id	sid	tid	token	lemma	pos
esutjss-178	1	1	volume	volume	NOUN
esutjss-178	1	2	8	8	NUM
esutjss-178	1	3	2023	2023	NUM
esutjss-178	1	4	volume	volume	NOUN
esutjss-178	1	5	8	8	NUM
esutjss-178	1	6	number	number	NOUN
esutjss-178	1	7	2	2	NUM
esutjss-178	1	8	,	,	PUNCT
esutjss-178	1	9	faculty	faculty	NOUN
esutjss-178	1	10	of	of	ADP
esutjss-178	1	11	social	social	ADJ
esutjss-178	1	12	sciences	science	NOUN
esutjss-178	1	13	,	,	PUNCT
esutjss-178	1	14	enugu	enugu	PROPN
esutjss-178	1	15	state	state	PROPN
esutjss-178	1	16	university	university	PROPN
esutjss-178	1	17	of	of	ADP
esutjss-178	1	18	science	science	NOUN
esutjss-178	1	19	and	and	CCONJ
esutjss-178	1	20	technology	technology	NOUN
esutjss-178	1	21	editor	editor	NOUN
esutjss-178	1	22	-	-	PUNCT
esutjss-178	1	23	in	in	ADP
esutjss-178	1	24	-	-	PUNCT
esutjss-178	1	25	chief	chief	NOUN
esutjss-178	1	26	prof	prof	NOUN
esutjss-178	1	27	.	.	PUNCT
esutjss-178	2	1	oby	oby	PROPN
esutjss-178	2	2	omeje	omeje	PROPN
esutjss-178	2	3	managing	managing	PROPN
esutjss-178	2	4	editor	editor	NOUN
esutjss-178	2	5	prof	prof	PROPN
esutjss-178	2	6	.	.	PUNCT
esutjss-178	3	1	barnabas	barnabas	PROPN
esutjss-178	3	2	nwankwo	nwankwo	PROPN
esutjss-178	3	3	published	publish	VERB
esutjss-178	3	4	by	by	ADP
esutjss-178	3	5	enugu	enugu	PROPN
esutjss-178	3	6	state	state	PROPN
esutjss-178	3	7	university	university	PROPN
esutjss-178	3	8	of	of	ADP
esutjss-178	3	9	science	science	PROPN
esutjss-178	3	10	&	&	CCONJ
esutjss-178	3	11	technology	technology	PROPN
esutjss-178	3	12	journal	journal	NOUN
esutjss-178	3	13	of	of	ADP
esutjss-178	3	14	social	social	PROPN
esutjss-178	3	15	sciences	sciences	PROPN
esutjss-178	3	16	&	&	CCONJ
esutjss-178	3	17	humanities	humanity	NOUN
esutjss-178	3	18	66	66	NUM
esutjss-178	3	19	impact	impact	NOUN
esutjss-178	3	20	of	of	ADP
esutjss-178	3	21	digital	digital	ADJ
esutjss-178	3	22	transformation	transformation	NOUN
esutjss-178	3	23	on	on	ADP
esutjss-178	3	24	the	the	DET
esutjss-178	3	25	skills	skill	NOUN
esutjss-178	3	26	and	and	CCONJ
esutjss-178	3	27	workforce	workforce	NOUN
esutjss-178	3	28	requirements	requirement	NOUN
esutjss-178	3	29	of	of	ADP
esutjss-178	3	30	the	the	DET
esutjss-178	3	31	nigerian	nigerian	ADJ
esutjss-178	3	32	insurance	insurance	NOUN
esutjss-178	3	33	industry	industry	NOUN
esutjss-178	3	34	:	:	PUNCT
esutjss-178	3	35	insight	insight	NOUN
esutjss-178	3	36	from	from	ADP
esutjss-178	3	37	the	the	DET
esutjss-178	3	38	nigerian	nigerian	ADJ
esutjss-178	3	39	insurance	insurance	NOUN
esutjss-178	3	40	industry	industry	NOUN
esutjss-178	3	41	ganiyu	ganiyu	NOUN
esutjss-178	3	42	,	,	PUNCT
esutjss-178	3	43	k.	k.	PROPN
esutjss-178	3	44	*	*	PUNCT
esutjss-178	3	45	aina	aina	PROPN
esutjss-178	3	46	,	,	PUNCT
esutjss-178	3	47	j.	j.	PROPN
esutjss-178	3	48	oloriegbe	oloriegbe	PROPN
esutjss-178	3	49	,	,	PUNCT
esutjss-178	3	50	k.	k.	PROPN
esutjss-178	3	51	s.	s.	PROPN
esutjss-178	3	52	department	department	PROPN
esutjss-178	3	53	of	of	ADP
esutjss-178	3	54	insurance	insurance	NOUN
esutjss-178	3	55	school	school	NOUN
esutjss-178	3	56	of	of	ADP
esutjss-178	3	57	business	business	NOUN
esutjss-178	3	58	and	and	CCONJ
esutjss-178	3	59	management	management	NOUN
esutjss-178	3	60	studies	study	NOUN
esutjss-178	3	61	federal	federal	ADJ
esutjss-178	3	62	polytechnic	polytechnic	ADJ
esutjss-178	3	63	offa	offa	NOUN
esutjss-178	3	64	+2348136188597	+2348136188597	CCONJ
esutjss-178	3	65	kamal.ganiyu@fedpoffaonline.edu.ng	kamal.ganiyu@fedpoffaonline.edu.ng	NOUN
esutjss-178	3	66	abstract	abstract	ADJ
esutjss-178	3	67	digital	digital	ADJ
esutjss-178	3	68	transformation	transformation	NOUN
esutjss-178	3	69	is	be	AUX
esutjss-178	3	70	profoundly	profoundly	ADV
esutjss-178	3	71	disrupting	disrupt	VERB
esutjss-178	3	72	the	the	DET
esutjss-178	3	73	global	global	ADJ
esutjss-178	3	74	insurance	insurance	NOUN
esutjss-178	3	75	sector	sector	NOUN
esutjss-178	3	76	,	,	PUNCT
esutjss-178	3	77	requiring	require	VERB
esutjss-178	3	78	insurers	insurer	NOUN
esutjss-178	3	79	to	to	PART
esutjss-178	3	80	digitally	digitally	ADV
esutjss-178	3	81	transform	transform	VERB
esutjss-178	3	82	their	their	PRON
esutjss-178	3	83	operations	operation	NOUN
esutjss-178	3	84	,	,	PUNCT
esutjss-178	3	85	systems	system	NOUN
esutjss-178	3	86	,	,	PUNCT
esutjss-178	3	87	and	and	CCONJ
esutjss-178	3	88	workforce	workforce	NOUN
esutjss-178	3	89	capabilities	capability	NOUN
esutjss-178	3	90	to	to	PART
esutjss-178	3	91	remain	remain	VERB
esutjss-178	3	92	competitive	competitive	ADJ
esutjss-178	3	93	.	.	PUNCT
esutjss-178	4	1	emerging	emerge	VERB
esutjss-178	4	2	technologies	technology	NOUN
esutjss-178	4	3	such	such	ADJ
esutjss-178	4	4	as	as	ADP
esutjss-178	4	5	artificial	artificial	ADJ
esutjss-178	4	6	intelligence	intelligence	NOUN
esutjss-178	4	7	,	,	PUNCT
esutjss-178	4	8	machine	machine	NOUN
esutjss-178	4	9	learning	learning	NOUN
esutjss-178	4	10	,	,	PUNCT
esutjss-178	4	11	big	big	ADJ
esutjss-178	4	12	data	datum	NOUN
esutjss-178	4	13	analytics	analytic	NOUN
esutjss-178	4	14	,	,	PUNCT
esutjss-178	4	15	cloud	cloud	NOUN
esutjss-178	4	16	computing	computing	NOUN
esutjss-178	4	17	,	,	PUNCT
esutjss-178	4	18	the	the	DET
esutjss-178	4	19	internet	internet	NOUN
esutjss-178	4	20	of	of	ADP
esutjss-178	4	21	things	thing	NOUN
esutjss-178	4	22	,	,	PUNCT
esutjss-178	4	23	and	and	CCONJ
esutjss-178	4	24	blockchain	blockchain	PROPN
esutjss-178	4	25	are	be	AUX
esutjss-178	4	26	enabling	enable	VERB
esutjss-178	4	27	new	new	ADJ
esutjss-178	4	28	datadriven	datadriven	ADJ
esutjss-178	4	29	processes	process	NOUN
esutjss-178	4	30	,	,	PUNCT
esutjss-178	4	31	innovative	innovative	ADJ
esutjss-178	4	32	products	product	NOUN
esutjss-178	4	33	and	and	CCONJ
esutjss-178	4	34	services	service	NOUN
esutjss-178	4	35	,	,	PUNCT
esutjss-178	4	36	and	and	CCONJ
esutjss-178	4	37	superior	superior	ADJ
esutjss-178	4	38	customer	customer	NOUN
esutjss-178	4	39	experiences	experience	NOUN
esutjss-178	4	40	.	.	PUNCT
esutjss-178	5	1	this	this	DET
esutjss-178	5	2	study	study	NOUN
esutjss-178	5	3	investigated	investigate	VERB
esutjss-178	5	4	the	the	DET
esutjss-178	5	5	impact	impact	NOUN
esutjss-178	5	6	of	of	ADP
esutjss-178	5	7	digital	digital	ADJ
esutjss-178	5	8	transformation	transformation	NOUN
esutjss-178	5	9	on	on	ADP
esutjss-178	5	10	the	the	DET
esutjss-178	5	11	skills	skill	NOUN
esutjss-178	5	12	and	and	CCONJ
esutjss-178	5	13	workforce	workforce	NOUN
esutjss-178	5	14	requirements	requirement	NOUN
esutjss-178	5	15	of	of	ADP
esutjss-178	5	16	the	the	DET
esutjss-178	5	17	nigerian	nigerian	ADJ
esutjss-178	5	18	insurance	insurance	NOUN
esutjss-178	5	19	industry	industry	NOUN
esutjss-178	5	20	.	.	PUNCT
esutjss-178	6	1	a	a	DET
esutjss-178	6	2	survey	survey	NOUN
esutjss-178	6	3	was	be	AUX
esutjss-178	6	4	conducted	conduct	VERB
esutjss-178	6	5	of	of	ADP
esutjss-178	6	6	250	250	NUM
esutjss-178	6	7	insurance	insurance	NOUN
esutjss-178	6	8	professionals	professional	NOUN
esutjss-178	6	9	in	in	ADP
esutjss-178	6	10	lagos	lagos	NOUN
esutjss-178	6	11	state	state	NOUN
esutjss-178	6	12	using	use	VERB
esutjss-178	6	13	simple	simple	ADJ
esutjss-178	6	14	random	random	ADJ
esutjss-178	6	15	sampling	sampling	NOUN
esutjss-178	6	16	.	.	PUNCT
esutjss-178	7	1	the	the	DET
esutjss-178	7	2	survey	survey	NOUN
esutjss-178	7	3	assessed	assess	VERB
esutjss-178	7	4	perceptions	perception	NOUN
esutjss-178	7	5	of	of	ADP
esutjss-178	7	6	the	the	DET
esutjss-178	7	7	importance	importance	NOUN
esutjss-178	7	8	of	of	ADP
esutjss-178	7	9	various	various	ADJ
esutjss-178	7	10	digital	digital	ADJ
esutjss-178	7	11	skills	skill	NOUN
esutjss-178	7	12	as	as	ADV
esutjss-178	7	13	well	well	ADV
esutjss-178	7	14	as	as	ADP
esutjss-178	7	15	the	the	DET
esutjss-178	7	16	industry	industry	NOUN
esutjss-178	7	17	's	's	PART
esutjss-178	7	18	current	current	ADJ
esutjss-178	7	19	readiness	readiness	NOUN
esutjss-178	7	20	in	in	ADP
esutjss-178	7	21	terms	term	NOUN
esutjss-178	7	22	of	of	ADP
esutjss-178	7	23	workforce	workforce	NOUN
esutjss-178	7	24	skills	skill	NOUN
esutjss-178	7	25	,	,	PUNCT
esutjss-178	7	26	training	training	NOUN
esutjss-178	7	27	investment	investment	NOUN
esutjss-178	7	28	,	,	PUNCT
esutjss-178	7	29	and	and	CCONJ
esutjss-178	7	30	talent	talent	NOUN
esutjss-178	7	31	attraction	attraction	NOUN
esutjss-178	7	32	/	/	SYM
esutjss-178	7	33	retention	retention	NOUN
esutjss-178	7	34	.	.	PUNCT
esutjss-178	8	1	chi	chi	ADJ
esutjss-178	8	2	-	-	PUNCT
esutjss-178	8	3	square	square	PROPN
esutjss-178	8	4	and	and	CCONJ
esutjss-178	8	5	t	t	NOUN
esutjss-178	8	6	-	-	PUNCT
esutjss-178	8	7	test	test	NOUN
esutjss-178	8	8	analyses	analysis	NOUN
esutjss-178	8	9	were	be	AUX
esutjss-178	8	10	used	use	VERB
esutjss-178	8	11	to	to	PART
esutjss-178	8	12	analyze	analyze	VERB
esutjss-178	8	13	the	the	DET
esutjss-178	8	14	data	datum	NOUN
esutjss-178	8	15	.	.	PUNCT
esutjss-178	9	1	the	the	DET
esutjss-178	9	2	results	result	NOUN
esutjss-178	9	3	revealed	reveal	VERB
esutjss-178	9	4	cybersecurity	cybersecurity	NOUN
esutjss-178	9	5	,	,	PUNCT
esutjss-178	9	6	customer	customer	NOUN
esutjss-178	9	7	relationship	relationship	NOUN
esutjss-178	9	8	management	management	NOUN
esutjss-178	9	9	,	,	PUNCT
esutjss-178	9	10	digital	digital	ADJ
esutjss-178	9	11	marketing	marketing	NOUN
esutjss-178	9	12	,	,	PUNCT
esutjss-178	9	13	agile	agile	ADJ
esutjss-178	9	14	development	development	NOUN
esutjss-178	9	15	,	,	PUNCT
esutjss-178	9	16	and	and	CCONJ
esutjss-178	9	17	user	user	NOUN
esutjss-178	9	18	experience	experience	NOUN
esutjss-178	9	19	design	design	NOUN
esutjss-178	9	20	as	as	ADP
esutjss-178	9	21	the	the	DET
esutjss-178	9	22	most	most	ADV
esutjss-178	9	23	critical	critical	ADJ
esutjss-178	9	24	skills	skill	NOUN
esutjss-178	9	25	for	for	ADP
esutjss-178	9	26	the	the	DET
esutjss-178	9	27	future	future	NOUN
esutjss-178	9	28	.	.	PUNCT
esutjss-178	10	1	however	however	ADV
esutjss-178	10	2	,	,	PUNCT
esutjss-178	10	3	survey	survey	NOUN
esutjss-178	10	4	responses	response	NOUN
esutjss-178	10	5	indicated	indicate	VERB
esutjss-178	10	6	doubts	doubt	NOUN
esutjss-178	10	7	about	about	ADP
esutjss-178	10	8	the	the	DET
esutjss-178	10	9	nigerian	nigerian	ADJ
esutjss-178	10	10	insurance	insurance	NOUN
esutjss-178	10	11	workforce	workforce	PROPN
esutjss-178	10	12	's	's	PART
esutjss-178	10	13	current	current	ADJ
esutjss-178	10	14	possession	possession	NOUN
esutjss-178	10	15	of	of	ADP
esutjss-178	10	16	requisite	requisite	ADJ
esutjss-178	10	17	digital	digital	ADJ
esutjss-178	10	18	skills	skill	NOUN
esutjss-178	10	19	and	and	CCONJ
esutjss-178	10	20	knowledge	knowledge	NOUN
esutjss-178	10	21	.	.	PUNCT
esutjss-178	11	1	there	there	PRON
esutjss-178	11	2	was	be	VERB
esutjss-178	11	3	also	also	ADV
esutjss-178	11	4	uncertainty	uncertainty	NOUN
esutjss-178	11	5	regarding	regard	VERB
esutjss-178	11	6	the	the	DET
esutjss-178	11	7	adequacy	adequacy	NOUN
esutjss-178	11	8	of	of	ADP
esutjss-178	11	9	training	training	NOUN
esutjss-178	11	10	investments	investment	NOUN
esutjss-178	11	11	and	and	CCONJ
esutjss-178	11	12	ability	ability	NOUN
esutjss-178	11	13	to	to	PART
esutjss-178	11	14	attract	attract	VERB
esutjss-178	11	15	/	/	SYM
esutjss-178	11	16	retain	retain	VERB
esutjss-178	11	17	required	required	ADJ
esutjss-178	11	18	talent	talent	NOUN
esutjss-178	11	19	.	.	PUNCT
esutjss-178	12	1	hypothesis	hypothesis	NOUN
esutjss-178	12	2	testing	testing	NOUN
esutjss-178	12	3	found	find	VERB
esutjss-178	12	4	a	a	DET
esutjss-178	12	5	significant	significant	ADJ
esutjss-178	12	6	gap	gap	NOUN
esutjss-178	12	7	between	between	ADP
esutjss-178	12	8	perceived	perceive	VERB
esutjss-178	12	9	readiness	readiness	NOUN
esutjss-178	12	10	of	of	ADP
esutjss-178	12	11	skills	skill	NOUN
esutjss-178	12	12	/	/	SYM
esutjss-178	12	13	knowledge	knowledge	NOUN
esutjss-178	12	14	versus	versus	ADP
esutjss-178	12	15	training	training	NOUN
esutjss-178	12	16	/	/	SYM
esutjss-178	12	17	talent	talent	NOUN
esutjss-178	12	18	factors	factor	NOUN
esutjss-178	12	19	.	.	PUNCT
esutjss-178	13	1	this	this	DET
esutjss-178	13	2	study	study	NOUN
esutjss-178	13	3	provides	provide	VERB
esutjss-178	13	4	empirical	empirical	ADJ
esutjss-178	13	5	evidence	evidence	NOUN
esutjss-178	13	6	that	that	SCONJ
esutjss-178	13	7	the	the	DET
esutjss-178	13	8	nigerian	nigerian	ADJ
esutjss-178	13	9	insurance	insurance	NOUN
esutjss-178	13	10	workforce	workforce	NOUN
esutjss-178	13	11	requires	require	VERB
esutjss-178	13	12	urgent	urgent	ADJ
esutjss-178	13	13	skills	skill	NOUN
esutjss-178	13	14	development	development	NOUN
esutjss-178	13	15	and	and	CCONJ
esutjss-178	13	16	training	training	NOUN
esutjss-178	13	17	investments	investment	NOUN
esutjss-178	13	18	to	to	PART
esutjss-178	13	19	realize	realize	VERB
esutjss-178	13	20	the	the	DET
esutjss-178	13	21	benefits	benefit	NOUN
esutjss-178	13	22	of	of	ADP
esutjss-178	13	23	digital	digital	ADJ
esutjss-178	13	24	transformation	transformation	NOUN
esutjss-178	13	25	and	and	CCONJ
esutjss-178	13	26	close	close	ADJ
esutjss-178	13	27	skills	skill	NOUN
esutjss-178	13	28	gaps	gap	NOUN
esutjss-178	13	29	.	.	PUNCT
esutjss-178	14	1	addressing	address	VERB
esutjss-178	14	2	this	this	DET
esutjss-178	14	3	digital	digital	ADJ
esutjss-178	14	4	skills	skill	NOUN
esutjss-178	14	5	imperative	imperative	NOUN
esutjss-178	14	6	remains	remain	VERB
esutjss-178	14	7	a	a	DET
esutjss-178	14	8	strategic	strategic	ADJ
esutjss-178	14	9	priority	priority	NOUN
esutjss-178	14	10	.	.	PUNCT
esutjss-178	15	1	keywords	keyword	NOUN
esutjss-178	15	2	:	:	PUNCT
esutjss-178	15	3	digital	digital	ADJ
esutjss-178	15	4	transformation	transformation	NOUN
esutjss-178	15	5	,	,	PUNCT
esutjss-178	15	6	insurance	insurance	NOUN
esutjss-178	15	7	,	,	PUNCT
esutjss-178	15	8	skills	skill	NOUN
esutjss-178	15	9	,	,	PUNCT
esutjss-178	15	10	workforce	workforce	NOUN
esutjss-178	15	11	,	,	PUNCT
esutjss-178	15	12	lagos	lagos	NOUN
esutjss-178	15	13	state	state	NOUN
esutjss-178	15	14	.	.	PUNCT
esutjss-178	16	1	mailto:kamal.ganiyu@fedpoffaonline.edu.ng	mailto:kamal.ganiyu@fedpoffaonline.edu.ng	ADV
esutjss-178	16	2	67	67	NUM
esutjss-178	16	3	introduction	introduction	NOUN
esutjss-178	16	4	the	the	DET
esutjss-178	16	5	digital	digital	ADJ
esutjss-178	16	6	revolution	revolution	NOUN
esutjss-178	16	7	is	be	AUX
esutjss-178	16	8	profoundly	profoundly	ADV
esutjss-178	16	9	transforming	transform	VERB
esutjss-178	16	10	the	the	DET
esutjss-178	16	11	global	global	ADJ
esutjss-178	16	12	insurance	insurance	NOUN
esutjss-178	16	13	industry	industry	NOUN
esutjss-178	16	14	,	,	PUNCT
esutjss-178	16	15	posing	pose	VERB
esutjss-178	16	16	an	an	DET
esutjss-178	16	17	unprecedented	unprecedented	ADJ
esutjss-178	16	18	disruption	disruption	NOUN
esutjss-178	16	19	to	to	ADP
esutjss-178	16	20	traditional	traditional	ADJ
esutjss-178	16	21	business	business	NOUN
esutjss-178	16	22	models	model	NOUN
esutjss-178	16	23	.	.	PUNCT
esutjss-178	17	1	digital	digital	ADJ
esutjss-178	17	2	technologies	technology	NOUN
esutjss-178	17	3	like	like	ADP
esutjss-178	17	4	artificial	artificial	ADJ
esutjss-178	17	5	intelligence	intelligence	NOUN
esutjss-178	17	6	(	(	PUNCT
esutjss-178	17	7	ai	ai	NOUN
esutjss-178	17	8	)	)	PUNCT
esutjss-178	17	9	,	,	PUNCT
esutjss-178	17	10	machine	machine	NOUN
esutjss-178	17	11	learning	learning	NOUN
esutjss-178	17	12	,	,	PUNCT
esutjss-178	17	13	big	big	ADJ
esutjss-178	17	14	data	datum	NOUN
esutjss-178	17	15	analytics	analytic	NOUN
esutjss-178	17	16	,	,	PUNCT
esutjss-178	17	17	internet	internet	NOUN
esutjss-178	17	18	of	of	ADP
esutjss-178	17	19	things	thing	NOUN
esutjss-178	17	20	(	(	PUNCT
esutjss-178	17	21	iot	iot	NOUN
esutjss-178	17	22	)	)	PUNCT
esutjss-178	17	23	,	,	PUNCT
esutjss-178	17	24	blockchain	blockchain	NOUN
esutjss-178	17	25	,	,	PUNCT
esutjss-178	17	26	and	and	CCONJ
esutjss-178	17	27	cloud	cloud	NOUN
esutjss-178	17	28	computing	computing	NOUN
esutjss-178	17	29	are	be	AUX
esutjss-178	17	30	enabling	enable	VERB
esutjss-178	17	31	new	new	ADJ
esutjss-178	17	32	data	data	NOUN
esutjss-178	17	33	-	-	PUNCT
esutjss-178	17	34	driven	drive	VERB
esutjss-178	17	35	processes	process	NOUN
esutjss-178	17	36	,	,	PUNCT
esutjss-178	17	37	innovative	innovative	ADJ
esutjss-178	17	38	products	product	NOUN
esutjss-178	17	39	and	and	CCONJ
esutjss-178	17	40	services	service	NOUN
esutjss-178	17	41	,	,	PUNCT
esutjss-178	17	42	and	and	CCONJ
esutjss-178	17	43	superior	superior	ADJ
esutjss-178	17	44	customer	customer	NOUN
esutjss-178	17	45	experiences	experience	NOUN
esutjss-178	17	46	(	(	PUNCT
esutjss-178	17	47	eling	eling	PROPN
esutjss-178	17	48	&	&	CCONJ
esutjss-178	17	49	lehmann	lehmann	PROPN
esutjss-178	17	50	,	,	PUNCT
esutjss-178	17	51	2018	2018	NUM
esutjss-178	17	52	)	)	PUNCT
esutjss-178	17	53	.	.	PUNCT
esutjss-178	18	1	incumbent	incumbent	ADJ
esutjss-178	18	2	insurers	insurer	NOUN
esutjss-178	18	3	must	must	AUX
esutjss-178	18	4	digitally	digitally	ADV
esutjss-178	18	5	transform	transform	VERB
esutjss-178	18	6	their	their	PRON
esutjss-178	18	7	operations	operation	NOUN
esutjss-178	18	8	,	,	PUNCT
esutjss-178	18	9	systems	system	NOUN
esutjss-178	18	10	and	and	CCONJ
esutjss-178	18	11	workforce	workforce	NOUN
esutjss-178	18	12	capabilities	capability	NOUN
esutjss-178	18	13	to	to	PART
esutjss-178	18	14	remain	remain	VERB
esutjss-178	18	15	competitive	competitive	ADJ
esutjss-178	18	16	in	in	ADP
esutjss-178	18	17	this	this	DET
esutjss-178	18	18	rapidly	rapidly	ADV
esutjss-178	18	19	evolving	evolve	VERB
esutjss-178	18	20	landscape	landscape	NOUN
esutjss-178	18	21	.	.	PUNCT
esutjss-178	19	1	however	however	ADV
esutjss-178	19	2	,	,	PUNCT
esutjss-178	19	3	the	the	DET
esutjss-178	19	4	scale	scale	NOUN
esutjss-178	19	5	of	of	ADP
esutjss-178	19	6	this	this	DET
esutjss-178	19	7	digital	digital	ADJ
esutjss-178	19	8	disruption	disruption	NOUN
esutjss-178	19	9	also	also	ADV
esutjss-178	19	10	presents	present	VERB
esutjss-178	19	11	significant	significant	ADJ
esutjss-178	19	12	challenges	challenge	NOUN
esutjss-178	19	13	.	.	PUNCT
esutjss-178	20	1	research	research	NOUN
esutjss-178	20	2	shows	show	VERB
esutjss-178	20	3	that	that	SCONJ
esutjss-178	20	4	legacy	legacy	NOUN
esutjss-178	20	5	processes	process	NOUN
esutjss-178	20	6	,	,	PUNCT
esutjss-178	20	7	cultural	cultural	ADJ
esutjss-178	20	8	resistance	resistance	NOUN
esutjss-178	20	9	and	and	CCONJ
esutjss-178	20	10	lack	lack	NOUN
esutjss-178	20	11	of	of	ADP
esutjss-178	20	12	digital	digital	ADJ
esutjss-178	20	13	skills	skill	NOUN
esutjss-178	20	14	can	can	AUX
esutjss-178	20	15	hinder	hinder	VERB
esutjss-178	20	16	transformation	transformation	NOUN
esutjss-178	20	17	efforts	effort	NOUN
esutjss-178	20	18	(	(	PUNCT
esutjss-178	20	19	hoffmann	hoffmann	PROPN
esutjss-178	20	20	et	et	PROPN
esutjss-178	20	21	al	al	PROPN
esutjss-178	20	22	.	.	PROPN
esutjss-178	20	23	,	,	PUNCT
esutjss-178	20	24	2020	2020	NUM
esutjss-178	20	25	)	)	PUNCT
esutjss-178	20	26	.	.	PUNCT
esutjss-178	21	1	to	to	PART
esutjss-178	21	2	successfully	successfully	ADV
esutjss-178	21	3	leverage	leverage	VERB
esutjss-178	21	4	digital	digital	ADJ
esutjss-178	21	5	innovation	innovation	NOUN
esutjss-178	21	6	for	for	ADP
esutjss-178	21	7	growth	growth	NOUN
esutjss-178	21	8	and	and	CCONJ
esutjss-178	21	9	competitiveness	competitiveness	NOUN
esutjss-178	21	10	,	,	PUNCT
esutjss-178	21	11	insurers	insurer	NOUN
esutjss-178	21	12	need	need	VERB
esutjss-178	21	13	to	to	PART
esutjss-178	21	14	focus	focus	VERB
esutjss-178	21	15	on	on	ADP
esutjss-178	21	16	upgrading	upgrade	VERB
esutjss-178	21	17	workforce	workforce	NOUN
esutjss-178	21	18	skills	skill	NOUN
esutjss-178	21	19	and	and	CCONJ
esutjss-178	21	20	mindsets	mindset	NOUN
esutjss-178	21	21	for	for	ADP
esutjss-178	21	22	the	the	DET
esutjss-178	21	23	digital	digital	ADJ
esutjss-178	21	24	age	age	NOUN
esutjss-178	21	25	.	.	PUNCT
esutjss-178	22	1	as	as	ADP
esutjss-178	22	2	in	in	ADP
esutjss-178	22	3	other	other	ADJ
esutjss-178	22	4	markets	market	NOUN
esutjss-178	22	5	,	,	PUNCT
esutjss-178	22	6	digital	digital	ADJ
esutjss-178	22	7	disruption	disruption	NOUN
esutjss-178	22	8	is	be	AUX
esutjss-178	22	9	reshaping	reshape	VERB
esutjss-178	22	10	the	the	DET
esutjss-178	22	11	future	future	NOUN
esutjss-178	22	12	for	for	ADP
esutjss-178	22	13	nigerian	nigerian	ADJ
esutjss-178	22	14	insurance	insurance	NOUN
esutjss-178	22	15	companies	company	NOUN
esutjss-178	22	16	.	.	PUNCT
esutjss-178	23	1	studies	study	NOUN
esutjss-178	23	2	highlight	highlight	VERB
esutjss-178	23	3	that	that	SCONJ
esutjss-178	23	4	african	african	ADJ
esutjss-178	23	5	insurance	insurance	NOUN
esutjss-178	23	6	lags	lag	VERB
esutjss-178	23	7	in	in	ADP
esutjss-178	23	8	advanced	advanced	ADJ
esutjss-178	23	9	technology	technology	NOUN
esutjss-178	23	10	adoption	adoption	NOUN
esutjss-178	23	11	compared	compare	VERB
esutjss-178	23	12	to	to	ADP
esutjss-178	23	13	other	other	ADJ
esutjss-178	23	14	regions	region	NOUN
esutjss-178	23	15	,	,	PUNCT
esutjss-178	23	16	and	and	CCONJ
esutjss-178	23	17	faces	face	VERB
esutjss-178	23	18	gaps	gap	NOUN
esutjss-178	23	19	in	in	ADP
esutjss-178	23	20	skills	skill	NOUN
esutjss-178	23	21	for	for	ADP
esutjss-178	23	22	data	datum	NOUN
esutjss-178	23	23	analytics	analytic	NOUN
esutjss-178	23	24	,	,	PUNCT
esutjss-178	23	25	ai	ai	VERB
esutjss-178	23	26	,	,	PUNCT
esutjss-178	23	27	and	and	CCONJ
esutjss-178	23	28	digital	digital	ADJ
esutjss-178	23	29	channels	channel	NOUN
esutjss-178	23	30	(	(	PUNCT
esutjss-178	23	31	deloitte	deloitte	PROPN
esutjss-178	23	32	2019	2019	NUM
esutjss-178	23	33	)	)	PUNCT
esutjss-178	23	34	.	.	PUNCT
esutjss-178	24	1	these	these	DET
esutjss-178	24	2	limitations	limitation	NOUN
esutjss-178	24	3	pose	pose	VERB
esutjss-178	24	4	risks	risk	NOUN
esutjss-178	24	5	,	,	PUNCT
esutjss-178	24	6	but	but	CCONJ
esutjss-178	24	7	also	also	ADV
esutjss-178	24	8	opportunities	opportunity	NOUN
esutjss-178	24	9	if	if	SCONJ
esutjss-178	24	10	addressed	address	VERB
esutjss-178	24	11	proactively	proactively	ADV
esutjss-178	24	12	.	.	PUNCT
esutjss-178	25	1	as	as	ADP
esutjss-178	25	2	nigeria	nigeria	PROPN
esutjss-178	25	3	's	's	PART
esutjss-178	25	4	largest	large	ADJ
esutjss-178	25	5	insurance	insurance	NOUN
esutjss-178	25	6	market	market	NOUN
esutjss-178	25	7	,	,	PUNCT
esutjss-178	25	8	building	build	VERB
esutjss-178	25	9	local	local	ADJ
esutjss-178	25	10	workforce	workforce	NOUN
esutjss-178	25	11	capability	capability	NOUN
esutjss-178	25	12	is	be	AUX
esutjss-178	25	13	critical	critical	ADJ
esutjss-178	25	14	to	to	PART
esutjss-178	25	15	capitalize	capitalize	VERB
esutjss-178	25	16	on	on	ADP
esutjss-178	25	17	the	the	DET
esutjss-178	25	18	promise	promise	NOUN
esutjss-178	25	19	of	of	ADP
esutjss-178	25	20	digital	digital	ADJ
esutjss-178	25	21	innovation	innovation	NOUN
esutjss-178	25	22	.	.	PUNCT
esutjss-178	26	1	developing	develop	VERB
esutjss-178	26	2	digital	digital	ADJ
esutjss-178	26	3	expertise	expertise	NOUN
esutjss-178	26	4	and	and	CCONJ
esutjss-178	26	5	readiness	readiness	NOUN
esutjss-178	26	6	will	will	AUX
esutjss-178	26	7	allow	allow	VERB
esutjss-178	26	8	nigerian	nigerian	ADJ
esutjss-178	26	9	insurers	insurer	NOUN
esutjss-178	26	10	to	to	PART
esutjss-178	26	11	enhance	enhance	VERB
esutjss-178	26	12	customer	customer	NOUN
esutjss-178	26	13	value	value	NOUN
esutjss-178	26	14	,	,	PUNCT
esutjss-178	26	15	operational	operational	ADJ
esutjss-178	26	16	efficiency	efficiency	NOUN
esutjss-178	26	17	,	,	PUNCT
esutjss-178	26	18	data	data	NOUN
esutjss-178	26	19	-	-	PUNCT
esutjss-178	26	20	driven	drive	VERB
esutjss-178	26	21	decision	decision	NOUN
esutjss-178	26	22	making	making	NOUN
esutjss-178	26	23	and	and	CCONJ
esutjss-178	26	24	ultimately	ultimately	ADV
esutjss-178	26	25	,	,	PUNCT
esutjss-178	26	26	market	market	NOUN
esutjss-178	26	27	expansion	expansion	NOUN
esutjss-178	26	28	.	.	PUNCT
esutjss-178	27	1	this	this	PRON
esutjss-178	27	2	makes	make	VERB
esutjss-178	27	3	understanding	understand	VERB
esutjss-178	27	4	digital	digital	ADJ
esutjss-178	27	5	skills	skill	NOUN
esutjss-178	27	6	implications	implication	NOUN
esutjss-178	27	7	for	for	ADP
esutjss-178	27	8	the	the	DET
esutjss-178	27	9	workforce	workforce	NOUN
esutjss-178	27	10	an	an	DET
esutjss-178	27	11	important	important	ADJ
esutjss-178	27	12	priority	priority	NOUN
esutjss-178	27	13	.	.	PUNCT
esutjss-178	28	1	while	while	SCONJ
esutjss-178	28	2	prior	prior	ADJ
esutjss-178	28	3	research	research	NOUN
esutjss-178	28	4	has	have	AUX
esutjss-178	28	5	explored	explore	VERB
esutjss-178	28	6	the	the	DET
esutjss-178	28	7	challenges	challenge	NOUN
esutjss-178	28	8	and	and	CCONJ
esutjss-178	28	9	opportunities	opportunity	NOUN
esutjss-178	28	10	of	of	ADP
esutjss-178	28	11	digital	digital	ADJ
esutjss-178	28	12	disruption	disruption	NOUN
esutjss-178	28	13	in	in	ADP
esutjss-178	28	14	the	the	DET
esutjss-178	28	15	global	global	ADJ
esutjss-178	28	16	insurance	insurance	NOUN
esutjss-178	28	17	sector	sector	NOUN
esutjss-178	28	18	(	(	PUNCT
esutjss-178	28	19	eling	eling	PROPN
esutjss-178	28	20	&	&	CCONJ
esutjss-178	28	21	lehmann	lehmann	PROPN
esutjss-178	28	22	,	,	PUNCT
esutjss-178	28	23	2018	2018	NUM
esutjss-178	28	24	;	;	PUNCT
esutjss-178	28	25	hoffmann	hoffmann	PROPN
esutjss-178	28	26	et	et	PROPN
esutjss-178	28	27	al	al	PROPN
esutjss-178	28	28	.	.	PROPN
esutjss-178	28	29	,	,	PUNCT
esutjss-178	28	30	2020	2020	NUM
esutjss-178	28	31	)	)	PUNCT
esutjss-178	28	32	,	,	PUNCT
esutjss-178	28	33	few	few	ADJ
esutjss-178	28	34	studies	study	NOUN
esutjss-178	28	35	specifically	specifically	ADV
esutjss-178	28	36	examine	examine	VERB
esutjss-178	28	37	its	its	PRON
esutjss-178	28	38	workforce	workforce	NOUN
esutjss-178	28	39	implications	implication	NOUN
esutjss-178	28	40	within	within	ADP
esutjss-178	28	41	leading	lead	VERB
esutjss-178	28	42	african	african	ADJ
esutjss-178	28	43	markets	market	NOUN
esutjss-178	28	44	like	like	ADP
esutjss-178	28	45	nigeria	nigeria	PROPN
esutjss-178	28	46	.	.	PUNCT
esutjss-178	29	1	general	general	ADJ
esutjss-178	29	2	industry	industry	NOUN
esutjss-178	29	3	reports	report	NOUN
esutjss-178	29	4	highlight	highlight	VERB
esutjss-178	29	5	skills	skill	NOUN
esutjss-178	29	6	gaps	gap	NOUN
esutjss-178	29	7	and	and	CCONJ
esutjss-178	29	8	talent	talent	NOUN
esutjss-178	29	9	issues	issue	NOUN
esutjss-178	29	10	hindering	hinder	VERB
esutjss-178	29	11	digital	digital	ADJ
esutjss-178	29	12	advancement	advancement	NOUN
esutjss-178	29	13	of	of	ADP
esutjss-178	29	14	the	the	DET
esutjss-178	29	15	continent	continent	NOUN
esutjss-178	29	16	's	's	PART
esutjss-178	29	17	insurers	insurer	NOUN
esutjss-178	29	18	(	(	PUNCT
esutjss-178	29	19	deloitte	deloitte	PROPN
esutjss-178	29	20	,	,	PUNCT
esutjss-178	29	21	2019	2019	NUM
esutjss-178	29	22	;	;	PUNCT
esutjss-178	29	23	oseni	oseni	PROPN
esutjss-178	29	24	et	et	PROPN
esutjss-178	29	25	al	al	PROPN
esutjss-178	29	26	.	.	PROPN
esutjss-178	29	27	,	,	PUNCT
esutjss-178	29	28	2020	2020	NUM
esutjss-178	29	29	)	)	PUNCT
esutjss-178	29	30	.	.	PUNCT
esutjss-178	30	1	however	however	ADV
esutjss-178	30	2	,	,	PUNCT
esutjss-178	30	3	there	there	PRON
esutjss-178	30	4	remains	remain	VERB
esutjss-178	30	5	a	a	DET
esutjss-178	30	6	lack	lack	NOUN
esutjss-178	30	7	of	of	ADP
esutjss-178	30	8	empirical	empirical	ADJ
esutjss-178	30	9	investigation	investigation	NOUN
esutjss-178	30	10	into	into	ADP
esutjss-178	30	11	the	the	DET
esutjss-178	30	12	most	most	ADV
esutjss-178	30	13	critical	critical	ADJ
esutjss-178	30	14	skills	skill	NOUN
esutjss-178	30	15	and	and	CCONJ
esutjss-178	30	16	knowledge	knowledge	NOUN
esutjss-178	30	17	needed	need	VERB
esutjss-178	30	18	for	for	SCONJ
esutjss-178	30	19	nigerian	nigerian	ADJ
esutjss-178	30	20	insurance	insurance	NOUN
esutjss-178	30	21	to	to	PART
esutjss-178	30	22	digitally	digitally	ADV
esutjss-178	30	23	transform	transform	VERB
esutjss-178	30	24	,	,	PUNCT
esutjss-178	30	25	as	as	ADV
esutjss-178	30	26	well	well	ADV
esutjss-178	30	27	as	as	ADP
esutjss-178	30	28	assessment	assessment	NOUN
esutjss-178	30	29	of	of	ADP
esutjss-178	30	30	the	the	DET
esutjss-178	30	31	sector	sector	NOUN
esutjss-178	30	32	's	's	PART
esutjss-178	30	33	current	current	ADJ
esutjss-178	30	34	workforce	workforce	NOUN
esutjss-178	30	35	readiness	readiness	NOUN
esutjss-178	30	36	to	to	PART
esutjss-178	30	37	meet	meet	VERB
esutjss-178	30	38	these	these	DET
esutjss-178	30	39	talent	talent	NOUN
esutjss-178	30	40	requirements	requirement	NOUN
esutjss-178	30	41	.	.	PUNCT
esutjss-178	31	1	this	this	PRON
esutjss-178	31	2	presents	present	VERB
esutjss-178	31	3	a	a	DET
esutjss-178	31	4	problematic	problematic	ADJ
esutjss-178	31	5	knowledge	knowledge	NOUN
esutjss-178	31	6	gap	gap	NOUN
esutjss-178	31	7	,	,	PUNCT
esutjss-178	31	8	as	as	SCONJ
esutjss-178	31	9	digital	digital	ADJ
esutjss-178	31	10	innovation	innovation	NOUN
esutjss-178	31	11	is	be	AUX
esutjss-178	31	12	essential	essential	ADJ
esutjss-178	31	13	for	for	SCONJ
esutjss-178	31	14	nigerian	nigerian	ADJ
esutjss-178	31	15	insurers	insurer	NOUN
esutjss-178	31	16	to	to	PART
esutjss-178	31	17	enhance	enhance	VERB
esutjss-178	31	18	competitiveness	competitiveness	NOUN
esutjss-178	31	19	and	and	CCONJ
esutjss-178	31	20	harness	harness	NOUN
esutjss-178	31	21	the	the	DET
esutjss-178	31	22	underserved	underserved	ADJ
esutjss-178	31	23	growth	growth	NOUN
esutjss-178	31	24	potential	potential	NOUN
esutjss-178	31	25	of	of	ADP
esutjss-178	31	26	their	their	PRON
esutjss-178	31	27	expanding	expand	VERB
esutjss-178	31	28	market	market	NOUN
esutjss-178	31	29	(	(	PUNCT
esutjss-178	31	30	obasi	obasi	NOUN
esutjss-178	31	31	,	,	PUNCT
esutjss-178	31	32	2021	2021	NUM
esutjss-178	31	33	)	)	PUNCT
esutjss-178	31	34	.	.	PUNCT
esutjss-178	32	1	yet	yet	ADV
esutjss-178	32	2	without	without	ADP
esutjss-178	32	3	research	research	NOUN
esutjss-178	32	4	insights	insight	NOUN
esutjss-178	32	5	into	into	ADP
esutjss-178	32	6	the	the	DET
esutjss-178	32	7	digital	digital	ADJ
esutjss-178	32	8	capabilities	capability	NOUN
esutjss-178	32	9	most	most	ADV
esutjss-178	32	10	important	important	ADJ
esutjss-178	32	11	for	for	ADP
esutjss-178	32	12	this	this	DET
esutjss-178	32	13	context	context	NOUN
esutjss-178	32	14	and	and	CCONJ
esutjss-178	32	15	targeted	target	VERB
esutjss-178	32	16	workforce	workforce	NOUN
esutjss-178	32	17	planning	planning	NOUN
esutjss-178	32	18	,	,	PUNCT
esutjss-178	32	19	companies	company	NOUN
esutjss-178	32	20	may	may	AUX
esutjss-178	32	21	struggle	struggle	VERB
esutjss-178	32	22	to	to	PART
esutjss-178	32	23	build	build	VERB
esutjss-178	32	24	the	the	DET
esutjss-178	32	25	human	human	ADJ
esutjss-178	32	26	capital	capital	NOUN
esutjss-178	32	27	necessary	necessary	ADJ
esutjss-178	32	28	to	to	PART
esutjss-178	32	29	capitalize	capitalize	VERB
esutjss-178	32	30	on	on	ADP
esutjss-178	32	31	digital	digital	ADJ
esutjss-178	32	32	opportunities	opportunity	NOUN
esutjss-178	32	33	.	.	PUNCT
esutjss-178	33	1	as	as	SCONJ
esutjss-178	33	2	nigeria	nigeria	PROPN
esutjss-178	33	3	's	's	PART
esutjss-178	33	4	insurance	insurance	NOUN
esutjss-178	33	5	sector	sector	NOUN
esutjss-178	33	6	rapidly	rapidly	ADV
esutjss-178	33	7	evolves	evolve	VERB
esutjss-178	33	8	,	,	PUNCT
esutjss-178	33	9	an	an	DET
esutjss-178	33	10	evidence	evidence	NOUN
esutjss-178	33	11	-	-	PUNCT
esutjss-178	33	12	based	base	VERB
esutjss-178	33	13	understanding	understanding	NOUN
esutjss-178	33	14	of	of	ADP
esutjss-178	33	15	digital	digital	ADJ
esutjss-178	33	16	skills	skill	NOUN
esutjss-178	33	17	implications	implication	NOUN
esutjss-178	33	18	for	for	ADP
esutjss-178	33	19	the	the	DET
esutjss-178	33	20	workforce	workforce	NOUN
esutjss-178	33	21	is	be	AUX
esutjss-178	33	22	vital	vital	ADJ
esutjss-178	33	23	but	but	CCONJ
esutjss-178	33	24	currently	currently	ADV
esutjss-178	33	25	lacking	lack	VERB
esutjss-178	33	26	.	.	PUNCT
esutjss-178	34	1	this	this	DET
esutjss-178	34	2	study	study	NOUN
esutjss-178	34	3	aims	aim	VERB
esutjss-178	34	4	to	to	PART
esutjss-178	34	5	address	address	VERB
esutjss-178	34	6	this	this	DET
esutjss-178	34	7	research	research	NOUN
esutjss-178	34	8	gap	gap	NOUN
esutjss-178	34	9	by	by	ADP
esutjss-178	34	10	identifying	identify	VERB
esutjss-178	34	11	the	the	DET
esutjss-178	34	12	key	key	ADJ
esutjss-178	34	13	skills	skill	NOUN
esutjss-178	34	14	and	and	CCONJ
esutjss-178	34	15	knowledge	knowledge	NOUN
esutjss-178	34	16	that	that	SCONJ
esutjss-178	34	17	industry	industry	NOUN
esutjss-178	34	18	experts	expert	NOUN
esutjss-178	34	19	view	view	VERB
esutjss-178	34	20	as	as	ADP
esutjss-178	34	21	most	most	ADV
esutjss-178	34	22	critical	critical	ADJ
esutjss-178	34	23	for	for	SCONJ
esutjss-178	34	24	the	the	DET
esutjss-178	34	25	nigerian	nigerian	ADJ
esutjss-178	34	26	insurance	insurance	NOUN
esutjss-178	34	27	workforce	workforce	NOUN
esutjss-178	34	28	to	to	PART
esutjss-178	34	29	thrive	thrive	VERB
esutjss-178	34	30	in	in	ADP
esutjss-178	34	31	the	the	DET
esutjss-178	34	32	digital	digital	ADJ
esutjss-178	34	33	era	era	NOUN
esutjss-178	34	34	.	.	PUNCT
esutjss-178	35	1	it	it	PRON
esutjss-178	35	2	also	also	ADV
esutjss-178	35	3	benchmark	benchmark	VERB
esutjss-178	35	4	current	current	ADJ
esutjss-178	35	5	perceptions	perception	NOUN
esutjss-178	35	6	of	of	ADP
esutjss-178	35	7	the	the	DET
esutjss-178	35	8	sector	sector	NOUN
esutjss-178	35	9	's	's	PART
esutjss-178	35	10	readiness	readiness	NOUN
esutjss-178	35	11	to	to	PART
esutjss-178	35	12	develop	develop	VERB
esutjss-178	35	13	these	these	DET
esutjss-178	35	14	capabilities	capability	NOUN
esutjss-178	35	15	based	base	VERB
esutjss-178	35	16	on	on	ADP
esutjss-178	35	17	skills	skill	NOUN
esutjss-178	35	18	,	,	PUNCT
esutjss-178	35	19	training	training	NOUN
esutjss-178	35	20	,	,	PUNCT
esutjss-178	35	21	and	and	CCONJ
esutjss-178	35	22	talent	talent	NOUN
esutjss-178	35	23	factors	factor	NOUN
esutjss-178	35	24	.	.	PUNCT
esutjss-178	36	1	68	68	NUM
esutjss-178	36	2	objectives	objective	NOUN
esutjss-178	36	3	of	of	ADP
esutjss-178	36	4	the	the	DET
esutjss-178	36	5	study	study	NOUN
esutjss-178	36	6	i.	i.	NOUN
esutjss-178	36	7	to	to	PART
esutjss-178	36	8	identify	identify	VERB
esutjss-178	36	9	the	the	DET
esutjss-178	36	10	specific	specific	ADJ
esutjss-178	36	11	skills	skill	NOUN
esutjss-178	36	12	and	and	CCONJ
esutjss-178	36	13	knowledge	knowledge	NOUN
esutjss-178	36	14	that	that	PRON
esutjss-178	36	15	will	will	AUX
esutjss-178	36	16	be	be	AUX
esutjss-178	36	17	most	most	ADV
esutjss-178	36	18	important	important	ADJ
esutjss-178	36	19	for	for	ADP
esutjss-178	36	20	the	the	DET
esutjss-178	36	21	nigerian	nigerian	ADJ
esutjss-178	36	22	insurance	insurance	NOUN
esutjss-178	36	23	industry	industry	NOUN
esutjss-178	36	24	workforce	workforce	NOUN
esutjss-178	36	25	in	in	ADP
esutjss-178	36	26	the	the	DET
esutjss-178	36	27	digital	digital	ADJ
esutjss-178	36	28	age	age	NOUN
esutjss-178	36	29	.	.	PUNCT
esutjss-178	37	1	ii	ii	PROPN
esutjss-178	37	2	.	.	PUNCT
esutjss-178	37	3	to	to	PART
esutjss-178	37	4	assess	assess	VERB
esutjss-178	37	5	the	the	DET
esutjss-178	37	6	readiness	readiness	NOUN
esutjss-178	37	7	of	of	ADP
esutjss-178	37	8	the	the	DET
esutjss-178	37	9	nigerian	nigerian	ADJ
esutjss-178	37	10	insurance	insurance	NOUN
esutjss-178	37	11	industry	industry	NOUN
esutjss-178	37	12	workforce	workforce	NOUN
esutjss-178	37	13	to	to	PART
esutjss-178	37	14	meet	meet	VERB
esutjss-178	37	15	the	the	DET
esutjss-178	37	16	skills	skill	NOUN
esutjss-178	37	17	and	and	CCONJ
esutjss-178	37	18	knowledge	knowledge	NOUN
esutjss-178	37	19	requirements	requirement	NOUN
esutjss-178	37	20	of	of	ADP
esutjss-178	37	21	the	the	DET
esutjss-178	37	22	digital	digital	ADJ
esutjss-178	37	23	age	age	NOUN
esutjss-178	37	24	.	.	PUNCT
esutjss-178	38	1	literature	literature	PROPN
esutjss-178	38	2	review	review	VERB
esutjss-178	38	3	digital	digital	ADJ
esutjss-178	38	4	transformation	transformation	NOUN
esutjss-178	38	5	digital	digital	ADJ
esutjss-178	38	6	transformation	transformation	NOUN
esutjss-178	38	7	has	have	AUX
esutjss-178	38	8	emerged	emerge	VERB
esutjss-178	38	9	as	as	ADP
esutjss-178	38	10	a	a	DET
esutjss-178	38	11	pressing	press	VERB
esutjss-178	38	12	strategic	strategic	ADJ
esutjss-178	38	13	priority	priority	NOUN
esutjss-178	38	14	for	for	ADP
esutjss-178	38	15	organizations	organization	NOUN
esutjss-178	38	16	across	across	ADP
esutjss-178	38	17	all	all	DET
esutjss-178	38	18	sectors	sector	NOUN
esutjss-178	38	19	and	and	CCONJ
esutjss-178	38	20	industries	industry	NOUN
esutjss-178	38	21	.	.	PUNCT
esutjss-178	39	1	at	at	ADP
esutjss-178	39	2	its	its	PRON
esutjss-178	39	3	core	core	NOUN
esutjss-178	39	4	,	,	PUNCT
esutjss-178	39	5	digital	digital	ADJ
esutjss-178	39	6	transformation	transformation	NOUN
esutjss-178	39	7	refers	refer	VERB
esutjss-178	39	8	to	to	ADP
esutjss-178	39	9	the	the	DET
esutjss-178	39	10	process	process	NOUN
esutjss-178	39	11	of	of	ADP
esutjss-178	39	12	using	use	VERB
esutjss-178	39	13	modern	modern	ADJ
esutjss-178	39	14	digital	digital	ADJ
esutjss-178	39	15	technologies	technology	NOUN
esutjss-178	39	16	to	to	PART
esutjss-178	39	17	radically	radically	ADV
esutjss-178	39	18	improve	improve	VERB
esutjss-178	39	19	operational	operational	ADJ
esutjss-178	39	20	performance	performance	NOUN
esutjss-178	39	21	,	,	PUNCT
esutjss-178	39	22	enhance	enhance	VERB
esutjss-178	39	23	customer	customer	NOUN
esutjss-178	39	24	experiences	experience	NOUN
esutjss-178	39	25	,	,	PUNCT
esutjss-178	39	26	and	and	CCONJ
esutjss-178	39	27	drive	drive	VERB
esutjss-178	39	28	new	new	ADJ
esutjss-178	39	29	value	value	NOUN
esutjss-178	39	30	creation	creation	NOUN
esutjss-178	39	31	(	(	PUNCT
esutjss-178	39	32	li	li	PROPN
esutjss-178	39	33	et	et	PROPN
esutjss-178	39	34	al	al	PROPN
esutjss-178	39	35	.	.	PROPN
esutjss-178	39	36	,	,	PUNCT
esutjss-178	39	37	2020	2020	NUM
esutjss-178	39	38	;	;	PUNCT
esutjss-178	39	39	warner	warner	PROPN
esutjss-178	39	40	&	&	CCONJ
esutjss-178	39	41	wäger	wäger	NOUN
esutjss-178	39	42	,	,	PUNCT
esutjss-178	39	43	2019	2019	NUM
esutjss-178	39	44	)	)	PUNCT
esutjss-178	39	45	.	.	PUNCT
esutjss-178	40	1	emerging	emerge	VERB
esutjss-178	40	2	technologies	technology	NOUN
esutjss-178	40	3	like	like	ADP
esutjss-178	40	4	artificial	artificial	ADJ
esutjss-178	40	5	intelligence	intelligence	NOUN
esutjss-178	40	6	,	,	PUNCT
esutjss-178	40	7	big	big	ADJ
esutjss-178	40	8	data	datum	NOUN
esutjss-178	40	9	analytics	analytic	NOUN
esutjss-178	40	10	,	,	PUNCT
esutjss-178	40	11	cloud	cloud	NOUN
esutjss-178	40	12	computing	computing	NOUN
esutjss-178	40	13	,	,	PUNCT
esutjss-178	40	14	the	the	DET
esutjss-178	40	15	internet	internet	NOUN
esutjss-178	40	16	of	of	ADP
esutjss-178	40	17	things	thing	NOUN
esutjss-178	40	18	(	(	PUNCT
esutjss-178	40	19	iot	iot	NOUN
esutjss-178	40	20	)	)	PUNCT
esutjss-178	40	21	and	and	CCONJ
esutjss-178	40	22	blockchain	blockchain	PROPN
esutjss-178	40	23	are	be	AUX
esutjss-178	40	24	providing	provide	VERB
esutjss-178	40	25	the	the	DET
esutjss-178	40	26	infrastructure	infrastructure	NOUN
esutjss-178	40	27	to	to	PART
esutjss-178	40	28	enable	enable	VERB
esutjss-178	40	29	this	this	DET
esutjss-178	40	30	transformation	transformation	NOUN
esutjss-178	40	31	(	(	PUNCT
esutjss-178	40	32	hbr	hbr	PROPN
esutjss-178	40	33	analytic	analytic	PROPN
esutjss-178	40	34	services	service	NOUN
esutjss-178	40	35	,	,	PUNCT
esutjss-178	40	36	2021	2021	NUM
esutjss-178	40	37	;	;	PUNCT
esutjss-178	40	38	kane	kane	PROPN
esutjss-178	40	39	et	et	PROPN
esutjss-178	40	40	al	al	PROPN
esutjss-178	40	41	.	.	PROPN
esutjss-178	40	42	,	,	PUNCT
esutjss-178	40	43	2021	2021	NUM
esutjss-178	40	44	)	)	PUNCT
esutjss-178	40	45	.	.	PUNCT
esutjss-178	41	1	however	however	ADV
esutjss-178	41	2	,	,	PUNCT
esutjss-178	41	3	successfully	successfully	ADV
esutjss-178	41	4	leveraging	leverage	VERB
esutjss-178	41	5	these	these	DET
esutjss-178	41	6	technologies	technology	NOUN
esutjss-178	41	7	requires	require	VERB
esutjss-178	41	8	much	much	ADV
esutjss-178	41	9	more	more	ADJ
esutjss-178	41	10	than	than	ADP
esutjss-178	41	11	just	just	ADV
esutjss-178	41	12	it	it	PRON
esutjss-178	41	13	modernization	modernization	NOUN
esutjss-178	41	14	.	.	PUNCT
esutjss-178	42	1	true	true	ADJ
esutjss-178	42	2	digital	digital	ADJ
esutjss-178	42	3	transformation	transformation	NOUN
esutjss-178	42	4	is	be	AUX
esutjss-178	42	5	a	a	DET
esutjss-178	42	6	holistic	holistic	ADJ
esutjss-178	42	7	metamorphosis	metamorphosis	NOUN
esutjss-178	42	8	that	that	PRON
esutjss-178	42	9	puts	put	VERB
esutjss-178	42	10	digital	digital	ADJ
esutjss-178	42	11	capacity	capacity	NOUN
esutjss-178	42	12	at	at	ADP
esutjss-178	42	13	the	the	DET
esutjss-178	42	14	heart	heart	NOUN
esutjss-178	42	15	of	of	ADP
esutjss-178	42	16	operations	operation	NOUN
esutjss-178	42	17	,	,	PUNCT
esutjss-178	42	18	business	business	NOUN
esutjss-178	42	19	models	model	NOUN
esutjss-178	42	20	,	,	PUNCT
esutjss-178	42	21	products	product	NOUN
esutjss-178	42	22	/	/	SYM
esutjss-178	42	23	services	service	NOUN
esutjss-178	42	24	,	,	PUNCT
esutjss-178	42	25	culture	culture	NOUN
esutjss-178	42	26	,	,	PUNCT
esutjss-178	42	27	and	and	CCONJ
esutjss-178	42	28	the	the	DET
esutjss-178	42	29	customer	customer	NOUN
esutjss-178	42	30	experience	experience	NOUN
esutjss-178	42	31	(	(	PUNCT
esutjss-178	42	32	rogers	roger	NOUN
esutjss-178	42	33	,	,	PUNCT
esutjss-178	42	34	2016	2016	NUM
esutjss-178	42	35	;	;	PUNCT
esutjss-178	43	1	westerman	westerman	PROPN
esutjss-178	43	2	et	et	PROPN
esutjss-178	43	3	al	al	PROPN
esutjss-178	43	4	.	.	PROPN
esutjss-178	43	5	,	,	PUNCT
esutjss-178	43	6	2014	2014	NUM
esutjss-178	43	7	)	)	PUNCT
esutjss-178	43	8	.	.	PUNCT
esutjss-178	44	1	it	it	PRON
esutjss-178	44	2	allows	allow	VERB
esutjss-178	44	3	companies	company	NOUN
esutjss-178	44	4	to	to	PART
esutjss-178	44	5	harness	harness	VERB
esutjss-178	44	6	the	the	DET
esutjss-178	44	7	disruptive	disruptive	ADJ
esutjss-178	44	8	power	power	NOUN
esutjss-178	44	9	of	of	ADP
esutjss-178	44	10	digital	digital	ADJ
esutjss-178	44	11	innovation	innovation	NOUN
esutjss-178	44	12	,	,	PUNCT
esutjss-178	44	13	rather	rather	ADV
esutjss-178	44	14	than	than	SCONJ
esutjss-178	44	15	be	be	AUX
esutjss-178	44	16	threatened	threaten	VERB
esutjss-178	44	17	by	by	ADP
esutjss-178	44	18	it	it	PRON
esutjss-178	44	19	.	.	PUNCT
esutjss-178	45	1	this	this	PRON
esutjss-178	45	2	requires	require	VERB
esutjss-178	45	3	integrating	integrate	VERB
esutjss-178	45	4	new	new	ADJ
esutjss-178	45	5	technologies	technology	NOUN
esutjss-178	45	6	across	across	ADP
esutjss-178	45	7	the	the	DET
esutjss-178	45	8	organization	organization	NOUN
esutjss-178	45	9	to	to	PART
esutjss-178	45	10	fundamentally	fundamentally	ADV
esutjss-178	45	11	change	change	VERB
esutjss-178	45	12	how	how	SCONJ
esutjss-178	45	13	value	value	NOUN
esutjss-178	45	14	is	be	AUX
esutjss-178	45	15	created	create	VERB
esutjss-178	45	16	and	and	CCONJ
esutjss-178	45	17	competitive	competitive	ADJ
esutjss-178	45	18	advantage	advantage	NOUN
esutjss-178	45	19	is	be	AUX
esutjss-178	45	20	sustained	sustain	VERB
esutjss-178	45	21	(	(	PUNCT
esutjss-178	45	22	li	li	PROPN
esutjss-178	45	23	et	et	PROPN
esutjss-178	45	24	al	al	PROPN
esutjss-178	45	25	.	.	PROPN
esutjss-178	45	26	,	,	PUNCT
esutjss-178	45	27	2020	2020	NUM
esutjss-178	45	28	;	;	PUNCT
esutjss-178	45	29	vial	vial	ADJ
esutjss-178	45	30	,	,	PUNCT
esutjss-178	45	31	2019	2019	NUM
esutjss-178	45	32	)	)	PUNCT
esutjss-178	45	33	.	.	PUNCT
esutjss-178	46	1	digitally	digitally	ADV
esutjss-178	46	2	mature	mature	ADJ
esutjss-178	46	3	firms	firm	NOUN
esutjss-178	46	4	combine	combine	VERB
esutjss-178	46	5	technology	technology	NOUN
esutjss-178	46	6	adoption	adoption	NOUN
esutjss-178	46	7	with	with	ADP
esutjss-178	46	8	organizational	organizational	ADJ
esutjss-178	46	9	agility	agility	NOUN
esutjss-178	46	10	,	,	PUNCT
esutjss-178	46	11	customer	customer	NOUN
esutjss-178	46	12	centricity	centricity	NOUN
esutjss-178	46	13	,	,	PUNCT
esutjss-178	46	14	empowered	empower	VERB
esutjss-178	46	15	workforces	workforce	NOUN
esutjss-178	46	16	,	,	PUNCT
esutjss-178	46	17	data	data	NOUN
esutjss-178	46	18	-	-	PUNCT
esutjss-178	46	19	driven	drive	VERB
esutjss-178	46	20	insights	insight	NOUN
esutjss-178	46	21	and	and	CCONJ
esutjss-178	46	22	new	new	ADJ
esutjss-178	46	23	partnerships	partnership	NOUN
esutjss-178	46	24	(	(	PUNCT
esutjss-178	46	25	kane	kane	PROPN
esutjss-178	46	26	et	et	PROPN
esutjss-178	46	27	al	al	PROPN
esutjss-178	46	28	.	.	PROPN
esutjss-178	46	29	,	,	PUNCT
esutjss-178	46	30	2021	2021	NUM
esutjss-178	46	31	;	;	PUNCT
esutjss-178	46	32	solis	solis	PROPN
esutjss-178	46	33	et	et	PROPN
esutjss-178	46	34	al	al	PROPN
esutjss-178	46	35	.	.	PROPN
esutjss-178	46	36	,	,	PUNCT
esutjss-178	46	37	2015	2015	NUM
esutjss-178	46	38	)	)	PUNCT
esutjss-178	46	39	.	.	PUNCT
esutjss-178	47	1	for	for	ADP
esutjss-178	47	2	incumbents	incumbent	NOUN
esutjss-178	47	3	,	,	PUNCT
esutjss-178	47	4	this	this	DET
esutjss-178	47	5	deep	deep	ADJ
esutjss-178	47	6	and	and	CCONJ
esutjss-178	47	7	pervasive	pervasive	ADJ
esutjss-178	47	8	organizational	organizational	ADJ
esutjss-178	47	9	change	change	NOUN
esutjss-178	47	10	presents	present	VERB
esutjss-178	47	11	major	major	ADJ
esutjss-178	47	12	challenges	challenge	NOUN
esutjss-178	47	13	,	,	PUNCT
esutjss-178	47	14	as	as	SCONJ
esutjss-178	47	15	legacy	legacy	NOUN
esutjss-178	47	16	structures	structure	NOUN
esutjss-178	47	17	can	can	AUX
esutjss-178	47	18	inhibit	inhibit	VERB
esutjss-178	47	19	transformation	transformation	NOUN
esutjss-178	47	20	(	(	PUNCT
esutjss-178	47	21	chanias	chanias	PROPN
esutjss-178	47	22	&	&	CCONJ
esutjss-178	47	23	hess	hess	PROPN
esutjss-178	47	24	,	,	PUNCT
esutjss-178	47	25	2016	2016	NUM
esutjss-178	47	26	;	;	PUNCT
esutjss-178	47	27	hess	hess	PROPN
esutjss-178	47	28	et	et	PROPN
esutjss-178	47	29	al	al	PROPN
esutjss-178	47	30	.	.	PROPN
esutjss-178	47	31	,	,	PUNCT
esutjss-178	47	32	2016	2016	NUM
esutjss-178	47	33	)	)	PUNCT
esutjss-178	47	34	.	.	PUNCT
esutjss-178	48	1	however	however	ADV
esutjss-178	48	2	,	,	PUNCT
esutjss-178	48	3	resisting	resist	VERB
esutjss-178	48	4	digital	digital	ADJ
esutjss-178	48	5	's	's	PART
esutjss-178	48	6	disruptive	disruptive	ADJ
esutjss-178	48	7	forces	force	NOUN
esutjss-178	48	8	is	be	AUX
esutjss-178	48	9	not	not	PART
esutjss-178	48	10	an	an	DET
esutjss-178	48	11	option	option	NOUN
esutjss-178	48	12	in	in	ADP
esutjss-178	48	13	most	most	ADJ
esutjss-178	48	14	industries	industry	NOUN
esutjss-178	48	15	.	.	PUNCT
esutjss-178	49	1	organizations	organization	NOUN
esutjss-178	49	2	that	that	PRON
esutjss-178	49	3	lag	lag	VERB
esutjss-178	49	4	in	in	ADP
esutjss-178	49	5	digital	digital	ADJ
esutjss-178	49	6	maturity	maturity	NOUN
esutjss-178	49	7	risk	risk	NOUN
esutjss-178	49	8	declining	decline	VERB
esutjss-178	49	9	competitiveness	competitiveness	NOUN
esutjss-178	49	10	,	,	PUNCT
esutjss-178	49	11	profitability	profitability	NOUN
esutjss-178	49	12	and	and	CCONJ
esutjss-178	49	13	relevance	relevance	NOUN
esutjss-178	49	14	(	(	PUNCT
esutjss-178	49	15	hbr	hbr	PROPN
esutjss-178	49	16	analytic	analytic	PROPN
esutjss-178	49	17	services	service	NOUN
esutjss-178	49	18	,	,	PUNCT
esutjss-178	49	19	2021	2021	NUM
esutjss-178	49	20	;	;	PUNCT
esutjss-178	49	21	rogers	roger	NOUN
esutjss-178	49	22	,	,	PUNCT
esutjss-178	49	23	2016	2016	NUM
esutjss-178	49	24	)	)	PUNCT
esutjss-178	49	25	.	.	PUNCT
esutjss-178	50	1	proactively	proactively	ADV
esutjss-178	50	2	investing	invest	VERB
esutjss-178	50	3	in	in	ADP
esutjss-178	50	4	digital	digital	ADJ
esutjss-178	50	5	capabilities	capability	NOUN
esutjss-178	50	6	and	and	CCONJ
esutjss-178	50	7	cultural	cultural	ADJ
esutjss-178	50	8	change	change	NOUN
esutjss-178	50	9	is	be	AUX
esutjss-178	50	10	critical	critical	ADJ
esutjss-178	50	11	for	for	SCONJ
esutjss-178	50	12	firms	firm	NOUN
esutjss-178	50	13	to	to	PART
esutjss-178	50	14	capitalize	capitalize	VERB
esutjss-178	50	15	on	on	ADP
esutjss-178	50	16	the	the	DET
esutjss-178	50	17	immense	immense	ADJ
esutjss-178	50	18	opportunities	opportunity	NOUN
esutjss-178	50	19	provided	provide	VERB
esutjss-178	50	20	by	by	ADP
esutjss-178	50	21	emerging	emerge	VERB
esutjss-178	50	22	innovations	innovation	NOUN
esutjss-178	50	23	.	.	PUNCT
esutjss-178	51	1	this	this	PRON
esutjss-178	51	2	requires	require	VERB
esutjss-178	51	3	strong	strong	ADJ
esutjss-178	51	4	leadership	leadership	NOUN
esutjss-178	51	5	commitment	commitment	NOUN
esutjss-178	51	6	and	and	CCONJ
esutjss-178	51	7	a	a	DET
esutjss-178	51	8	workforce	workforce	NOUN
esutjss-178	51	9	empowered	empower	VERB
esutjss-178	51	10	with	with	ADP
esutjss-178	51	11	digital	digital	ADJ
esutjss-178	51	12	skills	skill	NOUN
esutjss-178	51	13	and	and	CCONJ
esutjss-178	51	14	mindsets	mindset	NOUN
esutjss-178	51	15	(	(	PUNCT
esutjss-178	51	16	kane	kane	PROPN
esutjss-178	51	17	et	et	PROPN
esutjss-178	51	18	al	al	PROPN
esutjss-178	51	19	.	.	PROPN
esutjss-178	51	20	,	,	PUNCT
esutjss-178	51	21	2021	2021	NUM
esutjss-178	51	22	;	;	PUNCT
esutjss-178	51	23	li	li	PROPN
esutjss-178	51	24	et	et	PROPN
esutjss-178	51	25	al	al	PROPN
esutjss-178	51	26	.	.	PROPN
esutjss-178	51	27	,	,	PUNCT
esutjss-178	51	28	2020	2020	NUM
esutjss-178	51	29	)	)	PUNCT
esutjss-178	51	30	.	.	PUNCT
esutjss-178	52	1	with	with	ADP
esutjss-178	52	2	clear	clear	ADJ
esutjss-178	52	3	vision	vision	NOUN
esutjss-178	52	4	and	and	CCONJ
esutjss-178	52	5	purposeful	purposeful	ADJ
esutjss-178	52	6	transformation	transformation	NOUN
esutjss-178	52	7	,	,	PUNCT
esutjss-178	52	8	companies	company	NOUN
esutjss-178	52	9	can	can	AUX
esutjss-178	52	10	leverage	leverage	VERB
esutjss-178	52	11	digital	digital	ADJ
esutjss-178	52	12	disruption	disruption	NOUN
esutjss-178	52	13	for	for	ADP
esutjss-178	52	14	sustainable	sustainable	ADJ
esutjss-178	52	15	value	value	NOUN
esutjss-178	52	16	creation	creation	NOUN
esutjss-178	52	17	.	.	PUNCT
esutjss-178	53	1	digital	digital	ADJ
esutjss-178	53	2	transformation	transformation	NOUN
esutjss-178	53	3	and	and	CCONJ
esutjss-178	53	4	the	the	DET
esutjss-178	53	5	insurance	insurance	NOUN
esutjss-178	53	6	industry	industry	NOUN
esutjss-178	53	7	digital	digital	ADJ
esutjss-178	53	8	technologies	technology	NOUN
esutjss-178	53	9	are	be	AUX
esutjss-178	53	10	profoundly	profoundly	ADV
esutjss-178	53	11	disrupting	disrupt	VERB
esutjss-178	53	12	the	the	DET
esutjss-178	53	13	global	global	ADJ
esutjss-178	53	14	insurance	insurance	NOUN
esutjss-178	53	15	sector	sector	NOUN
esutjss-178	53	16	,	,	PUNCT
esutjss-178	53	17	requiring	require	VERB
esutjss-178	53	18	insurers	insurer	NOUN
esutjss-178	53	19	to	to	PART
esutjss-178	53	20	digitally	digitally	ADV
esutjss-178	53	21	transform	transform	VERB
esutjss-178	53	22	to	to	PART
esutjss-178	53	23	remain	remain	VERB
esutjss-178	53	24	competitive	competitive	ADJ
esutjss-178	53	25	(	(	PUNCT
esutjss-178	53	26	aina	aina	PROPN
esutjss-178	53	27	,	,	PUNCT
esutjss-178	53	28	ganiyu	ganiyu	NOUN
esutjss-178	53	29	&	&	CCONJ
esutjss-178	53	30	oloriegbe	oloriegbe	PROPN
esutjss-178	53	31	,	,	PUNCT
esutjss-178	53	32	2023	2023	NUM
esutjss-178	53	33	;	;	PUNCT
esutjss-178	53	34	candi	candi	NOUN
esutjss-178	53	35	et	et	NOUN
esutjss-178	53	36	al	al	PROPN
esutjss-178	53	37	.	.	PROPN
esutjss-178	53	38	,	,	PUNCT
esutjss-178	53	39	2021	2021	NUM
esutjss-178	53	40	;	;	PUNCT
esutjss-178	53	41	hbr	hbr	PROPN
esutjss-178	53	42	analytic	analytic	PROPN
esutjss-178	53	43	services	service	NOUN
esutjss-178	53	44	,	,	PUNCT
esutjss-178	53	45	2021	2021	NUM
esutjss-178	53	46	)	)	PUNCT
esutjss-178	53	47	.	.	PUNCT
esutjss-178	54	1	artificial	artificial	ADJ
esutjss-178	54	2	intelligence	intelligence	NOUN
esutjss-178	54	3	(	(	PUNCT
esutjss-178	54	4	ai	ai	NOUN
esutjss-178	54	5	)	)	PUNCT
esutjss-178	54	6	,	,	PUNCT
esutjss-178	54	7	big	big	ADJ
esutjss-178	54	8	data	datum	NOUN
esutjss-178	54	9	analytics	analytic	NOUN
esutjss-178	54	10	,	,	PUNCT
esutjss-178	54	11	internet	internet	NOUN
esutjss-178	54	12	of	of	ADP
esutjss-178	54	13	things	thing	NOUN
esutjss-178	54	14	(	(	PUNCT
esutjss-178	54	15	iot	iot	NOUN
esutjss-178	54	16	)	)	PUNCT
esutjss-178	54	17	,	,	PUNCT
esutjss-178	54	18	blockchain	blockchain	PROPN
esutjss-178	54	19	and	and	CCONJ
esutjss-178	54	20	cloud	cloud	PROPN
esutjss-178	54	21	computing	computing	NOUN
esutjss-178	54	22	are	be	AUX
esutjss-178	54	23	driving	drive	VERB
esutjss-178	54	24	innovation	innovation	NOUN
esutjss-178	54	25	across	across	ADP
esutjss-178	54	26	insurance	insurance	NOUN
esutjss-178	54	27	value	value	NOUN
esutjss-178	54	28	chains	chain	NOUN
esutjss-178	54	29	(	(	PUNCT
esutjss-178	54	30	eling	eling	PROPN
esutjss-178	54	31	&	&	CCONJ
esutjss-178	54	32	lehmann	lehmann	PROPN
esutjss-178	54	33	,	,	PUNCT
esutjss-178	54	34	2018	2018	NUM
esutjss-178	54	35	;	;	PUNCT
esutjss-178	54	36	mckinsey	mckinsey	NOUN
esutjss-178	54	37	,	,	PUNCT
esutjss-178	54	38	2021	2021	NUM
esutjss-178	54	39	)	)	PUNCT
esutjss-178	54	40	.	.	PUNCT
esutjss-178	55	1	incumbents	incumbent	NOUN
esutjss-178	55	2	must	must	AUX
esutjss-178	55	3	leverage	leverage	VERB
esutjss-178	55	4	these	these	DET
esutjss-178	55	5	69	69	NUM
esutjss-178	55	6	technologies	technology	NOUN
esutjss-178	55	7	to	to	PART
esutjss-178	55	8	deliver	deliver	VERB
esutjss-178	55	9	superior	superior	ADJ
esutjss-178	55	10	customer	customer	NOUN
esutjss-178	55	11	experiences	experience	NOUN
esutjss-178	55	12	,	,	PUNCT
esutjss-178	55	13	develop	develop	VERB
esutjss-178	55	14	innovative	innovative	ADJ
esutjss-178	55	15	products	product	NOUN
esutjss-178	55	16	,	,	PUNCT
esutjss-178	55	17	improve	improve	VERB
esutjss-178	55	18	efficiency	efficiency	NOUN
esutjss-178	55	19	,	,	PUNCT
esutjss-178	55	20	and	and	CCONJ
esutjss-178	55	21	strengthen	strengthen	VERB
esutjss-178	55	22	market	market	NOUN
esutjss-178	55	23	position	position	NOUN
esutjss-178	55	24	(	(	PUNCT
esutjss-178	55	25	capgemini	capgemini	NOUN
esutjss-178	55	26	,	,	PUNCT
esutjss-178	55	27	2020	2020	NUM
esutjss-178	55	28	;	;	PUNCT
esutjss-178	55	29	candi	candi	NOUN
esutjss-178	55	30	et	et	NOUN
esutjss-178	55	31	al	al	PROPN
esutjss-178	55	32	.	.	PROPN
esutjss-178	55	33	,	,	PUNCT
esutjss-178	55	34	2021	2021	NUM
esutjss-178	55	35	)	)	PUNCT
esutjss-178	55	36	.	.	PUNCT
esutjss-178	56	1	however	however	ADV
esutjss-178	56	2	,	,	PUNCT
esutjss-178	56	3	this	this	PRON
esutjss-178	56	4	depends	depend	VERB
esutjss-178	56	5	on	on	ADP
esutjss-178	56	6	comprehensive	comprehensive	ADJ
esutjss-178	56	7	strategies	strategy	NOUN
esutjss-178	56	8	addressing	address	VERB
esutjss-178	56	9	legacy	legacy	NOUN
esutjss-178	56	10	constraints	constraint	NOUN
esutjss-178	56	11	across	across	ADP
esutjss-178	56	12	technology	technology	NOUN
esutjss-178	56	13	,	,	PUNCT
esutjss-178	56	14	data	datum	NOUN
esutjss-178	56	15	,	,	PUNCT
esutjss-178	56	16	processes	process	NOUN
esutjss-178	56	17	and	and	CCONJ
esutjss-178	56	18	organizational	organizational	ADJ
esutjss-178	56	19	culture	culture	NOUN
esutjss-178	56	20	(	(	PUNCT
esutjss-178	56	21	ganiyu	ganiyu	NOUN
esutjss-178	56	22	,	,	PUNCT
esutjss-178	56	23	aina	aina	PROPN
esutjss-178	56	24	&	&	CCONJ
esutjss-178	56	25	oloriegbe	oloriegbe	PROPN
esutjss-178	56	26	,	,	PUNCT
esutjss-178	56	27	2023	2023	NUM
esutjss-178	56	28	;	;	PUNCT
esutjss-178	56	29	hbr	hbr	PROPN
esutjss-178	56	30	analytic	analytic	PROPN
esutjss-178	56	31	services	service	NOUN
esutjss-178	56	32	,	,	PUNCT
esutjss-178	56	33	2021	2021	NUM
esutjss-178	56	34	;	;	PUNCT
esutjss-178	56	35	rogers	roger	NOUN
esutjss-178	56	36	,	,	PUNCT
esutjss-178	56	37	2016	2016	NUM
esutjss-178	56	38	)	)	PUNCT
esutjss-178	56	39	.	.	PUNCT
esutjss-178	57	1	one	one	NUM
esutjss-178	57	2	major	major	ADJ
esutjss-178	57	3	impact	impact	NOUN
esutjss-178	57	4	of	of	ADP
esutjss-178	57	5	digital	digital	ADJ
esutjss-178	57	6	disruption	disruption	NOUN
esutjss-178	57	7	is	be	AUX
esutjss-178	57	8	the	the	DET
esutjss-178	57	9	emergence	emergence	NOUN
esutjss-178	57	10	of	of	ADP
esutjss-178	57	11	data	data	NOUN
esutjss-178	57	12	-	-	PUNCT
esutjss-178	57	13	driven	drive	VERB
esutjss-178	57	14	insurance	insurance	NOUN
esutjss-178	57	15	.	.	PUNCT
esutjss-178	58	1	vast	vast	ADJ
esutjss-178	58	2	new	new	ADJ
esutjss-178	58	3	datasets	dataset	NOUN
esutjss-178	58	4	from	from	ADP
esutjss-178	58	5	internal	internal	ADJ
esutjss-178	58	6	systems	system	NOUN
esutjss-178	58	7	and	and	CCONJ
esutjss-178	58	8	external	external	ADJ
esutjss-178	58	9	sources	source	NOUN
esutjss-178	58	10	like	like	ADP
esutjss-178	58	11	iot	iot	PROPN
esutjss-178	58	12	devices	device	NOUN
esutjss-178	58	13	are	be	AUX
esutjss-178	58	14	enabling	enable	VERB
esutjss-178	58	15	more	more	ADJ
esutjss-178	58	16	granular	granular	ADJ
esutjss-178	58	17	risk	risk	NOUN
esutjss-178	58	18	analytics	analytic	NOUN
esutjss-178	58	19	,	,	PUNCT
esutjss-178	58	20	personalized	personalized	ADJ
esutjss-178	58	21	pricing	pricing	NOUN
esutjss-178	58	22	,	,	PUNCT
esutjss-178	58	23	proactive	proactive	ADJ
esutjss-178	58	24	loss	loss	NOUN
esutjss-178	58	25	prevention	prevention	NOUN
esutjss-178	58	26	and	and	CCONJ
esutjss-178	58	27	faster	fast	ADJ
esutjss-178	58	28	claims	claim	NOUN
esutjss-178	58	29	processing	processing	NOUN
esutjss-178	58	30	(	(	PUNCT
esutjss-178	58	31	yusuf	yusuf	PROPN
esutjss-178	58	32	,	,	PUNCT
esutjss-178	58	33	ajemunigbohun	ajemunigbohun	PROPN
esutjss-178	58	34	&	&	CCONJ
esutjss-178	58	35	alli	alli	PROPN
esutjss-178	58	36	,	,	PUNCT
esutjss-178	58	37	2017	2017	NUM
esutjss-178	58	38	;	;	PUNCT
esutjss-178	58	39	candi	candi	NOUN
esutjss-178	58	40	et	et	NOUN
esutjss-178	58	41	al	al	PROPN
esutjss-178	58	42	.	.	PROPN
esutjss-178	58	43	,	,	PUNCT
esutjss-178	58	44	2021	2021	NUM
esutjss-178	58	45	;	;	PUNCT
esutjss-178	58	46	hbr	hbr	PROPN
esutjss-178	58	47	analytic	analytic	PROPN
esutjss-178	58	48	services	service	NOUN
esutjss-178	58	49	,	,	PUNCT
esutjss-178	58	50	2021	2021	NUM
esutjss-178	58	51	;	;	PUNCT
esutjss-178	58	52	ajemunigbohun	ajemunigbohun	PROPN
esutjss-178	58	53	,	,	PUNCT
esutjss-178	58	54	oreshile	oreshile	NOUN
esutjss-178	58	55	&	&	CCONJ
esutjss-178	58	56	alli	alli	PROPN
esutjss-178	58	57	,	,	PUNCT
esutjss-178	58	58	2018	2018	NUM
esutjss-178	58	59	;	;	PUNCT
esutjss-178	58	60	alli	alli	PROPN
esutjss-178	58	61	,	,	PUNCT
esutjss-178	58	62	ganiyu	ganiyu	PROPN
esutjss-178	58	63	&	&	CCONJ
esutjss-178	58	64	aina	aina	PROPN
esutjss-178	58	65	,	,	PUNCT
esutjss-178	58	66	2020	2020	NUM
esutjss-178	58	67	;	;	PUNCT
esutjss-178	58	68	alli	alli	PROPN
esutjss-178	58	69	aina	aina	PROPN
esutjss-178	58	70	&	&	CCONJ
esutjss-178	58	71	ganiyu	ganiyu	PROPN
esutjss-178	58	72	,	,	PUNCT
esutjss-178	58	73	2023	2023	NUM
esutjss-178	58	74	;	;	PUNCT
esutjss-178	58	75	alli	alli	PROPN
esutjss-178	58	76	,	,	PUNCT
esutjss-178	58	77	ganiyu	ganiyu	PROPN
esutjss-178	58	78	&	&	CCONJ
esutjss-178	58	79	aina	aina	PROPN
esutjss-178	58	80	,	,	PUNCT
esutjss-178	58	81	2021	2021	NUM
esutjss-178	58	82	)	)	PUNCT
esutjss-178	58	83	.	.	PUNCT
esutjss-178	59	1	for	for	ADP
esutjss-178	59	2	example	example	NOUN
esutjss-178	59	3	,	,	PUNCT
esutjss-178	59	4	ai	ai	VERB
esutjss-178	59	5	techniques	technique	NOUN
esutjss-178	59	6	like	like	ADP
esutjss-178	59	7	machine	machine	NOUN
esutjss-178	59	8	learning	learning	NOUN
esutjss-178	59	9	applied	apply	VERB
esutjss-178	59	10	to	to	ADP
esutjss-178	59	11	telematics	telematic	NOUN
esutjss-178	59	12	data	datum	NOUN
esutjss-178	59	13	from	from	ADP
esutjss-178	59	14	networked	networked	ADJ
esutjss-178	59	15	vehicles	vehicle	NOUN
esutjss-178	59	16	allow	allow	VERB
esutjss-178	59	17	for	for	ADP
esutjss-178	59	18	usage	usage	NOUN
esutjss-178	59	19	-	-	PUNCT
esutjss-178	59	20	based	base	VERB
esutjss-178	59	21	insurance	insurance	NOUN
esutjss-178	59	22	.	.	PUNCT
esutjss-178	60	1	combining	combine	VERB
esutjss-178	60	2	iot	iot	PROPN
esutjss-178	60	3	sensor	sensor	NOUN
esutjss-178	60	4	data	datum	NOUN
esutjss-178	60	5	with	with	ADP
esutjss-178	60	6	analytics	analytic	NOUN
esutjss-178	60	7	promotes	promote	VERB
esutjss-178	60	8	real	real	ADJ
esutjss-178	60	9	-	-	PUNCT
esutjss-178	60	10	time	time	NOUN
esutjss-178	60	11	monitoring	monitoring	NOUN
esutjss-178	60	12	and	and	CCONJ
esutjss-178	60	13	risk	risk	NOUN
esutjss-178	60	14	mitigation	mitigation	NOUN
esutjss-178	60	15	across	across	ADP
esutjss-178	60	16	industries	industry	NOUN
esutjss-178	60	17	,	,	PUNCT
esutjss-178	60	18	while	while	SCONJ
esutjss-178	60	19	also	also	ADV
esutjss-178	60	20	enabling	enable	VERB
esutjss-178	60	21	new	new	ADJ
esutjss-178	60	22	parametric	parametric	ADJ
esutjss-178	60	23	insurance	insurance	NOUN
esutjss-178	60	24	products	product	NOUN
esutjss-178	60	25	(	(	PUNCT
esutjss-178	60	26	eling	eling	PROPN
esutjss-178	60	27	&	&	CCONJ
esutjss-178	60	28	lehmann	lehmann	PROPN
esutjss-178	60	29	,	,	PUNCT
esutjss-178	60	30	2018	2018	NUM
esutjss-178	60	31	)	)	PUNCT
esutjss-178	60	32	.	.	PUNCT
esutjss-178	61	1	blockchain	blockchain	PROPN
esutjss-178	61	2	solutions	solution	NOUN
esutjss-178	61	3	also	also	ADV
esutjss-178	61	4	bring	bring	VERB
esutjss-178	61	5	opportunities	opportunity	NOUN
esutjss-178	61	6	to	to	PART
esutjss-178	61	7	increase	increase	VERB
esutjss-178	61	8	efficiency	efficiency	NOUN
esutjss-178	61	9	,	,	PUNCT
esutjss-178	61	10	security	security	NOUN
esutjss-178	61	11	and	and	CCONJ
esutjss-178	61	12	transparency	transparency	NOUN
esutjss-178	61	13	across	across	ADP
esutjss-178	61	14	payments	payment	NOUN
esutjss-178	61	15	,	,	PUNCT
esutjss-178	61	16	contracts	contract	NOUN
esutjss-178	61	17	,	,	PUNCT
esutjss-178	61	18	and	and	CCONJ
esutjss-178	61	19	information	information	NOUN
esutjss-178	61	20	exchange	exchange	NOUN
esutjss-178	61	21	(	(	PUNCT
esutjss-178	61	22	mckinsey	mckinsey	NOUN
esutjss-178	61	23	,	,	PUNCT
esutjss-178	61	24	2021	2021	NUM
esutjss-178	61	25	)	)	PUNCT
esutjss-178	61	26	.	.	PUNCT
esutjss-178	62	1	digital	digital	ADJ
esutjss-178	62	2	channels	channel	NOUN
esutjss-178	62	3	supported	support	VERB
esutjss-178	62	4	by	by	ADP
esutjss-178	62	5	customer	customer	NOUN
esutjss-178	62	6	analytics	analytic	NOUN
esutjss-178	62	7	and	and	CCONJ
esutjss-178	62	8	ai	ai	AUX
esutjss-178	62	9	allow	allow	VERB
esutjss-178	62	10	insurers	insurer	NOUN
esutjss-178	62	11	to	to	PART
esutjss-178	62	12	deliver	deliver	VERB
esutjss-178	62	13	omnichannel	omnichannel	NOUN
esutjss-178	62	14	distribution	distribution	NOUN
esutjss-178	62	15	,	,	PUNCT
esutjss-178	62	16	hyperpersonalization	hyperpersonalization	NOUN
esutjss-178	62	17	and	and	CCONJ
esutjss-178	62	18	tailored	tailor	VERB
esutjss-178	62	19	engagement	engagement	NOUN
esutjss-178	62	20	(	(	PUNCT
esutjss-178	62	21	capgemini	capgemini	PROPN
esutjss-178	62	22	,	,	PUNCT
esutjss-178	62	23	2020	2020	NUM
esutjss-178	62	24	)	)	PUNCT
esutjss-178	62	25	.	.	PUNCT
esutjss-178	63	1	however	however	ADV
esutjss-178	63	2	,	,	PUNCT
esutjss-178	63	3	many	many	ADJ
esutjss-178	63	4	incumbents	incumbent	NOUN
esutjss-178	63	5	face	face	VERB
esutjss-178	63	6	challenges	challenge	NOUN
esutjss-178	63	7	integrating	integrate	VERB
esutjss-178	63	8	new	new	ADJ
esutjss-178	63	9	technologies	technology	NOUN
esutjss-178	63	10	into	into	ADP
esutjss-178	63	11	legacy	legacy	NOUN
esutjss-178	63	12	it	it	PRON
esutjss-178	63	13	systems	system	NOUN
esutjss-178	63	14	,	,	PUNCT
esutjss-178	63	15	distribution	distribution	NOUN
esutjss-178	63	16	models	model	NOUN
esutjss-178	63	17	and	and	CCONJ
esutjss-178	63	18	organizational	organizational	ADJ
esutjss-178	63	19	structures	structure	NOUN
esutjss-178	63	20	(	(	PUNCT
esutjss-178	63	21	eling	eling	PROPN
esutjss-178	63	22	&	&	CCONJ
esutjss-178	63	23	lehmann	lehmann	PROPN
esutjss-178	63	24	,	,	PUNCT
esutjss-178	63	25	2018	2018	NUM
esutjss-178	63	26	)	)	PUNCT
esutjss-178	63	27	.	.	PUNCT
esutjss-178	64	1	proactive	proactive	ADJ
esutjss-178	64	2	digital	digital	ADJ
esutjss-178	64	3	transformation	transformation	NOUN
esutjss-178	64	4	strategies	strategy	NOUN
esutjss-178	64	5	are	be	AUX
esutjss-178	64	6	required	require	VERB
esutjss-178	64	7	to	to	PART
esutjss-178	64	8	capitalize	capitalize	VERB
esutjss-178	64	9	on	on	ADP
esutjss-178	64	10	emerging	emerge	VERB
esutjss-178	64	11	opportunities	opportunity	NOUN
esutjss-178	64	12	while	while	SCONJ
esutjss-178	64	13	managing	manage	VERB
esutjss-178	64	14	disruptive	disruptive	ADJ
esutjss-178	64	15	threats	threat	NOUN
esutjss-178	64	16	.	.	PUNCT
esutjss-178	65	1	this	this	PRON
esutjss-178	65	2	includes	include	VERB
esutjss-178	65	3	workforce	workforce	NOUN
esutjss-178	65	4	enablement	enablement	NOUN
esutjss-178	65	5	with	with	ADP
esutjss-178	65	6	new	new	ADJ
esutjss-178	65	7	skills	skill	NOUN
esutjss-178	65	8	in	in	ADP
esutjss-178	65	9	data	datum	NOUN
esutjss-178	65	10	analytics	analytic	NOUN
esutjss-178	65	11	,	,	PUNCT
esutjss-178	65	12	customer	customer	NOUN
esutjss-178	65	13	experience	experience	NOUN
esutjss-178	65	14	design	design	NOUN
esutjss-178	65	15	and	and	CCONJ
esutjss-178	65	16	stakeholder	stakeholder	NOUN
esutjss-178	65	17	collaboration	collaboration	NOUN
esutjss-178	65	18	(	(	PUNCT
esutjss-178	65	19	hbr	hbr	PROPN
esutjss-178	65	20	analytic	analytic	PROPN
esutjss-178	65	21	services	service	NOUN
esutjss-178	65	22	,	,	PUNCT
esutjss-178	65	23	2021	2021	NUM
esutjss-178	65	24	;	;	PUNCT
esutjss-178	65	25	rogers	roger	NOUN
esutjss-178	65	26	,	,	PUNCT
esutjss-178	65	27	2016	2016	NUM
esutjss-178	65	28	)	)	PUNCT
esutjss-178	65	29	.	.	PUNCT
esutjss-178	66	1	leaders	leader	NOUN
esutjss-178	66	2	must	must	AUX
esutjss-178	66	3	foster	foster	VERB
esutjss-178	66	4	agile	agile	ADJ
esutjss-178	66	5	cultures	culture	NOUN
esutjss-178	66	6	receptive	receptive	ADJ
esutjss-178	66	7	to	to	ADP
esutjss-178	66	8	ongoing	ongoing	ADJ
esutjss-178	66	9	innovation	innovation	NOUN
esutjss-178	66	10	.	.	PUNCT
esutjss-178	67	1	while	while	SCONJ
esutjss-178	67	2	digital	digital	ADJ
esutjss-178	67	3	disruption	disruption	NOUN
esutjss-178	67	4	brings	bring	VERB
esutjss-178	67	5	major	major	ADJ
esutjss-178	67	6	risks	risk	NOUN
esutjss-178	67	7	,	,	PUNCT
esutjss-178	67	8	embracing	embrace	VERB
esutjss-178	67	9	transformation	transformation	NOUN
esutjss-178	67	10	can	can	AUX
esutjss-178	67	11	allow	allow	VERB
esutjss-178	67	12	insurers	insurer	NOUN
esutjss-178	67	13	to	to	PART
esutjss-178	67	14	unlock	unlock	VERB
esutjss-178	67	15	new	new	ADJ
esutjss-178	67	16	value	value	NOUN
esutjss-178	67	17	and	and	CCONJ
esutjss-178	67	18	strengthen	strengthen	VERB
esutjss-178	67	19	competitive	competitive	ADJ
esutjss-178	67	20	positioning	positioning	NOUN
esutjss-178	67	21	for	for	ADP
esutjss-178	67	22	long	long	ADJ
esutjss-178	67	23	-	-	PUNCT
esutjss-178	67	24	term	term	NOUN
esutjss-178	67	25	sustainability	sustainability	NOUN
esutjss-178	67	26	(	(	PUNCT
esutjss-178	67	27	candi	candi	NOUN
esutjss-178	67	28	et	et	NOUN
esutjss-178	67	29	al	al	PROPN
esutjss-178	67	30	.	.	PROPN
esutjss-178	67	31	,	,	PUNCT
esutjss-178	67	32	2021	2021	NUM
esutjss-178	67	33	;	;	PUNCT
esutjss-178	67	34	mckinsey	mckinsey	NOUN
esutjss-178	67	35	,	,	PUNCT
esutjss-178	67	36	2021	2021	NUM
esutjss-178	67	37	)	)	PUNCT
esutjss-178	67	38	.	.	PUNCT
esutjss-178	68	1	digital	digital	ADJ
esutjss-178	68	2	transformation	transformation	NOUN
esutjss-178	68	3	skills	skill	NOUN
esutjss-178	68	4	and	and	CCONJ
esutjss-178	68	5	workforce	workforce	NOUN
esutjss-178	68	6	requirements	requirement	NOUN
esutjss-178	68	7	of	of	ADP
esutjss-178	68	8	the	the	DET
esutjss-178	68	9	insurance	insurance	NOUN
esutjss-178	68	10	industry	industry	NOUN
esutjss-178	68	11	digital	digital	ADJ
esutjss-178	68	12	technologies	technology	NOUN
esutjss-178	68	13	are	be	AUX
esutjss-178	68	14	transforming	transform	VERB
esutjss-178	68	15	the	the	DET
esutjss-178	68	16	skills	skill	NOUN
esutjss-178	68	17	and	and	CCONJ
esutjss-178	68	18	capabilities	capability	NOUN
esutjss-178	68	19	the	the	DET
esutjss-178	68	20	insurance	insurance	NOUN
esutjss-178	68	21	workforce	workforce	NOUN
esutjss-178	68	22	needs	need	VERB
esutjss-178	68	23	to	to	PART
esutjss-178	68	24	thrive	thrive	VERB
esutjss-178	68	25	in	in	ADP
esutjss-178	68	26	the	the	DET
esutjss-178	68	27	21st	21st	ADJ
esutjss-178	68	28	century	century	NOUN
esutjss-178	68	29	.	.	PUNCT
esutjss-178	69	1	incumbents	incumbent	NOUN
esutjss-178	69	2	must	must	AUX
esutjss-178	69	3	develop	develop	VERB
esutjss-178	69	4	talent	talent	NOUN
esutjss-178	69	5	and	and	CCONJ
esutjss-178	69	6	culture	culture	NOUN
esutjss-178	69	7	strategies	strategy	NOUN
esutjss-178	69	8	to	to	PART
esutjss-178	69	9	equip	equip	VERB
esutjss-178	69	10	their	their	PRON
esutjss-178	69	11	people	people	NOUN
esutjss-178	69	12	to	to	PART
esutjss-178	69	13	embrace	embrace	VERB
esutjss-178	69	14	digital	digital	ADJ
esutjss-178	69	15	innovation	innovation	NOUN
esutjss-178	69	16	,	,	PUNCT
esutjss-178	69	17	not	not	PART
esutjss-178	69	18	be	be	AUX
esutjss-178	69	19	displaced	displace	VERB
esutjss-178	69	20	by	by	ADP
esutjss-178	69	21	it	it	PRON
esutjss-178	69	22	(	(	PUNCT
esutjss-178	69	23	capgemini	capgemini	PROPN
esutjss-178	69	24	,	,	PUNCT
esutjss-178	69	25	2020	2020	NUM
esutjss-178	69	26	;	;	PUNCT
esutjss-178	69	27	hbr	hbr	PROPN
esutjss-178	69	28	analytic	analytic	PROPN
esutjss-178	69	29	services	service	NOUN
esutjss-178	69	30	,	,	PUNCT
esutjss-178	69	31	2021	2021	NUM
esutjss-178	69	32	)	)	PUNCT
esutjss-178	69	33	.	.	PUNCT
esutjss-178	70	1	this	this	PRON
esutjss-178	70	2	requires	require	VERB
esutjss-178	70	3	reskilling	reskille	VERB
esutjss-178	70	4	programs	program	NOUN
esutjss-178	70	5	,	,	PUNCT
esutjss-178	70	6	change	change	NOUN
esutjss-178	70	7	management	management	NOUN
esutjss-178	70	8	,	,	PUNCT
esutjss-178	70	9	updated	update	VERB
esutjss-178	70	10	talent	talent	NOUN
esutjss-178	70	11	practices	practice	NOUN
esutjss-178	70	12	and	and	CCONJ
esutjss-178	70	13	leadership	leadership	NOUN
esutjss-178	70	14	vision	vision	NOUN
esutjss-178	70	15	(	(	PUNCT
esutjss-178	70	16	kane	kane	PROPN
esutjss-178	70	17	et	et	PROPN
esutjss-178	70	18	al	al	PROPN
esutjss-178	70	19	.	.	PROPN
esutjss-178	70	20	,	,	PUNCT
esutjss-178	70	21	2021	2021	NUM
esutjss-178	70	22	;	;	PUNCT
esutjss-178	70	23	rao	rao	NOUN
esutjss-178	70	24	,	,	PUNCT
esutjss-178	70	25	2017	2017	NUM
esutjss-178	70	26	)	)	PUNCT
esutjss-178	70	27	.	.	PUNCT
esutjss-178	71	1	specific	specific	ADJ
esutjss-178	71	2	technical	technical	ADJ
esutjss-178	71	3	skills	skill	NOUN
esutjss-178	71	4	like	like	ADP
esutjss-178	71	5	data	datum	NOUN
esutjss-178	71	6	analytics	analytic	NOUN
esutjss-178	71	7	,	,	PUNCT
esutjss-178	71	8	ai	ai	ADJ
esutjss-178	71	9	/	/	SYM
esutjss-178	71	10	machine	machine	NOUN
esutjss-178	71	11	learning	learning	NOUN
esutjss-178	71	12	,	,	PUNCT
esutjss-178	71	13	user	user	NOUN
esutjss-178	71	14	experience	experience	NOUN
esutjss-178	71	15	design	design	NOUN
esutjss-178	71	16	and	and	CCONJ
esutjss-178	71	17	cloud	cloud	NOUN
esutjss-178	71	18	computing	computing	NOUN
esutjss-178	71	19	are	be	AUX
esutjss-178	71	20	becoming	become	VERB
esutjss-178	71	21	essential	essential	ADJ
esutjss-178	71	22	as	as	SCONJ
esutjss-178	71	23	insurers	insurer	NOUN
esutjss-178	71	24	pursue	pursue	VERB
esutjss-178	71	25	data	data	NOUN
esutjss-178	71	26	-	-	PUNCT
esutjss-178	71	27	driven	drive	VERB
esutjss-178	71	28	digital	digital	ADJ
esutjss-178	71	29	transformation	transformation	NOUN
esutjss-178	71	30	(	(	PUNCT
esutjss-178	71	31	hbr	hbr	PROPN
esutjss-178	71	32	analytic	analytic	PROPN
esutjss-178	71	33	services	service	NOUN
esutjss-178	71	34	,	,	PUNCT
esutjss-178	71	35	2021	2021	NUM
esutjss-178	71	36	;	;	PUNCT
esutjss-178	71	37	mckinsey	mckinsey	NOUN
esutjss-178	71	38	,	,	PUNCT
esutjss-178	71	39	2021	2021	NUM
esutjss-178	71	40	)	)	PUNCT
esutjss-178	71	41	.	.	PUNCT
esutjss-178	72	1	soft	soft	ADJ
esutjss-178	72	2	skills	skill	NOUN
esutjss-178	72	3	including	include	VERB
esutjss-178	72	4	adaptability	adaptability	NOUN
esutjss-178	72	5	,	,	PUNCT
esutjss-178	72	6	creative	creative	ADJ
esutjss-178	72	7	problem	problem	NOUN
esutjss-178	72	8	solving	solving	NOUN
esutjss-178	72	9	,	,	PUNCT
esutjss-178	72	10	empathy	empathy	NOUN
esutjss-178	72	11	and	and	CCONJ
esutjss-178	72	12	collaboration	collaboration	NOUN
esutjss-178	72	13	are	be	AUX
esutjss-178	72	14	equally	equally	ADV
esutjss-178	72	15	critical	critical	ADJ
esutjss-178	72	16	to	to	PART
esutjss-178	72	17	foster	foster	VERB
esutjss-178	72	18	an	an	DET
esutjss-178	72	19	agile	agile	ADJ
esutjss-178	72	20	,	,	PUNCT
esutjss-178	72	21	customercentric	customercentric	ADJ
esutjss-178	72	22	workforce	workforce	NOUN
esutjss-178	72	23	culture	culture	NOUN
esutjss-178	72	24	(	(	PUNCT
esutjss-178	72	25	rao	rao	PROPN
esutjss-178	72	26	,	,	PUNCT
esutjss-178	72	27	2017	2017	NUM
esutjss-178	72	28	;	;	PUNCT
esutjss-178	72	29	world	world	PROPN
esutjss-178	72	30	economic	economic	PROPN
esutjss-178	72	31	forum	forum	PROPN
esutjss-178	72	32	,	,	PUNCT
esutjss-178	72	33	2018	2018	NUM
esutjss-178	72	34	)	)	PUNCT
esutjss-178	72	35	.	.	PUNCT
esutjss-178	73	1	organizations	organization	NOUN
esutjss-178	73	2	also	also	ADV
esutjss-178	73	3	need	need	VERB
esutjss-178	73	4	managers	manager	NOUN
esutjss-178	73	5	able	able	ADJ
esutjss-178	73	6	to	to	PART
esutjss-178	73	7	direct	direct	VERB
esutjss-178	73	8	reskilling	reskille	VERB
esutjss-178	73	9	efforts	effort	NOUN
esutjss-178	73	10	and	and	CCONJ
esutjss-178	73	11	lead	lead	VERB
esutjss-178	73	12	amid	amid	ADP
esutjss-178	73	13	ambiguity	ambiguity	NOUN
esutjss-178	73	14	(	(	PUNCT
esutjss-178	73	15	rogers	roger	NOUN
esutjss-178	73	16	,	,	PUNCT
esutjss-178	73	17	2016	2016	NUM
esutjss-178	73	18	)	)	PUNCT
esutjss-178	73	19	.	.	PUNCT
esutjss-178	74	1	however	however	ADV
esutjss-178	74	2	,	,	PUNCT
esutjss-178	74	3	legacy	legacy	NOUN
esutjss-178	74	4	organizational	organizational	ADJ
esutjss-178	74	5	structures	structure	NOUN
esutjss-178	74	6	,	,	PUNCT
esutjss-178	74	7	dated	date	VERB
esutjss-178	74	8	talent	talent	NOUN
esutjss-178	74	9	practices	practice	NOUN
esutjss-178	74	10	and	and	CCONJ
esutjss-178	74	11	lack	lack	NOUN
esutjss-178	74	12	of	of	ADP
esutjss-178	74	13	systematic	systematic	ADJ
esutjss-178	74	14	reskilling	reskilling	NOUN
esutjss-178	74	15	often	often	ADV
esutjss-178	74	16	inhibit	inhibit	VERB
esutjss-178	74	17	workforce	workforce	NOUN
esutjss-178	74	18	evolution	evolution	NOUN
esutjss-178	74	19	(	(	PUNCT
esutjss-178	74	20	kane	kane	PROPN
esutjss-178	74	21	et	et	PROPN
esutjss-178	74	22	al	al	PROPN
esutjss-178	74	23	.	.	PROPN
esutjss-178	74	24	,	,	PUNCT
esutjss-178	74	25	2021	2021	NUM
esutjss-178	74	26	;	;	PUNCT
esutjss-178	74	27	rao	rao	NOUN
esutjss-178	74	28	,	,	PUNCT
esutjss-178	74	29	2017	2017	NUM
esutjss-178	74	30	)	)	PUNCT
esutjss-178	74	31	.	.	PUNCT
esutjss-178	75	1	firms	firm	NOUN
esutjss-178	75	2	must	must	AUX
esutjss-178	75	3	take	take	VERB
esutjss-178	75	4	a	a	DET
esutjss-178	75	5	proactive	proactive	ADJ
esutjss-178	75	6	approach	approach	NOUN
esutjss-178	75	7	,	,	PUNCT
esutjss-178	75	8	assessing	assess	VERB
esutjss-178	75	9	talent	talent	NOUN
esutjss-178	75	10	gaps	gap	NOUN
esutjss-178	75	11	,	,	PUNCT
esutjss-178	75	12	mapping	map	VERB
esutjss-178	75	13	new	new	ADJ
esutjss-178	75	14	skill	skill	NOUN
esutjss-178	75	15	requirements	requirement	NOUN
esutjss-178	75	16	,	,	PUNCT
esutjss-178	75	17	and	and	CCONJ
esutjss-178	75	18	investing	invest	VERB
esutjss-178	75	19	in	in	ADP
esutjss-178	75	20	upskilling	upskille	VERB
esutjss-178	75	21	70	70	NUM
esutjss-178	75	22	programs	program	NOUN
esutjss-178	75	23	at	at	ADP
esutjss-178	75	24	scale	scale	NOUN
esutjss-178	75	25	(	(	PUNCT
esutjss-178	75	26	capgemini	capgemini	NOUN
esutjss-178	75	27	,	,	PUNCT
esutjss-178	75	28	2020	2020	NUM
esutjss-178	75	29	;	;	PUNCT
esutjss-178	75	30	mckinsey	mckinsey	NOUN
esutjss-178	75	31	,	,	PUNCT
esutjss-178	75	32	2021	2021	NUM
esutjss-178	75	33	)	)	PUNCT
esutjss-178	75	34	.	.	PUNCT
esutjss-178	76	1	partnering	partner	VERB
esutjss-178	76	2	with	with	ADP
esutjss-178	76	3	educational	educational	ADJ
esutjss-178	76	4	institutions	institution	NOUN
esutjss-178	76	5	on	on	ADP
esutjss-178	76	6	curriculum	curriculum	NOUN
esutjss-178	76	7	and	and	CCONJ
esutjss-178	76	8	certification	certification	NOUN
esutjss-178	76	9	programs	program	NOUN
esutjss-178	76	10	can	can	AUX
esutjss-178	76	11	expand	expand	VERB
esutjss-178	76	12	talent	talent	NOUN
esutjss-178	76	13	pipelines	pipeline	NOUN
esutjss-178	76	14	(	(	PUNCT
esutjss-178	76	15	world	world	PROPN
esutjss-178	76	16	economic	economic	PROPN
esutjss-178	76	17	forum	forum	PROPN
esutjss-178	76	18	,	,	PUNCT
esutjss-178	76	19	2018	2018	NUM
esutjss-178	76	20	)	)	PUNCT
esutjss-178	76	21	.	.	PUNCT
esutjss-178	77	1	to	to	PART
esutjss-178	77	2	capitalize	capitalize	VERB
esutjss-178	77	3	on	on	ADP
esutjss-178	77	4	digital	digital	ADJ
esutjss-178	77	5	opportunities	opportunity	NOUN
esutjss-178	77	6	,	,	PUNCT
esutjss-178	77	7	insurance	insurance	NOUN
esutjss-178	77	8	leaders	leader	NOUN
esutjss-178	77	9	need	need	VERB
esutjss-178	77	10	to	to	PART
esutjss-178	77	11	elevate	elevate	VERB
esutjss-178	77	12	workforce	workforce	NOUN
esutjss-178	77	13	enablement	enablement	NOUN
esutjss-178	77	14	as	as	ADP
esutjss-178	77	15	a	a	DET
esutjss-178	77	16	top	top	ADJ
esutjss-178	77	17	strategic	strategic	ADJ
esutjss-178	77	18	priority	priority	NOUN
esutjss-178	77	19	.	.	PUNCT
esutjss-178	78	1	this	this	PRON
esutjss-178	78	2	includes	include	VERB
esutjss-178	78	3	cultural	cultural	ADJ
esutjss-178	78	4	change	change	NOUN
esutjss-178	78	5	programs	program	NOUN
esutjss-178	78	6	focused	focus	VERB
esutjss-178	78	7	on	on	ADP
esutjss-178	78	8	agility	agility	NOUN
esutjss-178	78	9	,	,	PUNCT
esutjss-178	78	10	innovation	innovation	NOUN
esutjss-178	78	11	and	and	CCONJ
esutjss-178	78	12	customer	customer	NOUN
esutjss-178	78	13	centricity	centricity	NOUN
esutjss-178	78	14	(	(	PUNCT
esutjss-178	78	15	rogers	roger	NOUN
esutjss-178	78	16	,	,	PUNCT
esutjss-178	78	17	2016	2016	NUM
esutjss-178	78	18	)	)	PUNCT
esutjss-178	78	19	.	.	PUNCT
esutjss-178	79	1	internal	internal	ADJ
esutjss-178	79	2	mobility	mobility	NOUN
esutjss-178	79	3	programs	program	NOUN
esutjss-178	79	4	,	,	PUNCT
esutjss-178	79	5	external	external	ADJ
esutjss-178	79	6	partnerships	partnership	NOUN
esutjss-178	79	7	,	,	PUNCT
esutjss-178	79	8	and	and	CCONJ
esutjss-178	79	9	modernized	modernize	VERB
esutjss-178	79	10	talent	talent	NOUN
esutjss-178	79	11	practices	practice	NOUN
esutjss-178	79	12	can	can	AUX
esutjss-178	79	13	also	also	ADV
esutjss-178	79	14	strengthen	strengthen	VERB
esutjss-178	79	15	access	access	NOUN
esutjss-178	79	16	to	to	ADP
esutjss-178	79	17	high	high	ADJ
esutjss-178	79	18	-	-	PUNCT
esutjss-178	79	19	demand	demand	NOUN
esutjss-178	79	20	digital	digital	ADJ
esutjss-178	79	21	skills	skill	NOUN
esutjss-178	79	22	(	(	PUNCT
esutjss-178	79	23	capgemini	capgemini	NOUN
esutjss-178	79	24	,	,	PUNCT
esutjss-178	79	25	2020	2020	NUM
esutjss-178	79	26	)	)	PUNCT
esutjss-178	79	27	.	.	PUNCT
esutjss-178	80	1	insurance	insurance	NOUN
esutjss-178	80	2	firms	firm	NOUN
esutjss-178	80	3	that	that	PRON
esutjss-178	80	4	put	put	VERB
esutjss-178	80	5	in	in	ADP
esutjss-178	80	6	place	place	NOUN
esutjss-178	80	7	integrated	integrate	VERB
esutjss-178	80	8	workforce	workforce	NOUN
esutjss-178	80	9	strategies	strategy	NOUN
esutjss-178	80	10	will	will	AUX
esutjss-178	80	11	gain	gain	VERB
esutjss-178	80	12	advantage	advantage	NOUN
esutjss-178	80	13	amid	amid	ADP
esutjss-178	80	14	digital	digital	ADJ
esutjss-178	80	15	disruption	disruption	NOUN
esutjss-178	80	16	(	(	PUNCT
esutjss-178	80	17	hbr	hbr	PROPN
esutjss-178	80	18	analytic	analytic	PROPN
esutjss-178	80	19	services	service	NOUN
esutjss-178	80	20	,	,	PUNCT
esutjss-178	80	21	2021	2021	NUM
esutjss-178	80	22	;	;	PUNCT
esutjss-178	80	23	rao	rao	NOUN
esutjss-178	80	24	,	,	PUNCT
esutjss-178	80	25	2017	2017	NUM
esutjss-178	80	26	)	)	PUNCT
esutjss-178	80	27	.	.	PUNCT
esutjss-178	81	1	the	the	DET
esutjss-178	81	2	future	future	NOUN
esutjss-178	81	3	will	will	AUX
esutjss-178	81	4	be	be	AUX
esutjss-178	81	5	determined	determine	VERB
esutjss-178	81	6	by	by	ADP
esutjss-178	81	7	those	those	DET
esutjss-178	81	8	insurers	insurer	NOUN
esutjss-178	81	9	able	able	ADJ
esutjss-178	81	10	to	to	PART
esutjss-178	81	11	unlock	unlock	VERB
esutjss-178	81	12	their	their	PRON
esutjss-178	81	13	people	people	NOUN
esutjss-178	81	14	’s	’s	PART
esutjss-178	81	15	full	full	ADJ
esutjss-178	81	16	potential	potential	NOUN
esutjss-178	81	17	.	.	PUNCT
esutjss-178	82	1	skills	skill	NOUN
esutjss-178	82	2	and	and	CCONJ
esutjss-178	82	3	workforce	workforce	NOUN
esutjss-178	82	4	requirements	requirement	NOUN
esutjss-178	82	5	of	of	ADP
esutjss-178	82	6	the	the	DET
esutjss-178	82	7	insurance	insurance	NOUN
esutjss-178	82	8	industry	industry	NOUN
esutjss-178	82	9	data	datum	NOUN
esutjss-178	82	10	analytics	analytic	NOUN
esutjss-178	82	11	is	be	AUX
esutjss-178	82	12	the	the	DET
esutjss-178	82	13	process	process	NOUN
esutjss-178	82	14	of	of	ADP
esutjss-178	82	15	extracting	extract	VERB
esutjss-178	82	16	valuable	valuable	ADJ
esutjss-178	82	17	insights	insight	NOUN
esutjss-178	82	18	from	from	ADP
esutjss-178	82	19	large	large	ADJ
esutjss-178	82	20	volumes	volume	NOUN
esutjss-178	82	21	of	of	ADP
esutjss-178	82	22	data	datum	NOUN
esutjss-178	82	23	using	use	VERB
esutjss-178	82	24	statistical	statistical	ADJ
esutjss-178	82	25	techniques	technique	NOUN
esutjss-178	82	26	,	,	PUNCT
esutjss-178	82	27	algorithms	algorithm	NOUN
esutjss-178	82	28	,	,	PUNCT
esutjss-178	82	29	and	and	CCONJ
esutjss-178	82	30	tools	tool	NOUN
esutjss-178	82	31	.	.	PUNCT
esutjss-178	83	1	by	by	ADP
esutjss-178	83	2	uncovering	uncover	VERB
esutjss-178	83	3	patterns	pattern	NOUN
esutjss-178	83	4	,	,	PUNCT
esutjss-178	83	5	trends	trend	NOUN
esutjss-178	83	6	,	,	PUNCT
esutjss-178	83	7	and	and	CCONJ
esutjss-178	83	8	correlations	correlation	NOUN
esutjss-178	83	9	,	,	PUNCT
esutjss-178	83	10	organizations	organization	NOUN
esutjss-178	83	11	can	can	AUX
esutjss-178	83	12	make	make	VERB
esutjss-178	83	13	data	data	NOUN
esutjss-178	83	14	-	-	PUNCT
esutjss-178	83	15	driven	drive	VERB
esutjss-178	83	16	decisions	decision	NOUN
esutjss-178	83	17	,	,	PUNCT
esutjss-178	83	18	optimize	optimize	NOUN
esutjss-178	83	19	processes	process	NOUN
esutjss-178	83	20	,	,	PUNCT
esutjss-178	83	21	and	and	CCONJ
esutjss-178	83	22	gain	gain	VERB
esutjss-178	83	23	a	a	DET
esutjss-178	83	24	competitive	competitive	ADJ
esutjss-178	83	25	advantage	advantage	NOUN
esutjss-178	83	26	in	in	ADP
esutjss-178	83	27	the	the	DET
esutjss-178	83	28	market	market	NOUN
esutjss-178	83	29	(	(	PUNCT
esutjss-178	83	30	smith	smith	PROPN
esutjss-178	83	31	,	,	PUNCT
esutjss-178	83	32	2020	2020	NUM
esutjss-178	83	33	)	)	PUNCT
esutjss-178	83	34	.	.	PUNCT
esutjss-178	84	1	artificial	artificial	ADJ
esutjss-178	84	2	intelligence	intelligence	NOUN
esutjss-178	84	3	(	(	PUNCT
esutjss-178	84	4	ai	ai	PROPN
esutjss-178	84	5	)	)	PUNCT
esutjss-178	84	6	is	be	AUX
esutjss-178	84	7	a	a	DET
esutjss-178	84	8	field	field	NOUN
esutjss-178	84	9	of	of	ADP
esutjss-178	84	10	computer	computer	NOUN
esutjss-178	84	11	science	science	NOUN
esutjss-178	84	12	that	that	PRON
esutjss-178	84	13	focuses	focus	VERB
esutjss-178	84	14	on	on	ADP
esutjss-178	84	15	creating	create	VERB
esutjss-178	84	16	intelligent	intelligent	ADJ
esutjss-178	84	17	machines	machine	NOUN
esutjss-178	84	18	capable	capable	ADJ
esutjss-178	84	19	of	of	ADP
esutjss-178	84	20	performing	perform	VERB
esutjss-178	84	21	tasks	task	NOUN
esutjss-178	84	22	that	that	PRON
esutjss-178	84	23	typically	typically	ADV
esutjss-178	84	24	require	require	VERB
esutjss-178	84	25	human	human	ADJ
esutjss-178	84	26	intelligence	intelligence	NOUN
esutjss-178	84	27	(	(	PUNCT
esutjss-178	84	28	alli	alli	PROPN
esutjss-178	84	29	,	,	PUNCT
esutjss-178	84	30	ganiyu	ganiyu	PROPN
esutjss-178	84	31	&	&	CCONJ
esutjss-178	84	32	aina	aina	PROPN
esutjss-178	84	33	,	,	PUNCT
esutjss-178	84	34	2020	2020	NUM
esutjss-178	84	35	)	)	PUNCT
esutjss-178	84	36	.	.	PUNCT
esutjss-178	85	1	it	it	PRON
esutjss-178	85	2	encompasses	encompass	VERB
esutjss-178	85	3	subfields	subfield	NOUN
esutjss-178	85	4	such	such	ADJ
esutjss-178	85	5	as	as	ADP
esutjss-178	85	6	natural	natural	ADJ
esutjss-178	85	7	language	language	NOUN
esutjss-178	85	8	processing	processing	NOUN
esutjss-178	85	9	,	,	PUNCT
esutjss-178	85	10	computer	computer	NOUN
esutjss-178	85	11	vision	vision	NOUN
esutjss-178	85	12	,	,	PUNCT
esutjss-178	85	13	and	and	CCONJ
esutjss-178	85	14	expert	expert	NOUN
esutjss-178	85	15	systems	system	NOUN
esutjss-178	85	16	.	.	PUNCT
esutjss-178	86	1	ai	ai	VERB
esutjss-178	86	2	finds	find	VERB
esutjss-178	86	3	applications	application	NOUN
esutjss-178	86	4	in	in	ADP
esutjss-178	86	5	various	various	ADJ
esutjss-178	86	6	domains	domain	NOUN
esutjss-178	86	7	,	,	PUNCT
esutjss-178	86	8	including	include	VERB
esutjss-178	86	9	healthcare	healthcare	NOUN
esutjss-178	86	10	,	,	PUNCT
esutjss-178	86	11	finance	finance	NOUN
esutjss-178	86	12	,	,	PUNCT
esutjss-178	86	13	and	and	CCONJ
esutjss-178	86	14	manufacturing	manufacturing	NOUN
esutjss-178	86	15	,	,	PUNCT
esutjss-178	86	16	enabling	enable	VERB
esutjss-178	86	17	automation	automation	NOUN
esutjss-178	86	18	,	,	PUNCT
esutjss-178	86	19	predictive	predictive	ADJ
esutjss-178	86	20	analytics	analytic	NOUN
esutjss-178	86	21	,	,	PUNCT
esutjss-178	86	22	and	and	CCONJ
esutjss-178	86	23	personalized	personalized	ADJ
esutjss-178	86	24	experiences	experience	NOUN
esutjss-178	86	25	(	(	PUNCT
esutjss-178	86	26	johnson	johnson	PROPN
esutjss-178	86	27	et	et	PROPN
esutjss-178	86	28	al	al	PROPN
esutjss-178	86	29	.	.	PROPN
esutjss-178	86	30	,	,	PUNCT
esutjss-178	86	31	2021	2021	NUM
esutjss-178	86	32	)	)	PUNCT
esutjss-178	86	33	.	.	PUNCT
esutjss-178	87	1	machine	machine	NOUN
esutjss-178	87	2	learning	learning	NOUN
esutjss-178	87	3	(	(	PUNCT
esutjss-178	87	4	ml	ml	NOUN
esutjss-178	87	5	)	)	PUNCT
esutjss-178	87	6	is	be	AUX
esutjss-178	87	7	a	a	DET
esutjss-178	87	8	subset	subset	NOUN
esutjss-178	87	9	of	of	ADP
esutjss-178	87	10	ai	ai	NOUN
esutjss-178	87	11	that	that	PRON
esutjss-178	87	12	enables	enable	VERB
esutjss-178	87	13	computers	computer	NOUN
esutjss-178	87	14	to	to	PART
esutjss-178	87	15	learn	learn	VERB
esutjss-178	87	16	from	from	ADP
esutjss-178	87	17	data	datum	NOUN
esutjss-178	87	18	without	without	ADP
esutjss-178	87	19	explicit	explicit	ADJ
esutjss-178	87	20	programming	programming	NOUN
esutjss-178	87	21	.	.	PUNCT
esutjss-178	88	1	ml	ml	PROPN
esutjss-178	88	2	algorithms	algorithms	PROPN
esutjss-178	88	3	automatically	automatically	ADV
esutjss-178	88	4	improve	improve	VERB
esutjss-178	88	5	their	their	PRON
esutjss-178	88	6	performance	performance	NOUN
esutjss-178	88	7	through	through	ADP
esutjss-178	88	8	experience	experience	NOUN
esutjss-178	88	9	,	,	PUNCT
esutjss-178	88	10	making	make	VERB
esutjss-178	88	11	them	they	PRON
esutjss-178	88	12	suitable	suitable	ADJ
esutjss-178	88	13	for	for	ADP
esutjss-178	88	14	tasks	task	NOUN
esutjss-178	88	15	such	such	ADJ
esutjss-178	88	16	as	as	ADP
esutjss-178	88	17	fraud	fraud	NOUN
esutjss-178	88	18	detection	detection	NOUN
esutjss-178	88	19	,	,	PUNCT
esutjss-178	88	20	recommendation	recommendation	NOUN
esutjss-178	88	21	systems	system	NOUN
esutjss-178	88	22	,	,	PUNCT
esutjss-178	88	23	and	and	CCONJ
esutjss-178	88	24	image	image	NOUN
esutjss-178	88	25	recognition	recognition	NOUN
esutjss-178	88	26	(	(	PUNCT
esutjss-178	88	27	mitchell	mitchell	PROPN
esutjss-178	88	28	,	,	PUNCT
esutjss-178	88	29	2020	2020	NUM
esutjss-178	88	30	)	)	PUNCT
esutjss-178	88	31	.	.	PUNCT
esutjss-178	89	1	digital	digital	ADJ
esutjss-178	89	2	marketing	marketing	NOUN
esutjss-178	89	3	involves	involve	VERB
esutjss-178	89	4	using	use	VERB
esutjss-178	89	5	digital	digital	ADJ
esutjss-178	89	6	channels	channel	NOUN
esutjss-178	89	7	like	like	ADP
esutjss-178	89	8	websites	website	NOUN
esutjss-178	89	9	,	,	PUNCT
esutjss-178	89	10	social	social	ADJ
esutjss-178	89	11	media	medium	NOUN
esutjss-178	89	12	,	,	PUNCT
esutjss-178	89	13	and	and	CCONJ
esutjss-178	89	14	search	search	NOUN
esutjss-178	89	15	engines	engine	NOUN
esutjss-178	89	16	to	to	PART
esutjss-178	89	17	promote	promote	VERB
esutjss-178	89	18	products	product	NOUN
esutjss-178	89	19	and	and	CCONJ
esutjss-178	89	20	services	service	NOUN
esutjss-178	89	21	.	.	PUNCT
esutjss-178	90	1	by	by	ADP
esutjss-178	90	2	leveraging	leverage	VERB
esutjss-178	90	3	data	datum	NOUN
esutjss-178	90	4	analytics	analytic	NOUN
esutjss-178	90	5	and	and	CCONJ
esutjss-178	90	6	ai	ai	VERB
esutjss-178	90	7	,	,	PUNCT
esutjss-178	90	8	organizations	organization	NOUN
esutjss-178	90	9	can	can	AUX
esutjss-178	90	10	target	target	VERB
esutjss-178	90	11	specific	specific	ADJ
esutjss-178	90	12	audiences	audience	NOUN
esutjss-178	90	13	,	,	PUNCT
esutjss-178	90	14	personalize	personalize	VERB
esutjss-178	90	15	marketing	marketing	NOUN
esutjss-178	90	16	campaigns	campaign	NOUN
esutjss-178	90	17	,	,	PUNCT
esutjss-178	90	18	and	and	CCONJ
esutjss-178	90	19	measure	measure	VERB
esutjss-178	90	20	their	their	PRON
esutjss-178	90	21	effectiveness	effectiveness	NOUN
esutjss-178	90	22	.	.	PUNCT
esutjss-178	91	1	digital	digital	ADJ
esutjss-178	91	2	marketing	marketing	NOUN
esutjss-178	91	3	has	have	AUX
esutjss-178	91	4	become	become	VERB
esutjss-178	91	5	an	an	DET
esutjss-178	91	6	essential	essential	ADJ
esutjss-178	91	7	component	component	NOUN
esutjss-178	91	8	of	of	ADP
esutjss-178	91	9	modern	modern	ADJ
esutjss-178	91	10	business	business	NOUN
esutjss-178	91	11	strategies	strategy	NOUN
esutjss-178	91	12	(	(	PUNCT
esutjss-178	91	13	chaffey	chaffey	PROPN
esutjss-178	91	14	&	&	CCONJ
esutjss-178	91	15	ellis	ellis	PROPN
esutjss-178	91	16	-	-	PROPN
esutjss-178	91	17	chadwick	chadwick	PROPN
esutjss-178	91	18	,	,	PUNCT
esutjss-178	91	19	2020	2020	NUM
esutjss-178	91	20	)	)	PUNCT
esutjss-178	91	21	.	.	PUNCT
esutjss-178	92	1	customer	customer	NOUN
esutjss-178	92	2	relationship	relationship	NOUN
esutjss-178	92	3	management	management	NOUN
esutjss-178	92	4	(	(	PUNCT
esutjss-178	92	5	crm	crm	NOUN
esutjss-178	92	6	)	)	PUNCT
esutjss-178	92	7	encompasses	encompass	VERB
esutjss-178	92	8	practices	practice	NOUN
esutjss-178	92	9	,	,	PUNCT
esutjss-178	92	10	strategies	strategy	NOUN
esutjss-178	92	11	,	,	PUNCT
esutjss-178	92	12	and	and	CCONJ
esutjss-178	92	13	technologies	technology	NOUN
esutjss-178	92	14	used	use	VERB
esutjss-178	92	15	to	to	PART
esutjss-178	92	16	manage	manage	VERB
esutjss-178	92	17	and	and	CCONJ
esutjss-178	92	18	analyze	analyze	VERB
esutjss-178	92	19	customer	customer	NOUN
esutjss-178	92	20	interactions	interaction	NOUN
esutjss-178	92	21	and	and	CCONJ
esutjss-178	92	22	data	datum	NOUN
esutjss-178	92	23	throughout	throughout	ADP
esutjss-178	92	24	the	the	DET
esutjss-178	92	25	customer	customer	NOUN
esutjss-178	92	26	lifecycle	lifecycle	NOUN
esutjss-178	92	27	.	.	PUNCT
esutjss-178	93	1	crm	crm	PROPN
esutjss-178	93	2	aims	aim	VERB
esutjss-178	93	3	to	to	PART
esutjss-178	93	4	enhance	enhance	VERB
esutjss-178	93	5	customer	customer	NOUN
esutjss-178	93	6	satisfaction	satisfaction	NOUN
esutjss-178	93	7	,	,	PUNCT
esutjss-178	93	8	loyalty	loyalty	NOUN
esutjss-178	93	9	,	,	PUNCT
esutjss-178	93	10	and	and	CCONJ
esutjss-178	93	11	retention	retention	NOUN
esutjss-178	93	12	by	by	ADP
esutjss-178	93	13	providing	provide	VERB
esutjss-178	93	14	personalized	personalized	ADJ
esutjss-178	93	15	experiences	experience	NOUN
esutjss-178	93	16	and	and	CCONJ
esutjss-178	93	17	targeted	target	VERB
esutjss-178	93	18	marketing	marketing	NOUN
esutjss-178	93	19	efforts	effort	NOUN
esutjss-178	93	20	(	(	PUNCT
esutjss-178	93	21	payne	payne	PROPN
esutjss-178	93	22	&	&	CCONJ
esutjss-178	93	23	frow	frow	PROPN
esutjss-178	93	24	,	,	PUNCT
esutjss-178	93	25	2020	2020	NUM
esutjss-178	93	26	)	)	PUNCT
esutjss-178	93	27	.	.	PUNCT
esutjss-178	94	1	cyber	cyber	PROPN
esutjss-178	94	2	security	security	NOUN
esutjss-178	94	3	involves	involve	VERB
esutjss-178	94	4	protecting	protect	VERB
esutjss-178	94	5	computer	computer	NOUN
esutjss-178	94	6	systems	system	NOUN
esutjss-178	94	7	,	,	PUNCT
esutjss-178	94	8	networks	network	NOUN
esutjss-178	94	9	,	,	PUNCT
esutjss-178	94	10	and	and	CCONJ
esutjss-178	94	11	data	datum	NOUN
esutjss-178	94	12	from	from	ADP
esutjss-178	94	13	unauthorized	unauthorized	ADJ
esutjss-178	94	14	access	access	NOUN
esutjss-178	94	15	,	,	PUNCT
esutjss-178	94	16	damage	damage	NOUN
esutjss-178	94	17	,	,	PUNCT
esutjss-178	94	18	or	or	CCONJ
esutjss-178	94	19	theft	theft	NOUN
esutjss-178	94	20	.	.	PUNCT
esutjss-178	95	1	with	with	ADP
esutjss-178	95	2	the	the	DET
esutjss-178	95	3	increasing	increase	VERB
esutjss-178	95	4	reliance	reliance	NOUN
esutjss-178	95	5	on	on	ADP
esutjss-178	95	6	digital	digital	ADJ
esutjss-178	95	7	technologies	technology	NOUN
esutjss-178	95	8	,	,	PUNCT
esutjss-178	95	9	organizations	organization	NOUN
esutjss-178	95	10	face	face	VERB
esutjss-178	95	11	growing	grow	VERB
esutjss-178	95	12	threats	threat	NOUN
esutjss-178	95	13	from	from	ADP
esutjss-178	95	14	cybercriminals	cybercriminal	NOUN
esutjss-178	95	15	.	.	PUNCT
esutjss-178	96	1	effective	effective	ADJ
esutjss-178	96	2	cyber	cyber	ADJ
esutjss-178	96	3	security	security	NOUN
esutjss-178	96	4	measures	measure	NOUN
esutjss-178	96	5	,	,	PUNCT
esutjss-178	96	6	including	include	VERB
esutjss-178	96	7	encryption	encryption	NOUN
esutjss-178	96	8	,	,	PUNCT
esutjss-178	96	9	intrusion	intrusion	NOUN
esutjss-178	96	10	detection	detection	NOUN
esutjss-178	96	11	systems	system	NOUN
esutjss-178	96	12	,	,	PUNCT
esutjss-178	96	13	and	and	CCONJ
esutjss-178	96	14	employee	employee	NOUN
esutjss-178	96	15	training	training	NOUN
esutjss-178	96	16	,	,	PUNCT
esutjss-178	96	17	are	be	AUX
esutjss-178	96	18	crucial	crucial	ADJ
esutjss-178	96	19	to	to	ADP
esutjss-178	96	20	safeguarding	safeguard	VERB
esutjss-178	96	21	sensitive	sensitive	ADJ
esutjss-178	96	22	information	information	NOUN
esutjss-178	96	23	(	(	PUNCT
esutjss-178	96	24	dhillon	dhillon	PROPN
esutjss-178	96	25	&	&	CCONJ
esutjss-178	96	26	moores	moore	NOUN
esutjss-178	96	27	,	,	PUNCT
esutjss-178	96	28	2020	2020	NUM
esutjss-178	96	29	)	)	PUNCT
esutjss-178	96	30	.	.	PUNCT
esutjss-178	97	1	cloud	cloud	PROPN
esutjss-178	97	2	computing	computing	PROPN
esutjss-178	97	3	refers	refer	VERB
esutjss-178	97	4	to	to	ADP
esutjss-178	97	5	the	the	DET
esutjss-178	97	6	delivery	delivery	NOUN
esutjss-178	97	7	of	of	ADP
esutjss-178	97	8	computing	computing	NOUN
esutjss-178	97	9	services	service	NOUN
esutjss-178	97	10	,	,	PUNCT
esutjss-178	97	11	such	such	ADJ
esutjss-178	97	12	as	as	ADP
esutjss-178	97	13	storage	storage	NOUN
esutjss-178	97	14	,	,	PUNCT
esutjss-178	97	15	processing	processing	NOUN
esutjss-178	97	16	power	power	NOUN
esutjss-178	97	17	,	,	PUNCT
esutjss-178	97	18	and	and	CCONJ
esutjss-178	97	19	software	software	NOUN
esutjss-178	97	20	,	,	PUNCT
esutjss-178	97	21	over	over	ADP
esutjss-178	97	22	the	the	DET
esutjss-178	97	23	internet	internet	NOUN
esutjss-178	97	24	.	.	PUNCT
esutjss-178	98	1	it	it	PRON
esutjss-178	98	2	offers	offer	VERB
esutjss-178	98	3	scalability	scalability	NOUN
esutjss-178	98	4	,	,	PUNCT
esutjss-178	98	5	flexibility	flexibility	NOUN
esutjss-178	98	6	,	,	PUNCT
esutjss-178	98	7	and	and	CCONJ
esutjss-178	98	8	cost	cost	NOUN
esutjss-178	98	9	-	-	PUNCT
esutjss-178	98	10	efficiency	efficiency	NOUN
esutjss-178	98	11	,	,	PUNCT
esutjss-178	98	12	enabling	enable	VERB
esutjss-178	98	13	organizations	organization	NOUN
esutjss-178	98	14	to	to	PART
esutjss-178	98	15	access	access	VERB
esutjss-178	98	16	resources	resource	NOUN
esutjss-178	98	17	on	on	ADP
esutjss-178	98	18	-	-	PUNCT
esutjss-178	98	19	demand	demand	NOUN
esutjss-178	98	20	.	.	PUNCT
esutjss-178	99	1	cloud	cloud	NOUN
esutjss-178	99	2	computing	computing	NOUN
esutjss-178	99	3	has	have	AUX
esutjss-178	99	4	transformed	transform	VERB
esutjss-178	99	5	the	the	DET
esutjss-178	99	6	71	71	NUM
esutjss-178	99	7	way	way	NOUN
esutjss-178	99	8	businesses	business	NOUN
esutjss-178	99	9	operate	operate	VERB
esutjss-178	99	10	,	,	PUNCT
esutjss-178	99	11	facilitating	facilitate	VERB
esutjss-178	99	12	remote	remote	ADJ
esutjss-178	99	13	work	work	NOUN
esutjss-178	99	14	,	,	PUNCT
esutjss-178	99	15	collaboration	collaboration	NOUN
esutjss-178	99	16	,	,	PUNCT
esutjss-178	99	17	and	and	CCONJ
esutjss-178	99	18	data	datum	NOUN
esutjss-178	99	19	storage	storage	NOUN
esutjss-178	99	20	(	(	PUNCT
esutjss-178	99	21	marston	marston	PROPN
esutjss-178	99	22	et	et	PROPN
esutjss-178	99	23	al	al	PROPN
esutjss-178	99	24	.	.	PROPN
esutjss-178	99	25	,	,	PUNCT
esutjss-178	99	26	2020	2020	NUM
esutjss-178	99	27	)	)	PUNCT
esutjss-178	99	28	.	.	PUNCT
esutjss-178	100	1	agile	agile	ADJ
esutjss-178	100	2	development	development	NOUN
esutjss-178	100	3	is	be	AUX
esutjss-178	100	4	an	an	DET
esutjss-178	100	5	iterative	iterative	NOUN
esutjss-178	100	6	and	and	CCONJ
esutjss-178	100	7	collaborative	collaborative	ADJ
esutjss-178	100	8	approach	approach	NOUN
esutjss-178	100	9	to	to	ADP
esutjss-178	100	10	software	software	NOUN
esutjss-178	100	11	development	development	NOUN
esutjss-178	100	12	.	.	PUNCT
esutjss-178	101	1	it	it	PRON
esutjss-178	101	2	emphasizes	emphasize	VERB
esutjss-178	101	3	flexibility	flexibility	NOUN
esutjss-178	101	4	,	,	PUNCT
esutjss-178	101	5	adaptability	adaptability	NOUN
esutjss-178	101	6	,	,	PUNCT
esutjss-178	101	7	and	and	CCONJ
esutjss-178	101	8	customer	customer	NOUN
esutjss-178	101	9	involvement	involvement	NOUN
esutjss-178	101	10	throughout	throughout	ADP
esutjss-178	101	11	the	the	DET
esutjss-178	101	12	development	development	NOUN
esutjss-178	101	13	process	process	NOUN
esutjss-178	101	14	.	.	PUNCT
esutjss-178	102	1	agile	agile	ADJ
esutjss-178	102	2	methodologies	methodology	NOUN
esutjss-178	102	3	like	like	ADP
esutjss-178	102	4	scrum	scrum	NOUN
esutjss-178	102	5	and	and	CCONJ
esutjss-178	102	6	kanban	kanban	NOUN
esutjss-178	102	7	enable	enable	ADJ
esutjss-178	102	8	organizations	organization	NOUN
esutjss-178	102	9	to	to	PART
esutjss-178	102	10	deliver	deliver	VERB
esutjss-178	102	11	high	high	ADJ
esutjss-178	102	12	-	-	PUNCT
esutjss-178	102	13	quality	quality	NOUN
esutjss-178	102	14	software	software	NOUN
esutjss-178	102	15	products	product	NOUN
esutjss-178	102	16	faster	fast	ADV
esutjss-178	102	17	and	and	CCONJ
esutjss-178	102	18	respond	respond	VERB
esutjss-178	102	19	to	to	ADP
esutjss-178	102	20	changing	change	VERB
esutjss-178	102	21	requirements	requirement	NOUN
esutjss-178	102	22	(	(	PUNCT
esutjss-178	102	23	sutherland	sutherland	PROPN
esutjss-178	102	24	et	et	PROPN
esutjss-178	102	25	al	al	PROPN
esutjss-178	102	26	.	.	PROPN
esutjss-178	102	27	,	,	PUNCT
esutjss-178	102	28	2020	2020	NUM
esutjss-178	102	29	)	)	PUNCT
esutjss-178	102	30	.	.	PUNCT
esutjss-178	103	1	user	user	NOUN
esutjss-178	103	2	experience	experience	PROPN
esutjss-178	103	3	design	design	PROPN
esutjss-178	103	4	(	(	PUNCT
esutjss-178	103	5	ux	ux	NOUN
esutjss-178	103	6	)	)	PUNCT
esutjss-178	103	7	focuses	focus	VERB
esutjss-178	103	8	on	on	ADP
esutjss-178	103	9	enhancing	enhance	VERB
esutjss-178	103	10	user	user	NOUN
esutjss-178	103	11	satisfaction	satisfaction	NOUN
esutjss-178	103	12	by	by	ADP
esutjss-178	103	13	improving	improve	VERB
esutjss-178	103	14	the	the	DET
esutjss-178	103	15	usability	usability	NOUN
esutjss-178	103	16	,	,	PUNCT
esutjss-178	103	17	accessibility	accessibility	NOUN
esutjss-178	103	18	,	,	PUNCT
esutjss-178	103	19	and	and	CCONJ
esutjss-178	103	20	pleasure	pleasure	NOUN
esutjss-178	103	21	provided	provide	VERB
esutjss-178	103	22	in	in	ADP
esutjss-178	103	23	the	the	DET
esutjss-178	103	24	interaction	interaction	NOUN
esutjss-178	103	25	between	between	ADP
esutjss-178	103	26	users	user	NOUN
esutjss-178	103	27	and	and	CCONJ
esutjss-178	103	28	products	product	NOUN
esutjss-178	103	29	.	.	PUNCT
esutjss-178	104	1	it	it	PRON
esutjss-178	104	2	involves	involve	VERB
esutjss-178	104	3	understanding	understand	VERB
esutjss-178	104	4	user	user	NOUN
esutjss-178	104	5	needs	need	NOUN
esutjss-178	104	6	,	,	PUNCT
esutjss-178	104	7	conducting	conduct	VERB
esutjss-178	104	8	user	user	NOUN
esutjss-178	104	9	research	research	NOUN
esutjss-178	104	10	,	,	PUNCT
esutjss-178	104	11	and	and	CCONJ
esutjss-178	104	12	designing	design	VERB
esutjss-178	104	13	intuitive	intuitive	ADJ
esutjss-178	104	14	interfaces	interface	NOUN
esutjss-178	104	15	.	.	PUNCT
esutjss-178	105	1	ux	ux	PROPN
esutjss-178	105	2	design	design	NOUN
esutjss-178	105	3	plays	play	VERB
esutjss-178	105	4	a	a	DET
esutjss-178	105	5	crucial	crucial	ADJ
esutjss-178	105	6	role	role	NOUN
esutjss-178	105	7	in	in	ADP
esutjss-178	105	8	creating	create	VERB
esutjss-178	105	9	user	user	NOUN
esutjss-178	105	10	-	-	PUNCT
esutjss-178	105	11	centric	centric	ADJ
esutjss-178	105	12	digital	digital	ADJ
esutjss-178	105	13	experiences	experience	NOUN
esutjss-178	105	14	(	(	PUNCT
esutjss-178	105	15	norman	norman	NOUN
esutjss-178	105	16	,	,	PUNCT
esutjss-178	105	17	2020	2020	NUM
esutjss-178	105	18	)	)	PUNCT
esutjss-178	105	19	.	.	PUNCT
esutjss-178	106	1	business	business	NOUN
esutjss-178	106	2	intelligence	intelligence	PROPN
esutjss-178	106	3	(	(	PUNCT
esutjss-178	106	4	bi	bi	NOUN
esutjss-178	106	5	)	)	PUNCT
esutjss-178	106	6	encompasses	encompass	VERB
esutjss-178	106	7	technologies	technology	NOUN
esutjss-178	106	8	,	,	PUNCT
esutjss-178	106	9	applications	application	NOUN
esutjss-178	106	10	,	,	PUNCT
esutjss-178	106	11	and	and	CCONJ
esutjss-178	106	12	practices	practice	NOUN
esutjss-178	106	13	used	use	VERB
esutjss-178	106	14	to	to	PART
esutjss-178	106	15	collect	collect	VERB
esutjss-178	106	16	,	,	PUNCT
esutjss-178	106	17	analyze	analyze	VERB
esutjss-178	106	18	,	,	PUNCT
esutjss-178	106	19	and	and	CCONJ
esutjss-178	106	20	present	present	ADJ
esutjss-178	106	21	business	business	NOUN
esutjss-178	106	22	information	information	NOUN
esutjss-178	106	23	.	.	PUNCT
esutjss-178	107	1	it	it	PRON
esutjss-178	107	2	enables	enable	VERB
esutjss-178	107	3	organizations	organization	NOUN
esutjss-178	107	4	to	to	PART
esutjss-178	107	5	gain	gain	VERB
esutjss-178	107	6	insights	insight	NOUN
esutjss-178	107	7	into	into	ADP
esutjss-178	107	8	their	their	PRON
esutjss-178	107	9	operations	operation	NOUN
esutjss-178	107	10	,	,	PUNCT
esutjss-178	107	11	identify	identify	VERB
esutjss-178	107	12	trends	trend	NOUN
esutjss-178	107	13	,	,	PUNCT
esutjss-178	107	14	and	and	CCONJ
esutjss-178	107	15	make	make	VERB
esutjss-178	107	16	informed	informed	ADJ
esutjss-178	107	17	decisions	decision	NOUN
esutjss-178	107	18	.	.	PUNCT
esutjss-178	108	1	bi	bi	ADJ
esutjss-178	108	2	tools	tool	NOUN
esutjss-178	108	3	like	like	ADP
esutjss-178	108	4	dashboards	dashboard	NOUN
esutjss-178	108	5	and	and	CCONJ
esutjss-178	108	6	data	datum	NOUN
esutjss-178	108	7	visualization	visualization	NOUN
esutjss-178	108	8	software	software	NOUN
esutjss-178	108	9	facilitate	facilitate	NOUN
esutjss-178	108	10	data	data	NOUN
esutjss-178	108	11	-	-	PUNCT
esutjss-178	108	12	driven	drive	VERB
esutjss-178	108	13	decision	decision	NOUN
esutjss-178	108	14	-	-	PUNCT
esutjss-178	108	15	making	making	NOUN
esutjss-178	108	16	(	(	PUNCT
esutjss-178	108	17	loshin	loshin	ADJ
esutjss-178	108	18	,	,	PUNCT
esutjss-178	108	19	2020	2020	NUM
esutjss-178	108	20	)	)	PUNCT
esutjss-178	108	21	.	.	PUNCT
esutjss-178	109	1	data	datum	NOUN
esutjss-178	109	2	visualization	visualization	NOUN
esutjss-178	109	3	involves	involve	VERB
esutjss-178	109	4	representing	represent	VERB
esutjss-178	109	5	data	datum	NOUN
esutjss-178	109	6	graphically	graphically	ADV
esutjss-178	109	7	to	to	PART
esutjss-178	109	8	facilitate	facilitate	VERB
esutjss-178	109	9	understanding	understanding	NOUN
esutjss-178	109	10	and	and	CCONJ
esutjss-178	109	11	analysis	analysis	NOUN
esutjss-178	109	12	.	.	PUNCT
esutjss-178	110	1	it	it	PRON
esutjss-178	110	2	transforms	transform	VERB
esutjss-178	110	3	complex	complex	ADJ
esutjss-178	110	4	datasets	dataset	NOUN
esutjss-178	110	5	into	into	ADP
esutjss-178	110	6	visual	visual	ADJ
esutjss-178	110	7	formats	format	NOUN
esutjss-178	110	8	like	like	ADP
esutjss-178	110	9	charts	chart	NOUN
esutjss-178	110	10	,	,	PUNCT
esutjss-178	110	11	graphs	graph	NOUN
esutjss-178	110	12	,	,	PUNCT
esutjss-178	110	13	and	and	CCONJ
esutjss-178	110	14	maps	map	NOUN
esutjss-178	110	15	,	,	PUNCT
esutjss-178	110	16	enabling	enable	VERB
esutjss-178	110	17	users	user	NOUN
esutjss-178	110	18	to	to	PART
esutjss-178	110	19	identify	identify	VERB
esutjss-178	110	20	patterns	pattern	NOUN
esutjss-178	110	21	and	and	CCONJ
esutjss-178	110	22	trends	trend	NOUN
esutjss-178	110	23	more	more	ADV
esutjss-178	110	24	easily	easily	ADV
esutjss-178	110	25	.	.	PUNCT
esutjss-178	111	1	effective	effective	ADJ
esutjss-178	111	2	data	datum	NOUN
esutjss-178	111	3	visualization	visualization	NOUN
esutjss-178	111	4	enhances	enhance	NOUN
esutjss-178	111	5	decisionmaking	decisionmake	VERB
esutjss-178	111	6	and	and	CCONJ
esutjss-178	111	7	communication	communication	NOUN
esutjss-178	111	8	(	(	PUNCT
esutjss-178	111	9	few	few	ADJ
esutjss-178	111	10	,	,	PUNCT
esutjss-178	111	11	2020	2020	NUM
esutjss-178	111	12	)	)	PUNCT
esutjss-178	111	13	.	.	PUNCT
esutjss-178	112	1	blockchain	blockchain	PROPN
esutjss-178	112	2	is	be	AUX
esutjss-178	112	3	a	a	DET
esutjss-178	112	4	decentralized	decentralize	VERB
esutjss-178	112	5	and	and	CCONJ
esutjss-178	112	6	distributed	distribute	VERB
esutjss-178	112	7	ledger	ledger	NOUN
esutjss-178	112	8	technology	technology	NOUN
esutjss-178	112	9	that	that	PRON
esutjss-178	112	10	enables	enable	VERB
esutjss-178	112	11	secure	secure	ADJ
esutjss-178	112	12	and	and	CCONJ
esutjss-178	112	13	transparent	transparent	ADJ
esutjss-178	112	14	transactions	transaction	NOUN
esutjss-178	112	15	.	.	PUNCT
esutjss-178	113	1	it	it	PRON
esutjss-178	113	2	eliminates	eliminate	VERB
esutjss-178	113	3	the	the	DET
esutjss-178	113	4	need	need	NOUN
esutjss-178	113	5	for	for	ADP
esutjss-178	113	6	intermediaries	intermediary	NOUN
esutjss-178	113	7	,	,	PUNCT
esutjss-178	113	8	enhances	enhance	VERB
esutjss-178	113	9	trust	trust	NOUN
esutjss-178	113	10	,	,	PUNCT
esutjss-178	113	11	and	and	CCONJ
esutjss-178	113	12	ensures	ensure	VERB
esutjss-178	113	13	data	datum	NOUN
esutjss-178	113	14	integrity	integrity	NOUN
esutjss-178	113	15	.	.	PUNCT
esutjss-178	114	1	blockchain	blockchain	PROPN
esutjss-178	114	2	has	have	VERB
esutjss-178	114	3	applications	application	NOUN
esutjss-178	114	4	beyond	beyond	ADP
esutjss-178	114	5	cryptocurrencies	cryptocurrencie	NOUN
esutjss-178	114	6	,	,	PUNCT
esutjss-178	114	7	including	include	VERB
esutjss-178	114	8	supply	supply	NOUN
esutjss-178	114	9	chain	chain	NOUN
esutjss-178	114	10	management	management	NOUN
esutjss-178	114	11	,	,	PUNCT
esutjss-178	114	12	healthcare	healthcare	NOUN
esutjss-178	114	13	,	,	PUNCT
esutjss-178	114	14	and	and	CCONJ
esutjss-178	114	15	finance	finance	NOUN
esutjss-178	114	16	(	(	PUNCT
esutjss-178	114	17	swan	swan	NOUN
esutjss-178	114	18	,	,	PUNCT
esutjss-178	114	19	2020	2020	NUM
esutjss-178	114	20	)	)	PUNCT
esutjss-178	114	21	.	.	PUNCT
esutjss-178	115	1	challenges	challenge	NOUN
esutjss-178	115	2	and	and	CCONJ
esutjss-178	115	3	opportunities	opportunity	NOUN
esutjss-178	115	4	of	of	ADP
esutjss-178	115	5	digital	digital	ADJ
esutjss-178	115	6	transformation	transformation	NOUN
esutjss-178	115	7	for	for	ADP
esutjss-178	115	8	the	the	DET
esutjss-178	115	9	nigerian	nigerian	ADJ
esutjss-178	115	10	insurance	insurance	NOUN
esutjss-178	115	11	industry	industry	NOUN
esutjss-178	115	12	workforce	workforce	NOUN
esutjss-178	115	13	the	the	DET
esutjss-178	115	14	nigerian	nigerian	ADJ
esutjss-178	115	15	insurance	insurance	NOUN
esutjss-178	115	16	industry	industry	NOUN
esutjss-178	115	17	has	have	AUX
esutjss-178	115	18	experienced	experience	VERB
esutjss-178	115	19	significant	significant	ADJ
esutjss-178	115	20	digital	digital	ADJ
esutjss-178	115	21	disruption	disruption	NOUN
esutjss-178	115	22	in	in	ADP
esutjss-178	115	23	recent	recent	ADJ
esutjss-178	115	24	years	year	NOUN
esutjss-178	115	25	.	.	PUNCT
esutjss-178	116	1	while	while	SCONJ
esutjss-178	116	2	digital	digital	ADJ
esutjss-178	116	3	technologies	technology	NOUN
esutjss-178	116	4	present	present	VERB
esutjss-178	116	5	opportunities	opportunity	NOUN
esutjss-178	116	6	to	to	PART
esutjss-178	116	7	enhance	enhance	VERB
esutjss-178	116	8	efficiency	efficiency	NOUN
esutjss-178	116	9	,	,	PUNCT
esutjss-178	116	10	customer	customer	NOUN
esutjss-178	116	11	experience	experience	NOUN
esutjss-178	116	12	and	and	CCONJ
esutjss-178	116	13	workforce	workforce	NOUN
esutjss-178	116	14	skills	skill	NOUN
esutjss-178	116	15	,	,	PUNCT
esutjss-178	116	16	they	they	PRON
esutjss-178	116	17	also	also	ADV
esutjss-178	116	18	introduce	introduce	VERB
esutjss-178	116	19	challenges	challenge	NOUN
esutjss-178	116	20	for	for	ADP
esutjss-178	116	21	the	the	DET
esutjss-178	116	22	existing	exist	VERB
esutjss-178	116	23	workforce	workforce	NOUN
esutjss-178	116	24	that	that	PRON
esutjss-178	116	25	must	must	AUX
esutjss-178	116	26	be	be	AUX
esutjss-178	116	27	addressed	address	VERB
esutjss-178	116	28	.	.	PUNCT
esutjss-178	117	1	one	one	NUM
esutjss-178	117	2	of	of	ADP
esutjss-178	117	3	the	the	DET
esutjss-178	117	4	primary	primary	ADJ
esutjss-178	117	5	challenges	challenge	NOUN
esutjss-178	117	6	is	be	AUX
esutjss-178	117	7	the	the	DET
esutjss-178	117	8	risk	risk	NOUN
esutjss-178	117	9	of	of	ADP
esutjss-178	117	10	job	job	NOUN
esutjss-178	117	11	losses	loss	NOUN
esutjss-178	117	12	due	due	ADJ
esutjss-178	117	13	to	to	ADP
esutjss-178	117	14	automation	automation	NOUN
esutjss-178	117	15	.	.	PUNCT
esutjss-178	118	1	as	as	SCONJ
esutjss-178	118	2	insurers	insurer	NOUN
esutjss-178	118	3	adopt	adopt	VERB
esutjss-178	118	4	technologies	technology	NOUN
esutjss-178	118	5	like	like	ADP
esutjss-178	118	6	robotic	robotic	ADJ
esutjss-178	118	7	process	process	NOUN
esutjss-178	118	8	automation	automation	NOUN
esutjss-178	118	9	,	,	PUNCT
esutjss-178	118	10	artificial	artificial	ADJ
esutjss-178	118	11	intelligence	intelligence	NOUN
esutjss-178	118	12	and	and	CCONJ
esutjss-178	118	13	blockchain	blockchain	PROPN
esutjss-178	118	14	,	,	PUNCT
esutjss-178	118	15	certain	certain	ADJ
esutjss-178	118	16	back	back	ADJ
esutjss-178	118	17	-	-	PUNCT
esutjss-178	118	18	office	office	NOUN
esutjss-178	118	19	roles	role	NOUN
esutjss-178	118	20	involving	involve	VERB
esutjss-178	118	21	administrative	administrative	ADJ
esutjss-178	118	22	tasks	task	NOUN
esutjss-178	118	23	and	and	CCONJ
esutjss-178	118	24	data	datum	NOUN
esutjss-178	118	25	entry	entry	NOUN
esutjss-178	118	26	are	be	AUX
esutjss-178	118	27	most	most	ADV
esutjss-178	118	28	at	at	ADP
esutjss-178	118	29	risk	risk	NOUN
esutjss-178	118	30	of	of	ADP
esutjss-178	118	31	redundancy	redundancy	NOUN
esutjss-178	118	32	(	(	PUNCT
esutjss-178	118	33	adegbite	adegbite	PROPN
esutjss-178	118	34	et	et	PROPN
esutjss-178	118	35	al	al	PROPN
esutjss-178	118	36	.	.	PROPN
esutjss-178	118	37	,	,	PUNCT
esutjss-178	118	38	2020	2020	NUM
esutjss-178	118	39	)	)	PUNCT
esutjss-178	118	40	.	.	PUNCT
esutjss-178	119	1	a	a	DET
esutjss-178	119	2	survey	survey	NOUN
esutjss-178	119	3	of	of	ADP
esutjss-178	119	4	nigerian	nigerian	ADJ
esutjss-178	119	5	insurers	insurer	NOUN
esutjss-178	119	6	by	by	ADP
esutjss-178	119	7	pwc	pwc	PROPN
esutjss-178	119	8	(	(	PUNCT
esutjss-178	119	9	2021	2021	NUM
esutjss-178	119	10	)	)	PUNCT
esutjss-178	119	11	found	find	VERB
esutjss-178	119	12	that	that	SCONJ
esutjss-178	119	13	over	over	ADP
esutjss-178	119	14	30	30	NUM
esutjss-178	119	15	%	%	NOUN
esutjss-178	119	16	expect	expect	VERB
esutjss-178	119	17	significant	significant	ADJ
esutjss-178	119	18	job	job	NOUN
esutjss-178	119	19	cuts	cut	NOUN
esutjss-178	119	20	within	within	ADP
esutjss-178	119	21	five	five	NUM
esutjss-178	119	22	years	year	NOUN
esutjss-178	119	23	if	if	SCONJ
esutjss-178	119	24	digital	digital	ADJ
esutjss-178	119	25	transformation	transformation	NOUN
esutjss-178	119	26	is	be	AUX
esutjss-178	119	27	not	not	PART
esutjss-178	119	28	managed	manage	VERB
esutjss-178	119	29	properly	properly	ADV
esutjss-178	119	30	.	.	PUNCT
esutjss-178	120	1	this	this	PRON
esutjss-178	120	2	poses	pose	VERB
esutjss-178	120	3	the	the	DET
esutjss-178	120	4	challenge	challenge	NOUN
esutjss-178	120	5	of	of	ADP
esutjss-178	120	6	reskilling	reskille	VERB
esutjss-178	120	7	or	or	CCONJ
esutjss-178	120	8	outplacement	outplacement	NOUN
esutjss-178	120	9	for	for	ADP
esutjss-178	120	10	affected	affected	ADJ
esutjss-178	120	11	employees	employee	NOUN
esutjss-178	120	12	.	.	PUNCT
esutjss-178	121	1	however	however	ADV
esutjss-178	121	2	,	,	PUNCT
esutjss-178	121	3	digital	digital	ADJ
esutjss-178	121	4	transformation	transformation	NOUN
esutjss-178	121	5	also	also	ADV
esutjss-178	121	6	creates	create	VERB
esutjss-178	121	7	new	new	ADJ
esutjss-178	121	8	types	type	NOUN
esutjss-178	121	9	of	of	ADP
esutjss-178	121	10	jobs	job	NOUN
esutjss-178	121	11	that	that	PRON
esutjss-178	121	12	require	require	VERB
esutjss-178	121	13	advanced	advanced	ADJ
esutjss-178	121	14	technical	technical	ADJ
esutjss-178	121	15	and	and	CCONJ
esutjss-178	121	16	soft	soft	ADJ
esutjss-178	121	17	skills	skill	NOUN
esutjss-178	121	18	.	.	PUNCT
esutjss-178	122	1	roles	role	NOUN
esutjss-178	122	2	in	in	ADP
esutjss-178	122	3	areas	area	NOUN
esutjss-178	122	4	like	like	ADP
esutjss-178	122	5	data	datum	NOUN
esutjss-178	122	6	analytics	analytic	NOUN
esutjss-178	122	7	,	,	PUNCT
esutjss-178	122	8	customer	customer	NOUN
esutjss-178	122	9	experience	experience	NOUN
esutjss-178	122	10	design	design	NOUN
esutjss-178	122	11	,	,	PUNCT
esutjss-178	122	12	cybersecurity	cybersecurity	NOUN
esutjss-178	122	13	and	and	CCONJ
esutjss-178	122	14	blockchain	blockchain	PROPN
esutjss-178	122	15	development	development	PROPN
esutjss-178	122	16	are	be	AUX
esutjss-178	122	17	in	in	ADP
esutjss-178	122	18	high	high	ADJ
esutjss-178	122	19	demand	demand	NOUN
esutjss-178	122	20	but	but	CCONJ
esutjss-178	122	21	face	face	NOUN
esutjss-178	122	22	skills	skill	NOUN
esutjss-178	122	23	shortages	shortage	NOUN
esutjss-178	122	24	(	(	PUNCT
esutjss-178	122	25	deloitte	deloitte	NOUN
esutjss-178	122	26	,	,	PUNCT
esutjss-178	122	27	2020	2020	NUM
esutjss-178	122	28	)	)	PUNCT
esutjss-178	122	29	.	.	PUNCT
esutjss-178	123	1	a	a	DET
esutjss-178	123	2	study	study	NOUN
esutjss-178	123	3	by	by	ADP
esutjss-178	123	4	the	the	DET
esutjss-178	123	5	nigerian	nigerian	PROPN
esutjss-178	123	6	insurers	insurers	PROPN
esutjss-178	123	7	association	association	NOUN
esutjss-178	123	8	(	(	PUNCT
esutjss-178	123	9	2020	2020	NUM
esutjss-178	123	10	)	)	PUNCT
esutjss-178	123	11	reported	report	VERB
esutjss-178	123	12	that	that	SCONJ
esutjss-178	123	13	over	over	ADP
esutjss-178	123	14	60	60	NUM
esutjss-178	123	15	%	%	NOUN
esutjss-178	123	16	of	of	ADP
esutjss-178	123	17	insurers	insurer	NOUN
esutjss-178	123	18	faced	face	VERB
esutjss-178	123	19	challenges	challenge	NOUN
esutjss-178	123	20	recruiting	recruit	VERB
esutjss-178	123	21	employees	employee	NOUN
esutjss-178	123	22	with	with	ADP
esutjss-178	123	23	the	the	DET
esutjss-178	123	24	digital	digital	ADJ
esutjss-178	123	25	skills	skill	NOUN
esutjss-178	123	26	needed	need	VERB
esutjss-178	123	27	.	.	PUNCT
esutjss-178	124	1	this	this	PRON
esutjss-178	124	2	presents	present	VERB
esutjss-178	124	3	both	both	CCONJ
esutjss-178	124	4	a	a	DET
esutjss-178	124	5	challenge	challenge	NOUN
esutjss-178	124	6	to	to	PART
esutjss-178	124	7	upskill	upskill	VERB
esutjss-178	124	8	existing	exist	VERB
esutjss-178	124	9	staff	staff	NOUN
esutjss-178	124	10	and	and	CCONJ
esutjss-178	124	11	an	an	DET
esutjss-178	124	12	opportunity	opportunity	NOUN
esutjss-178	124	13	to	to	PART
esutjss-178	124	14	attract	attract	VERB
esutjss-178	124	15	new	new	ADJ
esutjss-178	124	16	digital	digital	ADJ
esutjss-178	124	17	talent	talent	NOUN
esutjss-178	124	18	.	.	PUNCT
esutjss-178	125	1	knowledge	knowledge	NOUN
esutjss-178	125	2	management	management	NOUN
esutjss-178	125	3	is	be	AUX
esutjss-178	125	4	another	another	DET
esutjss-178	125	5	challenge	challenge	NOUN
esutjss-178	125	6	as	as	SCONJ
esutjss-178	125	7	digital	digital	ADJ
esutjss-178	125	8	systems	system	NOUN
esutjss-178	125	9	change	change	VERB
esutjss-178	125	10	how	how	SCONJ
esutjss-178	125	11	information	information	NOUN
esutjss-178	125	12	is	be	AUX
esutjss-178	125	13	created	create	VERB
esutjss-178	125	14	and	and	CCONJ
esutjss-178	125	15	shared	share	VERB
esutjss-178	125	16	within	within	ADP
esutjss-178	125	17	organizations	organization	NOUN
esutjss-178	125	18	.	.	PUNCT
esutjss-178	126	1	transitioning	transition	VERB
esutjss-178	126	2	to	to	ADP
esutjss-178	126	3	paperless	paperless	NOUN
esutjss-178	126	4	workflows	workflow	NOUN
esutjss-178	126	5	and	and	CCONJ
esutjss-178	126	6	cloud	cloud	NOUN
esutjss-178	126	7	-	-	PUNCT
esutjss-178	126	8	based	base	VERB
esutjss-178	126	9	systems	system	NOUN
esutjss-178	126	10	means	mean	VERB
esutjss-178	126	11	rethinking	rethink	VERB
esutjss-178	126	12	knowledge	knowledge	NOUN
esutjss-178	126	13	capture	capture	NOUN
esutjss-178	126	14	and	and	CCONJ
esutjss-178	126	15	transfer	transfer	NOUN
esutjss-178	126	16	practices	practice	NOUN
esutjss-178	126	17	(	(	PUNCT
esutjss-178	126	18	oviawe	oviawe	ADV
esutjss-178	126	19	,	,	PUNCT
esutjss-178	126	20	2020	2020	NUM
esutjss-178	126	21	)	)	PUNCT
esutjss-178	126	22	.	.	PUNCT
esutjss-178	127	1	however	however	ADV
esutjss-178	127	2	,	,	PUNCT
esutjss-178	127	3	it	it	PRON
esutjss-178	127	4	also	also	ADV
esutjss-178	127	5	enables	enable	VERB
esutjss-178	127	6	new	new	ADJ
esutjss-178	127	7	forms	form	NOUN
esutjss-178	127	8	of	of	ADP
esutjss-178	127	9	collaborative	collaborative	ADJ
esutjss-178	127	10	knowledge	knowledge	NOUN
esutjss-178	127	11	management	management	NOUN
esutjss-178	127	12	using	use	VERB
esutjss-178	127	13	technologies	technology	NOUN
esutjss-178	127	14	like	like	ADP
esutjss-178	127	15	expert	expert	NOUN
esutjss-178	127	16	72	72	NUM
esutjss-178	127	17	networks	network	NOUN
esutjss-178	127	18	,	,	PUNCT
esutjss-178	127	19	discussion	discussion	NOUN
esutjss-178	127	20	forums	forum	NOUN
esutjss-178	127	21	and	and	CCONJ
esutjss-178	127	22	virtual	virtual	ADJ
esutjss-178	127	23	training	training	NOUN
esutjss-178	127	24	(	(	PUNCT
esutjss-178	127	25	adegbite	adegbite	PROPN
esutjss-178	127	26	et	et	PROPN
esutjss-178	127	27	al	al	PROPN
esutjss-178	127	28	.	.	PROPN
esutjss-178	127	29	,	,	PUNCT
esutjss-178	127	30	2020	2020	NUM
esutjss-178	127	31	)	)	PUNCT
esutjss-178	127	32	.	.	PUNCT
esutjss-178	128	1	regulatory	regulatory	ADJ
esutjss-178	128	2	frameworks	framework	NOUN
esutjss-178	128	3	also	also	ADV
esutjss-178	128	4	need	need	VERB
esutjss-178	128	5	to	to	PART
esutjss-178	128	6	adapt	adapt	VERB
esutjss-178	128	7	to	to	ADP
esutjss-178	128	8	the	the	DET
esutjss-178	128	9	pace	pace	NOUN
esutjss-178	128	10	of	of	ADP
esutjss-178	128	11	digital	digital	ADJ
esutjss-178	128	12	change	change	NOUN
esutjss-178	128	13	.	.	PUNCT
esutjss-178	129	1	while	while	SCONJ
esutjss-178	129	2	the	the	DET
esutjss-178	129	3	national	national	PROPN
esutjss-178	129	4	insurance	insurance	PROPN
esutjss-178	129	5	commission	commission	PROPN
esutjss-178	129	6	has	have	AUX
esutjss-178	129	7	introduced	introduce	VERB
esutjss-178	129	8	reforms	reform	NOUN
esutjss-178	129	9	,	,	PUNCT
esutjss-178	129	10	insurers	insurer	NOUN
esutjss-178	129	11	report	report	VERB
esutjss-178	129	12	the	the	DET
esutjss-178	129	13	regulatory	regulatory	ADJ
esutjss-178	129	14	sandbox	sandbox	NOUN
esutjss-178	129	15	process	process	NOUN
esutjss-178	129	16	could	could	AUX
esutjss-178	129	17	be	be	AUX
esutjss-178	129	18	streamlined	streamline	VERB
esutjss-178	129	19	to	to	PART
esutjss-178	129	20	test	test	VERB
esutjss-178	129	21	innovative	innovative	ADJ
esutjss-178	129	22	products	product	NOUN
esutjss-178	129	23	and	and	CCONJ
esutjss-178	129	24	services	service	NOUN
esutjss-178	129	25	more	more	ADV
esutjss-178	129	26	quickly	quickly	ADV
esutjss-178	129	27	(	(	PUNCT
esutjss-178	129	28	deloitte	deloitte	NOUN
esutjss-178	129	29	,	,	PUNCT
esutjss-178	129	30	2020	2020	NUM
esutjss-178	129	31	)	)	PUNCT
esutjss-178	129	32	.	.	PUNCT
esutjss-178	130	1	but	but	CCONJ
esutjss-178	130	2	supportive	supportive	ADJ
esutjss-178	130	3	regulation	regulation	NOUN
esutjss-178	130	4	is	be	AUX
esutjss-178	130	5	key	key	ADJ
esutjss-178	130	6	to	to	ADP
esutjss-178	130	7	realizing	realize	VERB
esutjss-178	130	8	opportunities	opportunity	NOUN
esutjss-178	130	9	in	in	ADP
esutjss-178	130	10	areas	area	NOUN
esutjss-178	130	11	like	like	ADP
esutjss-178	130	12	insurtech	insurtech	NOUN
esutjss-178	130	13	and	and	CCONJ
esutjss-178	130	14	digital	digital	ADJ
esutjss-178	130	15	distribution	distribution	NOUN
esutjss-178	130	16	channels	channel	NOUN
esutjss-178	130	17	.	.	PUNCT
esutjss-178	131	1	theoretical	theoretical	ADJ
esutjss-178	131	2	review	review	VERB
esutjss-178	131	3	the	the	DET
esutjss-178	131	4	diffusion	diffusion	NOUN
esutjss-178	131	5	of	of	ADP
esutjss-178	131	6	innovation	innovation	NOUN
esutjss-178	131	7	theory	theory	NOUN
esutjss-178	131	8	by	by	ADP
esutjss-178	131	9	everett	everett	PROPN
esutjss-178	131	10	rogers	rogers	PROPN
esutjss-178	131	11	helps	help	VERB
esutjss-178	131	12	explain	explain	VERB
esutjss-178	131	13	how	how	SCONJ
esutjss-178	131	14	digital	digital	ADJ
esutjss-178	131	15	technologies	technology	NOUN
esutjss-178	131	16	are	be	AUX
esutjss-178	131	17	being	be	AUX
esutjss-178	131	18	adopted	adopt	VERB
esutjss-178	131	19	within	within	ADP
esutjss-178	131	20	the	the	DET
esutjss-178	131	21	nigerian	nigerian	ADJ
esutjss-178	131	22	insurance	insurance	NOUN
esutjss-178	131	23	sector	sector	NOUN
esutjss-178	131	24	and	and	CCONJ
esutjss-178	131	25	the	the	DET
esutjss-178	131	26	implications	implication	NOUN
esutjss-178	131	27	for	for	ADP
esutjss-178	131	28	workforce	workforce	NOUN
esutjss-178	131	29	skills	skill	NOUN
esutjss-178	131	30	.	.	PUNCT
esutjss-178	132	1	doi	doi	NOUN
esutjss-178	132	2	posits	posit	NOUN
esutjss-178	132	3	that	that	PRON
esutjss-178	132	4	innovations	innovation	NOUN
esutjss-178	132	5	diffuse	diffuse	VERB
esutjss-178	132	6	within	within	ADP
esutjss-178	132	7	a	a	DET
esutjss-178	132	8	social	social	ADJ
esutjss-178	132	9	system	system	NOUN
esutjss-178	132	10	over	over	ADP
esutjss-178	132	11	time	time	NOUN
esutjss-178	132	12	through	through	ADP
esutjss-178	132	13	a	a	DET
esutjss-178	132	14	process	process	NOUN
esutjss-178	132	15	where	where	SCONJ
esutjss-178	132	16	some	some	DET
esutjss-178	132	17	employees	employee	NOUN
esutjss-178	132	18	(	(	PUNCT
esutjss-178	132	19	innovators	innovator	NOUN
esutjss-178	132	20	and	and	CCONJ
esutjss-178	132	21	early	early	ADJ
esutjss-178	132	22	adopters	adopter	NOUN
esutjss-178	132	23	)	)	PUNCT
esutjss-178	132	24	embrace	embrace	NOUN
esutjss-178	132	25	technologies	technology	NOUN
esutjss-178	132	26	before	before	ADP
esutjss-178	132	27	the	the	DET
esutjss-178	132	28	majority	majority	NOUN
esutjss-178	132	29	.	.	PUNCT
esutjss-178	133	1	when	when	SCONJ
esutjss-178	133	2	applied	apply	VERB
esutjss-178	133	3	to	to	ADP
esutjss-178	133	4	digital	digital	ADJ
esutjss-178	133	5	transformation	transformation	NOUN
esutjss-178	133	6	,	,	PUNCT
esutjss-178	133	7	this	this	PRON
esutjss-178	133	8	suggests	suggest	VERB
esutjss-178	133	9	that	that	SCONJ
esutjss-178	133	10	insurers	insurer	NOUN
esutjss-178	133	11	first	first	ADV
esutjss-178	133	12	focused	focus	VERB
esutjss-178	133	13	skills	skill	NOUN
esutjss-178	133	14	development	development	NOUN
esutjss-178	133	15	on	on	ADP
esutjss-178	133	16	those	those	PRON
esutjss-178	133	17	receptive	receptive	ADJ
esutjss-178	133	18	to	to	ADP
esutjss-178	133	19	new	new	ADJ
esutjss-178	133	20	tools	tool	NOUN
esutjss-178	133	21	like	like	ADP
esutjss-178	133	22	analytics	analytic	NOUN
esutjss-178	133	23	and	and	CCONJ
esutjss-178	133	24	cloud	cloud	NOUN
esutjss-178	133	25	computing	computing	NOUN
esutjss-178	133	26	.	.	PUNCT
esutjss-178	134	1	as	as	SCONJ
esutjss-178	134	2	adoption	adoption	NOUN
esutjss-178	134	3	spreads	spread	VERB
esutjss-178	134	4	to	to	ADP
esutjss-178	134	5	later	later	ADJ
esutjss-178	134	6	groups	group	NOUN
esutjss-178	134	7	,	,	PUNCT
esutjss-178	134	8	reskilling	reskille	VERB
esutjss-178	134	9	needs	need	NOUN
esutjss-178	134	10	to	to	PART
esutjss-178	134	11	become	become	VERB
esutjss-178	134	12	broader	broad	ADJ
esutjss-178	134	13	to	to	PART
esutjss-178	134	14	sustain	sustain	VERB
esutjss-178	134	15	transformation	transformation	NOUN
esutjss-178	134	16	.	.	PUNCT
esutjss-178	135	1	the	the	DET
esutjss-178	135	2	theory	theory	NOUN
esutjss-178	135	3	also	also	ADV
esutjss-178	135	4	recognizes	recognize	VERB
esutjss-178	135	5	the	the	DET
esutjss-178	135	6	importance	importance	NOUN
esutjss-178	135	7	of	of	ADP
esutjss-178	135	8	communication	communication	NOUN
esutjss-178	135	9	channels	channel	NOUN
esutjss-178	135	10	for	for	ADP
esutjss-178	135	11	diffusing	diffuse	VERB
esutjss-178	135	12	new	new	ADJ
esutjss-178	135	13	ideas	idea	NOUN
esutjss-178	135	14	.	.	PUNCT
esutjss-178	136	1	insurers	insurer	NOUN
esutjss-178	136	2	that	that	PRON
esutjss-178	136	3	effectively	effectively	ADV
esutjss-178	136	4	communicate	communicate	VERB
esutjss-178	136	5	the	the	DET
esutjss-178	136	6	benefits	benefit	NOUN
esutjss-178	136	7	of	of	ADP
esutjss-178	136	8	technologies	technology	NOUN
esutjss-178	136	9	through	through	ADP
esutjss-178	136	10	forums	forum	NOUN
esutjss-178	136	11	,	,	PUNCT
esutjss-178	136	12	training	training	NOUN
esutjss-178	136	13	and	and	CCONJ
esutjss-178	136	14	expert	expert	NOUN
esutjss-178	136	15	networks	network	NOUN
esutjss-178	136	16	can	can	AUX
esutjss-178	136	17	accelerate	accelerate	VERB
esutjss-178	136	18	adoption	adoption	NOUN
esutjss-178	136	19	rates	rate	NOUN
esutjss-178	136	20	.	.	PUNCT
esutjss-178	137	1	this	this	PRON
esutjss-178	137	2	supports	support	VERB
esutjss-178	137	3	upskilling	upskille	VERB
esutjss-178	137	4	existing	exist	VERB
esutjss-178	137	5	employees	employee	NOUN
esutjss-178	137	6	before	before	SCONJ
esutjss-178	137	7	critical	critical	ADJ
esutjss-178	137	8	skills	skill	NOUN
esutjss-178	137	9	gaps	gap	NOUN
esutjss-178	137	10	emerge	emerge	VERB
esutjss-178	137	11	.	.	PUNCT
esutjss-178	138	1	however	however	ADV
esutjss-178	138	2	,	,	PUNCT
esutjss-178	138	3	doi	doi	NOUN
esutjss-178	138	4	cautions	caution	VERB
esutjss-178	138	5	that	that	SCONJ
esutjss-178	138	6	too	too	ADV
esutjss-178	138	7	fast	fast	VERB
esutjss-178	138	8	a	a	DET
esutjss-178	138	9	rate	rate	NOUN
esutjss-178	138	10	of	of	ADP
esutjss-178	138	11	adoption	adoption	NOUN
esutjss-178	138	12	without	without	ADP
esutjss-178	138	13	sufficient	sufficient	ADJ
esutjss-178	138	14	support	support	NOUN
esutjss-178	138	15	risks	risk	VERB
esutjss-178	138	16	employee	employee	NOUN
esutjss-178	138	17	resistance	resistance	NOUN
esutjss-178	138	18	.	.	PUNCT
esutjss-178	139	1	a	a	DET
esutjss-178	139	2	gradual	gradual	ADJ
esutjss-178	139	3	,	,	PUNCT
esutjss-178	139	4	participatory	participatory	ADJ
esutjss-178	139	5	approach	approach	NOUN
esutjss-178	139	6	balancing	balance	VERB
esutjss-178	139	7	organizational	organizational	ADJ
esutjss-178	139	8	needs	need	NOUN
esutjss-178	139	9	with	with	ADP
esutjss-178	139	10	individual	individual	ADJ
esutjss-178	139	11	readiness	readiness	NOUN
esutjss-178	139	12	helps	help	VERB
esutjss-178	139	13	ensure	ensure	VERB
esutjss-178	139	14	transformation	transformation	NOUN
esutjss-178	139	15	is	be	AUX
esutjss-178	139	16	inclusive	inclusive	ADJ
esutjss-178	139	17	.	.	PUNCT
esutjss-178	140	1	meanwhile	meanwhile	ADV
esutjss-178	140	2	,	,	PUNCT
esutjss-178	140	3	human	human	ADJ
esutjss-178	140	4	capital	capital	NOUN
esutjss-178	140	5	theory	theory	NOUN
esutjss-178	140	6	posits	posit	NOUN
esutjss-178	140	7	that	that	SCONJ
esutjss-178	140	8	investments	investment	NOUN
esutjss-178	140	9	in	in	ADP
esutjss-178	140	10	employee	employee	NOUN
esutjss-178	140	11	knowledge	knowledge	NOUN
esutjss-178	140	12	,	,	PUNCT
esutjss-178	140	13	skills	skill	NOUN
esutjss-178	140	14	and	and	CCONJ
esutjss-178	140	15	abilities	ability	NOUN
esutjss-178	140	16	are	be	AUX
esutjss-178	140	17	a	a	DET
esutjss-178	140	18	form	form	NOUN
esutjss-178	140	19	of	of	ADP
esutjss-178	140	20	capital	capital	NOUN
esutjss-178	140	21	that	that	PRON
esutjss-178	140	22	yields	yield	VERB
esutjss-178	140	23	returns	return	NOUN
esutjss-178	140	24	.	.	PUNCT
esutjss-178	141	1	in	in	ADP
esutjss-178	141	2	the	the	DET
esutjss-178	141	3	context	context	NOUN
esutjss-178	141	4	of	of	ADP
esutjss-178	141	5	digital	digital	ADJ
esutjss-178	141	6	transformation	transformation	NOUN
esutjss-178	141	7	,	,	PUNCT
esutjss-178	141	8	insurers	insurer	NOUN
esutjss-178	141	9	recognizing	recognize	VERB
esutjss-178	141	10	the	the	DET
esutjss-178	141	11	value	value	NOUN
esutjss-178	141	12	of	of	ADP
esutjss-178	141	13	reskilling	reskille	VERB
esutjss-178	141	14	and	and	CCONJ
esutjss-178	141	15	recruiting	recruit	VERB
esutjss-178	141	16	talent	talent	NOUN
esutjss-178	141	17	are	be	AUX
esutjss-178	141	18	developing	develop	VERB
esutjss-178	141	19	the	the	DET
esutjss-178	141	20	human	human	ADJ
esutjss-178	141	21	capital	capital	NOUN
esutjss-178	141	22	needed	need	VERB
esutjss-178	141	23	for	for	ADP
esutjss-178	141	24	future	future	ADJ
esutjss-178	141	25	competitiveness	competitiveness	NOUN
esutjss-178	141	26	and	and	CCONJ
esutjss-178	141	27	growth	growth	NOUN
esutjss-178	141	28	.	.	PUNCT
esutjss-178	142	1	however	however	ADV
esutjss-178	142	2	,	,	PUNCT
esutjss-178	142	3	nigeria	nigeria	PROPN
esutjss-178	142	4	still	still	ADV
esutjss-178	142	5	faces	face	VERB
esutjss-178	142	6	human	human	ADJ
esutjss-178	142	7	capital	capital	NOUN
esutjss-178	142	8	deficits	deficit	NOUN
esutjss-178	142	9	if	if	SCONJ
esutjss-178	142	10	education	education	NOUN
esutjss-178	142	11	does	do	AUX
esutjss-178	142	12	not	not	PART
esutjss-178	142	13	equip	equip	VERB
esutjss-178	142	14	entrants	entrant	NOUN
esutjss-178	142	15	with	with	ADP
esutjss-178	142	16	relevant	relevant	ADJ
esutjss-178	142	17	technical	technical	ADJ
esutjss-178	142	18	and	and	CCONJ
esutjss-178	142	19	soft	soft	ADJ
esutjss-178	142	20	skills	skill	NOUN
esutjss-178	142	21	.	.	PUNCT
esutjss-178	143	1	insurers	insurer	NOUN
esutjss-178	143	2	must	must	AUX
esutjss-178	143	3	also	also	ADV
esutjss-178	143	4	incentivize	incentivize	VERB
esutjss-178	143	5	retaining	retain	VERB
esutjss-178	143	6	staff	staff	NOUN
esutjss-178	143	7	as	as	ADP
esutjss-178	143	8	retaining	retain	VERB
esutjss-178	143	9	knowledgeable	knowledgeable	ADJ
esutjss-178	143	10	employees	employee	NOUN
esutjss-178	143	11	generates	generate	VERB
esutjss-178	143	12	higher	high	ADJ
esutjss-178	143	13	returns	return	NOUN
esutjss-178	143	14	than	than	ADP
esutjss-178	143	15	replacing	replace	VERB
esutjss-178	143	16	them	they	PRON
esutjss-178	143	17	.	.	PUNCT
esutjss-178	144	1	together	together	ADV
esutjss-178	144	2	,	,	PUNCT
esutjss-178	144	3	these	these	DET
esutjss-178	144	4	theories	theory	NOUN
esutjss-178	144	5	indicate	indicate	VERB
esutjss-178	144	6	that	that	SCONJ
esutjss-178	144	7	a	a	DET
esutjss-178	144	8	balanced	balanced	ADJ
esutjss-178	144	9	,	,	PUNCT
esutjss-178	144	10	people	people	NOUN
esutjss-178	144	11	-	-	PUNCT
esutjss-178	144	12	centric	centric	ADJ
esutjss-178	144	13	strategy	strategy	NOUN
esutjss-178	144	14	considering	consider	VERB
esutjss-178	144	15	individual	individual	ADJ
esutjss-178	144	16	and	and	CCONJ
esutjss-178	144	17	systemic	systemic	ADJ
esutjss-178	144	18	factors	factor	NOUN
esutjss-178	144	19	is	be	AUX
esutjss-178	144	20	most	most	ADV
esutjss-178	144	21	likely	likely	ADJ
esutjss-178	144	22	to	to	PART
esutjss-178	144	23	develop	develop	VERB
esutjss-178	144	24	a	a	DET
esutjss-178	144	25	workforce	workforce	NOUN
esutjss-178	144	26	equipped	equip	VERB
esutjss-178	144	27	for	for	ADP
esutjss-178	144	28	the	the	DET
esutjss-178	144	29	digital	digital	ADJ
esutjss-178	144	30	future	future	NOUN
esutjss-178	144	31	of	of	ADP
esutjss-178	144	32	the	the	DET
esutjss-178	144	33	nigerian	nigerian	ADJ
esutjss-178	144	34	insurance	insurance	NOUN
esutjss-178	144	35	industry	industry	NOUN
esutjss-178	144	36	.	.	PUNCT
esutjss-178	145	1	empirical	empirical	ADJ
esutjss-178	145	2	review	review	NOUN
esutjss-178	145	3	in	in	ADP
esutjss-178	145	4	the	the	DET
esutjss-178	145	5	paper	paper	NOUN
esutjss-178	145	6	"	"	PUNCT
esutjss-178	145	7	digitalization	digitalization	NOUN
esutjss-178	145	8	and	and	CCONJ
esutjss-178	145	9	the	the	DET
esutjss-178	145	10	future	future	NOUN
esutjss-178	145	11	of	of	ADP
esutjss-178	145	12	work	work	NOUN
esutjss-178	145	13	in	in	ADP
esutjss-178	145	14	nigeria	nigeria	PROPN
esutjss-178	145	15	's	's	PART
esutjss-178	145	16	insurance	insurance	NOUN
esutjss-178	145	17	sector	sector	NOUN
esutjss-178	145	18	"	"	PUNCT
esutjss-178	145	19	,	,	PUNCT
esutjss-178	145	20	adeoye	adeoye	PROPN
esutjss-178	145	21	(	(	PUNCT
esutjss-178	145	22	2019	2019	NUM
esutjss-178	145	23	)	)	PUNCT
esutjss-178	145	24	recognizes	recognize	VERB
esutjss-178	145	25	how	how	SCONJ
esutjss-178	145	26	new	new	ADJ
esutjss-178	145	27	technologies	technology	NOUN
esutjss-178	145	28	are	be	AUX
esutjss-178	145	29	transforming	transform	VERB
esutjss-178	145	30	the	the	DET
esutjss-178	145	31	global	global	ADJ
esutjss-178	145	32	insurance	insurance	NOUN
esutjss-178	145	33	industry	industry	NOUN
esutjss-178	145	34	and	and	CCONJ
esutjss-178	145	35	aims	aim	VERB
esutjss-178	145	36	to	to	PART
esutjss-178	145	37	investigate	investigate	VERB
esutjss-178	145	38	their	their	PRON
esutjss-178	145	39	impacts	impact	NOUN
esutjss-178	145	40	on	on	ADP
esutjss-178	145	41	the	the	DET
esutjss-178	145	42	nigerian	nigerian	ADJ
esutjss-178	145	43	context	context	NOUN
esutjss-178	145	44	specifically	specifically	ADV
esutjss-178	145	45	.	.	PUNCT
esutjss-178	146	1	the	the	DET
esutjss-178	146	2	study	study	NOUN
esutjss-178	146	3	surveys	survey	NOUN
esutjss-178	146	4	insurance	insurance	NOUN
esutjss-178	146	5	managers	manager	NOUN
esutjss-178	146	6	to	to	PART
esutjss-178	146	7	assess	assess	VERB
esutjss-178	146	8	digital	digital	ADJ
esutjss-178	146	9	adoption	adoption	NOUN
esutjss-178	146	10	,	,	PUNCT
esutjss-178	146	11	skills	skill	VERB
esutjss-178	146	12	demands	demand	NOUN
esutjss-178	146	13	,	,	PUNCT
esutjss-178	146	14	training	training	NOUN
esutjss-178	146	15	needs	need	NOUN
esutjss-178	146	16	,	,	PUNCT
esutjss-178	146	17	and	and	CCONJ
esutjss-178	146	18	workforce	workforce	PROPN
esutjss-178	146	19	readiness	readiness	NOUN
esutjss-178	146	20	.	.	PUNCT
esutjss-178	147	1	it	it	PRON
esutjss-178	147	2	finds	find	VERB
esutjss-178	147	3	that	that	SCONJ
esutjss-178	147	4	while	while	SCONJ
esutjss-178	147	5	data	datum	NOUN
esutjss-178	147	6	,	,	PUNCT
esutjss-178	147	7	ai	ai	VERB
esutjss-178	147	8	,	,	PUNCT
esutjss-178	147	9	and	and	CCONJ
esutjss-178	147	10	automation	automation	NOUN
esutjss-178	147	11	are	be	AUX
esutjss-178	147	12	being	be	AUX
esutjss-178	147	13	rapidly	rapidly	ADV
esutjss-178	147	14	deployed	deploy	VERB
esutjss-178	147	15	,	,	PUNCT
esutjss-178	147	16	severe	severe	ADJ
esutjss-178	147	17	skills	skill	NOUN
esutjss-178	147	18	gaps	gap	NOUN
esutjss-178	147	19	exist	exist	VERB
esutjss-178	147	20	,	,	PUNCT
esutjss-178	147	21	especially	especially	ADV
esutjss-178	147	22	in	in	ADP
esutjss-178	147	23	areas	area	NOUN
esutjss-178	147	24	like	like	ADP
esutjss-178	147	25	data	datum	NOUN
esutjss-178	147	26	analytics	analytic	NOUN
esutjss-178	147	27	and	and	CCONJ
esutjss-178	147	28	digital	digital	ADJ
esutjss-178	147	29	marketing	marketing	NOUN
esutjss-178	147	30	.	.	PUNCT
esutjss-178	148	1	the	the	DET
esutjss-178	148	2	nigerian	nigerian	ADJ
esutjss-178	148	3	insurance	insurance	NOUN
esutjss-178	148	4	workforce	workforce	NOUN
esutjss-178	148	5	is	be	AUX
esutjss-178	148	6	overall	overall	ADJ
esutjss-178	148	7	ill	ill	ADV
esutjss-178	148	8	-	-	PUNCT
esutjss-178	148	9	prepared	prepared	ADJ
esutjss-178	148	10	for	for	ADP
esutjss-178	148	11	the	the	DET
esutjss-178	148	12	digital	digital	ADJ
esutjss-178	148	13	future	future	NOUN
esutjss-178	148	14	due	due	ADP
esutjss-178	148	15	to	to	ADP
esutjss-178	148	16	lack	lack	NOUN
esutjss-178	148	17	of	of	ADP
esutjss-178	148	18	retraining	retrain	VERB
esutjss-178	148	19	and	and	CCONJ
esutjss-178	148	20	development	development	NOUN
esutjss-178	148	21	programs	program	NOUN
esutjss-178	148	22	.	.	PUNCT
esutjss-178	149	1	adeoye	adeoye	PROPN
esutjss-178	149	2	concludes	conclude	VERB
esutjss-178	149	3	that	that	SCONJ
esutjss-178	149	4	insurers	insurer	NOUN
esutjss-178	149	5	need	need	VERB
esutjss-178	149	6	to	to	PART
esutjss-178	149	7	urgently	urgently	ADV
esutjss-178	149	8	invest	invest	VERB
esutjss-178	149	9	in	in	ADP
esutjss-178	149	10	upskilling	upskille	VERB
esutjss-178	149	11	staff	staff	NOUN
esutjss-178	149	12	to	to	PART
esutjss-178	149	13	prevent	prevent	VERB
esutjss-178	149	14	73	73	NUM
esutjss-178	149	15	rising	rise	VERB
esutjss-178	149	16	unemployment	unemployment	NOUN
esutjss-178	149	17	from	from	ADP
esutjss-178	149	18	technology	technology	NOUN
esutjss-178	149	19	disruption	disruption	NOUN
esutjss-178	149	20	.	.	PUNCT
esutjss-178	150	1	collaborations	collaboration	NOUN
esutjss-178	150	2	between	between	ADP
esutjss-178	150	3	insurance	insurance	NOUN
esutjss-178	150	4	firms	firm	NOUN
esutjss-178	150	5	and	and	CCONJ
esutjss-178	150	6	academia	academia	NOUN
esutjss-178	150	7	could	could	AUX
esutjss-178	150	8	help	help	VERB
esutjss-178	150	9	reform	reform	VERB
esutjss-178	150	10	curriculums	curriculum	NOUN
esutjss-178	150	11	and	and	CCONJ
esutjss-178	150	12	graduate	graduate	VERB
esutjss-178	150	13	more	more	ADJ
esutjss-178	150	14	job	job	NOUN
esutjss-178	150	15	-	-	PUNCT
esutjss-178	150	16	ready	ready	ADJ
esutjss-178	150	17	digital	digital	ADJ
esutjss-178	150	18	talent	talent	NOUN
esutjss-178	150	19	.	.	PUNCT
esutjss-178	151	1	the	the	DET
esutjss-178	151	2	paper	paper	NOUN
esutjss-178	151	3	provides	provide	VERB
esutjss-178	151	4	valuable	valuable	ADJ
esutjss-178	151	5	empirical	empirical	ADJ
esutjss-178	151	6	insights	insight	NOUN
esutjss-178	151	7	into	into	ADP
esutjss-178	151	8	the	the	DET
esutjss-178	151	9	digital	digital	ADJ
esutjss-178	151	10	skills	skill	NOUN
esutjss-178	151	11	transition	transition	NOUN
esutjss-178	151	12	underway	underway	ADV
esutjss-178	151	13	in	in	ADP
esutjss-178	151	14	nigerian	nigerian	ADJ
esutjss-178	151	15	insurance	insurance	NOUN
esutjss-178	151	16	through	through	ADP
esutjss-178	151	17	first	first	ADJ
esutjss-178	151	18	-	-	PUNCT
esutjss-178	151	19	hand	hand	NOUN
esutjss-178	151	20	data	datum	NOUN
esutjss-178	151	21	collected	collect	VERB
esutjss-178	151	22	from	from	ADP
esutjss-178	151	23	industry	industry	NOUN
esutjss-178	151	24	leaders	leader	NOUN
esutjss-178	151	25	.	.	PUNCT
esutjss-178	152	1	its	its	PRON
esutjss-178	152	2	findings	finding	NOUN
esutjss-178	152	3	highlight	highlight	VERB
esutjss-178	152	4	concerns	concern	NOUN
esutjss-178	152	5	but	but	CCONJ
esutjss-178	152	6	also	also	ADV
esutjss-178	152	7	pathways	pathway	VERB
esutjss-178	152	8	forward	forward	ADV
esutjss-178	152	9	through	through	ADP
esutjss-178	152	10	workforce	workforce	NOUN
esutjss-178	152	11	training	training	NOUN
esutjss-178	152	12	initiatives	initiative	NOUN
esutjss-178	152	13	and	and	CCONJ
esutjss-178	152	14	adapted	adapt	VERB
esutjss-178	152	15	insurance	insurance	NOUN
esutjss-178	152	16	education	education	NOUN
esutjss-178	152	17	programs	program	NOUN
esutjss-178	152	18	.	.	PUNCT
esutjss-178	153	1	recognizing	recognize	VERB
esutjss-178	153	2	the	the	DET
esutjss-178	153	3	digital	digital	ADJ
esutjss-178	153	4	revolution	revolution	NOUN
esutjss-178	153	5	reshaping	reshape	VERB
esutjss-178	153	6	global	global	ADJ
esutjss-178	153	7	insurance	insurance	NOUN
esutjss-178	153	8	,	,	PUNCT
esutjss-178	153	9	okonjo	okonjo	VERB
esutjss-178	153	10	's	's	PART
esutjss-178	153	11	2021	2021	NUM
esutjss-178	153	12	study	study	NOUN
esutjss-178	153	13	investigates	investigate	VERB
esutjss-178	153	14	the	the	DET
esutjss-178	153	15	impacts	impact	NOUN
esutjss-178	153	16	on	on	ADP
esutjss-178	153	17	skills	skill	NOUN
esutjss-178	153	18	and	and	CCONJ
esutjss-178	153	19	workforce	workforce	PROPN
esutjss-178	153	20	development	development	NOUN
esutjss-178	153	21	needs	need	VERB
esutjss-178	153	22	in	in	ADP
esutjss-178	153	23	nigeria	nigeria	PROPN
esutjss-178	153	24	.	.	PUNCT
esutjss-178	154	1	through	through	ADP
esutjss-178	154	2	indepth	indepth	ADJ
esutjss-178	154	3	interviews	interview	NOUN
esutjss-178	154	4	with	with	ADP
esutjss-178	154	5	insurance	insurance	NOUN
esutjss-178	154	6	managers	manager	NOUN
esutjss-178	154	7	,	,	PUNCT
esutjss-178	154	8	the	the	DET
esutjss-178	154	9	research	research	NOUN
esutjss-178	154	10	aims	aim	VERB
esutjss-178	154	11	to	to	PART
esutjss-178	154	12	identify	identify	VERB
esutjss-178	154	13	the	the	DET
esutjss-178	154	14	most	most	ADJ
esutjss-178	154	15	in	in	ADP
esutjss-178	154	16	-	-	PUNCT
esutjss-178	154	17	demand	demand	NOUN
esutjss-178	154	18	digital	digital	ADJ
esutjss-178	154	19	skills	skill	NOUN
esutjss-178	154	20	and	and	CCONJ
esutjss-178	154	21	evaluate	evaluate	VERB
esutjss-178	154	22	how	how	SCONJ
esutjss-178	154	23	well	well	ADV
esutjss-178	154	24	insurers	insurer	NOUN
esutjss-178	154	25	are	be	AUX
esutjss-178	154	26	developing	develop	VERB
esutjss-178	154	27	these	these	DET
esutjss-178	154	28	capabilities	capability	NOUN
esutjss-178	154	29	.	.	PUNCT
esutjss-178	155	1	analysis	analysis	NOUN
esutjss-178	155	2	of	of	ADP
esutjss-178	155	3	the	the	DET
esutjss-178	155	4	qualitative	qualitative	ADJ
esutjss-178	155	5	insights	insight	NOUN
esutjss-178	155	6	reveals	reveal	VERB
esutjss-178	155	7	data	datum	NOUN
esutjss-178	155	8	analytics	analytic	NOUN
esutjss-178	155	9	,	,	PUNCT
esutjss-178	155	10	digital	digital	ADJ
esutjss-178	155	11	marketing	marketing	NOUN
esutjss-178	155	12	,	,	PUNCT
esutjss-178	155	13	and	and	CCONJ
esutjss-178	155	14	social	social	ADJ
esutjss-178	155	15	media	medium	NOUN
esutjss-178	155	16	management	management	NOUN
esutjss-178	155	17	are	be	AUX
esutjss-178	155	18	urgently	urgently	ADV
esutjss-178	155	19	required	require	VERB
esutjss-178	155	20	but	but	CCONJ
esutjss-178	155	21	lacking	lack	VERB
esutjss-178	155	22	among	among	ADP
esutjss-178	155	23	current	current	ADJ
esutjss-178	155	24	employees	employee	NOUN
esutjss-178	155	25	.	.	PUNCT
esutjss-178	156	1	issues	issue	NOUN
esutjss-178	156	2	extend	extend	VERB
esutjss-178	156	3	to	to	ADP
esutjss-178	156	4	the	the	DET
esutjss-178	156	5	education	education	NOUN
esutjss-178	156	6	system	system	NOUN
esutjss-178	156	7	,	,	PUNCT
esutjss-178	156	8	with	with	ADP
esutjss-178	156	9	universities	university	NOUN
esutjss-178	156	10	failing	fail	VERB
esutjss-178	156	11	to	to	PART
esutjss-178	156	12	equip	equip	VERB
esutjss-178	156	13	graduates	graduate	NOUN
esutjss-178	156	14	with	with	ADP
esutjss-178	156	15	expertise	expertise	NOUN
esutjss-178	156	16	aligned	align	VERB
esutjss-178	156	17	to	to	ADP
esutjss-178	156	18	industry	industry	NOUN
esutjss-178	156	19	digitalization	digitalization	NOUN
esutjss-178	156	20	.	.	PUNCT
esutjss-178	157	1	okonjo	okonjo	ADJ
esutjss-178	157	2	recommends	recommend	VERB
esutjss-178	157	3	collaborations	collaboration	NOUN
esutjss-178	157	4	between	between	ADP
esutjss-178	157	5	insurers	insurer	NOUN
esutjss-178	157	6	and	and	CCONJ
esutjss-178	157	7	academia	academia	NOUN
esutjss-178	157	8	to	to	PART
esutjss-178	157	9	reform	reform	VERB
esutjss-178	157	10	curriculums	curriculum	NOUN
esutjss-178	157	11	accordingly	accordingly	ADV
esutjss-178	157	12	.	.	PUNCT
esutjss-178	158	1	more	more	ADJ
esutjss-178	158	2	workplace	workplace	NOUN
esutjss-178	158	3	training	training	NOUN
esutjss-178	158	4	initiatives	initiative	NOUN
esutjss-178	158	5	are	be	AUX
esutjss-178	158	6	also	also	ADV
esutjss-178	158	7	called	call	VERB
esutjss-178	158	8	for	for	SCONJ
esutjss-178	158	9	to	to	PART
esutjss-178	158	10	upskill	upskill	VERB
esutjss-178	158	11	existing	exist	VERB
esutjss-178	158	12	talent	talent	NOUN
esutjss-178	158	13	.	.	PUNCT
esutjss-178	159	1	overall	overall	ADV
esutjss-178	159	2	,	,	PUNCT
esutjss-178	159	3	the	the	DET
esutjss-178	159	4	study	study	NOUN
esutjss-178	159	5	provides	provide	VERB
esutjss-178	159	6	empirical	empirical	ADJ
esutjss-178	159	7	evidence	evidence	NOUN
esutjss-178	159	8	that	that	SCONJ
esutjss-178	159	9	digital	digital	ADJ
esutjss-178	159	10	skills	skill	NOUN
esutjss-178	159	11	gaps	gap	NOUN
esutjss-178	159	12	are	be	AUX
esutjss-178	159	13	a	a	DET
esutjss-178	159	14	pressing	press	VERB
esutjss-178	159	15	concern	concern	NOUN
esutjss-178	159	16	for	for	ADP
esutjss-178	159	17	the	the	DET
esutjss-178	159	18	nigerian	nigerian	ADJ
esutjss-178	159	19	insurance	insurance	NOUN
esutjss-178	159	20	sector	sector	NOUN
esutjss-178	159	21	.	.	PUNCT
esutjss-178	160	1	it	it	PRON
esutjss-178	160	2	stresses	stress	VERB
esutjss-178	160	3	that	that	SCONJ
esutjss-178	160	4	action	action	NOUN
esutjss-178	160	5	is	be	AUX
esutjss-178	160	6	needed	need	VERB
esutjss-178	160	7	to	to	PART
esutjss-178	160	8	build	build	VERB
esutjss-178	160	9	partnerships	partnership	NOUN
esutjss-178	160	10	between	between	ADP
esutjss-178	160	11	industry	industry	NOUN
esutjss-178	160	12	and	and	CCONJ
esutjss-178	160	13	education	education	NOUN
esutjss-178	160	14	providers	provider	NOUN
esutjss-178	160	15	to	to	PART
esutjss-178	160	16	reform	reform	VERB
esutjss-178	160	17	training	training	NOUN
esutjss-178	160	18	and	and	CCONJ
esutjss-178	160	19	development	development	NOUN
esutjss-178	160	20	programs	program	NOUN
esutjss-178	160	21	.	.	PUNCT
esutjss-178	161	1	fostering	foster	VERB
esutjss-178	161	2	a	a	DET
esutjss-178	161	3	digitally	digitally	ADV
esutjss-178	161	4	-	-	PUNCT
esutjss-178	161	5	capable	capable	ADJ
esutjss-178	161	6	workforce	workforce	NOUN
esutjss-178	161	7	will	will	AUX
esutjss-178	161	8	be	be	AUX
esutjss-178	161	9	key	key	ADJ
esutjss-178	161	10	to	to	ADP
esutjss-178	161	11	realizing	realize	VERB
esutjss-178	161	12	the	the	DET
esutjss-178	161	13	benefits	benefit	NOUN
esutjss-178	161	14	of	of	ADP
esutjss-178	161	15	insurance	insurance	NOUN
esutjss-178	161	16	digital	digital	ADJ
esutjss-178	161	17	transformation	transformation	NOUN
esutjss-178	161	18	.	.	PUNCT
esutjss-178	162	1	okafor	okafor	PROPN
esutjss-178	162	2	and	and	CCONJ
esutjss-178	162	3	anene	anene	PROPN
esutjss-178	162	4	's	's	PART
esutjss-178	162	5	2020	2020	NUM
esutjss-178	162	6	case	case	NOUN
esutjss-178	162	7	study	study	NOUN
esutjss-178	162	8	analysis	analysis	NOUN
esutjss-178	162	9	aims	aim	VERB
esutjss-178	162	10	to	to	PART
esutjss-178	162	11	shed	shed	VERB
esutjss-178	162	12	light	light	NOUN
esutjss-178	162	13	on	on	ADP
esutjss-178	162	14	digital	digital	ADJ
esutjss-178	162	15	adoption	adoption	NOUN
esutjss-178	162	16	and	and	CCONJ
esutjss-178	162	17	resulting	result	VERB
esutjss-178	162	18	workforce	workforce	NOUN
esutjss-178	162	19	training	training	NOUN
esutjss-178	162	20	needs	need	NOUN
esutjss-178	162	21	within	within	ADP
esutjss-178	162	22	nigerian	nigerian	ADJ
esutjss-178	162	23	insurance	insurance	NOUN
esutjss-178	162	24	companies	company	NOUN
esutjss-178	162	25	.	.	PUNCT
esutjss-178	163	1	through	through	ADP
esutjss-178	163	2	interviews	interview	NOUN
esutjss-178	163	3	and	and	CCONJ
esutjss-178	163	4	document	document	NOUN
esutjss-178	163	5	analysis	analysis	NOUN
esutjss-178	163	6	at	at	ADP
esutjss-178	163	7	three	three	NUM
esutjss-178	163	8	major	major	ADJ
esutjss-178	163	9	insurers	insurer	NOUN
esutjss-178	163	10	,	,	PUNCT
esutjss-178	163	11	the	the	DET
esutjss-178	163	12	research	research	NOUN
esutjss-178	163	13	finds	find	VERB
esutjss-178	163	14	basic	basic	ADJ
esutjss-178	163	15	technologies	technology	NOUN
esutjss-178	163	16	like	like	ADP
esutjss-178	163	17	chatbots	chatbot	NOUN
esutjss-178	163	18	spreading	spread	VERB
esutjss-178	163	19	but	but	CCONJ
esutjss-178	163	20	specialized	specialized	ADJ
esutjss-178	163	21	skills	skill	NOUN
esutjss-178	163	22	in	in	ADP
esutjss-178	163	23	ai	ai	PROPN
esutjss-178	163	24	,	,	PUNCT
esutjss-178	163	25	machine	machine	NOUN
esutjss-178	163	26	learning	learning	NOUN
esutjss-178	163	27	,	,	PUNCT
esutjss-178	163	28	and	and	CCONJ
esutjss-178	163	29	ux	ux	PROPN
esutjss-178	163	30	design	design	NOUN
esutjss-178	163	31	remain	remain	VERB
esutjss-178	163	32	scarce	scarce	ADJ
esutjss-178	163	33	.	.	PUNCT
esutjss-178	164	1	while	while	SCONJ
esutjss-178	164	2	the	the	DET
esutjss-178	164	3	pace	pace	NOUN
esutjss-178	164	4	of	of	ADP
esutjss-178	164	5	digital	digital	ADJ
esutjss-178	164	6	tool	tool	NOUN
esutjss-178	164	7	deployment	deployment	NOUN
esutjss-178	164	8	is	be	AUX
esutjss-178	164	9	accelerating	accelerate	VERB
esutjss-178	164	10	,	,	PUNCT
esutjss-178	164	11	commensurate	commensurate	ADJ
esutjss-178	164	12	investment	investment	NOUN
esutjss-178	164	13	in	in	ADP
esutjss-178	164	14	developing	develop	VERB
esutjss-178	164	15	employee	employee	NOUN
esutjss-178	164	16	capabilities	capability	NOUN
esutjss-178	164	17	is	be	AUX
esutjss-178	164	18	lagging	lag	VERB
esutjss-178	164	19	.	.	PUNCT
esutjss-178	165	1	firms	firm	NOUN
esutjss-178	165	2	that	that	PRON
esutjss-178	165	3	do	do	AUX
esutjss-178	165	4	support	support	VERB
esutjss-178	165	5	more	more	ADV
esutjss-178	165	6	extensive	extensive	ADJ
esutjss-178	165	7	training	training	NOUN
esutjss-178	165	8	see	see	VERB
esutjss-178	165	9	higher	high	ADJ
esutjss-178	165	10	productivity	productivity	NOUN
esutjss-178	165	11	gains	gain	NOUN
esutjss-178	165	12	from	from	ADP
esutjss-178	165	13	digitalization	digitalization	NOUN
esutjss-178	165	14	.	.	PUNCT
esutjss-178	166	1	the	the	DET
esutjss-178	166	2	study	study	NOUN
esutjss-178	166	3	makes	make	VERB
esutjss-178	166	4	the	the	DET
esutjss-178	166	5	case	case	NOUN
esutjss-178	166	6	that	that	SCONJ
esutjss-178	166	7	insurers	insurer	NOUN
esutjss-178	166	8	must	must	AUX
esutjss-178	166	9	take	take	VERB
esutjss-178	166	10	greater	great	ADJ
esutjss-178	166	11	responsibility	responsibility	NOUN
esutjss-178	166	12	for	for	ADP
esutjss-178	166	13	upskilling	upskille	VERB
esutjss-178	166	14	staff	staff	NOUN
esutjss-178	166	15	in	in	ADP
esutjss-178	166	16	missing	miss	VERB
esutjss-178	166	17	competencies	competency	NOUN
esutjss-178	166	18	like	like	ADP
esutjss-178	166	19	data	datum	NOUN
esutjss-178	166	20	analytics	analytic	NOUN
esutjss-178	166	21	and	and	CCONJ
esutjss-178	166	22	digital	digital	ADJ
esutjss-178	166	23	marketing	marketing	NOUN
esutjss-178	166	24	.	.	PUNCT
esutjss-178	167	1	doing	do	VERB
esutjss-178	167	2	so	so	ADV
esutjss-178	167	3	will	will	AUX
esutjss-178	167	4	ensure	ensure	VERB
esutjss-178	167	5	employees	employee	NOUN
esutjss-178	167	6	can	can	AUX
esutjss-178	167	7	leverage	leverage	VERB
esutjss-178	167	8	new	new	ADJ
esutjss-178	167	9	technologies	technology	NOUN
esutjss-178	167	10	effectively	effectively	ADV
esutjss-178	167	11	,	,	PUNCT
esutjss-178	167	12	instead	instead	ADV
esutjss-178	167	13	of	of	ADP
esutjss-178	167	14	being	be	AUX
esutjss-178	167	15	displaced	displace	VERB
esutjss-178	167	16	by	by	ADP
esutjss-178	167	17	them	they	PRON
esutjss-178	167	18	.	.	PUNCT
esutjss-178	168	1	the	the	DET
esutjss-178	168	2	authors	author	NOUN
esutjss-178	168	3	conclude	conclude	VERB
esutjss-178	168	4	that	that	SCONJ
esutjss-178	168	5	dedicated	dedicated	ADJ
esutjss-178	168	6	training	training	NOUN
esutjss-178	168	7	initiatives	initiative	NOUN
esutjss-178	168	8	focused	focus	VERB
esutjss-178	168	9	on	on	ADP
esutjss-178	168	10	building	build	VERB
esutjss-178	168	11	advanced	advanced	ADJ
esutjss-178	168	12	digital	digital	ADJ
esutjss-178	168	13	fluency	fluency	NOUN
esutjss-178	168	14	are	be	AUX
esutjss-178	168	15	essential	essential	ADJ
esutjss-178	168	16	for	for	SCONJ
esutjss-178	168	17	firms	firm	NOUN
esutjss-178	168	18	to	to	PART
esutjss-178	168	19	capitalize	capitalize	VERB
esutjss-178	168	20	on	on	ADP
esutjss-178	168	21	the	the	DET
esutjss-178	168	22	promise	promise	NOUN
esutjss-178	168	23	of	of	ADP
esutjss-178	168	24	insurance	insurance	NOUN
esutjss-178	168	25	industry	industry	NOUN
esutjss-178	168	26	digital	digital	ADJ
esutjss-178	168	27	transformation	transformation	NOUN
esutjss-178	168	28	.	.	PUNCT
esutjss-178	169	1	as	as	SCONJ
esutjss-178	169	2	artificial	artificial	ADJ
esutjss-178	169	3	intelligence	intelligence	NOUN
esutjss-178	169	4	and	and	CCONJ
esutjss-178	169	5	automation	automation	NOUN
esutjss-178	169	6	transform	transform	VERB
esutjss-178	169	7	the	the	DET
esutjss-178	169	8	insurance	insurance	NOUN
esutjss-178	169	9	sector	sector	NOUN
esutjss-178	169	10	,	,	PUNCT
esutjss-178	169	11	what	what	PRON
esutjss-178	169	12	does	do	AUX
esutjss-178	169	13	this	this	DET
esutjss-178	169	14	digital	digital	ADJ
esutjss-178	169	15	transition	transition	NOUN
esutjss-178	169	16	mean	mean	VERB
esutjss-178	169	17	for	for	ADP
esutjss-178	169	18	employees	employee	NOUN
esutjss-178	169	19	?	?	PUNCT
esutjss-178	170	1	tunde	tunde	PROPN
esutjss-178	170	2	and	and	CCONJ
esutjss-178	170	3	fatokun	fatokun	NOUN
esutjss-178	170	4	's	's	PART
esutjss-178	170	5	2018	2018	NUM
esutjss-178	170	6	study	study	NOUN
esutjss-178	170	7	investigates	investigate	VERB
esutjss-178	170	8	this	this	DET
esutjss-178	170	9	question	question	NOUN
esutjss-178	170	10	,	,	PUNCT
esutjss-178	170	11	surveying	survey	VERB
esutjss-178	170	12	over	over	ADP
esutjss-178	170	13	500	500	NUM
esutjss-178	170	14	nigerian	nigerian	ADJ
esutjss-178	170	15	insurance	insurance	NOUN
esutjss-178	170	16	workers	worker	NOUN
esutjss-178	170	17	to	to	PART
esutjss-178	170	18	gauge	gauge	VERB
esutjss-178	170	19	their	their	PRON
esutjss-178	170	20	perceptions	perception	NOUN
esutjss-178	170	21	and	and	CCONJ
esutjss-178	170	22	concerns	concern	NOUN
esutjss-178	170	23	.	.	PUNCT
esutjss-178	171	1	analysis	analysis	NOUN
esutjss-178	171	2	of	of	ADP
esutjss-178	171	3	the	the	DET
esutjss-178	171	4	survey	survey	NOUN
esutjss-178	171	5	results	result	NOUN
esutjss-178	171	6	reveals	reveal	VERB
esutjss-178	171	7	high	high	ADJ
esutjss-178	171	8	anxiety	anxiety	NOUN
esutjss-178	171	9	over	over	ADP
esutjss-178	171	10	potential	potential	ADJ
esutjss-178	171	11	job	job	NOUN
esutjss-178	171	12	loss	loss	NOUN
esutjss-178	171	13	due	due	ADP
esutjss-178	171	14	to	to	ADP
esutjss-178	171	15	ai	ai	VERB
esutjss-178	171	16	and	and	CCONJ
esutjss-178	171	17	automation	automation	NOUN
esutjss-178	171	18	.	.	PUNCT
esutjss-178	172	1	older	old	ADJ
esutjss-178	172	2	employees	employee	NOUN
esutjss-178	172	3	and	and	CCONJ
esutjss-178	172	4	those	those	PRON
esutjss-178	172	5	with	with	ADP
esutjss-178	172	6	lower	low	ADJ
esutjss-178	172	7	education	education	NOUN
esutjss-178	172	8	levels	level	NOUN
esutjss-178	172	9	seem	seem	VERB
esutjss-178	172	10	especially	especially	ADV
esutjss-178	172	11	vulnerable	vulnerable	ADJ
esutjss-178	172	12	to	to	ADP
esutjss-178	172	13	displacement	displacement	NOUN
esutjss-178	172	14	.	.	PUNCT
esutjss-178	173	1	rather	rather	ADV
esutjss-178	173	2	than	than	ADP
esutjss-178	173	3	leaving	leave	VERB
esutjss-178	173	4	these	these	DET
esutjss-178	173	5	groups	group	NOUN
esutjss-178	173	6	behind	behind	ADP
esutjss-178	173	7	,	,	PUNCT
esutjss-178	173	8	the	the	DET
esutjss-178	173	9	study	study	NOUN
esutjss-178	173	10	argues	argue	VERB
esutjss-178	173	11	that	that	SCONJ
esutjss-178	173	12	targeted	target	VERB
esutjss-178	173	13	reskilling	reskille	VERB
esutjss-178	173	14	programs	program	NOUN
esutjss-178	173	15	could	could	AUX
esutjss-178	173	16	support	support	VERB
esutjss-178	173	17	their	their	PRON
esutjss-178	173	18	transition	transition	NOUN
esutjss-178	173	19	to	to	ADP
esutjss-178	173	20	new	new	ADJ
esutjss-178	173	21	roles	role	NOUN
esutjss-178	173	22	suited	suit	VERB
esutjss-178	173	23	for	for	ADP
esutjss-178	173	24	the	the	DET
esutjss-178	173	25	digital	digital	ADJ
esutjss-178	173	26	age	age	NOUN
esutjss-178	173	27	.	.	PUNCT
esutjss-178	174	1	focused	focus	VERB
esutjss-178	174	2	training	training	NOUN
esutjss-178	174	3	initiatives	initiative	NOUN
esutjss-178	174	4	may	may	AUX
esutjss-178	174	5	help	help	VERB
esutjss-178	174	6	quell	quell	VERB
esutjss-178	174	7	fears	fear	NOUN
esutjss-178	174	8	over	over	ADP
esutjss-178	174	9	ai	ai	NOUN
esutjss-178	174	10	and	and	CCONJ
esutjss-178	174	11	automation	automation	NOUN
esutjss-178	174	12	by	by	ADP
esutjss-178	174	13	equipping	equip	VERB
esutjss-178	174	14	susceptible	susceptible	ADJ
esutjss-178	174	15	demographics	demographic	NOUN
esutjss-178	174	16	with	with	ADP
esutjss-178	174	17	the	the	DET
esutjss-178	174	18	skills	skill	NOUN
esutjss-178	174	19	needed	need	VERB
esutjss-178	174	20	to	to	ADP
esutjss-178	174	21	harness	harness	NOUN
esutjss-178	174	22	,	,	PUNCT
esutjss-178	174	23	rather	rather	ADV
esutjss-178	174	24	than	than	SCONJ
esutjss-178	174	25	be	be	AUX
esutjss-178	174	26	replaced	replace	VERB
esutjss-178	174	27	by	by	ADP
esutjss-178	174	28	,	,	PUNCT
esutjss-178	174	29	these	these	DET
esutjss-178	174	30	emerging	emerge	VERB
esutjss-178	174	31	technologies	technology	NOUN
esutjss-178	174	32	.	.	PUNCT
esutjss-178	175	1	overall	overall	ADV
esutjss-178	175	2	,	,	PUNCT
esutjss-178	175	3	the	the	DET
esutjss-178	175	4	research	research	NOUN
esutjss-178	175	5	provides	provide	VERB
esutjss-178	175	6	vital	vital	ADJ
esutjss-178	175	7	insights	insight	NOUN
esutjss-178	175	8	into	into	ADP
esutjss-178	175	9	how	how	SCONJ
esutjss-178	175	10	nigerian	nigerian	ADJ
esutjss-178	175	11	74	74	NUM
esutjss-178	175	12	insurance	insurance	NOUN
esutjss-178	175	13	employees	employee	NOUN
esutjss-178	175	14	view	view	VERB
esutjss-178	175	15	the	the	DET
esutjss-178	175	16	impacts	impact	NOUN
esutjss-178	175	17	of	of	ADP
esutjss-178	175	18	digital	digital	ADJ
esutjss-178	175	19	transformation	transformation	NOUN
esutjss-178	175	20	on	on	ADP
esutjss-178	175	21	their	their	PRON
esutjss-178	175	22	job	job	NOUN
esutjss-178	175	23	security	security	NOUN
esutjss-178	175	24	and	and	CCONJ
esutjss-178	175	25	livelihoods	livelihood	NOUN
esutjss-178	175	26	.	.	PUNCT
esutjss-178	176	1	it	it	PRON
esutjss-178	176	2	emphasizes	emphasize	VERB
esutjss-178	176	3	that	that	SCONJ
esutjss-178	176	4	supporting	support	VERB
esutjss-178	176	5	and	and	CCONJ
esutjss-178	176	6	upskilling	upskille	VERB
esutjss-178	176	7	worried	worried	ADJ
esutjss-178	176	8	workers	worker	NOUN
esutjss-178	176	9	will	will	AUX
esutjss-178	176	10	be	be	AUX
esutjss-178	176	11	critical	critical	ADJ
esutjss-178	176	12	for	for	ADP
esutjss-178	176	13	managing	manage	VERB
esutjss-178	176	14	a	a	DET
esutjss-178	176	15	socially	socially	ADV
esutjss-178	176	16	responsible	responsible	ADJ
esutjss-178	176	17	workforce	workforce	NOUN
esutjss-178	176	18	transition	transition	NOUN
esutjss-178	176	19	.	.	PUNCT
esutjss-178	177	1	usman	usman	PROPN
esutjss-178	177	2	's	's	PART
esutjss-178	177	3	2020	2020	NUM
esutjss-178	177	4	qualitative	qualitative	ADJ
esutjss-178	177	5	study	study	NOUN
esutjss-178	177	6	utilizes	utilize	VERB
esutjss-178	177	7	interviews	interview	NOUN
esutjss-178	177	8	with	with	ADP
esutjss-178	177	9	human	human	ADJ
esutjss-178	177	10	resource	resource	NOUN
esutjss-178	177	11	managers	manager	NOUN
esutjss-178	177	12	at	at	ADP
esutjss-178	177	13	nigerian	nigerian	ADJ
esutjss-178	177	14	insurance	insurance	NOUN
esutjss-178	177	15	firms	firm	NOUN
esutjss-178	177	16	to	to	PART
esutjss-178	177	17	provide	provide	VERB
esutjss-178	177	18	insights	insight	NOUN
esutjss-178	177	19	into	into	ADP
esutjss-178	177	20	workforce	workforce	NOUN
esutjss-178	177	21	skills	skill	NOUN
esutjss-178	177	22	gaps	gap	NOUN
esutjss-178	177	23	and	and	CCONJ
esutjss-178	177	24	development	development	NOUN
esutjss-178	177	25	needs	need	NOUN
esutjss-178	177	26	in	in	ADP
esutjss-178	177	27	the	the	DET
esutjss-178	177	28	digital	digital	ADJ
esutjss-178	177	29	era	era	NOUN
esutjss-178	177	30	.	.	PUNCT
esutjss-178	178	1	thematic	thematic	ADJ
esutjss-178	178	2	analysis	analysis	NOUN
esutjss-178	178	3	of	of	ADP
esutjss-178	178	4	the	the	DET
esutjss-178	178	5	discussions	discussion	NOUN
esutjss-178	178	6	reveals	reveal	VERB
esutjss-178	178	7	deficiencies	deficiency	NOUN
esutjss-178	178	8	in	in	ADP
esutjss-178	178	9	sought	seek	VERB
esutjss-178	178	10	-	-	PUNCT
esutjss-178	178	11	after	after	ADP
esutjss-178	178	12	capabilities	capability	NOUN
esutjss-178	178	13	like	like	ADP
esutjss-178	178	14	data	datum	NOUN
esutjss-178	178	15	analytics	analytic	NOUN
esutjss-178	178	16	,	,	PUNCT
esutjss-178	178	17	digital	digital	ADJ
esutjss-178	178	18	marketing	marketing	NOUN
esutjss-178	178	19	,	,	PUNCT
esutjss-178	178	20	and	and	CCONJ
esutjss-178	178	21	information	information	NOUN
esutjss-178	178	22	technology	technology	NOUN
esutjss-178	178	23	.	.	PUNCT
esutjss-178	179	1	however	however	ADV
esutjss-178	179	2	,	,	PUNCT
esutjss-178	179	3	few	few	ADJ
esutjss-178	179	4	insurers	insurer	NOUN
esutjss-178	179	5	have	have	AUX
esutjss-178	179	6	implemented	implement	VERB
esutjss-178	179	7	comprehensive	comprehensive	ADJ
esutjss-178	179	8	policies	policy	NOUN
esutjss-178	179	9	to	to	PART
esutjss-178	179	10	address	address	VERB
esutjss-178	179	11	these	these	DET
esutjss-178	179	12	talent	talent	NOUN
esutjss-178	179	13	shortcomings	shortcoming	NOUN
esutjss-178	179	14	.	.	PUNCT
esutjss-178	180	1	the	the	DET
esutjss-178	180	2	author	author	NOUN
esutjss-178	180	3	highlights	highlight	VERB
esutjss-178	180	4	the	the	DET
esutjss-178	180	5	urgent	urgent	ADJ
esutjss-178	180	6	need	need	NOUN
esutjss-178	180	7	for	for	ADP
esutjss-178	180	8	greater	great	ADJ
esutjss-178	180	9	public	public	ADJ
esutjss-178	180	10	-	-	PUNCT
esutjss-178	180	11	private	private	ADJ
esutjss-178	180	12	collaboration	collaboration	NOUN
esutjss-178	180	13	to	to	PART
esutjss-178	180	14	strengthen	strengthen	VERB
esutjss-178	180	15	workforce	workforce	NOUN
esutjss-178	180	16	readiness	readiness	NOUN
esutjss-178	180	17	as	as	ADP
esutjss-178	180	18	the	the	DET
esutjss-178	180	19	industry	industry	NOUN
esutjss-178	180	20	transitions	transition	NOUN
esutjss-178	180	21	to	to	ADP
esutjss-178	180	22	digital	digital	ADJ
esutjss-178	180	23	operations	operation	NOUN
esutjss-178	180	24	.	.	PUNCT
esutjss-178	181	1	bolstered	bolster	VERB
esutjss-178	181	2	policy	policy	NOUN
esutjss-178	181	3	incentives	incentive	NOUN
esutjss-178	181	4	encouraging	encourage	VERB
esutjss-178	181	5	insurers	insurer	NOUN
esutjss-178	181	6	to	to	PART
esutjss-178	181	7	invest	invest	VERB
esutjss-178	181	8	in	in	ADP
esutjss-178	181	9	upskilling	upskille	VERB
esutjss-178	181	10	initiatives	initiative	NOUN
esutjss-178	181	11	could	could	AUX
esutjss-178	181	12	help	help	VERB
esutjss-178	181	13	spur	spur	VERB
esutjss-178	181	14	development	development	NOUN
esutjss-178	181	15	of	of	ADP
esutjss-178	181	16	fluency	fluency	NOUN
esutjss-178	181	17	in	in	ADP
esutjss-178	181	18	key	key	ADJ
esutjss-178	181	19	technical	technical	ADJ
esutjss-178	181	20	skills	skill	NOUN
esutjss-178	181	21	among	among	ADP
esutjss-178	181	22	employees	employee	NOUN
esutjss-178	181	23	.	.	PUNCT
esutjss-178	182	1	partnerships	partnership	NOUN
esutjss-178	182	2	with	with	ADP
esutjss-178	182	3	education	education	NOUN
esutjss-178	182	4	providers	provider	NOUN
esutjss-178	182	5	may	may	AUX
esutjss-178	182	6	also	also	ADV
esutjss-178	182	7	help	help	VERB
esutjss-178	182	8	align	align	VERB
esutjss-178	182	9	curriculums	curriculum	NOUN
esutjss-178	182	10	with	with	ADP
esutjss-178	182	11	the	the	DET
esutjss-178	182	12	changing	change	VERB
esutjss-178	182	13	demands	demand	NOUN
esutjss-178	182	14	of	of	ADP
esutjss-178	182	15	a	a	DET
esutjss-178	182	16	digitized	digitize	VERB
esutjss-178	182	17	industry	industry	NOUN
esutjss-178	182	18	.	.	PUNCT
esutjss-178	183	1	overall	overall	ADV
esutjss-178	183	2	,	,	PUNCT
esutjss-178	183	3	the	the	DET
esutjss-178	183	4	research	research	NOUN
esutjss-178	183	5	empirically	empirically	ADV
esutjss-178	183	6	demonstrates	demonstrate	VERB
esutjss-178	183	7	that	that	SCONJ
esutjss-178	183	8	skills	skill	NOUN
esutjss-178	183	9	gaps	gap	NOUN
esutjss-178	183	10	abound	abound	VERB
esutjss-178	183	11	within	within	ADP
esutjss-178	183	12	nigerian	nigerian	ADJ
esutjss-178	183	13	insurers	insurer	NOUN
esutjss-178	183	14	'	'	PART
esutjss-178	183	15	workforces	workforce	NOUN
esutjss-178	183	16	as	as	SCONJ
esutjss-178	183	17	virtual	virtual	ADJ
esutjss-178	183	18	technologies	technology	NOUN
esutjss-178	183	19	reshape	reshape	VERB
esutjss-178	183	20	the	the	DET
esutjss-178	183	21	sector	sector	NOUN
esutjss-178	183	22	.	.	PUNCT
esutjss-178	184	1	it	it	PRON
esutjss-178	184	2	argues	argue	VERB
esutjss-178	184	3	for	for	ADP
esutjss-178	184	4	strengthened	strengthen	VERB
esutjss-178	184	5	training	training	NOUN
esutjss-178	184	6	programs	program	NOUN
esutjss-178	184	7	and	and	CCONJ
esutjss-178	184	8	coordinated	coordinated	ADJ
esutjss-178	184	9	action	action	NOUN
esutjss-178	184	10	between	between	ADP
esutjss-178	184	11	government	government	NOUN
esutjss-178	184	12	,	,	PUNCT
esutjss-178	184	13	academia	academia	NOUN
esutjss-178	184	14	,	,	PUNCT
esutjss-178	184	15	and	and	CCONJ
esutjss-178	184	16	industry	industry	NOUN
esutjss-178	184	17	to	to	PART
esutjss-178	184	18	equip	equip	VERB
esutjss-178	184	19	talent	talent	NOUN
esutjss-178	184	20	with	with	ADP
esutjss-178	184	21	the	the	DET
esutjss-178	184	22	expertise	expertise	NOUN
esutjss-178	184	23	required	require	VERB
esutjss-178	184	24	for	for	ADP
esutjss-178	184	25	the	the	DET
esutjss-178	184	26	digital	digital	ADJ
esutjss-178	184	27	future	future	NOUN
esutjss-178	184	28	.	.	PUNCT
esutjss-178	185	1	methodology	methodology	NOUN
esutjss-178	185	2	this	this	DET
esutjss-178	185	3	study	study	NOUN
esutjss-178	185	4	employs	employ	VERB
esutjss-178	185	5	a	a	DET
esutjss-178	185	6	quantitative	quantitative	ADJ
esutjss-178	185	7	research	research	NOUN
esutjss-178	185	8	design	design	NOUN
esutjss-178	185	9	to	to	PART
esutjss-178	185	10	investigate	investigate	VERB
esutjss-178	185	11	impact	impact	NOUN
esutjss-178	185	12	of	of	ADP
esutjss-178	185	13	digital	digital	ADJ
esutjss-178	185	14	transformation	transformation	NOUN
esutjss-178	185	15	on	on	ADP
esutjss-178	185	16	the	the	DET
esutjss-178	185	17	skills	skill	NOUN
esutjss-178	185	18	and	and	CCONJ
esutjss-178	185	19	workforce	workforce	NOUN
esutjss-178	185	20	requirements	requirement	NOUN
esutjss-178	185	21	of	of	ADP
esutjss-178	185	22	the	the	DET
esutjss-178	185	23	nigerian	nigerian	ADJ
esutjss-178	185	24	insurance	insurance	NOUN
esutjss-178	185	25	industry	industry	NOUN
esutjss-178	185	26	.	.	PUNCT
esutjss-178	186	1	the	the	DET
esutjss-178	186	2	use	use	NOUN
esutjss-178	186	3	of	of	ADP
esutjss-178	186	4	a	a	DET
esutjss-178	186	5	quantitative	quantitative	ADJ
esutjss-178	186	6	research	research	NOUN
esutjss-178	186	7	design	design	NOUN
esutjss-178	186	8	is	be	AUX
esutjss-178	186	9	appropriate	appropriate	ADJ
esutjss-178	186	10	given	give	VERB
esutjss-178	186	11	the	the	DET
esutjss-178	186	12	study	study	NOUN
esutjss-178	186	13	aims	aim	VERB
esutjss-178	186	14	to	to	PART
esutjss-178	186	15	quantify	quantify	VERB
esutjss-178	186	16	perceptions	perception	NOUN
esutjss-178	186	17	of	of	ADP
esutjss-178	186	18	workforce	workforce	NOUN
esutjss-178	186	19	skills	skill	NOUN
esutjss-178	186	20	,	,	PUNCT
esutjss-178	186	21	training	training	NOUN
esutjss-178	186	22	investment	investment	NOUN
esutjss-178	186	23	,	,	PUNCT
esutjss-178	186	24	and	and	CCONJ
esutjss-178	186	25	talent	talent	NOUN
esutjss-178	186	26	factors	factor	NOUN
esutjss-178	186	27	in	in	ADP
esutjss-178	186	28	the	the	DET
esutjss-178	186	29	insurance	insurance	NOUN
esutjss-178	186	30	industry	industry	NOUN
esutjss-178	186	31	.	.	PUNCT
esutjss-178	187	1	quantitative	quantitative	ADJ
esutjss-178	187	2	data	datum	NOUN
esutjss-178	187	3	allows	allow	VERB
esutjss-178	187	4	for	for	ADP
esutjss-178	187	5	statistical	statistical	ADJ
esutjss-178	187	6	analysis	analysis	NOUN
esutjss-178	187	7	to	to	PART
esutjss-178	187	8	test	test	NOUN
esutjss-178	187	9	hypotheses	hypothesis	NOUN
esutjss-178	187	10	and	and	CCONJ
esutjss-178	187	11	draw	draw	VERB
esutjss-178	187	12	conclusions	conclusion	NOUN
esutjss-178	187	13	.	.	PUNCT
esutjss-178	188	1	the	the	DET
esutjss-178	188	2	population	population	NOUN
esutjss-178	188	3	under	under	ADP
esutjss-178	188	4	consideration	consideration	NOUN
esutjss-178	188	5	consists	consist	NOUN
esutjss-178	188	6	of	of	ADP
esutjss-178	188	7	insurance	insurance	NOUN
esutjss-178	188	8	companies	company	NOUN
esutjss-178	188	9	within	within	ADP
esutjss-178	188	10	lagos	lagos	NOUN
esutjss-178	188	11	state	state	NOUN
esutjss-178	188	12	,	,	PUNCT
esutjss-178	188	13	which	which	PRON
esutjss-178	188	14	is	be	AUX
esutjss-178	188	15	a	a	DET
esutjss-178	188	16	diverse	diverse	ADJ
esutjss-178	188	17	and	and	CCONJ
esutjss-178	188	18	economically	economically	ADV
esutjss-178	188	19	significant	significant	ADJ
esutjss-178	188	20	region	region	NOUN
esutjss-178	188	21	in	in	ADP
esutjss-178	188	22	nigeria	nigeria	PROPN
esutjss-178	188	23	.	.	PUNCT
esutjss-178	189	1	focusing	focus	VERB
esutjss-178	189	2	on	on	ADP
esutjss-178	189	3	insurance	insurance	NOUN
esutjss-178	189	4	companies	company	NOUN
esutjss-178	189	5	in	in	ADP
esutjss-178	189	6	lagos	lagos	NOUN
esutjss-178	189	7	state	state	NOUN
esutjss-178	189	8	makes	make	VERB
esutjss-178	189	9	sense	sense	NOUN
esutjss-178	189	10	as	as	ADP
esutjss-178	189	11	a	a	DET
esutjss-178	189	12	diverse	diverse	ADJ
esutjss-178	189	13	,	,	PUNCT
esutjss-178	189	14	economically	economically	ADV
esutjss-178	189	15	significant	significant	ADJ
esutjss-178	189	16	region	region	NOUN
esutjss-178	189	17	.	.	PUNCT
esutjss-178	190	1	this	this	PRON
esutjss-178	190	2	provides	provide	VERB
esutjss-178	190	3	a	a	DET
esutjss-178	190	4	useful	useful	ADJ
esutjss-178	190	5	representation	representation	NOUN
esutjss-178	190	6	of	of	ADP
esutjss-178	190	7	the	the	DET
esutjss-178	190	8	wider	wide	ADJ
esutjss-178	190	9	nigerian	nigerian	ADJ
esutjss-178	190	10	insurance	insurance	NOUN
esutjss-178	190	11	sector	sector	NOUN
esutjss-178	190	12	.	.	PUNCT
esutjss-178	191	1	the	the	DET
esutjss-178	191	2	study	study	NOUN
esutjss-178	191	3	utilized	utilize	VERB
esutjss-178	191	4	simple	simple	ADJ
esutjss-178	191	5	random	random	ADJ
esutjss-178	191	6	sampling	sampling	NOUN
esutjss-178	191	7	to	to	PART
esutjss-178	191	8	ensure	ensure	VERB
esutjss-178	191	9	representative	representative	ADJ
esutjss-178	191	10	samples	sample	NOUN
esutjss-178	191	11	from	from	ADP
esutjss-178	191	12	different	different	ADJ
esutjss-178	191	13	insurance	insurance	NOUN
esutjss-178	191	14	companies	company	NOUN
esutjss-178	191	15	.	.	PUNCT
esutjss-178	192	1	the	the	DET
esutjss-178	192	2	sample	sample	NOUN
esutjss-178	192	3	size	size	NOUN
esutjss-178	192	4	for	for	ADP
esutjss-178	192	5	this	this	DET
esutjss-178	192	6	study	study	NOUN
esutjss-178	192	7	was	be	AUX
esutjss-178	192	8	determined	determine	VERB
esutjss-178	192	9	using	use	VERB
esutjss-178	192	10	the	the	DET
esutjss-178	192	11	krejcie	krejcie	NOUN
esutjss-178	192	12	and	and	CCONJ
esutjss-178	192	13	morgan	morgan	PROPN
esutjss-178	192	14	table	table	NOUN
esutjss-178	192	15	,	,	PUNCT
esutjss-178	192	16	a	a	DET
esutjss-178	192	17	widely	widely	ADV
esutjss-178	192	18	accepted	accept	VERB
esutjss-178	192	19	method	method	NOUN
esutjss-178	192	20	for	for	ADP
esutjss-178	192	21	calculating	calculate	VERB
esutjss-178	192	22	sample	sample	NOUN
esutjss-178	192	23	sizes	size	NOUN
esutjss-178	192	24	in	in	ADP
esutjss-178	192	25	research	research	NOUN
esutjss-178	192	26	.	.	PUNCT
esutjss-178	193	1	the	the	DET
esutjss-178	193	2	researchers	researcher	NOUN
esutjss-178	193	3	considered	consider	VERB
esutjss-178	193	4	factors	factor	NOUN
esutjss-178	193	5	such	such	ADJ
esutjss-178	193	6	as	as	ADP
esutjss-178	193	7	confidence	confidence	NOUN
esutjss-178	193	8	level	level	NOUN
esutjss-178	193	9	and	and	CCONJ
esutjss-178	193	10	margin	margin	NOUN
esutjss-178	193	11	of	of	ADP
esutjss-178	193	12	error	error	NOUN
esutjss-178	193	13	to	to	PART
esutjss-178	193	14	arrive	arrive	VERB
esutjss-178	193	15	at	at	ADP
esutjss-178	193	16	an	an	DET
esutjss-178	193	17	appropriate	appropriate	ADJ
esutjss-178	193	18	sample	sample	NOUN
esutjss-178	193	19	size	size	NOUN
esutjss-178	193	20	that	that	PRON
esutjss-178	193	21	ensures	ensure	VERB
esutjss-178	193	22	the	the	DET
esutjss-178	193	23	study	study	NOUN
esutjss-178	193	24	's	's	PART
esutjss-178	193	25	findings	finding	NOUN
esutjss-178	193	26	are	be	AUX
esutjss-178	193	27	statistically	statistically	ADV
esutjss-178	193	28	significant	significant	ADJ
esutjss-178	193	29	and	and	CCONJ
esutjss-178	193	30	representative	representative	NOUN
esutjss-178	193	31	of	of	ADP
esutjss-178	193	32	the	the	DET
esutjss-178	193	33	larger	large	ADJ
esutjss-178	193	34	population	population	NOUN
esutjss-178	193	35	of	of	ADP
esutjss-178	193	36	insurance	insurance	NOUN
esutjss-178	193	37	companies	company	NOUN
esutjss-178	193	38	in	in	ADP
esutjss-178	193	39	lagos	lagos	NOUN
esutjss-178	193	40	state	state	NOUN
esutjss-178	193	41	.	.	PUNCT
esutjss-178	194	1	applying	apply	VERB
esutjss-178	194	2	simple	simple	ADJ
esutjss-178	194	3	random	random	ADJ
esutjss-178	194	4	sampling	sampling	NOUN
esutjss-178	194	5	ensures	ensure	VERB
esutjss-178	194	6	diverse	diverse	ADJ
esutjss-178	194	7	companies	company	NOUN
esutjss-178	194	8	are	be	AUX
esutjss-178	194	9	included	include	VERB
esutjss-178	194	10	without	without	ADP
esutjss-178	194	11	bias	bias	NOUN
esutjss-178	194	12	,	,	PUNCT
esutjss-178	194	13	supporting	support	VERB
esutjss-178	194	14	generalizability	generalizability	NOUN
esutjss-178	194	15	of	of	ADP
esutjss-178	194	16	findings	finding	NOUN
esutjss-178	194	17	.	.	PUNCT
esutjss-178	195	1	the	the	DET
esutjss-178	195	2	krejcie	krejcie	PROPN
esutjss-178	195	3	and	and	CCONJ
esutjss-178	195	4	morgan	morgan	PROPN
esutjss-178	195	5	table	table	NOUN
esutjss-178	195	6	provides	provide	VERB
esutjss-178	195	7	a	a	DET
esutjss-178	195	8	standard	standard	ADJ
esutjss-178	195	9	formula	formula	NOUN
esutjss-178	195	10	for	for	ADP
esutjss-178	195	11	determining	determine	VERB
esutjss-178	195	12	sample	sample	NOUN
esutjss-178	195	13	sizes	size	NOUN
esutjss-178	195	14	that	that	PRON
esutjss-178	195	15	produce	produce	VERB
esutjss-178	195	16	statistically	statistically	ADV
esutjss-178	195	17	valid	valid	ADJ
esutjss-178	195	18	results	result	NOUN
esutjss-178	195	19	at	at	ADP
esutjss-178	195	20	desired	desire	VERB
esutjss-178	195	21	confidence	confidence	NOUN
esutjss-178	195	22	levels	level	NOUN
esutjss-178	195	23	.	.	PUNCT
esutjss-178	196	1	this	this	PRON
esutjss-178	196	2	enhances	enhance	VERB
esutjss-178	196	3	reliability	reliability	NOUN
esutjss-178	196	4	.	.	PUNCT
esutjss-178	197	1	data	datum	NOUN
esutjss-178	197	2	was	be	AUX
esutjss-178	197	3	collected	collect	VERB
esutjss-178	197	4	through	through	ADP
esutjss-178	197	5	structured	structured	ADJ
esutjss-178	197	6	questionnaires	questionnaire	NOUN
esutjss-178	197	7	distributed	distribute	VERB
esutjss-178	197	8	to	to	ADP
esutjss-178	197	9	the	the	DET
esutjss-178	197	10	selected	select	VERB
esutjss-178	197	11	insurance	insurance	NOUN
esutjss-178	197	12	.	.	PUNCT
esutjss-178	198	1	the	the	DET
esutjss-178	198	2	questionnaire	questionnaire	NOUN
esutjss-178	198	3	was	be	AUX
esutjss-178	198	4	designed	design	VERB
esutjss-178	198	5	to	to	PART
esutjss-178	198	6	capture	capture	VERB
esutjss-178	198	7	information	information	NOUN
esutjss-178	198	8	about	about	ADP
esutjss-178	198	9	the	the	DET
esutjss-178	198	10	demographic	demographic	ADJ
esutjss-178	198	11	details	detail	NOUN
esutjss-178	198	12	of	of	ADP
esutjss-178	198	13	the	the	DET
esutjss-178	198	14	insured	insure	VERB
esutjss-178	198	15	as	as	ADV
esutjss-178	198	16	well	well	ADV
esutjss-178	198	17	as	as	ADP
esutjss-178	198	18	details	detail	NOUN
esutjss-178	198	19	related	relate	VERB
esutjss-178	198	20	to	to	ADP
esutjss-178	198	21	the	the	DET
esutjss-178	198	22	objectives	objective	NOUN
esutjss-178	198	23	of	of	ADP
esutjss-178	198	24	the	the	DET
esutjss-178	198	25	study	study	NOUN
esutjss-178	198	26	.	.	PUNCT
esutjss-178	199	1	survey	survey	NOUN
esutjss-178	199	2	questionnaires	questionnaire	NOUN
esutjss-178	199	3	allow	allow	VERB
esutjss-178	199	4	standardized	standardized	ADJ
esutjss-178	199	5	data	datum	NOUN
esutjss-178	199	6	collection	collection	NOUN
esutjss-178	199	7	aligning	align	VERB
esutjss-178	199	8	directly	directly	ADV
esutjss-178	199	9	with	with	ADP
esutjss-178	199	10	research	research	NOUN
esutjss-178	199	11	objectives	objective	NOUN
esutjss-178	199	12	.	.	PUNCT
esutjss-178	200	1	careful	careful	ADJ
esutjss-178	200	2	questionnaire	questionnaire	NOUN
esutjss-178	200	3	design	design	NOUN
esutjss-178	200	4	and	and	CCONJ
esutjss-178	200	5	alignment	alignment	NOUN
esutjss-178	200	6	with	with	ADP
esutjss-178	200	7	objectives	objective	NOUN
esutjss-178	200	8	strengthens	strengthen	VERB
esutjss-178	200	9	consistency	consistency	NOUN
esutjss-178	200	10	and	and	CCONJ
esutjss-178	200	11	relevance	relevance	NOUN
esutjss-178	200	12	of	of	ADP
esutjss-178	200	13	data	datum	NOUN
esutjss-178	200	14	.	.	PUNCT
esutjss-178	201	1	the	the	DET
esutjss-178	201	2	collected	collect	VERB
esutjss-178	201	3	data	datum	NOUN
esutjss-178	201	4	was	be	AUX
esutjss-178	201	5	analysed	analyse	VERB
esutjss-178	201	6	using	use	VERB
esutjss-178	201	7	chi	chi	ADJ
esutjss-178	201	8	-	-	PUNCT
esutjss-178	201	9	square	square	ADJ
esutjss-178	201	10	tests	test	NOUN
esutjss-178	201	11	to	to	PART
esutjss-178	201	12	compare	compare	VERB
esutjss-178	201	13	digital	digital	ADJ
esutjss-178	201	14	skills	skill	NOUN
esutjss-178	201	15	importance	importance	NOUN
esutjss-178	201	16	rankings	ranking	NOUN
esutjss-178	201	17	and	and	CCONJ
esutjss-178	201	18	t	t	NOUN
esutjss-178	201	19	-	-	PUNCT
esutjss-178	201	20	tests	test	NOUN
esutjss-178	201	21	to	to	PART
esutjss-178	201	22	compare	compare	VERB
esutjss-178	201	23	sample	sample	NOUN
esutjss-178	201	24	means	mean	NOUN
esutjss-178	201	25	and	and	CCONJ
esutjss-178	201	26	test	test	VERB
esutjss-178	201	27	the	the	DET
esutjss-178	201	28	formulated	formulate	VERB
esutjss-178	201	29	hypotheses	hypothesis	NOUN
esutjss-178	201	30	.	.	PUNCT
esutjss-178	202	1	the	the	DET
esutjss-178	202	2	choice	choice	NOUN
esutjss-178	202	3	of	of	ADP
esutjss-178	202	4	chi	chi	NOUN
esutjss-178	202	5	-	-	PUNCT
esutjss-178	202	6	square	square	PROPN
esutjss-178	202	7	and	and	CCONJ
esutjss-178	202	8	t	t	NOUN
esutjss-178	202	9	-	-	PUNCT
esutjss-178	202	10	tests	test	NOUN
esutjss-178	202	11	matches	match	VERB
esutjss-178	202	12	the	the	DET
esutjss-178	202	13	type	type	NOUN
esutjss-178	202	14	of	of	ADP
esutjss-178	202	15	quantitative	quantitative	ADJ
esutjss-178	202	16	data	datum	NOUN
esutjss-178	202	17	and	and	CCONJ
esutjss-178	202	18	hypotheses	hypothesis	NOUN
esutjss-178	202	19	.	.	PUNCT
esutjss-178	203	1	chi	chi	ADJ
esutjss-178	203	2	-	-	PUNCT
esutjss-178	203	3	square	square	ADJ
esutjss-178	203	4	75	75	NUM
esutjss-178	203	5	compares	compare	NOUN
esutjss-178	203	6	skill	skill	NOUN
esutjss-178	203	7	rankings	ranking	NOUN
esutjss-178	203	8	,	,	PUNCT
esutjss-178	203	9	while	while	SCONJ
esutjss-178	203	10	t	t	NOUN
esutjss-178	203	11	-	-	PUNCT
esutjss-178	203	12	tests	test	NOUN
esutjss-178	203	13	evaluate	evaluate	VERB
esutjss-178	203	14	differences	difference	NOUN
esutjss-178	203	15	in	in	ADP
esutjss-178	203	16	means	mean	NOUN
esutjss-178	203	17	.	.	PUNCT
esutjss-178	204	1	together	together	ADV
esutjss-178	204	2	,	,	PUNCT
esutjss-178	204	3	they	they	PRON
esutjss-178	204	4	enable	enable	VERB
esutjss-178	204	5	robust	robust	ADJ
esutjss-178	204	6	statistical	statistical	ADJ
esutjss-178	204	7	analysis	analysis	NOUN
esutjss-178	204	8	to	to	PART
esutjss-178	204	9	generate	generate	VERB
esutjss-178	204	10	insights	insight	NOUN
esutjss-178	204	11	on	on	ADP
esutjss-178	204	12	digital	digital	ADJ
esutjss-178	204	13	readiness	readiness	NOUN
esutjss-178	204	14	.	.	PUNCT
esutjss-178	205	1	result	result	NOUN
esutjss-178	205	2	and	and	CCONJ
esutjss-178	205	3	discussion	discussion	NOUN
esutjss-178	205	4	skill	skill	NOUN
esutjss-178	205	5	not	not	PART
esutjss-178	205	6	at	at	ADV
esutjss-178	205	7	all	all	ADV
esutjss-178	205	8	important	important	ADJ
esutjss-178	205	9	slightly	slightly	ADV
esutjss-178	205	10	important	important	ADJ
esutjss-178	205	11	somewhat	somewhat	ADV
esutjss-178	205	12	important	important	ADJ
esutjss-178	205	13	moderately	moderately	ADV
esutjss-178	205	14	important	important	ADJ
esutjss-178	205	15	extremely	extremely	ADV
esutjss-178	205	16	important	important	ADJ
esutjss-178	205	17	mean	mean	NOUN
esutjss-178	205	18	sd	sd	ADP
esutjss-178	205	19	data	datum	NOUN
esutjss-178	205	20	analytics	analytic	NOUN
esutjss-178	205	21	10	10	NUM
esutjss-178	205	22	(	(	PUNCT
esutjss-178	205	23	4	4	NUM
esutjss-178	205	24	%	%	NOUN
esutjss-178	205	25	)	)	PUNCT
esutjss-178	205	26	20	20	NUM
esutjss-178	205	27	(	(	PUNCT
esutjss-178	205	28	8	8	NUM
esutjss-178	205	29	%	%	NOUN
esutjss-178	205	30	)	)	PUNCT
esutjss-178	205	31	50	50	NUM
esutjss-178	205	32	(	(	PUNCT
esutjss-178	205	33	20	20	NUM
esutjss-178	205	34	%	%	NOUN
esutjss-178	205	35	)	)	PUNCT
esutjss-178	205	36	100	100	NUM
esutjss-178	205	37	(	(	PUNCT
esutjss-178	205	38	40	40	NUM
esutjss-178	205	39	%	%	NOUN
esutjss-178	205	40	)	)	PUNCT
esutjss-178	205	41	70	70	NUM
esutjss-178	205	42	(	(	PUNCT
esutjss-178	205	43	28	28	NUM
esutjss-178	205	44	%	%	NOUN
esutjss-178	205	45	)	)	PUNCT
esutjss-178	205	46	3.8	3.8	NUM
esutjss-178	205	47	0.9	0.9	NUM
esutjss-178	205	48	artificial	artificial	ADJ
esutjss-178	205	49	intelligence	intelligence	NOUN
esutjss-178	205	50	20	20	NUM
esutjss-178	205	51	(	(	PUNCT
esutjss-178	205	52	8	8	NUM
esutjss-178	205	53	%	%	NOUN
esutjss-178	205	54	)	)	PUNCT
esutjss-178	205	55	30	30	NUM
esutjss-178	205	56	(	(	PUNCT
esutjss-178	205	57	12	12	NUM
esutjss-178	205	58	%	%	NOUN
esutjss-178	205	59	)	)	PUNCT
esutjss-178	205	60	60	60	NUM
esutjss-178	205	61	(	(	PUNCT
esutjss-178	205	62	24	24	NUM
esutjss-178	205	63	%	%	NOUN
esutjss-178	205	64	)	)	PUNCT
esutjss-178	205	65	80	80	NUM
esutjss-178	205	66	(	(	PUNCT
esutjss-178	205	67	32	32	NUM
esutjss-178	205	68	%	%	NOUN
esutjss-178	205	69	)	)	PUNCT
esutjss-178	205	70	60	60	NUM
esutjss-178	205	71	(	(	PUNCT
esutjss-178	205	72	24	24	NUM
esutjss-178	205	73	%	%	NOUN
esutjss-178	205	74	)	)	PUNCT
esutjss-178	205	75	3.7	3.7	NUM
esutjss-178	205	76	0.9	0.9	NUM
esutjss-178	205	77	machine	machine	NOUN
esutjss-178	205	78	learning	learn	VERB
esutjss-178	205	79	15	15	NUM
esutjss-178	205	80	(	(	PUNCT
esutjss-178	205	81	6	6	NUM
esutjss-178	205	82	%	%	NOUN
esutjss-178	205	83	)	)	PUNCT
esutjss-178	205	84	25	25	NUM
esutjss-178	205	85	(	(	PUNCT
esutjss-178	205	86	10	10	NUM
esutjss-178	205	87	%	%	NOUN
esutjss-178	205	88	)	)	PUNCT
esutjss-178	205	89	55	55	NUM
esutjss-178	205	90	(	(	PUNCT
esutjss-178	205	91	22	22	NUM
esutjss-178	205	92	%	%	NOUN
esutjss-178	205	93	)	)	PUNCT
esutjss-178	205	94	90	90	NUM
esutjss-178	205	95	(	(	PUNCT
esutjss-178	205	96	36	36	NUM
esutjss-178	205	97	%	%	NOUN
esutjss-178	205	98	)	)	PUNCT
esutjss-178	205	99	65	65	NUM
esutjss-178	205	100	(	(	PUNCT
esutjss-178	205	101	26	26	NUM
esutjss-178	205	102	%	%	NOUN
esutjss-178	205	103	)	)	PUNCT
esutjss-178	205	104	3.7	3.7	NUM
esutjss-178	205	105	0.9	0.9	NUM
esutjss-178	205	106	digital	digital	ADJ
esutjss-178	205	107	marketing	marketing	NOUN
esutjss-178	205	108	10	10	NUM
esutjss-178	205	109	(	(	PUNCT
esutjss-178	205	110	4	4	NUM
esutjss-178	205	111	%	%	NOUN
esutjss-178	205	112	)	)	PUNCT
esutjss-178	205	113	15	15	NUM
esutjss-178	205	114	(	(	PUNCT
esutjss-178	205	115	6	6	NUM
esutjss-178	205	116	%	%	NOUN
esutjss-178	205	117	)	)	PUNCT
esutjss-178	205	118	40	40	NUM
esutjss-178	205	119	(	(	PUNCT
esutjss-178	205	120	16	16	NUM
esutjss-178	205	121	%	%	NOUN
esutjss-178	205	122	)	)	PUNCT
esutjss-178	205	123	120	120	NUM
esutjss-178	205	124	(	(	PUNCT
esutjss-178	205	125	48	48	NUM
esutjss-178	205	126	%	%	NOUN
esutjss-178	205	127	)	)	PUNCT
esutjss-178	205	128	65	65	NUM
esutjss-178	205	129	(	(	PUNCT
esutjss-178	205	130	26	26	NUM
esutjss-178	205	131	%	%	NOUN
esutjss-178	205	132	)	)	PUNCT
esutjss-178	205	133	4.3	4.3	NUM
esutjss-178	205	134	0.7	0.7	NUM
esutjss-178	205	135	customer	customer	NOUN
esutjss-178	205	136	relationship	relationship	NOUN
esutjss-178	205	137	management	management	NOUN
esutjss-178	205	138	5	5	NUM
esutjss-178	205	139	(	(	PUNCT
esutjss-178	205	140	2	2	NUM
esutjss-178	205	141	%	%	NOUN
esutjss-178	205	142	)	)	PUNCT
esutjss-178	205	143	10	10	NUM
esutjss-178	205	144	(	(	PUNCT
esutjss-178	205	145	4	4	NUM
esutjss-178	205	146	%	%	NOUN
esutjss-178	205	147	)	)	PUNCT
esutjss-178	205	148	35	35	NUM
esutjss-178	205	149	(	(	PUNCT
esutjss-178	205	150	14	14	NUM
esutjss-178	205	151	%	%	NOUN
esutjss-178	205	152	)	)	PUNCT
esutjss-178	205	153	130	130	NUM
esutjss-178	205	154	(	(	PUNCT
esutjss-178	205	155	52	52	NUM
esutjss-178	205	156	%	%	NOUN
esutjss-178	205	157	)	)	PUNCT
esutjss-178	205	158	70	70	NUM
esutjss-178	205	159	(	(	PUNCT
esutjss-178	205	160	28	28	NUM
esutjss-178	205	161	%	%	NOUN
esutjss-178	205	162	)	)	PUNCT
esutjss-178	205	163	4.4	4.4	NUM
esutjss-178	205	164	0.7	0.7	NUM
esutjss-178	205	165	cyber	cyber	NOUN
esutjss-178	205	166	security	security	NOUN
esutjss-178	205	167	5	5	NUM
esutjss-178	205	168	(	(	PUNCT
esutjss-178	205	169	2	2	NUM
esutjss-178	205	170	%	%	NOUN
esutjss-178	205	171	)	)	PUNCT
esutjss-178	205	172	10	10	NUM
esutjss-178	205	173	(	(	PUNCT
esutjss-178	205	174	4	4	NUM
esutjss-178	205	175	%	%	NOUN
esutjss-178	205	176	)	)	PUNCT
esutjss-178	205	177	30	30	NUM
esutjss-178	205	178	(	(	PUNCT
esutjss-178	205	179	12	12	NUM
esutjss-178	205	180	%	%	NOUN
esutjss-178	205	181	)	)	PUNCT
esutjss-178	205	182	110	110	NUM
esutjss-178	205	183	(	(	PUNCT
esutjss-178	205	184	44	44	NUM
esutjss-178	205	185	%	%	NOUN
esutjss-178	205	186	)	)	PUNCT
esutjss-178	205	187	95	95	NUM
esutjss-178	205	188	(	(	PUNCT
esutjss-178	205	189	38	38	NUM
esutjss-178	205	190	%	%	NOUN
esutjss-178	205	191	)	)	PUNCT
esutjss-178	205	192	4.2	4.2	NUM
esutjss-178	205	193	0.7	0.7	NUM
esutjss-178	205	194	cloud	cloud	NOUN
esutjss-178	205	195	computing	compute	VERB
esutjss-178	205	196	15	15	NUM
esutjss-178	205	197	(	(	PUNCT
esutjss-178	205	198	6	6	NUM
esutjss-178	205	199	%	%	NOUN
esutjss-178	205	200	)	)	PUNCT
esutjss-178	205	201	20	20	NUM
esutjss-178	205	202	(	(	PUNCT
esutjss-178	205	203	8	8	NUM
esutjss-178	205	204	%	%	NOUN
esutjss-178	205	205	)	)	PUNCT
esutjss-178	205	206	50	50	NUM
esutjss-178	205	207	(	(	PUNCT
esutjss-178	205	208	20	20	NUM
esutjss-178	205	209	%	%	NOUN
esutjss-178	205	210	)	)	PUNCT
esutjss-178	205	211	100	100	NUM
esutjss-178	205	212	(	(	PUNCT
esutjss-178	205	213	40	40	NUM
esutjss-178	205	214	%	%	NOUN
esutjss-178	205	215	)	)	PUNCT
esutjss-178	205	216	65	65	NUM
esutjss-178	205	217	(	(	PUNCT
esutjss-178	205	218	26	26	NUM
esutjss-178	205	219	%	%	NOUN
esutjss-178	205	220	)	)	PUNCT
esutjss-178	205	221	3.8	3.8	NUM
esutjss-178	205	222	0.9	0.9	NUM
esutjss-178	205	223	agile	agile	ADJ
esutjss-178	205	224	development	development	NOUN
esutjss-178	205	225	10	10	NUM
esutjss-178	205	226	(	(	PUNCT
esutjss-178	205	227	4	4	NUM
esutjss-178	205	228	%	%	NOUN
esutjss-178	205	229	)	)	PUNCT
esutjss-178	205	230	15	15	NUM
esutjss-178	205	231	(	(	PUNCT
esutjss-178	205	232	6	6	NUM
esutjss-178	205	233	%	%	NOUN
esutjss-178	205	234	)	)	PUNCT
esutjss-178	205	235	40	40	NUM
esutjss-178	205	236	(	(	PUNCT
esutjss-178	205	237	16	16	NUM
esutjss-178	205	238	%	%	NOUN
esutjss-178	205	239	)	)	PUNCT
esutjss-178	205	240	120	120	NUM
esutjss-178	205	241	(	(	PUNCT
esutjss-178	205	242	48	48	NUM
esutjss-178	205	243	%	%	NOUN
esutjss-178	205	244	)	)	PUNCT
esutjss-178	205	245	65	65	NUM
esutjss-178	205	246	(	(	PUNCT
esutjss-178	205	247	26	26	NUM
esutjss-178	205	248	%	%	NOUN
esutjss-178	205	249	)	)	PUNCT
esutjss-178	205	250	4.3	4.3	NUM
esutjss-178	205	251	0.7	0.7	NUM
esutjss-178	205	252	user	user	NOUN
esutjss-178	205	253	experience	experience	NOUN
esutjss-178	205	254	design	design	NOUN
esutjss-178	205	255	10	10	NUM
esutjss-178	205	256	(	(	PUNCT
esutjss-178	205	257	4	4	NUM
esutjss-178	205	258	%	%	NOUN
esutjss-178	205	259	)	)	PUNCT
esutjss-178	205	260	15	15	NUM
esutjss-178	205	261	(	(	PUNCT
esutjss-178	205	262	6	6	NUM
esutjss-178	205	263	%	%	NOUN
esutjss-178	205	264	)	)	PUNCT
esutjss-178	205	265	40	40	NUM
esutjss-178	205	266	(	(	PUNCT
esutjss-178	205	267	16	16	NUM
esutjss-178	205	268	%	%	NOUN
esutjss-178	205	269	)	)	PUNCT
esutjss-178	205	270	120	120	NUM
esutjss-178	205	271	(	(	PUNCT
esutjss-178	205	272	48	48	NUM
esutjss-178	205	273	%	%	NOUN
esutjss-178	205	274	)	)	PUNCT
esutjss-178	205	275	65	65	NUM
esutjss-178	205	276	(	(	PUNCT
esutjss-178	205	277	26	26	NUM
esutjss-178	205	278	%	%	NOUN
esutjss-178	205	279	)	)	PUNCT
esutjss-178	205	280	4.3	4.3	NUM
esutjss-178	205	281	0.7	0.7	NUM
esutjss-178	205	282	business	business	NOUN
esutjss-178	205	283	intelligence	intelligence	NOUN
esutjss-178	205	284	15	15	NUM
esutjss-178	205	285	(	(	PUNCT
esutjss-178	205	286	6	6	NUM
esutjss-178	205	287	%	%	NOUN
esutjss-178	205	288	)	)	PUNCT
esutjss-178	205	289	20	20	NUM
esutjss-178	205	290	(	(	PUNCT
esutjss-178	205	291	8	8	NUM
esutjss-178	205	292	%	%	NOUN
esutjss-178	205	293	)	)	PUNCT
esutjss-178	205	294	50	50	NUM
esutjss-178	205	295	(	(	PUNCT
esutjss-178	205	296	20	20	NUM
esutjss-178	205	297	%	%	NOUN
esutjss-178	205	298	)	)	PUNCT
esutjss-178	205	299	100	100	NUM
esutjss-178	205	300	(	(	PUNCT
esutjss-178	205	301	40	40	NUM
esutjss-178	205	302	%	%	NOUN
esutjss-178	205	303	)	)	PUNCT
esutjss-178	205	304	65	65	NUM
esutjss-178	205	305	(	(	PUNCT
esutjss-178	205	306	26	26	NUM
esutjss-178	205	307	%	%	NOUN
esutjss-178	205	308	)	)	PUNCT
esutjss-178	205	309	3.8	3.8	NUM
esutjss-178	205	310	0.9	0.9	NUM
esutjss-178	205	311	data	datum	NOUN
esutjss-178	205	312	visualization	visualization	NOUN
esutjss-178	205	313	15	15	NUM
esutjss-178	205	314	(	(	PUNCT
esutjss-178	205	315	6	6	NUM
esutjss-178	205	316	%	%	NOUN
esutjss-178	205	317	)	)	PUNCT
esutjss-178	205	318	20	20	NUM
esutjss-178	205	319	(	(	PUNCT
esutjss-178	205	320	8	8	NUM
esutjss-178	205	321	%	%	NOUN
esutjss-178	205	322	)	)	PUNCT
esutjss-178	205	323	50	50	NUM
esutjss-178	205	324	(	(	PUNCT
esutjss-178	205	325	20	20	NUM
esutjss-178	205	326	%	%	NOUN
esutjss-178	205	327	)	)	PUNCT
esutjss-178	205	328	100	100	NUM
esutjss-178	205	329	(	(	PUNCT
esutjss-178	205	330	40	40	NUM
esutjss-178	205	331	%	%	NOUN
esutjss-178	205	332	)	)	PUNCT
esutjss-178	205	333	65	65	NUM
esutjss-178	205	334	(	(	PUNCT
esutjss-178	205	335	26	26	NUM
esutjss-178	205	336	%	%	NOUN
esutjss-178	205	337	)	)	PUNCT
esutjss-178	205	338	3.8	3.8	NUM
esutjss-178	205	339	0.9	0.9	NUM
esutjss-178	205	340	blockchain	blockchain	NOUN
esutjss-178	205	341	20	20	NUM
esutjss-178	205	342	(	(	PUNCT
esutjss-178	205	343	8	8	NUM
esutjss-178	205	344	%	%	NOUN
esutjss-178	205	345	)	)	PUNCT
esutjss-178	205	346	30	30	NUM
esutjss-178	205	347	(	(	PUNCT
esutjss-178	205	348	12	12	NUM
esutjss-178	205	349	%	%	NOUN
esutjss-178	205	350	)	)	PUNCT
esutjss-178	205	351	60	60	NUM
esutjss-178	205	352	(	(	PUNCT
esutjss-178	205	353	24	24	NUM
esutjss-178	205	354	%	%	NOUN
esutjss-178	205	355	)	)	PUNCT
esutjss-178	205	356	80	80	NUM
esutjss-178	205	357	(	(	PUNCT
esutjss-178	205	358	32	32	NUM
esutjss-178	205	359	%	%	NOUN
esutjss-178	205	360	)	)	PUNCT
esutjss-178	205	361	60	60	NUM
esutjss-178	205	362	(	(	PUNCT
esutjss-178	205	363	24	24	NUM
esutjss-178	205	364	%	%	NOUN
esutjss-178	205	365	)	)	PUNCT
esutjss-178	205	366	3.7	3.7	NUM
esutjss-178	205	367	0.9	0.9	NUM
esutjss-178	205	368	source	source	NOUN
esutjss-178	205	369	:	:	PUNCT
esutjss-178	205	370	authors	author	NOUN
esutjss-178	205	371	computation	computation	VERB
esutjss-178	205	372	,	,	PUNCT
esutjss-178	205	373	2023	2023	NUM
esutjss-178	205	374	.	.	PUNCT
esutjss-178	206	1	the	the	DET
esutjss-178	206	2	survey	survey	NOUN
esutjss-178	206	3	results	result	NOUN
esutjss-178	206	4	show	show	VERB
esutjss-178	206	5	that	that	SCONJ
esutjss-178	206	6	cybersecurity	cybersecurity	NOUN
esutjss-178	206	7	,	,	PUNCT
esutjss-178	206	8	customer	customer	NOUN
esutjss-178	206	9	relationship	relationship	NOUN
esutjss-178	206	10	management	management	NOUN
esutjss-178	206	11	,	,	PUNCT
esutjss-178	206	12	digital	digital	ADJ
esutjss-178	206	13	marketing	marketing	NOUN
esutjss-178	206	14	,	,	PUNCT
esutjss-178	206	15	agile	agile	ADJ
esutjss-178	206	16	development	development	NOUN
esutjss-178	206	17	,	,	PUNCT
esutjss-178	206	18	and	and	CCONJ
esutjss-178	206	19	user	user	NOUN
esutjss-178	206	20	experience	experience	NOUN
esutjss-178	206	21	design	design	NOUN
esutjss-178	206	22	are	be	AUX
esutjss-178	206	23	seen	see	VERB
esutjss-178	206	24	as	as	ADP
esutjss-178	206	25	the	the	DET
esutjss-178	206	26	most	most	ADV
esutjss-178	206	27	important	important	ADJ
esutjss-178	206	28	skills	skill	NOUN
esutjss-178	206	29	by	by	ADP
esutjss-178	206	30	respondents	respondent	NOUN
esutjss-178	206	31	.	.	PUNCT
esutjss-178	207	1	38	38	NUM
esutjss-178	207	2	%	%	NOUN
esutjss-178	207	3	said	say	VERB
esutjss-178	207	4	cybersecurity	cybersecurity	NOUN
esutjss-178	207	5	is	be	AUX
esutjss-178	207	6	extremely	extremely	ADV
esutjss-178	207	7	important	important	ADJ
esutjss-178	207	8	,	,	PUNCT
esutjss-178	207	9	while	while	SCONJ
esutjss-178	207	10	52	52	NUM
esutjss-178	207	11	%	%	NOUN
esutjss-178	207	12	rated	rate	VERB
esutjss-178	207	13	customer	customer	NOUN
esutjss-178	207	14	relationship	relationship	NOUN
esutjss-178	207	15	management	management	NOUN
esutjss-178	207	16	as	as	ADP
esutjss-178	207	17	moderately	moderately	ADV
esutjss-178	207	18	important	important	ADJ
esutjss-178	207	19	.	.	PUNCT
esutjss-178	208	1	48	48	NUM
esutjss-178	208	2	%	%	NOUN
esutjss-178	208	3	said	say	VERB
esutjss-178	208	4	digital	digital	ADJ
esutjss-178	208	5	marketing	marketing	NOUN
esutjss-178	208	6	,	,	PUNCT
esutjss-178	208	7	agile	agile	ADJ
esutjss-178	208	8	development	development	NOUN
esutjss-178	208	9	,	,	PUNCT
esutjss-178	208	10	and	and	CCONJ
esutjss-178	208	11	user	user	NOUN
esutjss-178	208	12	experience	experience	NOUN
esutjss-178	208	13	design	design	NOUN
esutjss-178	208	14	are	be	AUX
esutjss-178	208	15	moderately	moderately	ADV
esutjss-178	208	16	important	important	ADJ
esutjss-178	208	17	skills	skill	NOUN
esutjss-178	208	18	.	.	PUNCT
esutjss-178	209	1	data	datum	NOUN
esutjss-178	209	2	analytics	analytic	NOUN
esutjss-178	209	3	,	,	PUNCT
esutjss-178	209	4	artificial	artificial	ADJ
esutjss-178	209	5	intelligence	intelligence	NOUN
esutjss-178	209	6	,	,	PUNCT
esutjss-178	209	7	machine	machine	NOUN
esutjss-178	209	8	learning	learning	NOUN
esutjss-178	209	9	,	,	PUNCT
esutjss-178	209	10	cloud	cloud	NOUN
esutjss-178	209	11	computing	computing	NOUN
esutjss-178	209	12	,	,	PUNCT
esutjss-178	209	13	business	business	NOUN
esutjss-178	209	14	intelligence	intelligence	NOUN
esutjss-178	209	15	,	,	PUNCT
esutjss-178	209	16	data	data	NOUN
esutjss-178	209	17	visualization	visualization	NOUN
esutjss-178	209	18	,	,	PUNCT
esutjss-178	209	19	and	and	CCONJ
esutjss-178	209	20	blockchain	blockchain	PROPN
esutjss-178	209	21	were	be	AUX
esutjss-178	209	22	rated	rate	VERB
esutjss-178	209	23	as	as	ADP
esutjss-178	209	24	somewhat	somewhat	ADV
esutjss-178	209	25	to	to	PART
esutjss-178	209	26	moderately	moderately	ADV
esutjss-178	209	27	important	important	ADJ
esutjss-178	209	28	by	by	ADP
esutjss-178	209	29	most	most	ADJ
esutjss-178	209	30	respondents	respondent	NOUN
esutjss-178	209	31	.	.	PUNCT
esutjss-178	210	1	specifically	specifically	ADV
esutjss-178	210	2	,	,	PUNCT
esutjss-178	210	3	40	40	NUM
esutjss-178	210	4	%	%	NOUN
esutjss-178	210	5	said	say	VERB
esutjss-178	210	6	data	datum	NOUN
esutjss-178	210	7	analytics	analytic	NOUN
esutjss-178	210	8	,	,	PUNCT
esutjss-178	210	9	machine	machine	NOUN
esutjss-178	210	10	learning	learning	NOUN
esutjss-178	210	11	,	,	PUNCT
esutjss-178	210	12	cloud	cloud	NOUN
esutjss-178	210	13	computing	computing	NOUN
esutjss-178	210	14	,	,	PUNCT
esutjss-178	210	15	business	business	NOUN
esutjss-178	210	16	intelligence	intelligence	NOUN
esutjss-178	210	17	,	,	PUNCT
esutjss-178	210	18	and	and	CCONJ
esutjss-178	210	19	data	datum	NOUN
esutjss-178	210	20	visualization	visualization	NOUN
esutjss-178	210	21	are	be	AUX
esutjss-178	210	22	moderately	moderately	ADV
esutjss-178	210	23	important	important	ADJ
esutjss-178	210	24	.	.	PUNCT
esutjss-178	211	1	artificial	artificial	ADJ
esutjss-178	211	2	intelligence	intelligence	NOUN
esutjss-178	211	3	and	and	CCONJ
esutjss-178	211	4	blockchain	blockchain	PROPN
esutjss-178	211	5	were	be	AUX
esutjss-178	211	6	seen	see	VERB
esutjss-178	211	7	as	as	ADP
esutjss-178	211	8	moderately	moderately	ADV
esutjss-178	211	9	important	important	ADJ
esutjss-178	211	10	by	by	ADP
esutjss-178	211	11	32	32	NUM
esutjss-178	211	12	%	%	NOUN
esutjss-178	211	13	of	of	ADP
esutjss-178	211	14	respondents	respondent	NOUN
esutjss-178	211	15	.	.	PUNCT
esutjss-178	212	1	the	the	DET
esutjss-178	212	2	skills	skill	NOUN
esutjss-178	212	3	perceived	perceive	VERB
esutjss-178	212	4	as	as	ADP
esutjss-178	212	5	most	most	ADJ
esutjss-178	212	6	essential	essential	ADJ
esutjss-178	212	7	are	be	AUX
esutjss-178	212	8	those	those	PRON
esutjss-178	212	9	related	relate	VERB
esutjss-178	212	10	to	to	ADP
esutjss-178	212	11	security	security	NOUN
esutjss-178	212	12	,	,	PUNCT
esutjss-178	212	13	customer	customer	NOUN
esutjss-178	212	14	management	management	NOUN
esutjss-178	212	15	,	,	PUNCT
esutjss-178	212	16	marketing	marketing	NOUN
esutjss-178	212	17	,	,	PUNCT
esutjss-178	212	18	development	development	NOUN
esutjss-178	212	19	,	,	PUNCT
esutjss-178	212	20	and	and	CCONJ
esutjss-178	212	21	design	design	NOUN
esutjss-178	212	22	.	.	PUNCT
esutjss-178	213	1	emerging	emerge	VERB
esutjss-178	213	2	skills	skill	NOUN
esutjss-178	213	3	like	like	ADP
esutjss-178	213	4	ai	ai	VERB
esutjss-178	213	5	and	and	CCONJ
esutjss-178	213	6	blockchain	blockchain	PROPN
esutjss-178	213	7	are	be	AUX
esutjss-178	213	8	seen	see	VERB
esutjss-178	213	9	as	as	ADP
esutjss-178	213	10	moderately	moderately	ADV
esutjss-178	213	11	important	important	ADJ
esutjss-178	213	12	,	,	PUNCT
esutjss-178	213	13	while	while	SCONJ
esutjss-178	213	14	foundational	foundational	ADJ
esutjss-178	213	15	data	datum	NOUN
esutjss-178	213	16	and	and	CCONJ
esutjss-178	213	17	analytics	analytic	NOUN
esutjss-178	213	18	skills	skill	NOUN
esutjss-178	213	19	are	be	AUX
esutjss-178	213	20	rated	rate	VERB
esutjss-178	213	21	moderately	moderately	ADV
esutjss-178	213	22	to	to	ADP
esutjss-178	213	23	somewhat	somewhat	ADV
esutjss-178	213	24	important	important	ADJ
esutjss-178	213	25	by	by	ADP
esutjss-178	213	26	most	most	ADJ
esutjss-178	213	27	respondents	respondent	NOUN
esutjss-178	213	28	.	.	PUNCT
esutjss-178	214	1	the	the	DET
esutjss-178	214	2	results	result	NOUN
esutjss-178	214	3	indicate	indicate	VERB
esutjss-178	214	4	an	an	DET
esutjss-178	214	5	emphasis	emphasis	NOUN
esutjss-178	214	6	on	on	ADP
esutjss-178	214	7	established	establish	VERB
esutjss-178	214	8	critical	critical	ADJ
esutjss-178	214	9	business	business	NOUN
esutjss-178	214	10	and	and	CCONJ
esutjss-178	214	11	technical	technical	ADJ
esutjss-178	214	12	skills	skill	NOUN
esutjss-178	214	13	,	,	PUNCT
esutjss-178	214	14	with	with	ADP
esutjss-178	214	15	growing	grow	VERB
esutjss-178	214	16	importance	importance	NOUN
esutjss-178	214	17	placed	place	VERB
esutjss-178	214	18	on	on	ADP
esutjss-178	214	19	leading	leading	ADJ
esutjss-178	214	20	-	-	PUNCT
esutjss-178	214	21	edge	edge	NOUN
esutjss-178	214	22	technologies	technology	NOUN
esutjss-178	214	23	.	.	PUNCT
esutjss-178	215	1	76	76	NUM
esutjss-178	216	1	the	the	DET
esutjss-178	216	2	survey	survey	NOUN
esutjss-178	216	3	results	result	NOUN
esutjss-178	216	4	show	show	VERB
esutjss-178	216	5	customer	customer	NOUN
esutjss-178	216	6	relationship	relationship	NOUN
esutjss-178	216	7	management	management	NOUN
esutjss-178	216	8	(	(	PUNCT
esutjss-178	216	9	mean	mean	PROPN
esutjss-178	216	10	4.4	4.4	NUM
esutjss-178	216	11	,	,	PUNCT
esutjss-178	216	12	sd	sd	ADP
esutjss-178	216	13	0.7	0.7	NUM
esutjss-178	216	14	)	)	PUNCT
esutjss-178	216	15	and	and	CCONJ
esutjss-178	216	16	digital	digital	ADJ
esutjss-178	216	17	marketing	marketing	NOUN
esutjss-178	216	18	(	(	PUNCT
esutjss-178	216	19	mean	mean	NOUN
esutjss-178	216	20	4.3	4.3	NUM
esutjss-178	216	21	,	,	PUNCT
esutjss-178	216	22	sd	sd	ADP
esutjss-178	216	23	0.7	0.7	NUM
esutjss-178	216	24	)	)	PUNCT
esutjss-178	216	25	as	as	ADP
esutjss-178	216	26	the	the	DET
esutjss-178	216	27	skills	skill	NOUN
esutjss-178	216	28	perceived	perceive	VERB
esutjss-178	216	29	as	as	ADP
esutjss-178	216	30	most	most	ADV
esutjss-178	216	31	important	important	ADJ
esutjss-178	216	32	overall	overall	ADJ
esutjss-178	216	33	.	.	PUNCT
esutjss-178	217	1	cybersecurity	cybersecurity	NOUN
esutjss-178	217	2	(	(	PUNCT
esutjss-178	217	3	mean	mean	NOUN
esutjss-178	217	4	4.2	4.2	NUM
esutjss-178	217	5	,	,	PUNCT
esutjss-178	217	6	sd	sd	ADP
esutjss-178	217	7	0.7	0.7	NUM
esutjss-178	217	8	)	)	PUNCT
esutjss-178	217	9	,	,	PUNCT
esutjss-178	217	10	agile	agile	ADJ
esutjss-178	217	11	development	development	NOUN
esutjss-178	217	12	(	(	PUNCT
esutjss-178	217	13	mean	mean	NOUN
esutjss-178	217	14	4.3	4.3	NUM
esutjss-178	217	15	,	,	PUNCT
esutjss-178	217	16	sd	sd	ADP
esutjss-178	217	17	0.7	0.7	NUM
esutjss-178	217	18	)	)	PUNCT
esutjss-178	217	19	,	,	PUNCT
esutjss-178	217	20	and	and	CCONJ
esutjss-178	217	21	user	user	NOUN
esutjss-178	217	22	experience	experience	NOUN
esutjss-178	217	23	design	design	NOUN
esutjss-178	217	24	(	(	PUNCT
esutjss-178	217	25	mean	mean	NOUN
esutjss-178	217	26	4.3	4.3	NUM
esutjss-178	217	27	,	,	PUNCT
esutjss-178	217	28	sd	sd	ADP
esutjss-178	217	29	0.7	0.7	NUM
esutjss-178	217	30	)	)	PUNCT
esutjss-178	217	31	also	also	ADV
esutjss-178	217	32	emerged	emerge	VERB
esutjss-178	217	33	as	as	ADP
esutjss-178	217	34	highly	highly	ADV
esutjss-178	217	35	important	important	ADJ
esutjss-178	217	36	skills	skill	NOUN
esutjss-178	217	37	with	with	ADP
esutjss-178	217	38	low	low	ADJ
esutjss-178	217	39	variability	variability	NOUN
esutjss-178	217	40	in	in	ADP
esutjss-178	217	41	responses	response	NOUN
esutjss-178	217	42	(	(	PUNCT
esutjss-178	217	43	sds	sds	NOUN
esutjss-178	217	44	around	around	ADP
esutjss-178	217	45	0.7	0.7	NUM
esutjss-178	217	46	)	)	PUNCT
esutjss-178	217	47	.	.	PUNCT
esutjss-178	218	1	artificial	artificial	ADJ
esutjss-178	218	2	intelligence	intelligence	NOUN
esutjss-178	218	3	(	(	PUNCT
esutjss-178	218	4	mean	mean	NOUN
esutjss-178	218	5	3.7	3.7	NUM
esutjss-178	218	6	,	,	PUNCT
esutjss-178	218	7	sd	sd	ADP
esutjss-178	218	8	0.9	0.9	NUM
esutjss-178	218	9	)	)	PUNCT
esutjss-178	218	10	,	,	PUNCT
esutjss-178	218	11	machine	machine	NOUN
esutjss-178	218	12	learning	learning	NOUN
esutjss-178	218	13	(	(	PUNCT
esutjss-178	218	14	mean	mean	NOUN
esutjss-178	218	15	3.7	3.7	NUM
esutjss-178	218	16	,	,	PUNCT
esutjss-178	218	17	sd	sd	ADP
esutjss-178	218	18	0.9	0.9	NUM
esutjss-178	218	19	)	)	PUNCT
esutjss-178	218	20	,	,	PUNCT
esutjss-178	218	21	blockchain	blockchain	PROPN
esutjss-178	218	22	(	(	PUNCT
esutjss-178	218	23	mean	mean	PROPN
esutjss-178	218	24	3.7	3.7	NUM
esutjss-178	218	25	,	,	PUNCT
esutjss-178	218	26	sd	sd	ADP
esutjss-178	218	27	0.9	0.9	NUM
esutjss-178	218	28	)	)	PUNCT
esutjss-178	218	29	,	,	PUNCT
esutjss-178	218	30	data	datum	NOUN
esutjss-178	218	31	analytics	analytic	NOUN
esutjss-178	218	32	(	(	PUNCT
esutjss-178	218	33	mean	mean	NOUN
esutjss-178	218	34	3.8	3.8	NUM
esutjss-178	218	35	,	,	PUNCT
esutjss-178	218	36	sd	sd	ADP
esutjss-178	218	37	0.9	0.9	NUM
esutjss-178	218	38	)	)	PUNCT
esutjss-178	218	39	,	,	PUNCT
esutjss-178	218	40	cloud	cloud	NOUN
esutjss-178	218	41	computing	computing	NOUN
esutjss-178	218	42	(	(	PUNCT
esutjss-178	218	43	mean	mean	NOUN
esutjss-178	218	44	3.8	3.8	NUM
esutjss-178	218	45	,	,	PUNCT
esutjss-178	218	46	sd	sd	ADP
esutjss-178	218	47	0.9	0.9	NUM
esutjss-178	218	48	)	)	PUNCT
esutjss-178	218	49	,	,	PUNCT
esutjss-178	218	50	business	business	NOUN
esutjss-178	218	51	intelligence	intelligence	NOUN
esutjss-178	218	52	(	(	PUNCT
esutjss-178	218	53	mean	mean	NOUN
esutjss-178	218	54	3.8	3.8	NUM
esutjss-178	218	55	,	,	PUNCT
esutjss-178	218	56	sd	sd	ADP
esutjss-178	218	57	0.9	0.9	NUM
esutjss-178	218	58	)	)	PUNCT
esutjss-178	218	59	,	,	PUNCT
esutjss-178	218	60	and	and	CCONJ
esutjss-178	218	61	data	datum	NOUN
esutjss-178	218	62	visualization	visualization	NOUN
esutjss-178	218	63	(	(	PUNCT
esutjss-178	218	64	mean	mean	NOUN
esutjss-178	218	65	3.8	3.8	NUM
esutjss-178	218	66	,	,	PUNCT
esutjss-178	218	67	sd	sd	ADP
esutjss-178	218	68	0.9	0.9	NUM
esutjss-178	218	69	)	)	PUNCT
esutjss-178	218	70	were	be	AUX
esutjss-178	218	71	viewed	view	VERB
esutjss-178	218	72	as	as	ADP
esutjss-178	218	73	moderately	moderately	ADV
esutjss-178	218	74	important	important	ADJ
esutjss-178	218	75	skills	skill	NOUN
esutjss-178	218	76	by	by	ADP
esutjss-178	218	77	respondents	respondent	NOUN
esutjss-178	218	78	.	.	PUNCT
esutjss-178	219	1	there	there	PRON
esutjss-178	219	2	was	be	VERB
esutjss-178	219	3	slightly	slightly	ADV
esutjss-178	219	4	more	more	ADJ
esutjss-178	219	5	variability	variability	NOUN
esutjss-178	219	6	in	in	ADP
esutjss-178	219	7	responses	response	NOUN
esutjss-178	219	8	for	for	ADP
esutjss-178	219	9	these	these	DET
esutjss-178	219	10	skills	skill	NOUN
esutjss-178	219	11	(	(	PUNCT
esutjss-178	219	12	sds	sds	NOUN
esutjss-178	219	13	around	around	ADP
esutjss-178	219	14	0.9	0.9	NUM
esutjss-178	219	15	)	)	PUNCT
esutjss-178	219	16	compared	compare	VERB
esutjss-178	219	17	to	to	ADP
esutjss-178	219	18	the	the	DET
esutjss-178	219	19	highest	high	ADJ
esutjss-178	219	20	rated	rate	VERB
esutjss-178	219	21	ones	one	NOUN
esutjss-178	219	22	.	.	PUNCT
esutjss-178	220	1	customer	customer	NOUN
esutjss-178	220	2	relationship	relationship	NOUN
esutjss-178	220	3	management	management	NOUN
esutjss-178	220	4	,	,	PUNCT
esutjss-178	220	5	digital	digital	ADJ
esutjss-178	220	6	marketing	marketing	NOUN
esutjss-178	220	7	,	,	PUNCT
esutjss-178	220	8	cybersecurity	cybersecurity	NOUN
esutjss-178	220	9	,	,	PUNCT
esutjss-178	220	10	agile	agile	ADJ
esutjss-178	220	11	development	development	NOUN
esutjss-178	220	12	and	and	CCONJ
esutjss-178	220	13	user	user	NOUN
esutjss-178	220	14	experience	experience	NOUN
esutjss-178	220	15	design	design	NOUN
esutjss-178	220	16	emerged	emerge	VERB
esutjss-178	220	17	as	as	ADP
esutjss-178	220	18	the	the	DET
esutjss-178	220	19	most	most	ADV
esutjss-178	220	20	essential	essential	ADJ
esutjss-178	220	21	skills	skill	NOUN
esutjss-178	220	22	with	with	ADP
esutjss-178	220	23	consistent	consistent	ADJ
esutjss-178	220	24	agreement	agreement	NOUN
esutjss-178	220	25	from	from	ADP
esutjss-178	220	26	respondents	respondent	NOUN
esutjss-178	220	27	.	.	PUNCT
esutjss-178	221	1	ai	ai	VERB
esutjss-178	221	2	,	,	PUNCT
esutjss-178	221	3	machine	machine	NOUN
esutjss-178	221	4	learning	learning	NOUN
esutjss-178	221	5	,	,	PUNCT
esutjss-178	221	6	blockchain	blockchain	PROPN
esutjss-178	221	7	and	and	CCONJ
esutjss-178	221	8	data	data	PROPN
esutjss-178	221	9	/	/	SYM
esutjss-178	221	10	analytics	analytic	NOUN
esutjss-178	221	11	skills	skill	NOUN
esutjss-178	221	12	were	be	AUX
esutjss-178	221	13	seen	see	VERB
esutjss-178	221	14	as	as	ADP
esutjss-178	221	15	moderately	moderately	ADV
esutjss-178	221	16	important	important	ADJ
esutjss-178	221	17	by	by	ADP
esutjss-178	221	18	comparison	comparison	NOUN
esutjss-178	221	19	,	,	PUNCT
esutjss-178	221	20	with	with	ADP
esutjss-178	221	21	more	more	ADJ
esutjss-178	221	22	variable	variable	ADJ
esutjss-178	221	23	opinions	opinion	NOUN
esutjss-178	221	24	on	on	ADP
esutjss-178	221	25	their	their	PRON
esutjss-178	221	26	importance	importance	NOUN
esutjss-178	221	27	.	.	PUNCT
esutjss-178	222	1	chi	chi	ADJ
esutjss-178	222	2	-	-	PUNCT
esutjss-178	222	3	square	square	ADJ
esutjss-178	222	4	test	test	NOUN
esutjss-178	222	5	skills	skill	VERB
esutjss-178	222	6	chi	chi	ADJ
esutjss-178	222	7	-	-	PUNCT
esutjss-178	222	8	square	square	ADJ
esutjss-178	222	9	statistic	statistic	NOUN
esutjss-178	222	10	degrees	degree	NOUN
esutjss-178	222	11	of	of	ADP
esutjss-178	222	12	freedom	freedom	NOUN
esutjss-178	222	13	p	p	NOUN
esutjss-178	222	14	-	-	PUNCT
esutjss-178	222	15	value	value	NOUN
esutjss-178	222	16	data	data	NOUN
esutjss-178	222	17	analytics	analytic	NOUN
esutjss-178	222	18	12.0	12.0	NUM
esutjss-178	222	19	4	4	NUM
esutjss-178	222	20	0.017	0.017	NUM
esutjss-178	222	21	artificial	artificial	ADJ
esutjss-178	222	22	intelligence	intelligence	NOUN
esutjss-178	222	23	16.0	16.0	NUM
esutjss-178	222	24	4	4	NUM
esutjss-178	222	25	0.003	0.003	NUM
esutjss-178	222	26	machine	machine	NOUN
esutjss-178	222	27	learning	learn	VERB
esutjss-178	222	28	18.0	18.0	NUM
esutjss-178	222	29	4	4	NUM
esutjss-178	222	30	0.001	0.001	NUM
esutjss-178	222	31	digital	digital	ADJ
esutjss-178	222	32	marketing	marketing	NOUN
esutjss-178	222	33	44.0	44.0	NUM
esutjss-178	222	34	4	4	NUM
esutjss-178	222	35	0.000	0.000	NUM
esutjss-178	222	36	customer	customer	NOUN
esutjss-178	222	37	relationship	relationship	NOUN
esutjss-178	222	38	management	management	NOUN
esutjss-178	222	39	52.0	52.0	NUM
esutjss-178	222	40	4	4	NUM
esutjss-178	222	41	0.000	0.000	NUM
esutjss-178	222	42	cybersecurity	cybersecurity	NOUN
esutjss-178	222	43	68.0	68.0	NUM
esutjss-178	222	44	4	4	NUM
esutjss-178	222	45	0.000	0.000	NUM
esutjss-178	222	46	cloud	cloud	NOUN
esutjss-178	222	47	computing	compute	VERB
esutjss-178	222	48	12.0	12.0	NUM
esutjss-178	222	49	4	4	NUM
esutjss-178	222	50	0.017	0.017	NUM
esutjss-178	222	51	agile	agile	ADJ
esutjss-178	222	52	development	development	NOUN
esutjss-178	222	53	44.0	44.0	NUM
esutjss-178	222	54	4	4	NUM
esutjss-178	222	55	0.000	0.000	NUM
esutjss-178	222	56	user	user	NOUN
esutjss-178	222	57	experience	experience	NOUN
esutjss-178	222	58	design	design	VERB
esutjss-178	222	59	44.0	44.0	NUM
esutjss-178	222	60	4	4	NUM
esutjss-178	222	61	0.000	0.000	NUM
esutjss-178	222	62	business	business	NOUN
esutjss-178	222	63	intelligence	intelligence	NOUN
esutjss-178	222	64	12.0	12.0	NUM
esutjss-178	222	65	4	4	NUM
esutjss-178	222	66	0.017	0.017	NUM
esutjss-178	222	67	data	datum	NOUN
esutjss-178	222	68	visualization	visualization	NOUN
esutjss-178	222	69	12.0	12.0	NUM
esutjss-178	222	70	4	4	NUM
esutjss-178	222	71	0.017	0.017	NUM
esutjss-178	222	72	blockchain	blockchain	NOUN
esutjss-178	222	73	16.0	16.0	NUM
esutjss-178	222	74	4	4	NUM
esutjss-178	222	75	0.003	0.003	NUM
esutjss-178	222	76	source	source	NOUN
esutjss-178	223	1	:	:	PUNCT
esutjss-178	223	2	authors	author	NOUN
esutjss-178	223	3	computation	computation	VERB
esutjss-178	223	4	,	,	PUNCT
esutjss-178	223	5	2023	2023	NUM
esutjss-178	223	6	.	.	PUNCT
esutjss-178	224	1	cybersecurity	cybersecurity	NOUN
esutjss-178	224	2	,	,	PUNCT
esutjss-178	224	3	customer	customer	NOUN
esutjss-178	224	4	relationship	relationship	NOUN
esutjss-178	224	5	management	management	NOUN
esutjss-178	224	6	,	,	PUNCT
esutjss-178	224	7	digital	digital	ADJ
esutjss-178	224	8	marketing	marketing	NOUN
esutjss-178	224	9	,	,	PUNCT
esutjss-178	224	10	agile	agile	ADJ
esutjss-178	224	11	development	development	NOUN
esutjss-178	224	12	,	,	PUNCT
esutjss-178	224	13	and	and	CCONJ
esutjss-178	224	14	user	user	NOUN
esutjss-178	224	15	experience	experience	NOUN
esutjss-178	224	16	design	design	NOUN
esutjss-178	224	17	all	all	PRON
esutjss-178	224	18	have	have	VERB
esutjss-178	224	19	highly	highly	ADV
esutjss-178	224	20	significant	significant	ADJ
esutjss-178	224	21	chi	chi	ADJ
esutjss-178	224	22	-	-	PUNCT
esutjss-178	224	23	square	square	ADJ
esutjss-178	224	24	p	p	NOUN
esutjss-178	224	25	-	-	PUNCT
esutjss-178	224	26	values	value	NOUN
esutjss-178	224	27	of	of	ADP
esutjss-178	224	28	0.000	0.000	NUM
esutjss-178	224	29	.	.	PUNCT
esutjss-178	225	1	this	this	PRON
esutjss-178	225	2	indicates	indicate	VERB
esutjss-178	225	3	the	the	DET
esutjss-178	225	4	importance	importance	NOUN
esutjss-178	225	5	ratings	rating	NOUN
esutjss-178	225	6	for	for	ADP
esutjss-178	225	7	these	these	DET
esutjss-178	225	8	skills	skill	NOUN
esutjss-178	225	9	are	be	AUX
esutjss-178	225	10	significantly	significantly	ADV
esutjss-178	225	11	different	different	ADJ
esutjss-178	225	12	than	than	SCONJ
esutjss-178	225	13	expected	expect	VERB
esutjss-178	225	14	under	under	ADP
esutjss-178	225	15	the	the	DET
esutjss-178	225	16	null	null	ADJ
esutjss-178	225	17	hypothesis	hypothesis	NOUN
esutjss-178	225	18	of	of	ADP
esutjss-178	225	19	no	no	DET
esutjss-178	225	20	difference	difference	NOUN
esutjss-178	225	21	.	.	PUNCT
esutjss-178	226	1	these	these	DET
esutjss-178	226	2	skills	skill	NOUN
esutjss-178	226	3	were	be	AUX
esutjss-178	226	4	rated	rate	VERB
esutjss-178	226	5	as	as	ADP
esutjss-178	226	6	very	very	ADV
esutjss-178	226	7	important	important	ADJ
esutjss-178	226	8	by	by	ADP
esutjss-178	226	9	respondents	respondent	NOUN
esutjss-178	226	10	.	.	PUNCT
esutjss-178	227	1	artificial	artificial	ADJ
esutjss-178	227	2	intelligence	intelligence	NOUN
esutjss-178	227	3	,	,	PUNCT
esutjss-178	227	4	machine	machine	NOUN
esutjss-178	227	5	learning	learning	NOUN
esutjss-178	227	6	,	,	PUNCT
esutjss-178	227	7	and	and	CCONJ
esutjss-178	227	8	blockchain	blockchain	PROPN
esutjss-178	227	9	have	have	VERB
esutjss-178	227	10	chi	chi	NOUN
esutjss-178	227	11	-	-	PUNCT
esutjss-178	227	12	square	square	ADJ
esutjss-178	227	13	p	p	NOUN
esutjss-178	227	14	-	-	PUNCT
esutjss-178	227	15	values	value	NOUN
esutjss-178	227	16	of	of	ADP
esutjss-178	227	17	0.003	0.003	NUM
esutjss-178	227	18	or	or	CCONJ
esutjss-178	227	19	lower	low	ADJ
esutjss-178	227	20	,	,	PUNCT
esutjss-178	227	21	indicating	indicate	VERB
esutjss-178	227	22	their	their	PRON
esutjss-178	227	23	importance	importance	NOUN
esutjss-178	227	24	ratings	rating	NOUN
esutjss-178	227	25	are	be	AUX
esutjss-178	227	26	significantly	significantly	ADV
esutjss-178	227	27	different	different	ADJ
esutjss-178	227	28	from	from	ADP
esutjss-178	227	29	expected	expect	VERB
esutjss-178	227	30	at	at	ADP
esutjss-178	227	31	the	the	DET
esutjss-178	227	32	0.05	0.05	NUM
esutjss-178	227	33	significance	significance	NOUN
esutjss-178	227	34	level	level	NOUN
esutjss-178	227	35	.	.	PUNCT
esutjss-178	228	1	these	these	DET
esutjss-178	228	2	skills	skill	NOUN
esutjss-178	228	3	were	be	AUX
esutjss-178	228	4	rated	rate	VERB
esutjss-178	228	5	moderately	moderately	ADV
esutjss-178	228	6	important	important	ADJ
esutjss-178	228	7	.	.	PUNCT
esutjss-178	229	1	data	datum	NOUN
esutjss-178	229	2	analytics	analytic	NOUN
esutjss-178	229	3	,	,	PUNCT
esutjss-178	229	4	cloud	cloud	NOUN
esutjss-178	229	5	computing	computing	NOUN
esutjss-178	229	6	,	,	PUNCT
esutjss-178	229	7	business	business	NOUN
esutjss-178	229	8	intelligence	intelligence	NOUN
esutjss-178	229	9	,	,	PUNCT
esutjss-178	229	10	and	and	CCONJ
esutjss-178	229	11	data	datum	NOUN
esutjss-178	229	12	visualization	visualization	NOUN
esutjss-178	229	13	have	have	VERB
esutjss-178	229	14	chi	chi	NOUN
esutjss-178	229	15	-	-	PUNCT
esutjss-178	229	16	square	square	ADJ
esutjss-178	229	17	p	p	NOUN
esutjss-178	229	18	-	-	PUNCT
esutjss-178	229	19	values	value	NOUN
esutjss-178	229	20	of	of	ADP
esutjss-178	229	21	0.017	0.017	NUM
esutjss-178	229	22	,	,	PUNCT
esutjss-178	229	23	indicating	indicate	VERB
esutjss-178	229	24	significance	significance	NOUN
esutjss-178	229	25	at	at	ADP
esutjss-178	229	26	the	the	DET
esutjss-178	229	27	0.05	0.05	NUM
esutjss-178	229	28	level	level	NOUN
esutjss-178	229	29	.	.	PUNCT
esutjss-178	230	1	these	these	DET
esutjss-178	230	2	skills	skill	NOUN
esutjss-178	230	3	received	receive	VERB
esutjss-178	230	4	more	more	ADV
esutjss-178	230	5	varied	varied	ADJ
esutjss-178	230	6	importance	importance	NOUN
esutjss-178	230	7	ratings	rating	NOUN
esutjss-178	230	8	77	77	NUM
esutjss-178	230	9	across	across	ADP
esutjss-178	230	10	respondents	respondent	NOUN
esutjss-178	230	11	.	.	PUNCT
esutjss-178	231	1	the	the	DET
esutjss-178	231	2	chi	chi	ADJ
esutjss-178	231	3	-	-	PUNCT
esutjss-178	231	4	square	square	ADJ
esutjss-178	231	5	tests	test	NOUN
esutjss-178	231	6	reveal	reveal	VERB
esutjss-178	231	7	statistically	statistically	ADV
esutjss-178	231	8	significant	significant	ADJ
esutjss-178	231	9	differences	difference	NOUN
esutjss-178	231	10	in	in	ADP
esutjss-178	231	11	how	how	SCONJ
esutjss-178	231	12	essential	essential	ADJ
esutjss-178	231	13	various	various	ADJ
esutjss-178	231	14	skills	skill	NOUN
esutjss-178	231	15	are	be	AUX
esutjss-178	231	16	perceived	perceive	VERB
esutjss-178	231	17	for	for	ADP
esutjss-178	231	18	the	the	DET
esutjss-178	231	19	digital	digital	ADJ
esutjss-178	231	20	age	age	NOUN
esutjss-178	231	21	.	.	PUNCT
esutjss-178	232	1	cybersecurity	cybersecurity	NOUN
esutjss-178	232	2	,	,	PUNCT
esutjss-178	232	3	crm	crm	PROPN
esutjss-178	232	4	,	,	PUNCT
esutjss-178	232	5	marketing	marketing	NOUN
esutjss-178	232	6	,	,	PUNCT
esutjss-178	232	7	agile	agile	ADJ
esutjss-178	232	8	,	,	PUNCT
esutjss-178	232	9	and	and	CCONJ
esutjss-178	232	10	ux	ux	PROPN
esutjss-178	232	11	design	design	NOUN
esutjss-178	232	12	emerge	emerge	VERB
esutjss-178	232	13	as	as	SCONJ
esutjss-178	232	14	viewed	view	VERB
esutjss-178	232	15	as	as	ADP
esutjss-178	232	16	most	most	ADV
esutjss-178	232	17	important	important	ADJ
esutjss-178	232	18	,	,	PUNCT
esutjss-178	232	19	while	while	SCONJ
esutjss-178	232	20	ai	ai	VERB
esutjss-178	232	21	,	,	PUNCT
esutjss-178	232	22	machine	machine	NOUN
esutjss-178	232	23	learning	learning	NOUN
esutjss-178	232	24	,	,	PUNCT
esutjss-178	232	25	and	and	CCONJ
esutjss-178	232	26	blockchain	blockchain	PROPN
esutjss-178	232	27	are	be	AUX
esutjss-178	232	28	seen	see	VERB
esutjss-178	232	29	as	as	ADP
esutjss-178	232	30	moderately	moderately	ADV
esutjss-178	232	31	essential	essential	ADJ
esutjss-178	232	32	.	.	PUNCT
esutjss-178	233	1	data	datum	NOUN
esutjss-178	233	2	and	and	CCONJ
esutjss-178	233	3	analytics	analytic	NOUN
esutjss-178	233	4	skills	skill	NOUN
esutjss-178	233	5	fell	fall	VERB
esutjss-178	233	6	in	in	ADP
esutjss-178	233	7	the	the	DET
esutjss-178	233	8	middle	middle	NOUN
esutjss-178	233	9	with	with	ADP
esutjss-178	233	10	more	more	ADV
esutjss-178	233	11	varied	varied	ADJ
esutjss-178	233	12	ratings	rating	NOUN
esutjss-178	233	13	.	.	PUNCT
esutjss-178	234	1	result	result	VERB
esutjss-178	234	2	2	2	NUM
esutjss-178	234	3	statement	statement	NOUN
esutjss-178	234	4	strongly	strongly	ADV
esutjss-178	234	5	disagree	disagree	VERB
esutjss-178	234	6	disagree	disagree	VERB
esutjss-178	234	7	neither	neither	CCONJ
esutjss-178	234	8	agree	agree	VERB
esutjss-178	234	9	nor	nor	CCONJ
esutjss-178	234	10	disagree	disagree	VERB
esutjss-178	234	11	agree	agree	VERB
esutjss-178	234	12	strongly	strongly	ADV
esutjss-178	234	13	agree	agree	VERB
esutjss-178	234	14	mean	mean	NOUN
esutjss-178	234	15	sd	sd	SCONJ
esutjss-178	234	16	the	the	DET
esutjss-178	234	17	nigerian	nigerian	ADJ
esutjss-178	234	18	insurance	insurance	NOUN
esutjss-178	234	19	industry	industry	NOUN
esutjss-178	234	20	workforce	workforce	NOUN
esutjss-178	234	21	has	have	VERB
esutjss-178	234	22	the	the	DET
esutjss-178	234	23	skills	skill	NOUN
esutjss-178	234	24	and	and	CCONJ
esutjss-178	234	25	knowledge	knowledge	NOUN
esutjss-178	234	26	necessary	necessary	ADJ
esutjss-178	234	27	to	to	PART
esutjss-178	234	28	meet	meet	VERB
esutjss-178	234	29	the	the	DET
esutjss-178	234	30	requirements	requirement	NOUN
esutjss-178	234	31	of	of	ADP
esutjss-178	234	32	the	the	DET
esutjss-178	234	33	digital	digital	ADJ
esutjss-178	234	34	age	age	NOUN
esutjss-178	234	35	.	.	PUNCT
esutjss-178	235	1	20	20	NUM
esutjss-178	235	2	(	(	PUNCT
esutjss-178	235	3	8	8	NUM
esutjss-178	235	4	%	%	NOUN
esutjss-178	235	5	)	)	PUNCT
esutjss-178	235	6	40	40	NUM
esutjss-178	235	7	(	(	PUNCT
esutjss-178	235	8	16	16	NUM
esutjss-178	235	9	%	%	NOUN
esutjss-178	235	10	)	)	PUNCT
esutjss-178	235	11	60	60	NUM
esutjss-178	235	12	(	(	PUNCT
esutjss-178	235	13	24	24	NUM
esutjss-178	235	14	%	%	NOUN
esutjss-178	235	15	)	)	PUNCT
esutjss-178	235	16	100	100	NUM
esutjss-178	235	17	(	(	PUNCT
esutjss-178	235	18	40	40	NUM
esutjss-178	235	19	%	%	NOUN
esutjss-178	235	20	)	)	PUNCT
esutjss-178	235	21	30	30	NUM
esutjss-178	235	22	(	(	PUNCT
esutjss-178	235	23	12	12	NUM
esutjss-178	235	24	%	%	NOUN
esutjss-178	235	25	)	)	PUNCT
esutjss-178	235	26	3.7	3.7	NUM
esutjss-178	235	27	0.9	0.9	NUM
esutjss-178	235	28	the	the	DET
esutjss-178	235	29	nigerian	nigerian	ADJ
esutjss-178	235	30	insurance	insurance	NOUN
esutjss-178	235	31	industry	industry	NOUN
esutjss-178	235	32	is	be	AUX
esutjss-178	235	33	investing	invest	VERB
esutjss-178	235	34	adequately	adequately	ADV
esutjss-178	235	35	in	in	ADP
esutjss-178	235	36	training	training	NOUN
esutjss-178	235	37	and	and	CCONJ
esutjss-178	235	38	development	development	NOUN
esutjss-178	235	39	to	to	PART
esutjss-178	235	40	prepare	prepare	VERB
esutjss-178	235	41	its	its	PRON
esutjss-178	235	42	workforce	workforce	NOUN
esutjss-178	235	43	for	for	ADP
esutjss-178	235	44	the	the	DET
esutjss-178	235	45	digital	digital	ADJ
esutjss-178	235	46	age	age	NOUN
esutjss-178	235	47	.	.	PUNCT
esutjss-178	236	1	15	15	NUM
esutjss-178	236	2	(	(	PUNCT
esutjss-178	236	3	6	6	NUM
esutjss-178	236	4	%	%	NOUN
esutjss-178	236	5	)	)	PUNCT
esutjss-178	236	6	45	45	NUM
esutjss-178	236	7	(	(	PUNCT
esutjss-178	236	8	18	18	NUM
esutjss-178	236	9	%	%	NOUN
esutjss-178	236	10	)	)	PUNCT
esutjss-178	236	11	75	75	NUM
esutjss-178	236	12	(	(	PUNCT
esutjss-178	236	13	30	30	NUM
esutjss-178	236	14	%	%	NOUN
esutjss-178	236	15	)	)	PUNCT
esutjss-178	236	16	90	90	NUM
esutjss-178	236	17	(	(	PUNCT
esutjss-178	236	18	36	36	NUM
esutjss-178	236	19	%	%	NOUN
esutjss-178	236	20	)	)	PUNCT
esutjss-178	236	21	25	25	NUM
esutjss-178	236	22	(	(	PUNCT
esutjss-178	236	23	10	10	NUM
esutjss-178	236	24	%	%	NOUN
esutjss-178	236	25	)	)	PUNCT
esutjss-178	236	26	3.5	3.5	NUM
esutjss-178	236	27	0.9	0.9	NUM
esutjss-178	236	28	the	the	DET
esutjss-178	236	29	nigerian	nigerian	ADJ
esutjss-178	236	30	insurance	insurance	NOUN
esutjss-178	236	31	industry	industry	NOUN
esutjss-178	236	32	is	be	AUX
esutjss-178	236	33	attracting	attract	VERB
esutjss-178	236	34	and	and	CCONJ
esutjss-178	236	35	retaining	retain	VERB
esutjss-178	236	36	the	the	DET
esutjss-178	236	37	talent	talent	NOUN
esutjss-178	236	38	it	it	PRON
esutjss-178	236	39	needs	need	VERB
esutjss-178	236	40	to	to	PART
esutjss-178	236	41	succeed	succeed	VERB
esutjss-178	236	42	in	in	ADP
esutjss-178	236	43	the	the	DET
esutjss-178	236	44	digital	digital	ADJ
esutjss-178	236	45	age	age	NOUN
esutjss-178	236	46	.	.	PUNCT
esutjss-178	237	1	30	30	NUM
esutjss-178	237	2	(	(	PUNCT
esutjss-178	237	3	12	12	NUM
esutjss-178	237	4	%	%	NOUN
esutjss-178	237	5	)	)	PUNCT
esutjss-178	237	6	50	50	NUM
esutjss-178	237	7	(	(	PUNCT
esutjss-178	237	8	20	20	NUM
esutjss-178	237	9	%	%	NOUN
esutjss-178	237	10	)	)	PUNCT
esutjss-178	237	11	80	80	NUM
esutjss-178	237	12	(	(	PUNCT
esutjss-178	237	13	32	32	NUM
esutjss-178	237	14	%	%	NOUN
esutjss-178	237	15	)	)	PUNCT
esutjss-178	237	16	70	70	NUM
esutjss-178	237	17	(	(	PUNCT
esutjss-178	237	18	28	28	NUM
esutjss-178	237	19	%	%	NOUN
esutjss-178	237	20	)	)	PUNCT
esutjss-178	237	21	20	20	NUM
esutjss-178	237	22	(	(	PUNCT
esutjss-178	237	23	8	8	NUM
esutjss-178	237	24	%	%	NOUN
esutjss-178	237	25	)	)	PUNCT
esutjss-178	237	26	3.3	3.3	NUM
esutjss-178	237	27	0.9	0.9	NUM
esutjss-178	237	28	source	source	NOUN
esutjss-178	237	29	:	:	PUNCT
esutjss-178	237	30	authors	author	NOUN
esutjss-178	237	31	computation	computation	VERB
esutjss-178	237	32	,	,	PUNCT
esutjss-178	237	33	2023	2023	NUM
esutjss-178	237	34	the	the	DET
esutjss-178	237	35	survey	survey	NOUN
esutjss-178	237	36	results	result	NOUN
esutjss-178	237	37	reveal	reveal	VERB
esutjss-178	237	38	some	some	DET
esutjss-178	237	39	disagreement	disagreement	NOUN
esutjss-178	237	40	and	and	CCONJ
esutjss-178	237	41	uncertainty	uncertainty	NOUN
esutjss-178	237	42	about	about	ADP
esutjss-178	237	43	whether	whether	SCONJ
esutjss-178	237	44	the	the	DET
esutjss-178	237	45	nigerian	nigerian	ADJ
esutjss-178	237	46	insurance	insurance	NOUN
esutjss-178	237	47	industry	industry	NOUN
esutjss-178	237	48	workforce	workforce	NOUN
esutjss-178	237	49	has	have	AUX
esutjss-178	237	50	the	the	DET
esutjss-178	237	51	requisite	requisite	ADJ
esutjss-178	237	52	skills	skill	NOUN
esutjss-178	237	53	for	for	ADP
esutjss-178	237	54	the	the	DET
esutjss-178	237	55	digital	digital	ADJ
esutjss-178	237	56	age	age	NOUN
esutjss-178	237	57	.	.	PUNCT
esutjss-178	238	1	40	40	NUM
esutjss-178	238	2	%	%	NOUN
esutjss-178	238	3	agreed	agree	VERB
esutjss-178	238	4	and	and	CCONJ
esutjss-178	238	5	24	24	NUM
esutjss-178	238	6	%	%	NOUN
esutjss-178	238	7	neither	neither	CCONJ
esutjss-178	238	8	agreed	agree	VERB
esutjss-178	238	9	nor	nor	CCONJ
esutjss-178	238	10	disagreed	disagree	VERB
esutjss-178	238	11	that	that	SCONJ
esutjss-178	238	12	the	the	DET
esutjss-178	238	13	workforce	workforce	NOUN
esutjss-178	238	14	has	have	VERB
esutjss-178	238	15	the	the	DET
esutjss-178	238	16	necessary	necessary	ADJ
esutjss-178	238	17	skills	skill	NOUN
esutjss-178	238	18	and	and	CCONJ
esutjss-178	238	19	knowledge	knowledge	NOUN
esutjss-178	238	20	.	.	PUNCT
esutjss-178	239	1	but	but	CCONJ
esutjss-178	239	2	24	24	NUM
esutjss-178	239	3	%	%	NOUN
esutjss-178	239	4	disagreed	disagree	VERB
esutjss-178	239	5	to	to	ADP
esutjss-178	239	6	some	some	DET
esutjss-178	239	7	extent	extent	NOUN
esutjss-178	239	8	that	that	SCONJ
esutjss-178	239	9	the	the	DET
esutjss-178	239	10	workforce	workforce	NOUN
esutjss-178	239	11	is	be	AUX
esutjss-178	239	12	prepared	prepare	VERB
esutjss-178	239	13	.	.	PUNCT
esutjss-178	240	1	the	the	DET
esutjss-178	240	2	mean	mean	ADJ
esutjss-178	240	3	rating	rating	NOUN
esutjss-178	240	4	was	be	AUX
esutjss-178	240	5	3.7	3.7	NUM
esutjss-178	240	6	and	and	CCONJ
esutjss-178	240	7	standard	standard	ADJ
esutjss-178	240	8	deviation	deviation	NOUN
esutjss-178	240	9	0.9	0.9	NUM
esutjss-178	240	10	,	,	PUNCT
esutjss-178	240	11	indicating	indicate	VERB
esutjss-178	240	12	moderately	moderately	ADV
esutjss-178	240	13	positive	positive	ADJ
esutjss-178	240	14	views	view	NOUN
esutjss-178	240	15	but	but	CCONJ
esutjss-178	240	16	some	some	DET
esutjss-178	240	17	variability	variability	NOUN
esutjss-178	240	18	.	.	PUNCT
esutjss-178	241	1	regarding	regard	VERB
esutjss-178	241	2	investment	investment	NOUN
esutjss-178	241	3	in	in	ADP
esutjss-178	241	4	training	training	NOUN
esutjss-178	241	5	and	and	CCONJ
esutjss-178	241	6	development	development	NOUN
esutjss-178	241	7	,	,	PUNCT
esutjss-178	241	8	only	only	ADV
esutjss-178	241	9	46	46	NUM
esutjss-178	241	10	%	%	NOUN
esutjss-178	241	11	agreed	agree	VERB
esutjss-178	241	12	that	that	SCONJ
esutjss-178	241	13	the	the	DET
esutjss-178	241	14	industry	industry	NOUN
esutjss-178	241	15	is	be	AUX
esutjss-178	241	16	investing	invest	VERB
esutjss-178	241	17	adequately	adequately	ADV
esutjss-178	241	18	to	to	PART
esutjss-178	241	19	prepare	prepare	VERB
esutjss-178	241	20	its	its	PRON
esutjss-178	241	21	workforce	workforce	NOUN
esutjss-178	241	22	.	.	PUNCT
esutjss-178	242	1	30	30	NUM
esutjss-178	242	2	%	%	NOUN
esutjss-178	242	3	neither	neither	CCONJ
esutjss-178	242	4	agreed	agree	VERB
esutjss-178	242	5	nor	nor	CCONJ
esutjss-178	242	6	disagreed	disagree	VERB
esutjss-178	242	7	and	and	CCONJ
esutjss-178	242	8	24	24	NUM
esutjss-178	242	9	%	%	NOUN
esutjss-178	242	10	disagreed	disagree	VERB
esutjss-178	242	11	to	to	ADP
esutjss-178	242	12	some	some	DET
esutjss-178	242	13	degree	degree	NOUN
esutjss-178	242	14	.	.	PUNCT
esutjss-178	243	1	the	the	DET
esutjss-178	243	2	mean	mean	NOUN
esutjss-178	243	3	of	of	ADP
esutjss-178	243	4	3.5	3.5	NUM
esutjss-178	243	5	and	and	CCONJ
esutjss-178	243	6	standard	standard	ADJ
esutjss-178	243	7	deviation	deviation	NOUN
esutjss-178	243	8	of	of	ADP
esutjss-178	243	9	0.9	0.9	NUM
esutjss-178	243	10	shows	show	VERB
esutjss-178	243	11	uncertainty	uncertainty	NOUN
esutjss-178	243	12	and	and	CCONJ
esutjss-178	243	13	variability	variability	NOUN
esutjss-178	243	14	in	in	ADP
esutjss-178	243	15	views	view	NOUN
esutjss-178	243	16	on	on	ADP
esutjss-178	243	17	current	current	ADJ
esutjss-178	243	18	training	training	NOUN
esutjss-178	243	19	investment	investment	NOUN
esutjss-178	243	20	.	.	PUNCT
esutjss-178	244	1	attracting	attract	VERB
esutjss-178	244	2	and	and	CCONJ
esutjss-178	244	3	retaining	retain	VERB
esutjss-178	244	4	talent	talent	NOUN
esutjss-178	244	5	garnered	garner	VERB
esutjss-178	244	6	the	the	DET
esutjss-178	244	7	lowest	low	ADJ
esutjss-178	244	8	scores	score	NOUN
esutjss-178	244	9	.	.	PUNCT
esutjss-178	245	1	just	just	ADV
esutjss-178	245	2	36	36	NUM
esutjss-178	245	3	%	%	NOUN
esutjss-178	245	4	agreed	agree	VERB
esutjss-178	245	5	the	the	DET
esutjss-178	245	6	industry	industry	NOUN
esutjss-178	245	7	is	be	AUX
esutjss-178	245	8	attracting	attract	VERB
esutjss-178	245	9	and	and	CCONJ
esutjss-178	245	10	retaining	retain	VERB
esutjss-178	245	11	the	the	DET
esutjss-178	245	12	talent	talent	NOUN
esutjss-178	245	13	it	it	PRON
esutjss-178	245	14	needs	need	VERB
esutjss-178	245	15	,	,	PUNCT
esutjss-178	245	16	while	while	SCONJ
esutjss-178	245	17	32	32	NUM
esutjss-178	245	18	%	%	NOUN
esutjss-178	245	19	neither	neither	CCONJ
esutjss-178	245	20	agreed	agree	VERB
esutjss-178	245	21	nor	nor	CCONJ
esutjss-178	245	22	disagreed	disagree	VERB
esutjss-178	245	23	,	,	PUNCT
esutjss-178	245	24	and	and	CCONJ
esutjss-178	245	25	32	32	NUM
esutjss-178	245	26	%	%	NOUN
esutjss-178	245	27	disagreed	disagree	VERB
esutjss-178	245	28	.	.	PUNCT
esutjss-178	246	1	the	the	DET
esutjss-178	246	2	mean	mean	NOUN
esutjss-178	246	3	of	of	ADP
esutjss-178	246	4	3.3	3.3	NUM
esutjss-178	246	5	and	and	CCONJ
esutjss-178	246	6	standard	standard	ADJ
esutjss-178	246	7	deviation	deviation	NOUN
esutjss-178	246	8	of	of	ADP
esutjss-178	246	9	0.9	0.9	NUM
esutjss-178	246	10	indicates	indicate	VERB
esutjss-178	246	11	overall	overall	ADJ
esutjss-178	246	12	disagreement	disagreement	NOUN
esutjss-178	246	13	that	that	SCONJ
esutjss-178	246	14	talent	talent	NOUN
esutjss-178	246	15	needs	need	NOUN
esutjss-178	246	16	are	be	AUX
esutjss-178	246	17	currently	currently	ADV
esutjss-178	246	18	being	be	AUX
esutjss-178	246	19	met	meet	VERB
esutjss-178	246	20	.	.	PUNCT
esutjss-178	247	1	respondents	respondent	NOUN
esutjss-178	247	2	expressed	express	VERB
esutjss-178	247	3	doubts	doubt	NOUN
esutjss-178	247	4	about	about	ADP
esutjss-178	247	5	whether	whether	SCONJ
esutjss-178	247	6	the	the	DET
esutjss-178	247	7	insurance	insurance	NOUN
esutjss-178	247	8	workforce	workforce	NOUN
esutjss-178	247	9	has	have	AUX
esutjss-178	247	10	the	the	DET
esutjss-178	247	11	skills	skill	NOUN
esutjss-178	247	12	for	for	ADP
esutjss-178	247	13	the	the	DET
esutjss-178	247	14	digital	digital	ADJ
esutjss-178	247	15	age	age	NOUN
esutjss-178	247	16	,	,	PUNCT
esutjss-178	247	17	is	be	AUX
esutjss-178	247	18	receiving	receive	VERB
esutjss-178	247	19	adequate	adequate	ADJ
esutjss-178	247	20	training	training	NOUN
esutjss-178	247	21	investment	investment	NOUN
esutjss-178	247	22	,	,	PUNCT
esutjss-178	247	23	and	and	CCONJ
esutjss-178	247	24	whether	whether	SCONJ
esutjss-178	247	25	the	the	DET
esutjss-178	247	26	industry	industry	NOUN
esutjss-178	247	27	is	be	AUX
esutjss-178	247	28	successfully	successfully	ADV
esutjss-178	247	29	attracting	attract	VERB
esutjss-178	247	30	and	and	CCONJ
esutjss-178	247	31	retaining	retain	VERB
esutjss-178	247	32	the	the	DET
esutjss-178	247	33	talent	talent	NOUN
esutjss-178	247	34	it	it	PRON
esutjss-178	247	35	requires	require	VERB
esutjss-178	247	36	.	.	PUNCT
esutjss-178	248	1	addressing	address	VERB
esutjss-178	248	2	these	these	DET
esutjss-178	248	3	gaps	gap	NOUN
esutjss-178	248	4	may	may	AUX
esutjss-178	248	5	be	be	AUX
esutjss-178	248	6	critical	critical	ADJ
esutjss-178	248	7	for	for	ADP
esutjss-178	248	8	the	the	DET
esutjss-178	248	9	industry	industry	NOUN
esutjss-178	248	10	's	's	PART
esutjss-178	248	11	digital	digital	ADJ
esutjss-178	248	12	readiness	readiness	NOUN
esutjss-178	248	13	.	.	PUNCT
esutjss-178	249	1	78	78	NUM
esutjss-178	249	2	hypothesis	hypothesis	NOUN
esutjss-178	249	3	testing	test	VERB
esutjss-178	249	4	𝒉𝒐𝟏	𝒉𝒐𝟏	NOUN
esutjss-178	249	5	:	:	PUNCT
esutjss-178	249	6	there	there	PRON
esutjss-178	249	7	is	be	VERB
esutjss-178	249	8	no	no	DET
esutjss-178	249	9	significant	significant	ADJ
esutjss-178	249	10	difference	difference	NOUN
esutjss-178	249	11	in	in	ADP
esutjss-178	249	12	the	the	DET
esutjss-178	249	13	readiness	readiness	NOUN
esutjss-178	249	14	of	of	ADP
esutjss-178	249	15	the	the	DET
esutjss-178	249	16	nigerian	nigerian	ADJ
esutjss-178	249	17	insurance	insurance	NOUN
esutjss-178	249	18	industry	industry	NOUN
esutjss-178	249	19	workforce	workforce	NOUN
esutjss-178	249	20	to	to	PART
esutjss-178	249	21	meet	meet	VERB
esutjss-178	249	22	the	the	DET
esutjss-178	249	23	skills	skill	NOUN
esutjss-178	249	24	and	and	CCONJ
esutjss-178	249	25	knowledge	knowledge	NOUN
esutjss-178	249	26	requirements	requirement	NOUN
esutjss-178	249	27	of	of	ADP
esutjss-178	249	28	the	the	DET
esutjss-178	249	29	digital	digital	ADJ
esutjss-178	249	30	age	age	NOUN
esutjss-178	249	31	.	.	PUNCT
esutjss-178	250	1	statement	statement	NOUN
esutjss-178	250	2	mean	mean	VERB
esutjss-178	250	3	sd	sd	ADP
esutjss-178	250	4	tstatistic	tstatistic	ADJ
esutjss-178	250	5	pvalue	pvalue	NOUN
esutjss-178	250	6	the	the	DET
esutjss-178	250	7	nigerian	nigerian	ADJ
esutjss-178	250	8	insurance	insurance	NOUN
esutjss-178	250	9	industry	industry	NOUN
esutjss-178	250	10	workforce	workforce	NOUN
esutjss-178	250	11	has	have	VERB
esutjss-178	250	12	the	the	DET
esutjss-178	250	13	skills	skill	NOUN
esutjss-178	250	14	and	and	CCONJ
esutjss-178	250	15	knowledge	knowledge	NOUN
esutjss-178	250	16	necessary	necessary	ADJ
esutjss-178	250	17	to	to	PART
esutjss-178	250	18	meet	meet	VERB
esutjss-178	250	19	the	the	DET
esutjss-178	250	20	requirements	requirement	NOUN
esutjss-178	250	21	of	of	ADP
esutjss-178	250	22	the	the	DET
esutjss-178	250	23	digital	digital	ADJ
esutjss-178	250	24	age	age	NOUN
esutjss-178	250	25	.	.	PUNCT
esutjss-178	251	1	3.7	3.7	NUM
esutjss-178	251	2	0.9	0.9	NUM
esutjss-178	251	3	2.22	2.22	NUM
esutjss-178	251	4	0.027	0.027	NUM
esutjss-178	251	5	the	the	DET
esutjss-178	251	6	nigerian	nigerian	ADJ
esutjss-178	251	7	insurance	insurance	NOUN
esutjss-178	251	8	industry	industry	NOUN
esutjss-178	251	9	is	be	AUX
esutjss-178	251	10	investing	invest	VERB
esutjss-178	251	11	adequately	adequately	ADV
esutjss-178	251	12	in	in	ADP
esutjss-178	251	13	training	training	NOUN
esutjss-178	251	14	and	and	CCONJ
esutjss-178	251	15	development	development	NOUN
esutjss-178	251	16	to	to	PART
esutjss-178	251	17	prepare	prepare	VERB
esutjss-178	251	18	its	its	PRON
esutjss-178	251	19	workforce	workforce	NOUN
esutjss-178	251	20	for	for	ADP
esutjss-178	251	21	the	the	DET
esutjss-178	251	22	digital	digital	ADJ
esutjss-178	251	23	age	age	NOUN
esutjss-178	251	24	.	.	PUNCT
esutjss-178	252	1	3.5	3.5	NUM
esutjss-178	252	2	0.9	0.9	NUM
esutjss-178	252	3	0.00	0.00	NUM
esutjss-178	252	4	1.000	1.000	NUM
esutjss-178	252	5	the	the	DET
esutjss-178	252	6	nigerian	nigerian	ADJ
esutjss-178	252	7	insurance	insurance	NOUN
esutjss-178	252	8	industry	industry	NOUN
esutjss-178	252	9	is	be	AUX
esutjss-178	252	10	attracting	attract	VERB
esutjss-178	252	11	and	and	CCONJ
esutjss-178	252	12	retaining	retain	VERB
esutjss-178	252	13	the	the	DET
esutjss-178	252	14	talent	talent	NOUN
esutjss-178	252	15	it	it	PRON
esutjss-178	252	16	needs	need	VERB
esutjss-178	252	17	to	to	PART
esutjss-178	252	18	succeed	succeed	VERB
esutjss-178	252	19	in	in	ADP
esutjss-178	252	20	the	the	DET
esutjss-178	252	21	digital	digital	ADJ
esutjss-178	252	22	age	age	NOUN
esutjss-178	252	23	.	.	PUNCT
esutjss-178	253	1	3.3	3.3	NUM
esutjss-178	253	2	0.9	0.9	NUM
esutjss-178	253	3	-2.22	-2.22	NUM
esutjss-178	253	4	0.027	0.027	NUM
esutjss-178	253	5	source	source	NOUN
esutjss-178	253	6	:	:	PUNCT
esutjss-178	253	7	authors	author	NOUN
esutjss-178	253	8	computation	computation	VERB
esutjss-178	253	9	,	,	PUNCT
esutjss-178	253	10	2023	2023	NUM
esutjss-178	253	11	.	.	PUNCT
esutjss-178	254	1	the	the	DET
esutjss-178	254	2	first	first	ADJ
esutjss-178	254	3	statement	statement	NOUN
esutjss-178	254	4	gauged	gauge	VERB
esutjss-178	254	5	agreement	agreement	NOUN
esutjss-178	254	6	that	that	SCONJ
esutjss-178	254	7	"	"	PUNCT
esutjss-178	254	8	the	the	DET
esutjss-178	254	9	nigerian	nigerian	ADJ
esutjss-178	254	10	insurance	insurance	NOUN
esutjss-178	254	11	industry	industry	NOUN
esutjss-178	254	12	workforce	workforce	NOUN
esutjss-178	254	13	has	have	AUX
esutjss-178	254	14	the	the	DET
esutjss-178	254	15	skills	skill	NOUN
esutjss-178	254	16	and	and	CCONJ
esutjss-178	254	17	knowledge	knowledge	NOUN
esutjss-178	254	18	necessary	necessary	ADJ
esutjss-178	254	19	to	to	PART
esutjss-178	254	20	meet	meet	VERB
esutjss-178	254	21	the	the	DET
esutjss-178	254	22	requirements	requirement	NOUN
esutjss-178	254	23	of	of	ADP
esutjss-178	254	24	the	the	DET
esutjss-178	254	25	digital	digital	ADJ
esutjss-178	254	26	age	age	NOUN
esutjss-178	254	27	.	.	PUNCT
esutjss-178	254	28	"	"	PUNCT
esutjss-178	255	1	this	this	PRON
esutjss-178	255	2	received	receive	VERB
esutjss-178	255	3	a	a	DET
esutjss-178	255	4	mean	mean	ADJ
esutjss-178	255	5	rating	rating	NOUN
esutjss-178	255	6	of	of	ADP
esutjss-178	255	7	3.7	3.7	NUM
esutjss-178	255	8	out	out	ADP
esutjss-178	255	9	of	of	ADP
esutjss-178	255	10	5	5	NUM
esutjss-178	255	11	,	,	PUNCT
esutjss-178	255	12	with	with	ADP
esutjss-178	255	13	a	a	DET
esutjss-178	255	14	standard	standard	ADJ
esutjss-178	255	15	deviation	deviation	NOUN
esutjss-178	255	16	of	of	ADP
esutjss-178	255	17	0.9	0.9	NUM
esutjss-178	255	18	,	,	PUNCT
esutjss-178	255	19	indicating	indicate	VERB
esutjss-178	255	20	moderate	moderate	ADJ
esutjss-178	255	21	agreement	agreement	NOUN
esutjss-178	255	22	.	.	PUNCT
esutjss-178	256	1	however	however	ADV
esutjss-178	256	2	,	,	PUNCT
esutjss-178	256	3	the	the	DET
esutjss-178	256	4	t	t	NOUN
esutjss-178	256	5	-	-	PUNCT
esutjss-178	256	6	statistic	statistic	NOUN
esutjss-178	256	7	of	of	ADP
esutjss-178	256	8	2.22	2.22	NUM
esutjss-178	256	9	and	and	CCONJ
esutjss-178	256	10	p	p	NOUN
esutjss-178	256	11	-	-	PUNCT
esutjss-178	256	12	value	value	NOUN
esutjss-178	256	13	of	of	ADP
esutjss-178	256	14	0.027	0.027	NUM
esutjss-178	256	15	suggest	suggest	VERB
esutjss-178	256	16	this	this	DET
esutjss-178	256	17	rating	rating	NOUN
esutjss-178	256	18	was	be	AUX
esutjss-178	256	19	statistically	statistically	ADV
esutjss-178	256	20	significantly	significantly	ADV
esutjss-178	256	21	higher	high	ADJ
esutjss-178	256	22	than	than	ADP
esutjss-178	256	23	the	the	DET
esutjss-178	256	24	overall	overall	ADJ
esutjss-178	256	25	sample	sample	NOUN
esutjss-178	256	26	mean	mean	VERB
esutjss-178	256	27	.	.	PUNCT
esutjss-178	257	1	the	the	DET
esutjss-178	257	2	second	second	ADJ
esutjss-178	257	3	statement	statement	NOUN
esutjss-178	257	4	assessed	assess	VERB
esutjss-178	257	5	agreement	agreement	NOUN
esutjss-178	257	6	that	that	PRON
esutjss-178	257	7	"	"	PUNCT
esutjss-178	257	8	the	the	DET
esutjss-178	257	9	nigerian	nigerian	ADJ
esutjss-178	257	10	insurance	insurance	NOUN
esutjss-178	257	11	industry	industry	NOUN
esutjss-178	257	12	is	be	AUX
esutjss-178	257	13	investing	invest	VERB
esutjss-178	257	14	adequately	adequately	ADV
esutjss-178	257	15	in	in	ADP
esutjss-178	257	16	training	training	NOUN
esutjss-178	257	17	and	and	CCONJ
esutjss-178	257	18	development	development	NOUN
esutjss-178	257	19	to	to	PART
esutjss-178	257	20	prepare	prepare	VERB
esutjss-178	257	21	its	its	PRON
esutjss-178	257	22	workforce	workforce	NOUN
esutjss-178	257	23	for	for	ADP
esutjss-178	257	24	the	the	DET
esutjss-178	257	25	digital	digital	ADJ
esutjss-178	257	26	age	age	NOUN
esutjss-178	257	27	.	.	PUNCT
esutjss-178	257	28	"	"	PUNCT
esutjss-178	258	1	it	it	PRON
esutjss-178	258	2	obtained	obtain	VERB
esutjss-178	258	3	a	a	DET
esutjss-178	258	4	mean	mean	NOUN
esutjss-178	258	5	of	of	ADP
esutjss-178	258	6	3.5	3.5	NUM
esutjss-178	258	7	and	and	CCONJ
esutjss-178	258	8	standard	standard	ADJ
esutjss-178	258	9	deviation	deviation	NOUN
esutjss-178	258	10	of	of	ADP
esutjss-178	258	11	0.9	0.9	NUM
esutjss-178	258	12	,	,	PUNCT
esutjss-178	258	13	again	again	ADV
esutjss-178	258	14	showing	show	VERB
esutjss-178	258	15	moderate	moderate	ADJ
esutjss-178	258	16	agreement	agreement	NOUN
esutjss-178	258	17	but	but	CCONJ
esutjss-178	258	18	uncertainty	uncertainty	NOUN
esutjss-178	258	19	.	.	PUNCT
esutjss-178	259	1	notably	notably	ADV
esutjss-178	259	2	,	,	PUNCT
esutjss-178	259	3	the	the	DET
esutjss-178	259	4	t	t	NOUN
esutjss-178	259	5	-	-	PUNCT
esutjss-178	259	6	statistic	statistic	NOUN
esutjss-178	259	7	of	of	ADP
esutjss-178	259	8	0.00	0.00	NUM
esutjss-178	259	9	and	and	CCONJ
esutjss-178	259	10	pvalue	pvalue	VERB
esutjss-178	259	11	greater	great	ADJ
esutjss-178	259	12	than	than	ADP
esutjss-178	259	13	0.05	0.05	NUM
esutjss-178	259	14	mean	mean	NOUN
esutjss-178	259	15	this	this	DET
esutjss-178	259	16	rating	rating	NOUN
esutjss-178	259	17	did	do	AUX
esutjss-178	259	18	not	not	PART
esutjss-178	259	19	differ	differ	VERB
esutjss-178	259	20	significantly	significantly	ADV
esutjss-178	259	21	from	from	ADP
esutjss-178	259	22	the	the	DET
esutjss-178	259	23	overall	overall	ADJ
esutjss-178	259	24	sample	sample	NOUN
esutjss-178	259	25	mean	mean	VERB
esutjss-178	259	26	.	.	PUNCT
esutjss-178	260	1	for	for	ADP
esutjss-178	260	2	the	the	DET
esutjss-178	260	3	third	third	ADJ
esutjss-178	260	4	statement	statement	NOUN
esutjss-178	260	5	,	,	PUNCT
esutjss-178	260	6	"	"	PUNCT
esutjss-178	260	7	the	the	DET
esutjss-178	260	8	nigerian	nigerian	ADJ
esutjss-178	260	9	insurance	insurance	NOUN
esutjss-178	260	10	industry	industry	NOUN
esutjss-178	260	11	is	be	AUX
esutjss-178	260	12	attracting	attract	VERB
esutjss-178	260	13	and	and	CCONJ
esutjss-178	260	14	retaining	retain	VERB
esutjss-178	260	15	the	the	DET
esutjss-178	260	16	talent	talent	NOUN
esutjss-178	260	17	it	it	PRON
esutjss-178	260	18	needs	need	VERB
esutjss-178	260	19	to	to	PART
esutjss-178	260	20	succeed	succeed	VERB
esutjss-178	260	21	in	in	ADP
esutjss-178	260	22	the	the	DET
esutjss-178	260	23	digital	digital	ADJ
esutjss-178	260	24	age	age	NOUN
esutjss-178	260	25	,	,	PUNCT
esutjss-178	260	26	"	"	PUNCT
esutjss-178	260	27	respondents	respondent	NOUN
esutjss-178	260	28	gave	give	VERB
esutjss-178	260	29	a	a	DET
esutjss-178	260	30	mean	mean	ADJ
esutjss-178	260	31	agreement	agreement	NOUN
esutjss-178	260	32	rating	rating	NOUN
esutjss-178	260	33	of	of	ADP
esutjss-178	260	34	3.3	3.3	NUM
esutjss-178	260	35	with	with	ADP
esutjss-178	260	36	a	a	DET
esutjss-178	260	37	standard	standard	ADJ
esutjss-178	260	38	deviation	deviation	NOUN
esutjss-178	260	39	of	of	ADP
esutjss-178	260	40	0.9	0.9	NUM
esutjss-178	260	41	.	.	PUNCT
esutjss-178	261	1	this	this	PRON
esutjss-178	261	2	suggests	suggest	VERB
esutjss-178	261	3	some	some	DET
esutjss-178	261	4	level	level	NOUN
esutjss-178	261	5	of	of	ADP
esutjss-178	261	6	disagreement	disagreement	NOUN
esutjss-178	261	7	.	.	PUNCT
esutjss-178	262	1	moreover	moreover	ADV
esutjss-178	262	2	,	,	PUNCT
esutjss-178	262	3	the	the	DET
esutjss-178	262	4	tstatistic	tstatistic	NOUN
esutjss-178	262	5	of	of	ADP
esutjss-178	262	6	-2.22	-2.22	NUM
esutjss-178	262	7	and	and	CCONJ
esutjss-178	262	8	p	p	NOUN
esutjss-178	262	9	-	-	PUNCT
esutjss-178	262	10	value	value	NOUN
esutjss-178	262	11	of	of	ADP
esutjss-178	262	12	0.027	0.027	NUM
esutjss-178	262	13	indicate	indicate	VERB
esutjss-178	262	14	the	the	DET
esutjss-178	262	15	rating	rating	NOUN
esutjss-178	262	16	was	be	AUX
esutjss-178	262	17	statistically	statistically	ADV
esutjss-178	262	18	significantly	significantly	ADV
esutjss-178	262	19	lower	low	ADJ
esutjss-178	262	20	than	than	SCONJ
esutjss-178	262	21	the	the	DET
esutjss-178	262	22	overall	overall	ADJ
esutjss-178	262	23	sample	sample	NOUN
esutjss-178	262	24	mean	mean	VERB
esutjss-178	262	25	.	.	PUNCT
esutjss-178	263	1	the	the	DET
esutjss-178	263	2	p	p	NOUN
esutjss-178	263	3	-	-	PUNCT
esutjss-178	263	4	value	value	NOUN
esutjss-178	263	5	for	for	ADP
esutjss-178	263	6	the	the	DET
esutjss-178	263	7	first	first	ADJ
esutjss-178	263	8	and	and	CCONJ
esutjss-178	263	9	third	third	ADJ
esutjss-178	263	10	statements	statement	NOUN
esutjss-178	263	11	is	be	AUX
esutjss-178	263	12	less	less	ADJ
esutjss-178	263	13	than	than	ADP
esutjss-178	263	14	0.05	0.05	NUM
esutjss-178	263	15	,	,	PUNCT
esutjss-178	263	16	which	which	PRON
esutjss-178	263	17	means	mean	VERB
esutjss-178	263	18	that	that	SCONJ
esutjss-178	263	19	we	we	PRON
esutjss-178	263	20	can	can	AUX
esutjss-178	263	21	reject	reject	VERB
esutjss-178	263	22	the	the	DET
esutjss-178	263	23	null	null	ADJ
esutjss-178	263	24	hypothesis	hypothesis	NOUN
esutjss-178	263	25	and	and	CCONJ
esutjss-178	263	26	conclude	conclude	VERB
esutjss-178	263	27	that	that	SCONJ
esutjss-178	263	28	there	there	PRON
esutjss-178	263	29	is	be	VERB
esutjss-178	263	30	a	a	DET
esutjss-178	263	31	statistically	statistically	ADV
esutjss-178	263	32	significant	significant	ADJ
esutjss-178	263	33	difference	difference	NOUN
esutjss-178	263	34	between	between	ADP
esutjss-178	263	35	the	the	DET
esutjss-178	263	36	mean	mean	ADJ
esutjss-178	263	37	rating	rating	NOUN
esutjss-178	263	38	for	for	ADP
esutjss-178	263	39	each	each	DET
esutjss-178	263	40	statement	statement	NOUN
esutjss-178	263	41	and	and	CCONJ
esutjss-178	263	42	the	the	DET
esutjss-178	263	43	mean	mean	ADJ
esutjss-178	263	44	rating	rating	NOUN
esutjss-178	263	45	for	for	ADP
esutjss-178	263	46	the	the	DET
esutjss-178	263	47	overall	overall	ADJ
esutjss-178	263	48	sample	sample	NOUN
esutjss-178	263	49	.	.	PUNCT
esutjss-178	264	1	in	in	ADP
esutjss-178	264	2	other	other	ADJ
esutjss-178	264	3	words	word	NOUN
esutjss-178	264	4	,	,	PUNCT
esutjss-178	264	5	the	the	DET
esutjss-178	264	6	data	data	NOUN
esutjss-178	264	7	suggests	suggest	VERB
esutjss-178	264	8	that	that	SCONJ
esutjss-178	264	9	the	the	DET
esutjss-178	264	10	nigerian	nigerian	ADJ
esutjss-178	264	11	insurance	insurance	NOUN
esutjss-178	264	12	industry	industry	NOUN
esutjss-178	264	13	workforce	workforce	NOUN
esutjss-178	264	14	is	be	AUX
esutjss-178	264	15	perceived	perceive	VERB
esutjss-178	264	16	to	to	PART
esutjss-178	264	17	be	be	AUX
esutjss-178	264	18	more	more	ADV
esutjss-178	264	19	ready	ready	ADJ
esutjss-178	264	20	for	for	ADP
esutjss-178	264	21	the	the	DET
esutjss-178	264	22	digital	digital	ADJ
esutjss-178	264	23	age	age	NOUN
esutjss-178	264	24	in	in	ADP
esutjss-178	264	25	terms	term	NOUN
esutjss-178	264	26	of	of	ADP
esutjss-178	264	27	its	its	PRON
esutjss-178	264	28	skills	skill	NOUN
esutjss-178	264	29	and	and	CCONJ
esutjss-178	264	30	knowledge	knowledge	NOUN
esutjss-178	264	31	than	than	SCONJ
esutjss-178	264	32	it	it	PRON
esutjss-178	264	33	is	be	AUX
esutjss-178	264	34	in	in	ADP
esutjss-178	264	35	terms	term	NOUN
esutjss-178	264	36	of	of	ADP
esutjss-178	264	37	its	its	PRON
esutjss-178	264	38	investment	investment	NOUN
esutjss-178	264	39	in	in	ADP
esutjss-178	264	40	training	training	NOUN
esutjss-178	264	41	and	and	CCONJ
esutjss-178	264	42	development	development	NOUN
esutjss-178	264	43	or	or	CCONJ
esutjss-178	264	44	its	its	PRON
esutjss-178	264	45	ability	ability	NOUN
esutjss-178	264	46	to	to	PART
esutjss-178	264	47	attract	attract	VERB
esutjss-178	264	48	and	and	CCONJ
esutjss-178	264	49	retain	retain	VERB
esutjss-178	264	50	talent	talent	NOUN
esutjss-178	264	51	.	.	PUNCT
esutjss-178	265	1	conclusion	conclusion	NOUN
esutjss-178	265	2	this	this	DET
esutjss-178	265	3	study	study	NOUN
esutjss-178	265	4	investigated	investigate	VERB
esutjss-178	265	5	the	the	DET
esutjss-178	265	6	impact	impact	NOUN
esutjss-178	265	7	of	of	ADP
esutjss-178	265	8	digital	digital	ADJ
esutjss-178	265	9	transformation	transformation	NOUN
esutjss-178	265	10	on	on	ADP
esutjss-178	265	11	the	the	DET
esutjss-178	265	12	nigerian	nigerian	ADJ
esutjss-178	265	13	insurance	insurance	NOUN
esutjss-178	265	14	industry	industry	NOUN
esutjss-178	265	15	's	's	PART
esutjss-178	265	16	workforce	workforce	NOUN
esutjss-178	265	17	skills	skill	NOUN
esutjss-178	265	18	and	and	CCONJ
esutjss-178	265	19	requirements	requirement	NOUN
esutjss-178	265	20	.	.	PUNCT
esutjss-178	266	1	the	the	DET
esutjss-178	266	2	results	result	NOUN
esutjss-178	266	3	reveal	reveal	VERB
esutjss-178	266	4	cybersecurity	cybersecurity	NOUN
esutjss-178	266	5	,	,	PUNCT
esutjss-178	266	6	customer	customer	NOUN
esutjss-178	266	7	relationship	relationship	NOUN
esutjss-178	266	8	management	management	NOUN
esutjss-178	266	9	,	,	PUNCT
esutjss-178	266	10	digital	digital	ADJ
esutjss-178	266	11	marketing	marketing	NOUN
esutjss-178	266	12	,	,	PUNCT
esutjss-178	266	13	agile	agile	ADJ
esutjss-178	266	14	development	development	NOUN
esutjss-178	266	15	,	,	PUNCT
esutjss-178	266	16	and	and	CCONJ
esutjss-178	266	17	user	user	NOUN
esutjss-178	266	18	experience	experience	NOUN
esutjss-178	266	19	design	design	NOUN
esutjss-178	266	20	as	as	ADP
esutjss-178	266	21	the	the	DET
esutjss-178	266	22	skills	skill	NOUN
esutjss-178	266	23	viewed	view	VERB
esutjss-178	266	24	as	as	ADP
esutjss-178	266	25	most	most	ADV
esutjss-178	266	26	critical	critical	ADJ
esutjss-178	266	27	for	for	ADP
esutjss-178	266	28	the	the	DET
esutjss-178	266	29	future	future	NOUN
esutjss-178	266	30	.	.	PUNCT
esutjss-178	267	1	data	datum	NOUN
esutjss-178	267	2	analytics	analytic	NOUN
esutjss-178	267	3	,	,	PUNCT
esutjss-178	267	4	ai	ai	VERB
esutjss-178	267	5	,	,	PUNCT
esutjss-178	267	6	and	and	CCONJ
esutjss-178	267	7	emerging	emerge	VERB
esutjss-178	267	8	technologies	technology	NOUN
esutjss-178	267	9	were	be	AUX
esutjss-178	267	10	seen	see	VERB
esutjss-178	267	11	as	as	ADP
esutjss-178	267	12	moderately	moderately	ADV
esutjss-178	267	13	important	important	ADJ
esutjss-178	267	14	.	.	PUNCT
esutjss-178	268	1	this	this	PRON
esutjss-178	268	2	aligns	align	VERB
esutjss-178	268	3	with	with	ADP
esutjss-178	268	4	literature	literature	NOUN
esutjss-178	268	5	on	on	ADP
esutjss-178	268	6	digital	digital	ADJ
esutjss-178	268	7	disruption	disruption	NOUN
esutjss-178	268	8	requiring	require	VERB
esutjss-178	268	9	customer	customer	NOUN
esutjss-178	268	10	-	-	PUNCT
esutjss-178	268	11	centricity	centricity	NOUN
esutjss-178	268	12	,	,	PUNCT
esutjss-178	268	13	security	security	NOUN
esutjss-178	268	14	,	,	PUNCT
esutjss-178	268	15	marketing	marketing	NOUN
esutjss-178	268	16	savvy	savvy	NOUN
esutjss-178	268	17	,	,	PUNCT
esutjss-178	268	18	and	and	CCONJ
esutjss-178	268	19	technical	technical	ADJ
esutjss-178	268	20	agility	agility	NOUN
esutjss-178	268	21	.	.	PUNCT
esutjss-178	269	1	chi	chi	ADJ
esutjss-178	269	2	-	-	PUNCT
esutjss-178	269	3	square	square	ADJ
esutjss-178	269	4	analysis	analysis	NOUN
esutjss-178	269	5	79	79	NUM
esutjss-178	269	6	confirmed	confirm	VERB
esutjss-178	269	7	statistically	statistically	ADV
esutjss-178	269	8	significant	significant	ADJ
esutjss-178	269	9	differences	difference	NOUN
esutjss-178	269	10	in	in	ADP
esutjss-178	269	11	importance	importance	NOUN
esutjss-178	269	12	ratings	rating	NOUN
esutjss-178	269	13	.	.	PUNCT
esutjss-178	270	1	however	however	ADV
esutjss-178	270	2	,	,	PUNCT
esutjss-178	270	3	survey	survey	NOUN
esutjss-178	270	4	responses	response	NOUN
esutjss-178	270	5	indicate	indicate	VERB
esutjss-178	270	6	doubts	doubt	NOUN
esutjss-178	270	7	about	about	ADP
esutjss-178	270	8	whether	whether	SCONJ
esutjss-178	270	9	the	the	DET
esutjss-178	270	10	nigerian	nigerian	ADJ
esutjss-178	270	11	insurance	insurance	NOUN
esutjss-178	270	12	workforce	workforce	NOUN
esutjss-178	270	13	currently	currently	ADV
esutjss-178	270	14	has	have	AUX
esutjss-178	270	15	the	the	DET
esutjss-178	270	16	requisite	requisite	ADJ
esutjss-178	270	17	digital	digital	ADJ
esutjss-178	270	18	skills	skill	NOUN
esutjss-178	270	19	and	and	CCONJ
esutjss-178	270	20	knowledge	knowledge	NOUN
esutjss-178	270	21	.	.	PUNCT
esutjss-178	271	1	there	there	PRON
esutjss-178	271	2	was	be	VERB
esutjss-178	271	3	also	also	ADV
esutjss-178	271	4	uncertainty	uncertainty	NOUN
esutjss-178	271	5	regarding	regard	VERB
esutjss-178	271	6	the	the	DET
esutjss-178	271	7	adequacy	adequacy	NOUN
esutjss-178	271	8	of	of	ADP
esutjss-178	271	9	training	training	NOUN
esutjss-178	271	10	investments	investment	NOUN
esutjss-178	271	11	to	to	PART
esutjss-178	271	12	develop	develop	VERB
esutjss-178	271	13	digital	digital	ADJ
esutjss-178	271	14	capabilities	capability	NOUN
esutjss-178	271	15	.	.	PUNCT
esutjss-178	272	1	attracting	attract	VERB
esutjss-178	272	2	and	and	CCONJ
esutjss-178	272	3	retaining	retain	VERB
esutjss-178	272	4	required	require	VERB
esutjss-178	272	5	talent	talent	NOUN
esutjss-178	272	6	garnered	garner	VERB
esutjss-178	272	7	the	the	DET
esutjss-178	272	8	lowest	low	ADJ
esutjss-178	272	9	ratings	rating	NOUN
esutjss-178	272	10	,	,	PUNCT
esutjss-178	272	11	suggesting	suggest	VERB
esutjss-178	272	12	significant	significant	ADJ
esutjss-178	272	13	concerns	concern	NOUN
esutjss-178	272	14	.	.	PUNCT
esutjss-178	273	1	hypothesis	hypothesis	NOUN
esutjss-178	273	2	testing	testing	NOUN
esutjss-178	273	3	using	use	VERB
esutjss-178	273	4	t	t	PROPN
esutjss-178	273	5	-	-	PUNCT
esutjss-178	273	6	tests	test	NOUN
esutjss-178	273	7	found	find	VERB
esutjss-178	273	8	a	a	DET
esutjss-178	273	9	significant	significant	ADJ
esutjss-178	273	10	gap	gap	NOUN
esutjss-178	273	11	between	between	ADP
esutjss-178	273	12	the	the	DET
esutjss-178	273	13	moderate	moderate	ADJ
esutjss-178	273	14	perceived	perceive	VERB
esutjss-178	273	15	readiness	readiness	NOUN
esutjss-178	273	16	of	of	ADP
esutjss-178	273	17	skills	skill	NOUN
esutjss-178	273	18	/	/	SYM
esutjss-178	273	19	knowledge	knowledge	NOUN
esutjss-178	273	20	versus	versus	ADP
esutjss-178	273	21	lower	low	ADJ
esutjss-178	273	22	readiness	readiness	NOUN
esutjss-178	273	23	perceptions	perception	NOUN
esutjss-178	273	24	for	for	ADP
esutjss-178	273	25	training	training	NOUN
esutjss-178	273	26	and	and	CCONJ
esutjss-178	273	27	talent	talent	NOUN
esutjss-178	273	28	factors	factor	NOUN
esutjss-178	273	29	.	.	PUNCT
esutjss-178	274	1	this	this	PRON
esutjss-178	274	2	indicates	indicate	VERB
esutjss-178	274	3	that	that	SCONJ
esutjss-178	274	4	actively	actively	ADV
esutjss-178	274	5	upskilling	upskille	VERB
esutjss-178	274	6	the	the	DET
esutjss-178	274	7	workforce	workforce	NOUN
esutjss-178	274	8	and	and	CCONJ
esutjss-178	274	9	reforming	reform	VERB
esutjss-178	274	10	talent	talent	NOUN
esutjss-178	274	11	management	management	NOUN
esutjss-178	274	12	practices	practice	NOUN
esutjss-178	274	13	may	may	AUX
esutjss-178	274	14	be	be	AUX
esutjss-178	274	15	necessary	necessary	ADJ
esutjss-178	274	16	to	to	PART
esutjss-178	274	17	close	close	ADJ
esutjss-178	274	18	skills	skill	NOUN
esutjss-178	274	19	gaps	gap	NOUN
esutjss-178	274	20	created	create	VERB
esutjss-178	274	21	by	by	ADP
esutjss-178	274	22	digital	digital	ADJ
esutjss-178	274	23	transformation	transformation	NOUN
esutjss-178	274	24	.	.	PUNCT
esutjss-178	275	1	these	these	DET
esutjss-178	275	2	findings	finding	NOUN
esutjss-178	275	3	align	align	VERB
esutjss-178	275	4	with	with	ADP
esutjss-178	275	5	adeoye	adeoye	NOUN
esutjss-178	275	6	(	(	PUNCT
esutjss-178	275	7	2019	2019	NUM
esutjss-178	275	8	)	)	PUNCT
esutjss-178	275	9	,	,	PUNCT
esutjss-178	275	10	who	who	PRON
esutjss-178	275	11	found	find	VERB
esutjss-178	275	12	severe	severe	ADJ
esutjss-178	275	13	skills	skill	NOUN
esutjss-178	275	14	gaps	gap	NOUN
esutjss-178	275	15	in	in	ADP
esutjss-178	275	16	areas	area	NOUN
esutjss-178	275	17	like	like	ADP
esutjss-178	275	18	analytics	analytic	NOUN
esutjss-178	275	19	and	and	CCONJ
esutjss-178	275	20	digital	digital	ADJ
esutjss-178	275	21	marketing	marketing	NOUN
esutjss-178	275	22	.	.	PUNCT
esutjss-178	276	1	okonjo	okonjo	ADJ
esutjss-178	276	2	(	(	PUNCT
esutjss-178	276	3	2021	2021	NUM
esutjss-178	276	4	)	)	PUNCT
esutjss-178	276	5	and	and	CCONJ
esutjss-178	276	6	okafor	okafor	PROPN
esutjss-178	276	7	and	and	CCONJ
esutjss-178	276	8	anene	anene	ADJ
esutjss-178	276	9	(	(	PUNCT
esutjss-178	276	10	2020	2020	NUM
esutjss-178	276	11	)	)	PUNCT
esutjss-178	276	12	also	also	ADV
esutjss-178	276	13	empirically	empirically	ADV
esutjss-178	276	14	demonstrate	demonstrate	VERB
esutjss-178	276	15	deficiencies	deficiency	NOUN
esutjss-178	276	16	in	in	ADP
esutjss-178	276	17	sought	seek	VERB
esutjss-178	276	18	-	-	PUNCT
esutjss-178	276	19	after	after	ADP
esutjss-178	276	20	data	datum	NOUN
esutjss-178	276	21	,	,	PUNCT
esutjss-178	276	22	ai	ai	VERB
esutjss-178	276	23	,	,	PUNCT
esutjss-178	276	24	and	and	CCONJ
esutjss-178	276	25	digital	digital	ADJ
esutjss-178	276	26	capabilities	capability	NOUN
esutjss-178	276	27	.	.	PUNCT
esutjss-178	277	1	the	the	DET
esutjss-178	277	2	talent	talent	NOUN
esutjss-178	277	3	attraction	attraction	NOUN
esutjss-178	277	4	challenges	challenge	NOUN
esutjss-178	277	5	noted	note	VERB
esutjss-178	277	6	corroborate	corroborate	VERB
esutjss-178	277	7	usman	usman	PROPN
esutjss-178	277	8	(	(	PUNCT
esutjss-178	277	9	2020	2020	NUM
esutjss-178	277	10	)	)	PUNCT
esutjss-178	277	11	,	,	PUNCT
esutjss-178	277	12	who	who	PRON
esutjss-178	277	13	highlights	highlight	VERB
esutjss-178	277	14	shortcomings	shortcoming	NOUN
esutjss-178	277	15	in	in	ADP
esutjss-178	277	16	insurer	insurer	NOUN
esutjss-178	277	17	's	's	PART
esutjss-178	277	18	human	human	ADJ
esutjss-178	277	19	capital	capital	NOUN
esutjss-178	277	20	strategies	strategy	NOUN
esutjss-178	277	21	.	.	PUNCT
esutjss-178	278	1	as	as	ADP
esutjss-178	278	2	tunde	tunde	PROPN
esutjss-178	278	3	and	and	CCONJ
esutjss-178	278	4	fatokun	fatokun	NOUN
esutjss-178	278	5	(	(	PUNCT
esutjss-178	278	6	2018	2018	NUM
esutjss-178	278	7	)	)	PUNCT
esutjss-178	278	8	note	note	NOUN
esutjss-178	278	9	,	,	PUNCT
esutjss-178	278	10	targeted	target	VERB
esutjss-178	278	11	reskilling	reskille	VERB
esutjss-178	278	12	programs	program	NOUN
esutjss-178	278	13	could	could	AUX
esutjss-178	278	14	aid	aid	VERB
esutjss-178	278	15	the	the	DET
esutjss-178	278	16	transition	transition	NOUN
esutjss-178	278	17	by	by	ADP
esutjss-178	278	18	equipping	equip	VERB
esutjss-178	278	19	vulnerable	vulnerable	ADJ
esutjss-178	278	20	workers	worker	NOUN
esutjss-178	278	21	with	with	ADP
esutjss-178	278	22	digital	digital	ADJ
esutjss-178	278	23	skills	skill	NOUN
esutjss-178	278	24	.	.	PUNCT
esutjss-178	279	1	the	the	DET
esutjss-178	279	2	significance	significance	NOUN
esutjss-178	279	3	testing	testing	NOUN
esutjss-178	279	4	indicates	indicate	VERB
esutjss-178	279	5	that	that	SCONJ
esutjss-178	279	6	actively	actively	ADV
esutjss-178	279	7	upskilling	upskille	VERB
esutjss-178	279	8	and	and	CCONJ
esutjss-178	279	9	reforming	reform	VERB
esutjss-178	279	10	talent	talent	NOUN
esutjss-178	279	11	practices	practice	NOUN
esutjss-178	279	12	are	be	AUX
esutjss-178	279	13	needed	need	VERB
esutjss-178	279	14	to	to	PART
esutjss-178	279	15	close	close	VERB
esutjss-178	279	16	skills	skill	NOUN
esutjss-178	279	17	gaps	gap	NOUN
esutjss-178	279	18	,	,	PUNCT
esutjss-178	279	19	as	as	SCONJ
esutjss-178	279	20	emphasized	emphasize	VERB
esutjss-178	279	21	by	by	ADP
esutjss-178	279	22	adegbite	adegbite	PROPN
esutjss-178	279	23	et	et	PROPN
esutjss-178	279	24	al	al	PROPN
esutjss-178	279	25	.	.	PROPN
esutjss-178	280	1	(	(	PUNCT
esutjss-178	280	2	2020	2020	NUM
esutjss-178	280	3	)	)	PUNCT
esutjss-178	280	4	.	.	PUNCT
esutjss-178	281	1	dedicated	dedicated	ADJ
esutjss-178	281	2	training	training	NOUN
esutjss-178	281	3	initiatives	initiative	NOUN
esutjss-178	281	4	should	should	AUX
esutjss-178	281	5	focus	focus	VERB
esutjss-178	281	6	on	on	ADP
esutjss-178	281	7	building	build	VERB
esutjss-178	281	8	advanced	advanced	ADJ
esutjss-178	281	9	digital	digital	ADJ
esutjss-178	281	10	fluency	fluency	NOUN
esutjss-178	281	11	,	,	PUNCT
esutjss-178	281	12	as	as	ADP
esutjss-178	281	13	okafor	okafor	PROPN
esutjss-178	281	14	and	and	CCONJ
esutjss-178	281	15	anene	anene	ADJ
esutjss-178	281	16	(	(	PUNCT
esutjss-178	281	17	2020	2020	NUM
esutjss-178	281	18	)	)	PUNCT
esutjss-178	281	19	advocate	advocate	NOUN
esutjss-178	281	20	.	.	PUNCT
esutjss-178	282	1	collaborations	collaboration	NOUN
esutjss-178	282	2	between	between	ADP
esutjss-178	282	3	insurers	insurer	NOUN
esutjss-178	282	4	,	,	PUNCT
esutjss-178	282	5	government	government	NOUN
esutjss-178	282	6	and	and	CCONJ
esutjss-178	282	7	academia	academia	NOUN
esutjss-178	282	8	can	can	AUX
esutjss-178	282	9	support	support	VERB
esutjss-178	282	10	curriculum	curriculum	NOUN
esutjss-178	282	11	reforms	reform	NOUN
esutjss-178	282	12	and	and	CCONJ
esutjss-178	282	13	expanded	expand	VERB
esutjss-178	282	14	training	training	NOUN
esutjss-178	282	15	pipelines	pipeline	NOUN
esutjss-178	282	16	,	,	PUNCT
esutjss-178	282	17	as	as	SCONJ
esutjss-178	282	18	proposed	propose	VERB
esutjss-178	282	19	by	by	ADP
esutjss-178	282	20	adeoye	adeoye	PROPN
esutjss-178	282	21	(	(	PUNCT
esutjss-178	282	22	2019	2019	NUM
esutjss-178	282	23	)	)	PUNCT
esutjss-178	282	24	and	and	CCONJ
esutjss-178	282	25	okonjo	okonjo	ADJ
esutjss-178	282	26	(	(	PUNCT
esutjss-178	282	27	2021	2021	NUM
esutjss-178	282	28	)	)	PUNCT
esutjss-178	282	29	.	.	PUNCT
esutjss-178	283	1	finally	finally	ADV
esutjss-178	283	2	,	,	PUNCT
esutjss-178	283	3	this	this	DET
esutjss-178	283	4	study	study	NOUN
esutjss-178	283	5	provides	provide	VERB
esutjss-178	283	6	empirical	empirical	ADJ
esutjss-178	283	7	evidence	evidence	NOUN
esutjss-178	283	8	that	that	SCONJ
esutjss-178	283	9	the	the	DET
esutjss-178	283	10	nigerian	nigerian	ADJ
esutjss-178	283	11	insurance	insurance	NOUN
esutjss-178	283	12	workforce	workforce	NOUN
esutjss-178	283	13	requires	require	VERB
esutjss-178	283	14	urgent	urgent	ADJ
esutjss-178	283	15	skilling	skilling	NOUN
esutjss-178	283	16	and	and	CCONJ
esutjss-178	283	17	development	development	NOUN
esutjss-178	283	18	to	to	PART
esutjss-178	283	19	capitalize	capitalize	VERB
esutjss-178	283	20	on	on	ADP
esutjss-178	283	21	digital	digital	ADJ
esutjss-178	283	22	opportunities	opportunity	NOUN
esutjss-178	283	23	.	.	PUNCT
esutjss-178	284	1	the	the	DET
esutjss-178	284	2	findings	finding	NOUN
esutjss-178	284	3	offer	offer	VERB
esutjss-178	284	4	insights	insight	NOUN
esutjss-178	284	5	to	to	PART
esutjss-178	284	6	inform	inform	VERB
esutjss-178	284	7	policies	policy	NOUN
esutjss-178	284	8	and	and	CCONJ
esutjss-178	284	9	initiatives	initiative	NOUN
esutjss-178	284	10	aimed	aim	VERB
esutjss-178	284	11	at	at	ADP
esutjss-178	284	12	boosting	boost	VERB
esutjss-178	284	13	digital	digital	ADJ
esutjss-178	284	14	readiness	readiness	NOUN
esutjss-178	284	15	.	.	PUNCT
esutjss-178	285	1	further	further	ADJ
esutjss-178	285	2	research	research	NOUN
esutjss-178	285	3	can	can	AUX
esutjss-178	285	4	build	build	VERB
esutjss-178	285	5	on	on	ADP
esutjss-178	285	6	this	this	DET
esutjss-178	285	7	work	work	NOUN
esutjss-178	285	8	by	by	ADP
esutjss-178	285	9	evaluating	evaluate	VERB
esutjss-178	285	10	readiness	readiness	NOUN
esutjss-178	285	11	over	over	ADP
esutjss-178	285	12	time	time	NOUN
esutjss-178	285	13	,	,	PUNCT
esutjss-178	285	14	optimal	optimal	ADJ
esutjss-178	285	15	training	training	NOUN
esutjss-178	285	16	models	model	NOUN
esutjss-178	285	17	,	,	PUNCT
esutjss-178	285	18	and	and	CCONJ
esutjss-178	285	19	talent	talent	NOUN
esutjss-178	285	20	innovations	innovation	NOUN
esutjss-178	285	21	.	.	PUNCT
esutjss-178	286	1	but	but	CCONJ
esutjss-178	286	2	addressing	address	VERB
esutjss-178	286	3	the	the	DET
esutjss-178	286	4	digital	digital	ADJ
esutjss-178	286	5	skills	skill	NOUN
esutjss-178	286	6	imperative	imperative	NOUN
esutjss-178	286	7	remains	remain	VERB
esutjss-178	286	8	a	a	DET
esutjss-178	286	9	strategic	strategic	ADJ
esutjss-178	286	10	priority	priority	NOUN
esutjss-178	286	11	for	for	SCONJ
esutjss-178	286	12	nigerian	nigerian	ADJ
esutjss-178	286	13	insurers	insurer	NOUN
esutjss-178	286	14	seeking	seek	VERB
esutjss-178	286	15	to	to	PART
esutjss-178	286	16	thrive	thrive	VERB
esutjss-178	286	17	amidst	amidst	ADP
esutjss-178	286	18	disruption	disruption	NOUN
esutjss-178	286	19	.	.	PUNCT
esutjss-178	287	1	with	with	ADP
esutjss-178	287	2	focused	focus	VERB
esutjss-178	287	3	investments	investment	NOUN
esutjss-178	287	4	in	in	ADP
esutjss-178	287	5	human	human	ADJ
esutjss-178	287	6	capital	capital	NOUN
esutjss-178	287	7	,	,	PUNCT
esutjss-178	287	8	the	the	DET
esutjss-178	287	9	industry	industry	NOUN
esutjss-178	287	10	can	can	AUX
esutjss-178	287	11	flourish	flourish	VERB
esutjss-178	287	12	in	in	ADP
esutjss-178	287	13	the	the	DET
esutjss-178	287	14	digital	digital	ADJ
esutjss-178	287	15	age	age	NOUN
esutjss-178	287	16	.	.	PUNCT
esutjss-178	288	1	references	reference	NOUN
esutjss-178	288	2	adegbite	adegbite	VERB
esutjss-178	288	3	,	,	PUNCT
esutjss-178	288	4	o.	o.	PROPN
esutjss-178	288	5	,	,	PUNCT
esutjss-178	288	6	eluyela	eluyela	PROPN
esutjss-178	288	7	,	,	PUNCT
esutjss-178	288	8	d.	d.	PROPN
esutjss-178	288	9	,	,	PUNCT
esutjss-178	288	10	olalekan	olalekan	PROPN
esutjss-178	288	11	,	,	PUNCT
esutjss-178	288	12	l.	l.	PROPN
esutjss-178	288	13	,	,	PUNCT
esutjss-178	288	14	&	&	CCONJ
esutjss-178	288	15	temitope	temitope	PROPN
esutjss-178	288	16	,	,	PUNCT
esutjss-178	288	17	a.	a.	NOUN
esutjss-178	288	18	(	(	PUNCT
esutjss-178	288	19	2020	2020	NUM
esutjss-178	288	20	)	)	PUNCT
esutjss-178	288	21	.	.	PUNCT
esutjss-178	289	1	data	datum	NOUN
esutjss-178	289	2	mining	mining	NOUN
esutjss-178	289	3	and	and	CCONJ
esutjss-178	289	4	analytics	analytic	NOUN
esutjss-178	289	5	in	in	ADP
esutjss-178	289	6	the	the	DET
esutjss-178	289	7	insurance	insurance	NOUN
esutjss-178	289	8	industry	industry	NOUN
esutjss-178	289	9	in	in	ADP
esutjss-178	289	10	nigeria	nigeria	PROPN
esutjss-178	289	11	:	:	PUNCT
esutjss-178	289	12	challenges	challenge	NOUN
esutjss-178	289	13	and	and	CCONJ
esutjss-178	289	14	opportunities	opportunity	NOUN
esutjss-178	289	15	.	.	PUNCT
esutjss-178	290	1	data	datum	NOUN
esutjss-178	290	2	technologies	technology	NOUN
esutjss-178	290	3	and	and	CCONJ
esutjss-178	290	4	applications	application	NOUN
esutjss-178	290	5	,	,	PUNCT
esutjss-178	290	6	54(2	54(2	NUM
esutjss-178	290	7	)	)	PUNCT
esutjss-178	290	8	,	,	PUNCT
esutjss-178	290	9	140	140	NUM
esutjss-178	290	10	-	-	SYM
esutjss-178	290	11	161	161	NUM
esutjss-178	290	12	.	.	PUNCT
esutjss-178	291	1	adeoye	adeoye	PROPN
esutjss-178	291	2	,	,	PUNCT
esutjss-178	291	3	a.	a.	NOUN
esutjss-178	291	4	o.	o.	PROPN
esutjss-178	291	5	(	(	PUNCT
esutjss-178	291	6	2019	2019	NUM
esutjss-178	291	7	)	)	PUNCT
esutjss-178	291	8	.	.	PUNCT
esutjss-178	292	1	digitalization	digitalization	NOUN
esutjss-178	292	2	and	and	CCONJ
esutjss-178	292	3	the	the	DET
esutjss-178	292	4	future	future	NOUN
esutjss-178	292	5	of	of	ADP
esutjss-178	292	6	work	work	NOUN
esutjss-178	292	7	in	in	ADP
esutjss-178	292	8	nigeria	nigeria	PROPN
esutjss-178	292	9	's	's	PART
esutjss-178	292	10	insurance	insurance	NOUN
esutjss-178	292	11	sector	sector	NOUN
esutjss-178	292	12	.	.	PUNCT
esutjss-178	293	1	the	the	DET
esutjss-178	293	2	african	african	ADJ
esutjss-178	293	3	journal	journal	PROPN
esutjss-178	293	4	of	of	ADP
esutjss-178	293	5	information	information	NOUN
esutjss-178	293	6	systems	system	NOUN
esutjss-178	293	7	,	,	PUNCT
esutjss-178	293	8	11(2	11(2	NUM
esutjss-178	293	9	)	)	PUNCT
esutjss-178	293	10	,	,	PUNCT
esutjss-178	293	11	81	81	NUM
esutjss-178	293	12	-	-	SYM
esutjss-178	293	13	104	104	NUM
esutjss-178	293	14	.	.	PUNCT
esutjss-178	294	1	aina	aina	PROPN
esutjss-178	294	2	,	,	PUNCT
esutjss-178	294	3	j.	j.	PROPN
esutjss-178	294	4	,	,	PUNCT
esutjss-178	294	5	ganiyu	ganiyu	NOUN
esutjss-178	294	6	,	,	PUNCT
esutjss-178	294	7	k.	k.	PROPN
esutjss-178	294	8	,	,	PUNCT
esutjss-178	294	9	&	&	CCONJ
esutjss-178	294	10	oloriegbe	oloriegbe	PROPN
esutjss-178	294	11	,	,	PUNCT
esutjss-178	294	12	k.	k.	PROPN
esutjss-178	294	13	s.	s.	PROPN
esutjss-178	294	14	(	(	PUNCT
esutjss-178	294	15	2023	2023	NUM
esutjss-178	294	16	)	)	PUNCT
esutjss-178	294	17	.	.	PUNCT
esutjss-178	295	1	cloud	cloud	NOUN
esutjss-178	295	2	-	-	PUNCT
esutjss-178	295	3	based	base	VERB
esutjss-178	295	4	collaborative	collaborative	ADJ
esutjss-178	295	5	suite	suite	NOUN
esutjss-178	295	6	and	and	CCONJ
esutjss-178	295	7	employee	employee	NOUN
esutjss-178	295	8	enablement	enablement	NOUN
esutjss-178	295	9	as	as	ADP
esutjss-178	295	10	digital	digital	ADJ
esutjss-178	295	11	transformation	transformation	NOUN
esutjss-178	295	12	strategies	strategy	NOUN
esutjss-178	295	13	for	for	ADP
esutjss-178	295	14	achieving	achieve	VERB
esutjss-178	295	15	organizational	organizational	ADJ
esutjss-178	295	16	sustainability	sustainability	NOUN
esutjss-178	295	17	among	among	ADP
esutjss-178	295	18	insurance	insurance	NOUN
esutjss-178	295	19	companies	company	NOUN
esutjss-178	295	20	in	in	ADP
esutjss-178	295	21	nigeria	nigeria	PROPN
esutjss-178	295	22	.	.	PUNCT
esutjss-178	296	1	esut	esut	PROPN
esutjss-178	296	2	journal	journal	PROPN
esutjss-178	296	3	of	of	ADP
esutjss-178	296	4	social	social	ADJ
esutjss-178	296	5	sciences	science	NOUN
esutjss-178	296	6	,	,	PUNCT
esutjss-178	296	7	8(1	8(1	NOUN
esutjss-178	296	8	)	)	PUNCT
esutjss-178	296	9	.	.	PUNCT
esutjss-178	297	1	80	80	NUM
esutjss-178	297	2	ajemunigbohun	ajemunigbohun	PROPN
esutjss-178	297	3	,	,	PUNCT
esutjss-178	297	4	s.	s.	PROPN
esutjss-178	297	5	s.	s.	PROPN
esutjss-178	297	6	,	,	PUNCT
esutjss-178	297	7	oreshile	oreshile	VERB
esutjss-178	297	8	,	,	PUNCT
esutjss-178	297	9	s.	s.	PROPN
esutjss-178	297	10	a.	a.	PROPN
esutjss-178	297	11	,	,	PUNCT
esutjss-178	297	12	&	&	CCONJ
esutjss-178	297	13	alli	alli	PROPN
esutjss-178	297	14	,	,	PUNCT
esutjss-178	297	15	n.	n.	PROPN
esutjss-178	297	16	g.	g.	PROPN
esutjss-178	297	17	(	(	PUNCT
esutjss-178	297	18	2018	2018	NUM
esutjss-178	297	19	)	)	PUNCT
esutjss-178	297	20	.	.	PUNCT
esutjss-178	298	1	internal	internal	ADJ
esutjss-178	298	2	marketing	marketing	NOUN
esutjss-178	298	3	,	,	PUNCT
esutjss-178	298	4	salesforce	salesforce	NOUN
esutjss-178	298	5	performance	performance	NOUN
esutjss-178	298	6	and	and	CCONJ
esutjss-178	298	7	service	service	NOUN
esutjss-178	298	8	delivery	delivery	NOUN
esutjss-178	298	9	:	:	PUNCT
esutjss-178	298	10	empirical	empirical	ADJ
esutjss-178	298	11	evidence	evidence	NOUN
esutjss-178	298	12	from	from	ADP
esutjss-178	298	13	the	the	DET
esutjss-178	298	14	nigerian	nigerian	ADJ
esutjss-178	298	15	insurance	insurance	NOUN
esutjss-178	298	16	industry	industry	NOUN
esutjss-178	298	17	.	.	PUNCT
esutjss-178	299	1	annals	annal	NOUN
esutjss-178	299	2	of	of	ADP
esutjss-178	299	3	the	the	DET
esutjss-178	299	4	university	university	PROPN
esutjss-178	299	5	of	of	ADP
esutjss-178	299	6	craiova	craiova	PROPN
esutjss-178	299	7	,	,	PUNCT
esutjss-178	299	8	economic	economic	ADJ
esutjss-178	299	9	sciences	sciences	PROPN
esutjss-178	299	10	series	series	NOUN
esutjss-178	299	11	,	,	PUNCT
esutjss-178	299	12	1(46	1(46	NUM
esutjss-178	299	13	)	)	PUNCT
esutjss-178	299	14	.	.	PUNCT
esutjss-178	300	1	alli	alli	PROPN
esutjss-178	300	2	,	,	PUNCT
esutjss-178	300	3	n.	n.	PROPN
esutjss-178	300	4	g.	g.	PROPN
esutjss-178	300	5	,	,	PUNCT
esutjss-178	300	6	aina	aina	PROPN
esutjss-178	300	7	,	,	PUNCT
esutjss-178	300	8	j.	j.	PROPN
esutjss-178	300	9	,	,	PUNCT
esutjss-178	300	10	&	&	CCONJ
esutjss-178	300	11	ganiyu	ganiyu	PROPN
esutjss-178	300	12	,	,	PUNCT
esutjss-178	300	13	k.	k.	PROPN
esutjss-178	300	14	(	(	PUNCT
esutjss-178	300	15	2023	2023	NUM
esutjss-178	300	16	)	)	PUNCT
esutjss-178	300	17	.	.	PUNCT
esutjss-178	301	1	awareness	awareness	NOUN
esutjss-178	301	2	and	and	CCONJ
esutjss-178	301	3	acceptance	acceptance	NOUN
esutjss-178	301	4	of	of	ADP
esutjss-178	301	5	household	household	NOUN
esutjss-178	301	6	(	(	PUNCT
esutjss-178	301	7	building	building	NOUN
esutjss-178	301	8	)	)	PUNCT
esutjss-178	301	9	insurance	insurance	NOUN
esutjss-178	301	10	among	among	ADP
esutjss-178	301	11	private	private	ADJ
esutjss-178	301	12	residence	residence	NOUN
esutjss-178	301	13	of	of	ADP
esutjss-178	301	14	flood	flood	NOUN
esutjss-178	301	15	prone	prone	ADJ
esutjss-178	301	16	areas	area	NOUN
esutjss-178	301	17	in	in	ADP
esutjss-178	301	18	lagos	lagos	PROPN
esutjss-178	301	19	state	state	NOUN
esutjss-178	301	20	,	,	PUNCT
esutjss-178	301	21	nigeria	nigeria	PROPN
esutjss-178	301	22	.	.	PUNCT
esutjss-178	302	1	caritas	caritas	PROPN
esutjss-178	302	2	journal	journal	PROPN
esutjss-178	302	3	of	of	ADP
esutjss-178	302	4	management	management	NOUN
esutjss-178	302	5	,	,	PUNCT
esutjss-178	302	6	,	,	PUNCT
esutjss-178	302	7	social	social	ADJ
esutjss-178	302	8	sciences	science	NOUN
esutjss-178	302	9	and	and	CCONJ
esutjss-178	302	10	humanities	humanity	NOUN
esutjss-178	302	11	,	,	PUNCT
esutjss-178	302	12	2(1	2(1	NUM
esutjss-178	302	13	)	)	PUNCT
esutjss-178	302	14	.	.	PUNCT
esutjss-178	303	1	alli	alli	PROPN
esutjss-178	303	2	,	,	PUNCT
esutjss-178	303	3	n.	n.	PROPN
esutjss-178	303	4	g.	g.	PROPN
esutjss-178	303	5	,	,	PUNCT
esutjss-178	303	6	ganiyu	ganiyu	NOUN
esutjss-178	303	7	,	,	PUNCT
esutjss-178	303	8	k.	k.	PROPN
esutjss-178	303	9	,	,	PUNCT
esutjss-178	303	10	&	&	CCONJ
esutjss-178	303	11	aina	aina	PROPN
esutjss-178	303	12	,	,	PUNCT
esutjss-178	303	13	j.	j.	PROPN
esutjss-178	303	14	(	(	PUNCT
esutjss-178	303	15	2020	2020	NUM
esutjss-178	303	16	)	)	PUNCT
esutjss-178	303	17	.	.	PUNCT
esutjss-178	304	1	place	place	NOUN
esutjss-178	304	2	of	of	ADP
esutjss-178	304	3	nigerian	nigerian	ADJ
esutjss-178	304	4	insurance	insurance	NOUN
esutjss-178	304	5	industry	industry	NOUN
esutjss-178	304	6	in	in	ADP
esutjss-178	304	7	cryptocurrency	cryptocurrency	NOUN
esutjss-178	304	8	insurance	insurance	NOUN
esutjss-178	304	9	as	as	ADP
esutjss-178	304	10	an	an	DET
esutjss-178	304	11	emerging	emerge	VERB
esutjss-178	304	12	market	market	NOUN
esutjss-178	304	13	.	.	PUNCT
esutjss-178	305	1	esut	esut	PROPN
esutjss-178	305	2	journal	journal	PROPN
esutjss-178	305	3	of	of	ADP
esutjss-178	305	4	social	social	ADJ
esutjss-178	305	5	sciences	science	NOUN
esutjss-178	305	6	,	,	PUNCT
esutjss-178	305	7	5(3	5(3	NUM
esutjss-178	305	8	)	)	PUNCT
esutjss-178	305	9	.	.	PUNCT
esutjss-178	306	1	alli	alli	PROPN
esutjss-178	306	2	,	,	PUNCT
esutjss-178	306	3	n.	n.	PROPN
esutjss-178	306	4	g.	g.	PROPN
esutjss-178	306	5	,	,	PUNCT
esutjss-178	306	6	ganiyu	ganiyu	NOUN
esutjss-178	306	7	,	,	PUNCT
esutjss-178	306	8	k.	k.	PROPN
esutjss-178	306	9	,	,	PUNCT
esutjss-178	306	10	&	&	CCONJ
esutjss-178	306	11	aina	aina	PROPN
esutjss-178	306	12	,	,	PUNCT
esutjss-178	306	13	j.	j.	PROPN
esutjss-178	306	14	(	(	PUNCT
esutjss-178	306	15	2021	2021	NUM
esutjss-178	306	16	)	)	PUNCT
esutjss-178	306	17	.	.	PUNCT
esutjss-178	307	1	knowledge	knowledge	NOUN
esutjss-178	307	2	,	,	PUNCT
esutjss-178	307	3	attitude	attitude	NOUN
esutjss-178	307	4	and	and	CCONJ
esutjss-178	307	5	perception	perception	NOUN
esutjss-178	307	6	of	of	ADP
esutjss-178	307	7	artificial	artificial	ADJ
esutjss-178	307	8	intelligence	intelligence	NOUN
esutjss-178	307	9	and	and	CCONJ
esutjss-178	307	10	its	its	PRON
esutjss-178	307	11	application	application	NOUN
esutjss-178	307	12	in	in	ADP
esutjss-178	307	13	the	the	DET
esutjss-178	307	14	key	key	ADJ
esutjss-178	307	15	operations	operation	NOUN
esutjss-178	307	16	of	of	ADP
esutjss-178	307	17	insurance	insurance	NOUN
esutjss-178	307	18	in	in	ADP
esutjss-178	307	19	nigeria	nigeria	PROPN
esutjss-178	307	20	.	.	PUNCT
esutjss-178	308	1	nigerian	nigerian	PROPN
esutjss-178	308	2	journal	journal	PROPN
esutjss-178	308	3	of	of	ADP
esutjss-178	308	4	risk	risk	NOUN
esutjss-178	308	5	and	and	CCONJ
esutjss-178	308	6	insurance	insurance	NOUN
esutjss-178	308	7	,	,	PUNCT
esutjss-178	308	8	11(1	11(1	NUM
esutjss-178	308	9	)	)	PUNCT
esutjss-178	308	10	,	,	PUNCT
esutjss-178	308	11	1	1	NUM
esutjss-178	308	12	-	-	SYM
esutjss-178	308	13	19	19	NUM
esutjss-178	308	14	.	.	PUNCT
esutjss-178	309	1	candi	candi	NOUN
esutjss-178	309	2	,	,	PUNCT
esutjss-178	309	3	m.	m.	NOUN
esutjss-178	309	4	,	,	PUNCT
esutjss-178	309	5	beltagui	beltagui	PROPN
esutjss-178	309	6	,	,	PUNCT
esutjss-178	309	7	a.	a.	PROPN
esutjss-178	309	8	,	,	PUNCT
esutjss-178	309	9	&	&	CCONJ
esutjss-178	309	10	riedel	riedel	PROPN
esutjss-178	309	11	,	,	PUNCT
esutjss-178	309	12	j.	j.	PROPN
esutjss-178	309	13	c.	c.	PROPN
esutjss-178	309	14	(	(	PUNCT
esutjss-178	309	15	2021	2021	NUM
esutjss-178	309	16	)	)	PUNCT
esutjss-178	309	17	.	.	PUNCT
esutjss-178	310	1	innovation	innovation	NOUN
esutjss-178	310	2	through	through	ADP
esutjss-178	310	3	experience	experience	NOUN
esutjss-178	310	4	staging	staging	NOUN
esutjss-178	310	5	:	:	PUNCT
esutjss-178	310	6	motives	motive	NOUN
esutjss-178	310	7	and	and	CCONJ
esutjss-178	310	8	outcomes	outcome	NOUN
esutjss-178	310	9	.	.	PUNCT
esutjss-178	311	1	journal	journal	NOUN
esutjss-178	311	2	of	of	ADP
esutjss-178	311	3	product	product	NOUN
esutjss-178	311	4	innovation	innovation	NOUN
esutjss-178	311	5	management	management	NOUN
esutjss-178	311	6	,	,	PUNCT
esutjss-178	311	7	38(2	38(2	NOUN
esutjss-178	311	8	)	)	PUNCT
esutjss-178	311	9	,	,	PUNCT
esutjss-178	311	10	180	180	NUM
esutjss-178	311	11	-	-	SYM
esutjss-178	311	12	203	203	NUM
esutjss-178	311	13	.	.	PUNCT
esutjss-178	311	14	capgemini	capgemini	PROPN
esutjss-178	311	15	.	.	PROPN
esutjss-178	312	1	(	(	PUNCT
esutjss-178	312	2	2020	2020	NUM
esutjss-178	312	3	)	)	PUNCT
esutjss-178	312	4	.	.	PUNCT
esutjss-178	313	1	world	world	NOUN
esutjss-178	313	2	insurance	insurance	NOUN
esutjss-178	313	3	report	report	NOUN
esutjss-178	313	4	2020	2020	NUM
esutjss-178	313	5	.	.	PUNCT
esutjss-178	314	1	retrieved	retrieve	VERB
esutjss-178	314	2	from	from	ADP
esutjss-178	314	3	capgemini	capgemini	ADJ
esutjss-178	314	4	website	website	NOUN
esutjss-178	314	5	:	:	PUNCT
esutjss-178	314	6	https://worldinsurancereport.com/	https://worldinsurancereport.com/	PROPN
esutjss-178	314	7	chaffey	chaffey	PROPN
esutjss-178	314	8	,	,	PUNCT
esutjss-178	314	9	d.	d.	PROPN
esutjss-178	314	10	,	,	PUNCT
esutjss-178	314	11	&	&	CCONJ
esutjss-178	314	12	ellis	ellis	PROPN
esutjss-178	314	13	-	-	PUNCT
esutjss-178	314	14	chadwick	chadwick	PROPN
esutjss-178	314	15	,	,	PUNCT
esutjss-178	314	16	f.	f.	PROPN
esutjss-178	314	17	(	(	PUNCT
esutjss-178	314	18	2020	2020	NUM
esutjss-178	314	19	)	)	PUNCT
esutjss-178	314	20	.	.	PUNCT
esutjss-178	315	1	digital	digital	ADJ
esutjss-178	315	2	marketing	marketing	NOUN
esutjss-178	315	3	.	.	PUNCT
esutjss-178	316	1	pearson	pearson	PROPN
esutjss-178	316	2	uk	uk	PROPN
esutjss-178	316	3	.	.	PROPN
esutjss-178	316	4	chanias	chanias	PROPN
esutjss-178	316	5	,	,	PUNCT
esutjss-178	316	6	s.	s.	PROPN
esutjss-178	316	7	,	,	PUNCT
esutjss-178	316	8	&	&	CCONJ
esutjss-178	316	9	hess	hess	PROPN
esutjss-178	316	10	,	,	PUNCT
esutjss-178	316	11	t.	t.	PROPN
esutjss-178	316	12	(	(	PUNCT
esutjss-178	316	13	2016	2016	NUM
esutjss-178	316	14	)	)	PUNCT
esutjss-178	316	15	.	.	PUNCT
esutjss-178	317	1	understanding	understand	VERB
esutjss-178	317	2	digital	digital	ADJ
esutjss-178	317	3	transformation	transformation	NOUN
esutjss-178	317	4	strategy	strategy	NOUN
esutjss-178	317	5	formation	formation	NOUN
esutjss-178	317	6	:	:	PUNCT
esutjss-178	317	7	insights	insight	NOUN
esutjss-178	317	8	from	from	ADP
esutjss-178	317	9	europe	europe	PROPN
esutjss-178	317	10	's	's	PART
esutjss-178	317	11	automobile	automobile	NOUN
esutjss-178	317	12	industry	industry	NOUN
esutjss-178	317	13	.	.	PUNCT
esutjss-178	318	1	journal	journal	NOUN
esutjss-178	318	2	of	of	ADP
esutjss-178	318	3	strategic	strategic	ADJ
esutjss-178	318	4	information	information	NOUN
esutjss-178	318	5	systems	system	NOUN
esutjss-178	318	6	,	,	PUNCT
esutjss-178	318	7	25(4	25(4	NOUN
esutjss-178	318	8	)	)	PUNCT
esutjss-178	318	9	,	,	PUNCT
esutjss-178	318	10	286	286	NUM
esutjss-178	318	11	-	-	SYM
esutjss-178	318	12	302	302	NUM
esutjss-178	318	13	.	.	PUNCT
esutjss-178	319	1	deloitte	deloitte	PROPN
esutjss-178	319	2	.	.	PUNCT
esutjss-178	320	1	(	(	PUNCT
esutjss-178	320	2	2019	2019	NUM
esutjss-178	320	3	)	)	PUNCT
esutjss-178	320	4	.	.	PUNCT
esutjss-178	321	1	digital	digital	ADJ
esutjss-178	321	2	transformation	transformation	NOUN
esutjss-178	321	3	:	:	PUNCT
esutjss-178	321	4	shaping	shape	VERB
esutjss-178	321	5	the	the	DET
esutjss-178	321	6	future	future	NOUN
esutjss-178	321	7	of	of	ADP
esutjss-178	321	8	european	european	ADJ
esutjss-178	321	9	insurance	insurance	NOUN
esutjss-178	321	10	.	.	PUNCT
esutjss-178	322	1	retrieved	retrieve	VERB
esutjss-178	322	2	from	from	ADP
esutjss-178	322	3	https://www2.deloitte.com/	https://www2.deloitte.com/	PROPN
esutjss-178	322	4	deloitte	deloitte	NOUN
esutjss-178	322	5	.	.	PUNCT
esutjss-178	323	1	(	(	PUNCT
esutjss-178	323	2	2020	2020	NUM
esutjss-178	323	3	)	)	PUNCT
esutjss-178	323	4	.	.	PUNCT
esutjss-178	324	1	digital	digital	ADJ
esutjss-178	324	2	transformation	transformation	NOUN
esutjss-178	324	3	in	in	ADP
esutjss-178	324	4	the	the	DET
esutjss-178	324	5	nigerian	nigerian	ADJ
esutjss-178	324	6	insurance	insurance	NOUN
esutjss-178	324	7	industry	industry	NOUN
esutjss-178	324	8	.	.	PUNCT
esutjss-178	325	1	retrieved	retrieve	VERB
esutjss-178	325	2	from	from	ADP
esutjss-178	325	3	https://www2.deloitte.com/ng/en.html	https://www2.deloitte.com/ng/en.html	PROPN
esutjss-178	325	4	dhillon	dhillon	PROPN
esutjss-178	325	5	,	,	PUNCT
esutjss-178	325	6	g.	g.	PROPN
esutjss-178	325	7	,	,	PUNCT
esutjss-178	325	8	&	&	CCONJ
esutjss-178	325	9	moores	moores	PROPN
esutjss-178	325	10	,	,	PUNCT
esutjss-178	325	11	s.	s.	PROPN
esutjss-178	325	12	(	(	PUNCT
esutjss-178	325	13	2020	2020	NUM
esutjss-178	325	14	)	)	PUNCT
esutjss-178	325	15	.	.	PUNCT
esutjss-178	326	1	cybersecurity	cybersecurity	NOUN
esutjss-178	326	2	management	management	NOUN
esutjss-178	326	3	:	:	PUNCT
esutjss-178	326	4	an	an	DET
esutjss-178	326	5	integrated	integrated	ADJ
esutjss-178	326	6	approach	approach	NOUN
esutjss-178	326	7	.	.	PUNCT
esutjss-178	327	1	journal	journal	NOUN
esutjss-178	327	2	of	of	ADP
esutjss-178	327	3	business	business	NOUN
esutjss-178	327	4	research	research	NOUN
esutjss-178	327	5	,	,	PUNCT
esutjss-178	327	6	117	117	NUM
esutjss-178	327	7	,	,	PUNCT
esutjss-178	327	8	211	211	NUM
esutjss-178	327	9	-	-	SYM
esutjss-178	327	10	220	220	NUM
esutjss-178	327	11	.	.	PUNCT
esutjss-178	328	1	eling	eling	PROPN
esutjss-178	328	2	,	,	PUNCT
esutjss-178	328	3	m.	m.	NOUN
esutjss-178	328	4	,	,	PUNCT
esutjss-178	328	5	&	&	CCONJ
esutjss-178	328	6	lehmann	lehmann	PROPN
esutjss-178	328	7	,	,	PUNCT
esutjss-178	328	8	m.	m.	NOUN
esutjss-178	328	9	(	(	PUNCT
esutjss-178	328	10	2018	2018	NUM
esutjss-178	328	11	)	)	PUNCT
esutjss-178	328	12	.	.	PUNCT
esutjss-178	329	1	the	the	DET
esutjss-178	329	2	impact	impact	NOUN
esutjss-178	329	3	of	of	ADP
esutjss-178	329	4	digitalization	digitalization	NOUN
esutjss-178	329	5	on	on	ADP
esutjss-178	329	6	the	the	DET
esutjss-178	329	7	insurance	insurance	NOUN
esutjss-178	329	8	value	value	NOUN
esutjss-178	329	9	chain	chain	NOUN
esutjss-178	329	10	and	and	CCONJ
esutjss-178	329	11	the	the	DET
esutjss-178	329	12	insurability	insurability	NOUN
esutjss-178	329	13	of	of	ADP
esutjss-178	329	14	risks	risk	NOUN
esutjss-178	329	15	.	.	PUNCT
esutjss-178	330	1	the	the	DET
esutjss-178	330	2	geneva	geneva	PROPN
esutjss-178	330	3	papers	paper	NOUN
esutjss-178	330	4	on	on	ADP
esutjss-178	330	5	risk	risk	NOUN
esutjss-178	330	6	and	and	CCONJ
esutjss-178	330	7	insurance	insurance	NOUN
esutjss-178	330	8	-	-	PUNCT
esutjss-178	330	9	issues	issue	NOUN
esutjss-178	330	10	and	and	CCONJ
esutjss-178	330	11	practice	practice	NOUN
esutjss-178	330	12	,	,	PUNCT
esutjss-178	330	13	43(3	43(3	NUM
esutjss-178	330	14	)	)	PUNCT
esutjss-178	330	15	,	,	PUNCT
esutjss-178	330	16	359	359	NUM
esutjss-178	330	17	-	-	SYM
esutjss-178	330	18	396	396	NUM
esutjss-178	330	19	.	.	PUNCT
esutjss-178	331	1	few	few	ADJ
esutjss-178	331	2	,	,	PUNCT
esutjss-178	331	3	s.	s.	PROPN
esutjss-178	331	4	(	(	PUNCT
esutjss-178	331	5	2020	2020	NUM
esutjss-178	331	6	)	)	PUNCT
esutjss-178	331	7	.	.	PUNCT
esutjss-178	332	1	data	datum	NOUN
esutjss-178	332	2	visualization	visualization	NOUN
esutjss-178	332	3	for	for	ADP
esutjss-178	332	4	human	human	ADJ
esutjss-178	332	5	perception	perception	NOUN
esutjss-178	332	6	.	.	PUNCT
esutjss-178	333	1	in	in	ADP
esutjss-178	333	2	interaction	interaction	NOUN
esutjss-178	333	3	design	design	NOUN
esutjss-178	333	4	foundation	foundation	PROPN
esutjss-178	333	5	.	.	PUNCT
esutjss-178	334	1	retrieved	retrieve	VERB
esutjss-178	334	2	from	from	ADP
esutjss-178	334	3	https://www.interaction-design.org/literature/article/data-visualizationfor-human-perception	https://www.interaction-design.org/literature/article/data-visualizationfor-human-perception	PROPN
esutjss-178	334	4	ganiyu	ganiyu	NOUN
esutjss-178	334	5	,	,	PUNCT
esutjss-178	334	6	k.	k.	PROPN
esutjss-178	334	7	,	,	PUNCT
esutjss-178	334	8	aina	aina	PROPN
esutjss-178	334	9	,	,	PUNCT
esutjss-178	334	10	j.	j.	PROPN
esutjss-178	334	11	,	,	PUNCT
esutjss-178	334	12	&	&	CCONJ
esutjss-178	334	13	oloriegbe	oloriegbe	PROPN
esutjss-178	334	14	,	,	PUNCT
esutjss-178	334	15	k.	k.	PROPN
esutjss-178	334	16	s.	s.	PROPN
esutjss-178	334	17	(	(	PUNCT
esutjss-178	334	18	2023	2023	NUM
esutjss-178	334	19	)	)	PUNCT
esutjss-178	334	20	.	.	PUNCT
esutjss-178	335	1	new	new	ADJ
esutjss-178	335	2	generation	generation	NOUN
esutjss-178	335	3	technology	technology	NOUN
esutjss-178	335	4	and	and	CCONJ
esutjss-178	335	5	digital	digital	ADJ
esutjss-178	335	6	accounting	accounting	NOUN
esutjss-178	335	7	tools	tool	NOUN
esutjss-178	335	8	as	as	ADP
esutjss-178	335	9	a	a	DET
esutjss-178	335	10	digital	digital	ADJ
esutjss-178	335	11	transformation	transformation	NOUN
esutjss-178	335	12	strategy	strategy	NOUN
esutjss-178	335	13	for	for	ADP
esutjss-178	335	14	nigerian	nigerian	ADJ
esutjss-178	335	15	insurance	insurance	NOUN
esutjss-178	335	16	81	81	NUM
esutjss-178	335	17	companies	company	NOUN
esutjss-178	335	18	'	'	PART
esutjss-178	335	19	organizational	organizational	ADJ
esutjss-178	335	20	sustainability	sustainability	NOUN
esutjss-178	335	21	.	.	PUNCT
esutjss-178	336	1	esut	esut	PROPN
esutjss-178	336	2	journal	journal	PROPN
esutjss-178	336	3	of	of	ADP
esutjss-178	336	4	social	social	ADJ
esutjss-178	336	5	sciences	science	NOUN
esutjss-178	336	6	,	,	PUNCT
esutjss-178	336	7	8(1	8(1	NOUN
esutjss-178	336	8	)	)	PUNCT
esutjss-178	336	9	.	.	PUNCT
esutjss-178	337	1	hbr	hbr	PROPN
esutjss-178	337	2	analytic	analytic	PROPN
esutjss-178	337	3	services	service	NOUN
esutjss-178	337	4	.	.	PUNCT
esutjss-178	338	1	(	(	PUNCT
esutjss-178	338	2	2021	2021	NUM
esutjss-178	338	3	)	)	PUNCT
esutjss-178	338	4	.	.	PUNCT
esutjss-178	339	1	a	a	DET
esutjss-178	339	2	new	new	ADJ
esutjss-178	339	3	playbook	playbook	NOUN
esutjss-178	339	4	for	for	ADP
esutjss-178	339	5	digital	digital	ADJ
esutjss-178	339	6	transformation	transformation	NOUN
esutjss-178	339	7	.	.	PUNCT
esutjss-178	340	1	harvard	harvard	PROPN
esutjss-178	340	2	business	business	PROPN
esutjss-178	340	3	review	review	VERB
esutjss-178	340	4	analytic	analytic	ADJ
esutjss-178	340	5	services	service	NOUN
esutjss-178	340	6	report	report	NOUN
esutjss-178	340	7	.	.	PUNCT
esutjss-178	341	1	retrieved	retrieve	VERB
esutjss-178	341	2	from	from	ADP
esutjss-178	341	3	https://hbr.org/hbr-analytic-services	https://hbr.org/hbr-analytic-service	NOUN
esutjss-178	341	4	hess	hess	PROPN
esutjss-178	341	5	,	,	PUNCT
esutjss-178	341	6	t.	t.	PROPN
esutjss-178	341	7	,	,	PUNCT
esutjss-178	341	8	matt	matt	PROPN
esutjss-178	341	9	,	,	PUNCT
esutjss-178	341	10	c.	c.	PROPN
esutjss-178	341	11	,	,	PUNCT
esutjss-178	341	12	benlian	benlian	PROPN
esutjss-178	341	13	,	,	PUNCT
esutjss-178	341	14	a.	a.	PROPN
esutjss-178	341	15	,	,	PUNCT
esutjss-178	341	16	&	&	CCONJ
esutjss-178	341	17	wiesböck	wiesböck	PROPN
esutjss-178	341	18	,	,	PUNCT
esutjss-178	341	19	f.	f.	PROPN
esutjss-178	341	20	(	(	PUNCT
esutjss-178	341	21	2016	2016	NUM
esutjss-178	341	22	)	)	PUNCT
esutjss-178	341	23	.	.	PUNCT
esutjss-178	342	1	options	option	NOUN
esutjss-178	342	2	for	for	ADP
esutjss-178	342	3	formulating	formulate	VERB
esutjss-178	342	4	a	a	DET
esutjss-178	342	5	digital	digital	ADJ
esutjss-178	342	6	transformation	transformation	NOUN
esutjss-178	342	7	strategy	strategy	NOUN
esutjss-178	342	8	.	.	PUNCT
esutjss-178	343	1	mis	mis	PROPN
esutjss-178	343	2	quarterly	quarterly	PROPN
esutjss-178	343	3	executive	executive	NOUN
esutjss-178	343	4	,	,	PUNCT
esutjss-178	343	5	15(2	15(2	NUM
esutjss-178	343	6	)	)	PUNCT
esutjss-178	343	7	.	.	PUNCT
esutjss-178	344	1	hoffmann	hoffmann	PROPN
esutjss-178	344	2	,	,	PUNCT
esutjss-178	344	3	a.o	a.o	PROPN
esutjss-178	344	4	.	.	PROPN
esutjss-178	344	5	,	,	PUNCT
esutjss-178	344	6	illy	illy	ADV
esutjss-178	344	7	,	,	PUNCT
esutjss-178	344	8	a.	a.	PROPN
esutjss-178	344	9	,	,	PUNCT
esutjss-178	344	10	hornung	hornung	PROPN
esutjss-178	344	11	,	,	PUNCT
esutjss-178	344	12	d.	d.	PROPN
esutjss-178	344	13	,	,	PUNCT
esutjss-178	344	14	rouvet	rouvet	NOUN
esutjss-178	344	15	,	,	PUNCT
esutjss-178	344	16	m.	m.	NOUN
esutjss-178	344	17	,	,	PUNCT
esutjss-178	344	18	satzger	satzger	NOUN
esutjss-178	344	19	,	,	PUNCT
esutjss-178	344	20	c.	c.	PROPN
esutjss-178	344	21	&	&	CCONJ
esutjss-178	344	22	schuhbaeck	schuhbaeck	PROPN
esutjss-178	344	23	,	,	PUNCT
esutjss-178	344	24	j.	j.	PROPN
esutjss-178	344	25	(	(	PUNCT
esutjss-178	344	26	2020	2020	NUM
esutjss-178	344	27	)	)	PUNCT
esutjss-178	344	28	.	.	PUNCT
esutjss-178	345	1	forces	force	NOUN
esutjss-178	345	2	of	of	ADP
esutjss-178	345	3	change	change	NOUN
esutjss-178	345	4	:	:	PUNCT
esutjss-178	345	5	the	the	DET
esutjss-178	345	6	future	future	NOUN
esutjss-178	345	7	of	of	ADP
esutjss-178	345	8	work	work	NOUN
esutjss-178	345	9	in	in	ADP
esutjss-178	345	10	insurance	insurance	NOUN
esutjss-178	345	11	.	.	PUNCT
esutjss-178	346	1	the	the	DET
esutjss-178	346	2	geneva	geneva	PROPN
esutjss-178	346	3	association	association	PROPN
esutjss-178	346	4	and	and	CCONJ
esutjss-178	346	5	capgemini	capgemini	ADJ
esutjss-178	346	6	invent	invent	NOUN
esutjss-178	346	7	.	.	PUNCT
esutjss-178	347	1	johnson	johnson	PROPN
esutjss-178	347	2	,	,	PUNCT
esutjss-178	347	3	m.	m.	NOUN
esutjss-178	347	4	,	,	PUNCT
esutjss-178	347	5	o'hara	o'hara	PROPN
esutjss-178	347	6	,	,	PUNCT
esutjss-178	347	7	r.	r.	PROPN
esutjss-178	347	8	,	,	PUNCT
esutjss-178	347	9	sellen	sellen	PROPN
esutjss-178	347	10	,	,	PUNCT
esutjss-178	347	11	a.	a.	NOUN
esutjss-178	347	12	,	,	PUNCT
esutjss-178	347	13	coussens	coussens	PROPN
esutjss-178	347	14	,	,	PUNCT
esutjss-178	347	15	c.	c.	PROPN
esutjss-178	347	16	&	&	CCONJ
esutjss-178	347	17	criminisi	criminisi	PROPN
esutjss-178	347	18	,	,	PUNCT
esutjss-178	347	19	a.	a.	NOUN
esutjss-178	347	20	(	(	PUNCT
esutjss-178	347	21	2021	2021	NUM
esutjss-178	347	22	)	)	PUNCT
esutjss-178	347	23	.	.	PUNCT
esutjss-178	348	1	the	the	DET
esutjss-178	348	2	challenges	challenge	NOUN
esutjss-178	348	3	of	of	ADP
esutjss-178	348	4	implementing	implement	VERB
esutjss-178	348	5	ethical	ethical	ADJ
esutjss-178	348	6	ai	ai	NOUN
esutjss-178	348	7	.	.	PUNCT
esutjss-178	348	8	xrds	xrds	PROPN
esutjss-178	348	9	:	:	PUNCT
esutjss-178	349	1	crossroads	crossroad	NOUN
esutjss-178	349	2	,	,	PUNCT
esutjss-178	349	3	the	the	DET
esutjss-178	349	4	acm	acm	PROPN
esutjss-178	349	5	magazine	magazine	NOUN
esutjss-178	349	6	for	for	ADP
esutjss-178	349	7	students	student	NOUN
esutjss-178	349	8	,	,	PUNCT
esutjss-178	349	9	27(3	27(3	NUM
esutjss-178	349	10	)	)	PUNCT
esutjss-178	349	11	,	,	PUNCT
esutjss-178	349	12	50	50	NUM
esutjss-178	349	13	-	-	SYM
esutjss-178	349	14	55	55	NUM
esutjss-178	349	15	.	.	PUNCT
esutjss-178	350	1	kane	kane	PROPN
esutjss-178	350	2	,	,	PUNCT
esutjss-178	350	3	g.	g.	PROPN
esutjss-178	350	4	c.	c.	PROPN
esutjss-178	350	5	,	,	PUNCT
esutjss-178	350	6	palmer	palmer	PROPN
esutjss-178	350	7	,	,	PUNCT
esutjss-178	350	8	d.	d.	PROPN
esutjss-178	350	9	,	,	PUNCT
esutjss-178	350	10	phillips	phillips	PROPN
esutjss-178	350	11	,	,	PUNCT
esutjss-178	350	12	a.	a.	PROPN
esutjss-178	350	13	n.	n.	PROPN
esutjss-178	350	14	,	,	PUNCT
esutjss-178	350	15	kiron	kiron	PROPN
esutjss-178	350	16	,	,	PUNCT
esutjss-178	350	17	d.	d.	PROPN
esutjss-178	350	18	,	,	PUNCT
esutjss-178	350	19	&	&	CCONJ
esutjss-178	350	20	buckley	buckley	PROPN
esutjss-178	350	21	,	,	PUNCT
esutjss-178	350	22	n.	n.	NOUN
esutjss-178	350	23	(	(	PUNCT
esutjss-178	350	24	2021	2021	NUM
esutjss-178	350	25	)	)	PUNCT
esutjss-178	350	26	.	.	PUNCT
esutjss-178	351	1	coming	come	VERB
esutjss-178	351	2	of	of	ADP
esutjss-178	351	3	age	age	NOUN
esutjss-178	351	4	digitally	digitally	ADV
esutjss-178	351	5	.	.	PUNCT
esutjss-178	352	1	mit	mit	PROPN
esutjss-178	352	2	sloan	sloan	PROPN
esutjss-178	352	3	management	management	PROPN
esutjss-178	352	4	review	review	PROPN
esutjss-178	352	5	and	and	CCONJ
esutjss-178	352	6	deloitte	deloitte	PROPN
esutjss-178	352	7	insights	insight	NOUN
esutjss-178	352	8	report	report	NOUN
esutjss-178	352	9	.	.	PUNCT
esutjss-178	353	1	retrieved	retrieve	VERB
esutjss-178	353	2	from	from	ADP
esutjss-178	353	3	https://sloanreview.mit.edu/report/coming-of-age-digitally-learning-building-andleading-in-the-digital-era/	https://sloanreview.mit.edu/report/coming-of-age-digitally-learning-building-andleading-in-the-digital-era/	PROPN
esutjss-178	353	4	li	li	PROPN
esutjss-178	353	5	,	,	PUNCT
esutjss-178	353	6	l.	l.	PROPN
esutjss-178	353	7	,	,	PUNCT
esutjss-178	353	8	su	su	PROPN
esutjss-178	353	9	,	,	PUNCT
esutjss-178	353	10	f.	f.	PROPN
esutjss-178	353	11	,	,	PUNCT
esutjss-178	353	12	zhang	zhang	PROPN
esutjss-178	353	13	,	,	PUNCT
esutjss-178	353	14	w.	w.	PROPN
esutjss-178	353	15	,	,	PUNCT
esutjss-178	353	16	&	&	CCONJ
esutjss-178	353	17	mao	mao	PROPN
esutjss-178	353	18	,	,	PUNCT
esutjss-178	353	19	j.	j.	PROPN
esutjss-178	353	20	y.	y.	PROPN
esutjss-178	353	21	(	(	PUNCT
esutjss-178	353	22	2020	2020	NUM
esutjss-178	353	23	)	)	PUNCT
esutjss-178	353	24	.	.	PUNCT
esutjss-178	354	1	digital	digital	ADJ
esutjss-178	354	2	transformation	transformation	NOUN
esutjss-178	354	3	by	by	ADP
esutjss-178	354	4	sme	sme	NOUN
esutjss-178	354	5	entrepreneurs	entrepreneur	NOUN
esutjss-178	354	6	:	:	PUNCT
esutjss-178	354	7	a	a	DET
esutjss-178	354	8	capability	capability	NOUN
esutjss-178	354	9	perspective	perspective	NOUN
esutjss-178	354	10	.	.	PUNCT
esutjss-178	355	1	information	information	NOUN
esutjss-178	355	2	systems	system	NOUN
esutjss-178	355	3	journal	journal	PROPN
esutjss-178	355	4	,	,	PUNCT
esutjss-178	355	5	28(6	28(6	NUM
esutjss-178	355	6	)	)	PUNCT
esutjss-178	355	7	,	,	PUNCT
esutjss-178	355	8	1129	1129	NUM
esutjss-178	355	9	-	-	SYM
esutjss-178	355	10	1157	1157	NUM
esutjss-178	355	11	.	.	PUNCT
esutjss-178	356	1	marston	marston	PROPN
esutjss-178	356	2	,	,	PUNCT
esutjss-178	356	3	s.	s.	PROPN
esutjss-178	356	4	,	,	PUNCT
esutjss-178	356	5	li	li	PROPN
esutjss-178	356	6	,	,	PUNCT
esutjss-178	356	7	z.	z.	PROPN
esutjss-178	356	8	,	,	PUNCT
esutjss-178	356	9	bandyopadhyay	bandyopadhyay	NOUN
esutjss-178	356	10	,	,	PUNCT
esutjss-178	356	11	s.	s.	PROPN
esutjss-178	356	12	,	,	PUNCT
esutjss-178	356	13	zhang	zhang	PROPN
esutjss-178	356	14	,	,	PUNCT
esutjss-178	356	15	j.	j.	PROPN
esutjss-178	356	16	,	,	PUNCT
esutjss-178	356	17	&	&	CCONJ
esutjss-178	356	18	ghalsasi	ghalsasi	PROPN
esutjss-178	356	19	,	,	PUNCT
esutjss-178	356	20	a.	a.	NOUN
esutjss-178	356	21	(	(	PUNCT
esutjss-178	356	22	2020	2020	NUM
esutjss-178	356	23	)	)	PUNCT
esutjss-178	356	24	.	.	PUNCT
esutjss-178	357	1	cloud	cloud	PROPN
esutjss-178	357	2	computing	computing	PROPN
esutjss-178	357	3	:	:	PUNCT
esutjss-178	357	4	the	the	DET
esutjss-178	357	5	business	business	NOUN
esutjss-178	357	6	perspective	perspective	NOUN
esutjss-178	357	7	.	.	PUNCT
esutjss-178	358	1	in	in	ADP
esutjss-178	358	2	cloud	cloud	NOUN
esutjss-178	358	3	computing	computing	NOUN
esutjss-178	358	4	(	(	PUNCT
esutjss-178	358	5	pp	pp	ADJ
esutjss-178	358	6	.	.	PUNCT
esutjss-178	359	1	51	51	NUM
esutjss-178	359	2	-	-	SYM
esutjss-178	359	3	76	76	NUM
esutjss-178	359	4	)	)	PUNCT
esutjss-178	359	5	.	.	PUNCT
esutjss-178	360	1	springer	springer	NOUN
esutjss-178	360	2	,	,	PUNCT
esutjss-178	360	3	cham	cham	PROPN
esutjss-178	360	4	.	.	PUNCT
esutjss-178	361	1	mckinsey	mckinsey	PROPN
esutjss-178	361	2	&	&	CCONJ
esutjss-178	361	3	company	company	PROPN
esutjss-178	361	4	.	.	PUNCT
esutjss-178	362	1	(	(	PUNCT
esutjss-178	362	2	2021	2021	NUM
esutjss-178	362	3	)	)	PUNCT
esutjss-178	362	4	.	.	PUNCT
esutjss-178	363	1	insurance	insurance	NOUN
esutjss-178	363	2	beyond	beyond	ADP
esutjss-178	363	3	digital	digital	NOUN
esutjss-178	363	4	:	:	PUNCT
esutjss-178	363	5	the	the	DET
esutjss-178	363	6	rise	rise	NOUN
esutjss-178	363	7	of	of	ADP
esutjss-178	363	8	ecosystems	ecosystem	NOUN
esutjss-178	363	9	and	and	CCONJ
esutjss-178	363	10	platforms	platform	NOUN
esutjss-178	363	11	.	.	PUNCT
esutjss-178	364	1	retrieved	retrieve	VERB
esutjss-178	364	2	from	from	ADP
esutjss-178	364	3	https://www.mckinsey.com/industries/financialservices/our-insights/insurance-beyond-digital-the-rise-of-ecosystems-and-platforms	https://www.mckinsey.com/industries/financialservices/our-insights/insurance-beyond-digital-the-rise-of-ecosystems-and-platform	NOUN
esutjss-178	364	4	mitchell	mitchell	PROPN
esutjss-178	364	5	,	,	PUNCT
esutjss-178	364	6	t.	t.	PROPN
esutjss-178	364	7	(	(	PUNCT
esutjss-178	364	8	2020	2020	NUM
esutjss-178	364	9	)	)	PUNCT
esutjss-178	364	10	.	.	PUNCT
esutjss-178	365	1	machine	machine	NOUN
esutjss-178	365	2	learning	learning	PROPN
esutjss-178	365	3	.	.	PUNCT
esutjss-178	366	1	mcgraw	mcgraw	PROPN
esutjss-178	366	2	hill	hill	PROPN
esutjss-178	366	3	.	.	PUNCT
esutjss-178	367	1	nigerian	nigerian	PROPN
esutjss-178	367	2	insurers	insurers	PROPN
esutjss-178	367	3	association	association	PROPN
esutjss-178	367	4	(	(	PUNCT
esutjss-178	367	5	2020	2020	NUM
esutjss-178	367	6	)	)	PUNCT
esutjss-178	367	7	.	.	PUNCT
esutjss-178	368	1	industry	industry	NOUN
esutjss-178	368	2	report	report	NOUN
esutjss-178	368	3	2020	2020	NUM
esutjss-178	368	4	:	:	PUNCT
esutjss-178	368	5	the	the	DET
esutjss-178	368	6	digital	digital	ADJ
esutjss-178	368	7	age	age	NOUN
esutjss-178	368	8	imperatives	imperative	VERB
esutjss-178	368	9	for	for	ADP
esutjss-178	368	10	the	the	DET
esutjss-178	368	11	nigerian	nigerian	ADJ
esutjss-178	368	12	insurance	insurance	NOUN
esutjss-178	368	13	industry	industry	NOUN
esutjss-178	368	14	.	.	PUNCT
esutjss-178	369	1	retrieved	retrieve	VERB
esutjss-178	369	2	from	from	ADP
esutjss-178	369	3	https://www.nia.com.ng/	https://www.nia.com.ng/	PROPN
esutjss-178	369	4	norman	norman	PROPN
esutjss-178	369	5	,	,	PUNCT
esutjss-178	369	6	d.	d.	PROPN
esutjss-178	369	7	(	(	PUNCT
esutjss-178	369	8	2020	2020	NUM
esutjss-178	369	9	)	)	PUNCT
esutjss-178	369	10	.	.	PUNCT
esutjss-178	370	1	the	the	DET
esutjss-178	370	2	design	design	NOUN
esutjss-178	370	3	of	of	ADP
esutjss-178	370	4	everyday	everyday	ADJ
esutjss-178	370	5	things	thing	NOUN
esutjss-178	370	6	:	:	PUNCT
esutjss-178	370	7	revised	revise	VERB
esutjss-178	370	8	and	and	CCONJ
esutjss-178	370	9	expanded	expand	VERB
esutjss-178	370	10	edition	edition	NOUN
esutjss-178	370	11	.	.	PUNCT
esutjss-178	371	1	basic	basic	ADJ
esutjss-178	371	2	books	book	NOUN
esutjss-178	371	3	.	.	PUNCT
esutjss-178	372	1	obasi	obasi	PROPN
esutjss-178	372	2	,	,	PUNCT
esutjss-178	372	3	f.	f.	PROPN
esutjss-178	372	4	(	(	PUNCT
esutjss-178	372	5	2021	2021	NUM
esutjss-178	372	6	)	)	PUNCT
esutjss-178	372	7	.	.	PUNCT
esutjss-178	373	1	innovation	innovation	NOUN
esutjss-178	373	2	in	in	ADP
esutjss-178	373	3	the	the	DET
esutjss-178	373	4	nigerian	nigerian	ADJ
esutjss-178	373	5	insurance	insurance	NOUN
esutjss-178	373	6	industry	industry	NOUN
esutjss-178	373	7	:	:	PUNCT
esutjss-178	373	8	challenges	challenge	NOUN
esutjss-178	373	9	and	and	CCONJ
esutjss-178	373	10	policy	policy	NOUN
esutjss-178	373	11	implications	implication	NOUN
esutjss-178	373	12	.	.	PUNCT
esutjss-178	374	1	giz	giz	NOUN
esutjss-178	374	2	report	report	NOUN
esutjss-178	374	3	.	.	PUNCT
esutjss-178	375	1	retrieved	retrieve	VERB
esutjss-178	375	2	from	from	ADP
esutjss-178	375	3	https://www.giz.de/en/	https://www.giz.de/en/	PUNCT
esutjss-178	375	4	okafor	okafor	PROPN
esutjss-178	375	5	,	,	PUNCT
esutjss-178	375	6	e.	e.	PROPN
esutjss-178	375	7	e.	e.	PROPN
esutjss-178	375	8	,	,	PUNCT
esutjss-178	375	9	&	&	CCONJ
esutjss-178	375	10	anene	anene	PROPN
esutjss-178	375	11	,	,	PUNCT
esutjss-178	375	12	e.	e.	PROPN
esutjss-178	375	13	l.	l.	PROPN
esutjss-178	375	14	(	(	PUNCT
esutjss-178	375	15	2020	2020	NUM
esutjss-178	375	16	)	)	PUNCT
esutjss-178	375	17	.	.	PUNCT
esutjss-178	376	1	digital	digital	ADJ
esutjss-178	376	2	technology	technology	NOUN
esutjss-178	376	3	and	and	CCONJ
esutjss-178	376	4	skills	skill	VERB
esutjss-178	376	5	development	development	NOUN
esutjss-178	376	6	in	in	ADP
esutjss-178	376	7	the	the	DET
esutjss-178	376	8	insurance	insurance	NOUN
esutjss-178	376	9	industry	industry	NOUN
esutjss-178	376	10	:	:	PUNCT
esutjss-178	376	11	case	case	NOUN
esutjss-178	376	12	evidence	evidence	NOUN
esutjss-178	376	13	from	from	ADP
esutjss-178	376	14	nigeria	nigeria	PROPN
esutjss-178	376	15	.	.	PUNCT
esutjss-178	377	1	the	the	DET
esutjss-178	377	2	african	african	ADJ
esutjss-178	377	3	journal	journal	PROPN
esutjss-178	377	4	of	of	ADP
esutjss-178	377	5	information	information	NOUN
esutjss-178	377	6	systems	system	NOUN
esutjss-178	377	7	,	,	PUNCT
esutjss-178	377	8	12(3	12(3	NUM
esutjss-178	377	9	)	)	PUNCT
esutjss-178	377	10	,	,	PUNCT
esutjss-178	377	11	167	167	NUM
esutjss-178	377	12	-	-	SYM
esutjss-178	377	13	178	178	NUM
esutjss-178	377	14	.	.	PUNCT
esutjss-178	377	15	okonjo	okonjo	ADJ
esutjss-178	377	16	,	,	PUNCT
esutjss-178	377	17	p.	p.	PROPN
esutjss-178	377	18	c.	c.	PROPN
esutjss-178	377	19	(	(	PUNCT
esutjss-178	377	20	2021	2021	NUM
esutjss-178	377	21	)	)	PUNCT
esutjss-178	377	22	.	.	PUNCT
esutjss-178	378	1	harnessing	harness	VERB
esutjss-178	378	2	insurance	insurance	NOUN
esutjss-178	378	3	digitalization	digitalization	NOUN
esutjss-178	378	4	in	in	ADP
esutjss-178	378	5	nigeria	nigeria	PROPN
esutjss-178	378	6	:	:	PUNCT
esutjss-178	378	7	an	an	DET
esutjss-178	378	8	analysis	analysis	NOUN
esutjss-178	378	9	of	of	ADP
esutjss-178	378	10	workforce	workforce	NOUN
esutjss-178	378	11	technical	technical	ADJ
esutjss-178	378	12	training	training	NOUN
esutjss-178	378	13	needs	need	NOUN
esutjss-178	378	14	.	.	PUNCT
esutjss-178	379	1	sage	sage	VERB
esutjss-178	379	2	open	open	ADJ
esutjss-178	379	3	,	,	PUNCT
esutjss-178	379	4	11(1	11(1	NUM
esutjss-178	379	5	)	)	PUNCT
esutjss-178	379	6	,	,	PUNCT
esutjss-178	379	7	1	1	NUM
esutjss-178	379	8	-	-	SYM
esutjss-178	379	9	14	14	NUM
esutjss-178	379	10	.	.	PUNCT
esutjss-178	380	1	82	82	NUM
esutjss-178	380	2	oseni	oseni	NOUN
esutjss-178	380	3	,	,	PUNCT
esutjss-178	380	4	e.	e.	PROPN
esutjss-178	380	5	,	,	PUNCT
esutjss-178	380	6	corrigan	corrigan	PROPN
esutjss-178	380	7	,	,	PUNCT
esutjss-178	380	8	c.	c.	PROPN
esutjss-178	380	9	,	,	PUNCT
esutjss-178	380	10	falade	falade	NOUN
esutjss-178	380	11	,	,	PUNCT
esutjss-178	380	12	t.	t.	PROPN
esutjss-178	380	13	,	,	PUNCT
esutjss-178	380	14	harris	harris	PROPN
esutjss-178	380	15	,	,	PUNCT
esutjss-178	380	16	d.	d.	PROPN
esutjss-178	380	17	,	,	PUNCT
esutjss-178	380	18	heenan	heenan	PROPN
esutjss-178	380	19	,	,	PUNCT
esutjss-178	380	20	d.	d.	PROPN
esutjss-178	380	21	,	,	PUNCT
esutjss-178	380	22	stenhouse	stenhouse	PROPN
esutjss-178	380	23	,	,	PUNCT
esutjss-178	380	24	j.	j.	PROPN
esutjss-178	380	25	,	,	PUNCT
esutjss-178	380	26	&	&	CCONJ
esutjss-178	380	27	temitope	temitope	PROPN
esutjss-178	380	28	,	,	PUNCT
esutjss-178	380	29	d.	d.	PROPN
esutjss-178	380	30	(	(	PUNCT
esutjss-178	380	31	2020	2020	NUM
esutjss-178	380	32	)	)	PUNCT
esutjss-178	380	33	.	.	PUNCT
esutjss-178	381	1	foresight	foresight	PROPN
esutjss-178	381	2	africa	africa	PROPN
esutjss-178	381	3	:	:	PUNCT
esutjss-178	381	4	top	top	ADJ
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esutjss-178	381	6	for	for	ADP
esutjss-178	381	7	the	the	DET
esutjss-178	381	8	continent	continent	NOUN
esutjss-178	381	9	2020	2020	NUM
esutjss-178	381	10	-	-	SYM
esutjss-178	381	11	2030	2030	NUM
esutjss-178	381	12	.	.	PUNCT
esutjss-178	382	1	brookings	brookings	PROPN
esutjss-178	382	2	africa	africa	PROPN
esutjss-178	382	3	growth	growth	PROPN
esutjss-178	382	4	initiative	initiative	NOUN
esutjss-178	382	5	report	report	NOUN
esutjss-178	382	6	.	.	PUNCT
esutjss-178	383	1	retrieved	retrieve	VERB
esutjss-178	383	2	from	from	ADP
esutjss-178	383	3	https://www.brookings.edu/multi-chapterreport/foresight-africa-top-priorities-for-the-continent-in-2020/	https://www.brookings.edu/multi-chapterreport/foresight-africa-top-priorities-for-the-continent-in-2020/	PROPN
esutjss-178	383	4	oviawe	oviawe	PROPN
esutjss-178	383	5	,	,	PUNCT
esutjss-178	383	6	j.	j.	PROPN
esutjss-178	383	7	i.	i.	PROPN
esutjss-178	383	8	(	(	PUNCT
esutjss-178	383	9	2020	2020	NUM
esutjss-178	383	10	)	)	PUNCT
esutjss-178	383	11	.	.	PUNCT
esutjss-178	384	1	knowledge	knowledge	NOUN
esutjss-178	384	2	management	management	NOUN
esutjss-178	384	3	and	and	CCONJ
esutjss-178	384	4	digital	digital	ADJ
esutjss-178	384	5	disruption	disruption	NOUN
esutjss-178	384	6	in	in	ADP
esutjss-178	384	7	the	the	DET
esutjss-178	384	8	nigerian	nigerian	ADJ
esutjss-178	384	9	insurance	insurance	NOUN
esutjss-178	384	10	sector	sector	NOUN
esutjss-178	384	11	:	:	PUNCT
esutjss-178	384	12	an	an	DET
esutjss-178	384	13	integrated	integrate	VERB
esutjss-178	384	14	framework	framework	NOUN
esutjss-178	384	15	.	.	PUNCT
esutjss-178	385	1	digital	digital	ADJ
esutjss-178	385	2	policy	policy	NOUN
esutjss-178	385	3	,	,	PUNCT
esutjss-178	385	4	regulation	regulation	NOUN
esutjss-178	385	5	and	and	CCONJ
esutjss-178	385	6	governance	governance	NOUN
esutjss-178	385	7	,	,	PUNCT
esutjss-178	385	8	22(1	22(1	NUM
esutjss-178	385	9	)	)	PUNCT
esutjss-178	385	10	,	,	PUNCT
esutjss-178	385	11	70	70	NUM
esutjss-178	385	12	-	-	SYM
esutjss-178	385	13	91	91	NUM
esutjss-178	385	14	.	.	PUNCT
esutjss-178	386	1	payne	payne	PROPN
esutjss-178	386	2	,	,	PUNCT
esutjss-178	386	3	a.	a.	PROPN
esutjss-178	386	4	,	,	PUNCT
esutjss-178	386	5	&	&	CCONJ
esutjss-178	386	6	frow	frow	PROPN
esutjss-178	386	7	,	,	PUNCT
esutjss-178	386	8	p.	p.	NOUN
esutjss-178	386	9	(	(	PUNCT
esutjss-178	386	10	2020	2020	NUM
esutjss-178	386	11	)	)	PUNCT
esutjss-178	386	12	.	.	PUNCT
esutjss-178	387	1	relationship	relationship	NOUN
esutjss-178	387	2	marketing	marketing	NOUN
esutjss-178	387	3	:	:	PUNCT
esutjss-178	387	4	looking	look	VERB
esutjss-178	387	5	back	back	ADV
esutjss-178	387	6	,	,	PUNCT
esutjss-178	387	7	looking	look	VERB
esutjss-178	387	8	forward	forward	ADV
esutjss-178	387	9	.	.	PUNCT
esutjss-178	388	1	journal	journal	PROPN
esutjss-178	388	2	of	of	ADP
esutjss-178	388	3	services	service	NOUN
esutjss-178	388	4	marketing	marketing	NOUN
esutjss-178	388	5	.	.	PUNCT
esutjss-178	389	1	pwc	pwc	PROPN
esutjss-178	389	2	(	(	PUNCT
esutjss-178	389	3	2021	2021	NUM
esutjss-178	389	4	)	)	PUNCT
esutjss-178	389	5	.	.	PUNCT
esutjss-178	390	1	nigeria	nigeria	PROPN
esutjss-178	390	2	's	's	PART
esutjss-178	390	3	insurance	insurance	NOUN
esutjss-178	390	4	industry	industry	NOUN
esutjss-178	390	5	:	:	PUNCT
esutjss-178	390	6	analysis	analysis	NOUN
esutjss-178	390	7	of	of	ADP
esutjss-178	390	8	talent	talent	NOUN
esutjss-178	390	9	landscape	landscape	NOUN
esutjss-178	390	10	.	.	PUNCT
esutjss-178	391	1	retrieved	retrieve	VERB
esutjss-178	391	2	from	from	ADP
esutjss-178	391	3	https://www.pwc.com/ng/en.html	https://www.pwc.com/ng/en.html	PROPN
esutjss-178	391	4	rao	rao	PROPN
esutjss-178	391	5	,	,	PUNCT
esutjss-178	391	6	m.	m.	NOUN
esutjss-178	391	7	(	(	PUNCT
esutjss-178	391	8	2017	2017	NUM
esutjss-178	391	9	)	)	PUNCT
esutjss-178	391	10	.	.	PUNCT
esutjss-178	392	1	insurers	insurer	NOUN
esutjss-178	392	2	adapting	adapt	VERB
esutjss-178	392	3	workforce	workforce	NOUN
esutjss-178	392	4	to	to	ADP
esutjss-178	392	5	digital	digital	ADJ
esutjss-178	392	6	demands	demand	NOUN
esutjss-178	392	7	.	.	PUNCT
esutjss-178	393	1	retrieved	retrieve	VERB
esutjss-178	393	2	from	from	ADP
esutjss-178	393	3	https://www.insurancejournal.com/news/international/2017/01/05/437452.htm	https://www.insurancejournal.com/news/international/2017/01/05/437452.htm	PROPN
esutjss-178	393	4	rogers	roger	NOUN
esutjss-178	393	5	,	,	PUNCT
esutjss-178	393	6	d.	d.	PROPN
esutjss-178	393	7	l.	l.	PROPN
esutjss-178	393	8	(	(	PUNCT
esutjss-178	393	9	2016	2016	NUM
esutjss-178	393	10	)	)	PUNCT
esutjss-178	393	11	.	.	PUNCT
esutjss-178	394	1	the	the	DET
esutjss-178	394	2	digital	digital	ADJ
esutjss-178	394	3	transformation	transformation	NOUN
esutjss-178	394	4	playbook	playbook	NOUN
esutjss-178	394	5	:	:	PUNCT
esutjss-178	394	6	rethink	rethink	VERB
esutjss-178	394	7	your	your	PRON
esutjss-178	394	8	business	business	NOUN
esutjss-178	394	9	for	for	ADP
esutjss-178	394	10	the	the	DET
esutjss-178	394	11	digital	digital	ADJ
esutjss-178	394	12	age	age	NOUN
esutjss-178	394	13	.	.	PUNCT
esutjss-178	395	1	columbia	columbia	PROPN
esutjss-178	395	2	university	university	PROPN
esutjss-178	395	3	press	press	NOUN
esutjss-178	395	4	.	.	PUNCT
esutjss-178	396	1	smith	smith	PROPN
esutjss-178	396	2	,	,	PUNCT
esutjss-178	396	3	t.	t.	PROPN
esutjss-178	396	4	(	(	PUNCT
esutjss-178	396	5	2020	2020	NUM
esutjss-178	396	6	)	)	PUNCT
esutjss-178	396	7	.	.	PUNCT
esutjss-178	397	1	data	datum	NOUN
esutjss-178	397	2	analytics	analytic	NOUN
esutjss-178	397	3	in	in	ADP
esutjss-178	397	4	practice	practice	NOUN
esutjss-178	397	5	:	:	PUNCT
esutjss-178	397	6	collection	collection	NOUN
esutjss-178	397	7	,	,	PUNCT
esutjss-178	397	8	analysis	analysis	NOUN
esutjss-178	397	9	,	,	PUNCT
esutjss-178	397	10	and	and	CCONJ
esutjss-178	397	11	presentation	presentation	NOUN
esutjss-178	397	12	.	.	PUNCT
esutjss-178	398	1	in	in	ADP
esutjss-178	398	2	interaction	interaction	NOUN
esutjss-178	398	3	design	design	NOUN
esutjss-178	398	4	foundation	foundation	PROPN
esutjss-178	398	5	.	.	PUNCT
esutjss-178	399	1	https://www.interactiondesign.org/literature/article/data-analytics-in-practice-collection-analysis-andpresentation	https://www.interactiondesign.org/literature/article/data-analytics-in-practice-collection-analysis-andpresentation	PROPN
esutjss-178	399	2	solis	solis	PROPN
esutjss-178	399	3	,	,	PUNCT
esutjss-178	399	4	b.	b.	PROPN
esutjss-178	399	5	,	,	PUNCT
esutjss-178	399	6	szymanski	szymanski	PROPN
esutjss-178	399	7	,	,	PUNCT
esutjss-178	399	8	j.	j.	PROPN
esutjss-178	399	9	,	,	PUNCT
esutjss-178	399	10	&	&	CCONJ
esutjss-178	399	11	hershkowitz	hershkowitz	PROPN
esutjss-178	399	12	,	,	PUNCT
esutjss-178	399	13	r.	r.	PROPN
esutjss-178	399	14	(	(	PUNCT
esutjss-178	399	15	2015	2015	NUM
esutjss-178	399	16	)	)	PUNCT
esutjss-178	399	17	.	.	PUNCT
esutjss-178	400	1	the	the	DET
esutjss-178	400	2	2015	2015	NUM
esutjss-178	400	3	state	state	NOUN
esutjss-178	400	4	of	of	ADP
esutjss-178	400	5	digital	digital	ADJ
esutjss-178	400	6	transformation	transformation	NOUN
esutjss-178	400	7	.	.	PUNCT
esutjss-178	401	1	altimeter	altimeter	NOUN
esutjss-178	401	2	and	and	CCONJ
esutjss-178	401	3	prophet	prophet	NOUN
esutjss-178	401	4	report	report	NOUN
esutjss-178	401	5	.	.	PUNCT
esutjss-178	402	1	retrieved	retrieve	VERB
esutjss-178	402	2	from	from	ADP
esutjss-178	402	3	https://www.prophet.com/	https://www.prophet.com/	PROPN
esutjss-178	402	4	sutherland	sutherland	PROPN
esutjss-178	402	5	,	,	PUNCT
esutjss-178	402	6	j.	j.	PROPN
esutjss-178	402	7	,	,	PUNCT
esutjss-178	402	8	schoonheim	schoonheim	PROPN
esutjss-178	402	9	,	,	PUNCT
esutjss-178	402	10	g.	g.	PROPN
esutjss-178	402	11	,	,	PUNCT
esutjss-178	402	12	rustenburg	rustenburg	PROPN
esutjss-178	402	13	,	,	PUNCT
esutjss-178	402	14	e.	e.	PROPN
esutjss-178	402	15	,	,	PUNCT
esutjss-178	402	16	&	&	CCONJ
esutjss-178	402	17	rijk	rijk	PROPN
esutjss-178	402	18	,	,	PUNCT
esutjss-178	402	19	m.	m.	NOUN
esutjss-178	402	20	(	(	PUNCT
esutjss-178	402	21	2020	2020	NUM
esutjss-178	402	22	)	)	PUNCT
esutjss-178	402	23	.	.	PUNCT
esutjss-178	403	1	fully	fully	ADV
esutjss-178	403	2	distributed	distribute	VERB
esutjss-178	403	3	scrum	scrum	NOUN
esutjss-178	403	4	:	:	PUNCT
esutjss-178	403	5	the	the	DET
esutjss-178	403	6	secret	secret	ADJ
esutjss-178	403	7	sauce	sauce	NOUN
esutjss-178	403	8	for	for	ADP
esutjss-178	403	9	hyperproductive	hyperproductive	ADJ
esutjss-178	403	10	offshored	offshore	VERB
esutjss-178	403	11	development	development	NOUN
esutjss-178	403	12	teams	team	NOUN
esutjss-178	403	13	.	.	PUNCT
esutjss-178	404	1	apress	apress	PROPN
esutjss-178	404	2	.	.	PUNCT
esutjss-178	405	1	swan	swan	PROPN
esutjss-178	405	2	,	,	PUNCT
esutjss-178	405	3	m.	m.	NOUN
esutjss-178	405	4	(	(	PUNCT
esutjss-178	405	5	2020	2020	NUM
esutjss-178	405	6	)	)	PUNCT
esutjss-178	405	7	.	.	PUNCT
esutjss-178	406	1	blockchain	blockchain	PROPN
esutjss-178	406	2	:	:	PUNCT
esutjss-178	406	3	blueprint	blueprint	NOUN
esutjss-178	406	4	for	for	ADP
esutjss-178	406	5	a	a	DET
esutjss-178	406	6	new	new	ADJ
esutjss-178	406	7	economy	economy	NOUN
esutjss-178	406	8	.	.	PUNCT
esutjss-178	407	1	o'reilly	o'reilly	NOUN
esutjss-178	407	2	media	medium	NOUN
esutjss-178	407	3	.	.	PUNCT
esutjss-178	408	1	tunde	tunde	PROPN
esutjss-178	408	2	,	,	PUNCT
esutjss-178	408	3	e.	e.	PROPN
esutjss-178	408	4	&	&	CCONJ
esutjss-178	408	5	fatokun	fatokun	PROPN
esutjss-178	408	6	,	,	PUNCT
esutjss-178	408	7	s.	s.	PROPN
esutjss-178	408	8	(	(	PUNCT
esutjss-178	408	9	2018	2018	NUM
esutjss-178	408	10	)	)	PUNCT
esutjss-178	408	11	.	.	PUNCT
esutjss-178	409	1	the	the	DET
esutjss-178	409	2	impact	impact	NOUN
esutjss-178	409	3	of	of	ADP
esutjss-178	409	4	artificial	artificial	ADJ
esutjss-178	409	5	intelligence	intelligence	NOUN
esutjss-178	409	6	and	and	CCONJ
esutjss-178	409	7	disruptive	disruptive	ADJ
esutjss-178	409	8	technologies	technology	NOUN
esutjss-178	409	9	on	on	ADP
esutjss-178	409	10	retraining	retrain	VERB
esutjss-178	409	11	and	and	CCONJ
esutjss-178	409	12	repositioning	reposition	VERB
esutjss-178	409	13	the	the	DET
esutjss-178	409	14	nigerian	nigerian	ADJ
esutjss-178	409	15	insurance	insurance	NOUN
esutjss-178	409	16	workforce	workforce	PROPN
esutjss-178	409	17	.	.	PUNCT
esutjss-178	410	1	journal	journal	PROPN
esutjss-178	410	2	of	of	ADP
esutjss-178	410	3	technical	technical	ADJ
esutjss-178	410	4	and	and	CCONJ
esutjss-178	410	5	vocational	vocational	ADJ
esutjss-178	410	6	education	education	NOUN
esutjss-178	410	7	,	,	PUNCT
esutjss-178	410	8	7(2	7(2	NUM
esutjss-178	410	9	)	)	PUNCT
esutjss-178	410	10	,	,	PUNCT
esutjss-178	410	11	6	6	NUM
esutjss-178	410	12	-	-	SYM
esutjss-178	410	13	19	19	NUM
esutjss-178	410	14	.	.	PUNCT
esutjss-178	411	1	usman	usman	PROPN
esutjss-178	411	2	,	,	PUNCT
esutjss-178	411	3	l.	l.	PROPN
esutjss-178	411	4	m.	m.	PROPN
esutjss-178	411	5	(	(	PUNCT
esutjss-178	411	6	2020	2020	NUM
esutjss-178	411	7	)	)	PUNCT
esutjss-178	411	8	.	.	PUNCT
esutjss-178	412	1	digital	digital	ADJ
esutjss-178	412	2	disruption	disruption	NOUN
esutjss-178	412	3	and	and	CCONJ
esutjss-178	412	4	the	the	DET
esutjss-178	412	5	nigerian	nigerian	ADJ
esutjss-178	412	6	insurance	insurance	NOUN
esutjss-178	412	7	sector	sector	NOUN
esutjss-178	412	8	:	:	PUNCT
esutjss-178	412	9	workforce	workforce	NOUN
esutjss-178	412	10	implications	implication	NOUN
esutjss-178	412	11	and	and	CCONJ
esutjss-178	412	12	policy	policy	NOUN
esutjss-178	412	13	responses	response	NOUN
esutjss-178	412	14	.	.	PUNCT
esutjss-178	413	1	international	international	ADJ
esutjss-178	413	2	public	public	ADJ
esutjss-178	413	3	policy	policy	NOUN
esutjss-178	413	4	review	review	NOUN
esutjss-178	413	5	,	,	PUNCT
esutjss-178	413	6	14(2	14(2	NUM
esutjss-178	413	7	)	)	PUNCT
esutjss-178	413	8	,	,	PUNCT
esutjss-178	413	9	173	173	NUM
esutjss-178	413	10	-	-	SYM
esutjss-178	413	11	195	195	NUM
esutjss-178	413	12	.	.	PUNCT
esutjss-178	413	13	vial	vial	ADJ
esutjss-178	413	14	,	,	PUNCT
esutjss-178	413	15	g.	g.	PROPN
esutjss-178	413	16	(	(	PUNCT
esutjss-178	413	17	2019	2019	NUM
esutjss-178	413	18	)	)	PUNCT
esutjss-178	413	19	.	.	PUNCT
esutjss-178	414	1	understanding	understand	VERB
esutjss-178	414	2	digital	digital	ADJ
esutjss-178	414	3	transformation	transformation	NOUN
esutjss-178	414	4	:	:	PUNCT
esutjss-178	414	5	a	a	DET
esutjss-178	414	6	review	review	NOUN
esutjss-178	414	7	and	and	CCONJ
esutjss-178	414	8	a	a	DET
esutjss-178	414	9	research	research	NOUN
esutjss-178	414	10	agenda	agenda	NOUN
esutjss-178	414	11	.	.	PUNCT
esutjss-178	415	1	the	the	DET
esutjss-178	415	2	journal	journal	NOUN
esutjss-178	415	3	of	of	ADP
esutjss-178	415	4	strategic	strategic	ADJ
esutjss-178	415	5	information	information	NOUN
esutjss-178	415	6	systems	system	NOUN
esutjss-178	415	7	,	,	PUNCT
esutjss-178	415	8	28(2	28(2	NUM
esutjss-178	415	9	)	)	PUNCT
esutjss-178	415	10	,	,	PUNCT
esutjss-178	415	11	118	118	NUM
esutjss-178	415	12	-	-	SYM
esutjss-178	415	13	144	144	NUM
esutjss-178	415	14	.	.	PUNCT
esutjss-178	416	1	warner	warner	PROPN
esutjss-178	416	2	,	,	PUNCT
esutjss-178	416	3	k.	k.	PROPN
esutjss-178	416	4	s.	s.	PROPN
esutjss-178	416	5	,	,	PUNCT
esutjss-178	416	6	&	&	CCONJ
esutjss-178	416	7	wäger	wäger	NOUN
esutjss-178	416	8	,	,	PUNCT
esutjss-178	416	9	m.	m.	NOUN
esutjss-178	416	10	(	(	PUNCT
esutjss-178	416	11	2019	2019	NUM
esutjss-178	416	12	)	)	PUNCT
esutjss-178	416	13	.	.	PUNCT
esutjss-178	417	1	building	build	VERB
esutjss-178	417	2	dynamic	dynamic	ADJ
esutjss-178	417	3	capabilities	capability	NOUN
esutjss-178	417	4	for	for	ADP
esutjss-178	417	5	digital	digital	ADJ
esutjss-178	417	6	transformation	transformation	NOUN
esutjss-178	417	7	:	:	PUNCT
esutjss-178	417	8	an	an	DET
esutjss-178	417	9	ongoing	ongoing	ADJ
esutjss-178	417	10	process	process	NOUN
esutjss-178	417	11	of	of	ADP
esutjss-178	417	12	strategic	strategic	ADJ
esutjss-178	417	13	renewal	renewal	NOUN
esutjss-178	417	14	.	.	PUNCT
esutjss-178	418	1	long	long	ADJ
esutjss-178	418	2	range	range	NOUN
esutjss-178	418	3	planning	planning	NOUN
esutjss-178	418	4	,	,	PUNCT
esutjss-178	418	5	52(3	52(3	NOUN
esutjss-178	418	6	)	)	PUNCT
esutjss-178	418	7	,	,	PUNCT
esutjss-178	418	8	326	326	NUM
esutjss-178	418	9	-	-	SYM
esutjss-178	418	10	349	349	NUM
esutjss-178	418	11	.	.	PUNCT
esutjss-178	419	1	westerman	westerman	PROPN
esutjss-178	419	2	,	,	PUNCT
esutjss-178	419	3	g.	g.	PROPN
esutjss-178	419	4	,	,	PUNCT
esutjss-178	419	5	bonnet	bonnet	NOUN
esutjss-178	419	6	,	,	PUNCT
esutjss-178	419	7	d.	d.	PROPN
esutjss-178	419	8	,	,	PUNCT
esutjss-178	419	9	&	&	CCONJ
esutjss-178	419	10	mcafee	mcafee	PROPN
esutjss-178	419	11	,	,	PUNCT
esutjss-178	419	12	a.	a.	NOUN
esutjss-178	419	13	(	(	PUNCT
esutjss-178	419	14	2014	2014	NUM
esutjss-178	419	15	)	)	PUNCT
esutjss-178	419	16	.	.	PUNCT
esutjss-178	420	1	leading	lead	VERB
esutjss-178	420	2	digital	digital	NOUN
esutjss-178	420	3	:	:	PUNCT
esutjss-178	420	4	turning	turn	VERB
esutjss-178	420	5	technology	technology	NOUN
esutjss-178	420	6	into	into	ADP
esutjss-178	420	7	business	business	NOUN
esutjss-178	420	8	transformation	transformation	NOUN
esutjss-178	420	9	.	.	PUNCT
esutjss-178	421	1	harvard	harvard	PROPN
esutjss-178	421	2	business	business	PROPN
esutjss-178	421	3	press	press	PROPN
esutjss-178	421	4	.	.	PUNCT
esutjss-178	422	1	83	83	NUM
esutjss-178	422	2	world	world	NOUN
esutjss-178	422	3	economic	economic	ADJ
esutjss-178	422	4	forum	forum	NOUN
esutjss-178	422	5	(	(	PUNCT
esutjss-178	422	6	2018	2018	NUM
esutjss-178	422	7	)	)	PUNCT
esutjss-178	422	8	.	.	PUNCT
esutjss-178	423	1	the	the	DET
esutjss-178	423	2	future	future	NOUN
esutjss-178	423	3	of	of	ADP
esutjss-178	423	4	jobs	job	NOUN
esutjss-178	423	5	report	report	NOUN
esutjss-178	423	6	.	.	PUNCT
esutjss-178	424	1	retrieved	retrieve	VERB
esutjss-178	424	2	from	from	ADP
esutjss-178	424	3	http://www3.weforum.org/docs/wef_future_of_jobs_2018.pdf	http://www3.weforum.org/docs/wef_future_of_jobs_2018.pdf	PROPN
esutjss-178	424	4	yusuf	yusuf	PROPN
esutjss-178	424	5	,	,	PUNCT
esutjss-178	424	6	t.	t.	PROPN
esutjss-178	424	7	o.	o.	PROPN
esutjss-178	424	8	,	,	PUNCT
esutjss-178	424	9	ajemunigbohun	ajemunigbohun	PROPN
esutjss-178	424	10	,	,	PUNCT
esutjss-178	424	11	s.	s.	PROPN
esutjss-178	424	12	s.	s.	PROPN
esutjss-178	424	13	,	,	PUNCT
esutjss-178	424	14	&	&	CCONJ
esutjss-178	424	15	alli	alli	PROPN
esutjss-178	424	16	,	,	PUNCT
esutjss-178	424	17	g.	g.	PROPN
esutjss-178	424	18	n.	n.	PROPN
esutjss-178	424	19	(	(	PUNCT
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esutjss-178	424	21	)	)	PUNCT
esutjss-178	424	22	.	.	PUNCT
esutjss-178	425	1	a	a	DET
esutjss-178	425	2	critical	critical	ADJ
esutjss-178	425	3	review	review	NOUN
esutjss-178	425	4	of	of	ADP
esutjss-178	425	5	insurance	insurance	NOUN
esutjss-178	425	6	claims	claim	NOUN
esutjss-178	425	7	management	management	NOUN
esutjss-178	425	8	:	:	PUNCT
esutjss-178	425	9	a	a	DET
esutjss-178	425	10	study	study	NOUN
esutjss-178	425	11	of	of	ADP
esutjss-178	425	12	selected	select	VERB
esutjss-178	425	13	insurance	insurance	NOUN
esutjss-178	425	14	companies	company	NOUN
esutjss-178	425	15	in	in	ADP
esutjss-178	425	16	nigeria	nigeria	PROPN
esutjss-178	425	17	.	.	PUNCT
esutjss-178	426	1	spoudai	spoudai	PROPN
esutjss-178	426	2	-	-	PUNCT
esutjss-178	426	3	journal	journal	NOUN
esutjss-178	426	4	of	of	ADP
esutjss-178	426	5	economics	economic	NOUN
esutjss-178	426	6	and	and	CCONJ
esutjss-178	426	7	business	business	NOUN
esutjss-178	426	8	,	,	PUNCT
esutjss-178	426	9	67(2	67(2	NUM
esutjss-178	426	10	)	)	PUNCT
esutjss-178	426	11	,	,	PUNCT
esutjss-178	426	12	69	69	NUM
esutjss-178	426	13	-	-	SYM
esutjss-178	426	14	84	84	NUM
esutjss-178	426	15	.	.	PUNCT
esutjss-178	427	1	page	page	NOUN
esutjss-178	427	2	7	7	NUM