id	sid	tid	token	lemma	pos
ejif-4913	1	1	paper	paper	NOUN
ejif-4913	1	2	title	title	NOUN
ejif-4913	1	3	(	(	PUNCT
ejif-4913	1	4	use	use	NOUN
ejif-4913	1	5	style	style	NOUN
ejif-4913	1	6	:	:	PUNCT
ejif-4913	1	7	paper	paper	NOUN
ejif-4913	1	8	title	title	NOUN
ejif-4913	1	9	)	)	PUNCT
ejif-4913	1	10	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4913	1	11	issn	issn	VERB
ejif-4913	1	12	2421	2421	NUM
ejif-4913	1	13	-	-	SYM
ejif-4913	1	14	2172	2172	NUM
ejif-4913	1	15	doi	doi	NOUN
ejif-4913	1	16	:	:	PUNCT
ejif-4913	1	17	10.13135/2421	10.13135/2421	NUM
ejif-4913	1	18	-	-	SYM
ejif-4913	1	19	2172/4913	2172/4913	NUM
ejif-4913	1	20	1	1	NUM
ejif-4913	1	21	covid-19	covid-19	PROPN
ejif-4913	1	22	and	and	CCONJ
ejif-4913	1	23	islamic	islamic	ADJ
ejif-4913	1	24	banking	banking	NOUN
ejif-4913	1	25	services	service	NOUN
ejif-4913	1	26	:	:	PUNCT
ejif-4913	1	27	digitalization	digitalization	NOUN
ejif-4913	1	28	as	as	ADP
ejif-4913	1	29	a	a	DET
ejif-4913	1	30	post	post	ADJ
ejif-4913	1	31	-	-	ADJ
ejif-4913	1	32	crisis	crisis	ADJ
ejif-4913	1	33	solution	solution	NOUN
ejif-4913	1	34	(	(	PUNCT
ejif-4913	1	35	case	case	NOUN
ejif-4913	1	36	of	of	ADP
ejif-4913	1	37	morocco	morocco	PROPN
ejif-4913	1	38	)	)	PUNCT
ejif-4913	1	39	1	1	NUM
ejif-4913	1	40	interdisciplinary	interdisciplinary	ADJ
ejif-4913	1	41	center	center	NOUN
ejif-4913	1	42	for	for	ADP
ejif-4913	1	43	research	research	NOUN
ejif-4913	1	44	in	in	ADP
ejif-4913	1	45	performance	performance	NOUN
ejif-4913	1	46	and	and	CCONJ
ejif-4913	1	47	competitiveness	competitiveness	NOUN
ejif-4913	1	48	,	,	PUNCT
ejif-4913	1	49	faculty	faculty	NOUN
ejif-4913	1	50	of	of	ADP
ejif-4913	1	51	legal	legal	ADJ
ejif-4913	1	52	,	,	PUNCT
ejif-4913	1	53	economic	economic	ADJ
ejif-4913	1	54	and	and	CCONJ
ejif-4913	1	55	social	social	ADJ
ejif-4913	1	56	sciences	sciences	PROPN
ejif-4913	1	57	souissi	souissi	PROPN
ejif-4913	1	58	,	,	PUNCT
ejif-4913	1	59	mohamed	mohamed	PROPN
ejif-4913	1	60	v	v	PROPN
ejif-4913	1	61	university	university	PROPN
ejif-4913	1	62	,	,	PUNCT
ejif-4913	1	63	rabat	rabat	NOUN
ejif-4913	1	64	,	,	PUNCT
ejif-4913	1	65	morocco	morocco	PROPN
ejif-4913	1	66	,	,	PUNCT
ejif-4913	1	67	oumniya.amrani@gmail.com	oumniya.amrani@gmail.com	X
ejif-4913	1	68	2	2	NUM
ejif-4913	1	69	interdisciplinary	interdisciplinary	ADJ
ejif-4913	1	70	center	center	NOUN
ejif-4913	1	71	for	for	ADP
ejif-4913	1	72	research	research	NOUN
ejif-4913	1	73	in	in	ADP
ejif-4913	1	74	performance	performance	NOUN
ejif-4913	1	75	and	and	CCONJ
ejif-4913	1	76	competitiveness	competitiveness	NOUN
ejif-4913	1	77	,	,	PUNCT
ejif-4913	1	78	faculty	faculty	NOUN
ejif-4913	1	79	of	of	ADP
ejif-4913	1	80	legal	legal	ADJ
ejif-4913	1	81	,	,	PUNCT
ejif-4913	1	82	economic	economic	ADJ
ejif-4913	1	83	and	and	CCONJ
ejif-4913	1	84	social	social	ADJ
ejif-4913	1	85	sciences	sciences	PROPN
ejif-4913	1	86	souissi	souissi	PROPN
ejif-4913	1	87	,	,	PUNCT
ejif-4913	1	88	mohamed	mohamed	PROPN
ejif-4913	1	89	v	v	PROPN
ejif-4913	1	90	university	university	PROPN
ejif-4913	1	91	,	,	PUNCT
ejif-4913	1	92	rabat	rabat	NOUN
ejif-4913	1	93	,	,	PUNCT
ejif-4913	1	94	morocco	morocco	PROPN
ejif-4913	1	95	,	,	PUNCT
ejif-4913	1	96	a.najab@um5s.net.ma	a.najab@um5s.net.ma	PROPN
ejif-4913	1	97	abstract	abstract	ADJ
ejif-4913	1	98	—	—	PUNCT
ejif-4913	1	99	movement	movement	NOUN
ejif-4913	1	100	restrictions	restriction	NOUN
ejif-4913	1	101	and	and	CCONJ
ejif-4913	1	102	the	the	DET
ejif-4913	1	103	resulting	result	VERB
ejif-4913	1	104	social	social	ADJ
ejif-4913	1	105	distancing	distancing	NOUN
ejif-4913	1	106	,	,	PUNCT
ejif-4913	1	107	as	as	ADP
ejif-4913	1	108	measures	measure	NOUN
ejif-4913	1	109	to	to	PART
ejif-4913	1	110	flatten	flatten	VERB
ejif-4913	1	111	the	the	DET
ejif-4913	1	112	curve	curve	NOUN
ejif-4913	1	113	of	of	ADP
ejif-4913	1	114	the	the	DET
ejif-4913	1	115	spread	spread	NOUN
ejif-4913	1	116	of	of	ADP
ejif-4913	1	117	coronavirus	coronavirus	NOUN
ejif-4913	1	118	disease	disease	NOUN
ejif-4913	1	119	2019	2019	NUM
ejif-4913	1	120	(	(	PUNCT
ejif-4913	1	121	covid-19	covid-19	PROPN
ejif-4913	1	122	)	)	PUNCT
ejif-4913	1	123	,	,	PUNCT
ejif-4913	1	124	highlighted	highlight	VERB
ejif-4913	1	125	'	'	PUNCT
ejif-4913	1	126	electronic	electronic	ADJ
ejif-4913	1	127	business	business	NOUN
ejif-4913	1	128	models	model	NOUN
ejif-4913	1	129	'	'	PART
ejif-4913	1	130	(	(	PUNCT
ejif-4913	1	131	e	e	NOUN
ejif-4913	1	132	-	-	NOUN
ejif-4913	1	133	bm	bm	NOUN
ejif-4913	1	134	)	)	PUNCT
ejif-4913	1	135	as	as	ADV
ejif-4913	1	136	well	well	ADV
ejif-4913	1	137	as	as	ADP
ejif-4913	1	138	the	the	DET
ejif-4913	1	139	importance	importance	NOUN
ejif-4913	1	140	of	of	ADP
ejif-4913	1	141	digital	digital	ADJ
ejif-4913	1	142	transformation	transformation	NOUN
ejif-4913	1	143	of	of	ADP
ejif-4913	1	144	banking	banking	NOUN
ejif-4913	1	145	services	service	NOUN
ejif-4913	1	146	.	.	PUNCT
ejif-4913	2	1	this	this	DET
ejif-4913	2	2	article	article	NOUN
ejif-4913	2	3	aims	aim	VERB
ejif-4913	2	4	to	to	PART
ejif-4913	2	5	empirically	empirically	ADV
ejif-4913	2	6	explore	explore	VERB
ejif-4913	2	7	the	the	DET
ejif-4913	2	8	new	new	ADJ
ejif-4913	2	9	business	business	NOUN
ejif-4913	2	10	opportunities	opportunity	NOUN
ejif-4913	2	11	offered	offer	VERB
ejif-4913	2	12	by	by	ADP
ejif-4913	2	13	the	the	DET
ejif-4913	2	14	digitalization	digitalization	NOUN
ejif-4913	2	15	of	of	ADP
ejif-4913	2	16	islamic	islamic	ADJ
ejif-4913	2	17	banking	banking	NOUN
ejif-4913	2	18	services	service	NOUN
ejif-4913	2	19	as	as	ADP
ejif-4913	2	20	a	a	DET
ejif-4913	2	21	solution	solution	NOUN
ejif-4913	2	22	to	to	PART
ejif-4913	2	23	revitalize	revitalize	VERB
ejif-4913	2	24	post	post	ADJ
ejif-4913	2	25	-	-	ADJ
ejif-4913	2	26	covid-19	covid-19	ADJ
ejif-4913	2	27	activity	activity	NOUN
ejif-4913	2	28	and	and	CCONJ
ejif-4913	2	29	overcome	overcome	VERB
ejif-4913	2	30	the	the	DET
ejif-4913	2	31	difficulties	difficulty	NOUN
ejif-4913	2	32	of	of	ADP
ejif-4913	2	33	the	the	DET
ejif-4913	2	34	period	period	NOUN
ejif-4913	2	35	.	.	PUNCT
ejif-4913	3	1	the	the	DET
ejif-4913	3	2	article	article	NOUN
ejif-4913	3	3	presents	present	VERB
ejif-4913	3	4	the	the	DET
ejif-4913	3	5	results	result	NOUN
ejif-4913	3	6	of	of	ADP
ejif-4913	3	7	an	an	DET
ejif-4913	3	8	opinion	opinion	NOUN
ejif-4913	3	9	survey	survey	NOUN
ejif-4913	3	10	conducted	conduct	VERB
ejif-4913	3	11	among	among	ADP
ejif-4913	3	12	moroccan	moroccan	ADJ
ejif-4913	3	13	citizens	citizen	NOUN
ejif-4913	3	14	to	to	PART
ejif-4913	3	15	collect	collect	VERB
ejif-4913	3	16	and	and	CCONJ
ejif-4913	3	17	analyze	analyze	VERB
ejif-4913	3	18	their	their	PRON
ejif-4913	3	19	perceptions	perception	NOUN
ejif-4913	3	20	and	and	CCONJ
ejif-4913	3	21	expectations	expectation	NOUN
ejif-4913	3	22	about	about	ADP
ejif-4913	3	23	the	the	DET
ejif-4913	3	24	digital	digital	ADJ
ejif-4913	3	25	transformation	transformation	NOUN
ejif-4913	3	26	of	of	ADP
ejif-4913	3	27	participatory	participatory	ADJ
ejif-4913	3	28	banking	banking	NOUN
ejif-4913	3	29	services	service	NOUN
ejif-4913	3	30	.	.	PUNCT
ejif-4913	4	1	this	this	PRON
ejif-4913	4	2	is	be	AUX
ejif-4913	4	3	the	the	DET
ejif-4913	4	4	first	first	ADJ
ejif-4913	4	5	exploratory	exploratory	ADJ
ejif-4913	4	6	study	study	NOUN
ejif-4913	4	7	in	in	ADP
ejif-4913	4	8	morocco	morocco	PROPN
ejif-4913	4	9	focused	focus	VERB
ejif-4913	4	10	on	on	ADP
ejif-4913	4	11	customer	customer	NOUN
ejif-4913	4	12	’s	’s	PART
ejif-4913	4	13	expectations	expectation	NOUN
ejif-4913	4	14	regarding	regard	VERB
ejif-4913	4	15	the	the	DET
ejif-4913	4	16	digitalization	digitalization	NOUN
ejif-4913	4	17	of	of	ADP
ejif-4913	4	18	participatory	participatory	ADJ
ejif-4913	4	19	banking	banking	NOUN
ejif-4913	4	20	services	service	NOUN
ejif-4913	4	21	.	.	PUNCT
ejif-4913	5	1	the	the	DET
ejif-4913	5	2	results	result	NOUN
ejif-4913	5	3	of	of	ADP
ejif-4913	5	4	the	the	DET
ejif-4913	5	5	survey	survey	NOUN
ejif-4913	5	6	highlighted	highlight	VERB
ejif-4913	5	7	a	a	DET
ejif-4913	5	8	significant	significant	ADJ
ejif-4913	5	9	interest	interest	NOUN
ejif-4913	5	10	from	from	ADP
ejif-4913	5	11	customers	customer	NOUN
ejif-4913	5	12	and	and	CCONJ
ejif-4913	5	13	prospects	prospect	NOUN
ejif-4913	5	14	for	for	ADP
ejif-4913	5	15	digital	digital	ADJ
ejif-4913	5	16	transformation	transformation	NOUN
ejif-4913	5	17	of	of	ADP
ejif-4913	5	18	the	the	DET
ejif-4913	5	19	services	service	NOUN
ejif-4913	5	20	offered	offer	VERB
ejif-4913	5	21	by	by	ADP
ejif-4913	5	22	the	the	DET
ejif-4913	5	23	actors	actor	NOUN
ejif-4913	5	24	of	of	ADP
ejif-4913	5	25	this	this	DET
ejif-4913	5	26	new	new	ADJ
ejif-4913	5	27	banking	banking	NOUN
ejif-4913	5	28	industry	industry	NOUN
ejif-4913	5	29	,	,	PUNCT
ejif-4913	5	30	in	in	ADP
ejif-4913	5	31	particular	particular	ADJ
ejif-4913	5	32	through	through	ADP
ejif-4913	5	33	mobile	mobile	ADJ
ejif-4913	5	34	banking	banking	NOUN
ejif-4913	5	35	application	application	NOUN
ejif-4913	5	36	.	.	PUNCT
ejif-4913	6	1	however	however	ADV
ejif-4913	6	2	,	,	PUNCT
ejif-4913	6	3	there	there	PRON
ejif-4913	6	4	is	be	VERB
ejif-4913	6	5	still	still	ADV
ejif-4913	6	6	a	a	DET
ejif-4913	6	7	part	part	NOUN
ejif-4913	6	8	that	that	PRON
ejif-4913	6	9	prefers	prefer	VERB
ejif-4913	6	10	traditional	traditional	ADJ
ejif-4913	6	11	on	on	ADP
ejif-4913	6	12	-	-	PUNCT
ejif-4913	6	13	site	site	NOUN
ejif-4913	6	14	banking	banking	NOUN
ejif-4913	6	15	services	service	NOUN
ejif-4913	6	16	.furthermore	.furthermore	NOUN
ejif-4913	6	17	,	,	PUNCT
ejif-4913	6	18	digital	digital	ADJ
ejif-4913	6	19	transformation	transformation	NOUN
ejif-4913	6	20	also	also	ADV
ejif-4913	6	21	presents	present	VERB
ejif-4913	6	22	some	some	DET
ejif-4913	6	23	risks	risk	NOUN
ejif-4913	6	24	such	such	ADJ
ejif-4913	6	25	as	as	ADP
ejif-4913	6	26	cyber	cyber	ADJ
ejif-4913	6	27	security	security	NOUN
ejif-4913	6	28	and	and	CCONJ
ejif-4913	6	29	issues	issue	NOUN
ejif-4913	6	30	of	of	ADP
ejif-4913	6	31	non	non	NOUN
ejif-4913	6	32	-	-	NOUN
ejif-4913	6	33	compliance	compliance	NOUN
ejif-4913	6	34	with	with	ADP
ejif-4913	6	35	banking	banking	NOUN
ejif-4913	6	36	regulations	regulation	NOUN
ejif-4913	6	37	relating	relate	VERB
ejif-4913	6	38	to	to	ADP
ejif-4913	6	39	opening	open	VERB
ejif-4913	6	40	a	a	DET
ejif-4913	6	41	bank	bank	NOUN
ejif-4913	6	42	account	account	NOUN
ejif-4913	6	43	remotely	remotely	ADV
ejif-4913	6	44	.	.	PUNCT
ejif-4913	7	1	to	to	PART
ejif-4913	7	2	manage	manage	VERB
ejif-4913	7	3	these	these	DET
ejif-4913	7	4	risks	risk	NOUN
ejif-4913	7	5	and	and	CCONJ
ejif-4913	7	6	reshape	reshape	VERB
ejif-4913	7	7	their	their	PRON
ejif-4913	7	8	bm	bm	PROPN
ejif-4913	7	9	,	,	PUNCT
ejif-4913	7	10	it	it	PRON
ejif-4913	7	11	is	be	AUX
ejif-4913	7	12	recommended	recommend	VERB
ejif-4913	7	13	that	that	SCONJ
ejif-4913	7	14	participatory	participatory	ADJ
ejif-4913	7	15	banking	banking	NOUN
ejif-4913	7	16	institutions	institution	NOUN
ejif-4913	7	17	set	set	VERB
ejif-4913	7	18	up	up	ADP
ejif-4913	7	19	an	an	DET
ejif-4913	7	20	integrated	integrate	VERB
ejif-4913	7	21	digital	digital	ADJ
ejif-4913	7	22	strategy	strategy	NOUN
ejif-4913	7	23	,	,	PUNCT
ejif-4913	7	24	improve	improve	VERB
ejif-4913	7	25	their	their	PRON
ejif-4913	7	26	internal	internal	ADJ
ejif-4913	7	27	processes	process	NOUN
ejif-4913	7	28	and	and	CCONJ
ejif-4913	7	29	equip	equip	VERB
ejif-4913	7	30	themselves	themselves	PRON
ejif-4913	7	31	with	with	ADP
ejif-4913	7	32	a	a	DET
ejif-4913	7	33	robust	robust	ADJ
ejif-4913	7	34	,	,	PUNCT
ejif-4913	7	35	interactive	interactive	ADJ
ejif-4913	7	36	and	and	CCONJ
ejif-4913	7	37	locked	lock	VERB
ejif-4913	7	38	information	information	NOUN
ejif-4913	7	39	system	system	NOUN
ejif-4913	7	40	.	.	PUNCT
ejif-4913	8	1	keywords	keyword	NOUN
ejif-4913	8	2	:	:	PUNCT
ejif-4913	8	3	covid-19	covid-19	PROPN
ejif-4913	8	4	,	,	PUNCT
ejif-4913	8	5	electronic	electronic	ADJ
ejif-4913	8	6	business	business	NOUN
ejif-4913	8	7	model	model	NOUN
ejif-4913	8	8	,	,	PUNCT
ejif-4913	8	9	digital	digital	ADJ
ejif-4913	8	10	transformation	transformation	NOUN
ejif-4913	8	11	,	,	PUNCT
ejif-4913	8	12	participatory	participatory	ADJ
ejif-4913	8	13	banking	banking	NOUN
ejif-4913	8	14	services	service	NOUN
ejif-4913	8	15	,	,	PUNCT
ejif-4913	8	16	expectations	expectation	NOUN
ejif-4913	8	17	of	of	ADP
ejif-4913	8	18	moroccan	moroccan	ADJ
ejif-4913	8	19	citizens	citizen	NOUN
ejif-4913	8	20	,	,	PUNCT
ejif-4913	8	21	opinion	opinion	NOUN
ejif-4913	8	22	survey	survey	NOUN
ejif-4913	8	23	.	.	PUNCT
ejif-4913	9	1	i.	i.	PROPN
ejif-4913	9	2	introduction	introduction	PROPN
ejif-4913	9	3	coronavirus	coronavirus	NOUN
ejif-4913	9	4	disease	disease	NOUN
ejif-4913	9	5	2019	2019	NUM
ejif-4913	9	6	(	(	PUNCT
ejif-4913	9	7	covid-19	covid-19	PROPN
ejif-4913	9	8	)	)	PUNCT
ejif-4913	9	9	is	be	AUX
ejif-4913	9	10	a	a	DET
ejif-4913	9	11	global	global	ADJ
ejif-4913	9	12	health	health	NOUN
ejif-4913	9	13	crisis	crisis	NOUN
ejif-4913	9	14	that	that	PRON
ejif-4913	9	15	threatens	threaten	VERB
ejif-4913	9	16	both	both	DET
ejif-4913	9	17	human	human	ADJ
ejif-4913	9	18	health	health	NOUN
ejif-4913	9	19	and	and	CCONJ
ejif-4913	9	20	the	the	DET
ejif-4913	9	21	economy	economy	NOUN
ejif-4913	9	22	of	of	ADP
ejif-4913	9	23	countries.around	countries.around	PROPN
ejif-4913	9	24	the	the	DET
ejif-4913	9	25	world	world	NOUN
ejif-4913	9	26	,	,	PUNCT
ejif-4913	9	27	this	this	DET
ejif-4913	9	28	pandemic	pandemic	NOUN
ejif-4913	9	29	is	be	AUX
ejif-4913	9	30	costing	cost	VERB
ejif-4913	9	31	many	many	ADJ
ejif-4913	9	32	lives	life	NOUN
ejif-4913	9	33	,	,	PUNCT
ejif-4913	9	34	affecting	affect	VERB
ejif-4913	9	35	livelihoods	livelihood	NOUN
ejif-4913	9	36	and	and	CCONJ
ejif-4913	9	37	threatening	threaten	VERB
ejif-4913	9	38	recent	recent	ADJ
ejif-4913	9	39	progress	progress	NOUN
ejif-4913	9	40	towards	towards	ADP
ejif-4913	9	41	the	the	DET
ejif-4913	9	42	development	development	NOUN
ejif-4913	9	43	goals	goal	NOUN
ejif-4913	9	44	the	the	DET
ejif-4913	9	45	world	world	NOUN
ejif-4913	9	46	has	have	AUX
ejif-4913	9	47	set	set	VERB
ejif-4913	9	48	for	for	ADP
ejif-4913	9	49	itself	itself	PRON
ejif-4913	9	50	.	.	PUNCT
ejif-4913	10	1	on	on	ADP
ejif-4913	10	2	the	the	DET
ejif-4913	10	3	other	other	ADJ
ejif-4913	10	4	hand	hand	NOUN
ejif-4913	10	5	,	,	PUNCT
ejif-4913	10	6	according	accord	VERB
ejif-4913	10	7	to	to	ADP
ejif-4913	10	8	the	the	DET
ejif-4913	10	9	international	international	ADJ
ejif-4913	10	10	monetary	monetary	ADJ
ejif-4913	10	11	fund	fund	NOUN
ejif-4913	10	12	(	(	PUNCT
ejif-4913	10	13	imf	imf	PROPN
ejif-4913	10	14	)	)	PUNCT
ejif-4913	10	15	,	,	PUNCT
ejif-4913	10	16	this	this	DET
ejif-4913	10	17	crisis	crisis	NOUN
ejif-4913	10	18	is	be	AUX
ejif-4913	10	19	unlike	unlike	ADP
ejif-4913	10	20	any	any	DET
ejif-4913	10	21	other	other	ADJ
ejif-4913	10	22	.	.	PUNCT
ejif-4913	11	1	according	accord	VERB
ejif-4913	11	2	to	to	ADP
ejif-4913	11	3	its	its	PRON
ejif-4913	11	4	forecasts	forecast	NOUN
ejif-4913	11	5	,	,	PUNCT
ejif-4913	11	6	the	the	DET
ejif-4913	11	7	world	world	NOUN
ejif-4913	11	8	economy	economy	NOUN
ejif-4913	11	9	is	be	AUX
ejif-4913	11	10	likely	likely	ADJ
ejif-4913	11	11	to	to	PART
ejif-4913	11	12	experience	experience	VERB
ejif-4913	11	13	its	its	PRON
ejif-4913	11	14	worst	bad	ADJ
ejif-4913	11	15	recession	recession	NOUN
ejif-4913	11	16	since	since	SCONJ
ejif-4913	11	17	the	the	DET
ejif-4913	11	18	great	great	ADJ
ejif-4913	11	19	depression	depression	NOUN
ejif-4913	11	20	of	of	ADP
ejif-4913	11	21	the	the	DET
ejif-4913	11	22	1930s	1930	NOUN
ejif-4913	11	23	,	,	PUNCT
ejif-4913	11	24	witha	witha	AUX
ejif-4913	11	25	recession	recession	NOUN
ejif-4913	11	26	of	of	ADP
ejif-4913	11	27	3%that	3%that	PROPN
ejif-4913	11	28	is	be	AUX
ejif-4913	11	29	more	more	ADV
ejif-4913	11	30	severe	severe	ADJ
ejif-4913	11	31	than	than	ADP
ejif-4913	11	32	the	the	DET
ejif-4913	11	33	one	one	NUM
ejif-4913	11	34	observed	observe	VERB
ejif-4913	11	35	during	during	ADP
ejif-4913	11	36	the	the	DET
ejif-4913	11	37	global	global	ADJ
ejif-4913	11	38	financial	financial	ADJ
ejif-4913	11	39	crisis	crisis	NOUN
ejif-4913	11	40	a	a	DET
ejif-4913	11	41	decade	decade	NOUN
ejif-4913	11	42	ago[1	ago[1	ADP
ejif-4913	11	43	]	]	PUNCT
ejif-4913	11	44	.	.	PUNCT
ejif-4913	12	1	while	while	SCONJ
ejif-4913	12	2	the	the	DET
ejif-4913	12	3	global	global	ADJ
ejif-4913	12	4	financial	financial	ADJ
ejif-4913	12	5	crisis	crisis	NOUN
ejif-4913	12	6	of	of	ADP
ejif-4913	12	7	2007/2008	2007/2008	NUM
ejif-4913	12	8	originated	originate	VERB
ejif-4913	12	9	in	in	ADP
ejif-4913	12	10	the	the	DET
ejif-4913	12	11	financial	financial	ADJ
ejif-4913	12	12	ecosystem	ecosystem	NOUN
ejif-4913	12	13	of	of	ADP
ejif-4913	12	14	developed	develop	VERB
ejif-4913	12	15	economies	economy	NOUN
ejif-4913	12	16	,	,	PUNCT
ejif-4913	12	17	this	this	DET
ejif-4913	12	18	terrible	terrible	ADJ
ejif-4913	12	19	economic	economic	ADJ
ejif-4913	12	20	and	and	CCONJ
ejif-4913	12	21	financial	financial	ADJ
ejif-4913	12	22	shock	shock	NOUN
ejif-4913	12	23	inflicted	inflict	VERB
ejif-4913	12	24	by	by	ADP
ejif-4913	12	25	covid-19	covid-19	PROPN
ejif-4913	12	26	pandemic	pandemic	NOUN
ejif-4913	12	27	impacted	impact	VERB
ejif-4913	12	28	all	all	DET
ejif-4913	12	29	sectors	sector	NOUN
ejif-4913	12	30	of	of	ADP
ejif-4913	12	31	the	the	DET
ejif-4913	12	32	global	global	ADJ
ejif-4913	12	33	economy	economy	NOUN
ejif-4913	12	34	with	with	ADP
ejif-4913	12	35	violent	violent	ADJ
ejif-4913	12	36	and	and	CCONJ
ejif-4913	12	37	consequent	consequent	ADJ
ejif-4913	12	38	repercussions	repercussion	NOUN
ejif-4913	12	39	on	on	ADP
ejif-4913	12	40	the	the	DET
ejif-4913	12	41	real	real	ADJ
ejif-4913	12	42	sector	sector	NOUN
ejif-4913	12	43	.	.	PUNCT
ejif-4913	13	1	in	in	ADP
ejif-4913	13	2	the	the	DET
ejif-4913	13	3	wake	wake	NOUN
ejif-4913	13	4	of	of	ADP
ejif-4913	13	5	this	this	DET
ejif-4913	13	6	storm	storm	NOUN
ejif-4913	13	7	and	and	CCONJ
ejif-4913	13	8	the	the	DET
ejif-4913	13	9	strong	strong	ADJ
ejif-4913	13	10	doubts	doubt	NOUN
ejif-4913	13	11	surrounding	surround	VERB
ejif-4913	13	12	its	its	PRON
ejif-4913	13	13	extent	extent	NOUN
ejif-4913	13	14	and	and	CCONJ
ejif-4913	13	15	its	its	PRON
ejif-4913	13	16	implications	implication	NOUN
ejif-4913	13	17	for	for	ADP
ejif-4913	13	18	the	the	DET
ejif-4913	13	19	international	international	ADJ
ejif-4913	13	20	economy	economy	NOUN
ejif-4913	13	21	,	,	PUNCT
ejif-4913	13	22	all	all	DET
ejif-4913	13	23	economic	economic	ADJ
ejif-4913	13	24	actors	actor	NOUN
ejif-4913	13	25	,	,	PUNCT
ejif-4913	13	26	especially	especially	ADV
ejif-4913	13	27	banks	bank	NOUN
ejif-4913	13	28	,	,	PUNCT
ejif-4913	13	29	find	find	VERB
ejif-4913	13	30	themselves	themselves	PRON
ejif-4913	13	31	forced	force	VERB
ejif-4913	13	32	to	to	PART
ejif-4913	13	33	take	take	VERB
ejif-4913	13	34	up	up	ADP
ejif-4913	13	35	an	an	DET
ejif-4913	13	36	enormous	enormous	ADJ
ejif-4913	13	37	challenge	challenge	NOUN
ejif-4913	13	38	to	to	PART
ejif-4913	13	39	maintain	maintain	VERB
ejif-4913	13	40	the	the	DET
ejif-4913	13	41	continuity	continuity	NOUN
ejif-4913	13	42	of	of	ADP
ejif-4913	13	43	their	their	PRON
ejif-4913	13	44	activities	activity	NOUN
ejif-4913	13	45	and	and	CCONJ
ejif-4913	13	46	to	to	PART
ejif-4913	13	47	minimize	minimize	VERB
ejif-4913	13	48	the	the	DET
ejif-4913	13	49	economic	economic	ADJ
ejif-4913	13	50	and	and	CCONJ
ejif-4913	13	51	financial	financial	ADJ
ejif-4913	13	52	impact	impact	NOUN
ejif-4913	13	53	of	of	ADP
ejif-4913	13	54	the	the	DET
ejif-4913	13	55	crisis	crisis	NOUN
ejif-4913	13	56	on	on	ADP
ejif-4913	13	57	their	their	PRON
ejif-4913	13	58	results	result	NOUN
ejif-4913	13	59	.	.	PUNCT
ejif-4913	14	1	according	accord	VERB
ejif-4913	14	2	to	to	ADP
ejif-4913	14	3	the	the	DET
ejif-4913	14	4	islamic	islamic	PROPN
ejif-4913	14	5	financial	financial	PROPN
ejif-4913	14	6	sharia	sharia	PROPN
ejif-4913	14	7	board	board	PROPN
ejif-4913	14	8	(	(	PUNCT
ejif-4913	14	9	ifsb	ifsb	NOUN
ejif-4913	14	10	)	)	PUNCT
ejif-4913	14	11	,	,	PUNCT
ejif-4913	14	12	islamic	islamic	ADJ
ejif-4913	14	13	banks	bank	NOUN
ejif-4913	14	14	are	be	AUX
ejif-4913	14	15	not	not	PART
ejif-4913	14	16	immune	immune	ADJ
ejif-4913	14	17	from	from	ADP
ejif-4913	14	18	the	the	DET
ejif-4913	14	19	obvious	obvious	ADJ
ejif-4913	14	20	and	and	CCONJ
ejif-4913	14	21	expected	expect	VERB
ejif-4913	14	22	consequences	consequence	NOUN
ejif-4913	14	23	of	of	ADP
ejif-4913	14	24	this	this	DET
ejif-4913	14	25	pandemic	pandemic	NOUN
ejif-4913	14	26	given	give	VERB
ejif-4913	14	27	their	their	PRON
ejif-4913	14	28	exposure	exposure	NOUN
ejif-4913	14	29	to	to	ADP
ejif-4913	14	30	the	the	DET
ejif-4913	14	31	real	real	ADJ
ejif-4913	14	32	economy	economy	NOUN
ejif-4913	14	33	,	,	PUNCT
ejif-4913	14	34	which	which	PRON
ejif-4913	14	35	could	could	AUX
ejif-4913	14	36	have	have	VERB
ejif-4913	14	37	implications	implication	NOUN
ejif-4913	14	38	for	for	ADP
ejif-4913	14	39	their	their	PRON
ejif-4913	14	40	resilience	resilience	NOUN
ejif-4913	14	41	and	and	CCONJ
ejif-4913	14	42	performance	performance	NOUN
ejif-4913	14	43	levels[2	levels[2	PROPN
ejif-4913	14	44	]	]	PUNCT
ejif-4913	14	45	.	.	PUNCT
ejif-4913	15	1	thus	thus	ADV
ejif-4913	15	2	,	,	PUNCT
ejif-4913	15	3	banking	banking	NOUN
ejif-4913	15	4	institutions	institution	NOUN
ejif-4913	15	5	must	must	AUX
ejif-4913	15	6	provide	provide	VERB
ejif-4913	15	7	concrete	concrete	ADJ
ejif-4913	15	8	responses	response	NOUN
ejif-4913	15	9	to	to	ADP
ejif-4913	15	10	the	the	DET
ejif-4913	15	11	difficulties	difficulty	NOUN
ejif-4913	15	12	they	they	PRON
ejif-4913	15	13	are	be	AUX
ejif-4913	15	14	currently	currently	ADV
ejif-4913	15	15	experiencing	experience	VERB
ejif-4913	15	16	to	to	PART
ejif-4913	15	17	capture	capture	VERB
ejif-4913	15	18	market	market	NOUN
ejif-4913	15	19	share	share	NOUN
ejif-4913	15	20	from	from	ADP
ejif-4913	15	21	a	a	DET
ejif-4913	15	22	banking	banking	NOUN
ejif-4913	15	23	industry	industry	NOUN
ejif-4913	15	24	that	that	PRON
ejif-4913	15	25	has	have	AUX
ejif-4913	15	26	been	be	AUX
ejif-4913	15	27	doubly	doubly	ADV
ejif-4913	15	28	devastated	devastate	VERB
ejif-4913	15	29	by	by	ADP
ejif-4913	15	30	a	a	DET
ejif-4913	15	31	sudden	sudden	ADJ
ejif-4913	15	32	halt	halt	NOUN
ejif-4913	15	33	in	in	ADP
ejif-4913	15	34	economic	economic	ADJ
ejif-4913	15	35	activity	activity	NOUN
ejif-4913	15	36	against	against	ADP
ejif-4913	15	37	a	a	DET
ejif-4913	15	38	backdrop	backdrop	NOUN
ejif-4913	15	39	of	of	ADP
ejif-4913	15	40	recession	recession	NOUN
ejif-4913	15	41	.	.	PUNCT
ejif-4913	16	1	in	in	ADP
ejif-4913	16	2	the	the	DET
ejif-4913	16	3	light	light	NOUN
ejif-4913	16	4	of	of	ADP
ejif-4913	16	5	the	the	DET
ejif-4913	16	6	pandemic	pandemic	NOUN
ejif-4913	16	7	,	,	PUNCT
ejif-4913	16	8	they	they	PRON
ejif-4913	16	9	will	will	AUX
ejif-4913	16	10	have	have	VERB
ejif-4913	16	11	to	to	PART
ejif-4913	16	12	make	make	VERB
ejif-4913	16	13	changes	change	NOUN
ejif-4913	16	14	on	on	ADP
ejif-4913	16	15	a	a	DET
ejif-4913	16	16	proportionate	proportionate	ADJ
ejif-4913	16	17	scale	scale	NOUN
ejif-4913	16	18	.	.	PUNCT
ejif-4913	17	1	with	with	ADP
ejif-4913	17	2	a	a	DET
ejif-4913	17	3	global	global	ADJ
ejif-4913	17	4	islamic	islamic	ADJ
ejif-4913	17	5	banking	banking	NOUN
ejif-4913	17	6	market	market	NOUN
ejif-4913	17	7	estimated	estimate	VERB
ejif-4913	17	8	at	at	ADP
ejif-4913	17	9	2.5	2.5	NUM
ejif-4913	17	10	billion	billion	NUM
ejif-4913	17	11	dollars	dollar	NOUN
ejif-4913	17	12	at	at	ADP
ejif-4913	17	13	the	the	DET
ejif-4913	17	14	end	end	NOUN
ejif-4913	17	15	of	of	ADP
ejif-4913	17	16	2019	2019	NUM
ejif-4913	17	17	,	,	PUNCT
ejif-4913	17	18	this	this	DET
ejif-4913	17	19	segment	segment	NOUN
ejif-4913	17	20	of	of	ADP
ejif-4913	17	21	islamic	islamic	ADJ
ejif-4913	17	22	finance	finance	NOUN
ejif-4913	17	23	remains	remain	VERB
ejif-4913	17	24	embryonic	embryonic	ADJ
ejif-4913	17	25	in	in	ADP
ejif-4913	17	26	morocco	morocco	PROPN
ejif-4913	18	1	[	[	X
ejif-4913	18	2	3	3	NUM
ejif-4913	18	3	]	]	PUNCT
ejif-4913	18	4	.	.	PUNCT
ejif-4913	18	5	officially	officially	ADV
ejif-4913	18	6	referred	refer	VERB
ejif-4913	18	7	to	to	ADP
ejif-4913	18	8	as	as	ADP
ejif-4913	18	9	"	"	PUNCT
ejif-4913	18	10	moroccan	moroccan	PROPN
ejif-4913	18	11	participatory	participatory	PROPN
ejif-4913	18	12	banking	banking	NOUN
ejif-4913	18	13	institutions	institution	NOUN
ejif-4913	18	14	"	"	PUNCT
ejif-4913	18	15	,	,	PUNCT
ejif-4913	18	16	the	the	DET
ejif-4913	18	17	effective	effective	ADJ
ejif-4913	18	18	start	start	NOUN
ejif-4913	18	19	of	of	ADP
ejif-4913	18	20	their	their	PRON
ejif-4913	18	21	activities	activity	NOUN
ejif-4913	18	22	took	take	VERB
ejif-4913	18	23	place	place	NOUN
ejif-4913	18	24	during	during	ADP
ejif-4913	18	25	the	the	DET
ejif-4913	18	26	second	second	ADJ
ejif-4913	18	27	half	half	NOUN
ejif-4913	18	28	of	of	ADP
ejif-4913	18	29	2017	2017	NUM
ejif-4913	18	30	.	.	PUNCT
ejif-4913	19	1	currently	currently	ADV
ejif-4913	19	2	,	,	PUNCT
ejif-4913	19	3	the	the	DET
ejif-4913	19	4	moroccan	moroccan	PROPN
ejif-4913	19	5	banking	banking	NOUN
ejif-4913	19	6	landscape	landscape	NOUN
ejif-4913	19	7	has	have	VERB
ejif-4913	19	8	eight	eight	NUM
ejif-4913	19	9	participatory	participatory	ADJ
ejif-4913	19	10	banking	banking	NOUN
ejif-4913	19	11	institutions	institution	NOUN
ejif-4913	19	12	,	,	PUNCT
ejif-4913	19	13	including	include	VERB
ejif-4913	19	14	five	five	NUM
ejif-4913	19	15	banks	bank	NOUN
ejif-4913	19	16	and	and	CCONJ
ejif-4913	19	17	three	three	NUM
ejif-4913	19	18	windows	window	NOUN
ejif-4913	19	19	.	.	PUNCT
ejif-4913	20	1	at	at	ADP
ejif-4913	20	2	the	the	DET
ejif-4913	20	3	end	end	NOUN
ejif-4913	20	4	of	of	ADP
ejif-4913	20	5	2019	2019	NUM
ejif-4913	20	6	,	,	PUNCT
ejif-4913	20	7	these	these	DET
ejif-4913	20	8	establishments	establishment	NOUN
ejif-4913	20	9	oumniya	oumniya	VERB
ejif-4913	20	10	amrani	amrani	NOUN
ejif-4913	20	11	1	1	NUM
ejif-4913	20	12	and	and	CCONJ
ejif-4913	20	13	amal	amal	PROPN
ejif-4913	20	14	najab	najab	PROPN
ejif-4913	20	15	2	2	NUM
ejif-4913	20	16	submitted	submit	VERB
ejif-4913	20	17	july	july	PROPN
ejif-4913	20	18	2020	2020	NUM
ejif-4913	20	19	,	,	PUNCT
ejif-4913	20	20	revised	revise	VERB
ejif-4913	20	21	december	december	PROPN
ejif-4913	20	22	2020	2020	NUM
ejif-4913	20	23	,	,	PUNCT
ejif-4913	20	24	accepted	accept	VERB
ejif-4913	20	25	december	december	PROPN
ejif-4913	20	26	2020	2020	NUM
ejif-4913	20	27	mailto:oumniya.amrani@gmail.com	mailto:oumniya.amrani@gmail.com	X
ejif-4913	20	28	ejif	ejif	PROPN
ejif-4913	20	29	–	–	PUNCT
ejif-4913	20	30	european	european	PROPN
ejif-4913	20	31	journal	journal	PROPN
ejif-4913	20	32	of	of	ADP
ejif-4913	20	33	islamic	islamic	PROPN
ejif-4913	20	34	finance	finance	PROPN
ejif-4913	20	35	islamic	islamic	PROPN
ejif-4913	20	36	finance	finance	NOUN
ejif-4913	20	37	role	role	NOUN
ejif-4913	20	38	in	in	ADP
ejif-4913	20	39	the	the	DET
ejif-4913	20	40	time	time	NOUN
ejif-4913	20	41	of	of	ADP
ejif-4913	20	42	covid-19	covid-19	PROPN
ejif-4913	20	43	pandemic	pandemic	NOUN
ejif-4913	20	44	,	,	PUNCT
ejif-4913	20	45	no	no	DET
ejif-4913	20	46	16	16	NUM
ejif-4913	20	47	,	,	PUNCT
ejif-4913	20	48	december	december	PROPN
ejif-4913	20	49	(	(	PUNCT
ejif-4913	20	50	2020	2020	NUM
ejif-4913	20	51	)	)	PUNCT
ejif-4913	21	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4913	21	2	issn	issn	VERB
ejif-4913	21	3	2421	2421	NUM
ejif-4913	21	4	-	-	SYM
ejif-4913	21	5	2172	2172	NUM
ejif-4913	21	6	doi	doi	NOUN
ejif-4913	21	7	:	:	PUNCT
ejif-4913	21	8	10.13135/2421	10.13135/2421	NUM
ejif-4913	21	9	-	-	SYM
ejif-4913	21	10	2172/4913	2172/4913	NUM
ejif-4913	21	11	2	2	NUM
ejif-4913	21	12	recorded	record	VERB
ejif-4913	21	13	total	total	ADJ
ejif-4913	21	14	assets	asset	NOUN
ejif-4913	21	15	of	of	ADP
ejif-4913	21	16	7.3	7.3	NUM
ejif-4913	21	17	billion	billion	NUM
ejif-4913	21	18	dirham	dirham	NOUN
ejif-4913	21	19	against	against	ADP
ejif-4913	21	20	2.6	2.6	NUM
ejif-4913	21	21	billion	billion	NUM
ejif-4913	21	22	dirham	dirham	NOUN
ejif-4913	21	23	a	a	DET
ejif-4913	21	24	year	year	NOUN
ejif-4913	21	25	earlier	early	ADV
ejif-4913	21	26	.	.	PUNCT
ejif-4913	22	1	however	however	ADV
ejif-4913	22	2	,	,	PUNCT
ejif-4913	22	3	the	the	DET
ejif-4913	22	4	total	total	ADJ
ejif-4913	22	5	net	net	ADJ
ejif-4913	22	6	result	result	NOUN
ejif-4913	22	7	remains	remain	VERB
ejif-4913	22	8	negative	negative	ADJ
ejif-4913	22	9	at	at	ADP
ejif-4913	22	10	-420	-420	PROPN
ejif-4913	22	11	million	million	NUM
ejif-4913	22	12	dirham	dirham	NOUN
ejif-4913	22	13	,	,	PUNCT
ejif-4913	22	14	mainly	mainly	ADV
ejif-4913	22	15	due	due	ADP
ejif-4913	22	16	to	to	ADP
ejif-4913	22	17	the	the	DET
ejif-4913	22	18	high	high	ADJ
ejif-4913	22	19	launching	launching	NOUN
ejif-4913	22	20	costs	cost	NOUN
ejif-4913	22	21	which	which	PRON
ejif-4913	22	22	consume	consume	VERB
ejif-4913	22	23	a	a	DET
ejif-4913	22	24	huge	huge	ADJ
ejif-4913	22	25	amount	amount	NOUN
ejif-4913	22	26	of	of	ADP
ejif-4913	22	27	their	their	PRON
ejif-4913	22	28	resources	resource	NOUN
ejif-4913	22	29	[	[	X
ejif-4913	22	30	3	3	NUM
ejif-4913	22	31	]	]	PUNCT
ejif-4913	22	32	.	.	PUNCT
ejif-4913	23	1	moreover	moreover	ADV
ejif-4913	23	2	,	,	PUNCT
ejif-4913	23	3	in	in	ADP
ejif-4913	23	4	these	these	DET
ejif-4913	23	5	exceptional	exceptional	ADJ
ejif-4913	23	6	circumstances	circumstance	NOUN
ejif-4913	23	7	relating	relate	VERB
ejif-4913	23	8	to	to	ADP
ejif-4913	23	9	covid-19	covid-19	PROPN
ejif-4913	23	10	,	,	PUNCT
ejif-4913	23	11	digital	digital	ADJ
ejif-4913	23	12	technology	technology	NOUN
ejif-4913	23	13	is	be	AUX
ejif-4913	23	14	taking	take	VERB
ejif-4913	23	15	an	an	DET
ejif-4913	23	16	important	important	ADJ
ejif-4913	23	17	place	place	NOUN
ejif-4913	23	18	in	in	ADP
ejif-4913	23	19	the	the	DET
ejif-4913	23	20	daily	daily	ADJ
ejif-4913	23	21	lives	life	NOUN
ejif-4913	23	22	of	of	ADP
ejif-4913	23	23	the	the	DET
ejif-4913	23	24	world	world	NOUN
ejif-4913	23	25	citizens	citizen	NOUN
ejif-4913	23	26	,	,	PUNCT
ejif-4913	23	27	especially	especially	ADV
ejif-4913	23	28	with	with	ADP
ejif-4913	23	29	the	the	DET
ejif-4913	23	30	increasing	increase	VERB
ejif-4913	23	31	number	number	NOUN
ejif-4913	23	32	of	of	ADP
ejif-4913	23	33	calls	call	NOUN
ejif-4913	23	34	by	by	ADP
ejif-4913	23	35	various	various	ADJ
ejif-4913	23	36	public	public	ADJ
ejif-4913	23	37	and	and	CCONJ
ejif-4913	23	38	private	private	ADJ
ejif-4913	23	39	institutions	institution	NOUN
ejif-4913	23	40	to	to	PART
ejif-4913	23	41	give	give	VERB
ejif-4913	23	42	priority	priority	NOUN
ejif-4913	23	43	to	to	ADP
ejif-4913	23	44	remote	remote	ADJ
ejif-4913	23	45	services	service	NOUN
ejif-4913	23	46	,	,	PUNCT
ejif-4913	23	47	to	to	PART
ejif-4913	23	48	achieve	achieve	VERB
ejif-4913	23	49	the	the	DET
ejif-4913	23	50	containment	containment	NOUN
ejif-4913	23	51	measure	measure	NOUN
ejif-4913	23	52	,	,	PUNCT
ejif-4913	23	53	considered	consider	VERB
ejif-4913	23	54	in	in	ADP
ejif-4913	23	55	the	the	DET
ejif-4913	23	56	absence	absence	NOUN
ejif-4913	23	57	of	of	ADP
ejif-4913	23	58	a	a	DET
ejif-4913	23	59	vaccine	vaccine	NOUN
ejif-4913	23	60	,	,	PUNCT
ejif-4913	23	61	as	as	ADP
ejif-4913	23	62	the	the	DET
ejif-4913	23	63	only	only	ADJ
ejif-4913	23	64	way	way	NOUN
ejif-4913	23	65	to	to	PART
ejif-4913	23	66	control	control	VERB
ejif-4913	23	67	the	the	DET
ejif-4913	23	68	spread	spread	NOUN
ejif-4913	23	69	of	of	ADP
ejif-4913	23	70	the	the	DET
ejif-4913	23	71	pandemic	pandemic	NOUN
ejif-4913	23	72	.	.	PUNCT
ejif-4913	24	1	according	accord	VERB
ejif-4913	24	2	to	to	ADP
ejif-4913	24	3	the	the	DET
ejif-4913	24	4	world	world	PROPN
ejif-4913	24	5	health	health	NOUN
ejif-4913	24	6	organization	organization	NOUN
ejif-4913	24	7	(	(	PUNCT
ejif-4913	24	8	who	who	PRON
ejif-4913	24	9	)	)	PUNCT
ejif-4913	24	10	,	,	PUNCT
ejif-4913	24	11	covid-19	covid-19	PROPN
ejif-4913	24	12	is	be	AUX
ejif-4913	24	13	the	the	DET
ejif-4913	24	14	first	first	ADJ
ejif-4913	24	15	pandemic	pandemic	NOUN
ejif-4913	24	16	in	in	ADP
ejif-4913	24	17	human	human	ADJ
ejif-4913	24	18	history	history	NOUN
ejif-4913	24	19	in	in	ADP
ejif-4913	24	20	which	which	PRON
ejif-4913	24	21	technology	technology	NOUN
ejif-4913	24	22	and	and	CCONJ
ejif-4913	24	23	social	social	ADJ
ejif-4913	24	24	networks	network	NOUN
ejif-4913	24	25	are	be	AUX
ejif-4913	24	26	being	be	AUX
ejif-4913	24	27	used	use	VERB
ejif-4913	24	28	on	on	ADP
ejif-4913	24	29	a	a	DET
ejif-4913	24	30	massive	massive	ADJ
ejif-4913	24	31	scale	scale	NOUN
ejif-4913	24	32	to	to	PART
ejif-4913	24	33	keep	keep	VERB
ejif-4913	24	34	people	people	NOUN
ejif-4913	24	35	safe	safe	ADJ
ejif-4913	24	36	,	,	PUNCT
ejif-4913	24	37	productive	productive	ADJ
ejif-4913	24	38	and	and	CCONJ
ejif-4913	24	39	connected	connect	VERB
ejif-4913	24	40	without	without	ADP
ejif-4913	24	41	being	be	AUX
ejif-4913	24	42	physically	physically	ADV
ejif-4913	24	43	in	in	ADP
ejif-4913	24	44	contact	contact	NOUN
ejif-4913	24	45	[	[	X
ejif-4913	24	46	4	4	NUM
ejif-4913	24	47	]	]	PUNCT
ejif-4913	24	48	.	.	PUNCT
ejif-4913	25	1	the	the	DET
ejif-4913	25	2	aim	aim	NOUN
ejif-4913	25	3	of	of	ADP
ejif-4913	25	4	this	this	DET
ejif-4913	25	5	article	article	NOUN
ejif-4913	25	6	is	be	AUX
ejif-4913	25	7	to	to	PART
ejif-4913	25	8	explore	explore	VERB
ejif-4913	25	9	and	and	CCONJ
ejif-4913	25	10	analyze	analyze	VERB
ejif-4913	25	11	the	the	DET
ejif-4913	25	12	opportunities	opportunity	NOUN
ejif-4913	25	13	offered	offer	VERB
ejif-4913	25	14	by	by	ADP
ejif-4913	25	15	the	the	DET
ejif-4913	25	16	digital	digital	ADJ
ejif-4913	25	17	transformation	transformation	NOUN
ejif-4913	25	18	of	of	ADP
ejif-4913	25	19	participatory	participatory	ADJ
ejif-4913	25	20	banking	banking	NOUN
ejif-4913	25	21	services	service	NOUN
ejif-4913	25	22	in	in	ADP
ejif-4913	25	23	morocco	morocco	PROPN
ejif-4913	25	24	.	.	PUNCT
ejif-4913	26	1	it	it	PRON
ejif-4913	26	2	is	be	AUX
ejif-4913	26	3	a	a	DET
ejif-4913	26	4	part	part	NOUN
ejif-4913	26	5	of	of	ADP
ejif-4913	26	6	the	the	DET
ejif-4913	26	7	approach	approach	NOUN
ejif-4913	26	8	to	to	PART
ejif-4913	26	9	propose	propose	VERB
ejif-4913	26	10	a	a	DET
ejif-4913	26	11	solution	solution	NOUN
ejif-4913	26	12	that	that	PRON
ejif-4913	26	13	can	can	AUX
ejif-4913	26	14	help	help	VERB
ejif-4913	26	15	the	the	DET
ejif-4913	26	16	actors	actor	NOUN
ejif-4913	26	17	of	of	ADP
ejif-4913	26	18	this	this	DET
ejif-4913	26	19	new	new	ADJ
ejif-4913	26	20	banking	banking	NOUN
ejif-4913	26	21	industry	industry	NOUN
ejif-4913	26	22	to	to	PART
ejif-4913	26	23	boost	boost	VERB
ejif-4913	26	24	their	their	PRON
ejif-4913	26	25	business	business	NOUN
ejif-4913	26	26	and	and	CCONJ
ejif-4913	26	27	overcome	overcome	VERB
ejif-4913	26	28	the	the	DET
ejif-4913	26	29	consequences	consequence	NOUN
ejif-4913	26	30	caused	cause	VERB
ejif-4913	26	31	by	by	ADP
ejif-4913	26	32	covid-19	covid-19	PROPN
ejif-4913	26	33	.	.	PUNCT
ejif-4913	27	1	to	to	PART
ejif-4913	27	2	achieve	achieve	VERB
ejif-4913	27	3	this	this	DET
ejif-4913	27	4	objective	objective	NOUN
ejif-4913	27	5	,	,	PUNCT
ejif-4913	27	6	the	the	DET
ejif-4913	27	7	methodology	methodology	NOUN
ejif-4913	27	8	adopted	adopt	VERB
ejif-4913	27	9	is	be	AUX
ejif-4913	27	10	double	double	ADJ
ejif-4913	27	11	:	:	PUNCT
ejif-4913	27	12	literature	literature	NOUN
ejif-4913	27	13	review	review	NOUN
ejif-4913	27	14	and	and	CCONJ
ejif-4913	27	15	opinion	opinion	NOUN
ejif-4913	27	16	survey	survey	NOUN
ejif-4913	27	17	.	.	PUNCT
ejif-4913	28	1	first	first	ADV
ejif-4913	28	2	,	,	PUNCT
ejif-4913	28	3	in	in	ADP
ejif-4913	28	4	the	the	DET
ejif-4913	28	5	form	form	NOUN
ejif-4913	28	6	of	of	ADP
ejif-4913	28	7	a	a	DET
ejif-4913	28	8	literature	literature	NOUN
ejif-4913	28	9	review	review	NOUN
ejif-4913	28	10	,	,	PUNCT
ejif-4913	28	11	we	we	PRON
ejif-4913	28	12	will	will	AUX
ejif-4913	28	13	analyze	analyze	VERB
ejif-4913	28	14	,	,	PUNCT
ejif-4913	28	15	in	in	ADP
ejif-4913	28	16	the	the	DET
ejif-4913	28	17	first	first	ADJ
ejif-4913	28	18	part	part	NOUN
ejif-4913	28	19	,	,	PUNCT
ejif-4913	28	20	the	the	DET
ejif-4913	28	21	evolution	evolution	NOUN
ejif-4913	28	22	of	of	ADP
ejif-4913	28	23	business	business	NOUN
ejif-4913	28	24	model	model	NOUN
ejif-4913	28	25	(	(	PUNCT
ejif-4913	28	26	bm	bm	PROPN
ejif-4913	28	27	)	)	PUNCT
ejif-4913	28	28	to	to	ADP
ejif-4913	28	29	electronic	electronic	ADJ
ejif-4913	28	30	business	business	NOUN
ejif-4913	28	31	model	model	NOUN
ejif-4913	28	32	(	(	PUNCT
ejif-4913	28	33	e	e	NOUN
ejif-4913	28	34	-	-	PROPN
ejif-4913	28	35	bm),as	bm),as	ADJ
ejif-4913	28	36	well	well	ADV
ejif-4913	28	37	as	as	ADP
ejif-4913	28	38	the	the	DET
ejif-4913	28	39	temporal	temporal	ADJ
ejif-4913	28	40	circumstances	circumstance	NOUN
ejif-4913	28	41	related	relate	VERB
ejif-4913	28	42	to	to	ADP
ejif-4913	28	43	this	this	DET
ejif-4913	28	44	change	change	NOUN
ejif-4913	28	45	.	.	PUNCT
ejif-4913	29	1	then	then	ADV
ejif-4913	29	2	,	,	PUNCT
ejif-4913	29	3	we	we	PRON
ejif-4913	29	4	will	will	AUX
ejif-4913	29	5	highlight	highlight	VERB
ejif-4913	29	6	the	the	DET
ejif-4913	29	7	evolution	evolution	NOUN
ejif-4913	29	8	of	of	ADP
ejif-4913	29	9	digital	digital	ADJ
ejif-4913	29	10	banking	banking	NOUN
ejif-4913	29	11	to	to	PART
ejif-4913	29	12	analyze	analyze	VERB
ejif-4913	29	13	the	the	DET
ejif-4913	29	14	achievements	achievement	NOUN
ejif-4913	29	15	,	,	PUNCT
ejif-4913	29	16	define	define	VERB
ejif-4913	29	17	the	the	DET
ejif-4913	29	18	areas	area	NOUN
ejif-4913	29	19	of	of	ADP
ejif-4913	29	20	risk	risk	NOUN
ejif-4913	29	21	and	and	CCONJ
ejif-4913	29	22	project	project	VERB
ejif-4913	29	23	ourselves	ourselves	PRON
ejif-4913	29	24	into	into	ADP
ejif-4913	29	25	the	the	DET
ejif-4913	29	26	future	future	ADJ
ejif-4913	29	27	challenges	challenge	NOUN
ejif-4913	29	28	related	relate	VERB
ejif-4913	29	29	to	to	ADP
ejif-4913	29	30	the	the	DET
ejif-4913	29	31	switch	switch	NOUN
ejif-4913	29	32	to	to	ADP
ejif-4913	29	33	a	a	DET
ejif-4913	29	34	digital	digital	ADJ
ejif-4913	29	35	bank	bank	NOUN
ejif-4913	29	36	.	.	PUNCT
ejif-4913	30	1	then	then	ADV
ejif-4913	30	2	,	,	PUNCT
ejif-4913	30	3	the	the	DET
ejif-4913	30	4	second	second	ADJ
ejif-4913	30	5	part	part	NOUN
ejif-4913	30	6	will	will	AUX
ejif-4913	30	7	be	be	AUX
ejif-4913	30	8	devoted	devote	VERB
ejif-4913	30	9	to	to	ADP
ejif-4913	30	10	providing	provide	VERB
ejif-4913	30	11	the	the	DET
ejif-4913	30	12	empirical	empirical	ADJ
ejif-4913	30	13	study	study	NOUN
ejif-4913	30	14	and	and	CCONJ
ejif-4913	30	15	the	the	DET
ejif-4913	30	16	presentation	presentation	NOUN
ejif-4913	30	17	of	of	ADP
ejif-4913	30	18	the	the	DET
ejif-4913	30	19	results	result	NOUN
ejif-4913	30	20	of	of	ADP
ejif-4913	30	21	the	the	DET
ejif-4913	30	22	opinion	opinion	NOUN
ejif-4913	30	23	survey	survey	NOUN
ejif-4913	30	24	that	that	SCONJ
ejif-4913	30	25	we	we	PRON
ejif-4913	30	26	conducted	conduct	VERB
ejif-4913	30	27	among	among	ADP
ejif-4913	30	28	moroccan	moroccan	ADJ
ejif-4913	30	29	citizens	citizen	NOUN
ejif-4913	30	30	.	.	PUNCT
ejif-4913	31	1	the	the	DET
ejif-4913	31	2	objective	objective	NOUN
ejif-4913	31	3	is	be	AUX
ejif-4913	31	4	to	to	PART
ejif-4913	31	5	explore	explore	VERB
ejif-4913	31	6	their	their	PRON
ejif-4913	31	7	perceptions	perception	NOUN
ejif-4913	31	8	regarding	regard	VERB
ejif-4913	31	9	the	the	DET
ejif-4913	31	10	eventual	eventual	ADJ
ejif-4913	31	11	switch	switch	NOUN
ejif-4913	31	12	to	to	ADP
ejif-4913	31	13	digital	digital	ADJ
ejif-4913	31	14	participatory	participatory	ADJ
ejif-4913	31	15	banking	banking	NOUN
ejif-4913	31	16	institutions	institution	NOUN
ejif-4913	31	17	.	.	PUNCT
ejif-4913	32	1	the	the	DET
ejif-4913	32	2	article	article	NOUN
ejif-4913	32	3	ends	end	VERB
ejif-4913	32	4	with	with	ADP
ejif-4913	32	5	a	a	DET
ejif-4913	32	6	discussion	discussion	NOUN
ejif-4913	32	7	of	of	ADP
ejif-4913	32	8	the	the	DET
ejif-4913	32	9	contributions	contribution	NOUN
ejif-4913	32	10	,	,	PUNCT
ejif-4913	32	11	challenges	challenge	NOUN
ejif-4913	32	12	and	and	CCONJ
ejif-4913	32	13	limitations	limitation	NOUN
ejif-4913	32	14	of	of	ADP
ejif-4913	32	15	the	the	DET
ejif-4913	32	16	study	study	NOUN
ejif-4913	32	17	.	.	PUNCT
ejif-4913	33	1	ii	ii	PROPN
ejif-4913	33	2	.	.	PUNCT
ejif-4913	34	1	literature	literature	PROPN
ejif-4913	34	2	review	review	PROPN
ejif-4913	34	3	:	:	PUNCT
ejif-4913	34	4	from	from	ADP
ejif-4913	34	5	business	business	NOUN
ejif-4913	34	6	model	model	NOUN
ejif-4913	34	7	to	to	ADP
ejif-4913	34	8	electronic	electronic	ADJ
ejif-4913	34	9	business	business	NOUN
ejif-4913	34	10	model	model	NOUN
ejif-4913	34	11	a.	a.	NOUN
ejif-4913	34	12	the	the	DET
ejif-4913	34	13	evolution	evolution	NOUN
ejif-4913	34	14	of	of	ADP
ejif-4913	34	15	the	the	DET
ejif-4913	34	16	business	business	NOUN
ejif-4913	34	17	model	model	NOUN
ejif-4913	34	18	concept	concept	NOUN
ejif-4913	34	19	desmarteau	desmarteau	NOUN
ejif-4913	34	20	and	and	CCONJ
ejif-4913	34	21	saives	saive	NOUN
ejif-4913	34	22	(	(	PUNCT
ejif-4913	34	23	2008	2008	NUM
ejif-4913	34	24	)	)	PUNCT
ejif-4913	34	25	locate	locate	VERB
ejif-4913	34	26	the	the	DET
ejif-4913	34	27	first	first	ADJ
ejif-4913	34	28	use	use	NOUN
ejif-4913	34	29	of	of	ADP
ejif-4913	34	30	the	the	DET
ejif-4913	34	31	term	term	NOUN
ejif-4913	34	32	"	"	PUNCT
ejif-4913	34	33	business	business	NOUN
ejif-4913	34	34	model	model	NOUN
ejif-4913	34	35	"	"	PUNCT
ejif-4913	34	36	in	in	ADP
ejif-4913	34	37	a	a	DET
ejif-4913	34	38	text	text	NOUN
ejif-4913	34	39	by	by	ADP
ejif-4913	34	40	bellman	bellman	NOUN
ejif-4913	34	41	in	in	ADP
ejif-4913	34	42	1957	1957	NUM
ejif-4913	34	43	where	where	SCONJ
ejif-4913	34	44	it	it	PRON
ejif-4913	34	45	corresponded	correspond	VERB
ejif-4913	34	46	to	to	ADP
ejif-4913	34	47	a	a	DET
ejif-4913	34	48	mathematical	mathematical	ADJ
ejif-4913	34	49	modeling	modeling	NOUN
ejif-4913	34	50	of	of	ADP
ejif-4913	34	51	revenue	revenue	NOUN
ejif-4913	34	52	sources	source	NOUN
ejif-4913	34	53	in	in	ADP
ejif-4913	34	54	the	the	DET
ejif-4913	34	55	context	context	NOUN
ejif-4913	34	56	of	of	ADP
ejif-4913	34	57	a	a	DET
ejif-4913	34	58	business	business	NOUN
ejif-4913	34	59	game[5	game[5	PROPN
ejif-4913	34	60	]	]	PUNCT
ejif-4913	34	61	.	.	PUNCT
ejif-4913	35	1	moreover	moreover	ADV
ejif-4913	35	2	,	,	PUNCT
ejif-4913	35	3	the	the	DET
ejif-4913	35	4	earliest	early	ADJ
ejif-4913	35	5	and	and	CCONJ
ejif-4913	35	6	most	most	ADV
ejif-4913	35	7	conclusive	conclusive	ADJ
ejif-4913	35	8	attempt	attempt	NOUN
ejif-4913	35	9	to	to	PART
ejif-4913	35	10	define	define	VERB
ejif-4913	35	11	the	the	DET
ejif-4913	35	12	concept	concept	NOUN
ejif-4913	35	13	of	of	ADP
ejif-4913	35	14	bm	bm	PROPN
ejif-4913	35	15	dates	date	VERB
ejif-4913	35	16	to	to	ADP
ejif-4913	35	17	1996	1996	NUM
ejif-4913	35	18	and	and	CCONJ
ejif-4913	35	19	is	be	AUX
ejif-4913	35	20	attributed	attribute	VERB
ejif-4913	35	21	to	to	ADP
ejif-4913	35	22	viscio	viscio	NOUN
ejif-4913	35	23	and	and	CCONJ
ejif-4913	35	24	pasternack[6	pasternack[6	NOUN
ejif-4913	35	25	]	]	PUNCT
ejif-4913	35	26	.	.	PUNCT
ejif-4913	36	1	in	in	ADP
ejif-4913	36	2	their	their	PRON
ejif-4913	36	3	definition	definition	NOUN
ejif-4913	36	4	,	,	PUNCT
ejif-4913	36	5	the	the	DET
ejif-4913	36	6	bm	bm	PROPN
ejif-4913	36	7	is	be	AUX
ejif-4913	36	8	made	make	VERB
ejif-4913	36	9	up	up	ADP
ejif-4913	36	10	of	of	ADP
ejif-4913	36	11	elements	element	NOUN
ejif-4913	36	12	internal	internal	ADJ
ejif-4913	36	13	and	and	CCONJ
ejif-4913	36	14	external	external	ADJ
ejif-4913	36	15	to	to	ADP
ejif-4913	36	16	the	the	DET
ejif-4913	36	17	company	company	NOUN
ejif-4913	36	18	with	with	ADP
ejif-4913	36	19	their	their	PRON
ejif-4913	36	20	expected	expect	VERB
ejif-4913	36	21	objective	objective	NOUN
ejif-4913	36	22	in	in	ADP
ejif-4913	36	23	terms	term	NOUN
ejif-4913	36	24	of	of	ADP
ejif-4913	36	25	performance	performance	NOUN
ejif-4913	36	26	.	.	PUNCT
ejif-4913	37	1	it	it	PRON
ejif-4913	37	2	is	be	AUX
ejif-4913	37	3	thus	thus	ADV
ejif-4913	37	4	composed	compose	VERB
ejif-4913	37	5	of	of	ADP
ejif-4913	37	6	five	five	NUM
ejif-4913	37	7	elements	element	NOUN
ejif-4913	37	8	forming	form	VERB
ejif-4913	37	9	a	a	DET
ejif-4913	37	10	value	value	NOUN
ejif-4913	37	11	system	system	NOUN
ejif-4913	37	12	whose	whose	DET
ejif-4913	37	13	overall	overall	ADJ
ejif-4913	37	14	value	value	NOUN
ejif-4913	37	15	exceeds	exceed	VERB
ejif-4913	37	16	the	the	DET
ejif-4913	37	17	sum	sum	NOUN
ejif-4913	37	18	of	of	ADP
ejif-4913	37	19	the	the	DET
ejif-4913	37	20	parts	part	NOUN
ejif-4913	37	21	:	:	PUNCT
ejif-4913	37	22	the	the	DET
ejif-4913	37	23	core	core	NOUN
ejif-4913	37	24	,	,	PUNCT
ejif-4913	37	25	business	business	NOUN
ejif-4913	37	26	units	unit	NOUN
ejif-4913	37	27	,	,	PUNCT
ejif-4913	37	28	service	service	NOUN
ejif-4913	37	29	delivery	delivery	NOUN
ejif-4913	37	30	,	,	PUNCT
ejif-4913	37	31	governance	governance	NOUN
ejif-4913	37	32	and	and	CCONJ
ejif-4913	37	33	linkages	linkage	NOUN
ejif-4913	37	34	.	.	PUNCT
ejif-4913	38	1	several	several	ADJ
ejif-4913	38	2	authors	author	NOUN
ejif-4913	38	3	have	have	AUX
ejif-4913	38	4	subsequently	subsequently	ADV
ejif-4913	38	5	expanded	expand	VERB
ejif-4913	38	6	this	this	DET
ejif-4913	38	7	conceptual	conceptual	ADJ
ejif-4913	38	8	vision	vision	NOUN
ejif-4913	38	9	of	of	ADP
ejif-4913	38	10	the	the	DET
ejif-4913	38	11	bm	bm	PROPN
ejif-4913	38	12	.	.	PUNCT
ejif-4913	39	1	according	accord	VERB
ejif-4913	39	2	to	to	ADP
ejif-4913	39	3	[	[	X
ejif-4913	39	4	7	7	NUM
ejif-4913	39	5	]	]	PUNCT
ejif-4913	39	6	,	,	PUNCT
ejif-4913	39	7	it	it	PRON
ejif-4913	39	8	is	be	AUX
ejif-4913	39	9	a	a	DET
ejif-4913	39	10	structure	structure	NOUN
ejif-4913	39	11	grouping	group	VERB
ejif-4913	39	12	together	together	ADP
ejif-4913	39	13	resources	resource	NOUN
ejif-4913	39	14	,	,	PUNCT
ejif-4913	39	15	products	product	NOUN
ejif-4913	39	16	,	,	PUNCT
ejif-4913	39	17	services	service	NOUN
ejif-4913	39	18	,	,	PUNCT
ejif-4913	39	19	potential	potential	ADJ
ejif-4913	39	20	benefits	benefit	NOUN
ejif-4913	39	21	on	on	ADP
ejif-4913	39	22	the	the	DET
ejif-4913	39	23	one	one	NUM
ejif-4913	39	24	hand	hand	NOUN
ejif-4913	39	25	,	,	PUNCT
ejif-4913	39	26	and	and	CCONJ
ejif-4913	39	27	the	the	DET
ejif-4913	39	28	different	different	ADJ
ejif-4913	39	29	actors	actor	NOUN
ejif-4913	39	30	and	and	CCONJ
ejif-4913	39	31	the	the	DET
ejif-4913	39	32	detailed	detailed	ADJ
ejif-4913	39	33	description	description	NOUN
ejif-4913	39	34	of	of	ADP
ejif-4913	39	35	their	their	PRON
ejif-4913	39	36	roles	role	NOUN
ejif-4913	39	37	in	in	ADP
ejif-4913	39	38	the	the	DET
ejif-4913	39	39	model	model	NOUN
ejif-4913	39	40	on	on	ADP
ejif-4913	39	41	the	the	DET
ejif-4913	39	42	other	other	ADJ
ejif-4913	39	43	.	.	PUNCT
ejif-4913	40	1	for	for	ADP
ejif-4913	40	2	[	[	X
ejif-4913	40	3	8	8	NUM
ejif-4913	40	4	]	]	PUNCT
ejif-4913	40	5	,	,	PUNCT
ejif-4913	40	6	the	the	DET
ejif-4913	40	7	bm	bm	PROPN
ejif-4913	40	8	reflects	reflect	VERB
ejif-4913	40	9	a	a	DET
ejif-4913	40	10	good	good	ADJ
ejif-4913	40	11	and	and	CCONJ
ejif-4913	40	12	tacit	tacit	ADJ
ejif-4913	40	13	understanding	understanding	NOUN
ejif-4913	40	14	of	of	ADP
ejif-4913	40	15	how	how	SCONJ
ejif-4913	40	16	all	all	DET
ejif-4913	40	17	components	component	NOUN
ejif-4913	40	18	of	of	ADP
ejif-4913	40	19	the	the	DET
ejif-4913	40	20	firm	firm	NOUN
ejif-4913	40	21	must	must	AUX
ejif-4913	40	22	act	act	VERB
ejif-4913	40	23	to	to	PART
ejif-4913	40	24	produce	produce	VERB
ejif-4913	40	25	and	and	CCONJ
ejif-4913	40	26	make	make	VERB
ejif-4913	40	27	profit	profit	NOUN
ejif-4913	40	28	loilier	loili	ADJ
ejif-4913	40	29	and	and	CCONJ
ejif-4913	40	30	tellier	tellier	PROPN
ejif-4913	40	31	(	(	PUNCT
ejif-4913	40	32	2011	2011	NUM
ejif-4913	40	33	)	)	PUNCT
ejif-4913	40	34	,	,	PUNCT
ejif-4913	40	35	for	for	ADP
ejif-4913	40	36	their	their	PRON
ejif-4913	40	37	part	part	NOUN
ejif-4913	40	38	,	,	PUNCT
ejif-4913	40	39	consider	consider	VERB
ejif-4913	40	40	that	that	SCONJ
ejif-4913	40	41	bm	bm	PROPN
ejif-4913	40	42	can	can	AUX
ejif-4913	40	43	be	be	AUX
ejif-4913	40	44	assimilated	assimilate	VERB
ejif-4913	40	45	to	to	ADP
ejif-4913	40	46	the	the	DET
ejif-4913	40	47	way	way	NOUN
ejif-4913	40	48	in	in	ADP
ejif-4913	40	49	which	which	PRON
ejif-4913	40	50	the	the	DET
ejif-4913	40	51	firm	firm	NOUN
ejif-4913	40	52	creates	create	VERB
ejif-4913	40	53	value[9].verstraete	value[9].verstraete	PROPN
ejif-4913	40	54	,	,	PUNCT
ejif-4913	40	55	krémer	krémer	NOUN
ejif-4913	40	56	,	,	PUNCT
ejif-4913	40	57	et	et	PROPN
ejif-4913	40	58	jouison	jouison	PROPN
ejif-4913	40	59	-	-	PUNCT
ejif-4913	40	60	laffitte	laffitte	PROPN
ejif-4913	40	61	(	(	PUNCT
ejif-4913	40	62	2012	2012	NUM
ejif-4913	40	63	)	)	PUNCT
ejif-4913	40	64	conclude	conclude	VERB
ejif-4913	40	65	that	that	SCONJ
ejif-4913	40	66	the	the	DET
ejif-4913	40	67	bm	bm	PROPN
ejif-4913	40	68	is	be	AUX
ejif-4913	40	69	an	an	DET
ejif-4913	40	70	agreement	agreement	NOUN
ejif-4913	40	71	,	,	PUNCT
ejif-4913	40	72	a	a	DET
ejif-4913	40	73	form	form	NOUN
ejif-4913	40	74	of	of	ADP
ejif-4913	40	75	collective	collective	ADJ
ejif-4913	40	76	representation	representation	NOUN
ejif-4913	40	77	or	or	CCONJ
ejif-4913	40	78	a	a	DET
ejif-4913	40	79	common	common	ADJ
ejif-4913	40	80	frame	frame	NOUN
ejif-4913	40	81	of	of	ADP
ejif-4913	40	82	reference	reference	NOUN
ejif-4913	40	83	of	of	ADP
ejif-4913	40	84	what	what	PRON
ejif-4913	40	85	business	business	NOUN
ejif-4913	40	86	is[9	is[9	NOUN
ejif-4913	40	87	]	]	PUNCT
ejif-4913	40	88	.	.	PUNCT
ejif-4913	41	1	thus	thus	ADV
ejif-4913	41	2	,	,	PUNCT
ejif-4913	41	3	to	to	PART
ejif-4913	41	4	accurately	accurately	ADV
ejif-4913	41	5	reflect	reflect	VERB
ejif-4913	41	6	this	this	DET
ejif-4913	41	7	agreement	agreement	NOUN
ejif-4913	41	8	,	,	PUNCT
ejif-4913	41	9	every	every	DET
ejif-4913	41	10	bm	bm	PROPN
ejif-4913	41	11	should	should	AUX
ejif-4913	41	12	have	have	VERB
ejif-4913	41	13	at	at	ADV
ejif-4913	41	14	least	least	ADV
ejif-4913	41	15	three	three	NUM
ejif-4913	41	16	generic	generic	ADJ
ejif-4913	41	17	components	component	NOUN
ejif-4913	41	18	:	:	PUNCT
ejif-4913	41	19	generating	generate	VERB
ejif-4913	41	20	market	market	NOUN
ejif-4913	41	21	-	-	PUNCT
ejif-4913	41	22	valued	value	VERB
ejif-4913	41	23	value	value	NOUN
ejif-4913	41	24	(	(	PUNCT
ejif-4913	41	25	which	which	PRON
ejif-4913	41	26	is	be	AUX
ejif-4913	41	27	what	what	PRON
ejif-4913	41	28	marketers	marketer	NOUN
ejif-4913	41	29	call	call	VERB
ejif-4913	41	30	supply	supply	NOUN
ejif-4913	41	31	)	)	PUNCT
ejif-4913	41	32	,	,	PUNCT
ejif-4913	41	33	paying	pay	VERB
ejif-4913	41	34	for	for	ADP
ejif-4913	41	35	that	that	DET
ejif-4913	41	36	value	value	NOUN
ejif-4913	41	37	,	,	PUNCT
ejif-4913	41	38	and	and	CCONJ
ejif-4913	41	39	sharing	share	VERB
ejif-4913	41	40	success	success	NOUN
ejif-4913	41	41	with	with	ADP
ejif-4913	41	42	the	the	DET
ejif-4913	41	43	value	value	NOUN
ejif-4913	41	44	network	network	NOUN
ejif-4913	41	45	,	,	PUNCT
ejif-4913	41	46	or	or	CCONJ
ejif-4913	41	47	stakeholders	stakeholder	NOUN
ejif-4913	41	48	in	in	ADP
ejif-4913	41	49	the	the	DET
ejif-4913	41	50	business	business	NOUN
ejif-4913	41	51	.	.	PUNCT
ejif-4913	42	1	for	for	ADP
ejif-4913	42	2	these	these	DET
ejif-4913	42	3	authors	author	NOUN
ejif-4913	42	4	,	,	PUNCT
ejif-4913	42	5	the	the	DET
ejif-4913	42	6	grp	grp	PROPN
ejif-4913	42	7	model	model	NOUN
ejif-4913	42	8	(	(	PUNCT
ejif-4913	42	9	generation	generation	NOUN
ejif-4913	42	10	,	,	PUNCT
ejif-4913	42	11	remuneration	remuneration	NOUN
ejif-4913	42	12	and	and	CCONJ
ejif-4913	42	13	sharing	sharing	NOUN
ejif-4913	42	14	)	)	PUNCT
ejif-4913	42	15	facilitates	facilitate	VERB
ejif-4913	42	16	the	the	DET
ejif-4913	42	17	determination	determination	NOUN
ejif-4913	42	18	of	of	ADP
ejif-4913	42	19	the	the	DET
ejif-4913	42	20	components	component	NOUN
ejif-4913	42	21	of	of	ADP
ejif-4913	42	22	a	a	DET
ejif-4913	42	23	bm	bm	PROPN
ejif-4913	42	24	and	and	CCONJ
ejif-4913	42	25	allows	allow	VERB
ejif-4913	42	26	the	the	DET
ejif-4913	42	27	different	different	ADJ
ejif-4913	42	28	stakeholders	stakeholder	NOUN
ejif-4913	42	29	to	to	PART
ejif-4913	42	30	imagine	imagine	VERB
ejif-4913	42	31	the	the	DET
ejif-4913	42	32	business	business	NOUN
ejif-4913	42	33	,	,	PUNCT
ejif-4913	42	34	to	to	PART
ejif-4913	42	35	analyze	analyze	VERB
ejif-4913	42	36	it	it	PRON
ejif-4913	42	37	and	and	CCONJ
ejif-4913	42	38	to	to	PART
ejif-4913	42	39	project	project	VERB
ejif-4913	42	40	themselves	themselves	PRON
ejif-4913	42	41	into	into	ADP
ejif-4913	42	42	it[6	it[6	NOUN
ejif-4913	42	43	]	]	PUNCT
ejif-4913	42	44	.	.	PUNCT
ejif-4913	43	1	overall	overall	ADV
ejif-4913	43	2	,	,	PUNCT
ejif-4913	43	3	the	the	DET
ejif-4913	43	4	bm	bm	PROPN
ejif-4913	43	5	concept	concept	NOUN
ejif-4913	43	6	is	be	AUX
ejif-4913	43	7	dynamic	dynamic	ADJ
ejif-4913	43	8	,	,	PUNCT
ejif-4913	43	9	evolutionary	evolutionary	ADJ
ejif-4913	43	10	and	and	CCONJ
ejif-4913	43	11	interactive	interactive	ADJ
ejif-4913	43	12	with	with	ADP
ejif-4913	43	13	the	the	DET
ejif-4913	43	14	environment	environment	NOUN
ejif-4913	43	15	in	in	ADP
ejif-4913	43	16	which	which	PRON
ejif-4913	43	17	the	the	DET
ejif-4913	43	18	firm	firm	NOUN
ejif-4913	43	19	operates	operate	VERB
ejif-4913	43	20	.	.	PUNCT
ejif-4913	44	1	it	it	PRON
ejif-4913	44	2	is	be	AUX
ejif-4913	44	3	constantly	constantly	ADV
ejif-4913	44	4	revised	revise	VERB
ejif-4913	44	5	and	and	CCONJ
ejif-4913	44	6	challenged	challenge	VERB
ejif-4913	44	7	by	by	ADP
ejif-4913	44	8	market	market	NOUN
ejif-4913	44	9	conditions	condition	NOUN
ejif-4913	44	10	,	,	PUNCT
ejif-4913	44	11	changing	change	VERB
ejif-4913	44	12	technologies	technology	NOUN
ejif-4913	44	13	,	,	PUNCT
ejif-4913	44	14	and	and	CCONJ
ejif-4913	44	15	the	the	DET
ejif-4913	44	16	efficiency	efficiency	NOUN
ejif-4913	44	17	of	of	ADP
ejif-4913	44	18	the	the	DET
ejif-4913	44	19	objectives	objective	NOUN
ejif-4913	44	20	achieved	achieve	VERB
ejif-4913	44	21	.	.	PUNCT
ejif-4913	45	1	b.	b.	PROPN
ejif-4913	46	1	the	the	DET
ejif-4913	46	2	transition	transition	NOUN
ejif-4913	46	3	from	from	ADP
ejif-4913	46	4	business	business	NOUN
ejif-4913	46	5	model	model	NOUN
ejif-4913	46	6	to	to	ADP
ejif-4913	46	7	electronic	electronic	ADJ
ejif-4913	46	8	business	business	NOUN
ejif-4913	46	9	model	model	NOUN
ejif-4913	46	10	with	with	ADP
ejif-4913	46	11	the	the	DET
ejif-4913	46	12	advent	advent	NOUN
ejif-4913	46	13	of	of	ADP
ejif-4913	46	14	start	start	NOUN
ejif-4913	46	15	-	-	PUNCT
ejif-4913	46	16	ups	up	NOUN
ejif-4913	46	17	in	in	ADP
ejif-4913	46	18	the	the	DET
ejif-4913	46	19	new	new	ADJ
ejif-4913	46	20	information	information	NOUN
ejif-4913	46	21	and	and	CCONJ
ejif-4913	46	22	communication	communication	NOUN
ejif-4913	46	23	technologies	technology	NOUN
ejif-4913	46	24	(	(	PUNCT
ejif-4913	46	25	nict	nict	NOUN
ejif-4913	46	26	)	)	PUNCT
ejif-4913	46	27	,	,	PUNCT
ejif-4913	46	28	the	the	DET
ejif-4913	46	29	expression	expression	NOUN
ejif-4913	46	30	bm	bm	PROPN
ejif-4913	46	31	has	have	AUX
ejif-4913	46	32	become	become	VERB
ejif-4913	46	33	a	a	DET
ejif-4913	46	34	buzzword	buzzword	NOUN
ejif-4913	46	35	[	[	X
ejif-4913	46	36	6	6	NUM
ejif-4913	46	37	]	]	PUNCT
ejif-4913	46	38	.	.	PUNCT
ejif-4913	47	1	while	while	SCONJ
ejif-4913	47	2	the	the	DET
ejif-4913	47	3	literature	literature	NOUN
ejif-4913	47	4	on	on	ADP
ejif-4913	47	5	bms	bms	PROPN
ejif-4913	47	6	only	only	ADV
ejif-4913	47	7	began	begin	VERB
ejif-4913	47	8	to	to	PART
ejif-4913	47	9	grow	grow	VERB
ejif-4913	47	10	in	in	ADP
ejif-4913	47	11	the	the	DET
ejif-4913	47	12	mid-1990s	mid-1990	NOUN
ejif-4913	47	13	,	,	PUNCT
ejif-4913	47	14	a	a	DET
ejif-4913	47	15	peak	peak	NOUN
ejif-4913	47	16	was	be	AUX
ejif-4913	47	17	reached	reach	VERB
ejif-4913	47	18	in	in	ADP
ejif-4913	47	19	2004	2004	NUM
ejif-4913	47	20	with	with	ADP
ejif-4913	47	21	114	114	NUM
ejif-4913	47	22	articles	article	NOUN
ejif-4913	47	23	,	,	PUNCT
ejif-4913	47	24	listed	list	VERB
ejif-4913	47	25	in	in	ADP
ejif-4913	47	26	the	the	DET
ejif-4913	47	27	ebsco	ebsco	PROPN
ejif-4913	47	28	database	database	PROPN
ejif-4913	47	29	,	,	PUNCT
ejif-4913	47	30	where	where	SCONJ
ejif-4913	47	31	the	the	DET
ejif-4913	47	32	word	word	NOUN
ejif-4913	47	33	bm	bm	PROPN
ejif-4913	47	34	appears	appear	VERB
ejif-4913	47	35	in	in	ADP
ejif-4913	47	36	the	the	DET
ejif-4913	47	37	abstract	abstract	ADJ
ejif-4913	47	38	[	[	X
ejif-4913	47	39	6	6	NUM
ejif-4913	47	40	]	]	PUNCT
ejif-4913	47	41	.	.	PUNCT
ejif-4913	48	1	this	this	DET
ejif-4913	48	2	growing	grow	VERB
ejif-4913	48	3	interest	interest	NOUN
ejif-4913	48	4	of	of	ADP
ejif-4913	48	5	researchers	researcher	NOUN
ejif-4913	48	6	in	in	ADP
ejif-4913	48	7	this	this	DET
ejif-4913	48	8	subject	subject	NOUN
ejif-4913	48	9	is	be	AUX
ejif-4913	48	10	concomitantly	concomitantly	ADV
ejif-4913	48	11	linked	link	VERB
ejif-4913	48	12	to	to	ADP
ejif-4913	48	13	the	the	DET
ejif-4913	48	14	bursting	bursting	NOUN
ejif-4913	48	15	of	of	ADP
ejif-4913	48	16	the	the	DET
ejif-4913	48	17	bubble	bubble	NOUN
ejif-4913	48	18	on	on	ADP
ejif-4913	48	19	technological	technological	ADJ
ejif-4913	48	20	values	value	NOUN
ejif-4913	48	21	in	in	ADP
ejif-4913	48	22	2000	2000	NUM
ejif-4913	48	23	.	.	PUNCT
ejif-4913	49	1	since	since	SCONJ
ejif-4913	49	2	then	then	ADV
ejif-4913	49	3	,	,	PUNCT
ejif-4913	49	4	the	the	DET
ejif-4913	49	5	literature	literature	NOUN
ejif-4913	49	6	related	relate	VERB
ejif-4913	49	7	to	to	ADP
ejif-4913	49	8	this	this	DET
ejif-4913	49	9	topic	topic	NOUN
ejif-4913	49	10	has	have	AUX
ejif-4913	49	11	evolved	evolve	VERB
ejif-4913	49	12	towards	towards	ADP
ejif-4913	49	13	the	the	DET
ejif-4913	49	14	increasing	increase	VERB
ejif-4913	49	15	use	use	NOUN
ejif-4913	49	16	of	of	ADP
ejif-4913	49	17	expressions	expression	NOUN
ejif-4913	49	18	such	such	ADJ
ejif-4913	49	19	as	as	ADP
ejif-4913	49	20	"	"	PUNCT
ejif-4913	49	21	new	new	ADJ
ejif-4913	49	22	business	business	NOUN
ejif-4913	49	23	model	model	NOUN
ejif-4913	49	24	"	"	PUNCT
ejif-4913	49	25	,	,	PUNCT
ejif-4913	49	26	"	"	PUNCT
ejif-4913	49	27	internet	internet	NOUN
ejif-4913	49	28	business	business	NOUN
ejif-4913	49	29	model	model	NOUN
ejif-4913	49	30	"	"	PUNCT
ejif-4913	49	31	,	,	PUNCT
ejif-4913	49	32	or	or	CCONJ
ejif-4913	49	33	"	"	PUNCT
ejif-4913	49	34	electronic	electronic	ADJ
ejif-4913	49	35	business	business	NOUN
ejif-4913	49	36	model	model	NOUN
ejif-4913	49	37	"	"	PUNCT
ejif-4913	49	38	(	(	PUNCT
ejif-4913	49	39	e	e	NOUN
ejif-4913	49	40	-	-	NOUN
ejif-4913	49	41	bm	bm	NOUN
ejif-4913	49	42	)	)	PUNCT
ejif-4913	49	43	.	.	PUNCT
ejif-4913	50	1	by	by	ADP
ejif-4913	50	2	analogy	analogy	NOUN
ejif-4913	50	3	,	,	PUNCT
ejif-4913	50	4	the	the	DET
ejif-4913	50	5	term	term	NOUN
ejif-4913	50	6	"	"	PUNCT
ejif-4913	50	7	electronic	electronic	ADJ
ejif-4913	50	8	business	business	NOUN
ejif-4913	50	9	model	model	NOUN
ejif-4913	50	10	"	"	PUNCT
ejif-4913	50	11	has	have	AUX
ejif-4913	50	12	emerged	emerge	VERB
ejif-4913	50	13	in	in	ADP
ejif-4913	50	14	the	the	DET
ejif-4913	50	15	literature	literature	NOUN
ejif-4913	50	16	to	to	PART
ejif-4913	50	17	describe	describe	VERB
ejif-4913	50	18	ebusiness	ebusiness	NOUN
ejif-4913	50	19	.	.	PUNCT
ejif-4913	51	1	a	a	DET
ejif-4913	51	2	concept	concept	NOUN
ejif-4913	51	3	derived	derive	VERB
ejif-4913	51	4	from	from	ADP
ejif-4913	51	5	that	that	PRON
ejif-4913	51	6	of	of	ADP
ejif-4913	51	7	bm	bm	PROPN
ejif-4913	51	8	,	,	PUNCT
ejif-4913	51	9	it	it	PRON
ejif-4913	51	10	is	be	AUX
ejif-4913	51	11	also	also	ADV
ejif-4913	51	12	difficult	difficult	ADJ
ejif-4913	51	13	to	to	PART
ejif-4913	51	14	define	define	VERB
ejif-4913	51	15	and	and	CCONJ
ejif-4913	51	16	can	can	AUX
ejif-4913	51	17	be	be	AUX
ejif-4913	51	18	understood	understand	VERB
ejif-4913	51	19	in	in	ADP
ejif-4913	51	20	different	different	ADJ
ejif-4913	51	21	ways	way	NOUN
ejif-4913	51	22	[	[	X
ejif-4913	51	23	8	8	NUM
ejif-4913	51	24	]	]	PUNCT
ejif-4913	51	25	.	.	PUNCT
ejif-4913	52	1	many	many	ADJ
ejif-4913	52	2	authors	author	NOUN
ejif-4913	52	3	(	(	PUNCT
ejif-4913	52	4	table	table	NOUN
ejif-4913	52	5	1	1	NUM
ejif-4913	52	6	)	)	PUNCT
ejif-4913	52	7	have	have	AUX
ejif-4913	52	8	tried	try	VERB
ejif-4913	52	9	to	to	PART
ejif-4913	52	10	define	define	VERB
ejif-4913	52	11	it	it	PRON
ejif-4913	52	12	using	use	VERB
ejif-4913	52	13	a	a	DET
ejif-4913	52	14	heuristic	heuristic	ADJ
ejif-4913	52	15	approach	approach	NOUN
ejif-4913	52	16	based	base	VERB
ejif-4913	52	17	on	on	ADP
ejif-4913	52	18	dimensions	dimension	NOUN
ejif-4913	52	19	they	they	PRON
ejif-4913	52	20	have	have	AUX
ejif-4913	52	21	observed	observe	VERB
ejif-4913	52	22	on	on	ADP
ejif-4913	52	23	the	the	DET
ejif-4913	52	24	market	market	NOUN
ejif-4913	52	25	:	:	PUNCT
ejif-4913	52	26	ejif	ejif	PROPN
ejif-4913	52	27	–	–	PUNCT
ejif-4913	52	28	european	european	PROPN
ejif-4913	52	29	journal	journal	PROPN
ejif-4913	52	30	of	of	ADP
ejif-4913	52	31	islamic	islamic	PROPN
ejif-4913	52	32	finance	finance	PROPN
ejif-4913	52	33	islamic	islamic	PROPN
ejif-4913	52	34	finance	finance	NOUN
ejif-4913	52	35	role	role	NOUN
ejif-4913	52	36	in	in	ADP
ejif-4913	52	37	the	the	DET
ejif-4913	52	38	time	time	NOUN
ejif-4913	52	39	of	of	ADP
ejif-4913	52	40	covid-19	covid-19	PROPN
ejif-4913	52	41	pandemic	pandemic	NOUN
ejif-4913	52	42	,	,	PUNCT
ejif-4913	52	43	no	no	DET
ejif-4913	52	44	16	16	NUM
ejif-4913	52	45	,	,	PUNCT
ejif-4913	52	46	december	december	PROPN
ejif-4913	52	47	(	(	PUNCT
ejif-4913	52	48	2020	2020	NUM
ejif-4913	52	49	)	)	PUNCT
ejif-4913	53	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4913	53	2	issn	issn	VERB
ejif-4913	53	3	2421	2421	NUM
ejif-4913	53	4	-	-	SYM
ejif-4913	53	5	2172	2172	NUM
ejif-4913	53	6	doi	doi	NOUN
ejif-4913	53	7	:	:	PUNCT
ejif-4913	53	8	10.13135/2421	10.13135/2421	NUM
ejif-4913	53	9	-	-	SYM
ejif-4913	53	10	2172/4913	2172/4913	NUM
ejif-4913	53	11	3	3	NUM
ejif-4913	53	12	table	table	NOUN
ejif-4913	53	13	i.	i.	NOUN
ejif-4913	53	14	examples	example	NOUN
ejif-4913	53	15	of	of	ADP
ejif-4913	53	16	e	e	PROPN
ejif-4913	53	17	-	-	PROPN
ejif-4913	53	18	bm	bm	ADJ
ejif-4913	53	19	classification	classification	NOUN
ejif-4913	53	20	dimensions	dimension	NOUN
ejif-4913	53	21	authors	author	NOUN
ejif-4913	53	22	dimensions	dimension	VERB
ejif-4913	53	23	timmers	timmer	NOUN
ejif-4913	53	24	(	(	PUNCT
ejif-4913	53	25	1998	1998	NUM
ejif-4913	53	26	)	)	PUNCT
ejif-4913	53	27	-level	-level	NOUN
ejif-4913	53	28	of	of	ADP
ejif-4913	53	29	functional	functional	ADJ
ejif-4913	53	30	integration	integration	NOUN
ejif-4913	53	31	(	(	PUNCT
ejif-4913	53	32	from	from	ADP
ejif-4913	53	33	a	a	DET
ejif-4913	53	34	single	single	ADJ
ejif-4913	53	35	function	function	NOUN
ejif-4913	53	36	to	to	ADP
ejif-4913	53	37	multiple	multiple	ADJ
ejif-4913	53	38	functions	function	NOUN
ejif-4913	53	39	)	)	PUNCT
ejif-4913	53	40	;	;	PUNCT
ejif-4913	53	41	-degree	-degree	NOUN
ejif-4913	53	42	of	of	ADP
ejif-4913	53	43	technological	technological	ADJ
ejif-4913	53	44	innovation	innovation	NOUN
ejif-4913	53	45	and	and	CCONJ
ejif-4913	53	46	its	its	PRON
ejif-4913	53	47	impact	impact	NOUN
ejif-4913	53	48	on	on	ADP
ejif-4913	53	49	the	the	DET
ejif-4913	53	50	value	value	NOUN
ejif-4913	53	51	chain	chain	NOUN
ejif-4913	53	52	.	.	PUNCT
ejif-4913	54	1	applegate	applegate	PROPN
ejif-4913	54	2	(	(	PUNCT
ejif-4913	54	3	2001	2001	NUM
ejif-4913	54	4	)	)	PUNCT
ejif-4913	54	5	-market	-market	NOUN
ejif-4913	54	6	structure	structure	NOUN
ejif-4913	54	7	;	;	PUNCT
ejif-4913	54	8	-target	-target	NOUN
ejif-4913	54	9	market	market	NOUN
ejif-4913	54	10	(	(	PUNCT
ejif-4913	54	11	business	business	NOUN
ejif-4913	54	12	to	to	ADP
ejif-4913	54	13	business	business	NOUN
ejif-4913	54	14	or	or	CCONJ
ejif-4913	54	15	business	business	NOUN
ejif-4913	54	16	to	to	ADP
ejif-4913	54	17	customer	customer	NOUN
ejif-4913	54	18	)	)	PUNCT
ejif-4913	54	19	.	.	PUNCT
ejif-4913	55	1	mahadevan	mahadevan	PROPN
ejif-4913	55	2	(	(	PUNCT
ejif-4913	55	3	2000	2000	NUM
ejif-4913	55	4	)	)	PUNCT
ejif-4913	55	5	-the	-the	DET
ejif-4913	55	6	sources	source	NOUN
ejif-4913	55	7	of	of	ADP
ejif-4913	55	8	differentiation	differentiation	NOUN
ejif-4913	55	9	(	(	PUNCT
ejif-4913	55	10	online	online	ADJ
ejif-4913	55	11	sales	sale	NOUN
ejif-4913	55	12	,	,	PUNCT
ejif-4913	55	13	products	product	NOUN
ejif-4913	55	14	offered	offer	VERB
ejif-4913	55	15	and	and	CCONJ
ejif-4913	55	16	level	level	NOUN
ejif-4913	55	17	of	of	ADP
ejif-4913	55	18	personalization	personalization	NOUN
ejif-4913	55	19	,	,	PUNCT
ejif-4913	55	20	etc	etc	X
ejif-4913	55	21	.	.	X
ejif-4913	55	22	)	)	PUNCT
ejif-4913	55	23	;	;	PUNCT
ejif-4913	56	1	-sources	-source	NOUN
ejif-4913	56	2	of	of	ADP
ejif-4913	56	3	income	income	NOUN
ejif-4913	56	4	;	;	PUNCT
ejif-4913	56	5	-the	-the	DET
ejif-4913	56	6	costs	cost	NOUN
ejif-4913	56	7	incurred	incur	VERB
ejif-4913	56	8	.	.	PUNCT
ejif-4913	57	1	novak	novak	PROPN
ejif-4913	57	2	and	and	CCONJ
ejif-4913	57	3	hoffman	hoffman	PROPN
ejif-4913	57	4	(	(	PUNCT
ejif-4913	57	5	2001	2001	NUM
ejif-4913	57	6	)	)	PUNCT
ejif-4913	57	7	-income	-income	PROPN
ejif-4913	57	8	models	model	NOUN
ejif-4913	57	9	;	;	PUNCT
ejif-4913	57	10	-value	-value	ADJ
ejif-4913	57	11	models	model	NOUN
ejif-4913	57	12	to	to	ADP
ejif-4913	57	13	customers	customer	NOUN
ejif-4913	57	14	.	.	PUNCT
ejif-4913	58	1	source	source	NOUN
ejif-4913	58	2	:	:	PUNCT
ejif-4913	58	3	arlotto	arlotto	ADJ
ejif-4913	58	4	,	,	PUNCT
ejif-4913	58	5	sahut	sahut	VERB
ejif-4913	58	6	,	,	PUNCT
ejif-4913	58	7	and	and	CCONJ
ejif-4913	58	8	teulon	teulon	NOUN
ejif-4913	58	9	,	,	PUNCT
ejif-4913	58	10	2011	2011	NUM
ejif-4913	58	11	these	these	DET
ejif-4913	58	12	dimensions	dimension	NOUN
ejif-4913	58	13	were	be	AUX
ejif-4913	58	14	followed	follow	VERB
ejif-4913	58	15	by	by	ADP
ejif-4913	58	16	another	another	DET
ejif-4913	58	17	step	step	NOUN
ejif-4913	58	18	in	in	ADP
ejif-4913	58	19	the	the	DET
ejif-4913	58	20	literature	literature	NOUN
ejif-4913	58	21	of	of	ADP
ejif-4913	58	22	describing	describe	VERB
ejif-4913	58	23	the	the	DET
ejif-4913	58	24	elements	element	NOUN
ejif-4913	58	25	of	of	ADP
ejif-4913	58	26	bm	bm	PROPN
ejif-4913	58	27	rather	rather	ADV
ejif-4913	58	28	than	than	ADP
ejif-4913	58	29	listing	list	VERB
ejif-4913	58	30	its	its	PRON
ejif-4913	58	31	components	component	NOUN
ejif-4913	58	32	or	or	CCONJ
ejif-4913	58	33	identifying	identify	VERB
ejif-4913	58	34	different	different	ADJ
ejif-4913	58	35	models	model	NOUN
ejif-4913	58	36	of	of	ADP
ejif-4913	58	37	value	value	NOUN
ejif-4913	58	38	.	.	PUNCT
ejif-4913	59	1	in	in	ADP
ejif-4913	59	2	particular	particular	ADJ
ejif-4913	59	3	,	,	PUNCT
ejif-4913	59	4	for	for	ADP
ejif-4913	59	5	weill	weill	NOUN
ejif-4913	59	6	and	and	CCONJ
ejif-4913	59	7	woerner	woerner	NOUN
ejif-4913	59	8	(	(	PUNCT
ejif-4913	59	9	2013	2013	NUM
ejif-4913	59	10	)	)	PUNCT
ejif-4913	59	11	,	,	PUNCT
ejif-4913	59	12	e	e	X
ejif-4913	59	13	-	-	NOUN
ejif-4913	59	14	business	business	NOUN
ejif-4913	59	15	dimensions	dimension	NOUN
ejif-4913	59	16	consist	consist	VERB
ejif-4913	59	17	of	of	ADP
ejif-4913	59	18	content	content	NOUN
ejif-4913	59	19	,	,	PUNCT
ejif-4913	59	20	experience	experience	NOUN
ejif-4913	59	21	and	and	CCONJ
ejif-4913	59	22	platform	platform	NOUN
ejif-4913	59	23	[	[	X
ejif-4913	59	24	10	10	NUM
ejif-4913	59	25	]	]	PUNCT
ejif-4913	59	26	:	:	PUNCT
ejif-4913	59	27			X
ejif-4913	59	28	content	content	NOUN
ejif-4913	59	29	(	(	PUNCT
ejif-4913	59	30	what	what	PRON
ejif-4913	59	31	is	be	AUX
ejif-4913	59	32	consumed	consume	VERB
ejif-4913	59	33	?	?	PUNCT
ejif-4913	59	34	):	):	PUNCT
ejif-4913	59	35	product	product	NOUN
ejif-4913	59	36	information	information	NOUN
ejif-4913	59	37	,	,	PUNCT
ejif-4913	59	38	price	price	NOUN
ejif-4913	59	39	and	and	CCONJ
ejif-4913	59	40	use	use	VERB
ejif-4913	59	41	details	detail	NOUN
ejif-4913	59	42	,	,	PUNCT
ejif-4913	59	43	etc	etc	X
ejif-4913	59	44	.	.	X
ejif-4913	59	45	;	;	PUNCT
ejif-4913	59	46	digital	digital	ADJ
ejif-4913	59	47	products	product	NOUN
ejif-4913	59	48	,	,	PUNCT
ejif-4913	59	49	such	such	ADJ
ejif-4913	59	50	as	as	ADP
ejif-4913	59	51	ebooks	ebook	NOUN
ejif-4913	59	52	,	,	PUNCT
ejif-4913	59	53	e	e	ADJ
ejif-4913	59	54	-	-	ADJ
ejif-4913	59	55	saver	saver	ADJ
ejif-4913	59	56	accounts	account	NOUN
ejif-4913	59	57	,	,	PUNCT
ejif-4913	59	58	movies	movie	NOUN
ejif-4913	59	59	,	,	PUNCT
ejif-4913	59	60	software	software	NOUN
ejif-4913	59	61	.	.	PUNCT
ejif-4913	60	1			NOUN
ejif-4913	60	2	experience	experience	NOUN
ejif-4913	60	3	(	(	PUNCT
ejif-4913	60	4	how	how	SCONJ
ejif-4913	60	5	is	be	AUX
ejif-4913	60	6	it	it	PRON
ejif-4913	60	7	packaged	package	VERB
ejif-4913	60	8	?	?	PUNCT
ejif-4913	60	9	):	):	PUNCT
ejif-4913	60	10	experience	experience	NOUN
ejif-4913	60	11	can	can	AUX
ejif-4913	60	12	include	include	VERB
ejif-4913	60	13	customer	customer	NOUN
ejif-4913	60	14	-	-	PUNCT
ejif-4913	60	15	facing	face	VERB
ejif-4913	60	16	digitized	digitize	VERB
ejif-4913	60	17	business	business	NOUN
ejif-4913	60	18	processes	process	NOUN
ejif-4913	60	19	,	,	PUNCT
ejif-4913	60	20	community	community	NOUN
ejif-4913	60	21	and	and	CCONJ
ejif-4913	60	22	customer	customer	NOUN
ejif-4913	60	23	input	input	NOUN
ejif-4913	60	24	,	,	PUNCT
ejif-4913	60	25	expertise	expertise	NOUN
ejif-4913	60	26	for	for	ADP
ejif-4913	60	27	informed	informed	ADJ
ejif-4913	60	28	decision	decision	NOUN
ejif-4913	60	29	making	making	NOUN
ejif-4913	60	30	,	,	PUNCT
ejif-4913	60	31	recommendations	recommendation	NOUN
ejif-4913	60	32	,	,	PUNCT
ejif-4913	60	33	tools	tool	NOUN
ejif-4913	60	34	and	and	CCONJ
ejif-4913	60	35	interface	interface	NOUN
ejif-4913	60	36	.	.	PUNCT
ejif-4913	61	1			PRON
ejif-4913	61	2	platform	platform	NOUN
ejif-4913	61	3	(	(	PUNCT
ejif-4913	61	4	how	how	SCONJ
ejif-4913	61	5	is	be	AUX
ejif-4913	61	6	it	it	PRON
ejif-4913	61	7	delivered	deliver	VERB
ejif-4913	61	8	?	?	PUNCT
ejif-4913	61	9	):	):	PUNCT
ejif-4913	61	10	other	other	ADJ
ejif-4913	61	11	business	business	NOUN
ejif-4913	61	12	processes	process	NOUN
ejif-4913	61	13	,	,	PUNCT
ejif-4913	61	14	customer	customer	NOUN
ejif-4913	61	15	data	datum	NOUN
ejif-4913	61	16	,	,	PUNCT
ejif-4913	61	17	technology	technology	NOUN
ejif-4913	61	18	;	;	PUNCT
ejif-4913	61	19	proprietary	proprietary	ADJ
ejif-4913	61	20	hardware	hardware	NOUN
ejif-4913	61	21	,	,	PUNCT
ejif-4913	61	22	public	public	ADJ
ejif-4913	61	23	networks	network	NOUN
ejif-4913	61	24	,	,	PUNCT
ejif-4913	61	25	partners	partner	NOUN
ejif-4913	61	26	.	.	PUNCT
ejif-4913	62	1	customer	customer	NOUN
ejif-4913	62	2	experience	experience	NOUN
ejif-4913	62	3	is	be	AUX
ejif-4913	62	4	therefore	therefore	ADV
ejif-4913	62	5	a	a	DET
ejif-4913	62	6	fundamental	fundamental	ADJ
ejif-4913	62	7	part	part	NOUN
ejif-4913	62	8	of	of	ADP
ejif-4913	62	9	bm’sevolution	bm’sevolution	NOUN
ejif-4913	62	10	[	[	X
ejif-4913	62	11	11	11	NUM
ejif-4913	62	12	]	]	PUNCT
ejif-4913	62	13	.	.	PUNCT
ejif-4913	63	1	the	the	DET
ejif-4913	63	2	platform	platform	NOUN
ejif-4913	63	3	generally	generally	ADV
ejif-4913	63	4	deployed	deploy	VERB
ejif-4913	63	5	as	as	ADP
ejif-4913	63	6	a	a	DET
ejif-4913	63	7	digital	digital	ADJ
ejif-4913	63	8	artifact	artifact	NOUN
ejif-4913	63	9	makes	make	VERB
ejif-4913	63	10	it	it	PRON
ejif-4913	63	11	possible	possible	ADJ
ejif-4913	63	12	to	to	PART
ejif-4913	63	13	study	study	VERB
ejif-4913	63	14	user	user	NOUN
ejif-4913	63	15	behavior	behavior	NOUN
ejif-4913	63	16	.	.	PUNCT
ejif-4913	64	1	in	in	ADP
ejif-4913	64	2	this	this	DET
ejif-4913	64	3	context	context	NOUN
ejif-4913	64	4	,	,	PUNCT
ejif-4913	64	5	it	it	PRON
ejif-4913	64	6	is	be	AUX
ejif-4913	64	7	necessary	necessary	ADJ
ejif-4913	64	8	to	to	PART
ejif-4913	64	9	rethink	rethink	VERB
ejif-4913	64	10	the	the	DET
ejif-4913	64	11	business	business	NOUN
ejif-4913	64	12	model	model	NOUN
ejif-4913	64	13	of	of	ADP
ejif-4913	64	14	the	the	DET
ejif-4913	64	15	organization	organization	NOUN
ejif-4913	64	16	to	to	PART
ejif-4913	64	17	adapt	adapt	VERB
ejif-4913	64	18	to	to	ADP
ejif-4913	64	19	new	new	ADJ
ejif-4913	64	20	digital	digital	ADJ
ejif-4913	64	21	uses	use	NOUN
ejif-4913	64	22	of	of	ADP
ejif-4913	64	23	customers	customer	NOUN
ejif-4913	64	24	and	and	CCONJ
ejif-4913	64	25	employees[12	employees[12	PROPN
ejif-4913	64	26	]	]	PUNCT
ejif-4913	64	27	.	.	PUNCT
ejif-4913	65	1	companies	company	NOUN
ejif-4913	65	2	are	be	AUX
ejif-4913	65	3	therefore	therefore	ADV
ejif-4913	65	4	invited	invite	VERB
ejif-4913	65	5	to	to	PART
ejif-4913	65	6	rethink	rethink	VERB
ejif-4913	65	7	their	their	PRON
ejif-4913	65	8	processes	process	NOUN
ejif-4913	65	9	and	and	CCONJ
ejif-4913	65	10	how	how	SCONJ
ejif-4913	65	11	they	they	PRON
ejif-4913	65	12	interact	interact	VERB
ejif-4913	65	13	with	with	ADP
ejif-4913	65	14	their	their	PRON
ejif-4913	65	15	stakeholders	stakeholder	NOUN
ejif-4913	65	16	.	.	PUNCT
ejif-4913	66	1	moreover	moreover	ADV
ejif-4913	66	2	,	,	PUNCT
ejif-4913	66	3	the	the	DET
ejif-4913	66	4	digitalization	digitalization	NOUN
ejif-4913	66	5	speeds	speed	VERB
ejif-4913	66	6	up	up	ADP
ejif-4913	66	7	decision	decision	NOUN
ejif-4913	66	8	-	-	PUNCT
ejif-4913	66	9	making	making	NOUN
ejif-4913	66	10	as	as	ADV
ejif-4913	66	11	well	well	ADV
ejif-4913	66	12	than	than	ADP
ejif-4913	66	13	information	information	NOUN
ejif-4913	66	14	overload	overload	NOUN
ejif-4913	66	15	.	.	PUNCT
ejif-4913	67	1	the	the	DET
ejif-4913	67	2	client	client	NOUN
ejif-4913	67	3	"	"	PUNCT
ejif-4913	67	4	experience	experience	NOUN
ejif-4913	67	5	block	block	NOUN
ejif-4913	67	6	"	"	PUNCT
ejif-4913	67	7	is	be	AUX
ejif-4913	67	8	subdivided	subdivide	VERB
ejif-4913	67	9	into	into	ADP
ejif-4913	67	10	three	three	NUM
ejif-4913	67	11	sub	sub	NOUN
ejif-4913	67	12	-	-	NOUN
ejif-4913	67	13	blocks	block	NOUN
ejif-4913	67	14	.	.	PUNCT
ejif-4913	68	1	the	the	DET
ejif-4913	68	2	first	first	ADJ
ejif-4913	68	3	block	block	NOUN
ejif-4913	68	4	is	be	AUX
ejif-4913	68	5	understanding	understand	VERB
ejif-4913	68	6	the	the	DET
ejif-4913	68	7	customer	customer	NOUN
ejif-4913	68	8	thanks	thank	NOUN
ejif-4913	68	9	to	to	ADP
ejif-4913	68	10	an	an	DET
ejif-4913	68	11	authorized	authorized	ADJ
ejif-4913	68	12	proximity	proximity	NOUN
ejif-4913	68	13	through	through	ADP
ejif-4913	68	14	social	social	ADJ
ejif-4913	68	15	media	medium	NOUN
ejif-4913	68	16	and	and	CCONJ
ejif-4913	68	17	feedback	feedback	NOUN
ejif-4913	68	18	from	from	ADP
ejif-4913	68	19	the	the	DET
ejif-4913	68	20	big	big	ADJ
ejif-4913	68	21	data	datum	NOUN
ejif-4913	68	22	[	[	X
ejif-4913	68	23	13	13	NUM
ejif-4913	68	24	]	]	PUNCT
ejif-4913	68	25	.	.	PUNCT
ejif-4913	69	1	these	these	DET
ejif-4913	69	2	data	datum	NOUN
ejif-4913	69	3	allow	allow	VERB
ejif-4913	69	4	to	to	PART
ejif-4913	69	5	better	well	ADV
ejif-4913	69	6	know	know	VERB
ejif-4913	69	7	the	the	DET
ejif-4913	69	8	customer	customer	NOUN
ejif-4913	69	9	,	,	PUNCT
ejif-4913	69	10	his	his	PRON
ejif-4913	69	11	environment	environment	NOUN
ejif-4913	69	12	,	,	PUNCT
ejif-4913	69	13	its	its	PRON
ejif-4913	69	14	location	location	NOUN
ejif-4913	69	15	,	,	PUNCT
ejif-4913	69	16	the	the	DET
ejif-4913	69	17	segment	segment	NOUN
ejif-4913	69	18	to	to	PART
ejif-4913	69	19	which	which	PRON
ejif-4913	69	20	it	it	PRON
ejif-4913	69	21	belongs	belong	VERB
ejif-4913	69	22	and	and	CCONJ
ejif-4913	69	23	its	its	PRON
ejif-4913	69	24	satisfaction	satisfaction	NOUN
ejif-4913	69	25	level	level	NOUN
ejif-4913	69	26	regarding	regard	VERB
ejif-4913	69	27	the	the	DET
ejif-4913	69	28	company	company	NOUN
ejif-4913	69	29	services	service	NOUN
ejif-4913	69	30	or	or	CCONJ
ejif-4913	69	31	products	product	NOUN
ejif-4913	69	32	.	.	PUNCT
ejif-4913	70	1	then	then	ADV
ejif-4913	70	2	,	,	PUNCT
ejif-4913	70	3	comes	come	VERB
ejif-4913	70	4	the	the	DET
ejif-4913	70	5	potential	potential	ADJ
ejif-4913	70	6	block	block	NOUN
ejif-4913	70	7	of	of	ADP
ejif-4913	70	8	growth	growth	NOUN
ejif-4913	70	9	.	.	PUNCT
ejif-4913	71	1	it	it	PRON
ejif-4913	71	2	is	be	AUX
ejif-4913	71	3	developed	develop	VERB
ejif-4913	71	4	through	through	ADP
ejif-4913	71	5	digital	digital	ADJ
ejif-4913	71	6	tools	tool	NOUN
ejif-4913	71	7	such	such	ADJ
ejif-4913	71	8	as	as	ADP
ejif-4913	71	9	tablets	tablet	NOUN
ejif-4913	71	10	that	that	PRON
ejif-4913	71	11	allow	allow	VERB
ejif-4913	71	12	signatures	signature	NOUN
ejif-4913	71	13	of	of	ADP
ejif-4913	71	14	official	official	ADJ
ejif-4913	71	15	acts	act	NOUN
ejif-4913	71	16	and	and	CCONJ
ejif-4913	71	17	then	then	ADV
ejif-4913	71	18	store	store	VERB
ejif-4913	71	19	the	the	DET
ejif-4913	71	20	document	document	NOUN
ejif-4913	71	21	in	in	ADP
ejif-4913	71	22	the	the	DET
ejif-4913	71	23	corporate	corporate	ADJ
ejif-4913	71	24	cloud	cloud	NOUN
ejif-4913	71	25	.	.	PUNCT
ejif-4913	72	1	the	the	DET
ejif-4913	72	2	customer	customer	NOUN
ejif-4913	72	3	accesses	access	VERB
ejif-4913	72	4	easily	easily	ADV
ejif-4913	72	5	and	and	CCONJ
ejif-4913	72	6	at	at	ADP
ejif-4913	72	7	will	will	NOUN
ejif-4913	72	8	to	to	ADP
ejif-4913	72	9	this	this	DET
ejif-4913	72	10	digital	digital	ADJ
ejif-4913	72	11	document	document	NOUN
ejif-4913	72	12	in	in	ADP
ejif-4913	72	13	its	its	PRON
ejif-4913	72	14	private	private	ADJ
ejif-4913	72	15	and	and	CCONJ
ejif-4913	72	16	secure	secure	ADJ
ejif-4913	72	17	space	space	NOUN
ejif-4913	72	18	.	.	PUNCT
ejif-4913	73	1	the	the	DET
ejif-4913	73	2	tools	tool	NOUN
ejif-4913	73	3	crm	crm	VERB
ejif-4913	73	4	1	1	NUM
ejif-4913	73	5	type	type	NOUN
ejif-4913	73	6	facilitate	facilitate	NOUN
ejif-4913	73	7	the	the	DET
ejif-4913	73	8	centralization	centralization	NOUN
ejif-4913	73	9	of	of	ADP
ejif-4913	73	10	information	information	NOUN
ejif-4913	73	11	customers	customer	NOUN
ejif-4913	73	12	and	and	CCONJ
ejif-4913	73	13	serve	serve	VERB
ejif-4913	73	14	as	as	ADP
ejif-4913	73	15	a	a	DET
ejif-4913	73	16	1customer	1customer	NUM
ejif-4913	73	17	relationship	relationship	NOUN
ejif-4913	73	18	management	management	NOUN
ejif-4913	73	19	.	.	PUNCT
ejif-4913	74	1	privileged	privileged	ADJ
ejif-4913	74	2	internal	internal	ADJ
ejif-4913	74	3	and	and	CCONJ
ejif-4913	74	4	external	external	ADJ
ejif-4913	74	5	communication	communication	NOUN
ejif-4913	74	6	channel	channel	NOUN
ejif-4913	74	7	while	while	SCONJ
ejif-4913	74	8	ensuring	ensure	VERB
ejif-4913	74	9	the	the	DET
ejif-4913	74	10	traceability	traceability	NOUN
ejif-4913	74	11	of	of	ADP
ejif-4913	74	12	requests	request	NOUN
ejif-4913	74	13	[	[	X
ejif-4913	74	14	14	14	NUM
ejif-4913	74	15	]	]	PUNCT
ejif-4913	74	16	.	.	PUNCT
ejif-4913	75	1	finally	finally	ADV
ejif-4913	75	2	,	,	PUNCT
ejif-4913	75	3	the	the	DET
ejif-4913	75	4	third	third	ADJ
ejif-4913	75	5	block	block	NOUN
ejif-4913	75	6	announced	announce	VERB
ejif-4913	75	7	by	by	ADP
ejif-4913	75	8	davenport	davenport	PROPN
ejif-4913	75	9	et	et	PROPN
ejif-4913	75	10	al	al	PROPN
ejif-4913	75	11	.	.	PROPN
ejif-4913	76	1	(	(	PUNCT
ejif-4913	76	2	2012	2012	NUM
ejif-4913	76	3	)	)	PUNCT
ejif-4913	76	4	concerns	concern	NOUN
ejif-4913	76	5	interoperability	interoperability	NOUN
ejif-4913	76	6	with	with	ADP
ejif-4913	76	7	social	social	ADJ
ejif-4913	76	8	networks	network	NOUN
ejif-4913	76	9	.	.	PUNCT
ejif-4913	77	1	they	they	PRON
ejif-4913	77	2	initiate	initiate	VERB
ejif-4913	77	3	a	a	DET
ejif-4913	77	4	connection	connection	NOUN
ejif-4913	77	5	of	of	ADP
ejif-4913	77	6	internal	internal	ADJ
ejif-4913	77	7	company	company	NOUN
ejif-4913	77	8	data	datum	NOUN
ejif-4913	77	9	and	and	CCONJ
ejif-4913	77	10	external	external	ADJ
ejif-4913	77	11	customer	customer	NOUN
ejif-4913	77	12	data	datum	NOUN
ejif-4913	77	13	[	[	X
ejif-4913	77	14	15	15	NUM
ejif-4913	77	15	]	]	PUNCT
ejif-4913	77	16	.	.	PUNCT
ejif-4913	78	1	moreover	moreover	ADV
ejif-4913	78	2	,	,	PUNCT
ejif-4913	78	3	the	the	DET
ejif-4913	78	4	commercial	commercial	ADJ
ejif-4913	78	5	development	development	NOUN
ejif-4913	78	6	of	of	ADP
ejif-4913	78	7	the	the	DET
ejif-4913	78	8	internet	internet	NOUN
ejif-4913	78	9	has	have	AUX
ejif-4913	78	10	accelerated	accelerate	VERB
ejif-4913	78	11	the	the	DET
ejif-4913	78	12	creation	creation	NOUN
ejif-4913	78	13	of	of	ADP
ejif-4913	78	14	new	new	ADJ
ejif-4913	78	15	bms	bms	NOUN
ejif-4913	78	16	and	and	CCONJ
ejif-4913	78	17	redefined	redefine	VERB
ejif-4913	78	18	existing	exist	VERB
ejif-4913	78	19	ones[16	ones[16	NOUN
ejif-4913	78	20	]	]	PUNCT
ejif-4913	78	21	.	.	PUNCT
ejif-4913	79	1	this	this	PRON
ejif-4913	79	2	is	be	AUX
ejif-4913	79	3	because	because	SCONJ
ejif-4913	79	4	the	the	DET
ejif-4913	79	5	internet	internet	NOUN
ejif-4913	79	6	affects	affect	VERB
ejif-4913	79	7	all	all	DET
ejif-4913	79	8	activities	activity	NOUN
ejif-4913	79	9	in	in	ADP
ejif-4913	79	10	the	the	DET
ejif-4913	79	11	value	value	NOUN
ejif-4913	79	12	chain	chain	NOUN
ejif-4913	79	13	,	,	PUNCT
ejif-4913	79	14	both	both	DET
ejif-4913	79	15	core	core	NOUN
ejif-4913	79	16	and	and	CCONJ
ejif-4913	79	17	non	non	ADJ
ejif-4913	79	18	-	-	NOUN
ejif-4913	79	19	core	core	ADJ
ejif-4913	79	20	,	,	PUNCT
ejif-4913	79	21	and	and	CCONJ
ejif-4913	79	22	has	have	AUX
ejif-4913	79	23	spawned	spawn	VERB
ejif-4913	79	24	new	new	ADJ
ejif-4913	79	25	ways	way	NOUN
ejif-4913	79	26	of	of	ADP
ejif-4913	79	27	doing	do	VERB
ejif-4913	79	28	business	business	NOUN
ejif-4913	79	29	known	know	VERB
ejif-4913	79	30	as	as	ADP
ejif-4913	79	31	"	"	PUNCT
ejif-4913	79	32	electronic	electronic	ADJ
ejif-4913	79	33	business"[17].the	business"[17].the	DET
ejif-4913	79	34	internet	internet	NOUN
ejif-4913	79	35	can	can	AUX
ejif-4913	79	36	reduce	reduce	VERB
ejif-4913	79	37	the	the	DET
ejif-4913	79	38	time	time	NOUN
ejif-4913	79	39	it	it	PRON
ejif-4913	79	40	takes	take	VERB
ejif-4913	79	41	to	to	PART
ejif-4913	79	42	transmit	transmit	VERB
ejif-4913	79	43	orders	order	NOUN
ejif-4913	79	44	by	by	ADP
ejif-4913	79	45	automating	automate	VERB
ejif-4913	79	46	both	both	CCONJ
ejif-4913	79	47	customer	customer	NOUN
ejif-4913	79	48	and	and	CCONJ
ejif-4913	79	49	supplier	supplier	NOUN
ejif-4913	79	50	relations	relation	NOUN
ejif-4913	79	51	,	,	PUNCT
ejif-4913	79	52	thus	thus	ADV
ejif-4913	79	53	enabling	enable	VERB
ejif-4913	79	54	true	true	ADJ
ejif-4913	79	55	integrated	integrated	ADJ
ejif-4913	79	56	management	management	NOUN
ejif-4913	79	57	[	[	X
ejif-4913	79	58	7	7	NUM
ejif-4913	79	59	]	]	PUNCT
ejif-4913	79	60	.	.	PUNCT
ejif-4913	80	1	since	since	SCONJ
ejif-4913	80	2	the	the	DET
ejif-4913	80	3	2000s	2000s	NUM
ejif-4913	80	4	,	,	PUNCT
ejif-4913	80	5	the	the	DET
ejif-4913	80	6	global	global	ADJ
ejif-4913	80	7	economic	economic	ADJ
ejif-4913	80	8	landscape	landscape	NOUN
ejif-4913	80	9	is	be	AUX
ejif-4913	80	10	undergoing	undergo	VERB
ejif-4913	80	11	an	an	DET
ejif-4913	80	12	upheaval	upheaval	NOUN
ejif-4913	80	13	linked	link	VERB
ejif-4913	80	14	to	to	ADP
ejif-4913	80	15	the	the	DET
ejif-4913	80	16	perpetual	perpetual	ADJ
ejif-4913	80	17	evolution	evolution	NOUN
ejif-4913	80	18	of	of	ADP
ejif-4913	80	19	digital	digital	ADJ
ejif-4913	80	20	technology	technology	NOUN
ejif-4913	81	1	[	[	X
ejif-4913	81	2	18	18	NUM
ejif-4913	81	3	]	]	PUNCT
ejif-4913	81	4	.	.	PUNCT
ejif-4913	82	1	as	as	ADP
ejif-4913	82	2	a	a	DET
ejif-4913	82	3	result	result	NOUN
ejif-4913	82	4	,	,	PUNCT
ejif-4913	82	5	the	the	DET
ejif-4913	82	6	global	global	ADJ
ejif-4913	82	7	economy	economy	NOUN
ejif-4913	82	8	has	have	AUX
ejif-4913	82	9	been	be	AUX
ejif-4913	82	10	totally	totally	ADV
ejif-4913	82	11	transformed	transform	VERB
ejif-4913	82	12	with	with	ADP
ejif-4913	82	13	the	the	DET
ejif-4913	82	14	disappearance	disappearance	NOUN
ejif-4913	82	15	of	of	ADP
ejif-4913	82	16	many	many	ADJ
ejif-4913	82	17	industries	industry	NOUN
ejif-4913	82	18	and	and	CCONJ
ejif-4913	82	19	the	the	DET
ejif-4913	82	20	emergence	emergence	NOUN
ejif-4913	82	21	of	of	ADP
ejif-4913	82	22	new	new	ADJ
ejif-4913	82	23	digital	digital	ADJ
ejif-4913	82	24	-	-	PUNCT
ejif-4913	82	25	oriented	orient	VERB
ejif-4913	82	26	businesses	business	NOUN
ejif-4913	82	27	such	such	ADJ
ejif-4913	82	28	as	as	ADP
ejif-4913	82	29	e	e	NOUN
ejif-4913	82	30	-	-	NOUN
ejif-4913	82	31	commerce	commerce	NOUN
ejif-4913	82	32	[	[	X
ejif-4913	82	33	19	19	NUM
ejif-4913	82	34	]	]	PUNCT
ejif-4913	82	35	.	.	PUNCT
ejif-4913	83	1	c.	c.	PROPN
ejif-4913	83	2	evolution	evolution	NOUN
ejif-4913	83	3	of	of	ADP
ejif-4913	83	4	digital	digital	ADJ
ejif-4913	83	5	banking	banking	NOUN
ejif-4913	83	6	the	the	DET
ejif-4913	83	7	digital	digital	ADJ
ejif-4913	83	8	transformation	transformation	NOUN
ejif-4913	83	9	of	of	ADP
ejif-4913	83	10	any	any	DET
ejif-4913	83	11	institution	institution	NOUN
ejif-4913	83	12	,	,	PUNCT
ejif-4913	83	13	including	include	VERB
ejif-4913	83	14	financial	financial	ADJ
ejif-4913	83	15	ones	one	NOUN
ejif-4913	83	16	,	,	PUNCT
ejif-4913	83	17	is	be	AUX
ejif-4913	83	18	driven	drive	VERB
ejif-4913	83	19	by	by	ADP
ejif-4913	83	20	new	new	ADJ
ejif-4913	83	21	trends	trend	NOUN
ejif-4913	83	22	in	in	ADP
ejif-4913	83	23	the	the	DET
ejif-4913	83	24	digital	digital	ADJ
ejif-4913	83	25	world	world	NOUN
ejif-4913	83	26	.	.	PUNCT
ejif-4913	84	1	all	all	DET
ejif-4913	84	2	these	these	DET
ejif-4913	84	3	changes	change	NOUN
ejif-4913	84	4	are	be	AUX
ejif-4913	84	5	likely	likely	ADJ
ejif-4913	84	6	to	to	PART
ejif-4913	84	7	upset	upset	VERB
ejif-4913	84	8	the	the	DET
ejif-4913	84	9	old	old	ADJ
ejif-4913	84	10	model	model	NOUN
ejif-4913	84	11	of	of	ADP
ejif-4913	84	12	banks	bank	NOUN
ejif-4913	84	13	as	as	SCONJ
ejif-4913	84	14	we	we	PRON
ejif-4913	84	15	know	know	VERB
ejif-4913	84	16	it	it	PRON
ejif-4913	84	17	,	,	PUNCT
ejif-4913	84	18	to	to	PART
ejif-4913	84	19	give	give	VERB
ejif-4913	84	20	birth	birth	NOUN
ejif-4913	84	21	to	to	ADP
ejif-4913	84	22	a	a	DET
ejif-4913	84	23	new	new	ADJ
ejif-4913	84	24	style	style	NOUN
ejif-4913	84	25	of	of	ADP
ejif-4913	84	26	connected	connected	ADJ
ejif-4913	84	27	digital	digital	ADJ
ejif-4913	84	28	banks	bank	NOUN
ejif-4913	84	29	[	[	X
ejif-4913	84	30	20	20	NUM
ejif-4913	84	31	]	]	PUNCT
ejif-4913	84	32	.	.	PUNCT
ejif-4913	85	1	in	in	ADP
ejif-4913	85	2	addition	addition	NOUN
ejif-4913	85	3	to	to	ADP
ejif-4913	85	4	the	the	DET
ejif-4913	85	5	large	large	ADJ
ejif-4913	85	6	-	-	PUNCT
ejif-4913	85	7	scale	scale	NOUN
ejif-4913	85	8	expansion	expansion	NOUN
ejif-4913	85	9	of	of	ADP
ejif-4913	85	10	the	the	DET
ejif-4913	85	11	internet	internet	NOUN
ejif-4913	85	12	and	and	CCONJ
ejif-4913	85	13	technological	technological	ADJ
ejif-4913	85	14	advances	advance	NOUN
ejif-4913	85	15	,	,	PUNCT
ejif-4913	85	16	we	we	PRON
ejif-4913	85	17	are	be	AUX
ejif-4913	85	18	also	also	ADV
ejif-4913	85	19	witnessing	witness	VERB
ejif-4913	85	20	the	the	DET
ejif-4913	85	21	democratization	democratization	NOUN
ejif-4913	85	22	of	of	ADP
ejif-4913	85	23	computers	computer	NOUN
ejif-4913	85	24	and	and	CCONJ
ejif-4913	85	25	smartphone	smartphone	NOUN
ejif-4913	85	26	,	,	PUNCT
ejif-4913	85	27	which	which	PRON
ejif-4913	85	28	are	be	AUX
ejif-4913	85	29	increasingly	increasingly	ADV
ejif-4913	85	30	powerful	powerful	ADJ
ejif-4913	85	31	,	,	PUNCT
ejif-4913	85	32	compact	compact	ADJ
ejif-4913	85	33	and	and	CCONJ
ejif-4913	85	34	feature	feature	NOUN
ejif-4913	85	35	-	-	PUNCT
ejif-4913	85	36	rich	rich	ADJ
ejif-4913	85	37	[	[	X
ejif-4913	85	38	21	21	NUM
ejif-4913	85	39	]	]	PUNCT
ejif-4913	85	40	.	.	PUNCT
ejif-4913	86	1	the	the	DET
ejif-4913	86	2	digital	digital	ADJ
ejif-4913	86	3	boom	boom	NOUN
ejif-4913	86	4	is	be	AUX
ejif-4913	86	5	having	have	VERB
ejif-4913	86	6	a	a	DET
ejif-4913	86	7	significant	significant	ADJ
ejif-4913	86	8	impact	impact	NOUN
ejif-4913	86	9	on	on	ADP
ejif-4913	86	10	many	many	ADJ
ejif-4913	86	11	industries	industry	NOUN
ejif-4913	86	12	and	and	CCONJ
ejif-4913	86	13	is	be	AUX
ejif-4913	86	14	accompanied	accompany	VERB
ejif-4913	86	15	by	by	ADP
ejif-4913	86	16	a	a	DET
ejif-4913	86	17	change	change	NOUN
ejif-4913	86	18	in	in	ADP
ejif-4913	86	19	consumer	consumer	NOUN
ejif-4913	86	20	behavior	behavior	NOUN
ejif-4913	86	21	.	.	PUNCT
ejif-4913	87	1	the	the	DET
ejif-4913	87	2	latest	late	ADJ
ejif-4913	87	3	statistics	statistic	NOUN
ejif-4913	87	4	published	publish	VERB
ejif-4913	87	5	by	by	ADP
ejif-4913	87	6	the	the	DET
ejif-4913	87	7	international	international	ADJ
ejif-4913	87	8	telecommunication	telecommunication	NOUN
ejif-4913	87	9	union	union	NOUN
ejif-4913	87	10	(	(	PUNCT
ejif-4913	87	11	itu	itu	PROPN
ejif-4913	87	12	)	)	PUNCT
ejif-4913	87	13	confirm	confirm	VERB
ejif-4913	87	14	that	that	SCONJ
ejif-4913	87	15	internet	internet	NOUN
ejif-4913	87	16	use	use	NOUN
ejif-4913	87	17	continues	continue	VERB
ejif-4913	87	18	to	to	PART
ejif-4913	87	19	grow	grow	VERB
ejif-4913	87	20	worldwide	worldwide	ADV
ejif-4913	87	21	,	,	PUNCT
ejif-4913	87	22	with	with	ADP
ejif-4913	87	23	4.1	4.1	NUM
ejif-4913	87	24	billion	billion	NUM
ejif-4913	87	25	internet	internet	NOUN
ejif-4913	87	26	users	user	NOUN
ejif-4913	87	27	at	at	ADP
ejif-4913	87	28	the	the	DET
ejif-4913	87	29	end	end	NOUN
ejif-4913	87	30	of	of	ADP
ejif-4913	87	31	2019	2019	NUM
ejif-4913	87	32	,	,	PUNCT
ejif-4913	87	33	or	or	CCONJ
ejif-4913	87	34	53.6	53.6	NUM
ejif-4913	87	35	%	%	NOUN
ejif-4913	87	36	of	of	ADP
ejif-4913	87	37	the	the	DET
ejif-4913	87	38	world	world	NOUN
ejif-4913	87	39	's	's	PART
ejif-4913	87	40	population[22	population[22	NOUN
ejif-4913	87	41	]	]	X
ejif-4913	87	42	.	.	PUNCT
ejif-4913	88	1	similarly	similarly	ADV
ejif-4913	88	2	,	,	PUNCT
ejif-4913	88	3	almost	almost	ADV
ejif-4913	88	4	the	the	DET
ejif-4913	88	5	entire	entire	ADJ
ejif-4913	88	6	world	world	NOUN
ejif-4913	88	7	population	population	NOUN
ejif-4913	88	8	(	(	PUNCT
ejif-4913	88	9	97	97	NUM
ejif-4913	88	10	%	%	NOUN
ejif-4913	88	11	)	)	PUNCT
ejif-4913	88	12	lives	live	VERB
ejif-4913	88	13	within	within	ADP
ejif-4913	88	14	range	range	NOUN
ejif-4913	88	15	of	of	ADP
ejif-4913	88	16	a	a	DET
ejif-4913	88	17	mobile	mobile	ADJ
ejif-4913	88	18	cellular	cellular	ADJ
ejif-4913	88	19	signal[22	signal[22	NOUN
ejif-4913	88	20	]	]	PUNCT
ejif-4913	88	21	.	.	PUNCT
ejif-4913	89	1	as	as	ADP
ejif-4913	89	2	a	a	DET
ejif-4913	89	3	result	result	NOUN
ejif-4913	89	4	,	,	PUNCT
ejif-4913	89	5	users	user	NOUN
ejif-4913	89	6	with	with	ADP
ejif-4913	89	7	access	access	NOUN
ejif-4913	89	8	to	to	ADP
ejif-4913	89	9	the	the	DET
ejif-4913	89	10	internet	internet	NOUN
ejif-4913	89	11	are	be	AUX
ejif-4913	89	12	using	use	VERB
ejif-4913	89	13	more	more	ADJ
ejif-4913	89	14	mobility	mobility	NOUN
ejif-4913	89	15	in	in	ADP
ejif-4913	89	16	their	their	PRON
ejif-4913	89	17	daily	daily	ADJ
ejif-4913	89	18	lives	life	NOUN
ejif-4913	89	19	,	,	PUNCT
ejif-4913	89	20	particularly	particularly	ADV
ejif-4913	89	21	to	to	PART
ejif-4913	89	22	carry	carry	VERB
ejif-4913	89	23	out	out	ADP
ejif-4913	89	24	traditional	traditional	ADJ
ejif-4913	89	25	banking	banking	NOUN
ejif-4913	89	26	transactions	transaction	NOUN
ejif-4913	89	27	or	or	CCONJ
ejif-4913	89	28	to	to	PART
ejif-4913	89	29	adopt	adopt	VERB
ejif-4913	89	30	the	the	DET
ejif-4913	89	31	digital	digital	ADJ
ejif-4913	89	32	services	service	NOUN
ejif-4913	89	33	of	of	ADP
ejif-4913	89	34	digital	digital	ADJ
ejif-4913	89	35	banks	bank	NOUN
ejif-4913	89	36	,	,	PUNCT
ejif-4913	89	37	fintech	fintech	NOUN
ejif-4913	89	38	and	and	CCONJ
ejif-4913	89	39	neo	neo	NOUN
ejif-4913	89	40	-	-	NOUN
ejif-4913	89	41	banks	bank	NOUN
ejif-4913	89	42	.	.	PUNCT
ejif-4913	90	1	furthermore	furthermore	ADV
ejif-4913	90	2	,	,	PUNCT
ejif-4913	90	3	lavayssière	lavayssière	NOUN
ejif-4913	90	4	(	(	PUNCT
ejif-4913	90	5	2015	2015	NUM
ejif-4913	90	6	)	)	PUNCT
ejif-4913	90	7	considers	consider	VERB
ejif-4913	90	8	that	that	SCONJ
ejif-4913	90	9	,	,	PUNCT
ejif-4913	90	10	in	in	ADP
ejif-4913	90	11	the	the	DET
ejif-4913	90	12	banking	banking	NOUN
ejif-4913	90	13	environment	environment	NOUN
ejif-4913	90	14	,	,	PUNCT
ejif-4913	90	15	the	the	DET
ejif-4913	90	16	traditional	traditional	ADJ
ejif-4913	90	17	bm	bm	PROPN
ejif-4913	90	18	which	which	PRON
ejif-4913	90	19	initially	initially	ADV
ejif-4913	90	20	evolved	evolve	VERB
ejif-4913	90	21	in	in	ADP
ejif-4913	90	22	relatively	relatively	ADV
ejif-4913	90	23	stable	stable	ADJ
ejif-4913	90	24	environments	environment	NOUN
ejif-4913	90	25	have	have	AUX
ejif-4913	90	26	been	be	AUX
ejif-4913	90	27	forced	force	VERB
ejif-4913	90	28	to	to	PART
ejif-4913	90	29	be	be	AUX
ejif-4913	90	30	reinvented	reinvent	VERB
ejif-4913	90	31	[	[	X
ejif-4913	90	32	23	23	NUM
ejif-4913	90	33	]	]	PUNCT
ejif-4913	90	34	.	.	PUNCT
ejif-4913	91	1	in	in	ADP
ejif-4913	91	2	fact	fact	NOUN
ejif-4913	91	3	,	,	PUNCT
ejif-4913	91	4	the	the	DET
ejif-4913	91	5	disruption	disruption	NOUN
ejif-4913	91	6	in	in	ADP
ejif-4913	91	7	traditional	traditional	ADJ
ejif-4913	91	8	banking	banking	NOUN
ejif-4913	91	9	first	first	ADV
ejif-4913	91	10	occurred	occur	VERB
ejif-4913	91	11	in	in	ADP
ejif-4913	91	12	the	the	DET
ejif-4913	91	13	payment	payment	NOUN
ejif-4913	91	14	sector	sector	NOUN
ejif-4913	91	15	with	with	ADP
ejif-4913	91	16	the	the	DET
ejif-4913	91	17	appearance	appearance	NOUN
ejif-4913	91	18	of	of	ADP
ejif-4913	91	19	fintechs	fintech	NOUN
ejif-4913	91	20	2	2	NUM
ejif-4913	91	21	.	.	PUNCT
ejif-4913	92	1	they	they	PRON
ejif-4913	92	2	were	be	AUX
ejif-4913	92	3	the	the	DET
ejif-4913	92	4	first	first	ADJ
ejif-4913	92	5	stunt	stunt	NOUN
ejif-4913	92	6	against	against	ADP
ejif-4913	92	7	the	the	DET
ejif-4913	92	8	traditional	traditional	ADJ
ejif-4913	92	9	banking	banking	NOUN
ejif-4913	92	10	industry	industry	NOUN
ejif-4913	92	11	by	by	ADP
ejif-4913	92	12	imposing	impose	VERB
ejif-4913	92	13	change	change	NOUN
ejif-4913	92	14	on	on	ADP
ejif-4913	92	15	all	all	DET
ejif-4913	92	16	its	its	PRON
ejif-4913	92	17	businesses	business	NOUN
ejif-4913	92	18	.	.	PUNCT
ejif-4913	93	1	they	they	PRON
ejif-4913	93	2	invest	invest	VERB
ejif-4913	93	3	every	every	DET
ejif-4913	93	4	segment	segment	NOUN
ejif-4913	93	5	of	of	ADP
ejif-4913	93	6	the	the	DET
ejif-4913	93	7	banking	banking	NOUN
ejif-4913	93	8	and	and	CCONJ
ejif-4913	93	9	financial	financial	ADJ
ejif-4913	93	10	services	service	NOUN
ejif-4913	93	11	markets	market	NOUN
ejif-4913	93	12	and	and	CCONJ
ejif-4913	93	13	modify	modify	VERB
ejif-4913	93	14	its	its	PRON
ejif-4913	93	15	structure	structure	NOUN
ejif-4913	93	16	through	through	ADP
ejif-4913	93	17	the	the	DET
ejif-4913	93	18	entrance	entrance	NOUN
ejif-4913	93	19	of	of	ADP
ejif-4913	93	20	technological	technological	ADJ
ejif-4913	93	21	start	start	NOUN
ejif-4913	93	22	-	-	PUNCT
ejif-4913	93	23	ups	up	NOUN
ejif-4913	94	1	[	[	X
ejif-4913	94	2	24].with	24].with	NUM
ejif-4913	94	3	flexible	flexible	ADJ
ejif-4913	94	4	structures	structure	NOUN
ejif-4913	94	5	and	and	CCONJ
ejif-4913	94	6	low	low	ADJ
ejif-4913	94	7	costs	cost	NOUN
ejif-4913	94	8	,	,	PUNCT
ejif-4913	94	9	the	the	DET
ejif-4913	94	10	fintechs	fintech	NOUN
ejif-4913	94	11	are	be	AUX
ejif-4913	94	12	,	,	PUNCT
ejif-4913	94	13	therefore	therefore	ADV
ejif-4913	94	14	,	,	PUNCT
ejif-4913	94	15	developing	develop	VERB
ejif-4913	94	16	at	at	ADP
ejif-4913	94	17	high	high	ADJ
ejif-4913	94	18	speed	speed	NOUN
ejif-4913	94	19	and	and	CCONJ
ejif-4913	94	20	2startups	2startups	NUM
ejif-4913	94	21	applying	apply	VERB
ejif-4913	94	22	new	new	ADJ
ejif-4913	94	23	technologies	technology	NOUN
ejif-4913	94	24	from	from	ADP
ejif-4913	94	25	the	the	DET
ejif-4913	94	26	digital	digital	ADJ
ejif-4913	94	27	revolution	revolution	NOUN
ejif-4913	94	28	to	to	ADP
ejif-4913	94	29	the	the	DET
ejif-4913	94	30	banking	banking	NOUN
ejif-4913	94	31	sector	sector	NOUN
ejif-4913	94	32	.	.	PUNCT
ejif-4913	95	1	ejif	ejif	PROPN
ejif-4913	95	2	–	–	PUNCT
ejif-4913	95	3	european	european	PROPN
ejif-4913	95	4	journal	journal	PROPN
ejif-4913	95	5	of	of	ADP
ejif-4913	95	6	islamic	islamic	PROPN
ejif-4913	95	7	finance	finance	PROPN
ejif-4913	95	8	islamic	islamic	PROPN
ejif-4913	95	9	finance	finance	NOUN
ejif-4913	95	10	role	role	NOUN
ejif-4913	95	11	in	in	ADP
ejif-4913	95	12	the	the	DET
ejif-4913	95	13	time	time	NOUN
ejif-4913	95	14	of	of	ADP
ejif-4913	95	15	covid-19	covid-19	PROPN
ejif-4913	95	16	pandemic	pandemic	NOUN
ejif-4913	95	17	,	,	PUNCT
ejif-4913	95	18	no	no	DET
ejif-4913	95	19	16	16	NUM
ejif-4913	95	20	,	,	PUNCT
ejif-4913	95	21	december	december	PROPN
ejif-4913	95	22	(	(	PUNCT
ejif-4913	95	23	2020	2020	NUM
ejif-4913	95	24	)	)	PUNCT
ejif-4913	96	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4913	96	2	issn	issn	VERB
ejif-4913	96	3	2421	2421	NUM
ejif-4913	96	4	-	-	SYM
ejif-4913	96	5	2172	2172	NUM
ejif-4913	96	6	doi	doi	NOUN
ejif-4913	96	7	:	:	PUNCT
ejif-4913	96	8	10.13135/2421	10.13135/2421	NUM
ejif-4913	96	9	-	-	SYM
ejif-4913	96	10	2172/4913	2172/4913	NUM
ejif-4913	96	11	4	4	NUM
ejif-4913	96	12	are	be	AUX
ejif-4913	96	13	concentrating	concentrate	VERB
ejif-4913	96	14	on	on	ADP
ejif-4913	96	15	niche	niche	NOUN
ejif-4913	96	16	markets	market	NOUN
ejif-4913	96	17	where	where	SCONJ
ejif-4913	96	18	banks	bank	NOUN
ejif-4913	96	19	do	do	AUX
ejif-4913	96	20	not	not	PART
ejif-4913	96	21	offer	offer	VERB
ejif-4913	96	22	services	service	NOUN
ejif-4913	96	23	or	or	CCONJ
ejif-4913	96	24	perform	perform	VERB
ejif-4913	96	25	poorly	poorly	ADV
ejif-4913	96	26	.	.	PUNCT
ejif-4913	97	1	digicash	digicash	NOUN
ejif-4913	97	2	,	,	PUNCT
ejif-4913	97	3	paypal	paypal	PROPN
ejif-4913	97	4	and	and	CCONJ
ejif-4913	97	5	kickstarter	kickstarter	PROPN
ejif-4913	97	6	are	be	AUX
ejif-4913	97	7	examples	example	NOUN
ejif-4913	97	8	of	of	ADP
ejif-4913	97	9	successful	successful	ADJ
ejif-4913	97	10	fintechs	fintech	NOUN
ejif-4913	97	11	with	with	ADP
ejif-4913	97	12	online	online	ADJ
ejif-4913	97	13	banking[25	banking[25	NOUN
ejif-4913	97	14	]	]	PUNCT
ejif-4913	97	15	.	.	PUNCT
ejif-4913	98	1	in	in	ADP
ejif-4913	98	2	china	china	PROPN
ejif-4913	98	3	,	,	PUNCT
ejif-4913	98	4	for	for	ADP
ejif-4913	98	5	example	example	NOUN
ejif-4913	98	6	,	,	PUNCT
ejif-4913	98	7	the	the	DET
ejif-4913	98	8	market	market	NOUN
ejif-4913	98	9	share	share	NOUN
ejif-4913	98	10	of	of	ADP
ejif-4913	98	11	the	the	DET
ejif-4913	98	12	giants	giant	NOUN
ejif-4913	98	13	of	of	ADP
ejif-4913	98	14	retail	retail	ADJ
ejif-4913	98	15	payments	payment	NOUN
ejif-4913	98	16	technology	technology	NOUN
ejif-4913	98	17	exceeded	exceed	VERB
ejif-4913	98	18	50	50	NUM
ejif-4913	98	19	%	%	NOUN
ejif-4913	98	20	in	in	ADP
ejif-4913	98	21	2017	2017	NUM
ejif-4913	98	22	compared	compare	VERB
ejif-4913	98	23	to	to	ADP
ejif-4913	98	24	only	only	ADV
ejif-4913	98	25	2	2	NUM
ejif-4913	98	26	%	%	NOUN
ejif-4913	98	27	in	in	ADP
ejif-4913	98	28	2012	2012	NUM
ejif-4913	98	29	.	.	PUNCT
ejif-4913	99	1	on	on	ADP
ejif-4913	99	2	the	the	DET
ejif-4913	99	3	other	other	ADJ
ejif-4913	99	4	hand	hand	NOUN
ejif-4913	99	5	,	,	PUNCT
ejif-4913	99	6	with	with	ADP
ejif-4913	99	7	the	the	DET
ejif-4913	99	8	mobile	mobile	NOUN
ejif-4913	99	9	as	as	ADP
ejif-4913	99	10	an	an	DET
ejif-4913	99	11	ally	ally	NOUN
ejif-4913	99	12	,	,	PUNCT
ejif-4913	99	13	the	the	DET
ejif-4913	99	14	neobanks3	neobanks3	NOUN
ejif-4913	99	15	disrupted	disrupt	VERB
ejif-4913	99	16	the	the	DET
ejif-4913	99	17	system	system	NOUN
ejif-4913	99	18	with	with	ADP
ejif-4913	99	19	innovative	innovative	ADJ
ejif-4913	99	20	,	,	PUNCT
ejif-4913	99	21	fast	fast	ADJ
ejif-4913	99	22	and	and	CCONJ
ejif-4913	99	23	secure	secure	VERB
ejif-4913	99	24	digital	digital	ADJ
ejif-4913	99	25	solutions	solution	NOUN
ejif-4913	99	26	[	[	X
ejif-4913	99	27	26	26	NUM
ejif-4913	99	28	]	]	PUNCT
ejif-4913	99	29	.	.	PUNCT
ejif-4913	100	1	in	in	ADP
ejif-4913	100	2	2018	2018	NUM
ejif-4913	100	3	,	,	PUNCT
ejif-4913	100	4	according	accord	VERB
ejif-4913	100	5	to	to	ADP
ejif-4913	100	6	[	[	X
ejif-4913	100	7	27	27	NUM
ejif-4913	100	8	]	]	PUNCT
ejif-4913	100	9	,	,	PUNCT
ejif-4913	100	10	the	the	DET
ejif-4913	100	11	size	size	NOUN
ejif-4913	100	12	of	of	ADP
ejif-4913	100	13	the	the	DET
ejif-4913	100	14	global	global	ADJ
ejif-4913	100	15	digital	digital	ADJ
ejif-4913	100	16	banking	banking	NOUN
ejif-4913	100	17	market	market	NOUN
ejif-4913	100	18	reached	reach	VERB
ejif-4913	100	19	usd	usd	NOUN
ejif-4913	100	20	5,180	5,180	NUM
ejif-4913	100	21	million	million	NUM
ejif-4913	100	22	and	and	CCONJ
ejif-4913	100	23	is	be	AUX
ejif-4913	100	24	expected	expect	VERB
ejif-4913	100	25	to	to	PART
ejif-4913	100	26	reach	reach	VERB
ejif-4913	100	27	usd	usd	NOUN
ejif-4913	100	28	16,200	16,200	NUM
ejif-4913	100	29	million	million	NUM
ejif-4913	100	30	by	by	ADP
ejif-4913	100	31	the	the	DET
ejif-4913	100	32	end	end	NOUN
ejif-4913	100	33	of	of	ADP
ejif-4913	100	34	2025	2025	NUM
ejif-4913	100	35	,	,	PUNCT
ejif-4913	100	36	as	as	SCONJ
ejif-4913	100	37	shown	show	VERB
ejif-4913	100	38	in	in	ADP
ejif-4913	100	39	fig	fig	NOUN
ejif-4913	100	40	.	.	PUNCT
ejif-4913	101	1	1	1	X
ejif-4913	101	2	.	.	X
ejif-4913	101	3	figure	figure	NOUN
ejif-4913	101	4	1	1	NUM
ejif-4913	101	5	.	.	PUNCT
ejif-4913	102	1	global	global	ADJ
ejif-4913	102	2	digital	digital	ADJ
ejif-4913	102	3	banking	banking	NOUN
ejif-4913	102	4	market	market	NOUN
ejif-4913	102	5	size	size	NOUN
ejif-4913	102	6	,	,	PUNCT
ejif-4913	102	7	status	status	NOUN
ejif-4913	102	8	and	and	CCONJ
ejif-4913	102	9	forecast	forecast	NOUN
ejif-4913	102	10	(	(	PUNCT
ejif-4913	102	11	20182025	20182025	NUM
ejif-4913	102	12	)	)	PUNCT
ejif-4913	102	13	source	source	NOUN
ejif-4913	102	14	:	:	PUNCT
ejif-4913	102	15	digital	digital	ADJ
ejif-4913	102	16	banking	banking	NOUN
ejif-4913	102	17	market	market	NOUN
ejif-4913	102	18	research	research	NOUN
ejif-4913	102	19	report	report	NOUN
ejif-4913	102	20	2019	2019	NUM
ejif-4913	102	21	the	the	DET
ejif-4913	102	22	digital	digital	ADJ
ejif-4913	102	23	revolution	revolution	NOUN
ejif-4913	102	24	in	in	ADP
ejif-4913	102	25	banking	banking	NOUN
ejif-4913	102	26	is	be	AUX
ejif-4913	102	27	underway	underway	ADJ
ejif-4913	102	28	,	,	PUNCT
ejif-4913	102	29	disrupting	disrupt	VERB
ejif-4913	102	30	the	the	DET
ejif-4913	102	31	relevance	relevance	NOUN
ejif-4913	102	32	of	of	ADP
ejif-4913	102	33	traditional	traditional	ADJ
ejif-4913	102	34	banking	banking	NOUN
ejif-4913	102	35	services	service	NOUN
ejif-4913	102	36	.	.	PUNCT
ejif-4913	103	1	it	it	PRON
ejif-4913	103	2	is	be	AUX
ejif-4913	103	3	creating	create	VERB
ejif-4913	103	4	better	well	ADJ
ejif-4913	103	5	,	,	PUNCT
ejif-4913	103	6	faster	fast	ADJ
ejif-4913	103	7	and	and	CCONJ
ejif-4913	103	8	cheaper	cheap	ADJ
ejif-4913	103	9	banking	banking	NOUN
ejif-4913	103	10	services	service	NOUN
ejif-4913	103	11	that	that	PRON
ejif-4913	103	12	make	make	VERB
ejif-4913	103	13	life	life	NOUN
ejif-4913	103	14	easier	easy	ADJ
ejif-4913	103	15	for	for	ADP
ejif-4913	103	16	customer[21	customer[21	NOUN
ejif-4913	103	17	]	]	PUNCT
ejif-4913	103	18	.	.	PUNCT
ejif-4913	104	1	according	accord	VERB
ejif-4913	104	2	to	to	ADP
ejif-4913	104	3	deloitte	deloitte	PROPN
ejif-4913	104	4	digital	digital	PROPN
ejif-4913	104	5	banking	banking	NOUN
ejif-4913	104	6	benchmark	benchmark	NOUN
ejif-4913	104	7	,	,	PUNCT
ejif-4913	104	8	approximately	approximately	ADV
ejif-4913	104	9	3	3	NUM
ejif-4913	104	10	billion	billion	NUM
ejif-4913	104	11	users	user	NOUN
ejif-4913	104	12	worldwide	worldwide	ADV
ejif-4913	104	13	will	will	AUX
ejif-4913	104	14	have	have	VERB
ejif-4913	104	15	access	access	NOUN
ejif-4913	104	16	to	to	ADP
ejif-4913	104	17	retail	retail	ADJ
ejif-4913	104	18	banking	banking	NOUN
ejif-4913	104	19	via	via	ADP
ejif-4913	104	20	smartphone	smartphone	NOUN
ejif-4913	104	21	,	,	PUNCT
ejif-4913	104	22	tablets	tablet	NOUN
ejif-4913	104	23	,	,	PUNCT
ejif-4913	104	24	pcs	pc	NOUN
ejif-4913	104	25	and	and	CCONJ
ejif-4913	104	26	smart	smart	ADJ
ejif-4913	104	27	watches	watch	NOUN
ejif-4913	104	28	by	by	ADP
ejif-4913	104	29	2021[28	2021[28	NUM
ejif-4913	104	30	]	]	PUNCT
ejif-4913	104	31	.	.	PUNCT
ejif-4913	105	1	having	having	AUX
ejif-4913	105	2	initially	initially	ADV
ejif-4913	105	3	ignored	ignore	VERB
ejif-4913	105	4	the	the	DET
ejif-4913	105	5	impact	impact	NOUN
ejif-4913	105	6	of	of	ADP
ejif-4913	105	7	digitalization	digitalization	NOUN
ejif-4913	105	8	on	on	ADP
ejif-4913	105	9	their	their	PRON
ejif-4913	105	10	business	business	NOUN
ejif-4913	105	11	,	,	PUNCT
ejif-4913	105	12	banks	bank	NOUN
ejif-4913	105	13	are	be	AUX
ejif-4913	105	14	increasingly	increasingly	ADV
ejif-4913	105	15	being	be	AUX
ejif-4913	105	16	forced	force	VERB
ejif-4913	105	17	to	to	PART
ejif-4913	105	18	embrace	embrace	VERB
ejif-4913	105	19	the	the	DET
ejif-4913	105	20	demands	demand	NOUN
ejif-4913	105	21	of	of	ADP
ejif-4913	105	22	digitalization	digitalization	NOUN
ejif-4913	105	23	and	and	CCONJ
ejif-4913	105	24	accelerate	accelerate	VERB
ejif-4913	105	25	their	their	PRON
ejif-4913	105	26	digital	digital	ADJ
ejif-4913	105	27	transformation	transformation	NOUN
ejif-4913	105	28	process	process	NOUN
ejif-4913	105	29	to	to	PART
ejif-4913	105	30	retain	retain	VERB
ejif-4913	105	31	and	and	CCONJ
ejif-4913	105	32	grow	grow	VERB
ejif-4913	105	33	their	their	PRON
ejif-4913	105	34	customer	customer	NOUN
ejif-4913	105	35	base	base	NOUN
ejif-4913	105	36	.	.	PUNCT
ejif-4913	106	1	digital	digital	ADJ
ejif-4913	106	2	banking	banking	NOUN
ejif-4913	106	3	involves	involve	VERB
ejif-4913	106	4	the	the	DET
ejif-4913	106	5	digitalization	digitalization	NOUN
ejif-4913	106	6	of	of	ADP
ejif-4913	106	7	traditional	traditional	ADJ
ejif-4913	106	8	banking	banking	NOUN
ejif-4913	106	9	services	service	NOUN
ejif-4913	106	10	such	such	ADJ
ejif-4913	106	11	as	as	ADP
ejif-4913	106	12	current	current	ADJ
ejif-4913	106	13	accounts	account	NOUN
ejif-4913	106	14	,	,	PUNCT
ejif-4913	106	15	credit	credit	NOUN
ejif-4913	106	16	cards	card	NOUN
ejif-4913	106	17	,	,	PUNCT
ejif-4913	106	18	lending	lending	NOUN
ejif-4913	106	19	,	,	PUNCT
ejif-4913	106	20	wealth	wealth	NOUN
ejif-4913	106	21	management	management	NOUN
ejif-4913	106	22	,	,	PUNCT
ejif-4913	106	23	etc	etc	X
ejif-4913	106	24	.	.	X
ejif-4913	106	25	by	by	ADP
ejif-4913	106	26	using	use	VERB
ejif-4913	106	27	online	online	ADJ
ejif-4913	106	28	channels	channel	NOUN
ejif-4913	106	29	to	to	PART
ejif-4913	106	30	supply	supply	VERB
ejif-4913	106	31	them	they	PRON
ejif-4913	106	32	to	to	ADP
ejif-4913	106	33	customers	customer	NOUN
ejif-4913	106	34	[	[	X
ejif-4913	106	35	29	29	NUM
ejif-4913	106	36	]	]	PUNCT
ejif-4913	106	37	.	.	PUNCT
ejif-4913	107	1	while	while	SCONJ
ejif-4913	107	2	the	the	DET
ejif-4913	107	3	traditional	traditional	ADJ
ejif-4913	107	4	brick	brick	NOUN
ejif-4913	107	5	-	-	PUNCT
ejif-4913	107	6	andmortar	andmortar	NOUN
ejif-4913	107	7	,	,	PUNCT
ejif-4913	107	8	in	in	ADP
ejif-4913	107	9	-	-	PUNCT
ejif-4913	107	10	branch	branch	NOUN
ejif-4913	107	11	banking	banking	NOUN
ejif-4913	107	12	still	still	ADV
ejif-4913	107	13	exists	exist	VERB
ejif-4913	107	14	today	today	NOUN
ejif-4913	107	15	,	,	PUNCT
ejif-4913	107	16	the	the	DET
ejif-4913	107	17	move	move	NOUN
ejif-4913	107	18	to	to	ADP
ejif-4913	107	19	digital	digital	PROPN
ejif-4913	107	20	has	have	AUX
ejif-4913	107	21	been	be	AUX
ejif-4913	107	22	momentous	momentous	ADJ
ejif-4913	107	23	.	.	PUNCT
ejif-4913	108	1	both	both	DET
ejif-4913	108	2	old	old	ADJ
ejif-4913	108	3	-	-	PUNCT
ejif-4913	108	4	school	school	NOUN
ejif-4913	108	5	traditional	traditional	ADJ
ejif-4913	108	6	banks	bank	NOUN
ejif-4913	108	7	and	and	CCONJ
ejif-4913	108	8	modern	modern	ADJ
ejif-4913	108	9	,	,	PUNCT
ejif-4913	108	10	tech	tech	NOUN
ejif-4913	108	11	-	-	PUNCT
ejif-4913	108	12	driven	drive	VERB
ejif-4913	108	13	new	new	ADJ
ejif-4913	108	14	entrants	entrant	NOUN
ejif-4913	108	15	have	have	AUX
ejif-4913	108	16	been	be	AUX
ejif-4913	108	17	transforming	transform	VERB
ejif-4913	108	18	basic	basic	ADJ
ejif-4913	108	19	banking	banking	NOUN
ejif-4913	108	20	products	product	NOUN
ejif-4913	108	21	and	and	CCONJ
ejif-4913	108	22	services	service	NOUN
ejif-4913	108	23	so	so	SCONJ
ejif-4913	108	24	that	that	SCONJ
ejif-4913	108	25	they	they	PRON
ejif-4913	108	26	fit	fit	VERB
ejif-4913	108	27	within	within	ADP
ejif-4913	108	28	the	the	DET
ejif-4913	108	29	new	new	ADJ
ejif-4913	108	30	digital	digital	ADJ
ejif-4913	108	31	age	age	NOUN
ejif-4913	108	32	,	,	PUNCT
ejif-4913	108	33	making	make	VERB
ejif-4913	108	34	them	they	PRON
ejif-4913	108	35	more	more	ADV
ejif-4913	108	36	accessible	accessible	ADJ
ejif-4913	108	37	,	,	PUNCT
ejif-4913	108	38	easier	easy	ADJ
ejif-4913	108	39	to	to	PART
ejif-4913	108	40	understand	understand	VERB
ejif-4913	108	41	and	and	CCONJ
ejif-4913	108	42	quicker	quick	ADJ
ejif-4913	108	43	to	to	PART
ejif-4913	108	44	manage	manage	VERB
ejif-4913	108	45	.	.	PUNCT
ejif-4913	109	1	now	now	ADV
ejif-4913	109	2	,	,	PUNCT
ejif-4913	109	3	the	the	DET
ejif-4913	109	4	smooth	smooth	ADJ
ejif-4913	109	5	functioning	functioning	NOUN
ejif-4913	109	6	of	of	ADP
ejif-4913	109	7	digital	digital	ADJ
ejif-4913	109	8	banking	banking	NOUN
ejif-4913	109	9	services	service	NOUN
ejif-4913	109	10	is	be	AUX
ejif-4913	109	11	no	no	ADV
ejif-4913	109	12	longer	long	ADV
ejif-4913	109	13	a	a	DET
ejif-4913	109	14	choice	choice	NOUN
ejif-4913	109	15	but	but	CCONJ
ejif-4913	109	16	a	a	DET
ejif-4913	109	17	necessity	necessity	NOUN
ejif-4913	109	18	for	for	ADP
ejif-4913	109	19	survival	survival	NOUN
ejif-4913	109	20	.	.	PUNCT
ejif-4913	110	1	3	3	NUM
ejif-4913	110	2	100	100	NUM
ejif-4913	110	3	%	%	NOUN
ejif-4913	110	4	digital	digital	ADJ
ejif-4913	110	5	banking	banking	NOUN
ejif-4913	110	6	institution	institution	PROPN
ejif-4913	110	7	iii	iii	PROPN
ejif-4913	110	8	.	.	PUNCT
ejif-4913	110	9	islamic	islamic	ADJ
ejif-4913	110	10	banks	bank	NOUN
ejif-4913	110	11	and	and	CCONJ
ejif-4913	110	12	digitalization	digitalization	NOUN
ejif-4913	110	13	challenges	challenge	NOUN
ejif-4913	110	14	due	due	ADP
ejif-4913	110	15	to	to	ADP
ejif-4913	110	16	the	the	DET
ejif-4913	110	17	emergence	emergence	NOUN
ejif-4913	110	18	of	of	ADP
ejif-4913	110	19	fintechs	fintech	NOUN
ejif-4913	110	20	and	and	CCONJ
ejif-4913	110	21	the	the	DET
ejif-4913	110	22	new	new	ADJ
ejif-4913	110	23	consumer	consumer	NOUN
ejif-4913	110	24	lifestyle	lifestyle	NOUN
ejif-4913	110	25	,	,	PUNCT
ejif-4913	110	26	traditional	traditional	ADJ
ejif-4913	110	27	banks	bank	NOUN
ejif-4913	110	28	(	(	PUNCT
ejif-4913	110	29	islamic	islamic	ADJ
ejif-4913	110	30	and	and	CCONJ
ejif-4913	110	31	conventional	conventional	ADJ
ejif-4913	110	32	)	)	PUNCT
ejif-4913	110	33	should	should	AUX
ejif-4913	110	34	opt	opt	VERB
ejif-4913	110	35	for	for	ADP
ejif-4913	110	36	digital	digital	ADJ
ejif-4913	110	37	transformation	transformation	NOUN
ejif-4913	110	38	to	to	PART
ejif-4913	110	39	remain	remain	VERB
ejif-4913	110	40	competitive	competitive	ADJ
ejif-4913	110	41	.	.	PUNCT
ejif-4913	111	1	a.	a.	PROPN
ejif-4913	111	2	islamic	islamic	PROPN
ejif-4913	111	3	banks	banks	PROPN
ejif-4913	111	4	intermediation	intermediation	NOUN
ejif-4913	111	5	model	model	NOUN
ejif-4913	111	6	the	the	DET
ejif-4913	111	7	intermediation	intermediation	NOUN
ejif-4913	111	8	model	model	NOUN
ejif-4913	111	9	of	of	ADP
ejif-4913	111	10	islamic	islamic	ADJ
ejif-4913	111	11	banks	bank	NOUN
ejif-4913	111	12	is	be	AUX
ejif-4913	111	13	presented	present	VERB
ejif-4913	111	14	as	as	ADP
ejif-4913	111	15	a	a	DET
ejif-4913	111	16	financial	financial	ADJ
ejif-4913	111	17	innovation	innovation	NOUN
ejif-4913	111	18	that	that	PRON
ejif-4913	111	19	integrates	integrate	VERB
ejif-4913	111	20	ethics	ethic	NOUN
ejif-4913	111	21	and	and	CCONJ
ejif-4913	111	22	social	social	ADJ
ejif-4913	111	23	dimension	dimension	NOUN
ejif-4913	111	24	into	into	ADP
ejif-4913	111	25	contemporary	contemporary	ADJ
ejif-4913	111	26	banking	banking	NOUN
ejif-4913	111	27	practices[30	practices[30	PROPN
ejif-4913	111	28	]	]	PUNCT
ejif-4913	111	29	.	.	PUNCT
ejif-4913	112	1	islamic	islamic	ADJ
ejif-4913	112	2	financing	financing	NOUN
ejif-4913	112	3	mechanisms	mechanism	NOUN
ejif-4913	112	4	have	have	VERB
ejif-4913	112	5	different	different	ADJ
ejif-4913	112	6	forms	form	NOUN
ejif-4913	112	7	from	from	ADP
ejif-4913	112	8	the	the	DET
ejif-4913	112	9	conventional	conventional	ADJ
ejif-4913	112	10	financial	financial	ADJ
ejif-4913	112	11	institutions	institution	NOUN
ejif-4913	112	12	and	and	CCONJ
ejif-4913	112	13	must	must	AUX
ejif-4913	112	14	be	be	AUX
ejif-4913	112	15	sharia	sharia	PROPN
ejif-4913	112	16	compliant	compliant	ADJ
ejif-4913	112	17	.	.	PUNCT
ejif-4913	113	1	there	there	PRON
ejif-4913	113	2	are	be	VERB
ejif-4913	113	3	two	two	NUM
ejif-4913	113	4	alternative	alternative	ADJ
ejif-4913	113	5	mechanisms	mechanism	NOUN
ejif-4913	113	6	of	of	ADP
ejif-4913	113	7	financing	financing	NOUN
ejif-4913	113	8	namely	namely	ADV
ejif-4913	113	9	equity	equity	NOUN
ejif-4913	113	10	financing	financing	NOUN
ejif-4913	113	11	(	(	PUNCT
ejif-4913	113	12	mainly	mainly	ADV
ejif-4913	113	13	mudaraba	mudaraba	NOUN
ejif-4913	113	14	and	and	CCONJ
ejif-4913	113	15	musharaka	musharaka	NOUN
ejif-4913	113	16	)	)	PUNCT
ejif-4913	113	17	and	and	CCONJ
ejif-4913	113	18	debt	debt	NOUN
ejif-4913	113	19	financing	financing	NOUN
ejif-4913	113	20	(	(	PUNCT
ejif-4913	113	21	mainly	mainly	ADV
ejif-4913	113	22	murabaha	murabaha	NOUN
ejif-4913	113	23	,	,	PUNCT
ejif-4913	113	24	ijara	ijara	NOUN
ejif-4913	113	25	and	and	CCONJ
ejif-4913	113	26	istisnaa)[31	istisnaa)[31	NOUN
ejif-4913	113	27	]	]	X
ejif-4913	113	28	.	.	PUNCT
ejif-4913	114	1	furthermore	furthermore	ADV
ejif-4913	114	2	,	,	PUNCT
ejif-4913	114	3	the	the	DET
ejif-4913	114	4	customer	customer	NOUN
ejif-4913	114	5	relationship	relationship	NOUN
ejif-4913	114	6	is	be	AUX
ejif-4913	114	7	of	of	ADP
ejif-4913	114	8	great	great	ADJ
ejif-4913	114	9	importance	importance	NOUN
ejif-4913	114	10	in	in	ADP
ejif-4913	114	11	the	the	DET
ejif-4913	114	12	bm	bm	PROPN
ejif-4913	114	13	of	of	ADP
ejif-4913	114	14	islamic	islamic	ADJ
ejif-4913	114	15	banks	bank	NOUN
ejif-4913	114	16	.	.	PUNCT
ejif-4913	115	1	reference	reference	NOUN
ejif-4913	116	1	[	[	X
ejif-4913	116	2	32]summarized	32]summarized	NUM
ejif-4913	116	3	the	the	DET
ejif-4913	116	4	relationship	relationship	NOUN
ejif-4913	116	5	between	between	ADP
ejif-4913	116	6	islamic	islamic	ADJ
ejif-4913	116	7	banks	bank	NOUN
ejif-4913	116	8	and	and	CCONJ
ejif-4913	116	9	their	their	PRON
ejif-4913	116	10	depositors	depositor	NOUN
ejif-4913	116	11	in	in	ADP
ejif-4913	116	12	three	three	NUM
ejif-4913	116	13	main	main	ADJ
ejif-4913	116	14	categories	category	NOUN
ejif-4913	116	15	:	:	PUNCT
ejif-4913	116	16			X
ejif-4913	116	17	a	a	DET
ejif-4913	116	18	debt	debt	NOUN
ejif-4913	116	19	relationship	relationship	NOUN
ejif-4913	116	20	in	in	ADP
ejif-4913	116	21	which	which	PRON
ejif-4913	116	22	the	the	DET
ejif-4913	116	23	bank	bank	NOUN
ejif-4913	116	24	guarantees	guarantee	VERB
ejif-4913	116	25	the	the	DET
ejif-4913	116	26	principal	principal	ADJ
ejif-4913	116	27	amount	amount	NOUN
ejif-4913	116	28	of	of	ADP
ejif-4913	116	29	the	the	DET
ejif-4913	116	30	deposits	deposit	NOUN
ejif-4913	116	31	;	;	PUNCT
ejif-4913	116	32			PRON
ejif-4913	116	33	an	an	DET
ejif-4913	116	34	agent	agent	NOUN
ejif-4913	116	35	-	-	PUNCT
ejif-4913	116	36	principal	principal	NOUN
ejif-4913	116	37	relationship	relationship	NOUN
ejif-4913	116	38	in	in	ADP
ejif-4913	116	39	which	which	PRON
ejif-4913	116	40	the	the	DET
ejif-4913	116	41	bank	bank	NOUN
ejif-4913	116	42	shares	share	VERB
ejif-4913	116	43	profits	profit	NOUN
ejif-4913	116	44	and	and	CCONJ
ejif-4913	116	45	losses	loss	NOUN
ejif-4913	116	46	with	with	ADP
ejif-4913	116	47	its	its	PRON
ejif-4913	116	48	depositors	depositor	NOUN
ejif-4913	116	49	,	,	PUNCT
ejif-4913	116	50	who	who	PRON
ejif-4913	116	51	in	in	ADP
ejif-4913	116	52	this	this	DET
ejif-4913	116	53	case	case	NOUN
ejif-4913	116	54	are	be	AUX
ejif-4913	116	55	partners	partner	NOUN
ejif-4913	116	56	and	and	CCONJ
ejif-4913	116	57	not	not	PART
ejif-4913	116	58	creditors	creditor	NOUN
ejif-4913	116	59	;	;	PUNCT
ejif-4913	116	60			PRON
ejif-4913	116	61	and	and	CCONJ
ejif-4913	116	62	when	when	SCONJ
ejif-4913	116	63	the	the	DET
ejif-4913	116	64	bank	bank	NOUN
ejif-4913	116	65	provides	provide	VERB
ejif-4913	116	66	administrative	administrative	ADJ
ejif-4913	116	67	services	service	NOUN
ejif-4913	116	68	and	and	CCONJ
ejif-4913	116	69	information	information	NOUN
ejif-4913	116	70	,	,	PUNCT
ejif-4913	116	71	the	the	DET
ejif-4913	116	72	relationship	relationship	NOUN
ejif-4913	116	73	is	be	AUX
ejif-4913	116	74	called	call	VERB
ejif-4913	116	75	an	an	DET
ejif-4913	116	76	administrative	administrative	ADJ
ejif-4913	116	77	services	service	NOUN
ejif-4913	116	78	relationship	relationship	NOUN
ejif-4913	116	79	.	.	PUNCT
ejif-4913	117	1	the	the	DET
ejif-4913	117	2	difference	difference	NOUN
ejif-4913	117	3	between	between	ADP
ejif-4913	117	4	islamic	islamic	ADJ
ejif-4913	117	5	banks	bank	NOUN
ejif-4913	117	6	and	and	CCONJ
ejif-4913	117	7	conventional	conventional	ADJ
ejif-4913	117	8	banks	bank	NOUN
ejif-4913	117	9	can	can	AUX
ejif-4913	117	10	lead	lead	VERB
ejif-4913	117	11	to	to	ADP
ejif-4913	117	12	differences	difference	NOUN
ejif-4913	117	13	in	in	ADP
ejif-4913	117	14	financial	financial	ADJ
ejif-4913	117	15	intermediation	intermediation	NOUN
ejif-4913	117	16	.	.	PUNCT
ejif-4913	118	1	in	in	ADP
ejif-4913	118	2	fact	fact	NOUN
ejif-4913	118	3	,	,	PUNCT
ejif-4913	118	4	it	it	PRON
ejif-4913	118	5	does	do	AUX
ejif-4913	118	6	not	not	PART
ejif-4913	118	7	boil	boil	VERB
ejif-4913	118	8	down	down	ADP
ejif-4913	118	9	to	to	ADP
ejif-4913	118	10	simple	simple	ADJ
ejif-4913	118	11	loan	loan	NOUN
ejif-4913	118	12	-	-	PUNCT
ejif-4913	118	13	borrower	borrower	NOUN
ejif-4913	118	14	relationships	relationship	NOUN
ejif-4913	118	15	,	,	PUNCT
ejif-4913	118	16	but	but	CCONJ
ejif-4913	118	17	it	it	PRON
ejif-4913	118	18	develops	develop	VERB
ejif-4913	118	19	a	a	DET
ejif-4913	118	20	dual	dual	ADJ
ejif-4913	118	21	agency	agency	NOUN
ejif-4913	118	22	relationship	relationship	NOUN
ejif-4913	118	23	between	between	ADP
ejif-4913	118	24	the	the	DET
ejif-4913	118	25	bank	bank	NOUN
ejif-4913	118	26	and	and	CCONJ
ejif-4913	118	27	the	the	DET
ejif-4913	118	28	depositor	depositor	NOUN
ejif-4913	118	29	on	on	ADP
ejif-4913	118	30	the	the	DET
ejif-4913	118	31	one	one	NUM
ejif-4913	118	32	hand	hand	NOUN
ejif-4913	118	33	and	and	CCONJ
ejif-4913	118	34	the	the	DET
ejif-4913	118	35	bank	bank	NOUN
ejif-4913	118	36	and	and	CCONJ
ejif-4913	118	37	the	the	DET
ejif-4913	118	38	entrepreneur	entrepreneur	NOUN
ejif-4913	118	39	on	on	ADP
ejif-4913	118	40	the	the	DET
ejif-4913	118	41	other	other	ADJ
ejif-4913	118	42	hand[29].however	hand[29].however	NOUN
ejif-4913	118	43	,	,	PUNCT
ejif-4913	118	44	the	the	DET
ejif-4913	118	45	intermediation	intermediation	NOUN
ejif-4913	118	46	of	of	ADP
ejif-4913	118	47	islamic	islamic	ADJ
ejif-4913	118	48	banks	bank	NOUN
ejif-4913	118	49	,	,	PUNCT
ejif-4913	118	50	although	although	SCONJ
ejif-4913	118	51	special	special	ADJ
ejif-4913	118	52	,	,	PUNCT
ejif-4913	118	53	faces	face	VERB
ejif-4913	118	54	many	many	ADJ
ejif-4913	118	55	challenges	challenge	NOUN
ejif-4913	118	56	.	.	PUNCT
ejif-4913	119	1	the	the	DET
ejif-4913	119	2	organizational	organizational	ADJ
ejif-4913	119	3	structure	structure	NOUN
ejif-4913	119	4	of	of	ADP
ejif-4913	119	5	most	most	ADJ
ejif-4913	119	6	islamic	islamic	ADJ
ejif-4913	119	7	banks	bank	NOUN
ejif-4913	119	8	is	be	AUX
ejif-4913	119	9	not	not	PART
ejif-4913	119	10	conducive	conducive	ADJ
ejif-4913	119	11	to	to	ADP
ejif-4913	119	12	participatory	participatory	ADJ
ejif-4913	119	13	intermediation	intermediation	NOUN
ejif-4913	119	14	,	,	PUNCT
ejif-4913	119	15	which	which	PRON
ejif-4913	119	16	is	be	AUX
ejif-4913	119	17	more	more	ADV
ejif-4913	119	18	affected	affect	VERB
ejif-4913	119	19	by	by	ADP
ejif-4913	119	20	their	their	PRON
ejif-4913	119	21	small	small	ADJ
ejif-4913	119	22	size	size	NOUN
ejif-4913	119	23	[	[	X
ejif-4913	119	24	33	33	NUM
ejif-4913	119	25	]	]	PUNCT
ejif-4913	119	26	.	.	PUNCT
ejif-4913	120	1	property	property	NOUN
ejif-4913	120	2	rights	right	NOUN
ejif-4913	120	3	systems	system	NOUN
ejif-4913	120	4	are	be	AUX
ejif-4913	120	5	poorly	poorly	ADV
ejif-4913	120	6	defined	define	VERB
ejif-4913	120	7	and	and	CCONJ
ejif-4913	120	8	insufficiently	insufficiently	ADV
ejif-4913	120	9	protected	protect	VERB
ejif-4913	120	10	in	in	ADP
ejif-4913	120	11	muslim	muslim	ADJ
ejif-4913	120	12	countries	country	NOUN
ejif-4913	120	13	,	,	PUNCT
ejif-4913	120	14	making	make	VERB
ejif-4913	120	15	it	it	PRON
ejif-4913	120	16	impossible	impossible	ADJ
ejif-4913	120	17	to	to	PART
ejif-4913	120	18	share	share	VERB
ejif-4913	120	19	profits	profit	NOUN
ejif-4913	120	20	and	and	CCONJ
ejif-4913	120	21	losses	loss	NOUN
ejif-4913	120	22	themselves	themselves	PRON
ejif-4913	121	1	[	[	X
ejif-4913	121	2	34	34	NUM
ejif-4913	121	3	]	]	PUNCT
ejif-4913	121	4	.	.	PUNCT
ejif-4913	122	1	so	so	ADV
ejif-4913	122	2	far	far	ADV
ejif-4913	122	3	,	,	PUNCT
ejif-4913	122	4	islamic	islamic	ADJ
ejif-4913	122	5	commercial	commercial	ADJ
ejif-4913	122	6	banks	bank	NOUN
ejif-4913	122	7	have	have	AUX
ejif-4913	122	8	limited	limit	VERB
ejif-4913	122	9	themselves	themselves	PRON
ejif-4913	122	10	to	to	ADP
ejif-4913	122	11	a	a	DET
ejif-4913	122	12	virtual	virtual	ADJ
ejif-4913	122	13	replication	replication	NOUN
ejif-4913	122	14	of	of	ADP
ejif-4913	122	15	the	the	DET
ejif-4913	122	16	conventional	conventional	ADJ
ejif-4913	122	17	bankingbm	bankingbm	NOUN
ejif-4913	122	18	and	and	CCONJ
ejif-4913	122	19	based	base	VERB
ejif-4913	122	20	on	on	ADP
ejif-4913	122	21	a	a	DET
ejif-4913	122	22	banking	banking	NOUN
ejif-4913	122	23	intermediation	intermediation	NOUN
ejif-4913	122	24	structured	structure	VERB
ejif-4913	122	25	around	around	ADP
ejif-4913	122	26	the	the	DET
ejif-4913	122	27	use	use	NOUN
ejif-4913	122	28	of	of	ADP
ejif-4913	122	29	customer	customer	NOUN
ejif-4913	122	30	deposits	deposit	NOUN
ejif-4913	122	31	[	[	X
ejif-4913	122	32	18	18	NUM
ejif-4913	122	33	]	]	PUNCT
ejif-4913	122	34	.	.	PUNCT
ejif-4913	123	1	however	however	ADV
ejif-4913	123	2	,	,	PUNCT
ejif-4913	123	3	at	at	ADP
ejif-4913	123	4	a	a	DET
ejif-4913	123	5	time	time	NOUN
ejif-4913	123	6	when	when	SCONJ
ejif-4913	123	7	technology	technology	NOUN
ejif-4913	123	8	is	be	AUX
ejif-4913	123	9	changing	change	VERB
ejif-4913	123	10	the	the	DET
ejif-4913	123	11	way	way	NOUN
ejif-4913	123	12	customers	customer	NOUN
ejif-4913	123	13	interact	interact	VERB
ejif-4913	123	14	with	with	ADP
ejif-4913	123	15	their	their	PRON
ejif-4913	123	16	banks	bank	NOUN
ejif-4913	123	17	,	,	PUNCT
ejif-4913	123	18	islamic	islamic	ADJ
ejif-4913	123	19	banks	bank	NOUN
ejif-4913	123	20	now	now	ADV
ejif-4913	123	21	face	face	VERB
ejif-4913	123	22	competition	competition	NOUN
ejif-4913	123	23	not	not	PART
ejif-4913	123	24	only	only	ADV
ejif-4913	123	25	from	from	ADP
ejif-4913	123	26	conventional	conventional	ADJ
ejif-4913	123	27	banks	bank	NOUN
ejif-4913	123	28	but	but	CCONJ
ejif-4913	123	29	also	also	ADV
ejif-4913	123	30	from	from	ADP
ejif-4913	123	31	the	the	DET
ejif-4913	123	32	emergence	emergence	NOUN
ejif-4913	123	33	of	of	ADP
ejif-4913	123	34	non	non	ADJ
ejif-4913	123	35	-	-	ADJ
ejif-4913	123	36	conventional	conventional	ADJ
ejif-4913	123	37	bms	bms	NOUN
ejif-4913	123	38	based	base	VERB
ejif-4913	123	39	on	on	ADP
ejif-4913	123	40	fintech	fintech	NOUN
ejif-4913	123	41	.	.	PUNCT
ejif-4913	124	1	with	with	ADP
ejif-4913	124	2	the	the	DET
ejif-4913	124	3	advent	advent	NOUN
ejif-4913	124	4	of	of	ADP
ejif-4913	124	5	new	new	ADJ
ejif-4913	124	6	technologies	technology	NOUN
ejif-4913	124	7	and	and	CCONJ
ejif-4913	124	8	the	the	DET
ejif-4913	124	9	democratization	democratization	NOUN
ejif-4913	124	10	of	of	ADP
ejif-4913	124	11	the	the	DET
ejif-4913	124	12	internet	internet	NOUN
ejif-4913	124	13	,	,	PUNCT
ejif-4913	124	14	we	we	PRON
ejif-4913	124	15	see	see	VERB
ejif-4913	124	16	a	a	DET
ejif-4913	124	17	growing	grow	VERB
ejif-4913	124	18	gap	gap	NOUN
ejif-4913	124	19	in	in	ADP
ejif-4913	124	20	banking	banking	NOUN
ejif-4913	124	21	distribution	distribution	NOUN
ejif-4913	124	22	.	.	PUNCT
ejif-4913	125	1	as	as	SCONJ
ejif-4913	125	2	consumer	consumer	NOUN
ejif-4913	125	3	behavior	behavior	NOUN
ejif-4913	125	4	has	have	AUX
ejif-4913	125	5	also	also	ADV
ejif-4913	125	6	evolved	evolve	VERB
ejif-4913	125	7	,	,	PUNCT
ejif-4913	125	8	customers	customer	NOUN
ejif-4913	125	9	are	be	AUX
ejif-4913	125	10	more	more	ADV
ejif-4913	125	11	sophisticated	sophisticated	ADJ
ejif-4913	125	12	,	,	PUNCT
ejif-4913	125	13	more	more	ADV
ejif-4913	125	14	demanding	demanding	ADJ
ejif-4913	125	15	and	and	CCONJ
ejif-4913	125	16	less	less	ADV
ejif-4913	125	17	loyal	loyal	ADJ
ejif-4913	125	18	as	as	SCONJ
ejif-4913	125	19	they	they	PRON
ejif-4913	125	20	become	become	VERB
ejif-4913	125	21	very	very	ADV
ejif-4913	125	22	solicited	solicited	ADJ
ejif-4913	125	23	and	and	CCONJ
ejif-4913	125	24	courted	court	VERB
ejif-4913	125	25	.	.	PUNCT
ejif-4913	126	1	customers	customer	NOUN
ejif-4913	126	2	want	want	VERB
ejif-4913	126	3	more	more	ADJ
ejif-4913	126	4	speed	speed	NOUN
ejif-4913	126	5	in	in	ADP
ejif-4913	126	6	processing	process	VERB
ejif-4913	126	7	their	their	PRON
ejif-4913	126	8	requests	request	NOUN
ejif-4913	126	9	and	and	CCONJ
ejif-4913	126	10	they	they	PRON
ejif-4913	126	11	are	be	AUX
ejif-4913	126	12	also	also	ADV
ejif-4913	126	13	increasingly	increasingly	ADV
ejif-4913	126	14	informed	inform	VERB
ejif-4913	126	15	.	.	PUNCT
ejif-4913	127	1	ejif	ejif	PROPN
ejif-4913	127	2	–	–	PUNCT
ejif-4913	127	3	european	european	PROPN
ejif-4913	127	4	journal	journal	PROPN
ejif-4913	127	5	of	of	ADP
ejif-4913	127	6	islamic	islamic	PROPN
ejif-4913	127	7	finance	finance	PROPN
ejif-4913	127	8	islamic	islamic	PROPN
ejif-4913	127	9	finance	finance	NOUN
ejif-4913	127	10	role	role	NOUN
ejif-4913	127	11	in	in	ADP
ejif-4913	127	12	the	the	DET
ejif-4913	127	13	time	time	NOUN
ejif-4913	127	14	of	of	ADP
ejif-4913	127	15	covid-19	covid-19	PROPN
ejif-4913	127	16	pandemic	pandemic	NOUN
ejif-4913	127	17	,	,	PUNCT
ejif-4913	127	18	no	no	DET
ejif-4913	127	19	16	16	NUM
ejif-4913	127	20	,	,	PUNCT
ejif-4913	127	21	december	december	PROPN
ejif-4913	127	22	(	(	PUNCT
ejif-4913	127	23	2020	2020	NUM
ejif-4913	127	24	)	)	PUNCT
ejif-4913	128	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4913	128	2	issn	issn	VERB
ejif-4913	128	3	2421	2421	NUM
ejif-4913	128	4	-	-	SYM
ejif-4913	128	5	2172	2172	NUM
ejif-4913	128	6	doi	doi	NOUN
ejif-4913	128	7	:	:	PUNCT
ejif-4913	128	8	10.13135/2421	10.13135/2421	NUM
ejif-4913	128	9	-	-	SYM
ejif-4913	128	10	2172/4913	2172/4913	NUM
ejif-4913	128	11	5	5	NUM
ejif-4913	128	12	thus	thus	ADV
ejif-4913	128	13	,	,	PUNCT
ejif-4913	128	14	rethinking	rethink	VERB
ejif-4913	128	15	their	their	PRON
ejif-4913	128	16	bm	bm	PROPN
ejif-4913	128	17	through	through	ADP
ejif-4913	128	18	the	the	DET
ejif-4913	128	19	implementation	implementation	NOUN
ejif-4913	128	20	of	of	ADP
ejif-4913	128	21	new	new	ADJ
ejif-4913	128	22	tools	tool	NOUN
ejif-4913	128	23	,	,	PUNCT
ejif-4913	128	24	processes	process	NOUN
ejif-4913	128	25	and	and	CCONJ
ejif-4913	128	26	strategies	strategy	NOUN
ejif-4913	128	27	focused	focus	VERB
ejif-4913	128	28	on	on	ADP
ejif-4913	128	29	digital	digital	PROPN
ejif-4913	128	30	is	be	AUX
ejif-4913	128	31	fundamental	fundamental	ADJ
ejif-4913	128	32	for	for	ADP
ejif-4913	128	33	the	the	DET
ejif-4913	128	34	development	development	NOUN
ejif-4913	128	35	of	of	ADP
ejif-4913	128	36	the	the	DET
ejif-4913	128	37	customer	customer	NOUN
ejif-4913	128	38	portfolio	portfolio	NOUN
ejif-4913	128	39	of	of	ADP
ejif-4913	128	40	islamic	islamic	ADJ
ejif-4913	128	41	banks	bank	NOUN
ejif-4913	128	42	.	.	PUNCT
ejif-4913	129	1	while	while	SCONJ
ejif-4913	129	2	this	this	PRON
ejif-4913	129	3	will	will	AUX
ejif-4913	129	4	help	help	VERB
ejif-4913	129	5	islamic	islamic	ADJ
ejif-4913	129	6	banking	banking	NOUN
ejif-4913	129	7	to	to	PART
ejif-4913	129	8	respond	respond	VERB
ejif-4913	129	9	to	to	ADP
ejif-4913	129	10	the	the	DET
ejif-4913	129	11	changing	change	VERB
ejif-4913	129	12	economic	economic	ADJ
ejif-4913	129	13	structure	structure	NOUN
ejif-4913	129	14	and	and	CCONJ
ejif-4913	129	15	customer	customer	NOUN
ejif-4913	129	16	expectations	expectation	NOUN
ejif-4913	129	17	,	,	PUNCT
ejif-4913	129	18	it	it	PRON
ejif-4913	129	19	will	will	AUX
ejif-4913	129	20	also	also	ADV
ejif-4913	129	21	have	have	VERB
ejif-4913	129	22	a	a	DET
ejif-4913	129	23	positive	positive	ADJ
ejif-4913	129	24	impact	impact	NOUN
ejif-4913	129	25	on	on	ADP
ejif-4913	129	26	financial	financial	ADJ
ejif-4913	129	27	inclusion	inclusion	NOUN
ejif-4913	129	28	and	and	CCONJ
ejif-4913	129	29	improve	improve	VERB
ejif-4913	129	30	value	value	NOUN
ejif-4913	129	31	-	-	PUNCT
ejif-4913	129	32	based	base	VERB
ejif-4913	129	33	intermediation	intermediation	NOUN
ejif-4913	129	34	.	.	PUNCT
ejif-4913	130	1	islamic	islamic	ADJ
ejif-4913	130	2	banks	bank	NOUN
ejif-4913	130	3	are	be	AUX
ejif-4913	130	4	now	now	ADV
ejif-4913	130	5	called	call	VERB
ejif-4913	130	6	upon	upon	SCONJ
ejif-4913	130	7	to	to	PART
ejif-4913	130	8	offer	offer	VERB
ejif-4913	130	9	innovative	innovative	ADJ
ejif-4913	130	10	products	product	NOUN
ejif-4913	130	11	and	and	CCONJ
ejif-4913	130	12	services	service	NOUN
ejif-4913	130	13	in	in	ADP
ejif-4913	130	14	a	a	DET
ejif-4913	130	15	way	way	NOUN
ejif-4913	130	16	that	that	PRON
ejif-4913	130	17	takes	take	VERB
ejif-4913	130	18	advantage	advantage	NOUN
ejif-4913	130	19	of	of	ADP
ejif-4913	130	20	technological	technological	ADJ
ejif-4913	130	21	progress	progress	NOUN
ejif-4913	130	22	and	and	CCONJ
ejif-4913	130	23	promotes	promote	VERB
ejif-4913	130	24	financial	financial	ADJ
ejif-4913	130	25	inclusion	inclusion	NOUN
ejif-4913	130	26	without	without	ADP
ejif-4913	130	27	compromising	compromise	VERB
ejif-4913	130	28	the	the	DET
ejif-4913	130	29	fundamental	fundamental	ADJ
ejif-4913	130	30	sharia	sharia	PROPN
ejif-4913	130	31	premise	premise	NOUN
ejif-4913	130	32	on	on	ADP
ejif-4913	130	33	which	which	PRON
ejif-4913	130	34	islamic	islamic	ADJ
ejif-4913	130	35	banking	banking	NOUN
ejif-4913	130	36	is	be	AUX
ejif-4913	130	37	built	build	VERB
ejif-4913	130	38	or	or	CCONJ
ejif-4913	130	39	violating	violate	VERB
ejif-4913	130	40	its	its	PRON
ejif-4913	130	41	essential	essential	ADJ
ejif-4913	130	42	elements	element	NOUN
ejif-4913	130	43	of	of	ADP
ejif-4913	130	44	fair	fair	ADJ
ejif-4913	130	45	value	value	NOUN
ejif-4913	130	46	-	-	PUNCT
ejif-4913	130	47	based	base	VERB
ejif-4913	130	48	intermediation	intermediation	NOUN
ejif-4913	130	49	.	.	PUNCT
ejif-4913	131	1	b.	b.	NOUN
ejif-4913	131	2	digitalization	digitalization	NOUN
ejif-4913	131	3	challenges	challenge	VERB
ejif-4913	131	4	the	the	DET
ejif-4913	131	5	banking	banking	NOUN
ejif-4913	131	6	world	world	NOUN
ejif-4913	131	7	has	have	AUX
ejif-4913	131	8	begun	begin	VERB
ejif-4913	131	9	the	the	DET
ejif-4913	131	10	shift	shift	NOUN
ejif-4913	131	11	to	to	ADP
ejif-4913	131	12	digitalization	digitalization	NOUN
ejif-4913	131	13	to	to	PART
ejif-4913	131	14	get	get	VERB
ejif-4913	131	15	to	to	PART
ejif-4913	131	16	know	know	VERB
ejif-4913	131	17	the	the	DET
ejif-4913	131	18	customers	customer	NOUN
ejif-4913	131	19	better	well	ADV
ejif-4913	131	20	,	,	PUNCT
ejif-4913	131	21	to	to	PART
ejif-4913	131	22	support	support	VERB
ejif-4913	131	23	them	they	PRON
ejif-4913	131	24	in	in	ADP
ejif-4913	131	25	a	a	DET
ejif-4913	131	26	new	new	ADJ
ejif-4913	131	27	paradigm	paradigm	NOUN
ejif-4913	131	28	and	and	CCONJ
ejif-4913	131	29	anticipates	anticipate	VERB
ejif-4913	131	30	their	their	PRON
ejif-4913	131	31	needs	need	NOUN
ejif-4913	131	32	.	.	PUNCT
ejif-4913	132	1	it	it	PRON
ejif-4913	132	2	is	be	AUX
ejif-4913	132	3	the	the	DET
ejif-4913	132	4	bm	bm	PROPN
ejif-4913	132	5	itself	itself	PRON
ejif-4913	132	6	that	that	PRON
ejif-4913	132	7	is	be	AUX
ejif-4913	132	8	changing	change	VERB
ejif-4913	132	9	,	,	PUNCT
ejif-4913	132	10	moving	move	VERB
ejif-4913	132	11	from	from	ADP
ejif-4913	132	12	what	what	PRON
ejif-4913	132	13	is	be	AUX
ejif-4913	132	14	usually	usually	ADV
ejif-4913	132	15	presented	present	VERB
ejif-4913	132	16	as	as	ADP
ejif-4913	132	17	a	a	DET
ejif-4913	132	18	vertical	vertical	ADJ
ejif-4913	132	19	organization	organization	NOUN
ejif-4913	132	20	(	(	PUNCT
ejif-4913	132	21	around	around	ADP
ejif-4913	132	22	products	product	NOUN
ejif-4913	132	23	)	)	PUNCT
ejif-4913	132	24	to	to	ADP
ejif-4913	132	25	a	a	DET
ejif-4913	132	26	horizontal	horizontal	ADJ
ejif-4913	132	27	organization	organization	NOUN
ejif-4913	132	28	(	(	PUNCT
ejif-4913	132	29	around	around	ADP
ejif-4913	132	30	customers	customer	NOUN
ejif-4913	132	31	)	)	PUNCT
ejif-4913	132	32	.	.	PUNCT
ejif-4913	133	1	the	the	DET
ejif-4913	133	2	digitalization	digitalization	NOUN
ejif-4913	133	3	of	of	ADP
ejif-4913	133	4	a	a	DET
ejif-4913	133	5	bank	bank	NOUN
ejif-4913	133	6	does	do	AUX
ejif-4913	133	7	not	not	PART
ejif-4913	133	8	stop	stop	VERB
ejif-4913	133	9	with	with	ADP
ejif-4913	133	10	the	the	DET
ejif-4913	133	11	creation	creation	NOUN
ejif-4913	133	12	of	of	ADP
ejif-4913	133	13	a	a	DET
ejif-4913	133	14	website	website	NOUN
ejif-4913	133	15	for	for	ADP
ejif-4913	133	16	remote	remote	ADJ
ejif-4913	133	17	banking	banking	NOUN
ejif-4913	133	18	(	(	PUNCT
ejif-4913	133	19	e	e	NOUN
ejif-4913	133	20	-	-	NOUN
ejif-4913	133	21	banking	banking	NOUN
ejif-4913	133	22	)	)	PUNCT
ejif-4913	133	23	or	or	CCONJ
ejif-4913	133	24	the	the	DET
ejif-4913	133	25	development	development	NOUN
ejif-4913	133	26	of	of	ADP
ejif-4913	133	27	a	a	DET
ejif-4913	133	28	mobile	mobile	ADJ
ejif-4913	133	29	application	application	NOUN
ejif-4913	133	30	(	(	PUNCT
ejif-4913	133	31	m	m	NOUN
ejif-4913	133	32	-	-	NOUN
ejif-4913	133	33	banking	banking	NOUN
ejif-4913	133	34	)	)	PUNCT
ejif-4913	133	35	that	that	PRON
ejif-4913	133	36	can	can	AUX
ejif-4913	133	37	be	be	AUX
ejif-4913	133	38	downloaded	download	VERB
ejif-4913	133	39	to	to	ADP
ejif-4913	133	40	its	its	PRON
ejif-4913	133	41	customers	customer	NOUN
ejif-4913	133	42	'	'	PART
ejif-4913	133	43	smartphone	smartphone	NOUN
ejif-4913	133	44	.	.	PUNCT
ejif-4913	134	1	it	it	PRON
ejif-4913	134	2	is	be	AUX
ejif-4913	134	3	the	the	DET
ejif-4913	134	4	entire	entire	ADJ
ejif-4913	134	5	organization	organization	NOUN
ejif-4913	134	6	that	that	PRON
ejif-4913	134	7	needs	need	VERB
ejif-4913	134	8	to	to	PART
ejif-4913	134	9	be	be	AUX
ejif-4913	134	10	reviewed	review	VERB
ejif-4913	134	11	so	so	SCONJ
ejif-4913	134	12	that	that	SCONJ
ejif-4913	134	13	data	datum	NOUN
ejif-4913	134	14	can	can	AUX
ejif-4913	134	15	play	play	VERB
ejif-4913	134	16	its	its	PRON
ejif-4913	134	17	full	full	ADJ
ejif-4913	134	18	role	role	NOUN
ejif-4913	134	19	,	,	PUNCT
ejif-4913	134	20	that	that	SCONJ
ejif-4913	134	21	there	there	PRON
ejif-4913	134	22	is	be	VERB
ejif-4913	134	23	hyper	hyper	ADJ
ejif-4913	134	24	automation	automation	NOUN
ejif-4913	134	25	of	of	ADP
ejif-4913	134	26	operations	operation	NOUN
ejif-4913	134	27	,	,	PUNCT
ejif-4913	134	28	management	management	NOUN
ejif-4913	134	29	through	through	ADP
ejif-4913	134	30	analytics	analytic	NOUN
ejif-4913	134	31	and	and	CCONJ
ejif-4913	134	32	optimal	optimal	ADJ
ejif-4913	134	33	service	service	NOUN
ejif-4913	134	34	to	to	ADP
ejif-4913	134	35	the	the	DET
ejif-4913	134	36	customer	customer	NOUN
ejif-4913	134	37	.	.	PUNCT
ejif-4913	135	1	the	the	DET
ejif-4913	135	2	consultancy	consultancy	NOUN
ejif-4913	135	3	firm	firm	NOUN
ejif-4913	135	4	trusted	trust	VERB
ejif-4913	135	5	advisors	advisor	NOUN
ejif-4913	135	6	,	,	PUNCT
ejif-4913	135	7	which	which	PRON
ejif-4913	135	8	has	have	AUX
ejif-4913	135	9	been	be	AUX
ejif-4913	135	10	closely	closely	ADV
ejif-4913	135	11	following	follow	VERB
ejif-4913	135	12	the	the	DET
ejif-4913	135	13	digital	digital	ADJ
ejif-4913	135	14	evolution	evolution	NOUN
ejif-4913	135	15	of	of	ADP
ejif-4913	135	16	the	the	DET
ejif-4913	135	17	banking	banking	NOUN
ejif-4913	135	18	sector	sector	NOUN
ejif-4913	135	19	in	in	ADP
ejif-4913	135	20	africa	africa	PROPN
ejif-4913	135	21	and	and	CCONJ
ejif-4913	135	22	the	the	DET
ejif-4913	135	23	middle	middle	PROPN
ejif-4913	135	24	east	east	PROPN
ejif-4913	135	25	for	for	ADP
ejif-4913	135	26	several	several	ADJ
ejif-4913	135	27	years	year	NOUN
ejif-4913	135	28	,	,	PUNCT
ejif-4913	135	29	conducted	conduct	VERB
ejif-4913	135	30	an	an	DET
ejif-4913	135	31	indepth	indepth	ADJ
ejif-4913	135	32	study	study	NOUN
ejif-4913	135	33	in	in	ADP
ejif-4913	135	34	2019	2019	NUM
ejif-4913	135	35	of	of	ADP
ejif-4913	135	36	certain	certain	ADJ
ejif-4913	135	37	banks	bank	NOUN
ejif-4913	135	38	in	in	ADP
ejif-4913	135	39	this	this	DET
ejif-4913	135	40	geographical	geographical	ADJ
ejif-4913	135	41	area	area	NOUN
ejif-4913	135	42	that	that	PRON
ejif-4913	135	43	have	have	AUX
ejif-4913	135	44	begun	begin	VERB
ejif-4913	135	45	the	the	DET
ejif-4913	135	46	process	process	NOUN
ejif-4913	135	47	of	of	ADP
ejif-4913	135	48	digital	digital	ADJ
ejif-4913	135	49	transformation	transformation	NOUN
ejif-4913	135	50	.	.	PUNCT
ejif-4913	136	1	for	for	SCONJ
ejif-4913	136	2	a	a	DET
ejif-4913	136	3	bank	bank	NOUN
ejif-4913	136	4	to	to	PART
ejif-4913	136	5	succeed	succeed	VERB
ejif-4913	136	6	in	in	ADP
ejif-4913	136	7	its	its	PRON
ejif-4913	136	8	digital	digital	ADJ
ejif-4913	136	9	transformation	transformation	NOUN
ejif-4913	136	10	on	on	ADP
ejif-4913	136	11	a	a	DET
ejif-4913	136	12	solid	solid	ADJ
ejif-4913	136	13	and	and	CCONJ
ejif-4913	136	14	sustainable	sustainable	ADJ
ejif-4913	136	15	basis	basis	NOUN
ejif-4913	136	16	and	and	CCONJ
ejif-4913	136	17	take	take	VERB
ejif-4913	136	18	full	full	ADJ
ejif-4913	136	19	advantage	advantage	NOUN
ejif-4913	136	20	of	of	ADP
ejif-4913	136	21	the	the	DET
ejif-4913	136	22	benefits	benefit	NOUN
ejif-4913	136	23	of	of	ADP
ejif-4913	136	24	digitalization	digitalization	NOUN
ejif-4913	136	25	,	,	PUNCT
ejif-4913	136	26	the	the	DET
ejif-4913	136	27	study	study	NOUN
ejif-4913	136	28	identified	identify	VERB
ejif-4913	136	29	several	several	ADJ
ejif-4913	136	30	levers	lever	NOUN
ejif-4913	136	31	for	for	ADP
ejif-4913	136	32	success	success	NOUN
ejif-4913	136	33	that	that	PRON
ejif-4913	136	34	we	we	PRON
ejif-4913	136	35	summarize	summarize	VERB
ejif-4913	136	36	in	in	ADP
ejif-4913	136	37	the	the	DET
ejif-4913	136	38	following	follow	VERB
ejif-4913	136	39	points	point	NOUN
ejif-4913	136	40	[	[	X
ejif-4913	136	41	35	35	NUM
ejif-4913	136	42	]	]	NUM
ejif-4913	136	43	:	:	PUNCT
ejif-4913	136	44			X
ejif-4913	136	45	digital	digital	ADJ
ejif-4913	136	46	strategic	strategic	ADJ
ejif-4913	136	47	vision	vision	NOUN
ejif-4913	136	48	transcribed	transcribe	VERB
ejif-4913	136	49	into	into	ADP
ejif-4913	136	50	an	an	DET
ejif-4913	136	51	in	in	ADP
ejif-4913	136	52	-	-	PUNCT
ejif-4913	136	53	depth	depth	NOUN
ejif-4913	136	54	transformation	transformation	NOUN
ejif-4913	136	55	plan	plan	NOUN
ejif-4913	136	56	and	and	CCONJ
ejif-4913	136	57	implementation	implementation	NOUN
ejif-4913	136	58	trajectory	trajectory	NOUN
ejif-4913	136	59	;	;	PUNCT
ejif-4913	136	60			PUNCT
ejif-4913	136	61	dematerialization	dematerialization	NOUN
ejif-4913	136	62	of	of	ADP
ejif-4913	136	63	internal	internal	ADJ
ejif-4913	136	64	processes	process	NOUN
ejif-4913	136	65	:	:	PUNCT
ejif-4913	136	66	towards	towards	ADP
ejif-4913	136	67	an	an	DET
ejif-4913	136	68	acceleration	acceleration	NOUN
ejif-4913	136	69	and	and	CCONJ
ejif-4913	136	70	optimization	optimization	NOUN
ejif-4913	136	71	of	of	ADP
ejif-4913	136	72	internal	internal	ADJ
ejif-4913	136	73	exchange	exchange	NOUN
ejif-4913	136	74	flows	flow	NOUN
ejif-4913	136	75	(	(	PUNCT
ejif-4913	136	76	with	with	ADP
ejif-4913	136	77	an	an	DET
ejif-4913	136	78	it	it	PRON
ejif-4913	136	79	/	/	SYM
ejif-4913	136	80	business	business	NOUN
ejif-4913	136	81	/	/	SYM
ejif-4913	136	82	network	network	NOUN
ejif-4913	136	83	synergy	synergy	NOUN
ejif-4913	136	84	to	to	PART
ejif-4913	136	85	be	be	AUX
ejif-4913	136	86	created	create	VERB
ejif-4913	136	87	and	and	CCONJ
ejif-4913	136	88	maintained	maintain	VERB
ejif-4913	136	89	)	)	PUNCT
ejif-4913	136	90	and	and	CCONJ
ejif-4913	136	91	flows	flow	NOUN
ejif-4913	136	92	between	between	ADP
ejif-4913	136	93	the	the	DET
ejif-4913	136	94	bank	bank	NOUN
ejif-4913	136	95	and	and	CCONJ
ejif-4913	136	96	its	its	PRON
ejif-4913	136	97	customers	customer	NOUN
ejif-4913	136	98	or	or	CCONJ
ejif-4913	136	99	partners	partner	NOUN
ejif-4913	136	100	;	;	PUNCT
ejif-4913	136	101			DET
ejif-4913	136	102	reinforcement	reinforcement	NOUN
ejif-4913	136	103	of	of	ADP
ejif-4913	136	104	customer	customer	NOUN
ejif-4913	136	105	relationship	relationship	NOUN
ejif-4913	136	106	management	management	NOUN
ejif-4913	136	107	:	:	PUNCT
ejif-4913	136	108	towards	towards	ADP
ejif-4913	136	109	an	an	DET
ejif-4913	136	110	improved	improved	ADJ
ejif-4913	136	111	time	time	NOUN
ejif-4913	136	112	to	to	ADP
ejif-4913	136	113	market	market	NOUN
ejif-4913	136	114	for	for	ADP
ejif-4913	136	115	the	the	DET
ejif-4913	136	116	greatest	great	ADJ
ejif-4913	136	117	satisfaction	satisfaction	NOUN
ejif-4913	136	118	,	,	PUNCT
ejif-4913	136	119	thanks	thank	NOUN
ejif-4913	136	120	to	to	ADP
ejif-4913	136	121	the	the	DET
ejif-4913	136	122	integration	integration	NOUN
ejif-4913	136	123	of	of	ADP
ejif-4913	136	124	new	new	ADJ
ejif-4913	136	125	analytical	analytical	ADJ
ejif-4913	136	126	tools	tool	NOUN
ejif-4913	136	127	;	;	PUNCT
ejif-4913	136	128			PRON
ejif-4913	136	129	building	build	VERB
ejif-4913	136	130	a	a	DET
ejif-4913	136	131	competitive	competitive	ADJ
ejif-4913	136	132	advantage	advantage	NOUN
ejif-4913	136	133	:	:	PUNCT
ejif-4913	136	134	leveraging	leverage	VERB
ejif-4913	136	135	an	an	DET
ejif-4913	136	136	institution	institution	NOUN
ejif-4913	136	137	providing	provide	VERB
ejif-4913	136	138	financial	financial	ADJ
ejif-4913	136	139	services	service	NOUN
ejif-4913	136	140	(	(	PUNCT
ejif-4913	136	141	mass	mass	NOUN
ejif-4913	136	142	retail	retail	NOUN
ejif-4913	136	143	,	,	PUNCT
ejif-4913	136	144	fintech	fintech	NOUN
ejif-4913	136	145	,	,	PUNCT
ejif-4913	136	146	etc	etc	X
ejif-4913	136	147	.	.	X
ejif-4913	136	148	)	)	PUNCT
ejif-4913	136	149	,	,	PUNCT
ejif-4913	136	150	creating	create	VERB
ejif-4913	136	151	an	an	DET
ejif-4913	136	152	attractive	attractive	ADJ
ejif-4913	136	153	appealing	appealing	ADJ
ejif-4913	136	154	product	product	NOUN
ejif-4913	136	155	(	(	PUNCT
ejif-4913	136	156	such	such	ADJ
ejif-4913	136	157	as	as	ADP
ejif-4913	136	158	a	a	DET
ejif-4913	136	159	savings	savings	NOUN
ejif-4913	136	160	account	account	NOUN
ejif-4913	136	161	with	with	ADP
ejif-4913	136	162	a	a	DET
ejif-4913	136	163	high	high	ADJ
ejif-4913	136	164	interest	interest	NOUN
ejif-4913	136	165	rate	rate	NOUN
ejif-4913	136	166	)	)	PUNCT
ejif-4913	136	167	or	or	CCONJ
ejif-4913	136	168	an	an	DET
ejif-4913	136	169	innovative	innovative	ADJ
ejif-4913	136	170	service	service	NOUN
ejif-4913	136	171	are	be	AUX
ejif-4913	136	172	the	the	DET
ejif-4913	136	173	main	main	ADJ
ejif-4913	136	174	ways	way	NOUN
ejif-4913	136	175	to	to	PART
ejif-4913	136	176	build	build	VERB
ejif-4913	136	177	a	a	DET
ejif-4913	136	178	competitive	competitive	ADJ
ejif-4913	136	179	advantage	advantage	NOUN
ejif-4913	136	180	;	;	PUNCT
ejif-4913	136	181			PRON
ejif-4913	136	182	a	a	DET
ejif-4913	136	183	sustainable	sustainable	ADJ
ejif-4913	136	184	federation	federation	NOUN
ejif-4913	136	185	of	of	ADP
ejif-4913	136	186	an	an	DET
ejif-4913	136	187	internal	internal	ADJ
ejif-4913	136	188	innovation	innovation	NOUN
ejif-4913	136	189	ecosystem	ecosystem	NOUN
ejif-4913	136	190	based	base	VERB
ejif-4913	136	191	on	on	ADP
ejif-4913	136	192	the	the	DET
ejif-4913	136	193	digital	digital	ADJ
ejif-4913	136	194	acculturation	acculturation	NOUN
ejif-4913	136	195	of	of	ADP
ejif-4913	136	196	employees	employee	NOUN
ejif-4913	136	197	and	and	CCONJ
ejif-4913	136	198	enabling	enable	VERB
ejif-4913	136	199	the	the	DET
ejif-4913	136	200	continuous	continuous	ADJ
ejif-4913	136	201	development	development	NOUN
ejif-4913	136	202	of	of	ADP
ejif-4913	136	203	new	new	ADJ
ejif-4913	136	204	digital	digital	ADJ
ejif-4913	136	205	banking	banking	NOUN
ejif-4913	136	206	services	service	NOUN
ejif-4913	136	207	and	and	CCONJ
ejif-4913	136	208	products	product	NOUN
ejif-4913	136	209	.	.	PUNCT
ejif-4913	137	1	nevertheless	nevertheless	ADV
ejif-4913	137	2	,	,	PUNCT
ejif-4913	137	3	the	the	DET
ejif-4913	137	4	digital	digital	ADJ
ejif-4913	137	5	transformation	transformation	NOUN
ejif-4913	137	6	presents	present	VERB
ejif-4913	137	7	risks	risk	NOUN
ejif-4913	137	8	for	for	ADP
ejif-4913	137	9	the	the	DET
ejif-4913	137	10	bank	bank	NOUN
ejif-4913	137	11	,	,	PUNCT
ejif-4913	137	12	such	such	ADJ
ejif-4913	137	13	as	as	ADP
ejif-4913	137	14	cyber	cyber	NOUN
ejif-4913	137	15	-	-	PUNCT
ejif-4913	137	16	attacks	attack	NOUN
ejif-4913	137	17	,	,	PUNCT
ejif-4913	137	18	malware	malware	NOUN
ejif-4913	137	19	,	,	PUNCT
ejif-4913	137	20	hacking	hack	VERB
ejif-4913	137	21	and	and	CCONJ
ejif-4913	137	22	spoofing	spoof	VERB
ejif-4913	137	23	attacks	attack	NOUN
ejif-4913	137	24	.	.	PUNCT
ejif-4913	138	1	according	accord	VERB
ejif-4913	138	2	to	to	ADP
ejif-4913	138	3	the	the	DET
ejif-4913	138	4	general	general	ADJ
ejif-4913	138	5	council	council	PROPN
ejif-4913	138	6	of	of	ADP
ejif-4913	138	7	islamic	islamic	ADJ
ejif-4913	138	8	banks	bank	NOUN
ejif-4913	138	9	and	and	CCONJ
ejif-4913	138	10	financial	financial	ADJ
ejif-4913	138	11	institutions	institution	NOUN
ejif-4913	138	12	(	(	PUNCT
ejif-4913	138	13	cibafi	cibafi	PROPN
ejif-4913	138	14	)	)	PUNCT
ejif-4913	138	15	,	,	PUNCT
ejif-4913	138	16	technological	technological	ADJ
ejif-4913	138	17	risks	risk	NOUN
ejif-4913	138	18	are	be	AUX
ejif-4913	138	19	the	the	DET
ejif-4913	138	20	biggest	big	ADJ
ejif-4913	138	21	risks	risk	NOUN
ejif-4913	138	22	faced	face	VERB
ejif-4913	138	23	by	by	ADP
ejif-4913	138	24	islamic	islamic	ADJ
ejif-4913	138	25	banks	bank	NOUN
ejif-4913	138	26	in	in	ADP
ejif-4913	138	27	2019	2019	NUM
ejif-4913	138	28	with	with	ADP
ejif-4913	138	29	a	a	DET
ejif-4913	138	30	score	score	NOUN
ejif-4913	138	31	of	of	ADP
ejif-4913	138	32	3.56	3.56	NUM
ejif-4913	138	33	for	for	ADP
ejif-4913	138	34	cyber	cyber	NOUN
ejif-4913	138	35	-	-	PUNCT
ejif-4913	138	36	attacks	attack	NOUN
ejif-4913	138	37	,	,	PUNCT
ejif-4913	138	38	a	a	DET
ejif-4913	138	39	worsening	worsening	NOUN
ejif-4913	138	40	compared	compare	VERB
ejif-4913	138	41	to	to	ADP
ejif-4913	138	42	that	that	PRON
ejif-4913	138	43	recorded	record	VERB
ejif-4913	138	44	in	in	ADP
ejif-4913	138	45	2018	2018	NUM
ejif-4913	138	46	(	(	PUNCT
ejif-4913	138	47	3.41)[36	3.41)[36	NUM
ejif-4913	138	48	]	]	PUNCT
ejif-4913	138	49	.	.	PUNCT
ejif-4913	139	1	this	this	DET
ejif-4913	139	2	upward	upward	ADJ
ejif-4913	139	3	trend	trend	NOUN
ejif-4913	139	4	in	in	ADP
ejif-4913	139	5	technology	technology	NOUN
ejif-4913	139	6	risk	risk	NOUN
ejif-4913	139	7	scores	score	NOUN
ejif-4913	139	8	is	be	AUX
ejif-4913	139	9	plausible	plausible	ADJ
ejif-4913	139	10	given	give	VERB
ejif-4913	139	11	the	the	DET
ejif-4913	139	12	growth	growth	NOUN
ejif-4913	139	13	of	of	ADP
ejif-4913	139	14	e	e	NOUN
ejif-4913	139	15	-	-	NOUN
ejif-4913	139	16	banking	banking	ADJ
ejif-4913	139	17	and	and	CCONJ
ejif-4913	139	18	related	related	ADJ
ejif-4913	139	19	threats	threat	NOUN
ejif-4913	139	20	.	.	PUNCT
ejif-4913	140	1	it	it	PRON
ejif-4913	140	2	is	be	AUX
ejif-4913	140	3	therefore	therefore	ADV
ejif-4913	140	4	crucial	crucial	ADJ
ejif-4913	140	5	that	that	SCONJ
ejif-4913	140	6	as	as	SCONJ
ejif-4913	140	7	banks	bank	NOUN
ejif-4913	140	8	strive	strive	VERB
ejif-4913	140	9	to	to	PART
ejif-4913	140	10	expand	expand	VERB
ejif-4913	140	11	their	their	PRON
ejif-4913	140	12	customer	customer	NOUN
ejif-4913	140	13	base	base	NOUN
ejif-4913	140	14	and	and	CCONJ
ejif-4913	140	15	offer	offer	VERB
ejif-4913	140	16	new	new	ADJ
ejif-4913	140	17	financial	financial	ADJ
ejif-4913	140	18	products	product	NOUN
ejif-4913	140	19	and	and	CCONJ
ejif-4913	140	20	services	service	NOUN
ejif-4913	140	21	,	,	PUNCT
ejif-4913	140	22	they	they	PRON
ejif-4913	140	23	put	put	VERB
ejif-4913	140	24	in	in	ADP
ejif-4913	140	25	place	place	NOUN
ejif-4913	140	26	the	the	DET
ejif-4913	140	27	tools	tool	NOUN
ejif-4913	140	28	to	to	PART
ejif-4913	140	29	control	control	VERB
ejif-4913	140	30	cyber	cyber	ADJ
ejif-4913	140	31	security	security	NOUN
ejif-4913	140	32	risk	risk	NOUN
ejif-4913	140	33	and	and	CCONJ
ejif-4913	140	34	enhance	enhance	VERB
ejif-4913	140	35	the	the	DET
ejif-4913	140	36	security	security	NOUN
ejif-4913	140	37	of	of	ADP
ejif-4913	140	38	customers	customer	NOUN
ejif-4913	140	39	'	'	PART
ejif-4913	140	40	personal	personal	ADJ
ejif-4913	140	41	data	datum	NOUN
ejif-4913	140	42	.	.	PUNCT
ejif-4913	141	1	addressing	address	VERB
ejif-4913	141	2	customer	customer	NOUN
ejif-4913	141	3	needs	need	VERB
ejif-4913	141	4	in	in	ADP
ejif-4913	141	5	an	an	DET
ejif-4913	141	6	increasingly	increasingly	ADV
ejif-4913	141	7	digital	digital	ADJ
ejif-4913	141	8	world	world	NOUN
ejif-4913	141	9	means	mean	VERB
ejif-4913	141	10	disrupting	disrupt	VERB
ejif-4913	141	11	existing	exist	VERB
ejif-4913	141	12	business	business	NOUN
ejif-4913	141	13	models	model	NOUN
ejif-4913	141	14	for	for	ADP
ejif-4913	141	15	a	a	DET
ejif-4913	141	16	fresh	fresh	ADJ
ejif-4913	141	17	customer	customer	NOUN
ejif-4913	141	18	experience	experience	NOUN
ejif-4913	141	19	.	.	PUNCT
ejif-4913	142	1	therefore	therefore	ADV
ejif-4913	142	2	,	,	PUNCT
ejif-4913	142	3	any	any	DET
ejif-4913	142	4	investment	investment	NOUN
ejif-4913	142	5	in	in	ADP
ejif-4913	142	6	this	this	DET
ejif-4913	142	7	area	area	NOUN
ejif-4913	142	8	has	have	VERB
ejif-4913	142	9	to	to	PART
ejif-4913	142	10	be	be	AUX
ejif-4913	142	11	made	make	VERB
ejif-4913	142	12	wisely	wisely	ADV
ejif-4913	142	13	.	.	PUNCT
ejif-4913	143	1	iv	iv	X
ejif-4913	143	2	.	.	PUNCT
ejif-4913	143	3	empiracal	empiracal	ADJ
ejif-4913	143	4	study	study	NOUN
ejif-4913	143	5	:	:	PUNCT
ejif-4913	143	6	digitalization	digitalization	NOUN
ejif-4913	143	7	perspectives	perspective	NOUN
ejif-4913	143	8	of	of	ADP
ejif-4913	143	9	moroccan	moroccan	PROPN
ejif-4913	143	10	participatory	participatory	PROPN
ejif-4913	143	11	banking	banking	PROPN
ejif-4913	143	12	institutions	institution	NOUN
ejif-4913	143	13	a.	a.	NOUN
ejif-4913	143	14	inventory	inventory	NOUN
ejif-4913	143	15	of	of	ADP
ejif-4913	143	16	the	the	DET
ejif-4913	143	17	developpement	developpement	NOUN
ejif-4913	143	18	of	of	ADP
ejif-4913	143	19	digitalization	digitalization	NOUN
ejif-4913	143	20	of	of	ADP
ejif-4913	143	21	banking	banking	NOUN
ejif-4913	143	22	services	service	NOUN
ejif-4913	143	23	in	in	ADP
ejif-4913	143	24	morocco	morocco	PROPN
ejif-4913	143	25	in	in	ADP
ejif-4913	143	26	recent	recent	ADJ
ejif-4913	143	27	years	year	NOUN
ejif-4913	143	28	,	,	PUNCT
ejif-4913	143	29	especially	especially	ADV
ejif-4913	143	30	after	after	SCONJ
ejif-4913	143	31	morocco	morocco	PROPN
ejif-4913	143	32	’s	’s	PART
ejif-4913	143	33	ministry	ministry	PROPN
ejif-4913	143	34	of	of	ADP
ejif-4913	143	35	industry	industry	PROPN
ejif-4913	143	36	,	,	PUNCT
ejif-4913	143	37	investment	investment	NOUN
ejif-4913	143	38	,	,	PUNCT
ejif-4913	143	39	trade	trade	NOUN
ejif-4913	143	40	,	,	PUNCT
ejif-4913	143	41	and	and	CCONJ
ejif-4913	143	42	digital	digital	ADJ
ejif-4913	143	43	economy	economy	NOUN
ejif-4913	143	44	created	create	VERB
ejif-4913	143	45	the	the	DET
ejif-4913	143	46	agency	agency	NOUN
ejif-4913	143	47	for	for	ADP
ejif-4913	143	48	digital	digital	ADJ
ejif-4913	143	49	development	development	NOUN
ejif-4913	143	50	(	(	PUNCT
ejif-4913	143	51	add	add	VERB
ejif-4913	143	52	)	)	PUNCT
ejif-4913	143	53	in	in	ADP
ejif-4913	143	54	2017	2017	NUM
ejif-4913	143	55	,	,	PUNCT
ejif-4913	143	56	the	the	DET
ejif-4913	143	57	digitalization	digitalization	NOUN
ejif-4913	143	58	sector	sector	NOUN
ejif-4913	143	59	has	have	AUX
ejif-4913	143	60	boomed	boom	VERB
ejif-4913	143	61	.	.	PUNCT
ejif-4913	144	1	governmental	governmental	ADJ
ejif-4913	144	2	institutions	institution	NOUN
ejif-4913	144	3	and	and	CCONJ
ejif-4913	144	4	several	several	ADJ
ejif-4913	144	5	major	major	ADJ
ejif-4913	144	6	companies	company	NOUN
ejif-4913	144	7	launched	launch	VERB
ejif-4913	144	8	a	a	DET
ejif-4913	144	9	digital	digital	ADJ
ejif-4913	144	10	transformation	transformation	NOUN
ejif-4913	144	11	process	process	NOUN
ejif-4913	144	12	to	to	PART
ejif-4913	144	13	meet	meet	VERB
ejif-4913	144	14	their	their	PRON
ejif-4913	144	15	customers	customer	NOUN
ejif-4913	144	16	’	'	PUNCT
ejif-4913	144	17	needs	need	NOUN
ejif-4913	144	18	.	.	PUNCT
ejif-4913	145	1	moroccan	moroccan	ADJ
ejif-4913	145	2	financial	financial	ADJ
ejif-4913	145	3	institutions	institution	NOUN
ejif-4913	145	4	were	be	AUX
ejif-4913	145	5	the	the	DET
ejif-4913	145	6	first	first	ADJ
ejif-4913	145	7	to	to	PART
ejif-4913	145	8	become	become	VERB
ejif-4913	145	9	aware	aware	ADJ
ejif-4913	145	10	of	of	ADP
ejif-4913	145	11	digital	digital	ADJ
ejif-4913	145	12	transformation	transformation	NOUN
ejif-4913	145	13	’s	’s	PART
ejif-4913	145	14	role	role	NOUN
ejif-4913	145	15	in	in	ADP
ejif-4913	145	16	cutting	cut	VERB
ejif-4913	145	17	costs	cost	NOUN
ejif-4913	145	18	,	,	PUNCT
ejif-4913	145	19	improving	improve	VERB
ejif-4913	145	20	customer	customer	NOUN
ejif-4913	145	21	experience	experience	NOUN
ejif-4913	145	22	,	,	PUNCT
ejif-4913	145	23	and	and	CCONJ
ejif-4913	145	24	competing	compete	VERB
ejif-4913	145	25	with	with	ADP
ejif-4913	145	26	global	global	ADJ
ejif-4913	145	27	companies	company	NOUN
ejif-4913	145	28	.	.	PUNCT
ejif-4913	146	1	in	in	ADP
ejif-4913	146	2	fact	fact	NOUN
ejif-4913	146	3	,	,	PUNCT
ejif-4913	146	4	information	information	NOUN
ejif-4913	146	5	technologies	technology	NOUN
ejif-4913	146	6	and	and	CCONJ
ejif-4913	146	7	digital	digital	ADJ
ejif-4913	146	8	innovations	innovation	NOUN
ejif-4913	146	9	have	have	AUX
ejif-4913	146	10	enabled	enable	VERB
ejif-4913	146	11	players	player	NOUN
ejif-4913	146	12	in	in	ADP
ejif-4913	146	13	the	the	DET
ejif-4913	146	14	banking	banking	NOUN
ejif-4913	146	15	sector	sector	NOUN
ejif-4913	146	16	to	to	PART
ejif-4913	146	17	conquer	conquer	VERB
ejif-4913	146	18	new	new	ADJ
ejif-4913	146	19	market	market	NOUN
ejif-4913	146	20	shares	share	NOUN
ejif-4913	146	21	.	.	PUNCT
ejif-4913	147	1	however	however	ADV
ejif-4913	147	2	,	,	PUNCT
ejif-4913	147	3	moroccan	moroccan	ADJ
ejif-4913	147	4	banks	bank	NOUN
ejif-4913	147	5	have	have	AUX
ejif-4913	147	6	not	not	PART
ejif-4913	147	7	yet	yet	ADV
ejif-4913	147	8	succeeded	succeed	VERB
ejif-4913	147	9	in	in	ADP
ejif-4913	147	10	establishing	establish	VERB
ejif-4913	147	11	and	and	CCONJ
ejif-4913	147	12	maintaining	maintain	VERB
ejif-4913	147	13	a	a	DET
ejif-4913	147	14	regular	regular	ADJ
ejif-4913	147	15	relationship	relationship	NOUN
ejif-4913	147	16	with	with	ADP
ejif-4913	147	17	their	their	PRON
ejif-4913	147	18	customers	customer	NOUN
ejif-4913	147	19	through	through	ADP
ejif-4913	147	20	digital	digital	ADJ
ejif-4913	147	21	channels	channel	NOUN
ejif-4913	147	22	.	.	PUNCT
ejif-4913	148	1	drating	drate	VERB
ejif-4913	148	2	has	have	AUX
ejif-4913	148	3	evaluated	evaluate	VERB
ejif-4913	148	4	the	the	DET
ejif-4913	148	5	features	feature	NOUN
ejif-4913	148	6	of	of	ADP
ejif-4913	148	7	10	10	NUM
ejif-4913	148	8	major	major	ADJ
ejif-4913	148	9	moroccan	moroccan	ADJ
ejif-4913	148	10	retail	retail	ADJ
ejif-4913	148	11	banks	bank	NOUN
ejif-4913	148	12	websites	website	NOUN
ejif-4913	148	13	and	and	CCONJ
ejif-4913	148	14	mobile	mobile	NOUN
ejif-4913	148	15	applications[37	applications[37	NOUN
ejif-4913	148	16	]	]	PUNCT
ejif-4913	148	17	.	.	PUNCT
ejif-4913	149	1	two	two	NUM
ejif-4913	149	2	main	main	ADJ
ejif-4913	149	3	elements	element	NOUN
ejif-4913	149	4	of	of	ADP
ejif-4913	149	5	the	the	DET
ejif-4913	149	6	digital	digital	ADJ
ejif-4913	149	7	client	client	NOUN
ejif-4913	149	8	relationships	relationship	NOUN
ejif-4913	149	9	are	be	AUX
ejif-4913	149	10	the	the	DET
ejif-4913	149	11	web	web	NOUN
ejif-4913	149	12	and	and	CCONJ
ejif-4913	149	13	mobile	mobile	ADJ
ejif-4913	149	14	applications	application	NOUN
ejif-4913	149	15	.	.	PUNCT
ejif-4913	150	1	the	the	DET
ejif-4913	150	2	web	web	NOUN
ejif-4913	150	3	category	category	NOUN
ejif-4913	150	4	covers	cover	VERB
ejif-4913	150	5	81	81	NUM
ejif-4913	150	6	indicators	indicator	NOUN
ejif-4913	150	7	,	,	PUNCT
ejif-4913	150	8	including	include	VERB
ejif-4913	150	9	functionalities	functionality	NOUN
ejif-4913	150	10	and	and	CCONJ
ejif-4913	150	11	features	feature	NOUN
ejif-4913	150	12	available	available	ADJ
ejif-4913	150	13	on	on	ADP
ejif-4913	150	14	the	the	DET
ejif-4913	150	15	public	public	ADJ
ejif-4913	150	16	websites	website	NOUN
ejif-4913	150	17	,	,	PUNCT
ejif-4913	150	18	the	the	DET
ejif-4913	150	19	web	web	NOUN
ejif-4913	150	20	traffic	traffic	NOUN
ejif-4913	150	21	and	and	CCONJ
ejif-4913	150	22	other	other	ADJ
ejif-4913	150	23	technical	technical	ADJ
ejif-4913	150	24	parameters	parameter	NOUN
ejif-4913	150	25	over	over	ADP
ejif-4913	150	26	website	website	NOUN
ejif-4913	150	27	performance	performance	NOUN
ejif-4913	150	28	.	.	PUNCT
ejif-4913	151	1	while	while	SCONJ
ejif-4913	151	2	the	the	DET
ejif-4913	151	3	mobile	mobile	ADJ
ejif-4913	151	4	application	application	NOUN
ejif-4913	151	5	category	category	NOUN
ejif-4913	151	6	includes	include	VERB
ejif-4913	151	7	26	26	NUM
ejif-4913	151	8	scores	score	NOUN
ejif-4913	151	9	,	,	PUNCT
ejif-4913	151	10	related	relate	VERB
ejif-4913	151	11	to	to	ADP
ejif-4913	151	12	the	the	DET
ejif-4913	151	13	client	client	NOUN
ejif-4913	151	14	satisfaction	satisfaction	NOUN
ejif-4913	151	15	on	on	ADP
ejif-4913	151	16	mobile	mobile	ADJ
ejif-4913	151	17	application	application	NOUN
ejif-4913	151	18	stores	store	NOUN
ejif-4913	151	19	,	,	PUNCT
ejif-4913	151	20	usage	usage	NOUN
ejif-4913	151	21	and	and	CCONJ
ejif-4913	151	22	engagement	engagement	NOUN
ejif-4913	151	23	metrics	metric	NOUN
ejif-4913	151	24	and	and	CCONJ
ejif-4913	151	25	technical	technical	ADJ
ejif-4913	151	26	properties	property	NOUN
ejif-4913	151	27	.	.	PUNCT
ejif-4913	152	1	according	accord	VERB
ejif-4913	152	2	to	to	ADP
ejif-4913	152	3	the	the	DET
ejif-4913	152	4	results	result	NOUN
ejif-4913	152	5	of	of	ADP
ejif-4913	152	6	the	the	DET
ejif-4913	152	7	study	study	NOUN
ejif-4913	152	8	,	,	PUNCT
ejif-4913	152	9	the	the	DET
ejif-4913	152	10	top	top	ADJ
ejif-4913	152	11	3	3	NUM
ejif-4913	152	12	scores	score	NOUN
ejif-4913	152	13	on	on	ADP
ejif-4913	152	14	these	these	DET
ejif-4913	152	15	two	two	NUM
ejif-4913	152	16	categories	category	NOUN
ejif-4913	152	17	are	be	AUX
ejif-4913	152	18	displayed	display	VERB
ejif-4913	152	19	in	in	ADP
ejif-4913	152	20	the	the	DET
ejif-4913	152	21	charts	chart	NOUN
ejif-4913	152	22	(	(	PUNCT
ejif-4913	152	23	fig.2	fig.2	PROPN
ejif-4913	152	24	)	)	PUNCT
ejif-4913	152	25	.	.	PUNCT
ejif-4913	153	1	ejif	ejif	PROPN
ejif-4913	153	2	–	–	PUNCT
ejif-4913	153	3	european	european	PROPN
ejif-4913	153	4	journal	journal	PROPN
ejif-4913	153	5	of	of	ADP
ejif-4913	153	6	islamic	islamic	PROPN
ejif-4913	153	7	finance	finance	PROPN
ejif-4913	153	8	islamic	islamic	PROPN
ejif-4913	153	9	finance	finance	NOUN
ejif-4913	153	10	role	role	NOUN
ejif-4913	153	11	in	in	ADP
ejif-4913	153	12	the	the	DET
ejif-4913	153	13	time	time	NOUN
ejif-4913	153	14	of	of	ADP
ejif-4913	153	15	covid-19	covid-19	PROPN
ejif-4913	153	16	pandemic	pandemic	NOUN
ejif-4913	153	17	,	,	PUNCT
ejif-4913	153	18	no	no	DET
ejif-4913	153	19	16	16	NUM
ejif-4913	153	20	,	,	PUNCT
ejif-4913	153	21	december	december	PROPN
ejif-4913	153	22	(	(	PUNCT
ejif-4913	153	23	2020	2020	NUM
ejif-4913	153	24	)	)	PUNCT
ejif-4913	154	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4913	154	2	issn	issn	VERB
ejif-4913	154	3	2421	2421	NUM
ejif-4913	154	4	-	-	SYM
ejif-4913	154	5	2172	2172	NUM
ejif-4913	154	6	doi	doi	NOUN
ejif-4913	154	7	:	:	PUNCT
ejif-4913	154	8	10.13135/2421	10.13135/2421	NUM
ejif-4913	154	9	-	-	SYM
ejif-4913	154	10	2172/4913	2172/4913	NUM
ejif-4913	154	11	6	6	NUM
ejif-4913	154	12	figure	figure	NOUN
ejif-4913	154	13	2	2	NUM
ejif-4913	154	14	.	.	PUNCT
ejif-4913	154	15	scores	score	NOUN
ejif-4913	154	16	of	of	ADP
ejif-4913	154	17	digital	digital	ADJ
ejif-4913	154	18	performance	performance	NOUN
ejif-4913	154	19	of	of	ADP
ejif-4913	154	20	moroccan	moroccan	ADJ
ejif-4913	154	21	banks	bank	NOUN
ejif-4913	154	22	:	:	PUNCT
ejif-4913	154	23	client	client	NOUN
ejif-4913	154	24	experiene	experiene	NOUN
ejif-4913	154	25	on	on	ADP
ejif-4913	154	26	digital	digital	ADJ
ejif-4913	154	27	channels	channel	NOUN
ejif-4913	154	28	source	source	NOUN
ejif-4913	154	29	:	:	PUNCT
ejif-4913	154	30	numerization	numerization	NOUN
ejif-4913	154	31	of	of	ADP
ejif-4913	154	32	moroccan	moroccan	ADJ
ejif-4913	154	33	banks	bank	NOUN
ejif-4913	154	34	,	,	PUNCT
ejif-4913	154	35	may	may	AUX
ejif-4913	154	36	2018	2018	NUM
ejif-4913	154	37	(	(	PUNCT
ejif-4913	154	38	d	d	NOUN
ejif-4913	154	39	-	-	NOUN
ejif-4913	154	40	rating	rating	NOUN
ejif-4913	154	41	)	)	PUNCT
ejif-4913	154	42	.	.	PUNCT
ejif-4913	155	1	cih	cih	PROPN
ejif-4913	155	2	bank	bank	PROPN
ejif-4913	155	3	appears	appear	VERB
ejif-4913	155	4	on	on	ADP
ejif-4913	155	5	the	the	DET
ejif-4913	155	6	top	top	ADJ
ejif-4913	155	7	3	3	NUM
ejif-4913	155	8	web	web	NOUN
ejif-4913	155	9	and	and	CCONJ
ejif-4913	155	10	mobile	mobile	ADJ
ejif-4913	155	11	application	application	NOUN
ejif-4913	155	12	and	and	CCONJ
ejif-4913	155	13	positions	position	NOUN
ejif-4913	155	14	itself	itself	PRON
ejif-4913	155	15	as	as	ADP
ejif-4913	155	16	the	the	DET
ejif-4913	155	17	moroccan	moroccan	PROPN
ejif-4913	155	18	bank	bank	PROPN
ejif-4913	155	19	with	with	ADP
ejif-4913	155	20	the	the	DET
ejif-4913	155	21	highest	high	ADJ
ejif-4913	155	22	level	level	NOUN
ejif-4913	155	23	of	of	ADP
ejif-4913	155	24	use	use	NOUN
ejif-4913	155	25	of	of	ADP
ejif-4913	155	26	digital	digital	ADJ
ejif-4913	155	27	channels	channel	NOUN
ejif-4913	155	28	in	in	ADP
ejif-4913	155	29	its	its	PRON
ejif-4913	155	30	relationship	relationship	NOUN
ejif-4913	155	31	with	with	ADP
ejif-4913	155	32	prospects	prospect	NOUN
ejif-4913	155	33	and	and	CCONJ
ejif-4913	155	34	clients	client	NOUN
ejif-4913	155	35	.	.	PUNCT
ejif-4913	156	1	the	the	DET
ejif-4913	156	2	effort	effort	NOUN
ejif-4913	156	3	made	make	VERB
ejif-4913	156	4	on	on	ADP
ejif-4913	156	5	its	its	PRON
ejif-4913	156	6	digital	digital	ADJ
ejif-4913	156	7	transformation	transformation	NOUN
ejif-4913	156	8	clearly	clearly	ADV
ejif-4913	156	9	reflects	reflect	VERB
ejif-4913	156	10	on	on	ADP
ejif-4913	156	11	its	its	PRON
ejif-4913	156	12	fully	fully	ADV
ejif-4913	156	13	-	-	PUNCT
ejif-4913	156	14	digitalized	digitalize	VERB
ejif-4913	156	15	acquisition	acquisition	NOUN
ejif-4913	156	16	process	process	NOUN
ejif-4913	156	17	and	and	CCONJ
ejif-4913	156	18	its	its	PRON
ejif-4913	156	19	multidisciplinary	multidisciplinary	ADJ
ejif-4913	156	20	program	program	NOUN
ejif-4913	156	21	in	in	ADP
ejif-4913	156	22	open	open	ADJ
ejif-4913	156	23	innovation	innovation	NOUN
ejif-4913	156	24	«	«	PUNCT
ejif-4913	156	25	cih	cih	X
ejif-4913	156	26	open	open	ADJ
ejif-4913	156	27	innovation	innovation	NOUN
ejif-4913	156	28	»	»	NOUN
ejif-4913	156	29	.	.	PUNCT
ejif-4913	157	1	regarding	regard	VERB
ejif-4913	157	2	the	the	DET
ejif-4913	157	3	mobile	mobile	ADJ
ejif-4913	157	4	application	application	NOUN
ejif-4913	157	5	,	,	PUNCT
ejif-4913	157	6	there	there	PRON
ejif-4913	157	7	is	be	VERB
ejif-4913	157	8	a	a	DET
ejif-4913	157	9	strong	strong	ADJ
ejif-4913	157	10	performance	performance	NOUN
ejif-4913	157	11	contrast	contrast	NOUN
ejif-4913	157	12	between	between	ADP
ejif-4913	157	13	the	the	DET
ejif-4913	157	14	different	different	ADJ
ejif-4913	157	15	banks	bank	NOUN
ejif-4913	157	16	regarding	regard	VERB
ejif-4913	157	17	the	the	DET
ejif-4913	157	18	mobile	mobile	ADJ
ejif-4913	157	19	application	application	NOUN
ejif-4913	157	20	channel	channel	NOUN
ejif-4913	157	21	.	.	PUNCT
ejif-4913	158	1	some	some	DET
ejif-4913	158	2	banks	bank	NOUN
ejif-4913	158	3	’	’	PART
ejif-4913	158	4	mobile	mobile	ADJ
ejif-4913	158	5	application	application	NOUN
ejif-4913	158	6	like	like	ADP
ejif-4913	158	7	al	al	PROPN
ejif-4913	158	8	barik	barik	PROPN
ejif-4913	158	9	bank	bank	PROPN
ejif-4913	158	10	and	and	CCONJ
ejif-4913	158	11	attijariwafa	attijariwafa	PROPN
ejif-4913	158	12	bank	bank	PROPN
ejif-4913	158	13	have	have	AUX
ejif-4913	158	14	managed	manage	VERB
ejif-4913	158	15	to	to	PART
ejif-4913	158	16	satisfy	satisfy	VERB
ejif-4913	158	17	their	their	PRON
ejif-4913	158	18	clients	client	NOUN
ejif-4913	158	19	and	and	CCONJ
ejif-4913	158	20	obtained	obtain	VERB
ejif-4913	158	21	a	a	DET
ejif-4913	158	22	good	good	ADJ
ejif-4913	158	23	score	score	NOUN
ejif-4913	158	24	.	.	PUNCT
ejif-4913	159	1	while	while	SCONJ
ejif-4913	159	2	other	other	ADJ
ejif-4913	159	3	banks	bank	NOUN
ejif-4913	159	4	from	from	ADP
ejif-4913	159	5	the	the	DET
ejif-4913	159	6	panel	panel	NOUN
ejif-4913	159	7	still	still	ADV
ejif-4913	159	8	struggle	struggle	VERB
ejif-4913	159	9	with	with	ADP
ejif-4913	159	10	very	very	ADV
ejif-4913	159	11	low	low	ADJ
ejif-4913	159	12	satisfaction	satisfaction	NOUN
ejif-4913	159	13	levels	level	NOUN
ejif-4913	159	14	.	.	PUNCT
ejif-4913	160	1	on	on	ADP
ejif-4913	160	2	the	the	DET
ejif-4913	160	3	other	other	ADJ
ejif-4913	160	4	hand	hand	NOUN
ejif-4913	160	5	,	,	PUNCT
ejif-4913	160	6	the	the	DET
ejif-4913	160	7	same	same	ADJ
ejif-4913	160	8	gap	gap	NOUN
ejif-4913	160	9	sits	sit	VERB
ejif-4913	160	10	still	still	ADV
ejif-4913	160	11	for	for	ADP
ejif-4913	160	12	social	social	ADJ
ejif-4913	160	13	media	medium	NOUN
ejif-4913	160	14	channels	channel	NOUN
ejif-4913	160	15	.	.	PUNCT
ejif-4913	161	1	some	some	DET
ejif-4913	161	2	banks	bank	NOUN
ejif-4913	161	3	have	have	AUX
ejif-4913	161	4	not	not	PART
ejif-4913	161	5	even	even	ADV
ejif-4913	161	6	reached	reach	VERB
ejif-4913	161	7	this	this	DET
ejif-4913	161	8	opportunity	opportunity	NOUN
ejif-4913	161	9	yet	yet	ADV
ejif-4913	161	10	(	(	PUNCT
ejif-4913	161	11	such	such	ADJ
ejif-4913	161	12	as	as	ADP
ejif-4913	161	13	crédit	crédit	PROPN
ejif-4913	161	14	agricole	agricole	PROPN
ejif-4913	161	15	du	du	PROPN
ejif-4913	161	16	maroc	maroc	PROPN
ejif-4913	161	17	)	)	PUNCT
ejif-4913	161	18	,	,	PUNCT
ejif-4913	161	19	even	even	ADV
ejif-4913	161	20	though	though	SCONJ
ejif-4913	161	21	they	they	PRON
ejif-4913	161	22	are	be	AUX
ejif-4913	161	23	a	a	DET
ejif-4913	161	24	very	very	ADV
ejif-4913	161	25	valuable	valuable	ADJ
ejif-4913	161	26	source	source	NOUN
ejif-4913	161	27	of	of	ADP
ejif-4913	161	28	information	information	NOUN
ejif-4913	161	29	to	to	PART
ejif-4913	161	30	obtain	obtain	VERB
ejif-4913	161	31	customers	customer	NOUN
ejif-4913	161	32	feedback	feedback	VERB
ejif-4913	161	33	,	,	PUNCT
ejif-4913	161	34	whereas	whereas	SCONJ
ejif-4913	161	35	other	other	ADJ
ejif-4913	161	36	banks	bank	NOUN
ejif-4913	161	37	are	be	AUX
ejif-4913	161	38	extremely	extremely	ADV
ejif-4913	161	39	active	active	ADJ
ejif-4913	161	40	.	.	PUNCT
ejif-4913	162	1	cfg	cfg	PROPN
ejif-4913	162	2	bank	bank	PROPN
ejif-4913	162	3	and	and	CCONJ
ejif-4913	162	4	cih	cih	NOUN
ejif-4913	162	5	generate	generate	VERB
ejif-4913	162	6	interactions	interaction	NOUN
ejif-4913	162	7	and	and	CCONJ
ejif-4913	162	8	engagement	engagement	NOUN
ejif-4913	162	9	on	on	ADP
ejif-4913	162	10	facebook	facebook	PROPN
ejif-4913	162	11	,	,	PUNCT
ejif-4913	162	12	at	at	ADP
ejif-4913	162	13	the	the	DET
ejif-4913	162	14	same	same	ADJ
ejif-4913	162	15	level	level	NOUN
ejif-4913	162	16	as	as	SCONJ
ejif-4913	162	17	the	the	DET
ejif-4913	162	18	best	good	ADJ
ejif-4913	162	19	european	european	ADJ
ejif-4913	162	20	banks	bank	NOUN
ejif-4913	162	21	present	present	ADJ
ejif-4913	162	22	in	in	ADP
ejif-4913	162	23	the	the	DET
ejif-4913	162	24	area	area	NOUN
ejif-4913	162	25	.	.	PUNCT
ejif-4913	163	1	the	the	DET
ejif-4913	163	2	results	result	NOUN
ejif-4913	163	3	show	show	VERB
ejif-4913	163	4	that	that	SCONJ
ejif-4913	163	5	these	these	DET
ejif-4913	163	6	outperforming	outperform	VERB
ejif-4913	163	7	banks	bank	NOUN
ejif-4913	163	8	have	have	AUX
ejif-4913	163	9	succeeded	succeed	VERB
ejif-4913	163	10	to	to	PART
ejif-4913	163	11	take	take	VERB
ejif-4913	163	12	advantage	advantage	NOUN
ejif-4913	163	13	of	of	ADP
ejif-4913	163	14	the	the	DET
ejif-4913	163	15	full	full	ADJ
ejif-4913	163	16	potential	potential	NOUN
ejif-4913	163	17	of	of	ADP
ejif-4913	163	18	social	social	ADJ
ejif-4913	163	19	networks	network	NOUN
ejif-4913	163	20	and	and	CCONJ
ejif-4913	163	21	more	more	ADV
ejif-4913	163	22	particularly	particularly	ADV
ejif-4913	163	23	of	of	ADP
ejif-4913	163	24	facebook	facebook	NOUN
ejif-4913	163	25	(	(	PUNCT
ejif-4913	163	26	which	which	PRON
ejif-4913	163	27	has	have	VERB
ejif-4913	163	28	a	a	DET
ejif-4913	163	29	penetration	penetration	NOUN
ejif-4913	163	30	rate	rate	NOUN
ejif-4913	163	31	of	of	ADP
ejif-4913	163	32	63	63	NUM
ejif-4913	163	33	%	%	NOUN
ejif-4913	163	34	in	in	ADP
ejif-4913	163	35	morocco	morocco	PROPN
ejif-4913	163	36	and	and	CCONJ
ejif-4913	163	37	an	an	DET
ejif-4913	163	38	average	average	ADJ
ejif-4913	163	39	71	71	NUM
ejif-4913	163	40	%	%	NOUN
ejif-4913	163	41	in	in	ADP
ejif-4913	163	42	europe	europe	PROPN
ejif-4913	163	43	)	)	PUNCT
ejif-4913	163	44	and	and	CCONJ
ejif-4913	163	45	turn	turn	VERB
ejif-4913	163	46	this	this	DET
ejif-4913	163	47	popular	popular	ADJ
ejif-4913	163	48	media	medium	NOUN
ejif-4913	163	49	into	into	ADP
ejif-4913	163	50	to	to	ADP
ejif-4913	163	51	a	a	DET
ejif-4913	163	52	real	real	ADJ
ejif-4913	163	53	client	client	NOUN
ejif-4913	163	54	acquisition	acquisition	NOUN
ejif-4913	163	55	machine	machine	NOUN
ejif-4913	164	1	[	[	X
ejif-4913	164	2	37	37	NUM
ejif-4913	164	3	]	]	PUNCT
ejif-4913	164	4	.	.	PUNCT
ejif-4913	165	1	though	though	ADV
ejif-4913	165	2	,	,	PUNCT
ejif-4913	165	3	the	the	DET
ejif-4913	165	4	current	current	ADJ
ejif-4913	165	5	environment	environment	NOUN
ejif-4913	165	6	is	be	AUX
ejif-4913	165	7	undoubtedly	undoubtedly	ADV
ejif-4913	165	8	challenging	challenging	ADJ
ejif-4913	165	9	for	for	ADP
ejif-4913	165	10	banks	bank	NOUN
ejif-4913	165	11	.	.	PUNCT
ejif-4913	166	1	the	the	DET
ejif-4913	166	2	behavioral	behavioral	ADJ
ejif-4913	166	3	and	and	CCONJ
ejif-4913	166	4	economic	economic	ADJ
ejif-4913	166	5	effect	effect	NOUN
ejif-4913	166	6	of	of	ADP
ejif-4913	166	7	the	the	DET
ejif-4913	166	8	coronavirus	coronavirus	NOUN
ejif-4913	166	9	crisis	crisis	NOUN
ejif-4913	166	10	is	be	AUX
ejif-4913	166	11	profound	profound	ADJ
ejif-4913	166	12	,	,	PUNCT
ejif-4913	166	13	and	and	CCONJ
ejif-4913	166	14	come	come	VERB
ejif-4913	166	15	on	on	ADP
ejif-4913	166	16	top	top	NOUN
ejif-4913	166	17	of	of	ADP
ejif-4913	166	18	lingering	linger	VERB
ejif-4913	166	19	financial	financial	ADJ
ejif-4913	166	20	,	,	PUNCT
ejif-4913	166	21	operational	operational	ADJ
ejif-4913	166	22	and	and	CCONJ
ejif-4913	166	23	consumer	consumer	NOUN
ejif-4913	166	24	pressures	pressure	NOUN
ejif-4913	166	25	.	.	PUNCT
ejif-4913	167	1	but	but	CCONJ
ejif-4913	167	2	,	,	PUNCT
ejif-4913	167	3	with	with	ADP
ejif-4913	167	4	the	the	DET
ejif-4913	167	5	right	right	ADJ
ejif-4913	167	6	strategy	strategy	NOUN
ejif-4913	167	7	,	,	PUNCT
ejif-4913	167	8	banks	bank	NOUN
ejif-4913	167	9	have	have	VERB
ejif-4913	167	10	a	a	DET
ejif-4913	167	11	unique	unique	ADJ
ejif-4913	167	12	opportunity	opportunity	NOUN
ejif-4913	167	13	to	to	PART
ejif-4913	167	14	succeed	succeed	VERB
ejif-4913	167	15	in	in	ADP
ejif-4913	167	16	the	the	DET
ejif-4913	167	17	long	long	ADJ
ejif-4913	167	18	term	term	NOUN
ejif-4913	167	19	.	.	PUNCT
ejif-4913	168	1	pursuing	pursue	VERB
ejif-4913	168	2	advanced	advanced	ADJ
ejif-4913	168	3	technology	technology	NOUN
ejif-4913	168	4	and	and	CCONJ
ejif-4913	168	5	digital	digital	ADJ
ejif-4913	168	6	ecosystems	ecosystem	NOUN
ejif-4913	168	7	will	will	AUX
ejif-4913	168	8	be	be	AUX
ejif-4913	168	9	key	key	ADJ
ejif-4913	168	10	to	to	ADP
ejif-4913	168	11	that	that	DET
ejif-4913	168	12	success	success	NOUN
ejif-4913	168	13	.	.	PUNCT
ejif-4913	169	1	with	with	ADP
ejif-4913	169	2	these	these	DET
ejif-4913	169	3	elements	element	NOUN
ejif-4913	169	4	in	in	ADP
ejif-4913	169	5	place	place	NOUN
ejif-4913	169	6	,	,	PUNCT
ejif-4913	169	7	banks	bank	NOUN
ejif-4913	169	8	will	will	AUX
ejif-4913	169	9	cut	cut	VERB
ejif-4913	169	10	costs	cost	NOUN
ejif-4913	169	11	and	and	CCONJ
ejif-4913	169	12	drive	drive	VERB
ejif-4913	169	13	efficiencies	efficiency	NOUN
ejif-4913	169	14	,	,	PUNCT
ejif-4913	169	15	helping	help	VERB
ejif-4913	169	16	them	they	PRON
ejif-4913	169	17	weather	weather	VERB
ejif-4913	169	18	the	the	DET
ejif-4913	169	19	coming	come	VERB
ejif-4913	169	20	storm	storm	NOUN
ejif-4913	169	21	and	and	CCONJ
ejif-4913	169	22	redefine	redefine	VERB
ejif-4913	169	23	their	their	PRON
ejif-4913	169	24	value	value	NOUN
ejif-4913	169	25	to	to	ADP
ejif-4913	169	26	customers	customer	NOUN
ejif-4913	169	27	in	in	ADP
ejif-4913	169	28	a	a	DET
ejif-4913	169	29	shifting	shift	VERB
ejif-4913	169	30	market	market	NOUN
ejif-4913	169	31	.	.	PUNCT
ejif-4913	170	1	b.	b.	PROPN
ejif-4913	170	2	research	research	NOUN
ejif-4913	170	3	methodology	methodology	NOUN
ejif-4913	170	4	and	and	CCONJ
ejif-4913	170	5	hypotheses	hypothesis	NOUN
ejif-4913	170	6	this	this	DET
ejif-4913	170	7	study	study	NOUN
ejif-4913	170	8	aims	aim	VERB
ejif-4913	170	9	to	to	PART
ejif-4913	170	10	focus	focus	VERB
ejif-4913	170	11	,	,	PUNCT
ejif-4913	170	12	for	for	ADP
ejif-4913	170	13	the	the	DET
ejif-4913	170	14	first	first	ADJ
ejif-4913	170	15	time	time	NOUN
ejif-4913	170	16	in	in	ADP
ejif-4913	170	17	morocco	morocco	PROPN
ejif-4913	170	18	,	,	PUNCT
ejif-4913	170	19	on	on	ADP
ejif-4913	170	20	the	the	DET
ejif-4913	170	21	potential	potential	NOUN
ejif-4913	170	22	of	of	ADP
ejif-4913	170	23	the	the	DET
ejif-4913	170	24	digital	digital	ADJ
ejif-4913	170	25	transformation	transformation	NOUN
ejif-4913	170	26	of	of	ADP
ejif-4913	170	27	participatory	participatory	ADJ
ejif-4913	170	28	banking	banking	NOUN
ejif-4913	170	29	services	service	NOUN
ejif-4913	170	30	.	.	PUNCT
ejif-4913	171	1	therefore	therefore	ADV
ejif-4913	171	2	,	,	PUNCT
ejif-4913	171	3	to	to	PART
ejif-4913	171	4	collect	collect	VERB
ejif-4913	171	5	the	the	DET
ejif-4913	171	6	perceptions	perception	NOUN
ejif-4913	171	7	of	of	ADP
ejif-4913	171	8	moroccan	moroccan	ADJ
ejif-4913	171	9	customers	customer	NOUN
ejif-4913	171	10	regarding	regard	VERB
ejif-4913	171	11	the	the	DET
ejif-4913	171	12	switch	switch	NOUN
ejif-4913	171	13	to	to	ADP
ejif-4913	171	14	a	a	DET
ejif-4913	171	15	digital	digital	ADJ
ejif-4913	171	16	participatory	participatory	ADJ
ejif-4913	171	17	banking	banking	NOUN
ejif-4913	171	18	services	service	NOUN
ejif-4913	171	19	,	,	PUNCT
ejif-4913	171	20	we	we	PRON
ejif-4913	171	21	conducted	conduct	VERB
ejif-4913	171	22	an	an	DET
ejif-4913	171	23	opinion	opinion	NOUN
ejif-4913	171	24	survey	survey	NOUN
ejif-4913	171	25	.	.	PUNCT
ejif-4913	172	1	to	to	PART
ejif-4913	172	2	carry	carry	VERB
ejif-4913	172	3	out	out	ADP
ejif-4913	172	4	the	the	DET
ejif-4913	172	5	research	research	NOUN
ejif-4913	172	6	and	and	CCONJ
ejif-4913	172	7	provide	provide	VERB
ejif-4913	172	8	the	the	DET
ejif-4913	172	9	most	most	ADV
ejif-4913	172	10	solid	solid	ADJ
ejif-4913	172	11	answers	answer	NOUN
ejif-4913	172	12	possible	possible	ADJ
ejif-4913	172	13	,	,	PUNCT
ejif-4913	172	14	we	we	PRON
ejif-4913	172	15	have	have	AUX
ejif-4913	172	16	chosen	choose	VERB
ejif-4913	172	17	to	to	PART
ejif-4913	172	18	put	put	VERB
ejif-4913	172	19	forward	forward	ADP
ejif-4913	172	20	hypotheses	hypothesis	NOUN
ejif-4913	172	21	that	that	PRON
ejif-4913	172	22	are	be	AUX
ejif-4913	172	23	broad	broad	ADJ
ejif-4913	172	24	enough	enough	ADV
ejif-4913	172	25	to	to	PART
ejif-4913	172	26	mark	mark	VERB
ejif-4913	172	27	out	out	ADP
ejif-4913	172	28	the	the	DET
ejif-4913	172	29	subject	subject	NOUN
ejif-4913	172	30	of	of	ADP
ejif-4913	172	31	the	the	DET
ejif-4913	172	32	study	study	NOUN
ejif-4913	172	33	in	in	ADP
ejif-4913	172	34	an	an	DET
ejif-4913	172	35	exhaustive	exhaustive	ADJ
ejif-4913	172	36	manner	manner	NOUN
ejif-4913	172	37	,	,	PUNCT
ejif-4913	172	38	but	but	CCONJ
ejif-4913	172	39	which	which	PRON
ejif-4913	172	40	remain	remain	VERB
ejif-4913	172	41	very	very	ADV
ejif-4913	172	42	precise	precise	ADJ
ejif-4913	172	43	,	,	PUNCT
ejif-4913	172	44	and	and	CCONJ
ejif-4913	172	45	above	above	ADP
ejif-4913	172	46	all	all	PRON
ejif-4913	172	47	,	,	PUNCT
ejif-4913	172	48	all	all	PRON
ejif-4913	172	49	oriented	orient	VERB
ejif-4913	172	50	towards	towards	ADP
ejif-4913	172	51	post	post	ADJ
ejif-4913	172	52	-	-	ADJ
ejif-4913	172	53	covid-19	covid-19	ADJ
ejif-4913	172	54	banking	banking	NOUN
ejif-4913	172	55	digitalization	digitalization	NOUN
ejif-4913	172	56	.	.	PUNCT
ejif-4913	173	1	the	the	DET
ejif-4913	173	2	research	research	NOUN
ejif-4913	173	3	hypotheses	hypothesis	NOUN
ejif-4913	173	4	retained	retain	VERB
ejif-4913	173	5	are	be	AUX
ejif-4913	173	6	as	as	ADV
ejif-4913	173	7	follow	follow	VERB
ejif-4913	173	8	:	:	PUNCT
ejif-4913	173	9	1	1	X
ejif-4913	173	10	)	)	PUNCT
ejif-4913	173	11	digital	digital	ADJ
ejif-4913	173	12	banking	banking	NOUN
ejif-4913	173	13	is	be	AUX
ejif-4913	173	14	of	of	ADP
ejif-4913	173	15	much	much	ADV
ejif-4913	173	16	more	more	ADJ
ejif-4913	173	17	interest	interest	NOUN
ejif-4913	173	18	to	to	ADP
ejif-4913	173	19	the	the	DET
ejif-4913	173	20	young	young	ADJ
ejif-4913	173	21	people	people	NOUN
ejif-4913	173	22	;	;	PUNCT
ejif-4913	173	23	2	2	X
ejif-4913	173	24	)	)	PUNCT
ejif-4913	173	25	digital	digital	ADJ
ejif-4913	173	26	banking	banking	NOUN
ejif-4913	173	27	is	be	AUX
ejif-4913	173	28	indispensable	indispensable	ADJ
ejif-4913	173	29	in	in	ADP
ejif-4913	173	30	times	time	NOUN
ejif-4913	173	31	of	of	ADP
ejif-4913	173	32	crisis	crisis	NOUN
ejif-4913	173	33	as	as	ADV
ejif-4913	173	34	well	well	ADV
ejif-4913	173	35	as	as	ADP
ejif-4913	173	36	in	in	ADP
ejif-4913	173	37	normal	normal	ADJ
ejif-4913	173	38	times	time	NOUN
ejif-4913	173	39	;	;	PUNCT
ejif-4913	173	40	3	3	X
ejif-4913	173	41	)	)	PUNCT
ejif-4913	173	42	the	the	DET
ejif-4913	173	43	digitalization	digitalization	NOUN
ejif-4913	173	44	of	of	ADP
ejif-4913	173	45	participatory	participatory	ADJ
ejif-4913	173	46	banking	banking	NOUN
ejif-4913	173	47	services	service	NOUN
ejif-4913	173	48	is	be	AUX
ejif-4913	173	49	a	a	DET
ejif-4913	173	50	great	great	ADJ
ejif-4913	173	51	opportunity	opportunity	NOUN
ejif-4913	173	52	and	and	CCONJ
ejif-4913	173	53	a	a	DET
ejif-4913	173	54	competitive	competitive	ADJ
ejif-4913	173	55	advantage	advantage	NOUN
ejif-4913	173	56	over	over	ADP
ejif-4913	173	57	conventional	conventional	ADJ
ejif-4913	173	58	banks	bank	NOUN
ejif-4913	173	59	;	;	PUNCT
ejif-4913	173	60	4	4	X
ejif-4913	173	61	)	)	PUNCT
ejif-4913	173	62	digitalization	digitalization	NOUN
ejif-4913	173	63	will	will	AUX
ejif-4913	173	64	enable	enable	VERB
ejif-4913	173	65	participatory	participatory	ADJ
ejif-4913	173	66	banks	bank	NOUN
ejif-4913	173	67	/	/	SYM
ejif-4913	173	68	windows	window	NOUN
ejif-4913	173	69	to	to	PART
ejif-4913	173	70	improve	improve	VERB
ejif-4913	173	71	their	their	PRON
ejif-4913	173	72	customer	customer	NOUN
ejif-4913	173	73	relationships	relationship	NOUN
ejif-4913	173	74	and	and	CCONJ
ejif-4913	173	75	increase	increase	VERB
ejif-4913	173	76	their	their	PRON
ejif-4913	173	77	post	post	ADJ
ejif-4913	173	78	-	-	ADJ
ejif-4913	173	79	covid-19	covid-19	ADJ
ejif-4913	173	80	market	market	NOUN
ejif-4913	173	81	share	share	NOUN
ejif-4913	173	82	;	;	PUNCT
ejif-4913	173	83	5	5	X
ejif-4913	173	84	)	)	PUNCT
ejif-4913	173	85	digitalization	digitalization	NOUN
ejif-4913	173	86	of	of	ADP
ejif-4913	173	87	participatorybanking	participatorybanke	VERB
ejif-4913	173	88	services	service	NOUN
ejif-4913	173	89	should	should	AUX
ejif-4913	173	90	be	be	AUX
ejif-4913	173	91	integral	integral	ADJ
ejif-4913	173	92	.	.	PUNCT
ejif-4913	174	1	along	along	ADP
ejif-4913	174	2	with	with	ADP
ejif-4913	174	3	that	that	PRON
ejif-4913	174	4	of	of	ADP
ejif-4913	174	5	the	the	DET
ejif-4913	174	6	previous	previous	ADJ
ejif-4913	174	7	similar	similar	ADJ
ejif-4913	174	8	studies	study	NOUN
ejif-4913	174	9	in	in	ADP
ejif-4913	174	10	this	this	DET
ejif-4913	174	11	area	area	NOUN
ejif-4913	174	12	(	(	PUNCT
ejif-4913	174	13	e.g.	e.g.	ADV
ejif-4913	174	14	[	[	X
ejif-4913	174	15	38	38	NUM
ejif-4913	174	16	]	]	PUNCT
ejif-4913	174	17	and	and	CCONJ
ejif-4913	174	18	[	[	X
ejif-4913	174	19	39	39	NUM
ejif-4913	174	20	]	]	NUM
ejif-4913	174	21	)	)	PUNCT
ejif-4913	174	22	,	,	PUNCT
ejif-4913	174	23	the	the	DET
ejif-4913	174	24	survey	survey	NOUN
ejif-4913	174	25	is	be	AUX
ejif-4913	174	26	made	make	VERB
ejif-4913	174	27	up	up	ADP
ejif-4913	174	28	of	of	ADP
ejif-4913	174	29	two	two	NUM
ejif-4913	174	30	parts	part	NOUN
ejif-4913	174	31	:	:	PUNCT
ejif-4913	174	32	general	general	ADJ
ejif-4913	174	33	questions	question	NOUN
ejif-4913	174	34	and	and	CCONJ
ejif-4913	174	35	specific	specific	ADJ
ejif-4913	174	36	questions	question	NOUN
ejif-4913	174	37	relating	relate	VERB
ejif-4913	174	38	to	to	ADP
ejif-4913	174	39	the	the	DET
ejif-4913	174	40	digitalization	digitalization	NOUN
ejif-4913	174	41	of	of	ADP
ejif-4913	174	42	participatory	participatory	ADJ
ejif-4913	174	43	banking	banking	NOUN
ejif-4913	174	44	services	service	NOUN
ejif-4913	174	45	in	in	ADP
ejif-4913	174	46	morocco	morocco	PROPN
ejif-4913	174	47	.	.	PUNCT
ejif-4913	175	1	the	the	DET
ejif-4913	175	2	data	datum	NOUN
ejif-4913	175	3	was	be	AUX
ejif-4913	175	4	collected	collect	VERB
ejif-4913	175	5	via	via	ADP
ejif-4913	175	6	an	an	DET
ejif-4913	175	7	adapted	adapted	ADJ
ejif-4913	175	8	questionnaire	questionnaire	NOUN
ejif-4913	175	9	using	use	VERB
ejif-4913	175	10	social	social	ADJ
ejif-4913	175	11	networks	network	NOUN
ejif-4913	175	12	(	(	PUNCT
ejif-4913	175	13	facebook	facebook	NOUN
ejif-4913	175	14	and	and	CCONJ
ejif-4913	175	15	whatsapp	whatsapp	NOUN
ejif-4913	175	16	groups	group	NOUN
ejif-4913	175	17	)	)	PUNCT
ejif-4913	175	18	and	and	CCONJ
ejif-4913	175	19	emails	email	NOUN
ejif-4913	175	20	.	.	PUNCT
ejif-4913	176	1	the	the	DET
ejif-4913	176	2	choice	choice	NOUN
ejif-4913	176	3	of	of	ADP
ejif-4913	176	4	these	these	DET
ejif-4913	176	5	two	two	NUM
ejif-4913	176	6	channels	channel	NOUN
ejif-4913	176	7	was	be	AUX
ejif-4913	176	8	dictated	dictate	VERB
ejif-4913	176	9	by	by	ADP
ejif-4913	176	10	the	the	DET
ejif-4913	176	11	confinement	confinement	ADJ
ejif-4913	176	12	circumstances	circumstance	NOUN
ejif-4913	176	13	imposed	impose	VERB
ejif-4913	176	14	by	by	ADP
ejif-4913	176	15	the	the	DET
ejif-4913	176	16	moroccan	moroccan	ADJ
ejif-4913	176	17	government	government	NOUN
ejif-4913	176	18	as	as	ADP
ejif-4913	176	19	part	part	NOUN
ejif-4913	176	20	of	of	ADP
ejif-4913	176	21	the	the	DET
ejif-4913	176	22	health	health	NOUN
ejif-4913	176	23	emergency	emergency	NOUN
ejif-4913	176	24	linked	link	VERB
ejif-4913	176	25	to	to	ADP
ejif-4913	176	26	covid-19	covid-19	PROPN
ejif-4913	176	27	.	.	PUNCT
ejif-4913	177	1	c.	c.	PROPN
ejif-4913	177	2	survey	survey	PROPN
ejif-4913	177	3	results	result	VERB
ejif-4913	177	4	the	the	DET
ejif-4913	177	5	target	target	NOUN
ejif-4913	177	6	sample	sample	NOUN
ejif-4913	177	7	size	size	NOUN
ejif-4913	177	8	was	be	AUX
ejif-4913	177	9	500	500	NUM
ejif-4913	177	10	respondents	respondent	NOUN
ejif-4913	177	11	.	.	PUNCT
ejif-4913	178	1	the	the	DET
ejif-4913	178	2	details	detail	NOUN
ejif-4913	178	3	about	about	ADP
ejif-4913	178	4	the	the	DET
ejif-4913	178	5	respondents	respondent	NOUN
ejif-4913	178	6	are	be	AUX
ejif-4913	178	7	presented	present	VERB
ejif-4913	178	8	as	as	ADP
ejif-4913	178	9	follow	follow	NOUN
ejif-4913	178	10	(	(	PUNCT
ejif-4913	178	11	table	table	NOUN
ejif-4913	178	12	2	2	NUM
ejif-4913	178	13	):	):	PUNCT
ejif-4913	178	14	table	table	NOUN
ejif-4913	178	15	ii	ii	PROPN
ejif-4913	178	16	.	.	PUNCT
ejif-4913	179	1	survey	survey	NOUN
ejif-4913	179	2	respondennts	respondennt	NOUN
ejif-4913	179	3	criteria	criterion	NOUN
ejif-4913	179	4	criteria	criteria	VERB
ejif-4913	179	5	dominants	dominant	NOUN
ejif-4913	179	6	percentage	percentage	NOUN
ejif-4913	179	7	gender	gender	NOUN
ejif-4913	179	8	women	woman	NOUN
ejif-4913	179	9	52	52	NUM
ejif-4913	179	10	%	%	NOUN
ejif-4913	179	11	age	age	NOUN
ejif-4913	179	12	range	range	NOUN
ejif-4913	179	13	-between	-between	PROPN
ejif-4913	179	14	18	18	NUM
ejif-4913	179	15	and	and	CCONJ
ejif-4913	179	16	30	30	NUM
ejif-4913	179	17	years	year	NOUN
ejif-4913	179	18	old	old	ADJ
ejif-4913	179	19	-more	-more	ADJ
ejif-4913	179	20	than	than	ADP
ejif-4913	179	21	40	40	NUM
ejif-4913	179	22	years	year	NOUN
ejif-4913	179	23	59	59	NUM
ejif-4913	179	24	%	%	NOUN
ejif-4913	179	25	23	23	NUM
ejif-4913	179	26	%	%	NOUN
ejif-4913	179	27	socioprofessional	socioprofessional	ADJ
ejif-4913	179	28	category	category	NOUN
ejif-4913	179	29	-students	-student	NOUN
ejif-4913	179	30	-employees	-employees	PROPN
ejif-4913	179	31	and	and	CCONJ
ejif-4913	179	32	civil	civil	ADJ
ejif-4913	179	33	servants	servant	NOUN
ejif-4913	179	34	47	47	NUM
ejif-4913	179	35	%	%	NOUN
ejif-4913	179	36	40	40	NUM
ejif-4913	179	37	%	%	NOUN
ejif-4913	179	38	banking	banking	NOUN
ejif-4913	179	39	-clients	-client	NOUN
ejif-4913	179	40	of	of	ADP
ejif-4913	179	41	conventional	conventional	ADJ
ejif-4913	179	42	banks	bank	NOUN
ejif-4913	179	43	-clients	-client	NOUN
ejif-4913	179	44	of	of	ADP
ejif-4913	179	45	participatory	participatory	ADJ
ejif-4913	179	46	banks	bank	NOUN
ejif-4913	179	47	or	or	CCONJ
ejif-4913	179	48	windows	window	NOUN
ejif-4913	179	49	80	80	NUM
ejif-4913	179	50	%	%	NOUN
ejif-4913	179	51	20	20	NUM
ejif-4913	179	52	%	%	NOUN
ejif-4913	179	53	source	source	NOUN
ejif-4913	179	54	:	:	PUNCT
ejif-4913	179	55	constructed	construct	VERB
ejif-4913	179	56	by	by	ADP
ejif-4913	179	57	the	the	DET
ejif-4913	179	58	authors	author	NOUN
ejif-4913	179	59	based	base	VERB
ejif-4913	179	60	on	on	ADP
ejif-4913	179	61	survey	survey	NOUN
ejif-4913	179	62	results	result	VERB
ejif-4913	179	63	ejif	ejif	PROPN
ejif-4913	179	64	–	–	PUNCT
ejif-4913	179	65	european	european	PROPN
ejif-4913	179	66	journal	journal	PROPN
ejif-4913	179	67	of	of	ADP
ejif-4913	179	68	islamic	islamic	PROPN
ejif-4913	179	69	finance	finance	PROPN
ejif-4913	179	70	islamic	islamic	PROPN
ejif-4913	179	71	finance	finance	NOUN
ejif-4913	179	72	role	role	NOUN
ejif-4913	179	73	in	in	ADP
ejif-4913	179	74	the	the	DET
ejif-4913	179	75	time	time	NOUN
ejif-4913	179	76	of	of	ADP
ejif-4913	179	77	covid-19	covid-19	PROPN
ejif-4913	179	78	pandemic	pandemic	NOUN
ejif-4913	179	79	,	,	PUNCT
ejif-4913	179	80	no	no	DET
ejif-4913	179	81	16	16	NUM
ejif-4913	179	82	,	,	PUNCT
ejif-4913	179	83	december	december	PROPN
ejif-4913	179	84	(	(	PUNCT
ejif-4913	179	85	2020	2020	NUM
ejif-4913	179	86	)	)	PUNCT
ejif-4913	180	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4913	180	2	issn	issn	VERB
ejif-4913	180	3	2421	2421	NUM
ejif-4913	180	4	-	-	SYM
ejif-4913	180	5	2172	2172	NUM
ejif-4913	180	6	doi	doi	NOUN
ejif-4913	180	7	:	:	PUNCT
ejif-4913	180	8	10.13135/2421	10.13135/2421	NUM
ejif-4913	180	9	-	-	SYM
ejif-4913	180	10	2172/4913	2172/4913	NUM
ejif-4913	180	11	7	7	NUM
ejif-4913	180	12	more	more	ADJ
ejif-4913	180	13	than	than	ADP
ejif-4913	180	14	half	half	NOUN
ejif-4913	180	15	(	(	PUNCT
ejif-4913	180	16	59	59	NUM
ejif-4913	180	17	%	%	NOUN
ejif-4913	180	18	)	)	PUNCT
ejif-4913	180	19	of	of	ADP
ejif-4913	180	20	survey	survey	NOUN
ejif-4913	180	21	respondents	respondent	NOUN
ejif-4913	180	22	are	be	AUX
ejif-4913	180	23	young	young	ADJ
ejif-4913	180	24	,	,	PUNCT
ejif-4913	180	25	with	with	ADP
ejif-4913	180	26	an	an	DET
ejif-4913	180	27	average	average	ADJ
ejif-4913	180	28	age	age	NOUN
ejif-4913	180	29	of	of	ADP
ejif-4913	180	30	24	24	NUM
ejif-4913	180	31	years	year	NOUN
ejif-4913	180	32	.	.	PUNCT
ejif-4913	181	1	likewise	likewise	ADV
ejif-4913	181	2	,	,	PUNCT
ejif-4913	181	3	survey	survey	NOUN
ejif-4913	181	4	results	result	NOUN
ejif-4913	181	5	show	show	VERB
ejif-4913	181	6	that	that	SCONJ
ejif-4913	181	7	81	81	NUM
ejif-4913	181	8	%	%	NOUN
ejif-4913	181	9	of	of	ADP
ejif-4913	181	10	respondents	respondent	NOUN
ejif-4913	181	11	prefer	prefer	VERB
ejif-4913	181	12	remote	remote	ADJ
ejif-4913	181	13	banking	banking	NOUN
ejif-4913	181	14	through	through	ADP
ejif-4913	181	15	website	website	NOUN
ejif-4913	181	16	(	(	PUNCT
ejif-4913	181	17	29	29	NUM
ejif-4913	181	18	%	%	NOUN
ejif-4913	181	19	)	)	PUNCT
ejif-4913	181	20	and	and	CCONJ
ejif-4913	181	21	mobile	mobile	ADJ
ejif-4913	181	22	banking	banking	NOUN
ejif-4913	181	23	application	application	NOUN
ejif-4913	181	24	(	(	PUNCT
ejif-4913	181	25	52	52	NUM
ejif-4913	181	26	%	%	NOUN
ejif-4913	181	27	)	)	PUNCT
ejif-4913	181	28	.	.	PUNCT
ejif-4913	182	1	furthermore	furthermore	ADV
ejif-4913	182	2	,	,	PUNCT
ejif-4913	182	3	during	during	ADP
ejif-4913	182	4	the	the	DET
ejif-4913	182	5	confinement	confinement	NOUN
ejif-4913	182	6	and	and	CCONJ
ejif-4913	182	7	curfew	curfew	NOUN
ejif-4913	182	8	period	period	NOUN
ejif-4913	182	9	,	,	PUNCT
ejif-4913	182	10	75	75	NUM
ejif-4913	182	11	%	%	NOUN
ejif-4913	182	12	of	of	ADP
ejif-4913	182	13	the	the	DET
ejif-4913	182	14	respondents	respondent	NOUN
ejif-4913	182	15	to	to	ADP
ejif-4913	182	16	the	the	DET
ejif-4913	182	17	survey	survey	NOUN
ejif-4913	182	18	used	use	VERB
ejif-4913	182	19	remote	remote	ADJ
ejif-4913	182	20	banking	banking	NOUN
ejif-4913	182	21	services	service	NOUN
ejif-4913	182	22	.	.	PUNCT
ejif-4913	183	1	a	a	DET
ejif-4913	183	2	large	large	ADJ
ejif-4913	183	3	proportion	proportion	NOUN
ejif-4913	183	4	(	(	PUNCT
ejif-4913	183	5	86	86	NUM
ejif-4913	183	6	%	%	NOUN
ejif-4913	183	7	)	)	PUNCT
ejif-4913	183	8	confirmed	confirm	VERB
ejif-4913	183	9	that	that	SCONJ
ejif-4913	183	10	digital	digital	ADJ
ejif-4913	183	11	banking	banking	NOUN
ejif-4913	183	12	services	service	NOUN
ejif-4913	183	13	are	be	AUX
ejif-4913	183	14	useful	useful	ADJ
ejif-4913	183	15	in	in	ADP
ejif-4913	183	16	times	time	NOUN
ejif-4913	183	17	of	of	ADP
ejif-4913	183	18	crisis	crisis	NOUN
ejif-4913	183	19	as	as	ADV
ejif-4913	183	20	well	well	ADV
ejif-4913	183	21	as	as	ADP
ejif-4913	183	22	in	in	ADP
ejif-4913	183	23	normal	normal	ADJ
ejif-4913	183	24	times	time	NOUN
ejif-4913	183	25	.	.	PUNCT
ejif-4913	184	1	in	in	ADP
ejif-4913	184	2	addition	addition	NOUN
ejif-4913	184	3	,	,	PUNCT
ejif-4913	184	4	more	more	ADJ
ejif-4913	184	5	than	than	ADP
ejif-4913	184	6	80	80	NUM
ejif-4913	184	7	%	%	NOUN
ejif-4913	184	8	of	of	ADP
ejif-4913	184	9	respondents	respondent	NOUN
ejif-4913	184	10	are	be	AUX
ejif-4913	184	11	not	not	PART
ejif-4913	184	12	clients	client	NOUN
ejif-4913	184	13	of	of	ADP
ejif-4913	184	14	a	a	DET
ejif-4913	184	15	participatory	participatory	ADJ
ejif-4913	184	16	bank	bank	NOUN
ejif-4913	184	17	or	or	CCONJ
ejif-4913	184	18	window	window	NOUN
ejif-4913	184	19	,	,	PUNCT
ejif-4913	184	20	however	however	ADV
ejif-4913	184	21	61	61	NUM
ejif-4913	184	22	%	%	NOUN
ejif-4913	184	23	(	(	PUNCT
ejif-4913	184	24	fig	fig	NOUN
ejif-4913	184	25	.	.	PUNCT
ejif-4913	185	1	3	3	NUM
ejif-4913	185	2	)	)	PUNCT
ejif-4913	185	3	of	of	ADP
ejif-4913	185	4	them	they	PRON
ejif-4913	185	5	believe	believe	VERB
ejif-4913	185	6	that	that	SCONJ
ejif-4913	185	7	digital	digital	ADJ
ejif-4913	185	8	technology	technology	NOUN
ejif-4913	185	9	will	will	AUX
ejif-4913	185	10	improve	improve	VERB
ejif-4913	185	11	their	their	PRON
ejif-4913	185	12	relationship	relationship	NOUN
ejif-4913	185	13	with	with	ADP
ejif-4913	185	14	this	this	DET
ejif-4913	185	15	new	new	ADJ
ejif-4913	185	16	industry	industry	NOUN
ejif-4913	185	17	.	.	PUNCT
ejif-4913	186	1	they	they	PRON
ejif-4913	186	2	also	also	ADV
ejif-4913	186	3	believe	believe	VERB
ejif-4913	186	4	that	that	SCONJ
ejif-4913	186	5	the	the	DET
ejif-4913	186	6	digitalization	digitalization	NOUN
ejif-4913	186	7	of	of	ADP
ejif-4913	186	8	most	most	ADJ
ejif-4913	186	9	of	of	ADP
ejif-4913	186	10	the	the	DET
ejif-4913	186	11	services	service	NOUN
ejif-4913	186	12	offered	offer	VERB
ejif-4913	186	13	by	by	ADP
ejif-4913	186	14	the	the	DET
ejif-4913	186	15	participatory	participatory	ADJ
ejif-4913	186	16	banks	bank	NOUN
ejif-4913	186	17	and	and	CCONJ
ejif-4913	186	18	windows	window	NOUN
ejif-4913	186	19	will	will	AUX
ejif-4913	186	20	constitute	constitute	VERB
ejif-4913	186	21	a	a	DET
ejif-4913	186	22	competitive	competitive	ADJ
ejif-4913	186	23	advantage	advantage	NOUN
ejif-4913	186	24	over	over	ADP
ejif-4913	186	25	traditional	traditional	ADJ
ejif-4913	186	26	banks	bank	NOUN
ejif-4913	186	27	.	.	PUNCT
ejif-4913	187	1	figure	figure	VERB
ejif-4913	187	2	3	3	NUM
ejif-4913	187	3	.	.	PUNCT
ejif-4913	187	4	digital	digital	ADJ
ejif-4913	187	5	transformation	transformation	NOUN
ejif-4913	187	6	and	and	CCONJ
ejif-4913	187	7	moroccans	moroccans	PROPN
ejif-4913	187	8	interest	interest	NOUN
ejif-4913	187	9	in	in	ADP
ejif-4913	187	10	paraticipative	paraticipative	ADJ
ejif-4913	187	11	banking	banking	NOUN
ejif-4913	187	12	institutions	institution	NOUN
ejif-4913	187	13	source	source	NOUN
ejif-4913	187	14	:	:	PUNCT
ejif-4913	187	15	constructed	construct	VERB
ejif-4913	187	16	by	by	ADP
ejif-4913	187	17	the	the	DET
ejif-4913	187	18	authors	author	NOUN
ejif-4913	187	19	based	base	VERB
ejif-4913	187	20	on	on	ADP
ejif-4913	187	21	survey	survey	NOUN
ejif-4913	187	22	results	result	NOUN
ejif-4913	187	23	it	it	PRON
ejif-4913	187	24	should	should	AUX
ejif-4913	187	25	be	be	AUX
ejif-4913	187	26	noted	note	VERB
ejif-4913	187	27	that	that	SCONJ
ejif-4913	187	28	the	the	DET
ejif-4913	187	29	doubt	doubt	NOUN
ejif-4913	187	30	on	on	ADP
ejif-4913	187	31	the	the	DET
ejif-4913	187	32	conformity	conformity	NOUN
ejif-4913	187	33	with	with	ADP
ejif-4913	187	34	sharia	sharia	PROPN
ejif-4913	187	35	of	of	ADP
ejif-4913	187	36	the	the	DET
ejif-4913	187	37	services	service	NOUN
ejif-4913	187	38	and	and	CCONJ
ejif-4913	187	39	products	product	NOUN
ejif-4913	187	40	offered	offer	VERB
ejif-4913	187	41	by	by	ADP
ejif-4913	187	42	the	the	DET
ejif-4913	187	43	participatory	participatory	ADJ
ejif-4913	187	44	banks	bank	NOUN
ejif-4913	187	45	and	and	CCONJ
ejif-4913	187	46	windows	window	NOUN
ejif-4913	187	47	,	,	PUNCT
ejif-4913	187	48	is	be	AUX
ejif-4913	187	49	the	the	DET
ejif-4913	187	50	second	second	ADJ
ejif-4913	187	51	main	main	ADJ
ejif-4913	187	52	reason	reason	NOUN
ejif-4913	187	53	for	for	ADP
ejif-4913	187	54	the	the	DET
ejif-4913	187	55	small	small	ADJ
ejif-4913	187	56	number	number	NOUN
ejif-4913	187	57	of	of	ADP
ejif-4913	187	58	customers	customer	NOUN
ejif-4913	187	59	of	of	ADP
ejif-4913	187	60	these	these	DET
ejif-4913	187	61	institutions	institution	NOUN
ejif-4913	187	62	.	.	PUNCT
ejif-4913	188	1	the	the	DET
ejif-4913	188	2	first	first	ADJ
ejif-4913	188	3	reason	reason	NOUN
ejif-4913	188	4	is	be	AUX
ejif-4913	188	5	the	the	DET
ejif-4913	188	6	problem	problem	NOUN
ejif-4913	188	7	of	of	ADP
ejif-4913	188	8	proximity	proximity	NOUN
ejif-4913	188	9	of	of	ADP
ejif-4913	188	10	branches	branch	NOUN
ejif-4913	188	11	to	to	ADP
ejif-4913	188	12	customers	customer	NOUN
ejif-4913	188	13	.	.	PUNCT
ejif-4913	189	1	moreover	moreover	ADV
ejif-4913	189	2	,	,	PUNCT
ejif-4913	189	3	even	even	ADV
ejif-4913	189	4	among	among	ADP
ejif-4913	189	5	the	the	DET
ejif-4913	189	6	clients	client	NOUN
ejif-4913	189	7	of	of	ADP
ejif-4913	189	8	these	these	DET
ejif-4913	189	9	institutions	institution	NOUN
ejif-4913	189	10	,	,	PUNCT
ejif-4913	189	11	30	30	NUM
ejif-4913	189	12	%	%	NOUN
ejif-4913	189	13	of	of	ADP
ejif-4913	189	14	them	they	PRON
ejif-4913	189	15	confirm	confirm	VERB
ejif-4913	189	16	that	that	SCONJ
ejif-4913	189	17	the	the	DET
ejif-4913	189	18	branches	branch	NOUN
ejif-4913	189	19	where	where	SCONJ
ejif-4913	189	20	they	they	PRON
ejif-4913	189	21	have	have	AUX
ejif-4913	189	22	opened	open	VERB
ejif-4913	189	23	a	a	DET
ejif-4913	189	24	bank	bank	NOUN
ejif-4913	189	25	account	account	NOUN
ejif-4913	189	26	are	be	AUX
ejif-4913	189	27	far	far	ADV
ejif-4913	189	28	from	from	ADP
ejif-4913	189	29	their	their	PRON
ejif-4913	189	30	home	home	NOUN
ejif-4913	189	31	and	and	CCONJ
ejif-4913	189	32	work	work	NOUN
ejif-4913	189	33	.	.	PUNCT
ejif-4913	190	1	as	as	ADP
ejif-4913	190	2	for	for	ADP
ejif-4913	190	3	the	the	DET
ejif-4913	190	4	current	current	ADJ
ejif-4913	190	5	remote	remote	ADJ
ejif-4913	190	6	banking	banking	NOUN
ejif-4913	190	7	services	service	NOUN
ejif-4913	190	8	offered	offer	VERB
ejif-4913	190	9	by	by	ADP
ejif-4913	190	10	some	some	DET
ejif-4913	190	11	participatory	participatory	ADJ
ejif-4913	190	12	banks	bank	NOUN
ejif-4913	190	13	and	and	CCONJ
ejif-4913	190	14	windows	window	NOUN
ejif-4913	190	15	,	,	PUNCT
ejif-4913	190	16	43	43	NUM
ejif-4913	190	17	%	%	NOUN
ejif-4913	190	18	of	of	ADP
ejif-4913	190	19	respondents	respondent	NOUN
ejif-4913	190	20	(	(	PUNCT
ejif-4913	190	21	fig.4),having	fig.4),have	VERB
ejif-4913	190	22	a	a	DET
ejif-4913	190	23	bank	bank	NOUN
ejif-4913	190	24	account	account	NOUN
ejif-4913	190	25	both	both	PRON
ejif-4913	190	26	in	in	ADP
ejif-4913	190	27	a	a	DET
ejif-4913	190	28	participatory	participatory	ADJ
ejif-4913	190	29	and	and	CCONJ
ejif-4913	190	30	conventional	conventional	ADJ
ejif-4913	190	31	bank	bank	NOUN
ejif-4913	190	32	,	,	PUNCT
ejif-4913	190	33	confirm	confirm	VERB
ejif-4913	190	34	that	that	SCONJ
ejif-4913	190	35	remote	remote	ADJ
ejif-4913	190	36	banking	banking	NOUN
ejif-4913	190	37	services	service	NOUN
ejif-4913	190	38	(	(	PUNCT
ejif-4913	190	39	ebanking	ebanking	ADJ
ejif-4913	190	40	and	and	CCONJ
ejif-4913	190	41	m	m	NOUN
ejif-4913	190	42	-	-	NOUN
ejif-4913	190	43	banking	banking	NOUN
ejif-4913	190	44	)	)	PUNCT
ejif-4913	190	45	of	of	ADP
ejif-4913	190	46	these	these	DET
ejif-4913	190	47	institutions	institution	NOUN
ejif-4913	190	48	are	be	AUX
ejif-4913	190	49	poorly	poorly	ADV
ejif-4913	190	50	developed	develop	VERB
ejif-4913	190	51	compared	compare	VERB
ejif-4913	190	52	to	to	ADP
ejif-4913	190	53	those	those	PRON
ejif-4913	190	54	offered	offer	VERB
ejif-4913	190	55	by	by	ADP
ejif-4913	190	56	conventional	conventional	ADJ
ejif-4913	190	57	banks	bank	NOUN
ejif-4913	190	58	.	.	PUNCT
ejif-4913	191	1	figure	figure	VERB
ejif-4913	191	2	4	4	NUM
ejif-4913	191	3	.	.	PUNCT
ejif-4913	191	4	developpement	developpement	PROPN
ejif-4913	191	5	degree	degree	NOUN
ejif-4913	191	6	of	of	ADP
ejif-4913	191	7	remote	remote	ADJ
ejif-4913	191	8	bankig	bankig	NOUN
ejif-4913	191	9	services	service	NOUN
ejif-4913	191	10	of	of	ADP
ejif-4913	191	11	participatory	participatory	ADJ
ejif-4913	191	12	banks	bank	NOUN
ejif-4913	191	13	and	and	CCONJ
ejif-4913	191	14	windows	window	NOUN
ejif-4913	191	15	source	source	NOUN
ejif-4913	191	16	:	:	PUNCT
ejif-4913	191	17	constructed	construct	VERB
ejif-4913	191	18	by	by	ADP
ejif-4913	191	19	the	the	DET
ejif-4913	191	20	authors	author	NOUN
ejif-4913	191	21	based	base	VERB
ejif-4913	191	22	on	on	ADP
ejif-4913	191	23	survey	survey	NOUN
ejif-4913	191	24	results	result	NOUN
ejif-4913	191	25	on	on	ADP
ejif-4913	191	26	the	the	DET
ejif-4913	191	27	other	other	ADJ
ejif-4913	191	28	hand	hand	NOUN
ejif-4913	191	29	,	,	PUNCT
ejif-4913	191	30	to	to	PART
ejif-4913	191	31	enlighten	enlighten	VERB
ejif-4913	191	32	the	the	DET
ejif-4913	191	33	actors	actor	NOUN
ejif-4913	191	34	of	of	ADP
ejif-4913	191	35	the	the	DET
ejif-4913	191	36	participatory	participatory	ADJ
ejif-4913	191	37	banking	banking	NOUN
ejif-4913	191	38	sector	sector	NOUN
ejif-4913	191	39	in	in	ADP
ejif-4913	191	40	morocco	morocco	PROPN
ejif-4913	191	41	on	on	ADP
ejif-4913	191	42	the	the	DET
ejif-4913	191	43	most	most	ADV
ejif-4913	191	44	important	important	ADJ
ejif-4913	191	45	criteria	criterion	NOUN
ejif-4913	191	46	to	to	PART
ejif-4913	191	47	consider	consider	VERB
ejif-4913	191	48	when	when	SCONJ
ejif-4913	191	49	setting	set	VERB
ejif-4913	191	50	up	up	ADP
ejif-4913	191	51	the	the	DET
ejif-4913	191	52	digitalization	digitalization	NOUN
ejif-4913	191	53	process	process	NOUN
ejif-4913	191	54	of	of	ADP
ejif-4913	191	55	their	their	PRON
ejif-4913	191	56	services	service	NOUN
ejif-4913	191	57	,	,	PUNCT
ejif-4913	191	58	we	we	PRON
ejif-4913	191	59	devoted	devote	VERB
ejif-4913	191	60	part	part	NOUN
ejif-4913	191	61	of	of	ADP
ejif-4913	191	62	the	the	DET
ejif-4913	191	63	survey	survey	NOUN
ejif-4913	191	64	to	to	ADP
ejif-4913	191	65	this	this	DET
ejif-4913	191	66	question	question	NOUN
ejif-4913	191	67	.	.	PUNCT
ejif-4913	192	1	according	accord	VERB
ejif-4913	192	2	to	to	ADP
ejif-4913	192	3	the	the	DET
ejif-4913	192	4	results	result	NOUN
ejif-4913	192	5	,	,	PUNCT
ejif-4913	192	6	the	the	DET
ejif-4913	192	7	respondents	respondent	NOUN
ejif-4913	192	8	put	put	VERB
ejif-4913	192	9	forward	forward	ADV
ejif-4913	192	10	five	five	NUM
ejif-4913	192	11	criteria	criterion	NOUN
ejif-4913	192	12	:	:	PUNCT
ejif-4913	192	13	•	•	NUM
ejif-4913	192	14	free	free	ADJ
ejif-4913	192	15	services	service	NOUN
ejif-4913	192	16	as	as	ADP
ejif-4913	192	17	part	part	NOUN
ejif-4913	192	18	of	of	ADP
ejif-4913	192	19	digital	digital	ADJ
ejif-4913	192	20	banking	banking	NOUN
ejif-4913	192	21	,	,	PUNCT
ejif-4913	192	22	•	•	NUM
ejif-4913	192	23	diversification	diversification	NOUN
ejif-4913	192	24	of	of	ADP
ejif-4913	192	25	remote	remote	ADJ
ejif-4913	192	26	banking	banking	NOUN
ejif-4913	192	27	services	service	NOUN
ejif-4913	192	28	;	;	PUNCT
ejif-4913	192	29	•	•	NUM
ejif-4913	192	30	security	security	NOUN
ejif-4913	192	31	of	of	ADP
ejif-4913	192	32	personal	personal	ADJ
ejif-4913	192	33	data	datum	NOUN
ejif-4913	192	34	;	;	PUNCT
ejif-4913	192	35	•	•	NUM
ejif-4913	192	36	speed	speed	NOUN
ejif-4913	192	37	and	and	CCONJ
ejif-4913	192	38	immediacy	immediacy	NOUN
ejif-4913	192	39	in	in	ADP
ejif-4913	192	40	the	the	DET
ejif-4913	192	41	processing	processing	NOUN
ejif-4913	192	42	of	of	ADP
ejif-4913	192	43	requests	request	NOUN
ejif-4913	192	44	and	and	CCONJ
ejif-4913	192	45	operations	operation	NOUN
ejif-4913	192	46	;	;	PUNCT
ejif-4913	193	1	•	•	NUM
ejif-4913	193	2	control	control	NOUN
ejif-4913	193	3	of	of	ADP
ejif-4913	193	4	technical	technical	ADJ
ejif-4913	193	5	breakdowns	breakdown	NOUN
ejif-4913	193	6	;	;	PUNCT
ejif-4913	193	7	furthermore	furthermore	ADV
ejif-4913	193	8	,	,	PUNCT
ejif-4913	193	9	most	most	ADJ
ejif-4913	193	10	respondents	respondent	NOUN
ejif-4913	193	11	(	(	PUNCT
ejif-4913	193	12	79	79	NUM
ejif-4913	193	13	%	%	NOUN
ejif-4913	193	14	)	)	PUNCT
ejif-4913	193	15	believe	believe	VERB
ejif-4913	193	16	that	that	SCONJ
ejif-4913	193	17	digital	digital	ADJ
ejif-4913	193	18	transformation	transformation	NOUN
ejif-4913	193	19	of	of	ADP
ejif-4913	193	20	participatory	participatory	ADJ
ejif-4913	193	21	banking	banking	NOUN
ejif-4913	193	22	services	service	NOUN
ejif-4913	193	23	should	should	AUX
ejif-4913	193	24	only	only	ADV
ejif-4913	193	25	be	be	AUX
ejif-4913	193	26	partial	partial	ADJ
ejif-4913	193	27	and	and	CCONJ
ejif-4913	193	28	not	not	PART
ejif-4913	193	29	integral	integral	ADJ
ejif-4913	193	30	,	,	PUNCT
ejif-4913	193	31	given	give	VERB
ejif-4913	193	32	that	that	SCONJ
ejif-4913	193	33	there	there	PRON
ejif-4913	193	34	would	would	AUX
ejif-4913	193	35	still	still	ADV
ejif-4913	193	36	be	be	AUX
ejif-4913	193	37	a	a	DET
ejif-4913	193	38	part	part	NOUN
ejif-4913	193	39	of	of	ADP
ejif-4913	193	40	the	the	DET
ejif-4913	193	41	population	population	NOUN
ejif-4913	193	42	that	that	PRON
ejif-4913	193	43	prefers	prefer	VERB
ejif-4913	193	44	on	on	ADP
ejif-4913	193	45	-	-	PUNCT
ejif-4913	193	46	site	site	NOUN
ejif-4913	193	47	banking	banking	NOUN
ejif-4913	193	48	.	.	PUNCT
ejif-4913	194	1	thus	thus	ADV
ejif-4913	194	2	,	,	PUNCT
ejif-4913	194	3	the	the	DET
ejif-4913	194	4	table	table	NOUN
ejif-4913	194	5	3	3	NUM
ejif-4913	194	6	summarizes	summarize	VERB
ejif-4913	194	7	the	the	DET
ejif-4913	194	8	results	result	NOUN
ejif-4913	194	9	of	of	ADP
ejif-4913	194	10	the	the	DET
ejif-4913	194	11	confrontation	confrontation	NOUN
ejif-4913	194	12	of	of	ADP
ejif-4913	194	13	the	the	DET
ejif-4913	194	14	initial	initial	ADJ
ejif-4913	194	15	hypotheses	hypothesis	NOUN
ejif-4913	194	16	with	with	ADP
ejif-4913	194	17	the	the	DET
ejif-4913	194	18	empirical	empirical	ADJ
ejif-4913	194	19	study	study	NOUN
ejif-4913	194	20	.	.	PUNCT
ejif-4913	195	1	table	table	NOUN
ejif-4913	195	2	iii	iii	PROPN
ejif-4913	195	3	.	.	PUNCT
ejif-4913	196	1	the	the	DET
ejif-4913	196	2	researchhyotheses	researchhyothese	NOUN
ejif-4913	196	3	confronted	confront	VERB
ejif-4913	196	4	with	with	ADP
ejif-4913	196	5	survey	survey	NOUN
ejif-4913	196	6	findings	finding	NOUN
ejif-4913	196	7	hypotheses	hypothesis	NOUN
ejif-4913	196	8	findings	finding	VERB
ejif-4913	196	9	digital	digital	ADJ
ejif-4913	196	10	banking	banking	NOUN
ejif-4913	196	11	is	be	AUX
ejif-4913	196	12	of	of	ADP
ejif-4913	196	13	much	much	ADV
ejif-4913	196	14	more	more	ADJ
ejif-4913	196	15	interest	interest	NOUN
ejif-4913	196	16	to	to	ADP
ejif-4913	196	17	the	the	DET
ejif-4913	196	18	young	young	ADJ
ejif-4913	196	19	people	people	NOUN
ejif-4913	196	20	;	;	PUNCT
ejif-4913	196	21	confirmed	confirm	VERB
ejif-4913	196	22	digital	digital	ADJ
ejif-4913	196	23	banking	banking	NOUN
ejif-4913	196	24	is	be	AUX
ejif-4913	196	25	indispensable	indispensable	ADJ
ejif-4913	196	26	in	in	ADP
ejif-4913	196	27	times	time	NOUN
ejif-4913	196	28	of	of	ADP
ejif-4913	196	29	crisis	crisis	NOUN
ejif-4913	196	30	as	as	ADV
ejif-4913	196	31	well	well	ADV
ejif-4913	196	32	as	as	ADP
ejif-4913	196	33	in	in	ADP
ejif-4913	196	34	normal	normal	ADJ
ejif-4913	196	35	times	time	NOUN
ejif-4913	196	36	;	;	PUNCT
ejif-4913	196	37	confirmed	confirm	VERB
ejif-4913	196	38	the	the	DET
ejif-4913	196	39	digitalization	digitalization	NOUN
ejif-4913	196	40	of	of	ADP
ejif-4913	196	41	participatory	participatory	ADJ
ejif-4913	196	42	banking	banking	NOUN
ejif-4913	196	43	services	service	NOUN
ejif-4913	196	44	is	be	AUX
ejif-4913	196	45	a	a	DET
ejif-4913	196	46	great	great	ADJ
ejif-4913	196	47	opportunity	opportunity	NOUN
ejif-4913	196	48	and	and	CCONJ
ejif-4913	196	49	a	a	DET
ejif-4913	196	50	competitive	competitive	ADJ
ejif-4913	196	51	advantage	advantage	NOUN
ejif-4913	196	52	over	over	ADP
ejif-4913	196	53	conventional	conventional	ADJ
ejif-4913	196	54	banks	bank	NOUN
ejif-4913	196	55	;	;	PUNCT
ejif-4913	196	56	confirmed	confirm	VERB
ejif-4913	196	57	digitalization	digitalization	NOUN
ejif-4913	196	58	will	will	AUX
ejif-4913	196	59	enable	enable	VERB
ejif-4913	196	60	participatory	participatory	ADJ
ejif-4913	196	61	banks	bank	NOUN
ejif-4913	196	62	/	/	SYM
ejif-4913	196	63	windows	window	NOUN
ejif-4913	196	64	to	to	PART
ejif-4913	196	65	improve	improve	VERB
ejif-4913	196	66	their	their	PRON
ejif-4913	196	67	customer	customer	NOUN
ejif-4913	196	68	relationships	relationship	NOUN
ejif-4913	196	69	and	and	CCONJ
ejif-4913	196	70	increase	increase	VERB
ejif-4913	196	71	their	their	PRON
ejif-4913	196	72	post	post	ADJ
ejif-4913	196	73	-	-	ADJ
ejif-4913	196	74	covid-19	covid-19	ADJ
ejif-4913	196	75	market	market	NOUN
ejif-4913	196	76	share	share	NOUN
ejif-4913	196	77	;	;	PUNCT
ejif-4913	196	78	confirmed	confirm	VERB
ejif-4913	196	79	the	the	DET
ejif-4913	196	80	digitalization	digitalization	NOUN
ejif-4913	196	81	of	of	ADP
ejif-4913	196	82	participatory	participatory	ADJ
ejif-4913	196	83	banks	bank	NOUN
ejif-4913	196	84	/	/	SYM
ejif-4913	196	85	windows	window	NOUN
ejif-4913	196	86	should	should	AUX
ejif-4913	196	87	be	be	AUX
ejif-4913	196	88	integral	integral	ADJ
ejif-4913	196	89	.	.	PUNCT
ejif-4913	197	1	not	not	PART
ejif-4913	197	2	confirmed	confirm	VERB
ejif-4913	197	3	source	source	NOUN
ejif-4913	197	4	:	:	PUNCT
ejif-4913	197	5	constructed	construct	VERB
ejif-4913	197	6	by	by	ADP
ejif-4913	197	7	the	the	DET
ejif-4913	197	8	authors	author	NOUN
ejif-4913	197	9	based	base	VERB
ejif-4913	197	10	on	on	ADP
ejif-4913	197	11	survey	survey	NOUN
ejif-4913	197	12	results	result	VERB
ejif-4913	197	13	d.	d.	PROPN
ejif-4913	197	14	results	result	VERB
ejif-4913	197	15	discussion	discussion	NOUN
ejif-4913	197	16	:	:	PUNCT
ejif-4913	197	17	inputs	input	NOUN
ejif-4913	197	18	,	,	PUNCT
ejif-4913	197	19	implications	implication	NOUN
ejif-4913	197	20	and	and	CCONJ
ejif-4913	197	21	limitations	limitation	NOUN
ejif-4913	197	22	ofresearch	ofresearch	CCONJ
ejif-4913	197	23	the	the	DET
ejif-4913	197	24	results	result	NOUN
ejif-4913	197	25	of	of	ADP
ejif-4913	197	26	our	our	PRON
ejif-4913	197	27	study	study	NOUN
ejif-4913	197	28	have	have	AUX
ejif-4913	197	29	indeed	indeed	ADV
ejif-4913	197	30	confirmed	confirm	VERB
ejif-4913	197	31	that	that	SCONJ
ejif-4913	197	32	the	the	DET
ejif-4913	197	33	digitalization	digitalization	NOUN
ejif-4913	197	34	of	of	ADP
ejif-4913	197	35	the	the	DET
ejif-4913	197	36	services	service	NOUN
ejif-4913	197	37	offered	offer	VERB
ejif-4913	197	38	by	by	ADP
ejif-4913	197	39	participatory	participatory	ADJ
ejif-4913	197	40	banking	banking	NOUN
ejif-4913	197	41	institutions	institution	NOUN
ejif-4913	197	42	is	be	AUX
ejif-4913	197	43	one	one	NUM
ejif-4913	197	44	of	of	ADP
ejif-4913	197	45	the	the	DET
ejif-4913	197	46	best	good	ADJ
ejif-4913	197	47	solutions	solution	NOUN
ejif-4913	197	48	for	for	ADP
ejif-4913	197	49	these	these	DET
ejif-4913	197	50	institutions	institution	NOUN
ejif-4913	197	51	to	to	PART
ejif-4913	197	52	increase	increase	VERB
ejif-4913	197	53	their	their	PRON
ejif-4913	197	54	market	market	NOUN
ejif-4913	197	55	share	share	NOUN
ejif-4913	197	56	and	and	CCONJ
ejif-4913	197	57	become	become	VERB
ejif-4913	197	58	more	more	ADV
ejif-4913	197	59	competitive	competitive	ADJ
ejif-4913	197	60	in	in	ADP
ejif-4913	197	61	the	the	DET
ejif-4913	197	62	moroccan	moroccan	ADJ
ejif-4913	197	63	banking	banking	NOUN
ejif-4913	197	64	market	market	NOUN
ejif-4913	197	65	.	.	PUNCT
ejif-4913	198	1	the	the	DET
ejif-4913	198	2	digital	digital	ADJ
ejif-4913	198	3	transformation	transformation	NOUN
ejif-4913	198	4	will	will	AUX
ejif-4913	198	5	allow	allow	VERB
ejif-4913	198	6	participatory	participatory	ADJ
ejif-4913	198	7	banks	bank	NOUN
ejif-4913	198	8	and	and	CCONJ
ejif-4913	198	9	windows	window	NOUN
ejif-4913	198	10	to	to	PART
ejif-4913	198	11	rethink	rethink	VERB
ejif-4913	198	12	and	and	CCONJ
ejif-4913	198	13	reshape	reshape	VERB
ejif-4913	198	14	their	their	PRON
ejif-4913	198	15	bm	bm	NOUN
ejif-4913	198	16	by	by	ADP
ejif-4913	198	17	implementing	implement	VERB
ejif-4913	198	18	new	new	ADJ
ejif-4913	198	19	tools	tool	NOUN
ejif-4913	198	20	,	,	PUNCT
ejif-4913	198	21	processes	process	NOUN
ejif-4913	198	22	and	and	CCONJ
ejif-4913	198	23	strategies	strategy	NOUN
ejif-4913	198	24	.	.	PUNCT
ejif-4913	199	1	3	3	NUM
ejif-4913	199	2	%	%	NOUN
ejif-4913	199	3	43	43	NUM
ejif-4913	199	4	%	%	NOUN
ejif-4913	199	5	37	37	NUM
ejif-4913	199	6	%	%	NOUN
ejif-4913	199	7	17	17	NUM
ejif-4913	199	8	%	%	NOUN
ejif-4913	199	9	not	not	PART
ejif-4913	199	10	developped	developpe	VERB
ejif-4913	199	11	little	little	ADJ
ejif-4913	199	12	developped	developped	ADJ
ejif-4913	199	13	developped	developpe	VERB
ejif-4913	199	14	very	very	ADV
ejif-4913	199	15	developped	developpe	VERB
ejif-4913	199	16	61%19	61%19	NUM
ejif-4913	199	17	%	%	NOUN
ejif-4913	199	18	20	20	NUM
ejif-4913	199	19	%	%	NOUN
ejif-4913	199	20	more	more	ADV
ejif-4913	199	21	interested	interested	ADJ
ejif-4913	199	22	less	less	ADV
ejif-4913	199	23	interested	interested	ADJ
ejif-4913	199	24	still	still	ADV
ejif-4913	199	25	not	not	PART
ejif-4913	199	26	interested	interested	ADJ
ejif-4913	199	27	ejif	ejif	PROPN
ejif-4913	199	28	–	–	PUNCT
ejif-4913	199	29	european	european	ADJ
ejif-4913	199	30	journal	journal	PROPN
ejif-4913	199	31	of	of	ADP
ejif-4913	199	32	islamic	islamic	PROPN
ejif-4913	199	33	finance	finance	PROPN
ejif-4913	199	34	islamic	islamic	PROPN
ejif-4913	199	35	finance	finance	NOUN
ejif-4913	199	36	role	role	NOUN
ejif-4913	199	37	in	in	ADP
ejif-4913	199	38	the	the	DET
ejif-4913	199	39	time	time	NOUN
ejif-4913	199	40	of	of	ADP
ejif-4913	199	41	covid-19	covid-19	PROPN
ejif-4913	199	42	pandemic	pandemic	NOUN
ejif-4913	199	43	,	,	PUNCT
ejif-4913	199	44	no	no	DET
ejif-4913	199	45	16	16	NUM
ejif-4913	199	46	,	,	PUNCT
ejif-4913	199	47	december	december	PROPN
ejif-4913	199	48	(	(	PUNCT
ejif-4913	199	49	2020	2020	NUM
ejif-4913	199	50	)	)	PUNCT
ejif-4913	200	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4913	200	2	issn	issn	VERB
ejif-4913	200	3	2421	2421	NUM
ejif-4913	200	4	-	-	SYM
ejif-4913	200	5	2172	2172	NUM
ejif-4913	200	6	doi	doi	NOUN
ejif-4913	200	7	:	:	PUNCT
ejif-4913	200	8	10.13135/2421	10.13135/2421	NUM
ejif-4913	200	9	-	-	SYM
ejif-4913	200	10	2172/4913	2172/4913	NUM
ejif-4913	200	11	8	8	NUM
ejif-4913	200	12	given	give	VERB
ejif-4913	200	13	that	that	SCONJ
ejif-4913	200	14	young	young	ADJ
ejif-4913	200	15	people	people	NOUN
ejif-4913	200	16	are	be	AUX
ejif-4913	200	17	the	the	DET
ejif-4913	200	18	category	category	NOUN
ejif-4913	200	19	most	most	ADV
ejif-4913	200	20	interested	interested	ADJ
ejif-4913	200	21	in	in	ADP
ejif-4913	200	22	digital	digital	ADJ
ejif-4913	200	23	banking	banking	NOUN
ejif-4913	200	24	,	,	PUNCT
ejif-4913	200	25	these	these	DET
ejif-4913	200	26	institutions	institution	NOUN
ejif-4913	200	27	must	must	AUX
ejif-4913	200	28	take	take	VERB
ejif-4913	200	29	this	this	DET
ejif-4913	200	30	criterion	criterion	NOUN
ejif-4913	200	31	into	into	ADP
ejif-4913	200	32	consideration	consideration	NOUN
ejif-4913	200	33	while	while	SCONJ
ejif-4913	200	34	redefining	redefine	VERB
ejif-4913	200	35	their	their	PRON
ejif-4913	200	36	bm	bm	NOUN
ejif-4913	200	37	and	and	CCONJ
ejif-4913	200	38	develop	develop	VERB
ejif-4913	200	39	remote	remote	ADJ
ejif-4913	200	40	banking	banking	NOUN
ejif-4913	200	41	services	service	NOUN
ejif-4913	200	42	adapted	adapt	VERB
ejif-4913	200	43	to	to	ADP
ejif-4913	200	44	the	the	DET
ejif-4913	200	45	needs	need	NOUN
ejif-4913	200	46	of	of	ADP
ejif-4913	200	47	this	this	DET
ejif-4913	200	48	important	important	ADJ
ejif-4913	200	49	category	category	NOUN
ejif-4913	200	50	.	.	PUNCT
ejif-4913	201	1	survey	survey	NOUN
ejif-4913	201	2	respondents	respondent	NOUN
ejif-4913	201	3	want	want	VERB
ejif-4913	201	4	the	the	DET
ejif-4913	201	5	banking	banking	NOUN
ejif-4913	201	6	services	service	NOUN
ejif-4913	201	7	offered	offer	VERB
ejif-4913	201	8	by	by	ADP
ejif-4913	201	9	participatory	participatory	ADJ
ejif-4913	201	10	banks	bank	NOUN
ejif-4913	201	11	to	to	PART
ejif-4913	201	12	be	be	AUX
ejif-4913	201	13	free	free	ADJ
ejif-4913	201	14	of	of	ADP
ejif-4913	201	15	charge	charge	NOUN
ejif-4913	201	16	.	.	PUNCT
ejif-4913	202	1	instead	instead	ADV
ejif-4913	202	2	of	of	ADP
ejif-4913	202	3	that	that	PRON
ejif-4913	202	4	,	,	PUNCT
ejif-4913	202	5	as	as	SCONJ
ejif-4913	202	6	they	they	PRON
ejif-4913	202	7	were	be	AUX
ejif-4913	202	8	launched	launch	VERB
ejif-4913	202	9	only	only	ADV
ejif-4913	202	10	two	two	NUM
ejif-4913	202	11	years	year	NOUN
ejif-4913	202	12	ago	ago	ADV
ejif-4913	202	13	and	and	CCONJ
ejif-4913	202	14	have	have	AUX
ejif-4913	202	15	not	not	PART
ejif-4913	202	16	yet	yet	ADV
ejif-4913	202	17	made	make	VERB
ejif-4913	202	18	any	any	DET
ejif-4913	202	19	profits	profit	NOUN
ejif-4913	202	20	,	,	PUNCT
ejif-4913	202	21	these	these	DET
ejif-4913	202	22	new	new	ADJ
ejif-4913	202	23	institutions	institution	NOUN
ejif-4913	202	24	should	should	AUX
ejif-4913	202	25	improve	improve	VERB
ejif-4913	202	26	their	their	PRON
ejif-4913	202	27	performance	performance	NOUN
ejif-4913	202	28	in	in	ADP
ejif-4913	202	29	the	the	DET
ejif-4913	202	30	coming	come	VERB
ejif-4913	202	31	years	year	NOUN
ejif-4913	202	32	.	.	PUNCT
ejif-4913	203	1	to	to	PART
ejif-4913	203	2	overcome	overcome	VERB
ejif-4913	203	3	this	this	DET
ejif-4913	203	4	double	double	ADJ
ejif-4913	203	5	constraint	constraint	NOUN
ejif-4913	203	6	,	,	PUNCT
ejif-4913	203	7	participatory	participatory	ADJ
ejif-4913	203	8	banks	bank	NOUN
ejif-4913	203	9	can	can	AUX
ejif-4913	203	10	draw	draw	VERB
ejif-4913	203	11	inspiration	inspiration	NOUN
ejif-4913	203	12	from	from	ADP
ejif-4913	203	13	the	the	DET
ejif-4913	203	14	pricing	pricing	NOUN
ejif-4913	203	15	model	model	NOUN
ejif-4913	203	16	followed	follow	VERB
ejif-4913	203	17	by	by	ADP
ejif-4913	203	18	most	most	ADJ
ejif-4913	203	19	online	online	ADJ
ejif-4913	203	20	banks	bank	NOUN
ejif-4913	203	21	and	and	CCONJ
ejif-4913	203	22	neo	neo	NOUN
ejif-4913	203	23	-	-	NOUN
ejif-4913	203	24	banks	bank	NOUN
ejif-4913	203	25	.	.	PUNCT
ejif-4913	204	1	this	this	PRON
ejif-4913	204	2	is	be	AUX
ejif-4913	204	3	a	a	DET
ejif-4913	204	4	model	model	NOUN
ejif-4913	204	5	that	that	PRON
ejif-4913	204	6	combines	combine	VERB
ejif-4913	204	7	free	free	ADJ
ejif-4913	204	8	everyday	everyday	ADJ
ejif-4913	204	9	services	service	NOUN
ejif-4913	204	10	(	(	PUNCT
ejif-4913	204	11	bank	bank	NOUN
ejif-4913	204	12	cards	card	NOUN
ejif-4913	204	13	,	,	PUNCT
ejif-4913	204	14	account	account	NOUN
ejif-4913	204	15	maintenance	maintenance	NOUN
ejif-4913	204	16	fees	fee	NOUN
ejif-4913	204	17	)	)	PUNCT
ejif-4913	204	18	with	with	ADP
ejif-4913	204	19	specific	specific	ADJ
ejif-4913	204	20	services	service	NOUN
ejif-4913	204	21	that	that	PRON
ejif-4913	204	22	are	be	AUX
ejif-4913	204	23	paid	pay	VERB
ejif-4913	204	24	for	for	ADP
ejif-4913	204	25	on	on	ADP
ejif-4913	204	26	a	a	DET
ejif-4913	204	27	pay	pay	VERB
ejif-4913	204	28	-	-	PUNCT
ejif-4913	204	29	per	per	ADP
ejif-4913	204	30	-	-	PUNCT
ejif-4913	204	31	use	use	NOUN
ejif-4913	204	32	basis	basis	NOUN
ejif-4913	204	33	(	(	PUNCT
ejif-4913	204	34	e.g.	e.g.	ADV
ejif-4913	204	35	unauthorized	unauthorized	ADJ
ejif-4913	204	36	overdraft	overdraft	NOUN
ejif-4913	204	37	)	)	PUNCT
ejif-4913	204	38	and	and	CCONJ
ejif-4913	204	39	products	product	NOUN
ejif-4913	204	40	that	that	PRON
ejif-4913	204	41	are	be	AUX
ejif-4913	204	42	paid	pay	VERB
ejif-4913	204	43	for	for	ADP
ejif-4913	204	44	by	by	ADP
ejif-4913	204	45	all	all	DET
ejif-4913	204	46	(	(	PUNCT
ejif-4913	204	47	financing	financing	NOUN
ejif-4913	204	48	,	,	PUNCT
ejif-4913	204	49	transfers	transfer	NOUN
ejif-4913	204	50	above	above	ADP
ejif-4913	204	51	a	a	DET
ejif-4913	204	52	certain	certain	ADJ
ejif-4913	204	53	threshold	threshold	NOUN
ejif-4913	204	54	)	)	PUNCT
ejif-4913	204	55	.	.	PUNCT
ejif-4913	205	1	for	for	ADP
ejif-4913	205	2	day	day	NOUN
ejif-4913	205	3	-	-	PUNCT
ejif-4913	205	4	to	to	ADP
ejif-4913	205	5	-	-	PUNCT
ejif-4913	205	6	day	day	NOUN
ejif-4913	205	7	banking	banking	NOUN
ejif-4913	205	8	products	product	NOUN
ejif-4913	205	9	,	,	PUNCT
ejif-4913	205	10	some	some	PRON
ejif-4913	205	11	are	be	AUX
ejif-4913	205	12	implementing	implement	VERB
ejif-4913	205	13	a	a	DET
ejif-4913	205	14	"	"	PUNCT
ejif-4913	205	15	freemium	freemium	NOUN
ejif-4913	205	16	"	"	PUNCT
ejif-4913	205	17	model	model	NOUN
ejif-4913	205	18	in	in	ADP
ejif-4913	205	19	which	which	PRON
ejif-4913	205	20	a	a	DET
ejif-4913	205	21	free	free	ADJ
ejif-4913	205	22	basic	basic	ADJ
ejif-4913	205	23	offer	offer	NOUN
ejif-4913	205	24	coexists	coexist	VERB
ejif-4913	205	25	with	with	ADP
ejif-4913	205	26	a	a	DET
ejif-4913	205	27	"	"	PUNCT
ejif-4913	205	28	top	top	ADJ
ejif-4913	205	29	-	-	PUNCT
ejif-4913	205	30	of	of	ADP
ejif-4913	205	31	-	-	PUNCT
ejif-4913	205	32	the	the	DET
ejif-4913	205	33	-	-	PUNCT
ejif-4913	205	34	range	range	NOUN
ejif-4913	205	35	"	"	PUNCT
ejif-4913	205	36	offer	offer	NOUN
ejif-4913	205	37	that	that	PRON
ejif-4913	205	38	provides	provide	VERB
ejif-4913	205	39	access	access	NOUN
ejif-4913	205	40	to	to	ADP
ejif-4913	205	41	certain	certain	ADJ
ejif-4913	205	42	additional	additional	ADJ
ejif-4913	205	43	services	service	NOUN
ejif-4913	205	44	.	.	PUNCT
ejif-4913	206	1	however	however	ADV
ejif-4913	206	2	,	,	PUNCT
ejif-4913	206	3	there	there	PRON
ejif-4913	206	4	may	may	AUX
ejif-4913	206	5	also	also	ADV
ejif-4913	206	6	be	be	AUX
ejif-4913	206	7	conditions	condition	NOUN
ejif-4913	206	8	under	under	ADP
ejif-4913	206	9	which	which	PRON
ejif-4913	206	10	the	the	DET
ejif-4913	206	11	services	service	NOUN
ejif-4913	206	12	are	be	AUX
ejif-4913	206	13	free	free	ADJ
ejif-4913	206	14	of	of	ADP
ejif-4913	206	15	charge	charge	NOUN
ejif-4913	206	16	,	,	PUNCT
ejif-4913	206	17	which	which	PRON
ejif-4913	206	18	require	require	VERB
ejif-4913	206	19	regular	regular	ADJ
ejif-4913	206	20	use	use	NOUN
ejif-4913	206	21	of	of	ADP
ejif-4913	206	22	the	the	DET
ejif-4913	206	23	account	account	NOUN
ejif-4913	206	24	or	or	CCONJ
ejif-4913	206	25	the	the	DET
ejif-4913	206	26	choice	choice	NOUN
ejif-4913	206	27	of	of	ADP
ejif-4913	206	28	the	the	DET
ejif-4913	206	29	institution	institution	NOUN
ejif-4913	206	30	as	as	ADP
ejif-4913	206	31	the	the	DET
ejif-4913	206	32	main	main	ADJ
ejif-4913	206	33	bank	bank	NOUN
ejif-4913	206	34	.	.	PUNCT
ejif-4913	207	1	indeed	indeed	ADV
ejif-4913	207	2	,	,	PUNCT
ejif-4913	207	3	digital	digital	ADJ
ejif-4913	207	4	banking	banking	NOUN
ejif-4913	207	5	works	work	VERB
ejif-4913	207	6	to	to	PART
ejif-4913	207	7	strengthen	strengthen	VERB
ejif-4913	207	8	and	and	CCONJ
ejif-4913	207	9	simplify	simplify	VERB
ejif-4913	207	10	human	human	ADJ
ejif-4913	207	11	relations	relation	NOUN
ejif-4913	207	12	and	and	CCONJ
ejif-4913	207	13	provide	provide	VERB
ejif-4913	207	14	the	the	DET
ejif-4913	207	15	best	good	ADJ
ejif-4913	207	16	possible	possible	ADJ
ejif-4913	207	17	customer	customer	NOUN
ejif-4913	207	18	experience	experience	NOUN
ejif-4913	207	19	.	.	PUNCT
ejif-4913	208	1	however	however	ADV
ejif-4913	208	2	,	,	PUNCT
ejif-4913	208	3	the	the	DET
ejif-4913	208	4	transformation	transformation	NOUN
ejif-4913	208	5	of	of	ADP
ejif-4913	208	6	the	the	DET
ejif-4913	208	7	customer	customer	NOUN
ejif-4913	208	8	experience	experience	NOUN
ejif-4913	208	9	is	be	AUX
ejif-4913	208	10	only	only	ADV
ejif-4913	208	11	the	the	DET
ejif-4913	208	12	submerged	submerged	ADJ
ejif-4913	208	13	face	face	NOUN
ejif-4913	208	14	of	of	ADP
ejif-4913	208	15	the	the	DET
ejif-4913	208	16	digital	digital	ADJ
ejif-4913	208	17	transformation	transformation	NOUN
ejif-4913	208	18	of	of	ADP
ejif-4913	208	19	participatory	participatory	ADJ
ejif-4913	208	20	banks/	banks/	PROPN
ejif-4913	208	21	windows	window	NOUN
ejif-4913	208	22	,	,	PUNCT
ejif-4913	208	23	which	which	PRON
ejif-4913	208	24	impacts	impact	VERB
ejif-4913	208	25	to	to	ADP
ejif-4913	208	26	a	a	DET
ejif-4913	208	27	large	large	ADJ
ejif-4913	208	28	extent	extent	NOUN
ejif-4913	208	29	their	their	PRON
ejif-4913	208	30	operational	operational	ADJ
ejif-4913	208	31	processes	process	NOUN
ejif-4913	208	32	.	.	PUNCT
ejif-4913	209	1	the	the	DET
ejif-4913	209	2	digitalization	digitalization	NOUN
ejif-4913	209	3	of	of	ADP
ejif-4913	209	4	a	a	DET
ejif-4913	209	5	large	large	ADJ
ejif-4913	209	6	part	part	NOUN
ejif-4913	209	7	of	of	ADP
ejif-4913	209	8	the	the	DET
ejif-4913	209	9	processes	process	NOUN
ejif-4913	209	10	is	be	AUX
ejif-4913	209	11	indeed	indeed	ADV
ejif-4913	209	12	a	a	DET
ejif-4913	209	13	strong	strong	ADJ
ejif-4913	209	14	growth	growth	NOUN
ejif-4913	209	15	opportunity	opportunity	NOUN
ejif-4913	209	16	for	for	ADP
ejif-4913	209	17	the	the	DET
ejif-4913	209	18	participatory	participatory	ADJ
ejif-4913	209	19	banks	bank	NOUN
ejif-4913	209	20	and	and	CCONJ
ejif-4913	209	21	windows	window	NOUN
ejif-4913	209	22	,	,	PUNCT
ejif-4913	209	23	enabling	enable	VERB
ejif-4913	209	24	it	it	PRON
ejif-4913	209	25	to	to	PART
ejif-4913	209	26	shorten	shorten	VERB
ejif-4913	209	27	and	and	CCONJ
ejif-4913	209	28	simplify	simplify	VERB
ejif-4913	209	29	banking	banking	NOUN
ejif-4913	209	30	procedures	procedure	NOUN
ejif-4913	209	31	.	.	PUNCT
ejif-4913	210	1	it	it	PRON
ejif-4913	210	2	is	be	AUX
ejif-4913	210	3	therefore	therefore	ADV
ejif-4913	210	4	a	a	DET
ejif-4913	210	5	revolution	revolution	NOUN
ejif-4913	210	6	both	both	CCONJ
ejif-4913	210	7	external	external	ADJ
ejif-4913	210	8	and	and	CCONJ
ejif-4913	210	9	internal	internal	ADJ
ejif-4913	210	10	to	to	ADP
ejif-4913	210	11	the	the	DET
ejif-4913	210	12	bank	bank	NOUN
ejif-4913	210	13	that	that	PRON
ejif-4913	210	14	enables	enable	VERB
ejif-4913	210	15	innovation	innovation	NOUN
ejif-4913	210	16	and	and	CCONJ
ejif-4913	210	17	the	the	DET
ejif-4913	210	18	success	success	NOUN
ejif-4913	210	19	of	of	ADP
ejif-4913	210	20	the	the	DET
ejif-4913	210	21	digital	digital	ADJ
ejif-4913	210	22	transformation	transformation	NOUN
ejif-4913	210	23	.	.	PUNCT
ejif-4913	211	1	however	however	ADV
ejif-4913	211	2	,	,	PUNCT
ejif-4913	211	3	this	this	DET
ejif-4913	211	4	transformation	transformation	NOUN
ejif-4913	211	5	also	also	ADV
ejif-4913	211	6	presents	present	VERB
ejif-4913	211	7	some	some	DET
ejif-4913	211	8	challenges	challenge	NOUN
ejif-4913	211	9	and	and	CCONJ
ejif-4913	211	10	risks	risk	NOUN
ejif-4913	211	11	such	such	ADJ
ejif-4913	211	12	as	as	ADP
ejif-4913	211	13	cyber	cyber	ADJ
ejif-4913	211	14	security	security	NOUN
ejif-4913	211	15	risks	risk	NOUN
ejif-4913	211	16	,	,	PUNCT
ejif-4913	211	17	fraud	fraud	NOUN
ejif-4913	211	18	risks	risk	NOUN
ejif-4913	211	19	and	and	CCONJ
ejif-4913	211	20	problems	problem	NOUN
ejif-4913	211	21	of	of	ADP
ejif-4913	211	22	non	non	NOUN
ejif-4913	211	23	-	-	NOUN
ejif-4913	211	24	compliance	compliance	NOUN
ejif-4913	211	25	with	with	ADP
ejif-4913	211	26	banking	banking	NOUN
ejif-4913	211	27	regulations	regulation	NOUN
ejif-4913	211	28	relating	relate	VERB
ejif-4913	211	29	to	to	ADP
ejif-4913	211	30	the	the	DET
ejif-4913	211	31	opening	opening	NOUN
ejif-4913	211	32	and	and	CCONJ
ejif-4913	211	33	management	management	NOUN
ejif-4913	211	34	of	of	ADP
ejif-4913	211	35	bank	bank	NOUN
ejif-4913	211	36	accounts	account	VERB
ejif-4913	211	37	remotely	remotely	ADV
ejif-4913	211	38	.	.	PUNCT
ejif-4913	212	1	to	to	AUX
ejif-4913	212	2	best	well	ADV
ejif-4913	212	3	master	master	VERB
ejif-4913	212	4	and	and	CCONJ
ejif-4913	212	5	manage	manage	VERB
ejif-4913	212	6	these	these	DET
ejif-4913	212	7	eventual	eventual	ADJ
ejif-4913	212	8	risks	risk	NOUN
ejif-4913	212	9	,	,	PUNCT
ejif-4913	212	10	it	it	PRON
ejif-4913	212	11	is	be	AUX
ejif-4913	212	12	recommended	recommend	VERB
ejif-4913	212	13	that	that	SCONJ
ejif-4913	212	14	participatory	participatory	ADJ
ejif-4913	212	15	banking	banking	NOUN
ejif-4913	212	16	institutions	institution	NOUN
ejif-4913	212	17	implement	implement	VERB
ejif-4913	212	18	an	an	DET
ejif-4913	212	19	integrated	integrate	VERB
ejif-4913	212	20	digital	digital	ADJ
ejif-4913	212	21	strategy	strategy	NOUN
ejif-4913	212	22	,	,	PUNCT
ejif-4913	212	23	improve	improve	VERB
ejif-4913	212	24	their	their	PRON
ejif-4913	212	25	internal	internal	ADJ
ejif-4913	212	26	processes	process	NOUN
ejif-4913	212	27	and	and	CCONJ
ejif-4913	212	28	equip	equip	VERB
ejif-4913	212	29	themselves	themselves	PRON
ejif-4913	212	30	with	with	ADP
ejif-4913	212	31	a	a	DET
ejif-4913	212	32	robust	robust	ADJ
ejif-4913	212	33	,	,	PUNCT
ejif-4913	212	34	interactive	interactive	ADJ
ejif-4913	212	35	and	and	CCONJ
ejif-4913	212	36	locked	lock	VERB
ejif-4913	212	37	information	information	NOUN
ejif-4913	212	38	system	system	NOUN
ejif-4913	212	39	.	.	PUNCT
ejif-4913	213	1	in	in	ADP
ejif-4913	213	2	april	april	PROPN
ejif-4913	213	3	2020	2020	NUM
ejif-4913	213	4	,	,	PUNCT
ejif-4913	213	5	the	the	DET
ejif-4913	213	6	central	central	ADJ
ejif-4913	213	7	bank	bank	NOUN
ejif-4913	213	8	of	of	ADP
ejif-4913	213	9	morocco	morocco	PROPN
ejif-4913	213	10	(	(	PUNCT
ejif-4913	213	11	bam	bam	NOUN
ejif-4913	213	12	)	)	PUNCT
ejif-4913	213	13	has	have	AUX
ejif-4913	213	14	published	publish	VERB
ejif-4913	213	15	a	a	DET
ejif-4913	213	16	circular	circular	ADJ
ejif-4913	213	17	letter	letter	NOUN
ejif-4913	213	18	(	(	PUNCT
ejif-4913	213	19	no	no	INTJ
ejif-4913	213	20	.	.	NOUN
ejif-4913	213	21	1	1	NUM
ejif-4913	213	22	/	/	SYM
ejif-4913	213	23	dsb/22020	dsb/22020	NOUN
ejif-4913	213	24	)	)	PUNCT
ejif-4913	213	25	setting	set	VERB
ejif-4913	213	26	out	out	ADP
ejif-4913	213	27	the	the	DET
ejif-4913	213	28	application	application	NOUN
ejif-4913	213	29	modalities	modality	NOUN
ejif-4913	213	30	of	of	ADP
ejif-4913	213	31	the	the	DET
ejif-4913	213	32	provisions	provision	NOUN
ejif-4913	213	33	of	of	ADP
ejif-4913	213	34	the	the	DET
ejif-4913	213	35	circular	circular	ADJ
ejif-4913	213	36	no	no	NOUN
ejif-4913	213	37	.	.	NOUN
ejif-4913	213	38	5	5	NUM
ejif-4913	213	39	/	/	SYM
ejif-4913	213	40	w/2017	w/2017	PROPN
ejif-4913	213	41	and	and	CCONJ
ejif-4913	213	42	particularly	particularly	ADV
ejif-4913	213	43	its	its	PRON
ejif-4913	213	44	article	article	NOUN
ejif-4913	213	45	no	no	NOUN
ejif-4913	213	46	.	.	PROPN
ejif-4913	213	47	20	20	NUM
ejif-4913	213	48	which	which	PRON
ejif-4913	213	49	stipulates	stipulate	VERB
ejif-4913	213	50	the	the	DET
ejif-4913	213	51	opening	opening	NOUN
ejif-4913	213	52	of	of	ADP
ejif-4913	213	53	remote	remote	ADJ
ejif-4913	213	54	accounts	account	NOUN
ejif-4913	213	55	,	,	PUNCT
ejif-4913	213	56	including	include	VERB
ejif-4913	213	57	by	by	ADP
ejif-4913	213	58	electronic	electronic	ADJ
ejif-4913	213	59	means[40	means[40	NOUN
ejif-4913	213	60	]	]	PUNCT
ejif-4913	213	61	.	.	PUNCT
ejif-4913	214	1	thus	thus	ADV
ejif-4913	214	2	,	,	PUNCT
ejif-4913	214	3	banks	bank	NOUN
ejif-4913	214	4	are	be	AUX
ejif-4913	214	5	required	require	VERB
ejif-4913	214	6	to	to	PART
ejif-4913	214	7	implement	implement	VERB
ejif-4913	214	8	reliable	reliable	ADJ
ejif-4913	214	9	and	and	CCONJ
ejif-4913	214	10	secure	secure	VERB
ejif-4913	214	11	technological	technological	ADJ
ejif-4913	214	12	means	mean	NOUN
ejif-4913	214	13	to	to	PART
ejif-4913	214	14	ensure	ensure	VERB
ejif-4913	214	15	the	the	DET
ejif-4913	214	16	equivalence	equivalence	NOUN
ejif-4913	214	17	of	of	ADP
ejif-4913	214	18	vigilance	vigilance	NOUN
ejif-4913	214	19	ensured	ensure	VERB
ejif-4913	214	20	by	by	ADP
ejif-4913	214	21	physical	physical	ADJ
ejif-4913	214	22	presence	presence	NOUN
ejif-4913	214	23	.	.	PUNCT
ejif-4913	215	1	bam	bam	NOUN
ejif-4913	215	2	also	also	ADV
ejif-4913	215	3	requires	require	VERB
ejif-4913	215	4	that	that	SCONJ
ejif-4913	215	5	control	control	NOUN
ejif-4913	215	6	measures	measure	NOUN
ejif-4913	215	7	be	be	AUX
ejif-4913	215	8	put	put	VERB
ejif-4913	215	9	in	in	ADP
ejif-4913	215	10	place	place	NOUN
ejif-4913	215	11	to	to	PART
ejif-4913	215	12	ensure	ensure	VERB
ejif-4913	215	13	the	the	DET
ejif-4913	215	14	protection	protection	NOUN
ejif-4913	215	15	of	of	ADP
ejif-4913	215	16	personal	personal	ADJ
ejif-4913	215	17	data	datum	NOUN
ejif-4913	215	18	and	and	CCONJ
ejif-4913	215	19	to	to	PART
ejif-4913	215	20	mitigate	mitigate	VERB
ejif-4913	215	21	the	the	DET
ejif-4913	215	22	risk	risk	NOUN
ejif-4913	215	23	of	of	ADP
ejif-4913	215	24	fraud	fraud	NOUN
ejif-4913	215	25	linked	link	VERB
ejif-4913	215	26	to	to	ADP
ejif-4913	215	27	the	the	DET
ejif-4913	215	28	use	use	NOUN
ejif-4913	215	29	of	of	ADP
ejif-4913	215	30	technology	technology	NOUN
ejif-4913	215	31	.	.	PUNCT
ejif-4913	216	1	participatory	participatory	ADJ
ejif-4913	216	2	banks	bank	NOUN
ejif-4913	216	3	are	be	AUX
ejif-4913	216	4	also	also	ADV
ejif-4913	216	5	affected	affect	VERB
ejif-4913	216	6	by	by	ADP
ejif-4913	216	7	this	this	DET
ejif-4913	216	8	new	new	ADJ
ejif-4913	216	9	circular	circular	NOUN
ejif-4913	216	10	and	and	CCONJ
ejif-4913	216	11	must	must	AUX
ejif-4913	216	12	procure	procure	VERB
ejif-4913	216	13	the	the	DET
ejif-4913	216	14	appropriate	appropriate	ADJ
ejif-4913	216	15	means	mean	NOUN
ejif-4913	216	16	to	to	PART
ejif-4913	216	17	take	take	VERB
ejif-4913	216	18	advantage	advantage	NOUN
ejif-4913	216	19	of	of	ADP
ejif-4913	216	20	the	the	DET
ejif-4913	216	21	benefits	benefit	NOUN
ejif-4913	216	22	of	of	ADP
ejif-4913	216	23	this	this	DET
ejif-4913	216	24	new	new	ADJ
ejif-4913	216	25	legal	legal	ADJ
ejif-4913	216	26	improvement	improvement	NOUN
ejif-4913	216	27	.	.	PUNCT
ejif-4913	217	1	furthermore	furthermore	ADV
ejif-4913	217	2	,	,	PUNCT
ejif-4913	217	3	digital	digital	ADJ
ejif-4913	217	4	transformation	transformation	NOUN
ejif-4913	217	5	only	only	ADV
ejif-4913	217	6	makes	make	VERB
ejif-4913	217	7	sense	sense	NOUN
ejif-4913	217	8	if	if	SCONJ
ejif-4913	217	9	it	it	PRON
ejif-4913	217	10	is	be	AUX
ejif-4913	217	11	seen	see	VERB
ejif-4913	217	12	as	as	ADP
ejif-4913	217	13	a	a	DET
ejif-4913	217	14	win	win	NOUN
ejif-4913	217	15	-	-	PUNCT
ejif-4913	217	16	win	win	NOUN
ejif-4913	217	17	between	between	ADP
ejif-4913	217	18	customers	customer	NOUN
ejif-4913	217	19	and	and	CCONJ
ejif-4913	217	20	the	the	DET
ejif-4913	217	21	bank	bank	NOUN
ejif-4913	217	22	.	.	PUNCT
ejif-4913	218	1	according	accord	VERB
ejif-4913	218	2	to	to	ADP
ejif-4913	218	3	the	the	DET
ejif-4913	218	4	results	result	NOUN
ejif-4913	218	5	of	of	ADP
ejif-4913	218	6	the	the	DET
ejif-4913	218	7	study	study	NOUN
ejif-4913	218	8	carried	carry	VERB
ejif-4913	218	9	out	out	ADP
ejif-4913	218	10	by	by	ADP
ejif-4913	218	11	trusted	trust	VERB
ejif-4913	218	12	advisors	advisor	NOUN
ejif-4913	218	13	group	group	NOUN
ejif-4913	218	14	in	in	ADP
ejif-4913	218	15	2018	2018	NUM
ejif-4913	218	16	,	,	PUNCT
ejif-4913	218	17	all	all	DET
ejif-4913	218	18	moroccan	moroccan	ADJ
ejif-4913	218	19	banks	bank	NOUN
ejif-4913	218	20	are	be	AUX
ejif-4913	218	21	unanimous	unanimous	ADJ
ejif-4913	218	22	on	on	ADP
ejif-4913	218	23	the	the	DET
ejif-4913	218	24	fact	fact	NOUN
ejif-4913	218	25	that	that	SCONJ
ejif-4913	218	26	the	the	DET
ejif-4913	218	27	customer	customer	NOUN
ejif-4913	218	28	experience	experience	NOUN
ejif-4913	218	29	must	must	AUX
ejif-4913	218	30	remain	remain	VERB
ejif-4913	218	31	at	at	ADP
ejif-4913	218	32	the	the	DET
ejif-4913	218	33	center	center	NOUN
ejif-4913	218	34	of	of	ADP
ejif-4913	218	35	concerns	concern	NOUN
ejif-4913	218	36	.	.	PUNCT
ejif-4913	219	1	likewise	likewise	ADV
ejif-4913	219	2	,	,	PUNCT
ejif-4913	219	3	at	at	ADP
ejif-4913	219	4	all	all	DET
ejif-4913	219	5	levels	level	NOUN
ejif-4913	219	6	questioned	question	VERB
ejif-4913	219	7	in	in	ADP
ejif-4913	219	8	that	that	DET
ejif-4913	219	9	study	study	NOUN
ejif-4913	219	10	,	,	PUNCT
ejif-4913	219	11	it	it	PRON
ejif-4913	219	12	is	be	AUX
ejif-4913	219	13	understood	understand	VERB
ejif-4913	219	14	that	that	SCONJ
ejif-4913	219	15	the	the	DET
ejif-4913	219	16	approach	approach	NOUN
ejif-4913	219	17	to	to	ADP
ejif-4913	219	18	evolution	evolution	NOUN
ejif-4913	219	19	and	and	CCONJ
ejif-4913	219	20	digital	digital	ADJ
ejif-4913	219	21	transformation	transformation	NOUN
ejif-4913	219	22	can	can	AUX
ejif-4913	219	23	only	only	ADV
ejif-4913	219	24	be	be	AUX
ejif-4913	219	25	effective	effective	ADJ
ejif-4913	219	26	if	if	SCONJ
ejif-4913	219	27	it	it	PRON
ejif-4913	219	28	is	be	AUX
ejif-4913	219	29	collective	collective	ADJ
ejif-4913	219	30	.	.	PUNCT
ejif-4913	220	1	therefore	therefore	ADV
ejif-4913	220	2	,	,	PUNCT
ejif-4913	220	3	this	this	DET
ejif-4913	220	4	collective	collective	ADJ
ejif-4913	220	5	approach	approach	NOUN
ejif-4913	220	6	also	also	ADV
ejif-4913	220	7	includes	include	VERB
ejif-4913	220	8	the	the	DET
ejif-4913	220	9	involvement	involvement	NOUN
ejif-4913	220	10	of	of	ADP
ejif-4913	220	11	the	the	DET
ejif-4913	220	12	client	client	NOUN
ejif-4913	220	13	in	in	ADP
ejif-4913	220	14	the	the	DET
ejif-4913	220	15	thinking	thinking	NOUN
ejif-4913	220	16	process	process	NOUN
ejif-4913	220	17	.	.	PUNCT
ejif-4913	221	1	this	this	PRON
ejif-4913	221	2	will	will	AUX
ejif-4913	221	3	ensure	ensure	VERB
ejif-4913	221	4	the	the	DET
ejif-4913	221	5	anticipation	anticipation	NOUN
ejif-4913	221	6	of	of	ADP
ejif-4913	221	7	customer	customer	NOUN
ejif-4913	221	8	needs	need	VERB
ejif-4913	221	9	in	in	ADP
ejif-4913	221	10	all	all	DET
ejif-4913	221	11	responsiveness	responsiveness	NOUN
ejif-4913	221	12	and	and	CCONJ
ejif-4913	221	13	innovation	innovation	NOUN
ejif-4913	221	14	.	.	PUNCT
ejif-4913	222	1	in	in	ADP
ejif-4913	222	2	the	the	DET
ejif-4913	222	3	same	same	ADJ
ejif-4913	222	4	sense	sense	NOUN
ejif-4913	222	5	,	,	PUNCT
ejif-4913	222	6	we	we	PRON
ejif-4913	222	7	conduct	conduct	VERB
ejif-4913	222	8	this	this	DET
ejif-4913	222	9	current	current	ADJ
ejif-4913	222	10	study	study	NOUN
ejif-4913	222	11	.	.	PUNCT
ejif-4913	223	1	it	it	PRON
ejif-4913	223	2	is	be	AUX
ejif-4913	223	3	the	the	DET
ejif-4913	223	4	first	first	ADJ
ejif-4913	223	5	exploratory	exploratory	ADJ
ejif-4913	223	6	research	research	NOUN
ejif-4913	223	7	of	of	ADP
ejif-4913	223	8	its	its	PRON
ejif-4913	223	9	kind	kind	NOUN
ejif-4913	223	10	in	in	ADP
ejif-4913	223	11	morocco	morocco	PROPN
ejif-4913	223	12	that	that	PRON
ejif-4913	223	13	was	be	AUX
ejif-4913	223	14	interested	interested	ADJ
ejif-4913	223	15	in	in	ADP
ejif-4913	223	16	the	the	DET
ejif-4913	223	17	potential	potential	NOUN
ejif-4913	223	18	of	of	ADP
ejif-4913	223	19	the	the	DET
ejif-4913	223	20	digital	digital	ADJ
ejif-4913	223	21	transformation	transformation	NOUN
ejif-4913	223	22	of	of	ADP
ejif-4913	223	23	participatory	participatory	ADJ
ejif-4913	223	24	banking	banking	NOUN
ejif-4913	223	25	institutions	institution	NOUN
ejif-4913	223	26	which	which	PRON
ejif-4913	223	27	have	have	AUX
ejif-4913	223	28	been	be	AUX
ejif-4913	223	29	recently	recently	ADV
ejif-4913	223	30	launched	launch	VERB
ejif-4913	223	31	in	in	ADP
ejif-4913	223	32	the	the	DET
ejif-4913	223	33	national	national	PROPN
ejif-4913	223	34	banking	banking	NOUN
ejif-4913	223	35	sphere	sphere	NOUN
ejif-4913	223	36	.	.	PUNCT
ejif-4913	224	1	the	the	DET
ejif-4913	224	2	study	study	NOUN
ejif-4913	224	3	highlighted	highlight	VERB
ejif-4913	224	4	the	the	DET
ejif-4913	224	5	important	important	ADJ
ejif-4913	224	6	interest	interest	NOUN
ejif-4913	224	7	of	of	ADP
ejif-4913	224	8	customers	customer	NOUN
ejif-4913	224	9	and	and	CCONJ
ejif-4913	224	10	prospects	prospect	NOUN
ejif-4913	224	11	in	in	ADP
ejif-4913	224	12	digital	digital	ADJ
ejif-4913	224	13	transformation	transformation	NOUN
ejif-4913	224	14	of	of	ADP
ejif-4913	224	15	the	the	DET
ejif-4913	224	16	services	service	NOUN
ejif-4913	224	17	offered	offer	VERB
ejif-4913	224	18	by	by	ADP
ejif-4913	224	19	the	the	DET
ejif-4913	224	20	actors	actor	NOUN
ejif-4913	224	21	of	of	ADP
ejif-4913	224	22	this	this	DET
ejif-4913	224	23	new	new	ADJ
ejif-4913	224	24	banking	banking	NOUN
ejif-4913	224	25	industry	industry	NOUN
ejif-4913	224	26	.	.	PUNCT
ejif-4913	225	1	thus	thus	ADV
ejif-4913	225	2	,	,	PUNCT
ejif-4913	225	3	this	this	DET
ejif-4913	225	4	study	study	NOUN
ejif-4913	225	5	has	have	VERB
ejif-4913	225	6	implications	implication	NOUN
ejif-4913	225	7	for	for	ADP
ejif-4913	225	8	moroccan	moroccan	PROPN
ejif-4913	225	9	participatory	participatory	PROPN
ejif-4913	225	10	banking	banking	NOUN
ejif-4913	225	11	institutions	institution	NOUN
ejif-4913	225	12	.	.	PUNCT
ejif-4913	226	1	it	it	PRON
ejif-4913	226	2	could	could	AUX
ejif-4913	226	3	serve	serve	VERB
ejif-4913	226	4	as	as	ADP
ejif-4913	226	5	a	a	DET
ejif-4913	226	6	benchmark	benchmark	NOUN
ejif-4913	226	7	to	to	PART
ejif-4913	226	8	help	help	VERB
ejif-4913	226	9	them	they	PRON
ejif-4913	226	10	achieve	achieve	VERB
ejif-4913	226	11	several	several	ADJ
ejif-4913	226	12	objectives	objective	NOUN
ejif-4913	226	13	,	,	PUNCT
ejif-4913	226	14	mainly	mainly	ADV
ejif-4913	226	15	the	the	DET
ejif-4913	226	16	following	follow	VERB
ejif-4913	226	17	:	:	PUNCT
ejif-4913	226	18	•	•	ADP
ejif-4913	226	19	be	be	AUX
ejif-4913	226	20	aware	aware	ADJ
ejif-4913	226	21	in	in	ADP
ejif-4913	226	22	advance	advance	NOUN
ejif-4913	226	23	of	of	ADP
ejif-4913	226	24	the	the	DET
ejif-4913	226	25	expectations	expectation	NOUN
ejif-4913	226	26	of	of	ADP
ejif-4913	226	27	the	the	DET
ejif-4913	226	28	moroccan	moroccan	ADJ
ejif-4913	226	29	population	population	NOUN
ejif-4913	226	30	regarding	regard	VERB
ejif-4913	226	31	the	the	DET
ejif-4913	226	32	digitalization	digitalization	NOUN
ejif-4913	226	33	of	of	ADP
ejif-4913	226	34	the	the	DET
ejif-4913	226	35	participatory	participatory	ADJ
ejif-4913	226	36	banking	banking	NOUN
ejif-4913	226	37	services	service	NOUN
ejif-4913	226	38	;	;	PUNCT
ejif-4913	226	39	•	•	NUM
ejif-4913	226	40	get	get	AUX
ejif-4913	226	41	inspired	inspire	VERB
ejif-4913	226	42	by	by	ADP
ejif-4913	226	43	the	the	DET
ejif-4913	226	44	results	result	NOUN
ejif-4913	226	45	of	of	ADP
ejif-4913	226	46	this	this	DET
ejif-4913	226	47	survey	survey	NOUN
ejif-4913	226	48	when	when	SCONJ
ejif-4913	226	49	setting	set	VERB
ejif-4913	226	50	up	up	ADP
ejif-4913	226	51	the	the	DET
ejif-4913	226	52	digitalization	digitalization	NOUN
ejif-4913	226	53	process	process	NOUN
ejif-4913	226	54	of	of	ADP
ejif-4913	226	55	their	their	PRON
ejif-4913	226	56	services	service	NOUN
ejif-4913	226	57	;	;	PUNCT
ejif-4913	226	58	•	•	NUM
ejif-4913	226	59	rethink	rethink	VERB
ejif-4913	226	60	their	their	PRON
ejif-4913	226	61	bm	bm	PROPN
ejif-4913	226	62	through	through	ADP
ejif-4913	226	63	the	the	DET
ejif-4913	226	64	implementation	implementation	NOUN
ejif-4913	226	65	of	of	ADP
ejif-4913	226	66	new	new	ADJ
ejif-4913	226	67	tools	tool	NOUN
ejif-4913	226	68	,	,	PUNCT
ejif-4913	226	69	processes	process	NOUN
ejif-4913	226	70	and	and	CCONJ
ejif-4913	226	71	strategies	strategy	NOUN
ejif-4913	226	72	focused	focus	VERB
ejif-4913	226	73	on	on	ADP
ejif-4913	226	74	digital	digital	ADJ
ejif-4913	226	75	;	;	PUNCT
ejif-4913	226	76	•	•	NUM
ejif-4913	226	77	cut	cut	NOUN
ejif-4913	226	78	costs	cost	NOUN
ejif-4913	226	79	,	,	PUNCT
ejif-4913	226	80	drive	drive	VERB
ejif-4913	226	81	efficiencies	efficiency	NOUN
ejif-4913	226	82	and	and	CCONJ
ejif-4913	226	83	redefine	redefine	VERB
ejif-4913	226	84	their	their	PRON
ejif-4913	226	85	value	value	NOUN
ejif-4913	226	86	to	to	ADP
ejif-4913	226	87	customers	customer	NOUN
ejif-4913	226	88	;	;	PUNCT
ejif-4913	226	89	•	•	X
ejif-4913	226	90	build	build	VERB
ejif-4913	226	91	a	a	DET
ejif-4913	226	92	competitive	competitive	ADJ
ejif-4913	226	93	advantage	advantage	NOUN
ejif-4913	226	94	by	by	ADP
ejif-4913	226	95	being	be	AUX
ejif-4913	226	96	reactive	reactive	ADJ
ejif-4913	226	97	and	and	CCONJ
ejif-4913	226	98	more	more	ADV
ejif-4913	226	99	responsive	responsive	ADJ
ejif-4913	226	100	to	to	ADP
ejif-4913	226	101	the	the	DET
ejif-4913	226	102	needs	need	NOUN
ejif-4913	226	103	and	and	CCONJ
ejif-4913	226	104	the	the	DET
ejif-4913	226	105	requirements	requirement	NOUN
ejif-4913	226	106	of	of	ADP
ejif-4913	226	107	their	their	PRON
ejif-4913	226	108	clients	client	NOUN
ejif-4913	226	109	;	;	PUNCT
ejif-4913	226	110	•	•	ADP
ejif-4913	226	111	revitalize	revitalize	VERB
ejif-4913	226	112	post	post	ADJ
ejif-4913	226	113	-	-	ADJ
ejif-4913	226	114	covid-19	covid-19	ADJ
ejif-4913	226	115	activity	activity	NOUN
ejif-4913	226	116	and	and	CCONJ
ejif-4913	226	117	overcome	overcome	VERB
ejif-4913	226	118	the	the	DET
ejif-4913	226	119	difficulties	difficulty	NOUN
ejif-4913	226	120	of	of	ADP
ejif-4913	226	121	the	the	DET
ejif-4913	226	122	period	period	NOUN
ejif-4913	226	123	.	.	PUNCT
ejif-4913	227	1	however	however	ADV
ejif-4913	227	2	,	,	PUNCT
ejif-4913	227	3	this	this	DET
ejif-4913	227	4	study	study	NOUN
ejif-4913	227	5	has	have	VERB
ejif-4913	227	6	its	its	PRON
ejif-4913	227	7	own	own	ADJ
ejif-4913	227	8	limitations	limitation	NOUN
ejif-4913	227	9	.	.	PUNCT
ejif-4913	228	1	as	as	ADP
ejif-4913	228	2	with	with	ADP
ejif-4913	228	3	any	any	DET
ejif-4913	228	4	survey	survey	NOUN
ejif-4913	228	5	,	,	PUNCT
ejif-4913	228	6	estimates	estimate	NOUN
ejif-4913	228	7	must	must	AUX
ejif-4913	228	8	be	be	AUX
ejif-4913	228	9	understood	understand	VERB
ejif-4913	228	10	within	within	ADP
ejif-4913	228	11	the	the	DET
ejif-4913	228	12	constraints	constraint	NOUN
ejif-4913	228	13	of	of	ADP
ejif-4913	228	14	the	the	DET
ejif-4913	228	15	survey	survey	NOUN
ejif-4913	228	16	instruments	instrument	NOUN
ejif-4913	228	17	,	,	PUNCT
ejif-4913	228	18	the	the	DET
ejif-4913	228	19	sampling	sample	VERB
ejif-4913	228	20	design	design	NOUN
ejif-4913	228	21	,	,	PUNCT
ejif-4913	228	22	the	the	DET
ejif-4913	228	23	main	main	ADJ
ejif-4913	228	24	limitation	limitation	NOUN
ejif-4913	228	25	lies	lie	VERB
ejif-4913	228	26	in	in	ADP
ejif-4913	228	27	the	the	DET
ejif-4913	228	28	small	small	ADJ
ejif-4913	228	29	size	size	NOUN
ejif-4913	228	30	of	of	ADP
ejif-4913	228	31	the	the	DET
ejif-4913	228	32	sample	sample	NOUN
ejif-4913	228	33	.	.	PUNCT
ejif-4913	229	1	it	it	PRON
ejif-4913	229	2	could	could	AUX
ejif-4913	229	3	constitute	constitute	VERB
ejif-4913	229	4	a	a	DET
ejif-4913	229	5	gap	gap	NOUN
ejif-4913	229	6	,	,	PUNCT
ejif-4913	229	7	in	in	ADP
ejif-4913	229	8	particular	particular	ADJ
ejif-4913	229	9	regarding	regard	VERB
ejif-4913	229	10	the	the	DET
ejif-4913	229	11	extrapolation	extrapolation	NOUN
ejif-4913	229	12	of	of	ADP
ejif-4913	229	13	our	our	PRON
ejif-4913	229	14	inferences	inference	NOUN
ejif-4913	229	15	on	on	ADP
ejif-4913	229	16	the	the	DET
ejif-4913	229	17	opinion	opinion	NOUN
ejif-4913	229	18	of	of	ADP
ejif-4913	229	19	moroccan	moroccan	ADJ
ejif-4913	229	20	population	population	NOUN
ejif-4913	229	21	about	about	ADP
ejif-4913	229	22	the	the	DET
ejif-4913	229	23	topic	topic	NOUN
ejif-4913	229	24	of	of	ADP
ejif-4913	229	25	the	the	DET
ejif-4913	229	26	study	study	NOUN
ejif-4913	229	27	.	.	PUNCT
ejif-4913	230	1	though	though	ADV
ejif-4913	230	2	,	,	PUNCT
ejif-4913	230	3	this	this	DET
ejif-4913	230	4	limit	limit	NOUN
ejif-4913	230	5	is	be	AUX
ejif-4913	230	6	due	due	ADJ
ejif-4913	230	7	to	to	ADP
ejif-4913	230	8	the	the	DET
ejif-4913	230	9	circumstances	circumstance	NOUN
ejif-4913	230	10	in	in	ADP
ejif-4913	230	11	which	which	PRON
ejif-4913	230	12	the	the	DET
ejif-4913	230	13	study	study	NOUN
ejif-4913	230	14	was	be	AUX
ejif-4913	230	15	conducted	conduct	VERB
ejif-4913	230	16	.	.	PUNCT
ejif-4913	231	1	in	in	ADP
ejif-4913	231	2	other	other	ADJ
ejif-4913	231	3	words	word	NOUN
ejif-4913	231	4	,	,	PUNCT
ejif-4913	231	5	due	due	ADP
ejif-4913	231	6	to	to	ADP
ejif-4913	231	7	movement	movement	NOUN
ejif-4913	231	8	restrictions	restriction	NOUN
ejif-4913	231	9	and	and	CCONJ
ejif-4913	231	10	the	the	DET
ejif-4913	231	11	resulting	result	VERB
ejif-4913	231	12	social	social	ADJ
ejif-4913	231	13	distancing	distancing	NOUN
ejif-4913	231	14	as	as	ADP
ejif-4913	231	15	measures	measure	NOUN
ejif-4913	231	16	to	to	PART
ejif-4913	231	17	flatten	flatten	VERB
ejif-4913	231	18	the	the	DET
ejif-4913	231	19	curve	curve	NOUN
ejif-4913	231	20	of	of	ADP
ejif-4913	231	21	the	the	DET
ejif-4913	231	22	spread	spread	NOUN
ejif-4913	231	23	of	of	ADP
ejif-4913	231	24	covid-19	covid-19	PROPN
ejif-4913	231	25	,	,	PUNCT
ejif-4913	231	26	the	the	DET
ejif-4913	231	27	only	only	ADJ
ejif-4913	231	28	way	way	NOUN
ejif-4913	231	29	to	to	PART
ejif-4913	231	30	distribute	distribute	VERB
ejif-4913	231	31	the	the	DET
ejif-4913	231	32	survey	survey	NOUN
ejif-4913	231	33	was	be	AUX
ejif-4913	231	34	through	through	ADP
ejif-4913	231	35	social	social	ADJ
ejif-4913	231	36	media	medium	NOUN
ejif-4913	231	37	and	and	CCONJ
ejif-4913	231	38	emails	email	NOUN
ejif-4913	231	39	.	.	PUNCT
ejif-4913	232	1	people	people	NOUN
ejif-4913	232	2	were	be	AUX
ejif-4913	232	3	disturbed	disturb	VERB
ejif-4913	232	4	by	by	ADP
ejif-4913	232	5	the	the	DET
ejif-4913	232	6	health	health	NOUN
ejif-4913	232	7	and	and	CCONJ
ejif-4913	232	8	economic	economic	ADJ
ejif-4913	232	9	consequences	consequence	NOUN
ejif-4913	232	10	of	of	ADP
ejif-4913	232	11	the	the	DET
ejif-4913	232	12	pandemic	pandemic	ADJ
ejif-4913	232	13	and	and	CCONJ
ejif-4913	232	14	few	few	ADJ
ejif-4913	232	15	of	of	ADP
ejif-4913	232	16	them	they	PRON
ejif-4913	232	17	bothered	bother	VERB
ejif-4913	232	18	to	to	PART
ejif-4913	232	19	respond	respond	VERB
ejif-4913	232	20	to	to	ADP
ejif-4913	232	21	the	the	DET
ejif-4913	232	22	survey	survey	NOUN
ejif-4913	232	23	.	.	PUNCT
ejif-4913	233	1	on	on	ADP
ejif-4913	233	2	the	the	DET
ejif-4913	233	3	other	other	ADJ
ejif-4913	233	4	hand	hand	NOUN
ejif-4913	233	5	,	,	PUNCT
ejif-4913	233	6	this	this	DET
ejif-4913	233	7	study	study	NOUN
ejif-4913	233	8	focused	focus	VERB
ejif-4913	233	9	on	on	ADP
ejif-4913	233	10	customers	customer	NOUN
ejif-4913	233	11	’	’	PART
ejif-4913	233	12	expectations	expectation	NOUN
ejif-4913	233	13	regarding	regard	VERB
ejif-4913	233	14	the	the	DET
ejif-4913	233	15	digitalization	digitalization	NOUN
ejif-4913	233	16	of	of	ADP
ejif-4913	233	17	participatory	participatory	ADJ
ejif-4913	233	18	ejif	ejif	PROPN
ejif-4913	233	19	–	–	PUNCT
ejif-4913	233	20	european	european	PROPN
ejif-4913	233	21	journal	journal	PROPN
ejif-4913	233	22	of	of	ADP
ejif-4913	233	23	islamic	islamic	PROPN
ejif-4913	233	24	finance	finance	PROPN
ejif-4913	233	25	islamic	islamic	PROPN
ejif-4913	233	26	finance	finance	NOUN
ejif-4913	233	27	role	role	NOUN
ejif-4913	233	28	in	in	ADP
ejif-4913	233	29	the	the	DET
ejif-4913	233	30	time	time	NOUN
ejif-4913	233	31	of	of	ADP
ejif-4913	233	32	covid-19	covid-19	PROPN
ejif-4913	233	33	pandemic	pandemic	NOUN
ejif-4913	233	34	,	,	PUNCT
ejif-4913	233	35	no	no	DET
ejif-4913	233	36	16	16	NUM
ejif-4913	233	37	,	,	PUNCT
ejif-4913	233	38	december	december	PROPN
ejif-4913	233	39	(	(	PUNCT
ejif-4913	233	40	2020	2020	NUM
ejif-4913	233	41	)	)	PUNCT
ejif-4913	234	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4913	234	2	issn	issn	VERB
ejif-4913	234	3	2421	2421	NUM
ejif-4913	234	4	-	-	SYM
ejif-4913	234	5	2172	2172	NUM
ejif-4913	234	6	doi	doi	NOUN
ejif-4913	234	7	:	:	PUNCT
ejif-4913	234	8	10.13135/2421	10.13135/2421	NUM
ejif-4913	234	9	-	-	SYM
ejif-4913	234	10	2172/4913	2172/4913	NUM
ejif-4913	234	11	9	9	NUM
ejif-4913	234	12	banking	banking	NOUN
ejif-4913	234	13	services	service	NOUN
ejif-4913	234	14	in	in	ADP
ejif-4913	234	15	morocco	morocco	PROPN
ejif-4913	234	16	.	.	PUNCT
ejif-4913	235	1	thus	thus	ADV
ejif-4913	235	2	,	,	PUNCT
ejif-4913	235	3	to	to	PART
ejif-4913	235	4	have	have	VERB
ejif-4913	235	5	a	a	DET
ejif-4913	235	6	global	global	ADJ
ejif-4913	235	7	vision	vision	NOUN
ejif-4913	235	8	of	of	ADP
ejif-4913	235	9	the	the	DET
ejif-4913	235	10	subject	subject	NOUN
ejif-4913	235	11	,	,	PUNCT
ejif-4913	235	12	it	it	PRON
ejif-4913	235	13	would	would	AUX
ejif-4913	235	14	be	be	AUX
ejif-4913	235	15	interesting	interesting	ADJ
ejif-4913	235	16	to	to	PART
ejif-4913	235	17	complete	complete	VERB
ejif-4913	235	18	the	the	DET
ejif-4913	235	19	study	study	NOUN
ejif-4913	235	20	by	by	ADP
ejif-4913	235	21	surveying	survey	VERB
ejif-4913	235	22	the	the	DET
ejif-4913	235	23	decision	decision	NOUN
ejif-4913	235	24	-	-	PUNCT
ejif-4913	235	25	makers	maker	NOUN
ejif-4913	235	26	of	of	ADP
ejif-4913	235	27	the	the	DET
ejif-4913	235	28	moroccan	moroccan	PROPN
ejif-4913	235	29	participatory	participatory	PROPN
ejif-4913	235	30	banking	banking	NOUN
ejif-4913	235	31	institutions	institution	NOUN
ejif-4913	235	32	regarding	regard	VERB
ejif-4913	235	33	their	their	PRON
ejif-4913	235	34	willingness	willingness	NOUN
ejif-4913	235	35	and	and	CCONJ
ejif-4913	235	36	intentions	intention	NOUN
ejif-4913	235	37	to	to	PART
ejif-4913	235	38	opt	opt	VERB
ejif-4913	235	39	for	for	ADP
ejif-4913	235	40	the	the	DET
ejif-4913	235	41	digitalization	digitalization	NOUN
ejif-4913	235	42	of	of	ADP
ejif-4913	235	43	their	their	PRON
ejif-4913	235	44	services	service	NOUN
ejif-4913	235	45	and	and	CCONJ
ejif-4913	235	46	then	then	ADV
ejif-4913	235	47	to	to	PART
ejif-4913	235	48	analyze	analyze	VERB
ejif-4913	235	49	their	their	PRON
ejif-4913	235	50	respective	respective	ADJ
ejif-4913	235	51	digital	digital	ADJ
ejif-4913	235	52	strategies	strategy	NOUN
ejif-4913	235	53	.	.	PUNCT
ejif-4913	236	1	v.	v.	ADP
ejif-4913	236	2	conclusion	conclusion	NOUN
ejif-4913	236	3	movement	movement	NOUN
ejif-4913	236	4	restrictions	restriction	NOUN
ejif-4913	236	5	and	and	CCONJ
ejif-4913	236	6	the	the	DET
ejif-4913	236	7	resulting	result	VERB
ejif-4913	236	8	social	social	ADJ
ejif-4913	236	9	distancing	distancing	NOUN
ejif-4913	236	10	as	as	ADP
ejif-4913	236	11	measures	measure	NOUN
ejif-4913	236	12	to	to	PART
ejif-4913	236	13	flatten	flatten	VERB
ejif-4913	236	14	the	the	DET
ejif-4913	236	15	curve	curve	NOUN
ejif-4913	236	16	of	of	ADP
ejif-4913	236	17	the	the	DET
ejif-4913	236	18	spread	spread	NOUN
ejif-4913	236	19	of	of	ADP
ejif-4913	236	20	covid-19have	covid-19have	NOUN
ejif-4913	236	21	accelerated	accelerate	VERB
ejif-4913	236	22	the	the	DET
ejif-4913	236	23	need	need	NOUN
ejif-4913	236	24	for	for	ADP
ejif-4913	236	25	digital	digital	ADJ
ejif-4913	236	26	transformation	transformation	NOUN
ejif-4913	236	27	of	of	ADP
ejif-4913	236	28	banking	banking	NOUN
ejif-4913	236	29	services	service	NOUN
ejif-4913	236	30	.	.	PUNCT
ejif-4913	237	1	the	the	DET
ejif-4913	237	2	analysis	analysis	NOUN
ejif-4913	237	3	of	of	ADP
ejif-4913	237	4	the	the	DET
ejif-4913	237	5	literature	literature	NOUN
ejif-4913	237	6	review	review	NOUN
ejif-4913	237	7	related	relate	VERB
ejif-4913	237	8	to	to	ADP
ejif-4913	237	9	the	the	DET
ejif-4913	237	10	switch	switch	NOUN
ejif-4913	237	11	from	from	ADP
ejif-4913	237	12	bm	bm	PROPN
ejif-4913	237	13	to	to	ADP
ejif-4913	237	14	e	e	PROPN
ejif-4913	237	15	-	-	PROPN
ejif-4913	237	16	bm	bm	PROPN
ejif-4913	237	17	and	and	CCONJ
ejif-4913	237	18	the	the	DET
ejif-4913	237	19	evolution	evolution	NOUN
ejif-4913	237	20	of	of	ADP
ejif-4913	237	21	digital	digital	ADJ
ejif-4913	237	22	banking	banking	NOUN
ejif-4913	237	23	,	,	PUNCT
ejif-4913	237	24	shows	show	VERB
ejif-4913	237	25	that	that	SCONJ
ejif-4913	237	26	rethinking	rethink	VERB
ejif-4913	237	27	bm	bm	PRON
ejif-4913	237	28	by	by	ADP
ejif-4913	237	29	implementing	implement	VERB
ejif-4913	237	30	new	new	ADJ
ejif-4913	237	31	digitalfocused	digitalfocuse	VERB
ejif-4913	237	32	tools	tool	NOUN
ejif-4913	237	33	,	,	PUNCT
ejif-4913	237	34	processes	process	NOUN
ejif-4913	237	35	and	and	CCONJ
ejif-4913	237	36	strategies	strategy	NOUN
ejif-4913	237	37	is	be	AUX
ejif-4913	237	38	no	no	ADV
ejif-4913	237	39	longer	long	ADV
ejif-4913	237	40	a	a	DET
ejif-4913	237	41	choice	choice	NOUN
ejif-4913	237	42	but	but	CCONJ
ejif-4913	237	43	a	a	DET
ejif-4913	237	44	necessity	necessity	NOUN
ejif-4913	237	45	for	for	ADP
ejif-4913	237	46	all	all	DET
ejif-4913	237	47	banks	bank	NOUN
ejif-4913	237	48	.	.	PUNCT
ejif-4913	238	1	this	this	PRON
ejif-4913	238	2	would	would	AUX
ejif-4913	238	3	not	not	PART
ejif-4913	238	4	only	only	ADV
ejif-4913	238	5	help	help	VERB
ejif-4913	238	6	them	they	PRON
ejif-4913	238	7	overcome	overcome	VERB
ejif-4913	238	8	the	the	DET
ejif-4913	238	9	challenges	challenge	NOUN
ejif-4913	238	10	of	of	ADP
ejif-4913	238	11	the	the	DET
ejif-4913	238	12	post	post	ADJ
ejif-4913	238	13	-	-	ADJ
ejif-4913	238	14	covid19	covid19	ADJ
ejif-4913	238	15	economic	economic	ADJ
ejif-4913	238	16	environment	environment	NOUN
ejif-4913	238	17	,	,	PUNCT
ejif-4913	238	18	but	but	CCONJ
ejif-4913	238	19	also	also	ADV
ejif-4913	238	20	help	help	VERB
ejif-4913	238	21	them	they	PRON
ejif-4913	238	22	to	to	PART
ejif-4913	238	23	even	even	ADV
ejif-4913	238	24	develop	develop	VERB
ejif-4913	238	25	their	their	PRON
ejif-4913	238	26	customer	customer	NOUN
ejif-4913	238	27	portfolio	portfolio	NOUN
ejif-4913	238	28	and	and	CCONJ
ejif-4913	238	29	improve	improve	VERB
ejif-4913	238	30	value	value	NOUN
ejif-4913	238	31	-	-	PUNCT
ejif-4913	238	32	added	add	VERB
ejif-4913	238	33	banking	banking	NOUN
ejif-4913	238	34	intermediation	intermediation	NOUN
ejif-4913	238	35	.	.	PUNCT
ejif-4913	239	1	the	the	DET
ejif-4913	239	2	current	current	ADJ
ejif-4913	239	3	environment	environment	NOUN
ejif-4913	239	4	is	be	AUX
ejif-4913	239	5	undoubtedly	undoubtedly	ADV
ejif-4913	239	6	challenging	challenging	ADJ
ejif-4913	239	7	for	for	ADP
ejif-4913	239	8	banks	bank	NOUN
ejif-4913	239	9	.	.	PUNCT
ejif-4913	240	1	the	the	DET
ejif-4913	240	2	behavioral	behavioral	ADJ
ejif-4913	240	3	and	and	CCONJ
ejif-4913	240	4	economic	economic	ADJ
ejif-4913	240	5	effect	effect	NOUN
ejif-4913	240	6	of	of	ADP
ejif-4913	240	7	the	the	DET
ejif-4913	240	8	coronavirus	coronavirus	NOUN
ejif-4913	240	9	crisis	crisis	NOUN
ejif-4913	240	10	is	be	AUX
ejif-4913	240	11	profound	profound	ADJ
ejif-4913	240	12	,	,	PUNCT
ejif-4913	240	13	and	and	CCONJ
ejif-4913	240	14	come	come	VERB
ejif-4913	240	15	on	on	ADP
ejif-4913	240	16	top	top	NOUN
ejif-4913	240	17	of	of	ADP
ejif-4913	240	18	lingering	linger	VERB
ejif-4913	240	19	financial	financial	ADJ
ejif-4913	240	20	,	,	PUNCT
ejif-4913	240	21	operational	operational	ADJ
ejif-4913	240	22	and	and	CCONJ
ejif-4913	240	23	consumer	consumer	NOUN
ejif-4913	240	24	pressures	pressure	NOUN
ejif-4913	240	25	.	.	PUNCT
ejif-4913	241	1	but	but	CCONJ
ejif-4913	241	2	,	,	PUNCT
ejif-4913	241	3	with	with	ADP
ejif-4913	241	4	the	the	DET
ejif-4913	241	5	right	right	ADJ
ejif-4913	241	6	strategy	strategy	NOUN
ejif-4913	241	7	,	,	PUNCT
ejif-4913	241	8	banks	bank	NOUN
ejif-4913	241	9	have	have	VERB
ejif-4913	241	10	a	a	DET
ejif-4913	241	11	unique	unique	ADJ
ejif-4913	241	12	opportunity	opportunity	NOUN
ejif-4913	241	13	to	to	PART
ejif-4913	241	14	succeed	succeed	VERB
ejif-4913	241	15	in	in	ADP
ejif-4913	241	16	the	the	DET
ejif-4913	241	17	long	long	ADJ
ejif-4913	241	18	term	term	NOUN
ejif-4913	241	19	.	.	PUNCT
ejif-4913	242	1	pursuing	pursue	VERB
ejif-4913	242	2	advanced	advanced	ADJ
ejif-4913	242	3	technology	technology	NOUN
ejif-4913	242	4	and	and	CCONJ
ejif-4913	242	5	digital	digital	ADJ
ejif-4913	242	6	ecosystems	ecosystem	NOUN
ejif-4913	242	7	will	will	AUX
ejif-4913	242	8	be	be	AUX
ejif-4913	242	9	key	key	ADJ
ejif-4913	242	10	to	to	ADP
ejif-4913	242	11	that	that	DET
ejif-4913	242	12	success	success	NOUN
ejif-4913	242	13	.	.	PUNCT
ejif-4913	243	1	with	with	ADP
ejif-4913	243	2	these	these	DET
ejif-4913	243	3	elements	element	NOUN
ejif-4913	243	4	in	in	ADP
ejif-4913	243	5	place	place	NOUN
ejif-4913	243	6	,	,	PUNCT
ejif-4913	243	7	banks	bank	NOUN
ejif-4913	243	8	will	will	AUX
ejif-4913	243	9	cut	cut	VERB
ejif-4913	243	10	costs	cost	NOUN
ejif-4913	243	11	and	and	CCONJ
ejif-4913	243	12	drive	drive	VERB
ejif-4913	243	13	efficiencies	efficiency	NOUN
ejif-4913	243	14	,	,	PUNCT
ejif-4913	243	15	helping	help	VERB
ejif-4913	243	16	them	they	PRON
ejif-4913	243	17	weather	weather	VERB
ejif-4913	243	18	the	the	DET
ejif-4913	243	19	coming	come	VERB
ejif-4913	243	20	storm	storm	NOUN
ejif-4913	243	21	and	and	CCONJ
ejif-4913	243	22	redefine	redefine	VERB
ejif-4913	243	23	their	their	PRON
ejif-4913	243	24	value	value	NOUN
ejif-4913	243	25	to	to	ADP
ejif-4913	243	26	customers	customer	NOUN
ejif-4913	243	27	in	in	ADP
ejif-4913	243	28	a	a	DET
ejif-4913	243	29	shifting	shift	VERB
ejif-4913	243	30	market	market	NOUN
ejif-4913	243	31	.	.	PUNCT
ejif-4913	244	1	as	as	ADP
ejif-4913	244	2	part	part	NOUN
ejif-4913	244	3	of	of	ADP
ejif-4913	244	4	the	the	DET
ejif-4913	244	5	search	search	NOUN
ejif-4913	244	6	for	for	ADP
ejif-4913	244	7	solutions	solution	NOUN
ejif-4913	244	8	that	that	PRON
ejif-4913	244	9	could	could	AUX
ejif-4913	244	10	help	help	VERB
ejif-4913	244	11	moroccan	moroccan	PROPN
ejif-4913	244	12	participatory	participatory	ADJ
ejif-4913	244	13	banking	banking	NOUN
ejif-4913	244	14	institutions	institution	NOUN
ejif-4913	244	15	to	to	PART
ejif-4913	244	16	revitalize	revitalize	VERB
ejif-4913	244	17	post	post	ADJ
ejif-4913	244	18	-	-	ADJ
ejif-4913	244	19	covid-19	covid-19	ADJ
ejif-4913	244	20	activity	activity	NOUN
ejif-4913	244	21	and	and	CCONJ
ejif-4913	244	22	overcome	overcome	VERB
ejif-4913	244	23	the	the	DET
ejif-4913	244	24	difficulties	difficulty	NOUN
ejif-4913	244	25	of	of	ADP
ejif-4913	244	26	the	the	DET
ejif-4913	244	27	period	period	NOUN
ejif-4913	244	28	,	,	PUNCT
ejif-4913	244	29	our	our	PRON
ejif-4913	244	30	article	article	NOUN
ejif-4913	244	31	focused	focus	VERB
ejif-4913	244	32	,	,	PUNCT
ejif-4913	244	33	for	for	ADP
ejif-4913	244	34	the	the	DET
ejif-4913	244	35	first	first	ADJ
ejif-4913	244	36	time	time	NOUN
ejif-4913	244	37	in	in	ADP
ejif-4913	244	38	morocco	morocco	PROPN
ejif-4913	244	39	,	,	PUNCT
ejif-4913	244	40	on	on	ADP
ejif-4913	244	41	the	the	DET
ejif-4913	244	42	digital	digital	ADJ
ejif-4913	244	43	transformation	transformation	NOUN
ejif-4913	244	44	of	of	ADP
ejif-4913	244	45	participatory	participatory	ADJ
ejif-4913	244	46	banking	banking	NOUN
ejif-4913	244	47	services	service	NOUN
ejif-4913	244	48	.	.	PUNCT
ejif-4913	245	1	to	to	PART
ejif-4913	245	2	gather	gather	VERB
ejif-4913	245	3	customers	customer	NOUN
ejif-4913	245	4	perceptions	perception	NOUN
ejif-4913	245	5	on	on	ADP
ejif-4913	245	6	the	the	DET
ejif-4913	245	7	eventual	eventual	ADJ
ejif-4913	245	8	switch	switch	NOUN
ejif-4913	245	9	to	to	ADP
ejif-4913	245	10	a	a	DET
ejif-4913	245	11	digital	digital	ADJ
ejif-4913	245	12	participatory	participatory	PROPN
ejif-4913	245	13	bank	bank	PROPN
ejif-4913	245	14	and	and	CCONJ
ejif-4913	245	15	window	window	NOUN
ejif-4913	245	16	,	,	PUNCT
ejif-4913	245	17	we	we	PRON
ejif-4913	245	18	conducted	conduct	VERB
ejif-4913	245	19	a	a	DET
ejif-4913	245	20	survey	survey	NOUN
ejif-4913	245	21	among	among	ADP
ejif-4913	245	22	the	the	DET
ejif-4913	245	23	moroccan	moroccan	ADJ
ejif-4913	245	24	population	population	NOUN
ejif-4913	245	25	.	.	PUNCT
ejif-4913	246	1	more	more	ADJ
ejif-4913	246	2	than	than	ADP
ejif-4913	246	3	half	half	NOUN
ejif-4913	246	4	(	(	PUNCT
ejif-4913	246	5	59	59	NUM
ejif-4913	246	6	%	%	NOUN
ejif-4913	246	7	)	)	PUNCT
ejif-4913	246	8	of	of	ADP
ejif-4913	246	9	survey	survey	NOUN
ejif-4913	246	10	respondents	respondent	NOUN
ejif-4913	246	11	are	be	AUX
ejif-4913	246	12	young	young	ADJ
ejif-4913	246	13	,	,	PUNCT
ejif-4913	246	14	with	with	ADP
ejif-4913	246	15	an	an	DET
ejif-4913	246	16	average	average	ADJ
ejif-4913	246	17	age	age	NOUN
ejif-4913	246	18	of	of	ADP
ejif-4913	246	19	24	24	NUM
ejif-4913	246	20	years	year	NOUN
ejif-4913	246	21	.	.	PUNCT
ejif-4913	247	1	similarly	similarly	ADV
ejif-4913	247	2	,	,	PUNCT
ejif-4913	247	3	the	the	DET
ejif-4913	247	4	survey	survey	NOUN
ejif-4913	247	5	results	result	NOUN
ejif-4913	247	6	showed	show	VERB
ejif-4913	247	7	that	that	SCONJ
ejif-4913	247	8	81	81	NUM
ejif-4913	247	9	%	%	NOUN
ejif-4913	247	10	of	of	ADP
ejif-4913	247	11	respondents	respondent	NOUN
ejif-4913	247	12	prefer	prefer	VERB
ejif-4913	247	13	remote	remote	ADJ
ejif-4913	247	14	banking	banking	NOUN
ejif-4913	247	15	via	via	ADP
ejif-4913	247	16	websites	website	NOUN
ejif-4913	247	17	(	(	PUNCT
ejif-4913	247	18	29	29	NUM
ejif-4913	247	19	%	%	NOUN
ejif-4913	247	20	)	)	PUNCT
ejif-4913	247	21	and	and	CCONJ
ejif-4913	247	22	mobile	mobile	ADJ
ejif-4913	247	23	applications	application	NOUN
ejif-4913	247	24	(	(	PUNCT
ejif-4913	247	25	52	52	NUM
ejif-4913	247	26	%	%	NOUN
ejif-4913	247	27	)	)	PUNCT
ejif-4913	247	28	.	.	PUNCT
ejif-4913	248	1	furthermore	furthermore	ADV
ejif-4913	248	2	,	,	PUNCT
ejif-4913	248	3	a	a	DET
ejif-4913	248	4	large	large	ADJ
ejif-4913	248	5	part	part	NOUN
ejif-4913	248	6	of	of	ADP
ejif-4913	248	7	the	the	DET
ejif-4913	248	8	respondents	respondent	NOUN
ejif-4913	248	9	(	(	PUNCT
ejif-4913	248	10	86	86	NUM
ejif-4913	248	11	%	%	NOUN
ejif-4913	248	12	)	)	PUNCT
ejif-4913	248	13	confirmed	confirm	VERB
ejif-4913	248	14	that	that	SCONJ
ejif-4913	248	15	digital	digital	ADJ
ejif-4913	248	16	banking	banking	NOUN
ejif-4913	248	17	services	service	NOUN
ejif-4913	248	18	are	be	AUX
ejif-4913	248	19	useful	useful	ADJ
ejif-4913	248	20	in	in	ADP
ejif-4913	248	21	times	time	NOUN
ejif-4913	248	22	of	of	ADP
ejif-4913	248	23	crisis	crisis	NOUN
ejif-4913	248	24	as	as	ADV
ejif-4913	248	25	well	well	ADV
ejif-4913	248	26	as	as	ADP
ejif-4913	248	27	in	in	ADP
ejif-4913	248	28	normal	normal	ADJ
ejif-4913	248	29	times	time	NOUN
ejif-4913	248	30	.	.	PUNCT
ejif-4913	249	1	moreover	moreover	ADV
ejif-4913	249	2	,	,	PUNCT
ejif-4913	249	3	although	although	SCONJ
ejif-4913	249	4	more	more	ADJ
ejif-4913	249	5	than	than	ADP
ejif-4913	249	6	80	80	NUM
ejif-4913	249	7	%	%	NOUN
ejif-4913	249	8	of	of	ADP
ejif-4913	249	9	the	the	DET
ejif-4913	249	10	respondents	respondent	NOUN
ejif-4913	249	11	are	be	AUX
ejif-4913	249	12	not	not	PART
ejif-4913	249	13	clients	client	NOUN
ejif-4913	249	14	of	of	ADP
ejif-4913	249	15	a	a	DET
ejif-4913	249	16	participatory	participatory	ADJ
ejif-4913	249	17	bank	bank	NOUN
ejif-4913	249	18	or	or	CCONJ
ejif-4913	249	19	window,61	window,61	VERB
ejif-4913	249	20	%	%	NOUN
ejif-4913	249	21	of	of	ADP
ejif-4913	249	22	them	they	PRON
ejif-4913	249	23	believe	believe	VERB
ejif-4913	249	24	that	that	SCONJ
ejif-4913	249	25	the	the	DET
ejif-4913	249	26	digitalization	digitalization	NOUN
ejif-4913	249	27	will	will	AUX
ejif-4913	249	28	improve	improve	VERB
ejif-4913	249	29	their	their	PRON
ejif-4913	249	30	relationship	relationship	NOUN
ejif-4913	249	31	with	with	ADP
ejif-4913	249	32	this	this	DET
ejif-4913	249	33	new	new	ADJ
ejif-4913	249	34	industry	industry	NOUN
ejif-4913	249	35	thus	thus	ADV
ejif-4913	249	36	,	,	PUNCT
ejif-4913	249	37	despite	despite	SCONJ
ejif-4913	249	38	the	the	DET
ejif-4913	249	39	difficulties	difficulty	NOUN
ejif-4913	249	40	of	of	ADP
ejif-4913	249	41	the	the	DET
ejif-4913	249	42	period	period	NOUN
ejif-4913	249	43	,	,	PUNCT
ejif-4913	249	44	this	this	DET
ejif-4913	249	45	crisis	crisis	NOUN
ejif-4913	249	46	could	could	AUX
ejif-4913	249	47	be	be	AUX
ejif-4913	249	48	a	a	DET
ejif-4913	249	49	real	real	ADJ
ejif-4913	249	50	opportunity	opportunity	NOUN
ejif-4913	249	51	for	for	SCONJ
ejif-4913	249	52	participatory	participatory	ADJ
ejif-4913	249	53	banking	banking	NOUN
ejif-4913	249	54	institutions	institution	NOUN
ejif-4913	249	55	in	in	ADP
ejif-4913	249	56	morocco	morocco	PROPN
ejif-4913	249	57	to	to	PART
ejif-4913	249	58	reshape	reshape	VERB
ejif-4913	249	59	their	their	PRON
ejif-4913	249	60	bm	bm	NOUN
ejif-4913	249	61	and	and	CCONJ
ejif-4913	249	62	move	move	VERB
ejif-4913	249	63	towards	towards	ADP
ejif-4913	249	64	e	e	NOUN
ejif-4913	249	65	-	-	NOUN
ejif-4913	249	66	bm	bm	VERB
ejif-4913	249	67	to	to	PART
ejif-4913	249	68	take	take	VERB
ejif-4913	249	69	advantage	advantage	NOUN
ejif-4913	249	70	of	of	ADP
ejif-4913	249	71	the	the	DET
ejif-4913	249	72	competitive	competitive	ADJ
ejif-4913	249	73	advantages	advantage	NOUN
ejif-4913	249	74	of	of	ADP
ejif-4913	249	75	digitalization	digitalization	NOUN
ejif-4913	249	76	and	and	CCONJ
ejif-4913	249	77	successfully	successfully	ADV
ejif-4913	249	78	overcome	overcome	VERB
ejif-4913	249	79	the	the	DET
ejif-4913	249	80	repercussions	repercussion	NOUN
ejif-4913	249	81	of	of	ADP
ejif-4913	249	82	post	post	NOUN
ejif-4913	249	83	-	-	ADJ
ejif-4913	249	84	covid-9	covid-9	PROPN
ejif-4913	249	85	.	.	PUNCT
ejif-4913	250	1	out	out	ADP
ejif-4913	250	2	of	of	ADP
ejif-4913	250	3	every	every	DET
ejif-4913	250	4	crisis	crisis	NOUN
ejif-4913	250	5	comes	come	VERB
ejif-4913	250	6	an	an	DET
ejif-4913	250	7	opportunity	opportunity	NOUN
ejif-4913	250	8	,	,	PUNCT
ejif-4913	250	9	and	and	CCONJ
ejif-4913	250	10	this	this	PRON
ejif-4913	250	11	is	be	AUX
ejif-4913	250	12	one	one	NUM
ejif-4913	250	13	that	that	PRON
ejif-4913	250	14	could	could	AUX
ejif-4913	250	15	change	change	VERB
ejif-4913	250	16	the	the	DET
ejif-4913	250	17	future	future	NOUN
ejif-4913	250	18	of	of	ADP
ejif-4913	250	19	the	the	DET
ejif-4913	250	20	participatory	participatory	ADJ
ejif-4913	250	21	banking	banking	NOUN
ejif-4913	250	22	industry	industry	NOUN
ejif-4913	250	23	in	in	ADP
ejif-4913	250	24	morocco	morocco	PROPN
ejif-4913	250	25	.	.	PUNCT
ejif-4913	251	1	references	reference	NOUN
ejif-4913	251	2	[	[	X
ejif-4913	251	3	1	1	NUM
ejif-4913	251	4	]	]	X
ejif-4913	251	5	imf	imf	PROPN
ejif-4913	251	6	,	,	PUNCT
ejif-4913	251	7	―the	―the	DET
ejif-4913	251	8	imf	imf	PROPN
ejif-4913	251	9	says	say	VERB
ejif-4913	251	10	its	its	PRON
ejif-4913	251	11	forecast	forecast	NOUN
ejif-4913	251	12	for	for	ADP
ejif-4913	251	13	the	the	DET
ejif-4913	251	14	covid-19	covid-19	PROPN
ejif-4913	251	15	recession	recession	NOUN
ejif-4913	251	16	might	might	AUX
ejif-4913	251	17	now	now	ADV
ejif-4913	251	18	be	be	AUX
ejif-4913	251	19	too	too	ADV
ejif-4913	251	20	optimistic,‖[online].available	optimistic,‖[online].available	ADJ
ejif-4913	251	21	:	:	PUNCT
ejif-4913	251	22	https://www.weforum.org/agenda/2020/04/imf-economy-coronaviruscovid-19-recession/	https://www.weforum.org/agenda/2020/04/imf-economy-coronaviruscovid-19-recession/	PRON
ejif-4913	252	1	[	[	X
ejif-4913	252	2	accessed	access	VERB
ejif-4913	252	3	:	:	PUNCT
ejif-4913	252	4	10	10	NUM
ejif-4913	252	5	-	-	NOUN
ejif-4913	252	6	may-2020	may-2020	NOUN
ejif-4913	252	7	]	]	PUNCT
ejif-4913	252	8	.	.	PUNCT
ejif-4913	253	1	[	[	X
ejif-4913	253	2	2	2	NUM
ejif-4913	253	3	]	]	PUNCT
ejif-4913	253	4	ifsb	ifsb	NOUN
ejif-4913	253	5	,	,	PUNCT
ejif-4913	253	6	―regulatory	―regulatory	ADJ
ejif-4913	253	7	measures	measure	NOUN
ejif-4913	253	8	to	to	PART
ejif-4913	253	9	mitigate	mitigate	VERB
ejif-4913	253	10	the	the	DET
ejif-4913	253	11	impact	impact	NOUN
ejif-4913	253	12	of	of	ADP
ejif-4913	253	13	covid-19	covid-19	PROPN
ejif-4913	253	14	for	for	ADP
ejif-4913	253	15	institutions	institution	NOUN
ejif-4913	253	16	offering	offer	VERB
ejif-4913	253	17	islamic	islamic	ADJ
ejif-4913	253	18	financial	financial	ADJ
ejif-4913	253	19	services	service	NOUN
ejif-4913	253	20	(	(	PUNCT
ejif-4913	253	21	iifs),‖	iifs),‖	X
ejif-4913	254	1	[	[	X
ejif-4913	254	2	online	online	X
ejif-4913	254	3	]	]	X
ejif-4913	254	4	.	.	PUNCT
ejif-4913	255	1	available	available	ADJ
ejif-4913	255	2	:	:	PUNCT
ejif-4913	255	3	https://www.ifsb.org/preess_full.php?id=530&submit=more[accessed	https://www.ifsb.org/preess_full.php?id=530&submit=more[accessed	NUM
ejif-4913	255	4	:	:	PUNCT
ejif-4913	255	5	10	10	NUM
ejif-4913	255	6	-	-	NOUN
ejif-4913	255	7	may-2020	may-2020	NOUN
ejif-4913	255	8	]	]	PUNCT
ejif-4913	255	9	.	.	PUNCT
ejif-4913	256	1	[	[	X
ejif-4913	256	2	3	3	X
ejif-4913	256	3	]	]	X
ejif-4913	256	4	o.	o.	NOUN
ejif-4913	256	5	amrani	amrani	PROPN
ejif-4913	256	6	and	and	CCONJ
ejif-4913	256	7	a.	a.	PROPN
ejif-4913	256	8	najab	najab	PROPN
ejif-4913	256	9	,	,	PUNCT
ejif-4913	256	10	―morocco	―morocco	PROPN
ejif-4913	256	11	’s	’s	PART
ejif-4913	256	12	participatory	participatory	ADJ
ejif-4913	256	13	banking	banking	NOUN
ejif-4913	256	14	sector	sector	NOUN
ejif-4913	256	15	:	:	PUNCT
ejif-4913	256	16	a	a	DET
ejif-4913	256	17	cross	cross	NOUN
ejif-4913	256	18	-	-	NOUN
ejif-4913	256	19	analysis	analysis	NOUN
ejif-4913	256	20	of	of	ADP
ejif-4913	256	21	current	current	ADJ
ejif-4913	256	22	state	state	NOUN
ejif-4913	256	23	,	,	PUNCT
ejif-4913	256	24	opportunities	opportunity	NOUN
ejif-4913	256	25	and	and	CCONJ
ejif-4913	256	26	challenges	challenge	NOUN
ejif-4913	256	27	of	of	ADP
ejif-4913	256	28	its	its	PRON
ejif-4913	256	29	five	five	NUM
ejif-4913	256	30	banks	bank	NOUN
ejif-4913	256	31	and	and	CCONJ
ejif-4913	256	32	three	three	NUM
ejif-4913	256	33	windows,‖	windows,‖	PROPN
ejif-4913	256	34	international	international	ADJ
ejif-4913	256	35	journal	journal	PROPN
ejif-4913	256	36	of	of	ADP
ejif-4913	256	37	islamic	islamic	PROPN
ejif-4913	256	38	business	business	PROPN
ejif-4913	256	39	&	&	CCONJ
ejif-4913	256	40	management	management	PROPN
ejif-4913	256	41	,	,	PUNCT
ejif-4913	256	42	vol	vol	NOUN
ejif-4913	256	43	.	.	PROPN
ejif-4913	256	44	4	4	NUM
ejif-4913	256	45	(	(	PUNCT
ejif-4913	256	46	2	2	NUM
ejif-4913	256	47	)	)	PUNCT
ejif-4913	256	48	,	,	PUNCT
ejif-4913	256	49	pp	pp	PROPN
ejif-4913	256	50	.	.	PUNCT
ejif-4913	257	1	8	8	NUM
ejif-4913	257	2	-	-	SYM
ejif-4913	257	3	19	19	NUM
ejif-4913	257	4	,	,	PUNCT
ejif-4913	257	5	2020	2020	NUM
ejif-4913	257	6	.	.	PUNCT
ejif-4913	258	1	[	[	X
ejif-4913	258	2	4	4	X
ejif-4913	258	3	]	]	PUNCT
ejif-4913	258	4	who	who	PRON
ejif-4913	258	5	,	,	PUNCT
ejif-4913	258	6	―itu	―itu	PROPN
ejif-4913	258	7	-	-	PUNCT
ejif-4913	258	8	who	who	PRON
ejif-4913	258	9	joint	joint	ADJ
ejif-4913	258	10	statement	statement	NOUN
ejif-4913	258	11	:	:	PUNCT
ejif-4913	258	12	unleashing	unleash	VERB
ejif-4913	258	13	information	information	NOUN
ejif-4913	258	14	technology	technology	NOUN
ejif-4913	258	15	to	to	PART
ejif-4913	258	16	defeat	defeat	VERB
ejif-4913	258	17	covid-19,‖	covid-19,‖	PROPN
ejif-4913	258	18	[	[	X
ejif-4913	258	19	online	online	X
ejif-4913	258	20	]	]	X
ejif-4913	258	21	.	.	PUNCT
ejif-4913	259	1	available	available	ADJ
ejif-4913	259	2	:	:	PUNCT
ejif-4913	259	3	https://www.who.int	https://www.who.int	NOUN
ejif-4913	259	4	/	/	SYM
ejif-4913	259	5	newsroom	newsroom	NOUN
ejif-4913	259	6	/	/	SYM
ejif-4913	259	7	detail/20	detail/20	VERB
ejif-4913	259	8	-	-	PUNCT
ejif-4913	259	9	04	04	NUM
ejif-4913	259	10	-	-	PUNCT
ejif-4913	259	11	2020	2020	NUM
ejif-4913	259	12	-	-	PUNCT
ejif-4913	259	13	itu	itu	PROPN
ejif-4913	259	14	-	-	PUNCT
ejif-4913	259	15	who	who	PRON
ejif-4913	259	16	-	-	PUNCT
ejif-4913	259	17	joint	joint	ADJ
ejif-4913	259	18	-	-	PUNCT
ejif-4913	259	19	statement	statement	NOUN
ejif-4913	259	20	-	-	PUNCT
ejif-4913	259	21	unleashinginformation	unleashinginformation	NOUN
ejif-4913	259	22	-	-	PUNCT
ejif-4913	259	23	technology	technology	NOUN
ejif-4913	259	24	-	-	PUNCT
ejif-4913	259	25	to	to	ADP
ejif-4913	259	26	-	-	PUNCT
ejif-4913	259	27	defeat	defeat	NOUN
ejif-4913	259	28	-	-	PUNCT
ejif-4913	259	29	covid-19[accessed	covid-19[accesse	VERB
ejif-4913	259	30	:	:	PUNCT
ejif-4913	259	31	30	30	NUM
ejif-4913	259	32	-	-	PUNCT
ejif-4913	259	33	june-2020	june-2020	NOUN
ejif-4913	259	34	]	]	PUNCT
ejif-4913	259	35	.	.	PUNCT
ejif-4913	260	1	[	[	X
ejif-4913	260	2	5	5	NUM
ejif-4913	260	3	]	]	PUNCT
ejif-4913	260	4	r.	r.	PROPN
ejif-4913	260	5	desmarteau	desmarteau	PROPN
ejif-4913	260	6	and	and	CCONJ
ejif-4913	260	7	a.	a.	PROPN
ejif-4913	260	8	l.	l.	PROPN
ejif-4913	260	9	saives	saives	PROPN
ejif-4913	260	10	,	,	PUNCT
ejif-4913	260	11	―opérationnaliser	―opérationnaliser	PROPN
ejif-4913	260	12	une	une	PROPN
ejif-4913	260	13	définition	définition	PROPN
ejif-4913	260	14	systémique	systémique	PROPN
ejif-4913	260	15	et	et	PROPN
ejif-4913	260	16	dynamique	dynamique	PROPN
ejif-4913	260	17	du	du	PROPN
ejif-4913	260	18	concept	concept	PROPN
ejif-4913	260	19	de	de	PROPN
ejif-4913	260	20	modèle	modèle	PROPN
ejif-4913	260	21	d’affaires	d’affaires	PROPN
ejif-4913	260	22	:	:	PUNCT
ejif-4913	260	23	cas	cas	PROPN
ejif-4913	260	24	des	des	X
ejif-4913	260	25	entreprises	entreprises	X
ejif-4913	260	26	de	de	X
ejif-4913	260	27	biotechnologie	biotechnologie	PROPN
ejif-4913	260	28	au	au	PROPN
ejif-4913	260	29	québec,‖	québec,‖	PROPN
ejif-4913	260	30	actes	actes	X
ejif-4913	260	31	de	de	X
ejif-4913	260	32	la	la	PROPN
ejif-4913	260	33	xviie	xviie	PROPN
ejif-4913	260	34	conférence	conférence	PROPN
ejif-4913	260	35	internationale	internationale	PROPN
ejif-4913	260	36	de	de	PROPN
ejif-4913	260	37	l’aims	l’aims	PROPN
ejif-4913	260	38	,	,	PUNCT
ejif-4913	260	39	nice	nice	ADJ
ejif-4913	260	40	,	,	PUNCT
ejif-4913	260	41	france	france	PROPN
ejif-4913	260	42	,	,	PUNCT
ejif-4913	260	43	(	(	PUNCT
ejif-4913	260	44	may	may	PROPN
ejif-4913	260	45	)	)	PUNCT
ejif-4913	260	46	,	,	PUNCT
ejif-4913	260	47	pp	pp	PROPN
ejif-4913	260	48	.	.	PUNCT
ejif-4913	261	1	28	28	NUM
ejif-4913	261	2	-	-	SYM
ejif-4913	261	3	31	31	NUM
ejif-4913	261	4	,	,	PUNCT
ejif-4913	261	5	2008	2008	NUM
ejif-4913	261	6	.	.	PUNCT
ejif-4913	262	1	[	[	X
ejif-4913	262	2	6	6	NUM
ejif-4913	262	3	]	]	PUNCT
ejif-4913	262	4	t.	t.	NOUN
ejif-4913	262	5	verstraete	verstraete	NOUN
ejif-4913	262	6	,	,	PUNCT
ejif-4913	262	7	f.	f.	PROPN
ejif-4913	262	8	krémer	krémer	PROPN
ejif-4913	262	9	,	,	PUNCT
ejif-4913	262	10	and	and	CCONJ
ejif-4913	262	11	e.	e.	PROPN
ejif-4913	262	12	j.	j.	PROPN
ejif-4913	262	13	laffitte	laffitte	PROPN
ejif-4913	262	14	,	,	PUNCT
ejif-4913	262	15	―le	―le	ADJ
ejif-4913	262	16	business	business	NOUN
ejif-4913	262	17	model	model	NOUN
ejif-4913	262	18	 	 	SPACE
ejif-4913	262	19	:	:	PUNCT
ejif-4913	262	20	une	une	PROPN
ejif-4913	262	21	théorie	théorie	PROPN
ejif-4913	262	22	pour	pour	PROPN
ejif-4913	262	23	des	des	PROPN
ejif-4913	262	24	pratiques,‖	pratiques,‖	PROPN
ejif-4913	262	25	entreprendre	entreprendre	NOUN
ejif-4913	262	26	innover	innover	ADV
ejif-4913	262	27	,	,	PUNCT
ejif-4913	262	28	vol	vol	NOUN
ejif-4913	262	29	.	.	PROPN
ejif-4913	262	30	13	13	NUM
ejif-4913	262	31	(	(	PUNCT
ejif-4913	262	32	1	1	NUM
ejif-4913	262	33	)	)	PUNCT
ejif-4913	262	34	,	,	PUNCT
ejif-4913	262	35	pp	pp	ADP
ejif-4913	262	36	.	.	PUNCT
ejif-4913	263	1	7	7	NUM
ejif-4913	263	2	-	-	SYM
ejif-4913	263	3	26	26	NUM
ejif-4913	263	4	,	,	PUNCT
ejif-4913	263	5	2012	2012	NUM
ejif-4913	263	6	.	.	PUNCT
ejif-4913	264	1	[	[	X
ejif-4913	264	2	7	7	X
ejif-4913	264	3	]	]	X
ejif-4913	264	4	d.	d.	PROPN
ejif-4913	264	5	e.	e.	PROPN
ejif-4913	264	6	fielt	fielt	PROPN
ejif-4913	264	7	,	,	PUNCT
ejif-4913	264	8	―conceptualising	―conceptualise	VERB
ejif-4913	264	9	business	business	NOUN
ejif-4913	264	10	models	model	NOUN
ejif-4913	264	11	 	 	SPACE
ejif-4913	264	12	:	:	PUNCT
ejif-4913	264	13	definitions	definition	NOUN
ejif-4913	264	14	,	,	PUNCT
ejif-4913	264	15	frameworks	framework	NOUN
ejif-4913	264	16	and	and	CCONJ
ejif-4913	264	17	classifications,‖	classifications,‖	PROPN
ejif-4913	264	18	journal	journal	NOUN
ejif-4913	264	19	of	of	ADP
ejif-4913	264	20	business	business	NOUN
ejif-4913	264	21	models	model	NOUN
ejif-4913	264	22	,	,	PUNCT
ejif-4913	264	23	vol.1(21	vol.1(21	NOUN
ejif-4913	264	24	)	)	PUNCT
ejif-4913	264	25	,	,	PUNCT
ejif-4913	264	26	2013	2013	NUM
ejif-4913	264	27	.	.	PUNCT
ejif-4913	265	1	[	[	X
ejif-4913	265	2	8	8	X
ejif-4913	265	3	]	]	X
ejif-4913	265	4	j.	j.	PROPN
ejif-4913	265	5	arlotto	arlotto	PROPN
ejif-4913	265	6	,	,	PUNCT
ejif-4913	265	7	j.m	j.m	PROPN
ejif-4913	265	8	.	.	PROPN
ejif-4913	265	9	sahut	sahut	NOUN
ejif-4913	265	10	,	,	PUNCT
ejif-4913	265	11	and	and	CCONJ
ejif-4913	265	12	f.	f.	PROPN
ejif-4913	265	13	teulon	teulon	PROPN
ejif-4913	265	14	,	,	PUNCT
ejif-4913	265	15	―le	―le	ADJ
ejif-4913	265	16	concept	concept	NOUN
ejif-4913	265	17	de	de	ADP
ejif-4913	265	18	business	business	NOUN
ejif-4913	265	19	model	model	NOUN
ejif-4913	265	20	au	au	ADP
ejif-4913	265	21	travers	travers	X
ejif-4913	265	22	de	de	X
ejif-4913	265	23	la	la	X
ejif-4913	265	24	littérature	littérature	NOUN
ejif-4913	265	25	,	,	PUNCT
ejif-4913	265	26	‖	‖	PROPN
ejif-4913	265	27	gestion	gestion	PROPN
ejif-4913	265	28	2000	2000	NUM
ejif-4913	265	29	,	,	PUNCT
ejif-4913	265	30	vol	vol	NOUN
ejif-4913	265	31	.	.	PROPN
ejif-4913	265	32	28	28	NUM
ejif-4913	265	33	(	(	PUNCT
ejif-4913	265	34	4	4	NUM
ejif-4913	265	35	)	)	PUNCT
ejif-4913	265	36	,	,	PUNCT
ejif-4913	265	37	pp33	pp33	PROPN
ejif-4913	265	38	-	-	PUNCT
ejif-4913	265	39	47	47	NUM
ejif-4913	265	40	,	,	PUNCT
ejif-4913	265	41	2011	2011	NUM
ejif-4913	265	42	.	.	PUNCT
ejif-4913	266	1	[	[	X
ejif-4913	266	2	9	9	NUM
ejif-4913	266	3	]	]	X
ejif-4913	266	4	t.	t.	NOUN
ejif-4913	266	5	loilier	loili	ADJ
ejif-4913	266	6	and	and	CCONJ
ejif-4913	266	7	a.	a.	NOUN
ejif-4913	266	8	tellier	tellier	PROPN
ejif-4913	266	9	,	,	PUNCT
ejif-4913	266	10	―que	―que	PROPN
ejif-4913	266	11	faire	faire	X
ejif-4913	266	12	du	du	PROPN
ejif-4913	266	13	modèle	modèle	PROPN
ejif-4913	266	14	de	de	PROPN
ejif-4913	266	15	l’innovation	l’innovation	PROPN
ejif-4913	266	16	ouverte	ouverte	NOUN
ejif-4913	266	17	 	 	SPACE
ejif-4913	266	18	?	?	PUNCT
ejif-4913	266	19	,	,	PUNCT
ejif-4913	266	20	‖	‖	PROPN
ejif-4913	266	21	revue	revue	PROPN
ejif-4913	266	22	française	française	PROPN
ejif-4913	266	23	de	de	X
ejif-4913	266	24	gestion	gestion	PROPN
ejif-4913	266	25	,	,	PUNCT
ejif-4913	266	26	vol	vol	NOUN
ejif-4913	266	27	.	.	PROPN
ejif-4913	266	28	210(1	210(1	NUM
ejif-4913	266	29	)	)	PUNCT
ejif-4913	266	30	,	,	PUNCT
ejif-4913	266	31	pp	pp	ADP
ejif-4913	266	32	.	.	PUNCT
ejif-4913	267	1	69	69	NUM
ejif-4913	267	2	85	85	NUM
ejif-4913	267	3	,	,	PUNCT
ejif-4913	267	4	2011	2011	NUM
ejif-4913	267	5	.	.	PUNCT
ejif-4913	268	1	[	[	X
ejif-4913	268	2	10	10	NUM
ejif-4913	268	3	]	]	X
ejif-4913	268	4	p.	p.	NOUN
ejif-4913	268	5	weill	weill	PROPN
ejif-4913	268	6	and	and	CCONJ
ejif-4913	268	7	s.	s.	PROPN
ejif-4913	268	8	l.	l.	PROPN
ejif-4913	268	9	woerner	woerner	PROPN
ejif-4913	268	10	,	,	PUNCT
ejif-4913	268	11	―optimizing	―optimize	VERB
ejif-4913	268	12	your	your	PRON
ejif-4913	268	13	digital	digital	ADJ
ejif-4913	268	14	business	business	NOUN
ejif-4913	268	15	model,‖	model,‖	PROPN
ejif-4913	268	16	mitsloan	mitsloan	NOUN
ejif-4913	268	17	management	management	PROPN
ejif-4913	268	18	review	review	PROPN
ejif-4913	268	19	,	,	PUNCT
ejif-4913	268	20	vol	vol	NOUN
ejif-4913	268	21	.	.	PROPN
ejif-4913	269	1	54	54	NUM
ejif-4913	269	2	(	(	PUNCT
ejif-4913	269	3	3	3	NUM
ejif-4913	269	4	)	)	PUNCT
ejif-4913	269	5	,	,	PUNCT
ejif-4913	269	6	2013	2013	NUM
ejif-4913	269	7	.	.	PUNCT
ejif-4913	270	1	[	[	X
ejif-4913	270	2	11	11	NUM
ejif-4913	270	3	]	]	X
ejif-4913	270	4	g.	g.	PROPN
ejif-4913	270	5	mclean	mclean	PROPN
ejif-4913	270	6	and	and	CCONJ
ejif-4913	270	7	a.	a.	PROPN
ejif-4913	270	8	wilson	wilson	PROPN
ejif-4913	270	9	,	,	PUNCT
ejif-4913	270	10	―evolving	―evolve	VERB
ejif-4913	270	11	the	the	DET
ejif-4913	270	12	online	online	ADJ
ejif-4913	270	13	customer	customer	NOUN
ejif-4913	270	14	experience	experience	NOUN
ejif-4913	270	15	…	…	PUNCT
ejif-4913	270	16	is	be	AUX
ejif-4913	270	17	there	there	PRON
ejif-4913	270	18	a	a	DET
ejif-4913	270	19	role	role	NOUN
ejif-4913	270	20	for	for	ADP
ejif-4913	270	21	online	online	ADJ
ejif-4913	270	22	customer	customer	NOUN
ejif-4913	270	23	support?,‖computers	support?,‖computer	NOUN
ejif-4913	270	24	in	in	ADP
ejif-4913	270	25	human	human	ADJ
ejif-4913	270	26	behavior	behavior	NOUN
ejif-4913	270	27	,	,	PUNCT
ejif-4913	270	28	(	(	PUNCT
ejif-4913	270	29	60	60	NUM
ejif-4913	270	30	)	)	PUNCT
ejif-4913	270	31	,	,	PUNCT
ejif-4913	270	32	pp	pp	ADJ
ejif-4913	270	33	.	.	PUNCT
ejif-4913	271	1	602‑	602‑	PROPN
ejif-4913	271	2	610	610	NUM
ejif-4913	271	3	,	,	PUNCT
ejif-4913	271	4	2016	2016	NUM
ejif-4913	271	5	.	.	PUNCT
ejif-4913	272	1	[	[	X
ejif-4913	272	2	12	12	NUM
ejif-4913	272	3	]	]	X
ejif-4913	272	4	s.	s.	PROPN
ejif-4913	272	5	chevalet	chevalet	PROPN
ejif-4913	272	6	and	and	CCONJ
ejif-4913	272	7	y.	y.	PROPN
ejif-4913	272	8	coutaz	coutaz	PROPN
ejif-4913	272	9	,	,	PUNCT
ejif-4913	272	10	―nous	―nous	ADJ
ejif-4913	272	11	entrons	entron	NOUN
ejif-4913	272	12	dans	dans	X
ejif-4913	272	13	l'ère	l'ère	PROPN
ejif-4913	272	14	de	de	X
ejif-4913	272	15	l'hyperusage	l'hyperusage	PROPN
ejif-4913	272	16	!	!	PUNCT
ejif-4913	272	17	,	,	PUNCT
ejif-4913	272	18	‖	‖	PROPN
ejif-4913	272	19	l'expansion	l'expansion	PROPN
ejif-4913	272	20	management	management	NOUN
ejif-4913	272	21	review	review	NOUN
ejif-4913	272	22	,	,	PUNCT
ejif-4913	272	23	vol	vol	NOUN
ejif-4913	272	24	.	.	PROPN
ejif-4913	272	25	154(3	154(3	NUM
ejif-4913	272	26	)	)	PUNCT
ejif-4913	272	27	,	,	PUNCT
ejif-4913	272	28	pp	pp	ADP
ejif-4913	272	29	.	.	PUNCT
ejif-4913	273	1	68	68	NUM
ejif-4913	273	2	-	-	SYM
ejif-4913	273	3	73	73	NUM
ejif-4913	273	4	,	,	PUNCT
ejif-4913	273	5	2014	2014	NUM
ejif-4913	273	6	.	.	PUNCT
ejif-4913	274	1	[	[	X
ejif-4913	274	2	13	13	NUM
ejif-4913	274	3	]	]	X
ejif-4913	274	4	s.	s.	PROPN
ejif-4913	274	5	drissi	drissi	PROPN
ejif-4913	274	6	,	,	PUNCT
ejif-4913	274	7	and	and	CCONJ
ejif-4913	274	8	k.	k.	PROPN
ejif-4913	274	9	angade	angade	PROPN
ejif-4913	274	10	,	,	PUNCT
ejif-4913	274	11	―islamic	―islamic	PROPN
ejif-4913	274	12	financial	financial	ADJ
ejif-4913	274	13	intermediation	intermediation	NOUN
ejif-4913	274	14	the	the	DET
ejif-4913	274	15	emergence	emergence	NOUN
ejif-4913	274	16	of	of	ADP
ejif-4913	274	17	a	a	DET
ejif-4913	274	18	new	new	ADJ
ejif-4913	274	19	model,‖	model,‖	PROPN
ejif-4913	274	20	european	european	PROPN
ejif-4913	274	21	journal	journal	PROPN
ejif-4913	274	22	of	of	ADP
ejif-4913	274	23	islamic	islamic	PROPN
ejif-4913	274	24	finance	finance	PROPN
ejif-4913	274	25	,	,	PUNCT
ejif-4913	274	26	(	(	PUNCT
ejif-4913	274	27	12	12	NUM
ejif-4913	274	28	)	)	PUNCT
ejif-4913	274	29	,	,	PUNCT
ejif-4913	274	30	2019	2019	NUM
ejif-4913	274	31	.	.	PUNCT
ejif-4913	275	1	[	[	X
ejif-4913	275	2	14	14	NUM
ejif-4913	275	3	]	]	PUNCT
ejif-4913	275	4	b.	b.	PROPN
ejif-4913	275	5	grall	grall	PROPN
ejif-4913	275	6	,	,	PUNCT
ejif-4913	275	7	―les	―les	PROPN
ejif-4913	275	8	progiciels	progiciel	NOUN
ejif-4913	275	9	crm	crm	PROPN
ejif-4913	275	10	:	:	PUNCT
ejif-4913	275	11	entre	entre	PROPN
ejif-4913	275	12	connaissance	connaissance	PROPN
ejif-4913	275	13	client	client	PROPN
ejif-4913	275	14	et	et	PROPN
ejif-4913	275	15	contrôle	contrôle	PROPN
ejif-4913	275	16	–	–	PUNCT
ejif-4913	275	17	des	des	X
ejif-4913	275	18	changements	changements	X
ejif-4913	275	19	de	de	X
ejif-4913	275	20	pratiques	pratiques	X
ejif-4913	275	21	variés	variés	X
ejif-4913	275	22	et	et	NOUN
ejif-4913	275	23	inattendus	inattendus	NOUN
ejif-4913	275	24	,	,	PUNCT
ejif-4913	275	25	‖	‖	PROPN
ejif-4913	275	26	comptabilité	comptabilité	NOUN
ejif-4913	275	27	contrôle	contrôle	NOUN
ejif-4913	275	28	audit	audit	NOUN
ejif-4913	275	29	,	,	PUNCT
ejif-4913	275	30	vol	vol	NOUN
ejif-4913	275	31	.	.	PROPN
ejif-4913	275	32	22	22	NUM
ejif-4913	275	33	(	(	PUNCT
ejif-4913	275	34	3	3	NUM
ejif-4913	275	35	)	)	PUNCT
ejif-4913	275	36	,	,	PUNCT
ejif-4913	275	37	pp	pp	PROPN
ejif-4913	275	38	.	.	PUNCT
ejif-4913	275	39	81	81	NUM
ejif-4913	275	40	-	-	SYM
ejif-4913	275	41	109	109	NUM
ejif-4913	275	42	,	,	PUNCT
ejif-4913	275	43	2016	2016	NUM
ejif-4913	275	44	.	.	PUNCT
ejif-4913	276	1	[	[	X
ejif-4913	276	2	15	15	X
ejif-4913	276	3	]	]	PUNCT
ejif-4913	276	4	t.	t.	PROPN
ejif-4913	276	5	h.	h.	PROPN
ejif-4913	276	6	davenport	davenport	PROPN
ejif-4913	276	7	,	,	PUNCT
ejif-4913	276	8	p.	p.	PROPN
ejif-4913	276	9	barth	barth	PROPN
ejif-4913	276	10	,	,	PUNCT
ejif-4913	276	11	and	and	CCONJ
ejif-4913	276	12	r.	r.	PROPN
ejif-4913	276	13	bean	bean	PROPN
ejif-4913	276	14	,	,	PUNCT
ejif-4913	276	15	―how	―how	SCONJ
ejif-4913	276	16	big	big	ADJ
ejif-4913	276	17	data	data	NOUN
ejif-4913	276	18	is	be	AUX
ejif-4913	276	19	different	different	ADJ
ejif-4913	276	20	?	?	PUNCT
ejif-4913	276	21	,	,	PUNCT
ejif-4913	276	22	‖	‖	PROPN
ejif-4913	276	23	magazine	magazine	NOUN
ejif-4913	276	24	fall	fall	NOUN
ejif-4913	276	25	,	,	PUNCT
ejif-4913	276	26	(	(	PUNCT
ejif-4913	276	27	july	july	PROPN
ejif-4913	276	28	)	)	PUNCT
ejif-4913	276	29	,	,	PUNCT
ejif-4913	276	30	2012	2012	NUM
ejif-4913	276	31	.	.	PUNCT
ejif-4913	277	1	[	[	X
ejif-4913	277	2	online	online	X
ejif-4913	277	3	]	]	X
ejif-4913	277	4	.	.	PUNCT
ejif-4913	278	1	available	available	ADJ
ejif-4913	278	2	:	:	PUNCT
ejif-4913	278	3	http://sloanreview.mit.edu/article/how-big-datais-different/[accessed	http://sloanreview.mit.edu/article/how-big-datais-different/[accesse	VERB
ejif-4913	278	4	:	:	PUNCT
ejif-4913	278	5	15	15	NUM
ejif-4913	278	6	-	-	PUNCT
ejif-4913	278	7	june-2020	june-2020	NOUN
ejif-4913	278	8	]	]	PUNCT
ejif-4913	278	9	.	.	PUNCT
ejif-4913	279	1	[	[	X
ejif-4913	279	2	16	16	NUM
ejif-4913	279	3	]	]	X
ejif-4913	279	4	j.	j.	PROPN
ejif-4913	279	5	m.	m.	PROPN
ejif-4913	279	6	sahut	sahut	PROPN
ejif-4913	279	7	,	,	PUNCT
ejif-4913	279	8	―vers	―vers	X
ejif-4913	279	9	une	une	X
ejif-4913	279	10	révolution	révolution	PROPN
ejif-4913	279	11	du	du	PROPN
ejif-4913	279	12	secteur	secteur	PROPN
ejif-4913	279	13	bancaire,‖	bancaire,‖	PROPN
ejif-4913	279	14	la	la	PROPN
ejif-4913	279	15	revue	revue	PROPN
ejif-4913	279	16	du	du	PROPN
ejif-4913	279	17	financier	financier	PROPN
ejif-4913	279	18	,	,	PUNCT
ejif-4913	279	19	(	(	PUNCT
ejif-4913	279	20	131	131	NUM
ejif-4913	279	21	)	)	PUNCT
ejif-4913	279	22	,	,	PUNCT
ejif-4913	279	23	pp	pp	PROPN
ejif-4913	279	24	.	.	PUNCT
ejif-4913	280	1	34	34	NUM
ejif-4913	280	2	-	-	SYM
ejif-4913	280	3	38	38	NUM
ejif-4913	280	4	,	,	PUNCT
ejif-4913	280	5	2001	2001	NUM
ejif-4913	280	6	.	.	PUNCT
ejif-4913	281	1	[	[	X
ejif-4913	281	2	17	17	NUM
ejif-4913	281	3	]	]	X
ejif-4913	281	4	e.	e.	PROPN
ejif-4913	281	5	i.	i.	PROPN
ejif-4913	281	6	apăvăloaie	apăvăloaie	PROPN
ejif-4913	281	7	,	,	PUNCT
ejif-4913	281	8	―the	―the	DET
ejif-4913	281	9	impact	impact	NOUN
ejif-4913	281	10	of	of	ADP
ejif-4913	281	11	the	the	DET
ejif-4913	281	12	internet	internet	NOUN
ejif-4913	281	13	on	on	ADP
ejif-4913	281	14	the	the	DET
ejif-4913	281	15	business	business	NOUN
ejif-4913	281	16	environment,‖	environment,‖	PROPN
ejif-4913	281	17	procedia	procedia	NOUN
ejif-4913	281	18	economics	economic	NOUN
ejif-4913	281	19	and	and	CCONJ
ejif-4913	281	20	finance	finance	NOUN
ejif-4913	281	21	,	,	PUNCT
ejif-4913	281	22	(	(	PUNCT
ejif-4913	281	23	15	15	NUM
ejif-4913	281	24	)	)	PUNCT
ejif-4913	281	25	,	,	PUNCT
ejif-4913	281	26	pp	pp	ADP
ejif-4913	281	27	.	.	PUNCT
ejif-4913	282	1	951‑	951‑	PROPN
ejif-4913	282	2	958	958	NUM
ejif-4913	282	3	,	,	PUNCT
ejif-4913	282	4	2014	2014	NUM
ejif-4913	282	5	.	.	PUNCT
ejif-4913	283	1	[	[	X
ejif-4913	283	2	18	18	NUM
ejif-4913	283	3	]	]	PUNCT
ejif-4913	283	4	p.	p.	NOUN
ejif-4913	283	5	abedifar	abedifar	ADV
ejif-4913	283	6	,	,	PUNCT
ejif-4913	283	7	p.	p.	PROPN
ejif-4913	283	8	molyneux	molyneux	PROPN
ejif-4913	283	9	,	,	PUNCT
ejif-4913	283	10	and	and	CCONJ
ejif-4913	283	11	a.	a.	NOUN
ejif-4913	283	12	tarazi	tarazi	NOUN
ejif-4913	283	13	,	,	PUNCT
ejif-4913	283	14	―risk	―risk	NOUN
ejif-4913	283	15	in	in	ADP
ejif-4913	283	16	islamic	islamic	ADJ
ejif-4913	283	17	banking	banking	NOUN
ejif-4913	283	18	.	.	PUNCT
ejif-4913	284	1	review	review	NOUN
ejif-4913	284	2	of	of	ADP
ejif-4913	284	3	finance,‖	finance,‖	PROPN
ejif-4913	284	4	vol	vol	NOUN
ejif-4913	284	5	.	.	PROPN
ejif-4913	285	1	17	17	NUM
ejif-4913	285	2	(	(	PUNCT
ejif-4913	285	3	6	6	NUM
ejif-4913	285	4	)	)	PUNCT
ejif-4913	285	5	,	,	PUNCT
ejif-4913	285	6	pp	pp	ADP
ejif-4913	285	7	.	.	PUNCT
ejif-4913	286	1	2035‑	2035‑	NUM
ejif-4913	286	2	2096	2096	NUM
ejif-4913	286	3	,	,	PUNCT
ejif-4913	286	4	2013	2013	NUM
ejif-4913	286	5	.	.	PUNCT
ejif-4913	287	1	[	[	X
ejif-4913	287	2	19	19	NUM
ejif-4913	287	3	]	]	X
ejif-4913	287	4	j.	j.	PROPN
ejif-4913	287	5	drahokoupil	drahokoupil	PROPN
ejif-4913	287	6	,	,	PUNCT
ejif-4913	287	7	and	and	CCONJ
ejif-4913	287	8	m.	m.	PROPN
ejif-4913	287	9	jepsen	jepsen	PROPN
ejif-4913	287	10	,	,	PUNCT
ejif-4913	287	11	―the	―the	DET
ejif-4913	287	12	digital	digital	ADJ
ejif-4913	287	13	economy	economy	NOUN
ejif-4913	287	14	and	and	CCONJ
ejif-4913	287	15	its	its	PRON
ejif-4913	287	16	implications	implication	NOUN
ejif-4913	287	17	for	for	ADP
ejif-4913	287	18	labour	labour	NOUN
ejif-4913	287	19	 	 	SPACE
ejif-4913	287	20	:	:	PUNCT
ejif-4913	288	1	1	1	X
ejif-4913	288	2	.	.	X
ejif-4913	288	3	the	the	DET
ejif-4913	288	4	platform	platform	NOUN
ejif-4913	288	5	economy,‖	economy,‖	PROPN
ejif-4913	288	6	european	european	ADJ
ejif-4913	288	7	review	review	NOUN
ejif-4913	288	8	of	of	ADP
ejif-4913	288	9	labour	labour	NOUN
ejif-4913	288	10	and	and	CCONJ
ejif-4913	288	11	research	research	NOUN
ejif-4913	288	12	,	,	PUNCT
ejif-4913	288	13	vol	vol	NOUN
ejif-4913	288	14	.	.	PUNCT
ejif-4913	288	15	23(2	23(2	NOUN
ejif-4913	288	16	)	)	PUNCT
ejif-4913	288	17	,	,	PUNCT
ejif-4913	288	18	pp	pp	ADP
ejif-4913	288	19	.	.	PUNCT
ejif-4913	289	1	103–119	103–119	NUM
ejif-4913	289	2	,	,	PUNCT
ejif-4913	289	3	2017	2017	NUM
ejif-4913	289	4	.	.	PUNCT
ejif-4913	290	1	[	[	X
ejif-4913	290	2	20	20	NUM
ejif-4913	290	3	]	]	X
ejif-4913	290	4	f.	f.	PROPN
ejif-4913	290	5	khanboubi	khanboubi	PROPN
ejif-4913	290	6	,	,	PUNCT
ejif-4913	290	7	a.	a.	NOUN
ejif-4913	290	8	boulmakoul	boulmakoul	PROPN
ejif-4913	290	9	,	,	PUNCT
ejif-4913	290	10	and	and	CCONJ
ejif-4913	290	11	m.	m.	PROPN
ejif-4913	290	12	tabaa	tabaa	PROPN
ejif-4913	290	13	,	,	PUNCT
ejif-4913	290	14	―impact	―impact	PROPN
ejif-4913	290	15	of	of	ADP
ejif-4913	290	16	digital	digital	ADJ
ejif-4913	290	17	trends	trend	NOUN
ejif-4913	290	18	using	use	VERB
ejif-4913	290	19	iot	iot	NOUN
ejif-4913	290	20	on	on	ADP
ejif-4913	290	21	banking	bank	VERB
ejif-4913	290	22	processes,‖	processes,‖	PROPN
ejif-4913	290	23	procedia	procedia	PROPN
ejif-4913	290	24	computer	computer	NOUN
ejif-4913	290	25	science	science	NOUN
ejif-4913	290	26	,	,	PUNCT
ejif-4913	290	27	(	(	PUNCT
ejif-4913	290	28	151	151	NUM
ejif-4913	290	29	)	)	PUNCT
ejif-4913	290	30	,	,	PUNCT
ejif-4913	290	31	pp	pp	ADP
ejif-4913	290	32	.	.	PUNCT
ejif-4913	291	1	77	77	NUM
ejif-4913	291	2	-	-	SYM
ejif-4913	291	3	84	84	NUM
ejif-4913	291	4	,	,	PUNCT
ejif-4913	291	5	2019	2019	NUM
ejif-4913	291	6	.	.	PUNCT
ejif-4913	292	1	https://www.weforum.org/agenda/2020/04/imf-economy-coronavirus-covid-19-recession/	https://www.weforum.org/agenda/2020/04/imf-economy-coronavirus-covid-19-recession/	NOUN
ejif-4913	292	2	https://www.weforum.org/agenda/2020/04/imf-economy-coronavirus-covid-19-recession/	https://www.weforum.org/agenda/2020/04/imf-economy-coronavirus-covid-19-recession/	NOUN
ejif-4913	292	3	https://www.ifsb.org/preess_full.php?id=530&submit=more	https://www.ifsb.org/preess_full.php?id=530&submit=more	VERB
ejif-4913	292	4	https://www.who.int/news-room/detail/20-04-2020-itu-who-joint-statement-unleashing-information-technology-to-defeat-covid-19	https://www.who.int/news-room/detail/20-04-2020-itu-who-joint-statement-unleashing-information-technology-to-defeat-covid-19	PROPN
ejif-4913	293	1	https://www.who.int/news-room/detail/20-04-2020-itu-who-joint-statement-unleashing-information-technology-to-defeat-covid-19	https://www.who.int/news-room/detail/20-04-2020-itu-who-joint-statement-unleashing-information-technology-to-defeat-covid-19	PROPN
ejif-4913	293	2	https://www.who.int/news-room/detail/20-04-2020-itu-who-joint-statement-unleashing-information-technology-to-defeat-covid-19	https://www.who.int/news-room/detail/20-04-2020-itu-who-joint-statement-unleashing-information-technology-to-defeat-covid-19	PROPN
ejif-4913	293	3	file:///c:\users\dell\desktop\doctorat\articles%20ecrits\article%20covid-19\%0darlotto,%20jacques,%20jean	file:///c:\users\dell\desktop\doctorat\articles%20ecrits\article%20covid-19\%0darlotto,%20jacques,%20jean	ADJ
ejif-4913	293	4	-	-	PUNCT
ejif-4913	293	5	michel%20sahut,%20et%20fr	michel%20sahut,%20et%20fr	ADJ
ejif-4913	293	6	�	�	NOUN
ejif-4913	293	7	d	d	NOUN
ejif-4913	293	8	�	�	NOUN
ejif-4913	293	9	ric%20teulon.%202011a	ric%20teulon.%202011a	PROPN
ejif-4913	293	10	file:///c:\users\dell\desktop\doctorat\articles%20ecrits\article%20covid-19\%0darlotto,%20jacques,%20jean	file:///c:\users\dell\desktop\doctorat\articles%20ecrits\article%20covid-19\%0darlotto,%20jacques,%20jean	ADJ
ejif-4913	293	11	-	-	PUNCT
ejif-4913	293	12	michel%20sahut,%20et%20fr	michel%20sahut,%20et%20fr	ADJ
ejif-4913	293	13	�	�	NOUN
ejif-4913	293	14	d	d	NOUN
ejif-4913	293	15	�	�	NOUN
ejif-4913	293	16	ric%20teulon.%202011a	ric%20teulon.%202011a	PROPN
ejif-4913	293	17	file:///c:\users\dell\desktop\doctorat\articles%20ecrits\article%20covid-19\%0darlotto,%20jacques,%20jean	file:///c:\users\dell\desktop\doctorat\articles%20ecrits\article%20covid-19\%0darlotto,%20jacques,%20jean	ADJ
ejif-4913	293	18	-	-	PUNCT
ejif-4913	293	19	michel%20sahut,%20et%20fr	michel%20sahut,%20et%20fr	ADJ
ejif-4913	293	20	�	�	NOUN
ejif-4913	293	21	d	d	NOUN
ejif-4913	293	22	�	�	NOUN
ejif-4913	293	23	ric%20teulon.%202011a	ric%20teulon.%202011a	PROPN
ejif-4913	293	24	file:///c:\users\dell\desktop\doctorat\articles%20ecrits\article%20covid-19\%0darlotto,%20jacques,%20jean	file:///c:\users\dell\desktop\doctorat\articles%20ecrits\article%20covid-19\%0darlotto,%20jacques,%20jean	ADJ
ejif-4913	293	25	-	-	PUNCT
ejif-4913	293	26	michel%20sahut,%20et%20fr	michel%20sahut,%20et%20fr	ADJ
ejif-4913	293	27	�	�	NOUN
ejif-4913	293	28	d	d	NOUN
ejif-4913	293	29	�	�	NOUN
ejif-4913	293	30	ric%20teulon.%202011a	ric%20teulon.%202011a	PROPN
ejif-4913	293	31	file:///c:\users\dell\desktop\doctorat\articles%20ecrits\article%20covid-19\%0darlotto,%20jacques,%20jean	file:///c:\users\dell\desktop\doctorat\articles%20ecrits\article%20covid-19\%0darlotto,%20jacques,%20jean	ADJ
ejif-4913	293	32	-	-	PUNCT
ejif-4913	293	33	michel%20sahut,%20et%20fr	michel%20sahut,%20et%20fr	ADJ
ejif-4913	293	34	�	�	NOUN
ejif-4913	293	35	d	d	NOUN
ejif-4913	293	36	�	�	NOUN
ejif-4913	293	37	ric%20teulon.%202011a	ric%20teulon.%202011a	PROPN
ejif-4913	293	38	http://sloanreview.mit.edu/article/how-big-datais-different/	http://sloanreview.mit.edu/article/how-big-datais-different/	NOUN
ejif-4913	293	39	ejif	ejif	PROPN
ejif-4913	293	40	–	–	PUNCT
ejif-4913	293	41	european	european	PROPN
ejif-4913	293	42	journal	journal	PROPN
ejif-4913	293	43	of	of	ADP
ejif-4913	293	44	islamic	islamic	PROPN
ejif-4913	293	45	finance	finance	PROPN
ejif-4913	293	46	islamic	islamic	PROPN
ejif-4913	293	47	finance	finance	NOUN
ejif-4913	293	48	role	role	NOUN
ejif-4913	293	49	in	in	ADP
ejif-4913	293	50	the	the	DET
ejif-4913	293	51	time	time	NOUN
ejif-4913	293	52	of	of	ADP
ejif-4913	293	53	covid-19	covid-19	PROPN
ejif-4913	293	54	pandemic	pandemic	NOUN
ejif-4913	293	55	,	,	PUNCT
ejif-4913	293	56	no	no	DET
ejif-4913	293	57	16	16	NUM
ejif-4913	293	58	,	,	PUNCT
ejif-4913	293	59	december	december	PROPN
ejif-4913	293	60	(	(	PUNCT
ejif-4913	293	61	2020	2020	NUM
ejif-4913	293	62	)	)	PUNCT
ejif-4913	294	1	http://www.ojs.unito.it/index.php/ejif	http://www.ojs.unito.it/index.php/ejif	PROPN
ejif-4913	294	2	issn	issn	VERB
ejif-4913	294	3	2421	2421	NUM
ejif-4913	294	4	-	-	SYM
ejif-4913	294	5	2172	2172	NUM
ejif-4913	294	6	doi	doi	NOUN
ejif-4913	294	7	:	:	PUNCT
ejif-4913	294	8	10.13135/2421	10.13135/2421	NUM
ejif-4913	294	9	-	-	SYM
ejif-4913	294	10	2172/4913	2172/4913	NUM
ejif-4913	294	11	10	10	NUM
ejif-4913	294	12	[	[	SYM
ejif-4913	294	13	21	21	NUM
ejif-4913	294	14	]	]	PUNCT
ejif-4913	294	15	m.	m.	NOUN
ejif-4913	294	16	aaras	aaras	NOUN
ejif-4913	294	17	and	and	CCONJ
ejif-4913	294	18	a.	a.	NOUN
ejif-4913	294	19	nicolosi	nicolosi	NOUN
ejif-4913	294	20	,	,	PUNCT
ejif-4913	294	21	―la	―la	NOUN
ejif-4913	294	22	digitalisation	digitalisation	NOUN
ejif-4913	294	23	du	du	PROPN
ejif-4913	294	24	secteur	secteur	PROPN
ejif-4913	294	25	bancaire	bancaire	PROPN
ejif-4913	294	26	 	 	SPACE
ejif-4913	294	27	:	:	PUNCT
ejif-4913	294	28	la	la	DET
ejif-4913	294	29	perception	perception	NOUN
ejif-4913	294	30	par	par	NOUN
ejif-4913	294	31	les	les	X
ejif-4913	294	32	clients,‖	clients,‖	PROPN
ejif-4913	294	33	23	23	NUM
ejif-4913	294	34	.	.	PUNCT
ejif-4913	295	1	conference	conference	NOUN
ejif-4913	295	2	paper	paper	NOUN
ejif-4913	295	3	,	,	PUNCT
ejif-4913	295	4	international	international	ADJ
ejif-4913	295	5	marketing	marketing	NOUN
ejif-4913	295	6	trends	trend	NOUN
ejif-4913	295	7	conférence	conférence	PROPN
ejif-4913	295	8	,	,	PUNCT
ejif-4913	295	9	paris	paris	PROPN
ejif-4913	295	10	,	,	PUNCT
ejif-4913	295	11	france	france	PROPN
ejif-4913	295	12	,	,	PUNCT
ejif-4913	295	13	2020	2020	NUM
ejif-4913	295	14	.	.	PUNCT
ejif-4913	296	1	[	[	X
ejif-4913	296	2	22	22	NUM
ejif-4913	296	3	]	]	X
ejif-4913	296	4	itu	itu	PROPN
ejif-4913	296	5	,	,	PUNCT
ejif-4913	296	6	―internet	―internet	NOUN
ejif-4913	296	7	usage	usage	NOUN
ejif-4913	296	8	keeps	keep	VERB
ejif-4913	296	9	growing	grow	VERB
ejif-4913	296	10	,	,	PUNCT
ejif-4913	296	11	but	but	CCONJ
ejif-4913	296	12	barriers	barrier	NOUN
ejif-4913	296	13	lie	lie	VERB
ejif-4913	297	1	ahead,‖	ahead,‖	PROPN
ejif-4913	298	1	[	[	X
ejif-4913	298	2	online	online	X
ejif-4913	298	3	]	]	X
ejif-4913	298	4	.	.	PUNCT
ejif-4913	299	1	available	available	ADJ
ejif-4913	299	2	:	:	PUNCT
ejif-4913	299	3	https://itu.foleon.com	https://itu.foleon.com	X
ejif-4913	299	4	/	/	SYM
ejif-4913	299	5	itu	itu	PROPN
ejif-4913	299	6	/	/	SYM
ejif-4913	299	7	measuring	measure	VERB
ejif-4913	299	8	-	-	PUNCT
ejif-4913	299	9	digitaldevelopment	digitaldevelopment	ADJ
ejif-4913	299	10	/	/	SYM
ejif-4913	299	11	internet	internet	NOUN
ejif-4913	299	12	-	-	PUNCT
ejif-4913	299	13	use	use	NOUN
ejif-4913	299	14	/	/	SYM
ejif-4913	299	15	d[accessed	d[accesse	VERB
ejif-4913	299	16	:	:	PUNCT
ejif-4913	299	17	10	10	NUM
ejif-4913	299	18	-	-	NOUN
ejif-4913	299	19	may-2020	may-2020	NOUN
ejif-4913	299	20	]	]	PUNCT
ejif-4913	299	21	.	.	PUNCT
ejif-4913	300	1	[	[	X
ejif-4913	300	2	23	23	NUM
ejif-4913	300	3	]	]	X
ejif-4913	300	4	b.	b.	PROPN
ejif-4913	300	5	lavayssière	lavayssière	PROPN
ejif-4913	300	6	,	,	PUNCT
ejif-4913	300	7	―les	―les	PROPN
ejif-4913	300	8	modèles	modèles	PROPN
ejif-4913	300	9	économiques	économiques	PROPN
ejif-4913	300	10	bouleversés	bouleversé	VERB
ejif-4913	300	11	par	par	NOUN
ejif-4913	300	12	le	le	X
ejif-4913	300	13	digital,‖	digital,‖	PROPN
ejif-4913	300	14	revue	revue	PROPN
ejif-4913	300	15	d'économie	d'économie	PROPN
ejif-4913	300	16	financière	financière	PROPN
ejif-4913	300	17	,	,	PUNCT
ejif-4913	300	18	(	(	PUNCT
ejif-4913	300	19	120	120	NUM
ejif-4913	300	20	)	)	PUNCT
ejif-4913	300	21	,	,	PUNCT
ejif-4913	300	22	pp.57	pp.57	PROPN
ejif-4913	300	23	-	-	PUNCT
ejif-4913	300	24	66	66	NUM
ejif-4913	300	25	,	,	PUNCT
ejif-4913	300	26	2015	2015	NUM
ejif-4913	300	27	.	.	PUNCT
ejif-4913	301	1	[	[	X
ejif-4913	301	2	24	24	NUM
ejif-4913	301	3	]	]	PUNCT
ejif-4913	301	4	p.	p.	NOUN
ejif-4913	301	5	p.	p.	PROPN
ejif-4913	301	6	biancone	biancone	NOUN
ejif-4913	301	7	,	,	PUNCT
ejif-4913	301	8	s.	s.	PROPN
ejif-4913	301	9	secinaro	secinaro	PROPN
ejif-4913	301	10	,	,	PUNCT
ejif-4913	301	11	and	and	CCONJ
ejif-4913	301	12	m.	m.	PROPN
ejif-4913	301	13	kamal	kamal	PROPN
ejif-4913	301	14	,	,	PUNCT
ejif-4913	301	15	―crowdfunding	―crowdfunding	NOUN
ejif-4913	301	16	and	and	CCONJ
ejif-4913	301	17	fintech	fintech	NOUN
ejif-4913	301	18	 	 	SPACE
ejif-4913	301	19	:	:	PUNCT
ejif-4913	301	20	business	business	NOUN
ejif-4913	301	21	model	model	NOUN
ejif-4913	301	22	sharia	sharia	PROPN
ejif-4913	301	23	compliant,‖	compliant,‖	PROPN
ejif-4913	301	24	european	european	PROPN
ejif-4913	301	25	journal	journal	PROPN
ejif-4913	301	26	of	of	ADP
ejif-4913	301	27	islamic	islamic	PROPN
ejif-4913	301	28	finance	finance	PROPN
ejif-4913	301	29	,	,	PUNCT
ejif-4913	301	30	(	(	PUNCT
ejif-4913	301	31	12	12	NUM
ejif-4913	301	32	)	)	PUNCT
ejif-4913	301	33	,	,	PUNCT
ejif-4913	301	34	2019	2019	NUM
ejif-4913	301	35	.	.	PUNCT
ejif-4913	302	1	[	[	X
ejif-4913	302	2	25	25	NUM
ejif-4913	302	3	]	]	PUNCT
ejif-4913	302	4	k.	k.	PROPN
ejif-4913	302	5	b.	b.	PROPN
ejif-4913	302	6	cyree	cyree	PROPN
ejif-4913	302	7	,	,	PUNCT
ejif-4913	302	8	n.	n.	NOUN
ejif-4913	302	9	delcoure	delcoure	NOUN
ejif-4913	302	10	,	,	PUNCT
ejif-4913	302	11	and	and	CCONJ
ejif-4913	302	12	r.	r.	PROPN
ejif-4913	302	13	dickens	dickens	PROPN
ejif-4913	302	14	,	,	PUNCT
ejif-4913	302	15	―an	―an	PROPN
ejif-4913	302	16	examination	examination	NOUN
ejif-4913	302	17	of	of	ADP
ejif-4913	302	18	the	the	DET
ejif-4913	302	19	performance	performance	NOUN
ejif-4913	302	20	and	and	CCONJ
ejif-4913	302	21	prospects	prospect	NOUN
ejif-4913	302	22	for	for	ADP
ejif-4913	302	23	the	the	DET
ejif-4913	302	24	future	future	NOUN
ejif-4913	302	25	of	of	ADP
ejif-4913	302	26	internet	internet	NOUN
ejif-4913	302	27	-	-	PUNCT
ejif-4913	302	28	primary	primary	ADJ
ejif-4913	302	29	banks,‖	banks,‖	PROPN
ejif-4913	302	30	journal	journal	NOUN
ejif-4913	302	31	of	of	ADP
ejif-4913	302	32	economics	economic	NOUN
ejif-4913	302	33	and	and	CCONJ
ejif-4913	302	34	finance	finance	NOUN
ejif-4913	302	35	,	,	PUNCT
ejif-4913	302	36	2008	2008	NUM
ejif-4913	302	37	.	.	PUNCT
ejif-4913	303	1	[	[	X
ejif-4913	303	2	26	26	NUM
ejif-4913	303	3	]	]	PUNCT
ejif-4913	303	4	v.	v.	ADP
ejif-4913	303	5	t.	t.	PROPN
ejif-4913	303	6	simon	simon	PROPN
ejif-4913	303	7	and	and	CCONJ
ejif-4913	303	8	a.	a.	PROPN
ejif-4913	303	9	s.	s.	PROPN
ejif-4913	303	10	r.	r.	PROPN
ejif-4913	303	11	thomas,―effect	thomas,―effect	PROPN
ejif-4913	303	12	of	of	ADP
ejif-4913	303	13	electronic	electronic	ADJ
ejif-4913	303	14	banking	banking	NOUN
ejif-4913	303	15	on	on	ADP
ejif-4913	303	16	customer	customer	NOUN
ejif-4913	303	17	satisfaction	satisfaction	NOUN
ejif-4913	303	18	in	in	ADP
ejif-4913	303	19	selected	select	VERB
ejif-4913	303	20	commercial	commercial	ADJ
ejif-4913	303	21	banks	bank	NOUN
ejif-4913	303	22	,	,	PUNCT
ejif-4913	303	23	kenya,‖	kenya,‖	PROPN
ejif-4913	303	24	international	international	ADJ
ejif-4913	303	25	academic	academic	ADJ
ejif-4913	303	26	journal	journal	NOUN
ejif-4913	303	27	of	of	ADP
ejif-4913	303	28	human	human	ADJ
ejif-4913	303	29	resource	resource	NOUN
ejif-4913	303	30	and	and	CCONJ
ejif-4913	303	31	business	business	NOUN
ejif-4913	303	32	administration	administration	NOUN
ejif-4913	303	33	,	,	PUNCT
ejif-4913	303	34	vol	vol	NOUN
ejif-4913	303	35	.	.	PROPN
ejif-4913	303	36	2	2	NUM
ejif-4913	303	37	(	(	PUNCT
ejif-4913	303	38	2	2	NUM
ejif-4913	303	39	)	)	PUNCT
ejif-4913	303	40	,	,	PUNCT
ejif-4913	303	41	pp	pp	PROPN
ejif-4913	303	42	.	.	PUNCT
ejif-4913	304	1	41	41	NUM
ejif-4913	304	2	-	-	SYM
ejif-4913	304	3	63	63	NUM
ejif-4913	304	4	,	,	PUNCT
ejif-4913	304	5	2016	2016	NUM
ejif-4913	304	6	.	.	PUNCT
ejif-4913	305	1	[	[	X
ejif-4913	305	2	27	27	NUM
ejif-4913	305	3	]	]	PUNCT
ejif-4913	305	4	valuates	valuate	NOUN
ejif-4913	305	5	reports	report	NOUN
ejif-4913	305	6	,	,	PUNCT
ejif-4913	305	7	―digital	―digital	PROPN
ejif-4913	305	8	banking	banking	NOUN
ejif-4913	305	9	market	market	NOUN
ejif-4913	305	10	overview,‖	overview,‖	PROPN
ejif-4913	306	1	[	[	X
ejif-4913	306	2	online	online	X
ejif-4913	306	3	]	]	X
ejif-4913	306	4	.	.	PUNCT
ejif-4913	307	1	available	available	ADJ
ejif-4913	307	2	:	:	PUNCT
ejif-4913	307	3	https://reports.valuates.com	https://reports.valuates.com	NUM
ejif-4913	307	4	/	/	SYM
ejif-4913	307	5	market	market	NOUN
ejif-4913	307	6	-	-	PUNCT
ejif-4913	307	7	reports	report	NOUN
ejif-4913	307	8	/	/	SYM
ejif-4913	307	9	qyre	qyre	NOUN
ejif-4913	307	10	-	-	PUNCT
ejif-4913	307	11	auto4n473	auto4n473	NOUN
ejif-4913	307	12	/	/	SYM
ejif-4913	307	13	global	global	ADJ
ejif-4913	307	14	-	-	PUNCT
ejif-4913	307	15	digital	digital	ADJ
ejif-4913	307	16	-	-	PUNCT
ejif-4913	307	17	banking	banking	NOUN
ejif-4913	307	18	-	-	PUNCT
ejif-4913	307	19	market	market	NOUN
ejif-4913	307	20	-	-	PUNCT
ejif-4913	307	21	size	size	NOUN
ejif-4913	307	22	-	-	PUNCT
ejif-4913	307	23	status	status	NOUN
ejif-4913	307	24	-	-	PUNCT
ejif-4913	307	25	and	and	CCONJ
ejif-4913	307	26	-	-	PUNCT
ejif-4913	307	27	forecast-20192025[accessed	forecast-20192025[accesse	VERB
ejif-4913	307	28	:	:	PUNCT
ejif-4913	307	29	30	30	NUM
ejif-4913	307	30	-	-	PUNCT
ejif-4913	307	31	jul-2020	jul-2020	NOUN
ejif-4913	307	32	]	]	PUNCT
ejif-4913	307	33	.	.	PUNCT
ejif-4913	308	1	[	[	X
ejif-4913	308	2	28	28	NUM
ejif-4913	308	3	]	]	X
ejif-4913	308	4	deloitte	deloitte	PROPN
ejif-4913	308	5	digital	digital	PROPN
ejif-4913	308	6	,	,	PUNCT
ejif-4913	308	7	―digital	―digital	PROPN
ejif-4913	308	8	banking	banking	NOUN
ejif-4913	308	9	benchmark	benchmark	NOUN
ejif-4913	308	10	–	–	PUNCT
ejif-4913	308	11	improving	improve	VERB
ejif-4913	308	12	the	the	DET
ejif-4913	308	13	digital	digital	ADJ
ejif-4913	308	14	performance,‖	performance,‖	PROPN
ejif-4913	308	15	2017	2017	NUM
ejif-4913	308	16	.	.	PUNCT
ejif-4913	309	1	[	[	X
ejif-4913	309	2	29	29	NUM
ejif-4913	309	3	]	]	X
ejif-4913	309	4	moneythor,―digital	moneythor,―digital	ADJ
ejif-4913	309	5	banking	banking	NOUN
ejif-4913	309	6	101‖	101‖	NUM
ejif-4913	309	7	,	,	PUNCT
ejif-4913	309	8	2020	2020	NUM
ejif-4913	309	9	.	.	PUNCT
ejif-4913	310	1	[	[	X
ejif-4913	310	2	online	online	X
ejif-4913	310	3	]	]	X
ejif-4913	310	4	.	.	PUNCT
ejif-4913	311	1	available	available	ADJ
ejif-4913	311	2	:	:	PUNCT
ejif-4913	311	3	https://www.moneythor.com/2020/07/30/digital-banking-101/[accessed	https://www.moneythor.com/2020/07/30/digital-banking-101/[accesse	VERB
ejif-4913	311	4	:	:	PUNCT
ejif-4913	311	5	30	30	NUM
ejif-4913	311	6	-	-	PUNCT
ejif-4913	311	7	jul-2020	jul-2020	NOUN
ejif-4913	311	8	]	]	PUNCT
ejif-4913	311	9	.	.	PUNCT
ejif-4913	312	1	[	[	X
ejif-4913	312	2	30	30	NUM
ejif-4913	312	3	]	]	X
ejif-4913	312	4	o.	o.	NOUN
ejif-4913	312	5	amrani	amrani	PROPN
ejif-4913	312	6	and	and	CCONJ
ejif-4913	312	7	a	a	PRON
ejif-4913	312	8	.	.	PUNCT
ejif-4913	313	1	najab	najab	ADJ
ejif-4913	313	2	,	,	PUNCT
ejif-4913	313	3	―l’évolution	―l’évolution	NOUN
ejif-4913	313	4	de	de	X
ejif-4913	313	5	la	la	PROPN
ejif-4913	313	6	gouvernance	gouvernance	PROPN
ejif-4913	313	7	bancaire	bancaire	PROPN
ejif-4913	313	8	 	 	SPACE
ejif-4913	313	9	:	:	PUNCT
ejif-4913	313	10	d’une	d’une	X
ejif-4913	313	11	approche	approche	X
ejif-4913	313	12	classique	classique	X
ejif-4913	313	13	vers	vers	X
ejif-4913	313	14	une	une	PROPN
ejif-4913	313	15	approche	approche	X
ejif-4913	313	16	fondée	fondée	PROPN
ejif-4913	313	17	sur	sur	PROPN
ejif-4913	313	18	la	la	PROPN
ejif-4913	313	19	charia	charia	PROPN
ejif-4913	313	20	(	(	PUNCT
ejif-4913	313	21	revue	revue	NOUN
ejif-4913	313	22	de	de	X
ejif-4913	313	23	littérature),‖	littérature),‖	X
ejif-4913	313	24	revue	revue	X
ejif-4913	313	25	du	du	PROPN
ejif-4913	313	26	contrôle	contrôle	PROPN
ejif-4913	313	27	de	de	X
ejif-4913	313	28	la	la	PROPN
ejif-4913	313	29	comptabilité	comptabilité	PROPN
ejif-4913	313	30	et	et	PROPN
ejif-4913	313	31	de	de	PROPN
ejif-4913	313	32	l’audit	l’audit	PROPN
ejif-4913	313	33	,	,	PUNCT
ejif-4913	313	34	vol.4(3	vol.4(3	NOUN
ejif-4913	313	35	)	)	PUNCT
ejif-4913	313	36	,	,	PUNCT
ejif-4913	313	37	pp	pp	PROPN
ejif-4913	313	38	.	.	PUNCT
ejif-4913	314	1	822	822	NUM
ejif-4913	314	2	-	-	SYM
ejif-4913	314	3	847	847	NUM
ejif-4913	314	4	,	,	PUNCT
ejif-4913	314	5	2020	2020	NUM
ejif-4913	314	6	.	.	PUNCT
ejif-4913	315	1	[	[	X
ejif-4913	315	2	31	31	NUM
ejif-4913	315	3	]	]	PUNCT
ejif-4913	315	4	p.p.biancone	p.p.biancone	NOUN
ejif-4913	315	5	and	and	CCONJ
ejif-4913	315	6	m.	m.	NOUN
ejif-4913	315	7	radwan	radwan	NOUN
ejif-4913	315	8	,	,	PUNCT
ejif-4913	315	9	―social	―social	ADJ
ejif-4913	315	10	finance	finance	NOUN
ejif-4913	315	11	and	and	CCONJ
ejif-4913	315	12	unconventional	unconventional	ADJ
ejif-4913	315	13	financing	financing	NOUN
ejif-4913	315	14	alternatives	alternative	NOUN
ejif-4913	315	15	:	:	PUNCT
ejif-4913	315	16	an	an	DET
ejif-4913	315	17	overview,‖european	overview,‖european	ADJ
ejif-4913	315	18	journal	journal	NOUN
ejif-4913	315	19	of	of	ADP
ejif-4913	315	20	islamic	islamic	PROPN
ejif-4913	315	21	finance	finance	PROPN
ejif-4913	315	22	,	,	PUNCT
ejif-4913	315	23	(	(	PUNCT
ejif-4913	315	24	10	10	NUM
ejif-4913	315	25	)	)	PUNCT
ejif-4913	315	26	,	,	PUNCT
ejif-4913	315	27	2018	2018	NUM
ejif-4913	315	28	.	.	PUNCT
ejif-4913	316	1	[	[	X
ejif-4913	316	2	32	32	NUM
ejif-4913	316	3	]	]	PUNCT
ejif-4913	316	4	b.	b.	PROPN
ejif-4913	316	5	thorsten	thorsten	PROPN
ejif-4913	316	6	,	,	PUNCT
ejif-4913	316	7	a.	a.	PROPN
ejif-4913	316	8	demirgüç	demirgüç	PROPN
ejif-4913	316	9	-	-	PUNCT
ejif-4913	316	10	kunt	kunt	PROPN
ejif-4913	316	11	,	,	PUNCT
ejif-4913	316	12	and	and	CCONJ
ejif-4913	316	13	o.	o.	PROPN
ejif-4913	316	14	merrouche	merrouche	PROPN
ejif-4913	316	15	,	,	PUNCT
ejif-4913	316	16	―islamic	―islamic	PROPN
ejif-4913	316	17	vs.	vs.	ADP
ejif-4913	316	18	conventional	conventional	ADJ
ejif-4913	316	19	banking	banking	NOUN
ejif-4913	316	20	:	:	PUNCT
ejif-4913	316	21	business	business	NOUN
ejif-4913	316	22	model	model	NOUN
ejif-4913	316	23	,	,	PUNCT
ejif-4913	316	24	efficiency	efficiency	NOUN
ejif-4913	316	25	and	and	CCONJ
ejif-4913	316	26	stability,‖	stability,‖	PROPN
ejif-4913	316	27	policy	policy	NOUN
ejif-4913	316	28	research	research	NOUN
ejif-4913	316	29	working	work	VERB
ejif-4913	316	30	papers	paper	NOUN
ejif-4913	316	31	,	,	PUNCT
ejif-4913	316	32	the	the	DET
ejif-4913	316	33	world	world	PROPN
ejif-4913	316	34	bank	bank	PROPN
ejif-4913	316	35	,	,	PUNCT
ejif-4913	316	36	2010	2010	NUM
ejif-4913	316	37	.	.	PUNCT
ejif-4913	317	1	[	[	X
ejif-4913	317	2	33	33	NUM
ejif-4913	317	3	]	]	X
ejif-4913	317	4	h.	h.	PROPN
ejif-4913	317	5	orhan	orhan	PROPN
ejif-4913	317	6	,	,	PUNCT
ejif-4913	317	7	―business	―business	PROPN
ejif-4913	317	8	model	model	NOUN
ejif-4913	317	9	of	of	ADP
ejif-4913	317	10	islamic	islamic	ADJ
ejif-4913	317	11	banks	bank	NOUN
ejif-4913	317	12	in	in	ADP
ejif-4913	317	13	turkey,‖	turkey,‖	PROPN
ejif-4913	317	14	journal	journal	NOUN
ejif-4913	317	15	of	of	ADP
ejif-4913	317	16	islamic	islamic	PROPN
ejif-4913	317	17	accounting	accounting	PROPN
ejif-4913	317	18	and	and	CCONJ
ejif-4913	317	19	business	business	NOUN
ejif-4913	317	20	research	research	NOUN
ejif-4913	317	21	,	,	PUNCT
ejif-4913	317	22	vol	vol	NOUN
ejif-4913	317	23	.	.	PROPN
ejif-4913	317	24	9	9	NUM
ejif-4913	317	25	(	(	PUNCT
ejif-4913	317	26	3	3	NUM
ejif-4913	317	27	)	)	PUNCT
ejif-4913	317	28	,	,	PUNCT
ejif-4913	317	29	pp	pp	PROPN
ejif-4913	317	30	.	.	PUNCT
ejif-4913	318	1	290	290	NUM
ejif-4913	318	2	-	-	SYM
ejif-4913	318	3	307	307	NUM
ejif-4913	318	4	,	,	PUNCT
ejif-4913	318	5	2018	2018	NUM
ejif-4913	318	6	.	.	PUNCT
ejif-4913	319	1	[	[	X
ejif-4913	319	2	34	34	NUM
ejif-4913	319	3	]	]	X
ejif-4913	319	4	d.	d.	PROPN
ejif-4913	319	5	muljawan	muljawan	PROPN
ejif-4913	319	6	,	,	PUNCT
ejif-4913	319	7	h.	h.	PROPN
ejif-4913	319	8	dar	dar	PROPN
ejif-4913	319	9	,	,	PUNCT
ejif-4913	319	10	and	and	CCONJ
ejif-4913	319	11	m.	m.	NOUN
ejif-4913	319	12	hall	hall	PROPN
ejif-4913	319	13	,	,	PUNCT
ejif-4913	319	14	―a	―a	NOUN
ejif-4913	319	15	capital	capital	NOUN
ejif-4913	319	16	adequacy	adequacy	NOUN
ejif-4913	319	17	framework	framework	NOUN
ejif-4913	319	18	for	for	ADP
ejif-4913	319	19	islamic	islamic	ADJ
ejif-4913	319	20	banks	bank	NOUN
ejif-4913	319	21	 	 	SPACE
ejif-4913	319	22	:	:	PUNCT
ejif-4913	319	23	the	the	DET
ejif-4913	319	24	need	need	NOUN
ejif-4913	319	25	to	to	PART
ejif-4913	319	26	reconcile	reconcile	VERB
ejif-4913	319	27	depositors	depositor	NOUN
ejif-4913	319	28	’	’	PART
ejif-4913	319	29	risk	risk	NOUN
ejif-4913	319	30	aversion	aversion	NOUN
ejif-4913	319	31	with	with	ADP
ejif-4913	319	32	managers	manager	NOUN
ejif-4913	319	33	’	’	PART
ejif-4913	319	34	risk	risk	NOUN
ejif-4913	319	35	taking	taking	NOUN
ejif-4913	319	36	,	,	PUNCT
ejif-4913	319	37	‖	‖	PROPN
ejif-4913	319	38	applied	apply	VERB
ejif-4913	319	39	financial	financial	ADJ
ejif-4913	319	40	economics	economic	NOUN
ejif-4913	319	41	,	,	PUNCT
ejif-4913	319	42	vol	vol	NOUN
ejif-4913	319	43	.	.	PUNCT
ejif-4913	319	44	14(6	14(6	NOUN
ejif-4913	319	45	)	)	PUNCT
ejif-4913	319	46	,	,	PUNCT
ejif-4913	319	47	pp	pp	ADP
ejif-4913	319	48	.	.	PUNCT
ejif-4913	320	1	429	429	NUM
ejif-4913	320	2	-	-	SYM
ejif-4913	320	3	441	441	NUM
ejif-4913	320	4	,	,	PUNCT
ejif-4913	320	5	2004	2004	NUM
ejif-4913	320	6	.	.	PUNCT
ejif-4913	321	1	[	[	X
ejif-4913	321	2	35	35	NUM
ejif-4913	321	3	]	]	SYM
ejif-4913	321	4	rapport	rapport	NOUN
ejif-4913	321	5	2018	2018	NUM
ejif-4913	321	6	—	—	PUNCT
ejif-4913	321	7	banques	banque	VERB
ejif-4913	321	8	|	|	ADV
ejif-4913	321	9	transformers	transformer	NOUN
ejif-4913	321	10	awards	award	NOUN
ejif-4913	321	11	.	.	PUNCT
ejif-4913	322	1	[	[	X
ejif-4913	322	2	online	online	X
ejif-4913	322	3	]	]	X
ejif-4913	322	4	.	.	PUNCT
ejif-4913	323	1	available	available	ADJ
ejif-4913	323	2	:	:	PUNCT
ejif-4913	323	3	https://www.transformersawards.com/rapport2018	https://www.transformersawards.com/rapport2018	PROPN
ejif-4913	323	4	[	[	PUNCT
ejif-4913	323	5	accessed	access	VERB
ejif-4913	323	6	:	:	PUNCT
ejif-4913	323	7	30	30	NUM
ejif-4913	323	8	-	-	PUNCT
ejif-4913	323	9	june2020	june2020	NOUN
ejif-4913	323	10	]	]	PUNCT
ejif-4913	323	11	.	.	PUNCT
ejif-4913	324	1	[	[	X
ejif-4913	324	2	36	36	NUM
ejif-4913	324	3	]	]	X
ejif-4913	324	4	cibafi	cibafi	NOUN
ejif-4913	324	5	,	,	PUNCT
ejif-4913	324	6	―beyond	―beyond	NOUN
ejif-4913	324	7	digitalization	digitalization	NOUN
ejif-4913	324	8	:	:	PUNCT
ejif-4913	324	9	fintech	fintech	NOUN
ejif-4913	324	10	and	and	CCONJ
ejif-4913	324	11	customer	customer	NOUN
ejif-4913	324	12	experience,‖	experience,‖	PROPN
ejif-4913	324	13	global	global	ADJ
ejif-4913	324	14	islamic	islamic	PROPN
ejif-4913	324	15	bankers	bankers	PROPN
ejif-4913	324	16	’	'	PUNCT
ejif-4913	324	17	survey	survey	NOUN
ejif-4913	324	18	,	,	PUNCT
ejif-4913	324	19	2020	2020	NUM
ejif-4913	324	20	.	.	PUNCT
ejif-4913	325	1	[	[	X
ejif-4913	325	2	37	37	NUM
ejif-4913	325	3	]	]	X
ejif-4913	325	4	n.	n.	NOUN
ejif-4913	325	5	babel	babel	PROPN
ejif-4913	325	6	,	,	PUNCT
ejif-4913	325	7	―moroccan	―moroccan	ADJ
ejif-4913	325	8	retail	retail	ADJ
ejif-4913	325	9	banks	bank	NOUN
ejif-4913	325	10	digitalization	digitalization	VERB
ejif-4913	325	11	ranking,‖d	ranking,‖d	NOUN
ejif-4913	325	12	-	-	PUNCT
ejif-4913	325	13	rating	rating	NOUN
ejif-4913	325	14	,	,	PUNCT
ejif-4913	325	15	2018	2018	NUM
ejif-4913	325	16	.	.	PUNCT
ejif-4913	326	1	[	[	X
ejif-4913	326	2	online	online	X
ejif-4913	326	3	]	]	X
ejif-4913	326	4	.	.	PUNCT
ejif-4913	327	1	available	available	ADJ
ejif-4913	327	2	:	:	PUNCT
ejif-4913	328	1	https://www.d-rating.com/post/digitalmorocco-banks[accessed	https://www.d-rating.com/post/digitalmorocco-banks[accesse	VERB
ejif-4913	328	2	:	:	PUNCT
ejif-4913	328	3	13	13	NUM
ejif-4913	328	4	-	-	PUNCT
ejif-4913	328	5	jul-2020	jul-2020	NOUN
ejif-4913	328	6	]	]	PUNCT
ejif-4913	328	7	.	.	PUNCT
ejif-4913	329	1	[	[	X
ejif-4913	329	2	38	38	NUM
ejif-4913	329	3	]	]	PUNCT
ejif-4913	329	4	a.	a.	NOUN
ejif-4913	329	5	echchabi	echchabi	NOUN
ejif-4913	329	6	,	,	PUNCT
ejif-4913	329	7	―online	―online	ADP
ejif-4913	329	8	banking	banking	NOUN
ejif-4913	329	9	prospects	prospect	NOUN
ejif-4913	329	10	in	in	ADP
ejif-4913	329	11	morocco	morocco	PROPN
ejif-4913	329	12	:	:	PUNCT
ejif-4913	329	13	an	an	DET
ejif-4913	329	14	extension	extension	NOUN
ejif-4913	329	15	of	of	ADP
ejif-4913	329	16	technology	technology	NOUN
ejif-4913	329	17	acceptance	acceptance	NOUN
ejif-4913	329	18	model,‖	model,‖	PROPN
ejif-4913	329	19	journal	journal	NOUN
ejif-4913	329	20	of	of	ADP
ejif-4913	329	21	internet	internet	NOUN
ejif-4913	329	22	banking	banking	NOUN
ejif-4913	329	23	and	and	CCONJ
ejif-4913	329	24	commerce	commerce	PROPN
ejif-4913	329	25	,	,	PUNCT
ejif-4913	329	26	vol	vol	NOUN
ejif-4913	329	27	.	.	PROPN
ejif-4913	330	1	16	16	NUM
ejif-4913	330	2	(	(	PUNCT
ejif-4913	330	3	3	3	NUM
ejif-4913	330	4	)	)	PUNCT
ejif-4913	330	5	,	,	PUNCT
ejif-4913	330	6	pp.1	pp.1	NOUN
ejif-4913	330	7	-	-	PUNCT
ejif-4913	330	8	13	13	NUM
ejif-4913	330	9	,	,	PUNCT
ejif-4913	330	10	2011	2011	NUM
ejif-4913	330	11	.	.	PUNCT
ejif-4913	331	1	[	[	X
ejif-4913	331	2	39	39	NUM
ejif-4913	331	3	]	]	PUNCT
ejif-4913	331	4	a.	a.	NOUN
ejif-4913	331	5	echchabi	echchabi	NOUN
ejif-4913	331	6	,	,	PUNCT
ejif-4913	331	7	―e	―e	NOUN
ejif-4913	331	8	-	-	NOUN
ejif-4913	331	9	bankingacceptance	bankingacceptance	NOUN
ejif-4913	331	10	in	in	ADP
ejif-4913	331	11	thailand	thailand	PROPN
ejif-4913	331	12	:	:	PUNCT
ejif-4913	331	13	an	an	DET
ejif-4913	331	14	emphasis	emphasis	NOUN
ejif-4913	331	15	on	on	ADP
ejif-4913	331	16	islamic	islamic	ADJ
ejif-4913	331	17	banks	bank	NOUN
ejif-4913	331	18	'	'	PART
ejif-4913	331	19	customers,‖european	customers,‖european	ADJ
ejif-4913	331	20	journal	journal	NOUN
ejif-4913	331	21	of	of	ADP
ejif-4913	331	22	islamic	islamic	ADJ
ejif-4913	331	23	finance,(9	finance,(9	NOUN
ejif-4913	331	24	)	)	PUNCT
ejif-4913	331	25	,	,	PUNCT
ejif-4913	331	26	pp.1	pp.1	NOUN
ejif-4913	331	27	-	-	PUNCT
ejif-4913	331	28	4	4	NUM
ejif-4913	331	29	,	,	PUNCT
ejif-4913	331	30	2018	2018	NUM
ejif-4913	331	31	.	.	PUNCT
ejif-4913	332	1	[	[	X
ejif-4913	332	2	40	40	NUM
ejif-4913	332	3	]	]	PUNCT
ejif-4913	332	4	bam	bam	NOUN
ejif-4913	332	5	,	,	PUNCT
ejif-4913	332	6	―de	―de	ADJ
ejif-4913	332	7	nouvelles	nouvelle	NOUN
ejif-4913	332	8	dispositions	disposition	NOUN
ejif-4913	332	9	pour	pour	VERB
ejif-4913	332	10	les	les	X
ejif-4913	332	11	comptes	compte	NOUN
ejif-4913	333	1	à	à	X
ejif-4913	333	2	distance,‖	distance,‖	PROPN
ejif-4913	334	1	[	[	X
ejif-4913	334	2	online	online	NOUN
ejif-4913	334	3	]	]	X
ejif-4913	334	4	.	.	PUNCT
ejif-4913	335	1	available	available	ADJ
ejif-4913	335	2	:	:	PUNCT
ejif-4913	335	3	https://www.boursenews.ma/article/maroc/bam-de-nouvellesdispositions-pour-les-comptes-a-distance[accessed	https://www.boursenews.ma/article/maroc/bam-de-nouvellesdispositions-pour-les-comptes-a-distance[accesse	VERB
ejif-4913	335	4	:	:	PUNCT
ejif-4913	335	5	17	17	NUM
ejif-4913	335	6	-	-	PUNCT
ejif-4913	335	7	may-2020	may-2020	NOUN
ejif-4913	335	8	]	]	PUNCT
ejif-4913	335	9	.	.	PUNCT
ejif-4913	336	1	https://itu.foleon.com/itu/measuring-digital-development/internet-use/d	https://itu.foleon.com/itu/measuring-digital-development/internet-use/d	NOUN
ejif-4913	336	2	https://itu.foleon.com/itu/measuring-digital-development/internet-use/d	https://itu.foleon.com/itu/measuring-digital-development/internet-use/d	NOUN
ejif-4913	336	3	https://reports.valuates.com/market-reports/qyre-auto-4n473/global-digital-banking-market-size-status-and-forecast-2019-2025	https://reports.valuates.com/market-reports/qyre-auto-4n473/global-digital-banking-market-size-status-and-forecast-2019-2025	X
ejif-4913	336	4	https://reports.valuates.com/market-reports/qyre-auto-4n473/global-digital-banking-market-size-status-and-forecast-2019-2025	https://reports.valuates.com/market-reports/qyre-auto-4n473/global-digital-banking-market-size-status-and-forecast-2019-2025	NOUN
ejif-4913	336	5	https://reports.valuates.com/market-reports/qyre-auto-4n473/global-digital-banking-market-size-status-and-forecast-2019-2025	https://reports.valuates.com/market-reports/qyre-auto-4n473/global-digital-banking-market-size-status-and-forecast-2019-2025	NOUN
ejif-4913	336	6	file:///c:\users\dell\desktop\doctorat\articles%20ecrits\article%20covid-19\%0darlotto,%20jacques,%20jean	file:///c:\users\dell\desktop\doctorat\articles%20ecrits\article%20covid-19\%0darlotto,%20jacques,%20jean	ADJ
ejif-4913	336	7	-	-	PUNCT
ejif-4913	336	8	michel%20sahut,%20et%20fr	michel%20sahut,%20et%20fr	ADJ
ejif-4913	336	9	�	�	NOUN
ejif-4913	336	10	d	d	NOUN
ejif-4913	336	11	�	�	NOUN
ejif-4913	336	12	ric%20teulon.%202011a	ric%20teulon.%202011a	PROPN
ejif-4913	336	13	file:///c:\users\dell\desktop\doctorat\articles%20ecrits\article%20covid-19\%0darlotto,%20jacques,%20jean	file:///c:\users\dell\desktop\doctorat\articles%20ecrits\article%20covid-19\%0darlotto,%20jacques,%20jean	ADJ
ejif-4913	336	14	-	-	PUNCT
ejif-4913	336	15	michel%20sahut,%20et%20fr	michel%20sahut,%20et%20fr	ADJ
ejif-4913	336	16	�	�	NOUN
ejif-4913	336	17	d	d	NOUN
ejif-4913	336	18	�	�	NOUN
ejif-4913	336	19	ric%20teulon.%202011a	ric%20teulon.%202011a	PROPN
ejif-4913	336	20	https://www.moneythor.com/2020/07/30/digital-banking-101/	https://www.moneythor.com/2020/07/30/digital-banking-101/	NOUN
ejif-4913	336	21	https://www.transformersawards.com/rapport2018	https://www.transformersawards.com/rapport2018	PROPN
ejif-4913	336	22	https://www.d-rating.com/post/digital-morocco-banks	https://www.d-rating.com/post/digital-morocco-bank	NOUN
ejif-4913	336	23	https://www.d-rating.com/post/digital-morocco-banks	https://www.d-rating.com/post/digital-morocco-bank	VERB
ejif-4913	336	24	https://www.boursenews.ma/article/maroc/bam-de-nouvelles-dispositions-pour-les-comptes-a-distance	https://www.boursenews.ma/article/maroc/bam-de-nouvelles-dispositions-pour-les-comptes-a-distance	NOUN
ejif-4913	336	25	https://www.boursenews.ma/article/maroc/bam-de-nouvelles-dispositions-pour-les-comptes-a-distance	https://www.boursenews.ma/article/maroc/bam-de-nouvelles-dispositions-pour-les-comptes-a-distance	NOUN