id	sid	tid	token	lemma	pos
ejif-10239	1	1	03	03	NUM
ejif-10239	1	2	_	_	PRON
ejif-10239	1	3	boulila	boulila	VERB
ejif-10239	1	4	european	european	ADJ
ejif-10239	1	5	journal	journal	PROPN
ejif-10239	1	6	of	of	ADP
ejif-10239	1	7	islamic	islamic	PROPN
ejif-10239	1	8	finance	finance	PROPN
ejif-10239	1	9	issn	issn	PROPN
ejif-10239	1	10	:	:	PUNCT
ejif-10239	1	11	2421	2421	NUM
ejif-10239	1	12	-	-	SYM
ejif-10239	1	13	2172	2172	NUM
ejif-10239	1	14	doi	doi	NOUN
ejif-10239	1	15	:	:	PUNCT
ejif-10239	1	16	10.13135/2421	10.13135/2421	NUM
ejif-10239	1	17	-	-	SYM
ejif-10239	1	18	2172/10239	2172/10239	NUM
ejif-10239	1	19	published	publish	VERB
ejif-10239	1	20	by	by	ADP
ejif-10239	1	21	university	university	PROPN
ejif-10239	1	22	of	of	ADP
ejif-10239	1	23	turin	turin	PROPN
ejif-10239	2	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	2	2	ejif	ejif	PROPN
ejif-10239	2	3	content	content	NOUN
ejif-10239	2	4	is	be	AUX
ejif-10239	2	5	licensed	license	VERB
ejif-10239	2	6	under	under	ADP
ejif-10239	2	7	a	a	DET
ejif-10239	2	8	creative	creative	ADJ
ejif-10239	2	9	commons	common	NOUN
ejif-10239	2	10	attribution	attribution	NOUN
ejif-10239	2	11	4.0	4.0	NUM
ejif-10239	2	12	international	international	ADJ
ejif-10239	2	13	license	license	NOUN
ejif-10239	2	14	36	36	NUM
ejif-10239	2	15	the	the	DET
ejif-10239	2	16	digital	digital	ADJ
ejif-10239	2	17	butterfly	butterfly	NOUN
ejif-10239	2	18	effect	effect	NOUN
ejif-10239	2	19	:	:	PUNCT
ejif-10239	2	20	unleashing	unleash	VERB
ejif-10239	2	21	the	the	DET
ejif-10239	2	22	islamic	islamic	ADJ
ejif-10239	2	23	banking	banking	NOUN
ejif-10239	2	24	industry	industry	NOUN
ejif-10239	2	25	in	in	ADP
ejif-10239	2	26	a	a	DET
ejif-10239	2	27	post	post	ADJ
ejif-10239	2	28	-	-	ADJ
ejif-10239	2	29	pandemic	pandemic	ADJ
ejif-10239	2	30	era	era	NOUN
ejif-10239	2	31	hadjer	hadjer	NOUN
ejif-10239	2	32	boulila1	boulila1	PROPN
ejif-10239	2	33	*	*	PROPN
ejif-10239	2	34	1	1	NUM
ejif-10239	2	35	university	university	NOUN
ejif-10239	2	36	of	of	ADP
ejif-10239	2	37	tlemcen	tlemcen	NOUN
ejif-10239	2	38	,	,	PUNCT
ejif-10239	2	39	department	department	NOUN
ejif-10239	2	40	of	of	ADP
ejif-10239	2	41	economics	economic	NOUN
ejif-10239	2	42	,	,	PUNCT
ejif-10239	2	43	tlemcen	tlemcen	NOUN
ejif-10239	2	44	–	–	PUNCT
ejif-10239	2	45	13000	13000	NUM
ejif-10239	2	46	,	,	PUNCT
ejif-10239	2	47	algeria	algeria	PROPN
ejif-10239	2	48	corresponding	corresponding	ADJ
ejif-10239	2	49	author	author	NOUN
ejif-10239	2	50	:	:	PUNCT
ejif-10239	2	51	b.hadjer94@gmail.com	b.hadjer94@gmail.com	NOUN
ejif-10239	2	52	orcid	orcid	NOUN
ejif-10239	2	53	0000	0000	NUM
ejif-10239	2	54	-	-	PUNCT
ejif-10239	2	55	0002	0002	NUM
ejif-10239	2	56	-	-	PUNCT
ejif-10239	2	57	1115	1115	NUM
ejif-10239	2	58	-	-	SYM
ejif-10239	2	59	6065	6065	NUM
ejif-10239	2	60	widad	widad	NOUN
ejif-10239	2	61	metadjer	metadjer	NOUN
ejif-10239	2	62	2	2	NUM
ejif-10239	2	63	2	2	NUM
ejif-10239	2	64	al	al	PROPN
ejif-10239	2	65	-	-	PUNCT
ejif-10239	2	66	maktoum	maktoum	PROPN
ejif-10239	2	67	college	college	PROPN
ejif-10239	2	68	of	of	ADP
ejif-10239	2	69	higher	high	ADJ
ejif-10239	2	70	education	education	NOUN
ejif-10239	2	71	,	,	PUNCT
ejif-10239	2	72	dundee	dundee	PROPN
ejif-10239	2	73	,	,	PUNCT
ejif-10239	2	74	scotland	scotland	PROPN
ejif-10239	2	75	,	,	PUNCT
ejif-10239	2	76	united	united	ADJ
ejif-10239	2	77	kingdom	kingdom	NOUN
ejif-10239	2	78	.	.	PUNCT
ejif-10239	3	1	orcid	orcid	NOUN
ejif-10239	3	2	0009	0009	NUM
ejif-10239	3	3	-	-	PUNCT
ejif-10239	3	4	0009	0009	NUM
ejif-10239	3	5	-	-	PUNCT
ejif-10239	3	6	7636	7636	NUM
ejif-10239	3	7	-	-	SYM
ejif-10239	3	8	7451	7451	NUM
ejif-10239	3	9	ibrahim	ibrahim	PROPN
ejif-10239	3	10	elsayed1	elsayed1	PROPN
ejif-10239	3	11	1	1	NUM
ejif-10239	3	12	durham	durham	PROPN
ejif-10239	3	13	university	university	PROPN
ejif-10239	3	14	,	,	PUNCT
ejif-10239	3	15	stockton	stockton	PROPN
ejif-10239	3	16	rd	rd	PROPN
ejif-10239	3	17	,	,	PUNCT
ejif-10239	3	18	durham	durham	PROPN
ejif-10239	3	19	dh1	dh1	PROPN
ejif-10239	3	20	3le	3le	PROPN
ejif-10239	3	21	,	,	PUNCT
ejif-10239	3	22	united	united	ADJ
ejif-10239	3	23	kingdom	kingdom	NOUN
ejif-10239	3	24	.	.	PUNCT
ejif-10239	4	1	orcid	orcid	NOUN
ejif-10239	4	2	0000	0000	NUM
ejif-10239	4	3	-	-	PUNCT
ejif-10239	4	4	0003	0003	NUM
ejif-10239	4	5	-	-	PUNCT
ejif-10239	4	6	1469	1469	NUM
ejif-10239	4	7	-	-	PUNCT
ejif-10239	4	8	3808	3808	NUM
ejif-10239	4	9	seyf	seyf	ADJ
ejif-10239	4	10	eddine	eddine	NOUN
ejif-10239	4	11	benbekhti1	benbekhti1	PROPN
ejif-10239	4	12	1	1	NUM
ejif-10239	4	13	university	university	NOUN
ejif-10239	4	14	of	of	ADP
ejif-10239	4	15	tlemcen	tlemcen	NOUN
ejif-10239	4	16	,	,	PUNCT
ejif-10239	4	17	department	department	NOUN
ejif-10239	4	18	of	of	ADP
ejif-10239	4	19	economics	economic	NOUN
ejif-10239	4	20	,	,	PUNCT
ejif-10239	4	21	tlemcen	tlemcen	NOUN
ejif-10239	4	22	–	–	PUNCT
ejif-10239	4	23	13000	13000	NUM
ejif-10239	4	24	,	,	PUNCT
ejif-10239	4	25	algeria	algeria	PROPN
ejif-10239	4	26	orcid	orcid	NOUN
ejif-10239	4	27	0000	0000	NUM
ejif-10239	4	28	-	-	PUNCT
ejif-10239	4	29	0001	0001	NUM
ejif-10239	4	30	-	-	PUNCT
ejif-10239	4	31	8500	8500	NUM
ejif-10239	4	32	-	-	SYM
ejif-10239	4	33	5123	5123	NUM
ejif-10239	4	34	received	receive	VERB
ejif-10239	4	35	:	:	PUNCT
ejif-10239	4	36	19/04/2024	19/04/2024	NUM
ejif-10239	4	37	accepted	accept	VERB
ejif-10239	4	38	for	for	ADP
ejif-10239	4	39	publication	publication	NOUN
ejif-10239	4	40	:	:	PUNCT
ejif-10239	4	41	28/07/2024	28/07/2024	NUM
ejif-10239	4	42	published	publish	VERB
ejif-10239	4	43	:	:	PUNCT
ejif-10239	4	44	02/08/2024	02/08/2024	NUM
ejif-10239	4	45	abstract	abstract	ADJ
ejif-10239	4	46	this	this	DET
ejif-10239	4	47	study	study	NOUN
ejif-10239	4	48	draws	draw	VERB
ejif-10239	4	49	on	on	ADP
ejif-10239	4	50	the	the	DET
ejif-10239	4	51	parallelism	parallelism	NOUN
ejif-10239	4	52	between	between	ADP
ejif-10239	4	53	digitalization	digitalization	NOUN
ejif-10239	4	54	and	and	CCONJ
ejif-10239	4	55	the	the	DET
ejif-10239	4	56	complexity	complexity	NOUN
ejif-10239	4	57	of	of	ADP
ejif-10239	4	58	the	the	DET
ejif-10239	4	59	islamic	islamic	ADJ
ejif-10239	4	60	banking	banking	NOUN
ejif-10239	4	61	industry	industry	NOUN
ejif-10239	4	62	(	(	PUNCT
ejif-10239	4	63	ibs	ibs	PROPN
ejif-10239	4	64	)	)	PUNCT
ejif-10239	4	65	in	in	ADP
ejif-10239	4	66	a	a	DET
ejif-10239	4	67	postpandemic	postpandemic	ADJ
ejif-10239	4	68	era	era	NOUN
ejif-10239	4	69	.	.	PUNCT
ejif-10239	5	1	it	it	PRON
ejif-10239	5	2	examines	examine	VERB
ejif-10239	5	3	the	the	DET
ejif-10239	5	4	digital	digital	ADJ
ejif-10239	5	5	butterfly	butterfly	NOUN
ejif-10239	5	6	effect	effect	NOUN
ejif-10239	5	7	on	on	ADP
ejif-10239	5	8	the	the	DET
ejif-10239	5	9	islamic	islamic	ADJ
ejif-10239	5	10	banking	banking	NOUN
ejif-10239	5	11	industry	industry	NOUN
ejif-10239	5	12	to	to	PART
ejif-10239	5	13	promote	promote	VERB
ejif-10239	5	14	tech	tech	NOUN
ejif-10239	5	15	-	-	PUNCT
ejif-10239	5	16	driven	drive	VERB
ejif-10239	5	17	ibs	ib	NOUN
ejif-10239	5	18	through	through	ADP
ejif-10239	5	19	an	an	DET
ejif-10239	5	20	empirical	empirical	ADJ
ejif-10239	5	21	lens	len	NOUN
ejif-10239	5	22	.	.	PUNCT
ejif-10239	6	1	the	the	DET
ejif-10239	6	2	study	study	NOUN
ejif-10239	6	3	constructs	construct	VERB
ejif-10239	6	4	a	a	DET
ejif-10239	6	5	fintech	fintech	NOUN
ejif-10239	6	6	adoption	adoption	NOUN
ejif-10239	6	7	index	index	NOUN
ejif-10239	6	8	(	(	PUNCT
ejif-10239	6	9	fadi	fadi	NOUN
ejif-10239	6	10	)	)	PUNCT
ejif-10239	6	11	and	and	CCONJ
ejif-10239	6	12	uses	use	VERB
ejif-10239	6	13	a	a	DET
ejif-10239	6	14	bayesian	bayesian	NOUN
ejif-10239	6	15	vector	vector	NOUN
ejif-10239	6	16	auto	auto	NOUN
ejif-10239	6	17	-	-	PUNCT
ejif-10239	6	18	regressive	regressive	ADJ
ejif-10239	6	19	model	model	NOUN
ejif-10239	6	20	,	,	PUNCT
ejif-10239	6	21	causality	causality	NOUN
ejif-10239	6	22	tests	test	NOUN
ejif-10239	6	23	and	and	CCONJ
ejif-10239	6	24	impulse	impulse	ADJ
ejif-10239	6	25	response	response	NOUN
ejif-10239	6	26	functions	function	NOUN
ejif-10239	6	27	for	for	ADP
ejif-10239	6	28	yearly	yearly	ADJ
ejif-10239	6	29	data	datum	NOUN
ejif-10239	6	30	from	from	ADP
ejif-10239	6	31	2008	2008	NUM
ejif-10239	6	32	to	to	ADP
ejif-10239	6	33	2022	2022	NUM
ejif-10239	6	34	to	to	PART
ejif-10239	6	35	examine	examine	VERB
ejif-10239	6	36	the	the	DET
ejif-10239	6	37	possible	possible	ADJ
ejif-10239	6	38	magnified	magnified	ADJ
ejif-10239	6	39	effect	effect	NOUN
ejif-10239	6	40	of	of	ADP
ejif-10239	6	41	adopting	adopt	VERB
ejif-10239	6	42	fintech	fintech	NOUN
ejif-10239	6	43	by	by	ADP
ejif-10239	6	44	the	the	DET
ejif-10239	6	45	islamic	islamic	ADJ
ejif-10239	6	46	banking	banking	NOUN
ejif-10239	6	47	industry	industry	NOUN
ejif-10239	6	48	in	in	ADP
ejif-10239	6	49	malaysia	malaysia	PROPN
ejif-10239	6	50	.	.	PUNCT
ejif-10239	7	1	key	key	PROPN
ejif-10239	7	2	findings	finding	NOUN
ejif-10239	7	3	suggest	suggest	VERB
ejif-10239	7	4	that	that	SCONJ
ejif-10239	7	5	embracing	embrace	VERB
ejif-10239	7	6	fintech	fintech	NOUN
ejif-10239	7	7	by	by	ADP
ejif-10239	7	8	the	the	DET
ejif-10239	7	9	ibs	ibs	PROPN
ejif-10239	7	10	enhances	enhance	VERB
ejif-10239	7	11	the	the	DET
ejif-10239	7	12	profitability	profitability	NOUN
ejif-10239	7	13	of	of	ADP
ejif-10239	7	14	the	the	DET
ejif-10239	7	15	banks	bank	NOUN
ejif-10239	7	16	,	,	PUNCT
ejif-10239	7	17	which	which	PRON
ejif-10239	7	18	is	be	AUX
ejif-10239	7	19	measured	measure	VERB
ejif-10239	7	20	by	by	ADP
ejif-10239	7	21	the	the	DET
ejif-10239	7	22	return	return	NOUN
ejif-10239	7	23	on	on	ADP
ejif-10239	7	24	asset	asset	NOUN
ejif-10239	7	25	and	and	CCONJ
ejif-10239	7	26	return	return	VERB
ejif-10239	7	27	on	on	ADP
ejif-10239	7	28	equity	equity	NOUN
ejif-10239	7	29	.	.	PUNCT
ejif-10239	8	1	in	in	ADP
ejif-10239	8	2	addition	addition	NOUN
ejif-10239	8	3	,	,	PUNCT
ejif-10239	8	4	the	the	DET
ejif-10239	8	5	study	study	NOUN
ejif-10239	8	6	reports	report	VERB
ejif-10239	8	7	a	a	DET
ejif-10239	8	8	ripple	ripple	ADJ
ejif-10239	8	9	effect	effect	NOUN
ejif-10239	8	10	of	of	ADP
ejif-10239	8	11	fadi	fadi	NOUN
ejif-10239	8	12	on	on	ADP
ejif-10239	8	13	the	the	DET
ejif-10239	8	14	broader	broad	ADJ
ejif-10239	8	15	spectrum	spectrum	NOUN
ejif-10239	8	16	of	of	ADP
ejif-10239	8	17	the	the	DET
ejif-10239	8	18	malaysian	malaysian	ADJ
ejif-10239	8	19	economy	economy	NOUN
ejif-10239	8	20	.	.	PUNCT
ejif-10239	9	1	this	this	PRON
ejif-10239	9	2	indicates	indicate	VERB
ejif-10239	9	3	that	that	SCONJ
ejif-10239	9	4	fintech	fintech	NOUN
ejif-10239	9	5	fosters	foster	VERB
ejif-10239	9	6	economic	economic	ADJ
ejif-10239	9	7	growth	growth	NOUN
ejif-10239	9	8	,	,	PUNCT
ejif-10239	9	9	household	household	NOUN
ejif-10239	9	10	consumption	consumption	NOUN
ejif-10239	9	11	,	,	PUNCT
ejif-10239	9	12	financial	financial	ADJ
ejif-10239	9	13	and	and	CCONJ
ejif-10239	9	14	insurance	insurance	NOUN
ejif-10239	9	15	services	service	NOUN
ejif-10239	9	16	,	,	PUNCT
ejif-10239	9	17	and	and	CCONJ
ejif-10239	9	18	corporate	corporate	ADJ
ejif-10239	9	19	taxes	taxis	NOUN
ejif-10239	9	20	.	.	PUNCT
ejif-10239	10	1	on	on	ADP
ejif-10239	10	2	the	the	DET
ejif-10239	10	3	other	other	ADJ
ejif-10239	10	4	hand	hand	NOUN
ejif-10239	10	5	,	,	PUNCT
ejif-10239	10	6	fintech	fintech	NOUN
ejif-10239	10	7	adoption	adoption	NOUN
ejif-10239	10	8	helps	help	VERB
ejif-10239	10	9	reduce	reduce	VERB
ejif-10239	10	10	the	the	DET
ejif-10239	10	11	unemployment	unemployment	NOUN
ejif-10239	10	12	rate	rate	NOUN
ejif-10239	10	13	.	.	PUNCT
ejif-10239	11	1	the	the	DET
ejif-10239	11	2	findings	finding	NOUN
ejif-10239	11	3	contribute	contribute	VERB
ejif-10239	11	4	to	to	ADP
ejif-10239	11	5	the	the	DET
ejif-10239	11	6	literature	literature	NOUN
ejif-10239	11	7	by	by	ADP
ejif-10239	11	8	investigating	investigate	VERB
ejif-10239	11	9	the	the	DET
ejif-10239	11	10	ib	ib	NOUN
ejif-10239	11	11	as	as	ADP
ejif-10239	11	12	a	a	DET
ejif-10239	11	13	system	system	NOUN
ejif-10239	11	14	within	within	ADP
ejif-10239	11	15	financial	financial	ADJ
ejif-10239	11	16	chaos	chaos	NOUN
ejif-10239	11	17	theory	theory	NOUN
ejif-10239	11	18	and	and	CCONJ
ejif-10239	11	19	the	the	DET
ejif-10239	11	20	possible	possible	ADJ
ejif-10239	11	21	butterfly	butterfly	NOUN
ejif-10239	11	22	effect	effect	NOUN
ejif-10239	11	23	triggered	trigger	VERB
ejif-10239	11	24	by	by	ADP
ejif-10239	11	25	fintech	fintech	NOUN
ejif-10239	11	26	adoption	adoption	NOUN
ejif-10239	11	27	.	.	PUNCT
ejif-10239	12	1	keywords	keyword	NOUN
ejif-10239	12	2	:	:	PUNCT
ejif-10239	12	3	fintech	fintech	NOUN
ejif-10239	12	4	,	,	PUNCT
ejif-10239	12	5	digital	digital	ADJ
ejif-10239	12	6	butterfly	butterfly	NOUN
ejif-10239	12	7	effect	effect	NOUN
ejif-10239	12	8	,	,	PUNCT
ejif-10239	12	9	chaos	chaos	NOUN
ejif-10239	12	10	theory	theory	NOUN
ejif-10239	12	11	,	,	PUNCT
ejif-10239	12	12	islamic	islamic	ADJ
ejif-10239	12	13	banking	banking	NOUN
ejif-10239	12	14	,	,	PUNCT
ejif-10239	12	15	bayesian	bayesian	NOUN
ejif-10239	12	16	var	var	NOUN
ejif-10239	12	17	1	1	NUM
ejif-10239	12	18	.	.	PUNCT
ejif-10239	12	19	introduction	introduction	NOUN
ejif-10239	12	20	european	european	PROPN
ejif-10239	12	21	journal	journal	PROPN
ejif-10239	12	22	of	of	ADP
ejif-10239	12	23	islamic	islamic	PROPN
ejif-10239	12	24	finance	finance	PROPN
ejif-10239	12	25	issn	issn	PROPN
ejif-10239	12	26	:	:	PUNCT
ejif-10239	12	27	2421	2421	NUM
ejif-10239	12	28	-	-	SYM
ejif-10239	12	29	2172	2172	NUM
ejif-10239	12	30	doi	doi	NOUN
ejif-10239	12	31	:	:	PUNCT
ejif-10239	12	32	10.13135/2421	10.13135/2421	NUM
ejif-10239	12	33	-	-	SYM
ejif-10239	12	34	2172/10239	2172/10239	NUM
ejif-10239	12	35	published	publish	VERB
ejif-10239	12	36	by	by	ADP
ejif-10239	12	37	university	university	PROPN
ejif-10239	12	38	of	of	ADP
ejif-10239	12	39	turin	turin	PROPN
ejif-10239	13	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	13	2	ejif	ejif	PROPN
ejif-10239	13	3	content	content	NOUN
ejif-10239	13	4	is	be	AUX
ejif-10239	13	5	licensed	license	VERB
ejif-10239	13	6	under	under	ADP
ejif-10239	13	7	a	a	DET
ejif-10239	13	8	creative	creative	ADJ
ejif-10239	13	9	commons	common	NOUN
ejif-10239	13	10	attribution	attribution	NOUN
ejif-10239	13	11	4.0	4.0	NUM
ejif-10239	13	12	international	international	ADJ
ejif-10239	13	13	license	license	NOUN
ejif-10239	13	14	37	37	NUM
ejif-10239	13	15	it	it	PRON
ejif-10239	13	16	is	be	AUX
ejif-10239	13	17	fascinating	fascinating	ADJ
ejif-10239	13	18	how	how	SCONJ
ejif-10239	13	19	a	a	DET
ejif-10239	13	20	delicate	delicate	ADJ
ejif-10239	13	21	thing	thing	NOUN
ejif-10239	13	22	such	such	ADJ
ejif-10239	13	23	as	as	ADP
ejif-10239	13	24	a	a	DET
ejif-10239	13	25	butterfly	butterfly	NOUN
ejif-10239	13	26	’s	’s	PART
ejif-10239	13	27	wing	wing	NOUN
ejif-10239	13	28	flap	flap	NOUN
ejif-10239	13	29	may	may	AUX
ejif-10239	13	30	have	have	VERB
ejif-10239	13	31	the	the	DET
ejif-10239	13	32	strength	strength	NOUN
ejif-10239	13	33	to	to	PART
ejif-10239	13	34	start	start	VERB
ejif-10239	13	35	a	a	DET
ejif-10239	13	36	tornado	tornado	NOUN
ejif-10239	13	37	somewhere	somewhere	ADV
ejif-10239	13	38	in	in	ADP
ejif-10239	13	39	the	the	DET
ejif-10239	13	40	world	world	NOUN
ejif-10239	13	41	;	;	PUNCT
ejif-10239	13	42	this	this	DET
ejif-10239	13	43	concept	concept	NOUN
ejif-10239	13	44	is	be	AUX
ejif-10239	13	45	known	know	VERB
ejif-10239	13	46	as	as	ADP
ejif-10239	13	47	the	the	DET
ejif-10239	13	48	butterfly	butterfly	NOUN
ejif-10239	13	49	effect	effect	NOUN
ejif-10239	13	50	;	;	PUNCT
ejif-10239	13	51	it	it	PRON
ejif-10239	13	52	was	be	AUX
ejif-10239	13	53	first	first	ADV
ejif-10239	13	54	introduced	introduce	VERB
ejif-10239	13	55	in	in	ADP
ejif-10239	13	56	the	the	DET
ejif-10239	13	57	1960s	1960	NOUN
ejif-10239	13	58	when	when	SCONJ
ejif-10239	13	59	a	a	DET
ejif-10239	13	60	meteorologist	meteorologist	NOUN
ejif-10239	13	61	at	at	ADP
ejif-10239	13	62	mit	mit	NOUN
ejif-10239	13	63	modeling	modeling	NOUN
ejif-10239	13	64	weather	weather	NOUN
ejif-10239	13	65	patterns	pattern	NOUN
ejif-10239	13	66	revealed	reveal	VERB
ejif-10239	13	67	that	that	SCONJ
ejif-10239	13	68	a	a	DET
ejif-10239	13	69	tiny	tiny	ADJ
ejif-10239	13	70	rounding	round	VERB
ejif-10239	13	71	modification	modification	NOUN
ejif-10239	13	72	in	in	ADP
ejif-10239	13	73	his	his	PRON
ejif-10239	13	74	input	input	NOUN
ejif-10239	13	75	parameters	parameter	NOUN
ejif-10239	13	76	caused	cause	VERB
ejif-10239	13	77	in	in	ADP
ejif-10239	13	78	enormously	enormously	ADV
ejif-10239	13	79	diverse	diverse	ADJ
ejif-10239	13	80	weather	weather	NOUN
ejif-10239	13	81	proceedings	proceeding	NOUN
ejif-10239	13	82	(	(	PUNCT
ejif-10239	13	83	lorenz	lorenz	PROPN
ejif-10239	13	84	,	,	PUNCT
ejif-10239	13	85	2000	2000	NUM
ejif-10239	13	86	)	)	PUNCT
ejif-10239	13	87	.	.	PUNCT
ejif-10239	14	1	further	far	ADV
ejif-10239	14	2	,	,	PUNCT
ejif-10239	14	3	the	the	DET
ejif-10239	14	4	butterfly	butterfly	NOUN
ejif-10239	14	5	effect	effect	NOUN
ejif-10239	14	6	is	be	AUX
ejif-10239	14	7	used	use	VERB
ejif-10239	14	8	in	in	ADP
ejif-10239	14	9	various	various	ADJ
ejif-10239	14	10	areas	area	NOUN
ejif-10239	14	11	,	,	PUNCT
ejif-10239	14	12	including	include	VERB
ejif-10239	14	13	science	science	NOUN
ejif-10239	14	14	,	,	PUNCT
ejif-10239	14	15	finance	finance	NOUN
ejif-10239	14	16	,	,	PUNCT
ejif-10239	14	17	mathematics	mathematic	NOUN
ejif-10239	14	18	,	,	PUNCT
ejif-10239	14	19	and	and	CCONJ
ejif-10239	14	20	biology	biology	NOUN
ejif-10239	14	21	.	.	PUNCT
ejif-10239	15	1	to	to	PART
ejif-10239	15	2	illustrate	illustrate	VERB
ejif-10239	15	3	,	,	PUNCT
ejif-10239	15	4	seemingly	seemingly	ADV
ejif-10239	15	5	very	very	ADV
ejif-10239	15	6	small	small	ADJ
ejif-10239	15	7	events	event	NOUN
ejif-10239	15	8	may	may	AUX
ejif-10239	15	9	lead	lead	VERB
ejif-10239	15	10	to	to	ADP
ejif-10239	15	11	enormous	enormous	ADJ
ejif-10239	15	12	changes	change	NOUN
ejif-10239	15	13	to	to	ADP
ejif-10239	15	14	a	a	DET
ejif-10239	15	15	process	process	NOUN
ejif-10239	15	16	or	or	CCONJ
ejif-10239	15	17	situation	situation	NOUN
ejif-10239	15	18	.	.	PUNCT
ejif-10239	16	1	applying	apply	VERB
ejif-10239	16	2	this	this	DET
ejif-10239	16	3	concept	concept	NOUN
ejif-10239	16	4	to	to	ADP
ejif-10239	16	5	the	the	DET
ejif-10239	16	6	islamic	islamic	PROPN
ejif-10239	16	7	banking	banking	PROPN
ejif-10239	16	8	(	(	PUNCT
ejif-10239	16	9	ib	ib	NOUN
ejif-10239	16	10	)	)	PUNCT
ejif-10239	16	11	system	system	NOUN
ejif-10239	16	12	through	through	ADP
ejif-10239	16	13	a	a	DET
ejif-10239	16	14	digital	digital	ADJ
ejif-10239	16	15	lens	lens	NOUN
ejif-10239	16	16	suggests	suggest	VERB
ejif-10239	16	17	that	that	SCONJ
ejif-10239	16	18	implementing	implement	VERB
ejif-10239	16	19	financial	financial	ADJ
ejif-10239	16	20	technology	technology	NOUN
ejif-10239	16	21	tools	tool	NOUN
ejif-10239	16	22	into	into	ADP
ejif-10239	16	23	the	the	DET
ejif-10239	16	24	operational	operational	ADJ
ejif-10239	16	25	processes	process	NOUN
ejif-10239	16	26	of	of	ADP
ejif-10239	16	27	the	the	DET
ejif-10239	16	28	ibs	ib	NOUN
ejif-10239	16	29	could	could	AUX
ejif-10239	16	30	have	have	VERB
ejif-10239	16	31	a	a	DET
ejif-10239	16	32	ripple	ripple	ADJ
ejif-10239	16	33	effect	effect	NOUN
ejif-10239	16	34	on	on	ADP
ejif-10239	16	35	the	the	DET
ejif-10239	16	36	various	various	ADJ
ejif-10239	16	37	areas	area	NOUN
ejif-10239	16	38	of	of	ADP
ejif-10239	16	39	the	the	DET
ejif-10239	16	40	market	market	NOUN
ejif-10239	16	41	,	,	PUNCT
ejif-10239	16	42	economy	economy	NOUN
ejif-10239	16	43	,	,	PUNCT
ejif-10239	16	44	and	and	CCONJ
ejif-10239	16	45	environment(abakah	environment(abakah	PROPN
ejif-10239	16	46	et	et	PROPN
ejif-10239	16	47	al	al	PROPN
ejif-10239	16	48	.	.	PROPN
ejif-10239	16	49	,	,	PUNCT
ejif-10239	16	50	2023	2023	NUM
ejif-10239	16	51	;	;	PUNCT
ejif-10239	16	52	khan	khan	PROPN
ejif-10239	16	53	et	et	PROPN
ejif-10239	16	54	al	al	PROPN
ejif-10239	16	55	.	.	PROPN
ejif-10239	16	56	,	,	PUNCT
ejif-10239	16	57	2021	2021	NUM
ejif-10239	16	58	;	;	PUNCT
ejif-10239	16	59	rafiki	rafiki	PROPN
ejif-10239	16	60	&	&	CCONJ
ejif-10239	16	61	nasution	nasution	PROPN
ejif-10239	16	62	,	,	PUNCT
ejif-10239	16	63	2021	2021	NUM
ejif-10239	16	64	;	;	PUNCT
ejif-10239	16	65	rahim	rahim	PROPN
ejif-10239	16	66	et	et	PROPN
ejif-10239	16	67	al	al	PROPN
ejif-10239	16	68	.	.	PROPN
ejif-10239	16	69	,	,	PUNCT
ejif-10239	16	70	2023	2023	NUM
ejif-10239	16	71	)	)	PUNCT
ejif-10239	16	72	.	.	PUNCT
ejif-10239	17	1	due	due	ADP
ejif-10239	17	2	to	to	ADP
ejif-10239	17	3	the	the	DET
ejif-10239	17	4	unique	unique	ADJ
ejif-10239	17	5	framework	framework	NOUN
ejif-10239	17	6	of	of	ADP
ejif-10239	17	7	the	the	DET
ejif-10239	17	8	ib	ib	NOUN
ejif-10239	17	9	institutions	institution	NOUN
ejif-10239	17	10	and	and	CCONJ
ejif-10239	17	11	the	the	DET
ejif-10239	17	12	integration	integration	NOUN
ejif-10239	17	13	of	of	ADP
ejif-10239	17	14	ethical	ethical	ADJ
ejif-10239	17	15	elements	element	NOUN
ejif-10239	17	16	into	into	ADP
ejif-10239	17	17	their	their	PRON
ejif-10239	17	18	business	business	NOUN
ejif-10239	17	19	model	model	NOUN
ejif-10239	17	20	,	,	PUNCT
ejif-10239	17	21	ibs	ibs	PROPN
ejif-10239	17	22	are	be	AUX
ejif-10239	17	23	sensitive	sensitive	ADJ
ejif-10239	17	24	to	to	ADP
ejif-10239	17	25	external	external	ADJ
ejif-10239	17	26	and	and	CCONJ
ejif-10239	17	27	internal	internal	ADJ
ejif-10239	17	28	changes	change	NOUN
ejif-10239	17	29	that	that	PRON
ejif-10239	17	30	may	may	AUX
ejif-10239	17	31	occur	occur	VERB
ejif-10239	17	32	over	over	ADP
ejif-10239	17	33	time(nawaz	time(nawaz	PROPN
ejif-10239	17	34	,	,	PUNCT
ejif-10239	17	35	2017	2017	NUM
ejif-10239	17	36	)	)	PUNCT
ejif-10239	17	37	.	.	PUNCT
ejif-10239	18	1	pinning	pin	VERB
ejif-10239	18	2	down	down	ADP
ejif-10239	18	3	the	the	DET
ejif-10239	18	4	trajectory	trajectory	NOUN
ejif-10239	18	5	of	of	ADP
ejif-10239	18	6	the	the	DET
ejif-10239	18	7	islamic	islamic	ADJ
ejif-10239	18	8	banking	banking	NOUN
ejif-10239	18	9	industry	industry	NOUN
ejif-10239	18	10	in	in	ADP
ejif-10239	18	11	a	a	DET
ejif-10239	18	12	post	post	ADJ
ejif-10239	18	13	-	-	ADJ
ejif-10239	18	14	covid	covid	ADJ
ejif-10239	18	15	era	era	NOUN
ejif-10239	18	16	is	be	AUX
ejif-10239	18	17	very	very	ADV
ejif-10239	18	18	sophisticated	sophisticated	ADJ
ejif-10239	18	19	work	work	NOUN
ejif-10239	18	20	.	.	PUNCT
ejif-10239	19	1	practitioners	practitioner	NOUN
ejif-10239	19	2	and	and	CCONJ
ejif-10239	19	3	economists	economist	NOUN
ejif-10239	19	4	scrutinize	scrutinize	VERB
ejif-10239	19	5	the	the	DET
ejif-10239	19	6	islamic	islamic	ADJ
ejif-10239	19	7	banking	banking	NOUN
ejif-10239	19	8	industry	industry	NOUN
ejif-10239	19	9	from	from	ADP
ejif-10239	19	10	various	various	ADJ
ejif-10239	19	11	aspects	aspect	NOUN
ejif-10239	19	12	,	,	PUNCT
ejif-10239	19	13	taking	take	VERB
ejif-10239	19	14	apart	apart	ADV
ejif-10239	19	15	different	different	ADJ
ejif-10239	19	16	external	external	ADJ
ejif-10239	19	17	and	and	CCONJ
ejif-10239	19	18	internal	internal	ADJ
ejif-10239	19	19	variables	variable	NOUN
ejif-10239	19	20	and	and	CCONJ
ejif-10239	19	21	aiming	aim	VERB
ejif-10239	19	22	to	to	PART
ejif-10239	19	23	map	map	VERB
ejif-10239	19	24	the	the	DET
ejif-10239	19	25	determinants	determinant	NOUN
ejif-10239	19	26	of	of	ADP
ejif-10239	19	27	the	the	DET
ejif-10239	19	28	future	future	NOUN
ejif-10239	19	29	of	of	ADP
ejif-10239	19	30	this	this	DET
ejif-10239	19	31	growing	grow	VERB
ejif-10239	19	32	industry	industry	NOUN
ejif-10239	19	33	.	.	PUNCT
ejif-10239	20	1	however	however	ADV
ejif-10239	20	2	,	,	PUNCT
ejif-10239	20	3	taking	take	VERB
ejif-10239	20	4	it	it	PRON
ejif-10239	20	5	all	all	PRON
ejif-10239	20	6	holistically	holistically	ADV
ejif-10239	20	7	and	and	CCONJ
ejif-10239	20	8	looking	look	VERB
ejif-10239	20	9	into	into	ADP
ejif-10239	20	10	the	the	DET
ejif-10239	20	11	complexity	complexity	NOUN
ejif-10239	20	12	of	of	ADP
ejif-10239	20	13	the	the	DET
ejif-10239	20	14	islamic	islamic	ADJ
ejif-10239	20	15	banking	banking	NOUN
ejif-10239	20	16	industry	industry	NOUN
ejif-10239	20	17	might	might	AUX
ejif-10239	20	18	be	be	AUX
ejif-10239	20	19	the	the	DET
ejif-10239	20	20	solution	solution	NOUN
ejif-10239	20	21	that	that	PRON
ejif-10239	20	22	would	would	AUX
ejif-10239	20	23	fit	fit	VERB
ejif-10239	20	24	the	the	DET
ejif-10239	20	25	intricacy	intricacy	NOUN
ejif-10239	20	26	of	of	ADP
ejif-10239	20	27	the	the	DET
ejif-10239	20	28	phenomena	phenomenon	NOUN
ejif-10239	20	29	.	.	PUNCT
ejif-10239	21	1	the	the	DET
ejif-10239	21	2	complexity	complexity	NOUN
ejif-10239	21	3	of	of	ADP
ejif-10239	21	4	the	the	DET
ejif-10239	21	5	economic	economic	ADJ
ejif-10239	21	6	system	system	NOUN
ejif-10239	21	7	,	,	PUNCT
ejif-10239	21	8	the	the	DET
ejif-10239	21	9	increasing	increase	VERB
ejif-10239	21	10	interactions	interaction	NOUN
ejif-10239	21	11	of	of	ADP
ejif-10239	21	12	heterogeneous	heterogeneous	ADJ
ejif-10239	21	13	variables	variable	NOUN
ejif-10239	21	14	in	in	ADP
ejif-10239	21	15	a	a	DET
ejif-10239	21	16	globalized	globalized	ADJ
ejif-10239	21	17	world	world	NOUN
ejif-10239	21	18	,	,	PUNCT
ejif-10239	21	19	the	the	DET
ejif-10239	21	20	domino	domino	NOUN
ejif-10239	21	21	effect	effect	NOUN
ejif-10239	21	22	of	of	ADP
ejif-10239	21	23	the	the	DET
ejif-10239	21	24	preceding	precede	VERB
ejif-10239	21	25	financial	financial	ADJ
ejif-10239	21	26	crisis	crisis	NOUN
ejif-10239	21	27	,	,	PUNCT
ejif-10239	21	28	and	and	CCONJ
ejif-10239	21	29	consequently	consequently	ADV
ejif-10239	21	30	,	,	PUNCT
ejif-10239	21	31	the	the	DET
ejif-10239	21	32	gigantic	gigantic	ADJ
ejif-10239	21	33	financial	financial	ADJ
ejif-10239	21	34	losses	loss	NOUN
ejif-10239	21	35	of	of	ADP
ejif-10239	21	36	banking	banking	NOUN
ejif-10239	21	37	and	and	CCONJ
ejif-10239	21	38	financial	financial	ADJ
ejif-10239	21	39	institutions	institution	NOUN
ejif-10239	21	40	during	during	ADP
ejif-10239	21	41	the	the	DET
ejif-10239	21	42	last	last	ADJ
ejif-10239	21	43	years	year	NOUN
ejif-10239	21	44	have	have	AUX
ejif-10239	21	45	led	lead	VERB
ejif-10239	21	46	to	to	ADP
ejif-10239	21	47	the	the	DET
ejif-10239	21	48	emergence	emergence	NOUN
ejif-10239	21	49	of	of	ADP
ejif-10239	21	50	a	a	DET
ejif-10239	21	51	fuller	full	ADJ
ejif-10239	21	52	approach	approach	NOUN
ejif-10239	21	53	to	to	ADP
ejif-10239	21	54	analyzing	analyze	VERB
ejif-10239	21	55	the	the	DET
ejif-10239	21	56	economy	economy	NOUN
ejif-10239	21	57	(	(	PUNCT
ejif-10239	21	58	arthur	arthur	PROPN
ejif-10239	21	59	,	,	PUNCT
ejif-10239	21	60	1999	1999	NUM
ejif-10239	21	61	;	;	PUNCT
ejif-10239	21	62	nowotny	nowotny	NOUN
ejif-10239	21	63	,	,	PUNCT
ejif-10239	21	64	2003	2003	NUM
ejif-10239	21	65	;	;	PUNCT
ejif-10239	21	66	awrey	awrey	PROPN
ejif-10239	21	67	,	,	PUNCT
ejif-10239	21	68	2012	2012	NUM
ejif-10239	21	69	;	;	PUNCT
ejif-10239	21	70	arthur	arthur	PROPN
ejif-10239	21	71	,	,	PUNCT
ejif-10239	21	72	2014	2014	NUM
ejif-10239	21	73	)	)	PUNCT
ejif-10239	21	74	.	.	PUNCT
ejif-10239	22	1	looking	look	VERB
ejif-10239	22	2	back	back	ADV
ejif-10239	22	3	to	to	ADP
ejif-10239	22	4	the	the	DET
ejif-10239	22	5	dramatic	dramatic	ADJ
ejif-10239	22	6	consequences	consequence	NOUN
ejif-10239	22	7	of	of	ADP
ejif-10239	22	8	the	the	DET
ejif-10239	22	9	financial	financial	ADJ
ejif-10239	22	10	crashes	crash	NOUN
ejif-10239	22	11	,	,	PUNCT
ejif-10239	22	12	the	the	DET
ejif-10239	22	13	global	global	ADJ
ejif-10239	22	14	financial	financial	ADJ
ejif-10239	22	15	crisis	crisis	NOUN
ejif-10239	22	16	of	of	ADP
ejif-10239	22	17	2008	2008	NUM
ejif-10239	22	18	is	be	AUX
ejif-10239	22	19	on	on	ADP
ejif-10239	22	20	the	the	DET
ejif-10239	22	21	list	list	NOUN
ejif-10239	22	22	;	;	PUNCT
ejif-10239	22	23	the	the	DET
ejif-10239	22	24	later	later	ADJ
ejif-10239	22	25	crisis	crisis	NOUN
ejif-10239	22	26	exposed	expose	VERB
ejif-10239	22	27	the	the	DET
ejif-10239	22	28	blind	blind	ADJ
ejif-10239	22	29	spots	spot	NOUN
ejif-10239	22	30	left	leave	VERB
ejif-10239	22	31	underexamined	underexamine	VERB
ejif-10239	22	32	by	by	ADP
ejif-10239	22	33	the	the	DET
ejif-10239	22	34	traditional	traditional	ADJ
ejif-10239	22	35	finance	finance	NOUN
ejif-10239	22	36	theory	theory	NOUN
ejif-10239	22	37	,	,	PUNCT
ejif-10239	22	38	exhibiting	exhibit	VERB
ejif-10239	22	39	,	,	PUNCT
ejif-10239	22	40	unfortunately	unfortunately	ADV
ejif-10239	22	41	,	,	PUNCT
ejif-10239	22	42	the	the	DET
ejif-10239	22	43	negligence	negligence	NOUN
ejif-10239	22	44	of	of	ADP
ejif-10239	22	45	the	the	DET
ejif-10239	22	46	‘	'	PUNCT
ejif-10239	22	47	uncertainty	uncertainty	NOUN
ejif-10239	22	48	’	'	PUNCT
ejif-10239	22	49	of	of	ADP
ejif-10239	22	50	markets	market	NOUN
ejif-10239	22	51	and	and	CCONJ
ejif-10239	22	52	exposing	expose	VERB
ejif-10239	22	53	the	the	DET
ejif-10239	22	54	lack	lack	NOUN
ejif-10239	22	55	of	of	ADP
ejif-10239	22	56	transparency	transparency	NOUN
ejif-10239	22	57	.	.	PUNCT
ejif-10239	23	1	this	this	PRON
ejif-10239	23	2	triggered	trigger	VERB
ejif-10239	23	3	a	a	DET
ejif-10239	23	4	investors	investor	NOUN
ejif-10239	23	5	’	'	PUNCT
ejif-10239	23	6	mind	mind	NOUN
ejif-10239	23	7	-	-	PUNCT
ejif-10239	23	8	shift	shift	NOUN
ejif-10239	23	9	in	in	ADP
ejif-10239	23	10	the	the	DET
ejif-10239	23	11	financial	financial	ADJ
ejif-10239	23	12	sphere	sphere	NOUN
ejif-10239	23	13	;	;	PUNCT
ejif-10239	23	14	the	the	DET
ejif-10239	23	15	public	public	NOUN
ejif-10239	23	16	started	start	VERB
ejif-10239	23	17	to	to	PART
ejif-10239	23	18	look	look	VERB
ejif-10239	23	19	for	for	ADP
ejif-10239	23	20	an	an	DET
ejif-10239	23	21	alternative	alternative	NOUN
ejif-10239	23	22	to	to	ADP
ejif-10239	23	23	the	the	DET
ejif-10239	23	24	traditional	traditional	ADJ
ejif-10239	23	25	financial	financial	ADJ
ejif-10239	23	26	system	system	NOUN
ejif-10239	23	27	,	,	PUNCT
ejif-10239	23	28	where	where	SCONJ
ejif-10239	23	29	transparency	transparency	NOUN
ejif-10239	23	30	became	become	VERB
ejif-10239	23	31	the	the	DET
ejif-10239	23	32	top	top	ADJ
ejif-10239	23	33	priority	priority	NOUN
ejif-10239	23	34	(	(	PUNCT
ejif-10239	23	35	rabbani	rabbani	PROPN
ejif-10239	23	36	,	,	PUNCT
ejif-10239	23	37	2020	2020	NUM
ejif-10239	23	38	)	)	PUNCT
ejif-10239	23	39	;	;	PUNCT
ejif-10239	23	40	the	the	DET
ejif-10239	23	41	journey	journey	NOUN
ejif-10239	23	42	into	into	ADP
ejif-10239	23	43	looking	look	VERB
ejif-10239	23	44	for	for	ADP
ejif-10239	23	45	a	a	DET
ejif-10239	23	46	“	"	PUNCT
ejif-10239	23	47	trustworthy	trustworthy	ADJ
ejif-10239	23	48	”	"	PUNCT
ejif-10239	23	49	business	business	NOUN
ejif-10239	23	50	model	model	NOUN
ejif-10239	23	51	paved	pave	VERB
ejif-10239	23	52	the	the	DET
ejif-10239	23	53	way	way	NOUN
ejif-10239	23	54	for	for	ADP
ejif-10239	23	55	innovations	innovation	NOUN
ejif-10239	23	56	and	and	CCONJ
ejif-10239	23	57	the	the	DET
ejif-10239	23	58	emergence	emergence	NOUN
ejif-10239	23	59	of	of	ADP
ejif-10239	23	60	a	a	DET
ejif-10239	23	61	thirsty	thirsty	ADJ
ejif-10239	23	62	tech	tech	NOUN
ejif-10239	23	63	-	-	PUNCT
ejif-10239	23	64	savvy	savvy	NOUN
ejif-10239	23	65	community	community	NOUN
ejif-10239	23	66	.	.	PUNCT
ejif-10239	24	1	the	the	DET
ejif-10239	24	2	race	race	NOUN
ejif-10239	24	3	to	to	PART
ejif-10239	24	4	reach	reach	VERB
ejif-10239	24	5	the	the	DET
ejif-10239	24	6	untapped	untapped	ADJ
ejif-10239	24	7	fintech	fintech	NOUN
ejif-10239	24	8	market	market	NOUN
ejif-10239	24	9	led	lead	VERB
ejif-10239	24	10	to	to	ADP
ejif-10239	24	11	the	the	DET
ejif-10239	24	12	birth	birth	NOUN
ejif-10239	24	13	of	of	ADP
ejif-10239	24	14	several	several	ADJ
ejif-10239	24	15	upgraded	upgrade	VERB
ejif-10239	24	16	digital	digital	ADJ
ejif-10239	24	17	services	service	NOUN
ejif-10239	24	18	in	in	ADP
ejif-10239	24	19	the	the	DET
ejif-10239	24	20	financial	financial	ADJ
ejif-10239	24	21	industry	industry	NOUN
ejif-10239	24	22	(	(	PUNCT
ejif-10239	24	23	gomber	gomber	PROPN
ejif-10239	24	24	et	et	PROPN
ejif-10239	24	25	al	al	PROPN
ejif-10239	24	26	.	.	PROPN
ejif-10239	24	27	,	,	PUNCT
ejif-10239	24	28	2018	2018	NUM
ejif-10239	24	29	)	)	PUNCT
ejif-10239	24	30	,	,	PUNCT
ejif-10239	24	31	that	that	PRON
ejif-10239	24	32	spurs	spur	VERB
ejif-10239	24	33	the	the	DET
ejif-10239	24	34	market	market	NOUN
ejif-10239	24	35	with	with	ADP
ejif-10239	24	36	novel	novel	ADJ
ejif-10239	24	37	fancy	fancy	ADJ
ejif-10239	24	38	terminologies	terminology	NOUN
ejif-10239	24	39	,	,	PUNCT
ejif-10239	24	40	to	to	PART
ejif-10239	24	41	name	name	VERB
ejif-10239	24	42	a	a	DET
ejif-10239	24	43	few	few	ADJ
ejif-10239	24	44	of	of	ADP
ejif-10239	24	45	the	the	DET
ejif-10239	24	46	services	service	NOUN
ejif-10239	24	47	relatively	relatively	ADV
ejif-10239	24	48	newly	newly	ADV
ejif-10239	24	49	born	bear	VERB
ejif-10239	24	50	,	,	PUNCT
ejif-10239	24	51	such	such	ADJ
ejif-10239	24	52	as	as	ADP
ejif-10239	24	53	artificial	artificial	ADJ
ejif-10239	24	54	intelligence	intelligence	NOUN
ejif-10239	24	55	,	,	PUNCT
ejif-10239	24	56	reg	reg	NOUN
ejif-10239	24	57	-	-	PUNCT
ejif-10239	24	58	tech	tech	NOUN
ejif-10239	24	59	,	,	PUNCT
ejif-10239	24	60	blockchain	blockchain	NOUN
ejif-10239	24	61	,	,	PUNCT
ejif-10239	24	62	cryptocurrency	cryptocurrency	NOUN
ejif-10239	24	63	,	,	PUNCT
ejif-10239	24	64	smart	smart	ADJ
ejif-10239	24	65	banking	banking	NOUN
ejif-10239	24	66	,	,	PUNCT
ejif-10239	24	67	smart	smart	ADJ
ejif-10239	24	68	contract	contract	NOUN
ejif-10239	24	69	,	,	PUNCT
ejif-10239	24	70	peer	peer	VERB
ejif-10239	24	71	to	to	ADP
ejif-10239	24	72	peer	peer	NOUN
ejif-10239	24	73	lending	lending	NOUN
ejif-10239	24	74	and	and	CCONJ
ejif-10239	24	75	many	many	ADJ
ejif-10239	24	76	other	other	ADJ
ejif-10239	24	77	“	"	PUNCT
ejif-10239	24	78	nerdy	nerdy	ADJ
ejif-10239	24	79	”	"	PUNCT
ejif-10239	24	80	terms	term	NOUN
ejif-10239	24	81	,	,	PUNCT
ejif-10239	24	82	very	very	ADV
ejif-10239	24	83	appealing	appealing	ADJ
ejif-10239	24	84	to	to	ADP
ejif-10239	24	85	the	the	DET
ejif-10239	24	86	relevant	relevant	ADJ
ejif-10239	24	87	public	public	NOUN
ejif-10239	24	88	.	.	PUNCT
ejif-10239	25	1	the	the	DET
ejif-10239	25	2	islamic	islamic	ADJ
ejif-10239	25	3	banking	banking	NOUN
ejif-10239	25	4	industry	industry	NOUN
ejif-10239	25	5	is	be	AUX
ejif-10239	25	6	not	not	PART
ejif-10239	25	7	an	an	DET
ejif-10239	25	8	exception	exception	NOUN
ejif-10239	25	9	to	to	ADP
ejif-10239	25	10	the	the	DET
ejif-10239	25	11	trend	trend	NOUN
ejif-10239	25	12	;	;	PUNCT
ejif-10239	25	13	indeed	indeed	ADV
ejif-10239	25	14	,	,	PUNCT
ejif-10239	25	15	technological	technological	ADJ
ejif-10239	25	16	developments	development	NOUN
ejif-10239	25	17	are	be	AUX
ejif-10239	25	18	lowering	lower	VERB
ejif-10239	25	19	the	the	DET
ejif-10239	25	20	barriers	barrier	NOUN
ejif-10239	25	21	to	to	ADP
ejif-10239	25	22	entry	entry	NOUN
ejif-10239	25	23	for	for	ADP
ejif-10239	25	24	entrepreneurs	entrepreneur	NOUN
ejif-10239	25	25	who	who	PRON
ejif-10239	25	26	want	want	VERB
ejif-10239	25	27	to	to	PART
ejif-10239	25	28	operate	operate	VERB
ejif-10239	25	29	in	in	ADP
ejif-10239	25	30	the	the	DET
ejif-10239	25	31	islamic	islamic	ADJ
ejif-10239	25	32	fintech	fintech	NOUN
ejif-10239	25	33	sector	sector	NOUN
ejif-10239	25	34	(	(	PUNCT
ejif-10239	25	35	ali	ali	PROPN
ejif-10239	25	36	et	et	PROPN
ejif-10239	25	37	al	al	PROPN
ejif-10239	25	38	.	.	PROPN
ejif-10239	25	39	,	,	PUNCT
ejif-10239	25	40	2019	2019	NUM
ejif-10239	25	41	;	;	PUNCT
ejif-10239	25	42	khan	khan	PROPN
ejif-10239	25	43	,	,	PUNCT
ejif-10239	25	44	2015	2015	NUM
ejif-10239	25	45	;	;	PUNCT
ejif-10239	25	46	lutfi	lutfi	PROPN
ejif-10239	25	47	and	and	CCONJ
ejif-10239	25	48	ismail	ismail	PROPN
ejif-10239	25	49	,	,	PUNCT
ejif-10239	25	50	2016	2016	NUM
ejif-10239	25	51	;	;	PUNCT
ejif-10239	25	52	marzban	marzban	PROPN
ejif-10239	25	53	et	et	PROPN
ejif-10239	25	54	al	al	PROPN
ejif-10239	25	55	.	.	PROPN
ejif-10239	25	56	,	,	PUNCT
ejif-10239	25	57	2014	2014	NUM
ejif-10239	25	58	;	;	PUNCT
ejif-10239	25	59	taha	taha	PROPN
ejif-10239	25	60	and	and	CCONJ
ejif-10239	25	61	macias	macias	PROPN
ejif-10239	25	62	,	,	PUNCT
ejif-10239	25	63	2014	2014	NUM
ejif-10239	25	64	;	;	PUNCT
ejif-10239	25	65	torabi	torabi	NOUN
ejif-10239	25	66	,	,	PUNCT
ejif-10239	25	67	2017	2017	NUM
ejif-10239	25	68	;	;	PUNCT
ejif-10239	25	69	wahjono	wahjono	NOUN
ejif-10239	25	70	and	and	CCONJ
ejif-10239	25	71	marina	marina	NOUN
ejif-10239	25	72	,	,	PUNCT
ejif-10239	25	73	2017	2017	NUM
ejif-10239	25	74	)	)	PUNCT
ejif-10239	25	75	,	,	PUNCT
ejif-10239	25	76	especially	especially	ADV
ejif-10239	25	77	after	after	ADP
ejif-10239	25	78	the	the	DET
ejif-10239	25	79	onset	onset	NOUN
ejif-10239	25	80	of	of	ADP
ejif-10239	25	81	the	the	DET
ejif-10239	25	82	covid-19	covid-19	PROPN
ejif-10239	25	83	pandemic	pandemic	NOUN
ejif-10239	25	84	,	,	PUNCT
ejif-10239	25	85	which	which	PRON
ejif-10239	25	86	pushed	push	VERB
ejif-10239	25	87	the	the	DET
ejif-10239	25	88	financial	financial	ADJ
ejif-10239	25	89	sector	sector	NOUN
ejif-10239	25	90	to	to	PART
ejif-10239	25	91	innovate	innovate	VERB
ejif-10239	25	92	more	more	ADV
ejif-10239	25	93	to	to	PART
ejif-10239	25	94	facilitate	facilitate	VERB
ejif-10239	25	95	digital	digital	ADJ
ejif-10239	25	96	transactions	transaction	NOUN
ejif-10239	25	97	and	and	CCONJ
ejif-10239	25	98	to	to	PART
ejif-10239	25	99	reduce	reduce	VERB
ejif-10239	25	100	inperson	inperson	ADJ
ejif-10239	25	101	financial	financial	ADJ
ejif-10239	25	102	contacts	contact	NOUN
ejif-10239	25	103	and	and	CCONJ
ejif-10239	25	104	formalities	formality	NOUN
ejif-10239	25	105	.	.	PUNCT
ejif-10239	26	1	the	the	DET
ejif-10239	26	2	ability	ability	NOUN
ejif-10239	26	3	to	to	PART
ejif-10239	26	4	transform	transform	VERB
ejif-10239	26	5	bulky	bulky	ADJ
ejif-10239	26	6	data	datum	NOUN
ejif-10239	26	7	into	into	ADP
ejif-10239	26	8	usable	usable	ADJ
ejif-10239	26	9	information	information	NOUN
ejif-10239	26	10	,	,	PUNCT
ejif-10239	26	11	the	the	DET
ejif-10239	26	12	availability	availability	NOUN
ejif-10239	26	13	of	of	ADP
ejif-10239	26	14	tickby	tickby	NOUN
ejif-10239	26	15	-	-	PUNCT
ejif-10239	26	16	tick	tick	NOUN
ejif-10239	26	17	data	datum	NOUN
ejif-10239	26	18	,	,	PUNCT
ejif-10239	26	19	and	and	CCONJ
ejif-10239	26	20	the	the	DET
ejif-10239	26	21	transparency	transparency	NOUN
ejif-10239	26	22	characteristic	characteristic	NOUN
ejif-10239	26	23	of	of	ADP
ejif-10239	26	24	a	a	DET
ejif-10239	26	25	multitude	multitude	NOUN
ejif-10239	26	26	of	of	ADP
ejif-10239	26	27	fintech	fintech	NOUN
ejif-10239	26	28	tools	tool	NOUN
ejif-10239	26	29	and	and	CCONJ
ejif-10239	26	30	services	service	NOUN
ejif-10239	26	31	helped	help	VERB
ejif-10239	26	32	economists	economist	NOUN
ejif-10239	26	33	and	and	CCONJ
ejif-10239	26	34	practitioners	practitioner	NOUN
ejif-10239	26	35	to	to	PART
ejif-10239	26	36	test	test	VERB
ejif-10239	26	37	the	the	DET
ejif-10239	26	38	presence	presence	NOUN
ejif-10239	26	39	of	of	ADP
ejif-10239	26	40	fractal	fractal	ADJ
ejif-10239	26	41	patterns	pattern	NOUN
ejif-10239	26	42	or	or	CCONJ
ejif-10239	26	43	nonlinearity	nonlinearity	NOUN
ejif-10239	26	44	in	in	ADP
ejif-10239	26	45	markets	market	NOUN
ejif-10239	26	46	.	.	PUNCT
ejif-10239	27	1	the	the	DET
ejif-10239	27	2	digitalization	digitalization	NOUN
ejif-10239	27	3	of	of	ADP
ejif-10239	27	4	the	the	DET
ejif-10239	27	5	financial	financial	ADJ
ejif-10239	27	6	systems	system	NOUN
ejif-10239	27	7	and	and	CCONJ
ejif-10239	27	8	the	the	DET
ejif-10239	27	9	uniqueness	uniqueness	NOUN
ejif-10239	27	10	of	of	ADP
ejif-10239	27	11	the	the	DET
ejif-10239	27	12	shariah	shariah	PROPN
ejif-10239	27	13	-	-	PUNCT
ejif-10239	27	14	compliant	compliant	ADJ
ejif-10239	27	15	banking	banking	NOUN
ejif-10239	27	16	industry	industry	NOUN
ejif-10239	27	17	bring	bring	VERB
ejif-10239	27	18	under	under	ADV
ejif-10239	27	19	one	one	NUM
ejif-10239	27	20	umbrella	umbrella	NOUN
ejif-10239	27	21	a	a	DET
ejif-10239	27	22	complex	complex	ADJ
ejif-10239	27	23	framework	framework	NOUN
ejif-10239	27	24	that	that	PRON
ejif-10239	27	25	might	might	AUX
ejif-10239	27	26	have	have	VERB
ejif-10239	27	27	dramatic	dramatic	ADJ
ejif-10239	27	28	consequences	consequence	NOUN
ejif-10239	27	29	on	on	ADP
ejif-10239	27	30	the	the	DET
ejif-10239	27	31	full	full	ADJ
ejif-10239	27	32	economic	economic	ADJ
ejif-10239	27	33	situation	situation	NOUN
ejif-10239	27	34	of	of	ADP
ejif-10239	27	35	the	the	DET
ejif-10239	27	36	country	country	NOUN
ejif-10239	27	37	or	or	CCONJ
ejif-10239	27	38	region	region	NOUN
ejif-10239	27	39	.	.	PUNCT
ejif-10239	28	1	indeed	indeed	ADV
ejif-10239	28	2	,	,	PUNCT
ejif-10239	28	3	the	the	DET
ejif-10239	28	4	fintech	fintech	NOUN
ejif-10239	28	5	ecosystem	ecosystem	NOUN
ejif-10239	28	6	exhibits	exhibit	VERB
ejif-10239	28	7	nonlinear	nonlinear	ADJ
ejif-10239	28	8	features	feature	NOUN
ejif-10239	28	9	,	,	PUNCT
ejif-10239	28	10	dynamic	dynamic	ADJ
ejif-10239	28	11	behaviour	behaviour	NOUN
ejif-10239	28	12	,	,	PUNCT
ejif-10239	28	13	and	and	CCONJ
ejif-10239	28	14	very	very	ADV
ejif-10239	28	15	complex	complex	ADJ
ejif-10239	28	16	inner	inner	ADJ
ejif-10239	28	17	methodologies	methodology	NOUN
ejif-10239	28	18	,	,	PUNCT
ejif-10239	28	19	with	with	SCONJ
ejif-10239	28	20	the	the	DET
ejif-10239	28	21	exponential	exponential	ADJ
ejif-10239	28	22	growth	growth	NOUN
ejif-10239	28	23	of	of	ADP
ejif-10239	28	24	this	this	DET
ejif-10239	28	25	market	market	NOUN
ejif-10239	28	26	grows	grow	VERB
ejif-10239	28	27	the	the	DET
ejif-10239	28	28	magnitude	magnitude	NOUN
ejif-10239	28	29	of	of	ADP
ejif-10239	28	30	its	its	PRON
ejif-10239	28	31	effect	effect	NOUN
ejif-10239	28	32	on	on	ADP
ejif-10239	28	33	other	other	ADJ
ejif-10239	28	34	areas	area	NOUN
ejif-10239	28	35	of	of	ADP
ejif-10239	28	36	the	the	DET
ejif-10239	28	37	economy	economy	NOUN
ejif-10239	28	38	(	(	PUNCT
ejif-10239	28	39	jinasena	jinasena	NOUN
ejif-10239	28	40	et	et	PROPN
ejif-10239	28	41	al	al	PROPN
ejif-10239	28	42	.	.	PROPN
ejif-10239	28	43	,	,	PUNCT
ejif-10239	28	44	2020	2020	NUM
ejif-10239	28	45	;	;	PUNCT
ejif-10239	28	46	muthukannan	muthukannan	NOUN
ejif-10239	28	47	et	et	PROPN
ejif-10239	28	48	al	al	PROPN
ejif-10239	28	49	.	.	PROPN
ejif-10239	28	50	,	,	PUNCT
ejif-10239	28	51	2020	2020	NUM
ejif-10239	28	52	)	)	PUNCT
ejif-10239	28	53	.	.	PUNCT
ejif-10239	29	1	considering	consider	VERB
ejif-10239	29	2	that	that	SCONJ
ejif-10239	29	3	malaysia	malaysia	PROPN
ejif-10239	29	4	has	have	VERB
ejif-10239	29	5	a	a	DET
ejif-10239	29	6	well	well	ADV
ejif-10239	29	7	-	-	PUNCT
ejif-10239	29	8	developed	develop	VERB
ejif-10239	29	9	financial	financial	ADJ
ejif-10239	29	10	system	system	NOUN
ejif-10239	29	11	and	and	CCONJ
ejif-10239	29	12	is	be	AUX
ejif-10239	29	13	one	one	NUM
ejif-10239	29	14	of	of	ADP
ejif-10239	29	15	the	the	DET
ejif-10239	29	16	hot	hot	ADJ
ejif-10239	29	17	hubs	hub	NOUN
ejif-10239	29	18	for	for	ADP
ejif-10239	29	19	fintech	fintech	NOUN
ejif-10239	29	20	and	and	CCONJ
ejif-10239	29	21	islamic	islamic	ADJ
ejif-10239	29	22	finance	finance	NOUN
ejif-10239	29	23	(	(	PUNCT
ejif-10239	29	24	tun	tun	NOUN
ejif-10239	29	25	-	-	NOUN
ejif-10239	29	26	pin	pin	NOUN
ejif-10239	29	27	et	et	PROPN
ejif-10239	29	28	al	al	PROPN
ejif-10239	29	29	.	.	PROPN
ejif-10239	29	30	,	,	PUNCT
ejif-10239	29	31	2019	2019	NUM
ejif-10239	29	32	;	;	PUNCT
ejif-10239	29	33	ab	ab	PROPN
ejif-10239	29	34	razak	razak	PROPN
ejif-10239	29	35	et	et	PROPN
ejif-10239	29	36	al	al	PROPN
ejif-10239	29	37	.	.	PROPN
ejif-10239	29	38	,	,	PUNCT
ejif-10239	29	39	2020	2020	NUM
ejif-10239	29	40	;	;	PUNCT
ejif-10239	29	41	sallah	sallah	PROPN
ejif-10239	29	42	and	and	CCONJ
ejif-10239	29	43	tasnim	tasnim	NOUN
ejif-10239	29	44	,	,	PUNCT
ejif-10239	29	45	2022	2022	NUM
ejif-10239	29	46	;	;	PUNCT
ejif-10239	29	47	zakariyah	zakariyah	PROPN
ejif-10239	29	48	et	et	PROPN
ejif-10239	29	49	al	al	PROPN
ejif-10239	29	50	.	.	PROPN
ejif-10239	29	51	,	,	PUNCT
ejif-10239	29	52	2022	2022	NUM
ejif-10239	29	53	)	)	PUNCT
ejif-10239	29	54	,	,	PUNCT
ejif-10239	29	55	the	the	DET
ejif-10239	29	56	influence	influence	NOUN
ejif-10239	29	57	of	of	ADP
ejif-10239	29	58	fintech	fintech	NOUN
ejif-10239	29	59	adoption	adoption	NOUN
ejif-10239	29	60	on	on	ADP
ejif-10239	29	61	the	the	DET
ejif-10239	29	62	broader	broad	ADJ
ejif-10239	29	63	spectrum	spectrum	NOUN
ejif-10239	29	64	of	of	ADP
ejif-10239	29	65	the	the	DET
ejif-10239	29	66	economy	economy	NOUN
ejif-10239	29	67	is	be	AUX
ejif-10239	29	68	certainly	certainly	ADV
ejif-10239	29	69	significant	significant	ADJ
ejif-10239	29	70	.	.	PUNCT
ejif-10239	30	1	undeniably	undeniably	ADV
ejif-10239	30	2	,	,	PUNCT
ejif-10239	30	3	finance	finance	NOUN
ejif-10239	30	4	being	be	AUX
ejif-10239	30	5	embedded	embed	VERB
ejif-10239	30	6	in	in	ADP
ejif-10239	30	7	the	the	DET
ejif-10239	30	8	quasi	quasi	ADJ
ejif-10239	30	9	totality	totality	NOUN
ejif-10239	30	10	of	of	ADP
ejif-10239	30	11	daily	daily	ADJ
ejif-10239	30	12	life	life	NOUN
ejif-10239	30	13	interactions	interaction	NOUN
ejif-10239	30	14	,	,	PUNCT
ejif-10239	30	15	certainly	certainly	ADV
ejif-10239	30	16	,	,	PUNCT
ejif-10239	30	17	in	in	ADP
ejif-10239	30	18	countries	country	NOUN
ejif-10239	30	19	with	with	ADP
ejif-10239	30	20	the	the	DET
ejif-10239	30	21	majority	majority	NOUN
ejif-10239	30	22	of	of	ADP
ejif-10239	30	23	the	the	DET
ejif-10239	30	24	muslim	muslim	ADJ
ejif-10239	30	25	population	population	NOUN
ejif-10239	30	26	,	,	PUNCT
ejif-10239	30	27	the	the	DET
ejif-10239	30	28	adoption	adoption	NOUN
ejif-10239	30	29	of	of	ADP
ejif-10239	30	30	islamic	islamic	ADJ
ejif-10239	30	31	fintech	fintech	NOUN
ejif-10239	30	32	can	can	AUX
ejif-10239	30	33	be	be	AUX
ejif-10239	30	34	quantified	quantify	VERB
ejif-10239	30	35	.	.	PUNCT
ejif-10239	31	1	it	it	PRON
ejif-10239	31	2	therefore	therefore	ADV
ejif-10239	31	3	may	may	AUX
ejif-10239	31	4	permit	permit	VERB
ejif-10239	31	5	measuring	measure	VERB
ejif-10239	31	6	the	the	DET
ejif-10239	31	7	effect	effect	NOUN
ejif-10239	31	8	of	of	ADP
ejif-10239	31	9	tech	tech	NOUN
ejif-10239	31	10	on	on	ADP
ejif-10239	31	11	the	the	DET
ejif-10239	31	12	ibs	ibs	PROPN
ejif-10239	31	13	industry	industry	NOUN
ejif-10239	31	14	.	.	PUNCT
ejif-10239	32	1	the	the	DET
ejif-10239	32	2	degree	degree	NOUN
ejif-10239	32	3	of	of	ADP
ejif-10239	32	4	sensitivity	sensitivity	NOUN
ejif-10239	32	5	of	of	ADP
ejif-10239	32	6	ibs	ibs	PROPN
ejif-10239	32	7	could	could	AUX
ejif-10239	32	8	be	be	AUX
ejif-10239	32	9	seen	see	VERB
ejif-10239	32	10	through	through	ADP
ejif-10239	32	11	the	the	DET
ejif-10239	32	12	lens	lens	NOUN
ejif-10239	32	13	of	of	ADP
ejif-10239	32	14	the	the	DET
ejif-10239	32	15	butterfly	butterfly	NOUN
ejif-10239	32	16	effect	effect	NOUN
ejif-10239	32	17	;	;	PUNCT
ejif-10239	32	18	incorporating	incorporate	VERB
ejif-10239	32	19	the	the	DET
ejif-10239	32	20	fintech	fintech	NOUN
ejif-10239	32	21	element	element	NOUN
ejif-10239	32	22	into	into	ADP
ejif-10239	32	23	this	this	DET
ejif-10239	32	24	framework	framework	NOUN
ejif-10239	32	25	permits	permit	VERB
ejif-10239	32	26	the	the	DET
ejif-10239	32	27	articulation	articulation	NOUN
ejif-10239	32	28	of	of	ADP
ejif-10239	32	29	a	a	DET
ejif-10239	32	30	digital	digital	ADJ
ejif-10239	32	31	butterfly	butterfly	NOUN
ejif-10239	32	32	effect	effect	NOUN
ejif-10239	32	33	for	for	ADP
ejif-10239	32	34	the	the	DET
ejif-10239	32	35	ibs	ibs	PROPN
ejif-10239	32	36	and	and	CCONJ
ejif-10239	32	37	measuring	measure	VERB
ejif-10239	32	38	the	the	DET
ejif-10239	32	39	extent	extent	NOUN
ejif-10239	32	40	of	of	ADP
ejif-10239	32	41	the	the	DET
ejif-10239	32	42	fintech	fintech	NOUN
ejif-10239	32	43	adoption	adoption	NOUN
ejif-10239	32	44	by	by	ADP
ejif-10239	32	45	ibs	ibs	PROPN
ejif-10239	32	46	on	on	ADP
ejif-10239	32	47	economic	economic	ADJ
ejif-10239	32	48	development	development	NOUN
ejif-10239	32	49	in	in	ADP
ejif-10239	32	50	malaysia	malaysia	PROPN
ejif-10239	32	51	.	.	PUNCT
ejif-10239	33	1	this	this	DET
ejif-10239	33	2	study	study	NOUN
ejif-10239	33	3	builds	build	VERB
ejif-10239	33	4	on	on	ADP
ejif-10239	33	5	chaos	chaos	NOUN
ejif-10239	33	6	theory	theory	NOUN
ejif-10239	33	7	in	in	ADP
ejif-10239	33	8	finance	finance	NOUN
ejif-10239	33	9	and	and	CCONJ
ejif-10239	33	10	examines	examine	VERB
ejif-10239	33	11	the	the	DET
ejif-10239	33	12	digital	digital	ADJ
ejif-10239	33	13	butterfly	butterfly	NOUN
ejif-10239	33	14	effect	effect	NOUN
ejif-10239	33	15	of	of	ADP
ejif-10239	33	16	financial	financial	ADJ
ejif-10239	33	17	technology	technology	NOUN
ejif-10239	33	18	adoption	adoption	NOUN
ejif-10239	33	19	in	in	ADP
ejif-10239	33	20	the	the	DET
ejif-10239	33	21	islamic	islamic	ADJ
ejif-10239	33	22	banking	banking	NOUN
ejif-10239	33	23	industry	industry	NOUN
ejif-10239	33	24	.	.	PUNCT
ejif-10239	34	1	drawing	draw	VERB
ejif-10239	34	2	on	on	ADP
ejif-10239	34	3	the	the	DET
ejif-10239	34	4	parallelism	parallelism	NOUN
ejif-10239	34	5	between	between	ADP
ejif-10239	34	6	the	the	DET
ejif-10239	34	7	digitalization	digitalization	NOUN
ejif-10239	34	8	of	of	ADP
ejif-10239	34	9	the	the	DET
ejif-10239	34	10	finance	finance	NOUN
ejif-10239	34	11	industry	industry	NOUN
ejif-10239	34	12	and	and	CCONJ
ejif-10239	34	13	the	the	DET
ejif-10239	34	14	complexity	complexity	NOUN
ejif-10239	34	15	of	of	ADP
ejif-10239	34	16	the	the	DET
ejif-10239	34	17	islamic	islamic	ADJ
ejif-10239	34	18	financial	financial	ADJ
ejif-10239	34	19	sector	sector	NOUN
ejif-10239	34	20	in	in	ADP
ejif-10239	34	21	a	a	DET
ejif-10239	34	22	post	post	ADJ
ejif-10239	34	23	-	-	ADJ
ejif-10239	34	24	pandemic	pandemic	ADJ
ejif-10239	34	25	world	world	NOUN
ejif-10239	34	26	.	.	PUNCT
ejif-10239	35	1	to	to	PART
ejif-10239	35	2	ensure	ensure	VERB
ejif-10239	35	3	a	a	DET
ejif-10239	35	4	comprehensive	comprehensive	ADJ
ejif-10239	35	5	understanding	understanding	NOUN
ejif-10239	35	6	of	of	ADP
ejif-10239	35	7	this	this	DET
ejif-10239	35	8	phenomenon	phenomenon	NOUN
ejif-10239	35	9	,	,	PUNCT
ejif-10239	35	10	this	this	DET
ejif-10239	35	11	study	study	NOUN
ejif-10239	35	12	is	be	AUX
ejif-10239	35	13	guided	guide	VERB
ejif-10239	35	14	by	by	ADP
ejif-10239	35	15	the	the	DET
ejif-10239	35	16	following	following	ADJ
ejif-10239	35	17	primary	primary	ADJ
ejif-10239	35	18	research	research	NOUN
ejif-10239	35	19	question	question	NOUN
ejif-10239	35	20	:	:	PUNCT
ejif-10239	35	21	european	european	ADJ
ejif-10239	35	22	journal	journal	PROPN
ejif-10239	35	23	of	of	ADP
ejif-10239	35	24	islamic	islamic	PROPN
ejif-10239	35	25	finance	finance	PROPN
ejif-10239	35	26	issn	issn	PROPN
ejif-10239	35	27	:	:	PUNCT
ejif-10239	35	28	2421	2421	NUM
ejif-10239	35	29	-	-	SYM
ejif-10239	35	30	2172	2172	NUM
ejif-10239	35	31	doi	doi	NOUN
ejif-10239	35	32	:	:	PUNCT
ejif-10239	35	33	10.13135/2421	10.13135/2421	NUM
ejif-10239	35	34	-	-	SYM
ejif-10239	35	35	2172/10239	2172/10239	NUM
ejif-10239	35	36	published	publish	VERB
ejif-10239	35	37	by	by	ADP
ejif-10239	35	38	university	university	PROPN
ejif-10239	35	39	of	of	ADP
ejif-10239	35	40	turin	turin	PROPN
ejif-10239	36	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	36	2	ejif	ejif	PROPN
ejif-10239	36	3	content	content	NOUN
ejif-10239	36	4	is	be	AUX
ejif-10239	36	5	licensed	license	VERB
ejif-10239	36	6	under	under	ADP
ejif-10239	36	7	a	a	DET
ejif-10239	36	8	creative	creative	ADJ
ejif-10239	36	9	commons	common	NOUN
ejif-10239	36	10	attribution	attribution	NOUN
ejif-10239	36	11	4.0	4.0	NUM
ejif-10239	36	12	international	international	ADJ
ejif-10239	36	13	license	license	NOUN
ejif-10239	36	14	38	38	NUM
ejif-10239	36	15	“	"	PUNCT
ejif-10239	36	16	how	how	SCONJ
ejif-10239	36	17	does	do	AUX
ejif-10239	36	18	adopting	adopt	VERB
ejif-10239	36	19	fintech	fintech	NOUN
ejif-10239	36	20	in	in	ADP
ejif-10239	36	21	the	the	DET
ejif-10239	36	22	islamic	islamic	ADJ
ejif-10239	36	23	banking	banking	NOUN
ejif-10239	36	24	sector	sector	NOUN
ejif-10239	36	25	create	create	VERB
ejif-10239	36	26	a	a	DET
ejif-10239	36	27	digital	digital	ADJ
ejif-10239	36	28	butterfly	butterfly	NOUN
ejif-10239	36	29	effect	effect	NOUN
ejif-10239	36	30	that	that	PRON
ejif-10239	36	31	influences	influence	VERB
ejif-10239	36	32	financial	financial	ADJ
ejif-10239	36	33	performance	performance	NOUN
ejif-10239	36	34	metrics	metric	NOUN
ejif-10239	36	35	and	and	CCONJ
ejif-10239	36	36	broader	broad	ADJ
ejif-10239	36	37	economic	economic	ADJ
ejif-10239	36	38	indicators	indicator	NOUN
ejif-10239	36	39	?	?	PUNCT
ejif-10239	36	40	”	"	PUNCT
ejif-10239	36	41	.	.	PUNCT
ejif-10239	37	1	accordingly	accordingly	ADV
ejif-10239	37	2	,	,	PUNCT
ejif-10239	37	3	this	this	DET
ejif-10239	37	4	paper	paper	NOUN
ejif-10239	37	5	aims	aim	VERB
ejif-10239	37	6	to	to	PART
ejif-10239	37	7	provide	provide	VERB
ejif-10239	37	8	a	a	DET
ejif-10239	37	9	holistic	holistic	ADJ
ejif-10239	37	10	understanding	understanding	NOUN
ejif-10239	37	11	of	of	ADP
ejif-10239	37	12	how	how	SCONJ
ejif-10239	37	13	fintech	fintech	NOUN
ejif-10239	37	14	adoption	adoption	NOUN
ejif-10239	37	15	transforms	transform	VERB
ejif-10239	37	16	the	the	DET
ejif-10239	37	17	islamic	islamic	ADJ
ejif-10239	37	18	banking	banking	NOUN
ejif-10239	37	19	landscape	landscape	NOUN
ejif-10239	37	20	,	,	PUNCT
ejif-10239	37	21	not	not	PART
ejif-10239	37	22	only	only	ADV
ejif-10239	37	23	by	by	ADP
ejif-10239	37	24	enhancing	enhance	VERB
ejif-10239	37	25	financial	financial	ADJ
ejif-10239	37	26	performance	performance	NOUN
ejif-10239	37	27	metrics	metric	NOUN
ejif-10239	37	28	such	such	ADJ
ejif-10239	37	29	as	as	ADP
ejif-10239	37	30	return	return	NOUN
ejif-10239	37	31	on	on	ADP
ejif-10239	37	32	assets	asset	NOUN
ejif-10239	37	33	(	(	PUNCT
ejif-10239	37	34	roa	roa	NOUN
ejif-10239	37	35	)	)	PUNCT
ejif-10239	37	36	and	and	CCONJ
ejif-10239	37	37	return	return	VERB
ejif-10239	37	38	on	on	ADP
ejif-10239	37	39	equity	equity	NOUN
ejif-10239	37	40	(	(	PUNCT
ejif-10239	37	41	roe	roe	PROPN
ejif-10239	37	42	)	)	PUNCT
ejif-10239	37	43	but	but	CCONJ
ejif-10239	37	44	also	also	ADV
ejif-10239	37	45	by	by	ADP
ejif-10239	37	46	generating	generate	VERB
ejif-10239	37	47	significant	significant	ADJ
ejif-10239	37	48	ripple	ripple	ADJ
ejif-10239	37	49	effects	effect	NOUN
ejif-10239	37	50	across	across	ADP
ejif-10239	37	51	the	the	DET
ejif-10239	37	52	broader	broad	ADJ
ejif-10239	37	53	economy	economy	NOUN
ejif-10239	37	54	.	.	PUNCT
ejif-10239	38	1	this	this	PRON
ejif-10239	38	2	includes	include	VERB
ejif-10239	38	3	assessing	assess	VERB
ejif-10239	38	4	impacts	impact	NOUN
ejif-10239	38	5	on	on	ADP
ejif-10239	38	6	gdp	gdp	NOUN
ejif-10239	38	7	growth	growth	NOUN
ejif-10239	38	8	,	,	PUNCT
ejif-10239	38	9	unemployment	unemployment	NOUN
ejif-10239	38	10	rates	rate	NOUN
ejif-10239	38	11	,	,	PUNCT
ejif-10239	38	12	household	household	NOUN
ejif-10239	38	13	consumption	consumption	NOUN
ejif-10239	38	14	,	,	PUNCT
ejif-10239	38	15	and	and	CCONJ
ejif-10239	38	16	corporate	corporate	ADJ
ejif-10239	38	17	tax	tax	NOUN
ejif-10239	38	18	revenue	revenue	NOUN
ejif-10239	38	19	.	.	PUNCT
ejif-10239	39	1	ultimately	ultimately	ADV
ejif-10239	39	2	,	,	PUNCT
ejif-10239	39	3	the	the	DET
ejif-10239	39	4	study	study	NOUN
ejif-10239	39	5	seeks	seek	VERB
ejif-10239	39	6	to	to	PART
ejif-10239	39	7	establish	establish	VERB
ejif-10239	39	8	and	and	CCONJ
ejif-10239	39	9	quantify	quantify	VERB
ejif-10239	39	10	the	the	DET
ejif-10239	39	11	digital	digital	ADJ
ejif-10239	39	12	butterfly	butterfly	NOUN
ejif-10239	39	13	effect	effect	NOUN
ejif-10239	39	14	of	of	ADP
ejif-10239	39	15	fintech	fintech	NOUN
ejif-10239	39	16	integration	integration	NOUN
ejif-10239	39	17	within	within	ADP
ejif-10239	39	18	the	the	DET
ejif-10239	39	19	shariah	shariah	PROPN
ejif-10239	39	20	-	-	PUNCT
ejif-10239	39	21	compliant	compliant	ADJ
ejif-10239	39	22	financial	financial	ADJ
ejif-10239	39	23	ecosystem	ecosystem	NOUN
ejif-10239	39	24	.	.	PUNCT
ejif-10239	40	1	to	to	ADP
ejif-10239	40	2	the	the	DET
ejif-10239	40	3	best	good	ADJ
ejif-10239	40	4	of	of	ADP
ejif-10239	40	5	our	our	PRON
ejif-10239	40	6	knowledge	knowledge	NOUN
ejif-10239	40	7	,	,	PUNCT
ejif-10239	40	8	this	this	DET
ejif-10239	40	9	study	study	NOUN
ejif-10239	40	10	is	be	AUX
ejif-10239	40	11	the	the	DET
ejif-10239	40	12	first	first	ADJ
ejif-10239	40	13	attempt	attempt	NOUN
ejif-10239	40	14	to	to	PART
ejif-10239	40	15	investigate	investigate	VERB
ejif-10239	40	16	the	the	DET
ejif-10239	40	17	possible	possible	ADJ
ejif-10239	40	18	digital	digital	ADJ
ejif-10239	40	19	butterfly	butterfly	NOUN
ejif-10239	40	20	effect	effect	NOUN
ejif-10239	40	21	from	from	ADP
ejif-10239	40	22	an	an	DET
ejif-10239	40	23	islamic	islamic	ADJ
ejif-10239	40	24	fintech	fintech	NOUN
ejif-10239	40	25	perspective	perspective	NOUN
ejif-10239	40	26	,	,	PUNCT
ejif-10239	40	27	where	where	SCONJ
ejif-10239	40	28	the	the	DET
ejif-10239	40	29	literature	literature	NOUN
ejif-10239	40	30	has	have	AUX
ejif-10239	40	31	predominantly	predominantly	ADV
ejif-10239	40	32	focused	focus	VERB
ejif-10239	40	33	on	on	ADP
ejif-10239	40	34	the	the	DET
ejif-10239	40	35	general	general	ADJ
ejif-10239	40	36	effects	effect	NOUN
ejif-10239	40	37	of	of	ADP
ejif-10239	40	38	fintech	fintech	NOUN
ejif-10239	40	39	on	on	ADP
ejif-10239	40	40	conventional	conventional	ADJ
ejif-10239	40	41	banking	banking	NOUN
ejif-10239	40	42	systems	system	NOUN
ejif-10239	40	43	,	,	PUNCT
ejif-10239	40	44	overlooking	overlook	VERB
ejif-10239	40	45	the	the	DET
ejif-10239	40	46	unique	unique	ADJ
ejif-10239	40	47	characteristics	characteristic	NOUN
ejif-10239	40	48	and	and	CCONJ
ejif-10239	40	49	requirements	requirement	NOUN
ejif-10239	40	50	of	of	ADP
ejif-10239	40	51	islamic	islamic	ADJ
ejif-10239	40	52	banking	banking	NOUN
ejif-10239	40	53	.	.	PUNCT
ejif-10239	41	1	by	by	ADP
ejif-10239	41	2	addressing	address	VERB
ejif-10239	41	3	this	this	DET
ejif-10239	41	4	gap	gap	NOUN
ejif-10239	41	5	,	,	PUNCT
ejif-10239	41	6	our	our	PRON
ejif-10239	41	7	study	study	NOUN
ejif-10239	41	8	provides	provide	VERB
ejif-10239	41	9	novel	novel	ADJ
ejif-10239	41	10	insights	insight	NOUN
ejif-10239	41	11	into	into	ADP
ejif-10239	41	12	how	how	SCONJ
ejif-10239	41	13	digital	digital	ADJ
ejif-10239	41	14	innovations	innovation	NOUN
ejif-10239	41	15	interact	interact	VERB
ejif-10239	41	16	with	with	ADP
ejif-10239	41	17	shariah	shariah	PROPN
ejif-10239	41	18	-	-	PUNCT
ejif-10239	41	19	compliant	compliant	ADJ
ejif-10239	41	20	financial	financial	ADJ
ejif-10239	41	21	practices	practice	NOUN
ejif-10239	41	22	,	,	PUNCT
ejif-10239	41	23	potentially	potentially	ADV
ejif-10239	41	24	leading	lead	VERB
ejif-10239	41	25	to	to	ADP
ejif-10239	41	26	significant	significant	ADJ
ejif-10239	41	27	and	and	CCONJ
ejif-10239	41	28	previously	previously	ADV
ejif-10239	41	29	unexplored	unexplored	ADJ
ejif-10239	41	30	economic	economic	ADJ
ejif-10239	41	31	outcomes	outcome	NOUN
ejif-10239	41	32	.	.	PUNCT
ejif-10239	42	1	additionally	additionally	ADV
ejif-10239	42	2	,	,	PUNCT
ejif-10239	42	3	the	the	DET
ejif-10239	42	4	originality	originality	NOUN
ejif-10239	42	5	of	of	ADP
ejif-10239	42	6	this	this	DET
ejif-10239	42	7	research	research	NOUN
ejif-10239	42	8	lies	lie	VERB
ejif-10239	42	9	in	in	ADP
ejif-10239	42	10	its	its	PRON
ejif-10239	42	11	dual	dual	ADJ
ejif-10239	42	12	focus	focus	NOUN
ejif-10239	42	13	on	on	ADP
ejif-10239	42	14	technological	technological	ADJ
ejif-10239	42	15	innovation	innovation	NOUN
ejif-10239	42	16	and	and	CCONJ
ejif-10239	42	17	islamic	islamic	ADJ
ejif-10239	42	18	finance	finance	NOUN
ejif-10239	42	19	principles	principle	NOUN
ejif-10239	42	20	.	.	PUNCT
ejif-10239	43	1	it	it	PRON
ejif-10239	43	2	extends	extend	VERB
ejif-10239	43	3	the	the	DET
ejif-10239	43	4	application	application	NOUN
ejif-10239	43	5	of	of	ADP
ejif-10239	43	6	the	the	DET
ejif-10239	43	7	butterfly	butterfly	NOUN
ejif-10239	43	8	effect	effect	NOUN
ejif-10239	43	9	to	to	ADP
ejif-10239	43	10	a	a	DET
ejif-10239	43	11	new	new	ADJ
ejif-10239	43	12	domain	domain	NOUN
ejif-10239	43	13	and	and	CCONJ
ejif-10239	43	14	enhances	enhance	VERB
ejif-10239	43	15	the	the	DET
ejif-10239	43	16	understanding	understanding	NOUN
ejif-10239	43	17	of	of	ADP
ejif-10239	43	18	fintech	fintech	NOUN
ejif-10239	43	19	's	's	PART
ejif-10239	43	20	role	role	NOUN
ejif-10239	43	21	in	in	ADP
ejif-10239	43	22	shaping	shape	VERB
ejif-10239	43	23	the	the	DET
ejif-10239	43	24	future	future	NOUN
ejif-10239	43	25	of	of	ADP
ejif-10239	43	26	islamic	islamic	ADJ
ejif-10239	43	27	banking	banking	NOUN
ejif-10239	43	28	.	.	PUNCT
ejif-10239	44	1	the	the	DET
ejif-10239	44	2	rest	rest	NOUN
ejif-10239	44	3	of	of	ADP
ejif-10239	44	4	the	the	DET
ejif-10239	44	5	paper	paper	NOUN
ejif-10239	44	6	comprises	comprise	VERB
ejif-10239	44	7	a	a	DET
ejif-10239	44	8	literature	literature	NOUN
ejif-10239	44	9	review	review	NOUN
ejif-10239	44	10	,	,	PUNCT
ejif-10239	44	11	methods	method	NOUN
ejif-10239	44	12	and	and	CCONJ
ejif-10239	44	13	data	datum	NOUN
ejif-10239	44	14	,	,	PUNCT
ejif-10239	44	15	empirical	empirical	ADJ
ejif-10239	44	16	results	result	NOUN
ejif-10239	44	17	,	,	PUNCT
ejif-10239	44	18	discussion	discussion	NOUN
ejif-10239	44	19	,	,	PUNCT
ejif-10239	44	20	and	and	CCONJ
ejif-10239	44	21	conclusion	conclusion	NOUN
ejif-10239	44	22	with	with	ADP
ejif-10239	44	23	final	final	ADJ
ejif-10239	44	24	remarks	remark	NOUN
ejif-10239	44	25	and	and	CCONJ
ejif-10239	44	26	recommendations	recommendation	NOUN
ejif-10239	44	27	for	for	ADP
ejif-10239	44	28	policymakers	policymaker	NOUN
ejif-10239	44	29	.	.	PUNCT
ejif-10239	45	1	2	2	X
ejif-10239	45	2	.	.	X
ejif-10239	45	3	literature	literature	NOUN
ejif-10239	45	4	review	review	VERB
ejif-10239	45	5	2.1	2.1	NUM
ejif-10239	45	6	.	.	PUNCT
ejif-10239	46	1	fintech	fintech	NOUN
ejif-10239	46	2	industry	industry	NOUN
ejif-10239	46	3	and	and	CCONJ
ejif-10239	46	4	the	the	DET
ejif-10239	46	5	islamic	islamic	ADJ
ejif-10239	46	6	economics	economics	PROPN
ejif-10239	46	7	perspective	perspective	VERB
ejif-10239	46	8	the	the	DET
ejif-10239	46	9	development	development	NOUN
ejif-10239	46	10	of	of	ADP
ejif-10239	46	11	the	the	DET
ejif-10239	46	12	fintech	fintech	NOUN
ejif-10239	46	13	industry	industry	NOUN
ejif-10239	46	14	is	be	AUX
ejif-10239	46	15	expanding	expand	VERB
ejif-10239	46	16	globally	globally	ADV
ejif-10239	46	17	,	,	PUNCT
ejif-10239	46	18	presenting	present	VERB
ejif-10239	46	19	substantial	substantial	ADJ
ejif-10239	46	20	opportunities	opportunity	NOUN
ejif-10239	46	21	for	for	ADP
ejif-10239	46	22	new	new	ADJ
ejif-10239	46	23	financial	financial	ADJ
ejif-10239	46	24	technology	technology	NOUN
ejif-10239	46	25	companies	company	NOUN
ejif-10239	46	26	.	.	PUNCT
ejif-10239	47	1	this	this	DET
ejif-10239	47	2	potential	potential	NOUN
ejif-10239	47	3	can	can	AUX
ejif-10239	47	4	be	be	AUX
ejif-10239	47	5	realized	realize	VERB
ejif-10239	47	6	by	by	ADP
ejif-10239	47	7	offering	offer	VERB
ejif-10239	47	8	diverse	diverse	ADJ
ejif-10239	47	9	financial	financial	ADJ
ejif-10239	47	10	services	service	NOUN
ejif-10239	47	11	and	and	CCONJ
ejif-10239	47	12	earning	earn	VERB
ejif-10239	47	13	the	the	DET
ejif-10239	47	14	respect	respect	NOUN
ejif-10239	47	15	and	and	CCONJ
ejif-10239	47	16	trust	trust	NOUN
ejif-10239	47	17	of	of	ADP
ejif-10239	47	18	their	their	PRON
ejif-10239	47	19	clients	client	NOUN
ejif-10239	47	20	.	.	PUNCT
ejif-10239	48	1	a	a	DET
ejif-10239	48	2	significant	significant	ADJ
ejif-10239	48	3	part	part	NOUN
ejif-10239	48	4	of	of	ADP
ejif-10239	48	5	this	this	DET
ejif-10239	48	6	industry	industry	NOUN
ejif-10239	48	7	focuses	focus	VERB
ejif-10239	48	8	on	on	ADP
ejif-10239	48	9	serving	serve	VERB
ejif-10239	48	10	muslim	muslim	ADJ
ejif-10239	48	11	populations	population	NOUN
ejif-10239	48	12	,	,	PUNCT
ejif-10239	48	13	which	which	PRON
ejif-10239	48	14	supports	support	VERB
ejif-10239	48	15	the	the	DET
ejif-10239	48	16	spread	spread	NOUN
ejif-10239	48	17	of	of	ADP
ejif-10239	48	18	islamic	islamic	ADJ
ejif-10239	48	19	fintech	fintech	NOUN
ejif-10239	48	20	.	.	PUNCT
ejif-10239	49	1	islamic	islamic	ADJ
ejif-10239	49	2	fintech	fintech	NOUN
ejif-10239	49	3	complies	comply	VERB
ejif-10239	49	4	with	with	ADP
ejif-10239	49	5	shari’ah	shari’ah	NOUN
ejif-10239	49	6	principles	principle	NOUN
ejif-10239	49	7	and	and	CCONJ
ejif-10239	49	8	models	model	NOUN
ejif-10239	49	9	,	,	PUNCT
ejif-10239	49	10	applying	apply	VERB
ejif-10239	49	11	foundational	foundational	ADJ
ejif-10239	49	12	islamic	islamic	ADJ
ejif-10239	49	13	financial	financial	ADJ
ejif-10239	49	14	and	and	CCONJ
ejif-10239	49	15	economic	economic	ADJ
ejif-10239	49	16	principles	principle	NOUN
ejif-10239	49	17	in	in	ADP
ejif-10239	49	18	its	its	PRON
ejif-10239	49	19	solutions	solution	NOUN
ejif-10239	49	20	(	(	PUNCT
ejif-10239	49	21	rabbani	rabbani	PROPN
ejif-10239	49	22	et	et	PROPN
ejif-10239	49	23	al	al	PROPN
ejif-10239	49	24	.	.	PROPN
ejif-10239	49	25	,	,	PUNCT
ejif-10239	49	26	2020	2020	NUM
ejif-10239	49	27	)	)	PUNCT
ejif-10239	49	28	.	.	PUNCT
ejif-10239	50	1	technological	technological	ADJ
ejif-10239	50	2	advancements	advancement	NOUN
ejif-10239	50	3	in	in	ADP
ejif-10239	50	4	the	the	DET
ejif-10239	50	5	financial	financial	ADJ
ejif-10239	50	6	sector	sector	NOUN
ejif-10239	50	7	have	have	AUX
ejif-10239	50	8	raised	raise	VERB
ejif-10239	50	9	the	the	DET
ejif-10239	50	10	need	need	NOUN
ejif-10239	50	11	to	to	PART
ejif-10239	50	12	develop	develop	VERB
ejif-10239	50	13	innovative	innovative	ADJ
ejif-10239	50	14	islamic	islamic	ADJ
ejif-10239	50	15	financial	financial	ADJ
ejif-10239	50	16	solutions	solution	NOUN
ejif-10239	50	17	that	that	PRON
ejif-10239	50	18	endorse	endorse	VERB
ejif-10239	50	19	rapid	rapid	ADJ
ejif-10239	50	20	evolution	evolution	NOUN
ejif-10239	50	21	.	.	PUNCT
ejif-10239	51	1	the	the	DET
ejif-10239	51	2	islamic	islamic	PROPN
ejif-10239	51	3	fintech	fintech	NOUN
ejif-10239	51	4	has	have	VERB
ejif-10239	51	5	to	to	PART
ejif-10239	51	6	be	be	AUX
ejif-10239	51	7	deployed	deploy	VERB
ejif-10239	51	8	to	to	PART
ejif-10239	51	9	achieve	achieve	VERB
ejif-10239	51	10	the	the	DET
ejif-10239	51	11	major	major	ADJ
ejif-10239	51	12	umbrella	umbrella	NOUN
ejif-10239	51	13	of	of	ADP
ejif-10239	51	14	islamic	islamic	ADJ
ejif-10239	51	15	economics	economic	NOUN
ejif-10239	51	16	beyond	beyond	ADP
ejif-10239	51	17	finance	finance	NOUN
ejif-10239	51	18	and	and	CCONJ
ejif-10239	51	19	banking	banking	NOUN
ejif-10239	51	20	(	(	PUNCT
ejif-10239	51	21	oseni	oseni	NOUN
ejif-10239	51	22	and	and	CCONJ
ejif-10239	51	23	ali	ali	PROPN
ejif-10239	51	24	,	,	PUNCT
ejif-10239	51	25	2019	2019	NUM
ejif-10239	51	26	)	)	PUNCT
ejif-10239	51	27	.	.	PUNCT
ejif-10239	52	1	the	the	DET
ejif-10239	52	2	emergence	emergence	NOUN
ejif-10239	52	3	of	of	ADP
ejif-10239	52	4	fintech	fintech	NOUN
ejif-10239	52	5	has	have	VERB
ejif-10239	52	6	huge	huge	ADJ
ejif-10239	52	7	chances	chance	NOUN
ejif-10239	52	8	to	to	PART
ejif-10239	52	9	promote	promote	VERB
ejif-10239	52	10	and	and	CCONJ
ejif-10239	52	11	introduce	introduce	VERB
ejif-10239	52	12	islamic	islamic	ADJ
ejif-10239	52	13	financial	financial	ADJ
ejif-10239	52	14	products	product	NOUN
ejif-10239	52	15	,	,	PUNCT
ejif-10239	52	16	solutions	solution	NOUN
ejif-10239	52	17	,	,	PUNCT
ejif-10239	52	18	and	and	CCONJ
ejif-10239	52	19	institutions	institution	NOUN
ejif-10239	52	20	in	in	ADP
ejif-10239	52	21	alignment	alignment	NOUN
ejif-10239	52	22	with	with	ADP
ejif-10239	52	23	the	the	DET
ejif-10239	52	24	advantages	advantage	NOUN
ejif-10239	52	25	of	of	ADP
ejif-10239	52	26	technology	technology	NOUN
ejif-10239	52	27	.	.	PUNCT
ejif-10239	53	1	generally	generally	ADV
ejif-10239	53	2	,	,	PUNCT
ejif-10239	53	3	in	in	ADP
ejif-10239	53	4	islamic	islamic	ADJ
ejif-10239	53	5	principles	principle	NOUN
ejif-10239	53	6	,	,	PUNCT
ejif-10239	53	7	every	every	DET
ejif-10239	53	8	transaction	transaction	NOUN
ejif-10239	53	9	is	be	AUX
ejif-10239	53	10	permissible	permissible	ADJ
ejif-10239	53	11	unless	unless	SCONJ
ejif-10239	53	12	prohibited	prohibit	VERB
ejif-10239	53	13	solutions	solution	NOUN
ejif-10239	53	14	,	,	PUNCT
ejif-10239	53	15	products	product	NOUN
ejif-10239	53	16	,	,	PUNCT
ejif-10239	53	17	or	or	CCONJ
ejif-10239	53	18	structures	structure	NOUN
ejif-10239	53	19	are	be	AUX
ejif-10239	53	20	engaged	engage	VERB
ejif-10239	53	21	(	(	PUNCT
ejif-10239	53	22	atiyah	atiyah	NOUN
ejif-10239	53	23	et	et	PROPN
ejif-10239	53	24	al	al	PROPN
ejif-10239	53	25	.	.	PROPN
ejif-10239	53	26	,	,	PUNCT
ejif-10239	53	27	2024	2024	NUM
ejif-10239	53	28	)	)	PUNCT
ejif-10239	53	29	.	.	PUNCT
ejif-10239	54	1	therefore	therefore	ADV
ejif-10239	54	2	,	,	PUNCT
ejif-10239	54	3	as	as	ADP
ejif-10239	54	4	a	a	DET
ejif-10239	54	5	pure	pure	ADJ
ejif-10239	54	6	concept	concept	NOUN
ejif-10239	54	7	,	,	PUNCT
ejif-10239	54	8	fintech	fintech	NOUN
ejif-10239	54	9	is	be	AUX
ejif-10239	54	10	shari’ah	shari’ah	NOUN
ejif-10239	54	11	compliant	compliant	ADJ
ejif-10239	54	12	until	until	SCONJ
ejif-10239	54	13	an	an	DET
ejif-10239	54	14	impermissible	impermissible	ADJ
ejif-10239	54	15	action	action	NOUN
ejif-10239	54	16	or	or	CCONJ
ejif-10239	54	17	product	product	NOUN
ejif-10239	54	18	is	be	AUX
ejif-10239	54	19	involved	involve	VERB
ejif-10239	54	20	financially	financially	ADV
ejif-10239	54	21	or	or	CCONJ
ejif-10239	54	22	operationally	operationally	ADV
ejif-10239	54	23	.	.	PUNCT
ejif-10239	55	1	according	accord	VERB
ejif-10239	55	2	to	to	ADP
ejif-10239	55	3	hasan	hasan	PROPN
ejif-10239	55	4	et	et	PROPN
ejif-10239	55	5	al	al	PROPN
ejif-10239	55	6	.	.	PROPN
ejif-10239	56	1	(	(	PUNCT
ejif-10239	56	2	2020	2020	NUM
ejif-10239	56	3	)	)	PUNCT
ejif-10239	56	4	,	,	PUNCT
ejif-10239	56	5	shari’ah	shari’ah	NOUN
ejif-10239	56	6	compliance	compliance	NOUN
ejif-10239	56	7	is	be	AUX
ejif-10239	56	8	paramount	paramount	ADJ
ejif-10239	56	9	in	in	ADP
ejif-10239	56	10	the	the	DET
ejif-10239	56	11	potential	potential	ADJ
ejif-10239	56	12	integration	integration	NOUN
ejif-10239	56	13	of	of	ADP
ejif-10239	56	14	fintech	fintech	NOUN
ejif-10239	56	15	with	with	ADP
ejif-10239	56	16	islamic	islamic	ADJ
ejif-10239	56	17	finance	finance	NOUN
ejif-10239	56	18	.	.	PUNCT
ejif-10239	57	1	islamic	islamic	ADJ
ejif-10239	57	2	fintech	fintech	NOUN
ejif-10239	57	3	firms	firm	NOUN
ejif-10239	57	4	have	have	AUX
ejif-10239	57	5	made	make	VERB
ejif-10239	57	6	significant	significant	ADJ
ejif-10239	57	7	efforts	effort	NOUN
ejif-10239	57	8	to	to	PART
ejif-10239	57	9	ensure	ensure	VERB
ejif-10239	57	10	their	their	PRON
ejif-10239	57	11	business	business	NOUN
ejif-10239	57	12	models	model	NOUN
ejif-10239	57	13	adhere	adhere	VERB
ejif-10239	57	14	to	to	ADP
ejif-10239	57	15	shari’ah	shari’ah	NOUN
ejif-10239	57	16	requirements	requirement	NOUN
ejif-10239	57	17	by	by	ADP
ejif-10239	57	18	following	follow	VERB
ejif-10239	57	19	universally	universally	ADV
ejif-10239	57	20	applicable	applicable	ADJ
ejif-10239	57	21	shari’ah	shari’ah	NOUN
ejif-10239	57	22	standards	standard	NOUN
ejif-10239	57	23	and	and	CCONJ
ejif-10239	57	24	undergoing	undergo	VERB
ejif-10239	57	25	regulatory	regulatory	ADJ
ejif-10239	57	26	audits	audit	NOUN
ejif-10239	57	27	.	.	PUNCT
ejif-10239	58	1	fintech	fintech	NOUN
ejif-10239	58	2	has	have	AUX
ejif-10239	58	3	opened	open	VERB
ejif-10239	58	4	the	the	DET
ejif-10239	58	5	opportunities	opportunity	NOUN
ejif-10239	58	6	for	for	ADP
ejif-10239	58	7	islamic	islamic	ADJ
ejif-10239	58	8	finance	finance	NOUN
ejif-10239	58	9	and	and	CCONJ
ejif-10239	58	10	banking	banking	NOUN
ejif-10239	58	11	to	to	PART
ejif-10239	58	12	go	go	VERB
ejif-10239	58	13	digital	digital	ADJ
ejif-10239	58	14	,	,	PUNCT
ejif-10239	58	15	which	which	PRON
ejif-10239	58	16	is	be	AUX
ejif-10239	58	17	privileging	privilege	VERB
ejif-10239	58	18	access	access	NOUN
ejif-10239	58	19	to	to	ADP
ejif-10239	58	20	its	its	PRON
ejif-10239	58	21	services	service	NOUN
ejif-10239	58	22	and	and	CCONJ
ejif-10239	58	23	facilities	facility	NOUN
ejif-10239	58	24	by	by	ADP
ejif-10239	58	25	employing	employ	VERB
ejif-10239	58	26	advancing	advance	VERB
ejif-10239	58	27	technologies	technology	NOUN
ejif-10239	58	28	,	,	PUNCT
ejif-10239	58	29	for	for	ADP
ejif-10239	58	30	instance	instance	NOUN
ejif-10239	58	31	,	,	PUNCT
ejif-10239	58	32	blockchain	blockchain	PROPN
ejif-10239	58	33	,	,	PUNCT
ejif-10239	58	34	machine	machine	NOUN
ejif-10239	58	35	learning	learning	NOUN
ejif-10239	58	36	(	(	PUNCT
ejif-10239	58	37	ml	ml	NOUN
ejif-10239	58	38	)	)	PUNCT
ejif-10239	58	39	,	,	PUNCT
ejif-10239	58	40	and	and	CCONJ
ejif-10239	58	41	artificial	artificial	ADJ
ejif-10239	58	42	intelligence	intelligence	NOUN
ejif-10239	58	43	(	(	PUNCT
ejif-10239	58	44	ai	ai	NOUN
ejif-10239	58	45	)	)	PUNCT
ejif-10239	58	46	(	(	PUNCT
ejif-10239	58	47	rabbani	rabbani	PROPN
ejif-10239	58	48	et	et	PROPN
ejif-10239	58	49	al	al	PROPN
ejif-10239	58	50	.	.	PROPN
ejif-10239	58	51	,	,	PUNCT
ejif-10239	58	52	2020	2020	NUM
ejif-10239	58	53	)	)	PUNCT
ejif-10239	58	54	.	.	PUNCT
ejif-10239	59	1	first	first	ADV
ejif-10239	59	2	,	,	PUNCT
ejif-10239	59	3	blockchain	blockchain	PROPN
ejif-10239	59	4	technology	technology	PROPN
ejif-10239	59	5	has	have	VERB
ejif-10239	59	6	enormous	enormous	ADJ
ejif-10239	59	7	potential	potential	NOUN
ejif-10239	59	8	to	to	PART
ejif-10239	59	9	improve	improve	VERB
ejif-10239	59	10	islamic	islamic	ADJ
ejif-10239	59	11	fintech	fintech	NOUN
ejif-10239	59	12	by	by	ADP
ejif-10239	59	13	increasing	increase	VERB
ejif-10239	59	14	openness	openness	NOUN
ejif-10239	59	15	,	,	PUNCT
ejif-10239	59	16	security	security	NOUN
ejif-10239	59	17	,	,	PUNCT
ejif-10239	59	18	and	and	CCONJ
ejif-10239	59	19	efficiency	efficiency	NOUN
ejif-10239	59	20	in	in	ADP
ejif-10239	59	21	financial	financial	ADJ
ejif-10239	59	22	operations	operation	NOUN
ejif-10239	59	23	.	.	PUNCT
ejif-10239	60	1	blockchain	blockchain	PROPN
ejif-10239	60	2	can	can	AUX
ejif-10239	60	3	assure	assure	VERB
ejif-10239	60	4	compliance	compliance	NOUN
ejif-10239	60	5	in	in	ADP
ejif-10239	60	6	islamic	islamic	ADJ
ejif-10239	60	7	finance	finance	NOUN
ejif-10239	60	8	,	,	PUNCT
ejif-10239	60	9	which	which	PRON
ejif-10239	60	10	runs	run	VERB
ejif-10239	60	11	on	on	ADP
ejif-10239	60	12	shari'ah	shari'ah	NOUN
ejif-10239	60	13	rules	rule	NOUN
ejif-10239	60	14	emphasising	emphasise	VERB
ejif-10239	60	15	ethical	ethical	ADJ
ejif-10239	60	16	behaviour	behaviour	NOUN
ejif-10239	60	17	and	and	CCONJ
ejif-10239	60	18	the	the	DET
ejif-10239	60	19	prohibition	prohibition	NOUN
ejif-10239	60	20	of	of	ADP
ejif-10239	60	21	interest	interest	NOUN
ejif-10239	60	22	,	,	PUNCT
ejif-10239	60	23	by	by	ADP
ejif-10239	60	24	creating	create	VERB
ejif-10239	60	25	immutable	immutable	ADJ
ejif-10239	60	26	and	and	CCONJ
ejif-10239	60	27	transparent	transparent	ADJ
ejif-10239	60	28	transaction	transaction	NOUN
ejif-10239	60	29	records	record	NOUN
ejif-10239	60	30	.	.	PUNCT
ejif-10239	61	1	smart	smart	ADJ
ejif-10239	61	2	contracts	contract	NOUN
ejif-10239	61	3	,	,	PUNCT
ejif-10239	61	4	a	a	DET
ejif-10239	61	5	major	major	ADJ
ejif-10239	61	6	blockchain	blockchain	NOUN
ejif-10239	61	7	element	element	NOUN
ejif-10239	61	8	,	,	PUNCT
ejif-10239	61	9	may	may	AUX
ejif-10239	61	10	automate	automate	VERB
ejif-10239	61	11	and	and	CCONJ
ejif-10239	61	12	execute	execute	VERB
ejif-10239	61	13	agreements	agreement	NOUN
ejif-10239	61	14	based	base	VERB
ejif-10239	61	15	on	on	ADP
ejif-10239	61	16	specified	specified	ADJ
ejif-10239	61	17	criteria	criterion	NOUN
ejif-10239	61	18	without	without	ADP
ejif-10239	61	19	middlemen	middleman	NOUN
ejif-10239	61	20	,	,	PUNCT
ejif-10239	61	21	lowering	lower	VERB
ejif-10239	61	22	costs	cost	NOUN
ejif-10239	61	23	and	and	CCONJ
ejif-10239	61	24	enhancing	enhance	VERB
ejif-10239	61	25	efficiency	efficiency	NOUN
ejif-10239	61	26	.	.	PUNCT
ejif-10239	62	1	furthermore	furthermore	ADV
ejif-10239	62	2	,	,	PUNCT
ejif-10239	62	3	blockchain	blockchain	PROPN
ejif-10239	62	4	can	can	AUX
ejif-10239	62	5	improve	improve	VERB
ejif-10239	62	6	cross	cross	ADJ
ejif-10239	62	7	-	-	ADJ
ejif-10239	62	8	border	border	ADJ
ejif-10239	62	9	transaction	transaction	NOUN
ejif-10239	62	10	efficiency	efficiency	NOUN
ejif-10239	62	11	and	and	CCONJ
ejif-10239	62	12	inclusion	inclusion	NOUN
ejif-10239	62	13	by	by	ADP
ejif-10239	62	14	making	make	VERB
ejif-10239	62	15	financial	financial	ADJ
ejif-10239	62	16	services	service	NOUN
ejif-10239	62	17	accessible	accessible	ADJ
ejif-10239	62	18	to	to	ADP
ejif-10239	62	19	underbanked	underbanked	ADJ
ejif-10239	62	20	people	people	NOUN
ejif-10239	62	21	.	.	PUNCT
ejif-10239	63	1	the	the	DET
ejif-10239	63	2	technology	technology	NOUN
ejif-10239	63	3	's	's	PART
ejif-10239	63	4	capacity	capacity	NOUN
ejif-10239	63	5	to	to	PART
ejif-10239	63	6	offer	offer	VERB
ejif-10239	63	7	a	a	DET
ejif-10239	63	8	secure	secure	ADJ
ejif-10239	63	9	and	and	CCONJ
ejif-10239	63	10	transparent	transparent	ADJ
ejif-10239	63	11	ledger	ledger	NOUN
ejif-10239	63	12	of	of	ADP
ejif-10239	63	13	transactions	transaction	NOUN
ejif-10239	63	14	is	be	AUX
ejif-10239	63	15	consistent	consistent	ADJ
ejif-10239	63	16	with	with	ADP
ejif-10239	63	17	the	the	DET
ejif-10239	63	18	ethical	ethical	ADJ
ejif-10239	63	19	criteria	criterion	NOUN
ejif-10239	63	20	of	of	ADP
ejif-10239	63	21	islamic	islamic	ADJ
ejif-10239	63	22	finance	finance	NOUN
ejif-10239	63	23	,	,	PUNCT
ejif-10239	63	24	promoting	promote	VERB
ejif-10239	63	25	increased	increase	VERB
ejif-10239	63	26	trust	trust	NOUN
ejif-10239	63	27	and	and	CCONJ
ejif-10239	63	28	confidence	confidence	NOUN
ejif-10239	63	29	among	among	ADP
ejif-10239	63	30	stakeholders	stakeholder	NOUN
ejif-10239	63	31	.	.	PUNCT
ejif-10239	64	1	generally	generally	ADV
ejif-10239	64	2	,	,	PUNCT
ejif-10239	64	3	blockchain	blockchain	PROPN
ejif-10239	64	4	technology	technology	PROPN
ejif-10239	64	5	is	be	AUX
ejif-10239	64	6	not	not	PART
ejif-10239	64	7	against	against	ADP
ejif-10239	64	8	the	the	DET
ejif-10239	64	9	shari’ah	shari’ah	NOUN
ejif-10239	64	10	principles	principle	NOUN
ejif-10239	64	11	(	(	PUNCT
ejif-10239	64	12	abu	abu	NOUN
ejif-10239	64	13	-	-	PUNCT
ejif-10239	64	14	bakar	bakar	PROPN
ejif-10239	64	15	,	,	PUNCT
ejif-10239	64	16	2018	2018	NUM
ejif-10239	64	17	)	)	PUNCT
ejif-10239	64	18	;	;	PUNCT
ejif-10239	64	19	it	it	PRON
ejif-10239	64	20	shapes	shape	VERB
ejif-10239	64	21	an	an	DET
ejif-10239	64	22	art	art	NOUN
ejif-10239	64	23	of	of	ADP
ejif-10239	64	24	cryptography	cryptography	NOUN
ejif-10239	64	25	that	that	PRON
ejif-10239	64	26	enhances	enhance	VERB
ejif-10239	64	27	the	the	DET
ejif-10239	64	28	operational	operational	ADJ
ejif-10239	64	29	process	process	NOUN
ejif-10239	64	30	of	of	ADP
ejif-10239	64	31	the	the	DET
ejif-10239	64	32	transaction	transaction	NOUN
ejif-10239	64	33	,	,	PUNCT
ejif-10239	64	34	provides	provide	VERB
ejif-10239	64	35	tracking	tracking	NOUN
ejif-10239	64	36	options	option	NOUN
ejif-10239	64	37	that	that	PRON
ejif-10239	64	38	empower	empower	VERB
ejif-10239	64	39	transparency	transparency	NOUN
ejif-10239	64	40	,	,	PUNCT
ejif-10239	64	41	and	and	CCONJ
ejif-10239	64	42	works	work	VERB
ejif-10239	64	43	efficiently	efficiently	ADV
ejif-10239	64	44	.	.	PUNCT
ejif-10239	65	1	it	it	PRON
ejif-10239	65	2	can	can	AUX
ejif-10239	65	3	be	be	AUX
ejif-10239	65	4	used	use	VERB
ejif-10239	65	5	in	in	ADP
ejif-10239	65	6	the	the	DET
ejif-10239	65	7	islamic	islamic	ADJ
ejif-10239	65	8	fintech	fintech	NOUN
ejif-10239	65	9	platforms	platform	NOUN
ejif-10239	65	10	to	to	PART
ejif-10239	65	11	ease	ease	VERB
ejif-10239	65	12	access	access	NOUN
ejif-10239	65	13	to	to	ADP
ejif-10239	65	14	funding	funding	NOUN
ejif-10239	65	15	,	,	PUNCT
ejif-10239	65	16	facilitate	facilitate	ADJ
ejif-10239	65	17	financial	financial	ADJ
ejif-10239	65	18	transactions	transaction	NOUN
ejif-10239	65	19	(	(	PUNCT
ejif-10239	65	20	hasan	hasan	PROPN
ejif-10239	65	21	et	et	PROPN
ejif-10239	65	22	al	al	PROPN
ejif-10239	65	23	.	.	PROPN
ejif-10239	65	24	,	,	PUNCT
ejif-10239	65	25	2020	2020	NUM
ejif-10239	65	26	)	)	PUNCT
ejif-10239	65	27	,	,	PUNCT
ejif-10239	65	28	zakah	zakah	PROPN
ejif-10239	65	29	collection	collection	NOUN
ejif-10239	65	30	and	and	CCONJ
ejif-10239	65	31	philanthropic	philanthropic	ADJ
ejif-10239	65	32	financial	financial	ADJ
ejif-10239	65	33	activities	activity	NOUN
ejif-10239	65	34	(	(	PUNCT
ejif-10239	65	35	abojeib	abojeib	PROPN
ejif-10239	65	36	and	and	CCONJ
ejif-10239	65	37	habib	habib	PROPN
ejif-10239	65	38	,	,	PUNCT
ejif-10239	65	39	2021	2021	NUM
ejif-10239	65	40	)	)	PUNCT
ejif-10239	65	41	,	,	PUNCT
ejif-10239	65	42	waqf	waqf	NOUN
ejif-10239	65	43	,	,	PUNCT
ejif-10239	65	44	and	and	CCONJ
ejif-10239	65	45	halal	halal	NOUN
ejif-10239	65	46	economy	economy	NOUN
ejif-10239	65	47	(	(	PUNCT
ejif-10239	65	48	tieman	tieman	NOUN
ejif-10239	65	49	european	european	PROPN
ejif-10239	65	50	journal	journal	PROPN
ejif-10239	65	51	of	of	ADP
ejif-10239	65	52	islamic	islamic	PROPN
ejif-10239	65	53	finance	finance	PROPN
ejif-10239	65	54	issn	issn	PROPN
ejif-10239	65	55	:	:	PUNCT
ejif-10239	65	56	2421	2421	NUM
ejif-10239	65	57	-	-	SYM
ejif-10239	65	58	2172	2172	NUM
ejif-10239	65	59	doi	doi	NOUN
ejif-10239	65	60	:	:	PUNCT
ejif-10239	65	61	10.13135/2421	10.13135/2421	NUM
ejif-10239	65	62	-	-	SYM
ejif-10239	65	63	2172/10239	2172/10239	NUM
ejif-10239	65	64	published	publish	VERB
ejif-10239	65	65	by	by	ADP
ejif-10239	65	66	university	university	PROPN
ejif-10239	65	67	of	of	ADP
ejif-10239	65	68	turin	turin	PROPN
ejif-10239	66	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	66	2	ejif	ejif	PROPN
ejif-10239	66	3	content	content	NOUN
ejif-10239	66	4	is	be	AUX
ejif-10239	66	5	licensed	license	VERB
ejif-10239	66	6	under	under	ADP
ejif-10239	66	7	a	a	DET
ejif-10239	66	8	creative	creative	ADJ
ejif-10239	66	9	commons	common	NOUN
ejif-10239	66	10	attribution	attribution	NOUN
ejif-10239	66	11	4.0	4.0	NUM
ejif-10239	66	12	international	international	ADJ
ejif-10239	66	13	license	license	NOUN
ejif-10239	66	14	39	39	NUM
ejif-10239	66	15	and	and	CCONJ
ejif-10239	66	16	darun	darun	VERB
ejif-10239	66	17	,	,	PUNCT
ejif-10239	66	18	2017	2017	NUM
ejif-10239	66	19	)	)	PUNCT
ejif-10239	66	20	.	.	PUNCT
ejif-10239	67	1	moreover	moreover	ADV
ejif-10239	67	2	,	,	PUNCT
ejif-10239	67	3	smart	smart	ADJ
ejif-10239	67	4	contracts	contract	NOUN
ejif-10239	67	5	within	within	ADP
ejif-10239	67	6	blockchain	blockchain	PROPN
ejif-10239	67	7	require	require	VERB
ejif-10239	67	8	data	datum	NOUN
ejif-10239	67	9	on	on	ADP
ejif-10239	67	10	funding	funding	NOUN
ejif-10239	67	11	and	and	CCONJ
ejif-10239	67	12	transaction	transaction	NOUN
ejif-10239	67	13	orders	order	NOUN
ejif-10239	67	14	,	,	PUNCT
ejif-10239	67	15	including	include	VERB
ejif-10239	67	16	digital	digital	ADJ
ejif-10239	67	17	operational	operational	ADJ
ejif-10239	67	18	structures	structure	NOUN
ejif-10239	67	19	.	.	PUNCT
ejif-10239	68	1	these	these	DET
ejif-10239	68	2	contracts	contract	NOUN
ejif-10239	68	3	are	be	AUX
ejif-10239	68	4	automatically	automatically	ADV
ejif-10239	68	5	issued	issue	VERB
ejif-10239	68	6	based	base	VERB
ejif-10239	68	7	on	on	ADP
ejif-10239	68	8	client	client	NOUN
ejif-10239	68	9	requests	request	NOUN
ejif-10239	68	10	and	and	CCONJ
ejif-10239	68	11	are	be	AUX
ejif-10239	68	12	fully	fully	ADV
ejif-10239	68	13	automated	automate	VERB
ejif-10239	68	14	(	(	PUNCT
ejif-10239	68	15	rabbani	rabbani	PROPN
ejif-10239	68	16	et	et	PROPN
ejif-10239	68	17	al	al	PROPN
ejif-10239	68	18	.	.	PROPN
ejif-10239	68	19	,	,	PUNCT
ejif-10239	68	20	2020	2020	NUM
ejif-10239	68	21	)	)	PUNCT
ejif-10239	68	22	.	.	PUNCT
ejif-10239	69	1	however	however	ADV
ejif-10239	69	2	,	,	PUNCT
ejif-10239	69	3	smart	smart	ADJ
ejif-10239	69	4	contracts	contract	NOUN
ejif-10239	69	5	lack	lack	VERB
ejif-10239	69	6	legal	legal	ADJ
ejif-10239	69	7	recognition	recognition	NOUN
ejif-10239	69	8	or	or	CCONJ
ejif-10239	69	9	regulatory	regulatory	ADJ
ejif-10239	69	10	approval	approval	NOUN
ejif-10239	69	11	in	in	ADP
ejif-10239	69	12	many	many	ADJ
ejif-10239	69	13	islamic	islamic	ADJ
ejif-10239	69	14	banking	banking	NOUN
ejif-10239	69	15	jurisdictions	jurisdiction	NOUN
ejif-10239	69	16	,	,	PUNCT
ejif-10239	69	17	posing	pose	VERB
ejif-10239	69	18	a	a	DET
ejif-10239	69	19	significant	significant	ADJ
ejif-10239	69	20	barrier	barrier	NOUN
ejif-10239	69	21	to	to	ADP
ejif-10239	69	22	widespread	widespread	ADJ
ejif-10239	69	23	adoption	adoption	NOUN
ejif-10239	69	24	.	.	PUNCT
ejif-10239	70	1	to	to	PART
ejif-10239	70	2	realize	realize	VERB
ejif-10239	70	3	their	their	PRON
ejif-10239	70	4	potential	potential	NOUN
ejif-10239	70	5	in	in	ADP
ejif-10239	70	6	islamic	islamic	ADJ
ejif-10239	70	7	fintech	fintech	NOUN
ejif-10239	70	8	,	,	PUNCT
ejif-10239	70	9	appropriate	appropriate	ADJ
ejif-10239	70	10	legal	legal	ADJ
ejif-10239	70	11	frameworks	framework	NOUN
ejif-10239	70	12	and	and	CCONJ
ejif-10239	70	13	regulatory	regulatory	ADJ
ejif-10239	70	14	guidelines	guideline	NOUN
ejif-10239	70	15	must	must	AUX
ejif-10239	70	16	be	be	AUX
ejif-10239	70	17	developed	develop	VERB
ejif-10239	70	18	to	to	PART
ejif-10239	70	19	align	align	VERB
ejif-10239	70	20	technological	technological	ADJ
ejif-10239	70	21	advancements	advancement	NOUN
ejif-10239	70	22	with	with	ADP
ejif-10239	70	23	shari'ah	shari'ah	ADJ
ejif-10239	70	24	principles	principle	NOUN
ejif-10239	70	25	(	(	PUNCT
ejif-10239	70	26	mat	mat	PROPN
ejif-10239	70	27	rahim	rahim	PROPN
ejif-10239	70	28	et	et	PROPN
ejif-10239	70	29	al	al	PROPN
ejif-10239	70	30	.	.	PROPN
ejif-10239	70	31	,	,	PUNCT
ejif-10239	70	32	2018	2018	NUM
ejif-10239	70	33	)	)	PUNCT
ejif-10239	70	34	.	.	PUNCT
ejif-10239	71	1	in	in	ADP
ejif-10239	71	2	addition	addition	NOUN
ejif-10239	71	3	,	,	PUNCT
ejif-10239	71	4	the	the	DET
ejif-10239	71	5	recent	recent	ADJ
ejif-10239	71	6	promotion	promotion	NOUN
ejif-10239	71	7	of	of	ADP
ejif-10239	71	8	smart	smart	ADJ
ejif-10239	71	9	contracts	contract	NOUN
ejif-10239	71	10	has	have	AUX
ejif-10239	71	11	been	be	AUX
ejif-10239	71	12	linked	link	VERB
ejif-10239	71	13	to	to	ADP
ejif-10239	71	14	cryptocurrencies	cryptocurrencie	NOUN
ejif-10239	71	15	like	like	ADP
ejif-10239	71	16	ethereum	ethereum	NOUN
ejif-10239	71	17	and	and	CCONJ
ejif-10239	71	18	bitcoin	bitcoin	ADJ
ejif-10239	71	19	(	(	PUNCT
ejif-10239	71	20	vujičić	vujičić	ADJ
ejif-10239	71	21	,	,	PUNCT
ejif-10239	71	22	2018	2018	NUM
ejif-10239	71	23	)	)	PUNCT
ejif-10239	71	24	.	.	PUNCT
ejif-10239	72	1	the	the	DET
ejif-10239	72	2	primary	primary	ADJ
ejif-10239	72	3	issue	issue	NOUN
ejif-10239	72	4	with	with	ADP
ejif-10239	72	5	these	these	DET
ejif-10239	72	6	cryptocurrencies	cryptocurrencie	NOUN
ejif-10239	72	7	is	be	AUX
ejif-10239	72	8	the	the	DET
ejif-10239	72	9	lack	lack	NOUN
ejif-10239	72	10	of	of	ADP
ejif-10239	72	11	official	official	ADJ
ejif-10239	72	12	recognition	recognition	NOUN
ejif-10239	72	13	in	in	ADP
ejif-10239	72	14	islamic	islamic	ADJ
ejif-10239	72	15	countries	country	NOUN
ejif-10239	72	16	where	where	SCONJ
ejif-10239	72	17	islamic	islamic	ADJ
ejif-10239	72	18	law	law	NOUN
ejif-10239	72	19	is	be	AUX
ejif-10239	72	20	the	the	DET
ejif-10239	72	21	main	main	ADJ
ejif-10239	72	22	source	source	NOUN
ejif-10239	72	23	of	of	ADP
ejif-10239	72	24	legislation	legislation	NOUN
ejif-10239	72	25	.	.	PUNCT
ejif-10239	73	1	scholars	scholar	NOUN
ejif-10239	73	2	have	have	VERB
ejif-10239	73	3	varied	varied	ADJ
ejif-10239	73	4	opinions	opinion	NOUN
ejif-10239	73	5	on	on	ADP
ejif-10239	73	6	the	the	DET
ejif-10239	73	7	permissibility	permissibility	NOUN
ejif-10239	73	8	of	of	ADP
ejif-10239	73	9	using	use	VERB
ejif-10239	73	10	cryptocurrencies	cryptocurrencie	NOUN
ejif-10239	73	11	.	.	PUNCT
ejif-10239	74	1	abu	abu	PROPN
ejif-10239	74	2	-	-	PUNCT
ejif-10239	74	3	bakar	bakar	PROPN
ejif-10239	74	4	(	(	PUNCT
ejif-10239	74	5	2018	2018	NUM
ejif-10239	74	6	)	)	PUNCT
ejif-10239	74	7	categorizes	categorize	VERB
ejif-10239	74	8	cryptocurrencies	cryptocurrencie	NOUN
ejif-10239	74	9	into	into	ADP
ejif-10239	74	10	permitted	permit	VERB
ejif-10239	74	11	,	,	PUNCT
ejif-10239	74	12	prohibited	prohibit	VERB
ejif-10239	74	13	,	,	PUNCT
ejif-10239	74	14	and	and	CCONJ
ejif-10239	74	15	those	those	PRON
ejif-10239	74	16	based	base	VERB
ejif-10239	74	17	on	on	ADP
ejif-10239	74	18	religious	religious	ADJ
ejif-10239	74	19	belief	belief	NOUN
ejif-10239	74	20	,	,	PUNCT
ejif-10239	74	21	with	with	ADP
ejif-10239	74	22	the	the	DET
ejif-10239	74	23	last	last	ADJ
ejif-10239	74	24	group	group	NOUN
ejif-10239	74	25	focusing	focus	VERB
ejif-10239	74	26	on	on	ADP
ejif-10239	74	27	developing	develop	VERB
ejif-10239	74	28	islamic	islamic	ADJ
ejif-10239	74	29	cryptocurrencies	cryptocurrencie	NOUN
ejif-10239	74	30	supported	support	VERB
ejif-10239	74	31	by	by	ADP
ejif-10239	74	32	traditional	traditional	ADJ
ejif-10239	74	33	currencies	currency	NOUN
ejif-10239	74	34	like	like	ADP
ejif-10239	74	35	the	the	DET
ejif-10239	74	36	dinar	dinar	PROPN
ejif-10239	74	37	and	and	CCONJ
ejif-10239	74	38	dirham	dirham	PROPN
ejif-10239	74	39	.	.	PUNCT
ejif-10239	75	1	however	however	ADV
ejif-10239	75	2	,	,	PUNCT
ejif-10239	75	3	one	one	NUM
ejif-10239	75	4	of	of	ADP
ejif-10239	75	5	the	the	DET
ejif-10239	75	6	significant	significant	ADJ
ejif-10239	75	7	challenges	challenge	NOUN
ejif-10239	75	8	facing	face	VERB
ejif-10239	75	9	islamic	islamic	ADJ
ejif-10239	75	10	fintech	fintech	NOUN
ejif-10239	75	11	is	be	AUX
ejif-10239	75	12	the	the	DET
ejif-10239	75	13	development	development	NOUN
ejif-10239	75	14	of	of	ADP
ejif-10239	75	15	regulatory	regulatory	ADJ
ejif-10239	75	16	frameworks	framework	NOUN
ejif-10239	75	17	that	that	PRON
ejif-10239	75	18	support	support	VERB
ejif-10239	75	19	steady	steady	ADJ
ejif-10239	75	20	and	and	CCONJ
ejif-10239	75	21	lawful	lawful	ADJ
ejif-10239	75	22	industry	industry	NOUN
ejif-10239	75	23	growth	growth	NOUN
ejif-10239	75	24	(	(	PUNCT
ejif-10239	75	25	firmansyah	firmansyah	NOUN
ejif-10239	75	26	and	and	CCONJ
ejif-10239	75	27	anwar	anwar	PROPN
ejif-10239	75	28	,	,	PUNCT
ejif-10239	75	29	2019	2019	NUM
ejif-10239	75	30	)	)	PUNCT
ejif-10239	75	31	.	.	PUNCT
ejif-10239	76	1	additionally	additionally	ADV
ejif-10239	76	2	,	,	PUNCT
ejif-10239	76	3	there	there	PRON
ejif-10239	76	4	is	be	VERB
ejif-10239	76	5	a	a	DET
ejif-10239	76	6	shortage	shortage	NOUN
ejif-10239	76	7	of	of	ADP
ejif-10239	76	8	skilled	skilled	ADJ
ejif-10239	76	9	professionals	professional	NOUN
ejif-10239	76	10	with	with	ADP
ejif-10239	76	11	finance	finance	NOUN
ejif-10239	76	12	and	and	CCONJ
ejif-10239	76	13	shari’ah	shari’ah	NOUN
ejif-10239	76	14	law	law	NOUN
ejif-10239	76	15	expertise	expertise	NOUN
ejif-10239	76	16	,	,	PUNCT
ejif-10239	76	17	which	which	PRON
ejif-10239	76	18	poses	pose	VERB
ejif-10239	76	19	another	another	DET
ejif-10239	76	20	major	major	ADJ
ejif-10239	76	21	challenge	challenge	NOUN
ejif-10239	76	22	.	.	PUNCT
ejif-10239	77	1	despite	despite	SCONJ
ejif-10239	77	2	the	the	DET
ejif-10239	77	3	rapid	rapid	ADJ
ejif-10239	77	4	rise	rise	NOUN
ejif-10239	77	5	of	of	ADP
ejif-10239	77	6	fintech	fintech	NOUN
ejif-10239	77	7	,	,	PUNCT
ejif-10239	77	8	the	the	DET
ejif-10239	77	9	levels	level	NOUN
ejif-10239	77	10	of	of	ADP
ejif-10239	77	11	awareness	awareness	NOUN
ejif-10239	77	12	,	,	PUNCT
ejif-10239	77	13	trust	trust	NOUN
ejif-10239	77	14	,	,	PUNCT
ejif-10239	77	15	and	and	CCONJ
ejif-10239	77	16	expertise	expertise	NOUN
ejif-10239	77	17	among	among	ADP
ejif-10239	77	18	the	the	DET
ejif-10239	77	19	general	general	ADJ
ejif-10239	77	20	population	population	NOUN
ejif-10239	77	21	remain	remain	VERB
ejif-10239	77	22	relatively	relatively	ADV
ejif-10239	77	23	low	low	ADJ
ejif-10239	77	24	,	,	PUNCT
ejif-10239	77	25	potentially	potentially	ADV
ejif-10239	77	26	hindering	hinder	VERB
ejif-10239	77	27	the	the	DET
ejif-10239	77	28	industry	industry	NOUN
ejif-10239	77	29	's	's	PART
ejif-10239	77	30	expansion	expansion	NOUN
ejif-10239	77	31	also	also	ADV
ejif-10239	77	32	,	,	PUNCT
ejif-10239	77	33	digital	digital	ADJ
ejif-10239	77	34	gold	gold	NOUN
ejif-10239	77	35	trading	trading	NOUN
ejif-10239	77	36	tools	tool	NOUN
ejif-10239	77	37	and	and	CCONJ
ejif-10239	77	38	apps	app	NOUN
ejif-10239	77	39	have	have	AUX
ejif-10239	77	40	gained	gain	VERB
ejif-10239	77	41	popularity	popularity	NOUN
ejif-10239	77	42	as	as	SCONJ
ejif-10239	77	43	they	they	PRON
ejif-10239	77	44	offer	offer	VERB
ejif-10239	77	45	a	a	DET
ejif-10239	77	46	convenient	convenient	ADJ
ejif-10239	77	47	and	and	CCONJ
ejif-10239	77	48	secure	secure	ADJ
ejif-10239	77	49	way	way	NOUN
ejif-10239	77	50	for	for	SCONJ
ejif-10239	77	51	individuals	individual	NOUN
ejif-10239	77	52	to	to	PART
ejif-10239	77	53	buy	buy	VERB
ejif-10239	77	54	,	,	PUNCT
ejif-10239	77	55	sell	sell	VERB
ejif-10239	77	56	,	,	PUNCT
ejif-10239	77	57	and	and	CCONJ
ejif-10239	77	58	trade	trade	NOUN
ejif-10239	77	59	gold	gold	NOUN
ejif-10239	77	60	online	online	NOUN
ejif-10239	77	61	.	.	PUNCT
ejif-10239	78	1	for	for	ADP
ejif-10239	78	2	these	these	DET
ejif-10239	78	3	tools	tool	NOUN
ejif-10239	78	4	to	to	PART
ejif-10239	78	5	be	be	AUX
ejif-10239	78	6	shari’ah	shari’ah	NOUN
ejif-10239	78	7	compliant	compliant	ADJ
ejif-10239	78	8	,	,	PUNCT
ejif-10239	78	9	several	several	ADJ
ejif-10239	78	10	conditions	condition	NOUN
ejif-10239	78	11	must	must	AUX
ejif-10239	78	12	be	be	AUX
ejif-10239	78	13	met	meet	VERB
ejif-10239	78	14	,	,	PUNCT
ejif-10239	78	15	such	such	ADJ
ejif-10239	78	16	as	as	ADP
ejif-10239	78	17	ownership	ownership	NOUN
ejif-10239	78	18	and	and	CCONJ
ejif-10239	78	19	possession	possession	NOUN
ejif-10239	78	20	,	,	PUNCT
ejif-10239	78	21	where	where	SCONJ
ejif-10239	78	22	the	the	DET
ejif-10239	78	23	buyer	buyer	NOUN
ejif-10239	78	24	must	must	AUX
ejif-10239	78	25	take	take	VERB
ejif-10239	78	26	immediate	immediate	ADJ
ejif-10239	78	27	possession	possession	NOUN
ejif-10239	78	28	of	of	ADP
ejif-10239	78	29	the	the	DET
ejif-10239	78	30	gold	gold	NOUN
ejif-10239	78	31	,	,	PUNCT
ejif-10239	78	32	physically	physically	ADV
ejif-10239	78	33	or	or	CCONJ
ejif-10239	78	34	constructively	constructively	ADV
ejif-10239	78	35	,	,	PUNCT
ejif-10239	78	36	after	after	ADP
ejif-10239	78	37	the	the	DET
ejif-10239	78	38	transaction	transaction	NOUN
ejif-10239	78	39	.	.	PUNCT
ejif-10239	79	1	this	this	PRON
ejif-10239	79	2	ensures	ensure	VERB
ejif-10239	79	3	that	that	SCONJ
ejif-10239	79	4	the	the	DET
ejif-10239	79	5	trade	trade	NOUN
ejif-10239	79	6	does	do	AUX
ejif-10239	79	7	not	not	PART
ejif-10239	79	8	involve	involve	VERB
ejif-10239	79	9	deferred	deferred	ADJ
ejif-10239	79	10	delivery	delivery	NOUN
ejif-10239	79	11	,	,	PUNCT
ejif-10239	79	12	which	which	PRON
ejif-10239	79	13	is	be	AUX
ejif-10239	79	14	not	not	PART
ejif-10239	79	15	permissible	permissible	ADJ
ejif-10239	79	16	.	.	PUNCT
ejif-10239	79	17	,	,	PUNCT
ejif-10239	79	18	certainty	certainty	NOUN
ejif-10239	79	19	and	and	CCONJ
ejif-10239	79	20	transparency	transparency	NOUN
ejif-10239	79	21	are	be	AUX
ejif-10239	79	22	where	where	SCONJ
ejif-10239	79	23	the	the	DET
ejif-10239	79	24	transaction	transaction	NOUN
ejif-10239	79	25	terms	term	NOUN
ejif-10239	79	26	must	must	AUX
ejif-10239	79	27	be	be	AUX
ejif-10239	79	28	clear	clear	ADJ
ejif-10239	79	29	and	and	CCONJ
ejif-10239	79	30	transparent	transparent	ADJ
ejif-10239	79	31	,	,	PUNCT
ejif-10239	79	32	including	include	VERB
ejif-10239	79	33	the	the	DET
ejif-10239	79	34	gold	gold	NOUN
ejif-10239	79	35	's	's	PART
ejif-10239	79	36	weight	weight	NOUN
ejif-10239	79	37	,	,	PUNCT
ejif-10239	79	38	purity	purity	NOUN
ejif-10239	79	39	,	,	PUNCT
ejif-10239	79	40	and	and	CCONJ
ejif-10239	79	41	price	price	NOUN
ejif-10239	79	42	.	.	PUNCT
ejif-10239	80	1	any	any	DET
ejif-10239	80	2	ambiguity	ambiguity	NOUN
ejif-10239	80	3	(	(	PUNCT
ejif-10239	80	4	gharar	gharar	NOUN
ejif-10239	80	5	)	)	PUNCT
ejif-10239	80	6	in	in	ADP
ejif-10239	80	7	the	the	DET
ejif-10239	80	8	transaction	transaction	NOUN
ejif-10239	80	9	terms	term	NOUN
ejif-10239	80	10	must	must	AUX
ejif-10239	80	11	be	be	AUX
ejif-10239	80	12	avoided	avoid	VERB
ejif-10239	80	13	.	.	PUNCT
ejif-10239	81	1	finally	finally	ADV
ejif-10239	81	2	,	,	PUNCT
ejif-10239	81	3	avoiding	avoid	VERB
ejif-10239	81	4	interest	interest	NOUN
ejif-10239	81	5	(	(	PUNCT
ejif-10239	81	6	riba	riba	PROPN
ejif-10239	81	7	)	)	PUNCT
ejif-10239	81	8	is	be	AUX
ejif-10239	81	9	important	important	ADJ
ejif-10239	81	10	as	as	SCONJ
ejif-10239	81	11	the	the	DET
ejif-10239	81	12	transaction	transaction	NOUN
ejif-10239	81	13	must	must	AUX
ejif-10239	81	14	not	not	PART
ejif-10239	81	15	involve	involve	VERB
ejif-10239	81	16	interestbased	interestbase	VERB
ejif-10239	81	17	financing	financing	NOUN
ejif-10239	81	18	.	.	PUNCT
ejif-10239	82	1	if	if	SCONJ
ejif-10239	82	2	the	the	DET
ejif-10239	82	3	platform	platform	NOUN
ejif-10239	82	4	provides	provide	VERB
ejif-10239	82	5	financing	financing	NOUN
ejif-10239	82	6	options	option	NOUN
ejif-10239	82	7	,	,	PUNCT
ejif-10239	82	8	they	they	PRON
ejif-10239	82	9	must	must	AUX
ejif-10239	82	10	comply	comply	VERB
ejif-10239	82	11	with	with	ADP
ejif-10239	82	12	islamic	islamic	ADJ
ejif-10239	82	13	financing	financing	NOUN
ejif-10239	82	14	principles	principle	NOUN
ejif-10239	82	15	,	,	PUNCT
ejif-10239	82	16	such	such	ADJ
ejif-10239	82	17	as	as	ADP
ejif-10239	82	18	profitsharing	profitshare	VERB
ejif-10239	82	19	(	(	PUNCT
ejif-10239	82	20	mudarabah	mudarabah	NOUN
ejif-10239	82	21	)	)	PUNCT
ejif-10239	82	22	or	or	CCONJ
ejif-10239	82	23	cost	cost	NOUN
ejif-10239	82	24	-	-	PUNCT
ejif-10239	82	25	plus	plus	CCONJ
ejif-10239	82	26	financing	financing	NOUN
ejif-10239	82	27	(	(	PUNCT
ejif-10239	82	28	murabahah	murabahah	NOUN
ejif-10239	82	29	)	)	PUNCT
ejif-10239	82	30	.	.	PUNCT
ejif-10239	83	1	by	by	ADP
ejif-10239	83	2	adhering	adhere	VERB
ejif-10239	83	3	to	to	ADP
ejif-10239	83	4	these	these	DET
ejif-10239	83	5	principles	principle	NOUN
ejif-10239	83	6	,	,	PUNCT
ejif-10239	83	7	digital	digital	ADJ
ejif-10239	83	8	gold	gold	NOUN
ejif-10239	83	9	trading	trading	NOUN
ejif-10239	83	10	tools	tool	NOUN
ejif-10239	83	11	can	can	AUX
ejif-10239	83	12	be	be	AUX
ejif-10239	83	13	structured	structure	VERB
ejif-10239	83	14	to	to	PART
ejif-10239	83	15	comply	comply	VERB
ejif-10239	83	16	with	with	ADP
ejif-10239	83	17	shari’ah	shari’ah	NOUN
ejif-10239	83	18	,	,	PUNCT
ejif-10239	83	19	providing	provide	VERB
ejif-10239	83	20	muslims	muslim	NOUN
ejif-10239	83	21	with	with	ADP
ejif-10239	83	22	a	a	DET
ejif-10239	83	23	permissible	permissible	ADJ
ejif-10239	83	24	means	mean	NOUN
ejif-10239	83	25	to	to	PART
ejif-10239	83	26	invest	invest	VERB
ejif-10239	83	27	in	in	ADP
ejif-10239	83	28	gold	gold	NOUN
ejif-10239	83	29	digitally	digitally	ADV
ejif-10239	83	30	(	(	PUNCT
ejif-10239	83	31	yahaya	yahaya	NOUN
ejif-10239	83	32	,	,	PUNCT
ejif-10239	83	33	2023	2023	NUM
ejif-10239	83	34	)	)	PUNCT
ejif-10239	83	35	.	.	PUNCT
ejif-10239	84	1	furthermore	furthermore	ADV
ejif-10239	84	2	,	,	PUNCT
ejif-10239	84	3	the	the	DET
ejif-10239	84	4	fintech	fintech	NOUN
ejif-10239	84	5	sector	sector	NOUN
ejif-10239	84	6	institutions	institution	NOUN
ejif-10239	84	7	'	'	PART
ejif-10239	84	8	development	development	NOUN
ejif-10239	84	9	and	and	CCONJ
ejif-10239	84	10	operating	operating	NOUN
ejif-10239	84	11	technologies	technology	NOUN
ejif-10239	84	12	,	,	PUNCT
ejif-10239	84	13	along	along	ADP
ejif-10239	84	14	with	with	ADP
ejif-10239	84	15	the	the	DET
ejif-10239	84	16	shari’ah	shari’ah	NOUN
ejif-10239	84	17	-	-	PUNCT
ejif-10239	84	18	related	relate	VERB
ejif-10239	84	19	discussions	discussion	NOUN
ejif-10239	84	20	,	,	PUNCT
ejif-10239	84	21	still	still	ADV
ejif-10239	84	22	hold	hold	VERB
ejif-10239	84	23	much	much	ADJ
ejif-10239	84	24	attention	attention	NOUN
ejif-10239	84	25	.	.	PUNCT
ejif-10239	85	1	given	give	VERB
ejif-10239	85	2	their	their	PRON
ejif-10239	85	3	extensive	extensive	ADJ
ejif-10239	85	4	effect	effect	NOUN
ejif-10239	85	5	on	on	ADP
ejif-10239	85	6	many	many	ADJ
ejif-10239	85	7	aspects	aspect	NOUN
ejif-10239	85	8	of	of	ADP
ejif-10239	85	9	our	our	PRON
ejif-10239	85	10	lives	life	NOUN
ejif-10239	85	11	,	,	PUNCT
ejif-10239	85	12	it	it	PRON
ejif-10239	85	13	is	be	AUX
ejif-10239	85	14	critical	critical	ADJ
ejif-10239	85	15	to	to	PART
ejif-10239	85	16	create	create	VERB
ejif-10239	85	17	machine	machine	NOUN
ejif-10239	85	18	learning	learning	NOUN
ejif-10239	85	19	(	(	PUNCT
ejif-10239	85	20	ml	ml	NOUN
ejif-10239	85	21	)	)	PUNCT
ejif-10239	85	22	algorithms	algorithm	NOUN
ejif-10239	85	23	that	that	PRON
ejif-10239	85	24	are	be	AUX
ejif-10239	85	25	accurate	accurate	ADJ
ejif-10239	85	26	but	but	CCONJ
ejif-10239	85	27	also	also	ADV
ejif-10239	85	28	just	just	ADV
ejif-10239	85	29	and	and	CCONJ
ejif-10239	85	30	equitable	equitable	ADJ
ejif-10239	85	31	.	.	PUNCT
ejif-10239	86	1	as	as	SCONJ
ejif-10239	86	2	machine	machine	NOUN
ejif-10239	86	3	learning	learning	NOUN
ejif-10239	86	4	(	(	PUNCT
ejif-10239	86	5	ml	ml	NOUN
ejif-10239	86	6	)	)	PUNCT
ejif-10239	86	7	technology	technology	NOUN
ejif-10239	86	8	becomes	become	VERB
ejif-10239	86	9	more	more	ADV
ejif-10239	86	10	integrated	integrate	VERB
ejif-10239	86	11	into	into	ADP
ejif-10239	86	12	banking	banking	NOUN
ejif-10239	86	13	,	,	PUNCT
ejif-10239	86	14	healthcare	healthcare	PROPN
ejif-10239	86	15	,	,	PUNCT
ejif-10239	86	16	and	and	CCONJ
ejif-10239	86	17	employment	employment	NOUN
ejif-10239	86	18	decision	decision	NOUN
ejif-10239	86	19	-	-	PUNCT
ejif-10239	86	20	making	make	VERB
ejif-10239	86	21	processes	process	NOUN
ejif-10239	86	22	,	,	PUNCT
ejif-10239	86	23	the	the	DET
ejif-10239	86	24	demand	demand	NOUN
ejif-10239	86	25	for	for	ADP
ejif-10239	86	26	fairness	fairness	NOUN
ejif-10239	86	27	and	and	CCONJ
ejif-10239	86	28	impartiality	impartiality	NOUN
ejif-10239	86	29	grows	grow	VERB
ejif-10239	86	30	(	(	PUNCT
ejif-10239	86	31	mehrabi	mehrabi	NOUN
ejif-10239	86	32	et	et	PROPN
ejif-10239	86	33	al	al	PROPN
ejif-10239	86	34	.	.	PROPN
ejif-10239	86	35	,	,	PUNCT
ejif-10239	86	36	2021	2021	NUM
ejif-10239	86	37	)	)	PUNCT
ejif-10239	86	38	.	.	PUNCT
ejif-10239	87	1	ensuring	ensure	VERB
ejif-10239	87	2	these	these	DET
ejif-10239	87	3	algorithms	algorithm	NOUN
ejif-10239	87	4	do	do	AUX
ejif-10239	87	5	not	not	PART
ejif-10239	87	6	reinforce	reinforce	VERB
ejif-10239	87	7	current	current	ADJ
ejif-10239	87	8	prejudices	prejudice	NOUN
ejif-10239	87	9	or	or	CCONJ
ejif-10239	87	10	create	create	VERB
ejif-10239	87	11	new	new	ADJ
ejif-10239	87	12	discrimination	discrimination	NOUN
ejif-10239	87	13	is	be	AUX
ejif-10239	87	14	critical	critical	ADJ
ejif-10239	87	15	for	for	ADP
ejif-10239	87	16	building	build	VERB
ejif-10239	87	17	confidence	confidence	NOUN
ejif-10239	87	18	and	and	CCONJ
ejif-10239	87	19	encouraging	encourage	VERB
ejif-10239	87	20	equal	equal	ADJ
ejif-10239	87	21	results	result	NOUN
ejif-10239	87	22	.	.	PUNCT
ejif-10239	88	1	this	this	PRON
ejif-10239	88	2	includes	include	VERB
ejif-10239	88	3	establishing	establish	VERB
ejif-10239	88	4	strong	strong	ADJ
ejif-10239	88	5	data	datum	NOUN
ejif-10239	88	6	governance	governance	NOUN
ejif-10239	88	7	policies	policy	NOUN
ejif-10239	88	8	,	,	PUNCT
ejif-10239	88	9	constantly	constantly	ADV
ejif-10239	88	10	monitoring	monitor	VERB
ejif-10239	88	11	and	and	CCONJ
ejif-10239	88	12	auditing	audit	VERB
ejif-10239	88	13	algorithmic	algorithmic	ADJ
ejif-10239	88	14	judgements	judgement	NOUN
ejif-10239	88	15	,	,	PUNCT
ejif-10239	88	16	and	and	CCONJ
ejif-10239	88	17	including	include	VERB
ejif-10239	88	18	ethical	ethical	ADJ
ejif-10239	88	19	concerns	concern	NOUN
ejif-10239	88	20	in	in	ADP
ejif-10239	88	21	designing	design	VERB
ejif-10239	88	22	and	and	CCONJ
ejif-10239	88	23	deploying	deploy	VERB
ejif-10239	88	24	ml	ml	NOUN
ejif-10239	88	25	systems	system	NOUN
ejif-10239	88	26	(	(	PUNCT
ejif-10239	88	27	pessach	pessach	NOUN
ejif-10239	88	28	and	and	CCONJ
ejif-10239	88	29	shmueli	shmueli	VERB
ejif-10239	88	30	,	,	PUNCT
ejif-10239	88	31	2022	2022	NUM
ejif-10239	88	32	)	)	PUNCT
ejif-10239	88	33	.	.	PUNCT
ejif-10239	89	1	the	the	DET
ejif-10239	89	2	ml	ml	PROPN
ejif-10239	89	3	algorithms	algorithm	NOUN
ejif-10239	89	4	are	be	AUX
ejif-10239	89	5	designed	design	VERB
ejif-10239	89	6	to	to	PART
ejif-10239	89	7	learn	learn	VERB
ejif-10239	89	8	automatically	automatically	ADV
ejif-10239	89	9	from	from	ADP
ejif-10239	89	10	the	the	DET
ejif-10239	89	11	inputs	input	NOUN
ejif-10239	89	12	to	to	ADP
ejif-10239	89	13	the	the	DET
ejif-10239	89	14	system	system	NOUN
ejif-10239	89	15	(	(	PUNCT
ejif-10239	89	16	chouldechova	chouldechova	PROPN
ejif-10239	89	17	and	and	CCONJ
ejif-10239	89	18	roth	roth	PROPN
ejif-10239	89	19	,	,	PUNCT
ejif-10239	89	20	2020	2020	NUM
ejif-10239	89	21	)	)	PUNCT
ejif-10239	89	22	.	.	PUNCT
ejif-10239	90	1	therefore	therefore	ADV
ejif-10239	90	2	,	,	PUNCT
ejif-10239	90	3	biases	bias	NOUN
ejif-10239	90	4	,	,	PUNCT
ejif-10239	90	5	discrimination	discrimination	NOUN
ejif-10239	90	6	,	,	PUNCT
ejif-10239	90	7	and	and	CCONJ
ejif-10239	90	8	unfairness	unfairness	NOUN
ejif-10239	90	9	may	may	AUX
ejif-10239	90	10	be	be	AUX
ejif-10239	90	11	caused	cause	VERB
ejif-10239	90	12	by	by	ADP
ejif-10239	90	13	biases	bias	NOUN
ejif-10239	90	14	in	in	ADP
ejif-10239	90	15	the	the	DET
ejif-10239	90	16	feeding	feeding	NOUN
ejif-10239	90	17	or	or	CCONJ
ejif-10239	90	18	missing	miss	VERB
ejif-10239	90	19	data	datum	NOUN
ejif-10239	90	20	.	.	PUNCT
ejif-10239	91	1	some	some	DET
ejif-10239	91	2	measures	measure	NOUN
ejif-10239	91	3	in	in	ADP
ejif-10239	91	4	the	the	DET
ejif-10239	91	5	data	datum	NOUN
ejif-10239	91	6	can	can	AUX
ejif-10239	91	7	unbalance	unbalance	VERB
ejif-10239	91	8	the	the	DET
ejif-10239	91	9	data	datum	NOUN
ejif-10239	91	10	set	set	VERB
ejif-10239	91	11	and	and	CCONJ
ejif-10239	91	12	turn	turn	VERB
ejif-10239	91	13	it	it	PRON
ejif-10239	91	14	into	into	ADP
ejif-10239	91	15	bias	bias	NOUN
ejif-10239	91	16	.	.	PUNCT
ejif-10239	92	1	those	those	DET
ejif-10239	92	2	measures	measure	NOUN
ejif-10239	92	3	can	can	AUX
ejif-10239	92	4	be	be	AUX
ejif-10239	92	5	related	relate	VERB
ejif-10239	92	6	to	to	ADP
ejif-10239	92	7	disparate	disparate	ADJ
ejif-10239	92	8	impact	impact	NOUN
ejif-10239	92	9	,	,	PUNCT
ejif-10239	92	10	demography	demography	NOUN
ejif-10239	92	11	,	,	PUNCT
ejif-10239	92	12	equality	equality	NOUN
ejif-10239	92	13	,	,	PUNCT
ejif-10239	92	14	awareness	awareness	NOUN
ejif-10239	92	15	,	,	PUNCT
ejif-10239	92	16	and	and	CCONJ
ejif-10239	92	17	equalisation	equalisation	NOUN
ejif-10239	92	18	(	(	PUNCT
ejif-10239	92	19	pessach	pessach	NOUN
ejif-10239	92	20	and	and	CCONJ
ejif-10239	92	21	shmueli	shmueli	VERB
ejif-10239	92	22	,	,	PUNCT
ejif-10239	92	23	2022	2022	NUM
ejif-10239	92	24	)	)	PUNCT
ejif-10239	92	25	.	.	PUNCT
ejif-10239	93	1	hence	hence	ADV
ejif-10239	93	2	,	,	PUNCT
ejif-10239	93	3	it	it	PRON
ejif-10239	93	4	is	be	AUX
ejif-10239	93	5	essential	essential	ADJ
ejif-10239	93	6	to	to	PART
ejif-10239	93	7	run	run	VERB
ejif-10239	93	8	the	the	DET
ejif-10239	93	9	data	datum	NOUN
ejif-10239	93	10	before	before	ADP
ejif-10239	93	11	entering	enter	VERB
ejif-10239	93	12	it	it	PRON
ejif-10239	93	13	into	into	ADP
ejif-10239	93	14	the	the	DET
ejif-10239	93	15	machine	machine	NOUN
ejif-10239	93	16	to	to	PART
ejif-10239	93	17	prevent	prevent	VERB
ejif-10239	93	18	such	such	ADJ
ejif-10239	93	19	biases	bias	NOUN
ejif-10239	93	20	from	from	ADP
ejif-10239	93	21	being	be	AUX
ejif-10239	93	22	created	create	VERB
ejif-10239	93	23	by	by	ADP
ejif-10239	93	24	altering	alter	VERB
ejif-10239	93	25	the	the	DET
ejif-10239	93	26	dataset	dataset	NOUN
ejif-10239	93	27	's	's	PART
ejif-10239	93	28	characteristics	characteristic	NOUN
ejif-10239	93	29	so	so	SCONJ
ejif-10239	93	30	that	that	SCONJ
ejif-10239	93	31	the	the	DET
ejif-10239	93	32	distributions	distribution	NOUN
ejif-10239	93	33	for	for	ADP
ejif-10239	93	34	both	both	DET
ejif-10239	93	35	advantages	advantage	NOUN
ejif-10239	93	36	and	and	CCONJ
ejif-10239	93	37	disadvantaged	disadvantaged	ADJ
ejif-10239	93	38	groups	group	NOUN
ejif-10239	93	39	become	become	VERB
ejif-10239	93	40	identical	identical	ADJ
ejif-10239	93	41	,	,	PUNCT
ejif-10239	93	42	making	make	VERB
ejif-10239	93	43	it	it	PRON
ejif-10239	93	44	more	more	ADV
ejif-10239	93	45	difficult	difficult	ADJ
ejif-10239	93	46	for	for	SCONJ
ejif-10239	93	47	the	the	DET
ejif-10239	93	48	algorithm	algorithm	NOUN
ejif-10239	93	49	to	to	PART
ejif-10239	93	50	distinguish	distinguish	VERB
ejif-10239	93	51	between	between	ADP
ejif-10239	93	52	them	they	PRON
ejif-10239	93	53	.	.	PUNCT
ejif-10239	94	1	on	on	ADP
ejif-10239	94	2	the	the	DET
ejif-10239	94	3	other	other	ADJ
ejif-10239	94	4	side	side	NOUN
ejif-10239	94	5	,	,	PUNCT
ejif-10239	94	6	grover	grover	PROPN
ejif-10239	94	7	and	and	CCONJ
ejif-10239	94	8	roy	roy	PROPN
ejif-10239	94	9	believe	believe	VERB
ejif-10239	94	10	that	that	SCONJ
ejif-10239	94	11	intelligence	intelligence	NOUN
ejif-10239	94	12	-	-	PUNCT
ejif-10239	94	13	driven	drive	VERB
ejif-10239	94	14	fintech	fintech	NOUN
ejif-10239	94	15	solutions	solution	NOUN
ejif-10239	94	16	have	have	VERB
ejif-10239	94	17	the	the	DET
ejif-10239	94	18	potential	potential	NOUN
ejif-10239	94	19	to	to	PART
ejif-10239	94	20	address	address	VERB
ejif-10239	94	21	financial	financial	ADJ
ejif-10239	94	22	exclusion	exclusion	NOUN
ejif-10239	94	23	and	and	CCONJ
ejif-10239	94	24	enhance	enhance	VERB
ejif-10239	94	25	access	access	NOUN
ejif-10239	94	26	to	to	ADP
ejif-10239	94	27	financial	financial	ADJ
ejif-10239	94	28	services	service	NOUN
ejif-10239	94	29	,	,	PUNCT
ejif-10239	94	30	particularly	particularly	ADV
ejif-10239	94	31	for	for	ADP
ejif-10239	94	32	the	the	DET
ejif-10239	94	33	poor	poor	ADJ
ejif-10239	94	34	.	.	PUNCT
ejif-10239	95	1	ai	ai	VERB
ejif-10239	95	2	-	-	PUNCT
ejif-10239	95	3	driven	drive	VERB
ejif-10239	95	4	algorithms	algorithm	NOUN
ejif-10239	95	5	and	and	CCONJ
ejif-10239	95	6	machine	machine	NOUN
ejif-10239	95	7	learning	learning	NOUN
ejif-10239	95	8	technologies	technology	NOUN
ejif-10239	95	9	enhance	enhance	VERB
ejif-10239	95	10	financial	financial	ADJ
ejif-10239	95	11	services	service	NOUN
ejif-10239	95	12	'	'	PART
ejif-10239	95	13	efficiency	efficiency	NOUN
ejif-10239	95	14	,	,	PUNCT
ejif-10239	95	15	accuracy	accuracy	NOUN
ejif-10239	95	16	,	,	PUNCT
ejif-10239	95	17	and	and	CCONJ
ejif-10239	95	18	usability	usability	NOUN
ejif-10239	95	19	,	,	PUNCT
ejif-10239	95	20	allowing	allow	VERB
ejif-10239	95	21	financial	financial	ADJ
ejif-10239	95	22	institutions	institution	NOUN
ejif-10239	95	23	to	to	PART
ejif-10239	95	24	meet	meet	VERB
ejif-10239	95	25	marginalised	marginalised	ADJ
ejif-10239	95	26	communities	community	NOUN
ejif-10239	95	27	'	'	PART
ejif-10239	95	28	needs	need	NOUN
ejif-10239	95	29	better	well	ADV
ejif-10239	95	30	.	.	PUNCT
ejif-10239	96	1	it	it	PRON
ejif-10239	96	2	creates	create	VERB
ejif-10239	96	3	self	self	NOUN
ejif-10239	96	4	-	-	PUNCT
ejif-10239	96	5	sustaining	sustain	VERB
ejif-10239	96	6	and	and	CCONJ
ejif-10239	96	7	reproducible	reproducible	ADJ
ejif-10239	96	8	solutions	solution	NOUN
ejif-10239	96	9	by	by	ADP
ejif-10239	96	10	leveraging	leverage	VERB
ejif-10239	96	11	the	the	DET
ejif-10239	96	12	interdependent	interdependent	ADJ
ejif-10239	96	13	link	link	NOUN
ejif-10239	96	14	between	between	ADP
ejif-10239	96	15	sustainable	sustainable	ADJ
ejif-10239	96	16	development	development	NOUN
ejif-10239	96	17	,	,	PUNCT
ejif-10239	96	18	human	human	ADJ
ejif-10239	96	19	advancement	advancement	NOUN
ejif-10239	96	20	,	,	PUNCT
ejif-10239	96	21	and	and	CCONJ
ejif-10239	96	22	economic	economic	ADJ
ejif-10239	96	23	empowerment	empowerment	NOUN
ejif-10239	96	24	(	(	PUNCT
ejif-10239	96	25	salampasis	salampasis	NOUN
ejif-10239	96	26	and	and	CCONJ
ejif-10239	96	27	mention	mention	NOUN
ejif-10239	96	28	,	,	PUNCT
ejif-10239	96	29	2018	2018	NUM
ejif-10239	96	30	)	)	PUNCT
ejif-10239	96	31	.	.	PUNCT
ejif-10239	97	1	however	however	ADV
ejif-10239	97	2	,	,	PUNCT
ejif-10239	97	3	applying	apply	VERB
ejif-10239	97	4	fintech	fintech	NOUN
ejif-10239	97	5	,	,	PUNCT
ejif-10239	97	6	particularly	particularly	ADV
ejif-10239	97	7	ai	ai	VERB
ejif-10239	97	8	and	and	CCONJ
ejif-10239	97	9	ml	ml	NOUN
ejif-10239	97	10	,	,	PUNCT
ejif-10239	97	11	in	in	ADP
ejif-10239	97	12	finance	finance	NOUN
ejif-10239	97	13	brings	bring	VERB
ejif-10239	97	14	potential	potential	ADJ
ejif-10239	97	15	risks	risk	NOUN
ejif-10239	97	16	and	and	CCONJ
ejif-10239	97	17	considerations	consideration	NOUN
ejif-10239	97	18	for	for	ADP
ejif-10239	97	19	protecting	protect	VERB
ejif-10239	97	20	financial	financial	ADJ
ejif-10239	97	21	consumers	consumer	NOUN
ejif-10239	97	22	and	and	CCONJ
ejif-10239	97	23	investors	investor	NOUN
ejif-10239	97	24	.	.	PUNCT
ejif-10239	98	1	these	these	DET
ejif-10239	98	2	technologies	technology	NOUN
ejif-10239	98	3	can	can	AUX
ejif-10239	98	4	amplify	amplify	VERB
ejif-10239	98	5	vulnerabilities	vulnerability	NOUN
ejif-10239	98	6	due	due	ADP
ejif-10239	98	7	to	to	ADP
ejif-10239	98	8	their	their	PRON
ejif-10239	98	9	complexity	complexity	NOUN
ejif-10239	98	10	,	,	PUNCT
ejif-10239	98	11	dynamic	dynamic	ADJ
ejif-10239	98	12	adaptability	adaptability	NOUN
ejif-10239	98	13	,	,	PUNCT
ejif-10239	98	14	and	and	CCONJ
ejif-10239	98	15	level	level	NOUN
ejif-10239	98	16	of	of	ADP
ejif-10239	98	17	autonomy	autonomy	NOUN
ejif-10239	98	18	.	.	PUNCT
ejif-10239	99	1	the	the	DET
ejif-10239	99	2	lack	lack	NOUN
ejif-10239	99	3	of	of	ADP
ejif-10239	99	4	explainability	explainability	NOUN
ejif-10239	99	5	in	in	ADP
ejif-10239	99	6	fintech	fintech	NOUN
ejif-10239	99	7	models	model	NOUN
ejif-10239	99	8	'	'	PART
ejif-10239	99	9	operations	operation	NOUN
ejif-10239	99	10	could	could	AUX
ejif-10239	99	11	lead	lead	VERB
ejif-10239	99	12	to	to	ADP
ejif-10239	99	13	systemic	systemic	ADJ
ejif-10239	99	14	and	and	CCONJ
ejif-10239	99	15	pro	pro	ADJ
ejif-10239	99	16	-	-	ADJ
ejif-10239	99	17	cyclical	cyclical	ADJ
ejif-10239	99	18	market	market	NOUN
ejif-10239	99	19	risks	risk	NOUN
ejif-10239	99	20	and	and	CCONJ
ejif-10239	99	21	potential	potential	ADJ
ejif-10239	99	22	misalignment	misalignment	NOUN
ejif-10239	99	23	with	with	ADP
ejif-10239	99	24	existing	exist	VERB
ejif-10239	99	25	financial	financial	ADJ
ejif-10239	99	26	oversight	oversight	NOUN
ejif-10239	99	27	and	and	CCONJ
ejif-10239	99	28	internal	internal	ADJ
ejif-10239	99	29	regulatory	regulatory	ADJ
ejif-10239	99	30	and	and	CCONJ
ejif-10239	99	31	governance	governance	NOUN
ejif-10239	99	32	frameworks	framework	NOUN
ejif-10239	99	33	,	,	PUNCT
ejif-10239	99	34	challenging	challenge	VERB
ejif-10239	99	35	the	the	DET
ejif-10239	99	36	technology	technology	NOUN
ejif-10239	99	37	-	-	PUNCT
ejif-10239	99	38	neutral	neutral	ADJ
ejif-10239	99	39	approach	approach	NOUN
ejif-10239	99	40	adopted	adopt	VERB
ejif-10239	99	41	in	in	ADP
ejif-10239	99	42	policymaking	policymake	VERB
ejif-10239	99	43	(	(	PUNCT
ejif-10239	99	44	benlala	benlala	NOUN
ejif-10239	99	45	,	,	PUNCT
ejif-10239	99	46	2023	2023	NUM
ejif-10239	99	47	)	)	PUNCT
ejif-10239	99	48	.	.	PUNCT
ejif-10239	100	1	european	european	PROPN
ejif-10239	100	2	journal	journal	PROPN
ejif-10239	100	3	of	of	ADP
ejif-10239	100	4	islamic	islamic	PROPN
ejif-10239	100	5	finance	finance	PROPN
ejif-10239	100	6	issn	issn	PROPN
ejif-10239	100	7	:	:	PUNCT
ejif-10239	100	8	2421	2421	NUM
ejif-10239	100	9	-	-	SYM
ejif-10239	100	10	2172	2172	NUM
ejif-10239	100	11	doi	doi	NOUN
ejif-10239	100	12	:	:	PUNCT
ejif-10239	100	13	10.13135/2421	10.13135/2421	NUM
ejif-10239	100	14	-	-	SYM
ejif-10239	100	15	2172/10239	2172/10239	NUM
ejif-10239	100	16	published	publish	VERB
ejif-10239	100	17	by	by	ADP
ejif-10239	100	18	university	university	PROPN
ejif-10239	100	19	of	of	ADP
ejif-10239	100	20	turin	turin	PROPN
ejif-10239	101	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	101	2	ejif	ejif	PROPN
ejif-10239	101	3	content	content	NOUN
ejif-10239	101	4	is	be	AUX
ejif-10239	101	5	licensed	license	VERB
ejif-10239	101	6	under	under	ADP
ejif-10239	101	7	a	a	DET
ejif-10239	101	8	creative	creative	ADJ
ejif-10239	101	9	commons	common	NOUN
ejif-10239	101	10	attribution	attribution	NOUN
ejif-10239	101	11	4.0	4.0	NUM
ejif-10239	101	12	international	international	ADJ
ejif-10239	101	13	license	license	NOUN
ejif-10239	101	14	40	40	NUM
ejif-10239	101	15	within	within	ADP
ejif-10239	101	16	the	the	DET
ejif-10239	101	17	range	range	NOUN
ejif-10239	101	18	of	of	ADP
ejif-10239	101	19	the	the	DET
ejif-10239	101	20	promises	promise	NOUN
ejif-10239	101	21	of	of	ADP
ejif-10239	101	22	technological	technological	ADJ
ejif-10239	101	23	emergence	emergence	NOUN
ejif-10239	101	24	,	,	PUNCT
ejif-10239	101	25	there	there	PRON
ejif-10239	101	26	are	be	VERB
ejif-10239	101	27	still	still	ADV
ejif-10239	101	28	a	a	DET
ejif-10239	101	29	lot	lot	NOUN
ejif-10239	101	30	of	of	ADP
ejif-10239	101	31	gaps	gap	NOUN
ejif-10239	101	32	that	that	PRON
ejif-10239	101	33	need	need	VERB
ejif-10239	101	34	to	to	PART
ejif-10239	101	35	be	be	AUX
ejif-10239	101	36	bridged	bridge	VERB
ejif-10239	101	37	legally	legally	ADV
ejif-10239	101	38	and	and	CCONJ
ejif-10239	101	39	in	in	ADP
ejif-10239	101	40	accounting	accounting	NOUN
ejif-10239	101	41	.	.	PUNCT
ejif-10239	102	1	many	many	ADJ
ejif-10239	102	2	accountability	accountability	NOUN
ejif-10239	102	3	measures	measure	NOUN
ejif-10239	102	4	have	have	AUX
ejif-10239	102	5	been	be	AUX
ejif-10239	102	6	proposed	propose	VERB
ejif-10239	102	7	to	to	PART
ejif-10239	102	8	promote	promote	VERB
ejif-10239	102	9	responsible	responsible	ADJ
ejif-10239	102	10	ai	ai	PROPN
ejif-10239	102	11	development	development	NOUN
ejif-10239	102	12	,	,	PUNCT
ejif-10239	102	13	design	design	NOUN
ejif-10239	102	14	,	,	PUNCT
ejif-10239	102	15	and	and	CCONJ
ejif-10239	102	16	deployment	deployment	NOUN
ejif-10239	102	17	(	(	PUNCT
ejif-10239	102	18	henriksen	henriksen	NOUN
ejif-10239	102	19	et	et	PROPN
ejif-10239	102	20	al	al	PROPN
ejif-10239	102	21	.	.	PROPN
ejif-10239	102	22	,	,	PUNCT
ejif-10239	102	23	2021	2021	NUM
ejif-10239	102	24	)	)	PUNCT
ejif-10239	102	25	.	.	PUNCT
ejif-10239	103	1	accountability	accountability	NOUN
ejif-10239	103	2	is	be	AUX
ejif-10239	103	3	a	a	DET
ejif-10239	103	4	concept	concept	NOUN
ejif-10239	103	5	that	that	PRON
ejif-10239	103	6	gathers	gather	VERB
ejif-10239	103	7	the	the	DET
ejif-10239	103	8	desire	desire	NOUN
ejif-10239	103	9	for	for	ADP
ejif-10239	103	10	good	good	ADJ
ejif-10239	103	11	governance	governance	NOUN
ejif-10239	103	12	and	and	CCONJ
ejif-10239	103	13	need	need	VERB
ejif-10239	103	14	to	to	PART
ejif-10239	103	15	act	act	VERB
ejif-10239	103	16	with	with	ADP
ejif-10239	103	17	transparency	transparency	NOUN
ejif-10239	103	18	,	,	PUNCT
ejif-10239	103	19	fairness	fairness	NOUN
ejif-10239	103	20	,	,	PUNCT
ejif-10239	103	21	and	and	CCONJ
ejif-10239	103	22	justice	justice	NOUN
ejif-10239	103	23	(	(	PUNCT
ejif-10239	103	24	bovens	boven	NOUN
ejif-10239	103	25	,	,	PUNCT
ejif-10239	103	26	2010	2010	NUM
ejif-10239	103	27	)	)	PUNCT
ejif-10239	103	28	.	.	PUNCT
ejif-10239	104	1	the	the	DET
ejif-10239	104	2	lack	lack	NOUN
ejif-10239	104	3	of	of	ADP
ejif-10239	104	4	accountability	accountability	NOUN
ejif-10239	104	5	in	in	ADP
ejif-10239	104	6	such	such	ADJ
ejif-10239	104	7	advanced	advanced	ADJ
ejif-10239	104	8	technology	technology	NOUN
ejif-10239	104	9	involved	involve	VERB
ejif-10239	104	10	in	in	ADP
ejif-10239	104	11	financial	financial	ADJ
ejif-10239	104	12	decision	decision	NOUN
ejif-10239	104	13	-	-	PUNCT
ejif-10239	104	14	making	making	NOUN
ejif-10239	104	15	may	may	AUX
ejif-10239	104	16	create	create	VERB
ejif-10239	104	17	a	a	DET
ejif-10239	104	18	“	"	PUNCT
ejif-10239	104	19	black	black	ADJ
ejif-10239	104	20	box	box	NOUN
ejif-10239	104	21	problem	problem	NOUN
ejif-10239	104	22	”	"	PUNCT
ejif-10239	104	23	that	that	PRON
ejif-10239	104	24	will	will	AUX
ejif-10239	104	25	result	result	VERB
ejif-10239	104	26	in	in	ADP
ejif-10239	104	27	more	more	ADV
ejif-10239	104	28	complicated	complicated	ADJ
ejif-10239	104	29	,	,	PUNCT
ejif-10239	104	30	complex	complex	ADJ
ejif-10239	104	31	,	,	PUNCT
ejif-10239	104	32	and	and	CCONJ
ejif-10239	104	33	aggregated	aggregate	VERB
ejif-10239	104	34	situations	situation	NOUN
ejif-10239	104	35	that	that	PRON
ejif-10239	104	36	will	will	AUX
ejif-10239	104	37	directly	directly	ADV
ejif-10239	104	38	link	link	VERB
ejif-10239	104	39	to	to	ADP
ejif-10239	104	40	substantial	substantial	ADJ
ejif-10239	104	41	effects	effect	NOUN
ejif-10239	104	42	on	on	ADP
ejif-10239	104	43	the	the	DET
ejif-10239	104	44	markets	market	NOUN
ejif-10239	104	45	(	(	PUNCT
ejif-10239	104	46	fletcher	fletcher	NOUN
ejif-10239	104	47	and	and	CCONJ
ejif-10239	104	48	le	le	PROPN
ejif-10239	104	49	,	,	PUNCT
ejif-10239	104	50	2021	2021	NUM
ejif-10239	104	51	)	)	PUNCT
ejif-10239	104	52	.	.	PUNCT
ejif-10239	105	1	due	due	ADP
ejif-10239	105	2	to	to	ADP
ejif-10239	105	3	these	these	DET
ejif-10239	105	4	concerns	concern	NOUN
ejif-10239	105	5	,	,	PUNCT
ejif-10239	105	6	the	the	DET
ejif-10239	105	7	advantages	advantage	NOUN
ejif-10239	105	8	of	of	ADP
ejif-10239	105	9	ai	ai	VERB
ejif-10239	105	10	need	need	NOUN
ejif-10239	105	11	to	to	PART
ejif-10239	105	12	be	be	AUX
ejif-10239	105	13	carefully	carefully	ADV
ejif-10239	105	14	balanced	balance	VERB
ejif-10239	105	15	against	against	ADP
ejif-10239	105	16	the	the	DET
ejif-10239	105	17	specific	specific	ADJ
ejif-10239	105	18	risks	risk	NOUN
ejif-10239	105	19	that	that	PRON
ejif-10239	105	20	come	come	VERB
ejif-10239	105	21	with	with	ADP
ejif-10239	105	22	its	its	PRON
ejif-10239	105	23	proliferation	proliferation	NOUN
ejif-10239	105	24	in	in	ADP
ejif-10239	105	25	the	the	DET
ejif-10239	105	26	markets	market	NOUN
ejif-10239	105	27	(	(	PUNCT
ejif-10239	105	28	fletcher	fletcher	NOUN
ejif-10239	105	29	and	and	CCONJ
ejif-10239	105	30	le	le	PROPN
ejif-10239	105	31	,	,	PUNCT
ejif-10239	105	32	2021	2021	NUM
ejif-10239	105	33	)	)	PUNCT
ejif-10239	105	34	.	.	PUNCT
ejif-10239	106	1	several	several	ADJ
ejif-10239	106	2	accountability	accountability	NOUN
ejif-10239	106	3	methods	method	NOUN
ejif-10239	106	4	have	have	AUX
ejif-10239	106	5	been	be	AUX
ejif-10239	106	6	suggested	suggest	VERB
ejif-10239	106	7	and	and	CCONJ
ejif-10239	106	8	implemented	implement	VERB
ejif-10239	106	9	in	in	ADP
ejif-10239	106	10	the	the	DET
ejif-10239	106	11	past	past	ADJ
ejif-10239	106	12	few	few	ADJ
ejif-10239	106	13	decades	decade	NOUN
ejif-10239	106	14	to	to	PART
ejif-10239	106	15	guarantee	guarantee	VERB
ejif-10239	106	16	that	that	SCONJ
ejif-10239	106	17	ai	ai	NOUN
ejif-10239	106	18	is	be	AUX
ejif-10239	106	19	designed	design	VERB
ejif-10239	106	20	,	,	PUNCT
ejif-10239	106	21	developed	develop	VERB
ejif-10239	106	22	,	,	PUNCT
ejif-10239	106	23	and	and	CCONJ
ejif-10239	106	24	used	use	VERB
ejif-10239	106	25	responsibly	responsibly	ADV
ejif-10239	106	26	.	.	PUNCT
ejif-10239	107	1	these	these	DET
ejif-10239	107	2	procedures	procedure	NOUN
ejif-10239	107	3	seek	seek	VERB
ejif-10239	107	4	to	to	PART
ejif-10239	107	5	address	address	VERB
ejif-10239	107	6	ai	ai	VERB
ejif-10239	107	7	technology	technology	NOUN
ejif-10239	107	8	's	's	PART
ejif-10239	107	9	ethical	ethical	ADJ
ejif-10239	107	10	,	,	PUNCT
ejif-10239	107	11	legal	legal	ADJ
ejif-10239	107	12	,	,	PUNCT
ejif-10239	107	13	and	and	CCONJ
ejif-10239	107	14	societal	societal	ADJ
ejif-10239	107	15	concerns	concern	NOUN
ejif-10239	107	16	while	while	SCONJ
ejif-10239	107	17	encouraging	encourage	VERB
ejif-10239	107	18	openness	openness	NOUN
ejif-10239	107	19	,	,	PUNCT
ejif-10239	107	20	justice	justice	NOUN
ejif-10239	107	21	,	,	PUNCT
ejif-10239	107	22	and	and	CCONJ
ejif-10239	107	23	responsibility	responsibility	NOUN
ejif-10239	107	24	(	(	PUNCT
ejif-10239	107	25	bovens	boven	NOUN
ejif-10239	107	26	,	,	PUNCT
ejif-10239	107	27	2010	2010	NUM
ejif-10239	107	28	)	)	PUNCT
ejif-10239	107	29	.	.	PUNCT
ejif-10239	108	1	one	one	NUM
ejif-10239	108	2	of	of	ADP
ejif-10239	108	3	the	the	DET
ejif-10239	108	4	key	key	ADJ
ejif-10239	108	5	issues	issue	NOUN
ejif-10239	108	6	in	in	ADP
ejif-10239	108	7	ai	ai	PROPN
ejif-10239	108	8	accountability	accountability	NOUN
ejif-10239	108	9	is	be	AUX
ejif-10239	108	10	determining	determine	VERB
ejif-10239	108	11	who	who	PRON
ejif-10239	108	12	is	be	AUX
ejif-10239	108	13	responsible	responsible	ADJ
ejif-10239	108	14	for	for	ADP
ejif-10239	108	15	ai	ai	PROPN
ejif-10239	108	16	system	system	NOUN
ejif-10239	108	17	choices	choice	NOUN
ejif-10239	108	18	.	.	PUNCT
ejif-10239	109	1	depending	depend	VERB
ejif-10239	109	2	on	on	ADP
ejif-10239	109	3	the	the	DET
ejif-10239	109	4	nature	nature	NOUN
ejif-10239	109	5	of	of	ADP
ejif-10239	109	6	the	the	DET
ejif-10239	109	7	choice	choice	NOUN
ejif-10239	109	8	and	and	CCONJ
ejif-10239	109	9	the	the	DET
ejif-10239	109	10	level	level	NOUN
ejif-10239	109	11	of	of	ADP
ejif-10239	109	12	human	human	ADJ
ejif-10239	109	13	engagement	engagement	NOUN
ejif-10239	109	14	in	in	ADP
ejif-10239	109	15	the	the	DET
ejif-10239	109	16	ai	ai	NOUN
ejif-10239	109	17	's	's	PART
ejif-10239	109	18	operation	operation	NOUN
ejif-10239	109	19	,	,	PUNCT
ejif-10239	109	20	accountability	accountability	NOUN
ejif-10239	109	21	may	may	AUX
ejif-10239	109	22	lie	lie	VERB
ejif-10239	109	23	on	on	ADP
ejif-10239	109	24	ai	ai	PROPN
ejif-10239	109	25	system	system	NOUN
ejif-10239	109	26	creators	creator	NOUN
ejif-10239	109	27	,	,	PUNCT
ejif-10239	109	28	operators	operator	NOUN
ejif-10239	109	29	,	,	PUNCT
ejif-10239	109	30	or	or	CCONJ
ejif-10239	109	31	users	user	NOUN
ejif-10239	109	32	.	.	PUNCT
ejif-10239	110	1	regulators	regulator	NOUN
ejif-10239	110	2	and	and	CCONJ
ejif-10239	110	3	politicians	politician	NOUN
ejif-10239	110	4	are	be	AUX
ejif-10239	110	5	attempting	attempt	VERB
ejif-10239	110	6	to	to	PART
ejif-10239	110	7	find	find	VERB
ejif-10239	110	8	a	a	DET
ejif-10239	110	9	fair	fair	ADJ
ejif-10239	110	10	and	and	CCONJ
ejif-10239	110	11	transparent	transparent	ADJ
ejif-10239	110	12	way	way	NOUN
ejif-10239	110	13	to	to	PART
ejif-10239	110	14	allocate	allocate	VERB
ejif-10239	110	15	this	this	DET
ejif-10239	110	16	obligation	obligation	NOUN
ejif-10239	110	17	(	(	PUNCT
ejif-10239	110	18	bovens	boven	NOUN
ejif-10239	110	19	,	,	PUNCT
ejif-10239	110	20	2010	2010	NUM
ejif-10239	110	21	)	)	PUNCT
ejif-10239	110	22	.	.	PUNCT
ejif-10239	111	1	uzougbo	uzougbo	X
ejif-10239	111	2	et	et	PROPN
ejif-10239	111	3	al	al	PROPN
ejif-10239	111	4	.	.	PROPN
ejif-10239	112	1	(	(	PUNCT
ejif-10239	112	2	2024	2024	NUM
ejif-10239	112	3	)	)	PUNCT
ejif-10239	112	4	highlighted	highlight	VERB
ejif-10239	112	5	that	that	SCONJ
ejif-10239	112	6	tackling	tackle	VERB
ejif-10239	112	7	the	the	DET
ejif-10239	112	8	ethical	ethical	ADJ
ejif-10239	112	9	concerns	concern	NOUN
ejif-10239	112	10	,	,	PUNCT
ejif-10239	112	11	which	which	PRON
ejif-10239	112	12	are	be	AUX
ejif-10239	112	13	related	relate	VERB
ejif-10239	112	14	to	to	ADP
ejif-10239	112	15	no	no	DET
ejif-10239	112	16	transparency	transparency	NOUN
ejif-10239	112	17	in	in	ADP
ejif-10239	112	18	the	the	DET
ejif-10239	112	19	decisionmaking	decisionmake	VERB
ejif-10239	112	20	process	process	NOUN
ejif-10239	112	21	,	,	PUNCT
ejif-10239	112	22	advantage	advantage	NOUN
ejif-10239	112	23	-	-	PUNCT
ejif-10239	112	24	giving	give	VERB
ejif-10239	112	25	selections	selection	NOUN
ejif-10239	112	26	to	to	ADP
ejif-10239	112	27	the	the	DET
ejif-10239	112	28	users	user	NOUN
ejif-10239	112	29	,	,	PUNCT
ejif-10239	112	30	discrimination	discrimination	NOUN
ejif-10239	112	31	,	,	PUNCT
ejif-10239	112	32	and	and	CCONJ
ejif-10239	112	33	non	non	ADJ
ejif-10239	112	34	-	-	NOUN
ejif-10239	112	35	fairness	fairness	NOUN
ejif-10239	112	36	,	,	PUNCT
ejif-10239	112	37	necessitates	necessitate	VERB
ejif-10239	112	38	a	a	DET
ejif-10239	112	39	comprehensive	comprehensive	ADJ
ejif-10239	112	40	strategy	strategy	NOUN
ejif-10239	112	41	involving	involve	VERB
ejif-10239	112	42	cooperation	cooperation	NOUN
ejif-10239	112	43	among	among	ADP
ejif-10239	112	44	technologists	technologist	NOUN
ejif-10239	112	45	,	,	PUNCT
ejif-10239	112	46	policymakers	policymaker	NOUN
ejif-10239	112	47	,	,	PUNCT
ejif-10239	112	48	ethicists	ethicist	NOUN
ejif-10239	112	49	,	,	PUNCT
ejif-10239	112	50	and	and	CCONJ
ejif-10239	112	51	other	other	ADJ
ejif-10239	112	52	stakeholders	stakeholder	NOUN
ejif-10239	112	53	.	.	PUNCT
ejif-10239	113	1	integrating	integrate	VERB
ejif-10239	113	2	ethical	ethical	ADJ
ejif-10239	113	3	considerations	consideration	NOUN
ejif-10239	113	4	into	into	ADP
ejif-10239	113	5	developing	develop	VERB
ejif-10239	113	6	and	and	CCONJ
ejif-10239	113	7	deploying	deploy	VERB
ejif-10239	113	8	ai	ai	VERB
ejif-10239	113	9	systems	system	NOUN
ejif-10239	113	10	can	can	AUX
ejif-10239	113	11	help	help	VERB
ejif-10239	113	12	guarantee	guarantee	VERB
ejif-10239	113	13	their	their	PRON
ejif-10239	113	14	use	use	NOUN
ejif-10239	113	15	is	be	AUX
ejif-10239	113	16	fair	fair	ADJ
ejif-10239	113	17	,	,	PUNCT
ejif-10239	113	18	transparent	transparent	ADJ
ejif-10239	113	19	,	,	PUNCT
ejif-10239	113	20	and	and	CCONJ
ejif-10239	113	21	accountable	accountable	ADJ
ejif-10239	113	22	.	.	PUNCT
ejif-10239	114	1	the	the	DET
ejif-10239	114	2	accountability	accountability	NOUN
ejif-10239	114	3	process	process	NOUN
ejif-10239	114	4	can	can	AUX
ejif-10239	114	5	occur	occur	VERB
ejif-10239	114	6	accordingly	accordingly	ADV
ejif-10239	114	7	after	after	ADP
ejif-10239	114	8	building	build	VERB
ejif-10239	114	9	a	a	DET
ejif-10239	114	10	standard	standard	ADJ
ejif-10239	114	11	and	and	CCONJ
ejif-10239	114	12	certification	certification	NOUN
ejif-10239	114	13	system	system	NOUN
ejif-10239	114	14	that	that	PRON
ejif-10239	114	15	runs	run	VERB
ejif-10239	114	16	the	the	DET
ejif-10239	114	17	necessary	necessary	ADJ
ejif-10239	114	18	test	test	NOUN
ejif-10239	114	19	on	on	ADP
ejif-10239	114	20	the	the	DET
ejif-10239	114	21	system	system	NOUN
ejif-10239	114	22	before	before	ADP
ejif-10239	114	23	certifying	certify	VERB
ejif-10239	114	24	it	it	PRON
ejif-10239	114	25	as	as	ADP
ejif-10239	114	26	a	a	DET
ejif-10239	114	27	safe	safe	ADJ
ejif-10239	114	28	system	system	NOUN
ejif-10239	114	29	for	for	ADP
ejif-10239	114	30	wide	wide	ADJ
ejif-10239	114	31	use	use	NOUN
ejif-10239	114	32	in	in	ADP
ejif-10239	114	33	the	the	DET
ejif-10239	114	34	financial	financial	ADJ
ejif-10239	114	35	sectors	sector	NOUN
ejif-10239	114	36	(	(	PUNCT
ejif-10239	114	37	henriksen	henriksen	NOUN
ejif-10239	114	38	et	et	PROPN
ejif-10239	114	39	al	al	PROPN
ejif-10239	114	40	.	.	PROPN
ejif-10239	114	41	,	,	PUNCT
ejif-10239	114	42	2021	2021	NUM
ejif-10239	114	43	)	)	PUNCT
ejif-10239	114	44	.	.	PUNCT
ejif-10239	115	1	following	follow	VERB
ejif-10239	115	2	of	of	ADP
ejif-10239	115	3	the	the	DET
ejif-10239	115	4	creation	creation	NOUN
ejif-10239	115	5	of	of	ADP
ejif-10239	115	6	such	such	ADJ
ejif-10239	115	7	grounds	ground	NOUN
ejif-10239	115	8	,	,	PUNCT
ejif-10239	115	9	a	a	DET
ejif-10239	115	10	manual	manual	NOUN
ejif-10239	115	11	of	of	ADP
ejif-10239	115	12	explanation	explanation	NOUN
ejif-10239	115	13	should	should	AUX
ejif-10239	115	14	be	be	AUX
ejif-10239	115	15	designed	design	VERB
ejif-10239	115	16	for	for	ADP
ejif-10239	115	17	the	the	DET
ejif-10239	115	18	users	user	NOUN
ejif-10239	115	19	,	,	PUNCT
ejif-10239	115	20	developers	developer	NOUN
ejif-10239	115	21	,	,	PUNCT
ejif-10239	115	22	policymakers	policymaker	NOUN
ejif-10239	115	23	,	,	PUNCT
ejif-10239	115	24	and	and	CCONJ
ejif-10239	115	25	operators	operator	NOUN
ejif-10239	115	26	;	;	PUNCT
ejif-10239	115	27	this	this	DET
ejif-10239	115	28	manual	manual	NOUN
ejif-10239	115	29	should	should	AUX
ejif-10239	115	30	aim	aim	VERB
ejif-10239	115	31	to	to	PART
ejif-10239	115	32	elaborate	elaborate	VERB
ejif-10239	115	33	the	the	DET
ejif-10239	115	34	system	system	NOUN
ejif-10239	115	35	fairly	fairly	ADV
ejif-10239	115	36	and	and	CCONJ
ejif-10239	115	37	transparently	transparently	ADV
ejif-10239	115	38	by	by	ADP
ejif-10239	115	39	giving	give	VERB
ejif-10239	115	40	clear	clear	ADJ
ejif-10239	115	41	and	and	CCONJ
ejif-10239	115	42	enough	enough	ADJ
ejif-10239	115	43	explanation	explanation	NOUN
ejif-10239	115	44	on	on	ADP
ejif-10239	115	45	every	every	DET
ejif-10239	115	46	step	step	NOUN
ejif-10239	115	47	of	of	ADP
ejif-10239	115	48	the	the	DET
ejif-10239	115	49	system	system	NOUN
ejif-10239	115	50	(	(	PUNCT
ejif-10239	115	51	henriksen	henriksen	NOUN
ejif-10239	115	52	et	et	PROPN
ejif-10239	115	53	al	al	PROPN
ejif-10239	115	54	.	.	PROPN
ejif-10239	115	55	,	,	PUNCT
ejif-10239	115	56	2021	2021	NUM
ejif-10239	115	57	,	,	PUNCT
ejif-10239	115	58	and	and	CCONJ
ejif-10239	115	59	uzougbo	uzougbo	X
ejif-10239	115	60	et	et	PROPN
ejif-10239	115	61	al	al	PROPN
ejif-10239	115	62	.	.	PROPN
ejif-10239	115	63	,	,	PUNCT
ejif-10239	115	64	2024	2024	NUM
ejif-10239	115	65	)	)	PUNCT
ejif-10239	115	66	.	.	PUNCT
ejif-10239	116	1	applying	apply	VERB
ejif-10239	116	2	a	a	DET
ejif-10239	116	3	system	system	NOUN
ejif-10239	116	4	of	of	ADP
ejif-10239	116	5	accountability	accountability	NOUN
ejif-10239	116	6	that	that	PRON
ejif-10239	116	7	includes	include	VERB
ejif-10239	116	8	all	all	DET
ejif-10239	116	9	the	the	DET
ejif-10239	116	10	parties	party	NOUN
ejif-10239	116	11	involved	involve	VERB
ejif-10239	116	12	will	will	AUX
ejif-10239	116	13	result	result	VERB
ejif-10239	116	14	in	in	ADP
ejif-10239	116	15	a	a	DET
ejif-10239	116	16	risk	risk	NOUN
ejif-10239	116	17	-	-	PUNCT
ejif-10239	116	18	mitigating	mitigate	VERB
ejif-10239	116	19	mechanism	mechanism	NOUN
ejif-10239	116	20	.	.	PUNCT
ejif-10239	117	1	2.2	2.2	NUM
ejif-10239	117	2	.	.	PUNCT
ejif-10239	117	3	ripple	ripple	ADJ
ejif-10239	117	4	effects	effect	NOUN
ejif-10239	117	5	and	and	CCONJ
ejif-10239	117	6	chaos	chaos	NOUN
ejif-10239	117	7	theory	theory	NOUN
ejif-10239	117	8	:	:	PUNCT
ejif-10239	117	9	the	the	DET
ejif-10239	117	10	dynamics	dynamic	NOUN
ejif-10239	117	11	of	of	ADP
ejif-10239	117	12	the	the	DET
ejif-10239	117	13	islamic	islamic	ADJ
ejif-10239	117	14	banking	banking	NOUN
ejif-10239	117	15	industry	industry	NOUN
ejif-10239	117	16	“	"	PUNCT
ejif-10239	117	17	when	when	SCONJ
ejif-10239	117	18	delicateness	delicateness	NOUN
ejif-10239	117	19	meets	meet	VERB
ejif-10239	117	20	strength	strength	NOUN
ejif-10239	117	21	”	"	PUNCT
ejif-10239	117	22	,	,	PUNCT
ejif-10239	117	23	the	the	DET
ejif-10239	117	24	latter	latter	ADJ
ejif-10239	117	25	statement	statement	NOUN
ejif-10239	117	26	represents	represent	VERB
ejif-10239	117	27	the	the	DET
ejif-10239	117	28	quintessence	quintessence	NOUN
ejif-10239	117	29	of	of	ADP
ejif-10239	117	30	the	the	DET
ejif-10239	117	31	butterfly	butterfly	NOUN
ejif-10239	117	32	effect	effect	NOUN
ejif-10239	117	33	from	from	ADP
ejif-10239	117	34	a	a	DET
ejif-10239	117	35	financial	financial	ADJ
ejif-10239	117	36	perspective	perspective	NOUN
ejif-10239	117	37	.	.	PUNCT
ejif-10239	118	1	even	even	ADV
ejif-10239	118	2	miniature	miniature	ADJ
ejif-10239	118	3	decisions	decision	NOUN
ejif-10239	118	4	might	might	AUX
ejif-10239	118	5	have	have	VERB
ejif-10239	118	6	profound	profound	ADJ
ejif-10239	118	7	consequences	consequence	NOUN
ejif-10239	118	8	in	in	ADP
ejif-10239	118	9	the	the	DET
ejif-10239	118	10	increasingly	increasingly	ADV
ejif-10239	118	11	interconnected	interconnected	ADJ
ejif-10239	118	12	markets	market	NOUN
ejif-10239	118	13	.	.	PUNCT
ejif-10239	119	1	indeed	indeed	ADV
ejif-10239	119	2	,	,	PUNCT
ejif-10239	119	3	a	a	DET
ejif-10239	119	4	tiny	tiny	ADJ
ejif-10239	119	5	increase	increase	NOUN
ejif-10239	119	6	in	in	ADP
ejif-10239	119	7	interest	interest	NOUN
ejif-10239	119	8	rate	rate	NOUN
ejif-10239	119	9	by	by	ADP
ejif-10239	119	10	the	the	DET
ejif-10239	119	11	central	central	ADJ
ejif-10239	119	12	bank	bank	NOUN
ejif-10239	119	13	can	can	AUX
ejif-10239	119	14	have	have	VERB
ejif-10239	119	15	a	a	DET
ejif-10239	119	16	ripple	ripple	ADJ
ejif-10239	119	17	effect	effect	NOUN
ejif-10239	119	18	on	on	ADP
ejif-10239	119	19	many	many	ADJ
ejif-10239	119	20	fragments	fragment	NOUN
ejif-10239	119	21	of	of	ADP
ejif-10239	119	22	the	the	DET
ejif-10239	119	23	economy	economy	NOUN
ejif-10239	119	24	,	,	PUNCT
ejif-10239	119	25	starting	start	VERB
ejif-10239	119	26	from	from	ADP
ejif-10239	119	27	the	the	DET
ejif-10239	119	28	financial	financial	ADJ
ejif-10239	119	29	and	and	CCONJ
ejif-10239	119	30	banking	banking	NOUN
ejif-10239	119	31	sectors	sector	NOUN
ejif-10239	119	32	to	to	ADP
ejif-10239	119	33	the	the	DET
ejif-10239	119	34	labour	labour	NOUN
ejif-10239	119	35	market	market	NOUN
ejif-10239	119	36	,	,	PUNCT
ejif-10239	119	37	influencing	influence	VERB
ejif-10239	119	38	the	the	DET
ejif-10239	119	39	competitiveness	competitiveness	NOUN
ejif-10239	119	40	with	with	ADP
ejif-10239	119	41	alternative	alternative	ADJ
ejif-10239	119	42	and	and	CCONJ
ejif-10239	119	43	islamic	islamic	ADJ
ejif-10239	119	44	banks	bank	NOUN
ejif-10239	119	45	,	,	PUNCT
ejif-10239	119	46	investment	investment	NOUN
ejif-10239	119	47	proportions	proportion	NOUN
ejif-10239	119	48	,	,	PUNCT
ejif-10239	119	49	business	business	NOUN
ejif-10239	119	50	creation	creation	NOUN
ejif-10239	119	51	,	,	PUNCT
ejif-10239	119	52	job	job	NOUN
ejif-10239	119	53	offers	offer	NOUN
ejif-10239	119	54	,	,	PUNCT
ejif-10239	119	55	employment	employment	NOUN
ejif-10239	119	56	and	and	CCONJ
ejif-10239	119	57	economic	economic	ADJ
ejif-10239	119	58	growth	growth	NOUN
ejif-10239	119	59	(	(	PUNCT
ejif-10239	119	60	murinde	murinde	NOUN
ejif-10239	119	61	,	,	PUNCT
ejif-10239	119	62	1996	1996	NUM
ejif-10239	119	63	;	;	PUNCT
ejif-10239	119	64	murinde	murinde	NOUN
ejif-10239	119	65	&	&	CCONJ
ejif-10239	119	66	ryan	ryan	PROPN
ejif-10239	119	67	,	,	PUNCT
ejif-10239	119	68	2003	2003	NUM
ejif-10239	119	69	;	;	PUNCT
ejif-10239	119	70	pagano	pagano	NOUN
ejif-10239	119	71	,	,	PUNCT
ejif-10239	119	72	1993	1993	NUM
ejif-10239	119	73	)	)	PUNCT
ejif-10239	119	74	.	.	PUNCT
ejif-10239	120	1	this	this	DET
ejif-10239	120	2	magnified	magnify	VERB
ejif-10239	120	3	effect	effect	NOUN
ejif-10239	120	4	,	,	PUNCT
ejif-10239	120	5	famous	famous	ADJ
ejif-10239	120	6	by	by	ADP
ejif-10239	120	7	the	the	DET
ejif-10239	120	8	term	term	NOUN
ejif-10239	120	9	of	of	ADP
ejif-10239	120	10	the	the	DET
ejif-10239	120	11	butterfly	butterfly	NOUN
ejif-10239	120	12	effect	effect	NOUN
ejif-10239	120	13	,	,	PUNCT
ejif-10239	120	14	is	be	AUX
ejif-10239	120	15	part	part	NOUN
ejif-10239	120	16	of	of	ADP
ejif-10239	120	17	the	the	DET
ejif-10239	120	18	chaos	chaos	NOUN
ejif-10239	120	19	theory	theory	NOUN
ejif-10239	120	20	(	(	PUNCT
ejif-10239	120	21	klioutchnikov	klioutchnikov	PROPN
ejif-10239	120	22	et	et	PROPN
ejif-10239	120	23	al	al	PROPN
ejif-10239	120	24	.	.	PROPN
ejif-10239	120	25	,	,	PUNCT
ejif-10239	120	26	2017	2017	NUM
ejif-10239	120	27	)	)	PUNCT
ejif-10239	120	28	.	.	PUNCT
ejif-10239	121	1	chaos	chaos	NOUN
ejif-10239	121	2	theory	theory	NOUN
ejif-10239	121	3	is	be	AUX
ejif-10239	121	4	a	a	DET
ejif-10239	121	5	branch	branch	NOUN
ejif-10239	121	6	of	of	ADP
ejif-10239	121	7	mathematics	mathematic	NOUN
ejif-10239	121	8	that	that	PRON
ejif-10239	121	9	deals	deal	VERB
ejif-10239	121	10	with	with	ADP
ejif-10239	121	11	complicated	complicated	ADJ
ejif-10239	121	12	and	and	CCONJ
ejif-10239	121	13	nonlinear	nonlinear	ADJ
ejif-10239	121	14	systems	system	NOUN
ejif-10239	121	15	that	that	PRON
ejif-10239	121	16	exhibit	exhibit	VERB
ejif-10239	121	17	unexpected	unexpected	ADJ
ejif-10239	121	18	or	or	CCONJ
ejif-10239	121	19	potentially	potentially	ADV
ejif-10239	121	20	unexpected	unexpected	ADJ
ejif-10239	121	21	future	future	ADJ
ejif-10239	121	22	behaviour	behaviour	NOUN
ejif-10239	121	23	.	.	PUNCT
ejif-10239	122	1	according	accord	VERB
ejif-10239	122	2	to	to	ADP
ejif-10239	122	3	biswas	biswas	PROPN
ejif-10239	122	4	et	et	PROPN
ejif-10239	122	5	al	al	PROPN
ejif-10239	122	6	.	.	PROPN
ejif-10239	123	1	(	(	PUNCT
ejif-10239	123	2	2018	2018	NUM
ejif-10239	123	3	)	)	PUNCT
ejif-10239	123	4	,	,	PUNCT
ejif-10239	123	5	chaos	chaos	NOUN
ejif-10239	123	6	theory	theory	NOUN
ejif-10239	123	7	is	be	AUX
ejif-10239	123	8	a	a	DET
ejif-10239	123	9	statistical	statistical	ADJ
ejif-10239	123	10	field	field	NOUN
ejif-10239	123	11	of	of	ADP
ejif-10239	123	12	research	research	NOUN
ejif-10239	123	13	that	that	PRON
ejif-10239	123	14	posits	posit	VERB
ejif-10239	123	15	that	that	SCONJ
ejif-10239	123	16	seemingly	seemingly	ADV
ejif-10239	123	17	arbitrary	arbitrary	ADJ
ejif-10239	123	18	nonlinear	nonlinear	ADJ
ejif-10239	123	19	animated	animate	VERB
ejif-10239	123	20	systems	system	NOUN
ejif-10239	123	21	are	be	AUX
ejif-10239	123	22	predicted	predict	VERB
ejif-10239	123	23	from	from	ADP
ejif-10239	123	24	a	a	DET
ejif-10239	123	25	small	small	ADJ
ejif-10239	123	26	number	number	NOUN
ejif-10239	123	27	of	of	ADP
ejif-10239	123	28	simple	simple	ADJ
ejif-10239	123	29	equations	equation	NOUN
ejif-10239	123	30	.	.	PUNCT
ejif-10239	124	1	according	accord	VERB
ejif-10239	124	2	to	to	ADP
ejif-10239	124	3	devaney	devaney	PROPN
ejif-10239	124	4	and	and	CCONJ
ejif-10239	124	5	alligood	alligood	PROPN
ejif-10239	124	6	(	(	PUNCT
ejif-10239	124	7	1989	1989	NUM
ejif-10239	124	8	)	)	PUNCT
ejif-10239	124	9	,	,	PUNCT
ejif-10239	124	10	a	a	DET
ejif-10239	124	11	minor	minor	ADJ
ejif-10239	124	12	modification	modification	NOUN
ejif-10239	124	13	can	can	AUX
ejif-10239	124	14	have	have	VERB
ejif-10239	124	15	a	a	DET
ejif-10239	124	16	large	large	ADJ
ejif-10239	124	17	impact	impact	NOUN
ejif-10239	124	18	.	.	PUNCT
ejif-10239	125	1	chaos	chaos	NOUN
ejif-10239	125	2	theory	theory	NOUN
ejif-10239	125	3	argues	argue	VERB
ejif-10239	125	4	that	that	SCONJ
ejif-10239	125	5	even	even	ADV
ejif-10239	125	6	deterministic	deterministic	ADJ
ejif-10239	125	7	systems	system	NOUN
ejif-10239	125	8	governed	govern	VERB
ejif-10239	125	9	by	by	ADP
ejif-10239	125	10	known	know	VERB
ejif-10239	125	11	rules	rule	NOUN
ejif-10239	125	12	and	and	CCONJ
ejif-10239	125	13	equations	equation	NOUN
ejif-10239	125	14	can	can	AUX
ejif-10239	125	15	lead	lead	VERB
ejif-10239	125	16	to	to	ADP
ejif-10239	125	17	extremely	extremely	ADV
ejif-10239	125	18	unexpected	unexpected	ADJ
ejif-10239	125	19	results	result	NOUN
ejif-10239	125	20	over	over	ADP
ejif-10239	125	21	time	time	NOUN
ejif-10239	125	22	.	.	PUNCT
ejif-10239	126	1	this	this	DET
ejif-10239	126	2	notion	notion	NOUN
ejif-10239	126	3	has	have	VERB
ejif-10239	126	4	applications	application	NOUN
ejif-10239	126	5	in	in	ADP
ejif-10239	126	6	various	various	ADJ
ejif-10239	126	7	domains	domain	NOUN
ejif-10239	126	8	,	,	PUNCT
ejif-10239	126	9	including	include	VERB
ejif-10239	126	10	physics	physics	NOUN
ejif-10239	126	11	,	,	PUNCT
ejif-10239	126	12	biology	biology	NOUN
ejif-10239	126	13	,	,	PUNCT
ejif-10239	126	14	weather	weather	NOUN
ejif-10239	126	15	forecasting	forecasting	NOUN
ejif-10239	126	16	,	,	PUNCT
ejif-10239	126	17	and	and	CCONJ
ejif-10239	126	18	economics	economic	NOUN
ejif-10239	126	19	(	(	PUNCT
ejif-10239	126	20	klioutchnikov	klioutchnikov	PROPN
ejif-10239	126	21	et	et	PROPN
ejif-10239	126	22	al	al	PROPN
ejif-10239	126	23	.	.	PROPN
ejif-10239	126	24	,	,	PUNCT
ejif-10239	126	25	2017	2017	NUM
ejif-10239	126	26	)	)	PUNCT
ejif-10239	126	27	.	.	PUNCT
ejif-10239	127	1	chaos	chaos	NOUN
ejif-10239	127	2	theory	theory	NOUN
ejif-10239	127	3	has	have	AUX
ejif-10239	127	4	been	be	AUX
ejif-10239	127	5	applied	apply	VERB
ejif-10239	127	6	in	in	ADP
ejif-10239	127	7	the	the	DET
ejif-10239	127	8	financial	financial	ADJ
ejif-10239	127	9	sector	sector	NOUN
ejif-10239	127	10	to	to	PART
ejif-10239	127	11	understand	understand	VERB
ejif-10239	127	12	market	market	NOUN
ejif-10239	127	13	behaviour	behaviour	NOUN
ejif-10239	127	14	and	and	CCONJ
ejif-10239	127	15	price	price	NOUN
ejif-10239	127	16	movements	movement	NOUN
ejif-10239	127	17	,	,	PUNCT
ejif-10239	127	18	most	most	ADV
ejif-10239	127	19	notably	notably	ADV
ejif-10239	127	20	in	in	ADP
ejif-10239	127	21	the	the	DET
ejif-10239	127	22	stock	stock	NOUN
ejif-10239	127	23	market	market	NOUN
ejif-10239	127	24	and	and	CCONJ
ejif-10239	127	25	banking	banking	NOUN
ejif-10239	127	26	setting	setting	NOUN
ejif-10239	127	27	.	.	PUNCT
ejif-10239	128	1	the	the	DET
ejif-10239	128	2	complexity	complexity	NOUN
ejif-10239	128	3	of	of	ADP
ejif-10239	128	4	the	the	DET
ejif-10239	128	5	system	system	NOUN
ejif-10239	128	6	and	and	CCONJ
ejif-10239	128	7	the	the	DET
ejif-10239	128	8	multitude	multitude	NOUN
ejif-10239	128	9	of	of	ADP
ejif-10239	128	10	parties	party	NOUN
ejif-10239	128	11	in	in	ADP
ejif-10239	128	12	the	the	DET
ejif-10239	128	13	banking	banking	NOUN
ejif-10239	128	14	sector	sector	NOUN
ejif-10239	128	15	raise	raise	VERB
ejif-10239	128	16	the	the	DET
ejif-10239	128	17	unpredictability	unpredictability	NOUN
ejif-10239	128	18	of	of	ADP
ejif-10239	128	19	the	the	DET
ejif-10239	128	20	system	system	NOUN
ejif-10239	128	21	and	and	CCONJ
ejif-10239	128	22	its	its	PRON
ejif-10239	128	23	consequences	consequence	NOUN
ejif-10239	128	24	(	(	PUNCT
ejif-10239	128	25	klioutchnikov	klioutchnikov	PROPN
ejif-10239	128	26	et	et	PROPN
ejif-10239	128	27	al	al	PROPN
ejif-10239	128	28	.	.	PROPN
ejif-10239	128	29	,	,	PUNCT
ejif-10239	128	30	2017	2017	NUM
ejif-10239	128	31	;	;	PUNCT
ejif-10239	128	32	murinde	murinde	NOUN
ejif-10239	128	33	,	,	PUNCT
ejif-10239	128	34	1996	1996	NUM
ejif-10239	128	35	)	)	PUNCT
ejif-10239	128	36	.	.	PUNCT
ejif-10239	129	1	furthermore	furthermore	ADV
ejif-10239	129	2	,	,	PUNCT
ejif-10239	129	3	the	the	DET
ejif-10239	129	4	shift	shift	NOUN
ejif-10239	129	5	in	in	ADP
ejif-10239	129	6	the	the	DET
ejif-10239	129	7	operational	operational	ADJ
ejif-10239	129	8	and	and	CCONJ
ejif-10239	129	9	regulatory	regulatory	ADJ
ejif-10239	129	10	environment	environment	NOUN
ejif-10239	129	11	(	(	PUNCT
ejif-10239	129	12	khambata	khambata	NOUN
ejif-10239	129	13	,	,	PUNCT
ejif-10239	129	14	2000	2000	NUM
ejif-10239	129	15	)	)	PUNCT
ejif-10239	129	16	,	,	PUNCT
ejif-10239	129	17	based	base	VERB
ejif-10239	129	18	on	on	ADP
ejif-10239	129	19	market	market	NOUN
ejif-10239	129	20	expectations	expectation	NOUN
ejif-10239	129	21	and	and	CCONJ
ejif-10239	129	22	projections	projection	NOUN
ejif-10239	129	23	,	,	PUNCT
ejif-10239	129	24	is	be	AUX
ejif-10239	129	25	producing	produce	VERB
ejif-10239	129	26	additional	additional	ADJ
ejif-10239	129	27	upheaval	upheaval	NOUN
ejif-10239	129	28	.	.	PUNCT
ejif-10239	130	1	as	as	ADP
ejif-10239	130	2	a	a	DET
ejif-10239	130	3	result	result	NOUN
ejif-10239	130	4	,	,	PUNCT
ejif-10239	130	5	every	every	DET
ejif-10239	130	6	micro	micro	NOUN
ejif-10239	130	7	-	-	NOUN
ejif-10239	130	8	event	event	NOUN
ejif-10239	130	9	in	in	ADP
ejif-10239	130	10	the	the	DET
ejif-10239	130	11	market	market	NOUN
ejif-10239	130	12	,	,	PUNCT
ejif-10239	130	13	capital	capital	NOUN
ejif-10239	130	14	market	market	NOUN
ejif-10239	130	15	,	,	PUNCT
ejif-10239	130	16	regulation	regulation	NOUN
ejif-10239	130	17	,	,	PUNCT
ejif-10239	130	18	systemic	systemic	ADJ
ejif-10239	130	19	operations	operation	NOUN
ejif-10239	130	20	,	,	PUNCT
ejif-10239	130	21	systems	system	NOUN
ejif-10239	130	22	,	,	PUNCT
ejif-10239	130	23	or	or	CCONJ
ejif-10239	130	24	any	any	DET
ejif-10239	130	25	other	other	ADJ
ejif-10239	130	26	relevant	relevant	ADJ
ejif-10239	130	27	subject	subject	NOUN
ejif-10239	130	28	might	might	AUX
ejif-10239	130	29	result	result	VERB
ejif-10239	130	30	in	in	ADP
ejif-10239	130	31	cascading	cascade	VERB
ejif-10239	130	32	effects	effect	NOUN
ejif-10239	130	33	and	and	CCONJ
ejif-10239	130	34	rapid	rapid	ADJ
ejif-10239	130	35	market	market	NOUN
ejif-10239	130	36	shifts	shift	NOUN
ejif-10239	130	37	.	.	PUNCT
ejif-10239	131	1	due	due	ADP
ejif-10239	131	2	to	to	ADP
ejif-10239	131	3	the	the	DET
ejif-10239	131	4	complexity	complexity	NOUN
ejif-10239	131	5	of	of	ADP
ejif-10239	131	6	the	the	DET
ejif-10239	131	7	economic	economic	ADJ
ejif-10239	131	8	systems	system	NOUN
ejif-10239	131	9	and	and	CCONJ
ejif-10239	131	10	globalization	globalization	NOUN
ejif-10239	131	11	,	,	PUNCT
ejif-10239	131	12	the	the	DET
ejif-10239	131	13	chaos	chaos	NOUN
ejif-10239	131	14	theory	theory	NOUN
ejif-10239	131	15	,	,	PUNCT
ejif-10239	131	16	from	from	ADP
ejif-10239	131	17	the	the	DET
ejif-10239	131	18	point	point	NOUN
ejif-10239	131	19	of	of	ADP
ejif-10239	131	20	view	view	NOUN
ejif-10239	131	21	of	of	ADP
ejif-10239	131	22	manageability	manageability	NOUN
ejif-10239	131	23	and	and	CCONJ
ejif-10239	131	24	determinateness	determinateness	NOUN
ejif-10239	131	25	,	,	PUNCT
ejif-10239	131	26	proved	prove	VERB
ejif-10239	131	27	to	to	PART
ejif-10239	131	28	be	be	AUX
ejif-10239	131	29	an	an	DET
ejif-10239	131	30	efficient	efficient	ADJ
ejif-10239	131	31	theory	theory	NOUN
ejif-10239	131	32	that	that	PRON
ejif-10239	131	33	permits	permit	VERB
ejif-10239	131	34	taking	take	VERB
ejif-10239	131	35	all	all	DET
ejif-10239	131	36	the	the	DET
ejif-10239	131	37	correlated	correlate	VERB
ejif-10239	131	38	fragments	fragment	NOUN
ejif-10239	131	39	of	of	ADP
ejif-10239	131	40	the	the	DET
ejif-10239	131	41	economy	economy	NOUN
ejif-10239	131	42	into	into	ADP
ejif-10239	131	43	consideration	consideration	NOUN
ejif-10239	131	44	.	.	PUNCT
ejif-10239	132	1	debnath	debnath	NOUN
ejif-10239	132	2	(	(	PUNCT
ejif-10239	132	3	2022	2022	NUM
ejif-10239	132	4	)	)	PUNCT
ejif-10239	132	5	demonstrated	demonstrate	VERB
ejif-10239	132	6	that	that	SCONJ
ejif-10239	132	7	pure	pure	ADJ
ejif-10239	132	8	deterministic	deterministic	ADJ
ejif-10239	132	9	models	model	NOUN
ejif-10239	132	10	are	be	AUX
ejif-10239	132	11	unlikely	unlikely	ADJ
ejif-10239	132	12	to	to	PART
ejif-10239	132	13	produce	produce	VERB
ejif-10239	132	14	realistic	realistic	ADJ
ejif-10239	132	15	data	datum	NOUN
ejif-10239	132	16	forecasts	forecast	NOUN
ejif-10239	132	17	because	because	SCONJ
ejif-10239	132	18	monetary	monetary	ADJ
ejif-10239	132	19	and	and	CCONJ
ejif-10239	132	20	financial	financial	ADJ
ejif-10239	132	21	systems	system	NOUN
ejif-10239	132	22	are	be	AUX
ejif-10239	132	23	unpredictable	unpredictable	ADJ
ejif-10239	132	24	due	due	ADP
ejif-10239	132	25	to	to	ADP
ejif-10239	132	26	human	human	ADJ
ejif-10239	132	27	interactions	interaction	NOUN
ejif-10239	132	28	.	.	PUNCT
ejif-10239	133	1	at	at	ADP
ejif-10239	133	2	the	the	DET
ejif-10239	133	3	same	same	ADJ
ejif-10239	133	4	time	time	NOUN
ejif-10239	133	5	,	,	PUNCT
ejif-10239	133	6	chaos	chaos	NOUN
ejif-10239	133	7	theory	theory	NOUN
ejif-10239	133	8	may	may	AUX
ejif-10239	133	9	play	play	VERB
ejif-10239	133	10	european	european	PROPN
ejif-10239	133	11	journal	journal	PROPN
ejif-10239	133	12	of	of	ADP
ejif-10239	133	13	islamic	islamic	PROPN
ejif-10239	133	14	finance	finance	PROPN
ejif-10239	133	15	issn	issn	PROPN
ejif-10239	133	16	:	:	PUNCT
ejif-10239	133	17	2421	2421	NUM
ejif-10239	133	18	-	-	SYM
ejif-10239	133	19	2172	2172	NUM
ejif-10239	133	20	doi	doi	NOUN
ejif-10239	133	21	:	:	PUNCT
ejif-10239	133	22	10.13135/2421	10.13135/2421	NUM
ejif-10239	133	23	-	-	SYM
ejif-10239	133	24	2172/10239	2172/10239	NUM
ejif-10239	133	25	published	publish	VERB
ejif-10239	133	26	by	by	ADP
ejif-10239	133	27	university	university	PROPN
ejif-10239	133	28	of	of	ADP
ejif-10239	133	29	turin	turin	PROPN
ejif-10239	134	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	134	2	ejif	ejif	PROPN
ejif-10239	134	3	content	content	NOUN
ejif-10239	134	4	is	be	AUX
ejif-10239	134	5	licensed	license	VERB
ejif-10239	134	6	under	under	ADP
ejif-10239	134	7	a	a	DET
ejif-10239	134	8	creative	creative	ADJ
ejif-10239	134	9	commons	common	NOUN
ejif-10239	134	10	attribution	attribution	NOUN
ejif-10239	134	11	4.0	4.0	NUM
ejif-10239	134	12	international	international	ADJ
ejif-10239	134	13	license	license	NOUN
ejif-10239	134	14	41	41	NUM
ejif-10239	134	15	an	an	DET
ejif-10239	134	16	important	important	ADJ
ejif-10239	134	17	role	role	NOUN
ejif-10239	134	18	in	in	ADP
ejif-10239	134	19	developing	develop	VERB
ejif-10239	134	20	models	model	NOUN
ejif-10239	134	21	of	of	ADP
ejif-10239	134	22	how	how	SCONJ
ejif-10239	134	23	economies	economy	NOUN
ejif-10239	134	24	run	run	VERB
ejif-10239	134	25	and	and	CCONJ
ejif-10239	134	26	adding	add	VERB
ejif-10239	134	27	unpredictable	unpredictable	ADJ
ejif-10239	134	28	events	event	NOUN
ejif-10239	134	29	caused	cause	VERB
ejif-10239	134	30	by	by	ADP
ejif-10239	134	31	external	external	ADJ
ejif-10239	134	32	occurrences	occurrence	NOUN
ejif-10239	134	33	such	such	ADJ
ejif-10239	134	34	as	as	ADP
ejif-10239	134	35	covid-19	covid-19	PROPN
ejif-10239	134	36	(	(	PUNCT
ejif-10239	134	37	spulbar	spulbar	NOUN
ejif-10239	134	38	and	and	CCONJ
ejif-10239	134	39	minea	minea	NOUN
ejif-10239	134	40	,	,	PUNCT
ejif-10239	134	41	2020	2020	NUM
ejif-10239	134	42	)	)	PUNCT
ejif-10239	134	43	.	.	PUNCT
ejif-10239	135	1	using	use	VERB
ejif-10239	135	2	this	this	DET
ejif-10239	135	3	theory	theory	NOUN
ejif-10239	135	4	in	in	ADP
ejif-10239	135	5	finance	finance	NOUN
ejif-10239	135	6	aids	aid	NOUN
ejif-10239	135	7	in	in	ADP
ejif-10239	135	8	spotting	spot	VERB
ejif-10239	135	9	irregular	irregular	ADJ
ejif-10239	135	10	nonlinear	nonlinear	ADJ
ejif-10239	135	11	behaviour	behaviour	NOUN
ejif-10239	135	12	caused	cause	VERB
ejif-10239	135	13	by	by	ADP
ejif-10239	135	14	new	new	ADJ
ejif-10239	135	15	emergencies	emergency	NOUN
ejif-10239	135	16	(	(	PUNCT
ejif-10239	135	17	such	such	ADJ
ejif-10239	135	18	as	as	ADP
ejif-10239	135	19	technology	technology	NOUN
ejif-10239	135	20	)	)	PUNCT
ejif-10239	135	21	or	or	CCONJ
ejif-10239	135	22	a	a	DET
ejif-10239	135	23	shift	shift	NOUN
ejif-10239	135	24	in	in	ADP
ejif-10239	135	25	goals	goal	NOUN
ejif-10239	135	26	,	,	PUNCT
ejif-10239	135	27	such	such	ADJ
ejif-10239	135	28	as	as	ADP
ejif-10239	135	29	from	from	ADP
ejif-10239	135	30	efficient	efficient	ADJ
ejif-10239	135	31	to	to	ADP
ejif-10239	135	32	moral	moral	ADJ
ejif-10239	135	33	(	(	PUNCT
ejif-10239	135	34	debnath	debnath	NOUN
ejif-10239	135	35	,	,	PUNCT
ejif-10239	135	36	2022	2022	NUM
ejif-10239	135	37	)	)	PUNCT
ejif-10239	135	38	.	.	PUNCT
ejif-10239	136	1	thinking	think	VERB
ejif-10239	136	2	of	of	ADP
ejif-10239	136	3	an	an	DET
ejif-10239	136	4	islamic	islamic	PROPN
ejif-10239	136	5	bank	bank	PROPN
ejif-10239	136	6	as	as	ADP
ejif-10239	136	7	a	a	DET
ejif-10239	136	8	centre	centre	NOUN
ejif-10239	136	9	of	of	ADP
ejif-10239	136	10	chaos	chaos	NOUN
ejif-10239	136	11	theory	theory	NOUN
ejif-10239	136	12	,	,	PUNCT
ejif-10239	136	13	conceptualising	conceptualise	VERB
ejif-10239	136	14	a	a	DET
ejif-10239	136	15	possible	possible	ADJ
ejif-10239	136	16	articulation	articulation	NOUN
ejif-10239	136	17	of	of	ADP
ejif-10239	136	18	the	the	DET
ejif-10239	136	19	chaos	chaos	NOUN
ejif-10239	136	20	theory	theory	NOUN
ejif-10239	136	21	and	and	CCONJ
ejif-10239	136	22	involving	involve	VERB
ejif-10239	136	23	a	a	DET
ejif-10239	136	24	butterfly	butterfly	NOUN
ejif-10239	136	25	effect	effect	NOUN
ejif-10239	136	26	in	in	ADP
ejif-10239	136	27	the	the	DET
ejif-10239	136	28	market	market	NOUN
ejif-10239	136	29	,	,	PUNCT
ejif-10239	136	30	the	the	DET
ejif-10239	136	31	following	follow	VERB
ejif-10239	136	32	figure	figure	NOUN
ejif-10239	136	33	can	can	AUX
ejif-10239	136	34	be	be	AUX
ejif-10239	136	35	proposed	propose	VERB
ejif-10239	136	36	:	:	PUNCT
ejif-10239	136	37	expecting	expect	VERB
ejif-10239	136	38	the	the	DET
ejif-10239	136	39	unexpected	unexpected	ADJ
ejif-10239	136	40	is	be	AUX
ejif-10239	136	41	at	at	ADP
ejif-10239	136	42	the	the	DET
ejif-10239	136	43	heart	heart	NOUN
ejif-10239	136	44	of	of	ADP
ejif-10239	136	45	the	the	DET
ejif-10239	136	46	chaos	chaos	NOUN
ejif-10239	136	47	theory	theory	NOUN
ejif-10239	136	48	,	,	PUNCT
ejif-10239	136	49	taking	take	VERB
ejif-10239	136	50	the	the	DET
ejif-10239	136	51	islamic	islamic	PROPN
ejif-10239	136	52	bank	bank	PROPN
ejif-10239	136	53	system	system	NOUN
ejif-10239	136	54	,	,	PUNCT
ejif-10239	136	55	which	which	PRON
ejif-10239	136	56	operates	operate	VERB
ejif-10239	136	57	within	within	ADP
ejif-10239	136	58	an	an	DET
ejif-10239	136	59	uncertain	uncertain	ADJ
ejif-10239	136	60	environment	environment	NOUN
ejif-10239	136	61	known	know	VERB
ejif-10239	136	62	as	as	ADP
ejif-10239	136	63	the	the	DET
ejif-10239	136	64	market	market	NOUN
ejif-10239	136	65	.	.	PUNCT
ejif-10239	137	1	the	the	DET
ejif-10239	137	2	market	market	NOUN
ejif-10239	137	3	has	have	VERB
ejif-10239	137	4	many	many	ADJ
ejif-10239	137	5	other	other	ADJ
ejif-10239	137	6	players	player	NOUN
ejif-10239	137	7	that	that	PRON
ejif-10239	137	8	may	may	AUX
ejif-10239	137	9	influence	influence	VERB
ejif-10239	137	10	the	the	DET
ejif-10239	137	11	ib	ib	NOUN
ejif-10239	137	12	of	of	ADP
ejif-10239	137	13	interest	interest	NOUN
ejif-10239	137	14	.	.	PUNCT
ejif-10239	138	1	the	the	DET
ejif-10239	138	2	ib	ib	NOUN
ejif-10239	138	3	may	may	AUX
ejif-10239	138	4	have	have	VERB
ejif-10239	138	5	different	different	ADJ
ejif-10239	138	6	approaches	approach	NOUN
ejif-10239	138	7	to	to	ADP
ejif-10239	138	8	its	its	PRON
ejif-10239	138	9	operational	operational	ADJ
ejif-10239	138	10	methodologies	methodology	NOUN
ejif-10239	138	11	based	base	VERB
ejif-10239	138	12	on	on	ADP
ejif-10239	138	13	different	different	ADJ
ejif-10239	138	14	elements	element	NOUN
ejif-10239	138	15	,	,	PUNCT
ejif-10239	138	16	such	such	ADJ
ejif-10239	138	17	as	as	ADP
ejif-10239	138	18	its	its	PRON
ejif-10239	138	19	own	own	ADJ
ejif-10239	138	20	characteristics	characteristic	NOUN
ejif-10239	138	21	and	and	CCONJ
ejif-10239	138	22	internal	internal	ADJ
ejif-10239	138	23	variables	variable	NOUN
ejif-10239	138	24	,	,	PUNCT
ejif-10239	138	25	the	the	DET
ejif-10239	138	26	interactions	interaction	NOUN
ejif-10239	138	27	with	with	ADP
ejif-10239	138	28	other	other	ADJ
ejif-10239	138	29	banks	bank	NOUN
ejif-10239	138	30	and	and	CCONJ
ejif-10239	138	31	financial	financial	ADJ
ejif-10239	138	32	institutions	institution	NOUN
ejif-10239	138	33	,	,	PUNCT
ejif-10239	138	34	the	the	DET
ejif-10239	138	35	market	market	NOUN
ejif-10239	138	36	metrics	metric	NOUN
ejif-10239	138	37	,	,	PUNCT
ejif-10239	138	38	etc	etc	X
ejif-10239	138	39	..	..	X
ejif-10239	138	40	(	(	PUNCT
ejif-10239	138	41	klioutchnikov	klioutchnikov	PROPN
ejif-10239	138	42	et	et	PROPN
ejif-10239	138	43	al	al	PROPN
ejif-10239	138	44	.	.	PROPN
ejif-10239	138	45	,	,	PUNCT
ejif-10239	138	46	2017	2017	NUM
ejif-10239	138	47	;	;	PUNCT
ejif-10239	138	48	mandelbrot	mandelbrot	PROPN
ejif-10239	138	49	&	&	CCONJ
ejif-10239	138	50	richard	richard	PROPN
ejif-10239	138	51	,	,	PUNCT
ejif-10239	138	52	2004	2004	NUM
ejif-10239	138	53	)	)	PUNCT
ejif-10239	138	54	.	.	PUNCT
ejif-10239	139	1	considering	consider	VERB
ejif-10239	139	2	its	its	PRON
ejif-10239	139	3	position	position	NOUN
ejif-10239	139	4	in	in	ADP
ejif-10239	139	5	the	the	DET
ejif-10239	139	6	market	market	NOUN
ejif-10239	139	7	,	,	PUNCT
ejif-10239	139	8	the	the	DET
ejif-10239	139	9	islamic	islamic	PROPN
ejif-10239	139	10	bank	bank	PROPN
ejif-10239	139	11	's	's	PART
ejif-10239	139	12	initial	initial	ADJ
ejif-10239	139	13	condition	condition	NOUN
ejif-10239	139	14	is	be	AUX
ejif-10239	139	15	sensitive	sensitive	ADJ
ejif-10239	139	16	to	to	ADP
ejif-10239	139	17	the	the	DET
ejif-10239	139	18	variables	variable	NOUN
ejif-10239	139	19	that	that	PRON
ejif-10239	139	20	might	might	AUX
ejif-10239	139	21	influence	influence	VERB
ejif-10239	139	22	the	the	DET
ejif-10239	139	23	bank	bank	NOUN
ejif-10239	139	24	’s	’s	PART
ejif-10239	139	25	decisions	decision	NOUN
ejif-10239	139	26	and	and	CCONJ
ejif-10239	139	27	operations	operation	NOUN
ejif-10239	139	28	and	and	CCONJ
ejif-10239	139	29	,	,	PUNCT
ejif-10239	139	30	therefore	therefore	ADV
ejif-10239	139	31	,	,	PUNCT
ejif-10239	139	32	its	its	PRON
ejif-10239	139	33	new	new	ADJ
ejif-10239	139	34	or	or	CCONJ
ejif-10239	139	35	unexpected	unexpected	ADJ
ejif-10239	139	36	position	position	NOUN
ejif-10239	139	37	in	in	ADP
ejif-10239	139	38	the	the	DET
ejif-10239	139	39	market	market	NOUN
ejif-10239	139	40	.	.	PUNCT
ejif-10239	140	1	considering	consider	VERB
ejif-10239	140	2	the	the	DET
ejif-10239	140	3	random	random	ADJ
ejif-10239	140	4	characteristics	characteristic	NOUN
ejif-10239	140	5	of	of	ADP
ejif-10239	140	6	some	some	DET
ejif-10239	140	7	elements	element	NOUN
ejif-10239	140	8	of	of	ADP
ejif-10239	140	9	the	the	DET
ejif-10239	140	10	markets	market	NOUN
ejif-10239	140	11	and	and	CCONJ
ejif-10239	140	12	the	the	DET
ejif-10239	140	13	essence	essence	NOUN
ejif-10239	140	14	of	of	ADP
ejif-10239	140	15	chaos	chaos	NOUN
ejif-10239	140	16	and	and	CCONJ
ejif-10239	140	17	order	order	NOUN
ejif-10239	140	18	,	,	PUNCT
ejif-10239	140	19	the	the	DET
ejif-10239	140	20	ib	ib	NOUN
ejif-10239	140	21	system	system	NOUN
ejif-10239	140	22	can	can	AUX
ejif-10239	140	23	go	go	VERB
ejif-10239	140	24	through	through	ADP
ejif-10239	140	25	chaos	chaos	NOUN
ejif-10239	140	26	and	and	CCONJ
ejif-10239	140	27	order	order	NOUN
ejif-10239	140	28	in	in	ADP
ejif-10239	140	29	many	many	ADJ
ejif-10239	140	30	cycles	cycle	NOUN
ejif-10239	140	31	.	.	PUNCT
ejif-10239	141	1	the	the	DET
ejif-10239	141	2	theoretical	theoretical	ADJ
ejif-10239	141	3	foundation	foundation	NOUN
ejif-10239	141	4	is	be	AUX
ejif-10239	141	5	summarized	summarize	VERB
ejif-10239	141	6	in	in	ADP
ejif-10239	141	7	the	the	DET
ejif-10239	141	8	following	follow	VERB
ejif-10239	141	9	figure	figure	NOUN
ejif-10239	141	10	1	1	NUM
ejif-10239	141	11	.	.	PUNCT
ejif-10239	142	1	figure	figure	NOUN
ejif-10239	142	2	1	1	NUM
ejif-10239	142	3	.	.	PUNCT
ejif-10239	143	1	foundation	foundation	NOUN
ejif-10239	143	2	of	of	ADP
ejif-10239	143	3	the	the	DET
ejif-10239	143	4	financial	financial	ADJ
ejif-10239	143	5	chaos	chaos	NOUN
ejif-10239	143	6	:	:	PUNCT
ejif-10239	143	7	looking	look	VERB
ejif-10239	143	8	into	into	ADP
ejif-10239	143	9	an	an	DET
ejif-10239	143	10	islamic	islamic	ADJ
ejif-10239	143	11	banking	banking	NOUN
ejif-10239	143	12	system	system	NOUN
ejif-10239	143	13	source	source	NOUN
ejif-10239	143	14	:	:	PUNCT
ejif-10239	143	15	by	by	ADP
ejif-10239	143	16	the	the	DET
ejif-10239	143	17	author	author	NOUN
ejif-10239	143	18	based	base	VERB
ejif-10239	143	19	on	on	ADP
ejif-10239	143	20	klioutchnikov	klioutchnikov	PROPN
ejif-10239	143	21	et	et	PROPN
ejif-10239	143	22	al	al	PROPN
ejif-10239	143	23	.	.	PROPN
ejif-10239	144	1	(	(	PUNCT
ejif-10239	144	2	2017	2017	NUM
ejif-10239	144	3	)	)	PUNCT
ejif-10239	144	4	2.2	2.2	NUM
ejif-10239	144	5	.	.	PUNCT
ejif-10239	144	6	unlocking	unlock	VERB
ejif-10239	144	7	the	the	DET
ejif-10239	144	8	islamic	islamic	ADJ
ejif-10239	144	9	banking	banking	NOUN
ejif-10239	144	10	industry	industry	NOUN
ejif-10239	144	11	in	in	ADP
ejif-10239	144	12	a	a	DET
ejif-10239	144	13	post	post	ADJ
ejif-10239	144	14	-	-	ADJ
ejif-10239	144	15	pandemic	pandemic	ADJ
ejif-10239	144	16	era	era	NOUN
ejif-10239	144	17	:	:	PUNCT
ejif-10239	144	18	evidence	evidence	NOUN
ejif-10239	144	19	from	from	ADP
ejif-10239	144	20	fintech	fintech	NOUN
ejif-10239	144	21	adoption	adoption	NOUN
ejif-10239	144	22	:	:	PUNCT
ejif-10239	144	23	the	the	DET
ejif-10239	144	24	use	use	NOUN
ejif-10239	144	25	of	of	ADP
ejif-10239	144	26	technology	technology	NOUN
ejif-10239	144	27	in	in	ADP
ejif-10239	144	28	the	the	DET
ejif-10239	144	29	finance	finance	NOUN
ejif-10239	144	30	and	and	CCONJ
ejif-10239	144	31	banking	banking	NOUN
ejif-10239	144	32	sectors	sector	NOUN
ejif-10239	144	33	has	have	AUX
ejif-10239	144	34	developed	develop	VERB
ejif-10239	144	35	a	a	DET
ejif-10239	144	36	sense	sense	NOUN
ejif-10239	144	37	of	of	ADP
ejif-10239	144	38	competition	competition	NOUN
ejif-10239	144	39	between	between	ADP
ejif-10239	144	40	different	different	ADJ
ejif-10239	144	41	institutions	institution	NOUN
ejif-10239	144	42	.	.	PUNCT
ejif-10239	145	1	the	the	DET
ejif-10239	145	2	institution	institution	NOUN
ejif-10239	145	3	that	that	PRON
ejif-10239	145	4	offers	offer	VERB
ejif-10239	145	5	its	its	PRON
ejif-10239	145	6	clients	client	NOUN
ejif-10239	145	7	a	a	DET
ejif-10239	145	8	great	great	ADJ
ejif-10239	145	9	experience	experience	NOUN
ejif-10239	145	10	and	and	CCONJ
ejif-10239	145	11	relies	rely	VERB
ejif-10239	145	12	on	on	ADP
ejif-10239	145	13	cost	cost	NOUN
ejif-10239	145	14	-	-	PUNCT
ejif-10239	145	15	efficiency	efficiency	NOUN
ejif-10239	145	16	,	,	PUNCT
ejif-10239	145	17	speed	speed	NOUN
ejif-10239	145	18	,	,	PUNCT
ejif-10239	145	19	and	and	CCONJ
ejif-10239	145	20	competitive	competitive	ADJ
ejif-10239	145	21	advantages	advantage	NOUN
ejif-10239	145	22	most	most	ADJ
ejif-10239	145	23	likes	like	VERB
ejif-10239	145	24	to	to	PART
ejif-10239	145	25	be	be	AUX
ejif-10239	145	26	the	the	DET
ejif-10239	145	27	most	most	ADV
ejif-10239	145	28	popular	popular	ADJ
ejif-10239	145	29	and	and	CCONJ
ejif-10239	145	30	have	have	VERB
ejif-10239	145	31	more	more	ADJ
ejif-10239	145	32	clients	client	NOUN
ejif-10239	145	33	.	.	PUNCT
ejif-10239	146	1	the	the	DET
ejif-10239	146	2	emergence	emergence	NOUN
ejif-10239	146	3	of	of	ADP
ejif-10239	146	4	technology	technology	NOUN
ejif-10239	146	5	will	will	AUX
ejif-10239	146	6	most	most	ADV
ejif-10239	146	7	probably	probably	ADV
ejif-10239	146	8	force	force	VERB
ejif-10239	146	9	the	the	DET
ejif-10239	146	10	banking	banking	NOUN
ejif-10239	146	11	sector	sector	NOUN
ejif-10239	146	12	to	to	PART
ejif-10239	146	13	offer	offer	VERB
ejif-10239	146	14	reduced	reduce	VERB
ejif-10239	146	15	-	-	PUNCT
ejif-10239	146	16	cost	cost	NOUN
ejif-10239	146	17	services	service	NOUN
ejif-10239	146	18	.	.	PUNCT
ejif-10239	147	1	fintech	fintech	NOUN
ejif-10239	147	2	firms	firm	NOUN
ejif-10239	147	3	and	and	CCONJ
ejif-10239	147	4	institutions	institution	NOUN
ejif-10239	147	5	are	be	AUX
ejif-10239	147	6	focusing	focus	VERB
ejif-10239	147	7	on	on	ADP
ejif-10239	147	8	offering	offer	VERB
ejif-10239	147	9	new	new	ADJ
ejif-10239	147	10	alternative	alternative	ADJ
ejif-10239	147	11	ways	way	NOUN
ejif-10239	147	12	to	to	PART
ejif-10239	147	13	transfer	transfer	VERB
ejif-10239	147	14	money	money	NOUN
ejif-10239	147	15	domestically	domestically	ADV
ejif-10239	147	16	and	and	CCONJ
ejif-10239	147	17	internationally	internationally	ADV
ejif-10239	147	18	,	,	PUNCT
ejif-10239	147	19	save	save	VERB
ejif-10239	147	20	money	money	NOUN
ejif-10239	147	21	,	,	PUNCT
ejif-10239	147	22	and	and	CCONJ
ejif-10239	147	23	finance	finance	VERB
ejif-10239	147	24	the	the	DET
ejif-10239	147	25	needs	need	NOUN
ejif-10239	147	26	of	of	ADP
ejif-10239	147	27	life	life	NOUN
ejif-10239	147	28	(	(	PUNCT
ejif-10239	147	29	kou	kou	PROPN
ejif-10239	147	30	et	et	PROPN
ejif-10239	147	31	al	al	PROPN
ejif-10239	147	32	.	.	PROPN
ejif-10239	147	33	,	,	PUNCT
ejif-10239	147	34	2021	2021	NUM
ejif-10239	147	35	)	)	PUNCT
ejif-10239	147	36	.	.	PUNCT
ejif-10239	148	1	according	accord	VERB
ejif-10239	148	2	to	to	ADP
ejif-10239	148	3	(	(	PUNCT
ejif-10239	148	4	leong	leong	PROPN
ejif-10239	148	5	&	&	CCONJ
ejif-10239	148	6	sung	sung	PROPN
ejif-10239	148	7	,	,	PUNCT
ejif-10239	148	8	2018	2018	NUM
ejif-10239	148	9	)	)	PUNCT
ejif-10239	148	10	fintech	fintech	NOUN
ejif-10239	148	11	,	,	PUNCT
ejif-10239	148	12	services	service	NOUN
ejif-10239	148	13	are	be	AUX
ejif-10239	148	14	more	more	ADJ
ejif-10239	148	15	about	about	ADP
ejif-10239	148	16	payments	payment	NOUN
ejif-10239	148	17	,	,	PUNCT
ejif-10239	148	18	advisory	advisory	ADJ
ejif-10239	148	19	services	service	NOUN
ejif-10239	148	20	,	,	PUNCT
ejif-10239	148	21	and	and	CCONJ
ejif-10239	148	22	compliance	compliance	NOUN
ejif-10239	148	23	.	.	PUNCT
ejif-10239	149	1	haddad	haddad	PROPN
ejif-10239	149	2	and	and	CCONJ
ejif-10239	149	3	hornuf	hornuf	PROPN
ejif-10239	149	4	(	(	PUNCT
ejif-10239	149	5	2019	2019	NUM
ejif-10239	149	6	)	)	PUNCT
ejif-10239	149	7	and	and	CCONJ
ejif-10239	149	8	world	world	PROPN
ejif-10239	149	9	bank	bank	PROPN
ejif-10239	149	10	(	(	PUNCT
ejif-10239	149	11	2020	2020	NUM
ejif-10239	149	12	)	)	PUNCT
ejif-10239	149	13	listed	list	VERB
ejif-10239	149	14	more	more	ADJ
ejif-10239	149	15	than	than	ADP
ejif-10239	149	16	nine	nine	NUM
ejif-10239	149	17	categories	category	NOUN
ejif-10239	149	18	to	to	PART
ejif-10239	149	19	which	which	PRON
ejif-10239	149	20	fintech	fintech	NOUN
ejif-10239	149	21	is	be	AUX
ejif-10239	149	22	contributing	contribute	VERB
ejif-10239	149	23	,	,	PUNCT
ejif-10239	149	24	among	among	ADP
ejif-10239	149	25	which	which	PRON
ejif-10239	149	26	are	be	AUX
ejif-10239	149	27	financial	financial	ADJ
ejif-10239	149	28	and	and	CCONJ
ejif-10239	149	29	non	non	ADJ
ejif-10239	149	30	-	-	ADJ
ejif-10239	149	31	financial	financial	ADJ
ejif-10239	149	32	.	.	PUNCT
ejif-10239	150	1	all	all	DET
ejif-10239	150	2	those	those	DET
ejif-10239	150	3	categories	category	NOUN
ejif-10239	150	4	with	with	ADP
ejif-10239	150	5	different	different	ADJ
ejif-10239	150	6	uses	use	NOUN
ejif-10239	150	7	by	by	ADP
ejif-10239	150	8	one	one	NUM
ejif-10239	150	9	way	way	NOUN
ejif-10239	150	10	or	or	CCONJ
ejif-10239	150	11	another	another	PRON
ejif-10239	150	12	are	be	AUX
ejif-10239	150	13	positively	positively	ADV
ejif-10239	150	14	impacting	impact	VERB
ejif-10239	150	15	the	the	DET
ejif-10239	150	16	economic	economic	ADJ
ejif-10239	150	17	growth	growth	NOUN
ejif-10239	150	18	and	and	CCONJ
ejif-10239	150	19	developing	develop	VERB
ejif-10239	150	20	the	the	DET
ejif-10239	150	21	infrastructures	infrastructure	NOUN
ejif-10239	150	22	(	(	PUNCT
ejif-10239	150	23	song	song	NOUN
ejif-10239	150	24	&	&	CCONJ
ejif-10239	150	25	appiah	appiah	PROPN
ejif-10239	150	26	-	-	PUNCT
ejif-10239	150	27	otoo	otoo	NOUN
ejif-10239	150	28	,	,	PUNCT
ejif-10239	150	29	2022	2022	NUM
ejif-10239	150	30	)	)	PUNCT
ejif-10239	150	31	.	.	PUNCT
ejif-10239	151	1	figure	figure	NOUN
ejif-10239	151	2	(	(	PUNCT
ejif-10239	151	3	01	01	NUM
ejif-10239	151	4	):	):	PUNCT
ejif-10239	151	5	foundation	foundation	NOUN
ejif-10239	151	6	of	of	ADP
ejif-10239	151	7	the	the	DET
ejif-10239	151	8	financial	financial	ADJ
ejif-10239	151	9	chaos	chaos	NOUN
ejif-10239	151	10	:	:	PUNCT
ejif-10239	151	11	looking	look	VERB
ejif-10239	151	12	into	into	ADP
ejif-10239	151	13	an	an	DET
ejif-10239	151	14	islamic	islamic	PROPN
ejif-10239	151	15	bank	bank	PROPN
ejif-10239	151	16	system	system	NOUN
ejif-10239	151	17	source	source	NOUN
ejif-10239	151	18	:	:	PUNCT
ejif-10239	151	19	authors	author	NOUN
ejif-10239	151	20	’	’	PART
ejif-10239	151	21	output	output	NOUN
ejif-10239	151	22	,	,	PUNCT
ejif-10239	151	23	based	base	VERB
ejif-10239	151	24	on	on	ADP
ejif-10239	151	25	(	(	PUNCT
ejif-10239	151	26	klioutchnikov	klioutchnikov	PROPN
ejif-10239	151	27	et	et	PROPN
ejif-10239	151	28	al	al	PROPN
ejif-10239	151	29	.	.	PROPN
ejif-10239	151	30	,	,	PUNCT
ejif-10239	151	31	2017	2017	NUM
ejif-10239	151	32	)	)	PUNCT
ejif-10239	151	33	islamic	islamic	PROPN
ejif-10239	151	34	bank	bank	PROPN
ejif-10239	151	35	(	(	PUNCT
ejif-10239	151	36	ib	ib	PROPN
ejif-10239	151	37	)	)	PUNCT
ejif-10239	151	38	other	other	ADJ
ejif-10239	151	39	ibs	ibs	PROPN
ejif-10239	151	40	other	other	ADJ
ejif-10239	151	41	conventional	conventional	ADJ
ejif-10239	151	42	banks	bank	NOUN
ejif-10239	151	43	bank	bank	VERB
ejif-10239	151	44	specific	specific	ADJ
ejif-10239	151	45	variables	variable	NOUN
ejif-10239	151	46	and	and	CCONJ
ejif-10239	151	47	clients	client	NOUN
ejif-10239	151	48	macro	macro	ADJ
ejif-10239	151	49	-	-	PROPN
ejif-10239	151	50	micro	micro	ADJ
ejif-10239	151	51	variables	variables	PROPN
ejif-10239	151	52	international	international	PROPN
ejif-10239	151	53	shariah	shariah	PROPN
ejif-10239	151	54	regulations	regulation	NOUN
ejif-10239	151	55	the	the	DET
ejif-10239	151	56	islamic	islamic	PROPN
ejif-10239	151	57	bank	bank	PROPN
ejif-10239	151	58	(	(	PUNCT
ejif-10239	151	59	ib)positioned	ib)positione	VERB
ejif-10239	151	60	in	in	ADP
ejif-10239	151	61	the	the	DET
ejif-10239	151	62	market	market	NOUN
ejif-10239	151	63	,	,	PUNCT
ejif-10239	151	64	interact	interact	VERB
ejif-10239	151	65	with	with	ADP
ejif-10239	151	66	many	many	ADJ
ejif-10239	151	67	external	external	ADJ
ejif-10239	151	68	variables	variable	NOUN
ejif-10239	151	69	and	and	CCONJ
ejif-10239	151	70	is	be	AUX
ejif-10239	151	71	exposed	expose	VERB
ejif-10239	151	72	to	to	ADP
ejif-10239	151	73	its	its	PRON
ejif-10239	151	74	own	own	ADJ
ejif-10239	151	75	internal	internal	ADJ
ejif-10239	151	76	variables	variable	NOUN
ejif-10239	151	77	based	base	VERB
ejif-10239	151	78	on	on	ADP
ejif-10239	151	79	the	the	DET
ejif-10239	151	80	market	market	NOUN
ejif-10239	151	81	conditions	condition	NOUN
ejif-10239	151	82	and	and	CCONJ
ejif-10239	151	83	the	the	DET
ejif-10239	151	84	(	(	PUNCT
ejif-10239	151	85	ib	ib	NOUN
ejif-10239	151	86	)	)	PUNCT
ejif-10239	151	87	position	position	NOUN
ejif-10239	151	88	and	and	CCONJ
ejif-10239	151	89	characteristics	characteristic	NOUN
ejif-10239	151	90	the	the	DET
ejif-10239	151	91	(	(	PUNCT
ejif-10239	151	92	ib	ib	NOUN
ejif-10239	151	93	)	)	PUNCT
ejif-10239	151	94	can	can	AUX
ejif-10239	151	95	radically	radically	ADV
ejif-10239	151	96	change	change	VERB
ejif-10239	151	97	its	its	PRON
ejif-10239	151	98	priorities	priority	NOUN
ejif-10239	151	99	and	and	CCONJ
ejif-10239	151	100	actions	action	NOUN
ejif-10239	151	101	.	.	PUNCT
ejif-10239	152	1	based	base	VERB
ejif-10239	152	2	on	on	ADP
ejif-10239	152	3	features	feature	NOUN
ejif-10239	152	4	of	of	ADP
ejif-10239	152	5	the	the	DET
ejif-10239	152	6	other	other	ADJ
ejif-10239	152	7	participants	participant	NOUN
ejif-10239	152	8	in	in	ADP
ejif-10239	152	9	the	the	DET
ejif-10239	152	10	market	market	NOUN
ejif-10239	152	11	and	and	CCONJ
ejif-10239	152	12	the	the	DET
ejif-10239	152	13	known	know	VERB
ejif-10239	152	14	and	and	CCONJ
ejif-10239	152	15	unknown	unknown	ADJ
ejif-10239	152	16	factors	factor	NOUN
ejif-10239	152	17	affecting	affect	VERB
ejif-10239	152	18	the	the	DET
ejif-10239	152	19	(	(	PUNCT
ejif-10239	152	20	ib	ib	NOUN
ejif-10239	152	21	)	)	PUNCT
ejif-10239	152	22	,	,	PUNCT
ejif-10239	152	23	operating	operate	VERB
ejif-10239	152	24	within	within	ADP
ejif-10239	152	25	uncertainty	uncertainty	NOUN
ejif-10239	152	26	articulation	articulation	NOUN
ejif-10239	152	27	of	of	ADP
ejif-10239	152	28	the	the	DET
ejif-10239	152	29	financial	financial	ADJ
ejif-10239	152	30	chaos	chaos	NOUN
ejif-10239	152	31	:	:	PUNCT
ejif-10239	152	32	viewpoint	viewpoint	NOUN
ejif-10239	152	33	from	from	ADP
ejif-10239	152	34	ib	ib	PROPN
ejif-10239	152	35	expect	expect	VERB
ejif-10239	152	36	the	the	DET
ejif-10239	152	37	unexpected	unexpected	ADJ
ejif-10239	152	38	in	in	ADP
ejif-10239	152	39	an	an	DET
ejif-10239	152	40	uncertain	uncertain	ADJ
ejif-10239	152	41	market	market	NOUN
ejif-10239	152	42	conditions	condition	NOUN
ejif-10239	152	43	fintech	fintech	NOUN
ejif-10239	152	44	political	political	ADJ
ejif-10239	152	45	situation	situation	NOUN
ejif-10239	152	46	environmental	environmental	ADJ
ejif-10239	152	47	issues	issue	NOUN
ejif-10239	152	48	european	european	PROPN
ejif-10239	152	49	journal	journal	PROPN
ejif-10239	152	50	of	of	ADP
ejif-10239	152	51	islamic	islamic	PROPN
ejif-10239	152	52	finance	finance	PROPN
ejif-10239	152	53	issn	issn	PROPN
ejif-10239	152	54	:	:	PUNCT
ejif-10239	152	55	2421	2421	NUM
ejif-10239	152	56	-	-	SYM
ejif-10239	152	57	2172	2172	NUM
ejif-10239	152	58	doi	doi	NOUN
ejif-10239	152	59	:	:	PUNCT
ejif-10239	152	60	10.13135/2421	10.13135/2421	NUM
ejif-10239	152	61	-	-	SYM
ejif-10239	152	62	2172/10239	2172/10239	NUM
ejif-10239	152	63	published	publish	VERB
ejif-10239	152	64	by	by	ADP
ejif-10239	152	65	university	university	PROPN
ejif-10239	152	66	of	of	ADP
ejif-10239	152	67	turin	turin	PROPN
ejif-10239	153	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	153	2	ejif	ejif	PROPN
ejif-10239	153	3	content	content	NOUN
ejif-10239	153	4	is	be	AUX
ejif-10239	153	5	licensed	license	VERB
ejif-10239	153	6	under	under	ADP
ejif-10239	153	7	a	a	DET
ejif-10239	153	8	creative	creative	ADJ
ejif-10239	153	9	commons	common	NOUN
ejif-10239	153	10	attribution	attribution	NOUN
ejif-10239	153	11	4.0	4.0	NUM
ejif-10239	153	12	international	international	ADJ
ejif-10239	153	13	license	license	NOUN
ejif-10239	153	14	42	42	NUM
ejif-10239	153	15	the	the	DET
ejif-10239	153	16	technological	technological	ADJ
ejif-10239	153	17	revolution	revolution	NOUN
ejif-10239	153	18	is	be	AUX
ejif-10239	153	19	one	one	NUM
ejif-10239	153	20	element	element	NOUN
ejif-10239	153	21	that	that	PRON
ejif-10239	153	22	can	can	AUX
ejif-10239	153	23	not	not	PART
ejif-10239	153	24	be	be	AUX
ejif-10239	153	25	ignored	ignore	VERB
ejif-10239	153	26	when	when	SCONJ
ejif-10239	153	27	shaping	shape	VERB
ejif-10239	153	28	the	the	DET
ejif-10239	153	29	new	new	ADJ
ejif-10239	153	30	face	face	NOUN
ejif-10239	153	31	of	of	ADP
ejif-10239	153	32	the	the	DET
ejif-10239	153	33	islamic	islamic	ADJ
ejif-10239	153	34	banking	banking	PROPN
ejif-10239	153	35	(	(	PUNCT
ejif-10239	153	36	ib	ib	NOUN
ejif-10239	153	37	)	)	PUNCT
ejif-10239	153	38	sectors	sector	NOUN
ejif-10239	153	39	.	.	PUNCT
ejif-10239	154	1	the	the	DET
ejif-10239	154	2	ib	ib	PROPN
ejif-10239	154	3	industry	industry	NOUN
ejif-10239	154	4	’s	’s	PART
ejif-10239	154	5	exposure	exposure	NOUN
ejif-10239	154	6	to	to	ADP
ejif-10239	154	7	fintech	fintech	NOUN
ejif-10239	154	8	tools	tool	NOUN
ejif-10239	154	9	and	and	CCONJ
ejif-10239	154	10	digitalization	digitalization	NOUN
ejif-10239	154	11	of	of	ADP
ejif-10239	154	12	the	the	DET
ejif-10239	154	13	sericitisation	sericitisation	NOUN
ejif-10239	154	14	processes	process	NOUN
ejif-10239	154	15	put	put	VERB
ejif-10239	154	16	the	the	DET
ejif-10239	154	17	ib	ib	NOUN
ejif-10239	154	18	operational	operational	ADJ
ejif-10239	154	19	and	and	CCONJ
ejif-10239	154	20	regulatory	regulatory	ADJ
ejif-10239	154	21	framework	framework	NOUN
ejif-10239	154	22	in	in	ADP
ejif-10239	154	23	a	a	DET
ejif-10239	154	24	more	more	ADV
ejif-10239	154	25	sensitive	sensitive	ADJ
ejif-10239	154	26	position	position	NOUN
ejif-10239	154	27	(	(	PUNCT
ejif-10239	154	28	hassan	hassan	PROPN
ejif-10239	154	29	et	et	PROPN
ejif-10239	154	30	al	al	PROPN
ejif-10239	154	31	.	.	PROPN
ejif-10239	154	32	,	,	PUNCT
ejif-10239	154	33	2020	2020	NUM
ejif-10239	154	34	)	)	PUNCT
ejif-10239	154	35	.	.	PUNCT
ejif-10239	155	1	on	on	ADP
ejif-10239	155	2	the	the	DET
ejif-10239	155	3	one	one	NUM
ejif-10239	155	4	hand	hand	NOUN
ejif-10239	155	5	,	,	PUNCT
ejif-10239	155	6	the	the	DET
ejif-10239	155	7	tech	tech	NOUN
ejif-10239	155	8	revolution	revolution	NOUN
ejif-10239	155	9	will	will	AUX
ejif-10239	155	10	probably	probably	ADV
ejif-10239	155	11	enhance	enhance	VERB
ejif-10239	155	12	ib	ib	PROPN
ejif-10239	155	13	's	's	PART
ejif-10239	155	14	efficiency	efficiency	NOUN
ejif-10239	155	15	and	and	CCONJ
ejif-10239	155	16	profitability	profitability	NOUN
ejif-10239	155	17	;	;	PUNCT
ejif-10239	155	18	delivering	deliver	VERB
ejif-10239	155	19	shariah	shariah	PROPN
ejif-10239	155	20	-	-	PUNCT
ejif-10239	155	21	cost	cost	NOUN
ejif-10239	155	22	effective	effective	ADJ
ejif-10239	155	23	products	product	NOUN
ejif-10239	155	24	more	more	ADV
ejif-10239	155	25	quickly	quickly	ADV
ejif-10239	155	26	is	be	AUX
ejif-10239	155	27	certainly	certainly	ADV
ejif-10239	155	28	one	one	NUM
ejif-10239	155	29	of	of	ADP
ejif-10239	155	30	the	the	DET
ejif-10239	155	31	many	many	ADJ
ejif-10239	155	32	positive	positive	ADJ
ejif-10239	155	33	aspects	aspect	NOUN
ejif-10239	155	34	of	of	ADP
ejif-10239	155	35	fintech	fintech	NOUN
ejif-10239	155	36	adoptions	adoption	NOUN
ejif-10239	155	37	(	(	PUNCT
ejif-10239	155	38	abdeljawad	abdeljawad	NOUN
ejif-10239	155	39	et	et	PROPN
ejif-10239	155	40	al	al	PROPN
ejif-10239	155	41	.	.	PROPN
ejif-10239	155	42	,	,	PUNCT
ejif-10239	155	43	2022	2022	NUM
ejif-10239	155	44	)	)	PUNCT
ejif-10239	155	45	.	.	PUNCT
ejif-10239	156	1	on	on	ADP
ejif-10239	156	2	the	the	DET
ejif-10239	156	3	other	other	ADJ
ejif-10239	156	4	hand	hand	NOUN
ejif-10239	156	5	,	,	PUNCT
ejif-10239	156	6	simplicity	simplicity	NOUN
ejif-10239	156	7	and	and	CCONJ
ejif-10239	156	8	efficiency	efficiency	NOUN
ejif-10239	156	9	may	may	AUX
ejif-10239	156	10	be	be	AUX
ejif-10239	156	11	obtained	obtain	VERB
ejif-10239	156	12	,	,	PUNCT
ejif-10239	156	13	but	but	CCONJ
ejif-10239	156	14	uncertainty	uncertainty	NOUN
ejif-10239	156	15	will	will	AUX
ejif-10239	156	16	occur	occur	VERB
ejif-10239	156	17	,	,	PUNCT
ejif-10239	156	18	as	as	ADP
ejif-10239	156	19	in	in	ADP
ejif-10239	156	20	the	the	DET
ejif-10239	156	21	case	case	NOUN
ejif-10239	156	22	of	of	ADP
ejif-10239	156	23	bitcoin	bitcoin	NOUN
ejif-10239	156	24	and	and	CCONJ
ejif-10239	156	25	cryptocurrencies	cryptocurrencie	NOUN
ejif-10239	156	26	(	(	PUNCT
ejif-10239	156	27	lahmiri	lahmiri	NOUN
ejif-10239	156	28	et	et	PROPN
ejif-10239	156	29	al	al	PROPN
ejif-10239	156	30	.	.	PROPN
ejif-10239	156	31	,	,	PUNCT
ejif-10239	156	32	2018	2018	NUM
ejif-10239	156	33	)	)	PUNCT
ejif-10239	156	34	.	.	PUNCT
ejif-10239	157	1	moreover	moreover	ADV
ejif-10239	157	2	,	,	PUNCT
ejif-10239	157	3	technology	technology	NOUN
ejif-10239	157	4	gives	give	VERB
ejif-10239	157	5	islamic	islamic	ADJ
ejif-10239	157	6	banking	banking	NOUN
ejif-10239	157	7	a	a	DET
ejif-10239	157	8	great	great	ADJ
ejif-10239	157	9	chance	chance	NOUN
ejif-10239	157	10	to	to	PART
ejif-10239	157	11	expand	expand	VERB
ejif-10239	157	12	if	if	SCONJ
ejif-10239	157	13	the	the	DET
ejif-10239	157	14	ibs	ibs	PROPN
ejif-10239	157	15	fulfil	fulfil	VERB
ejif-10239	157	16	their	their	PRON
ejif-10239	157	17	huge	huge	ADJ
ejif-10239	157	18	responsibility	responsibility	NOUN
ejif-10239	157	19	to	to	PART
ejif-10239	157	20	educate	educate	VERB
ejif-10239	157	21	the	the	DET
ejif-10239	157	22	public	public	NOUN
ejif-10239	157	23	about	about	ADP
ejif-10239	157	24	islamic	islamic	ADJ
ejif-10239	157	25	banking	banking	NOUN
ejif-10239	157	26	and	and	CCONJ
ejif-10239	157	27	its	its	PRON
ejif-10239	157	28	services	service	NOUN
ejif-10239	157	29	.	.	PUNCT
ejif-10239	158	1	however	however	ADV
ejif-10239	158	2	,	,	PUNCT
ejif-10239	158	3	the	the	DET
ejif-10239	158	4	fintech	fintech	NOUN
ejif-10239	158	5	industry	industry	NOUN
ejif-10239	158	6	and	and	CCONJ
ejif-10239	158	7	technology	technology	NOUN
ejif-10239	158	8	-	-	PUNCT
ejif-10239	158	9	based	base	VERB
ejif-10239	158	10	finance	finance	NOUN
ejif-10239	158	11	still	still	ADV
ejif-10239	158	12	lack	lack	VERB
ejif-10239	158	13	regulatory	regulatory	ADJ
ejif-10239	158	14	frameworks	framework	NOUN
ejif-10239	158	15	to	to	PART
ejif-10239	158	16	facilitate	facilitate	VERB
ejif-10239	158	17	and	and	CCONJ
ejif-10239	158	18	legalise	legalise	VERB
ejif-10239	158	19	their	their	PRON
ejif-10239	158	20	existence	existence	NOUN
ejif-10239	158	21	.	.	PUNCT
ejif-10239	159	1	as	as	SCONJ
ejif-10239	159	2	some	some	DET
ejif-10239	159	3	countries	country	NOUN
ejif-10239	159	4	are	be	AUX
ejif-10239	159	5	trying	try	VERB
ejif-10239	159	6	to	to	PART
ejif-10239	159	7	form	form	VERB
ejif-10239	159	8	new	new	ADJ
ejif-10239	159	9	regulations	regulation	NOUN
ejif-10239	159	10	for	for	ADP
ejif-10239	159	11	tech	tech	NOUN
ejif-10239	159	12	adoption	adoption	NOUN
ejif-10239	159	13	,	,	PUNCT
ejif-10239	159	14	there	there	PRON
ejif-10239	159	15	are	be	VERB
ejif-10239	159	16	regulatory	regulatory	ADJ
ejif-10239	159	17	limitations	limitation	NOUN
ejif-10239	159	18	on	on	ADP
ejif-10239	159	19	the	the	DET
ejif-10239	159	20	fintech	fintech	NOUN
ejif-10239	159	21	firms	firm	NOUN
ejif-10239	159	22	that	that	PRON
ejif-10239	159	23	increase	increase	VERB
ejif-10239	159	24	different	different	ADJ
ejif-10239	159	25	risks	risk	NOUN
ejif-10239	159	26	(	(	PUNCT
ejif-10239	159	27	lee	lee	PROPN
ejif-10239	159	28	and	and	CCONJ
ejif-10239	159	29	shin	shin	PROPN
ejif-10239	159	30	,	,	PUNCT
ejif-10239	159	31	2018	2018	NUM
ejif-10239	159	32	)	)	PUNCT
ejif-10239	159	33	.	.	PUNCT
ejif-10239	160	1	aysan	aysan	PROPN
ejif-10239	160	2	and	and	CCONJ
ejif-10239	160	3	unal	unal	ADJ
ejif-10239	160	4	(	(	PUNCT
ejif-10239	160	5	2023	2023	NUM
ejif-10239	160	6	)	)	PUNCT
ejif-10239	160	7	highlighted	highlight	VERB
ejif-10239	160	8	that	that	SCONJ
ejif-10239	160	9	the	the	DET
ejif-10239	160	10	lack	lack	NOUN
ejif-10239	160	11	of	of	ADP
ejif-10239	160	12	regulations	regulation	NOUN
ejif-10239	160	13	may	may	AUX
ejif-10239	160	14	cause	cause	VERB
ejif-10239	160	15	regulatory	regulatory	ADJ
ejif-10239	160	16	non	non	ADJ
ejif-10239	160	17	-	-	NOUN
ejif-10239	160	18	compliance	compliance	NOUN
ejif-10239	160	19	and	and	CCONJ
ejif-10239	160	20	instability	instability	NOUN
ejif-10239	160	21	.	.	PUNCT
ejif-10239	161	1	furthermore	furthermore	ADV
ejif-10239	161	2	,	,	PUNCT
ejif-10239	161	3	it	it	PRON
ejif-10239	161	4	may	may	AUX
ejif-10239	161	5	reflect	reflect	VERB
ejif-10239	161	6	the	the	DET
ejif-10239	161	7	level	level	NOUN
ejif-10239	161	8	of	of	ADP
ejif-10239	161	9	liquidity	liquidity	NOUN
ejif-10239	161	10	and	and	CCONJ
ejif-10239	161	11	fund	fund	NOUN
ejif-10239	161	12	access	access	NOUN
ejif-10239	161	13	.	.	PUNCT
ejif-10239	162	1	al	al	PROPN
ejif-10239	162	2	-	-	PUNCT
ejif-10239	162	3	natoor	natoor	NOUN
ejif-10239	162	4	(	(	PUNCT
ejif-10239	162	5	2023	2023	NUM
ejif-10239	162	6	)	)	PUNCT
ejif-10239	162	7	referred	refer	VERB
ejif-10239	162	8	to	to	ADP
ejif-10239	162	9	the	the	DET
ejif-10239	162	10	inadequate	inadequate	ADJ
ejif-10239	162	11	awareness	awareness	NOUN
ejif-10239	162	12	of	of	ADP
ejif-10239	162	13	fintech	fintech	NOUN
ejif-10239	162	14	and	and	CCONJ
ejif-10239	162	15	islamic	islamic	ADJ
ejif-10239	162	16	fintech	fintech	NOUN
ejif-10239	162	17	(	(	PUNCT
ejif-10239	162	18	isfin	isfin	NOUN
ejif-10239	162	19	)	)	PUNCT
ejif-10239	162	20	as	as	ADP
ejif-10239	162	21	one	one	NUM
ejif-10239	162	22	of	of	ADP
ejif-10239	162	23	the	the	DET
ejif-10239	162	24	development	development	NOUN
ejif-10239	162	25	constraints	constraint	NOUN
ejif-10239	162	26	of	of	ADP
ejif-10239	162	27	the	the	DET
ejif-10239	162	28	industry	industry	NOUN
ejif-10239	162	29	.	.	PUNCT
ejif-10239	163	1	the	the	DET
ejif-10239	163	2	era	era	NOUN
ejif-10239	163	3	of	of	ADP
ejif-10239	163	4	digitalisation	digitalisation	NOUN
ejif-10239	163	5	and	and	CCONJ
ejif-10239	163	6	the	the	DET
ejif-10239	163	7	acceleration	acceleration	NOUN
ejif-10239	163	8	of	of	ADP
ejif-10239	163	9	technology	technology	NOUN
ejif-10239	163	10	solutions	solution	NOUN
ejif-10239	163	11	and	and	CCONJ
ejif-10239	163	12	tools	tool	NOUN
ejif-10239	163	13	have	have	AUX
ejif-10239	163	14	resulted	result	VERB
ejif-10239	163	15	in	in	ADP
ejif-10239	163	16	the	the	DET
ejif-10239	163	17	deployment	deployment	NOUN
ejif-10239	163	18	of	of	ADP
ejif-10239	163	19	technology	technology	NOUN
ejif-10239	163	20	into	into	ADP
ejif-10239	163	21	financial	financial	ADJ
ejif-10239	163	22	services	service	NOUN
ejif-10239	163	23	.	.	PUNCT
ejif-10239	164	1	other	other	ADJ
ejif-10239	164	2	studies	study	NOUN
ejif-10239	164	3	highlighted	highlight	VERB
ejif-10239	164	4	the	the	DET
ejif-10239	164	5	rise	rise	NOUN
ejif-10239	164	6	in	in	ADP
ejif-10239	164	7	the	the	DET
ejif-10239	164	8	frequency	frequency	NOUN
ejif-10239	164	9	of	of	ADP
ejif-10239	164	10	downloading	download	VERB
ejif-10239	164	11	and	and	CCONJ
ejif-10239	164	12	using	use	VERB
ejif-10239	164	13	financial	financial	ADJ
ejif-10239	164	14	applications	application	NOUN
ejif-10239	164	15	during	during	ADP
ejif-10239	164	16	the	the	DET
ejif-10239	164	17	lockdown	lockdown	NOUN
ejif-10239	164	18	because	because	SCONJ
ejif-10239	164	19	covid-19	covid-19	PROPN
ejif-10239	164	20	spread	spread	VERB
ejif-10239	164	21	by	by	ADP
ejif-10239	164	22	up	up	ADP
ejif-10239	164	23	to	to	PART
ejif-10239	164	24	32	32	NUM
ejif-10239	164	25	%	%	NOUN
ejif-10239	164	26	daily	daily	ADV
ejif-10239	164	27	.	.	PUNCT
ejif-10239	165	1	this	this	DET
ejif-10239	165	2	percentage	percentage	NOUN
ejif-10239	165	3	differs	differ	VERB
ejif-10239	165	4	from	from	ADP
ejif-10239	165	5	one	one	NUM
ejif-10239	165	6	country	country	NOUN
ejif-10239	165	7	to	to	ADP
ejif-10239	165	8	another	another	PRON
ejif-10239	165	9	according	accord	VERB
ejif-10239	165	10	to	to	ADP
ejif-10239	165	11	the	the	DET
ejif-10239	165	12	readiness	readiness	NOUN
ejif-10239	165	13	and	and	CCONJ
ejif-10239	165	14	the	the	DET
ejif-10239	165	15	level	level	NOUN
ejif-10239	165	16	of	of	ADP
ejif-10239	165	17	development	development	NOUN
ejif-10239	165	18	in	in	ADP
ejif-10239	165	19	a	a	DET
ejif-10239	165	20	country	country	NOUN
ejif-10239	165	21	's	's	PART
ejif-10239	165	22	infrastructure	infrastructure	NOUN
ejif-10239	165	23	.	.	PUNCT
ejif-10239	166	1	after	after	ADP
ejif-10239	166	2	covid-19	covid-19	PROPN
ejif-10239	166	3	,	,	PUNCT
ejif-10239	166	4	the	the	DET
ejif-10239	166	5	number	number	NOUN
ejif-10239	166	6	of	of	ADP
ejif-10239	166	7	fintech	fintech	NOUN
ejif-10239	166	8	start	start	NOUN
ejif-10239	166	9	-	-	PUNCT
ejif-10239	166	10	ups	up	NOUN
ejif-10239	166	11	has	have	AUX
ejif-10239	166	12	jumped	jump	VERB
ejif-10239	166	13	to	to	PART
ejif-10239	166	14	record	record	VERB
ejif-10239	166	15	more	more	ADJ
ejif-10239	166	16	than	than	ADP
ejif-10239	166	17	20.000	20.000	NUM
ejif-10239	166	18	start	start	NOUN
ejif-10239	166	19	-	-	PUNCT
ejif-10239	166	20	ups	up	NOUN
ejif-10239	166	21	worldwide	worldwide	ADV
ejif-10239	166	22	(	(	PUNCT
ejif-10239	166	23	statista	statista	NOUN
ejif-10239	166	24	,	,	PUNCT
ejif-10239	166	25	2022	2022	NUM
ejif-10239	166	26	)	)	PUNCT
ejif-10239	166	27	.	.	PUNCT
ejif-10239	167	1	those	those	DET
ejif-10239	167	2	firms	firm	NOUN
ejif-10239	167	3	worldwide	worldwide	ADV
ejif-10239	167	4	are	be	AUX
ejif-10239	167	5	making	make	VERB
ejif-10239	167	6	massive	massive	ADJ
ejif-10239	167	7	investments	investment	NOUN
ejif-10239	167	8	to	to	PART
ejif-10239	167	9	reach	reach	VERB
ejif-10239	167	10	$	$	SYM
ejif-10239	167	11	238.9	238.9	NUM
ejif-10239	167	12	us	us	PROPN
ejif-10239	167	13	billion	billion	NUM
ejif-10239	167	14	dollars	dollar	NOUN
ejif-10239	167	15	(	(	PUNCT
ejif-10239	167	16	figure	figure	NOUN
ejif-10239	167	17	2	2	NUM
ejif-10239	167	18	)	)	PUNCT
ejif-10239	167	19	.	.	PUNCT
ejif-10239	168	1	islamic	islamic	ADJ
ejif-10239	168	2	fintech	fintech	PROPN
ejif-10239	168	3	(	(	PUNCT
ejif-10239	168	4	isfin	isfin	NOUN
ejif-10239	168	5	)	)	PUNCT
ejif-10239	168	6	firms	firm	NOUN
ejif-10239	168	7	are	be	AUX
ejif-10239	168	8	taking	take	VERB
ejif-10239	168	9	a	a	DET
ejif-10239	168	10	huge	huge	ADJ
ejif-10239	168	11	segment	segment	NOUN
ejif-10239	168	12	of	of	ADP
ejif-10239	168	13	the	the	DET
ejif-10239	168	14	fintech	fintech	NOUN
ejif-10239	168	15	industry	industry	NOUN
ejif-10239	168	16	,	,	PUNCT
ejif-10239	168	17	with	with	ADP
ejif-10239	168	18	a	a	DET
ejif-10239	168	19	market	market	NOUN
ejif-10239	168	20	size	size	NOUN
ejif-10239	168	21	of	of	ADP
ejif-10239	168	22	usd	usd	NOUN
ejif-10239	168	23	49	49	NUM
ejif-10239	168	24	billion	billion	NUM
ejif-10239	168	25	in	in	ADP
ejif-10239	168	26	the	the	DET
ejif-10239	168	27	organisation	organisation	NOUN
ejif-10239	168	28	of	of	ADP
ejif-10239	168	29	islamic	islamic	ADJ
ejif-10239	168	30	cooperation	cooperation	NOUN
ejif-10239	168	31	(	(	PUNCT
ejif-10239	168	32	oic	oic	PROPN
ejif-10239	168	33	)	)	PUNCT
ejif-10239	168	34	countries	country	NOUN
ejif-10239	168	35	(	(	PUNCT
ejif-10239	168	36	global	global	ADJ
ejif-10239	168	37	islamic	islamic	PROPN
ejif-10239	168	38	fintech	fintech	PROPN
ejif-10239	168	39	report	report	NOUN
ejif-10239	168	40	,	,	PUNCT
ejif-10239	168	41	2021	2021	NUM
ejif-10239	168	42	)	)	PUNCT
ejif-10239	168	43	.	.	PUNCT
ejif-10239	169	1	figure	figure	NOUN
ejif-10239	169	2	2	2	NUM
ejif-10239	169	3	.	.	PUNCT
ejif-10239	169	4	total	total	ADJ
ejif-10239	169	5	value	value	NOUN
ejif-10239	169	6	of	of	ADP
ejif-10239	169	7	investments	investment	NOUN
ejif-10239	169	8	into	into	ADP
ejif-10239	169	9	fintech	fintech	NOUN
ejif-10239	169	10	companies	company	NOUN
ejif-10239	169	11	worldwide	worldwide	ADV
ejif-10239	169	12	source	source	NOUN
ejif-10239	169	13	:	:	PUNCT
ejif-10239	169	14	statista	statista	PROPN
ejif-10239	169	15	fintech	fintech	NOUN
ejif-10239	169	16	report	report	NOUN
ejif-10239	169	17	(	(	PUNCT
ejif-10239	169	18	2022	2022	NUM
ejif-10239	169	19	)	)	PUNCT
ejif-10239	169	20	as	as	ADP
ejif-10239	169	21	islamic	islamic	PROPN
ejif-10239	169	22	finance	finance	NOUN
ejif-10239	169	23	(	(	PUNCT
ejif-10239	169	24	if	if	SCONJ
ejif-10239	169	25	)	)	PUNCT
ejif-10239	169	26	and	and	CCONJ
ejif-10239	169	27	islamic	islamic	ADJ
ejif-10239	169	28	banking	banking	NOUN
ejif-10239	169	29	(	(	PUNCT
ejif-10239	169	30	ib	ib	NOUN
ejif-10239	169	31	)	)	PUNCT
ejif-10239	169	32	are	be	AUX
ejif-10239	169	33	significant	significant	ADJ
ejif-10239	169	34	components	component	NOUN
ejif-10239	169	35	of	of	ADP
ejif-10239	169	36	the	the	DET
ejif-10239	169	37	financial	financial	ADJ
ejif-10239	169	38	systems	system	NOUN
ejif-10239	169	39	,	,	PUNCT
ejif-10239	169	40	the	the	DET
ejif-10239	169	41	rise	rise	NOUN
ejif-10239	169	42	of	of	ADP
ejif-10239	169	43	financial	financial	ADJ
ejif-10239	169	44	solutions	solution	NOUN
ejif-10239	169	45	that	that	PRON
ejif-10239	169	46	comply	comply	VERB
ejif-10239	169	47	with	with	ADP
ejif-10239	169	48	shari’ah	shari’ah	PROPN
ejif-10239	169	49	is	be	AUX
ejif-10239	169	50	rising	rise	VERB
ejif-10239	169	51	with	with	ADP
ejif-10239	169	52	the	the	DET
ejif-10239	169	53	developments	development	NOUN
ejif-10239	169	54	witnessed	witness	VERB
ejif-10239	169	55	in	in	ADP
ejif-10239	169	56	the	the	DET
ejif-10239	169	57	financial	financial	ADJ
ejif-10239	169	58	markets	market	NOUN
ejif-10239	169	59	.	.	PUNCT
ejif-10239	170	1	the	the	DET
ejif-10239	170	2	calls	call	NOUN
ejif-10239	170	3	for	for	ADP
ejif-10239	170	4	isfins	isfin	NOUN
ejif-10239	170	5	applications	application	NOUN
ejif-10239	170	6	started	start	VERB
ejif-10239	170	7	to	to	PART
ejif-10239	170	8	take	take	VERB
ejif-10239	170	9	a	a	DET
ejif-10239	170	10	serious	serious	ADJ
ejif-10239	170	11	turn	turn	NOUN
ejif-10239	170	12	with	with	SCONJ
ejif-10239	170	13	the	the	DET
ejif-10239	170	14	dire	dire	ADJ
ejif-10239	170	15	necessity	necessity	NOUN
ejif-10239	170	16	to	to	PART
ejif-10239	170	17	be	be	AUX
ejif-10239	170	18	founded	found	VERB
ejif-10239	170	19	.	.	PUNCT
ejif-10239	171	1	in	in	ADP
ejif-10239	171	2	times	time	NOUN
ejif-10239	171	3	of	of	ADP
ejif-10239	171	4	financial	financial	ADJ
ejif-10239	171	5	hardships	hardship	NOUN
ejif-10239	171	6	,	,	PUNCT
ejif-10239	171	7	if	if	SCONJ
ejif-10239	171	8	and	and	CCONJ
ejif-10239	171	9	islamic	islamic	ADJ
ejif-10239	171	10	financial	financial	ADJ
ejif-10239	171	11	institutions	institution	NOUN
ejif-10239	171	12	are	be	AUX
ejif-10239	171	13	establishing	establish	VERB
ejif-10239	171	14	a	a	DET
ejif-10239	171	15	steady	steady	ADJ
ejif-10239	171	16	ground	ground	NOUN
ejif-10239	171	17	that	that	PRON
ejif-10239	171	18	helps	help	VERB
ejif-10239	171	19	them	they	PRON
ejif-10239	171	20	to	to	PART
ejif-10239	171	21	face	face	VERB
ejif-10239	171	22	the	the	DET
ejif-10239	171	23	challenges	challenge	NOUN
ejif-10239	171	24	of	of	ADP
ejif-10239	171	25	the	the	DET
ejif-10239	171	26	time	time	NOUN
ejif-10239	171	27	because	because	SCONJ
ejif-10239	171	28	of	of	ADP
ejif-10239	171	29	the	the	DET
ejif-10239	171	30	genuineness	genuineness	NOUN
ejif-10239	171	31	of	of	ADP
ejif-10239	171	32	the	the	DET
ejif-10239	171	33	if	if	SCONJ
ejif-10239	171	34	solutions	solution	NOUN
ejif-10239	171	35	.	.	PUNCT
ejif-10239	172	1	regarding	regard	VERB
ejif-10239	172	2	financial	financial	ADJ
ejif-10239	172	3	inclusion	inclusion	NOUN
ejif-10239	172	4	,	,	PUNCT
ejif-10239	172	5	baber	baber	PROPN
ejif-10239	172	6	(	(	PUNCT
ejif-10239	172	7	2020	2020	NUM
ejif-10239	172	8	)	)	PUNCT
ejif-10239	172	9	noted	note	VERB
ejif-10239	172	10	that	that	SCONJ
ejif-10239	172	11	those	those	DET
ejif-10239	172	12	countries	country	NOUN
ejif-10239	172	13	where	where	SCONJ
ejif-10239	172	14	islamic	islamic	ADJ
ejif-10239	172	15	finance	finance	NOUN
ejif-10239	172	16	and	and	CCONJ
ejif-10239	172	17	banking	banking	NOUN
ejif-10239	172	18	are	be	AUX
ejif-10239	172	19	more	more	ADV
ejif-10239	172	20	popular	popular	ADJ
ejif-10239	172	21	are	be	AUX
ejif-10239	172	22	more	more	ADV
ejif-10239	172	23	financially	financially	ADV
ejif-10239	172	24	included	include	VERB
ejif-10239	172	25	than	than	ADP
ejif-10239	172	26	other	other	ADJ
ejif-10239	172	27	countries	country	NOUN
ejif-10239	172	28	.	.	PUNCT
ejif-10239	173	1	furthermore	furthermore	ADV
ejif-10239	173	2	,	,	PUNCT
ejif-10239	173	3	the	the	DET
ejif-10239	173	4	establishment	establishment	NOUN
ejif-10239	173	5	of	of	ADP
ejif-10239	173	6	ibs	ibs	PROPN
ejif-10239	173	7	and	and	CCONJ
ejif-10239	173	8	if	if	SCONJ
ejif-10239	173	9	solutions	solution	NOUN
ejif-10239	173	10	is	be	AUX
ejif-10239	173	11	providing	provide	VERB
ejif-10239	173	12	an	an	DET
ejif-10239	173	13	european	european	ADJ
ejif-10239	173	14	journal	journal	PROPN
ejif-10239	173	15	of	of	ADP
ejif-10239	173	16	islamic	islamic	PROPN
ejif-10239	173	17	finance	finance	PROPN
ejif-10239	173	18	issn	issn	PROPN
ejif-10239	173	19	:	:	PUNCT
ejif-10239	173	20	2421	2421	NUM
ejif-10239	173	21	-	-	SYM
ejif-10239	173	22	2172	2172	NUM
ejif-10239	173	23	doi	doi	NOUN
ejif-10239	173	24	:	:	PUNCT
ejif-10239	173	25	10.13135/2421	10.13135/2421	NUM
ejif-10239	173	26	-	-	SYM
ejif-10239	173	27	2172/10239	2172/10239	NUM
ejif-10239	173	28	published	publish	VERB
ejif-10239	173	29	by	by	ADP
ejif-10239	173	30	university	university	PROPN
ejif-10239	173	31	of	of	ADP
ejif-10239	173	32	turin	turin	PROPN
ejif-10239	174	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	174	2	ejif	ejif	PROPN
ejif-10239	174	3	content	content	NOUN
ejif-10239	174	4	is	be	AUX
ejif-10239	174	5	licensed	license	VERB
ejif-10239	174	6	under	under	ADP
ejif-10239	174	7	a	a	DET
ejif-10239	174	8	creative	creative	ADJ
ejif-10239	174	9	commons	common	NOUN
ejif-10239	174	10	attribution	attribution	NOUN
ejif-10239	174	11	4.0	4.0	NUM
ejif-10239	174	12	international	international	ADJ
ejif-10239	174	13	license	license	NOUN
ejif-10239	174	14	43	43	NUM
ejif-10239	174	15	environment	environment	NOUN
ejif-10239	174	16	for	for	ADP
ejif-10239	174	17	developing	develop	VERB
ejif-10239	174	18	businesswomen	businesswoman	NOUN
ejif-10239	174	19	and	and	CCONJ
ejif-10239	174	20	female	female	ADJ
ejif-10239	174	21	empowerment	empowerment	NOUN
ejif-10239	174	22	(	(	PUNCT
ejif-10239	174	23	guo	guo	PROPN
ejif-10239	174	24	et	et	PROPN
ejif-10239	174	25	al	al	PROPN
ejif-10239	174	26	.	.	PROPN
ejif-10239	174	27	,	,	PUNCT
ejif-10239	174	28	2021	2021	NUM
ejif-10239	174	29	)	)	PUNCT
ejif-10239	174	30	.	.	PUNCT
ejif-10239	175	1	however	however	ADV
ejif-10239	175	2	,	,	PUNCT
ejif-10239	175	3	conventional	conventional	ADJ
ejif-10239	175	4	financial	financial	ADJ
ejif-10239	175	5	institutions	institution	NOUN
ejif-10239	175	6	are	be	AUX
ejif-10239	175	7	still	still	ADV
ejif-10239	175	8	more	more	ADV
ejif-10239	175	9	technologically	technologically	ADV
ejif-10239	175	10	advanced	advanced	ADJ
ejif-10239	175	11	.	.	PUNCT
ejif-10239	176	1	3	3	X
ejif-10239	176	2	.	.	X
ejif-10239	176	3	methodology	methodology	NOUN
ejif-10239	176	4	this	this	DET
ejif-10239	176	5	study	study	NOUN
ejif-10239	176	6	lies	lie	VERB
ejif-10239	176	7	at	at	ADP
ejif-10239	176	8	the	the	DET
ejif-10239	176	9	heart	heart	NOUN
ejif-10239	176	10	of	of	ADP
ejif-10239	176	11	deciphering	decipher	VERB
ejif-10239	176	12	the	the	DET
ejif-10239	176	13	multifaceted	multifaceted	ADJ
ejif-10239	176	14	impact	impact	NOUN
ejif-10239	176	15	,	,	PUNCT
ejif-10239	176	16	namely	namely	ADV
ejif-10239	176	17	the	the	DET
ejif-10239	176	18	“	"	PUNCT
ejif-10239	176	19	digital	digital	ADJ
ejif-10239	176	20	butterfly	butterfly	NOUN
ejif-10239	176	21	effect	effect	NOUN
ejif-10239	176	22	”	"	PUNCT
ejif-10239	176	23	in	in	ADP
ejif-10239	176	24	the	the	DET
ejif-10239	176	25	islamic	islamic	ADJ
ejif-10239	176	26	banking	banking	NOUN
ejif-10239	176	27	sector	sector	NOUN
ejif-10239	176	28	—	—	PUNCT
ejif-10239	176	29	a	a	DET
ejif-10239	176	30	nuanced	nuanced	ADJ
ejif-10239	176	31	exploration	exploration	NOUN
ejif-10239	176	32	of	of	ADP
ejif-10239	176	33	the	the	DET
ejif-10239	176	34	profound	profound	ADJ
ejif-10239	176	35	shifts	shift	NOUN
ejif-10239	176	36	precipitated	precipitate	VERB
ejif-10239	176	37	by	by	ADP
ejif-10239	176	38	digital	digital	ADJ
ejif-10239	176	39	interventions	intervention	NOUN
ejif-10239	176	40	on	on	ADP
ejif-10239	176	41	ibs	ibs	PROPN
ejif-10239	176	42	and	and	CCONJ
ejif-10239	176	43	economic	economic	ADJ
ejif-10239	176	44	development	development	NOUN
ejif-10239	176	45	in	in	ADP
ejif-10239	176	46	malaysia	malaysia	PROPN
ejif-10239	176	47	,	,	PUNCT
ejif-10239	176	48	particularly	particularly	ADV
ejif-10239	176	49	in	in	ADP
ejif-10239	176	50	a	a	DET
ejif-10239	176	51	post	post	ADJ
ejif-10239	176	52	-	-	ADJ
ejif-10239	176	53	pandemic	pandemic	ADJ
ejif-10239	176	54	scenario	scenario	NOUN
ejif-10239	176	55	(	(	PUNCT
ejif-10239	176	56	figure	figure	NOUN
ejif-10239	176	57	3	3	NUM
ejif-10239	176	58	)	)	PUNCT
ejif-10239	176	59	.	.	PUNCT
ejif-10239	177	1	figure	figure	VERB
ejif-10239	177	2	3	3	NUM
ejif-10239	177	3	.	.	PUNCT
ejif-10239	177	4	conceptual	conceptual	ADJ
ejif-10239	177	5	framework	framework	NOUN
ejif-10239	177	6	for	for	ADP
ejif-10239	177	7	the	the	DET
ejif-10239	177	8	digital	digital	ADJ
ejif-10239	177	9	butterfly	butterfly	NOUN
ejif-10239	177	10	effect	effect	NOUN
ejif-10239	177	11	on	on	ADP
ejif-10239	177	12	islamic	islamic	ADJ
ejif-10239	177	13	banking	banking	NOUN
ejif-10239	177	14	and	and	CCONJ
ejif-10239	177	15	the	the	DET
ejif-10239	177	16	broader	broad	ADJ
ejif-10239	177	17	economy	economy	NOUN
ejif-10239	177	18	source	source	NOUN
ejif-10239	177	19	:	:	PUNCT
ejif-10239	177	20	authors	author	NOUN
ejif-10239	177	21	’	'	PUNCT
ejif-10239	177	22	elaboration	elaboration	NOUN
ejif-10239	177	23	the	the	DET
ejif-10239	177	24	digital	digital	ADJ
ejif-10239	177	25	butterfly	butterfly	NOUN
ejif-10239	177	26	effect	effect	NOUN
ejif-10239	177	27	,	,	PUNCT
ejif-10239	177	28	when	when	SCONJ
ejif-10239	177	29	contextualized	contextualize	VERB
ejif-10239	177	30	within	within	ADP
ejif-10239	177	31	islamic	islamic	ADJ
ejif-10239	177	32	banking	banking	NOUN
ejif-10239	177	33	,	,	PUNCT
ejif-10239	177	34	can	can	AUX
ejif-10239	177	35	catalyze	catalyze	VERB
ejif-10239	177	36	noticeable	noticeable	ADJ
ejif-10239	177	37	transformations	transformation	NOUN
ejif-10239	177	38	.	.	PUNCT
ejif-10239	178	1	these	these	PRON
ejif-10239	178	2	are	be	AUX
ejif-10239	178	3	not	not	PART
ejif-10239	178	4	limited	limit	VERB
ejif-10239	178	5	solely	solely	ADV
ejif-10239	178	6	to	to	ADP
ejif-10239	178	7	the	the	DET
ejif-10239	178	8	operations	operation	NOUN
ejif-10239	178	9	of	of	ADP
ejif-10239	178	10	islamic	islamic	ADJ
ejif-10239	178	11	banks	bank	NOUN
ejif-10239	178	12	but	but	CCONJ
ejif-10239	178	13	also	also	ADV
ejif-10239	178	14	affect	affect	VERB
ejif-10239	178	15	the	the	DET
ejif-10239	178	16	broader	broad	ADJ
ejif-10239	178	17	economic	economic	ADJ
ejif-10239	178	18	landscape	landscape	NOUN
ejif-10239	178	19	,	,	PUNCT
ejif-10239	178	20	as	as	SCONJ
ejif-10239	178	21	depicted	depict	VERB
ejif-10239	178	22	in	in	ADP
ejif-10239	178	23	figure	figure	NOUN
ejif-10239	178	24	(	(	PUNCT
ejif-10239	178	25	03	03	NUM
ejif-10239	178	26	)	)	PUNCT
ejif-10239	178	27	.	.	PUNCT
ejif-10239	179	1	drawing	draw	VERB
ejif-10239	179	2	a	a	DET
ejif-10239	179	3	parallel	parallel	NOUN
ejif-10239	179	4	to	to	ADP
ejif-10239	179	5	the	the	DET
ejif-10239	179	6	deterministic	deterministic	ADJ
ejif-10239	179	7	yet	yet	CCONJ
ejif-10239	179	8	chaotic	chaotic	ADJ
ejif-10239	179	9	system	system	NOUN
ejif-10239	179	10	advanced	advance	VERB
ejif-10239	179	11	in	in	ADP
ejif-10239	179	12	lorenz	lorenz	PROPN
ejif-10239	179	13	's	's	PART
ejif-10239	179	14	butterfly	butterfly	NOUN
ejif-10239	179	15	effect	effect	NOUN
ejif-10239	179	16	,	,	PUNCT
ejif-10239	179	17	one	one	PRON
ejif-10239	179	18	might	might	AUX
ejif-10239	179	19	conceptualize	conceptualize	VERB
ejif-10239	179	20	how	how	SCONJ
ejif-10239	179	21	a	a	DET
ejif-10239	179	22	subtle	subtle	ADJ
ejif-10239	179	23	flutter	flutter	NOUN
ejif-10239	179	24	of	of	ADP
ejif-10239	179	25	a	a	DET
ejif-10239	179	26	butterfly	butterfly	NOUN
ejif-10239	179	27	’s	’s	PART
ejif-10239	179	28	wing	wing	NOUN
ejif-10239	179	29	in	in	ADP
ejif-10239	179	30	islamic	islamic	ADJ
ejif-10239	179	31	banking	banking	NOUN
ejif-10239	179	32	becomes	become	VERB
ejif-10239	179	33	instrumental	instrumental	ADJ
ejif-10239	179	34	,	,	PUNCT
ejif-10239	179	35	creating	create	VERB
ejif-10239	179	36	a	a	DET
ejif-10239	179	37	ripple	ripple	ADJ
ejif-10239	179	38	effect	effect	NOUN
ejif-10239	179	39	via	via	ADP
ejif-10239	179	40	advanced	advanced	ADJ
ejif-10239	179	41	fintech	fintech	NOUN
ejif-10239	179	42	integrations	integration	NOUN
ejif-10239	179	43	.	.	PUNCT
ejif-10239	180	1	this	this	DET
ejif-10239	180	2	effect	effect	NOUN
ejif-10239	180	3	ripples	ripple	VERB
ejif-10239	180	4	outward	outward	ADV
ejif-10239	180	5	,	,	PUNCT
ejif-10239	180	6	infiltrating	infiltrate	VERB
ejif-10239	180	7	the	the	DET
ejif-10239	180	8	larger	large	ADJ
ejif-10239	180	9	economic	economic	ADJ
ejif-10239	180	10	framework	framework	NOUN
ejif-10239	180	11	and	and	CCONJ
ejif-10239	180	12	potentially	potentially	ADV
ejif-10239	180	13	influencing	influence	VERB
ejif-10239	180	14	key	key	ADJ
ejif-10239	180	15	macroeconomic	macroeconomic	ADJ
ejif-10239	180	16	determinants	determinant	NOUN
ejif-10239	180	17	.	.	PUNCT
ejif-10239	181	1	this	this	DET
ejif-10239	181	2	influence	influence	NOUN
ejif-10239	181	3	encompasses	encompass	VERB
ejif-10239	181	4	gdp	gdp	NOUN
ejif-10239	181	5	growth	growth	NOUN
ejif-10239	181	6	trajectories	trajectory	NOUN
ejif-10239	181	7	and	and	CCONJ
ejif-10239	181	8	employment	employment	NOUN
ejif-10239	181	9	equilibria	equilibrium	NOUN
ejif-10239	181	10	and	and	CCONJ
ejif-10239	181	11	significantly	significantly	ADV
ejif-10239	181	12	contributes	contribute	VERB
ejif-10239	181	13	to	to	ADP
ejif-10239	181	14	fostering	foster	VERB
ejif-10239	181	15	enhanced	enhanced	ADJ
ejif-10239	181	16	financial	financial	ADJ
ejif-10239	181	17	inclusion	inclusion	NOUN
ejif-10239	181	18	across	across	ADP
ejif-10239	181	19	the	the	DET
ejif-10239	181	20	broader	broad	ADJ
ejif-10239	181	21	economic	economic	ADJ
ejif-10239	181	22	spectrum	spectrum	NOUN
ejif-10239	181	23	.	.	PUNCT
ejif-10239	182	1	on	on	ADP
ejif-10239	182	2	the	the	DET
ejif-10239	182	3	household	household	NOUN
ejif-10239	182	4	front	front	NOUN
ejif-10239	182	5	,	,	PUNCT
ejif-10239	182	6	the	the	DET
ejif-10239	182	7	butterfly	butterfly	NOUN
ejif-10239	182	8	effect	effect	NOUN
ejif-10239	182	9	signals	signal	VERB
ejif-10239	182	10	a	a	DET
ejif-10239	182	11	paradigm	paradigm	NOUN
ejif-10239	182	12	shift	shift	NOUN
ejif-10239	182	13	in	in	ADP
ejif-10239	182	14	personal	personal	ADJ
ejif-10239	182	15	financial	financial	ADJ
ejif-10239	182	16	management	management	NOUN
ejif-10239	182	17	.	.	PUNCT
ejif-10239	183	1	families	family	NOUN
ejif-10239	183	2	and	and	CCONJ
ejif-10239	183	3	individuals	individual	NOUN
ejif-10239	183	4	might	might	AUX
ejif-10239	183	5	experience	experience	VERB
ejif-10239	183	6	european	european	PROPN
ejif-10239	183	7	journal	journal	PROPN
ejif-10239	183	8	of	of	ADP
ejif-10239	183	9	islamic	islamic	PROPN
ejif-10239	183	10	finance	finance	PROPN
ejif-10239	183	11	issn	issn	PROPN
ejif-10239	183	12	:	:	PUNCT
ejif-10239	183	13	2421	2421	NUM
ejif-10239	183	14	-	-	SYM
ejif-10239	183	15	2172	2172	NUM
ejif-10239	183	16	doi	doi	NOUN
ejif-10239	183	17	:	:	PUNCT
ejif-10239	183	18	10.13135/2421	10.13135/2421	NUM
ejif-10239	183	19	-	-	SYM
ejif-10239	183	20	2172/10239	2172/10239	NUM
ejif-10239	183	21	published	publish	VERB
ejif-10239	183	22	by	by	ADP
ejif-10239	183	23	university	university	PROPN
ejif-10239	183	24	of	of	ADP
ejif-10239	183	25	turin	turin	PROPN
ejif-10239	184	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	184	2	ejif	ejif	PROPN
ejif-10239	184	3	content	content	NOUN
ejif-10239	184	4	is	be	AUX
ejif-10239	184	5	licensed	license	VERB
ejif-10239	184	6	under	under	ADP
ejif-10239	184	7	a	a	DET
ejif-10239	184	8	creative	creative	ADJ
ejif-10239	184	9	commons	common	NOUN
ejif-10239	184	10	attribution	attribution	NOUN
ejif-10239	184	11	4.0	4.0	NUM
ejif-10239	184	12	international	international	ADJ
ejif-10239	184	13	license	license	NOUN
ejif-10239	184	14	44	44	NUM
ejif-10239	184	15	more	more	ADJ
ejif-10239	184	16	personalized	personalized	ADJ
ejif-10239	184	17	banking	banking	NOUN
ejif-10239	184	18	services	service	NOUN
ejif-10239	184	19	,	,	PUNCT
ejif-10239	184	20	better	well	ADJ
ejif-10239	184	21	investment	investment	NOUN
ejif-10239	184	22	advice	advice	NOUN
ejif-10239	184	23	tailored	tailor	VERB
ejif-10239	184	24	to	to	ADP
ejif-10239	184	25	shariah	shariah	PROPN
ejif-10239	184	26	-	-	PUNCT
ejif-10239	184	27	compliant	compliant	ADJ
ejif-10239	184	28	products	product	NOUN
ejif-10239	184	29	,	,	PUNCT
ejif-10239	184	30	and	and	CCONJ
ejif-10239	184	31	enhanced	enhance	VERB
ejif-10239	184	32	digital	digital	ADJ
ejif-10239	184	33	security	security	NOUN
ejif-10239	184	34	,	,	PUNCT
ejif-10239	184	35	making	make	VERB
ejif-10239	184	36	online	online	ADJ
ejif-10239	184	37	transactions	transaction	NOUN
ejif-10239	184	38	safer	safe	ADJ
ejif-10239	184	39	.	.	PUNCT
ejif-10239	185	1	3.1	3.1	NUM
ejif-10239	185	2	.	.	PUNCT
ejif-10239	186	1	variables	variable	NOUN
ejif-10239	186	2	selection	selection	NOUN
ejif-10239	186	3	and	and	CCONJ
ejif-10239	186	4	data	datum	NOUN
ejif-10239	186	5	collection	collection	NOUN
ejif-10239	186	6	to	to	PART
ejif-10239	186	7	achieve	achieve	VERB
ejif-10239	186	8	a	a	DET
ejif-10239	186	9	rich	rich	ADJ
ejif-10239	186	10	and	and	CCONJ
ejif-10239	186	11	multi	multi	ADJ
ejif-10239	186	12	-	-	ADJ
ejif-10239	186	13	layered	layered	ADJ
ejif-10239	186	14	empirical	empirical	ADJ
ejif-10239	186	15	analysis	analysis	NOUN
ejif-10239	186	16	,	,	PUNCT
ejif-10239	186	17	this	this	DET
ejif-10239	186	18	study	study	NOUN
ejif-10239	186	19	exploits	exploit	VERB
ejif-10239	186	20	different	different	ADJ
ejif-10239	186	21	variables	variable	NOUN
ejif-10239	186	22	organized	organize	VERB
ejif-10239	186	23	into	into	ADP
ejif-10239	186	24	four	four	NUM
ejif-10239	186	25	pillars	pillar	NOUN
ejif-10239	186	26	:	:	PUNCT
ejif-10239	186	27	fintech	fintech	NOUN
ejif-10239	186	28	,	,	PUNCT
ejif-10239	186	29	islamic	islamic	ADJ
ejif-10239	186	30	banking	banking	NOUN
ejif-10239	186	31	metrics	metric	NOUN
ejif-10239	186	32	,	,	PUNCT
ejif-10239	186	33	economic	economic	ADJ
ejif-10239	186	34	factors	factor	NOUN
ejif-10239	186	35	,	,	PUNCT
ejif-10239	186	36	and	and	CCONJ
ejif-10239	186	37	the	the	DET
ejif-10239	186	38	financial	financial	ADJ
ejif-10239	186	39	sector	sector	NOUN
ejif-10239	186	40	,	,	PUNCT
ejif-10239	186	41	presented	present	VERB
ejif-10239	186	42	and	and	CCONJ
ejif-10239	186	43	described	describe	VERB
ejif-10239	186	44	in	in	ADP
ejif-10239	186	45	table	table	NOUN
ejif-10239	186	46	1	1	NUM
ejif-10239	186	47	.	.	PUNCT
ejif-10239	187	1	in	in	ADP
ejif-10239	187	2	addition	addition	NOUN
ejif-10239	187	3	,	,	PUNCT
ejif-10239	187	4	the	the	DET
ejif-10239	187	5	study	study	NOUN
ejif-10239	187	6	examines	examine	VERB
ejif-10239	187	7	data	datum	NOUN
ejif-10239	187	8	for	for	ADP
ejif-10239	187	9	2008	2008	NUM
ejif-10239	187	10	-	-	SYM
ejif-10239	187	11	2022	2022	NUM
ejif-10239	187	12	,	,	PUNCT
ejif-10239	187	13	which	which	PRON
ejif-10239	187	14	encompasses	encompass	VERB
ejif-10239	187	15	pre	pre	ADJ
ejif-10239	187	16	-	-	ADJ
ejif-10239	187	17	pandemic	pandemic	ADJ
ejif-10239	187	18	,	,	PUNCT
ejif-10239	187	19	during	during	ADP
ejif-10239	187	20	a	a	DET
ejif-10239	187	21	pandemic	pandemic	ADJ
ejif-10239	187	22	and	and	CCONJ
ejif-10239	187	23	post	post	ADJ
ejif-10239	187	24	-	-	ADJ
ejif-10239	187	25	pandemic	pandemic	ADJ
ejif-10239	187	26	era	era	NOUN
ejif-10239	187	27	,	,	PUNCT
ejif-10239	187	28	where	where	SCONJ
ejif-10239	187	29	a	a	DET
ejif-10239	187	30	dummy	dummy	ADJ
ejif-10239	187	31	variable	variable	NOUN
ejif-10239	187	32	represents	represent	VERB
ejif-10239	187	33	the	the	DET
ejif-10239	187	34	covid-19	covid-19	PROPN
ejif-10239	187	35	pandemic	pandemic	ADJ
ejif-10239	187	36	crisis	crisis	NOUN
ejif-10239	187	37	.	.	PUNCT
ejif-10239	188	1	table	table	NOUN
ejif-10239	188	2	1	1	NUM
ejif-10239	188	3	.	.	PUNCT
ejif-10239	189	1	variables	variable	NOUN
ejif-10239	189	2	description	description	NOUN
ejif-10239	189	3	category	category	NOUN
ejif-10239	189	4	variable	variable	ADJ
ejif-10239	189	5	description	description	NOUN
ejif-10239	189	6	source	source	NOUN
ejif-10239	189	7	fintech	fintech	NOUN
ejif-10239	189	8	fadi	fadi	NOUN
ejif-10239	189	9	fintech	fintech	NOUN
ejif-10239	189	10	adoption	adoption	NOUN
ejif-10239	189	11	index	index	NOUN
ejif-10239	189	12	calculated	calculate	VERB
ejif-10239	189	13	using	use	VERB
ejif-10239	189	14	pca	pca	PROPN
ejif-10239	189	15	islamic	islamic	ADJ
ejif-10239	189	16	banking	banking	NOUN
ejif-10239	189	17	metrics	metric	NOUN
ejif-10239	189	18	roa	roa	PROPN
ejif-10239	189	19	return	return	VERB
ejif-10239	189	20	on	on	ADP
ejif-10239	189	21	assets	asset	NOUN
ejif-10239	189	22	for	for	ADP
ejif-10239	189	23	islamic	islamic	ADJ
ejif-10239	189	24	banking	banking	NOUN
ejif-10239	189	25	s&p	s&p	PROPN
ejif-10239	189	26	global	global	NOUN
ejif-10239	189	27	,	,	PUNCT
ejif-10239	189	28	capital	capital	NOUN
ejif-10239	189	29	iq	iq	PROPN
ejif-10239	189	30	roe	roe	PROPN
ejif-10239	189	31	return	return	NOUN
ejif-10239	189	32	on	on	ADP
ejif-10239	189	33	equity	equity	NOUN
ejif-10239	189	34	for	for	ADP
ejif-10239	189	35	islamic	islamic	ADJ
ejif-10239	189	36	banking	banking	NOUN
ejif-10239	189	37	s&p	s&p	PROPN
ejif-10239	189	38	global	global	NOUN
ejif-10239	189	39	,	,	PUNCT
ejif-10239	189	40	capital	capital	NOUN
ejif-10239	189	41	iq	iq	NOUN
ejif-10239	189	42	economic	economic	ADJ
ejif-10239	189	43	indicators	indicator	NOUN
ejif-10239	189	44	gdp	gdp	VERB
ejif-10239	189	45	gross	gross	ADJ
ejif-10239	189	46	domestic	domestic	ADJ
ejif-10239	189	47	product	product	NOUN
ejif-10239	189	48	bank	bank	NOUN
ejif-10239	189	49	negara	negara	PROPN
ejif-10239	189	50	malaysia	malaysia	PROPN
ejif-10239	189	51	unemp	unemp	PROPN
ejif-10239	189	52	unemployment	unemployment	NOUN
ejif-10239	189	53	rate	rate	NOUN
ejif-10239	189	54	asian	asian	PROPN
ejif-10239	189	55	development	development	PROPN
ejif-10239	189	56	bank	bank	PROPN
ejif-10239	189	57	consumption	consumption	NOUN
ejif-10239	189	58	household	household	NOUN
ejif-10239	189	59	consumption	consumption	NOUN
ejif-10239	189	60	induryt	induryt	NOUN
ejif-10239	189	61	industry	industry	NOUN
ejif-10239	189	62	's	's	PART
ejif-10239	189	63	share	share	NOUN
ejif-10239	189	64	to	to	ADP
ejif-10239	189	65	gdp	gdp	NOUN
ejif-10239	189	66	financial	financial	ADJ
ejif-10239	189	67	sector	sector	NOUN
ejif-10239	189	68	f&i	f&i	PROPN
ejif-10239	189	69	financial	financial	ADJ
ejif-10239	189	70	and	and	CCONJ
ejif-10239	189	71	insurance	insurance	NOUN
ejif-10239	189	72	services	service	NOUN
ejif-10239	189	73	asian	asian	PROPN
ejif-10239	189	74	development	development	PROPN
ejif-10239	189	75	bank	bank	PROPN
ejif-10239	189	76	corp_tax	corp_tax	NUM
ejif-10239	189	77	corporate	corporate	ADJ
ejif-10239	189	78	tax	tax	NOUN
ejif-10239	189	79	rate	rate	NOUN
ejif-10239	189	80	capital	capital	NOUN
ejif-10239	189	81	iq	iq	PROPN
ejif-10239	189	82	source	source	NOUN
ejif-10239	189	83	:	:	PUNCT
ejif-10239	189	84	authors	author	NOUN
ejif-10239	189	85	’	'	PUNCT
ejif-10239	189	86	elaboration	elaboration	NOUN
ejif-10239	189	87	3.2	3.2	NUM
ejif-10239	189	88	.	.	PUNCT
ejif-10239	190	1	construction	construction	NOUN
ejif-10239	190	2	fadi	fadi	NOUN
ejif-10239	190	3	using	use	VERB
ejif-10239	190	4	principal	principal	ADJ
ejif-10239	190	5	component	component	NOUN
ejif-10239	190	6	analysis	analysis	NOUN
ejif-10239	190	7	(	(	PUNCT
ejif-10239	190	8	pca	pca	NOUN
ejif-10239	190	9	)	)	PUNCT
ejif-10239	190	10	principal	principal	NOUN
ejif-10239	190	11	component	component	NOUN
ejif-10239	190	12	analysis	analysis	NOUN
ejif-10239	190	13	(	(	PUNCT
ejif-10239	190	14	pca	pca	NOUN
ejif-10239	190	15	)	)	PUNCT
ejif-10239	190	16	is	be	AUX
ejif-10239	190	17	a	a	DET
ejif-10239	190	18	statistical	statistical	ADJ
ejif-10239	190	19	methodology	methodology	NOUN
ejif-10239	190	20	used	use	VERB
ejif-10239	190	21	to	to	PART
ejif-10239	190	22	convert	convert	VERB
ejif-10239	190	23	original	original	ADJ
ejif-10239	190	24	variables	variable	NOUN
ejif-10239	190	25	into	into	ADP
ejif-10239	190	26	a	a	DET
ejif-10239	190	27	new	new	ADJ
ejif-10239	190	28	set	set	NOUN
ejif-10239	190	29	of	of	ADP
ejif-10239	190	30	variables	variable	NOUN
ejif-10239	190	31	,	,	PUNCT
ejif-10239	190	32	termed	term	VERB
ejif-10239	190	33	principal	principal	ADJ
ejif-10239	190	34	components	component	NOUN
ejif-10239	190	35	,	,	PUNCT
ejif-10239	190	36	which	which	PRON
ejif-10239	190	37	capture	capture	VERB
ejif-10239	190	38	the	the	DET
ejif-10239	190	39	maximum	maximum	ADJ
ejif-10239	190	40	variance	variance	NOUN
ejif-10239	190	41	from	from	ADP
ejif-10239	190	42	the	the	DET
ejif-10239	190	43	original	original	ADJ
ejif-10239	190	44	variables	variable	NOUN
ejif-10239	190	45	while	while	SCONJ
ejif-10239	190	46	being	be	AUX
ejif-10239	190	47	orthogonal	orthogonal	ADJ
ejif-10239	190	48	to	to	ADP
ejif-10239	190	49	each	each	DET
ejif-10239	190	50	other	other	ADJ
ejif-10239	190	51	(	(	PUNCT
ejif-10239	190	52	jolliffe	jolliffe	PROPN
ejif-10239	190	53	,	,	PUNCT
ejif-10239	190	54	2002	2002	NUM
ejif-10239	190	55	)	)	PUNCT
ejif-10239	190	56	.	.	PUNCT
ejif-10239	191	1	given	give	VERB
ejif-10239	191	2	its	its	PRON
ejif-10239	191	3	capability	capability	NOUN
ejif-10239	191	4	to	to	PART
ejif-10239	191	5	diminish	diminish	VERB
ejif-10239	191	6	dimensionality	dimensionality	NOUN
ejif-10239	191	7	without	without	ADP
ejif-10239	191	8	compromising	compromise	VERB
ejif-10239	191	9	significant	significant	ADJ
ejif-10239	191	10	information	information	NOUN
ejif-10239	191	11	,	,	PUNCT
ejif-10239	191	12	pca	pca	PROPN
ejif-10239	191	13	serves	serve	VERB
ejif-10239	191	14	as	as	ADP
ejif-10239	191	15	a	a	DET
ejif-10239	191	16	pertinent	pertinent	ADJ
ejif-10239	191	17	tool	tool	NOUN
ejif-10239	191	18	for	for	ADP
ejif-10239	191	19	constructing	construct	VERB
ejif-10239	191	20	the	the	DET
ejif-10239	191	21	fintech	fintech	NOUN
ejif-10239	191	22	adoption	adoption	NOUN
ejif-10239	191	23	index	index	NOUN
ejif-10239	191	24	fadi	fadi	NOUN
ejif-10239	191	25	components	component	NOUN
ejif-10239	191	26	for	for	ADP
ejif-10239	191	27	fadi	fadi	NOUN
ejif-10239	191	28	and	and	CCONJ
ejif-10239	191	29	their	their	PRON
ejif-10239	191	30	corresponding	correspond	VERB
ejif-10239	191	31	fintech	fintech	NOUN
ejif-10239	191	32	pillars	pillar	NOUN
ejif-10239	191	33	:	:	PUNCT
ejif-10239	191	34	fintech	fintech	NOUN
ejif-10239	191	35	's	's	PART
ejif-10239	191	36	multidimensional	multidimensional	ADJ
ejif-10239	191	37	nature	nature	NOUN
ejif-10239	191	38	is	be	AUX
ejif-10239	191	39	represented	represent	VERB
ejif-10239	191	40	by	by	ADP
ejif-10239	191	41	several	several	ADJ
ejif-10239	191	42	core	core	NOUN
ejif-10239	191	43	pillars	pillar	NOUN
ejif-10239	191	44	:	:	PUNCT
ejif-10239	191	45	money	money	NOUN
ejif-10239	191	46	alternatives	alternative	NOUN
ejif-10239	191	47	,	,	PUNCT
ejif-10239	191	48	capital	capital	NOUN
ejif-10239	191	49	intermediation	intermediation	NOUN
ejif-10239	191	50	,	,	PUNCT
ejif-10239	191	51	investech	investech	NOUN
ejif-10239	191	52	(	(	PUNCT
ejif-10239	191	53	huong	huong	PROPN
ejif-10239	191	54	et	et	PROPN
ejif-10239	191	55	al	al	PROPN
ejif-10239	191	56	.	.	PROPN
ejif-10239	191	57	,	,	PUNCT
ejif-10239	191	58	2021	2021	NUM
ejif-10239	191	59	)	)	PUNCT
ejif-10239	191	60	.	.	PUNCT
ejif-10239	192	1	each	each	PRON
ejif-10239	192	2	of	of	ADP
ejif-10239	192	3	these	these	DET
ejif-10239	192	4	pillars	pillar	NOUN
ejif-10239	192	5	captures	capture	VERB
ejif-10239	192	6	a	a	DET
ejif-10239	192	7	range	range	NOUN
ejif-10239	192	8	of	of	ADP
ejif-10239	192	9	services	service	NOUN
ejif-10239	192	10	and	and	CCONJ
ejif-10239	192	11	innovations	innovation	NOUN
ejif-10239	192	12	transforming	transform	VERB
ejif-10239	192	13	the	the	DET
ejif-10239	192	14	financial	financial	ADJ
ejif-10239	192	15	landscape	landscape	NOUN
ejif-10239	192	16	.	.	PUNCT
ejif-10239	193	1	the	the	DET
ejif-10239	193	2	components	component	NOUN
ejif-10239	193	3	chosen	choose	VERB
ejif-10239	193	4	are	be	AUX
ejif-10239	193	5	situated	situate	VERB
ejif-10239	193	6	within	within	ADP
ejif-10239	193	7	these	these	DET
ejif-10239	193	8	broader	broad	ADJ
ejif-10239	193	9	categories	category	NOUN
ejif-10239	193	10	as	as	SCONJ
ejif-10239	193	11	follows	follow	VERB
ejif-10239	193	12	:	:	PUNCT
ejif-10239	193	13	e	e	NOUN
ejif-10239	193	14	-	-	NOUN
ejif-10239	193	15	money	money	NOUN
ejif-10239	193	16	(	(	PUNCT
ejif-10239	193	17	money	money	NOUN
ejif-10239	193	18	alternatives	alternative	NOUN
ejif-10239	193	19	):	):	PUNCT
ejif-10239	193	20	e	e	NOUN
ejif-10239	193	21	-	-	NOUN
ejif-10239	193	22	money	money	NOUN
ejif-10239	193	23	exemplifies	exemplify	VERB
ejif-10239	193	24	the	the	DET
ejif-10239	193	25	innovations	innovation	NOUN
ejif-10239	193	26	under	under	ADP
ejif-10239	193	27	the	the	DET
ejif-10239	193	28	money	money	NOUN
ejif-10239	193	29	alternatives	alternative	NOUN
ejif-10239	193	30	pillar	pillar	NOUN
ejif-10239	193	31	.	.	PUNCT
ejif-10239	194	1	it	it	PRON
ejif-10239	194	2	transcends	transcend	VERB
ejif-10239	194	3	traditional	traditional	ADJ
ejif-10239	194	4	transaction	transaction	NOUN
ejif-10239	194	5	modes	mode	NOUN
ejif-10239	194	6	,	,	PUNCT
ejif-10239	194	7	encompassing	encompass	VERB
ejif-10239	194	8	cryptocurrency	cryptocurrency	NOUN
ejif-10239	194	9	and	and	CCONJ
ejif-10239	194	10	external	external	ADJ
ejif-10239	194	11	bank	bank	NOUN
ejif-10239	194	12	payment	payment	NOUN
ejif-10239	194	13	systems	system	NOUN
ejif-10239	194	14	(	(	PUNCT
ejif-10239	194	15	dahlberg	dahlberg	PROPN
ejif-10239	194	16	et	et	PROPN
ejif-10239	194	17	al	al	PROPN
ejif-10239	194	18	.	.	PROPN
ejif-10239	194	19	,	,	PUNCT
ejif-10239	194	20	2015	2015	NUM
ejif-10239	194	21	)	)	PUNCT
ejif-10239	194	22	.	.	PUNCT
ejif-10239	195	1	atm	atm	PROPN
ejif-10239	195	2	(	(	PUNCT
ejif-10239	195	3	capital	capital	NOUN
ejif-10239	195	4	intermediation	intermediation	NOUN
ejif-10239	195	5	pillar	pillar	NOUN
ejif-10239	195	6	):	):	PUNCT
ejif-10239	195	7	atms	atms	PROPN
ejif-10239	195	8	resonate	resonate	VERB
ejif-10239	195	9	with	with	ADP
ejif-10239	195	10	capital	capital	NOUN
ejif-10239	195	11	intermediation	intermediation	NOUN
ejif-10239	195	12	,	,	PUNCT
ejif-10239	195	13	given	give	VERB
ejif-10239	195	14	their	their	PRON
ejif-10239	195	15	critical	critical	ADJ
ejif-10239	195	16	role	role	NOUN
ejif-10239	195	17	in	in	ADP
ejif-10239	195	18	facilitating	facilitate	VERB
ejif-10239	195	19	physical	physical	ADJ
ejif-10239	195	20	access	access	NOUN
ejif-10239	195	21	to	to	ADP
ejif-10239	195	22	digitalized	digitalize	VERB
ejif-10239	195	23	banking	banking	NOUN
ejif-10239	195	24	services	service	NOUN
ejif-10239	195	25	(	(	PUNCT
ejif-10239	195	26	legowo	legowo	NOUN
ejif-10239	195	27	et	et	PROPN
ejif-10239	195	28	al	al	PROPN
ejif-10239	195	29	.	.	PROPN
ejif-10239	195	30	,	,	PUNCT
ejif-10239	195	31	2021	2021	NUM
ejif-10239	195	32	)	)	PUNCT
ejif-10239	195	33	.	.	PUNCT
ejif-10239	196	1	mobile	mobile	ADJ
ejif-10239	196	2	banking	banking	NOUN
ejif-10239	196	3	(	(	PUNCT
ejif-10239	196	4	capital	capital	NOUN
ejif-10239	196	5	intermediation	intermediation	NOUN
ejif-10239	196	6	and	and	CCONJ
ejif-10239	196	7	investec	investec	ADJ
ejif-10239	196	8	pillar	pillar	NOUN
ejif-10239	196	9	):	):	PUNCT
ejif-10239	196	10	mobile	mobile	ADJ
ejif-10239	196	11	banking	banking	NOUN
ejif-10239	196	12	,	,	PUNCT
ejif-10239	196	13	a	a	DET
ejif-10239	196	14	primary	primary	ADJ
ejif-10239	196	15	part	part	NOUN
ejif-10239	196	16	of	of	ADP
ejif-10239	196	17	digital	digital	ADJ
ejif-10239	196	18	banking	banking	NOUN
ejif-10239	196	19	,	,	PUNCT
ejif-10239	196	20	aligns	align	VERB
ejif-10239	196	21	with	with	ADP
ejif-10239	196	22	capital	capital	NOUN
ejif-10239	196	23	intermediation	intermediation	NOUN
ejif-10239	196	24	.	.	PUNCT
ejif-10239	197	1	additionally	additionally	ADV
ejif-10239	197	2	,	,	PUNCT
ejif-10239	197	3	the	the	DET
ejif-10239	197	4	ever	ever	ADV
ejif-10239	197	5	-	-	PUNCT
ejif-10239	197	6	expanding	expand	VERB
ejif-10239	197	7	suite	suite	NOUN
ejif-10239	197	8	of	of	ADP
ejif-10239	197	9	services	service	NOUN
ejif-10239	197	10	offered	offer	VERB
ejif-10239	197	11	through	through	ADP
ejif-10239	197	12	mobile	mobile	ADJ
ejif-10239	197	13	banking	banking	NOUN
ejif-10239	197	14	apps	app	NOUN
ejif-10239	197	15	also	also	ADV
ejif-10239	197	16	intersects	intersect	VERB
ejif-10239	197	17	with	with	ADP
ejif-10239	197	18	investech	investech	NOUN
ejif-10239	197	19	,	,	PUNCT
ejif-10239	197	20	especially	especially	ADV
ejif-10239	197	21	when	when	SCONJ
ejif-10239	197	22	considering	consider	VERB
ejif-10239	197	23	functionalities	functionality	NOUN
ejif-10239	197	24	like	like	ADP
ejif-10239	197	25	investment	investment	NOUN
ejif-10239	197	26	apps	app	NOUN
ejif-10239	197	27	and	and	CCONJ
ejif-10239	197	28	financial	financial	ADJ
ejif-10239	197	29	intelligence	intelligence	NOUN
ejif-10239	197	30	(	(	PUNCT
ejif-10239	197	31	tam	tam	PROPN
ejif-10239	197	32	&	&	CCONJ
ejif-10239	197	33	oliveira	oliveira	PROPN
ejif-10239	197	34	,	,	PUNCT
ejif-10239	197	35	2017	2017	NUM
ejif-10239	197	36	)	)	PUNCT
ejif-10239	197	37	.	.	PUNCT
ejif-10239	198	1	the	the	DET
ejif-10239	198	2	computation	computation	NOUN
ejif-10239	198	3	of	of	ADP
ejif-10239	198	4	fadi	fadi	NOUN
ejif-10239	198	5	,	,	PUNCT
ejif-10239	198	6	utilizing	utilize	VERB
ejif-10239	198	7	the	the	DET
ejif-10239	198	8	pca	pca	PROPN
ejif-10239	198	9	methodology	methodology	NOUN
ejif-10239	198	10	,	,	PUNCT
ejif-10239	198	11	proceeds	proceed	VERB
ejif-10239	198	12	through	through	ADP
ejif-10239	198	13	various	various	ADJ
ejif-10239	198	14	stages	stage	NOUN
ejif-10239	198	15	,	,	PUNCT
ejif-10239	198	16	as	as	SCONJ
ejif-10239	198	17	presented	present	VERB
ejif-10239	198	18	in	in	ADP
ejif-10239	198	19	figure	figure	NOUN
ejif-10239	198	20	4	4	NUM
ejif-10239	198	21	.	.	PUNCT
ejif-10239	198	22	figure	figure	VERB
ejif-10239	198	23	4	4	NUM
ejif-10239	198	24	.	.	PUNCT
ejif-10239	198	25	steps	step	NOUN
ejif-10239	198	26	of	of	ADP
ejif-10239	198	27	pca	pca	PROPN
ejif-10239	198	28	european	european	PROPN
ejif-10239	198	29	journal	journal	PROPN
ejif-10239	198	30	of	of	ADP
ejif-10239	198	31	islamic	islamic	PROPN
ejif-10239	198	32	finance	finance	PROPN
ejif-10239	198	33	issn	issn	PROPN
ejif-10239	198	34	:	:	PUNCT
ejif-10239	198	35	2421	2421	NUM
ejif-10239	198	36	-	-	SYM
ejif-10239	198	37	2172	2172	NUM
ejif-10239	198	38	doi	doi	NOUN
ejif-10239	198	39	:	:	PUNCT
ejif-10239	198	40	10.13135/2421	10.13135/2421	NUM
ejif-10239	198	41	-	-	SYM
ejif-10239	198	42	2172/10239	2172/10239	NUM
ejif-10239	198	43	published	publish	VERB
ejif-10239	198	44	by	by	ADP
ejif-10239	198	45	university	university	PROPN
ejif-10239	198	46	of	of	ADP
ejif-10239	198	47	turin	turin	PROPN
ejif-10239	199	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	199	2	ejif	ejif	PROPN
ejif-10239	199	3	content	content	NOUN
ejif-10239	199	4	is	be	AUX
ejif-10239	199	5	licensed	license	VERB
ejif-10239	199	6	under	under	ADP
ejif-10239	199	7	a	a	DET
ejif-10239	199	8	creative	creative	ADJ
ejif-10239	199	9	commons	common	NOUN
ejif-10239	199	10	attribution	attribution	NOUN
ejif-10239	199	11	4.0	4.0	NUM
ejif-10239	199	12	international	international	ADJ
ejif-10239	199	13	license	license	NOUN
ejif-10239	199	14	45	45	NUM
ejif-10239	199	15	source	source	NOUN
ejif-10239	199	16	:	:	PUNCT
ejif-10239	199	17	author	author	NOUN
ejif-10239	199	18	’s	’s	PART
ejif-10239	199	19	elaboration	elaboration	NOUN
ejif-10239	199	20	on	on	ADP
ejif-10239	199	21	jaadi	jaadi	NOUN
ejif-10239	199	22	(	(	PUNCT
ejif-10239	199	23	2021	2021	NUM
ejif-10239	199	24	)	)	PUNCT
ejif-10239	199	25	3.3	3.3	NUM
ejif-10239	199	26	.	.	PUNCT
ejif-10239	200	1	building	build	VERB
ejif-10239	200	2	the	the	DET
ejif-10239	200	3	var	var	NOUN
ejif-10239	200	4	model	model	NOUN
ejif-10239	200	5	the	the	DET
ejif-10239	200	6	evolution	evolution	NOUN
ejif-10239	200	7	of	of	ADP
ejif-10239	200	8	islamic	islamic	ADJ
ejif-10239	200	9	banking	banking	NOUN
ejif-10239	200	10	,	,	PUNCT
ejif-10239	200	11	influenced	influence	VERB
ejif-10239	200	12	by	by	ADP
ejif-10239	200	13	the	the	DET
ejif-10239	200	14	flutter	flutter	NOUN
ejif-10239	200	15	of	of	ADP
ejif-10239	200	16	digitalization	digitalization	NOUN
ejif-10239	200	17	,	,	PUNCT
ejif-10239	200	18	merits	merit	VERB
ejif-10239	200	19	a	a	DET
ejif-10239	200	20	thorough	thorough	ADJ
ejif-10239	200	21	investigation	investigation	NOUN
ejif-10239	200	22	.	.	PUNCT
ejif-10239	201	1	thus	thus	ADV
ejif-10239	201	2	,	,	PUNCT
ejif-10239	201	3	it	it	PRON
ejif-10239	201	4	is	be	AUX
ejif-10239	201	5	paramount	paramount	ADJ
ejif-10239	201	6	to	to	PART
ejif-10239	201	7	opt	opt	VERB
ejif-10239	201	8	for	for	ADP
ejif-10239	201	9	an	an	DET
ejif-10239	201	10	approach	approach	NOUN
ejif-10239	201	11	that	that	PRON
ejif-10239	201	12	acknowledges	acknowledge	VERB
ejif-10239	201	13	the	the	DET
ejif-10239	201	14	constrained	constrained	ADJ
ejif-10239	201	15	dimensions	dimension	NOUN
ejif-10239	201	16	of	of	ADP
ejif-10239	201	17	our	our	PRON
ejif-10239	201	18	dataset	dataset	NOUN
ejif-10239	201	19	.	.	PUNCT
ejif-10239	202	1	the	the	DET
ejif-10239	202	2	bayesian	bayesian	NOUN
ejif-10239	202	3	var	var	NOUN
ejif-10239	202	4	methodology	methodology	NOUN
ejif-10239	202	5	emerges	emerge	VERB
ejif-10239	202	6	as	as	ADP
ejif-10239	202	7	an	an	DET
ejif-10239	202	8	appropriate	appropriate	ADJ
ejif-10239	202	9	choice	choice	NOUN
ejif-10239	202	10	(	(	PUNCT
ejif-10239	202	11	figure	figure	NOUN
ejif-10239	202	12	5	5	NUM
ejif-10239	202	13	)	)	PUNCT
ejif-10239	202	14	.	.	PUNCT
ejif-10239	203	1	it	it	PRON
ejif-10239	203	2	offers	offer	VERB
ejif-10239	203	3	a	a	DET
ejif-10239	203	4	holistic	holistic	ADJ
ejif-10239	203	5	platform	platform	NOUN
ejif-10239	203	6	that	that	PRON
ejif-10239	203	7	judiciously	judiciously	ADV
ejif-10239	203	8	melds	meld	VERB
ejif-10239	203	9	prior	prior	ADJ
ejif-10239	203	10	information	information	NOUN
ejif-10239	203	11	into	into	ADP
ejif-10239	203	12	the	the	DET
ejif-10239	203	13	analytical	analytical	ADJ
ejif-10239	203	14	process	process	NOUN
ejif-10239	203	15	,	,	PUNCT
ejif-10239	203	16	allowing	allow	VERB
ejif-10239	203	17	it	it	PRON
ejif-10239	203	18	to	to	PART
ejif-10239	203	19	navigate	navigate	VERB
ejif-10239	203	20	the	the	DET
ejif-10239	203	21	constraints	constraint	NOUN
ejif-10239	203	22	of	of	ADP
ejif-10239	203	23	a	a	DET
ejif-10239	203	24	smaller	small	ADJ
ejif-10239	203	25	sample	sample	NOUN
ejif-10239	203	26	size	size	NOUN
ejif-10239	203	27	while	while	SCONJ
ejif-10239	203	28	maintaining	maintain	VERB
ejif-10239	203	29	the	the	DET
ejif-10239	203	30	precision	precision	NOUN
ejif-10239	203	31	of	of	ADP
ejif-10239	203	32	inferences	inference	NOUN
ejif-10239	203	33	(	(	PUNCT
ejif-10239	203	34	tsagkanos	tsagkano	NOUN
ejif-10239	203	35	et	et	PROPN
ejif-10239	203	36	al	al	PROPN
ejif-10239	203	37	.	.	PROPN
ejif-10239	203	38	,	,	PUNCT
ejif-10239	203	39	2022	2022	NUM
ejif-10239	203	40	)	)	PUNCT
ejif-10239	203	41	.	.	PUNCT
ejif-10239	204	1	building	build	VERB
ejif-10239	204	2	upon	upon	SCONJ
ejif-10239	204	3	insights	insight	NOUN
ejif-10239	204	4	from	from	ADP
ejif-10239	204	5	ciccarelli	ciccarelli	PROPN
ejif-10239	204	6	&	&	CCONJ
ejif-10239	204	7	rebucci	rebucci	PROPN
ejif-10239	204	8	(	(	PUNCT
ejif-10239	204	9	2003	2003	NUM
ejif-10239	204	10	)	)	PUNCT
ejif-10239	204	11	and	and	CCONJ
ejif-10239	204	12	tsagkanos	tsagkano	NOUN
ejif-10239	204	13	et	et	PROPN
ejif-10239	204	14	al	al	PROPN
ejif-10239	204	15	.	.	PROPN
ejif-10239	205	1	(	(	PUNCT
ejif-10239	205	2	2022	2022	NUM
ejif-10239	205	3	)	)	PUNCT
ejif-10239	205	4	,	,	PUNCT
ejif-10239	205	5	let	let	VERB
ejif-10239	205	6	the	the	DET
ejif-10239	205	7	var	var	NOUN
ejif-10239	205	8	model	model	NOUN
ejif-10239	205	9	:	:	PUNCT
ejif-10239	205	10	𝑌	𝑌	PROPN
ejif-10239	205	11	!	!	PUNCT
ejif-10239	206	1	=	=	SYM
ejif-10239	206	2	𝑋!𝛽	𝑋!𝛽	PROPN
ejif-10239	206	3	+	+	PROPN
ejif-10239	206	4	𝜀	𝜀	PROPN
ejif-10239	206	5	!	!	NOUN
ejif-10239	206	6	…	…	PUNCT
ejif-10239	206	7	(	(	PUNCT
ejif-10239	206	8	1	1	X
ejif-10239	206	9	)	)	PUNCT
ejif-10239	206	10	in	in	ADP
ejif-10239	206	11	this	this	DET
ejif-10239	206	12	context	context	NOUN
ejif-10239	206	13	•	•	ADP
ejif-10239	206	14	𝑌	𝑌	PROPN
ejif-10239	206	15	!	!	PUNCT
ejif-10239	206	16	is	be	AUX
ejif-10239	206	17	a	a	DET
ejif-10239	206	18	𝑛	𝑛	ADJ
ejif-10239	206	19	×	×	NOUN
ejif-10239	206	20	1	1	NUM
ejif-10239	206	21	vector	vector	NOUN
ejif-10239	206	22	of	of	ADP
ejif-10239	206	23	endogenous	endogenous	ADJ
ejif-10239	206	24	variables	variable	NOUN
ejif-10239	206	25	namely	namely	ADV
ejif-10239	206	26	,	,	PUNCT
ejif-10239	206	27	the	the	DET
ejif-10239	206	28	digital	digital	ADJ
ejif-10239	206	29	attributes	attribute	VERB
ejif-10239	206	30	within	within	ADP
ejif-10239	206	31	islamic	islamic	ADJ
ejif-10239	206	32	banking	banking	NOUN
ejif-10239	206	33	.	.	PUNCT
ejif-10239	207	1	•	•	NUM
ejif-10239	207	2	𝜀	𝜀	X
ejif-10239	207	3	!	!	PROPN
ejif-10239	207	4	is	be	AUX
ejif-10239	207	5	a	a	DET
ejif-10239	207	6	𝑛	𝑛	ADJ
ejif-10239	207	7	×	×	NOUN
ejif-10239	207	8	1	1	NUM
ejif-10239	207	9	vector	vector	NOUN
ejif-10239	207	10	of	of	ADP
ejif-10239	207	11	error	error	NOUN
ejif-10239	207	12	terms	term	NOUN
ejif-10239	207	13	that	that	PRON
ejif-10239	207	14	explains	explain	VERB
ejif-10239	207	15	the	the	DET
ejif-10239	207	16	random	random	ADJ
ejif-10239	207	17	disturbances	disturbance	NOUN
ejif-10239	207	18	,	,	PUNCT
ejif-10239	207	19	identically	identically	ADV
ejif-10239	207	20	and	and	CCONJ
ejif-10239	207	21	normally	normally	ADV
ejif-10239	207	22	distributed	distribute	VERB
ejif-10239	207	23	with	with	ADP
ejif-10239	207	24	variance	variance	NOUN
ejif-10239	207	25	covariance	covariance	NOUN
ejif-10239	207	26	matrix	matrix	NOUN
ejif-10239	207	27	σ	σ	PROPN
ejif-10239	207	28	,	,	PUNCT
ejif-10239	207	29	𝜀	𝜀	PROPN
ejif-10239	207	30	!	!	NOUN
ejif-10239	207	31	∼	∼	NOUN
ejif-10239	207	32	iin	iin	NOUN
ejif-10239	207	33	(	(	PUNCT
ejif-10239	207	34	0	0	NUM
ejif-10239	207	35	,	,	PUNCT
ejif-10239	207	36	σ	σ	PROPN
ejif-10239	207	37	)	)	PUNCT
ejif-10239	207	38	.	.	PUNCT
ejif-10239	208	1	•	•	NUM
ejif-10239	209	1	𝑋	𝑋	PROPN
ejif-10239	209	2	!	!	PROPN
ejif-10239	209	3	is	be	AUX
ejif-10239	209	4	a	a	DET
ejif-10239	209	5	matrix	matrix	NOUN
ejif-10239	209	6	n	n	DET
ejif-10239	209	7	×	×	NOUN
ejif-10239	209	8	𝑛𝑘	𝑛𝑘	NOUN
ejif-10239	209	9	and	and	CCONJ
ejif-10239	209	10	represents	represent	VERB
ejif-10239	209	11	the	the	DET
ejif-10239	209	12	set	set	NOUN
ejif-10239	209	13	of	of	ADP
ejif-10239	209	14	independent	independent	ADJ
ejif-10239	209	15	variables	variable	NOUN
ejif-10239	209	16	.	.	PUNCT
ejif-10239	210	1	•	•	NUM
ejif-10239	210	2	𝛽	𝛽	NOUN
ejif-10239	210	3	is	be	AUX
ejif-10239	210	4	𝑛𝑘	𝑛𝑘	ADP
ejif-10239	210	5	×	×	NOUN
ejif-10239	210	6	1	1	NUM
ejif-10239	210	7	and	and	CCONJ
ejif-10239	210	8	represents	represent	VERB
ejif-10239	210	9	the	the	DET
ejif-10239	210	10	coefficients	coefficient	NOUN
ejif-10239	210	11	that	that	PRON
ejif-10239	210	12	assess	assess	VERB
ejif-10239	210	13	the	the	DET
ejif-10239	210	14	relationship	relationship	NOUN
ejif-10239	210	15	between	between	ADP
ejif-10239	210	16	variables	variable	NOUN
ejif-10239	210	17	.	.	PUNCT
ejif-10239	211	1	the	the	DET
ejif-10239	211	2	bayesian	bayesian	NOUN
ejif-10239	211	3	structure	structure	NOUN
ejif-10239	211	4	,	,	PUNCT
ejif-10239	211	5	involving	involve	VERB
ejif-10239	211	6	both	both	CCONJ
ejif-10239	211	7	prior	prior	ADJ
ejif-10239	211	8	and	and	CCONJ
ejif-10239	211	9	posterior	posterior	ADJ
ejif-10239	211	10	distributions	distribution	NOUN
ejif-10239	211	11	of	of	ADP
ejif-10239	211	12	the	the	DET
ejif-10239	211	13	parameters	parameter	NOUN
ejif-10239	211	14	𝑝(𝛽	𝑝(𝛽	NOUN
ejif-10239	211	15	,	,	PUNCT
ejif-10239	211	16	σ	σ	PROPN
ejif-10239	211	17	)	)	PUNCT
ejif-10239	211	18	unfolds	unfold	VERB
ejif-10239	211	19	as	as	ADP
ejif-10239	211	20	:	:	PUNCT
ejif-10239	211	21	𝐿⟨𝑌	𝐿⟨𝑌	PROPN
ejif-10239	211	22	∣	∣	PROPN
ejif-10239	211	23	𝛽	𝛽	PROPN
ejif-10239	211	24	,	,	PUNCT
ejif-10239	211	25	σ⟩∅|σ|"𝕋!exp	σ⟩∅|σ|"𝕋!exp	PRON
ejif-10239	211	26	@−	@−	PROPN
ejif-10239	211	27	$	$	SYM
ejif-10239	211	28	%	%	NOUN
ejif-10239	211	29	∑	∑	PROPN
ejif-10239	211	30	!	!	PUNCT
ejif-10239	211	31	 	 	SPACE
ejif-10239	211	32	(	(	PUNCT
ejif-10239	211	33	𝑌	𝑌	PROPN
ejif-10239	211	34	!	!	PUNCT
ejif-10239	212	1	−	−	VERB
ejif-10239	212	2	𝑋!𝛽)&σ"$(𝑌	𝑋!𝛽)&σ"$(𝑌	NOUN
ejif-10239	212	3	!	!	PUNCT
ejif-10239	213	1	−	−	PUNCT
ejif-10239	214	1	𝑋!𝛽)d	𝑋!𝛽)d	NOUN
ejif-10239	214	2	…	…	SYM
ejif-10239	214	3	(	(	PUNCT
ejif-10239	214	4	2	2	NUM
ejif-10239	214	5	)	)	PUNCT
ejif-10239	214	6	𝑝⟨𝛽	𝑝⟨𝛽	NUM
ejif-10239	214	7	,	,	PUNCT
ejif-10239	214	8	σ	σ	PROPN
ejif-10239	214	9	∣	∣	ADJ
ejif-10239	214	10	𝑌⟩	𝑌⟩	PROPN
ejif-10239	214	11	=	=	PUNCT
ejif-10239	214	12	'	'	PUNCT
ejif-10239	214	13	(	(	PUNCT
ejif-10239	214	14	)	)	PUNCT
ejif-10239	214	15	,	,	PUNCT
ejif-10239	214	16	+	+	X
ejif-10239	214	17	)	)	PUNCT
ejif-10239	214	18	-.|),+⟩	-.|),+⟩	PROPN
ejif-10239	214	19	'	'	PUNCT
ejif-10239	214	20	(	(	PUNCT
ejif-10239	214	21	.	.	PUNCT
ejif-10239	214	22	)	)	PUNCT
ejif-10239	214	23	σ𝑝(𝛽	σ𝑝(𝛽	NOUN
ejif-10239	214	24	,	,	PUNCT
ejif-10239	214	25	σ)𝐿⟨𝑌	σ)𝐿⟨𝑌	PROPN
ejif-10239	214	26	∣	∣	PROPN
ejif-10239	214	27	𝛽	𝛽	PROPN
ejif-10239	214	28	,	,	PUNCT
ejif-10239	214	29	σ⟩	σ⟩	ADJ
ejif-10239	214	30	…	…	PUNCT
ejif-10239	214	31	(	(	PUNCT
ejif-10239	214	32	3	3	NUM
ejif-10239	214	33	)	)	PUNCT
ejif-10239	214	34	by	by	ADP
ejif-10239	214	35	analyzing	analyze	VERB
ejif-10239	214	36	𝑝⟨𝛽	𝑝⟨𝛽	NUM
ejif-10239	214	37	,	,	PUNCT
ejif-10239	214	38	σ	σ	PROPN
ejif-10239	214	39	∣	∣	PROPN
ejif-10239	214	40	𝑌⟩	𝑌⟩	PROPN
ejif-10239	214	41	,	,	PUNCT
ejif-10239	214	42	the	the	DET
ejif-10239	214	43	study	study	NOUN
ejif-10239	214	44	extracts	extract	VERB
ejif-10239	214	45	marginal	marginal	ADJ
ejif-10239	214	46	posterior	posterior	ADJ
ejif-10239	214	47	distributions	distribution	NOUN
ejif-10239	214	48	based	base	VERB
ejif-10239	214	49	on	on	ADP
ejif-10239	214	50	the	the	DET
ejif-10239	214	51	data	datum	NOUN
ejif-10239	214	52	,	,	PUNCT
ejif-10239	214	53	𝑝⟨σ	𝑝⟨σ	PROPN
ejif-10239	214	54	∣	∣	ADJ
ejif-10239	214	55	𝑌⟩	𝑌⟩	PROPN
ejif-10239	214	56	and	and	CCONJ
ejif-10239	214	57	𝑝⟨𝛽	𝑝⟨𝛽	NUM
ejif-10239	214	58	∣	∣	PROPN
ejif-10239	214	59	𝑌⟩	𝑌⟩	PROPN
ejif-10239	214	60	can	can	AUX
ejif-10239	214	61	be	be	AUX
ejif-10239	214	62	obtained	obtain	VERB
ejif-10239	214	63	by	by	ADP
ejif-10239	214	64	segregating	segregate	VERB
ejif-10239	214	65	𝛽	𝛽	PROPN
ejif-10239	214	66	and	and	CCONJ
ejif-10239	214	67	σ	σ	PROPN
ejif-10239	214	68	from	from	ADP
ejif-10239	214	69	𝑝⟨𝛽	𝑝⟨𝛽	NUM
ejif-10239	214	70	,	,	PUNCT
ejif-10239	214	71	σ	σ	PROPN
ejif-10239	214	72	∣	∣	ADJ
ejif-10239	214	73	𝑌⟩	𝑌⟩	PROPN
ejif-10239	214	74	respectively	respectively	ADV
ejif-10239	214	75	.	.	PUNCT
ejif-10239	215	1	data	datum	NOUN
ejif-10239	215	2	standarization	standarization	NOUN
ejif-10239	215	3	•standardizing	•standardize	VERB
ejif-10239	215	4	the	the	DET
ejif-10239	215	5	data	datum	NOUN
ejif-10239	215	6	ensures	ensure	VERB
ejif-10239	215	7	a	a	DET
ejif-10239	215	8	mean	mean	NOUN
ejif-10239	215	9	of	of	ADP
ejif-10239	215	10	zero	zero	NUM
ejif-10239	215	11	and	and	CCONJ
ejif-10239	215	12	a	a	DET
ejif-10239	215	13	standard	standard	ADJ
ejif-10239	215	14	deviation	deviation	NOUN
ejif-10239	215	15	of	of	ADP
ejif-10239	215	16	one	one	NUM
ejif-10239	215	17	covariance	covariance	NOUN
ejif-10239	215	18	/	/	SYM
ejif-10239	215	19	correl	correl	NOUN
ejif-10239	215	20	ation	ation	NOUN
ejif-10239	215	21	matrix	matrix	NOUN
ejif-10239	215	22	calculation	calculation	NOUN
ejif-10239	215	23	•helps	•help	VERB
ejif-10239	215	24	discern	discern	ADJ
ejif-10239	215	25	linear	linear	ADJ
ejif-10239	215	26	interdependencies	interdependency	NOUN
ejif-10239	215	27	between	between	ADP
ejif-10239	215	28	the	the	DET
ejif-10239	215	29	components	component	NOUN
ejif-10239	215	30	eigenvalue	eigenvalue	VERB
ejif-10239	215	31	decomposition	decomposition	NOUN
ejif-10239	215	32	•determine	•determine	VERB
ejif-10239	215	33	the	the	DET
ejif-10239	215	34	variance	variance	NOUN
ejif-10239	215	35	and	and	CCONJ
ejif-10239	215	36	weightage	weightage	NOUN
ejif-10239	215	37	of	of	ADP
ejif-10239	215	38	each	each	DET
ejif-10239	215	39	principal	principal	ADJ
ejif-10239	215	40	component	component	NOUN
ejif-10239	215	41	selecting	select	VERB
ejif-10239	215	42	principal	principal	ADJ
ejif-10239	215	43	components	component	NOUN
ejif-10239	215	44	•ensures	•ensure	NOUN
ejif-10239	215	45	capturing	capture	VERB
ejif-10239	215	46	significant	significant	ADJ
ejif-10239	215	47	data	datum	NOUN
ejif-10239	215	48	variance	variance	NOUN
ejif-10239	215	49	computing	computing	NOUN
ejif-10239	215	50	fadi	fadi	NOUN
ejif-10239	215	51	•computed	•compute	VERB
ejif-10239	215	52	using	use	VERB
ejif-10239	215	53	eigenvector	eigenvector	NOUN
ejif-10239	215	54	weights	weight	NOUN
ejif-10239	215	55	european	european	PROPN
ejif-10239	215	56	journal	journal	PROPN
ejif-10239	215	57	of	of	ADP
ejif-10239	215	58	islamic	islamic	PROPN
ejif-10239	215	59	finance	finance	PROPN
ejif-10239	215	60	issn	issn	PROPN
ejif-10239	215	61	:	:	PUNCT
ejif-10239	215	62	2421	2421	NUM
ejif-10239	215	63	-	-	SYM
ejif-10239	215	64	2172	2172	NUM
ejif-10239	215	65	doi	doi	NOUN
ejif-10239	215	66	:	:	PUNCT
ejif-10239	215	67	10.13135/2421	10.13135/2421	NUM
ejif-10239	215	68	-	-	SYM
ejif-10239	215	69	2172/10239	2172/10239	NUM
ejif-10239	215	70	published	publish	VERB
ejif-10239	215	71	by	by	ADP
ejif-10239	215	72	university	university	PROPN
ejif-10239	215	73	of	of	ADP
ejif-10239	215	74	turin	turin	PROPN
ejif-10239	216	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	216	2	ejif	ejif	PROPN
ejif-10239	216	3	content	content	NOUN
ejif-10239	216	4	is	be	AUX
ejif-10239	216	5	licensed	license	VERB
ejif-10239	216	6	under	under	ADP
ejif-10239	216	7	a	a	DET
ejif-10239	216	8	creative	creative	ADJ
ejif-10239	216	9	commons	common	NOUN
ejif-10239	216	10	attribution	attribution	NOUN
ejif-10239	216	11	4.0	4.0	NUM
ejif-10239	216	12	international	international	ADJ
ejif-10239	216	13	license	license	NOUN
ejif-10239	216	14	46	46	NUM
ejif-10239	216	15	the	the	DET
ejif-10239	216	16	parameters	parameter	NOUN
ejif-10239	216	17	'	'	PART
ejif-10239	216	18	posterior	posterior	ADJ
ejif-10239	216	19	distribution	distribution	NOUN
ejif-10239	216	20	combines	combine	VERB
ejif-10239	216	21	the	the	DET
ejif-10239	216	22	prior	prior	ADJ
ejif-10239	216	23	distribution	distribution	NOUN
ejif-10239	216	24	with	with	ADP
ejif-10239	216	25	the	the	DET
ejif-10239	216	26	likelihood	likelihood	NOUN
ejif-10239	216	27	function	function	NOUN
ejif-10239	216	28	derived	derive	VERB
ejif-10239	216	29	from	from	ADP
ejif-10239	216	30	the	the	DET
ejif-10239	216	31	data	datum	NOUN
ejif-10239	216	32	.	.	PUNCT
ejif-10239	217	1	bayes	bayes	PROPN
ejif-10239	217	2	'	'	PART
ejif-10239	217	3	theorem	theorem	NOUN
ejif-10239	217	4	is	be	AUX
ejif-10239	217	5	used	use	VERB
ejif-10239	217	6	to	to	PART
ejif-10239	217	7	update	update	VERB
ejif-10239	217	8	the	the	DET
ejif-10239	217	9	prior	prior	ADJ
ejif-10239	217	10	beliefs	belief	NOUN
ejif-10239	217	11	with	with	ADP
ejif-10239	217	12	the	the	DET
ejif-10239	217	13	observed	observe	VERB
ejif-10239	217	14	data	datum	NOUN
ejif-10239	217	15	,	,	PUNCT
ejif-10239	217	16	resulting	result	VERB
ejif-10239	217	17	in	in	ADP
ejif-10239	217	18	the	the	DET
ejif-10239	217	19	posterior	posterior	ADJ
ejif-10239	217	20	distribution	distribution	NOUN
ejif-10239	217	21	.	.	PUNCT
ejif-10239	218	1	in	in	ADP
ejif-10239	218	2	addition	addition	NOUN
ejif-10239	218	3	,	,	PUNCT
ejif-10239	218	4	aligning	align	VERB
ejif-10239	218	5	with	with	ADP
ejif-10239	218	6	our	our	PRON
ejif-10239	218	7	focus	focus	NOUN
ejif-10239	218	8	on	on	ADP
ejif-10239	218	9	the	the	DET
ejif-10239	218	10	digital	digital	ADJ
ejif-10239	218	11	nuances	nuance	NOUN
ejif-10239	218	12	in	in	ADP
ejif-10239	218	13	islamic	islamic	ADJ
ejif-10239	218	14	banking	banking	NOUN
ejif-10239	218	15	,	,	PUNCT
ejif-10239	218	16	this	this	DET
ejif-10239	218	17	study	study	NOUN
ejif-10239	218	18	leverages	leverage	VERB
ejif-10239	218	19	the	the	DET
ejif-10239	218	20	minnesota	minnesota	PROPN
ejif-10239	218	21	prior	prior	ADV
ejif-10239	218	22	,	,	PUNCT
ejif-10239	218	23	championed	champion	VERB
ejif-10239	218	24	by	by	ADP
ejif-10239	218	25	litterman	litterman	NOUN
ejif-10239	218	26	(	(	PUNCT
ejif-10239	218	27	1986	1986	NUM
ejif-10239	218	28	)	)	PUNCT
ejif-10239	218	29	.	.	PUNCT
ejif-10239	219	1	this	this	DET
ejif-10239	219	2	prior	prior	ADV
ejif-10239	219	3	is	be	AUX
ejif-10239	219	4	particularly	particularly	ADV
ejif-10239	219	5	useful	useful	ADJ
ejif-10239	219	6	in	in	ADP
ejif-10239	219	7	small	small	ADJ
ejif-10239	219	8	sample	sample	NOUN
ejif-10239	219	9	sizes	size	NOUN
ejif-10239	219	10	as	as	SCONJ
ejif-10239	219	11	it	it	PRON
ejif-10239	219	12	introduces	introduce	VERB
ejif-10239	219	13	shrinkage	shrinkage	VERB
ejif-10239	219	14	,	,	PUNCT
ejif-10239	219	15	which	which	PRON
ejif-10239	219	16	helps	help	VERB
ejif-10239	219	17	obtain	obtain	VERB
ejif-10239	219	18	more	more	ADV
ejif-10239	219	19	stable	stable	ADJ
ejif-10239	219	20	estimates	estimate	NOUN
ejif-10239	219	21	by	by	ADP
ejif-10239	219	22	pulling	pull	VERB
ejif-10239	219	23	them	they	PRON
ejif-10239	219	24	towards	towards	ADP
ejif-10239	219	25	a	a	DET
ejif-10239	219	26	prior	prior	ADJ
ejif-10239	219	27	mean	mean	NOUN
ejif-10239	219	28	,	,	PUNCT
ejif-10239	219	29	often	often	ADV
ejif-10239	219	30	assumed	assume	VERB
ejif-10239	219	31	to	to	PART
ejif-10239	219	32	be	be	AUX
ejif-10239	219	33	zero	zero	NUM
ejif-10239	219	34	for	for	ADP
ejif-10239	219	35	simplicity	simplicity	NOUN
ejif-10239	219	36	.	.	PUNCT
ejif-10239	220	1	figure	figure	NOUN
ejif-10239	220	2	5	5	NUM
ejif-10239	220	3	.	.	PUNCT
ejif-10239	221	1	the	the	DET
ejif-10239	221	2	benefits	benefit	NOUN
ejif-10239	221	3	of	of	ADP
ejif-10239	221	4	bayesian	bayesian	NOUN
ejif-10239	221	5	var	var	NOUN
ejif-10239	221	6	source	source	NOUN
ejif-10239	221	7	:	:	PUNCT
ejif-10239	221	8	authors	author	NOUN
ejif-10239	221	9	’	’	PART
ejif-10239	221	10	elaboration	elaboration	NOUN
ejif-10239	221	11	4	4	NUM
ejif-10239	221	12	.	.	PUNCT
ejif-10239	221	13	results	result	VERB
ejif-10239	221	14	4.1	4.1	NUM
ejif-10239	221	15	.	.	PUNCT
ejif-10239	221	16	unit	unit	NOUN
ejif-10239	221	17	root	root	PROPN
ejif-10239	221	18	test	test	NOUN
ejif-10239	221	19	to	to	PART
ejif-10239	221	20	assess	assess	VERB
ejif-10239	221	21	the	the	DET
ejif-10239	221	22	stationarity	stationarity	NOUN
ejif-10239	221	23	properties	property	NOUN
ejif-10239	221	24	of	of	ADP
ejif-10239	221	25	the	the	DET
ejif-10239	221	26	variables	variable	NOUN
ejif-10239	221	27	under	under	ADP
ejif-10239	221	28	study	study	NOUN
ejif-10239	221	29	,	,	PUNCT
ejif-10239	221	30	we	we	PRON
ejif-10239	221	31	have	have	AUX
ejif-10239	221	32	used	use	VERB
ejif-10239	221	33	the	the	DET
ejif-10239	221	34	augmented	augment	VERB
ejif-10239	221	35	dickey	dickey	NOUN
ejif-10239	221	36	-	-	PUNCT
ejif-10239	221	37	fuller	full	ADJ
ejif-10239	221	38	(	(	PUNCT
ejif-10239	221	39	adf	adf	NOUN
ejif-10239	221	40	)	)	PUNCT
ejif-10239	221	41	test	test	NOUN
ejif-10239	221	42	commonly	commonly	ADV
ejif-10239	221	43	used	use	VERB
ejif-10239	221	44	in	in	ADP
ejif-10239	221	45	the	the	DET
ejif-10239	221	46	literature	literature	NOUN
ejif-10239	221	47	.	.	PUNCT
ejif-10239	222	1	this	this	DET
ejif-10239	222	2	test	test	NOUN
ejif-10239	222	3	aims	aim	VERB
ejif-10239	222	4	to	to	PART
ejif-10239	222	5	determine	determine	VERB
ejif-10239	222	6	whether	whether	SCONJ
ejif-10239	222	7	a	a	DET
ejif-10239	222	8	variable	variable	NOUN
ejif-10239	222	9	follows	follow	VERB
ejif-10239	222	10	a	a	DET
ejif-10239	222	11	unit	unit	NOUN
ejif-10239	222	12	root	root	NOUN
ejif-10239	222	13	process	process	NOUN
ejif-10239	222	14	,	,	PUNCT
ejif-10239	222	15	indicating	indicate	VERB
ejif-10239	222	16	its	its	PRON
ejif-10239	222	17	stationarity	stationarity	NOUN
ejif-10239	222	18	(	(	PUNCT
ejif-10239	222	19	at	at	ADP
ejif-10239	222	20	levels	level	NOUN
ejif-10239	222	21	(	(	PUNCT
ejif-10239	222	22	i(0	i(0	PROPN
ejif-10239	222	23	)	)	PUNCT
ejif-10239	222	24	)	)	PUNCT
ejif-10239	222	25	or	or	CCONJ
ejif-10239	222	26	non	non	ADJ
ejif-10239	222	27	-	-	NOUN
ejif-10239	222	28	stationarity	stationarity	ADJ
ejif-10239	222	29	(	(	PUNCT
ejif-10239	222	30	require	require	NOUN
ejif-10239	222	31	differencing	difference	VERB
ejif-10239	222	32	to	to	PART
ejif-10239	222	33	achieve	achieve	VERB
ejif-10239	222	34	stationarity	stationarity	NOUN
ejif-10239	222	35	(	(	PUNCT
ejif-10239	222	36	i(1	i(1	PROPN
ejif-10239	222	37	)	)	PUNCT
ejif-10239	222	38	)	)	PUNCT
ejif-10239	223	1	(	(	PUNCT
ejif-10239	223	2	paparoditis	paparoditis	PROPN
ejif-10239	223	3	&	&	CCONJ
ejif-10239	223	4	politis	politis	PROPN
ejif-10239	223	5	,	,	PUNCT
ejif-10239	223	6	2018	2018	NUM
ejif-10239	223	7	)	)	PUNCT
ejif-10239	223	8	.	.	PUNCT
ejif-10239	224	1	table	table	NOUN
ejif-10239	224	2	2	2	NUM
ejif-10239	224	3	.	.	PUNCT
ejif-10239	224	4	adf	adf	PROPN
ejif-10239	224	5	unit	unit	NOUN
ejif-10239	224	6	root	root	PROPN
ejif-10239	224	7	test	test	NOUN
ejif-10239	224	8	results	result	NOUN
ejif-10239	224	9	variables	variable	NOUN
ejif-10239	224	10	adf	adf	PROPN
ejif-10239	224	11	without	without	ADP
ejif-10239	224	12	constant	constant	ADJ
ejif-10239	224	13	&	&	CCONJ
ejif-10239	224	14	trend	trend	NOUN
ejif-10239	224	15	level	level	NOUN
ejif-10239	224	16	1st	1st	ADJ
ejif-10239	224	17	difference	difference	NOUN
ejif-10239	224	18	decision	decision	NOUN
ejif-10239	224	19	fadi	fadi	NOUN
ejif-10239	224	20	0.9962	0.9962	NUM
ejif-10239	224	21	0.0320	0.0320	NUM
ejif-10239	224	22	i	i	PRON
ejif-10239	224	23	(	(	PUNCT
ejif-10239	224	24	1	1	X
ejif-10239	224	25	)	)	PUNCT
ejif-10239	224	26	roa	roa	NOUN
ejif-10239	224	27	0.0001	0.0001	NUM
ejif-10239	224	28	0.0001	0.0001	NUM
ejif-10239	224	29	i	i	NOUN
ejif-10239	224	30	(	(	PUNCT
ejif-10239	224	31	0	0	NUM
ejif-10239	224	32	)	)	PUNCT
ejif-10239	224	33	roe	roe	NOUN
ejif-10239	224	34	0.0491	0.0491	NUM
ejif-10239	224	35	0.0014	0.0014	NUM
ejif-10239	224	36	i	i	PRON
ejif-10239	224	37	(	(	PUNCT
ejif-10239	224	38	0	0	X
ejif-10239	224	39	)	)	PUNCT
ejif-10239	224	40	f&i	f&i	NOUN
ejif-10239	224	41	0.8760	0.8760	NUM
ejif-10239	224	42	0.0011	0.0011	NUM
ejif-10239	224	43	i	i	NOUN
ejif-10239	224	44	(	(	PUNCT
ejif-10239	224	45	1	1	X
ejif-10239	224	46	)	)	PUNCT
ejif-10239	224	47	gdp	gdp	NOUN
ejif-10239	224	48	0.8667	0.8667	NUM
ejif-10239	224	49	0.0004	0.0004	NUM
ejif-10239	224	50	i	i	NOUN
ejif-10239	224	51	(	(	PUNCT
ejif-10239	224	52	1	1	X
ejif-10239	224	53	)	)	PUNCT
ejif-10239	224	54	unemp	unemp	NOUN
ejif-10239	224	55	0.8799	0.8799	NUM
ejif-10239	224	56	0.0004	0.0004	NUM
ejif-10239	225	1	i	i	NOUN
ejif-10239	225	2	(	(	PUNCT
ejif-10239	225	3	1	1	X
ejif-10239	225	4	)	)	PUNCT
ejif-10239	225	5	consumption	consumption	NOUN
ejif-10239	225	6	1.0000	1.0000	NUM
ejif-10239	225	7	0.0457	0.0457	NUM
ejif-10239	225	8	i	i	PRON
ejif-10239	225	9	(	(	PUNCT
ejif-10239	225	10	1	1	X
ejif-10239	225	11	)	)	PUNCT
ejif-10239	225	12	corp_tax	corp_tax	NUM
ejif-10239	225	13	0.9184	0.9184	NUM
ejif-10239	226	1	0.0027	0.0027	NUM
ejif-10239	226	2	i	i	PRON
ejif-10239	226	3	(	(	PUNCT
ejif-10239	226	4	1	1	X
ejif-10239	226	5	)	)	PUNCT
ejif-10239	226	6	industry	industry	NOUN
ejif-10239	226	7	0.0098	0.0098	NUM
ejif-10239	226	8	0.0000	0.0000	NUM
ejif-10239	226	9	i	i	PRON
ejif-10239	226	10	(	(	PUNCT
ejif-10239	226	11	0	0	NUM
ejif-10239	226	12	)	)	PUNCT
ejif-10239	226	13	source	source	NOUN
ejif-10239	226	14	:	:	PUNCT
ejif-10239	226	15	authors	author	NOUN
ejif-10239	226	16	’	'	PUNCT
ejif-10239	226	17	elaboration	elaboration	NOUN
ejif-10239	226	18	the	the	DET
ejif-10239	226	19	augmented	augment	VERB
ejif-10239	226	20	dickey	dickey	NOUN
ejif-10239	226	21	-	-	PUNCT
ejif-10239	226	22	fuller	full	ADJ
ejif-10239	226	23	(	(	PUNCT
ejif-10239	226	24	adf	adf	NOUN
ejif-10239	226	25	)	)	PUNCT
ejif-10239	226	26	test	test	NOUN
ejif-10239	226	27	results	result	VERB
ejif-10239	226	28	through	through	ADP
ejif-10239	226	29	the	the	DET
ejif-10239	226	30	p	p	NOUN
ejif-10239	226	31	-	-	PUNCT
ejif-10239	226	32	values	value	NOUN
ejif-10239	226	33	indicate	indicate	VERB
ejif-10239	226	34	the	the	DET
ejif-10239	226	35	significance	significance	NOUN
ejif-10239	226	36	levels	level	NOUN
ejif-10239	226	37	presented	present	VERB
ejif-10239	226	38	in	in	ADP
ejif-10239	226	39	table	table	NOUN
ejif-10239	226	40	2	2	NUM
ejif-10239	226	41	,	,	PUNCT
ejif-10239	226	42	where	where	SCONJ
ejif-10239	226	43	roa	roa	NOUN
ejif-10239	226	44	,	,	PUNCT
ejif-10239	226	45	roe	roe	NOUN
ejif-10239	226	46	,	,	PUNCT
ejif-10239	226	47	and	and	CCONJ
ejif-10239	226	48	industry	industry	NOUN
ejif-10239	226	49	are	be	AUX
ejif-10239	226	50	stationary	stationary	ADJ
ejif-10239	226	51	at	at	ADP
ejif-10239	226	52	levels	level	NOUN
ejif-10239	226	53	(	(	PUNCT
ejif-10239	226	54	i(0	i(0	PROPN
ejif-10239	226	55	)	)	PUNCT
ejif-10239	226	56	)	)	PUNCT
ejif-10239	226	57	,	,	PUNCT
ejif-10239	226	58	while	while	SCONJ
ejif-10239	226	59	fadi	fadi	NOUN
ejif-10239	226	60	,	,	PUNCT
ejif-10239	226	61	f&i	f&i	PROPN
ejif-10239	226	62	,	,	PUNCT
ejif-10239	226	63	gdp	gdp	NOUN
ejif-10239	226	64	,	,	PUNCT
ejif-10239	226	65	unemployment	unemployment	NOUN
ejif-10239	226	66	,	,	PUNCT
ejif-10239	226	67	consumption	consumption	NOUN
ejif-10239	226	68	,	,	PUNCT
ejif-10239	226	69	and	and	CCONJ
ejif-10239	226	70	the	the	DET
ejif-10239	226	71	advantages	advantage	NOUN
ejif-10239	226	72	of	of	ADP
ejif-10239	226	73	bayesian	bayesian	NOUN
ejif-10239	226	74	var	var	NOUN
ejif-10239	226	75	dealing	deal	VERB
ejif-10239	226	76	with	with	ADP
ejif-10239	226	77	multicollinearity	multicollinearity	NOUN
ejif-10239	226	78	problem	problem	NOUN
ejif-10239	226	79	that	that	SCONJ
ejif-10239	226	80	traditional	traditional	ADJ
ejif-10239	226	81	var	var	NOUN
ejif-10239	226	82	models	model	NOUN
ejif-10239	226	83	may	may	AUX
ejif-10239	226	84	encounter	encounter	VERB
ejif-10239	226	85	.	.	PUNCT
ejif-10239	227	1	the	the	DET
ejif-10239	227	2	bayesian	bayesian	NOUN
ejif-10239	227	3	approach	approach	NOUN
ejif-10239	227	4	helps	help	VERB
ejif-10239	227	5	mitigate	mitigate	VERB
ejif-10239	227	6	this	this	DET
ejif-10239	227	7	issue	issue	NOUN
ejif-10239	227	8	through	through	ADP
ejif-10239	227	9	the	the	DET
ejif-10239	227	10	incorporation	incorporation	NOUN
ejif-10239	227	11	of	of	ADP
ejif-10239	227	12	priors	prior	NOUN
ejif-10239	227	13	the	the	DET
ejif-10239	227	14	bayesian	bayesian	NOUN
ejif-10239	227	15	approach	approach	NOUN
ejif-10239	227	16	incorporate	incorporate	VERB
ejif-10239	227	17	expert	expert	ADJ
ejif-10239	227	18	knowledge	knowledge	NOUN
ejif-10239	227	19	through	through	ADP
ejif-10239	227	20	the	the	DET
ejif-10239	227	21	specification	specification	NOUN
ejif-10239	227	22	of	of	ADP
ejif-10239	227	23	the	the	DET
ejif-10239	227	24	priors	prior	NOUN
ejif-10239	227	25	.	.	PUNCT
ejif-10239	228	1	it	it	PRON
ejif-10239	228	2	is	be	AUX
ejif-10239	228	3	particularly	particularly	ADV
ejif-10239	228	4	useful	useful	ADJ
ejif-10239	228	5	in	in	ADP
ejif-10239	228	6	financial	financial	ADJ
ejif-10239	228	7	studies	study	NOUN
ejif-10239	228	8	.	.	PUNCT
ejif-10239	229	1	providing	provide	VERB
ejif-10239	229	2	flexibility	flexibility	NOUN
ejif-10239	229	3	and	and	CCONJ
ejif-10239	229	4	robustness	robustness	NOUN
ejif-10239	229	5	by	by	ADP
ejif-10239	229	6	allowing	allow	VERB
ejif-10239	229	7	the	the	DET
ejif-10239	229	8	integration	integration	NOUN
ejif-10239	229	9	of	of	ADP
ejif-10239	229	10	uncertainty	uncertainty	NOUN
ejif-10239	229	11	and	and	CCONJ
ejif-10239	229	12	the	the	DET
ejif-10239	229	13	deviation	deviation	NOUN
ejif-10239	229	14	of	of	ADP
ejif-10239	229	15	credible	credible	ADJ
ejif-10239	229	16	intervals	interval	NOUN
ejif-10239	229	17	for	for	ADP
ejif-10239	229	18	the	the	DET
ejif-10239	229	19	estimates	estimate	NOUN
ejif-10239	229	20	which	which	PRON
ejif-10239	229	21	leads	lead	VERB
ejif-10239	229	22	to	to	ADP
ejif-10239	229	23	more	more	ADV
ejif-10239	229	24	robust	robust	ADJ
ejif-10239	229	25	and	and	CCONJ
ejif-10239	229	26	reliable	reliable	ADJ
ejif-10239	229	27	results	result	NOUN
ejif-10239	229	28	.	.	PUNCT
ejif-10239	230	1	european	european	ADJ
ejif-10239	230	2	journal	journal	PROPN
ejif-10239	230	3	of	of	ADP
ejif-10239	230	4	islamic	islamic	PROPN
ejif-10239	230	5	finance	finance	PROPN
ejif-10239	230	6	issn	issn	PROPN
ejif-10239	230	7	:	:	PUNCT
ejif-10239	230	8	2421	2421	NUM
ejif-10239	230	9	-	-	SYM
ejif-10239	230	10	2172	2172	NUM
ejif-10239	230	11	doi	doi	NOUN
ejif-10239	230	12	:	:	PUNCT
ejif-10239	230	13	10.13135/2421	10.13135/2421	NUM
ejif-10239	230	14	-	-	SYM
ejif-10239	230	15	2172/10239	2172/10239	NUM
ejif-10239	230	16	published	publish	VERB
ejif-10239	230	17	by	by	ADP
ejif-10239	230	18	university	university	PROPN
ejif-10239	230	19	of	of	ADP
ejif-10239	230	20	turin	turin	PROPN
ejif-10239	231	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	231	2	ejif	ejif	PROPN
ejif-10239	231	3	content	content	NOUN
ejif-10239	231	4	is	be	AUX
ejif-10239	231	5	licensed	license	VERB
ejif-10239	231	6	under	under	ADP
ejif-10239	231	7	a	a	DET
ejif-10239	231	8	creative	creative	ADJ
ejif-10239	231	9	commons	common	NOUN
ejif-10239	231	10	attribution	attribution	NOUN
ejif-10239	231	11	4.0	4.0	NUM
ejif-10239	231	12	international	international	ADJ
ejif-10239	231	13	license	license	NOUN
ejif-10239	231	14	47	47	NUM
ejif-10239	231	15	corp_tax	corp_tax	NUM
ejif-10239	231	16	are	be	AUX
ejif-10239	231	17	(	(	PUNCT
ejif-10239	231	18	i(1	i(1	NOUN
ejif-10239	231	19	)	)	PUNCT
ejif-10239	231	20	)	)	PUNCT
ejif-10239	231	21	and	and	CCONJ
ejif-10239	231	22	necessitate	necessitate	ADJ
ejif-10239	231	23	one	one	NUM
ejif-10239	231	24	-	-	PUNCT
ejif-10239	231	25	time	time	NOUN
ejif-10239	231	26	differencing	differencing	NOUN
ejif-10239	231	27	to	to	PART
ejif-10239	231	28	achieve	achieve	VERB
ejif-10239	231	29	stationarity	stationarity	NOUN
ejif-10239	231	30	.	.	PUNCT
ejif-10239	232	1	given	give	VERB
ejif-10239	232	2	the	the	DET
ejif-10239	232	3	mix	mix	NOUN
ejif-10239	232	4	of	of	ADP
ejif-10239	232	5	i(0	i(0	PROPN
ejif-10239	232	6	)	)	PUNCT
ejif-10239	232	7	and	and	CCONJ
ejif-10239	232	8	i(1	i(1	PROPN
ejif-10239	232	9	)	)	PUNCT
ejif-10239	232	10	variables	variable	NOUN
ejif-10239	232	11	,	,	PUNCT
ejif-10239	232	12	appropriate	appropriate	ADJ
ejif-10239	232	13	modeling	modeling	NOUN
ejif-10239	232	14	strategies	strategy	NOUN
ejif-10239	232	15	should	should	AUX
ejif-10239	232	16	be	be	AUX
ejif-10239	232	17	considered	consider	VERB
ejif-10239	232	18	to	to	PART
ejif-10239	232	19	ensure	ensure	VERB
ejif-10239	232	20	robust	robust	ADJ
ejif-10239	232	21	and	and	CCONJ
ejif-10239	232	22	meaningful	meaningful	ADJ
ejif-10239	232	23	econometric	econometric	ADJ
ejif-10239	232	24	results	result	NOUN
ejif-10239	232	25	.	.	PUNCT
ejif-10239	233	1	4.2	4.2	NUM
ejif-10239	233	2	.	.	PUNCT
ejif-10239	233	3	johansen	johansen	PROPN
ejif-10239	233	4	cointegration	cointegration	PROPN
ejif-10239	233	5	test	test	VERB
ejif-10239	233	6	the	the	DET
ejif-10239	233	7	johansen	johansen	PROPN
ejif-10239	233	8	cointegration	cointegration	PROPN
ejif-10239	233	9	test	test	NOUN
ejif-10239	233	10	is	be	AUX
ejif-10239	233	11	a	a	DET
ejif-10239	233	12	multivariate	multivariate	NOUN
ejif-10239	233	13	extension	extension	NOUN
ejif-10239	233	14	of	of	ADP
ejif-10239	233	15	the	the	DET
ejif-10239	233	16	unit	unit	NOUN
ejif-10239	233	17	root	root	NOUN
ejif-10239	233	18	tests	test	NOUN
ejif-10239	233	19	.	.	PUNCT
ejif-10239	234	1	it	it	PRON
ejif-10239	234	2	is	be	AUX
ejif-10239	234	3	specifically	specifically	ADV
ejif-10239	234	4	designed	design	VERB
ejif-10239	234	5	to	to	PART
ejif-10239	234	6	determine	determine	VERB
ejif-10239	234	7	the	the	DET
ejif-10239	234	8	cointegration	cointegration	NOUN
ejif-10239	234	9	relationships	relationship	NOUN
ejif-10239	234	10	in	in	ADP
ejif-10239	234	11	a	a	DET
ejif-10239	234	12	system	system	NOUN
ejif-10239	234	13	of	of	ADP
ejif-10239	234	14	equations	equation	NOUN
ejif-10239	234	15	.	.	PUNCT
ejif-10239	235	1	it	it	PRON
ejif-10239	235	2	evaluates	evaluate	VERB
ejif-10239	235	3	the	the	DET
ejif-10239	235	4	presence	presence	NOUN
ejif-10239	235	5	of	of	ADP
ejif-10239	235	6	cointegrated	cointegrate	VERB
ejif-10239	235	7	vectors	vector	NOUN
ejif-10239	235	8	that	that	PRON
ejif-10239	235	9	indicate	indicate	VERB
ejif-10239	235	10	long	long	ADJ
ejif-10239	235	11	-	-	PUNCT
ejif-10239	235	12	term	term	NOUN
ejif-10239	235	13	equilibrium	equilibrium	NOUN
ejif-10239	235	14	relationships	relationship	NOUN
ejif-10239	235	15	among	among	ADP
ejif-10239	235	16	the	the	DET
ejif-10239	235	17	variables	variable	NOUN
ejif-10239	235	18	(	(	PUNCT
ejif-10239	235	19	dwyer	dwyer	PROPN
ejif-10239	235	20	,	,	PUNCT
ejif-10239	235	21	2015	2015	NUM
ejif-10239	235	22	)	)	PUNCT
ejif-10239	235	23	.	.	PUNCT
ejif-10239	236	1	the	the	DET
ejif-10239	236	2	trace	trace	NOUN
ejif-10239	236	3	statistics	statistic	NOUN
ejif-10239	236	4	and	and	CCONJ
ejif-10239	236	5	corresponding	corresponding	ADJ
ejif-10239	236	6	probabilities	probability	NOUN
ejif-10239	236	7	are	be	AUX
ejif-10239	236	8	used	use	VERB
ejif-10239	236	9	to	to	PART
ejif-10239	236	10	determine	determine	VERB
ejif-10239	236	11	the	the	DET
ejif-10239	236	12	number	number	NOUN
ejif-10239	236	13	of	of	ADP
ejif-10239	236	14	cointegration	cointegration	NOUN
ejif-10239	236	15	relationships	relationship	NOUN
ejif-10239	236	16	.	.	PUNCT
ejif-10239	237	1	in	in	ADP
ejif-10239	237	2	this	this	DET
ejif-10239	237	3	case	case	NOUN
ejif-10239	237	4	,	,	PUNCT
ejif-10239	237	5	table	table	NOUN
ejif-10239	237	6	3	3	NUM
ejif-10239	237	7	reveals	reveal	VERB
ejif-10239	237	8	the	the	DET
ejif-10239	237	9	absence	absence	NOUN
ejif-10239	237	10	of	of	ADP
ejif-10239	237	11	significant	significant	ADJ
ejif-10239	237	12	cointegration	cointegration	NOUN
ejif-10239	237	13	vectors	vector	NOUN
ejif-10239	237	14	at	at	ADP
ejif-10239	237	15	the	the	DET
ejif-10239	237	16	5	5	NUM
ejif-10239	237	17	%	%	NOUN
ejif-10239	237	18	level	level	NOUN
ejif-10239	237	19	,	,	PUNCT
ejif-10239	237	20	suggesting	suggest	VERB
ejif-10239	237	21	that	that	SCONJ
ejif-10239	237	22	the	the	DET
ejif-10239	237	23	variables	variable	NOUN
ejif-10239	237	24	do	do	AUX
ejif-10239	237	25	not	not	PART
ejif-10239	237	26	share	share	VERB
ejif-10239	237	27	a	a	DET
ejif-10239	237	28	long	long	ADJ
ejif-10239	237	29	-	-	PUNCT
ejif-10239	237	30	term	term	NOUN
ejif-10239	237	31	equilibrium	equilibrium	NOUN
ejif-10239	237	32	relationship	relationship	NOUN
ejif-10239	237	33	.	.	PUNCT
ejif-10239	238	1	table	table	NOUN
ejif-10239	238	2	3	3	NUM
ejif-10239	238	3	.	.	PUNCT
ejif-10239	239	1	johansen	johansen	PROPN
ejif-10239	239	2	cointegration	cointegration	PROPN
ejif-10239	239	3	results	results	PROPN
ejif-10239	239	4	johansen	johansen	PROPN
ejif-10239	239	5	test	test	PROPN
ejif-10239	239	6	hypothesized	hypothesize	VERB
ejif-10239	239	7	eigenvalue	eigenvalue	NOUN
ejif-10239	239	8	trace	trace	NOUN
ejif-10239	239	9	statistics	statistic	NOUN
ejif-10239	239	10	probabilities	probabilitie	VERB
ejif-10239	239	11	none	none	NOUN
ejif-10239	239	12	0.915789	0.915789	NOUN
ejif-10239	239	13	97.7128	97.7128	NUM
ejif-10239	239	14	0.0531	0.0531	NUM
ejif-10239	239	15	at	at	ADP
ejif-10239	239	16	most	most	ADJ
ejif-10239	239	17	one	one	NUM
ejif-10239	239	18	0.887433	0.887433	NUM
ejif-10239	239	19	52.1503	52.1503	NUM
ejif-10239	239	20	0.2998	0.2998	NUM
ejif-10239	239	21	at	at	ADP
ejif-10239	239	22	most	most	ADJ
ejif-10239	239	23	two	two	NUM
ejif-10239	239	24	0.234877	0.234877	NUM
ejif-10239	239	25	24.7823	24.7823	NUM
ejif-10239	239	26	0.2147	0.2147	NUM
ejif-10239	239	27	at	at	ADP
ejif-10239	239	28	most	most	ADV
ejif-10239	239	29	three	three	NUM
ejif-10239	239	30	0.788580	0.788580	NUM
ejif-10239	239	31	31.2032	31.2032	NUM
ejif-10239	239	32	0.5030	0.5030	NUM
ejif-10239	239	33	source	source	NOUN
ejif-10239	239	34	:	:	PUNCT
ejif-10239	239	35	authors	author	NOUN
ejif-10239	239	36	’	'	PUNCT
ejif-10239	239	37	elaboration	elaboration	NOUN
ejif-10239	239	38	4.3	4.3	NUM
ejif-10239	239	39	.	.	PUNCT
ejif-10239	240	1	bayesian	bayesian	NOUN
ejif-10239	240	2	var	var	NOUN
ejif-10239	240	3	estimation	estimation	NOUN
ejif-10239	240	4	bayesian	bayesian	NOUN
ejif-10239	240	5	vector	vector	NOUN
ejif-10239	240	6	autoregression	autoregression	NOUN
ejif-10239	240	7	(	(	PUNCT
ejif-10239	240	8	bvar	bvar	NOUN
ejif-10239	240	9	)	)	PUNCT
ejif-10239	240	10	estimation	estimation	NOUN
ejif-10239	240	11	combines	combine	VERB
ejif-10239	240	12	prior	prior	ADJ
ejif-10239	240	13	information	information	NOUN
ejif-10239	240	14	with	with	ADP
ejif-10239	240	15	observed	observed	ADJ
ejif-10239	240	16	data	datum	NOUN
ejif-10239	240	17	to	to	PART
ejif-10239	240	18	estimate	estimate	VERB
ejif-10239	240	19	model	model	NOUN
ejif-10239	240	20	parameters	parameter	NOUN
ejif-10239	240	21	and	and	CCONJ
ejif-10239	240	22	their	their	PRON
ejif-10239	240	23	posterior	posterior	ADJ
ejif-10239	240	24	distributions	distribution	NOUN
ejif-10239	240	25	(	(	PUNCT
ejif-10239	240	26	miranda	miranda	NOUN
ejif-10239	240	27	-	-	PUNCT
ejif-10239	240	28	agrippino	agrippino	PROPN
ejif-10239	240	29	&	&	CCONJ
ejif-10239	240	30	ricco	ricco	PROPN
ejif-10239	240	31	,	,	PUNCT
ejif-10239	240	32	2019	2019	NUM
ejif-10239	240	33	)	)	PUNCT
ejif-10239	240	34	.	.	PUNCT
ejif-10239	241	1	this	this	DET
ejif-10239	241	2	approach	approach	NOUN
ejif-10239	241	3	is	be	AUX
ejif-10239	241	4	particularly	particularly	ADV
ejif-10239	241	5	useful	useful	ADJ
ejif-10239	241	6	for	for	ADP
ejif-10239	241	7	addressing	address	VERB
ejif-10239	241	8	the	the	DET
ejif-10239	241	9	dense	dense	ADJ
ejif-10239	241	10	parameterization	parameterization	NOUN
ejif-10239	241	11	of	of	ADP
ejif-10239	241	12	var	var	NOUN
ejif-10239	241	13	models	model	NOUN
ejif-10239	241	14	through	through	ADP
ejif-10239	241	15	informative	informative	ADJ
ejif-10239	241	16	priors	prior	NOUN
ejif-10239	241	17	that	that	PRON
ejif-10239	241	18	impose	impose	VERB
ejif-10239	241	19	shrinkage	shrinkage	NOUN
ejif-10239	241	20	on	on	ADP
ejif-10239	241	21	coefficients	coefficient	NOUN
ejif-10239	241	22	(	(	PUNCT
ejif-10239	241	23	kuschnig	kuschnig	PROPN
ejif-10239	241	24	&	&	CCONJ
ejif-10239	241	25	vashold	vashold	PROPN
ejif-10239	241	26	,	,	PUNCT
ejif-10239	241	27	2019	2019	NUM
ejif-10239	241	28	)	)	PUNCT
ejif-10239	241	29	.	.	PUNCT
ejif-10239	242	1	bayesian	bayesian	NOUN
ejif-10239	242	2	var	var	PROPN
ejif-10239	242	3	estimation	estimation	PROPN
ejif-10239	242	4	,	,	PUNCT
ejif-10239	242	5	considering	consider	VERB
ejif-10239	242	6	the	the	DET
ejif-10239	242	7	prior	prior	ADJ
ejif-10239	242	8	information	information	NOUN
ejif-10239	242	9	and	and	CCONJ
ejif-10239	242	10	the	the	DET
ejif-10239	242	11	specific	specific	ADJ
ejif-10239	242	12	characteristics	characteristic	NOUN
ejif-10239	242	13	of	of	ADP
ejif-10239	242	14	the	the	DET
ejif-10239	242	15	data	datum	NOUN
ejif-10239	242	16	,	,	PUNCT
ejif-10239	242	17	revealed	reveal	VERB
ejif-10239	242	18	different	different	ADJ
ejif-10239	242	19	insights	insight	NOUN
ejif-10239	242	20	into	into	ADP
ejif-10239	242	21	the	the	DET
ejif-10239	242	22	relationships	relationship	NOUN
ejif-10239	242	23	and	and	CCONJ
ejif-10239	242	24	dynamics	dynamic	NOUN
ejif-10239	242	25	among	among	ADP
ejif-10239	242	26	the	the	DET
ejif-10239	242	27	study	study	NOUN
ejif-10239	242	28	’s	’s	PART
ejif-10239	242	29	variables	variable	NOUN
ejif-10239	242	30	,	,	PUNCT
ejif-10239	242	31	as	as	SCONJ
ejif-10239	242	32	summarized	summarize	VERB
ejif-10239	242	33	in	in	ADP
ejif-10239	242	34	table	table	NOUN
ejif-10239	242	35	4	4	NUM
ejif-10239	242	36	.	.	PUNCT
ejif-10239	242	37	table	table	NOUN
ejif-10239	242	38	4	4	NUM
ejif-10239	242	39	.	.	PUNCT
ejif-10239	243	1	bayesian	bayesian	NOUN
ejif-10239	243	2	var	var	PROPN
ejif-10239	243	3	estimation	estimation	PROPN
ejif-10239	243	4	results	result	VERB
ejif-10239	243	5	source	source	NOUN
ejif-10239	243	6	:	:	PUNCT
ejif-10239	243	7	authors	author	NOUN
ejif-10239	243	8	’	’	PART
ejif-10239	243	9	elaboration	elaboration	NOUN
ejif-10239	243	10	results	result	NOUN
ejif-10239	243	11	underscore	underscore	VERB
ejif-10239	243	12	the	the	DET
ejif-10239	243	13	digital	digital	ADJ
ejif-10239	243	14	butterfly	butterfly	NOUN
ejif-10239	243	15	effect	effect	NOUN
ejif-10239	243	16	,	,	PUNCT
ejif-10239	243	17	where	where	SCONJ
ejif-10239	243	18	minor	minor	ADJ
ejif-10239	243	19	digital	digital	ADJ
ejif-10239	243	20	shifts	shift	NOUN
ejif-10239	243	21	can	can	AUX
ejif-10239	243	22	lead	lead	VERB
ejif-10239	243	23	to	to	ADP
ejif-10239	243	24	significant	significant	ADJ
ejif-10239	243	25	economic	economic	ADJ
ejif-10239	243	26	transformations	transformation	NOUN
ejif-10239	243	27	.	.	PUNCT
ejif-10239	244	1	the	the	DET
ejif-10239	244	2	fintech	fintech	NOUN
ejif-10239	244	3	adoption	adoption	NOUN
ejif-10239	244	4	index	index	NOUN
ejif-10239	244	5	(	(	PUNCT
ejif-10239	244	6	fadi	fadi	NOUN
ejif-10239	244	7	)	)	PUNCT
ejif-10239	244	8	is	be	AUX
ejif-10239	244	9	a	a	DET
ejif-10239	244	10	catalyst	catalyst	NOUN
ejif-10239	244	11	in	in	ADP
ejif-10239	244	12	this	this	DET
ejif-10239	244	13	framework	framework	NOUN
ejif-10239	244	14	,	,	PUNCT
ejif-10239	244	15	showing	show	VERB
ejif-10239	244	16	significant	significant	ADJ
ejif-10239	244	17	effects	effect	NOUN
ejif-10239	244	18	across	across	ADP
ejif-10239	244	19	banking	banking	NOUN
ejif-10239	244	20	and	and	CCONJ
ejif-10239	244	21	macroeconomic	macroeconomic	ADJ
ejif-10239	244	22	landscapes	landscape	NOUN
ejif-10239	244	23	.	.	PUNCT
ejif-10239	245	1	with	with	ADP
ejif-10239	245	2	every	every	DET
ejif-10239	245	3	flutter	flutter	NOUN
ejif-10239	245	4	in	in	ADP
ejif-10239	245	5	fadi	fadi	NOUN
ejif-10239	245	6	,	,	PUNCT
ejif-10239	245	7	there	there	PRON
ejif-10239	245	8	's	be	VERB
ejif-10239	245	9	a	a	DET
ejif-10239	245	10	significant	significant	ADJ
ejif-10239	245	11	positive	positive	ADJ
ejif-10239	245	12	sway	sway	NOUN
ejif-10239	245	13	in	in	ADP
ejif-10239	245	14	both	both	CCONJ
ejif-10239	245	15	islamic	islamic	ADJ
ejif-10239	245	16	banking	banking	NOUN
ejif-10239	245	17	metrics	metric	NOUN
ejif-10239	245	18	,	,	PUNCT
ejif-10239	245	19	bayesian	bayesian	NOUN
ejif-10239	245	20	var	var	NOUN
ejif-10239	245	21	estimates	estimate	NOUN
ejif-10239	245	22	fadi	fadi	PROPN
ejif-10239	245	23	roa	roa	PROPN
ejif-10239	245	24	roe	roe	PROPN
ejif-10239	245	25	f&i	f&i	PROPN
ejif-10239	245	26	gdp	gdp	NOUN
ejif-10239	245	27	unemp	unemp	PROPN
ejif-10239	245	28	consmp	consmp	PROPN
ejif-10239	245	29	corptax	corptax	PROPN
ejif-10239	245	30	industry	industry	NOUN
ejif-10239	245	31	fadi	fadi	NOUN
ejif-10239	245	32	1.016722	1.016722	NUM
ejif-10239	245	33	(	(	PUNCT
ejif-10239	245	34	0.09788	0.09788	NUM
ejif-10239	245	35	)	)	PUNCT
ejif-10239	245	36	4.94e-05	4.94e-05	NUM
ejif-10239	245	37	(	(	PUNCT
ejif-10239	245	38	0.00036	0.00036	NUM
ejif-10239	245	39	)	)	PUNCT
ejif-10239	245	40	0.003679	0.003679	NUM
ejif-10239	245	41	(	(	PUNCT
ejif-10239	245	42	0.02709	0.02709	NUM
ejif-10239	245	43	)	)	PUNCT
ejif-10239	245	44	0.001422	0.001422	NUM
ejif-10239	245	45	(	(	PUNCT
ejif-10239	245	46	0.03968	0.03968	NUM
ejif-10239	245	47	)	)	PUNCT
ejif-10239	245	48	0.004755	0.004755	NUM
ejif-10239	245	49	(	(	PUNCT
ejif-10239	245	50	0.04913	0.04913	NUM
ejif-10239	245	51	)	)	PUNCT
ejif-10239	245	52	-0.000140	-0.000140	NOUN
ejif-10239	246	1	(	(	PUNCT
ejif-10239	246	2	0.00891	0.00891	NUM
ejif-10239	246	3	)	)	PUNCT
ejif-10239	246	4	0.001407	0.001407	NUM
ejif-10239	246	5	(	(	PUNCT
ejif-10239	246	6	0.03118	0.03118	NUM
ejif-10239	246	7	)	)	PUNCT
ejif-10239	246	8	0.001407	0.001407	NUM
ejif-10239	246	9	(	(	PUNCT
ejif-10239	246	10	0.0311	0.0311	NUM
ejif-10239	246	11	)	)	PUNCT
ejif-10239	246	12	0.076450	0.076450	NUM
ejif-10239	246	13	(	(	PUNCT
ejif-10239	246	14	0.80882	0.80882	NUM
ejif-10239	246	15	)	)	PUNCT
ejif-10239	246	16	covid	covid	NOUN
ejif-10239	246	17	0.483969	0.483969	NUM
ejif-10239	246	18	-0.002782	-0.002782	NOUN
ejif-10239	247	1	0.014304	0.014304	NUM
ejif-10239	247	2	0.005479	0.005479	NUM
ejif-10239	247	3	0.208194	0.208194	NUM
ejif-10239	247	4	0.021233	0.021233	NUM
ejif-10239	247	5	-0.027352	-0.027352	NOUN
ejif-10239	247	6	0.097115	0.097115	NUM
ejif-10239	247	7	(	(	PUNCT
ejif-10239	247	8	0.03493	0.03493	NUM
ejif-10239	247	9	)	)	PUNCT
ejif-10239	247	10	(	(	PUNCT
ejif-10239	247	11	0.00248	0.00248	NUM
ejif-10239	247	12	)	)	PUNCT
ejif-10239	247	13	(	(	PUNCT
ejif-10239	247	14	0.18861	0.18861	NUM
ejif-10239	247	15	)	)	PUNCT
ejif-10239	247	16	(	(	PUNCT
ejif-10239	247	17	0.14615	0.14615	NUM
ejif-10239	247	18	)	)	PUNCT
ejif-10239	247	19	(	(	PUNCT
ejif-10239	247	20	0.27625	0.27625	NUM
ejif-10239	247	21	)	)	PUNCT
ejif-10239	247	22	(	(	PUNCT
ejif-10239	247	23	0.48128	0.48128	NUM
ejif-10239	247	24	)	)	PUNCT
ejif-10239	247	25	(	(	PUNCT
ejif-10239	247	26	0.06214	0.06214	NUM
ejif-10239	247	27	)	)	PUNCT
ejif-10239	247	28	(	(	PUNCT
ejif-10239	247	29	0.21704	0.21704	NUM
ejif-10239	247	30	)	)	PUNCT
ejif-10239	247	31	-0.002782	-0.002782	NOUN
ejif-10239	247	32	(	(	PUNCT
ejif-10239	247	33	0.00248	0.00248	NUM
ejif-10239	247	34	)	)	PUNCT
ejif-10239	247	35	0.014304	0.014304	NUM
ejif-10239	247	36	(	(	PUNCT
ejif-10239	247	37	0.18861	0.18861	NUM
ejif-10239	247	38	)	)	PUNCT
ejif-10239	247	39	0.005479	0.005479	NUM
ejif-10239	247	40	(	(	PUNCT
ejif-10239	247	41	0.14615	0.14615	NUM
ejif-10239	247	42	)	)	PUNCT
ejif-10239	247	43	-0.208194	-0.208194	NOUN
ejif-10239	247	44	(	(	PUNCT
ejif-10239	247	45	0.02625	0.02625	NUM
ejif-10239	247	46	)	)	PUNCT
ejif-10239	247	47	0.021233	0.021233	NUM
ejif-10239	247	48	(	(	PUNCT
ejif-10239	247	49	0.08128	0.08128	NUM
ejif-10239	247	50	)	)	PUNCT
ejif-10239	247	51	-0.027352	-0.027352	NOUN
ejif-10239	247	52	(	(	PUNCT
ejif-10239	247	53	0.06214	0.06214	NUM
ejif-10239	247	54	)	)	PUNCT
ejif-10239	247	55	0.097115	0.097115	NUM
ejif-10239	247	56	(	(	PUNCT
ejif-10239	247	57	0.2170	0.2170	NUM
ejif-10239	247	58	)	)	PUNCT
ejif-10239	247	59	-0.613084	-0.613084	NOUN
ejif-10239	247	60	(	(	PUNCT
ejif-10239	247	61	5.63034	5.63034	NUM
ejif-10239	247	62	)	)	PUNCT
ejif-10239	247	63	r2	r2	NOUN
ejif-10239	247	64	0.929318	0.929318	NUM
ejif-10239	248	1	0.873896	0.873896	NUM
ejif-10239	248	2	0.98146	0.98146	NUM
ejif-10239	248	3	0.837394	0.837394	NUM
ejif-10239	248	4	0.975514	0.975514	NUM
ejif-10239	248	5	0.862051	0.862051	NUM
ejif-10239	248	6	0.987545	0.987545	NUM
ejif-10239	248	7	0.957491	0.957491	NUM
ejif-10239	248	8	0.887066	0.887066	NUM
ejif-10239	248	9	european	european	ADJ
ejif-10239	248	10	journal	journal	NOUN
ejif-10239	248	11	of	of	ADP
ejif-10239	248	12	islamic	islamic	PROPN
ejif-10239	248	13	finance	finance	PROPN
ejif-10239	248	14	issn	issn	PROPN
ejif-10239	248	15	:	:	PUNCT
ejif-10239	248	16	2421	2421	NUM
ejif-10239	248	17	-	-	SYM
ejif-10239	248	18	2172	2172	NUM
ejif-10239	248	19	doi	doi	NOUN
ejif-10239	248	20	:	:	PUNCT
ejif-10239	248	21	10.13135/2421	10.13135/2421	NUM
ejif-10239	248	22	-	-	SYM
ejif-10239	248	23	2172/10239	2172/10239	NUM
ejif-10239	248	24	published	publish	VERB
ejif-10239	248	25	by	by	ADP
ejif-10239	248	26	university	university	PROPN
ejif-10239	248	27	of	of	ADP
ejif-10239	248	28	turin	turin	PROPN
ejif-10239	249	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	249	2	ejif	ejif	PROPN
ejif-10239	249	3	content	content	NOUN
ejif-10239	249	4	is	be	AUX
ejif-10239	249	5	licensed	license	VERB
ejif-10239	249	6	under	under	ADP
ejif-10239	249	7	a	a	DET
ejif-10239	249	8	creative	creative	ADJ
ejif-10239	249	9	commons	common	NOUN
ejif-10239	249	10	attribution	attribution	NOUN
ejif-10239	249	11	4.0	4.0	NUM
ejif-10239	249	12	international	international	ADJ
ejif-10239	249	13	license	license	NOUN
ejif-10239	249	14	48	48	NUM
ejif-10239	249	15	roa	roa	NOUN
ejif-10239	249	16	and	and	CCONJ
ejif-10239	249	17	roe	roe	NOUN
ejif-10239	249	18	,	,	PUNCT
ejif-10239	249	19	emblematic	emblematic	ADJ
ejif-10239	249	20	of	of	ADP
ejif-10239	249	21	the	the	DET
ejif-10239	249	22	transformative	transformative	ADJ
ejif-10239	249	23	power	power	NOUN
ejif-10239	249	24	of	of	ADP
ejif-10239	249	25	fintech	fintech	NOUN
ejif-10239	249	26	in	in	ADP
ejif-10239	249	27	reshaping	reshape	VERB
ejif-10239	249	28	financial	financial	ADJ
ejif-10239	249	29	outcomes	outcome	NOUN
ejif-10239	249	30	.	.	PUNCT
ejif-10239	250	1	on	on	ADP
ejif-10239	250	2	the	the	DET
ejif-10239	250	3	macroeconomic	macroeconomic	ADJ
ejif-10239	250	4	front	front	NOUN
ejif-10239	250	5	,	,	PUNCT
ejif-10239	250	6	fadi	fadi	NOUN
ejif-10239	250	7	positively	positively	ADV
ejif-10239	250	8	impacts	impact	VERB
ejif-10239	250	9	gdp	gdp	NOUN
ejif-10239	250	10	,	,	PUNCT
ejif-10239	250	11	household	household	NOUN
ejif-10239	250	12	consumption	consumption	NOUN
ejif-10239	250	13	,	,	PUNCT
ejif-10239	250	14	and	and	CCONJ
ejif-10239	250	15	corporate	corporate	ADJ
ejif-10239	250	16	tax	tax	NOUN
ejif-10239	250	17	while	while	SCONJ
ejif-10239	250	18	also	also	ADV
ejif-10239	250	19	hurting	hurt	VERB
ejif-10239	250	20	the	the	DET
ejif-10239	250	21	unemployment	unemployment	NOUN
ejif-10239	250	22	rate	rate	NOUN
ejif-10239	250	23	.	.	PUNCT
ejif-10239	251	1	while	while	SCONJ
ejif-10239	251	2	the	the	DET
ejif-10239	251	3	ripples	ripple	NOUN
ejif-10239	251	4	on	on	ADP
ejif-10239	251	5	roa	roa	PROPN
ejif-10239	251	6	(	(	PUNCT
ejif-10239	251	7	4.94e-05	4.94e-05	NOUN
ejif-10239	251	8	)	)	PUNCT
ejif-10239	251	9	and	and	CCONJ
ejif-10239	251	10	unemployment	unemployment	NOUN
ejif-10239	251	11	(	(	PUNCT
ejif-10239	251	12	0.000140	0.000140	NUM
ejif-10239	251	13	)	)	PUNCT
ejif-10239	251	14	are	be	AUX
ejif-10239	251	15	almost	almost	ADV
ejif-10239	251	16	imperceptible	imperceptible	ADJ
ejif-10239	251	17	,	,	PUNCT
ejif-10239	251	18	suggesting	suggest	VERB
ejif-10239	251	19	these	these	DET
ejif-10239	251	20	sectors	sector	NOUN
ejif-10239	251	21	may	may	AUX
ejif-10239	251	22	be	be	AUX
ejif-10239	251	23	insulated	insulate	VERB
ejif-10239	251	24	from	from	ADP
ejif-10239	251	25	immediate	immediate	ADJ
ejif-10239	251	26	digital	digital	ADJ
ejif-10239	251	27	shifts	shift	NOUN
ejif-10239	251	28	,	,	PUNCT
ejif-10239	251	29	the	the	DET
ejif-10239	251	30	industry	industry	NOUN
ejif-10239	251	31	sector	sector	NOUN
ejif-10239	251	32	feels	feel	VERB
ejif-10239	251	33	a	a	DET
ejif-10239	251	34	more	more	ADV
ejif-10239	251	35	pronounced	pronounced	ADJ
ejif-10239	251	36	wave	wave	NOUN
ejif-10239	251	37	(	(	PUNCT
ejif-10239	251	38	0.076450	0.076450	NUM
ejif-10239	251	39	)	)	PUNCT
ejif-10239	251	40	.	.	PUNCT
ejif-10239	252	1	this	this	DET
ejif-10239	252	2	substantial	substantial	ADJ
ejif-10239	252	3	influence	influence	NOUN
ejif-10239	252	4	,	,	PUNCT
ejif-10239	252	5	tempered	temper	VERB
ejif-10239	252	6	by	by	ADP
ejif-10239	252	7	a	a	DET
ejif-10239	252	8	higher	high	ADJ
ejif-10239	252	9	standard	standard	ADJ
ejif-10239	252	10	error	error	NOUN
ejif-10239	252	11	,	,	PUNCT
ejif-10239	252	12	mirrors	mirror	VERB
ejif-10239	252	13	the	the	DET
ejif-10239	252	14	vast	vast	ADJ
ejif-10239	252	15	potential	potential	NOUN
ejif-10239	252	16	of	of	ADP
ejif-10239	252	17	the	the	DET
ejif-10239	252	18	digital	digital	ADJ
ejif-10239	252	19	revolution	revolution	NOUN
ejif-10239	252	20	,	,	PUNCT
ejif-10239	252	21	albeit	albeit	SCONJ
ejif-10239	252	22	with	with	ADP
ejif-10239	252	23	uncertainties	uncertainty	NOUN
ejif-10239	252	24	.	.	PUNCT
ejif-10239	253	1	additionally	additionally	ADV
ejif-10239	253	2	,	,	PUNCT
ejif-10239	253	3	the	the	DET
ejif-10239	253	4	r2	r2	PROPN
ejif-10239	253	5	highest	high	ADJ
ejif-10239	253	6	values	value	NOUN
ejif-10239	253	7	,	,	PUNCT
ejif-10239	253	8	0.98146	0.98146	NUM
ejif-10239	253	9	,	,	PUNCT
ejif-10239	253	10	underscore	underscore	VERB
ejif-10239	253	11	its	its	PRON
ejif-10239	253	12	substantial	substantial	ADJ
ejif-10239	253	13	explanatory	explanatory	ADJ
ejif-10239	253	14	power	power	NOUN
ejif-10239	253	15	for	for	ADP
ejif-10239	253	16	most	most	ADJ
ejif-10239	253	17	variables	variable	NOUN
ejif-10239	253	18	.	.	PUNCT
ejif-10239	254	1	4.4	4.4	NUM
ejif-10239	254	2	.	.	PUNCT
ejif-10239	255	1	bayesian	bayesian	NOUN
ejif-10239	255	2	impulse	impulse	ADJ
ejif-10239	255	3	response	response	NOUN
ejif-10239	255	4	function	function	VERB
ejif-10239	255	5	impulse	impulse	ADJ
ejif-10239	255	6	response	response	NOUN
ejif-10239	255	7	functions	function	NOUN
ejif-10239	255	8	(	(	PUNCT
ejif-10239	255	9	irfs	irfs	PROPN
ejif-10239	255	10	)	)	PUNCT
ejif-10239	255	11	provide	provide	VERB
ejif-10239	255	12	a	a	DET
ejif-10239	255	13	valuable	valuable	ADJ
ejif-10239	255	14	mechanism	mechanism	NOUN
ejif-10239	255	15	to	to	PART
ejif-10239	255	16	comprehend	comprehend	VERB
ejif-10239	255	17	the	the	DET
ejif-10239	255	18	dynamic	dynamic	ADJ
ejif-10239	255	19	interplay	interplay	NOUN
ejif-10239	255	20	among	among	ADP
ejif-10239	255	21	variables	variable	NOUN
ejif-10239	255	22	in	in	ADP
ejif-10239	255	23	a	a	DET
ejif-10239	255	24	system	system	NOUN
ejif-10239	255	25	,	,	PUNCT
ejif-10239	255	26	especially	especially	ADV
ejif-10239	255	27	when	when	SCONJ
ejif-10239	255	28	considering	consider	VERB
ejif-10239	255	29	how	how	SCONJ
ejif-10239	255	30	a	a	DET
ejif-10239	255	31	shock	shock	NOUN
ejif-10239	255	32	in	in	ADP
ejif-10239	255	33	one	one	NUM
ejif-10239	255	34	variable	variable	NOUN
ejif-10239	255	35	might	might	AUX
ejif-10239	255	36	propagate	propagate	VERB
ejif-10239	255	37	and	and	CCONJ
ejif-10239	255	38	influence	influence	VERB
ejif-10239	255	39	others	other	NOUN
ejif-10239	255	40	over	over	ADP
ejif-10239	255	41	subsequent	subsequent	ADJ
ejif-10239	255	42	periods	period	NOUN
ejif-10239	255	43	.	.	PUNCT
ejif-10239	256	1	just	just	ADV
ejif-10239	256	2	as	as	SCONJ
ejif-10239	256	3	the	the	DET
ejif-10239	256	4	butterfly	butterfly	NOUN
ejif-10239	256	5	effect	effect	NOUN
ejif-10239	256	6	underscores	underscore	VERB
ejif-10239	256	7	the	the	DET
ejif-10239	256	8	sensitivity	sensitivity	NOUN
ejif-10239	256	9	and	and	CCONJ
ejif-10239	256	10	interdependence	interdependence	NOUN
ejif-10239	256	11	of	of	ADP
ejif-10239	256	12	complex	complex	ADJ
ejif-10239	256	13	systems	system	NOUN
ejif-10239	256	14	,	,	PUNCT
ejif-10239	256	15	our	our	PRON
ejif-10239	256	16	bayesian	bayesian	NOUN
ejif-10239	256	17	irfs	irfs	AUX
ejif-10239	256	18	demonstrate	demonstrate	VERB
ejif-10239	256	19	how	how	SCONJ
ejif-10239	256	20	small	small	ADJ
ejif-10239	256	21	disturbances	disturbance	NOUN
ejif-10239	256	22	in	in	ADP
ejif-10239	256	23	one	one	NUM
ejif-10239	256	24	area	area	NOUN
ejif-10239	256	25	of	of	ADP
ejif-10239	256	26	the	the	DET
ejif-10239	256	27	economy	economy	NOUN
ejif-10239	256	28	can	can	AUX
ejif-10239	256	29	affect	affect	VERB
ejif-10239	256	30	significantly	significantly	ADV
ejif-10239	256	31	various	various	ADJ
ejif-10239	256	32	sectors	sector	NOUN
ejif-10239	256	33	.	.	PUNCT
ejif-10239	257	1	the	the	DET
ejif-10239	257	2	next	next	ADJ
ejif-10239	257	3	figure	figure	NOUN
ejif-10239	257	4	6	6	NUM
ejif-10239	257	5	offers	offer	VERB
ejif-10239	257	6	an	an	DET
ejif-10239	257	7	interesting	interesting	ADJ
ejif-10239	257	8	glimpse	glimpse	NOUN
ejif-10239	257	9	into	into	ADP
ejif-10239	257	10	the	the	DET
ejif-10239	257	11	digital	digital	ADJ
ejif-10239	257	12	“	"	PUNCT
ejif-10239	257	13	butterfly	butterfly	NOUN
ejif-10239	257	14	effect	effect	NOUN
ejif-10239	257	15	”	"	PUNCT
ejif-10239	257	16	initiated	initiate	VERB
ejif-10239	257	17	by	by	ADP
ejif-10239	257	18	fintech	fintech	NOUN
ejif-10239	257	19	adoption	adoption	NOUN
ejif-10239	257	20	.	.	PUNCT
ejif-10239	258	1	at	at	ADP
ejif-10239	258	2	the	the	DET
ejif-10239	258	3	flap	flap	NOUN
ejif-10239	258	4	of	of	ADP
ejif-10239	258	5	fadi	fadi	PROPN
ejif-10239	258	6	wings	wing	NOUN
ejif-10239	258	7	,	,	PUNCT
ejif-10239	258	8	a	a	DET
ejif-10239	258	9	significant	significant	ADJ
ejif-10239	258	10	positive	positive	ADJ
ejif-10239	258	11	response	response	NOUN
ejif-10239	258	12	merges	merge	VERB
ejif-10239	258	13	across	across	ADP
ejif-10239	258	14	different	different	ADJ
ejif-10239	258	15	economic	economic	ADJ
ejif-10239	258	16	pillars	pillar	NOUN
ejif-10239	258	17	,	,	PUNCT
ejif-10239	258	18	starting	start	VERB
ejif-10239	258	19	with	with	ADP
ejif-10239	258	20	islamic	islamic	ADJ
ejif-10239	258	21	banking	banking	NOUN
ejif-10239	258	22	(	(	PUNCT
ejif-10239	258	23	roa	roa	NOUN
ejif-10239	258	24	and	and	CCONJ
ejif-10239	258	25	roe	roe	PROPN
ejif-10239	258	26	)	)	PUNCT
ejif-10239	258	27	,	,	PUNCT
ejif-10239	258	28	gdp	gdp	NOUN
ejif-10239	258	29	growth	growth	NOUN
ejif-10239	258	30	,	,	PUNCT
ejif-10239	258	31	and	and	CCONJ
ejif-10239	258	32	financial	financial	ADJ
ejif-10239	258	33	and	and	CCONJ
ejif-10239	258	34	insurance	insurance	NOUN
ejif-10239	258	35	services	service	NOUN
ejif-10239	258	36	hinting	hint	VERB
ejif-10239	258	37	at	at	ADP
ejif-10239	258	38	enhanced	enhanced	ADJ
ejif-10239	258	39	financial	financial	ADJ
ejif-10239	258	40	inclusivity	inclusivity	NOUN
ejif-10239	258	41	,	,	PUNCT
ejif-10239	258	42	household	household	NOUN
ejif-10239	258	43	consumption	consumption	NOUN
ejif-10239	258	44	and	and	CCONJ
ejif-10239	258	45	corporate	corporate	ADJ
ejif-10239	258	46	tax	tax	NOUN
ejif-10239	258	47	;	;	PUNCT
ejif-10239	258	48	however	however	ADV
ejif-10239	258	49	,	,	PUNCT
ejif-10239	258	50	the	the	DET
ejif-10239	258	51	same	same	ADJ
ejif-10239	258	52	flutter	flutter	NOUN
ejif-10239	258	53	drive	drive	VERB
ejif-10239	258	54	to	to	ADP
ejif-10239	258	55	a	a	DET
ejif-10239	258	56	negative	negative	ADJ
ejif-10239	258	57	response	response	NOUN
ejif-10239	258	58	of	of	ADP
ejif-10239	258	59	unemployment	unemployment	NOUN
ejif-10239	258	60	rate	rate	NOUN
ejif-10239	258	61	probably	probably	ADV
ejif-10239	258	62	due	due	ADJ
ejif-10239	258	63	to	to	ADP
ejif-10239	258	64	shifting	shift	VERB
ejif-10239	258	65	skill	skill	NOUN
ejif-10239	258	66	requirements	requirement	NOUN
ejif-10239	258	67	.	.	PUNCT
ejif-10239	259	1	additionally	additionally	ADV
ejif-10239	259	2	,	,	PUNCT
ejif-10239	259	3	the	the	DET
ejif-10239	259	4	stabilization	stabilization	NOUN
ejif-10239	259	5	of	of	ADP
ejif-10239	259	6	the	the	DET
ejif-10239	259	7	industry	industry	NOUN
ejif-10239	259	8	's	's	PART
ejif-10239	259	9	contribution	contribution	NOUN
ejif-10239	259	10	to	to	ADP
ejif-10239	259	11	gdp	gdp	NOUN
ejif-10239	259	12	by	by	ADP
ejif-10239	259	13	a	a	DET
ejif-10239	259	14	growth	growth	NOUN
ejif-10239	259	15	of	of	ADP
ejif-10239	259	16	0.16	0.16	NUM
ejif-10239	259	17	at	at	ADP
ejif-10239	259	18	t=10	t=10	NUM
ejif-10239	259	19	paints	paint	VERB
ejif-10239	259	20	a	a	DET
ejif-10239	259	21	picture	picture	NOUN
ejif-10239	259	22	of	of	ADP
ejif-10239	259	23	an	an	DET
ejif-10239	259	24	evolving	evolve	VERB
ejif-10239	259	25	economic	economic	ADJ
ejif-10239	259	26	landscape	landscape	NOUN
ejif-10239	259	27	adapting	adapt	VERB
ejif-10239	259	28	to	to	ADP
ejif-10239	259	29	its	its	PRON
ejif-10239	259	30	new	new	ADJ
ejif-10239	259	31	digital	digital	ADJ
ejif-10239	259	32	era	era	NOUN
ejif-10239	259	33	.	.	PUNCT
ejif-10239	260	1	4.5	4.5	NUM
ejif-10239	260	2	.	.	PUNCT
ejif-10239	261	1	granger	granger	PROPN
ejif-10239	261	2	causality	causality	PROPN
ejif-10239	261	3	wald	wald	NOUN
ejif-10239	261	4	tests	test	NOUN
ejif-10239	261	5	given	give	VERB
ejif-10239	261	6	the	the	DET
ejif-10239	261	7	nature	nature	NOUN
ejif-10239	261	8	of	of	ADP
ejif-10239	261	9	the	the	DET
ejif-10239	261	10	digital	digital	ADJ
ejif-10239	261	11	butterfly	butterfly	NOUN
ejif-10239	261	12	effect	effect	NOUN
ejif-10239	261	13	,	,	PUNCT
ejif-10239	261	14	it	it	PRON
ejif-10239	261	15	is	be	AUX
ejif-10239	261	16	essential	essential	ADJ
ejif-10239	261	17	to	to	PART
ejif-10239	261	18	determine	determine	VERB
ejif-10239	261	19	if	if	SCONJ
ejif-10239	261	20	changes	change	NOUN
ejif-10239	261	21	in	in	ADP
ejif-10239	261	22	fadi	fadi	NOUN
ejif-10239	261	23	genuinely	genuinely	ADV
ejif-10239	261	24	precede	precede	VERB
ejif-10239	261	25	changes	change	NOUN
ejif-10239	261	26	in	in	ADP
ejif-10239	261	27	these	these	DET
ejif-10239	261	28	metrics	metric	NOUN
ejif-10239	261	29	or	or	CCONJ
ejif-10239	261	30	if	if	SCONJ
ejif-10239	261	31	it	it	PRON
ejif-10239	261	32	's	be	AUX
ejif-10239	261	33	merely	merely	ADV
ejif-10239	261	34	coincidental	coincidental	ADJ
ejif-10239	261	35	using	use	VERB
ejif-10239	261	36	the	the	DET
ejif-10239	261	37	granger	granger	PROPN
ejif-10239	261	38	causality	causality	NOUN
ejif-10239	261	39	test	test	NOUN
ejif-10239	261	40	to	to	PART
ejif-10239	261	41	strengthen	strengthen	VERB
ejif-10239	261	42	and	and	CCONJ
ejif-10239	261	43	complement	complement	VERB
ejif-10239	261	44	the	the	DET
ejif-10239	261	45	previous	previous	ADJ
ejif-10239	261	46	results	result	NOUN
ejif-10239	261	47	by	by	ADP
ejif-10239	261	48	examining	examine	VERB
ejif-10239	261	49	the	the	DET
ejif-10239	261	50	causal	causal	ADJ
ejif-10239	261	51	relationship	relationship	NOUN
ejif-10239	261	52	among	among	ADP
ejif-10239	261	53	the	the	DET
ejif-10239	261	54	variables	variable	NOUN
ejif-10239	261	55	.	.	PUNCT
ejif-10239	262	1	by	by	ADP
ejif-10239	262	2	assessing	assess	VERB
ejif-10239	262	3	the	the	DET
ejif-10239	262	4	wald	wald	NOUN
ejif-10239	262	5	test	test	NOUN
ejif-10239	262	6	,	,	PUNCT
ejif-10239	262	7	we	we	PRON
ejif-10239	262	8	can	can	AUX
ejif-10239	262	9	determine	determine	VERB
ejif-10239	262	10	whether	whether	SCONJ
ejif-10239	262	11	one	one	NUM
ejif-10239	262	12	variable	variable	NOUN
ejif-10239	262	13	can	can	AUX
ejif-10239	262	14	be	be	AUX
ejif-10239	262	15	said	say	VERB
ejif-10239	262	16	to	to	ADP
ejif-10239	262	17	granger	granger	PROPN
ejif-10239	262	18	and	and	CCONJ
ejif-10239	262	19	cause	cause	VERB
ejif-10239	262	20	another	another	PRON
ejif-10239	262	21	(	(	PUNCT
ejif-10239	262	22	shukur	shukur	PROPN
ejif-10239	262	23	&	&	CCONJ
ejif-10239	262	24	mantalos	mantalo	NOUN
ejif-10239	262	25	,	,	PUNCT
ejif-10239	262	26	2000	2000	NUM
ejif-10239	262	27	)	)	PUNCT
ejif-10239	262	28	.	.	PUNCT
ejif-10239	263	1	table	table	NOUN
ejif-10239	263	2	7	7	NUM
ejif-10239	263	3	summarizes	summarize	NOUN
ejif-10239	263	4	the	the	DET
ejif-10239	263	5	granger	granger	PROPN
ejif-10239	263	6	causality	causality	PROPN
ejif-10239	263	7	test	test	NOUN
ejif-10239	263	8	results	result	NOUN
ejif-10239	263	9	,	,	PUNCT
ejif-10239	263	10	indicating	indicate	VERB
ejif-10239	263	11	the	the	DET
ejif-10239	263	12	causal	causal	ADJ
ejif-10239	263	13	relationships	relationship	NOUN
ejif-10239	263	14	between	between	ADP
ejif-10239	263	15	fadi	fadi	NOUN
ejif-10239	263	16	and	and	CCONJ
ejif-10239	263	17	other	other	ADJ
ejif-10239	263	18	key	key	ADJ
ejif-10239	263	19	variables	variable	NOUN
ejif-10239	263	20	.	.	PUNCT
ejif-10239	264	1	the	the	DET
ejif-10239	264	2	p	p	NOUN
ejif-10239	264	3	-	-	PUNCT
ejif-10239	264	4	values	value	NOUN
ejif-10239	264	5	suggest	suggest	VERB
ejif-10239	264	6	the	the	DET
ejif-10239	264	7	significance	significance	NOUN
ejif-10239	264	8	of	of	ADP
ejif-10239	264	9	these	these	DET
ejif-10239	264	10	relationships	relationship	NOUN
ejif-10239	264	11	.	.	PUNCT
ejif-10239	265	1	for	for	ADP
ejif-10239	265	2	instance	instance	NOUN
ejif-10239	265	3	,	,	PUNCT
ejif-10239	265	4	there	there	PRON
ejif-10239	265	5	is	be	VERB
ejif-10239	265	6	a	a	DET
ejif-10239	265	7	bidirectional	bidirectional	ADJ
ejif-10239	265	8	causal	causal	NOUN
ejif-10239	265	9	relationship	relationship	NOUN
ejif-10239	265	10	between	between	ADP
ejif-10239	265	11	fadi	fadi	NOUN
ejif-10239	265	12	and	and	CCONJ
ejif-10239	265	13	both	both	DET
ejif-10239	265	14	roa	roa	NOUN
ejif-10239	265	15	and	and	CCONJ
ejif-10239	265	16	roe	roe	PROPN
ejif-10239	265	17	,	,	PUNCT
ejif-10239	265	18	indicating	indicate	VERB
ejif-10239	265	19	that	that	SCONJ
ejif-10239	265	20	not	not	PART
ejif-10239	265	21	only	only	ADV
ejif-10239	265	22	does	do	AUX
ejif-10239	265	23	fintech	fintech	NOUN
ejif-10239	265	24	adoption	adoption	NOUN
ejif-10239	265	25	drive	drive	VERB
ejif-10239	265	26	changes	change	NOUN
ejif-10239	265	27	in	in	ADP
ejif-10239	265	28	financial	financial	ADJ
ejif-10239	265	29	profitability	profitability	NOUN
ejif-10239	265	30	,	,	PUNCT
ejif-10239	265	31	but	but	CCONJ
ejif-10239	265	32	changes	change	NOUN
ejif-10239	265	33	in	in	ADP
ejif-10239	265	34	these	these	DET
ejif-10239	265	35	profitability	profitability	NOUN
ejif-10239	265	36	metrics	metric	NOUN
ejif-10239	265	37	can	can	AUX
ejif-10239	265	38	also	also	ADV
ejif-10239	265	39	impact	impact	VERB
ejif-10239	265	40	the	the	DET
ejif-10239	265	41	rate	rate	NOUN
ejif-10239	265	42	of	of	ADP
ejif-10239	265	43	fintech	fintech	NOUN
ejif-10239	265	44	adoption	adoption	NOUN
ejif-10239	265	45	.	.	PUNCT
ejif-10239	266	1	the	the	DET
ejif-10239	266	2	table	table	NOUN
ejif-10239	266	3	also	also	ADV
ejif-10239	266	4	shows	show	VERB
ejif-10239	266	5	causal	causal	ADJ
ejif-10239	266	6	relationships	relationship	NOUN
ejif-10239	266	7	between	between	ADP
ejif-10239	266	8	fadi	fadi	NOUN
ejif-10239	266	9	and	and	CCONJ
ejif-10239	266	10	gdp	gdp	NOUN
ejif-10239	266	11	,	,	PUNCT
ejif-10239	266	12	unemployment	unemployment	NOUN
ejif-10239	266	13	,	,	PUNCT
ejif-10239	266	14	household	household	NOUN
ejif-10239	266	15	consumption	consumption	NOUN
ejif-10239	266	16	,	,	PUNCT
ejif-10239	266	17	and	and	CCONJ
ejif-10239	266	18	corporate	corporate	ADJ
ejif-10239	266	19	tax	tax	NOUN
ejif-10239	266	20	,	,	PUNCT
ejif-10239	266	21	underscoring	underscore	VERB
ejif-10239	266	22	the	the	DET
ejif-10239	266	23	extensive	extensive	ADJ
ejif-10239	266	24	influence	influence	NOUN
ejif-10239	266	25	of	of	ADP
ejif-10239	266	26	fintech	fintech	NOUN
ejif-10239	266	27	adoption	adoption	NOUN
ejif-10239	266	28	on	on	ADP
ejif-10239	266	29	economic	economic	ADJ
ejif-10239	266	30	indicators	indicator	NOUN
ejif-10239	266	31	.	.	PUNCT
ejif-10239	267	1	figure	figure	VERB
ejif-10239	267	2	6	6	NUM
ejif-10239	267	3	.	.	PUNCT
ejif-10239	268	1	bayesian	bayesian	NOUN
ejif-10239	268	2	erf	erf	PROPN
ejif-10239	268	3	european	european	PROPN
ejif-10239	268	4	journal	journal	PROPN
ejif-10239	268	5	of	of	ADP
ejif-10239	268	6	islamic	islamic	PROPN
ejif-10239	268	7	finance	finance	PROPN
ejif-10239	268	8	issn	issn	PROPN
ejif-10239	268	9	:	:	PUNCT
ejif-10239	268	10	2421	2421	NUM
ejif-10239	268	11	-	-	SYM
ejif-10239	268	12	2172	2172	NUM
ejif-10239	268	13	doi	doi	NOUN
ejif-10239	268	14	:	:	PUNCT
ejif-10239	268	15	10.13135/2421	10.13135/2421	NUM
ejif-10239	268	16	-	-	SYM
ejif-10239	268	17	2172/10239	2172/10239	NUM
ejif-10239	268	18	published	publish	VERB
ejif-10239	268	19	by	by	ADP
ejif-10239	268	20	university	university	PROPN
ejif-10239	268	21	of	of	ADP
ejif-10239	268	22	turin	turin	PROPN
ejif-10239	269	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	269	2	ejif	ejif	PROPN
ejif-10239	269	3	content	content	NOUN
ejif-10239	269	4	is	be	AUX
ejif-10239	269	5	licensed	license	VERB
ejif-10239	269	6	under	under	ADP
ejif-10239	269	7	a	a	DET
ejif-10239	269	8	creative	creative	ADJ
ejif-10239	269	9	commons	common	NOUN
ejif-10239	269	10	attribution	attribution	NOUN
ejif-10239	269	11	4.0	4.0	NUM
ejif-10239	269	12	international	international	ADJ
ejif-10239	269	13	license	license	NOUN
ejif-10239	269	14	49	49	NUM
ejif-10239	269	15	source	source	NOUN
ejif-10239	269	16	:	:	PUNCT
ejif-10239	269	17	authors	author	NOUN
ejif-10239	269	18	’	’	PART
ejif-10239	269	19	elaboration	elaboration	NOUN
ejif-10239	269	20	table	table	NOUN
ejif-10239	269	21	7	7	NUM
ejif-10239	269	22	.	.	PUNCT
ejif-10239	270	1	granger	granger	PROPN
ejif-10239	270	2	causality	causality	PROPN
ejif-10239	270	3	test	test	NOUN
ejif-10239	270	4	results	result	NOUN
ejif-10239	270	5	.00000	.00000	PROPN
ejif-10239	271	1	.00001	.00001	PROPN
ejif-10239	272	1	.00002	.00002	PROPN
ejif-10239	272	2	.00003	.00003	PROPN
ejif-10239	273	1	.00004	.00004	PROPN
ejif-10239	273	2	.00005	.00005	PROPN
ejif-10239	273	3	.00006	.00006	NOUN
ejif-10239	273	4	1	1	NUM
ejif-10239	273	5	2	2	NUM
ejif-10239	273	6	3	3	NUM
ejif-10239	273	7	4	4	NUM
ejif-10239	273	8	5	5	NUM
ejif-10239	273	9	6	6	NUM
ejif-10239	273	10	7	7	NUM
ejif-10239	273	11	8	8	NUM
ejif-10239	273	12	9	9	NUM
ejif-10239	273	13	10	10	NUM
ejif-10239	273	14	response	response	NOUN
ejif-10239	273	15	of	of	ADP
ejif-10239	273	16	roa	roa	NOUN
ejif-10239	273	17	to	to	PART
ejif-10239	273	18	fadi	fadi	VERB
ejif-10239	273	19	innovation	innovation	NOUN
ejif-10239	273	20	.000	.000	NUM
ejif-10239	273	21	.004	.004	NUM
ejif-10239	273	22	.008	.008	NUM
ejif-10239	273	23	.012	.012	NUM
ejif-10239	273	24	.016	.016	NUM
ejif-10239	273	25	.020	.020	NUM
ejif-10239	273	26	.024	.024	NUM
ejif-10239	273	27	.028	.028	NUM
ejif-10239	273	28	1	1	NUM
ejif-10239	273	29	2	2	NUM
ejif-10239	273	30	3	3	NUM
ejif-10239	273	31	4	4	NUM
ejif-10239	273	32	5	5	NUM
ejif-10239	273	33	6	6	NUM
ejif-10239	273	34	7	7	NUM
ejif-10239	273	35	8	8	NUM
ejif-10239	273	36	9	9	NUM
ejif-10239	273	37	10	10	NUM
ejif-10239	273	38	response	response	NOUN
ejif-10239	273	39	of	of	ADP
ejif-10239	273	40	roe	roe	NOUN
ejif-10239	273	41	to	to	PART
ejif-10239	273	42	fadi	fadi	VERB
ejif-10239	273	43	innovation	innovation	NOUN
ejif-10239	273	44	0	0	NUM
ejif-10239	274	1	400	400	NUM
ejif-10239	274	2	800	800	NUM
ejif-10239	274	3	1,200	1,200	NUM
ejif-10239	274	4	1,600	1,600	NUM
ejif-10239	274	5	1	1	NUM
ejif-10239	274	6	2	2	NUM
ejif-10239	274	7	3	3	NUM
ejif-10239	274	8	4	4	NUM
ejif-10239	274	9	5	5	NUM
ejif-10239	274	10	6	6	NUM
ejif-10239	274	11	7	7	NUM
ejif-10239	274	12	8	8	NUM
ejif-10239	274	13	9	9	NUM
ejif-10239	274	14	10	10	NUM
ejif-10239	274	15	response	response	NOUN
ejif-10239	274	16	of	of	ADP
ejif-10239	274	17	f_i	f_i	ADP
ejif-10239	274	18	to	to	PART
ejif-10239	274	19	fadi	fadi	NOUN
ejif-10239	274	20	innovation	innovation	NOUN
ejif-10239	274	21	.0	.0	NUM
ejif-10239	275	1	.1	.1	NUM
ejif-10239	276	1	.2	.2	NUM
ejif-10239	276	2	.3	.3	NUM
ejif-10239	276	3	.4	.4	NUM
ejif-10239	276	4	.5	.5	NUM
ejif-10239	277	1	.6	.6	NUM
ejif-10239	277	2	1	1	NUM
ejif-10239	277	3	2	2	NUM
ejif-10239	277	4	3	3	NUM
ejif-10239	277	5	4	4	NUM
ejif-10239	277	6	5	5	NUM
ejif-10239	277	7	6	6	NUM
ejif-10239	277	8	7	7	NUM
ejif-10239	277	9	8	8	NUM
ejif-10239	277	10	9	9	NUM
ejif-10239	277	11	10	10	NUM
ejif-10239	277	12	response	response	NOUN
ejif-10239	277	13	of	of	ADP
ejif-10239	277	14	gdp_growth	gdp_growth	NOUN
ejif-10239	277	15	to	to	ADP
ejif-10239	277	16	fadi	fadi	VERB
ejif-10239	277	17	innovation	innovation	NOUN
ejif-10239	277	18	-.012	-.012	PROPN
ejif-10239	277	19	-.010	-.010	PROPN
ejif-10239	277	20	-.008	-.008	NOUN
ejif-10239	277	21	-.006	-.006	PROPN
ejif-10239	277	22	-.004	-.004	PROPN
ejif-10239	277	23	-.002	-.002	NOUN
ejif-10239	277	24	.000	.000	NUM
ejif-10239	277	25	1	1	NUM
ejif-10239	277	26	2	2	NUM
ejif-10239	277	27	3	3	NUM
ejif-10239	277	28	4	4	NUM
ejif-10239	277	29	5	5	NUM
ejif-10239	277	30	6	6	NUM
ejif-10239	277	31	7	7	NUM
ejif-10239	277	32	8	8	NUM
ejif-10239	277	33	9	9	NUM
ejif-10239	277	34	10	10	NUM
ejif-10239	277	35	response	response	NOUN
ejif-10239	277	36	of	of	ADP
ejif-10239	277	37	unemp	unemp	NOUN
ejif-10239	277	38	to	to	PART
ejif-10239	277	39	fadi	fadi	VERB
ejif-10239	277	40	innovation	innovation	NOUN
ejif-10239	277	41	0	0	NUM
ejif-10239	277	42	1,000	1,000	NUM
ejif-10239	277	43	2,000	2,000	NUM
ejif-10239	277	44	3,000	3,000	NUM
ejif-10239	277	45	4,000	4,000	NUM
ejif-10239	277	46	1	1	NUM
ejif-10239	277	47	2	2	NUM
ejif-10239	277	48	3	3	NUM
ejif-10239	277	49	4	4	NUM
ejif-10239	277	50	5	5	NUM
ejif-10239	277	51	6	6	NUM
ejif-10239	277	52	7	7	NUM
ejif-10239	277	53	8	8	NUM
ejif-10239	277	54	9	9	NUM
ejif-10239	277	55	10	10	NUM
ejif-10239	277	56	response	response	NOUN
ejif-10239	277	57	of	of	ADP
ejif-10239	277	58	consumption	consumption	NOUN
ejif-10239	277	59	to	to	ADP
ejif-10239	277	60	fadi	fadi	VERB
ejif-10239	277	61	innovation	innovation	NOUN
ejif-10239	277	62	0	0	NUM
ejif-10239	277	63	100	100	NUM
ejif-10239	277	64	200	200	NUM
ejif-10239	277	65	300	300	NUM
ejif-10239	277	66	400	400	NUM
ejif-10239	277	67	500	500	NUM
ejif-10239	277	68	600	600	NUM
ejif-10239	277	69	1	1	NUM
ejif-10239	277	70	2	2	NUM
ejif-10239	277	71	3	3	NUM
ejif-10239	277	72	4	4	NUM
ejif-10239	277	73	5	5	NUM
ejif-10239	277	74	6	6	NUM
ejif-10239	277	75	7	7	NUM
ejif-10239	277	76	8	8	NUM
ejif-10239	277	77	9	9	NUM
ejif-10239	277	78	10	10	NUM
ejif-10239	277	79	response	response	NOUN
ejif-10239	277	80	of	of	ADP
ejif-10239	277	81	corp_tax	corp_tax	NUM
ejif-10239	277	82	to	to	ADP
ejif-10239	277	83	fadi	fadi	VERB
ejif-10239	277	84	innovation	innovation	NOUN
ejif-10239	277	85	.00	.00	NUM
ejif-10239	277	86	.04	.04	NUM
ejif-10239	277	87	.08	.08	NUM
ejif-10239	277	88	.12	.12	NUM
ejif-10239	277	89	.16	.16	NUM
ejif-10239	277	90	1	1	NUM
ejif-10239	277	91	2	2	NUM
ejif-10239	277	92	3	3	NUM
ejif-10239	277	93	4	4	NUM
ejif-10239	277	94	5	5	NUM
ejif-10239	277	95	6	6	NUM
ejif-10239	277	96	7	7	NUM
ejif-10239	277	97	8	8	NUM
ejif-10239	277	98	9	9	NUM
ejif-10239	277	99	10	10	NUM
ejif-10239	277	100	response	response	NOUN
ejif-10239	277	101	of	of	ADP
ejif-10239	277	102	industry	industry	NOUN
ejif-10239	277	103	to	to	PART
ejif-10239	277	104	fadi	fadi	VERB
ejif-10239	277	105	innovation	innovation	NOUN
ejif-10239	277	106	response	response	NOUN
ejif-10239	277	107	to	to	PART
ejif-10239	277	108	cholesky	cholesky	VERB
ejif-10239	277	109	one	one	NUM
ejif-10239	277	110	s.d	s.d	PROPN
ejif-10239	277	111	.	.	PUNCT
ejif-10239	278	1	(	(	PUNCT
ejif-10239	278	2	no	no	DET
ejif-10239	278	3	d.f	d.f	PROPN
ejif-10239	278	4	.	.	PROPN
ejif-10239	278	5	adjustment	adjustment	NOUN
ejif-10239	278	6	)	)	PUNCT
ejif-10239	278	7	innovations	innovation	NOUN
ejif-10239	278	8	european	european	ADJ
ejif-10239	278	9	journal	journal	PROPN
ejif-10239	278	10	of	of	ADP
ejif-10239	278	11	islamic	islamic	PROPN
ejif-10239	278	12	finance	finance	PROPN
ejif-10239	278	13	issn	issn	PROPN
ejif-10239	278	14	:	:	PUNCT
ejif-10239	278	15	2421	2421	NUM
ejif-10239	278	16	-	-	SYM
ejif-10239	278	17	2172	2172	NUM
ejif-10239	278	18	doi	doi	NOUN
ejif-10239	278	19	:	:	PUNCT
ejif-10239	278	20	10.13135/2421	10.13135/2421	NUM
ejif-10239	278	21	-	-	SYM
ejif-10239	278	22	2172/10239	2172/10239	NUM
ejif-10239	278	23	published	publish	VERB
ejif-10239	278	24	by	by	ADP
ejif-10239	278	25	university	university	PROPN
ejif-10239	278	26	of	of	ADP
ejif-10239	278	27	turin	turin	PROPN
ejif-10239	279	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	279	2	ejif	ejif	PROPN
ejif-10239	279	3	content	content	NOUN
ejif-10239	279	4	is	be	AUX
ejif-10239	279	5	licensed	license	VERB
ejif-10239	279	6	under	under	ADP
ejif-10239	279	7	a	a	DET
ejif-10239	279	8	creative	creative	ADJ
ejif-10239	279	9	commons	common	NOUN
ejif-10239	279	10	attribution	attribution	NOUN
ejif-10239	279	11	4.0	4.0	NUM
ejif-10239	279	12	international	international	ADJ
ejif-10239	279	13	license	license	NOUN
ejif-10239	279	14	50	50	NUM
ejif-10239	279	15	variable	variable	ADJ
ejif-10239	279	16	p	p	ADJ
ejif-10239	279	17	-	-	PUNCT
ejif-10239	279	18	value	value	NOUN
ejif-10239	279	19	decision	decision	NOUN
ejif-10239	279	20	the	the	DET
ejif-10239	279	21	causal	causal	ADJ
ejif-10239	279	22	relationship	relationship	NOUN
ejif-10239	279	23	between	between	ADP
ejif-10239	279	24	fadi	fadi	NOUN
ejif-10239	279	25	and	and	CCONJ
ejif-10239	279	26	islamic	islamic	ADJ
ejif-10239	279	27	banking	banking	NOUN
ejif-10239	279	28	fadi	fadi	PROPN
ejif-10239	279	29	roa	roa	PROPN
ejif-10239	279	30	roa	roa	PROPN
ejif-10239	279	31	fadi	fadi	PROPN
ejif-10239	279	32	0.0309	0.0309	NUM
ejif-10239	279	33	0.0482	0.0482	NUM
ejif-10239	279	34	bidirectional	bidirectional	ADJ
ejif-10239	279	35	causal	causal	NOUN
ejif-10239	279	36	relationship	relationship	NOUN
ejif-10239	279	37	between	between	ADP
ejif-10239	279	38	fadi	fadi	NOUN
ejif-10239	279	39	and	and	CCONJ
ejif-10239	279	40	both	both	DET
ejif-10239	279	41	roa	roa	NOUN
ejif-10239	279	42	and	and	CCONJ
ejif-10239	279	43	roe	roe	PROPN
ejif-10239	279	44	.	.	PUNCT
ejif-10239	280	1	this	this	PRON
ejif-10239	280	2	means	mean	VERB
ejif-10239	280	3	that	that	SCONJ
ejif-10239	280	4	not	not	PART
ejif-10239	280	5	only	only	ADV
ejif-10239	280	6	(	(	PUNCT
ejif-10239	280	7	fadi	fadi	NOUN
ejif-10239	280	8	)	)	PUNCT
ejif-10239	280	9	drive	drive	VERB
ejif-10239	280	10	changes	change	NOUN
ejif-10239	280	11	in	in	ADP
ejif-10239	280	12	financial	financial	ADJ
ejif-10239	280	13	profitability	profitability	NOUN
ejif-10239	280	14	(	(	PUNCT
ejif-10239	280	15	roa	roa	NOUN
ejif-10239	280	16	)	)	PUNCT
ejif-10239	280	17	and	and	CCONJ
ejif-10239	280	18	equity	equity	NOUN
ejif-10239	280	19	returns	return	NOUN
ejif-10239	280	20	(	(	PUNCT
ejif-10239	280	21	roe	roe	NOUN
ejif-10239	280	22	)	)	PUNCT
ejif-10239	280	23	but	but	CCONJ
ejif-10239	280	24	shifts	shift	NOUN
ejif-10239	280	25	in	in	ADP
ejif-10239	280	26	these	these	DET
ejif-10239	280	27	financial	financial	ADJ
ejif-10239	280	28	metrics	metric	NOUN
ejif-10239	280	29	can	can	AUX
ejif-10239	280	30	also	also	ADV
ejif-10239	280	31	influence	influence	VERB
ejif-10239	280	32	the	the	DET
ejif-10239	280	33	rate	rate	NOUN
ejif-10239	280	34	of	of	ADP
ejif-10239	280	35	fintech	fintech	NOUN
ejif-10239	280	36	adoption	adoption	NOUN
ejif-10239	280	37	.	.	PUNCT
ejif-10239	281	1	fadi	fadi	PROPN
ejif-10239	281	2	roe	roe	PROPN
ejif-10239	281	3	roe	roe	PROPN
ejif-10239	281	4	fadi	fadi	PROPN
ejif-10239	281	5	0.0225	0.0225	NUM
ejif-10239	281	6	0.0125	0.0125	NUM
ejif-10239	281	7	the	the	DET
ejif-10239	281	8	causal	causal	ADJ
ejif-10239	281	9	relationship	relationship	NOUN
ejif-10239	281	10	between	between	ADP
ejif-10239	281	11	fadi	fadi	NOUN
ejif-10239	281	12	and	and	CCONJ
ejif-10239	281	13	economic	economic	ADJ
ejif-10239	281	14	and	and	CCONJ
ejif-10239	281	15	financial	financial	ADJ
ejif-10239	281	16	variables	variable	NOUN
ejif-10239	281	17	fadi	fadi	PROPN
ejif-10239	281	18	gdp	gdp	NOUN
ejif-10239	281	19	unemployment	unemployment	NOUN
ejif-10239	281	20	consumption	consumption	NOUN
ejif-10239	281	21	industry	industry	NOUN
ejif-10239	281	22	f&i	f&i	PROPN
ejif-10239	281	23	services	services	PROPN
ejif-10239	281	24	corp	corp	PROPN
ejif-10239	281	25	tax	tax	PROPN
ejif-10239	281	26	0.0375	0.0375	NUM
ejif-10239	281	27	0.0285	0.0285	NUM
ejif-10239	282	1	0.0110	0.0110	NUM
ejif-10239	282	2	0.8935	0.8935	NUM
ejif-10239	282	3	0.0259	0.0259	NUM
ejif-10239	282	4	0.0488	0.0488	NUM
ejif-10239	282	5	causal	causal	ADJ
ejif-10239	282	6	relationships	relationship	NOUN
ejif-10239	282	7	exist	exist	VERB
ejif-10239	282	8	between	between	ADP
ejif-10239	282	9	fadi	fadi	NOUN
ejif-10239	282	10	and	and	CCONJ
ejif-10239	282	11	gdp	gdp	NOUN
ejif-10239	282	12	,	,	PUNCT
ejif-10239	282	13	employment	employment	NOUN
ejif-10239	282	14	,	,	PUNCT
ejif-10239	282	15	consumption	consumption	NOUN
ejif-10239	282	16	,	,	PUNCT
ejif-10239	282	17	f&i	f&i	PROPN
ejif-10239	282	18	services	service	NOUN
ejif-10239	282	19	and	and	CCONJ
ejif-10239	282	20	corporate	corporate	ADJ
ejif-10239	282	21	taxes	taxis	NOUN
ejif-10239	282	22	illustrating	illustrate	VERB
ejif-10239	282	23	how	how	SCONJ
ejif-10239	282	24	digital	digital	ADJ
ejif-10239	282	25	financial	financial	ADJ
ejif-10239	282	26	innovations	innovation	NOUN
ejif-10239	282	27	shape	shape	VERB
ejif-10239	282	28	economic	economic	ADJ
ejif-10239	282	29	health	health	NOUN
ejif-10239	282	30	,	,	PUNCT
ejif-10239	282	31	consumer	consumer	NOUN
ejif-10239	282	32	behaviors	behavior	NOUN
ejif-10239	282	33	,	,	PUNCT
ejif-10239	282	34	and	and	CCONJ
ejif-10239	282	35	the	the	DET
ejif-10239	282	36	dynamics	dynamic	NOUN
ejif-10239	282	37	of	of	ADP
ejif-10239	282	38	the	the	DET
ejif-10239	282	39	finance	finance	NOUN
ejif-10239	282	40	sector	sector	NOUN
ejif-10239	282	41	.	.	PUNCT
ejif-10239	283	1	intriguingly	intriguingly	ADV
ejif-10239	283	2	,	,	PUNCT
ejif-10239	283	3	fadi	fadi	PROPN
ejif-10239	283	4	does	do	AUX
ejif-10239	283	5	not	not	PART
ejif-10239	283	6	show	show	VERB
ejif-10239	283	7	a	a	DET
ejif-10239	283	8	causal	causal	ADJ
ejif-10239	283	9	relationship	relationship	NOUN
ejif-10239	283	10	with	with	ADP
ejif-10239	283	11	the	the	DET
ejif-10239	283	12	industry	industry	NOUN
ejif-10239	283	13	’s	’s	PART
ejif-10239	283	14	share	share	NOUN
ejif-10239	283	15	to	to	ADP
ejif-10239	283	16	gdp	gdp	PROPN
ejif-10239	283	17	,	,	PUNCT
ejif-10239	283	18	source	source	NOUN
ejif-10239	283	19	:	:	PUNCT
ejif-10239	283	20	authors	author	NOUN
ejif-10239	283	21	’	’	PART
ejif-10239	283	22	analysis	analysis	NOUN
ejif-10239	283	23	based	base	VERB
ejif-10239	283	24	on	on	ADP
ejif-10239	283	25	data	datum	NOUN
ejif-10239	283	26	processing	process	VERB
ejif-10239	283	27	5	5	NUM
ejif-10239	283	28	.	.	PUNCT
ejif-10239	283	29	discussion	discussion	NOUN
ejif-10239	283	30	in	in	ADP
ejif-10239	283	31	the	the	DET
ejif-10239	283	32	evolving	evolve	VERB
ejif-10239	283	33	digital	digital	ADJ
ejif-10239	283	34	butterfly	butterfly	NOUN
ejif-10239	283	35	effect	effect	NOUN
ejif-10239	283	36	,	,	PUNCT
ejif-10239	283	37	results	result	NOUN
ejif-10239	283	38	revealed	reveal	VERB
ejif-10239	283	39	that	that	SCONJ
ejif-10239	283	40	innovations	innovation	NOUN
ejif-10239	283	41	in	in	ADP
ejif-10239	283	42	the	the	DET
ejif-10239	283	43	fintech	fintech	NOUN
ejif-10239	283	44	adoption	adoption	NOUN
ejif-10239	283	45	index	index	NOUN
ejif-10239	283	46	(	(	PUNCT
ejif-10239	283	47	fadi	fadi	NOUN
ejif-10239	283	48	)	)	PUNCT
ejif-10239	283	49	have	have	VERB
ejif-10239	283	50	considerable	considerable	ADJ
ejif-10239	283	51	influence	influence	NOUN
ejif-10239	283	52	across	across	ADP
ejif-10239	283	53	various	various	ADJ
ejif-10239	283	54	sectors	sector	NOUN
ejif-10239	283	55	.	.	PUNCT
ejif-10239	284	1	the	the	DET
ejif-10239	284	2	positive	positive	ADJ
ejif-10239	284	3	trajectories	trajectory	NOUN
ejif-10239	284	4	observed	observe	VERB
ejif-10239	284	5	for	for	ADP
ejif-10239	284	6	metrics	metric	NOUN
ejif-10239	284	7	such	such	ADJ
ejif-10239	284	8	as	as	ADP
ejif-10239	284	9	roa	roa	PROPN
ejif-10239	284	10	,	,	PUNCT
ejif-10239	284	11	roe	roe	PROPN
ejif-10239	284	12	,	,	PUNCT
ejif-10239	284	13	gdp	gdp	NOUN
ejif-10239	284	14	growth	growth	NOUN
ejif-10239	284	15	,	,	PUNCT
ejif-10239	284	16	and	and	CCONJ
ejif-10239	284	17	financial	financial	ADJ
ejif-10239	284	18	&	&	CCONJ
ejif-10239	284	19	insurance	insurance	PROPN
ejif-10239	284	20	services	service	NOUN
ejif-10239	284	21	underline	underline	VERB
ejif-10239	284	22	fintech	fintech	NOUN
ejif-10239	284	23	's	's	PART
ejif-10239	284	24	potential	potential	NOUN
ejif-10239	284	25	to	to	PART
ejif-10239	284	26	supercharge	supercharge	VERB
ejif-10239	284	27	the	the	DET
ejif-10239	284	28	economy	economy	NOUN
ejif-10239	284	29	.	.	PUNCT
ejif-10239	285	1	notably	notably	ADV
ejif-10239	285	2	,	,	PUNCT
ejif-10239	285	3	these	these	DET
ejif-10239	285	4	patterns	pattern	NOUN
ejif-10239	285	5	suggest	suggest	VERB
ejif-10239	285	6	that	that	SCONJ
ejif-10239	285	7	increased	increase	VERB
ejif-10239	285	8	fintech	fintech	NOUN
ejif-10239	285	9	integration	integration	NOUN
ejif-10239	285	10	might	might	AUX
ejif-10239	285	11	push	push	VERB
ejif-10239	285	12	the	the	DET
ejif-10239	285	13	islamic	islamic	ADJ
ejif-10239	285	14	banking	banking	NOUN
ejif-10239	285	15	sector	sector	NOUN
ejif-10239	285	16	to	to	ADP
ejif-10239	285	17	another	another	DET
ejif-10239	285	18	level	level	NOUN
ejif-10239	285	19	,	,	PUNCT
ejif-10239	285	20	where	where	SCONJ
ejif-10239	285	21	roa	roa	PROPN
ejif-10239	285	22	,	,	PUNCT
ejif-10239	285	23	a	a	DET
ejif-10239	285	24	metric	metric	NOUN
ejif-10239	285	25	signifying	signify	VERB
ejif-10239	285	26	the	the	DET
ejif-10239	285	27	ability	ability	NOUN
ejif-10239	285	28	of	of	ADP
ejif-10239	285	29	assets	asset	NOUN
ejif-10239	285	30	to	to	PART
ejif-10239	285	31	generate	generate	VERB
ejif-10239	285	32	profits	profit	NOUN
ejif-10239	285	33	,	,	PUNCT
ejif-10239	285	34	exhibited	exhibit	VERB
ejif-10239	285	35	an	an	DET
ejif-10239	285	36	immediate	immediate	ADJ
ejif-10239	285	37	surge	surge	NOUN
ejif-10239	285	38	with	with	ADP
ejif-10239	285	39	heightened	heightened	ADJ
ejif-10239	285	40	fadi	fadi	NOUN
ejif-10239	285	41	.	.	PUNCT
ejif-10239	286	1	this	this	PRON
ejif-10239	286	2	suggests	suggest	VERB
ejif-10239	286	3	that	that	SCONJ
ejif-10239	286	4	fintech	fintech	NOUN
ejif-10239	286	5	integrations	integration	NOUN
ejif-10239	286	6	,	,	PUNCT
ejif-10239	286	7	ranging	range	VERB
ejif-10239	286	8	from	from	ADP
ejif-10239	286	9	digital	digital	ADJ
ejif-10239	286	10	banking	banking	NOUN
ejif-10239	286	11	platforms	platform	NOUN
ejif-10239	286	12	to	to	ADP
ejif-10239	286	13	ai	ai	VERB
ejif-10239	286	14	-	-	PUNCT
ejif-10239	286	15	driven	drive	VERB
ejif-10239	286	16	financial	financial	ADJ
ejif-10239	286	17	tools	tool	NOUN
ejif-10239	286	18	,	,	PUNCT
ejif-10239	286	19	can	can	AUX
ejif-10239	286	20	optimize	optimize	VERB
ejif-10239	286	21	asset	asset	NOUN
ejif-10239	286	22	utility	utility	NOUN
ejif-10239	286	23	,	,	PUNCT
ejif-10239	286	24	enhancing	enhance	VERB
ejif-10239	286	25	profitability	profitability	NOUN
ejif-10239	286	26	.	.	PUNCT
ejif-10239	287	1	roe	roe	NOUN
ejif-10239	287	2	,	,	PUNCT
ejif-10239	287	3	on	on	ADP
ejif-10239	287	4	the	the	DET
ejif-10239	287	5	other	other	ADJ
ejif-10239	287	6	hand	hand	NOUN
ejif-10239	287	7	,	,	PUNCT
ejif-10239	287	8	gauges	gauge	VERB
ejif-10239	287	9	the	the	DET
ejif-10239	287	10	profitability	profitability	NOUN
ejif-10239	287	11	of	of	ADP
ejif-10239	287	12	shareholders	shareholder	NOUN
ejif-10239	287	13	'	'	PART
ejif-10239	287	14	equity	equity	NOUN
ejif-10239	287	15	.	.	PUNCT
ejif-10239	288	1	its	its	PRON
ejif-10239	288	2	positive	positive	ADJ
ejif-10239	288	3	response	response	NOUN
ejif-10239	288	4	to	to	ADP
ejif-10239	288	5	fadi	fadi	NOUN
ejif-10239	288	6	indicates	indicate	VERB
ejif-10239	288	7	that	that	SCONJ
ejif-10239	288	8	as	as	SCONJ
ejif-10239	288	9	islamic	islamic	ADJ
ejif-10239	288	10	banks	bank	NOUN
ejif-10239	288	11	adopt	adopt	VERB
ejif-10239	288	12	more	more	ADJ
ejif-10239	288	13	fintech	fintech	NOUN
ejif-10239	288	14	solutions	solution	NOUN
ejif-10239	288	15	,	,	PUNCT
ejif-10239	288	16	they	they	PRON
ejif-10239	288	17	can	can	AUX
ejif-10239	288	18	generate	generate	VERB
ejif-10239	288	19	higher	high	ADJ
ejif-10239	288	20	returns	return	NOUN
ejif-10239	288	21	on	on	ADP
ejif-10239	288	22	the	the	DET
ejif-10239	288	23	capital	capital	NOUN
ejif-10239	288	24	invested	invest	VERB
ejif-10239	288	25	by	by	ADP
ejif-10239	288	26	shareholders	shareholder	NOUN
ejif-10239	288	27	.	.	PUNCT
ejif-10239	289	1	these	these	DET
ejif-10239	289	2	results	result	NOUN
ejif-10239	289	3	agreed	agree	VERB
ejif-10239	289	4	with	with	ADP
ejif-10239	289	5	the	the	DET
ejif-10239	289	6	outcomes	outcome	NOUN
ejif-10239	289	7	of	of	ADP
ejif-10239	289	8	the	the	DET
ejif-10239	289	9	previous	previous	ADJ
ejif-10239	289	10	literature	literature	NOUN
ejif-10239	289	11	(	(	PUNCT
ejif-10239	289	12	monika	monika	PROPN
ejif-10239	289	13	et	et	PROPN
ejif-10239	289	14	al	al	PROPN
ejif-10239	289	15	.	.	PROPN
ejif-10239	289	16	,	,	PUNCT
ejif-10239	289	17	2021	2021	NUM
ejif-10239	289	18	;	;	PUNCT
ejif-10239	289	19	sidaoui	sidaoui	PROPN
ejif-10239	289	20	et	et	PROPN
ejif-10239	289	21	al	al	PROPN
ejif-10239	289	22	.	.	PROPN
ejif-10239	289	23	,	,	PUNCT
ejif-10239	289	24	2022	2022	NUM
ejif-10239	289	25	;	;	PUNCT
ejif-10239	289	26	siska	siska	PROPN
ejif-10239	289	27	,	,	PUNCT
ejif-10239	289	28	2022	2022	NUM
ejif-10239	289	29	)	)	PUNCT
ejif-10239	289	30	.	.	PUNCT
ejif-10239	290	1	in	in	ADP
ejif-10239	290	2	addition	addition	NOUN
ejif-10239	290	3	,	,	PUNCT
ejif-10239	290	4	the	the	DET
ejif-10239	290	5	effectiveness	effectiveness	NOUN
ejif-10239	290	6	of	of	ADP
ejif-10239	290	7	fintech	fintech	NOUN
ejif-10239	290	8	adoption	adoption	NOUN
ejif-10239	290	9	in	in	ADP
ejif-10239	290	10	promoting	promote	VERB
ejif-10239	290	11	gdp	gdp	NOUN
ejif-10239	290	12	growth	growth	NOUN
ejif-10239	290	13	finds	find	VERB
ejif-10239	290	14	validation	validation	NOUN
ejif-10239	290	15	in	in	ADP
ejif-10239	290	16	works	work	NOUN
ejif-10239	290	17	by	by	ADP
ejif-10239	290	18	(	(	PUNCT
ejif-10239	290	19	paparoditis	paparoditis	PROPN
ejif-10239	290	20	&	&	CCONJ
ejif-10239	290	21	politis	politis	PROPN
ejif-10239	290	22	,	,	PUNCT
ejif-10239	290	23	2018	2018	NUM
ejif-10239	290	24	)	)	PUNCT
ejif-10239	290	25	and	and	CCONJ
ejif-10239	290	26	(	(	PUNCT
ejif-10239	290	27	yoon	yoon	PROPN
ejif-10239	290	28	et	et	PROPN
ejif-10239	290	29	al	al	PROPN
ejif-10239	290	30	.	.	PROPN
ejif-10239	290	31	,	,	PUNCT
ejif-10239	290	32	2023	2023	NUM
ejif-10239	290	33	)	)	PUNCT
ejif-10239	290	34	,	,	PUNCT
ejif-10239	290	35	who	who	PRON
ejif-10239	290	36	proposed	propose	VERB
ejif-10239	290	37	a	a	DET
ejif-10239	290	38	symbiotic	symbiotic	ADJ
ejif-10239	290	39	relationship	relationship	NOUN
ejif-10239	290	40	between	between	ADP
ejif-10239	290	41	digital	digital	ADJ
ejif-10239	290	42	finance	finance	NOUN
ejif-10239	290	43	innovations	innovation	NOUN
ejif-10239	290	44	and	and	CCONJ
ejif-10239	290	45	macroeconomic	macroeconomic	ADJ
ejif-10239	290	46	resilience	resilience	NOUN
ejif-10239	290	47	.	.	PUNCT
ejif-10239	291	1	additionally	additionally	ADV
ejif-10239	291	2	,	,	PUNCT
ejif-10239	291	3	corporate	corporate	ADJ
ejif-10239	291	4	tax	tax	NOUN
ejif-10239	291	5	revenue	revenue	NOUN
ejif-10239	291	6	witnesses	witness	NOUN
ejif-10239	291	7	a	a	DET
ejif-10239	291	8	positive	positive	ADJ
ejif-10239	291	9	uptick	uptick	NOUN
ejif-10239	291	10	,	,	PUNCT
ejif-10239	291	11	possibly	possibly	ADV
ejif-10239	291	12	due	due	ADP
ejif-10239	291	13	to	to	ADP
ejif-10239	291	14	increased	increase	VERB
ejif-10239	291	15	digital	digital	ADJ
ejif-10239	291	16	transactions	transaction	NOUN
ejif-10239	291	17	.	.	PUNCT
ejif-10239	292	1	the	the	DET
ejif-10239	292	2	continuous	continuous	ADJ
ejif-10239	292	3	growth	growth	NOUN
ejif-10239	292	4	observed	observe	VERB
ejif-10239	292	5	in	in	ADP
ejif-10239	292	6	the	the	DET
ejif-10239	292	7	financial	financial	ADJ
ejif-10239	292	8	and	and	CCONJ
ejif-10239	292	9	insurance	insurance	NOUN
ejif-10239	292	10	services	service	NOUN
ejif-10239	292	11	sector	sector	NOUN
ejif-10239	292	12	underscores	underscore	VERB
ejif-10239	292	13	fintech	fintech	NOUN
ejif-10239	292	14	's	's	PART
ejif-10239	292	15	role	role	NOUN
ejif-10239	292	16	in	in	ADP
ejif-10239	292	17	fostering	foster	VERB
ejif-10239	292	18	greater	great	ADJ
ejif-10239	292	19	financial	financial	ADJ
ejif-10239	292	20	inclusivity	inclusivity	NOUN
ejif-10239	292	21	and	and	CCONJ
ejif-10239	292	22	streamlining	streamlining	NOUN
ejif-10239	292	23	services	service	NOUN
ejif-10239	292	24	,	,	PUNCT
ejif-10239	292	25	propelling	propel	VERB
ejif-10239	292	26	the	the	DET
ejif-10239	292	27	sector	sector	NOUN
ejif-10239	292	28	to	to	ADP
ejif-10239	292	29	new	new	ADJ
ejif-10239	292	30	heights	height	NOUN
ejif-10239	292	31	,	,	PUNCT
ejif-10239	292	32	which	which	PRON
ejif-10239	292	33	aligns	align	VERB
ejif-10239	292	34	with	with	ADP
ejif-10239	292	35	(	(	PUNCT
ejif-10239	292	36	he	he	PRON
ejif-10239	292	37	et	et	PROPN
ejif-10239	292	38	al	al	PROPN
ejif-10239	292	39	.	.	PROPN
ejif-10239	292	40	,	,	PUNCT
ejif-10239	292	41	2017	2017	NUM
ejif-10239	292	42	)	)	PUNCT
ejif-10239	292	43	.	.	PUNCT
ejif-10239	293	1	additionally	additionally	ADV
ejif-10239	293	2	,	,	PUNCT
ejif-10239	293	3	households	household	NOUN
ejif-10239	293	4	appear	appear	VERB
ejif-10239	293	5	to	to	PART
ejif-10239	293	6	benefit	benefit	VERB
ejif-10239	293	7	from	from	ADP
ejif-10239	293	8	the	the	DET
ejif-10239	293	9	proliferation	proliferation	NOUN
ejif-10239	293	10	of	of	ADP
ejif-10239	293	11	fintech	fintech	NOUN
ejif-10239	293	12	solutions	solution	NOUN
ejif-10239	293	13	,	,	PUNCT
ejif-10239	293	14	experiencing	experience	VERB
ejif-10239	293	15	heightened	heightened	ADJ
ejif-10239	293	16	consumption	consumption	NOUN
ejif-10239	293	17	,	,	PUNCT
ejif-10239	293	18	possibly	possibly	ADV
ejif-10239	293	19	due	due	ADP
ejif-10239	293	20	to	to	ADP
ejif-10239	293	21	enhanced	enhance	VERB
ejif-10239	293	22	access	access	NOUN
ejif-10239	293	23	to	to	ADP
ejif-10239	293	24	diverse	diverse	VERB
ejif-10239	293	25	financial	financial	ADJ
ejif-10239	293	26	products	product	NOUN
ejif-10239	293	27	and	and	CCONJ
ejif-10239	293	28	platforms	platform	NOUN
ejif-10239	293	29	.	.	PUNCT
ejif-10239	294	1	moreover	moreover	ADV
ejif-10239	294	2	,	,	PUNCT
ejif-10239	294	3	an	an	DET
ejif-10239	294	4	encouraging	encouraging	ADJ
ejif-10239	294	5	sign	sign	NOUN
ejif-10239	294	6	was	be	AUX
ejif-10239	294	7	the	the	DET
ejif-10239	294	8	decline	decline	NOUN
ejif-10239	294	9	in	in	ADP
ejif-10239	294	10	unemployment	unemployment	NOUN
ejif-10239	294	11	with	with	ADP
ejif-10239	294	12	the	the	DET
ejif-10239	294	13	emergence	emergence	NOUN
ejif-10239	294	14	of	of	ADP
ejif-10239	294	15	fintech	fintech	NOUN
ejif-10239	294	16	adoption	adoption	NOUN
ejif-10239	294	17	.	.	PUNCT
ejif-10239	295	1	contrary	contrary	ADJ
ejif-10239	295	2	to	to	ADP
ejif-10239	295	3	concerns	concern	NOUN
ejif-10239	295	4	about	about	ADP
ejif-10239	295	5	digital	digital	ADJ
ejif-10239	295	6	transformation	transformation	NOUN
ejif-10239	295	7	leading	lead	VERB
ejif-10239	295	8	to	to	ADP
ejif-10239	295	9	job	job	NOUN
ejif-10239	295	10	erosion	erosion	NOUN
ejif-10239	295	11	(	(	PUNCT
ejif-10239	295	12	ben	ben	PROPN
ejif-10239	295	13	romdhane	romdhane	PROPN
ejif-10239	295	14	et	et	PROPN
ejif-10239	295	15	al	al	PROPN
ejif-10239	295	16	.	.	PROPN
ejif-10239	295	17	,	,	PUNCT
ejif-10239	295	18	2023	2023	NUM
ejif-10239	295	19	)	)	PUNCT
ejif-10239	295	20	,	,	PUNCT
ejif-10239	295	21	our	our	PRON
ejif-10239	295	22	findings	finding	NOUN
ejif-10239	295	23	hint	hint	NOUN
ejif-10239	295	24	at	at	ADP
ejif-10239	295	25	fintech	fintech	NOUN
ejif-10239	295	26	's	's	PART
ejif-10239	295	27	potential	potential	NOUN
ejif-10239	295	28	to	to	PART
ejif-10239	295	29	forge	forge	VERB
ejif-10239	295	30	new	new	ADJ
ejif-10239	295	31	employment	employment	NOUN
ejif-10239	295	32	avenues	avenue	NOUN
ejif-10239	295	33	.	.	PUNCT
ejif-10239	296	1	the	the	DET
ejif-10239	296	2	tech	tech	NOUN
ejif-10239	296	3	sector	sector	NOUN
ejif-10239	296	4	,	,	PUNCT
ejif-10239	296	5	rife	rife	NOUN
ejif-10239	296	6	with	with	ADP
ejif-10239	296	7	innovations	innovation	NOUN
ejif-10239	296	8	,	,	PUNCT
ejif-10239	296	9	seems	seem	VERB
ejif-10239	296	10	to	to	PART
ejif-10239	296	11	be	be	AUX
ejif-10239	296	12	emerging	emerge	VERB
ejif-10239	296	13	as	as	ADP
ejif-10239	296	14	a	a	DET
ejif-10239	296	15	crucible	crucible	NOUN
ejif-10239	296	16	for	for	ADP
ejif-10239	296	17	diverse	diverse	ADJ
ejif-10239	296	18	job	job	NOUN
ejif-10239	296	19	opportunities	opportunity	NOUN
ejif-10239	296	20	,	,	PUNCT
ejif-10239	296	21	assuaging	assuage	VERB
ejif-10239	296	22	fears	fear	NOUN
ejif-10239	296	23	tied	tie	VERB
ejif-10239	296	24	to	to	ADP
ejif-10239	296	25	automation	automation	NOUN
ejif-10239	296	26	and	and	CCONJ
ejif-10239	296	27	rapid	rapid	ADJ
ejif-10239	296	28	technological	technological	ADJ
ejif-10239	296	29	advancements	advancement	NOUN
ejif-10239	296	30	.	.	PUNCT
ejif-10239	297	1	on	on	ADP
ejif-10239	297	2	the	the	DET
ejif-10239	297	3	other	other	ADJ
ejif-10239	297	4	side	side	NOUN
ejif-10239	297	5	,	,	PUNCT
ejif-10239	297	6	the	the	DET
ejif-10239	297	7	pandemic	pandemic	NOUN
ejif-10239	297	8	ushered	usher	VERB
ejif-10239	297	9	in	in	ADP
ejif-10239	297	10	an	an	DET
ejif-10239	297	11	era	era	NOUN
ejif-10239	297	12	marked	mark	VERB
ejif-10239	297	13	by	by	ADP
ejif-10239	297	14	both	both	DET
ejif-10239	297	15	chaos	chaos	NOUN
ejif-10239	297	16	and	and	CCONJ
ejif-10239	297	17	digital	digital	ADJ
ejif-10239	297	18	evolution	evolution	NOUN
ejif-10239	297	19	.	.	PUNCT
ejif-10239	298	1	as	as	SCONJ
ejif-10239	298	2	global	global	ADJ
ejif-10239	298	3	economies	economy	NOUN
ejif-10239	298	4	grappled	grapple	VERB
ejif-10239	298	5	with	with	ADP
ejif-10239	298	6	disruptions	disruption	NOUN
ejif-10239	298	7	,	,	PUNCT
ejif-10239	298	8	an	an	DET
ejif-10239	298	9	intensified	intensify	VERB
ejif-10239	298	10	pivot	pivot	NOUN
ejif-10239	298	11	towards	towards	ADP
ejif-10239	298	12	digital	digital	ADJ
ejif-10239	298	13	solutions	solution	NOUN
ejif-10239	298	14	arose	arise	VERB
ejif-10239	298	15	,	,	PUNCT
ejif-10239	298	16	with	with	ADP
ejif-10239	298	17	the	the	DET
ejif-10239	298	18	islamic	islamic	ADJ
ejif-10239	298	19	banking	banking	NOUN
ejif-10239	298	20	sector	sector	NOUN
ejif-10239	298	21	no	no	DET
ejif-10239	298	22	exception	exception	NOUN
ejif-10239	298	23	.	.	PUNCT
ejif-10239	299	1	this	this	DET
ejif-10239	299	2	shift	shift	NOUN
ejif-10239	299	3	underscores	underscore	VERB
ejif-10239	299	4	the	the	DET
ejif-10239	299	5	potency	potency	NOUN
ejif-10239	299	6	of	of	ADP
ejif-10239	299	7	the	the	DET
ejif-10239	299	8	"	"	PUNCT
ejif-10239	299	9	digital	digital	ADJ
ejif-10239	299	10	butterfly	butterfly	NOUN
ejif-10239	299	11	effect	effect	NOUN
ejif-10239	299	12	"	"	PUNCT
ejif-10239	299	13	.	.	PUNCT
ejif-10239	300	1	our	our	PRON
ejif-10239	300	2	findings	finding	NOUN
ejif-10239	300	3	vividly	vividly	ADV
ejif-10239	300	4	illustrate	illustrate	VERB
ejif-10239	300	5	this	this	PRON
ejif-10239	300	6	,	,	PUNCT
ejif-10239	300	7	revealing	reveal	VERB
ejif-10239	300	8	how	how	SCONJ
ejif-10239	300	9	islamic	islamic	ADJ
ejif-10239	300	10	banking	banking	NOUN
ejif-10239	300	11	,	,	PUNCT
ejif-10239	300	12	underpinned	underpin	VERB
ejif-10239	300	13	by	by	ADP
ejif-10239	300	14	fintech	fintech	NOUN
ejif-10239	300	15	,	,	PUNCT
ejif-10239	300	16	exhibited	exhibit	VERB
ejif-10239	300	17	resilience	resilience	NOUN
ejif-10239	300	18	amidst	amidst	ADP
ejif-10239	300	19	adversity	adversity	NOUN
ejif-10239	300	20	,	,	PUNCT
ejif-10239	300	21	with	with	ADP
ejif-10239	300	22	marked	mark	VERB
ejif-10239	300	23	improvements	improvement	NOUN
ejif-10239	300	24	in	in	ADP
ejif-10239	300	25	performance	performance	NOUN
ejif-10239	300	26	metrics	metric	NOUN
ejif-10239	300	27	such	such	ADJ
ejif-10239	300	28	as	as	ADP
ejif-10239	300	29	roa	roa	PROPN
ejif-10239	300	30	and	and	CCONJ
ejif-10239	300	31	roe	roe	PROPN
ejif-10239	300	32	,	,	PUNCT
ejif-10239	300	33	which	which	PRON
ejif-10239	300	34	agreed	agree	VERB
ejif-10239	300	35	with	with	ADP
ejif-10239	300	36	the	the	DET
ejif-10239	300	37	findings	finding	NOUN
ejif-10239	300	38	(	(	PUNCT
ejif-10239	300	39	aini	aini	PROPN
ejif-10239	300	40	et	et	PROPN
ejif-10239	300	41	al	al	PROPN
ejif-10239	300	42	.	.	PROPN
ejif-10239	300	43	,	,	PUNCT
ejif-10239	300	44	2022	2022	NUM
ejif-10239	300	45	;	;	PUNCT
ejif-10239	300	46	karim	karim	PROPN
ejif-10239	300	47	et	et	PROPN
ejif-10239	300	48	al	al	PROPN
ejif-10239	300	49	.	.	PROPN
ejif-10239	300	50	,	,	PUNCT
ejif-10239	300	51	2022	2022	NUM
ejif-10239	300	52	)	)	PUNCT
ejif-10239	300	53	.	.	PUNCT
ejif-10239	301	1	furthermore	furthermore	ADV
ejif-10239	301	2	,	,	PUNCT
ejif-10239	301	3	after	after	ADP
ejif-10239	301	4	the	the	DET
ejif-10239	301	5	widespread	widespread	ADJ
ejif-10239	301	6	job	job	NOUN
ejif-10239	301	7	losses	loss	NOUN
ejif-10239	301	8	during	during	ADP
ejif-10239	301	9	the	the	DET
ejif-10239	301	10	pandemic	pandemic	NOUN
ejif-10239	301	11	,	,	PUNCT
ejif-10239	301	12	the	the	DET
ejif-10239	301	13	sector	sector	NOUN
ejif-10239	301	14	's	's	PART
ejif-10239	301	15	digital	digital	ADJ
ejif-10239	301	16	metamorphosis	metamorphosis	NOUN
ejif-10239	301	17	seems	seem	VERB
ejif-10239	301	18	to	to	PART
ejif-10239	301	19	have	have	AUX
ejif-10239	301	20	unveiled	unveil	VERB
ejif-10239	301	21	a	a	DET
ejif-10239	301	22	spectrum	spectrum	NOUN
ejif-10239	301	23	of	of	ADP
ejif-10239	301	24	new	new	ADJ
ejif-10239	301	25	employment	employment	NOUN
ejif-10239	301	26	avenues	avenue	NOUN
ejif-10239	301	27	in	in	ADP
ejif-10239	301	28	the	the	DET
ejif-10239	301	29	european	european	PROPN
ejif-10239	301	30	journal	journal	PROPN
ejif-10239	301	31	of	of	ADP
ejif-10239	301	32	islamic	islamic	PROPN
ejif-10239	301	33	finance	finance	PROPN
ejif-10239	301	34	issn	issn	PROPN
ejif-10239	301	35	:	:	PUNCT
ejif-10239	301	36	2421	2421	NUM
ejif-10239	301	37	-	-	SYM
ejif-10239	301	38	2172	2172	NUM
ejif-10239	301	39	doi	doi	NOUN
ejif-10239	301	40	:	:	PUNCT
ejif-10239	301	41	10.13135/2421	10.13135/2421	NUM
ejif-10239	301	42	-	-	SYM
ejif-10239	301	43	2172/10239	2172/10239	NUM
ejif-10239	301	44	published	publish	VERB
ejif-10239	301	45	by	by	ADP
ejif-10239	301	46	university	university	PROPN
ejif-10239	301	47	of	of	ADP
ejif-10239	301	48	turin	turin	PROPN
ejif-10239	302	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	302	2	ejif	ejif	PROPN
ejif-10239	302	3	content	content	NOUN
ejif-10239	302	4	is	be	AUX
ejif-10239	302	5	licensed	license	VERB
ejif-10239	302	6	under	under	ADP
ejif-10239	302	7	a	a	DET
ejif-10239	302	8	creative	creative	ADJ
ejif-10239	302	9	commons	common	NOUN
ejif-10239	302	10	attribution	attribution	NOUN
ejif-10239	302	11	4.0	4.0	NUM
ejif-10239	302	12	international	international	ADJ
ejif-10239	302	13	license	license	NOUN
ejif-10239	302	14	51	51	NUM
ejif-10239	302	15	post	post	ADJ
ejif-10239	302	16	-	-	ADJ
ejif-10239	302	17	pandemic	pandemic	ADJ
ejif-10239	302	18	era	era	NOUN
ejif-10239	302	19	.	.	PUNCT
ejif-10239	303	1	as	as	SCONJ
ejif-10239	303	2	we	we	PRON
ejif-10239	303	3	navigate	navigate	VERB
ejif-10239	303	4	the	the	DET
ejif-10239	303	5	post	post	ADJ
ejif-10239	303	6	-	-	ADJ
ejif-10239	303	7	pandemic	pandemic	ADJ
ejif-10239	303	8	landscape	landscape	NOUN
ejif-10239	303	9	,	,	PUNCT
ejif-10239	303	10	it	it	PRON
ejif-10239	303	11	's	be	AUX
ejif-10239	303	12	evident	evident	ADJ
ejif-10239	303	13	that	that	SCONJ
ejif-10239	303	14	the	the	DET
ejif-10239	303	15	synergy	synergy	NOUN
ejif-10239	303	16	between	between	ADP
ejif-10239	303	17	fintech	fintech	NOUN
ejif-10239	303	18	and	and	CCONJ
ejif-10239	303	19	islamic	islamic	ADJ
ejif-10239	303	20	banking	banking	NOUN
ejif-10239	303	21	is	be	AUX
ejif-10239	303	22	about	about	ADP
ejif-10239	303	23	surviving	survive	VERB
ejif-10239	303	24	challenges	challenge	NOUN
ejif-10239	303	25	and	and	CCONJ
ejif-10239	303	26	harnessing	harness	VERB
ejif-10239	303	27	them	they	PRON
ejif-10239	303	28	as	as	ADP
ejif-10239	303	29	catalysts	catalyst	NOUN
ejif-10239	303	30	for	for	ADP
ejif-10239	303	31	transformative	transformative	ADJ
ejif-10239	303	32	growth	growth	NOUN
ejif-10239	303	33	and	and	CCONJ
ejif-10239	303	34	resilience	resilience	NOUN
ejif-10239	303	35	.	.	PUNCT
ejif-10239	304	1	therefore	therefore	ADV
ejif-10239	304	2	,	,	PUNCT
ejif-10239	304	3	businesses	business	NOUN
ejif-10239	304	4	,	,	PUNCT
ejif-10239	304	5	regulators	regulator	NOUN
ejif-10239	304	6	,	,	PUNCT
ejif-10239	304	7	and	and	CCONJ
ejif-10239	304	8	educators	educator	NOUN
ejif-10239	304	9	should	should	AUX
ejif-10239	304	10	pivot	pivot	VERB
ejif-10239	304	11	towards	towards	ADP
ejif-10239	304	12	embracing	embrace	VERB
ejif-10239	304	13	fintech	fintech	NOUN
ejif-10239	304	14	innovations	innovation	NOUN
ejif-10239	304	15	and	and	CCONJ
ejif-10239	304	16	harnessing	harness	VERB
ejif-10239	304	17	their	their	PRON
ejif-10239	304	18	potential	potential	NOUN
ejif-10239	304	19	to	to	PART
ejif-10239	304	20	drive	drive	VERB
ejif-10239	304	21	resilience	resilience	NOUN
ejif-10239	304	22	and	and	CCONJ
ejif-10239	304	23	growth	growth	NOUN
ejif-10239	304	24	in	in	ADP
ejif-10239	304	25	an	an	DET
ejif-10239	304	26	interconnected	interconnected	ADJ
ejif-10239	304	27	economy	economy	NOUN
ejif-10239	304	28	.	.	PUNCT
ejif-10239	305	1	6	6	X
ejif-10239	305	2	.	.	X
ejif-10239	305	3	implications	implication	NOUN
ejif-10239	305	4	:	:	PUNCT
ejif-10239	305	5	theory	theory	NOUN
ejif-10239	305	6	&	&	CCONJ
ejif-10239	305	7	practice	practice	VERB
ejif-10239	305	8	the	the	DET
ejif-10239	305	9	findings	finding	NOUN
ejif-10239	305	10	have	have	VERB
ejif-10239	305	11	implications	implication	NOUN
ejif-10239	305	12	for	for	ADP
ejif-10239	305	13	theory	theory	NOUN
ejif-10239	305	14	and	and	CCONJ
ejif-10239	305	15	practice	practice	NOUN
ejif-10239	305	16	.	.	PUNCT
ejif-10239	306	1	the	the	DET
ejif-10239	306	2	theoretical	theoretical	ADJ
ejif-10239	306	3	consequences	consequence	NOUN
ejif-10239	306	4	contribute	contribute	VERB
ejif-10239	306	5	to	to	ADP
ejif-10239	306	6	the	the	DET
ejif-10239	306	7	literature	literature	NOUN
ejif-10239	306	8	on	on	ADP
ejif-10239	306	9	conceptualising	conceptualise	VERB
ejif-10239	306	10	the	the	DET
ejif-10239	306	11	islamic	islamic	ADJ
ejif-10239	306	12	banking	banking	NOUN
ejif-10239	306	13	activity	activity	NOUN
ejif-10239	306	14	as	as	ADP
ejif-10239	306	15	a	a	DET
ejif-10239	306	16	system	system	NOUN
ejif-10239	306	17	at	at	ADP
ejif-10239	306	18	the	the	DET
ejif-10239	306	19	heart	heart	NOUN
ejif-10239	306	20	of	of	ADP
ejif-10239	306	21	chaos	chaos	NOUN
ejif-10239	306	22	theory	theory	NOUN
ejif-10239	306	23	in	in	ADP
ejif-10239	306	24	finance	finance	NOUN
ejif-10239	306	25	that	that	PRON
ejif-10239	306	26	moves	move	VERB
ejif-10239	306	27	from	from	ADP
ejif-10239	306	28	chaos	chaos	NOUN
ejif-10239	306	29	to	to	PART
ejif-10239	306	30	order	order	VERB
ejif-10239	306	31	frequently	frequently	ADV
ejif-10239	306	32	due	due	ADP
ejif-10239	306	33	to	to	ADP
ejif-10239	306	34	the	the	DET
ejif-10239	306	35	uncertainty	uncertainty	NOUN
ejif-10239	306	36	of	of	ADP
ejif-10239	306	37	the	the	DET
ejif-10239	306	38	market	market	NOUN
ejif-10239	306	39	conditions	condition	NOUN
ejif-10239	306	40	.	.	PUNCT
ejif-10239	307	1	hence	hence	ADV
ejif-10239	307	2	,	,	PUNCT
ejif-10239	307	3	the	the	DET
ejif-10239	307	4	butterfly	butterfly	NOUN
ejif-10239	307	5	effect	effect	NOUN
ejif-10239	307	6	can	can	AUX
ejif-10239	307	7	be	be	AUX
ejif-10239	307	8	diagnosed	diagnose	VERB
ejif-10239	307	9	in	in	ADP
ejif-10239	307	10	this	this	DET
ejif-10239	307	11	research	research	NOUN
ejif-10239	307	12	through	through	ADP
ejif-10239	307	13	considering	consider	VERB
ejif-10239	307	14	the	the	DET
ejif-10239	307	15	effect	effect	NOUN
ejif-10239	307	16	of	of	ADP
ejif-10239	307	17	tiny	tiny	ADJ
ejif-10239	307	18	external	external	ADJ
ejif-10239	307	19	or	or	CCONJ
ejif-10239	307	20	internal	internal	ADJ
ejif-10239	307	21	initial	initial	ADJ
ejif-10239	307	22	events	event	NOUN
ejif-10239	307	23	that	that	PRON
ejif-10239	307	24	may	may	AUX
ejif-10239	307	25	occur	occur	VERB
ejif-10239	307	26	in	in	ADP
ejif-10239	307	27	the	the	DET
ejif-10239	307	28	market	market	NOUN
ejif-10239	307	29	(	(	PUNCT
ejif-10239	307	30	lorenz	lorenz	PROPN
ejif-10239	307	31	,	,	PUNCT
ejif-10239	307	32	2000	2000	NUM
ejif-10239	307	33	)	)	PUNCT
ejif-10239	307	34	,	,	PUNCT
ejif-10239	307	35	and	and	CCONJ
ejif-10239	307	36	the	the	DET
ejif-10239	307	37	influence	influence	NOUN
ejif-10239	307	38	of	of	ADP
ejif-10239	307	39	such	such	ADJ
ejif-10239	307	40	novelties	novelty	NOUN
ejif-10239	307	41	on	on	ADP
ejif-10239	307	42	various	various	ADJ
ejif-10239	307	43	operational	operational	ADJ
ejif-10239	307	44	and	and	CCONJ
ejif-10239	307	45	regulatory	regulatory	ADJ
ejif-10239	307	46	activities	activity	NOUN
ejif-10239	307	47	of	of	ADP
ejif-10239	307	48	the	the	DET
ejif-10239	307	49	ibs	ib	NOUN
ejif-10239	307	50	.	.	PUNCT
ejif-10239	308	1	when	when	SCONJ
ejif-10239	308	2	ibs	ibs	PROPN
ejif-10239	308	3	adopt	adopt	VERB
ejif-10239	308	4	fintech	fintech	NOUN
ejif-10239	308	5	tools	tool	NOUN
ejif-10239	308	6	,	,	PUNCT
ejif-10239	308	7	bank	bank	NOUN
ejif-10239	308	8	-	-	PUNCT
ejif-10239	308	9	specific	specific	ADJ
ejif-10239	308	10	profitability	profitability	NOUN
ejif-10239	308	11	metrics	metric	NOUN
ejif-10239	308	12	such	such	ADJ
ejif-10239	308	13	as	as	ADP
ejif-10239	308	14	return	return	NOUN
ejif-10239	308	15	on	on	ADP
ejif-10239	308	16	assets	asset	NOUN
ejif-10239	308	17	and	and	CCONJ
ejif-10239	308	18	equity	equity	NOUN
ejif-10239	308	19	are	be	AUX
ejif-10239	308	20	increased	increase	VERB
ejif-10239	308	21	,	,	PUNCT
ejif-10239	308	22	improving	improve	VERB
ejif-10239	308	23	the	the	DET
ejif-10239	308	24	ib	ib	NOUN
ejif-10239	308	25	system	system	NOUN
ejif-10239	308	26	's	's	PART
ejif-10239	308	27	placement	placement	NOUN
ejif-10239	308	28	in	in	ADP
ejif-10239	308	29	the	the	DET
ejif-10239	308	30	market	market	NOUN
ejif-10239	308	31	.	.	PUNCT
ejif-10239	309	1	the	the	DET
ejif-10239	309	2	practical	practical	ADJ
ejif-10239	309	3	implications	implication	NOUN
ejif-10239	309	4	are	be	AUX
ejif-10239	309	5	emphasised	emphasise	VERB
ejif-10239	309	6	via	via	ADP
ejif-10239	309	7	two	two	NUM
ejif-10239	309	8	different	different	ADJ
ejif-10239	309	9	points	point	NOUN
ejif-10239	309	10	.	.	PUNCT
ejif-10239	310	1	firstly	firstly	ADV
ejif-10239	310	2	,	,	PUNCT
ejif-10239	310	3	by	by	ADP
ejif-10239	310	4	offering	offer	VERB
ejif-10239	310	5	a	a	DET
ejif-10239	310	6	practical	practical	ADJ
ejif-10239	310	7	way	way	NOUN
ejif-10239	310	8	to	to	PART
ejif-10239	310	9	understand	understand	VERB
ejif-10239	310	10	the	the	DET
ejif-10239	310	11	complexity	complexity	NOUN
ejif-10239	310	12	of	of	ADP
ejif-10239	310	13	the	the	DET
ejif-10239	310	14	islamic	islamic	ADJ
ejif-10239	310	15	banking	banking	NOUN
ejif-10239	310	16	system	system	NOUN
ejif-10239	310	17	,	,	PUNCT
ejif-10239	310	18	how	how	SCONJ
ejif-10239	310	19	the	the	DET
ejif-10239	310	20	conceptualizing	conceptualizing	NOUN
ejif-10239	310	21	of	of	ADP
ejif-10239	310	22	the	the	DET
ejif-10239	310	23	chaos	chaos	NOUN
ejif-10239	310	24	theory	theory	NOUN
ejif-10239	310	25	and	and	CCONJ
ejif-10239	310	26	the	the	DET
ejif-10239	310	27	butterfly	butterfly	NOUN
ejif-10239	310	28	effect	effect	NOUN
ejif-10239	310	29	of	of	ADP
ejif-10239	310	30	the	the	DET
ejif-10239	310	31	fintech	fintech	NOUN
ejif-10239	310	32	adoption	adoption	NOUN
ejif-10239	310	33	by	by	ADP
ejif-10239	310	34	the	the	DET
ejif-10239	310	35	ibs	ibs	PROPN
ejif-10239	310	36	where	where	SCONJ
ejif-10239	310	37	results	result	NOUN
ejif-10239	310	38	underscore	underscore	VERB
ejif-10239	310	39	the	the	DET
ejif-10239	310	40	"	"	PUNCT
ejif-10239	310	41	digital	digital	ADJ
ejif-10239	310	42	butterfly	butterfly	NOUN
ejif-10239	310	43	effect	effect	NOUN
ejif-10239	310	44	,	,	PUNCT
ejif-10239	310	45	"	"	PUNCT
ejif-10239	310	46	emphasizing	emphasize	VERB
ejif-10239	310	47	how	how	SCONJ
ejif-10239	310	48	minor	minor	ADJ
ejif-10239	310	49	shifts	shift	NOUN
ejif-10239	310	50	in	in	ADP
ejif-10239	310	51	fintech	fintech	NOUN
ejif-10239	310	52	adoption	adoption	NOUN
ejif-10239	310	53	can	can	AUX
ejif-10239	310	54	have	have	VERB
ejif-10239	310	55	cascading	cascade	VERB
ejif-10239	310	56	impacts	impact	NOUN
ejif-10239	310	57	across	across	ADP
ejif-10239	310	58	the	the	DET
ejif-10239	310	59	economic	economic	ADJ
ejif-10239	310	60	landscape	landscape	NOUN
ejif-10239	310	61	.	.	PUNCT
ejif-10239	311	1	this	this	DET
ejif-10239	311	2	study	study	NOUN
ejif-10239	311	3	draws	draw	VERB
ejif-10239	311	4	initial	initial	ADJ
ejif-10239	311	5	outcomes	outcome	NOUN
ejif-10239	311	6	to	to	PART
ejif-10239	311	7	build	build	VERB
ejif-10239	311	8	informed	informed	ADJ
ejif-10239	311	9	decision	decision	NOUN
ejif-10239	311	10	making	making	NOUN
ejif-10239	311	11	,	,	PUNCT
ejif-10239	311	12	in	in	ADP
ejif-10239	311	13	being	be	AUX
ejif-10239	311	14	proactive	proactive	ADJ
ejif-10239	311	15	when	when	SCONJ
ejif-10239	311	16	assessing	assess	VERB
ejif-10239	311	17	and	and	CCONJ
ejif-10239	311	18	implementing	implement	VERB
ejif-10239	311	19	risk	risk	NOUN
ejif-10239	311	20	mitigating	mitigating	NOUN
ejif-10239	311	21	strategies	strategy	NOUN
ejif-10239	311	22	and	and	CCONJ
ejif-10239	311	23	operational	operational	ADJ
ejif-10239	311	24	methodology	methodology	NOUN
ejif-10239	311	25	in	in	ADP
ejif-10239	311	26	the	the	DET
ejif-10239	311	27	banking	banking	NOUN
ejif-10239	311	28	industry	industry	NOUN
ejif-10239	311	29	because	because	SCONJ
ejif-10239	311	30	market	market	NOUN
ejif-10239	311	31	is	be	AUX
ejif-10239	311	32	uncertain	uncertain	ADJ
ejif-10239	311	33	,	,	PUNCT
ejif-10239	311	34	and	and	CCONJ
ejif-10239	311	35	organization	organization	NOUN
ejif-10239	311	36	should	should	AUX
ejif-10239	311	37	expect	expect	VERB
ejif-10239	311	38	the	the	DET
ejif-10239	311	39	unexpected	unexpected	ADJ
ejif-10239	311	40	.	.	PUNCT
ejif-10239	312	1	secondly	secondly	ADV
ejif-10239	312	2	,	,	PUNCT
ejif-10239	312	3	looking	look	VERB
ejif-10239	312	4	into	into	ADP
ejif-10239	312	5	the	the	DET
ejif-10239	312	6	digital	digital	ADJ
ejif-10239	312	7	butterfly	butterfly	NOUN
ejif-10239	312	8	effect	effect	NOUN
ejif-10239	312	9	,	,	PUNCT
ejif-10239	312	10	and	and	CCONJ
ejif-10239	312	11	considering	consider	VERB
ejif-10239	312	12	the	the	DET
ejif-10239	312	13	globalization	globalization	NOUN
ejif-10239	312	14	and	and	CCONJ
ejif-10239	312	15	interconnectedness	interconnectedness	NOUN
ejif-10239	312	16	of	of	ADP
ejif-10239	312	17	markets	market	NOUN
ejif-10239	312	18	,	,	PUNCT
ejif-10239	312	19	policymakers	policymaker	NOUN
ejif-10239	312	20	would	would	AUX
ejif-10239	312	21	be	be	AUX
ejif-10239	312	22	able	able	ADJ
ejif-10239	312	23	to	to	PART
ejif-10239	312	24	implement	implement	VERB
ejif-10239	312	25	forecasting	forecasting	NOUN
ejif-10239	312	26	models	model	NOUN
ejif-10239	312	27	to	to	PART
ejif-10239	312	28	predict	predict	VERB
ejif-10239	312	29	to	to	ADP
ejif-10239	312	30	a	a	DET
ejif-10239	312	31	certain	certain	ADJ
ejif-10239	312	32	confidence	confidence	NOUN
ejif-10239	312	33	level	level	NOUN
ejif-10239	312	34	the	the	DET
ejif-10239	312	35	outcomes	outcome	NOUN
ejif-10239	312	36	that	that	SCONJ
ejif-10239	312	37	a	a	DET
ejif-10239	312	38	given	give	VERB
ejif-10239	312	39	event	event	NOUN
ejif-10239	312	40	might	might	AUX
ejif-10239	312	41	have	have	VERB
ejif-10239	312	42	on	on	ADP
ejif-10239	312	43	the	the	DET
ejif-10239	312	44	larger	large	ADJ
ejif-10239	312	45	scale	scale	NOUN
ejif-10239	312	46	of	of	ADP
ejif-10239	312	47	the	the	DET
ejif-10239	312	48	local	local	ADJ
ejif-10239	312	49	and	and	CCONJ
ejif-10239	312	50	international	international	ADJ
ejif-10239	312	51	markets	market	NOUN
ejif-10239	312	52	.	.	PUNCT
ejif-10239	313	1	the	the	DET
ejif-10239	313	2	fintech	fintech	NOUN
ejif-10239	313	3	adoption	adoption	NOUN
ejif-10239	313	4	index	index	NOUN
ejif-10239	313	5	,	,	PUNCT
ejif-10239	313	6	for	for	ADP
ejif-10239	313	7	instance	instance	NOUN
ejif-10239	313	8	,	,	PUNCT
ejif-10239	313	9	had	have	VERB
ejif-10239	313	10	a	a	DET
ejif-10239	313	11	positive	positive	ADJ
ejif-10239	313	12	effect	effect	NOUN
ejif-10239	313	13	on	on	ADP
ejif-10239	313	14	economic	economic	ADJ
ejif-10239	313	15	growth	growth	NOUN
ejif-10239	313	16	and	and	CCONJ
ejif-10239	313	17	reduced	reduce	VERB
ejif-10239	313	18	the	the	DET
ejif-10239	313	19	unemployment	unemployment	NOUN
ejif-10239	313	20	rate	rate	NOUN
ejif-10239	313	21	.	.	PUNCT
ejif-10239	314	1	hence	hence	ADV
ejif-10239	314	2	,	,	PUNCT
ejif-10239	314	3	despite	despite	SCONJ
ejif-10239	314	4	fintech	fintech	NOUN
ejif-10239	314	5	not	not	PART
ejif-10239	314	6	being	be	AUX
ejif-10239	314	7	directly	directly	ADV
ejif-10239	314	8	implemented	implement	VERB
ejif-10239	314	9	to	to	PART
ejif-10239	314	10	foster	foster	VERB
ejif-10239	314	11	employability	employability	NOUN
ejif-10239	314	12	in	in	ADP
ejif-10239	314	13	malaysia	malaysia	PROPN
ejif-10239	314	14	,	,	PUNCT
ejif-10239	314	15	it	it	PRON
ejif-10239	314	16	has	have	VERB
ejif-10239	314	17	an	an	DET
ejif-10239	314	18	indirect	indirect	ADJ
ejif-10239	314	19	effect	effect	NOUN
ejif-10239	314	20	on	on	ADP
ejif-10239	314	21	the	the	DET
ejif-10239	314	22	job	job	NOUN
ejif-10239	314	23	market	market	NOUN
ejif-10239	314	24	for	for	ADP
ejif-10239	314	25	a	a	DET
ejif-10239	314	26	tech	tech	NOUN
ejif-10239	314	27	-	-	PUNCT
ejif-10239	314	28	savvy	savvy	ADJ
ejif-10239	314	29	youth	youth	NOUN
ejif-10239	314	30	community	community	NOUN
ejif-10239	314	31	,	,	PUNCT
ejif-10239	314	32	for	for	ADP
ejif-10239	314	33	instance	instance	NOUN
ejif-10239	314	34	.	.	PUNCT
ejif-10239	315	1	7	7	X
ejif-10239	315	2	.	.	X
ejif-10239	315	3	conclusion	conclusion	NOUN
ejif-10239	315	4	in	in	ADP
ejif-10239	315	5	this	this	DET
ejif-10239	315	6	context	context	NOUN
ejif-10239	315	7	,	,	PUNCT
ejif-10239	315	8	the	the	DET
ejif-10239	315	9	study	study	NOUN
ejif-10239	315	10	examines	examine	VERB
ejif-10239	315	11	the	the	DET
ejif-10239	315	12	digital	digital	ADJ
ejif-10239	315	13	butterfly	butterfly	NOUN
ejif-10239	315	14	effect	effect	NOUN
ejif-10239	315	15	on	on	ADP
ejif-10239	315	16	the	the	DET
ejif-10239	315	17	islamic	islamic	ADJ
ejif-10239	315	18	banking	banking	NOUN
ejif-10239	315	19	industry	industry	NOUN
ejif-10239	315	20	to	to	PART
ejif-10239	315	21	promote	promote	VERB
ejif-10239	315	22	tech	tech	NOUN
ejif-10239	315	23	-	-	PUNCT
ejif-10239	315	24	driven	drive	VERB
ejif-10239	315	25	ibs	ib	NOUN
ejif-10239	315	26	through	through	ADP
ejif-10239	315	27	an	an	DET
ejif-10239	315	28	empirical	empirical	ADJ
ejif-10239	315	29	lens	len	NOUN
ejif-10239	315	30	;	;	PUNCT
ejif-10239	315	31	the	the	DET
ejif-10239	315	32	study	study	NOUN
ejif-10239	315	33	constructs	construct	VERB
ejif-10239	315	34	a	a	DET
ejif-10239	315	35	fintech	fintech	NOUN
ejif-10239	315	36	adoption	adoption	NOUN
ejif-10239	315	37	index	index	NOUN
ejif-10239	315	38	(	(	PUNCT
ejif-10239	315	39	fadi	fadi	NOUN
ejif-10239	315	40	)	)	PUNCT
ejif-10239	315	41	and	and	CCONJ
ejif-10239	315	42	uses	use	VERB
ejif-10239	315	43	a	a	DET
ejif-10239	315	44	bayesian	bayesian	NOUN
ejif-10239	315	45	vector	vector	NOUN
ejif-10239	315	46	auto	auto	NOUN
ejif-10239	315	47	-	-	PUNCT
ejif-10239	315	48	regressive	regressive	ADJ
ejif-10239	315	49	model	model	NOUN
ejif-10239	315	50	,	,	PUNCT
ejif-10239	315	51	causality	causality	NOUN
ejif-10239	315	52	tests	test	NOUN
ejif-10239	315	53	and	and	CCONJ
ejif-10239	315	54	impulse	impulse	ADJ
ejif-10239	315	55	response	response	NOUN
ejif-10239	315	56	functions	function	NOUN
ejif-10239	315	57	,	,	PUNCT
ejif-10239	315	58	for	for	ADP
ejif-10239	315	59	yearly	yearly	ADJ
ejif-10239	315	60	data	datum	NOUN
ejif-10239	315	61	from	from	ADP
ejif-10239	315	62	2008	2008	NUM
ejif-10239	315	63	to	to	ADP
ejif-10239	315	64	2022	2022	NUM
ejif-10239	315	65	,	,	PUNCT
ejif-10239	315	66	to	to	PART
ejif-10239	315	67	examine	examine	VERB
ejif-10239	315	68	the	the	DET
ejif-10239	315	69	possible	possible	ADJ
ejif-10239	315	70	magnified	magnified	ADJ
ejif-10239	315	71	effect	effect	NOUN
ejif-10239	315	72	of	of	ADP
ejif-10239	315	73	the	the	DET
ejif-10239	315	74	adoption	adoption	NOUN
ejif-10239	315	75	of	of	ADP
ejif-10239	315	76	fintech	fintech	NOUN
ejif-10239	315	77	by	by	ADP
ejif-10239	315	78	the	the	DET
ejif-10239	315	79	islamic	islamic	ADJ
ejif-10239	315	80	banking	banking	NOUN
ejif-10239	315	81	industry	industry	NOUN
ejif-10239	315	82	in	in	ADP
ejif-10239	315	83	malaysia	malaysia	PROPN
ejif-10239	315	84	.	.	PUNCT
ejif-10239	316	1	the	the	DET
ejif-10239	316	2	findings	finding	NOUN
ejif-10239	316	3	highlight	highlight	VERB
ejif-10239	316	4	the	the	DET
ejif-10239	316	5	role	role	NOUN
ejif-10239	316	6	of	of	ADP
ejif-10239	316	7	fintech	fintech	NOUN
ejif-10239	316	8	in	in	ADP
ejif-10239	316	9	the	the	DET
ejif-10239	316	10	malaysian	malaysian	ADJ
ejif-10239	316	11	economy	economy	NOUN
ejif-10239	316	12	,	,	PUNCT
ejif-10239	316	13	which	which	PRON
ejif-10239	316	14	goes	go	VERB
ejif-10239	316	15	beyond	beyond	ADP
ejif-10239	316	16	the	the	DET
ejif-10239	316	17	financial	financial	ADJ
ejif-10239	316	18	sector	sector	NOUN
ejif-10239	316	19	.	.	PUNCT
ejif-10239	317	1	the	the	DET
ejif-10239	317	2	research	research	NOUN
ejif-10239	317	3	’s	’s	PART
ejif-10239	317	4	outputs	output	NOUN
ejif-10239	317	5	argue	argue	VERB
ejif-10239	317	6	that	that	SCONJ
ejif-10239	317	7	at	at	ADP
ejif-10239	317	8	the	the	DET
ejif-10239	317	9	flap	flap	NOUN
ejif-10239	317	10	of	of	ADP
ejif-10239	317	11	fadi	fadi	PROPN
ejif-10239	317	12	wings	wing	NOUN
ejif-10239	317	13	,	,	PUNCT
ejif-10239	317	14	a	a	DET
ejif-10239	317	15	significant	significant	ADJ
ejif-10239	317	16	positive	positive	ADJ
ejif-10239	317	17	response	response	NOUN
ejif-10239	317	18	merges	merge	VERB
ejif-10239	317	19	across	across	ADP
ejif-10239	317	20	different	different	ADJ
ejif-10239	317	21	economic	economic	ADJ
ejif-10239	317	22	pillars	pillar	NOUN
ejif-10239	317	23	,	,	PUNCT
ejif-10239	317	24	starting	start	VERB
ejif-10239	317	25	with	with	ADP
ejif-10239	317	26	islamic	islamic	ADJ
ejif-10239	317	27	banking	banking	NOUN
ejif-10239	317	28	(	(	PUNCT
ejif-10239	317	29	roa	roa	NOUN
ejif-10239	317	30	and	and	CCONJ
ejif-10239	317	31	roe	roe	PROPN
ejif-10239	317	32	)	)	PUNCT
ejif-10239	317	33	,	,	PUNCT
ejif-10239	317	34	gdp	gdp	NOUN
ejif-10239	317	35	growth	growth	NOUN
ejif-10239	317	36	,	,	PUNCT
ejif-10239	317	37	financial	financial	ADJ
ejif-10239	317	38	and	and	CCONJ
ejif-10239	317	39	insurance	insurance	NOUN
ejif-10239	317	40	services	service	NOUN
ejif-10239	317	41	hinting	hint	VERB
ejif-10239	317	42	at	at	ADP
ejif-10239	317	43	enhanced	enhanced	ADJ
ejif-10239	317	44	financial	financial	ADJ
ejif-10239	317	45	inclusivity	inclusivity	NOUN
ejif-10239	317	46	,	,	PUNCT
ejif-10239	317	47	household	household	NOUN
ejif-10239	317	48	consumption	consumption	NOUN
ejif-10239	317	49	and	and	CCONJ
ejif-10239	317	50	corporate	corporate	ADJ
ejif-10239	317	51	tax	tax	NOUN
ejif-10239	317	52	,	,	PUNCT
ejif-10239	317	53	however	however	ADV
ejif-10239	317	54	,	,	PUNCT
ejif-10239	317	55	the	the	DET
ejif-10239	317	56	same	same	ADJ
ejif-10239	317	57	flutter	flutter	NOUN
ejif-10239	317	58	drive	drive	VERB
ejif-10239	317	59	to	to	ADP
ejif-10239	317	60	a	a	DET
ejif-10239	317	61	negative	negative	ADJ
ejif-10239	317	62	response	response	NOUN
ejif-10239	317	63	of	of	ADP
ejif-10239	317	64	unemployment	unemployment	NOUN
ejif-10239	317	65	rate	rate	NOUN
ejif-10239	317	66	probably	probably	ADV
ejif-10239	317	67	due	due	ADJ
ejif-10239	317	68	to	to	ADP
ejif-10239	317	69	shifting	shift	VERB
ejif-10239	317	70	skill	skill	NOUN
ejif-10239	317	71	requirements	requirement	NOUN
ejif-10239	317	72	.	.	PUNCT
ejif-10239	318	1	the	the	DET
ejif-10239	318	2	study	study	NOUN
ejif-10239	318	3	empirically	empirically	ADV
ejif-10239	318	4	contributes	contribute	VERB
ejif-10239	318	5	to	to	ADP
ejif-10239	318	6	the	the	DET
ejif-10239	318	7	existing	exist	VERB
ejif-10239	318	8	literature	literature	NOUN
ejif-10239	318	9	by	by	ADP
ejif-10239	318	10	investigating	investigate	VERB
ejif-10239	318	11	the	the	DET
ejif-10239	318	12	islamic	islamic	ADJ
ejif-10239	318	13	banking	banking	NOUN
ejif-10239	318	14	system	system	NOUN
ejif-10239	318	15	at	at	ADP
ejif-10239	318	16	the	the	DET
ejif-10239	318	17	heart	heart	NOUN
ejif-10239	318	18	of	of	ADP
ejif-10239	318	19	the	the	DET
ejif-10239	318	20	chaos	chaos	NOUN
ejif-10239	318	21	theory	theory	NOUN
ejif-10239	318	22	;	;	PUNCT
ejif-10239	318	23	fintech	fintech	NOUN
ejif-10239	318	24	adoption	adoption	NOUN
ejif-10239	318	25	creates	create	VERB
ejif-10239	318	26	a	a	DET
ejif-10239	318	27	non	non	ADJ
ejif-10239	318	28	-	-	ADJ
ejif-10239	318	29	linear	linear	ADJ
ejif-10239	318	30	response	response	NOUN
ejif-10239	318	31	of	of	ADP
ejif-10239	318	32	different	different	ADJ
ejif-10239	318	33	sectors	sector	NOUN
ejif-10239	318	34	of	of	ADP
ejif-10239	318	35	the	the	DET
ejif-10239	318	36	malaysian	malaysian	ADJ
ejif-10239	318	37	economy	economy	NOUN
ejif-10239	318	38	,	,	PUNCT
ejif-10239	318	39	which	which	PRON
ejif-10239	318	40	is	be	AUX
ejif-10239	318	41	emphasized	emphasize	VERB
ejif-10239	318	42	in	in	ADP
ejif-10239	318	43	the	the	DET
ejif-10239	318	44	transformative	transformative	ADJ
ejif-10239	318	45	impacts	impact	NOUN
ejif-10239	318	46	of	of	ADP
ejif-10239	318	47	fintech	fintech	NOUN
ejif-10239	318	48	tools	tool	NOUN
ejif-10239	318	49	.	.	PUNCT
ejif-10239	319	1	our	our	PRON
ejif-10239	319	2	study	study	NOUN
ejif-10239	319	3	’s	’s	PART
ejif-10239	319	4	results	result	NOUN
ejif-10239	319	5	highlight	highlight	VERB
ejif-10239	319	6	that	that	SCONJ
ejif-10239	319	7	the	the	DET
ejif-10239	319	8	effects	effect	NOUN
ejif-10239	319	9	of	of	ADP
ejif-10239	319	10	fintech	fintech	NOUN
ejif-10239	319	11	adoption	adoption	NOUN
ejif-10239	319	12	are	be	AUX
ejif-10239	319	13	unpredictable	unpredictable	ADJ
ejif-10239	319	14	and	and	CCONJ
ejif-10239	319	15	not	not	PART
ejif-10239	319	16	always	always	ADV
ejif-10239	319	17	straightforward	straightforward	ADJ
ejif-10239	319	18	.	.	PUNCT
ejif-10239	320	1	hence	hence	ADV
ejif-10239	320	2	,	,	PUNCT
ejif-10239	320	3	our	our	PRON
ejif-10239	320	4	findings	finding	NOUN
ejif-10239	320	5	shed	shed	VERB
ejif-10239	320	6	light	light	NOUN
ejif-10239	320	7	on	on	ADP
ejif-10239	320	8	the	the	DET
ejif-10239	320	9	fuller	full	ADJ
ejif-10239	320	10	picture	picture	NOUN
ejif-10239	320	11	and	and	CCONJ
ejif-10239	320	12	give	give	VERB
ejif-10239	320	13	a	a	DET
ejif-10239	320	14	holistic	holistic	ADJ
ejif-10239	320	15	viewpoint	viewpoint	NOUN
ejif-10239	320	16	to	to	ADP
ejif-10239	320	17	policymakers	policymaker	NOUN
ejif-10239	320	18	and	and	CCONJ
ejif-10239	320	19	stakeholders	stakeholder	NOUN
ejif-10239	320	20	to	to	PART
ejif-10239	320	21	embrace	embrace	VERB
ejif-10239	320	22	the	the	DET
ejif-10239	320	23	inherent	inherent	ADJ
ejif-10239	320	24	uncertainty	uncertainty	NOUN
ejif-10239	320	25	of	of	ADP
ejif-10239	320	26	technological	technological	ADJ
ejif-10239	320	27	advancement	advancement	NOUN
ejif-10239	320	28	in	in	ADP
ejif-10239	320	29	the	the	DET
ejif-10239	320	30	financial	financial	ADJ
ejif-10239	320	31	industry	industry	NOUN
ejif-10239	320	32	.	.	PUNCT
ejif-10239	321	1	policymakers	policymaker	NOUN
ejif-10239	321	2	and	and	CCONJ
ejif-10239	321	3	scholars	scholar	NOUN
ejif-10239	321	4	within	within	ADP
ejif-10239	321	5	the	the	DET
ejif-10239	321	6	field	field	NOUN
ejif-10239	321	7	must	must	AUX
ejif-10239	321	8	thoroughly	thoroughly	ADV
ejif-10239	321	9	explore	explore	VERB
ejif-10239	321	10	the	the	DET
ejif-10239	321	11	complex	complex	ADJ
ejif-10239	321	12	impact	impact	NOUN
ejif-10239	321	13	of	of	ADP
ejif-10239	321	14	fintech	fintech	NOUN
ejif-10239	321	15	adoption	adoption	NOUN
ejif-10239	321	16	on	on	ADP
ejif-10239	321	17	the	the	DET
ejif-10239	321	18	economy	economy	NOUN
ejif-10239	321	19	,	,	PUNCT
ejif-10239	321	20	ensuring	ensure	VERB
ejif-10239	321	21	meticulous	meticulous	ADJ
ejif-10239	321	22	attention	attention	NOUN
ejif-10239	321	23	to	to	ADP
ejif-10239	321	24	all	all	DET
ejif-10239	321	25	relevant	relevant	ADJ
ejif-10239	321	26	details	detail	NOUN
ejif-10239	321	27	and	and	CCONJ
ejif-10239	321	28	involved	involve	VERB
ejif-10239	321	29	stakeholders	stakeholder	NOUN
ejif-10239	321	30	and	and	CCONJ
ejif-10239	321	31	sectors	sector	NOUN
ejif-10239	321	32	.	.	PUNCT
ejif-10239	322	1	a	a	DET
ejif-10239	322	2	particular	particular	ADJ
ejif-10239	322	3	area	area	NOUN
ejif-10239	322	4	requiring	require	VERB
ejif-10239	322	5	in	in	ADP
ejif-10239	322	6	-	-	PUNCT
ejif-10239	322	7	depth	depth	NOUN
ejif-10239	322	8	analysis	analysis	NOUN
ejif-10239	322	9	is	be	AUX
ejif-10239	322	10	the	the	DET
ejif-10239	322	11	role	role	NOUN
ejif-10239	322	12	of	of	ADP
ejif-10239	322	13	fintech	fintech	NOUN
ejif-10239	322	14	in	in	ADP
ejif-10239	322	15	enhancing	enhance	VERB
ejif-10239	322	16	transparency	transparency	NOUN
ejif-10239	322	17	and	and	CCONJ
ejif-10239	322	18	fairness	fairness	NOUN
ejif-10239	322	19	and	and	CCONJ
ejif-10239	322	20	fostering	foster	VERB
ejif-10239	322	21	greater	great	ADJ
ejif-10239	322	22	equity	equity	NOUN
ejif-10239	322	23	.	.	PUNCT
ejif-10239	323	1	such	such	DET
ejif-10239	323	2	a	a	DET
ejif-10239	323	3	decentralized	decentralized	ADJ
ejif-10239	323	4	system	system	NOUN
ejif-10239	323	5	integrated	integrate	VERB
ejif-10239	323	6	with	with	ADP
ejif-10239	323	7	an	an	DET
ejif-10239	323	8	effective	effective	ADJ
ejif-10239	323	9	regtech	regtech	NOUN
ejif-10239	323	10	framework	framework	NOUN
ejif-10239	323	11	for	for	ADP
ejif-10239	323	12	efficient	efficient	ADJ
ejif-10239	323	13	governance	governance	NOUN
ejif-10239	323	14	could	could	AUX
ejif-10239	323	15	promote	promote	VERB
ejif-10239	323	16	an	an	DET
ejif-10239	323	17	inclusive	inclusive	ADJ
ejif-10239	323	18	financial	financial	ADJ
ejif-10239	323	19	system	system	NOUN
ejif-10239	323	20	.	.	PUNCT
ejif-10239	324	1	references	reference	NOUN
ejif-10239	324	2	abakah	abakah	PROPN
ejif-10239	324	3	,	,	PUNCT
ejif-10239	324	4	e.	e.	PROPN
ejif-10239	324	5	j.	j.	PROPN
ejif-10239	324	6	a.	a.	PROPN
ejif-10239	324	7	,	,	PUNCT
ejif-10239	324	8	tiwari	tiwari	PROPN
ejif-10239	324	9	,	,	PUNCT
ejif-10239	324	10	a.	a.	PROPN
ejif-10239	324	11	k.	k.	PROPN
ejif-10239	324	12	,	,	PUNCT
ejif-10239	324	13	ghosh	ghosh	PROPN
ejif-10239	324	14	,	,	PUNCT
ejif-10239	324	15	s.	s.	PROPN
ejif-10239	324	16	,	,	PUNCT
ejif-10239	324	17	&	&	CCONJ
ejif-10239	324	18	doğan	doğan	PROPN
ejif-10239	324	19	,	,	PUNCT
ejif-10239	324	20	b.	b.	PROPN
ejif-10239	324	21	(	(	PUNCT
ejif-10239	324	22	2023	2023	NUM
ejif-10239	324	23	)	)	PUNCT
ejif-10239	324	24	.	.	PUNCT
ejif-10239	325	1	dynamic	dynamic	ADJ
ejif-10239	325	2	effect	effect	NOUN
ejif-10239	325	3	of	of	ADP
ejif-10239	325	4	bitcoin	bitcoin	NOUN
ejif-10239	325	5	,	,	PUNCT
ejif-10239	325	6	fintech	fintech	NOUN
ejif-10239	325	7	and	and	CCONJ
ejif-10239	325	8	artificial	artificial	ADJ
ejif-10239	325	9	intelligence	intelligence	NOUN
ejif-10239	325	10	stocks	stock	NOUN
ejif-10239	325	11	on	on	ADP
ejif-10239	325	12	eco	eco	NOUN
ejif-10239	325	13	-	-	PUNCT
ejif-10239	325	14	friendly	friendly	ADJ
ejif-10239	325	15	assets	asset	NOUN
ejif-10239	325	16	,	,	PUNCT
ejif-10239	325	17	islamic	islamic	ADJ
ejif-10239	325	18	stocks	stock	NOUN
ejif-10239	325	19	and	and	CCONJ
ejif-10239	325	20	conventional	conventional	ADJ
ejif-10239	325	21	financial	financial	ADJ
ejif-10239	325	22	markets	market	NOUN
ejif-10239	325	23	:	:	PUNCT
ejif-10239	325	24	another	another	DET
ejif-10239	325	25	look	look	VERB
ejif-10239	325	26	using	use	VERB
ejif-10239	325	27	quantile	quantile	NOUN
ejif-10239	325	28	-	-	PUNCT
ejif-10239	325	29	based	base	VERB
ejif-10239	325	30	approaches	approach	NOUN
ejif-10239	325	31	.	.	PUNCT
ejif-10239	326	1	technological	technological	ADJ
ejif-10239	326	2	forecasting	forecasting	NOUN
ejif-10239	326	3	and	and	CCONJ
ejif-10239	326	4	social	social	ADJ
ejif-10239	326	5	change	change	NOUN
ejif-10239	326	6	,	,	PUNCT
ejif-10239	326	7	192	192	NUM
ejif-10239	326	8	,	,	PUNCT
ejif-10239	326	9	122566	122566	NUM
ejif-10239	326	10	.	.	PUNCT
ejif-10239	327	1	abdeljawad	abdeljawad	PROPN
ejif-10239	327	2	,	,	PUNCT
ejif-10239	327	3	i.	i.	PROPN
ejif-10239	327	4	,	,	PUNCT
ejif-10239	327	5	hashem	hashem	PROPN
ejif-10239	327	6	,	,	PUNCT
ejif-10239	327	7	s.	s.	PROPN
ejif-10239	327	8	q.	q.	PROPN
ejif-10239	327	9	,	,	PUNCT
ejif-10239	327	10	&	&	CCONJ
ejif-10239	327	11	rashid	rashid	PROPN
ejif-10239	327	12	,	,	PUNCT
ejif-10239	327	13	m.	m.	NOUN
ejif-10239	327	14	(	(	PUNCT
ejif-10239	327	15	2022	2022	NUM
ejif-10239	327	16	)	)	PUNCT
ejif-10239	327	17	.	.	PUNCT
ejif-10239	328	1	fintech	fintech	NOUN
ejif-10239	328	2	and	and	CCONJ
ejif-10239	328	3	islamic	islamic	ADJ
ejif-10239	328	4	financial	financial	ADJ
ejif-10239	328	5	institutions	institution	NOUN
ejif-10239	328	6	:	:	PUNCT
ejif-10239	328	7	applications	application	NOUN
ejif-10239	328	8	and	and	CCONJ
ejif-10239	328	9	challenges	challenge	NOUN
ejif-10239	328	10	.	.	PUNCT
ejif-10239	329	1	fintech	fintech	NOUN
ejif-10239	329	2	in	in	ADP
ejif-10239	329	3	islamic	islamic	ADJ
ejif-10239	329	4	financial	financial	ADJ
ejif-10239	329	5	institutions	institution	NOUN
ejif-10239	329	6	:	:	PUNCT
ejif-10239	329	7	scope	scope	NOUN
ejif-10239	329	8	,	,	PUNCT
ejif-10239	329	9	challenges	challenge	NOUN
ejif-10239	329	10	,	,	PUNCT
ejif-10239	329	11	and	and	CCONJ
ejif-10239	329	12	implications	implication	NOUN
ejif-10239	329	13	in	in	ADP
ejif-10239	329	14	islamic	islamic	ADJ
ejif-10239	329	15	finance	finance	NOUN
ejif-10239	329	16	,	,	PUNCT
ejif-10239	329	17	193	193	NUM
ejif-10239	329	18	-	-	SYM
ejif-10239	329	19	222	222	NUM
ejif-10239	329	20	.	.	PUNCT
ejif-10239	330	1	abojeib	abojeib	PROPN
ejif-10239	330	2	,	,	PUNCT
ejif-10239	330	3	m.	m.	NOUN
ejif-10239	330	4	,	,	PUNCT
ejif-10239	330	5	&	&	CCONJ
ejif-10239	330	6	habib	habib	PROPN
ejif-10239	330	7	,	,	PUNCT
ejif-10239	330	8	f.	f.	PROPN
ejif-10239	330	9	(	(	PUNCT
ejif-10239	330	10	2021	2021	NUM
ejif-10239	330	11	)	)	PUNCT
ejif-10239	330	12	.	.	PUNCT
ejif-10239	331	1	blockchain	blockchain	PROPN
ejif-10239	331	2	for	for	ADP
ejif-10239	331	3	islamic	islamic	ADJ
ejif-10239	331	4	social	social	ADJ
ejif-10239	331	5	responsibility	responsibility	NOUN
ejif-10239	331	6	institutions	institution	NOUN
ejif-10239	331	7	.	.	PUNCT
ejif-10239	332	1	in	in	ADP
ejif-10239	332	2	research	research	NOUN
ejif-10239	332	3	anthology	anthology	NOUN
ejif-10239	332	4	on	on	ADP
ejif-10239	332	5	blockchain	blockchain	PROPN
ejif-10239	332	6	technology	technology	PROPN
ejif-10239	332	7	in	in	ADP
ejif-10239	332	8	business	business	NOUN
ejif-10239	332	9	,	,	PUNCT
ejif-10239	332	10	healthcare	healthcare	PROPN
ejif-10239	332	11	,	,	PUNCT
ejif-10239	332	12	education	education	NOUN
ejif-10239	332	13	,	,	PUNCT
ejif-10239	332	14	and	and	CCONJ
ejif-10239	332	15	government	government	NOUN
ejif-10239	332	16	(	(	PUNCT
ejif-10239	332	17	pp	pp	ADJ
ejif-10239	332	18	.	.	PUNCT
ejif-10239	332	19	1114	1114	NUM
ejif-10239	332	20	-	-	SYM
ejif-10239	332	21	1128	1128	NUM
ejif-10239	332	22	)	)	PUNCT
ejif-10239	332	23	.	.	PUNCT
ejif-10239	333	1	igi	igi	PROPN
ejif-10239	333	2	global	global	PROPN
ejif-10239	333	3	.	.	PUNCT
ejif-10239	334	1	abu	abu	PROPN
ejif-10239	334	2	-	-	PUNCT
ejif-10239	334	3	bakar	bakar	PROPN
ejif-10239	334	4	,	,	PUNCT
ejif-10239	334	5	m.	m.	NOUN
ejif-10239	334	6	m.	m.	NOUN
ejif-10239	334	7	(	(	PUNCT
ejif-10239	334	8	2018	2018	NUM
ejif-10239	334	9	)	)	PUNCT
ejif-10239	334	10	.	.	PUNCT
ejif-10239	335	1	shariah	shariah	PROPN
ejif-10239	335	2	analysis	analysis	NOUN
ejif-10239	335	3	of	of	ADP
ejif-10239	335	4	bitcoin	bitcoin	NOUN
ejif-10239	335	5	,	,	PUNCT
ejif-10239	335	6	cryptocurrency	cryptocurrency	NOUN
ejif-10239	335	7	,	,	PUNCT
ejif-10239	335	8	and	and	CCONJ
ejif-10239	335	9	blockchain	blockchain	PROPN
ejif-10239	335	10	.	.	PUNCT
ejif-10239	336	1	shariah	shariah	PROPN
ejif-10239	336	2	analysis	analysis	NOUN
ejif-10239	336	3	in	in	ADP
ejif-10239	336	4	light	light	NOUN
ejif-10239	336	5	of	of	ADP
ejif-10239	336	6	fatwas	fatwas	NOUN
ejif-10239	336	7	and	and	CCONJ
ejif-10239	336	8	scholars	scholar	NOUN
ejif-10239	336	9	’	’	PART
ejif-10239	336	10	opinions	opinion	NOUN
ejif-10239	336	11	,	,	PUNCT
ejif-10239	336	12	14	14	NUM
ejif-10239	336	13	-	-	SYM
ejif-10239	336	14	19	19	NUM
ejif-10239	336	15	.	.	PUNCT
ejif-10239	336	16	aini	aini	PROPN
ejif-10239	336	17	,	,	PUNCT
ejif-10239	336	18	i.	i.	PROPN
ejif-10239	336	19	,	,	PUNCT
ejif-10239	336	20	nasution	nasution	NOUN
ejif-10239	336	21	,	,	PUNCT
ejif-10239	336	22	a.	a.	NOUN
ejif-10239	336	23	m.	m.	NOUN
ejif-10239	336	24	,	,	PUNCT
ejif-10239	336	25	kurniawan	kurniawan	PROPN
ejif-10239	336	26	,	,	PUNCT
ejif-10239	336	27	f.	f.	PROPN
ejif-10239	336	28	,	,	PUNCT
ejif-10239	336	29	&	&	CCONJ
ejif-10239	336	30	lubis	lubis	PROPN
ejif-10239	336	31	,	,	PUNCT
ejif-10239	336	32	r.	r.	PROPN
ejif-10239	336	33	h.	h.	PROPN
ejif-10239	336	34	(	(	PUNCT
ejif-10239	336	35	2022	2022	NUM
ejif-10239	336	36	)	)	PUNCT
ejif-10239	336	37	.	.	PUNCT
ejif-10239	337	1	fintech	fintech	NOUN
ejif-10239	337	2	opportunities	opportunity	NOUN
ejif-10239	337	3	and	and	CCONJ
ejif-10239	337	4	challenges	challenge	NOUN
ejif-10239	337	5	in	in	ADP
ejif-10239	337	6	the	the	DET
ejif-10239	337	7	sharia	sharia	PROPN
ejif-10239	337	8	banking	banking	PROPN
ejif-10239	337	9	european	european	PROPN
ejif-10239	337	10	journal	journal	PROPN
ejif-10239	337	11	of	of	ADP
ejif-10239	337	12	islamic	islamic	PROPN
ejif-10239	337	13	finance	finance	PROPN
ejif-10239	337	14	issn	issn	PROPN
ejif-10239	337	15	:	:	PUNCT
ejif-10239	337	16	2421	2421	NUM
ejif-10239	337	17	-	-	SYM
ejif-10239	337	18	2172	2172	NUM
ejif-10239	337	19	doi	doi	NOUN
ejif-10239	337	20	:	:	PUNCT
ejif-10239	337	21	10.13135/2421	10.13135/2421	NUM
ejif-10239	337	22	-	-	SYM
ejif-10239	337	23	2172/10239	2172/10239	NUM
ejif-10239	337	24	published	publish	VERB
ejif-10239	337	25	by	by	ADP
ejif-10239	337	26	university	university	PROPN
ejif-10239	337	27	of	of	ADP
ejif-10239	337	28	turin	turin	PROPN
ejif-10239	338	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	338	2	ejif	ejif	PROPN
ejif-10239	338	3	content	content	NOUN
ejif-10239	338	4	is	be	AUX
ejif-10239	338	5	licensed	license	VERB
ejif-10239	338	6	under	under	ADP
ejif-10239	338	7	a	a	DET
ejif-10239	338	8	creative	creative	ADJ
ejif-10239	338	9	commons	common	NOUN
ejif-10239	338	10	attribution	attribution	NOUN
ejif-10239	338	11	4.0	4.0	NUM
ejif-10239	338	12	international	international	ADJ
ejif-10239	338	13	license	license	NOUN
ejif-10239	338	14	52	52	NUM
ejif-10239	338	15	industry	industry	NOUN
ejif-10239	338	16	in	in	ADP
ejif-10239	338	17	pandemic	pandemic	ADJ
ejif-10239	338	18	times	time	NOUN
ejif-10239	338	19	.	.	PUNCT
ejif-10239	339	1	al	al	PROPN
ejif-10239	339	2	-	-	PUNCT
ejif-10239	339	3	masharif	masharif	PROPN
ejif-10239	339	4	:	:	PUNCT
ejif-10239	339	5	jurnal	jurnal	ADJ
ejif-10239	339	6	ilmu	ilmu	PROPN
ejif-10239	339	7	ekonomi	ekonomi	PROPN
ejif-10239	339	8	dan	dan	PROPN
ejif-10239	339	9	keislaman	keislaman	PROPN
ejif-10239	339	10	,	,	PUNCT
ejif-10239	339	11	10(2	10(2	NUM
ejif-10239	339	12	)	)	PUNCT
ejif-10239	339	13	,	,	PUNCT
ejif-10239	339	14	143	143	NUM
ejif-10239	339	15	-	-	SYM
ejif-10239	339	16	157	157	NUM
ejif-10239	339	17	.	.	PUNCT
ejif-10239	340	1	al	al	PROPN
ejif-10239	340	2	-	-	PUNCT
ejif-10239	340	3	jamili	jamili	PROPN
ejif-10239	340	4	,	,	PUNCT
ejif-10239	340	5	o.	o.	NOUN
ejif-10239	340	6	(	(	PUNCT
ejif-10239	340	7	2019	2019	NUM
ejif-10239	340	8	)	)	PUNCT
ejif-10239	340	9	.	.	PUNCT
ejif-10239	341	1	smart	smart	ADJ
ejif-10239	341	2	contracts	contract	NOUN
ejif-10239	341	3	,	,	PUNCT
ejif-10239	341	4	their	their	PRON
ejif-10239	341	5	reality	reality	NOUN
ejif-10239	341	6	and	and	CCONJ
ejif-10239	341	7	their	their	PRON
ejif-10239	341	8	relationship	relationship	NOUN
ejif-10239	341	9	to	to	ADP
ejif-10239	341	10	virtual	virtual	ADJ
ejif-10239	341	11	currencies	currency	NOUN
ejif-10239	341	12	.	.	PUNCT
ejif-10239	342	1	in	in	ADP
ejif-10239	342	2	international	international	ADJ
ejif-10239	342	3	islamic	islamic	ADJ
ejif-10239	342	4	jurisprudence	jurisprudence	PROPN
ejif-10239	342	5	assembly	assembly	PROPN
ejif-10239	342	6	conference	conference	PROPN
ejif-10239	342	7	dubai	dubai	PROPN
ejif-10239	342	8	,	,	PUNCT
ejif-10239	342	9	dubai	dubai	PROPN
ejif-10239	342	10	,	,	PUNCT
ejif-10239	342	11	islamic	islamic	PROPN
ejif-10239	342	12	affairs	affairs	PROPN
ejif-10239	342	13	&	&	CCONJ
ejif-10239	342	14	charitable	charitable	ADJ
ejif-10239	342	15	activities	activity	NOUN
ejif-10239	342	16	department	department	NOUN
ejif-10239	342	17	&	&	CCONJ
ejif-10239	342	18	government	government	PROPN
ejif-10239	342	19	of	of	ADP
ejif-10239	342	20	dubai	dubai	PROPN
ejif-10239	342	21	.	.	PUNCT
ejif-10239	343	1	asif	asif	PROPN
ejif-10239	343	2	,	,	PUNCT
ejif-10239	343	3	s.	s.	PROPN
ejif-10239	343	4	(	(	PUNCT
ejif-10239	343	5	2018	2018	NUM
ejif-10239	343	6	)	)	PUNCT
ejif-10239	343	7	.	.	PUNCT
ejif-10239	344	1	the	the	DET
ejif-10239	344	2	halal	halal	NOUN
ejif-10239	344	3	and	and	CCONJ
ejif-10239	344	4	haram	haram	PROPN
ejif-10239	344	5	aspect	aspect	NOUN
ejif-10239	344	6	of	of	ADP
ejif-10239	344	7	cryptocurrencies	cryptocurrencie	NOUN
ejif-10239	344	8	in	in	ADP
ejif-10239	344	9	islam	islam	PROPN
ejif-10239	344	10	.	.	PROPN
ejif-10239	344	11	journal	journal	PROPN
ejif-10239	344	12	of	of	ADP
ejif-10239	344	13	islamic	islamic	PROPN
ejif-10239	344	14	banking	banking	NOUN
ejif-10239	344	15	and	and	CCONJ
ejif-10239	344	16	finance	finance	NOUN
ejif-10239	344	17	,	,	PUNCT
ejif-10239	344	18	35(2	35(2	NUM
ejif-10239	344	19	)	)	PUNCT
ejif-10239	344	20	,	,	PUNCT
ejif-10239	344	21	91101	91101	NUM
ejif-10239	344	22	.	.	PUNCT
ejif-10239	345	1	atiyah	atiyah	PROPN
ejif-10239	345	2	,	,	PUNCT
ejif-10239	345	3	g.	g.	PROPN
ejif-10239	345	4	a.	a.	PROPN
ejif-10239	345	5	,	,	PUNCT
ejif-10239	345	6	manap	manap	NOUN
ejif-10239	345	7	,	,	PUNCT
ejif-10239	345	8	n.	n.	PROPN
ejif-10239	345	9	a.	a.	PROPN
ejif-10239	345	10	,	,	PUNCT
ejif-10239	345	11	ibrahim	ibrahim	PROPN
ejif-10239	345	12	,	,	PUNCT
ejif-10239	345	13	a.	a.	NOUN
ejif-10239	345	14	i.	i.	PROPN
ejif-10239	345	15	,	,	PUNCT
ejif-10239	345	16	&	&	CCONJ
ejif-10239	345	17	rahman	rahman	PROPN
ejif-10239	345	18	,	,	PUNCT
ejif-10239	345	19	a.	a.	NOUN
ejif-10239	345	20	(	(	PUNCT
ejif-10239	345	21	2024	2024	NUM
ejif-10239	345	22	)	)	PUNCT
ejif-10239	345	23	.	.	PUNCT
ejif-10239	346	1	legitimacy	legitimacy	NOUN
ejif-10239	346	2	of	of	ADP
ejif-10239	346	3	smart	smart	ADJ
ejif-10239	346	4	contracts	contract	NOUN
ejif-10239	346	5	from	from	ADP
ejif-10239	346	6	the	the	DET
ejif-10239	346	7	perspective	perspective	NOUN
ejif-10239	346	8	of	of	ADP
ejif-10239	346	9	islamic	islamic	ADJ
ejif-10239	346	10	law	law	NOUN
ejif-10239	346	11	:	:	PUNCT
ejif-10239	346	12	a	a	DET
ejif-10239	346	13	case	case	NOUN
ejif-10239	346	14	study	study	NOUN
ejif-10239	346	15	of	of	ADP
ejif-10239	346	16	blockchain	blockchain	PROPN
ejif-10239	346	17	transactions	transaction	NOUN
ejif-10239	346	18	.	.	PUNCT
ejif-10239	347	1	al	al	PROPN
ejif-10239	347	2	-	-	PUNCT
ejif-10239	347	3	istinbath	istinbath	PROPN
ejif-10239	347	4	:	:	PUNCT
ejif-10239	347	5	jurnal	jurnal	PROPN
ejif-10239	347	6	hukum	hukum	PROPN
ejif-10239	347	7	islam	islam	PROPN
ejif-10239	347	8	,	,	PUNCT
ejif-10239	347	9	9(1	9(1	NUM
ejif-10239	347	10	)	)	PUNCT
ejif-10239	347	11	,	,	PUNCT
ejif-10239	347	12	155	155	NUM
ejif-10239	347	13	-	-	SYM
ejif-10239	347	14	192	192	NUM
ejif-10239	347	15	.	.	PUNCT
ejif-10239	348	1	benlala	benlala	PROPN
ejif-10239	348	2	,	,	PUNCT
ejif-10239	348	3	m.	m.	NOUN
ejif-10239	348	4	a.	a.	NOUN
ejif-10239	348	5	(	(	PUNCT
ejif-10239	348	6	2023	2023	NUM
ejif-10239	348	7	)	)	PUNCT
ejif-10239	348	8	.	.	PUNCT
ejif-10239	349	1	exploring	explore	VERB
ejif-10239	349	2	risks	risk	NOUN
ejif-10239	349	3	and	and	CCONJ
ejif-10239	349	4	issues	issue	NOUN
ejif-10239	349	5	related	relate	VERB
ejif-10239	349	6	to	to	ADP
ejif-10239	349	7	policy	policy	NOUN
ejif-10239	349	8	making	making	NOUN
ejif-10239	349	9	and	and	CCONJ
ejif-10239	349	10	regulation	regulation	NOUN
ejif-10239	349	11	in	in	ADP
ejif-10239	349	12	fintech	fintech	NOUN
ejif-10239	349	13	.	.	PUNCT
ejif-10239	350	1	perspectives	perspective	NOUN
ejif-10239	350	2	of	of	ADP
ejif-10239	350	3	law	law	NOUN
ejif-10239	350	4	and	and	CCONJ
ejif-10239	350	5	public	public	ADJ
ejif-10239	350	6	administration	administration	NOUN
ejif-10239	350	7	,	,	PUNCT
ejif-10239	350	8	12(2	12(2	NUM
ejif-10239	350	9	)	)	PUNCT
ejif-10239	350	10	,	,	PUNCT
ejif-10239	350	11	249	249	NUM
ejif-10239	350	12	-	-	SYM
ejif-10239	350	13	255	255	NUM
ejif-10239	350	14	.	.	PUNCT
ejif-10239	351	1	ben	ben	PROPN
ejif-10239	351	2	romdhane	romdhane	PROPN
ejif-10239	351	3	,	,	PUNCT
ejif-10239	351	4	y.	y.	PROPN
ejif-10239	351	5	,	,	PUNCT
ejif-10239	351	6	kammoun	kammoun	PROPN
ejif-10239	351	7	,	,	PUNCT
ejif-10239	351	8	s.	s.	PROPN
ejif-10239	351	9	,	,	PUNCT
ejif-10239	351	10	&	&	CCONJ
ejif-10239	351	11	loukil	loukil	PROPN
ejif-10239	351	12	,	,	PUNCT
ejif-10239	351	13	s.	s.	PROPN
ejif-10239	351	14	(	(	PUNCT
ejif-10239	351	15	2023	2023	NUM
ejif-10239	351	16	)	)	PUNCT
ejif-10239	351	17	.	.	PUNCT
ejif-10239	352	1	the	the	DET
ejif-10239	352	2	impact	impact	NOUN
ejif-10239	352	3	of	of	ADP
ejif-10239	352	4	fintech	fintech	NOUN
ejif-10239	352	5	on	on	ADP
ejif-10239	352	6	inflation	inflation	NOUN
ejif-10239	352	7	and	and	CCONJ
ejif-10239	352	8	unemployment	unemployment	NOUN
ejif-10239	352	9	:	:	PUNCT
ejif-10239	352	10	the	the	DET
ejif-10239	352	11	case	case	NOUN
ejif-10239	352	12	of	of	ADP
ejif-10239	352	13	asia	asia	PROPN
ejif-10239	352	14	.	.	PUNCT
ejif-10239	353	1	arab	arab	PROPN
ejif-10239	353	2	gulf	gulf	PROPN
ejif-10239	353	3	journal	journal	PROPN
ejif-10239	353	4	of	of	ADP
ejif-10239	353	5	scientific	scientific	ADJ
ejif-10239	353	6	research	research	NOUN
ejif-10239	353	7	.	.	PUNCT
ejif-10239	354	1	bovens	boven	NOUN
ejif-10239	354	2	m.	m.	NOUN
ejif-10239	354	3	(	(	PUNCT
ejif-10239	354	4	2010	2010	NUM
ejif-10239	354	5	)	)	PUNCT
ejif-10239	354	6	two	two	NUM
ejif-10239	354	7	concepts	concept	NOUN
ejif-10239	354	8	of	of	ADP
ejif-10239	354	9	accountability	accountability	NOUN
ejif-10239	354	10	:	:	PUNCT
ejif-10239	354	11	accountability	accountability	NOUN
ejif-10239	354	12	as	as	ADP
ejif-10239	354	13	a	a	DET
ejif-10239	354	14	virtue	virtue	NOUN
ejif-10239	354	15	and	and	CCONJ
ejif-10239	354	16	as	as	ADP
ejif-10239	354	17	a	a	DET
ejif-10239	354	18	mechanism	mechanism	NOUN
ejif-10239	354	19	.	.	PUNCT
ejif-10239	355	1	west	west	PROPN
ejif-10239	355	2	european	european	ADJ
ejif-10239	355	3	politics	politic	NOUN
ejif-10239	355	4	.	.	PUNCT
ejif-10239	356	1	vol	vol	NOUN
ejif-10239	356	2	.	.	PROPN
ejif-10239	357	1	33	33	NUM
ejif-10239	357	2	,	,	PUNCT
ejif-10239	357	3	no	no	INTJ
ejif-10239	357	4	.	.	NOUN
ejif-10239	357	5	5	5	NUM
ejif-10239	357	6	,	,	PUNCT
ejif-10239	357	7	946–967	946–967	NUM
ejif-10239	357	8	.	.	PUNCT
ejif-10239	358	1	charles	charles	PROPN
ejif-10239	358	2	,	,	PUNCT
ejif-10239	358	3	w.	w.	PROPN
ejif-10239	358	4	e.	e.	PROPN
ejif-10239	358	5	(	(	PUNCT
ejif-10239	358	6	2015	2015	NUM
ejif-10239	358	7	)	)	PUNCT
ejif-10239	358	8	.	.	PUNCT
ejif-10239	359	1	bitcoin	bitcoin	PROPN
ejif-10239	359	2	in	in	ADP
ejif-10239	359	3	islamic	islamic	ADJ
ejif-10239	359	4	banking	banking	NOUN
ejif-10239	359	5	and	and	CCONJ
ejif-10239	359	6	finance	finance	NOUN
ejif-10239	359	7	.	.	PUNCT
ejif-10239	360	1	journal	journal	PROPN
ejif-10239	360	2	of	of	ADP
ejif-10239	360	3	islamic	islamic	PROPN
ejif-10239	360	4	banking	banking	NOUN
ejif-10239	360	5	and	and	CCONJ
ejif-10239	360	6	finance	finance	NOUN
ejif-10239	360	7	,	,	PUNCT
ejif-10239	360	8	3(1	3(1	NUM
ejif-10239	360	9	)	)	PUNCT
ejif-10239	360	10	,	,	PUNCT
ejif-10239	360	11	1	1	NUM
ejif-10239	360	12	-	-	SYM
ejif-10239	360	13	11	11	NUM
ejif-10239	360	14	.	.	PUNCT
ejif-10239	361	1	chouldechova	chouldechova	PROPN
ejif-10239	361	2	,	,	PUNCT
ejif-10239	361	3	a.	a.	PROPN
ejif-10239	361	4	,	,	PUNCT
ejif-10239	361	5	&	&	CCONJ
ejif-10239	361	6	roth	roth	PROPN
ejif-10239	361	7	,	,	PUNCT
ejif-10239	361	8	a.	a.	NOUN
ejif-10239	361	9	(	(	PUNCT
ejif-10239	361	10	2020	2020	NUM
ejif-10239	361	11	)	)	PUNCT
ejif-10239	361	12	.	.	PUNCT
ejif-10239	362	1	a	a	DET
ejif-10239	362	2	snapshot	snapshot	NOUN
ejif-10239	362	3	of	of	ADP
ejif-10239	362	4	the	the	DET
ejif-10239	362	5	frontiers	frontier	NOUN
ejif-10239	362	6	of	of	ADP
ejif-10239	362	7	fairness	fairness	NOUN
ejif-10239	362	8	in	in	ADP
ejif-10239	362	9	machine	machine	NOUN
ejif-10239	362	10	learning	learning	NOUN
ejif-10239	362	11	.	.	PUNCT
ejif-10239	363	1	communications	communication	NOUN
ejif-10239	363	2	of	of	ADP
ejif-10239	363	3	the	the	DET
ejif-10239	363	4	acm	acm	NOUN
ejif-10239	363	5	,	,	PUNCT
ejif-10239	363	6	63(5	63(5	NOUN
ejif-10239	363	7	)	)	PUNCT
ejif-10239	363	8	,	,	PUNCT
ejif-10239	363	9	82	82	NUM
ejif-10239	363	10	-	-	SYM
ejif-10239	363	11	89	89	NUM
ejif-10239	363	12	.	.	PUNCT
ejif-10239	364	1	ciccarelli	ciccarelli	NOUN
ejif-10239	364	2	,	,	PUNCT
ejif-10239	364	3	m.	m.	NOUN
ejif-10239	364	4	m.	m.	NOUN
ejif-10239	364	5	,	,	PUNCT
ejif-10239	364	6	&	&	CCONJ
ejif-10239	364	7	rebucci	rebucci	PROPN
ejif-10239	364	8	,	,	PUNCT
ejif-10239	364	9	m.	m.	NOUN
ejif-10239	364	10	a.	a.	NOUN
ejif-10239	364	11	(	(	PUNCT
ejif-10239	364	12	2003	2003	NUM
ejif-10239	364	13	)	)	PUNCT
ejif-10239	364	14	.	.	PUNCT
ejif-10239	365	1	bayesian	bayesian	NOUN
ejif-10239	365	2	vars	var	NOUN
ejif-10239	365	3	:	:	PUNCT
ejif-10239	365	4	a	a	DET
ejif-10239	365	5	survey	survey	NOUN
ejif-10239	365	6	of	of	ADP
ejif-10239	365	7	the	the	DET
ejif-10239	365	8	recent	recent	ADJ
ejif-10239	365	9	literature	literature	NOUN
ejif-10239	365	10	with	with	ADP
ejif-10239	365	11	an	an	DET
ejif-10239	365	12	application	application	NOUN
ejif-10239	365	13	to	to	ADP
ejif-10239	365	14	the	the	DET
ejif-10239	365	15	european	european	ADJ
ejif-10239	365	16	monetary	monetary	ADJ
ejif-10239	365	17	system	system	NOUN
ejif-10239	365	18	.	.	PUNCT
ejif-10239	366	1	dahlberg	dahlberg	PROPN
ejif-10239	366	2	,	,	PUNCT
ejif-10239	366	3	t.	t.	PROPN
ejif-10239	366	4	,	,	PUNCT
ejif-10239	366	5	guo	guo	PROPN
ejif-10239	366	6	,	,	PUNCT
ejif-10239	366	7	j.	j.	PROPN
ejif-10239	366	8	,	,	PUNCT
ejif-10239	366	9	&	&	CCONJ
ejif-10239	366	10	ondrus	ondrus	PROPN
ejif-10239	366	11	,	,	PUNCT
ejif-10239	366	12	j.	j.	PROPN
ejif-10239	366	13	(	(	PUNCT
ejif-10239	366	14	2015	2015	NUM
ejif-10239	366	15	)	)	PUNCT
ejif-10239	366	16	.	.	PUNCT
ejif-10239	367	1	a	a	DET
ejif-10239	367	2	critical	critical	ADJ
ejif-10239	367	3	review	review	NOUN
ejif-10239	367	4	of	of	ADP
ejif-10239	367	5	mobile	mobile	ADJ
ejif-10239	367	6	payment	payment	NOUN
ejif-10239	367	7	research	research	NOUN
ejif-10239	367	8	.	.	PUNCT
ejif-10239	368	1	electronic	electronic	ADJ
ejif-10239	368	2	commerce	commerce	NOUN
ejif-10239	368	3	research	research	NOUN
ejif-10239	368	4	and	and	CCONJ
ejif-10239	368	5	applications	application	NOUN
ejif-10239	368	6	,	,	PUNCT
ejif-10239	368	7	14(5	14(5	NUM
ejif-10239	368	8	)	)	PUNCT
ejif-10239	368	9	,	,	PUNCT
ejif-10239	368	10	265	265	NUM
ejif-10239	368	11	-	-	SYM
ejif-10239	368	12	284	284	NUM
ejif-10239	368	13	.	.	PUNCT
ejif-10239	368	14	de	de	PROPN
ejif-10239	368	15	la	la	X
ejif-10239	368	16	mano	mano	PROPN
ejif-10239	368	17	,	,	PUNCT
ejif-10239	368	18	m.	m.	NOUN
ejif-10239	368	19	,	,	PUNCT
ejif-10239	368	20	&	&	CCONJ
ejif-10239	368	21	padilla	padilla	PROPN
ejif-10239	368	22	,	,	PUNCT
ejif-10239	368	23	j.	j.	PROPN
ejif-10239	368	24	(	(	PUNCT
ejif-10239	368	25	2018	2018	NUM
ejif-10239	368	26	)	)	PUNCT
ejif-10239	368	27	.	.	PUNCT
ejif-10239	369	1	big	big	ADJ
ejif-10239	369	2	tech	tech	NOUN
ejif-10239	369	3	banking	banking	NOUN
ejif-10239	369	4	.	.	PUNCT
ejif-10239	370	1	journal	journal	PROPN
ejif-10239	370	2	of	of	ADP
ejif-10239	370	3	competition	competition	NOUN
ejif-10239	370	4	law	law	NOUN
ejif-10239	370	5	&	&	CCONJ
ejif-10239	370	6	economics	economic	NOUN
ejif-10239	370	7	,	,	PUNCT
ejif-10239	370	8	14(4	14(4	NUM
ejif-10239	370	9	)	)	PUNCT
ejif-10239	370	10	,	,	PUNCT
ejif-10239	370	11	494	494	NUM
ejif-10239	370	12	-	-	SYM
ejif-10239	370	13	526	526	NUM
ejif-10239	370	14	.	.	PUNCT
ejif-10239	371	1	dwyer	dwyer	PROPN
ejif-10239	371	2	,	,	PUNCT
ejif-10239	371	3	g.	g.	PROPN
ejif-10239	371	4	p.	p.	PROPN
ejif-10239	371	5	(	(	PUNCT
ejif-10239	371	6	2015	2015	NUM
ejif-10239	371	7	)	)	PUNCT
ejif-10239	371	8	.	.	PUNCT
ejif-10239	372	1	the	the	DET
ejif-10239	372	2	johansen	johansen	PROPN
ejif-10239	372	3	tests	test	VERB
ejif-10239	372	4	for	for	ADP
ejif-10239	372	5	cointegration	cointegration	NOUN
ejif-10239	372	6	.	.	PUNCT
ejif-10239	373	1	white	white	ADJ
ejif-10239	373	2	paper	paper	PROPN
ejif-10239	373	3	,	,	PUNCT
ejif-10239	373	4	516	516	NUM
ejif-10239	373	5	.	.	PUNCT
ejif-10239	374	1	evans	evans	PROPN
ejif-10239	374	2	,	,	PUNCT
ejif-10239	374	3	c.	c.	PROPN
ejif-10239	374	4	,	,	PUNCT
ejif-10239	374	5	(	(	PUNCT
ejif-10239	374	6	2015	2015	NUM
ejif-10239	374	7	)	)	PUNCT
ejif-10239	374	8	.	.	PUNCT
ejif-10239	375	1	bitcoin	bitcoin	PROPN
ejif-10239	375	2	in	in	ADP
ejif-10239	375	3	islamic	islamic	ADJ
ejif-10239	375	4	banking	banking	NOUN
ejif-10239	375	5	and	and	CCONJ
ejif-10239	375	6	finance	finance	NOUN
ejif-10239	375	7	.	.	PUNCT
ejif-10239	376	1	journal	journal	PROPN
ejif-10239	376	2	of	of	ADP
ejif-10239	376	3	islamic	islamic	PROPN
ejif-10239	376	4	banking	banking	NOUN
ejif-10239	376	5	and	and	CCONJ
ejif-10239	376	6	finance	finance	NOUN
ejif-10239	376	7	.	.	PUNCT
ejif-10239	377	1	vol	vol	NOUN
ejif-10239	377	2	.	.	PROPN
ejif-10239	378	1	3	3	NUM
ejif-10239	378	2	,	,	PUNCT
ejif-10239	378	3	no	no	INTJ
ejif-10239	378	4	.	.	NOUN
ejif-10239	378	5	1	1	NUM
ejif-10239	378	6	,	,	PUNCT
ejif-10239	378	7	pp	pp	ADJ
ejif-10239	378	8	.	.	PUNCT
ejif-10239	379	1	1	1	NUM
ejif-10239	379	2	-	-	SYM
ejif-10239	379	3	11	11	NUM
ejif-10239	379	4	.	.	PUNCT
ejif-10239	379	5	firmansyah	firmansyah	PROPN
ejif-10239	379	6	,	,	PUNCT
ejif-10239	379	7	e.	e.	PROPN
ejif-10239	379	8	a.	a.	PROPN
ejif-10239	379	9	,	,	PUNCT
ejif-10239	379	10	&	&	CCONJ
ejif-10239	379	11	anwar	anwar	PROPN
ejif-10239	379	12	,	,	PUNCT
ejif-10239	379	13	m.	m.	NOUN
ejif-10239	379	14	(	(	PUNCT
ejif-10239	379	15	2019	2019	NUM
ejif-10239	379	16	,	,	PUNCT
ejif-10239	379	17	january	january	PROPN
ejif-10239	379	18	)	)	PUNCT
ejif-10239	379	19	.	.	PUNCT
ejif-10239	380	1	islamic	islamic	ADJ
ejif-10239	380	2	financial	financial	ADJ
ejif-10239	380	3	technology	technology	NOUN
ejif-10239	380	4	(	(	PUNCT
ejif-10239	380	5	fintech	fintech	NOUN
ejif-10239	380	6	):	):	PUNCT
ejif-10239	380	7	its	its	PRON
ejif-10239	380	8	challenges	challenge	NOUN
ejif-10239	380	9	and	and	CCONJ
ejif-10239	380	10	prospect	prospect	NOUN
ejif-10239	380	11	.	.	PUNCT
ejif-10239	381	1	in	in	ADP
ejif-10239	381	2	achieving	achieve	VERB
ejif-10239	381	3	and	and	CCONJ
ejif-10239	381	4	sustaining	sustain	VERB
ejif-10239	381	5	sdgs	sdgs	ADJ
ejif-10239	381	6	2018	2018	NUM
ejif-10239	381	7	conference	conference	NOUN
ejif-10239	381	8	:	:	PUNCT
ejif-10239	381	9	harnessing	harness	VERB
ejif-10239	381	10	the	the	DET
ejif-10239	381	11	power	power	NOUN
ejif-10239	381	12	of	of	ADP
ejif-10239	381	13	frontier	frontier	NOUN
ejif-10239	381	14	technology	technology	NOUN
ejif-10239	381	15	to	to	PART
ejif-10239	381	16	achieve	achieve	VERB
ejif-10239	381	17	the	the	DET
ejif-10239	381	18	sustainable	sustainable	ADJ
ejif-10239	381	19	development	development	NOUN
ejif-10239	381	20	goals	goal	NOUN
ejif-10239	381	21	(	(	PUNCT
ejif-10239	381	22	assdg	assdg	NOUN
ejif-10239	381	23	2018	2018	NUM
ejif-10239	381	24	)	)	PUNCT
ejif-10239	381	25	(	(	PUNCT
ejif-10239	381	26	pp	pp	ADJ
ejif-10239	381	27	.	.	PUNCT
ejif-10239	382	1	52	52	NUM
ejif-10239	382	2	-	-	SYM
ejif-10239	382	3	58	58	NUM
ejif-10239	382	4	)	)	PUNCT
ejif-10239	382	5	.	.	PUNCT
ejif-10239	383	1	atlantis	atlantis	PROPN
ejif-10239	383	2	press	press	PROPN
ejif-10239	383	3	.	.	PUNCT
ejif-10239	384	1	firmansyah	firmansyah	PROPN
ejif-10239	384	2	,	,	PUNCT
ejif-10239	384	3	h.	h.	PROPN
ejif-10239	384	4	b.	b.	PROPN
ejif-10239	384	5	,	,	PUNCT
ejif-10239	384	6	&	&	CCONJ
ejif-10239	384	7	ramdani	ramdani	PROPN
ejif-10239	384	8	,	,	PUNCT
ejif-10239	384	9	a.	a.	PROPN
ejif-10239	384	10	l.	l.	PROPN
ejif-10239	384	11	(	(	PUNCT
ejif-10239	384	12	2018	2018	NUM
ejif-10239	384	13	,	,	PUNCT
ejif-10239	384	14	may	may	AUX
ejif-10239	384	15	)	)	PUNCT
ejif-10239	384	16	.	.	PUNCT
ejif-10239	385	1	the	the	DET
ejif-10239	385	2	role	role	NOUN
ejif-10239	385	3	of	of	ADP
ejif-10239	385	4	islamic	islamic	ADJ
ejif-10239	385	5	financial	financial	ADJ
ejif-10239	385	6	technology	technology	NOUN
ejif-10239	385	7	(	(	PUNCT
ejif-10239	385	8	fintech	fintech	NOUN
ejif-10239	385	9	)	)	PUNCT
ejif-10239	385	10	start	start	NOUN
ejif-10239	385	11	-	-	PUNCT
ejif-10239	385	12	up	up	NOUN
ejif-10239	385	13	in	in	ADP
ejif-10239	385	14	improving	improve	VERB
ejif-10239	385	15	financial	financial	ADJ
ejif-10239	385	16	inclusion	inclusion	NOUN
ejif-10239	385	17	in	in	ADP
ejif-10239	385	18	indonesia	indonesia	PROPN
ejif-10239	385	19	case	case	NOUN
ejif-10239	385	20	:	:	PUNCT
ejif-10239	385	21	angsur	angsur	ADJ
ejif-10239	385	22	.	.	PUNCT
ejif-10239	386	1	in	in	ADP
ejif-10239	386	2	3rd	3rd	ADJ
ejif-10239	386	3	international	international	ADJ
ejif-10239	386	4	conference	conference	NOUN
ejif-10239	386	5	of	of	ADP
ejif-10239	386	6	integrated	integrated	ADJ
ejif-10239	386	7	intellectual	intellectual	ADJ
ejif-10239	386	8	community	community	NOUN
ejif-10239	386	9	(	(	PUNCT
ejif-10239	386	10	iconic	iconic	NOUN
ejif-10239	386	11	)	)	PUNCT
ejif-10239	386	12	.	.	PUNCT
ejif-10239	387	1	fletcher	fletcher	PROPN
ejif-10239	387	2	,	,	PUNCT
ejif-10239	387	3	g.	g.	PROPN
ejif-10239	387	4	g.	g.	PROPN
ejif-10239	387	5	s.	s.	PROPN
ejif-10239	387	6	,	,	PUNCT
ejif-10239	387	7	&	&	CCONJ
ejif-10239	387	8	le	le	PROPN
ejif-10239	387	9	,	,	PUNCT
ejif-10239	387	10	m.	m.	NOUN
ejif-10239	387	11	m.	m.	NOUN
ejif-10239	387	12	(	(	PUNCT
ejif-10239	387	13	2021	2021	NUM
ejif-10239	387	14	)	)	PUNCT
ejif-10239	387	15	.	.	PUNCT
ejif-10239	388	1	the	the	DET
ejif-10239	388	2	future	future	NOUN
ejif-10239	388	3	of	of	ADP
ejif-10239	388	4	ai	ai	PRON
ejif-10239	388	5	accountability	accountability	NOUN
ejif-10239	388	6	in	in	ADP
ejif-10239	388	7	the	the	DET
ejif-10239	388	8	financial	financial	ADJ
ejif-10239	388	9	markets	market	NOUN
ejif-10239	388	10	.	.	PUNCT
ejif-10239	389	1	vand	vand	NOUN
ejif-10239	389	2	.	.	PUNCT
ejif-10239	390	1	j.	j.	PROPN
ejif-10239	390	2	ent	ent	PROPN
ejif-10239	390	3	.	.	PROPN
ejif-10239	390	4	&	&	CCONJ
ejif-10239	390	5	tech	tech	PROPN
ejif-10239	390	6	.	.	PUNCT
ejif-10239	391	1	l.	l.	PROPN
ejif-10239	391	2	,	,	PUNCT
ejif-10239	391	3	24	24	NUM
ejif-10239	391	4	,	,	PUNCT
ejif-10239	391	5	289	289	NUM
ejif-10239	391	6	.	.	PUNCT
ejif-10239	392	1	grover	grover	NOUN
ejif-10239	392	2	,	,	PUNCT
ejif-10239	392	3	m.	m.	NOUN
ejif-10239	392	4	,	,	PUNCT
ejif-10239	392	5	&	&	CCONJ
ejif-10239	392	6	roy	roy	PROPN
ejif-10239	392	7	,	,	PUNCT
ejif-10239	392	8	s.	s.	PROPN
ejif-10239	392	9	empowering	empower	VERB
ejif-10239	392	10	financial	financial	ADJ
ejif-10239	392	11	inclusion	inclusion	NOUN
ejif-10239	392	12	:	:	PUNCT
ejif-10239	392	13	leveraging	leverage	VERB
ejif-10239	392	14	fintech	fintech	NOUN
ejif-10239	392	15	and	and	CCONJ
ejif-10239	392	16	ai	ai	VERB
ejif-10239	392	17	innovations	innovation	NOUN
ejif-10239	392	18	for	for	ADP
ejif-10239	392	19	underserved	underserved	ADJ
ejif-10239	392	20	communities	community	NOUN
ejif-10239	392	21	.	.	PUNCT
ejif-10239	393	1	dtc	dtc	PROPN
ejif-10239	393	2	journal	journal	PROPN
ejif-10239	393	3	of	of	ADP
ejif-10239	393	4	computational	computational	ADJ
ejif-10239	393	5	intelligence	intelligence	NOUN
ejif-10239	393	6	,	,	PUNCT
ejif-10239	393	7	vol-3	vol-3	NOUN
ejif-10239	393	8	,	,	PUNCT
ejif-10239	393	9	issue-1	issue-1	PROPN
ejif-10239	393	10	.	.	PUNCT
ejif-10239	394	1	hasan	hasan	PROPN
ejif-10239	394	2	,	,	PUNCT
ejif-10239	394	3	r.	r.	PROPN
ejif-10239	394	4	,	,	PUNCT
ejif-10239	394	5	hassan	hassan	PROPN
ejif-10239	394	6	,	,	PUNCT
ejif-10239	394	7	m.	m.	PROPN
ejif-10239	394	8	k.	k.	PROPN
ejif-10239	394	9	,	,	PUNCT
ejif-10239	394	10	&	&	CCONJ
ejif-10239	394	11	aliyu	aliyu	PROPN
ejif-10239	394	12	,	,	PUNCT
ejif-10239	394	13	s.	s.	PROPN
ejif-10239	394	14	(	(	PUNCT
ejif-10239	394	15	2020	2020	NUM
ejif-10239	394	16	)	)	PUNCT
ejif-10239	394	17	.	.	PUNCT
ejif-10239	395	1	fintech	fintech	NOUN
ejif-10239	395	2	and	and	CCONJ
ejif-10239	395	3	islamic	islamic	ADJ
ejif-10239	395	4	finance	finance	NOUN
ejif-10239	395	5	:	:	PUNCT
ejif-10239	395	6	literature	literature	NOUN
ejif-10239	395	7	review	review	PROPN
ejif-10239	395	8	and	and	CCONJ
ejif-10239	395	9	research	research	NOUN
ejif-10239	395	10	agenda	agenda	NOUN
ejif-10239	395	11	.	.	PUNCT
ejif-10239	396	1	international	international	ADJ
ejif-10239	396	2	journal	journal	PROPN
ejif-10239	396	3	of	of	ADP
ejif-10239	396	4	islamic	islamic	ADJ
ejif-10239	396	5	economics	economic	NOUN
ejif-10239	396	6	and	and	CCONJ
ejif-10239	396	7	finance	finance	NOUN
ejif-10239	396	8	(	(	PUNCT
ejif-10239	396	9	ijief	ijief	NOUN
ejif-10239	396	10	)	)	PUNCT
ejif-10239	396	11	,	,	PUNCT
ejif-10239	396	12	3(1	3(1	NUM
ejif-10239	396	13	)	)	PUNCT
ejif-10239	396	14	,	,	PUNCT
ejif-10239	396	15	75	75	NUM
ejif-10239	396	16	-	-	SYM
ejif-10239	396	17	94	94	NUM
ejif-10239	396	18	.	.	PUNCT
ejif-10239	397	1	hassan	hassan	PROPN
ejif-10239	397	2	,	,	PUNCT
ejif-10239	397	3	m.	m.	PROPN
ejif-10239	397	4	k.	k.	PROPN
ejif-10239	397	5	,	,	PUNCT
ejif-10239	397	6	rabbani	rabbani	PROPN
ejif-10239	397	7	,	,	PUNCT
ejif-10239	397	8	m.	m.	PROPN
ejif-10239	397	9	r.	r.	PROPN
ejif-10239	397	10	,	,	PUNCT
ejif-10239	397	11	&	&	CCONJ
ejif-10239	397	12	ali	ali	PROPN
ejif-10239	397	13	,	,	PUNCT
ejif-10239	397	14	m.	m.	NOUN
ejif-10239	397	15	a.	a.	NOUN
ejif-10239	397	16	m.	m.	NOUN
ejif-10239	397	17	(	(	PUNCT
ejif-10239	397	18	2020	2020	NUM
ejif-10239	397	19	)	)	PUNCT
ejif-10239	397	20	.	.	PUNCT
ejif-10239	398	1	challenges	challenge	NOUN
ejif-10239	398	2	for	for	ADP
ejif-10239	398	3	the	the	DET
ejif-10239	398	4	islamic	islamic	ADJ
ejif-10239	398	5	finance	finance	NOUN
ejif-10239	398	6	and	and	CCONJ
ejif-10239	398	7	banking	banking	NOUN
ejif-10239	398	8	in	in	ADP
ejif-10239	398	9	post	post	PROPN
ejif-10239	398	10	covid	covid	PROPN
ejif-10239	398	11	era	era	NOUN
ejif-10239	398	12	and	and	CCONJ
ejif-10239	398	13	the	the	DET
ejif-10239	398	14	role	role	NOUN
ejif-10239	398	15	of	of	ADP
ejif-10239	398	16	fintech	fintech	NOUN
ejif-10239	398	17	.	.	PUNCT
ejif-10239	399	1	journal	journal	NOUN
ejif-10239	399	2	of	of	ADP
ejif-10239	399	3	economic	economic	ADJ
ejif-10239	399	4	cooperation	cooperation	NOUN
ejif-10239	399	5	&	&	CCONJ
ejif-10239	399	6	development	development	NOUN
ejif-10239	399	7	,	,	PUNCT
ejif-10239	399	8	41(3	41(3	NUM
ejif-10239	399	9	)	)	PUNCT
ejif-10239	399	10	,	,	PUNCT
ejif-10239	399	11	93	93	NUM
ejif-10239	399	12	-	-	SYM
ejif-10239	399	13	116	116	NUM
ejif-10239	399	14	.	.	PUNCT
ejif-10239	400	1	he	he	PRON
ejif-10239	400	2	,	,	PUNCT
ejif-10239	400	3	m.	m.	PROPN
ejif-10239	400	4	d.	d.	PROPN
ejif-10239	400	5	,	,	PUNCT
ejif-10239	400	6	leckow	leckow	PROPN
ejif-10239	400	7	,	,	PUNCT
ejif-10239	400	8	m.	m.	PROPN
ejif-10239	400	9	r.	r.	PROPN
ejif-10239	400	10	b.	b.	PROPN
ejif-10239	400	11	,	,	PUNCT
ejif-10239	400	12	haksar	haksar	PROPN
ejif-10239	400	13	,	,	PUNCT
ejif-10239	400	14	m.	m.	NOUN
ejif-10239	400	15	v.	v.	PROPN
ejif-10239	400	16	,	,	PUNCT
ejif-10239	400	17	griffoli	griffoli	PROPN
ejif-10239	400	18	,	,	PUNCT
ejif-10239	400	19	m.	m.	NOUN
ejif-10239	400	20	t.	t.	PROPN
ejif-10239	400	21	m.	m.	PROPN
ejif-10239	400	22	,	,	PUNCT
ejif-10239	400	23	jenkinson	jenkinson	PROPN
ejif-10239	400	24	,	,	PUNCT
ejif-10239	400	25	n.	n.	PROPN
ejif-10239	400	26	,	,	PUNCT
ejif-10239	400	27	kashima	kashima	PROPN
ejif-10239	400	28	,	,	PUNCT
ejif-10239	400	29	m.	m.	NOUN
ejif-10239	400	30	m.	m.	NOUN
ejif-10239	400	31	,	,	PUNCT
ejif-10239	400	32	khiaonarong	khiaonarong	PROPN
ejif-10239	400	33	,	,	PUNCT
ejif-10239	400	34	t.	t.	PROPN
ejif-10239	400	35	,	,	PUNCT
ejif-10239	400	36	rochon	rochon	PROPN
ejif-10239	400	37	,	,	PUNCT
ejif-10239	400	38	m.	m.	NOUN
ejif-10239	400	39	c.	c.	PROPN
ejif-10239	400	40	,	,	PUNCT
ejif-10239	400	41	&	&	CCONJ
ejif-10239	400	42	tourpe	tourpe	PROPN
ejif-10239	400	43	,	,	PUNCT
ejif-10239	400	44	h.	h.	PROPN
ejif-10239	400	45	(	(	PUNCT
ejif-10239	400	46	2017	2017	NUM
ejif-10239	400	47	)	)	PUNCT
ejif-10239	400	48	.	.	PUNCT
ejif-10239	401	1	fintech	fintech	NOUN
ejif-10239	401	2	and	and	CCONJ
ejif-10239	401	3	financial	financial	ADJ
ejif-10239	401	4	services	service	NOUN
ejif-10239	401	5	:	:	PUNCT
ejif-10239	401	6	initial	initial	ADJ
ejif-10239	401	7	considerations	consideration	NOUN
ejif-10239	401	8	.	.	PUNCT
ejif-10239	402	1	international	international	ADJ
ejif-10239	402	2	monetary	monetary	ADJ
ejif-10239	402	3	fund	fund	PROPN
ejif-10239	402	4	.	.	PUNCT
ejif-10239	403	1	henriksen	henriksen	PROPN
ejif-10239	403	2	,	,	PUNCT
ejif-10239	403	3	a.	a.	PROPN
ejif-10239	403	4	,	,	PUNCT
ejif-10239	403	5	enni	enni	NOUN
ejif-10239	403	6	,	,	PUNCT
ejif-10239	403	7	s.	s.	PROPN
ejif-10239	403	8	,	,	PUNCT
ejif-10239	403	9	&	&	CCONJ
ejif-10239	403	10	bechmann	bechmann	PROPN
ejif-10239	403	11	,	,	PUNCT
ejif-10239	403	12	a.	a.	NOUN
ejif-10239	403	13	(	(	PUNCT
ejif-10239	403	14	2021	2021	NUM
ejif-10239	403	15	,	,	PUNCT
ejif-10239	403	16	july	july	PROPN
ejif-10239	403	17	)	)	PUNCT
ejif-10239	403	18	.	.	PUNCT
ejif-10239	404	1	situated	situated	ADJ
ejif-10239	404	2	accountability	accountability	NOUN
ejif-10239	404	3	:	:	PUNCT
ejif-10239	404	4	ethical	ethical	ADJ
ejif-10239	404	5	principles	principle	NOUN
ejif-10239	404	6	,	,	PUNCT
ejif-10239	404	7	certification	certification	NOUN
ejif-10239	404	8	standards	standard	NOUN
ejif-10239	404	9	,	,	PUNCT
ejif-10239	404	10	and	and	CCONJ
ejif-10239	404	11	explanation	explanation	NOUN
ejif-10239	404	12	methods	method	NOUN
ejif-10239	404	13	in	in	ADP
ejif-10239	404	14	applied	apply	VERB
ejif-10239	404	15	ai	ai	NOUN
ejif-10239	404	16	.	.	PUNCT
ejif-10239	405	1	in	in	ADP
ejif-10239	405	2	proceedings	proceeding	NOUN
ejif-10239	405	3	of	of	ADP
ejif-10239	405	4	the	the	DET
ejif-10239	405	5	2021	2021	NUM
ejif-10239	405	6	aaai	aaai	PROPN
ejif-10239	405	7	/	/	SYM
ejif-10239	405	8	acm	acm	PROPN
ejif-10239	405	9	conference	conference	NOUN
ejif-10239	405	10	on	on	ADP
ejif-10239	405	11	ai	ai	PROPN
ejif-10239	405	12	,	,	PUNCT
ejif-10239	405	13	ethics	ethic	NOUN
ejif-10239	405	14	,	,	PUNCT
ejif-10239	405	15	and	and	CCONJ
ejif-10239	405	16	society	society	NOUN
ejif-10239	405	17	(	(	PUNCT
ejif-10239	405	18	pp	pp	ADJ
ejif-10239	405	19	.	.	PUNCT
ejif-10239	405	20	574585	574585	NUM
ejif-10239	405	21	)	)	PUNCT
ejif-10239	405	22	.	.	PUNCT
ejif-10239	406	1	huong	huong	PROPN
ejif-10239	406	2	,	,	PUNCT
ejif-10239	406	3	a.	a.	NOUN
ejif-10239	406	4	,	,	PUNCT
ejif-10239	406	5	puah	puah	NOUN
ejif-10239	406	6	,	,	PUNCT
ejif-10239	406	7	c.-h	c.-h	PROPN
ejif-10239	406	8	.	.	PROPN
ejif-10239	406	9	,	,	PUNCT
ejif-10239	406	10	&	&	CCONJ
ejif-10239	406	11	chong	chong	PROPN
ejif-10239	406	12	,	,	PUNCT
ejif-10239	406	13	m.-t	m.-t	PROPN
ejif-10239	406	14	.	.	PUNCT
ejif-10239	407	1	(	(	PUNCT
ejif-10239	407	2	2021	2021	NUM
ejif-10239	407	3	)	)	PUNCT
ejif-10239	407	4	.	.	PUNCT
ejif-10239	408	1	embrace	embrace	PROPN
ejif-10239	408	2	fintech	fintech	NOUN
ejif-10239	408	3	in	in	ADP
ejif-10239	408	4	asean	asean	PROPN
ejif-10239	408	5	:	:	PUNCT
ejif-10239	408	6	a	a	DET
ejif-10239	408	7	perception	perception	NOUN
ejif-10239	408	8	through	through	ADP
ejif-10239	408	9	fintech	fintech	NOUN
ejif-10239	408	10	adoption	adoption	NOUN
ejif-10239	408	11	index	index	NOUN
ejif-10239	408	12	.	.	PUNCT
ejif-10239	409	1	research	research	NOUN
ejif-10239	409	2	in	in	ADP
ejif-10239	409	3	world	world	NOUN
ejif-10239	409	4	economy	economy	NOUN
ejif-10239	409	5	,	,	PUNCT
ejif-10239	409	6	12(1	12(1	NUM
ejif-10239	409	7	)	)	PUNCT
ejif-10239	409	8	,	,	PUNCT
ejif-10239	409	9	1	1	X
ejif-10239	409	10	.	.	X
ejif-10239	409	11	jaadi	jaadi	PROPN
ejif-10239	409	12	,	,	PUNCT
ejif-10239	409	13	z.	z.	PROPN
ejif-10239	409	14	(	(	PUNCT
ejif-10239	409	15	2021	2021	NUM
ejif-10239	409	16	)	)	PUNCT
ejif-10239	409	17	.	.	PUNCT
ejif-10239	410	1	a	a	DET
ejif-10239	410	2	step	step	NOUN
ejif-10239	410	3	-	-	PUNCT
ejif-10239	410	4	by	by	ADP
ejif-10239	410	5	-	-	PUNCT
ejif-10239	410	6	step	step	NOUN
ejif-10239	410	7	explanation	explanation	NOUN
ejif-10239	410	8	of	of	ADP
ejif-10239	410	9	principal	principal	ADJ
ejif-10239	410	10	component	component	NOUN
ejif-10239	410	11	analysis	analysis	NOUN
ejif-10239	410	12	(	(	PUNCT
ejif-10239	410	13	pca	pca	NOUN
ejif-10239	410	14	)	)	PUNCT
ejif-10239	410	15	.	.	PUNCT
ejif-10239	411	1	retrieved	retrieve	VERB
ejif-10239	411	2	june	june	PROPN
ejif-10239	411	3	,	,	PUNCT
ejif-10239	411	4	7(2021	7(2021	NUM
ejif-10239	411	5	)	)	PUNCT
ejif-10239	411	6	,	,	PUNCT
ejif-10239	411	7	470	470	X
ejif-10239	411	8	.	.	PUNCT
ejif-10239	411	9	jolliffe	jolliffe	PROPN
ejif-10239	411	10	,	,	PUNCT
ejif-10239	411	11	i.	i.	PROPN
ejif-10239	411	12	t.	t.	PROPN
ejif-10239	411	13	(	(	PUNCT
ejif-10239	411	14	2002	2002	NUM
ejif-10239	411	15	)	)	PUNCT
ejif-10239	411	16	.	.	PUNCT
ejif-10239	412	1	principal	principal	ADJ
ejif-10239	412	2	component	component	NOUN
ejif-10239	412	3	analysis	analysis	NOUN
ejif-10239	412	4	for	for	ADP
ejif-10239	412	5	special	special	ADJ
ejif-10239	412	6	types	type	NOUN
ejif-10239	412	7	of	of	ADP
ejif-10239	412	8	data	datum	NOUN
ejif-10239	412	9	.	.	PUNCT
ejif-10239	413	1	springer	springer	PROPN
ejif-10239	413	2	.	.	PUNCT
ejif-10239	414	1	karim	karim	PROPN
ejif-10239	414	2	,	,	PUNCT
ejif-10239	414	3	s.	s.	PROPN
ejif-10239	414	4	,	,	PUNCT
ejif-10239	414	5	naeem	naeem	PROPN
ejif-10239	414	6	,	,	PUNCT
ejif-10239	414	7	m.	m.	NOUN
ejif-10239	414	8	a.	a.	PROPN
ejif-10239	414	9	,	,	PUNCT
ejif-10239	414	10	&	&	CCONJ
ejif-10239	414	11	abaji	abaji	PROPN
ejif-10239	414	12	,	,	PUNCT
ejif-10239	414	13	e.	e.	PROPN
ejif-10239	414	14	e.	e.	PROPN
ejif-10239	414	15	(	(	PUNCT
ejif-10239	414	16	2022	2022	NUM
ejif-10239	414	17	)	)	PUNCT
ejif-10239	414	18	.	.	PUNCT
ejif-10239	414	19	is	be	AUX
ejif-10239	414	20	islamic	islamic	ADJ
ejif-10239	414	21	fintech	fintech	NOUN
ejif-10239	414	22	coherent	coherent	NOUN
ejif-10239	414	23	with	with	ADP
ejif-10239	414	24	islamic	islamic	ADJ
ejif-10239	414	25	banking	banking	NOUN
ejif-10239	414	26	?	?	PUNCT
ejif-10239	415	1	a	a	DET
ejif-10239	415	2	stakeholder	stakeholder	NOUN
ejif-10239	415	3	's	's	PART
ejif-10239	415	4	perspective	perspective	NOUN
ejif-10239	415	5	during	during	ADP
ejif-10239	415	6	covid-19	covid-19	PROPN
ejif-10239	415	7	.	.	PROPN
ejif-10239	415	8	heliyon	heliyon	PROPN
ejif-10239	415	9	,	,	PUNCT
ejif-10239	415	10	8(9	8(9	NUM
ejif-10239	415	11	)	)	PUNCT
ejif-10239	415	12	.	.	PUNCT
ejif-10239	416	1	khambata	khambata	PROPN
ejif-10239	416	2	,	,	PUNCT
ejif-10239	416	3	d.	d.	PROPN
ejif-10239	416	4	(	(	PUNCT
ejif-10239	416	5	2000	2000	NUM
ejif-10239	416	6	)	)	PUNCT
ejif-10239	416	7	.	.	PUNCT
ejif-10239	417	1	impact	impact	NOUN
ejif-10239	417	2	of	of	ADP
ejif-10239	417	3	foreign	foreign	ADJ
ejif-10239	417	4	investment	investment	NOUN
ejif-10239	417	5	on	on	ADP
ejif-10239	417	6	the	the	DET
ejif-10239	417	7	volatility	volatility	NOUN
ejif-10239	417	8	and	and	CCONJ
ejif-10239	417	9	growth	growth	NOUN
ejif-10239	417	10	of	of	ADP
ejif-10239	417	11	emerging	emerge	VERB
ejif-10239	417	12	stock	stock	NOUN
ejif-10239	417	13	markets	market	NOUN
ejif-10239	417	14	.	.	PUNCT
ejif-10239	418	1	multinational	multinational	ADJ
ejif-10239	418	2	business	business	PROPN
ejif-10239	418	3	review	review	PROPN
ejif-10239	418	4	,	,	PUNCT
ejif-10239	418	5	8(1	8(1	NOUN
ejif-10239	418	6	)	)	PUNCT
ejif-10239	418	7	,	,	PUNCT
ejif-10239	418	8	50	50	NUM
ejif-10239	418	9	-	-	SYM
ejif-10239	418	10	50	50	NUM
ejif-10239	418	11	.	.	PUNCT
ejif-10239	419	1	khan	khan	PROPN
ejif-10239	419	2	,	,	PUNCT
ejif-10239	419	3	s.	s.	PROPN
ejif-10239	419	4	,	,	PUNCT
ejif-10239	419	5	hassan	hassan	PROPN
ejif-10239	419	6	,	,	PUNCT
ejif-10239	419	7	m.	m.	PROPN
ejif-10239	419	8	k.	k.	PROPN
ejif-10239	419	9	,	,	PUNCT
ejif-10239	419	10	rabbani	rabbani	PROPN
ejif-10239	419	11	,	,	PUNCT
ejif-10239	419	12	m.	m.	NOUN
ejif-10239	419	13	r.	r.	PROPN
ejif-10239	419	14	,	,	PUNCT
ejif-10239	419	15	&	&	CCONJ
ejif-10239	419	16	atif	atif	PROPN
ejif-10239	419	17	,	,	PUNCT
ejif-10239	419	18	m.	m.	NOUN
ejif-10239	419	19	(	(	PUNCT
ejif-10239	419	20	2021	2021	NUM
ejif-10239	419	21	)	)	PUNCT
ejif-10239	419	22	.	.	PUNCT
ejif-10239	420	1	an	an	DET
ejif-10239	420	2	artificial	artificial	ADJ
ejif-10239	420	3	intelligence	intelligence	NOUN
ejif-10239	420	4	-	-	PUNCT
ejif-10239	420	5	based	base	VERB
ejif-10239	420	6	islamic	islamic	ADJ
ejif-10239	420	7	fintech	fintech	NOUN
ejif-10239	420	8	model	model	NOUN
ejif-10239	420	9	on	on	ADP
ejif-10239	420	10	qardhal	qardhal	PROPN
ejif-10239	420	11	-	-	PUNCT
ejif-10239	420	12	hasan	hasan	PROPN
ejif-10239	420	13	for	for	ADP
ejif-10239	420	14	covid	covid	PROPN
ejif-10239	420	15	19	19	NUM
ejif-10239	420	16	affected	affected	ADJ
ejif-10239	420	17	smes	sme	NOUN
ejif-10239	420	18	.	.	PUNCT
ejif-10239	421	1	islamic	islamic	PROPN
ejif-10239	421	2	perspective	perspective	NOUN
ejif-10239	421	3	for	for	ADP
ejif-10239	421	4	sustainable	sustainable	ADJ
ejif-10239	421	5	financial	financial	ADJ
ejif-10239	421	6	system	system	NOUN
ejif-10239	421	7	,	,	PUNCT
ejif-10239	421	8	234	234	NUM
ejif-10239	421	9	-	-	SYM
ejif-10239	421	10	249	249	NUM
ejif-10239	421	11	.	.	PUNCT
ejif-10239	422	1	klioutchnikov	klioutchnikov	PROPN
ejif-10239	422	2	,	,	PUNCT
ejif-10239	422	3	i.	i.	PROPN
ejif-10239	422	4	,	,	PUNCT
ejif-10239	422	5	sigova	sigova	PROPN
ejif-10239	422	6	,	,	PUNCT
ejif-10239	422	7	m.	m.	NOUN
ejif-10239	422	8	,	,	PUNCT
ejif-10239	422	9	&	&	CCONJ
ejif-10239	422	10	beizerov	beizerov	PROPN
ejif-10239	422	11	,	,	PUNCT
ejif-10239	422	12	n.	n.	NOUN
ejif-10239	422	13	(	(	PUNCT
ejif-10239	422	14	2017	2017	NUM
ejif-10239	422	15	)	)	PUNCT
ejif-10239	422	16	.	.	PUNCT
ejif-10239	423	1	chaos	chaos	NOUN
ejif-10239	423	2	theory	theory	NOUN
ejif-10239	423	3	in	in	ADP
ejif-10239	423	4	finance	finance	NOUN
ejif-10239	423	5	.	.	PUNCT
ejif-10239	424	1	procedia	procedia	PROPN
ejif-10239	424	2	computer	computer	NOUN
ejif-10239	424	3	science	science	NOUN
ejif-10239	424	4	,	,	PUNCT
ejif-10239	424	5	119	119	NUM
ejif-10239	424	6	,	,	PUNCT
ejif-10239	424	7	368	368	NUM
ejif-10239	424	8	-	-	SYM
ejif-10239	424	9	375	375	NUM
ejif-10239	424	10	.	.	PUNCT
ejif-10239	425	1	https://doi.org/https://doi.org/10.1016/j.procs.2017.11.196	https://doi.org/https://doi.org/10.1016/j.procs.2017.11.196	PROPN
ejif-10239	425	2	european	european	PROPN
ejif-10239	425	3	journal	journal	PROPN
ejif-10239	425	4	of	of	ADP
ejif-10239	425	5	islamic	islamic	PROPN
ejif-10239	425	6	finance	finance	PROPN
ejif-10239	425	7	issn	issn	PROPN
ejif-10239	425	8	:	:	PUNCT
ejif-10239	425	9	2421	2421	NUM
ejif-10239	425	10	-	-	SYM
ejif-10239	425	11	2172	2172	NUM
ejif-10239	425	12	doi	doi	NOUN
ejif-10239	425	13	:	:	PUNCT
ejif-10239	425	14	10.13135/2421	10.13135/2421	NUM
ejif-10239	425	15	-	-	SYM
ejif-10239	425	16	2172/10239	2172/10239	NUM
ejif-10239	425	17	published	publish	VERB
ejif-10239	425	18	by	by	ADP
ejif-10239	425	19	university	university	PROPN
ejif-10239	425	20	of	of	ADP
ejif-10239	425	21	turin	turin	PROPN
ejif-10239	426	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	426	2	ejif	ejif	PROPN
ejif-10239	426	3	content	content	NOUN
ejif-10239	426	4	is	be	AUX
ejif-10239	426	5	licensed	license	VERB
ejif-10239	426	6	under	under	ADP
ejif-10239	426	7	a	a	DET
ejif-10239	426	8	creative	creative	ADJ
ejif-10239	426	9	commons	common	NOUN
ejif-10239	426	10	attribution	attribution	NOUN
ejif-10239	426	11	4.0	4.0	NUM
ejif-10239	426	12	international	international	ADJ
ejif-10239	426	13	license	license	NOUN
ejif-10239	426	14	53	53	NUM
ejif-10239	426	15	kuderer	kuderer	NOUN
ejif-10239	426	16	,	,	PUNCT
ejif-10239	426	17	n.	n.	NOUN
ejif-10239	426	18	m.	m.	NOUN
ejif-10239	426	19	,	,	PUNCT
ejif-10239	426	20	choueiri	choueiri	NOUN
ejif-10239	426	21	,	,	PUNCT
ejif-10239	426	22	t.	t.	PROPN
ejif-10239	426	23	k.	k.	PROPN
ejif-10239	426	24	,	,	PUNCT
ejif-10239	426	25	shah	shah	PROPN
ejif-10239	426	26	,	,	PUNCT
ejif-10239	426	27	d.	d.	PROPN
ejif-10239	426	28	p.	p.	PROPN
ejif-10239	426	29	,	,	PUNCT
ejif-10239	426	30	shyr	shyr	PROPN
ejif-10239	426	31	,	,	PUNCT
ejif-10239	426	32	y.	y.	PROPN
ejif-10239	426	33	,	,	PUNCT
ejif-10239	426	34	rubinstein	rubinstein	PROPN
ejif-10239	426	35	,	,	PUNCT
ejif-10239	426	36	s.	s.	PROPN
ejif-10239	426	37	m.	m.	PROPN
ejif-10239	426	38	,	,	PUNCT
ejif-10239	426	39	rivera	rivera	PROPN
ejif-10239	426	40	,	,	PUNCT
ejif-10239	426	41	d.	d.	PROPN
ejif-10239	426	42	r.	r.	PROPN
ejif-10239	426	43	,	,	PUNCT
ejif-10239	426	44	shete	shete	PROPN
ejif-10239	426	45	,	,	PUNCT
ejif-10239	426	46	s.	s.	PROPN
ejif-10239	426	47	,	,	PUNCT
ejif-10239	426	48	hsu	hsu	PROPN
ejif-10239	426	49	,	,	PUNCT
ejif-10239	426	50	c.-y	c.-y	NOUN
ejif-10239	426	51	.	.	PUNCT
ejif-10239	426	52	,	,	PUNCT
ejif-10239	426	53	desai	desai	PROPN
ejif-10239	426	54	,	,	PUNCT
ejif-10239	426	55	a.	a.	PROPN
ejif-10239	426	56	,	,	PUNCT
ejif-10239	426	57	&	&	CCONJ
ejif-10239	427	1	de	de	ADP
ejif-10239	427	2	lima	lima	PROPN
ejif-10239	427	3	lopes	lopes	PROPN
ejif-10239	427	4	,	,	PUNCT
ejif-10239	427	5	g.	g.	PROPN
ejif-10239	427	6	(	(	PUNCT
ejif-10239	427	7	2020	2020	NUM
ejif-10239	427	8	)	)	PUNCT
ejif-10239	427	9	.	.	PUNCT
ejif-10239	428	1	clinical	clinical	ADJ
ejif-10239	428	2	impact	impact	NOUN
ejif-10239	428	3	of	of	ADP
ejif-10239	428	4	covid-19	covid-19	PROPN
ejif-10239	428	5	on	on	ADP
ejif-10239	428	6	patients	patient	NOUN
ejif-10239	428	7	with	with	ADP
ejif-10239	428	8	cancer	cancer	NOUN
ejif-10239	428	9	(	(	PUNCT
ejif-10239	428	10	ccc19	ccc19	NOUN
ejif-10239	428	11	):	):	PUNCT
ejif-10239	428	12	a	a	DET
ejif-10239	428	13	cohort	cohort	NOUN
ejif-10239	428	14	study	study	NOUN
ejif-10239	428	15	.	.	PUNCT
ejif-10239	429	1	the	the	DET
ejif-10239	429	2	lancet	lancet	NOUN
ejif-10239	429	3	,	,	PUNCT
ejif-10239	429	4	395(10241	395(10241	NUM
ejif-10239	429	5	)	)	PUNCT
ejif-10239	429	6	,	,	PUNCT
ejif-10239	429	7	1907	1907	NUM
ejif-10239	429	8	-	-	SYM
ejif-10239	429	9	1918	1918	NUM
ejif-10239	429	10	.	.	PUNCT
ejif-10239	430	1	lahmiri	lahmiri	PROPN
ejif-10239	430	2	,	,	PUNCT
ejif-10239	430	3	s.	s.	PROPN
ejif-10239	430	4	,	,	PUNCT
ejif-10239	430	5	bekiros	bekiro	NOUN
ejif-10239	430	6	,	,	PUNCT
ejif-10239	430	7	s.	s.	PROPN
ejif-10239	430	8	,	,	PUNCT
ejif-10239	430	9	&	&	CCONJ
ejif-10239	430	10	salvi	salvi	PROPN
ejif-10239	430	11	,	,	PUNCT
ejif-10239	430	12	a.	a.	NOUN
ejif-10239	430	13	(	(	PUNCT
ejif-10239	430	14	2018	2018	NUM
ejif-10239	430	15	)	)	PUNCT
ejif-10239	430	16	.	.	PUNCT
ejif-10239	431	1	long	long	ADJ
ejif-10239	431	2	-	-	PUNCT
ejif-10239	431	3	range	range	NOUN
ejif-10239	431	4	memory	memory	NOUN
ejif-10239	431	5	,	,	PUNCT
ejif-10239	431	6	distributional	distributional	ADJ
ejif-10239	431	7	variation	variation	NOUN
ejif-10239	431	8	and	and	CCONJ
ejif-10239	431	9	randomness	randomness	NOUN
ejif-10239	431	10	of	of	ADP
ejif-10239	431	11	bitcoin	bitcoin	ADJ
ejif-10239	431	12	volatility	volatility	NOUN
ejif-10239	431	13	.	.	PUNCT
ejif-10239	432	1	chaos	chaos	NOUN
ejif-10239	432	2	,	,	PUNCT
ejif-10239	432	3	solitons	soliton	NOUN
ejif-10239	432	4	&	&	CCONJ
ejif-10239	432	5	fractals	fractal	NOUN
ejif-10239	432	6	,	,	PUNCT
ejif-10239	432	7	107	107	NUM
ejif-10239	432	8	,	,	PUNCT
ejif-10239	432	9	43	43	NUM
ejif-10239	432	10	-	-	SYM
ejif-10239	432	11	48	48	NUM
ejif-10239	432	12	.	.	PUNCT
ejif-10239	433	1	legowo	legowo	PROPN
ejif-10239	433	2	,	,	PUNCT
ejif-10239	433	3	m.	m.	PROPN
ejif-10239	433	4	b.	b.	PROPN
ejif-10239	433	5	,	,	PUNCT
ejif-10239	433	6	subanidja	subanidja	PROPN
ejif-10239	433	7	,	,	PUNCT
ejif-10239	433	8	s.	s.	PROPN
ejif-10239	433	9	,	,	PUNCT
ejif-10239	433	10	&	&	CCONJ
ejif-10239	433	11	sorongan	sorongan	PROPN
ejif-10239	433	12	,	,	PUNCT
ejif-10239	433	13	f.	f.	PROPN
ejif-10239	433	14	a.	a.	PROPN
ejif-10239	433	15	(	(	PUNCT
ejif-10239	433	16	2021	2021	NUM
ejif-10239	433	17	)	)	PUNCT
ejif-10239	433	18	.	.	PUNCT
ejif-10239	434	1	fintech	fintech	NOUN
ejif-10239	434	2	and	and	CCONJ
ejif-10239	434	3	bank	bank	NOUN
ejif-10239	434	4	:	:	PUNCT
ejif-10239	434	5	past	past	ADJ
ejif-10239	434	6	,	,	PUNCT
ejif-10239	434	7	present	present	ADJ
ejif-10239	434	8	,	,	PUNCT
ejif-10239	434	9	and	and	CCONJ
ejif-10239	434	10	future	future	NOUN
ejif-10239	434	11	.	.	PUNCT
ejif-10239	435	1	jurnal	jurnal	ADJ
ejif-10239	435	2	teknik	teknik	X
ejif-10239	435	3	komputer	komputer	PROPN
ejif-10239	435	4	amik	amik	PROPN
ejif-10239	435	5	bsi	bsi	PROPN
ejif-10239	435	6	,	,	PUNCT
ejif-10239	435	7	7(1	7(1	NUM
ejif-10239	435	8	)	)	PUNCT
ejif-10239	435	9	,	,	PUNCT
ejif-10239	435	10	94	94	NUM
ejif-10239	435	11	-	-	SYM
ejif-10239	435	12	99	99	NUM
ejif-10239	435	13	.	.	PUNCT
ejif-10239	436	1	leong	leong	PROPN
ejif-10239	436	2	,	,	PUNCT
ejif-10239	436	3	k.	k.	PROPN
ejif-10239	436	4	,	,	PUNCT
ejif-10239	436	5	&	&	CCONJ
ejif-10239	436	6	sung	sung	PROPN
ejif-10239	436	7	,	,	PUNCT
ejif-10239	436	8	a.	a.	NOUN
ejif-10239	436	9	(	(	PUNCT
ejif-10239	436	10	2018	2018	NUM
ejif-10239	436	11	)	)	PUNCT
ejif-10239	436	12	.	.	PUNCT
ejif-10239	437	1	fintech	fintech	NOUN
ejif-10239	437	2	(	(	PUNCT
ejif-10239	437	3	financial	financial	ADJ
ejif-10239	437	4	technology	technology	NOUN
ejif-10239	437	5	):	):	PUNCT
ejif-10239	437	6	what	what	PRON
ejif-10239	437	7	is	be	AUX
ejif-10239	437	8	it	it	PRON
ejif-10239	437	9	and	and	CCONJ
ejif-10239	437	10	how	how	SCONJ
ejif-10239	437	11	to	to	PART
ejif-10239	437	12	use	use	VERB
ejif-10239	437	13	technologies	technology	NOUN
ejif-10239	437	14	to	to	PART
ejif-10239	437	15	create	create	VERB
ejif-10239	437	16	business	business	NOUN
ejif-10239	437	17	value	value	NOUN
ejif-10239	437	18	in	in	ADP
ejif-10239	437	19	fintech	fintech	NOUN
ejif-10239	437	20	way	way	NOUN
ejif-10239	437	21	?	?	PUNCT
ejif-10239	438	1	international	international	ADJ
ejif-10239	438	2	journal	journal	NOUN
ejif-10239	438	3	of	of	ADP
ejif-10239	438	4	innovation	innovation	NOUN
ejif-10239	438	5	,	,	PUNCT
ejif-10239	438	6	management	management	NOUN
ejif-10239	438	7	and	and	CCONJ
ejif-10239	438	8	technology	technology	NOUN
ejif-10239	438	9	,	,	PUNCT
ejif-10239	438	10	9(2	9(2	NUM
ejif-10239	438	11	)	)	PUNCT
ejif-10239	438	12	,	,	PUNCT
ejif-10239	438	13	74	74	NUM
ejif-10239	438	14	-	-	SYM
ejif-10239	438	15	78	78	NUM
ejif-10239	438	16	.	.	PUNCT
ejif-10239	439	1	lorenz	lorenz	PROPN
ejif-10239	439	2	,	,	PUNCT
ejif-10239	439	3	e.	e.	PROPN
ejif-10239	439	4	(	(	PUNCT
ejif-10239	439	5	2000	2000	NUM
ejif-10239	439	6	)	)	PUNCT
ejif-10239	439	7	.	.	PUNCT
ejif-10239	440	1	the	the	DET
ejif-10239	440	2	butterfly	butterfly	NOUN
ejif-10239	440	3	effect	effect	NOUN
ejif-10239	440	4	.	.	PUNCT
ejif-10239	441	1	world	world	NOUN
ejif-10239	441	2	scientific	scientific	ADJ
ejif-10239	441	3	series	series	NOUN
ejif-10239	441	4	on	on	ADP
ejif-10239	441	5	nonlinear	nonlinear	PROPN
ejif-10239	441	6	science	science	PROPN
ejif-10239	441	7	series	series	PROPN
ejif-10239	441	8	a	a	X
ejif-10239	441	9	,	,	PUNCT
ejif-10239	441	10	39	39	NUM
ejif-10239	441	11	,	,	PUNCT
ejif-10239	441	12	91	91	NUM
ejif-10239	441	13	-	-	SYM
ejif-10239	441	14	94	94	NUM
ejif-10239	441	15	.	.	PUNCT
ejif-10239	442	1	mandelbrot	mandelbrot	PROPN
ejif-10239	442	2	,	,	PUNCT
ejif-10239	442	3	b.	b.	PROPN
ejif-10239	442	4	,	,	PUNCT
ejif-10239	442	5	&	&	CCONJ
ejif-10239	442	6	richard	richard	PROPN
ejif-10239	442	7	,	,	PUNCT
ejif-10239	442	8	l.	l.	PROPN
ejif-10239	442	9	(	(	PUNCT
ejif-10239	442	10	2004	2004	NUM
ejif-10239	442	11	)	)	PUNCT
ejif-10239	442	12	.	.	PUNCT
ejif-10239	443	1	the	the	DET
ejif-10239	443	2	(	(	PUNCT
ejif-10239	443	3	mis	mis	NOUN
ejif-10239	443	4	)	)	PUNCT
ejif-10239	443	5	behavior	behavior	NOUN
ejif-10239	443	6	of	of	ADP
ejif-10239	443	7	markets	market	NOUN
ejif-10239	443	8	.	.	PUNCT
ejif-10239	444	1	a	a	DET
ejif-10239	444	2	basic	basic	ADJ
ejif-10239	444	3	book	book	NOUN
ejif-10239	444	4	.	.	PUNCT
ejif-10239	445	1	mat	mat	PROPN
ejif-10239	445	2	rahim	rahim	PROPN
ejif-10239	445	3	,	,	PUNCT
ejif-10239	445	4	s.	s.	PROPN
ejif-10239	445	5	r.	r.	PROPN
ejif-10239	445	6	,	,	PUNCT
ejif-10239	445	7	mohamad	mohamad	PROPN
ejif-10239	445	8	,	,	PUNCT
ejif-10239	445	9	z.	z.	PROPN
ejif-10239	445	10	z.	z.	PROPN
ejif-10239	445	11	,	,	PUNCT
ejif-10239	445	12	abu	abu	PROPN
ejif-10239	445	13	bakar	bakar	PROPN
ejif-10239	445	14	,	,	PUNCT
ejif-10239	445	15	j.	j.	PROPN
ejif-10239	445	16	,	,	PUNCT
ejif-10239	445	17	mohsin	mohsin	PROPN
ejif-10239	445	18	,	,	PUNCT
ejif-10239	445	19	f.	f.	PROPN
ejif-10239	445	20	h.	h.	PROPN
ejif-10239	445	21	,	,	PUNCT
ejif-10239	445	22	&	&	CCONJ
ejif-10239	445	23	md	md	PROPN
ejif-10239	445	24	isa	isa	PROPN
ejif-10239	445	25	,	,	PUNCT
ejif-10239	445	26	n.	n.	NOUN
ejif-10239	445	27	(	(	PUNCT
ejif-10239	445	28	2018	2018	NUM
ejif-10239	445	29	)	)	PUNCT
ejif-10239	445	30	.	.	PUNCT
ejif-10239	446	1	artificial	artificial	ADJ
ejif-10239	446	2	intelligence	intelligence	NOUN
ejif-10239	446	3	,	,	PUNCT
ejif-10239	446	4	smart	smart	ADJ
ejif-10239	446	5	contract	contract	NOUN
ejif-10239	446	6	and	and	CCONJ
ejif-10239	446	7	islamic	islamic	ADJ
ejif-10239	446	8	finance	finance	NOUN
ejif-10239	446	9	.	.	PUNCT
ejif-10239	447	1	asian	asian	ADJ
ejif-10239	447	2	social	social	ADJ
ejif-10239	447	3	science	science	NOUN
ejif-10239	447	4	,	,	PUNCT
ejif-10239	447	5	14(2	14(2	NUM
ejif-10239	447	6	)	)	PUNCT
ejif-10239	447	7	,	,	PUNCT
ejif-10239	447	8	145	145	NUM
ejif-10239	447	9	.	.	PUNCT
ejif-10239	447	10	mehrabi	mehrabi	NOUN
ejif-10239	447	11	,	,	PUNCT
ejif-10239	447	12	n.	n.	NOUN
ejif-10239	447	13	,	,	PUNCT
ejif-10239	447	14	morstatter	morstatter	PROPN
ejif-10239	447	15	,	,	PUNCT
ejif-10239	447	16	f.	f.	PROPN
ejif-10239	447	17	,	,	PUNCT
ejif-10239	447	18	saxena	saxena	PROPN
ejif-10239	447	19	,	,	PUNCT
ejif-10239	447	20	n.	n.	PROPN
ejif-10239	447	21	,	,	PUNCT
ejif-10239	447	22	lerman	lerman	PROPN
ejif-10239	447	23	,	,	PUNCT
ejif-10239	447	24	k.	k.	PROPN
ejif-10239	447	25	,	,	PUNCT
ejif-10239	447	26	&	&	CCONJ
ejif-10239	447	27	galstyan	galstyan	PROPN
ejif-10239	447	28	,	,	PUNCT
ejif-10239	447	29	a.	a.	NOUN
ejif-10239	447	30	(	(	PUNCT
ejif-10239	447	31	2021	2021	NUM
ejif-10239	447	32	)	)	PUNCT
ejif-10239	447	33	.	.	PUNCT
ejif-10239	448	1	a	a	DET
ejif-10239	448	2	survey	survey	NOUN
ejif-10239	448	3	on	on	ADP
ejif-10239	448	4	bias	bias	NOUN
ejif-10239	448	5	and	and	CCONJ
ejif-10239	448	6	fairness	fairness	NOUN
ejif-10239	448	7	in	in	ADP
ejif-10239	448	8	machine	machine	NOUN
ejif-10239	448	9	learning	learning	NOUN
ejif-10239	448	10	.	.	PUNCT
ejif-10239	449	1	acm	acm	PROPN
ejif-10239	449	2	computing	computing	NOUN
ejif-10239	449	3	surveys	survey	NOUN
ejif-10239	449	4	(	(	PUNCT
ejif-10239	449	5	csur	csur	NOUN
ejif-10239	449	6	)	)	PUNCT
ejif-10239	449	7	,	,	PUNCT
ejif-10239	449	8	54(6	54(6	NOUN
ejif-10239	449	9	)	)	PUNCT
ejif-10239	449	10	,	,	PUNCT
ejif-10239	449	11	1	1	NUM
ejif-10239	449	12	-	-	SYM
ejif-10239	449	13	35	35	NUM
ejif-10239	449	14	.	.	PUNCT
ejif-10239	449	15	mohtar	mohtar	NOUN
ejif-10239	449	16	,	,	PUNCT
ejif-10239	449	17	j.	j.	PROPN
ejif-10239	449	18	2020	2020	NUM
ejif-10239	449	19	)	)	PUNCT
ejif-10239	449	20	.	.	PUNCT
ejif-10239	450	1	use	use	VERB
ejif-10239	450	2	blockchain	blockchain	PROPN
ejif-10239	450	3	technology	technology	PROPN
ejif-10239	450	4	to	to	PART
ejif-10239	450	5	certify	certify	VERB
ejif-10239	450	6	halal	halal	NOUN
ejif-10239	450	7	products	product	NOUN
ejif-10239	450	8	:	:	PUNCT
ejif-10239	450	9	new	new	ADJ
ejif-10239	450	10	straits	strait	NOUN
ejif-10239	450	11	times	time	NOUN
ejif-10239	450	12	.	.	PUNCT
ejif-10239	451	1	nst	nst	PROPN
ejif-10239	451	2	online	online	PROPN
ejif-10239	451	3	.	.	PUNCT
ejif-10239	452	1	url	url	PROPN
ejif-10239	452	2	:	:	PUNCT
ejif-10239	452	3	https://www.nst.com.my/opinion/columnists/2020/12/651806/use-blockchain-technology-certify-halal-products	https://www.nst.com.my/opinion/columnists/2020/12/651806/use-blockchain-technology-certify-halal-product	NOUN
ejif-10239	452	4	.	.	PUNCT
ejif-10239	453	1	accessed	access	VERB
ejif-10239	453	2	:	:	PUNCT
ejif-10239	453	3	july	july	PROPN
ejif-10239	453	4	17	17	NUM
ejif-10239	453	5	,	,	PUNCT
ejif-10239	453	6	2024	2024	NUM
ejif-10239	453	7	.	.	PUNCT
ejif-10239	454	1	monika	monika	PROPN
ejif-10239	454	2	,	,	PUNCT
ejif-10239	454	3	a.	a.	PROPN
ejif-10239	454	4	,	,	PUNCT
ejif-10239	454	5	azam	azam	PROPN
ejif-10239	454	6	,	,	PUNCT
ejif-10239	454	7	a.	a.	NOUN
ejif-10239	454	8	n.	n.	PROPN
ejif-10239	454	9	,	,	PUNCT
ejif-10239	454	10	&	&	CCONJ
ejif-10239	454	11	teguh	teguh	PROPN
ejif-10239	454	12	,	,	PUNCT
ejif-10239	454	13	s.	s.	PROPN
ejif-10239	454	14	i.	i.	PROPN
ejif-10239	454	15	(	(	PUNCT
ejif-10239	454	16	2021	2021	NUM
ejif-10239	454	17	)	)	PUNCT
ejif-10239	454	18	.	.	PUNCT
ejif-10239	455	1	the	the	DET
ejif-10239	455	2	impact	impact	NOUN
ejif-10239	455	3	of	of	ADP
ejif-10239	455	4	fintech	fintech	NOUN
ejif-10239	455	5	development	development	NOUN
ejif-10239	455	6	to	to	ADP
ejif-10239	455	7	profitability	profitability	NOUN
ejif-10239	455	8	of	of	ADP
ejif-10239	455	9	islamic	islamic	PROPN
ejif-10239	455	10	bank	bank	PROPN
ejif-10239	455	11	.	.	PUNCT
ejif-10239	456	1	international	international	ADJ
ejif-10239	456	2	journal	journal	PROPN
ejif-10239	456	3	of	of	ADP
ejif-10239	456	4	research	research	NOUN
ejif-10239	456	5	and	and	CCONJ
ejif-10239	456	6	review	review	NOUN
ejif-10239	456	7	,	,	PUNCT
ejif-10239	456	8	8(1	8(1	NOUN
ejif-10239	456	9	)	)	PUNCT
ejif-10239	456	10	,	,	PUNCT
ejif-10239	456	11	250	250	NUM
ejif-10239	456	12	-	-	SYM
ejif-10239	456	13	258	258	NUM
ejif-10239	456	14	.	.	PUNCT
ejif-10239	457	1	murinde	murinde	NOUN
ejif-10239	457	2	,	,	PUNCT
ejif-10239	457	3	v.	v.	PROPN
ejif-10239	457	4	(	(	PUNCT
ejif-10239	457	5	1996	1996	NUM
ejif-10239	457	6	)	)	PUNCT
ejif-10239	457	7	.	.	PUNCT
ejif-10239	458	1	financial	financial	ADJ
ejif-10239	458	2	markets	market	NOUN
ejif-10239	458	3	and	and	CCONJ
ejif-10239	458	4	endogenous	endogenous	ADJ
ejif-10239	458	5	growth	growth	NOUN
ejif-10239	458	6	.	.	PUNCT
ejif-10239	459	1	financial	financial	ADJ
ejif-10239	459	2	development	development	NOUN
ejif-10239	459	3	and	and	CCONJ
ejif-10239	459	4	economic	economic	ADJ
ejif-10239	459	5	growth	growth	NOUN
ejif-10239	459	6	,	,	PUNCT
ejif-10239	459	7	new	new	PROPN
ejif-10239	459	8	york	york	PROPN
ejif-10239	459	9	:	:	PUNCT
ejif-10239	459	10	routledge	routledge	PROPN
ejif-10239	459	11	,	,	PUNCT
ejif-10239	459	12	94	94	NUM
ejif-10239	459	13	-	-	SYM
ejif-10239	459	14	114	114	NUM
ejif-10239	459	15	.	.	PUNCT
ejif-10239	460	1	murinde	murinde	NOUN
ejif-10239	460	2	,	,	PUNCT
ejif-10239	460	3	v.	v.	PROPN
ejif-10239	460	4	,	,	PUNCT
ejif-10239	460	5	&	&	CCONJ
ejif-10239	460	6	ryan	ryan	PROPN
ejif-10239	460	7	,	,	PUNCT
ejif-10239	460	8	c.	c.	PROPN
ejif-10239	460	9	(	(	PUNCT
ejif-10239	460	10	2003	2003	NUM
ejif-10239	460	11	)	)	PUNCT
ejif-10239	460	12	.	.	PUNCT
ejif-10239	461	1	the	the	DET
ejif-10239	461	2	implications	implication	NOUN
ejif-10239	461	3	of	of	ADP
ejif-10239	461	4	wto	wto	PROPN
ejif-10239	461	5	and	and	CCONJ
ejif-10239	461	6	gats	gat	NOUN
ejif-10239	461	7	for	for	ADP
ejif-10239	461	8	the	the	DET
ejif-10239	461	9	banking	banking	NOUN
ejif-10239	461	10	sector	sector	NOUN
ejif-10239	461	11	in	in	ADP
ejif-10239	461	12	africa	africa	PROPN
ejif-10239	461	13	.	.	PUNCT
ejif-10239	462	1	world	world	NOUN
ejif-10239	462	2	economy	economy	NOUN
ejif-10239	462	3	,	,	PUNCT
ejif-10239	462	4	26(2	26(2	NUM
ejif-10239	462	5	)	)	PUNCT
ejif-10239	462	6	,	,	PUNCT
ejif-10239	462	7	181	181	NUM
ejif-10239	462	8	-	-	SYM
ejif-10239	462	9	207	207	NUM
ejif-10239	462	10	.	.	PUNCT
ejif-10239	463	1	nawaz	nawaz	NOUN
ejif-10239	463	2	,	,	PUNCT
ejif-10239	463	3	t.	t.	PROPN
ejif-10239	463	4	(	(	PUNCT
ejif-10239	463	5	2017	2017	NUM
ejif-10239	463	6	)	)	PUNCT
ejif-10239	463	7	.	.	PUNCT
ejif-10239	464	1	conventional	conventional	ADJ
ejif-10239	464	2	vs.	vs.	X
ejif-10239	464	3	islamic	islamic	ADJ
ejif-10239	464	4	banks	bank	NOUN
ejif-10239	464	5	in	in	ADP
ejif-10239	464	6	dual	dual	ADJ
ejif-10239	464	7	-	-	PUNCT
ejif-10239	464	8	banking	banking	NOUN
ejif-10239	464	9	systems	system	NOUN
ejif-10239	464	10	:	:	PUNCT
ejif-10239	464	11	business	business	NOUN
ejif-10239	464	12	model	model	NOUN
ejif-10239	464	13	,	,	PUNCT
ejif-10239	464	14	outlay	outlay	NOUN
ejif-10239	464	15	stratagems	stratagem	NOUN
ejif-10239	464	16	and	and	CCONJ
ejif-10239	464	17	economic	economic	ADJ
ejif-10239	464	18	performance	performance	NOUN
ejif-10239	464	19	.	.	PUNCT
ejif-10239	465	1	international	international	ADJ
ejif-10239	465	2	journal	journal	PROPN
ejif-10239	465	3	of	of	ADP
ejif-10239	465	4	business	business	NOUN
ejif-10239	465	5	governance	governance	NOUN
ejif-10239	465	6	and	and	CCONJ
ejif-10239	465	7	ethics	ethic	NOUN
ejif-10239	465	8	,	,	PUNCT
ejif-10239	465	9	12(4	12(4	NUM
ejif-10239	465	10	)	)	PUNCT
ejif-10239	465	11	,	,	PUNCT
ejif-10239	465	12	330	330	NUM
ejif-10239	465	13	-	-	SYM
ejif-10239	465	14	348	348	NUM
ejif-10239	465	15	.	.	PUNCT
ejif-10239	466	1	oseni	oseni	NOUN
ejif-10239	466	2	,	,	PUNCT
ejif-10239	466	3	u.	u.	PROPN
ejif-10239	466	4	a.	a.	PROPN
ejif-10239	466	5	,	,	PUNCT
ejif-10239	466	6	&	&	CCONJ
ejif-10239	466	7	ali	ali	PROPN
ejif-10239	466	8	,	,	PUNCT
ejif-10239	466	9	s.	s.	PROPN
ejif-10239	466	10	n.	n.	PROPN
ejif-10239	466	11	(	(	PUNCT
ejif-10239	466	12	2019	2019	NUM
ejif-10239	466	13	)	)	PUNCT
ejif-10239	466	14	.	.	PUNCT
ejif-10239	467	1	fintech	fintech	NOUN
ejif-10239	467	2	in	in	ADP
ejif-10239	467	3	islamic	islamic	ADJ
ejif-10239	467	4	finance	finance	NOUN
ejif-10239	467	5	.	.	PUNCT
ejif-10239	468	1	in	in	ADP
ejif-10239	468	2	fintech	fintech	NOUN
ejif-10239	468	3	in	in	ADP
ejif-10239	468	4	islamic	islamic	ADJ
ejif-10239	468	5	finance	finance	NOUN
ejif-10239	468	6	(	(	PUNCT
ejif-10239	468	7	pp	pp	ADJ
ejif-10239	468	8	.	.	PUNCT
ejif-10239	469	1	3	3	NUM
ejif-10239	469	2	-	-	SYM
ejif-10239	469	3	14	14	NUM
ejif-10239	469	4	)	)	PUNCT
ejif-10239	469	5	.	.	PUNCT
ejif-10239	470	1	routledge	routledge	PROPN
ejif-10239	470	2	.	.	PUNCT
ejif-10239	471	1	pagano	pagano	PROPN
ejif-10239	471	2	,	,	PUNCT
ejif-10239	471	3	m.	m.	NOUN
ejif-10239	471	4	(	(	PUNCT
ejif-10239	471	5	1993	1993	NUM
ejif-10239	471	6	)	)	PUNCT
ejif-10239	471	7	.	.	PUNCT
ejif-10239	472	1	financial	financial	ADJ
ejif-10239	472	2	markets	market	NOUN
ejif-10239	472	3	and	and	CCONJ
ejif-10239	472	4	growth	growth	NOUN
ejif-10239	472	5	:	:	PUNCT
ejif-10239	472	6	an	an	DET
ejif-10239	472	7	overview	overview	NOUN
ejif-10239	472	8	.	.	PUNCT
ejif-10239	473	1	european	european	ADJ
ejif-10239	473	2	economic	economic	PROPN
ejif-10239	473	3	review	review	PROPN
ejif-10239	473	4	,	,	PUNCT
ejif-10239	473	5	37(2	37(2	PROPN
ejif-10239	473	6	-	-	SYM
ejif-10239	473	7	3	3	NUM
ejif-10239	473	8	)	)	PUNCT
ejif-10239	473	9	,	,	PUNCT
ejif-10239	473	10	613	613	NUM
ejif-10239	473	11	-	-	SYM
ejif-10239	473	12	622	622	NUM
ejif-10239	473	13	.	.	PUNCT
ejif-10239	474	1	paparoditis	paparoditis	PROPN
ejif-10239	474	2	,	,	PUNCT
ejif-10239	474	3	e.	e.	PROPN
ejif-10239	474	4	,	,	PUNCT
ejif-10239	474	5	&	&	CCONJ
ejif-10239	474	6	politis	politis	PROPN
ejif-10239	474	7	,	,	PUNCT
ejif-10239	474	8	d.	d.	PROPN
ejif-10239	474	9	n.	n.	PROPN
ejif-10239	474	10	(	(	PUNCT
ejif-10239	474	11	2018	2018	NUM
ejif-10239	474	12	)	)	PUNCT
ejif-10239	474	13	.	.	PUNCT
ejif-10239	475	1	the	the	DET
ejif-10239	475	2	asymptotic	asymptotic	ADJ
ejif-10239	475	3	size	size	NOUN
ejif-10239	475	4	and	and	CCONJ
ejif-10239	475	5	power	power	NOUN
ejif-10239	475	6	of	of	ADP
ejif-10239	475	7	the	the	DET
ejif-10239	475	8	augmented	augment	VERB
ejif-10239	475	9	dickey	dickey	PROPN
ejif-10239	475	10	–	–	PUNCT
ejif-10239	475	11	fuller	full	ADJ
ejif-10239	475	12	test	test	NOUN
ejif-10239	475	13	for	for	ADP
ejif-10239	475	14	a	a	DET
ejif-10239	475	15	unit	unit	NOUN
ejif-10239	475	16	root	root	NOUN
ejif-10239	475	17	.	.	PUNCT
ejif-10239	476	1	econometric	econometric	ADJ
ejif-10239	476	2	reviews	review	NOUN
ejif-10239	476	3	,	,	PUNCT
ejif-10239	476	4	37(9	37(9	NUM
ejif-10239	476	5	)	)	PUNCT
ejif-10239	476	6	,	,	PUNCT
ejif-10239	476	7	955	955	NUM
ejif-10239	476	8	-	-	SYM
ejif-10239	476	9	973	973	NUM
ejif-10239	476	10	.	.	PUNCT
ejif-10239	477	1	pessach	pessach	PROPN
ejif-10239	477	2	,	,	PUNCT
ejif-10239	477	3	d.	d.	PROPN
ejif-10239	477	4	,	,	PUNCT
ejif-10239	477	5	&	&	CCONJ
ejif-10239	477	6	shmueli	shmueli	PROPN
ejif-10239	477	7	,	,	PUNCT
ejif-10239	477	8	e.	e.	PROPN
ejif-10239	477	9	(	(	PUNCT
ejif-10239	477	10	2022	2022	NUM
ejif-10239	477	11	)	)	PUNCT
ejif-10239	477	12	.	.	PUNCT
ejif-10239	478	1	a	a	DET
ejif-10239	478	2	review	review	NOUN
ejif-10239	478	3	on	on	ADP
ejif-10239	478	4	fairness	fairness	NOUN
ejif-10239	478	5	in	in	ADP
ejif-10239	478	6	machine	machine	NOUN
ejif-10239	478	7	learning	learning	NOUN
ejif-10239	478	8	.	.	PUNCT
ejif-10239	479	1	acm	acm	PROPN
ejif-10239	479	2	computing	computing	NOUN
ejif-10239	479	3	surveys	survey	NOUN
ejif-10239	479	4	(	(	PUNCT
ejif-10239	479	5	csur	csur	NOUN
ejif-10239	479	6	)	)	PUNCT
ejif-10239	479	7	,	,	PUNCT
ejif-10239	479	8	55(3	55(3	X
ejif-10239	479	9	)	)	PUNCT
ejif-10239	479	10	,	,	PUNCT
ejif-10239	479	11	1	1	NUM
ejif-10239	479	12	-	-	SYM
ejif-10239	479	13	44	44	NUM
ejif-10239	479	14	.	.	PUNCT
ejif-10239	480	1	polas	pola	NOUN
ejif-10239	480	2	,	,	PUNCT
ejif-10239	480	3	m.	m.	PROPN
ejif-10239	480	4	r.	r.	PROPN
ejif-10239	480	5	h.	h.	PROPN
ejif-10239	480	6	,	,	PUNCT
ejif-10239	480	7	muhibbullah	muhibbullah	PROPN
ejif-10239	480	8	,	,	PUNCT
ejif-10239	480	9	m.	m.	NOUN
ejif-10239	480	10	,	,	PUNCT
ejif-10239	480	11	&	&	CCONJ
ejif-10239	480	12	bhattacharjee	bhattacharjee	PROPN
ejif-10239	480	13	,	,	PUNCT
ejif-10239	480	14	a.	a.	NOUN
ejif-10239	480	15	(	(	PUNCT
ejif-10239	480	16	2020	2020	NUM
ejif-10239	480	17	)	)	PUNCT
ejif-10239	480	18	.	.	PUNCT
ejif-10239	480	19	is	be	AUX
ejif-10239	480	20	bitcoin	bitcoin	ADJ
ejif-10239	480	21	halal	halal	NOUN
ejif-10239	480	22	or	or	CCONJ
ejif-10239	480	23	haram	haram	PROPN
ejif-10239	480	24	in	in	ADP
ejif-10239	480	25	the	the	DET
ejif-10239	480	26	islamic	islamic	PROPN
ejif-10239	480	27	banking	banking	NOUN
ejif-10239	480	28	and	and	CCONJ
ejif-10239	480	29	finance	finance	NOUN
ejif-10239	480	30	?	?	PUNCT
ejif-10239	481	1	an	an	DET
ejif-10239	481	2	overview	overview	NOUN
ejif-10239	481	3	.	.	PUNCT
ejif-10239	482	1	journal	journal	NOUN
ejif-10239	482	2	of	of	ADP
ejif-10239	482	3	economics	economic	NOUN
ejif-10239	482	4	,	,	PUNCT
ejif-10239	482	5	business	business	NOUN
ejif-10239	482	6	and	and	CCONJ
ejif-10239	482	7	market	market	NOUN
ejif-10239	482	8	research	research	NOUN
ejif-10239	482	9	,	,	PUNCT
ejif-10239	482	10	1(2	1(2	NUM
ejif-10239	482	11	)	)	PUNCT
ejif-10239	482	12	,	,	PUNCT
ejif-10239	482	13	96	96	NUM
ejif-10239	482	14	-	-	SYM
ejif-10239	482	15	104	104	NUM
ejif-10239	482	16	.	.	PUNCT
ejif-10239	483	1	rabbani	rabbani	PROPN
ejif-10239	483	2	,	,	PUNCT
ejif-10239	483	3	m.	m.	PROPN
ejif-10239	483	4	r.	r.	PROPN
ejif-10239	483	5	,	,	PUNCT
ejif-10239	483	6	khan	khan	PROPN
ejif-10239	483	7	,	,	PUNCT
ejif-10239	483	8	s.	s.	PROPN
ejif-10239	483	9	,	,	PUNCT
ejif-10239	483	10	&	&	CCONJ
ejif-10239	483	11	thalassinos	thalassinos	PROPN
ejif-10239	483	12	,	,	PUNCT
ejif-10239	483	13	e.	e.	PROPN
ejif-10239	483	14	i.	i.	PROPN
ejif-10239	483	15	(	(	PUNCT
ejif-10239	483	16	2020	2020	NUM
ejif-10239	483	17	)	)	PUNCT
ejif-10239	483	18	.	.	PUNCT
ejif-10239	484	1	fintech	fintech	NOUN
ejif-10239	484	2	,	,	PUNCT
ejif-10239	484	3	blockchain	blockchain	PROPN
ejif-10239	484	4	and	and	CCONJ
ejif-10239	484	5	islamic	islamic	PROPN
ejif-10239	484	6	finance	finance	PROPN
ejif-10239	484	7	:	:	PUNCT
ejif-10239	484	8	an	an	DET
ejif-10239	484	9	extensive	extensive	ADJ
ejif-10239	484	10	literature	literature	NOUN
ejif-10239	484	11	review	review	NOUN
ejif-10239	484	12	.	.	PUNCT
ejif-10239	485	1	rafiki	rafiki	PROPN
ejif-10239	485	2	,	,	PUNCT
ejif-10239	485	3	a.	a.	PROPN
ejif-10239	485	4	,	,	PUNCT
ejif-10239	485	5	&	&	CCONJ
ejif-10239	485	6	nasution	nasution	NOUN
ejif-10239	485	7	,	,	PUNCT
ejif-10239	485	8	a.	a.	NOUN
ejif-10239	485	9	(	(	PUNCT
ejif-10239	485	10	2021	2021	NUM
ejif-10239	485	11	)	)	PUNCT
ejif-10239	485	12	.	.	PUNCT
ejif-10239	486	1	islamic	islamic	ADJ
ejif-10239	486	2	financial	financial	ADJ
ejif-10239	486	3	technology	technology	NOUN
ejif-10239	486	4	(	(	PUNCT
ejif-10239	486	5	fintech	fintech	NOUN
ejif-10239	486	6	)	)	PUNCT
ejif-10239	486	7	applications	application	NOUN
ejif-10239	486	8	in	in	ADP
ejif-10239	486	9	indonesia	indonesia	PROPN
ejif-10239	486	10	.	.	PUNCT
ejif-10239	487	1	artificial	artificial	ADJ
ejif-10239	487	2	intelligence	intelligence	NOUN
ejif-10239	487	3	and	and	CCONJ
ejif-10239	487	4	islamic	islamic	ADJ
ejif-10239	487	5	finance	finance	NOUN
ejif-10239	487	6	:	:	PUNCT
ejif-10239	487	7	practical	practical	ADJ
ejif-10239	487	8	applications	application	NOUN
ejif-10239	487	9	for	for	ADP
ejif-10239	487	10	financial	financial	ADJ
ejif-10239	487	11	risk	risk	NOUN
ejif-10239	487	12	management	management	NOUN
ejif-10239	487	13	,	,	PUNCT
ejif-10239	487	14	91	91	NUM
ejif-10239	487	15	.	.	PUNCT
ejif-10239	488	1	rahim	rahim	PROPN
ejif-10239	488	2	,	,	PUNCT
ejif-10239	488	3	n.	n.	PROPN
ejif-10239	488	4	f.	f.	PROPN
ejif-10239	488	5	,	,	PUNCT
ejif-10239	488	6	bakri	bakri	PROPN
ejif-10239	488	7	,	,	PUNCT
ejif-10239	488	8	m.	m.	PROPN
ejif-10239	488	9	h.	h.	PROPN
ejif-10239	488	10	,	,	PUNCT
ejif-10239	488	11	fianto	fianto	PROPN
ejif-10239	488	12	,	,	PUNCT
ejif-10239	488	13	b.	b.	PROPN
ejif-10239	488	14	a.	a.	PROPN
ejif-10239	488	15	,	,	PUNCT
ejif-10239	488	16	zainal	zainal	PROPN
ejif-10239	488	17	,	,	PUNCT
ejif-10239	488	18	n.	n.	NOUN
ejif-10239	488	19	,	,	PUNCT
ejif-10239	488	20	&	&	CCONJ
ejif-10239	488	21	hussein	hussein	PROPN
ejif-10239	488	22	al	al	PROPN
ejif-10239	488	23	shami	shami	PROPN
ejif-10239	488	24	,	,	PUNCT
ejif-10239	488	25	s.	s.	PROPN
ejif-10239	488	26	a.	a.	PROPN
ejif-10239	488	27	(	(	PUNCT
ejif-10239	488	28	2023	2023	NUM
ejif-10239	488	29	)	)	PUNCT
ejif-10239	488	30	.	.	PUNCT
ejif-10239	489	1	measurement	measurement	NOUN
ejif-10239	489	2	and	and	CCONJ
ejif-10239	489	3	structural	structural	ADJ
ejif-10239	489	4	modelling	modelling	NOUN
ejif-10239	489	5	on	on	ADP
ejif-10239	489	6	factors	factor	NOUN
ejif-10239	489	7	of	of	ADP
ejif-10239	489	8	islamic	islamic	ADJ
ejif-10239	489	9	fintech	fintech	NOUN
ejif-10239	489	10	adoption	adoption	NOUN
ejif-10239	489	11	among	among	ADP
ejif-10239	489	12	millennials	millennial	NOUN
ejif-10239	489	13	in	in	ADP
ejif-10239	489	14	malaysia	malaysia	PROPN
ejif-10239	489	15	.	.	PUNCT
ejif-10239	490	1	journal	journal	PROPN
ejif-10239	490	2	of	of	ADP
ejif-10239	490	3	islamic	islamic	PROPN
ejif-10239	490	4	marketing	marketing	NOUN
ejif-10239	490	5	,	,	PUNCT
ejif-10239	490	6	14(6	14(6	NOUN
ejif-10239	490	7	)	)	PUNCT
ejif-10239	490	8	,	,	PUNCT
ejif-10239	490	9	1463	1463	NUM
ejif-10239	490	10	-	-	SYM
ejif-10239	490	11	1487	1487	NUM
ejif-10239	490	12	.	.	PUNCT
ejif-10239	491	1	salampasis	salampasis	PROPN
ejif-10239	491	2	,	,	PUNCT
ejif-10239	491	3	d.	d.	PROPN
ejif-10239	491	4	,	,	PUNCT
ejif-10239	491	5	&	&	CCONJ
ejif-10239	491	6	mention	mention	PROPN
ejif-10239	491	7	,	,	PUNCT
ejif-10239	491	8	a.	a.	NOUN
ejif-10239	491	9	l.	l.	PROPN
ejif-10239	491	10	(	(	PUNCT
ejif-10239	491	11	2018	2018	NUM
ejif-10239	491	12	)	)	PUNCT
ejif-10239	491	13	.	.	PUNCT
ejif-10239	492	1	fintech	fintech	NOUN
ejif-10239	492	2	:	:	PUNCT
ejif-10239	492	3	harnessing	harness	VERB
ejif-10239	492	4	innovation	innovation	NOUN
ejif-10239	492	5	for	for	ADP
ejif-10239	492	6	financial	financial	ADJ
ejif-10239	492	7	inclusion	inclusion	NOUN
ejif-10239	492	8	.	.	PUNCT
ejif-10239	493	1	in	in	ADP
ejif-10239	493	2	handbook	handbook	NOUN
ejif-10239	493	3	of	of	ADP
ejif-10239	493	4	blockchain	blockchain	PROPN
ejif-10239	493	5	,	,	PUNCT
ejif-10239	493	6	digital	digital	ADJ
ejif-10239	493	7	finance	finance	NOUN
ejif-10239	493	8	,	,	PUNCT
ejif-10239	493	9	and	and	CCONJ
ejif-10239	493	10	inclusion	inclusion	NOUN
ejif-10239	493	11	,	,	PUNCT
ejif-10239	493	12	volume	volume	NOUN
ejif-10239	493	13	2	2	NUM
ejif-10239	493	14	(	(	PUNCT
ejif-10239	493	15	pp	pp	ADJ
ejif-10239	493	16	.	.	PUNCT
ejif-10239	493	17	451	451	NUM
ejif-10239	493	18	-	-	SYM
ejif-10239	493	19	461	461	NUM
ejif-10239	493	20	)	)	PUNCT
ejif-10239	493	21	.	.	PUNCT
ejif-10239	494	1	academic	academic	ADJ
ejif-10239	494	2	press	press	NOUN
ejif-10239	494	3	.	.	PUNCT
ejif-10239	495	1	shukur	shukur	PROPN
ejif-10239	495	2	,	,	PUNCT
ejif-10239	495	3	g.	g.	PROPN
ejif-10239	495	4	,	,	PUNCT
ejif-10239	495	5	&	&	CCONJ
ejif-10239	495	6	mantalos	mantalos	PROPN
ejif-10239	495	7	,	,	PUNCT
ejif-10239	495	8	p.	p.	NOUN
ejif-10239	495	9	(	(	PUNCT
ejif-10239	495	10	2000	2000	NUM
ejif-10239	495	11	)	)	PUNCT
ejif-10239	495	12	.	.	PUNCT
ejif-10239	496	1	a	a	DET
ejif-10239	496	2	simple	simple	ADJ
ejif-10239	496	3	investigation	investigation	NOUN
ejif-10239	496	4	of	of	ADP
ejif-10239	496	5	the	the	DET
ejif-10239	496	6	granger	granger	NOUN
ejif-10239	496	7	-	-	PUNCT
ejif-10239	496	8	causality	causality	NOUN
ejif-10239	496	9	test	test	NOUN
ejif-10239	496	10	in	in	ADP
ejif-10239	496	11	integrated	integrate	VERB
ejif-10239	496	12	-	-	PUNCT
ejif-10239	496	13	cointegrated	cointegrate	VERB
ejif-10239	496	14	var	var	NOUN
ejif-10239	496	15	systems	system	NOUN
ejif-10239	496	16	.	.	PUNCT
ejif-10239	497	1	journal	journal	PROPN
ejif-10239	497	2	of	of	ADP
ejif-10239	497	3	applied	applied	ADJ
ejif-10239	497	4	statistics	statistic	NOUN
ejif-10239	497	5	,	,	PUNCT
ejif-10239	497	6	27(8	27(8	NUM
ejif-10239	497	7	)	)	PUNCT
ejif-10239	497	8	,	,	PUNCT
ejif-10239	497	9	1021	1021	NUM
ejif-10239	497	10	-	-	SYM
ejif-10239	497	11	1031	1031	NUM
ejif-10239	497	12	.	.	PUNCT
ejif-10239	498	1	sidaoui	sidaoui	PROPN
ejif-10239	498	2	,	,	PUNCT
ejif-10239	498	3	m.	m.	NOUN
ejif-10239	498	4	,	,	PUNCT
ejif-10239	498	5	ben	ben	PROPN
ejif-10239	498	6	bouheni	bouheni	PROPN
ejif-10239	498	7	,	,	PUNCT
ejif-10239	498	8	f.	f.	PROPN
ejif-10239	498	9	,	,	PUNCT
ejif-10239	498	10	arslankhuyag	arslankhuyag	PROPN
ejif-10239	498	11	,	,	PUNCT
ejif-10239	498	12	z.	z.	PROPN
ejif-10239	498	13	,	,	PUNCT
ejif-10239	498	14	&	&	CCONJ
ejif-10239	498	15	mian	mian	PROPN
ejif-10239	498	16	,	,	PUNCT
ejif-10239	498	17	s.	s.	PROPN
ejif-10239	498	18	(	(	PUNCT
ejif-10239	498	19	2022	2022	NUM
ejif-10239	498	20	)	)	PUNCT
ejif-10239	498	21	.	.	PUNCT
ejif-10239	499	1	fintech	fintech	NOUN
ejif-10239	499	2	and	and	CCONJ
ejif-10239	499	3	islamic	islamic	ADJ
ejif-10239	499	4	banking	banking	NOUN
ejif-10239	499	5	growth	growth	NOUN
ejif-10239	499	6	:	:	PUNCT
ejif-10239	499	7	new	new	ADJ
ejif-10239	499	8	evidence	evidence	NOUN
ejif-10239	499	9	.	.	PUNCT
ejif-10239	500	1	the	the	DET
ejif-10239	500	2	journal	journal	NOUN
ejif-10239	500	3	of	of	ADP
ejif-10239	500	4	risk	risk	NOUN
ejif-10239	500	5	finance	finance	NOUN
ejif-10239	500	6	,	,	PUNCT
ejif-10239	500	7	23(5	23(5	NUM
ejif-10239	500	8	)	)	PUNCT
ejif-10239	500	9	,	,	PUNCT
ejif-10239	500	10	535	535	NUM
ejif-10239	500	11	-	-	SYM
ejif-10239	500	12	557	557	NUM
ejif-10239	500	13	.	.	PUNCT
ejif-10239	501	1	siska	siska	PROPN
ejif-10239	501	2	,	,	PUNCT
ejif-10239	501	3	e.	e.	PROPN
ejif-10239	501	4	(	(	PUNCT
ejif-10239	501	5	2022	2022	NUM
ejif-10239	501	6	)	)	PUNCT
ejif-10239	501	7	.	.	PUNCT
ejif-10239	502	1	financial	financial	ADJ
ejif-10239	502	2	technology	technology	NOUN
ejif-10239	502	3	(	(	PUNCT
ejif-10239	502	4	fintech	fintech	NOUN
ejif-10239	502	5	)	)	PUNCT
ejif-10239	502	6	and	and	CCONJ
ejif-10239	502	7	its	its	PRON
ejif-10239	502	8	impact	impact	NOUN
ejif-10239	502	9	on	on	ADP
ejif-10239	502	10	financial	financial	ADJ
ejif-10239	502	11	performance	performance	NOUN
ejif-10239	502	12	of	of	ADP
ejif-10239	502	13	islamic	islamic	ADJ
ejif-10239	502	14	banking	banking	NOUN
ejif-10239	502	15	.	.	PUNCT
ejif-10239	503	1	arbitrase	arbitrase	PROPN
ejif-10239	503	2	:	:	PUNCT
ejif-10239	503	3	journal	journal	NOUN
ejif-10239	503	4	of	of	ADP
ejif-10239	503	5	economics	economic	NOUN
ejif-10239	503	6	and	and	CCONJ
ejif-10239	503	7	accounting	accounting	NOUN
ejif-10239	503	8	,	,	PUNCT
ejif-10239	503	9	2(3	2(3	NUM
ejif-10239	503	10	)	)	PUNCT
ejif-10239	503	11	,	,	PUNCT
ejif-10239	503	12	102=	102=	NUM
ejif-10239	503	13	108	108	NUM
ejif-10239	503	14	-	-	SYM
ejif-10239	503	15	102=	102=	NUM
ejif-10239	503	16	108	108	NUM
ejif-10239	503	17	.	.	PUNCT
ejif-10239	504	1	song	song	NOUN
ejif-10239	504	2	,	,	PUNCT
ejif-10239	504	3	n.	n.	NOUN
ejif-10239	504	4	,	,	PUNCT
ejif-10239	504	5	&	&	CCONJ
ejif-10239	504	6	appiah	appiah	PROPN
ejif-10239	504	7	-	-	PUNCT
ejif-10239	504	8	otoo	otoo	NOUN
ejif-10239	504	9	,	,	PUNCT
ejif-10239	504	10	i.	i.	NOUN
ejif-10239	504	11	(	(	PUNCT
ejif-10239	504	12	2022	2022	NUM
ejif-10239	504	13	)	)	PUNCT
ejif-10239	504	14	.	.	PUNCT
ejif-10239	505	1	the	the	DET
ejif-10239	505	2	impact	impact	NOUN
ejif-10239	505	3	of	of	ADP
ejif-10239	505	4	fintech	fintech	NOUN
ejif-10239	505	5	on	on	ADP
ejif-10239	505	6	economic	economic	ADJ
ejif-10239	505	7	growth	growth	NOUN
ejif-10239	505	8	:	:	PUNCT
ejif-10239	505	9	evidence	evidence	NOUN
ejif-10239	505	10	from	from	ADP
ejif-10239	505	11	china	china	PROPN
ejif-10239	505	12	.	.	PUNCT
ejif-10239	506	1	sustainability	sustainability	NOUN
ejif-10239	506	2	,	,	PUNCT
ejif-10239	506	3	14(10	14(10	NUM
ejif-10239	506	4	)	)	PUNCT
ejif-10239	506	5	,	,	PUNCT
ejif-10239	506	6	6211	6211	NUM
ejif-10239	506	7	.	.	PUNCT
ejif-10239	507	1	tam	tam	PROPN
ejif-10239	507	2	,	,	PUNCT
ejif-10239	507	3	c.	c.	PROPN
ejif-10239	507	4	,	,	PUNCT
ejif-10239	507	5	&	&	CCONJ
ejif-10239	507	6	oliveira	oliveira	PROPN
ejif-10239	507	7	,	,	PUNCT
ejif-10239	507	8	t.	t.	PROPN
ejif-10239	507	9	(	(	PUNCT
ejif-10239	507	10	2017	2017	NUM
ejif-10239	507	11	)	)	PUNCT
ejif-10239	507	12	.	.	PUNCT
ejif-10239	508	1	literature	literature	PROPN
ejif-10239	508	2	review	review	PROPN
ejif-10239	508	3	of	of	ADP
ejif-10239	508	4	mobile	mobile	ADJ
ejif-10239	508	5	banking	banking	NOUN
ejif-10239	508	6	and	and	CCONJ
ejif-10239	508	7	individual	individual	ADJ
ejif-10239	508	8	performance	performance	NOUN
ejif-10239	508	9	.	.	PUNCT
ejif-10239	509	1	international	international	ADJ
ejif-10239	509	2	journal	journal	PROPN
ejif-10239	509	3	of	of	ADP
ejif-10239	509	4	bank	bank	PROPN
ejif-10239	509	5	marketing	marketing	NOUN
ejif-10239	509	6	,	,	PUNCT
ejif-10239	509	7	35(7	35(7	NUM
ejif-10239	509	8	)	)	PUNCT
ejif-10239	509	9	,	,	PUNCT
ejif-10239	509	10	1044	1044	NUM
ejif-10239	509	11	-	-	SYM
ejif-10239	509	12	1067	1067	NUM
ejif-10239	509	13	.	.	PUNCT
ejif-10239	510	1	tieman	tieman	NOUN
ejif-10239	510	2	,	,	PUNCT
ejif-10239	510	3	m.	m.	NOUN
ejif-10239	510	4	,	,	PUNCT
ejif-10239	510	5	&	&	CCONJ
ejif-10239	510	6	darun	darun	PROPN
ejif-10239	510	7	,	,	PUNCT
ejif-10239	510	8	m.	m.	PROPN
ejif-10239	510	9	r.	r.	PROPN
ejif-10239	510	10	(	(	PUNCT
ejif-10239	510	11	2017	2017	NUM
ejif-10239	510	12	)	)	PUNCT
ejif-10239	510	13	.	.	PUNCT
ejif-10239	511	1	leveraging	leverage	VERB
ejif-10239	511	2	blockchain	blockchain	PROPN
ejif-10239	511	3	technology	technology	NOUN
ejif-10239	511	4	for	for	ADP
ejif-10239	511	5	halal	halal	NOUN
ejif-10239	511	6	supply	supply	NOUN
ejif-10239	511	7	chains	chain	NOUN
ejif-10239	511	8	.	.	PUNCT
ejif-10239	512	1	icr	icr	PROPN
ejif-10239	512	2	journal	journal	PROPN
ejif-10239	512	3	,	,	PUNCT
ejif-10239	512	4	8(4	8(4	NUM
ejif-10239	512	5	)	)	PUNCT
ejif-10239	512	6	,	,	PUNCT
ejif-10239	512	7	547	547	NUM
ejif-10239	512	8	-	-	SYM
ejif-10239	512	9	550	550	NUM
ejif-10239	512	10	.	.	PUNCT
ejif-10239	513	1	tsagkanos	tsagkanos	PROPN
ejif-10239	513	2	,	,	PUNCT
ejif-10239	513	3	a.	a.	PROPN
ejif-10239	513	4	,	,	PUNCT
ejif-10239	513	5	argyropoulou	argyropoulou	PROPN
ejif-10239	513	6	,	,	PUNCT
ejif-10239	513	7	d.	d.	PROPN
ejif-10239	513	8	,	,	PUNCT
ejif-10239	513	9	&	&	CCONJ
ejif-10239	513	10	androulakis	androulakis	PROPN
ejif-10239	513	11	,	,	PUNCT
ejif-10239	513	12	g.	g.	PROPN
ejif-10239	513	13	(	(	PUNCT
ejif-10239	513	14	2022	2022	NUM
ejif-10239	513	15	)	)	PUNCT
ejif-10239	513	16	.	.	PUNCT
ejif-10239	514	1	asymmetric	asymmetric	ADJ
ejif-10239	514	2	economic	economic	ADJ
ejif-10239	514	3	effects	effect	NOUN
ejif-10239	514	4	via	via	ADP
ejif-10239	514	5	the	the	DET
ejif-10239	514	6	dependence	dependence	NOUN
ejif-10239	514	7	structure	structure	NOUN
ejif-10239	514	8	of	of	ADP
ejif-10239	514	9	green	green	ADJ
ejif-10239	514	10	bonds	bond	NOUN
ejif-10239	514	11	and	and	CCONJ
ejif-10239	514	12	financial	financial	ADJ
ejif-10239	514	13	stress	stress	NOUN
ejif-10239	514	14	index	index	NOUN
ejif-10239	514	15	.	.	PUNCT
ejif-10239	515	1	the	the	DET
ejif-10239	515	2	journal	journal	NOUN
ejif-10239	515	3	of	of	ADP
ejif-10239	515	4	economic	economic	ADJ
ejif-10239	515	5	asymmetries	asymmetry	NOUN
ejif-10239	515	6	,	,	PUNCT
ejif-10239	515	7	26	26	NUM
ejif-10239	515	8	,	,	PUNCT
ejif-10239	515	9	e00264	e00264	NOUN
ejif-10239	515	10	.	.	PUNCT
ejif-10239	515	11	uzougbo	uzougbo	PROPN
ejif-10239	515	12	,	,	PUNCT
ejif-10239	515	13	n.	n.	PROPN
ejif-10239	515	14	s.	s.	PROPN
ejif-10239	515	15	,	,	PUNCT
ejif-10239	515	16	ikegwu	ikegwu	ADV
ejif-10239	515	17	,	,	PUNCT
ejif-10239	515	18	c.	c.	PROPN
ejif-10239	515	19	g.	g.	PROPN
ejif-10239	515	20	,	,	PUNCT
ejif-10239	515	21	&	&	CCONJ
ejif-10239	515	22	adewusi	adewusi	PROPN
ejif-10239	515	23	,	,	PUNCT
ejif-10239	515	24	a.	a.	NOUN
ejif-10239	515	25	o.	o.	NOUN
ejif-10239	515	26	(	(	PUNCT
ejif-10239	515	27	2024	2024	NUM
ejif-10239	515	28	)	)	PUNCT
ejif-10239	515	29	.	.	PUNCT
ejif-10239	516	1	legal	legal	ADJ
ejif-10239	516	2	accountability	accountability	NOUN
ejif-10239	516	3	and	and	CCONJ
ejif-10239	516	4	ethical	ethical	ADJ
ejif-10239	516	5	considerations	consideration	NOUN
ejif-10239	516	6	of	of	ADP
ejif-10239	516	7	ai	ai	VERB
ejif-10239	516	8	in	in	ADP
ejif-10239	516	9	financial	financial	ADJ
ejif-10239	516	10	services	service	NOUN
ejif-10239	516	11	.	.	PUNCT
ejif-10239	517	1	gsc	gsc	PROPN
ejif-10239	517	2	advanced	advanced	ADJ
ejif-10239	517	3	research	research	NOUN
ejif-10239	517	4	and	and	CCONJ
ejif-10239	517	5	reviews	review	NOUN
ejif-10239	517	6	,	,	PUNCT
ejif-10239	517	7	19(2	19(2	NUM
ejif-10239	517	8	)	)	PUNCT
ejif-10239	517	9	,	,	PUNCT
ejif-10239	517	10	130	130	NUM
ejif-10239	517	11	-	-	SYM
ejif-10239	517	12	142	142	NUM
ejif-10239	517	13	.	.	PUNCT
ejif-10239	518	1	european	european	PROPN
ejif-10239	518	2	journal	journal	PROPN
ejif-10239	518	3	of	of	ADP
ejif-10239	518	4	islamic	islamic	PROPN
ejif-10239	518	5	finance	finance	PROPN
ejif-10239	518	6	issn	issn	PROPN
ejif-10239	518	7	:	:	PUNCT
ejif-10239	518	8	2421	2421	NUM
ejif-10239	518	9	-	-	SYM
ejif-10239	518	10	2172	2172	NUM
ejif-10239	518	11	doi	doi	NOUN
ejif-10239	518	12	:	:	PUNCT
ejif-10239	518	13	10.13135/2421	10.13135/2421	NUM
ejif-10239	518	14	-	-	SYM
ejif-10239	518	15	2172/10239	2172/10239	NUM
ejif-10239	518	16	published	publish	VERB
ejif-10239	518	17	by	by	ADP
ejif-10239	518	18	university	university	PROPN
ejif-10239	518	19	of	of	ADP
ejif-10239	518	20	turin	turin	PROPN
ejif-10239	519	1	https://www.ojs.unito.it/index.php/ejif/index	https://www.ojs.unito.it/index.php/ejif/index	PROPN
ejif-10239	519	2	ejif	ejif	PROPN
ejif-10239	519	3	content	content	NOUN
ejif-10239	519	4	is	be	AUX
ejif-10239	519	5	licensed	license	VERB
ejif-10239	519	6	under	under	ADP
ejif-10239	519	7	a	a	DET
ejif-10239	519	8	creative	creative	ADJ
ejif-10239	519	9	commons	common	NOUN
ejif-10239	519	10	attribution	attribution	NOUN
ejif-10239	519	11	4.0	4.0	NUM
ejif-10239	519	12	international	international	ADJ
ejif-10239	519	13	license	license	NOUN
ejif-10239	519	14	54	54	NUM
ejif-10239	519	15	vujičić	vujičić	ADJ
ejif-10239	519	16	,	,	PUNCT
ejif-10239	519	17	d.	d.	PROPN
ejif-10239	519	18	,	,	PUNCT
ejif-10239	519	19	jagodić	jagodić	PROPN
ejif-10239	519	20	,	,	PUNCT
ejif-10239	519	21	d.	d.	PROPN
ejif-10239	519	22	,	,	PUNCT
ejif-10239	519	23	&	&	CCONJ
ejif-10239	519	24	ranđić	ranđić	PROPN
ejif-10239	519	25	,	,	PUNCT
ejif-10239	519	26	s.	s.	PROPN
ejif-10239	519	27	(	(	PUNCT
ejif-10239	519	28	2018	2018	NUM
ejif-10239	519	29	,	,	PUNCT
ejif-10239	519	30	march	march	PROPN
ejif-10239	519	31	)	)	PUNCT
ejif-10239	519	32	.	.	PUNCT
ejif-10239	520	1	blockchain	blockchain	PROPN
ejif-10239	520	2	technology	technology	PROPN
ejif-10239	520	3	,	,	PUNCT
ejif-10239	520	4	bitcoin	bitcoin	NOUN
ejif-10239	520	5	,	,	PUNCT
ejif-10239	520	6	and	and	CCONJ
ejif-10239	520	7	ethereum	ethereum	NOUN
ejif-10239	520	8	:	:	PUNCT
ejif-10239	520	9	a	a	DET
ejif-10239	520	10	brief	brief	ADJ
ejif-10239	520	11	overview	overview	NOUN
ejif-10239	520	12	.	.	PUNCT
ejif-10239	521	1	in	in	ADP
ejif-10239	521	2	2018	2018	NUM
ejif-10239	521	3	17th	17th	ADJ
ejif-10239	521	4	international	international	ADJ
ejif-10239	521	5	symposium	symposium	NOUN
ejif-10239	521	6	infoteh	infoteh	NOUN
ejif-10239	521	7	-	-	PUNCT
ejif-10239	521	8	jahorina	jahorina	PROPN
ejif-10239	521	9	(	(	PUNCT
ejif-10239	521	10	infoteh	infoteh	NOUN
ejif-10239	521	11	)	)	PUNCT
ejif-10239	521	12	(	(	PUNCT
ejif-10239	521	13	pp	pp	X
ejif-10239	521	14	.	.	PUNCT
ejif-10239	522	1	1	1	NUM
ejif-10239	522	2	-	-	SYM
ejif-10239	522	3	6	6	NUM
ejif-10239	522	4	)	)	PUNCT
ejif-10239	522	5	.	.	PUNCT
ejif-10239	523	1	ieee	ieee	PROPN
ejif-10239	523	2	.	.	PUNCT
ejif-10239	524	1	yoon	yoon	PROPN
ejif-10239	524	2	,	,	PUNCT
ejif-10239	524	3	s.	s.	PROPN
ejif-10239	524	4	s.	s.	PROPN
ejif-10239	524	5	,	,	PUNCT
ejif-10239	524	6	lee	lee	PROPN
ejif-10239	524	7	,	,	PUNCT
ejif-10239	524	8	h.	h.	PROPN
ejif-10239	524	9	,	,	PUNCT
ejif-10239	524	10	&	&	CCONJ
ejif-10239	524	11	oh	oh	INTJ
ejif-10239	524	12	,	,	PUNCT
ejif-10239	524	13	i.	i.	PROPN
ejif-10239	524	14	(	(	PUNCT
ejif-10239	524	15	2023	2023	NUM
ejif-10239	524	16	)	)	PUNCT
ejif-10239	524	17	.	.	PUNCT
ejif-10239	525	1	differential	differential	ADJ
ejif-10239	525	2	impact	impact	NOUN
ejif-10239	525	3	of	of	ADP
ejif-10239	525	4	fintech	fintech	NOUN
ejif-10239	525	5	and	and	CCONJ
ejif-10239	525	6	gdp	gdp	NOUN
ejif-10239	525	7	on	on	ADP
ejif-10239	525	8	bank	bank	NOUN
ejif-10239	525	9	performance	performance	NOUN
ejif-10239	525	10	:	:	PUNCT
ejif-10239	525	11	global	global	ADJ
ejif-10239	525	12	evidence	evidence	NOUN
ejif-10239	525	13	.	.	PUNCT
ejif-10239	526	1	journal	journal	NOUN
ejif-10239	526	2	of	of	ADP
ejif-10239	526	3	risk	risk	NOUN
ejif-10239	526	4	and	and	CCONJ
ejif-10239	526	5	financial	financial	ADJ
ejif-10239	526	6	management	management	NOUN
ejif-10239	526	7	,	,	PUNCT
ejif-10239	526	8	16(7	16(7	NUM
ejif-10239	526	9	)	)	PUNCT
ejif-10239	526	10	,	,	PUNCT
ejif-10239	526	11	304	304	NUM
ejif-10239	526	12	.	.	PUNCT