id	sid	tid	token	lemma	pos
hassl-3090	1	1	383	383	NUM
hassl-3090	1	2	©	©	PROPN
hassl-3090	1	3	2022	2022	NUM
hassl-3090	1	4	conscientia	conscientia	PROPN
hassl-3090	1	5	beam	beam	PROPN
hassl-3090	1	6	.	.	PUNCT
hassl-3090	2	1	all	all	DET
hassl-3090	2	2	rights	right	NOUN
hassl-3090	2	3	reserved	reserve	VERB
hassl-3090	2	4	.	.	PUNCT
hassl-3090	3	1	evaluating	evaluate	VERB
hassl-3090	3	2	the	the	DET
hassl-3090	3	3	role	role	NOUN
hassl-3090	3	4	of	of	ADP
hassl-3090	3	5	artificial	artificial	ADJ
hassl-3090	3	6	intelligence	intelligence	NOUN
hassl-3090	3	7	in	in	ADP
hassl-3090	3	8	the	the	DET
hassl-3090	3	9	automation	automation	NOUN
hassl-3090	3	10	of	of	ADP
hassl-3090	3	11	the	the	DET
hassl-3090	3	12	banking	banking	NOUN
hassl-3090	3	13	services	service	NOUN
hassl-3090	3	14	industry	industry	NOUN
hassl-3090	3	15	:	:	PUNCT
hassl-3090	3	16	evidence	evidence	NOUN
hassl-3090	3	17	from	from	ADP
hassl-3090	3	18	jordan	jordan	PROPN
hassl-3090	3	19	mohammad	mohammad	PROPN
hassl-3090	3	20	sami	sami	PROPN
hassl-3090	3	21	ali1	ali1	PROPN
hassl-3090	3	22	+	+	CCONJ
hassl-3090	3	23	issa	issa	PROPN
hassl-3090	3	24	ahmad	ahmad	PROPN
hassl-3090	3	25	swiety2	swiety2	PROPN
hassl-3090	3	26	maan	maan	PROPN
hassl-3090	3	27	hussein	hussein	PROPN
hassl-3090	3	28	mansour3	mansour3	PROPN
hassl-3090	3	29	1,2,3faculty	1,2,3faculty	NUM
hassl-3090	3	30	of	of	ADP
hassl-3090	3	31	economies	economy	NOUN
hassl-3090	3	32	and	and	CCONJ
hassl-3090	3	33	administrative	administrative	ADJ
hassl-3090	3	34	sciences	science	NOUN
hassl-3090	3	35	,	,	PUNCT
hassl-3090	3	36	zarqa	zarqa	PROPN
hassl-3090	3	37	university	university	PROPN
hassl-3090	3	38	,	,	PUNCT
hassl-3090	3	39	jordan	jordan	PROPN
hassl-3090	3	40	.	.	PUNCT
hassl-3090	4	1	1email	1email	NUM
hassl-3090	4	2	:	:	PUNCT
hassl-3090	4	3	maldahrawi@zu.edu.jo	maldahrawi@zu.edu.jo	ADJ
hassl-3090	4	4	tel	tel	NOUN
hassl-3090	4	5	:	:	PUNCT
hassl-3090	4	6	+962795855524	+962795855524	NUM
hassl-3090	5	1	2email	2email	NUM
hassl-3090	5	2	:	:	PUNCT
hassl-3090	5	3	iswwiety@zu.edu.jo	iswwiety@zu.edu.jo	ADJ
hassl-3090	5	4	tel	tel	NOUN
hassl-3090	5	5	:	:	PUNCT
hassl-3090	5	6	+962780048485	+962780048485	ADJ
hassl-3090	5	7	3email	3email	NUM
hassl-3090	5	8	:	:	PUNCT
hassl-3090	5	9	mmansour@zu.edu.jo	mmansour@zu.edu.jo	ADJ
hassl-3090	5	10	tel	tel	PROPN
hassl-3090	5	11	:	:	PUNCT
hassl-3090	5	12	+962797257001	+962797257001	NUM
hassl-3090	5	13	(	(	PUNCT
hassl-3090	5	14	+	+	CCONJ
hassl-3090	5	15	corresponding	correspond	VERB
hassl-3090	5	16	author	author	NOUN
hassl-3090	5	17	)	)	PUNCT
hassl-3090	5	18	abstract	abstract	ADJ
hassl-3090	5	19	article	article	NOUN
hassl-3090	5	20	history	history	NOUN
hassl-3090	5	21	received	receive	VERB
hassl-3090	5	22	:	:	PUNCT
hassl-3090	5	23	4	4	NUM
hassl-3090	5	24	january	january	PROPN
hassl-3090	5	25	2022	2022	NUM
hassl-3090	5	26	revised	revise	VERB
hassl-3090	5	27	:	:	PUNCT
hassl-3090	5	28	7	7	NUM
hassl-3090	5	29	july	july	PROPN
hassl-3090	5	30	2022	2022	NUM
hassl-3090	5	31	accepted	accept	VERB
hassl-3090	5	32	:	:	PUNCT
hassl-3090	5	33	20	20	NUM
hassl-3090	5	34	july	july	NOUN
hassl-3090	5	35	2022	2022	NUM
hassl-3090	5	36	published	publish	VERB
hassl-3090	5	37	:	:	PUNCT
hassl-3090	5	38	11	11	NUM
hassl-3090	5	39	august	august	PROPN
hassl-3090	5	40	2022	2022	NUM
hassl-3090	5	41	keywords	keyword	VERB
hassl-3090	5	42	artificial	artificial	ADJ
hassl-3090	5	43	intelligence	intelligence	NOUN
hassl-3090	5	44	banking	banking	NOUN
hassl-3090	5	45	services	service	NOUN
hassl-3090	5	46	industry	industry	NOUN
hassl-3090	5	47	chat	chat	VERB
hassl-3090	5	48	bots	bot	NOUN
hassl-3090	5	49	cost	cost	NOUN
hassl-3090	5	50	reduction	reduction	NOUN
hassl-3090	5	51	mobile	mobile	ADJ
hassl-3090	5	52	banking	banking	NOUN
hassl-3090	5	53	risk	risk	NOUN
hassl-3090	5	54	management	management	NOUN
hassl-3090	5	55	technological	technological	ADJ
hassl-3090	5	56	advancements	advancement	NOUN
hassl-3090	5	57	.	.	PUNCT
hassl-3090	6	1	jel	jel	PROPN
hassl-3090	6	2	classification	classification	PROPN
hassl-3090	6	3	g21	g21	PROPN
hassl-3090	6	4	;	;	PUNCT
hassl-3090	6	5	o16	o16	NUM
hassl-3090	6	6	;	;	PUNCT
hassl-3090	6	7	q55	q55	NOUN
hassl-3090	6	8	;	;	PUNCT
hassl-3090	6	9	d14	d14	PROPN
hassl-3090	6	10	;	;	PUNCT
hassl-3090	6	11	f65	f65	NOUN
hassl-3090	6	12	.	.	PUNCT
hassl-3090	7	1	due	due	ADP
hassl-3090	7	2	to	to	ADP
hassl-3090	7	3	the	the	DET
hassl-3090	7	4	necessity	necessity	NOUN
hassl-3090	7	5	of	of	ADP
hassl-3090	7	6	using	use	VERB
hassl-3090	7	7	technology	technology	NOUN
hassl-3090	7	8	in	in	ADP
hassl-3090	7	9	the	the	DET
hassl-3090	7	10	most	most	ADJ
hassl-3090	7	11	of	of	ADP
hassl-3090	7	12	banking	banking	NOUN
hassl-3090	7	13	and	and	CCONJ
hassl-3090	7	14	financial	financial	ADJ
hassl-3090	7	15	services	service	NOUN
hassl-3090	7	16	,	,	PUNCT
hassl-3090	7	17	the	the	DET
hassl-3090	7	18	adoption	adoption	NOUN
hassl-3090	7	19	of	of	ADP
hassl-3090	7	20	artificial	artificial	ADJ
hassl-3090	7	21	intelligence	intelligence	NOUN
hassl-3090	7	22	(	(	PUNCT
hassl-3090	7	23	ai	ai	NOUN
hassl-3090	7	24	)	)	PUNCT
hassl-3090	7	25	has	have	AUX
hassl-3090	7	26	become	become	VERB
hassl-3090	7	27	one	one	NUM
hassl-3090	7	28	of	of	ADP
hassl-3090	7	29	the	the	DET
hassl-3090	7	30	key	key	ADJ
hassl-3090	7	31	drivers	driver	NOUN
hassl-3090	7	32	for	for	ADP
hassl-3090	7	33	financial	financial	ADJ
hassl-3090	7	34	institutions	institution	NOUN
hassl-3090	7	35	’	'	PUNCT
hassl-3090	7	36	success	success	NOUN
hassl-3090	7	37	.	.	PUNCT
hassl-3090	8	1	financial	financial	ADJ
hassl-3090	8	2	institutions	institution	NOUN
hassl-3090	8	3	including	include	VERB
hassl-3090	8	4	banks	bank	NOUN
hassl-3090	8	5	implement	implement	VERB
hassl-3090	8	6	ai	ai	VERB
hassl-3090	8	7	based	base	VERB
hassl-3090	8	8	systems	system	NOUN
hassl-3090	8	9	for	for	ADP
hassl-3090	8	10	the	the	DET
hassl-3090	8	11	aim	aim	NOUN
hassl-3090	8	12	of	of	ADP
hassl-3090	8	13	meeting	meet	VERB
hassl-3090	8	14	the	the	DET
hassl-3090	8	15	needs	need	NOUN
hassl-3090	8	16	of	of	ADP
hassl-3090	8	17	their	their	PRON
hassl-3090	8	18	clients	client	NOUN
hassl-3090	8	19	.	.	PUNCT
hassl-3090	9	1	although	although	SCONJ
hassl-3090	9	2	developing	develop	VERB
hassl-3090	9	3	economies	economy	NOUN
hassl-3090	9	4	are	be	AUX
hassl-3090	9	5	bit	bit	ADV
hassl-3090	9	6	slower	slow	ADJ
hassl-3090	9	7	in	in	ADP
hassl-3090	9	8	such	such	ADJ
hassl-3090	9	9	adoption	adoption	NOUN
hassl-3090	9	10	,	,	PUNCT
hassl-3090	9	11	however	however	ADV
hassl-3090	9	12	,	,	PUNCT
hassl-3090	9	13	they	they	PRON
hassl-3090	9	14	are	be	AUX
hassl-3090	9	15	still	still	ADV
hassl-3090	9	16	making	make	VERB
hassl-3090	9	17	their	their	PRON
hassl-3090	9	18	efforts	effort	NOUN
hassl-3090	9	19	.	.	PUNCT
hassl-3090	10	1	the	the	DET
hassl-3090	10	2	current	current	ADJ
hassl-3090	10	3	paper	paper	NOUN
hassl-3090	10	4	sheds	shed	VERB
hassl-3090	10	5	the	the	DET
hassl-3090	10	6	light	light	NOUN
hassl-3090	10	7	on	on	ADP
hassl-3090	10	8	the	the	DET
hassl-3090	10	9	role	role	NOUN
hassl-3090	10	10	of	of	ADP
hassl-3090	10	11	ai	ai	VERB
hassl-3090	10	12	in	in	ADP
hassl-3090	10	13	the	the	DET
hassl-3090	10	14	enhancement	enhancement	NOUN
hassl-3090	10	15	of	of	ADP
hassl-3090	10	16	banking	banking	NOUN
hassl-3090	10	17	sector	sector	NOUN
hassl-3090	10	18	by	by	ADP
hassl-3090	10	19	exploring	explore	VERB
hassl-3090	10	20	how	how	SCONJ
hassl-3090	10	21	ai	ai	AUX
hassl-3090	10	22	based	base	VERB
hassl-3090	10	23	systems	system	NOUN
hassl-3090	10	24	contribute	contribute	VERB
hassl-3090	10	25	in	in	ADP
hassl-3090	10	26	enhancing	enhance	VERB
hassl-3090	10	27	banking	banking	NOUN
hassl-3090	10	28	services	service	NOUN
hassl-3090	10	29	and	and	CCONJ
hassl-3090	10	30	developing	develop	VERB
hassl-3090	10	31	the	the	DET
hassl-3090	10	32	trust	trust	NOUN
hassl-3090	10	33	of	of	ADP
hassl-3090	10	34	clients	client	NOUN
hassl-3090	10	35	towards	towards	ADP
hassl-3090	10	36	these	these	DET
hassl-3090	10	37	services	service	NOUN
hassl-3090	10	38	,	,	PUNCT
hassl-3090	10	39	so	so	SCONJ
hassl-3090	10	40	that	that	SCONJ
hassl-3090	10	41	developing	develop	VERB
hassl-3090	10	42	economies	economy	NOUN
hassl-3090	10	43	could	could	AUX
hassl-3090	10	44	also	also	ADV
hassl-3090	10	45	adopt	adopt	VERB
hassl-3090	10	46	such	such	ADJ
hassl-3090	10	47	advancements	advancement	NOUN
hassl-3090	10	48	confidently	confidently	ADV
hassl-3090	10	49	.	.	PUNCT
hassl-3090	11	1	consequently	consequently	ADV
hassl-3090	11	2	,	,	PUNCT
hassl-3090	11	3	after	after	ADP
hassl-3090	11	4	studying	study	VERB
hassl-3090	11	5	the	the	DET
hassl-3090	11	6	jordanian	jordanian	ADJ
hassl-3090	11	7	banking	banking	NOUN
hassl-3090	11	8	system	system	NOUN
hassl-3090	11	9	through	through	ADP
hassl-3090	11	10	primary	primary	ADJ
hassl-3090	11	11	data	datum	NOUN
hassl-3090	11	12	,	,	PUNCT
hassl-3090	11	13	incorporating	incorporate	VERB
hassl-3090	11	14	banking	banking	NOUN
hassl-3090	11	15	employees	employee	NOUN
hassl-3090	11	16	and	and	CCONJ
hassl-3090	11	17	clients	client	NOUN
hassl-3090	11	18	,	,	PUNCT
hassl-3090	11	19	the	the	DET
hassl-3090	11	20	study	study	NOUN
hassl-3090	11	21	revealed	reveal	VERB
hassl-3090	11	22	that	that	SCONJ
hassl-3090	11	23	ai	ai	AUX
hassl-3090	11	24	based	base	VERB
hassl-3090	11	25	systems	system	NOUN
hassl-3090	11	26	conduct	conduct	VERB
hassl-3090	11	27	a	a	DET
hassl-3090	11	28	central	central	ADJ
hassl-3090	11	29	role	role	NOUN
hassl-3090	11	30	in	in	ADP
hassl-3090	11	31	enhancing	enhance	VERB
hassl-3090	11	32	effective	effective	ADJ
hassl-3090	11	33	risk	risk	NOUN
hassl-3090	11	34	management	management	NOUN
hassl-3090	11	35	,	,	PUNCT
hassl-3090	11	36	creating	create	VERB
hassl-3090	11	37	convenience	convenience	NOUN
hassl-3090	11	38	,	,	PUNCT
hassl-3090	11	39	reducing	reduce	VERB
hassl-3090	11	40	costs	cost	NOUN
hassl-3090	11	41	and	and	CCONJ
hassl-3090	11	42	improving	improve	VERB
hassl-3090	11	43	clients	client	NOUN
hassl-3090	11	44	’	'	PUNCT
hassl-3090	11	45	trust	trust	NOUN
hassl-3090	11	46	towards	towards	ADP
hassl-3090	11	47	banking	banking	NOUN
hassl-3090	11	48	services	service	NOUN
hassl-3090	11	49	.	.	PUNCT
hassl-3090	12	1	moreover	moreover	ADV
hassl-3090	12	2	,	,	PUNCT
hassl-3090	12	3	the	the	DET
hassl-3090	12	4	study	study	NOUN
hassl-3090	12	5	induced	induce	VERB
hassl-3090	12	6	that	that	SCONJ
hassl-3090	12	7	developing	develop	VERB
hassl-3090	12	8	countries	country	NOUN
hassl-3090	12	9	like	like	ADP
hassl-3090	12	10	jordan	jordan	PROPN
hassl-3090	12	11	should	should	AUX
hassl-3090	12	12	adopt	adopt	VERB
hassl-3090	12	13	and	and	CCONJ
hassl-3090	12	14	implement	implement	VERB
hassl-3090	12	15	ai	ai	VERB
hassl-3090	12	16	based	base	VERB
hassl-3090	12	17	systems	system	NOUN
hassl-3090	12	18	in	in	ADP
hassl-3090	12	19	banking	banking	NOUN
hassl-3090	12	20	operations	operation	NOUN
hassl-3090	12	21	and	and	CCONJ
hassl-3090	12	22	services	service	NOUN
hassl-3090	12	23	so	so	SCONJ
hassl-3090	12	24	that	that	SCONJ
hassl-3090	12	25	their	their	PRON
hassl-3090	12	26	banking	banking	NOUN
hassl-3090	12	27	sectors	sector	NOUN
hassl-3090	12	28	could	could	AUX
hassl-3090	12	29	play	play	VERB
hassl-3090	12	30	a	a	DET
hassl-3090	12	31	more	more	ADV
hassl-3090	12	32	constructive	constructive	ADJ
hassl-3090	12	33	part	part	NOUN
hassl-3090	12	34	of	of	ADP
hassl-3090	12	35	their	their	PRON
hassl-3090	12	36	economies	economy	NOUN
hassl-3090	12	37	.	.	PUNCT
hassl-3090	13	1	contribution	contribution	NOUN
hassl-3090	13	2	/	/	SYM
hassl-3090	13	3	originality	originality	NOUN
hassl-3090	13	4	:	:	PUNCT
hassl-3090	13	5	this	this	DET
hassl-3090	13	6	research	research	NOUN
hassl-3090	13	7	contributes	contribute	VERB
hassl-3090	13	8	redefining	redefine	VERB
hassl-3090	13	9	the	the	DET
hassl-3090	13	10	role	role	NOUN
hassl-3090	13	11	of	of	ADP
hassl-3090	13	12	artificial	artificial	ADJ
hassl-3090	13	13	intelligence	intelligence	NOUN
hassl-3090	13	14	(	(	PUNCT
hassl-3090	13	15	ai	ai	NOUN
hassl-3090	13	16	)	)	PUNCT
hassl-3090	13	17	in	in	ADP
hassl-3090	13	18	the	the	DET
hassl-3090	13	19	automation	automation	NOUN
hassl-3090	13	20	of	of	ADP
hassl-3090	13	21	the	the	DET
hassl-3090	13	22	jordanian	jordanian	ADJ
hassl-3090	13	23	banking	banking	NOUN
hassl-3090	13	24	services	service	NOUN
hassl-3090	13	25	industry	industry	NOUN
hassl-3090	13	26	.	.	PUNCT
hassl-3090	14	1	additionally	additionally	ADV
hassl-3090	14	2	,	,	PUNCT
hassl-3090	14	3	it	it	PRON
hassl-3090	14	4	contributes	contribute	VERB
hassl-3090	14	5	to	to	ADP
hassl-3090	14	6	enhancing	enhance	VERB
hassl-3090	14	7	the	the	DET
hassl-3090	14	8	knowledge	knowledge	NOUN
hassl-3090	14	9	and	and	CCONJ
hassl-3090	14	10	awareness	awareness	NOUN
hassl-3090	14	11	of	of	ADP
hassl-3090	14	12	bankers	banker	NOUN
hassl-3090	14	13	and	and	CCONJ
hassl-3090	14	14	clients	client	NOUN
hassl-3090	14	15	about	about	ADP
hassl-3090	14	16	the	the	DET
hassl-3090	14	17	adoption	adoption	NOUN
hassl-3090	14	18	and	and	CCONJ
hassl-3090	14	19	benefits	benefit	NOUN
hassl-3090	14	20	of	of	ADP
hassl-3090	14	21	the	the	DET
hassl-3090	14	22	implementation	implementation	NOUN
hassl-3090	14	23	of	of	ADP
hassl-3090	14	24	ai	ai	PRON
hassl-3090	14	25	based	base	VERB
hassl-3090	14	26	systems	system	NOUN
hassl-3090	14	27	.	.	PUNCT
hassl-3090	15	1	it	it	PRON
hassl-3090	15	2	also	also	ADV
hassl-3090	15	3	introduces	introduce	VERB
hassl-3090	15	4	various	various	ADJ
hassl-3090	15	5	technologies	technology	NOUN
hassl-3090	15	6	and	and	CCONJ
hassl-3090	15	7	tools	tool	NOUN
hassl-3090	15	8	that	that	PRON
hassl-3090	15	9	have	have	AUX
hassl-3090	15	10	brought	bring	VERB
hassl-3090	15	11	automation	automation	NOUN
hassl-3090	15	12	in	in	ADP
hassl-3090	15	13	the	the	DET
hassl-3090	15	14	banking	banking	NOUN
hassl-3090	15	15	services	service	NOUN
hassl-3090	15	16	industry	industry	NOUN
hassl-3090	15	17	.	.	PUNCT
hassl-3090	16	1	1	1	X
hassl-3090	16	2	.	.	X
hassl-3090	16	3	introduction	introduction	NOUN
hassl-3090	16	4	the	the	DET
hassl-3090	16	5	implementation	implementation	NOUN
hassl-3090	16	6	of	of	ADP
hassl-3090	16	7	artificial	artificial	ADJ
hassl-3090	16	8	intelligence	intelligence	NOUN
hassl-3090	16	9	(	(	PUNCT
hassl-3090	16	10	ai	ai	NOUN
hassl-3090	16	11	)	)	PUNCT
hassl-3090	16	12	in	in	ADP
hassl-3090	16	13	different	different	ADJ
hassl-3090	16	14	industries	industry	NOUN
hassl-3090	16	15	has	have	AUX
hassl-3090	16	16	proven	prove	VERB
hassl-3090	16	17	the	the	DET
hassl-3090	16	18	superiority	superiority	NOUN
hassl-3090	16	19	of	of	ADP
hassl-3090	16	20	ai	ai	NOUN
hassl-3090	16	21	over	over	ADP
hassl-3090	16	22	human	human	ADJ
hassl-3090	16	23	intelligence	intelligence	NOUN
hassl-3090	16	24	,	,	PUNCT
hassl-3090	16	25	which	which	PRON
hassl-3090	16	26	has	have	AUX
hassl-3090	16	27	given	give	VERB
hassl-3090	16	28	rise	rise	NOUN
hassl-3090	16	29	to	to	ADP
hassl-3090	16	30	the	the	DET
hassl-3090	16	31	age	age	NOUN
hassl-3090	16	32	of	of	ADP
hassl-3090	16	33	automation	automation	NOUN
hassl-3090	16	34	(	(	PUNCT
hassl-3090	16	35	gallego	gallego	NOUN
hassl-3090	16	36	-	-	PUNCT
hassl-3090	16	37	gomez	gomez	PROPN
hassl-3090	16	38	&	&	CCONJ
hassl-3090	16	39	de	de	PROPN
hassl-3090	16	40	-	-	PROPN
hassl-3090	16	41	pablos	pablos	PROPN
hassl-3090	16	42	-	-	PUNCT
hassl-3090	16	43	heredero	heredero	NOUN
hassl-3090	16	44	,	,	PUNCT
hassl-3090	16	45	2020	2020	NUM
hassl-3090	16	46	)	)	PUNCT
hassl-3090	16	47	.	.	PUNCT
hassl-3090	17	1	thus	thus	ADV
hassl-3090	17	2	,	,	PUNCT
hassl-3090	17	3	due	due	ADP
hassl-3090	17	4	to	to	ADP
hassl-3090	17	5	its	its	PRON
hassl-3090	17	6	heavy	heavy	ADJ
hassl-3090	17	7	reliance	reliance	NOUN
hassl-3090	17	8	on	on	ADP
hassl-3090	17	9	human	human	ADJ
hassl-3090	17	10	labor	labor	NOUN
hassl-3090	17	11	in	in	ADP
hassl-3090	17	12	order	order	NOUN
hassl-3090	17	13	to	to	PART
hassl-3090	17	14	accomplish	accomplish	VERB
hassl-3090	17	15	its	its	PRON
hassl-3090	17	16	services	service	NOUN
hassl-3090	17	17	;	;	PUNCT
hassl-3090	17	18	the	the	DET
hassl-3090	17	19	implementation	implementation	NOUN
hassl-3090	17	20	of	of	ADP
hassl-3090	17	21	ai	ai	PROPN
hassl-3090	17	22	systems	system	NOUN
hassl-3090	17	23	in	in	ADP
hassl-3090	17	24	the	the	DET
hassl-3090	17	25	banking	banking	NOUN
hassl-3090	17	26	industry	industry	NOUN
hassl-3090	17	27	sector	sector	NOUN
hassl-3090	17	28	has	have	AUX
hassl-3090	17	29	been	be	AUX
hassl-3090	17	30	taking	take	VERB
hassl-3090	17	31	place	place	NOUN
hassl-3090	17	32	progressively	progressively	ADV
hassl-3090	17	33	when	when	SCONJ
hassl-3090	17	34	it	it	PRON
hassl-3090	17	35	is	be	AUX
hassl-3090	17	36	compared	compare	VERB
hassl-3090	17	37	to	to	ADP
hassl-3090	17	38	other	other	ADJ
hassl-3090	17	39	industry	industry	NOUN
hassl-3090	17	40	sectors	sector	NOUN
hassl-3090	17	41	(	(	PUNCT
hassl-3090	17	42	boobier	boobier	NOUN
hassl-3090	17	43	,	,	PUNCT
hassl-3090	17	44	2020	2020	NUM
hassl-3090	17	45	)	)	PUNCT
hassl-3090	17	46	.	.	PUNCT
hassl-3090	18	1	nevertheless	nevertheless	ADV
hassl-3090	18	2	,	,	PUNCT
hassl-3090	18	3	the	the	DET
hassl-3090	18	4	rapid	rapid	ADJ
hassl-3090	18	5	rate	rate	NOUN
hassl-3090	18	6	of	of	ADP
hassl-3090	18	7	technological	technological	ADJ
hassl-3090	18	8	innovation	innovation	NOUN
hassl-3090	18	9	is	be	AUX
hassl-3090	18	10	bringing	bring	VERB
hassl-3090	18	11	ways	way	NOUN
hassl-3090	18	12	across	across	ADP
hassl-3090	18	13	various	various	ADJ
hassl-3090	18	14	industries	industry	NOUN
hassl-3090	18	15	as	as	ADP
hassl-3090	18	16	competitive	competitive	ADJ
hassl-3090	18	17	dynamics	dynamic	NOUN
hassl-3090	18	18	shift	shift	NOUN
hassl-3090	18	19	,	,	PUNCT
hassl-3090	18	20	and	and	CCONJ
hassl-3090	18	21	new	new	ADJ
hassl-3090	18	22	business	business	NOUN
hassl-3090	18	23	models	model	NOUN
hassl-3090	18	24	emerge	emerge	VERB
hassl-3090	18	25	,	,	PUNCT
hassl-3090	18	26	which	which	PRON
hassl-3090	18	27	has	have	AUX
hassl-3090	18	28	made	make	VERB
hassl-3090	18	29	it	it	PRON
hassl-3090	18	30	essential	essential	ADJ
hassl-3090	18	31	for	for	SCONJ
hassl-3090	18	32	companies	company	NOUN
hassl-3090	18	33	to	to	PART
hassl-3090	18	34	scramble	scramble	VERB
hassl-3090	18	35	on	on	ADP
hassl-3090	18	36	the	the	DET
hassl-3090	18	37	digital	digital	ADJ
hassl-3090	18	38	transformation	transformation	NOUN
hassl-3090	18	39	bandwagon	bandwagon	NOUN
hassl-3090	18	40	.	.	PUNCT
hassl-3090	19	1	however	however	ADV
hassl-3090	19	2	,	,	PUNCT
hassl-3090	19	3	there	there	PRON
hassl-3090	19	4	are	be	VERB
hassl-3090	19	5	several	several	ADJ
hassl-3090	19	6	organizations	organization	NOUN
hassl-3090	19	7	humanities	humanity	NOUN
hassl-3090	19	8	and	and	CCONJ
hassl-3090	19	9	social	social	ADJ
hassl-3090	19	10	sciences	science	NOUN
hassl-3090	19	11	letters	letter	NOUN
hassl-3090	19	12	2022	2022	NUM
hassl-3090	19	13	vol	vol	NOUN
hassl-3090	19	14	.	.	PROPN
hassl-3090	20	1	10	10	NUM
hassl-3090	20	2	,	,	PUNCT
hassl-3090	20	3	no	no	INTJ
hassl-3090	20	4	.	.	NOUN
hassl-3090	20	5	3	3	NUM
hassl-3090	20	6	,	,	PUNCT
hassl-3090	20	7	pp	pp	ADJ
hassl-3090	20	8	.	.	PUNCT
hassl-3090	21	1	383	383	NUM
hassl-3090	21	2	-	-	SYM
hassl-3090	21	3	393	393	NUM
hassl-3090	21	4	.	.	PUNCT
hassl-3090	22	1	issn(e	issn(e	INTJ
hassl-3090	22	2	):	):	PUNCT
hassl-3090	22	3	2312	2312	NUM
hassl-3090	22	4	-	-	SYM
hassl-3090	22	5	4318	4318	NUM
hassl-3090	22	6	issn(p	issn(p	NUM
hassl-3090	22	7	):	):	PUNCT
hassl-3090	22	8	2312	2312	NUM
hassl-3090	22	9	-	-	SYM
hassl-3090	22	10	5659	5659	NUM
hassl-3090	22	11	doi	doi	NOUN
hassl-3090	22	12	:	:	PUNCT
hassl-3090	22	13	10.18488/73.v10i3.3090	10.18488/73.v10i3.3090	PROPN
hassl-3090	22	14	©	©	PROPN
hassl-3090	22	15	2022	2022	NUM
hassl-3090	22	16	conscientia	conscientia	PROPN
hassl-3090	22	17	beam	beam	PROPN
hassl-3090	22	18	.	.	PUNCT
hassl-3090	23	1	all	all	DET
hassl-3090	23	2	rights	right	NOUN
hassl-3090	23	3	reserved	reserve	VERB
hassl-3090	23	4	.	.	PUNCT
hassl-3090	24	1	https://orcid.org/0000-0001-6600-5398	https://orcid.org/0000-0001-6600-5398	PROPN
hassl-3090	24	2	https://orcid.org/0000-0001-6070-1173	https://orcid.org/0000-0001-6070-1173	PROPN
hassl-3090	24	3	https://orcid.org/0000-0002-6687-876x	https://orcid.org/0000-0002-6687-876x	PROPN
hassl-3090	24	4	mailto:maldahrawi@zu.edu.jo	mailto:maldahrawi@zu.edu.jo	NOUN
hassl-3090	24	5	mailto:iswwiety@zu.edu.jo	mailto:iswwiety@zu.edu.jo	ADJ
hassl-3090	24	6	mailto:mmansour@zu.edu.jo	mailto:mmansour@zu.edu.jo	NOUN
hassl-3090	24	7	https://www.doi.org/10.18488/73.v10i3.3090	https://www.doi.org/10.18488/73.v10i3.3090	NUM
hassl-3090	24	8	humanities	humanity	NOUN
hassl-3090	24	9	and	and	CCONJ
hassl-3090	24	10	social	social	ADJ
hassl-3090	24	11	sciences	science	NOUN
hassl-3090	24	12	letters	letter	NOUN
hassl-3090	24	13	,	,	PUNCT
hassl-3090	24	14	2022	2022	NUM
hassl-3090	24	15	,	,	PUNCT
hassl-3090	24	16	10(3	10(3	NUM
hassl-3090	24	17	):	):	PUNCT
hassl-3090	24	18	383	383	NUM
hassl-3090	24	19	-	-	SYM
hassl-3090	24	20	393	393	NUM
hassl-3090	24	21	384	384	NUM
hassl-3090	24	22	©	©	PROPN
hassl-3090	24	23	2022	2022	NUM
hassl-3090	24	24	conscientia	conscientia	PROPN
hassl-3090	24	25	beam	beam	PROPN
hassl-3090	24	26	.	.	PUNCT
hassl-3090	25	1	all	all	DET
hassl-3090	25	2	rights	right	NOUN
hassl-3090	25	3	reserved	reserve	VERB
hassl-3090	25	4	.	.	PUNCT
hassl-3090	26	1	struggling	struggle	VERB
hassl-3090	26	2	to	to	PART
hassl-3090	26	3	develop	develop	VERB
hassl-3090	26	4	an	an	DET
hassl-3090	26	5	effective	effective	ADJ
hassl-3090	26	6	approach	approach	NOUN
hassl-3090	26	7	to	to	PART
hassl-3090	26	8	transform	transform	VERB
hassl-3090	26	9	themselves	themselves	PRON
hassl-3090	26	10	digitally	digitally	ADV
hassl-3090	26	11	whereas	whereas	SCONJ
hassl-3090	26	12	,	,	PUNCT
hassl-3090	26	13	the	the	DET
hassl-3090	26	14	success	success	NOUN
hassl-3090	26	15	rates	rate	NOUN
hassl-3090	26	16	of	of	ADP
hassl-3090	26	17	such	such	ADJ
hassl-3090	26	18	transformation	transformation	NOUN
hassl-3090	26	19	efforts	effort	NOUN
hassl-3090	26	20	are	be	AUX
hassl-3090	26	21	consistently	consistently	ADV
hassl-3090	26	22	low	low	ADJ
hassl-3090	26	23	with	with	ADP
hassl-3090	26	24	less	less	ADJ
hassl-3090	26	25	than	than	ADP
hassl-3090	26	26	30	30	NUM
hassl-3090	26	27	%	%	NOUN
hassl-3090	26	28	succeed	succeed	NOUN
hassl-3090	26	29	(	(	PUNCT
hassl-3090	26	30	boobier	boobier	NOUN
hassl-3090	26	31	,	,	PUNCT
hassl-3090	26	32	2020	2020	NUM
hassl-3090	26	33	)	)	PUNCT
hassl-3090	26	34	.	.	PUNCT
hassl-3090	27	1	although	although	SCONJ
hassl-3090	27	2	advances	advance	NOUN
hassl-3090	27	3	in	in	ADP
hassl-3090	27	4	finance	finance	NOUN
hassl-3090	27	5	are	be	AUX
hassl-3090	27	6	not	not	PART
hassl-3090	27	7	a	a	DET
hassl-3090	27	8	new	new	ADJ
hassl-3090	27	9	notion	notion	NOUN
hassl-3090	27	10	,	,	PUNCT
hassl-3090	27	11	the	the	DET
hassl-3090	27	12	emphasis	emphasis	NOUN
hassl-3090	27	13	on	on	ADP
hassl-3090	27	14	technical	technical	ADJ
hassl-3090	27	15	advances	advance	NOUN
hassl-3090	27	16	,	,	PUNCT
hassl-3090	27	17	and	and	CCONJ
hassl-3090	27	18	its	its	PRON
hassl-3090	27	19	pace	pace	NOUN
hassl-3090	27	20	have	have	AUX
hassl-3090	27	21	increased	increase	VERB
hassl-3090	27	22	substantially	substantially	ADV
hassl-3090	27	23	.	.	PUNCT
hassl-3090	28	1	innovative	innovative	ADJ
hassl-3090	28	2	fintech	fintech	NOUN
hassl-3090	28	3	solutions	solution	NOUN
hassl-3090	28	4	that	that	PRON
hassl-3090	28	5	rely	rely	VERB
hassl-3090	28	6	on	on	ADP
hassl-3090	28	7	advanced	advanced	ADJ
hassl-3090	28	8	applications	application	NOUN
hassl-3090	28	9	in	in	ADP
hassl-3090	28	10	artificial	artificial	ADJ
hassl-3090	28	11	intelligence	intelligence	NOUN
hassl-3090	28	12	(	(	PUNCT
hassl-3090	28	13	ai	ai	VERB
hassl-3090	28	14	)	)	PUNCT
hassl-3090	28	15	are	be	AUX
hassl-3090	28	16	presently	presently	ADV
hassl-3090	28	17	being	be	AUX
hassl-3090	28	18	introduced	introduce	VERB
hassl-3090	28	19	as	as	ADV
hassl-3090	28	20	well	well	ADV
hassl-3090	28	21	as	as	ADP
hassl-3090	28	22	applied	apply	VERB
hassl-3090	28	23	at	at	ADP
hassl-3090	28	24	an	an	DET
hassl-3090	28	25	extraordinary	extraordinary	ADJ
hassl-3090	28	26	rate	rate	NOUN
hassl-3090	28	27	.	.	PUNCT
hassl-3090	29	1	such	such	ADJ
hassl-3090	29	2	solutions	solution	NOUN
hassl-3090	29	3	are	be	AUX
hassl-3090	29	4	altering	alter	VERB
hassl-3090	29	5	the	the	DET
hassl-3090	29	6	landscape	landscape	NOUN
hassl-3090	29	7	of	of	ADP
hassl-3090	29	8	the	the	DET
hassl-3090	29	9	entire	entire	ADJ
hassl-3090	29	10	financial	financial	ADJ
hassl-3090	29	11	industry	industry	NOUN
hassl-3090	29	12	through	through	ADP
hassl-3090	29	13	the	the	DET
hassl-3090	29	14	formation	formation	NOUN
hassl-3090	29	15	of	of	ADP
hassl-3090	29	16	many	many	ADJ
hassl-3090	29	17	opportunities	opportunity	NOUN
hassl-3090	29	18	,	,	PUNCT
hassl-3090	29	19	those	those	PRON
hassl-3090	29	20	are	be	AUX
hassl-3090	29	21	presenting	present	VERB
hassl-3090	29	22	a	a	DET
hassl-3090	29	23	more	more	ADV
hassl-3090	29	24	comprehensive	comprehensive	ADJ
hassl-3090	29	25	access	access	NOUN
hassl-3090	29	26	to	to	ADP
hassl-3090	29	27	financial	financial	ADJ
hassl-3090	29	28	services	service	NOUN
hassl-3090	29	29	(	(	PUNCT
hassl-3090	29	30	kitsios	kitsio	NOUN
hassl-3090	29	31	&	&	CCONJ
hassl-3090	29	32	kamariotou	kamariotou	PROPN
hassl-3090	29	33	,	,	PUNCT
hassl-3090	29	34	2021	2021	NUM
hassl-3090	29	35	)	)	PUNCT
hassl-3090	29	36	.	.	PUNCT
hassl-3090	30	1	there	there	PRON
hassl-3090	30	2	are	be	VERB
hassl-3090	30	3	several	several	ADJ
hassl-3090	30	4	reasons	reason	NOUN
hassl-3090	30	5	behind	behind	ADP
hassl-3090	30	6	the	the	DET
hassl-3090	30	7	necessity	necessity	NOUN
hassl-3090	30	8	for	for	ADP
hassl-3090	30	9	implementing	implement	VERB
hassl-3090	30	10	artificial	artificial	ADJ
hassl-3090	30	11	intelligence	intelligence	NOUN
hassl-3090	30	12	in	in	ADP
hassl-3090	30	13	banks	bank	NOUN
hassl-3090	30	14	and	and	CCONJ
hassl-3090	30	15	financial	financial	ADJ
hassl-3090	30	16	institutions	institution	NOUN
hassl-3090	30	17	.	.	PUNCT
hassl-3090	31	1	one	one	NUM
hassl-3090	31	2	of	of	ADP
hassl-3090	31	3	the	the	DET
hassl-3090	31	4	most	most	ADV
hassl-3090	31	5	important	important	ADJ
hassl-3090	31	6	factors	factor	NOUN
hassl-3090	31	7	that	that	PRON
hassl-3090	31	8	led	lead	VERB
hassl-3090	31	9	to	to	ADP
hassl-3090	31	10	the	the	DET
hassl-3090	31	11	applications	application	NOUN
hassl-3090	31	12	of	of	ADP
hassl-3090	31	13	ai	ai	NOUN
hassl-3090	31	14	in	in	ADP
hassl-3090	31	15	the	the	DET
hassl-3090	31	16	banking	banking	NOUN
hassl-3090	31	17	industry	industry	NOUN
hassl-3090	31	18	is	be	AUX
hassl-3090	31	19	the	the	DET
hassl-3090	31	20	regulatory	regulatory	ADJ
hassl-3090	31	21	encouragement	encouragement	NOUN
hassl-3090	31	22	.	.	PUNCT
hassl-3090	32	1	for	for	ADP
hassl-3090	32	2	instance	instance	NOUN
hassl-3090	32	3	,	,	PUNCT
hassl-3090	32	4	in	in	ADP
hassl-3090	32	5	december	december	PROPN
hassl-3090	32	6	2018	2018	NUM
hassl-3090	32	7	,	,	PUNCT
hassl-3090	32	8	us	us	PROPN
hassl-3090	32	9	government	government	NOUN
hassl-3090	32	10	agencies	agency	NOUN
hassl-3090	32	11	including	include	VERB
hassl-3090	32	12	federal	federal	PROPN
hassl-3090	32	13	reserve	reserve	PROPN
hassl-3090	32	14	,	,	PUNCT
hassl-3090	32	15	federal	federal	ADJ
hassl-3090	32	16	deposit	deposit	NOUN
hassl-3090	32	17	insurance	insurance	NOUN
hassl-3090	32	18	corporation	corporation	NOUN
hassl-3090	32	19	,	,	PUNCT
hassl-3090	32	20	financial	financial	ADJ
hassl-3090	32	21	crimes	crime	NOUN
hassl-3090	32	22	enforcement	enforcement	NOUN
hassl-3090	32	23	network	network	NOUN
hassl-3090	32	24	,	,	PUNCT
hassl-3090	32	25	and	and	CCONJ
hassl-3090	32	26	national	national	ADJ
hassl-3090	32	27	credit	credit	NOUN
hassl-3090	32	28	union	union	NOUN
hassl-3090	32	29	joined	join	VERB
hassl-3090	32	30	in	in	ADP
hassl-3090	32	31	an	an	DET
hassl-3090	32	32	effort	effort	NOUN
hassl-3090	32	33	to	to	PART
hassl-3090	32	34	combat	combat	VERB
hassl-3090	32	35	money	money	NOUN
hassl-3090	32	36	laundering	laundering	NOUN
hassl-3090	32	37	,	,	PUNCT
hassl-3090	32	38	and	and	CCONJ
hassl-3090	32	39	terrorist	terrorist	ADJ
hassl-3090	32	40	financing	financing	NOUN
hassl-3090	32	41	.	.	PUNCT
hassl-3090	33	1	as	as	ADP
hassl-3090	33	2	a	a	DET
hassl-3090	33	3	result	result	NOUN
hassl-3090	33	4	,	,	PUNCT
hassl-3090	33	5	banks	bank	NOUN
hassl-3090	33	6	were	be	AUX
hassl-3090	33	7	recommended	recommend	VERB
hassl-3090	33	8	to	to	PART
hassl-3090	33	9	implement	implement	VERB
hassl-3090	33	10	innovative	innovative	ADJ
hassl-3090	33	11	ai	ai	NOUN
hassl-3090	33	12	tools	tool	NOUN
hassl-3090	33	13	and	and	CCONJ
hassl-3090	33	14	technologies	technology	NOUN
hassl-3090	33	15	.	.	PUNCT
hassl-3090	34	1	the	the	DET
hassl-3090	34	2	banking	banking	NOUN
hassl-3090	34	3	industry	industry	NOUN
hassl-3090	34	4	has	have	AUX
hassl-3090	34	5	undertaken	undertake	VERB
hassl-3090	34	6	substantial	substantial	ADJ
hassl-3090	34	7	changes	change	NOUN
hassl-3090	34	8	in	in	ADP
hassl-3090	34	9	recent	recent	ADJ
hassl-3090	34	10	years	year	NOUN
hassl-3090	34	11	,	,	PUNCT
hassl-3090	34	12	due	due	ADP
hassl-3090	34	13	to	to	ADP
hassl-3090	34	14	the	the	DET
hassl-3090	34	15	demand	demand	NOUN
hassl-3090	34	16	for	for	ADP
hassl-3090	34	17	more	more	ADV
hassl-3090	34	18	efficient	efficient	ADJ
hassl-3090	34	19	and	and	CCONJ
hassl-3090	34	20	secure	secure	VERB
hassl-3090	34	21	financial	financial	ADJ
hassl-3090	34	22	transactions	transaction	NOUN
hassl-3090	34	23	and	and	CCONJ
hassl-3090	34	24	services	service	NOUN
hassl-3090	34	25	.	.	PUNCT
hassl-3090	35	1	to	to	PART
hassl-3090	35	2	meet	meet	VERB
hassl-3090	35	3	such	such	ADJ
hassl-3090	35	4	demands	demand	NOUN
hassl-3090	35	5	,	,	PUNCT
hassl-3090	35	6	the	the	DET
hassl-3090	35	7	banking	banking	NOUN
hassl-3090	35	8	industry	industry	NOUN
hassl-3090	35	9	found	find	VERB
hassl-3090	35	10	itself	itself	PRON
hassl-3090	35	11	face	face	VERB
hassl-3090	35	12	-	-	PUNCT
hassl-3090	35	13	to	to	ADP
hassl-3090	35	14	-	-	PUNCT
hassl-3090	35	15	face	face	NOUN
hassl-3090	35	16	with	with	ADP
hassl-3090	35	17	the	the	DET
hassl-3090	35	18	need	need	NOUN
hassl-3090	35	19	for	for	ADP
hassl-3090	35	20	digitalization	digitalization	NOUN
hassl-3090	35	21	,	,	PUNCT
hassl-3090	35	22	which	which	PRON
hassl-3090	35	23	requires	require	VERB
hassl-3090	35	24	technologies	technology	NOUN
hassl-3090	35	25	that	that	PRON
hassl-3090	35	26	will	will	AUX
hassl-3090	35	27	impact	impact	VERB
hassl-3090	35	28	virtually	virtually	ADV
hassl-3090	35	29	all	all	DET
hassl-3090	35	30	banking	banking	NOUN
hassl-3090	35	31	operations	operation	NOUN
hassl-3090	35	32	.	.	PUNCT
hassl-3090	36	1	the	the	DET
hassl-3090	36	2	concept	concept	NOUN
hassl-3090	36	3	of	of	ADP
hassl-3090	36	4	"	"	PUNCT
hassl-3090	36	5	fintech	fintech	NOUN
hassl-3090	36	6	"	"	PUNCT
hassl-3090	36	7	has	have	AUX
hassl-3090	36	8	increased	increase	VERB
hassl-3090	36	9	swiftly	swiftly	ADV
hassl-3090	36	10	worldwide	worldwide	ADV
hassl-3090	36	11	,	,	PUNCT
hassl-3090	36	12	due	due	ADP
hassl-3090	36	13	to	to	ADP
hassl-3090	36	14	the	the	DET
hassl-3090	36	15	prevailing	prevail	VERB
hassl-3090	36	16	and	and	CCONJ
hassl-3090	36	17	current	current	ADJ
hassl-3090	36	18	financial	financial	ADJ
hassl-3090	36	19	business	business	NOUN
hassl-3090	36	20	models	model	NOUN
hassl-3090	36	21	that	that	PRON
hassl-3090	36	22	seem	seem	VERB
hassl-3090	36	23	to	to	PART
hassl-3090	36	24	have	have	VERB
hassl-3090	36	25	an	an	DET
hassl-3090	36	26	increasing	increase	VERB
hassl-3090	36	27	need	need	NOUN
hassl-3090	36	28	for	for	ADP
hassl-3090	36	29	the	the	DET
hassl-3090	36	30	popularization	popularization	NOUN
hassl-3090	36	31	of	of	ADP
hassl-3090	36	32	new	new	ADJ
hassl-3090	36	33	technologies	technology	NOUN
hassl-3090	36	34	.	.	PUNCT
hassl-3090	37	1	fintech	fintech	NOUN
hassl-3090	37	2	is	be	AUX
hassl-3090	37	3	short	short	ADJ
hassl-3090	37	4	for	for	ADP
hassl-3090	37	5	financial	financial	ADJ
hassl-3090	37	6	technology	technology	NOUN
hassl-3090	37	7	that	that	PRON
hassl-3090	37	8	includes	include	VERB
hassl-3090	37	9	a	a	DET
hassl-3090	37	10	vast	vast	ADJ
hassl-3090	37	11	range	range	NOUN
hassl-3090	37	12	of	of	ADP
hassl-3090	37	13	electronic	electronic	ADJ
hassl-3090	37	14	financial	financial	ADJ
hassl-3090	37	15	products	product	NOUN
hassl-3090	37	16	and	and	CCONJ
hassl-3090	37	17	services	service	NOUN
hassl-3090	37	18	.	.	PUNCT
hassl-3090	38	1	according	accord	VERB
hassl-3090	38	2	to	to	ADP
hassl-3090	38	3	zavolokina	zavolokina	PROPN
hassl-3090	38	4	,	,	PUNCT
hassl-3090	38	5	dolata	dolata	NOUN
hassl-3090	38	6	,	,	PUNCT
hassl-3090	38	7	and	and	CCONJ
hassl-3090	38	8	schwabe	schwabe	NOUN
hassl-3090	38	9	(	(	PUNCT
hassl-3090	38	10	2016	2016	NUM
hassl-3090	38	11	)	)	PUNCT
hassl-3090	38	12	fintech	fintech	NOUN
hassl-3090	38	13	companies	company	NOUN
hassl-3090	38	14	are	be	AUX
hassl-3090	38	15	characterized	characterize	VERB
hassl-3090	38	16	as	as	ADP
hassl-3090	38	17	financial	financial	ADJ
hassl-3090	38	18	companies	company	NOUN
hassl-3090	38	19	,	,	PUNCT
hassl-3090	38	20	those	those	PRON
hassl-3090	38	21	are	be	AUX
hassl-3090	38	22	generating	generate	VERB
hassl-3090	38	23	,	,	PUNCT
hassl-3090	38	24	adjusting	adjust	VERB
hassl-3090	38	25	as	as	ADV
hassl-3090	38	26	well	well	ADV
hassl-3090	38	27	as	as	ADP
hassl-3090	38	28	improving	improve	VERB
hassl-3090	38	29	their	their	PRON
hassl-3090	38	30	current	current	ADJ
hassl-3090	38	31	services	service	NOUN
hassl-3090	38	32	based	base	VERB
hassl-3090	38	33	on	on	ADP
hassl-3090	38	34	innovative	innovative	ADJ
hassl-3090	38	35	technological	technological	ADJ
hassl-3090	38	36	opportunities	opportunity	NOUN
hassl-3090	38	37	in	in	ADP
hassl-3090	38	38	an	an	DET
hassl-3090	38	39	effort	effort	NOUN
hassl-3090	38	40	to	to	PART
hassl-3090	38	41	enhance	enhance	VERB
hassl-3090	38	42	the	the	DET
hassl-3090	38	43	quality	quality	NOUN
hassl-3090	38	44	of	of	ADP
hassl-3090	38	45	these	these	DET
hassl-3090	38	46	services	service	NOUN
hassl-3090	38	47	for	for	ADP
hassl-3090	38	48	their	their	PRON
hassl-3090	38	49	digitally	digitally	ADV
hassl-3090	38	50	inclined	incline	VERB
hassl-3090	38	51	customers	customer	NOUN
hassl-3090	38	52	.	.	PUNCT
hassl-3090	39	1	fintech	fintech	NOUN
hassl-3090	39	2	brings	bring	VERB
hassl-3090	39	3	about	about	ADP
hassl-3090	39	4	new	new	ADJ
hassl-3090	39	5	business	business	NOUN
hassl-3090	39	6	models	model	NOUN
hassl-3090	39	7	that	that	PRON
hassl-3090	39	8	are	be	AUX
hassl-3090	39	9	changing	change	VERB
hassl-3090	39	10	the	the	DET
hassl-3090	39	11	financial	financial	ADJ
hassl-3090	39	12	services	service	NOUN
hassl-3090	39	13	industry	industry	NOUN
hassl-3090	39	14	.	.	PUNCT
hassl-3090	40	1	according	accord	VERB
hassl-3090	40	2	to	to	ADP
hassl-3090	40	3	puschmann	puschmann	PROPN
hassl-3090	40	4	(	(	PUNCT
hassl-3090	40	5	2017	2017	NUM
hassl-3090	40	6	)	)	PUNCT
hassl-3090	40	7	,	,	PUNCT
hassl-3090	40	8	the	the	DET
hassl-3090	40	9	role	role	NOUN
hassl-3090	40	10	of	of	ADP
hassl-3090	40	11	(	(	PUNCT
hassl-3090	40	12	it	it	PRON
hassl-3090	40	13	)	)	PUNCT
hassl-3090	40	14	traditionally	traditionally	ADV
hassl-3090	40	15	was	be	AUX
hassl-3090	40	16	to	to	PART
hassl-3090	40	17	cut	cut	VERB
hassl-3090	40	18	business	business	NOUN
hassl-3090	40	19	operating	operating	NOUN
hassl-3090	40	20	costs	cost	NOUN
hassl-3090	40	21	as	as	ADV
hassl-3090	40	22	well	well	ADV
hassl-3090	40	23	as	as	ADP
hassl-3090	40	24	elevating	elevate	VERB
hassl-3090	40	25	organizational	organizational	ADJ
hassl-3090	40	26	efficiency	efficiency	NOUN
hassl-3090	40	27	through	through	ADP
hassl-3090	40	28	automating	automate	VERB
hassl-3090	40	29	most	most	ADJ
hassl-3090	40	30	of	of	ADP
hassl-3090	40	31	business	business	NOUN
hassl-3090	40	32	processes	process	NOUN
hassl-3090	40	33	.	.	PUNCT
hassl-3090	41	1	consequently	consequently	ADV
hassl-3090	41	2	,	,	PUNCT
hassl-3090	41	3	the	the	DET
hassl-3090	41	4	banking	banking	NOUN
hassl-3090	41	5	industry	industry	NOUN
hassl-3090	41	6	has	have	AUX
hassl-3090	41	7	always	always	ADV
hassl-3090	41	8	been	be	AUX
hassl-3090	41	9	considered	consider	VERB
hassl-3090	41	10	as	as	ADP
hassl-3090	41	11	one	one	NUM
hassl-3090	41	12	of	of	ADP
hassl-3090	41	13	those	those	DET
hassl-3090	41	14	industries	industry	NOUN
hassl-3090	41	15	that	that	PRON
hassl-3090	41	16	have	have	VERB
hassl-3090	41	17	a	a	DET
hassl-3090	41	18	high	high	ADJ
hassl-3090	41	19	demand	demand	NOUN
hassl-3090	41	20	for	for	ADP
hassl-3090	41	21	acquiring	acquire	VERB
hassl-3090	41	22	and	and	CCONJ
hassl-3090	41	23	applying	apply	VERB
hassl-3090	41	24	different	different	ADJ
hassl-3090	41	25	it	it	PRON
hassl-3090	41	26	tools	tool	NOUN
hassl-3090	41	27	and	and	CCONJ
hassl-3090	41	28	solutions	solution	NOUN
hassl-3090	41	29	.	.	PUNCT
hassl-3090	42	1	this	this	PRON
hassl-3090	42	2	is	be	AUX
hassl-3090	42	3	due	due	ADJ
hassl-3090	42	4	to	to	ADP
hassl-3090	42	5	the	the	DET
hassl-3090	42	6	fact	fact	NOUN
hassl-3090	42	7	that	that	SCONJ
hassl-3090	42	8	the	the	DET
hassl-3090	42	9	successful	successful	ADJ
hassl-3090	42	10	completion	completion	NOUN
hassl-3090	42	11	of	of	ADP
hassl-3090	42	12	all	all	DET
hassl-3090	42	13	financial	financial	ADJ
hassl-3090	42	14	transactions	transaction	NOUN
hassl-3090	42	15	is	be	AUX
hassl-3090	42	16	accomplished	accomplish	VERB
hassl-3090	42	17	without	without	ADP
hassl-3090	42	18	any	any	DET
hassl-3090	42	19	human	human	ADJ
hassl-3090	42	20	intervention	intervention	NOUN
hassl-3090	42	21	(	(	PUNCT
hassl-3090	42	22	puschmann	puschmann	PROPN
hassl-3090	42	23	,	,	PUNCT
hassl-3090	42	24	2017	2017	NUM
hassl-3090	42	25	)	)	PUNCT
hassl-3090	42	26	.	.	PUNCT
hassl-3090	43	1	it	it	PRON
hassl-3090	43	2	has	have	AUX
hassl-3090	43	3	brought	bring	VERB
hassl-3090	43	4	about	about	ADP
hassl-3090	43	5	a	a	DET
hassl-3090	43	6	whole	whole	ADJ
hassl-3090	43	7	new	new	ADJ
hassl-3090	43	8	way	way	NOUN
hassl-3090	43	9	of	of	ADP
hassl-3090	43	10	doing	do	VERB
hassl-3090	43	11	business	business	NOUN
hassl-3090	43	12	today	today	NOUN
hassl-3090	43	13	thanks	thank	NOUN
hassl-3090	43	14	to	to	ADP
hassl-3090	43	15	a	a	DET
hassl-3090	43	16	set	set	NOUN
hassl-3090	43	17	of	of	ADP
hassl-3090	43	18	new	new	ADJ
hassl-3090	43	19	prevalent	prevalent	ADJ
hassl-3090	43	20	digital	digital	ADJ
hassl-3090	43	21	tools	tool	NOUN
hassl-3090	43	22	and	and	CCONJ
hassl-3090	43	23	technologies	technology	NOUN
hassl-3090	43	24	(	(	PUNCT
hassl-3090	43	25	el	el	PROPN
hassl-3090	43	26	sawy	sawy	PROPN
hassl-3090	43	27	&	&	CCONJ
hassl-3090	43	28	pereira	pereira	PROPN
hassl-3090	43	29	,	,	PUNCT
hassl-3090	43	30	2013	2013	NUM
hassl-3090	43	31	)	)	PUNCT
hassl-3090	43	32	.	.	PUNCT
hassl-3090	44	1	based	base	VERB
hassl-3090	44	2	on	on	ADP
hassl-3090	44	3	this	this	DET
hassl-3090	44	4	new	new	ADJ
hassl-3090	44	5	prevalent	prevalent	ADJ
hassl-3090	44	6	role	role	NOUN
hassl-3090	44	7	of	of	ADP
hassl-3090	44	8	it	it	PRON
hassl-3090	44	9	,	,	PUNCT
hassl-3090	44	10	organizations	organization	NOUN
hassl-3090	44	11	on	on	ADP
hassl-3090	44	12	the	the	DET
hassl-3090	44	13	whole	whole	NOUN
hassl-3090	44	14	are	be	AUX
hassl-3090	44	15	forced	force	VERB
hassl-3090	44	16	to	to	PART
hassl-3090	44	17	transform	transform	VERB
hassl-3090	44	18	the	the	DET
hassl-3090	44	19	way	way	NOUN
hassl-3090	44	20	they	they	PRON
hassl-3090	44	21	do	do	VERB
hassl-3090	44	22	business	business	NOUN
hassl-3090	44	23	by	by	ADP
hassl-3090	44	24	constructing	construct	VERB
hassl-3090	44	25	and	and	CCONJ
hassl-3090	44	26	adopting	adopt	VERB
hassl-3090	44	27	new	new	ADJ
hassl-3090	44	28	business	business	NOUN
hassl-3090	44	29	models	model	NOUN
hassl-3090	44	30	that	that	PRON
hassl-3090	44	31	are	be	AUX
hassl-3090	44	32	based	base	VERB
hassl-3090	44	33	on	on	ADP
hassl-3090	44	34	the	the	DET
hassl-3090	44	35	adoption	adoption	NOUN
hassl-3090	44	36	and	and	CCONJ
hassl-3090	44	37	implementation	implementation	NOUN
hassl-3090	44	38	of	of	ADP
hassl-3090	44	39	it	it	PRON
hassl-3090	44	40	’s	’	VERB
hassl-3090	44	41	tools	tool	NOUN
hassl-3090	44	42	(	(	PUNCT
hassl-3090	44	43	fichman	fichman	ADJ
hassl-3090	44	44	,	,	PUNCT
hassl-3090	44	45	santos	santo	NOUN
hassl-3090	44	46	,	,	PUNCT
hassl-3090	44	47	&	&	CCONJ
hassl-3090	44	48	zheng	zheng	PROPN
hassl-3090	44	49	,	,	PUNCT
hassl-3090	44	50	2014	2014	NUM
hassl-3090	44	51	;	;	PUNCT
hassl-3090	44	52	plastino	plastino	PROPN
hassl-3090	44	53	&	&	CCONJ
hassl-3090	44	54	purdy	purdy	PROPN
hassl-3090	44	55	,	,	PUNCT
hassl-3090	44	56	2018	2018	NUM
hassl-3090	44	57	)	)	PUNCT
hassl-3090	44	58	.	.	PUNCT
hassl-3090	45	1	furthermore	furthermore	ADV
hassl-3090	45	2	,	,	PUNCT
hassl-3090	45	3	the	the	DET
hassl-3090	45	4	influence	influence	NOUN
hassl-3090	45	5	of	of	ADP
hassl-3090	45	6	such	such	ADJ
hassl-3090	45	7	transformation	transformation	NOUN
hassl-3090	45	8	can	can	AUX
hassl-3090	45	9	be	be	AUX
hassl-3090	45	10	observed	observe	VERB
hassl-3090	45	11	throughout	throughout	ADP
hassl-3090	45	12	the	the	DET
hassl-3090	45	13	entire	entire	ADJ
hassl-3090	45	14	business	business	NOUN
hassl-3090	45	15	landscape	landscape	NOUN
hassl-3090	45	16	,	,	PUNCT
hassl-3090	45	17	specifically	specifically	ADV
hassl-3090	45	18	in	in	ADP
hassl-3090	45	19	the	the	DET
hassl-3090	45	20	financial	financial	ADJ
hassl-3090	45	21	services	service	NOUN
hassl-3090	45	22	industry	industry	NOUN
hassl-3090	45	23	where	where	SCONJ
hassl-3090	45	24	fintech	fintech	NOUN
hassl-3090	45	25	has	have	AUX
hassl-3090	45	26	emerged	emerge	VERB
hassl-3090	45	27	as	as	ADP
hassl-3090	45	28	a	a	DET
hassl-3090	45	29	new	new	ADJ
hassl-3090	45	30	business	business	NOUN
hassl-3090	45	31	model	model	NOUN
hassl-3090	45	32	therefore	therefore	ADV
hassl-3090	45	33	,	,	PUNCT
hassl-3090	45	34	the	the	DET
hassl-3090	45	35	implementation	implementation	NOUN
hassl-3090	45	36	of	of	ADP
hassl-3090	45	37	ai	ai	INTJ
hassl-3090	45	38	brings	bring	NOUN
hassl-3090	45	39	about	about	ADP
hassl-3090	45	40	new	new	ADJ
hassl-3090	45	41	compound	compound	NOUN
hassl-3090	45	42	challenges	challenge	NOUN
hassl-3090	45	43	to	to	ADP
hassl-3090	45	44	businesses	business	NOUN
hassl-3090	45	45	that	that	PRON
hassl-3090	45	46	go	go	VERB
hassl-3090	45	47	beyond	beyond	ADP
hassl-3090	45	48	the	the	DET
hassl-3090	45	49	traditional	traditional	ADJ
hassl-3090	45	50	management	management	NOUN
hassl-3090	45	51	of	of	ADP
hassl-3090	45	52	the	the	DET
hassl-3090	45	53	classical	classical	ADJ
hassl-3090	45	54	it	it	PRON
hassl-3090	45	55	applications	application	NOUN
hassl-3090	45	56	(	(	PUNCT
hassl-3090	45	57	berente	berente	X
hassl-3090	45	58	,	,	PUNCT
hassl-3090	45	59	gu	gu	NOUN
hassl-3090	45	60	,	,	PUNCT
hassl-3090	45	61	recker	recker	NOUN
hassl-3090	45	62	,	,	PUNCT
hassl-3090	45	63	&	&	CCONJ
hassl-3090	45	64	santhanam	santhanam	PROPN
hassl-3090	45	65	,	,	PUNCT
hassl-3090	45	66	2019	2019	NUM
hassl-3090	45	67	)	)	PUNCT
hassl-3090	45	68	.	.	PUNCT
hassl-3090	46	1	in	in	ADP
hassl-3090	46	2	this	this	DET
hassl-3090	46	3	regard	regard	NOUN
hassl-3090	46	4	,	,	PUNCT
hassl-3090	46	5	fichman	fichman	PROPN
hassl-3090	46	6	et	et	PROPN
hassl-3090	46	7	al	al	PROPN
hassl-3090	46	8	.	.	PROPN
hassl-3090	47	1	(	(	PUNCT
hassl-3090	47	2	2014	2014	NUM
hassl-3090	47	3	)	)	PUNCT
hassl-3090	47	4	indicated	indicate	VERB
hassl-3090	47	5	that	that	SCONJ
hassl-3090	47	6	the	the	DET
hassl-3090	47	7	intense	intense	ADJ
hassl-3090	47	8	competition	competition	NOUN
hassl-3090	47	9	between	between	ADP
hassl-3090	47	10	financial	financial	ADJ
hassl-3090	47	11	services	service	NOUN
hassl-3090	47	12	companies	company	NOUN
hassl-3090	47	13	,	,	PUNCT
hassl-3090	47	14	has	have	AUX
hassl-3090	47	15	forced	force	VERB
hassl-3090	47	16	these	these	DET
hassl-3090	47	17	companies	company	NOUN
hassl-3090	47	18	to	to	PART
hassl-3090	47	19	adopt	adopt	VERB
hassl-3090	47	20	and	and	CCONJ
hassl-3090	47	21	implement	implement	VERB
hassl-3090	47	22	a	a	DET
hassl-3090	47	23	set	set	NOUN
hassl-3090	47	24	of	of	ADP
hassl-3090	47	25	new	new	ADJ
hassl-3090	47	26	predominant	predominant	ADJ
hassl-3090	47	27	and	and	CCONJ
hassl-3090	47	28	ubiquitous	ubiquitous	ADJ
hassl-3090	47	29	technologies	technology	NOUN
hassl-3090	47	30	,	,	PUNCT
hassl-3090	47	31	such	such	ADJ
hassl-3090	47	32	as	as	ADP
hassl-3090	47	33	big	big	ADJ
hassl-3090	47	34	data	datum	NOUN
hassl-3090	47	35	analytics	analytic	NOUN
hassl-3090	47	36	,	,	PUNCT
hassl-3090	47	37	social	social	ADJ
hassl-3090	47	38	media	medium	NOUN
hassl-3090	47	39	,	,	PUNCT
hassl-3090	47	40	and	and	CCONJ
hassl-3090	47	41	cloud	cloud	NOUN
hassl-3090	47	42	computing	computing	NOUN
hassl-3090	47	43	,	,	PUNCT
hassl-3090	47	44	which	which	PRON
hassl-3090	47	45	are	be	AUX
hassl-3090	47	46	the	the	DET
hassl-3090	47	47	foundation	foundation	NOUN
hassl-3090	47	48	of	of	ADP
hassl-3090	47	49	fintech	fintech	NOUN
hassl-3090	47	50	.	.	PUNCT
hassl-3090	48	1	although	although	SCONJ
hassl-3090	48	2	,	,	PUNCT
hassl-3090	48	3	advancements	advancement	NOUN
hassl-3090	48	4	in	in	ADP
hassl-3090	48	5	technological	technological	ADJ
hassl-3090	48	6	adoption	adoption	NOUN
hassl-3090	48	7	has	have	AUX
hassl-3090	48	8	also	also	ADV
hassl-3090	48	9	led	lead	VERB
hassl-3090	48	10	the	the	DET
hassl-3090	48	11	attention	attention	NOUN
hassl-3090	48	12	of	of	ADP
hassl-3090	48	13	researchers	researcher	NOUN
hassl-3090	48	14	to	to	PART
hassl-3090	48	15	highlight	highlight	VERB
hassl-3090	48	16	the	the	DET
hassl-3090	48	17	role	role	NOUN
hassl-3090	48	18	and	and	CCONJ
hassl-3090	48	19	impact	impact	NOUN
hassl-3090	48	20	of	of	ADP
hassl-3090	48	21	such	such	ADJ
hassl-3090	48	22	technological	technological	ADJ
hassl-3090	48	23	adoption	adoption	NOUN
hassl-3090	48	24	on	on	ADP
hassl-3090	48	25	businesses	business	NOUN
hassl-3090	48	26	,	,	PUNCT
hassl-3090	48	27	the	the	DET
hassl-3090	48	28	current	current	ADJ
hassl-3090	48	29	literature	literature	NOUN
hassl-3090	48	30	still	still	ADV
hassl-3090	48	31	lacks	lack	VERB
hassl-3090	48	32	evidence	evidence	NOUN
hassl-3090	48	33	regarding	regard	VERB
hassl-3090	48	34	the	the	DET
hassl-3090	48	35	various	various	ADJ
hassl-3090	48	36	aspects	aspect	NOUN
hassl-3090	48	37	of	of	ADP
hassl-3090	48	38	these	these	DET
hassl-3090	48	39	technologies	technology	NOUN
hassl-3090	48	40	and	and	CCONJ
hassl-3090	48	41	their	their	PRON
hassl-3090	48	42	potential	potential	ADJ
hassl-3090	48	43	impact	impact	NOUN
hassl-3090	48	44	and	and	CCONJ
hassl-3090	48	45	role	role	NOUN
hassl-3090	48	46	in	in	ADP
hassl-3090	48	47	different	different	ADJ
hassl-3090	48	48	kinds	kind	NOUN
hassl-3090	48	49	of	of	ADP
hassl-3090	48	50	businesses	business	NOUN
hassl-3090	48	51	.	.	PUNCT
hassl-3090	49	1	in	in	ADP
hassl-3090	49	2	other	other	ADJ
hassl-3090	49	3	words	word	NOUN
hassl-3090	49	4	,	,	PUNCT
hassl-3090	49	5	although	although	SCONJ
hassl-3090	49	6	artificial	artificial	ADJ
hassl-3090	49	7	intelligence	intelligence	NOUN
hassl-3090	49	8	(	(	PUNCT
hassl-3090	49	9	ai	ai	NOUN
hassl-3090	49	10	)	)	PUNCT
hassl-3090	49	11	has	have	AUX
hassl-3090	49	12	proven	prove	VERB
hassl-3090	49	13	itself	itself	PRON
hassl-3090	49	14	as	as	ADP
hassl-3090	49	15	an	an	DET
hassl-3090	49	16	effective	effective	ADJ
hassl-3090	49	17	agent	agent	NOUN
hassl-3090	49	18	in	in	ADP
hassl-3090	49	19	the	the	DET
hassl-3090	49	20	digital	digital	ADJ
hassl-3090	49	21	transformation	transformation	NOUN
hassl-3090	49	22	of	of	ADP
hassl-3090	49	23	banking	banking	NOUN
hassl-3090	49	24	industries	industry	NOUN
hassl-3090	49	25	;	;	PUNCT
hassl-3090	49	26	the	the	DET
hassl-3090	49	27	review	review	NOUN
hassl-3090	49	28	of	of	ADP
hassl-3090	49	29	literature	literature	NOUN
hassl-3090	49	30	shows	show	VERB
hassl-3090	49	31	an	an	DET
hassl-3090	49	32	absence	absence	NOUN
hassl-3090	49	33	of	of	ADP
hassl-3090	49	34	empirical	empirical	ADJ
hassl-3090	49	35	research	research	NOUN
hassl-3090	49	36	efforts	effort	NOUN
hassl-3090	49	37	in	in	ADP
hassl-3090	49	38	studying	study	VERB
hassl-3090	49	39	and	and	CCONJ
hassl-3090	49	40	evaluating	evaluate	VERB
hassl-3090	49	41	the	the	DET
hassl-3090	49	42	impact	impact	NOUN
hassl-3090	49	43	that	that	PRON
hassl-3090	49	44	ai	ai	VERB
hassl-3090	49	45	has	have	AUX
hassl-3090	49	46	had	have	VERB
hassl-3090	49	47	in	in	ADP
hassl-3090	49	48	the	the	DET
hassl-3090	49	49	digital	digital	ADJ
hassl-3090	49	50	transformation	transformation	NOUN
hassl-3090	49	51	of	of	ADP
hassl-3090	49	52	banking	banking	NOUN
hassl-3090	49	53	services	service	NOUN
hassl-3090	49	54	industry	industry	NOUN
hassl-3090	49	55	.	.	PUNCT
hassl-3090	50	1	humanities	humanity	NOUN
hassl-3090	50	2	and	and	CCONJ
hassl-3090	50	3	social	social	ADJ
hassl-3090	50	4	sciences	science	NOUN
hassl-3090	50	5	letters	letter	NOUN
hassl-3090	50	6	,	,	PUNCT
hassl-3090	50	7	2022	2022	NUM
hassl-3090	50	8	,	,	PUNCT
hassl-3090	50	9	10(3	10(3	NUM
hassl-3090	50	10	):	):	PUNCT
hassl-3090	50	11	383	383	NUM
hassl-3090	50	12	-	-	SYM
hassl-3090	50	13	393	393	NUM
hassl-3090	50	14	385	385	NUM
hassl-3090	50	15	©	©	PROPN
hassl-3090	50	16	2022	2022	NUM
hassl-3090	50	17	conscientia	conscientia	PROPN
hassl-3090	50	18	beam	beam	PROPN
hassl-3090	50	19	.	.	PUNCT
hassl-3090	51	1	all	all	DET
hassl-3090	51	2	rights	right	NOUN
hassl-3090	51	3	reserved	reserve	VERB
hassl-3090	51	4	.	.	PUNCT
hassl-3090	52	1	thus	thus	ADV
hassl-3090	52	2	,	,	PUNCT
hassl-3090	52	3	since	since	SCONJ
hassl-3090	52	4	there	there	PRON
hassl-3090	52	5	is	be	VERB
hassl-3090	52	6	a	a	DET
hassl-3090	52	7	dearth	dearth	NOUN
hassl-3090	52	8	of	of	ADP
hassl-3090	52	9	research	research	NOUN
hassl-3090	52	10	studies	study	NOUN
hassl-3090	52	11	on	on	ADP
hassl-3090	52	12	the	the	DET
hassl-3090	52	13	role	role	NOUN
hassl-3090	52	14	of	of	ADP
hassl-3090	52	15	ai	ai	VERB
hassl-3090	52	16	in	in	ADP
hassl-3090	52	17	the	the	DET
hassl-3090	52	18	enhancement	enhancement	NOUN
hassl-3090	52	19	of	of	ADP
hassl-3090	52	20	banking	banking	NOUN
hassl-3090	52	21	services	service	NOUN
hassl-3090	52	22	,	,	PUNCT
hassl-3090	52	23	the	the	DET
hassl-3090	52	24	current	current	ADJ
hassl-3090	52	25	research	research	NOUN
hassl-3090	52	26	was	be	AUX
hassl-3090	52	27	motivated	motivate	VERB
hassl-3090	52	28	to	to	PART
hassl-3090	52	29	fill	fill	VERB
hassl-3090	52	30	this	this	DET
hassl-3090	52	31	gap	gap	NOUN
hassl-3090	52	32	through	through	ADP
hassl-3090	52	33	answering	answer	VERB
hassl-3090	52	34	the	the	DET
hassl-3090	52	35	role	role	NOUN
hassl-3090	52	36	of	of	ADP
hassl-3090	52	37	different	different	ADJ
hassl-3090	52	38	ai	ai	VERB
hassl-3090	52	39	based	base	VERB
hassl-3090	52	40	banking	banking	NOUN
hassl-3090	52	41	systems	system	NOUN
hassl-3090	52	42	tools	tool	NOUN
hassl-3090	52	43	like	like	ADP
hassl-3090	52	44	mobile	mobile	ADJ
hassl-3090	52	45	banking	banking	NOUN
hassl-3090	52	46	,	,	PUNCT
hassl-3090	52	47	chat	chat	VERB
hassl-3090	52	48	bots	bot	NOUN
hassl-3090	52	49	,	,	PUNCT
hassl-3090	52	50	transaction	transaction	NOUN
hassl-3090	52	51	data	datum	NOUN
hassl-3090	52	52	enhancement	enhancement	NOUN
hassl-3090	52	53	and	and	CCONJ
hassl-3090	52	54	data	datum	NOUN
hassl-3090	52	55	collection	collection	NOUN
hassl-3090	52	56	.	.	PUNCT
hassl-3090	53	1	these	these	DET
hassl-3090	53	2	tools	tool	NOUN
hassl-3090	53	3	have	have	AUX
hassl-3090	53	4	contributed	contribute	VERB
hassl-3090	53	5	in	in	ADP
hassl-3090	53	6	the	the	DET
hassl-3090	53	7	enhancement	enhancement	NOUN
hassl-3090	53	8	of	of	ADP
hassl-3090	53	9	jordanian	jordanian	ADJ
hassl-3090	53	10	banking	banking	NOUN
hassl-3090	53	11	services	service	NOUN
hassl-3090	53	12	industry	industry	NOUN
hassl-3090	53	13	in	in	ADP
hassl-3090	53	14	terms	term	NOUN
hassl-3090	53	15	of	of	ADP
hassl-3090	53	16	cost	cost	NOUN
hassl-3090	53	17	reduction	reduction	NOUN
hassl-3090	53	18	,	,	PUNCT
hassl-3090	53	19	creating	create	VERB
hassl-3090	53	20	convenience	convenience	NOUN
hassl-3090	53	21	,	,	PUNCT
hassl-3090	53	22	risk	risk	NOUN
hassl-3090	53	23	management	management	NOUN
hassl-3090	53	24	,	,	PUNCT
hassl-3090	53	25	and	and	CCONJ
hassl-3090	53	26	building	build	VERB
hassl-3090	53	27	trust	trust	NOUN
hassl-3090	53	28	of	of	ADP
hassl-3090	53	29	clients	client	NOUN
hassl-3090	53	30	.	.	PUNCT
hassl-3090	54	1	moreover	moreover	ADV
hassl-3090	54	2	,	,	PUNCT
hassl-3090	54	3	this	this	DET
hassl-3090	54	4	research	research	NOUN
hassl-3090	54	5	not	not	PART
hassl-3090	54	6	only	only	ADV
hassl-3090	54	7	contributes	contribute	VERB
hassl-3090	54	8	significantly	significantly	ADV
hassl-3090	54	9	to	to	ADP
hassl-3090	54	10	the	the	DET
hassl-3090	54	11	literature	literature	NOUN
hassl-3090	54	12	by	by	ADP
hassl-3090	54	13	filling	fill	VERB
hassl-3090	54	14	this	this	DET
hassl-3090	54	15	gap	gap	NOUN
hassl-3090	54	16	,	,	PUNCT
hassl-3090	54	17	but	but	CCONJ
hassl-3090	54	18	also	also	ADV
hassl-3090	54	19	to	to	ADP
hassl-3090	54	20	knowledge	knowledge	NOUN
hassl-3090	54	21	and	and	CCONJ
hassl-3090	54	22	awareness	awareness	NOUN
hassl-3090	54	23	of	of	ADP
hassl-3090	54	24	bankers	banker	NOUN
hassl-3090	54	25	and	and	CCONJ
hassl-3090	54	26	clients	client	NOUN
hassl-3090	54	27	that	that	SCONJ
hassl-3090	54	28	how	how	SCONJ
hassl-3090	54	29	the	the	DET
hassl-3090	54	30	adoption	adoption	NOUN
hassl-3090	54	31	,	,	PUNCT
hassl-3090	54	32	the	the	DET
hassl-3090	54	33	implementation	implementation	NOUN
hassl-3090	54	34	and	and	CCONJ
hassl-3090	54	35	the	the	DET
hassl-3090	54	36	use	use	NOUN
hassl-3090	54	37	of	of	ADP
hassl-3090	54	38	ai	ai	PRON
hassl-3090	54	39	based	base	VERB
hassl-3090	54	40	systems	system	NOUN
hassl-3090	54	41	generate	generate	VERB
hassl-3090	54	42	benefits	benefit	NOUN
hassl-3090	54	43	at	at	ADP
hassl-3090	54	44	both	both	DET
hassl-3090	54	45	ends	end	NOUN
hassl-3090	54	46	.	.	PUNCT
hassl-3090	55	1	2	2	X
hassl-3090	55	2	.	.	X
hassl-3090	55	3	literature	literature	NOUN
hassl-3090	55	4	review	review	PROPN
hassl-3090	55	5	as	as	ADP
hassl-3090	55	6	the	the	DET
hassl-3090	55	7	popularity	popularity	NOUN
hassl-3090	55	8	and	and	CCONJ
hassl-3090	55	9	interest	interest	NOUN
hassl-3090	55	10	in	in	ADP
hassl-3090	55	11	the	the	DET
hassl-3090	55	12	fintech	fintech	NOUN
hassl-3090	55	13	phenomena	phenomena	NOUN
hassl-3090	55	14	continues	continue	VERB
hassl-3090	55	15	to	to	PART
hassl-3090	55	16	gain	gain	VERB
hassl-3090	55	17	acceptance	acceptance	NOUN
hassl-3090	55	18	and	and	CCONJ
hassl-3090	55	19	interest	interest	NOUN
hassl-3090	55	20	among	among	ADP
hassl-3090	55	21	practitioners	practitioner	NOUN
hassl-3090	55	22	and	and	CCONJ
hassl-3090	55	23	researchers	researcher	NOUN
hassl-3090	55	24	,	,	PUNCT
hassl-3090	55	25	many	many	ADJ
hassl-3090	55	26	research	research	NOUN
hassl-3090	55	27	efforts	effort	NOUN
hassl-3090	55	28	have	have	AUX
hassl-3090	55	29	been	be	AUX
hassl-3090	55	30	put	put	VERB
hassl-3090	55	31	through	through	ADP
hassl-3090	55	32	to	to	PART
hassl-3090	55	33	explain	explain	VERB
hassl-3090	55	34	such	such	ADJ
hassl-3090	55	35	phenomena	phenomenon	NOUN
hassl-3090	55	36	and	and	CCONJ
hassl-3090	55	37	recommend	recommend	VERB
hassl-3090	55	38	various	various	ADJ
hassl-3090	55	39	approaches	approach	NOUN
hassl-3090	55	40	for	for	ADP
hassl-3090	55	41	their	their	PRON
hassl-3090	55	42	successful	successful	ADJ
hassl-3090	55	43	implementation	implementation	NOUN
hassl-3090	55	44	.	.	PUNCT
hassl-3090	56	1	for	for	ADP
hassl-3090	56	2	instance	instance	NOUN
hassl-3090	56	3	,	,	PUNCT
hassl-3090	56	4	authors	author	NOUN
hassl-3090	56	5	including	include	VERB
hassl-3090	56	6	(	(	PUNCT
hassl-3090	56	7	zavolokina	zavolokina	PROPN
hassl-3090	56	8	et	et	PROPN
hassl-3090	56	9	al	al	PROPN
hassl-3090	56	10	.	.	PROPN
hassl-3090	56	11	,	,	PUNCT
hassl-3090	56	12	2016	2016	NUM
hassl-3090	56	13	)	)	PUNCT
hassl-3090	56	14	recommended	recommend	VERB
hassl-3090	56	15	a	a	DET
hassl-3090	56	16	theoretical	theoretical	ADJ
hassl-3090	56	17	framework	framework	NOUN
hassl-3090	56	18	that	that	PRON
hassl-3090	56	19	is	be	AUX
hassl-3090	56	20	based	base	VERB
hassl-3090	56	21	on	on	ADP
hassl-3090	56	22	three	three	NUM
hassl-3090	56	23	scopes	scope	NOUN
hassl-3090	56	24	including	include	VERB
hassl-3090	56	25	input	input	NOUN
hassl-3090	56	26	,	,	PUNCT
hassl-3090	56	27	mechanisms	mechanism	NOUN
hassl-3090	56	28	,	,	PUNCT
hassl-3090	56	29	and	and	CCONJ
hassl-3090	56	30	output	output	NOUN
hassl-3090	56	31	,	,	PUNCT
hassl-3090	56	32	which	which	PRON
hassl-3090	56	33	collectively	collectively	ADV
hassl-3090	56	34	utilize	utilize	VERB
hassl-3090	56	35	technology	technology	NOUN
hassl-3090	56	36	as	as	ADP
hassl-3090	56	37	an	an	DET
hassl-3090	56	38	enabler	enabler	NOUN
hassl-3090	56	39	of	of	ADP
hassl-3090	56	40	new	new	ADJ
hassl-3090	56	41	innovative	innovative	ADJ
hassl-3090	56	42	financial	financial	ADJ
hassl-3090	56	43	services	service	NOUN
hassl-3090	56	44	and	and	CCONJ
hassl-3090	56	45	products	product	NOUN
hassl-3090	56	46	.	.	PUNCT
hassl-3090	57	1	to	to	ADP
hassl-3090	57	2	that	that	DET
hassl-3090	57	3	end	end	NOUN
hassl-3090	57	4	,	,	PUNCT
hassl-3090	57	5	frame	frame	NOUN
hassl-3090	57	6	and	and	CCONJ
hassl-3090	57	7	white	white	ADJ
hassl-3090	57	8	(	(	PUNCT
hassl-3090	57	9	2014	2014	NUM
hassl-3090	57	10	)	)	PUNCT
hassl-3090	57	11	confirmed	confirm	VERB
hassl-3090	57	12	that	that	SCONJ
hassl-3090	57	13	using	use	VERB
hassl-3090	57	14	technology	technology	NOUN
hassl-3090	57	15	as	as	ADP
hassl-3090	57	16	a	a	DET
hassl-3090	57	17	digital	digital	ADJ
hassl-3090	57	18	innovator	innovator	NOUN
hassl-3090	57	19	is	be	AUX
hassl-3090	57	20	indeed	indeed	ADV
hassl-3090	57	21	an	an	DET
hassl-3090	57	22	enabler	enabler	NOUN
hassl-3090	57	23	of	of	ADP
hassl-3090	57	24	financial	financial	ADJ
hassl-3090	57	25	innovation	innovation	NOUN
hassl-3090	57	26	in	in	ADP
hassl-3090	57	27	the	the	DET
hassl-3090	57	28	forms	form	NOUN
hassl-3090	57	29	of	of	ADP
hassl-3090	57	30	novel	novel	ADJ
hassl-3090	57	31	services	service	NOUN
hassl-3090	57	32	and	and	CCONJ
hassl-3090	57	33	products	product	NOUN
hassl-3090	57	34	and	and	CCONJ
hassl-3090	57	35	novel	novel	ADJ
hassl-3090	57	36	organizational	organizational	ADJ
hassl-3090	57	37	procedures	procedure	NOUN
hassl-3090	57	38	and	and	CCONJ
hassl-3090	57	39	processes	process	NOUN
hassl-3090	57	40	.	.	PUNCT
hassl-3090	58	1	a	a	DET
hassl-3090	58	2	study	study	NOUN
hassl-3090	58	3	by	by	ADP
hassl-3090	58	4	ali	ali	PROPN
hassl-3090	58	5	,	,	PUNCT
hassl-3090	58	6	ismail	ismail	PROPN
hassl-3090	58	7	,	,	PUNCT
hassl-3090	58	8	and	and	CCONJ
hassl-3090	58	9	swiety	swiety	NOUN
hassl-3090	58	10	(	(	PUNCT
hassl-3090	58	11	2021	2021	NUM
hassl-3090	58	12	)	)	PUNCT
hassl-3090	58	13	argued	argue	VERB
hassl-3090	58	14	that	that	SCONJ
hassl-3090	58	15	the	the	DET
hassl-3090	58	16	digital	digital	ADJ
hassl-3090	58	17	trading	trading	NOUN
hassl-3090	58	18	system	system	NOUN
hassl-3090	58	19	as	as	ADP
hassl-3090	58	20	a	a	DET
hassl-3090	58	21	product	product	NOUN
hassl-3090	58	22	of	of	ADP
hassl-3090	58	23	technological	technological	ADJ
hassl-3090	58	24	advancements	advancement	NOUN
hassl-3090	58	25	played	play	VERB
hassl-3090	58	26	a	a	DET
hassl-3090	58	27	vital	vital	ADJ
hassl-3090	58	28	role	role	NOUN
hassl-3090	58	29	to	to	PART
hassl-3090	58	30	improve	improve	VERB
hassl-3090	58	31	the	the	DET
hassl-3090	58	32	stability	stability	NOUN
hassl-3090	58	33	of	of	ADP
hassl-3090	58	34	small	small	ADJ
hassl-3090	58	35	and	and	CCONJ
hassl-3090	58	36	medium	medium	ADJ
hassl-3090	58	37	enterprises	enterprise	NOUN
hassl-3090	58	38	,	,	PUNCT
hassl-3090	58	39	which	which	PRON
hassl-3090	58	40	are	be	AUX
hassl-3090	58	41	listed	list	VERB
hassl-3090	58	42	on	on	ADP
hassl-3090	58	43	the	the	DET
hassl-3090	58	44	amman	amman	PROPN
hassl-3090	58	45	stock	stock	PROPN
hassl-3090	58	46	exchange	exchange	NOUN
hassl-3090	58	47	by	by	ADP
hassl-3090	58	48	reducing	reduce	VERB
hassl-3090	58	49	the	the	DET
hassl-3090	58	50	trading	trading	NOUN
hassl-3090	58	51	costs	cost	NOUN
hassl-3090	58	52	as	as	ADV
hassl-3090	58	53	well	well	ADV
hassl-3090	58	54	as	as	ADP
hassl-3090	58	55	facilitating	facilitate	VERB
hassl-3090	58	56	trading	trading	NOUN
hassl-3090	58	57	processes	process	NOUN
hassl-3090	58	58	for	for	ADP
hassl-3090	58	59	investors	investor	NOUN
hassl-3090	58	60	.	.	PUNCT
hassl-3090	59	1	according	accord	VERB
hassl-3090	59	2	to	to	ADP
hassl-3090	59	3	lerner	lerner	PROPN
hassl-3090	59	4	and	and	CCONJ
hassl-3090	59	5	tufano	tufano	PROPN
hassl-3090	59	6	(	(	PUNCT
hassl-3090	59	7	2011	2011	NUM
hassl-3090	59	8	)	)	PUNCT
hassl-3090	59	9	innovative	innovative	ADJ
hassl-3090	59	10	financial	financial	ADJ
hassl-3090	59	11	services	service	NOUN
hassl-3090	59	12	and	and	CCONJ
hassl-3090	59	13	products	product	NOUN
hassl-3090	59	14	produce	produce	VERB
hassl-3090	59	15	and	and	CCONJ
hassl-3090	59	16	promote	promote	VERB
hassl-3090	59	17	new	new	ADJ
hassl-3090	59	18	financial	financial	ADJ
hassl-3090	59	19	spectrum	spectrum	NOUN
hassl-3090	59	20	of	of	ADP
hassl-3090	59	21	know	know	NOUN
hassl-3090	59	22	-	-	PUNCT
hassl-3090	59	23	hows	how	NOUN
hassl-3090	59	24	,	,	PUNCT
hassl-3090	59	25	new	new	ADJ
hassl-3090	59	26	organizations	organization	NOUN
hassl-3090	59	27	,	,	PUNCT
hassl-3090	59	28	and	and	CCONJ
hassl-3090	59	29	new	new	ADJ
hassl-3090	59	30	market	market	NOUN
hassl-3090	59	31	places	place	NOUN
hassl-3090	59	32	.	.	PUNCT
hassl-3090	60	1	such	such	ADJ
hassl-3090	60	2	digital	digital	ADJ
hassl-3090	60	3	innovation	innovation	NOUN
hassl-3090	60	4	,	,	PUNCT
hassl-3090	60	5	according	accord	VERB
hassl-3090	60	6	to	to	ADP
hassl-3090	60	7	fichman	fichman	PROPN
hassl-3090	60	8	et	et	PROPN
hassl-3090	60	9	al	al	PROPN
hassl-3090	60	10	.	.	PROPN
hassl-3090	61	1	(	(	PUNCT
hassl-3090	61	2	2014	2014	NUM
hassl-3090	61	3	)	)	PUNCT
hassl-3090	61	4	can	can	AUX
hassl-3090	61	5	be	be	AUX
hassl-3090	61	6	manifested	manifest	VERB
hassl-3090	61	7	in	in	ADP
hassl-3090	61	8	the	the	DET
hassl-3090	61	9	form	form	NOUN
hassl-3090	61	10	of	of	ADP
hassl-3090	61	11	a	a	DET
hassl-3090	61	12	new	new	ADJ
hassl-3090	61	13	service	service	NOUN
hassl-3090	61	14	,	,	PUNCT
hassl-3090	61	15	product	product	NOUN
hassl-3090	61	16	,	,	PUNCT
hassl-3090	61	17	procedure	procedure	NOUN
hassl-3090	61	18	,	,	PUNCT
hassl-3090	61	19	or	or	CCONJ
hassl-3090	61	20	business	business	NOUN
hassl-3090	61	21	platform	platform	NOUN
hassl-3090	61	22	which	which	PRON
hassl-3090	61	23	necessitates	necessitate	VERB
hassl-3090	61	24	major	major	ADJ
hassl-3090	61	25	modifications	modification	NOUN
hassl-3090	61	26	by	by	ADP
hassl-3090	61	27	the	the	DET
hassl-3090	61	28	business	business	NOUN
hassl-3090	61	29	,	,	PUNCT
hassl-3090	61	30	and	and	CCONJ
hassl-3090	61	31	is	be	AUX
hassl-3090	61	32	facilitated	facilitate	VERB
hassl-3090	61	33	and	and	CCONJ
hassl-3090	61	34	made	make	VERB
hassl-3090	61	35	possible	possible	ADJ
hassl-3090	61	36	by	by	ADP
hassl-3090	61	37	information	information	NOUN
hassl-3090	61	38	technology	technology	NOUN
hassl-3090	61	39	(	(	PUNCT
hassl-3090	61	40	it	it	PRON
hassl-3090	61	41	)	)	PUNCT
hassl-3090	61	42	.	.	PUNCT
hassl-3090	62	1	according	accord	VERB
hassl-3090	62	2	to	to	ADP
hassl-3090	62	3	casares	casare	NOUN
hassl-3090	62	4	(	(	PUNCT
hassl-3090	62	5	2018	2018	NUM
hassl-3090	62	6	)	)	PUNCT
hassl-3090	62	7	,	,	PUNCT
hassl-3090	62	8	ai	ai	VERB
hassl-3090	62	9	is	be	AUX
hassl-3090	62	10	being	be	AUX
hassl-3090	62	11	utilized	utilize	VERB
hassl-3090	62	12	in	in	ADP
hassl-3090	62	13	numerous	numerous	ADJ
hassl-3090	62	14	applications	application	NOUN
hassl-3090	62	15	in	in	ADP
hassl-3090	62	16	many	many	ADJ
hassl-3090	62	17	different	different	ADJ
hassl-3090	62	18	sectors	sector	NOUN
hassl-3090	62	19	.	.	PUNCT
hassl-3090	63	1	chui	chui	PROPN
hassl-3090	63	2	and	and	CCONJ
hassl-3090	63	3	malhotra	malhotra	PROPN
hassl-3090	63	4	(	(	PUNCT
hassl-3090	63	5	2018	2018	NUM
hassl-3090	63	6	)	)	PUNCT
hassl-3090	63	7	observe	observe	VERB
hassl-3090	63	8	that	that	SCONJ
hassl-3090	63	9	the	the	DET
hassl-3090	63	10	utmost	utmost	ADJ
hassl-3090	63	11	noteworthy	noteworthy	ADJ
hassl-3090	63	12	ai	ai	VERB
hassl-3090	63	13	capabilities	capability	NOUN
hassl-3090	63	14	are	be	AUX
hassl-3090	63	15	virtual	virtual	ADJ
hassl-3090	63	16	agents	agent	NOUN
hassl-3090	63	17	,	,	PUNCT
hassl-3090	63	18	natural	natural	ADJ
hassl-3090	63	19	language	language	NOUN
hassl-3090	63	20	text	text	NOUN
hassl-3090	63	21	understanding	understanding	NOUN
hassl-3090	63	22	,	,	PUNCT
hassl-3090	63	23	and	and	CCONJ
hassl-3090	63	24	machine	machine	NOUN
hassl-3090	63	25	learning	learning	NOUN
hassl-3090	63	26	.	.	PUNCT
hassl-3090	64	1	in	in	ADP
hassl-3090	64	2	general	general	ADJ
hassl-3090	64	3	,	,	PUNCT
hassl-3090	64	4	ai	ai	INTJ
hassl-3090	64	5	is	be	AUX
hassl-3090	64	6	not	not	PART
hassl-3090	64	7	utilized	utilize	VERB
hassl-3090	64	8	in	in	ADP
hassl-3090	64	9	segregation	segregation	NOUN
hassl-3090	64	10	but	but	CCONJ
hassl-3090	64	11	frequently	frequently	ADV
hassl-3090	64	12	applied	apply	VERB
hassl-3090	64	13	in	in	ADP
hassl-3090	64	14	aggregation	aggregation	NOUN
hassl-3090	64	15	with	with	ADP
hassl-3090	64	16	other	other	ADJ
hassl-3090	64	17	technologies	technology	NOUN
hassl-3090	64	18	(	(	PUNCT
hassl-3090	64	19	brock	brock	PROPN
hassl-3090	64	20	&	&	CCONJ
hassl-3090	64	21	von	von	PROPN
hassl-3090	64	22	wangenheim	wangenheim	PROPN
hassl-3090	64	23	,	,	PUNCT
hassl-3090	64	24	2019	2019	NUM
hassl-3090	64	25	)	)	PUNCT
hassl-3090	64	26	.	.	PUNCT
hassl-3090	65	1	such	such	ADJ
hassl-3090	65	2	technologies	technology	NOUN
hassl-3090	65	3	include	include	VERB
hassl-3090	65	4	application	application	NOUN
hassl-3090	65	5	programming	programming	NOUN
hassl-3090	65	6	interfaces	interface	NOUN
hassl-3090	65	7	(	(	PUNCT
hassl-3090	65	8	apis	apis	ADJ
hassl-3090	65	9	)	)	PUNCT
hassl-3090	65	10	,	,	PUNCT
hassl-3090	65	11	internet	internet	NOUN
hassl-3090	65	12	of	of	ADP
hassl-3090	65	13	things	thing	NOUN
hassl-3090	65	14	,	,	PUNCT
hassl-3090	65	15	cloud	cloud	NOUN
hassl-3090	65	16	computing	computing	NOUN
hassl-3090	65	17	,	,	PUNCT
hassl-3090	65	18	big	big	ADJ
hassl-3090	65	19	data	datum	NOUN
hassl-3090	65	20	analytics	analytic	NOUN
hassl-3090	65	21	,	,	PUNCT
hassl-3090	65	22	and	and	CCONJ
hassl-3090	65	23	open	open	ADJ
hassl-3090	65	24	-	-	PUNCT
hassl-3090	65	25	source	source	NOUN
hassl-3090	65	26	algorithms	algorithm	NOUN
hassl-3090	65	27	(	(	PUNCT
hassl-3090	65	28	verweij	verweij	NOUN
hassl-3090	65	29	,	,	PUNCT
hassl-3090	65	30	2016	2016	NUM
hassl-3090	65	31	)	)	PUNCT
hassl-3090	65	32	.	.	PUNCT
hassl-3090	66	1	since	since	SCONJ
hassl-3090	66	2	ai	ai	INTJ
hassl-3090	66	3	improves	improve	VERB
hassl-3090	66	4	human	human	ADJ
hassl-3090	66	5	intelligence	intelligence	NOUN
hassl-3090	66	6	rather	rather	ADV
hassl-3090	66	7	than	than	ADP
hassl-3090	66	8	being	be	AUX
hassl-3090	66	9	an	an	DET
hassl-3090	66	10	alternative	alternative	NOUN
hassl-3090	66	11	for	for	ADP
hassl-3090	66	12	it	it	PRON
hassl-3090	66	13	bibel	bibel	PROPN
hassl-3090	66	14	(	(	PUNCT
hassl-3090	66	15	2014	2014	NUM
hassl-3090	66	16	)	)	PUNCT
hassl-3090	66	17	,	,	PUNCT
hassl-3090	66	18	it	it	PRON
hassl-3090	66	19	is	be	AUX
hassl-3090	66	20	acknowledged	acknowledge	VERB
hassl-3090	66	21	that	that	SCONJ
hassl-3090	66	22	ai	ai	VERB
hassl-3090	66	23	requires	require	VERB
hassl-3090	66	24	the	the	DET
hassl-3090	66	25	interactions	interaction	NOUN
hassl-3090	66	26	with	with	ADP
hassl-3090	66	27	humans	human	NOUN
hassl-3090	66	28	to	to	PART
hassl-3090	66	29	be	be	AUX
hassl-3090	66	30	conducted	conduct	VERB
hassl-3090	66	31	and	and	CCONJ
hassl-3090	66	32	enable	enable	VERB
hassl-3090	66	33	decisionmaking	decisionmake	VERB
hassl-3090	66	34	process	process	NOUN
hassl-3090	66	35	to	to	PART
hassl-3090	66	36	yield	yield	VERB
hassl-3090	66	37	the	the	DET
hassl-3090	66	38	best	good	ADJ
hassl-3090	66	39	outcomes	outcome	NOUN
hassl-3090	66	40	(	(	PUNCT
hassl-3090	66	41	dhar	dhar	PROPN
hassl-3090	66	42	,	,	PUNCT
hassl-3090	66	43	holly	holly	NOUN
hassl-3090	66	44	,	,	PUNCT
hassl-3090	66	45	ryan	ryan	PROPN
hassl-3090	66	46	,	,	PUNCT
hassl-3090	66	47	&	&	CCONJ
hassl-3090	66	48	galeaz	galeaz	PROPN
hassl-3090	66	49	,	,	PUNCT
hassl-3090	66	50	2017	2017	NUM
hassl-3090	66	51	)	)	PUNCT
hassl-3090	66	52	.	.	PUNCT
hassl-3090	67	1	like	like	ADP
hassl-3090	67	2	all	all	DET
hassl-3090	67	3	other	other	ADJ
hassl-3090	67	4	sectors	sector	NOUN
hassl-3090	67	5	,	,	PUNCT
hassl-3090	67	6	financial	financial	ADJ
hassl-3090	67	7	institutions	institution	NOUN
hassl-3090	67	8	implement	implement	VERB
hassl-3090	67	9	ai	ai	VERB
hassl-3090	67	10	technology	technology	NOUN
hassl-3090	67	11	in	in	ADP
hassl-3090	67	12	different	different	ADJ
hassl-3090	67	13	ways	way	NOUN
hassl-3090	67	14	like	like	ADP
hassl-3090	67	15	identification	identification	NOUN
hassl-3090	67	16	of	of	ADP
hassl-3090	67	17	unusual	unusual	ADJ
hassl-3090	67	18	transactions	transaction	NOUN
hassl-3090	67	19	and	and	CCONJ
hassl-3090	67	20	frauds	fraud	NOUN
hassl-3090	67	21	,	,	PUNCT
hassl-3090	67	22	customized	customized	ADJ
hassl-3090	67	23	services	service	NOUN
hassl-3090	67	24	,	,	PUNCT
hassl-3090	67	25	decision	decision	NOUN
hassl-3090	67	26	making	making	NOUN
hassl-3090	67	27	about	about	ADP
hassl-3090	67	28	creditworthiness	creditworthiness	NOUN
hassl-3090	67	29	,	,	PUNCT
hassl-3090	67	30	utilization	utilization	NOUN
hassl-3090	67	31	of	of	ADP
hassl-3090	67	32	natural	natural	ADJ
hassl-3090	67	33	language	language	NOUN
hassl-3090	67	34	processing	processing	NOUN
hassl-3090	67	35	on	on	ADP
hassl-3090	67	36	text	text	NOUN
hassl-3090	67	37	documents	document	NOUN
hassl-3090	67	38	,	,	PUNCT
hassl-3090	67	39	risk	risk	NOUN
hassl-3090	67	40	management	management	NOUN
hassl-3090	67	41	and	and	CCONJ
hassl-3090	67	42	cyber	cyber	ADJ
hassl-3090	67	43	security	security	NOUN
hassl-3090	67	44	.	.	PUNCT
hassl-3090	68	1	the	the	DET
hassl-3090	68	2	implementation	implementation	NOUN
hassl-3090	68	3	of	of	ADP
hassl-3090	68	4	ai	ai	VERB
hassl-3090	68	5	enables	enable	VERB
hassl-3090	68	6	financial	financial	ADJ
hassl-3090	68	7	institutions	institution	NOUN
hassl-3090	68	8	and	and	CCONJ
hassl-3090	68	9	especially	especially	ADV
hassl-3090	68	10	banking	banking	NOUN
hassl-3090	68	11	sector	sector	NOUN
hassl-3090	68	12	to	to	PART
hassl-3090	68	13	improve	improve	VERB
hassl-3090	68	14	their	their	PRON
hassl-3090	68	15	interaction	interaction	NOUN
hassl-3090	68	16	with	with	ADP
hassl-3090	68	17	customers	customer	NOUN
hassl-3090	68	18	by	by	ADP
hassl-3090	68	19	tailoring	tailor	VERB
hassl-3090	68	20	modern	modern	ADJ
hassl-3090	68	21	technology	technology	NOUN
hassl-3090	68	22	to	to	ADP
hassl-3090	68	23	different	different	ADJ
hassl-3090	68	24	aspects	aspect	NOUN
hassl-3090	68	25	of	of	ADP
hassl-3090	68	26	operations	operation	NOUN
hassl-3090	68	27	(	(	PUNCT
hassl-3090	68	28	abusalma	abusalma	VERB
hassl-3090	68	29	,	,	PUNCT
hassl-3090	68	30	2021	2021	NUM
hassl-3090	68	31	)	)	PUNCT
hassl-3090	68	32	.	.	PUNCT
hassl-3090	69	1	some	some	DET
hassl-3090	69	2	benefits	benefit	NOUN
hassl-3090	69	3	of	of	ADP
hassl-3090	69	4	implementing	implement	VERB
hassl-3090	69	5	ai	ai	VERB
hassl-3090	69	6	in	in	ADP
hassl-3090	69	7	banking	banking	NOUN
hassl-3090	69	8	sector	sector	NOUN
hassl-3090	69	9	are	be	AUX
hassl-3090	69	10	elaborated	elaborate	VERB
hassl-3090	69	11	in	in	ADP
hassl-3090	69	12	the	the	DET
hassl-3090	69	13	following	follow	VERB
hassl-3090	69	14	subsections	subsection	NOUN
hassl-3090	69	15	.	.	PUNCT
hassl-3090	70	1	2.1	2.1	NUM
hassl-3090	70	2	.	.	PUNCT
hassl-3090	71	1	mobile	mobile	ADJ
hassl-3090	71	2	banking	banking	PROPN
hassl-3090	71	3	mobile	mobile	ADJ
hassl-3090	71	4	banking	banking	NOUN
hassl-3090	71	5	facilitates	facilitate	VERB
hassl-3090	71	6	the	the	DET
hassl-3090	71	7	services	service	NOUN
hassl-3090	71	8	of	of	ADP
hassl-3090	71	9	banks	bank	NOUN
hassl-3090	71	10	for	for	ADP
hassl-3090	71	11	customers	customer	NOUN
hassl-3090	71	12	as	as	SCONJ
hassl-3090	71	13	compare	compare	VERB
hassl-3090	71	14	to	to	ADP
hassl-3090	71	15	their	their	PRON
hassl-3090	71	16	physical	physical	ADJ
hassl-3090	71	17	visits	visit	NOUN
hassl-3090	71	18	to	to	ADP
hassl-3090	71	19	branches	branch	NOUN
hassl-3090	71	20	;	;	PUNCT
hassl-3090	71	21	so	so	SCONJ
hassl-3090	71	22	it	it	PRON
hassl-3090	71	23	results	result	VERB
hassl-3090	71	24	in	in	ADP
hassl-3090	71	25	increasing	increase	VERB
hassl-3090	71	26	banks	bank	NOUN
hassl-3090	71	27	’	'	PUNCT
hassl-3090	71	28	revenues	revenue	NOUN
hassl-3090	71	29	.	.	PUNCT
hassl-3090	72	1	that	that	PRON
hassl-3090	72	2	’s	’	VERB
hassl-3090	72	3	why	why	SCONJ
hassl-3090	72	4	banking	banking	NOUN
hassl-3090	72	5	sector	sector	NOUN
hassl-3090	72	6	is	be	AUX
hassl-3090	72	7	paying	pay	VERB
hassl-3090	72	8	close	close	ADJ
hassl-3090	72	9	attention	attention	NOUN
hassl-3090	72	10	to	to	ADP
hassl-3090	72	11	the	the	DET
hassl-3090	72	12	adaptation	adaptation	NOUN
hassl-3090	72	13	and	and	CCONJ
hassl-3090	72	14	implementation	implementation	NOUN
hassl-3090	72	15	of	of	ADP
hassl-3090	72	16	emerging	emerge	VERB
hassl-3090	72	17	technologies	technology	NOUN
hassl-3090	72	18	in	in	ADP
hassl-3090	72	19	an	an	DET
hassl-3090	72	20	attempt	attempt	NOUN
hassl-3090	72	21	to	to	PART
hassl-3090	72	22	improve	improve	VERB
hassl-3090	72	23	the	the	DET
hassl-3090	72	24	quality	quality	NOUN
hassl-3090	72	25	of	of	ADP
hassl-3090	72	26	services	service	NOUN
hassl-3090	72	27	and	and	CCONJ
hassl-3090	72	28	to	to	PART
hassl-3090	72	29	be	be	AUX
hassl-3090	72	30	competitive	competitive	ADJ
hassl-3090	72	31	in	in	ADP
hassl-3090	72	32	the	the	DET
hassl-3090	72	33	market	market	NOUN
hassl-3090	72	34	(	(	PUNCT
hassl-3090	72	35	cavus	cavus	PROPN
hassl-3090	72	36	,	,	PUNCT
hassl-3090	72	37	mohammed	mohammed	PROPN
hassl-3090	72	38	,	,	PUNCT
hassl-3090	72	39	&	&	CCONJ
hassl-3090	72	40	yakubu	yakubu	PROPN
hassl-3090	72	41	,	,	PUNCT
hassl-3090	72	42	2021	2021	NUM
hassl-3090	72	43	)	)	PUNCT
hassl-3090	72	44	.	.	PUNCT
hassl-3090	73	1	humanities	humanity	NOUN
hassl-3090	73	2	and	and	CCONJ
hassl-3090	73	3	social	social	ADJ
hassl-3090	73	4	sciences	science	NOUN
hassl-3090	73	5	letters	letter	NOUN
hassl-3090	73	6	,	,	PUNCT
hassl-3090	73	7	2022	2022	NUM
hassl-3090	73	8	,	,	PUNCT
hassl-3090	73	9	10(3	10(3	NUM
hassl-3090	73	10	):	):	PUNCT
hassl-3090	73	11	383	383	NUM
hassl-3090	73	12	-	-	SYM
hassl-3090	73	13	393	393	NUM
hassl-3090	73	14	386	386	NUM
hassl-3090	73	15	©	©	PROPN
hassl-3090	73	16	2022	2022	NUM
hassl-3090	73	17	conscientia	conscientia	PROPN
hassl-3090	73	18	beam	beam	PROPN
hassl-3090	73	19	.	.	PUNCT
hassl-3090	74	1	all	all	DET
hassl-3090	74	2	rights	right	NOUN
hassl-3090	74	3	reserved	reserve	VERB
hassl-3090	74	4	.	.	PUNCT
hassl-3090	75	1	2.2	2.2	NUM
hassl-3090	75	2	.	.	PUNCT
hassl-3090	75	3	data	datum	NOUN
hassl-3090	75	4	collection	collection	NOUN
hassl-3090	75	5	and	and	CCONJ
hassl-3090	75	6	analysis	analysis	NOUN
hassl-3090	75	7	millions	million	NOUN
hassl-3090	75	8	of	of	ADP
hassl-3090	75	9	transactions	transaction	NOUN
hassl-3090	75	10	are	be	AUX
hassl-3090	75	11	recorded	record	VERB
hassl-3090	75	12	by	by	ADP
hassl-3090	75	13	banking	banking	NOUN
hassl-3090	75	14	sector	sector	NOUN
hassl-3090	75	15	every	every	DET
hassl-3090	75	16	day	day	NOUN
hassl-3090	75	17	so	so	SCONJ
hassl-3090	75	18	the	the	DET
hassl-3090	75	19	collection	collection	NOUN
hassl-3090	75	20	and	and	CCONJ
hassl-3090	75	21	registration	registration	NOUN
hassl-3090	75	22	of	of	ADP
hassl-3090	75	23	huge	huge	ADJ
hassl-3090	75	24	volume	volume	NOUN
hassl-3090	75	25	of	of	ADP
hassl-3090	75	26	information	information	NOUN
hassl-3090	75	27	becomes	become	VERB
hassl-3090	75	28	an	an	DET
hassl-3090	75	29	overwhelming	overwhelming	ADJ
hassl-3090	75	30	task	task	NOUN
hassl-3090	75	31	for	for	ADP
hassl-3090	75	32	employees	employee	NOUN
hassl-3090	75	33	,	,	PUNCT
hassl-3090	75	34	hence	hence	ADV
hassl-3090	75	35	creating	create	VERB
hassl-3090	75	36	vagueness	vagueness	NOUN
hassl-3090	75	37	about	about	ADP
hassl-3090	75	38	the	the	DET
hassl-3090	75	39	relationship	relationship	NOUN
hassl-3090	75	40	of	of	ADP
hassl-3090	75	41	collected	collect	VERB
hassl-3090	75	42	data	datum	NOUN
hassl-3090	75	43	of	of	ADP
hassl-3090	75	44	thousands	thousand	NOUN
hassl-3090	75	45	of	of	ADP
hassl-3090	75	46	clients	client	NOUN
hassl-3090	75	47	(	(	PUNCT
hassl-3090	75	48	yu	yu	PROPN
hassl-3090	75	49	&	&	CCONJ
hassl-3090	75	50	song	song	PROPN
hassl-3090	75	51	,	,	PUNCT
hassl-3090	75	52	2020	2020	NUM
hassl-3090	75	53	)	)	PUNCT
hassl-3090	75	54	.	.	PUNCT
hassl-3090	76	1	such	such	ADJ
hassl-3090	76	2	data	datum	NOUN
hassl-3090	76	3	is	be	AUX
hassl-3090	76	4	collected	collect	VERB
hassl-3090	76	5	and	and	CCONJ
hassl-3090	76	6	analyzed	analyze	VERB
hassl-3090	76	7	by	by	ADP
hassl-3090	76	8	ai	ai	PROPN
hassl-3090	76	9	based	base	VERB
hassl-3090	76	10	apps	app	NOUN
hassl-3090	76	11	smoothly	smoothly	ADV
hassl-3090	76	12	in	in	ADP
hassl-3090	76	13	order	order	NOUN
hassl-3090	76	14	to	to	PART
hassl-3090	76	15	improve	improve	VERB
hassl-3090	76	16	the	the	DET
hassl-3090	76	17	user	user	NOUN
hassl-3090	76	18	’s	’s	PART
hassl-3090	76	19	experience	experience	NOUN
hassl-3090	76	20	.	.	PUNCT
hassl-3090	77	1	the	the	DET
hassl-3090	77	2	collected	collect	VERB
hassl-3090	77	3	information	information	NOUN
hassl-3090	77	4	is	be	AUX
hassl-3090	77	5	used	use	VERB
hassl-3090	77	6	in	in	ADP
hassl-3090	77	7	different	different	ADJ
hassl-3090	77	8	operations	operation	NOUN
hassl-3090	77	9	like	like	ADP
hassl-3090	77	10	detecting	detect	VERB
hassl-3090	77	11	fraud	fraud	NOUN
hassl-3090	77	12	and	and	CCONJ
hassl-3090	77	13	granting	grant	VERB
hassl-3090	77	14	loans	loan	NOUN
hassl-3090	77	15	,	,	PUNCT
hassl-3090	77	16	which	which	PRON
hassl-3090	77	17	results	result	VERB
hassl-3090	77	18	in	in	ADP
hassl-3090	77	19	enhancing	enhance	VERB
hassl-3090	77	20	revenues	revenue	NOUN
hassl-3090	77	21	,	,	PUNCT
hassl-3090	77	22	while	while	SCONJ
hassl-3090	77	23	reducing	reduce	VERB
hassl-3090	77	24	the	the	DET
hassl-3090	77	25	associated	associated	ADJ
hassl-3090	77	26	costs	cost	NOUN
hassl-3090	77	27	(	(	PUNCT
hassl-3090	77	28	kaur	kaur	PROPN
hassl-3090	77	29	,	,	PUNCT
hassl-3090	77	30	sahdev	sahdev	PROPN
hassl-3090	77	31	,	,	PUNCT
hassl-3090	77	32	sharma	sharma	PROPN
hassl-3090	77	33	,	,	PUNCT
hassl-3090	77	34	&	&	CCONJ
hassl-3090	77	35	siddiqui	siddiqui	PROPN
hassl-3090	77	36	,	,	PUNCT
hassl-3090	77	37	2020	2020	NUM
hassl-3090	77	38	)	)	PUNCT
hassl-3090	77	39	.	.	PUNCT
hassl-3090	78	1	2.3	2.3	NUM
hassl-3090	78	2	.	.	PUNCT
hassl-3090	79	1	chat	chat	VERB
hassl-3090	79	2	bots	bot	NOUN
hassl-3090	79	3	ai	ai	AUX
hassl-3090	79	4	based	base	VERB
hassl-3090	79	5	chat	chat	NOUN
hassl-3090	79	6	bots	bot	NOUN
hassl-3090	79	7	are	be	AUX
hassl-3090	79	8	among	among	ADP
hassl-3090	79	9	the	the	DET
hassl-3090	79	10	most	most	ADV
hassl-3090	79	11	popular	popular	ADJ
hassl-3090	79	12	cases	case	NOUN
hassl-3090	79	13	of	of	ADP
hassl-3090	79	14	implementing	implement	VERB
hassl-3090	79	15	ai	ai	VERB
hassl-3090	79	16	in	in	ADP
hassl-3090	79	17	banking	banking	NOUN
hassl-3090	79	18	sector	sector	NOUN
hassl-3090	79	19	that	that	PRON
hassl-3090	79	20	enable	enable	VERB
hassl-3090	79	21	conversational	conversational	ADJ
hassl-3090	79	22	interface	interface	NOUN
hassl-3090	79	23	between	between	ADP
hassl-3090	79	24	customers	customer	NOUN
hassl-3090	79	25	and	and	CCONJ
hassl-3090	79	26	banks	bank	NOUN
hassl-3090	79	27	without	without	ADP
hassl-3090	79	28	requiring	require	VERB
hassl-3090	79	29	huge	huge	ADJ
hassl-3090	79	30	expenses	expense	NOUN
hassl-3090	79	31	(	(	PUNCT
hassl-3090	79	32	esther	esther	PROPN
hassl-3090	79	33	&	&	CCONJ
hassl-3090	79	34	john	john	PROPN
hassl-3090	79	35	,	,	PUNCT
hassl-3090	79	36	2020	2020	NUM
hassl-3090	79	37	)	)	PUNCT
hassl-3090	79	38	.	.	PUNCT
hassl-3090	80	1	since	since	SCONJ
hassl-3090	80	2	the	the	DET
hassl-3090	80	3	use	use	NOUN
hassl-3090	80	4	of	of	ADP
hassl-3090	80	5	mobile	mobile	ADJ
hassl-3090	80	6	apps	app	NOUN
hassl-3090	80	7	is	be	AUX
hassl-3090	80	8	convenient	convenient	ADJ
hassl-3090	80	9	for	for	SCONJ
hassl-3090	80	10	customers	customer	NOUN
hassl-3090	80	11	to	to	PART
hassl-3090	80	12	make	make	VERB
hassl-3090	80	13	their	their	PRON
hassl-3090	80	14	transactions	transaction	NOUN
hassl-3090	80	15	,	,	PUNCT
hassl-3090	80	16	chat	chat	VERB
hassl-3090	80	17	bots	bot	NOUN
hassl-3090	80	18	services	service	NOUN
hassl-3090	80	19	are	be	AUX
hassl-3090	80	20	embedded	embed	VERB
hassl-3090	80	21	in	in	ADP
hassl-3090	80	22	these	these	DET
hassl-3090	80	23	apps	app	NOUN
hassl-3090	80	24	by	by	ADP
hassl-3090	80	25	banks	bank	NOUN
hassl-3090	80	26	which	which	PRON
hassl-3090	80	27	facilitate	facilitate	VERB
hassl-3090	80	28	customers	customer	NOUN
hassl-3090	80	29	in	in	ADP
hassl-3090	80	30	different	different	ADJ
hassl-3090	80	31	aspects	aspect	NOUN
hassl-3090	80	32	like	like	ADP
hassl-3090	80	33	checking	check	VERB
hassl-3090	80	34	account	account	NOUN
hassl-3090	80	35	balances	balance	NOUN
hassl-3090	80	36	,	,	PUNCT
hassl-3090	80	37	activation	activation	NOUN
hassl-3090	80	38	of	of	ADP
hassl-3090	80	39	cards	card	NOUN
hassl-3090	80	40	,	,	PUNCT
hassl-3090	80	41	cash	cash	NOUN
hassl-3090	80	42	withdrawal	withdrawal	NOUN
hassl-3090	80	43	,	,	PUNCT
hassl-3090	80	44	credit	credit	NOUN
hassl-3090	80	45	updates	update	NOUN
hassl-3090	80	46	etc	etc	X
hassl-3090	80	47	.	.	X
hassl-3090	80	48	while	while	SCONJ
hassl-3090	80	49	saving	save	VERB
hassl-3090	80	50	the	the	DET
hassl-3090	80	51	communication	communication	NOUN
hassl-3090	80	52	time	time	NOUN
hassl-3090	80	53	of	of	ADP
hassl-3090	80	54	financial	financial	ADJ
hassl-3090	80	55	institutions	institution	NOUN
hassl-3090	80	56	as	as	ADV
hassl-3090	80	57	well	well	ADV
hassl-3090	80	58	(	(	PUNCT
hassl-3090	80	59	gentsch	gentsch	ADJ
hassl-3090	80	60	,	,	PUNCT
hassl-3090	80	61	2019	2019	NUM
hassl-3090	80	62	)	)	PUNCT
hassl-3090	80	63	.	.	PUNCT
hassl-3090	81	1	2.4	2.4	NUM
hassl-3090	81	2	.	.	PUNCT
hassl-3090	82	1	risk	risk	NOUN
hassl-3090	82	2	management	management	NOUN
hassl-3090	82	3	ai	ai	VERB
hassl-3090	82	4	based	base	VERB
hassl-3090	82	5	systems	system	NOUN
hassl-3090	82	6	also	also	ADV
hassl-3090	82	7	facilitate	facilitate	VERB
hassl-3090	82	8	the	the	DET
hassl-3090	82	9	risk	risk	NOUN
hassl-3090	82	10	management	management	NOUN
hassl-3090	82	11	of	of	ADP
hassl-3090	82	12	loans	loan	NOUN
hassl-3090	82	13	issued	issue	VERB
hassl-3090	82	14	by	by	ADP
hassl-3090	82	15	banks	bank	NOUN
hassl-3090	82	16	,	,	PUNCT
hassl-3090	82	17	because	because	SCONJ
hassl-3090	82	18	such	such	ADJ
hassl-3090	82	19	systems	system	NOUN
hassl-3090	82	20	have	have	VERB
hassl-3090	82	21	the	the	DET
hassl-3090	82	22	ability	ability	NOUN
hassl-3090	82	23	to	to	PART
hassl-3090	82	24	appraise	appraise	VERB
hassl-3090	82	25	credit	credit	NOUN
hassl-3090	82	26	histories	history	NOUN
hassl-3090	82	27	of	of	ADP
hassl-3090	82	28	customers	customer	NOUN
hassl-3090	82	29	more	more	ADV
hassl-3090	82	30	appropriately	appropriately	ADV
hassl-3090	82	31	.	.	PUNCT
hassl-3090	83	1	mobile	mobile	ADJ
hassl-3090	83	2	banking	banking	NOUN
hassl-3090	83	3	apps	app	NOUN
hassl-3090	83	4	analyze	analyze	VERB
hassl-3090	83	5	users	user	NOUN
hassl-3090	83	6	’	’	PART
hassl-3090	83	7	data	datum	NOUN
hassl-3090	83	8	and	and	CCONJ
hassl-3090	83	9	can	can	AUX
hassl-3090	83	10	track	track	VERB
hassl-3090	83	11	financial	financial	ADJ
hassl-3090	83	12	transactions	transaction	NOUN
hassl-3090	83	13	,	,	PUNCT
hassl-3090	83	14	facilitating	facilitate	VERB
hassl-3090	83	15	banks	bank	NOUN
hassl-3090	83	16	in	in	ADP
hassl-3090	83	17	decision	decision	NOUN
hassl-3090	83	18	making	making	NOUN
hassl-3090	83	19	and	and	CCONJ
hassl-3090	83	20	other	other	ADJ
hassl-3090	83	21	multiple	multiple	ADJ
hassl-3090	83	22	activities	activity	NOUN
hassl-3090	83	23	like	like	ADP
hassl-3090	83	24	detecting	detect	VERB
hassl-3090	83	25	any	any	DET
hassl-3090	83	26	threat	threat	NOUN
hassl-3090	83	27	of	of	ADP
hassl-3090	83	28	fraud	fraud	NOUN
hassl-3090	83	29	or	or	CCONJ
hassl-3090	83	30	customers	customer	NOUN
hassl-3090	83	31	’	’	PART
hassl-3090	83	32	insolvency	insolvency	NOUN
hassl-3090	83	33	in	in	ADP
hassl-3090	83	34	loan	loan	NOUN
hassl-3090	83	35	disbursements	disbursement	NOUN
hassl-3090	83	36	(	(	PUNCT
hassl-3090	83	37	malali	malali	PROPN
hassl-3090	83	38	&	&	CCONJ
hassl-3090	83	39	gopalakrishnan	gopalakrishnan	PROPN
hassl-3090	83	40	,	,	PUNCT
hassl-3090	83	41	2020	2020	NUM
hassl-3090	83	42	)	)	PUNCT
hassl-3090	83	43	.	.	PUNCT
hassl-3090	84	1	2.5	2.5	NUM
hassl-3090	84	2	.	.	PUNCT
hassl-3090	85	1	data	datum	NOUN
hassl-3090	85	2	security	security	NOUN
hassl-3090	85	3	although	although	SCONJ
hassl-3090	85	4	online	online	ADJ
hassl-3090	85	5	banking	banking	NOUN
hassl-3090	85	6	has	have	AUX
hassl-3090	85	7	facilitated	facilitate	VERB
hassl-3090	85	8	customers	customer	NOUN
hassl-3090	85	9	in	in	ADP
hassl-3090	85	10	several	several	ADJ
hassl-3090	85	11	ways	way	NOUN
hassl-3090	85	12	,	,	PUNCT
hassl-3090	85	13	it	it	PRON
hassl-3090	85	14	has	have	AUX
hassl-3090	85	15	also	also	ADV
hassl-3090	85	16	brought	bring	VERB
hassl-3090	85	17	cyber	cyber	ADJ
hassl-3090	85	18	security	security	NOUN
hassl-3090	85	19	challenges	challenge	NOUN
hassl-3090	85	20	.	.	PUNCT
hassl-3090	86	1	for	for	ADP
hassl-3090	86	2	instance	instance	NOUN
hassl-3090	86	3	,	,	PUNCT
hassl-3090	86	4	credit	credit	NOUN
hassl-3090	86	5	card	card	NOUN
hassl-3090	86	6	frauds	fraud	NOUN
hassl-3090	86	7	have	have	AUX
hassl-3090	86	8	become	become	VERB
hassl-3090	86	9	the	the	DET
hassl-3090	86	10	most	most	ADV
hassl-3090	86	11	common	common	ADJ
hassl-3090	86	12	personal	personal	ADJ
hassl-3090	86	13	data	datum	NOUN
hassl-3090	86	14	theft	theft	NOUN
hassl-3090	86	15	and	and	CCONJ
hassl-3090	86	16	posed	pose	VERB
hassl-3090	86	17	serious	serious	ADJ
hassl-3090	86	18	challenges	challenge	NOUN
hassl-3090	86	19	for	for	ADP
hassl-3090	86	20	the	the	DET
hassl-3090	86	21	banking	banking	NOUN
hassl-3090	86	22	sector	sector	NOUN
hassl-3090	86	23	(	(	PUNCT
hassl-3090	86	24	paul	paul	PROPN
hassl-3090	86	25	&	&	CCONJ
hassl-3090	86	26	madana	madana	PROPN
hassl-3090	86	27	,	,	PUNCT
hassl-3090	86	28	2021	2021	NUM
hassl-3090	86	29	)	)	PUNCT
hassl-3090	86	30	.	.	PUNCT
hassl-3090	87	1	ai	ai	AUX
hassl-3090	87	2	based	base	VERB
hassl-3090	87	3	monitoring	monitoring	NOUN
hassl-3090	87	4	and	and	CCONJ
hassl-3090	87	5	surveillance	surveillance	NOUN
hassl-3090	87	6	systems	system	NOUN
hassl-3090	87	7	are	be	AUX
hassl-3090	87	8	quite	quite	ADV
hassl-3090	87	9	effective	effective	ADJ
hassl-3090	87	10	against	against	ADP
hassl-3090	87	11	such	such	ADJ
hassl-3090	87	12	security	security	NOUN
hassl-3090	87	13	issues	issue	NOUN
hassl-3090	87	14	as	as	SCONJ
hassl-3090	87	15	they	they	PRON
hassl-3090	87	16	can	can	AUX
hassl-3090	87	17	analyze	analyze	VERB
hassl-3090	87	18	clients	client	NOUN
hassl-3090	87	19	’	’	PART
hassl-3090	87	20	behavior	behavior	NOUN
hassl-3090	87	21	,	,	PUNCT
hassl-3090	87	22	financial	financial	ADJ
hassl-3090	87	23	habits	habit	NOUN
hassl-3090	87	24	,	,	PUNCT
hassl-3090	87	25	location	location	NOUN
hassl-3090	87	26	and	and	CCONJ
hassl-3090	87	27	activate	activate	VERB
hassl-3090	87	28	a	a	DET
hassl-3090	87	29	security	security	NOUN
hassl-3090	87	30	mechanism	mechanism	NOUN
hassl-3090	87	31	if	if	SCONJ
hassl-3090	87	32	any	any	DET
hassl-3090	87	33	unusual	unusual	ADJ
hassl-3090	87	34	activity	activity	NOUN
hassl-3090	87	35	is	be	AUX
hassl-3090	87	36	detected	detect	VERB
hassl-3090	87	37	.	.	PUNCT
hassl-3090	88	1	therefore	therefore	ADV
hassl-3090	88	2	,	,	PUNCT
hassl-3090	88	3	banks	bank	NOUN
hassl-3090	88	4	are	be	AUX
hassl-3090	88	5	rightly	rightly	ADV
hassl-3090	88	6	increasing	increase	VERB
hassl-3090	88	7	their	their	PRON
hassl-3090	88	8	investments	investment	NOUN
hassl-3090	88	9	in	in	ADP
hassl-3090	88	10	ai	ai	PROPN
hassl-3090	88	11	and	and	CCONJ
hassl-3090	88	12	cyber	cyber	ADJ
hassl-3090	88	13	security	security	NOUN
hassl-3090	88	14	analytic	analytic	ADJ
hassl-3090	88	15	programs	program	NOUN
hassl-3090	88	16	(	(	PUNCT
hassl-3090	88	17	yu	yu	PROPN
hassl-3090	88	18	&	&	CCONJ
hassl-3090	88	19	song	song	PROPN
hassl-3090	88	20	,	,	PUNCT
hassl-3090	88	21	2020	2020	NUM
hassl-3090	88	22	)	)	PUNCT
hassl-3090	88	23	.	.	PUNCT
hassl-3090	89	1	2.6	2.6	NUM
hassl-3090	89	2	.	.	PUNCT
hassl-3090	90	1	transaction	transaction	NOUN
hassl-3090	90	2	data	datum	NOUN
hassl-3090	90	3	enhancement	enhancement	NOUN
hassl-3090	90	4	transaction	transaction	NOUN
hassl-3090	90	5	data	datum	NOUN
hassl-3090	90	6	enhancement	enhancement	NOUN
hassl-3090	90	7	is	be	AUX
hassl-3090	90	8	beneficial	beneficial	ADJ
hassl-3090	90	9	for	for	ADP
hassl-3090	90	10	both	both	CCONJ
hassl-3090	90	11	financial	financial	ADJ
hassl-3090	90	12	institutions	institution	NOUN
hassl-3090	90	13	and	and	CCONJ
hassl-3090	90	14	consumers	consumer	NOUN
hassl-3090	90	15	.	.	PUNCT
hassl-3090	91	1	by	by	ADP
hassl-3090	91	2	using	use	VERB
hassl-3090	91	3	artificial	artificial	ADJ
hassl-3090	91	4	intelligence	intelligence	NOUN
hassl-3090	91	5	and	and	CCONJ
hassl-3090	91	6	machine	machine	NOUN
hassl-3090	91	7	learning	learning	NOUN
hassl-3090	91	8	,	,	PUNCT
hassl-3090	91	9	it	it	PRON
hassl-3090	91	10	deciphers	decipher	VERB
hassl-3090	91	11	unfathomable	unfathomable	ADJ
hassl-3090	91	12	strings	string	NOUN
hassl-3090	91	13	of	of	ADP
hassl-3090	91	14	characters	character	NOUN
hassl-3090	91	15	,	,	PUNCT
hassl-3090	91	16	containing	contain	VERB
hassl-3090	91	17	information	information	NOUN
hassl-3090	91	18	about	about	ADP
hassl-3090	91	19	the	the	DET
hassl-3090	91	20	transactions	transaction	NOUN
hassl-3090	91	21	and	and	CCONJ
hassl-3090	91	22	merchants	merchant	NOUN
hassl-3090	91	23	,	,	PUNCT
hassl-3090	91	24	and	and	CCONJ
hassl-3090	91	25	converts	convert	VERB
hassl-3090	91	26	it	it	PRON
hassl-3090	91	27	into	into	ADP
hassl-3090	91	28	readable	readable	ADJ
hassl-3090	91	29	text	text	NOUN
hassl-3090	91	30	representing	represent	VERB
hassl-3090	91	31	local	local	ADJ
hassl-3090	91	32	merchant	merchant	NOUN
hassl-3090	91	33	’s	’s	PART
hassl-3090	91	34	name	name	NOUN
hassl-3090	91	35	and	and	CCONJ
hassl-3090	91	36	address	address	NOUN
hassl-3090	91	37	(	(	PUNCT
hassl-3090	91	38	abusalma	abusalma	ADJ
hassl-3090	91	39	,	,	PUNCT
hassl-3090	91	40	2021	2021	NUM
hassl-3090	91	41	)	)	PUNCT
hassl-3090	91	42	.	.	PUNCT
hassl-3090	92	1	such	such	ADJ
hassl-3090	92	2	conversion	conversion	NOUN
hassl-3090	92	3	of	of	ADP
hassl-3090	92	4	complicated	complicated	ADJ
hassl-3090	92	5	data	datum	NOUN
hassl-3090	92	6	into	into	ADP
hassl-3090	92	7	easily	easily	ADV
hassl-3090	92	8	understandable	understandable	ADJ
hassl-3090	92	9	information	information	NOUN
hassl-3090	92	10	facilitates	facilitate	VERB
hassl-3090	92	11	customers	customer	NOUN
hassl-3090	92	12	in	in	ADP
hassl-3090	92	13	understanding	understand	VERB
hassl-3090	92	14	their	their	PRON
hassl-3090	92	15	transactions	transaction	NOUN
hassl-3090	92	16	,	,	PUNCT
hassl-3090	92	17	which	which	PRON
hassl-3090	92	18	also	also	ADV
hassl-3090	92	19	eliminates	eliminate	VERB
hassl-3090	92	20	the	the	DET
hassl-3090	92	21	burden	burden	NOUN
hassl-3090	92	22	of	of	ADP
hassl-3090	92	23	customer	customer	NOUN
hassl-3090	92	24	service	service	NOUN
hassl-3090	92	25	calls	call	NOUN
hassl-3090	92	26	and	and	CCONJ
hassl-3090	92	27	costs	cost	NOUN
hassl-3090	92	28	of	of	ADP
hassl-3090	92	29	fraud	fraud	NOUN
hassl-3090	92	30	research	research	NOUN
hassl-3090	92	31	.	.	PUNCT
hassl-3090	93	1	such	such	ADJ
hassl-3090	93	2	understanding	understanding	NOUN
hassl-3090	93	3	of	of	ADP
hassl-3090	93	4	data	datum	NOUN
hassl-3090	93	5	by	by	ADP
hassl-3090	93	6	customers	customer	NOUN
hassl-3090	93	7	not	not	PART
hassl-3090	93	8	only	only	ADV
hassl-3090	93	9	eliminates	eliminate	VERB
hassl-3090	93	10	banks	bank	NOUN
hassl-3090	93	11	’	'	PUNCT
hassl-3090	93	12	burden	burden	NOUN
hassl-3090	93	13	for	for	ADP
hassl-3090	93	14	unnecessary	unnecessary	ADJ
hassl-3090	93	15	inquires	inquire	NOUN
hassl-3090	93	16	calls	call	NOUN
hassl-3090	93	17	about	about	ADP
hassl-3090	93	18	credit	credit	NOUN
hassl-3090	93	19	card	card	NOUN
hassl-3090	93	20	bills	bill	NOUN
hassl-3090	93	21	,	,	PUNCT
hassl-3090	93	22	but	but	CCONJ
hassl-3090	93	23	also	also	ADV
hassl-3090	93	24	builds	build	VERB
hassl-3090	93	25	customers	customer	NOUN
hassl-3090	93	26	’	'	PUNCT
hassl-3090	93	27	trust	trust	NOUN
hassl-3090	93	28	on	on	ADP
hassl-3090	93	29	banking	banking	NOUN
hassl-3090	93	30	services	service	NOUN
hassl-3090	93	31	because	because	SCONJ
hassl-3090	93	32	they	they	PRON
hassl-3090	93	33	are	be	AUX
hassl-3090	93	34	able	able	ADJ
hassl-3090	93	35	to	to	PART
hassl-3090	93	36	understand	understand	VERB
hassl-3090	93	37	each	each	PRON
hassl-3090	93	38	of	of	ADP
hassl-3090	93	39	their	their	PRON
hassl-3090	93	40	transactions	transaction	NOUN
hassl-3090	93	41	and	and	CCONJ
hassl-3090	93	42	relevant	relevant	ADJ
hassl-3090	93	43	charges	charge	NOUN
hassl-3090	93	44	(	(	PUNCT
hassl-3090	93	45	kaur	kaur	PROPN
hassl-3090	93	46	et	et	PROPN
hassl-3090	93	47	al	al	PROPN
hassl-3090	93	48	.	.	PROPN
hassl-3090	93	49	,	,	PUNCT
hassl-3090	93	50	2020	2020	NUM
hassl-3090	93	51	)	)	PUNCT
hassl-3090	93	52	.	.	PUNCT
hassl-3090	94	1	2.7	2.7	NUM
hassl-3090	94	2	.	.	PUNCT
hassl-3090	94	3	reduction	reduction	NOUN
hassl-3090	94	4	in	in	ADP
hassl-3090	94	5	operational	operational	ADJ
hassl-3090	94	6	costs	cost	NOUN
hassl-3090	94	7	banks	bank	NOUN
hassl-3090	94	8	have	have	VERB
hassl-3090	94	9	to	to	PART
hassl-3090	94	10	incur	incur	VERB
hassl-3090	94	11	huge	huge	ADJ
hassl-3090	94	12	amounts	amount	NOUN
hassl-3090	94	13	in	in	ADP
hassl-3090	94	14	term	term	NOUN
hassl-3090	94	15	of	of	ADP
hassl-3090	94	16	operational	operational	ADJ
hassl-3090	94	17	costs	cost	NOUN
hassl-3090	94	18	due	due	ADJ
hassl-3090	94	19	to	to	ADP
hassl-3090	94	20	human	human	ADJ
hassl-3090	94	21	based	base	VERB
hassl-3090	94	22	processes	process	NOUN
hassl-3090	94	23	which	which	PRON
hassl-3090	94	24	are	be	AUX
hassl-3090	94	25	mostly	mostly	ADV
hassl-3090	94	26	based	base	VERB
hassl-3090	94	27	on	on	ADP
hassl-3090	94	28	heavy	heavy	ADJ
hassl-3090	94	29	paper	paper	NOUN
hassl-3090	94	30	work	work	NOUN
hassl-3090	94	31	,	,	PUNCT
hassl-3090	94	32	also	also	ADV
hassl-3090	94	33	incorporating	incorporate	VERB
hassl-3090	94	34	the	the	DET
hassl-3090	94	35	chances	chance	NOUN
hassl-3090	94	36	for	for	ADP
hassl-3090	94	37	human	human	ADJ
hassl-3090	94	38	errors	error	NOUN
hassl-3090	94	39	(	(	PUNCT
hassl-3090	94	40	cavus	cavus	PROPN
hassl-3090	94	41	et	et	PROPN
hassl-3090	94	42	al	al	PROPN
hassl-3090	94	43	.	.	PROPN
hassl-3090	94	44	,	,	PUNCT
hassl-3090	94	45	2021	2021	NUM
hassl-3090	94	46	)	)	PUNCT
hassl-3090	94	47	.	.	PUNCT
hassl-3090	95	1	a	a	DET
hassl-3090	95	2	few	few	ADJ
hassl-3090	95	3	banks	bank	NOUN
hassl-3090	95	4	implement	implement	VERB
hassl-3090	95	5	software	software	NOUN
hassl-3090	95	6	like	like	ADP
hassl-3090	95	7	rpa	rpa	PROPN
hassl-3090	95	8	(	(	PUNCT
hassl-3090	95	9	robotic	robotic	ADJ
hassl-3090	95	10	process	process	NOUN
hassl-3090	95	11	automation	automation	NOUN
hassl-3090	95	12	)	)	PUNCT
hassl-3090	95	13	that	that	PRON
hassl-3090	95	14	imitates	imitate	VERB
hassl-3090	95	15	rules	rule	NOUN
hassl-3090	95	16	based	base	VERB
hassl-3090	95	17	digital	digital	ADJ
hassl-3090	95	18	tasks	task	NOUN
hassl-3090	95	19	performed	perform	VERB
hassl-3090	95	20	by	by	ADP
hassl-3090	95	21	humans	human	NOUN
hassl-3090	95	22	.	.	PUNCT
hassl-3090	96	1	it	it	PRON
hassl-3090	96	2	is	be	AUX
hassl-3090	96	3	a	a	DET
hassl-3090	96	4	very	very	ADV
hassl-3090	96	5	useful	useful	ADJ
hassl-3090	96	6	device	device	NOUN
hassl-3090	96	7	for	for	ADP
hassl-3090	96	8	eliminating	eliminate	VERB
hassl-3090	96	9	error	error	NOUN
hassl-3090	96	10	prone	prone	ADJ
hassl-3090	96	11	and	and	CCONJ
hassl-3090	96	12	time	time	NOUN
hassl-3090	96	13	intensive	intensive	ADJ
hassl-3090	96	14	work	work	NOUN
hassl-3090	96	15	in	in	ADP
hassl-3090	96	16	fields	field	NOUN
hassl-3090	96	17	like	like	ADP
hassl-3090	96	18	data	datum	NOUN
hassl-3090	96	19	entry	entry	NOUN
hassl-3090	96	20	of	of	ADP
hassl-3090	96	21	humanities	humanity	NOUN
hassl-3090	96	22	and	and	CCONJ
hassl-3090	96	23	social	social	ADJ
hassl-3090	96	24	sciences	science	NOUN
hassl-3090	96	25	letters	letter	NOUN
hassl-3090	96	26	,	,	PUNCT
hassl-3090	96	27	2022	2022	NUM
hassl-3090	96	28	,	,	PUNCT
hassl-3090	96	29	10(3	10(3	NUM
hassl-3090	96	30	):	):	PUNCT
hassl-3090	96	31	383	383	NUM
hassl-3090	96	32	-	-	SYM
hassl-3090	96	33	393	393	NUM
hassl-3090	96	34	387	387	NUM
hassl-3090	96	35	©	©	PROPN
hassl-3090	96	36	2022	2022	NUM
hassl-3090	96	37	conscientia	conscientia	PROPN
hassl-3090	96	38	beam	beam	PROPN
hassl-3090	96	39	.	.	PUNCT
hassl-3090	97	1	all	all	DET
hassl-3090	97	2	rights	right	NOUN
hassl-3090	97	3	reserved	reserve	VERB
hassl-3090	97	4	.	.	PUNCT
hassl-3090	98	1	customers	customer	NOUN
hassl-3090	98	2	,	,	PUNCT
hassl-3090	98	3	filling	fill	VERB
hassl-3090	98	4	up	up	ADP
hassl-3090	98	5	contract	contract	NOUN
hassl-3090	98	6	forms	form	NOUN
hassl-3090	98	7	etc	etc	X
hassl-3090	98	8	.	.	PUNCT
hassl-3090	98	9	such	such	ADJ
hassl-3090	98	10	software	software	NOUN
hassl-3090	98	11	when	when	SCONJ
hassl-3090	98	12	coupled	couple	VERB
hassl-3090	98	13	with	with	ADP
hassl-3090	98	14	ai	ai	PROPN
hassl-3090	98	15	technologies	technology	NOUN
hassl-3090	98	16	like	like	ADP
hassl-3090	98	17	natural	natural	ADJ
hassl-3090	98	18	language	language	NOUN
hassl-3090	98	19	processing	processing	NOUN
hassl-3090	98	20	turn	turn	NOUN
hassl-3090	98	21	into	into	ADP
hassl-3090	98	22	intelligent	intelligent	ADJ
hassl-3090	98	23	process	process	NOUN
hassl-3090	98	24	automation	automation	NOUN
hassl-3090	98	25	tools	tool	NOUN
hassl-3090	98	26	which	which	PRON
hassl-3090	98	27	are	be	AUX
hassl-3090	98	28	capable	capable	ADJ
hassl-3090	98	29	of	of	ADP
hassl-3090	98	30	handling	handle	VERB
hassl-3090	98	31	mounting	mount	VERB
hassl-3090	98	32	workflows	workflow	NOUN
hassl-3090	98	33	of	of	ADP
hassl-3090	98	34	banks	bank	NOUN
hassl-3090	98	35	previously	previously	ADV
hassl-3090	98	36	handled	handle	VERB
hassl-3090	98	37	by	by	ADP
hassl-3090	98	38	humans	human	NOUN
hassl-3090	98	39	(	(	PUNCT
hassl-3090	98	40	indriasari	indriasari	NOUN
hassl-3090	98	41	,	,	PUNCT
hassl-3090	98	42	gaol	gaol	NOUN
hassl-3090	98	43	,	,	PUNCT
hassl-3090	98	44	&	&	CCONJ
hassl-3090	98	45	matsuo	matsuo	PROPN
hassl-3090	98	46	,	,	PUNCT
hassl-3090	98	47	2019	2019	NUM
hassl-3090	98	48	)	)	PUNCT
hassl-3090	98	49	.	.	PUNCT
hassl-3090	99	1	2.8	2.8	NUM
hassl-3090	99	2	.	.	PUNCT
hassl-3090	99	3	automated	automate	VERB
hassl-3090	99	4	investment	investment	NOUN
hassl-3090	99	5	processes	process	NOUN
hassl-3090	99	6	ai	ai	VERB
hassl-3090	99	7	has	have	AUX
hassl-3090	99	8	been	be	AUX
hassl-3090	99	9	implemented	implement	VERB
hassl-3090	99	10	smartly	smartly	ADV
hassl-3090	99	11	by	by	ADP
hassl-3090	99	12	banks	bank	NOUN
hassl-3090	99	13	through	through	ADP
hassl-3090	99	14	their	their	PRON
hassl-3090	99	15	systems	system	NOUN
hassl-3090	99	16	,	,	PUNCT
hassl-3090	99	17	which	which	PRON
hassl-3090	99	18	have	have	AUX
hassl-3090	99	19	facilitated	facilitate	VERB
hassl-3090	99	20	making	make	VERB
hassl-3090	99	21	investment	investment	NOUN
hassl-3090	99	22	decisions	decision	NOUN
hassl-3090	99	23	and	and	CCONJ
hassl-3090	99	24	supporting	support	VERB
hassl-3090	99	25	investment	investment	NOUN
hassl-3090	99	26	banking	banking	NOUN
hassl-3090	99	27	research	research	NOUN
hassl-3090	99	28	like	like	ADP
hassl-3090	99	29	hunting	hunt	VERB
hassl-3090	99	30	markets	market	NOUN
hassl-3090	99	31	for	for	ADP
hassl-3090	99	32	unexploited	unexploited	ADJ
hassl-3090	99	33	investment	investment	NOUN
hassl-3090	99	34	opportunities	opportunity	NOUN
hassl-3090	99	35	and	and	CCONJ
hassl-3090	99	36	informing	inform	VERB
hassl-3090	99	37	the	the	DET
hassl-3090	99	38	algorithmic	algorithmic	ADJ
hassl-3090	99	39	trading	trading	NOUN
hassl-3090	99	40	systems	system	NOUN
hassl-3090	99	41	(	(	PUNCT
hassl-3090	99	42	malali	malali	PROPN
hassl-3090	99	43	&	&	CCONJ
hassl-3090	99	44	gopalakrishnan	gopalakrishnan	PROPN
hassl-3090	99	45	,	,	PUNCT
hassl-3090	99	46	2020	2020	NUM
hassl-3090	99	47	)	)	PUNCT
hassl-3090	99	48	.	.	PUNCT
hassl-3090	100	1	although	although	SCONJ
hassl-3090	100	2	humans	human	NOUN
hassl-3090	100	3	are	be	AUX
hassl-3090	100	4	also	also	ADV
hassl-3090	100	5	involved	involve	VERB
hassl-3090	100	6	in	in	ADP
hassl-3090	100	7	such	such	ADJ
hassl-3090	100	8	investment	investment	NOUN
hassl-3090	100	9	decisions	decision	NOUN
hassl-3090	100	10	,	,	PUNCT
hassl-3090	100	11	ai	ai	AUX
hassl-3090	100	12	based	base	VERB
hassl-3090	100	13	systems	system	NOUN
hassl-3090	100	14	are	be	AUX
hassl-3090	100	15	unveiling	unveil	VERB
hassl-3090	100	16	additional	additional	ADJ
hassl-3090	100	17	opportunities	opportunity	NOUN
hassl-3090	100	18	through	through	ADP
hassl-3090	100	19	enhanced	enhance	VERB
hassl-3090	100	20	modeling	modeling	NOUN
hassl-3090	100	21	and	and	CCONJ
hassl-3090	100	22	discovery	discovery	NOUN
hassl-3090	100	23	.	.	PUNCT
hassl-3090	101	1	moreover	moreover	ADV
hassl-3090	101	2	,	,	PUNCT
hassl-3090	101	3	such	such	ADJ
hassl-3090	101	4	services	service	NOUN
hassl-3090	101	5	like	like	ADP
hassl-3090	101	6	robot	robot	NOUN
hassl-3090	101	7	-	-	PUNCT
hassl-3090	101	8	advisers	adviser	NOUN
hassl-3090	101	9	offered	offer	VERB
hassl-3090	101	10	by	by	ADP
hassl-3090	101	11	many	many	ADJ
hassl-3090	101	12	banks	bank	NOUN
hassl-3090	101	13	also	also	ADV
hassl-3090	101	14	facilitate	facilitate	VERB
hassl-3090	101	15	customers	customer	NOUN
hassl-3090	101	16	in	in	ADP
hassl-3090	101	17	their	their	PRON
hassl-3090	101	18	portfolio	portfolio	NOUN
hassl-3090	101	19	management	management	NOUN
hassl-3090	101	20	by	by	ADP
hassl-3090	101	21	providing	provide	VERB
hassl-3090	101	22	higher	high	ADJ
hassl-3090	101	23	quality	quality	NOUN
hassl-3090	101	24	assistance	assistance	NOUN
hassl-3090	101	25	about	about	ADP
hassl-3090	101	26	investment	investment	NOUN
hassl-3090	101	27	decisions	decision	NOUN
hassl-3090	101	28	and	and	CCONJ
hassl-3090	101	29	accessibility	accessibility	NOUN
hassl-3090	101	30	according	accord	VERB
hassl-3090	101	31	to	to	ADP
hassl-3090	101	32	the	the	DET
hassl-3090	101	33	convenience	convenience	NOUN
hassl-3090	101	34	of	of	ADP
hassl-3090	101	35	customers	customer	NOUN
hassl-3090	101	36	(	(	PUNCT
hassl-3090	101	37	yu	yu	PROPN
hassl-3090	101	38	&	&	CCONJ
hassl-3090	101	39	song	song	PROPN
hassl-3090	101	40	,	,	PUNCT
hassl-3090	101	41	2020	2020	NUM
hassl-3090	101	42	)	)	PUNCT
hassl-3090	101	43	.	.	PUNCT
hassl-3090	102	1	2.9	2.9	NUM
hassl-3090	102	2	.	.	PUNCT
hassl-3090	103	1	the	the	DET
hassl-3090	103	2	role	role	NOUN
hassl-3090	103	3	of	of	ADP
hassl-3090	103	4	artificial	artificial	ADJ
hassl-3090	103	5	intelligence	intelligence	NOUN
hassl-3090	103	6	technology	technology	NOUN
hassl-3090	103	7	in	in	ADP
hassl-3090	103	8	jordanian	jordanian	ADJ
hassl-3090	103	9	banking	banking	NOUN
hassl-3090	103	10	system	system	NOUN
hassl-3090	103	11	enhancement	enhancement	NOUN
hassl-3090	103	12	although	although	SCONJ
hassl-3090	103	13	technology	technology	NOUN
hassl-3090	103	14	is	be	AUX
hassl-3090	103	15	developing	develop	VERB
hassl-3090	103	16	rapidly	rapidly	ADV
hassl-3090	103	17	in	in	ADP
hassl-3090	103	18	jordanian	jordanian	ADJ
hassl-3090	103	19	banking	banking	NOUN
hassl-3090	103	20	industry	industry	NOUN
hassl-3090	103	21	,	,	PUNCT
hassl-3090	103	22	but	but	CCONJ
hassl-3090	103	23	it	it	PRON
hassl-3090	103	24	has	have	AUX
hassl-3090	103	25	still	still	ADV
hassl-3090	103	26	not	not	PART
hassl-3090	103	27	placed	place	VERB
hassl-3090	103	28	its	its	PRON
hassl-3090	103	29	position	position	NOUN
hassl-3090	103	30	in	in	ADP
hassl-3090	103	31	the	the	DET
hassl-3090	103	32	jordanian	jordanian	ADJ
hassl-3090	103	33	banks	bank	NOUN
hassl-3090	103	34	including	include	VERB
hassl-3090	103	35	the	the	DET
hassl-3090	103	36	central	central	ADJ
hassl-3090	103	37	bank	bank	PROPN
hassl-3090	103	38	of	of	ADP
hassl-3090	103	39	jordan	jordan	PROPN
hassl-3090	103	40	.	.	PUNCT
hassl-3090	104	1	however	however	ADV
hassl-3090	104	2	,	,	PUNCT
hassl-3090	104	3	the	the	DET
hassl-3090	104	4	banks	bank	NOUN
hassl-3090	104	5	are	be	AUX
hassl-3090	104	6	in	in	ADP
hassl-3090	104	7	the	the	DET
hassl-3090	104	8	process	process	NOUN
hassl-3090	104	9	of	of	ADP
hassl-3090	104	10	adopting	adopt	VERB
hassl-3090	104	11	and	and	CCONJ
hassl-3090	104	12	implementing	implement	VERB
hassl-3090	104	13	advanced	advanced	ADJ
hassl-3090	104	14	technologies	technology	NOUN
hassl-3090	104	15	like	like	ADP
hassl-3090	104	16	ai	ai	VERB
hassl-3090	104	17	intelligence	intelligence	NOUN
hassl-3090	104	18	so	so	SCONJ
hassl-3090	104	19	that	that	SCONJ
hassl-3090	104	20	they	they	PRON
hassl-3090	104	21	can	can	AUX
hassl-3090	104	22	cope	cope	VERB
hassl-3090	104	23	with	with	ADP
hassl-3090	104	24	the	the	DET
hassl-3090	104	25	challenges	challenge	NOUN
hassl-3090	104	26	of	of	ADP
hassl-3090	104	27	recent	recent	ADJ
hassl-3090	104	28	era	era	NOUN
hassl-3090	104	29	.	.	PUNCT
hassl-3090	105	1	the	the	DET
hassl-3090	105	2	implementation	implementation	NOUN
hassl-3090	105	3	of	of	ADP
hassl-3090	105	4	ai	ai	PRON
hassl-3090	105	5	based	base	VERB
hassl-3090	105	6	systems	system	NOUN
hassl-3090	105	7	has	have	AUX
hassl-3090	105	8	become	become	VERB
hassl-3090	105	9	the	the	DET
hassl-3090	105	10	dire	dire	ADJ
hassl-3090	105	11	need	need	NOUN
hassl-3090	105	12	for	for	ADP
hassl-3090	105	13	banking	banking	NOUN
hassl-3090	105	14	systems	system	NOUN
hassl-3090	105	15	(	(	PUNCT
hassl-3090	105	16	modee	modee	NOUN
hassl-3090	105	17	,	,	PUNCT
hassl-3090	105	18	2020	2020	NUM
hassl-3090	105	19	)	)	PUNCT
hassl-3090	105	20	.	.	PUNCT
hassl-3090	106	1	in	in	ADP
hassl-3090	106	2	this	this	DET
hassl-3090	106	3	regard	regard	NOUN
hassl-3090	106	4	,	,	PUNCT
hassl-3090	106	5	the	the	DET
hassl-3090	106	6	central	central	ADJ
hassl-3090	106	7	bank	bank	NOUN
hassl-3090	106	8	of	of	ADP
hassl-3090	106	9	jordan	jordan	PROPN
hassl-3090	106	10	in	in	ADP
hassl-3090	106	11	collaboration	collaboration	NOUN
hassl-3090	106	12	with	with	ADP
hassl-3090	106	13	microsoft	microsoft	PROPN
hassl-3090	106	14	has	have	AUX
hassl-3090	106	15	focused	focus	VERB
hassl-3090	106	16	on	on	ADP
hassl-3090	106	17	the	the	DET
hassl-3090	106	18	digital	digital	ADJ
hassl-3090	106	19	transformation	transformation	NOUN
hassl-3090	106	20	of	of	ADP
hassl-3090	106	21	jordan	jordan	PROPN
hassl-3090	106	22	’s	’s	PART
hassl-3090	106	23	financial	financial	PROPN
hassl-3090	106	24	services	service	NOUN
hassl-3090	106	25	industry	industry	NOUN
hassl-3090	106	26	by	by	ADP
hassl-3090	106	27	providing	provide	VERB
hassl-3090	106	28	cloud	cloud	ADJ
hassl-3090	106	29	computing	computing	NOUN
hassl-3090	106	30	guidelines	guideline	NOUN
hassl-3090	106	31	.	.	PUNCT
hassl-3090	107	1	these	these	DET
hassl-3090	107	2	guidelines	guideline	NOUN
hassl-3090	107	3	are	be	AUX
hassl-3090	107	4	projected	project	VERB
hassl-3090	107	5	to	to	PART
hassl-3090	107	6	provide	provide	VERB
hassl-3090	107	7	recommendations	recommendation	NOUN
hassl-3090	107	8	to	to	ADP
hassl-3090	107	9	various	various	ADJ
hassl-3090	107	10	institutions	institution	NOUN
hassl-3090	107	11	like	like	ADP
hassl-3090	107	12	exchange	exchange	NOUN
hassl-3090	107	13	companies	company	NOUN
hassl-3090	107	14	,	,	PUNCT
hassl-3090	107	15	banks	bank	NOUN
hassl-3090	107	16	,	,	PUNCT
hassl-3090	107	17	islamic	islamic	ADJ
hassl-3090	107	18	banks	bank	NOUN
hassl-3090	107	19	,	,	PUNCT
hassl-3090	107	20	microfinance	microfinance	NOUN
hassl-3090	107	21	companies	company	NOUN
hassl-3090	107	22	,	,	PUNCT
hassl-3090	107	23	credit	credit	NOUN
hassl-3090	107	24	information	information	NOUN
hassl-3090	107	25	companies	company	NOUN
hassl-3090	107	26	and	and	CCONJ
hassl-3090	107	27	other	other	ADJ
hassl-3090	107	28	financial	financial	ADJ
hassl-3090	107	29	institutions	institution	NOUN
hassl-3090	107	30	about	about	ADP
hassl-3090	107	31	digital	digital	ADJ
hassl-3090	107	32	transformation	transformation	NOUN
hassl-3090	107	33	,	,	PUNCT
hassl-3090	107	34	governance	governance	NOUN
hassl-3090	107	35	and	and	CCONJ
hassl-3090	107	36	cyber	cyber	ADJ
hassl-3090	107	37	security	security	NOUN
hassl-3090	107	38	.	.	PUNCT
hassl-3090	108	1	by	by	ADP
hassl-3090	108	2	following	follow	VERB
hassl-3090	108	3	these	these	DET
hassl-3090	108	4	guidelines	guideline	NOUN
hassl-3090	108	5	and	and	CCONJ
hassl-3090	108	6	recommendations	recommendation	NOUN
hassl-3090	108	7	,	,	PUNCT
hassl-3090	108	8	the	the	DET
hassl-3090	108	9	jordanian	jordanian	ADJ
hassl-3090	108	10	financial	financial	ADJ
hassl-3090	108	11	industry	industry	NOUN
hassl-3090	108	12	including	include	VERB
hassl-3090	108	13	banks	bank	NOUN
hassl-3090	108	14	will	will	AUX
hassl-3090	108	15	move	move	VERB
hassl-3090	108	16	towards	towards	ADP
hassl-3090	108	17	digital	digital	ADJ
hassl-3090	108	18	transformation	transformation	NOUN
hassl-3090	108	19	and	and	CCONJ
hassl-3090	108	20	anticipate	anticipate	VERB
hassl-3090	108	21	tremendous	tremendous	ADJ
hassl-3090	108	22	growth	growth	NOUN
hassl-3090	108	23	(	(	PUNCT
hassl-3090	108	24	microsoft	microsoft	PROPN
hassl-3090	108	25	news	news	PROPN
hassl-3090	108	26	center	center	PROPN
hassl-3090	108	27	,	,	PUNCT
hassl-3090	108	28	2019	2019	NUM
hassl-3090	108	29	)	)	PUNCT
hassl-3090	108	30	.	.	PUNCT
hassl-3090	109	1	the	the	DET
hassl-3090	109	2	present	present	ADJ
hassl-3090	109	3	paper	paper	NOUN
hassl-3090	109	4	aimed	aim	VERB
hassl-3090	109	5	at	at	ADP
hassl-3090	109	6	exploring	explore	VERB
hassl-3090	109	7	the	the	DET
hassl-3090	109	8	role	role	NOUN
hassl-3090	109	9	of	of	ADP
hassl-3090	109	10	artificial	artificial	ADJ
hassl-3090	109	11	intelligence	intelligence	NOUN
hassl-3090	109	12	(	(	PUNCT
hassl-3090	109	13	ai	ai	NOUN
hassl-3090	109	14	)	)	PUNCT
hassl-3090	109	15	in	in	ADP
hassl-3090	109	16	such	such	ADJ
hassl-3090	109	17	digital	digital	ADJ
hassl-3090	109	18	transformation	transformation	NOUN
hassl-3090	109	19	of	of	ADP
hassl-3090	109	20	jordanian	jordanian	ADJ
hassl-3090	109	21	banking	banking	NOUN
hassl-3090	109	22	system	system	NOUN
hassl-3090	109	23	and	and	CCONJ
hassl-3090	109	24	examine	examine	VERB
hassl-3090	109	25	how	how	SCONJ
hassl-3090	109	26	the	the	DET
hassl-3090	109	27	implementation	implementation	NOUN
hassl-3090	109	28	of	of	ADP
hassl-3090	109	29	ai	ai	AUX
hassl-3090	109	30	affected	affect	VERB
hassl-3090	109	31	the	the	DET
hassl-3090	109	32	banking	banking	NOUN
hassl-3090	109	33	sector	sector	NOUN
hassl-3090	109	34	and	and	CCONJ
hassl-3090	109	35	how	how	SCONJ
hassl-3090	109	36	it	it	PRON
hassl-3090	109	37	contributed	contribute	VERB
hassl-3090	109	38	in	in	ADP
hassl-3090	109	39	the	the	DET
hassl-3090	109	40	enhancement	enhancement	NOUN
hassl-3090	109	41	of	of	ADP
hassl-3090	109	42	banking	banking	NOUN
hassl-3090	109	43	services	service	NOUN
hassl-3090	109	44	industry	industry	NOUN
hassl-3090	109	45	.	.	PUNCT
hassl-3090	110	1	jordan	jordan	PROPN
hassl-3090	110	2	has	have	AUX
hassl-3090	110	3	started	start	VERB
hassl-3090	110	4	its	its	PRON
hassl-3090	110	5	journey	journey	NOUN
hassl-3090	110	6	for	for	ADP
hassl-3090	110	7	going	go	VERB
hassl-3090	110	8	digital	digital	ADJ
hassl-3090	110	9	like	like	ADP
hassl-3090	110	10	other	other	ADJ
hassl-3090	110	11	developing	develop	VERB
hassl-3090	110	12	economies	economy	NOUN
hassl-3090	110	13	,	,	PUNCT
hassl-3090	110	14	so	so	SCONJ
hassl-3090	110	15	a	a	DET
hassl-3090	110	16	need	need	NOUN
hassl-3090	110	17	was	be	AUX
hassl-3090	110	18	felt	feel	VERB
hassl-3090	110	19	to	to	PART
hassl-3090	110	20	explore	explore	VERB
hassl-3090	110	21	different	different	ADJ
hassl-3090	110	22	aspects	aspect	NOUN
hassl-3090	110	23	of	of	ADP
hassl-3090	110	24	digitalization	digitalization	NOUN
hassl-3090	110	25	and	and	CCONJ
hassl-3090	110	26	its	its	PRON
hassl-3090	110	27	effect	effect	NOUN
hassl-3090	110	28	on	on	ADP
hassl-3090	110	29	economy	economy	NOUN
hassl-3090	110	30	and	and	CCONJ
hassl-3090	110	31	different	different	ADJ
hassl-3090	110	32	sectors	sector	NOUN
hassl-3090	110	33	.	.	PUNCT
hassl-3090	111	1	the	the	DET
hassl-3090	111	2	current	current	ADJ
hassl-3090	111	3	study	study	NOUN
hassl-3090	111	4	is	be	AUX
hassl-3090	111	5	expected	expect	VERB
hassl-3090	111	6	to	to	PART
hassl-3090	111	7	provide	provide	VERB
hassl-3090	111	8	a	a	DET
hassl-3090	111	9	great	great	ADJ
hassl-3090	111	10	contribution	contribution	NOUN
hassl-3090	111	11	to	to	ADP
hassl-3090	111	12	literature	literature	NOUN
hassl-3090	111	13	,	,	PUNCT
hassl-3090	111	14	by	by	ADP
hassl-3090	111	15	highlighting	highlight	VERB
hassl-3090	111	16	the	the	DET
hassl-3090	111	17	fact	fact	NOUN
hassl-3090	111	18	that	that	SCONJ
hassl-3090	111	19	the	the	DET
hassl-3090	111	20	adoption	adoption	NOUN
hassl-3090	111	21	and	and	CCONJ
hassl-3090	111	22	implementation	implementation	NOUN
hassl-3090	111	23	of	of	ADP
hassl-3090	111	24	ai	ai	VERB
hassl-3090	111	25	contributes	contribute	NOUN
hassl-3090	111	26	in	in	ADP
hassl-3090	111	27	the	the	DET
hassl-3090	111	28	digital	digital	ADJ
hassl-3090	111	29	transformation	transformation	NOUN
hassl-3090	111	30	of	of	ADP
hassl-3090	111	31	the	the	DET
hassl-3090	111	32	banking	banking	NOUN
hassl-3090	111	33	sector	sector	NOUN
hassl-3090	111	34	,	,	PUNCT
hassl-3090	111	35	enhancement	enhancement	NOUN
hassl-3090	111	36	of	of	ADP
hassl-3090	111	37	its	its	PRON
hassl-3090	111	38	services	service	NOUN
hassl-3090	111	39	and	and	CCONJ
hassl-3090	111	40	operations	operation	NOUN
hassl-3090	111	41	and	and	CCONJ
hassl-3090	111	42	ultimately	ultimately	ADV
hassl-3090	111	43	enabling	enable	VERB
hassl-3090	111	44	the	the	DET
hassl-3090	111	45	financial	financial	ADJ
hassl-3090	111	46	development	development	NOUN
hassl-3090	111	47	of	of	ADP
hassl-3090	111	48	the	the	DET
hassl-3090	111	49	banking	banking	NOUN
hassl-3090	111	50	services	service	NOUN
hassl-3090	111	51	industry	industry	NOUN
hassl-3090	111	52	.	.	PUNCT
hassl-3090	112	1	3	3	X
hassl-3090	112	2	.	.	X
hassl-3090	112	3	methodology	methodology	NOUN
hassl-3090	112	4	and	and	CCONJ
hassl-3090	112	5	hypotheses	hypothese	VERB
hassl-3090	112	6	development	development	NOUN
hassl-3090	112	7	3.1	3.1	NUM
hassl-3090	112	8	.	.	PUNCT
hassl-3090	113	1	research	research	NOUN
hassl-3090	113	2	methodology	methodology	NOUN
hassl-3090	113	3	the	the	DET
hassl-3090	113	4	current	current	ADJ
hassl-3090	113	5	research	research	NOUN
hassl-3090	113	6	focuses	focus	VERB
hassl-3090	113	7	on	on	ADP
hassl-3090	113	8	collecting	collect	VERB
hassl-3090	113	9	primary	primary	ADJ
hassl-3090	113	10	data	datum	NOUN
hassl-3090	113	11	from	from	ADP
hassl-3090	113	12	employees	employee	NOUN
hassl-3090	113	13	and	and	CCONJ
hassl-3090	113	14	clients	client	NOUN
hassl-3090	113	15	of	of	ADP
hassl-3090	113	16	the	the	DET
hassl-3090	113	17	jordanian	jordanian	ADJ
hassl-3090	113	18	banks	bank	NOUN
hassl-3090	113	19	,	,	PUNCT
hassl-3090	113	20	which	which	PRON
hassl-3090	113	21	are	be	AUX
hassl-3090	113	22	listed	list	VERB
hassl-3090	113	23	on	on	ADP
hassl-3090	113	24	the	the	DET
hassl-3090	113	25	amman	amman	PROPN
hassl-3090	113	26	stock	stock	PROPN
hassl-3090	113	27	exchange	exchange	PROPN
hassl-3090	113	28	through	through	ADP
hassl-3090	113	29	structured	structured	ADJ
hassl-3090	113	30	questionnaires	questionnaire	NOUN
hassl-3090	113	31	,	,	PUNCT
hassl-3090	113	32	following	follow	VERB
hassl-3090	113	33	the	the	DET
hassl-3090	113	34	study	study	NOUN
hassl-3090	113	35	of	of	ADP
hassl-3090	113	36	abusalma	abusalma	NOUN
hassl-3090	113	37	(	(	PUNCT
hassl-3090	113	38	2021	2021	NUM
hassl-3090	113	39	)	)	PUNCT
hassl-3090	113	40	,	,	PUNCT
hassl-3090	113	41	who	who	PRON
hassl-3090	113	42	also	also	ADV
hassl-3090	113	43	used	use	VERB
hassl-3090	113	44	a	a	DET
hassl-3090	113	45	questionnaire	questionnaire	NOUN
hassl-3090	113	46	to	to	PART
hassl-3090	113	47	study	study	VERB
hassl-3090	113	48	the	the	DET
hassl-3090	113	49	effect	effect	NOUN
hassl-3090	113	50	of	of	ADP
hassl-3090	113	51	ai	ai	VERB
hassl-3090	113	52	on	on	ADP
hassl-3090	113	53	job	job	NOUN
hassl-3090	113	54	performance	performance	NOUN
hassl-3090	113	55	.	.	PUNCT
hassl-3090	114	1	the	the	DET
hassl-3090	114	2	study	study	NOUN
hassl-3090	114	3	incorporated	incorporate	VERB
hassl-3090	114	4	two	two	NUM
hassl-3090	114	5	questionnaires	questionnaire	NOUN
hassl-3090	114	6	:	:	PUNCT
hassl-3090	114	7	one	one	NUM
hassl-3090	114	8	for	for	ADP
hassl-3090	114	9	employees	employee	NOUN
hassl-3090	114	10	incorporating	incorporate	VERB
hassl-3090	114	11	questions	question	NOUN
hassl-3090	114	12	regarding	regard	VERB
hassl-3090	114	13	how	how	SCONJ
hassl-3090	114	14	the	the	DET
hassl-3090	114	15	implementation	implementation	NOUN
hassl-3090	114	16	of	of	ADP
hassl-3090	114	17	ai	ai	VERB
hassl-3090	114	18	in	in	ADP
hassl-3090	114	19	different	different	ADJ
hassl-3090	114	20	aspects	aspect	NOUN
hassl-3090	114	21	contributes	contribute	VERB
hassl-3090	114	22	in	in	ADP
hassl-3090	114	23	enhancing	enhance	VERB
hassl-3090	114	24	the	the	DET
hassl-3090	114	25	banking	banking	NOUN
hassl-3090	114	26	services	service	NOUN
hassl-3090	114	27	;	;	PUNCT
hassl-3090	114	28	while	while	SCONJ
hassl-3090	114	29	the	the	DET
hassl-3090	114	30	second	second	ADJ
hassl-3090	114	31	questionnaire	questionnaire	NOUN
hassl-3090	114	32	was	be	AUX
hassl-3090	114	33	designed	design	VERB
hassl-3090	114	34	for	for	ADP
hassl-3090	114	35	clients	client	NOUN
hassl-3090	114	36	in	in	ADP
hassl-3090	114	37	order	order	NOUN
hassl-3090	114	38	to	to	PART
hassl-3090	114	39	explore	explore	VERB
hassl-3090	114	40	their	their	PRON
hassl-3090	114	41	perception	perception	NOUN
hassl-3090	114	42	about	about	ADP
hassl-3090	114	43	banks	bank	NOUN
hassl-3090	114	44	going	go	VERB
hassl-3090	114	45	digital	digital	ADJ
hassl-3090	114	46	through	through	ADP
hassl-3090	114	47	the	the	DET
hassl-3090	114	48	implementation	implementation	NOUN
hassl-3090	114	49	of	of	ADP
hassl-3090	114	50	ai	ai	NOUN
hassl-3090	114	51	and	and	CCONJ
hassl-3090	114	52	how	how	SCONJ
hassl-3090	114	53	it	it	PRON
hassl-3090	114	54	could	could	AUX
hassl-3090	114	55	affect	affect	VERB
hassl-3090	114	56	their	their	PRON
hassl-3090	114	57	level	level	NOUN
hassl-3090	114	58	of	of	ADP
hassl-3090	114	59	trust	trust	NOUN
hassl-3090	114	60	towards	towards	ADP
hassl-3090	114	61	banking	banking	NOUN
hassl-3090	114	62	services	service	NOUN
hassl-3090	114	63	.	.	PUNCT
hassl-3090	115	1	the	the	DET
hassl-3090	115	2	responses	response	NOUN
hassl-3090	115	3	were	be	AUX
hassl-3090	115	4	collected	collect	VERB
hassl-3090	115	5	on	on	ADP
hassl-3090	115	6	a	a	DET
hassl-3090	115	7	five	five	NUM
hassl-3090	115	8	-	-	PUNCT
hassl-3090	115	9	point	point	NOUN
hassl-3090	115	10	likert	likert	ADJ
hassl-3090	115	11	scale	scale	NOUN
hassl-3090	115	12	from	from	ADP
hassl-3090	115	13	strongly	strongly	ADV
hassl-3090	115	14	disagree	disagree	VERB
hassl-3090	115	15	to	to	PART
hassl-3090	115	16	strongly	strongly	ADV
hassl-3090	115	17	agree	agree	VERB
hassl-3090	115	18	.	.	PUNCT
hassl-3090	116	1	initially	initially	ADV
hassl-3090	116	2	,	,	PUNCT
hassl-3090	116	3	the	the	DET
hassl-3090	116	4	questionnaire	questionnaire	NOUN
hassl-3090	116	5	was	be	AUX
hassl-3090	116	6	tested	test	VERB
hassl-3090	116	7	by	by	ADP
hassl-3090	116	8	five	five	NUM
hassl-3090	116	9	participants	participant	NOUN
hassl-3090	116	10	from	from	ADP
hassl-3090	116	11	different	different	ADJ
hassl-3090	116	12	banks	bank	NOUN
hassl-3090	116	13	to	to	PART
hassl-3090	116	14	ensure	ensure	VERB
hassl-3090	116	15	the	the	DET
hassl-3090	116	16	validity	validity	NOUN
hassl-3090	116	17	and	and	CCONJ
hassl-3090	116	18	a	a	DET
hassl-3090	116	19	pilot	pilot	NOUN
hassl-3090	116	20	feedback	feedback	NOUN
hassl-3090	116	21	was	be	AUX
hassl-3090	116	22	collected	collect	VERB
hassl-3090	116	23	to	to	PART
hassl-3090	116	24	ensure	ensure	VERB
hassl-3090	116	25	the	the	DET
hassl-3090	116	26	clear	clear	ADJ
hassl-3090	116	27	understanding	understanding	NOUN
hassl-3090	116	28	of	of	ADP
hassl-3090	116	29	the	the	DET
hassl-3090	116	30	questions	question	NOUN
hassl-3090	116	31	by	by	ADP
hassl-3090	116	32	humanities	humanity	NOUN
hassl-3090	116	33	and	and	CCONJ
hassl-3090	116	34	social	social	ADJ
hassl-3090	116	35	sciences	science	NOUN
hassl-3090	116	36	letters	letter	NOUN
hassl-3090	116	37	,	,	PUNCT
hassl-3090	116	38	2022	2022	NUM
hassl-3090	116	39	,	,	PUNCT
hassl-3090	116	40	10(3	10(3	NUM
hassl-3090	116	41	):	):	PUNCT
hassl-3090	116	42	383	383	NUM
hassl-3090	116	43	-	-	SYM
hassl-3090	116	44	393	393	NUM
hassl-3090	116	45	388	388	NUM
hassl-3090	116	46	©	©	PROPN
hassl-3090	116	47	2022	2022	NUM
hassl-3090	116	48	conscientia	conscientia	PROPN
hassl-3090	116	49	beam	beam	PROPN
hassl-3090	116	50	.	.	PUNCT
hassl-3090	117	1	all	all	DET
hassl-3090	117	2	rights	right	NOUN
hassl-3090	117	3	reserved	reserve	VERB
hassl-3090	117	4	.	.	PUNCT
hassl-3090	118	1	participants	participant	NOUN
hassl-3090	118	2	.	.	PUNCT
hassl-3090	119	1	the	the	DET
hassl-3090	119	2	final	final	ADJ
hassl-3090	119	3	sample	sample	NOUN
hassl-3090	119	4	included	include	VERB
hassl-3090	119	5	100	100	NUM
hassl-3090	119	6	employees	employee	NOUN
hassl-3090	119	7	and	and	CCONJ
hassl-3090	119	8	100	100	NUM
hassl-3090	119	9	clients	client	NOUN
hassl-3090	119	10	of	of	ADP
hassl-3090	119	11	different	different	ADJ
hassl-3090	119	12	jordanian	jordanian	ADJ
hassl-3090	119	13	listed	list	VERB
hassl-3090	119	14	banks	bank	NOUN
hassl-3090	119	15	.	.	PUNCT
hassl-3090	120	1	however	however	ADV
hassl-3090	120	2	,	,	PUNCT
hassl-3090	120	3	88	88	NUM
hassl-3090	120	4	employees	employee	NOUN
hassl-3090	120	5	and	and	CCONJ
hassl-3090	120	6	91	91	NUM
hassl-3090	120	7	clients	client	NOUN
hassl-3090	120	8	responded	respond	VERB
hassl-3090	120	9	successfully	successfully	ADV
hassl-3090	120	10	,	,	PUNCT
hassl-3090	120	11	making	make	VERB
hassl-3090	120	12	the	the	DET
hassl-3090	120	13	sample	sample	NOUN
hassl-3090	120	14	size	size	NOUN
hassl-3090	120	15	of	of	ADP
hassl-3090	120	16	179	179	NUM
hassl-3090	120	17	in	in	ADP
hassl-3090	120	18	this	this	DET
hassl-3090	120	19	study	study	NOUN
hassl-3090	120	20	.	.	PUNCT
hassl-3090	121	1	to	to	PART
hassl-3090	121	2	achieve	achieve	VERB
hassl-3090	121	3	the	the	DET
hassl-3090	121	4	study	study	NOUN
hassl-3090	121	5	aims	aim	NOUN
hassl-3090	121	6	and	and	CCONJ
hassl-3090	121	7	objectives	objective	NOUN
hassl-3090	121	8	,	,	PUNCT
hassl-3090	121	9	the	the	DET
hassl-3090	121	10	collected	collect	VERB
hassl-3090	121	11	responses	response	NOUN
hassl-3090	121	12	were	be	AUX
hassl-3090	121	13	analyzed	analyze	VERB
hassl-3090	121	14	through	through	ADP
hassl-3090	121	15	arithmetic	arithmetic	ADJ
hassl-3090	121	16	means	mean	NOUN
hassl-3090	121	17	of	of	ADP
hassl-3090	121	18	the	the	DET
hassl-3090	121	19	responses	response	NOUN
hassl-3090	121	20	.	.	PUNCT
hassl-3090	122	1	this	this	PRON
hassl-3090	122	2	was	be	AUX
hassl-3090	122	3	helpful	helpful	ADJ
hassl-3090	122	4	in	in	ADP
hassl-3090	122	5	interpreting	interpret	VERB
hassl-3090	122	6	the	the	DET
hassl-3090	122	7	perception	perception	NOUN
hassl-3090	122	8	of	of	ADP
hassl-3090	122	9	employees	employee	NOUN
hassl-3090	122	10	and	and	CCONJ
hassl-3090	122	11	clients	client	NOUN
hassl-3090	122	12	towards	towards	ADP
hassl-3090	122	13	the	the	DET
hassl-3090	122	14	adoption	adoption	NOUN
hassl-3090	122	15	of	of	ADP
hassl-3090	122	16	ai	ai	VERB
hassl-3090	122	17	in	in	ADP
hassl-3090	122	18	enhancing	enhance	VERB
hassl-3090	122	19	banking	banking	NOUN
hassl-3090	122	20	services	service	NOUN
hassl-3090	122	21	,	,	PUNCT
hassl-3090	122	22	so	so	SCONJ
hassl-3090	122	23	that	that	SCONJ
hassl-3090	122	24	the	the	DET
hassl-3090	122	25	impact	impact	NOUN
hassl-3090	122	26	of	of	ADP
hassl-3090	122	27	ai	ai	VERB
hassl-3090	122	28	on	on	ADP
hassl-3090	122	29	banking	banking	NOUN
hassl-3090	122	30	sector	sector	NOUN
hassl-3090	122	31	could	could	AUX
hassl-3090	122	32	be	be	AUX
hassl-3090	122	33	highlighted	highlight	VERB
hassl-3090	122	34	.	.	PUNCT
hassl-3090	123	1	in	in	ADP
hassl-3090	123	2	addition	addition	NOUN
hassl-3090	123	3	,	,	PUNCT
hassl-3090	123	4	the	the	DET
hassl-3090	123	5	one	one	NUM
hassl-3090	123	6	sample	sample	NOUN
hassl-3090	123	7	t	t	NOUN
hassl-3090	123	8	-	-	PUNCT
hassl-3090	123	9	test	test	NOUN
hassl-3090	123	10	was	be	AUX
hassl-3090	123	11	also	also	ADV
hassl-3090	123	12	utilized	utilize	VERB
hassl-3090	123	13	in	in	ADP
hassl-3090	123	14	order	order	NOUN
hassl-3090	123	15	to	to	PART
hassl-3090	123	16	check	check	VERB
hassl-3090	123	17	the	the	DET
hassl-3090	123	18	role	role	NOUN
hassl-3090	123	19	of	of	ADP
hassl-3090	123	20	ai	ai	VERB
hassl-3090	123	21	in	in	ADP
hassl-3090	123	22	the	the	DET
hassl-3090	123	23	enhancement	enhancement	NOUN
hassl-3090	123	24	of	of	ADP
hassl-3090	123	25	jordanian	jordanian	ADJ
hassl-3090	123	26	banking	banking	NOUN
hassl-3090	123	27	system	system	NOUN
hassl-3090	123	28	.	.	PUNCT
hassl-3090	124	1	3.2	3.2	NUM
hassl-3090	124	2	.	.	PUNCT
hassl-3090	125	1	hypotheses	hypothese	VERB
hassl-3090	125	2	development	development	NOUN
hassl-3090	125	3	there	there	PRON
hassl-3090	125	4	are	be	VERB
hassl-3090	125	5	numerous	numerous	ADJ
hassl-3090	125	6	studies	study	NOUN
hassl-3090	125	7	conducted	conduct	VERB
hassl-3090	125	8	to	to	PART
hassl-3090	125	9	explore	explore	VERB
hassl-3090	125	10	the	the	DET
hassl-3090	125	11	role	role	NOUN
hassl-3090	125	12	of	of	ADP
hassl-3090	125	13	artificial	artificial	ADJ
hassl-3090	125	14	intelligence	intelligence	NOUN
hassl-3090	125	15	in	in	ADP
hassl-3090	125	16	the	the	DET
hassl-3090	125	17	enhancement	enhancement	NOUN
hassl-3090	125	18	of	of	ADP
hassl-3090	125	19	banking	banking	NOUN
hassl-3090	125	20	system	system	NOUN
hassl-3090	125	21	.	.	PUNCT
hassl-3090	126	1	for	for	ADP
hassl-3090	126	2	instance	instance	NOUN
hassl-3090	126	3	,	,	PUNCT
hassl-3090	126	4	puschmann	puschmann	PROPN
hassl-3090	126	5	(	(	PUNCT
hassl-3090	126	6	2017	2017	NUM
hassl-3090	126	7	)	)	PUNCT
hassl-3090	126	8	argued	argue	VERB
hassl-3090	126	9	that	that	SCONJ
hassl-3090	126	10	information	information	NOUN
hassl-3090	126	11	technology	technology	NOUN
hassl-3090	126	12	exerts	exert	VERB
hassl-3090	126	13	a	a	DET
hassl-3090	126	14	significant	significant	ADJ
hassl-3090	126	15	role	role	NOUN
hassl-3090	126	16	through	through	ADP
hassl-3090	126	17	cutting	cut	VERB
hassl-3090	126	18	business	business	NOUN
hassl-3090	126	19	operating	operating	NOUN
hassl-3090	126	20	costs	cost	NOUN
hassl-3090	126	21	and	and	CCONJ
hassl-3090	126	22	elevating	elevate	VERB
hassl-3090	126	23	organizational	organizational	ADJ
hassl-3090	126	24	efficiency	efficiency	NOUN
hassl-3090	126	25	via	via	ADP
hassl-3090	126	26	the	the	DET
hassl-3090	126	27	automation	automation	NOUN
hassl-3090	126	28	of	of	ADP
hassl-3090	126	29	many	many	ADJ
hassl-3090	126	30	of	of	ADP
hassl-3090	126	31	the	the	DET
hassl-3090	126	32	business	business	NOUN
hassl-3090	126	33	processes	process	NOUN
hassl-3090	126	34	.	.	PUNCT
hassl-3090	127	1	similarly	similarly	ADV
hassl-3090	127	2	,	,	PUNCT
hassl-3090	127	3	fichman	fichman	PROPN
hassl-3090	127	4	et	et	PROPN
hassl-3090	127	5	al	al	PROPN
hassl-3090	127	6	.	.	PROPN
hassl-3090	128	1	(	(	PUNCT
hassl-3090	128	2	2014	2014	NUM
hassl-3090	128	3	)	)	PUNCT
hassl-3090	128	4	indicated	indicate	VERB
hassl-3090	128	5	that	that	SCONJ
hassl-3090	128	6	based	base	VERB
hassl-3090	128	7	on	on	ADP
hassl-3090	128	8	the	the	DET
hassl-3090	128	9	new	new	ADJ
hassl-3090	128	10	prevalent	prevalent	ADJ
hassl-3090	128	11	role	role	NOUN
hassl-3090	128	12	of	of	ADP
hassl-3090	128	13	it	it	PRON
hassl-3090	128	14	,	,	PUNCT
hassl-3090	128	15	organizations	organization	NOUN
hassl-3090	128	16	on	on	ADP
hassl-3090	128	17	the	the	DET
hassl-3090	128	18	whole	whole	NOUN
hassl-3090	128	19	are	be	AUX
hassl-3090	128	20	forced	force	VERB
hassl-3090	128	21	to	to	PART
hassl-3090	128	22	transform	transform	VERB
hassl-3090	128	23	the	the	DET
hassl-3090	128	24	way	way	NOUN
hassl-3090	128	25	they	they	PRON
hassl-3090	128	26	do	do	VERB
hassl-3090	128	27	business	business	NOUN
hassl-3090	128	28	by	by	ADP
hassl-3090	128	29	constructing	construct	VERB
hassl-3090	128	30	and	and	CCONJ
hassl-3090	128	31	adopting	adopt	VERB
hassl-3090	128	32	new	new	ADJ
hassl-3090	128	33	business	business	NOUN
hassl-3090	128	34	models	model	NOUN
hassl-3090	128	35	that	that	PRON
hassl-3090	128	36	are	be	AUX
hassl-3090	128	37	based	base	VERB
hassl-3090	128	38	on	on	ADP
hassl-3090	128	39	the	the	DET
hassl-3090	128	40	adoption	adoption	NOUN
hassl-3090	128	41	and	and	CCONJ
hassl-3090	128	42	implementation	implementation	NOUN
hassl-3090	128	43	of	of	ADP
hassl-3090	128	44	it	it	PRON
hassl-3090	128	45	tools	tool	VERB
hassl-3090	128	46	.	.	PUNCT
hassl-3090	129	1	in	in	ADP
hassl-3090	129	2	the	the	DET
hassl-3090	129	3	same	same	ADJ
hassl-3090	129	4	vein	vein	NOUN
hassl-3090	129	5	,	,	PUNCT
hassl-3090	129	6	esther	esther	NOUN
hassl-3090	129	7	and	and	CCONJ
hassl-3090	129	8	john	john	PROPN
hassl-3090	129	9	(	(	PUNCT
hassl-3090	129	10	2020	2020	NUM
hassl-3090	129	11	)	)	PUNCT
hassl-3090	129	12	proved	prove	VERB
hassl-3090	129	13	that	that	SCONJ
hassl-3090	129	14	ai	ai	AUX
hassl-3090	129	15	based	base	VERB
hassl-3090	129	16	chat	chat	NOUN
hassl-3090	129	17	bots	bot	NOUN
hassl-3090	129	18	are	be	AUX
hassl-3090	129	19	among	among	ADP
hassl-3090	129	20	the	the	DET
hassl-3090	129	21	most	most	ADV
hassl-3090	129	22	popular	popular	ADJ
hassl-3090	129	23	cases	case	NOUN
hassl-3090	129	24	of	of	ADP
hassl-3090	129	25	implementing	implement	VERB
hassl-3090	129	26	ai	ai	VERB
hassl-3090	129	27	in	in	ADP
hassl-3090	129	28	banking	banking	NOUN
hassl-3090	129	29	sector	sector	NOUN
hassl-3090	129	30	that	that	PRON
hassl-3090	129	31	enable	enable	VERB
hassl-3090	129	32	conversational	conversational	ADJ
hassl-3090	129	33	interface	interface	NOUN
hassl-3090	129	34	between	between	ADP
hassl-3090	129	35	customers	customer	NOUN
hassl-3090	129	36	and	and	CCONJ
hassl-3090	129	37	banks	bank	NOUN
hassl-3090	129	38	without	without	ADP
hassl-3090	129	39	requiring	require	VERB
hassl-3090	129	40	huge	huge	ADJ
hassl-3090	129	41	expenses	expense	NOUN
hassl-3090	129	42	.	.	PUNCT
hassl-3090	130	1	in	in	ADP
hassl-3090	130	2	addition	addition	NOUN
hassl-3090	130	3	,	,	PUNCT
hassl-3090	130	4	malali	malali	NOUN
hassl-3090	130	5	and	and	CCONJ
hassl-3090	130	6	gopalakrishnan	gopalakrishnan	NOUN
hassl-3090	130	7	(	(	PUNCT
hassl-3090	130	8	2020	2020	NUM
hassl-3090	130	9	)	)	PUNCT
hassl-3090	130	10	stated	state	VERB
hassl-3090	130	11	that	that	SCONJ
hassl-3090	130	12	ai	ai	VERB
hassl-3090	130	13	based	base	VERB
hassl-3090	130	14	systems	system	NOUN
hassl-3090	130	15	facilitates	facilitate	VERB
hassl-3090	130	16	the	the	DET
hassl-3090	130	17	risk	risk	NOUN
hassl-3090	130	18	management	management	NOUN
hassl-3090	130	19	of	of	ADP
hassl-3090	130	20	loans	loan	NOUN
hassl-3090	130	21	issued	issue	VERB
hassl-3090	130	22	by	by	ADP
hassl-3090	130	23	banks	bank	NOUN
hassl-3090	130	24	,	,	PUNCT
hassl-3090	130	25	because	because	SCONJ
hassl-3090	130	26	such	such	ADJ
hassl-3090	130	27	systems	system	NOUN
hassl-3090	130	28	have	have	VERB
hassl-3090	130	29	the	the	DET
hassl-3090	130	30	ability	ability	NOUN
hassl-3090	130	31	to	to	PART
hassl-3090	130	32	appraise	appraise	VERB
hassl-3090	130	33	credit	credit	NOUN
hassl-3090	130	34	histories	history	NOUN
hassl-3090	130	35	of	of	ADP
hassl-3090	130	36	customers	customer	NOUN
hassl-3090	130	37	more	more	ADV
hassl-3090	130	38	appropriately	appropriately	ADV
hassl-3090	130	39	.	.	PUNCT
hassl-3090	131	1	mobile	mobile	ADJ
hassl-3090	131	2	banking	banking	NOUN
hassl-3090	131	3	apps	app	NOUN
hassl-3090	131	4	analyze	analyze	VERB
hassl-3090	131	5	users	user	NOUN
hassl-3090	131	6	’	’	PART
hassl-3090	131	7	data	datum	NOUN
hassl-3090	131	8	and	and	CCONJ
hassl-3090	131	9	can	can	AUX
hassl-3090	131	10	track	track	VERB
hassl-3090	131	11	financial	financial	ADJ
hassl-3090	131	12	transactions	transaction	NOUN
hassl-3090	131	13	,	,	PUNCT
hassl-3090	131	14	which	which	PRON
hassl-3090	131	15	in	in	ADP
hassl-3090	131	16	turn	turn	NOUN
hassl-3090	131	17	facilitate	facilitate	VERB
hassl-3090	131	18	banks	bank	NOUN
hassl-3090	131	19	regarding	regard	VERB
hassl-3090	131	20	loan	loan	NOUN
hassl-3090	131	21	issuance	issuance	NOUN
hassl-3090	131	22	decisions	decision	NOUN
hassl-3090	131	23	in	in	ADP
hassl-3090	131	24	terms	term	NOUN
hassl-3090	131	25	of	of	ADP
hassl-3090	131	26	any	any	DET
hassl-3090	131	27	threat	threat	NOUN
hassl-3090	131	28	of	of	ADP
hassl-3090	131	29	fraud	fraud	NOUN
hassl-3090	131	30	or	or	CCONJ
hassl-3090	131	31	the	the	DET
hassl-3090	131	32	insolvency	insolvency	NOUN
hassl-3090	131	33	of	of	ADP
hassl-3090	131	34	the	the	DET
hassl-3090	131	35	customers	customer	NOUN
hassl-3090	131	36	.	.	PUNCT
hassl-3090	132	1	however	however	ADV
hassl-3090	132	2	,	,	PUNCT
hassl-3090	132	3	since	since	SCONJ
hassl-3090	132	4	the	the	DET
hassl-3090	132	5	aforementioned	aforementione	VERB
hassl-3090	132	6	as	as	ADV
hassl-3090	132	7	well	well	ADV
hassl-3090	132	8	as	as	ADP
hassl-3090	132	9	the	the	DET
hassl-3090	132	10	critical	critical	ADJ
hassl-3090	132	11	appraisal	appraisal	NOUN
hassl-3090	132	12	of	of	ADP
hassl-3090	132	13	previous	previous	ADJ
hassl-3090	132	14	related	related	ADJ
hassl-3090	132	15	work	work	NOUN
hassl-3090	132	16	revealed	reveal	VERB
hassl-3090	132	17	a	a	DET
hassl-3090	132	18	gap	gap	NOUN
hassl-3090	132	19	regarding	regard	VERB
hassl-3090	132	20	the	the	DET
hassl-3090	132	21	role	role	NOUN
hassl-3090	132	22	of	of	ADP
hassl-3090	132	23	ai	ai	VERB
hassl-3090	132	24	in	in	ADP
hassl-3090	132	25	the	the	DET
hassl-3090	132	26	enhancement	enhancement	NOUN
hassl-3090	132	27	of	of	ADP
hassl-3090	132	28	jordanian	jordanian	ADJ
hassl-3090	132	29	banking	banking	NOUN
hassl-3090	132	30	system	system	NOUN
hassl-3090	132	31	;	;	PUNCT
hassl-3090	132	32	the	the	DET
hassl-3090	132	33	current	current	ADJ
hassl-3090	132	34	study	study	NOUN
hassl-3090	132	35	aimed	aim	VERB
hassl-3090	132	36	at	at	ADP
hassl-3090	132	37	filling	fill	VERB
hassl-3090	132	38	this	this	DET
hassl-3090	132	39	gap	gap	NOUN
hassl-3090	132	40	in	in	ADP
hassl-3090	132	41	literature	literature	NOUN
hassl-3090	132	42	through	through	ADP
hassl-3090	132	43	testing	test	VERB
hassl-3090	132	44	the	the	DET
hassl-3090	132	45	following	follow	VERB
hassl-3090	132	46	main	main	ADJ
hassl-3090	132	47	hypotheses	hypothesis	NOUN
hassl-3090	132	48	,	,	PUNCT
hassl-3090	132	49	which	which	PRON
hassl-3090	132	50	are	be	AUX
hassl-3090	132	51	extracted	extract	VERB
hassl-3090	132	52	by	by	ADP
hassl-3090	132	53	relying	rely	VERB
hassl-3090	132	54	upon	upon	SCONJ
hassl-3090	132	55	the	the	DET
hassl-3090	132	56	gap	gap	NOUN
hassl-3090	132	57	in	in	ADP
hassl-3090	132	58	the	the	DET
hassl-3090	132	59	available	available	ADJ
hassl-3090	132	60	literature	literature	NOUN
hassl-3090	132	61	:	:	PUNCT
hassl-3090	132	62	h01	h01	NOUN
hassl-3090	132	63	:	:	PUNCT
hassl-3090	132	64	the	the	DET
hassl-3090	132	65	artificial	artificial	ADJ
hassl-3090	132	66	intelligence	intelligence	NOUN
hassl-3090	132	67	significantly	significantly	ADV
hassl-3090	132	68	contributes	contribute	VERB
hassl-3090	132	69	to	to	ADP
hassl-3090	132	70	the	the	DET
hassl-3090	132	71	enhancement	enhancement	NOUN
hassl-3090	132	72	of	of	ADP
hassl-3090	132	73	jordanian	jordanian	ADJ
hassl-3090	132	74	banking	banking	NOUN
hassl-3090	132	75	services	service	NOUN
hassl-3090	132	76	industry	industry	NOUN
hassl-3090	132	77	.	.	PUNCT
hassl-3090	133	1	h02	h02	NOUN
hassl-3090	133	2	:	:	PUNCT
hassl-3090	133	3	there	there	PRON
hassl-3090	133	4	are	be	VERB
hassl-3090	133	5	no	no	DET
hassl-3090	133	6	significant	significant	ADJ
hassl-3090	133	7	differences	difference	NOUN
hassl-3090	133	8	between	between	ADP
hassl-3090	133	9	the	the	DET
hassl-3090	133	10	perspectives	perspective	NOUN
hassl-3090	133	11	of	of	ADP
hassl-3090	133	12	employees	employee	NOUN
hassl-3090	133	13	and	and	CCONJ
hassl-3090	133	14	clients	client	NOUN
hassl-3090	133	15	’	’	PART
hassl-3090	133	16	perspectives	perspective	NOUN
hassl-3090	133	17	regarding	regard	VERB
hassl-3090	133	18	the	the	DET
hassl-3090	133	19	role	role	NOUN
hassl-3090	133	20	of	of	ADP
hassl-3090	133	21	ai	ai	VERB
hassl-3090	133	22	in	in	ADP
hassl-3090	133	23	the	the	DET
hassl-3090	133	24	enhancement	enhancement	NOUN
hassl-3090	133	25	of	of	ADP
hassl-3090	133	26	jordanian	jordanian	ADJ
hassl-3090	133	27	banking	banking	NOUN
hassl-3090	133	28	services	service	NOUN
hassl-3090	133	29	industry	industry	NOUN
hassl-3090	133	30	.	.	PUNCT
hassl-3090	134	1	3.3	3.3	NUM
hassl-3090	134	2	.	.	PUNCT
hassl-3090	135	1	conceptual	conceptual	ADJ
hassl-3090	135	2	framework	framework	NOUN
hassl-3090	135	3	figure	figure	NOUN
hassl-3090	135	4	1	1	NUM
hassl-3090	135	5	indicates	indicate	VERB
hassl-3090	135	6	the	the	DET
hassl-3090	135	7	study	study	NOUN
hassl-3090	135	8	’s	’s	PART
hassl-3090	135	9	conceptual	conceptual	ADJ
hassl-3090	135	10	framework	framework	NOUN
hassl-3090	135	11	.	.	PUNCT
hassl-3090	136	1	the	the	DET
hassl-3090	136	2	framework	framework	NOUN
hassl-3090	136	3	indicates	indicate	VERB
hassl-3090	136	4	that	that	SCONJ
hassl-3090	136	5	the	the	DET
hassl-3090	136	6	study	study	NOUN
hassl-3090	136	7	explores	explore	VERB
hassl-3090	136	8	the	the	DET
hassl-3090	136	9	contribution	contribution	NOUN
hassl-3090	136	10	of	of	ADP
hassl-3090	136	11	ai	ai	NOUN
hassl-3090	136	12	towards	towards	ADP
hassl-3090	136	13	the	the	DET
hassl-3090	136	14	enhancement	enhancement	NOUN
hassl-3090	136	15	of	of	ADP
hassl-3090	136	16	banking	banking	NOUN
hassl-3090	136	17	services	service	NOUN
hassl-3090	136	18	industry	industry	NOUN
hassl-3090	136	19	,	,	PUNCT
hassl-3090	136	20	while	while	SCONJ
hassl-3090	136	21	the	the	DET
hassl-3090	136	22	implementation	implementation	NOUN
hassl-3090	136	23	of	of	ADP
hassl-3090	136	24	ai	ai	NOUN
hassl-3090	136	25	is	be	AUX
hassl-3090	136	26	captured	capture	VERB
hassl-3090	136	27	through	through	ADP
hassl-3090	136	28	different	different	ADJ
hassl-3090	136	29	aspects	aspect	NOUN
hassl-3090	136	30	,	,	PUNCT
hassl-3090	136	31	such	such	ADJ
hassl-3090	136	32	as	as	ADP
hassl-3090	136	33	mobile	mobile	ADJ
hassl-3090	136	34	banking	banking	NOUN
hassl-3090	136	35	,	,	PUNCT
hassl-3090	136	36	chat	chat	VERB
hassl-3090	136	37	bots	bot	NOUN
hassl-3090	136	38	,	,	PUNCT
hassl-3090	136	39	data	datum	NOUN
hassl-3090	136	40	collection	collection	NOUN
hassl-3090	136	41	and	and	CCONJ
hassl-3090	136	42	transaction	transaction	NOUN
hassl-3090	136	43	data	datum	NOUN
hassl-3090	136	44	enhancement	enhancement	NOUN
hassl-3090	136	45	.	.	PUNCT
hassl-3090	137	1	on	on	ADP
hassl-3090	137	2	the	the	DET
hassl-3090	137	3	other	other	ADJ
hassl-3090	137	4	hand	hand	NOUN
hassl-3090	137	5	,	,	PUNCT
hassl-3090	137	6	the	the	DET
hassl-3090	137	7	enhancement	enhancement	NOUN
hassl-3090	137	8	of	of	ADP
hassl-3090	137	9	banking	banking	NOUN
hassl-3090	137	10	services	service	NOUN
hassl-3090	137	11	industry	industry	NOUN
hassl-3090	137	12	is	be	AUX
hassl-3090	137	13	captured	capture	VERB
hassl-3090	137	14	in	in	ADP
hassl-3090	137	15	terms	term	NOUN
hassl-3090	137	16	of	of	ADP
hassl-3090	137	17	risk	risk	NOUN
hassl-3090	137	18	management	management	NOUN
hassl-3090	137	19	,	,	PUNCT
hassl-3090	137	20	cost	cost	NOUN
hassl-3090	137	21	reduction	reduction	NOUN
hassl-3090	137	22	,	,	PUNCT
hassl-3090	137	23	client	client	NOUN
hassl-3090	137	24	’s	’s	PART
hassl-3090	137	25	trust	trust	NOUN
hassl-3090	137	26	enhancement	enhancement	NOUN
hassl-3090	137	27	and	and	CCONJ
hassl-3090	137	28	convenience	convenience	NOUN
hassl-3090	137	29	.	.	PUNCT
hassl-3090	138	1	figure	figure	NOUN
hassl-3090	138	2	1	1	NUM
hassl-3090	138	3	.	.	PUNCT
hassl-3090	139	1	the	the	DET
hassl-3090	139	2	study	study	NOUN
hassl-3090	139	3	’s	’s	PART
hassl-3090	139	4	conceptual	conceptual	ADJ
hassl-3090	139	5	framework	framework	NOUN
hassl-3090	139	6	.	.	PUNCT
hassl-3090	140	1	humanities	humanity	NOUN
hassl-3090	140	2	and	and	CCONJ
hassl-3090	140	3	social	social	ADJ
hassl-3090	140	4	sciences	science	NOUN
hassl-3090	140	5	letters	letter	NOUN
hassl-3090	140	6	,	,	PUNCT
hassl-3090	140	7	2022	2022	NUM
hassl-3090	140	8	,	,	PUNCT
hassl-3090	140	9	10(3	10(3	NUM
hassl-3090	140	10	):	):	PUNCT
hassl-3090	140	11	383	383	NUM
hassl-3090	140	12	-	-	SYM
hassl-3090	140	13	393	393	NUM
hassl-3090	140	14	389	389	NUM
hassl-3090	140	15	©	©	PROPN
hassl-3090	140	16	2022	2022	NUM
hassl-3090	140	17	conscientia	conscientia	PROPN
hassl-3090	140	18	beam	beam	PROPN
hassl-3090	140	19	.	.	PUNCT
hassl-3090	141	1	all	all	DET
hassl-3090	141	2	rights	right	NOUN
hassl-3090	141	3	reserved	reserve	VERB
hassl-3090	141	4	.	.	PUNCT
hassl-3090	142	1	3.4	3.4	NUM
hassl-3090	142	2	.	.	PUNCT
hassl-3090	142	3	empirical	empirical	ADJ
hassl-3090	142	4	model	model	NOUN
hassl-3090	142	5	this	this	DET
hassl-3090	142	6	research	research	NOUN
hassl-3090	142	7	work	work	NOUN
hassl-3090	142	8	focuses	focus	VERB
hassl-3090	142	9	on	on	ADP
hassl-3090	142	10	evaluating	evaluate	VERB
hassl-3090	142	11	the	the	DET
hassl-3090	142	12	role	role	NOUN
hassl-3090	142	13	of	of	ADP
hassl-3090	142	14	artificial	artificial	ADJ
hassl-3090	142	15	intelligence	intelligence	NOUN
hassl-3090	142	16	in	in	ADP
hassl-3090	142	17	the	the	DET
hassl-3090	142	18	enhancement	enhancement	NOUN
hassl-3090	142	19	of	of	ADP
hassl-3090	142	20	jordanian	jordanian	ADJ
hassl-3090	142	21	banking	banking	NOUN
hassl-3090	142	22	system	system	NOUN
hassl-3090	142	23	.	.	PUNCT
hassl-3090	143	1	for	for	ADP
hassl-3090	143	2	this	this	DET
hassl-3090	143	3	purpose	purpose	NOUN
hassl-3090	143	4	,	,	PUNCT
hassl-3090	143	5	the	the	DET
hassl-3090	143	6	following	follow	VERB
hassl-3090	143	7	model	model	NOUN
hassl-3090	143	8	was	be	AUX
hassl-3090	143	9	tested	test	VERB
hassl-3090	143	10	:	:	PUNCT
hassl-3090	143	11	𝐸𝐽𝐵𝑆𝐼	𝐸𝐽𝐵𝑆𝐼	PROPN
hassl-3090	143	12	=	=	SYM
hassl-3090	143	13	𝛽0	𝛽0	PROPN
hassl-3090	143	14	+	+	CCONJ
hassl-3090	143	15	𝛽1𝑀𝐵	𝛽1𝑀𝐵	NOUN
hassl-3090	143	16	+	+	CCONJ
hassl-3090	143	17	𝛽2𝐶𝐵𝑠	𝛽2𝐶𝐵𝑠	NUM
hassl-3090	143	18	+	+	CCONJ
hassl-3090	143	19	𝛽3𝐷𝐶	𝛽3𝐷𝐶	PROPN
hassl-3090	143	20	+	+	NUM
hassl-3090	143	21	𝛽4𝑇𝐷𝐸	𝛽4𝑇𝐷𝐸	NOUN
hassl-3090	143	22	+	+	CCONJ
hassl-3090	143	23	е𝑡	е𝑡	VERB
hassl-3090	143	24	where	where	SCONJ
hassl-3090	143	25	,	,	PUNCT
hassl-3090	143	26	𝛽0	𝛽0	PROPN
hassl-3090	143	27	is	be	AUX
hassl-3090	143	28	the	the	DET
hassl-3090	143	29	constant	constant	ADJ
hassl-3090	143	30	term	term	NOUN
hassl-3090	143	31	,	,	PUNCT
hassl-3090	143	32	the	the	DET
hassl-3090	143	33	ejbsi	ejbsi	NOUN
hassl-3090	143	34	is	be	AUX
hassl-3090	143	35	the	the	DET
hassl-3090	143	36	independent	independent	ADJ
hassl-3090	143	37	variable	variable	NOUN
hassl-3090	143	38	that	that	PRON
hassl-3090	143	39	refers	refer	VERB
hassl-3090	143	40	to	to	ADP
hassl-3090	143	41	the	the	DET
hassl-3090	143	42	enhancement	enhancement	NOUN
hassl-3090	143	43	of	of	ADP
hassl-3090	143	44	jordanian	jordanian	ADJ
hassl-3090	143	45	banking	banking	NOUN
hassl-3090	143	46	services	service	NOUN
hassl-3090	143	47	industry	industry	NOUN
hassl-3090	143	48	as	as	SCONJ
hassl-3090	143	49	captured	capture	VERB
hassl-3090	143	50	by	by	ADP
hassl-3090	143	51	banking	banking	NOUN
hassl-3090	143	52	services	service	NOUN
hassl-3090	143	53	like	like	ADP
hassl-3090	143	54	risk	risk	NOUN
hassl-3090	143	55	management	management	NOUN
hassl-3090	143	56	,	,	PUNCT
hassl-3090	143	57	costs	cost	VERB
hassl-3090	143	58	reduction	reduction	NOUN
hassl-3090	143	59	,	,	PUNCT
hassl-3090	143	60	client	client	NOUN
hassl-3090	143	61	’s	’s	PART
hassl-3090	143	62	trust	trust	NOUN
hassl-3090	143	63	enhancement	enhancement	NOUN
hassl-3090	143	64	and	and	CCONJ
hassl-3090	143	65	convenience	convenience	NOUN
hassl-3090	143	66	.	.	PUNCT
hassl-3090	144	1	the	the	DET
hassl-3090	144	2	mb	mb	NOUN
hassl-3090	144	3	relates	relate	VERB
hassl-3090	144	4	to	to	ADP
hassl-3090	144	5	the	the	DET
hassl-3090	144	6	mobile	mobile	ADJ
hassl-3090	144	7	banking	banking	NOUN
hassl-3090	144	8	,	,	PUNCT
hassl-3090	144	9	cbs	cbs	PROPN
hassl-3090	144	10	is	be	AUX
hassl-3090	144	11	the	the	DET
hassl-3090	144	12	chat	chat	PROPN
hassl-3090	144	13	bots	bot	NOUN
hassl-3090	144	14	,	,	PUNCT
hassl-3090	144	15	dc	dc	PROPN
hassl-3090	144	16	is	be	AUX
hassl-3090	144	17	the	the	DET
hassl-3090	144	18	data	data	NOUN
hassl-3090	144	19	collection	collection	NOUN
hassl-3090	144	20	and	and	CCONJ
hassl-3090	144	21	the	the	DET
hassl-3090	144	22	tde	tde	PROPN
hassl-3090	144	23	refers	refer	VERB
hassl-3090	144	24	to	to	ADP
hassl-3090	144	25	the	the	DET
hassl-3090	144	26	transaction	transaction	NOUN
hassl-3090	144	27	data	datum	NOUN
hassl-3090	144	28	enhancement	enhancement	NOUN
hassl-3090	144	29	as	as	ADP
hassl-3090	144	30	main	main	ADJ
hassl-3090	144	31	measures	measure	NOUN
hassl-3090	144	32	for	for	ADP
hassl-3090	144	33	artificial	artificial	ADJ
hassl-3090	144	34	intelligence	intelligence	NOUN
hassl-3090	144	35	.	.	PUNCT
hassl-3090	145	1	𝛽1	𝛽1	NOUN
hassl-3090	145	2	:	:	PUNCT
hassl-3090	145	3	𝛽4	𝛽4	PROPN
hassl-3090	145	4	are	be	AUX
hassl-3090	145	5	the	the	DET
hassl-3090	145	6	regression	regression	NOUN
hassl-3090	145	7	coefficients	coefficient	NOUN
hassl-3090	145	8	to	to	PART
hassl-3090	145	9	be	be	AUX
hassl-3090	145	10	tested	test	VERB
hassl-3090	145	11	,	,	PUNCT
hassl-3090	145	12	and	and	CCONJ
hassl-3090	145	13	the	the	DET
hassl-3090	145	14	е𝑡	е𝑡	NOUN
hassl-3090	145	15	relates	relate	VERB
hassl-3090	145	16	to	to	ADP
hassl-3090	145	17	the	the	DET
hassl-3090	145	18	error	error	NOUN
hassl-3090	145	19	term	term	NOUN
hassl-3090	145	20	.	.	PUNCT
hassl-3090	146	1	4	4	X
hassl-3090	146	2	.	.	NUM
hassl-3090	146	3	findings	finding	NOUN
hassl-3090	146	4	and	and	CCONJ
hassl-3090	146	5	discussion	discussion	NOUN
hassl-3090	146	6	the	the	DET
hassl-3090	146	7	responses	response	NOUN
hassl-3090	146	8	,	,	PUNCT
hassl-3090	146	9	which	which	PRON
hassl-3090	146	10	are	be	AUX
hassl-3090	146	11	collected	collect	VERB
hassl-3090	146	12	from	from	ADP
hassl-3090	146	13	respondents	respondent	NOUN
hassl-3090	146	14	(	(	PUNCT
hassl-3090	146	15	employees	employee	NOUN
hassl-3090	146	16	/	/	SYM
hassl-3090	146	17	clients	client	NOUN
hassl-3090	146	18	)	)	PUNCT
hassl-3090	146	19	are	be	AUX
hassl-3090	146	20	organized	organize	VERB
hassl-3090	146	21	into	into	ADP
hassl-3090	146	22	different	different	ADJ
hassl-3090	146	23	sections	section	NOUN
hassl-3090	146	24	i.e.	i.e.	ADV
hassl-3090	146	25	indicating	indicate	VERB
hassl-3090	146	26	the	the	DET
hassl-3090	146	27	role	role	NOUN
hassl-3090	146	28	of	of	ADP
hassl-3090	146	29	different	different	ADJ
hassl-3090	146	30	aspects	aspect	NOUN
hassl-3090	146	31	of	of	ADP
hassl-3090	146	32	ai	ai	ADJ
hassl-3090	146	33	implementation	implementation	NOUN
hassl-3090	146	34	on	on	ADP
hassl-3090	146	35	banking	banking	NOUN
hassl-3090	146	36	services	service	NOUN
hassl-3090	146	37	in	in	ADP
hassl-3090	146	38	different	different	ADJ
hassl-3090	146	39	ways	way	NOUN
hassl-3090	146	40	according	accord	VERB
hassl-3090	146	41	to	to	ADP
hassl-3090	146	42	employees	employee	NOUN
hassl-3090	146	43	’	'	PUNCT
hassl-3090	146	44	and	and	CCONJ
hassl-3090	146	45	clients	client	NOUN
hassl-3090	146	46	’	’	PART
hassl-3090	146	47	perspectives	perspective	NOUN
hassl-3090	146	48	.	.	PUNCT
hassl-3090	147	1	the	the	DET
hassl-3090	147	2	results	result	NOUN
hassl-3090	147	3	are	be	AUX
hassl-3090	147	4	presented	present	VERB
hassl-3090	147	5	in	in	ADP
hassl-3090	147	6	the	the	DET
hassl-3090	147	7	following	follow	VERB
hassl-3090	147	8	sub	sub	NOUN
hassl-3090	147	9	sections	section	NOUN
hassl-3090	147	10	.	.	PUNCT
hassl-3090	148	1	4.1	4.1	NUM
hassl-3090	148	2	.	.	PUNCT
hassl-3090	148	3	descriptive	descriptive	ADJ
hassl-3090	148	4	tests	test	NOUN
hassl-3090	148	5	this	this	DET
hassl-3090	148	6	section	section	NOUN
hassl-3090	148	7	demonstrates	demonstrate	VERB
hassl-3090	148	8	the	the	DET
hassl-3090	148	9	arithmetic	arithmetic	ADJ
hassl-3090	148	10	means	mean	NOUN
hassl-3090	148	11	and	and	CCONJ
hassl-3090	148	12	standard	standard	ADJ
hassl-3090	148	13	deviations	deviation	NOUN
hassl-3090	148	14	for	for	ADP
hassl-3090	148	15	the	the	DET
hassl-3090	148	16	responses	response	NOUN
hassl-3090	148	17	of	of	ADP
hassl-3090	148	18	banks	bank	NOUN
hassl-3090	148	19	’	’	PART
hassl-3090	148	20	employees	employee	NOUN
hassl-3090	148	21	and	and	CCONJ
hassl-3090	148	22	clients	client	NOUN
hassl-3090	148	23	regarding	regard	VERB
hassl-3090	148	24	the	the	DET
hassl-3090	148	25	role	role	NOUN
hassl-3090	148	26	of	of	ADP
hassl-3090	148	27	ai	ai	VERB
hassl-3090	148	28	’s	’s	PART
hassl-3090	148	29	measures	measure	NOUN
hassl-3090	148	30	in	in	ADP
hassl-3090	148	31	the	the	DET
hassl-3090	148	32	enhancement	enhancement	NOUN
hassl-3090	148	33	of	of	ADP
hassl-3090	148	34	banking	banking	NOUN
hassl-3090	148	35	services	service	NOUN
hassl-3090	148	36	industry	industry	NOUN
hassl-3090	148	37	.	.	PUNCT
hassl-3090	149	1	table	table	NOUN
hassl-3090	149	2	1	1	NUM
hassl-3090	149	3	.	.	PUNCT
hassl-3090	149	4	mobile	mobile	ADJ
hassl-3090	149	5	banking	banking	NOUN
hassl-3090	149	6	.	.	PUNCT
hassl-3090	150	1	viewpoint	viewpoint	NOUN
hassl-3090	150	2	statement	statement	NOUN
hassl-3090	150	3	am	be	AUX
hassl-3090	150	4	sd	sd	ADP
hassl-3090	150	5	employees	employee	NOUN
hassl-3090	150	6	’	’	PART
hassl-3090	150	7	perspective	perspective	PROPN
hassl-3090	150	8	mobile	mobile	ADJ
hassl-3090	150	9	banking	banking	NOUN
hassl-3090	150	10	services	service	NOUN
hassl-3090	150	11	are	be	AUX
hassl-3090	150	12	cheaper	cheap	ADJ
hassl-3090	150	13	than	than	ADP
hassl-3090	150	14	traditional	traditional	ADJ
hassl-3090	150	15	banking	banking	NOUN
hassl-3090	150	16	services	service	NOUN
hassl-3090	150	17	3.98	3.98	NUM
hassl-3090	150	18	0.16	0.16	NUM
hassl-3090	150	19	mobile	mobile	ADJ
hassl-3090	150	20	banking	banking	NOUN
hassl-3090	150	21	services	service	NOUN
hassl-3090	150	22	have	have	AUX
hassl-3090	150	23	shed	shed	VERB
hassl-3090	150	24	the	the	DET
hassl-3090	150	25	load	load	NOUN
hassl-3090	150	26	of	of	ADP
hassl-3090	150	27	customers	customer	NOUN
hassl-3090	150	28	from	from	ADP
hassl-3090	150	29	physical	physical	ADJ
hassl-3090	150	30	branches	branch	NOUN
hassl-3090	150	31	.	.	PUNCT
hassl-3090	151	1	4.67	4.67	NUM
hassl-3090	151	2	0.27	0.27	NUM
hassl-3090	151	3	mobile	mobile	ADJ
hassl-3090	151	4	banking	banking	NOUN
hassl-3090	151	5	services	service	NOUN
hassl-3090	151	6	have	have	AUX
hassl-3090	151	7	shed	shed	VERB
hassl-3090	151	8	the	the	DET
hassl-3090	151	9	load	load	NOUN
hassl-3090	151	10	of	of	ADP
hassl-3090	151	11	customers	customer	NOUN
hassl-3090	151	12	,	,	PUNCT
hassl-3090	151	13	which	which	PRON
hassl-3090	151	14	helps	help	VERB
hassl-3090	151	15	cost	cost	NOUN
hassl-3090	151	16	reduction	reduction	NOUN
hassl-3090	151	17	as	as	ADV
hassl-3090	151	18	well	well	ADV
hassl-3090	151	19	.	.	PUNCT
hassl-3090	152	1	4.13	4.13	NUM
hassl-3090	152	2	0.16	0.16	NUM
hassl-3090	152	3	clients	client	NOUN
hassl-3090	152	4	’	’	PART
hassl-3090	152	5	perspective	perspective	ADJ
hassl-3090	152	6	mobile	mobile	ADJ
hassl-3090	152	7	banking	banking	NOUN
hassl-3090	152	8	services	service	NOUN
hassl-3090	152	9	are	be	AUX
hassl-3090	152	10	more	more	ADV
hassl-3090	152	11	convenient	convenient	ADJ
hassl-3090	152	12	than	than	ADP
hassl-3090	152	13	traditional	traditional	ADJ
hassl-3090	152	14	banking	banking	NOUN
hassl-3090	152	15	services	service	NOUN
hassl-3090	152	16	4.57	4.57	NUM
hassl-3090	152	17	0.23	0.23	NUM
hassl-3090	152	18	mobile	mobile	ADJ
hassl-3090	152	19	banking	banking	NOUN
hassl-3090	152	20	services	service	NOUN
hassl-3090	152	21	are	be	AUX
hassl-3090	152	22	cheaper	cheap	ADJ
hassl-3090	152	23	than	than	ADP
hassl-3090	152	24	traditional	traditional	ADJ
hassl-3090	152	25	banking	banking	NOUN
hassl-3090	152	26	services	service	NOUN
hassl-3090	152	27	,	,	PUNCT
hassl-3090	152	28	because	because	SCONJ
hassl-3090	152	29	it	it	PRON
hassl-3090	152	30	saves	save	VERB
hassl-3090	152	31	time	time	NOUN
hassl-3090	152	32	and	and	CCONJ
hassl-3090	152	33	expense	expense	NOUN
hassl-3090	152	34	.	.	PUNCT
hassl-3090	153	1	4.68	4.68	NUM
hassl-3090	153	2	0.11	0.11	NUM
hassl-3090	153	3	mobile	mobile	ADJ
hassl-3090	153	4	banking	banking	NOUN
hassl-3090	153	5	services	service	NOUN
hassl-3090	153	6	have	have	AUX
hassl-3090	153	7	enhanced	enhance	VERB
hassl-3090	153	8	my	my	PRON
hassl-3090	153	9	trust	trust	NOUN
hassl-3090	153	10	on	on	ADP
hassl-3090	153	11	banking	banking	NOUN
hassl-3090	153	12	services	service	NOUN
hassl-3090	153	13	.	.	PUNCT
hassl-3090	154	1	4.23	4.23	NUM
hassl-3090	154	2	0.31	0.31	NUM
hassl-3090	154	3	i	i	PRON
hassl-3090	154	4	feel	feel	VERB
hassl-3090	154	5	more	more	ADV
hassl-3090	154	6	reliable	reliable	ADJ
hassl-3090	154	7	while	while	SCONJ
hassl-3090	154	8	making	make	VERB
hassl-3090	154	9	transactions	transaction	NOUN
hassl-3090	154	10	through	through	ADP
hassl-3090	154	11	mobile	mobile	ADJ
hassl-3090	154	12	banking	banking	NOUN
hassl-3090	154	13	services	service	NOUN
hassl-3090	154	14	.	.	PUNCT
hassl-3090	155	1	4.28	4.28	NUM
hassl-3090	155	2	0.29	0.29	NUM
hassl-3090	155	3	am=	am=	PROPN
hassl-3090	155	4	arithmetic	arithmetic	ADJ
hassl-3090	155	5	mean	mean	NOUN
hassl-3090	155	6	,	,	PUNCT
hassl-3090	155	7	sd=	sd=	NOUN
hassl-3090	155	8	standard	standard	ADJ
hassl-3090	155	9	deviation	deviation	NOUN
hassl-3090	155	10	table	table	NOUN
hassl-3090	155	11	1	1	NUM
hassl-3090	155	12	indicates	indicate	VERB
hassl-3090	155	13	the	the	DET
hassl-3090	155	14	role	role	NOUN
hassl-3090	155	15	of	of	ADP
hassl-3090	155	16	mobile	mobile	ADJ
hassl-3090	155	17	banking	banking	NOUN
hassl-3090	155	18	services	service	NOUN
hassl-3090	155	19	in	in	ADP
hassl-3090	155	20	enhancing	enhance	VERB
hassl-3090	155	21	traditional	traditional	ADJ
hassl-3090	155	22	banking	banking	NOUN
hassl-3090	155	23	services	service	NOUN
hassl-3090	155	24	through	through	ADP
hassl-3090	155	25	employees	employee	NOUN
hassl-3090	155	26	’	'	PUNCT
hassl-3090	155	27	and	and	CCONJ
hassl-3090	155	28	clients	client	NOUN
hassl-3090	155	29	’	’	PART
hassl-3090	155	30	services	service	NOUN
hassl-3090	155	31	.	.	PUNCT
hassl-3090	156	1	as	as	SCONJ
hassl-3090	156	2	the	the	DET
hassl-3090	156	3	arithmetic	arithmetic	ADJ
hassl-3090	156	4	means	mean	NOUN
hassl-3090	156	5	of	of	ADP
hassl-3090	156	6	almost	almost	ADV
hassl-3090	156	7	all	all	DET
hassl-3090	156	8	the	the	DET
hassl-3090	156	9	statements	statement	NOUN
hassl-3090	156	10	are	be	AUX
hassl-3090	156	11	around	around	ADV
hassl-3090	156	12	4	4	NUM
hassl-3090	156	13	so	so	ADV
hassl-3090	156	14	it	it	PRON
hassl-3090	156	15	seems	seem	VERB
hassl-3090	156	16	there	there	PRON
hassl-3090	156	17	exists	exist	VERB
hassl-3090	156	18	a	a	DET
hassl-3090	156	19	level	level	NOUN
hassl-3090	156	20	of	of	ADP
hassl-3090	156	21	agreement	agreement	NOUN
hassl-3090	156	22	for	for	ADP
hassl-3090	156	23	statements	statement	NOUN
hassl-3090	156	24	between	between	ADP
hassl-3090	156	25	employees	employee	NOUN
hassl-3090	156	26	and	and	CCONJ
hassl-3090	156	27	clients	client	NOUN
hassl-3090	156	28	.	.	PUNCT
hassl-3090	157	1	according	accord	VERB
hassl-3090	157	2	to	to	ADP
hassl-3090	157	3	bank	bank	NOUN
hassl-3090	157	4	employees	employee	NOUN
hassl-3090	157	5	,	,	PUNCT
hassl-3090	157	6	mobile	mobile	ADJ
hassl-3090	157	7	banking	banking	NOUN
hassl-3090	157	8	services	service	NOUN
hassl-3090	157	9	are	be	AUX
hassl-3090	157	10	cheaper	cheap	ADJ
hassl-3090	157	11	than	than	ADP
hassl-3090	157	12	the	the	DET
hassl-3090	157	13	traditional	traditional	ADJ
hassl-3090	157	14	banking	banking	NOUN
hassl-3090	157	15	services	service	NOUN
hassl-3090	157	16	as	as	ADV
hassl-3090	157	17	well	well	ADV
hassl-3090	157	18	as	as	SCONJ
hassl-3090	157	19	they	they	PRON
hassl-3090	157	20	help	help	VERB
hassl-3090	157	21	reducing	reduce	VERB
hassl-3090	157	22	the	the	DET
hassl-3090	157	23	load	load	NOUN
hassl-3090	157	24	of	of	ADP
hassl-3090	157	25	customer	customer	NOUN
hassl-3090	157	26	visits	visit	NOUN
hassl-3090	157	27	to	to	ADP
hassl-3090	157	28	physical	physical	ADJ
hassl-3090	157	29	branches	branch	NOUN
hassl-3090	157	30	and	and	CCONJ
hassl-3090	157	31	eliminating	eliminate	VERB
hassl-3090	157	32	cost	cost	NOUN
hassl-3090	157	33	as	as	ADV
hassl-3090	157	34	well	well	ADV
hassl-3090	157	35	.	.	PUNCT
hassl-3090	158	1	likewise	likewise	ADV
hassl-3090	158	2	,	,	PUNCT
hassl-3090	158	3	the	the	DET
hassl-3090	158	4	bank	bank	NOUN
hassl-3090	158	5	clients	client	NOUN
hassl-3090	158	6	believed	believe	VERB
hassl-3090	158	7	that	that	SCONJ
hassl-3090	158	8	mobile	mobile	ADJ
hassl-3090	158	9	banking	banking	NOUN
hassl-3090	158	10	services	service	NOUN
hassl-3090	158	11	are	be	AUX
hassl-3090	158	12	convenient	convenient	ADJ
hassl-3090	158	13	as	as	SCONJ
hassl-3090	158	14	they	they	PRON
hassl-3090	158	15	save	save	VERB
hassl-3090	158	16	time	time	NOUN
hassl-3090	158	17	and	and	CCONJ
hassl-3090	158	18	expense	expense	NOUN
hassl-3090	158	19	of	of	ADP
hassl-3090	158	20	customers	customer	NOUN
hassl-3090	158	21	that	that	PRON
hassl-3090	158	22	was	be	AUX
hassl-3090	158	23	spent	spend	VERB
hassl-3090	158	24	by	by	ADP
hassl-3090	158	25	physically	physically	ADV
hassl-3090	158	26	visiting	visit	VERB
hassl-3090	158	27	the	the	DET
hassl-3090	158	28	bank	bank	NOUN
hassl-3090	158	29	branches	branch	NOUN
hassl-3090	158	30	for	for	ADP
hassl-3090	158	31	making	make	VERB
hassl-3090	158	32	transactions	transaction	NOUN
hassl-3090	158	33	,	,	PUNCT
hassl-3090	158	34	but	but	CCONJ
hassl-3090	158	35	now	now	ADV
hassl-3090	158	36	they	they	PRON
hassl-3090	158	37	not	not	PART
hassl-3090	158	38	only	only	ADV
hassl-3090	158	39	feel	feel	VERB
hassl-3090	158	40	easy	easy	ADJ
hassl-3090	158	41	but	but	CCONJ
hassl-3090	158	42	also	also	ADV
hassl-3090	158	43	find	find	VERB
hassl-3090	158	44	these	these	DET
hassl-3090	158	45	services	service	NOUN
hassl-3090	158	46	as	as	ADP
hassl-3090	158	47	reliable	reliable	ADJ
hassl-3090	158	48	ones	one	NOUN
hassl-3090	158	49	.	.	PUNCT
hassl-3090	159	1	mobile	mobile	ADJ
hassl-3090	159	2	banking	banking	NOUN
hassl-3090	159	3	also	also	ADV
hassl-3090	159	4	enhanced	enhance	VERB
hassl-3090	159	5	the	the	DET
hassl-3090	159	6	level	level	NOUN
hassl-3090	159	7	of	of	ADP
hassl-3090	159	8	trust	trust	NOUN
hassl-3090	159	9	of	of	ADP
hassl-3090	159	10	customers	customer	NOUN
hassl-3090	159	11	towards	towards	ADP
hassl-3090	159	12	banking	banking	NOUN
hassl-3090	159	13	services	service	NOUN
hassl-3090	159	14	offered	offer	VERB
hassl-3090	159	15	by	by	ADP
hassl-3090	159	16	their	their	PRON
hassl-3090	159	17	banks	bank	NOUN
hassl-3090	159	18	.	.	PUNCT
hassl-3090	160	1	the	the	DET
hassl-3090	160	2	findings	finding	NOUN
hassl-3090	160	3	thus	thus	ADV
hassl-3090	160	4	overall	overall	ADV
hassl-3090	160	5	indicated	indicate	VERB
hassl-3090	160	6	that	that	SCONJ
hassl-3090	160	7	mobile	mobile	ADJ
hassl-3090	160	8	banking	banking	NOUN
hassl-3090	160	9	services	service	NOUN
hassl-3090	160	10	contributed	contribute	VERB
hassl-3090	160	11	to	to	ADP
hassl-3090	160	12	enhancing	enhance	VERB
hassl-3090	160	13	traditional	traditional	ADJ
hassl-3090	160	14	banking	banking	NOUN
hassl-3090	160	15	services	service	NOUN
hassl-3090	160	16	through	through	ADP
hassl-3090	160	17	convenience	convenience	NOUN
hassl-3090	160	18	,	,	PUNCT
hassl-3090	160	19	cost	cost	NOUN
hassl-3090	160	20	reduction	reduction	NOUN
hassl-3090	160	21	and	and	CCONJ
hassl-3090	160	22	enhancing	enhance	VERB
hassl-3090	160	23	clients	client	NOUN
hassl-3090	160	24	’	'	PUNCT
hassl-3090	160	25	trust	trust	NOUN
hassl-3090	160	26	.	.	PUNCT
hassl-3090	161	1	table	table	NOUN
hassl-3090	161	2	2	2	NUM
hassl-3090	161	3	incorporates	incorporate	VERB
hassl-3090	161	4	the	the	DET
hassl-3090	161	5	statements	statement	NOUN
hassl-3090	161	6	asked	ask	VERB
hassl-3090	161	7	from	from	ADP
hassl-3090	161	8	bank	bank	NOUN
hassl-3090	161	9	employees	employee	NOUN
hassl-3090	161	10	regarding	regard	VERB
hassl-3090	161	11	the	the	DET
hassl-3090	161	12	implementation	implementation	NOUN
hassl-3090	161	13	of	of	ADP
hassl-3090	161	14	ai	ai	NOUN
hassl-3090	161	15	in	in	ADP
hassl-3090	161	16	data	data	NOUN
hassl-3090	161	17	collection	collection	NOUN
hassl-3090	161	18	of	of	ADP
hassl-3090	161	19	employees	employee	NOUN
hassl-3090	161	20	and	and	CCONJ
hassl-3090	161	21	how	how	SCONJ
hassl-3090	161	22	it	it	PRON
hassl-3090	161	23	contributes	contribute	VERB
hassl-3090	161	24	in	in	ADP
hassl-3090	161	25	enhancing	enhance	VERB
hassl-3090	161	26	banking	banking	NOUN
hassl-3090	161	27	services	service	NOUN
hassl-3090	161	28	.	.	PUNCT
hassl-3090	162	1	the	the	DET
hassl-3090	162	2	arithmetic	arithmetic	ADJ
hassl-3090	162	3	means	mean	NOUN
hassl-3090	162	4	of	of	ADP
hassl-3090	162	5	the	the	DET
hassl-3090	162	6	statements	statement	NOUN
hassl-3090	162	7	are	be	AUX
hassl-3090	162	8	around	around	ADV
hassl-3090	162	9	(	(	PUNCT
hassl-3090	162	10	4	4	NUM
hassl-3090	162	11	)	)	PUNCT
hassl-3090	162	12	so	so	ADV
hassl-3090	162	13	according	accord	VERB
hassl-3090	162	14	to	to	ADP
hassl-3090	162	15	the	the	DET
hassl-3090	162	16	bank	bank	NOUN
hassl-3090	162	17	employees	employee	NOUN
hassl-3090	162	18	the	the	DET
hassl-3090	162	19	ai	ai	NOUN
hassl-3090	162	20	based	base	VERB
hassl-3090	162	21	data	data	NOUN
hassl-3090	162	22	collection	collection	NOUN
hassl-3090	162	23	system	system	NOUN
hassl-3090	162	24	is	be	AUX
hassl-3090	162	25	more	more	ADV
hassl-3090	162	26	accurate	accurate	ADJ
hassl-3090	162	27	and	and	CCONJ
hassl-3090	162	28	reliable	reliable	ADJ
hassl-3090	162	29	as	as	ADP
hassl-3090	162	30	compared	compare	VERB
hassl-3090	162	31	to	to	ADP
hassl-3090	162	32	the	the	DET
hassl-3090	162	33	traditional	traditional	ADJ
hassl-3090	162	34	data	data	NOUN
hassl-3090	162	35	collection	collection	NOUN
hassl-3090	162	36	systems	system	NOUN
hassl-3090	162	37	.	.	PUNCT
hassl-3090	163	1	the	the	DET
hassl-3090	163	2	data	datum	NOUN
hassl-3090	163	3	also	also	ADV
hassl-3090	163	4	revealed	reveal	VERB
hassl-3090	163	5	that	that	SCONJ
hassl-3090	163	6	the	the	DET
hassl-3090	163	7	new	new	ADJ
hassl-3090	163	8	system	system	NOUN
hassl-3090	163	9	humanities	humanity	NOUN
hassl-3090	163	10	and	and	CCONJ
hassl-3090	163	11	social	social	ADJ
hassl-3090	163	12	sciences	science	NOUN
hassl-3090	163	13	letters	letter	NOUN
hassl-3090	163	14	,	,	PUNCT
hassl-3090	163	15	2022	2022	NUM
hassl-3090	163	16	,	,	PUNCT
hassl-3090	163	17	10(3	10(3	NUM
hassl-3090	163	18	):	):	PUNCT
hassl-3090	163	19	383	383	NUM
hassl-3090	163	20	-	-	SYM
hassl-3090	163	21	393	393	NUM
hassl-3090	163	22	390	390	NUM
hassl-3090	163	23	©	©	PROPN
hassl-3090	163	24	2022	2022	NUM
hassl-3090	163	25	conscientia	conscientia	PROPN
hassl-3090	163	26	beam	beam	PROPN
hassl-3090	163	27	.	.	PUNCT
hassl-3090	164	1	all	all	DET
hassl-3090	164	2	rights	right	NOUN
hassl-3090	164	3	reserved	reserve	VERB
hassl-3090	164	4	.	.	PUNCT
hassl-3090	164	5	helped	help	VERB
hassl-3090	164	6	eliminating	eliminate	VERB
hassl-3090	164	7	the	the	DET
hassl-3090	164	8	manual	manual	ADJ
hassl-3090	164	9	tasks	task	NOUN
hassl-3090	164	10	performed	perform	VERB
hassl-3090	164	11	by	by	ADP
hassl-3090	164	12	employees	employee	NOUN
hassl-3090	164	13	at	at	ADP
hassl-3090	164	14	different	different	ADJ
hassl-3090	164	15	levels	level	NOUN
hassl-3090	164	16	so	so	SCONJ
hassl-3090	164	17	it	it	PRON
hassl-3090	164	18	also	also	ADV
hassl-3090	164	19	helped	help	VERB
hassl-3090	164	20	eliminating	eliminate	VERB
hassl-3090	164	21	the	the	DET
hassl-3090	164	22	associated	associated	ADJ
hassl-3090	164	23	costs	cost	NOUN
hassl-3090	164	24	.	.	PUNCT
hassl-3090	165	1	moreover	moreover	ADV
hassl-3090	165	2	,	,	PUNCT
hassl-3090	165	3	the	the	DET
hassl-3090	165	4	ai	ai	NOUN
hassl-3090	165	5	based	base	VERB
hassl-3090	165	6	data	data	NOUN
hassl-3090	165	7	collection	collection	NOUN
hassl-3090	165	8	system	system	NOUN
hassl-3090	165	9	,	,	PUNCT
hassl-3090	165	10	by	by	ADP
hassl-3090	165	11	providing	provide	VERB
hassl-3090	165	12	extensive	extensive	ADJ
hassl-3090	165	13	information	information	NOUN
hassl-3090	165	14	about	about	ADP
hassl-3090	165	15	clients	client	NOUN
hassl-3090	165	16	,	,	PUNCT
hassl-3090	165	17	helped	help	VERB
hassl-3090	165	18	making	make	VERB
hassl-3090	165	19	effective	effective	ADJ
hassl-3090	165	20	credit	credit	NOUN
hassl-3090	165	21	and	and	CCONJ
hassl-3090	165	22	loan	loan	NOUN
hassl-3090	165	23	decisions	decision	NOUN
hassl-3090	165	24	so	so	SCONJ
hassl-3090	165	25	it	it	PRON
hassl-3090	165	26	contributed	contribute	VERB
hassl-3090	165	27	in	in	ADP
hassl-3090	165	28	risk	risk	NOUN
hassl-3090	165	29	management	management	NOUN
hassl-3090	165	30	of	of	ADP
hassl-3090	165	31	the	the	DET
hassl-3090	165	32	banks	bank	NOUN
hassl-3090	165	33	.	.	PUNCT
hassl-3090	166	1	the	the	DET
hassl-3090	166	2	findings	finding	NOUN
hassl-3090	166	3	therefore	therefore	ADV
hassl-3090	166	4	indicate	indicate	VERB
hassl-3090	166	5	that	that	SCONJ
hassl-3090	166	6	ai	ai	VERB
hassl-3090	166	7	based	base	VERB
hassl-3090	166	8	data	data	NOUN
hassl-3090	166	9	collection	collection	NOUN
hassl-3090	166	10	systems	system	NOUN
hassl-3090	166	11	contribute	contribute	VERB
hassl-3090	166	12	to	to	ADP
hassl-3090	166	13	enhancing	enhance	VERB
hassl-3090	166	14	traditional	traditional	ADJ
hassl-3090	166	15	banking	banking	NOUN
hassl-3090	166	16	services	service	NOUN
hassl-3090	166	17	through	through	ADP
hassl-3090	166	18	cost	cost	NOUN
hassl-3090	166	19	reduction	reduction	NOUN
hassl-3090	166	20	and	and	CCONJ
hassl-3090	166	21	risk	risk	NOUN
hassl-3090	166	22	management	management	NOUN
hassl-3090	166	23	.	.	PUNCT
hassl-3090	167	1	table	table	NOUN
hassl-3090	167	2	2	2	NUM
hassl-3090	167	3	.	.	PUNCT
hassl-3090	167	4	data	datum	NOUN
hassl-3090	167	5	collection	collection	PROPN
hassl-3090	167	6	.	.	PUNCT
hassl-3090	168	1	viewpoint	viewpoint	NOUN
hassl-3090	168	2	statement	statement	NOUN
hassl-3090	168	3	am	be	AUX
hassl-3090	168	4	sd	sd	ADP
hassl-3090	168	5	employees	employee	NOUN
hassl-3090	168	6	’	’	PART
hassl-3090	168	7	perspective	perspective	NOUN
hassl-3090	168	8	ai	ai	VERB
hassl-3090	168	9	based	base	VERB
hassl-3090	168	10	data	data	NOUN
hassl-3090	168	11	collection	collection	NOUN
hassl-3090	168	12	system	system	NOUN
hassl-3090	168	13	is	be	AUX
hassl-3090	168	14	more	more	ADV
hassl-3090	168	15	accurate	accurate	ADJ
hassl-3090	168	16	and	and	CCONJ
hassl-3090	168	17	reliable	reliable	ADJ
hassl-3090	168	18	3.97	3.97	NUM
hassl-3090	168	19	0.19	0.19	NUM
hassl-3090	168	20	ai	ai	NOUN
hassl-3090	168	21	based	base	VERB
hassl-3090	168	22	data	data	NOUN
hassl-3090	168	23	collection	collection	NOUN
hassl-3090	168	24	system	system	NOUN
hassl-3090	168	25	helps	help	VERB
hassl-3090	168	26	making	make	VERB
hassl-3090	168	27	effective	effective	ADJ
hassl-3090	168	28	decisions	decision	NOUN
hassl-3090	168	29	about	about	ADP
hassl-3090	168	30	loans	loan	NOUN
hassl-3090	168	31	and	and	CCONJ
hassl-3090	168	32	credit	credit	NOUN
hassl-3090	168	33	allocation	allocation	NOUN
hassl-3090	168	34	to	to	ADP
hassl-3090	168	35	clients	client	NOUN
hassl-3090	168	36	.	.	PUNCT
hassl-3090	169	1	4.58	4.58	NUM
hassl-3090	169	2	0.27	0.27	NUM
hassl-3090	169	3	ai	ai	NOUN
hassl-3090	169	4	based	base	VERB
hassl-3090	169	5	data	data	NOUN
hassl-3090	169	6	collection	collection	NOUN
hassl-3090	169	7	system	system	NOUN
hassl-3090	169	8	contributes	contribute	VERB
hassl-3090	169	9	in	in	ADP
hassl-3090	169	10	risk	risk	NOUN
hassl-3090	169	11	management	management	NOUN
hassl-3090	169	12	of	of	ADP
hassl-3090	169	13	banking	banking	NOUN
hassl-3090	169	14	operations	operation	NOUN
hassl-3090	169	15	.	.	PUNCT
hassl-3090	170	1	4.17	4.17	NUM
hassl-3090	170	2	0.29	0.29	NUM
hassl-3090	170	3	ai	ai	VERB
hassl-3090	170	4	based	base	VERB
hassl-3090	170	5	data	data	NOUN
hassl-3090	170	6	collection	collection	NOUN
hassl-3090	170	7	system	system	NOUN
hassl-3090	170	8	eliminates	eliminate	VERB
hassl-3090	170	9	extensive	extensive	ADJ
hassl-3090	170	10	manual	manual	ADJ
hassl-3090	170	11	works	work	NOUN
hassl-3090	170	12	so	so	ADV
hassl-3090	170	13	helps	help	VERB
hassl-3090	170	14	eliminating	eliminate	VERB
hassl-3090	170	15	relevant	relevant	ADJ
hassl-3090	170	16	costs	cost	NOUN
hassl-3090	170	17	as	as	ADV
hassl-3090	170	18	well	well	ADV
hassl-3090	170	19	.	.	PUNCT
hassl-3090	171	1	4.25	4.25	NUM
hassl-3090	171	2	0.32	0.32	NUM
hassl-3090	171	3	am=	am=	PROPN
hassl-3090	171	4	arithmetic	arithmetic	ADJ
hassl-3090	171	5	mean	mean	NOUN
hassl-3090	171	6	,	,	PUNCT
hassl-3090	171	7	sd=	sd=	NOUN
hassl-3090	171	8	standard	standard	ADJ
hassl-3090	171	9	deviation	deviation	NOUN
hassl-3090	171	10	table	table	NOUN
hassl-3090	171	11	3	3	NUM
hassl-3090	171	12	.	.	PUNCT
hassl-3090	171	13	transaction	transaction	NOUN
hassl-3090	171	14	data	datum	NOUN
hassl-3090	171	15	enhancement	enhancement	NOUN
hassl-3090	171	16	.	.	PUNCT
hassl-3090	172	1	viewpoint	viewpoint	NOUN
hassl-3090	172	2	statement	statement	NOUN
hassl-3090	172	3	am	be	AUX
hassl-3090	172	4	sd	sd	SCONJ
hassl-3090	172	5	employees	employee	NOUN
hassl-3090	172	6	’	’	PART
hassl-3090	172	7	perspective	perspective	PROPN
hassl-3090	172	8	transaction	transaction	NOUN
hassl-3090	172	9	data	datum	NOUN
hassl-3090	172	10	enhancement	enhancement	NOUN
hassl-3090	172	11	has	have	AUX
hassl-3090	172	12	shed	shed	VERB
hassl-3090	172	13	the	the	DET
hassl-3090	172	14	load	load	NOUN
hassl-3090	172	15	of	of	ADP
hassl-3090	172	16	customers	customer	NOUN
hassl-3090	172	17	from	from	ADP
hassl-3090	172	18	physical	physical	ADJ
hassl-3090	172	19	branches	branch	NOUN
hassl-3090	172	20	.	.	PUNCT
hassl-3090	173	1	3.79	3.79	NUM
hassl-3090	173	2	0.36	0.36	NUM
hassl-3090	173	3	transaction	transaction	NOUN
hassl-3090	173	4	data	datum	NOUN
hassl-3090	173	5	enhancement	enhancement	NOUN
hassl-3090	173	6	has	have	AUX
hassl-3090	173	7	shed	shed	VERB
hassl-3090	173	8	the	the	DET
hassl-3090	173	9	load	load	NOUN
hassl-3090	173	10	of	of	ADP
hassl-3090	173	11	customers	customer	NOUN
hassl-3090	173	12	,	,	PUNCT
hassl-3090	173	13	which	which	PRON
hassl-3090	173	14	helps	help	VERB
hassl-3090	173	15	cost	cost	NOUN
hassl-3090	173	16	reduction	reduction	NOUN
hassl-3090	173	17	as	as	ADV
hassl-3090	173	18	well	well	ADV
hassl-3090	173	19	.	.	PUNCT
hassl-3090	174	1	3.93	3.93	NUM
hassl-3090	174	2	0.32	0.32	NUM
hassl-3090	174	3	transaction	transaction	NOUN
hassl-3090	174	4	data	datum	NOUN
hassl-3090	174	5	enhancement	enhancement	NOUN
hassl-3090	174	6	contributes	contribute	VERB
hassl-3090	174	7	in	in	ADP
hassl-3090	174	8	risk	risk	NOUN
hassl-3090	174	9	management	management	NOUN
hassl-3090	174	10	of	of	ADP
hassl-3090	174	11	banking	banking	NOUN
hassl-3090	174	12	transactions	transaction	NOUN
hassl-3090	174	13	.	.	PUNCT
hassl-3090	175	1	4.37	4.37	NUM
hassl-3090	175	2	0.27	0.27	NUM
hassl-3090	175	3	clients	client	NOUN
hassl-3090	175	4	’	’	PART
hassl-3090	175	5	perspective	perspective	NOUN
hassl-3090	175	6	transaction	transaction	NOUN
hassl-3090	175	7	data	datum	NOUN
hassl-3090	175	8	enhancement	enhancement	NOUN
hassl-3090	175	9	has	have	AUX
hassl-3090	175	10	made	make	VERB
hassl-3090	175	11	the	the	DET
hassl-3090	175	12	understanding	understanding	NOUN
hassl-3090	175	13	of	of	ADP
hassl-3090	175	14	banking	banking	NOUN
hassl-3090	175	15	services	service	NOUN
hassl-3090	175	16	quite	quite	ADV
hassl-3090	175	17	easier	easy	ADJ
hassl-3090	175	18	.	.	PUNCT
hassl-3090	176	1	4.28	4.28	NUM
hassl-3090	176	2	0.29	0.29	NUM
hassl-3090	176	3	transaction	transaction	NOUN
hassl-3090	176	4	data	datum	NOUN
hassl-3090	176	5	enhancement	enhancement	NOUN
hassl-3090	176	6	has	have	AUX
hassl-3090	176	7	eliminated	eliminate	VERB
hassl-3090	176	8	my	my	PRON
hassl-3090	176	9	visits	visit	NOUN
hassl-3090	176	10	to	to	ADP
hassl-3090	176	11	the	the	DET
hassl-3090	176	12	bank	bank	NOUN
hassl-3090	176	13	branches	branch	NOUN
hassl-3090	176	14	.	.	PUNCT
hassl-3090	177	1	4.19	4.19	NUM
hassl-3090	177	2	0.18	0.18	NUM
hassl-3090	177	3	transaction	transaction	NOUN
hassl-3090	177	4	data	datum	NOUN
hassl-3090	177	5	enhancement	enhancement	NOUN
hassl-3090	177	6	has	have	AUX
hassl-3090	177	7	enhanced	enhance	VERB
hassl-3090	177	8	my	my	PRON
hassl-3090	177	9	trust	trust	NOUN
hassl-3090	177	10	on	on	ADP
hassl-3090	177	11	banking	banking	NOUN
hassl-3090	177	12	services	service	NOUN
hassl-3090	177	13	as	as	SCONJ
hassl-3090	177	14	i	i	PRON
hassl-3090	177	15	am	be	AUX
hassl-3090	177	16	able	able	ADJ
hassl-3090	177	17	to	to	PART
hassl-3090	177	18	understand	understand	VERB
hassl-3090	177	19	my	my	PRON
hassl-3090	177	20	transactions	transaction	NOUN
hassl-3090	177	21	easily	easily	ADV
hassl-3090	177	22	.	.	PUNCT
hassl-3090	178	1	4.53	4.53	NUM
hassl-3090	178	2	0.24	0.24	NUM
hassl-3090	178	3	am=	am=	ADJ
hassl-3090	178	4	arithmetic	arithmetic	ADJ
hassl-3090	178	5	mean	mean	NOUN
hassl-3090	178	6	,	,	PUNCT
hassl-3090	178	7	sd=	sd=	NOUN
hassl-3090	178	8	standard	standard	ADJ
hassl-3090	178	9	deviation	deviation	NOUN
hassl-3090	178	10	table	table	NOUN
hassl-3090	178	11	3	3	NUM
hassl-3090	178	12	indicates	indicate	VERB
hassl-3090	178	13	the	the	DET
hassl-3090	178	14	contribution	contribution	NOUN
hassl-3090	178	15	of	of	ADP
hassl-3090	178	16	ai	ai	PROPN
hassl-3090	178	17	based	base	VERB
hassl-3090	178	18	transaction	transaction	NOUN
hassl-3090	178	19	data	datum	NOUN
hassl-3090	178	20	enhancement	enhancement	NOUN
hassl-3090	178	21	and	and	CCONJ
hassl-3090	178	22	its	its	PRON
hassl-3090	178	23	contribution	contribution	NOUN
hassl-3090	178	24	in	in	ADP
hassl-3090	178	25	enhancing	enhance	VERB
hassl-3090	178	26	banking	banking	NOUN
hassl-3090	178	27	services	service	NOUN
hassl-3090	178	28	through	through	ADP
hassl-3090	178	29	employees	employee	NOUN
hassl-3090	178	30	’	'	PUNCT
hassl-3090	178	31	and	and	CCONJ
hassl-3090	178	32	clients	client	NOUN
hassl-3090	178	33	’	’	PART
hassl-3090	178	34	perspective	perspective	NOUN
hassl-3090	178	35	.	.	PUNCT
hassl-3090	179	1	arithmetic	arithmetic	ADJ
hassl-3090	179	2	means	mean	NOUN
hassl-3090	179	3	for	for	ADP
hassl-3090	179	4	employees	employee	NOUN
hassl-3090	179	5	’	'	PUNCT
hassl-3090	179	6	perspective	perspective	NOUN
hassl-3090	179	7	are	be	AUX
hassl-3090	179	8	around	around	ADV
hassl-3090	179	9	4	4	NUM
hassl-3090	179	10	while	while	NOUN
hassl-3090	179	11	for	for	SCONJ
hassl-3090	179	12	clients	client	NOUN
hassl-3090	179	13	’	'	PUNCT
hassl-3090	179	14	responses	response	NOUN
hassl-3090	179	15	are	be	AUX
hassl-3090	179	16	more	more	ADJ
hassl-3090	179	17	than	than	ADP
hassl-3090	179	18	4	4	NUM
hassl-3090	179	19	.	.	PUNCT
hassl-3090	180	1	according	accord	VERB
hassl-3090	180	2	to	to	ADP
hassl-3090	180	3	the	the	DET
hassl-3090	180	4	bank	bank	NOUN
hassl-3090	180	5	employees	employee	NOUN
hassl-3090	180	6	,	,	PUNCT
hassl-3090	180	7	transaction	transaction	NOUN
hassl-3090	180	8	data	datum	NOUN
hassl-3090	180	9	enhancement	enhancement	NOUN
hassl-3090	180	10	enabled	enable	VERB
hassl-3090	180	11	clients	client	NOUN
hassl-3090	180	12	to	to	PART
hassl-3090	180	13	understand	understand	VERB
hassl-3090	180	14	their	their	PRON
hassl-3090	180	15	transaction	transaction	NOUN
hassl-3090	180	16	related	relate	VERB
hassl-3090	180	17	information	information	NOUN
hassl-3090	180	18	by	by	ADP
hassl-3090	180	19	themselves	themselves	PRON
hassl-3090	180	20	so	so	SCONJ
hassl-3090	180	21	it	it	PRON
hassl-3090	180	22	not	not	PART
hassl-3090	180	23	only	only	ADV
hassl-3090	180	24	eliminated	eliminate	VERB
hassl-3090	180	25	the	the	DET
hassl-3090	180	26	burden	burden	NOUN
hassl-3090	180	27	from	from	ADP
hassl-3090	180	28	physical	physical	ADJ
hassl-3090	180	29	branches	branch	NOUN
hassl-3090	180	30	but	but	CCONJ
hassl-3090	180	31	also	also	ADV
hassl-3090	180	32	contributed	contribute	VERB
hassl-3090	180	33	to	to	ADP
hassl-3090	180	34	eliminating	eliminate	VERB
hassl-3090	180	35	associated	associated	ADJ
hassl-3090	180	36	costs	cost	NOUN
hassl-3090	180	37	and	and	CCONJ
hassl-3090	180	38	risk	risk	NOUN
hassl-3090	180	39	management	management	NOUN
hassl-3090	180	40	.	.	PUNCT
hassl-3090	181	1	similarly	similarly	ADV
hassl-3090	181	2	,	,	PUNCT
hassl-3090	181	3	clients	client	NOUN
hassl-3090	181	4	agreed	agree	VERB
hassl-3090	181	5	that	that	SCONJ
hassl-3090	181	6	transaction	transaction	NOUN
hassl-3090	181	7	data	datum	NOUN
hassl-3090	181	8	enhancement	enhancement	NOUN
hassl-3090	181	9	not	not	PART
hassl-3090	181	10	only	only	ADV
hassl-3090	181	11	enabled	enable	VERB
hassl-3090	181	12	them	they	PRON
hassl-3090	181	13	to	to	PART
hassl-3090	181	14	understand	understand	VERB
hassl-3090	181	15	their	their	PRON
hassl-3090	181	16	transactions	transaction	NOUN
hassl-3090	181	17	but	but	CCONJ
hassl-3090	181	18	also	also	ADV
hassl-3090	181	19	eliminated	eliminate	VERB
hassl-3090	181	20	their	their	PRON
hassl-3090	181	21	visits	visit	NOUN
hassl-3090	181	22	to	to	ADP
hassl-3090	181	23	the	the	DET
hassl-3090	181	24	physical	physical	ADJ
hassl-3090	181	25	branches	branch	NOUN
hassl-3090	181	26	.	.	PUNCT
hassl-3090	182	1	it	it	PRON
hassl-3090	182	2	also	also	ADV
hassl-3090	182	3	helped	help	VERB
hassl-3090	182	4	them	they	PRON
hassl-3090	182	5	enhancing	enhance	VERB
hassl-3090	182	6	their	their	PRON
hassl-3090	182	7	trust	trust	NOUN
hassl-3090	182	8	towards	towards	ADP
hassl-3090	182	9	banking	banking	NOUN
hassl-3090	182	10	services	service	NOUN
hassl-3090	182	11	as	as	SCONJ
hassl-3090	182	12	they	they	PRON
hassl-3090	182	13	were	be	AUX
hassl-3090	182	14	now	now	ADV
hassl-3090	182	15	able	able	ADJ
hassl-3090	182	16	to	to	PART
hassl-3090	182	17	understand	understand	VERB
hassl-3090	182	18	banking	banking	NOUN
hassl-3090	182	19	transactions	transaction	NOUN
hassl-3090	182	20	quite	quite	ADV
hassl-3090	182	21	easily	easily	ADV
hassl-3090	182	22	.	.	PUNCT
hassl-3090	183	1	the	the	DET
hassl-3090	183	2	findings	finding	NOUN
hassl-3090	183	3	therefore	therefore	ADV
hassl-3090	183	4	indicate	indicate	VERB
hassl-3090	183	5	that	that	SCONJ
hassl-3090	183	6	transaction	transaction	NOUN
hassl-3090	183	7	data	datum	NOUN
hassl-3090	183	8	enhancement	enhancement	NOUN
hassl-3090	183	9	contributes	contribute	VERB
hassl-3090	183	10	towards	towards	ADP
hassl-3090	183	11	banking	banking	NOUN
hassl-3090	183	12	services	service	NOUN
hassl-3090	183	13	’	'	PUNCT
hassl-3090	183	14	convenience	convenience	NOUN
hassl-3090	183	15	,	,	PUNCT
hassl-3090	183	16	cost	cost	NOUN
hassl-3090	183	17	reduction	reduction	NOUN
hassl-3090	183	18	,	,	PUNCT
hassl-3090	183	19	risk	risk	NOUN
hassl-3090	183	20	management	management	NOUN
hassl-3090	183	21	and	and	CCONJ
hassl-3090	183	22	enhancing	enhance	VERB
hassl-3090	183	23	clients	client	NOUN
hassl-3090	183	24	’	'	PUNCT
hassl-3090	183	25	trust	trust	NOUN
hassl-3090	183	26	.	.	PUNCT
hassl-3090	184	1	table	table	NOUN
hassl-3090	184	2	4	4	NUM
hassl-3090	184	3	.	.	PUNCT
hassl-3090	185	1	chat	chat	VERB
hassl-3090	185	2	bots	bot	NOUN
hassl-3090	185	3	.	.	PUNCT
hassl-3090	186	1	viewpoint	viewpoint	NOUN
hassl-3090	186	2	statement	statement	NOUN
hassl-3090	186	3	am	be	AUX
hassl-3090	186	4	sd	sd	ADP
hassl-3090	186	5	employees	employee	NOUN
hassl-3090	186	6	’	'	PUNCT
hassl-3090	186	7	perspective	perspective	NOUN
hassl-3090	186	8	chat	chat	NOUN
hassl-3090	186	9	bots	bot	NOUN
hassl-3090	186	10	have	have	AUX
hassl-3090	186	11	shed	shed	VERB
hassl-3090	186	12	the	the	DET
hassl-3090	186	13	load	load	NOUN
hassl-3090	186	14	of	of	ADP
hassl-3090	186	15	customers	customer	NOUN
hassl-3090	186	16	from	from	ADP
hassl-3090	186	17	physical	physical	ADJ
hassl-3090	186	18	branches	branch	NOUN
hassl-3090	186	19	.	.	PUNCT
hassl-3090	187	1	3.84	3.84	NUM
hassl-3090	187	2	0.37	0.37	NUM
hassl-3090	187	3	chat	chat	NOUN
hassl-3090	187	4	bots	bot	NOUN
hassl-3090	187	5	have	have	AUX
hassl-3090	187	6	shed	shed	VERB
hassl-3090	187	7	the	the	DET
hassl-3090	187	8	load	load	NOUN
hassl-3090	187	9	of	of	ADP
hassl-3090	187	10	customers	customer	NOUN
hassl-3090	187	11	,	,	PUNCT
hassl-3090	187	12	which	which	PRON
hassl-3090	187	13	helps	help	VERB
hassl-3090	187	14	cost	cost	NOUN
hassl-3090	187	15	reduction	reduction	NOUN
hassl-3090	187	16	as	as	ADV
hassl-3090	187	17	well	well	ADV
hassl-3090	187	18	.	.	PUNCT
hassl-3090	188	1	3.98	3.98	NUM
hassl-3090	188	2	0.32	0.32	NUM
hassl-3090	188	3	clients	client	NOUN
hassl-3090	188	4	’	'	PUNCT
hassl-3090	188	5	perspective	perspective	NOUN
hassl-3090	188	6	chat	chat	NOUN
hassl-3090	188	7	bots	bot	NOUN
hassl-3090	188	8	are	be	AUX
hassl-3090	188	9	the	the	DET
hassl-3090	188	10	convenient	convenient	ADJ
hassl-3090	188	11	way	way	NOUN
hassl-3090	188	12	to	to	PART
hassl-3090	188	13	get	get	VERB
hassl-3090	188	14	in	in	ADP
hassl-3090	188	15	touch	touch	NOUN
hassl-3090	188	16	with	with	ADP
hassl-3090	188	17	my	my	PRON
hassl-3090	188	18	bank	bank	NOUN
hassl-3090	188	19	4.82	4.82	NUM
hassl-3090	188	20	0.15	0.15	NUM
hassl-3090	188	21	chat	chat	NOUN
hassl-3090	188	22	bots	bot	NOUN
hassl-3090	188	23	are	be	AUX
hassl-3090	188	24	the	the	DET
hassl-3090	188	25	convenient	convenient	ADJ
hassl-3090	188	26	way	way	NOUN
hassl-3090	188	27	to	to	PART
hassl-3090	188	28	get	get	VERB
hassl-3090	188	29	my	my	PRON
hassl-3090	188	30	questions	question	NOUN
hassl-3090	188	31	answered	answer	VERB
hassl-3090	188	32	whenever	whenever	SCONJ
hassl-3090	188	33	i	i	PRON
hassl-3090	188	34	need	need	VERB
hassl-3090	188	35	it	it	PRON
hassl-3090	188	36	.	.	PUNCT
hassl-3090	189	1	4.74	4.74	NUM
hassl-3090	189	2	0.19	0.19	NUM
hassl-3090	189	3	chat	chat	NOUN
hassl-3090	189	4	bots	bot	NOUN
hassl-3090	189	5	have	have	AUX
hassl-3090	189	6	eliminated	eliminate	VERB
hassl-3090	189	7	my	my	PRON
hassl-3090	189	8	visits	visit	NOUN
hassl-3090	189	9	to	to	ADP
hassl-3090	189	10	the	the	DET
hassl-3090	189	11	bank	bank	NOUN
hassl-3090	189	12	branches	branch	NOUN
hassl-3090	189	13	.	.	PUNCT
hassl-3090	190	1	3.95	3.95	NUM
hassl-3090	190	2	0.35	0.35	NUM
hassl-3090	190	3	am=	am=	PROPN
hassl-3090	190	4	arithmetic	arithmetic	ADJ
hassl-3090	190	5	mean	mean	NOUN
hassl-3090	190	6	,	,	PUNCT
hassl-3090	190	7	sd=	sd=	NOUN
hassl-3090	190	8	standard	standard	ADJ
hassl-3090	190	9	deviation	deviation	NOUN
hassl-3090	190	10	humanities	humanity	NOUN
hassl-3090	190	11	and	and	CCONJ
hassl-3090	190	12	social	social	ADJ
hassl-3090	190	13	sciences	science	NOUN
hassl-3090	190	14	letters	letter	NOUN
hassl-3090	190	15	,	,	PUNCT
hassl-3090	190	16	2022	2022	NUM
hassl-3090	190	17	,	,	PUNCT
hassl-3090	190	18	10(3	10(3	NUM
hassl-3090	190	19	):	):	PUNCT
hassl-3090	190	20	383	383	NUM
hassl-3090	190	21	-	-	SYM
hassl-3090	190	22	393	393	NUM
hassl-3090	190	23	391	391	NUM
hassl-3090	190	24	©	©	PROPN
hassl-3090	190	25	2022	2022	NUM
hassl-3090	190	26	conscientia	conscientia	PROPN
hassl-3090	190	27	beam	beam	PROPN
hassl-3090	190	28	.	.	PUNCT
hassl-3090	191	1	all	all	DET
hassl-3090	191	2	rights	right	NOUN
hassl-3090	191	3	reserved	reserve	VERB
hassl-3090	191	4	.	.	PUNCT
hassl-3090	192	1	table	table	NOUN
hassl-3090	192	2	4	4	NUM
hassl-3090	192	3	indicates	indicate	VERB
hassl-3090	192	4	the	the	DET
hassl-3090	192	5	contribution	contribution	NOUN
hassl-3090	192	6	of	of	ADP
hassl-3090	192	7	chat	chat	NOUN
hassl-3090	192	8	bots	bot	NOUN
hassl-3090	192	9	towards	towards	ADP
hassl-3090	192	10	enhancing	enhance	VERB
hassl-3090	192	11	banking	banking	NOUN
hassl-3090	192	12	services	service	NOUN
hassl-3090	192	13	and	and	CCONJ
hassl-3090	192	14	shows	show	VERB
hassl-3090	192	15	that	that	SCONJ
hassl-3090	192	16	bank	bank	NOUN
hassl-3090	192	17	employees	employee	NOUN
hassl-3090	192	18	believe	believe	VERB
hassl-3090	192	19	that	that	SCONJ
hassl-3090	192	20	the	the	DET
hassl-3090	192	21	chat	chat	NOUN
hassl-3090	192	22	bots	bot	NOUN
hassl-3090	192	23	have	have	AUX
hassl-3090	192	24	eliminated	eliminate	VERB
hassl-3090	192	25	the	the	DET
hassl-3090	192	26	burden	burden	NOUN
hassl-3090	192	27	of	of	ADP
hassl-3090	192	28	clients	client	NOUN
hassl-3090	192	29	’	'	PUNCT
hassl-3090	192	30	physical	physical	ADJ
hassl-3090	192	31	visits	visit	NOUN
hassl-3090	192	32	to	to	ADP
hassl-3090	192	33	branches	branch	NOUN
hassl-3090	192	34	,	,	PUNCT
hassl-3090	192	35	as	as	SCONJ
hassl-3090	192	36	a	a	DET
hassl-3090	192	37	result	result	NOUN
hassl-3090	192	38	associated	associated	ADJ
hassl-3090	192	39	cost	cost	NOUN
hassl-3090	192	40	has	have	AUX
hassl-3090	192	41	also	also	ADV
hassl-3090	192	42	been	be	AUX
hassl-3090	192	43	eliminated	eliminate	VERB
hassl-3090	192	44	.	.	PUNCT
hassl-3090	193	1	while	while	SCONJ
hassl-3090	193	2	,	,	PUNCT
hassl-3090	193	3	clients	client	NOUN
hassl-3090	193	4	indicate	indicate	VERB
hassl-3090	193	5	that	that	SCONJ
hassl-3090	193	6	they	they	PRON
hassl-3090	193	7	get	get	VERB
hassl-3090	193	8	most	most	ADJ
hassl-3090	193	9	of	of	ADP
hassl-3090	193	10	their	their	PRON
hassl-3090	193	11	questions	question	NOUN
hassl-3090	193	12	answered	answer	VERB
hassl-3090	193	13	through	through	ADP
hassl-3090	193	14	chat	chat	NOUN
hassl-3090	193	15	bots	bot	NOUN
hassl-3090	193	16	which	which	PRON
hassl-3090	193	17	has	have	AUX
hassl-3090	193	18	also	also	ADV
hassl-3090	193	19	eliminated	eliminate	VERB
hassl-3090	193	20	their	their	PRON
hassl-3090	193	21	frequent	frequent	ADJ
hassl-3090	193	22	visits	visit	NOUN
hassl-3090	193	23	to	to	ADP
hassl-3090	193	24	the	the	DET
hassl-3090	193	25	physical	physical	ADJ
hassl-3090	193	26	branches	branch	NOUN
hassl-3090	193	27	.	.	PUNCT
hassl-3090	194	1	hence	hence	ADV
hassl-3090	194	2	,	,	PUNCT
hassl-3090	194	3	these	these	DET
hassl-3090	194	4	chat	chat	VERB
hassl-3090	194	5	bots	bot	NOUN
hassl-3090	194	6	contribute	contribute	VERB
hassl-3090	194	7	in	in	ADP
hassl-3090	194	8	eliminating	eliminate	VERB
hassl-3090	194	9	cost	cost	NOUN
hassl-3090	194	10	reduction	reduction	NOUN
hassl-3090	194	11	for	for	ADP
hassl-3090	194	12	bank	bank	NOUN
hassl-3090	194	13	,	,	PUNCT
hassl-3090	194	14	while	while	SCONJ
hassl-3090	194	15	providing	provide	VERB
hassl-3090	194	16	convenience	convenience	NOUN
hassl-3090	194	17	to	to	ADP
hassl-3090	194	18	the	the	DET
hassl-3090	194	19	clients	client	NOUN
hassl-3090	194	20	.	.	PUNCT
hassl-3090	195	1	the	the	DET
hassl-3090	195	2	findings	finding	NOUN
hassl-3090	195	3	of	of	ADP
hassl-3090	195	4	the	the	DET
hassl-3090	195	5	study	study	NOUN
hassl-3090	195	6	also	also	ADV
hassl-3090	195	7	indicate	indicate	VERB
hassl-3090	195	8	that	that	SCONJ
hassl-3090	195	9	the	the	DET
hassl-3090	195	10	implementation	implementation	NOUN
hassl-3090	195	11	of	of	ADP
hassl-3090	195	12	artificial	artificial	ADJ
hassl-3090	195	13	intelligence	intelligence	NOUN
hassl-3090	195	14	in	in	ADP
hassl-3090	195	15	different	different	ADJ
hassl-3090	195	16	aspects	aspect	NOUN
hassl-3090	195	17	in	in	ADP
hassl-3090	195	18	banking	banking	NOUN
hassl-3090	195	19	services	service	NOUN
hassl-3090	195	20	contributes	contribute	VERB
hassl-3090	195	21	well	well	ADV
hassl-3090	195	22	in	in	ADP
hassl-3090	195	23	enhancing	enhance	VERB
hassl-3090	195	24	traditional	traditional	ADJ
hassl-3090	195	25	banking	banking	NOUN
hassl-3090	195	26	services	service	NOUN
hassl-3090	195	27	offered	offer	VERB
hassl-3090	195	28	by	by	ADP
hassl-3090	195	29	the	the	DET
hassl-3090	195	30	banks	bank	NOUN
hassl-3090	195	31	.	.	PUNCT
hassl-3090	196	1	therefore	therefore	ADV
hassl-3090	196	2	,	,	PUNCT
hassl-3090	196	3	banks	bank	NOUN
hassl-3090	196	4	should	should	AUX
hassl-3090	196	5	focus	focus	VERB
hassl-3090	196	6	on	on	ADP
hassl-3090	196	7	adoption	adoption	NOUN
hassl-3090	196	8	,	,	PUNCT
hassl-3090	196	9	implementation	implementation	NOUN
hassl-3090	196	10	and	and	CCONJ
hassl-3090	196	11	up	up	ADP
hassl-3090	196	12	gradation	gradation	NOUN
hassl-3090	196	13	of	of	ADP
hassl-3090	196	14	their	their	PRON
hassl-3090	196	15	operations	operation	NOUN
hassl-3090	196	16	and	and	CCONJ
hassl-3090	196	17	services	service	NOUN
hassl-3090	196	18	through	through	ADP
hassl-3090	196	19	artificial	artificial	ADJ
hassl-3090	196	20	intelligence	intelligence	NOUN
hassl-3090	196	21	.	.	PUNCT
hassl-3090	197	1	4.2	4.2	NUM
hassl-3090	197	2	.	.	PUNCT
hassl-3090	197	3	results	result	NOUN
hassl-3090	197	4	from	from	ADP
hassl-3090	197	5	one	one	NUM
hassl-3090	197	6	-	-	PUNCT
hassl-3090	197	7	sample	sample	NOUN
hassl-3090	197	8	t	t	NOUN
hassl-3090	197	9	-	-	PUNCT
hassl-3090	197	10	test	test	NOUN
hassl-3090	197	11	this	this	DET
hassl-3090	197	12	test	test	NOUN
hassl-3090	197	13	was	be	AUX
hassl-3090	197	14	mainly	mainly	ADV
hassl-3090	197	15	implemented	implement	VERB
hassl-3090	197	16	to	to	PART
hassl-3090	197	17	evaluate	evaluate	VERB
hassl-3090	197	18	the	the	DET
hassl-3090	197	19	impact	impact	NOUN
hassl-3090	197	20	of	of	ADP
hassl-3090	197	21	ai	ai	VERB
hassl-3090	197	22	in	in	ADP
hassl-3090	197	23	the	the	DET
hassl-3090	197	24	enhancement	enhancement	NOUN
hassl-3090	197	25	of	of	ADP
hassl-3090	197	26	jordanian	jordanian	ADJ
hassl-3090	197	27	banking	banking	NOUN
hassl-3090	197	28	system	system	NOUN
hassl-3090	197	29	.	.	PUNCT
hassl-3090	198	1	table	table	NOUN
hassl-3090	198	2	5	5	NUM
hassl-3090	198	3	exhibits	exhibit	VERB
hassl-3090	198	4	statistics	statistic	NOUN
hassl-3090	198	5	regarding	regard	VERB
hassl-3090	198	6	the	the	DET
hassl-3090	198	7	role	role	NOUN
hassl-3090	198	8	of	of	ADP
hassl-3090	198	9	ai	ai	VERB
hassl-3090	198	10	’s	’s	PART
hassl-3090	198	11	measures	measure	NOUN
hassl-3090	198	12	including	include	VERB
hassl-3090	198	13	mb	mb	NOUN
hassl-3090	198	14	,	,	PUNCT
hassl-3090	198	15	cb	cb	PROPN
hassl-3090	198	16	,	,	PUNCT
hassl-3090	198	17	dc	dc	PROPN
hassl-3090	198	18	and	and	CCONJ
hassl-3090	198	19	tde	tde	PROPN
hassl-3090	198	20	in	in	ADP
hassl-3090	198	21	the	the	DET
hassl-3090	198	22	enhancement	enhancement	NOUN
hassl-3090	198	23	of	of	ADP
hassl-3090	198	24	banking	banking	NOUN
hassl-3090	198	25	services	service	NOUN
hassl-3090	198	26	industry	industry	NOUN
hassl-3090	198	27	from	from	ADP
hassl-3090	198	28	the	the	DET
hassl-3090	198	29	perspectives	perspective	NOUN
hassl-3090	198	30	of	of	ADP
hassl-3090	198	31	banks	bank	NOUN
hassl-3090	198	32	’	’	PART
hassl-3090	198	33	employees	employee	NOUN
hassl-3090	198	34	as	as	ADV
hassl-3090	198	35	well	well	ADV
hassl-3090	198	36	as	as	ADP
hassl-3090	198	37	clients	client	NOUN
hassl-3090	198	38	.	.	PUNCT
hassl-3090	199	1	table	table	NOUN
hassl-3090	199	2	5	5	NUM
hassl-3090	199	3	.	.	PUNCT
hassl-3090	200	1	banks	bank	NOUN
hassl-3090	200	2	’	’	PART
hassl-3090	200	3	employees	employee	NOUN
hassl-3090	200	4	and	and	CCONJ
hassl-3090	200	5	clients	client	NOUN
hassl-3090	200	6	.	.	PUNCT
hassl-3090	201	1	employees	employee	NOUN
hassl-3090	201	2	’	’	PART
hassl-3090	201	3	perspective	perspective	NOUN
hassl-3090	201	4	ai	ai	VERB
hassl-3090	201	5	’s	’s	PART
hassl-3090	201	6	aspects	aspects	PROPN
hassl-3090	201	7	t	t	PROPN
hassl-3090	201	8	sig	sig	PROPN
hassl-3090	201	9	.	.	PUNCT
hassl-3090	202	1	(	(	PUNCT
hassl-3090	202	2	2	2	NUM
hassl-3090	202	3	-	-	PUNCT
hassl-3090	202	4	tailed	tailed	ADJ
hassl-3090	202	5	)	)	PUNCT
hassl-3090	202	6	mean	mean	ADJ
hassl-3090	202	7	difference	difference	NOUN
hassl-3090	202	8	95	95	NUM
hassl-3090	202	9	%	%	NOUN
hassl-3090	202	10	confidence	confidence	NOUN
hassl-3090	202	11	interval	interval	NOUN
hassl-3090	202	12	of	of	ADP
hassl-3090	202	13	the	the	DET
hassl-3090	202	14	difference	difference	NOUN
hassl-3090	202	15	lower	low	ADJ
hassl-3090	202	16	upper	upper	ADJ
hassl-3090	202	17	mb	mb	ADP
hassl-3090	202	18	7.57	7.57	NUM
hassl-3090	202	19	0.01	0.01	NUM
hassl-3090	202	20	2.17	2.17	NUM
hassl-3090	202	21	1.56	1.56	NUM
hassl-3090	202	22	2.78	2.78	NUM
hassl-3090	202	23	cb	cb	NOUN
hassl-3090	202	24	8.29	8.29	NUM
hassl-3090	202	25	0.03	0.03	NUM
hassl-3090	202	26	2.35	2.35	NUM
hassl-3090	202	27	1.75	1.75	NUM
hassl-3090	202	28	2.95	2.95	NUM
hassl-3090	202	29	dc	dc	PROPN
hassl-3090	202	30	10.7	10.7	NUM
hassl-3090	202	31	0.02	0.02	NUM
hassl-3090	202	32	1.94	1.94	NUM
hassl-3090	202	33	1.55	1.55	NUM
hassl-3090	202	34	2.32	2.32	NUM
hassl-3090	202	35	tde	tde	ADJ
hassl-3090	202	36	7.03	7.03	NUM
hassl-3090	202	37	0.02	0.02	NUM
hassl-3090	202	38	2.00	2.00	NUM
hassl-3090	202	39	1.39	1.39	NUM
hassl-3090	202	40	2.60	2.60	NUM
hassl-3090	202	41	clients	client	NOUN
hassl-3090	202	42	’	'	PUNCT
hassl-3090	202	43	perspective	perspective	NOUN
hassl-3090	202	44	mb	mb	ADP
hassl-3090	202	45	11.0	11.0	NUM
hassl-3090	202	46	0.02	0.02	NUM
hassl-3090	202	47	2.17	2.17	NUM
hassl-3090	202	48	1.76	1.76	NUM
hassl-3090	202	49	2.59	2.59	NUM
hassl-3090	202	50	cb	cb	NOUN
hassl-3090	202	51	8.09	8.09	NUM
hassl-3090	202	52	0.04	0.04	NUM
hassl-3090	202	53	2.41	2.41	NUM
hassl-3090	202	54	1.78	1.78	NUM
hassl-3090	202	55	3.04	3.04	NUM
hassl-3090	202	56	dc	dc	PROPN
hassl-3090	202	57	8.92	8.92	NUM
hassl-3090	202	58	0.01	0.01	NUM
hassl-3090	202	59	2.23	2.23	NUM
hassl-3090	202	60	1.70	1.70	NUM
hassl-3090	202	61	2.76	2.76	NUM
hassl-3090	202	62	tde	tde	ADJ
hassl-3090	202	63	9.52	9.52	NUM
hassl-3090	202	64	0.03	0.03	NUM
hassl-3090	202	65	2.00	2.00	NUM
hassl-3090	202	66	1.55	1.55	NUM
hassl-3090	202	67	2.44	2.44	NUM
hassl-3090	202	68	note	note	NOUN
hassl-3090	202	69	:	:	PUNCT
hassl-3090	202	70	mb	mb	ADP
hassl-3090	202	71	:	:	PUNCT
hassl-3090	202	72	mobile	mobile	ADJ
hassl-3090	202	73	banking	banking	NOUN
hassl-3090	202	74	,	,	PUNCT
hassl-3090	202	75	cb	cb	PROPN
hassl-3090	202	76	:	:	PUNCT
hassl-3090	202	77	chat	chat	VERB
hassl-3090	202	78	bots	bot	NOUN
hassl-3090	202	79	,	,	PUNCT
hassl-3090	202	80	dc	dc	PROPN
hassl-3090	202	81	:	:	PUNCT
hassl-3090	202	82	data	data	NOUN
hassl-3090	202	83	collection	collection	NOUN
hassl-3090	202	84	,	,	PUNCT
hassl-3090	202	85	tde	tde	ADJ
hassl-3090	202	86	:	:	PUNCT
hassl-3090	202	87	transaction	transaction	NOUN
hassl-3090	202	88	data	datum	NOUN
hassl-3090	202	89	enhancement	enhancement	NOUN
hassl-3090	202	90	.	.	PUNCT
hassl-3090	203	1	this	this	DET
hassl-3090	203	2	research	research	NOUN
hassl-3090	203	3	ran	run	VERB
hassl-3090	203	4	one	one	NUM
hassl-3090	203	5	sample	sample	NOUN
hassl-3090	203	6	t	t	NOUN
hassl-3090	203	7	-	-	PUNCT
hassl-3090	203	8	test	test	NOUN
hassl-3090	203	9	with	with	ADP
hassl-3090	203	10	the	the	DET
hassl-3090	203	11	aim	aim	NOUN
hassl-3090	203	12	to	to	PART
hassl-3090	203	13	evaluate	evaluate	VERB
hassl-3090	203	14	the	the	DET
hassl-3090	203	15	role	role	NOUN
hassl-3090	203	16	of	of	ADP
hassl-3090	203	17	artificial	artificial	ADJ
hassl-3090	203	18	intelligence	intelligence	NOUN
hassl-3090	203	19	in	in	ADP
hassl-3090	203	20	the	the	DET
hassl-3090	203	21	automation	automation	NOUN
hassl-3090	203	22	of	of	ADP
hassl-3090	203	23	jordanian	jordanian	ADJ
hassl-3090	203	24	banking	banking	NOUN
hassl-3090	203	25	services	service	NOUN
hassl-3090	203	26	industry	industry	NOUN
hassl-3090	203	27	from	from	ADP
hassl-3090	203	28	the	the	DET
hassl-3090	203	29	perspectives	perspective	NOUN
hassl-3090	203	30	of	of	ADP
hassl-3090	203	31	banks	bank	NOUN
hassl-3090	203	32	’	’	PART
hassl-3090	203	33	employees	employee	NOUN
hassl-3090	203	34	and	and	CCONJ
hassl-3090	203	35	clients	client	NOUN
hassl-3090	203	36	.	.	PUNCT
hassl-3090	204	1	consequently	consequently	ADV
hassl-3090	204	2	,	,	PUNCT
hassl-3090	204	3	through	through	ADP
hassl-3090	204	4	testing	test	VERB
hassl-3090	204	5	the	the	DET
hassl-3090	204	6	first	first	ADJ
hassl-3090	204	7	main	main	ADJ
hassl-3090	204	8	hypothesis	hypothesis	NOUN
hassl-3090	204	9	,	,	PUNCT
hassl-3090	204	10	which	which	PRON
hassl-3090	204	11	signifies	signify	VERB
hassl-3090	204	12	that	that	PRON
hassl-3090	204	13	ai	ai	AUX
hassl-3090	204	14	significantly	significantly	ADV
hassl-3090	204	15	contributes	contribute	VERB
hassl-3090	204	16	in	in	ADP
hassl-3090	204	17	the	the	DET
hassl-3090	204	18	enhancement	enhancement	NOUN
hassl-3090	204	19	of	of	ADP
hassl-3090	204	20	jordanian	jordanian	ADJ
hassl-3090	204	21	banking	banking	NOUN
hassl-3090	204	22	services	service	NOUN
hassl-3090	204	23	industry	industry	NOUN
hassl-3090	204	24	;	;	PUNCT
hassl-3090	204	25	statistics	statistic	NOUN
hassl-3090	204	26	from	from	ADP
hassl-3090	204	27	the	the	DET
hassl-3090	204	28	table	table	NOUN
hassl-3090	204	29	5	5	NUM
hassl-3090	204	30	proves	prove	VERB
hassl-3090	204	31	that	that	SCONJ
hassl-3090	204	32	from	from	ADP
hassl-3090	204	33	the	the	DET
hassl-3090	204	34	viewpoint	viewpoint	NOUN
hassl-3090	204	35	of	of	ADP
hassl-3090	204	36	employees	employee	NOUN
hassl-3090	204	37	the	the	DET
hassl-3090	204	38	measures	measure	NOUN
hassl-3090	204	39	of	of	ADP
hassl-3090	204	40	artificial	artificial	ADJ
hassl-3090	204	41	intelligence	intelligence	NOUN
hassl-3090	204	42	significantly	significantly	ADV
hassl-3090	204	43	contribute	contribute	VERB
hassl-3090	204	44	in	in	ADP
hassl-3090	204	45	enhancing	enhance	VERB
hassl-3090	204	46	the	the	DET
hassl-3090	204	47	banking	banking	NOUN
hassl-3090	204	48	services	service	NOUN
hassl-3090	204	49	,	,	PUNCT
hassl-3090	204	50	which	which	PRON
hassl-3090	204	51	are	be	AUX
hassl-3090	204	52	provided	provide	VERB
hassl-3090	204	53	by	by	ADP
hassl-3090	204	54	jordanian	jordanian	ADJ
hassl-3090	204	55	banks	bank	NOUN
hassl-3090	204	56	,	,	PUNCT
hassl-3090	204	57	and	and	CCONJ
hassl-3090	204	58	those	those	PRON
hassl-3090	204	59	which	which	PRON
hassl-3090	204	60	are	be	AUX
hassl-3090	204	61	listed	list	VERB
hassl-3090	204	62	on	on	ADP
hassl-3090	204	63	the	the	DET
hassl-3090	204	64	amman	amman	PROPN
hassl-3090	204	65	stock	stock	PROPN
hassl-3090	204	66	exchange	exchange	PROPN
hassl-3090	204	67	.	.	PUNCT
hassl-3090	205	1	similarly	similarly	ADV
hassl-3090	205	2	,	,	PUNCT
hassl-3090	205	3	from	from	ADP
hassl-3090	205	4	the	the	DET
hassl-3090	205	5	perspective	perspective	NOUN
hassl-3090	205	6	of	of	ADP
hassl-3090	205	7	banks	bank	NOUN
hassl-3090	205	8	’	’	PART
hassl-3090	205	9	clients	client	NOUN
hassl-3090	205	10	,	,	PUNCT
hassl-3090	205	11	measures	measure	NOUN
hassl-3090	205	12	like	like	ADP
hassl-3090	205	13	mobile	mobile	ADJ
hassl-3090	205	14	banking	banking	NOUN
hassl-3090	205	15	,	,	PUNCT
hassl-3090	205	16	chat	chat	VERB
hassl-3090	205	17	bots	bot	NOUN
hassl-3090	205	18	,	,	PUNCT
hassl-3090	205	19	data	datum	NOUN
hassl-3090	205	20	collection	collection	NOUN
hassl-3090	205	21	,	,	PUNCT
hassl-3090	205	22	and	and	CCONJ
hassl-3090	205	23	transaction	transaction	NOUN
hassl-3090	205	24	data	datum	NOUN
hassl-3090	205	25	enhancement	enhancement	NOUN
hassl-3090	205	26	are	be	AUX
hassl-3090	205	27	found	find	VERB
hassl-3090	205	28	to	to	PART
hassl-3090	205	29	be	be	AUX
hassl-3090	205	30	significantly	significantly	ADV
hassl-3090	205	31	impacting	impact	VERB
hassl-3090	205	32	the	the	DET
hassl-3090	205	33	services	service	NOUN
hassl-3090	205	34	of	of	ADP
hassl-3090	205	35	jordanian	jordanian	ADJ
hassl-3090	205	36	banking	banking	NOUN
hassl-3090	205	37	system	system	NOUN
hassl-3090	205	38	.	.	PUNCT
hassl-3090	206	1	5	5	X
hassl-3090	206	2	.	.	X
hassl-3090	206	3	conclusion	conclusion	NOUN
hassl-3090	206	4	digitalization	digitalization	NOUN
hassl-3090	206	5	has	have	AUX
hassl-3090	206	6	become	become	VERB
hassl-3090	206	7	the	the	DET
hassl-3090	206	8	dire	dire	ADJ
hassl-3090	206	9	need	need	NOUN
hassl-3090	206	10	of	of	ADP
hassl-3090	206	11	the	the	DET
hassl-3090	206	12	era	era	NOUN
hassl-3090	206	13	for	for	ADP
hassl-3090	206	14	almost	almost	ADV
hassl-3090	206	15	all	all	PRON
hassl-3090	206	16	businesses	business	NOUN
hassl-3090	206	17	and	and	CCONJ
hassl-3090	206	18	same	same	ADJ
hassl-3090	206	19	is	be	AUX
hassl-3090	206	20	the	the	DET
hassl-3090	206	21	case	case	NOUN
hassl-3090	206	22	with	with	ADP
hassl-3090	206	23	the	the	DET
hassl-3090	206	24	banking	banking	NOUN
hassl-3090	206	25	sector	sector	NOUN
hassl-3090	206	26	.	.	PUNCT
hassl-3090	207	1	banking	banking	NOUN
hassl-3090	207	2	services	service	NOUN
hassl-3090	207	3	are	be	AUX
hassl-3090	207	4	becoming	become	VERB
hassl-3090	207	5	more	more	ADV
hassl-3090	207	6	diverse	diverse	ADJ
hassl-3090	207	7	with	with	ADP
hassl-3090	207	8	the	the	DET
hassl-3090	207	9	passage	passage	NOUN
hassl-3090	207	10	of	of	ADP
hassl-3090	207	11	time	time	NOUN
hassl-3090	207	12	,	,	PUNCT
hassl-3090	207	13	incorporating	incorporate	VERB
hassl-3090	207	14	mounting	mount	VERB
hassl-3090	207	15	number	number	NOUN
hassl-3090	207	16	of	of	ADP
hassl-3090	207	17	transactions	transaction	NOUN
hassl-3090	207	18	that	that	PRON
hassl-3090	207	19	are	be	AUX
hassl-3090	207	20	becoming	become	VERB
hassl-3090	207	21	out	out	ADP
hassl-3090	207	22	of	of	ADP
hassl-3090	207	23	the	the	DET
hassl-3090	207	24	scope	scope	NOUN
hassl-3090	207	25	of	of	ADP
hassl-3090	207	26	human	human	ADJ
hassl-3090	207	27	capacity	capacity	NOUN
hassl-3090	207	28	.	.	PUNCT
hassl-3090	208	1	since	since	SCONJ
hassl-3090	208	2	going	go	VERB
hassl-3090	208	3	digital	digital	ADJ
hassl-3090	208	4	and	and	CCONJ
hassl-3090	208	5	performing	perform	VERB
hassl-3090	208	6	services	service	NOUN
hassl-3090	208	7	through	through	ADP
hassl-3090	208	8	ai	ai	ADP
hassl-3090	208	9	based	base	VERB
hassl-3090	208	10	means	mean	NOUN
hassl-3090	208	11	is	be	AUX
hassl-3090	208	12	the	the	DET
hassl-3090	208	13	most	most	ADV
hassl-3090	208	14	effective	effective	ADJ
hassl-3090	208	15	solution	solution	NOUN
hassl-3090	208	16	,	,	PUNCT
hassl-3090	208	17	the	the	DET
hassl-3090	208	18	current	current	ADJ
hassl-3090	208	19	research	research	NOUN
hassl-3090	208	20	sheds	shed	VERB
hassl-3090	208	21	light	light	NOUN
hassl-3090	208	22	to	to	PART
hassl-3090	208	23	show	show	VERB
hassl-3090	208	24	how	how	SCONJ
hassl-3090	208	25	the	the	DET
hassl-3090	208	26	implementation	implementation	NOUN
hassl-3090	208	27	of	of	ADP
hassl-3090	208	28	ai	ai	PRON
hassl-3090	208	29	based	base	VERB
hassl-3090	208	30	systems	system	NOUN
hassl-3090	208	31	contributes	contribute	VERB
hassl-3090	208	32	in	in	ADP
hassl-3090	208	33	enhancing	enhance	VERB
hassl-3090	208	34	banking	banking	NOUN
hassl-3090	208	35	services	service	NOUN
hassl-3090	208	36	and	and	CCONJ
hassl-3090	208	37	leads	lead	VERB
hassl-3090	208	38	to	to	PART
hassl-3090	208	39	upgrade	upgrade	VERB
hassl-3090	208	40	the	the	DET
hassl-3090	208	41	banking	banking	NOUN
hassl-3090	208	42	sector	sector	NOUN
hassl-3090	208	43	.	.	PUNCT
hassl-3090	209	1	four	four	NUM
hassl-3090	209	2	different	different	ADJ
hassl-3090	209	3	aspects	aspect	NOUN
hassl-3090	209	4	of	of	ADP
hassl-3090	209	5	ai	ai	VERB
hassl-3090	209	6	implementation	implementation	NOUN
hassl-3090	209	7	were	be	AUX
hassl-3090	209	8	studied	study	VERB
hassl-3090	209	9	i.e.	i.e.	X
hassl-3090	209	10	mobile	mobile	ADJ
hassl-3090	209	11	banking	banking	NOUN
hassl-3090	209	12	services	service	NOUN
hassl-3090	209	13	,	,	PUNCT
hassl-3090	209	14	data	datum	NOUN
hassl-3090	209	15	collection	collection	NOUN
hassl-3090	209	16	,	,	PUNCT
hassl-3090	209	17	transaction	transaction	NOUN
hassl-3090	209	18	data	datum	NOUN
hassl-3090	209	19	enhancement	enhancement	NOUN
hassl-3090	209	20	and	and	CCONJ
hassl-3090	209	21	chat	chat	VERB
hassl-3090	209	22	bots	bot	NOUN
hassl-3090	209	23	,	,	PUNCT
hassl-3090	209	24	and	and	CCONJ
hassl-3090	209	25	their	their	PRON
hassl-3090	209	26	contribution	contribution	NOUN
hassl-3090	209	27	towards	towards	ADP
hassl-3090	209	28	the	the	DET
hassl-3090	209	29	enhancement	enhancement	NOUN
hassl-3090	209	30	of	of	ADP
hassl-3090	209	31	banking	banking	NOUN
hassl-3090	209	32	services	service	NOUN
hassl-3090	209	33	in	in	ADP
hassl-3090	209	34	different	different	ADJ
hassl-3090	209	35	ways	way	NOUN
hassl-3090	209	36	like	like	ADP
hassl-3090	209	37	cost	cost	NOUN
hassl-3090	209	38	reduction	reduction	NOUN
hassl-3090	209	39	,	,	PUNCT
hassl-3090	209	40	creating	create	VERB
hassl-3090	209	41	convenience	convenience	NOUN
hassl-3090	209	42	,	,	PUNCT
hassl-3090	209	43	risk	risk	NOUN
hassl-3090	209	44	management	management	NOUN
hassl-3090	209	45	,	,	PUNCT
hassl-3090	209	46	and	and	CCONJ
hassl-3090	209	47	enhancing	enhance	VERB
hassl-3090	209	48	clients	client	NOUN
hassl-3090	209	49	’	'	PUNCT
hassl-3090	209	50	trust	trust	NOUN
hassl-3090	209	51	were	be	AUX
hassl-3090	209	52	studied	study	VERB
hassl-3090	209	53	through	through	ADP
hassl-3090	209	54	the	the	DET
hassl-3090	209	55	perspectives	perspective	NOUN
hassl-3090	209	56	of	of	ADP
hassl-3090	209	57	banks	bank	NOUN
hassl-3090	209	58	’	’	PART
hassl-3090	209	59	employees	employee	NOUN
hassl-3090	209	60	and	and	CCONJ
hassl-3090	209	61	clients	client	NOUN
hassl-3090	209	62	.	.	PUNCT
hassl-3090	210	1	consequently	consequently	ADV
hassl-3090	210	2	,	,	PUNCT
hassl-3090	210	3	from	from	ADP
hassl-3090	210	4	the	the	DET
hassl-3090	210	5	perspective	perspective	NOUN
hassl-3090	210	6	of	of	ADP
hassl-3090	210	7	clients	client	NOUN
hassl-3090	210	8	,	,	PUNCT
hassl-3090	210	9	the	the	DET
hassl-3090	210	10	study	study	NOUN
hassl-3090	210	11	revealed	reveal	VERB
hassl-3090	210	12	that	that	SCONJ
hassl-3090	210	13	the	the	DET
hassl-3090	210	14	use	use	NOUN
hassl-3090	210	15	of	of	ADP
hassl-3090	210	16	ai	ai	PRON
hassl-3090	210	17	based	base	VERB
hassl-3090	210	18	banking	banking	NOUN
hassl-3090	210	19	services	service	NOUN
hassl-3090	210	20	contributes	contribute	VERB
hassl-3090	210	21	in	in	ADP
hassl-3090	210	22	creating	create	VERB
hassl-3090	210	23	convenience	convenience	NOUN
hassl-3090	210	24	,	,	PUNCT
hassl-3090	210	25	and	and	CCONJ
hassl-3090	210	26	enhancing	enhance	VERB
hassl-3090	210	27	their	their	PRON
hassl-3090	210	28	trust	trust	NOUN
hassl-3090	210	29	humanities	humanity	NOUN
hassl-3090	210	30	and	and	CCONJ
hassl-3090	210	31	social	social	ADJ
hassl-3090	210	32	sciences	science	NOUN
hassl-3090	210	33	letters	letter	NOUN
hassl-3090	210	34	,	,	PUNCT
hassl-3090	210	35	2022	2022	NUM
hassl-3090	210	36	,	,	PUNCT
hassl-3090	210	37	10(3	10(3	NUM
hassl-3090	210	38	):	):	PUNCT
hassl-3090	210	39	383	383	NUM
hassl-3090	210	40	-	-	SYM
hassl-3090	210	41	393	393	NUM
hassl-3090	210	42	392	392	NUM
hassl-3090	210	43	©	©	PROPN
hassl-3090	210	44	2022	2022	NUM
hassl-3090	210	45	conscientia	conscientia	PROPN
hassl-3090	210	46	beam	beam	PROPN
hassl-3090	210	47	.	.	PUNCT
hassl-3090	211	1	all	all	DET
hassl-3090	211	2	rights	right	NOUN
hassl-3090	211	3	reserved	reserve	VERB
hassl-3090	211	4	.	.	PUNCT
hassl-3090	211	5	towards	towards	ADP
hassl-3090	211	6	banking	banking	NOUN
hassl-3090	211	7	services	service	NOUN
hassl-3090	211	8	,	,	PUNCT
hassl-3090	211	9	while	while	SCONJ
hassl-3090	211	10	for	for	ADP
hassl-3090	211	11	banks	bank	NOUN
hassl-3090	211	12	,	,	PUNCT
hassl-3090	211	13	the	the	DET
hassl-3090	211	14	implementation	implementation	NOUN
hassl-3090	211	15	of	of	ADP
hassl-3090	211	16	ai	ai	PRON
hassl-3090	211	17	based	base	VERB
hassl-3090	211	18	systems	system	NOUN
hassl-3090	211	19	is	be	AUX
hassl-3090	211	20	beneficial	beneficial	ADJ
hassl-3090	211	21	in	in	ADP
hassl-3090	211	22	having	have	VERB
hassl-3090	211	23	effective	effective	ADJ
hassl-3090	211	24	risk	risk	NOUN
hassl-3090	211	25	management	management	NOUN
hassl-3090	211	26	,	,	PUNCT
hassl-3090	211	27	cost	cost	NOUN
hassl-3090	211	28	reduction	reduction	NOUN
hassl-3090	211	29	and	and	CCONJ
hassl-3090	211	30	enhancing	enhance	VERB
hassl-3090	211	31	their	their	PRON
hassl-3090	211	32	clients	client	NOUN
hassl-3090	211	33	’	’	PART
hassl-3090	211	34	trust	trust	NOUN
hassl-3090	211	35	towards	towards	ADP
hassl-3090	211	36	offered	offer	VERB
hassl-3090	211	37	banking	banking	NOUN
hassl-3090	211	38	services	service	NOUN
hassl-3090	211	39	.	.	PUNCT
hassl-3090	212	1	in	in	ADP
hassl-3090	212	2	this	this	DET
hassl-3090	212	3	regard	regard	NOUN
hassl-3090	212	4	,	,	PUNCT
hassl-3090	212	5	studies	study	NOUN
hassl-3090	212	6	including	include	VERB
hassl-3090	212	7	(	(	PUNCT
hassl-3090	212	8	abusalma	abusalma	ADJ
hassl-3090	212	9	,	,	PUNCT
hassl-3090	212	10	2021	2021	NUM
hassl-3090	212	11	;	;	PUNCT
hassl-3090	212	12	kaur	kaur	PROPN
hassl-3090	212	13	et	et	PROPN
hassl-3090	212	14	al	al	PROPN
hassl-3090	212	15	.	.	PROPN
hassl-3090	212	16	,	,	PUNCT
hassl-3090	212	17	2020	2020	NUM
hassl-3090	212	18	;	;	PUNCT
hassl-3090	212	19	malali	malali	PROPN
hassl-3090	212	20	&	&	CCONJ
hassl-3090	212	21	gopalakrishnan	gopalakrishnan	PROPN
hassl-3090	212	22	,	,	PUNCT
hassl-3090	212	23	2020	2020	NUM
hassl-3090	212	24	)	)	PUNCT
hassl-3090	212	25	indicated	indicate	VERB
hassl-3090	212	26	that	that	SCONJ
hassl-3090	212	27	the	the	DET
hassl-3090	212	28	adoption	adoption	NOUN
hassl-3090	212	29	of	of	ADP
hassl-3090	212	30	ai	ai	VERB
hassl-3090	212	31	contributes	contribute	NOUN
hassl-3090	212	32	in	in	ADP
hassl-3090	212	33	facilitating	facilitate	VERB
hassl-3090	212	34	the	the	DET
hassl-3090	212	35	process	process	NOUN
hassl-3090	212	36	of	of	ADP
hassl-3090	212	37	risk	risk	NOUN
hassl-3090	212	38	management	management	NOUN
hassl-3090	212	39	,	,	PUNCT
hassl-3090	212	40	reducing	reduce	VERB
hassl-3090	212	41	costs	cost	NOUN
hassl-3090	212	42	,	,	PUNCT
hassl-3090	212	43	improving	improve	VERB
hassl-3090	212	44	the	the	DET
hassl-3090	212	45	level	level	NOUN
hassl-3090	212	46	of	of	ADP
hassl-3090	212	47	communication	communication	NOUN
hassl-3090	212	48	between	between	ADP
hassl-3090	212	49	banks	bank	NOUN
hassl-3090	212	50	and	and	CCONJ
hassl-3090	212	51	their	their	PRON
hassl-3090	212	52	clients	client	NOUN
hassl-3090	212	53	,	,	PUNCT
hassl-3090	212	54	and	and	CCONJ
hassl-3090	212	55	subsequently	subsequently	ADV
hassl-3090	212	56	it	it	PRON
hassl-3090	212	57	will	will	AUX
hassl-3090	212	58	lead	lead	VERB
hassl-3090	212	59	to	to	PART
hassl-3090	212	60	build	build	VERB
hassl-3090	212	61	customers	customer	NOUN
hassl-3090	212	62	’	'	PUNCT
hassl-3090	212	63	trust	trust	NOUN
hassl-3090	212	64	on	on	ADP
hassl-3090	212	65	banking	banking	NOUN
hassl-3090	212	66	services	service	NOUN
hassl-3090	212	67	,	,	PUNCT
hassl-3090	212	68	because	because	SCONJ
hassl-3090	212	69	they	they	PRON
hassl-3090	212	70	are	be	AUX
hassl-3090	212	71	able	able	ADJ
hassl-3090	212	72	to	to	PART
hassl-3090	212	73	understand	understand	VERB
hassl-3090	212	74	each	each	PRON
hassl-3090	212	75	of	of	ADP
hassl-3090	212	76	their	their	PRON
hassl-3090	212	77	transactions	transaction	NOUN
hassl-3090	212	78	and	and	CCONJ
hassl-3090	212	79	the	the	DET
hassl-3090	212	80	relevant	relevant	ADJ
hassl-3090	212	81	charges	charge	NOUN
hassl-3090	212	82	.	.	PUNCT
hassl-3090	213	1	therefore	therefore	ADV
hassl-3090	213	2	,	,	PUNCT
hassl-3090	213	3	it	it	PRON
hassl-3090	213	4	is	be	AUX
hassl-3090	213	5	evident	evident	ADJ
hassl-3090	213	6	that	that	SCONJ
hassl-3090	213	7	the	the	DET
hassl-3090	213	8	implementation	implementation	NOUN
hassl-3090	213	9	of	of	ADP
hassl-3090	213	10	ai	ai	PRON
hassl-3090	213	11	based	base	VERB
hassl-3090	213	12	systems	system	NOUN
hassl-3090	213	13	contributes	contribute	VERB
hassl-3090	213	14	successfully	successfully	ADV
hassl-3090	213	15	in	in	ADP
hassl-3090	213	16	the	the	DET
hassl-3090	213	17	enhancement	enhancement	NOUN
hassl-3090	213	18	and	and	CCONJ
hassl-3090	213	19	up	up	ADP
hassl-3090	213	20	gradation	gradation	NOUN
hassl-3090	213	21	of	of	ADP
hassl-3090	213	22	banking	banking	NOUN
hassl-3090	213	23	services	service	NOUN
hassl-3090	213	24	,	,	PUNCT
hassl-3090	213	25	which	which	PRON
hassl-3090	213	26	would	would	AUX
hassl-3090	213	27	ultimately	ultimately	ADV
hassl-3090	213	28	improve	improve	VERB
hassl-3090	213	29	the	the	DET
hassl-3090	213	30	quality	quality	NOUN
hassl-3090	213	31	of	of	ADP
hassl-3090	213	32	banking	banking	NOUN
hassl-3090	213	33	services	service	NOUN
hassl-3090	213	34	as	as	ADV
hassl-3090	213	35	well	well	ADV
hassl-3090	213	36	as	as	ADP
hassl-3090	213	37	generate	generate	VERB
hassl-3090	213	38	financial	financial	ADJ
hassl-3090	213	39	benefits	benefit	NOUN
hassl-3090	213	40	for	for	ADP
hassl-3090	213	41	the	the	DET
hassl-3090	213	42	banking	banking	NOUN
hassl-3090	213	43	industry	industry	NOUN
hassl-3090	213	44	.	.	PUNCT
hassl-3090	214	1	studies	study	NOUN
hassl-3090	214	2	including	include	VERB
hassl-3090	214	3	(	(	PUNCT
hassl-3090	214	4	cavus	cavus	PROPN
hassl-3090	214	5	et	et	PROPN
hassl-3090	214	6	al	al	PROPN
hassl-3090	214	7	.	.	PROPN
hassl-3090	214	8	,	,	PUNCT
hassl-3090	214	9	2021	2021	NUM
hassl-3090	214	10	;	;	PUNCT
hassl-3090	214	11	kaur	kaur	PROPN
hassl-3090	214	12	et	et	PROPN
hassl-3090	214	13	al	al	PROPN
hassl-3090	214	14	.	.	PROPN
hassl-3090	214	15	,	,	PUNCT
hassl-3090	214	16	2020	2020	NUM
hassl-3090	214	17	;	;	PUNCT
hassl-3090	214	18	yu	yu	PROPN
hassl-3090	214	19	&	&	CCONJ
hassl-3090	214	20	song	song	PROPN
hassl-3090	214	21	,	,	PUNCT
hassl-3090	214	22	2020	2020	NUM
hassl-3090	214	23	)	)	PUNCT
hassl-3090	214	24	stated	state	VERB
hassl-3090	214	25	that	that	SCONJ
hassl-3090	214	26	the	the	DET
hassl-3090	214	27	adoption	adoption	NOUN
hassl-3090	214	28	and	and	CCONJ
hassl-3090	214	29	implementation	implementation	NOUN
hassl-3090	214	30	of	of	ADP
hassl-3090	214	31	new	new	ADJ
hassl-3090	214	32	technologies	technology	NOUN
hassl-3090	214	33	,	,	PUNCT
hassl-3090	214	34	such	such	ADJ
hassl-3090	214	35	as	as	ADP
hassl-3090	214	36	ai	ai	PROPN
hassl-3090	214	37	helps	help	VERB
hassl-3090	214	38	bank	bank	NOUN
hassl-3090	214	39	in	in	ADP
hassl-3090	214	40	improving	improve	VERB
hassl-3090	214	41	the	the	DET
hassl-3090	214	42	quality	quality	NOUN
hassl-3090	214	43	of	of	ADP
hassl-3090	214	44	their	their	PRON
hassl-3090	214	45	services	service	NOUN
hassl-3090	214	46	,	,	PUNCT
hassl-3090	214	47	reducing	reduce	VERB
hassl-3090	214	48	their	their	PRON
hassl-3090	214	49	costs	cost	NOUN
hassl-3090	214	50	and	and	CCONJ
hassl-3090	214	51	ultimately	ultimately	ADV
hassl-3090	214	52	,	,	PUNCT
hassl-3090	214	53	improving	improve	VERB
hassl-3090	214	54	revenues	revenue	NOUN
hassl-3090	214	55	.	.	PUNCT
hassl-3090	215	1	furthermore	furthermore	ADV
hassl-3090	215	2	,	,	PUNCT
hassl-3090	215	3	by	by	ADP
hassl-3090	215	4	relying	rely	VERB
hassl-3090	215	5	on	on	ADP
hassl-3090	215	6	the	the	DET
hassl-3090	215	7	aforementioned	aforementioned	ADJ
hassl-3090	215	8	findings	finding	NOUN
hassl-3090	215	9	,	,	PUNCT
hassl-3090	215	10	the	the	DET
hassl-3090	215	11	study	study	NOUN
hassl-3090	215	12	concludes	conclude	VERB
hassl-3090	215	13	that	that	SCONJ
hassl-3090	215	14	employees	employee	NOUN
hassl-3090	215	15	as	as	ADV
hassl-3090	215	16	well	well	ADV
hassl-3090	215	17	as	as	ADP
hassl-3090	215	18	clients	client	NOUN
hassl-3090	215	19	of	of	ADP
hassl-3090	215	20	jordanian	jordanian	ADJ
hassl-3090	215	21	banks	bank	NOUN
hassl-3090	215	22	have	have	VERB
hassl-3090	215	23	similar	similar	ADJ
hassl-3090	215	24	perspectives	perspective	NOUN
hassl-3090	215	25	regarding	regard	VERB
hassl-3090	215	26	the	the	DET
hassl-3090	215	27	central	central	ADJ
hassl-3090	215	28	role	role	NOUN
hassl-3090	215	29	of	of	ADP
hassl-3090	215	30	ai	ai	VERB
hassl-3090	215	31	in	in	ADP
hassl-3090	215	32	the	the	DET
hassl-3090	215	33	enhancement	enhancement	NOUN
hassl-3090	215	34	of	of	ADP
hassl-3090	215	35	jordanian	jordanian	ADJ
hassl-3090	215	36	banking	banking	NOUN
hassl-3090	215	37	system	system	NOUN
hassl-3090	215	38	.	.	PUNCT
hassl-3090	216	1	since	since	SCONJ
hassl-3090	216	2	these	these	DET
hassl-3090	216	3	two	two	NUM
hassl-3090	216	4	parties	party	NOUN
hassl-3090	216	5	appraise	appraise	VERB
hassl-3090	216	6	the	the	DET
hassl-3090	216	7	implementation	implementation	NOUN
hassl-3090	216	8	,	,	PUNCT
hassl-3090	216	9	as	as	ADV
hassl-3090	216	10	well	well	ADV
hassl-3090	216	11	as	as	ADP
hassl-3090	216	12	the	the	DET
hassl-3090	216	13	adoption	adoption	NOUN
hassl-3090	216	14	of	of	ADP
hassl-3090	216	15	the	the	DET
hassl-3090	216	16	ai	ai	NOUN
hassl-3090	216	17	,	,	PUNCT
hassl-3090	216	18	it	it	PRON
hassl-3090	216	19	can	can	AUX
hassl-3090	216	20	be	be	AUX
hassl-3090	216	21	induced	induce	VERB
hassl-3090	216	22	that	that	SCONJ
hassl-3090	216	23	the	the	DET
hassl-3090	216	24	four	four	NUM
hassl-3090	216	25	different	different	ADJ
hassl-3090	216	26	aspects	aspect	NOUN
hassl-3090	216	27	of	of	ADP
hassl-3090	216	28	ai	ai	AUX
hassl-3090	216	29	analyzed	analyze	VERB
hassl-3090	216	30	in	in	ADP
hassl-3090	216	31	this	this	DET
hassl-3090	216	32	study	study	NOUN
hassl-3090	216	33	,	,	PUNCT
hassl-3090	216	34	i.e.	i.e.	X
hassl-3090	216	35	mobile	mobile	ADJ
hassl-3090	216	36	banking	banking	NOUN
hassl-3090	216	37	services	service	NOUN
hassl-3090	216	38	,	,	PUNCT
hassl-3090	216	39	data	datum	NOUN
hassl-3090	216	40	collection	collection	NOUN
hassl-3090	216	41	,	,	PUNCT
hassl-3090	216	42	transaction	transaction	NOUN
hassl-3090	216	43	data	datum	NOUN
hassl-3090	216	44	enhancement	enhancement	NOUN
hassl-3090	216	45	and	and	CCONJ
hassl-3090	216	46	chat	chat	VERB
hassl-3090	216	47	bots	bot	NOUN
hassl-3090	216	48	are	be	AUX
hassl-3090	216	49	similarly	similarly	ADV
hassl-3090	216	50	found	find	VERB
hassl-3090	216	51	to	to	PART
hassl-3090	216	52	exert	exert	VERB
hassl-3090	216	53	significant	significant	ADJ
hassl-3090	216	54	impacts	impact	NOUN
hassl-3090	216	55	in	in	ADP
hassl-3090	216	56	the	the	DET
hassl-3090	216	57	perspectives	perspective	NOUN
hassl-3090	216	58	of	of	ADP
hassl-3090	216	59	employees	employee	NOUN
hassl-3090	216	60	and	and	CCONJ
hassl-3090	216	61	clients	client	NOUN
hassl-3090	216	62	of	of	ADP
hassl-3090	216	63	jordanian	jordanian	ADJ
hassl-3090	216	64	banks	bank	NOUN
hassl-3090	216	65	.	.	PUNCT
hassl-3090	217	1	moreover	moreover	ADV
hassl-3090	217	2	,	,	PUNCT
hassl-3090	217	3	there	there	PRON
hassl-3090	217	4	is	be	VERB
hassl-3090	217	5	still	still	ADV
hassl-3090	217	6	a	a	DET
hassl-3090	217	7	huge	huge	ADJ
hassl-3090	217	8	gap	gap	NOUN
hassl-3090	217	9	in	in	ADP
hassl-3090	217	10	literature	literature	NOUN
hassl-3090	217	11	to	to	PART
hassl-3090	217	12	highlight	highlight	VERB
hassl-3090	217	13	the	the	DET
hassl-3090	217	14	potential	potential	ADJ
hassl-3090	217	15	pros	pro	NOUN
hassl-3090	217	16	and	and	CCONJ
hassl-3090	217	17	cons	con	NOUN
hassl-3090	217	18	of	of	ADP
hassl-3090	217	19	such	such	ADJ
hassl-3090	217	20	technological	technological	ADJ
hassl-3090	217	21	adoptions	adoption	NOUN
hassl-3090	217	22	in	in	ADP
hassl-3090	217	23	businesses	business	NOUN
hassl-3090	217	24	and	and	CCONJ
hassl-3090	217	25	different	different	ADJ
hassl-3090	217	26	sectors	sector	NOUN
hassl-3090	217	27	of	of	ADP
hassl-3090	217	28	economies	economy	NOUN
hassl-3090	217	29	,	,	PUNCT
hassl-3090	217	30	so	so	ADV
hassl-3090	217	31	future	future	ADJ
hassl-3090	217	32	researches	research	NOUN
hassl-3090	217	33	could	could	AUX
hassl-3090	217	34	capture	capture	VERB
hassl-3090	217	35	these	these	DET
hassl-3090	217	36	areas	area	NOUN
hassl-3090	217	37	.	.	PUNCT
hassl-3090	218	1	the	the	DET
hassl-3090	218	2	outcomes	outcome	NOUN
hassl-3090	218	3	of	of	ADP
hassl-3090	218	4	such	such	ADJ
hassl-3090	218	5	implementations	implementation	NOUN
hassl-3090	218	6	could	could	AUX
hassl-3090	218	7	be	be	AUX
hassl-3090	218	8	estimated	estimate	VERB
hassl-3090	218	9	quantitatively	quantitatively	ADV
hassl-3090	218	10	with	with	ADP
hassl-3090	218	11	the	the	DET
hassl-3090	218	12	passage	passage	NOUN
hassl-3090	218	13	of	of	ADP
hassl-3090	218	14	time	time	NOUN
hassl-3090	218	15	.	.	PUNCT
hassl-3090	219	1	funding	funding	NOUN
hassl-3090	219	2	:	:	PUNCT
hassl-3090	219	3	this	this	DET
hassl-3090	219	4	research	research	NOUN
hassl-3090	219	5	is	be	AUX
hassl-3090	219	6	supported	support	VERB
hassl-3090	219	7	by	by	ADP
hassl-3090	219	8	the	the	DET
hassl-3090	219	9	deanship	deanship	NOUN
hassl-3090	219	10	of	of	ADP
hassl-3090	219	11	scientific	scientific	ADJ
hassl-3090	219	12	research	research	NOUN
hassl-3090	219	13	at	at	ADP
hassl-3090	219	14	zarqa	zarqa	PROPN
hassl-3090	219	15	university	university	PROPN
hassl-3090	219	16	(	(	PUNCT
hassl-3090	219	17	grant	grant	PROPN
hassl-3090	219	18	number	number	NOUN
hassl-3090	219	19	:	:	PUNCT
hassl-3090	219	20	651147	651147	NUM
hassl-3090	219	21	)	)	PUNCT
hassl-3090	219	22	.	.	PUNCT
hassl-3090	220	1	competing	compete	VERB
hassl-3090	220	2	interests	interest	NOUN
hassl-3090	220	3	:	:	PUNCT
hassl-3090	220	4	the	the	DET
hassl-3090	220	5	authors	author	NOUN
hassl-3090	220	6	declare	declare	VERB
hassl-3090	220	7	that	that	SCONJ
hassl-3090	220	8	they	they	PRON
hassl-3090	220	9	have	have	VERB
hassl-3090	220	10	no	no	DET
hassl-3090	220	11	competing	compete	VERB
hassl-3090	220	12	interests	interest	NOUN
hassl-3090	220	13	.	.	PUNCT
hassl-3090	221	1	authors	author	NOUN
hassl-3090	221	2	’	'	PUNCT
hassl-3090	221	3	contributions	contribution	NOUN
hassl-3090	221	4	:	:	PUNCT
hassl-3090	221	5	all	all	DET
hassl-3090	221	6	authors	author	NOUN
hassl-3090	221	7	contributed	contribute	VERB
hassl-3090	221	8	equally	equally	ADV
hassl-3090	221	9	to	to	ADP
hassl-3090	221	10	the	the	DET
hassl-3090	221	11	conception	conception	NOUN
hassl-3090	221	12	and	and	CCONJ
hassl-3090	221	13	design	design	NOUN
hassl-3090	221	14	of	of	ADP
hassl-3090	221	15	the	the	DET
hassl-3090	221	16	study	study	NOUN
hassl-3090	221	17	.	.	PUNCT
hassl-3090	222	1	references	reference	NOUN
hassl-3090	222	2	abusalma	abusalma	VERB
hassl-3090	222	3	,	,	PUNCT
hassl-3090	222	4	a.	a.	NOUN
hassl-3090	222	5	(	(	PUNCT
hassl-3090	222	6	2021	2021	NUM
hassl-3090	222	7	)	)	PUNCT
hassl-3090	222	8	.	.	PUNCT
hassl-3090	223	1	the	the	DET
hassl-3090	223	2	effect	effect	NOUN
hassl-3090	223	3	of	of	ADP
hassl-3090	223	4	implementing	implement	VERB
hassl-3090	223	5	artificial	artificial	ADJ
hassl-3090	223	6	intelligence	intelligence	NOUN
hassl-3090	223	7	on	on	ADP
hassl-3090	223	8	job	job	NOUN
hassl-3090	223	9	performance	performance	NOUN
hassl-3090	223	10	in	in	ADP
hassl-3090	223	11	commercial	commercial	ADJ
hassl-3090	223	12	banks	bank	NOUN
hassl-3090	223	13	of	of	ADP
hassl-3090	223	14	jordan	jordan	PROPN
hassl-3090	223	15	.	.	PUNCT
hassl-3090	224	1	management	management	NOUN
hassl-3090	224	2	science	science	NOUN
hassl-3090	224	3	letters	letter	NOUN
hassl-3090	224	4	,	,	PUNCT
hassl-3090	224	5	11(7	11(7	NUM
hassl-3090	224	6	)	)	PUNCT
hassl-3090	224	7	,	,	PUNCT
hassl-3090	224	8	2061	2061	NUM
hassl-3090	224	9	-	-	SYM
hassl-3090	224	10	2070	2070	NUM
hassl-3090	224	11	.	.	PUNCT
hassl-3090	225	1	ali	ali	PROPN
hassl-3090	225	2	,	,	PUNCT
hassl-3090	225	3	m.	m.	PROPN
hassl-3090	225	4	s.	s.	PROPN
hassl-3090	225	5	,	,	PUNCT
hassl-3090	225	6	ismail	ismail	PROPN
hassl-3090	225	7	,	,	PUNCT
hassl-3090	225	8	a.	a.	PROPN
hassl-3090	225	9	r.	r.	PROPN
hassl-3090	225	10	,	,	PUNCT
hassl-3090	225	11	&	&	CCONJ
hassl-3090	225	12	swiety	swiety	NOUN
hassl-3090	225	13	,	,	PUNCT
hassl-3090	225	14	i.	i.	PROPN
hassl-3090	225	15	a.	a.	PROPN
hassl-3090	225	16	(	(	PUNCT
hassl-3090	225	17	2021	2021	NUM
hassl-3090	225	18	)	)	PUNCT
hassl-3090	225	19	.	.	PUNCT
hassl-3090	226	1	assessing	assess	VERB
hassl-3090	226	2	the	the	DET
hassl-3090	226	3	role	role	NOUN
hassl-3090	226	4	of	of	ADP
hassl-3090	226	5	technologically	technologically	ADV
hassl-3090	226	6	enabled	enable	VERB
hassl-3090	226	7	trading	trading	NOUN
hassl-3090	226	8	system	system	NOUN
hassl-3090	226	9	in	in	ADP
hassl-3090	226	10	the	the	DET
hassl-3090	226	11	stability	stability	NOUN
hassl-3090	226	12	of	of	ADP
hassl-3090	226	13	small	small	ADJ
hassl-3090	226	14	and	and	CCONJ
hassl-3090	226	15	medium	medium	ADJ
hassl-3090	226	16	enterprises	enterprise	NOUN
hassl-3090	226	17	:	:	PUNCT
hassl-3090	226	18	the	the	DET
hassl-3090	226	19	case	case	NOUN
hassl-3090	226	20	of	of	ADP
hassl-3090	226	21	jordan	jordan	PROPN
hassl-3090	226	22	.	.	PUNCT
hassl-3090	227	1	paper	paper	PROPN
hassl-3090	227	2	presented	present	VERB
hassl-3090	227	3	at	at	ADP
hassl-3090	227	4	the	the	DET
hassl-3090	227	5	in	in	ADP
hassl-3090	227	6	2021	2021	NUM
hassl-3090	227	7	22nd	22nd	NOUN
hassl-3090	227	8	international	international	PROPN
hassl-3090	227	9	arab	arab	ADJ
hassl-3090	227	10	conference	conference	NOUN
hassl-3090	227	11	on	on	ADP
hassl-3090	227	12	information	information	NOUN
hassl-3090	227	13	technology	technology	NOUN
hassl-3090	227	14	(	(	PUNCT
hassl-3090	227	15	acit	acit	ADJ
hassl-3090	227	16	)	)	PUNCT
hassl-3090	227	17	,	,	PUNCT
hassl-3090	227	18	ieee	ieee	PROPN
hassl-3090	227	19	.	.	PUNCT
hassl-3090	228	1	berente	berente	PROPN
hassl-3090	228	2	,	,	PUNCT
hassl-3090	228	3	n.	n.	NOUN
hassl-3090	228	4	,	,	PUNCT
hassl-3090	228	5	gu	gu	PROPN
hassl-3090	228	6	,	,	PUNCT
hassl-3090	228	7	b.	b.	PROPN
hassl-3090	228	8	,	,	PUNCT
hassl-3090	228	9	recker	recker	PROPN
hassl-3090	228	10	,	,	PUNCT
hassl-3090	228	11	j.	j.	PROPN
hassl-3090	228	12	,	,	PUNCT
hassl-3090	228	13	&	&	CCONJ
hassl-3090	228	14	santhanam	santhanam	PROPN
hassl-3090	228	15	,	,	PUNCT
hassl-3090	228	16	r.	r.	PROPN
hassl-3090	228	17	(	(	PUNCT
hassl-3090	228	18	2019	2019	NUM
hassl-3090	228	19	)	)	PUNCT
hassl-3090	228	20	.	.	PUNCT
hassl-3090	229	1	managing	manage	VERB
hassl-3090	229	2	ai	ai	PROPN
hassl-3090	229	3	.	.	PROPN
hassl-3090	229	4	mis	mis	PROPN
hassl-3090	229	5	quarterly	quarterly	PROPN
hassl-3090	229	6	,	,	PUNCT
hassl-3090	229	7	1	1	NUM
hassl-3090	229	8	-	-	SYM
hassl-3090	229	9	5	5	NUM
hassl-3090	229	10	.	.	PUNCT
hassl-3090	230	1	bibel	bibel	PROPN
hassl-3090	230	2	,	,	PUNCT
hassl-3090	230	3	w.	w.	PROPN
hassl-3090	230	4	(	(	PUNCT
hassl-3090	230	5	2014	2014	NUM
hassl-3090	230	6	)	)	PUNCT
hassl-3090	230	7	.	.	PUNCT
hassl-3090	231	1	artificial	artificial	ADJ
hassl-3090	231	2	intelligence	intelligence	NOUN
hassl-3090	231	3	in	in	ADP
hassl-3090	231	4	a	a	DET
hassl-3090	231	5	historical	historical	ADJ
hassl-3090	231	6	perspective	perspective	NOUN
hassl-3090	231	7	.	.	PUNCT
hassl-3090	232	1	ai	ai	VERB
hassl-3090	232	2	communications	communication	NOUN
hassl-3090	232	3	,	,	PUNCT
hassl-3090	232	4	27(1	27(1	NUM
hassl-3090	232	5	)	)	PUNCT
hassl-3090	232	6	,	,	PUNCT
hassl-3090	232	7	87-102.available	87-102.available	NUM
hassl-3090	232	8	at	at	ADP
hassl-3090	232	9	:	:	PUNCT
hassl-3090	232	10	https://doi.org/10.3233/aic-130576	https://doi.org/10.3233/aic-130576	PROPN
hassl-3090	232	11	.	.	PUNCT
hassl-3090	233	1	boobier	boobier	NOUN
hassl-3090	233	2	,	,	PUNCT
hassl-3090	233	3	t.	t.	PROPN
hassl-3090	233	4	(	(	PUNCT
hassl-3090	233	5	2020	2020	NUM
hassl-3090	233	6	)	)	PUNCT
hassl-3090	233	7	.	.	PUNCT
hassl-3090	234	1	ai	ai	VERB
hassl-3090	234	2	and	and	CCONJ
hassl-3090	234	3	the	the	DET
hassl-3090	234	4	future	future	NOUN
hassl-3090	234	5	of	of	ADP
hassl-3090	234	6	banking	banking	NOUN
hassl-3090	234	7	(	(	PUNCT
hassl-3090	234	8	1st	1st	ADJ
hassl-3090	234	9	ed	ed	NOUN
hassl-3090	234	10	.	.	PUNCT
hassl-3090	234	11	)	)	PUNCT
hassl-3090	234	12	.	.	PUNCT
hassl-3090	235	1	usa	usa	PROPN
hassl-3090	235	2	:	:	PUNCT
hassl-3090	235	3	john	john	PROPN
hassl-3090	235	4	wiley	wiley	PROPN
hassl-3090	235	5	&	&	CCONJ
hassl-3090	235	6	sons	sons	PROPN
hassl-3090	235	7	,	,	PUNCT
hassl-3090	235	8	inc	inc	PROPN
hassl-3090	235	9	.	.	PROPN
hassl-3090	235	10	brock	brock	PROPN
hassl-3090	235	11	,	,	PUNCT
hassl-3090	235	12	j.	j.	PROPN
hassl-3090	235	13	k.-u	k.-u	PROPN
hassl-3090	235	14	.	.	PROPN
hassl-3090	235	15	,	,	PUNCT
hassl-3090	235	16	&	&	CCONJ
hassl-3090	235	17	von	von	PROPN
hassl-3090	235	18	wangenheim	wangenheim	PROPN
hassl-3090	235	19	,	,	PUNCT
hassl-3090	235	20	f.	f.	PROPN
hassl-3090	235	21	(	(	PUNCT
hassl-3090	235	22	2019	2019	NUM
hassl-3090	235	23	)	)	PUNCT
hassl-3090	235	24	.	.	PUNCT
hassl-3090	236	1	demystifying	demystify	VERB
hassl-3090	236	2	ai	ai	NOUN
hassl-3090	236	3	:	:	PUNCT
hassl-3090	236	4	what	what	PRON
hassl-3090	236	5	digital	digital	ADJ
hassl-3090	236	6	transformation	transformation	NOUN
hassl-3090	236	7	leaders	leader	NOUN
hassl-3090	236	8	can	can	AUX
hassl-3090	236	9	teach	teach	VERB
hassl-3090	236	10	you	you	PRON
hassl-3090	236	11	about	about	ADP
hassl-3090	236	12	realistic	realistic	ADJ
hassl-3090	236	13	artificial	artificial	ADJ
hassl-3090	236	14	intelligence	intelligence	NOUN
hassl-3090	236	15	.	.	PUNCT
hassl-3090	237	1	california	california	PROPN
hassl-3090	237	2	management	management	PROPN
hassl-3090	237	3	review	review	PROPN
hassl-3090	237	4	,	,	PUNCT
hassl-3090	237	5	61(4	61(4	NUM
hassl-3090	237	6	)	)	PUNCT
hassl-3090	237	7	,	,	PUNCT
hassl-3090	237	8	110-134.available	110-134.available	NUM
hassl-3090	237	9	at	at	ADP
hassl-3090	237	10	:	:	PUNCT
hassl-3090	237	11	https://doi.org/10.1177/1536504219865226	https://doi.org/10.1177/1536504219865226	NOUN
hassl-3090	237	12	.	.	PUNCT
hassl-3090	238	1	casares	casare	NOUN
hassl-3090	238	2	,	,	PUNCT
hassl-3090	238	3	a.	a.	NOUN
hassl-3090	238	4	p.	p.	NOUN
hassl-3090	238	5	(	(	PUNCT
hassl-3090	238	6	2018	2018	NUM
hassl-3090	238	7	)	)	PUNCT
hassl-3090	238	8	.	.	PUNCT
hassl-3090	239	1	the	the	DET
hassl-3090	239	2	brain	brain	NOUN
hassl-3090	239	3	of	of	ADP
hassl-3090	239	4	the	the	DET
hassl-3090	239	5	future	future	NOUN
hassl-3090	239	6	and	and	CCONJ
hassl-3090	239	7	the	the	DET
hassl-3090	239	8	viability	viability	NOUN
hassl-3090	239	9	of	of	ADP
hassl-3090	239	10	democratic	democratic	ADJ
hassl-3090	239	11	governance	governance	NOUN
hassl-3090	239	12	:	:	PUNCT
hassl-3090	239	13	the	the	DET
hassl-3090	239	14	role	role	NOUN
hassl-3090	239	15	of	of	ADP
hassl-3090	239	16	artificial	artificial	ADJ
hassl-3090	239	17	intelligence	intelligence	NOUN
hassl-3090	239	18	,	,	PUNCT
hassl-3090	239	19	cognitive	cognitive	ADJ
hassl-3090	239	20	machines	machine	NOUN
hassl-3090	239	21	,	,	PUNCT
hassl-3090	239	22	and	and	CCONJ
hassl-3090	239	23	viable	viable	ADJ
hassl-3090	239	24	systems	system	NOUN
hassl-3090	239	25	.	.	PUNCT
hassl-3090	240	1	futures	future	NOUN
hassl-3090	240	2	,	,	PUNCT
hassl-3090	240	3	103	103	NUM
hassl-3090	240	4	,	,	PUNCT
hassl-3090	240	5	5-16.available	5-16.available	NUM
hassl-3090	240	6	at	at	ADP
hassl-3090	240	7	:	:	PUNCT
hassl-3090	240	8	https://doi.org/10.1016/j.futures.2018.05.002	https://doi.org/10.1016/j.futures.2018.05.002	PROPN
hassl-3090	240	9	.	.	PUNCT
hassl-3090	241	1	cavus	cavus	PROPN
hassl-3090	241	2	,	,	PUNCT
hassl-3090	241	3	n.	n.	PROPN
hassl-3090	241	4	,	,	PUNCT
hassl-3090	241	5	mohammed	mohammed	PROPN
hassl-3090	241	6	,	,	PUNCT
hassl-3090	241	7	y.	y.	PROPN
hassl-3090	241	8	b.	b.	PROPN
hassl-3090	241	9	,	,	PUNCT
hassl-3090	241	10	&	&	CCONJ
hassl-3090	241	11	yakubu	yakubu	PROPN
hassl-3090	241	12	,	,	PUNCT
hassl-3090	241	13	m.	m.	NOUN
hassl-3090	241	14	n.	n.	PROPN
hassl-3090	241	15	(	(	PUNCT
hassl-3090	241	16	2021	2021	NUM
hassl-3090	241	17	)	)	PUNCT
hassl-3090	241	18	.	.	PUNCT
hassl-3090	242	1	an	an	DET
hassl-3090	242	2	artificial	artificial	ADJ
hassl-3090	242	3	intelligence	intelligence	NOUN
hassl-3090	242	4	based	base	VERB
hassl-3090	242	5	model	model	NOUN
hassl-3090	242	6	for	for	ADP
hassl-3090	242	7	prediction	prediction	NOUN
hassl-3090	242	8	of	of	ADP
hassl-3090	242	9	parameters	parameter	NOUN
hassl-3090	242	10	affecting	affect	VERB
hassl-3090	242	11	sustainable	sustainable	ADJ
hassl-3090	242	12	growth	growth	NOUN
hassl-3090	242	13	of	of	ADP
hassl-3090	242	14	mobile	mobile	ADJ
hassl-3090	242	15	banking	banking	NOUN
hassl-3090	242	16	apps	app	NOUN
hassl-3090	242	17	.	.	PUNCT
hassl-3090	243	1	sustainability	sustainability	NOUN
hassl-3090	243	2	,	,	PUNCT
hassl-3090	243	3	13(11	13(11	NUM
hassl-3090	243	4	)	)	PUNCT
hassl-3090	243	5	,	,	PUNCT
hassl-3090	243	6	6206.available	6206.available	ADJ
hassl-3090	243	7	at	at	ADP
hassl-3090	243	8	:	:	PUNCT
hassl-3090	243	9	https://doi.org/10.3390/su13116206	https://doi.org/10.3390/su13116206	PROPN
hassl-3090	243	10	.	.	PUNCT
hassl-3090	243	11	chui	chui	PROPN
hassl-3090	243	12	,	,	PUNCT
hassl-3090	243	13	m.	m.	NOUN
hassl-3090	243	14	,	,	PUNCT
hassl-3090	243	15	&	&	CCONJ
hassl-3090	243	16	malhotra	malhotra	PROPN
hassl-3090	243	17	,	,	PUNCT
hassl-3090	243	18	s.	s.	PROPN
hassl-3090	243	19	(	(	PUNCT
hassl-3090	243	20	2018	2018	NUM
hassl-3090	243	21	)	)	PUNCT
hassl-3090	243	22	.	.	PUNCT
hassl-3090	244	1	ai	ai	VERB
hassl-3090	244	2	adoption	adoption	NOUN
hassl-3090	244	3	advances	advance	NOUN
hassl-3090	244	4	,	,	PUNCT
hassl-3090	244	5	but	but	CCONJ
hassl-3090	244	6	foundational	foundational	ADJ
hassl-3090	244	7	barriers	barrier	NOUN
hassl-3090	244	8	remain	remain	VERB
hassl-3090	244	9	.	.	PUNCT
hassl-3090	245	1	usa	usa	PROPN
hassl-3090	245	2	:	:	PUNCT
hassl-3090	245	3	mckinsey	mckinsey	PROPN
hassl-3090	245	4	global	global	PROPN
hassl-3090	245	5	institute	institute	PROPN
hassl-3090	245	6	,	,	PUNCT
hassl-3090	245	7	mckinsey	mckinsey	PROPN
hassl-3090	245	8	’s	’s	PART
hassl-3090	245	9	san	san	PROPN
hassl-3090	245	10	francisco	francisco	PROPN
hassl-3090	245	11	.	.	PUNCT
hassl-3090	246	1	dhar	dhar	PROPN
hassl-3090	246	2	,	,	PUNCT
hassl-3090	246	3	n.	n.	NOUN
hassl-3090	246	4	,	,	PUNCT
hassl-3090	246	5	holly	holly	NOUN
hassl-3090	246	6	,	,	PUNCT
hassl-3090	246	7	t.	t.	PROPN
hassl-3090	246	8	,	,	PUNCT
hassl-3090	246	9	ryan	ryan	PROPN
hassl-3090	246	10	,	,	PUNCT
hassl-3090	246	11	d.	d.	PROPN
hassl-3090	246	12	,	,	PUNCT
hassl-3090	246	13	&	&	CCONJ
hassl-3090	246	14	galeaz	galeaz	PROPN
hassl-3090	246	15	,	,	PUNCT
hassl-3090	246	16	g.	g.	PROPN
hassl-3090	246	17	(	(	PUNCT
hassl-3090	246	18	2017	2017	NUM
hassl-3090	246	19	)	)	PUNCT
hassl-3090	246	20	.	.	PUNCT
hassl-3090	247	1	top	top	ADJ
hassl-3090	247	2	financial	financial	ADJ
hassl-3090	247	3	services	service	NOUN
hassl-3090	247	4	issues	issue	NOUN
hassl-3090	247	5	of	of	ADP
hassl-3090	247	6	2018	2018	NUM
hassl-3090	247	7	,	,	PUNCT
hassl-3090	247	8	pwc	pwc	PROPN
hassl-3090	247	9	.	.	PROPN
hassl-3090	247	10	,	,	PUNCT
hassl-3090	247	11	december	december	PROPN
hassl-3090	247	12	2017	2017	NUM
hassl-3090	247	13	.	.	PUNCT
hassl-3090	248	1	retrieved	retrieve	VERB
hassl-3090	248	2	from	from	ADP
hassl-3090	248	3	:	:	PUNCT
hassl-3090	248	4	https://www.pwc.com/il/he/bankim/assets/2018/top%20financial%20services%20issues%20of%202018.pdf	https://www.pwc.com/il/he/bankim/assets/2018/top%20financial%20services%20issues%20of%202018.pdf	NOUN
hassl-3090	248	5	.	.	PUNCT
hassl-3090	249	1	humanities	humanity	NOUN
hassl-3090	249	2	and	and	CCONJ
hassl-3090	249	3	social	social	ADJ
hassl-3090	249	4	sciences	science	NOUN
hassl-3090	249	5	letters	letter	NOUN
hassl-3090	249	6	,	,	PUNCT
hassl-3090	249	7	2022	2022	NUM
hassl-3090	249	8	,	,	PUNCT
hassl-3090	249	9	10(3	10(3	NUM
hassl-3090	249	10	):	):	PUNCT
hassl-3090	249	11	383	383	NUM
hassl-3090	249	12	-	-	SYM
hassl-3090	249	13	393	393	NUM
hassl-3090	249	14	393	393	NUM
hassl-3090	249	15	©	©	PROPN
hassl-3090	249	16	2022	2022	NUM
hassl-3090	249	17	conscientia	conscientia	PROPN
hassl-3090	249	18	beam	beam	PROPN
hassl-3090	249	19	.	.	PUNCT
hassl-3090	250	1	all	all	DET
hassl-3090	250	2	rights	right	NOUN
hassl-3090	250	3	reserved	reserve	VERB
hassl-3090	250	4	.	.	PUNCT
hassl-3090	251	1	el	el	PROPN
hassl-3090	251	2	sawy	sawy	PROPN
hassl-3090	251	3	,	,	PUNCT
hassl-3090	251	4	o.	o.	PROPN
hassl-3090	251	5	,	,	PUNCT
hassl-3090	251	6	&	&	CCONJ
hassl-3090	251	7	pereira	pereira	PROPN
hassl-3090	251	8	,	,	PUNCT
hassl-3090	251	9	f.	f.	PROPN
hassl-3090	251	10	(	(	PUNCT
hassl-3090	251	11	2013	2013	NUM
hassl-3090	251	12	)	)	PUNCT
hassl-3090	251	13	.	.	PUNCT
hassl-3090	252	1	business	business	NOUN
hassl-3090	252	2	modelling	modelling	NOUN
hassl-3090	252	3	in	in	ADP
hassl-3090	252	4	the	the	DET
hassl-3090	252	5	dynamic	dynamic	ADJ
hassl-3090	252	6	digital	digital	ADJ
hassl-3090	252	7	space	space	NOUN
hassl-3090	252	8	:	:	PUNCT
hassl-3090	252	9	an	an	DET
hassl-3090	252	10	ecosystem	ecosystem	NOUN
hassl-3090	252	11	approach	approach	NOUN
hassl-3090	252	12	(	(	PUNCT
hassl-3090	252	13	1st	1st	ADJ
hassl-3090	252	14	ed	ed	NOUN
hassl-3090	252	15	.	.	PUNCT
hassl-3090	252	16	)	)	PUNCT
hassl-3090	252	17	.	.	PUNCT
hassl-3090	253	1	usa	usa	PROPN
hassl-3090	253	2	:	:	PUNCT
hassl-3090	253	3	springer	springer	NOUN
hassl-3090	253	4	.	.	PUNCT
hassl-3090	254	1	esther	esther	PROPN
hassl-3090	254	2	,	,	PUNCT
hassl-3090	254	3	h.	h.	PROPN
hassl-3090	254	4	r.	r.	PROPN
hassl-3090	254	5	,	,	PUNCT
hassl-3090	254	6	&	&	CCONJ
hassl-3090	254	7	john	john	PROPN
hassl-3090	254	8	,	,	PUNCT
hassl-3090	254	9	f.	f.	PROPN
hassl-3090	254	10	(	(	PUNCT
hassl-3090	254	11	2020	2020	NUM
hassl-3090	254	12	)	)	PUNCT
hassl-3090	254	13	.	.	PUNCT
hassl-3090	255	1	role	role	NOUN
hassl-3090	255	2	of	of	ADP
hassl-3090	255	3	chat	chat	NOUN
hassl-3090	255	4	bots	bot	NOUN
hassl-3090	255	5	in	in	ADP
hassl-3090	255	6	customer	customer	NOUN
hassl-3090	255	7	engagement	engagement	NOUN
hassl-3090	255	8	valence	valence	NOUN
hassl-3090	255	9	.	.	PUNCT
hassl-3090	256	1	psychology	psychology	NOUN
hassl-3090	256	2	and	and	CCONJ
hassl-3090	256	3	education	education	NOUN
hassl-3090	256	4	,	,	PUNCT
hassl-3090	256	5	57(9	57(9	NOUN
hassl-3090	256	6	)	)	PUNCT
hassl-3090	256	7	,	,	PUNCT
hassl-3090	256	8	2181	2181	NUM
hassl-3090	256	9	-	-	SYM
hassl-3090	256	10	2186	2186	NUM
hassl-3090	256	11	.	.	PUNCT
hassl-3090	257	1	fichman	fichman	ADJ
hassl-3090	257	2	,	,	PUNCT
hassl-3090	257	3	g.	g.	PROPN
hassl-3090	257	4	,	,	PUNCT
hassl-3090	257	5	santos	santos	PROPN
hassl-3090	257	6	,	,	PUNCT
hassl-3090	257	7	b.	b.	PROPN
hassl-3090	257	8	,	,	PUNCT
hassl-3090	257	9	&	&	CCONJ
hassl-3090	257	10	zheng	zheng	PROPN
hassl-3090	257	11	,	,	PUNCT
hassl-3090	257	12	z.	z.	PROPN
hassl-3090	257	13	(	(	PUNCT
hassl-3090	257	14	2014	2014	NUM
hassl-3090	257	15	)	)	PUNCT
hassl-3090	257	16	.	.	PUNCT
hassl-3090	258	1	digital	digital	ADJ
hassl-3090	258	2	innovation	innovation	NOUN
hassl-3090	258	3	as	as	ADP
hassl-3090	258	4	a	a	DET
hassl-3090	258	5	fundamental	fundamental	ADJ
hassl-3090	258	6	and	and	CCONJ
hassl-3090	258	7	powerful	powerful	ADJ
hassl-3090	258	8	concept	concept	NOUN
hassl-3090	258	9	in	in	ADP
hassl-3090	258	10	the	the	DET
hassl-3090	258	11	information	information	NOUN
hassl-3090	258	12	systems	system	NOUN
hassl-3090	258	13	curriculum	curriculum	PROPN
hassl-3090	258	14	.	.	PUNCT
hassl-3090	259	1	mis	mis	PROPN
hassl-3090	259	2	quarterly	quarterly	PROPN
hassl-3090	259	3	,	,	PUNCT
hassl-3090	259	4	38(2	38(2	NOUN
hassl-3090	259	5	)	)	PUNCT
hassl-3090	259	6	,	,	PUNCT
hassl-3090	259	7	329	329	NUM
hassl-3090	259	8	-	-	SYM
hassl-3090	259	9	353	353	NUM
hassl-3090	259	10	.	.	PUNCT
hassl-3090	259	11	frame	frame	NOUN
hassl-3090	259	12	,	,	PUNCT
hassl-3090	259	13	w.	w.	PROPN
hassl-3090	259	14	s.	s.	PROPN
hassl-3090	259	15	,	,	PUNCT
hassl-3090	259	16	&	&	CCONJ
hassl-3090	259	17	white	white	PROPN
hassl-3090	259	18	,	,	PUNCT
hassl-3090	259	19	l.	l.	PROPN
hassl-3090	259	20	j.	j.	PROPN
hassl-3090	259	21	(	(	PUNCT
hassl-3090	259	22	2014	2014	NUM
hassl-3090	259	23	)	)	PUNCT
hassl-3090	259	24	.	.	PUNCT
hassl-3090	260	1	technological	technological	ADJ
hassl-3090	260	2	change	change	NOUN
hassl-3090	260	3	,	,	PUNCT
hassl-3090	260	4	financial	financial	ADJ
hassl-3090	260	5	innovation	innovation	NOUN
hassl-3090	260	6	,	,	PUNCT
hassl-3090	260	7	and	and	CCONJ
hassl-3090	260	8	diffusion	diffusion	NOUN
hassl-3090	260	9	in	in	ADP
hassl-3090	260	10	banking	banking	NOUN
hassl-3090	260	11	(	(	PUNCT
hassl-3090	260	12	pp	pp	ADJ
hassl-3090	260	13	.	.	PUNCT
hassl-3090	261	1	1	1	NUM
hassl-3090	261	2	-	-	SYM
hassl-3090	261	3	5	5	NUM
hassl-3090	261	4	)	)	PUNCT
hassl-3090	261	5	.	.	PUNCT
hassl-3090	262	1	atlanta	atlanta	PROPN
hassl-3090	262	2	,	,	PUNCT
hassl-3090	262	3	ga	ga	PROPN
hassl-3090	262	4	,	,	PUNCT
hassl-3090	262	5	usa	usa	PROPN
hassl-3090	262	6	:	:	PUNCT
hassl-3090	262	7	leonard	leonard	PROPN
hassl-3090	262	8	n.	n.	PROPN
hassl-3090	262	9	stern	stern	PROPN
hassl-3090	262	10	school	school	NOUN
hassl-3090	262	11	of	of	ADP
hassl-3090	262	12	business	business	NOUN
hassl-3090	262	13	,	,	PUNCT
hassl-3090	262	14	department	department	NOUN
hassl-3090	262	15	of	of	ADP
hassl-3090	262	16	economics	economic	NOUN
hassl-3090	262	17	.	.	PUNCT
hassl-3090	263	1	gallego	gallego	NOUN
hassl-3090	263	2	-	-	PUNCT
hassl-3090	263	3	gomez	gomez	PROPN
hassl-3090	263	4	,	,	PUNCT
hassl-3090	263	5	c.	c.	PROPN
hassl-3090	263	6	,	,	PUNCT
hassl-3090	263	7	&	&	CCONJ
hassl-3090	263	8	de	de	PROPN
hassl-3090	263	9	-	-	ADJ
hassl-3090	263	10	pablos	pablos	PROPN
hassl-3090	263	11	-	-	PUNCT
hassl-3090	263	12	heredero	heredero	NOUN
hassl-3090	263	13	,	,	PUNCT
hassl-3090	263	14	c.	c.	NOUN
hassl-3090	263	15	(	(	PUNCT
hassl-3090	263	16	2020	2020	NUM
hassl-3090	263	17	)	)	PUNCT
hassl-3090	263	18	.	.	PUNCT
hassl-3090	264	1	artificial	artificial	ADJ
hassl-3090	264	2	intelligence	intelligence	NOUN
hassl-3090	264	3	as	as	ADP
hassl-3090	264	4	an	an	DET
hassl-3090	264	5	enabling	enable	VERB
hassl-3090	264	6	tool	tool	NOUN
hassl-3090	264	7	for	for	ADP
hassl-3090	264	8	the	the	DET
hassl-3090	264	9	development	development	NOUN
hassl-3090	264	10	of	of	ADP
hassl-3090	264	11	dynamic	dynamic	ADJ
hassl-3090	264	12	capabilities	capability	NOUN
hassl-3090	264	13	in	in	ADP
hassl-3090	264	14	the	the	DET
hassl-3090	264	15	banking	banking	NOUN
hassl-3090	264	16	industry	industry	NOUN
hassl-3090	264	17	.	.	PUNCT
hassl-3090	265	1	international	international	ADJ
hassl-3090	265	2	journal	journal	NOUN
hassl-3090	265	3	of	of	ADP
hassl-3090	265	4	enterprise	enterprise	NOUN
hassl-3090	265	5	information	information	NOUN
hassl-3090	265	6	systems	system	NOUN
hassl-3090	265	7	(	(	PUNCT
hassl-3090	265	8	ijeis	ijeis	NOUN
hassl-3090	265	9	)	)	PUNCT
hassl-3090	265	10	,	,	PUNCT
hassl-3090	265	11	16(3	16(3	NOUN
hassl-3090	265	12	)	)	PUNCT
hassl-3090	265	13	,	,	PUNCT
hassl-3090	265	14	2033.available	2033.available	ADJ
hassl-3090	265	15	at	at	ADP
hassl-3090	265	16	:	:	PUNCT
hassl-3090	265	17	https://doi.org/10.4018/ijeis.2020070102	https://doi.org/10.4018/ijeis.2020070102	X
hassl-3090	265	18	.	.	PUNCT
hassl-3090	266	1	gentsch	gentsch	PROPN
hassl-3090	266	2	,	,	PUNCT
hassl-3090	266	3	p.	p.	NOUN
hassl-3090	266	4	(	(	PUNCT
hassl-3090	266	5	2019	2019	NUM
hassl-3090	266	6	)	)	PUNCT
hassl-3090	266	7	.	.	PUNCT
hassl-3090	267	1	conversational	conversational	ADJ
hassl-3090	267	2	ai	ai	NOUN
hassl-3090	267	3	:	:	PUNCT
hassl-3090	267	4	how	how	SCONJ
hassl-3090	267	5	chat	chat	VERB
hassl-3090	267	6	bots	bot	NOUN
hassl-3090	267	7	will	will	AUX
hassl-3090	267	8	reshape	reshape	VERB
hassl-3090	267	9	the	the	DET
hassl-3090	267	10	digital	digital	ADJ
hassl-3090	267	11	experience	experience	NOUN
hassl-3090	267	12	.	.	PUNCT
hassl-3090	268	1	in	in	ADP
hassl-3090	268	2	:	:	PUNCT
hassl-3090	268	3	ai	ai	VERB
hassl-3090	268	4	in	in	ADP
hassl-3090	268	5	marketing	marketing	NOUN
hassl-3090	268	6	,	,	PUNCT
hassl-3090	268	7	sales	sale	NOUN
hassl-3090	268	8	and	and	CCONJ
hassl-3090	268	9	services	service	NOUN
hassl-3090	268	10	.	.	PUNCT
hassl-3090	269	1	cham	cham	PROPN
hassl-3090	269	2	:	:	PUNCT
hassl-3090	269	3	palgrave	palgrave	PROPN
hassl-3090	269	4	macmillan	macmillan	PROPN
hassl-3090	269	5	.	.	PUNCT
hassl-3090	270	1	indriasari	indriasari	PROPN
hassl-3090	270	2	,	,	PUNCT
hassl-3090	270	3	e.	e.	PROPN
hassl-3090	270	4	,	,	PUNCT
hassl-3090	270	5	gaol	gaol	NOUN
hassl-3090	270	6	,	,	PUNCT
hassl-3090	270	7	f.	f.	PROPN
hassl-3090	270	8	l.	l.	PROPN
hassl-3090	270	9	,	,	PUNCT
hassl-3090	270	10	&	&	CCONJ
hassl-3090	270	11	matsuo	matsuo	PROPN
hassl-3090	270	12	,	,	PUNCT
hassl-3090	270	13	t.	t.	PROPN
hassl-3090	270	14	(	(	PUNCT
hassl-3090	270	15	2019	2019	NUM
hassl-3090	270	16	)	)	PUNCT
hassl-3090	270	17	.	.	PUNCT
hassl-3090	271	1	digital	digital	ADJ
hassl-3090	271	2	banking	banking	NOUN
hassl-3090	271	3	transformation	transformation	NOUN
hassl-3090	271	4	:	:	PUNCT
hassl-3090	271	5	application	application	NOUN
hassl-3090	271	6	of	of	ADP
hassl-3090	271	7	artificial	artificial	ADJ
hassl-3090	271	8	intelligence	intelligence	NOUN
hassl-3090	271	9	and	and	CCONJ
hassl-3090	271	10	big	big	ADJ
hassl-3090	271	11	data	datum	NOUN
hassl-3090	271	12	analytics	analytic	NOUN
hassl-3090	271	13	for	for	ADP
hassl-3090	271	14	leveraging	leverage	VERB
hassl-3090	271	15	customer	customer	NOUN
hassl-3090	271	16	experience	experience	NOUN
hassl-3090	271	17	in	in	ADP
hassl-3090	271	18	the	the	DET
hassl-3090	271	19	indonesia	indonesia	PROPN
hassl-3090	271	20	banking	banking	NOUN
hassl-3090	271	21	sector	sector	NOUN
hassl-3090	271	22	.	.	PUNCT
hassl-3090	272	1	paper	paper	NOUN
hassl-3090	272	2	presented	present	VERB
hassl-3090	272	3	at	at	ADP
hassl-3090	272	4	the	the	DET
hassl-3090	272	5	8th	8th	ADJ
hassl-3090	272	6	international	international	ADJ
hassl-3090	272	7	congress	congress	PROPN
hassl-3090	272	8	on	on	ADP
hassl-3090	272	9	advanced	advanced	ADJ
hassl-3090	272	10	applied	apply	VERB
hassl-3090	272	11	informatics	informatic	NOUN
hassl-3090	272	12	.	.	PUNCT
hassl-3090	273	1	kaur	kaur	PROPN
hassl-3090	273	2	,	,	PUNCT
hassl-3090	273	3	n.	n.	PROPN
hassl-3090	273	4	,	,	PUNCT
hassl-3090	273	5	sahdev	sahdev	PROPN
hassl-3090	273	6	,	,	PUNCT
hassl-3090	273	7	s.	s.	PROPN
hassl-3090	273	8	l.	l.	PROPN
hassl-3090	273	9	,	,	PUNCT
hassl-3090	273	10	sharma	sharma	PROPN
hassl-3090	273	11	,	,	PUNCT
hassl-3090	273	12	m.	m.	NOUN
hassl-3090	273	13	,	,	PUNCT
hassl-3090	273	14	&	&	CCONJ
hassl-3090	273	15	siddiqui	siddiqui	PROPN
hassl-3090	273	16	,	,	PUNCT
hassl-3090	273	17	l.	l.	PROPN
hassl-3090	273	18	(	(	PUNCT
hassl-3090	273	19	2020	2020	NUM
hassl-3090	273	20	)	)	PUNCT
hassl-3090	273	21	.	.	PUNCT
hassl-3090	274	1	the	the	DET
hassl-3090	274	2	influence	influence	NOUN
hassl-3090	274	3	of	of	ADP
hassl-3090	274	4	artificial	artificial	ADJ
hassl-3090	274	5	intelligence	intelligence	NOUN
hassl-3090	274	6	on	on	ADP
hassl-3090	274	7	the	the	DET
hassl-3090	274	8	banking	banking	NOUN
hassl-3090	274	9	industry	industry	NOUN
hassl-3090	274	10	and	and	CCONJ
hassl-3090	274	11	how	how	SCONJ
hassl-3090	274	12	ai	ai	AUX
hassl-3090	274	13	is	be	AUX
hassl-3090	274	14	changing	change	VERB
hassl-3090	274	15	the	the	DET
hassl-3090	274	16	face	face	NOUN
hassl-3090	274	17	of	of	ADP
hassl-3090	274	18	modern	modern	ADJ
hassl-3090	274	19	day	day	NOUN
hassl-3090	274	20	banks	bank	NOUN
hassl-3090	274	21	.	.	PUNCT
hassl-3090	275	1	international	international	ADJ
hassl-3090	275	2	journal	journal	PROPN
hassl-3090	275	3	of	of	ADP
hassl-3090	275	4	management	management	NOUN
hassl-3090	275	5	,	,	PUNCT
hassl-3090	275	6	11(6	11(6	NUM
hassl-3090	275	7	)	)	PUNCT
hassl-3090	275	8	,	,	PUNCT
hassl-3090	275	9	577	577	NUM
hassl-3090	275	10	-	-	SYM
hassl-3090	275	11	585	585	NUM
hassl-3090	275	12	.	.	PUNCT
hassl-3090	276	1	kitsios	kitsio	NOUN
hassl-3090	276	2	,	,	PUNCT
hassl-3090	276	3	f.	f.	PROPN
hassl-3090	276	4	,	,	PUNCT
hassl-3090	276	5	&	&	CCONJ
hassl-3090	276	6	kamariotou	kamariotou	PROPN
hassl-3090	276	7	,	,	PUNCT
hassl-3090	276	8	m.	m.	NOUN
hassl-3090	276	9	(	(	PUNCT
hassl-3090	276	10	2021	2021	NUM
hassl-3090	276	11	)	)	PUNCT
hassl-3090	276	12	.	.	PUNCT
hassl-3090	277	1	artificial	artificial	ADJ
hassl-3090	277	2	intelligence	intelligence	NOUN
hassl-3090	277	3	and	and	CCONJ
hassl-3090	277	4	business	business	NOUN
hassl-3090	277	5	strategy	strategy	NOUN
hassl-3090	277	6	towards	towards	ADP
hassl-3090	277	7	digital	digital	ADJ
hassl-3090	277	8	transformation	transformation	NOUN
hassl-3090	277	9	:	:	PUNCT
hassl-3090	277	10	a	a	DET
hassl-3090	277	11	research	research	NOUN
hassl-3090	277	12	agenda	agenda	NOUN
hassl-3090	277	13	.	.	PUNCT
hassl-3090	278	1	sustainability	sustainability	NOUN
hassl-3090	278	2	,	,	PUNCT
hassl-3090	278	3	13(4	13(4	NUM
hassl-3090	278	4	)	)	PUNCT
hassl-3090	278	5	,	,	PUNCT
hassl-3090	278	6	2025.available	2025.available	ADJ
hassl-3090	278	7	at	at	ADP
hassl-3090	278	8	:	:	PUNCT
hassl-3090	278	9	https://doi.org/10.3390/su13042025	https://doi.org/10.3390/su13042025	PROPN
hassl-3090	278	10	.	.	PROPN
hassl-3090	278	11	lerner	lerner	PROPN
hassl-3090	278	12	,	,	PUNCT
hassl-3090	278	13	j.	j.	PROPN
hassl-3090	278	14	,	,	PUNCT
hassl-3090	278	15	&	&	CCONJ
hassl-3090	278	16	tufano	tufano	ADJ
hassl-3090	278	17	,	,	PUNCT
hassl-3090	278	18	p.	p.	NOUN
hassl-3090	278	19	(	(	PUNCT
hassl-3090	278	20	2011	2011	NUM
hassl-3090	278	21	)	)	PUNCT
hassl-3090	278	22	.	.	PUNCT
hassl-3090	279	1	the	the	DET
hassl-3090	279	2	consequences	consequence	NOUN
hassl-3090	279	3	of	of	ADP
hassl-3090	279	4	financial	financial	ADJ
hassl-3090	279	5	innovation	innovation	NOUN
hassl-3090	279	6	:	:	PUNCT
hassl-3090	279	7	a	a	DET
hassl-3090	279	8	counterfactual	counterfactual	ADJ
hassl-3090	279	9	research	research	NOUN
hassl-3090	279	10	agenda	agenda	NOUN
hassl-3090	279	11	.	.	PUNCT
hassl-3090	280	1	annual	annual	ADJ
hassl-3090	280	2	review	review	NOUN
hassl-3090	280	3	of	of	ADP
hassl-3090	280	4	financial	financial	ADJ
hassl-3090	280	5	economics	economic	NOUN
hassl-3090	280	6	,	,	PUNCT
hassl-3090	280	7	3(1	3(1	NUM
hassl-3090	280	8	)	)	PUNCT
hassl-3090	280	9	,	,	PUNCT
hassl-3090	280	10	1	1	NUM
hassl-3090	280	11	-	-	SYM
hassl-3090	280	12	92	92	NUM
hassl-3090	280	13	.	.	PUNCT
hassl-3090	281	1	malali	malali	PROPN
hassl-3090	281	2	,	,	PUNCT
hassl-3090	281	3	a.	a.	PROPN
hassl-3090	281	4	b.	b.	PROPN
hassl-3090	281	5	,	,	PUNCT
hassl-3090	281	6	&	&	CCONJ
hassl-3090	281	7	gopalakrishnan	gopalakrishnan	PROPN
hassl-3090	281	8	,	,	PUNCT
hassl-3090	281	9	s.	s.	PROPN
hassl-3090	281	10	(	(	PUNCT
hassl-3090	281	11	2020	2020	NUM
hassl-3090	281	12	)	)	PUNCT
hassl-3090	281	13	.	.	PUNCT
hassl-3090	282	1	application	application	NOUN
hassl-3090	282	2	of	of	ADP
hassl-3090	282	3	artificial	artificial	ADJ
hassl-3090	282	4	intelligence	intelligence	NOUN
hassl-3090	282	5	and	and	CCONJ
hassl-3090	282	6	its	its	PRON
hassl-3090	282	7	powered	powered	ADJ
hassl-3090	282	8	technologies	technology	NOUN
hassl-3090	282	9	in	in	ADP
hassl-3090	282	10	the	the	DET
hassl-3090	282	11	indian	indian	ADJ
hassl-3090	282	12	banking	banking	NOUN
hassl-3090	282	13	and	and	CCONJ
hassl-3090	282	14	financial	financial	ADJ
hassl-3090	282	15	industry	industry	NOUN
hassl-3090	282	16	:	:	PUNCT
hassl-3090	282	17	an	an	DET
hassl-3090	282	18	overview	overview	NOUN
hassl-3090	282	19	.	.	PUNCT
hassl-3090	283	1	iosr	iosr	ADJ
hassl-3090	283	2	journal	journal	PROPN
hassl-3090	283	3	of	of	ADP
hassl-3090	283	4	humanities	humanity	NOUN
hassl-3090	283	5	and	and	CCONJ
hassl-3090	283	6	social	social	ADJ
hassl-3090	283	7	science	science	NOUN
hassl-3090	283	8	,	,	PUNCT
hassl-3090	283	9	25(4	25(4	NOUN
hassl-3090	283	10	)	)	PUNCT
hassl-3090	283	11	,	,	PUNCT
hassl-3090	283	12	55	55	NUM
hassl-3090	283	13	-	-	SYM
hassl-3090	283	14	60	60	NUM
hassl-3090	283	15	.	.	PUNCT
hassl-3090	284	1	microsoft	microsoft	PROPN
hassl-3090	284	2	news	news	PROPN
hassl-3090	284	3	center	center	PROPN
hassl-3090	284	4	.	.	PUNCT
hassl-3090	285	1	(	(	PUNCT
hassl-3090	285	2	2019	2019	NUM
hassl-3090	285	3	)	)	PUNCT
hassl-3090	285	4	.	.	PUNCT
hassl-3090	286	1	digital	digital	ADJ
hassl-3090	286	2	transformation	transformation	NOUN
hassl-3090	286	3	in	in	ADP
hassl-3090	286	4	the	the	DET
hassl-3090	286	5	jordan	jordan	PROPN
hassl-3090	286	6	financial	financial	PROPN
hassl-3090	286	7	services	service	NOUN
hassl-3090	286	8	space	space	NOUN
hassl-3090	286	9	streamlined	streamline	VERB
hassl-3090	286	10	as	as	ADP
hassl-3090	286	11	central	central	ADJ
hassl-3090	286	12	bank	bank	NOUN
hassl-3090	286	13	issues	issue	NOUN
hassl-3090	286	14	cloud	cloud	ADJ
hassl-3090	286	15	computing	computing	NOUN
hassl-3090	286	16	guidelines	guideline	NOUN
hassl-3090	286	17	.	.	PUNCT
hassl-3090	287	1	microsoft	microsoft	PROPN
hassl-3090	287	2	.	.	PUNCT
hassl-3090	287	3	news	news	PROPN
hassl-3090	287	4	center	center	PROPN
hassl-3090	287	5	middle	middle	PROPN
hassl-3090	287	6	east	east	PROPN
hassl-3090	287	7	and	and	CCONJ
hassl-3090	287	8	africa	africa	PROPN
hassl-3090	287	9	.	.	PUNCT
hassl-3090	288	1	retrieved	retrieve	VERB
hassl-3090	288	2	from	from	ADP
hassl-3090	288	3	:	:	PUNCT
hassl-3090	288	4	https://news.microsoft.com/en-xm/2019/05/10/digital-transformation-in-the-jordan-financial-services-spacestreamlined-as-central-bank-issues-cloud-computing-guidelines/.	https://news.microsoft.com/en-xm/2019/05/10/digital-transformation-in-the-jordan-financial-services-spacestreamlined-as-central-bank-issues-cloud-computing-guidelines/.	NOUN
hassl-3090	288	5	modee	modee	PROPN
hassl-3090	288	6	.	.	PUNCT
hassl-3090	289	1	(	(	PUNCT
hassl-3090	289	2	2020	2020	NUM
hassl-3090	289	3	)	)	PUNCT
hassl-3090	289	4	.	.	PUNCT
hassl-3090	290	1	jordan	jordan	PROPN
hassl-3090	290	2	digital	digital	PROPN
hassl-3090	290	3	transformation	transformation	NOUN
hassl-3090	290	4	strategy	strategy	NOUN
hassl-3090	290	5	2020	2020	NUM
hassl-3090	290	6	.	.	PUNCT
hassl-3090	291	1	ministry	ministry	PROPN
hassl-3090	291	2	of	of	ADP
hassl-3090	291	3	digital	digital	ADJ
hassl-3090	291	4	economy	economy	NOUN
hassl-3090	291	5	and	and	CCONJ
hassl-3090	291	6	entrepreneurship	entrepreneurship	NOUN
hassl-3090	291	7	.	.	PUNCT
hassl-3090	292	1	jordan	jordan	PROPN
hassl-3090	292	2	.	.	PUNCT
hassl-3090	292	3	retrieved	retrieve	VERB
hassl-3090	292	4	from	from	ADP
hassl-3090	292	5	:	:	PUNCT
hassl-3090	292	6	https://www.modee.gov.jo/ebv4.0/root_storage/en/1/jordan_digital_transformation_strategy_2020_english	https://www.modee.gov.jo/ebv4.0/root_storage/en/1/jordan_digital_transformation_strategy_2020_english	PROPN
hassl-3090	292	7	_	_	SYM
hassl-3090	292	8	unofficial_translation.pdf	unofficial_translation.pdf	NOUN
hassl-3090	292	9	.	.	PUNCT
hassl-3090	293	1	paul	paul	PROPN
hassl-3090	293	2	,	,	PUNCT
hassl-3090	293	3	l.	l.	PROPN
hassl-3090	293	4	r.	r.	PROPN
hassl-3090	293	5	,	,	PUNCT
hassl-3090	293	6	&	&	CCONJ
hassl-3090	293	7	madana	madana	PROPN
hassl-3090	293	8	,	,	PUNCT
hassl-3090	293	9	s.	s.	PROPN
hassl-3090	293	10	a.	a.	PROPN
hassl-3090	293	11	(	(	PUNCT
hassl-3090	293	12	2021	2021	NUM
hassl-3090	293	13	)	)	PUNCT
hassl-3090	293	14	.	.	PUNCT
hassl-3090	294	1	artificial	artificial	ADJ
hassl-3090	294	2	intelligence	intelligence	NOUN
hassl-3090	294	3	in	in	ADP
hassl-3090	294	4	predictive	predictive	ADJ
hassl-3090	294	5	analysis	analysis	NOUN
hassl-3090	294	6	of	of	ADP
hassl-3090	294	7	insurance	insurance	NOUN
hassl-3090	294	8	and	and	CCONJ
hassl-3090	294	9	banking	banking	NOUN
hassl-3090	294	10	.	.	PUNCT
hassl-3090	295	1	in	in	ADP
hassl-3090	295	2	:	:	PUNCT
hassl-3090	295	3	artificial	artificial	ADJ
hassl-3090	295	4	intelligence	intelligence	NOUN
hassl-3090	295	5	:	:	PUNCT
hassl-3090	295	6	fundamentals	fundamental	NOUN
hassl-3090	295	7	and	and	CCONJ
hassl-3090	295	8	applications	application	NOUN
hassl-3090	295	9	(	(	PUNCT
hassl-3090	295	10	1st	1st	ADJ
hassl-3090	295	11	ed	ed	NOUN
hassl-3090	295	12	.	.	PROPN
hassl-3090	295	13	):	):	PUNCT
hassl-3090	295	14	crc	crc	PROPN
hassl-3090	295	15	press	press	PROPN
hassl-3090	295	16	,	,	PUNCT
hassl-3090	295	17	taylor	taylor	PROPN
hassl-3090	295	18	and	and	CCONJ
hassl-3090	295	19	francis	francis	PROPN
hassl-3090	295	20	group	group	PROPN
hassl-3090	295	21	.	.	PUNCT
hassl-3090	296	1	plastino	plastino	PROPN
hassl-3090	296	2	,	,	PUNCT
hassl-3090	296	3	e.	e.	PROPN
hassl-3090	296	4	,	,	PUNCT
hassl-3090	296	5	&	&	CCONJ
hassl-3090	296	6	purdy	purdy	PROPN
hassl-3090	296	7	,	,	PUNCT
hassl-3090	296	8	m.	m.	NOUN
hassl-3090	296	9	(	(	PUNCT
hassl-3090	296	10	2018	2018	NUM
hassl-3090	296	11	)	)	PUNCT
hassl-3090	296	12	.	.	PUNCT
hassl-3090	297	1	game	game	NOUN
hassl-3090	297	2	changing	change	VERB
hassl-3090	297	3	value	value	NOUN
hassl-3090	297	4	from	from	ADP
hassl-3090	297	5	artificial	artificial	ADJ
hassl-3090	297	6	intelligence	intelligence	NOUN
hassl-3090	297	7	:	:	PUNCT
hassl-3090	297	8	eight	eight	NUM
hassl-3090	297	9	strategies	strategy	NOUN
hassl-3090	297	10	.	.	PUNCT
hassl-3090	298	1	strategy	strategy	NOUN
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hassl-3090	298	5	46(1	46(1	PROPN
hassl-3090	298	6	)	)	PUNCT
hassl-3090	298	7	,	,	PUNCT
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hassl-3090	298	10	:	:	PUNCT
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hassl-3090	298	12	.	.	PUNCT
hassl-3090	299	1	puschmann	puschmann	PROPN
hassl-3090	299	2	,	,	PUNCT
hassl-3090	299	3	t.	t.	PROPN
hassl-3090	299	4	(	(	PUNCT
hassl-3090	299	5	2017	2017	NUM
hassl-3090	299	6	)	)	PUNCT
hassl-3090	299	7	.	.	PUNCT
hassl-3090	300	1	fintech	fintech	NOUN
hassl-3090	300	2	.	.	PUNCT
hassl-3090	301	1	business	business	PROPN
hassl-3090	301	2	&	&	CCONJ
hassl-3090	301	3	information	information	PROPN
hassl-3090	301	4	systems	system	NOUN
hassl-3090	301	5	engineering	engineering	NOUN
hassl-3090	301	6	,	,	PUNCT
hassl-3090	301	7	59(1	59(1	NUM
hassl-3090	301	8	)	)	PUNCT
hassl-3090	301	9	,	,	PUNCT
hassl-3090	301	10	69	69	NUM
hassl-3090	301	11	-	-	SYM
hassl-3090	301	12	76	76	NUM
hassl-3090	301	13	.	.	PUNCT
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hassl-3090	302	2	,	,	PUNCT
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hassl-3090	302	4	(	(	PUNCT
hassl-3090	302	5	2016	2016	NUM
hassl-3090	302	6	)	)	PUNCT
hassl-3090	302	7	.	.	PUNCT
hassl-3090	303	1	pwc	pwc	PROPN
hassl-3090	303	2	’s	’s	PART
hassl-3090	303	3	global	global	ADJ
hassl-3090	303	4	data	datum	NOUN
hassl-3090	303	5	and	and	CCONJ
hassl-3090	303	6	analytics	analytic	NOUN
hassl-3090	303	7	survey	survey	VERB
hassl-3090	303	8	2016	2016	NUM
hassl-3090	303	9	,	,	PUNCT
hassl-3090	303	10	pwc	pwc	PROPN
hassl-3090	303	11	.	.	PROPN
hassl-3090	303	12	retrieved	retrieve	VERB
hassl-3090	303	13	from	from	ADP
hassl-3090	303	14	:	:	PUNCT
hassl-3090	303	15	https://www.pwc.com/us/en/services/consulting/analytics/big-decision-survey.html	https://www.pwc.com/us/en/services/consulting/analytics/big-decision-survey.html	PROPN
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hassl-3090	304	2	,	,	PUNCT
hassl-3090	304	3	t.	t.	PROPN
hassl-3090	304	4	r.	r.	PROPN
hassl-3090	304	5	,	,	PUNCT
hassl-3090	304	6	&	&	CCONJ
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hassl-3090	304	8	,	,	PUNCT
hassl-3090	304	9	x.	x.	NOUN
hassl-3090	304	10	(	(	PUNCT
hassl-3090	304	11	2020	2020	NUM
hassl-3090	304	12	)	)	PUNCT
hassl-3090	304	13	.	.	PUNCT
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hassl-3090	305	2	data	datum	NOUN
hassl-3090	305	3	and	and	CCONJ
hassl-3090	305	4	artificial	artificial	ADJ
hassl-3090	305	5	intelligence	intelligence	NOUN
hassl-3090	305	6	in	in	ADP
hassl-3090	305	7	the	the	DET
hassl-3090	305	8	banking	banking	NOUN
hassl-3090	305	9	industry	industry	NOUN
hassl-3090	305	10	.	.	PUNCT
hassl-3090	306	1	chapter	chapter	NOUN
hassl-3090	306	2	117	117	NUM
hassl-3090	306	3	in	in	ADP
hassl-3090	306	4	handbook	handbook	NOUN
hassl-3090	306	5	of	of	ADP
hassl-3090	306	6	financial	financial	ADJ
hassl-3090	306	7	econometrics	econometric	NOUN
hassl-3090	306	8	,	,	PUNCT
hassl-3090	306	9	statistics	statistic	NOUN
hassl-3090	306	10	and	and	CCONJ
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hassl-3090	306	12	learning	learning	NOUN
hassl-3090	306	13	,	,	PUNCT
hassl-3090	306	14	4025	4025	NUM
hassl-3090	306	15	-	-	SYM
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hassl-3090	306	17	.	.	PUNCT
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hassl-3090	307	2	,	,	PUNCT
hassl-3090	307	3	l.	l.	PROPN
hassl-3090	307	4	,	,	PUNCT
hassl-3090	307	5	dolata	dolata	PROPN
hassl-3090	307	6	,	,	PUNCT
hassl-3090	307	7	m.	m.	NOUN
hassl-3090	307	8	,	,	PUNCT
hassl-3090	307	9	&	&	CCONJ
hassl-3090	307	10	schwabe	schwabe	PROPN
hassl-3090	307	11	,	,	PUNCT
hassl-3090	307	12	g.	g.	PROPN
hassl-3090	307	13	(	(	PUNCT
hassl-3090	307	14	2016	2016	NUM
hassl-3090	307	15	)	)	PUNCT
hassl-3090	307	16	.	.	PUNCT
hassl-3090	308	1	fintech	fintech	NOUN
hassl-3090	308	2	transformation	transformation	NOUN
hassl-3090	308	3	:	:	PUNCT
hassl-3090	308	4	how	how	SCONJ
hassl-3090	308	5	it	it	PRON
hassl-3090	308	6	-	-	PUNCT
hassl-3090	308	7	enabled	enable	VERB
hassl-3090	308	8	innovations	innovation	NOUN
hassl-3090	308	9	shape	shape	VERB
hassl-3090	308	10	the	the	DET
hassl-3090	308	11	financial	financial	ADJ
hassl-3090	308	12	sector	sector	NOUN
hassl-3090	308	13	,	,	PUNCT
hassl-3090	308	14	in	in	ADP
hassl-3090	308	15	financecom	financecom	X
hassl-3090	308	16	(	(	PUNCT
hassl-3090	308	17	pp	pp	ADJ
hassl-3090	308	18	.	.	PUNCT
hassl-3090	309	1	75	75	NUM
hassl-3090	309	2	-	-	SYM
hassl-3090	309	3	88	88	NUM
hassl-3090	309	4	)	)	PUNCT
hassl-3090	309	5	.	.	PUNCT
hassl-3090	310	1	cham	cham	PROPN
hassl-3090	310	2	:	:	PUNCT
hassl-3090	310	3	springer	springer	NOUN
hassl-3090	310	4	.	.	PUNCT
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hassl-3090	311	2	and	and	CCONJ
hassl-3090	311	3	opinions	opinion	NOUN
hassl-3090	311	4	expressed	express	VERB
hassl-3090	311	5	in	in	ADP
hassl-3090	311	6	this	this	DET
hassl-3090	311	7	article	article	NOUN
hassl-3090	311	8	are	be	AUX
hassl-3090	311	9	the	the	DET
hassl-3090	311	10	views	view	NOUN
hassl-3090	311	11	and	and	CCONJ
hassl-3090	311	12	opinions	opinion	NOUN
hassl-3090	311	13	of	of	ADP
hassl-3090	311	14	the	the	DET
hassl-3090	311	15	author(s	author(s	NOUN
hassl-3090	311	16	)	)	PUNCT
hassl-3090	311	17	,	,	PUNCT
hassl-3090	311	18	humanities	humanity	NOUN
hassl-3090	311	19	and	and	CCONJ
hassl-3090	311	20	social	social	ADJ
hassl-3090	311	21	sciences	science	NOUN
hassl-3090	311	22	letters	letter	NOUN
hassl-3090	311	23	shall	shall	AUX
hassl-3090	311	24	not	not	PART
hassl-3090	311	25	be	be	AUX
hassl-3090	311	26	responsible	responsible	ADJ
hassl-3090	311	27	or	or	CCONJ
hassl-3090	311	28	answerable	answerable	ADJ
hassl-3090	311	29	for	for	ADP
hassl-3090	311	30	any	any	DET
hassl-3090	311	31	loss	loss	NOUN
hassl-3090	311	32	,	,	PUNCT
hassl-3090	311	33	damage	damage	NOUN
hassl-3090	311	34	or	or	CCONJ
hassl-3090	311	35	liability	liability	NOUN
hassl-3090	311	36	etc	etc	X
hassl-3090	311	37	.	.	X
hassl-3090	311	38	caused	cause	VERB
hassl-3090	311	39	in	in	ADP
hassl-3090	311	40	relation	relation	NOUN
hassl-3090	311	41	to	to	PART
hassl-3090	311	42	/	/	PUNCT
hassl-3090	311	43	arising	arise	VERB
hassl-3090	311	44	out	out	ADP
hassl-3090	311	45	of	of	ADP
hassl-3090	311	46	the	the	DET
hassl-3090	311	47	use	use	NOUN
hassl-3090	311	48	of	of	ADP
hassl-3090	311	49	the	the	DET
hassl-3090	311	50	content	content	NOUN
hassl-3090	311	51	.	.	PUNCT
hassl-3090	312	1	http://www.modee.gov.jo/ebv4.0/root_storage/en/1/jordan_digital_transformation_strategy_2020_english_unofficial_translation.pdf	http://www.modee.gov.jo/ebv4.0/root_storage/en/1/jordan_digital_transformation_strategy_2020_english_unofficial_translation.pdf	PROPN
hassl-3090	312	2	http://www.modee.gov.jo/ebv4.0/root_storage/en/1/jordan_digital_transformation_strategy_2020_english_unofficial_translation.pdf	http://www.modee.gov.jo/ebv4.0/root_storage/en/1/jordan_digital_transformation_strategy_2020_english_unofficial_translation.pdf	PROPN
hassl-3090	312	3	http://www.pwc.com/us/en/services/consulting/analytics/big-decision-survey.html	http://www.pwc.com/us/en/services/consulting/analytics/big-decision-survey.html	PROPN