id	sid	tid	token	lemma	pos
ejsice-4945	1	1	microsoft	microsoft	PROPN
ejsice-4945	1	2	word	word	NOUN
ejsice-4945	1	3	4	4	NUM
ejsice-4945	1	4	uddin	uddin	ADJ
ejsice-4945	1	5	edited.docx	edited.docx	NUM
ejsice-4945	1	6	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	1	7	european	european	PROPN
ejsice-4945	1	8	journal	journal	PROPN
ejsice-4945	1	9	of	of	ADP
ejsice-4945	1	10	social	social	ADJ
ejsice-4945	1	11	impact	impact	NOUN
ejsice-4945	1	12	and	and	CCONJ
ejsice-4945	1	13	circular	circular	ADJ
ejsice-4945	1	14	economy	economy	NOUN
ejsice-4945	1	15	issn	issn	NOUN
ejsice-4945	1	16	:	:	PUNCT
ejsice-4945	1	17	2704	2704	NUM
ejsice-4945	1	18	-	-	SYM
ejsice-4945	1	19	9906	9906	NUM
ejsice-4945	1	20	doi	doi	NOUN
ejsice-4945	1	21	:	:	PUNCT
ejsice-4945	1	22	10.13135/2704	10.13135/2704	NUM
ejsice-4945	1	23	-	-	SYM
ejsice-4945	1	24	9906/4945	9906/4945	NUM
ejsice-4945	1	25	published	publish	VERB
ejsice-4945	1	26	by	by	ADP
ejsice-4945	1	27	university	university	PROPN
ejsice-4945	1	28	of	of	ADP
ejsice-4945	1	29	turin	turin	PROPN
ejsice-4945	1	30	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	1	31	ejsice	ejsice	PROPN
ejsice-4945	1	32	content	content	NOUN
ejsice-4945	1	33	is	be	AUX
ejsice-4945	1	34	licensed	license	VERB
ejsice-4945	1	35	under	under	ADP
ejsice-4945	1	36	a	a	DET
ejsice-4945	1	37	creative	creative	ADJ
ejsice-4945	1	38	commons	common	NOUN
ejsice-4945	1	39	attribution	attribution	NOUN
ejsice-4945	1	40	4.0	4.0	NUM
ejsice-4945	1	41	international	international	ADJ
ejsice-4945	1	42	license	license	NOUN
ejsice-4945	1	43	76	76	NUM
ejsice-4945	1	44	how	how	SCONJ
ejsice-4945	1	45	the	the	DET
ejsice-4945	1	46	agent	agent	NOUN
ejsice-4945	1	47	-	-	PUNCT
ejsice-4945	1	48	based	base	VERB
ejsice-4945	1	49	banking	banking	NOUN
ejsice-4945	1	50	model	model	NOUN
ejsice-4945	1	51	might	might	AUX
ejsice-4945	1	52	facilitate	facilitate	VERB
ejsice-4945	1	53	financial	financial	ADJ
ejsice-4945	1	54	inclusion	inclusion	NOUN
ejsice-4945	1	55	and	and	CCONJ
ejsice-4945	1	56	sustainability	sustainability	NOUN
ejsice-4945	1	57	via	via	ADP
ejsice-4945	1	58	economic	economic	ADJ
ejsice-4945	1	59	circularity	circularity	NOUN
ejsice-4945	1	60	?	?	PUNCT
ejsice-4945	2	1	–	–	PUNCT
ejsice-4945	2	2	a	a	DET
ejsice-4945	2	3	bangladesh	bangladesh	NOUN
ejsice-4945	2	4	perspective	perspective	NOUN
ejsice-4945	2	5	mohammad	mohammad	PROPN
ejsice-4945	2	6	jalal	jalal	PROPN
ejsice-4945	2	7	uddin	uddin	PROPN
ejsice-4945	2	8	,	,	PUNCT
ejsice-4945	2	9	independent	independent	ADJ
ejsice-4945	2	10	researcher	researcher	NOUN
ejsice-4945	2	11	&	&	CCONJ
ejsice-4945	2	12	analyst	analyst	NOUN
ejsice-4945	2	13	,	,	PUNCT
ejsice-4945	2	14	chittagong	chittagong	PROPN
ejsice-4945	2	15	research	research	NOUN
ejsice-4945	2	16	group	group	PROPN
ejsice-4945	2	17	,	,	PUNCT
ejsice-4945	2	18	bangladesh	bangladesh	PROPN
ejsice-4945	2	19	.	.	PUNCT
ejsice-4945	3	1	email	email	NOUN
ejsice-4945	3	2	:	:	PUNCT
ejsice-4945	3	3	jalalsmailbox@gmail.com	jalalsmailbox@gmail.com	X
ejsice-4945	3	4	received	receive	VERB
ejsice-4945	3	5	:	:	PUNCT
ejsice-4945	3	6	05/08/2020	05/08/2020	NOUN
ejsice-4945	3	7	revised	revise	VERB
ejsice-4945	3	8	:	:	PUNCT
ejsice-4945	3	9	16/10/2020	16/10/2020	NUM
ejsice-4945	3	10	accepted	accept	VERB
ejsice-4945	3	11	for	for	ADP
ejsice-4945	3	12	publication	publication	NOUN
ejsice-4945	3	13	:	:	PUNCT
ejsice-4945	3	14	17/10/2020	17/10/2020	NUM
ejsice-4945	3	15	published	publish	VERB
ejsice-4945	3	16	:	:	PUNCT
ejsice-4945	3	17	26/10/2020	26/10/2020	NUM
ejsice-4945	3	18	abstract	abstract	ADJ
ejsice-4945	3	19	transformation	transformation	NOUN
ejsice-4945	3	20	of	of	ADP
ejsice-4945	3	21	business	business	NOUN
ejsice-4945	3	22	models	model	NOUN
ejsice-4945	3	23	with	with	ADP
ejsice-4945	3	24	the	the	DET
ejsice-4945	3	25	interaction	interaction	NOUN
ejsice-4945	3	26	of	of	ADP
ejsice-4945	3	27	technological	technological	ADJ
ejsice-4945	3	28	breakthrough	breakthrough	NOUN
ejsice-4945	3	29	,	,	PUNCT
ejsice-4945	3	30	innovation	innovation	NOUN
ejsice-4945	3	31	and	and	CCONJ
ejsice-4945	3	32	socio	socio	NOUN
ejsice-4945	3	33	-	-	PUNCT
ejsice-4945	3	34	economic	economic	ADJ
ejsice-4945	3	35	transition	transition	NOUN
ejsice-4945	3	36	are	be	AUX
ejsice-4945	3	37	historical	historical	ADJ
ejsice-4945	3	38	.	.	PUNCT
ejsice-4945	4	1	context	context	PROPN
ejsice-4945	4	2	based	base	VERB
ejsice-4945	4	3	adjustment	adjustment	NOUN
ejsice-4945	4	4	of	of	ADP
ejsice-4945	4	5	business	business	NOUN
ejsice-4945	4	6	value	value	NOUN
ejsice-4945	4	7	chain	chain	NOUN
ejsice-4945	4	8	also	also	ADV
ejsice-4945	4	9	not	not	PART
ejsice-4945	4	10	rare	rare	ADJ
ejsice-4945	4	11	.	.	PUNCT
ejsice-4945	5	1	in	in	ADP
ejsice-4945	5	2	fact	fact	NOUN
ejsice-4945	5	3	,	,	PUNCT
ejsice-4945	5	4	such	such	ADJ
ejsice-4945	5	5	adjustment	adjustment	NOUN
ejsice-4945	5	6	might	might	AUX
ejsice-4945	5	7	prove	prove	VERB
ejsice-4945	5	8	essential	essential	ADJ
ejsice-4945	5	9	to	to	PART
ejsice-4945	5	10	survive	survive	VERB
ejsice-4945	5	11	in	in	ADP
ejsice-4945	5	12	the	the	DET
ejsice-4945	5	13	market	market	NOUN
ejsice-4945	5	14	at	at	ADP
ejsice-4945	5	15	certain	certain	ADJ
ejsice-4945	5	16	point	point	NOUN
ejsice-4945	5	17	,	,	PUNCT
ejsice-4945	5	18	especially	especially	ADV
ejsice-4945	5	19	in	in	ADP
ejsice-4945	5	20	case	case	NOUN
ejsice-4945	5	21	of	of	ADP
ejsice-4945	5	22	corporate	corporate	ADJ
ejsice-4945	5	23	transformation	transformation	NOUN
ejsice-4945	5	24	due	due	ADP
ejsice-4945	5	25	to	to	ADP
ejsice-4945	5	26	economic	economic	ADJ
ejsice-4945	5	27	recession	recession	NOUN
ejsice-4945	5	28	/	/	SYM
ejsice-4945	5	29	depression	depression	NOUN
ejsice-4945	5	30	,	,	PUNCT
ejsice-4945	5	31	industry	industry	NOUN
ejsice-4945	5	32	downturn	downturn	NOUN
ejsice-4945	5	33	and	and	CCONJ
ejsice-4945	5	34	ecological	ecological	ADJ
ejsice-4945	5	35	correction	correction	NOUN
ejsice-4945	5	36	like	like	ADP
ejsice-4945	5	37	covid-19	covid-19	PROPN
ejsice-4945	5	38	.	.	PUNCT
ejsice-4945	6	1	however	however	ADV
ejsice-4945	6	2	,	,	PUNCT
ejsice-4945	6	3	some	some	DET
ejsice-4945	6	4	business	business	NOUN
ejsice-4945	6	5	models	model	NOUN
ejsice-4945	6	6	are	be	AUX
ejsice-4945	6	7	smart	smart	ADJ
ejsice-4945	6	8	enough	enough	ADV
ejsice-4945	6	9	to	to	PART
ejsice-4945	6	10	cope	cope	VERB
ejsice-4945	6	11	with	with	ADP
ejsice-4945	6	12	both	both	DET
ejsice-4945	6	13	kinds	kind	NOUN
ejsice-4945	6	14	of	of	ADP
ejsice-4945	6	15	transformations	transformation	NOUN
ejsice-4945	6	16	.	.	PUNCT
ejsice-4945	7	1	agentbased	agentbase	VERB
ejsice-4945	7	2	banking	banking	NOUN
ejsice-4945	7	3	model	model	NOUN
ejsice-4945	7	4	(	(	PUNCT
ejsice-4945	7	5	abm	abm	PROPN
ejsice-4945	7	6	)	)	PUNCT
ejsice-4945	7	7	is	be	AUX
ejsice-4945	7	8	one	one	NUM
ejsice-4945	7	9	of	of	ADP
ejsice-4945	7	10	such	such	ADJ
ejsice-4945	7	11	kind	kind	NOUN
ejsice-4945	7	12	,	,	PUNCT
ejsice-4945	7	13	which	which	PRON
ejsice-4945	7	14	not	not	PART
ejsice-4945	7	15	only	only	ADV
ejsice-4945	7	16	sustains	sustain	VERB
ejsice-4945	7	17	during	during	ADP
ejsice-4945	7	18	adverse	adverse	ADJ
ejsice-4945	7	19	situation	situation	NOUN
ejsice-4945	7	20	but	but	CCONJ
ejsice-4945	7	21	also	also	ADV
ejsice-4945	7	22	facilitates	facilitate	VERB
ejsice-4945	7	23	the	the	DET
ejsice-4945	7	24	momentum	momentum	NOUN
ejsice-4945	7	25	of	of	ADP
ejsice-4945	7	26	adversity	adversity	NOUN
ejsice-4945	7	27	.	.	PUNCT
ejsice-4945	8	1	this	this	PRON
ejsice-4945	8	2	ultimately	ultimately	ADV
ejsice-4945	8	3	defined	define	VERB
ejsice-4945	8	4	as	as	ADP
ejsice-4945	8	5	a	a	DET
ejsice-4945	8	6	sustainable	sustainable	ADJ
ejsice-4945	8	7	innovation	innovation	NOUN
ejsice-4945	8	8	in	in	ADP
ejsice-4945	8	9	banking	banking	NOUN
ejsice-4945	8	10	industry	industry	NOUN
ejsice-4945	8	11	that	that	PRON
ejsice-4945	8	12	drives	drive	VERB
ejsice-4945	8	13	via	via	ADP
ejsice-4945	8	14	circular	circular	ADJ
ejsice-4945	8	15	economy	economy	NOUN
ejsice-4945	8	16	.	.	PUNCT
ejsice-4945	9	1	the	the	DET
ejsice-4945	9	2	mode	mode	NOUN
ejsice-4945	9	3	of	of	ADP
ejsice-4945	9	4	circular	circular	ADJ
ejsice-4945	9	5	economy	economy	NOUN
ejsice-4945	9	6	in	in	ADP
ejsice-4945	9	7	product	product	NOUN
ejsice-4945	9	8	and	and	CCONJ
ejsice-4945	9	9	service	service	NOUN
ejsice-4945	9	10	level	level	NOUN
ejsice-4945	9	11	or	or	CCONJ
ejsice-4945	9	12	goods	good	NOUN
ejsice-4945	9	13	and	and	CCONJ
ejsice-4945	9	14	service	service	NOUN
ejsice-4945	9	15	industry	industry	NOUN
ejsice-4945	9	16	are	be	AUX
ejsice-4945	9	17	not	not	PART
ejsice-4945	9	18	identical	identical	ADJ
ejsice-4945	9	19	and	and	CCONJ
ejsice-4945	9	20	while	while	SCONJ
ejsice-4945	9	21	articulating	articulating	ADJ
ejsice-4945	9	22	circular	circular	ADJ
ejsice-4945	9	23	business	business	NOUN
ejsice-4945	9	24	model	model	NOUN
ejsice-4945	9	25	in	in	ADP
ejsice-4945	9	26	service	service	NOUN
ejsice-4945	9	27	industry	industry	NOUN
ejsice-4945	9	28	,	,	PUNCT
ejsice-4945	9	29	like	like	ADP
ejsice-4945	9	30	banking	banking	NOUN
ejsice-4945	9	31	,	,	PUNCT
ejsice-4945	9	32	then	then	ADV
ejsice-4945	9	33	it	it	PRON
ejsice-4945	9	34	denotes	denote	VERB
ejsice-4945	9	35	generating	generate	VERB
ejsice-4945	9	36	values	value	NOUN
ejsice-4945	9	37	for	for	ADP
ejsice-4945	9	38	broader	broad	ADJ
ejsice-4945	9	39	range	range	NOUN
ejsice-4945	9	40	of	of	ADP
ejsice-4945	9	41	stakeholders	stakeholder	NOUN
ejsice-4945	9	42	and	and	CCONJ
ejsice-4945	9	43	transmitting	transmit	VERB
ejsice-4945	9	44	this	this	DET
ejsice-4945	9	45	value	value	NOUN
ejsice-4945	9	46	in	in	ADP
ejsice-4945	9	47	such	such	DET
ejsice-4945	9	48	a	a	DET
ejsice-4945	9	49	way	way	NOUN
ejsice-4945	9	50	that	that	PRON
ejsice-4945	9	51	minimize	minimize	VERB
ejsice-4945	9	52	the	the	DET
ejsice-4945	9	53	ecological	ecological	ADJ
ejsice-4945	9	54	and	and	CCONJ
ejsice-4945	9	55	social	social	ADJ
ejsice-4945	9	56	costs	cost	NOUN
ejsice-4945	9	57	.	.	PUNCT
ejsice-4945	10	1	how	how	SCONJ
ejsice-4945	10	2	abm	abm	PROPN
ejsice-4945	10	3	might	might	AUX
ejsice-4945	10	4	help	help	VERB
ejsice-4945	10	5	the	the	DET
ejsice-4945	10	6	conventional	conventional	ADJ
ejsice-4945	10	7	banks	bank	NOUN
ejsice-4945	10	8	of	of	ADP
ejsice-4945	10	9	developing	develop	VERB
ejsice-4945	10	10	countries	country	NOUN
ejsice-4945	10	11	like	like	ADP
ejsice-4945	10	12	bangladesh	bangladesh	NOUN
ejsice-4945	10	13	toward	toward	ADP
ejsice-4945	10	14	the	the	DET
ejsice-4945	10	15	business	business	NOUN
ejsice-4945	10	16	model	model	NOUN
ejsice-4945	10	17	sustainability	sustainability	NOUN
ejsice-4945	10	18	,	,	PUNCT
ejsice-4945	10	19	is	be	AUX
ejsice-4945	10	20	the	the	DET
ejsice-4945	10	21	centre	centre	NOUN
ejsice-4945	10	22	of	of	ADP
ejsice-4945	10	23	this	this	DET
ejsice-4945	10	24	study	study	NOUN
ejsice-4945	10	25	.	.	PUNCT
ejsice-4945	11	1	consequently	consequently	ADV
ejsice-4945	11	2	,	,	PUNCT
ejsice-4945	11	3	this	this	DET
ejsice-4945	11	4	study	study	NOUN
ejsice-4945	11	5	found	find	VERB
ejsice-4945	11	6	that	that	SCONJ
ejsice-4945	11	7	abm	abm	PROPN
ejsice-4945	11	8	would	would	AUX
ejsice-4945	11	9	not	not	PART
ejsice-4945	11	10	only	only	ADV
ejsice-4945	11	11	assist	assist	VERB
ejsice-4945	11	12	to	to	PART
ejsice-4945	11	13	bring	bring	VERB
ejsice-4945	11	14	the	the	DET
ejsice-4945	11	15	world	world	NOUN
ejsice-4945	11	16	’s	’s	PART
ejsice-4945	11	17	1.7	1.7	NUM
ejsice-4945	11	18	billion	billion	NUM
ejsice-4945	11	19	unbanked	unbanked	ADJ
ejsice-4945	11	20	adult	adult	NOUN
ejsice-4945	11	21	community	community	NOUN
ejsice-4945	11	22	into	into	ADP
ejsice-4945	11	23	regulated	regulated	ADJ
ejsice-4945	11	24	financial	financial	ADJ
ejsice-4945	11	25	system	system	NOUN
ejsice-4945	11	26	but	but	CCONJ
ejsice-4945	11	27	also	also	ADV
ejsice-4945	11	28	facilitate	facilitate	VERB
ejsice-4945	11	29	the	the	DET
ejsice-4945	11	30	physically	physically	ADV
ejsice-4945	11	31	challenged	challenge	VERB
ejsice-4945	11	32	,	,	PUNCT
ejsice-4945	11	33	illiterate	illiterate	ADJ
ejsice-4945	11	34	&	&	CCONJ
ejsice-4945	11	35	marginal	marginal	ADJ
ejsice-4945	11	36	people	people	NOUN
ejsice-4945	11	37	on	on	ADP
ejsice-4945	11	38	financial	financial	ADJ
ejsice-4945	11	39	inclusion	inclusion	NOUN
ejsice-4945	11	40	and	and	CCONJ
ejsice-4945	11	41	pave	pave	VERB
ejsice-4945	11	42	the	the	DET
ejsice-4945	11	43	way	way	NOUN
ejsice-4945	11	44	of	of	ADP
ejsice-4945	11	45	global	global	ADJ
ejsice-4945	11	46	development	development	NOUN
ejsice-4945	11	47	in	in	ADP
ejsice-4945	11	48	a	a	DET
ejsice-4945	11	49	sustainable	sustainable	ADJ
ejsice-4945	11	50	manner	manner	NOUN
ejsice-4945	11	51	.	.	PUNCT
ejsice-4945	12	1	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	12	2	european	european	PROPN
ejsice-4945	12	3	journal	journal	PROPN
ejsice-4945	12	4	of	of	ADP
ejsice-4945	12	5	social	social	ADJ
ejsice-4945	12	6	impact	impact	NOUN
ejsice-4945	12	7	and	and	CCONJ
ejsice-4945	12	8	circular	circular	ADJ
ejsice-4945	12	9	economy	economy	NOUN
ejsice-4945	12	10	issn	issn	NOUN
ejsice-4945	12	11	:	:	PUNCT
ejsice-4945	12	12	2704	2704	NUM
ejsice-4945	12	13	-	-	SYM
ejsice-4945	12	14	9906	9906	NUM
ejsice-4945	12	15	doi	doi	NOUN
ejsice-4945	12	16	:	:	PUNCT
ejsice-4945	12	17	10.13135/2704	10.13135/2704	NUM
ejsice-4945	12	18	-	-	SYM
ejsice-4945	12	19	9906/4945	9906/4945	NUM
ejsice-4945	12	20	published	publish	VERB
ejsice-4945	12	21	by	by	ADP
ejsice-4945	12	22	university	university	PROPN
ejsice-4945	12	23	of	of	ADP
ejsice-4945	12	24	turin	turin	PROPN
ejsice-4945	12	25	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	12	26	ejsice	ejsice	PROPN
ejsice-4945	12	27	content	content	NOUN
ejsice-4945	12	28	is	be	AUX
ejsice-4945	12	29	licensed	license	VERB
ejsice-4945	12	30	under	under	ADP
ejsice-4945	12	31	a	a	DET
ejsice-4945	12	32	creative	creative	ADJ
ejsice-4945	12	33	commons	common	NOUN
ejsice-4945	12	34	attribution	attribution	NOUN
ejsice-4945	12	35	4.0	4.0	NUM
ejsice-4945	12	36	international	international	ADJ
ejsice-4945	12	37	license	license	NOUN
ejsice-4945	12	38	77	77	NUM
ejsice-4945	12	39	_	_	PUNCT
ejsice-4945	13	1	_	_	PUNCT
ejsice-4945	14	1	_	_	PUNCT
ejsice-4945	15	1	_	_	PUNCT
ejsice-4945	16	1	_	_	PUNCT
ejsice-4945	17	1	_	_	PUNCT
ejsice-4945	18	1	_	_	PUNCT
ejsice-4945	19	1	_	_	PUNCT
ejsice-4945	20	1	_	_	PUNCT
ejsice-4945	21	1	_	_	PUNCT
ejsice-4945	22	1	_	_	PUNCT
ejsice-4945	23	1	_	_	PUNCT
ejsice-4945	24	1	_	_	PUNCT
ejsice-4945	25	1	_	_	PUNCT
ejsice-4945	26	1	_	_	PUNCT
ejsice-4945	27	1	_	_	PUNCT
ejsice-4945	28	1	_	_	PUNCT
ejsice-4945	29	1	_	_	PUNCT
ejsice-4945	30	1	_	_	PUNCT
ejsice-4945	31	1	_	_	PUNCT
ejsice-4945	32	1	_	_	PUNCT
ejsice-4945	33	1	_	_	PUNCT
ejsice-4945	34	1	_	_	PUNCT
ejsice-4945	35	1	_	_	PUNCT
ejsice-4945	36	1	_	_	PUNCT
ejsice-4945	37	1	_	_	PUNCT
ejsice-4945	38	1	_	_	PUNCT
ejsice-4945	39	1	_	_	PUNCT
ejsice-4945	40	1	_	_	PUNCT
ejsice-4945	41	1	_	_	PUNCT
ejsice-4945	42	1	_	_	PUNCT
ejsice-4945	43	1	_	_	PUNCT
ejsice-4945	44	1	_	_	PUNCT
ejsice-4945	45	1	_	_	PUNCT
ejsice-4945	46	1	_	_	PUNCT
ejsice-4945	47	1	_	_	PUNCT
ejsice-4945	48	1	_	_	PUNCT
ejsice-4945	49	1	_	_	PUNCT
ejsice-4945	50	1	_	_	PUNCT
ejsice-4945	51	1	_	_	PUNCT
ejsice-4945	52	1	_	_	PUNCT
ejsice-4945	53	1	_	_	PUNCT
ejsice-4945	54	1	_	_	PUNCT
ejsice-4945	55	1	_	_	PUNCT
ejsice-4945	56	1	_	_	PUNCT
ejsice-4945	57	1	_	_	PUNCT
ejsice-4945	58	1	_	_	PUNCT
ejsice-4945	59	1	_	_	PUNCT
ejsice-4945	60	1	_	_	PUNCT
ejsice-4945	61	1	_	_	PUNCT
ejsice-4945	62	1	_	_	PUNCT
ejsice-4945	63	1	_	_	PUNCT
ejsice-4945	64	1	_	_	PUNCT
ejsice-4945	65	1	_	_	PUNCT
ejsice-4945	66	1	_	_	PUNCT
ejsice-4945	67	1	_	_	PUNCT
ejsice-4945	68	1	_	_	PUNCT
ejsice-4945	69	1	_	_	PUNCT
ejsice-4945	70	1	_	_	PUNCT
ejsice-4945	71	1	_	_	PUNCT
ejsice-4945	72	1	_	_	PUNCT
ejsice-4945	73	1	_	_	PUNCT
ejsice-4945	74	1	_	_	PUNCT
ejsice-4945	75	1	_	_	PUNCT
ejsice-4945	76	1	_	_	PUNCT
ejsice-4945	77	1	_	_	PUNCT
ejsice-4945	78	1	_	_	PUNCT
ejsice-4945	79	1	_	_	PUNCT
ejsice-4945	80	1	_	_	PUNCT
ejsice-4945	81	1	_	_	PUNCT
ejsice-4945	82	1	_	_	PUNCT
ejsice-4945	83	1	_	_	PUNCT
ejsice-4945	84	1	_	_	PUNCT
ejsice-4945	85	1	_	_	PUNCT
ejsice-4945	86	1	_	_	PUNCT
ejsice-4945	87	1	keywords	keyword	NOUN
ejsice-4945	87	2	:	:	PUNCT
ejsice-4945	87	3	agent	agent	NOUN
ejsice-4945	87	4	-	-	PUNCT
ejsice-4945	87	5	based	base	VERB
ejsice-4945	87	6	banking	banking	NOUN
ejsice-4945	87	7	model	model	NOUN
ejsice-4945	87	8	;	;	PUNCT
ejsice-4945	87	9	circular	circular	ADJ
ejsice-4945	87	10	economy	economy	NOUN
ejsice-4945	87	11	;	;	PUNCT
ejsice-4945	87	12	financial	financial	ADJ
ejsice-4945	87	13	inclusion	inclusion	NOUN
ejsice-4945	87	14	;	;	PUNCT
ejsice-4945	87	15	sustainability	sustainability	NOUN
ejsice-4945	87	16	;	;	PUNCT
ejsice-4945	87	17	transformation	transformation	NOUN
ejsice-4945	87	18	_	_	PUNCT
ejsice-4945	88	1	_	_	PUNCT
ejsice-4945	89	1	_	_	PUNCT
ejsice-4945	90	1	_	_	PUNCT
ejsice-4945	91	1	_	_	PUNCT
ejsice-4945	92	1	_	_	PUNCT
ejsice-4945	93	1	_	_	PUNCT
ejsice-4945	94	1	_	_	PUNCT
ejsice-4945	95	1	_	_	PUNCT
ejsice-4945	96	1	_	_	PUNCT
ejsice-4945	97	1	_	_	PUNCT
ejsice-4945	98	1	_	_	PUNCT
ejsice-4945	99	1	_	_	PUNCT
ejsice-4945	100	1	_	_	PUNCT
ejsice-4945	101	1	_	_	PUNCT
ejsice-4945	102	1	_	_	PUNCT
ejsice-4945	103	1	_	_	PUNCT
ejsice-4945	104	1	_	_	PUNCT
ejsice-4945	105	1	_	_	PUNCT
ejsice-4945	106	1	_	_	PUNCT
ejsice-4945	107	1	_	_	PUNCT
ejsice-4945	108	1	_	_	PUNCT
ejsice-4945	109	1	_	_	PUNCT
ejsice-4945	110	1	_	_	PUNCT
ejsice-4945	111	1	_	_	PUNCT
ejsice-4945	112	1	_	_	PUNCT
ejsice-4945	113	1	_	_	PUNCT
ejsice-4945	114	1	_	_	PUNCT
ejsice-4945	115	1	_	_	PUNCT
ejsice-4945	116	1	_	_	PUNCT
ejsice-4945	117	1	_	_	PUNCT
ejsice-4945	118	1	_	_	PUNCT
ejsice-4945	119	1	_	_	PUNCT
ejsice-4945	120	1	_	_	PUNCT
ejsice-4945	121	1	_	_	PUNCT
ejsice-4945	122	1	_	_	PUNCT
ejsice-4945	123	1	_	_	PUNCT
ejsice-4945	124	1	_	_	PUNCT
ejsice-4945	125	1	_	_	PUNCT
ejsice-4945	126	1	_	_	PUNCT
ejsice-4945	127	1	_	_	PUNCT
ejsice-4945	128	1	_	_	PUNCT
ejsice-4945	129	1	_	_	PUNCT
ejsice-4945	130	1	_	_	PUNCT
ejsice-4945	131	1	_	_	PUNCT
ejsice-4945	132	1	_	_	PUNCT
ejsice-4945	133	1	_	_	PUNCT
ejsice-4945	134	1	_	_	PUNCT
ejsice-4945	135	1	_	_	PUNCT
ejsice-4945	136	1	_	_	PUNCT
ejsice-4945	137	1	_	_	PUNCT
ejsice-4945	138	1	_	_	PUNCT
ejsice-4945	139	1	_	_	PUNCT
ejsice-4945	140	1	_	_	PUNCT
ejsice-4945	141	1	_	_	PUNCT
ejsice-4945	142	1	_	_	PUNCT
ejsice-4945	143	1	_	_	PUNCT
ejsice-4945	144	1	_	_	PUNCT
ejsice-4945	145	1	_	_	PUNCT
ejsice-4945	146	1	_	_	PUNCT
ejsice-4945	147	1	_	_	PUNCT
ejsice-4945	148	1	_	_	PUNCT
ejsice-4945	149	1	_	_	PUNCT
ejsice-4945	150	1	_	_	PUNCT
ejsice-4945	151	1	_	_	PUNCT
ejsice-4945	152	1	_	_	PUNCT
ejsice-4945	153	1	_	_	PUNCT
ejsice-4945	154	1	_	_	PUNCT
ejsice-4945	155	1	_	_	PUNCT
ejsice-4945	156	1	_	_	PUNCT
ejsice-4945	157	1	_	_	PUNCT
ejsice-4945	158	1	_	_	PUNCT
ejsice-4945	159	1	_	_	PUNCT
ejsice-4945	160	1	_	_	PUNCT
ejsice-4945	161	1	_	_	PUNCT
ejsice-4945	162	1	1	1	X
ejsice-4945	162	2	.	.	X
ejsice-4945	162	3	introduction	introduction	NOUN
ejsice-4945	162	4	in	in	ADP
ejsice-4945	162	5	this	this	DET
ejsice-4945	162	6	dynamic	dynamic	ADJ
ejsice-4945	162	7	world	world	NOUN
ejsice-4945	162	8	,	,	PUNCT
ejsice-4945	162	9	transformation	transformation	NOUN
ejsice-4945	162	10	of	of	ADP
ejsice-4945	162	11	business	business	NOUN
ejsice-4945	162	12	processes	process	NOUN
ejsice-4945	162	13	to	to	PART
ejsice-4945	162	14	behave	behave	VERB
ejsice-4945	162	15	in	in	ADP
ejsice-4945	162	16	a	a	DET
ejsice-4945	162	17	sustainable	sustainable	ADJ
ejsice-4945	162	18	manner	manner	NOUN
ejsice-4945	162	19	is	be	AUX
ejsice-4945	162	20	becoming	become	VERB
ejsice-4945	162	21	inevitable	inevitable	ADJ
ejsice-4945	162	22	as	as	SCONJ
ejsice-4945	162	23	the	the	DET
ejsice-4945	162	24	business	business	NOUN
ejsice-4945	162	25	entities	entity	NOUN
ejsice-4945	162	26	are	be	AUX
ejsice-4945	162	27	no	no	ADV
ejsice-4945	162	28	longer	long	ADV
ejsice-4945	162	29	an	an	DET
ejsice-4945	162	30	isolated	isolated	ADJ
ejsice-4945	162	31	part	part	NOUN
ejsice-4945	162	32	of	of	ADP
ejsice-4945	162	33	economic	economic	ADJ
ejsice-4945	162	34	,	,	PUNCT
ejsice-4945	162	35	social	social	ADJ
ejsice-4945	162	36	and	and	CCONJ
ejsice-4945	162	37	environmental	environmental	ADJ
ejsice-4945	162	38	ecosystem	ecosystem	NOUN
ejsice-4945	162	39	(	(	PUNCT
ejsice-4945	162	40	bermúdez	bermúdez	PROPN
ejsice-4945	162	41	and	and	CCONJ
ejsice-4945	162	42	schneider	schneider	NOUN
ejsice-4945	162	43	,	,	PUNCT
ejsice-4945	162	44	2018	2018	NUM
ejsice-4945	162	45	)	)	PUNCT
ejsice-4945	162	46	.	.	PUNCT
ejsice-4945	163	1	therefore	therefore	ADV
ejsice-4945	163	2	,	,	PUNCT
ejsice-4945	163	3	converting	convert	VERB
ejsice-4945	163	4	traditional	traditional	ADJ
ejsice-4945	163	5	business	business	NOUN
ejsice-4945	163	6	model	model	NOUN
ejsice-4945	163	7	into	into	ADP
ejsice-4945	163	8	circular	circular	ADJ
ejsice-4945	163	9	one	one	NUM
ejsice-4945	163	10	is	be	AUX
ejsice-4945	163	11	now	now	ADV
ejsice-4945	163	12	trending	trend	VERB
ejsice-4945	163	13	.	.	PUNCT
ejsice-4945	164	1	what	what	PRON
ejsice-4945	164	2	is	be	AUX
ejsice-4945	164	3	circular	circular	ADJ
ejsice-4945	164	4	business	business	NOUN
ejsice-4945	164	5	model	model	NOUN
ejsice-4945	164	6	?	?	PUNCT
ejsice-4945	165	1	the	the	DET
ejsice-4945	165	2	essence	essence	NOUN
ejsice-4945	165	3	of	of	ADP
ejsice-4945	165	4	circular	circular	ADJ
ejsice-4945	165	5	business	business	NOUN
ejsice-4945	165	6	model	model	NOUN
ejsice-4945	165	7	lies	lie	VERB
ejsice-4945	165	8	on	on	ADP
ejsice-4945	165	9	the	the	DET
ejsice-4945	165	10	circular	circular	ADJ
ejsice-4945	165	11	economy	economy	NOUN
ejsice-4945	165	12	.	.	PUNCT
ejsice-4945	166	1	according	accord	VERB
ejsice-4945	166	2	to	to	ADP
ejsice-4945	166	3	ellen	ellen	PROPN
ejsice-4945	166	4	macarthur	macarthur	PROPN
ejsice-4945	166	5	foundation	foundation	PROPN
ejsice-4945	166	6	,	,	PUNCT
ejsice-4945	166	7	“	"	PUNCT
ejsice-4945	166	8	circular	circular	ADJ
ejsice-4945	166	9	economy	economy	NOUN
ejsice-4945	166	10	focus	focus	VERB
ejsice-4945	166	11	on	on	ADP
ejsice-4945	166	12	resource	resource	NOUN
ejsice-4945	166	13	use	use	NOUN
ejsice-4945	166	14	often	often	ADV
ejsice-4945	166	15	follow	follow	VERB
ejsice-4945	166	16	the	the	DET
ejsice-4945	166	17	3	3	NUM
ejsice-4945	166	18	-	-	PUNCT
ejsice-4945	166	19	r	r	NOUN
ejsice-4945	166	20	approaches	approach	NOUN
ejsice-4945	166	21	,	,	PUNCT
ejsice-4945	166	22	(	(	PUNCT
ejsice-4945	166	23	a	a	X
ejsice-4945	166	24	)	)	PUNCT
ejsice-4945	166	25	reduce	reduce	VERB
ejsice-4945	166	26	–	–	PUNCT
ejsice-4945	166	27	minimum	minimum	ADJ
ejsice-4945	166	28	use	use	NOUN
ejsice-4945	166	29	of	of	ADP
ejsice-4945	166	30	raw	raw	ADJ
ejsice-4945	166	31	materials	material	NOUN
ejsice-4945	166	32	,	,	PUNCT
ejsice-4945	166	33	(	(	PUNCT
ejsice-4945	166	34	b	b	NOUN
ejsice-4945	166	35	)	)	PUNCT
ejsice-4945	166	36	reuse	reuse	NOUN
ejsice-4945	166	37	–	–	PUNCT
ejsice-4945	166	38	maximum	maximum	ADJ
ejsice-4945	166	39	reuse	reuse	NOUN
ejsice-4945	166	40	of	of	ADP
ejsice-4945	166	41	products	product	NOUN
ejsice-4945	166	42	/	/	SYM
ejsice-4945	166	43	components	component	NOUN
ejsice-4945	166	44	and	and	CCONJ
ejsice-4945	166	45	(	(	PUNCT
ejsice-4945	166	46	c	c	NOUN
ejsice-4945	166	47	)	)	PUNCT
ejsice-4945	166	48	recycle	recycle	NOUN
ejsice-4945	166	49	–	–	PUNCT
ejsice-4945	166	50	high	high	ADJ
ejsice-4945	166	51	quality	quality	NOUN
ejsice-4945	166	52	reuse	reuse	NOUN
ejsice-4945	166	53	of	of	ADP
ejsice-4945	166	54	raw	raw	ADJ
ejsice-4945	166	55	materials	material	NOUN
ejsice-4945	166	56	”	"	PUNCT
ejsice-4945	166	57	.	.	PUNCT
ejsice-4945	167	1	adoption	adoption	NOUN
ejsice-4945	167	2	or	or	CCONJ
ejsice-4945	167	3	conversion	conversion	NOUN
ejsice-4945	167	4	into	into	ADP
ejsice-4945	167	5	circular	circular	ADJ
ejsice-4945	167	6	model	model	NOUN
ejsice-4945	167	7	rapidly	rapidly	ADV
ejsice-4945	167	8	gaining	gain	VERB
ejsice-4945	167	9	importance	importance	NOUN
ejsice-4945	167	10	among	among	ADP
ejsice-4945	167	11	business	business	NOUN
ejsice-4945	167	12	acumen	acuman	NOUN
ejsice-4945	167	13	as	as	ADP
ejsice-4945	167	14	scientists	scientist	NOUN
ejsice-4945	167	15	/	/	SYM
ejsice-4945	167	16	researchers	researcher	NOUN
ejsice-4945	167	17	have	have	AUX
ejsice-4945	167	18	made	make	VERB
ejsice-4945	167	19	significant	significant	ADJ
ejsice-4945	167	20	progress	progress	NOUN
ejsice-4945	167	21	on	on	ADP
ejsice-4945	167	22	pricing	price	VERB
ejsice-4945	167	23	the	the	DET
ejsice-4945	167	24	externalities	externality	NOUN
ejsice-4945	167	25	(	(	PUNCT
ejsice-4945	167	26	andersen	andersen	PROPN
ejsice-4945	167	27	,	,	PUNCT
ejsice-4945	167	28	2007	2007	NUM
ejsice-4945	167	29	)	)	PUNCT
ejsice-4945	167	30	,	,	PUNCT
ejsice-4945	167	31	which	which	PRON
ejsice-4945	167	32	will	will	AUX
ejsice-4945	167	33	apply	apply	VERB
ejsice-4945	167	34	over	over	ADP
ejsice-4945	167	35	the	the	DET
ejsice-4945	167	36	corporate	corporate	ADJ
ejsice-4945	167	37	actions	action	NOUN
ejsice-4945	167	38	.	.	PUNCT
ejsice-4945	168	1	embracing	embrace	VERB
ejsice-4945	168	2	the	the	DET
ejsice-4945	168	3	concept	concept	NOUN
ejsice-4945	168	4	of	of	ADP
ejsice-4945	168	5	circular	circular	ADJ
ejsice-4945	168	6	economy	economy	NOUN
ejsice-4945	168	7	as	as	ADP
ejsice-4945	168	8	the	the	DET
ejsice-4945	168	9	driver	driver	NOUN
ejsice-4945	168	10	for	for	ADP
ejsice-4945	168	11	sustainability	sustainability	NOUN
ejsice-4945	168	12	(	(	PUNCT
ejsice-4945	168	13	bocken	bocken	VERB
ejsice-4945	168	14	et	et	PROPN
ejsice-4945	168	15	al	al	PROPN
ejsice-4945	168	16	.	.	PROPN
ejsice-4945	168	17	,	,	PUNCT
ejsice-4945	168	18	2018	2018	NUM
ejsice-4945	168	19	)	)	PUNCT
ejsice-4945	168	20	could	could	AUX
ejsice-4945	168	21	facilitate	facilitate	VERB
ejsice-4945	168	22	this	this	DET
ejsice-4945	168	23	transformation	transformation	NOUN
ejsice-4945	168	24	.	.	PUNCT
ejsice-4945	169	1	even	even	ADV
ejsice-4945	169	2	though	though	SCONJ
ejsice-4945	169	3	businesses	business	NOUN
ejsice-4945	169	4	dealing	deal	VERB
ejsice-4945	169	5	with	with	ADP
ejsice-4945	169	6	commodity	commodity	NOUN
ejsice-4945	169	7	market	market	NOUN
ejsice-4945	169	8	counting	count	VERB
ejsice-4945	169	9	the	the	DET
ejsice-4945	169	10	adoption	adoption	NOUN
ejsice-4945	169	11	of	of	ADP
ejsice-4945	169	12	circular	circular	ADJ
ejsice-4945	169	13	business	business	NOUN
ejsice-4945	169	14	model	model	NOUN
ejsice-4945	169	15	as	as	ADP
ejsice-4945	169	16	challenging	challenging	ADJ
ejsice-4945	169	17	,	,	PUNCT
ejsice-4945	169	18	from	from	ADP
ejsice-4945	169	19	environmental	environmental	ADJ
ejsice-4945	169	20	and	and	CCONJ
ejsice-4945	169	21	policy	policy	NOUN
ejsice-4945	169	22	perspectives	perspective	NOUN
ejsice-4945	169	23	.	.	PUNCT
ejsice-4945	170	1	korhonen	korhonen	NOUN
ejsice-4945	170	2	et	et	PROPN
ejsice-4945	170	3	al	al	PROPN
ejsice-4945	170	4	.	.	PROPN
ejsice-4945	171	1	(	(	PUNCT
ejsice-4945	171	2	2018	2018	NUM
ejsice-4945	171	3	)	)	PUNCT
ejsice-4945	171	4	found	find	VERB
ejsice-4945	171	5	circular	circular	ADJ
ejsice-4945	171	6	economy	economy	NOUN
ejsice-4945	171	7	as	as	ADP
ejsice-4945	171	8	vague	vague	ADJ
ejsice-4945	171	9	and	and	CCONJ
ejsice-4945	171	10	unorganized	unorganized	ADJ
ejsice-4945	171	11	concept	concept	NOUN
ejsice-4945	171	12	due	due	ADP
ejsice-4945	171	13	its	its	PRON
ejsice-4945	171	14	undefined	undefined	ADJ
ejsice-4945	171	15	application	application	NOUN
ejsice-4945	171	16	in	in	ADP
ejsice-4945	171	17	specific	specific	ADJ
ejsice-4945	171	18	field	field	NOUN
ejsice-4945	171	19	and	and	CCONJ
ejsice-4945	171	20	there	there	PRON
ejsice-4945	171	21	is	be	VERB
ejsice-4945	171	22	an	an	DET
ejsice-4945	171	23	ambiguity	ambiguity	NOUN
ejsice-4945	171	24	at	at	ADP
ejsice-4945	171	25	the	the	DET
ejsice-4945	171	26	tangent	tangent	ADJ
ejsice-4945	171	27	point	point	NOUN
ejsice-4945	171	28	between	between	ADP
ejsice-4945	171	29	circular	circular	ADJ
ejsice-4945	171	30	economy	economy	NOUN
ejsice-4945	171	31	and	and	CCONJ
ejsice-4945	171	32	sustainability	sustainability	NOUN
ejsice-4945	171	33	(	(	PUNCT
ejsice-4945	171	34	geissdoerfer	geissdoerfer	NOUN
ejsice-4945	171	35	et	et	PROPN
ejsice-4945	171	36	al	al	PROPN
ejsice-4945	171	37	.	.	PROPN
ejsice-4945	171	38	,	,	PUNCT
ejsice-4945	171	39	2017	2017	NUM
ejsice-4945	171	40	)	)	PUNCT
ejsice-4945	171	41	.	.	PUNCT
ejsice-4945	172	1	investopedia	investopedia	PROPN
ejsice-4945	172	2	defined	define	VERB
ejsice-4945	172	3	sustainability	sustainability	NOUN
ejsice-4945	172	4	as	as	ADP
ejsice-4945	172	5	“	"	PUNCT
ejsice-4945	172	6	focusing	focus	VERB
ejsice-4945	172	7	on	on	ADP
ejsice-4945	172	8	meeting	meet	VERB
ejsice-4945	172	9	the	the	DET
ejsice-4945	172	10	needs	need	NOUN
ejsice-4945	172	11	of	of	ADP
ejsice-4945	172	12	the	the	DET
ejsice-4945	172	13	present	present	NOUN
ejsice-4945	172	14	without	without	ADP
ejsice-4945	172	15	compromising	compromise	VERB
ejsice-4945	172	16	the	the	DET
ejsice-4945	172	17	ability	ability	NOUN
ejsice-4945	172	18	of	of	ADP
ejsice-4945	172	19	future	future	ADJ
ejsice-4945	172	20	generations	generation	NOUN
ejsice-4945	172	21	to	to	PART
ejsice-4945	172	22	meet	meet	VERB
ejsice-4945	172	23	their	their	PRON
ejsice-4945	172	24	needs	need	NOUN
ejsice-4945	172	25	”	"	PUNCT
ejsice-4945	172	26	.	.	PUNCT
ejsice-4945	173	1	until	until	ADP
ejsice-4945	173	2	now	now	ADV
ejsice-4945	173	3	,	,	PUNCT
ejsice-4945	173	4	circular	circular	ADJ
ejsice-4945	173	5	business	business	NOUN
ejsice-4945	173	6	model	model	NOUN
ejsice-4945	173	7	in	in	ADP
ejsice-4945	173	8	service	service	NOUN
ejsice-4945	173	9	industries	industry	NOUN
ejsice-4945	173	10	might	might	AUX
ejsice-4945	173	11	be	be	AUX
ejsice-4945	173	12	the	the	DET
ejsice-4945	173	13	most	most	ADV
ejsice-4945	173	14	neglected	neglect	VERB
ejsice-4945	173	15	part	part	NOUN
ejsice-4945	173	16	of	of	ADP
ejsice-4945	173	17	the	the	DET
ejsice-4945	173	18	circular	circular	ADJ
ejsice-4945	173	19	economy	economy	NOUN
ejsice-4945	173	20	.	.	PUNCT
ejsice-4945	174	1	we	we	PRON
ejsice-4945	174	2	should	should	AUX
ejsice-4945	174	3	not	not	PART
ejsice-4945	174	4	confuse	confuse	VERB
ejsice-4945	174	5	the	the	DET
ejsice-4945	174	6	service	service	NOUN
ejsice-4945	174	7	of	of	ADP
ejsice-4945	174	8	a	a	DET
ejsice-4945	174	9	product	product	NOUN
ejsice-4945	174	10	by	by	ADP
ejsice-4945	174	11	counting	count	VERB
ejsice-4945	174	12	as	as	ADP
ejsice-4945	174	13	service	service	NOUN
ejsice-4945	174	14	level	level	NOUN
ejsice-4945	174	15	circular	circular	ADJ
ejsice-4945	174	16	economy	economy	NOUN
ejsice-4945	174	17	like	like	ADP
ejsice-4945	174	18	buying	buy	VERB
ejsice-4945	174	19	the	the	DET
ejsice-4945	174	20	lifetime	lifetime	NOUN
ejsice-4945	174	21	or	or	CCONJ
ejsice-4945	174	22	service	service	NOUN
ejsice-4945	174	23	hours	hour	NOUN
ejsice-4945	174	24	of	of	ADP
ejsice-4945	174	25	a	a	DET
ejsice-4945	174	26	‘	'	PUNCT
ejsice-4945	174	27	refrigerator	refrigerator	NOUN
ejsice-4945	174	28	’	'	PUNCT
ejsice-4945	174	29	not	not	PART
ejsice-4945	174	30	the	the	DET
ejsice-4945	174	31	‘	'	PUNCT
ejsice-4945	174	32	refrigerator	refrigerator	NOUN
ejsice-4945	174	33	’	'	PUNCT
ejsice-4945	174	34	itself	itself	PRON
ejsice-4945	174	35	.	.	PUNCT
ejsice-4945	175	1	however	however	ADV
ejsice-4945	175	2	,	,	PUNCT
ejsice-4945	175	3	incorporating	incorporate	VERB
ejsice-4945	175	4	this	this	DET
ejsice-4945	175	5	concept	concept	NOUN
ejsice-4945	175	6	into	into	ADP
ejsice-4945	175	7	service	service	NOUN
ejsice-4945	175	8	industries	industry	NOUN
ejsice-4945	175	9	like	like	ADP
ejsice-4945	175	10	banking	banking	NOUN
ejsice-4945	175	11	,	,	PUNCT
ejsice-4945	175	12	insurance	insurance	NOUN
ejsice-4945	175	13	etc	etc	X
ejsice-4945	175	14	.	.	X
ejsice-4945	175	15	might	might	AUX
ejsice-4945	175	16	be	be	AUX
ejsice-4945	175	17	vastly	vastly	ADV
ejsice-4945	175	18	beneficiary	beneficiary	ADJ
ejsice-4945	175	19	for	for	ADP
ejsice-4945	175	20	the	the	DET
ejsice-4945	175	21	society	society	NOUN
ejsice-4945	175	22	and	and	CCONJ
ejsice-4945	175	23	economy	economy	NOUN
ejsice-4945	175	24	at	at	ADP
ejsice-4945	175	25	large	large	ADJ
ejsice-4945	175	26	.	.	PUNCT
ejsice-4945	176	1	it	it	PRON
ejsice-4945	176	2	will	will	AUX
ejsice-4945	176	3	enable	enable	VERB
ejsice-4945	176	4	the	the	DET
ejsice-4945	176	5	service	service	NOUN
ejsice-4945	176	6	providers	provider	NOUN
ejsice-4945	176	7	to	to	PART
ejsice-4945	176	8	cover	cover	VERB
ejsice-4945	176	9	broader	broad	ADJ
ejsice-4945	176	10	range	range	NOUN
ejsice-4945	176	11	of	of	ADP
ejsice-4945	176	12	populations	population	NOUN
ejsice-4945	176	13	under	under	ADP
ejsice-4945	176	14	respective	respective	ADJ
ejsice-4945	176	15	service	service	NOUN
ejsice-4945	176	16	network	network	NOUN
ejsice-4945	176	17	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	176	18	european	european	PROPN
ejsice-4945	176	19	journal	journal	PROPN
ejsice-4945	176	20	of	of	ADP
ejsice-4945	176	21	social	social	ADJ
ejsice-4945	176	22	impact	impact	NOUN
ejsice-4945	176	23	and	and	CCONJ
ejsice-4945	176	24	circular	circular	ADJ
ejsice-4945	176	25	economy	economy	NOUN
ejsice-4945	176	26	issn	issn	NOUN
ejsice-4945	176	27	:	:	PUNCT
ejsice-4945	176	28	2704	2704	NUM
ejsice-4945	176	29	-	-	SYM
ejsice-4945	176	30	9906	9906	NUM
ejsice-4945	176	31	doi	doi	NOUN
ejsice-4945	176	32	:	:	PUNCT
ejsice-4945	176	33	10.13135/2704	10.13135/2704	NUM
ejsice-4945	176	34	-	-	SYM
ejsice-4945	176	35	9906/4945	9906/4945	NUM
ejsice-4945	176	36	published	publish	VERB
ejsice-4945	176	37	by	by	ADP
ejsice-4945	176	38	university	university	PROPN
ejsice-4945	176	39	of	of	ADP
ejsice-4945	176	40	turin	turin	PROPN
ejsice-4945	176	41	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	176	42	ejsice	ejsice	PROPN
ejsice-4945	176	43	content	content	NOUN
ejsice-4945	176	44	is	be	AUX
ejsice-4945	176	45	licensed	license	VERB
ejsice-4945	176	46	under	under	ADP
ejsice-4945	176	47	a	a	DET
ejsice-4945	176	48	creative	creative	ADJ
ejsice-4945	176	49	commons	common	NOUN
ejsice-4945	176	50	attribution	attribution	NOUN
ejsice-4945	176	51	4.0	4.0	NUM
ejsice-4945	176	52	international	international	ADJ
ejsice-4945	176	53	license	license	NOUN
ejsice-4945	176	54	78	78	NUM
ejsice-4945	176	55	with	with	ADP
ejsice-4945	176	56	minimum	minimum	ADJ
ejsice-4945	176	57	ecological	ecological	ADJ
ejsice-4945	176	58	and	and	CCONJ
ejsice-4945	176	59	social	social	ADJ
ejsice-4945	176	60	cost	cost	NOUN
ejsice-4945	176	61	.	.	PUNCT
ejsice-4945	177	1	among	among	ADP
ejsice-4945	177	2	the	the	DET
ejsice-4945	177	3	service	service	NOUN
ejsice-4945	177	4	industries	industry	NOUN
ejsice-4945	177	5	,	,	PUNCT
ejsice-4945	177	6	financial	financial	ADJ
ejsice-4945	177	7	or	or	CCONJ
ejsice-4945	177	8	banking	banking	NOUN
ejsice-4945	177	9	industry	industry	NOUN
ejsice-4945	177	10	is	be	AUX
ejsice-4945	177	11	the	the	DET
ejsice-4945	177	12	strategic	strategic	ADJ
ejsice-4945	177	13	one	one	NOUN
ejsice-4945	177	14	,	,	PUNCT
ejsice-4945	177	15	which	which	PRON
ejsice-4945	177	16	is	be	AUX
ejsice-4945	177	17	in	in	ADP
ejsice-4945	177	18	acute	acute	ADJ
ejsice-4945	177	19	sustainability	sustainability	NOUN
ejsice-4945	177	20	pressure	pressure	NOUN
ejsice-4945	177	21	(	(	PUNCT
ejsice-4945	177	22	bocken	bocken	VERB
ejsice-4945	177	23	et	et	PROPN
ejsice-4945	177	24	al	al	PROPN
ejsice-4945	177	25	.	.	PROPN
ejsice-4945	177	26	,	,	PUNCT
ejsice-4945	177	27	2016	2016	NUM
ejsice-4945	177	28	)	)	PUNCT
ejsice-4945	177	29	.	.	PUNCT
ejsice-4945	178	1	this	this	PRON
ejsice-4945	178	2	is	be	AUX
ejsice-4945	178	3	due	due	ADJ
ejsice-4945	178	4	to	to	ADP
ejsice-4945	178	5	high	high	ADJ
ejsice-4945	178	6	correlation	correlation	NOUN
ejsice-4945	178	7	of	of	ADP
ejsice-4945	178	8	banking	banking	NOUN
ejsice-4945	178	9	industry	industry	NOUN
ejsice-4945	178	10	with	with	ADP
ejsice-4945	178	11	macroeconomics	macroeconomic	NOUN
ejsice-4945	178	12	(	(	PUNCT
ejsice-4945	178	13	athanasoglou	athanasoglou	PROPN
ejsice-4945	178	14	et	et	PROPN
ejsice-4945	178	15	al	al	PROPN
ejsice-4945	178	16	.	.	PROPN
ejsice-4945	178	17	,	,	PUNCT
ejsice-4945	178	18	2008	2008	NUM
ejsice-4945	178	19	;	;	PUNCT
ejsice-4945	178	20	drake	drake	VERB
ejsice-4945	178	21	et	et	PROPN
ejsice-4945	178	22	al	al	PROPN
ejsice-4945	178	23	.	.	PROPN
ejsice-4945	178	24	,	,	PUNCT
ejsice-4945	178	25	2006	2006	NUM
ejsice-4945	178	26	)	)	PUNCT
ejsice-4945	178	27	,	,	PUNCT
ejsice-4945	178	28	geo	geo	PROPN
ejsice-4945	178	29	-	-	ADJ
ejsice-4945	178	30	political	political	ADJ
ejsice-4945	178	31	incidents	incident	NOUN
ejsice-4945	178	32	and	and	CCONJ
ejsice-4945	178	33	other	other	ADJ
ejsice-4945	178	34	sensible	sensible	ADJ
ejsice-4945	178	35	issues	issue	NOUN
ejsice-4945	178	36	like	like	ADP
ejsice-4945	178	37	pandemic	pandemic	ADJ
ejsice-4945	178	38	.	.	PUNCT
ejsice-4945	179	1	incorporating	incorporate	VERB
ejsice-4945	179	2	the	the	DET
ejsice-4945	179	3	concept	concept	NOUN
ejsice-4945	179	4	of	of	ADP
ejsice-4945	179	5	circular	circular	ADJ
ejsice-4945	179	6	economy	economy	NOUN
ejsice-4945	179	7	within	within	ADP
ejsice-4945	179	8	banking	banking	NOUN
ejsice-4945	179	9	industry	industry	NOUN
ejsice-4945	179	10	is	be	AUX
ejsice-4945	179	11	almost	almost	ADV
ejsice-4945	179	12	essential	essential	ADJ
ejsice-4945	179	13	,	,	PUNCT
ejsice-4945	179	14	not	not	PART
ejsice-4945	179	15	only	only	ADV
ejsice-4945	179	16	for	for	ADP
ejsice-4945	179	17	de	de	VERB
ejsice-4945	179	18	-	-	VERB
ejsice-4945	179	19	risking	risk	VERB
ejsice-4945	179	20	its	its	PRON
ejsice-4945	179	21	extreme	extreme	ADJ
ejsice-4945	179	22	domino	domino	NOUN
ejsice-4945	179	23	effects	effect	NOUN
ejsice-4945	179	24	over	over	ADP
ejsice-4945	179	25	the	the	DET
ejsice-4945	179	26	society	society	NOUN
ejsice-4945	179	27	,	,	PUNCT
ejsice-4945	179	28	economy	economy	NOUN
ejsice-4945	179	29	and	and	CCONJ
ejsice-4945	179	30	environment	environment	NOUN
ejsice-4945	179	31	but	but	CCONJ
ejsice-4945	179	32	also	also	ADV
ejsice-4945	179	33	for	for	ADP
ejsice-4945	179	34	covering	cover	VERB
ejsice-4945	179	35	the	the	DET
ejsice-4945	179	36	nearly	nearly	ADV
ejsice-4945	179	37	1.7	1.7	NUM
ejsice-4945	179	38	billion1	billion1	NOUN
ejsice-4945	179	39	unbanked	unbanked	ADJ
ejsice-4945	179	40	bankable	bankable	ADJ
ejsice-4945	179	41	community	community	NOUN
ejsice-4945	179	42	into	into	ADP
ejsice-4945	179	43	the	the	DET
ejsice-4945	179	44	network	network	NOUN
ejsice-4945	179	45	of	of	ADP
ejsice-4945	179	46	regulated	regulated	ADJ
ejsice-4945	179	47	financial	financial	ADJ
ejsice-4945	179	48	system	system	NOUN
ejsice-4945	179	49	.	.	PUNCT
ejsice-4945	180	1	in	in	ADP
ejsice-4945	180	2	addition	addition	NOUN
ejsice-4945	180	3	,	,	PUNCT
ejsice-4945	180	4	the	the	DET
ejsice-4945	180	5	term	term	NOUN
ejsice-4945	180	6	‘	'	PUNCT
ejsice-4945	180	7	circular	circular	ADJ
ejsice-4945	180	8	economy	economy	NOUN
ejsice-4945	180	9	’	'	PUNCT
ejsice-4945	180	10	is	be	AUX
ejsice-4945	180	11	no	no	PRON
ejsice-4945	180	12	more	more	ADV
ejsice-4945	180	13	an	an	DET
ejsice-4945	180	14	acute	acute	ADJ
ejsice-4945	180	15	environmental	environmental	ADJ
ejsice-4945	180	16	action	action	NOUN
ejsice-4945	180	17	as	as	SCONJ
ejsice-4945	180	18	it	it	PRON
ejsice-4945	180	19	emerged	emerge	VERB
ejsice-4945	180	20	,	,	PUNCT
ejsice-4945	180	21	rather	rather	ADV
ejsice-4945	180	22	an	an	DET
ejsice-4945	180	23	economic	economic	ADJ
ejsice-4945	180	24	strategy	strategy	NOUN
ejsice-4945	180	25	(	(	PUNCT
ejsice-4945	180	26	yean	yean	PROPN
ejsice-4945	180	27	et	et	PROPN
ejsice-4945	180	28	al	al	PROPN
ejsice-4945	180	29	.	.	PROPN
ejsice-4945	180	30	,	,	PUNCT
ejsice-4945	180	31	2008	2008	NUM
ejsice-4945	180	32	)	)	PUNCT
ejsice-4945	180	33	that	that	PRON
ejsice-4945	180	34	will	will	AUX
ejsice-4945	180	35	assist	assist	VERB
ejsice-4945	180	36	the	the	DET
ejsice-4945	180	37	economy	economy	NOUN
ejsice-4945	180	38	to	to	PART
ejsice-4945	180	39	become	become	VERB
ejsice-4945	180	40	sustainable	sustainable	ADJ
ejsice-4945	180	41	and	and	CCONJ
ejsice-4945	180	42	resilient	resilient	ADJ
ejsice-4945	180	43	.	.	PUNCT
ejsice-4945	181	1	however	however	ADV
ejsice-4945	181	2	,	,	PUNCT
ejsice-4945	181	3	with	with	ADP
ejsice-4945	181	4	the	the	DET
ejsice-4945	181	5	blessing	blessing	NOUN
ejsice-4945	181	6	to	to	ADP
ejsice-4945	181	7	technological	technological	ADJ
ejsice-4945	181	8	advancements	advancement	NOUN
ejsice-4945	181	9	,	,	PUNCT
ejsice-4945	181	10	the	the	DET
ejsice-4945	181	11	inception	inception	NOUN
ejsice-4945	181	12	of	of	ADP
ejsice-4945	181	13	mobile	mobile	ADJ
ejsice-4945	181	14	banking	banking	NOUN
ejsice-4945	181	15	or	or	CCONJ
ejsice-4945	181	16	m	m	NOUN
ejsice-4945	181	17	-	-	PUNCT
ejsice-4945	181	18	banking	banking	NOUN
ejsice-4945	181	19	services	service	NOUN
ejsice-4945	181	20	from	from	ADP
ejsice-4945	181	21	the	the	DET
ejsice-4945	181	22	beginning	beginning	NOUN
ejsice-4945	181	23	of	of	ADP
ejsice-4945	181	24	21st	21st	ADJ
ejsice-4945	181	25	century	century	NOUN
ejsice-4945	181	26	is	be	AUX
ejsice-4945	181	27	not	not	PART
ejsice-4945	181	28	less	less	ADJ
ejsice-4945	181	29	than	than	ADP
ejsice-4945	181	30	a	a	DET
ejsice-4945	181	31	revolution	revolution	NOUN
ejsice-4945	181	32	in	in	ADP
ejsice-4945	181	33	global	global	ADJ
ejsice-4945	181	34	financial	financial	ADJ
ejsice-4945	181	35	industry	industry	NOUN
ejsice-4945	181	36	.	.	PUNCT
ejsice-4945	182	1	this	this	DET
ejsice-4945	182	2	inception	inception	NOUN
ejsice-4945	182	3	has	have	VERB
ejsice-4945	182	4	significant	significant	ADJ
ejsice-4945	182	5	positive	positive	ADJ
ejsice-4945	182	6	effect	effect	NOUN
ejsice-4945	182	7	over	over	ADP
ejsice-4945	182	8	the	the	DET
ejsice-4945	182	9	financial	financial	ADJ
ejsice-4945	182	10	inclusion	inclusion	NOUN
ejsice-4945	182	11	(	(	PUNCT
ejsice-4945	182	12	siddik	siddik	PROPN
ejsice-4945	182	13	et	et	PROPN
ejsice-4945	182	14	al	al	PROPN
ejsice-4945	182	15	.	.	PROPN
ejsice-4945	182	16	,	,	PUNCT
ejsice-4945	182	17	2014	2014	NUM
ejsice-4945	182	18	)	)	PUNCT
ejsice-4945	182	19	,	,	PUNCT
ejsice-4945	182	20	especially	especially	ADV
ejsice-4945	182	21	in	in	ADP
ejsice-4945	182	22	underdeveloped	underdeveloped	ADJ
ejsice-4945	182	23	and	and	CCONJ
ejsice-4945	182	24	developing	develop	VERB
ejsice-4945	182	25	countries	country	NOUN
ejsice-4945	182	26	.	.	PUNCT
ejsice-4945	183	1	m	m	NOUN
ejsice-4945	183	2	-	-	PUNCT
ejsice-4945	183	3	banking	banking	NOUN
ejsice-4945	183	4	not	not	PART
ejsice-4945	183	5	only	only	ADV
ejsice-4945	183	6	facilitated	facilitate	VERB
ejsice-4945	183	7	unbanked	unbanked	ADJ
ejsice-4945	183	8	populations	population	NOUN
ejsice-4945	183	9	but	but	CCONJ
ejsice-4945	183	10	also	also	ADV
ejsice-4945	183	11	enhanced	enhance	VERB
ejsice-4945	183	12	the	the	DET
ejsice-4945	183	13	efficiency	efficiency	NOUN
ejsice-4945	183	14	of	of	ADP
ejsice-4945	183	15	other	other	ADJ
ejsice-4945	183	16	existing	exist	VERB
ejsice-4945	183	17	financial	financial	ADJ
ejsice-4945	183	18	service	service	NOUN
ejsice-4945	183	19	providers	provider	NOUN
ejsice-4945	183	20	,	,	PUNCT
ejsice-4945	183	21	including	include	VERB
ejsice-4945	183	22	conventional	conventional	ADJ
ejsice-4945	183	23	banks	bank	NOUN
ejsice-4945	183	24	and	and	CCONJ
ejsice-4945	183	25	microfinance	microfinance	NOUN
ejsice-4945	183	26	institutions	institution	NOUN
ejsice-4945	183	27	(	(	PUNCT
ejsice-4945	183	28	shaikh	shaikh	PROPN
ejsice-4945	183	29	and	and	CCONJ
ejsice-4945	183	30	karjaluoto	karjaluoto	PROPN
ejsice-4945	183	31	,	,	PUNCT
ejsice-4945	183	32	2015	2015	NUM
ejsice-4945	183	33	)	)	PUNCT
ejsice-4945	183	34	.	.	PUNCT
ejsice-4945	184	1	this	this	PRON
ejsice-4945	184	2	ultimately	ultimately	ADV
ejsice-4945	184	3	helped	help	VERB
ejsice-4945	184	4	most	most	ADJ
ejsice-4945	184	5	of	of	ADP
ejsice-4945	184	6	them	they	PRON
ejsice-4945	184	7	to	to	PART
ejsice-4945	184	8	formulate	formulate	VERB
ejsice-4945	184	9	‘	'	PUNCT
ejsice-4945	184	10	fintech	fintech	NOUN
ejsice-4945	184	11	’	'	PUNCT
ejsice-4945	184	12	entity	entity	NOUN
ejsice-4945	184	13	as	as	ADP
ejsice-4945	184	14	sister	sister	NOUN
ejsice-4945	184	15	concern	concern	NOUN
ejsice-4945	184	16	or	or	CCONJ
ejsice-4945	184	17	strategic	strategic	ADJ
ejsice-4945	184	18	wing	wing	NOUN
ejsice-4945	184	19	of	of	ADP
ejsice-4945	184	20	mother	mother	NOUN
ejsice-4945	184	21	company	company	NOUN
ejsice-4945	184	22	,	,	PUNCT
ejsice-4945	184	23	e.g.	e.g.	ADV
ejsice-4945	184	24	the	the	DET
ejsice-4945	184	25	‘	'	PUNCT
ejsice-4945	184	26	bkash	bkash	NOUN
ejsice-4945	184	27	’	'	PUNCT
ejsice-4945	184	28	of	of	ADP
ejsice-4945	184	29	brac	brac	PROPN
ejsice-4945	184	30	bank	bank	PROPN
ejsice-4945	184	31	in	in	ADP
ejsice-4945	184	32	bangladesh	bangladesh	PROPN
ejsice-4945	184	33	.	.	PUNCT
ejsice-4945	185	1	beside	beside	ADP
ejsice-4945	185	2	this	this	PRON
ejsice-4945	185	3	,	,	PUNCT
ejsice-4945	185	4	quick	quick	ADJ
ejsice-4945	185	5	adoption	adoption	NOUN
ejsice-4945	185	6	of	of	ADP
ejsice-4945	185	7	digital	digital	ADJ
ejsice-4945	185	8	finance	finance	NOUN
ejsice-4945	185	9	by	by	ADP
ejsice-4945	185	10	tech	tech	NOUN
ejsice-4945	185	11	-	-	PUNCT
ejsice-4945	185	12	giants	giant	NOUN
ejsice-4945	185	13	like	like	ADP
ejsice-4945	185	14	tencent	tencent	NOUN
ejsice-4945	185	15	,	,	PUNCT
ejsice-4945	185	16	alibaba	alibaba	PROPN
ejsice-4945	185	17	,	,	PUNCT
ejsice-4945	185	18	apple	apple	NOUN
ejsice-4945	185	19	,	,	PUNCT
ejsice-4945	185	20	google	google	PROPN
ejsice-4945	185	21	etc	etc	X
ejsice-4945	185	22	,	,	PUNCT
ejsice-4945	185	23	leaved	leave	VERB
ejsice-4945	185	24	aggressive	aggressive	ADJ
ejsice-4945	185	25	footprint	footprint	NOUN
ejsice-4945	185	26	of	of	ADP
ejsice-4945	185	27	‘	'	PUNCT
ejsice-4945	185	28	techfin	techfin	NOUN
ejsice-4945	185	29	’	'	PUNCT
ejsice-4945	185	30	.	.	PUNCT
ejsice-4945	186	1	this	this	DET
ejsice-4945	186	2	techfin	techfin	NOUN
ejsice-4945	186	3	booted	boot	VERB
ejsice-4945	186	4	the	the	DET
ejsice-4945	186	5	way	way	NOUN
ejsice-4945	186	6	of	of	ADP
ejsice-4945	186	7	financial	financial	ADJ
ejsice-4945	186	8	inclusion	inclusion	NOUN
ejsice-4945	186	9	with	with	ADP
ejsice-4945	186	10	a	a	DET
ejsice-4945	186	11	big	big	ADJ
ejsice-4945	186	12	jump	jump	NOUN
ejsice-4945	186	13	by	by	ADP
ejsice-4945	186	14	facilitating	facilitate	VERB
ejsice-4945	186	15	‘	'	PUNCT
ejsice-4945	186	16	platform	platform	NOUN
ejsice-4945	186	17	economy	economy	NOUN
ejsice-4945	186	18	’	'	PUNCT
ejsice-4945	186	19	,	,	PUNCT
ejsice-4945	186	20	especially	especially	ADV
ejsice-4945	186	21	at	at	ADP
ejsice-4945	186	22	the	the	DET
ejsice-4945	186	23	beginning	beginning	NOUN
ejsice-4945	186	24	of	of	ADP
ejsice-4945	186	25	second	second	ADJ
ejsice-4945	186	26	decade	decade	NOUN
ejsice-4945	186	27	of	of	ADP
ejsice-4945	186	28	this	this	DET
ejsice-4945	186	29	century	century	NOUN
ejsice-4945	186	30	.	.	PUNCT
ejsice-4945	187	1	the	the	DET
ejsice-4945	187	2	difference	difference	NOUN
ejsice-4945	187	3	between	between	ADP
ejsice-4945	187	4	‘	'	PUNCT
ejsice-4945	187	5	fintech	fintech	NOUN
ejsice-4945	187	6	’	'	PUNCT
ejsice-4945	187	7	and	and	CCONJ
ejsice-4945	187	8	‘	'	PUNCT
ejsice-4945	187	9	techfin	techfin	NOUN
ejsice-4945	187	10	’	'	PUNCT
ejsice-4945	187	11	is	be	AUX
ejsice-4945	187	12	coincide	coincide	ADJ
ejsice-4945	187	13	.	.	PUNCT
ejsice-4945	188	1	when	when	SCONJ
ejsice-4945	188	2	a	a	DET
ejsice-4945	188	3	financial	financial	ADJ
ejsice-4945	188	4	institution	institution	NOUN
ejsice-4945	188	5	embrace	embrace	VERB
ejsice-4945	188	6	technology	technology	NOUN
ejsice-4945	188	7	for	for	ADP
ejsice-4945	188	8	better	well	ADJ
ejsice-4945	188	9	client	client	NOUN
ejsice-4945	188	10	services	service	NOUN
ejsice-4945	188	11	is	be	AUX
ejsice-4945	188	12	called	call	VERB
ejsice-4945	188	13	‘	'	PUNCT
ejsice-4945	188	14	fintech	fintech	NOUN
ejsice-4945	188	15	’	'	PUNCT
ejsice-4945	188	16	,	,	PUNCT
ejsice-4945	188	17	like	like	ADP
ejsice-4945	188	18	‘	'	PUNCT
ejsice-4945	188	19	bkash	bkash	NOUN
ejsice-4945	188	20	’	'	PUNCT
ejsice-4945	188	21	and	and	CCONJ
ejsice-4945	188	22	when	when	SCONJ
ejsice-4945	188	23	a	a	DET
ejsice-4945	188	24	technology	technology	NOUN
ejsice-4945	188	25	firm	firm	NOUN
ejsice-4945	188	26	enters	enter	VERB
ejsice-4945	188	27	into	into	ADP
ejsice-4945	188	28	financial	financial	ADJ
ejsice-4945	188	29	industry	industry	NOUN
ejsice-4945	188	30	is	be	AUX
ejsice-4945	188	31	called	call	VERB
ejsice-4945	188	32	‘	'	PUNCT
ejsice-4945	188	33	techfin	techfin	PROPN
ejsice-4945	188	34	’	'	PUNCT
ejsice-4945	188	35	,	,	PUNCT
ejsice-4945	188	36	like	like	ADP
ejsice-4945	188	37	‘	'	PUNCT
ejsice-4945	188	38	alipay	alipay	X
ejsice-4945	188	39	’	'	PUNCT
ejsice-4945	188	40	.	.	PUNCT
ejsice-4945	189	1	though	though	SCONJ
ejsice-4945	189	2	m	m	NOUN
ejsice-4945	189	3	-	-	PUNCT
ejsice-4945	189	4	banking	banking	NOUN
ejsice-4945	189	5	is	be	AUX
ejsice-4945	189	6	a	a	DET
ejsice-4945	189	7	handy	handy	ADJ
ejsice-4945	189	8	tool	tool	NOUN
ejsice-4945	189	9	of	of	ADP
ejsice-4945	189	10	covering	cover	VERB
ejsice-4945	189	11	marginal	marginal	ADJ
ejsice-4945	189	12	community	community	NOUN
ejsice-4945	189	13	under	under	ADP
ejsice-4945	189	14	banking	banking	NOUN
ejsice-4945	189	15	network	network	NOUN
ejsice-4945	189	16	but	but	CCONJ
ejsice-4945	189	17	due	due	ADP
ejsice-4945	189	18	to	to	ADP
ejsice-4945	189	19	security	security	NOUN
ejsice-4945	189	20	,	,	PUNCT
ejsice-4945	189	21	technical	technical	ADJ
ejsice-4945	189	22	,	,	PUNCT
ejsice-4945	189	23	financial	financial	ADJ
ejsice-4945	189	24	literacy	literacy	NOUN
ejsice-4945	189	25	,	,	PUNCT
ejsice-4945	189	26	infrastructure	infrastructure	NOUN
ejsice-4945	189	27	and	and	CCONJ
ejsice-4945	189	28	related	related	ADJ
ejsice-4945	189	29	issues	issue	NOUN
ejsice-4945	189	30	,	,	PUNCT
ejsice-4945	189	31	this	this	DET
ejsice-4945	189	32	mechanism	mechanism	NOUN
ejsice-4945	189	33	could	could	AUX
ejsice-4945	189	34	n’t	not	PART
ejsice-4945	189	35	provide	provide	VERB
ejsice-4945	189	36	full	full	ADJ
ejsice-4945	189	37	-	-	PUNCT
ejsice-4945	189	38	fledge	fledge	NOUN
ejsice-4945	189	39	banking	banking	NOUN
ejsice-4945	189	40	coverage	coverage	NOUN
ejsice-4945	189	41	and	and	CCONJ
ejsice-4945	189	42	failed	fail	VERB
ejsice-4945	189	43	to	to	PART
ejsice-4945	189	44	meet	meet	VERB
ejsice-4945	189	45	the	the	DET
ejsice-4945	189	46	growth	growth	NOUN
ejsice-4945	189	47	prospects	prospect	NOUN
ejsice-4945	189	48	.	.	PUNCT
ejsice-4945	190	1	as	as	ADP
ejsice-4945	190	2	a	a	DET
ejsice-4945	190	3	result	result	NOUN
ejsice-4945	190	4	,	,	PUNCT
ejsice-4945	190	5	m	m	NOUN
ejsice-4945	190	6	-	-	PUNCT
ejsice-4945	190	7	banking	banking	NOUN
ejsice-4945	190	8	is	be	AUX
ejsice-4945	190	9	accounted	account	VERB
ejsice-4945	190	10	for	for	ADP
ejsice-4945	190	11	just	just	ADV
ejsice-4945	190	12	around	around	ADV
ejsice-4945	190	13	5	5	NUM
ejsice-4945	190	14	%	%	NOUN
ejsice-4945	190	15	of	of	ADP
ejsice-4945	190	16	total	total	ADJ
ejsice-4945	190	17	bank	bank	NOUN
ejsice-4945	190	18	accounts	account	NOUN
ejsice-4945	190	19	in	in	ADP
ejsice-4945	190	20	india	india	PROPN
ejsice-4945	190	21	(	(	PUNCT
ejsice-4945	190	22	bhatt	bhatt	PROPN
ejsice-4945	190	23	and	and	CCONJ
ejsice-4945	190	24	bhatt	bhatt	PROPN
ejsice-4945	190	25	,	,	PUNCT
ejsice-4945	190	26	2016	2016	NUM
ejsice-4945	190	27	)	)	PUNCT
ejsice-4945	190	28	,	,	PUNCT
ejsice-4945	190	29	the	the	DET
ejsice-4945	190	30	second	second	ADJ
ejsice-4945	190	31	most	most	ADV
ejsice-4945	190	32	populous	populous	ADJ
ejsice-4945	190	33	country	country	NOUN
ejsice-4945	190	34	of	of	ADP
ejsice-4945	190	35	the	the	DET
ejsice-4945	190	36	world	world	NOUN
ejsice-4945	190	37	.	.	PUNCT
ejsice-4945	191	1	beside	beside	ADP
ejsice-4945	191	2	this	this	PRON
ejsice-4945	191	3	,	,	PUNCT
ejsice-4945	191	4	m	m	PROPN
ejsice-4945	191	5	1	1	NUM
ejsice-4945	191	6	https://globalfindex.worldbank.org/	https://globalfindex.worldbank.org/	NOUN
ejsice-4945	191	7	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	191	8	european	european	PROPN
ejsice-4945	191	9	journal	journal	PROPN
ejsice-4945	191	10	of	of	ADP
ejsice-4945	191	11	social	social	ADJ
ejsice-4945	191	12	impact	impact	NOUN
ejsice-4945	191	13	and	and	CCONJ
ejsice-4945	191	14	circular	circular	ADJ
ejsice-4945	191	15	economy	economy	NOUN
ejsice-4945	191	16	issn	issn	NOUN
ejsice-4945	191	17	:	:	PUNCT
ejsice-4945	191	18	2704	2704	NUM
ejsice-4945	191	19	-	-	SYM
ejsice-4945	191	20	9906	9906	NUM
ejsice-4945	191	21	doi	doi	NOUN
ejsice-4945	191	22	:	:	PUNCT
ejsice-4945	191	23	10.13135/2704	10.13135/2704	NUM
ejsice-4945	191	24	-	-	SYM
ejsice-4945	191	25	9906/4945	9906/4945	NUM
ejsice-4945	191	26	published	publish	VERB
ejsice-4945	191	27	by	by	ADP
ejsice-4945	191	28	university	university	PROPN
ejsice-4945	191	29	of	of	ADP
ejsice-4945	191	30	turin	turin	PROPN
ejsice-4945	191	31	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	191	32	ejsice	ejsice	PROPN
ejsice-4945	191	33	content	content	NOUN
ejsice-4945	191	34	is	be	AUX
ejsice-4945	191	35	licensed	license	VERB
ejsice-4945	191	36	under	under	ADP
ejsice-4945	191	37	a	a	DET
ejsice-4945	191	38	creative	creative	ADJ
ejsice-4945	191	39	commons	common	NOUN
ejsice-4945	191	40	attribution	attribution	NOUN
ejsice-4945	191	41	4.0	4.0	NUM
ejsice-4945	191	42	international	international	ADJ
ejsice-4945	191	43	license	license	NOUN
ejsice-4945	191	44	79	79	NUM
ejsice-4945	191	45	banking	banking	NOUN
ejsice-4945	191	46	is	be	AUX
ejsice-4945	191	47	highly	highly	ADV
ejsice-4945	191	48	expensive	expensive	ADJ
ejsice-4945	191	49	compare	compare	NOUN
ejsice-4945	191	50	to	to	ADP
ejsice-4945	191	51	the	the	DET
ejsice-4945	191	52	financial	financial	ADJ
ejsice-4945	191	53	condition	condition	NOUN
ejsice-4945	191	54	of	of	ADP
ejsice-4945	191	55	marginal	marginal	ADJ
ejsice-4945	191	56	community	community	NOUN
ejsice-4945	191	57	.	.	PUNCT
ejsice-4945	192	1	for	for	ADP
ejsice-4945	192	2	example	example	NOUN
ejsice-4945	192	3	,	,	PUNCT
ejsice-4945	192	4	‘	'	PUNCT
ejsice-4945	192	5	bkash	bkash	NOUN
ejsice-4945	192	6	’	'	PUNCT
ejsice-4945	192	7	,	,	PUNCT
ejsice-4945	192	8	the	the	DET
ejsice-4945	192	9	first	first	ADJ
ejsice-4945	192	10	and	and	CCONJ
ejsice-4945	192	11	popular	popular	ADJ
ejsice-4945	192	12	mobile	mobile	ADJ
ejsice-4945	192	13	banking	banking	NOUN
ejsice-4945	192	14	service	service	NOUN
ejsice-4945	192	15	provider	provider	NOUN
ejsice-4945	192	16	in	in	ADP
ejsice-4945	192	17	bangladesh	bangladesh	NOUN
ejsice-4945	192	18	,	,	PUNCT
ejsice-4945	192	19	which	which	PRON
ejsice-4945	192	20	incurs	incur	VERB
ejsice-4945	192	21	at	at	ADP
ejsice-4945	192	22	least	least	ADV
ejsice-4945	192	23	1.75	1.75	NUM
ejsice-4945	192	24	%	%	NOUN
ejsice-4945	192	25	charge	charge	NOUN
ejsice-4945	192	26	for	for	ADP
ejsice-4945	192	27	cash	cash	NOUN
ejsice-4945	192	28	out	out	ADP
ejsice-4945	192	29	from	from	ADP
ejsice-4945	192	30	the	the	DET
ejsice-4945	192	31	virtual	virtual	ADJ
ejsice-4945	192	32	wallet	wallet	NOUN
ejsice-4945	192	33	.	.	PUNCT
ejsice-4945	193	1	this	this	PRON
ejsice-4945	193	2	is	be	AUX
ejsice-4945	193	3	excessively	excessively	ADV
ejsice-4945	193	4	high	high	ADJ
ejsice-4945	193	5	for	for	ADP
ejsice-4945	193	6	any	any	DET
ejsice-4945	193	7	paper	paper	NOUN
ejsice-4945	193	8	(	(	PUNCT
ejsice-4945	193	9	money	money	NOUN
ejsice-4945	193	10	)	)	PUNCT
ejsice-4945	193	11	based	base	VERB
ejsice-4945	193	12	economy	economy	NOUN
ejsice-4945	193	13	where	where	SCONJ
ejsice-4945	193	14	most	most	ADJ
ejsice-4945	193	15	of	of	ADP
ejsice-4945	193	16	the	the	DET
ejsice-4945	193	17	payments	payment	NOUN
ejsice-4945	193	18	have	have	VERB
ejsice-4945	193	19	to	to	PART
ejsice-4945	193	20	make	make	VERB
ejsice-4945	193	21	through	through	ADP
ejsice-4945	193	22	physical	physical	ADJ
ejsice-4945	193	23	currency	currency	NOUN
ejsice-4945	193	24	.	.	PUNCT
ejsice-4945	194	1	providing	provide	VERB
ejsice-4945	194	2	banking	banking	NOUN
ejsice-4945	194	3	services	service	NOUN
ejsice-4945	194	4	in	in	ADP
ejsice-4945	194	5	remote	remote	ADJ
ejsice-4945	194	6	areas	area	NOUN
ejsice-4945	194	7	with	with	ADP
ejsice-4945	194	8	low	low	ADJ
ejsice-4945	194	9	service	service	NOUN
ejsice-4945	194	10	cost	cost	NOUN
ejsice-4945	194	11	and	and	CCONJ
ejsice-4945	194	12	customer	customer	NOUN
ejsice-4945	194	13	friendly	friendly	ADJ
ejsice-4945	194	14	way	way	NOUN
ejsice-4945	194	15	might	might	AUX
ejsice-4945	194	16	be	be	AUX
ejsice-4945	194	17	an	an	DET
ejsice-4945	194	18	effective	effective	ADJ
ejsice-4945	194	19	mechanism	mechanism	NOUN
ejsice-4945	194	20	of	of	ADP
ejsice-4945	194	21	covering	cover	VERB
ejsice-4945	194	22	the	the	DET
ejsice-4945	194	23	huge	huge	ADJ
ejsice-4945	194	24	amount	amount	NOUN
ejsice-4945	194	25	of	of	ADP
ejsice-4945	194	26	unbanked	unbanked	ADJ
ejsice-4945	194	27	community	community	NOUN
ejsice-4945	194	28	.	.	PUNCT
ejsice-4945	195	1	this	this	DET
ejsice-4945	195	2	community	community	NOUN
ejsice-4945	195	3	are	be	AUX
ejsice-4945	195	4	mostly	mostly	ADV
ejsice-4945	195	5	marginal	marginal	ADJ
ejsice-4945	195	6	people	people	NOUN
ejsice-4945	195	7	with	with	ADP
ejsice-4945	195	8	little	little	ADJ
ejsice-4945	195	9	or	or	CCONJ
ejsice-4945	195	10	no	no	PRON
ejsice-4945	195	11	financial	financial	ADJ
ejsice-4945	195	12	literacy	literacy	NOUN
ejsice-4945	195	13	and	and	CCONJ
ejsice-4945	195	14	residing	reside	VERB
ejsice-4945	195	15	in	in	ADP
ejsice-4945	195	16	underdeveloped	underdeveloped	ADJ
ejsice-4945	195	17	and	and	CCONJ
ejsice-4945	195	18	developing	develop	VERB
ejsice-4945	195	19	countries	country	NOUN
ejsice-4945	195	20	.	.	PUNCT
ejsice-4945	196	1	agent	agent	NOUN
ejsice-4945	196	2	-	-	PUNCT
ejsice-4945	196	3	based	base	VERB
ejsice-4945	196	4	banking	banking	NOUN
ejsice-4945	196	5	model	model	NOUN
ejsice-4945	196	6	(	(	PUNCT
ejsice-4945	196	7	abm	abm	PROPN
ejsice-4945	196	8	)	)	PUNCT
ejsice-4945	196	9	may	may	AUX
ejsice-4945	196	10	do	do	VERB
ejsice-4945	196	11	this	this	PRON
ejsice-4945	196	12	optimally	optimally	ADV
ejsice-4945	196	13	by	by	ADP
ejsice-4945	196	14	covering	cover	VERB
ejsice-4945	196	15	wider	wide	ADJ
ejsice-4945	196	16	range	range	NOUN
ejsice-4945	196	17	of	of	ADP
ejsice-4945	196	18	stakeholders	stakeholder	NOUN
ejsice-4945	196	19	with	with	ADP
ejsice-4945	196	20	low	low	ADJ
ejsice-4945	196	21	economic	economic	ADJ
ejsice-4945	196	22	and	and	CCONJ
ejsice-4945	196	23	social	social	ADJ
ejsice-4945	196	24	cost	cost	NOUN
ejsice-4945	196	25	as	as	ADP
ejsice-4945	196	26	the	the	DET
ejsice-4945	196	27	essence	essence	NOUN
ejsice-4945	196	28	of	of	ADP
ejsice-4945	196	29	such	such	ADJ
ejsice-4945	196	30	model	model	NOUN
ejsice-4945	196	31	is	be	AUX
ejsice-4945	196	32	circular	circular	ADJ
ejsice-4945	196	33	economy	economy	NOUN
ejsice-4945	196	34	.	.	PUNCT
ejsice-4945	197	1	therefore	therefore	ADV
ejsice-4945	197	2	,	,	PUNCT
ejsice-4945	197	3	transforming	transform	VERB
ejsice-4945	197	4	existing	exist	VERB
ejsice-4945	197	5	brick	brick	NOUN
ejsice-4945	197	6	and	and	CCONJ
ejsice-4945	197	7	mortar	mortar	NOUN
ejsice-4945	197	8	type	type	NOUN
ejsice-4945	197	9	or	or	CCONJ
ejsice-4945	197	10	linear	linear	ADJ
ejsice-4945	197	11	banking	banking	NOUN
ejsice-4945	197	12	system	system	NOUN
ejsice-4945	197	13	into	into	ADP
ejsice-4945	197	14	circular	circular	ADJ
ejsice-4945	197	15	one	one	NUM
ejsice-4945	197	16	is	be	AUX
ejsice-4945	197	17	demanding	demand	VERB
ejsice-4945	197	18	and	and	CCONJ
ejsice-4945	197	19	somehow	somehow	ADV
ejsice-4945	197	20	required	require	VERB
ejsice-4945	197	21	.	.	PUNCT
ejsice-4945	198	1	however	however	ADV
ejsice-4945	198	2	,	,	PUNCT
ejsice-4945	198	3	aim	aim	NOUN
ejsice-4945	198	4	of	of	ADP
ejsice-4945	198	5	this	this	DET
ejsice-4945	198	6	study	study	NOUN
ejsice-4945	198	7	is	be	AUX
ejsice-4945	198	8	to	to	PART
ejsice-4945	198	9	investigate	investigate	VERB
ejsice-4945	198	10	the	the	DET
ejsice-4945	198	11	impact	impact	NOUN
ejsice-4945	198	12	of	of	ADP
ejsice-4945	198	13	agent	agent	NOUN
ejsice-4945	198	14	-	-	PUNCT
ejsice-4945	198	15	based	base	VERB
ejsice-4945	198	16	banking	banking	NOUN
ejsice-4945	198	17	model	model	NOUN
ejsice-4945	198	18	and	and	CCONJ
ejsice-4945	198	19	how	how	SCONJ
ejsice-4945	198	20	it	it	PRON
ejsice-4945	198	21	might	might	AUX
ejsice-4945	198	22	facilitates	facilitate	VERB
ejsice-4945	198	23	the	the	DET
ejsice-4945	198	24	marginal	marginal	ADJ
ejsice-4945	198	25	community	community	NOUN
ejsice-4945	198	26	toward	toward	ADP
ejsice-4945	198	27	financial	financial	ADJ
ejsice-4945	198	28	inclusion	inclusion	NOUN
ejsice-4945	198	29	?	?	PUNCT
ejsice-4945	199	1	to	to	PART
ejsice-4945	199	2	do	do	VERB
ejsice-4945	199	3	so	so	ADV
ejsice-4945	199	4	,	,	PUNCT
ejsice-4945	199	5	this	this	DET
ejsice-4945	199	6	paper	paper	NOUN
ejsice-4945	199	7	will	will	AUX
ejsice-4945	199	8	follow	follow	VERB
ejsice-4945	199	9	by	by	ADP
ejsice-4945	199	10	its	its	PRON
ejsice-4945	199	11	background	background	NOUN
ejsice-4945	199	12	.	.	PUNCT
ejsice-4945	200	1	methodology	methodology	NOUN
ejsice-4945	200	2	of	of	ADP
ejsice-4945	200	3	this	this	DET
ejsice-4945	200	4	study	study	NOUN
ejsice-4945	200	5	presented	present	VERB
ejsice-4945	200	6	at	at	ADP
ejsice-4945	200	7	section	section	NOUN
ejsice-4945	200	8	3	3	NUM
ejsice-4945	200	9	.	.	PUNCT
ejsice-4945	200	10	section	section	NOUN
ejsice-4945	200	11	4	4	NUM
ejsice-4945	200	12	highlighted	highlight	VERB
ejsice-4945	200	13	the	the	DET
ejsice-4945	200	14	existing	exist	VERB
ejsice-4945	200	15	linear	linear	PROPN
ejsice-4945	200	16	business	business	NOUN
ejsice-4945	200	17	model	model	NOUN
ejsice-4945	200	18	of	of	ADP
ejsice-4945	200	19	banks	bank	NOUN
ejsice-4945	200	20	functioning	function	VERB
ejsice-4945	200	21	in	in	ADP
ejsice-4945	200	22	developing	develop	VERB
ejsice-4945	200	23	countries	country	NOUN
ejsice-4945	200	24	like	like	ADP
ejsice-4945	200	25	bangladesh	bangladesh	NOUN
ejsice-4945	200	26	.	.	PUNCT
ejsice-4945	201	1	pictograph	pictograph	NOUN
ejsice-4945	201	2	of	of	ADP
ejsice-4945	201	3	abm	abm	PROPN
ejsice-4945	201	4	with	with	ADP
ejsice-4945	201	5	its	its	PRON
ejsice-4945	201	6	explanation	explanation	NOUN
ejsice-4945	201	7	,	,	PUNCT
ejsice-4945	201	8	application	application	NOUN
ejsice-4945	201	9	and	and	CCONJ
ejsice-4945	201	10	limitation	limitation	NOUN
ejsice-4945	201	11	presented	present	VERB
ejsice-4945	201	12	at	at	ADP
ejsice-4945	201	13	section	section	NOUN
ejsice-4945	201	14	5	5	NUM
ejsice-4945	201	15	.	.	PUNCT
ejsice-4945	201	16	qualitative	qualitative	ADJ
ejsice-4945	201	17	aspects	aspect	NOUN
ejsice-4945	201	18	of	of	ADP
ejsice-4945	201	19	this	this	DET
ejsice-4945	201	20	study	study	NOUN
ejsice-4945	201	21	presented	present	VERB
ejsice-4945	201	22	afterward	afterward	ADV
ejsice-4945	201	23	and	and	CCONJ
ejsice-4945	201	24	further	far	ADV
ejsice-4945	201	25	wrapped	wrap	VERB
ejsice-4945	201	26	-	-	PUNCT
ejsice-4945	201	27	up	up	NOUN
ejsice-4945	201	28	by	by	ADP
ejsice-4945	201	29	concluding	conclude	VERB
ejsice-4945	201	30	remarks	remark	NOUN
ejsice-4945	201	31	.	.	PUNCT
ejsice-4945	202	1	2	2	X
ejsice-4945	202	2	.	.	X
ejsice-4945	202	3	background	background	NOUN
ejsice-4945	202	4	to	to	PART
ejsice-4945	202	5	understand	understand	VERB
ejsice-4945	202	6	the	the	DET
ejsice-4945	202	7	status	status	NOUN
ejsice-4945	202	8	of	of	ADP
ejsice-4945	202	9	global	global	ADJ
ejsice-4945	202	10	financial	financial	ADJ
ejsice-4945	202	11	inclusion	inclusion	NOUN
ejsice-4945	202	12	gap	gap	NOUN
ejsice-4945	202	13	,	,	PUNCT
ejsice-4945	202	14	the	the	DET
ejsice-4945	202	15	‘	'	PUNCT
ejsice-4945	202	16	global	global	ADJ
ejsice-4945	202	17	financial	financial	ADJ
ejsice-4945	202	18	inclusion	inclusion	NOUN
ejsice-4945	202	19	(	(	PUNCT
ejsice-4945	202	20	global	global	ADJ
ejsice-4945	202	21	findex	findex	NOUN
ejsice-4945	202	22	)	)	PUNCT
ejsice-4945	202	23	database’2	database’2	VERB
ejsice-4945	202	24	published	publish	VERB
ejsice-4945	202	25	in	in	ADP
ejsice-4945	202	26	2017	2017	NUM
ejsice-4945	202	27	by	by	ADP
ejsice-4945	202	28	the	the	DET
ejsice-4945	202	29	world	world	PROPN
ejsice-4945	202	30	bank	bank	PROPN
ejsice-4945	202	31	group	group	NOUN
ejsice-4945	202	32	is	be	AUX
ejsice-4945	202	33	absolutely	absolutely	ADV
ejsice-4945	202	34	good	good	ADJ
ejsice-4945	202	35	enough	enough	ADV
ejsice-4945	202	36	.	.	PUNCT
ejsice-4945	203	1	still	still	ADV
ejsice-4945	203	2	,	,	PUNCT
ejsice-4945	203	3	a	a	DET
ejsice-4945	203	4	brief	brief	ADJ
ejsice-4945	203	5	flavour	flavour	NOUN
ejsice-4945	203	6	on	on	ADP
ejsice-4945	203	7	this	this	PRON
ejsice-4945	203	8	would	would	AUX
ejsice-4945	203	9	help	help	VERB
ejsice-4945	203	10	to	to	PART
ejsice-4945	203	11	realize	realize	VERB
ejsice-4945	203	12	the	the	DET
ejsice-4945	203	13	importance	importance	NOUN
ejsice-4945	203	14	of	of	ADP
ejsice-4945	203	15	fulfilling	fulfil	VERB
ejsice-4945	203	16	financial	financial	ADJ
ejsice-4945	203	17	inclusion	inclusion	NOUN
ejsice-4945	203	18	gap	gap	NOUN
ejsice-4945	203	19	and	and	CCONJ
ejsice-4945	203	20	identify	identify	VERB
ejsice-4945	203	21	the	the	DET
ejsice-4945	203	22	potential	potential	ADJ
ejsice-4945	203	23	scope	scope	NOUN
ejsice-4945	203	24	of	of	ADP
ejsice-4945	203	25	contributing	contribute	VERB
ejsice-4945	203	26	from	from	ADP
ejsice-4945	203	27	socio	socio	NOUN
ejsice-4945	203	28	-	-	PUNCT
ejsice-4945	203	29	economic	economic	ADJ
ejsice-4945	203	30	&	&	CCONJ
ejsice-4945	203	31	/or	/or	ADJ
ejsice-4945	203	32	environmental	environmental	ADJ
ejsice-4945	203	33	perspectives	perspective	NOUN
ejsice-4945	203	34	.	.	PUNCT
ejsice-4945	204	1	2	2	NUM
ejsice-4945	204	2	https://globalfindex.worldbank.org/sites/globalfindex/files/2018-04/2017%20findex%20full%20report_0.pdf	https://globalfindex.worldbank.org/sites/globalfindex/files/2018-04/2017%20findex%20full%20report_0.pdf	PROPN
ejsice-4945	204	3	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	204	4	european	european	PROPN
ejsice-4945	204	5	journal	journal	PROPN
ejsice-4945	204	6	of	of	ADP
ejsice-4945	204	7	social	social	ADJ
ejsice-4945	204	8	impact	impact	NOUN
ejsice-4945	204	9	and	and	CCONJ
ejsice-4945	204	10	circular	circular	ADJ
ejsice-4945	204	11	economy	economy	NOUN
ejsice-4945	204	12	issn	issn	NOUN
ejsice-4945	204	13	:	:	PUNCT
ejsice-4945	204	14	2704	2704	NUM
ejsice-4945	204	15	-	-	SYM
ejsice-4945	204	16	9906	9906	NUM
ejsice-4945	204	17	doi	doi	NOUN
ejsice-4945	204	18	:	:	PUNCT
ejsice-4945	204	19	10.13135/2704	10.13135/2704	NUM
ejsice-4945	204	20	-	-	SYM
ejsice-4945	204	21	9906/4945	9906/4945	NUM
ejsice-4945	204	22	published	publish	VERB
ejsice-4945	204	23	by	by	ADP
ejsice-4945	204	24	university	university	PROPN
ejsice-4945	204	25	of	of	ADP
ejsice-4945	204	26	turin	turin	PROPN
ejsice-4945	204	27	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	204	28	ejsice	ejsice	PROPN
ejsice-4945	204	29	content	content	NOUN
ejsice-4945	204	30	is	be	AUX
ejsice-4945	204	31	licensed	license	VERB
ejsice-4945	204	32	under	under	ADP
ejsice-4945	204	33	a	a	DET
ejsice-4945	204	34	creative	creative	ADJ
ejsice-4945	204	35	commons	common	NOUN
ejsice-4945	204	36	attribution	attribution	NOUN
ejsice-4945	204	37	4.0	4.0	NUM
ejsice-4945	204	38	international	international	ADJ
ejsice-4945	204	39	license	license	NOUN
ejsice-4945	204	40	80	80	NUM
ejsice-4945	204	41	figure	figure	NOUN
ejsice-4945	204	42	1	1	NUM
ejsice-4945	204	43	:	:	PUNCT
ejsice-4945	204	44	demographics	demographic	NOUN
ejsice-4945	204	45	of	of	ADP
ejsice-4945	204	46	world	world	NOUN
ejsice-4945	204	47	's	's	PART
ejsice-4945	204	48	1.7	1.7	NUM
ejsice-4945	204	49	billion	billion	NUM
ejsice-4945	204	50	unbanked	unbanked	ADJ
ejsice-4945	204	51	communities	community	NOUN
ejsice-4945	204	52	data	datum	NOUN
ejsice-4945	204	53	source	source	NOUN
ejsice-4945	204	54	:	:	PUNCT
ejsice-4945	204	55	chapter	chapter	NOUN
ejsice-4945	204	56	2	2	NUM
ejsice-4945	204	57	,	,	PUNCT
ejsice-4945	204	58	global	global	ADJ
ejsice-4945	204	59	findex	findex	NOUN
ejsice-4945	204	60	full	full	ADJ
ejsice-4945	204	61	report	report	NOUN
ejsice-4945	204	62	2017	2017	NUM
ejsice-4945	204	63	according	accord	VERB
ejsice-4945	204	64	to	to	ADP
ejsice-4945	204	65	world	world	PROPN
ejsice-4945	204	66	bank	bank	PROPN
ejsice-4945	204	67	’s	’s	PART
ejsice-4945	204	68	report	report	NOUN
ejsice-4945	204	69	,	,	PUNCT
ejsice-4945	204	70	there	there	PRON
ejsice-4945	204	71	are	be	VERB
ejsice-4945	204	72	about	about	ADV
ejsice-4945	204	73	1.7	1.7	NUM
ejsice-4945	204	74	billion	billion	NUM
ejsice-4945	204	75	adult	adult	NOUN
ejsice-4945	204	76	unbanked	unbanked	ADJ
ejsice-4945	204	77	community	community	NOUN
ejsice-4945	204	78	globally	globally	ADV
ejsice-4945	204	79	.	.	PUNCT
ejsice-4945	205	1	the	the	DET
ejsice-4945	205	2	unbanked	unbanked	ADJ
ejsice-4945	205	3	means	mean	NOUN
ejsice-4945	205	4	,	,	PUNCT
ejsice-4945	205	5	they	they	PRON
ejsice-4945	205	6	do	do	AUX
ejsice-4945	205	7	not	not	PART
ejsice-4945	205	8	have	have	VERB
ejsice-4945	205	9	a	a	DET
ejsice-4945	205	10	bank	bank	NOUN
ejsice-4945	205	11	account	account	NOUN
ejsice-4945	205	12	or	or	CCONJ
ejsice-4945	205	13	account	account	VERB
ejsice-4945	205	14	with	with	ADP
ejsice-4945	205	15	mobile	mobile	ADJ
ejsice-4945	205	16	money	money	NOUN
ejsice-4945	205	17	service	service	NOUN
ejsice-4945	205	18	.	.	PUNCT
ejsice-4945	206	1	this	this	DET
ejsice-4945	206	2	report	report	NOUN
ejsice-4945	206	3	also	also	ADV
ejsice-4945	206	4	claimed	claim	VERB
ejsice-4945	206	5	that	that	SCONJ
ejsice-4945	206	6	,	,	PUNCT
ejsice-4945	206	7	literally	literally	ADV
ejsice-4945	206	8	almost	almost	ADV
ejsice-4945	206	9	all	all	PRON
ejsice-4945	206	10	of	of	ADP
ejsice-4945	206	11	the	the	DET
ejsice-4945	206	12	global	global	ADJ
ejsice-4945	206	13	unbanked	unbanked	ADJ
ejsice-4945	206	14	community	community	NOUN
ejsice-4945	206	15	lives	live	VERB
ejsice-4945	206	16	in	in	ADP
ejsice-4945	206	17	developing	develop	VERB
ejsice-4945	206	18	countries	country	NOUN
ejsice-4945	206	19	and	and	CCONJ
ejsice-4945	206	20	nearly	nearly	ADV
ejsice-4945	206	21	half	half	NOUN
ejsice-4945	206	22	of	of	ADP
ejsice-4945	206	23	them	they	PRON
ejsice-4945	206	24	belongs	belong	VERB
ejsice-4945	206	25	to	to	ADP
ejsice-4945	206	26	seven	seven	NUM
ejsice-4945	206	27	countries	country	NOUN
ejsice-4945	206	28	only	only	ADV
ejsice-4945	206	29	.	.	PUNCT
ejsice-4945	207	1	global	global	ADJ
ejsice-4945	207	2	technological	technological	ADJ
ejsice-4945	207	3	super	super	NOUN
ejsice-4945	207	4	-	-	NOUN
ejsice-4945	207	5	power	power	NOUN
ejsice-4945	207	6	,	,	PUNCT
ejsice-4945	207	7	the	the	DET
ejsice-4945	207	8	people	people	NOUN
ejsice-4945	207	9	’s	’s	PART
ejsice-4945	207	10	republic	republic	NOUN
ejsice-4945	207	11	of	of	ADP
ejsice-4945	207	12	china3	china3	NOUN
ejsice-4945	207	13	hosting	host	VERB
ejsice-4945	207	14	most	most	ADJ
ejsice-4945	207	15	of	of	ADP
ejsice-4945	207	16	the	the	DET
ejsice-4945	207	17	unbanked	unbanked	ADJ
ejsice-4945	207	18	adult	adult	NOUN
ejsice-4945	207	19	population	population	NOUN
ejsice-4945	207	20	of	of	ADP
ejsice-4945	207	21	the	the	DET
ejsice-4945	207	22	world	world	NOUN
ejsice-4945	207	23	.	.	PUNCT
ejsice-4945	208	1	therefore	therefore	ADV
ejsice-4945	208	2	,	,	PUNCT
ejsice-4945	208	3	sometimes	sometimes	ADV
ejsice-4945	208	4	technology	technology	NOUN
ejsice-4945	208	5	may	may	AUX
ejsice-4945	208	6	need	need	VERB
ejsice-4945	208	7	to	to	PART
ejsice-4945	208	8	compromise	compromise	VERB
ejsice-4945	208	9	with	with	ADP
ejsice-4945	208	10	the	the	DET
ejsice-4945	208	11	context	context	NOUN
ejsice-4945	208	12	.	.	PUNCT
ejsice-4945	209	1	for	for	ADP
ejsice-4945	209	2	example	example	NOUN
ejsice-4945	209	3	,	,	PUNCT
ejsice-4945	209	4	in	in	ADP
ejsice-4945	209	5	the	the	DET
ejsice-4945	209	6	year	year	NOUN
ejsice-4945	209	7	2018	2018	NUM
ejsice-4945	209	8	due	due	ADJ
ejsice-4945	209	9	to	to	ADP
ejsice-4945	209	10	digitalization	digitalization	NOUN
ejsice-4945	209	11	of	of	ADP
ejsice-4945	209	12	banking	banking	NOUN
ejsice-4945	209	13	system	system	NOUN
ejsice-4945	209	14	,	,	PUNCT
ejsice-4945	209	15	volume	volume	NOUN
ejsice-4945	209	16	of	of	ADP
ejsice-4945	209	17	net	net	ADJ
ejsice-4945	209	18	closing4	closing4	NOUN
ejsice-4945	209	19	of	of	ADP
ejsice-4945	209	20	branches	branch	NOUN
ejsice-4945	209	21	by	by	ADP
ejsice-4945	209	22	banks	bank	NOUN
ejsice-4945	209	23	&	&	CCONJ
ejsice-4945	209	24	thrifts	thrift	NOUN
ejsice-4945	209	25	in	in	ADP
ejsice-4945	209	26	the	the	DET
ejsice-4945	209	27	united	united	PROPN
ejsice-4945	209	28	states	states	PROPN
ejsice-4945	209	29	of	of	ADP
ejsice-4945	209	30	america	america	PROPN
ejsice-4945	209	31	(	(	PUNCT
ejsice-4945	209	32	usa	usa	PROPN
ejsice-4945	209	33	)	)	PUNCT
ejsice-4945	209	34	was	be	AUX
ejsice-4945	209	35	1,947	1,947	NUM
ejsice-4945	209	36	units	unit	NOUN
ejsice-4945	209	37	,	,	PUNCT
ejsice-4945	209	38	whereas	whereas	SCONJ
ejsice-4945	209	39	in	in	ADP
ejsice-4945	209	40	bangladesh	bangladesh	NOUN
ejsice-4945	209	41	,	,	PUNCT
ejsice-4945	209	42	banks	bank	NOUN
ejsice-4945	209	43	opened	open	VERB
ejsice-4945	209	44	393	393	NUM
ejsice-4945	209	45	sub	sub	NOUN
ejsice-4945	209	46	-	-	NOUN
ejsice-4945	209	47	branches5	branches5	ADJ
ejsice-4945	209	48	last	last	ADJ
ejsice-4945	209	49	year	year	NOUN
ejsice-4945	209	50	(	(	PUNCT
ejsice-4945	209	51	2019	2019	NUM
ejsice-4945	209	52	)	)	PUNCT
ejsice-4945	209	53	.	.	PUNCT
ejsice-4945	210	1	so	so	ADV
ejsice-4945	210	2	,	,	PUNCT
ejsice-4945	210	3	the	the	DET
ejsice-4945	210	4	context	context	NOUN
ejsice-4945	210	5	relevancy	relevancy	NOUN
ejsice-4945	210	6	is	be	AUX
ejsice-4945	210	7	very	very	ADV
ejsice-4945	210	8	important	important	ADJ
ejsice-4945	210	9	rather	rather	ADV
ejsice-4945	210	10	than	than	ADP
ejsice-4945	210	11	jumping	jump	VERB
ejsice-4945	210	12	into	into	ADP
ejsice-4945	210	13	technology	technology	NOUN
ejsice-4945	210	14	blindly	blindly	ADV
ejsice-4945	210	15	.	.	PUNCT
ejsice-4945	211	1	if	if	SCONJ
ejsice-4945	211	2	that	that	PRON
ejsice-4945	211	3	prevailed	prevail	VERB
ejsice-4945	211	4	true	true	ADJ
ejsice-4945	211	5	than	than	SCONJ
ejsice-4945	211	6	many	many	ADJ
ejsice-4945	211	7	banks	bank	NOUN
ejsice-4945	211	8	of	of	ADP
ejsice-4945	211	9	developing	develop	VERB
ejsice-4945	211	10	countries	country	NOUN
ejsice-4945	211	11	may	may	AUX
ejsice-4945	211	12	become	become	VERB
ejsice-4945	211	13	100	100	NUM
ejsice-4945	211	14	%	%	NOUN
ejsice-4945	211	15	digital	digital	ADJ
ejsice-4945	211	16	,	,	PUNCT
ejsice-4945	211	17	may	may	AUX
ejsice-4945	211	18	be	be	AUX
ejsice-4945	211	19	with	with	ADP
ejsice-4945	211	20	the	the	DET
ejsice-4945	211	21	help	help	NOUN
ejsice-4945	211	22	of	of	ADP
ejsice-4945	211	23	different	different	ADJ
ejsice-4945	211	24	global	global	ADJ
ejsice-4945	211	25	platforms	platform	NOUN
ejsice-4945	211	26	like	like	ADP
ejsice-4945	211	27	‘	'	PUNCT
ejsice-4945	211	28	deloitte	deloitte	PROPN
ejsice-4945	211	29	digital	digital	PROPN
ejsice-4945	211	30	bank	bank	PROPN
ejsice-4945	211	31	accelerator’6	accelerator’6	NOUN
ejsice-4945	211	32	and	and	CCONJ
ejsice-4945	211	33	could	could	AUX
ejsice-4945	211	34	fill	fill	VERB
ejsice-4945	211	35	the	the	DET
ejsice-4945	211	36	vacuum	vacuum	NOUN
ejsice-4945	211	37	of	of	ADP
ejsice-4945	211	38	financial	financial	ADJ
ejsice-4945	211	39	inclusion	inclusion	NOUN
ejsice-4945	211	40	.	.	PUNCT
ejsice-4945	212	1	poverty	poverty	NOUN
ejsice-4945	212	2	,	,	PUNCT
ejsice-4945	212	3	illiteracy	illiteracy	NOUN
ejsice-4945	212	4	and	and	CCONJ
ejsice-4945	212	5	disability	disability	NOUN
ejsice-4945	212	6	are	be	AUX
ejsice-4945	212	7	the	the	DET
ejsice-4945	212	8	key	key	ADJ
ejsice-4945	212	9	obstacles	obstacle	NOUN
ejsice-4945	212	10	of	of	ADP
ejsice-4945	212	11	financial	financial	ADJ
ejsice-4945	212	12	inclusion	inclusion	NOUN
ejsice-4945	212	13	.	.	PUNCT
ejsice-4945	213	1	mechanism	mechanism	NOUN
ejsice-4945	213	2	of	of	ADP
ejsice-4945	213	3	agent	agent	NOUN
ejsice-4945	213	4	-	-	PUNCT
ejsice-4945	213	5	based	base	VERB
ejsice-4945	213	6	banking	banking	NOUN
ejsice-4945	213	7	model	model	NOUN
ejsice-4945	213	8	might	might	AUX
ejsice-4945	213	9	facilitates	facilitate	VERB
ejsice-4945	213	10	illiterate	illiterate	ADJ
ejsice-4945	213	11	,	,	PUNCT
ejsice-4945	213	12	physically	physically	ADV
ejsice-4945	213	13	challenged	challenge	VERB
ejsice-4945	213	14	and	and	CCONJ
ejsice-4945	213	15	remote	remote	ADJ
ejsice-4945	213	16	communities	community	NOUN
ejsice-4945	213	17	by	by	ADP
ejsice-4945	213	18	leveraging	leverage	VERB
ejsice-4945	213	19	3https://globalfindex.worldbank.org/sites/globalfindex/files/chapters/2017%20findex%20full%20report_chapt	3https://globalfindex.worldbank.org/sites/globalfindex/files/chapters/2017%20findex%20full%20report_chapt	NUM
ejsice-4945	213	20	er2.pdf	er2.pdf	NOUN
ejsice-4945	213	21	4	4	NUM
ejsice-4945	213	22	https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/49360224	https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/49360224	NOUN
ejsice-4945	213	23	5	5	NUM
ejsice-4945	213	24	https://www.dhakatribune.com/business/banks/2020/01/12/sub-branch-opens-up-new-portal-to-banking	https://www.dhakatribune.com/business/banks/2020/01/12/sub-branch-opens-up-new-portal-to-banking	SYM
ejsice-4945	213	25	6	6	NUM
ejsice-4945	213	26	https://www2.deloitte.com/global/en/pages/technology/articles/deloitte-digital-bank-salesforce.html	https://www2.deloitte.com/global/en/pages/technology/articles/deloitte-digital-bank-salesforce.html	PROPN
ejsice-4945	213	27	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	213	28	european	european	PROPN
ejsice-4945	213	29	journal	journal	PROPN
ejsice-4945	213	30	of	of	ADP
ejsice-4945	213	31	social	social	ADJ
ejsice-4945	213	32	impact	impact	NOUN
ejsice-4945	213	33	and	and	CCONJ
ejsice-4945	213	34	circular	circular	ADJ
ejsice-4945	213	35	economy	economy	NOUN
ejsice-4945	213	36	issn	issn	NOUN
ejsice-4945	213	37	:	:	PUNCT
ejsice-4945	213	38	2704	2704	NUM
ejsice-4945	213	39	-	-	SYM
ejsice-4945	213	40	9906	9906	NUM
ejsice-4945	213	41	doi	doi	NOUN
ejsice-4945	213	42	:	:	PUNCT
ejsice-4945	213	43	10.13135/2704	10.13135/2704	NUM
ejsice-4945	213	44	-	-	SYM
ejsice-4945	213	45	9906/4945	9906/4945	NUM
ejsice-4945	213	46	published	publish	VERB
ejsice-4945	213	47	by	by	ADP
ejsice-4945	213	48	university	university	PROPN
ejsice-4945	213	49	of	of	ADP
ejsice-4945	213	50	turin	turin	PROPN
ejsice-4945	213	51	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	213	52	ejsice	ejsice	PROPN
ejsice-4945	213	53	content	content	NOUN
ejsice-4945	213	54	is	be	AUX
ejsice-4945	213	55	licensed	license	VERB
ejsice-4945	213	56	under	under	ADP
ejsice-4945	213	57	a	a	DET
ejsice-4945	213	58	creative	creative	ADJ
ejsice-4945	213	59	commons	common	NOUN
ejsice-4945	213	60	attribution	attribution	NOUN
ejsice-4945	213	61	4.0	4.0	NUM
ejsice-4945	213	62	international	international	ADJ
ejsice-4945	213	63	license	license	NOUN
ejsice-4945	213	64	81	81	NUM
ejsice-4945	213	65	existing	exist	VERB
ejsice-4945	213	66	technology	technology	NOUN
ejsice-4945	213	67	and	and	CCONJ
ejsice-4945	213	68	know	know	NOUN
ejsice-4945	213	69	-	-	PUNCT
ejsice-4945	213	70	how	how	NOUN
ejsice-4945	213	71	.	.	PUNCT
ejsice-4945	214	1	but	but	CCONJ
ejsice-4945	214	2	the	the	DET
ejsice-4945	214	3	real	real	ADJ
ejsice-4945	214	4	challenge	challenge	NOUN
ejsice-4945	214	5	is	be	AUX
ejsice-4945	214	6	poverty	poverty	NOUN
ejsice-4945	214	7	,	,	PUNCT
ejsice-4945	214	8	which	which	PRON
ejsice-4945	214	9	is	be	AUX
ejsice-4945	214	10	further	far	ADV
ejsice-4945	214	11	worsening	worsen	VERB
ejsice-4945	214	12	with	with	ADP
ejsice-4945	214	13	the	the	DET
ejsice-4945	214	14	interaction	interaction	NOUN
ejsice-4945	214	15	of	of	ADP
ejsice-4945	214	16	covid-19	covid-19	PROPN
ejsice-4945	214	17	.	.	PUNCT
ejsice-4945	215	1	world	world	PROPN
ejsice-4945	215	2	bank	bank	PROPN
ejsice-4945	215	3	estimate	estimate	NOUN
ejsice-4945	215	4	that	that	SCONJ
ejsice-4945	215	5	covid-19	covid-19	PROPN
ejsice-4945	215	6	might	might	AUX
ejsice-4945	215	7	push	push	VERB
ejsice-4945	215	8	71	71	NUM
ejsice-4945	215	9	to	to	PART
ejsice-4945	215	10	100	100	NUM
ejsice-4945	215	11	million7	million7	NOUN
ejsice-4945	215	12	people	people	NOUN
ejsice-4945	215	13	into	into	ADP
ejsice-4945	215	14	extreme	extreme	ADJ
ejsice-4945	215	15	poverty	poverty	NOUN
ejsice-4945	215	16	,	,	PUNCT
ejsice-4945	215	17	globally	globally	ADV
ejsice-4945	215	18	.	.	PUNCT
ejsice-4945	216	1	high	high	ADJ
ejsice-4945	216	2	financial	financial	ADJ
ejsice-4945	216	3	inclusion	inclusion	NOUN
ejsice-4945	216	4	may	may	AUX
ejsice-4945	216	5	shed	shed	VERB
ejsice-4945	216	6	light	light	NOUN
ejsice-4945	216	7	on	on	ADP
ejsice-4945	216	8	this	this	PRON
ejsice-4945	216	9	,	,	PUNCT
ejsice-4945	216	10	as	as	SCONJ
ejsice-4945	216	11	it	it	PRON
ejsice-4945	216	12	well	well	ADV
ejsice-4945	216	13	prove	prove	VERB
ejsice-4945	216	14	that	that	SCONJ
ejsice-4945	216	15	financial	financial	ADJ
ejsice-4945	216	16	inclusion	inclusion	NOUN
ejsice-4945	216	17	enhances	enhance	VERB
ejsice-4945	216	18	the	the	DET
ejsice-4945	216	19	fund	fund	NOUN
ejsice-4945	216	20	’s	’s	PART
ejsice-4945	216	21	mobility	mobility	NOUN
ejsice-4945	216	22	and	and	CCONJ
ejsice-4945	216	23	leads	lead	VERB
ejsice-4945	216	24	toward	toward	ADP
ejsice-4945	216	25	productive	productive	ADJ
ejsice-4945	216	26	investment	investment	NOUN
ejsice-4945	216	27	that	that	PRON
ejsice-4945	216	28	ultimately	ultimately	ADV
ejsice-4945	216	29	yield	yield	VERB
ejsice-4945	216	30	socio	socio	NOUN
ejsice-4945	216	31	-	-	PUNCT
ejsice-4945	216	32	economic	economic	ADJ
ejsice-4945	216	33	development	development	NOUN
ejsice-4945	216	34	and	and	CCONJ
ejsice-4945	216	35	reduce	reduce	VERB
ejsice-4945	216	36	poverty	poverty	NOUN
ejsice-4945	216	37	.	.	PUNCT
ejsice-4945	217	1	3	3	X
ejsice-4945	217	2	.	.	X
ejsice-4945	217	3	methodology	methodology	NOUN
ejsice-4945	217	4	this	this	PRON
ejsice-4945	217	5	is	be	AUX
ejsice-4945	217	6	an	an	DET
ejsice-4945	217	7	exploratory	exploratory	ADJ
ejsice-4945	217	8	research	research	NOUN
ejsice-4945	217	9	with	with	ADP
ejsice-4945	217	10	thematic	thematic	ADJ
ejsice-4945	217	11	inclusion	inclusion	NOUN
ejsice-4945	217	12	,	,	PUNCT
ejsice-4945	217	13	where	where	SCONJ
ejsice-4945	217	14	focus	focus	NOUN
ejsice-4945	217	15	group	group	NOUN
ejsice-4945	217	16	interviews	interview	NOUN
ejsice-4945	217	17	conducted	conduct	VERB
ejsice-4945	217	18	in	in	ADP
ejsice-4945	217	19	an	an	DET
ejsice-4945	217	20	unstructured	unstructured	ADJ
ejsice-4945	217	21	manner	manner	NOUN
ejsice-4945	217	22	to	to	PART
ejsice-4945	217	23	collect	collect	VERB
ejsice-4945	217	24	primary	primary	ADJ
ejsice-4945	217	25	data	datum	NOUN
ejsice-4945	217	26	.	.	PUNCT
ejsice-4945	218	1	about	about	ADV
ejsice-4945	218	2	hundred	hundred	NUM
ejsice-4945	218	3	people	people	NOUN
ejsice-4945	218	4	asked	ask	VERB
ejsice-4945	218	5	for	for	ADP
ejsice-4945	218	6	interview	interview	NOUN
ejsice-4945	218	7	during	during	ADP
ejsice-4945	218	8	february	february	PROPN
ejsice-4945	218	9	to	to	ADP
ejsice-4945	218	10	april	april	PROPN
ejsice-4945	218	11	2020	2020	NUM
ejsice-4945	218	12	,	,	PUNCT
ejsice-4945	218	13	in	in	ADP
ejsice-4945	218	14	the	the	DET
ejsice-4945	218	15	chittagong	chittagong	PROPN
ejsice-4945	218	16	region	region	NOUN
ejsice-4945	218	17	of	of	ADP
ejsice-4945	218	18	bangladesh	bangladesh	PROPN
ejsice-4945	218	19	,	,	PUNCT
ejsice-4945	218	20	from	from	ADP
ejsice-4945	218	21	which	which	PRON
ejsice-4945	218	22	63	63	NUM
ejsice-4945	218	23	person	person	NOUN
ejsice-4945	218	24	agreed	agree	VERB
ejsice-4945	218	25	to	to	PART
ejsice-4945	218	26	be	be	AUX
ejsice-4945	218	27	respondent	respondent	ADJ
ejsice-4945	218	28	.	.	PUNCT
ejsice-4945	219	1	respondents	respondent	NOUN
ejsice-4945	219	2	are	be	AUX
ejsice-4945	219	3	mostly	mostly	ADV
ejsice-4945	219	4	male	male	ADJ
ejsice-4945	219	5	adult	adult	NOUN
ejsice-4945	219	6	,	,	PUNCT
ejsice-4945	219	7	whom	whom	PRON
ejsice-4945	219	8	are	be	AUX
ejsice-4945	219	9	either	either	CCONJ
ejsice-4945	219	10	existing	exist	VERB
ejsice-4945	219	11	clients	client	NOUN
ejsice-4945	219	12	(	(	PUNCT
ejsice-4945	219	13	minority	minority	NOUN
ejsice-4945	219	14	)	)	PUNCT
ejsice-4945	219	15	of	of	ADP
ejsice-4945	219	16	the	the	DET
ejsice-4945	219	17	bank	bank	NOUN
ejsice-4945	219	18	or	or	CCONJ
ejsice-4945	219	19	officials	official	NOUN
ejsice-4945	219	20	(	(	PUNCT
ejsice-4945	219	21	majority	majority	NOUN
ejsice-4945	219	22	)	)	PUNCT
ejsice-4945	219	23	working	work	VERB
ejsice-4945	219	24	at	at	ADP
ejsice-4945	219	25	the	the	DET
ejsice-4945	219	26	banks	bank	NOUN
ejsice-4945	219	27	.	.	PUNCT
ejsice-4945	220	1	respondents	respondent	NOUN
ejsice-4945	220	2	affiliated	affiliate	VERB
ejsice-4945	220	3	with	with	ADP
ejsice-4945	220	4	the	the	DET
ejsice-4945	220	5	ncc	ncc	PROPN
ejsice-4945	220	6	bank	bank	NOUN
ejsice-4945	220	7	,	,	PUNCT
ejsice-4945	220	8	one	one	NUM
ejsice-4945	220	9	bank	bank	NOUN
ejsice-4945	220	10	,	,	PUNCT
ejsice-4945	220	11	nrb	nrb	PROPN
ejsice-4945	220	12	global	global	PROPN
ejsice-4945	220	13	bank	bank	PROPN
ejsice-4945	220	14	,	,	PUNCT
ejsice-4945	220	15	first	first	ADJ
ejsice-4945	220	16	security	security	NOUN
ejsice-4945	220	17	islami	islami	PROPN
ejsice-4945	220	18	bank	bank	PROPN
ejsice-4945	220	19	are	be	AUX
ejsice-4945	220	20	branch	branch	NOUN
ejsice-4945	220	21	level	level	NOUN
ejsice-4945	220	22	participants	participant	NOUN
ejsice-4945	220	23	and	and	CCONJ
ejsice-4945	220	24	respondents	respondent	NOUN
ejsice-4945	220	25	affiliated	affiliate	VERB
ejsice-4945	220	26	with	with	ADP
ejsice-4945	220	27	mutual	mutual	ADJ
ejsice-4945	220	28	trust	trust	PROPN
ejsice-4945	220	29	bank	bank	PROPN
ejsice-4945	220	30	,	,	PUNCT
ejsice-4945	220	31	dutch	dutch	PROPN
ejsice-4945	220	32	-	-	PROPN
ejsice-4945	220	33	bangla	bangla	PROPN
ejsice-4945	220	34	bank	bank	PROPN
ejsice-4945	220	35	&	&	CCONJ
ejsice-4945	220	36	bank	bank	PROPN
ejsice-4945	220	37	asia	asia	PROPN
ejsice-4945	220	38	limited	limit	VERB
ejsice-4945	220	39	are	be	AUX
ejsice-4945	220	40	the	the	DET
ejsice-4945	220	41	agent	agent	NOUN
ejsice-4945	220	42	level	level	NOUN
ejsice-4945	220	43	participants	participant	NOUN
ejsice-4945	220	44	.	.	PUNCT
ejsice-4945	221	1	respondent	respondent	NOUN
ejsice-4945	221	2	’s	’s	PART
ejsice-4945	221	3	orientation	orientation	NOUN
ejsice-4945	221	4	better	well	ADV
ejsice-4945	221	5	described	describe	VERB
ejsice-4945	221	6	at	at	ADP
ejsice-4945	221	7	the	the	DET
ejsice-4945	221	8	qualitative	qualitative	ADJ
ejsice-4945	221	9	aspects	aspect	NOUN
ejsice-4945	221	10	section	section	NOUN
ejsice-4945	221	11	of	of	ADP
ejsice-4945	221	12	this	this	DET
ejsice-4945	221	13	paper	paper	NOUN
ejsice-4945	221	14	.	.	PUNCT
ejsice-4945	222	1	collected	collect	VERB
ejsice-4945	222	2	primary	primary	ADJ
ejsice-4945	222	3	data	datum	NOUN
ejsice-4945	222	4	extensively	extensively	ADV
ejsice-4945	222	5	contributed	contribute	VERB
ejsice-4945	222	6	to	to	PART
ejsice-4945	222	7	offset	offset	VERB
ejsice-4945	222	8	the	the	DET
ejsice-4945	222	9	key	key	ADJ
ejsice-4945	222	10	research	research	NOUN
ejsice-4945	222	11	query	query	NOUN
ejsice-4945	222	12	.	.	PUNCT
ejsice-4945	223	1	these	these	DET
ejsice-4945	223	2	data	datum	NOUN
ejsice-4945	223	3	also	also	ADV
ejsice-4945	223	4	helped	help	VERB
ejsice-4945	223	5	to	to	PART
ejsice-4945	223	6	find	find	VERB
ejsice-4945	223	7	a	a	DET
ejsice-4945	223	8	substitute	substitute	NOUN
ejsice-4945	223	9	/	/	SYM
ejsice-4945	223	10	supplementary	supplementary	ADJ
ejsice-4945	223	11	business	business	NOUN
ejsice-4945	223	12	model	model	NOUN
ejsice-4945	223	13	for	for	ADP
ejsice-4945	223	14	brick	brick	NOUN
ejsice-4945	223	15	&	&	CCONJ
ejsice-4945	223	16	mortar	mortar	NOUN
ejsice-4945	223	17	type	type	NOUN
ejsice-4945	223	18	banks	bank	NOUN
ejsice-4945	223	19	that	that	PRON
ejsice-4945	223	20	are	be	AUX
ejsice-4945	223	21	hyperactive	hyperactive	ADJ
ejsice-4945	223	22	in	in	ADP
ejsice-4945	223	23	underdeveloped	underdeveloped	ADJ
ejsice-4945	223	24	and	and	CCONJ
ejsice-4945	223	25	developing	develop	VERB
ejsice-4945	223	26	countries	country	NOUN
ejsice-4945	223	27	e.g.	e.g.	ADV
ejsice-4945	223	28	bangladesh	bangladesh	NOUN
ejsice-4945	223	29	.	.	PUNCT
ejsice-4945	224	1	this	this	DET
ejsice-4945	224	2	study	study	NOUN
ejsice-4945	224	3	used	use	VERB
ejsice-4945	224	4	quantifiable	quantifiable	ADJ
ejsice-4945	224	5	data	datum	NOUN
ejsice-4945	224	6	,	,	PUNCT
ejsice-4945	224	7	gathered	gather	VERB
ejsice-4945	224	8	from	from	ADP
ejsice-4945	224	9	plausible	plausible	ADJ
ejsice-4945	224	10	secondary	secondary	ADJ
ejsice-4945	224	11	sources	source	NOUN
ejsice-4945	224	12	,	,	PUNCT
ejsice-4945	224	13	for	for	ADP
ejsice-4945	224	14	better	well	ADJ
ejsice-4945	224	15	understanding	understand	VERB
ejsice-4945	224	16	the	the	DET
ejsice-4945	224	17	current	current	ADJ
ejsice-4945	224	18	scenario	scenario	NOUN
ejsice-4945	224	19	of	of	ADP
ejsice-4945	224	20	formal	formal	ADJ
ejsice-4945	224	21	financial	financial	ADJ
ejsice-4945	224	22	inclusion	inclusion	NOUN
ejsice-4945	224	23	gap	gap	NOUN
ejsice-4945	224	24	that	that	PRON
ejsice-4945	224	25	prevails	prevail	VERB
ejsice-4945	224	26	mostly	mostly	ADV
ejsice-4945	224	27	in	in	ADP
ejsice-4945	224	28	emerging	emerge	VERB
ejsice-4945	224	29	countries	country	NOUN
ejsice-4945	224	30	.	.	PUNCT
ejsice-4945	225	1	3.1	3.1	NUM
ejsice-4945	225	2	research	research	NOUN
ejsice-4945	225	3	question	question	NOUN
ejsice-4945	225	4	how	how	SCONJ
ejsice-4945	225	5	to	to	PART
ejsice-4945	225	6	incorporate	incorporate	VERB
ejsice-4945	225	7	marginal	marginal	ADJ
ejsice-4945	225	8	community	community	NOUN
ejsice-4945	225	9	into	into	ADP
ejsice-4945	225	10	formal	formal	ADJ
ejsice-4945	225	11	banking	banking	NOUN
ejsice-4945	225	12	system	system	NOUN
ejsice-4945	225	13	and	and	CCONJ
ejsice-4945	225	14	boost	boost	VERB
ejsice-4945	225	15	financial	financial	ADJ
ejsice-4945	225	16	inclusion	inclusion	NOUN
ejsice-4945	225	17	?	?	PUNCT
ejsice-4945	226	1	7	7	NUM
ejsice-4945	226	2	https://blogs.worldbank.org/opendata/updated-estimates-impact-covid-19-global-poverty	https://blogs.worldbank.org/opendata/updated-estimates-impact-covid-19-global-poverty	NUM
ejsice-4945	226	3	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	226	4	european	european	PROPN
ejsice-4945	226	5	journal	journal	PROPN
ejsice-4945	226	6	of	of	ADP
ejsice-4945	226	7	social	social	ADJ
ejsice-4945	226	8	impact	impact	NOUN
ejsice-4945	226	9	and	and	CCONJ
ejsice-4945	226	10	circular	circular	ADJ
ejsice-4945	226	11	economy	economy	NOUN
ejsice-4945	226	12	issn	issn	NOUN
ejsice-4945	226	13	:	:	PUNCT
ejsice-4945	226	14	2704	2704	NUM
ejsice-4945	226	15	-	-	SYM
ejsice-4945	226	16	9906	9906	NUM
ejsice-4945	226	17	doi	doi	NOUN
ejsice-4945	226	18	:	:	PUNCT
ejsice-4945	226	19	10.13135/2704	10.13135/2704	NUM
ejsice-4945	226	20	-	-	SYM
ejsice-4945	226	21	9906/4945	9906/4945	NUM
ejsice-4945	226	22	published	publish	VERB
ejsice-4945	226	23	by	by	ADP
ejsice-4945	226	24	university	university	PROPN
ejsice-4945	226	25	of	of	ADP
ejsice-4945	226	26	turin	turin	PROPN
ejsice-4945	226	27	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	226	28	ejsice	ejsice	PROPN
ejsice-4945	226	29	content	content	NOUN
ejsice-4945	226	30	is	be	AUX
ejsice-4945	226	31	licensed	license	VERB
ejsice-4945	226	32	under	under	ADP
ejsice-4945	226	33	a	a	DET
ejsice-4945	226	34	creative	creative	ADJ
ejsice-4945	226	35	commons	common	NOUN
ejsice-4945	226	36	attribution	attribution	NOUN
ejsice-4945	226	37	4.0	4.0	NUM
ejsice-4945	226	38	international	international	ADJ
ejsice-4945	226	39	license	license	NOUN
ejsice-4945	226	40	82	82	NUM
ejsice-4945	226	41	4	4	NUM
ejsice-4945	226	42	.	.	PUNCT
ejsice-4945	227	1	linear	linear	PROPN
ejsice-4945	227	2	business	business	NOUN
ejsice-4945	227	3	model	model	NOUN
ejsice-4945	227	4	of	of	ADP
ejsice-4945	227	5	banks	bank	NOUN
ejsice-4945	227	6	in	in	ADP
ejsice-4945	227	7	developing	develop	VERB
ejsice-4945	227	8	countries	country	NOUN
ejsice-4945	227	9	by	by	ADP
ejsice-4945	227	10	examining	examine	VERB
ejsice-4945	227	11	the	the	DET
ejsice-4945	227	12	primary	primary	ADJ
ejsice-4945	227	13	data	datum	NOUN
ejsice-4945	227	14	gained	gain	VERB
ejsice-4945	227	15	from	from	ADP
ejsice-4945	227	16	branch	branch	NOUN
ejsice-4945	227	17	level	level	NOUN
ejsice-4945	227	18	officials	official	NOUN
ejsice-4945	227	19	of	of	ADP
ejsice-4945	227	20	different	different	ADJ
ejsice-4945	227	21	leading	lead	VERB
ejsice-4945	227	22	commercial	commercial	ADJ
ejsice-4945	227	23	banks	bank	NOUN
ejsice-4945	227	24	in	in	ADP
ejsice-4945	227	25	bangladesh	bangladesh	NOUN
ejsice-4945	228	1	,	,	PUNCT
ejsice-4945	228	2	it	it	PRON
ejsice-4945	228	3	found	find	VERB
ejsice-4945	228	4	that	that	SCONJ
ejsice-4945	228	5	the	the	DET
ejsice-4945	228	6	existing	exist	VERB
ejsice-4945	228	7	business	business	NOUN
ejsice-4945	228	8	model	model	NOUN
ejsice-4945	228	9	of	of	ADP
ejsice-4945	228	10	most	most	ADJ
ejsice-4945	228	11	of	of	ADP
ejsice-4945	228	12	the	the	DET
ejsice-4945	228	13	commercial	commercial	ADJ
ejsice-4945	228	14	banks	bank	NOUN
ejsice-4945	228	15	that	that	PRON
ejsice-4945	228	16	operating	operate	VERB
ejsice-4945	228	17	in	in	ADP
ejsice-4945	228	18	developing	develop	VERB
ejsice-4945	228	19	countries	country	NOUN
ejsice-4945	228	20	are	be	AUX
ejsice-4945	228	21	kind	kind	ADV
ejsice-4945	228	22	of	of	ADP
ejsice-4945	228	23	liner	liner	NOUN
ejsice-4945	228	24	.	.	PUNCT
ejsice-4945	229	1	this	this	PRON
ejsice-4945	229	2	can	can	AUX
ejsice-4945	229	3	be	be	AUX
ejsice-4945	229	4	understand	understand	VERB
ejsice-4945	229	5	from	from	ADP
ejsice-4945	229	6	their	their	PRON
ejsice-4945	229	7	function	function	NOUN
ejsice-4945	229	8	pictograph	pictograph	NOUN
ejsice-4945	229	9	plotted	plot	VERB
ejsice-4945	229	10	at	at	ADP
ejsice-4945	229	11	figure	figure	NOUN
ejsice-4945	229	12	2	2	NUM
ejsice-4945	229	13	.	.	PUNCT
ejsice-4945	230	1	nevertheless	nevertheless	ADV
ejsice-4945	230	2	,	,	PUNCT
ejsice-4945	230	3	many	many	ADJ
ejsice-4945	230	4	of	of	ADP
ejsice-4945	230	5	those	those	DET
ejsice-4945	230	6	banks	bank	NOUN
ejsice-4945	230	7	quickly	quickly	ADV
ejsice-4945	230	8	coped	cope	VERB
ejsice-4945	230	9	with	with	ADP
ejsice-4945	230	10	the	the	DET
ejsice-4945	230	11	trend	trend	NOUN
ejsice-4945	230	12	of	of	ADP
ejsice-4945	230	13	technological	technological	ADJ
ejsice-4945	230	14	development	development	NOUN
ejsice-4945	230	15	.	.	PUNCT
ejsice-4945	231	1	they	they	PRON
ejsice-4945	231	2	have	have	AUX
ejsice-4945	231	3	been	be	AUX
ejsice-4945	231	4	adopting	adopt	VERB
ejsice-4945	231	5	internet	internet	NOUN
ejsice-4945	231	6	banking	banking	NOUN
ejsice-4945	231	7	,	,	PUNCT
ejsice-4945	231	8	real	real	ADJ
ejsice-4945	231	9	time	time	NOUN
ejsice-4945	231	10	transaction	transaction	PROPN
ejsice-4945	231	11	booking	booking	NOUN
ejsice-4945	231	12	,	,	PUNCT
ejsice-4945	231	13	inter	inter	PROPN
ejsice-4945	231	14	&	&	CCONJ
ejsice-4945	231	15	intra	intra	PROPN
ejsice-4945	231	16	bank	bank	PROPN
ejsice-4945	231	17	fund	fund	NOUN
ejsice-4945	231	18	transfer	transfer	NOUN
ejsice-4945	231	19	,	,	PUNCT
ejsice-4945	231	20	mobile	mobile	ADJ
ejsice-4945	231	21	application	application	NOUN
ejsice-4945	231	22	based	base	VERB
ejsice-4945	231	23	banking	banking	NOUN
ejsice-4945	231	24	service	service	NOUN
ejsice-4945	231	25	,	,	PUNCT
ejsice-4945	231	26	online	online	PROPN
ejsice-4945	231	27	bank	bank	PROPN
ejsice-4945	231	28	account	account	PROPN
ejsice-4945	231	29	opening	opening	NOUN
ejsice-4945	231	30	,	,	PUNCT
ejsice-4945	231	31	mobile	mobile	ADJ
ejsice-4945	231	32	banking	banking	NOUN
ejsice-4945	231	33	division	division	NOUN
ejsice-4945	231	34	,	,	PUNCT
ejsice-4945	231	35	sms	sms	PROPN
ejsice-4945	231	36	banking	banking	NOUN
ejsice-4945	231	37	,	,	PUNCT
ejsice-4945	231	38	atm	atm	PROPN
ejsice-4945	231	39	(	(	PUNCT
ejsice-4945	231	40	automated	automate	VERB
ejsice-4945	231	41	teller	teller	NOUN
ejsice-4945	231	42	machine	machine	NOUN
ejsice-4945	231	43	)	)	PUNCT
ejsice-4945	231	44	,	,	PUNCT
ejsice-4945	231	45	cdm	cdm	PROPN
ejsice-4945	231	46	(	(	PUNCT
ejsice-4945	231	47	cash	cash	NOUN
ejsice-4945	231	48	deposit	deposit	NOUN
ejsice-4945	231	49	machine	machine	NOUN
ejsice-4945	231	50	)	)	PUNCT
ejsice-4945	231	51	,	,	PUNCT
ejsice-4945	231	52	e	e	NOUN
ejsice-4945	231	53	-	-	NOUN
ejsice-4945	231	54	statement	statement	NOUN
ejsice-4945	231	55	,	,	PUNCT
ejsice-4945	231	56	pos	pos	NOUN
ejsice-4945	231	57	(	(	PUNCT
ejsice-4945	231	58	point	point	NOUN
ejsice-4945	231	59	of	of	ADP
ejsice-4945	231	60	sale	sale	NOUN
ejsice-4945	231	61	)	)	PUNCT
ejsice-4945	231	62	based	base	VERB
ejsice-4945	231	63	cash	cash	NOUN
ejsice-4945	231	64	withdraw	withdraw	VERB
ejsice-4945	231	65	facility	facility	NOUN
ejsice-4945	231	66	,	,	PUNCT
ejsice-4945	231	67	plastic	plastic	NOUN
ejsice-4945	231	68	/	/	SYM
ejsice-4945	231	69	chip	chip	NOUN
ejsice-4945	231	70	card	card	NOUN
ejsice-4945	231	71	based	base	VERB
ejsice-4945	231	72	operation	operation	NOUN
ejsice-4945	231	73	,	,	PUNCT
ejsice-4945	231	74	storing	store	VERB
ejsice-4945	231	75	data	datum	NOUN
ejsice-4945	231	76	into	into	ADP
ejsice-4945	231	77	the	the	DET
ejsice-4945	231	78	cloud	cloud	NOUN
ejsice-4945	231	79	and	and	CCONJ
ejsice-4945	231	80	many	many	ADJ
ejsice-4945	231	81	more	more	ADJ
ejsice-4945	231	82	.	.	PUNCT
ejsice-4945	232	1	to	to	PART
ejsice-4945	232	2	embrace	embrace	VERB
ejsice-4945	232	3	those	those	DET
ejsice-4945	232	4	sorts	sort	NOUN
ejsice-4945	232	5	of	of	ADP
ejsice-4945	232	6	advance	advance	NOUN
ejsice-4945	232	7	technology	technology	NOUN
ejsice-4945	232	8	and	and	CCONJ
ejsice-4945	232	9	facilities	facility	NOUN
ejsice-4945	232	10	,	,	PUNCT
ejsice-4945	232	11	operation	operation	NOUN
ejsice-4945	232	12	cost	cost	NOUN
ejsice-4945	232	13	of	of	ADP
ejsice-4945	232	14	the	the	DET
ejsice-4945	232	15	banks	bank	NOUN
ejsice-4945	232	16	reached	reach	VERB
ejsice-4945	232	17	at	at	ADP
ejsice-4945	232	18	the	the	DET
ejsice-4945	232	19	pick	pick	NOUN
ejsice-4945	232	20	where	where	SCONJ
ejsice-4945	232	21	intention	intention	NOUN
ejsice-4945	232	22	should	should	AUX
ejsice-4945	232	23	be	be	AUX
ejsice-4945	232	24	the	the	DET
ejsice-4945	232	25	gain	gain	NOUN
ejsice-4945	232	26	of	of	ADP
ejsice-4945	232	27	cost	cost	NOUN
ejsice-4945	232	28	efficiency	efficiency	NOUN
ejsice-4945	232	29	by	by	ADP
ejsice-4945	232	30	embracing	embrace	VERB
ejsice-4945	232	31	technology	technology	NOUN
ejsice-4945	232	32	.	.	PUNCT
ejsice-4945	233	1	beside	beside	ADP
ejsice-4945	233	2	this	this	PRON
ejsice-4945	233	3	,	,	PUNCT
ejsice-4945	233	4	their	their	PRON
ejsice-4945	233	5	brick	brick	NOUN
ejsice-4945	233	6	and	and	CCONJ
ejsice-4945	233	7	mortar	mortar	NOUN
ejsice-4945	233	8	type	type	NOUN
ejsice-4945	233	9	business	business	NOUN
ejsice-4945	233	10	model	model	NOUN
ejsice-4945	233	11	enhanced	enhance	VERB
ejsice-4945	233	12	the	the	DET
ejsice-4945	233	13	maintenance	maintenance	NOUN
ejsice-4945	233	14	cost	cost	NOUN
ejsice-4945	233	15	significantly	significantly	ADV
ejsice-4945	233	16	.	.	PUNCT
ejsice-4945	234	1	to	to	PART
ejsice-4945	234	2	bear	bear	VERB
ejsice-4945	234	3	the	the	DET
ejsice-4945	234	4	lavish	lavish	ADJ
ejsice-4945	234	5	operation	operation	NOUN
ejsice-4945	234	6	and	and	CCONJ
ejsice-4945	234	7	maintenance	maintenance	NOUN
ejsice-4945	234	8	cost	cost	NOUN
ejsice-4945	234	9	,	,	PUNCT
ejsice-4945	234	10	such	such	ADJ
ejsice-4945	234	11	banks	bank	NOUN
ejsice-4945	234	12	have	have	VERB
ejsice-4945	234	13	to	to	PART
ejsice-4945	234	14	charge	charge	VERB
ejsice-4945	234	15	the	the	DET
ejsice-4945	234	16	customers	customer	NOUN
ejsice-4945	234	17	via	via	ADP
ejsice-4945	234	18	different	different	ADJ
ejsice-4945	234	19	known	know	VERB
ejsice-4945	234	20	and	and	CCONJ
ejsice-4945	234	21	unknown	unknown	ADJ
ejsice-4945	234	22	means	mean	NOUN
ejsice-4945	234	23	like	like	ADP
ejsice-4945	234	24	sms	sms	NOUN
ejsice-4945	234	25	banking	banking	NOUN
ejsice-4945	234	26	charge	charge	NOUN
ejsice-4945	234	27	,	,	PUNCT
ejsice-4945	234	28	half	half	ADJ
ejsice-4945	234	29	-	-	PUNCT
ejsice-4945	234	30	yearly	yearly	ADJ
ejsice-4945	234	31	account	account	NOUN
ejsice-4945	234	32	maintenance	maintenance	NOUN
ejsice-4945	234	33	charge	charge	NOUN
ejsice-4945	234	34	,	,	PUNCT
ejsice-4945	234	35	charge	charge	NOUN
ejsice-4945	234	36	on	on	ADP
ejsice-4945	234	37	cheque	cheque	NOUN
ejsice-4945	234	38	books	book	NOUN
ejsice-4945	234	39	,	,	PUNCT
ejsice-4945	234	40	atm	atm	PROPN
ejsice-4945	234	41	cards	card	NOUN
ejsice-4945	234	42	,	,	PUNCT
ejsice-4945	234	43	bank	bank	NOUN
ejsice-4945	234	44	statement	statement	NOUN
ejsice-4945	234	45	,	,	PUNCT
ejsice-4945	234	46	online	online	ADJ
ejsice-4945	234	47	transaction	transaction	NOUN
ejsice-4945	234	48	,	,	PUNCT
ejsice-4945	234	49	clearings	clearing	NOUN
ejsice-4945	234	50	and	and	CCONJ
ejsice-4945	234	51	so	so	ADV
ejsice-4945	234	52	on	on	ADV
ejsice-4945	234	53	.	.	PUNCT
ejsice-4945	235	1	as	as	ADP
ejsice-4945	235	2	a	a	DET
ejsice-4945	235	3	result	result	NOUN
ejsice-4945	235	4	,	,	PUNCT
ejsice-4945	235	5	availing	avail	VERB
ejsice-4945	235	6	banking	banking	NOUN
ejsice-4945	235	7	services	service	NOUN
ejsice-4945	235	8	has	have	AUX
ejsice-4945	235	9	become	become	VERB
ejsice-4945	235	10	expensive	expensive	ADJ
ejsice-4945	235	11	which	which	PRON
ejsice-4945	235	12	is	be	AUX
ejsice-4945	235	13	discouraging	discourage	VERB
ejsice-4945	235	14	people	people	NOUN
ejsice-4945	235	15	from	from	ADP
ejsice-4945	235	16	financial	financial	ADJ
ejsice-4945	235	17	inclusion	inclusion	NOUN
ejsice-4945	235	18	.	.	PUNCT
ejsice-4945	236	1	figure	figure	VERB
ejsice-4945	236	2	1	1	NUM
ejsice-4945	236	3	:	:	PUNCT
ejsice-4945	236	4	pictograph	pictograph	NOUN
ejsice-4945	236	5	of	of	ADP
ejsice-4945	236	6	conventional	conventional	ADJ
ejsice-4945	236	7	business	business	NOUN
ejsice-4945	236	8	model	model	NOUN
ejsice-4945	236	9	of	of	ADP
ejsice-4945	236	10	banks	bank	NOUN
ejsice-4945	236	11	in	in	ADP
ejsice-4945	236	12	developing	develop	VERB
ejsice-4945	236	13	countries	country	NOUN
ejsice-4945	236	14	source	source	NOUN
ejsice-4945	236	15	–	–	PUNCT
ejsice-4945	236	16	developed	develop	VERB
ejsice-4945	236	17	by	by	ADP
ejsice-4945	236	18	the	the	DET
ejsice-4945	236	19	authors	author	NOUN
ejsice-4945	236	20	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	236	21	european	european	PROPN
ejsice-4945	236	22	journal	journal	PROPN
ejsice-4945	236	23	of	of	ADP
ejsice-4945	236	24	social	social	ADJ
ejsice-4945	236	25	impact	impact	NOUN
ejsice-4945	236	26	and	and	CCONJ
ejsice-4945	236	27	circular	circular	ADJ
ejsice-4945	236	28	economy	economy	NOUN
ejsice-4945	236	29	issn	issn	NOUN
ejsice-4945	236	30	:	:	PUNCT
ejsice-4945	236	31	2704	2704	NUM
ejsice-4945	236	32	-	-	SYM
ejsice-4945	236	33	9906	9906	NUM
ejsice-4945	236	34	doi	doi	NOUN
ejsice-4945	236	35	:	:	PUNCT
ejsice-4945	236	36	10.13135/2704	10.13135/2704	NUM
ejsice-4945	236	37	-	-	SYM
ejsice-4945	236	38	9906/4945	9906/4945	NUM
ejsice-4945	236	39	published	publish	VERB
ejsice-4945	236	40	by	by	ADP
ejsice-4945	236	41	university	university	PROPN
ejsice-4945	236	42	of	of	ADP
ejsice-4945	236	43	turin	turin	PROPN
ejsice-4945	236	44	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	236	45	ejsice	ejsice	PROPN
ejsice-4945	236	46	content	content	NOUN
ejsice-4945	236	47	is	be	AUX
ejsice-4945	236	48	licensed	license	VERB
ejsice-4945	236	49	under	under	ADP
ejsice-4945	236	50	a	a	DET
ejsice-4945	236	51	creative	creative	ADJ
ejsice-4945	236	52	commons	common	NOUN
ejsice-4945	236	53	attribution	attribution	NOUN
ejsice-4945	236	54	4.0	4.0	NUM
ejsice-4945	236	55	international	international	ADJ
ejsice-4945	236	56	license	license	NOUN
ejsice-4945	236	57	83	83	NUM
ejsice-4945	236	58	4.1	4.1	NUM
ejsice-4945	236	59	mechanism	mechanism	NOUN
ejsice-4945	236	60	of	of	ADP
ejsice-4945	236	61	linear	linear	PROPN
ejsice-4945	236	62	business	business	NOUN
ejsice-4945	236	63	model	model	NOUN
ejsice-4945	236	64	of	of	ADP
ejsice-4945	236	65	banks	bank	NOUN
ejsice-4945	236	66	in	in	ADP
ejsice-4945	236	67	developing	develop	VERB
ejsice-4945	236	68	countries	country	NOUN
ejsice-4945	236	69	as	as	SCONJ
ejsice-4945	236	70	explained	explain	VERB
ejsice-4945	236	71	by	by	ADP
ejsice-4945	236	72	the	the	DET
ejsice-4945	236	73	respondents	respondent	NOUN
ejsice-4945	236	74	,	,	PUNCT
ejsice-4945	236	75	whose	whose	DET
ejsice-4945	236	76	are	be	AUX
ejsice-4945	236	77	the	the	DET
ejsice-4945	236	78	officials	official	NOUN
ejsice-4945	236	79	at	at	ADP
ejsice-4945	236	80	branch	branch	NOUN
ejsice-4945	236	81	level	level	NOUN
ejsice-4945	236	82	of	of	ADP
ejsice-4945	236	83	different	different	ADJ
ejsice-4945	236	84	leading	lead	VERB
ejsice-4945	236	85	commercial	commercial	ADJ
ejsice-4945	236	86	banks	bank	NOUN
ejsice-4945	236	87	,	,	PUNCT
ejsice-4945	236	88	functioning	function	VERB
ejsice-4945	236	89	process	process	NOUN
ejsice-4945	236	90	of	of	ADP
ejsice-4945	236	91	bank	bank	NOUN
ejsice-4945	236	92	’s	’s	PART
ejsice-4945	236	93	branch	branch	NOUN
ejsice-4945	236	94	start	start	VERB
ejsice-4945	236	95	form	form	VERB
ejsice-4945	236	96	the	the	DET
ejsice-4945	236	97	head	head	NOUN
ejsice-4945	236	98	/	/	SYM
ejsice-4945	236	99	corporate	corporate	ADJ
ejsice-4945	236	100	office	office	NOUN
ejsice-4945	236	101	.	.	PUNCT
ejsice-4945	237	1	with	with	ADP
ejsice-4945	237	2	the	the	DET
ejsice-4945	237	3	objective	objective	NOUN
ejsice-4945	237	4	of	of	ADP
ejsice-4945	237	5	expanding	expand	VERB
ejsice-4945	237	6	business	business	NOUN
ejsice-4945	237	7	,	,	PUNCT
ejsice-4945	237	8	bank	bank	NOUN
ejsice-4945	237	9	’s	’s	PART
ejsice-4945	237	10	head	head	NOUN
ejsice-4945	237	11	office	office	NOUN
ejsice-4945	237	12	looks	look	VERB
ejsice-4945	237	13	for	for	ADP
ejsice-4945	237	14	potential	potential	ADJ
ejsice-4945	237	15	commercial	commercial	ADJ
ejsice-4945	237	16	areas	area	NOUN
ejsice-4945	237	17	.	.	PUNCT
ejsice-4945	238	1	after	after	ADP
ejsice-4945	238	2	assessing	assess	VERB
ejsice-4945	238	3	the	the	DET
ejsice-4945	238	4	tentative	tentative	ADJ
ejsice-4945	238	5	business	business	NOUN
ejsice-4945	238	6	case	case	NOUN
ejsice-4945	238	7	,	,	PUNCT
ejsice-4945	238	8	they	they	PRON
ejsice-4945	238	9	generally	generally	ADV
ejsice-4945	238	10	rent	rent	VERB
ejsice-4945	238	11	an	an	DET
ejsice-4945	238	12	office	office	NOUN
ejsice-4945	238	13	space	space	NOUN
ejsice-4945	238	14	at	at	ADP
ejsice-4945	238	15	the	the	DET
ejsice-4945	238	16	prime	prime	ADJ
ejsice-4945	238	17	location	location	NOUN
ejsice-4945	238	18	of	of	ADP
ejsice-4945	238	19	that	that	DET
ejsice-4945	238	20	particular	particular	ADJ
ejsice-4945	238	21	commercial	commercial	ADJ
ejsice-4945	238	22	area	area	NOUN
ejsice-4945	238	23	which	which	PRON
ejsice-4945	238	24	is	be	AUX
ejsice-4945	238	25	logically	logically	ADV
ejsice-4945	238	26	expensive	expensive	ADJ
ejsice-4945	238	27	.	.	PUNCT
ejsice-4945	239	1	bank	bank	NOUN
ejsice-4945	239	2	spends	spend	VERB
ejsice-4945	239	3	huge	huge	ADJ
ejsice-4945	239	4	amount	amount	NOUN
ejsice-4945	239	5	of	of	ADP
ejsice-4945	239	6	money	money	NOUN
ejsice-4945	239	7	on	on	ADP
ejsice-4945	239	8	its	its	PRON
ejsice-4945	239	9	decoration	decoration	NOUN
ejsice-4945	239	10	,	,	PUNCT
ejsice-4945	239	11	furniture	furniture	NOUN
ejsice-4945	239	12	and	and	CCONJ
ejsice-4945	239	13	fixture	fixture	NOUN
ejsice-4945	239	14	,	,	PUNCT
ejsice-4945	239	15	air	air	NOUN
ejsice-4945	239	16	conditioning	conditioning	NOUN
ejsice-4945	239	17	etc	etc	X
ejsice-4945	239	18	.	.	X
ejsice-4945	240	1	then	then	ADV
ejsice-4945	240	2	the	the	DET
ejsice-4945	240	3	bank	bank	NOUN
ejsice-4945	240	4	employs	employ	VERB
ejsice-4945	240	5	personnel	personnel	NOUN
ejsice-4945	240	6	for	for	ADP
ejsice-4945	240	7	providing	provide	VERB
ejsice-4945	240	8	services	service	NOUN
ejsice-4945	240	9	.	.	PUNCT
ejsice-4945	241	1	those	those	DET
ejsice-4945	241	2	personnel	personnel	NOUN
ejsice-4945	241	3	are	be	AUX
ejsice-4945	241	4	mostly	mostly	ADV
ejsice-4945	241	5	migrated	migrate	VERB
ejsice-4945	241	6	from	from	ADP
ejsice-4945	241	7	different	different	ADJ
ejsice-4945	241	8	parts	part	NOUN
ejsice-4945	241	9	of	of	ADP
ejsice-4945	241	10	the	the	DET
ejsice-4945	241	11	country	country	NOUN
ejsice-4945	241	12	,	,	PUNCT
ejsice-4945	241	13	who	who	PRON
ejsice-4945	241	14	needs	need	VERB
ejsice-4945	241	15	accommodation	accommodation	NOUN
ejsice-4945	241	16	in	in	ADP
ejsice-4945	241	17	nearby	nearby	ADJ
ejsice-4945	241	18	town	town	NOUN
ejsice-4945	241	19	.	.	PUNCT
ejsice-4945	242	1	through	through	ADP
ejsice-4945	242	2	this	this	DET
ejsice-4945	242	3	way	way	NOUN
ejsice-4945	242	4	,	,	PUNCT
ejsice-4945	242	5	respective	respective	ADJ
ejsice-4945	242	6	banks	bank	NOUN
ejsice-4945	242	7	provide	provide	VERB
ejsice-4945	242	8	financial	financial	ADJ
ejsice-4945	242	9	intermediary	intermediary	NOUN
ejsice-4945	242	10	services	service	NOUN
ejsice-4945	242	11	that	that	PRON
ejsice-4945	242	12	incurs	incur	VERB
ejsice-4945	242	13	high	high	ADJ
ejsice-4945	242	14	amount	amount	NOUN
ejsice-4945	242	15	of	of	ADP
ejsice-4945	242	16	fixed	fix	VERB
ejsice-4945	242	17	and	and	CCONJ
ejsice-4945	242	18	operation	operation	NOUN
ejsice-4945	242	19	cost	cost	NOUN
ejsice-4945	242	20	.	.	PUNCT
ejsice-4945	243	1	pictograph	pictograph	NOUN
ejsice-4945	243	2	of	of	ADP
ejsice-4945	243	3	such	such	DET
ejsice-4945	243	4	a	a	DET
ejsice-4945	243	5	model	model	NOUN
ejsice-4945	243	6	of	of	ADP
ejsice-4945	243	7	banking	banking	NOUN
ejsice-4945	243	8	is	be	AUX
ejsice-4945	243	9	highlighted	highlight	VERB
ejsice-4945	243	10	above	above	ADV
ejsice-4945	243	11	via	via	ADP
ejsice-4945	243	12	‘	'	PUNCT
ejsice-4945	243	13	figure	figure	NOUN
ejsice-4945	243	14	–	–	PUNCT
ejsice-4945	243	15	2	2	NUM
ejsice-4945	243	16	’	'	PUNCT
ejsice-4945	243	17	,	,	PUNCT
ejsice-4945	243	18	for	for	ADP
ejsice-4945	243	19	the	the	DET
ejsice-4945	243	20	better	well	ADJ
ejsice-4945	243	21	understanding	understanding	NOUN
ejsice-4945	243	22	.	.	PUNCT
ejsice-4945	244	1	5	5	X
ejsice-4945	244	2	.	.	X
ejsice-4945	244	3	agent	agent	NOUN
ejsice-4945	244	4	-	-	PUNCT
ejsice-4945	244	5	based	base	VERB
ejsice-4945	244	6	banking	banking	NOUN
ejsice-4945	244	7	model	model	NOUN
ejsice-4945	244	8	figure	figure	NOUN
ejsice-4945	244	9	3	3	NUM
ejsice-4945	244	10	:	:	PUNCT
ejsice-4945	244	11	agent	agent	NOUN
ejsice-4945	244	12	-	-	PUNCT
ejsice-4945	244	13	based	base	VERB
ejsice-4945	244	14	banking	banking	NOUN
ejsice-4945	244	15	model	model	NOUN
ejsice-4945	244	16	source	source	NOUN
ejsice-4945	244	17	–	–	PUNCT
ejsice-4945	244	18	developed	develop	VERB
ejsice-4945	244	19	by	by	ADP
ejsice-4945	244	20	the	the	DET
ejsice-4945	244	21	authors	author	NOUN
ejsice-4945	244	22	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	244	23	european	european	PROPN
ejsice-4945	244	24	journal	journal	PROPN
ejsice-4945	244	25	of	of	ADP
ejsice-4945	244	26	social	social	ADJ
ejsice-4945	244	27	impact	impact	NOUN
ejsice-4945	244	28	and	and	CCONJ
ejsice-4945	244	29	circular	circular	ADJ
ejsice-4945	244	30	economy	economy	NOUN
ejsice-4945	244	31	issn	issn	NOUN
ejsice-4945	244	32	:	:	PUNCT
ejsice-4945	244	33	2704	2704	NUM
ejsice-4945	244	34	-	-	SYM
ejsice-4945	244	35	9906	9906	NUM
ejsice-4945	244	36	doi	doi	NOUN
ejsice-4945	244	37	:	:	PUNCT
ejsice-4945	244	38	10.13135/2704	10.13135/2704	NUM
ejsice-4945	244	39	-	-	SYM
ejsice-4945	244	40	9906/4945	9906/4945	NUM
ejsice-4945	244	41	published	publish	VERB
ejsice-4945	244	42	by	by	ADP
ejsice-4945	244	43	university	university	PROPN
ejsice-4945	244	44	of	of	ADP
ejsice-4945	244	45	turin	turin	PROPN
ejsice-4945	244	46	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	244	47	ejsice	ejsice	PROPN
ejsice-4945	244	48	content	content	NOUN
ejsice-4945	244	49	is	be	AUX
ejsice-4945	244	50	licensed	license	VERB
ejsice-4945	244	51	under	under	ADP
ejsice-4945	244	52	a	a	DET
ejsice-4945	244	53	creative	creative	ADJ
ejsice-4945	244	54	commons	common	NOUN
ejsice-4945	244	55	attribution	attribution	NOUN
ejsice-4945	244	56	4.0	4.0	NUM
ejsice-4945	244	57	international	international	ADJ
ejsice-4945	244	58	license	license	NOUN
ejsice-4945	244	59	84	84	NUM
ejsice-4945	244	60	5.1	5.1	NUM
ejsice-4945	244	61	brief	brief	ADJ
ejsice-4945	244	62	explanation	explanation	NOUN
ejsice-4945	244	63	of	of	ADP
ejsice-4945	244	64	agent	agent	NOUN
ejsice-4945	244	65	-	-	PUNCT
ejsice-4945	244	66	based	base	VERB
ejsice-4945	244	67	banking	banking	NOUN
ejsice-4945	244	68	model	model	NOUN
ejsice-4945	244	69	in	in	ADP
ejsice-4945	244	70	light	light	NOUN
ejsice-4945	244	71	with	with	ADP
ejsice-4945	244	72	the	the	DET
ejsice-4945	244	73	objectives	objective	NOUN
ejsice-4945	244	74	of	of	ADP
ejsice-4945	244	75	circular	circular	ADJ
ejsice-4945	244	76	economy	economy	NOUN
ejsice-4945	244	77	,	,	PUNCT
ejsice-4945	244	78	the	the	DET
ejsice-4945	244	79	agent	agent	NOUN
ejsice-4945	244	80	-	-	PUNCT
ejsice-4945	244	81	based	base	VERB
ejsice-4945	244	82	banking	banking	NOUN
ejsice-4945	244	83	model	model	NOUN
ejsice-4945	244	84	might	might	AUX
ejsice-4945	244	85	transform	transform	VERB
ejsice-4945	244	86	the	the	DET
ejsice-4945	244	87	linear	linear	PROPN
ejsice-4945	244	88	business	business	NOUN
ejsice-4945	244	89	model	model	NOUN
ejsice-4945	244	90	of	of	ADP
ejsice-4945	244	91	conventional	conventional	ADJ
ejsice-4945	244	92	banks	bank	NOUN
ejsice-4945	244	93	dramatically	dramatically	ADV
ejsice-4945	244	94	.	.	PUNCT
ejsice-4945	245	1	as	as	SCONJ
ejsice-4945	245	2	learned	learn	VERB
ejsice-4945	245	3	from	from	ADP
ejsice-4945	245	4	the	the	DET
ejsice-4945	245	5	respondents	respondent	NOUN
ejsice-4945	245	6	affiliated	affiliate	VERB
ejsice-4945	245	7	with	with	ADP
ejsice-4945	245	8	agent	agent	NOUN
ejsice-4945	245	9	banking	banking	NOUN
ejsice-4945	245	10	operations	operation	NOUN
ejsice-4945	245	11	(	(	PUNCT
ejsice-4945	245	12	officials	official	NOUN
ejsice-4945	245	13	and	and	CCONJ
ejsice-4945	245	14	customers	customer	NOUN
ejsice-4945	245	15	)	)	PUNCT
ejsice-4945	245	16	,	,	PUNCT
ejsice-4945	245	17	the	the	DET
ejsice-4945	245	18	operating	operating	NOUN
ejsice-4945	245	19	model	model	NOUN
ejsice-4945	245	20	of	of	ADP
ejsice-4945	245	21	agent	agent	NOUN
ejsice-4945	245	22	-	-	PUNCT
ejsice-4945	245	23	based	base	VERB
ejsice-4945	245	24	banking	banking	NOUN
ejsice-4945	245	25	is	be	AUX
ejsice-4945	245	26	very	very	ADV
ejsice-4945	245	27	handy	handy	ADJ
ejsice-4945	245	28	but	but	CCONJ
ejsice-4945	245	29	technology	technology	NOUN
ejsice-4945	245	30	dependent	dependent	ADJ
ejsice-4945	245	31	.	.	PUNCT
ejsice-4945	246	1	their	their	PRON
ejsice-4945	246	2	opinions	opinion	NOUN
ejsice-4945	246	3	sketched	sketch	VERB
ejsice-4945	246	4	,	,	PUNCT
ejsice-4945	246	5	visualized	visualize	VERB
ejsice-4945	246	6	and	and	CCONJ
ejsice-4945	246	7	presented	present	VERB
ejsice-4945	246	8	at	at	ADP
ejsice-4945	246	9	figure	figure	NOUN
ejsice-4945	246	10	–	–	PUNCT
ejsice-4945	246	11	3	3	X
ejsice-4945	246	12	.	.	PUNCT
ejsice-4945	247	1	apparently	apparently	ADV
ejsice-4945	247	2	,	,	PUNCT
ejsice-4945	247	3	first	first	ADV
ejsice-4945	247	4	of	of	ADP
ejsice-4945	247	5	all	all	DET
ejsice-4945	247	6	locally	locally	ADV
ejsice-4945	247	7	competent	competent	ADJ
ejsice-4945	247	8	person	person	NOUN
ejsice-4945	247	9	or	or	CCONJ
ejsice-4945	247	10	entity	entity	NOUN
ejsice-4945	247	11	approach	approach	NOUN
ejsice-4945	247	12	to	to	ADP
ejsice-4945	247	13	a	a	DET
ejsice-4945	247	14	bank	bank	NOUN
ejsice-4945	247	15	for	for	ADP
ejsice-4945	247	16	setting	set	VERB
ejsice-4945	247	17	up	up	ADP
ejsice-4945	247	18	a	a	DET
ejsice-4945	247	19	banking	banking	NOUN
ejsice-4945	247	20	service	service	NOUN
ejsice-4945	247	21	centre	centre	NOUN
ejsice-4945	247	22	with	with	ADP
ejsice-4945	247	23	tentative	tentative	ADJ
ejsice-4945	247	24	socialbusiness	socialbusiness	NOUN
ejsice-4945	247	25	case	case	NOUN
ejsice-4945	247	26	,	,	PUNCT
ejsice-4945	247	27	where	where	SCONJ
ejsice-4945	247	28	conventionally	conventionally	ADV
ejsice-4945	247	29	banks	bank	NOUN
ejsice-4945	247	30	look	look	VERB
ejsice-4945	247	31	for	for	ADP
ejsice-4945	247	32	potential	potential	ADJ
ejsice-4945	247	33	markets	market	NOUN
ejsice-4945	247	34	and	and	CCONJ
ejsice-4945	247	35	service	service	NOUN
ejsice-4945	247	36	location	location	NOUN
ejsice-4945	247	37	.	.	PUNCT
ejsice-4945	248	1	bank	bank	NOUN
ejsice-4945	248	2	then	then	ADV
ejsice-4945	248	3	review	review	VERB
ejsice-4945	248	4	the	the	DET
ejsice-4945	248	5	proposal	proposal	NOUN
ejsice-4945	248	6	,	,	PUNCT
ejsice-4945	248	7	which	which	PRON
ejsice-4945	248	8	covers	cover	VERB
ejsice-4945	248	9	demographics	demographic	NOUN
ejsice-4945	248	10	and	and	CCONJ
ejsice-4945	248	11	socio	socio	NOUN
ejsice-4945	248	12	-	-	PUNCT
ejsice-4945	248	13	economic	economic	ADJ
ejsice-4945	248	14	condition	condition	NOUN
ejsice-4945	248	15	of	of	ADP
ejsice-4945	248	16	that	that	DET
ejsice-4945	248	17	particular	particular	ADJ
ejsice-4945	248	18	region	region	NOUN
ejsice-4945	248	19	and	and	CCONJ
ejsice-4945	248	20	the	the	DET
ejsice-4945	248	21	competency	competency	NOUN
ejsice-4945	248	22	of	of	ADP
ejsice-4945	248	23	the	the	DET
ejsice-4945	248	24	proposer	proposer	NOUN
ejsice-4945	248	25	.	.	PUNCT
ejsice-4945	249	1	if	if	SCONJ
ejsice-4945	249	2	the	the	DET
ejsice-4945	249	3	proposal	proposal	NOUN
ejsice-4945	249	4	fits	fit	VERB
ejsice-4945	249	5	with	with	ADP
ejsice-4945	249	6	the	the	DET
ejsice-4945	249	7	bank	bank	NOUN
ejsice-4945	249	8	’s	’s	PART
ejsice-4945	249	9	prespecified	prespecifie	VERB
ejsice-4945	249	10	criteria	criterion	NOUN
ejsice-4945	249	11	than	than	SCONJ
ejsice-4945	249	12	it	it	PRON
ejsice-4945	249	13	nominates	nominate	VERB
ejsice-4945	249	14	the	the	DET
ejsice-4945	249	15	proposer	proposer	NOUN
ejsice-4945	249	16	as	as	ADP
ejsice-4945	249	17	bank	bank	NOUN
ejsice-4945	249	18	’s	’s	PART
ejsice-4945	249	19	local	local	ADJ
ejsice-4945	249	20	agent	agent	NOUN
ejsice-4945	249	21	and	and	CCONJ
ejsice-4945	249	22	asked	ask	VERB
ejsice-4945	249	23	the	the	DET
ejsice-4945	249	24	agent	agent	NOUN
ejsice-4945	249	25	to	to	PART
ejsice-4945	249	26	set	set	VERB
ejsice-4945	249	27	-	-	PUNCT
ejsice-4945	249	28	up	up	ADP
ejsice-4945	249	29	a	a	DET
ejsice-4945	249	30	friendly	friendly	ADJ
ejsice-4945	249	31	structure	structure	NOUN
ejsice-4945	249	32	to	to	PART
ejsice-4945	249	33	provide	provide	VERB
ejsice-4945	249	34	banking	banking	NOUN
ejsice-4945	249	35	services	service	NOUN
ejsice-4945	249	36	.	.	PUNCT
ejsice-4945	250	1	in	in	ADP
ejsice-4945	250	2	that	that	DET
ejsice-4945	250	3	case	case	NOUN
ejsice-4945	250	4	,	,	PUNCT
ejsice-4945	250	5	banks	bank	NOUN
ejsice-4945	250	6	generally	generally	ADV
ejsice-4945	250	7	provide	provide	VERB
ejsice-4945	250	8	technical	technical	ADJ
ejsice-4945	250	9	supports	support	NOUN
ejsice-4945	250	10	and	and	CCONJ
ejsice-4945	250	11	train	train	VERB
ejsice-4945	250	12	the	the	DET
ejsice-4945	250	13	recruited	recruit	VERB
ejsice-4945	250	14	staffs	staff	NOUN
ejsice-4945	250	15	of	of	ADP
ejsice-4945	250	16	agent	agent	NOUN
ejsice-4945	250	17	,	,	PUNCT
ejsice-4945	250	18	whose	whose	DET
ejsice-4945	250	19	are	be	AUX
ejsice-4945	250	20	mostly	mostly	ADV
ejsice-4945	250	21	from	from	ADP
ejsice-4945	250	22	local	local	ADJ
ejsice-4945	250	23	community	community	NOUN
ejsice-4945	250	24	.	.	PUNCT
ejsice-4945	251	1	through	through	ADP
ejsice-4945	251	2	this	this	DET
ejsice-4945	251	3	mechanism	mechanism	NOUN
ejsice-4945	251	4	employee	employee	NOUN
ejsice-4945	251	5	migration	migration	NOUN
ejsice-4945	251	6	reduces	reduce	VERB
ejsice-4945	251	7	significantly	significantly	ADV
ejsice-4945	251	8	,	,	PUNCT
ejsice-4945	251	9	which	which	PRON
ejsice-4945	251	10	means	mean	VERB
ejsice-4945	251	11	lower	low	ADJ
ejsice-4945	251	12	movement	movement	NOUN
ejsice-4945	251	13	,	,	PUNCT
ejsice-4945	251	14	better	well	ADJ
ejsice-4945	251	15	cultural	cultural	ADJ
ejsice-4945	251	16	affinity	affinity	NOUN
ejsice-4945	251	17	,	,	PUNCT
ejsice-4945	251	18	better	well	ADJ
ejsice-4945	251	19	utilization	utilization	NOUN
ejsice-4945	251	20	of	of	ADP
ejsice-4945	251	21	indigenous	indigenous	ADJ
ejsice-4945	251	22	human	human	ADJ
ejsice-4945	251	23	resources	resource	NOUN
ejsice-4945	251	24	,	,	PUNCT
ejsice-4945	251	25	balanced	balanced	ADJ
ejsice-4945	251	26	development	development	NOUN
ejsice-4945	251	27	and	and	CCONJ
ejsice-4945	251	28	many	many	ADJ
ejsice-4945	251	29	more	more	ADJ
ejsice-4945	251	30	.	.	PUNCT
ejsice-4945	252	1	off	off	ADV
ejsice-4945	252	2	course	course	NOUN
ejsice-4945	252	3	bank	bank	NOUN
ejsice-4945	252	4	needs	need	VERB
ejsice-4945	252	5	to	to	PART
ejsice-4945	252	6	employ	employ	VERB
ejsice-4945	252	7	experienced	experienced	ADJ
ejsice-4945	252	8	staff	staff	NOUN
ejsice-4945	252	9	for	for	ADP
ejsice-4945	252	10	smooth	smooth	ADJ
ejsice-4945	252	11	operation	operation	NOUN
ejsice-4945	252	12	of	of	ADP
ejsice-4945	252	13	banking	banking	NOUN
ejsice-4945	252	14	services	service	NOUN
ejsice-4945	252	15	until	until	SCONJ
ejsice-4945	252	16	the	the	DET
ejsice-4945	252	17	locally	locally	ADV
ejsice-4945	252	18	recruited	recruit	VERB
ejsice-4945	252	19	persons	person	NOUN
ejsice-4945	252	20	/	/	SYM
ejsice-4945	252	21	agent	agent	NOUN
ejsice-4945	252	22	become	become	VERB
ejsice-4945	252	23	capable	capable	ADJ
ejsice-4945	252	24	to	to	PART
ejsice-4945	252	25	serve	serve	VERB
ejsice-4945	252	26	the	the	DET
ejsice-4945	252	27	front	front	ADJ
ejsice-4945	252	28	office	office	NOUN
ejsice-4945	252	29	clients	client	NOUN
ejsice-4945	252	30	properly	properly	ADV
ejsice-4945	252	31	.	.	PUNCT
ejsice-4945	253	1	respective	respective	ADJ
ejsice-4945	253	2	agent	agent	NOUN
ejsice-4945	253	3	deploys	deploy	VERB
ejsice-4945	253	4	his	his	PRON
ejsice-4945	253	5	/	/	SYM
ejsice-4945	253	6	her	her	PRON
ejsice-4945	253	7	local	local	ADJ
ejsice-4945	253	8	reputation	reputation	NOUN
ejsice-4945	253	9	/	/	SYM
ejsice-4945	253	10	network	network	NOUN
ejsice-4945	253	11	and	and	CCONJ
ejsice-4945	253	12	the	the	DET
ejsice-4945	253	13	brand	brand	NOUN
ejsice-4945	253	14	value	value	NOUN
ejsice-4945	253	15	of	of	ADP
ejsice-4945	253	16	the	the	DET
ejsice-4945	253	17	bank	bank	NOUN
ejsice-4945	253	18	,	,	PUNCT
ejsice-4945	253	19	which	which	PRON
ejsice-4945	253	20	ultimately	ultimately	ADV
ejsice-4945	253	21	serve	serve	VERB
ejsice-4945	253	22	the	the	DET
ejsice-4945	253	23	local	local	ADJ
ejsice-4945	253	24	community	community	NOUN
ejsice-4945	253	25	and	and	CCONJ
ejsice-4945	253	26	brings	bring	VERB
ejsice-4945	253	27	them	they	PRON
ejsice-4945	253	28	under	under	ADP
ejsice-4945	253	29	formal	formal	ADJ
ejsice-4945	253	30	or	or	CCONJ
ejsice-4945	253	31	regulated	regulated	ADJ
ejsice-4945	253	32	financial	financial	ADJ
ejsice-4945	253	33	system	system	NOUN
ejsice-4945	253	34	.	.	PUNCT
ejsice-4945	254	1	this	this	DET
ejsice-4945	254	2	system	system	NOUN
ejsice-4945	254	3	incurs	incur	VERB
ejsice-4945	254	4	minimum	minimum	ADJ
ejsice-4945	254	5	ecological	ecological	ADJ
ejsice-4945	254	6	,	,	PUNCT
ejsice-4945	254	7	social	social	ADJ
ejsice-4945	254	8	and	and	CCONJ
ejsice-4945	254	9	operation	operation	NOUN
ejsice-4945	254	10	cost	cost	NOUN
ejsice-4945	254	11	than	than	ADP
ejsice-4945	254	12	the	the	DET
ejsice-4945	254	13	linear	linear	PROPN
ejsice-4945	254	14	service	service	NOUN
ejsice-4945	254	15	model	model	NOUN
ejsice-4945	254	16	of	of	ADP
ejsice-4945	254	17	conventional	conventional	ADJ
ejsice-4945	254	18	banks	bank	NOUN
ejsice-4945	254	19	.	.	PUNCT
ejsice-4945	255	1	it	it	PRON
ejsice-4945	255	2	enhances	enhance	VERB
ejsice-4945	255	3	the	the	DET
ejsice-4945	255	4	service	service	NOUN
ejsice-4945	255	5	network	network	NOUN
ejsice-4945	255	6	of	of	ADP
ejsice-4945	255	7	banking	banking	NOUN
ejsice-4945	255	8	system	system	NOUN
ejsice-4945	255	9	that	that	PRON
ejsice-4945	255	10	capable	capable	ADJ
ejsice-4945	255	11	to	to	PART
ejsice-4945	255	12	serve	serve	VERB
ejsice-4945	255	13	all	all	DET
ejsice-4945	255	14	level	level	NOUN
ejsice-4945	255	15	of	of	ADP
ejsice-4945	255	16	community	community	NOUN
ejsice-4945	255	17	from	from	ADP
ejsice-4945	255	18	rich	rich	ADJ
ejsice-4945	255	19	to	to	ADP
ejsice-4945	255	20	ultra	ultra	ADJ
ejsice-4945	255	21	-	-	ADJ
ejsice-4945	255	22	poor	poor	ADJ
ejsice-4945	255	23	.	.	PUNCT
ejsice-4945	256	1	eventually	eventually	ADV
ejsice-4945	256	2	this	this	PRON
ejsice-4945	256	3	builds	build	VERB
ejsice-4945	256	4	a	a	DET
ejsice-4945	256	5	banking	banking	NOUN
ejsice-4945	256	6	service	service	NOUN
ejsice-4945	256	7	model	model	NOUN
ejsice-4945	256	8	for	for	ADP
ejsice-4945	256	9	the	the	DET
ejsice-4945	256	10	customers	customer	NOUN
ejsice-4945	256	11	by	by	ADP
ejsice-4945	256	12	the	the	DET
ejsice-4945	256	13	customer	customer	NOUN
ejsice-4945	256	14	.	.	PUNCT
ejsice-4945	257	1	5.2	5.2	NUM
ejsice-4945	257	2	mechanism	mechanism	NOUN
ejsice-4945	257	3	of	of	ADP
ejsice-4945	257	4	the	the	DET
ejsice-4945	257	5	core	core	NOUN
ejsice-4945	257	6	banking	banking	NOUN
ejsice-4945	257	7	service	service	NOUN
ejsice-4945	257	8	under	under	ADP
ejsice-4945	257	9	agent	agent	NOUN
ejsice-4945	257	10	-	-	PUNCT
ejsice-4945	257	11	based	base	VERB
ejsice-4945	257	12	model	model	NOUN
ejsice-4945	257	13	technological	technological	ADJ
ejsice-4945	257	14	advancement	advancement	NOUN
ejsice-4945	257	15	blessed	bless	VERB
ejsice-4945	257	16	the	the	DET
ejsice-4945	257	17	conventional	conventional	ADJ
ejsice-4945	257	18	banks	bank	NOUN
ejsice-4945	257	19	to	to	PART
ejsice-4945	257	20	adopt	adopt	VERB
ejsice-4945	257	21	agent	agent	NOUN
ejsice-4945	257	22	-	-	PUNCT
ejsice-4945	257	23	based	base	VERB
ejsice-4945	257	24	banking	banking	NOUN
ejsice-4945	257	25	system	system	NOUN
ejsice-4945	257	26	,	,	PUNCT
ejsice-4945	257	27	which	which	PRON
ejsice-4945	257	28	not	not	PART
ejsice-4945	257	29	only	only	ADV
ejsice-4945	257	30	help	help	VERB
ejsice-4945	257	31	them	they	PRON
ejsice-4945	257	32	to	to	PART
ejsice-4945	257	33	expand	expand	VERB
ejsice-4945	257	34	their	their	PRON
ejsice-4945	257	35	coverage	coverage	NOUN
ejsice-4945	257	36	significantly	significantly	ADV
ejsice-4945	257	37	without	without	ADP
ejsice-4945	257	38	significant	significant	ADJ
ejsice-4945	257	39	investment	investment	NOUN
ejsice-4945	257	40	but	but	CCONJ
ejsice-4945	257	41	also	also	ADV
ejsice-4945	257	42	making	make	VERB
ejsice-4945	257	43	their	their	PRON
ejsice-4945	257	44	business	business	NOUN
ejsice-4945	257	45	model	model	NOUN
ejsice-4945	257	46	sustainable	sustainable	ADJ
ejsice-4945	257	47	and	and	CCONJ
ejsice-4945	257	48	resilient	resilient	ADJ
ejsice-4945	257	49	.	.	PUNCT
ejsice-4945	258	1	here	here	ADV
ejsice-4945	258	2	is	be	AUX
ejsice-4945	258	3	how	how	SCONJ
ejsice-4945	258	4	?	?	PUNCT
ejsice-4945	259	1	bank	bank	NOUN
ejsice-4945	259	2	ask	ask	VERB
ejsice-4945	259	3	the	the	DET
ejsice-4945	259	4	appointed	appoint	VERB
ejsice-4945	259	5	local	local	ADJ
ejsice-4945	259	6	agent	agent	NOUN
ejsice-4945	259	7	to	to	PART
ejsice-4945	259	8	deposit	deposit	VERB
ejsice-4945	259	9	certain	certain	ADJ
ejsice-4945	259	10	amount	amount	NOUN
ejsice-4945	259	11	in	in	ADP
ejsice-4945	259	12	his	his	PRON
ejsice-4945	259	13	/	/	SYM
ejsice-4945	259	14	her	her	PRON
ejsice-4945	259	15	mother	mother	NOUN
ejsice-4945	259	16	or	or	CCONJ
ejsice-4945	259	17	agent	agent	NOUN
ejsice-4945	259	18	account	account	NOUN
ejsice-4945	259	19	with	with	ADP
ejsice-4945	259	20	the	the	DET
ejsice-4945	259	21	respective	respective	ADJ
ejsice-4945	259	22	bank	bank	NOUN
ejsice-4945	259	23	.	.	PUNCT
ejsice-4945	260	1	upon	upon	SCONJ
ejsice-4945	260	2	receipt	receipt	NOUN
ejsice-4945	260	3	of	of	ADP
ejsice-4945	260	4	deposit	deposit	NOUN
ejsice-4945	260	5	from	from	ADP
ejsice-4945	260	6	customer	customer	NOUN
ejsice-4945	260	7	through	through	ADP
ejsice-4945	260	8	secure	secure	ADJ
ejsice-4945	260	9	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	260	10	european	european	PROPN
ejsice-4945	260	11	journal	journal	PROPN
ejsice-4945	260	12	of	of	ADP
ejsice-4945	260	13	social	social	ADJ
ejsice-4945	260	14	impact	impact	NOUN
ejsice-4945	260	15	and	and	CCONJ
ejsice-4945	260	16	circular	circular	ADJ
ejsice-4945	260	17	economy	economy	NOUN
ejsice-4945	260	18	issn	issn	NOUN
ejsice-4945	260	19	:	:	PUNCT
ejsice-4945	260	20	2704	2704	NUM
ejsice-4945	260	21	-	-	SYM
ejsice-4945	260	22	9906	9906	NUM
ejsice-4945	260	23	doi	doi	NOUN
ejsice-4945	260	24	:	:	PUNCT
ejsice-4945	260	25	10.13135/2704	10.13135/2704	NUM
ejsice-4945	260	26	-	-	SYM
ejsice-4945	260	27	9906/4945	9906/4945	NUM
ejsice-4945	260	28	published	publish	VERB
ejsice-4945	260	29	by	by	ADP
ejsice-4945	260	30	university	university	PROPN
ejsice-4945	260	31	of	of	ADP
ejsice-4945	260	32	turin	turin	PROPN
ejsice-4945	260	33	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	260	34	ejsice	ejsice	PROPN
ejsice-4945	260	35	content	content	NOUN
ejsice-4945	260	36	is	be	AUX
ejsice-4945	260	37	licensed	license	VERB
ejsice-4945	260	38	under	under	ADP
ejsice-4945	260	39	a	a	DET
ejsice-4945	260	40	creative	creative	ADJ
ejsice-4945	260	41	commons	common	NOUN
ejsice-4945	260	42	attribution	attribution	NOUN
ejsice-4945	260	43	4.0	4.0	NUM
ejsice-4945	260	44	international	international	ADJ
ejsice-4945	260	45	license	license	NOUN
ejsice-4945	260	46	85	85	NUM
ejsice-4945	260	47	computer	computer	NOUN
ejsice-4945	260	48	-	-	PUNCT
ejsice-4945	260	49	based	base	VERB
ejsice-4945	260	50	transaction	transaction	NOUN
ejsice-4945	260	51	system	system	NOUN
ejsice-4945	260	52	,	,	PUNCT
ejsice-4945	260	53	agent	agent	NOUN
ejsice-4945	260	54	account	account	NOUN
ejsice-4945	260	55	debited	debit	VERB
ejsice-4945	260	56	(	(	PUNCT
ejsice-4945	260	57	deducted	deduct	VERB
ejsice-4945	260	58	)	)	PUNCT
ejsice-4945	260	59	with	with	ADP
ejsice-4945	260	60	the	the	DET
ejsice-4945	260	61	equivalent	equivalent	ADJ
ejsice-4945	260	62	amount	amount	NOUN
ejsice-4945	260	63	as	as	SCONJ
ejsice-4945	260	64	credited	credit	VERB
ejsice-4945	260	65	(	(	PUNCT
ejsice-4945	260	66	added	add	VERB
ejsice-4945	260	67	)	)	PUNCT
ejsice-4945	260	68	to	to	ADP
ejsice-4945	260	69	the	the	DET
ejsice-4945	260	70	client	client	NOUN
ejsice-4945	260	71	’s	’s	PART
ejsice-4945	260	72	account	account	NOUN
ejsice-4945	260	73	.	.	PUNCT
ejsice-4945	261	1	similarly	similarly	ADV
ejsice-4945	261	2	withdraw	withdraw	VERB
ejsice-4945	261	3	transaction	transaction	NOUN
ejsice-4945	261	4	booked	book	VERB
ejsice-4945	261	5	for	for	ADP
ejsice-4945	261	6	the	the	DET
ejsice-4945	261	7	drawings	drawing	NOUN
ejsice-4945	261	8	by	by	ADP
ejsice-4945	261	9	client	client	NOUN
ejsice-4945	261	10	,	,	PUNCT
ejsice-4945	261	11	that	that	ADV
ejsice-4945	261	12	is	is	ADV
ejsice-4945	261	13	,	,	PUNCT
ejsice-4945	261	14	client	client	NOUN
ejsice-4945	261	15	account	account	NOUN
ejsice-4945	261	16	debited	debit	VERB
ejsice-4945	261	17	(	(	PUNCT
ejsice-4945	261	18	deducted	deduct	VERB
ejsice-4945	261	19	)	)	PUNCT
ejsice-4945	261	20	with	with	ADP
ejsice-4945	261	21	the	the	DET
ejsice-4945	261	22	equivalent	equivalent	ADJ
ejsice-4945	261	23	amount	amount	NOUN
ejsice-4945	261	24	credited	credit	VERB
ejsice-4945	261	25	(	(	PUNCT
ejsice-4945	261	26	added	add	VERB
ejsice-4945	261	27	)	)	PUNCT
ejsice-4945	261	28	to	to	PART
ejsice-4945	261	29	agent	agent	NOUN
ejsice-4945	261	30	account	account	NOUN
ejsice-4945	261	31	.	.	PUNCT
ejsice-4945	262	1	for	for	ADP
ejsice-4945	262	2	the	the	DET
ejsice-4945	262	3	safety	safety	NOUN
ejsice-4945	262	4	of	of	ADP
ejsice-4945	262	5	customer	customer	NOUN
ejsice-4945	262	6	’s	’s	PART
ejsice-4945	262	7	fund	fund	NOUN
ejsice-4945	262	8	,	,	PUNCT
ejsice-4945	262	9	respective	respective	ADJ
ejsice-4945	262	10	agent	agent	NOUN
ejsice-4945	262	11	is	be	AUX
ejsice-4945	262	12	not	not	PART
ejsice-4945	262	13	entitled	entitle	VERB
ejsice-4945	262	14	to	to	PART
ejsice-4945	262	15	receive	receive	VERB
ejsice-4945	262	16	deposit	deposit	NOUN
ejsice-4945	262	17	from	from	ADP
ejsice-4945	262	18	the	the	DET
ejsice-4945	262	19	clients	client	NOUN
ejsice-4945	262	20	exceeding	exceed	VERB
ejsice-4945	262	21	the	the	DET
ejsice-4945	262	22	amount	amount	NOUN
ejsice-4945	262	23	of	of	ADP
ejsice-4945	262	24	his	his	PRON
ejsice-4945	262	25	/	/	SYM
ejsice-4945	262	26	her	her	PRON
ejsice-4945	262	27	mother	mother	NOUN
ejsice-4945	262	28	account	account	NOUN
ejsice-4945	262	29	and	and	CCONJ
ejsice-4945	262	30	for	for	ADP
ejsice-4945	262	31	such	such	ADJ
ejsice-4945	262	32	attempt	attempt	NOUN
ejsice-4945	262	33	,	,	PUNCT
ejsice-4945	262	34	system	system	NOUN
ejsice-4945	262	35	will	will	AUX
ejsice-4945	262	36	automatically	automatically	ADV
ejsice-4945	262	37	reject	reject	VERB
ejsice-4945	262	38	the	the	DET
ejsice-4945	262	39	transaction	transaction	NOUN
ejsice-4945	262	40	.	.	PUNCT
ejsice-4945	263	1	transaction	transaction	NOUN
ejsice-4945	263	2	request	request	NOUN
ejsice-4945	263	3	will	will	AUX
ejsice-4945	263	4	be	be	AUX
ejsice-4945	263	5	authenticate	authenticate	VERB
ejsice-4945	263	6	by	by	ADP
ejsice-4945	263	7	the	the	DET
ejsice-4945	263	8	biometric	biometric	ADJ
ejsice-4945	263	9	fingerprint	fingerprint	NOUN
ejsice-4945	263	10	of	of	ADP
ejsice-4945	263	11	the	the	DET
ejsice-4945	263	12	respective	respective	ADJ
ejsice-4945	263	13	client	client	NOUN
ejsice-4945	263	14	and	and	CCONJ
ejsice-4945	263	15	agent	agent	NOUN
ejsice-4945	263	16	/	/	SYM
ejsice-4945	263	17	bank	bank	NOUN
ejsice-4945	263	18	officials	official	NOUN
ejsice-4945	263	19	.	.	PUNCT
ejsice-4945	264	1	this	this	DET
ejsice-4945	264	2	method	method	NOUN
ejsice-4945	264	3	is	be	AUX
ejsice-4945	264	4	secure	secure	ADJ
ejsice-4945	264	5	,	,	PUNCT
ejsice-4945	264	6	cost	cost	VERB
ejsice-4945	264	7	efficient	efficient	ADJ
ejsice-4945	264	8	and	and	CCONJ
ejsice-4945	264	9	environment	environment	NOUN
ejsice-4945	264	10	friendly	friendly	ADJ
ejsice-4945	264	11	,	,	PUNCT
ejsice-4945	264	12	due	due	ADP
ejsice-4945	264	13	to	to	ADP
ejsice-4945	264	14	no	no	DET
ejsice-4945	264	15	requirement	requirement	NOUN
ejsice-4945	264	16	of	of	ADP
ejsice-4945	264	17	printing	print	VERB
ejsice-4945	264	18	the	the	DET
ejsice-4945	264	19	‘	'	PUNCT
ejsice-4945	264	20	cheque	cheque	NOUN
ejsice-4945	264	21	’	'	PUNCT
ejsice-4945	264	22	.	.	PUNCT
ejsice-4945	265	1	such	such	ADJ
ejsice-4945	265	2	assured	assure	VERB
ejsice-4945	265	3	form	form	NOUN
ejsice-4945	265	4	of	of	ADP
ejsice-4945	265	5	transaction	transaction	NOUN
ejsice-4945	265	6	through	through	ADP
ejsice-4945	265	7	biometric	biometric	ADJ
ejsice-4945	265	8	authentication	authentication	NOUN
ejsice-4945	265	9	is	be	AUX
ejsice-4945	265	10	very	very	ADV
ejsice-4945	265	11	effective	effective	ADJ
ejsice-4945	265	12	and	and	CCONJ
ejsice-4945	265	13	somehow	somehow	ADV
ejsice-4945	265	14	essential	essential	ADJ
ejsice-4945	265	15	for	for	ADP
ejsice-4945	265	16	illiterate	illiterate	ADJ
ejsice-4945	265	17	and	and	CCONJ
ejsice-4945	265	18	physically	physically	ADV
ejsice-4945	265	19	challenged	challenge	VERB
ejsice-4945	265	20	community	community	NOUN
ejsice-4945	265	21	.	.	PUNCT
ejsice-4945	266	1	those	those	DET
ejsice-4945	266	2	people	people	NOUN
ejsice-4945	266	3	are	be	AUX
ejsice-4945	266	4	not	not	PART
ejsice-4945	266	5	capable	capable	ADJ
ejsice-4945	266	6	to	to	PART
ejsice-4945	266	7	put	put	VERB
ejsice-4945	266	8	signatures	signature	NOUN
ejsice-4945	266	9	on	on	ADP
ejsice-4945	266	10	paper	paper	NOUN
ejsice-4945	266	11	,	,	PUNCT
ejsice-4945	266	12	which	which	PRON
ejsice-4945	266	13	protesting	protest	VERB
ejsice-4945	266	14	them	they	PRON
ejsice-4945	266	15	from	from	ADP
ejsice-4945	266	16	formal	formal	ADJ
ejsice-4945	266	17	financial	financial	ADJ
ejsice-4945	266	18	inclusion	inclusion	NOUN
ejsice-4945	266	19	.	.	PUNCT
ejsice-4945	267	1	let	let	VERB
ejsice-4945	267	2	us	we	PRON
ejsice-4945	267	3	see	see	VERB
ejsice-4945	267	4	an	an	DET
ejsice-4945	267	5	illustration	illustration	NOUN
ejsice-4945	267	6	on	on	ADP
ejsice-4945	267	7	how	how	SCONJ
ejsice-4945	267	8	the	the	DET
ejsice-4945	267	9	agent	agent	NOUN
ejsice-4945	267	10	-	-	PUNCT
ejsice-4945	267	11	based	base	VERB
ejsice-4945	267	12	banking	banking	NOUN
ejsice-4945	267	13	model	model	NOUN
ejsice-4945	267	14	facilitates	facilitate	VERB
ejsice-4945	267	15	the	the	DET
ejsice-4945	267	16	physically	physically	ADV
ejsice-4945	267	17	challenged	challenge	VERB
ejsice-4945	267	18	community	community	NOUN
ejsice-4945	267	19	on	on	ADP
ejsice-4945	267	20	formal	formal	ADJ
ejsice-4945	267	21	banking	banking	NOUN
ejsice-4945	267	22	inclusion	inclusion	NOUN
ejsice-4945	267	23	;	;	PUNCT
ejsice-4945	267	24	figure	figure	NOUN
ejsice-4945	267	25	4	4	NUM
ejsice-4945	267	26	:	:	PUNCT
ejsice-4945	267	27	convenient	convenient	ADJ
ejsice-4945	267	28	banking	banking	NOUN
ejsice-4945	267	29	inclusion	inclusion	NOUN
ejsice-4945	267	30	of	of	ADP
ejsice-4945	267	31	physically	physically	ADV
ejsice-4945	267	32	challenged	challenge	VERB
ejsice-4945	267	33	community	community	NOUN
ejsice-4945	267	34	source	source	NOUN
ejsice-4945	267	35	:	:	PUNCT
ejsice-4945	267	36	https://www.bayometric.com/nitgen-fingkey-hamster-ii-dx-usb-fingerprint-scanner/	https://www.bayometric.com/nitgen-fingkey-hamster-ii-dx-usb-fingerprint-scanner/	ADP
ejsice-4945	268	1	according	accord	VERB
ejsice-4945	268	2	to	to	ADP
ejsice-4945	268	3	world	world	PROPN
ejsice-4945	268	4	health	health	NOUN
ejsice-4945	268	5	organization	organization	NOUN
ejsice-4945	268	6	,	,	PUNCT
ejsice-4945	268	7	about	about	ADV
ejsice-4945	268	8	10	10	NUM
ejsice-4945	268	9	%	%	NOUN
ejsice-4945	268	10	of	of	ADP
ejsice-4945	268	11	global	global	ADJ
ejsice-4945	268	12	population	population	NOUN
ejsice-4945	268	13	are	be	AUX
ejsice-4945	268	14	experiencing	experience	VERB
ejsice-4945	268	15	disability8	disability8	NOUN
ejsice-4945	268	16	and	and	CCONJ
ejsice-4945	268	17	approximately	approximately	ADV
ejsice-4945	268	18	15	15	NUM
ejsice-4945	268	19	%	%	NOUN
ejsice-4945	268	20	or	or	CCONJ
ejsice-4945	268	21	1	1	NUM
ejsice-4945	268	22	billion	billion	NUM
ejsice-4945	268	23	world	world	NOUN
ejsice-4945	268	24	’s	’s	PART
ejsice-4945	268	25	population	population	NOUN
ejsice-4945	268	26	lives	live	VERB
ejsice-4945	268	27	with	with	ADP
ejsice-4945	268	28	at	at	ADP
ejsice-4945	268	29	least	least	ADJ
ejsice-4945	268	30	some	some	DET
ejsice-4945	268	31	sort	sort	NOUN
ejsice-4945	268	32	8	8	NUM
ejsice-4945	268	33	https://www.who.int/disabilities/world_report/2011/report/en/	https://www.who.int/disabilities/world_report/2011/report/en/	NOUN
ejsice-4945	268	34	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	268	35	european	european	PROPN
ejsice-4945	268	36	journal	journal	PROPN
ejsice-4945	268	37	of	of	ADP
ejsice-4945	268	38	social	social	ADJ
ejsice-4945	268	39	impact	impact	NOUN
ejsice-4945	268	40	and	and	CCONJ
ejsice-4945	268	41	circular	circular	ADJ
ejsice-4945	268	42	economy	economy	NOUN
ejsice-4945	268	43	issn	issn	NOUN
ejsice-4945	268	44	:	:	PUNCT
ejsice-4945	268	45	2704	2704	NUM
ejsice-4945	268	46	-	-	SYM
ejsice-4945	268	47	9906	9906	NUM
ejsice-4945	268	48	doi	doi	NOUN
ejsice-4945	268	49	:	:	PUNCT
ejsice-4945	268	50	10.13135/2704	10.13135/2704	NUM
ejsice-4945	268	51	-	-	SYM
ejsice-4945	268	52	9906/4945	9906/4945	NUM
ejsice-4945	268	53	published	publish	VERB
ejsice-4945	268	54	by	by	ADP
ejsice-4945	268	55	university	university	PROPN
ejsice-4945	268	56	of	of	ADP
ejsice-4945	268	57	turin	turin	PROPN
ejsice-4945	268	58	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	268	59	ejsice	ejsice	PROPN
ejsice-4945	268	60	content	content	NOUN
ejsice-4945	268	61	is	be	AUX
ejsice-4945	268	62	licensed	license	VERB
ejsice-4945	268	63	under	under	ADP
ejsice-4945	268	64	a	a	DET
ejsice-4945	268	65	creative	creative	ADJ
ejsice-4945	268	66	commons	common	NOUN
ejsice-4945	268	67	attribution	attribution	NOUN
ejsice-4945	268	68	4.0	4.0	NUM
ejsice-4945	268	69	international	international	ADJ
ejsice-4945	268	70	license	license	NOUN
ejsice-4945	268	71	86	86	NUM
ejsice-4945	268	72	of	of	ADP
ejsice-4945	268	73	disabilities9	disabilities9	PROPN
ejsice-4945	268	74	.	.	PUNCT
ejsice-4945	269	1	there	there	PRON
ejsice-4945	269	2	is	be	VERB
ejsice-4945	269	3	no	no	DET
ejsice-4945	269	4	such	such	ADJ
ejsice-4945	269	5	appropriate	appropriate	ADJ
ejsice-4945	269	6	data	datum	NOUN
ejsice-4945	269	7	available	available	ADJ
ejsice-4945	269	8	(	(	PUNCT
ejsice-4945	269	9	at	at	ADP
ejsice-4945	269	10	least	least	ADJ
ejsice-4945	269	11	i	i	PRON
ejsice-4945	269	12	failed	fail	VERB
ejsice-4945	269	13	to	to	PART
ejsice-4945	269	14	find	find	VERB
ejsice-4945	269	15	)	)	PUNCT
ejsice-4945	269	16	about	about	ADP
ejsice-4945	269	17	what	what	DET
ejsice-4945	269	18	percent	percent	NOUN
ejsice-4945	269	19	of	of	ADP
ejsice-4945	269	20	disable	disable	ADJ
ejsice-4945	269	21	community	community	NOUN
ejsice-4945	269	22	are	be	AUX
ejsice-4945	269	23	formally	formally	ADV
ejsice-4945	269	24	unbanked	unbanked	ADJ
ejsice-4945	269	25	but	but	CCONJ
ejsice-4945	269	26	there	there	PRON
ejsice-4945	269	27	is	be	VERB
ejsice-4945	269	28	a	a	DET
ejsice-4945	269	29	strong	strong	ADJ
ejsice-4945	269	30	positive	positive	ADJ
ejsice-4945	269	31	correlation	correlation	NOUN
ejsice-4945	269	32	among	among	ADP
ejsice-4945	269	33	the	the	DET
ejsice-4945	269	34	poverty	poverty	NOUN
ejsice-4945	269	35	,	,	PUNCT
ejsice-4945	269	36	disability	disability	NOUN
ejsice-4945	269	37	and	and	CCONJ
ejsice-4945	269	38	non	non	ADJ
ejsice-4945	269	39	-	-	ADJ
ejsice-4945	269	40	banking	banking	NOUN
ejsice-4945	269	41	.	.	PUNCT
ejsice-4945	270	1	financial	financial	ADJ
ejsice-4945	270	2	condition	condition	NOUN
ejsice-4945	270	3	of	of	ADP
ejsice-4945	270	4	most	most	ADJ
ejsice-4945	270	5	of	of	ADP
ejsice-4945	270	6	the	the	DET
ejsice-4945	270	7	disable	disable	ADJ
ejsice-4945	270	8	people	people	NOUN
ejsice-4945	270	9	that	that	PRON
ejsice-4945	270	10	belongs	belong	VERB
ejsice-4945	270	11	to	to	ADP
ejsice-4945	270	12	developing	develop	VERB
ejsice-4945	270	13	and	and	CCONJ
ejsice-4945	270	14	underdeveloped	underdeveloped	ADJ
ejsice-4945	270	15	countries	country	NOUN
ejsice-4945	270	16	are	be	AUX
ejsice-4945	270	17	poor	poor	ADJ
ejsice-4945	270	18	to	to	ADP
ejsice-4945	270	19	ultra	ultra	ADJ
ejsice-4945	270	20	-	-	NOUN
ejsice-4945	270	21	poor10	poor10	NOUN
ejsice-4945	270	22	.	.	PUNCT
ejsice-4945	271	1	however	however	ADV
ejsice-4945	271	2	,	,	PUNCT
ejsice-4945	271	3	bringing	bring	VERB
ejsice-4945	271	4	physically	physically	ADV
ejsice-4945	271	5	challenged	challenge	VERB
ejsice-4945	271	6	people	people	NOUN
ejsice-4945	271	7	under	under	ADP
ejsice-4945	271	8	social	social	ADJ
ejsice-4945	271	9	safety	safety	NOUN
ejsice-4945	271	10	net	net	NOUN
ejsice-4945	271	11	is	be	AUX
ejsice-4945	271	12	an	an	DET
ejsice-4945	271	13	on	on	ADV
ejsice-4945	271	14	-	-	PUNCT
ejsice-4945	271	15	going	go	VERB
ejsice-4945	271	16	process	process	NOUN
ejsice-4945	271	17	globally	globally	ADV
ejsice-4945	271	18	.	.	PUNCT
ejsice-4945	272	1	this	this	PRON
ejsice-4945	272	2	require	require	VERB
ejsice-4945	272	3	their	their	PRON
ejsice-4945	272	4	formal	formal	ADJ
ejsice-4945	272	5	financial	financial	ADJ
ejsice-4945	272	6	inclusion	inclusion	NOUN
ejsice-4945	272	7	not	not	PART
ejsice-4945	272	8	only	only	ADV
ejsice-4945	272	9	for	for	ADP
ejsice-4945	272	10	ensuring	ensure	VERB
ejsice-4945	272	11	transparency	transparency	NOUN
ejsice-4945	272	12	in	in	ADP
ejsice-4945	272	13	disbursement	disbursement	NOUN
ejsice-4945	272	14	but	but	CCONJ
ejsice-4945	272	15	also	also	ADV
ejsice-4945	272	16	for	for	ADP
ejsice-4945	272	17	truly	truly	ADV
ejsice-4945	272	18	empowering	empower	VERB
ejsice-4945	272	19	them	they	PRON
ejsice-4945	272	20	financially	financially	ADV
ejsice-4945	272	21	with	with	ADP
ejsice-4945	272	22	a	a	DET
ejsice-4945	272	23	real	real	ADJ
ejsice-4945	272	24	flavour	flavour	NOUN
ejsice-4945	272	25	.	.	PUNCT
ejsice-4945	273	1	take	take	VERB
ejsice-4945	273	2	the	the	DET
ejsice-4945	273	3	case	case	NOUN
ejsice-4945	273	4	of	of	ADP
ejsice-4945	273	5	mr	mr	PROPN
ejsice-4945	273	6	.	.	PROPN
ejsice-4945	273	7	mojaharul	mojaharul	PROPN
ejsice-4945	273	8	hoque	hoque	NOUN
ejsice-4945	273	9	from	from	ADP
ejsice-4945	273	10	chittagong	chittagong	PROPN
ejsice-4945	273	11	,	,	PUNCT
ejsice-4945	273	12	a	a	DET
ejsice-4945	273	13	physically	physically	ADV
ejsice-4945	273	14	challenged	challenge	VERB
ejsice-4945	273	15	freedom	freedom	NOUN
ejsice-4945	273	16	fighter	fighter	NOUN
ejsice-4945	273	17	of	of	ADP
ejsice-4945	273	18	liberation	liberation	NOUN
ejsice-4945	273	19	war	war	NOUN
ejsice-4945	273	20	of	of	ADP
ejsice-4945	273	21	bangladesh	bangladesh	NOUN
ejsice-4945	273	22	and	and	CCONJ
ejsice-4945	273	23	ex	ex	NOUN
ejsice-4945	273	24	-	-	NOUN
ejsice-4945	273	25	policeman	policeman	NOUN
ejsice-4945	273	26	who	who	PRON
ejsice-4945	273	27	got	get	VERB
ejsice-4945	273	28	severe	severe	ADJ
ejsice-4945	273	29	disability	disability	NOUN
ejsice-4945	273	30	from	from	ADP
ejsice-4945	273	31	war	war	NOUN
ejsice-4945	273	32	.	.	PUNCT
ejsice-4945	274	1	he	he	PRON
ejsice-4945	274	2	is	be	AUX
ejsice-4945	274	3	entitled	entitle	VERB
ejsice-4945	274	4	to	to	PART
ejsice-4945	274	5	receive	receive	VERB
ejsice-4945	274	6	the	the	DET
ejsice-4945	274	7	freedom	freedom	NOUN
ejsice-4945	274	8	fighter	fighter	NOUN
ejsice-4945	274	9	’s	’s	PART
ejsice-4945	274	10	allowance	allowance	NOUN
ejsice-4945	274	11	and	and	CCONJ
ejsice-4945	274	12	pension	pension	NOUN
ejsice-4945	274	13	from	from	ADP
ejsice-4945	274	14	police	police	NOUN
ejsice-4945	274	15	fund	fund	NOUN
ejsice-4945	274	16	but	but	CCONJ
ejsice-4945	274	17	has	have	VERB
ejsice-4945	274	18	to	to	PART
ejsice-4945	274	19	make	make	VERB
ejsice-4945	274	20	another	another	DET
ejsice-4945	274	21	struggle	struggle	NOUN
ejsice-4945	274	22	for	for	ADP
ejsice-4945	274	23	collecting	collect	VERB
ejsice-4945	274	24	his	his	PRON
ejsice-4945	274	25	allowance	allowance	NOUN
ejsice-4945	274	26	and	and	CCONJ
ejsice-4945	274	27	pension	pension	NOUN
ejsice-4945	274	28	.	.	PUNCT
ejsice-4945	275	1	the	the	DET
ejsice-4945	275	2	conventional	conventional	ADJ
ejsice-4945	275	3	brick	brick	NOUN
ejsice-4945	275	4	and	and	CCONJ
ejsice-4945	275	5	mortar	mortar	NOUN
ejsice-4945	275	6	type	type	NOUN
ejsice-4945	275	7	banking	banking	NOUN
ejsice-4945	275	8	system	system	NOUN
ejsice-4945	275	9	of	of	ADP
ejsice-4945	275	10	bangladesh	bangladesh	NOUN
ejsice-4945	275	11	is	be	AUX
ejsice-4945	275	12	responsible	responsible	ADJ
ejsice-4945	275	13	for	for	ADP
ejsice-4945	275	14	worsening	worsen	VERB
ejsice-4945	275	15	his	his	PRON
ejsice-4945	275	16	sufferings	suffering	NOUN
ejsice-4945	275	17	;	;	PUNCT
ejsice-4945	275	18	where	where	SCONJ
ejsice-4945	275	19	in	in	ADP
ejsice-4945	275	20	every	every	DET
ejsice-4945	275	21	month	month	NOUN
ejsice-4945	275	22	he	he	PRON
ejsice-4945	275	23	has	have	VERB
ejsice-4945	275	24	to	to	PART
ejsice-4945	275	25	travel	travel	VERB
ejsice-4945	275	26	to	to	ADP
ejsice-4945	275	27	upazilla	upazilla	NOUN
ejsice-4945	275	28	-	-	PUNCT
ejsice-4945	275	29	sadar	sadar	NOUN
ejsice-4945	275	30	(	(	PUNCT
ejsice-4945	275	31	sub	sub	ADJ
ejsice-4945	275	32	-	-	ADJ
ejsice-4945	275	33	urban	urban	ADJ
ejsice-4945	275	34	area	area	NOUN
ejsice-4945	275	35	)	)	PUNCT
ejsice-4945	275	36	where	where	SCONJ
ejsice-4945	275	37	bank	bank	NOUN
ejsice-4945	275	38	located	locate	VERB
ejsice-4945	275	39	,	,	PUNCT
ejsice-4945	275	40	for	for	ADP
ejsice-4945	275	41	proving	prove	VERB
ejsice-4945	275	42	his	his	PRON
ejsice-4945	275	43	aliveness	aliveness	NOUN
ejsice-4945	275	44	and	and	CCONJ
ejsice-4945	275	45	receiving	receive	VERB
ejsice-4945	275	46	the	the	DET
ejsice-4945	275	47	pension	pension	NOUN
ejsice-4945	275	48	.	.	PUNCT
ejsice-4945	276	1	9	9	NUM
ejsice-4945	276	2	https://www.worldbank.org/en/topic/disability	https://www.worldbank.org/en/topic/disability	NOUN
ejsice-4945	276	3	10	10	NUM
ejsice-4945	276	4	https://www.un.org/esa/socdev/enable/diswpa04.htm	https://www.un.org/esa/socdev/enable/diswpa04.htm	PROPN
ejsice-4945	276	5	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	276	6	european	european	PROPN
ejsice-4945	276	7	journal	journal	PROPN
ejsice-4945	276	8	of	of	ADP
ejsice-4945	276	9	social	social	ADJ
ejsice-4945	276	10	impact	impact	NOUN
ejsice-4945	276	11	and	and	CCONJ
ejsice-4945	276	12	circular	circular	ADJ
ejsice-4945	276	13	economy	economy	NOUN
ejsice-4945	276	14	issn	issn	NOUN
ejsice-4945	276	15	:	:	PUNCT
ejsice-4945	276	16	2704	2704	NUM
ejsice-4945	276	17	-	-	SYM
ejsice-4945	276	18	9906	9906	NUM
ejsice-4945	276	19	doi	doi	NOUN
ejsice-4945	276	20	:	:	PUNCT
ejsice-4945	276	21	10.13135/2704	10.13135/2704	NUM
ejsice-4945	276	22	-	-	SYM
ejsice-4945	276	23	9906/4945	9906/4945	NUM
ejsice-4945	276	24	published	publish	VERB
ejsice-4945	276	25	by	by	ADP
ejsice-4945	276	26	university	university	PROPN
ejsice-4945	276	27	of	of	ADP
ejsice-4945	276	28	turin	turin	PROPN
ejsice-4945	276	29	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	276	30	ejsice	ejsice	PROPN
ejsice-4945	276	31	content	content	NOUN
ejsice-4945	276	32	is	be	AUX
ejsice-4945	276	33	licensed	license	VERB
ejsice-4945	276	34	under	under	ADP
ejsice-4945	276	35	a	a	DET
ejsice-4945	276	36	creative	creative	ADJ
ejsice-4945	276	37	commons	common	NOUN
ejsice-4945	276	38	attribution	attribution	NOUN
ejsice-4945	276	39	4.0	4.0	NUM
ejsice-4945	276	40	international	international	ADJ
ejsice-4945	276	41	license	license	NOUN
ejsice-4945	276	42	87	87	NUM
ejsice-4945	276	43	figure	figure	NOUN
ejsice-4945	276	44	5	5	NUM
ejsice-4945	276	45	:	:	PUNCT
ejsice-4945	276	46	photografy	photografy	NOUN
ejsice-4945	276	47	of	of	ADP
ejsice-4945	276	48	mr	mr	PROPN
ejsice-4945	276	49	.	.	PROPN
ejsice-4945	276	50	mojaharul	mojaharul	PROPN
ejsice-4945	276	51	hoque	hoque	NOUN
ejsice-4945	276	52	from	from	ADP
ejsice-4945	276	53	chittagong	chittagong	PROPN
ejsice-4945	276	54	source	source	NOUN
ejsice-4945	276	55	:	:	PUNCT
ejsice-4945	276	56	author	author	NOUN
ejsice-4945	276	57	however	however	ADV
ejsice-4945	276	58	,	,	PUNCT
ejsice-4945	276	59	with	with	SCONJ
ejsice-4945	276	60	the	the	DET
ejsice-4945	276	61	agent	agent	NOUN
ejsice-4945	276	62	-	-	PUNCT
ejsice-4945	276	63	based	base	VERB
ejsice-4945	276	64	banking	banking	NOUN
ejsice-4945	276	65	model	model	NOUN
ejsice-4945	276	66	,	,	PUNCT
ejsice-4945	276	67	disable	disable	NOUN
ejsice-4945	276	68	and	and	CCONJ
ejsice-4945	276	69	physically	physically	ADV
ejsice-4945	276	70	challenged	challenge	VERB
ejsice-4945	276	71	people	people	NOUN
ejsice-4945	276	72	may	may	AUX
ejsice-4945	276	73	get	get	VERB
ejsice-4945	276	74	banking	banking	NOUN
ejsice-4945	276	75	service	service	NOUN
ejsice-4945	276	76	easily	easily	ADV
ejsice-4945	276	77	from	from	ADP
ejsice-4945	276	78	their	their	PRON
ejsice-4945	276	79	home	home	NOUN
ejsice-4945	276	80	or	or	CCONJ
ejsice-4945	276	81	nearby	nearby	ADV
ejsice-4945	276	82	.	.	PUNCT
ejsice-4945	277	1	this	this	PRON
ejsice-4945	277	2	will	will	AUX
ejsice-4945	277	3	reduce	reduce	VERB
ejsice-4945	277	4	the	the	DET
ejsice-4945	277	5	cost	cost	NOUN
ejsice-4945	277	6	of	of	ADP
ejsice-4945	277	7	availing	avail	VERB
ejsice-4945	277	8	banking	banking	NOUN
ejsice-4945	277	9	services	service	NOUN
ejsice-4945	277	10	,	,	PUNCT
ejsice-4945	277	11	eliminate	eliminate	VERB
ejsice-4945	277	12	harassments	harassment	NOUN
ejsice-4945	277	13	&	&	CCONJ
ejsice-4945	277	14	difficulties	difficulty	NOUN
ejsice-4945	277	15	on	on	ADP
ejsice-4945	277	16	financial	financial	ADJ
ejsice-4945	277	17	inclusion	inclusion	NOUN
ejsice-4945	277	18	.	.	PUNCT
ejsice-4945	278	1	this	this	PRON
ejsice-4945	278	2	might	might	AUX
ejsice-4945	278	3	also	also	ADV
ejsice-4945	278	4	ensure	ensure	VERB
ejsice-4945	278	5	the	the	DET
ejsice-4945	278	6	transparency	transparency	NOUN
ejsice-4945	278	7	of	of	ADP
ejsice-4945	278	8	the	the	DET
ejsice-4945	278	9	transactions	transaction	NOUN
ejsice-4945	278	10	and	and	CCONJ
ejsice-4945	278	11	government	government	NOUN
ejsice-4945	278	12	’s	’s	PART
ejsice-4945	278	13	disbursement	disbursement	NOUN
ejsice-4945	278	14	of	of	ADP
ejsice-4945	278	15	social	social	ADJ
ejsice-4945	278	16	benefits	benefit	NOUN
ejsice-4945	278	17	to	to	PART
ejsice-4945	278	18	underprivileged	underprivileged	ADJ
ejsice-4945	278	19	,	,	PUNCT
ejsice-4945	278	20	aged	aged	ADJ
ejsice-4945	278	21	/	/	SYM
ejsice-4945	278	22	retired	retire	VERB
ejsice-4945	278	23	,	,	PUNCT
ejsice-4945	278	24	physically	physically	ADV
ejsice-4945	278	25	challenged	challenge	VERB
ejsice-4945	278	26	and	and	CCONJ
ejsice-4945	278	27	related	related	ADJ
ejsice-4945	278	28	communities	community	NOUN
ejsice-4945	278	29	.	.	PUNCT
ejsice-4945	279	1	5.3	5.3	NUM
ejsice-4945	279	2	applicability	applicability	NOUN
ejsice-4945	279	3	of	of	ADP
ejsice-4945	279	4	the	the	DET
ejsice-4945	279	5	model	model	NOUN
ejsice-4945	279	6	agent	agent	NOUN
ejsice-4945	279	7	-	-	PUNCT
ejsice-4945	279	8	based	base	VERB
ejsice-4945	279	9	model	model	NOUN
ejsice-4945	279	10	is	be	AUX
ejsice-4945	279	11	in	in	ADP
ejsice-4945	279	12	practice	practice	NOUN
ejsice-4945	279	13	in	in	ADP
ejsice-4945	279	14	many	many	ADJ
ejsice-4945	279	15	underdeveloped	underdeveloped	ADJ
ejsice-4945	279	16	and	and	CCONJ
ejsice-4945	279	17	developing	develop	VERB
ejsice-4945	279	18	countries	country	NOUN
ejsice-4945	279	19	(	(	PUNCT
ejsice-4945	279	20	chude	chude	ADJ
ejsice-4945	279	21	and	and	CCONJ
ejsice-4945	279	22	chude	chude	ADJ
ejsice-4945	279	23	,	,	PUNCT
ejsice-4945	279	24	2014	2014	NUM
ejsice-4945	279	25	;	;	PUNCT
ejsice-4945	279	26	chiteli	chiteli	PROPN
ejsice-4945	279	27	,	,	PUNCT
ejsice-4945	279	28	2013	2013	NUM
ejsice-4945	279	29	)	)	PUNCT
ejsice-4945	279	30	of	of	ADP
ejsice-4945	279	31	the	the	DET
ejsice-4945	279	32	world	world	NOUN
ejsice-4945	279	33	,	,	PUNCT
ejsice-4945	279	34	which	which	PRON
ejsice-4945	279	35	generating	generate	VERB
ejsice-4945	279	36	huge	huge	ADJ
ejsice-4945	279	37	social	social	ADJ
ejsice-4945	279	38	,	,	PUNCT
ejsice-4945	279	39	economic	economic	ADJ
ejsice-4945	279	40	and	and	CCONJ
ejsice-4945	279	41	environmental	environmental	ADJ
ejsice-4945	279	42	positive	positive	ADJ
ejsice-4945	279	43	impact	impact	NOUN
ejsice-4945	279	44	there	there	ADV
ejsice-4945	279	45	.	.	PUNCT
ejsice-4945	280	1	along	along	ADP
ejsice-4945	280	2	with	with	ADP
ejsice-4945	280	3	hitting	hit	VERB
ejsice-4945	280	4	triple	triple	ADJ
ejsice-4945	280	5	-	-	PUNCT
ejsice-4945	280	6	bottom	bottom	NOUN
ejsice-4945	280	7	-	-	PUNCT
ejsice-4945	280	8	line	line	NOUN
ejsice-4945	280	9	,	,	PUNCT
ejsice-4945	280	10	this	this	DET
ejsice-4945	280	11	mechanism	mechanism	NOUN
ejsice-4945	280	12	may	may	AUX
ejsice-4945	280	13	serve	serve	VERB
ejsice-4945	280	14	the	the	DET
ejsice-4945	280	15	special	special	ADJ
ejsice-4945	280	16	group	group	NOUN
ejsice-4945	280	17	of	of	ADP
ejsice-4945	280	18	the	the	DET
ejsice-4945	280	19	society	society	NOUN
ejsice-4945	280	20	that	that	PRON
ejsice-4945	280	21	is	be	AUX
ejsice-4945	280	22	the	the	DET
ejsice-4945	280	23	physically	physically	ADV
ejsice-4945	280	24	challenged	challenge	VERB
ejsice-4945	280	25	community	community	NOUN
ejsice-4945	280	26	.	.	PUNCT
ejsice-4945	281	1	it	it	PRON
ejsice-4945	281	2	might	might	AUX
ejsice-4945	281	3	work	work	VERB
ejsice-4945	281	4	as	as	ADP
ejsice-4945	281	5	a	a	DET
ejsice-4945	281	6	handy	handy	ADJ
ejsice-4945	281	7	weapon	weapon	NOUN
ejsice-4945	281	8	of	of	ADP
ejsice-4945	281	9	eliminating	eliminate	VERB
ejsice-4945	281	10	inertia	inertia	NOUN
ejsice-4945	281	11	of	of	ADP
ejsice-4945	281	12	illiterate	illiterate	ADJ
ejsice-4945	281	13	people	people	NOUN
ejsice-4945	281	14	on	on	ADP
ejsice-4945	281	15	formal	formal	ADJ
ejsice-4945	281	16	financial	financial	ADJ
ejsice-4945	281	17	inclusion	inclusion	NOUN
ejsice-4945	281	18	.	.	PUNCT
ejsice-4945	282	1	it	it	PRON
ejsice-4945	282	2	will	will	AUX
ejsice-4945	282	3	also	also	ADV
ejsice-4945	282	4	enhance	enhance	VERB
ejsice-4945	282	5	the	the	DET
ejsice-4945	282	6	indigenous	indigenous	ADJ
ejsice-4945	282	7	fund	fund	NOUN
ejsice-4945	282	8	mobilization	mobilization	NOUN
ejsice-4945	282	9	via	via	ADP
ejsice-4945	282	10	remote	remote	ADJ
ejsice-4945	282	11	banking	banking	NOUN
ejsice-4945	282	12	network	network	NOUN
ejsice-4945	282	13	and	and	CCONJ
ejsice-4945	282	14	stimulate	stimulate	VERB
ejsice-4945	282	15	savings	saving	NOUN
ejsice-4945	282	16	tendency	tendency	NOUN
ejsice-4945	282	17	of	of	ADP
ejsice-4945	282	18	marginal	marginal	ADJ
ejsice-4945	282	19	inhabitants	inhabitant	NOUN
ejsice-4945	282	20	.	.	PUNCT
ejsice-4945	283	1	this	this	PRON
ejsice-4945	283	2	will	will	AUX
ejsice-4945	283	3	ultimately	ultimately	ADV
ejsice-4945	283	4	lead	lead	VERB
ejsice-4945	283	5	toward	toward	ADP
ejsice-4945	283	6	the	the	DET
ejsice-4945	283	7	productive	productive	ADJ
ejsice-4945	283	8	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	283	9	european	european	PROPN
ejsice-4945	283	10	journal	journal	PROPN
ejsice-4945	283	11	of	of	ADP
ejsice-4945	283	12	social	social	ADJ
ejsice-4945	283	13	impact	impact	NOUN
ejsice-4945	283	14	and	and	CCONJ
ejsice-4945	283	15	circular	circular	ADJ
ejsice-4945	283	16	economy	economy	NOUN
ejsice-4945	283	17	issn	issn	NOUN
ejsice-4945	283	18	:	:	PUNCT
ejsice-4945	283	19	2704	2704	NUM
ejsice-4945	283	20	-	-	SYM
ejsice-4945	283	21	9906	9906	NUM
ejsice-4945	283	22	doi	doi	NOUN
ejsice-4945	283	23	:	:	PUNCT
ejsice-4945	283	24	10.13135/2704	10.13135/2704	NUM
ejsice-4945	283	25	-	-	SYM
ejsice-4945	283	26	9906/4945	9906/4945	NUM
ejsice-4945	283	27	published	publish	VERB
ejsice-4945	283	28	by	by	ADP
ejsice-4945	283	29	university	university	PROPN
ejsice-4945	283	30	of	of	ADP
ejsice-4945	283	31	turin	turin	PROPN
ejsice-4945	283	32	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	283	33	ejsice	ejsice	PROPN
ejsice-4945	283	34	content	content	NOUN
ejsice-4945	283	35	is	be	AUX
ejsice-4945	283	36	licensed	license	VERB
ejsice-4945	283	37	under	under	ADP
ejsice-4945	283	38	a	a	DET
ejsice-4945	283	39	creative	creative	ADJ
ejsice-4945	283	40	commons	common	NOUN
ejsice-4945	283	41	attribution	attribution	NOUN
ejsice-4945	283	42	4.0	4.0	NUM
ejsice-4945	283	43	international	international	ADJ
ejsice-4945	283	44	license	license	NOUN
ejsice-4945	283	45	88	88	NUM
ejsice-4945	283	46	investment	investment	NOUN
ejsice-4945	283	47	and	and	CCONJ
ejsice-4945	283	48	balanced	balanced	ADJ
ejsice-4945	283	49	development	development	NOUN
ejsice-4945	283	50	.	.	PUNCT
ejsice-4945	284	1	very	very	ADV
ejsice-4945	284	2	specific	specific	ADJ
ejsice-4945	284	3	challenges	challenge	NOUN
ejsice-4945	284	4	of	of	ADP
ejsice-4945	284	5	brick	brick	NOUN
ejsice-4945	284	6	&	&	CCONJ
ejsice-4945	284	7	mortar	mortar	NOUN
ejsice-4945	284	8	type	type	NOUN
ejsice-4945	284	9	banking	banking	NOUN
ejsice-4945	284	10	system	system	NOUN
ejsice-4945	284	11	that	that	PRON
ejsice-4945	284	12	might	might	AUX
ejsice-4945	284	13	be	be	AUX
ejsice-4945	284	14	address	address	NOUN
ejsice-4945	284	15	by	by	ADP
ejsice-4945	284	16	the	the	DET
ejsice-4945	284	17	agent	agent	NOUN
ejsice-4945	284	18	-	-	PUNCT
ejsice-4945	284	19	based	base	VERB
ejsice-4945	284	20	banking	banking	NOUN
ejsice-4945	284	21	model	model	NOUN
ejsice-4945	284	22	are	be	AUX
ejsice-4945	284	23	;	;	PUNCT
ejsice-4945	284	24	•	•	ADP
ejsice-4945	284	25	existing	exist	VERB
ejsice-4945	284	26	high	high	ADJ
ejsice-4945	284	27	fixed	fix	VERB
ejsice-4945	284	28	&	&	CCONJ
ejsice-4945	284	29	operation	operation	NOUN
ejsice-4945	284	30	cost	cost	NOUN
ejsice-4945	284	31	of	of	ADP
ejsice-4945	284	32	spreading	spread	VERB
ejsice-4945	284	33	banking	banking	NOUN
ejsice-4945	284	34	network	network	NOUN
ejsice-4945	284	35	might	might	AUX
ejsice-4945	284	36	be	be	AUX
ejsice-4945	284	37	reduce	reduce	VERB
ejsice-4945	284	38	significantly	significantly	ADV
ejsice-4945	284	39	.	.	PUNCT
ejsice-4945	285	1	•	•	NUM
ejsice-4945	285	2	way	way	NOUN
ejsice-4945	285	3	of	of	ADP
ejsice-4945	285	4	incorporating	incorporate	VERB
ejsice-4945	285	5	illiterate	illiterate	ADJ
ejsice-4945	285	6	and	and	CCONJ
ejsice-4945	285	7	physically	physically	ADV
ejsice-4945	285	8	challenged	challenge	VERB
ejsice-4945	285	9	community	community	NOUN
ejsice-4945	285	10	under	under	ADP
ejsice-4945	285	11	formal	formal	ADJ
ejsice-4945	285	12	financial	financial	ADJ
ejsice-4945	285	13	system	system	NOUN
ejsice-4945	285	14	will	will	AUX
ejsice-4945	285	15	be	be	AUX
ejsice-4945	285	16	smoothen	smoothen	ADV
ejsice-4945	285	17	.	.	PUNCT
ejsice-4945	286	1	•	•	NUM
ejsice-4945	286	2	environmental	environmental	ADJ
ejsice-4945	286	3	footprint	footprint	NOUN
ejsice-4945	286	4	from	from	ADP
ejsice-4945	286	5	banking	banking	NOUN
ejsice-4945	286	6	industry	industry	NOUN
ejsice-4945	286	7	of	of	ADP
ejsice-4945	286	8	developing	develop	VERB
ejsice-4945	286	9	countries	country	NOUN
ejsice-4945	286	10	like	like	ADP
ejsice-4945	286	11	bangladesh	bangladesh	NOUN
ejsice-4945	286	12	,	,	PUNCT
ejsice-4945	286	13	will	will	AUX
ejsice-4945	286	14	be	be	AUX
ejsice-4945	286	15	minimize	minimize	VERB
ejsice-4945	286	16	notably	notably	ADV
ejsice-4945	286	17	especially	especially	ADV
ejsice-4945	286	18	through	through	ADP
ejsice-4945	286	19	non	non	ADJ
ejsice-4945	286	20	-	-	NOUN
ejsice-4945	286	21	use	use	NOUN
ejsice-4945	286	22	of	of	ADP
ejsice-4945	286	23	paper	paper	NOUN
ejsice-4945	286	24	cheque	cheque	NOUN
ejsice-4945	286	25	,	,	PUNCT
ejsice-4945	286	26	less	less	ADJ
ejsice-4945	286	27	employee	employee	NOUN
ejsice-4945	286	28	migration	migration	NOUN
ejsice-4945	286	29	,	,	PUNCT
ejsice-4945	286	30	sustainable	sustainable	ADJ
ejsice-4945	286	31	physical	physical	ADJ
ejsice-4945	286	32	structure	structure	NOUN
ejsice-4945	286	33	of	of	ADP
ejsice-4945	286	34	service	service	NOUN
ejsice-4945	286	35	station	station	NOUN
ejsice-4945	286	36	and	and	CCONJ
ejsice-4945	286	37	so	so	ADV
ejsice-4945	286	38	on	on	ADV
ejsice-4945	286	39	.	.	PUNCT
ejsice-4945	287	1	•	•	NUM
ejsice-4945	287	2	formal	formal	ADJ
ejsice-4945	287	3	financial	financial	ADJ
ejsice-4945	287	4	inclusion	inclusion	NOUN
ejsice-4945	287	5	of	of	ADP
ejsice-4945	287	6	marginal	marginal	ADJ
ejsice-4945	287	7	and	and	CCONJ
ejsice-4945	287	8	remote	remote	ADJ
ejsice-4945	287	9	community	community	NOUN
ejsice-4945	287	10	will	will	AUX
ejsice-4945	287	11	increase	increase	VERB
ejsice-4945	287	12	and	and	CCONJ
ejsice-4945	287	13	their	their	PRON
ejsice-4945	287	14	savings	saving	NOUN
ejsice-4945	287	15	propensity	propensity	NOUN
ejsice-4945	287	16	will	will	AUX
ejsice-4945	287	17	stimulate	stimulate	VERB
ejsice-4945	287	18	accordingly	accordingly	ADV
ejsice-4945	287	19	.	.	PUNCT
ejsice-4945	288	1	5.4	5.4	NUM
ejsice-4945	288	2	limitations	limitation	NOUN
ejsice-4945	288	3	of	of	ADP
ejsice-4945	288	4	the	the	DET
ejsice-4945	288	5	agent	agent	NOUN
ejsice-4945	288	6	-	-	PUNCT
ejsice-4945	288	7	based	base	VERB
ejsice-4945	288	8	banking	banking	NOUN
ejsice-4945	288	9	model	model	NOUN
ejsice-4945	288	10	functioning	functioning	NOUN
ejsice-4945	288	11	of	of	ADP
ejsice-4945	288	12	the	the	DET
ejsice-4945	288	13	agent	agent	NOUN
ejsice-4945	288	14	-	-	PUNCT
ejsice-4945	288	15	based	base	VERB
ejsice-4945	288	16	banking	banking	NOUN
ejsice-4945	288	17	model	model	NOUN
ejsice-4945	288	18	might	might	AUX
ejsice-4945	288	19	be	be	AUX
ejsice-4945	288	20	limited	limit	VERB
ejsice-4945	288	21	on	on	ADP
ejsice-4945	288	22	the	the	DET
ejsice-4945	288	23	several	several	ADJ
ejsice-4945	288	24	grounds	ground	NOUN
ejsice-4945	288	25	.	.	PUNCT
ejsice-4945	289	1	availability	availability	NOUN
ejsice-4945	289	2	of	of	ADP
ejsice-4945	289	3	electricity	electricity	NOUN
ejsice-4945	289	4	and	and	CCONJ
ejsice-4945	289	5	it	it	PRON
ejsice-4945	289	6	infrastructure	infrastructure	NOUN
ejsice-4945	289	7	or	or	CCONJ
ejsice-4945	289	8	internet	internet	NOUN
ejsice-4945	289	9	coverage	coverage	NOUN
ejsice-4945	289	10	of	of	ADP
ejsice-4945	289	11	the	the	DET
ejsice-4945	289	12	respective	respective	ADJ
ejsice-4945	289	13	territory	territory	NOUN
ejsice-4945	289	14	,	,	PUNCT
ejsice-4945	289	15	which	which	PRON
ejsice-4945	289	16	did	do	AUX
ejsice-4945	289	17	not	not	PART
ejsice-4945	289	18	considered	consider	VERB
ejsice-4945	289	19	in	in	ADP
ejsice-4945	289	20	this	this	DET
ejsice-4945	289	21	model	model	NOUN
ejsice-4945	289	22	.	.	PUNCT
ejsice-4945	290	1	the	the	DET
ejsice-4945	290	2	issue	issue	NOUN
ejsice-4945	290	3	of	of	ADP
ejsice-4945	290	4	grid	grid	NOUN
ejsice-4945	290	5	power	power	NOUN
ejsice-4945	290	6	might	might	AUX
ejsice-4945	290	7	be	be	AUX
ejsice-4945	290	8	resolved	resolve	VERB
ejsice-4945	290	9	through	through	ADP
ejsice-4945	290	10	solar	solar	ADJ
ejsice-4945	290	11	panel	panel	NOUN
ejsice-4945	290	12	in	in	ADP
ejsice-4945	290	13	remote	remote	ADJ
ejsice-4945	290	14	areas	area	NOUN
ejsice-4945	290	15	but	but	CCONJ
ejsice-4945	290	16	the	the	DET
ejsice-4945	290	17	internet	internet	NOUN
ejsice-4945	290	18	connectivity	connectivity	NOUN
ejsice-4945	290	19	might	might	AUX
ejsice-4945	290	20	a	a	DET
ejsice-4945	290	21	matter	matter	NOUN
ejsice-4945	290	22	of	of	ADP
ejsice-4945	290	23	concern	concern	NOUN
ejsice-4945	290	24	.	.	PUNCT
ejsice-4945	291	1	if	if	SCONJ
ejsice-4945	291	2	internet	internet	NOUN
ejsice-4945	291	3	providing	provide	VERB
ejsice-4945	291	4	mobile	mobile	ADJ
ejsice-4945	291	5	network	network	NOUN
ejsice-4945	291	6	is	be	AUX
ejsice-4945	291	7	not	not	PART
ejsice-4945	291	8	available	available	ADJ
ejsice-4945	291	9	in	in	ADP
ejsice-4945	291	10	remote	remote	ADJ
ejsice-4945	291	11	areas	area	NOUN
ejsice-4945	291	12	than	than	ADP
ejsice-4945	291	13	providing	provide	VERB
ejsice-4945	291	14	banking	banking	NOUN
ejsice-4945	291	15	service	service	NOUN
ejsice-4945	291	16	there	there	ADV
ejsice-4945	291	17	under	under	ADP
ejsice-4945	291	18	such	such	ADJ
ejsice-4945	291	19	model	model	NOUN
ejsice-4945	291	20	will	will	AUX
ejsice-4945	291	21	not	not	PART
ejsice-4945	291	22	be	be	AUX
ejsice-4945	291	23	possible	possible	ADJ
ejsice-4945	291	24	.	.	PUNCT
ejsice-4945	292	1	operation	operation	NOUN
ejsice-4945	292	2	cost	cost	NOUN
ejsice-4945	292	3	of	of	ADP
ejsice-4945	292	4	that	that	DET
ejsice-4945	292	5	sort	sort	NOUN
ejsice-4945	292	6	of	of	ADP
ejsice-4945	292	7	banking	banking	NOUN
ejsice-4945	292	8	model	model	NOUN
ejsice-4945	292	9	is	be	AUX
ejsice-4945	292	10	subject	subject	ADJ
ejsice-4945	292	11	to	to	ADP
ejsice-4945	292	12	the	the	DET
ejsice-4945	292	13	cost	cost	NOUN
ejsice-4945	292	14	of	of	ADP
ejsice-4945	292	15	internet	internet	NOUN
ejsice-4945	292	16	data	datum	NOUN
ejsice-4945	292	17	and	and	CCONJ
ejsice-4945	292	18	power	power	NOUN
ejsice-4945	292	19	as	as	ADV
ejsice-4945	292	20	well	well	ADV
ejsice-4945	292	21	.	.	PUNCT
ejsice-4945	293	1	finding	find	VERB
ejsice-4945	293	2	the	the	DET
ejsice-4945	293	3	literally	literally	ADV
ejsice-4945	293	4	and	and	CCONJ
ejsice-4945	293	5	financially	financially	ADV
ejsice-4945	293	6	eligible	eligible	ADJ
ejsice-4945	293	7	and	and	CCONJ
ejsice-4945	293	8	interested	interested	ADJ
ejsice-4945	293	9	local	local	ADJ
ejsice-4945	293	10	service	service	NOUN
ejsice-4945	293	11	provider	provider	NOUN
ejsice-4945	293	12	or	or	CCONJ
ejsice-4945	293	13	agent	agent	NOUN
ejsice-4945	293	14	in	in	ADP
ejsice-4945	293	15	remote	remote	ADJ
ejsice-4945	293	16	areas	area	NOUN
ejsice-4945	293	17	might	might	AUX
ejsice-4945	293	18	be	be	AUX
ejsice-4945	293	19	difficult	difficult	ADJ
ejsice-4945	293	20	.	.	PUNCT
ejsice-4945	294	1	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	294	2	european	european	PROPN
ejsice-4945	294	3	journal	journal	PROPN
ejsice-4945	294	4	of	of	ADP
ejsice-4945	294	5	social	social	ADJ
ejsice-4945	294	6	impact	impact	NOUN
ejsice-4945	294	7	and	and	CCONJ
ejsice-4945	294	8	circular	circular	ADJ
ejsice-4945	294	9	economy	economy	NOUN
ejsice-4945	294	10	issn	issn	NOUN
ejsice-4945	294	11	:	:	PUNCT
ejsice-4945	294	12	2704	2704	NUM
ejsice-4945	294	13	-	-	SYM
ejsice-4945	294	14	9906	9906	NUM
ejsice-4945	294	15	doi	doi	NOUN
ejsice-4945	294	16	:	:	PUNCT
ejsice-4945	294	17	10.13135/2704	10.13135/2704	NUM
ejsice-4945	294	18	-	-	SYM
ejsice-4945	294	19	9906/4945	9906/4945	NUM
ejsice-4945	294	20	published	publish	VERB
ejsice-4945	294	21	by	by	ADP
ejsice-4945	294	22	university	university	PROPN
ejsice-4945	294	23	of	of	ADP
ejsice-4945	294	24	turin	turin	PROPN
ejsice-4945	294	25	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	294	26	ejsice	ejsice	PROPN
ejsice-4945	294	27	content	content	NOUN
ejsice-4945	294	28	is	be	AUX
ejsice-4945	294	29	licensed	license	VERB
ejsice-4945	294	30	under	under	ADP
ejsice-4945	294	31	a	a	DET
ejsice-4945	294	32	creative	creative	ADJ
ejsice-4945	294	33	commons	common	NOUN
ejsice-4945	294	34	attribution	attribution	NOUN
ejsice-4945	294	35	4.0	4.0	NUM
ejsice-4945	294	36	international	international	ADJ
ejsice-4945	294	37	license	license	NOUN
ejsice-4945	294	38	89	89	NUM
ejsice-4945	294	39	6	6	NUM
ejsice-4945	294	40	.	.	PUNCT
ejsice-4945	294	41	qualitative	qualitative	ADJ
ejsice-4945	294	42	aspects	aspect	NOUN
ejsice-4945	294	43	of	of	ADP
ejsice-4945	294	44	the	the	DET
ejsice-4945	294	45	study	study	NOUN
ejsice-4945	294	46	6.1	6.1	NUM
ejsice-4945	294	47	respondent	respondent	NOUN
ejsice-4945	294	48	’s	’s	PART
ejsice-4945	294	49	orientation	orientation	NOUN
ejsice-4945	294	50	figure	figure	NOUN
ejsice-4945	294	51	6	6	NUM
ejsice-4945	294	52	:	:	PUNCT
ejsice-4945	294	53	respondent	respondent	NOUN
ejsice-4945	294	54	's	's	PART
ejsice-4945	294	55	orientation	orientation	NOUN
ejsice-4945	294	56	in	in	ADP
ejsice-4945	294	57	terms	term	NOUN
ejsice-4945	294	58	of	of	ADP
ejsice-4945	294	59	gender	gender	NOUN
ejsice-4945	294	60	source	source	NOUN
ejsice-4945	294	61	–	–	PUNCT
ejsice-4945	294	62	developed	develop	VERB
ejsice-4945	294	63	by	by	ADP
ejsice-4945	294	64	the	the	DET
ejsice-4945	294	65	authors	author	NOUN
ejsice-4945	294	66	in	in	ADP
ejsice-4945	294	67	terms	term	NOUN
ejsice-4945	294	68	of	of	ADP
ejsice-4945	294	69	the	the	DET
ejsice-4945	294	70	gender	gender	NOUN
ejsice-4945	294	71	differentiation	differentiation	NOUN
ejsice-4945	294	72	,	,	PUNCT
ejsice-4945	294	73	73	73	NUM
ejsice-4945	294	74	%	%	NOUN
ejsice-4945	294	75	of	of	ADP
ejsice-4945	294	76	total	total	ADJ
ejsice-4945	294	77	respondents	respondent	NOUN
ejsice-4945	294	78	are	be	AUX
ejsice-4945	294	79	male	male	ADJ
ejsice-4945	294	80	and	and	CCONJ
ejsice-4945	294	81	remaining	remain	VERB
ejsice-4945	294	82	are	be	AUX
ejsice-4945	294	83	female	female	ADJ
ejsice-4945	294	84	.	.	PUNCT
ejsice-4945	295	1	reason	reason	NOUN
ejsice-4945	295	2	behind	behind	ADP
ejsice-4945	295	3	this	this	DET
ejsice-4945	295	4	imparity	imparity	NOUN
ejsice-4945	295	5	might	might	AUX
ejsice-4945	295	6	be	be	AUX
ejsice-4945	295	7	the	the	DET
ejsice-4945	295	8	women	woman	NOUN
ejsice-4945	295	9	are	be	AUX
ejsice-4945	295	10	less	less	ADV
ejsice-4945	295	11	likely	likely	ADJ
ejsice-4945	295	12	to	to	PART
ejsice-4945	295	13	participate	participate	VERB
ejsice-4945	295	14	in	in	ADP
ejsice-4945	295	15	survey	survey	NOUN
ejsice-4945	295	16	.	.	PUNCT
ejsice-4945	296	1	figure	figure	VERB
ejsice-4945	296	2	7	7	NUM
ejsice-4945	296	3	:	:	PUNCT
ejsice-4945	296	4	pattern	pattern	NOUN
ejsice-4945	296	5	of	of	ADP
ejsice-4945	296	6	respondents	respondent	NOUN
ejsice-4945	296	7	source	source	NOUN
ejsice-4945	296	8	–	–	PUNCT
ejsice-4945	296	9	developed	develop	VERB
ejsice-4945	296	10	by	by	ADP
ejsice-4945	296	11	the	the	DET
ejsice-4945	296	12	authors	author	NOUN
ejsice-4945	296	13	73	73	NUM
ejsice-4945	296	14	%	%	NOUN
ejsice-4945	296	15	27	27	NUM
ejsice-4945	296	16	%	%	NOUN
ejsice-4945	296	17	male	male	ADJ
ejsice-4945	296	18	female	female	NOUN
ejsice-4945	296	19	65	65	NUM
ejsice-4945	296	20	%	%	NOUN
ejsice-4945	296	21	35	35	NUM
ejsice-4945	296	22	%	%	NOUN
ejsice-4945	296	23	pattern	pattern	NOUN
ejsice-4945	296	24	of	of	ADP
ejsice-4945	296	25	respondents	respondent	NOUN
ejsice-4945	296	26	bank	bank	NOUN
ejsice-4945	296	27	's	's	PART
ejsice-4945	296	28	staff	staff	NOUN
ejsice-4945	296	29	customer	customer	NOUN
ejsice-4945	296	30	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	296	31	european	european	PROPN
ejsice-4945	296	32	journal	journal	PROPN
ejsice-4945	296	33	of	of	ADP
ejsice-4945	296	34	social	social	ADJ
ejsice-4945	296	35	impact	impact	NOUN
ejsice-4945	296	36	and	and	CCONJ
ejsice-4945	296	37	circular	circular	ADJ
ejsice-4945	296	38	economy	economy	NOUN
ejsice-4945	296	39	issn	issn	NOUN
ejsice-4945	296	40	:	:	PUNCT
ejsice-4945	296	41	2704	2704	NUM
ejsice-4945	296	42	-	-	SYM
ejsice-4945	296	43	9906	9906	NUM
ejsice-4945	296	44	doi	doi	NOUN
ejsice-4945	296	45	:	:	PUNCT
ejsice-4945	296	46	10.13135/2704	10.13135/2704	NUM
ejsice-4945	296	47	-	-	SYM
ejsice-4945	296	48	9906/4945	9906/4945	NUM
ejsice-4945	296	49	published	publish	VERB
ejsice-4945	296	50	by	by	ADP
ejsice-4945	296	51	university	university	PROPN
ejsice-4945	296	52	of	of	ADP
ejsice-4945	296	53	turin	turin	PROPN
ejsice-4945	296	54	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	296	55	ejsice	ejsice	PROPN
ejsice-4945	296	56	content	content	NOUN
ejsice-4945	296	57	is	be	AUX
ejsice-4945	296	58	licensed	license	VERB
ejsice-4945	296	59	under	under	ADP
ejsice-4945	296	60	a	a	DET
ejsice-4945	296	61	creative	creative	ADJ
ejsice-4945	296	62	commons	common	NOUN
ejsice-4945	296	63	attribution	attribution	NOUN
ejsice-4945	296	64	4.0	4.0	NUM
ejsice-4945	296	65	international	international	ADJ
ejsice-4945	296	66	license	license	NOUN
ejsice-4945	296	67	90	90	NUM
ejsice-4945	296	68	about	about	ADV
ejsice-4945	296	69	one	one	NUM
ejsice-4945	296	70	-	-	PUNCT
ejsice-4945	296	71	third	third	NOUN
ejsice-4945	296	72	of	of	ADP
ejsice-4945	296	73	the	the	DET
ejsice-4945	296	74	respondents	respondent	NOUN
ejsice-4945	296	75	are	be	AUX
ejsice-4945	296	76	the	the	DET
ejsice-4945	296	77	existing	exist	VERB
ejsice-4945	296	78	customers	customer	NOUN
ejsice-4945	296	79	of	of	ADP
ejsice-4945	296	80	the	the	DET
ejsice-4945	296	81	bank	bank	NOUN
ejsice-4945	296	82	and	and	CCONJ
ejsice-4945	296	83	65	65	NUM
ejsice-4945	296	84	%	%	NOUN
ejsice-4945	296	85	from	from	ADP
ejsice-4945	296	86	the	the	DET
ejsice-4945	296	87	bank	bank	NOUN
ejsice-4945	296	88	officials	official	NOUN
ejsice-4945	296	89	,	,	PUNCT
ejsice-4945	296	90	either	either	CCONJ
ejsice-4945	296	91	from	from	ADP
ejsice-4945	296	92	agent	agent	NOUN
ejsice-4945	296	93	-	-	PUNCT
ejsice-4945	296	94	banking	banking	NOUN
ejsice-4945	296	95	or	or	CCONJ
ejsice-4945	296	96	conventional	conventional	ADJ
ejsice-4945	296	97	banks	bank	NOUN
ejsice-4945	296	98	.	.	PUNCT
ejsice-4945	297	1	this	this	PRON
ejsice-4945	297	2	is	be	AUX
ejsice-4945	297	3	quite	quite	ADV
ejsice-4945	297	4	fruitful	fruitful	ADJ
ejsice-4945	297	5	as	as	SCONJ
ejsice-4945	297	6	the	the	DET
ejsice-4945	297	7	staffs	staff	NOUN
ejsice-4945	297	8	of	of	ADP
ejsice-4945	297	9	banks	bank	NOUN
ejsice-4945	297	10	are	be	AUX
ejsice-4945	297	11	better	well	ADV
ejsice-4945	297	12	familiar	familiar	ADJ
ejsice-4945	297	13	with	with	ADP
ejsice-4945	297	14	their	their	PRON
ejsice-4945	297	15	business	business	NOUN
ejsice-4945	297	16	model	model	NOUN
ejsice-4945	297	17	.	.	PUNCT
ejsice-4945	298	1	figure	figure	VERB
ejsice-4945	298	2	8	8	NUM
ejsice-4945	298	3	:	:	PUNCT
ejsice-4945	298	4	respondent	respondent	NOUN
ejsice-4945	298	5	's	's	PART
ejsice-4945	298	6	affiliation	affiliation	NOUN
ejsice-4945	298	7	source	source	NOUN
ejsice-4945	298	8	–	–	PUNCT
ejsice-4945	298	9	developed	develop	VERB
ejsice-4945	298	10	by	by	ADP
ejsice-4945	298	11	the	the	DET
ejsice-4945	298	12	authors	author	NOUN
ejsice-4945	298	13	respondent	respondent	VERB
ejsice-4945	298	14	’s	’s	PART
ejsice-4945	298	15	affiliation	affiliation	NOUN
ejsice-4945	298	16	is	be	AUX
ejsice-4945	298	17	an	an	DET
ejsice-4945	298	18	important	important	ADJ
ejsice-4945	298	19	factor	factor	NOUN
ejsice-4945	298	20	regarding	regard	VERB
ejsice-4945	298	21	the	the	DET
ejsice-4945	298	22	relevancy	relevancy	NOUN
ejsice-4945	298	23	and	and	CCONJ
ejsice-4945	298	24	quality	quality	NOUN
ejsice-4945	298	25	of	of	ADP
ejsice-4945	298	26	data	datum	NOUN
ejsice-4945	298	27	.	.	PUNCT
ejsice-4945	299	1	within	within	ADP
ejsice-4945	299	2	collected	collect	VERB
ejsice-4945	299	3	samples	sample	NOUN
ejsice-4945	299	4	,	,	PUNCT
ejsice-4945	299	5	56	56	NUM
ejsice-4945	299	6	%	%	NOUN
ejsice-4945	299	7	respondents	respondent	NOUN
ejsice-4945	299	8	affiliated	affiliate	VERB
ejsice-4945	299	9	with	with	ADP
ejsice-4945	299	10	agent	agent	NOUN
ejsice-4945	299	11	banking	banking	NOUN
ejsice-4945	299	12	service	service	NOUN
ejsice-4945	299	13	of	of	ADP
ejsice-4945	299	14	three	three	NUM
ejsice-4945	299	15	banks	bank	NOUN
ejsice-4945	299	16	and	and	CCONJ
ejsice-4945	299	17	remaining	remain	VERB
ejsice-4945	299	18	44	44	NUM
ejsice-4945	299	19	%	%	NOUN
ejsice-4945	299	20	affiliated	affiliate	VERB
ejsice-4945	299	21	with	with	ADP
ejsice-4945	299	22	branch	branch	NOUN
ejsice-4945	299	23	-	-	PUNCT
ejsice-4945	299	24	level	level	NOUN
ejsice-4945	299	25	operations	operation	NOUN
ejsice-4945	299	26	of	of	ADP
ejsice-4945	299	27	four	four	NUM
ejsice-4945	299	28	commercial	commercial	ADJ
ejsice-4945	299	29	banks	bank	NOUN
ejsice-4945	299	30	.	.	PUNCT
ejsice-4945	300	1	more	more	ADJ
ejsice-4945	300	2	than	than	ADP
ejsice-4945	300	3	30	30	NUM
ejsice-4945	300	4	%	%	NOUN
ejsice-4945	300	5	of	of	ADP
ejsice-4945	300	6	total	total	ADJ
ejsice-4945	300	7	data	datum	NOUN
ejsice-4945	300	8	gathered	gather	VERB
ejsice-4945	300	9	from	from	ADP
ejsice-4945	300	10	the	the	DET
ejsice-4945	300	11	respondents	respondent	NOUN
ejsice-4945	300	12	affiliated	affiliate	VERB
ejsice-4945	300	13	with	with	ADP
ejsice-4945	300	14	mutual	mutual	ADJ
ejsice-4945	300	15	trust	trust	NOUN
ejsice-4945	300	16	bank	bank	NOUN
ejsice-4945	300	17	,	,	PUNCT
ejsice-4945	300	18	which	which	PRON
ejsice-4945	300	19	is	be	AUX
ejsice-4945	300	20	the	the	DET
ejsice-4945	300	21	highest	high	ADJ
ejsice-4945	300	22	single	single	ADJ
ejsice-4945	300	23	source	source	NOUN
ejsice-4945	300	24	.	.	PUNCT
ejsice-4945	301	1	it	it	PRON
ejsice-4945	301	2	followed	follow	VERB
ejsice-4945	301	3	by	by	ADP
ejsice-4945	301	4	nrb	nrb	PROPN
ejsice-4945	301	5	global	global	PROPN
ejsice-4945	301	6	bank	bank	PROPN
ejsice-4945	301	7	,	,	PUNCT
ejsice-4945	301	8	bank	bank	PROPN
ejsice-4945	301	9	asia	asia	PROPN
ejsice-4945	301	10	limited	limit	VERB
ejsice-4945	301	11	,	,	PUNCT
ejsice-4945	301	12	first	first	ADJ
ejsice-4945	301	13	security	security	NOUN
ejsice-4945	301	14	islami	islami	PROPN
ejsice-4945	301	15	bank	bank	PROPN
ejsice-4945	301	16	and	and	CCONJ
ejsice-4945	301	17	dutch	dutch	PROPN
ejsice-4945	301	18	-	-	PROPN
ejsice-4945	301	19	bangla	bangla	PROPN
ejsice-4945	301	20	bank	bank	PROPN
ejsice-4945	301	21	,	,	PUNCT
ejsice-4945	301	22	where	where	SCONJ
ejsice-4945	301	23	they	they	PRON
ejsice-4945	301	24	are	be	AUX
ejsice-4945	301	25	accounted	account	VERB
ejsice-4945	301	26	from	from	ADP
ejsice-4945	301	27	more	more	ADJ
ejsice-4945	301	28	than	than	ADP
ejsice-4945	301	29	10	10	NUM
ejsice-4945	301	30	%	%	NOUN
ejsice-4945	301	31	each	each	PRON
ejsice-4945	301	32	.	.	PUNCT
ejsice-4945	302	1	respondents	respondent	NOUN
ejsice-4945	302	2	affiliated	affiliate	VERB
ejsice-4945	302	3	with	with	ADP
ejsice-4945	302	4	ncc	ncc	PROPN
ejsice-4945	302	5	bank	bank	NOUN
ejsice-4945	302	6	accounted	account	VERB
ejsice-4945	302	7	for	for	ADP
ejsice-4945	302	8	8	8	NUM
ejsice-4945	302	9	%	%	NOUN
ejsice-4945	302	10	and	and	CCONJ
ejsice-4945	302	11	one	one	NUM
ejsice-4945	302	12	bank	bank	NOUN
ejsice-4945	302	13	accounted	account	VERB
ejsice-4945	302	14	from	from	ADP
ejsice-4945	302	15	5	5	NUM
ejsice-4945	302	16	%	%	NOUN
ejsice-4945	302	17	of	of	ADP
ejsice-4945	302	18	respective	respective	ADJ
ejsice-4945	302	19	data	datum	NOUN
ejsice-4945	302	20	.	.	PUNCT
ejsice-4945	303	1	branch	branch	NOUN
ejsice-4945	303	2	level	level	NOUN
ejsice-4945	303	3	ncc	ncc	PROPN
ejsice-4945	303	4	bank	bank	NOUN
ejsice-4945	303	5	o	o	PROPN
ejsice-4945	303	6	ne	ne	PROPN
ejsice-4945	303	7	bank	bank	PROPN
ejsice-4945	303	8	nrb	nrb	PROPN
ejsice-4945	303	9	global	global	PROPN
ejsice-4945	303	10	bank	bank	PROPN
ejsice-4945	303	11	first	first	PROPN
ejsice-4945	303	12	security	security	PROPN
ejsice-4945	303	13	islami	islami	PROPN
ejsice-4945	303	14	bank	bank	NOUN
ejsice-4945	303	15	agent	agent	NOUN
ejsice-4945	303	16	level	level	NOUN
ejsice-4945	303	17	mutual	mutual	ADJ
ejsice-4945	303	18	trust	trust	NOUN
ejsice-4945	303	19	bank	bank	PROPN
ejsice-4945	303	20	dutchbangla	dutchbangla	PROPN
ejsice-4945	303	21	bank	bank	PROPN
ejsice-4945	303	22	bank	bank	PROPN
ejsice-4945	303	23	asia	asia	PROPN
ejsice-4945	303	24	ltd	ltd	PROPN
ejsice-4945	303	25	.	.	PROPN
ejsice-4945	304	1	respondent	respondent	PROPN
ejsice-4945	304	2	's	's	PART
ejsice-4945	304	3	affiliation	affiliation	NOUN
ejsice-4945	304	4	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	304	5	european	european	PROPN
ejsice-4945	304	6	journal	journal	PROPN
ejsice-4945	304	7	of	of	ADP
ejsice-4945	304	8	social	social	ADJ
ejsice-4945	304	9	impact	impact	NOUN
ejsice-4945	304	10	and	and	CCONJ
ejsice-4945	304	11	circular	circular	ADJ
ejsice-4945	304	12	economy	economy	NOUN
ejsice-4945	304	13	issn	issn	NOUN
ejsice-4945	304	14	:	:	PUNCT
ejsice-4945	304	15	2704	2704	NUM
ejsice-4945	304	16	-	-	SYM
ejsice-4945	304	17	9906	9906	NUM
ejsice-4945	304	18	doi	doi	NOUN
ejsice-4945	304	19	:	:	PUNCT
ejsice-4945	304	20	10.13135/2704	10.13135/2704	NUM
ejsice-4945	304	21	-	-	SYM
ejsice-4945	304	22	9906/4945	9906/4945	NUM
ejsice-4945	304	23	published	publish	VERB
ejsice-4945	304	24	by	by	ADP
ejsice-4945	304	25	university	university	PROPN
ejsice-4945	304	26	of	of	ADP
ejsice-4945	304	27	turin	turin	PROPN
ejsice-4945	304	28	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	304	29	ejsice	ejsice	PROPN
ejsice-4945	304	30	content	content	NOUN
ejsice-4945	304	31	is	be	AUX
ejsice-4945	304	32	licensed	license	VERB
ejsice-4945	304	33	under	under	ADP
ejsice-4945	304	34	a	a	DET
ejsice-4945	304	35	creative	creative	ADJ
ejsice-4945	304	36	commons	common	NOUN
ejsice-4945	304	37	attribution	attribution	NOUN
ejsice-4945	304	38	4.0	4.0	NUM
ejsice-4945	304	39	international	international	ADJ
ejsice-4945	304	40	license	license	NOUN
ejsice-4945	304	41	91	91	NUM
ejsice-4945	304	42	6.2	6.2	NUM
ejsice-4945	304	43	respondent	respondent	NOUN
ejsice-4945	304	44	’s	’s	PART
ejsice-4945	304	45	opinion	opinion	NOUN
ejsice-4945	304	46	(	(	PUNCT
ejsice-4945	304	47	selected	select	VERB
ejsice-4945	304	48	)	)	PUNCT
ejsice-4945	304	49	“	"	PUNCT
ejsice-4945	304	50	agent	agent	NOUN
ejsice-4945	304	51	banking	banking	NOUN
ejsice-4945	304	52	wing	wing	NOUN
ejsice-4945	304	53	of	of	ADP
ejsice-4945	304	54	our	our	PRON
ejsice-4945	304	55	bank	bank	NOUN
ejsice-4945	304	56	is	be	AUX
ejsice-4945	304	57	one	one	NUM
ejsice-4945	304	58	of	of	ADP
ejsice-4945	304	59	the	the	DET
ejsice-4945	304	60	finest	fine	ADJ
ejsice-4945	304	61	additions	addition	NOUN
ejsice-4945	304	62	.	.	PUNCT
ejsice-4945	305	1	it	it	PRON
ejsice-4945	305	2	growing	grow	VERB
ejsice-4945	305	3	very	very	ADV
ejsice-4945	305	4	rapidly	rapidly	ADV
ejsice-4945	305	5	and	and	CCONJ
ejsice-4945	305	6	serving	serve	VERB
ejsice-4945	305	7	the	the	DET
ejsice-4945	305	8	remote	remote	ADJ
ejsice-4945	305	9	community	community	NOUN
ejsice-4945	305	10	.	.	PUNCT
ejsice-4945	306	1	agent	agent	NOUN
ejsice-4945	306	2	banking	banking	NOUN
ejsice-4945	306	3	centres	centre	NOUN
ejsice-4945	306	4	are	be	AUX
ejsice-4945	306	5	working	work	VERB
ejsice-4945	306	6	like	like	ADP
ejsice-4945	306	7	social	social	ADJ
ejsice-4945	306	8	enterprises	enterprise	NOUN
ejsice-4945	306	9	with	with	ADP
ejsice-4945	306	10	very	very	ADV
ejsice-4945	306	11	minimum	minimum	ADJ
ejsice-4945	306	12	ecological	ecological	ADJ
ejsice-4945	306	13	footprint	footprint	NOUN
ejsice-4945	306	14	.	.	PUNCT
ejsice-4945	307	1	with	with	ADP
ejsice-4945	307	2	the	the	DET
ejsice-4945	307	3	inception	inception	NOUN
ejsice-4945	307	4	of	of	ADP
ejsice-4945	307	5	about	about	ADV
ejsice-4945	307	6	four	four	NUM
ejsice-4945	307	7	years	year	NOUN
ejsice-4945	307	8	,	,	PUNCT
ejsice-4945	307	9	our	our	PRON
ejsice-4945	307	10	agent	agent	NOUN
ejsice-4945	307	11	-	-	PUNCT
ejsice-4945	307	12	banking	banking	NOUN
ejsice-4945	307	13	network	network	NOUN
ejsice-4945	307	14	surpassed	surpass	VERB
ejsice-4945	307	15	the	the	DET
ejsice-4945	307	16	branch	branch	NOUN
ejsice-4945	307	17	network	network	NOUN
ejsice-4945	307	18	.	.	PUNCT
ejsice-4945	308	1	the	the	DET
ejsice-4945	308	2	strategic	strategic	ADJ
ejsice-4945	308	3	implication	implication	NOUN
ejsice-4945	308	4	of	of	ADP
ejsice-4945	308	5	such	such	ADJ
ejsice-4945	308	6	banking	banking	NOUN
ejsice-4945	308	7	model	model	NOUN
ejsice-4945	308	8	is	be	AUX
ejsice-4945	308	9	really	really	ADV
ejsice-4945	308	10	wide	wide	ADJ
ejsice-4945	308	11	.	.	PUNCT
ejsice-4945	309	1	regarding	regard	VERB
ejsice-4945	309	2	this	this	DET
ejsice-4945	309	3	new	new	ADJ
ejsice-4945	309	4	-	-	PUNCT
ejsice-4945	309	5	normal	normal	ADJ
ejsice-4945	309	6	situation	situation	NOUN
ejsice-4945	309	7	resulting	result	VERB
ejsice-4945	309	8	from	from	ADP
ejsice-4945	309	9	covid-19	covid-19	PROPN
ejsice-4945	309	10	,	,	PUNCT
ejsice-4945	309	11	this	this	PRON
ejsice-4945	309	12	is	be	AUX
ejsice-4945	309	13	absolutely	absolutely	ADV
ejsice-4945	309	14	fit	fit	ADJ
ejsice-4945	309	15	.	.	PUNCT
ejsice-4945	310	1	people	people	NOUN
ejsice-4945	310	2	need	need	VERB
ejsice-4945	310	3	not	not	PART
ejsice-4945	310	4	to	to	PART
ejsice-4945	310	5	crowd	crowd	VERB
ejsice-4945	310	6	in	in	ADP
ejsice-4945	310	7	the	the	DET
ejsice-4945	310	8	branches	branch	NOUN
ejsice-4945	310	9	that	that	PRON
ejsice-4945	310	10	means	mean	VERB
ejsice-4945	310	11	less	less	ADV
ejsice-4945	310	12	travelling	travelling	ADJ
ejsice-4945	310	13	,	,	PUNCT
ejsice-4945	310	14	less	less	ADJ
ejsice-4945	310	15	chance	chance	NOUN
ejsice-4945	310	16	to	to	PART
ejsice-4945	310	17	be	be	AUX
ejsice-4945	310	18	infected	infect	VERB
ejsice-4945	310	19	or	or	CCONJ
ejsice-4945	310	20	spreading	spread	VERB
ejsice-4945	310	21	the	the	DET
ejsice-4945	310	22	corona	corona	NOUN
ejsice-4945	310	23	virus	virus	NOUN
ejsice-4945	310	24	.	.	PUNCT
ejsice-4945	311	1	in	in	ADP
ejsice-4945	311	2	certain	certain	ADJ
ejsice-4945	311	3	cases	case	NOUN
ejsice-4945	311	4	,	,	PUNCT
ejsice-4945	311	5	agents	agent	NOUN
ejsice-4945	311	6	provided	provide	VERB
ejsice-4945	311	7	banking	banking	NOUN
ejsice-4945	311	8	services	service	NOUN
ejsice-4945	311	9	at	at	ADP
ejsice-4945	311	10	the	the	DET
ejsice-4945	311	11	doorstep	doorstep	NOUN
ejsice-4945	311	12	of	of	ADP
ejsice-4945	311	13	needed	need	VERB
ejsice-4945	311	14	clients	client	NOUN
ejsice-4945	311	15	.	.	PUNCT
ejsice-4945	312	1	so	so	ADV
ejsice-4945	312	2	,	,	PUNCT
ejsice-4945	312	3	i	i	PRON
ejsice-4945	312	4	found	find	VERB
ejsice-4945	312	5	this	this	DET
ejsice-4945	312	6	model	model	NOUN
ejsice-4945	312	7	is	be	AUX
ejsice-4945	312	8	very	very	ADV
ejsice-4945	312	9	handy	handy	ADJ
ejsice-4945	312	10	and	and	CCONJ
ejsice-4945	312	11	as	as	ADP
ejsice-4945	312	12	a	a	DET
ejsice-4945	312	13	head	head	NOUN
ejsice-4945	312	14	of	of	ADP
ejsice-4945	312	15	agent	agent	NOUN
ejsice-4945	312	16	banking	banking	NOUN
ejsice-4945	312	17	department	department	NOUN
ejsice-4945	312	18	at	at	ADP
ejsice-4945	312	19	one	one	NUM
ejsice-4945	312	20	of	of	ADP
ejsice-4945	312	21	the	the	DET
ejsice-4945	312	22	country	country	NOUN
ejsice-4945	312	23	’s	’s	PART
ejsice-4945	312	24	leading	lead	VERB
ejsice-4945	312	25	private	private	ADJ
ejsice-4945	312	26	commercial	commercial	ADJ
ejsice-4945	312	27	bank	bank	NOUN
ejsice-4945	312	28	,	,	PUNCT
ejsice-4945	312	29	i	i	PRON
ejsice-4945	312	30	would	would	AUX
ejsice-4945	312	31	describe	describe	VERB
ejsice-4945	312	32	this	this	PRON
ejsice-4945	312	33	as	as	ADP
ejsice-4945	312	34	a	a	DET
ejsice-4945	312	35	silver	silver	ADJ
ejsice-4945	312	36	bullet	bullet	NOUN
ejsice-4945	312	37	toward	toward	ADP
ejsice-4945	312	38	the	the	DET
ejsice-4945	312	39	financial	financial	ADJ
ejsice-4945	312	40	inclusion	inclusion	NOUN
ejsice-4945	312	41	of	of	ADP
ejsice-4945	312	42	rural	rural	ADJ
ejsice-4945	312	43	population	population	NOUN
ejsice-4945	312	44	of	of	ADP
ejsice-4945	312	45	bangladesh	bangladesh	PROPN
ejsice-4945	312	46	”	"	PUNCT
ejsice-4945	312	47	.	.	PUNCT
ejsice-4945	313	1	mr	mr	PROPN
ejsice-4945	313	2	.	.	PROPN
ejsice-4945	313	3	madan	madan	PROPN
ejsice-4945	313	4	mahan	mahan	PROPN
ejsice-4945	313	5	karmakar	karmakar	PROPN
ejsice-4945	313	6	,	,	PUNCT
ejsice-4945	313	7	senior	senior	ADJ
ejsice-4945	313	8	executive	executive	ADJ
ejsice-4945	313	9	vice	vice	NOUN
ejsice-4945	313	10	-	-	NOUN
ejsice-4945	313	11	president	president	NOUN
ejsice-4945	313	12	&	&	CCONJ
ejsice-4945	313	13	head	head	PROPN
ejsice-4945	313	14	of	of	ADP
ejsice-4945	313	15	agent	agent	NOUN
ejsice-4945	313	16	banking	banking	PROPN
ejsice-4945	313	17	department	department	PROPN
ejsice-4945	313	18	mutual	mutual	PROPN
ejsice-4945	313	19	trust	trust	PROPN
ejsice-4945	313	20	bank	bank	PROPN
ejsice-4945	313	21	limited	limit	VERB
ejsice-4945	313	22	“	"	PUNCT
ejsice-4945	313	23	i	i	PRON
ejsice-4945	313	24	believe	believe	VERB
ejsice-4945	313	25	agent	agent	NOUN
ejsice-4945	313	26	-	-	PUNCT
ejsice-4945	313	27	banking	banking	NOUN
ejsice-4945	313	28	is	be	AUX
ejsice-4945	313	29	an	an	DET
ejsice-4945	313	30	innovative	innovative	ADJ
ejsice-4945	313	31	solution	solution	NOUN
ejsice-4945	313	32	in	in	ADP
ejsice-4945	313	33	the	the	DET
ejsice-4945	313	34	entire	entire	ADJ
ejsice-4945	313	35	banking	banking	NOUN
ejsice-4945	313	36	system	system	NOUN
ejsice-4945	313	37	but	but	CCONJ
ejsice-4945	313	38	it	it	PRON
ejsice-4945	313	39	’s	’	VERB
ejsice-4945	313	40	definitely	definitely	ADV
ejsice-4945	313	41	not	not	PART
ejsice-4945	313	42	a	a	DET
ejsice-4945	313	43	substitute	substitute	NOUN
ejsice-4945	313	44	of	of	ADP
ejsice-4945	313	45	regular	regular	ADJ
ejsice-4945	313	46	branch	branch	NOUN
ejsice-4945	313	47	banking	banking	NOUN
ejsice-4945	313	48	.	.	PUNCT
ejsice-4945	314	1	our	our	PRON
ejsice-4945	314	2	bank	bank	NOUN
ejsice-4945	314	3	still	still	ADV
ejsice-4945	314	4	not	not	PART
ejsice-4945	314	5	introduced	introduce	VERB
ejsice-4945	314	6	this	this	DET
ejsice-4945	314	7	model	model	NOUN
ejsice-4945	314	8	but	but	CCONJ
ejsice-4945	314	9	very	very	ADV
ejsice-4945	314	10	much	much	ADV
ejsice-4945	314	11	positive	positive	ADJ
ejsice-4945	314	12	about	about	ADP
ejsice-4945	314	13	this	this	PRON
ejsice-4945	314	14	as	as	SCONJ
ejsice-4945	314	15	it	it	PRON
ejsice-4945	314	16	incurs	incur	VERB
ejsice-4945	314	17	very	very	ADV
ejsice-4945	314	18	low	low	ADJ
ejsice-4945	314	19	cost	cost	NOUN
ejsice-4945	314	20	of	of	ADP
ejsice-4945	314	21	spreading	spread	VERB
ejsice-4945	314	22	service	service	NOUN
ejsice-4945	314	23	network	network	NOUN
ejsice-4945	314	24	”	"	PUNCT
ejsice-4945	314	25	.	.	PUNCT
ejsice-4945	315	1	mr	mr	PROPN
ejsice-4945	315	2	.	.	PROPN
ejsice-4945	315	3	forkan	forkan	PROPN
ejsice-4945	315	4	ali	ali	PROPN
ejsice-4945	315	5	,	,	PUNCT
ejsice-4945	315	6	operation	operation	NOUN
ejsice-4945	315	7	head	head	NOUN
ejsice-4945	315	8	,	,	PUNCT
ejsice-4945	315	9	nrb	nrb	PROPN
ejsice-4945	315	10	global	global	PROPN
ejsice-4945	315	11	bank	bank	PROPN
ejsice-4945	315	12	limited	limit	VERB
ejsice-4945	315	13	,	,	PUNCT
ejsice-4945	315	14	narayanhat	narayanhat	NOUN
ejsice-4945	315	15	branch	branch	NOUN
ejsice-4945	315	16	.	.	PUNCT
ejsice-4945	316	1	“	"	PUNCT
ejsice-4945	316	2	agent	agent	NOUN
ejsice-4945	316	3	banking	banking	NOUN
ejsice-4945	316	4	is	be	AUX
ejsice-4945	316	5	a	a	DET
ejsice-4945	316	6	strategic	strategic	ADJ
ejsice-4945	316	7	supplementary	supplementary	NOUN
ejsice-4945	316	8	to	to	ADP
ejsice-4945	316	9	retail	retail	ADJ
ejsice-4945	316	10	banking	banking	NOUN
ejsice-4945	316	11	.	.	PUNCT
ejsice-4945	317	1	in	in	ADP
ejsice-4945	317	2	bangladesh	bangladesh	PROPN
ejsice-4945	317	3	,	,	PUNCT
ejsice-4945	317	4	i	i	PRON
ejsice-4945	317	5	see	see	VERB
ejsice-4945	317	6	the	the	DET
ejsice-4945	317	7	future	future	NOUN
ejsice-4945	317	8	of	of	ADP
ejsice-4945	317	9	retail	retail	ADJ
ejsice-4945	317	10	banking	banking	NOUN
ejsice-4945	317	11	moving	move	VERB
ejsice-4945	317	12	toward	toward	ADP
ejsice-4945	317	13	agent	agent	NOUN
ejsice-4945	317	14	and/or	and/or	CCONJ
ejsice-4945	317	15	online	online	ADJ
ejsice-4945	317	16	banking	banking	NOUN
ejsice-4945	317	17	”	"	PUNCT
ejsice-4945	317	18	.	.	PUNCT
ejsice-4945	318	1	mr	mr	PROPN
ejsice-4945	318	2	.	.	PROPN
ejsice-4945	318	3	md	md	PROPN
ejsice-4945	318	4	.	.	PROPN
ejsice-4945	319	1	saiful	saiful	PROPN
ejsice-4945	319	2	islam	islam	PROPN
ejsice-4945	319	3	,	,	PUNCT
ejsice-4945	319	4	junior	junior	ADJ
ejsice-4945	319	5	officer	officer	NOUN
ejsice-4945	319	6	,	,	PUNCT
ejsice-4945	319	7	first	first	ADJ
ejsice-4945	319	8	security	security	NOUN
ejsice-4945	319	9	islami	islami	PROPN
ejsice-4945	319	10	bank	bank	PROPN
ejsice-4945	319	11	limited	limit	VERB
ejsice-4945	319	12	,	,	PUNCT
ejsice-4945	319	13	hathazari	hathazari	ADJ
ejsice-4945	319	14	branch	branch	NOUN
ejsice-4945	319	15	.	.	PUNCT
ejsice-4945	320	1	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	320	2	european	european	PROPN
ejsice-4945	320	3	journal	journal	PROPN
ejsice-4945	320	4	of	of	ADP
ejsice-4945	320	5	social	social	ADJ
ejsice-4945	320	6	impact	impact	NOUN
ejsice-4945	320	7	and	and	CCONJ
ejsice-4945	320	8	circular	circular	ADJ
ejsice-4945	320	9	economy	economy	NOUN
ejsice-4945	320	10	issn	issn	NOUN
ejsice-4945	320	11	:	:	PUNCT
ejsice-4945	320	12	2704	2704	NUM
ejsice-4945	320	13	-	-	SYM
ejsice-4945	320	14	9906	9906	NUM
ejsice-4945	320	15	doi	doi	NOUN
ejsice-4945	320	16	:	:	PUNCT
ejsice-4945	320	17	10.13135/2704	10.13135/2704	NUM
ejsice-4945	320	18	-	-	SYM
ejsice-4945	320	19	9906/4945	9906/4945	NUM
ejsice-4945	320	20	published	publish	VERB
ejsice-4945	320	21	by	by	ADP
ejsice-4945	320	22	university	university	PROPN
ejsice-4945	320	23	of	of	ADP
ejsice-4945	320	24	turin	turin	PROPN
ejsice-4945	320	25	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	320	26	ejsice	ejsice	PROPN
ejsice-4945	320	27	content	content	NOUN
ejsice-4945	320	28	is	be	AUX
ejsice-4945	320	29	licensed	license	VERB
ejsice-4945	320	30	under	under	ADP
ejsice-4945	320	31	a	a	DET
ejsice-4945	320	32	creative	creative	ADJ
ejsice-4945	320	33	commons	common	NOUN
ejsice-4945	320	34	attribution	attribution	NOUN
ejsice-4945	320	35	4.0	4.0	NUM
ejsice-4945	320	36	international	international	ADJ
ejsice-4945	320	37	license	license	NOUN
ejsice-4945	320	38	92	92	NUM
ejsice-4945	320	39	“	"	PUNCT
ejsice-4945	320	40	rural	rural	ADJ
ejsice-4945	320	41	people	people	NOUN
ejsice-4945	320	42	once	once	ADV
ejsice-4945	320	43	used	use	VERB
ejsice-4945	320	44	to	to	PART
ejsice-4945	320	45	engage	engage	VERB
ejsice-4945	320	46	with	with	ADP
ejsice-4945	320	47	ngos	ngo	NOUN
ejsice-4945	320	48	and	and	CCONJ
ejsice-4945	320	49	cooperative	cooperative	ADJ
ejsice-4945	320	50	societies	society	NOUN
ejsice-4945	320	51	for	for	ADP
ejsice-4945	320	52	their	their	PRON
ejsice-4945	320	53	savings	saving	NOUN
ejsice-4945	320	54	endeavour	endeavour	VERB
ejsice-4945	320	55	where	where	SCONJ
ejsice-4945	320	56	the	the	DET
ejsice-4945	320	57	risk	risk	NOUN
ejsice-4945	320	58	of	of	ADP
ejsice-4945	320	59	deception	deception	NOUN
ejsice-4945	320	60	was	be	AUX
ejsice-4945	320	61	very	very	ADV
ejsice-4945	320	62	high	high	ADJ
ejsice-4945	320	63	.	.	PUNCT
ejsice-4945	321	1	they	they	PRON
ejsice-4945	321	2	also	also	ADV
ejsice-4945	321	3	need	need	VERB
ejsice-4945	321	4	to	to	PART
ejsice-4945	321	5	travel	travel	VERB
ejsice-4945	321	6	a	a	DET
ejsice-4945	321	7	lot	lot	NOUN
ejsice-4945	321	8	to	to	PART
ejsice-4945	321	9	avail	avail	VERB
ejsice-4945	321	10	core	core	NOUN
ejsice-4945	321	11	-	-	PUNCT
ejsice-4945	321	12	banking	banking	NOUN
ejsice-4945	321	13	services	service	NOUN
ejsice-4945	321	14	.	.	PUNCT
ejsice-4945	322	1	with	with	ADP
ejsice-4945	322	2	the	the	DET
ejsice-4945	322	3	introduction	introduction	NOUN
ejsice-4945	322	4	of	of	ADP
ejsice-4945	322	5	agent	agent	NOUN
ejsice-4945	322	6	banking	banking	NOUN
ejsice-4945	322	7	,	,	PUNCT
ejsice-4945	322	8	those	those	DET
ejsice-4945	322	9	people	people	NOUN
ejsice-4945	322	10	might	might	AUX
ejsice-4945	322	11	get	get	VERB
ejsice-4945	322	12	the	the	DET
ejsice-4945	322	13	banking	banking	NOUN
ejsice-4945	322	14	service	service	NOUN
ejsice-4945	322	15	at	at	ADP
ejsice-4945	322	16	the	the	DET
ejsice-4945	322	17	nearby	nearby	ADJ
ejsice-4945	322	18	with	with	ADP
ejsice-4945	322	19	safety	safety	NOUN
ejsice-4945	322	20	and	and	CCONJ
ejsice-4945	322	21	security	security	NOUN
ejsice-4945	322	22	”	"	PUNCT
ejsice-4945	322	23	.	.	PUNCT
ejsice-4945	323	1	mr	mr	PROPN
ejsice-4945	323	2	.	.	PROPN
ejsice-4945	323	3	md	md	PROPN
ejsice-4945	323	4	.	.	PROPN
ejsice-4945	323	5	mamunur	mamunur	PROPN
ejsice-4945	323	6	rashid	rashid	PROPN
ejsice-4945	323	7	chowdhury	chowdhury	PROPN
ejsice-4945	323	8	customer	customer	PROPN
ejsice-4945	323	9	service	service	PROPN
ejsice-4945	323	10	executive	executive	PROPN
ejsice-4945	323	11	mutual	mutual	PROPN
ejsice-4945	323	12	trust	trust	PROPN
ejsice-4945	323	13	bank	bank	PROPN
ejsice-4945	323	14	limited	limit	VERB
ejsice-4945	323	15	,	,	PUNCT
ejsice-4945	323	16	east	east	NOUN
ejsice-4945	323	17	kalurghat	kalurghat	ADJ
ejsice-4945	323	18	agent	agent	NOUN
ejsice-4945	323	19	banking	banking	NOUN
ejsice-4945	323	20	centre	centre	NOUN
ejsice-4945	323	21	.	.	PUNCT
ejsice-4945	324	1	7	7	X
ejsice-4945	324	2	.	.	X
ejsice-4945	324	3	conclusion	conclusion	NOUN
ejsice-4945	324	4	the	the	DET
ejsice-4945	324	5	role	role	NOUN
ejsice-4945	324	6	of	of	ADP
ejsice-4945	324	7	banking	banking	NOUN
ejsice-4945	324	8	system	system	NOUN
ejsice-4945	324	9	in	in	ADP
ejsice-4945	324	10	wider	wide	ADJ
ejsice-4945	324	11	areas	area	NOUN
ejsice-4945	324	12	of	of	ADP
ejsice-4945	324	13	capital	capital	NOUN
ejsice-4945	324	14	formation	formation	NOUN
ejsice-4945	324	15	,	,	PUNCT
ejsice-4945	324	16	investment	investment	NOUN
ejsice-4945	324	17	and	and	CCONJ
ejsice-4945	324	18	economic	economic	ADJ
ejsice-4945	324	19	development	development	NOUN
ejsice-4945	324	20	is	be	AUX
ejsice-4945	324	21	unanimously	unanimously	ADV
ejsice-4945	324	22	recognized	recognize	VERB
ejsice-4945	324	23	.	.	PUNCT
ejsice-4945	325	1	unfortunately	unfortunately	ADV
ejsice-4945	325	2	,	,	PUNCT
ejsice-4945	325	3	in	in	ADP
ejsice-4945	325	4	this	this	DET
ejsice-4945	325	5	technologically	technologically	ADV
ejsice-4945	325	6	advanced	advanced	ADJ
ejsice-4945	325	7	world	world	NOUN
ejsice-4945	325	8	,	,	PUNCT
ejsice-4945	325	9	approximately	approximately	ADV
ejsice-4945	325	10	22.58	22.58	NUM
ejsice-4945	325	11	%	%	NOUN
ejsice-4945	325	12	of	of	ADP
ejsice-4945	325	13	global	global	ADJ
ejsice-4945	325	14	adult	adult	NOUN
ejsice-4945	325	15	population	population	NOUN
ejsice-4945	325	16	still	still	ADV
ejsice-4945	325	17	out	out	ADP
ejsice-4945	325	18	of	of	ADP
ejsice-4945	325	19	regulated	regulated	ADJ
ejsice-4945	325	20	financial	financial	ADJ
ejsice-4945	325	21	system	system	NOUN
ejsice-4945	325	22	and	and	CCONJ
ejsice-4945	325	23	most	most	ADJ
ejsice-4945	325	24	of	of	ADP
ejsice-4945	325	25	this	this	DET
ejsice-4945	325	26	unbanked	unbanked	ADJ
ejsice-4945	325	27	community	community	NOUN
ejsice-4945	325	28	belongs	belong	VERB
ejsice-4945	325	29	to	to	ADP
ejsice-4945	325	30	emerging	emerge	VERB
ejsice-4945	325	31	economies	economy	NOUN
ejsice-4945	325	32	.	.	PUNCT
ejsice-4945	326	1	to	to	PART
ejsice-4945	326	2	bring	bring	VERB
ejsice-4945	326	3	those	those	DET
ejsice-4945	326	4	unbanked	unbanked	ADJ
ejsice-4945	326	5	communities	community	NOUN
ejsice-4945	326	6	into	into	ADP
ejsice-4945	326	7	formal	formal	ADJ
ejsice-4945	326	8	banking	banking	NOUN
ejsice-4945	326	9	system	system	NOUN
ejsice-4945	326	10	,	,	PUNCT
ejsice-4945	326	11	agent	agent	NOUN
ejsice-4945	326	12	-	-	PUNCT
ejsice-4945	326	13	based	base	VERB
ejsice-4945	326	14	banking	banking	NOUN
ejsice-4945	326	15	model	model	NOUN
ejsice-4945	326	16	might	might	AUX
ejsice-4945	326	17	be	be	AUX
ejsice-4945	326	18	an	an	DET
ejsice-4945	326	19	efficient	efficient	ADJ
ejsice-4945	326	20	tool	tool	NOUN
ejsice-4945	326	21	.	.	PUNCT
ejsice-4945	327	1	this	this	DET
ejsice-4945	327	2	tool	tool	NOUN
ejsice-4945	327	3	contains	contain	VERB
ejsice-4945	327	4	the	the	DET
ejsice-4945	327	5	basic	basic	ADJ
ejsice-4945	327	6	traits	trait	NOUN
ejsice-4945	327	7	of	of	ADP
ejsice-4945	327	8	circular	circular	ADJ
ejsice-4945	327	9	economy	economy	NOUN
ejsice-4945	327	10	,	,	PUNCT
ejsice-4945	327	11	where	where	SCONJ
ejsice-4945	327	12	circular	circular	ADJ
ejsice-4945	327	13	business	business	NOUN
ejsice-4945	327	14	model	model	NOUN
ejsice-4945	327	15	in	in	ADP
ejsice-4945	327	16	service	service	NOUN
ejsice-4945	327	17	industry	industry	NOUN
ejsice-4945	327	18	covers	cover	VERB
ejsice-4945	327	19	wider	wide	ADJ
ejsice-4945	327	20	range	range	NOUN
ejsice-4945	327	21	of	of	ADP
ejsice-4945	327	22	clients	client	NOUN
ejsice-4945	327	23	/	/	SYM
ejsice-4945	327	24	customers	customer	NOUN
ejsice-4945	327	25	with	with	ADP
ejsice-4945	327	26	optimum	optimum	ADJ
ejsice-4945	327	27	costing	costing	NOUN
ejsice-4945	327	28	from	from	ADP
ejsice-4945	327	29	social	social	ADJ
ejsice-4945	327	30	,	,	PUNCT
ejsice-4945	327	31	economic	economic	ADJ
ejsice-4945	327	32	and	and	CCONJ
ejsice-4945	327	33	environmental	environmental	ADJ
ejsice-4945	327	34	perspectives	perspective	NOUN
ejsice-4945	327	35	.	.	PUNCT
ejsice-4945	328	1	however	however	ADV
ejsice-4945	328	2	,	,	PUNCT
ejsice-4945	328	3	this	this	DET
ejsice-4945	328	4	study	study	NOUN
ejsice-4945	328	5	prudently	prudently	ADV
ejsice-4945	328	6	identified	identify	VERB
ejsice-4945	328	7	several	several	ADJ
ejsice-4945	328	8	latent	latent	NOUN
ejsice-4945	328	9	constrains	constrain	VERB
ejsice-4945	328	10	toward	toward	ADP
ejsice-4945	328	11	formal	formal	ADJ
ejsice-4945	328	12	financial	financial	ADJ
ejsice-4945	328	13	inclusion	inclusion	NOUN
ejsice-4945	328	14	and	and	CCONJ
ejsice-4945	328	15	flagged	flag	VERB
ejsice-4945	328	16	following	follow	VERB
ejsice-4945	328	17	issues	issue	NOUN
ejsice-4945	328	18	;	;	PUNCT
ejsice-4945	328	19	•	•	X
ejsice-4945	328	20	by	by	ADP
ejsice-4945	328	21	leveraging	leverage	VERB
ejsice-4945	328	22	existing	exist	VERB
ejsice-4945	328	23	technology	technology	NOUN
ejsice-4945	328	24	,	,	PUNCT
ejsice-4945	328	25	knowledge	knowledge	NOUN
ejsice-4945	328	26	and	and	CCONJ
ejsice-4945	328	27	expertise	expertise	NOUN
ejsice-4945	328	28	,	,	PUNCT
ejsice-4945	328	29	applying	apply	VERB
ejsice-4945	328	30	a	a	DET
ejsice-4945	328	31	circular	circular	ADJ
ejsice-4945	328	32	business	business	NOUN
ejsice-4945	328	33	model	model	NOUN
ejsice-4945	328	34	for	for	ADP
ejsice-4945	328	35	brick	brick	NOUN
ejsice-4945	328	36	and	and	CCONJ
ejsice-4945	328	37	mortar	mortar	NOUN
ejsice-4945	328	38	type	type	NOUN
ejsice-4945	328	39	banks	bank	NOUN
ejsice-4945	328	40	is	be	AUX
ejsice-4945	328	41	very	very	ADV
ejsice-4945	328	42	much	much	ADV
ejsice-4945	328	43	feasible	feasible	ADJ
ejsice-4945	328	44	.	.	PUNCT
ejsice-4945	329	1	•	•	X
ejsice-4945	329	2	there	there	PRON
ejsice-4945	329	3	is	be	VERB
ejsice-4945	329	4	enough	enough	ADJ
ejsice-4945	329	5	scope	scope	NOUN
ejsice-4945	329	6	of	of	ADP
ejsice-4945	329	7	bringing	bring	VERB
ejsice-4945	329	8	physically	physically	ADV
ejsice-4945	329	9	challenged	challenge	VERB
ejsice-4945	329	10	,	,	PUNCT
ejsice-4945	329	11	disable	disable	ADJ
ejsice-4945	329	12	,	,	PUNCT
ejsice-4945	329	13	illiterate	illiterate	ADJ
ejsice-4945	329	14	and	and	CCONJ
ejsice-4945	329	15	remote	remote	ADJ
ejsice-4945	329	16	community	community	NOUN
ejsice-4945	329	17	under	under	ADP
ejsice-4945	329	18	formal	formal	ADJ
ejsice-4945	329	19	financial	financial	ADJ
ejsice-4945	329	20	system	system	NOUN
ejsice-4945	329	21	.	.	PUNCT
ejsice-4945	330	1	utilizing	utilize	VERB
ejsice-4945	330	2	those	those	DET
ejsice-4945	330	3	scopes	scope	NOUN
ejsice-4945	330	4	will	will	AUX
ejsice-4945	330	5	not	not	PART
ejsice-4945	330	6	only	only	ADV
ejsice-4945	330	7	enhance	enhance	VERB
ejsice-4945	330	8	the	the	DET
ejsice-4945	330	9	propensity	propensity	NOUN
ejsice-4945	330	10	of	of	ADP
ejsice-4945	330	11	financial	financial	ADJ
ejsice-4945	330	12	inclusion	inclusion	NOUN
ejsice-4945	330	13	but	but	CCONJ
ejsice-4945	330	14	also	also	ADV
ejsice-4945	330	15	stimulate	stimulate	VERB
ejsice-4945	330	16	transparency	transparency	NOUN
ejsice-4945	330	17	and	and	CCONJ
ejsice-4945	330	18	good	good	ADJ
ejsice-4945	330	19	governance	governance	NOUN
ejsice-4945	330	20	in	in	ADP
ejsice-4945	330	21	the	the	DET
ejsice-4945	330	22	concerning	concern	VERB
ejsice-4945	330	23	regions	region	NOUN
ejsice-4945	330	24	.	.	PUNCT
ejsice-4945	331	1	•	•	NUM
ejsice-4945	331	2	high	high	ADJ
ejsice-4945	331	3	fixed	fix	VERB
ejsice-4945	331	4	investment	investment	NOUN
ejsice-4945	331	5	,	,	PUNCT
ejsice-4945	331	6	high	high	ADJ
ejsice-4945	331	7	operating	operating	NOUN
ejsice-4945	331	8	cost	cost	NOUN
ejsice-4945	331	9	and	and	CCONJ
ejsice-4945	331	10	employee	employee	NOUN
ejsice-4945	331	11	migration	migration	NOUN
ejsice-4945	331	12	related	relate	VERB
ejsice-4945	331	13	with	with	ADP
ejsice-4945	331	14	spreading	spread	VERB
ejsice-4945	331	15	banking	banking	NOUN
ejsice-4945	331	16	network	network	NOUN
ejsice-4945	331	17	by	by	ADP
ejsice-4945	331	18	conventional	conventional	ADJ
ejsice-4945	331	19	commercial	commercial	ADJ
ejsice-4945	331	20	banks	bank	NOUN
ejsice-4945	331	21	may	may	AUX
ejsice-4945	331	22	be	be	AUX
ejsice-4945	331	23	reduce	reduce	VERB
ejsice-4945	331	24	significantly	significantly	ADV
ejsice-4945	331	25	through	through	ADP
ejsice-4945	331	26	the	the	DET
ejsice-4945	331	27	adoption	adoption	NOUN
ejsice-4945	331	28	of	of	ADP
ejsice-4945	331	29	agent	agent	NOUN
ejsice-4945	331	30	-	-	PUNCT
ejsice-4945	331	31	based	base	VERB
ejsice-4945	331	32	banking	banking	NOUN
ejsice-4945	331	33	model	model	NOUN
ejsice-4945	331	34	.	.	PUNCT
ejsice-4945	332	1	•	•	INTJ
ejsice-4945	332	2	there	there	PRON
ejsice-4945	332	3	is	be	VERB
ejsice-4945	332	4	a	a	DET
ejsice-4945	332	5	huge	huge	ADJ
ejsice-4945	332	6	potential	potential	NOUN
ejsice-4945	332	7	to	to	PART
ejsice-4945	332	8	lure	lure	VERB
ejsice-4945	332	9	marginal	marginal	ADJ
ejsice-4945	332	10	community	community	NOUN
ejsice-4945	332	11	into	into	ADP
ejsice-4945	332	12	regulated	regulated	ADJ
ejsice-4945	332	13	financial	financial	ADJ
ejsice-4945	332	14	system	system	NOUN
ejsice-4945	332	15	without	without	ADP
ejsice-4945	332	16	significant	significant	ADJ
ejsice-4945	332	17	investment	investment	NOUN
ejsice-4945	332	18	and	and	CCONJ
ejsice-4945	332	19	ensuring	ensure	VERB
ejsice-4945	332	20	affordable	affordable	ADJ
ejsice-4945	332	21	banking	banking	NOUN
ejsice-4945	332	22	services	service	NOUN
ejsice-4945	332	23	for	for	ADP
ejsice-4945	332	24	them	they	PRON
ejsice-4945	332	25	is	be	AUX
ejsice-4945	332	26	very	very	ADV
ejsice-4945	332	27	much	much	ADV
ejsice-4945	332	28	viable	viable	ADJ
ejsice-4945	332	29	.	.	PUNCT
ejsice-4945	333	1	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	333	2	european	european	PROPN
ejsice-4945	333	3	journal	journal	PROPN
ejsice-4945	333	4	of	of	ADP
ejsice-4945	333	5	social	social	ADJ
ejsice-4945	333	6	impact	impact	NOUN
ejsice-4945	333	7	and	and	CCONJ
ejsice-4945	333	8	circular	circular	ADJ
ejsice-4945	333	9	economy	economy	NOUN
ejsice-4945	333	10	issn	issn	NOUN
ejsice-4945	333	11	:	:	PUNCT
ejsice-4945	333	12	2704	2704	NUM
ejsice-4945	333	13	-	-	SYM
ejsice-4945	333	14	9906	9906	NUM
ejsice-4945	333	15	doi	doi	NOUN
ejsice-4945	333	16	:	:	PUNCT
ejsice-4945	333	17	10.13135/2704	10.13135/2704	NUM
ejsice-4945	333	18	-	-	SYM
ejsice-4945	333	19	9906/4945	9906/4945	NUM
ejsice-4945	333	20	published	publish	VERB
ejsice-4945	333	21	by	by	ADP
ejsice-4945	333	22	university	university	PROPN
ejsice-4945	333	23	of	of	ADP
ejsice-4945	333	24	turin	turin	PROPN
ejsice-4945	333	25	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	333	26	ejsice	ejsice	PROPN
ejsice-4945	333	27	content	content	NOUN
ejsice-4945	333	28	is	be	AUX
ejsice-4945	333	29	licensed	license	VERB
ejsice-4945	333	30	under	under	ADP
ejsice-4945	333	31	a	a	DET
ejsice-4945	333	32	creative	creative	ADJ
ejsice-4945	333	33	commons	common	NOUN
ejsice-4945	333	34	attribution	attribution	NOUN
ejsice-4945	333	35	4.0	4.0	NUM
ejsice-4945	333	36	international	international	ADJ
ejsice-4945	333	37	license	license	NOUN
ejsice-4945	333	38	93	93	NUM
ejsice-4945	333	39	essence	essence	NOUN
ejsice-4945	333	40	this	this	DET
ejsice-4945	333	41	study	study	NOUN
ejsice-4945	333	42	based	base	VERB
ejsice-4945	333	43	on	on	ADP
ejsice-4945	333	44	the	the	DET
ejsice-4945	333	45	primary	primary	ADJ
ejsice-4945	333	46	data	datum	NOUN
ejsice-4945	333	47	of	of	ADP
ejsice-4945	333	48	particular	particular	ADJ
ejsice-4945	333	49	region	region	NOUN
ejsice-4945	333	50	of	of	ADP
ejsice-4945	333	51	bangladesh	bangladesh	PROPN
ejsice-4945	333	52	and	and	CCONJ
ejsice-4945	333	53	the	the	DET
ejsice-4945	333	54	data	datum	NOUN
ejsice-4945	333	55	from	from	ADP
ejsice-4945	333	56	particular	particular	ADJ
ejsice-4945	333	57	area	area	NOUN
ejsice-4945	333	58	might	might	AUX
ejsice-4945	333	59	not	not	PART
ejsice-4945	333	60	represent	represent	VERB
ejsice-4945	333	61	the	the	DET
ejsice-4945	333	62	entire	entire	ADJ
ejsice-4945	333	63	universe	universe	NOUN
ejsice-4945	333	64	.	.	PUNCT
ejsice-4945	334	1	therefore	therefore	ADV
ejsice-4945	334	2	,	,	PUNCT
ejsice-4945	334	3	the	the	DET
ejsice-4945	334	4	effort	effort	NOUN
ejsice-4945	334	5	of	of	ADP
ejsice-4945	334	6	this	this	DET
ejsice-4945	334	7	study	study	NOUN
ejsice-4945	334	8	might	might	AUX
ejsice-4945	334	9	be	be	AUX
ejsice-4945	334	10	limited	limit	VERB
ejsice-4945	334	11	on	on	ADP
ejsice-4945	334	12	this	this	DET
ejsice-4945	334	13	ground	ground	NOUN
ejsice-4945	334	14	.	.	PUNCT
ejsice-4945	335	1	small	small	ADJ
ejsice-4945	335	2	sample	sample	NOUN
ejsice-4945	335	3	size	size	NOUN
ejsice-4945	335	4	might	might	AUX
ejsice-4945	335	5	be	be	AUX
ejsice-4945	335	6	another	another	DET
ejsice-4945	335	7	limitation	limitation	NOUN
ejsice-4945	335	8	of	of	ADP
ejsice-4945	335	9	this	this	DET
ejsice-4945	335	10	study	study	NOUN
ejsice-4945	335	11	.	.	PUNCT
ejsice-4945	336	1	still	still	ADV
ejsice-4945	336	2	,	,	PUNCT
ejsice-4945	336	3	it	it	PRON
ejsice-4945	336	4	might	might	AUX
ejsice-4945	336	5	be	be	AUX
ejsice-4945	336	6	interesting	interesting	ADJ
ejsice-4945	336	7	for	for	ADP
ejsice-4945	336	8	potential	potential	ADJ
ejsice-4945	336	9	researchers	researcher	NOUN
ejsice-4945	336	10	on	on	ADP
ejsice-4945	336	11	further	further	ADJ
ejsice-4945	336	12	development	development	NOUN
ejsice-4945	336	13	of	of	ADP
ejsice-4945	336	14	existing	exist	VERB
ejsice-4945	336	15	abm	abm	PROPN
ejsice-4945	336	16	and	and	CCONJ
ejsice-4945	336	17	the	the	DET
ejsice-4945	336	18	context	context	NOUN
ejsice-4945	336	19	based	base	VERB
ejsice-4945	336	20	adjustment	adjustment	NOUN
ejsice-4945	336	21	of	of	ADP
ejsice-4945	336	22	abm	abm	PROPN
ejsice-4945	336	23	,	,	PUNCT
ejsice-4945	336	24	since	since	SCONJ
ejsice-4945	336	25	the	the	DET
ejsice-4945	336	26	status	status	NOUN
ejsice-4945	336	27	of	of	ADP
ejsice-4945	336	28	prerequisites	prerequisite	NOUN
ejsice-4945	336	29	of	of	ADP
ejsice-4945	336	30	this	this	DET
ejsice-4945	336	31	model	model	NOUN
ejsice-4945	336	32	are	be	AUX
ejsice-4945	336	33	not	not	PART
ejsice-4945	336	34	identical	identical	ADJ
ejsice-4945	336	35	in	in	ADP
ejsice-4945	336	36	every	every	DET
ejsice-4945	336	37	country	country	NOUN
ejsice-4945	336	38	or	or	CCONJ
ejsice-4945	336	39	county	county	NOUN
ejsice-4945	336	40	,	,	PUNCT
ejsice-4945	336	41	especially	especially	ADV
ejsice-4945	336	42	internet	internet	NOUN
ejsice-4945	336	43	facility	facility	NOUN
ejsice-4945	336	44	.	.	PUNCT
ejsice-4945	337	1	considering	consider	VERB
ejsice-4945	337	2	the	the	DET
ejsice-4945	337	3	current	current	ADJ
ejsice-4945	337	4	pandemic	pandemic	ADJ
ejsice-4945	337	5	situation	situation	NOUN
ejsice-4945	337	6	,	,	PUNCT
ejsice-4945	337	7	the	the	DET
ejsice-4945	337	8	devastating	devastating	ADJ
ejsice-4945	337	9	effects	effect	NOUN
ejsice-4945	337	10	of	of	ADP
ejsice-4945	337	11	covid-19	covid-19	PROPN
ejsice-4945	337	12	is	be	AUX
ejsice-4945	337	13	leaving	leave	VERB
ejsice-4945	337	14	aggressive	aggressive	ADJ
ejsice-4945	337	15	footprint	footprint	NOUN
ejsice-4945	337	16	almost	almost	ADV
ejsice-4945	337	17	in	in	ADP
ejsice-4945	337	18	every	every	DET
ejsice-4945	337	19	industry	industry	NOUN
ejsice-4945	337	20	.	.	PUNCT
ejsice-4945	338	1	these	these	DET
ejsice-4945	338	2	effects	effect	NOUN
ejsice-4945	338	3	further	far	ADV
ejsice-4945	338	4	intensified	intensify	VERB
ejsice-4945	338	5	at	at	ADP
ejsice-4945	338	6	the	the	DET
ejsice-4945	338	7	banking	banking	NOUN
ejsice-4945	338	8	industry	industry	NOUN
ejsice-4945	338	9	owing	owe	VERB
ejsice-4945	338	10	its	its	PRON
ejsice-4945	338	11	high	high	ADJ
ejsice-4945	338	12	correlation	correlation	NOUN
ejsice-4945	338	13	with	with	ADP
ejsice-4945	338	14	different	different	ADJ
ejsice-4945	338	15	industries	industry	NOUN
ejsice-4945	338	16	.	.	PUNCT
ejsice-4945	339	1	in	in	ADP
ejsice-4945	339	2	this	this	DET
ejsice-4945	339	3	complex	complex	ADJ
ejsice-4945	339	4	situation	situation	NOUN
ejsice-4945	339	5	as	as	ADP
ejsice-4945	339	6	survival	survival	NOUN
ejsice-4945	339	7	strategy	strategy	NOUN
ejsice-4945	339	8	,	,	PUNCT
ejsice-4945	339	9	many	many	ADJ
ejsice-4945	339	10	private	private	ADJ
ejsice-4945	339	11	commercial	commercial	ADJ
ejsice-4945	339	12	banks	bank	NOUN
ejsice-4945	339	13	in	in	ADP
ejsice-4945	339	14	bangladesh	bangladesh	NOUN
ejsice-4945	339	15	have	have	AUX
ejsice-4945	339	16	been	be	AUX
ejsice-4945	339	17	clipping	clip	VERB
ejsice-4945	339	18	their	their	PRON
ejsice-4945	339	19	workforce	workforce	NOUN
ejsice-4945	339	20	and	and	CCONJ
ejsice-4945	339	21	several	several	ADJ
ejsice-4945	339	22	other	other	ADJ
ejsice-4945	339	23	banks	bank	NOUN
ejsice-4945	339	24	reduced	reduce	VERB
ejsice-4945	339	25	their	their	PRON
ejsice-4945	339	26	salary	salary	NOUN
ejsice-4945	339	27	-	-	PUNCT
ejsice-4945	339	28	base	base	NOUN
ejsice-4945	339	29	instead	instead	ADV
ejsice-4945	339	30	of	of	ADP
ejsice-4945	339	31	retrenchment	retrenchment	NOUN
ejsice-4945	339	32	,	,	PUNCT
ejsice-4945	339	33	media	medium	NOUN
ejsice-4945	339	34	reported11	reported11	NOUN
ejsice-4945	339	35	.	.	PUNCT
ejsice-4945	340	1	outcome	outcome	NOUN
ejsice-4945	340	2	of	of	ADP
ejsice-4945	340	3	this	this	DET
ejsice-4945	340	4	study	study	NOUN
ejsice-4945	340	5	might	might	AUX
ejsice-4945	340	6	act	act	VERB
ejsice-4945	340	7	as	as	ADP
ejsice-4945	340	8	a	a	DET
ejsice-4945	340	9	policy	policy	NOUN
ejsice-4945	340	10	feed	feed	NOUN
ejsice-4945	340	11	for	for	ADP
ejsice-4945	340	12	the	the	DET
ejsice-4945	340	13	conventional	conventional	ADJ
ejsice-4945	340	14	commercial	commercial	ADJ
ejsice-4945	340	15	banks	bank	NOUN
ejsice-4945	340	16	in	in	ADP
ejsice-4945	340	17	developing	develop	VERB
ejsice-4945	340	18	countries	country	NOUN
ejsice-4945	340	19	,	,	PUNCT
ejsice-4945	340	20	like	like	ADP
ejsice-4945	340	21	bangladesh	bangladesh	NOUN
ejsice-4945	340	22	,	,	PUNCT
ejsice-4945	340	23	whom	whom	PRON
ejsice-4945	340	24	are	be	AUX
ejsice-4945	340	25	looking	look	VERB
ejsice-4945	340	26	for	for	ADP
ejsice-4945	340	27	sustainable	sustainable	ADJ
ejsice-4945	340	28	transformation	transformation	NOUN
ejsice-4945	340	29	of	of	ADP
ejsice-4945	340	30	existing	exist	VERB
ejsice-4945	340	31	business	business	NOUN
ejsice-4945	340	32	model	model	NOUN
ejsice-4945	340	33	.	.	PUNCT
ejsice-4945	341	1	references	reference	NOUN
ejsice-4945	341	2	viviana	viviana	PROPN
ejsice-4945	341	3	bermúdez	bermúdez	PROPN
ejsice-4945	341	4	and	and	CCONJ
ejsice-4945	341	5	martin	martin	PROPN
ejsice-4945	341	6	alexander	alexander	PROPN
ejsice-4945	341	7	schneider	schneider	PROPN
ejsice-4945	341	8	(	(	PUNCT
ejsice-4945	341	9	2018	2018	NUM
ejsice-4945	341	10	)	)	PUNCT
ejsice-4945	341	11	challenges	challenge	NOUN
ejsice-4945	341	12	of	of	ADP
ejsice-4945	341	13	transforming	transform	VERB
ejsice-4945	341	14	a	a	DET
ejsice-4945	341	15	business	business	NOUN
ejsice-4945	341	16	model	model	NOUN
ejsice-4945	341	17	to	to	ADP
ejsice-4945	341	18	a	a	DET
ejsice-4945	341	19	sustainable	sustainable	ADJ
ejsice-4945	341	20	business	business	NOUN
ejsice-4945	341	21	model	model	NOUN
ejsice-4945	341	22	–	–	PUNCT
ejsice-4945	341	23	a	a	DET
ejsice-4945	341	24	case	case	NOUN
ejsice-4945	341	25	study	study	NOUN
ejsice-4945	341	26	based	base	VERB
ejsice-4945	341	27	on	on	ADP
ejsice-4945	341	28	ikea	ikea	NOUN
ejsice-4945	341	29	and	and	CCONJ
ejsice-4945	341	30	tetra	tetra	PROPN
ejsice-4945	341	31	pak	pak	PROPN
ejsice-4945	341	32	.	.	PUNCT
ejsice-4945	342	1	school	school	NOUN
ejsice-4945	342	2	of	of	ADP
ejsice-4945	342	3	economics	economics	PROPN
ejsice-4945	342	4	&	&	CCONJ
ejsice-4945	342	5	management	management	PROPN
ejsice-4945	342	6	,	,	PUNCT
ejsice-4945	342	7	lund	lund	PROPN
ejsice-4945	342	8	university	university	PROPN
ejsice-4945	342	9	.	.	PUNCT
ejsice-4945	343	1	mikael	mikael	PROPN
ejsice-4945	343	2	skou	skou	PROPN
ejsice-4945	343	3	andersen	andersen	PROPN
ejsice-4945	343	4	(	(	PUNCT
ejsice-4945	343	5	2007	2007	NUM
ejsice-4945	343	6	)	)	PUNCT
ejsice-4945	343	7	an	an	DET
ejsice-4945	343	8	introductory	introductory	ADJ
ejsice-4945	343	9	note	note	NOUN
ejsice-4945	343	10	on	on	ADP
ejsice-4945	343	11	the	the	DET
ejsice-4945	343	12	environmental	environmental	ADJ
ejsice-4945	343	13	economics	economic	NOUN
ejsice-4945	343	14	of	of	ADP
ejsice-4945	343	15	the	the	DET
ejsice-4945	343	16	circular	circular	ADJ
ejsice-4945	343	17	economy	economy	NOUN
ejsice-4945	343	18	.	.	PUNCT
ejsice-4945	344	1	sustain	sustain	VERB
ejsice-4945	344	2	sci	sci	PROPN
ejsice-4945	344	3	2	2	NUM
ejsice-4945	344	4	,	,	PUNCT
ejsice-4945	344	5	pp	pp	ADJ
ejsice-4945	344	6	.	.	PUNCT
ejsice-4945	345	1	133–140	133–140	NUM
ejsice-4945	345	2	.	.	PUNCT
ejsice-4945	346	1	n.m.p	n.m.p	AUX
ejsice-4945	346	2	.	.	PUNCT
ejsice-4945	346	3	bocken	bocken	PROPN
ejsice-4945	346	4	,	,	PUNCT
ejsice-4945	346	5	c.s.c	c.s.c	NOUN
ejsice-4945	346	6	.	.	PUNCT
ejsice-4945	347	1	schuit	schuit	NOUN
ejsice-4945	347	2	and	and	CCONJ
ejsice-4945	347	3	c.	c.	PROPN
ejsice-4945	347	4	kraaijenhagen	kraaijenhagen	PROPN
ejsice-4945	347	5	(	(	PUNCT
ejsice-4945	347	6	2018	2018	NUM
ejsice-4945	347	7	)	)	PUNCT
ejsice-4945	347	8	experimenting	experiment	VERB
ejsice-4945	347	9	with	with	ADP
ejsice-4945	347	10	a	a	DET
ejsice-4945	347	11	circular	circular	ADJ
ejsice-4945	347	12	business	business	NOUN
ejsice-4945	347	13	model	model	NOUN
ejsice-4945	347	14	:	:	PUNCT
ejsice-4945	347	15	lessons	lesson	NOUN
ejsice-4945	347	16	from	from	ADP
ejsice-4945	347	17	eight	eight	NUM
ejsice-4945	347	18	cases	case	NOUN
ejsice-4945	347	19	.	.	PUNCT
ejsice-4945	348	1	environmental	environmental	ADJ
ejsice-4945	348	2	innovation	innovation	NOUN
ejsice-4945	348	3	and	and	CCONJ
ejsice-4945	348	4	societal	societal	ADJ
ejsice-4945	348	5	transitions	transition	NOUN
ejsice-4945	348	6	.	.	PUNCT
ejsice-4945	349	1	jouni	jouni	PROPN
ejsice-4945	349	2	korhonen	korhonen	PROPN
ejsice-4945	349	3	,	,	PUNCT
ejsice-4945	349	4	antero	antero	PROPN
ejsice-4945	349	5	honkasalo	honkasalo	PROPN
ejsice-4945	349	6	,	,	PUNCT
ejsice-4945	349	7	jyri	jyri	NOUN
ejsice-4945	349	8	seppälä	seppälä	NOUN
ejsice-4945	349	9	(	(	PUNCT
ejsice-4945	349	10	2018	2018	NUM
ejsice-4945	349	11	)	)	PUNCT
ejsice-4945	349	12	circular	circular	ADJ
ejsice-4945	349	13	economy	economy	NOUN
ejsice-4945	349	14	:	:	PUNCT
ejsice-4945	349	15	the	the	DET
ejsice-4945	349	16	concept	concept	NOUN
ejsice-4945	349	17	and	and	CCONJ
ejsice-4945	349	18	its	its	PRON
ejsice-4945	349	19	limitations	limitation	NOUN
ejsice-4945	349	20	.	.	PUNCT
ejsice-4945	350	1	ecological	ecological	ADJ
ejsice-4945	350	2	economics	economic	NOUN
ejsice-4945	350	3	143	143	NUM
ejsice-4945	350	4	,	,	PUNCT
ejsice-4945	350	5	pp	pp	ADJ
ejsice-4945	350	6	.	.	PUNCT
ejsice-4945	351	1	37–46	37–46	NUM
ejsice-4945	351	2	martin	martin	PROPN
ejsice-4945	351	3	geissdoerfer	geissdoerfer	PROPN
ejsice-4945	351	4	,	,	PUNCT
ejsice-4945	351	5	paulo	paulo	PROPN
ejsice-4945	351	6	savaget	savaget	PROPN
ejsice-4945	351	7	,	,	PUNCT
ejsice-4945	351	8	nancy	nancy	PROPN
ejsice-4945	351	9	m.p	m.p	PROPN
ejsice-4945	351	10	.	.	PROPN
ejsice-4945	351	11	bocken	bocken	PROPN
ejsice-4945	351	12	and	and	CCONJ
ejsice-4945	351	13	erik	erik	PROPN
ejsice-4945	351	14	jan	jan	PROPN
ejsice-4945	351	15	hultink	hultink	PROPN
ejsice-4945	351	16	(	(	PUNCT
ejsice-4945	351	17	2017	2017	NUM
ejsice-4945	351	18	)	)	PUNCT
ejsice-4945	351	19	the	the	DET
ejsice-4945	351	20	circular	circular	ADJ
ejsice-4945	351	21	economy	economy	NOUN
ejsice-4945	351	22	–	–	PUNCT
ejsice-4945	351	23	a	a	DET
ejsice-4945	351	24	new	new	ADJ
ejsice-4945	351	25	sustainability	sustainability	NOUN
ejsice-4945	351	26	paradigm	paradigm	NOUN
ejsice-4945	351	27	?	?	PUNCT
ejsice-4945	352	1	journal	journal	NOUN
ejsice-4945	352	2	of	of	ADP
ejsice-4945	352	3	cleaner	clean	ADJ
ejsice-4945	352	4	production	production	NOUN
ejsice-4945	352	5	143	143	NUM
ejsice-4945	352	6	,	,	PUNCT
ejsice-4945	352	7	pp	pp	ADJ
ejsice-4945	352	8	.	.	PUNCT
ejsice-4945	353	1	757	757	NUM
ejsice-4945	353	2	–	–	PUNCT
ejsice-4945	353	3	768	768	NUM
ejsice-4945	353	4	nancy	nancy	NOUN
ejsice-4945	353	5	m.	m.	PROPN
ejsice-4945	353	6	p.	p.	PROPN
ejsice-4945	353	7	bocken	bocken	PROPN
ejsice-4945	353	8	,	,	PUNCT
ejsice-4945	353	9	ingrid	ingrid	PROPN
ejsice-4945	353	10	de	de	PROPN
ejsice-4945	353	11	pauw	pauw	PROPN
ejsice-4945	353	12	,	,	PUNCT
ejsice-4945	353	13	conny	conny	PROPN
ejsice-4945	353	14	bakker	bakker	PROPN
ejsice-4945	353	15	&	&	CCONJ
ejsice-4945	353	16	bram	bram	PROPN
ejsice-4945	353	17	van	van	PROPN
ejsice-4945	353	18	der	der	PROPN
ejsice-4945	353	19	grinten	grinten	PROPN
ejsice-4945	353	20	(	(	PUNCT
ejsice-4945	353	21	2016	2016	NUM
ejsice-4945	353	22	)	)	PUNCT
ejsice-4945	353	23	product	product	NOUN
ejsice-4945	353	24	11	11	NUM
ejsice-4945	353	25	https://en.prothomalo.com/business/local/fear-of-losing-jobs-salary-cut-in-banks	https://en.prothomalo.com/business/local/fear-of-losing-jobs-salary-cut-in-bank	VERB
ejsice-4945	353	26	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	353	27	european	european	PROPN
ejsice-4945	353	28	journal	journal	PROPN
ejsice-4945	353	29	of	of	ADP
ejsice-4945	353	30	social	social	ADJ
ejsice-4945	353	31	impact	impact	NOUN
ejsice-4945	353	32	and	and	CCONJ
ejsice-4945	353	33	circular	circular	ADJ
ejsice-4945	353	34	economy	economy	NOUN
ejsice-4945	353	35	issn	issn	NOUN
ejsice-4945	353	36	:	:	PUNCT
ejsice-4945	353	37	2704	2704	NUM
ejsice-4945	353	38	-	-	SYM
ejsice-4945	353	39	9906	9906	NUM
ejsice-4945	353	40	doi	doi	NOUN
ejsice-4945	353	41	:	:	PUNCT
ejsice-4945	353	42	10.13135/2704	10.13135/2704	NUM
ejsice-4945	353	43	-	-	SYM
ejsice-4945	353	44	9906/4945	9906/4945	NUM
ejsice-4945	353	45	published	publish	VERB
ejsice-4945	353	46	by	by	ADP
ejsice-4945	353	47	university	university	PROPN
ejsice-4945	353	48	of	of	ADP
ejsice-4945	353	49	turin	turin	PROPN
ejsice-4945	353	50	http://www.ojs.unito.it/index.php/ejsice/index	http://www.ojs.unito.it/index.php/ejsice/index	PROPN
ejsice-4945	353	51	ejsice	ejsice	PROPN
ejsice-4945	353	52	content	content	NOUN
ejsice-4945	353	53	is	be	AUX
ejsice-4945	353	54	licensed	license	VERB
ejsice-4945	353	55	under	under	ADP
ejsice-4945	353	56	a	a	DET
ejsice-4945	353	57	creative	creative	ADJ
ejsice-4945	353	58	commons	common	NOUN
ejsice-4945	353	59	attribution	attribution	NOUN
ejsice-4945	353	60	4.0	4.0	NUM
ejsice-4945	353	61	international	international	ADJ
ejsice-4945	353	62	license	license	NOUN
ejsice-4945	353	63	94	94	NUM
ejsice-4945	353	64	design	design	NOUN
ejsice-4945	353	65	and	and	CCONJ
ejsice-4945	353	66	business	business	NOUN
ejsice-4945	353	67	model	model	NOUN
ejsice-4945	353	68	strategies	strategy	NOUN
ejsice-4945	353	69	for	for	ADP
ejsice-4945	353	70	a	a	DET
ejsice-4945	353	71	circular	circular	ADJ
ejsice-4945	353	72	economy	economy	NOUN
ejsice-4945	353	73	.	.	PUNCT
ejsice-4945	354	1	journal	journal	PROPN
ejsice-4945	354	2	of	of	ADP
ejsice-4945	354	3	industrial	industrial	ADJ
ejsice-4945	354	4	and	and	CCONJ
ejsice-4945	354	5	production	production	NOUN
ejsice-4945	354	6	engineering	engineering	NOUN
ejsice-4945	354	7	,	,	PUNCT
ejsice-4945	354	8	33:5	33:5	NUM
ejsice-4945	354	9	,	,	PUNCT
ejsice-4945	354	10	pp	pp	ADJ
ejsice-4945	354	11	.	.	PUNCT
ejsice-4945	355	1	308	308	NUM
ejsice-4945	355	2	-	-	SYM
ejsice-4945	355	3	320	320	NUM
ejsice-4945	355	4	panayiotis	panayiotis	PROPN
ejsice-4945	355	5	p.	p.	NOUN
ejsice-4945	355	6	athanasoglou	athanasoglou	NOUN
ejsice-4945	355	7	,	,	PUNCT
ejsice-4945	355	8	sophocles	sophocles	PROPN
ejsice-4945	355	9	n.	n.	PROPN
ejsice-4945	355	10	brissimis	brissimis	PROPN
ejsice-4945	355	11	and	and	CCONJ
ejsice-4945	355	12	matthaios	matthaio	NOUN
ejsice-4945	355	13	d.	d.	PROPN
ejsice-4945	355	14	delis	delis	PROPN
ejsice-4945	355	15	(	(	PUNCT
ejsice-4945	355	16	2008	2008	NUM
ejsice-4945	355	17	)	)	PUNCT
ejsice-4945	355	18	bankspecific	bankspecific	NOUN
ejsice-4945	355	19	,	,	PUNCT
ejsice-4945	355	20	industry	industry	NOUN
ejsice-4945	355	21	-	-	PUNCT
ejsice-4945	355	22	specific	specific	ADJ
ejsice-4945	355	23	and	and	CCONJ
ejsice-4945	355	24	macroeconomic	macroeconomic	ADJ
ejsice-4945	355	25	determinants	determinant	NOUN
ejsice-4945	355	26	of	of	ADP
ejsice-4945	355	27	bank	bank	NOUN
ejsice-4945	355	28	profitability	profitability	NOUN
ejsice-4945	355	29	.	.	PUNCT
ejsice-4945	356	1	journal	journal	PROPN
ejsice-4945	356	2	of	of	ADP
ejsice-4945	356	3	international	international	ADJ
ejsice-4945	356	4	financial	financial	ADJ
ejsice-4945	356	5	markets	market	NOUN
ejsice-4945	356	6	,	,	PUNCT
ejsice-4945	356	7	institutions	institution	NOUN
ejsice-4945	356	8	and	and	CCONJ
ejsice-4945	356	9	money	money	NOUN
ejsice-4945	356	10	18	18	NUM
ejsice-4945	356	11	,	,	PUNCT
ejsice-4945	356	12	pp	pp	ADJ
ejsice-4945	356	13	.	.	PUNCT
ejsice-4945	357	1	121–136	121–136	NUM
ejsice-4945	357	2	leigh	leigh	PROPN
ejsice-4945	357	3	drake	drake	PROPN
ejsice-4945	357	4	,	,	PUNCT
ejsice-4945	357	5	maximilian	maximilian	PROPN
ejsice-4945	357	6	j.b	j.b	PROPN
ejsice-4945	357	7	.	.	PROPN
ejsice-4945	357	8	hall	hall	PROPN
ejsice-4945	357	9	and	and	CCONJ
ejsice-4945	357	10	richard	richard	PROPN
ejsice-4945	357	11	simper	simper	NOUN
ejsice-4945	357	12	(	(	PUNCT
ejsice-4945	357	13	2006	2006	NUM
ejsice-4945	357	14	)	)	PUNCT
ejsice-4945	357	15	the	the	DET
ejsice-4945	357	16	impact	impact	NOUN
ejsice-4945	357	17	of	of	ADP
ejsice-4945	357	18	macroeconomic	macroeconomic	ADJ
ejsice-4945	357	19	and	and	CCONJ
ejsice-4945	357	20	regulatory	regulatory	ADJ
ejsice-4945	357	21	factors	factor	NOUN
ejsice-4945	357	22	on	on	ADP
ejsice-4945	357	23	bank	bank	NOUN
ejsice-4945	357	24	efficiency	efficiency	NOUN
ejsice-4945	357	25	:	:	PUNCT
ejsice-4945	357	26	a	a	DET
ejsice-4945	357	27	non	non	ADJ
ejsice-4945	357	28	-	-	ADJ
ejsice-4945	357	29	parametric	parametric	ADJ
ejsice-4945	357	30	analysis	analysis	NOUN
ejsice-4945	357	31	of	of	ADP
ejsice-4945	357	32	hong	hong	PROPN
ejsice-4945	357	33	kong	kong	PROPN
ejsice-4945	357	34	’s	’s	PART
ejsice-4945	357	35	banking	banking	NOUN
ejsice-4945	357	36	system	system	NOUN
ejsice-4945	357	37	.	.	PUNCT
ejsice-4945	358	1	journal	journal	NOUN
ejsice-4945	358	2	of	of	ADP
ejsice-4945	358	3	banking	banking	NOUN
ejsice-4945	358	4	&	&	CCONJ
ejsice-4945	358	5	finance	finance	PROPN
ejsice-4945	358	6	,	,	PUNCT
ejsice-4945	358	7	30	30	NUM
ejsice-4945	358	8	,	,	PUNCT
ejsice-4945	358	9	pp	pp	ADJ
ejsice-4945	358	10	.	.	PUNCT
ejsice-4945	359	1	1443–1466	1443–1466	NUM
ejsice-4945	359	2	md	md	PROPN
ejsice-4945	359	3	.	.	PROPN
ejsice-4945	359	4	nur	nur	VERB
ejsice-4945	359	5	alam	alam	PROPN
ejsice-4945	359	6	siddik	siddik	PROPN
ejsice-4945	359	7	,	,	PUNCT
ejsice-4945	359	8	gang	gang	NOUN
ejsice-4945	359	9	sun	sun	NOUN
ejsice-4945	359	10	,	,	PUNCT
ejsice-4945	359	11	cui	cui	VERB
ejsice-4945	359	12	yanjuan	yanjuan	NOUN
ejsice-4945	359	13	and	and	CCONJ
ejsice-4945	359	14	sajal	sajal	ADJ
ejsice-4945	359	15	kabiraj	kabiraj	ADJ
ejsice-4945	359	16	(	(	PUNCT
ejsice-4945	359	17	2014	2014	NUM
ejsice-4945	359	18	)	)	PUNCT
ejsice-4945	359	19	financial	financial	ADJ
ejsice-4945	359	20	inclusion	inclusion	NOUN
ejsice-4945	359	21	through	through	ADP
ejsice-4945	359	22	mobile	mobile	ADJ
ejsice-4945	359	23	banking	banking	NOUN
ejsice-4945	359	24	:	:	PUNCT
ejsice-4945	359	25	a	a	DET
ejsice-4945	359	26	case	case	NOUN
ejsice-4945	359	27	of	of	ADP
ejsice-4945	359	28	bangladesh	bangladesh	PROPN
ejsice-4945	359	29	.	.	PUNCT
ejsice-4945	360	1	journal	journal	PROPN
ejsice-4945	360	2	of	of	ADP
ejsice-4945	360	3	applied	apply	VERB
ejsice-4945	360	4	finance	finance	NOUN
ejsice-4945	360	5	&	&	CCONJ
ejsice-4945	360	6	banking	banking	NOUN
ejsice-4945	360	7	,	,	PUNCT
ejsice-4945	360	8	vol	vol	NOUN
ejsice-4945	360	9	.	.	PROPN
ejsice-4945	360	10	4	4	NUM
ejsice-4945	360	11	,	,	PUNCT
ejsice-4945	360	12	no	no	INTJ
ejsice-4945	360	13	.	.	NOUN
ejsice-4945	360	14	6	6	NUM
ejsice-4945	360	15	,	,	PUNCT
ejsice-4945	360	16	pp	pp	ADJ
ejsice-4945	360	17	.	.	PUNCT
ejsice-4945	361	1	109	109	NUM
ejsice-4945	361	2	-	-	SYM
ejsice-4945	361	3	136	136	NUM
ejsice-4945	361	4	aijaz	aijaz	ADJ
ejsice-4945	361	5	a.	a.	NOUN
ejsice-4945	361	6	shaikh	shaikh	PROPN
ejsice-4945	361	7	and	and	CCONJ
ejsice-4945	361	8	heikki	heikki	PROPN
ejsice-4945	361	9	karjaluoto	karjaluoto	PROPN
ejsice-4945	361	10	(	(	PUNCT
ejsice-4945	361	11	2015	2015	NUM
ejsice-4945	361	12	)	)	PUNCT
ejsice-4945	361	13	mobile	mobile	ADJ
ejsice-4945	361	14	banking	banking	NOUN
ejsice-4945	361	15	adoption	adoption	NOUN
ejsice-4945	361	16	:	:	PUNCT
ejsice-4945	361	17	a	a	DET
ejsice-4945	361	18	literature	literature	NOUN
ejsice-4945	361	19	review	review	NOUN
ejsice-4945	361	20	,	,	PUNCT
ejsice-4945	361	21	telematics	telematic	NOUN
ejsice-4945	361	22	and	and	CCONJ
ejsice-4945	361	23	informatics	informatic	NOUN
ejsice-4945	361	24	32	32	NUM
ejsice-4945	361	25	,	,	PUNCT
ejsice-4945	361	26	pp	pp	ADJ
ejsice-4945	361	27	.	.	PUNCT
ejsice-4945	362	1	129–142	129–142	NUM
ejsice-4945	362	2	bhatt	bhatt	PROPN
ejsice-4945	362	3	a.	a.	PROPN
ejsice-4945	362	4	and	and	CCONJ
ejsice-4945	362	5	bhatt	bhatt	PROPN
ejsice-4945	362	6	s.	s.	PROPN
ejsice-4945	362	7	(	(	PUNCT
ejsice-4945	362	8	2016	2016	NUM
ejsice-4945	362	9	)	)	PUNCT
ejsice-4945	362	10	factors	factor	NOUN
ejsice-4945	362	11	affecting	affect	VERB
ejsice-4945	362	12	customer	customer	NOUN
ejsice-4945	362	13	’s	’s	PART
ejsice-4945	362	14	adoption	adoption	NOUN
ejsice-4945	362	15	of	of	ADP
ejsice-4945	362	16	mobile	mobile	ADJ
ejsice-4945	362	17	banking	banking	NOUN
ejsice-4945	362	18	services	service	NOUN
ejsice-4945	362	19	.	.	PUNCT
ejsice-4945	363	1	j	j	PROPN
ejsice-4945	363	2	internet	internet	PROPN
ejsice-4945	363	3	bank	bank	PROPN
ejsice-4945	363	4	commerce	commerce	PROPN
ejsice-4945	363	5	21	21	NUM
ejsice-4945	363	6	:	:	SYM
ejsice-4945	363	7	161	161	NUM
ejsice-4945	363	8	.	.	PUNCT
ejsice-4945	363	9	dhanalakshmi	dhanalakshmi	NOUN
ejsice-4945	363	10	arumugam	arumugam	ADJ
ejsice-4945	363	11	malar	malar	NOUN
ejsice-4945	363	12	,	,	PUNCT
ejsice-4945	363	13	viktor	viktor	NOUN
ejsice-4945	363	14	arvidsson	arvidsson	NOUN
ejsice-4945	363	15	&	&	CCONJ
ejsice-4945	363	16	jonny	jonny	PROPN
ejsice-4945	363	17	holmstrom	holmstrom	PROPN
ejsice-4945	363	18	(	(	PUNCT
ejsice-4945	363	19	2019	2019	NUM
ejsice-4945	363	20	)	)	PUNCT
ejsice-4945	363	21	digital	digital	ADJ
ejsice-4945	363	22	transformation	transformation	NOUN
ejsice-4945	363	23	in	in	ADP
ejsice-4945	363	24	banking	banking	NOUN
ejsice-4945	363	25	:	:	PUNCT
ejsice-4945	363	26	exploring	explore	VERB
ejsice-4945	363	27	value	value	NOUN
ejsice-4945	363	28	co	co	NOUN
ejsice-4945	363	29	-	-	NOUN
ejsice-4945	363	30	creation	creation	NOUN
ejsice-4945	363	31	in	in	ADP
ejsice-4945	363	32	online	online	ADJ
ejsice-4945	363	33	banking	banking	NOUN
ejsice-4945	363	34	services	service	NOUN
ejsice-4945	363	35	in	in	ADP
ejsice-4945	363	36	india	india	PROPN
ejsice-4945	363	37	.	.	PUNCT
ejsice-4945	364	1	journal	journal	PROPN
ejsice-4945	364	2	of	of	ADP
ejsice-4945	364	3	global	global	ADJ
ejsice-4945	364	4	information	information	PROPN
ejsice-4945	364	5	technology	technology	NOUN
ejsice-4945	364	6	management	management	NOUN
ejsice-4945	364	7	,	,	PUNCT
ejsice-4945	364	8	22:1	22:1	NUM
ejsice-4945	364	9	,	,	PUNCT
ejsice-4945	364	10	7	7	NUM
ejsice-4945	364	11	-	-	SYM
ejsice-4945	364	12	24	24	NUM
ejsice-4945	364	13	goncalo	goncalo	NOUN
ejsice-4945	364	14	baptista	baptista	PROPN
ejsice-4945	364	15	,	,	PUNCT
ejsice-4945	364	16	tiago	tiago	PROPN
ejsice-4945	364	17	oliveira	oliveira	PROPN
ejsice-4945	364	18	(	(	PUNCT
ejsice-4945	364	19	2017	2017	NUM
ejsice-4945	364	20	)	)	PUNCT
ejsice-4945	364	21	.	.	PUNCT
ejsice-4945	365	1	why	why	SCONJ
ejsice-4945	365	2	so	so	ADV
ejsice-4945	365	3	serious	serious	ADJ
ejsice-4945	365	4	?	?	PUNCT
ejsice-4945	366	1	gamification	gamification	NOUN
ejsice-4945	366	2	impact	impact	NOUN
ejsice-4945	366	3	in	in	ADP
ejsice-4945	366	4	the	the	DET
ejsice-4945	366	5	acceptance	acceptance	NOUN
ejsice-4945	366	6	of	of	ADP
ejsice-4945	366	7	mobile	mobile	ADJ
ejsice-4945	366	8	banking	banking	NOUN
ejsice-4945	366	9	services	service	NOUN
ejsice-4945	366	10	.	.	PUNCT
ejsice-4945	367	1	internet	internet	NOUN
ejsice-4945	367	2	research	research	NOUN
ejsice-4945	367	3	,	,	PUNCT
ejsice-4945	367	4	vol	vol	NOUN
ejsice-4945	367	5	.	.	PROPN
ejsice-4945	367	6	27	27	NUM
ejsice-4945	367	7	issue	issue	NOUN
ejsice-4945	367	8	:	:	PUNCT
ejsice-4945	367	9	1	1	NUM
ejsice-4945	367	10	,	,	PUNCT
ejsice-4945	367	11	pp.118	pp.118	PROPN
ejsice-4945	367	12	-	-	PUNCT
ejsice-4945	367	13	139	139	NUM
ejsice-4945	367	14	demirgüç	demirgüç	NOUN
ejsice-4945	367	15	-	-	PUNCT
ejsice-4945	367	16	kunt	kunt	PROPN
ejsice-4945	367	17	,	,	PUNCT
ejsice-4945	367	18	asli	asli	PROPN
ejsice-4945	367	19	,	,	PUNCT
ejsice-4945	367	20	leora	leora	PROPN
ejsice-4945	367	21	klapper	klapper	PROPN
ejsice-4945	367	22	,	,	PUNCT
ejsice-4945	367	23	dorothe	dorothe	PRON
ejsice-4945	367	24	singer	singer	NOUN
ejsice-4945	367	25	,	,	PUNCT
ejsice-4945	367	26	saniya	saniya	PROPN
ejsice-4945	367	27	ansar	ansar	PROPN
ejsice-4945	367	28	,	,	PUNCT
ejsice-4945	367	29	and	and	CCONJ
ejsice-4945	367	30	jake	jake	PROPN
ejsice-4945	367	31	hess	hess	PROPN
ejsice-4945	367	32	(	(	PUNCT
ejsice-4945	367	33	2018	2018	NUM
ejsice-4945	367	34	)	)	PUNCT
ejsice-4945	367	35	the	the	DET
ejsice-4945	367	36	global	global	ADJ
ejsice-4945	367	37	findex	findex	PROPN
ejsice-4945	367	38	database	database	PROPN
ejsice-4945	367	39	2017	2017	NUM
ejsice-4945	367	40	:	:	PUNCT
ejsice-4945	367	41	measuring	measure	VERB
ejsice-4945	367	42	financial	financial	ADJ
ejsice-4945	367	43	inclusion	inclusion	NOUN
ejsice-4945	367	44	and	and	CCONJ
ejsice-4945	367	45	the	the	DET
ejsice-4945	367	46	fintech	fintech	NOUN
ejsice-4945	367	47	revolution	revolution	NOUN
ejsice-4945	367	48	.	.	PUNCT
ejsice-4945	368	1	washington	washington	PROPN
ejsice-4945	368	2	,	,	PUNCT
ejsice-4945	368	3	dc	dc	PROPN
ejsice-4945	368	4	:	:	PUNCT
ejsice-4945	368	5	world	world	PROPN
ejsice-4945	368	6	bank	bank	PROPN
ejsice-4945	368	7	.	.	PUNCT
ejsice-4945	369	1	nkiru	nkiru	PROPN
ejsice-4945	369	2	patricia	patricia	PROPN
ejsice-4945	369	3	-	-	PUNCT
ejsice-4945	369	4	nezianya	nezianya	NOUN
ejsice-4945	369	5	chude	chude	NOUN
ejsice-4945	369	6	and	and	CCONJ
ejsice-4945	369	7	daniel	daniel	PROPN
ejsice-4945	369	8	izuchukwu	izuchukwu	PROPN
ejsice-4945	369	9	chude	chude	NOUN
ejsice-4945	369	10	(	(	PUNCT
ejsice-4945	369	11	2014	2014	NUM
ejsice-4945	369	12	)	)	PUNCT
ejsice-4945	369	13	impact	impact	NOUN
ejsice-4945	369	14	of	of	ADP
ejsice-4945	369	15	agent	agent	NOUN
ejsice-4945	369	16	banking	banking	NOUN
ejsice-4945	369	17	on	on	ADP
ejsice-4945	369	18	performance	performance	NOUN
ejsice-4945	369	19	of	of	ADP
ejsice-4945	369	20	deposit	deposit	NOUN
ejsice-4945	369	21	money	money	NOUN
ejsice-4945	369	22	banks	bank	NOUN
ejsice-4945	369	23	in	in	ADP
ejsice-4945	369	24	nigeria	nigeria	PROPN
ejsice-4945	369	25	.	.	PUNCT
ejsice-4945	370	1	research	research	NOUN
ejsice-4945	370	2	journal	journal	PROPN
ejsice-4945	370	3	of	of	ADP
ejsice-4945	370	4	finance	finance	NOUN
ejsice-4945	370	5	and	and	CCONJ
ejsice-4945	370	6	accounting	accounting	NOUN
ejsice-4945	370	7	,	,	PUNCT
ejsice-4945	370	8	vol.5	vol.5	PROPN
ejsice-4945	370	9	,	,	PUNCT
ejsice-4945	370	10	no.9	no.9	PROPN
ejsice-4945	370	11	nefa	nefa	PROPN
ejsice-4945	370	12	chiteli	chiteli	PROPN
ejsice-4945	370	13	(	(	PUNCT
ejsice-4945	370	14	2013	2013	NUM
ejsice-4945	370	15	)	)	PUNCT
ejsice-4945	370	16	agent	agent	NOUN
ejsice-4945	370	17	banking	banking	NOUN
ejsice-4945	370	18	operations	operation	NOUN
ejsice-4945	370	19	as	as	ADP
ejsice-4945	370	20	a	a	DET
ejsice-4945	370	21	competitive	competitive	ADJ
ejsice-4945	370	22	strategy	strategy	NOUN
ejsice-4945	370	23	of	of	ADP
ejsice-4945	370	24	commercial	commercial	ADJ
ejsice-4945	370	25	banks	bank	NOUN
ejsice-4945	370	26	in	in	ADP
ejsice-4945	370	27	kisumu	kisumu	PROPN
ejsice-4945	370	28	city	city	PROPN
ejsice-4945	370	29	.	.	PUNCT
ejsice-4945	371	1	international	international	ADJ
ejsice-4945	371	2	journal	journal	PROPN
ejsice-4945	371	3	of	of	ADP
ejsice-4945	371	4	business	business	NOUN
ejsice-4945	371	5	and	and	CCONJ
ejsice-4945	371	6	social	social	ADJ
ejsice-4945	371	7	science	science	NOUN
ejsice-4945	371	8	vol	vol	NOUN
ejsice-4945	371	9	.	.	PROPN
ejsice-4945	372	1	4	4	NUM
ejsice-4945	372	2	no	no	NOUN
ejsice-4945	372	3	.	.	NOUN
ejsice-4945	372	4	13	13	NUM