id	sid	tid	token	lemma	pos
ejge-10173	1	1	the	the	DET
ejge-10173	1	2	authors	author	NOUN
ejge-10173	1	3	2024	2024	NUM
ejge-10173	1	4	.	.	PUNCT
ejge-10173	2	1	this	this	PRON
ejge-10173	2	2	is	be	AUX
ejge-10173	2	3	an	an	DET
ejge-10173	2	4	open	open	ADJ
ejge-10173	2	5	access	access	NOUN
ejge-10173	2	6	article	article	NOUN
ejge-10173	2	7	distributed	distribute	VERB
ejge-10173	2	8	under	under	ADP
ejge-10173	2	9	the	the	DET
ejge-10173	2	10	terms	term	NOUN
ejge-10173	2	11	of	of	ADP
ejge-10173	2	12	the	the	DET
ejge-10173	2	13	creative	creative	ADJ
ejge-10173	2	14	commons	common	NOUN
ejge-10173	2	15	attribution	attribution	NOUN
ejge-10173	2	16	-	-	PUNCT
ejge-10173	2	17	noncommercial	noncommercial	ADJ
ejge-10173	2	18	4.0	4.0	NUM
ejge-10173	2	19	international	international	ADJ
ejge-10173	2	20	license	license	NOUN
ejge-10173	2	21	vol	vol	NOUN
ejge-10173	2	22	.	.	PUNCT
ejge-10173	3	1	13	13	NUM
ejge-10173	3	2	,	,	PUNCT
ejge-10173	3	3	no	no	INTJ
ejge-10173	3	4	.	.	NOUN
ejge-10173	3	5	2	2	NUM
ejge-10173	3	6	(	(	PUNCT
ejge-10173	3	7	2024	2024	NUM
ejge-10173	3	8	)	)	PUNCT
ejge-10173	3	9	,	,	PUNCT
ejge-10173	3	10	pages	page	NOUN
ejge-10173	3	11	206	206	NUM
ejge-10173	3	12	-	-	SYM
ejge-10173	3	13	224	224	NUM
ejge-10173	3	14	https://doi.org/10.17979/ejge.2024.13.2.10173	https://doi.org/10.17979/ejge.2024.13.2.10173	PROPN
ejge-10173	3	15	submitted	submit	VERB
ejge-10173	3	16	:	:	PUNCT
ejge-10173	3	17	dec	dec	PROPN
ejge-10173	3	18	14	14	NUM
ejge-10173	3	19	,	,	PUNCT
ejge-10173	3	20	2023	2023	NUM
ejge-10173	3	21	accepted	accept	VERB
ejge-10173	3	22	:	:	PUNCT
ejge-10173	3	23	may	may	AUX
ejge-10173	3	24	14	14	NUM
ejge-10173	3	25	,	,	PUNCT
ejge-10173	3	26	2024	2024	NUM
ejge-10173	3	27	published	publish	VERB
ejge-10173	3	28	:	:	PUNCT
ejge-10173	3	29	dec	dec	PROPN
ejge-10173	3	30	3	3	NUM
ejge-10173	3	31	,	,	PUNCT
ejge-10173	3	32	2024	2024	NUM
ejge-10173	3	33	article	article	NOUN
ejge-10173	3	34	unlocking	unlock	VERB
ejge-10173	3	35	regional	regional	ADJ
ejge-10173	3	36	value	value	NOUN
ejge-10173	3	37	chains	chain	NOUN
ejge-10173	3	38	:	:	PUNCT
ejge-10173	3	39	fintech	fintech	NOUN
ejge-10173	3	40	’s	’s	PART
ejge-10173	3	41	role	role	NOUN
ejge-10173	3	42	in	in	ADP
ejge-10173	3	43	the	the	DET
ejge-10173	3	44	western	western	ADJ
ejge-10173	3	45	balkans	balkans	PROPN
ejge-10173	3	46	'	'	PART
ejge-10173	3	47	integration	integration	NOUN
ejge-10173	3	48	into	into	ADP
ejge-10173	3	49	global	global	ADJ
ejge-10173	3	50	markets	market	NOUN
ejge-10173	3	51	gentjan	gentjan	VERB
ejge-10173	3	52	shaqiri,1	shaqiri,1	NOUN
ejge-10173	3	53	jolta	jolta	PROPN
ejge-10173	4	1	kacani1	kacani1	PROPN
ejge-10173	4	2	,	,	PUNCT
ejge-10173	4	3	*	*	ADJ
ejge-10173	4	4	,	,	PUNCT
ejge-10173	4	5	gazmend	gazmend	NOUN
ejge-10173	4	6	qorraj2	qorraj2	NOUN
ejge-10173	4	7	1	1	NUM
ejge-10173	4	8	university	university	NOUN
ejge-10173	4	9	of	of	ADP
ejge-10173	4	10	tirana	tirana	PROPN
ejge-10173	4	11	,	,	PUNCT
ejge-10173	4	12	albania	albania	PROPN
ejge-10173	4	13	2	2	NUM
ejge-10173	4	14	jean	jean	PROPN
ejge-10173	4	15	monnet	monnet	PROPN
ejge-10173	4	16	chair	chair	PROPN
ejge-10173	4	17	,	,	PUNCT
ejge-10173	4	18	university	university	PROPN
ejge-10173	4	19	of	of	ADP
ejge-10173	4	20	prishtina	prishtina	PROPN
ejge-10173	4	21	,	,	PUNCT
ejge-10173	4	22	kosovo	kosovo	PROPN
ejge-10173	4	23	*	*	PUNCT
ejge-10173	4	24	correspondence	correspondence	NOUN
ejge-10173	4	25	:	:	PUNCT
ejge-10173	5	1	joltakacani@gmail.com	joltakacani@gmail.com	X
ejge-10173	6	1	abstract	abstract	ADJ
ejge-10173	6	2	.	.	PUNCT
ejge-10173	6	3	digitalization	digitalization	NOUN
ejge-10173	6	4	and	and	CCONJ
ejge-10173	6	5	automation	automation	NOUN
ejge-10173	6	6	are	be	AUX
ejge-10173	6	7	restructuring	restructure	VERB
ejge-10173	6	8	the	the	DET
ejge-10173	6	9	geographical	geographical	ADJ
ejge-10173	6	10	landscape	landscape	NOUN
ejge-10173	6	11	of	of	ADP
ejge-10173	6	12	operations	operation	NOUN
ejge-10173	6	13	and	and	CCONJ
ejge-10173	6	14	labor	labor	NOUN
ejge-10173	6	15	,	,	PUNCT
ejge-10173	6	16	significantly	significantly	ADV
ejge-10173	6	17	altering	alter	VERB
ejge-10173	6	18	operations	operation	NOUN
ejge-10173	6	19	in	in	ADP
ejge-10173	6	20	global	global	ADJ
ejge-10173	6	21	value	value	NOUN
ejge-10173	6	22	chains	chain	NOUN
ejge-10173	6	23	(	(	PUNCT
ejge-10173	6	24	gvcs	gvcs	NOUN
ejge-10173	6	25	)	)	PUNCT
ejge-10173	6	26	.	.	PUNCT
ejge-10173	7	1	digital	digital	PROPN
ejge-10173	7	2	technologies	technology	NOUN
ejge-10173	7	3	are	be	AUX
ejge-10173	7	4	expected	expect	VERB
ejge-10173	7	5	to	to	PART
ejge-10173	7	6	boost	boost	VERB
ejge-10173	7	7	resilience	resilience	NOUN
ejge-10173	7	8	,	,	PUNCT
ejge-10173	7	9	enhance	enhance	VERB
ejge-10173	7	10	transparency	transparency	NOUN
ejge-10173	7	11	,	,	PUNCT
ejge-10173	7	12	and	and	CCONJ
ejge-10173	7	13	foster	foster	ADJ
ejge-10173	7	14	sustainability	sustainability	NOUN
ejge-10173	7	15	in	in	ADP
ejge-10173	7	16	gvcs	gvcs	NOUN
ejge-10173	7	17	.	.	PUNCT
ejge-10173	8	1	in	in	ADP
ejge-10173	8	2	this	this	DET
ejge-10173	8	3	context	context	NOUN
ejge-10173	8	4	,	,	PUNCT
ejge-10173	8	5	this	this	DET
ejge-10173	8	6	paper	paper	NOUN
ejge-10173	8	7	looks	look	VERB
ejge-10173	8	8	at	at	ADP
ejge-10173	8	9	how	how	SCONJ
ejge-10173	8	10	the	the	DET
ejge-10173	8	11	application	application	NOUN
ejge-10173	8	12	of	of	ADP
ejge-10173	8	13	fintech	fintech	NOUN
ejge-10173	8	14	solutions	solution	NOUN
ejge-10173	8	15	fosters	foster	VERB
ejge-10173	8	16	the	the	DET
ejge-10173	8	17	creation	creation	NOUN
ejge-10173	8	18	of	of	ADP
ejge-10173	8	19	regional	regional	ADJ
ejge-10173	8	20	value	value	NOUN
ejge-10173	8	21	chains	chain	NOUN
ejge-10173	8	22	(	(	PUNCT
ejge-10173	8	23	rvcs	rvcs	ADJ
ejge-10173	8	24	)	)	PUNCT
ejge-10173	8	25	,	,	PUNCT
ejge-10173	8	26	increasing	increase	VERB
ejge-10173	8	27	attractiveness	attractiveness	NOUN
ejge-10173	8	28	and	and	CCONJ
ejge-10173	8	29	generating	generate	VERB
ejge-10173	8	30	new	new	ADJ
ejge-10173	8	31	opportunities	opportunity	NOUN
ejge-10173	8	32	for	for	ADP
ejge-10173	8	33	enterprises	enterprise	NOUN
ejge-10173	8	34	in	in	ADP
ejge-10173	8	35	the	the	DET
ejge-10173	8	36	western	western	ADJ
ejge-10173	8	37	balkan	balkan	ADJ
ejge-10173	8	38	region	region	NOUN
ejge-10173	8	39	to	to	PART
ejge-10173	8	40	participate	participate	VERB
ejge-10173	8	41	in	in	ADP
ejge-10173	8	42	gvcs	gvcs	NOUN
ejge-10173	8	43	to	to	PART
ejge-10173	8	44	fill	fill	VERB
ejge-10173	8	45	the	the	DET
ejge-10173	8	46	existing	exist	VERB
ejge-10173	8	47	gap	gap	NOUN
ejge-10173	8	48	for	for	ADP
ejge-10173	8	49	granular	granular	ADJ
ejge-10173	8	50	analysis	analysis	NOUN
ejge-10173	8	51	at	at	ADP
ejge-10173	8	52	the	the	DET
ejge-10173	8	53	industry	industry	NOUN
ejge-10173	8	54	level	level	NOUN
ejge-10173	8	55	,	,	PUNCT
ejge-10173	8	56	the	the	DET
ejge-10173	8	57	paper	paper	NOUN
ejge-10173	8	58	examines	examine	VERB
ejge-10173	8	59	if	if	SCONJ
ejge-10173	8	60	enterprises	enterprise	NOUN
ejge-10173	8	61	in	in	ADP
ejge-10173	8	62	the	the	DET
ejge-10173	8	63	western	western	ADJ
ejge-10173	8	64	balkans	balkan	NOUN
ejge-10173	8	65	that	that	PRON
ejge-10173	8	66	apply	apply	VERB
ejge-10173	8	67	of	of	ADP
ejge-10173	8	68	fintech	fintech	NOUN
ejge-10173	8	69	solutions	solution	NOUN
ejge-10173	8	70	in	in	ADP
ejge-10173	8	71	financial	financial	ADJ
ejge-10173	8	72	management	management	NOUN
ejge-10173	8	73	have	have	VERB
ejge-10173	8	74	better	well	ADJ
ejge-10173	8	75	opportunities	opportunity	NOUN
ejge-10173	8	76	to	to	PART
ejge-10173	8	77	create	create	VERB
ejge-10173	8	78	rvcs	rvcs	ADJ
ejge-10173	8	79	than	than	ADP
ejge-10173	8	80	the	the	DET
ejge-10173	8	81	ones	one	NOUN
ejge-10173	8	82	that	that	PRON
ejge-10173	8	83	resist	resist	VERB
ejge-10173	8	84	fintech	fintech	NOUN
ejge-10173	8	85	implementation	implementation	NOUN
ejge-10173	8	86	.	.	PUNCT
ejge-10173	9	1	using	use	VERB
ejge-10173	9	2	a	a	DET
ejge-10173	9	3	benchmarking	benchmarke	VERB
ejge-10173	9	4	instrument	instrument	NOUN
ejge-10173	9	5	on	on	ADP
ejge-10173	9	6	fintech	fintech	NOUN
ejge-10173	9	7	solutions	solution	NOUN
ejge-10173	9	8	implemented	implement	VERB
ejge-10173	9	9	on	on	ADP
ejge-10173	9	10	370	370	NUM
ejge-10173	9	11	enterprises	enterprise	NOUN
ejge-10173	9	12	,	,	PUNCT
ejge-10173	9	13	this	this	DET
ejge-10173	9	14	paper	paper	NOUN
ejge-10173	9	15	tries	try	VERB
ejge-10173	9	16	to	to	PART
ejge-10173	9	17	identify	identify	VERB
ejge-10173	9	18	industries	industry	NOUN
ejge-10173	9	19	with	with	ADP
ejge-10173	9	20	the	the	DET
ejge-10173	9	21	highest	high	ADJ
ejge-10173	9	22	potential	potential	NOUN
ejge-10173	9	23	to	to	PART
ejge-10173	9	24	create	create	VERB
ejge-10173	9	25	rvcs	rvcs	ADJ
ejge-10173	9	26	and	and	CCONJ
ejge-10173	9	27	higher	high	ADJ
ejge-10173	9	28	prospects	prospect	NOUN
ejge-10173	9	29	for	for	ADP
ejge-10173	9	30	integration	integration	NOUN
ejge-10173	9	31	in	in	ADP
ejge-10173	9	32	gvcs	gvcs	NOUN
ejge-10173	9	33	.	.	PUNCT
ejge-10173	10	1	our	our	PRON
ejge-10173	10	2	findings	finding	NOUN
ejge-10173	10	3	indicate	indicate	VERB
ejge-10173	10	4	that	that	SCONJ
ejge-10173	10	5	fintech	fintech	NOUN
ejge-10173	10	6	solutions	solution	NOUN
ejge-10173	10	7	and	and	CCONJ
ejge-10173	10	8	applications	application	NOUN
ejge-10173	10	9	can	can	AUX
ejge-10173	10	10	be	be	AUX
ejge-10173	10	11	one	one	NUM
ejge-10173	10	12	of	of	ADP
ejge-10173	10	13	the	the	DET
ejge-10173	10	14	main	main	ADJ
ejge-10173	10	15	driving	drive	VERB
ejge-10173	10	16	forces	force	NOUN
ejge-10173	10	17	in	in	ADP
ejge-10173	10	18	transforming	transform	VERB
ejge-10173	10	19	and	and	CCONJ
ejge-10173	10	20	upgrading	upgrade	VERB
ejge-10173	10	21	rvcs	rvcs	ADV
ejge-10173	10	22	in	in	ADP
ejge-10173	10	23	western	western	ADJ
ejge-10173	10	24	balkan	balkan	ADJ
ejge-10173	10	25	countries	country	NOUN
ejge-10173	10	26	.	.	PUNCT
ejge-10173	11	1	keywords	keyword	NOUN
ejge-10173	11	2	:	:	PUNCT
ejge-10173	11	3	fintech	fintech	NOUN
ejge-10173	11	4	;	;	PUNCT
ejge-10173	11	5	global	global	ADJ
ejge-10173	11	6	value	value	NOUN
ejge-10173	11	7	chains	chain	NOUN
ejge-10173	11	8	;	;	PUNCT
ejge-10173	11	9	financial	financial	ADJ
ejge-10173	11	10	ratio	ratio	NOUN
ejge-10173	11	11	analysis	analysis	NOUN
ejge-10173	11	12	;	;	PUNCT
ejge-10173	11	13	benchmarking	benchmarke	VERB
ejge-10173	11	14	;	;	PUNCT
ejge-10173	11	15	western	western	ADJ
ejge-10173	11	16	balkans	balkans	PROPN
ejge-10173	11	17	jel	jel	VERB
ejge-10173	11	18	classification	classification	NOUN
ejge-10173	11	19	:	:	PUNCT
ejge-10173	11	20	c39	c39	NOUN
ejge-10173	11	21	;	;	PUNCT
ejge-10173	11	22	c51	c51	NOUN
ejge-10173	11	23	;	;	PUNCT
ejge-10173	11	24	h26	h26	PROPN
ejge-10173	11	25	1	1	NUM
ejge-10173	11	26	.	.	PUNCT
ejge-10173	12	1	introduction	introduction	NOUN
ejge-10173	12	2	global	global	ADJ
ejge-10173	12	3	value	value	NOUN
ejge-10173	12	4	chains	chain	NOUN
ejge-10173	12	5	(	(	PUNCT
ejge-10173	12	6	gvss	gvss	NOUN
ejge-10173	12	7	)	)	PUNCT
ejge-10173	12	8	have	have	AUX
ejge-10173	12	9	become	become	VERB
ejge-10173	12	10	increasingly	increasingly	ADV
ejge-10173	12	11	fragmented	fragment	VERB
ejge-10173	12	12	and	and	CCONJ
ejge-10173	12	13	dispersed	disperse	VERB
ejge-10173	12	14	,	,	PUNCT
ejge-10173	12	15	with	with	ADP
ejge-10173	12	16	a	a	DET
ejge-10173	12	17	growing	grow	VERB
ejge-10173	12	18	number	number	NOUN
ejge-10173	12	19	of	of	ADP
ejge-10173	12	20	longer	long	ADJ
ejge-10173	12	21	and	and	CCONJ
ejge-10173	12	22	wider	wider	ADV
ejge-10173	12	23	-	-	PUNCT
ejge-10173	12	24	ranging	range	VERB
ejge-10173	12	25	networks	network	NOUN
ejge-10173	12	26	of	of	ADP
ejge-10173	12	27	smalland	smalland	NOUN
ejge-10173	12	28	medium	medium	ADJ
ejge-10173	12	29	-	-	PUNCT
ejge-10173	12	30	sized	sized	ADJ
ejge-10173	12	31	(	(	PUNCT
ejge-10173	12	32	sme	sme	NOUN
ejge-10173	12	33	)	)	PUNCT
ejge-10173	12	34	upstream	upstream	ADJ
ejge-10173	12	35	and	and	CCONJ
ejge-10173	12	36	downstream	downstream	ADJ
ejge-10173	12	37	enterprises	enterprise	NOUN
ejge-10173	12	38	across	across	ADP
ejge-10173	12	39	major	major	ADJ
ejge-10173	12	40	international	international	ADJ
ejge-10173	12	41	markets	market	NOUN
ejge-10173	12	42	.	.	PUNCT
ejge-10173	13	1	according	accord	VERB
ejge-10173	13	2	to	to	ADP
ejge-10173	13	3	kano	kano	PROPN
ejge-10173	13	4	et	et	PROPN
ejge-10173	13	5	al	al	PROPN
ejge-10173	13	6	.	.	PROPN
ejge-10173	14	1	(	(	PUNCT
ejge-10173	14	2	2020	2020	NUM
ejge-10173	14	3	)	)	PUNCT
ejge-10173	14	4	and	and	CCONJ
ejge-10173	14	5	kacani	kacani	NOUN
ejge-10173	14	6	and	and	CCONJ
ejge-10173	14	7	shaqiri	shaqiri	NOUN
ejge-10173	14	8	(	(	PUNCT
ejge-10173	14	9	2023	2023	NUM
ejge-10173	14	10	)	)	PUNCT
ejge-10173	14	11	,	,	PUNCT
ejge-10173	14	12	gvcs	gvcs	NOUN
ejge-10173	14	13	comprise	comprise	VERB
ejge-10173	14	14	a	a	DET
ejge-10173	14	15	series	series	NOUN
ejge-10173	14	16	of	of	ADP
ejge-10173	14	17	stages	stage	NOUN
ejge-10173	14	18	involved	involve	VERB
ejge-10173	14	19	in	in	ADP
ejge-10173	14	20	the	the	DET
ejge-10173	14	21	production	production	NOUN
ejge-10173	14	22	of	of	ADP
ejge-10173	14	23	a	a	DET
ejge-10173	14	24	product	product	NOUN
ejge-10173	14	25	or	or	CCONJ
ejge-10173	14	26	service	service	NOUN
ejge-10173	14	27	that	that	PRON
ejge-10173	14	28	is	be	AUX
ejge-10173	14	29	ultimately	ultimately	ADV
ejge-10173	14	30	sold	sell	VERB
ejge-10173	14	31	to	to	ADP
ejge-10173	14	32	consumers	consumer	NOUN
ejge-10173	14	33	.	.	PUNCT
ejge-10173	15	1	each	each	DET
ejge-10173	15	2	stage	stage	NOUN
ejge-10173	15	3	contributes	contribute	VERB
ejge-10173	15	4	to	to	ADP
ejge-10173	15	5	the	the	DET
ejge-10173	15	6	creation	creation	NOUN
ejge-10173	15	7	of	of	ADP
ejge-10173	15	8	value	value	NOUN
ejge-10173	15	9	,	,	PUNCT
ejge-10173	15	10	and	and	CCONJ
ejge-10173	15	11	at	at	ADV
ejge-10173	15	12	least	least	ADV
ejge-10173	15	13	two	two	NUM
ejge-10173	15	14	stages	stage	NOUN
ejge-10173	15	15	are	be	AUX
ejge-10173	15	16	produced	produce	VERB
ejge-10173	15	17	in	in	ADP
ejge-10173	15	18	distinct	distinct	ADJ
ejge-10173	15	19	countries	country	NOUN
ejge-10173	15	20	.	.	PUNCT
ejge-10173	16	1	gvcs	gvcs	PROPN
ejge-10173	16	2	create	create	VERB
ejge-10173	16	3	global	global	ADJ
ejge-10173	16	4	trade	trade	NOUN
ejge-10173	16	5	routes	route	NOUN
ejge-10173	16	6	that	that	PRON
ejge-10173	16	7	connect	connect	VERB
ejge-10173	16	8	local	local	ADJ
ejge-10173	16	9	producers	producer	NOUN
ejge-10173	16	10	from	from	ADP
ejge-10173	16	11	emerging	emerge	VERB
ejge-10173	16	12	economies	economy	NOUN
ejge-10173	16	13	to	to	ADP
ejge-10173	16	14	global	global	ADJ
ejge-10173	16	15	marketplaces	marketplace	NOUN
ejge-10173	16	16	.	.	PUNCT
ejge-10173	17	1	they	they	PRON
ejge-10173	17	2	provide	provide	VERB
ejge-10173	17	3	a	a	DET
ejge-10173	17	4	link	link	NOUN
ejge-10173	17	5	between	between	ADP
ejge-10173	17	6	suppliers	supplier	NOUN
ejge-10173	17	7	of	of	ADP
ejge-10173	17	8	the	the	DET
ejge-10173	17	9	raw	raw	ADJ
ejge-10173	17	10	materials	material	NOUN
ejge-10173	17	11	,	,	PUNCT
ejge-10173	17	12	the	the	DET
ejge-10173	17	13	producer	producer	NOUN
ejge-10173	17	14	,	,	PUNCT
ejge-10173	17	15	and	and	CCONJ
ejge-10173	17	16	the	the	DET
ejge-10173	17	17	final	final	ADJ
ejge-10173	17	18	consumer	consumer	NOUN
ejge-10173	17	19	.	.	PUNCT
ejge-10173	18	1	in	in	ADP
ejge-10173	18	2	the	the	DET
ejge-10173	18	3	dynamic	dynamic	ADJ
ejge-10173	18	4	environment	environment	NOUN
ejge-10173	18	5	of	of	ADP
ejge-10173	18	6	international	international	ADJ
ejge-10173	18	7	markets	market	NOUN
ejge-10173	18	8	,	,	PUNCT
ejge-10173	18	9	technological	technological	ADJ
ejge-10173	18	10	evolution	evolution	NOUN
ejge-10173	18	11	is	be	AUX
ejge-10173	18	12	one	one	NUM
ejge-10173	18	13	of	of	ADP
ejge-10173	18	14	the	the	DET
ejge-10173	18	15	main	main	ADJ
ejge-10173	18	16	factors	factor	NOUN
ejge-10173	18	17	influencing	influence	VERB
ejge-10173	18	18	how	how	SCONJ
ejge-10173	18	19	gvcs	gvcs	NOUN
ejge-10173	18	20	evolve	evolve	VERB
ejge-10173	18	21	(	(	PUNCT
ejge-10173	18	22	banga	banga	PROPN
ejge-10173	18	23	,	,	PUNCT
ejge-10173	18	24	2020	2020	NUM
ejge-10173	18	25	)	)	PUNCT
ejge-10173	18	26	.	.	PUNCT
ejge-10173	19	1	new	new	ADJ
ejge-10173	19	2	technologies	technology	NOUN
ejge-10173	19	3	are	be	AUX
ejge-10173	19	4	making	make	VERB
ejge-10173	19	5	it	it	PRON
ejge-10173	19	6	easier	easy	ADJ
ejge-10173	19	7	to	to	PART
ejge-10173	19	8	reconfigure	reconfigure	VERB
ejge-10173	19	9	gvcs	gvcs	NOUN
ejge-10173	19	10	.	.	PUNCT
ejge-10173	20	1	within	within	ADP
ejge-10173	20	2	the	the	DET
ejge-10173	20	3	technological	technological	ADJ
ejge-10173	20	4	evolution	evolution	NOUN
ejge-10173	20	5	,	,	PUNCT
ejge-10173	20	6	the	the	DET
ejge-10173	20	7	european	european	PROPN
ejge-10173	20	8	union	union	PROPN
ejge-10173	20	9	(	(	PUNCT
ejge-10173	20	10	eu	eu	PROPN
ejge-10173	20	11	)	)	PUNCT
ejge-10173	20	12	has	have	AUX
ejge-10173	20	13	recognized	recognize	VERB
ejge-10173	20	14	digitalization	digitalization	NOUN
ejge-10173	20	15	as	as	ADP
ejge-10173	20	16	a	a	DET
ejge-10173	20	17	significant	significant	ADJ
ejge-10173	20	18	catalyst	catalyst	NOUN
ejge-10173	20	19	for	for	ADP
ejge-10173	20	20	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PRON
ejge-10173	20	21	unlocking	unlock	VERB
ejge-10173	20	22	regional	regional	ADJ
ejge-10173	20	23	value	value	NOUN
ejge-10173	20	24	chains	chain	NOUN
ejge-10173	20	25	economic	economic	ADJ
ejge-10173	20	26	and	and	CCONJ
ejge-10173	20	27	social	social	ADJ
ejge-10173	20	28	transformation	transformation	NOUN
ejge-10173	20	29	,	,	PUNCT
ejge-10173	20	30	albeit	albeit	SCONJ
ejge-10173	20	31	the	the	DET
ejge-10173	20	32	process	process	NOUN
ejge-10173	20	33	has	have	AUX
ejge-10173	20	34	been	be	AUX
ejge-10173	20	35	characterized	characterize	VERB
ejge-10173	20	36	as	as	ADP
ejge-10173	20	37	uneven	uneven	ADJ
ejge-10173	20	38	.	.	PUNCT
ejge-10173	21	1	digitalization	digitalization	NOUN
ejge-10173	21	2	stimulates	stimulate	VERB
ejge-10173	21	3	the	the	DET
ejge-10173	21	4	upgrading	upgrading	NOUN
ejge-10173	21	5	of	of	ADP
ejge-10173	21	6	gvcs	gvcs	NOUN
ejge-10173	21	7	as	as	SCONJ
ejge-10173	21	8	it	it	PRON
ejge-10173	21	9	intensifies	intensify	VERB
ejge-10173	21	10	research	research	NOUN
ejge-10173	21	11	and	and	CCONJ
ejge-10173	21	12	development	development	NOUN
ejge-10173	21	13	expenditure	expenditure	NOUN
ejge-10173	21	14	,	,	PUNCT
ejge-10173	21	15	maximizes	maximize	VERB
ejge-10173	21	16	resource	resource	NOUN
ejge-10173	21	17	allocation	allocation	NOUN
ejge-10173	21	18	,	,	PUNCT
ejge-10173	21	19	encourages	encourage	VERB
ejge-10173	21	20	technological	technological	ADJ
ejge-10173	21	21	innovation	innovation	NOUN
ejge-10173	21	22	,	,	PUNCT
ejge-10173	21	23	empowers	empower	VERB
ejge-10173	21	24	digital	digital	ADJ
ejge-10173	21	25	transformation	transformation	NOUN
ejge-10173	21	26	,	,	PUNCT
ejge-10173	21	27	augments	augment	VERB
ejge-10173	21	28	efficiency	efficiency	NOUN
ejge-10173	21	29	,	,	PUNCT
ejge-10173	21	30	and	and	CCONJ
ejge-10173	21	31	promotes	promote	VERB
ejge-10173	21	32	goodwill	goodwill	NOUN
ejge-10173	21	33	and	and	CCONJ
ejge-10173	21	34	reputation	reputation	NOUN
ejge-10173	21	35	(	(	PUNCT
ejge-10173	21	36	sun	sun	NOUN
ejge-10173	21	37	et	et	PROPN
ejge-10173	21	38	al	al	PROPN
ejge-10173	21	39	.	.	PROPN
ejge-10173	21	40	,	,	PUNCT
ejge-10173	21	41	2023	2023	NUM
ejge-10173	21	42	)	)	PUNCT
ejge-10173	21	43	.	.	PUNCT
ejge-10173	22	1	in	in	ADP
ejge-10173	22	2	gvcs	gvcs	NOUN
ejge-10173	22	3	,	,	PUNCT
ejge-10173	22	4	digitalization	digitalization	NOUN
ejge-10173	22	5	reduces	reduce	VERB
ejge-10173	22	6	multilateral	multilateral	ADJ
ejge-10173	22	7	resistance	resistance	NOUN
ejge-10173	22	8	to	to	ADP
ejge-10173	22	9	trade	trade	NOUN
ejge-10173	22	10	,	,	PUNCT
ejge-10173	22	11	expands	expand	VERB
ejge-10173	22	12	export	export	NOUN
ejge-10173	22	13	market	market	NOUN
ejge-10173	22	14	access	access	NOUN
ejge-10173	22	15	,	,	PUNCT
ejge-10173	22	16	increases	increase	VERB
ejge-10173	22	17	the	the	DET
ejge-10173	22	18	export	export	NOUN
ejge-10173	22	19	market	market	NOUN
ejge-10173	22	20	,	,	PUNCT
ejge-10173	22	21	and	and	CCONJ
ejge-10173	22	22	helps	help	VERB
ejge-10173	22	23	exports	export	NOUN
ejge-10173	22	24	grow	grow	VERB
ejge-10173	22	25	marginally	marginally	ADV
ejge-10173	22	26	(	(	PUNCT
ejge-10173	22	27	elia	elia	PROPN
ejge-10173	22	28	et	et	PROPN
ejge-10173	22	29	al	al	PROPN
ejge-10173	22	30	.	.	PROPN
ejge-10173	22	31	,	,	PUNCT
ejge-10173	22	32	2021	2021	NUM
ejge-10173	22	33	)	)	PUNCT
ejge-10173	22	34	.	.	PUNCT
ejge-10173	23	1	over	over	ADP
ejge-10173	23	2	the	the	DET
ejge-10173	23	3	past	past	ADJ
ejge-10173	23	4	decade	decade	NOUN
ejge-10173	23	5	,	,	PUNCT
ejge-10173	23	6	digitalization	digitalization	NOUN
ejge-10173	23	7	has	have	AUX
ejge-10173	23	8	introduced	introduce	VERB
ejge-10173	23	9	several	several	ADJ
ejge-10173	23	10	innovations	innovation	NOUN
ejge-10173	23	11	in	in	ADP
ejge-10173	23	12	gvcs	gvcs	NOUN
ejge-10173	23	13	,	,	PUNCT
ejge-10173	23	14	including	include	VERB
ejge-10173	23	15	fintech	fintech	NOUN
ejge-10173	23	16	solutions	solution	NOUN
ejge-10173	23	17	.	.	PUNCT
ejge-10173	24	1	in	in	ADP
ejge-10173	24	2	a	a	DET
ejge-10173	24	3	nutshell	nutshell	NOUN
ejge-10173	24	4	,	,	PUNCT
ejge-10173	24	5	fintech	fintech	NOUN
ejge-10173	24	6	is	be	AUX
ejge-10173	24	7	a	a	DET
ejge-10173	24	8	digital	digital	ADJ
ejge-10173	24	9	record	record	NOUN
ejge-10173	24	10	of	of	ADP
ejge-10173	24	11	financial	financial	ADJ
ejge-10173	24	12	transactions	transaction	NOUN
ejge-10173	24	13	about	about	ADP
ejge-10173	24	14	trade	trade	NOUN
ejge-10173	24	15	that	that	PRON
ejge-10173	24	16	can	can	AUX
ejge-10173	24	17	be	be	AUX
ejge-10173	24	18	traced	trace	VERB
ejge-10173	24	19	in	in	ADP
ejge-10173	24	20	real	real	ADJ
ejge-10173	24	21	-	-	PUNCT
ejge-10173	24	22	time	time	NOUN
ejge-10173	24	23	and	and	CCONJ
ejge-10173	24	24	distributed	distribute	VERB
ejge-10173	24	25	among	among	ADP
ejge-10173	24	26	participants	participant	NOUN
ejge-10173	24	27	who	who	PRON
ejge-10173	24	28	possess	possess	VERB
ejge-10173	24	29	access	access	NOUN
ejge-10173	24	30	rights	right	NOUN
ejge-10173	24	31	.	.	PUNCT
ejge-10173	25	1	fintech	fintech	NOUN
ejge-10173	25	2	permits	permit	VERB
ejge-10173	25	3	actors	actor	NOUN
ejge-10173	25	4	in	in	ADP
ejge-10173	25	5	gvcs	gvcs	NOUN
ejge-10173	25	6	to	to	PART
ejge-10173	25	7	administer	administer	VERB
ejge-10173	25	8	their	their	PRON
ejge-10173	25	9	databases	database	NOUN
ejge-10173	25	10	,	,	PUNCT
ejge-10173	25	11	bringing	bring	VERB
ejge-10173	25	12	together	together	ADV
ejge-10173	25	13	all	all	DET
ejge-10173	25	14	the	the	DET
ejge-10173	25	15	pertinent	pertinent	ADJ
ejge-10173	25	16	data	datum	NOUN
ejge-10173	25	17	into	into	ADP
ejge-10173	25	18	one	one	NUM
ejge-10173	25	19	digital	digital	ADJ
ejge-10173	25	20	document	document	NOUN
ejge-10173	25	21	(	(	PUNCT
ejge-10173	25	22	gleibner	gleibner	NOUN
ejge-10173	25	23	et	et	PROPN
ejge-10173	25	24	al	al	PROPN
ejge-10173	25	25	.	.	PROPN
ejge-10173	25	26	,	,	PUNCT
ejge-10173	25	27	2019	2019	NUM
ejge-10173	25	28	)	)	PUNCT
ejge-10173	25	29	.	.	PUNCT
ejge-10173	26	1	fintech	fintech	NOUN
ejge-10173	26	2	solutions	solution	NOUN
ejge-10173	26	3	can	can	AUX
ejge-10173	26	4	be	be	AUX
ejge-10173	26	5	used	use	VERB
ejge-10173	26	6	to	to	PART
ejge-10173	26	7	preserve	preserve	VERB
ejge-10173	26	8	,	,	PUNCT
ejge-10173	26	9	track	track	NOUN
ejge-10173	26	10	,	,	PUNCT
ejge-10173	26	11	supervise	supervise	VERB
ejge-10173	26	12	,	,	PUNCT
ejge-10173	26	13	and	and	CCONJ
ejge-10173	26	14	exchange	exchange	VERB
ejge-10173	26	15	both	both	CCONJ
ejge-10173	26	16	physical	physical	ADJ
ejge-10173	26	17	and	and	CCONJ
ejge-10173	26	18	digital	digital	ADJ
ejge-10173	26	19	assets	asset	NOUN
ejge-10173	26	20	in	in	ADP
ejge-10173	26	21	a	a	DET
ejge-10173	26	22	way	way	NOUN
ejge-10173	26	23	that	that	PRON
ejge-10173	26	24	is	be	AUX
ejge-10173	26	25	both	both	CCONJ
ejge-10173	26	26	effective	effective	ADJ
ejge-10173	26	27	and	and	CCONJ
ejge-10173	26	28	transparent	transparent	ADJ
ejge-10173	26	29	.	.	PUNCT
ejge-10173	27	1	by	by	ADP
ejge-10173	27	2	implementing	implement	VERB
ejge-10173	27	3	this	this	DET
ejge-10173	27	4	approach	approach	NOUN
ejge-10173	27	5	,	,	PUNCT
ejge-10173	27	6	the	the	DET
ejge-10173	27	7	technology	technology	NOUN
ejge-10173	27	8	can	can	AUX
ejge-10173	27	9	serve	serve	VERB
ejge-10173	27	10	as	as	ADP
ejge-10173	27	11	a	a	DET
ejge-10173	27	12	trust	trust	NOUN
ejge-10173	27	13	mechanism	mechanism	NOUN
ejge-10173	27	14	that	that	PRON
ejge-10173	27	15	can	can	AUX
ejge-10173	27	16	be	be	AUX
ejge-10173	27	17	easily	easily	ADV
ejge-10173	27	18	integrated	integrate	VERB
ejge-10173	27	19	and	and	CCONJ
ejge-10173	27	20	utilized	utilize	VERB
ejge-10173	27	21	,	,	PUNCT
ejge-10173	27	22	thereby	thereby	ADV
ejge-10173	27	23	enabling	enable	VERB
ejge-10173	27	24	other	other	ADJ
ejge-10173	27	25	emerging	emerge	VERB
ejge-10173	27	26	technologies	technology	NOUN
ejge-10173	27	27	to	to	PART
ejge-10173	27	28	attain	attain	VERB
ejge-10173	27	29	greater	great	ADJ
ejge-10173	27	30	scale	scale	NOUN
ejge-10173	27	31	.	.	PUNCT
ejge-10173	28	1	fintech	fintech	NOUN
ejge-10173	28	2	solutions	solution	NOUN
ejge-10173	28	3	can	can	AUX
ejge-10173	28	4	also	also	ADV
ejge-10173	28	5	be	be	AUX
ejge-10173	28	6	used	use	VERB
ejge-10173	28	7	to	to	PART
ejge-10173	28	8	improve	improve	VERB
ejge-10173	28	9	the	the	DET
ejge-10173	28	10	traceability	traceability	NOUN
ejge-10173	28	11	of	of	ADP
ejge-10173	28	12	goods	good	NOUN
ejge-10173	28	13	throughout	throughout	ADP
ejge-10173	28	14	the	the	DET
ejge-10173	28	15	production	production	NOUN
ejge-10173	28	16	process	process	NOUN
ejge-10173	28	17	(	(	PUNCT
ejge-10173	28	18	arrfelt	arrfelt	PROPN
ejge-10173	28	19	et	et	PROPN
ejge-10173	28	20	al	al	PROPN
ejge-10173	28	21	.	.	PROPN
ejge-10173	28	22	,	,	PUNCT
ejge-10173	28	23	2018	2018	NUM
ejge-10173	28	24	)	)	PUNCT
ejge-10173	28	25	.	.	PUNCT
ejge-10173	29	1	numerous	numerous	ADJ
ejge-10173	29	2	research	research	NOUN
ejge-10173	29	3	studies	study	NOUN
ejge-10173	29	4	have	have	AUX
ejge-10173	29	5	revealed	reveal	VERB
ejge-10173	29	6	that	that	SCONJ
ejge-10173	29	7	the	the	DET
ejge-10173	29	8	application	application	NOUN
ejge-10173	29	9	of	of	ADP
ejge-10173	29	10	fintech	fintech	NOUN
ejge-10173	29	11	solutions	solution	NOUN
ejge-10173	29	12	exhibits	exhibit	VERB
ejge-10173	29	13	numerous	numerous	ADJ
ejge-10173	29	14	advantages	advantage	NOUN
ejge-10173	29	15	,	,	PUNCT
ejge-10173	29	16	including	include	VERB
ejge-10173	29	17	the	the	DET
ejge-10173	29	18	enhancement	enhancement	NOUN
ejge-10173	29	19	of	of	ADP
ejge-10173	29	20	openness	openness	NOUN
ejge-10173	29	21	,	,	PUNCT
ejge-10173	29	22	confidence	confidence	NOUN
ejge-10173	29	23	,	,	PUNCT
ejge-10173	29	24	and	and	CCONJ
ejge-10173	29	25	safety	safety	NOUN
ejge-10173	29	26	,	,	PUNCT
ejge-10173	29	27	while	while	SCONJ
ejge-10173	29	28	simultaneously	simultaneously	ADV
ejge-10173	29	29	lowering	lower	VERB
ejge-10173	29	30	expenses	expense	NOUN
ejge-10173	29	31	,	,	PUNCT
ejge-10173	29	32	resulting	result	VERB
ejge-10173	29	33	in	in	ADP
ejge-10173	29	34	enhanced	enhanced	ADJ
ejge-10173	29	35	effectiveness	effectiveness	NOUN
ejge-10173	29	36	.	.	PUNCT
ejge-10173	30	1	(	(	PUNCT
ejge-10173	30	2	javorcik	javorcik	NOUN
ejge-10173	30	3	,	,	PUNCT
ejge-10173	30	4	2020	2020	NUM
ejge-10173	30	5	)	)	PUNCT
ejge-10173	30	6	.	.	PUNCT
ejge-10173	31	1	to	to	PART
ejge-10173	31	2	continue	continue	VERB
ejge-10173	31	3	,	,	PUNCT
ejge-10173	31	4	global	global	ADJ
ejge-10173	31	5	trade	trade	NOUN
ejge-10173	31	6	can	can	AUX
ejge-10173	31	7	be	be	AUX
ejge-10173	31	8	encouraged	encourage	VERB
ejge-10173	31	9	due	due	ADP
ejge-10173	31	10	to	to	ADP
ejge-10173	31	11	the	the	DET
ejge-10173	31	12	availability	availability	NOUN
ejge-10173	31	13	of	of	ADP
ejge-10173	31	14	smart	smart	ADJ
ejge-10173	31	15	contracts	contract	NOUN
ejge-10173	31	16	through	through	ADP
ejge-10173	31	17	fintech	fintech	NOUN
ejge-10173	31	18	solutions	solution	NOUN
ejge-10173	31	19	.	.	PUNCT
ejge-10173	32	1	smart	smart	ADJ
ejge-10173	32	2	contracts	contract	NOUN
ejge-10173	32	3	typically	typically	ADV
ejge-10173	32	4	refer	refer	VERB
ejge-10173	32	5	to	to	ADP
ejge-10173	32	6	software	software	NOUN
ejge-10173	32	7	applications	application	NOUN
ejge-10173	32	8	that	that	PRON
ejge-10173	32	9	store	store	VERB
ejge-10173	32	10	rules	rule	NOUN
ejge-10173	32	11	and	and	CCONJ
ejge-10173	32	12	actions	action	NOUN
ejge-10173	32	13	between	between	ADP
ejge-10173	32	14	parties	party	NOUN
ejge-10173	32	15	.	.	PUNCT
ejge-10173	33	1	fintech	fintech	NOUN
ejge-10173	33	2	solutions	solution	NOUN
ejge-10173	33	3	provide	provide	VERB
ejge-10173	33	4	an	an	DET
ejge-10173	33	5	opportunity	opportunity	NOUN
ejge-10173	33	6	for	for	ADP
ejge-10173	33	7	enterprises	enterprise	NOUN
ejge-10173	33	8	operating	operate	VERB
ejge-10173	33	9	in	in	ADP
ejge-10173	33	10	gvcs	gvcs	NOUN
ejge-10173	33	11	to	to	PART
ejge-10173	33	12	modify	modify	VERB
ejge-10173	33	13	their	their	PRON
ejge-10173	33	14	size	size	NOUN
ejge-10173	33	15	and	and	CCONJ
ejge-10173	33	16	configuration	configuration	NOUN
ejge-10173	33	17	,	,	PUNCT
ejge-10173	33	18	thereby	thereby	ADV
ejge-10173	33	19	facilitating	facilitate	VERB
ejge-10173	33	20	firms	firm	NOUN
ejge-10173	33	21	to	to	PART
ejge-10173	33	22	reduce	reduce	VERB
ejge-10173	33	23	transaction	transaction	NOUN
ejge-10173	33	24	costs	cost	NOUN
ejge-10173	33	25	(	(	PUNCT
ejge-10173	33	26	kano	kano	PROPN
ejge-10173	33	27	et	et	PROPN
ejge-10173	33	28	al	al	PROPN
ejge-10173	33	29	.	.	PROPN
ejge-10173	33	30	,	,	PUNCT
ejge-10173	33	31	2020	2020	NUM
ejge-10173	33	32	)	)	PUNCT
ejge-10173	33	33	.	.	PUNCT
ejge-10173	34	1	with	with	ADP
ejge-10173	34	2	big	big	ADJ
ejge-10173	34	3	data	datum	NOUN
ejge-10173	34	4	,	,	PUNCT
ejge-10173	34	5	cloud	cloud	NOUN
ejge-10173	34	6	technology	technology	NOUN
ejge-10173	34	7	,	,	PUNCT
ejge-10173	34	8	and	and	CCONJ
ejge-10173	34	9	powerful	powerful	ADJ
ejge-10173	34	10	algorithms	algorithm	NOUN
ejge-10173	34	11	,	,	PUNCT
ejge-10173	34	12	gvc	gvc	PROPN
ejge-10173	34	13	relationships	relationship	NOUN
ejge-10173	34	14	and	and	CCONJ
ejge-10173	34	15	work	work	NOUN
ejge-10173	34	16	organization	organization	NOUN
ejge-10173	34	17	have	have	AUX
ejge-10173	34	18	changed	change	VERB
ejge-10173	34	19	.	.	PUNCT
ejge-10173	35	1	(	(	PUNCT
ejge-10173	35	2	le	le	X
ejge-10173	35	3	et	et	PROPN
ejge-10173	35	4	al	al	PROPN
ejge-10173	35	5	.	.	PROPN
ejge-10173	35	6	,	,	PUNCT
ejge-10173	35	7	2021	2021	NUM
ejge-10173	35	8	)	)	PUNCT
ejge-10173	35	9	.	.	PUNCT
ejge-10173	36	1	moreover	moreover	ADV
ejge-10173	36	2	,	,	PUNCT
ejge-10173	36	3	the	the	DET
ejge-10173	36	4	application	application	NOUN
ejge-10173	36	5	of	of	ADP
ejge-10173	36	6	fintech	fintech	NOUN
ejge-10173	36	7	solutions	solution	NOUN
ejge-10173	36	8	is	be	AUX
ejge-10173	36	9	expected	expect	VERB
ejge-10173	36	10	to	to	PART
ejge-10173	36	11	boost	boost	VERB
ejge-10173	36	12	resilience	resilience	NOUN
ejge-10173	36	13	,	,	PUNCT
ejge-10173	36	14	enhance	enhance	VERB
ejge-10173	36	15	transparency	transparency	NOUN
ejge-10173	36	16	,	,	PUNCT
ejge-10173	36	17	and	and	CCONJ
ejge-10173	36	18	foster	foster	ADJ
ejge-10173	36	19	sustainability	sustainability	NOUN
ejge-10173	36	20	in	in	ADP
ejge-10173	36	21	regional	regional	ADJ
ejge-10173	36	22	markets	market	NOUN
ejge-10173	36	23	and	and	CCONJ
ejge-10173	36	24	regional	regional	ADJ
ejge-10173	36	25	value	value	NOUN
ejge-10173	36	26	chains	chain	NOUN
ejge-10173	36	27	.	.	PUNCT
ejge-10173	37	1	in	in	ADP
ejge-10173	37	2	line	line	NOUN
ejge-10173	37	3	with	with	ADP
ejge-10173	37	4	the	the	DET
ejge-10173	37	5	global	global	ADJ
ejge-10173	37	6	dynamics	dynamic	NOUN
ejge-10173	37	7	of	of	ADP
ejge-10173	37	8	gvcs	gvcs	NOUN
ejge-10173	37	9	,	,	PUNCT
ejge-10173	37	10	the	the	DET
ejge-10173	37	11	new	new	ADJ
ejge-10173	37	12	european	european	PROPN
ejge-10173	37	13	union	union	PROPN
ejge-10173	37	14	(	(	PUNCT
ejge-10173	37	15	eu	eu	NOUN
ejge-10173	37	16	)	)	PUNCT
ejge-10173	37	17	regional	regional	ADJ
ejge-10173	37	18	innovation	innovation	NOUN
ejge-10173	37	19	agenda	agenda	NOUN
ejge-10173	37	20	(	(	PUNCT
ejge-10173	37	21	euria	euria	PROPN
ejge-10173	37	22	)	)	PUNCT
ejge-10173	37	23	for	for	ADP
ejge-10173	37	24	the	the	DET
ejge-10173	37	25	western	western	ADJ
ejge-10173	37	26	balkan	balkan	ADJ
ejge-10173	37	27	countries	country	NOUN
ejge-10173	37	28	1aims	1aims	PROPN
ejge-10173	37	29	to	to	PART
ejge-10173	37	30	create	create	VERB
ejge-10173	37	31	regional	regional	ADJ
ejge-10173	37	32	value	value	NOUN
ejge-10173	37	33	chains	chain	NOUN
ejge-10173	37	34	(	(	PUNCT
ejge-10173	37	35	rvcs	rvcs	ADJ
ejge-10173	37	36	)	)	PUNCT
ejge-10173	37	37	within	within	ADP
ejge-10173	37	38	the	the	DET
ejge-10173	37	39	western	western	ADJ
ejge-10173	37	40	balkan	balkan	ADJ
ejge-10173	37	41	identifying	identify	VERB
ejge-10173	37	42	industries	industry	NOUN
ejge-10173	37	43	that	that	PRON
ejge-10173	37	44	can	can	AUX
ejge-10173	37	45	easily	easily	ADV
ejge-10173	37	46	participate	participate	VERB
ejge-10173	37	47	in	in	ADP
ejge-10173	37	48	gvcs	gvcs	NOUN
ejge-10173	37	49	attracting	attract	VERB
ejge-10173	37	50	new	new	ADJ
ejge-10173	37	51	investments	investment	NOUN
ejge-10173	37	52	.	.	PUNCT
ejge-10173	38	1	according	accord	VERB
ejge-10173	38	2	to	to	ADP
ejge-10173	38	3	pasquali	pasquali	PROPN
ejge-10173	38	4	et	et	PROPN
ejge-10173	38	5	al	al	PROPN
ejge-10173	38	6	.	.	PROPN
ejge-10173	39	1	(	(	PUNCT
ejge-10173	39	2	2020	2020	NUM
ejge-10173	39	3	)	)	PUNCT
ejge-10173	39	4	,	,	PUNCT
ejge-10173	39	5	the	the	DET
ejge-10173	39	6	concept	concept	NOUN
ejge-10173	39	7	of	of	ADP
ejge-10173	39	8	regional	regional	ADJ
ejge-10173	39	9	value	value	NOUN
ejge-10173	39	10	chains	chain	NOUN
ejge-10173	39	11	(	(	PUNCT
ejge-10173	39	12	rvcs	rvcs	ADJ
ejge-10173	39	13	)	)	PUNCT
ejge-10173	39	14	refers	refer	VERB
ejge-10173	39	15	to	to	ADP
ejge-10173	39	16	production	production	NOUN
ejge-10173	39	17	and	and	CCONJ
ejge-10173	39	18	consumption	consumption	NOUN
ejge-10173	39	19	networks	network	NOUN
ejge-10173	39	20	that	that	PRON
ejge-10173	39	21	are	be	AUX
ejge-10173	39	22	not	not	PART
ejge-10173	39	23	globally	globally	ADV
ejge-10173	39	24	coordinated	coordinate	VERB
ejge-10173	39	25	,	,	PUNCT
ejge-10173	39	26	but	but	CCONJ
ejge-10173	39	27	rather	rather	ADV
ejge-10173	39	28	within	within	ADP
ejge-10173	39	29	a	a	DET
ejge-10173	39	30	single	single	ADJ
ejge-10173	39	31	global	global	ADJ
ejge-10173	39	32	geographic	geographic	ADJ
ejge-10173	39	33	or	or	CCONJ
ejge-10173	39	34	administrative	administrative	ADJ
ejge-10173	39	35	zone	zone	NOUN
ejge-10173	39	36	.	.	PUNCT
ejge-10173	40	1	rvcs	rvcs	PROPN
ejge-10173	40	2	help	help	VERB
ejge-10173	40	3	local	local	ADJ
ejge-10173	40	4	economies	economy	NOUN
ejge-10173	40	5	participating	participate	VERB
ejge-10173	40	6	in	in	ADP
ejge-10173	40	7	rvcs	rvcs	ADV
ejge-10173	40	8	to	to	PART
ejge-10173	40	9	develop	develop	VERB
ejge-10173	40	10	political	political	ADJ
ejge-10173	40	11	,	,	PUNCT
ejge-10173	40	12	social	social	ADJ
ejge-10173	40	13	,	,	PUNCT
ejge-10173	40	14	and	and	CCONJ
ejge-10173	40	15	strategic	strategic	ADJ
ejge-10173	40	16	relationships	relationship	NOUN
ejge-10173	40	17	.	.	PUNCT
ejge-10173	41	1	this	this	PRON
ejge-10173	41	2	helps	help	VERB
ejge-10173	41	3	the	the	DET
ejge-10173	41	4	region	region	NOUN
ejge-10173	41	5	become	become	VERB
ejge-10173	41	6	more	more	ADV
ejge-10173	41	7	prosperous	prosperous	ADJ
ejge-10173	41	8	and	and	CCONJ
ejge-10173	41	9	grow	grow	VERB
ejge-10173	41	10	sustainably	sustainably	ADV
ejge-10173	41	11	.	.	PUNCT
ejge-10173	42	1	participation	participation	NOUN
ejge-10173	42	2	in	in	ADP
ejge-10173	42	3	rvcs	rvcs	PROPN
ejge-10173	42	4	can	can	AUX
ejge-10173	42	5	create	create	VERB
ejge-10173	42	6	income	income	NOUN
ejge-10173	42	7	and	and	CCONJ
ejge-10173	42	8	work	work	NOUN
ejge-10173	42	9	opportunities	opportunity	NOUN
ejge-10173	42	10	,	,	PUNCT
ejge-10173	42	11	thus	thus	ADV
ejge-10173	42	12	reducing	reduce	VERB
ejge-10173	42	13	poverty	poverty	NOUN
ejge-10173	42	14	.	.	PUNCT
ejge-10173	43	1	it	it	PRON
ejge-10173	43	2	can	can	AUX
ejge-10173	43	3	also	also	ADV
ejge-10173	43	4	reduce	reduce	VERB
ejge-10173	43	5	uneven	uneven	ADJ
ejge-10173	43	6	development	development	NOUN
ejge-10173	43	7	and	and	CCONJ
ejge-10173	43	8	intra	intra	ADJ
ejge-10173	43	9	-	-	ADJ
ejge-10173	43	10	regional	regional	ADJ
ejge-10173	43	11	inequalities	inequality	NOUN
ejge-10173	43	12	(	(	PUNCT
ejge-10173	43	13	kacani	kacani	PROPN
ejge-10173	43	14	&	&	CCONJ
ejge-10173	43	15	shaqiri	shaqiri	PROPN
ejge-10173	43	16	,	,	PUNCT
ejge-10173	43	17	2023	2023	NUM
ejge-10173	43	18	)	)	PUNCT
ejge-10173	43	19	.	.	PUNCT
ejge-10173	44	1	active	active	ADJ
ejge-10173	44	2	participation	participation	NOUN
ejge-10173	44	3	in	in	ADP
ejge-10173	44	4	gvcs	gvcs	NOUN
ejge-10173	44	5	brings	bring	VERB
ejge-10173	44	6	new	new	ADJ
ejge-10173	44	7	perspectives	perspective	NOUN
ejge-10173	44	8	for	for	ADP
ejge-10173	44	9	developing	develop	VERB
ejge-10173	44	10	countries	country	NOUN
ejge-10173	44	11	and	and	CCONJ
ejge-10173	44	12	in	in	ADP
ejge-10173	44	13	this	this	DET
ejge-10173	44	14	case	case	NOUN
ejge-10173	44	15	for	for	ADP
ejge-10173	44	16	western	western	ADJ
ejge-10173	44	17	balkan	balkan	ADJ
ejge-10173	44	18	ones	one	NOUN
ejge-10173	44	19	,	,	PUNCT
ejge-10173	44	20	as	as	SCONJ
ejge-10173	44	21	they	they	PRON
ejge-10173	44	22	are	be	AUX
ejge-10173	44	23	exposed	expose	VERB
ejge-10173	44	24	to	to	ADP
ejge-10173	44	25	new	new	ADJ
ejge-10173	44	26	technologies	technology	NOUN
ejge-10173	44	27	,	,	PUNCT
ejge-10173	44	28	innovations	innovation	NOUN
ejge-10173	44	29	,	,	PUNCT
ejge-10173	44	30	and	and	CCONJ
ejge-10173	44	31	automation	automation	NOUN
ejge-10173	44	32	(	(	PUNCT
ejge-10173	44	33	kacani	kacani	PROPN
ejge-10173	44	34	&	&	CCONJ
ejge-10173	44	35	shaqiri	shaqiri	PROPN
ejge-10173	44	36	,	,	PUNCT
ejge-10173	44	37	2023	2023	NUM
ejge-10173	44	38	)	)	PUNCT
ejge-10173	44	39	.	.	PUNCT
ejge-10173	45	1	given	give	VERB
ejge-10173	45	2	the	the	DET
ejge-10173	45	3	new	new	ADJ
ejge-10173	45	4	landscape	landscape	NOUN
ejge-10173	45	5	in	in	ADP
ejge-10173	45	6	gvcs	gvcs	NOUN
ejge-10173	45	7	,	,	PUNCT
ejge-10173	45	8	this	this	DET
ejge-10173	45	9	paper	paper	NOUN
ejge-10173	45	10	examines	examine	VERB
ejge-10173	45	11	if	if	SCONJ
ejge-10173	45	12	enterprises	enterprise	NOUN
ejge-10173	45	13	in	in	ADP
ejge-10173	45	14	the	the	DET
ejge-10173	45	15	western	western	ADJ
ejge-10173	45	16	balkans	balkan	NOUN
ejge-10173	45	17	that	that	PRON
ejge-10173	45	18	apply	apply	VERB
ejge-10173	45	19	fintech	fintech	NOUN
ejge-10173	45	20	solutions	solution	NOUN
ejge-10173	45	21	in	in	ADP
ejge-10173	45	22	financial	financial	ADJ
ejge-10173	45	23	management	management	NOUN
ejge-10173	45	24	have	have	VERB
ejge-10173	45	25	better	well	ADJ
ejge-10173	45	26	opportunities	opportunity	NOUN
ejge-10173	45	27	to	to	PART
ejge-10173	45	28	create	create	VERB
ejge-10173	45	29	rvcs	rvcs	ADJ
ejge-10173	45	30	than	than	ADP
ejge-10173	45	31	the	the	DET
ejge-10173	45	32	ones	one	NOUN
ejge-10173	45	33	that	that	PRON
ejge-10173	45	34	resist	resist	VERB
ejge-10173	45	35	fintech	fintech	NOUN
ejge-10173	45	36	implementation	implementation	NOUN
ejge-10173	45	37	.	.	PUNCT
ejge-10173	46	1	the	the	DET
ejge-10173	46	2	study	study	NOUN
ejge-10173	46	3	highlights	highlight	NOUN
ejge-10173	46	4	that	that	PRON
ejge-10173	46	5	enterprises	enterprise	VERB
ejge-10173	46	6	1	1	NUM
ejge-10173	46	7	western	western	ADJ
ejge-10173	46	8	balkan	balkan	ADJ
ejge-10173	46	9	countries	country	NOUN
ejge-10173	46	10	include	include	VERB
ejge-10173	46	11	albania	albania	PROPN
ejge-10173	46	12	,	,	PUNCT
ejge-10173	46	13	bosnia	bosnia	PROPN
ejge-10173	46	14	herzegovina	herzegovina	PROPN
ejge-10173	46	15	,	,	PUNCT
ejge-10173	46	16	kosovo	kosovo	PROPN
ejge-10173	46	17	,	,	PUNCT
ejge-10173	46	18	montenegro	montenegro	PROPN
ejge-10173	46	19	,	,	PUNCT
ejge-10173	46	20	north	north	NOUN
ejge-10173	46	21	macedonia	macedonia	PROPN
ejge-10173	46	22	,	,	PUNCT
ejge-10173	46	23	serbia	serbia	PROPN
ejge-10173	46	24	.	.	PUNCT
ejge-10173	47	1	208	208	NUM
ejge-10173	47	2	gentjan	gentjan	NOUN
ejge-10173	47	3	shaquiri	shaquiri	NOUN
ejge-10173	47	4	et	et	PROPN
ejge-10173	47	5	al	al	PROPN
ejge-10173	47	6	.	.	PUNCT
ejge-10173	47	7	applying	apply	VERB
ejge-10173	47	8	fintech	fintech	NOUN
ejge-10173	47	9	solutions	solution	NOUN
ejge-10173	47	10	in	in	ADP
ejge-10173	47	11	their	their	PRON
ejge-10173	47	12	financial	financial	ADJ
ejge-10173	47	13	operations	operation	NOUN
ejge-10173	47	14	have	have	VERB
ejge-10173	47	15	a	a	DET
ejge-10173	47	16	higher	high	ADJ
ejge-10173	47	17	potential	potential	NOUN
ejge-10173	47	18	to	to	PART
ejge-10173	47	19	create	create	VERB
ejge-10173	47	20	regional	regional	ADJ
ejge-10173	47	21	value	value	NOUN
ejge-10173	47	22	chains	chain	NOUN
ejge-10173	47	23	.	.	PUNCT
ejge-10173	48	1	these	these	DET
ejge-10173	48	2	enterprises	enterprise	NOUN
ejge-10173	48	3	are	be	AUX
ejge-10173	48	4	considered	consider	VERB
ejge-10173	48	5	by	by	ADP
ejge-10173	48	6	european	european	ADJ
ejge-10173	48	7	ones	one	NOUN
ejge-10173	48	8	as	as	ADP
ejge-10173	48	9	better	well	ADJ
ejge-10173	48	10	candidates	candidate	NOUN
ejge-10173	48	11	for	for	ADP
ejge-10173	48	12	additional	additional	ADJ
ejge-10173	48	13	investment	investment	NOUN
ejge-10173	48	14	and	and	CCONJ
ejge-10173	48	15	better	well	ADJ
ejge-10173	48	16	integration	integration	NOUN
ejge-10173	48	17	in	in	ADP
ejge-10173	48	18	gvcs	gvcs	NOUN
ejge-10173	48	19	(	(	PUNCT
ejge-10173	48	20	antonucci	antonucci	PROPN
ejge-10173	48	21	et	et	PROPN
ejge-10173	48	22	al	al	PROPN
ejge-10173	48	23	.	.	PROPN
ejge-10173	48	24	,	,	PUNCT
ejge-10173	48	25	2021	2021	NUM
ejge-10173	48	26	)	)	PUNCT
ejge-10173	48	27	.	.	PUNCT
ejge-10173	49	1	this	this	DET
ejge-10173	49	2	research	research	NOUN
ejge-10173	49	3	contribution	contribution	NOUN
ejge-10173	49	4	starts	start	VERB
ejge-10173	49	5	with	with	ADP
ejge-10173	49	6	a	a	DET
ejge-10173	49	7	theoretical	theoretical	ADJ
ejge-10173	49	8	background	background	NOUN
ejge-10173	49	9	followed	follow	VERB
ejge-10173	49	10	by	by	ADP
ejge-10173	49	11	a	a	DET
ejge-10173	49	12	thorough	thorough	ADJ
ejge-10173	49	13	explanation	explanation	NOUN
ejge-10173	49	14	of	of	ADP
ejge-10173	49	15	the	the	DET
ejge-10173	49	16	benchmarking	benchmarke	VERB
ejge-10173	49	17	methodology	methodology	NOUN
ejge-10173	49	18	.	.	PUNCT
ejge-10173	50	1	the	the	DET
ejge-10173	50	2	paper	paper	NOUN
ejge-10173	50	3	continues	continue	VERB
ejge-10173	50	4	by	by	ADP
ejge-10173	50	5	presenting	present	VERB
ejge-10173	50	6	the	the	DET
ejge-10173	50	7	main	main	ADJ
ejge-10173	50	8	results	result	NOUN
ejge-10173	50	9	and	and	CCONJ
ejge-10173	50	10	industry	industry	NOUN
ejge-10173	50	11	trends	trend	NOUN
ejge-10173	50	12	along	along	ADP
ejge-10173	50	13	with	with	ADP
ejge-10173	50	14	conclusions	conclusion	NOUN
ejge-10173	50	15	and	and	CCONJ
ejge-10173	50	16	policy	policy	NOUN
ejge-10173	50	17	recommendations	recommendation	NOUN
ejge-10173	50	18	both	both	CCONJ
ejge-10173	50	19	at	at	ADP
ejge-10173	50	20	an	an	DET
ejge-10173	50	21	industry	industry	NOUN
ejge-10173	50	22	and	and	CCONJ
ejge-10173	50	23	regional	regional	ADJ
ejge-10173	50	24	level	level	NOUN
ejge-10173	50	25	.	.	PUNCT
ejge-10173	51	1	2	2	X
ejge-10173	51	2	.	.	X
ejge-10173	51	3	theoretical	theoretical	ADJ
ejge-10173	51	4	background	background	NOUN
ejge-10173	51	5	the	the	DET
ejge-10173	51	6	rise	rise	NOUN
ejge-10173	51	7	of	of	ADP
ejge-10173	51	8	globalization	globalization	NOUN
ejge-10173	51	9	has	have	AUX
ejge-10173	51	10	made	make	VERB
ejge-10173	51	11	gvcs	gvcs	NOUN
ejge-10173	51	12	even	even	ADV
ejge-10173	51	13	more	more	ADV
ejge-10173	51	14	intricate	intricate	ADJ
ejge-10173	51	15	,	,	PUNCT
ejge-10173	51	16	involving	involve	VERB
ejge-10173	51	17	numerous	numerous	ADJ
ejge-10173	51	18	parties	party	NOUN
ejge-10173	51	19	requiring	require	VERB
ejge-10173	51	20	a	a	DET
ejge-10173	51	21	lot	lot	NOUN
ejge-10173	51	22	of	of	ADP
ejge-10173	51	23	coordination	coordination	NOUN
ejge-10173	51	24	.	.	PUNCT
ejge-10173	52	1	this	this	PRON
ejge-10173	52	2	makes	make	VERB
ejge-10173	52	3	it	it	PRON
ejge-10173	52	4	more	more	ADV
ejge-10173	52	5	expensive	expensive	ADJ
ejge-10173	52	6	to	to	PART
ejge-10173	52	7	run	run	VERB
ejge-10173	52	8	these	these	DET
ejge-10173	52	9	global	global	ADJ
ejge-10173	52	10	networks	network	NOUN
ejge-10173	52	11	and	and	CCONJ
ejge-10173	52	12	move	move	VERB
ejge-10173	52	13	goods	good	NOUN
ejge-10173	52	14	and	and	CCONJ
ejge-10173	52	15	services	service	NOUN
ejge-10173	52	16	between	between	ADP
ejge-10173	52	17	countries	country	NOUN
ejge-10173	52	18	(	(	PUNCT
ejge-10173	52	19	avom	avom	NOUN
ejge-10173	52	20	et	et	PROPN
ejge-10173	52	21	al	al	PROPN
ejge-10173	52	22	.	.	PROPN
ejge-10173	52	23	,	,	PUNCT
ejge-10173	52	24	2021	2021	NUM
ejge-10173	52	25	)	)	PUNCT
ejge-10173	52	26	.	.	PUNCT
ejge-10173	53	1	the	the	DET
ejge-10173	53	2	primary	primary	ADJ
ejge-10173	53	3	advantage	advantage	NOUN
ejge-10173	53	4	of	of	ADP
ejge-10173	53	5	fintech	fintech	NOUN
ejge-10173	53	6	solutions	solution	NOUN
ejge-10173	53	7	is	be	AUX
ejge-10173	53	8	the	the	DET
ejge-10173	53	9	ability	ability	NOUN
ejge-10173	53	10	to	to	PART
ejge-10173	53	11	facilitate	facilitate	VERB
ejge-10173	53	12	the	the	DET
ejge-10173	53	13	introduction	introduction	NOUN
ejge-10173	53	14	of	of	ADP
ejge-10173	53	15	novel	novel	ADJ
ejge-10173	53	16	business	business	NOUN
ejge-10173	53	17	models	model	NOUN
ejge-10173	53	18	.	.	PUNCT
ejge-10173	54	1	in	in	ADP
ejge-10173	54	2	the	the	DET
ejge-10173	54	3	digital	digital	ADJ
ejge-10173	54	4	age	age	NOUN
ejge-10173	54	5	,	,	PUNCT
ejge-10173	54	6	enterprises	enterprise	NOUN
ejge-10173	54	7	need	need	VERB
ejge-10173	54	8	to	to	PART
ejge-10173	54	9	make	make	VERB
ejge-10173	54	10	decisions	decision	NOUN
ejge-10173	54	11	in	in	ADP
ejge-10173	54	12	real	real	ADJ
ejge-10173	54	13	-	-	PUNCT
ejge-10173	54	14	time	time	NOUN
ejge-10173	54	15	to	to	PART
ejge-10173	54	16	stay	stay	VERB
ejge-10173	54	17	competitive	competitive	ADJ
ejge-10173	54	18	,	,	PUNCT
ejge-10173	54	19	by	by	ADP
ejge-10173	54	20	introducing	introduce	VERB
ejge-10173	54	21	new	new	ADJ
ejge-10173	54	22	products	product	NOUN
ejge-10173	54	23	more	more	ADV
ejge-10173	54	24	quickly	quickly	ADV
ejge-10173	54	25	,	,	PUNCT
ejge-10173	54	26	cheaply	cheaply	ADV
ejge-10173	54	27	,	,	PUNCT
ejge-10173	54	28	and	and	CCONJ
ejge-10173	54	29	with	with	ADP
ejge-10173	54	30	better	well	ADJ
ejge-10173	54	31	quality	quality	NOUN
ejge-10173	54	32	(	(	PUNCT
ejge-10173	54	33	juliet	juliet	PROPN
ejge-10173	54	34	et	et	PROPN
ejge-10173	54	35	al	al	PROPN
ejge-10173	54	36	.	.	PROPN
ejge-10173	54	37	,	,	PUNCT
ejge-10173	54	38	2022	2022	NUM
ejge-10173	54	39	)	)	PUNCT
ejge-10173	54	40	.	.	PUNCT
ejge-10173	55	1	implementation	implementation	NOUN
ejge-10173	55	2	of	of	ADP
ejge-10173	55	3	fintech	fintech	NOUN
ejge-10173	55	4	solutions	solution	NOUN
ejge-10173	55	5	has	have	VERB
ejge-10173	55	6	the	the	DET
ejge-10173	55	7	potential	potential	NOUN
ejge-10173	55	8	to	to	PART
ejge-10173	55	9	disrupt	disrupt	VERB
ejge-10173	55	10	global	global	ADJ
ejge-10173	55	11	trade	trade	NOUN
ejge-10173	55	12	by	by	ADP
ejge-10173	55	13	facilitating	facilitate	VERB
ejge-10173	55	14	the	the	DET
ejge-10173	55	15	exchange	exchange	NOUN
ejge-10173	55	16	of	of	ADP
ejge-10173	55	17	real	real	ADJ
ejge-10173	55	18	-	-	PUNCT
ejge-10173	55	19	time	time	NOUN
ejge-10173	55	20	data	datum	NOUN
ejge-10173	55	21	and	and	CCONJ
ejge-10173	55	22	reducing	reduce	VERB
ejge-10173	55	23	the	the	DET
ejge-10173	55	24	expenses	expense	NOUN
ejge-10173	55	25	associated	associate	VERB
ejge-10173	55	26	with	with	ADP
ejge-10173	55	27	delayed	delayed	ADJ
ejge-10173	55	28	information	information	NOUN
ejge-10173	55	29	,	,	PUNCT
ejge-10173	55	30	administrative	administrative	ADJ
ejge-10173	55	31	trade	trade	NOUN
ejge-10173	55	32	frictions	friction	NOUN
ejge-10173	55	33	,	,	PUNCT
ejge-10173	55	34	and	and	CCONJ
ejge-10173	55	35	logistical	logistical	ADJ
ejge-10173	55	36	obstacles	obstacle	NOUN
ejge-10173	55	37	like	like	ADP
ejge-10173	55	38	order	order	NOUN
ejge-10173	55	39	delays	delay	NOUN
ejge-10173	55	40	(	(	PUNCT
ejge-10173	55	41	li	li	PROPN
ejge-10173	55	42	et	et	PROPN
ejge-10173	55	43	al	al	PROPN
ejge-10173	55	44	,	,	PUNCT
ejge-10173	55	45	2019	2019	NUM
ejge-10173	55	46	)	)	PUNCT
ejge-10173	55	47	.	.	PUNCT
ejge-10173	56	1	in	in	ADP
ejge-10173	56	2	the	the	DET
ejge-10173	56	3	literature	literature	NOUN
ejge-10173	56	4	,	,	PUNCT
ejge-10173	56	5	the	the	DET
ejge-10173	56	6	application	application	NOUN
ejge-10173	56	7	of	of	ADP
ejge-10173	56	8	fintech	fintech	NOUN
ejge-10173	56	9	solutions	solution	NOUN
ejge-10173	56	10	stimulates	stimulate	VERB
ejge-10173	56	11	regionalization	regionalization	NOUN
ejge-10173	56	12	that	that	PRON
ejge-10173	56	13	is	be	AUX
ejge-10173	56	14	expected	expect	VERB
ejge-10173	56	15	to	to	PART
ejge-10173	56	16	reduce	reduce	VERB
ejge-10173	56	17	the	the	DET
ejge-10173	56	18	length	length	NOUN
ejge-10173	56	19	of	of	ADP
ejge-10173	56	20	gvcs	gvcs	NOUN
ejge-10173	56	21	,	,	PUNCT
ejge-10173	56	22	concentrating	concentrate	VERB
ejge-10173	56	23	their	their	PRON
ejge-10173	56	24	geographical	geographical	ADJ
ejge-10173	56	25	distribution	distribution	NOUN
ejge-10173	56	26	and	and	CCONJ
ejge-10173	56	27	promoting	promote	VERB
ejge-10173	56	28	exports	export	NOUN
ejge-10173	56	29	of	of	ADP
ejge-10173	56	30	high	high	ADJ
ejge-10173	56	31	-	-	PUNCT
ejge-10173	56	32	value	value	NOUN
ejge-10173	56	33	goods	good	NOUN
ejge-10173	56	34	from	from	ADP
ejge-10173	56	35	regional	regional	ADJ
ejge-10173	56	36	markets	market	NOUN
ejge-10173	56	37	into	into	ADP
ejge-10173	56	38	gvcs	gvcs	NOUN
ejge-10173	56	39	(	(	PUNCT
ejge-10173	56	40	pananond	pananond	NOUN
ejge-10173	56	41	et	et	PROPN
ejge-10173	56	42	al	al	PROPN
ejge-10173	56	43	,	,	PUNCT
ejge-10173	56	44	2020	2020	NUM
ejge-10173	56	45	)	)	PUNCT
ejge-10173	56	46	.	.	PUNCT
ejge-10173	57	1	fintech	fintech	NOUN
ejge-10173	57	2	solutions	solution	NOUN
ejge-10173	57	3	affect	affect	VERB
ejge-10173	57	4	gvcs	gvcs	VERB
ejge-10173	57	5	through	through	ADP
ejge-10173	57	6	cost	cost	NOUN
ejge-10173	57	7	reduction	reduction	NOUN
ejge-10173	57	8	and	and	CCONJ
ejge-10173	57	9	improvement	improvement	NOUN
ejge-10173	57	10	in	in	ADP
ejge-10173	57	11	communication	communication	NOUN
ejge-10173	57	12	efficiency	efficiency	NOUN
ejge-10173	57	13	.	.	PUNCT
ejge-10173	58	1	in	in	ADP
ejge-10173	58	2	particular	particular	ADJ
ejge-10173	58	3	,	,	PUNCT
ejge-10173	58	4	the	the	DET
ejge-10173	58	5	implementation	implementation	NOUN
ejge-10173	58	6	of	of	ADP
ejge-10173	58	7	paperless	paperless	NOUN
ejge-10173	58	8	trade	trade	NOUN
ejge-10173	58	9	practices	practice	NOUN
ejge-10173	58	10	such	such	ADJ
ejge-10173	58	11	as	as	ADP
ejge-10173	58	12	electronic	electronic	ADJ
ejge-10173	58	13	invoices	invoice	NOUN
ejge-10173	58	14	,	,	PUNCT
ejge-10173	58	15	electronic	electronic	ADJ
ejge-10173	58	16	signatures	signature	NOUN
ejge-10173	58	17	,	,	PUNCT
ejge-10173	58	18	pre	pre	ADJ
ejge-10173	58	19	-	-	NOUN
ejge-10173	58	20	clearance	clearance	NOUN
ejge-10173	58	21	of	of	ADP
ejge-10173	58	22	shipments	shipment	NOUN
ejge-10173	58	23	,	,	PUNCT
ejge-10173	58	24	single	single	ADJ
ejge-10173	58	25	windowing	windowing	NOUN
ejge-10173	58	26	,	,	PUNCT
ejge-10173	58	27	and	and	CCONJ
ejge-10173	58	28	the	the	DET
ejge-10173	58	29	utilization	utilization	NOUN
ejge-10173	58	30	of	of	ADP
ejge-10173	58	31	blockchain	blockchain	PROPN
ejge-10173	58	32	ledger	ledger	NOUN
ejge-10173	58	33	technology	technology	NOUN
ejge-10173	58	34	in	in	ADP
ejge-10173	58	35	the	the	DET
ejge-10173	58	36	supply	supply	NOUN
ejge-10173	58	37	chain	chain	NOUN
ejge-10173	58	38	for	for	ADP
ejge-10173	58	39	tax	tax	NOUN
ejge-10173	58	40	or	or	CCONJ
ejge-10173	58	41	border	border	NOUN
ejge-10173	58	42	compliance	compliance	NOUN
ejge-10173	58	43	processes	process	NOUN
ejge-10173	58	44	,	,	PUNCT
ejge-10173	58	45	has	have	AUX
ejge-10173	58	46	reduced	reduce	VERB
ejge-10173	58	47	the	the	DET
ejge-10173	58	48	days	day	NOUN
ejge-10173	58	49	and	and	CCONJ
ejge-10173	58	50	costs	cost	NOUN
ejge-10173	58	51	needed	need	VERB
ejge-10173	58	52	for	for	ADP
ejge-10173	58	53	international	international	ADJ
ejge-10173	58	54	transactions	transaction	NOUN
ejge-10173	58	55	(	(	PUNCT
ejge-10173	58	56	meltzer	meltzer	NOUN
ejge-10173	58	57	,	,	PUNCT
ejge-10173	58	58	2019	2019	NUM
ejge-10173	58	59	)	)	PUNCT
ejge-10173	58	60	.	.	PUNCT
ejge-10173	59	1	additionally	additionally	ADV
ejge-10173	59	2	,	,	PUNCT
ejge-10173	59	3	fintech	fintech	NOUN
ejge-10173	59	4	solutions	solution	NOUN
ejge-10173	59	5	eliminate	eliminate	VERB
ejge-10173	59	6	information	information	NOUN
ejge-10173	59	7	asymmetry	asymmetry	NOUN
ejge-10173	59	8	,	,	PUNCT
ejge-10173	59	9	enhancing	enhance	VERB
ejge-10173	59	10	the	the	DET
ejge-10173	59	11	value	value	NOUN
ejge-10173	59	12	added	add	VERB
ejge-10173	59	13	of	of	ADP
ejge-10173	59	14	exports	export	NOUN
ejge-10173	59	15	and	and	CCONJ
ejge-10173	59	16	promoting	promote	VERB
ejge-10173	59	17	the	the	DET
ejge-10173	59	18	upgrading	upgrading	NOUN
ejge-10173	59	19	of	of	ADP
ejge-10173	59	20	rvcs	rvcs	PROPN
ejge-10173	59	21	into	into	ADP
ejge-10173	59	22	gvcs	gvcs	PROPN
ejge-10173	59	23	(	(	PUNCT
ejge-10173	59	24	feroz	feroz	PROPN
ejge-10173	59	25	et	et	PROPN
ejge-10173	59	26	al	al	PROPN
ejge-10173	59	27	.	.	PROPN
ejge-10173	59	28	,	,	PUNCT
ejge-10173	59	29	2021	2021	NUM
ejge-10173	59	30	)	)	PUNCT
ejge-10173	59	31	.	.	PUNCT
ejge-10173	60	1	the	the	DET
ejge-10173	60	2	significance	significance	NOUN
ejge-10173	60	3	of	of	ADP
ejge-10173	60	4	fintech	fintech	NOUN
ejge-10173	60	5	solutions	solution	NOUN
ejge-10173	60	6	is	be	AUX
ejge-10173	60	7	valid	valid	ADJ
ejge-10173	60	8	for	for	ADP
ejge-10173	60	9	both	both	CCONJ
ejge-10173	60	10	small	small	ADJ
ejge-10173	60	11	and	and	CCONJ
ejge-10173	60	12	large	large	ADJ
ejge-10173	60	13	multinational	multinational	ADJ
ejge-10173	60	14	enterprises	enterprise	NOUN
ejge-10173	60	15	,	,	PUNCT
ejge-10173	60	16	as	as	SCONJ
ejge-10173	60	17	they	they	PRON
ejge-10173	60	18	offer	offer	VERB
ejge-10173	60	19	significant	significant	ADJ
ejge-10173	60	20	advantages	advantage	NOUN
ejge-10173	60	21	in	in	ADP
ejge-10173	60	22	the	the	DET
ejge-10173	60	23	areas	area	NOUN
ejge-10173	60	24	of	of	ADP
ejge-10173	60	25	sales	sale	NOUN
ejge-10173	60	26	,	,	PUNCT
ejge-10173	60	27	payment	payment	NOUN
ejge-10173	60	28	,	,	PUNCT
ejge-10173	60	29	finance	finance	NOUN
ejge-10173	60	30	,	,	PUNCT
ejge-10173	60	31	and	and	CCONJ
ejge-10173	60	32	logistics	logistic	NOUN
ejge-10173	60	33	.	.	PUNCT
ejge-10173	61	1	digitization	digitization	NOUN
ejge-10173	61	2	helps	help	VERB
ejge-10173	61	3	large	large	ADJ
ejge-10173	61	4	enterprises	enterprise	NOUN
ejge-10173	61	5	transport	transport	VERB
ejge-10173	61	6	their	their	PRON
ejge-10173	61	7	goods	good	NOUN
ejge-10173	61	8	faster	fast	ADV
ejge-10173	61	9	across	across	ADP
ejge-10173	61	10	borders	border	NOUN
ejge-10173	61	11	and	and	CCONJ
ejge-10173	61	12	helps	help	VERB
ejge-10173	61	13	small	small	ADJ
ejge-10173	61	14	enterprises	enterprise	NOUN
ejge-10173	61	15	overcome	overcome	VERB
ejge-10173	61	16	problems	problem	NOUN
ejge-10173	61	17	when	when	SCONJ
ejge-10173	61	18	exporting	export	VERB
ejge-10173	61	19	(	(	PUNCT
ejge-10173	61	20	thun	thun	PROPN
ejge-10173	61	21	et	et	PROPN
ejge-10173	61	22	al	al	PROPN
ejge-10173	61	23	.	.	PROPN
ejge-10173	61	24	,	,	PUNCT
ejge-10173	61	25	2021	2021	NUM
ejge-10173	61	26	)	)	PUNCT
ejge-10173	61	27	.	.	PUNCT
ejge-10173	62	1	fintech	fintech	NOUN
ejge-10173	62	2	solutions	solution	NOUN
ejge-10173	62	3	empower	empower	NOUN
ejge-10173	62	4	smes	sme	NOUN
ejge-10173	62	5	to	to	PART
ejge-10173	62	6	transform	transform	VERB
ejge-10173	62	7	their	their	PRON
ejge-10173	62	8	business	business	NOUN
ejge-10173	62	9	models	model	NOUN
ejge-10173	62	10	by	by	ADP
ejge-10173	62	11	interacting	interact	VERB
ejge-10173	62	12	with	with	ADP
ejge-10173	62	13	multi	multi	ADJ
ejge-10173	62	14	-	-	ADJ
ejge-10173	62	15	layered	layered	ADJ
ejge-10173	62	16	digital	digital	ADJ
ejge-10173	62	17	platforms	platform	NOUN
ejge-10173	62	18	and	and	CCONJ
ejge-10173	62	19	by	by	ADP
ejge-10173	62	20	enhancing	enhance	VERB
ejge-10173	62	21	existing	exist	VERB
ejge-10173	62	22	alliances	alliance	NOUN
ejge-10173	62	23	(	(	PUNCT
ejge-10173	62	24	helmerich	helmerich	ADV
ejge-10173	62	25	et	et	PROPN
ejge-10173	62	26	al	al	PROPN
ejge-10173	62	27	.	.	PROPN
ejge-10173	62	28	,	,	PUNCT
ejge-10173	62	29	2021	2021	NUM
ejge-10173	62	30	)	)	PUNCT
ejge-10173	62	31	.	.	PUNCT
ejge-10173	63	1	by	by	ADP
ejge-10173	63	2	working	work	VERB
ejge-10173	63	3	together	together	ADV
ejge-10173	63	4	,	,	PUNCT
ejge-10173	63	5	a	a	DET
ejge-10173	63	6	shared	share	VERB
ejge-10173	63	7	digital	digital	ADJ
ejge-10173	63	8	platform	platform	NOUN
ejge-10173	63	9	among	among	ADP
ejge-10173	63	10	smes	sme	NOUN
ejge-10173	63	11	can	can	AUX
ejge-10173	63	12	also	also	ADV
ejge-10173	63	13	be	be	AUX
ejge-10173	63	14	seen	see	VERB
ejge-10173	63	15	as	as	ADP
ejge-10173	63	16	a	a	DET
ejge-10173	63	17	global	global	ADJ
ejge-10173	63	18	virtual	virtual	ADJ
ejge-10173	63	19	value	value	NOUN
ejge-10173	63	20	chain	chain	NOUN
ejge-10173	63	21	characterized	characterize	VERB
ejge-10173	63	22	by	by	ADP
ejge-10173	63	23	technology	technology	NOUN
ejge-10173	63	24	and	and	CCONJ
ejge-10173	63	25	intangible	intangible	ADJ
ejge-10173	63	26	production	production	NOUN
ejge-10173	63	27	inputs	input	NOUN
ejge-10173	63	28	.	.	PUNCT
ejge-10173	64	1	smes	sme	NOUN
ejge-10173	64	2	can	can	AUX
ejge-10173	64	3	use	use	VERB
ejge-10173	64	4	fintech	fintech	NOUN
ejge-10173	64	5	platforms	platform	NOUN
ejge-10173	64	6	to	to	PART
ejge-10173	64	7	manage	manage	VERB
ejge-10173	64	8	their	their	PRON
ejge-10173	64	9	cash	cash	NOUN
ejge-10173	64	10	flows	flow	NOUN
ejge-10173	64	11	in	in	ADP
ejge-10173	64	12	a	a	DET
ejge-10173	64	13	revolutionary	revolutionary	ADJ
ejge-10173	64	14	way	way	NOUN
ejge-10173	64	15	(	(	PUNCT
ejge-10173	64	16	kan	kan	PROPN
ejge-10173	64	17	et	et	PROPN
ejge-10173	64	18	al	al	PROPN
ejge-10173	64	19	.	.	PROPN
ejge-10173	64	20	,	,	PUNCT
ejge-10173	64	21	2022	2022	NUM
ejge-10173	64	22	)	)	PUNCT
ejge-10173	64	23	.	.	PUNCT
ejge-10173	65	1	artificial	artificial	ADJ
ejge-10173	65	2	intelligence	intelligence	NOUN
ejge-10173	65	3	and	and	CCONJ
ejge-10173	65	4	transactional	transactional	ADJ
ejge-10173	65	5	data	datum	NOUN
ejge-10173	65	6	can	can	AUX
ejge-10173	65	7	be	be	AUX
ejge-10173	65	8	used	use	VERB
ejge-10173	65	9	by	by	ADP
ejge-10173	65	10	smes	sme	NOUN
ejge-10173	65	11	to	to	PART
ejge-10173	65	12	understand	understand	VERB
ejge-10173	65	13	transaction	transaction	NOUN
ejge-10173	65	14	histories	history	NOUN
ejge-10173	65	15	and	and	CCONJ
ejge-10173	65	16	make	make	VERB
ejge-10173	65	17	accurate	accurate	ADJ
ejge-10173	65	18	forecasts	forecast	NOUN
ejge-10173	65	19	of	of	ADP
ejge-10173	65	20	their	their	PRON
ejge-10173	65	21	future	future	ADJ
ejge-10173	65	22	cash	cash	NOUN
ejge-10173	65	23	flows	flow	NOUN
ejge-10173	65	24	.	.	PUNCT
ejge-10173	66	1	smes	sme	NOUN
ejge-10173	66	2	can	can	AUX
ejge-10173	66	3	make	make	VERB
ejge-10173	66	4	more	more	ADV
ejge-10173	66	5	informed	informed	ADJ
ejge-10173	66	6	decisions	decision	NOUN
ejge-10173	66	7	by	by	ADP
ejge-10173	66	8	using	use	VERB
ejge-10173	66	9	this	this	DET
ejge-10173	66	10	data	data	NOUN
ejge-10173	66	11	-	-	PUNCT
ejge-10173	66	12	driven	drive	VERB
ejge-10173	66	13	approach	approach	NOUN
ejge-10173	66	14	to	to	PART
ejge-10173	66	15	optimize	optimize	VERB
ejge-10173	66	16	their	their	PRON
ejge-10173	66	17	working	work	VERB
ejge-10173	66	18	capital	capital	NOUN
ejge-10173	66	19	and	and	CCONJ
ejge-10173	66	20	mitigate	mitigate	VERB
ejge-10173	66	21	their	their	PRON
ejge-10173	66	22	risk	risk	NOUN
ejge-10173	66	23	of	of	ADP
ejge-10173	66	24	insolvency	insolvency	NOUN
ejge-10173	66	25	.	.	PUNCT
ejge-10173	67	1	for	for	ADP
ejge-10173	67	2	example	example	NOUN
ejge-10173	67	3	,	,	PUNCT
ejge-10173	67	4	fintech	fintech	NOUN
ejge-10173	67	5	platforms	platform	NOUN
ejge-10173	67	6	offer	offer	VERB
ejge-10173	67	7	new	new	ADJ
ejge-10173	67	8	pathways	pathway	NOUN
ejge-10173	67	9	for	for	ADP
ejge-10173	67	10	sme	sme	NOUN
ejge-10173	67	11	suppliers	supplier	NOUN
ejge-10173	67	12	to	to	PART
ejge-10173	67	13	access	access	VERB
ejge-10173	67	14	funds	fund	NOUN
ejge-10173	67	15	(	(	PUNCT
ejge-10173	67	16	lee	lee	PROPN
ejge-10173	67	17	&	&	CCONJ
ejge-10173	67	18	falahat	falahat	PROPN
ejge-10173	67	19	,	,	PUNCT
ejge-10173	67	20	2019	2019	NUM
ejge-10173	67	21	)	)	PUNCT
ejge-10173	67	22	.	.	PUNCT
ejge-10173	68	1	by	by	ADP
ejge-10173	68	2	digitizing	digitize	VERB
ejge-10173	68	3	assets	asset	NOUN
ejge-10173	68	4	and	and	CCONJ
ejge-10173	68	5	utilizing	utilize	VERB
ejge-10173	68	6	unlocking	unlock	VERB
ejge-10173	68	7	regional	regional	ADJ
ejge-10173	68	8	value	value	NOUN
ejge-10173	68	9	chains	chain	NOUN
ejge-10173	68	10	technology	technology	NOUN
ejge-10173	68	11	,	,	PUNCT
ejge-10173	68	12	small	small	ADJ
ejge-10173	68	13	-	-	PUNCT
ejge-10173	68	14	scale	scale	NOUN
ejge-10173	68	15	suppliers	supplier	NOUN
ejge-10173	68	16	can	can	AUX
ejge-10173	68	17	improve	improve	VERB
ejge-10173	68	18	liquidity	liquidity	NOUN
ejge-10173	68	19	and	and	CCONJ
ejge-10173	68	20	reduce	reduce	VERB
ejge-10173	68	21	their	their	PRON
ejge-10173	68	22	financing	financing	NOUN
ejge-10173	68	23	costs	cost	NOUN
ejge-10173	68	24	(	(	PUNCT
ejge-10173	68	25	liu	liu	PROPN
ejge-10173	68	26	et	et	PROPN
ejge-10173	68	27	al	al	PROPN
ejge-10173	68	28	.	.	PROPN
ejge-10173	68	29	,	,	PUNCT
ejge-10173	68	30	2021	2021	NUM
ejge-10173	68	31	)	)	PUNCT
ejge-10173	68	32	.	.	PUNCT
ejge-10173	69	1	by	by	ADP
ejge-10173	69	2	enhancing	enhance	VERB
ejge-10173	69	3	the	the	DET
ejge-10173	69	4	resilience	resilience	NOUN
ejge-10173	69	5	of	of	ADP
ejge-10173	69	6	smes	sme	NOUN
ejge-10173	69	7	,	,	PUNCT
ejge-10173	69	8	these	these	DET
ejge-10173	69	9	platforms	platform	NOUN
ejge-10173	69	10	can	can	AUX
ejge-10173	69	11	aid	aid	VERB
ejge-10173	69	12	in	in	ADP
ejge-10173	69	13	enhancing	enhance	VERB
ejge-10173	69	14	the	the	DET
ejge-10173	69	15	resilience	resilience	NOUN
ejge-10173	69	16	of	of	ADP
ejge-10173	69	17	the	the	DET
ejge-10173	69	18	entire	entire	ADJ
ejge-10173	69	19	value	value	NOUN
ejge-10173	69	20	chain	chain	NOUN
ejge-10173	69	21	.	.	PUNCT
ejge-10173	70	1	the	the	DET
ejge-10173	70	2	digital	digital	ADJ
ejge-10173	70	3	payment	payment	NOUN
ejge-10173	70	4	landscape	landscape	NOUN
ejge-10173	70	5	has	have	AUX
ejge-10173	70	6	changed	change	VERB
ejge-10173	70	7	thanks	thank	NOUN
ejge-10173	70	8	to	to	ADP
ejge-10173	70	9	fintech	fintech	NOUN
ejge-10173	70	10	companies	company	NOUN
ejge-10173	70	11	like	like	ADP
ejge-10173	70	12	paypal	paypal	NOUN
ejge-10173	70	13	,	,	PUNCT
ejge-10173	70	14	payneer	payneer	NOUN
ejge-10173	70	15	,	,	PUNCT
ejge-10173	70	16	apple	apple	NOUN
ejge-10173	70	17	pay	pay	NOUN
ejge-10173	70	18	,	,	PUNCT
ejge-10173	70	19	and	and	CCONJ
ejge-10173	70	20	google	google	PROPN
ejge-10173	70	21	pay	pay	NOUN
ejge-10173	70	22	(	(	PUNCT
ejge-10173	70	23	qi	qi	PROPN
ejge-10173	70	24	&	&	CCONJ
ejge-10173	70	25	ren	ren	PROPN
ejge-10173	70	26	,	,	PUNCT
ejge-10173	70	27	2021	2021	NUM
ejge-10173	70	28	)	)	PUNCT
ejge-10173	70	29	.	.	PUNCT
ejge-10173	71	1	nowadays	nowadays	ADV
ejge-10173	71	2	,	,	PUNCT
ejge-10173	71	3	smes	sme	NOUN
ejge-10173	71	4	can	can	AUX
ejge-10173	71	5	digitalize	digitalize	VERB
ejge-10173	71	6	their	their	PRON
ejge-10173	71	7	assets	asset	NOUN
ejge-10173	71	8	through	through	ADP
ejge-10173	71	9	the	the	DET
ejge-10173	71	10	utilization	utilization	NOUN
ejge-10173	71	11	of	of	ADP
ejge-10173	71	12	fintech	fintech	NOUN
ejge-10173	71	13	platforms	platform	NOUN
ejge-10173	71	14	.	.	PUNCT
ejge-10173	72	1	in	in	ADP
ejge-10173	72	2	addition	addition	NOUN
ejge-10173	72	3	,	,	PUNCT
ejge-10173	72	4	the	the	DET
ejge-10173	72	5	emergence	emergence	NOUN
ejge-10173	72	6	of	of	ADP
ejge-10173	72	7	fintech	fintech	NOUN
ejge-10173	72	8	platforms	platform	NOUN
ejge-10173	72	9	provides	provide	VERB
ejge-10173	72	10	substantial	substantial	ADJ
ejge-10173	72	11	incentives	incentive	NOUN
ejge-10173	72	12	for	for	ADP
ejge-10173	72	13	the	the	DET
ejge-10173	72	14	procurement	procurement	NOUN
ejge-10173	72	15	and	and	CCONJ
ejge-10173	72	16	distribution	distribution	NOUN
ejge-10173	72	17	of	of	ADP
ejge-10173	72	18	goods	good	NOUN
ejge-10173	72	19	produced	produce	VERB
ejge-10173	72	20	in	in	ADP
ejge-10173	72	21	gvcs	gvcs	NOUN
ejge-10173	72	22	.	.	PUNCT
ejge-10173	73	1	the	the	DET
ejge-10173	73	2	availability	availability	NOUN
ejge-10173	73	3	of	of	ADP
ejge-10173	73	4	cloud	cloud	NOUN
ejge-10173	73	5	-	-	PUNCT
ejge-10173	73	6	based	base	VERB
ejge-10173	73	7	information	information	NOUN
ejge-10173	73	8	,	,	PUNCT
ejge-10173	73	9	data	data	VERB
ejge-10173	73	10	analysis	analysis	NOUN
ejge-10173	73	11	software	software	NOUN
ejge-10173	73	12	applications	application	NOUN
ejge-10173	73	13	,	,	PUNCT
ejge-10173	73	14	and	and	CCONJ
ejge-10173	73	15	related	related	ADJ
ejge-10173	73	16	information	information	NOUN
ejge-10173	73	17	"	"	PUNCT
ejge-10173	73	18	dashboards	dashboard	NOUN
ejge-10173	73	19	"	"	PUNCT
ejge-10173	73	20	enhances	enhance	VERB
ejge-10173	73	21	the	the	DET
ejge-10173	73	22	visibility	visibility	NOUN
ejge-10173	73	23	of	of	ADP
ejge-10173	73	24	the	the	DET
ejge-10173	73	25	value	value	NOUN
ejge-10173	73	26	chain	chain	NOUN
ejge-10173	73	27	to	to	PART
ejge-10173	73	28	enable	enable	VERB
ejge-10173	73	29	real	real	ADJ
ejge-10173	73	30	-	-	PUNCT
ejge-10173	73	31	time	time	NOUN
ejge-10173	73	32	tracking	tracking	NOUN
ejge-10173	73	33	and	and	CCONJ
ejge-10173	73	34	rapid	rapid	ADJ
ejge-10173	73	35	allocation	allocation	NOUN
ejge-10173	73	36	of	of	ADP
ejge-10173	73	37	resources	resource	NOUN
ejge-10173	73	38	to	to	PART
ejge-10173	73	39	meet	meet	VERB
ejge-10173	73	40	customer	customer	NOUN
ejge-10173	73	41	demands	demand	NOUN
ejge-10173	73	42	.	.	PUNCT
ejge-10173	74	1	at	at	ADP
ejge-10173	74	2	the	the	DET
ejge-10173	74	3	same	same	ADJ
ejge-10173	74	4	time	time	NOUN
ejge-10173	74	5	,	,	PUNCT
ejge-10173	74	6	these	these	DET
ejge-10173	74	7	aspects	aspect	NOUN
ejge-10173	74	8	also	also	ADV
ejge-10173	74	9	help	help	VERB
ejge-10173	74	10	deliver	deliver	VERB
ejge-10173	74	11	service	service	NOUN
ejge-10173	74	12	and	and	CCONJ
ejge-10173	74	13	provide	provide	VERB
ejge-10173	74	14	customer	customer	NOUN
ejge-10173	74	15	care	care	NOUN
ejge-10173	74	16	(	(	PUNCT
ejge-10173	74	17	niemand	niemand	NOUN
ejge-10173	74	18	et	et	NOUN
ejge-10173	74	19	al	al	PROPN
ejge-10173	74	20	.	.	PROPN
ejge-10173	74	21	,	,	PUNCT
ejge-10173	74	22	2021	2021	NUM
ejge-10173	74	23	)	)	PUNCT
ejge-10173	74	24	.	.	PUNCT
ejge-10173	75	1	to	to	PART
ejge-10173	75	2	continue	continue	VERB
ejge-10173	75	3	,	,	PUNCT
ejge-10173	75	4	the	the	DET
ejge-10173	75	5	western	western	ADJ
ejge-10173	75	6	balkan	balkan	ADJ
ejge-10173	75	7	region	region	NOUN
ejge-10173	75	8	has	have	AUX
ejge-10173	75	9	recently	recently	ADV
ejge-10173	75	10	witnessed	witness	VERB
ejge-10173	75	11	a	a	DET
ejge-10173	75	12	surge	surge	NOUN
ejge-10173	75	13	in	in	ADP
ejge-10173	75	14	the	the	DET
ejge-10173	75	15	utilization	utilization	NOUN
ejge-10173	75	16	of	of	ADP
ejge-10173	75	17	fintech	fintech	NOUN
ejge-10173	75	18	services	service	NOUN
ejge-10173	75	19	.	.	PUNCT
ejge-10173	76	1	in	in	ADP
ejge-10173	76	2	the	the	DET
ejge-10173	76	3	region	region	NOUN
ejge-10173	76	4	,	,	PUNCT
ejge-10173	76	5	the	the	DET
ejge-10173	76	6	online	online	ADJ
ejge-10173	76	7	banking	banking	NOUN
ejge-10173	76	8	system	system	NOUN
ejge-10173	76	9	was	be	AUX
ejge-10173	76	10	used	use	VERB
ejge-10173	76	11	by	by	ADP
ejge-10173	76	12	8	8	NUM
ejge-10173	76	13	%	%	NOUN
ejge-10173	76	14	of	of	ADP
ejge-10173	76	15	account	account	NOUN
ejge-10173	76	16	holders	holder	NOUN
ejge-10173	76	17	com	com	NOUN
ejge-10173	76	18	,	,	PUNCT
ejge-10173	76	19	compared	compare	VERB
ejge-10173	76	20	to	to	ADP
ejge-10173	76	21	58	58	NUM
ejge-10173	76	22	%	%	NOUN
ejge-10173	76	23	in	in	ADP
ejge-10173	76	24	the	the	DET
ejge-10173	76	25	eu	eu	PROPN
ejge-10173	76	26	.	.	PUNCT
ejge-10173	76	27	e	e	X
ejge-10173	76	28	-	-	NOUN
ejge-10173	76	29	commerce	commerce	NOUN
ejge-10173	76	30	is	be	AUX
ejge-10173	76	31	still	still	ADV
ejge-10173	76	32	not	not	PART
ejge-10173	76	33	widely	widely	ADV
ejge-10173	76	34	used	use	VERB
ejge-10173	76	35	in	in	ADP
ejge-10173	76	36	the	the	DET
ejge-10173	76	37	region	region	NOUN
ejge-10173	76	38	,	,	PUNCT
ejge-10173	76	39	but	but	CCONJ
ejge-10173	76	40	it	it	PRON
ejge-10173	76	41	is	be	AUX
ejge-10173	76	42	more	more	ADV
ejge-10173	76	43	common	common	ADJ
ejge-10173	76	44	than	than	ADP
ejge-10173	76	45	in	in	ADP
ejge-10173	76	46	other	other	ADJ
ejge-10173	76	47	countries	country	NOUN
ejge-10173	76	48	that	that	PRON
ejge-10173	76	49	recently	recently	ADV
ejge-10173	76	50	joined	join	VERB
ejge-10173	76	51	the	the	DET
ejge-10173	76	52	eu	eu	PROPN
ejge-10173	76	53	(	(	PUNCT
ejge-10173	76	54	gruber	gruber	PROPN
ejge-10173	76	55	,	,	PUNCT
ejge-10173	76	56	2019	2019	NUM
ejge-10173	76	57	)	)	PUNCT
ejge-10173	76	58	.	.	PUNCT
ejge-10173	77	1	this	this	DET
ejge-10173	77	2	trend	trend	NOUN
ejge-10173	77	3	is	be	AUX
ejge-10173	77	4	also	also	ADV
ejge-10173	77	5	identified	identify	VERB
ejge-10173	77	6	in	in	ADP
ejge-10173	77	7	demirgüç	demirgüç	PROPN
ejge-10173	77	8	-	-	PUNCT
ejge-10173	77	9	kunt	kunt	PROPN
ejge-10173	77	10	et	et	PROPN
ejge-10173	77	11	al	al	PROPN
ejge-10173	77	12	.	.	PROPN
ejge-10173	78	1	(	(	PUNCT
ejge-10173	78	2	2022	2022	NUM
ejge-10173	78	3	)	)	PUNCT
ejge-10173	78	4	,	,	PUNCT
ejge-10173	78	5	with	with	ADP
ejge-10173	78	6	specific	specific	ADJ
ejge-10173	78	7	indicators	indicator	NOUN
ejge-10173	78	8	presented	present	VERB
ejge-10173	78	9	in	in	ADP
ejge-10173	78	10	table	table	NOUN
ejge-10173	78	11	1	1	NUM
ejge-10173	78	12	.	.	PUNCT
ejge-10173	78	13	table	table	NOUN
ejge-10173	78	14	1	1	NUM
ejge-10173	78	15	.	.	PUNCT
ejge-10173	78	16	data	datum	NOUN
ejge-10173	78	17	on	on	ADP
ejge-10173	78	18	the	the	DET
ejge-10173	78	19	western	western	ADJ
ejge-10173	78	20	balkans	balkans	PROPN
ejge-10173	78	21	country	country	NOUN
ejge-10173	78	22	used	use	VERB
ejge-10173	78	23	a	a	DET
ejge-10173	78	24	mobile	mobile	ADJ
ejge-10173	78	25	phone	phone	NOUN
ejge-10173	78	26	or	or	CCONJ
ejge-10173	78	27	the	the	DET
ejge-10173	78	28	internet	internet	NOUN
ejge-10173	78	29	to	to	PART
ejge-10173	78	30	check	check	VERB
ejge-10173	78	31	account	account	NOUN
ejge-10173	78	32	balance	balance	NOUN
ejge-10173	78	33	(	(	PUNCT
ejge-10173	78	34	%	%	INTJ
ejge-10173	78	35	age	age	NOUN
ejge-10173	78	36	15	15	NUM
ejge-10173	78	37	+	+	NOUN
ejge-10173	78	38	)	)	PUNCT
ejge-10173	78	39	use	use	VERB
ejge-10173	78	40	a	a	DET
ejge-10173	78	41	mobile	mobile	ADJ
ejge-10173	78	42	phone	phone	NOUN
ejge-10173	78	43	or	or	CCONJ
ejge-10173	78	44	the	the	DET
ejge-10173	78	45	internet	internet	NOUN
ejge-10173	78	46	to	to	PART
ejge-10173	78	47	make	make	VERB
ejge-10173	78	48	payments	payment	NOUN
ejge-10173	78	49	,	,	PUNCT
ejge-10173	78	50	buy	buy	VERB
ejge-10173	78	51	things	thing	NOUN
ejge-10173	78	52	,	,	PUNCT
ejge-10173	78	53	or	or	CCONJ
ejge-10173	78	54	send	send	VERB
ejge-10173	78	55	or	or	CCONJ
ejge-10173	78	56	receive	receive	VERB
ejge-10173	78	57	money	money	NOUN
ejge-10173	78	58	using	use	VERB
ejge-10173	78	59	a	a	DET
ejge-10173	78	60	financial	financial	ADJ
ejge-10173	78	61	institution	institution	NOUN
ejge-10173	78	62	account	account	NOUN
ejge-10173	78	63	(	(	PUNCT
ejge-10173	78	64	%	%	INTJ
ejge-10173	78	65	age	age	NOUN
ejge-10173	78	66	15	15	NUM
ejge-10173	78	67	+	+	NOUN
ejge-10173	78	68	)	)	PUNCT
ejge-10173	78	69	store	store	NOUN
ejge-10173	78	70	money	money	NOUN
ejge-10173	78	71	using	use	VERB
ejge-10173	78	72	a	a	DET
ejge-10173	78	73	financial	financial	ADJ
ejge-10173	78	74	institution	institution	NOUN
ejge-10173	78	75	or	or	CCONJ
ejge-10173	78	76	a	a	DET
ejge-10173	78	77	mobile	mobile	ADJ
ejge-10173	78	78	money	money	NOUN
ejge-10173	78	79	account	account	NOUN
ejge-10173	78	80	(	(	PUNCT
ejge-10173	78	81	%	%	INTJ
ejge-10173	78	82	age	age	NOUN
ejge-10173	78	83	15	15	NUM
ejge-10173	78	84	+	+	NOUN
ejge-10173	78	85	)	)	PUNCT
ejge-10173	78	86	has	have	VERB
ejge-10173	78	87	access	access	NOUN
ejge-10173	78	88	to	to	ADP
ejge-10173	78	89	the	the	DET
ejge-10173	78	90	internet	internet	NOUN
ejge-10173	78	91	(	(	PUNCT
ejge-10173	78	92	%	%	INTJ
ejge-10173	78	93	age	age	NOUN
ejge-10173	78	94	15	15	NUM
ejge-10173	78	95	+	+	NOUN
ejge-10173	78	96	)	)	PUNCT
ejge-10173	78	97	made	make	VERB
ejge-10173	78	98	or	or	CCONJ
ejge-10173	78	99	received	receive	VERB
ejge-10173	78	100	a	a	DET
ejge-10173	78	101	digital	digital	ADJ
ejge-10173	78	102	payment	payment	NOUN
ejge-10173	78	103	(	(	PUNCT
ejge-10173	78	104	%	%	NOUN
ejge-10173	78	105	age	age	NOUN
ejge-10173	78	106	15	15	NUM
ejge-10173	78	107	+	+	NOUN
ejge-10173	78	108	)	)	PUNCT
ejge-10173	78	109	used	use	VERB
ejge-10173	78	110	a	a	DET
ejge-10173	78	111	mobile	mobile	ADJ
ejge-10173	78	112	phone	phone	NOUN
ejge-10173	78	113	or	or	CCONJ
ejge-10173	78	114	the	the	DET
ejge-10173	78	115	internet	internet	NOUN
ejge-10173	78	116	to	to	PART
ejge-10173	78	117	buy	buy	VERB
ejge-10173	78	118	something	something	PRON
ejge-10173	78	119	online	online	ADV
ejge-10173	78	120	(	(	PUNCT
ejge-10173	78	121	%	%	INTJ
ejge-10173	78	122	age	age	NOUN
ejge-10173	78	123	15	15	NUM
ejge-10173	78	124	+	+	NOUN
ejge-10173	78	125	)	)	PUNCT
ejge-10173	78	126	used	use	VERB
ejge-10173	78	127	a	a	DET
ejge-10173	78	128	mobile	mobile	ADJ
ejge-10173	78	129	phone	phone	NOUN
ejge-10173	78	130	or	or	CCONJ
ejge-10173	78	131	the	the	DET
ejge-10173	78	132	internet	internet	NOUN
ejge-10173	78	133	to	to	PART
ejge-10173	78	134	pay	pay	VERB
ejge-10173	78	135	bills	bill	NOUN
ejge-10173	78	136	(	(	PUNCT
ejge-10173	78	137	%	%	INTJ
ejge-10173	78	138	age	age	NOUN
ejge-10173	78	139	15	15	NUM
ejge-10173	79	1	+	+	NOUN
ejge-10173	79	2	)	)	PUNCT
ejge-10173	79	3	albania	albania	NOUN
ejge-10173	79	4	13	13	NUM
ejge-10173	79	5	%	%	NOUN
ejge-10173	79	6	8	8	NUM
ejge-10173	79	7	%	%	NOUN
ejge-10173	79	8	25	25	NUM
ejge-10173	79	9	%	%	NOUN
ejge-10173	79	10	78	78	NUM
ejge-10173	79	11	%	%	NOUN
ejge-10173	79	12	35	35	NUM
ejge-10173	79	13	%	%	NOUN
ejge-10173	79	14	17	17	NUM
ejge-10173	79	15	%	%	NOUN
ejge-10173	79	16	5	5	NUM
ejge-10173	79	17	%	%	NOUN
ejge-10173	79	18	bosnia	bosnia	PROPN
ejge-10173	79	19	and	and	CCONJ
ejge-10173	79	20	herzegovina	herzegovina	PROPN
ejge-10173	79	21	35	35	NUM
ejge-10173	79	22	%	%	NOUN
ejge-10173	79	23	18	18	NUM
ejge-10173	79	24	%	%	NOUN
ejge-10173	79	25	48	48	NUM
ejge-10173	79	26	%	%	NOUN
ejge-10173	79	27	92	92	NUM
ejge-10173	79	28	%	%	NOUN
ejge-10173	79	29	67	67	NUM
ejge-10173	79	30	%	%	NOUN
ejge-10173	79	31	31	31	NUM
ejge-10173	79	32	%	%	NOUN
ejge-10173	79	33	13	13	NUM
ejge-10173	79	34	%	%	NOUN
ejge-10173	79	35	kosovo	kosovo	PROPN
ejge-10173	79	36	14	14	NUM
ejge-10173	79	37	%	%	NOUN
ejge-10173	79	38	10	10	NUM
ejge-10173	79	39	%	%	NOUN
ejge-10173	79	40	31	31	NUM
ejge-10173	79	41	%	%	NOUN
ejge-10173	79	42	93	93	NUM
ejge-10173	79	43	%	%	NOUN
ejge-10173	79	44	48	48	NUM
ejge-10173	79	45	%	%	NOUN
ejge-10173	79	46	29	29	NUM
ejge-10173	79	47	%	%	NOUN
ejge-10173	79	48	10	10	NUM
ejge-10173	79	49	%	%	NOUN
ejge-10173	79	50	montenegro	montenegro	NOUN
ejge-10173	79	51	39	39	NUM
ejge-10173	79	52	%	%	NOUN
ejge-10173	79	53	23	23	NUM
ejge-10173	79	54	%	%	NOUN
ejge-10173	79	55	n.a	n.a	PROPN
ejge-10173	79	56	n.a	n.a	PROPN
ejge-10173	79	57	60	60	NUM
ejge-10173	79	58	%	%	NOUN
ejge-10173	79	59	13	13	NUM
ejge-10173	79	60	%	%	NOUN
ejge-10173	79	61	7	7	NUM
ejge-10173	79	62	%	%	NOUN
ejge-10173	79	63	north	north	NOUN
ejge-10173	79	64	macedonia	macedonia	PROPN
ejge-10173	79	65	37	37	NUM
ejge-10173	79	66	%	%	NOUN
ejge-10173	79	67	30	30	NUM
ejge-10173	79	68	%	%	NOUN
ejge-10173	79	69	43	43	NUM
ejge-10173	79	70	%	%	NOUN
ejge-10173	79	71	88	88	NUM
ejge-10173	79	72	%	%	NOUN
ejge-10173	79	73	74	74	NUM
ejge-10173	79	74	%	%	NOUN
ejge-10173	79	75	31	31	NUM
ejge-10173	79	76	%	%	NOUN
ejge-10173	79	77	28	28	NUM
ejge-10173	79	78	%	%	NOUN
ejge-10173	79	79	serbia	serbia	NOUN
ejge-10173	79	80	41	41	NUM
ejge-10173	79	81	%	%	NOUN
ejge-10173	79	82	28	28	NUM
ejge-10173	79	83	%	%	NOUN
ejge-10173	79	84	48	48	NUM
ejge-10173	79	85	%	%	NOUN
ejge-10173	79	86	84	84	NUM
ejge-10173	79	87	%	%	NOUN
ejge-10173	79	88	87	87	NUM
ejge-10173	79	89	%	%	NOUN
ejge-10173	79	90	33	33	NUM
ejge-10173	79	91	%	%	NOUN
ejge-10173	79	92	27	27	NUM
ejge-10173	79	93	%	%	NOUN
ejge-10173	79	94	source	source	NOUN
ejge-10173	79	95	:	:	PUNCT
ejge-10173	79	96	demirgüç	demirgüç	PROPN
ejge-10173	79	97	-	-	PUNCT
ejge-10173	79	98	kunt	kunt	PROPN
ejge-10173	79	99	et	et	PROPN
ejge-10173	79	100	al	al	PROPN
ejge-10173	79	101	.	.	PROPN
ejge-10173	80	1	(	(	PUNCT
ejge-10173	80	2	2022	2022	NUM
ejge-10173	80	3	)	)	PUNCT
ejge-10173	80	4	the	the	DET
ejge-10173	80	5	western	western	ADJ
ejge-10173	80	6	balkan	balkan	ADJ
ejge-10173	80	7	countries	country	NOUN
ejge-10173	80	8	are	be	AUX
ejge-10173	80	9	well	well	ADV
ejge-10173	80	10	-	-	PUNCT
ejge-10173	80	11	known	know	VERB
ejge-10173	80	12	for	for	ADP
ejge-10173	80	13	their	their	PRON
ejge-10173	80	14	troubled	troubled	ADJ
ejge-10173	80	15	past	past	NOUN
ejge-10173	80	16	and	and	CCONJ
ejge-10173	80	17	unstable	unstable	ADJ
ejge-10173	80	18	politics	politic	NOUN
ejge-10173	80	19	.	.	PUNCT
ejge-10173	81	1	however	however	ADV
ejge-10173	81	2	,	,	PUNCT
ejge-10173	81	3	they	they	PRON
ejge-10173	81	4	have	have	AUX
ejge-10173	81	5	been	be	AUX
ejge-10173	81	6	making	make	VERB
ejge-10173	81	7	significant	significant	ADJ
ejge-10173	81	8	progress	progress	NOUN
ejge-10173	81	9	in	in	ADP
ejge-10173	81	10	embracing	embrace	VERB
ejge-10173	81	11	information	information	NOUN
ejge-10173	81	12	and	and	CCONJ
ejge-10173	81	13	communication	communication	NOUN
ejge-10173	81	14	technologies	technology	NOUN
ejge-10173	81	15	(	(	PUNCT
ejge-10173	81	16	ict	ict	PROPN
ejge-10173	81	17	)	)	PUNCT
ejge-10173	81	18	for	for	ADP
ejge-10173	81	19	the	the	DET
ejge-10173	81	20	past	past	ADJ
ejge-10173	81	21	decade	decade	NOUN
ejge-10173	81	22	(	(	PUNCT
ejge-10173	81	23	nguyen	nguyen	NOUN
ejge-10173	81	24	et	et	PROPN
ejge-10173	81	25	al	al	PROPN
ejge-10173	81	26	.	.	PROPN
ejge-10173	81	27	,	,	PUNCT
ejge-10173	81	28	2020	2020	NUM
ejge-10173	81	29	)	)	PUNCT
ejge-10173	81	30	.	.	PUNCT
ejge-10173	82	1	their	their	PRON
ejge-10173	82	2	growing	grow	VERB
ejge-10173	82	3	ict	ict	NOUN
ejge-10173	82	4	sector	sector	NOUN
ejge-10173	82	5	is	be	AUX
ejge-10173	82	6	trying	try	VERB
ejge-10173	82	7	to	to	PART
ejge-10173	82	8	get	get	VERB
ejge-10173	82	9	attention	attention	NOUN
ejge-10173	82	10	from	from	ADP
ejge-10173	82	11	investors	investor	NOUN
ejge-10173	82	12	and	and	CCONJ
ejge-10173	82	13	global	global	ADJ
ejge-10173	82	14	tech	tech	NOUN
ejge-10173	82	15	enterprises	enterprise	NOUN
ejge-10173	82	16	.	.	PUNCT
ejge-10173	83	1	the	the	DET
ejge-10173	83	2	western	western	ADJ
ejge-10173	83	3	balkan	balkan	ADJ
ejge-10173	83	4	countries	country	NOUN
ejge-10173	83	5	are	be	AUX
ejge-10173	83	6	well210	well210	PROPN
ejge-10173	83	7	gentjan	gentjan	NOUN
ejge-10173	83	8	shaquiri	shaquiri	PROPN
ejge-10173	83	9	et	et	PROPN
ejge-10173	83	10	al	al	PROPN
ejge-10173	83	11	.	.	PROPN
ejge-10173	84	1	positioned	position	VERB
ejge-10173	84	2	for	for	ADP
ejge-10173	84	3	a	a	DET
ejge-10173	84	4	promising	promising	ADJ
ejge-10173	84	5	future	future	NOUN
ejge-10173	84	6	because	because	SCONJ
ejge-10173	84	7	of	of	ADP
ejge-10173	84	8	a	a	DET
ejge-10173	84	9	surge	surge	NOUN
ejge-10173	84	10	in	in	ADP
ejge-10173	84	11	the	the	DET
ejge-10173	84	12	region	region	NOUN
ejge-10173	84	13	's	's	PART
ejge-10173	84	14	ict	ict	NOUN
ejge-10173	84	15	industry	industry	NOUN
ejge-10173	84	16	,	,	PUNCT
ejge-10173	84	17	where	where	SCONJ
ejge-10173	84	18	well	well	ADV
ejge-10173	84	19	-	-	PUNCT
ejge-10173	84	20	paying	pay	VERB
ejge-10173	84	21	and	and	CCONJ
ejge-10173	84	22	high	high	ADJ
ejge-10173	84	23	-	-	PUNCT
ejge-10173	84	24	quality	quality	NOUN
ejge-10173	84	25	employment	employment	NOUN
ejge-10173	84	26	opportunities	opportunity	NOUN
ejge-10173	84	27	have	have	AUX
ejge-10173	84	28	been	be	AUX
ejge-10173	84	29	scarce	scarce	ADJ
ejge-10173	84	30	in	in	ADP
ejge-10173	84	31	the	the	DET
ejge-10173	84	32	past	past	NOUN
ejge-10173	84	33	.	.	PUNCT
ejge-10173	85	1	it	it	PRON
ejge-10173	85	2	might	might	AUX
ejge-10173	85	3	be	be	AUX
ejge-10173	85	4	what	what	PRON
ejge-10173	85	5	the	the	DET
ejge-10173	85	6	region	region	NOUN
ejge-10173	85	7	needs	need	VERB
ejge-10173	85	8	to	to	PART
ejge-10173	85	9	catch	catch	VERB
ejge-10173	85	10	up	up	ADP
ejge-10173	85	11	with	with	ADP
ejge-10173	85	12	other	other	ADJ
ejge-10173	85	13	eu	eu	PROPN
ejge-10173	85	14	member	member	NOUN
ejge-10173	85	15	states	state	NOUN
ejge-10173	85	16	in	in	ADP
ejge-10173	85	17	the	the	DET
ejge-10173	85	18	area	area	NOUN
ejge-10173	85	19	(	(	PUNCT
ejge-10173	85	20	santo	santo	PROPN
ejge-10173	85	21	-	-	PUNCT
ejge-10173	85	22	jaen	jaen	PROPN
ejge-10173	85	23	et	et	PROPN
ejge-10173	85	24	al	al	PROPN
ejge-10173	85	25	.	.	PROPN
ejge-10173	85	26	,	,	PUNCT
ejge-10173	85	27	2023	2023	NUM
ejge-10173	85	28	)	)	PUNCT
ejge-10173	85	29	.	.	PUNCT
ejge-10173	86	1	there	there	PRON
ejge-10173	86	2	has	have	AUX
ejge-10173	86	3	been	be	AUX
ejge-10173	86	4	a	a	DET
ejge-10173	86	5	steady	steady	ADJ
ejge-10173	86	6	increase	increase	NOUN
ejge-10173	86	7	in	in	ADP
ejge-10173	86	8	the	the	DET
ejge-10173	86	9	importance	importance	NOUN
ejge-10173	86	10	of	of	ADP
ejge-10173	86	11	rvcs	rvcs	PROPN
ejge-10173	86	12	over	over	ADP
ejge-10173	86	13	the	the	DET
ejge-10173	86	14	last	last	ADJ
ejge-10173	86	15	few	few	ADJ
ejge-10173	86	16	years	year	NOUN
ejge-10173	86	17	.	.	PUNCT
ejge-10173	87	1	eliminating	eliminate	VERB
ejge-10173	87	2	trade	trade	NOUN
ejge-10173	87	3	obstacles	obstacle	NOUN
ejge-10173	87	4	and	and	CCONJ
ejge-10173	87	5	boosting	boost	VERB
ejge-10173	87	6	cross	cross	ADJ
ejge-10173	87	7	-	-	ADJ
ejge-10173	87	8	border	border	ADJ
ejge-10173	87	9	commerce	commerce	NOUN
ejge-10173	87	10	are	be	AUX
ejge-10173	87	11	expected	expect	VERB
ejge-10173	87	12	to	to	PART
ejge-10173	87	13	streamline	streamline	VERB
ejge-10173	87	14	business	business	NOUN
ejge-10173	87	15	collaboration	collaboration	NOUN
ejge-10173	87	16	between	between	ADP
ejge-10173	87	17	enterprises	enterprise	NOUN
ejge-10173	87	18	in	in	ADP
ejge-10173	87	19	the	the	DET
ejge-10173	87	20	region	region	NOUN
ejge-10173	87	21	.	.	PUNCT
ejge-10173	88	1	this	this	PRON
ejge-10173	88	2	,	,	PUNCT
ejge-10173	88	3	in	in	ADP
ejge-10173	88	4	turn	turn	NOUN
ejge-10173	88	5	,	,	PUNCT
ejge-10173	88	6	will	will	AUX
ejge-10173	88	7	allow	allow	VERB
ejge-10173	88	8	enterprises	enterprise	NOUN
ejge-10173	88	9	to	to	PART
ejge-10173	88	10	pool	pool	VERB
ejge-10173	88	11	their	their	PRON
ejge-10173	88	12	resources	resource	NOUN
ejge-10173	88	13	,	,	PUNCT
ejge-10173	88	14	skills	skill	NOUN
ejge-10173	88	15	,	,	PUNCT
ejge-10173	88	16	and	and	CCONJ
ejge-10173	88	17	abilities	ability	NOUN
ejge-10173	88	18	,	,	PUNCT
ejge-10173	88	19	and	and	CCONJ
ejge-10173	88	20	to	to	PART
ejge-10173	88	21	create	create	VERB
ejge-10173	88	22	more	more	ADV
ejge-10173	88	23	innovative	innovative	ADJ
ejge-10173	88	24	and	and	CCONJ
ejge-10173	88	25	competitive	competitive	ADJ
ejge-10173	88	26	goods	good	NOUN
ejge-10173	88	27	and	and	CCONJ
ejge-10173	88	28	services	service	NOUN
ejge-10173	88	29	.	.	PUNCT
ejge-10173	89	1	the	the	DET
ejge-10173	89	2	more	more	ADJ
ejge-10173	89	3	enterprises	enterprise	NOUN
ejge-10173	89	4	in	in	ADP
ejge-10173	89	5	the	the	DET
ejge-10173	89	6	region	region	NOUN
ejge-10173	89	7	work	work	VERB
ejge-10173	89	8	together	together	ADV
ejge-10173	89	9	,	,	PUNCT
ejge-10173	89	10	the	the	DET
ejge-10173	89	11	more	more	ADV
ejge-10173	89	12	foreign	foreign	ADJ
ejge-10173	89	13	investments	investment	NOUN
ejge-10173	89	14	there	there	PRON
ejge-10173	89	15	will	will	AUX
ejge-10173	89	16	be	be	AUX
ejge-10173	89	17	in	in	ADP
ejge-10173	89	18	the	the	DET
ejge-10173	89	19	region	region	NOUN
ejge-10173	89	20	(	(	PUNCT
ejge-10173	89	21	mccormick	mccormick	PROPN
ejge-10173	89	22	and	and	CCONJ
ejge-10173	89	23	somaya	somaya	PROPN
ejge-10173	89	24	,	,	PUNCT
ejge-10173	89	25	2020	2020	NUM
ejge-10173	89	26	)	)	PUNCT
ejge-10173	89	27	.	.	PUNCT
ejge-10173	90	1	this	this	PRON
ejge-10173	90	2	will	will	AUX
ejge-10173	90	3	make	make	VERB
ejge-10173	90	4	the	the	DET
ejge-10173	90	5	regional	regional	ADJ
ejge-10173	90	6	market	market	NOUN
ejge-10173	90	7	in	in	ADP
ejge-10173	90	8	the	the	DET
ejge-10173	90	9	western	western	ADJ
ejge-10173	90	10	balkan	balkan	X
ejge-10173	90	11	more	more	ADV
ejge-10173	90	12	stable	stable	ADJ
ejge-10173	90	13	and	and	CCONJ
ejge-10173	90	14	easier	easy	ADJ
ejge-10173	90	15	to	to	PART
ejge-10173	90	16	integrate	integrate	VERB
ejge-10173	90	17	into	into	ADP
ejge-10173	90	18	gvcs	gvcs	NOUN
ejge-10173	90	19	,	,	PUNCT
ejge-10173	90	20	creating	create	VERB
ejge-10173	90	21	additional	additional	ADJ
ejge-10173	90	22	prospects	prospect	NOUN
ejge-10173	90	23	for	for	ADP
ejge-10173	90	24	large	large	ADJ
ejge-10173	90	25	enterprises	enterprise	NOUN
ejge-10173	90	26	as	as	ADV
ejge-10173	90	27	well	well	ADV
ejge-10173	90	28	as	as	ADP
ejge-10173	90	29	smes	sme	NOUN
ejge-10173	90	30	and	and	CCONJ
ejge-10173	90	31	start	start	NOUN
ejge-10173	90	32	-	-	PUNCT
ejge-10173	90	33	ups	up	NOUN
ejge-10173	90	34	.	.	PUNCT
ejge-10173	91	1	to	to	PART
ejge-10173	91	2	continue	continue	VERB
ejge-10173	91	3	,	,	PUNCT
ejge-10173	91	4	the	the	DET
ejge-10173	91	5	literature	literature	NOUN
ejge-10173	91	6	argues	argue	VERB
ejge-10173	91	7	that	that	SCONJ
ejge-10173	91	8	developing	develop	VERB
ejge-10173	91	9	countries	country	NOUN
ejge-10173	91	10	including	include	VERB
ejge-10173	91	11	the	the	DET
ejge-10173	91	12	western	western	ADJ
ejge-10173	91	13	balkan	balkan	ADJ
ejge-10173	91	14	ones	one	NOUN
ejge-10173	91	15	have	have	AUX
ejge-10173	91	16	made	make	VERB
ejge-10173	91	17	their	their	PRON
ejge-10173	91	18	integration	integration	NOUN
ejge-10173	91	19	into	into	ADP
ejge-10173	91	20	gvcs	gvcs	NOUN
ejge-10173	91	21	faster	fast	ADV
ejge-10173	91	22	by	by	ADP
ejge-10173	91	23	creating	create	VERB
ejge-10173	91	24	rvcsthat	rvcsthat	ADJ
ejge-10173	91	25	align	align	NOUN
ejge-10173	91	26	with	with	ADP
ejge-10173	91	27	the	the	DET
ejge-10173	91	28	common	common	ADJ
ejge-10173	91	29	goals	goal	NOUN
ejge-10173	91	30	of	of	ADP
ejge-10173	91	31	gvcs	gvcs	NOUN
ejge-10173	91	32	(	(	PUNCT
ejge-10173	91	33	radosavljević	radosavljević	NOUN
ejge-10173	91	34	,	,	PUNCT
ejge-10173	91	35	2023	2023	NUM
ejge-10173	91	36	)	)	PUNCT
ejge-10173	91	37	.	.	PUNCT
ejge-10173	92	1	rvcs	rvcs	PROPN
ejge-10173	92	2	support	support	VERB
ejge-10173	92	3	developing	develop	VERB
ejge-10173	92	4	countries	country	NOUN
ejge-10173	92	5	to	to	PART
ejge-10173	92	6	build	build	VERB
ejge-10173	92	7	better	well	ADJ
ejge-10173	92	8	political	political	ADJ
ejge-10173	92	9	,	,	PUNCT
ejge-10173	92	10	social	social	ADJ
ejge-10173	92	11	,	,	PUNCT
ejge-10173	92	12	and	and	CCONJ
ejge-10173	92	13	strategic	strategic	ADJ
ejge-10173	92	14	relationships	relationship	NOUN
ejge-10173	92	15	with	with	ADP
ejge-10173	92	16	each	each	DET
ejge-10173	92	17	other	other	ADJ
ejge-10173	92	18	.	.	PUNCT
ejge-10173	93	1	this	this	PRON
ejge-10173	93	2	helps	help	VERB
ejge-10173	93	3	the	the	DET
ejge-10173	93	4	region	region	NOUN
ejge-10173	93	5	grow	grow	VERB
ejge-10173	93	6	more	more	ADV
ejge-10173	93	7	economically	economically	ADV
ejge-10173	93	8	and	and	CCONJ
ejge-10173	93	9	sustainably	sustainably	ADV
ejge-10173	93	10	(	(	PUNCT
ejge-10173	93	11	kacani	kacani	NOUN
ejge-10173	93	12	et	et	PROPN
ejge-10173	93	13	al	al	PROPN
ejge-10173	93	14	.	.	PROPN
ejge-10173	93	15	,	,	PUNCT
ejge-10173	93	16	2022	2022	NUM
ejge-10173	93	17	)	)	PUNCT
ejge-10173	93	18	.	.	PUNCT
ejge-10173	94	1	in	in	ADP
ejge-10173	94	2	particular	particular	ADJ
ejge-10173	94	3	,	,	PUNCT
ejge-10173	94	4	the	the	DET
ejge-10173	94	5	significance	significance	NOUN
ejge-10173	94	6	of	of	ADP
ejge-10173	94	7	rvcs	rvcs	PROPN
ejge-10173	94	8	was	be	AUX
ejge-10173	94	9	amplified	amplify	VERB
ejge-10173	94	10	during	during	ADP
ejge-10173	94	11	the	the	DET
ejge-10173	94	12	covid-19	covid-19	PROPN
ejge-10173	94	13	pandemic	pandemic	NOUN
ejge-10173	94	14	.	.	PUNCT
ejge-10173	95	1	there	there	PRON
ejge-10173	95	2	are	be	VERB
ejge-10173	95	3	many	many	ADJ
ejge-10173	95	4	reasons	reason	NOUN
ejge-10173	95	5	why	why	SCONJ
ejge-10173	95	6	rvcs	rvcs	ADV
ejge-10173	95	7	have	have	AUX
ejge-10173	95	8	started	start	VERB
ejge-10173	95	9	to	to	PART
ejge-10173	95	10	appear	appear	VERB
ejge-10173	95	11	.	.	PUNCT
ejge-10173	96	1	first	first	ADV
ejge-10173	96	2	,	,	PUNCT
ejge-10173	96	3	geographic	geographic	ADJ
ejge-10173	96	4	location	location	NOUN
ejge-10173	96	5	helps	help	VERB
ejge-10173	96	6	regions	region	NOUN
ejge-10173	96	7	cluster	cluster	NOUN
ejge-10173	96	8	.	.	PUNCT
ejge-10173	97	1	the	the	DET
ejge-10173	97	2	clustering	clustering	NOUN
ejge-10173	97	3	of	of	ADP
ejge-10173	97	4	adjacent	adjacent	ADJ
ejge-10173	97	5	regions	region	NOUN
ejge-10173	97	6	promotes	promote	VERB
ejge-10173	97	7	the	the	DET
ejge-10173	97	8	interaction	interaction	NOUN
ejge-10173	97	9	among	among	ADP
ejge-10173	97	10	nations	nation	NOUN
ejge-10173	97	11	,	,	PUNCT
ejge-10173	97	12	resulting	result	VERB
ejge-10173	97	13	in	in	ADP
ejge-10173	97	14	expedited	expedite	VERB
ejge-10173	97	15	delivery	delivery	NOUN
ejge-10173	97	16	times	time	NOUN
ejge-10173	97	17	and	and	CCONJ
ejge-10173	97	18	enhanced	enhance	VERB
ejge-10173	97	19	adoption	adoption	NOUN
ejge-10173	97	20	and	and	CCONJ
ejge-10173	97	21	implementation	implementation	NOUN
ejge-10173	97	22	of	of	ADP
ejge-10173	97	23	innovations	innovation	NOUN
ejge-10173	97	24	in	in	ADP
ejge-10173	97	25	several	several	ADJ
ejge-10173	97	26	industries	industry	NOUN
ejge-10173	97	27	(	(	PUNCT
ejge-10173	97	28	wielgos	wielgo	NOUN
ejge-10173	97	29	et	et	PROPN
ejge-10173	97	30	al	al	PROPN
ejge-10173	97	31	.	.	PROPN
ejge-10173	97	32	,	,	PUNCT
ejge-10173	97	33	2021	2021	NUM
ejge-10173	97	34	)	)	PUNCT
ejge-10173	97	35	.	.	PUNCT
ejge-10173	98	1	the	the	DET
ejge-10173	98	2	lengthy	lengthy	ADJ
ejge-10173	98	3	transition	transition	NOUN
ejge-10173	98	4	into	into	ADP
ejge-10173	98	5	the	the	DET
ejge-10173	98	6	free	free	ADJ
ejge-10173	98	7	-	-	PUNCT
ejge-10173	98	8	market	market	NOUN
ejge-10173	98	9	economy	economy	NOUN
ejge-10173	98	10	and	and	CCONJ
ejge-10173	98	11	the	the	DET
ejge-10173	98	12	slow	slow	ADJ
ejge-10173	98	13	progress	progress	NOUN
ejge-10173	98	14	in	in	ADP
ejge-10173	98	15	key	key	ADJ
ejge-10173	98	16	structural	structural	ADJ
ejge-10173	98	17	reforms	reform	NOUN
ejge-10173	98	18	have	have	AUX
ejge-10173	98	19	hampered	hamper	VERB
ejge-10173	98	20	the	the	DET
ejge-10173	98	21	region	region	NOUN
ejge-10173	98	22	's	's	PART
ejge-10173	98	23	competitiveness	competitiveness	NOUN
ejge-10173	98	24	despite	despite	SCONJ
ejge-10173	98	25	the	the	DET
ejge-10173	98	26	low	low	ADJ
ejge-10173	98	27	salaries	salary	NOUN
ejge-10173	98	28	paid	pay	VERB
ejge-10173	98	29	by	by	ADP
ejge-10173	98	30	its	its	PRON
ejge-10173	98	31	citizens	citizen	NOUN
ejge-10173	98	32	compared	compare	VERB
ejge-10173	98	33	to	to	ADP
ejge-10173	98	34	those	those	PRON
ejge-10173	98	35	in	in	ADP
ejge-10173	98	36	european	european	ADJ
ejge-10173	98	37	nations	nation	NOUN
ejge-10173	98	38	(	(	PUNCT
ejge-10173	98	39	pournader	pournader	NOUN
ejge-10173	98	40	et	et	PROPN
ejge-10173	98	41	al	al	PROPN
ejge-10173	98	42	,	,	PUNCT
ejge-10173	98	43	2020	2020	NUM
ejge-10173	98	44	)	)	PUNCT
ejge-10173	98	45	.	.	PUNCT
ejge-10173	99	1	to	to	PART
ejge-10173	99	2	enhance	enhance	VERB
ejge-10173	99	3	its	its	PRON
ejge-10173	99	4	competitiveness	competitiveness	NOUN
ejge-10173	99	5	,	,	PUNCT
ejge-10173	99	6	the	the	DET
ejge-10173	99	7	economic	economic	ADJ
ejge-10173	99	8	transformation	transformation	NOUN
ejge-10173	99	9	strategy	strategy	NOUN
ejge-10173	99	10	is	be	AUX
ejge-10173	99	11	currently	currently	ADV
ejge-10173	99	12	focusing	focus	VERB
ejge-10173	99	13	on	on	ADP
ejge-10173	99	14	altering	alter	VERB
ejge-10173	99	15	the	the	DET
ejge-10173	99	16	business	business	NOUN
ejge-10173	99	17	model	model	NOUN
ejge-10173	99	18	and	and	CCONJ
ejge-10173	99	19	adoption	adoption	NOUN
ejge-10173	99	20	of	of	ADP
ejge-10173	99	21	ict	ict	PROPN
ejge-10173	99	22	,	,	PUNCT
ejge-10173	99	23	including	include	VERB
ejge-10173	99	24	fintech	fintech	NOUN
ejge-10173	99	25	solutions	solution	NOUN
ejge-10173	99	26	that	that	PRON
ejge-10173	99	27	will	will	AUX
ejge-10173	99	28	allow	allow	VERB
ejge-10173	99	29	enterprises	enterprise	NOUN
ejge-10173	99	30	in	in	ADP
ejge-10173	99	31	the	the	DET
ejge-10173	99	32	western	western	ADJ
ejge-10173	99	33	balkan	balkan	ADJ
ejge-10173	99	34	region	region	NOUN
ejge-10173	99	35	to	to	PART
ejge-10173	99	36	absorb	absorb	VERB
ejge-10173	99	37	new	new	ADJ
ejge-10173	99	38	developments	development	NOUN
ejge-10173	99	39	in	in	ADP
ejge-10173	99	40	several	several	ADJ
ejge-10173	99	41	relevant	relevant	ADJ
ejge-10173	99	42	sectors	sector	NOUN
ejge-10173	99	43	that	that	PRON
ejge-10173	99	44	are	be	AUX
ejge-10173	99	45	present	present	ADJ
ejge-10173	99	46	in	in	ADP
ejge-10173	99	47	international	international	ADJ
ejge-10173	99	48	markets	market	NOUN
ejge-10173	99	49	like	like	ADP
ejge-10173	99	50	the	the	DET
ejge-10173	99	51	eu	eu	PROPN
ejge-10173	99	52	or	or	CCONJ
ejge-10173	99	53	the	the	DET
ejge-10173	99	54	united	united	PROPN
ejge-10173	99	55	states	states	PROPN
ejge-10173	99	56	(	(	PUNCT
ejge-10173	99	57	us	we	PRON
ejge-10173	99	58	)	)	PUNCT
ejge-10173	99	59	(	(	PUNCT
ejge-10173	99	60	goldfarb	goldfarb	PROPN
ejge-10173	99	61	&	&	CCONJ
ejge-10173	99	62	tucker	tucker	PROPN
ejge-10173	99	63	,	,	PUNCT
ejge-10173	99	64	2019	2019	NUM
ejge-10173	99	65	)	)	PUNCT
ejge-10173	99	66	.	.	PUNCT
ejge-10173	100	1	a	a	DET
ejge-10173	100	2	few	few	ADJ
ejge-10173	100	3	initiatives	initiative	NOUN
ejge-10173	100	4	are	be	AUX
ejge-10173	100	5	currently	currently	ADV
ejge-10173	100	6	in	in	ADP
ejge-10173	100	7	place	place	NOUN
ejge-10173	100	8	in	in	ADP
ejge-10173	100	9	the	the	DET
ejge-10173	100	10	region	region	NOUN
ejge-10173	100	11	of	of	ADP
ejge-10173	100	12	north	north	PROPN
ejge-10173	100	13	macedonia	macedonia	PROPN
ejge-10173	100	14	and	and	CCONJ
ejge-10173	100	15	montenegro	montenegro	PROPN
ejge-10173	100	16	that	that	PRON
ejge-10173	100	17	involve	involve	VERB
ejge-10173	100	18	multiple	multiple	ADJ
ejge-10173	100	19	stakeholders	stakeholder	NOUN
ejge-10173	100	20	.	.	PUNCT
ejge-10173	101	1	according	accord	VERB
ejge-10173	101	2	to	to	ADP
ejge-10173	101	3	the	the	DET
ejge-10173	101	4	international	international	ADJ
ejge-10173	101	5	communication	communication	NOUN
ejge-10173	101	6	union2	union2	NOUN
ejge-10173	101	7	,	,	PUNCT
ejge-10173	101	8	since	since	SCONJ
ejge-10173	101	9	june	june	PROPN
ejge-10173	101	10	2019	2019	NUM
ejge-10173	101	11	,	,	PUNCT
ejge-10173	101	12	the	the	DET
ejge-10173	101	13	innovation	innovation	NOUN
ejge-10173	101	14	office	office	NOUN
ejge-10173	101	15	in	in	ADP
ejge-10173	101	16	north	north	PROPN
ejge-10173	101	17	macedonia	macedonia	PROPN
ejge-10173	101	18	has	have	AUX
ejge-10173	101	19	been	be	AUX
ejge-10173	101	20	fully	fully	ADV
ejge-10173	101	21	operational	operational	ADJ
ejge-10173	101	22	.	.	PUNCT
ejge-10173	102	1	increasing	increase	VERB
ejge-10173	102	2	internal	internal	ADJ
ejge-10173	102	3	capacity	capacity	NOUN
ejge-10173	102	4	to	to	PART
ejge-10173	102	5	handle	handle	VERB
ejge-10173	102	6	fintech	fintech	NOUN
ejge-10173	102	7	issues	issue	NOUN
ejge-10173	102	8	,	,	PUNCT
ejge-10173	102	9	spreading	spread	VERB
ejge-10173	102	10	awareness	awareness	NOUN
ejge-10173	102	11	about	about	ADP
ejge-10173	102	12	the	the	DET
ejge-10173	102	13	benefits	benefit	NOUN
ejge-10173	102	14	and	and	CCONJ
ejge-10173	102	15	dangers	danger	NOUN
ejge-10173	102	16	of	of	ADP
ejge-10173	102	17	the	the	DET
ejge-10173	102	18	fintech	fintech	NOUN
ejge-10173	102	19	sector	sector	NOUN
ejge-10173	102	20	,	,	PUNCT
ejge-10173	102	21	and	and	CCONJ
ejge-10173	102	22	assisting	assist	VERB
ejge-10173	102	23	market	market	NOUN
ejge-10173	102	24	players	player	NOUN
ejge-10173	102	25	with	with	ADP
ejge-10173	102	26	regulatory	regulatory	ADJ
ejge-10173	102	27	clarity	clarity	NOUN
ejge-10173	102	28	are	be	AUX
ejge-10173	102	29	some	some	PRON
ejge-10173	102	30	of	of	ADP
ejge-10173	102	31	the	the	DET
ejge-10173	102	32	objectives	objective	NOUN
ejge-10173	102	33	of	of	ADP
ejge-10173	102	34	the	the	DET
ejge-10173	102	35	office	office	NOUN
ejge-10173	102	36	.	.	PUNCT
ejge-10173	103	1	the	the	DET
ejge-10173	103	2	goal	goal	NOUN
ejge-10173	103	3	is	be	AUX
ejge-10173	103	4	to	to	PART
ejge-10173	103	5	issue	issue	VERB
ejge-10173	103	6	legally	legally	ADV
ejge-10173	103	7	non	non	ADJ
ejge-10173	103	8	-	-	ADJ
ejge-10173	103	9	binding	binding	ADJ
ejge-10173	103	10	opinions	opinion	NOUN
ejge-10173	103	11	regarding	regard	VERB
ejge-10173	103	12	inquiries	inquiry	NOUN
ejge-10173	103	13	from	from	ADP
ejge-10173	103	14	fresh	fresh	ADJ
ejge-10173	103	15	market	market	NOUN
ejge-10173	103	16	players	player	NOUN
ejge-10173	103	17	and	and	CCONJ
ejge-10173	103	18	innovative	innovative	ADJ
ejge-10173	103	19	products	product	NOUN
ejge-10173	103	20	and	and	CCONJ
ejge-10173	103	21	services	service	NOUN
ejge-10173	103	22	.	.	PUNCT
ejge-10173	104	1	the	the	DET
ejge-10173	104	2	office	office	NOUN
ejge-10173	104	3	will	will	AUX
ejge-10173	104	4	cover	cover	VERB
ejge-10173	104	5	several	several	ADJ
ejge-10173	104	6	areas	area	NOUN
ejge-10173	104	7	,	,	PUNCT
ejge-10173	104	8	including	include	VERB
ejge-10173	104	9	digital	digital	ADJ
ejge-10173	104	10	identity	identity	NOUN
ejge-10173	104	11	,	,	PUNCT
ejge-10173	104	12	open	open	ADJ
ejge-10173	104	13	banking	banking	NOUN
ejge-10173	104	14	,	,	PUNCT
ejge-10173	104	15	tokenization	tokenization	NOUN
ejge-10173	104	16	of	of	ADP
ejge-10173	104	17	financial	financial	ADJ
ejge-10173	104	18	instruments	instrument	NOUN
ejge-10173	104	19	,	,	PUNCT
ejge-10173	104	20	crowdfunding	crowdfunding	NOUN
ejge-10173	104	21	,	,	PUNCT
ejge-10173	104	22	crypto	crypto	NOUN
ejge-10173	104	23	assets	asset	NOUN
ejge-10173	104	24	,	,	PUNCT
ejge-10173	104	25	and	and	CCONJ
ejge-10173	104	26	possibilities	possibility	NOUN
ejge-10173	104	27	for	for	ADP
ejge-10173	104	28	developing	develop	VERB
ejge-10173	104	29	a	a	DET
ejge-10173	104	30	central	central	ADJ
ejge-10173	104	31	bank	bank	NOUN
ejge-10173	104	32	digital	digital	ADJ
ejge-10173	104	33	currency	currency	NOUN
ejge-10173	104	34	.	.	PUNCT
ejge-10173	105	1	its	its	PRON
ejge-10173	105	2	primary	primary	ADJ
ejge-10173	105	3	objective	objective	NOUN
ejge-10173	105	4	is	be	AUX
ejge-10173	105	5	to	to	PART
ejge-10173	105	6	develop	develop	VERB
ejge-10173	105	7	a	a	DET
ejge-10173	105	8	fintech	fintech	NOUN
ejge-10173	105	9	strategy	strategy	NOUN
ejge-10173	105	10	and	and	CCONJ
ejge-10173	105	11	action	action	NOUN
ejge-10173	105	12	plan	plan	NOUN
ejge-10173	105	13	to	to	PART
ejge-10173	105	14	help	help	VERB
ejge-10173	105	15	develop	develop	VERB
ejge-10173	105	16	fintech	fintech	NOUN
ejge-10173	105	17	activities	activity	NOUN
ejge-10173	105	18	.	.	PUNCT
ejge-10173	106	1	the	the	DET
ejge-10173	106	2	innovation	innovation	NOUN
ejge-10173	106	3	office	office	NOUN
ejge-10173	106	4	will	will	AUX
ejge-10173	106	5	establish	establish	VERB
ejge-10173	106	6	a	a	DET
ejge-10173	106	7	detailed	detailed	ADJ
ejge-10173	106	8	overview	overview	NOUN
ejge-10173	106	9	of	of	ADP
ejge-10173	106	10	the	the	DET
ejge-10173	106	11	fintech	fintech	NOUN
ejge-10173	106	12	sector	sector	NOUN
ejge-10173	106	13	and	and	CCONJ
ejge-10173	106	14	investigate	investigate	VERB
ejge-10173	106	15	the	the	DET
ejge-10173	106	16	various	various	ADJ
ejge-10173	106	17	business	business	NOUN
ejge-10173	106	18	strategies	strategy	NOUN
ejge-10173	106	19	in	in	ADP
ejge-10173	106	20	greater	great	ADJ
ejge-10173	106	21	detail	detail	NOUN
ejge-10173	106	22	.	.	PUNCT
ejge-10173	107	1	the	the	DET
ejge-10173	107	2	office	office	NOUN
ejge-10173	107	3	will	will	AUX
ejge-10173	107	4	examine	examine	VERB
ejge-10173	107	5	the	the	DET
ejge-10173	107	6	existing	exist	VERB
ejge-10173	107	7	legal	legal	ADJ
ejge-10173	107	8	and	and	CCONJ
ejge-10173	107	9	regulatory	regulatory	ADJ
ejge-10173	107	10	framework	framework	NOUN
ejge-10173	107	11	to	to	PART
ejge-10173	107	12	identify	identify	VERB
ejge-10173	107	13	where	where	SCONJ
ejge-10173	107	14	the	the	DET
ejge-10173	107	15	impediments	impediment	NOUN
ejge-10173	107	16	originate	originate	VERB
ejge-10173	107	17	.	.	PUNCT
ejge-10173	108	1	2	2	NUM
ejge-10173	108	2	https://www.itu.int/dms_pub/itu-d/opb/inno/d-inno-profile.northmacedonia-2023-pdf-e.pdf	https://www.itu.int/dms_pub/itu-d/opb/inno/d-inno-profile.northmacedonia-2023-pdf-e.pdf	NOUN
ejge-10173	108	3	https://www.itu.int/dms_pub/itu-d/opb/inno/d-inno-profile.northmacedonia-2023-pdf-e.pdf	https://www.itu.int/dms_pub/itu-d/opb/inno/d-inno-profile.northmacedonia-2023-pdf-e.pdf	X
ejge-10173	108	4	unlocking	unlock	VERB
ejge-10173	108	5	regional	regional	ADJ
ejge-10173	108	6	value	value	NOUN
ejge-10173	108	7	chains	chain	NOUN
ejge-10173	108	8	in	in	ADP
ejge-10173	108	9	addition	addition	NOUN
ejge-10173	108	10	,	,	PUNCT
ejge-10173	108	11	the	the	DET
ejge-10173	108	12	first	first	ADJ
ejge-10173	108	13	and	and	CCONJ
ejge-10173	108	14	,	,	PUNCT
ejge-10173	108	15	to	to	ADP
ejge-10173	108	16	date	date	NOUN
ejge-10173	108	17	,	,	PUNCT
ejge-10173	108	18	only	only	ADV
ejge-10173	108	19	regulatory	regulatory	ADJ
ejge-10173	108	20	sandbox	sandbox	NOUN
ejge-10173	108	21	3	3	NUM
ejge-10173	108	22	in	in	ADP
ejge-10173	108	23	the	the	DET
ejge-10173	108	24	western	western	ADJ
ejge-10173	108	25	balkans	balkans	PROPN
ejge-10173	108	26	was	be	AUX
ejge-10173	108	27	established	establish	VERB
ejge-10173	108	28	at	at	ADP
ejge-10173	108	29	the	the	DET
ejge-10173	108	30	securities	security	NOUN
ejge-10173	108	31	commission	commission	PROPN
ejge-10173	108	32	of	of	ADP
ejge-10173	108	33	montenegro	montenegro	PROPN
ejge-10173	108	34	in	in	ADP
ejge-10173	108	35	september	september	PROPN
ejge-10173	108	36	2019	2019	NUM
ejge-10173	108	37	.	.	PUNCT
ejge-10173	109	1	the	the	DET
ejge-10173	109	2	securities	security	NOUN
ejge-10173	109	3	commission	commission	PROPN
ejge-10173	109	4	has	have	AUX
ejge-10173	109	5	established	establish	VERB
ejge-10173	109	6	comprehensive	comprehensive	ADJ
ejge-10173	109	7	regulations	regulation	NOUN
ejge-10173	109	8	that	that	PRON
ejge-10173	109	9	govern	govern	VERB
ejge-10173	109	10	the	the	DET
ejge-10173	109	11	scheme	scheme	NOUN
ejge-10173	109	12	's	's	PART
ejge-10173	109	13	objectives	objective	NOUN
ejge-10173	109	14	,	,	PUNCT
ejge-10173	109	15	criteria	criterion	NOUN
ejge-10173	109	16	,	,	PUNCT
ejge-10173	109	17	and	and	CCONJ
ejge-10173	109	18	application	application	NOUN
ejge-10173	109	19	procedure	procedure	NOUN
ejge-10173	109	20	.	.	PUNCT
ejge-10173	110	1	the	the	DET
ejge-10173	110	2	sandbox	sandbox	PROPN
ejge-10173	110	3	initiative	initiative	NOUN
ejge-10173	110	4	aims	aim	VERB
ejge-10173	110	5	to	to	PART
ejge-10173	110	6	provide	provide	VERB
ejge-10173	110	7	a	a	DET
ejge-10173	110	8	controlled	control	VERB
ejge-10173	110	9	regulatory	regulatory	ADJ
ejge-10173	110	10	environment	environment	NOUN
ejge-10173	110	11	for	for	ADP
ejge-10173	110	12	potential	potential	ADJ
ejge-10173	110	13	new	new	ADJ
ejge-10173	110	14	market	market	NOUN
ejge-10173	110	15	entrants	entrant	NOUN
ejge-10173	110	16	and	and	CCONJ
ejge-10173	110	17	established	establish	VERB
ejge-10173	110	18	fintech	fintech	NOUN
ejge-10173	110	19	firms	firm	NOUN
ejge-10173	110	20	to	to	PART
ejge-10173	110	21	evaluate	evaluate	VERB
ejge-10173	110	22	financial	financial	ADJ
ejge-10173	110	23	innovation	innovation	NOUN
ejge-10173	110	24	,	,	PUNCT
ejge-10173	110	25	particularly	particularly	ADV
ejge-10173	110	26	in	in	ADP
ejge-10173	110	27	instances	instance	NOUN
ejge-10173	110	28	where	where	SCONJ
ejge-10173	110	29	the	the	DET
ejge-10173	110	30	applicable	applicable	ADJ
ejge-10173	110	31	regulation	regulation	NOUN
ejge-10173	110	32	is	be	AUX
ejge-10173	110	33	inappropriate	inappropriate	ADJ
ejge-10173	110	34	or	or	CCONJ
ejge-10173	110	35	unclear	unclear	ADJ
ejge-10173	110	36	.	.	PUNCT
ejge-10173	111	1	the	the	DET
ejge-10173	111	2	european	european	PROPN
ejge-10173	111	3	commission	commission	PROPN
ejge-10173	111	4	will	will	AUX
ejge-10173	111	5	monitor	monitor	VERB
ejge-10173	111	6	and	and	CCONJ
ejge-10173	111	7	evaluate	evaluate	VERB
ejge-10173	111	8	the	the	DET
ejge-10173	111	9	risks	risk	NOUN
ejge-10173	111	10	associated	associate	VERB
ejge-10173	111	11	with	with	ADP
ejge-10173	111	12	new	new	ADJ
ejge-10173	111	13	products	product	NOUN
ejge-10173	111	14	or	or	CCONJ
ejge-10173	111	15	services	service	NOUN
ejge-10173	111	16	,	,	PUNCT
ejge-10173	111	17	as	as	ADV
ejge-10173	111	18	well	well	ADV
ejge-10173	111	19	as	as	ADP
ejge-10173	111	20	their	their	PRON
ejge-10173	111	21	compatibility	compatibility	NOUN
ejge-10173	111	22	with	with	ADP
ejge-10173	111	23	existing	exist	VERB
ejge-10173	111	24	rules	rule	NOUN
ejge-10173	111	25	,	,	PUNCT
ejge-10173	111	26	while	while	SCONJ
ejge-10173	111	27	they	they	PRON
ejge-10173	111	28	're	be	AUX
ejge-10173	111	29	in	in	ADP
ejge-10173	111	30	the	the	DET
ejge-10173	111	31	sandbox	sandbox	NOUN
ejge-10173	111	32	.	.	PUNCT
ejge-10173	112	1	to	to	PART
ejge-10173	112	2	be	be	AUX
ejge-10173	112	3	deemed	deem	VERB
ejge-10173	112	4	acceptable	acceptable	ADJ
ejge-10173	112	5	,	,	PUNCT
ejge-10173	112	6	enterprises	enterprise	NOUN
ejge-10173	112	7	must	must	AUX
ejge-10173	112	8	present	present	VERB
ejge-10173	112	9	innovative	innovative	ADJ
ejge-10173	112	10	financial	financial	ADJ
ejge-10173	112	11	solutions	solution	NOUN
ejge-10173	112	12	that	that	PRON
ejge-10173	112	13	provide	provide	VERB
ejge-10173	112	14	distinct	distinct	ADJ
ejge-10173	112	15	advantages	advantage	NOUN
ejge-10173	112	16	to	to	ADP
ejge-10173	112	17	consumers	consumer	NOUN
ejge-10173	112	18	,	,	PUNCT
ejge-10173	112	19	such	such	ADJ
ejge-10173	112	20	as	as	ADP
ejge-10173	112	21	more	more	ADV
ejge-10173	112	22	practical	practical	ADJ
ejge-10173	112	23	,	,	PUNCT
ejge-10173	112	24	safer	safe	ADJ
ejge-10173	112	25	,	,	PUNCT
ejge-10173	112	26	or	or	CCONJ
ejge-10173	112	27	cheaper	cheap	ADJ
ejge-10173	112	28	financial	financial	ADJ
ejge-10173	112	29	services	service	NOUN
ejge-10173	112	30	.	.	PUNCT
ejge-10173	113	1	in	in	ADP
ejge-10173	113	2	return	return	NOUN
ejge-10173	113	3	,	,	PUNCT
ejge-10173	113	4	individuals	individual	NOUN
ejge-10173	113	5	will	will	AUX
ejge-10173	113	6	derive	derive	VERB
ejge-10173	113	7	numerous	numerous	ADJ
ejge-10173	113	8	advantages	advantage	NOUN
ejge-10173	113	9	from	from	ADP
ejge-10173	113	10	participating	participate	VERB
ejge-10173	113	11	in	in	ADP
ejge-10173	113	12	the	the	DET
ejge-10173	113	13	scheme	scheme	NOUN
ejge-10173	113	14	,	,	PUNCT
ejge-10173	113	15	including	include	VERB
ejge-10173	113	16	the	the	DET
ejge-10173	113	17	receipt	receipt	NOUN
ejge-10173	113	18	of	of	ADP
ejge-10173	113	19	guidance	guidance	NOUN
ejge-10173	113	20	from	from	ADP
ejge-10173	113	21	relevant	relevant	ADJ
ejge-10173	113	22	authorities	authority	NOUN
ejge-10173	113	23	,	,	PUNCT
ejge-10173	113	24	a	a	DET
ejge-10173	113	25	more	more	ADV
ejge-10173	113	26	lenient	lenient	ADJ
ejge-10173	113	27	approach	approach	NOUN
ejge-10173	113	28	towards	towards	ADP
ejge-10173	113	29	penalties	penalty	NOUN
ejge-10173	113	30	,	,	PUNCT
ejge-10173	113	31	and	and	CCONJ
ejge-10173	113	32	a	a	DET
ejge-10173	113	33	tolerant	tolerant	ADJ
ejge-10173	113	34	interpretation	interpretation	NOUN
ejge-10173	113	35	of	of	ADP
ejge-10173	113	36	existing	exist	VERB
ejge-10173	113	37	regulations	regulation	NOUN
ejge-10173	113	38	based	base	VERB
ejge-10173	113	39	on	on	ADP
ejge-10173	113	40	the	the	DET
ejge-10173	113	41	principle	principle	NOUN
ejge-10173	113	42	of	of	ADP
ejge-10173	113	43	proportionality	proportionality	NOUN
ejge-10173	113	44	(	(	PUNCT
ejge-10173	113	45	oecd	oecd	PROPN
ejge-10173	113	46	,	,	PUNCT
ejge-10173	113	47	2023	2023	NUM
ejge-10173	113	48	)	)	PUNCT
ejge-10173	113	49	.	.	PUNCT
ejge-10173	114	1	3	3	X
ejge-10173	114	2	.	.	X
ejge-10173	114	3	methodology	methodology	NOUN
ejge-10173	114	4	and	and	CCONJ
ejge-10173	114	5	case	case	NOUN
ejge-10173	114	6	study	study	NOUN
ejge-10173	114	7	overview	overview	NOUN
ejge-10173	114	8	financial	financial	ADJ
ejge-10173	114	9	ratios	ratio	NOUN
ejge-10173	114	10	are	be	AUX
ejge-10173	114	11	widely	widely	ADV
ejge-10173	114	12	used	use	VERB
ejge-10173	114	13	by	by	ADP
ejge-10173	114	14	researchers	researcher	NOUN
ejge-10173	114	15	to	to	PART
ejge-10173	114	16	evaluate	evaluate	VERB
ejge-10173	114	17	the	the	DET
ejge-10173	114	18	operational	operational	ADJ
ejge-10173	114	19	performance	performance	NOUN
ejge-10173	114	20	of	of	ADP
ejge-10173	114	21	enterprises	enterprise	NOUN
ejge-10173	114	22	.	.	PUNCT
ejge-10173	115	1	in	in	ADP
ejge-10173	115	2	the	the	DET
ejge-10173	115	3	literature	literature	NOUN
ejge-10173	115	4	,	,	PUNCT
ejge-10173	115	5	financial	financial	ADJ
ejge-10173	115	6	ratios	ratio	NOUN
ejge-10173	115	7	are	be	AUX
ejge-10173	115	8	regarded	regard	VERB
ejge-10173	115	9	as	as	ADP
ejge-10173	115	10	reliable	reliable	ADJ
ejge-10173	115	11	indicators	indicator	NOUN
ejge-10173	115	12	for	for	ADP
ejge-10173	115	13	evaluating	evaluate	VERB
ejge-10173	115	14	sustainability	sustainability	NOUN
ejge-10173	115	15	in	in	ADP
ejge-10173	115	16	both	both	DET
ejge-10173	115	17	enterprises	enterprise	NOUN
ejge-10173	115	18	and	and	CCONJ
ejge-10173	115	19	industries	industry	NOUN
ejge-10173	115	20	.	.	PUNCT
ejge-10173	116	1	in	in	ADP
ejge-10173	116	2	addition	addition	NOUN
ejge-10173	116	3	,	,	PUNCT
ejge-10173	116	4	financial	financial	ADJ
ejge-10173	116	5	ratios	ratio	NOUN
ejge-10173	116	6	are	be	AUX
ejge-10173	116	7	used	use	VERB
ejge-10173	116	8	to	to	PART
ejge-10173	116	9	assess	assess	VERB
ejge-10173	116	10	not	not	PART
ejge-10173	116	11	only	only	ADV
ejge-10173	116	12	the	the	DET
ejge-10173	116	13	current	current	ADJ
ejge-10173	116	14	financial	financial	ADJ
ejge-10173	116	15	well	well	NOUN
ejge-10173	116	16	-	-	PUNCT
ejge-10173	116	17	being	being	NOUN
ejge-10173	116	18	of	of	ADP
ejge-10173	116	19	enterprises	enterprise	NOUN
ejge-10173	116	20	but	but	CCONJ
ejge-10173	116	21	also	also	ADV
ejge-10173	116	22	their	their	PRON
ejge-10173	116	23	upcoming	upcoming	ADJ
ejge-10173	116	24	financial	financial	ADJ
ejge-10173	116	25	prospects	prospect	NOUN
ejge-10173	116	26	,	,	PUNCT
ejge-10173	116	27	such	such	ADJ
ejge-10173	116	28	as	as	ADP
ejge-10173	116	29	expansion	expansion	NOUN
ejge-10173	116	30	into	into	ADP
ejge-10173	116	31	new	new	ADJ
ejge-10173	116	32	markets	market	NOUN
ejge-10173	116	33	or	or	CCONJ
ejge-10173	116	34	intensifying	intensify	VERB
ejge-10173	116	35	their	their	PRON
ejge-10173	116	36	integration	integration	NOUN
ejge-10173	116	37	into	into	ADP
ejge-10173	116	38	gvcs	gvcs	NOUN
ejge-10173	116	39	.	.	PUNCT
ejge-10173	117	1	they	they	PRON
ejge-10173	117	2	are	be	AUX
ejge-10173	117	3	estimated	estimate	VERB
ejge-10173	117	4	to	to	PART
ejge-10173	117	5	investigate	investigate	VERB
ejge-10173	117	6	how	how	SCONJ
ejge-10173	117	7	the	the	DET
ejge-10173	117	8	previous	previous	ADJ
ejge-10173	117	9	financial	financial	ADJ
ejge-10173	117	10	performance	performance	NOUN
ejge-10173	117	11	of	of	ADP
ejge-10173	117	12	an	an	DET
ejge-10173	117	13	enterprise	enterprise	NOUN
ejge-10173	117	14	compares	compare	VERB
ejge-10173	117	15	to	to	ADP
ejge-10173	117	16	enterprises	enterprise	NOUN
ejge-10173	117	17	operating	operate	VERB
ejge-10173	117	18	in	in	ADP
ejge-10173	117	19	the	the	DET
ejge-10173	117	20	same	same	ADJ
ejge-10173	117	21	industry	industry	NOUN
ejge-10173	117	22	.	.	PUNCT
ejge-10173	118	1	laitinen	laitinen	PROPN
ejge-10173	118	2	(	(	PUNCT
ejge-10173	118	3	2018	2018	NUM
ejge-10173	118	4	)	)	PUNCT
ejge-10173	118	5	argues	argue	VERB
ejge-10173	118	6	that	that	SCONJ
ejge-10173	118	7	financial	financial	ADJ
ejge-10173	118	8	ratios	ratio	NOUN
ejge-10173	118	9	serve	serve	VERB
ejge-10173	118	10	two	two	NUM
ejge-10173	118	11	primary	primary	ADJ
ejge-10173	118	12	functions	function	NOUN
ejge-10173	118	13	.	.	PUNCT
ejge-10173	119	1	firstly	firstly	ADV
ejge-10173	119	2	,	,	PUNCT
ejge-10173	119	3	they	they	PRON
ejge-10173	119	4	are	be	AUX
ejge-10173	119	5	used	use	VERB
ejge-10173	119	6	to	to	PART
ejge-10173	119	7	forecast	forecast	VERB
ejge-10173	119	8	financial	financial	ADJ
ejge-10173	119	9	outcomes	outcome	NOUN
ejge-10173	119	10	,	,	PUNCT
ejge-10173	119	11	such	such	ADJ
ejge-10173	119	12	as	as	ADP
ejge-10173	119	13	returns	return	NOUN
ejge-10173	119	14	,	,	PUNCT
ejge-10173	119	15	earnings	earning	NOUN
ejge-10173	119	16	,	,	PUNCT
ejge-10173	119	17	and	and	CCONJ
ejge-10173	119	18	late	late	ADJ
ejge-10173	119	19	or	or	CCONJ
ejge-10173	119	20	non	non	ADJ
ejge-10173	119	21	-	-	NOUN
ejge-10173	119	22	payments	payment	NOUN
ejge-10173	119	23	.	.	PUNCT
ejge-10173	120	1	secondly	secondly	ADV
ejge-10173	120	2	,	,	PUNCT
ejge-10173	120	3	financial	financial	ADJ
ejge-10173	120	4	ratios	ratio	NOUN
ejge-10173	120	5	are	be	AUX
ejge-10173	120	6	considered	consider	VERB
ejge-10173	120	7	credible	credible	ADJ
ejge-10173	120	8	indicators	indicator	NOUN
ejge-10173	120	9	to	to	PART
ejge-10173	120	10	compare	compare	VERB
ejge-10173	120	11	across	across	ADP
ejge-10173	120	12	different	different	ADJ
ejge-10173	120	13	industries	industry	NOUN
ejge-10173	120	14	,	,	PUNCT
ejge-10173	120	15	a	a	DET
ejge-10173	120	16	process	process	NOUN
ejge-10173	120	17	commonly	commonly	ADV
ejge-10173	120	18	referred	refer	VERB
ejge-10173	120	19	to	to	ADP
ejge-10173	120	20	as	as	ADP
ejge-10173	120	21	benchmarking	benchmarke	VERB
ejge-10173	120	22	analysis	analysis	NOUN
ejge-10173	120	23	(	(	PUNCT
ejge-10173	120	24	arrfelt	arrfelt	PROPN
ejge-10173	120	25	et	et	PROPN
ejge-10173	120	26	al	al	PROPN
ejge-10173	120	27	.	.	PROPN
ejge-10173	120	28	,	,	PUNCT
ejge-10173	120	29	2018	2018	NUM
ejge-10173	120	30	)	)	PUNCT
ejge-10173	120	31	.	.	PUNCT
ejge-10173	121	1	furthermore	furthermore	ADV
ejge-10173	121	2	,	,	PUNCT
ejge-10173	121	3	financial	financial	ADJ
ejge-10173	121	4	ratios	ratio	NOUN
ejge-10173	121	5	are	be	AUX
ejge-10173	121	6	solid	solid	ADJ
ejge-10173	121	7	indicators	indicator	NOUN
ejge-10173	121	8	of	of	ADP
ejge-10173	121	9	the	the	DET
ejge-10173	121	10	financial	financial	ADJ
ejge-10173	121	11	sustainability	sustainability	NOUN
ejge-10173	121	12	of	of	ADP
ejge-10173	121	13	enterprises	enterprise	NOUN
ejge-10173	121	14	in	in	ADP
ejge-10173	121	15	the	the	DET
ejge-10173	121	16	existing	exist	VERB
ejge-10173	121	17	literature	literature	NOUN
ejge-10173	121	18	.	.	PUNCT
ejge-10173	122	1	to	to	PART
ejge-10173	122	2	answer	answer	VERB
ejge-10173	122	3	our	our	PRON
ejge-10173	122	4	main	main	ADJ
ejge-10173	122	5	research	research	NOUN
ejge-10173	122	6	questions	question	NOUN
ejge-10173	122	7	on	on	ADP
ejge-10173	122	8	whether	whether	SCONJ
ejge-10173	122	9	enterprises	enterprise	NOUN
ejge-10173	122	10	implementing	implement	VERB
ejge-10173	122	11	fintech	fintech	NOUN
ejge-10173	122	12	solutions	solution	NOUN
ejge-10173	122	13	have	have	AUX
ejge-10173	122	14	a	a	DET
ejge-10173	122	15	higher	high	ADJ
ejge-10173	122	16	possibility	possibility	NOUN
ejge-10173	122	17	to	to	PART
ejge-10173	122	18	create	create	VERB
ejge-10173	122	19	rvcs	rvcs	ADJ
ejge-10173	122	20	than	than	ADP
ejge-10173	122	21	the	the	DET
ejge-10173	122	22	ones	one	NOUN
ejge-10173	122	23	that	that	PRON
ejge-10173	122	24	do	do	AUX
ejge-10173	122	25	not	not	PART
ejge-10173	122	26	consider	consider	VERB
ejge-10173	122	27	fintech	fintech	NOUN
ejge-10173	122	28	in	in	ADP
ejge-10173	122	29	their	their	PRON
ejge-10173	122	30	financial	financial	ADJ
ejge-10173	122	31	operations	operation	NOUN
ejge-10173	122	32	,	,	PUNCT
ejge-10173	122	33	this	this	DET
ejge-10173	122	34	paper	paper	NOUN
ejge-10173	122	35	looks	look	VERB
ejge-10173	122	36	at	at	ADP
ejge-10173	122	37	the	the	DET
ejge-10173	122	38	financial	financial	ADJ
ejge-10173	122	39	indicators	indicator	NOUN
ejge-10173	122	40	related	relate	VERB
ejge-10173	122	41	to	to	ADP
ejge-10173	122	42	the	the	DET
ejge-10173	122	43	use	use	NOUN
ejge-10173	122	44	of	of	ADP
ejge-10173	122	45	fintech	fintech	NOUN
ejge-10173	122	46	solutions	solution	NOUN
ejge-10173	122	47	in	in	ADP
ejge-10173	122	48	370	370	NUM
ejge-10173	122	49	enterprises	enterprise	NOUN
ejge-10173	122	50	that	that	PRON
ejge-10173	122	51	operate	operate	VERB
ejge-10173	122	52	in	in	ADP
ejge-10173	122	53	western	western	ADJ
ejge-10173	122	54	balkan	balkan	ADJ
ejge-10173	122	55	countries	country	NOUN
ejge-10173	122	56	.	.	PUNCT
ejge-10173	123	1	the	the	DET
ejge-10173	123	2	financial	financial	ADJ
ejge-10173	123	3	data	datum	NOUN
ejge-10173	123	4	was	be	AUX
ejge-10173	123	5	taken	take	VERB
ejge-10173	123	6	from	from	ADP
ejge-10173	123	7	a	a	DET
ejge-10173	123	8	large	large	ADJ
ejge-10173	123	9	survey	survey	NOUN
ejge-10173	123	10	addressed	address	VERB
ejge-10173	123	11	to	to	ADP
ejge-10173	123	12	the	the	DET
ejge-10173	123	13	management	management	NOUN
ejge-10173	123	14	of	of	ADP
ejge-10173	123	15	these	these	DET
ejge-10173	123	16	enterprises	enterprise	NOUN
ejge-10173	123	17	.	.	PUNCT
ejge-10173	124	1	relevant	relevant	ADJ
ejge-10173	124	2	data	datum	NOUN
ejge-10173	124	3	was	be	AUX
ejge-10173	124	4	retrieved	retrieve	VERB
ejge-10173	124	5	for	for	ADP
ejge-10173	124	6	the	the	DET
ejge-10173	124	7	five	five	NUM
ejge-10173	124	8	years	year	NOUN
ejge-10173	124	9	spanning	span	VERB
ejge-10173	124	10	from	from	ADP
ejge-10173	124	11	2018	2018	NUM
ejge-10173	124	12	to	to	ADP
ejge-10173	124	13	2022	2022	NUM
ejge-10173	124	14	inclusive	inclusive	NOUN
ejge-10173	124	15	.	.	PUNCT
ejge-10173	125	1	the	the	DET
ejge-10173	125	2	enterprise	enterprise	NOUN
ejge-10173	125	3	selection	selection	NOUN
ejge-10173	125	4	criteria	criterion	NOUN
ejge-10173	125	5	introduced	introduce	VERB
ejge-10173	125	6	in	in	ADP
ejge-10173	125	7	table	table	NOUN
ejge-10173	125	8	2	2	NUM
ejge-10173	125	9	targeted	target	VERB
ejge-10173	125	10	enterprises	enterprise	NOUN
ejge-10173	125	11	that	that	PRON
ejge-10173	125	12	use	use	VERB
ejge-10173	125	13	fintech	fintech	NOUN
ejge-10173	125	14	solutions	solution	NOUN
ejge-10173	125	15	and	and	CCONJ
ejge-10173	125	16	operate	operate	VERB
ejge-10173	125	17	in	in	ADP
ejge-10173	125	18	more	more	ADJ
ejge-10173	125	19	than	than	ADP
ejge-10173	125	20	one	one	NUM
ejge-10173	125	21	market	market	NOUN
ejge-10173	125	22	.	.	PUNCT
ejge-10173	126	1	3	3	NUM
ejge-10173	126	2	regulatory	regulatory	ADJ
ejge-10173	126	3	sandboxes	sandbox	NOUN
ejge-10173	126	4	are	be	AUX
ejge-10173	126	5	regulatory	regulatory	ADJ
ejge-10173	126	6	instruments	instrument	NOUN
ejge-10173	126	7	that	that	PRON
ejge-10173	126	8	enable	enable	VERB
ejge-10173	126	9	enterprises	enterprise	NOUN
ejge-10173	126	10	to	to	PART
ejge-10173	126	11	evaluate	evaluate	VERB
ejge-10173	126	12	and	and	CCONJ
ejge-10173	126	13	experiment	experiment	NOUN
ejge-10173	126	14	with	with	ADP
ejge-10173	126	15	novel	novel	NOUN
ejge-10173	126	16	and	and	CCONJ
ejge-10173	126	17	innovative	innovative	ADJ
ejge-10173	126	18	products	product	NOUN
ejge-10173	126	19	,	,	PUNCT
ejge-10173	126	20	services	service	NOUN
ejge-10173	126	21	,	,	PUNCT
ejge-10173	126	22	or	or	CCONJ
ejge-10173	126	23	enterprises	enterprise	NOUN
ejge-10173	126	24	under	under	ADP
ejge-10173	126	25	the	the	DET
ejge-10173	126	26	supervision	supervision	NOUN
ejge-10173	126	27	of	of	ADP
ejge-10173	126	28	a	a	DET
ejge-10173	126	29	regulatory	regulatory	ADJ
ejge-10173	126	30	body	body	NOUN
ejge-10173	126	31	for	for	ADP
ejge-10173	126	32	a	a	DET
ejge-10173	126	33	limited	limited	ADJ
ejge-10173	126	34	duration	duration	NOUN
ejge-10173	126	35	.	.	PUNCT
ejge-10173	127	1	the	the	DET
ejge-10173	127	2	purpose	purpose	NOUN
ejge-10173	127	3	of	of	ADP
ejge-10173	127	4	regulatory	regulatory	ADJ
ejge-10173	127	5	sandboxes	sandbox	NOUN
ejge-10173	127	6	is	be	AUX
ejge-10173	127	7	to	to	PART
ejge-10173	127	8	foster	foster	VERB
ejge-10173	127	9	business	business	NOUN
ejge-10173	127	10	learning	learning	NOUN
ejge-10173	127	11	,	,	PUNCT
ejge-10173	127	12	i.e.	i.e.	X
ejge-10173	127	13	the	the	DET
ejge-10173	127	14	creation	creation	NOUN
ejge-10173	127	15	and	and	CCONJ
ejge-10173	127	16	validation	validation	NOUN
ejge-10173	127	17	of	of	ADP
ejge-10173	127	18	innovations	innovation	NOUN
ejge-10173	127	19	in	in	ADP
ejge-10173	127	20	a	a	DET
ejge-10173	127	21	real	real	ADJ
ejge-10173	127	22	-	-	PUNCT
ejge-10173	127	23	world	world	NOUN
ejge-10173	127	24	setting	setting	NOUN
ejge-10173	127	25	,	,	PUNCT
ejge-10173	127	26	and	and	CCONJ
ejge-10173	127	27	to	to	PART
ejge-10173	127	28	support	support	VERB
ejge-10173	127	29	regulatory	regulatory	ADJ
ejge-10173	127	30	learning	learning	NOUN
ejge-10173	127	31	,	,	PUNCT
ejge-10173	127	32	i.e.	i.e.	X
ejge-10173	127	33	the	the	DET
ejge-10173	127	34	formulation	formulation	NOUN
ejge-10173	127	35	of	of	ADP
ejge-10173	127	36	experimental	experimental	ADJ
ejge-10173	127	37	legal	legal	ADJ
ejge-10173	127	38	frameworks	framework	NOUN
ejge-10173	127	39	to	to	PART
ejge-10173	127	40	guide	guide	VERB
ejge-10173	127	41	and	and	CCONJ
ejge-10173	127	42	support	support	VERB
ejge-10173	127	43	businesses	business	NOUN
ejge-10173	127	44	in	in	ADP
ejge-10173	127	45	their	their	PRON
ejge-10173	127	46	innovation	innovation	NOUN
ejge-10173	127	47	endeavors	endeavor	NOUN
ejge-10173	127	48	.	.	PUNCT
ejge-10173	128	1	https://www.europarl.europa.eu	https://www.europarl.europa.eu	PROPN
ejge-10173	128	2	/regdata	/regdata	NOUN
ejge-10173	128	3	/	/	SYM
ejge-10173	128	4	etudes	etudes	PROPN
ejge-10173	128	5	/	/	SYM
ejge-10173	128	6	brie/2022/733544	brie/2022/733544	PROPN
ejge-10173	128	7	/	/	SYM
ejge-10173	128	8	eprs_bri(2022)733544_en.pdf	eprs_bri(2022)733544_en.pdf	ADJ
ejge-10173	128	9	https://www.europarl.europa.eu/regdata/etudes/brie/2022/733544/eprs_bri(2022)733544_en.pdf	https://www.europarl.europa.eu/regdata/etudes/brie/2022/733544/eprs_bri(2022)733544_en.pdf	X
ejge-10173	128	10	https://www.europarl.europa.eu/regdata/etudes/brie/2022/733544/eprs_bri(2022)733544_en.pdf	https://www.europarl.europa.eu/regdata/etudes/brie/2022/733544/eprs_bri(2022)733544_en.pdf	X
ejge-10173	128	11	212	212	NUM
ejge-10173	128	12	gentjan	gentjan	NOUN
ejge-10173	128	13	shaquiri	shaquiri	NOUN
ejge-10173	128	14	et	et	PROPN
ejge-10173	128	15	al	al	PROPN
ejge-10173	128	16	.	.	PUNCT
ejge-10173	129	1	the	the	DET
ejge-10173	129	2	survey	survey	NOUN
ejge-10173	129	3	design	design	NOUN
ejge-10173	129	4	:	:	PUNCT
ejge-10173	129	5	the	the	DET
ejge-10173	129	6	survey	survey	NOUN
ejge-10173	129	7	was	be	AUX
ejge-10173	129	8	designed	design	VERB
ejge-10173	129	9	to	to	PART
ejge-10173	129	10	obtain	obtain	VERB
ejge-10173	129	11	relevant	relevant	ADJ
ejge-10173	129	12	information	information	NOUN
ejge-10173	129	13	on	on	ADP
ejge-10173	129	14	the	the	DET
ejge-10173	129	15	financial	financial	ADJ
ejge-10173	129	16	performance	performance	NOUN
ejge-10173	129	17	of	of	ADP
ejge-10173	129	18	enterprises	enterprise	NOUN
ejge-10173	129	19	.	.	PUNCT
ejge-10173	130	1	the	the	DET
ejge-10173	130	2	questionnaire	questionnaire	NOUN
ejge-10173	130	3	has	have	VERB
ejge-10173	130	4	three	three	NUM
ejge-10173	130	5	main	main	ADJ
ejge-10173	130	6	parts	part	NOUN
ejge-10173	130	7	:	:	PUNCT
ejge-10173	130	8	the	the	DET
ejge-10173	130	9	first	first	ADJ
ejge-10173	130	10	part	part	NOUN
ejge-10173	130	11	collects	collect	VERB
ejge-10173	130	12	general	general	ADJ
ejge-10173	130	13	information	information	NOUN
ejge-10173	130	14	about	about	ADP
ejge-10173	130	15	the	the	DET
ejge-10173	130	16	enterprise	enterprise	NOUN
ejge-10173	130	17	,	,	PUNCT
ejge-10173	130	18	the	the	DET
ejge-10173	130	19	second	second	ADJ
ejge-10173	130	20	one	one	NOUN
ejge-10173	130	21	aims	aim	VERB
ejge-10173	130	22	to	to	PART
ejge-10173	130	23	retrieve	retrieve	VERB
ejge-10173	130	24	financial	financial	ADJ
ejge-10173	130	25	data	datum	NOUN
ejge-10173	130	26	on	on	ADP
ejge-10173	130	27	the	the	DET
ejge-10173	130	28	return	return	NOUN
ejge-10173	130	29	of	of	ADP
ejge-10173	130	30	fintech	fintech	NOUN
ejge-10173	130	31	investments	investment	NOUN
ejge-10173	130	32	,	,	PUNCT
ejge-10173	130	33	and	and	CCONJ
ejge-10173	130	34	the	the	DET
ejge-10173	130	35	third	third	ADJ
ejge-10173	130	36	part	part	NOUN
ejge-10173	130	37	targets	target	VERB
ejge-10173	130	38	fintech	fintech	NOUN
ejge-10173	130	39	operations	operation	NOUN
ejge-10173	130	40	.	.	PUNCT
ejge-10173	131	1	the	the	DET
ejge-10173	131	2	survey	survey	NOUN
ejge-10173	131	3	was	be	AUX
ejge-10173	131	4	conducted	conduct	VERB
ejge-10173	131	5	online	online	ADV
ejge-10173	131	6	following	follow	VERB
ejge-10173	131	7	a	a	DET
ejge-10173	131	8	prior	prior	ADJ
ejge-10173	131	9	introduction	introduction	NOUN
ejge-10173	131	10	of	of	ADP
ejge-10173	131	11	the	the	DET
ejge-10173	131	12	research	research	NOUN
ejge-10173	131	13	objectives	objective	NOUN
ejge-10173	131	14	and	and	CCONJ
ejge-10173	131	15	a	a	DET
ejge-10173	131	16	brief	brief	ADJ
ejge-10173	131	17	explanation	explanation	NOUN
ejge-10173	131	18	of	of	ADP
ejge-10173	131	19	the	the	DET
ejge-10173	131	20	methodology	methodology	NOUN
ejge-10173	131	21	.	.	PUNCT
ejge-10173	132	1	after	after	ADP
ejge-10173	132	2	completing	complete	VERB
ejge-10173	132	3	the	the	DET
ejge-10173	132	4	survey	survey	NOUN
ejge-10173	132	5	,	,	PUNCT
ejge-10173	132	6	the	the	DET
ejge-10173	132	7	authors	author	NOUN
ejge-10173	132	8	conducted	conduct	VERB
ejge-10173	132	9	a	a	DET
ejge-10173	132	10	focus	focus	NOUN
ejge-10173	132	11	group	group	NOUN
ejge-10173	132	12	to	to	PART
ejge-10173	132	13	identify	identify	VERB
ejge-10173	132	14	the	the	DET
ejge-10173	132	15	challenges	challenge	NOUN
ejge-10173	132	16	,	,	PUNCT
ejge-10173	132	17	opportunities	opportunity	NOUN
ejge-10173	132	18	,	,	PUNCT
ejge-10173	132	19	necessary	necessary	ADJ
ejge-10173	132	20	policy	policy	NOUN
ejge-10173	132	21	implications	implication	NOUN
ejge-10173	132	22	,	,	PUNCT
ejge-10173	132	23	and	and	CCONJ
ejge-10173	132	24	future	future	ADJ
ejge-10173	132	25	trends	trend	NOUN
ejge-10173	132	26	in	in	ADP
ejge-10173	132	27	the	the	DET
ejge-10173	132	28	use	use	NOUN
ejge-10173	132	29	of	of	ADP
ejge-10173	132	30	fintech	fintech	NOUN
ejge-10173	132	31	.	.	PUNCT
ejge-10173	133	1	the	the	DET
ejge-10173	133	2	qualitative	qualitative	ADJ
ejge-10173	133	3	method	method	NOUN
ejge-10173	133	4	enabled	enable	VERB
ejge-10173	133	5	us	we	PRON
ejge-10173	133	6	to	to	PART
ejge-10173	133	7	gather	gather	VERB
ejge-10173	133	8	more	more	ADJ
ejge-10173	133	9	elaborative	elaborative	ADJ
ejge-10173	133	10	responses	response	NOUN
ejge-10173	133	11	so	so	SCONJ
ejge-10173	133	12	to	to	PART
ejge-10173	133	13	generate	generate	VERB
ejge-10173	133	14	meaningful	meaningful	ADJ
ejge-10173	133	15	insights	insight	NOUN
ejge-10173	133	16	into	into	ADP
ejge-10173	133	17	this	this	DET
ejge-10173	133	18	study	study	NOUN
ejge-10173	133	19	.	.	PUNCT
ejge-10173	134	1	population	population	NOUN
ejge-10173	134	2	and	and	CCONJ
ejge-10173	134	3	sample	sample	NOUN
ejge-10173	134	4	:	:	PUNCT
ejge-10173	134	5	the	the	DET
ejge-10173	134	6	population	population	NOUN
ejge-10173	134	7	is	be	AUX
ejge-10173	134	8	based	base	VERB
ejge-10173	134	9	on	on	ADP
ejge-10173	134	10	a	a	DET
ejge-10173	134	11	purposeful	purposeful	ADJ
ejge-10173	134	12	sample	sample	NOUN
ejge-10173	134	13	targeting	target	VERB
ejge-10173	134	14	enterprises	enterprise	NOUN
ejge-10173	134	15	operating	operate	VERB
ejge-10173	134	16	in	in	ADP
ejge-10173	134	17	the	the	DET
ejge-10173	134	18	western	western	ADJ
ejge-10173	134	19	balkan	balkan	ADJ
ejge-10173	134	20	region	region	NOUN
ejge-10173	134	21	that	that	PRON
ejge-10173	134	22	met	meet	VERB
ejge-10173	134	23	the	the	DET
ejge-10173	134	24	pre	pre	ADJ
ejge-10173	134	25	-	-	ADJ
ejge-10173	134	26	selection	selection	ADJ
ejge-10173	134	27	criteria	criterion	NOUN
ejge-10173	134	28	introduced	introduce	VERB
ejge-10173	134	29	in	in	ADP
ejge-10173	134	30	table	table	NOUN
ejge-10173	134	31	2	2	NUM
ejge-10173	134	32	.	.	PUNCT
ejge-10173	135	1	in	in	ADP
ejge-10173	135	2	addition	addition	NOUN
ejge-10173	135	3	to	to	ADP
ejge-10173	135	4	the	the	DET
ejge-10173	135	5	selection	selection	NOUN
ejge-10173	135	6	criteria	criterion	NOUN
ejge-10173	135	7	,	,	PUNCT
ejge-10173	135	8	the	the	DET
ejge-10173	135	9	enterprises	enterprise	NOUN
ejge-10173	135	10	were	be	AUX
ejge-10173	135	11	selected	select	VERB
ejge-10173	135	12	according	accord	VERB
ejge-10173	135	13	to	to	ADP
ejge-10173	135	14	the	the	DET
ejge-10173	135	15	gics	gic	NOUN
ejge-10173	135	16	2023	2023	NUM
ejge-10173	135	17	industry	industry	NOUN
ejge-10173	135	18	classification	classification	NOUN
ejge-10173	135	19	used	use	VERB
ejge-10173	135	20	in	in	ADP
ejge-10173	135	21	the	the	DET
ejge-10173	135	22	study	study	NOUN
ejge-10173	135	23	.	.	PUNCT
ejge-10173	136	1	to	to	PART
ejge-10173	136	2	continue	continue	VERB
ejge-10173	136	3	,	,	PUNCT
ejge-10173	136	4	participants	participant	NOUN
ejge-10173	136	5	in	in	ADP
ejge-10173	136	6	the	the	DET
ejge-10173	136	7	focus	focus	NOUN
ejge-10173	136	8	group	group	NOUN
ejge-10173	136	9	were	be	AUX
ejge-10173	136	10	selected	select	VERB
ejge-10173	136	11	randomly	randomly	ADV
ejge-10173	136	12	and	and	CCONJ
ejge-10173	136	13	included	include	VERB
ejge-10173	136	14	participants	participant	NOUN
ejge-10173	136	15	from	from	ADP
ejge-10173	136	16	all	all	DET
ejge-10173	136	17	western	western	ADJ
ejge-10173	136	18	balkan	balkan	ADJ
ejge-10173	136	19	countries	country	NOUN
ejge-10173	136	20	and	and	CCONJ
ejge-10173	136	21	industries	industry	NOUN
ejge-10173	136	22	included	include	VERB
ejge-10173	136	23	in	in	ADP
ejge-10173	136	24	the	the	DET
ejge-10173	136	25	study	study	NOUN
ejge-10173	136	26	.	.	PUNCT
ejge-10173	137	1	a	a	DET
ejge-10173	137	2	set	set	NOUN
ejge-10173	137	3	of	of	ADP
ejge-10173	137	4	closed	closed	ADJ
ejge-10173	137	5	and	and	CCONJ
ejge-10173	137	6	open	open	ADJ
ejge-10173	137	7	questions	question	NOUN
ejge-10173	137	8	were	be	AUX
ejge-10173	137	9	prepared	prepare	VERB
ejge-10173	137	10	for	for	ADP
ejge-10173	137	11	participants	participant	NOUN
ejge-10173	137	12	.	.	PUNCT
ejge-10173	138	1	implementation	implementation	NOUN
ejge-10173	138	2	procedure	procedure	NOUN
ejge-10173	138	3	:	:	PUNCT
ejge-10173	138	4	data	data	NOUN
ejge-10173	138	5	collection	collection	NOUN
ejge-10173	138	6	was	be	AUX
ejge-10173	138	7	a	a	DET
ejge-10173	138	8	transparent	transparent	ADJ
ejge-10173	138	9	and	and	CCONJ
ejge-10173	138	10	simple	simple	ADJ
ejge-10173	138	11	process	process	NOUN
ejge-10173	138	12	as	as	SCONJ
ejge-10173	138	13	respondents	respondent	NOUN
ejge-10173	138	14	are	be	AUX
ejge-10173	138	15	managers	manager	NOUN
ejge-10173	138	16	of	of	ADP
ejge-10173	138	17	enterprises	enterprise	NOUN
ejge-10173	138	18	and	and	CCONJ
ejge-10173	138	19	,	,	PUNCT
ejge-10173	138	20	therefore	therefore	ADV
ejge-10173	138	21	,	,	PUNCT
ejge-10173	138	22	aware	aware	ADJ
ejge-10173	138	23	of	of	ADP
ejge-10173	138	24	the	the	DET
ejge-10173	138	25	importance	importance	NOUN
ejge-10173	138	26	of	of	ADP
ejge-10173	138	27	the	the	DET
ejge-10173	138	28	research	research	NOUN
ejge-10173	138	29	process	process	NOUN
ejge-10173	138	30	and	and	CCONJ
ejge-10173	138	31	the	the	DET
ejge-10173	138	32	benchmarking	benchmarke	VERB
ejge-10173	138	33	instrument	instrument	NOUN
ejge-10173	138	34	.	.	PUNCT
ejge-10173	139	1	ethical	ethical	ADJ
ejge-10173	139	2	issues	issue	NOUN
ejge-10173	139	3	were	be	AUX
ejge-10173	139	4	considered	consider	VERB
ejge-10173	139	5	,	,	PUNCT
ejge-10173	139	6	such	such	ADJ
ejge-10173	139	7	as	as	ADP
ejge-10173	139	8	respondents	respondent	NOUN
ejge-10173	139	9	’	'	PUNCT
ejge-10173	139	10	anonymity	anonymity	NOUN
ejge-10173	139	11	and	and	CCONJ
ejge-10173	139	12	confidentiality	confidentiality	NOUN
ejge-10173	139	13	of	of	ADP
ejge-10173	139	14	the	the	DET
ejge-10173	139	15	enterprise	enterprise	NOUN
ejge-10173	139	16	information	information	NOUN
ejge-10173	139	17	.	.	PUNCT
ejge-10173	140	1	table	table	NOUN
ejge-10173	140	2	2	2	NUM
ejge-10173	140	3	:	:	PUNCT
ejge-10173	140	4	selection	selection	NOUN
ejge-10173	140	5	criteria	criterion	NOUN
ejge-10173	140	6	applied	apply	VERB
ejge-10173	140	7	for	for	ADP
ejge-10173	140	8	enterprises	enterprise	NOUN
ejge-10173	140	9	operating	operate	VERB
ejge-10173	140	10	in	in	ADP
ejge-10173	140	11	western	western	ADJ
ejge-10173	140	12	balkan	balkan	ADJ
ejge-10173	140	13	countries	country	NOUN
ejge-10173	140	14	.	.	PUNCT
ejge-10173	141	1	no	no	PRON
ejge-10173	141	2	.	.	PUNCT
ejge-10173	142	1	selection	selection	NOUN
ejge-10173	142	2	criteria	criterion	NOUN
ejge-10173	142	3	occurrence	occurrence	NOUN
ejge-10173	142	4	in	in	ADP
ejge-10173	142	5	the	the	DET
ejge-10173	142	6	sample	sample	NOUN
ejge-10173	142	7	size	size	NOUN
ejge-10173	142	8	1	1	NUM
ejge-10173	142	9	.	.	PUNCT
ejge-10173	143	1	turnover	turnover	NOUN
ejge-10173	143	2	of	of	ADP
ejge-10173	143	3	over	over	ADP
ejge-10173	143	4	5	5	NUM
ejge-10173	143	5	million	million	NUM
ejge-10173	143	6	/	/	SYM
ejge-10173	143	7	eur	eur	NOUN
ejge-10173	143	8	within	within	ADP
ejge-10173	143	9	the	the	DET
ejge-10173	143	10	last	last	ADJ
ejge-10173	143	11	three	three	NUM
ejge-10173	143	12	years	year	NOUN
ejge-10173	143	13	.	.	PUNCT
ejge-10173	144	1	•	•	NUM
ejge-10173	144	2	13	13	NUM
ejge-10173	144	3	%	%	NOUN
ejge-10173	144	4	of	of	ADP
ejge-10173	144	5	enterprises	enterprise	NOUN
ejge-10173	144	6	in	in	ADP
ejge-10173	144	7	the	the	DET
ejge-10173	144	8	sample	sample	NOUN
ejge-10173	144	9	have	have	VERB
ejge-10173	144	10	a	a	DET
ejge-10173	144	11	turnover	turnover	NOUN
ejge-10173	144	12	of	of	ADP
ejge-10173	144	13	over	over	ADP
ejge-10173	144	14	10	10	NUM
ejge-10173	144	15	million	million	NUM
ejge-10173	144	16	/eur	/eur	NOUN
ejge-10173	144	17	.	.	PUNCT
ejge-10173	145	1	•	•	NUM
ejge-10173	145	2	29	29	NUM
ejge-10173	145	3	%	%	NOUN
ejge-10173	145	4	of	of	ADP
ejge-10173	145	5	enterprises	enterprise	NOUN
ejge-10173	145	6	have	have	VERB
ejge-10173	145	7	a	a	DET
ejge-10173	145	8	turnover	turnover	NOUN
ejge-10173	145	9	between	between	ADP
ejge-10173	145	10	7	7	NUM
ejge-10173	145	11	-	-	SYM
ejge-10173	145	12	9	9	NUM
ejge-10173	145	13	million	million	NUM
ejge-10173	145	14	/	/	SYM
ejge-10173	145	15	eur	eur	NOUN
ejge-10173	145	16	.	.	NOUN
ejge-10173	145	17	•	•	NUM
ejge-10173	145	18	58	58	NUM
ejge-10173	145	19	%	%	NOUN
ejge-10173	145	20	of	of	ADP
ejge-10173	145	21	enterprises	enterprise	NOUN
ejge-10173	145	22	in	in	ADP
ejge-10173	145	23	the	the	DET
ejge-10173	145	24	sample	sample	NOUN
ejge-10173	145	25	have	have	VERB
ejge-10173	145	26	a	a	DET
ejge-10173	145	27	turnover	turnover	NOUN
ejge-10173	145	28	between	between	ADP
ejge-10173	145	29	5	5	NUM
ejge-10173	145	30	to	to	PART
ejge-10173	145	31	7	7	NUM
ejge-10173	145	32	million	million	NUM
ejge-10173	145	33	/	/	SYM
ejge-10173	145	34	eur	eur	NOUN
ejge-10173	145	35	.	.	NOUN
ejge-10173	146	1	2	2	X
ejge-10173	146	2	.	.	X
ejge-10173	146	3	over	over	ADP
ejge-10173	146	4	100	100	NUM
ejge-10173	146	5	+	+	NUM
ejge-10173	146	6	employees	employee	NOUN
ejge-10173	146	7	•	•	ADP
ejge-10173	146	8	11	11	NUM
ejge-10173	146	9	%	%	NOUN
ejge-10173	146	10	of	of	ADP
ejge-10173	146	11	enterprises	enterprise	NOUN
ejge-10173	146	12	have	have	VERB
ejge-10173	146	13	over	over	ADP
ejge-10173	146	14	250	250	NUM
ejge-10173	146	15	employees	employee	NOUN
ejge-10173	146	16	.	.	PUNCT
ejge-10173	147	1	•	•	NUM
ejge-10173	147	2	14	14	NUM
ejge-10173	147	3	%	%	NOUN
ejge-10173	147	4	of	of	ADP
ejge-10173	147	5	enterprises	enterprise	NOUN
ejge-10173	147	6	have	have	VERB
ejge-10173	147	7	between	between	ADP
ejge-10173	147	8	200	200	NUM
ejge-10173	147	9	-	-	SYM
ejge-10173	147	10	250	250	NUM
ejge-10173	147	11	employees	employee	NOUN
ejge-10173	147	12	.	.	PUNCT
ejge-10173	148	1	•	•	NUM
ejge-10173	148	2	32	32	NUM
ejge-10173	148	3	%	%	NOUN
ejge-10173	148	4	of	of	ADP
ejge-10173	148	5	enterprises	enterprise	NOUN
ejge-10173	148	6	have	have	VERB
ejge-10173	148	7	between	between	ADP
ejge-10173	148	8	150	150	NUM
ejge-10173	148	9	-	-	SYM
ejge-10173	148	10	200	200	NUM
ejge-10173	148	11	employees	employee	NOUN
ejge-10173	148	12	.	.	PUNCT
ejge-10173	149	1	•	•	NUM
ejge-10173	149	2	43	43	NUM
ejge-10173	149	3	%	%	NOUN
ejge-10173	149	4	of	of	ADP
ejge-10173	149	5	enterprises	enterprise	NOUN
ejge-10173	149	6	have	have	VERB
ejge-10173	149	7	between	between	ADP
ejge-10173	149	8	100	100	NUM
ejge-10173	149	9	-	-	SYM
ejge-10173	149	10	150	150	NUM
ejge-10173	149	11	employees	employee	NOUN
ejge-10173	149	12	.	.	PUNCT
ejge-10173	150	1	3	3	X
ejge-10173	150	2	.	.	X
ejge-10173	150	3	provision	provision	NOUN
ejge-10173	150	4	of	of	ADP
ejge-10173	150	5	services	service	NOUN
ejge-10173	150	6	in	in	ADP
ejge-10173	150	7	at	at	ADV
ejge-10173	150	8	least	least	ADV
ejge-10173	150	9	two	two	NUM
ejge-10173	150	10	international	international	ADJ
ejge-10173	150	11	markets	market	NOUN
ejge-10173	150	12	like	like	ADP
ejge-10173	150	13	the	the	DET
ejge-10173	150	14	european	european	PROPN
ejge-10173	150	15	union	union	PROPN
ejge-10173	150	16	,	,	PUNCT
ejge-10173	150	17	the	the	DET
ejge-10173	150	18	united	united	PROPN
ejge-10173	150	19	states	states	PROPN
ejge-10173	150	20	,	,	PUNCT
ejge-10173	150	21	etc	etc	X
ejge-10173	150	22	.	.	X
ejge-10173	151	1	•	•	NUM
ejge-10173	151	2	22	22	NUM
ejge-10173	151	3	%	%	NOUN
ejge-10173	151	4	of	of	ADP
ejge-10173	151	5	enterprises	enterprise	NOUN
ejge-10173	151	6	provide	provide	VERB
ejge-10173	151	7	services	service	NOUN
ejge-10173	151	8	to	to	ADP
ejge-10173	151	9	the	the	DET
ejge-10173	151	10	regional	regional	ADJ
ejge-10173	151	11	,	,	PUNCT
ejge-10173	151	12	european	european	ADJ
ejge-10173	151	13	,	,	PUNCT
ejge-10173	151	14	and	and	CCONJ
ejge-10173	151	15	united	united	PROPN
ejge-10173	151	16	states	states	PROPN
ejge-10173	151	17	markets	market	NOUN
ejge-10173	151	18	.	.	PUNCT
ejge-10173	152	1	•	•	NUM
ejge-10173	152	2	67	67	NUM
ejge-10173	152	3	%	%	NOUN
ejge-10173	152	4	of	of	ADP
ejge-10173	152	5	enterprises	enterprise	NOUN
ejge-10173	152	6	provide	provide	VERB
ejge-10173	152	7	services	service	NOUN
ejge-10173	152	8	to	to	ADP
ejge-10173	152	9	the	the	DET
ejge-10173	152	10	regional	regional	ADJ
ejge-10173	152	11	and	and	CCONJ
ejge-10173	152	12	the	the	DET
ejge-10173	152	13	european	european	ADJ
ejge-10173	152	14	market	market	NOUN
ejge-10173	152	15	.	.	PUNCT
ejge-10173	153	1	•	•	NUM
ejge-10173	153	2	11	11	NUM
ejge-10173	153	3	%	%	NOUN
ejge-10173	153	4	of	of	ADP
ejge-10173	153	5	enterprises	enterprise	NOUN
ejge-10173	153	6	provide	provide	VERB
ejge-10173	153	7	services	service	NOUN
ejge-10173	153	8	only	only	ADV
ejge-10173	153	9	to	to	ADP
ejge-10173	153	10	the	the	DET
ejge-10173	153	11	regional	regional	ADJ
ejge-10173	153	12	market	market	NOUN
ejge-10173	153	13	.	.	PUNCT
ejge-10173	154	1	4	4	X
ejge-10173	154	2	.	.	X
ejge-10173	154	3	the	the	DET
ejge-10173	154	4	number	number	NOUN
ejge-10173	154	5	of	of	ADP
ejge-10173	154	6	�	�	PROPN
ejge-10173	154	7	intech	intech	PROPN
ejge-10173	154	8	solutions	solution	NOUN
ejge-10173	154	9	implemented	implement	VERB
ejge-10173	154	10	within	within	ADP
ejge-10173	154	11	the	the	DET
ejge-10173	154	12	last	last	ADJ
ejge-10173	154	13	5	5	NUM
ejge-10173	154	14	years	year	NOUN
ejge-10173	154	15	.	.	PUNCT
ejge-10173	155	1	•	•	NUM
ejge-10173	155	2	12	12	NUM
ejge-10173	155	3	%	%	NOUN
ejge-10173	155	4	of	of	ADP
ejge-10173	155	5	enterprises	enterprise	NOUN
ejge-10173	155	6	have	have	VERB
ejge-10173	155	7	over	over	ADP
ejge-10173	155	8	5	5	NUM
ejge-10173	155	9	fintech	fintech	NOUN
ejge-10173	155	10	investments	investment	NOUN
ejge-10173	155	11	.	.	PUNCT
ejge-10173	156	1	•	•	NUM
ejge-10173	156	2	36	36	NUM
ejge-10173	156	3	%	%	NOUN
ejge-10173	156	4	of	of	ADP
ejge-10173	156	5	enterprises	enterprise	NOUN
ejge-10173	156	6	have	have	AUX
ejge-10173	156	7	made	make	VERB
ejge-10173	156	8	between	between	ADP
ejge-10173	156	9	3	3	NUM
ejge-10173	156	10	to	to	PART
ejge-10173	156	11	5	5	NUM
ejge-10173	156	12	fintech	fintech	NOUN
ejge-10173	156	13	investments	investment	NOUN
ejge-10173	156	14	.	.	PUNCT
ejge-10173	157	1	•	•	NUM
ejge-10173	157	2	52	52	NUM
ejge-10173	157	3	%	%	NOUN
ejge-10173	157	4	of	of	ADP
ejge-10173	157	5	enterprises	enterprise	NOUN
ejge-10173	157	6	have	have	AUX
ejge-10173	157	7	made	make	VERB
ejge-10173	157	8	up	up	ADP
ejge-10173	157	9	to	to	PART
ejge-10173	157	10	3	3	NUM
ejge-10173	157	11	fintech	fintech	NOUN
ejge-10173	157	12	investments	investment	NOUN
ejge-10173	157	13	.	.	PUNCT
ejge-10173	158	1	source	source	NOUN
ejge-10173	158	2	:	:	PUNCT
ejge-10173	158	3	prepared	prepare	VERB
ejge-10173	158	4	by	by	ADP
ejge-10173	158	5	authors	author	NOUN
ejge-10173	158	6	unlocking	unlock	VERB
ejge-10173	158	7	regional	regional	ADJ
ejge-10173	158	8	value	value	NOUN
ejge-10173	158	9	chains	chain	NOUN
ejge-10173	158	10	table	table	VERB
ejge-10173	158	11	3	3	NUM
ejge-10173	158	12	:	:	PUNCT
ejge-10173	158	13	enterprise	enterprise	NOUN
ejge-10173	158	14	classification	classification	NOUN
ejge-10173	158	15	according	accord	VERB
ejge-10173	158	16	to	to	ADP
ejge-10173	158	17	gics	gic	NOUN
ejge-10173	158	18	,	,	PUNCT
ejge-10173	158	19	2023	2023	NUM
ejge-10173	158	20	no	no	NOUN
ejge-10173	158	21	.	.	PUNCT
ejge-10173	159	1	industry	industry	NOUN
ejge-10173	159	2	subindustry	subindustry	ADJ
ejge-10173	159	3	number	number	NOUN
ejge-10173	159	4	of	of	ADP
ejge-10173	159	5	enterprises	enterprise	NOUN
ejge-10173	159	6	subindustry	subindustry	ADJ
ejge-10173	159	7	level	level	NOUN
ejge-10173	159	8	total	total	ADJ
ejge-10173	159	9	number	number	NOUN
ejge-10173	159	10	of	of	ADP
ejge-10173	159	11	enterprises	enterprise	NOUN
ejge-10173	159	12	1	1	NUM
ejge-10173	159	13	.	.	PUNCT
ejge-10173	160	1	consumer	consumer	NOUN
ejge-10173	160	2	discretionary	discretionary	ADJ
ejge-10173	160	3	distribution	distribution	NOUN
ejge-10173	160	4	&	&	CCONJ
ejge-10173	160	5	retail	retail	ADJ
ejge-10173	160	6	automotive	automotive	ADJ
ejge-10173	160	7	retail	retail	ADJ
ejge-10173	160	8	21	21	NUM
ejge-10173	160	9	248	248	NUM
ejge-10173	160	10	apparel	apparel	NOUN
ejge-10173	160	11	retail	retail	ADJ
ejge-10173	160	12	64	64	NUM
ejge-10173	160	13	computer	computer	NOUN
ejge-10173	160	14	&	&	CCONJ
ejge-10173	160	15	electronics	electronics	PROPN
ejge-10173	160	16	retail	retail	PROPN
ejge-10173	160	17	37	37	NUM
ejge-10173	160	18	home	home	NOUN
ejge-10173	160	19	improvement	improvement	NOUN
ejge-10173	160	20	retail	retail	ADJ
ejge-10173	160	21	18	18	NUM
ejge-10173	160	22	home	home	NOUN
ejge-10173	160	23	furnishing	furnish	VERB
ejge-10173	160	24	retail	retail	ADJ
ejge-10173	160	25	26	26	NUM
ejge-10173	160	26	food	food	NOUN
ejge-10173	160	27	distributors	distributor	NOUN
ejge-10173	160	28	49	49	NUM
ejge-10173	160	29	food	food	NOUN
ejge-10173	160	30	retail	retail	NOUN
ejge-10173	160	31	33	33	NUM
ejge-10173	160	32	2	2	NUM
ejge-10173	160	33	.	.	PUNCT
ejge-10173	160	34	customer	customer	NOUN
ejge-10173	160	35	services	service	NOUN
ejge-10173	160	36	hotels	hotel	NOUN
ejge-10173	160	37	,	,	PUNCT
ejge-10173	160	38	resorts	resort	NOUN
ejge-10173	160	39	&	&	CCONJ
ejge-10173	160	40	cruise	cruise	PROPN
ejge-10173	160	41	lines	line	NOUN
ejge-10173	160	42	59	59	NUM
ejge-10173	160	43	122	122	NUM
ejge-10173	160	44	leisure	leisure	NOUN
ejge-10173	160	45	facilities	facility	NOUN
ejge-10173	160	46	13	13	NUM
ejge-10173	160	47	restaurants	restaurant	NOUN
ejge-10173	160	48	35	35	NUM
ejge-10173	160	49	education	education	NOUN
ejge-10173	160	50	services	service	NOUN
ejge-10173	160	51	17	17	NUM
ejge-10173	160	52	source	source	NOUN
ejge-10173	160	53	:	:	PUNCT
ejge-10173	160	54	prepared	prepare	VERB
ejge-10173	160	55	by	by	ADP
ejge-10173	160	56	authors	author	NOUN
ejge-10173	160	57	enterprises	enterprise	NOUN
ejge-10173	160	58	in	in	ADP
ejge-10173	160	59	the	the	DET
ejge-10173	160	60	sample	sample	NOUN
ejge-10173	160	61	are	be	AUX
ejge-10173	160	62	categorized	categorize	VERB
ejge-10173	160	63	into	into	ADP
ejge-10173	160	64	industries	industry	NOUN
ejge-10173	160	65	and	and	CCONJ
ejge-10173	160	66	subindustries	subindustrie	NOUN
ejge-10173	160	67	to	to	PART
ejge-10173	160	68	obtain	obtain	VERB
ejge-10173	160	69	a	a	DET
ejge-10173	160	70	more	more	ADV
ejge-10173	160	71	granular	granular	ADJ
ejge-10173	160	72	analysis	analysis	NOUN
ejge-10173	160	73	for	for	ADP
ejge-10173	160	74	a	a	DET
ejge-10173	160	75	specific	specific	ADJ
ejge-10173	160	76	industry	industry	NOUN
ejge-10173	160	77	.	.	PUNCT
ejge-10173	161	1	this	this	DET
ejge-10173	161	2	way	way	NOUN
ejge-10173	161	3	,	,	PUNCT
ejge-10173	161	4	it	it	PRON
ejge-10173	161	5	will	will	AUX
ejge-10173	161	6	be	be	AUX
ejge-10173	161	7	able	able	ADJ
ejge-10173	161	8	to	to	PART
ejge-10173	161	9	identify	identify	VERB
ejge-10173	161	10	the	the	DET
ejge-10173	161	11	industry	industry	NOUN
ejge-10173	161	12	trends	trend	NOUN
ejge-10173	161	13	based	base	VERB
ejge-10173	161	14	on	on	ADP
ejge-10173	161	15	the	the	DET
ejge-10173	161	16	enterprise	enterprise	NOUN
ejge-10173	161	17	application	application	NOUN
ejge-10173	161	18	of	of	ADP
ejge-10173	161	19	fintech	fintech	NOUN
ejge-10173	161	20	solutions	solution	NOUN
ejge-10173	161	21	.	.	PUNCT
ejge-10173	162	1	their	their	PRON
ejge-10173	162	2	activity	activity	NOUN
ejge-10173	162	3	is	be	AUX
ejge-10173	162	4	identified	identify	VERB
ejge-10173	162	5	based	base	VERB
ejge-10173	162	6	on	on	ADP
ejge-10173	162	7	responses	response	NOUN
ejge-10173	162	8	from	from	ADP
ejge-10173	162	9	the	the	DET
ejge-10173	162	10	management	management	NOUN
ejge-10173	162	11	obtained	obtain	VERB
ejge-10173	162	12	through	through	ADP
ejge-10173	162	13	the	the	DET
ejge-10173	162	14	large	large	ADJ
ejge-10173	162	15	-	-	PUNCT
ejge-10173	162	16	scale	scale	NOUN
ejge-10173	162	17	survey	survey	NOUN
ejge-10173	162	18	.	.	PUNCT
ejge-10173	163	1	the	the	DET
ejge-10173	163	2	final	final	ADJ
ejge-10173	163	3	categorization	categorization	NOUN
ejge-10173	163	4	of	of	ADP
ejge-10173	163	5	the	the	DET
ejge-10173	163	6	operational	operational	ADJ
ejge-10173	163	7	activity	activity	NOUN
ejge-10173	163	8	is	be	AUX
ejge-10173	163	9	presented	present	VERB
ejge-10173	163	10	in	in	ADP
ejge-10173	163	11	table	table	NOUN
ejge-10173	163	12	3	3	NUM
ejge-10173	163	13	based	base	VERB
ejge-10173	163	14	on	on	ADP
ejge-10173	163	15	the	the	DET
ejge-10173	163	16	global	global	ADJ
ejge-10173	163	17	industry	industry	NOUN
ejge-10173	163	18	classification	classification	NOUN
ejge-10173	163	19	standard	standard	NOUN
ejge-10173	163	20	(	(	PUNCT
ejge-10173	163	21	gics	gic	NOUN
ejge-10173	163	22	)	)	PUNCT
ejge-10173	163	23	4	4	NUM
ejge-10173	163	24	developed	develop	VERB
ejge-10173	163	25	by	by	ADP
ejge-10173	163	26	msci	msci	PROPN
ejge-10173	163	27	and	and	CCONJ
ejge-10173	163	28	standard	standard	NOUN
ejge-10173	163	29	and	and	CCONJ
ejge-10173	163	30	poor	poor	ADJ
ejge-10173	163	31	in	in	ADP
ejge-10173	163	32	two	two	NUM
ejge-10173	163	33	main	main	ADJ
ejge-10173	163	34	categories	category	NOUN
ejge-10173	163	35	:	:	PUNCT
ejge-10173	163	36	consumer	consumer	NOUN
ejge-10173	163	37	discretionary	discretionary	ADJ
ejge-10173	163	38	distribution	distribution	NOUN
ejge-10173	163	39	and	and	CCONJ
ejge-10173	163	40	retail	retail	ADJ
ejge-10173	163	41	and	and	CCONJ
ejge-10173	163	42	customer	customer	NOUN
ejge-10173	163	43	services	service	NOUN
ejge-10173	163	44	.	.	PUNCT
ejge-10173	164	1	initially	initially	ADV
ejge-10173	164	2	,	,	PUNCT
ejge-10173	164	3	for	for	ADP
ejge-10173	164	4	every	every	DET
ejge-10173	164	5	enterprise	enterprise	NOUN
ejge-10173	164	6	,	,	PUNCT
ejge-10173	164	7	each	each	DET
ejge-10173	164	8	financial	financial	ADJ
ejge-10173	164	9	ratio	ratio	NOUN
ejge-10173	164	10	is	be	AUX
ejge-10173	164	11	calculated	calculate	VERB
ejge-10173	164	12	for	for	ADP
ejge-10173	164	13	five	five	NUM
ejge-10173	164	14	years	year	NOUN
ejge-10173	164	15	.	.	PUNCT
ejge-10173	165	1	the	the	DET
ejge-10173	165	2	formulae	formulae	NOUN
ejge-10173	165	3	applied	apply	VERB
ejge-10173	165	4	are	be	AUX
ejge-10173	165	5	presented	present	VERB
ejge-10173	165	6	in	in	ADP
ejge-10173	165	7	table	table	NOUN
ejge-10173	165	8	4	4	NUM
ejge-10173	165	9	.	.	PUNCT
ejge-10173	165	10	enterprises	enterprise	NOUN
ejge-10173	165	11	in	in	ADP
ejge-10173	165	12	the	the	DET
ejge-10173	165	13	sample	sample	NOUN
ejge-10173	165	14	are	be	AUX
ejge-10173	165	15	categorized	categorize	VERB
ejge-10173	165	16	into	into	ADP
ejge-10173	165	17	industries	industry	NOUN
ejge-10173	165	18	and	and	CCONJ
ejge-10173	165	19	subindustries	subindustrie	NOUN
ejge-10173	165	20	to	to	PART
ejge-10173	165	21	obtain	obtain	VERB
ejge-10173	165	22	a	a	DET
ejge-10173	165	23	more	more	ADV
ejge-10173	165	24	granular	granular	ADJ
ejge-10173	165	25	analysis	analysis	NOUN
ejge-10173	165	26	for	for	ADP
ejge-10173	165	27	a	a	DET
ejge-10173	165	28	specific	specific	ADJ
ejge-10173	165	29	industry	industry	NOUN
ejge-10173	165	30	.	.	PUNCT
ejge-10173	166	1	this	this	DET
ejge-10173	166	2	way	way	NOUN
ejge-10173	166	3	,	,	PUNCT
ejge-10173	166	4	it	it	PRON
ejge-10173	166	5	will	will	AUX
ejge-10173	166	6	be	be	AUX
ejge-10173	166	7	able	able	ADJ
ejge-10173	166	8	to	to	PART
ejge-10173	166	9	identify	identify	VERB
ejge-10173	166	10	the	the	DET
ejge-10173	166	11	industry	industry	NOUN
ejge-10173	166	12	trends	trend	NOUN
ejge-10173	166	13	based	base	VERB
ejge-10173	166	14	on	on	ADP
ejge-10173	166	15	the	the	DET
ejge-10173	166	16	enterprise	enterprise	NOUN
ejge-10173	166	17	application	application	NOUN
ejge-10173	166	18	of	of	ADP
ejge-10173	166	19	fintech	fintech	NOUN
ejge-10173	166	20	solutions	solution	NOUN
ejge-10173	166	21	.	.	PUNCT
ejge-10173	167	1	their	their	PRON
ejge-10173	167	2	activity	activity	NOUN
ejge-10173	167	3	is	be	AUX
ejge-10173	167	4	identified	identify	VERB
ejge-10173	167	5	based	base	VERB
ejge-10173	167	6	on	on	ADP
ejge-10173	167	7	responses	response	NOUN
ejge-10173	167	8	from	from	ADP
ejge-10173	167	9	the	the	DET
ejge-10173	167	10	management	management	NOUN
ejge-10173	167	11	obtained	obtain	VERB
ejge-10173	167	12	through	through	ADP
ejge-10173	167	13	the	the	DET
ejge-10173	167	14	large	large	ADJ
ejge-10173	167	15	-	-	PUNCT
ejge-10173	167	16	scale	scale	NOUN
ejge-10173	167	17	survey	survey	NOUN
ejge-10173	167	18	.	.	PUNCT
ejge-10173	168	1	the	the	DET
ejge-10173	168	2	final	final	ADJ
ejge-10173	168	3	categorization	categorization	NOUN
ejge-10173	168	4	of	of	ADP
ejge-10173	168	5	the	the	DET
ejge-10173	168	6	operational	operational	ADJ
ejge-10173	168	7	activity	activity	NOUN
ejge-10173	168	8	is	be	AUX
ejge-10173	168	9	presented	present	VERB
ejge-10173	168	10	in	in	ADP
ejge-10173	168	11	table	table	NOUN
ejge-10173	168	12	3	3	NUM
ejge-10173	168	13	based	base	VERB
ejge-10173	168	14	on	on	ADP
ejge-10173	168	15	the	the	DET
ejge-10173	168	16	global	global	ADJ
ejge-10173	168	17	industry	industry	NOUN
ejge-10173	168	18	classification	classification	NOUN
ejge-10173	168	19	standard	standard	NOUN
ejge-10173	168	20	(	(	PUNCT
ejge-10173	168	21	gics	gic	NOUN
ejge-10173	168	22	)	)	PUNCT
ejge-10173	168	23	5	5	NUM
ejge-10173	168	24	developed	develop	VERB
ejge-10173	168	25	by	by	ADP
ejge-10173	168	26	msci	msci	PROPN
ejge-10173	168	27	and	and	CCONJ
ejge-10173	168	28	standard	standard	NOUN
ejge-10173	168	29	and	and	CCONJ
ejge-10173	168	30	poor	poor	ADJ
ejge-10173	168	31	in	in	ADP
ejge-10173	168	32	two	two	NUM
ejge-10173	168	33	main	main	ADJ
ejge-10173	168	34	categories	category	NOUN
ejge-10173	168	35	:	:	PUNCT
ejge-10173	168	36	consumer	consumer	NOUN
ejge-10173	168	37	discretionary	discretionary	ADJ
ejge-10173	168	38	distribution	distribution	NOUN
ejge-10173	168	39	and	and	CCONJ
ejge-10173	168	40	retail	retail	ADJ
ejge-10173	168	41	and	and	CCONJ
ejge-10173	168	42	customer	customer	NOUN
ejge-10173	168	43	services	service	NOUN
ejge-10173	168	44	.	.	PUNCT
ejge-10173	169	1	initially	initially	ADV
ejge-10173	169	2	,	,	PUNCT
ejge-10173	169	3	for	for	ADP
ejge-10173	169	4	every	every	DET
ejge-10173	169	5	enterprise	enterprise	NOUN
ejge-10173	169	6	,	,	PUNCT
ejge-10173	169	7	each	each	DET
ejge-10173	169	8	financial	financial	ADJ
ejge-10173	169	9	ratio	ratio	NOUN
ejge-10173	169	10	is	be	AUX
ejge-10173	169	11	calculated	calculate	VERB
ejge-10173	169	12	for	for	ADP
ejge-10173	169	13	five	five	NUM
ejge-10173	169	14	years	year	NOUN
ejge-10173	169	15	.	.	PUNCT
ejge-10173	170	1	the	the	DET
ejge-10173	170	2	formulae	formulae	NOUN
ejge-10173	170	3	applied	apply	VERB
ejge-10173	170	4	are	be	AUX
ejge-10173	170	5	presented	present	VERB
ejge-10173	170	6	in	in	ADP
ejge-10173	170	7	table	table	NOUN
ejge-10173	170	8	4	4	NUM
ejge-10173	170	9	.	.	SYM
ejge-10173	170	10	4	4	NUM
ejge-10173	170	11	please	please	INTJ
ejge-10173	170	12	refer	refer	VERB
ejge-10173	170	13	to	to	ADP
ejge-10173	170	14	the	the	DET
ejge-10173	170	15	official	official	ADJ
ejge-10173	170	16	website	website	NOUN
ejge-10173	170	17	for	for	ADP
ejge-10173	170	18	the	the	DET
ejge-10173	170	19	latest	late	ADJ
ejge-10173	170	20	classification	classification	NOUN
ejge-10173	170	21	of	of	ADP
ejge-10173	170	22	enterprises	enterprise	NOUN
ejge-10173	170	23	introduced	introduce	VERB
ejge-10173	170	24	in	in	ADP
ejge-10173	170	25	july	july	PROPN
ejge-10173	170	26	2023	2023	NUM
ejge-10173	170	27	https://www.msci.com/our-solutions/indexes/gics	https://www.msci.com/our-solutions/indexes/gics	PROPN
ejge-10173	170	28	5	5	NUM
ejge-10173	170	29	please	please	INTJ
ejge-10173	170	30	refer	refer	VERB
ejge-10173	170	31	to	to	ADP
ejge-10173	170	32	the	the	DET
ejge-10173	170	33	official	official	ADJ
ejge-10173	170	34	website	website	NOUN
ejge-10173	170	35	for	for	ADP
ejge-10173	170	36	the	the	DET
ejge-10173	170	37	latest	late	ADJ
ejge-10173	170	38	classification	classification	NOUN
ejge-10173	170	39	of	of	ADP
ejge-10173	170	40	enterprises	enterprise	NOUN
ejge-10173	170	41	introduced	introduce	VERB
ejge-10173	170	42	in	in	ADP
ejge-10173	170	43	july	july	PROPN
ejge-10173	170	44	2023	2023	NUM
ejge-10173	170	45	https://www.msci.com/our-solutions/indexes/gics	https://www.msci.com/our-solutions/indexes/gics	PROPN
ejge-10173	170	46	https://www.msci.com/our-solutions/indexes/gics	https://www.msci.com/our-solutions/indexes/gics	PROPN
ejge-10173	170	47	https://www.msci.com/our-solutions/indexes/gics	https://www.msci.com/our-solutions/indexes/gics	PROPN
ejge-10173	170	48	214	214	NUM
ejge-10173	170	49	gentjan	gentjan	NOUN
ejge-10173	170	50	shaquiri	shaquiri	NOUN
ejge-10173	170	51	et	et	PROPN
ejge-10173	170	52	al	al	PROPN
ejge-10173	170	53	.	.	PROPN
ejge-10173	170	54	table	table	NOUN
ejge-10173	170	55	4	4	NUM
ejge-10173	170	56	:	:	PUNCT
ejge-10173	171	1	financial	financial	ADJ
ejge-10173	171	2	indicators	indicator	NOUN
ejge-10173	171	3	used	use	VERB
ejge-10173	171	4	to	to	PART
ejge-10173	171	5	evaluate	evaluate	VERB
ejge-10173	171	6	the	the	DET
ejge-10173	171	7	degree	degree	NOUN
ejge-10173	171	8	of	of	ADP
ejge-10173	171	9	fintech	fintech	NOUN
ejge-10173	171	10	applications	application	NOUN
ejge-10173	171	11	in	in	ADP
ejge-10173	171	12	enterprises	enterprise	NOUN
ejge-10173	171	13	operating	operate	VERB
ejge-10173	171	14	in	in	ADP
ejge-10173	171	15	the	the	DET
ejge-10173	171	16	western	western	ADJ
ejge-10173	171	17	balkan	balkan	ADJ
ejge-10173	171	18	region	region	NOUN
ejge-10173	171	19	.	.	PUNCT
ejge-10173	172	1	no	no	INTJ
ejge-10173	172	2	.	.	PUNCT
ejge-10173	173	1	financial	financial	ADJ
ejge-10173	173	2	indicator	indicator	NOUN
ejge-10173	173	3	formula	formula	NOUN
ejge-10173	173	4	explanation	explanation	NOUN
ejge-10173	173	5	1	1	NUM
ejge-10173	173	6	.	.	PUNCT
ejge-10173	174	1	asset	asset	NOUN
ejge-10173	174	2	turnover	turnover	NOUN
ejge-10173	174	3	from	from	ADP
ejge-10173	174	4	fintech	fintech	NOUN
ejge-10173	174	5	assets	asset	NOUN
ejge-10173	174	6	•	•	NOUN
ejge-10173	174	7	asset	asset	NOUN
ejge-10173	174	8	turnover	turnover	NOUN
ejge-10173	174	9	=	=	PUNCT
ejge-10173	174	10	total	total	ADJ
ejge-10173	174	11	sales	sale	NOUN
ejge-10173	174	12	generated	generate	VERB
ejge-10173	174	13	from	from	ADP
ejge-10173	174	14	fintech	fintech	NOUN
ejge-10173	174	15	assets	asset	NOUN
ejge-10173	174	16	/	/	SYM
ejge-10173	174	17	average	average	ADJ
ejge-10173	174	18	total	total	ADJ
ejge-10173	174	19	assets	asset	NOUN
ejge-10173	174	20	asset	asset	NOUN
ejge-10173	174	21	turnover	turnover	NOUN
ejge-10173	174	22	ratio	ratio	NOUN
ejge-10173	174	23	measures	measure	VERB
ejge-10173	174	24	the	the	DET
ejge-10173	174	25	value	value	NOUN
ejge-10173	174	26	of	of	ADP
ejge-10173	174	27	sales	sale	NOUN
ejge-10173	174	28	or	or	CCONJ
ejge-10173	174	29	revenues	revenue	NOUN
ejge-10173	174	30	generated	generate	VERB
ejge-10173	174	31	relative	relative	ADJ
ejge-10173	174	32	to	to	ADP
ejge-10173	174	33	the	the	DET
ejge-10173	174	34	value	value	NOUN
ejge-10173	174	35	of	of	ADP
ejge-10173	174	36	its	its	PRON
ejge-10173	174	37	assets	asset	NOUN
ejge-10173	174	38	.	.	PUNCT
ejge-10173	175	1	2	2	X
ejge-10173	175	2	.	.	X
ejge-10173	175	3	investment	investment	NOUN
ejge-10173	175	4	turnover	turnover	NOUN
ejge-10173	175	5	from	from	ADP
ejge-10173	175	6	fintech	fintech	NOUN
ejge-10173	175	7	investments	investment	NOUN
ejge-10173	175	8	•	•	NOUN
ejge-10173	175	9	revenues	revenue	NOUN
ejge-10173	175	10	generated	generate	VERB
ejge-10173	175	11	from	from	ADP
ejge-10173	175	12	fintech	fintech	NOUN
ejge-10173	175	13	solutions/	solutions/	NUM
ejge-10173	175	14	(	(	PUNCT
ejge-10173	175	15	stockholders	stockholder	NOUN
ejge-10173	175	16	'	'	PART
ejge-10173	175	17	equity	equity	NOUN
ejge-10173	175	18	+	+	CCONJ
ejge-10173	175	19	debt	debt	NOUN
ejge-10173	175	20	)	)	PUNCT
ejge-10173	175	21	the	the	DET
ejge-10173	175	22	investment	investment	NOUN
ejge-10173	175	23	turnover	turnover	NOUN
ejge-10173	175	24	indicates	indicate	VERB
ejge-10173	175	25	how	how	SCONJ
ejge-10173	175	26	effectively	effectively	ADV
ejge-10173	175	27	an	an	DET
ejge-10173	175	28	enterprise	enterprise	NOUN
ejge-10173	175	29	uses	use	VERB
ejge-10173	175	30	its	its	PRON
ejge-10173	175	31	resources	resource	NOUN
ejge-10173	175	32	to	to	PART
ejge-10173	175	33	generate	generate	VERB
ejge-10173	175	34	revenues	revenue	NOUN
ejge-10173	175	35	.	.	PUNCT
ejge-10173	176	1	3	3	X
ejge-10173	176	2	.	.	X
ejge-10173	176	3	account	account	NOUN
ejge-10173	176	4	receivables	receivables	NOUN
ejge-10173	176	5	turnover	turnover	NOUN
ejge-10173	176	6	(	(	PUNCT
ejge-10173	176	7	days	day	NOUN
ejge-10173	176	8	)	)	PUNCT
ejge-10173	176	9	•	•	NUM
ejge-10173	176	10	account	account	NOUN
ejge-10173	176	11	receivables	receivables	NOUN
ejge-10173	176	12	turnover=	turnover=	NUM
ejge-10173	176	13	net	net	ADJ
ejge-10173	176	14	annual	annual	ADJ
ejge-10173	176	15	credit	credit	NOUN
ejge-10173	176	16	sales	sale	NOUN
ejge-10173	176	17	generated	generate	VERB
ejge-10173	176	18	from	from	ADP
ejge-10173	176	19	fintech	fintech	NOUN
ejge-10173	176	20	solutions/	solutions/	NUM
ejge-10173	176	21	average	average	ADJ
ejge-10173	176	22	accounts	account	NOUN
ejge-10173	176	23	receivables	receivables	NOUN
ejge-10173	176	24	•	•	NOUN
ejge-10173	176	25	account	account	NOUN
ejge-10173	176	26	receivables	receivables	NOUN
ejge-10173	176	27	turnover/365	turnover/365	VERB
ejge-10173	176	28	days	day	NOUN
ejge-10173	176	29	the	the	DET
ejge-10173	176	30	accounts	account	NOUN
ejge-10173	176	31	receivables	receivable	VERB
ejge-10173	176	32	turnover	turnover	NOUN
ejge-10173	176	33	ratio	ratio	NOUN
ejge-10173	176	34	measures	measure	NOUN
ejge-10173	176	35	the	the	DET
ejge-10173	176	36	number	number	NOUN
ejge-10173	176	37	of	of	ADP
ejge-10173	176	38	times	time	NOUN
ejge-10173	176	39	an	an	DET
ejge-10173	176	40	enterprise	enterprise	NOUN
ejge-10173	176	41	collects	collect	VERB
ejge-10173	176	42	its	its	PRON
ejge-10173	176	43	average	average	ADJ
ejge-10173	176	44	accounts	account	NOUN
ejge-10173	176	45	receivable	receivable	ADJ
ejge-10173	176	46	.	.	PUNCT
ejge-10173	177	1	it	it	PRON
ejge-10173	177	2	measures	measure	VERB
ejge-10173	177	3	the	the	DET
ejge-10173	177	4	efficiency	efficiency	NOUN
ejge-10173	177	5	of	of	ADP
ejge-10173	177	6	an	an	DET
ejge-10173	177	7	enterprise	enterprise	NOUN
ejge-10173	177	8	in	in	ADP
ejge-10173	177	9	collecting	collect	VERB
ejge-10173	177	10	outstanding	outstanding	ADJ
ejge-10173	177	11	balances	balance	NOUN
ejge-10173	177	12	from	from	ADP
ejge-10173	177	13	clients	client	NOUN
ejge-10173	177	14	and	and	CCONJ
ejge-10173	177	15	managing	manage	VERB
ejge-10173	177	16	its	its	PRON
ejge-10173	177	17	line	line	NOUN
ejge-10173	177	18	of	of	ADP
ejge-10173	177	19	credit	credit	NOUN
ejge-10173	177	20	process	process	NOUN
ejge-10173	177	21	.	.	PUNCT
ejge-10173	178	1	4	4	X
ejge-10173	178	2	.	.	X
ejge-10173	178	3	account	account	NOUN
ejge-10173	178	4	payables	payable	NOUN
ejge-10173	178	5	turnover	turnover	NOUN
ejge-10173	178	6	(	(	PUNCT
ejge-10173	178	7	days	day	NOUN
ejge-10173	178	8	)	)	PUNCT
ejge-10173	178	9	•	•	NUM
ejge-10173	178	10	account	account	NOUN
ejge-10173	178	11	payable	payable	ADJ
ejge-10173	178	12	turnover=	turnover=	NUM
ejge-10173	178	13	supplier	supplier	NOUN
ejge-10173	178	14	purchases	purchase	NOUN
ejge-10173	178	15	made	make	VERB
ejge-10173	178	16	through	through	ADP
ejge-10173	178	17	fintech	fintech	NOUN
ejge-10173	178	18	solutions	solution	NOUN
ejge-10173	178	19	/	/	SYM
ejge-10173	178	20	average	average	ADJ
ejge-10173	178	21	accounts	account	NOUN
ejge-10173	178	22	payable	payable	ADJ
ejge-10173	178	23	•	•	NUM
ejge-10173	178	24	account	account	NOUN
ejge-10173	178	25	receivables	receivables	NOUN
ejge-10173	178	26	turnover/365	turnover/365	VERB
ejge-10173	178	27	days	day	NOUN
ejge-10173	178	28	the	the	DET
ejge-10173	178	29	accounts	account	NOUN
ejge-10173	178	30	payable	payable	VERB
ejge-10173	178	31	turnover	turnover	NOUN
ejge-10173	178	32	ratio	ratio	NOUN
ejge-10173	178	33	is	be	AUX
ejge-10173	178	34	used	use	VERB
ejge-10173	178	35	to	to	PART
ejge-10173	178	36	quantify	quantify	VERB
ejge-10173	178	37	the	the	DET
ejge-10173	178	38	rate	rate	NOUN
ejge-10173	178	39	at	at	ADP
ejge-10173	178	40	which	which	PRON
ejge-10173	178	41	an	an	DET
ejge-10173	178	42	enterprise	enterprise	NOUN
ejge-10173	178	43	pays	pay	VERB
ejge-10173	178	44	off	off	ADP
ejge-10173	178	45	its	its	PRON
ejge-10173	178	46	suppliers	supplier	NOUN
ejge-10173	178	47	.	.	PUNCT
ejge-10173	179	1	it	it	PRON
ejge-10173	179	2	indicates	indicate	VERB
ejge-10173	179	3	how	how	SCONJ
ejge-10173	179	4	many	many	ADJ
ejge-10173	179	5	times	time	NOUN
ejge-10173	179	6	an	an	DET
ejge-10173	179	7	enterprise	enterprise	NOUN
ejge-10173	179	8	pays	pay	VERB
ejge-10173	179	9	off	off	ADP
ejge-10173	179	10	its	its	PRON
ejge-10173	179	11	accounts	account	NOUN
ejge-10173	179	12	payable	payable	ADJ
ejge-10173	179	13	during	during	ADP
ejge-10173	179	14	a	a	DET
ejge-10173	179	15	given	give	VERB
ejge-10173	179	16	period	period	NOUN
ejge-10173	179	17	.	.	PUNCT
ejge-10173	180	1	5	5	X
ejge-10173	180	2	.	.	X
ejge-10173	180	3	customer	customer	NOUN
ejge-10173	180	4	lifetime	lifetime	NOUN
ejge-10173	180	5	value	value	NOUN
ejge-10173	180	6	(	(	PUNCT
ejge-10173	180	7	5	5	NUM
ejge-10173	180	8	last	last	ADJ
ejge-10173	180	9	years	year	NOUN
ejge-10173	180	10	)	)	PUNCT
ejge-10173	180	11	•	•	NUM
ejge-10173	180	12	total	total	ADJ
ejge-10173	180	13	net	net	ADJ
ejge-10173	180	14	profit	profit	NOUN
ejge-10173	180	15	generated	generate	VERB
ejge-10173	180	16	from	from	ADP
ejge-10173	180	17	customers	customer	NOUN
ejge-10173	180	18	using	use	VERB
ejge-10173	180	19	enterprise	enterprise	NOUN
ejge-10173	180	20	fintech	fintech	NOUN
ejge-10173	180	21	applications	application	NOUN
ejge-10173	180	22	/	/	SYM
ejge-10173	180	23	total	total	ADJ
ejge-10173	180	24	net	net	ADJ
ejge-10173	180	25	profit	profit	NOUN
ejge-10173	180	26	generated	generate	VERB
ejge-10173	180	27	from	from	ADP
ejge-10173	180	28	all	all	DET
ejge-10173	180	29	enterprise	enterprise	NOUN
ejge-10173	180	30	customers	customer	NOUN
ejge-10173	180	31	(	(	PUNCT
ejge-10173	180	32	in	in	ADP
ejge-10173	180	33	%	%	NOUN
ejge-10173	180	34	)	)	PUNCT
ejge-10173	180	35	.	.	PUNCT
ejge-10173	181	1	•	•	NOUN
ejge-10173	181	2	the	the	DET
ejge-10173	181	3	difference	difference	NOUN
ejge-10173	181	4	is	be	AUX
ejge-10173	181	5	calculated	calculate	VERB
ejge-10173	181	6	between	between	ADP
ejge-10173	181	7	two	two	NUM
ejge-10173	181	8	periods	period	NOUN
ejge-10173	181	9	to	to	PART
ejge-10173	181	10	indicate	indicate	VERB
ejge-10173	181	11	the	the	DET
ejge-10173	181	12	growth	growth	NOUN
ejge-10173	181	13	rate	rate	NOUN
ejge-10173	181	14	(	(	PUNCT
ejge-10173	181	15	in	in	ADP
ejge-10173	181	16	%	%	NOUN
ejge-10173	181	17	)	)	PUNCT
ejge-10173	181	18	.	.	PUNCT
ejge-10173	182	1	this	this	DET
ejge-10173	182	2	indicator	indicator	NOUN
ejge-10173	182	3	helps	help	VERB
ejge-10173	182	4	to	to	PART
ejge-10173	182	5	identify	identify	VERB
ejge-10173	182	6	the	the	DET
ejge-10173	182	7	percentage	percentage	NOUN
ejge-10173	182	8	of	of	ADP
ejge-10173	182	9	profit	profit	NOUN
ejge-10173	182	10	generated	generate	VERB
ejge-10173	182	11	from	from	ADP
ejge-10173	182	12	customers	customer	NOUN
ejge-10173	182	13	who	who	PRON
ejge-10173	182	14	use	use	VERB
ejge-10173	182	15	fintech	fintech	NOUN
ejge-10173	182	16	applications	application	NOUN
ejge-10173	182	17	within	within	ADP
ejge-10173	182	18	the	the	DET
ejge-10173	182	19	last	last	ADJ
ejge-10173	182	20	5	5	NUM
ejge-10173	182	21	years	year	NOUN
ejge-10173	182	22	.	.	PUNCT
ejge-10173	183	1	at	at	ADP
ejge-10173	183	2	the	the	DET
ejge-10173	183	3	same	same	ADJ
ejge-10173	183	4	time	time	NOUN
ejge-10173	183	5	,	,	PUNCT
ejge-10173	183	6	it	it	PRON
ejge-10173	183	7	is	be	AUX
ejge-10173	183	8	an	an	DET
ejge-10173	183	9	indicator	indicator	NOUN
ejge-10173	183	10	that	that	PRON
ejge-10173	183	11	is	be	AUX
ejge-10173	183	12	used	use	VERB
ejge-10173	183	13	to	to	PART
ejge-10173	183	14	estimate	estimate	VERB
ejge-10173	183	15	the	the	DET
ejge-10173	183	16	growth	growth	NOUN
ejge-10173	183	17	rate	rate	NOUN
ejge-10173	183	18	of	of	ADP
ejge-10173	183	19	the	the	DET
ejge-10173	183	20	indicator	indicator	NOUN
ejge-10173	183	21	within	within	ADP
ejge-10173	183	22	the	the	DET
ejge-10173	183	23	last	last	ADJ
ejge-10173	183	24	five	five	NUM
ejge-10173	183	25	years	year	NOUN
ejge-10173	183	26	.	.	PUNCT
ejge-10173	184	1	6	6	NUM
ejge-10173	184	2	.	.	X
ejge-10173	184	3	online	online	ADJ
ejge-10173	184	4	payments	payment	NOUN
ejge-10173	184	5	made	make	VERB
ejge-10173	184	6	by	by	ADP
ejge-10173	184	7	customers	customer	NOUN
ejge-10173	184	8	•	•	NOUN
ejge-10173	184	9	(	(	PUNCT
ejge-10173	184	10	number	number	NOUN
ejge-10173	184	11	of	of	ADP
ejge-10173	184	12	online	online	ADJ
ejge-10173	184	13	payments	payment	NOUN
ejge-10173	184	14	made	make	VERB
ejge-10173	184	15	from	from	ADP
ejge-10173	184	16	customers	customer	NOUN
ejge-10173	184	17	through	through	ADP
ejge-10173	184	18	fintech	fintech	NOUN
ejge-10173	184	19	applications	application	NOUN
ejge-10173	184	20	/	/	SYM
ejge-10173	184	21	total	total	ADJ
ejge-10173	184	22	number	number	NOUN
ejge-10173	184	23	of	of	ADP
ejge-10173	184	24	payments	payment	NOUN
ejge-10173	184	25	made	make	VERB
ejge-10173	184	26	by	by	ADP
ejge-10173	184	27	customers	customer	NOUN
ejge-10173	184	28	(	(	PUNCT
ejge-10173	184	29	in	in	ADP
ejge-10173	184	30	%	%	NOUN
ejge-10173	184	31	)	)	PUNCT
ejge-10173	184	32	.	.	PUNCT
ejge-10173	185	1	•	•	NOUN
ejge-10173	185	2	the	the	DET
ejge-10173	185	3	difference	difference	NOUN
ejge-10173	185	4	is	be	AUX
ejge-10173	185	5	calculated	calculate	VERB
ejge-10173	185	6	between	between	ADP
ejge-10173	185	7	two	two	NUM
ejge-10173	185	8	periods	period	NOUN
ejge-10173	185	9	to	to	PART
ejge-10173	185	10	indicate	indicate	VERB
ejge-10173	185	11	the	the	DET
ejge-10173	185	12	growth	growth	NOUN
ejge-10173	185	13	rate	rate	NOUN
ejge-10173	185	14	(	(	PUNCT
ejge-10173	185	15	in	in	ADP
ejge-10173	185	16	%	%	NOUN
ejge-10173	185	17	)	)	PUNCT
ejge-10173	185	18	.	.	PUNCT
ejge-10173	186	1	indicates	indicate	VERB
ejge-10173	186	2	the	the	DET
ejge-10173	186	3	percentage	percentage	NOUN
ejge-10173	186	4	of	of	ADP
ejge-10173	186	5	payments	payment	NOUN
ejge-10173	186	6	customers	customer	NOUN
ejge-10173	186	7	made	make	VERB
ejge-10173	186	8	through	through	ADP
ejge-10173	186	9	fintech	fintech	NOUN
ejge-10173	186	10	applications	application	NOUN
ejge-10173	186	11	,	,	PUNCT
ejge-10173	186	12	within	within	ADP
ejge-10173	186	13	the	the	DET
ejge-10173	186	14	last	last	ADJ
ejge-10173	186	15	five	five	NUM
ejge-10173	186	16	years	year	NOUN
ejge-10173	186	17	.	.	PUNCT
ejge-10173	187	1	also	also	ADV
ejge-10173	187	2	,	,	PUNCT
ejge-10173	187	3	the	the	DET
ejge-10173	187	4	growth	growth	NOUN
ejge-10173	187	5	in	in	ADP
ejge-10173	187	6	the	the	DET
ejge-10173	187	7	use	use	NOUN
ejge-10173	187	8	of	of	ADP
ejge-10173	187	9	fintech	fintech	NOUN
ejge-10173	187	10	applications	application	NOUN
ejge-10173	187	11	.	.	PUNCT
ejge-10173	188	1	7	7	X
ejge-10173	188	2	.	.	X
ejge-10173	188	3	online	online	ADJ
ejge-10173	188	4	payments	payment	NOUN
ejge-10173	188	5	made	make	VERB
ejge-10173	188	6	to	to	ADP
ejge-10173	188	7	suppliers	supplier	NOUN
ejge-10173	188	8	•	•	NOUN
ejge-10173	188	9	number	number	NOUN
ejge-10173	188	10	of	of	ADP
ejge-10173	188	11	online	online	ADJ
ejge-10173	188	12	payments	payment	NOUN
ejge-10173	188	13	made	make	VERB
ejge-10173	188	14	to	to	ADP
ejge-10173	188	15	suppliers	supplier	NOUN
ejge-10173	188	16	through	through	ADP
ejge-10173	188	17	fintech	fintech	NOUN
ejge-10173	188	18	applications	application	NOUN
ejge-10173	188	19	/	/	SYM
ejge-10173	188	20	total	total	ADJ
ejge-10173	188	21	number	number	NOUN
ejge-10173	188	22	of	of	ADP
ejge-10173	188	23	payments	payment	NOUN
ejge-10173	188	24	made	make	VERB
ejge-10173	188	25	to	to	ADP
ejge-10173	188	26	suppliers	supplier	NOUN
ejge-10173	188	27	(	(	PUNCT
ejge-10173	188	28	in	in	ADP
ejge-10173	188	29	%	%	NOUN
ejge-10173	188	30	)	)	PUNCT
ejge-10173	188	31	.	.	PUNCT
ejge-10173	189	1	•	•	NOUN
ejge-10173	189	2	the	the	DET
ejge-10173	189	3	difference	difference	NOUN
ejge-10173	189	4	is	be	AUX
ejge-10173	189	5	calculated	calculate	VERB
ejge-10173	189	6	between	between	ADP
ejge-10173	189	7	two	two	NUM
ejge-10173	189	8	periods	period	NOUN
ejge-10173	189	9	to	to	PART
ejge-10173	189	10	indicate	indicate	VERB
ejge-10173	189	11	the	the	DET
ejge-10173	189	12	growth	growth	NOUN
ejge-10173	189	13	rate	rate	NOUN
ejge-10173	189	14	(	(	PUNCT
ejge-10173	189	15	in	in	ADP
ejge-10173	189	16	%	%	NOUN
ejge-10173	189	17	)	)	PUNCT
ejge-10173	189	18	.	.	PUNCT
ejge-10173	190	1	indicates	indicate	VERB
ejge-10173	190	2	the	the	DET
ejge-10173	190	3	percentage	percentage	NOUN
ejge-10173	190	4	of	of	ADP
ejge-10173	190	5	payments	payment	NOUN
ejge-10173	190	6	made	make	VERB
ejge-10173	190	7	to	to	ADP
ejge-10173	190	8	suppliers	supplier	NOUN
ejge-10173	190	9	through	through	ADP
ejge-10173	190	10	fintech	fintech	NOUN
ejge-10173	190	11	applications	application	NOUN
ejge-10173	190	12	,	,	PUNCT
ejge-10173	190	13	within	within	ADP
ejge-10173	190	14	the	the	DET
ejge-10173	190	15	last	last	ADJ
ejge-10173	190	16	five	five	NUM
ejge-10173	190	17	years	year	NOUN
ejge-10173	190	18	.	.	PUNCT
ejge-10173	191	1	also	also	ADV
ejge-10173	191	2	,	,	PUNCT
ejge-10173	191	3	the	the	DET
ejge-10173	191	4	growth	growth	NOUN
ejge-10173	191	5	in	in	ADP
ejge-10173	191	6	the	the	DET
ejge-10173	191	7	use	use	NOUN
ejge-10173	191	8	of	of	ADP
ejge-10173	191	9	fintech	fintech	NOUN
ejge-10173	191	10	applications	application	NOUN
ejge-10173	191	11	8	8	NUM
ejge-10173	191	12	.	.	PUNCT
ejge-10173	192	1	online	online	ADJ
ejge-10173	192	2	inventory	inventory	NOUN
ejge-10173	192	3	management	management	NOUN
ejge-10173	192	4	•	•	NOUN
ejge-10173	192	5	time	time	NOUN
ejge-10173	192	6	used	use	VERB
ejge-10173	192	7	to	to	PART
ejge-10173	192	8	manage	manage	VERB
ejge-10173	192	9	inventory	inventory	NOUN
ejge-10173	192	10	through	through	ADP
ejge-10173	192	11	fintech	fintech	NOUN
ejge-10173	192	12	applications	application	NOUN
ejge-10173	192	13	–	–	PUNCT
ejge-10173	192	14	time	time	NOUN
ejge-10173	192	15	used	use	VERB
ejge-10173	192	16	to	to	PART
ejge-10173	192	17	manage	manage	VERB
ejge-10173	192	18	time	time	NOUN
ejge-10173	192	19	through	through	ADP
ejge-10173	192	20	non	non	ADJ
ejge-10173	192	21	-	-	ADJ
ejge-10173	192	22	fintech	fintech	ADJ
ejge-10173	192	23	applications	application	NOUN
ejge-10173	192	24	.	.	PUNCT
ejge-10173	193	1	indicates	indicate	VERB
ejge-10173	193	2	time	time	NOUN
ejge-10173	193	3	reduction	reduction	NOUN
ejge-10173	193	4	achieved	achieve	VERB
ejge-10173	193	5	through	through	ADP
ejge-10173	193	6	the	the	DET
ejge-10173	193	7	implementation	implementation	NOUN
ejge-10173	193	8	of	of	ADP
ejge-10173	193	9	fintech	fintech	NOUN
ejge-10173	193	10	applications	application	NOUN
ejge-10173	193	11	in	in	ADP
ejge-10173	193	12	inventory	inventory	NOUN
ejge-10173	193	13	management	management	NOUN
ejge-10173	193	14	.	.	PUNCT
ejge-10173	194	1	the	the	DET
ejge-10173	194	2	reduction	reduction	NOUN
ejge-10173	194	3	in	in	ADP
ejge-10173	194	4	time	time	NOUN
ejge-10173	194	5	is	be	AUX
ejge-10173	194	6	converted	convert	VERB
ejge-10173	194	7	into	into	ADP
ejge-10173	194	8	quicker	quick	ADJ
ejge-10173	194	9	order	order	NOUN
ejge-10173	194	10	delivery	delivery	NOUN
ejge-10173	194	11	to	to	PART
ejge-10173	194	12	end	end	VERB
ejge-10173	194	13	customers	customer	NOUN
ejge-10173	194	14	.	.	PUNCT
ejge-10173	195	1	9	9	X
ejge-10173	195	2	.	.	X
ejge-10173	195	3	electronic	electronic	ADJ
ejge-10173	195	4	invoicing	invoicing	NOUN
ejge-10173	195	5	•	•	NOUN
ejge-10173	195	6	number	number	NOUN
ejge-10173	195	7	of	of	ADP
ejge-10173	195	8	electronic	electronic	ADJ
ejge-10173	195	9	invoices	invoice	NOUN
ejge-10173	195	10	issued	issue	VERB
ejge-10173	195	11	through	through	ADP
ejge-10173	195	12	fintech	fintech	NOUN
ejge-10173	195	13	applications	application	NOUN
ejge-10173	195	14	/	/	SYM
ejge-10173	195	15	total	total	ADJ
ejge-10173	195	16	number	number	NOUN
ejge-10173	195	17	of	of	ADP
ejge-10173	195	18	invoices	invoice	NOUN
ejge-10173	195	19	(	(	PUNCT
ejge-10173	195	20	in	in	ADP
ejge-10173	195	21	%	%	NOUN
ejge-10173	195	22	)	)	PUNCT
ejge-10173	195	23	.	.	PUNCT
ejge-10173	196	1	•	•	NOUN
ejge-10173	196	2	the	the	DET
ejge-10173	196	3	difference	difference	NOUN
ejge-10173	196	4	is	be	AUX
ejge-10173	196	5	calculated	calculate	VERB
ejge-10173	196	6	between	between	ADP
ejge-10173	196	7	two	two	NUM
ejge-10173	196	8	periods	period	NOUN
ejge-10173	196	9	to	to	PART
ejge-10173	196	10	indicate	indicate	VERB
ejge-10173	196	11	the	the	DET
ejge-10173	196	12	growth	growth	NOUN
ejge-10173	196	13	rate	rate	NOUN
ejge-10173	196	14	(	(	PUNCT
ejge-10173	196	15	in	in	ADP
ejge-10173	196	16	%	%	NOUN
ejge-10173	196	17	)	)	PUNCT
ejge-10173	196	18	.	.	PUNCT
ejge-10173	197	1	indicates	indicate	VERB
ejge-10173	197	2	the	the	DET
ejge-10173	197	3	percentage	percentage	NOUN
ejge-10173	197	4	of	of	ADP
ejge-10173	197	5	invoices	invoice	NOUN
ejge-10173	197	6	issued	issue	VERB
ejge-10173	197	7	both	both	PRON
ejge-10173	197	8	to	to	ADP
ejge-10173	197	9	customers	customer	NOUN
ejge-10173	197	10	and	and	CCONJ
ejge-10173	197	11	suppliers	supplier	NOUN
ejge-10173	197	12	through	through	ADP
ejge-10173	197	13	fintech	fintech	NOUN
ejge-10173	197	14	applications	application	NOUN
ejge-10173	197	15	in	in	ADP
ejge-10173	197	16	the	the	DET
ejge-10173	197	17	daily	daily	ADJ
ejge-10173	197	18	operations	operation	NOUN
ejge-10173	197	19	of	of	ADP
ejge-10173	197	20	the	the	DET
ejge-10173	197	21	enterprise	enterprise	NOUN
ejge-10173	197	22	within	within	ADP
ejge-10173	197	23	the	the	DET
ejge-10173	197	24	last	last	ADJ
ejge-10173	197	25	five	five	NUM
ejge-10173	197	26	years	year	NOUN
ejge-10173	197	27	.	.	PUNCT
ejge-10173	198	1	also	also	ADV
ejge-10173	198	2	,	,	PUNCT
ejge-10173	198	3	the	the	DET
ejge-10173	198	4	growth	growth	NOUN
ejge-10173	198	5	in	in	ADP
ejge-10173	198	6	the	the	DET
ejge-10173	198	7	use	use	NOUN
ejge-10173	198	8	of	of	ADP
ejge-10173	198	9	fintech	fintech	NOUN
ejge-10173	198	10	applications	application	NOUN
ejge-10173	198	11	.	.	PUNCT
ejge-10173	199	1	source	source	NOUN
ejge-10173	199	2	:	:	PUNCT
ejge-10173	199	3	prepared	prepare	VERB
ejge-10173	199	4	by	by	ADP
ejge-10173	199	5	authors	author	NOUN
ejge-10173	199	6	unlocking	unlock	VERB
ejge-10173	199	7	regional	regional	ADJ
ejge-10173	199	8	value	value	NOUN
ejge-10173	199	9	chains	chain	NOUN
ejge-10173	199	10	after	after	ADP
ejge-10173	199	11	obtaining	obtain	VERB
ejge-10173	199	12	the	the	DET
ejge-10173	199	13	results	result	NOUN
ejge-10173	199	14	of	of	ADP
ejge-10173	199	15	financial	financial	ADJ
ejge-10173	199	16	ratios	ratio	NOUN
ejge-10173	199	17	for	for	ADP
ejge-10173	199	18	each	each	DET
ejge-10173	199	19	enterprise	enterprise	NOUN
ejge-10173	199	20	,	,	PUNCT
ejge-10173	199	21	they	they	PRON
ejge-10173	199	22	are	be	AUX
ejge-10173	199	23	classified	classify	VERB
ejge-10173	199	24	according	accord	VERB
ejge-10173	199	25	to	to	ADP
ejge-10173	199	26	the	the	DET
ejge-10173	199	27	range	range	NOUN
ejge-10173	199	28	introduced	introduce	VERB
ejge-10173	199	29	in	in	ADP
ejge-10173	199	30	table	table	NOUN
ejge-10173	199	31	5	5	NUM
ejge-10173	199	32	,	,	PUNCT
ejge-10173	199	33	indicating	indicate	VERB
ejge-10173	199	34	whether	whether	SCONJ
ejge-10173	199	35	there	there	PRON
ejge-10173	199	36	is	be	VERB
ejge-10173	199	37	(	(	PUNCT
ejge-10173	199	38	i	i	NOUN
ejge-10173	199	39	)	)	PUNCT
ejge-10173	199	40	a	a	DET
ejge-10173	199	41	low	low	ADJ
ejge-10173	199	42	potential	potential	NOUN
ejge-10173	199	43	for	for	ADP
ejge-10173	199	44	the	the	DET
ejge-10173	199	45	creation	creation	NOUN
ejge-10173	199	46	of	of	ADP
ejge-10173	199	47	rvcs	rvcs	PROPN
ejge-10173	199	48	,	,	PUNCT
ejge-10173	199	49	(	(	PUNCT
ejge-10173	199	50	ii	ii	NOUN
ejge-10173	199	51	)	)	PUNCT
ejge-10173	199	52	a	a	DET
ejge-10173	199	53	middle	middle	ADJ
ejge-10173	199	54	potential	potential	NOUN
ejge-10173	199	55	for	for	ADP
ejge-10173	199	56	the	the	DET
ejge-10173	199	57	creation	creation	NOUN
ejge-10173	199	58	of	of	ADP
ejge-10173	199	59	rvcs	rvcs	PROPN
ejge-10173	199	60	,	,	PUNCT
ejge-10173	199	61	and	and	CCONJ
ejge-10173	199	62	(	(	PUNCT
ejge-10173	199	63	iii	iii	NOUN
ejge-10173	199	64	)	)	PUNCT
ejge-10173	199	65	a	a	DET
ejge-10173	199	66	high	high	ADJ
ejge-10173	199	67	potential	potential	NOUN
ejge-10173	199	68	for	for	ADP
ejge-10173	199	69	the	the	DET
ejge-10173	199	70	creation	creation	NOUN
ejge-10173	199	71	of	of	ADP
ejge-10173	199	72	rvcs	rvcs	PROPN
ejge-10173	199	73	.	.	PUNCT
ejge-10173	200	1	these	these	DET
ejge-10173	200	2	indicators	indicator	NOUN
ejge-10173	200	3	serve	serve	VERB
ejge-10173	200	4	as	as	ADP
ejge-10173	200	5	the	the	DET
ejge-10173	200	6	basis	basis	NOUN
ejge-10173	200	7	for	for	ADP
ejge-10173	200	8	estimating	estimate	VERB
ejge-10173	200	9	industry	industry	NOUN
ejge-10173	200	10	values	value	NOUN
ejge-10173	200	11	and	and	CCONJ
ejge-10173	200	12	applying	apply	VERB
ejge-10173	200	13	a	a	DET
ejge-10173	200	14	benchmark	benchmark	NOUN
ejge-10173	200	15	analysis	analysis	NOUN
ejge-10173	200	16	,	,	PUNCT
ejge-10173	200	17	thus	thus	ADV
ejge-10173	200	18	identifying	identify	VERB
ejge-10173	200	19	industry	industry	NOUN
ejge-10173	200	20	trends	trend	NOUN
ejge-10173	200	21	for	for	ADP
ejge-10173	200	22	the	the	DET
ejge-10173	200	23	creation	creation	NOUN
ejge-10173	200	24	of	of	ADP
ejge-10173	200	25	rvcs	rvcs	PROPN
ejge-10173	200	26	based	base	VERB
ejge-10173	200	27	on	on	ADP
ejge-10173	200	28	enterprise	enterprise	NOUN
ejge-10173	200	29	fintech	fintech	NOUN
ejge-10173	200	30	implementation	implementation	NOUN
ejge-10173	200	31	in	in	ADP
ejge-10173	200	32	financial	financial	ADJ
ejge-10173	200	33	operations	operation	NOUN
ejge-10173	200	34	.	.	PUNCT
ejge-10173	201	1	table	table	NOUN
ejge-10173	201	2	5	5	NUM
ejge-10173	201	3	:	:	PUNCT
ejge-10173	201	4	benchmarking	benchmarke	VERB
ejge-10173	201	5	indicators	indicator	NOUN
ejge-10173	201	6	for	for	ADP
ejge-10173	201	7	fintech	fintech	NOUN
ejge-10173	201	8	applications	application	NOUN
ejge-10173	201	9	fintech	fintech	NOUN
ejge-10173	201	10	applications	application	NOUN
ejge-10173	201	11	in	in	ADP
ejge-10173	201	12	enterprises	enterprise	NOUN
ejge-10173	201	13	operating	operate	VERB
ejge-10173	201	14	in	in	ADP
ejge-10173	201	15	the	the	DET
ejge-10173	201	16	western	western	ADJ
ejge-10173	201	17	balkan	balkan	ADJ
ejge-10173	201	18	region	region	NOUN
ejge-10173	201	19	.	.	PUNCT
ejge-10173	202	1	component	component	NOUN
ejge-10173	202	2	financial	financial	ADJ
ejge-10173	202	3	ratio	ratio	NOUN
ejge-10173	202	4	low	low	ADJ
ejge-10173	202	5	potential	potential	NOUN
ejge-10173	202	6	for	for	ADP
ejge-10173	202	7	regional	regional	ADJ
ejge-10173	202	8	value	value	NOUN
ejge-10173	202	9	chain	chain	NOUN
ejge-10173	202	10	middle	middle	ADJ
ejge-10173	202	11	potential	potential	NOUN
ejge-10173	202	12	for	for	ADP
ejge-10173	202	13	regional	regional	ADJ
ejge-10173	202	14	value	value	NOUN
ejge-10173	202	15	chain	chain	NOUN
ejge-10173	202	16	high	high	ADJ
ejge-10173	202	17	potential	potential	NOUN
ejge-10173	202	18	for	for	ADP
ejge-10173	202	19	regional	regional	ADJ
ejge-10173	202	20	value	value	NOUN
ejge-10173	202	21	chain	chain	NOUN
ejge-10173	202	22	return	return	NOUN
ejge-10173	202	23	on	on	ADP
ejge-10173	202	24	fintech	fintech	NOUN
ejge-10173	202	25	investment	investment	NOUN
ejge-10173	202	26	asset	asset	NOUN
ejge-10173	202	27	turnover	turnover	NOUN
ejge-10173	202	28	from	from	ADP
ejge-10173	202	29	fintech	fintech	NOUN
ejge-10173	202	30	assets	asset	NOUN
ejge-10173	202	31	<	<	X
ejge-10173	202	32	1	1	NUM
ejge-10173	202	33	1–1.5	1–1.5	NUM
ejge-10173	202	34	>	>	SYM
ejge-10173	202	35	1.5	1.5	NUM
ejge-10173	202	36	investment	investment	NOUN
ejge-10173	202	37	turnover	turnover	NOUN
ejge-10173	202	38	from	from	ADP
ejge-10173	202	39	fintech	fintech	NOUN
ejge-10173	202	40	investments	investment	NOUN
ejge-10173	202	41	<	<	X
ejge-10173	202	42	0.5	0.5	NUM
ejge-10173	202	43	0.5–1	0.5–1	NOUN
ejge-10173	202	44	>	>	SYM
ejge-10173	202	45	1	1	NUM
ejge-10173	202	46	account	account	NOUN
ejge-10173	202	47	receivables	receivables	NOUN
ejge-10173	202	48	turnover	turnover	NOUN
ejge-10173	202	49	(	(	PUNCT
ejge-10173	202	50	days	day	NOUN
ejge-10173	202	51	)	)	PUNCT
ejge-10173	202	52	>	>	PUNCT
ejge-10173	202	53	10	10	NUM
ejge-10173	202	54	days	day	NOUN
ejge-10173	202	55	5	5	NUM
ejge-10173	202	56	-	-	SYM
ejge-10173	202	57	10	10	NUM
ejge-10173	202	58	days	day	NOUN
ejge-10173	202	59	<	<	X
ejge-10173	202	60	5	5	NUM
ejge-10173	202	61	days	day	NOUN
ejge-10173	202	62	account	account	NOUN
ejge-10173	202	63	payables	payable	NOUN
ejge-10173	202	64	turnover	turnover	NOUN
ejge-10173	202	65	(	(	PUNCT
ejge-10173	202	66	days	day	NOUN
ejge-10173	202	67	)	)	PUNCT
ejge-10173	202	68	>	>	PUNCT
ejge-10173	202	69	10	10	NUM
ejge-10173	202	70	days	day	NOUN
ejge-10173	202	71	5	5	NUM
ejge-10173	202	72	-	-	SYM
ejge-10173	202	73	10	10	NUM
ejge-10173	202	74	days	day	NOUN
ejge-10173	202	75	<	<	X
ejge-10173	202	76	5	5	NUM
ejge-10173	202	77	days	day	NOUN
ejge-10173	202	78	customer	customer	NOUN
ejge-10173	202	79	lifetime	lifetime	NOUN
ejge-10173	202	80	value	value	NOUN
ejge-10173	202	81	(	(	PUNCT
ejge-10173	202	82	last	last	ADJ
ejge-10173	202	83	5	5	NUM
ejge-10173	202	84	years	year	NOUN
ejge-10173	202	85	)	)	PUNCT
ejge-10173	203	1	<	<	X
ejge-10173	203	2	2,000	2,000	NUM
ejge-10173	203	3	eur	eur	NOUN
ejge-10173	203	4	2,000–4,000	2,000–4,000	NUM
ejge-10173	203	5	eur	eur	NOUN
ejge-10173	203	6	>	>	SYM
ejge-10173	203	7	4,000	4,000	NUM
ejge-10173	203	8	eur	eur	NOUN
ejge-10173	203	9	fintech	fintech	NOUN
ejge-10173	203	10	operations	operation	NOUN
ejge-10173	203	11	online	online	ADJ
ejge-10173	203	12	payments	payment	NOUN
ejge-10173	203	13	made	make	VERB
ejge-10173	203	14	by	by	ADP
ejge-10173	203	15	customers	customer	NOUN
ejge-10173	203	16	<	<	X
ejge-10173	203	17	30	30	NUM
ejge-10173	203	18	%	%	NOUN
ejge-10173	203	19	30%–50	30%–50	NUM
ejge-10173	203	20	%	%	NOUN
ejge-10173	203	21	>	>	SYM
ejge-10173	203	22	50	50	NUM
ejge-10173	203	23	%	%	NOUN
ejge-10173	203	24	online	online	ADJ
ejge-10173	203	25	payments	payment	NOUN
ejge-10173	203	26	made	make	VERB
ejge-10173	203	27	to	to	ADP
ejge-10173	203	28	suppliers	supplier	NOUN
ejge-10173	203	29	<	<	X
ejge-10173	203	30	40	40	NUM
ejge-10173	203	31	%	%	NOUN
ejge-10173	203	32	40%-60	40%-60	NUM
ejge-10173	203	33	%	%	NOUN
ejge-10173	203	34	>	>	SYM
ejge-10173	203	35	60	60	NUM
ejge-10173	203	36	%	%	NOUN
ejge-10173	203	37	online	online	ADJ
ejge-10173	203	38	inventory	inventory	NOUN
ejge-10173	203	39	management	management	NOUN
ejge-10173	203	40	<	<	X
ejge-10173	203	41	50	50	NUM
ejge-10173	203	42	%	%	NOUN
ejge-10173	203	43	50%-80	50%-80	NUM
ejge-10173	203	44	%	%	NOUN
ejge-10173	203	45	>	>	SYM
ejge-10173	203	46	80	80	NUM
ejge-10173	203	47	%	%	NOUN
ejge-10173	203	48	electronic	electronic	ADJ
ejge-10173	203	49	invoicing	invoicing	NOUN
ejge-10173	203	50	<	<	X
ejge-10173	203	51	50	50	NUM
ejge-10173	203	52	%	%	NOUN
ejge-10173	203	53	50%-80	50%-80	NUM
ejge-10173	203	54	%	%	NOUN
ejge-10173	203	55	>	>	SYM
ejge-10173	203	56	80	80	NUM
ejge-10173	203	57	%	%	NOUN
ejge-10173	203	58	source	source	NOUN
ejge-10173	203	59	:	:	PUNCT
ejge-10173	203	60	prepared	prepare	VERB
ejge-10173	203	61	by	by	ADP
ejge-10173	203	62	authors	author	NOUN
ejge-10173	203	63	after	after	ADP
ejge-10173	203	64	the	the	DET
ejge-10173	203	65	calculation	calculation	NOUN
ejge-10173	203	66	of	of	ADP
ejge-10173	203	67	financial	financial	ADJ
ejge-10173	203	68	ratios	ratio	NOUN
ejge-10173	203	69	,	,	PUNCT
ejge-10173	203	70	benchmarking	benchmarke	VERB
ejge-10173	203	71	is	be	AUX
ejge-10173	203	72	the	the	DET
ejge-10173	203	73	primary	primary	ADJ
ejge-10173	203	74	instrument	instrument	NOUN
ejge-10173	203	75	used	use	VERB
ejge-10173	203	76	to	to	PART
ejge-10173	203	77	evaluate	evaluate	VERB
ejge-10173	203	78	the	the	DET
ejge-10173	203	79	potential	potential	NOUN
ejge-10173	203	80	for	for	ADP
ejge-10173	203	81	the	the	DET
ejge-10173	203	82	creation	creation	NOUN
ejge-10173	203	83	of	of	ADP
ejge-10173	203	84	rvgs	rvg	NOUN
ejge-10173	203	85	.	.	PUNCT
ejge-10173	204	1	the	the	DET
ejge-10173	204	2	notion	notion	NOUN
ejge-10173	204	3	of	of	ADP
ejge-10173	204	4	benchmarking	benchmarke	VERB
ejge-10173	204	5	pertains	pertain	NOUN
ejge-10173	204	6	to	to	ADP
ejge-10173	204	7	a	a	DET
ejge-10173	204	8	systematic	systematic	ADJ
ejge-10173	204	9	and	and	CCONJ
ejge-10173	204	10	continuous	continuous	ADJ
ejge-10173	204	11	evaluation	evaluation	NOUN
ejge-10173	204	12	of	of	ADP
ejge-10173	204	13	the	the	DET
ejge-10173	204	14	performance	performance	NOUN
ejge-10173	204	15	of	of	ADP
ejge-10173	204	16	an	an	DET
ejge-10173	204	17	enterprise	enterprise	NOUN
ejge-10173	204	18	about	about	ADP
ejge-10173	204	19	those	those	PRON
ejge-10173	204	20	of	of	ADP
ejge-10173	204	21	established	establish	VERB
ejge-10173	204	22	market	market	NOUN
ejge-10173	204	23	leaders	leader	NOUN
ejge-10173	204	24	,	,	PUNCT
ejge-10173	204	25	both	both	CCONJ
ejge-10173	204	26	locally	locally	ADV
ejge-10173	204	27	,	,	PUNCT
ejge-10173	204	28	regionally	regionally	ADV
ejge-10173	204	29	,	,	PUNCT
ejge-10173	204	30	and	and	CCONJ
ejge-10173	204	31	globally	globally	ADV
ejge-10173	204	32	.	.	PUNCT
ejge-10173	205	1	benchmarking	benchmarke	VERB
ejge-10173	205	2	helps	help	VERB
ejge-10173	205	3	enterprises	enterprise	NOUN
ejge-10173	205	4	retrieve	retrieve	VERB
ejge-10173	205	5	valuable	valuable	ADJ
ejge-10173	205	6	information	information	NOUN
ejge-10173	205	7	to	to	PART
ejge-10173	205	8	improve	improve	VERB
ejge-10173	205	9	their	their	PRON
ejge-10173	205	10	performance	performance	NOUN
ejge-10173	205	11	.	.	PUNCT
ejge-10173	206	1	it	it	PRON
ejge-10173	206	2	has	have	AUX
ejge-10173	206	3	been	be	AUX
ejge-10173	206	4	a	a	DET
ejge-10173	206	5	successful	successful	ADJ
ejge-10173	206	6	instrument	instrument	NOUN
ejge-10173	206	7	for	for	ADP
ejge-10173	206	8	integration	integration	NOUN
ejge-10173	206	9	in	in	ADP
ejge-10173	206	10	gvcs	gvcs	NOUN
ejge-10173	206	11	because	because	SCONJ
ejge-10173	206	12	benchmarking	benchmarking	NOUN
ejge-10173	206	13	can	can	AUX
ejge-10173	206	14	be	be	AUX
ejge-10173	206	15	simplified	simplify	VERB
ejge-10173	206	16	into	into	ADP
ejge-10173	206	17	learning	learn	VERB
ejge-10173	206	18	from	from	ADP
ejge-10173	206	19	the	the	DET
ejge-10173	206	20	best	good	ADJ
ejge-10173	206	21	.	.	PUNCT
ejge-10173	207	1	the	the	DET
ejge-10173	207	2	industry	industry	NOUN
ejge-10173	207	3	benchmarks	benchmark	NOUN
ejge-10173	207	4	are	be	AUX
ejge-10173	207	5	calculated	calculate	VERB
ejge-10173	207	6	using	use	VERB
ejge-10173	207	7	several	several	ADJ
ejge-10173	207	8	methods	method	NOUN
ejge-10173	207	9	.	.	PUNCT
ejge-10173	208	1	the	the	DET
ejge-10173	208	2	two	two	NUM
ejge-10173	208	3	main	main	ADJ
ejge-10173	208	4	methods	method	NOUN
ejge-10173	208	5	are	be	AUX
ejge-10173	208	6	“	"	PUNCT
ejge-10173	208	7	the	the	DET
ejge-10173	208	8	average	average	NOUN
ejge-10173	208	9	of	of	ADP
ejge-10173	208	10	ratios	ratio	NOUN
ejge-10173	208	11	”	"	PUNCT
ejge-10173	208	12	and	and	CCONJ
ejge-10173	208	13	“	"	PUNCT
ejge-10173	208	14	the	the	DET
ejge-10173	208	15	ratio	ratio	NOUN
ejge-10173	208	16	of	of	ADP
ejge-10173	208	17	averages	average	NOUN
ejge-10173	208	18	”	"	PUNCT
ejge-10173	208	19	.	.	PUNCT
ejge-10173	209	1	the	the	DET
ejge-10173	209	2	data	datum	NOUN
ejge-10173	209	3	collected	collect	VERB
ejge-10173	209	4	led	lead	VERB
ejge-10173	209	5	us	we	PRON
ejge-10173	209	6	to	to	PART
ejge-10173	209	7	adopt	adopt	VERB
ejge-10173	209	8	the	the	DET
ejge-10173	209	9	ratio	ratio	NOUN
ejge-10173	209	10	of	of	ADP
ejge-10173	209	11	averages	average	NOUN
ejge-10173	209	12	as	as	ADP
ejge-10173	209	13	a	a	DET
ejge-10173	209	14	more	more	ADV
ejge-10173	209	15	accurate	accurate	ADJ
ejge-10173	209	16	representation	representation	NOUN
ejge-10173	209	17	of	of	ADP
ejge-10173	209	18	the	the	DET
ejge-10173	209	19	relatively	relatively	ADV
ejge-10173	209	20	small	small	ADJ
ejge-10173	209	21	number	number	NOUN
ejge-10173	209	22	of	of	ADP
ejge-10173	209	23	enterprises	enterprise	NOUN
ejge-10173	209	24	included	include	VERB
ejge-10173	209	25	in	in	ADP
ejge-10173	209	26	the	the	DET
ejge-10173	209	27	sample	sample	NOUN
ejge-10173	209	28	and	and	CCONJ
ejge-10173	209	29	to	to	PART
ejge-10173	209	30	determine	determine	VERB
ejge-10173	209	31	the	the	DET
ejge-10173	209	32	percentile	percentile	NOUN
ejge-10173	209	33	in	in	ADP
ejge-10173	209	34	which	which	PRON
ejge-10173	209	35	enterprises	enterprise	NOUN
ejge-10173	209	36	in	in	ADP
ejge-10173	209	37	the	the	DET
ejge-10173	209	38	sample	sample	NOUN
ejge-10173	209	39	are	be	AUX
ejge-10173	209	40	placed	place	VERB
ejge-10173	209	41	,	,	PUNCT
ejge-10173	209	42	according	accord	VERB
ejge-10173	209	43	to	to	ADP
ejge-10173	209	44	equation	equation	NOUN
ejge-10173	209	45	1	1	NUM
ejge-10173	209	46	in	in	ADP
ejge-10173	209	47	which	which	PRON
ejge-10173	209	48	y	y	PROPN
ejge-10173	209	49	r	r	PROPN
ejge-10173	209	50	,	,	PUNCT
ejge-10173	209	51	t	t	PROPN
ejge-10173	209	52	represents	represent	VERB
ejge-10173	209	53	the	the	DET
ejge-10173	209	54	industry	industry	NOUN
ejge-10173	209	55	and	and	CCONJ
ejge-10173	209	56	subindustry	subindustry	NOUN
ejge-10173	209	57	,	,	PUNCT
ejge-10173	209	58	while	while	SCONJ
ejge-10173	209	59	a	a	PRON
ejge-10173	209	60	and	and	CCONJ
ejge-10173	209	61	b	b	NOUN
ejge-10173	209	62	represent	represent	VERB
ejge-10173	209	63	ratio	ratio	NOUN
ejge-10173	209	64	components	component	NOUN
ejge-10173	209	65	.	.	PUNCT
ejge-10173	210	1	this	this	DET
ejge-10173	210	2	approach	approach	NOUN
ejge-10173	210	3	ensures	ensure	VERB
ejge-10173	210	4	that	that	SCONJ
ejge-10173	210	5	outliers	outlier	NOUN
ejge-10173	210	6	do	do	AUX
ejge-10173	210	7	not	not	PART
ejge-10173	210	8	significantly	significantly	ADV
ejge-10173	210	9	affect	affect	VERB
ejge-10173	210	10	the	the	DET
ejge-10173	210	11	result	result	NOUN
ejge-10173	210	12	.	.	PUNCT
ejge-10173	211	1	the	the	DET
ejge-10173	211	2	results	result	NOUN
ejge-10173	211	3	are	be	AUX
ejge-10173	211	4	presented	present	VERB
ejge-10173	211	5	in	in	ADP
ejge-10173	211	6	subindustry	subindustry	ADJ
ejge-10173	211	7	segments	segment	NOUN
ejge-10173	211	8	to	to	PART
ejge-10173	211	9	mitigate	mitigate	VERB
ejge-10173	211	10	the	the	DET
ejge-10173	211	11	bias	bias	NOUN
ejge-10173	211	12	toward	toward	ADP
ejge-10173	211	13	extensive	extensive	ADJ
ejge-10173	211	14	categorization	categorization	NOUN
ejge-10173	211	15	of	of	ADP
ejge-10173	211	16	enterprises	enterprise	NOUN
ejge-10173	211	17	at	at	ADP
ejge-10173	211	18	the	the	DET
ejge-10173	211	19	industry	industry	NOUN
ejge-10173	211	20	level	level	NOUN
ejge-10173	211	21	.	.	PUNCT
ejge-10173	212	1	similar	similar	ADJ
ejge-10173	212	2	methodologies	methodology	NOUN
ejge-10173	212	3	have	have	AUX
ejge-10173	212	4	been	be	AUX
ejge-10173	212	5	applied	apply	VERB
ejge-10173	212	6	in	in	ADP
ejge-10173	212	7	studies	study	NOUN
ejge-10173	212	8	in	in	ADP
ejge-10173	212	9	the	the	DET
ejge-10173	212	10	literature	literature	NOUN
ejge-10173	212	11	(	(	PUNCT
ejge-10173	212	12	kacani	kacani	PROPN
ejge-10173	212	13	et	et	PROPN
ejge-10173	212	14	al	al	PROPN
ejge-10173	212	15	.	.	PROPN
ejge-10173	212	16	,	,	PUNCT
ejge-10173	212	17	2022	2022	NUM
ejge-10173	212	18	;	;	PUNCT
ejge-10173	212	19	kasasbeh	kasasbeh	NOUN
ejge-10173	212	20	(	(	PUNCT
ejge-10173	212	21	2021	2021	NUM
ejge-10173	212	22	)	)	PUNCT
ejge-10173	212	23	.	.	PUNCT
ejge-10173	213	1	the	the	DET
ejge-10173	213	2	evaluation	evaluation	NOUN
ejge-10173	213	3	indicators	indicator	NOUN
ejge-10173	213	4	of	of	ADP
ejge-10173	213	5	the	the	DET
ejge-10173	213	6	216	216	NUM
ejge-10173	213	7	gentjan	gentjan	NOUN
ejge-10173	213	8	shaquiri	shaquiri	NOUN
ejge-10173	213	9	et	et	PROPN
ejge-10173	213	10	al	al	PROPN
ejge-10173	213	11	.	.	PUNCT
ejge-10173	214	1	benchmarking	benchmarke	VERB
ejge-10173	214	2	instrument	instrument	NOUN
ejge-10173	214	3	are	be	AUX
ejge-10173	214	4	based	base	VERB
ejge-10173	214	5	on	on	ADP
ejge-10173	214	6	fintech	fintech	NOUN
ejge-10173	214	7	solutions	solution	NOUN
ejge-10173	214	8	used	use	VERB
ejge-10173	214	9	in	in	ADP
ejge-10173	214	10	the	the	DET
ejge-10173	214	11	financial	financial	ADJ
ejge-10173	214	12	management	management	NOUN
ejge-10173	214	13	of	of	ADP
ejge-10173	214	14	enterprises	enterprise	NOUN
ejge-10173	214	15	participating	participate	VERB
ejge-10173	214	16	in	in	ADP
ejge-10173	214	17	the	the	DET
ejge-10173	214	18	survey	survey	NOUN
ejge-10173	214	19	.	.	PUNCT
ejge-10173	215	1	indicators	indicator	NOUN
ejge-10173	215	2	include	include	VERB
ejge-10173	215	3	,	,	PUNCT
ejge-10173	215	4	among	among	ADP
ejge-10173	215	5	others	other	NOUN
ejge-10173	215	6	,	,	PUNCT
ejge-10173	215	7	a	a	DET
ejge-10173	215	8	reduction	reduction	NOUN
ejge-10173	215	9	in	in	ADP
ejge-10173	215	10	the	the	DET
ejge-10173	215	11	lead	lead	ADJ
ejge-10173	215	12	time	time	NOUN
ejge-10173	215	13	to	to	PART
ejge-10173	215	14	perform	perform	VERB
ejge-10173	215	15	a	a	DET
ejge-10173	215	16	financial	financial	ADJ
ejge-10173	215	17	transaction	transaction	NOUN
ejge-10173	215	18	,	,	PUNCT
ejge-10173	215	19	the	the	DET
ejge-10173	215	20	number	number	NOUN
ejge-10173	215	21	of	of	ADP
ejge-10173	215	22	automated	automate	VERB
ejge-10173	215	23	financial	financial	ADJ
ejge-10173	215	24	management	management	NOUN
ejge-10173	215	25	processes	process	NOUN
ejge-10173	215	26	(	(	PUNCT
ejge-10173	215	27	payments	payment	NOUN
ejge-10173	215	28	,	,	PUNCT
ejge-10173	215	29	customer	customer	NOUN
ejge-10173	215	30	invoicing	invoicing	NOUN
ejge-10173	215	31	,	,	PUNCT
ejge-10173	215	32	payrolls	payroll	NOUN
ejge-10173	215	33	,	,	PUNCT
ejge-10173	215	34	etc	etc	X
ejge-10173	215	35	.	.	X
ejge-10173	215	36	)	)	PUNCT
ejge-10173	215	37	,	,	PUNCT
ejge-10173	215	38	customer	customer	NOUN
ejge-10173	215	39	lifetime	lifetime	NOUN
ejge-10173	215	40	value	value	NOUN
ejge-10173	215	41	generated	generate	VERB
ejge-10173	215	42	through	through	ADP
ejge-10173	215	43	fintech	fintech	NOUN
ejge-10173	215	44	solutions	solution	NOUN
ejge-10173	215	45	,	,	PUNCT
ejge-10173	215	46	return	return	VERB
ejge-10173	215	47	on	on	ADP
ejge-10173	215	48	fintech	fintech	NOUN
ejge-10173	215	49	investments	investment	NOUN
ejge-10173	215	50	,	,	PUNCT
ejge-10173	215	51	return	return	VERB
ejge-10173	215	52	on	on	ADP
ejge-10173	215	53	fintech	fintech	NOUN
ejge-10173	215	54	assets	asset	NOUN
ejge-10173	215	55	,	,	PUNCT
ejge-10173	215	56	etc	etc	X
ejge-10173	215	57	.	.	X
ejge-10173	215	58	(	(	PUNCT
ejge-10173	215	59	𝑡𝑡	𝑡𝑡	ADJ
ejge-10173	215	60	)	)	PUNCT
ejge-10173	215	61	=	=	SYM
ejge-10173	215	62	∑	∑	PROPN
ejge-10173	215	63	𝐴𝐴𝑖𝑖(𝑡𝑡)𝑡𝑡	𝐴𝐴𝑖𝑖(𝑡𝑡)𝑡𝑡	PROPN
ejge-10173	215	64	𝑖𝑖	𝑖𝑖	PROPN
ejge-10173	215	65	∑	∑	PUNCT
ejge-10173	215	66	𝐵𝐵𝑖𝑖(𝑡𝑡)𝑡𝑡	𝐵𝐵𝑖𝑖(𝑡𝑡)𝑡𝑡	NOUN
ejge-10173	215	67	𝑖𝑖	𝑖𝑖	NOUN
ejge-10173	215	68	=	=	SYM
ejge-10173	215	69	𝐸𝐸[𝐴𝐴𝑖𝑖(𝑡𝑡	𝐸𝐸[𝐴𝐴𝑖𝑖(𝑡𝑡	NOUN
ejge-10173	215	70	)	)	PUNCT
ejge-10173	215	71	]	]	PUNCT
ejge-10173	215	72	𝐸𝐸[𝐵𝐵𝑖𝑖(𝑡𝑡	𝐸𝐸[𝐵𝐵𝑖𝑖(𝑡𝑡	NOUN
ejge-10173	215	73	)	)	PUNCT
ejge-10173	215	74	]	]	PUNCT
ejge-10173	216	1	[	[	X
ejge-10173	216	2	1	1	X
ejge-10173	216	3	]	]	PUNCT
ejge-10173	216	4	the	the	DET
ejge-10173	216	5	ratio	ratio	NOUN
ejge-10173	216	6	of	of	ADP
ejge-10173	216	7	averages	average	NOUN
ejge-10173	216	8	formula	formula	NOUN
ejge-10173	216	9	was	be	AUX
ejge-10173	216	10	then	then	ADV
ejge-10173	216	11	implemented	implement	VERB
ejge-10173	216	12	to	to	PART
ejge-10173	216	13	measure	measure	VERB
ejge-10173	216	14	benchmarking	benchmarking	NOUN
ejge-10173	216	15	indicators	indicator	NOUN
ejge-10173	216	16	for	for	ADP
ejge-10173	216	17	the	the	DET
ejge-10173	216	18	subindustry	subindustry	NOUN
ejge-10173	216	19	/	/	SYM
ejge-10173	216	20	industry	industry	NOUN
ejge-10173	216	21	level	level	NOUN
ejge-10173	216	22	and	and	CCONJ
ejge-10173	216	23	judge	judge	VERB
ejge-10173	216	24	whether	whether	SCONJ
ejge-10173	216	25	each	each	DET
ejge-10173	216	26	enterprise	enterprise	NOUN
ejge-10173	216	27	included	include	VERB
ejge-10173	216	28	in	in	ADP
ejge-10173	216	29	the	the	DET
ejge-10173	216	30	sample	sample	NOUN
ejge-10173	216	31	size	size	NOUN
ejge-10173	216	32	performs	perform	VERB
ejge-10173	216	33	below	below	ADP
ejge-10173	216	34	or	or	CCONJ
ejge-10173	216	35	above	above	ADP
ejge-10173	216	36	the	the	DET
ejge-10173	216	37	estimated	estimate	VERB
ejge-10173	216	38	industry	industry	NOUN
ejge-10173	216	39	level	level	NOUN
ejge-10173	216	40	.	.	PUNCT
ejge-10173	217	1	this	this	DET
ejge-10173	217	2	comparison	comparison	NOUN
ejge-10173	217	3	allows	allow	VERB
ejge-10173	217	4	for	for	ADP
ejge-10173	217	5	a	a	DET
ejge-10173	217	6	better	well	ADJ
ejge-10173	217	7	judgment	judgment	NOUN
ejge-10173	217	8	of	of	ADP
ejge-10173	217	9	where	where	SCONJ
ejge-10173	217	10	each	each	DET
ejge-10173	217	11	enterprise	enterprise	NOUN
ejge-10173	217	12	is	be	AUX
ejge-10173	217	13	positioned	position	VERB
ejge-10173	217	14	.	.	PUNCT
ejge-10173	218	1	for	for	ADP
ejge-10173	218	2	example	example	NOUN
ejge-10173	218	3	,	,	PUNCT
ejge-10173	218	4	as	as	SCONJ
ejge-10173	218	5	introduced	introduce	VERB
ejge-10173	218	6	in	in	ADP
ejge-10173	218	7	table	table	NOUN
ejge-10173	218	8	6	6	NUM
ejge-10173	218	9	,	,	PUNCT
ejge-10173	218	10	enterprise	enterprise	NOUN
ejge-10173	218	11	a	a	PRON
ejge-10173	218	12	has	have	VERB
ejge-10173	218	13	most	most	ADJ
ejge-10173	218	14	financial	financial	ADJ
ejge-10173	218	15	ratios	ratio	NOUN
ejge-10173	218	16	falling	fall	VERB
ejge-10173	218	17	into	into	ADP
ejge-10173	218	18	the	the	DET
ejge-10173	218	19	middle	middle	ADJ
ejge-10173	218	20	potential	potential	NOUN
ejge-10173	218	21	for	for	ADP
ejge-10173	218	22	the	the	DET
ejge-10173	218	23	creation	creation	NOUN
ejge-10173	218	24	of	of	ADP
ejge-10173	218	25	regional	regional	ADJ
ejge-10173	218	26	value	value	NOUN
ejge-10173	218	27	chains	chain	NOUN
ejge-10173	218	28	according	accord	VERB
ejge-10173	218	29	to	to	ADP
ejge-10173	218	30	the	the	DET
ejge-10173	218	31	criteria	criterion	NOUN
ejge-10173	218	32	introduced	introduce	VERB
ejge-10173	218	33	in	in	ADP
ejge-10173	218	34	table	table	NOUN
ejge-10173	218	35	4	4	NUM
ejge-10173	218	36	.	.	PUNCT
ejge-10173	219	1	as	as	ADP
ejge-10173	219	2	such	such	ADJ
ejge-10173	219	3	,	,	PUNCT
ejge-10173	219	4	the	the	DET
ejge-10173	219	5	final	final	ADJ
ejge-10173	219	6	placement	placement	NOUN
ejge-10173	219	7	for	for	ADP
ejge-10173	219	8	enterprise	enterprise	NOUN
ejge-10173	219	9	a	a	PRON
ejge-10173	219	10	has	have	VERB
ejge-10173	219	11	a	a	DET
ejge-10173	219	12	middle	middle	ADJ
ejge-10173	219	13	potential	potential	NOUN
ejge-10173	219	14	for	for	ADP
ejge-10173	219	15	the	the	DET
ejge-10173	219	16	creation	creation	NOUN
ejge-10173	219	17	of	of	ADP
ejge-10173	219	18	regional	regional	ADJ
ejge-10173	219	19	value	value	NOUN
ejge-10173	219	20	chains	chain	NOUN
ejge-10173	219	21	.	.	PUNCT
ejge-10173	220	1	a	a	DET
ejge-10173	220	2	similar	similar	ADJ
ejge-10173	220	3	analysis	analysis	NOUN
ejge-10173	220	4	is	be	AUX
ejge-10173	220	5	applied	apply	VERB
ejge-10173	220	6	to	to	ADP
ejge-10173	220	7	enterprises	enterprise	NOUN
ejge-10173	220	8	b	b	PROPN
ejge-10173	220	9	and	and	CCONJ
ejge-10173	220	10	c.	c.	NOUN
ejge-10173	220	11	in	in	ADP
ejge-10173	220	12	case	case	NOUN
ejge-10173	220	13	an	an	DET
ejge-10173	220	14	enterprise	enterprise	NOUN
ejge-10173	220	15	has	have	VERB
ejge-10173	220	16	the	the	DET
ejge-10173	220	17	same	same	ADJ
ejge-10173	220	18	number	number	NOUN
ejge-10173	220	19	of	of	ADP
ejge-10173	220	20	financial	financial	ADJ
ejge-10173	220	21	ratios	ratio	NOUN
ejge-10173	220	22	for	for	ADP
ejge-10173	220	23	all	all	DET
ejge-10173	220	24	categories	category	NOUN
ejge-10173	220	25	presented	present	VERB
ejge-10173	220	26	in	in	ADP
ejge-10173	220	27	table	table	NOUN
ejge-10173	220	28	5	5	NUM
ejge-10173	220	29	,	,	PUNCT
ejge-10173	220	30	then	then	ADV
ejge-10173	220	31	the	the	DET
ejge-10173	220	32	final	final	ADJ
ejge-10173	220	33	decision	decision	NOUN
ejge-10173	220	34	is	be	AUX
ejge-10173	220	35	based	base	VERB
ejge-10173	220	36	on	on	ADP
ejge-10173	220	37	the	the	DET
ejge-10173	220	38	financial	financial	ADJ
ejge-10173	220	39	ratios	ratio	NOUN
ejge-10173	220	40	with	with	ADP
ejge-10173	220	41	more	more	ADV
ejge-10173	220	42	dominant	dominant	ADJ
ejge-10173	220	43	values	value	NOUN
ejge-10173	220	44	(	(	PUNCT
ejge-10173	220	45	kiselakova	kiselakova	X
ejge-10173	220	46	et	et	PROPN
ejge-10173	220	47	al	al	PROPN
ejge-10173	220	48	.	.	PROPN
ejge-10173	220	49	,	,	PUNCT
ejge-10173	220	50	2018	2018	NUM
ejge-10173	220	51	)	)	PUNCT
ejge-10173	220	52	.	.	PUNCT
ejge-10173	221	1	table	table	NOUN
ejge-10173	221	2	6	6	NUM
ejge-10173	221	3	:	:	PUNCT
ejge-10173	221	4	example	example	NOUN
ejge-10173	221	5	of	of	ADP
ejge-10173	221	6	the	the	DET
ejge-10173	221	7	category	category	NOUN
ejge-10173	221	8	an	an	DET
ejge-10173	221	9	enterprise	enterprise	NOUN
ejge-10173	221	10	falls	fall	VERB
ejge-10173	221	11	regarding	regard	VERB
ejge-10173	221	12	the	the	DET
ejge-10173	221	13	creation	creation	NOUN
ejge-10173	221	14	of	of	ADP
ejge-10173	221	15	regional	regional	ADJ
ejge-10173	221	16	value	value	NOUN
ejge-10173	221	17	using	use	VERB
ejge-10173	221	18	fintech	fintech	NOUN
ejge-10173	221	19	applications	application	NOUN
ejge-10173	221	20	.	.	PUNCT
ejge-10173	222	1	scenario	scenario	NOUN
ejge-10173	222	2	low	low	ADJ
ejge-10173	222	3	potential	potential	NOUN
ejge-10173	222	4	for	for	ADP
ejge-10173	222	5	regional	regional	ADJ
ejge-10173	222	6	value	value	NOUN
ejge-10173	222	7	(	(	PUNCT
ejge-10173	222	8	no	no	INTJ
ejge-10173	222	9	.	.	NOUN
ejge-10173	222	10	of	of	ADP
ejge-10173	222	11	financial	financial	ADJ
ejge-10173	222	12	ratios	ratio	NOUN
ejge-10173	222	13	)	)	PUNCT
ejge-10173	222	14	.	.	PUNCT
ejge-10173	223	1	middle	middle	ADJ
ejge-10173	223	2	potential	potential	NOUN
ejge-10173	223	3	for	for	ADP
ejge-10173	223	4	regional	regional	ADJ
ejge-10173	223	5	value	value	NOUN
ejge-10173	223	6	chain	chain	NOUN
ejge-10173	223	7	(	(	PUNCT
ejge-10173	223	8	no	no	INTJ
ejge-10173	223	9	.	.	NOUN
ejge-10173	223	10	of	of	ADP
ejge-10173	223	11	financial	financial	ADJ
ejge-10173	223	12	ratios	ratio	NOUN
ejge-10173	223	13	)	)	PUNCT
ejge-10173	223	14	.	.	PUNCT
ejge-10173	224	1	high	high	ADJ
ejge-10173	224	2	potential	potential	NOUN
ejge-10173	224	3	for	for	ADP
ejge-10173	224	4	regional	regional	ADJ
ejge-10173	224	5	value	value	NOUN
ejge-10173	224	6	chain	chain	NOUN
ejge-10173	224	7	(	(	PUNCT
ejge-10173	224	8	no	no	INTJ
ejge-10173	224	9	.	.	NOUN
ejge-10173	224	10	of	of	ADP
ejge-10173	224	11	financial	financial	ADJ
ejge-10173	224	12	ratios	ratio	NOUN
ejge-10173	224	13	)	)	PUNCT
ejge-10173	224	14	.	.	PUNCT
ejge-10173	225	1	final	final	ADJ
ejge-10173	225	2	individual	individual	ADJ
ejge-10173	225	3	categorization	categorization	NOUN
ejge-10173	225	4	of	of	ADP
ejge-10173	225	5	enterprises	enterprise	NOUN
ejge-10173	225	6	enterprise	enterprise	VERB
ejge-10173	225	7	a	a	DET
ejge-10173	225	8	3	3	NUM
ejge-10173	225	9	5	5	NUM
ejge-10173	225	10	1	1	NUM
ejge-10173	225	11	middle	middle	ADJ
ejge-10173	225	12	enterprise	enterprise	NOUN
ejge-10173	225	13	b	b	NOUN
ejge-10173	225	14	6	6	NUM
ejge-10173	225	15	2	2	NUM
ejge-10173	225	16	1	1	NUM
ejge-10173	225	17	low	low	ADJ
ejge-10173	225	18	enterprise	enterprise	NOUN
ejge-10173	225	19	c	c	NOUN
ejge-10173	225	20	2	2	NUM
ejge-10173	225	21	3	3	NUM
ejge-10173	225	22	5	5	NUM
ejge-10173	225	23	high	high	ADJ
ejge-10173	225	24	enterprise	enterprise	NOUN
ejge-10173	225	25	d	d	NOUN
ejge-10173	225	26	3	3	NUM
ejge-10173	225	27	3	3	NUM
ejge-10173	225	28	3	3	NUM
ejge-10173	225	29	ratios	ratio	NOUN
ejge-10173	225	30	with	with	ADP
ejge-10173	225	31	the	the	DET
ejge-10173	225	32	highest	high	ADJ
ejge-10173	225	33	value	value	NOUN
ejge-10173	225	34	will	will	AUX
ejge-10173	225	35	prevail	prevail	VERB
ejge-10173	225	36	.	.	PUNCT
ejge-10173	226	1	source	source	NOUN
ejge-10173	226	2	:	:	PUNCT
ejge-10173	226	3	prepared	prepare	VERB
ejge-10173	226	4	by	by	ADP
ejge-10173	226	5	authors	author	NOUN
ejge-10173	226	6	4	4	NUM
ejge-10173	226	7	.	.	X
ejge-10173	226	8	main	main	ADJ
ejge-10173	226	9	results	result	NOUN
ejge-10173	226	10	our	our	PRON
ejge-10173	226	11	findings	finding	NOUN
ejge-10173	226	12	indicate	indicate	VERB
ejge-10173	226	13	that	that	SCONJ
ejge-10173	226	14	most	most	ADJ
ejge-10173	226	15	enterprises	enterprise	NOUN
ejge-10173	226	16	demonstrate	demonstrate	VERB
ejge-10173	226	17	a	a	DET
ejge-10173	226	18	medium	medium	NOUN
ejge-10173	226	19	to	to	ADP
ejge-10173	226	20	low	low	ADJ
ejge-10173	226	21	potential	potential	NOUN
ejge-10173	226	22	in	in	ADP
ejge-10173	226	23	creating	create	VERB
ejge-10173	226	24	regional	regional	ADJ
ejge-10173	226	25	value	value	NOUN
ejge-10173	226	26	chains	chain	NOUN
ejge-10173	226	27	resulting	result	VERB
ejge-10173	226	28	from	from	ADP
ejge-10173	226	29	fintech	fintech	NOUN
ejge-10173	226	30	applications	application	NOUN
ejge-10173	226	31	.	.	PUNCT
ejge-10173	227	1	with	with	ADP
ejge-10173	227	2	of	of	ADP
ejge-10173	227	3	enterprises	enterprise	NOUN
ejge-10173	227	4	in	in	ADP
ejge-10173	227	5	the	the	DET
ejge-10173	227	6	sample	sample	NOUN
ejge-10173	227	7	have	have	AUX
ejge-10173	227	8	generally	generally	ADV
ejge-10173	227	9	demonstrated	demonstrate	VERB
ejge-10173	227	10	a	a	DET
ejge-10173	227	11	medium	medium	NOUN
ejge-10173	227	12	to	to	ADP
ejge-10173	227	13	low	low	ADJ
ejge-10173	227	14	outsourcing	outsourcing	NOUN
ejge-10173	227	15	potential	potential	NOUN
ejge-10173	227	16	.	.	PUNCT
ejge-10173	228	1	the	the	DET
ejge-10173	228	2	most	most	ADV
ejge-10173	228	3	affected	affect	VERB
ejge-10173	228	4	subindustries	subindustrie	NOUN
ejge-10173	228	5	are	be	AUX
ejge-10173	228	6	automotive	automotive	ADJ
ejge-10173	228	7	retail	retail	NOUN
ejge-10173	228	8	(	(	PUNCT
ejge-10173	228	9	52	52	NUM
ejge-10173	228	10	%	%	NOUN
ejge-10173	228	11	)	)	PUNCT
ejge-10173	228	12	and	and	CCONJ
ejge-10173	228	13	home	home	NOUN
ejge-10173	228	14	improvement	improvement	NOUN
ejge-10173	228	15	retail	retail	NOUN
ejge-10173	228	16	(	(	PUNCT
ejge-10173	228	17	61	61	NUM
ejge-10173	228	18	%	%	NOUN
ejge-10173	228	19	)	)	PUNCT
ejge-10173	228	20	.	.	PUNCT
ejge-10173	229	1	these	these	DET
ejge-10173	229	2	subindustries	subindustrie	NOUN
ejge-10173	229	3	demonstrate	demonstrate	VERB
ejge-10173	229	4	lengthy	lengthy	ADJ
ejge-10173	229	5	account	account	NOUN
ejge-10173	229	6	receivables	receivables	NOUN
ejge-10173	229	7	over	over	ADP
ejge-10173	229	8	20	20	NUM
ejge-10173	229	9	days	day	NOUN
ejge-10173	229	10	and	and	CCONJ
ejge-10173	229	11	have	have	VERB
ejge-10173	229	12	less	less	ADJ
ejge-10173	229	13	than	than	ADP
ejge-10173	229	14	30	30	NUM
ejge-10173	229	15	%	%	NOUN
ejge-10173	229	16	of	of	ADP
ejge-10173	229	17	customer	customer	NOUN
ejge-10173	229	18	payments	payment	NOUN
ejge-10173	229	19	made	make	VERB
ejge-10173	229	20	through	through	ADP
ejge-10173	229	21	fintech	fintech	NOUN
ejge-10173	229	22	technologies	technology	NOUN
ejge-10173	229	23	.	.	PUNCT
ejge-10173	230	1	the	the	DET
ejge-10173	230	2	lengthy	lengthy	ADJ
ejge-10173	230	3	payment	payment	NOUN
ejge-10173	230	4	cycle	cycle	NOUN
ejge-10173	230	5	results	result	NOUN
ejge-10173	230	6	from	from	ADP
ejge-10173	230	7	the	the	DET
ejge-10173	230	8	type	type	NOUN
ejge-10173	230	9	of	of	ADP
ejge-10173	230	10	goods	good	NOUN
ejge-10173	230	11	(	(	PUNCT
ejge-10173	230	12	automobiles	automobile	NOUN
ejge-10173	230	13	,	,	PUNCT
ejge-10173	230	14	home	home	NOUN
ejge-10173	230	15	furniture	furniture	NOUN
ejge-10173	230	16	,	,	PUNCT
ejge-10173	230	17	electric	electric	ADJ
ejge-10173	230	18	appliances	appliance	NOUN
ejge-10173	230	19	,	,	PUNCT
ejge-10173	230	20	etc	etc	X
ejge-10173	230	21	.	.	X
ejge-10173	230	22	)	)	PUNCT
ejge-10173	231	1	these	these	DET
ejge-10173	231	2	industries	industry	NOUN
ejge-10173	231	3	sell	sell	VERB
ejge-10173	231	4	to	to	ADP
ejge-10173	231	5	customers	customer	NOUN
ejge-10173	231	6	goods	good	NOUN
ejge-10173	231	7	,	,	PUNCT
ejge-10173	231	8	which	which	PRON
ejge-10173	231	9	are	be	AUX
ejge-10173	231	10	mostly	mostly	ADV
ejge-10173	231	11	considered	consider	VERB
ejge-10173	231	12	an	an	DET
ejge-10173	231	13	investment	investment	NOUN
ejge-10173	231	14	rather	rather	ADV
ejge-10173	231	15	than	than	ADP
ejge-10173	231	16	an	an	DET
ejge-10173	231	17	expense	expense	NOUN
ejge-10173	231	18	.	.	PUNCT
ejge-10173	232	1	as	as	ADP
ejge-10173	232	2	such	such	ADJ
ejge-10173	232	3	,	,	PUNCT
ejge-10173	232	4	enterprises	enterprise	NOUN
ejge-10173	232	5	in	in	ADP
ejge-10173	232	6	these	these	DET
ejge-10173	232	7	subindustries	subindustrie	NOUN
ejge-10173	232	8	prefer	prefer	VERB
ejge-10173	232	9	to	to	PART
ejge-10173	232	10	receive	receive	VERB
ejge-10173	232	11	bank	bank	NOUN
ejge-10173	232	12	transfers	transfer	NOUN
ejge-10173	232	13	rather	rather	ADV
ejge-10173	232	14	than	than	ADP
ejge-10173	232	15	online	online	ADJ
ejge-10173	232	16	payments	payment	NOUN
ejge-10173	232	17	.	.	PUNCT
ejge-10173	233	1	however	however	ADV
ejge-10173	233	2	,	,	PUNCT
ejge-10173	233	3	for	for	ADP
ejge-10173	233	4	the	the	DET
ejge-10173	233	5	provision	provision	NOUN
ejge-10173	233	6	of	of	ADP
ejge-10173	233	7	services	service	NOUN
ejge-10173	233	8	like	like	ADP
ejge-10173	233	9	unlocking	unlock	VERB
ejge-10173	233	10	regional	regional	ADJ
ejge-10173	233	11	value	value	NOUN
ejge-10173	233	12	chains	chain	NOUN
ejge-10173	233	13	repairs	repair	NOUN
ejge-10173	233	14	,	,	PUNCT
ejge-10173	233	15	both	both	PRON
ejge-10173	233	16	customers	customer	NOUN
ejge-10173	233	17	and	and	CCONJ
ejge-10173	233	18	enterprises	enterprise	NOUN
ejge-10173	233	19	prefer	prefer	VERB
ejge-10173	233	20	online	online	ADJ
ejge-10173	233	21	payments	payment	NOUN
ejge-10173	233	22	.	.	PUNCT
ejge-10173	234	1	differently	differently	ADV
ejge-10173	234	2	,	,	PUNCT
ejge-10173	234	3	in	in	ADP
ejge-10173	234	4	the	the	DET
ejge-10173	234	5	european	european	ADJ
ejge-10173	234	6	value	value	NOUN
ejge-10173	234	7	chain	chain	NOUN
ejge-10173	234	8	,	,	PUNCT
ejge-10173	234	9	fintech	fintech	NOUN
ejge-10173	234	10	applications	application	NOUN
ejge-10173	234	11	are	be	AUX
ejge-10173	234	12	spreading	spread	VERB
ejge-10173	234	13	rapidly	rapidly	ADV
ejge-10173	234	14	in	in	ADP
ejge-10173	234	15	the	the	DET
ejge-10173	234	16	automotive	automotive	ADJ
ejge-10173	234	17	industry	industry	NOUN
ejge-10173	234	18	,	,	PUNCT
ejge-10173	234	19	such	such	ADJ
ejge-10173	234	20	as	as	ADP
ejge-10173	234	21	the	the	DET
ejge-10173	234	22	new	new	ADJ
ejge-10173	234	23	partnership	partnership	NOUN
ejge-10173	234	24	of	of	ADP
ejge-10173	234	25	mercedez	mercedez	PROPN
ejge-10173	234	26	-	-	PUNCT
ejge-10173	234	27	benz	benz	PROPN
ejge-10173	234	28	financial	financial	PROPN
ejge-10173	234	29	services	service	NOUN
ejge-10173	234	30	with	with	ADP
ejge-10173	234	31	autogravity	autogravity	NOUN
ejge-10173	234	32	applications	application	NOUN
ejge-10173	234	33	.	.	PUNCT
ejge-10173	235	1	this	this	DET
ejge-10173	235	2	partnership	partnership	NOUN
ejge-10173	235	3	will	will	AUX
ejge-10173	235	4	allow	allow	VERB
ejge-10173	235	5	potential	potential	ADJ
ejge-10173	235	6	buyers	buyer	NOUN
ejge-10173	235	7	to	to	PART
ejge-10173	235	8	select	select	VERB
ejge-10173	235	9	their	their	PRON
ejge-10173	235	10	car	car	NOUN
ejge-10173	235	11	by	by	ADP
ejge-10173	235	12	identifying	identify	VERB
ejge-10173	235	13	all	all	DET
ejge-10173	235	14	nearby	nearby	ADJ
ejge-10173	235	15	dealerships	dealership	NOUN
ejge-10173	235	16	.	.	PUNCT
ejge-10173	236	1	users	user	NOUN
ejge-10173	236	2	can	can	AUX
ejge-10173	236	3	apply	apply	VERB
ejge-10173	236	4	for	for	ADP
ejge-10173	236	5	online	online	ADJ
ejge-10173	236	6	financing	financing	NOUN
ejge-10173	236	7	by	by	ADP
ejge-10173	236	8	having	have	VERB
ejge-10173	236	9	access	access	NOUN
ejge-10173	236	10	to	to	ADP
ejge-10173	236	11	mercedez	mercedez	PROPN
ejge-10173	236	12	-	-	PUNCT
ejge-10173	236	13	benz	benz	PROPN
ejge-10173	236	14	lending	lending	NOUN
ejge-10173	236	15	purchasing	purchasing	NOUN
ejge-10173	236	16	options	option	NOUN
ejge-10173	236	17	.	.	PUNCT
ejge-10173	237	1	in	in	ADP
ejge-10173	237	2	addition	addition	NOUN
ejge-10173	237	3	,	,	PUNCT
ejge-10173	237	4	in	in	ADP
ejge-10173	237	5	the	the	DET
ejge-10173	237	6	home	home	NOUN
ejge-10173	237	7	retail	retail	ADJ
ejge-10173	237	8	industry	industry	NOUN
ejge-10173	237	9	,	,	PUNCT
ejge-10173	237	10	there	there	PRON
ejge-10173	237	11	is	be	VERB
ejge-10173	237	12	an	an	DET
ejge-10173	237	13	increase	increase	NOUN
ejge-10173	237	14	in	in	ADP
ejge-10173	237	15	the	the	DET
ejge-10173	237	16	buy	buy	NOUN
ejge-10173	237	17	now	now	ADV
ejge-10173	237	18	,	,	PUNCT
ejge-10173	237	19	pay	pay	VERB
ejge-10173	237	20	later	later	ADV
ejge-10173	237	21	(	(	PUNCT
ejge-10173	237	22	bnpl	bnpl	NOUN
ejge-10173	237	23	)	)	PUNCT
ejge-10173	237	24	services	service	NOUN
ejge-10173	237	25	that	that	PRON
ejge-10173	237	26	are	be	AUX
ejge-10173	237	27	reshaping	reshape	VERB
ejge-10173	237	28	retail	retail	NOUN
ejge-10173	237	29	.	.	PUNCT
ejge-10173	238	1	these	these	DET
ejge-10173	238	2	platforms	platform	NOUN
ejge-10173	238	3	allow	allow	VERB
ejge-10173	238	4	consumers	consumer	NOUN
ejge-10173	238	5	to	to	PART
ejge-10173	238	6	make	make	VERB
ejge-10173	238	7	purchases	purchase	NOUN
ejge-10173	238	8	and	and	CCONJ
ejge-10173	238	9	spread	spread	VERB
ejge-10173	238	10	the	the	DET
ejge-10173	238	11	cost	cost	NOUN
ejge-10173	238	12	over	over	ADP
ejge-10173	238	13	installment	installment	NOUN
ejge-10173	238	14	payments	payment	NOUN
ejge-10173	238	15	,	,	PUNCT
ejge-10173	238	16	often	often	ADV
ejge-10173	238	17	with	with	ADP
ejge-10173	238	18	low	low	ADJ
ejge-10173	238	19	or	or	CCONJ
ejge-10173	238	20	no	no	PRON
ejge-10173	238	21	interest	interest	NOUN
ejge-10173	238	22	rates	rate	NOUN
ejge-10173	238	23	.	.	PUNCT
ejge-10173	239	1	bnpl	bnpl	PROPN
ejge-10173	239	2	services	service	NOUN
ejge-10173	239	3	are	be	AUX
ejge-10173	239	4	attractive	attractive	ADJ
ejge-10173	239	5	to	to	ADP
ejge-10173	239	6	consumers	consumer	NOUN
ejge-10173	239	7	who	who	PRON
ejge-10173	239	8	look	look	VERB
ejge-10173	239	9	for	for	ADP
ejge-10173	239	10	flexibility	flexibility	NOUN
ejge-10173	239	11	and	and	CCONJ
ejge-10173	239	12	affordability	affordability	NOUN
ejge-10173	239	13	while	while	SCONJ
ejge-10173	239	14	making	make	VERB
ejge-10173	239	15	purchases	purchase	NOUN
ejge-10173	239	16	and	and	CCONJ
ejge-10173	239	17	are	be	AUX
ejge-10173	239	18	reluctant	reluctant	ADJ
ejge-10173	239	19	to	to	PART
ejge-10173	239	20	use	use	VERB
ejge-10173	239	21	traditional	traditional	ADJ
ejge-10173	239	22	credit	credit	NOUN
ejge-10173	239	23	cards	card	NOUN
ejge-10173	239	24	and	and	CCONJ
ejge-10173	239	25	debt	debt	NOUN
ejge-10173	239	26	(	(	PUNCT
ejge-10173	239	27	kacani	kacani	NOUN
ejge-10173	239	28	et	et	PROPN
ejge-10173	239	29	al	al	PROPN
ejge-10173	239	30	.	.	PROPN
ejge-10173	239	31	,	,	PUNCT
ejge-10173	239	32	2022	2022	NUM
ejge-10173	239	33	)	)	PUNCT
ejge-10173	239	34	.	.	PUNCT
ejge-10173	240	1	despite	despite	SCONJ
ejge-10173	240	2	these	these	DET
ejge-10173	240	3	services	service	NOUN
ejge-10173	240	4	having	having	AUX
ejge-10173	240	5	gained	gain	VERB
ejge-10173	240	6	much	much	ADJ
ejge-10173	240	7	popularity	popularity	NOUN
ejge-10173	240	8	in	in	ADP
ejge-10173	240	9	the	the	DET
ejge-10173	240	10	european	european	ADJ
ejge-10173	240	11	value	value	NOUN
ejge-10173	240	12	chain	chain	NOUN
ejge-10173	240	13	,	,	PUNCT
ejge-10173	240	14	there	there	PRON
ejge-10173	240	15	are	be	VERB
ejge-10173	240	16	several	several	ADJ
ejge-10173	240	17	limitations	limitation	NOUN
ejge-10173	240	18	to	to	ADP
ejge-10173	240	19	implementing	implement	VERB
ejge-10173	240	20	such	such	ADJ
ejge-10173	240	21	novelties	novelty	NOUN
ejge-10173	240	22	in	in	ADP
ejge-10173	240	23	the	the	DET
ejge-10173	240	24	western	western	ADJ
ejge-10173	240	25	balkan	balkan	ADJ
ejge-10173	240	26	countries	country	NOUN
ejge-10173	240	27	.	.	PUNCT
ejge-10173	241	1	legislative	legislative	ADJ
ejge-10173	241	2	constraints	constraint	NOUN
ejge-10173	241	3	such	such	ADJ
ejge-10173	241	4	as	as	ADP
ejge-10173	241	5	limited	limited	ADJ
ejge-10173	241	6	lump	lump	NOUN
ejge-10173	241	7	sum	sum	NOUN
ejge-10173	241	8	amounts	amount	NOUN
ejge-10173	241	9	of	of	ADP
ejge-10173	241	10	e	e	NOUN
ejge-10173	241	11	-	-	NOUN
ejge-10173	241	12	payments	payment	NOUN
ejge-10173	241	13	without	without	ADP
ejge-10173	241	14	declaring	declare	VERB
ejge-10173	241	15	the	the	DET
ejge-10173	241	16	origin	origin	NOUN
ejge-10173	241	17	of	of	ADP
ejge-10173	241	18	funds	fund	NOUN
ejge-10173	241	19	amplify	amplify	VERB
ejge-10173	241	20	the	the	DET
ejge-10173	241	21	administrative	administrative	ADJ
ejge-10173	241	22	burden	burden	NOUN
ejge-10173	241	23	for	for	SCONJ
ejge-10173	241	24	customers	customer	NOUN
ejge-10173	241	25	to	to	PART
ejge-10173	241	26	make	make	VERB
ejge-10173	241	27	large	large	ADJ
ejge-10173	241	28	purchases	purchase	NOUN
ejge-10173	241	29	such	such	ADJ
ejge-10173	241	30	as	as	ADP
ejge-10173	241	31	automobiles	automobile	NOUN
ejge-10173	241	32	or	or	CCONJ
ejge-10173	241	33	furniture	furniture	NOUN
ejge-10173	241	34	.	.	PUNCT
ejge-10173	242	1	in	in	ADP
ejge-10173	242	2	addition	addition	NOUN
ejge-10173	242	3	,	,	PUNCT
ejge-10173	242	4	the	the	DET
ejge-10173	242	5	weak	weak	ADJ
ejge-10173	242	6	supervision	supervision	NOUN
ejge-10173	242	7	of	of	ADP
ejge-10173	242	8	financial	financial	ADJ
ejge-10173	242	9	institutions	institution	NOUN
ejge-10173	242	10	,	,	PUNCT
ejge-10173	242	11	the	the	DET
ejge-10173	242	12	high	high	ADJ
ejge-10173	242	13	risk	risk	NOUN
ejge-10173	242	14	of	of	ADP
ejge-10173	242	15	payment	payment	NOUN
ejge-10173	242	16	default	default	NOUN
ejge-10173	242	17	,	,	PUNCT
ejge-10173	242	18	and	and	CCONJ
ejge-10173	242	19	the	the	DET
ejge-10173	242	20	dubious	dubious	ADJ
ejge-10173	242	21	source	source	NOUN
ejge-10173	242	22	of	of	ADP
ejge-10173	242	23	funds	fund	NOUN
ejge-10173	242	24	in	in	ADP
ejge-10173	242	25	emerging	emerge	VERB
ejge-10173	242	26	economies	economy	NOUN
ejge-10173	242	27	like	like	ADP
ejge-10173	242	28	those	those	PRON
ejge-10173	242	29	in	in	ADP
ejge-10173	242	30	the	the	DET
ejge-10173	242	31	western	western	ADJ
ejge-10173	242	32	balkans	balkans	PROPN
ejge-10173	242	33	,	,	PUNCT
ejge-10173	242	34	restrain	restrain	VERB
ejge-10173	242	35	head	head	NOUN
ejge-10173	242	36	offices	office	NOUN
ejge-10173	242	37	in	in	ADP
ejge-10173	242	38	the	the	DET
ejge-10173	242	39	automotive	automotive	ADJ
ejge-10173	242	40	and	and	CCONJ
ejge-10173	242	41	home	home	NOUN
ejge-10173	242	42	retail	retail	NOUN
ejge-10173	242	43	from	from	ADP
ejge-10173	242	44	allowing	allow	VERB
ejge-10173	242	45	the	the	DET
ejge-10173	242	46	use	use	NOUN
ejge-10173	242	47	of	of	ADP
ejge-10173	242	48	bnpl	bnpl	NOUN
ejge-10173	242	49	or	or	CCONJ
ejge-10173	242	50	online	online	ADJ
ejge-10173	242	51	financing	financing	NOUN
ejge-10173	242	52	(	(	PUNCT
ejge-10173	242	53	yue	yue	PROPN
ejge-10173	242	54	,	,	PUNCT
ejge-10173	242	55	2020	2020	NUM
ejge-10173	242	56	)	)	PUNCT
ejge-10173	242	57	.	.	PUNCT
ejge-10173	243	1	on	on	ADP
ejge-10173	243	2	the	the	DET
ejge-10173	243	3	other	other	ADJ
ejge-10173	243	4	hand	hand	NOUN
ejge-10173	243	5	,	,	PUNCT
ejge-10173	243	6	subindustries	subindustrie	NOUN
ejge-10173	243	7	that	that	PRON
ejge-10173	243	8	demonstrate	demonstrate	VERB
ejge-10173	243	9	the	the	DET
ejge-10173	243	10	highest	high	ADJ
ejge-10173	243	11	potential	potential	NOUN
ejge-10173	243	12	for	for	ADP
ejge-10173	243	13	the	the	DET
ejge-10173	243	14	creation	creation	NOUN
ejge-10173	243	15	of	of	ADP
ejge-10173	243	16	regional	regional	ADJ
ejge-10173	243	17	value	value	NOUN
ejge-10173	243	18	chains	chain	NOUN
ejge-10173	243	19	are	be	AUX
ejge-10173	243	20	hotels	hotel	NOUN
ejge-10173	243	21	,	,	PUNCT
ejge-10173	243	22	resorts	resort	NOUN
ejge-10173	243	23	,	,	PUNCT
ejge-10173	243	24	and	and	CCONJ
ejge-10173	243	25	cruise	cruise	NOUN
ejge-10173	243	26	lines	line	NOUN
ejge-10173	243	27	(	(	PUNCT
ejge-10173	243	28	42	42	NUM
ejge-10173	243	29	%	%	NOUN
ejge-10173	243	30	)	)	PUNCT
ejge-10173	243	31	,	,	PUNCT
ejge-10173	243	32	apparel	apparel	NOUN
ejge-10173	243	33	retail	retail	NOUN
ejge-10173	243	34	(	(	PUNCT
ejge-10173	243	35	38	38	NUM
ejge-10173	243	36	%	%	NOUN
ejge-10173	243	37	)	)	PUNCT
ejge-10173	243	38	,	,	PUNCT
ejge-10173	243	39	and	and	CCONJ
ejge-10173	243	40	food	food	NOUN
ejge-10173	243	41	retail	retail	NOUN
ejge-10173	243	42	(	(	PUNCT
ejge-10173	243	43	36	36	NUM
ejge-10173	243	44	%	%	NOUN
ejge-10173	243	45	)	)	PUNCT
ejge-10173	243	46	.	.	PUNCT
ejge-10173	244	1	these	these	PRON
ejge-10173	244	2	are	be	AUX
ejge-10173	244	3	also	also	ADV
ejge-10173	244	4	the	the	DET
ejge-10173	244	5	industries	industry	NOUN
ejge-10173	244	6	with	with	ADP
ejge-10173	244	7	the	the	DET
ejge-10173	244	8	highest	high	ADJ
ejge-10173	244	9	level	level	NOUN
ejge-10173	244	10	of	of	ADP
ejge-10173	244	11	e	e	NOUN
ejge-10173	244	12	-	-	NOUN
ejge-10173	244	13	commerce	commerce	NOUN
ejge-10173	244	14	transactions	transaction	NOUN
ejge-10173	244	15	in	in	ADP
ejge-10173	244	16	the	the	DET
ejge-10173	244	17	region	region	NOUN
ejge-10173	244	18	,	,	PUNCT
ejge-10173	244	19	which	which	PRON
ejge-10173	244	20	boomed	boom	VERB
ejge-10173	244	21	,	,	PUNCT
ejge-10173	244	22	especially	especially	ADV
ejge-10173	244	23	during	during	ADP
ejge-10173	244	24	the	the	DET
ejge-10173	244	25	covid-19	covid-19	PROPN
ejge-10173	244	26	pandemic	pandemic	NOUN
ejge-10173	244	27	.	.	PUNCT
ejge-10173	245	1	enterprises	enterprise	NOUN
ejge-10173	245	2	in	in	ADP
ejge-10173	245	3	the	the	DET
ejge-10173	245	4	apparel	apparel	NOUN
ejge-10173	245	5	and	and	CCONJ
ejge-10173	245	6	food	food	NOUN
ejge-10173	245	7	retail	retail	ADJ
ejge-10173	245	8	re	re	VERB
ejge-10173	245	9	-	-	VERB
ejge-10173	245	10	evaluated	evaluate	VERB
ejge-10173	245	11	their	their	PRON
ejge-10173	245	12	business	business	NOUN
ejge-10173	245	13	operating	operating	NOUN
ejge-10173	245	14	model	model	NOUN
ejge-10173	245	15	,	,	PUNCT
ejge-10173	245	16	acquiring	acquire	VERB
ejge-10173	245	17	new	new	ADJ
ejge-10173	245	18	technological	technological	ADJ
ejge-10173	245	19	skill	skill	NOUN
ejge-10173	245	20	sets	set	NOUN
ejge-10173	245	21	and	and	CCONJ
ejge-10173	245	22	making	make	VERB
ejge-10173	245	23	additional	additional	ADJ
ejge-10173	245	24	fintech	fintech	NOUN
ejge-10173	245	25	investments	investment	NOUN
ejge-10173	245	26	,	,	PUNCT
ejge-10173	245	27	especially	especially	ADV
ejge-10173	245	28	in	in	ADP
ejge-10173	245	29	blockchain	blockchain	PROPN
ejge-10173	245	30	technologies	technology	NOUN
ejge-10173	245	31	to	to	PART
ejge-10173	245	32	meet	meet	VERB
ejge-10173	245	33	the	the	DET
ejge-10173	245	34	ever	ever	ADV
ejge-10173	245	35	-	-	PUNCT
ejge-10173	245	36	increasing	increase	VERB
ejge-10173	245	37	demand	demand	NOUN
ejge-10173	245	38	for	for	ADP
ejge-10173	245	39	online	online	ADJ
ejge-10173	245	40	sales	sale	NOUN
ejge-10173	245	41	.	.	PUNCT
ejge-10173	246	1	as	as	SCONJ
ejge-10173	246	2	a	a	DET
ejge-10173	246	3	growing	grow	VERB
ejge-10173	246	4	number	number	NOUN
ejge-10173	246	5	of	of	ADP
ejge-10173	246	6	individuals	individual	NOUN
ejge-10173	246	7	made	make	VERB
ejge-10173	246	8	online	online	ADJ
ejge-10173	246	9	purchases	purchase	NOUN
ejge-10173	246	10	,	,	PUNCT
ejge-10173	246	11	it	it	PRON
ejge-10173	246	12	presented	present	VERB
ejge-10173	246	13	novel	novel	ADJ
ejge-10173	246	14	prospects	prospect	NOUN
ejge-10173	246	15	for	for	ADP
ejge-10173	246	16	emerging	emerge	VERB
ejge-10173	246	17	enterprises	enterprise	NOUN
ejge-10173	246	18	to	to	PART
ejge-10173	246	19	expand	expand	VERB
ejge-10173	246	20	their	their	PRON
ejge-10173	246	21	digital	digital	ADJ
ejge-10173	246	22	presence	presence	NOUN
ejge-10173	246	23	and	and	CCONJ
ejge-10173	246	24	broaden	broaden	VERB
ejge-10173	246	25	their	their	PRON
ejge-10173	246	26	reach	reach	NOUN
ejge-10173	246	27	in	in	ADP
ejge-10173	246	28	a	a	DET
ejge-10173	246	29	broader	broad	ADJ
ejge-10173	246	30	e	e	NOUN
ejge-10173	246	31	-	-	NOUN
ejge-10173	246	32	commerce	commerce	NOUN
ejge-10173	246	33	landscape	landscape	NOUN
ejge-10173	246	34	,	,	PUNCT
ejge-10173	246	35	including	include	VERB
ejge-10173	246	36	operations	operation	NOUN
ejge-10173	246	37	and	and	CCONJ
ejge-10173	246	38	services	service	NOUN
ejge-10173	246	39	in	in	ADP
ejge-10173	246	40	several	several	ADJ
ejge-10173	246	41	countries	country	NOUN
ejge-10173	246	42	in	in	ADP
ejge-10173	246	43	the	the	DET
ejge-10173	246	44	western	western	ADJ
ejge-10173	246	45	balkans	balkans	PROPN
ejge-10173	246	46	.	.	PUNCT
ejge-10173	247	1	fintech	fintech	NOUN
ejge-10173	247	2	innovations	innovation	NOUN
ejge-10173	247	3	are	be	AUX
ejge-10173	247	4	crucial	crucial	ADJ
ejge-10173	247	5	for	for	ADP
ejge-10173	247	6	e	e	NOUN
ejge-10173	247	7	-	-	NOUN
ejge-10173	247	8	payments	payment	NOUN
ejge-10173	247	9	and	and	CCONJ
ejge-10173	247	10	e	e	NOUN
ejge-10173	247	11	-	-	NOUN
ejge-10173	247	12	commerce	commerce	NOUN
ejge-10173	247	13	,	,	PUNCT
ejge-10173	247	14	with	with	ADP
ejge-10173	247	15	a	a	DET
ejge-10173	247	16	few	few	ADJ
ejge-10173	247	17	successful	successful	ADJ
ejge-10173	247	18	examples	example	NOUN
ejge-10173	247	19	in	in	ADP
ejge-10173	247	20	the	the	DET
ejge-10173	247	21	region	region	NOUN
ejge-10173	247	22	,	,	PUNCT
ejge-10173	247	23	such	such	ADJ
ejge-10173	247	24	as	as	ADP
ejge-10173	247	25	the	the	DET
ejge-10173	247	26	albanian	albanian	ADJ
ejge-10173	247	27	gjirafa	gjirafa	NOUN
ejge-10173	247	28	and	and	CCONJ
ejge-10173	247	29	serbian	serbian	ADJ
ejge-10173	247	30	fishingbooker.com	fishingbooker.com	X
ejge-10173	247	31	.	.	PUNCT
ejge-10173	248	1	nevertheless	nevertheless	ADV
ejge-10173	248	2	,	,	PUNCT
ejge-10173	248	3	during	during	ADP
ejge-10173	248	4	a	a	DET
ejge-10173	248	5	discussion	discussion	NOUN
ejge-10173	248	6	with	with	ADP
ejge-10173	248	7	the	the	DET
ejge-10173	248	8	management	management	NOUN
ejge-10173	248	9	of	of	ADP
ejge-10173	248	10	these	these	DET
ejge-10173	248	11	enterprises	enterprise	NOUN
ejge-10173	248	12	,	,	PUNCT
ejge-10173	248	13	it	it	PRON
ejge-10173	248	14	was	be	AUX
ejge-10173	248	15	suggested	suggest	VERB
ejge-10173	248	16	that	that	SCONJ
ejge-10173	248	17	a	a	DET
ejge-10173	248	18	multitude	multitude	NOUN
ejge-10173	248	19	of	of	ADP
ejge-10173	248	20	obstacles	obstacle	NOUN
ejge-10173	248	21	hindering	hinder	VERB
ejge-10173	248	22	the	the	DET
ejge-10173	248	23	advancement	advancement	NOUN
ejge-10173	248	24	of	of	ADP
ejge-10173	248	25	fintech	fintech	NOUN
ejge-10173	248	26	in	in	ADP
ejge-10173	248	27	e	e	NOUN
ejge-10173	248	28	-	-	NOUN
ejge-10173	248	29	commerce	commerce	NOUN
ejge-10173	248	30	exist	exist	NOUN
ejge-10173	248	31	.	.	PUNCT
ejge-10173	249	1	first	first	ADV
ejge-10173	249	2	,	,	PUNCT
ejge-10173	249	3	e	e	NOUN
ejge-10173	249	4	-	-	NOUN
ejge-10173	249	5	commerce	commerce	NOUN
ejge-10173	249	6	associations	association	NOUN
ejge-10173	249	7	need	need	VERB
ejge-10173	249	8	a	a	DET
ejge-10173	249	9	special	special	ADJ
ejge-10173	249	10	license	license	NOUN
ejge-10173	249	11	in	in	ADP
ejge-10173	249	12	bosnia	bosnia	PROPN
ejge-10173	249	13	and	and	CCONJ
ejge-10173	249	14	herzegovina	herzegovina	PROPN
ejge-10173	249	15	,	,	PUNCT
ejge-10173	249	16	serbia	serbia	PROPN
ejge-10173	249	17	,	,	PUNCT
ejge-10173	249	18	and	and	CCONJ
ejge-10173	249	19	montenegro	montenegro	PROPN
ejge-10173	249	20	.	.	PUNCT
ejge-10173	250	1	this	this	PRON
ejge-10173	250	2	prevents	prevent	VERB
ejge-10173	250	3	european	european	ADJ
ejge-10173	250	4	firms	firm	NOUN
ejge-10173	250	5	with	with	ADP
ejge-10173	250	6	a	a	DET
ejge-10173	250	7	license	license	NOUN
ejge-10173	250	8	abroad	abroad	ADV
ejge-10173	250	9	from	from	ADP
ejge-10173	250	10	attempting	attempt	VERB
ejge-10173	250	11	to	to	PART
ejge-10173	250	12	enter	enter	VERB
ejge-10173	250	13	the	the	DET
ejge-10173	250	14	country	country	NOUN
ejge-10173	250	15	.	.	PUNCT
ejge-10173	251	1	moreover	moreover	ADV
ejge-10173	251	2	,	,	PUNCT
ejge-10173	251	3	there	there	PRON
ejge-10173	251	4	are	be	VERB
ejge-10173	251	5	a	a	DET
ejge-10173	251	6	limited	limited	ADJ
ejge-10173	251	7	number	number	NOUN
ejge-10173	251	8	of	of	ADP
ejge-10173	251	9	payment	payment	NOUN
ejge-10173	251	10	gateway	gateway	NOUN
ejge-10173	251	11	providers	provider	NOUN
ejge-10173	251	12	,	,	PUNCT
ejge-10173	251	13	which	which	PRON
ejge-10173	251	14	results	result	VERB
ejge-10173	251	15	in	in	ADP
ejge-10173	251	16	elevated	elevated	ADJ
ejge-10173	251	17	expenses	expense	NOUN
ejge-10173	251	18	,	,	PUNCT
ejge-10173	251	19	and	and	CCONJ
ejge-10173	251	20	transaction	transaction	NOUN
ejge-10173	251	21	fees	fee	NOUN
ejge-10173	251	22	for	for	ADP
ejge-10173	251	23	payment	payment	NOUN
ejge-10173	251	24	processing	processing	NOUN
ejge-10173	251	25	are	be	AUX
ejge-10173	251	26	a	a	DET
ejge-10173	251	27	significant	significant	ADJ
ejge-10173	251	28	expense	expense	NOUN
ejge-10173	251	29	.	.	PUNCT
ejge-10173	252	1	a	a	DET
ejge-10173	252	2	further	further	ADJ
ejge-10173	252	3	obstacle	obstacle	NOUN
ejge-10173	252	4	to	to	PART
ejge-10173	252	5	progress	progress	VERB
ejge-10173	252	6	is	be	AUX
ejge-10173	252	7	that	that	SCONJ
ejge-10173	252	8	online	online	ADJ
ejge-10173	252	9	sellers	seller	NOUN
ejge-10173	252	10	may	may	AUX
ejge-10173	252	11	encounter	encounter	VERB
ejge-10173	252	12	difficulties	difficulty	NOUN
ejge-10173	252	13	if	if	SCONJ
ejge-10173	252	14	,	,	PUNCT
ejge-10173	252	15	for	for	ADP
ejge-10173	252	16	instance	instance	NOUN
ejge-10173	252	17	,	,	PUNCT
ejge-10173	252	18	their	their	PRON
ejge-10173	252	19	business	business	NOUN
ejge-10173	252	20	falls	fall	VERB
ejge-10173	252	21	under	under	ADP
ejge-10173	252	22	the	the	DET
ejge-10173	252	23	category	category	NOUN
ejge-10173	252	24	of	of	ADP
ejge-10173	252	25	deposittaking	deposittake	VERB
ejge-10173	252	26	,	,	PUNCT
ejge-10173	252	27	as	as	SCONJ
ejge-10173	252	28	it	it	PRON
ejge-10173	252	29	does	do	VERB
ejge-10173	252	30	in	in	ADP
ejge-10173	252	31	albania	albania	PROPN
ejge-10173	252	32	.	.	PUNCT
ejge-10173	253	1	ultimately	ultimately	ADV
ejge-10173	253	2	,	,	PUNCT
ejge-10173	253	3	a	a	DET
ejge-10173	253	4	significant	significant	ADJ
ejge-10173	253	5	number	number	NOUN
ejge-10173	253	6	of	of	ADP
ejge-10173	253	7	customers	customer	NOUN
ejge-10173	253	8	are	be	AUX
ejge-10173	253	9	required	require	VERB
ejge-10173	253	10	to	to	PART
ejge-10173	253	11	make	make	VERB
ejge-10173	253	12	payments	payment	NOUN
ejge-10173	253	13	in	in	ADP
ejge-10173	253	14	cash	cash	NOUN
ejge-10173	253	15	upon	upon	SCONJ
ejge-10173	253	16	their	their	PRON
ejge-10173	253	17	arrival	arrival	NOUN
ejge-10173	253	18	due	due	ADP
ejge-10173	253	19	to	to	ADP
ejge-10173	253	20	a	a	DET
ejge-10173	253	21	lack	lack	NOUN
ejge-10173	253	22	of	of	ADP
ejge-10173	253	23	utilization	utilization	NOUN
ejge-10173	253	24	of	of	ADP
ejge-10173	253	25	electronic	electronic	ADJ
ejge-10173	253	26	signatures	signature	NOUN
ejge-10173	253	27	,	,	PUNCT
ejge-10173	253	28	thereby	thereby	ADV
ejge-10173	253	29	hindering	hinder	VERB
ejge-10173	253	30	the	the	DET
ejge-10173	253	31	provision	provision	NOUN
ejge-10173	253	32	of	of	ADP
ejge-10173	253	33	a	a	DET
ejge-10173	253	34	favorable	favorable	ADJ
ejge-10173	253	35	user	user	NOUN
ejge-10173	253	36	experience	experience	NOUN
ejge-10173	253	37	(	(	PUNCT
ejge-10173	253	38	odorović	odorović	NOUN
ejge-10173	253	39	et	et	PROPN
ejge-10173	253	40	al	al	PROPN
ejge-10173	253	41	.	.	PROPN
ejge-10173	253	42	,	,	PUNCT
ejge-10173	253	43	2020	2020	NUM
ejge-10173	253	44	)	)	PUNCT
ejge-10173	253	45	.	.	PUNCT
ejge-10173	254	1	electronic	electronic	ADJ
ejge-10173	254	2	transactions	transaction	NOUN
ejge-10173	254	3	in	in	ADP
ejge-10173	254	4	these	these	DET
ejge-10173	254	5	subindustries	subindustrie	NOUN
ejge-10173	254	6	reached	reach	VERB
ejge-10173	254	7	over	over	ADP
ejge-10173	254	8	70	70	NUM
ejge-10173	254	9	%	%	NOUN
ejge-10173	254	10	,	,	PUNCT
ejge-10173	254	11	spanning	span	VERB
ejge-10173	254	12	additional	additional	ADJ
ejge-10173	254	13	markets	market	NOUN
ejge-10173	254	14	like	like	ADP
ejge-10173	254	15	the	the	DET
ejge-10173	254	16	european	european	ADJ
ejge-10173	254	17	one	one	PROPN
ejge-10173	254	18	.	.	PUNCT
ejge-10173	255	1	enterprises	enterprise	NOUN
ejge-10173	255	2	come	come	VERB
ejge-10173	255	3	up	up	ADP
ejge-10173	255	4	with	with	ADP
ejge-10173	255	5	unique	unique	ADJ
ejge-10173	255	6	ways	way	NOUN
ejge-10173	255	7	to	to	PART
ejge-10173	255	8	communicate	communicate	VERB
ejge-10173	255	9	and	and	CCONJ
ejge-10173	255	10	find	find	VERB
ejge-10173	255	11	new	new	ADJ
ejge-10173	255	12	ways	way	NOUN
ejge-10173	255	13	to	to	PART
ejge-10173	255	14	improve	improve	VERB
ejge-10173	255	15	the	the	DET
ejge-10173	255	16	customer	customer	NOUN
ejge-10173	255	17	experience	experience	NOUN
ejge-10173	255	18	.	.	PUNCT
ejge-10173	256	1	https://www.autogravity.com/	https://www.autogravity.com/	NOUN
ejge-10173	256	2	218	218	NUM
ejge-10173	256	3	gentjan	gentjan	NOUN
ejge-10173	256	4	shaquiri	shaquiri	NOUN
ejge-10173	256	5	et	et	PROPN
ejge-10173	256	6	al	al	PROPN
ejge-10173	256	7	.	.	PROPN
ejge-10173	257	1	for	for	ADP
ejge-10173	257	2	example	example	NOUN
ejge-10173	257	3	,	,	PUNCT
ejge-10173	257	4	in	in	ADP
ejge-10173	257	5	the	the	DET
ejge-10173	257	6	hospitality	hospitality	NOUN
ejge-10173	257	7	industry	industry	NOUN
ejge-10173	257	8	,	,	PUNCT
ejge-10173	257	9	fintech	fintech	NOUN
ejge-10173	257	10	is	be	AUX
ejge-10173	257	11	an	an	DET
ejge-10173	257	12	efficient	efficient	ADJ
ejge-10173	257	13	way	way	NOUN
ejge-10173	257	14	to	to	PART
ejge-10173	257	15	achieve	achieve	VERB
ejge-10173	257	16	customer	customer	NOUN
ejge-10173	257	17	loyalty	loyalty	NOUN
ejge-10173	257	18	.	.	PUNCT
ejge-10173	258	1	using	use	VERB
ejge-10173	258	2	fintech	fintech	NOUN
ejge-10173	258	3	will	will	AUX
ejge-10173	258	4	help	help	VERB
ejge-10173	258	5	enterprises	enterprise	NOUN
ejge-10173	258	6	operating	operate	VERB
ejge-10173	258	7	in	in	ADP
ejge-10173	258	8	this	this	DET
ejge-10173	258	9	industry	industry	NOUN
ejge-10173	258	10	to	to	PART
ejge-10173	258	11	gain	gain	VERB
ejge-10173	258	12	and	and	CCONJ
ejge-10173	258	13	improve	improve	VERB
ejge-10173	258	14	customer	customer	NOUN
ejge-10173	258	15	loyalty	loyalty	NOUN
ejge-10173	258	16	.	.	PUNCT
ejge-10173	259	1	from	from	ADP
ejge-10173	259	2	a	a	DET
ejge-10173	259	3	sales	sale	NOUN
ejge-10173	259	4	perspective	perspective	NOUN
ejge-10173	259	5	,	,	PUNCT
ejge-10173	259	6	one	one	NUM
ejge-10173	259	7	way	way	NOUN
ejge-10173	259	8	is	be	AUX
ejge-10173	259	9	by	by	ADP
ejge-10173	259	10	implementing	implement	VERB
ejge-10173	259	11	convertible	convertible	ADJ
ejge-10173	259	12	loyalty	loyalty	NOUN
ejge-10173	259	13	points	point	NOUN
ejge-10173	259	14	as	as	ADP
ejge-10173	259	15	an	an	DET
ejge-10173	259	16	online	online	ADJ
ejge-10173	259	17	payment	payment	NOUN
ejge-10173	259	18	option	option	NOUN
ejge-10173	259	19	,	,	PUNCT
ejge-10173	259	20	this	this	PRON
ejge-10173	259	21	is	be	AUX
ejge-10173	259	22	more	more	ADV
ejge-10173	259	23	likely	likely	ADJ
ejge-10173	259	24	to	to	PART
ejge-10173	259	25	make	make	VERB
ejge-10173	259	26	customers	customer	NOUN
ejge-10173	259	27	return	return	VERB
ejge-10173	259	28	and	and	CCONJ
ejge-10173	259	29	repurchase	repurchase	VERB
ejge-10173	259	30	enterprise	enterprise	NOUN
ejge-10173	259	31	services	service	NOUN
ejge-10173	259	32	due	due	ADP
ejge-10173	259	33	to	to	ADP
ejge-10173	259	34	their	their	PRON
ejge-10173	259	35	economic	economic	ADJ
ejge-10173	259	36	benefits	benefit	NOUN
ejge-10173	259	37	.	.	PUNCT
ejge-10173	260	1	in	in	ADP
ejge-10173	260	2	the	the	DET
ejge-10173	260	3	apparel	apparel	NOUN
ejge-10173	260	4	retail	retail	ADJ
ejge-10173	260	5	e	e	PROPN
ejge-10173	260	6	-	-	PROPN
ejge-10173	260	7	commerce	commerce	NOUN
ejge-10173	260	8	payment	payment	NOUN
ejge-10173	260	9	solutions	solution	NOUN
ejge-10173	260	10	,	,	PUNCT
ejge-10173	260	11	digitized	digitize	VERB
ejge-10173	260	12	receipts	receipt	NOUN
ejge-10173	260	13	are	be	AUX
ejge-10173	260	14	provided	provide	VERB
ejge-10173	260	15	to	to	PART
ejge-10173	260	16	return	return	VERB
ejge-10173	260	17	clothing	clothing	NOUN
ejge-10173	260	18	items	item	NOUN
ejge-10173	260	19	,	,	PUNCT
ejge-10173	260	20	saving	save	VERB
ejge-10173	260	21	tons	ton	NOUN
ejge-10173	260	22	of	of	ADP
ejge-10173	260	23	paper	paper	NOUN
ejge-10173	260	24	used	use	VERB
ejge-10173	260	25	for	for	ADP
ejge-10173	260	26	physical	physical	ADJ
ejge-10173	260	27	receipts	receipt	NOUN
ejge-10173	260	28	.	.	PUNCT
ejge-10173	261	1	in	in	ADP
ejge-10173	261	2	supermarkets	supermarket	NOUN
ejge-10173	261	3	and	and	CCONJ
ejge-10173	261	4	other	other	ADJ
ejge-10173	261	5	food	food	NOUN
ejge-10173	261	6	stores	store	NOUN
ejge-10173	261	7	,	,	PUNCT
ejge-10173	261	8	innovative	innovative	ADJ
ejge-10173	261	9	point	point	NOUN
ejge-10173	261	10	-	-	PUNCT
ejge-10173	261	11	of	of	ADP
ejge-10173	261	12	-	-	PUNCT
ejge-10173	261	13	sale	sale	NOUN
ejge-10173	261	14	solutions	solution	NOUN
ejge-10173	261	15	are	be	AUX
ejge-10173	261	16	driving	drive	VERB
ejge-10173	261	17	fintech	fintech	NOUN
ejge-10173	261	18	innovation	innovation	NOUN
ejge-10173	261	19	(	(	PUNCT
ejge-10173	261	20	yue	yue	PROPN
ejge-10173	261	21	,	,	PUNCT
ejge-10173	261	22	2022	2022	NUM
ejge-10173	261	23	)	)	PUNCT
ejge-10173	261	24	.	.	PUNCT
ejge-10173	262	1	retailers	retailer	NOUN
ejge-10173	262	2	are	be	AUX
ejge-10173	262	3	responding	respond	VERB
ejge-10173	262	4	to	to	ADP
ejge-10173	262	5	customers	customer	NOUN
ejge-10173	262	6	'	'	PART
ejge-10173	262	7	demand	demand	NOUN
ejge-10173	262	8	for	for	ADP
ejge-10173	262	9	cashless	cashless	NOUN
ejge-10173	262	10	shopping	shopping	NOUN
ejge-10173	262	11	by	by	ADP
ejge-10173	262	12	partnering	partner	VERB
ejge-10173	262	13	with	with	ADP
ejge-10173	262	14	new	new	ADJ
ejge-10173	262	15	payment	payment	NOUN
ejge-10173	262	16	platforms	platform	NOUN
ejge-10173	262	17	,	,	PUNCT
ejge-10173	262	18	such	such	ADJ
ejge-10173	262	19	as	as	ADP
ejge-10173	262	20	cloud	cloud	NOUN
ejge-10173	262	21	-	-	PUNCT
ejge-10173	262	22	based	base	VERB
ejge-10173	262	23	solutions	solution	NOUN
ejge-10173	262	24	,	,	PUNCT
ejge-10173	262	25	as	as	ADV
ejge-10173	262	26	well	well	ADV
ejge-10173	262	27	as	as	ADP
ejge-10173	262	28	contactless	contactless	ADJ
ejge-10173	262	29	payment	payment	NOUN
ejge-10173	262	30	providers	provider	NOUN
ejge-10173	262	31	.	.	PUNCT
ejge-10173	263	1	while	while	SCONJ
ejge-10173	263	2	in	in	ADP
ejge-10173	263	3	enterprise	enterprise	NOUN
ejge-10173	263	4	management	management	NOUN
ejge-10173	263	5	,	,	PUNCT
ejge-10173	263	6	fintech	fintech	NOUN
ejge-10173	263	7	supports	support	VERB
ejge-10173	263	8	enterprises	enterprise	NOUN
ejge-10173	263	9	using	use	VERB
ejge-10173	263	10	blockchain	blockchain	NOUN
ejge-10173	263	11	,	,	PUNCT
ejge-10173	263	12	where	where	SCONJ
ejge-10173	263	13	brands	brand	NOUN
ejge-10173	263	14	can	can	AUX
ejge-10173	263	15	digitize	digitize	VERB
ejge-10173	263	16	,	,	PUNCT
ejge-10173	263	17	track	track	NOUN
ejge-10173	263	18	,	,	PUNCT
ejge-10173	263	19	and	and	CCONJ
ejge-10173	263	20	trace	trace	VERB
ejge-10173	263	21	the	the	DET
ejge-10173	263	22	entire	entire	ADJ
ejge-10173	263	23	lifecycle	lifecycle	NOUN
ejge-10173	263	24	of	of	ADP
ejge-10173	263	25	a	a	DET
ejge-10173	263	26	product	product	NOUN
ejge-10173	263	27	item	item	NOUN
ejge-10173	263	28	.	.	PUNCT
ejge-10173	264	1	with	with	ADP
ejge-10173	264	2	blockchain	blockchain	PROPN
ejge-10173	264	3	,	,	PUNCT
ejge-10173	264	4	enterprises	enterprise	NOUN
ejge-10173	264	5	can	can	AUX
ejge-10173	264	6	create	create	VERB
ejge-10173	264	7	an	an	DET
ejge-10173	264	8	immutable	immutable	ADJ
ejge-10173	264	9	record	record	NOUN
ejge-10173	264	10	of	of	ADP
ejge-10173	264	11	all	all	DET
ejge-10173	264	12	steps	step	NOUN
ejge-10173	264	13	in	in	ADP
ejge-10173	264	14	the	the	DET
ejge-10173	264	15	value	value	NOUN
ejge-10173	264	16	chain	chain	NOUN
ejge-10173	264	17	,	,	PUNCT
ejge-10173	264	18	capture	capture	VERB
ejge-10173	264	19	specific	specific	ADJ
ejge-10173	264	20	data	datum	NOUN
ejge-10173	264	21	points	point	NOUN
ejge-10173	264	22	,	,	PUNCT
ejge-10173	264	23	such	such	ADJ
ejge-10173	264	24	as	as	ADP
ejge-10173	264	25	sustainability	sustainability	NOUN
ejge-10173	264	26	certifications	certification	NOUN
ejge-10173	264	27	and	and	CCONJ
ejge-10173	264	28	claims	claim	NOUN
ejge-10173	264	29	,	,	PUNCT
ejge-10173	264	30	and	and	CCONJ
ejge-10173	264	31	provide	provide	VERB
ejge-10173	264	32	open	open	ADJ
ejge-10173	264	33	access	access	NOUN
ejge-10173	264	34	to	to	ADP
ejge-10173	264	35	this	this	DET
ejge-10173	264	36	data	data	NOUN
ejge-10173	264	37	publicly	publicly	ADV
ejge-10173	264	38	(	(	PUNCT
ejge-10173	264	39	truby	truby	PROPN
ejge-10173	264	40	,	,	PUNCT
ejge-10173	264	41	2022	2022	NUM
ejge-10173	264	42	)	)	PUNCT
ejge-10173	264	43	.	.	PUNCT
ejge-10173	265	1	to	to	PART
ejge-10173	265	2	implement	implement	VERB
ejge-10173	265	3	fintech	fintech	NOUN
ejge-10173	265	4	solutions	solution	NOUN
ejge-10173	265	5	,	,	PUNCT
ejge-10173	265	6	enterprises	enterprise	NOUN
ejge-10173	265	7	had	have	VERB
ejge-10173	265	8	to	to	PART
ejge-10173	265	9	overcome	overcome	VERB
ejge-10173	265	10	numerous	numerous	ADJ
ejge-10173	265	11	difficulties	difficulty	NOUN
ejge-10173	265	12	,	,	PUNCT
ejge-10173	265	13	including	include	VERB
ejge-10173	265	14	securing	secure	VERB
ejge-10173	265	15	adequate	adequate	ADJ
ejge-10173	265	16	funding	funding	NOUN
ejge-10173	265	17	for	for	ADP
ejge-10173	265	18	the	the	DET
ejge-10173	265	19	digital	digital	ADJ
ejge-10173	265	20	and	and	CCONJ
ejge-10173	265	21	physical	physical	ADJ
ejge-10173	265	22	infrastructure	infrastructure	NOUN
ejge-10173	265	23	,	,	PUNCT
ejge-10173	265	24	providing	provide	VERB
ejge-10173	265	25	continuous	continuous	ADJ
ejge-10173	265	26	training	training	NOUN
ejge-10173	265	27	of	of	ADP
ejge-10173	265	28	their	their	PRON
ejge-10173	265	29	employee	employee	NOUN
ejge-10173	265	30	,	,	PUNCT
ejge-10173	265	31	and	and	CCONJ
ejge-10173	265	32	keeping	keep	VERB
ejge-10173	265	33	track	track	NOUN
ejge-10173	265	34	and	and	CCONJ
ejge-10173	265	35	updates	update	NOUN
ejge-10173	265	36	on	on	ADP
ejge-10173	265	37	the	the	DET
ejge-10173	265	38	latest	late	ADJ
ejge-10173	265	39	fintech	fintech	NOUN
ejge-10173	265	40	developments	development	NOUN
ejge-10173	265	41	.	.	PUNCT
ejge-10173	266	1	the	the	DET
ejge-10173	266	2	major	major	ADJ
ejge-10173	266	3	challenge	challenge	NOUN
ejge-10173	266	4	was	be	AUX
ejge-10173	266	5	to	to	PART
ejge-10173	266	6	educate	educate	VERB
ejge-10173	266	7	customers	customer	NOUN
ejge-10173	266	8	on	on	ADP
ejge-10173	266	9	using	use	VERB
ejge-10173	266	10	fintech	fintech	NOUN
ejge-10173	266	11	services	service	NOUN
ejge-10173	266	12	,	,	PUNCT
ejge-10173	266	13	particularly	particularly	ADV
ejge-10173	266	14	age	age	NOUN
ejge-10173	266	15	groups	group	NOUN
ejge-10173	266	16	that	that	PRON
ejge-10173	266	17	are	be	AUX
ejge-10173	266	18	not	not	PART
ejge-10173	266	19	well	well	ADV
ejge-10173	266	20	acquainted	acquaint	VERB
ejge-10173	266	21	with	with	ADP
ejge-10173	266	22	using	use	VERB
ejge-10173	266	23	technological	technological	ADJ
ejge-10173	266	24	innovations	innovation	NOUN
ejge-10173	266	25	,	,	PUNCT
ejge-10173	266	26	including	include	VERB
ejge-10173	266	27	fintech	fintech	NOUN
ejge-10173	266	28	.	.	PUNCT
ejge-10173	267	1	multiple	multiple	ADJ
ejge-10173	267	2	benefits	benefit	NOUN
ejge-10173	267	3	arise	arise	VERB
ejge-10173	267	4	by	by	ADP
ejge-10173	267	5	embracing	embrace	VERB
ejge-10173	267	6	fintech	fintech	NOUN
ejge-10173	267	7	,	,	PUNCT
ejge-10173	267	8	including	include	VERB
ejge-10173	267	9	improved	improve	VERB
ejge-10173	267	10	customer	customer	NOUN
ejge-10173	267	11	experience	experience	NOUN
ejge-10173	267	12	,	,	PUNCT
ejge-10173	267	13	faster	fast	ADJ
ejge-10173	267	14	delivery	delivery	NOUN
ejge-10173	267	15	times	time	NOUN
ejge-10173	267	16	,	,	PUNCT
ejge-10173	267	17	easier	easy	ADJ
ejge-10173	267	18	product	product	NOUN
ejge-10173	267	19	tracking	tracking	NOUN
ejge-10173	267	20	,	,	PUNCT
ejge-10173	267	21	and	and	CCONJ
ejge-10173	267	22	paperless	paperless	ADJ
ejge-10173	267	23	financial	financial	ADJ
ejge-10173	267	24	management	management	NOUN
ejge-10173	267	25	(	(	PUNCT
ejge-10173	267	26	nugraha	nugraha	NOUN
ejge-10173	267	27	et	et	PROPN
ejge-10173	267	28	al	al	PROPN
ejge-10173	267	29	.	.	PROPN
ejge-10173	267	30	,	,	PUNCT
ejge-10173	267	31	2022	2022	NUM
ejge-10173	267	32	)	)	PUNCT
ejge-10173	267	33	.	.	PUNCT
ejge-10173	268	1	table	table	NOUN
ejge-10173	268	2	7	7	NUM
ejge-10173	268	3	.	.	PUNCT
ejge-10173	269	1	benchmarking	benchmarke	VERB
ejge-10173	269	2	results	result	NOUN
ejge-10173	269	3	for	for	ADP
ejge-10173	269	4	enterprises	enterprise	NOUN
ejge-10173	269	5	using	use	VERB
ejge-10173	269	6	fintech	fintech	NOUN
ejge-10173	269	7	applications	application	NOUN
ejge-10173	269	8	and	and	CCONJ
ejge-10173	269	9	operating	operate	VERB
ejge-10173	269	10	in	in	ADP
ejge-10173	269	11	the	the	DET
ejge-10173	269	12	western	western	ADJ
ejge-10173	269	13	balkan	balkan	ADJ
ejge-10173	269	14	region	region	NOUN
ejge-10173	269	15	.	.	PUNCT
ejge-10173	270	1	no	no	INTJ
ejge-10173	270	2	.	.	PUNCT
ejge-10173	271	1	industry	industry	NOUN
ejge-10173	271	2	subindustry	subindustry	ADJ
ejge-10173	271	3	low	low	ADJ
ejge-10173	271	4	potential	potential	NOUN
ejge-10173	271	5	for	for	ADP
ejge-10173	271	6	regional	regional	ADJ
ejge-10173	271	7	value	value	NOUN
ejge-10173	271	8	chain	chain	NOUN
ejge-10173	271	9	(	(	PUNCT
ejge-10173	271	10	%	%	INTJ
ejge-10173	271	11	)	)	PUNCT
ejge-10173	271	12	middle	middle	ADJ
ejge-10173	271	13	potential	potential	NOUN
ejge-10173	271	14	for	for	ADP
ejge-10173	271	15	regional	regional	ADJ
ejge-10173	271	16	value	value	NOUN
ejge-10173	271	17	chain	chain	NOUN
ejge-10173	271	18	(	(	PUNCT
ejge-10173	271	19	%	%	INTJ
ejge-10173	271	20	)	)	PUNCT
ejge-10173	271	21	high	high	ADJ
ejge-10173	271	22	potential	potential	NOUN
ejge-10173	271	23	for	for	ADP
ejge-10173	271	24	regional	regional	ADJ
ejge-10173	271	25	value	value	NOUN
ejge-10173	271	26	chain	chain	NOUN
ejge-10173	271	27	(	(	PUNCT
ejge-10173	271	28	%	%	INTJ
ejge-10173	271	29	)	)	PUNCT
ejge-10173	271	30	1	1	X
ejge-10173	271	31	.	.	PUNCT
ejge-10173	271	32	consumer	consumer	NOUN
ejge-10173	271	33	discretionary	discretionary	ADJ
ejge-10173	271	34	distribution	distribution	NOUN
ejge-10173	271	35	&	&	CCONJ
ejge-10173	271	36	retail	retail	ADJ
ejge-10173	271	37	automotive	automotive	ADJ
ejge-10173	271	38	retail	retail	NOUN
ejge-10173	271	39	52	52	NUM
ejge-10173	271	40	%	%	NOUN
ejge-10173	271	41	37	37	NUM
ejge-10173	271	42	%	%	NOUN
ejge-10173	271	43	11	11	NUM
ejge-10173	271	44	%	%	NOUN
ejge-10173	271	45	apparel	apparel	NOUN
ejge-10173	271	46	retail	retail	NOUN
ejge-10173	271	47	29	29	NUM
ejge-10173	271	48	%	%	NOUN
ejge-10173	271	49	33	33	NUM
ejge-10173	271	50	%	%	NOUN
ejge-10173	271	51	38	38	NUM
ejge-10173	271	52	%	%	NOUN
ejge-10173	271	53	computer	computer	NOUN
ejge-10173	271	54	&	&	CCONJ
ejge-10173	271	55	electronics	electronics	PROPN
ejge-10173	271	56	retail	retail	ADJ
ejge-10173	271	57	28	28	NUM
ejge-10173	271	58	%	%	NOUN
ejge-10173	271	59	58	58	NUM
ejge-10173	271	60	%	%	NOUN
ejge-10173	271	61	14	14	NUM
ejge-10173	271	62	%	%	NOUN
ejge-10173	271	63	home	home	NOUN
ejge-10173	271	64	improvement	improvement	NOUN
ejge-10173	271	65	retail	retail	NOUN
ejge-10173	271	66	58	58	NUM
ejge-10173	271	67	%	%	NOUN
ejge-10173	271	68	29	29	NUM
ejge-10173	271	69	%	%	NOUN
ejge-10173	271	70	13	13	NUM
ejge-10173	271	71	%	%	NOUN
ejge-10173	271	72	home	home	NOUN
ejge-10173	271	73	furnishing	furnish	VERB
ejge-10173	271	74	retail	retail	ADJ
ejge-10173	271	75	54	54	NUM
ejge-10173	271	76	%	%	NOUN
ejge-10173	271	77	28	28	NUM
ejge-10173	271	78	%	%	NOUN
ejge-10173	271	79	16	16	NUM
ejge-10173	271	80	%	%	NOUN
ejge-10173	271	81	food	food	NOUN
ejge-10173	271	82	distributors	distributor	NOUN
ejge-10173	271	83	25	25	NUM
ejge-10173	271	84	%	%	NOUN
ejge-10173	271	85	43	43	NUM
ejge-10173	271	86	%	%	NOUN
ejge-10173	271	87	32	32	NUM
ejge-10173	271	88	%	%	NOUN
ejge-10173	271	89	food	food	NOUN
ejge-10173	271	90	retail	retail	NOUN
ejge-10173	271	91	29	29	NUM
ejge-10173	271	92	%	%	NOUN
ejge-10173	271	93	35	35	NUM
ejge-10173	271	94	%	%	NOUN
ejge-10173	271	95	36	36	NUM
ejge-10173	271	96	%	%	NOUN
ejge-10173	271	97	2	2	NUM
ejge-10173	271	98	.	.	PUNCT
ejge-10173	271	99	customer	customer	NOUN
ejge-10173	271	100	services	service	NOUN
ejge-10173	271	101	hotels	hotel	NOUN
ejge-10173	271	102	,	,	PUNCT
ejge-10173	271	103	resorts	resort	NOUN
ejge-10173	271	104	&	&	CCONJ
ejge-10173	271	105	cruise	cruise	PROPN
ejge-10173	271	106	lines	line	NOUN
ejge-10173	271	107	27	27	NUM
ejge-10173	271	108	%	%	NOUN
ejge-10173	271	109	31	31	NUM
ejge-10173	271	110	%	%	NOUN
ejge-10173	271	111	42	42	NUM
ejge-10173	271	112	%	%	NOUN
ejge-10173	271	113	leisure	leisure	NOUN
ejge-10173	271	114	facilities	facility	NOUN
ejge-10173	271	115	37	37	NUM
ejge-10173	271	116	%	%	NOUN
ejge-10173	271	117	49	49	NUM
ejge-10173	271	118	%	%	NOUN
ejge-10173	271	119	14	14	NUM
ejge-10173	271	120	%	%	NOUN
ejge-10173	271	121	restaurants	restaurant	NOUN
ejge-10173	271	122	53	53	NUM
ejge-10173	271	123	%	%	NOUN
ejge-10173	271	124	38	38	NUM
ejge-10173	271	125	%	%	NOUN
ejge-10173	271	126	9	9	NUM
ejge-10173	271	127	%	%	NOUN
ejge-10173	271	128	education	education	NOUN
ejge-10173	271	129	services	service	NOUN
ejge-10173	271	130	31	31	NUM
ejge-10173	271	131	%	%	NOUN
ejge-10173	271	132	43	43	NUM
ejge-10173	271	133	%	%	NOUN
ejge-10173	271	134	26	26	NUM
ejge-10173	271	135	%	%	NOUN
ejge-10173	271	136	source	source	NOUN
ejge-10173	271	137	:	:	PUNCT
ejge-10173	271	138	prepared	prepare	VERB
ejge-10173	271	139	by	by	ADP
ejge-10173	271	140	authors	author	NOUN
ejge-10173	271	141	unlocking	unlock	VERB
ejge-10173	271	142	regional	regional	ADJ
ejge-10173	271	143	value	value	NOUN
ejge-10173	271	144	chains	chain	NOUN
ejge-10173	271	145	these	these	DET
ejge-10173	271	146	enterprises	enterprise	NOUN
ejge-10173	271	147	succeeded	succeed	VERB
ejge-10173	271	148	in	in	ADP
ejge-10173	271	149	using	use	VERB
ejge-10173	271	150	fintech	fintech	NOUN
ejge-10173	271	151	solutions	solution	NOUN
ejge-10173	271	152	to	to	PART
ejge-10173	271	153	manage	manage	VERB
ejge-10173	271	154	their	their	PRON
ejge-10173	271	155	supply	supply	NOUN
ejge-10173	271	156	chain	chain	NOUN
ejge-10173	271	157	entirely	entirely	ADV
ejge-10173	271	158	online	online	ADV
ejge-10173	271	159	,	,	PUNCT
ejge-10173	271	160	including	include	VERB
ejge-10173	271	161	online	online	ADJ
ejge-10173	271	162	monitoring	monitoring	NOUN
ejge-10173	271	163	of	of	ADP
ejge-10173	271	164	inventory	inventory	NOUN
ejge-10173	271	165	with	with	ADP
ejge-10173	271	166	order	order	NOUN
ejge-10173	271	167	tracking	tracking	NOUN
ejge-10173	271	168	applications	application	NOUN
ejge-10173	271	169	,	,	PUNCT
ejge-10173	271	170	online	online	ADJ
ejge-10173	271	171	payments	payment	NOUN
ejge-10173	271	172	,	,	PUNCT
ejge-10173	271	173	and	and	CCONJ
ejge-10173	271	174	electronic	electronic	ADJ
ejge-10173	271	175	invoicing	invoicing	NOUN
ejge-10173	271	176	for	for	ADP
ejge-10173	271	177	suppliers	supplier	NOUN
ejge-10173	271	178	and	and	CCONJ
ejge-10173	271	179	customers	customer	NOUN
ejge-10173	271	180	,	,	PUNCT
ejge-10173	271	181	reducing	reduce	VERB
ejge-10173	271	182	by	by	ADP
ejge-10173	271	183	at	at	ADV
ejge-10173	271	184	least	least	ADV
ejge-10173	271	185	three	three	NUM
ejge-10173	271	186	days	day	NOUN
ejge-10173	271	187	the	the	DET
ejge-10173	271	188	time	time	NOUN
ejge-10173	271	189	of	of	ADP
ejge-10173	271	190	receivables	receivables	NOUN
ejge-10173	271	191	and	and	CCONJ
ejge-10173	271	192	payables	payable	NOUN
ejge-10173	271	193	.	.	PUNCT
ejge-10173	272	1	these	these	DET
ejge-10173	272	2	subindustries	subindustrie	NOUN
ejge-10173	272	3	are	be	AUX
ejge-10173	272	4	also	also	ADV
ejge-10173	272	5	characterized	characterize	VERB
ejge-10173	272	6	by	by	ADP
ejge-10173	272	7	a	a	DET
ejge-10173	272	8	high	high	ADJ
ejge-10173	272	9	asset	asset	NOUN
ejge-10173	272	10	turnover	turnover	NOUN
ejge-10173	272	11	from	from	ADP
ejge-10173	272	12	fintech	fintech	NOUN
ejge-10173	272	13	applications	application	NOUN
ejge-10173	272	14	with	with	ADP
ejge-10173	272	15	a	a	DET
ejge-10173	272	16	ratio	ratio	NOUN
ejge-10173	272	17	of	of	ADP
ejge-10173	272	18	over	over	ADP
ejge-10173	272	19	3	3	NUM
ejge-10173	272	20	,	,	PUNCT
ejge-10173	272	21	a	a	DET
ejge-10173	272	22	high	high	ADJ
ejge-10173	272	23	investment	investment	NOUN
ejge-10173	272	24	turnover	turnover	NOUN
ejge-10173	272	25	with	with	ADP
ejge-10173	272	26	values	value	NOUN
ejge-10173	272	27	over	over	ADP
ejge-10173	272	28	2	2	NUM
ejge-10173	272	29	,	,	PUNCT
ejge-10173	272	30	and	and	CCONJ
ejge-10173	272	31	a	a	DET
ejge-10173	272	32	customer	customer	NOUN
ejge-10173	272	33	lifetime	lifetime	NOUN
ejge-10173	272	34	value	value	NOUN
ejge-10173	272	35	exceeding	exceed	VERB
ejge-10173	272	36	5,000	5,000	NUM
ejge-10173	272	37	euros	euro	NOUN
ejge-10173	272	38	.	.	PUNCT
ejge-10173	273	1	most	most	ADJ
ejge-10173	273	2	of	of	ADP
ejge-10173	273	3	the	the	DET
ejge-10173	273	4	enterprises	enterprise	NOUN
ejge-10173	273	5	in	in	ADP
ejge-10173	273	6	these	these	DET
ejge-10173	273	7	subindustries	subindustrie	NOUN
ejge-10173	273	8	have	have	AUX
ejge-10173	273	9	already	already	ADV
ejge-10173	273	10	established	establish	VERB
ejge-10173	273	11	product	product	NOUN
ejge-10173	273	12	and	and	CCONJ
ejge-10173	273	13	service	service	NOUN
ejge-10173	273	14	delivery	delivery	NOUN
ejge-10173	273	15	by	by	ADP
ejge-10173	273	16	opening	open	VERB
ejge-10173	273	17	branches	branch	NOUN
ejge-10173	273	18	or	or	CCONJ
ejge-10173	273	19	by	by	ADP
ejge-10173	273	20	establishing	establish	VERB
ejge-10173	273	21	partnerships	partnership	NOUN
ejge-10173	273	22	with	with	ADP
ejge-10173	273	23	similar	similar	ADJ
ejge-10173	273	24	service	service	NOUN
ejge-10173	273	25	and	and	CCONJ
ejge-10173	273	26	product	product	NOUN
ejge-10173	273	27	providers	provider	NOUN
ejge-10173	273	28	in	in	ADP
ejge-10173	273	29	regional	regional	ADJ
ejge-10173	273	30	countries	country	NOUN
ejge-10173	273	31	.	.	PUNCT
ejge-10173	274	1	to	to	PART
ejge-10173	274	2	continue	continue	VERB
ejge-10173	274	3	,	,	PUNCT
ejge-10173	274	4	enterprises	enterprise	NOUN
ejge-10173	274	5	with	with	ADP
ejge-10173	274	6	middle	middle	ADJ
ejge-10173	274	7	potential	potential	NOUN
ejge-10173	274	8	for	for	ADP
ejge-10173	274	9	establishing	establish	VERB
ejge-10173	274	10	regional	regional	ADJ
ejge-10173	274	11	value	value	NOUN
ejge-10173	274	12	chains	chain	NOUN
ejge-10173	274	13	through	through	ADP
ejge-10173	274	14	the	the	DET
ejge-10173	274	15	implementation	implementation	NOUN
ejge-10173	274	16	of	of	ADP
ejge-10173	274	17	fintech	fintech	NOUN
ejge-10173	274	18	solutions	solution	NOUN
ejge-10173	274	19	are	be	AUX
ejge-10173	274	20	the	the	DET
ejge-10173	274	21	majority	majority	NOUN
ejge-10173	274	22	in	in	ADP
ejge-10173	274	23	the	the	DET
ejge-10173	274	24	sample	sample	NOUN
ejge-10173	274	25	size	size	NOUN
ejge-10173	274	26	.	.	PUNCT
ejge-10173	275	1	enterprises	enterprise	NOUN
ejge-10173	275	2	within	within	ADP
ejge-10173	275	3	this	this	DET
ejge-10173	275	4	category	category	NOUN
ejge-10173	275	5	are	be	AUX
ejge-10173	275	6	providers	provider	NOUN
ejge-10173	275	7	of	of	ADP
ejge-10173	275	8	both	both	DET
ejge-10173	275	9	goods	good	NOUN
ejge-10173	275	10	and	and	CCONJ
ejge-10173	275	11	services	service	NOUN
ejge-10173	275	12	.	.	PUNCT
ejge-10173	276	1	they	they	PRON
ejge-10173	276	2	have	have	AUX
ejge-10173	276	3	taken	take	VERB
ejge-10173	276	4	several	several	ADJ
ejge-10173	276	5	steps	step	NOUN
ejge-10173	276	6	in	in	ADP
ejge-10173	276	7	incorporating	incorporate	VERB
ejge-10173	276	8	fintech	fintech	NOUN
ejge-10173	276	9	solutions	solution	NOUN
ejge-10173	276	10	into	into	ADP
ejge-10173	276	11	their	their	PRON
ejge-10173	276	12	operations	operation	NOUN
ejge-10173	276	13	;	;	PUNCT
ejge-10173	276	14	however	however	ADV
ejge-10173	276	15	,	,	PUNCT
ejge-10173	276	16	this	this	PRON
ejge-10173	276	17	is	be	AUX
ejge-10173	276	18	most	most	ADV
ejge-10173	276	19	dominant	dominant	ADJ
ejge-10173	276	20	in	in	ADP
ejge-10173	276	21	their	their	PRON
ejge-10173	276	22	interaction	interaction	NOUN
ejge-10173	276	23	with	with	ADP
ejge-10173	276	24	suppliers	supplier	NOUN
ejge-10173	276	25	rather	rather	ADV
ejge-10173	276	26	than	than	ADP
ejge-10173	276	27	with	with	ADP
ejge-10173	276	28	customers	customer	NOUN
ejge-10173	276	29	.	.	PUNCT
ejge-10173	277	1	as	as	ADP
ejge-10173	277	2	such	such	ADJ
ejge-10173	277	3	,	,	PUNCT
ejge-10173	277	4	these	these	DET
ejge-10173	277	5	enterprises	enterprise	NOUN
ejge-10173	277	6	have	have	VERB
ejge-10173	277	7	an	an	DET
ejge-10173	277	8	average	average	NOUN
ejge-10173	277	9	of	of	ADP
ejge-10173	277	10	six	six	NUM
ejge-10173	277	11	days	day	NOUN
ejge-10173	277	12	of	of	ADP
ejge-10173	277	13	accounts	account	NOUN
ejge-10173	277	14	payable	payable	ADJ
ejge-10173	277	15	,	,	PUNCT
ejge-10173	277	16	with	with	ADP
ejge-10173	277	17	online	online	ADJ
ejge-10173	277	18	payments	payment	NOUN
ejge-10173	277	19	to	to	ADP
ejge-10173	277	20	suppliers	supplier	NOUN
ejge-10173	277	21	reaching	reach	VERB
ejge-10173	277	22	almost	almost	ADV
ejge-10173	277	23	60	60	NUM
ejge-10173	277	24	%	%	NOUN
ejge-10173	277	25	.	.	PUNCT
ejge-10173	278	1	in	in	ADP
ejge-10173	278	2	these	these	DET
ejge-10173	278	3	enterprises	enterprise	NOUN
ejge-10173	278	4	,	,	PUNCT
ejge-10173	278	5	fintech	fintech	NOUN
ejge-10173	278	6	solutions	solution	NOUN
ejge-10173	278	7	are	be	AUX
ejge-10173	278	8	made	make	VERB
ejge-10173	278	9	mostly	mostly	ADV
ejge-10173	278	10	as	as	ADP
ejge-10173	278	11	a	a	DET
ejge-10173	278	12	necessity	necessity	NOUN
ejge-10173	278	13	to	to	PART
ejge-10173	278	14	interact	interact	VERB
ejge-10173	278	15	with	with	ADP
ejge-10173	278	16	international	international	ADJ
ejge-10173	278	17	suppliers	supplier	NOUN
ejge-10173	278	18	rather	rather	ADV
ejge-10173	278	19	than	than	ADP
ejge-10173	278	20	a	a	DET
ejge-10173	278	21	decision	decision	NOUN
ejge-10173	278	22	made	make	VERB
ejge-10173	278	23	by	by	ADP
ejge-10173	278	24	the	the	DET
ejge-10173	278	25	management	management	NOUN
ejge-10173	278	26	to	to	PART
ejge-10173	278	27	generate	generate	VERB
ejge-10173	278	28	a	a	DET
ejge-10173	278	29	forward	forward	ADV
ejge-10173	278	30	-	-	PUNCT
ejge-10173	278	31	looking	look	VERB
ejge-10173	278	32	initiative	initiative	NOUN
ejge-10173	278	33	for	for	ADP
ejge-10173	278	34	further	further	ADJ
ejge-10173	278	35	integration	integration	NOUN
ejge-10173	278	36	into	into	ADP
ejge-10173	278	37	the	the	DET
ejge-10173	278	38	regional	regional	ADJ
ejge-10173	278	39	market	market	NOUN
ejge-10173	278	40	.	.	PUNCT
ejge-10173	279	1	their	their	PRON
ejge-10173	279	2	reluctance	reluctance	NOUN
ejge-10173	279	3	is	be	AUX
ejge-10173	279	4	observed	observe	VERB
ejge-10173	279	5	mostly	mostly	ADV
ejge-10173	279	6	toward	toward	ADP
ejge-10173	279	7	customers	customer	NOUN
ejge-10173	279	8	with	with	ADP
ejge-10173	279	9	minor	minor	ADJ
ejge-10173	279	10	transactions	transaction	NOUN
ejge-10173	279	11	occurring	occur	VERB
ejge-10173	279	12	through	through	ADP
ejge-10173	279	13	fintech	fintech	NOUN
ejge-10173	279	14	applications	application	NOUN
ejge-10173	279	15	.	.	PUNCT
ejge-10173	280	1	in	in	ADP
ejge-10173	280	2	the	the	DET
ejge-10173	280	3	interviews	interview	NOUN
ejge-10173	280	4	with	with	ADP
ejge-10173	280	5	the	the	DET
ejge-10173	280	6	focus	focus	NOUN
ejge-10173	280	7	group	group	NOUN
ejge-10173	280	8	,	,	PUNCT
ejge-10173	280	9	several	several	ADJ
ejge-10173	280	10	obstacles	obstacle	NOUN
ejge-10173	280	11	were	be	AUX
ejge-10173	280	12	identified	identify	VERB
ejge-10173	280	13	in	in	ADP
ejge-10173	280	14	the	the	DET
ejge-10173	280	15	application	application	NOUN
ejge-10173	280	16	of	of	ADP
ejge-10173	280	17	fintech	fintech	NOUN
ejge-10173	280	18	solutions	solution	NOUN
ejge-10173	280	19	.	.	PUNCT
ejge-10173	281	1	data	datum	NOUN
ejge-10173	281	2	security	security	NOUN
ejge-10173	281	3	has	have	AUX
ejge-10173	281	4	emerged	emerge	VERB
ejge-10173	281	5	as	as	ADP
ejge-10173	281	6	a	a	DET
ejge-10173	281	7	priority	priority	NOUN
ejge-10173	281	8	issue	issue	NOUN
ejge-10173	281	9	in	in	ADP
ejge-10173	281	10	the	the	DET
ejge-10173	281	11	digital	digital	ADJ
ejge-10173	281	12	community	community	NOUN
ejge-10173	281	13	,	,	PUNCT
ejge-10173	281	14	whether	whether	SCONJ
ejge-10173	281	15	it	it	PRON
ejge-10173	281	16	's	be	AUX
ejge-10173	281	17	mobile	mobile	ADJ
ejge-10173	281	18	banking	banking	NOUN
ejge-10173	281	19	or	or	CCONJ
ejge-10173	281	20	payment	payment	NOUN
ejge-10173	281	21	applications	application	NOUN
ejge-10173	281	22	.	.	PUNCT
ejge-10173	282	1	traditional	traditional	ADJ
ejge-10173	282	2	financial	financial	ADJ
ejge-10173	282	3	institutions	institution	NOUN
ejge-10173	282	4	like	like	ADP
ejge-10173	282	5	banks	bank	NOUN
ejge-10173	282	6	believe	believe	VERB
ejge-10173	282	7	they	they	PRON
ejge-10173	282	8	're	be	AUX
ejge-10173	282	9	capable	capable	ADJ
ejge-10173	282	10	of	of	ADP
ejge-10173	282	11	safeguarding	safeguard	VERB
ejge-10173	282	12	client	client	NOUN
ejge-10173	282	13	data	datum	NOUN
ejge-10173	282	14	.	.	PUNCT
ejge-10173	283	1	but	but	CCONJ
ejge-10173	283	2	things	thing	NOUN
ejge-10173	283	3	are	be	AUX
ejge-10173	283	4	not	not	PART
ejge-10173	283	5	as	as	ADV
ejge-10173	283	6	easy	easy	ADJ
ejge-10173	283	7	as	as	SCONJ
ejge-10173	283	8	we	we	PRON
ejge-10173	283	9	might	might	AUX
ejge-10173	283	10	think	think	VERB
ejge-10173	283	11	when	when	SCONJ
ejge-10173	283	12	it	it	PRON
ejge-10173	283	13	comes	come	VERB
ejge-10173	283	14	to	to	ADP
ejge-10173	283	15	digital	digital	ADJ
ejge-10173	283	16	security	security	NOUN
ejge-10173	283	17	.	.	PUNCT
ejge-10173	284	1	credit	credit	NOUN
ejge-10173	284	2	card	card	NOUN
ejge-10173	284	3	and	and	CCONJ
ejge-10173	284	4	bank	bank	NOUN
ejge-10173	284	5	account	account	NOUN
ejge-10173	284	6	numbers	number	NOUN
ejge-10173	284	7	,	,	PUNCT
ejge-10173	284	8	addresses	address	NOUN
ejge-10173	284	9	,	,	PUNCT
ejge-10173	284	10	and	and	CCONJ
ejge-10173	284	11	responses	response	NOUN
ejge-10173	284	12	to	to	ADP
ejge-10173	284	13	security	security	NOUN
ejge-10173	284	14	inquiries	inquiry	NOUN
ejge-10173	284	15	are	be	AUX
ejge-10173	284	16	some	some	PRON
ejge-10173	284	17	of	of	ADP
ejge-10173	284	18	the	the	DET
ejge-10173	284	19	personal	personal	ADJ
ejge-10173	284	20	and	and	CCONJ
ejge-10173	284	21	financial	financial	ADJ
ejge-10173	284	22	information	information	NOUN
ejge-10173	284	23	that	that	SCONJ
ejge-10173	284	24	fintech	fintech	NOUN
ejge-10173	284	25	applications	application	NOUN
ejge-10173	284	26	possess	possess	VERB
ejge-10173	284	27	.	.	PUNCT
ejge-10173	285	1	as	as	ADP
ejge-10173	285	2	such	such	ADJ
ejge-10173	285	3	,	,	PUNCT
ejge-10173	285	4	data	datum	NOUN
ejge-10173	285	5	breaching	breach	VERB
ejge-10173	285	6	is	be	AUX
ejge-10173	285	7	a	a	DET
ejge-10173	285	8	major	major	ADJ
ejge-10173	285	9	risk	risk	NOUN
ejge-10173	285	10	and	and	CCONJ
ejge-10173	285	11	highly	highly	ADV
ejge-10173	285	12	damaging	damaging	ADJ
ejge-10173	285	13	to	to	ADP
ejge-10173	285	14	users	user	NOUN
ejge-10173	285	15	(	(	PUNCT
ejge-10173	285	16	ishamuddin	ishamuddin	VERB
ejge-10173	285	17	et	et	PROPN
ejge-10173	285	18	al	al	PROPN
ejge-10173	285	19	.	.	PROPN
ejge-10173	285	20	,	,	PUNCT
ejge-10173	285	21	2023	2023	NUM
ejge-10173	285	22	)	)	PUNCT
ejge-10173	285	23	.	.	PUNCT
ejge-10173	286	1	this	this	PRON
ejge-10173	286	2	makes	make	VERB
ejge-10173	286	3	security	security	NOUN
ejge-10173	286	4	a	a	DET
ejge-10173	286	5	top	top	ADJ
ejge-10173	286	6	priority	priority	NOUN
ejge-10173	286	7	for	for	ADP
ejge-10173	286	8	fintech	fintech	NOUN
ejge-10173	286	9	enterprises	enterprise	NOUN
ejge-10173	286	10	and	and	CCONJ
ejge-10173	286	11	users	user	NOUN
ejge-10173	286	12	of	of	ADP
ejge-10173	286	13	fintech	fintech	NOUN
ejge-10173	286	14	solutions	solution	NOUN
ejge-10173	286	15	.	.	PUNCT
ejge-10173	287	1	cybersecurity	cybersecurity	NOUN
ejge-10173	287	2	services	service	NOUN
ejge-10173	287	3	like	like	ADP
ejge-10173	287	4	pen	pen	NOUN
ejge-10173	287	5	testing	testing	NOUN
ejge-10173	287	6	can	can	AUX
ejge-10173	287	7	help	help	VERB
ejge-10173	287	8	reduce	reduce	VERB
ejge-10173	287	9	the	the	DET
ejge-10173	287	10	risk	risk	NOUN
ejge-10173	287	11	in	in	ADP
ejge-10173	287	12	the	the	DET
ejge-10173	287	13	digital	digital	ADJ
ejge-10173	287	14	environment	environment	NOUN
ejge-10173	287	15	.	.	PUNCT
ejge-10173	288	1	for	for	ADP
ejge-10173	288	2	instance	instance	NOUN
ejge-10173	288	3	,	,	PUNCT
ejge-10173	288	4	enterprises	enterprise	NOUN
ejge-10173	288	5	are	be	AUX
ejge-10173	288	6	using	use	VERB
ejge-10173	288	7	intrusion	intrusion	NOUN
ejge-10173	288	8	detection	detection	NOUN
ejge-10173	288	9	systems	system	NOUN
ejge-10173	288	10	to	to	PART
ejge-10173	288	11	test	test	VERB
ejge-10173	288	12	the	the	DET
ejge-10173	288	13	degree	degree	NOUN
ejge-10173	288	14	of	of	ADP
ejge-10173	288	15	data	datum	NOUN
ejge-10173	288	16	security	security	NOUN
ejge-10173	288	17	.	.	PUNCT
ejge-10173	289	1	given	give	VERB
ejge-10173	289	2	the	the	DET
ejge-10173	289	3	increased	increase	VERB
ejge-10173	289	4	threats	threat	NOUN
ejge-10173	289	5	,	,	PUNCT
ejge-10173	289	6	it	it	PRON
ejge-10173	289	7	is	be	AUX
ejge-10173	289	8	imperative	imperative	ADJ
ejge-10173	289	9	to	to	PART
ejge-10173	289	10	contemplate	contemplate	VERB
ejge-10173	289	11	a	a	DET
ejge-10173	289	12	cybersecurity	cybersecurity	NOUN
ejge-10173	289	13	strategy	strategy	NOUN
ejge-10173	289	14	to	to	PART
ejge-10173	289	15	safeguard	safeguard	VERB
ejge-10173	289	16	fintech	fintech	NOUN
ejge-10173	289	17	operations	operation	NOUN
ejge-10173	289	18	within	within	ADP
ejge-10173	289	19	an	an	DET
ejge-10173	289	20	enterprise	enterprise	NOUN
ejge-10173	289	21	.	.	PUNCT
ejge-10173	290	1	although	although	SCONJ
ejge-10173	290	2	these	these	DET
ejge-10173	290	3	strategies	strategy	NOUN
ejge-10173	290	4	might	might	AUX
ejge-10173	290	5	be	be	AUX
ejge-10173	290	6	costly	costly	ADJ
ejge-10173	290	7	and	and	CCONJ
ejge-10173	290	8	require	require	VERB
ejge-10173	290	9	experienced	experienced	ADJ
ejge-10173	290	10	professionals	professional	NOUN
ejge-10173	290	11	,	,	PUNCT
ejge-10173	290	12	enterprises	enterprise	NOUN
ejge-10173	290	13	within	within	ADP
ejge-10173	290	14	the	the	DET
ejge-10173	290	15	western	western	ADJ
ejge-10173	290	16	balkan	balkan	NOUN
ejge-10173	290	17	at	at	ADP
ejge-10173	290	18	early	early	ADJ
ejge-10173	290	19	stages	stage	NOUN
ejge-10173	290	20	may	may	AUX
ejge-10173	290	21	opt	opt	VERB
ejge-10173	290	22	to	to	PART
ejge-10173	290	23	become	become	VERB
ejge-10173	290	24	users	user	NOUN
ejge-10173	290	25	rather	rather	ADV
ejge-10173	290	26	than	than	ADP
ejge-10173	290	27	providers	provider	NOUN
ejge-10173	290	28	of	of	ADP
ejge-10173	290	29	fintech	fintech	NOUN
ejge-10173	290	30	applications	application	NOUN
ejge-10173	290	31	that	that	PRON
ejge-10173	290	32	have	have	VERB
ejge-10173	290	33	a	a	DET
ejge-10173	290	34	two	two	NUM
ejge-10173	290	35	-	-	PUNCT
ejge-10173	290	36	factor	factor	NOUN
ejge-10173	290	37	authorization	authorization	NOUN
ejge-10173	290	38	,	,	PUNCT
ejge-10173	290	39	biometric	biometric	ADJ
ejge-10173	290	40	authentication	authentication	NOUN
ejge-10173	290	41	,	,	PUNCT
ejge-10173	290	42	data	data	NOUN
ejge-10173	290	43	encryption	encryption	NOUN
ejge-10173	290	44	,	,	PUNCT
ejge-10173	290	45	and	and	CCONJ
ejge-10173	290	46	real	real	ADJ
ejge-10173	290	47	-	-	PUNCT
ejge-10173	290	48	time	time	NOUN
ejge-10173	290	49	alerts	alert	NOUN
ejge-10173	290	50	and	and	CCONJ
ejge-10173	290	51	notifications	notification	NOUN
ejge-10173	290	52	.	.	PUNCT
ejge-10173	291	1	such	such	ADJ
ejge-10173	291	2	fintech	fintech	NOUN
ejge-10173	291	3	applications	application	NOUN
ejge-10173	291	4	are	be	AUX
ejge-10173	291	5	widely	widely	ADV
ejge-10173	291	6	spread	spread	VERB
ejge-10173	291	7	across	across	ADP
ejge-10173	291	8	different	different	ADJ
ejge-10173	291	9	segments	segment	NOUN
ejge-10173	291	10	of	of	ADP
ejge-10173	291	11	gvcs	gvcs	NOUN
ejge-10173	291	12	,	,	PUNCT
ejge-10173	291	13	facilitating	facilitate	VERB
ejge-10173	291	14	both	both	CCONJ
ejge-10173	291	15	integration	integration	NOUN
ejge-10173	291	16	and	and	CCONJ
ejge-10173	291	17	upgrading	upgrading	NOUN
ejge-10173	291	18	of	of	ADP
ejge-10173	291	19	regional	regional	ADJ
ejge-10173	291	20	value	value	NOUN
ejge-10173	291	21	chains	chain	NOUN
ejge-10173	291	22	into	into	ADP
ejge-10173	291	23	gvcs	gvcs	NOUN
ejge-10173	291	24	(	(	PUNCT
ejge-10173	291	25	truby	truby	PROPN
ejge-10173	291	26	et	et	PROPN
ejge-10173	291	27	al	al	PROPN
ejge-10173	291	28	.	.	PROPN
ejge-10173	291	29	,	,	PUNCT
ejge-10173	291	30	2022	2022	NUM
ejge-10173	291	31	)	)	PUNCT
ejge-10173	291	32	.	.	PUNCT
ejge-10173	292	1	overall	overall	ADV
ejge-10173	292	2	,	,	PUNCT
ejge-10173	292	3	enterprises	enterprise	NOUN
ejge-10173	292	4	operate	operate	VERB
ejge-10173	292	5	in	in	ADP
ejge-10173	292	6	a	a	DET
ejge-10173	292	7	regional	regional	ADJ
ejge-10173	292	8	environment	environment	NOUN
ejge-10173	292	9	with	with	ADP
ejge-10173	292	10	relatively	relatively	ADV
ejge-10173	292	11	tight	tight	ADJ
ejge-10173	292	12	ties	tie	NOUN
ejge-10173	292	13	with	with	ADP
ejge-10173	292	14	each	each	DET
ejge-10173	292	15	other	other	ADJ
ejge-10173	292	16	.	.	PUNCT
ejge-10173	293	1	this	this	PRON
ejge-10173	293	2	is	be	AUX
ejge-10173	293	3	manifested	manifest	VERB
ejge-10173	293	4	especially	especially	ADV
ejge-10173	293	5	in	in	ADP
ejge-10173	293	6	electronic	electronic	ADJ
ejge-10173	293	7	invoicing	invoicing	NOUN
ejge-10173	293	8	and	and	CCONJ
ejge-10173	293	9	online	online	ADJ
ejge-10173	293	10	payment	payment	NOUN
ejge-10173	293	11	transfers	transfer	NOUN
ejge-10173	293	12	made	make	VERB
ejge-10173	293	13	to	to	ADP
ejge-10173	293	14	suppliers	supplier	NOUN
ejge-10173	293	15	and	and	CCONJ
ejge-10173	293	16	the	the	DET
ejge-10173	293	17	presence	presence	NOUN
ejge-10173	293	18	of	of	ADP
ejge-10173	293	19	fintech	fintech	NOUN
ejge-10173	293	20	applications	application	NOUN
ejge-10173	293	21	.	.	PUNCT
ejge-10173	294	1	notwithstanding	notwithstanding	ADP
ejge-10173	294	2	the	the	DET
ejge-10173	294	3	category	category	NOUN
ejge-10173	294	4	in	in	ADP
ejge-10173	294	5	which	which	PRON
ejge-10173	294	6	enterprises	enterprise	NOUN
ejge-10173	294	7	belong	belong	VERB
ejge-10173	294	8	,	,	PUNCT
ejge-10173	294	9	all	all	PRON
ejge-10173	294	10	of	of	ADP
ejge-10173	294	11	them	they	PRON
ejge-10173	294	12	have	have	AUX
ejge-10173	294	13	made	make	VERB
ejge-10173	294	14	at	at	ADP
ejge-10173	294	15	least	least	ADV
ejge-10173	294	16	two	two	NUM
ejge-10173	294	17	significant	significant	ADJ
ejge-10173	294	18	investments	investment	NOUN
ejge-10173	294	19	toward	toward	ADP
ejge-10173	294	20	fintech	fintech	NOUN
ejge-10173	294	21	implementation	implementation	NOUN
ejge-10173	294	22	,	,	PUNCT
ejge-10173	294	23	indicating	indicate	VERB
ejge-10173	294	24	an	an	DET
ejge-10173	294	25	unexploited	unexploited	ADJ
ejge-10173	294	26	potential	potential	NOUN
ejge-10173	294	27	for	for	ADP
ejge-10173	294	28	strengthening	strengthen	VERB
ejge-10173	294	29	regional	regional	ADJ
ejge-10173	294	30	value	value	NOUN
ejge-10173	294	31	chains	chain	NOUN
ejge-10173	294	32	that	that	PRON
ejge-10173	294	33	will	will	AUX
ejge-10173	294	34	lead	lead	VERB
ejge-10173	294	35	to	to	ADP
ejge-10173	294	36	further	further	ADJ
ejge-10173	294	37	integration	integration	NOUN
ejge-10173	294	38	into	into	ADP
ejge-10173	294	39	global	global	ADJ
ejge-10173	294	40	ones	one	NOUN
ejge-10173	294	41	.	.	PUNCT
ejge-10173	295	1	our	our	PRON
ejge-10173	295	2	findings	finding	NOUN
ejge-10173	295	3	indicate	indicate	VERB
ejge-10173	295	4	that	that	SCONJ
ejge-10173	295	5	several	several	ADJ
ejge-10173	295	6	enterprises	enterprise	NOUN
ejge-10173	295	7	can	can	AUX
ejge-10173	295	8	outperform	outperform	VERB
ejge-10173	295	9	the	the	DET
ejge-10173	295	10	industry	industry	NOUN
ejge-10173	295	11	by	by	ADP
ejge-10173	295	12	exhibiting	exhibit	VERB
ejge-10173	295	13	a	a	DET
ejge-10173	295	14	much	much	ADV
ejge-10173	295	15	higher	high	ADJ
ejge-10173	295	16	potential	potential	NOUN
ejge-10173	295	17	for	for	ADP
ejge-10173	295	18	the	the	DET
ejge-10173	295	19	creation	creation	NOUN
ejge-10173	295	20	of	of	ADP
ejge-10173	295	21	sustainable	sustainable	ADJ
ejge-10173	295	22	regional	regional	ADJ
ejge-10173	295	23	value	value	NOUN
ejge-10173	295	24	chains	chain	NOUN
ejge-10173	295	25	(	(	PUNCT
ejge-10173	295	26	adeleye	adeleye	NOUN
ejge-10173	295	27	et	et	NOUN
ejge-10173	295	28	al	al	PROPN
ejge-10173	295	29	.	.	PROPN
ejge-10173	295	30	,	,	PUNCT
ejge-10173	295	31	2021	2021	NUM
ejge-10173	295	32	)	)	PUNCT
ejge-10173	295	33	.	.	PUNCT
ejge-10173	296	1	220	220	NUM
ejge-10173	296	2	gentjan	gentjan	NOUN
ejge-10173	296	3	shaquiri	shaquiri	NOUN
ejge-10173	296	4	et	et	PROPN
ejge-10173	296	5	al	al	PROPN
ejge-10173	296	6	.	.	PROPN
ejge-10173	296	7	5	5	NUM
ejge-10173	296	8	.	.	PUNCT
ejge-10173	296	9	conclusions	conclusion	NOUN
ejge-10173	296	10	and	and	CCONJ
ejge-10173	296	11	policy	policy	NOUN
ejge-10173	296	12	recommendations	recommendation	NOUN
ejge-10173	296	13	our	our	PRON
ejge-10173	296	14	research	research	NOUN
ejge-10173	296	15	shows	show	VERB
ejge-10173	296	16	that	that	SCONJ
ejge-10173	296	17	enterprises	enterprise	NOUN
ejge-10173	296	18	in	in	ADP
ejge-10173	296	19	the	the	DET
ejge-10173	296	20	western	western	ADJ
ejge-10173	296	21	balkan	balkan	ADJ
ejge-10173	296	22	region	region	NOUN
ejge-10173	296	23	have	have	VERB
ejge-10173	296	24	a	a	DET
ejge-10173	296	25	moderate	moderate	ADJ
ejge-10173	296	26	to	to	PART
ejge-10173	296	27	weak	weak	ADJ
ejge-10173	296	28	potential	potential	NOUN
ejge-10173	296	29	for	for	ADP
ejge-10173	296	30	the	the	DET
ejge-10173	296	31	establishment	establishment	NOUN
ejge-10173	296	32	of	of	ADP
ejge-10173	296	33	regional	regional	ADJ
ejge-10173	296	34	value	value	NOUN
ejge-10173	296	35	chains	chain	NOUN
ejge-10173	296	36	,	,	PUNCT
ejge-10173	296	37	given	give	VERB
ejge-10173	296	38	the	the	DET
ejge-10173	296	39	slow	slow	ADJ
ejge-10173	296	40	progress	progress	NOUN
ejge-10173	296	41	made	make	VERB
ejge-10173	296	42	in	in	ADP
ejge-10173	296	43	the	the	DET
ejge-10173	296	44	implementation	implementation	NOUN
ejge-10173	296	45	of	of	ADP
ejge-10173	296	46	fintech	fintech	NOUN
ejge-10173	296	47	solutions	solution	NOUN
ejge-10173	296	48	.	.	PUNCT
ejge-10173	297	1	enterprises	enterprise	NOUN
ejge-10173	297	2	and	and	CCONJ
ejge-10173	297	3	policymakers	policymaker	NOUN
ejge-10173	297	4	need	need	VERB
ejge-10173	297	5	to	to	PART
ejge-10173	297	6	foster	foster	VERB
ejge-10173	297	7	a	a	DET
ejge-10173	297	8	business	business	NOUN
ejge-10173	297	9	environment	environment	NOUN
ejge-10173	297	10	driven	drive	VERB
ejge-10173	297	11	by	by	ADP
ejge-10173	297	12	a	a	DET
ejge-10173	297	13	higher	high	ADJ
ejge-10173	297	14	degree	degree	NOUN
ejge-10173	297	15	of	of	ADP
ejge-10173	297	16	fintech	fintech	NOUN
ejge-10173	297	17	transactions	transaction	NOUN
ejge-10173	297	18	to	to	PART
ejge-10173	297	19	encourage	encourage	VERB
ejge-10173	297	20	a	a	DET
ejge-10173	297	21	higher	high	ADJ
ejge-10173	297	22	degree	degree	NOUN
ejge-10173	297	23	of	of	ADP
ejge-10173	297	24	regional	regional	ADJ
ejge-10173	297	25	interconnection	interconnection	NOUN
ejge-10173	297	26	,	,	PUNCT
ejge-10173	297	27	leading	lead	VERB
ejge-10173	297	28	to	to	ADP
ejge-10173	297	29	a	a	DET
ejge-10173	297	30	higher	high	ADJ
ejge-10173	297	31	integration	integration	NOUN
ejge-10173	297	32	into	into	ADP
ejge-10173	297	33	gvcs	gvcs	NOUN
ejge-10173	297	34	(	(	PUNCT
ejge-10173	297	35	egwuonwu	egwuonwu	NOUN
ejge-10173	297	36	et	et	PROPN
ejge-10173	297	37	al	al	PROPN
ejge-10173	297	38	.	.	PROPN
ejge-10173	297	39	,	,	PUNCT
ejge-10173	297	40	2022	2022	NUM
ejge-10173	297	41	)	)	PUNCT
ejge-10173	297	42	.	.	PUNCT
ejge-10173	298	1	based	base	VERB
ejge-10173	298	2	on	on	ADP
ejge-10173	298	3	the	the	DET
ejge-10173	298	4	findings	finding	NOUN
ejge-10173	298	5	of	of	ADP
ejge-10173	298	6	this	this	DET
ejge-10173	298	7	paper	paper	NOUN
ejge-10173	298	8	,	,	PUNCT
ejge-10173	298	9	the	the	DET
ejge-10173	298	10	creation	creation	NOUN
ejge-10173	298	11	of	of	ADP
ejge-10173	298	12	regional	regional	ADJ
ejge-10173	298	13	value	value	NOUN
ejge-10173	298	14	chains	chain	NOUN
ejge-10173	298	15	encouraged	encourage	VERB
ejge-10173	298	16	through	through	ADP
ejge-10173	298	17	the	the	DET
ejge-10173	298	18	application	application	NOUN
ejge-10173	298	19	of	of	ADP
ejge-10173	298	20	fintech	fintech	NOUN
ejge-10173	298	21	solutions	solution	NOUN
ejge-10173	298	22	has	have	VERB
ejge-10173	298	23	long	long	ADJ
ejge-10173	298	24	-	-	PUNCT
ejge-10173	298	25	term	term	NOUN
ejge-10173	298	26	benefits	benefit	NOUN
ejge-10173	298	27	for	for	ADP
ejge-10173	298	28	western	western	ADJ
ejge-10173	298	29	balkan	balkan	ADJ
ejge-10173	298	30	countries	country	NOUN
ejge-10173	298	31	in	in	ADP
ejge-10173	298	32	improving	improve	VERB
ejge-10173	298	33	operational	operational	ADJ
ejge-10173	298	34	financial	financial	ADJ
ejge-10173	298	35	transparency	transparency	NOUN
ejge-10173	298	36	and	and	CCONJ
ejge-10173	298	37	attracting	attract	VERB
ejge-10173	298	38	additional	additional	ADJ
ejge-10173	298	39	investment	investment	NOUN
ejge-10173	298	40	from	from	ADP
ejge-10173	298	41	foreign	foreign	ADJ
ejge-10173	298	42	enterprises	enterprise	NOUN
ejge-10173	298	43	,	,	PUNCT
ejge-10173	298	44	especially	especially	ADV
ejge-10173	298	45	the	the	DET
ejge-10173	298	46	european	european	ADJ
ejge-10173	298	47	ones	one	NOUN
ejge-10173	298	48	.	.	PUNCT
ejge-10173	299	1	to	to	PART
ejge-10173	299	2	take	take	VERB
ejge-10173	299	3	full	full	ADJ
ejge-10173	299	4	advantage	advantage	NOUN
ejge-10173	299	5	of	of	ADP
ejge-10173	299	6	the	the	DET
ejge-10173	299	7	eu	eu	PROPN
ejge-10173	299	8	market	market	NOUN
ejge-10173	299	9	,	,	PUNCT
ejge-10173	299	10	institutional	institutional	ADJ
ejge-10173	299	11	actions	action	NOUN
ejge-10173	299	12	need	need	VERB
ejge-10173	299	13	to	to	PART
ejge-10173	299	14	initiate	initiate	VERB
ejge-10173	299	15	and	and	CCONJ
ejge-10173	299	16	implement	implement	VERB
ejge-10173	299	17	pre	pre	ADJ
ejge-10173	299	18	-	-	ADJ
ejge-10173	299	19	emptive	emptive	ADJ
ejge-10173	299	20	policies	policy	NOUN
ejge-10173	299	21	to	to	PART
ejge-10173	299	22	improve	improve	VERB
ejge-10173	299	23	financial	financial	ADJ
ejge-10173	299	24	infrastructure	infrastructure	NOUN
ejge-10173	299	25	in	in	ADP
ejge-10173	299	26	the	the	DET
ejge-10173	299	27	private	private	ADJ
ejge-10173	299	28	sector	sector	NOUN
ejge-10173	299	29	and	and	CCONJ
ejge-10173	299	30	strengthen	strengthen	VERB
ejge-10173	299	31	regional	regional	ADJ
ejge-10173	299	32	investment	investment	NOUN
ejge-10173	299	33	competitiveness	competitiveness	NOUN
ejge-10173	299	34	(	(	PUNCT
ejge-10173	299	35	abou	abou	NOUN
ejge-10173	299	36	-	-	PUNCT
ejge-10173	299	37	foul	foul	NOUN
ejge-10173	299	38	et	et	PROPN
ejge-10173	299	39	al	al	PROPN
ejge-10173	299	40	.	.	PROPN
ejge-10173	299	41	,	,	PUNCT
ejge-10173	299	42	2021	2021	NUM
ejge-10173	299	43	)	)	PUNCT
ejge-10173	299	44	.	.	PUNCT
ejge-10173	300	1	these	these	DET
ejge-10173	300	2	policies	policy	NOUN
ejge-10173	300	3	can	can	AUX
ejge-10173	300	4	be	be	AUX
ejge-10173	300	5	implemented	implement	VERB
ejge-10173	300	6	in	in	ADP
ejge-10173	300	7	the	the	DET
ejge-10173	300	8	framework	framework	NOUN
ejge-10173	300	9	of	of	ADP
ejge-10173	300	10	global	global	ADJ
ejge-10173	300	11	shifts	shift	NOUN
ejge-10173	300	12	occurring	occur	VERB
ejge-10173	300	13	in	in	ADP
ejge-10173	300	14	several	several	ADJ
ejge-10173	300	15	gvcs	gvcs	NOUN
ejge-10173	300	16	,	,	PUNCT
ejge-10173	300	17	accelerating	accelerate	VERB
ejge-10173	300	18	integration	integration	NOUN
ejge-10173	300	19	for	for	ADP
ejge-10173	300	20	enterprises	enterprise	NOUN
ejge-10173	300	21	that	that	PRON
ejge-10173	300	22	are	be	AUX
ejge-10173	300	23	more	more	ADV
ejge-10173	300	24	inclined	inclined	ADJ
ejge-10173	300	25	to	to	PART
ejge-10173	300	26	form	form	VERB
ejge-10173	300	27	regional	regional	ADJ
ejge-10173	300	28	value	value	NOUN
ejge-10173	300	29	chains	chain	NOUN
ejge-10173	300	30	.	.	PUNCT
ejge-10173	301	1	in	in	ADP
ejge-10173	301	2	addition	addition	NOUN
ejge-10173	301	3	,	,	PUNCT
ejge-10173	301	4	the	the	DET
ejge-10173	301	5	implementation	implementation	NOUN
ejge-10173	301	6	of	of	ADP
ejge-10173	301	7	joint	joint	ADJ
ejge-10173	301	8	initiatives	initiative	NOUN
ejge-10173	301	9	and	and	CCONJ
ejge-10173	301	10	policies	policy	NOUN
ejge-10173	301	11	to	to	PART
ejge-10173	301	12	enable	enable	VERB
ejge-10173	301	13	the	the	DET
ejge-10173	301	14	creation	creation	NOUN
ejge-10173	301	15	of	of	ADP
ejge-10173	301	16	sustainable	sustainable	ADJ
ejge-10173	301	17	regional	regional	ADJ
ejge-10173	301	18	value	value	NOUN
ejge-10173	301	19	chains	chain	NOUN
ejge-10173	301	20	in	in	ADP
ejge-10173	301	21	specific	specific	ADJ
ejge-10173	301	22	industries	industry	NOUN
ejge-10173	301	23	brings	bring	VERB
ejge-10173	301	24	additional	additional	ADJ
ejge-10173	301	25	benefits	benefit	NOUN
ejge-10173	301	26	from	from	ADP
ejge-10173	301	27	participation	participation	NOUN
ejge-10173	301	28	in	in	ADP
ejge-10173	301	29	the	the	DET
ejge-10173	301	30	eu	eu	PROPN
ejge-10173	301	31	market	market	NOUN
ejge-10173	301	32	(	(	PUNCT
ejge-10173	301	33	caputo	caputo	PROPN
ejge-10173	301	34	et	et	PROPN
ejge-10173	301	35	al	al	PROPN
ejge-10173	301	36	.	.	PROPN
ejge-10173	301	37	,	,	PUNCT
ejge-10173	301	38	2021	2021	NUM
ejge-10173	301	39	)	)	PUNCT
ejge-10173	301	40	.	.	PUNCT
ejge-10173	302	1	this	this	DET
ejge-10173	302	2	way	way	NOUN
ejge-10173	302	3	,	,	PUNCT
ejge-10173	302	4	enterprises	enterprise	NOUN
ejge-10173	302	5	in	in	ADP
ejge-10173	302	6	the	the	DET
ejge-10173	302	7	western	western	ADJ
ejge-10173	302	8	balkan	balkan	ADJ
ejge-10173	302	9	region	region	NOUN
ejge-10173	302	10	are	be	AUX
ejge-10173	302	11	exposed	expose	VERB
ejge-10173	302	12	to	to	ADP
ejge-10173	302	13	new	new	ADJ
ejge-10173	302	14	fintech	fintech	NOUN
ejge-10173	302	15	technologies	technology	NOUN
ejge-10173	302	16	,	,	PUNCT
ejge-10173	302	17	innovations	innovation	NOUN
ejge-10173	302	18	,	,	PUNCT
ejge-10173	302	19	and	and	CCONJ
ejge-10173	302	20	automation	automation	NOUN
ejge-10173	302	21	.	.	PUNCT
ejge-10173	303	1	this	this	DET
ejge-10173	303	2	exposure	exposure	NOUN
ejge-10173	303	3	improves	improve	VERB
ejge-10173	303	4	competitiveness	competitiveness	NOUN
ejge-10173	303	5	and	and	CCONJ
ejge-10173	303	6	facilitates	facilitate	VERB
ejge-10173	303	7	compliance	compliance	NOUN
ejge-10173	303	8	with	with	ADP
ejge-10173	303	9	international	international	ADJ
ejge-10173	303	10	standards	standard	NOUN
ejge-10173	303	11	in	in	ADP
ejge-10173	303	12	the	the	DET
ejge-10173	303	13	provision	provision	NOUN
ejge-10173	303	14	of	of	ADP
ejge-10173	303	15	goods	good	NOUN
ejge-10173	303	16	and	and	CCONJ
ejge-10173	303	17	services	service	NOUN
ejge-10173	303	18	,	,	PUNCT
ejge-10173	303	19	resulting	result	VERB
ejge-10173	303	20	in	in	ADP
ejge-10173	303	21	higher	high	ADJ
ejge-10173	303	22	customer	customer	NOUN
ejge-10173	303	23	satisfaction	satisfaction	NOUN
ejge-10173	303	24	and	and	CCONJ
ejge-10173	303	25	compliance	compliance	NOUN
ejge-10173	303	26	with	with	ADP
ejge-10173	303	27	international	international	ADJ
ejge-10173	303	28	standards	standard	NOUN
ejge-10173	303	29	for	for	ADP
ejge-10173	303	30	the	the	DET
ejge-10173	303	31	provision	provision	NOUN
ejge-10173	303	32	of	of	ADP
ejge-10173	303	33	goods	good	NOUN
ejge-10173	303	34	and	and	CCONJ
ejge-10173	303	35	services	service	NOUN
ejge-10173	303	36	(	(	PUNCT
ejge-10173	303	37	dünhaupt	dünhaupt	ADJ
ejge-10173	303	38	and	and	CCONJ
ejge-10173	303	39	herr,2021	herr,2021	NOUN
ejge-10173	303	40	)	)	PUNCT
ejge-10173	303	41	.	.	PUNCT
ejge-10173	304	1	fintech	fintech	NOUN
ejge-10173	304	2	innovations	innovation	NOUN
ejge-10173	304	3	are	be	AUX
ejge-10173	304	4	increasingly	increasingly	ADV
ejge-10173	304	5	based	base	VERB
ejge-10173	304	6	on	on	ADP
ejge-10173	304	7	blockchain	blockchain	PROPN
ejge-10173	304	8	technology	technology	PROPN
ejge-10173	304	9	and	and	CCONJ
ejge-10173	304	10	artificial	artificial	ADJ
ejge-10173	304	11	intelligence	intelligence	NOUN
ejge-10173	304	12	.	.	PUNCT
ejge-10173	305	1	blockchain	blockchain	PROPN
ejge-10173	305	2	technology	technology	PROPN
ejge-10173	305	3	has	have	VERB
ejge-10173	305	4	the	the	DET
ejge-10173	305	5	potential	potential	NOUN
ejge-10173	305	6	to	to	PART
ejge-10173	305	7	disrupt	disrupt	VERB
ejge-10173	305	8	traditional	traditional	ADJ
ejge-10173	305	9	value	value	NOUN
ejge-10173	305	10	chains	chain	NOUN
ejge-10173	305	11	by	by	ADP
ejge-10173	305	12	enabling	enable	VERB
ejge-10173	305	13	more	more	ADV
ejge-10173	305	14	secure	secure	ADJ
ejge-10173	305	15	,	,	PUNCT
ejge-10173	305	16	transparent	transparent	ADJ
ejge-10173	305	17	,	,	PUNCT
ejge-10173	305	18	and	and	CCONJ
ejge-10173	305	19	efficient	efficient	ADJ
ejge-10173	305	20	transactions	transaction	NOUN
ejge-10173	305	21	and	and	CCONJ
ejge-10173	305	22	value	value	NOUN
ejge-10173	305	23	exchange	exchange	NOUN
ejge-10173	305	24	.	.	PUNCT
ejge-10173	306	1	on	on	ADP
ejge-10173	306	2	the	the	DET
ejge-10173	306	3	other	other	ADJ
ejge-10173	306	4	hand	hand	NOUN
ejge-10173	306	5	,	,	PUNCT
ejge-10173	306	6	in	in	ADP
ejge-10173	306	7	the	the	DET
ejge-10173	306	8	coming	come	VERB
ejge-10173	306	9	years	year	NOUN
ejge-10173	306	10	,	,	PUNCT
ejge-10173	306	11	it	it	PRON
ejge-10173	306	12	is	be	AUX
ejge-10173	306	13	expected	expect	VERB
ejge-10173	306	14	that	that	SCONJ
ejge-10173	306	15	ai	ai	ADJ
ejge-10173	306	16	-	-	PUNCT
ejge-10173	306	17	enabled	enable	VERB
ejge-10173	306	18	systems	system	NOUN
ejge-10173	306	19	will	will	AUX
ejge-10173	306	20	speed	speed	VERB
ejge-10173	306	21	up	up	ADP
ejge-10173	306	22	cumbersome	cumbersome	ADJ
ejge-10173	306	23	customs	custom	NOUN
ejge-10173	306	24	procedures	procedure	NOUN
ejge-10173	306	25	,	,	PUNCT
ejge-10173	306	26	remove	remove	VERB
ejge-10173	306	27	roadblocks	roadblock	NOUN
ejge-10173	306	28	,	,	PUNCT
ejge-10173	306	29	and	and	CCONJ
ejge-10173	306	30	make	make	VERB
ejge-10173	306	31	it	it	PRON
ejge-10173	306	32	easier	easy	ADJ
ejge-10173	306	33	for	for	SCONJ
ejge-10173	306	34	goods	good	NOUN
ejge-10173	306	35	to	to	PART
ejge-10173	306	36	cross	cross	VERB
ejge-10173	306	37	borders	border	NOUN
ejge-10173	306	38	.	.	PUNCT
ejge-10173	307	1	moreover	moreover	ADV
ejge-10173	307	2	,	,	PUNCT
ejge-10173	307	3	demand	demand	NOUN
ejge-10173	307	4	forecasting	forecasting	NOUN
ejge-10173	307	5	and	and	CCONJ
ejge-10173	307	6	visibility	visibility	NOUN
ejge-10173	307	7	platforms	platform	NOUN
ejge-10173	307	8	powered	power	VERB
ejge-10173	307	9	by	by	ADP
ejge-10173	307	10	ai	ai	NOUN
ejge-10173	307	11	will	will	AUX
ejge-10173	307	12	be	be	AUX
ejge-10173	307	13	developed	develop	VERB
ejge-10173	307	14	to	to	PART
ejge-10173	307	15	help	help	VERB
ejge-10173	307	16	companies	company	NOUN
ejge-10173	307	17	optimize	optimize	VERB
ejge-10173	307	18	inventory	inventory	NOUN
ejge-10173	307	19	levels	level	NOUN
ejge-10173	307	20	and	and	CCONJ
ejge-10173	307	21	provide	provide	VERB
ejge-10173	307	22	real	real	ADJ
ejge-10173	307	23	-	-	PUNCT
ejge-10173	307	24	time	time	NOUN
ejge-10173	307	25	visibility	visibility	NOUN
ejge-10173	307	26	in	in	ADP
ejge-10173	307	27	various	various	ADJ
ejge-10173	307	28	gvcs	gvcs	NOUN
ejge-10173	307	29	.	.	PUNCT
ejge-10173	308	1	such	such	ADJ
ejge-10173	308	2	optimization	optimization	NOUN
ejge-10173	308	3	will	will	AUX
ejge-10173	308	4	enable	enable	VERB
ejge-10173	308	5	enterprises	enterprise	NOUN
ejge-10173	308	6	to	to	PART
ejge-10173	308	7	ai	ai	VERB
ejge-10173	308	8	tools	tool	NOUN
ejge-10173	308	9	to	to	PART
ejge-10173	308	10	facilitate	facilitate	VERB
ejge-10173	308	11	environmental	environmental	ADJ
ejge-10173	308	12	,	,	PUNCT
ejge-10173	308	13	social	social	ADJ
ejge-10173	308	14	,	,	PUNCT
ejge-10173	308	15	and	and	CCONJ
ejge-10173	308	16	governance	governance	NOUN
ejge-10173	308	17	(	(	PUNCT
ejge-10173	308	18	esg	esg	NOUN
ejge-10173	308	19	)	)	PUNCT
ejge-10173	308	20	reporting	reporting	NOUN
ejge-10173	308	21	in	in	ADP
ejge-10173	308	22	various	various	ADJ
ejge-10173	308	23	industries	industry	NOUN
ejge-10173	308	24	(	(	PUNCT
ejge-10173	308	25	longbin	longbin	ADV
ejge-10173	308	26	et	et	PROPN
ejge-10173	308	27	al	al	PROPN
ejge-10173	308	28	.	.	PROPN
ejge-10173	308	29	,	,	PUNCT
ejge-10173	308	30	2021	2021	NUM
ejge-10173	308	31	)	)	PUNCT
ejge-10173	308	32	.	.	PUNCT
ejge-10173	309	1	namely	namely	ADV
ejge-10173	309	2	,	,	PUNCT
ejge-10173	309	3	ai	ai	AUX
ejge-10173	309	4	-	-	PUNCT
ejge-10173	309	5	enabled	enable	VERB
ejge-10173	309	6	analytics	analytic	NOUN
ejge-10173	309	7	can	can	AUX
ejge-10173	309	8	fill	fill	VERB
ejge-10173	309	9	disclosure	disclosure	NOUN
ejge-10173	309	10	gaps	gap	NOUN
ejge-10173	309	11	and	and	CCONJ
ejge-10173	309	12	facilitate	facilitate	VERB
ejge-10173	309	13	sustainable	sustainable	ADJ
ejge-10173	309	14	investing	investing	NOUN
ejge-10173	309	15	.	.	PUNCT
ejge-10173	310	1	enterprises	enterprise	NOUN
ejge-10173	310	2	in	in	ADP
ejge-10173	310	3	the	the	DET
ejge-10173	310	4	western	western	ADJ
ejge-10173	310	5	balkans	balkans	PROPN
ejge-10173	310	6	can	can	AUX
ejge-10173	310	7	follow	follow	VERB
ejge-10173	310	8	a	a	DET
ejge-10173	310	9	gradual	gradual	ADJ
ejge-10173	310	10	implementation	implementation	NOUN
ejge-10173	310	11	approach	approach	NOUN
ejge-10173	310	12	of	of	ADP
ejge-10173	310	13	such	such	ADJ
ejge-10173	310	14	technologies	technology	NOUN
ejge-10173	310	15	,	,	PUNCT
ejge-10173	310	16	in	in	ADP
ejge-10173	310	17	their	their	PRON
ejge-10173	310	18	operations	operation	NOUN
ejge-10173	310	19	.	.	PUNCT
ejge-10173	311	1	in	in	ADP
ejge-10173	311	2	doing	do	VERB
ejge-10173	311	3	so	so	ADV
ejge-10173	311	4	,	,	PUNCT
ejge-10173	311	5	they	they	PRON
ejge-10173	311	6	can	can	AUX
ejge-10173	311	7	follow	follow	VERB
ejge-10173	311	8	in	in	ADP
ejge-10173	311	9	the	the	DET
ejge-10173	311	10	footsteps	footstep	NOUN
ejge-10173	311	11	of	of	ADP
ejge-10173	311	12	main	main	ADJ
ejge-10173	311	13	counterparties	counterpartie	NOUN
ejge-10173	311	14	well	well	ADV
ejge-10173	311	15	integrated	integrate	VERB
ejge-10173	311	16	in	in	ADP
ejge-10173	311	17	gvcs	gvcs	NOUN
ejge-10173	311	18	,	,	PUNCT
ejge-10173	311	19	such	such	ADJ
ejge-10173	311	20	as	as	ADP
ejge-10173	311	21	customers	customer	NOUN
ejge-10173	311	22	,	,	PUNCT
ejge-10173	311	23	suppliers	supplier	NOUN
ejge-10173	311	24	,	,	PUNCT
ejge-10173	311	25	or	or	CCONJ
ejge-10173	311	26	enterprise	enterprise	NOUN
ejge-10173	311	27	headquarters	headquarters	NOUN
ejge-10173	311	28	,	,	PUNCT
ejge-10173	311	29	embracing	embrace	VERB
ejge-10173	311	30	best	good	ADJ
ejge-10173	311	31	practices	practice	NOUN
ejge-10173	311	32	,	,	PUNCT
ejge-10173	311	33	thus	thus	ADV
ejge-10173	311	34	avoiding	avoid	VERB
ejge-10173	311	35	challenges	challenge	NOUN
ejge-10173	311	36	and	and	CCONJ
ejge-10173	311	37	failures	failure	NOUN
ejge-10173	311	38	previously	previously	ADV
ejge-10173	311	39	experienced	experience	VERB
ejge-10173	311	40	by	by	ADP
ejge-10173	311	41	them	they	PRON
ejge-10173	311	42	.	.	PUNCT
ejge-10173	312	1	in	in	ADP
ejge-10173	312	2	parallel	parallel	NOUN
ejge-10173	312	3	,	,	PUNCT
ejge-10173	312	4	the	the	DET
ejge-10173	312	5	development	development	NOUN
ejge-10173	312	6	of	of	ADP
ejge-10173	312	7	continuous	continuous	ADJ
ejge-10173	312	8	training	training	NOUN
ejge-10173	312	9	programs	program	NOUN
ejge-10173	312	10	for	for	SCONJ
ejge-10173	312	11	employees	employee	NOUN
ejge-10173	312	12	to	to	PART
ejge-10173	312	13	use	use	VERB
ejge-10173	312	14	fintech	fintech	NOUN
ejge-10173	312	15	innovations	innovation	NOUN
ejge-10173	312	16	is	be	AUX
ejge-10173	312	17	mandatory	mandatory	ADJ
ejge-10173	312	18	to	to	PART
ejge-10173	312	19	ensure	ensure	VERB
ejge-10173	312	20	a	a	DET
ejge-10173	312	21	smooth	smooth	ADJ
ejge-10173	312	22	transition	transition	NOUN
ejge-10173	312	23	from	from	ADP
ejge-10173	312	24	traditional	traditional	ADJ
ejge-10173	312	25	operation	operation	NOUN
ejge-10173	312	26	systems	system	NOUN
ejge-10173	312	27	into	into	ADP
ejge-10173	312	28	the	the	DET
ejge-10173	312	29	new	new	ADJ
ejge-10173	312	30	ones	one	NOUN
ejge-10173	312	31	based	base	VERB
ejge-10173	312	32	on	on	ADP
ejge-10173	312	33	blockchain	blockchain	PROPN
ejge-10173	312	34	and	and	CCONJ
ejge-10173	312	35	ai	ai	VERB
ejge-10173	312	36	.	.	PUNCT
ejge-10173	313	1	this	this	DET
ejge-10173	313	2	way	way	NOUN
ejge-10173	313	3	,	,	PUNCT
ejge-10173	313	4	enterprises	enterprise	NOUN
ejge-10173	313	5	can	can	AUX
ejge-10173	313	6	collaborate	collaborate	VERB
ejge-10173	313	7	effectively	effectively	ADV
ejge-10173	313	8	with	with	ADP
ejge-10173	313	9	third	third	ADJ
ejge-10173	313	10	-	-	PUNCT
ejge-10173	313	11	party	party	NOUN
ejge-10173	313	12	experts	expert	NOUN
ejge-10173	313	13	and	and	CCONJ
ejge-10173	313	14	align	align	VERB
ejge-10173	313	15	expert	expert	ADJ
ejge-10173	313	16	recommendations	recommendation	NOUN
ejge-10173	313	17	with	with	ADP
ejge-10173	313	18	the	the	DET
ejge-10173	313	19	objectives	objective	NOUN
ejge-10173	313	20	of	of	ADP
ejge-10173	313	21	implementing	implement	VERB
ejge-10173	313	22	fintech	fintech	NOUN
ejge-10173	313	23	in	in	ADP
ejge-10173	313	24	the	the	DET
ejge-10173	313	25	operations	operation	NOUN
ejge-10173	313	26	of	of	ADP
ejge-10173	313	27	the	the	DET
ejge-10173	313	28	enterprise	enterprise	NOUN
ejge-10173	313	29	.	.	PUNCT
ejge-10173	314	1	by	by	ADP
ejge-10173	314	2	doing	do	VERB
ejge-10173	314	3	so	so	ADV
ejge-10173	314	4	,	,	PUNCT
ejge-10173	314	5	enterprises	enterprise	NOUN
ejge-10173	314	6	in	in	ADP
ejge-10173	314	7	the	the	DET
ejge-10173	314	8	western	western	ADJ
ejge-10173	314	9	balkan	balkan	ADJ
ejge-10173	314	10	region	region	NOUN
ejge-10173	314	11	will	will	AUX
ejge-10173	314	12	find	find	VERB
ejge-10173	314	13	it	it	PRON
ejge-10173	314	14	easier	easy	ADJ
ejge-10173	314	15	to	to	PART
ejge-10173	314	16	become	become	VERB
ejge-10173	314	17	integrated	integrate	VERB
ejge-10173	314	18	into	into	ADP
ejge-10173	314	19	gvcs	gvcs	NOUN
ejge-10173	314	20	(	(	PUNCT
ejge-10173	314	21	guo	guo	PROPN
ejge-10173	314	22	et	et	PROPN
ejge-10173	314	23	al	al	PROPN
ejge-10173	314	24	.	.	PROPN
ejge-10173	314	25	,	,	PUNCT
ejge-10173	314	26	2022	2022	NUM
ejge-10173	314	27	)	)	PUNCT
ejge-10173	314	28	.	.	PUNCT
ejge-10173	315	1	https://payspacemagazine.com/articles/how-ai-can-facilitate-sustainable-investing/	https://payspacemagazine.com/articles/how-ai-can-facilitate-sustainable-investing/	PROPN
ejge-10173	316	1	https://payspacemagazine.com/articles/how-ai-can-facilitate-sustainable-investing/	https://payspacemagazine.com/articles/how-ai-can-facilitate-sustainable-investing/	PROPN
ejge-10173	316	2	unlocking	unlock	VERB
ejge-10173	316	3	regional	regional	ADJ
ejge-10173	316	4	value	value	NOUN
ejge-10173	316	5	chains	chain	NOUN
ejge-10173	316	6	with	with	ADP
ejge-10173	316	7	the	the	DET
ejge-10173	316	8	fast	fast	ADV
ejge-10173	316	9	-	-	PUNCT
ejge-10173	316	10	paced	pace	VERB
ejge-10173	316	11	developments	development	NOUN
ejge-10173	316	12	in	in	ADP
ejge-10173	316	13	information	information	NOUN
ejge-10173	316	14	and	and	CCONJ
ejge-10173	316	15	communication	communication	NOUN
ejge-10173	316	16	technologies	technology	NOUN
ejge-10173	316	17	,	,	PUNCT
ejge-10173	316	18	fintech	fintech	NOUN
ejge-10173	316	19	solutions	solution	NOUN
ejge-10173	316	20	and	and	CCONJ
ejge-10173	316	21	applications	application	NOUN
ejge-10173	316	22	can	can	AUX
ejge-10173	316	23	be	be	AUX
ejge-10173	316	24	one	one	NUM
ejge-10173	316	25	of	of	ADP
ejge-10173	316	26	the	the	DET
ejge-10173	316	27	main	main	ADJ
ejge-10173	316	28	driving	drive	VERB
ejge-10173	316	29	forces	force	NOUN
ejge-10173	316	30	behind	behind	ADP
ejge-10173	316	31	the	the	DET
ejge-10173	316	32	transformation	transformation	NOUN
ejge-10173	316	33	and	and	CCONJ
ejge-10173	316	34	upgrading	upgrading	NOUN
ejge-10173	316	35	of	of	ADP
ejge-10173	316	36	regional	regional	ADJ
ejge-10173	316	37	value	value	NOUN
ejge-10173	316	38	chains	chain	NOUN
ejge-10173	316	39	among	among	ADP
ejge-10173	316	40	western	western	ADJ
ejge-10173	316	41	balkan	balkan	ADJ
ejge-10173	316	42	countries	country	NOUN
ejge-10173	316	43	.	.	PUNCT
ejge-10173	317	1	enterprises	enterprise	NOUN
ejge-10173	317	2	in	in	ADP
ejge-10173	317	3	the	the	DET
ejge-10173	317	4	western	western	ADJ
ejge-10173	317	5	balkan	balkan	ADJ
ejge-10173	317	6	region	region	NOUN
ejge-10173	317	7	need	need	VERB
ejge-10173	317	8	to	to	PART
ejge-10173	317	9	transform	transform	VERB
ejge-10173	317	10	their	their	PRON
ejge-10173	317	11	operating	operating	NOUN
ejge-10173	317	12	business	business	NOUN
ejge-10173	317	13	model	model	NOUN
ejge-10173	317	14	oriented	orient	VERB
ejge-10173	317	15	toward	toward	ADP
ejge-10173	317	16	digital	digital	ADJ
ejge-10173	317	17	technologies	technology	NOUN
ejge-10173	317	18	such	such	ADJ
ejge-10173	317	19	as	as	ADP
ejge-10173	317	20	mobile	mobile	ADJ
ejge-10173	317	21	internet	internet	NOUN
ejge-10173	317	22	,	,	PUNCT
ejge-10173	317	23	cloud	cloud	NOUN
ejge-10173	317	24	computing	computing	NOUN
ejge-10173	317	25	,	,	PUNCT
ejge-10173	317	26	big	big	ADJ
ejge-10173	317	27	data	datum	NOUN
ejge-10173	317	28	,	,	PUNCT
ejge-10173	317	29	internet	internet	NOUN
ejge-10173	317	30	of	of	ADP
ejge-10173	317	31	things	thing	NOUN
ejge-10173	317	32	,	,	PUNCT
ejge-10173	317	33	blockchain	blockchain	NOUN
ejge-10173	317	34	,	,	PUNCT
ejge-10173	317	35	and	and	CCONJ
ejge-10173	317	36	artificial	artificial	ADJ
ejge-10173	317	37	intelligence	intelligence	NOUN
ejge-10173	317	38	,	,	PUNCT
ejge-10173	317	39	to	to	PART
ejge-10173	317	40	promote	promote	VERB
ejge-10173	317	41	the	the	DET
ejge-10173	317	42	upgrading	upgrading	NOUN
ejge-10173	317	43	of	of	ADP
ejge-10173	317	44	several	several	ADJ
ejge-10173	317	45	industries	industry	NOUN
ejge-10173	317	46	in	in	ADP
ejge-10173	317	47	the	the	DET
ejge-10173	317	48	gvcs	gvcs	NOUN
ejge-10173	317	49	(	(	PUNCT
ejge-10173	317	50	kacani	kacani	PROPN
ejge-10173	317	51	&	&	CCONJ
ejge-10173	317	52	shaqiri	shaqiri	PROPN
ejge-10173	317	53	,	,	PUNCT
ejge-10173	317	54	2023	2023	NUM
ejge-10173	317	55	)	)	PUNCT
ejge-10173	317	56	.	.	PUNCT
ejge-10173	318	1	by	by	ADP
ejge-10173	318	2	working	work	VERB
ejge-10173	318	3	together	together	ADV
ejge-10173	318	4	in	in	ADP
ejge-10173	318	5	sustainable	sustainable	ADJ
ejge-10173	318	6	regional	regional	ADJ
ejge-10173	318	7	value	value	NOUN
ejge-10173	318	8	chains	chain	NOUN
ejge-10173	318	9	aiming	aim	VERB
ejge-10173	318	10	at	at	ADP
ejge-10173	318	11	making	make	VERB
ejge-10173	318	12	the	the	DET
ejge-10173	318	13	application	application	NOUN
ejge-10173	318	14	of	of	ADP
ejge-10173	318	15	fintech	fintech	NOUN
ejge-10173	318	16	solutions	solution	NOUN
ejge-10173	318	17	more	more	ADV
ejge-10173	318	18	common	common	ADJ
ejge-10173	318	19	enterprises	enterprise	NOUN
ejge-10173	318	20	will	will	AUX
ejge-10173	318	21	be	be	AUX
ejge-10173	318	22	able	able	ADJ
ejge-10173	318	23	to	to	PART
ejge-10173	318	24	increase	increase	VERB
ejge-10173	318	25	their	their	PRON
ejge-10173	318	26	competitiveness	competitiveness	NOUN
ejge-10173	318	27	toward	toward	ADP
ejge-10173	318	28	foreign	foreign	ADJ
ejge-10173	318	29	investment	investment	NOUN
ejge-10173	318	30	.	.	PUNCT
ejge-10173	319	1	the	the	DET
ejge-10173	319	2	increase	increase	NOUN
ejge-10173	319	3	in	in	ADP
ejge-10173	319	4	the	the	DET
ejge-10173	319	5	use	use	NOUN
ejge-10173	319	6	of	of	ADP
ejge-10173	319	7	fintech	fintech	NOUN
ejge-10173	319	8	solutions	solution	NOUN
ejge-10173	319	9	results	result	NOUN
ejge-10173	319	10	in	in	ADP
ejge-10173	319	11	more	more	ADV
ejge-10173	319	12	efficient	efficient	ADJ
ejge-10173	319	13	enterprises	enterprise	NOUN
ejge-10173	319	14	in	in	ADP
ejge-10173	319	15	the	the	DET
ejge-10173	319	16	western	western	ADJ
ejge-10173	319	17	balkan	balkan	X
ejge-10173	319	18	,	,	PUNCT
ejge-10173	319	19	thus	thus	ADV
ejge-10173	319	20	reducing	reduce	VERB
ejge-10173	319	21	transaction	transaction	NOUN
ejge-10173	319	22	costs	cost	NOUN
ejge-10173	319	23	,	,	PUNCT
ejge-10173	319	24	improving	improve	VERB
ejge-10173	319	25	service	service	NOUN
ejge-10173	319	26	delivery	delivery	NOUN
ejge-10173	319	27	,	,	PUNCT
ejge-10173	319	28	exporting	export	VERB
ejge-10173	319	29	to	to	ADP
ejge-10173	319	30	international	international	ADJ
ejge-10173	319	31	markets	market	NOUN
ejge-10173	319	32	,	,	PUNCT
ejge-10173	319	33	and	and	CCONJ
ejge-10173	319	34	upgrading	upgrade	VERB
ejge-10173	319	35	their	their	PRON
ejge-10173	319	36	participation	participation	NOUN
ejge-10173	319	37	in	in	ADP
ejge-10173	319	38	gvcs	gvcs	NOUN
ejge-10173	319	39	.	.	PUNCT
ejge-10173	320	1	even	even	ADV
ejge-10173	320	2	though	though	SCONJ
ejge-10173	320	3	several	several	ADJ
ejge-10173	320	4	western	western	ADJ
ejge-10173	320	5	balkan	balkan	ADJ
ejge-10173	320	6	countries	country	NOUN
ejge-10173	320	7	work	work	VERB
ejge-10173	320	8	together	together	ADV
ejge-10173	320	9	on	on	ADP
ejge-10173	320	10	fintech	fintech	NOUN
ejge-10173	320	11	projects	project	NOUN
ejge-10173	320	12	through	through	ADP
ejge-10173	320	13	the	the	DET
ejge-10173	320	14	european	european	ADJ
ejge-10173	320	15	integration	integration	NOUN
ejge-10173	320	16	process	process	NOUN
ejge-10173	320	17	,	,	PUNCT
ejge-10173	320	18	there	there	PRON
ejge-10173	320	19	is	be	VERB
ejge-10173	320	20	still	still	ADV
ejge-10173	320	21	room	room	NOUN
ejge-10173	320	22	for	for	SCONJ
ejge-10173	320	23	a	a	DET
ejge-10173	320	24	regional	regional	ADJ
ejge-10173	320	25	group	group	NOUN
ejge-10173	320	26	to	to	PART
ejge-10173	320	27	work	work	VERB
ejge-10173	320	28	together	together	ADV
ejge-10173	320	29	on	on	ADP
ejge-10173	320	30	fintechrelated	fintechrelated	ADJ
ejge-10173	320	31	regulations	regulation	NOUN
ejge-10173	320	32	.	.	PUNCT
ejge-10173	321	1	small	small	ADJ
ejge-10173	321	2	national	national	ADJ
ejge-10173	321	3	markets	market	NOUN
ejge-10173	321	4	,	,	PUNCT
ejge-10173	321	5	fragmented	fragment	VERB
ejge-10173	321	6	regulatory	regulatory	ADJ
ejge-10173	321	7	frameworks	framework	NOUN
ejge-10173	321	8	,	,	PUNCT
ejge-10173	321	9	and	and	CCONJ
ejge-10173	321	10	the	the	DET
ejge-10173	321	11	inability	inability	NOUN
ejge-10173	321	12	to	to	PART
ejge-10173	321	13	pass	pass	VERB
ejge-10173	321	14	licenses	license	NOUN
ejge-10173	321	15	to	to	ADP
ejge-10173	321	16	other	other	ADJ
ejge-10173	321	17	countries	country	NOUN
ejge-10173	321	18	are	be	AUX
ejge-10173	321	19	some	some	PRON
ejge-10173	321	20	of	of	ADP
ejge-10173	321	21	the	the	DET
ejge-10173	321	22	most	most	ADV
ejge-10173	321	23	common	common	ADJ
ejge-10173	321	24	remarks	remark	NOUN
ejge-10173	321	25	from	from	ADP
ejge-10173	321	26	industry	industry	NOUN
ejge-10173	321	27	participants	participant	NOUN
ejge-10173	321	28	.	.	PUNCT
ejge-10173	322	1	the	the	DET
ejge-10173	322	2	coordination	coordination	NOUN
ejge-10173	322	3	of	of	ADP
ejge-10173	322	4	her	her	PRON
ejge-10173	322	5	efforts	effort	NOUN
ejge-10173	322	6	would	would	AUX
ejge-10173	322	7	confer	confer	VERB
ejge-10173	322	8	an	an	DET
ejge-10173	322	9	additional	additional	ADJ
ejge-10173	322	10	advantage	advantage	NOUN
ejge-10173	322	11	by	by	ADP
ejge-10173	322	12	potentially	potentially	ADV
ejge-10173	322	13	enabling	enable	VERB
ejge-10173	322	14	fintech	fintech	NOUN
ejge-10173	322	15	’s	’s	NOUN
ejge-10173	322	16	to	to	PART
ejge-10173	322	17	offer	offer	VERB
ejge-10173	322	18	their	their	PRON
ejge-10173	322	19	services	service	NOUN
ejge-10173	322	20	beyond	beyond	ADP
ejge-10173	322	21	their	their	PRON
ejge-10173	322	22	domestic	domestic	ADJ
ejge-10173	322	23	markets	market	NOUN
ejge-10173	322	24	.	.	PUNCT
ejge-10173	323	1	moreover	moreover	ADV
ejge-10173	323	2	,	,	PUNCT
ejge-10173	323	3	the	the	DET
ejge-10173	323	4	protection	protection	NOUN
ejge-10173	323	5	of	of	ADP
ejge-10173	323	6	consumers	consumer	NOUN
ejge-10173	323	7	who	who	PRON
ejge-10173	323	8	utilize	utilize	VERB
ejge-10173	323	9	financial	financial	ADJ
ejge-10173	323	10	services	service	NOUN
ejge-10173	323	11	is	be	AUX
ejge-10173	323	12	rarely	rarely	ADV
ejge-10173	323	13	adapted	adapt	VERB
ejge-10173	323	14	to	to	ADP
ejge-10173	323	15	digital	digital	ADJ
ejge-10173	323	16	communication	communication	NOUN
ejge-10173	323	17	channels	channel	NOUN
ejge-10173	323	18	.	.	PUNCT
ejge-10173	324	1	the	the	DET
ejge-10173	324	2	recently	recently	ADV
ejge-10173	324	3	adopted	adopt	VERB
ejge-10173	324	4	law	law	NOUN
ejge-10173	324	5	on	on	ADP
ejge-10173	324	6	the	the	DET
ejge-10173	324	7	protection	protection	NOUN
ejge-10173	324	8	of	of	ADP
ejge-10173	324	9	financial	financial	ADJ
ejge-10173	324	10	service	service	NOUN
ejge-10173	324	11	consumers	consumer	NOUN
ejge-10173	324	12	in	in	ADP
ejge-10173	324	13	distance	distance	NOUN
ejge-10173	324	14	contracts	contract	NOUN
ejge-10173	324	15	in	in	ADP
ejge-10173	324	16	serbia	serbia	PROPN
ejge-10173	324	17	may	may	AUX
ejge-10173	324	18	serve	serve	VERB
ejge-10173	324	19	as	as	ADP
ejge-10173	324	20	a	a	DET
ejge-10173	324	21	valuable	valuable	ADJ
ejge-10173	324	22	model	model	NOUN
ejge-10173	324	23	for	for	ADP
ejge-10173	324	24	other	other	ADJ
ejge-10173	324	25	countries	country	NOUN
ejge-10173	324	26	in	in	ADP
ejge-10173	324	27	the	the	DET
ejge-10173	324	28	region	region	NOUN
ejge-10173	324	29	.	.	PUNCT
ejge-10173	325	1	several	several	ADJ
ejge-10173	325	2	reforms	reform	NOUN
ejge-10173	325	3	can	can	AUX
ejge-10173	325	4	be	be	AUX
ejge-10173	325	5	jointly	jointly	ADV
ejge-10173	325	6	implemented	implement	VERB
ejge-10173	325	7	,	,	PUNCT
ejge-10173	325	8	which	which	PRON
ejge-10173	325	9	include	include	VERB
ejge-10173	325	10	,	,	PUNCT
ejge-10173	325	11	among	among	ADP
ejge-10173	325	12	others	other	NOUN
ejge-10173	325	13	:	:	PUNCT
ejge-10173	325	14	•	•	X
ejge-10173	325	15	establish	establish	VERB
ejge-10173	325	16	a	a	DET
ejge-10173	325	17	point	point	NOUN
ejge-10173	325	18	of	of	ADP
ejge-10173	325	19	contact	contact	NOUN
ejge-10173	325	20	or	or	CCONJ
ejge-10173	325	21	innovation	innovation	NOUN
ejge-10173	325	22	hub	hub	NOUN
ejge-10173	325	23	within	within	ADP
ejge-10173	325	24	each	each	DET
ejge-10173	325	25	regulatory	regulatory	ADJ
ejge-10173	325	26	body	body	NOUN
ejge-10173	325	27	to	to	PART
ejge-10173	325	28	address	address	VERB
ejge-10173	325	29	fintech	fintech	NOUN
ejge-10173	325	30	-	-	PUNCT
ejge-10173	325	31	related	relate	VERB
ejge-10173	325	32	questions	question	NOUN
ejge-10173	325	33	about	about	ADP
ejge-10173	325	34	licensing	licensing	NOUN
ejge-10173	325	35	and	and	CCONJ
ejge-10173	325	36	clarification	clarification	NOUN
ejge-10173	325	37	.	.	PUNCT
ejge-10173	326	1	•	•	NUM
ejge-10173	326	2	raise	raise	VERB
ejge-10173	326	3	awareness	awareness	NOUN
ejge-10173	326	4	of	of	ADP
ejge-10173	326	5	fintech	fintech	NOUN
ejge-10173	326	6	opportunities	opportunity	NOUN
ejge-10173	326	7	,	,	PUNCT
ejge-10173	326	8	and	and	CCONJ
ejge-10173	326	9	facilitate	facilitate	NOUN
ejge-10173	326	10	discussion	discussion	NOUN
ejge-10173	326	11	forums	forum	NOUN
ejge-10173	326	12	,	,	PUNCT
ejge-10173	326	13	conferences	conference	NOUN
ejge-10173	326	14	,	,	PUNCT
ejge-10173	326	15	or	or	CCONJ
ejge-10173	326	16	roundtables	roundtable	NOUN
ejge-10173	326	17	with	with	ADP
ejge-10173	326	18	relevant	relevant	ADJ
ejge-10173	326	19	industry	industry	NOUN
ejge-10173	326	20	and	and	CCONJ
ejge-10173	326	21	consumer	consumer	NOUN
ejge-10173	326	22	stakeholders	stakeholder	NOUN
ejge-10173	326	23	.	.	PUNCT
ejge-10173	327	1	•	•	NUM
ejge-10173	327	2	establish	establish	VERB
ejge-10173	327	3	a	a	DET
ejge-10173	327	4	regulatory	regulatory	ADJ
ejge-10173	327	5	sandbox	sandbox	NOUN
ejge-10173	327	6	or	or	CCONJ
ejge-10173	327	7	innovation	innovation	NOUN
ejge-10173	327	8	center	center	NOUN
ejge-10173	327	9	in	in	ADP
ejge-10173	327	10	every	every	DET
ejge-10173	327	11	country	country	NOUN
ejge-10173	327	12	of	of	ADP
ejge-10173	327	13	the	the	DET
ejge-10173	327	14	region	region	NOUN
ejge-10173	327	15	within	within	ADP
ejge-10173	327	16	the	the	DET
ejge-10173	327	17	financial	financial	ADJ
ejge-10173	327	18	oversight	oversight	NOUN
ejge-10173	327	19	bodies	body	NOUN
ejge-10173	327	20	to	to	PART
ejge-10173	327	21	allow	allow	VERB
ejge-10173	327	22	fintech	fintech	NOUN
ejge-10173	327	23	enterprises	enterprise	NOUN
ejge-10173	327	24	and	and	CCONJ
ejge-10173	327	25	systems	system	NOUN
ejge-10173	327	26	to	to	PART
ejge-10173	327	27	flourish	flourish	VERB
ejge-10173	327	28	in	in	ADP
ejge-10173	327	29	a	a	DET
ejge-10173	327	30	controlled	control	VERB
ejge-10173	327	31	testing	testing	NOUN
ejge-10173	327	32	environment	environment	NOUN
ejge-10173	327	33	.	.	PUNCT
ejge-10173	328	1	•	•	NUM
ejge-10173	328	2	join	join	VERB
ejge-10173	328	3	forces	force	NOUN
ejge-10173	328	4	among	among	ADP
ejge-10173	328	5	regulators	regulator	NOUN
ejge-10173	328	6	from	from	ADP
ejge-10173	328	7	different	different	ADJ
ejge-10173	328	8	authorities	authority	NOUN
ejge-10173	328	9	in	in	ADP
ejge-10173	328	10	each	each	DET
ejge-10173	328	11	country	country	NOUN
ejge-10173	328	12	in	in	ADP
ejge-10173	328	13	the	the	DET
ejge-10173	328	14	western	western	ADJ
ejge-10173	328	15	balkans	balkans	PROPN
ejge-10173	328	16	for	for	ADP
ejge-10173	328	17	capacity	capacity	NOUN
ejge-10173	328	18	-	-	PUNCT
ejge-10173	328	19	building	building	NOUN
ejge-10173	328	20	and	and	CCONJ
ejge-10173	328	21	training	training	NOUN
ejge-10173	328	22	to	to	PART
ejge-10173	328	23	establish	establish	VERB
ejge-10173	328	24	a	a	DET
ejge-10173	328	25	common	common	ADJ
ejge-10173	328	26	understanding	understanding	NOUN
ejge-10173	328	27	of	of	ADP
ejge-10173	328	28	fintech	fintech	NOUN
ejge-10173	328	29	and	and	CCONJ
ejge-10173	328	30	promote	promote	VERB
ejge-10173	328	31	cross	cross	ADJ
ejge-10173	328	32	-	-	ADJ
ejge-10173	328	33	border	border	ADJ
ejge-10173	328	34	interaction	interaction	NOUN
ejge-10173	328	35	and	and	CCONJ
ejge-10173	328	36	engagement	engagement	NOUN
ejge-10173	328	37	in	in	ADP
ejge-10173	328	38	this	this	DET
ejge-10173	328	39	field	field	NOUN
ejge-10173	328	40	.	.	PUNCT
ejge-10173	329	1	•	•	NUM
ejge-10173	329	2	collect	collect	VERB
ejge-10173	329	3	information	information	NOUN
ejge-10173	329	4	about	about	ADP
ejge-10173	329	5	how	how	SCONJ
ejge-10173	329	6	customers	customer	NOUN
ejge-10173	329	7	use	use	VERB
ejge-10173	329	8	bank	bank	NOUN
ejge-10173	329	9	and	and	CCONJ
ejge-10173	329	10	non	non	ADJ
ejge-10173	329	11	-	-	ADJ
ejge-10173	329	12	bank	bank	ADJ
ejge-10173	329	13	financial	financial	ADJ
ejge-10173	329	14	services	service	NOUN
ejge-10173	329	15	and	and	CCONJ
ejge-10173	329	16	important	important	ADJ
ejge-10173	329	17	signs	sign	NOUN
ejge-10173	329	18	of	of	ADP
ejge-10173	329	19	how	how	SCONJ
ejge-10173	329	20	the	the	DET
ejge-10173	329	21	fintech	fintech	NOUN
ejge-10173	329	22	market	market	NOUN
ejge-10173	329	23	is	be	AUX
ejge-10173	329	24	changing	change	VERB
ejge-10173	329	25	.	.	PUNCT
ejge-10173	330	1	this	this	PRON
ejge-10173	330	2	will	will	AUX
ejge-10173	330	3	help	help	VERB
ejge-10173	330	4	industry	industry	NOUN
ejge-10173	330	5	and	and	CCONJ
ejge-10173	330	6	regulators	regulator	NOUN
ejge-10173	330	7	talk	talk	VERB
ejge-10173	330	8	and	and	CCONJ
ejge-10173	330	9	understand	understand	VERB
ejge-10173	330	10	each	each	DET
ejge-10173	330	11	other	other	ADJ
ejge-10173	330	12	better	well	ADJ
ejge-10173	330	13	.	.	PUNCT
ejge-10173	331	1	•	•	INTJ
ejge-10173	331	2	revise	revise	VERB
ejge-10173	331	3	the	the	DET
ejge-10173	331	4	payment	payment	NOUN
ejge-10173	331	5	system	system	NOUN
ejge-10173	331	6	regulations	regulation	NOUN
ejge-10173	331	7	are	be	AUX
ejge-10173	331	8	needed	need	VERB
ejge-10173	331	9	to	to	PART
ejge-10173	331	10	ensure	ensure	VERB
ejge-10173	331	11	and	and	CCONJ
ejge-10173	331	12	facilitate	facilitate	VERB
ejge-10173	331	13	the	the	DET
ejge-10173	331	14	availability	availability	NOUN
ejge-10173	331	15	of	of	ADP
ejge-10173	331	16	payment	payment	NOUN
ejge-10173	331	17	systems	system	NOUN
ejge-10173	331	18	to	to	ADP
ejge-10173	331	19	non	non	ADJ
ejge-10173	331	20	-	-	ADJ
ejge-10173	331	21	bank	bank	ADJ
ejge-10173	331	22	financial	financial	ADJ
ejge-10173	331	23	service	service	NOUN
ejge-10173	331	24	providers	provider	NOUN
ejge-10173	331	25	.	.	PUNCT
ejge-10173	332	1	•	•	NUM
ejge-10173	332	2	assess	assess	VERB
ejge-10173	332	3	the	the	DET
ejge-10173	332	4	highly	highly	ADV
ejge-10173	332	5	challenging	challenging	ADJ
ejge-10173	332	6	prospect	prospect	NOUN
ejge-10173	332	7	of	of	ADP
ejge-10173	332	8	establishing	establish	VERB
ejge-10173	332	9	a	a	DET
ejge-10173	332	10	regional	regional	ADJ
ejge-10173	332	11	regulatory	regulatory	ADJ
ejge-10173	332	12	sandbox	sandbox	NOUN
ejge-10173	332	13	,	,	PUNCT
ejge-10173	332	14	to	to	PART
ejge-10173	332	15	enable	enable	VERB
ejge-10173	332	16	innovative	innovative	ADJ
ejge-10173	332	17	regional	regional	ADJ
ejge-10173	332	18	fintech	fintech	NOUN
ejge-10173	332	19	solutions	solution	NOUN
ejge-10173	332	20	to	to	PART
ejge-10173	332	21	attain	attain	VERB
ejge-10173	332	22	crucial	crucial	ADJ
ejge-10173	332	23	economies	economy	NOUN
ejge-10173	332	24	of	of	ADP
ejge-10173	332	25	scale	scale	NOUN
ejge-10173	332	26	across	across	ADP
ejge-10173	332	27	borders	border	NOUN
ejge-10173	332	28	.	.	PUNCT
ejge-10173	333	1	to	to	PART
ejge-10173	333	2	fully	fully	ADV
ejge-10173	333	3	exploit	exploit	VERB
ejge-10173	333	4	these	these	DET
ejge-10173	333	5	prospects	prospect	NOUN
ejge-10173	333	6	,	,	PUNCT
ejge-10173	333	7	regulators	regulator	NOUN
ejge-10173	333	8	,	,	PUNCT
ejge-10173	333	9	providers	provider	NOUN
ejge-10173	333	10	,	,	PUNCT
ejge-10173	333	11	and	and	CCONJ
ejge-10173	333	12	governments	government	NOUN
ejge-10173	333	13	in	in	ADP
ejge-10173	333	14	the	the	DET
ejge-10173	333	15	western	western	ADJ
ejge-10173	333	16	balkans	balkans	PROPN
ejge-10173	333	17	must	must	AUX
ejge-10173	333	18	unite	unite	VERB
ejge-10173	333	19	and	and	CCONJ
ejge-10173	333	20	implement	implement	VERB
ejge-10173	333	21	the	the	DET
ejge-10173	333	22	requisite	requisite	ADJ
ejge-10173	333	23	reforms	reform	NOUN
ejge-10173	333	24	.	.	PUNCT
ejge-10173	334	1	adopting	adopt	VERB
ejge-10173	334	2	modernization	modernization	NOUN
ejge-10173	334	3	and	and	CCONJ
ejge-10173	334	4	encouraging	encourage	VERB
ejge-10173	334	5	cooperation	cooperation	NOUN
ejge-10173	334	6	,	,	PUNCT
ejge-10173	334	7	222	222	NUM
ejge-10173	334	8	gentjan	gentjan	NOUN
ejge-10173	334	9	shaquiri	shaquiri	PROPN
ejge-10173	334	10	et	et	PROPN
ejge-10173	334	11	al	al	PROPN
ejge-10173	334	12	.	.	PUNCT
ejge-10173	335	1	the	the	DET
ejge-10173	335	2	economies	economy	NOUN
ejge-10173	335	3	of	of	ADP
ejge-10173	335	4	the	the	DET
ejge-10173	335	5	western	western	ADJ
ejge-10173	335	6	balkans	balkans	PROPN
ejge-10173	335	7	can	can	AUX
ejge-10173	335	8	broaden	broaden	VERB
ejge-10173	335	9	the	the	DET
ejge-10173	335	10	range	range	NOUN
ejge-10173	335	11	of	of	ADP
ejge-10173	335	12	goods	good	NOUN
ejge-10173	335	13	and	and	CCONJ
ejge-10173	335	14	services	service	NOUN
ejge-10173	335	15	offered	offer	VERB
ejge-10173	335	16	to	to	PART
ejge-10173	335	17	end	end	VERB
ejge-10173	335	18	consumers	consumer	NOUN
ejge-10173	335	19	,	,	PUNCT
ejge-10173	335	20	ultimately	ultimately	ADV
ejge-10173	335	21	positioning	position	VERB
ejge-10173	335	22	the	the	DET
ejge-10173	335	23	region	region	NOUN
ejge-10173	335	24	as	as	ADP
ejge-10173	335	25	an	an	DET
ejge-10173	335	26	active	active	ADJ
ejge-10173	335	27	and	and	CCONJ
ejge-10173	335	28	spirited	spirited	ADJ
ejge-10173	335	29	contender	contender	NOUN
ejge-10173	335	30	in	in	ADP
ejge-10173	335	31	the	the	DET
ejge-10173	335	32	european	european	ADJ
ejge-10173	335	33	financial	financial	ADJ
ejge-10173	335	34	landscape	landscape	NOUN
ejge-10173	335	35	,	,	PUNCT
ejge-10173	335	36	thus	thus	ADV
ejge-10173	335	37	creating	create	VERB
ejge-10173	335	38	a	a	DET
ejge-10173	335	39	sustainable	sustainable	ADJ
ejge-10173	335	40	regional	regional	ADJ
ejge-10173	335	41	value	value	NOUN
ejge-10173	335	42	chain	chain	NOUN
ejge-10173	335	43	that	that	PRON
ejge-10173	335	44	could	could	AUX
ejge-10173	335	45	be	be	AUX
ejge-10173	335	46	easily	easily	ADV
ejge-10173	335	47	fully	fully	ADV
ejge-10173	335	48	incorporated	incorporate	VERB
ejge-10173	335	49	into	into	ADP
ejge-10173	335	50	gvcs	gvcs	NOUN
ejge-10173	335	51	.	.	PUNCT
ejge-10173	336	1	references	reference	NOUN
ejge-10173	336	2	abou	abou	ADV
ejge-10173	336	3	-	-	PUNCT
ejge-10173	336	4	foul	foul	ADJ
ejge-10173	336	5	,	,	PUNCT
ejge-10173	336	6	m.	m.	NOUN
ejge-10173	336	7	,	,	PUNCT
ejge-10173	336	8	ruiz	ruiz	NOUN
ejge-10173	336	9	-	-	PUNCT
ejge-10173	336	10	alba	alba	PROPN
ejge-10173	336	11	,	,	PUNCT
ejge-10173	336	12	j.l	j.l	PROPN
ejge-10173	336	13	.	.	PROPN
ejge-10173	336	14	&	&	CCONJ
ejge-10173	336	15	soares	soares	PROPN
ejge-10173	336	16	,	,	PUNCT
ejge-10173	336	17	a.	a.	NOUN
ejge-10173	336	18	(	(	PUNCT
ejge-10173	336	19	2021	2021	NUM
ejge-10173	336	20	)	)	PUNCT
ejge-10173	336	21	.	.	PUNCT
ejge-10173	337	1	the	the	DET
ejge-10173	337	2	impact	impact	NOUN
ejge-10173	337	3	of	of	ADP
ejge-10173	337	4	digitalization	digitalization	NOUN
ejge-10173	337	5	and	and	CCONJ
ejge-10173	337	6	servitization	servitization	NOUN
ejge-10173	337	7	on	on	ADP
ejge-10173	337	8	the	the	DET
ejge-10173	337	9	financial	financial	ADJ
ejge-10173	337	10	performance	performance	NOUN
ejge-10173	337	11	of	of	ADP
ejge-10173	337	12	a	a	DET
ejge-10173	337	13	firm	firm	NOUN
ejge-10173	337	14	:	:	PUNCT
ejge-10173	337	15	an	an	DET
ejge-10173	337	16	empirical	empirical	ADJ
ejge-10173	337	17	analysis	analysis	NOUN
ejge-10173	337	18	.	.	PUNCT
ejge-10173	338	1	production	production	NOUN
ejge-10173	338	2	planning	planning	NOUN
ejge-10173	338	3	and	and	CCONJ
ejge-10173	338	4	control	control	NOUN
ejge-10173	338	5	,	,	PUNCT
ejge-10173	338	6	32	32	NUM
ejge-10173	338	7	(	(	PUNCT
ejge-10173	338	8	12	12	NUM
ejge-10173	338	9	)	)	PUNCT
ejge-10173	338	10	,	,	PUNCT
ejge-10173	338	11	975	975	NUM
ejge-10173	338	12	-	-	SYM
ejge-10173	338	13	989	989	NUM
ejge-10173	338	14	.	.	PUNCT
ejge-10173	339	1	https://doi.org/10.1080/09537287.2020.1780508	https://doi.org/10.1080/09537287.2020.1780508	PROPN
ejge-10173	339	2	adeleye	adeleye	NOUN
ejge-10173	339	3	,	,	PUNCT
ejge-10173	339	4	b.n	b.n	PROPN
ejge-10173	339	5	.	.	PROPN
ejge-10173	339	6	,	,	PUNCT
ejge-10173	339	7	adedoyin	adedoyin	PROPN
ejge-10173	339	8	,	,	PUNCT
ejge-10173	339	9	f.	f.	PROPN
ejge-10173	339	10	&	&	CCONJ
ejge-10173	339	11	nathaniel	nathaniel	PROPN
ejge-10173	339	12	,	,	PUNCT
ejge-10173	339	13	s.	s.	PROPN
ejge-10173	339	14	(	(	PUNCT
ejge-10173	339	15	2021	2021	NUM
ejge-10173	339	16	)	)	PUNCT
ejge-10173	339	17	.	.	PUNCT
ejge-10173	340	1	the	the	DET
ejge-10173	340	2	criticality	criticality	NOUN
ejge-10173	340	3	of	of	ADP
ejge-10173	340	4	ict	ict	PROPN
ejge-10173	340	5	trade	trade	NOUN
ejge-10173	340	6	nexus	nexus	NOUN
ejge-10173	340	7	on	on	ADP
ejge-10173	340	8	economic	economic	ADJ
ejge-10173	340	9	and	and	CCONJ
ejge-10173	340	10	inclusive	inclusive	ADJ
ejge-10173	340	11	growth	growth	NOUN
ejge-10173	340	12	.	.	PUNCT
ejge-10173	341	1	information	information	NOUN
ejge-10173	341	2	technology	technology	NOUN
ejge-10173	341	3	for	for	ADP
ejge-10173	341	4	development	development	NOUN
ejge-10173	341	5	,	,	PUNCT
ejge-10173	341	6	27	27	NUM
ejge-10173	341	7	(	(	PUNCT
ejge-10173	341	8	2	2	NUM
ejge-10173	341	9	)	)	PUNCT
ejge-10173	341	10	,	,	PUNCT
ejge-10173	341	11	293	293	NUM
ejge-10173	341	12	-	-	SYM
ejge-10173	341	13	313	313	NUM
ejge-10173	341	14	.	.	PUNCT
ejge-10173	342	1	https://doi.org/10.1080/02681102.2020.1840323	https://doi.org/10.1080/02681102.2020.1840323	PROPN
ejge-10173	342	2	antonucci	antonucci	PROPN
ejge-10173	342	3	,	,	PUNCT
ejge-10173	342	4	y.l	y.l	PROPN
ejge-10173	342	5	.	.	PROPN
ejge-10173	342	6	,	,	PUNCT
ejge-10173	342	7	fortune	fortune	PROPN
ejge-10173	342	8	,	,	PUNCT
ejge-10173	342	9	a.	a.	PROPN
ejge-10173	342	10	&	&	CCONJ
ejge-10173	342	11	kirchmer	kirchmer	PROPN
ejge-10173	342	12	,	,	PUNCT
ejge-10173	342	13	m.	m.	NOUN
ejge-10173	342	14	(	(	PUNCT
ejge-10173	342	15	2021	2021	NUM
ejge-10173	342	16	)	)	PUNCT
ejge-10173	342	17	.	.	PUNCT
ejge-10173	343	1	an	an	DET
ejge-10173	343	2	examination	examination	NOUN
ejge-10173	343	3	of	of	ADP
ejge-10173	343	4	associations	association	NOUN
ejge-10173	343	5	between	between	ADP
ejge-10173	343	6	business	business	NOUN
ejge-10173	343	7	process	process	NOUN
ejge-10173	343	8	management	management	NOUN
ejge-10173	343	9	capabilities	capability	NOUN
ejge-10173	343	10	and	and	CCONJ
ejge-10173	343	11	the	the	DET
ejge-10173	343	12	benefits	benefit	NOUN
ejge-10173	343	13	of	of	ADP
ejge-10173	343	14	digitalization	digitalization	NOUN
ejge-10173	343	15	:	:	PUNCT
ejge-10173	343	16	all	all	DET
ejge-10173	343	17	capabilities	capability	NOUN
ejge-10173	343	18	are	be	AUX
ejge-10173	343	19	not	not	PART
ejge-10173	343	20	equal	equal	ADJ
ejge-10173	343	21	.	.	PUNCT
ejge-10173	344	1	business	business	NOUN
ejge-10173	344	2	processes	process	NOUN
ejge-10173	344	3	management	management	NOUN
ejge-10173	344	4	journal	journal	NOUN
ejge-10173	344	5	,	,	PUNCT
ejge-10173	344	6	27	27	NUM
ejge-10173	344	7	(	(	PUNCT
ejge-10173	344	8	1	1	NUM
ejge-10173	344	9	)	)	PUNCT
ejge-10173	344	10	124	124	NUM
ejge-10173	344	11	-	-	SYM
ejge-10173	344	12	144	144	NUM
ejge-10173	344	13	.	.	PUNCT
ejge-10173	345	1	arrfelt	arrfelt	PROPN
ejge-10173	345	2	,	,	PUNCT
ejge-10173	345	3	m.	m.	NOUN
ejge-10173	345	4	,	,	PUNCT
ejge-10173	345	5	mannor	mannor	NOUN
ejge-10173	345	6	,	,	PUNCT
ejge-10173	345	7	m.	m.	NOUN
ejge-10173	345	8	,	,	PUNCT
ejge-10173	345	9	nahrgang	nahrgang	PROPN
ejge-10173	345	10	,	,	PUNCT
ejge-10173	345	11	j.d	j.d	PROPN
ejge-10173	345	12	.	.	PROPN
ejge-10173	345	13	&	&	CCONJ
ejge-10173	345	14	christensen	christensen	PROPN
ejge-10173	345	15	,	,	PUNCT
ejge-10173	345	16	a.l	a.l	PROPN
ejge-10173	345	17	.	.	PROPN
ejge-10173	346	1	(	(	PUNCT
ejge-10173	346	2	2018	2018	NUM
ejge-10173	346	3	)	)	PUNCT
ejge-10173	346	4	.	.	PUNCT
ejge-10173	347	1	all	all	DET
ejge-10173	347	2	risk	risk	NOUN
ejge-10173	347	3	-	-	PUNCT
ejge-10173	347	4	taking	taking	NOUN
ejge-10173	347	5	is	be	AUX
ejge-10173	347	6	not	not	PART
ejge-10173	347	7	the	the	DET
ejge-10173	347	8	same	same	ADJ
ejge-10173	347	9	:	:	PUNCT
ejge-10173	347	10	examining	examine	VERB
ejge-10173	347	11	the	the	DET
ejge-10173	347	12	competing	compete	VERB
ejge-10173	347	13	effects	effect	NOUN
ejge-10173	347	14	of	of	ADP
ejge-10173	347	15	firm	firm	ADJ
ejge-10173	347	16	risk	risk	NOUN
ejge-10173	347	17	-	-	PUNCT
ejge-10173	347	18	taking	taking	NOUN
ejge-10173	347	19	with	with	ADP
ejge-10173	347	20	meta	meta	ADJ
ejge-10173	347	21	-	-	PUNCT
ejge-10173	347	22	analysis	analysis	NOUN
ejge-10173	347	23	.	.	PUNCT
ejge-10173	348	1	review	review	NOUN
ejge-10173	348	2	of	of	ADP
ejge-10173	348	3	managerial	managerial	ADJ
ejge-10173	348	4	science	science	NOUN
ejge-10173	348	5	,	,	PUNCT
ejge-10173	348	6	12	12	NUM
ejge-10173	348	7	,	,	PUNCT
ejge-10173	348	8	621	621	NUM
ejge-10173	348	9	-	-	SYM
ejge-10173	348	10	60	60	NUM
ejge-10173	348	11	.	.	PUNCT
ejge-10173	349	1	https://doi.org/10.1007/s11846-016-0225-9	https://doi.org/10.1007/s11846-016-0225-9	NUM
ejge-10173	349	2	avom	avom	NOUN
ejge-10173	349	3	,	,	PUNCT
ejge-10173	349	4	d.	d.	PROPN
ejge-10173	349	5	,	,	PUNCT
ejge-10173	349	6	dadegnon	dadegnon	PROPN
ejge-10173	349	7	,	,	PUNCT
ejge-10173	349	8	a.k	a.k	PROPN
ejge-10173	349	9	.	.	PROPN
ejge-10173	349	10	&	&	CCONJ
ejge-10173	349	11	igue	igue	PROPN
ejge-10173	349	12	,	,	PUNCT
ejge-10173	349	13	c.b	c.b	PROPN
ejge-10173	349	14	.	.	PROPN
ejge-10173	349	15	(	(	PUNCT
ejge-10173	349	16	2021	2021	NUM
ejge-10173	349	17	)	)	PUNCT
ejge-10173	349	18	.	.	PUNCT
ejge-10173	350	1	does	do	AUX
ejge-10173	350	2	digitalization	digitalization	NOUN
ejge-10173	350	3	promote	promote	VERB
ejge-10173	350	4	net	net	ADJ
ejge-10173	350	5	job	job	NOUN
ejge-10173	350	6	creation	creation	NOUN
ejge-10173	350	7	?	?	PUNCT
ejge-10173	351	1	empirical	empirical	ADJ
ejge-10173	351	2	evidence	evidence	NOUN
ejge-10173	351	3	from	from	ADP
ejge-10173	351	4	waemu	waemu	PROPN
ejge-10173	351	5	countries	country	NOUN
ejge-10173	351	6	.	.	PUNCT
ejge-10173	352	1	telecommunications	telecommunication	NOUN
ejge-10173	352	2	policy	policy	NOUN
ejge-10173	352	3	,	,	PUNCT
ejge-10173	352	4	45	45	NUM
ejge-10173	352	5	(	(	PUNCT
ejge-10173	352	6	8)	8)	NUM
ejge-10173	352	7	,	,	PUNCT
ejge-10173	352	8	1	1	NUM
ejge-10173	352	9	-	-	SYM
ejge-10173	352	10	17	17	NUM
ejge-10173	352	11	.	.	PUNCT
ejge-10173	353	1	https://doi.org/10.1016/j.telpol.2021.102215	https://doi.org/10.1016/j.telpol.2021.102215	PROPN
ejge-10173	353	2	banga	banga	PROPN
ejge-10173	353	3	,	,	PUNCT
ejge-10173	353	4	k.	k.	PROPN
ejge-10173	353	5	(	(	PUNCT
ejge-10173	353	6	2020	2020	NUM
ejge-10173	353	7	)	)	PUNCT
ejge-10173	353	8	.	.	PUNCT
ejge-10173	354	1	digital	digital	ADJ
ejge-10173	354	2	technologies	technology	NOUN
ejge-10173	354	3	and	and	CCONJ
ejge-10173	354	4	product	product	NOUN
ejge-10173	354	5	upgrading	upgrade	VERB
ejge-10173	354	6	in	in	ADP
ejge-10173	354	7	global	global	ADJ
ejge-10173	354	8	value	value	NOUN
ejge-10173	354	9	chains	chain	NOUN
ejge-10173	354	10	:	:	PUNCT
ejge-10173	354	11	empirical	empirical	ADJ
ejge-10173	354	12	evidence	evidence	NOUN
ejge-10173	354	13	from	from	ADP
ejge-10173	354	14	indian	indian	ADJ
ejge-10173	354	15	manufacturing	manufacturing	NOUN
ejge-10173	354	16	firms	firm	NOUN
ejge-10173	354	17	.	.	PUNCT
ejge-10173	355	1	the	the	DET
ejge-10173	355	2	european	european	PROPN
ejge-10173	355	3	journal	journal	PROPN
ejge-10173	355	4	of	of	ADP
ejge-10173	355	5	development	development	PROPN
ejge-10173	355	6	research	research	NOUN
ejge-10173	355	7	,	,	PUNCT
ejge-10173	355	8	34	34	NUM
ejge-10173	355	9	,	,	PUNCT
ejge-10173	355	10	77	77	NUM
ejge-10173	355	11	-	-	SYM
ejge-10173	355	12	102	102	NUM
ejge-10173	355	13	.	.	PUNCT
ejge-10173	356	1	https://doi.org/10.1057/s41287-020-00357-x	https://doi.org/10.1057/s41287-020-00357-x	PROPN
ejge-10173	356	2	caputo	caputo	PROPN
ejge-10173	356	3	,	,	PUNCT
ejge-10173	356	4	a.	a.	PROPN
ejge-10173	356	5	,	,	PUNCT
ejge-10173	356	6	pizzi	pizzi	PROPN
ejge-10173	356	7	,	,	PUNCT
ejge-10173	356	8	s.	s.	PROPN
ejge-10173	356	9	,	,	PUNCT
ejge-10173	356	10	pellegrini	pellegrini	PROPN
ejge-10173	356	11	,	,	PUNCT
ejge-10173	356	12	m.	m.	NOUN
ejge-10173	356	13	m.	m.	PROPN
ejge-10173	356	14	&	&	CCONJ
ejge-10173	356	15	dabic	dabic	PROPN
ejge-10173	356	16	,	,	PUNCT
ejge-10173	356	17	m.	m.	NOUN
ejge-10173	356	18	(	(	PUNCT
ejge-10173	356	19	2021	2021	NUM
ejge-10173	356	20	)	)	PUNCT
ejge-10173	356	21	.	.	PUNCT
ejge-10173	357	1	digitalization	digitalization	NOUN
ejge-10173	357	2	and	and	CCONJ
ejge-10173	357	3	business	business	NOUN
ejge-10173	357	4	models	model	NOUN
ejge-10173	357	5	:	:	PUNCT
ejge-10173	357	6	where	where	SCONJ
ejge-10173	357	7	are	be	AUX
ejge-10173	357	8	we	we	PRON
ejge-10173	357	9	going	go	VERB
ejge-10173	357	10	?	?	PUNCT
ejge-10173	358	1	a	a	DET
ejge-10173	358	2	science	science	NOUN
ejge-10173	358	3	map	map	NOUN
ejge-10173	358	4	of	of	ADP
ejge-10173	358	5	the	the	DET
ejge-10173	358	6	field	field	NOUN
ejge-10173	358	7	.	.	PUNCT
ejge-10173	359	1	journal	journal	NOUN
ejge-10173	359	2	of	of	ADP
ejge-10173	359	3	business	business	NOUN
ejge-10173	359	4	research	research	NOUN
ejge-10173	359	5	,	,	PUNCT
ejge-10173	359	6	123	123	NUM
ejge-10173	359	7	,	,	PUNCT
ejge-10173	359	8	489	489	NUM
ejge-10173	359	9	-	-	SYM
ejge-10173	359	10	501	501	NUM
ejge-10173	359	11	.	.	PUNCT
ejge-10173	360	1	https://doi.org/10.1016/j.jbusres.2020.09.053	https://doi.org/10.1016/j.jbusres.2020.09.053	PROPN
ejge-10173	360	2	demirgüç	demirgüç	PROPN
ejge-10173	360	3	-	-	PUNCT
ejge-10173	360	4	kunt	kunt	PROPN
ejge-10173	360	5	,	,	PUNCT
ejge-10173	360	6	a.	a.	PROPN
ejge-10173	360	7	,	,	PUNCT
ejge-10173	360	8	klapper	klapper	PROPN
ejge-10173	360	9	,	,	PUNCT
ejge-10173	360	10	l.	l.	PROPN
ejge-10173	360	11	,	,	PUNCT
ejge-10173	360	12	singer	singer	NOUN
ejge-10173	360	13	,	,	PUNCT
ejge-10173	360	14	d.	d.	PROPN
ejge-10173	360	15	,	,	PUNCT
ejge-10173	360	16	&	&	CCONJ
ejge-10173	360	17	ansar	ansar	PROPN
ejge-10173	360	18	,	,	PUNCT
ejge-10173	360	19	s.	s.	PROPN
ejge-10173	360	20	(	(	PUNCT
ejge-10173	360	21	2022	2022	NUM
ejge-10173	360	22	)	)	PUNCT
ejge-10173	360	23	.	.	PUNCT
ejge-10173	361	1	the	the	DET
ejge-10173	361	2	global	global	ADJ
ejge-10173	361	3	findex	findex	PROPN
ejge-10173	361	4	database	database	NOUN
ejge-10173	361	5	2021	2021	NUM
ejge-10173	361	6	:	:	PUNCT
ejge-10173	361	7	financial	financial	ADJ
ejge-10173	361	8	inclusion	inclusion	NOUN
ejge-10173	361	9	,	,	PUNCT
ejge-10173	361	10	digital	digital	ADJ
ejge-10173	361	11	payments	payment	NOUN
ejge-10173	361	12	,	,	PUNCT
ejge-10173	361	13	and	and	CCONJ
ejge-10173	361	14	resilience	resilience	NOUN
ejge-10173	361	15	in	in	ADP
ejge-10173	361	16	the	the	DET
ejge-10173	361	17	age	age	NOUN
ejge-10173	361	18	of	of	ADP
ejge-10173	361	19	covid-19	covid-19	PROPN
ejge-10173	361	20	.	.	PUNCT
ejge-10173	361	21	washington	washington	PROPN
ejge-10173	361	22	,	,	PUNCT
ejge-10173	361	23	dc	dc	PROPN
ejge-10173	361	24	:	:	PUNCT
ejge-10173	361	25	world	world	PROPN
ejge-10173	361	26	bank	bank	PROPN
ejge-10173	361	27	.	.	PUNCT
ejge-10173	362	1	dünhaupt	dünhaupt	PROPN
ejge-10173	362	2	,	,	PUNCT
ejge-10173	362	3	p.	p.	PROPN
ejge-10173	362	4	&	&	CCONJ
ejge-10173	362	5	herr	herr	PROPN
ejge-10173	362	6	,	,	PUNCT
ejge-10173	362	7	h.	h.	PROPN
ejge-10173	362	8	(	(	PUNCT
ejge-10173	362	9	2021	2021	NUM
ejge-10173	362	10	)	)	PUNCT
ejge-10173	362	11	.	.	PUNCT
ejge-10173	363	1	global	global	ADJ
ejge-10173	363	2	value	value	NOUN
ejge-10173	363	3	chains	chain	NOUN
ejge-10173	363	4	-	-	PUNCT
ejge-10173	363	5	a	a	DET
ejge-10173	363	6	ladder	ladder	NOUN
ejge-10173	363	7	for	for	ADP
ejge-10173	363	8	development	development	NOUN
ejge-10173	363	9	?	?	PUNCT
ejge-10173	364	1	international	international	ADJ
ejge-10173	364	2	review	review	NOUN
ejge-10173	364	3	of	of	ADP
ejge-10173	364	4	applied	applied	ADJ
ejge-10173	364	5	economics	economic	NOUN
ejge-10173	364	6	,	,	PUNCT
ejge-10173	364	7	35	35	NUM
ejge-10173	364	8	(	(	PUNCT
ejge-10173	364	9	4	4	NUM
ejge-10173	364	10	)	)	PUNCT
ejge-10173	364	11	,	,	PUNCT
ejge-10173	364	12	456	456	NUM
ejge-10173	364	13	-	-	SYM
ejge-10173	364	14	474	474	NUM
ejge-10173	364	15	.	.	PUNCT
ejge-10173	365	1	https://doi.org/10.1080/02692171.2020.1815665	https://doi.org/10.1080/02692171.2020.1815665	PROPN
ejge-10173	365	2	egwuonwu	egwuonwu	NOUN
ejge-10173	365	3	,	,	PUNCT
ejge-10173	365	4	a.	a.	NOUN
ejge-10173	365	5	,	,	PUNCT
ejge-10173	365	6	mordi	mordi	PROPN
ejge-10173	365	7	,	,	PUNCT
ejge-10173	365	8	c.	c.	PROPN
ejge-10173	365	9	,	,	PUNCT
ejge-10173	365	10	egwuonwu	egwuonwu	NOUN
ejge-10173	365	11	,	,	PUNCT
ejge-10173	365	12	a.	a.	NOUN
ejge-10173	365	13	&	&	CCONJ
ejge-10173	365	14	uadiale	uadiale	PROPN
ejge-10173	365	15	,	,	PUNCT
ejge-10173	365	16	o.	o.	NOUN
ejge-10173	365	17	(	(	PUNCT
ejge-10173	365	18	2022	2022	NUM
ejge-10173	365	19	)	)	PUNCT
ejge-10173	365	20	.	.	PUNCT
ejge-10173	366	1	the	the	DET
ejge-10173	366	2	influence	influence	NOUN
ejge-10173	366	3	of	of	ADP
ejge-10173	366	4	blockchains	blockchain	NOUN
ejge-10173	366	5	and	and	CCONJ
ejge-10173	366	6	internet	internet	NOUN
ejge-10173	366	7	of	of	ADP
ejge-10173	366	8	things	thing	NOUN
ejge-10173	366	9	on	on	ADP
ejge-10173	366	10	global	global	ADJ
ejge-10173	366	11	value	value	NOUN
ejge-10173	366	12	chain	chain	NOUN
ejge-10173	366	13	.	.	PUNCT
ejge-10173	367	1	strategic	strategic	ADJ
ejge-10173	367	2	change	change	NOUN
ejge-10173	367	3	,	,	PUNCT
ejge-10173	367	4	31	31	NUM
ejge-10173	367	5	(	(	PUNCT
ejge-10173	367	6	1	1	NUM
ejge-10173	367	7	)	)	PUNCT
ejge-10173	367	8	,	,	PUNCT
ejge-10173	367	9	45	45	NUM
ejge-10173	367	10	-	-	SYM
ejge-10173	367	11	55	55	NUM
ejge-10173	367	12	.	.	PUNCT
ejge-10173	368	1	https://doi.org/10.1002/jsc.2484	https://doi.org/10.1002/jsc.2484	PROPN
ejge-10173	368	2	elia	elia	PROPN
ejge-10173	368	3	,	,	PUNCT
ejge-10173	368	4	s.	s.	PROPN
ejge-10173	368	5	,	,	PUNCT
ejge-10173	368	6	giuffrida	giuffrida	NOUN
ejge-10173	368	7	,	,	PUNCT
ejge-10173	368	8	m.	m.	NOUN
ejge-10173	368	9	,	,	PUNCT
ejge-10173	368	10	mariani	mariani	PROPN
ejge-10173	368	11	,	,	PUNCT
ejge-10173	368	12	m.m	m.m	PROPN
ejge-10173	368	13	.	.	PROPN
ejge-10173	368	14	&	&	CCONJ
ejge-10173	368	15	bresciani	bresciani	PROPN
ejge-10173	368	16	,	,	PUNCT
ejge-10173	368	17	s.	s.	PROPN
ejge-10173	368	18	(	(	PUNCT
ejge-10173	368	19	2021	2021	NUM
ejge-10173	368	20	)	)	PUNCT
ejge-10173	368	21	.	.	PUNCT
ejge-10173	369	1	resources	resource	NOUN
ejge-10173	369	2	and	and	CCONJ
ejge-10173	369	3	digital	digital	ADJ
ejge-10173	369	4	export	export	NOUN
ejge-10173	369	5	:	:	PUNCT
ejge-10173	369	6	an	an	DET
ejge-10173	369	7	rbv	rbv	NOUN
ejge-10173	369	8	perspective	perspective	NOUN
ejge-10173	369	9	on	on	ADP
ejge-10173	369	10	the	the	DET
ejge-10173	369	11	role	role	NOUN
ejge-10173	369	12	of	of	ADP
ejge-10173	369	13	digital	digital	ADJ
ejge-10173	369	14	technologies	technology	NOUN
ejge-10173	369	15	and	and	CCONJ
ejge-10173	369	16	capabilities	capability	NOUN
ejge-10173	369	17	in	in	ADP
ejge-10173	369	18	cross	cross	ADJ
ejge-10173	369	19	-	-	ADJ
ejge-10173	369	20	border	border	ADJ
ejge-10173	369	21	e	e	NOUN
ejge-10173	369	22	-	-	NOUN
ejge-10173	369	23	commerce	commerce	NOUN
ejge-10173	369	24	.	.	PUNCT
ejge-10173	369	25	journal	journal	PROPN
ejge-10173	369	26	of	of	ADP
ejge-10173	369	27	business	business	NOUN
ejge-10173	369	28	research	research	NOUN
ejge-10173	369	29	,	,	PUNCT
ejge-10173	369	30	132	132	NUM
ejge-10173	369	31	,	,	PUNCT
ejge-10173	369	32	158	158	NUM
ejge-10173	369	33	-	-	SYM
ejge-10173	369	34	169	169	NUM
ejge-10173	369	35	.	.	PUNCT
ejge-10173	370	1	https://doi.org/10.1016/j.jbusres.2021.04.010	https://doi.org/10.1016/j.jbusres.2021.04.010	NOUN
ejge-10173	370	2	feroz	feroz	PROPN
ejge-10173	370	3	,	,	PUNCT
ejge-10173	370	4	a.	a.	PROPN
ejge-10173	370	5	k.	k.	PROPN
ejge-10173	370	6	,	,	PUNCT
ejge-10173	370	7	zo	zo	PROPN
ejge-10173	370	8	,	,	PUNCT
ejge-10173	370	9	h.	h.	PROPN
ejge-10173	370	10	&	&	CCONJ
ejge-10173	370	11	chiravuri	chiravuri	PROPN
ejge-10173	370	12	,	,	PUNCT
ejge-10173	370	13	a.	a.	NOUN
ejge-10173	370	14	(	(	PUNCT
ejge-10173	370	15	2021	2021	NUM
ejge-10173	370	16	)	)	PUNCT
ejge-10173	370	17	.	.	PUNCT
ejge-10173	371	1	digital	digital	ADJ
ejge-10173	371	2	transformation	transformation	NOUN
ejge-10173	371	3	and	and	CCONJ
ejge-10173	371	4	environmental	environmental	ADJ
ejge-10173	371	5	sustainability	sustainability	NOUN
ejge-10173	371	6	.	.	PUNCT
ejge-10173	372	1	sustainability	sustainability	NOUN
ejge-10173	372	2	,	,	PUNCT
ejge-10173	372	3	13	13	NUM
ejge-10173	372	4	(	(	PUNCT
ejge-10173	372	5	3	3	NUM
ejge-10173	372	6	)	)	PUNCT
ejge-10173	372	7	,	,	PUNCT
ejge-10173	372	8	1530	1530	NUM
ejge-10173	372	9	-	-	SYM
ejge-10173	372	10	1551	1551	NUM
ejge-10173	372	11	.	.	PUNCT
ejge-10173	373	1	https://doi.org/10.3390/su13031530	https://doi.org/10.3390/su13031530	PROPN
ejge-10173	373	2	gleibner	gleibner	NOUN
ejge-10173	373	3	,	,	PUNCT
ejge-10173	373	4	w.	w.	PROPN
ejge-10173	373	5	,	,	PUNCT
ejge-10173	373	6	günther	günther	NOUN
ejge-10173	373	7	,	,	PUNCT
ejge-10173	373	8	t.	t.	PROPN
ejge-10173	373	9	&	&	CCONJ
ejge-10173	373	10	walkshäusl	walkshäusl	PROPN
ejge-10173	373	11	,	,	PUNCT
ejge-10173	373	12	c.	c.	PROPN
ejge-10173	373	13	(	(	PUNCT
ejge-10173	373	14	2022	2022	NUM
ejge-10173	373	15	)	)	PUNCT
ejge-10173	373	16	.	.	PUNCT
ejge-10173	374	1	financial	financial	ADJ
ejge-10173	374	2	sustainability	sustainability	NOUN
ejge-10173	374	3	:	:	PUNCT
ejge-10173	374	4	measurement	measurement	NOUN
ejge-10173	374	5	and	and	CCONJ
ejge-10173	374	6	empirical	empirical	ADJ
ejge-10173	374	7	evidence	evidence	NOUN
ejge-10173	374	8	.	.	PUNCT
ejge-10173	375	1	journal	journal	NOUN
ejge-10173	375	2	of	of	ADP
ejge-10173	375	3	business	business	NOUN
ejge-10173	375	4	economics	economic	NOUN
ejge-10173	375	5	,	,	PUNCT
ejge-10173	375	6	92	92	NUM
ejge-10173	375	7	,	,	PUNCT
ejge-10173	375	8	467	467	NUM
ejge-10173	375	9	-	-	SYM
ejge-10173	375	10	516	516	NUM
ejge-10173	375	11	.	.	PUNCT
ejge-10173	376	1	https://doi.org/10.1007/s11573-022-01081-0	https://doi.org/10.1007/s11573-022-01081-0	ADJ
ejge-10173	376	2	goldfarb	goldfarb	NOUN
ejge-10173	376	3	,	,	PUNCT
ejge-10173	376	4	a.	a.	PROPN
ejge-10173	376	5	&	&	CCONJ
ejge-10173	376	6	tucker	tucker	PROPN
ejge-10173	376	7	,	,	PUNCT
ejge-10173	376	8	c.	c.	PROPN
ejge-10173	376	9	(	(	PUNCT
ejge-10173	376	10	2019	2019	NUM
ejge-10173	376	11	)	)	PUNCT
ejge-10173	376	12	.	.	PUNCT
ejge-10173	377	1	digital	digital	ADJ
ejge-10173	377	2	economics	economic	NOUN
ejge-10173	377	3	.	.	PUNCT
ejge-10173	378	1	journal	journal	PROPN
ejge-10173	378	2	of	of	ADP
ejge-10173	378	3	economic	economic	ADJ
ejge-10173	378	4	literature	literature	NOUN
ejge-10173	378	5	,	,	PUNCT
ejge-10173	378	6	57	57	NUM
ejge-10173	378	7	,	,	PUNCT
ejge-10173	378	8	3	3	NUM
ejge-10173	378	9	-	-	SYM
ejge-10173	378	10	43	43	NUM
ejge-10173	378	11	.	.	PUNCT
ejge-10173	379	1	https://doi.org/10.1257/jel.20171452	https://doi.org/10.1257/jel.20171452	PROPN
ejge-10173	379	2	gruber	gruber	PROPN
ejge-10173	379	3	,	,	PUNCT
ejge-10173	379	4	h.	h.	PROPN
ejge-10173	379	5	(	(	PUNCT
ejge-10173	379	6	2019	2019	NUM
ejge-10173	379	7	)	)	PUNCT
ejge-10173	379	8	.	.	PUNCT
ejge-10173	380	1	proposals	proposal	NOUN
ejge-10173	380	2	for	for	ADP
ejge-10173	380	3	a	a	DET
ejge-10173	380	4	digital	digital	ADJ
ejge-10173	380	5	industrial	industrial	ADJ
ejge-10173	380	6	policy	policy	NOUN
ejge-10173	380	7	for	for	ADP
ejge-10173	380	8	europe	europe	PROPN
ejge-10173	380	9	.	.	PUNCT
ejge-10173	381	1	telecommunication	telecommunication	NOUN
ejge-10173	381	2	policy	policy	NOUN
ejge-10173	381	3	,	,	PUNCT
ejge-10173	381	4	43	43	NUM
ejge-10173	381	5	(	(	PUNCT
ejge-10173	381	6	2).116	2).116	NUM
ejge-10173	381	7	-	-	NOUN
ejge-10173	381	8	127	127	NUM
ejge-10173	381	9	.	.	PUNCT
ejge-10173	382	1	https://doi.org/10.1016/j.telpol.2018.06.003	https://doi.org/10.1016/j.telpol.2018.06.003	PROPN
ejge-10173	382	2	guo.l	guo.l	PROPN
ejge-10173	382	3	,	,	PUNCT
ejge-10173	382	4	chen	chen	PROPN
ejge-10173	382	5	,	,	PUNCT
ejge-10173	382	6	j.	j.	PROPN
ejge-10173	382	7	,	,	PUNCT
ejge-10173	382	8	li	li	PROPN
ejge-10173	382	9	,	,	PUNCT
ejge-10173	382	10	s.	s.	PROPN
ejge-10173	382	11	,	,	PUNCT
ejge-10173	382	12	li	li	PROPN
ejge-10173	382	13	,	,	PUNCT
ejge-10173	382	14	y.	y.	PROPN
ejge-10173	382	15	&	&	CCONJ
ejge-10173	382	16	lu	lu	PROPN
ejge-10173	382	17	,	,	PUNCT
ejge-10173	382	18	j.	j.	PROPN
ejge-10173	382	19	(	(	PUNCT
ejge-10173	382	20	2022	2022	NUM
ejge-10173	382	21	)	)	PUNCT
ejge-10173	382	22	.	.	PUNCT
ejge-10173	383	1	a	a	DET
ejge-10173	383	2	blockchain	blockchain	PROPN
ejge-10173	383	3	and	and	CCONJ
ejge-10173	383	4	iot	iot	NOUN
ejge-10173	383	5	-	-	PUNCT
ejge-10173	383	6	based	base	VERB
ejge-10173	383	7	lightweight	lightweight	ADJ
ejge-10173	383	8	framework	framework	NOUN
ejge-10173	383	9	for	for	ADP
ejge-10173	383	10	enabling	enable	VERB
ejge-10173	383	11	information	information	NOUN
ejge-10173	383	12	transparency	transparency	NOUN
ejge-10173	383	13	in	in	ADP
ejge-10173	383	14	supply	supply	NOUN
ejge-10173	383	15	chain	chain	NOUN
ejge-10173	383	16	finance	finance	NOUN
ejge-10173	383	17	.	.	PUNCT
ejge-10173	384	1	digital	digital	ADJ
ejge-10173	384	2	communication	communication	NOUN
ejge-10173	384	3	and	and	CCONJ
ejge-10173	384	4	networks	network	NOUN
ejge-10173	384	5	,	,	PUNCT
ejge-10173	384	6	8(4	8(4	NUM
ejge-10173	384	7	)	)	PUNCT
ejge-10173	384	8	,	,	PUNCT
ejge-10173	384	9	576	576	NUM
ejge-10173	384	10	-	-	SYM
ejge-10173	384	11	587	587	NUM
ejge-10173	384	12	.	.	PUNCT
ejge-10173	385	1	https://doi.org/10.1016/j.dcan.2022.03.020	https://doi.org/10.1016/j.dcan.2022.03.020	NOUN
ejge-10173	385	2	helmerich	helmerich	ADV
ejge-10173	385	3	,	,	PUNCT
ejge-10173	385	4	n.	n.	NOUN
ejge-10173	385	5	,	,	PUNCT
ejge-10173	385	6	raj	raj	PROPN
ejge-10173	385	7	-	-	PUNCT
ejge-10173	385	8	reichert	reichert	PROPN
ejge-10173	385	9	,	,	PUNCT
ejge-10173	385	10	g.	g.	PROPN
ejge-10173	385	11	&	&	CCONJ
ejge-10173	385	12	zajak	zajak	PROPN
ejge-10173	385	13	,	,	PUNCT
ejge-10173	385	14	s.	s.	PROPN
ejge-10173	385	15	(	(	PUNCT
ejge-10173	385	16	2021	2021	NUM
ejge-10173	385	17	)	)	PUNCT
ejge-10173	385	18	.	.	PUNCT
ejge-10173	386	1	exercising	exercise	VERB
ejge-10173	386	2	associational	associational	ADJ
ejge-10173	386	3	and	and	CCONJ
ejge-10173	386	4	networked	networked	ADJ
ejge-10173	386	5	power	power	NOUN
ejge-10173	386	6	through	through	ADP
ejge-10173	386	7	the	the	DET
ejge-10173	386	8	use	use	NOUN
ejge-10173	386	9	of	of	ADP
ejge-10173	386	10	digital	digital	ADJ
ejge-10173	386	11	technology	technology	NOUN
ejge-10173	386	12	by	by	ADP
ejge-10173	386	13	workers	worker	NOUN
ejge-10173	386	14	in	in	ADP
ejge-10173	386	15	global	global	ADJ
ejge-10173	386	16	value	value	NOUN
ejge-10173	386	17	chains	chain	NOUN
ejge-10173	386	18	.	.	PUNCT
ejge-10173	387	1	competition	competition	NOUN
ejge-10173	387	2	and	and	CCONJ
ejge-10173	387	3	change	change	NOUN
ejge-10173	387	4	,	,	PUNCT
ejge-10173	387	5	25	25	NUM
ejge-10173	387	6	(	(	PUNCT
ejge-10173	387	7	2	2	NUM
ejge-10173	387	8	)	)	PUNCT
ejge-10173	387	9	,	,	PUNCT
ejge-10173	387	10	42	42	NUM
ejge-10173	387	11	-	-	SYM
ejge-10173	387	12	166	166	NUM
ejge-10173	387	13	.	.	PUNCT
ejge-10173	388	1	https://doi.org/10.1177/1024529420903289	https://doi.org/10.1177/1024529420903289	ADJ
ejge-10173	388	2	international	international	ADJ
ejge-10173	388	3	telecommunication	telecommunication	NOUN
ejge-10173	388	4	union	union	NOUN
ejge-10173	388	5	.	.	PUNCT
ejge-10173	389	1	(	(	PUNCT
ejge-10173	389	2	2023	2023	NUM
ejge-10173	389	3	)	)	PUNCT
ejge-10173	389	4	.	.	PUNCT
ejge-10173	390	1	digital	digital	ADJ
ejge-10173	390	2	innovation	innovation	NOUN
ejge-10173	390	3	profile	profile	NOUN
ejge-10173	390	4	:	:	PUNCT
ejge-10173	390	5	north	north	NOUN
ejge-10173	390	6	macedonia	macedonia	PROPN
ejge-10173	390	7	.	.	PUNCT
ejge-10173	391	1	itu	itu	PROPN
ejge-10173	391	2	publications	publications	PROPN
ejge-10173	391	3	,	,	PUNCT
ejge-10173	391	4	geneva	geneva	PROPN
ejge-10173	391	5	,	,	PUNCT
ejge-10173	391	6	switzerland	switzerland	PROPN
ejge-10173	391	7	.	.	PUNCT
ejge-10173	392	1	https://www.itu.int/dms_pub/itu-d/opb/inno/d-innoprofile.northmacedonia-2023-pdf-e.pdf	https://www.itu.int/dms_pub/itu-d/opb/inno/d-innoprofile.northmacedonia-2023-pdf-e.pdf	NOUN
ejge-10173	392	2	https://doi.org/10.1080/09537287.2020.1780508	https://doi.org/10.1080/09537287.2020.1780508	PUNCT
ejge-10173	393	1	https://doi.org/10.1080/02681102.2020.1840323	https://doi.org/10.1080/02681102.2020.1840323	PROPN
ejge-10173	393	2	https://doi.org/10.1007/s11846-016-0225-9	https://doi.org/10.1007/s11846-016-0225-9	NUM
ejge-10173	393	3	https://doi.org/10.1016/j.telpol.2021.102215	https://doi.org/10.1016/j.telpol.2021.102215	NOUN
ejge-10173	393	4	https://doi.org/10.1057/s41287-020-00357-x	https://doi.org/10.1057/s41287-020-00357-x	PROPN
ejge-10173	393	5	https://doi.org/10.1016/j.jbusres.2020.09.053	https://doi.org/10.1016/j.jbusres.2020.09.053	PROPN
ejge-10173	393	6	https://doi.org/10.1080/02692171.2020.1815665	https://doi.org/10.1080/02692171.2020.1815665	PROPN
ejge-10173	393	7	https://doi.org/10.1002/jsc.2484	https://doi.org/10.1002/jsc.2484	PROPN
ejge-10173	393	8	https://doi.org/10.1016/j.jbusres.2021.04.010	https://doi.org/10.1016/j.jbusres.2021.04.010	NOUN
ejge-10173	393	9	https://doi.org/10.3390/su13031530	https://doi.org/10.3390/su13031530	PROPN
ejge-10173	393	10	https://doi.org/10.1007/s11573-022-01081-0	https://doi.org/10.1007/s11573-022-01081-0	ADJ
ejge-10173	393	11	https://doi.org/10.1257/jel.20171452	https://doi.org/10.1257/jel.20171452	NOUN
ejge-10173	393	12	https://doi.org/10.1016/j.telpol.2018.06.003	https://doi.org/10.1016/j.telpol.2018.06.003	NOUN
ejge-10173	393	13	https://doi.org/10.1016/j.dcan.2022.03.020	https://doi.org/10.1016/j.dcan.2022.03.020	NOUN
ejge-10173	393	14	https://doi.org/10.1177/1024529420903289	https://doi.org/10.1177/1024529420903289	ADJ
ejge-10173	393	15	https://www.itu.int/dms_pub/itu-d/opb/inno/d-inno-profile.northmacedonia-2023-pdf-e.pdf	https://www.itu.int/dms_pub/itu-d/opb/inno/d-inno-profile.northmacedonia-2023-pdf-e.pdf	X
ejge-10173	393	16	https://www.itu.int/dms_pub/itu-d/opb/inno/d-inno-profile.northmacedonia-2023-pdf-e.pdf	https://www.itu.int/dms_pub/itu-d/opb/inno/d-inno-profile.northmacedonia-2023-pdf-e.pdf	NOUN
ejge-10173	393	17	unlocking	unlock	VERB
ejge-10173	393	18	regional	regional	ADJ
ejge-10173	393	19	value	value	NOUN
ejge-10173	393	20	chains	chain	NOUN
ejge-10173	393	21	ishamuddin	ishamuddin	VERB
ejge-10173	393	22	,	,	PUNCT
ejge-10173	393	23	m.	m.	NOUN
ejge-10173	393	24	,	,	PUNCT
ejge-10173	393	25	vaicondam	vaicondam	NOUN
ejge-10173	393	26	,	,	PUNCT
ejge-10173	393	27	y.	y.	PROPN
ejge-10173	393	28	,	,	PUNCT
ejge-10173	393	29	agha	agha	PROPN
ejge-10173	393	30	,	,	PUNCT
ejge-10173	393	31	j.	j.	PROPN
ejge-10173	393	32	,	,	PUNCT
ejge-10173	393	33	burkhanov	burkhanov	PROPN
ejge-10173	393	34	,	,	PUNCT
ejge-10173	393	35	a.u	a.u	PROPN
ejge-10173	393	36	.	.	PROPN
ejge-10173	393	37	&	&	CCONJ
ejge-10173	393	38	binti	binti	PROPN
ejge-10173	393	39	yusof	yusof	PROPN
ejge-10173	393	40	,	,	PUNCT
ejge-10173	393	41	s.	s.	PROPN
ejge-10173	393	42	h.	h.	PROPN
ejge-10173	393	43	(	(	PUNCT
ejge-10173	393	44	2023	2023	NUM
ejge-10173	393	45	)	)	PUNCT
ejge-10173	393	46	.	.	PUNCT
ejge-10173	394	1	cybersecrity	cybersecrity	NOUN
ejge-10173	394	2	challenges	challenge	NOUN
ejge-10173	394	3	and	and	CCONJ
ejge-10173	394	4	solutions	solution	NOUN
ejge-10173	394	5	in	in	ADP
ejge-10173	394	6	the	the	DET
ejge-10173	394	7	fintech	fintech	NOUN
ejge-10173	394	8	mobile	mobile	PROPN
ejge-10173	394	9	app	app	PROPN
ejge-10173	394	10	ecosystem	ecosystem	NOUN
ejge-10173	394	11	.	.	PUNCT
ejge-10173	395	1	international	international	ADJ
ejge-10173	395	2	journal	journal	PROPN
ejge-10173	395	3	of	of	ADP
ejge-10173	395	4	interactive	interactive	ADJ
ejge-10173	395	5	mobile	mobile	ADJ
ejge-10173	395	6	technologies	technology	NOUN
ejge-10173	395	7	,	,	PUNCT
ejge-10173	395	8	17	17	NUM
ejge-10173	395	9	(	(	PUNCT
ejge-10173	395	10	22	22	NUM
ejge-10173	395	11	)	)	PUNCT
ejge-10173	395	12	,	,	PUNCT
ejge-10173	395	13	100	100	NUM
ejge-10173	395	14	-	-	SYM
ejge-10173	395	15	116	116	NUM
ejge-10173	395	16	.	.	PUNCT
ejge-10173	396	1	https://doi.org/10.3991/ijim.v17i22.45261	https://doi.org/10.3991/ijim.v17i22.45261	PROPN
ejge-10173	396	2	javorcik	javorcik	NOUN
ejge-10173	396	3	,	,	PUNCT
ejge-10173	396	4	b.	b.	PROPN
ejge-10173	396	5	(	(	PUNCT
ejge-10173	396	6	2020	2020	NUM
ejge-10173	396	7	)	)	PUNCT
ejge-10173	396	8	.	.	PUNCT
ejge-10173	397	1	reshaping	reshape	VERB
ejge-10173	397	2	of	of	ADP
ejge-10173	397	3	global	global	ADJ
ejge-10173	397	4	supply	supply	NOUN
ejge-10173	397	5	chains	chain	NOUN
ejge-10173	397	6	will	will	AUX
ejge-10173	397	7	take	take	VERB
ejge-10173	397	8	place	place	NOUN
ejge-10173	397	9	,	,	PUNCT
ejge-10173	397	10	but	but	CCONJ
ejge-10173	397	11	it	it	PRON
ejge-10173	397	12	will	will	AUX
ejge-10173	397	13	not	not	PART
ejge-10173	397	14	happen	happen	VERB
ejge-10173	397	15	fast	fast	ADV
ejge-10173	397	16	.	.	PUNCT
ejge-10173	398	1	journal	journal	NOUN
ejge-10173	398	2	of	of	ADP
ejge-10173	398	3	chinese	chinese	ADJ
ejge-10173	398	4	economic	economic	ADJ
ejge-10173	398	5	and	and	CCONJ
ejge-10173	398	6	business	business	NOUN
ejge-10173	398	7	studies	study	NOUN
ejge-10173	398	8	,	,	PUNCT
ejge-10173	398	9	18	18	NUM
ejge-10173	398	10	(	(	PUNCT
ejge-10173	398	11	4	4	NUM
ejge-10173	398	12	)	)	PUNCT
ejge-10173	398	13	,	,	PUNCT
ejge-10173	398	14	321	321	NUM
ejge-10173	398	15	-	-	SYM
ejge-10173	398	16	325	325	NUM
ejge-10173	398	17	.	.	PUNCT
ejge-10173	399	1	https://doi.org/10.1080/14765284.2020.1855051	https://doi.org/10.1080/14765284.2020.1855051	PROPN
ejge-10173	399	2	juliet	juliet	PROPN
ejge-10173	399	3	orji	orji	PROPN
ejge-10173	399	4	,	,	PUNCT
ejge-10173	399	5	i.	i.	PROPN
ejge-10173	399	6	,	,	PUNCT
ejge-10173	399	7	ojadi	ojadi	PROPN
ejge-10173	399	8	,	,	PUNCT
ejge-10173	399	9	f.	f.	PROPN
ejge-10173	399	10	&	&	CCONJ
ejge-10173	399	11	kalu	kalu	PROPN
ejge-10173	399	12	okwara	okwara	PROPN
ejge-10173	399	13	,	,	PUNCT
ejge-10173	399	14	u.	u.	PROPN
ejge-10173	399	15	(	(	PUNCT
ejge-10173	399	16	2022	2022	NUM
ejge-10173	399	17	)	)	PUNCT
ejge-10173	399	18	.	.	PUNCT
ejge-10173	400	1	the	the	DET
ejge-10173	400	2	nexus	nexus	NOUN
ejge-10173	400	3	between	between	ADP
ejge-10173	400	4	e	e	NOUN
ejge-10173	400	5	-	-	NOUN
ejge-10173	400	6	commerce	commerce	NOUN
ejge-10173	400	7	adoption	adoption	NOUN
ejge-10173	400	8	in	in	ADP
ejge-10173	400	9	a	a	DET
ejge-10173	400	10	health	health	NOUN
ejge-10173	400	11	pandemic	pandemic	ADJ
ejge-10173	400	12	and	and	CCONJ
ejge-10173	400	13	firm	firm	ADJ
ejge-10173	400	14	performance	performance	NOUN
ejge-10173	400	15	:	:	PUNCT
ejge-10173	400	16	the	the	DET
ejge-10173	400	17	role	role	NOUN
ejge-10173	400	18	of	of	ADP
ejge-10173	400	19	pandemic	pandemic	ADJ
ejge-10173	400	20	response	response	NOUN
ejge-10173	400	21	strategies	strategy	NOUN
ejge-10173	400	22	.	.	PUNCT
ejge-10173	401	1	journal	journal	NOUN
ejge-10173	401	2	of	of	ADP
ejge-10173	401	3	business	business	NOUN
ejge-10173	401	4	research	research	NOUN
ejge-10173	401	5	,	,	PUNCT
ejge-10173	401	6	145,616	145,616	NUM
ejge-10173	401	7	-	-	SYM
ejge-10173	401	8	635	635	NUM
ejge-10173	401	9	.	.	PUNCT
ejge-10173	402	1	https://doi.org/10.1016/j.jbusres.2022.03.034	https://doi.org/10.1016/j.jbusres.2022.03.034	NUM
ejge-10173	402	2	kacani	kacani	NOUN
ejge-10173	402	3	,	,	PUNCT
ejge-10173	402	4	j.	j.	PROPN
ejge-10173	402	5	&	&	CCONJ
ejge-10173	402	6	shaqiri	shaqiri	PROPN
ejge-10173	402	7	,	,	PUNCT
ejge-10173	402	8	g.	g.	PROPN
ejge-10173	402	9	(	(	PUNCT
ejge-10173	402	10	2023	2023	NUM
ejge-10173	402	11	)	)	PUNCT
ejge-10173	402	12	.	.	PUNCT
ejge-10173	403	1	emerging	emerge	VERB
ejge-10173	403	2	ict	ict	NOUN
ejge-10173	403	3	clusters	cluster	NOUN
ejge-10173	403	4	in	in	ADP
ejge-10173	403	5	the	the	DET
ejge-10173	403	6	western	western	ADJ
ejge-10173	403	7	balkans	balkans	PROPN
ejge-10173	403	8	:	:	PUNCT
ejge-10173	403	9	a	a	DET
ejge-10173	403	10	convergence	convergence	NOUN
ejge-10173	403	11	model	model	NOUN
ejge-10173	403	12	based	base	VERB
ejge-10173	403	13	on	on	ADP
ejge-10173	403	14	financial	financial	ADJ
ejge-10173	403	15	statement	statement	NOUN
ejge-10173	403	16	analysis	analysis	NOUN
ejge-10173	403	17	.	.	PUNCT
ejge-10173	404	1	regional	regional	ADJ
ejge-10173	404	2	science	science	NOUN
ejge-10173	404	3	policy	policy	NOUN
ejge-10173	404	4	and	and	CCONJ
ejge-10173	404	5	practice	practice	NOUN
ejge-10173	404	6	,	,	PUNCT
ejge-10173	404	7	1	1	NUM
ejge-10173	404	8	,	,	PUNCT
ejge-10173	404	9	1	1	NUM
ejge-10173	404	10	-	-	SYM
ejge-10173	404	11	16	16	NUM
ejge-10173	404	12	.	.	PUNCT
ejge-10173	405	1	https://doi.org/10.1111/rsp3.12687	https://doi.org/10.1111/rsp3.12687	ADJ
ejge-10173	405	2	kacani	kacani	NOUN
ejge-10173	405	3	,	,	PUNCT
ejge-10173	405	4	j.	j.	PROPN
ejge-10173	405	5	,	,	PUNCT
ejge-10173	405	6	mukli	mukli	PROPN
ejge-10173	405	7	,	,	PUNCT
ejge-10173	405	8	l.	l.	PROPN
ejge-10173	405	9	&	&	CCONJ
ejge-10173	405	10	hysa	hysa	PROPN
ejge-10173	405	11	,	,	PUNCT
ejge-10173	405	12	e.	e.	PROPN
ejge-10173	405	13	(	(	PUNCT
ejge-10173	405	14	2022	2022	NUM
ejge-10173	405	15	)	)	PUNCT
ejge-10173	405	16	.	.	PUNCT
ejge-10173	406	1	a	a	DET
ejge-10173	406	2	framework	framework	NOUN
ejge-10173	406	3	for	for	ADP
ejge-10173	406	4	shortvs	shortv	NOUN
ejge-10173	406	5	.	.	PUNCT
ejge-10173	407	1	long	long	ADJ
ejge-10173	407	2	-	-	PUNCT
ejge-10173	407	3	term	term	NOUN
ejge-10173	407	4	risk	risk	NOUN
ejge-10173	407	5	indicators	indicator	NOUN
ejge-10173	407	6	for	for	ADP
ejge-10173	407	7	outsourcing	outsource	VERB
ejge-10173	407	8	potential	potential	NOUN
ejge-10173	407	9	for	for	ADP
ejge-10173	407	10	enterprises	enterprise	NOUN
ejge-10173	407	11	participating	participate	VERB
ejge-10173	407	12	in	in	ADP
ejge-10173	407	13	global	global	ADJ
ejge-10173	407	14	value	value	NOUN
ejge-10173	407	15	chains	chain	NOUN
ejge-10173	407	16	:	:	PUNCT
ejge-10173	407	17	evidence	evidence	NOUN
ejge-10173	407	18	from	from	ADP
ejge-10173	407	19	western	western	ADJ
ejge-10173	407	20	balkan	balkan	ADJ
ejge-10173	407	21	countries	country	NOUN
ejge-10173	407	22	.	.	PUNCT
ejge-10173	408	1	journal	journal	NOUN
ejge-10173	408	2	of	of	ADP
ejge-10173	408	3	risk	risk	NOUN
ejge-10173	408	4	and	and	CCONJ
ejge-10173	408	5	financial	financial	ADJ
ejge-10173	408	6	management	management	NOUN
ejge-10173	408	7	,	,	PUNCT
ejge-10173	408	8	5	5	NUM
ejge-10173	408	9	(	(	PUNCT
ejge-10173	408	10	9	9	NUM
ejge-10173	408	11	)	)	PUNCT
ejge-10173	408	12	,	,	PUNCT
ejge-10173	408	13	401	401	NUM
ejge-10173	408	14	-	-	SYM
ejge-10173	408	15	415	415	NUM
ejge-10173	408	16	.	.	PUNCT
ejge-10173	409	1	https://doi.org/10.3390/jrfm15090401	https://doi.org/10.3390/jrfm15090401	PROPN
ejge-10173	409	2	kan	kan	PROPN
ejge-10173	409	3	,	,	PUNCT
ejge-10173	409	4	d.	d.	PROPN
ejge-10173	409	5	,	,	PUNCT
ejge-10173	409	6	lyu	lyu	PROPN
ejge-10173	409	7	,	,	PUNCT
ejge-10173	409	8	l.	l.	PROPN
ejge-10173	409	9	,	,	PUNCT
ejge-10173	409	10	huang	huang	PROPN
ejge-10173	409	11	,	,	PUNCT
ejge-10173	409	12	w.	w.	PROPN
ejge-10173	409	13	&	&	CCONJ
ejge-10173	409	14	yao	yao	PROPN
ejge-10173	409	15	,	,	PUNCT
ejge-10173	409	16	w.	w.	PROPN
ejge-10173	409	17	(	(	PUNCT
ejge-10173	409	18	2022	2022	NUM
ejge-10173	409	19	)	)	PUNCT
ejge-10173	409	20	.	.	PUNCT
ejge-10173	410	1	digital	digital	ADJ
ejge-10173	410	2	economy	economy	NOUN
ejge-10173	410	3	and	and	CCONJ
ejge-10173	410	4	the	the	DET
ejge-10173	410	5	upgrading	upgrading	NOUN
ejge-10173	410	6	of	of	ADP
ejge-10173	410	7	the	the	DET
ejge-10173	410	8	global	global	ADJ
ejge-10173	410	9	value	value	NOUN
ejge-10173	410	10	chain	chain	NOUN
ejge-10173	410	11	of	of	ADP
ejge-10173	410	12	china	china	PROPN
ejge-10173	410	13	's	's	PART
ejge-10173	410	14	service	service	NOUN
ejge-10173	410	15	industry	industry	NOUN
ejge-10173	410	16	.	.	PUNCT
ejge-10173	411	1	journal	journal	NOUN
ejge-10173	411	2	of	of	ADP
ejge-10173	411	3	theoretical	theoretical	ADJ
ejge-10173	411	4	and	and	CCONJ
ejge-10173	411	5	applied	apply	VERB
ejge-10173	411	6	electronic	electronic	ADJ
ejge-10173	411	7	commerce	commerce	NOUN
ejge-10173	411	8	research	research	NOUN
ejge-10173	411	9	,	,	PUNCT
ejge-10173	411	10	17	17	NUM
ejge-10173	411	11	,	,	PUNCT
ejge-10173	411	12	1279	1279	NUM
ejge-10173	411	13	-	-	SYM
ejge-10173	411	14	1296	1296	NUM
ejge-10173	411	15	.	.	PUNCT
ejge-10173	412	1	https://doi.org/10.3390/jtaer17040065	https://doi.org/10.3390/jtaer17040065	NOUN
ejge-10173	412	2	kano	kano	PROPN
ejge-10173	412	3	,	,	PUNCT
ejge-10173	412	4	l.	l.	PROPN
ejge-10173	412	5	,	,	PUNCT
ejge-10173	412	6	tsang	tsang	PROPN
ejge-10173	412	7	,	,	PUNCT
ejge-10173	412	8	e.	e.	PROPN
ejge-10173	412	9	w.	w.	PROPN
ejge-10173	412	10	&	&	CCONJ
ejge-10173	412	11	yeung	yeung	PROPN
ejge-10173	412	12	,	,	PUNCT
ejge-10173	412	13	h.	h.	PROPN
ejge-10173	412	14	w.	w.	PROPN
ejge-10173	412	15	c.	c.	PROPN
ejge-10173	412	16	(	(	PUNCT
ejge-10173	412	17	2020	2020	NUM
ejge-10173	412	18	)	)	PUNCT
ejge-10173	412	19	.	.	PUNCT
ejge-10173	413	1	global	global	ADJ
ejge-10173	413	2	value	value	NOUN
ejge-10173	413	3	chains	chain	NOUN
ejge-10173	413	4	:	:	PUNCT
ejge-10173	413	5	a	a	DET
ejge-10173	413	6	review	review	NOUN
ejge-10173	413	7	of	of	ADP
ejge-10173	413	8	the	the	DET
ejge-10173	413	9	multi	multi	ADJ
ejge-10173	413	10	-	-	ADJ
ejge-10173	413	11	disciplinary	disciplinary	ADJ
ejge-10173	413	12	literature	literature	NOUN
ejge-10173	413	13	.	.	PUNCT
ejge-10173	414	1	journal	journal	PROPN
ejge-10173	414	2	of	of	ADP
ejge-10173	414	3	international	international	ADJ
ejge-10173	414	4	business	business	NOUN
ejge-10173	414	5	studies	study	NOUN
ejge-10173	414	6	,	,	PUNCT
ejge-10173	414	7	51	51	NUM
ejge-10173	414	8	(	(	PUNCT
ejge-10173	414	9	4	4	NUM
ejge-10173	414	10	)	)	PUNCT
ejge-10173	414	11	,	,	PUNCT
ejge-10173	414	12	577	577	NUM
ejge-10173	414	13	-	-	SYM
ejge-10173	414	14	622	622	NUM
ejge-10173	414	15	.	.	PUNCT
ejge-10173	415	1	https://doi.org/10.1057/s41267-020-00304-2	https://doi.org/10.1057/s41267-020-00304-2	NUM
ejge-10173	415	2	kasasbeh	kasasbeh	PROPN
ejge-10173	415	3	,	,	PUNCT
ejge-10173	415	4	f.i	f.i	PROPN
ejge-10173	415	5	.	.	PROPN
ejge-10173	415	6	(	(	PUNCT
ejge-10173	415	7	2021	2021	NUM
ejge-10173	415	8	)	)	PUNCT
ejge-10173	415	9	.	.	PUNCT
ejge-10173	416	1	impact	impact	NOUN
ejge-10173	416	2	of	of	ADP
ejge-10173	416	3	financing	financing	NOUN
ejge-10173	416	4	decisions	decision	NOUN
ejge-10173	416	5	ratios	ratio	NOUN
ejge-10173	416	6	on	on	ADP
ejge-10173	416	7	firm	firm	ADJ
ejge-10173	416	8	accounting	accounting	NOUN
ejge-10173	416	9	-	-	PUNCT
ejge-10173	416	10	based	base	VERB
ejge-10173	416	11	performance	performance	NOUN
ejge-10173	416	12	:	:	PUNCT
ejge-10173	416	13	evidence	evidence	NOUN
ejge-10173	416	14	from	from	ADP
ejge-10173	416	15	jordan	jordan	PROPN
ejge-10173	416	16	listed	list	VERB
ejge-10173	416	17	companies	company	NOUN
ejge-10173	416	18	.	.	PUNCT
ejge-10173	417	1	future	future	ADJ
ejge-10173	417	2	business	business	NOUN
ejge-10173	417	3	journal	journal	NOUN
ejge-10173	417	4	,	,	PUNCT
ejge-10173	417	5	7	7	NUM
ejge-10173	417	6	(	(	PUNCT
ejge-10173	417	7	1	1	NUM
ejge-10173	417	8	)	)	PUNCT
ejge-10173	417	9	,	,	PUNCT
ejge-10173	417	10	15	15	NUM
ejge-10173	417	11	-	-	SYM
ejge-10173	417	12	16	16	NUM
ejge-10173	417	13	.	.	PUNCT
ejge-10173	418	1	https://doi.org/10.1186/s43093-021-00061-0	https://doi.org/10.1186/s43093-021-00061-0	PROPN
ejge-10173	418	2	kiselakova	kiselakova	PROPN
ejge-10173	418	3	,	,	PUNCT
ejge-10173	418	4	d.	d.	PROPN
ejge-10173	418	5	,	,	PUNCT
ejge-10173	418	6	sofrankova	sofrankova	PROPN
ejge-10173	418	7	,	,	PUNCT
ejge-10173	418	8	b.	b.	PROPN
ejge-10173	418	9	,	,	PUNCT
ejge-10173	418	10	cabinova	cabinova	PROPN
ejge-10173	418	11	,	,	PUNCT
ejge-10173	418	12	v.	v.	PROPN
ejge-10173	418	13	&	&	CCONJ
ejge-10173	418	14	soltesova	soltesova	PROPN
ejge-10173	418	15	,	,	PUNCT
ejge-10173	418	16	j.	j.	PROPN
ejge-10173	418	17	(	(	PUNCT
ejge-10173	418	18	2018	2018	NUM
ejge-10173	418	19	)	)	PUNCT
ejge-10173	418	20	.	.	PUNCT
ejge-10173	419	1	analysis	analysis	NOUN
ejge-10173	419	2	of	of	ADP
ejge-10173	419	3	enterprise	enterprise	NOUN
ejge-10173	419	4	performance	performance	NOUN
ejge-10173	419	5	and	and	CCONJ
ejge-10173	419	6	competitiveness	competitiveness	NOUN
ejge-10173	419	7	to	to	PART
ejge-10173	419	8	streamline	streamline	VERB
ejge-10173	419	9	managerial	managerial	ADJ
ejge-10173	419	10	decisions	decision	NOUN
ejge-10173	419	11	.	.	PUNCT
ejge-10173	420	1	polish	polish	PROPN
ejge-10173	420	2	journal	journal	PROPN
ejge-10173	420	3	of	of	ADP
ejge-10173	420	4	management	management	NOUN
ejge-10173	420	5	studies	study	NOUN
ejge-10173	420	6	,	,	PUNCT
ejge-10173	420	7	17	17	NUM
ejge-10173	420	8	(	(	PUNCT
ejge-10173	420	9	2	2	NUM
ejge-10173	420	10	)	)	PUNCT
ejge-10173	420	11	,	,	PUNCT
ejge-10173	420	12	101	101	NUM
ejge-10173	420	13	-	-	SYM
ejge-10173	420	14	11	11	NUM
ejge-10173	420	15	.	.	PUNCT
ejge-10173	421	1	https://doi.org/10.17512/pjms.2018.17.2.09	https://doi.org/10.17512/pjms.2018.17.2.09	ADJ
ejge-10173	421	2	laitinen	laitinen	PROPN
ejge-10173	421	3	,	,	PUNCT
ejge-10173	421	4	e.k	e.k	PROPN
ejge-10173	421	5	.	.	PROPN
ejge-10173	421	6	(	(	PUNCT
ejge-10173	421	7	2018	2018	NUM
ejge-10173	421	8	)	)	PUNCT
ejge-10173	421	9	.	.	PUNCT
ejge-10173	422	1	financial	financial	ADJ
ejge-10173	422	2	reporting	reporting	NOUN
ejge-10173	422	3	:	:	PUNCT
ejge-10173	422	4	long	long	ADJ
ejge-10173	422	5	-	-	PUNCT
ejge-10173	422	6	term	term	NOUN
ejge-10173	422	7	change	change	NOUN
ejge-10173	422	8	of	of	ADP
ejge-10173	422	9	financial	financial	ADJ
ejge-10173	422	10	ratios	ratio	NOUN
ejge-10173	422	11	.	.	PUNCT
ejge-10173	423	1	american	american	PROPN
ejge-10173	423	2	journal	journal	PROPN
ejge-10173	423	3	of	of	ADP
ejge-10173	423	4	industrial	industrial	ADJ
ejge-10173	423	5	and	and	CCONJ
ejge-10173	423	6	business	business	NOUN
ejge-10173	423	7	management	management	NOUN
ejge-10173	423	8	,	,	PUNCT
ejge-10173	423	9	8	8	NUM
ejge-10173	423	10	(	(	PUNCT
ejge-10173	423	11	9	9	NUM
ejge-10173	423	12	)	)	PUNCT
ejge-10173	423	13	,	,	PUNCT
ejge-10173	423	14	1893	1893	NUM
ejge-10173	423	15	-	-	SYM
ejge-10173	423	16	927	927	NUM
ejge-10173	423	17	.	.	PUNCT
ejge-10173	424	1	https://doi.org/10.4236/ajibm.2018.89128	https://doi.org/10.4236/ajibm.2018.89128	PROPN
ejge-10173	424	2	le	le	PROPN
ejge-10173	424	3	,	,	PUNCT
ejge-10173	424	4	h.t	h.t	PROPN
ejge-10173	424	5	.	.	PROPN
ejge-10173	424	6	,	,	PUNCT
ejge-10173	424	7	hoang	hoang	PROPN
ejge-10173	424	8	,	,	PUNCT
ejge-10173	424	9	d.p	d.p	PROPN
ejge-10173	424	10	.	.	PROPN
ejge-10173	424	11	,	,	PUNCT
ejge-10173	424	12	doan	doan	PROPN
ejge-10173	424	13	,	,	PUNCT
ejge-10173	424	14	t.n	t.n	PROPN
ejge-10173	424	15	.	.	PROPN
ejge-10173	424	16	,	,	PUNCT
ejge-10173	424	17	pham	pham	PROPN
ejge-10173	424	18	,	,	PUNCT
ejge-10173	424	19	c.h	c.h	PROPN
ejge-10173	424	20	.	.	PROPN
ejge-10173	424	21	&	&	CCONJ
ejge-10173	424	22	to	to	ADP
ejge-10173	424	23	,	,	PUNCT
ejge-10173	424	24	t.t	t.t	PROPN
ejge-10173	424	25	.	.	PROPN
ejge-10173	424	26	(	(	PUNCT
ejge-10173	424	27	2021	2021	NUM
ejge-10173	424	28	)	)	PUNCT
ejge-10173	424	29	.	.	PUNCT
ejge-10173	425	1	global	global	ADJ
ejge-10173	425	2	economic	economic	ADJ
ejge-10173	425	3	sanctions	sanction	NOUN
ejge-10173	425	4	,	,	PUNCT
ejge-10173	425	5	global	global	ADJ
ejge-10173	425	6	value	value	NOUN
ejge-10173	425	7	chains	chain	NOUN
ejge-10173	425	8	and	and	CCONJ
ejge-10173	425	9	institutional	institutional	ADJ
ejge-10173	425	10	quality	quality	NOUN
ejge-10173	425	11	:	:	PUNCT
ejge-10173	425	12	empirical	empirical	ADJ
ejge-10173	425	13	evidence	evidence	NOUN
ejge-10173	425	14	from	from	ADP
ejge-10173	425	15	cross	cross	ADJ
ejge-10173	425	16	-	-	ADJ
ejge-10173	425	17	country	country	ADJ
ejge-10173	425	18	data	datum	NOUN
ejge-10173	425	19	.	.	PUNCT
ejge-10173	426	1	journal	journal	PROPN
ejge-10173	426	2	of	of	ADP
ejge-10173	426	3	international	international	ADJ
ejge-10173	426	4	trade	trade	NOUN
ejge-10173	426	5	and	and	CCONJ
ejge-10173	426	6	economic	economic	ADJ
ejge-10173	426	7	development	development	NOUN
ejge-10173	426	8	,	,	PUNCT
ejge-10173	426	9	31	31	NUM
ejge-10173	426	10	(	(	PUNCT
ejge-10173	426	11	3	3	NUM
ejge-10173	426	12	)	)	PUNCT
ejge-10173	426	13	,	,	PUNCT
ejge-10173	426	14	427	427	NUM
ejge-10173	426	15	-	-	SYM
ejge-10173	426	16	449	449	NUM
ejge-10173	426	17	.	.	PUNCT
ejge-10173	427	1	https://doi.org/10.1080/09638199.2021.1983634	https://doi.org/10.1080/09638199.2021.1983634	PROPN
ejge-10173	427	2	lee	lee	PROPN
ejge-10173	427	3	,	,	PUNCT
ejge-10173	427	4	y.	y.	PROPN
ejge-10173	427	5	&	&	CCONJ
ejge-10173	427	6	falahat	falahat	PROPN
ejge-10173	427	7	,	,	PUNCT
ejge-10173	427	8	m.	m.	NOUN
ejge-10173	427	9	(	(	PUNCT
ejge-10173	427	10	2019	2019	NUM
ejge-10173	427	11	)	)	PUNCT
ejge-10173	427	12	.	.	PUNCT
ejge-10173	428	1	the	the	DET
ejge-10173	428	2	impact	impact	NOUN
ejge-10173	428	3	of	of	ADP
ejge-10173	428	4	digitalization	digitalization	NOUN
ejge-10173	428	5	and	and	CCONJ
ejge-10173	428	6	resources	resource	NOUN
ejge-10173	428	7	on	on	ADP
ejge-10173	428	8	gaining	gain	VERB
ejge-10173	428	9	competitive	competitive	ADJ
ejge-10173	428	10	advantage	advantage	NOUN
ejge-10173	428	11	in	in	ADP
ejge-10173	428	12	international	international	ADJ
ejge-10173	428	13	markets	market	NOUN
ejge-10173	428	14	:	:	PUNCT
ejge-10173	428	15	mediating	mediate	VERB
ejge-10173	428	16	role	role	NOUN
ejge-10173	428	17	of	of	ADP
ejge-10173	428	18	marketing	marketing	NOUN
ejge-10173	428	19	,	,	PUNCT
ejge-10173	428	20	innovation	innovation	NOUN
ejge-10173	428	21	and	and	CCONJ
ejge-10173	428	22	learning	learn	VERB
ejge-10173	428	23	capabilities	capability	NOUN
ejge-10173	428	24	.	.	PUNCT
ejge-10173	429	1	technology	technology	NOUN
ejge-10173	429	2	innovation	innovation	NOUN
ejge-10173	429	3	management	management	NOUN
ejge-10173	429	4	review	review	NOUN
ejge-10173	429	5	,	,	PUNCT
ejge-10173	429	6	9	9	NUM
ejge-10173	429	7	(	(	PUNCT
ejge-10173	429	8	11	11	NUM
ejge-10173	429	9	)	)	PUNCT
ejge-10173	429	10	,	,	PUNCT
ejge-10173	429	11	26	26	NUM
ejge-10173	429	12	-	-	SYM
ejge-10173	429	13	39	39	NUM
ejge-10173	429	14	.	.	PUNCT
ejge-10173	430	1	li	li	PROPN
ejge-10173	430	2	,	,	PUNCT
ejge-10173	430	3	f.	f.	PROPN
ejge-10173	430	4	,	,	PUNCT
ejge-10173	430	5	frederick	frederick	PROPN
ejge-10173	430	6	,	,	PUNCT
ejge-10173	430	7	s.	s.	PROPN
ejge-10173	430	8	&	&	CCONJ
ejge-10173	430	9	gereffi	gereffi	PROPN
ejge-10173	430	10	,	,	PUNCT
ejge-10173	430	11	g.	g.	PROPN
ejge-10173	430	12	(	(	PUNCT
ejge-10173	430	13	2019	2019	NUM
ejge-10173	430	14	)	)	PUNCT
ejge-10173	430	15	.	.	PUNCT
ejge-10173	431	1	e	e	X
ejge-10173	431	2	-	-	NOUN
ejge-10173	431	3	commerce	commerce	NOUN
ejge-10173	431	4	and	and	CCONJ
ejge-10173	431	5	industrial	industrial	ADJ
ejge-10173	431	6	upgrading	upgrading	NOUN
ejge-10173	431	7	in	in	ADP
ejge-10173	431	8	the	the	DET
ejge-10173	431	9	chinese	chinese	ADJ
ejge-10173	431	10	apparel	apparel	NOUN
ejge-10173	431	11	value	value	NOUN
ejge-10173	431	12	chain	chain	NOUN
ejge-10173	431	13	.	.	PUNCT
ejge-10173	432	1	journal	journal	PROPN
ejge-10173	432	2	of	of	ADP
ejge-10173	432	3	contemporary	contemporary	PROPN
ejge-10173	432	4	asia	asia	PROPN
ejge-10173	432	5	,	,	PUNCT
ejge-10173	432	6	49	49	NUM
ejge-10173	432	7	(	(	PUNCT
ejge-10173	432	8	1	1	NUM
ejge-10173	432	9	)	)	PUNCT
ejge-10173	432	10	,	,	PUNCT
ejge-10173	432	11	24	24	NUM
ejge-10173	432	12	-	-	SYM
ejge-10173	432	13	53	53	NUM
ejge-10173	432	14	.	.	PUNCT
ejge-10173	432	15	https://doi.org/10.1080/00472336.2018.1481220	https://doi.org/10.1080/00472336.2018.1481220	PROPN
ejge-10173	433	1	liu	liu	PROPN
ejge-10173	433	2	,	,	PUNCT
ejge-10173	433	3	w.	w.	PROPN
ejge-10173	433	4	,	,	PUNCT
ejge-10173	433	5	zhang	zhang	PROPN
ejge-10173	433	6	,	,	PUNCT
ejge-10173	433	7	j.	j.	PROPN
ejge-10173	433	8	,	,	PUNCT
ejge-10173	433	9	wei	wei	PROPN
ejge-10173	433	10	,	,	PUNCT
ejge-10173	433	11	s.	s.	PROPN
ejge-10173	433	12	&	&	CCONJ
ejge-10173	433	13	wang	wang	PROPN
ejge-10173	433	14	,	,	PUNCT
ejge-10173	433	15	d.	d.	PROPN
ejge-10173	433	16	(	(	PUNCT
ejge-10173	433	17	2021	2021	NUM
ejge-10173	433	18	)	)	PUNCT
ejge-10173	433	19	.	.	PUNCT
ejge-10173	434	1	factors	factor	NOUN
ejge-10173	434	2	influencing	influence	VERB
ejge-10173	434	3	organisational	organisational	ADJ
ejge-10173	434	4	efficiency	efficiency	NOUN
ejge-10173	434	5	in	in	ADP
ejge-10173	434	6	a	a	DET
ejge-10173	434	7	smartlogistics	smartlogistic	NOUN
ejge-10173	434	8	ecological	ecological	ADJ
ejge-10173	434	9	chain	chain	NOUN
ejge-10173	434	10	under	under	ADP
ejge-10173	434	11	e	e	NOUN
ejge-10173	434	12	-	-	NOUN
ejge-10173	434	13	commerce	commerce	NOUN
ejge-10173	434	14	platform	platform	NOUN
ejge-10173	434	15	leadership	leadership	NOUN
ejge-10173	434	16	.	.	PUNCT
ejge-10173	435	1	international	international	ADJ
ejge-10173	435	2	journal	journal	PROPN
ejge-10173	435	3	of	of	ADP
ejge-10173	435	4	logistics	logistic	NOUN
ejge-10173	435	5	research	research	NOUN
ejge-10173	435	6	and	and	CCONJ
ejge-10173	435	7	applications	application	NOUN
ejge-10173	435	8	,	,	PUNCT
ejge-10173	435	9	24	24	NUM
ejge-10173	435	10	(	(	PUNCT
ejge-10173	435	11	4	4	NUM
ejge-10173	435	12	)	)	PUNCT
ejge-10173	435	13	,	,	PUNCT
ejge-10173	435	14	364	364	NUM
ejge-10173	435	15	-	-	SYM
ejge-10173	435	16	391	391	NUM
ejge-10173	435	17	.	.	PUNCT
ejge-10173	436	1	https://doi.org/10.1080/13675567.2020.1758643	https://doi.org/10.1080/13675567.2020.1758643	PROPN
ejge-10173	437	1	longbing	longbe	VERB
ejge-10173	437	2	c.	c.	PROPN
ejge-10173	437	3	,	,	PUNCT
ejge-10173	437	4	yang	yang	PROPN
ejge-10173	437	5	,	,	PUNCT
ejge-10173	437	6	q.	q.	PROPN
ejge-10173	437	7	&	&	CCONJ
ejge-10173	437	8	yu	yu	PROPN
ejge-10173	437	9	,	,	PUNCT
ejge-10173	437	10	p.s	p.s	PROPN
ejge-10173	437	11	.	.	PROPN
ejge-10173	437	12	(	(	PUNCT
ejge-10173	437	13	2021	2021	NUM
ejge-10173	437	14	)	)	PUNCT
ejge-10173	437	15	.	.	PUNCT
ejge-10173	438	1	data	datum	NOUN
ejge-10173	438	2	science	science	NOUN
ejge-10173	438	3	and	and	CCONJ
ejge-10173	438	4	ai	ai	VERB
ejge-10173	438	5	in	in	ADP
ejge-10173	438	6	fintech	fintech	NOUN
ejge-10173	438	7	:	:	PUNCT
ejge-10173	438	8	an	an	DET
ejge-10173	438	9	overview	overview	NOUN
ejge-10173	438	10	.	.	PUNCT
ejge-10173	439	1	international	international	ADJ
ejge-10173	439	2	journal	journal	PROPN
ejge-10173	439	3	of	of	ADP
ejge-10173	439	4	data	data	PROPN
ejge-10173	439	5	science	science	NOUN
ejge-10173	439	6	and	and	CCONJ
ejge-10173	439	7	analytics	analytic	NOUN
ejge-10173	439	8	,	,	PUNCT
ejge-10173	439	9	12:81	12:81	NUM
ejge-10173	439	10	-	-	SYM
ejge-10173	439	11	99	99	NUM
ejge-10173	439	12	.	.	PUNCT
ejge-10173	440	1	https://doi.org/10.1007/s41060-021-00278-w	https://doi.org/10.1007/s41060-021-00278-w	PROPN
ejge-10173	440	2	lukacova	lukacova	PROPN
ejge-10173	440	3	,	,	PUNCT
ejge-10173	440	4	m.	m.	NOUN
ejge-10173	440	5	,	,	PUNCT
ejge-10173	440	6	korecko	korecko	PROPN
ejge-10173	440	7	,	,	PUNCT
ejge-10173	440	8	j.	j.	PROPN
ejge-10173	440	9	,	,	PUNCT
ejge-10173	440	10	jencova	jencova	PROPN
ejge-10173	440	11	,	,	PUNCT
ejge-10173	440	12	s.	s.	PROPN
ejge-10173	440	13	&	&	CCONJ
ejge-10173	440	14	juskova	juskova	PROPN
ejge-10173	440	15	,	,	PUNCT
ejge-10173	440	16	m.	m.	NOUN
ejge-10173	440	17	(	(	PUNCT
ejge-10173	440	18	2020	2020	NUM
ejge-10173	440	19	)	)	PUNCT
ejge-10173	440	20	.	.	PUNCT
ejge-10173	441	1	analysis	analysis	NOUN
ejge-10173	441	2	of	of	ADP
ejge-10173	441	3	selected	select	VERB
ejge-10173	441	4	indicators	indicator	NOUN
ejge-10173	441	5	of	of	ADP
ejge-10173	441	6	tax	tax	NOUN
ejge-10173	441	7	competition	competition	NOUN
ejge-10173	441	8	and	and	CCONJ
ejge-10173	441	9	tax	tax	NOUN
ejge-10173	441	10	harmonization	harmonization	NOUN
ejge-10173	441	11	in	in	ADP
ejge-10173	441	12	the	the	DET
ejge-10173	441	13	eu	eu	PROPN
ejge-10173	441	14	.	.	PROPN
ejge-10173	441	15	entrepreneurship	entrepreneurship	NOUN
ejge-10173	441	16	and	and	CCONJ
ejge-10173	441	17	sustainability	sustainability	NOUN
ejge-10173	441	18	,	,	PUNCT
ejge-10173	441	19	8	8	NUM
ejge-10173	441	20	(	(	PUNCT
ejge-10173	441	21	1	1	NUM
ejge-10173	441	22	)	)	PUNCT
ejge-10173	441	23	,	,	PUNCT
ejge-10173	441	24	123	123	NUM
ejge-10173	441	25	-	-	SYM
ejge-10173	441	26	37	37	NUM
ejge-10173	441	27	.	.	PUNCT
ejge-10173	442	1	https://doi.org/10.9770/jesi.2020.8.1(8	https://doi.org/10.9770/jesi.2020.8.1(8	PROPN
ejge-10173	442	2	)	)	PUNCT
ejge-10173	443	1	mccormick	mccormick	PROPN
ejge-10173	443	2	,	,	PUNCT
ejge-10173	443	3	m.	m.	PROPN
ejge-10173	443	4	&	&	CCONJ
ejge-10173	443	5	somaya	somaya	PROPN
ejge-10173	443	6	,	,	PUNCT
ejge-10173	443	7	d.	d.	PROPN
ejge-10173	443	8	(	(	PUNCT
ejge-10173	443	9	2020	2020	NUM
ejge-10173	443	10	)	)	PUNCT
ejge-10173	443	11	.	.	PUNCT
ejge-10173	444	1	born	bear	VERB
ejge-10173	444	2	globals	global	NOUN
ejge-10173	444	3	from	from	ADP
ejge-10173	444	4	emerging	emerge	VERB
ejge-10173	444	5	economies	economy	NOUN
ejge-10173	444	6	:	:	PUNCT
ejge-10173	444	7	reconciling	reconcile	VERB
ejge-10173	444	8	early	early	ADV
ejge-10173	444	9	exporting	export	VERB
ejge-10173	444	10	with	with	ADP
ejge-10173	444	11	theories	theory	NOUN
ejge-10173	444	12	of	of	ADP
ejge-10173	444	13	internationalization	internationalization	NOUN
ejge-10173	444	14	.	.	PUNCT
ejge-10173	445	1	global	global	ADJ
ejge-10173	445	2	strategy	strategy	PROPN
ejge-10173	445	3	journal	journal	PROPN
ejge-10173	445	4	,	,	PUNCT
ejge-10173	445	5	10	10	NUM
ejge-10173	445	6	(	(	PUNCT
ejge-10173	445	7	2	2	NUM
ejge-10173	445	8	)	)	PUNCT
ejge-10173	445	9	,	,	PUNCT
ejge-10173	445	10	251	251	NUM
ejge-10173	445	11	-	-	SYM
ejge-10173	445	12	281	281	NUM
ejge-10173	445	13	.	.	PUNCT
ejge-10173	446	1	https://doi.org/10.1002/gsj.1368	https://doi.org/10.1002/gsj.1368	PROPN
ejge-10173	446	2	meltzer	meltzer	PROPN
ejge-10173	446	3	,	,	PUNCT
ejge-10173	446	4	j.p	j.p	PROPN
ejge-10173	446	5	.	.	PROPN
ejge-10173	446	6	(	(	PUNCT
ejge-10173	446	7	2019	2019	NUM
ejge-10173	446	8	)	)	PUNCT
ejge-10173	446	9	.	.	PUNCT
ejge-10173	447	1	governing	govern	VERB
ejge-10173	447	2	digital	digital	ADJ
ejge-10173	447	3	trade	trade	NOUN
ejge-10173	447	4	.	.	PUNCT
ejge-10173	448	1	world	world	NOUN
ejge-10173	448	2	trade	trade	PROPN
ejge-10173	448	3	review	review	PROPN
ejge-10173	448	4	,	,	PUNCT
ejge-10173	448	5	18	18	NUM
ejge-10173	448	6	(	(	PUNCT
ejge-10173	448	7	1	1	NUM
ejge-10173	448	8	)	)	PUNCT
ejge-10173	448	9	,	,	PUNCT
ejge-10173	448	10	23	23	NUM
ejge-10173	448	11	-	-	SYM
ejge-10173	448	12	48	48	NUM
ejge-10173	448	13	.	.	PUNCT
ejge-10173	449	1	https://doi.org/10.1017/s1474745618000502	https://doi.org/10.1017/s1474745618000502	NUM
ejge-10173	449	2	nguyen	nguyen	NOUN
ejge-10173	449	3	,	,	PUNCT
ejge-10173	449	4	c.p	c.p	PROPN
ejge-10173	449	5	.	.	PROPN
ejge-10173	449	6	,	,	PUNCT
ejge-10173	449	7	schinckus	schinckus	NOUN
ejge-10173	449	8	,	,	PUNCT
ejge-10173	449	9	c.	c.	PROPN
ejge-10173	449	10	&	&	CCONJ
ejge-10173	449	11	su	su	PROPN
ejge-10173	449	12	,	,	PUNCT
ejge-10173	449	13	t.d	t.d	PROPN
ejge-10173	449	14	.	.	PUNCT
ejge-10173	449	15	(	(	PUNCT
ejge-10173	449	16	2020	2020	NUM
ejge-10173	449	17	)	)	PUNCT
ejge-10173	449	18	.	.	PUNCT
ejge-10173	450	1	the	the	DET
ejge-10173	450	2	drivers	driver	NOUN
ejge-10173	450	3	of	of	ADP
ejge-10173	450	4	economic	economic	ADJ
ejge-10173	450	5	complexity	complexity	NOUN
ejge-10173	450	6	:	:	PUNCT
ejge-10173	450	7	international	international	ADJ
ejge-10173	450	8	evidence	evidence	NOUN
ejge-10173	450	9	from	from	ADP
ejge-10173	450	10	financial	financial	ADJ
ejge-10173	450	11	development	development	NOUN
ejge-10173	450	12	and	and	CCONJ
ejge-10173	450	13	patents	patent	NOUN
ejge-10173	450	14	.	.	PUNCT
ejge-10173	451	1	international	international	ADJ
ejge-10173	451	2	economics	economic	NOUN
ejge-10173	451	3	,	,	PUNCT
ejge-10173	451	4	164	164	NUM
ejge-10173	451	5	,	,	PUNCT
ejge-10173	451	6	140	140	NUM
ejge-10173	451	7	-	-	SYM
ejge-10173	451	8	150	150	NUM
ejge-10173	451	9	.	.	PUNCT
ejge-10173	452	1	https://doi.org/10.1016/j.inteco.2020.09.004	https://doi.org/10.1016/j.inteco.2020.09.004	VERB
ejge-10173	452	2	niemand	niemand	NOUN
ejge-10173	452	3	,	,	PUNCT
ejge-10173	452	4	t.	t.	NOUN
ejge-10173	452	5	,	,	PUNCT
ejge-10173	452	6	rigtering	rigtering	NOUN
ejge-10173	452	7	,	,	PUNCT
ejge-10173	452	8	j.p.c	j.p.c	PROPN
ejge-10173	452	9	.	.	PROPN
ejge-10173	452	10	,	,	PUNCT
ejge-10173	452	11	kallmünzer	kallmünzer	PROPN
ejge-10173	452	12	,	,	PUNCT
ejge-10173	452	13	a.	a.	NOUN
ejge-10173	452	14	,	,	PUNCT
ejge-10173	452	15	krauch	krauch	PROPN
ejge-10173	452	16	,	,	PUNCT
ejge-10173	452	17	s.	s.	PROPN
ejge-10173	452	18	&	&	CCONJ
ejge-10173	452	19	maalaoui	maalaoui	PROPN
ejge-10173	452	20	,	,	PUNCT
ejge-10173	452	21	a.	a.	NOUN
ejge-10173	452	22	(	(	PUNCT
ejge-10173	452	23	2021	2021	NUM
ejge-10173	452	24	)	)	PUNCT
ejge-10173	452	25	.	.	PUNCT
ejge-10173	453	1	digitalization	digitalization	NOUN
ejge-10173	453	2	in	in	ADP
ejge-10173	453	3	the	the	DET
ejge-10173	453	4	financial	financial	ADJ
ejge-10173	453	5	industry	industry	NOUN
ejge-10173	453	6	:	:	PUNCT
ejge-10173	453	7	a	a	DET
ejge-10173	453	8	contingency	contingency	NOUN
ejge-10173	453	9	approach	approach	NOUN
ejge-10173	453	10	of	of	ADP
ejge-10173	453	11	entrepreneurial	entrepreneurial	ADJ
ejge-10173	453	12	orientation	orientation	NOUN
ejge-10173	453	13	and	and	CCONJ
ejge-10173	453	14	strategic	strategic	ADJ
ejge-10173	453	15	vision	vision	NOUN
ejge-10173	453	16	on	on	ADP
ejge-10173	453	17	digitalization	digitalization	NOUN
ejge-10173	453	18	.	.	PUNCT
ejge-10173	454	1	european	european	ADJ
ejge-10173	454	2	management	management	PROPN
ejge-10173	454	3	journal	journal	PROPN
ejge-10173	454	4	,	,	PUNCT
ejge-10173	454	5	39	39	NUM
ejge-10173	454	6	(	(	PUNCT
ejge-10173	454	7	3	3	NUM
ejge-10173	454	8	):	):	PUNCT
ejge-10173	454	9	317	317	NUM
ejge-10173	454	10	-	-	SYM
ejge-10173	454	11	326	326	NUM
ejge-10173	454	12	.	.	PUNCT
ejge-10173	455	1	https://doi.org/10.1016/j.emj.2020.04.008	https://doi.org/10.1016/j.emj.2020.04.008	NOUN
ejge-10173	455	2	https://doi.org/10.3991/ijim.v17i22.45261	https://doi.org/10.3991/ijim.v17i22.45261	X
ejge-10173	455	3	https://doi.org/10.1080/14765284.2020.1855051	https://doi.org/10.1080/14765284.2020.1855051	PROPN
ejge-10173	455	4	https://doi.org/10.1016/j.jbusres.2022.03.034	https://doi.org/10.1016/j.jbusres.2022.03.034	NUM
ejge-10173	455	5	https://doi.org/10.1111/rsp3.12687	https://doi.org/10.1111/rsp3.12687	ADJ
ejge-10173	455	6	https://doi.org/10.3390/jrfm15090401	https://doi.org/10.3390/jrfm15090401	NOUN
ejge-10173	455	7	https://doi.org/10.3390/jtaer17040065	https://doi.org/10.3390/jtaer17040065	NOUN
ejge-10173	455	8	https://doi.org/10.1057/s41267-020-00304-2	https://doi.org/10.1057/s41267-020-00304-2	NUM
ejge-10173	455	9	https://doi.org/10.1186/s43093-021-00061-0	https://doi.org/10.1186/s43093-021-00061-0	PROPN
ejge-10173	455	10	https://doi.org/10.17512/pjms.2018.17.2.09	https://doi.org/10.17512/pjms.2018.17.2.09	PROPN
ejge-10173	455	11	https://doi.org/10.4236/ajibm.2018.89128	https://doi.org/10.4236/ajibm.2018.89128	PROPN
ejge-10173	455	12	https://doi.org/10.1080/09638199.2021.1983634	https://doi.org/10.1080/09638199.2021.1983634	PROPN
ejge-10173	455	13	https://doi.org/10.1080/00472336.2018.1481220	https://doi.org/10.1080/00472336.2018.1481220	PUNCT
ejge-10173	456	1	https://doi.org/10.1080/13675567.2020.1758643	https://doi.org/10.1080/13675567.2020.1758643	PROPN
ejge-10173	456	2	https://doi.org/10.1007/s41060-021-00278-w	https://doi.org/10.1007/s41060-021-00278-w	PROPN
ejge-10173	456	3	https://doi.org/10.9770/jesi.2020.8.1(8	https://doi.org/10.9770/jesi.2020.8.1(8	PROPN
ejge-10173	456	4	)	)	PUNCT
ejge-10173	457	1	https://doi.org/10.1002/gsj.1368	https://doi.org/10.1002/gsj.1368	PROPN
ejge-10173	457	2	https://doi.org/10.1017/s1474745618000502	https://doi.org/10.1017/s1474745618000502	NUM
ejge-10173	457	3	https://doi.org/10.1016/j.inteco.2020.09.004	https://doi.org/10.1016/j.inteco.2020.09.004	PROPN
ejge-10173	457	4	https://doi.org/10.1016/j.emj.2020.04.008	https://doi.org/10.1016/j.emj.2020.04.008	PROPN
ejge-10173	457	5	224	224	NUM
ejge-10173	457	6	gentjan	gentjan	NOUN
ejge-10173	457	7	shaquiri	shaquiri	NOUN
ejge-10173	457	8	et	et	PROPN
ejge-10173	457	9	al	al	PROPN
ejge-10173	457	10	.	.	PUNCT
ejge-10173	458	1	nugraha	nugraha	PROPN
ejge-10173	458	2	,	,	PUNCT
ejge-10173	458	3	d.p	d.p	PROPN
ejge-10173	458	4	.	.	PROPN
ejge-10173	458	5	,	,	PUNCT
ejge-10173	458	6	setiawan	setiawan	PROPN
ejge-10173	458	7	,	,	PUNCT
ejge-10173	458	8	b.	b.	PROPN
ejge-10173	458	9	,	,	PUNCT
ejge-10173	458	10	nathan	nathan	PROPN
ejge-10173	458	11	,	,	PUNCT
ejge-10173	458	12	r.j	r.j	PROPN
ejge-10173	458	13	.	.	PROPN
ejge-10173	458	14	&	&	CCONJ
ejge-10173	458	15	fekete	fekete	PROPN
ejge-10173	458	16	-	-	PUNCT
ejge-10173	458	17	farkas	farkas	PROPN
ejge-10173	458	18	,	,	PUNCT
ejge-10173	458	19	m.	m.	NOUN
ejge-10173	458	20	(	(	PUNCT
ejge-10173	458	21	2022	2022	NUM
ejge-10173	458	22	)	)	PUNCT
ejge-10173	458	23	.	.	PUNCT
ejge-10173	459	1	fintech	fintech	NOUN
ejge-10173	459	2	adoption	adoption	NOUN
ejge-10173	459	3	drivers	driver	NOUN
ejge-10173	459	4	for	for	ADP
ejge-10173	459	5	innovation	innovation	NOUN
ejge-10173	459	6	for	for	ADP
ejge-10173	459	7	smes	sme	NOUN
ejge-10173	459	8	in	in	ADP
ejge-10173	459	9	indonesia	indonesia	PROPN
ejge-10173	459	10	.	.	PROPN
ejge-10173	460	1	journal	journal	PROPN
ejge-10173	460	2	of	of	ADP
ejge-10173	460	3	open	open	ADJ
ejge-10173	460	4	innovation	innovation	NOUN
ejge-10173	460	5	:	:	PUNCT
ejge-10173	460	6	technology	technology	NOUN
ejge-10173	460	7	,	,	PUNCT
ejge-10173	460	8	market	market	NOUN
ejge-10173	460	9	and	and	CCONJ
ejge-10173	460	10	complexity	complexity	NOUN
ejge-10173	460	11	,	,	PUNCT
ejge-10173	460	12	8(4	8(4	NUM
ejge-10173	460	13	)	)	PUNCT
ejge-10173	460	14	,	,	PUNCT
ejge-10173	460	15	208	208	NUM
ejge-10173	460	16	.	.	PUNCT
ejge-10173	460	17	https://doi.org/10.3390/joitmc8040208	https://doi.org/10.3390/joitmc8040208	NOUN
ejge-10173	460	18	odorović	odorović	PROPN
ejge-10173	460	19	,	,	PUNCT
ejge-10173	460	20	a.	a.	NOUN
ejge-10173	460	21	,	,	PUNCT
ejge-10173	460	22	mckain	mckain	NOUN
ejge-10173	460	23	,	,	PUNCT
ejge-10173	460	24	g.	g.	PROPN
ejge-10173	460	25	,	,	PUNCT
ejge-10173	460	26	garvey	garvey	PROPN
ejge-10173	460	27	,	,	PUNCT
ejge-10173	460	28	k.	k.	PROPN
ejge-10173	460	29	,	,	PUNCT
ejge-10173	460	30	schizas	schiza	VERB
ejge-10173	460	31	,	,	PUNCT
ejge-10173	460	32	e.	e.	PROPN
ejge-10173	460	33	,	,	PUNCT
ejge-10173	460	34	zhang	zhang	PROPN
ejge-10173	460	35	,	,	PUNCT
ejge-10173	460	36	b.z	b.z	PROPN
ejge-10173	460	37	.	.	PROPN
ejge-10173	460	38	,	,	PUNCT
ejge-10173	460	39	rowan	rowan	PROPN
ejge-10173	460	40	,	,	PUNCT
ejge-10173	460	41	ph	ph	PROPN
ejge-10173	460	42	.	.	PROPN
ejge-10173	460	43	&	&	CCONJ
ejge-10173	460	44	ziegler	ziegler	PROPN
ejge-10173	460	45	,	,	PUNCT
ejge-10173	460	46	t.	t.	PROPN
ejge-10173	460	47	(	(	PUNCT
ejge-10173	460	48	2020	2020	NUM
ejge-10173	460	49	)	)	PUNCT
ejge-10173	460	50	.	.	PUNCT
ejge-10173	461	1	fintech	fintech	NOUN
ejge-10173	461	2	innovation	innovation	NOUN
ejge-10173	461	3	in	in	ADP
ejge-10173	461	4	the	the	DET
ejge-10173	461	5	western	western	ADJ
ejge-10173	461	6	balkans	balkans	PROPN
ejge-10173	461	7	:	:	PUNCT
ejge-10173	461	8	policy	policy	NOUN
ejge-10173	461	9	and	and	CCONJ
ejge-10173	461	10	regulatory	regulatory	ADJ
ejge-10173	461	11	implications	implication	NOUN
ejge-10173	461	12	and	and	CCONJ
ejge-10173	461	13	potential	potential	ADJ
ejge-10173	461	14	interventions	intervention	NOUN
ejge-10173	461	15	.	.	PUNCT
ejge-10173	462	1	avalaible	avalaible	ADJ
ejge-10173	462	2	at	at	ADP
ejge-10173	462	3	ssrn	ssrn	PROPN
ejge-10173	462	4	:	:	PUNCT
ejge-10173	462	5	https://doi.org/10.2139/ssrn.3619214	https://doi.org/10.2139/ssrn.3619214	PROPN
ejge-10173	462	6	oecd	oecd	PROPN
ejge-10173	462	7	(	(	PUNCT
ejge-10173	462	8	2023	2023	NUM
ejge-10173	462	9	)	)	PUNCT
ejge-10173	462	10	.	.	PUNCT
ejge-10173	463	1	regulatory	regulatory	ADJ
ejge-10173	463	2	sandboxes	sandbox	NOUN
ejge-10173	463	3	in	in	ADP
ejge-10173	463	4	artificial	artificial	ADJ
ejge-10173	463	5	intelligence	intelligence	NOUN
ejge-10173	463	6	.	.	PUNCT
ejge-10173	464	1	oecd	oecd	PROPN
ejge-10173	464	2	digital	digital	ADJ
ejge-10173	464	3	economy	economy	NOUN
ejge-10173	464	4	papers	paper	NOUN
ejge-10173	464	5	,	,	PUNCT
ejge-10173	464	6	no	no	INTJ
ejge-10173	464	7	.	.	NOUN
ejge-10173	464	8	356	356	NUM
ejge-10173	464	9	,	,	PUNCT
ejge-10173	464	10	oecd	oecd	PROPN
ejge-10173	464	11	publishing	publishing	NOUN
ejge-10173	464	12	,	,	PUNCT
ejge-10173	464	13	paris	paris	PROPN
ejge-10173	464	14	.	.	PUNCT
ejge-10173	465	1	pananond	pananond	PROPN
ejge-10173	465	2	,	,	PUNCT
ejge-10173	465	3	p.	p.	NOUN
ejge-10173	465	4	,	,	PUNCT
ejge-10173	465	5	gereffi	gereffi	PROPN
ejge-10173	465	6	,	,	PUNCT
ejge-10173	465	7	g.	g.	PROPN
ejge-10173	465	8	&	&	CCONJ
ejge-10173	465	9	pedersen	pedersen	PROPN
ejge-10173	465	10	,	,	PUNCT
ejge-10173	465	11	t.	t.	PROPN
ejge-10173	465	12	(	(	PUNCT
ejge-10173	465	13	2020	2020	NUM
ejge-10173	465	14	)	)	PUNCT
ejge-10173	465	15	.	.	PUNCT
ejge-10173	466	1	an	an	DET
ejge-10173	466	2	integrative	integrative	ADJ
ejge-10173	466	3	typology	typology	NOUN
ejge-10173	466	4	of	of	ADP
ejge-10173	466	5	global	global	ADJ
ejge-10173	466	6	strategy	strategy	NOUN
ejge-10173	466	7	and	and	CCONJ
ejge-10173	466	8	global	global	ADJ
ejge-10173	466	9	value	value	NOUN
ejge-10173	466	10	chains	chain	NOUN
ejge-10173	466	11	:	:	PUNCT
ejge-10173	466	12	the	the	DET
ejge-10173	466	13	management	management	NOUN
ejge-10173	466	14	and	and	CCONJ
ejge-10173	466	15	organization	organization	NOUN
ejge-10173	466	16	of	of	ADP
ejge-10173	466	17	cross	cross	ADJ
ejge-10173	466	18	-	-	ADJ
ejge-10173	466	19	border	border	ADJ
ejge-10173	466	20	activities	activity	NOUN
ejge-10173	466	21	.	.	PUNCT
ejge-10173	467	1	global	global	ADJ
ejge-10173	467	2	strategy	strategy	PROPN
ejge-10173	467	3	journal	journal	PROPN
ejge-10173	467	4	,	,	PUNCT
ejge-10173	467	5	10	10	NUM
ejge-10173	467	6	(	(	PUNCT
ejge-10173	467	7	3	3	NUM
ejge-10173	467	8	)	)	PUNCT
ejge-10173	467	9	,	,	PUNCT
ejge-10173	467	10	421	421	NUM
ejge-10173	467	11	-	-	SYM
ejge-10173	467	12	443	443	NUM
ejge-10173	467	13	.	.	PUNCT
ejge-10173	468	1	https://doi.org/10.1002/gsj.1388	https://doi.org/10.1002/gsj.1388	PRON
ejge-10173	468	2	pasquali	pasquali	PROPN
ejge-10173	468	3	,	,	PUNCT
ejge-10173	468	4	g.	g.	PROPN
ejge-10173	468	5	,	,	PUNCT
ejge-10173	468	6	godfrey	godfrey	PROPN
ejge-10173	468	7	,	,	PUNCT
ejge-10173	468	8	s.	s.	PROPN
ejge-10173	468	9	&	&	CCONJ
ejge-10173	468	10	nadvi	nadvi	PROPN
ejge-10173	468	11	,	,	PUNCT
ejge-10173	468	12	k.	k.	PROPN
ejge-10173	468	13	(	(	PUNCT
ejge-10173	468	14	2021	2021	NUM
ejge-10173	468	15	)	)	PUNCT
ejge-10173	468	16	.	.	PUNCT
ejge-10173	469	1	understanding	understand	VERB
ejge-10173	469	2	regional	regional	ADJ
ejge-10173	469	3	value	value	NOUN
ejge-10173	469	4	chains	chain	NOUN
ejge-10173	469	5	through	through	ADP
ejge-10173	469	6	the	the	DET
ejge-10173	469	7	interaction	interaction	NOUN
ejge-10173	469	8	of	of	ADP
ejge-10173	469	9	public	public	ADJ
ejge-10173	469	10	and	and	CCONJ
ejge-10173	469	11	private	private	ADJ
ejge-10173	469	12	governance	governance	NOUN
ejge-10173	469	13	:	:	PUNCT
ejge-10173	469	14	insights	insight	NOUN
ejge-10173	469	15	from	from	ADP
ejge-10173	469	16	southern	southern	PROPN
ejge-10173	469	17	africa	africa	PROPN
ejge-10173	469	18	's	's	PART
ejge-10173	469	19	apparel	apparel	NOUN
ejge-10173	469	20	sector	sector	NOUN
ejge-10173	469	21	.	.	PUNCT
ejge-10173	470	1	journal	journal	PROPN
ejge-10173	470	2	of	of	ADP
ejge-10173	470	3	international	international	ADJ
ejge-10173	470	4	business	business	NOUN
ejge-10173	470	5	policy	policy	NOUN
ejge-10173	470	6	,	,	PUNCT
ejge-10173	470	7	4	4	NUM
ejge-10173	470	8	,	,	PUNCT
ejge-10173	470	9	368	368	NUM
ejge-10173	470	10	-	-	SYM
ejge-10173	470	11	389	389	NUM
ejge-10173	470	12	.	.	PUNCT
ejge-10173	471	1	https://doi.org/10.1057/s42214-020-00071-9	https://doi.org/10.1057/s42214-020-00071-9	NUM
ejge-10173	471	2	pournader	pournader	NOUN
ejge-10173	471	3	,	,	PUNCT
ejge-10173	471	4	m.	m.	NOUN
ejge-10173	471	5	,	,	PUNCT
ejge-10173	471	6	shi	shi	PROPN
ejge-10173	471	7	,	,	PUNCT
ejge-10173	471	8	y.	y.	PROPN
ejge-10173	471	9	,	,	PUNCT
ejge-10173	471	10	seuring	seuring	NOUN
ejge-10173	471	11	,	,	PUNCT
ejge-10173	471	12	s.	s.	PROPN
ejge-10173	471	13	&	&	CCONJ
ejge-10173	471	14	lenny	lenny	PROPN
ejge-10173	471	15	koh	koh	PROPN
ejge-10173	471	16	,	,	PUNCT
ejge-10173	471	17	s.c	s.c	PROPN
ejge-10173	471	18	.	.	PROPN
ejge-10173	471	19	(	(	PUNCT
ejge-10173	471	20	2020	2020	NUM
ejge-10173	471	21	)	)	PUNCT
ejge-10173	471	22	.	.	PUNCT
ejge-10173	472	1	blockchain	blockchain	PROPN
ejge-10173	472	2	applications	application	NOUN
ejge-10173	472	3	in	in	ADP
ejge-10173	472	4	supply	supply	NOUN
ejge-10173	472	5	chains	chain	NOUN
ejge-10173	472	6	,	,	PUNCT
ejge-10173	472	7	transport	transport	NOUN
ejge-10173	472	8	and	and	CCONJ
ejge-10173	472	9	logistics	logistic	NOUN
ejge-10173	472	10	:	:	PUNCT
ejge-10173	472	11	a	a	DET
ejge-10173	472	12	systematic	systematic	ADJ
ejge-10173	472	13	review	review	NOUN
ejge-10173	472	14	of	of	ADP
ejge-10173	472	15	the	the	DET
ejge-10173	472	16	literature	literature	NOUN
ejge-10173	472	17	.	.	PUNCT
ejge-10173	473	1	international	international	ADJ
ejge-10173	473	2	journal	journal	PROPN
ejge-10173	473	3	of	of	ADP
ejge-10173	473	4	production	production	NOUN
ejge-10173	473	5	research	research	NOUN
ejge-10173	473	6	,	,	PUNCT
ejge-10173	473	7	58	58	NUM
ejge-10173	473	8	(	(	PUNCT
ejge-10173	473	9	7	7	NUM
ejge-10173	473	10	)	)	PUNCT
ejge-10173	473	11	,	,	PUNCT
ejge-10173	473	12	2063	2063	NUM
ejge-10173	473	13	-	-	SYM
ejge-10173	473	14	2081	2081	NUM
ejge-10173	473	15	.	.	PUNCT
ejge-10173	474	1	https://doi.org/10.1080/00207543.2019.1650976	https://doi.org/10.1080/00207543.2019.1650976	NOUN
ejge-10173	474	2	qi	qi	PROPN
ejge-10173	474	3	,	,	PUNCT
ejge-10173	474	4	j.y	j.y	PROPN
ejge-10173	474	5	.	.	PROPN
ejge-10173	474	6	,	,	PUNCT
ejge-10173	474	7	&	&	CCONJ
ejge-10173	474	8	ren	ren	PROPN
ejge-10173	474	9	,	,	PUNCT
ejge-10173	474	10	y.d	y.d	PROPN
ejge-10173	474	11	.	.	PROPN
ejge-10173	474	12	(	(	PUNCT
ejge-10173	474	13	2021	2021	NUM
ejge-10173	474	14	)	)	PUNCT
ejge-10173	474	15	.	.	PUNCT
ejge-10173	475	1	the	the	DET
ejge-10173	475	2	impact	impact	NOUN
ejge-10173	475	3	of	of	ADP
ejge-10173	475	4	digital	digital	ADJ
ejge-10173	475	5	economy	economy	NOUN
ejge-10173	475	6	penetration	penetration	NOUN
ejge-10173	475	7	on	on	ADP
ejge-10173	475	8	global	global	ADJ
ejge-10173	475	9	value	value	NOUN
ejge-10173	475	10	chain	chain	NOUN
ejge-10173	475	11	position	position	NOUN
ejge-10173	475	12	:	:	PUNCT
ejge-10173	475	13	transnational	transnational	ADJ
ejge-10173	475	14	empirical	empirical	ADJ
ejge-10173	475	15	research	research	NOUN
ejge-10173	475	16	based	base	VERB
ejge-10173	475	17	on	on	ADP
ejge-10173	475	18	industrial	industrial	ADJ
ejge-10173	475	19	heterogeneity	heterogeneity	NOUN
ejge-10173	475	20	.	.	PUNCT
ejge-10173	476	1	journal	journal	NOUN
ejge-10173	476	2	of	of	ADP
ejge-10173	476	3	international	international	ADJ
ejge-10173	476	4	trade	trade	NOUN
ejge-10173	476	5	,	,	PUNCT
ejge-10173	476	6	9	9	NUM
ejge-10173	476	7	,	,	PUNCT
ejge-10173	476	8	105	105	NUM
ejge-10173	476	9	-	-	SYM
ejge-10173	476	10	121	121	NUM
ejge-10173	476	11	.	.	PUNCT
ejge-10173	477	1	https://doi.org/10.1007/s00146-022-01524-w	https://doi.org/10.1007/s00146-022-01524-w	PROPN
ejge-10173	477	2	radosavljević	radosavljević	NOUN
ejge-10173	477	3	,	,	PUNCT
ejge-10173	477	4	k.	k.	PROPN
ejge-10173	477	5	(	(	PUNCT
ejge-10173	477	6	2023	2023	NUM
ejge-10173	477	7	)	)	PUNCT
ejge-10173	477	8	.	.	PUNCT
ejge-10173	478	1	opportunities	opportunity	NOUN
ejge-10173	478	2	and	and	CCONJ
ejge-10173	478	3	challenges	challenge	NOUN
ejge-10173	478	4	in	in	ADP
ejge-10173	478	5	sustainability	sustainability	NOUN
ejge-10173	478	6	digital	digital	ADJ
ejge-10173	478	7	transformation	transformation	NOUN
ejge-10173	478	8	and	and	CCONJ
ejge-10173	478	9	risk	risk	NOUN
ejge-10173	478	10	mitigation	mitigation	NOUN
ejge-10173	478	11	in	in	ADP
ejge-10173	478	12	emerging	emerge	VERB
ejge-10173	478	13	insurance	insurance	NOUN
ejge-10173	478	14	markets	market	NOUN
ejge-10173	478	15	:	:	PUNCT
ejge-10173	478	16	a	a	DET
ejge-10173	478	17	comparative	comparative	ADJ
ejge-10173	478	18	analysis	analysis	NOUN
ejge-10173	478	19	between	between	ADP
ejge-10173	478	20	china	china	PROPN
ejge-10173	478	21	and	and	CCONJ
ejge-10173	478	22	serbia	serbia	PROPN
ejge-10173	478	23	.	.	PUNCT
ejge-10173	479	1	opportunities	opportunity	NOUN
ejge-10173	479	2	and	and	CCONJ
ejge-10173	479	3	challenges	challenge	NOUN
ejge-10173	479	4	in	in	ADP
ejge-10173	479	5	sustainability	sustainability	NOUN
ejge-10173	479	6	,	,	PUNCT
ejge-10173	479	7	2	2	NUM
ejge-10173	479	8	,	,	PUNCT
ejge-10173	479	9	104	104	NUM
ejge-10173	479	10	-	-	SYM
ejge-10173	479	11	115	115	NUM
ejge-10173	479	12	.	.	PUNCT
ejge-10173	480	1	santos	santos	PROPN
ejge-10173	480	2	-	-	PUNCT
ejge-10173	480	3	jaén	jaén	PROPN
ejge-10173	480	4	,	,	PUNCT
ejge-10173	480	5	j.m	j.m	PROPN
ejge-10173	480	6	.	.	PROPN
ejge-10173	480	7	,	,	PUNCT
ejge-10173	480	8	gimeno	gimeno	NOUN
ejge-10173	480	9	-	-	PUNCT
ejge-10173	480	10	arias	aria	NOUN
ejge-10173	480	11	,	,	PUNCT
ejge-10173	480	12	f.	f.	PROPN
ejge-10173	480	13	,	,	PUNCT
ejge-10173	480	14	gómez	gómez	NOUN
ejge-10173	480	15	,	,	PUNCT
ejge-10173	480	16	a.l	a.l	PROPN
ejge-10173	480	17	.	.	PROPN
ejge-10173	480	18	&	&	CCONJ
ejge-10173	480	19	palacios	palacios	PROPN
ejge-10173	480	20	-	-	PUNCT
ejge-10173	480	21	manzano	manzano	PROPN
ejge-10173	480	22	,	,	PUNCT
ejge-10173	480	23	m.	m.	NOUN
ejge-10173	480	24	(	(	PUNCT
ejge-10173	480	25	2023	2023	NUM
ejge-10173	480	26	)	)	PUNCT
ejge-10173	480	27	.	.	PUNCT
ejge-10173	481	1	the	the	DET
ejge-10173	481	2	business	business	NOUN
ejge-10173	481	3	digitalization	digitalization	NOUN
ejge-10173	481	4	process	process	NOUN
ejge-10173	481	5	in	in	ADP
ejge-10173	481	6	smes	sme	NOUN
ejge-10173	481	7	from	from	ADP
ejge-10173	481	8	the	the	DET
ejge-10173	481	9	implementation	implementation	NOUN
ejge-10173	481	10	of	of	ADP
ejge-10173	481	11	e	e	NOUN
ejge-10173	481	12	-	-	NOUN
ejge-10173	481	13	commerce	commerce	NOUN
ejge-10173	481	14	:	:	PUNCT
ejge-10173	481	15	an	an	DET
ejge-10173	481	16	empirical	empirical	ADJ
ejge-10173	481	17	analysis	analysis	NOUN
ejge-10173	481	18	.	.	PUNCT
ejge-10173	482	1	journal	journal	NOUN
ejge-10173	482	2	of	of	ADP
ejge-10173	482	3	theoretical	theoretical	ADJ
ejge-10173	482	4	and	and	CCONJ
ejge-10173	482	5	applied	apply	VERB
ejge-10173	482	6	electronic	electronic	ADJ
ejge-10173	482	7	commerce	commerce	NOUN
ejge-10173	482	8	research	research	NOUN
ejge-10173	482	9	,	,	PUNCT
ejge-10173	482	10	18	18	NUM
ejge-10173	482	11	(	(	PUNCT
ejge-10173	482	12	4	4	NUM
ejge-10173	482	13	)	)	PUNCT
ejge-10173	482	14	,	,	PUNCT
ejge-10173	482	15	1700	1700	NUM
ejge-10173	482	16	-	-	SYM
ejge-10173	482	17	1720	1720	NUM
ejge-10173	482	18	.	.	PUNCT
ejge-10173	483	1	https://doi.org/10.3390/jtaer18040086	https://doi.org/10.3390/jtaer18040086	PROPN
ejge-10173	483	2	sun	sun	PROPN
ejge-10173	483	3	,	,	PUNCT
ejge-10173	483	4	y.	y.	PROPN
ejge-10173	483	5	,	,	PUNCT
ejge-10173	483	6	li	li	PROPN
ejge-10173	483	7	,	,	PUNCT
ejge-10173	483	8	s.	s.	PROPN
ejge-10173	483	9	,	,	PUNCT
ejge-10173	483	10	&	&	CCONJ
ejge-10173	483	11	wang	wang	PROPN
ejge-10173	483	12	,	,	PUNCT
ejge-10173	483	13	r.	r.	PROPN
ejge-10173	483	14	(	(	PUNCT
ejge-10173	483	15	2023	2023	NUM
ejge-10173	483	16	)	)	PUNCT
ejge-10173	483	17	.	.	PUNCT
ejge-10173	484	1	fintech	fintech	NOUN
ejge-10173	484	2	:	:	PUNCT
ejge-10173	484	3	from	from	ADP
ejge-10173	484	4	budding	bud	VERB
ejge-10173	484	5	to	to	ADP
ejge-10173	484	6	explosion	explosion	NOUN
ejge-10173	484	7	-	-	PUNCT
ejge-10173	484	8	an	an	DET
ejge-10173	484	9	overview	overview	NOUN
ejge-10173	484	10	of	of	ADP
ejge-10173	484	11	the	the	DET
ejge-10173	484	12	current	current	ADJ
ejge-10173	484	13	state	state	NOUN
ejge-10173	484	14	of	of	ADP
ejge-10173	484	15	research	research	NOUN
ejge-10173	484	16	.	.	PUNCT
ejge-10173	485	1	review	review	NOUN
ejge-10173	485	2	of	of	ADP
ejge-10173	485	3	managerial	managerial	ADJ
ejge-10173	485	4	science	science	NOUN
ejge-10173	485	5	,	,	PUNCT
ejge-10173	485	6	17	17	NUM
ejge-10173	485	7	,	,	PUNCT
ejge-10173	485	8	715	715	NUM
ejge-10173	485	9	-	-	SYM
ejge-10173	485	10	755	755	NUM
ejge-10173	485	11	.	.	PROPN
ejge-10173	485	12	https://doi.org/10.1007/s11846-021-00513-5	https://doi.org/10.1007/s11846-021-00513-5	NUM
ejge-10173	485	13	thun	thun	PROPN
ejge-10173	485	14	,	,	PUNCT
ejge-10173	485	15	s.	s.	PROPN
ejge-10173	485	16	,	,	PUNCT
ejge-10173	485	17	bakås	bakås	NOUN
ejge-10173	485	18	,	,	PUNCT
ejge-10173	485	19	o.	o.	PROPN
ejge-10173	485	20	&	&	CCONJ
ejge-10173	485	21	storholmen	storholmen	PROPN
ejge-10173	485	22	,	,	PUNCT
ejge-10173	485	23	t.c.b	t.c.b	NOUN
ejge-10173	485	24	.	.	PUNCT
ejge-10173	486	1	(	(	PUNCT
ejge-10173	486	2	2021	2021	NUM
ejge-10173	486	3	)	)	PUNCT
ejge-10173	486	4	.	.	PUNCT
ejge-10173	487	1	development	development	NOUN
ejge-10173	487	2	and	and	CCONJ
ejge-10173	487	3	implementation	implementation	NOUN
ejge-10173	487	4	processes	process	NOUN
ejge-10173	487	5	of	of	ADP
ejge-10173	487	6	digitalization	digitalization	NOUN
ejge-10173	487	7	in	in	ADP
ejge-10173	487	8	engineer	engineer	NOUN
ejge-10173	487	9	-	-	PUNCT
ejge-10173	487	10	to	to	ADP
ejge-10173	487	11	-	-	PUNCT
ejge-10173	487	12	order	order	NOUN
ejge-10173	487	13	manufacturing	manufacturing	NOUN
ejge-10173	487	14	:	:	PUNCT
ejge-10173	487	15	enablers	enabler	NOUN
ejge-10173	487	16	and	and	CCONJ
ejge-10173	487	17	barriers	barrier	NOUN
ejge-10173	487	18	.	.	PUNCT
ejge-10173	488	1	ai	ai	VERB
ejge-10173	488	2	and	and	CCONJ
ejge-10173	488	3	society	society	NOUN
ejge-10173	488	4	,	,	PUNCT
ejge-10173	488	5	37	37	NUM
ejge-10173	488	6	(	(	PUNCT
ejge-10173	488	7	2	2	NUM
ejge-10173	488	8	)	)	PUNCT
ejge-10173	488	9	,	,	PUNCT
ejge-10173	488	10	725	725	PROPN
ejge-10173	488	11	-	-	SYM
ejge-10173	488	12	743	743	NUM
ejge-10173	488	13	.	.	PUNCT
ejge-10173	489	1	https://doi.org/10.1007/s00146-021-01174-4	https://doi.org/10.1007/s00146-021-01174-4	NUM
ejge-10173	489	2	truby	truby	PROPN
ejge-10173	489	3	,	,	PUNCT
ejge-10173	489	4	j.	j.	PROPN
ejge-10173	489	5	,	,	PUNCT
ejge-10173	489	6	dahdal	dahdal	NOUN
ejge-10173	489	7	,	,	PUNCT
ejge-10173	489	8	a.	a.	NOUN
ejge-10173	489	9	,	,	PUNCT
ejge-10173	489	10	caudevilla	caudevilla	NOUN
ejge-10173	489	11	,	,	PUNCT
ejge-10173	489	12	o.	o.	NOUN
ejge-10173	489	13	(	(	PUNCT
ejge-10173	489	14	2022	2022	NUM
ejge-10173	489	15	)	)	PUNCT
ejge-10173	489	16	.	.	PUNCT
ejge-10173	490	1	global	global	PROPN
ejge-10173	490	2	blockchain	blockchain	PROPN
ejge-10173	490	3	-	-	PUNCT
ejge-10173	490	4	based	base	VERB
ejge-10173	490	5	trade	trade	NOUN
ejge-10173	490	6	finance	finance	NOUN
ejge-10173	490	7	solutions	solution	NOUN
ejge-10173	490	8	:	:	PUNCT
ejge-10173	490	9	analysis	analysis	NOUN
ejge-10173	490	10	of	of	ADP
ejge-10173	490	11	governance	governance	NOUN
ejge-10173	490	12	models	model	NOUN
ejge-10173	490	13	and	and	CCONJ
ejge-10173	490	14	impact	impact	NOUN
ejge-10173	490	15	on	on	ADP
ejge-10173	490	16	local	local	ADJ
ejge-10173	490	17	laws	law	NOUN
ejge-10173	490	18	in	in	ADP
ejge-10173	490	19	six	six	NUM
ejge-10173	490	20	jurisdictions	jurisdiction	NOUN
ejge-10173	490	21	.	.	PUNCT
ejge-10173	491	1	global	global	ADJ
ejge-10173	491	2	journal	journal	PROPN
ejge-10173	491	3	of	of	ADP
ejge-10173	491	4	comparative	comparative	ADJ
ejge-10173	491	5	law	law	NOUN
ejge-10173	491	6	,	,	PUNCT
ejge-10173	491	7	11(2	11(2	NUM
ejge-10173	491	8	)	)	PUNCT
ejge-10173	491	9	,	,	PUNCT
ejge-10173	491	10	167	167	NUM
ejge-10173	491	11	-	-	SYM
ejge-10173	491	12	196	196	NUM
ejge-10173	491	13	.	.	PUNCT
ejge-10173	492	1	https://doi.org/10.1163/2211906x-11020001	https://doi.org/10.1163/2211906x-11020001	PROPN
ejge-10173	492	2	wielgos	wielgos	PROPN
ejge-10173	492	3	,	,	PUNCT
ejge-10173	492	4	d.m	d.m	PROPN
ejge-10173	492	5	.	.	PROPN
ejge-10173	492	6	,	,	PUNCT
ejge-10173	492	7	homburg	homburg	PROPN
ejge-10173	492	8	,	,	PUNCT
ejge-10173	492	9	c.	c.	PROPN
ejge-10173	492	10	&	&	CCONJ
ejge-10173	492	11	kuehnl	kuehnl	PROPN
ejge-10173	492	12	,	,	PUNCT
ejge-10173	492	13	c.	c.	PROPN
ejge-10173	492	14	(	(	PUNCT
ejge-10173	492	15	2021	2021	NUM
ejge-10173	492	16	)	)	PUNCT
ejge-10173	492	17	.	.	PUNCT
ejge-10173	493	1	digital	digital	ADJ
ejge-10173	493	2	business	business	NOUN
ejge-10173	493	3	capability	capability	NOUN
ejge-10173	493	4	:	:	PUNCT
ejge-10173	493	5	its	its	PRON
ejge-10173	493	6	impact	impact	NOUN
ejge-10173	493	7	on	on	ADP
ejge-10173	493	8	firm	firm	ADJ
ejge-10173	493	9	and	and	CCONJ
ejge-10173	493	10	customer	customer	NOUN
ejge-10173	493	11	performance	performance	NOUN
ejge-10173	493	12	.	.	PUNCT
ejge-10173	494	1	journal	journal	NOUN
ejge-10173	494	2	of	of	ADP
ejge-10173	494	3	the	the	DET
ejge-10173	494	4	academy	academy	NOUN
ejge-10173	494	5	of	of	ADP
ejge-10173	494	6	marketing	marketing	NOUN
ejge-10173	494	7	science	science	NOUN
ejge-10173	494	8	,	,	PUNCT
ejge-10173	494	9	49	49	NUM
ejge-10173	494	10	,	,	PUNCT
ejge-10173	494	11	762	762	NUM
ejge-10173	494	12	-	-	SYM
ejge-10173	494	13	789	789	NUM
ejge-10173	494	14	.	.	PUNCT
ejge-10173	495	1	https://doi.org/10.1007/s11747-021-00771-5	https://doi.org/10.1007/s11747-021-00771-5	NUM
ejge-10173	495	2	yue	yue	PROPN
ejge-10173	495	3	,	,	PUNCT
ejge-10173	495	4	w.	w.	PROPN
ejge-10173	495	5	(	(	PUNCT
ejge-10173	495	6	2022	2022	NUM
ejge-10173	495	7	)	)	PUNCT
ejge-10173	495	8	.	.	PUNCT
ejge-10173	496	1	foreign	foreign	ADJ
ejge-10173	496	2	direct	direct	ADJ
ejge-10173	496	3	investment	investment	NOUN
ejge-10173	496	4	and	and	CCONJ
ejge-10173	496	5	the	the	DET
ejge-10173	496	6	innovation	innovation	NOUN
ejge-10173	496	7	performance	performance	NOUN
ejge-10173	496	8	of	of	ADP
ejge-10173	496	9	local	local	ADJ
ejge-10173	496	10	enterprises	enterprise	NOUN
ejge-10173	496	11	.	.	PUNCT
ejge-10173	497	1	humanities	humanity	NOUN
ejge-10173	497	2	and	and	CCONJ
ejge-10173	497	3	social	social	ADJ
ejge-10173	497	4	science	science	NOUN
ejge-10173	497	5	communication	communication	NOUN
ejge-10173	497	6	,	,	PUNCT
ejge-10173	497	7	9(1	9(1	NUM
ejge-10173	497	8	)	)	PUNCT
ejge-10173	497	9	,	,	PUNCT
ejge-10173	497	10	252	252	NUM
ejge-10173	497	11	.	.	PUNCT
ejge-10173	498	1	https://doi.org/10.3390/joitmc8040208	https://doi.org/10.3390/joitmc8040208	PROPN
ejge-10173	498	2	https://doi.org/10.2139/ssrn.3619214	https://doi.org/10.2139/ssrn.3619214	PUNCT
ejge-10173	498	3	https://doi.org/10.1002/gsj.1388	https://doi.org/10.1002/gsj.1388	PRON
ejge-10173	498	4	https://doi.org/10.1057/s42214-020-00071-9	https://doi.org/10.1057/s42214-020-00071-9	NOUN
ejge-10173	498	5	https://doi.org/10.1080/00207543.2019.1650976	https://doi.org/10.1080/00207543.2019.1650976	NOUN
ejge-10173	499	1	https://doi.org/10.1007/s00146-022-01524-w	https://doi.org/10.1007/s00146-022-01524-w	PROPN
ejge-10173	499	2	https://doi.org/10.3390/jtaer18040086	https://doi.org/10.3390/jtaer18040086	VERB
ejge-10173	499	3	https://doi.org/10.1007/s11846-021-00513-5	https://doi.org/10.1007/s11846-021-00513-5	NUM
ejge-10173	499	4	https://doi.org/10.1007/s00146-021-01174-4	https://doi.org/10.1007/s00146-021-01174-4	NUM
ejge-10173	500	1	https://doi.org/10.1163/2211906x-11020001	https://doi.org/10.1163/2211906x-11020001	NUM
ejge-10173	500	2	https://doi.org/10.1007/s11747-021-00771-5	https://doi.org/10.1007/s11747-021-00771-5	NOUN
ejge-10173	500	3	1	1	NUM
ejge-10173	500	4	.	.	PUNCT
ejge-10173	501	1	introduction	introduction	NOUN
ejge-10173	501	2	2	2	NUM
ejge-10173	501	3	.	.	PUNCT
ejge-10173	501	4	theoretical	theoretical	ADJ
ejge-10173	501	5	background	background	NOUN
ejge-10173	501	6	3	3	NUM
ejge-10173	501	7	.	.	X
ejge-10173	501	8	methodology	methodology	NOUN
ejge-10173	501	9	and	and	CCONJ
ejge-10173	501	10	case	case	NOUN
ejge-10173	501	11	study	study	NOUN
ejge-10173	501	12	overview	overview	NOUN
ejge-10173	501	13	4	4	NUM
ejge-10173	501	14	.	.	PUNCT
ejge-10173	501	15	main	main	ADJ
ejge-10173	501	16	results	result	NOUN
ejge-10173	501	17	5	5	NUM
ejge-10173	501	18	.	.	PUNCT
ejge-10173	501	19	conclusions	conclusion	NOUN
ejge-10173	501	20	and	and	CCONJ
ejge-10173	501	21	policy	policy	NOUN
ejge-10173	501	22	recommendations	recommendation	NOUN
ejge-10173	501	23	references	reference	NOUN