id	sid	tid	token	lemma	pos
hassl-3661	1	1	176	176	NUM
hassl-3661	1	2	©	©	PROPN
hassl-3661	1	3	2024	2024	NUM
hassl-3661	1	4	conscientia	conscientia	PROPN
hassl-3661	1	5	beam	beam	PROPN
hassl-3661	1	6	.	.	PUNCT
hassl-3661	2	1	all	all	DET
hassl-3661	2	2	rights	right	NOUN
hassl-3661	2	3	reserved	reserve	VERB
hassl-3661	2	4	.	.	PUNCT
hassl-3661	3	1	the	the	DET
hassl-3661	3	2	influence	influence	NOUN
hassl-3661	3	3	of	of	ADP
hassl-3661	3	4	financial	financial	ADJ
hassl-3661	3	5	technology	technology	NOUN
hassl-3661	3	6	on	on	ADP
hassl-3661	3	7	profitability	profitability	NOUN
hassl-3661	3	8	in	in	ADP
hassl-3661	3	9	jordanian	jordanian	ADJ
hassl-3661	3	10	commercial	commercial	ADJ
hassl-3661	3	11	banks	bank	NOUN
hassl-3661	3	12	baker	baker	PROPN
hassl-3661	3	13	akram	akram	PROPN
hassl-3661	3	14	falah	falah	PROPN
hassl-3661	3	15	jarah1	jarah1	PROPN
hassl-3661	3	16	mohammad	mohammad	PROPN
hassl-3661	3	17	yousef	yousef	PROPN
hassl-3661	3	18	alghadi2	alghadi2	PROPN
hassl-3661	3	19	murad	murad	PROPN
hassl-3661	3	20	ali	ali	PROPN
hassl-3661	3	21	ahmad	ahmad	PROPN
hassl-3661	3	22	al	al	PROPN
hassl-3661	3	23	-	-	PROPN
hassl-3661	3	24	zaqeba3	zaqeba3	PROPN
hassl-3661	3	25	+	+	CCONJ
hassl-3661	3	26	mohamed	mohamed	PROPN
hassl-3661	3	27	ibrahim	ibrahim	PROPN
hassl-3661	3	28	mugableh4	mugableh4	PROPN
hassl-3661	3	29	belal	belal	PROPN
hassl-3661	3	30	zaqaibeh5	zaqaibeh5	PROPN
hassl-3661	3	31	1faculty	1faculty	NUM
hassl-3661	3	32	of	of	ADP
hassl-3661	3	33	business	business	NOUN
hassl-3661	3	34	,	,	PUNCT
hassl-3661	3	35	amman	amman	PROPN
hassl-3661	3	36	arab	arab	PROPN
hassl-3661	3	37	university	university	PROPN
hassl-3661	3	38	;	;	PUNCT
hassl-3661	3	39	amman	amman	PROPN
hassl-3661	3	40	11953	11953	NUM
hassl-3661	3	41	,	,	PUNCT
hassl-3661	3	42	jordan	jordan	PROPN
hassl-3661	3	43	.	.	PUNCT
hassl-3661	4	1	email	email	NOUN
hassl-3661	4	2	:	:	PUNCT
hassl-3661	4	3	dr.baker@aau.edu.jo	dr.baker@aau.edu.jo	PROPN
hassl-3661	4	4	2department	2department	NUM
hassl-3661	4	5	of	of	ADP
hassl-3661	4	6	finance	finance	NOUN
hassl-3661	4	7	and	and	CCONJ
hassl-3661	4	8	economics	economic	NOUN
hassl-3661	4	9	science	science	NOUN
hassl-3661	4	10	,	,	PUNCT
hassl-3661	4	11	irbid	irbid	VERB
hassl-3661	4	12	national	national	ADJ
hassl-3661	4	13	university	university	PROPN
hassl-3661	4	14	,	,	PUNCT
hassl-3661	4	15	jordan	jordan	PROPN
hassl-3661	4	16	.	.	PUNCT
hassl-3661	5	1	email	email	NOUN
hassl-3661	5	2	:	:	PUNCT
hassl-3661	5	3	mohammad.algadi@yahoo.com	mohammad.algadi@yahoo.com	X
hassl-3661	5	4	3faculty	3faculty	NUM
hassl-3661	5	5	of	of	ADP
hassl-3661	5	6	economics	economic	NOUN
hassl-3661	5	7	and	and	CCONJ
hassl-3661	5	8	muamalat	muamalat	NOUN
hassl-3661	5	9	,	,	PUNCT
hassl-3661	5	10	universiti	universiti	PROPN
hassl-3661	5	11	sains	sain	VERB
hassl-3661	5	12	islam	islam	PROPN
hassl-3661	5	13	malaysia	malaysia	PROPN
hassl-3661	5	14	.	.	PUNCT
hassl-3661	6	1	nilai	nilai	PROPN
hassl-3661	6	2	,	,	PUNCT
hassl-3661	6	3	negeri	negeri	PROPN
hassl-3661	6	4	sembilan	sembilan	PROPN
hassl-3661	6	5	,	,	PUNCT
hassl-3661	6	6	malaysia	malaysia	PROPN
hassl-3661	6	7	.	.	PUNCT
hassl-3661	6	8	email	email	NOUN
hassl-3661	6	9	:	:	PUNCT
hassl-3661	6	10	murad.ali@usim.edu.my	murad.ali@usim.edu.my	PROPN
hassl-3661	6	11	4faculty	4faculty	PROPN
hassl-3661	6	12	of	of	ADP
hassl-3661	6	13	administrative	administrative	ADJ
hassl-3661	6	14	and	and	CCONJ
hassl-3661	6	15	financial	financial	ADJ
hassl-3661	6	16	sciences	science	NOUN
hassl-3661	6	17	,	,	PUNCT
hassl-3661	6	18	irbid	irbid	ADJ
hassl-3661	6	19	national	national	ADJ
hassl-3661	6	20	university	university	PROPN
hassl-3661	6	21	,	,	PUNCT
hassl-3661	6	22	irbid	irbid	VERB
hassl-3661	6	23	21110	21110	NUM
hassl-3661	6	24	,	,	PUNCT
hassl-3661	6	25	jordan	jordan	PROPN
hassl-3661	6	26	.	.	PUNCT
hassl-3661	7	1	email	email	NOUN
hassl-3661	7	2	:	:	PUNCT
hassl-3661	7	3	dr.magableh@inu.edu.jo	dr.magableh@inu.edu.jo	PROPN
hassl-3661	7	4	5faculty	5faculty	NUM
hassl-3661	7	5	of	of	ADP
hassl-3661	7	6	science	science	NOUN
hassl-3661	7	7	and	and	CCONJ
hassl-3661	7	8	information	information	NOUN
hassl-3661	7	9	technology	technology	NOUN
hassl-3661	7	10	,	,	PUNCT
hassl-3661	7	11	jadara	jadara	PROPN
hassl-3661	7	12	university	university	PROPN
hassl-3661	7	13	,	,	PUNCT
hassl-3661	7	14	irbid	irbid	VERB
hassl-3661	7	15	21110	21110	NUM
hassl-3661	7	16	,	,	PUNCT
hassl-3661	7	17	jordan	jordan	PROPN
hassl-3661	7	18	.	.	PUNCT
hassl-3661	8	1	email	email	NOUN
hassl-3661	8	2	:	:	PUNCT
hassl-3661	8	3	zaqaibeh@jadara.edu.jo	zaqaibeh@jadara.edu.jo	NOUN
hassl-3661	8	4	(	(	PUNCT
hassl-3661	8	5	+	+	CCONJ
hassl-3661	8	6	corresponding	correspond	VERB
hassl-3661	8	7	author	author	NOUN
hassl-3661	8	8	)	)	PUNCT
hassl-3661	8	9	abstract	abstract	ADJ
hassl-3661	8	10	article	article	NOUN
hassl-3661	8	11	history	history	NOUN
hassl-3661	8	12	received	receive	VERB
hassl-3661	8	13	:	:	PUNCT
hassl-3661	8	14	15	15	NUM
hassl-3661	8	15	september	september	PROPN
hassl-3661	8	16	2023	2023	NUM
hassl-3661	8	17	revised	revise	VERB
hassl-3661	8	18	:	:	PUNCT
hassl-3661	8	19	19	19	NUM
hassl-3661	8	20	january	january	NOUN
hassl-3661	8	21	2024	2024	NUM
hassl-3661	8	22	accepted	accept	VERB
hassl-3661	8	23	:	:	PUNCT
hassl-3661	8	24	12	12	NUM
hassl-3661	8	25	february	february	NOUN
hassl-3661	8	26	2024	2024	NUM
hassl-3661	8	27	published	publish	VERB
hassl-3661	8	28	:	:	PUNCT
hassl-3661	8	29	28	28	NUM
hassl-3661	8	30	february	february	NOUN
hassl-3661	8	31	2024	2024	NUM
hassl-3661	8	32	keywords	keyword	NOUN
hassl-3661	8	33	banking	banking	NOUN
hassl-3661	8	34	financing	financing	NOUN
hassl-3661	8	35	fintech	fintech	NOUN
hassl-3661	8	36	jordan	jordan	PROPN
hassl-3661	8	37	lending	lending	NOUN
hassl-3661	8	38	concern	concern	NOUN
hassl-3661	8	39	money	money	NOUN
hassl-3661	8	40	transfer	transfer	NOUN
hassl-3661	8	41	profitability	profitability	NOUN
hassl-3661	8	42	.	.	PUNCT
hassl-3661	9	1	the	the	DET
hassl-3661	9	2	aim	aim	NOUN
hassl-3661	9	3	of	of	ADP
hassl-3661	9	4	this	this	DET
hassl-3661	9	5	study	study	NOUN
hassl-3661	9	6	is	be	AUX
hassl-3661	9	7	to	to	PART
hassl-3661	9	8	identify	identify	VERB
hassl-3661	9	9	the	the	DET
hassl-3661	9	10	influence	influence	NOUN
hassl-3661	9	11	of	of	ADP
hassl-3661	9	12	financial	financial	ADJ
hassl-3661	9	13	technology	technology	NOUN
hassl-3661	9	14	(	(	PUNCT
hassl-3661	9	15	fintech	fintech	NOUN
hassl-3661	9	16	)	)	PUNCT
hassl-3661	9	17	on	on	ADP
hassl-3661	9	18	profitability	profitability	NOUN
hassl-3661	9	19	in	in	ADP
hassl-3661	9	20	jordanian	jordanian	ADJ
hassl-3661	9	21	commercial	commercial	ADJ
hassl-3661	9	22	banks	bank	NOUN
hassl-3661	9	23	.	.	PUNCT
hassl-3661	10	1	the	the	DET
hassl-3661	10	2	convenience	convenience	NOUN
hassl-3661	10	3	sample	sample	NOUN
hassl-3661	10	4	was	be	AUX
hassl-3661	10	5	surveyed	survey	VERB
hassl-3661	10	6	using	use	VERB
hassl-3661	10	7	a	a	DET
hassl-3661	10	8	descriptive	descriptive	ADJ
hassl-3661	10	9	cross	cross	ADJ
hassl-3661	10	10	-	-	ADJ
hassl-3661	10	11	sectional	sectional	ADJ
hassl-3661	10	12	approach	approach	NOUN
hassl-3661	10	13	.	.	PUNCT
hassl-3661	11	1	questionnaires	questionnaire	NOUN
hassl-3661	11	2	were	be	AUX
hassl-3661	11	3	used	use	VERB
hassl-3661	11	4	to	to	PART
hassl-3661	11	5	collect	collect	VERB
hassl-3661	11	6	the	the	DET
hassl-3661	11	7	data	datum	NOUN
hassl-3661	11	8	.	.	PUNCT
hassl-3661	12	1	the	the	DET
hassl-3661	12	2	study	study	NOUN
hassl-3661	12	3	population	population	NOUN
hassl-3661	12	4	consists	consist	VERB
hassl-3661	12	5	of	of	ADP
hassl-3661	12	6	commercial	commercial	ADJ
hassl-3661	12	7	banks	bank	NOUN
hassl-3661	12	8	.	.	PUNCT
hassl-3661	13	1	the	the	DET
hassl-3661	13	2	tool	tool	NOUN
hassl-3661	13	3	was	be	AUX
hassl-3661	13	4	sent	send	VERB
hassl-3661	13	5	to	to	ADP
hassl-3661	13	6	employees	employee	NOUN
hassl-3661	13	7	of	of	ADP
hassl-3661	13	8	all	all	DET
hassl-3661	13	9	jordanian	jordanian	ADJ
hassl-3661	13	10	commercial	commercial	ADJ
hassl-3661	13	11	banks	bank	NOUN
hassl-3661	13	12	through	through	ADP
hassl-3661	13	13	email	email	NOUN
hassl-3661	13	14	,	,	PUNCT
hassl-3661	13	15	facebook	facebook	NOUN
hassl-3661	13	16	and	and	CCONJ
hassl-3661	13	17	twitter	twitter	VERB
hassl-3661	13	18	in	in	ADP
hassl-3661	13	19	order	order	NOUN
hassl-3661	13	20	to	to	PART
hassl-3661	13	21	meet	meet	VERB
hassl-3661	13	22	the	the	DET
hassl-3661	13	23	researchers	researcher	NOUN
hassl-3661	13	24	'	'	PART
hassl-3661	13	25	target	target	NOUN
hassl-3661	13	26	sample	sample	NOUN
hassl-3661	13	27	size	size	NOUN
hassl-3661	13	28	of	of	ADP
hassl-3661	13	29	at	at	ADV
hassl-3661	13	30	least	least	ADV
hassl-3661	13	31	381	381	NUM
hassl-3661	13	32	participants	participant	NOUN
hassl-3661	13	33	.	.	PUNCT
hassl-3661	14	1	the	the	DET
hassl-3661	14	2	data	datum	NOUN
hassl-3661	14	3	was	be	AUX
hassl-3661	14	4	analyzed	analyze	VERB
hassl-3661	14	5	using	use	VERB
hassl-3661	14	6	the	the	DET
hassl-3661	14	7	statistical	statistical	ADJ
hassl-3661	14	8	package	package	NOUN
hassl-3661	14	9	for	for	ADP
hassl-3661	14	10	social	social	ADJ
hassl-3661	14	11	sciences	science	NOUN
hassl-3661	14	12	(	(	PUNCT
hassl-3661	14	13	spss	spss	PROPN
hassl-3661	14	14	)	)	PUNCT
hassl-3661	14	15	version	version	NOUN
hassl-3661	14	16	24	24	NUM
hassl-3661	14	17	.	.	PUNCT
hassl-3661	15	1	the	the	DET
hassl-3661	15	2	results	result	NOUN
hassl-3661	15	3	showed	show	VERB
hassl-3661	15	4	an	an	DET
hassl-3661	15	5	impact	impact	NOUN
hassl-3661	15	6	of	of	ADP
hassl-3661	15	7	financial	financial	ADJ
hassl-3661	15	8	technology	technology	NOUN
hassl-3661	15	9	(	(	PUNCT
hassl-3661	15	10	financing	financing	NOUN
hassl-3661	15	11	,	,	PUNCT
hassl-3661	15	12	money	money	NOUN
hassl-3661	15	13	transfers	transfer	NOUN
hassl-3661	15	14	and	and	CCONJ
hassl-3661	15	15	lending	lending	NOUN
hassl-3661	15	16	)	)	PUNCT
hassl-3661	15	17	on	on	ADP
hassl-3661	15	18	banks	bank	NOUN
hassl-3661	15	19	'	'	PART
hassl-3661	15	20	profitability	profitability	NOUN
hassl-3661	15	21	.	.	PUNCT
hassl-3661	16	1	the	the	DET
hassl-3661	16	2	results	result	NOUN
hassl-3661	16	3	of	of	ADP
hassl-3661	16	4	this	this	DET
hassl-3661	16	5	study	study	NOUN
hassl-3661	16	6	demonstrate	demonstrate	VERB
hassl-3661	16	7	that	that	SCONJ
hassl-3661	16	8	the	the	DET
hassl-3661	16	9	adoption	adoption	NOUN
hassl-3661	16	10	of	of	ADP
hassl-3661	16	11	fintech	fintech	NOUN
hassl-3661	16	12	solutions	solution	NOUN
hassl-3661	16	13	by	by	ADP
hassl-3661	16	14	banks	bank	NOUN
hassl-3661	16	15	has	have	VERB
hassl-3661	16	16	a	a	DET
hassl-3661	16	17	significant	significant	ADJ
hassl-3661	16	18	impact	impact	NOUN
hassl-3661	16	19	on	on	ADP
hassl-3661	16	20	their	their	PRON
hassl-3661	16	21	profitability	profitability	NOUN
hassl-3661	16	22	and	and	CCONJ
hassl-3661	16	23	position	position	NOUN
hassl-3661	16	24	.	.	PUNCT
hassl-3661	17	1	financing	financing	NOUN
hassl-3661	17	2	,	,	PUNCT
hassl-3661	17	3	money	money	NOUN
hassl-3661	17	4	transfer	transfer	NOUN
hassl-3661	17	5	and	and	CCONJ
hassl-3661	17	6	lending	lending	NOUN
hassl-3661	17	7	are	be	AUX
hassl-3661	17	8	crucial	crucial	ADJ
hassl-3661	17	9	in	in	ADP
hassl-3661	17	10	determining	determine	VERB
hassl-3661	17	11	a	a	DET
hassl-3661	17	12	bank	bank	NOUN
hassl-3661	17	13	's	's	PART
hassl-3661	17	14	profitability	profitability	NOUN
hassl-3661	17	15	and	and	CCONJ
hassl-3661	17	16	overall	overall	ADJ
hassl-3661	17	17	success	success	NOUN
hassl-3661	17	18	.	.	PUNCT
hassl-3661	18	1	therefore	therefore	ADV
hassl-3661	18	2	,	,	PUNCT
hassl-3661	18	3	this	this	DET
hassl-3661	18	4	study	study	NOUN
hassl-3661	18	5	contributed	contribute	VERB
hassl-3661	18	6	to	to	ADP
hassl-3661	18	7	the	the	DET
hassl-3661	18	8	growth	growth	NOUN
hassl-3661	18	9	of	of	ADP
hassl-3661	18	10	a	a	DET
hassl-3661	18	11	new	new	ADJ
hassl-3661	18	12	model	model	NOUN
hassl-3661	18	13	that	that	PRON
hassl-3661	18	14	connects	connect	VERB
hassl-3661	18	15	financial	financial	ADJ
hassl-3661	18	16	technology	technology	NOUN
hassl-3661	18	17	through	through	ADP
hassl-3661	18	18	financing	financing	NOUN
hassl-3661	18	19	,	,	PUNCT
hassl-3661	18	20	money	money	NOUN
hassl-3661	18	21	transfers	transfer	NOUN
hassl-3661	18	22	and	and	CCONJ
hassl-3661	18	23	lending	lending	NOUN
hassl-3661	18	24	to	to	ADP
hassl-3661	18	25	profitability	profitability	NOUN
hassl-3661	18	26	and	and	CCONJ
hassl-3661	18	27	it	it	PRON
hassl-3661	18	28	added	add	VERB
hassl-3661	18	29	many	many	ADJ
hassl-3661	18	30	topics	topic	NOUN
hassl-3661	18	31	related	relate	VERB
hassl-3661	18	32	to	to	ADP
hassl-3661	18	33	financial	financial	ADJ
hassl-3661	18	34	accounting	accounting	NOUN
hassl-3661	18	35	technology	technology	NOUN
hassl-3661	18	36	for	for	ADP
hassl-3661	18	37	increasing	increase	VERB
hassl-3661	18	38	profitability	profitability	NOUN
hassl-3661	18	39	in	in	ADP
hassl-3661	18	40	jordanian	jordanian	ADJ
hassl-3661	18	41	commercial	commercial	ADJ
hassl-3661	18	42	banks	bank	NOUN
hassl-3661	18	43	.	.	PUNCT
hassl-3661	19	1	contribution	contribution	NOUN
hassl-3661	19	2	/	/	SYM
hassl-3661	19	3	originality	originality	NOUN
hassl-3661	19	4	:	:	PUNCT
hassl-3661	19	5	this	this	DET
hassl-3661	19	6	study	study	NOUN
hassl-3661	19	7	is	be	AUX
hassl-3661	19	8	unique	unique	ADJ
hassl-3661	19	9	in	in	ADP
hassl-3661	19	10	the	the	DET
hassl-3661	19	11	adoption	adoption	NOUN
hassl-3661	19	12	of	of	ADP
hassl-3661	19	13	financial	financial	ADJ
hassl-3661	19	14	technology	technology	NOUN
hassl-3661	19	15	and	and	CCONJ
hassl-3661	19	16	the	the	DET
hassl-3661	19	17	profitability	profitability	NOUN
hassl-3661	19	18	of	of	ADP
hassl-3661	19	19	banks	bank	NOUN
hassl-3661	19	20	in	in	ADP
hassl-3661	19	21	jordan	jordan	PROPN
hassl-3661	19	22	by	by	ADP
hassl-3661	19	23	presenting	present	VERB
hassl-3661	19	24	a	a	DET
hassl-3661	19	25	new	new	ADJ
hassl-3661	19	26	model	model	NOUN
hassl-3661	19	27	to	to	PART
hassl-3661	19	28	suit	suit	VERB
hassl-3661	19	29	the	the	DET
hassl-3661	19	30	requirements	requirement	NOUN
hassl-3661	19	31	of	of	ADP
hassl-3661	19	32	jordanian	jordanian	ADJ
hassl-3661	19	33	commercial	commercial	ADJ
hassl-3661	19	34	banks	bank	NOUN
hassl-3661	19	35	.	.	PUNCT
hassl-3661	20	1	it	it	PRON
hassl-3661	20	2	also	also	ADV
hassl-3661	20	3	includes	include	VERB
hassl-3661	20	4	financial	financial	ADJ
hassl-3661	20	5	accounting	accounting	NOUN
hassl-3661	20	6	technologies	technology	NOUN
hassl-3661	20	7	such	such	ADJ
hassl-3661	20	8	as	as	ADP
hassl-3661	20	9	equity	equity	NOUN
hassl-3661	20	10	financing	financing	NOUN
hassl-3661	20	11	and	and	CCONJ
hassl-3661	20	12	accounts	account	VERB
hassl-3661	20	13	receivable	receivable	ADJ
hassl-3661	20	14	as	as	ADP
hassl-3661	20	15	a	a	DET
hassl-3661	20	16	means	means	NOUN
hassl-3661	20	17	of	of	ADP
hassl-3661	20	18	diversifying	diversify	VERB
hassl-3661	20	19	funding	funding	NOUN
hassl-3661	20	20	sources	source	NOUN
hassl-3661	20	21	.	.	PUNCT
hassl-3661	21	1	1	1	X
hassl-3661	21	2	.	.	X
hassl-3661	21	3	introduction	introduction	NOUN
hassl-3661	21	4	the	the	DET
hassl-3661	21	5	growth	growth	NOUN
hassl-3661	21	6	of	of	ADP
hassl-3661	21	7	fintech	fintech	NOUN
hassl-3661	21	8	has	have	AUX
hassl-3661	21	9	been	be	AUX
hassl-3661	21	10	greatly	greatly	ADV
hassl-3661	21	11	accelerated	accelerate	VERB
hassl-3661	21	12	by	by	ADP
hassl-3661	21	13	the	the	DET
hassl-3661	21	14	digital	digital	PROPN
hassl-3661	21	15	revolution	revolution	NOUN
hassl-3661	21	16	which	which	PRON
hassl-3661	21	17	is	be	AUX
hassl-3661	21	18	also	also	ADV
hassl-3661	21	19	accompanied	accompany	VERB
hassl-3661	21	20	by	by	ADP
hassl-3661	21	21	improvements	improvement	NOUN
hassl-3661	21	22	in	in	ADP
hassl-3661	21	23	communication	communication	NOUN
hassl-3661	21	24	technology	technology	NOUN
hassl-3661	21	25	and	and	CCONJ
hassl-3661	21	26	widespread	widespread	ADJ
hassl-3661	21	27	internet	internet	NOUN
hassl-3661	21	28	usage	usage	NOUN
hassl-3661	21	29	(	(	PUNCT
hassl-3661	21	30	al	al	PROPN
hassl-3661	21	31	-	-	PUNCT
hassl-3661	21	32	zaqeba	zaqeba	PROPN
hassl-3661	21	33	,	,	PUNCT
hassl-3661	21	34	abdul	abdul	PROPN
hassl-3661	21	35	hamid	hamid	PROPN
hassl-3661	21	36	,	,	PUNCT
hassl-3661	21	37	ineizeh	ineizeh	PROPN
hassl-3661	21	38	,	,	PUNCT
hassl-3661	21	39	hussein	hussein	PROPN
hassl-3661	21	40	,	,	PUNCT
hassl-3661	21	41	&	&	CCONJ
hassl-3661	21	42	albawwat	albawwat	NOUN
hassl-3661	21	43	,	,	PUNCT
hassl-3661	21	44	2022	2022	NUM
hassl-3661	21	45	)	)	PUNCT
hassl-3661	21	46	.	.	PUNCT
hassl-3661	22	1	the	the	DET
hassl-3661	22	2	covid-19	covid-19	PROPN
hassl-3661	22	3	epidemic	epidemic	NOUN
hassl-3661	22	4	has	have	AUX
hassl-3661	22	5	accelerated	accelerate	VERB
hassl-3661	22	6	the	the	DET
hassl-3661	22	7	shift	shift	NOUN
hassl-3661	22	8	in	in	ADP
hassl-3661	22	9	which	which	PRON
hassl-3661	22	10	people	people	NOUN
hassl-3661	22	11	are	be	AUX
hassl-3661	22	12	more	more	ADV
hassl-3661	22	13	dependent	dependent	ADJ
hassl-3661	22	14	on	on	ADP
hassl-3661	22	15	digital	digital	ADJ
hassl-3661	22	16	services	service	NOUN
hassl-3661	22	17	for	for	ADP
hassl-3661	22	18	performing	perform	VERB
hassl-3661	22	19	financial	financial	ADJ
hassl-3661	22	20	transactions	transaction	NOUN
hassl-3661	22	21	as	as	ADP
hassl-3661	22	22	a	a	DET
hassl-3661	22	23	result	result	NOUN
hassl-3661	22	24	of	of	ADP
hassl-3661	22	25	social	social	ADJ
hassl-3661	22	26	isolation	isolation	NOUN
hassl-3661	22	27	measures	measure	NOUN
hassl-3661	22	28	and	and	CCONJ
hassl-3661	22	29	lockdowns	lockdown	NOUN
hassl-3661	22	30	(	(	PUNCT
hassl-3661	22	31	baker	baker	PROPN
hassl-3661	22	32	,	,	PUNCT
hassl-3661	22	33	kaddumi	kaddumi	PROPN
hassl-3661	22	34	,	,	PUNCT
hassl-3661	22	35	nassar	nassar	PROPN
hassl-3661	22	36	,	,	PUNCT
hassl-3661	22	37	&	&	CCONJ
hassl-3661	22	38	muqattash	muqattash	NOUN
hassl-3661	22	39	,	,	PUNCT
hassl-3661	22	40	2023	2023	NUM
hassl-3661	22	41	)	)	PUNCT
hassl-3661	22	42	.	.	PUNCT
hassl-3661	23	1	financial	financial	ADJ
hassl-3661	23	2	technology	technology	NOUN
hassl-3661	23	3	(	(	PUNCT
hassl-3661	23	4	fintech	fintech	NOUN
hassl-3661	23	5	)	)	PUNCT
hassl-3661	23	6	refers	refer	VERB
hassl-3661	23	7	to	to	ADP
hassl-3661	23	8	the	the	DET
hassl-3661	23	9	use	use	NOUN
hassl-3661	23	10	of	of	ADP
hassl-3661	23	11	humanities	humanity	NOUN
hassl-3661	23	12	and	and	CCONJ
hassl-3661	23	13	social	social	ADJ
hassl-3661	23	14	sciences	science	NOUN
hassl-3661	23	15	letters	letter	NOUN
hassl-3661	23	16	2024	2024	NUM
hassl-3661	23	17	vol	vol	NOUN
hassl-3661	23	18	.	.	PROPN
hassl-3661	24	1	12	12	NUM
hassl-3661	24	2	,	,	PUNCT
hassl-3661	24	3	no	no	INTJ
hassl-3661	24	4	.	.	NOUN
hassl-3661	24	5	2	2	NUM
hassl-3661	24	6	,	,	PUNCT
hassl-3661	24	7	pp	pp	ADJ
hassl-3661	24	8	.	.	PUNCT
hassl-3661	25	1	176	176	NUM
hassl-3661	25	2	-	-	SYM
hassl-3661	25	3	188	188	NUM
hassl-3661	25	4	issn(e	issn(e	NOUN
hassl-3661	25	5	):	):	PUNCT
hassl-3661	25	6	2312	2312	NUM
hassl-3661	25	7	-	-	SYM
hassl-3661	25	8	4318	4318	NUM
hassl-3661	25	9	issn(p	issn(p	NUM
hassl-3661	25	10	):	):	PUNCT
hassl-3661	25	11	2312	2312	NUM
hassl-3661	25	12	-	-	SYM
hassl-3661	25	13	5659	5659	NUM
hassl-3661	25	14	doi	doi	NOUN
hassl-3661	25	15	:	:	PUNCT
hassl-3661	25	16	10.18488/73.v12i2.3661	10.18488/73.v12i2.3661	PROPN
hassl-3661	25	17	©	©	PROPN
hassl-3661	25	18	2024	2024	NUM
hassl-3661	25	19	conscientia	conscientia	PROPN
hassl-3661	25	20	beam	beam	PROPN
hassl-3661	25	21	.	.	PUNCT
hassl-3661	26	1	all	all	DET
hassl-3661	26	2	rights	right	NOUN
hassl-3661	26	3	reserved	reserve	VERB
hassl-3661	26	4	.	.	PUNCT
hassl-3661	27	1	https://orcid.org/0000-0001-5257-0118	https://orcid.org/0000-0001-5257-0118	PROPN
hassl-3661	27	2	https://orcid.org/0000-0003-3957-9964	https://orcid.org/0000-0003-3957-9964	PROPN
hassl-3661	28	1	https://orcid.org/0000-0003-0746-912x	https://orcid.org/0000-0003-0746-912x	PROPN
hassl-3661	28	2	https://orcid.org/0000-0003-0623-5225	https://orcid.org/0000-0003-0623-5225	PROPN
hassl-3661	29	1	https://orcid.org/0000-0002-1517-3049	https://orcid.org/0000-0002-1517-3049	VERB
hassl-3661	29	2	mailto:dr.baker@aau.edu.jo	mailto:dr.baker@aau.edu.jo	ADJ
hassl-3661	29	3	mailto:mohammad.algadi@yahoo.com	mailto:mohammad.algadi@yahoo.com	X
hassl-3661	29	4	mailto:murad.ali@usim.edu.my	mailto:murad.ali@usim.edu.my	NOUN
hassl-3661	29	5	mailto:dr.magableh@inu.edu.jo	mailto:dr.magableh@inu.edu.jo	ADV
hassl-3661	29	6	mailto:zaqaibeh@jadara.edu.jo	mailto:zaqaibeh@jadara.edu.jo	PROPN
hassl-3661	29	7	https://www.doi.org/10.18488/73.v12i2.3661	https://www.doi.org/10.18488/73.v12i2.3661	PROPN
hassl-3661	29	8	humanities	humanity	NOUN
hassl-3661	29	9	and	and	CCONJ
hassl-3661	29	10	social	social	ADJ
hassl-3661	29	11	sciences	science	NOUN
hassl-3661	29	12	letters	letter	NOUN
hassl-3661	29	13	,	,	PUNCT
hassl-3661	29	14	2024	2024	NUM
hassl-3661	29	15	,	,	PUNCT
hassl-3661	29	16	12(2	12(2	NUM
hassl-3661	29	17	):	):	PUNCT
hassl-3661	29	18	176	176	NUM
hassl-3661	29	19	-	-	SYM
hassl-3661	29	20	188	188	NUM
hassl-3661	29	21	177	177	NUM
hassl-3661	29	22	©	©	PROPN
hassl-3661	29	23	2024	2024	NUM
hassl-3661	29	24	conscientia	conscientia	PROPN
hassl-3661	29	25	beam	beam	PROPN
hassl-3661	29	26	.	.	PUNCT
hassl-3661	30	1	all	all	DET
hassl-3661	30	2	rights	right	NOUN
hassl-3661	30	3	reserved	reserve	VERB
hassl-3661	30	4	.	.	PUNCT
hassl-3661	31	1	technology	technology	NOUN
hassl-3661	31	2	to	to	PART
hassl-3661	31	3	enhance	enhance	VERB
hassl-3661	31	4	the	the	DET
hassl-3661	31	5	delivery	delivery	NOUN
hassl-3661	31	6	of	of	ADP
hassl-3661	31	7	financial	financial	ADJ
hassl-3661	31	8	services	service	NOUN
hassl-3661	31	9	and	and	CCONJ
hassl-3661	31	10	improve	improve	VERB
hassl-3661	31	11	the	the	DET
hassl-3661	31	12	efficiency	efficiency	NOUN
hassl-3661	31	13	of	of	ADP
hassl-3661	31	14	financial	financial	ADJ
hassl-3661	31	15	institutions	institution	NOUN
hassl-3661	31	16	.	.	PUNCT
hassl-3661	32	1	in	in	ADP
hassl-3661	32	2	fact	fact	NOUN
hassl-3661	32	3	,	,	PUNCT
hassl-3661	32	4	many	many	ADJ
hassl-3661	32	5	financial	financial	ADJ
hassl-3661	32	6	organizations	organization	NOUN
hassl-3661	32	7	including	include	VERB
hassl-3661	32	8	prominent	prominent	ADJ
hassl-3661	32	9	banks	bank	NOUN
hassl-3661	32	10	are	be	AUX
hassl-3661	32	11	transitioning	transition	VERB
hassl-3661	32	12	from	from	ADP
hassl-3661	32	13	traditional	traditional	ADJ
hassl-3661	32	14	employment	employment	NOUN
hassl-3661	32	15	to	to	ADP
hassl-3661	32	16	digital	digital	ADJ
hassl-3661	32	17	labor	labor	NOUN
hassl-3661	32	18	.	.	PUNCT
hassl-3661	33	1	these	these	DET
hassl-3661	33	2	banks	bank	NOUN
hassl-3661	33	3	are	be	AUX
hassl-3661	33	4	implementing	implement	VERB
hassl-3661	33	5	state	state	NOUN
hassl-3661	33	6	-	-	PUNCT
hassl-3661	33	7	of	of	ADP
hassl-3661	33	8	-	-	PUNCT
hassl-3661	33	9	the	the	DET
hassl-3661	33	10	-	-	PUNCT
hassl-3661	33	11	art	art	NOUN
hassl-3661	33	12	digital	digital	ADJ
hassl-3661	33	13	banking	banking	NOUN
hassl-3661	33	14	systems	system	NOUN
hassl-3661	33	15	that	that	PRON
hassl-3661	33	16	facilitate	facilitate	VERB
hassl-3661	33	17	the	the	DET
hassl-3661	33	18	rapid	rapid	ADJ
hassl-3661	33	19	introduction	introduction	NOUN
hassl-3661	33	20	of	of	ADP
hassl-3661	33	21	new	new	ADJ
hassl-3661	33	22	services	service	NOUN
hassl-3661	33	23	(	(	PUNCT
hassl-3661	33	24	cho	cho	PROPN
hassl-3661	33	25	,	,	PUNCT
hassl-3661	33	26	lee	lee	PROPN
hassl-3661	33	27	,	,	PUNCT
hassl-3661	33	28	&	&	CCONJ
hassl-3661	33	29	song	song	NOUN
hassl-3661	33	30	,	,	PUNCT
hassl-3661	33	31	2016	2016	NUM
hassl-3661	33	32	)	)	PUNCT
hassl-3661	33	33	.	.	PUNCT
hassl-3661	34	1	therefore	therefore	ADV
hassl-3661	34	2	,	,	PUNCT
hassl-3661	34	3	it	it	PRON
hassl-3661	34	4	involves	involve	VERB
hassl-3661	34	5	the	the	DET
hassl-3661	34	6	utilization	utilization	NOUN
hassl-3661	34	7	of	of	ADP
hassl-3661	34	8	modern	modern	ADJ
hassl-3661	34	9	technology	technology	NOUN
hassl-3661	34	10	to	to	PART
hassl-3661	34	11	revolutionize	revolutionize	VERB
hassl-3661	34	12	the	the	DET
hassl-3661	34	13	provision	provision	NOUN
hassl-3661	34	14	of	of	ADP
hassl-3661	34	15	financial	financial	ADJ
hassl-3661	34	16	services	service	NOUN
hassl-3661	34	17	,	,	PUNCT
hassl-3661	34	18	encompassing	encompass	VERB
hassl-3661	34	19	online	online	ADJ
hassl-3661	34	20	platforms	platform	NOUN
hassl-3661	34	21	,	,	PUNCT
hassl-3661	34	22	mobile	mobile	ADJ
hassl-3661	34	23	payments	payment	NOUN
hassl-3661	34	24	,	,	PUNCT
hassl-3661	34	25	cloud	cloud	NOUN
hassl-3661	34	26	computing	computing	NOUN
hassl-3661	34	27	and	and	CCONJ
hassl-3661	34	28	other	other	ADJ
hassl-3661	34	29	cutting	cutting	NOUN
hassl-3661	34	30	-	-	PUNCT
hassl-3661	34	31	edge	edge	NOUN
hassl-3661	34	32	technologies	technology	NOUN
hassl-3661	34	33	(	(	PUNCT
hassl-3661	34	34	shubailat	shubailat	ADJ
hassl-3661	34	35	,	,	PUNCT
hassl-3661	34	36	al	al	PROPN
hassl-3661	34	37	-	-	PUNCT
hassl-3661	34	38	zaqeba	zaqeba	PROPN
hassl-3661	34	39	,	,	PUNCT
hassl-3661	34	40	madi	madi	PROPN
hassl-3661	34	41	,	,	PUNCT
hassl-3661	34	42	&	&	CCONJ
hassl-3661	34	43	khairi	khairi	PROPN
hassl-3661	34	44	,	,	PUNCT
hassl-3661	34	45	2024	2024	NUM
hassl-3661	34	46	)	)	PUNCT
hassl-3661	34	47	.	.	PUNCT
hassl-3661	35	1	the	the	DET
hassl-3661	35	2	financial	financial	ADJ
hassl-3661	35	3	services	service	NOUN
hassl-3661	35	4	technology	technology	PROPN
hassl-3661	35	5	consortium	consortium	NOUN
hassl-3661	35	6	was	be	AUX
hassl-3661	35	7	founded	found	VERB
hassl-3661	35	8	by	by	ADP
hassl-3661	35	9	citigroup	citigroup	NOUN
hassl-3661	35	10	in	in	ADP
hassl-3661	35	11	the	the	DET
hassl-3661	35	12	early	early	ADJ
hassl-3661	35	13	1990s	1990	NOUN
hassl-3661	35	14	but	but	CCONJ
hassl-3661	35	15	fintech	fintech	NOUN
hassl-3661	35	16	's	's	PART
hassl-3661	35	17	origins	origin	NOUN
hassl-3661	35	18	date	date	VERB
hassl-3661	35	19	far	far	ADV
hassl-3661	35	20	deeper	deeply	ADV
hassl-3661	35	21	(	(	PUNCT
hassl-3661	35	22	kalra	kalra	NOUN
hassl-3661	35	23	,	,	PUNCT
hassl-3661	35	24	2019	2019	NUM
hassl-3661	35	25	)	)	PUNCT
hassl-3661	35	26	.	.	PUNCT
hassl-3661	36	1	technology	technology	NOUN
hassl-3661	36	2	has	have	AUX
hassl-3661	36	3	been	be	AUX
hassl-3661	36	4	evolving	evolve	VERB
hassl-3661	36	5	in	in	ADP
hassl-3661	36	6	the	the	DET
hassl-3661	36	7	financial	financial	ADJ
hassl-3661	36	8	sector	sector	NOUN
hassl-3661	36	9	in	in	ADP
hassl-3661	36	10	many	many	ADJ
hassl-3661	36	11	years	year	NOUN
hassl-3661	36	12	with	with	ADP
hassl-3661	36	13	early	early	ADJ
hassl-3661	36	14	examples	example	NOUN
hassl-3661	36	15	including	include	VERB
hassl-3661	36	16	the	the	DET
hassl-3661	36	17	introduction	introduction	NOUN
hassl-3661	36	18	of	of	ADP
hassl-3661	36	19	atms	atms	PROPN
hassl-3661	36	20	and	and	CCONJ
hassl-3661	36	21	electronic	electronic	ADJ
hassl-3661	36	22	trading	trading	NOUN
hassl-3661	36	23	systems	system	NOUN
hassl-3661	36	24	(	(	PUNCT
hassl-3661	36	25	kriebel	kriebel	NOUN
hassl-3661	36	26	&	&	CCONJ
hassl-3661	36	27	debener	debener	NOUN
hassl-3661	36	28	,	,	PUNCT
hassl-3661	36	29	2019	2019	NUM
hassl-3661	36	30	)	)	PUNCT
hassl-3661	36	31	.	.	PUNCT
hassl-3661	37	1	furthermore	furthermore	ADV
hassl-3661	37	2	,	,	PUNCT
hassl-3661	37	3	fintech	fintech	NOUN
hassl-3661	37	4	's	's	PART
hassl-3661	37	5	rapid	rapid	ADJ
hassl-3661	37	6	development	development	NOUN
hassl-3661	37	7	can	can	AUX
hassl-3661	37	8	be	be	AUX
hassl-3661	37	9	observed	observe	VERB
hassl-3661	37	10	in	in	ADP
hassl-3661	37	11	its	its	PRON
hassl-3661	37	12	rise	rise	NOUN
hassl-3661	37	13	in	in	ADP
hassl-3661	37	14	several	several	ADJ
hassl-3661	37	15	industries	industry	NOUN
hassl-3661	37	16	such	such	ADJ
hassl-3661	37	17	as	as	ADP
hassl-3661	37	18	lending	lending	NOUN
hassl-3661	37	19	,	,	PUNCT
hassl-3661	37	20	personal	personal	ADJ
hassl-3661	37	21	finance	finance	NOUN
hassl-3661	37	22	,	,	PUNCT
hassl-3661	37	23	retail	retail	ADJ
hassl-3661	37	24	investing	investing	NOUN
hassl-3661	37	25	,	,	PUNCT
hassl-3661	37	26	crowdfunding	crowdfunding	NOUN
hassl-3661	37	27	,	,	PUNCT
hassl-3661	37	28	remittances	remittance	NOUN
hassl-3661	37	29	,	,	PUNCT
hassl-3661	37	30	startup	startup	NOUN
hassl-3661	37	31	payments	payment	NOUN
hassl-3661	37	32	and	and	CCONJ
hassl-3661	37	33	financial	financial	ADJ
hassl-3661	37	34	research	research	NOUN
hassl-3661	37	35	(	(	PUNCT
hassl-3661	37	36	nugroho	nugroho	PROPN
hassl-3661	37	37	&	&	CCONJ
hassl-3661	37	38	sugiyanto	sugiyanto	NOUN
hassl-3661	37	39	,	,	PUNCT
hassl-3661	37	40	2023	2023	NUM
hassl-3661	37	41	)	)	PUNCT
hassl-3661	37	42	.	.	PUNCT
hassl-3661	38	1	since	since	SCONJ
hassl-3661	38	2	the	the	DET
hassl-3661	38	3	public	public	NOUN
hassl-3661	38	4	's	's	PART
hassl-3661	38	5	demand	demand	NOUN
hassl-3661	38	6	for	for	ADP
hassl-3661	38	7	online	online	ADJ
hassl-3661	38	8	financial	financial	ADJ
hassl-3661	38	9	services	service	NOUN
hassl-3661	38	10	and	and	CCONJ
hassl-3661	38	11	the	the	DET
hassl-3661	38	12	use	use	NOUN
hassl-3661	38	13	of	of	ADP
hassl-3661	38	14	internet	internet	NOUN
hassl-3661	38	15	media	medium	NOUN
hassl-3661	38	16	to	to	PART
hassl-3661	38	17	access	access	VERB
hassl-3661	38	18	digital	digital	ADJ
hassl-3661	38	19	data	datum	NOUN
hassl-3661	38	20	is	be	AUX
hassl-3661	38	21	growing	grow	VERB
hassl-3661	38	22	,	,	PUNCT
hassl-3661	38	23	financial	financial	ADJ
hassl-3661	38	24	technology	technology	NOUN
hassl-3661	38	25	is	be	AUX
hassl-3661	38	26	being	be	AUX
hassl-3661	38	27	applied	apply	VERB
hassl-3661	38	28	to	to	PART
hassl-3661	38	29	improve	improve	VERB
hassl-3661	38	30	the	the	DET
hassl-3661	38	31	effectiveness	effectiveness	NOUN
hassl-3661	38	32	of	of	ADP
hassl-3661	38	33	operational	operational	ADJ
hassl-3661	38	34	activities	activity	NOUN
hassl-3661	38	35	and	and	CCONJ
hassl-3661	38	36	the	the	DET
hassl-3661	38	37	calibre	calibre	NOUN
hassl-3661	38	38	of	of	ADP
hassl-3661	38	39	bank	bank	NOUN
hassl-3661	38	40	services	service	NOUN
hassl-3661	38	41	provided	provide	VERB
hassl-3661	38	42	to	to	ADP
hassl-3661	38	43	its	its	PRON
hassl-3661	38	44	clients	client	NOUN
hassl-3661	38	45	(	(	PUNCT
hassl-3661	38	46	hassan	hassan	PROPN
hassl-3661	38	47	&	&	CCONJ
hassl-3661	38	48	misrina	misrina	PROPN
hassl-3661	38	49	,	,	PUNCT
hassl-3661	38	50	2021	2021	NUM
hassl-3661	38	51	)	)	PUNCT
hassl-3661	38	52	.	.	PUNCT
hassl-3661	39	1	as	as	ADP
hassl-3661	39	2	a	a	DET
hassl-3661	39	3	result	result	NOUN
hassl-3661	39	4	,	,	PUNCT
hassl-3661	39	5	the	the	DET
hassl-3661	39	6	increased	increase	VERB
hassl-3661	39	7	application	application	NOUN
hassl-3661	39	8	of	of	ADP
hassl-3661	39	9	technology	technology	NOUN
hassl-3661	39	10	and	and	CCONJ
hassl-3661	39	11	the	the	DET
hassl-3661	39	12	creation	creation	NOUN
hassl-3661	39	13	of	of	ADP
hassl-3661	39	14	new	new	ADJ
hassl-3661	39	15	channels	channel	NOUN
hassl-3661	39	16	for	for	ADP
hassl-3661	39	17	the	the	DET
hassl-3661	39	18	supply	supply	NOUN
hassl-3661	39	19	of	of	ADP
hassl-3661	39	20	financial	financial	ADJ
hassl-3661	39	21	services	service	NOUN
hassl-3661	39	22	contribute	contribute	VERB
hassl-3661	39	23	to	to	ADP
hassl-3661	39	24	an	an	DET
hassl-3661	39	25	increase	increase	NOUN
hassl-3661	39	26	in	in	ADP
hassl-3661	39	27	bank	bank	NOUN
hassl-3661	39	28	profit	profit	NOUN
hassl-3661	39	29	margins	margin	NOUN
hassl-3661	39	30	(	(	PUNCT
hassl-3661	39	31	pazarbasioglu	pazarbasioglu	NOUN
hassl-3661	39	32	et	et	PROPN
hassl-3661	39	33	al	al	PROPN
hassl-3661	39	34	.	.	PROPN
hassl-3661	39	35	,	,	PUNCT
hassl-3661	39	36	2020	2020	NUM
hassl-3661	39	37	)	)	PUNCT
hassl-3661	39	38	.	.	PUNCT
hassl-3661	40	1	on	on	ADP
hassl-3661	40	2	the	the	DET
hassl-3661	40	3	other	other	ADJ
hassl-3661	40	4	hand	hand	NOUN
hassl-3661	40	5	,	,	PUNCT
hassl-3661	40	6	there	there	PRON
hassl-3661	40	7	is	be	VERB
hassl-3661	40	8	evidence	evidence	NOUN
hassl-3661	40	9	that	that	SCONJ
hassl-3661	40	10	technological	technological	ADJ
hassl-3661	40	11	improvements	improvement	NOUN
hassl-3661	40	12	can	can	AUX
hassl-3661	40	13	reduce	reduce	VERB
hassl-3661	40	14	bank	bank	NOUN
hassl-3661	40	15	profitability	profitability	NOUN
hassl-3661	40	16	in	in	ADP
hassl-3661	40	17	some	some	DET
hassl-3661	40	18	nations	nation	NOUN
hassl-3661	40	19	(	(	PUNCT
hassl-3661	40	20	jebril	jebril	NOUN
hassl-3661	40	21	,	,	PUNCT
hassl-3661	40	22	almaslmani	almaslmani	PROPN
hassl-3661	40	23	,	,	PUNCT
hassl-3661	40	24	jarah	jarah	PROPN
hassl-3661	40	25	,	,	PUNCT
hassl-3661	40	26	mugableh	mugableh	NOUN
hassl-3661	40	27	,	,	PUNCT
hassl-3661	40	28	&	&	CCONJ
hassl-3661	40	29	zaqeeba	zaqeeba	PROPN
hassl-3661	40	30	,	,	PUNCT
hassl-3661	40	31	2023	2023	NUM
hassl-3661	40	32	)	)	PUNCT
hassl-3661	40	33	.	.	PUNCT
hassl-3661	41	1	banks	bank	NOUN
hassl-3661	41	2	are	be	AUX
hassl-3661	41	3	attempting	attempt	VERB
hassl-3661	41	4	to	to	PART
hassl-3661	41	5	improve	improve	VERB
hassl-3661	41	6	the	the	DET
hassl-3661	41	7	financial	financial	ADJ
hassl-3661	41	8	services	service	NOUN
hassl-3661	41	9	they	they	PRON
hassl-3661	41	10	offer	offer	VERB
hassl-3661	41	11	in	in	ADP
hassl-3661	41	12	reaction	reaction	NOUN
hassl-3661	41	13	to	to	ADP
hassl-3661	41	14	the	the	DET
hassl-3661	41	15	emergence	emergence	NOUN
hassl-3661	41	16	of	of	ADP
hassl-3661	41	17	fintech	fintech	NOUN
hassl-3661	41	18	especially	especially	ADV
hassl-3661	41	19	in	in	ADP
hassl-3661	41	20	the	the	DET
hassl-3661	41	21	context	context	NOUN
hassl-3661	41	22	of	of	ADP
hassl-3661	41	23	new	new	ADJ
hassl-3661	41	24	competitors	competitor	NOUN
hassl-3661	41	25	entering	enter	VERB
hassl-3661	41	26	the	the	DET
hassl-3661	41	27	market	market	NOUN
hassl-3661	41	28	that	that	PRON
hassl-3661	41	29	could	could	AUX
hassl-3661	41	30	negatively	negatively	ADV
hassl-3661	41	31	affect	affect	VERB
hassl-3661	41	32	bank	bank	NOUN
hassl-3661	41	33	profitability	profitability	NOUN
hassl-3661	41	34	(	(	PUNCT
hassl-3661	41	35	medyawati	medyawati	PROPN
hassl-3661	41	36	,	,	PUNCT
hassl-3661	41	37	yunanto	yunanto	NOUN
hassl-3661	41	38	,	,	PUNCT
hassl-3661	41	39	&	&	CCONJ
hassl-3661	41	40	hegarini	hegarini	PROPN
hassl-3661	41	41	,	,	PUNCT
hassl-3661	41	42	2021	2021	NUM
hassl-3661	41	43	)	)	PUNCT
hassl-3661	41	44	.	.	PUNCT
hassl-3661	42	1	fintech	fintech	NOUN
hassl-3661	42	2	is	be	AUX
hassl-3661	42	3	still	still	ADV
hassl-3661	42	4	relatively	relatively	ADV
hassl-3661	42	5	new	new	ADJ
hassl-3661	42	6	in	in	ADP
hassl-3661	42	7	countries	country	NOUN
hassl-3661	42	8	like	like	ADP
hassl-3661	42	9	jordan	jordan	PROPN
hassl-3661	42	10	but	but	CCONJ
hassl-3661	42	11	since	since	SCONJ
hassl-3661	42	12	the	the	DET
hassl-3661	42	13	central	central	ADJ
hassl-3661	42	14	bank	bank	PROPN
hassl-3661	42	15	of	of	ADP
hassl-3661	42	16	jordan	jordan	PROPN
hassl-3661	42	17	launched	launch	VERB
hassl-3661	42	18	the	the	DET
hassl-3661	42	19	fintech	fintech	NOUN
hassl-3661	42	20	regulatory	regulatory	ADJ
hassl-3661	42	21	sandbox	sandbox	NOUN
hassl-3661	42	22	in	in	ADP
hassl-3661	42	23	2018	2018	NUM
hassl-3661	42	24	,	,	PUNCT
hassl-3661	42	25	policymakers	policymaker	NOUN
hassl-3661	42	26	,	,	PUNCT
hassl-3661	42	27	researchers	researcher	NOUN
hassl-3661	42	28	and	and	CCONJ
hassl-3661	42	29	regulators	regulator	NOUN
hassl-3661	42	30	have	have	AUX
hassl-3661	42	31	given	give	VERB
hassl-3661	42	32	it	it	PRON
hassl-3661	42	33	a	a	DET
hassl-3661	42	34	lot	lot	NOUN
hassl-3661	42	35	of	of	ADP
hassl-3661	42	36	attention	attention	NOUN
hassl-3661	42	37	.	.	PUNCT
hassl-3661	43	1	the	the	DET
hassl-3661	43	2	sandbox	sandbox	NOUN
hassl-3661	43	3	provides	provide	VERB
hassl-3661	43	4	a	a	DET
hassl-3661	43	5	controlled	control	VERB
hassl-3661	43	6	and	and	CCONJ
hassl-3661	43	7	secure	secure	ADJ
hassl-3661	43	8	environment	environment	NOUN
hassl-3661	43	9	for	for	ADP
hassl-3661	43	10	conducting	conduct	VERB
hassl-3661	43	11	necessary	necessary	ADJ
hassl-3661	43	12	tests	test	NOUN
hassl-3661	43	13	and	and	CCONJ
hassl-3661	43	14	examinations	examination	NOUN
hassl-3661	43	15	of	of	ADP
hassl-3661	43	16	innovative	innovative	ADJ
hassl-3661	43	17	financial	financial	ADJ
hassl-3661	43	18	technology	technology	NOUN
hassl-3661	43	19	adhering	adhere	VERB
hassl-3661	43	20	to	to	ADP
hassl-3661	43	21	clear	clear	ADJ
hassl-3661	43	22	standards	standard	NOUN
hassl-3661	43	23	and	and	CCONJ
hassl-3661	43	24	timelines	timeline	NOUN
hassl-3661	43	25	with	with	ADP
hassl-3661	43	26	the	the	DET
hassl-3661	43	27	utmost	utmost	ADJ
hassl-3661	43	28	rigor	rigor	NOUN
hassl-3661	43	29	.	.	PUNCT
hassl-3661	44	1	accordingly	accordingly	ADV
hassl-3661	44	2	,	,	PUNCT
hassl-3661	44	3	the	the	DET
hassl-3661	44	4	aim	aim	NOUN
hassl-3661	44	5	of	of	ADP
hassl-3661	44	6	this	this	DET
hassl-3661	44	7	study	study	NOUN
hassl-3661	44	8	was	be	AUX
hassl-3661	44	9	to	to	PART
hassl-3661	44	10	determine	determine	VERB
hassl-3661	44	11	how	how	SCONJ
hassl-3661	44	12	the	the	DET
hassl-3661	44	13	use	use	NOUN
hassl-3661	44	14	of	of	ADP
hassl-3661	44	15	financial	financial	ADJ
hassl-3661	44	16	technology	technology	NOUN
hassl-3661	44	17	impacts	impact	VERB
hassl-3661	44	18	the	the	DET
hassl-3661	44	19	profitability	profitability	NOUN
hassl-3661	44	20	of	of	ADP
hassl-3661	44	21	jordanian	jordanian	ADJ
hassl-3661	44	22	banks	bank	NOUN
hassl-3661	44	23	.	.	PUNCT
hassl-3661	45	1	modern	modern	ADJ
hassl-3661	45	2	e	e	ADJ
hassl-3661	45	3	-	-	ADJ
hassl-3661	45	4	banking	banking	ADJ
hassl-3661	45	5	options	option	NOUN
hassl-3661	45	6	are	be	AUX
hassl-3661	45	7	becoming	become	VERB
hassl-3661	45	8	more	more	ADV
hassl-3661	45	9	and	and	CCONJ
hassl-3661	45	10	more	more	ADV
hassl-3661	45	11	available	available	ADJ
hassl-3661	45	12	from	from	ADP
hassl-3661	45	13	both	both	CCONJ
hassl-3661	45	14	domestic	domestic	ADJ
hassl-3661	45	15	and	and	CCONJ
hassl-3661	45	16	foreign	foreign	ADJ
hassl-3661	45	17	banks	bank	NOUN
hassl-3661	45	18	as	as	ADP
hassl-3661	45	19	a	a	DET
hassl-3661	45	20	result	result	NOUN
hassl-3661	45	21	of	of	ADP
hassl-3661	45	22	the	the	DET
hassl-3661	45	23	increased	increase	VERB
hassl-3661	45	24	competition	competition	NOUN
hassl-3661	45	25	brought	bring	VERB
hassl-3661	45	26	on	on	ADP
hassl-3661	45	27	by	by	ADP
hassl-3661	45	28	fintech	fintech	NOUN
hassl-3661	45	29	.	.	PUNCT
hassl-3661	46	1	the	the	DET
hassl-3661	46	2	study	study	NOUN
hassl-3661	46	3	especially	especially	ADV
hassl-3661	46	4	looks	look	VERB
hassl-3661	46	5	at	at	ADP
hassl-3661	46	6	how	how	SCONJ
hassl-3661	46	7	fintech	fintech	NOUN
hassl-3661	46	8	has	have	AUX
hassl-3661	46	9	impacted	impact	VERB
hassl-3661	46	10	profitability	profitability	NOUN
hassl-3661	46	11	in	in	ADP
hassl-3661	46	12	banks	bank	NOUN
hassl-3661	46	13	.	.	PUNCT
hassl-3661	47	1	a	a	DET
hassl-3661	47	2	review	review	NOUN
hassl-3661	47	3	of	of	ADP
hassl-3661	47	4	the	the	DET
hassl-3661	47	5	services	service	NOUN
hassl-3661	47	6	that	that	PRON
hassl-3661	47	7	banks	bank	NOUN
hassl-3661	47	8	offer	offer	VERB
hassl-3661	47	9	to	to	ADP
hassl-3661	47	10	their	their	PRON
hassl-3661	47	11	clients	client	NOUN
hassl-3661	47	12	is	be	AUX
hassl-3661	47	13	included	include	VERB
hassl-3661	47	14	as	as	ADV
hassl-3661	47	15	well	well	ADV
hassl-3661	47	16	as	as	ADP
hassl-3661	47	17	the	the	DET
hassl-3661	47	18	primary	primary	ADJ
hassl-3661	47	19	reasons	reason	NOUN
hassl-3661	47	20	why	why	SCONJ
hassl-3661	47	21	they	they	PRON
hassl-3661	47	22	use	use	VERB
hassl-3661	47	23	the	the	DET
hassl-3661	47	24	internet	internet	NOUN
hassl-3661	47	25	and	and	CCONJ
hassl-3661	47	26	other	other	ADJ
hassl-3661	47	27	electronic	electronic	ADJ
hassl-3661	47	28	channels	channel	NOUN
hassl-3661	47	29	to	to	PART
hassl-3661	47	30	service	service	VERB
hassl-3661	47	31	them	they	PRON
hassl-3661	47	32	.	.	PUNCT
hassl-3661	48	1	it	it	PRON
hassl-3661	48	2	is	be	AUX
hassl-3661	48	3	noteworthy	noteworthy	ADJ
hassl-3661	48	4	because	because	SCONJ
hassl-3661	48	5	it	it	PRON
hassl-3661	48	6	reveals	reveal	VERB
hassl-3661	48	7	the	the	DET
hassl-3661	48	8	elements	element	NOUN
hassl-3661	48	9	that	that	PRON
hassl-3661	48	10	affect	affect	VERB
hassl-3661	48	11	operations	operation	NOUN
hassl-3661	48	12	,	,	PUNCT
hassl-3661	48	13	leading	lead	VERB
hassl-3661	48	14	to	to	ADP
hassl-3661	48	15	higher	high	ADJ
hassl-3661	48	16	profits	profit	NOUN
hassl-3661	48	17	and	and	CCONJ
hassl-3661	48	18	the	the	DET
hassl-3661	48	19	capacity	capacity	NOUN
hassl-3661	48	20	to	to	PART
hassl-3661	48	21	control	control	VERB
hassl-3661	48	22	risks	risk	NOUN
hassl-3661	48	23	related	relate	VERB
hassl-3661	48	24	to	to	ADP
hassl-3661	48	25	using	use	VERB
hassl-3661	48	26	fintech	fintech	NOUN
hassl-3661	48	27	tools	tool	NOUN
hassl-3661	48	28	and	and	CCONJ
hassl-3661	48	29	services	service	NOUN
hassl-3661	48	30	to	to	ADP
hassl-3661	48	31	the	the	DET
hassl-3661	48	32	bank	bank	NOUN
hassl-3661	48	33	's	's	PART
hassl-3661	48	34	advantage	advantage	NOUN
hassl-3661	48	35	.	.	PUNCT
hassl-3661	49	1	it	it	PRON
hassl-3661	49	2	also	also	ADV
hassl-3661	49	3	illustrates	illustrate	VERB
hassl-3661	49	4	how	how	SCONJ
hassl-3661	49	5	banks	bank	NOUN
hassl-3661	49	6	differentiate	differentiate	VERB
hassl-3661	49	7	themselves	themselves	PRON
hassl-3661	49	8	in	in	ADP
hassl-3661	49	9	the	the	DET
hassl-3661	49	10	market	market	NOUN
hassl-3661	49	11	by	by	ADP
hassl-3661	49	12	offering	offer	VERB
hassl-3661	49	13	these	these	DET
hassl-3661	49	14	services	service	NOUN
hassl-3661	49	15	as	as	ADV
hassl-3661	49	16	well	well	ADV
hassl-3661	49	17	as	as	ADP
hassl-3661	49	18	the	the	DET
hassl-3661	49	19	elements	element	NOUN
hassl-3661	49	20	that	that	PRON
hassl-3661	49	21	affect	affect	VERB
hassl-3661	49	22	banks	bank	NOUN
hassl-3661	49	23	'	'	PART
hassl-3661	49	24	increased	increase	VERB
hassl-3661	49	25	profitability	profitability	NOUN
hassl-3661	49	26	whether	whether	SCONJ
hassl-3661	49	27	they	they	PRON
hassl-3661	49	28	are	be	AUX
hassl-3661	49	29	public	public	ADJ
hassl-3661	49	30	or	or	CCONJ
hassl-3661	49	31	private	private	ADJ
hassl-3661	49	32	.	.	PUNCT
hassl-3661	50	1	therefore	therefore	ADV
hassl-3661	50	2	,	,	PUNCT
hassl-3661	50	3	this	this	DET
hassl-3661	50	4	study	study	NOUN
hassl-3661	50	5	contributed	contribute	VERB
hassl-3661	50	6	to	to	ADP
hassl-3661	50	7	the	the	DET
hassl-3661	50	8	growth	growth	NOUN
hassl-3661	50	9	of	of	ADP
hassl-3661	50	10	a	a	DET
hassl-3661	50	11	new	new	ADJ
hassl-3661	50	12	model	model	NOUN
hassl-3661	50	13	that	that	PRON
hassl-3661	50	14	connects	connect	VERB
hassl-3661	50	15	financial	financial	ADJ
hassl-3661	50	16	technology	technology	NOUN
hassl-3661	50	17	through	through	ADP
hassl-3661	50	18	financing	financing	NOUN
hassl-3661	50	19	,	,	PUNCT
hassl-3661	50	20	money	money	NOUN
hassl-3661	50	21	transfers	transfer	NOUN
hassl-3661	50	22	and	and	CCONJ
hassl-3661	50	23	lending	lending	NOUN
hassl-3661	50	24	to	to	ADP
hassl-3661	50	25	profitability	profitability	NOUN
hassl-3661	50	26	and	and	CCONJ
hassl-3661	50	27	it	it	PRON
hassl-3661	50	28	added	add	VERB
hassl-3661	50	29	many	many	ADJ
hassl-3661	50	30	topics	topic	NOUN
hassl-3661	50	31	related	relate	VERB
hassl-3661	50	32	to	to	ADP
hassl-3661	50	33	financial	financial	ADJ
hassl-3661	50	34	accounting	accounting	NOUN
hassl-3661	50	35	technology	technology	NOUN
hassl-3661	50	36	for	for	ADP
hassl-3661	50	37	increasing	increase	VERB
hassl-3661	50	38	profitability	profitability	NOUN
hassl-3661	50	39	in	in	ADP
hassl-3661	50	40	jordanian	jordanian	ADJ
hassl-3661	50	41	commercial	commercial	ADJ
hassl-3661	50	42	banks	bank	NOUN
hassl-3661	50	43	.	.	PUNCT
hassl-3661	51	1	2	2	X
hassl-3661	51	2	.	.	X
hassl-3661	51	3	literature	literature	NOUN
hassl-3661	51	4	review	review	VERB
hassl-3661	51	5	2.1	2.1	NUM
hassl-3661	51	6	.	.	PUNCT
hassl-3661	52	1	financial	financial	ADJ
hassl-3661	52	2	technology	technology	NOUN
hassl-3661	52	3	(	(	PUNCT
hassl-3661	52	4	fintech	fintech	NOUN
hassl-3661	52	5	)	)	PUNCT
hassl-3661	52	6	the	the	DET
hassl-3661	52	7	technological	technological	ADJ
hassl-3661	52	8	advancement	advancement	NOUN
hassl-3661	52	9	has	have	AUX
hassl-3661	52	10	given	give	VERB
hassl-3661	52	11	rise	rise	NOUN
hassl-3661	52	12	to	to	ADP
hassl-3661	52	13	terms	term	NOUN
hassl-3661	52	14	like	like	ADP
hassl-3661	52	15	fintech	fintech	NOUN
hassl-3661	52	16	,	,	PUNCT
hassl-3661	52	17	digitalization	digitalization	NOUN
hassl-3661	52	18	and	and	CCONJ
hassl-3661	52	19	digital	digital	ADJ
hassl-3661	52	20	transformation	transformation	NOUN
hassl-3661	52	21	,	,	PUNCT
hassl-3661	52	22	particularly	particularly	ADV
hassl-3661	52	23	in	in	ADP
hassl-3661	52	24	the	the	DET
hassl-3661	52	25	financial	financial	ADJ
hassl-3661	52	26	sector	sector	NOUN
hassl-3661	52	27	(	(	PUNCT
hassl-3661	52	28	barroso	barroso	PROPN
hassl-3661	52	29	&	&	CCONJ
hassl-3661	52	30	laborda	laborda	PROPN
hassl-3661	52	31	,	,	PUNCT
hassl-3661	52	32	2022	2022	NUM
hassl-3661	52	33	)	)	PUNCT
hassl-3661	52	34	.	.	PUNCT
hassl-3661	53	1	according	accord	VERB
hassl-3661	53	2	to	to	ADP
hassl-3661	53	3	darolles	darolle	NOUN
hassl-3661	53	4	(	(	PUNCT
hassl-3661	53	5	2016	2016	NUM
hassl-3661	53	6	)	)	PUNCT
hassl-3661	53	7	fintech	fintech	NOUN
hassl-3661	53	8	refers	refer	VERB
hassl-3661	53	9	to	to	ADP
hassl-3661	53	10	the	the	DET
hassl-3661	53	11	application	application	NOUN
hassl-3661	53	12	of	of	ADP
hassl-3661	53	13	cutting	cut	VERB
hassl-3661	53	14	-	-	PUNCT
hassl-3661	53	15	edge	edge	NOUN
hassl-3661	53	16	technologies	technology	NOUN
hassl-3661	53	17	to	to	PART
hassl-3661	53	18	improve	improve	VERB
hassl-3661	53	19	financial	financial	ADJ
hassl-3661	53	20	services	service	NOUN
hassl-3661	53	21	and	and	CCONJ
hassl-3661	53	22	operations	operation	NOUN
hassl-3661	53	23	.	.	PUNCT
hassl-3661	54	1	digitization	digitization	NOUN
hassl-3661	54	2	is	be	AUX
hassl-3661	54	3	the	the	DET
hassl-3661	54	4	process	process	NOUN
hassl-3661	54	5	of	of	ADP
hassl-3661	54	6	transforming	transform	VERB
hassl-3661	54	7	how	how	SCONJ
hassl-3661	54	8	businesses	business	NOUN
hassl-3661	54	9	interact	interact	VERB
hassl-3661	54	10	with	with	ADP
hassl-3661	54	11	their	their	PRON
hassl-3661	54	12	consumers	consumer	NOUN
hassl-3661	54	13	and	and	CCONJ
hassl-3661	54	14	run	run	VERB
hassl-3661	54	15	their	their	PRON
hassl-3661	54	16	internal	internal	ADJ
hassl-3661	54	17	operations	operation	NOUN
hassl-3661	54	18	through	through	ADP
hassl-3661	54	19	the	the	DET
hassl-3661	54	20	use	use	NOUN
hassl-3661	54	21	of	of	ADP
hassl-3661	54	22	modern	modern	ADJ
hassl-3661	54	23	technologies	technology	NOUN
hassl-3661	54	24	(	(	PUNCT
hassl-3661	54	25	nicoletti	nicoletti	NOUN
hassl-3661	54	26	,	,	PUNCT
hassl-3661	54	27	2021	2021	NUM
hassl-3661	54	28	)	)	PUNCT
hassl-3661	54	29	.	.	PUNCT
hassl-3661	55	1	adopting	adopt	VERB
hassl-3661	55	2	digital	digital	ADJ
hassl-3661	55	3	tools	tool	NOUN
hassl-3661	55	4	and	and	CCONJ
hassl-3661	55	5	platforms	platform	NOUN
hassl-3661	55	6	is	be	AUX
hassl-3661	55	7	necessary	necessary	ADJ
hassl-3661	55	8	to	to	PART
hassl-3661	55	9	boost	boost	VERB
hassl-3661	55	10	productivity	productivity	NOUN
hassl-3661	55	11	,	,	PUNCT
hassl-3661	55	12	simplify	simplify	NOUN
hassl-3661	55	13	processes	process	NOUN
hassl-3661	55	14	and	and	CCONJ
hassl-3661	55	15	enhance	enhance	VERB
hassl-3661	55	16	customer	customer	NOUN
hassl-3661	55	17	experiences	experience	NOUN
hassl-3661	55	18	(	(	PUNCT
hassl-3661	55	19	gellweiler	gellweiler	PROPN
hassl-3661	55	20	&	&	CCONJ
hassl-3661	55	21	krishnamurthi	krishnamurthi	PROPN
hassl-3661	55	22	,	,	PUNCT
hassl-3661	55	23	2020	2020	NUM
hassl-3661	55	24	)	)	PUNCT
hassl-3661	55	25	.	.	PUNCT
hassl-3661	56	1	however	however	ADV
hassl-3661	56	2	,	,	PUNCT
hassl-3661	56	3	digital	digital	ADJ
hassl-3661	56	4	transformation	transformation	NOUN
hassl-3661	56	5	entails	entail	VERB
hassl-3661	56	6	a	a	DET
hassl-3661	56	7	thorough	thorough	ADJ
hassl-3661	56	8	integration	integration	NOUN
hassl-3661	56	9	of	of	ADP
hassl-3661	56	10	digital	digital	ADJ
hassl-3661	56	11	technology	technology	NOUN
hassl-3661	56	12	across	across	ADP
hassl-3661	56	13	the	the	DET
hassl-3661	56	14	whole	whole	ADJ
hassl-3661	56	15	business	business	NOUN
hassl-3661	56	16	which	which	PRON
hassl-3661	56	17	has	have	VERB
hassl-3661	56	18	a	a	DET
hassl-3661	56	19	humanities	humanity	NOUN
hassl-3661	56	20	and	and	CCONJ
hassl-3661	56	21	social	social	ADJ
hassl-3661	56	22	sciences	science	NOUN
hassl-3661	56	23	letters	letter	NOUN
hassl-3661	56	24	,	,	PUNCT
hassl-3661	56	25	2024	2024	NUM
hassl-3661	56	26	,	,	PUNCT
hassl-3661	56	27	12(2	12(2	NUM
hassl-3661	56	28	):	):	PUNCT
hassl-3661	56	29	176	176	NUM
hassl-3661	56	30	-	-	SYM
hassl-3661	56	31	188	188	NUM
hassl-3661	56	32	178	178	NUM
hassl-3661	56	33	©	©	PROPN
hassl-3661	56	34	2024	2024	NUM
hassl-3661	56	35	conscientia	conscientia	PROPN
hassl-3661	56	36	beam	beam	PROPN
hassl-3661	56	37	.	.	PUNCT
hassl-3661	57	1	all	all	DET
hassl-3661	57	2	rights	right	NOUN
hassl-3661	57	3	reserved	reserve	VERB
hassl-3661	57	4	.	.	PUNCT
hassl-3661	58	1	substantial	substantial	ADJ
hassl-3661	58	2	impact	impact	NOUN
hassl-3661	58	3	on	on	ADP
hassl-3661	58	4	how	how	SCONJ
hassl-3661	58	5	it	it	PRON
hassl-3661	58	6	operates	operate	VERB
hassl-3661	58	7	and	and	CCONJ
hassl-3661	58	8	generates	generate	VERB
hassl-3661	58	9	value	value	NOUN
hassl-3661	58	10	(	(	PUNCT
hassl-3661	58	11	al	al	PROPN
hassl-3661	58	12	-	-	PUNCT
hassl-3661	58	13	zaqeba	zaqeba	PROPN
hassl-3661	58	14	,	,	PUNCT
hassl-3661	58	15	al	al	PROPN
hassl-3661	58	16	-	-	PUNCT
hassl-3661	58	17	khawaja	khawaja	PROPN
hassl-3661	58	18	,	,	PUNCT
hassl-3661	58	19	&	&	CCONJ
hassl-3661	58	20	jebril	jebril	NOUN
hassl-3661	58	21	,	,	PUNCT
hassl-3661	58	22	2022	2022	NUM
hassl-3661	58	23	;	;	PUNCT
hassl-3661	58	24	van	van	PROPN
hassl-3661	58	25	veldhoven	veldhoven	PROPN
hassl-3661	58	26	&	&	CCONJ
hassl-3661	58	27	vanthienen	vanthienen	NOUN
hassl-3661	58	28	,	,	PUNCT
hassl-3661	58	29	2022	2022	NUM
hassl-3661	58	30	)	)	PUNCT
hassl-3661	58	31	.	.	PUNCT
hassl-3661	59	1	it	it	PRON
hassl-3661	59	2	calls	call	VERB
hassl-3661	59	3	for	for	ADP
hassl-3661	59	4	a	a	DET
hassl-3661	59	5	purposeful	purposeful	ADJ
hassl-3661	59	6	change	change	NOUN
hassl-3661	59	7	in	in	ADP
hassl-3661	59	8	attitude	attitude	NOUN
hassl-3661	59	9	,	,	PUNCT
hassl-3661	59	10	culture	culture	NOUN
hassl-3661	59	11	and	and	CCONJ
hassl-3661	59	12	business	business	NOUN
hassl-3661	59	13	processes	process	NOUN
hassl-3661	59	14	that	that	PRON
hassl-3661	59	15	goes	go	VERB
hassl-3661	59	16	beyond	beyond	ADP
hassl-3661	59	17	the	the	DET
hassl-3661	59	18	simple	simple	ADJ
hassl-3661	59	19	application	application	NOUN
hassl-3661	59	20	of	of	ADP
hassl-3661	59	21	technology	technology	NOUN
hassl-3661	59	22	(	(	PUNCT
hassl-3661	59	23	naimi	naimi	NOUN
hassl-3661	59	24	-	-	PUNCT
hassl-3661	59	25	sadigh	sadigh	ADJ
hassl-3661	59	26	,	,	PUNCT
hassl-3661	59	27	asgari	asgari	ADJ
hassl-3661	59	28	,	,	PUNCT
hassl-3661	59	29	&	&	CCONJ
hassl-3661	59	30	rabiei	rabiei	PROPN
hassl-3661	59	31	,	,	PUNCT
hassl-3661	59	32	2021	2021	NUM
hassl-3661	59	33	)	)	PUNCT
hassl-3661	59	34	.	.	PUNCT
hassl-3661	60	1	it	it	PRON
hassl-3661	60	2	is	be	AUX
hassl-3661	60	3	difficult	difficult	ADJ
hassl-3661	60	4	and	and	CCONJ
hassl-3661	60	5	expensive	expensive	ADJ
hassl-3661	60	6	to	to	PART
hassl-3661	60	7	achieve	achieve	VERB
hassl-3661	60	8	digitization	digitization	NOUN
hassl-3661	60	9	or	or	CCONJ
hassl-3661	60	10	digital	digital	ADJ
hassl-3661	60	11	transformation	transformation	NOUN
hassl-3661	60	12	which	which	PRON
hassl-3661	60	13	necessitates	necessitate	VERB
hassl-3661	60	14	an	an	DET
hassl-3661	60	15	emphasis	emphasis	NOUN
hassl-3661	60	16	on	on	ADP
hassl-3661	60	17	usability	usability	NOUN
hassl-3661	60	18	and	and	CCONJ
hassl-3661	60	19	functionality	functionality	NOUN
hassl-3661	60	20	(	(	PUNCT
hassl-3661	60	21	nambisan	nambisan	PROPN
hassl-3661	60	22	,	,	PUNCT
hassl-3661	60	23	wright	wright	PROPN
hassl-3661	60	24	,	,	PUNCT
hassl-3661	60	25	&	&	CCONJ
hassl-3661	60	26	feldman	feldman	PROPN
hassl-3661	60	27	,	,	PUNCT
hassl-3661	60	28	2019	2019	NUM
hassl-3661	60	29	)	)	PUNCT
hassl-3661	60	30	.	.	PUNCT
hassl-3661	61	1	financial	financial	ADJ
hassl-3661	61	2	inputs	input	NOUN
hassl-3661	61	3	for	for	ADP
hassl-3661	61	4	digitization	digitization	NOUN
hassl-3661	61	5	are	be	AUX
hassl-3661	61	6	crucial	crucial	ADJ
hassl-3661	61	7	digital	digital	ADJ
hassl-3661	61	8	investments	investment	NOUN
hassl-3661	61	9	which	which	PRON
hassl-3661	61	10	include	include	VERB
hassl-3661	61	11	costs	cost	NOUN
hassl-3661	61	12	to	to	PART
hassl-3661	61	13	enable	enable	VERB
hassl-3661	61	14	and	and	CCONJ
hassl-3661	61	15	install	install	VERB
hassl-3661	61	16	new	new	ADJ
hassl-3661	61	17	technologies	technology	NOUN
hassl-3661	61	18	.	.	PUNCT
hassl-3661	62	1	therefore	therefore	ADV
hassl-3661	62	2	,	,	PUNCT
hassl-3661	62	3	organisations	organisation	NOUN
hassl-3661	62	4	must	must	AUX
hassl-3661	62	5	actively	actively	ADV
hassl-3661	62	6	plan	plan	VERB
hassl-3661	62	7	and	and	CCONJ
hassl-3661	62	8	manage	manage	VERB
hassl-3661	62	9	their	their	PRON
hassl-3661	62	10	digital	digital	ADJ
hassl-3661	62	11	expenditures	expenditure	NOUN
hassl-3661	62	12	in	in	ADP
hassl-3661	62	13	order	order	NOUN
hassl-3661	62	14	to	to	PART
hassl-3661	62	15	accomplish	accomplish	VERB
hassl-3661	62	16	the	the	DET
hassl-3661	62	17	goal	goal	NOUN
hassl-3661	62	18	of	of	ADP
hassl-3661	62	19	digital	digital	ADJ
hassl-3661	62	20	transformation	transformation	NOUN
hassl-3661	62	21	and	and	CCONJ
hassl-3661	62	22	evaluate	evaluate	VERB
hassl-3661	62	23	it	it	PRON
hassl-3661	62	24	s	s	PART
hassl-3661	62	25	advantages	advantage	NOUN
hassl-3661	62	26	(	(	PUNCT
hassl-3661	62	27	chanias	chanias	PROPN
hassl-3661	62	28	,	,	PUNCT
hassl-3661	62	29	myers	myer	NOUN
hassl-3661	62	30	,	,	PUNCT
hassl-3661	62	31	&	&	CCONJ
hassl-3661	62	32	hess	hess	PROPN
hassl-3661	62	33	,	,	PUNCT
hassl-3661	62	34	2019	2019	NUM
hassl-3661	62	35	)	)	PUNCT
hassl-3661	62	36	.	.	PUNCT
hassl-3661	63	1	one	one	NUM
hassl-3661	63	2	way	way	NOUN
hassl-3661	63	3	for	for	SCONJ
hassl-3661	63	4	researchers	researcher	NOUN
hassl-3661	63	5	to	to	PART
hassl-3661	63	6	assess	assess	VERB
hassl-3661	63	7	the	the	DET
hassl-3661	63	8	level	level	NOUN
hassl-3661	63	9	of	of	ADP
hassl-3661	63	10	digitization	digitization	NOUN
hassl-3661	63	11	within	within	ADP
hassl-3661	63	12	a	a	DET
hassl-3661	63	13	company	company	NOUN
hassl-3661	63	14	is	be	AUX
hassl-3661	63	15	by	by	ADP
hassl-3661	63	16	examining	examine	VERB
hassl-3661	63	17	the	the	DET
hassl-3661	63	18	hardware	hardware	NOUN
hassl-3661	63	19	and	and	CCONJ
hassl-3661	63	20	software	software	NOUN
hassl-3661	63	21	assets	asset	NOUN
hassl-3661	63	22	reported	report	VERB
hassl-3661	63	23	on	on	ADP
hassl-3661	63	24	its	its	PRON
hassl-3661	63	25	balance	balance	NOUN
hassl-3661	63	26	sheets	sheet	NOUN
hassl-3661	63	27	(	(	PUNCT
hassl-3661	63	28	bhimani	bhimani	NOUN
hassl-3661	63	29	&	&	CCONJ
hassl-3661	63	30	willcocks	willcock	NOUN
hassl-3661	63	31	,	,	PUNCT
hassl-3661	63	32	2014	2014	NUM
hassl-3661	63	33	)	)	PUNCT
hassl-3661	63	34	.	.	PUNCT
hassl-3661	64	1	these	these	DET
hassl-3661	64	2	assets	asset	NOUN
hassl-3661	64	3	typically	typically	ADV
hassl-3661	64	4	include	include	VERB
hassl-3661	64	5	computer	computer	NOUN
hassl-3661	64	6	systems	system	NOUN
hassl-3661	64	7	,	,	PUNCT
hassl-3661	64	8	networking	network	VERB
hassl-3661	64	9	equipment	equipment	NOUN
hassl-3661	64	10	,	,	PUNCT
hassl-3661	64	11	software	software	NOUN
hassl-3661	64	12	and	and	CCONJ
hassl-3661	64	13	supporting	support	VERB
hassl-3661	64	14	it	it	PRON
hassl-3661	64	15	infrastructure	infrastructure	NOUN
hassl-3661	64	16	which	which	PRON
hassl-3661	64	17	represent	represent	VERB
hassl-3661	64	18	the	the	DET
hassl-3661	64	19	company	company	NOUN
hassl-3661	64	20	's	's	PART
hassl-3661	64	21	financial	financial	ADJ
hassl-3661	64	22	commitments	commitment	NOUN
hassl-3661	64	23	to	to	ADP
hassl-3661	64	24	modern	modern	ADJ
hassl-3661	64	25	technology	technology	NOUN
hassl-3661	64	26	.	.	PUNCT
hassl-3661	65	1	these	these	DET
hassl-3661	65	2	investments	investment	NOUN
hassl-3661	65	3	can	can	AUX
hassl-3661	65	4	be	be	AUX
hassl-3661	65	5	helpful	helpful	ADJ
hassl-3661	65	6	for	for	ADP
hassl-3661	65	7	monitoring	monitor	VERB
hassl-3661	65	8	digitization	digitization	NOUN
hassl-3661	65	9	and	and	CCONJ
hassl-3661	65	10	financial	financial	ADJ
hassl-3661	65	11	technology	technology	NOUN
hassl-3661	65	12	investment	investment	NOUN
hassl-3661	65	13	because	because	SCONJ
hassl-3661	65	14	they	they	PRON
hassl-3661	65	15	are	be	AUX
hassl-3661	65	16	frequently	frequently	ADV
hassl-3661	65	17	made	make	VERB
hassl-3661	65	18	to	to	PART
hassl-3661	65	19	assist	assist	VERB
hassl-3661	65	20	digital	digital	ADJ
hassl-3661	65	21	transformation	transformation	NOUN
hassl-3661	65	22	,	,	PUNCT
hassl-3661	65	23	optimize	optimize	VERB
hassl-3661	65	24	operational	operational	ADJ
hassl-3661	65	25	efficiency	efficiency	NOUN
hassl-3661	65	26	and	and	CCONJ
hassl-3661	65	27	streamline	streamline	VERB
hassl-3661	65	28	processes	process	NOUN
hassl-3661	65	29	(	(	PUNCT
hassl-3661	65	30	zhou	zhou	X
hassl-3661	65	31	,	,	PUNCT
hassl-3661	65	32	kautonen	kautonen	PROPN
hassl-3661	65	33	,	,	PUNCT
hassl-3661	65	34	dai	dai	PROPN
hassl-3661	65	35	,	,	PUNCT
hassl-3661	65	36	&	&	CCONJ
hassl-3661	65	37	zhang	zhang	PROPN
hassl-3661	65	38	,	,	PUNCT
hassl-3661	65	39	2021	2021	NUM
hassl-3661	65	40	)	)	PUNCT
hassl-3661	65	41	.	.	PUNCT
hassl-3661	66	1	reliable	reliable	VERB
hassl-3661	66	2	it	it	PRON
hassl-3661	66	3	infrastructure	infrastructure	NOUN
hassl-3661	66	4	and	and	CCONJ
hassl-3661	66	5	software	software	NOUN
hassl-3661	66	6	solutions	solution	NOUN
hassl-3661	66	7	are	be	AUX
hassl-3661	66	8	frequently	frequently	ADV
hassl-3661	66	9	necessary	necessary	ADJ
hassl-3661	66	10	for	for	ADP
hassl-3661	66	11	financial	financial	ADJ
hassl-3661	66	12	technology	technology	NOUN
hassl-3661	66	13	initiatives	initiative	NOUN
hassl-3661	66	14	aimed	aim	VERB
hassl-3661	66	15	at	at	ADP
hassl-3661	66	16	automating	automate	VERB
hassl-3661	66	17	operations	operation	NOUN
hassl-3661	66	18	,	,	PUNCT
hassl-3661	66	19	enhancing	enhance	VERB
hassl-3661	66	20	procedures	procedure	NOUN
hassl-3661	66	21	and	and	CCONJ
hassl-3661	66	22	enabling	enable	VERB
hassl-3661	66	23	new	new	ADJ
hassl-3661	66	24	digital	digital	ADJ
hassl-3661	66	25	financial	financial	ADJ
hassl-3661	66	26	services	service	NOUN
hassl-3661	66	27	.	.	PUNCT
hassl-3661	67	1	however	however	ADV
hassl-3661	67	2	,	,	PUNCT
hassl-3661	67	3	the	the	DET
hassl-3661	67	4	amount	amount	NOUN
hassl-3661	67	5	invested	invest	VERB
hassl-3661	67	6	in	in	ADP
hassl-3661	67	7	technology	technology	NOUN
hassl-3661	67	8	can	can	AUX
hassl-3661	67	9	be	be	AUX
hassl-3661	67	10	determined	determine	VERB
hassl-3661	67	11	by	by	ADP
hassl-3661	67	12	it	it	PRON
hassl-3661	67	13	expenses	expense	NOUN
hassl-3661	67	14	but	but	CCONJ
hassl-3661	67	15	the	the	DET
hassl-3661	67	16	scope	scope	NOUN
hassl-3661	67	17	of	of	ADP
hassl-3661	67	18	financial	financial	ADJ
hassl-3661	67	19	technology	technology	NOUN
hassl-3661	67	20	activity	activity	NOUN
hassl-3661	67	21	may	may	AUX
hassl-3661	67	22	not	not	PART
hassl-3661	67	23	be	be	AUX
hassl-3661	67	24	entirely	entirely	ADV
hassl-3661	67	25	captured	capture	VERB
hassl-3661	67	26	by	by	ADP
hassl-3661	67	27	them	they	PRON
hassl-3661	67	28	.	.	PUNCT
hassl-3661	68	1	some	some	DET
hassl-3661	68	2	fintech	fintech	NOUN
hassl-3661	68	3	projects	project	NOUN
hassl-3661	68	4	may	may	AUX
hassl-3661	68	5	involve	involve	VERB
hassl-3661	68	6	joint	joint	ADJ
hassl-3661	68	7	ventures	venture	NOUN
hassl-3661	68	8	,	,	PUNCT
hassl-3661	68	9	acquisitions	acquisition	NOUN
hassl-3661	68	10	or	or	CCONJ
hassl-3661	68	11	investments	investment	NOUN
hassl-3661	68	12	in	in	ADP
hassl-3661	68	13	fintech	fintech	NOUN
hassl-3661	68	14	startups	startup	NOUN
hassl-3661	68	15	or	or	CCONJ
hassl-3661	68	16	third	third	ADJ
hassl-3661	68	17	-	-	PUNCT
hassl-3661	68	18	party	party	NOUN
hassl-3661	68	19	platforms	platform	NOUN
hassl-3661	68	20	which	which	PRON
hassl-3661	68	21	might	might	AUX
hassl-3661	68	22	not	not	PART
hassl-3661	68	23	be	be	AUX
hassl-3661	68	24	reflected	reflect	VERB
hassl-3661	68	25	solely	solely	ADV
hassl-3661	68	26	in	in	ADP
hassl-3661	68	27	a	a	DET
hassl-3661	68	28	company	company	NOUN
hassl-3661	68	29	's	's	PART
hassl-3661	68	30	it	it	PRON
hassl-3661	68	31	spending	spending	NOUN
hassl-3661	68	32	(	(	PUNCT
hassl-3661	68	33	chhaidar	chhaidar	PROPN
hassl-3661	68	34	,	,	PUNCT
hassl-3661	68	35	abdelhedi	abdelhedi	PROPN
hassl-3661	68	36	,	,	PUNCT
hassl-3661	68	37	&	&	CCONJ
hassl-3661	68	38	abdelkafi	abdelkafi	PROPN
hassl-3661	68	39	,	,	PUNCT
hassl-3661	68	40	2023	2023	NUM
hassl-3661	68	41	)	)	PUNCT
hassl-3661	68	42	.	.	PUNCT
hassl-3661	69	1	dong	dong	PROPN
hassl-3661	69	2	et	et	PROPN
hassl-3661	69	3	al	al	PROPN
hassl-3661	69	4	.	.	PROPN
hassl-3661	69	5	(	(	PUNCT
hassl-3661	69	6	2020	2020	NUM
hassl-3661	69	7	)	)	PUNCT
hassl-3661	69	8	examine	examine	VERB
hassl-3661	69	9	the	the	DET
hassl-3661	69	10	relationship	relationship	NOUN
hassl-3661	69	11	between	between	ADP
hassl-3661	69	12	banks	bank	NOUN
hassl-3661	69	13	'	'	PART
hassl-3661	69	14	profitability	profitability	NOUN
hassl-3661	69	15	,	,	PUNCT
hassl-3661	69	16	cost	cost	NOUN
hassl-3661	69	17	-	-	PUNCT
hassl-3661	69	18	effectiveness	effectiveness	NOUN
hassl-3661	69	19	and	and	CCONJ
hassl-3661	69	20	the	the	DET
hassl-3661	69	21	use	use	NOUN
hassl-3661	69	22	of	of	ADP
hassl-3661	69	23	internet	internet	NOUN
hassl-3661	69	24	platforms	platform	NOUN
hassl-3661	69	25	.	.	PUNCT
hassl-3661	70	1	however	however	ADV
hassl-3661	70	2	,	,	PUNCT
hassl-3661	70	3	when	when	SCONJ
hassl-3661	70	4	seeking	seek	VERB
hassl-3661	70	5	to	to	PART
hassl-3661	70	6	gauge	gauge	VERB
hassl-3661	70	7	technology	technology	NOUN
hassl-3661	70	8	investment	investment	NOUN
hassl-3661	70	9	or	or	CCONJ
hassl-3661	70	10	digitization	digitization	NOUN
hassl-3661	70	11	in	in	ADP
hassl-3661	70	12	banks	bank	NOUN
hassl-3661	70	13	relying	rely	VERB
hassl-3661	70	14	exclusively	exclusively	ADV
hassl-3661	70	15	on	on	ADP
hassl-3661	70	16	a	a	DET
hassl-3661	70	17	straightforward	straightforward	ADJ
hassl-3661	70	18	binary	binary	ADJ
hassl-3661	70	19	dummy	dummy	ADJ
hassl-3661	70	20	variable	variable	NOUN
hassl-3661	70	21	may	may	AUX
hassl-3661	70	22	not	not	PART
hassl-3661	70	23	give	give	VERB
hassl-3661	70	24	a	a	DET
hassl-3661	70	25	complete	complete	ADJ
hassl-3661	70	26	or	or	CCONJ
hassl-3661	70	27	nuanced	nuanced	ADJ
hassl-3661	70	28	view	view	NOUN
hassl-3661	70	29	of	of	ADP
hassl-3661	70	30	the	the	DET
hassl-3661	70	31	amount	amount	NOUN
hassl-3661	70	32	of	of	ADP
hassl-3661	70	33	digitization	digitization	NOUN
hassl-3661	70	34	inside	inside	ADP
hassl-3661	70	35	various	various	ADJ
hassl-3661	70	36	organizations	organization	NOUN
hassl-3661	70	37	.	.	PUNCT
hassl-3661	71	1	the	the	DET
hassl-3661	71	2	amount	amount	NOUN
hassl-3661	71	3	or	or	CCONJ
hassl-3661	71	4	breadth	breadth	NOUN
hassl-3661	71	5	of	of	ADP
hassl-3661	71	6	digitization	digitization	NOUN
hassl-3661	71	7	inside	inside	ADP
hassl-3661	71	8	a	a	DET
hassl-3661	71	9	bank	bank	NOUN
hassl-3661	71	10	is	be	AUX
hassl-3661	71	11	not	not	PART
hassl-3661	71	12	sufficiently	sufficiently	ADV
hassl-3661	71	13	captured	capture	VERB
hassl-3661	71	14	by	by	ADP
hassl-3661	71	15	a	a	DET
hassl-3661	71	16	dummy	dummy	ADJ
hassl-3661	71	17	variable	variable	NOUN
hassl-3661	71	18	because	because	SCONJ
hassl-3661	71	19	of	of	ADP
hassl-3661	71	20	its	its	PRON
hassl-3661	71	21	binary	binary	ADJ
hassl-3661	71	22	nature	nature	NOUN
hassl-3661	71	23	which	which	PRON
hassl-3661	71	24	takes	take	VERB
hassl-3661	71	25	a	a	DET
hassl-3661	71	26	value	value	NOUN
hassl-3661	71	27	of	of	ADP
hassl-3661	71	28	1	1	NUM
hassl-3661	71	29	if	if	SCONJ
hassl-3661	71	30	the	the	DET
hassl-3661	71	31	bank	bank	NOUN
hassl-3661	71	32	employs	employ	VERB
hassl-3661	71	33	online	online	ADJ
hassl-3661	71	34	channels	channel	NOUN
hassl-3661	71	35	and	and	CCONJ
hassl-3661	71	36	0	0	NUM
hassl-3661	71	37	otherwise	otherwise	ADV
hassl-3661	71	38	(	(	PUNCT
hassl-3661	71	39	batsakis	batsaki	NOUN
hassl-3661	71	40	,	,	PUNCT
hassl-3661	71	41	theoharakis	theoharaki	NOUN
hassl-3661	71	42	,	,	PUNCT
hassl-3661	71	43	li	li	PROPN
hassl-3661	71	44	,	,	PUNCT
hassl-3661	71	45	&	&	CCONJ
hassl-3661	71	46	konara	konara	PROPN
hassl-3661	71	47	,	,	PUNCT
hassl-3661	71	48	2023	2023	NUM
hassl-3661	71	49	)	)	PUNCT
hassl-3661	71	50	.	.	PUNCT
hassl-3661	72	1	recent	recent	ADJ
hassl-3661	72	2	work	work	NOUN
hassl-3661	72	3	by	by	ADP
hassl-3661	72	4	kriebel	kriebel	NOUN
hassl-3661	72	5	and	and	CCONJ
hassl-3661	72	6	debener	debener	NOUN
hassl-3661	72	7	(	(	PUNCT
hassl-3661	72	8	2019	2019	NUM
hassl-3661	72	9	)	)	PUNCT
hassl-3661	72	10	employing	employ	VERB
hassl-3661	72	11	text	text	NOUN
hassl-3661	72	12	mining	mining	NOUN
hassl-3661	72	13	approaches	approach	NOUN
hassl-3661	72	14	offered	offer	VERB
hassl-3661	72	15	fresh	fresh	ADJ
hassl-3661	72	16	analytical	analytical	ADJ
hassl-3661	72	17	measures	measure	NOUN
hassl-3661	72	18	.	.	PUNCT
hassl-3661	73	1	barnewold	barnewold	ADJ
hassl-3661	73	2	and	and	CCONJ
hassl-3661	73	3	lottermoser	lottermoser	PROPN
hassl-3661	73	4	(	(	PUNCT
hassl-3661	73	5	2020	2020	NUM
hassl-3661	73	6	)	)	PUNCT
hassl-3661	73	7	conducted	conduct	VERB
hassl-3661	73	8	an	an	DET
hassl-3661	73	9	analysis	analysis	NOUN
hassl-3661	73	10	of	of	ADP
hassl-3661	73	11	extensive	extensive	ADJ
hassl-3661	73	12	textual	textual	ADJ
hassl-3661	73	13	data	datum	NOUN
hassl-3661	73	14	derived	derive	VERB
hassl-3661	73	15	from	from	ADP
hassl-3661	73	16	insight	insight	NOUN
hassl-3661	73	17	reports	report	NOUN
hassl-3661	73	18	provided	provide	VERB
hassl-3661	73	19	by	by	ADP
hassl-3661	73	20	thirteen	thirteen	NUM
hassl-3661	73	21	international	international	ADJ
hassl-3661	73	22	consulting	consulting	NOUN
hassl-3661	73	23	firms	firm	NOUN
hassl-3661	73	24	.	.	PUNCT
hassl-3661	74	1	they	they	PRON
hassl-3661	74	2	created	create	VERB
hassl-3661	74	3	a	a	DET
hassl-3661	74	4	digitization	digitization	NOUN
hassl-3661	74	5	measure	measure	NOUN
hassl-3661	74	6	exclusively	exclusively	ADV
hassl-3661	74	7	for	for	ADP
hassl-3661	74	8	the	the	DET
hassl-3661	74	9	mining	mining	NOUN
hassl-3661	74	10	sector	sector	NOUN
hassl-3661	74	11	as	as	ADP
hassl-3661	74	12	part	part	NOUN
hassl-3661	74	13	of	of	ADP
hassl-3661	74	14	their	their	PRON
hassl-3661	74	15	research	research	NOUN
hassl-3661	74	16	to	to	PART
hassl-3661	74	17	track	track	VERB
hassl-3661	74	18	technological	technological	ADJ
hassl-3661	74	19	developments	development	NOUN
hassl-3661	74	20	.	.	PUNCT
hassl-3661	75	1	they	they	PRON
hassl-3661	75	2	found	find	VERB
hassl-3661	75	3	that	that	SCONJ
hassl-3661	75	4	the	the	DET
hassl-3661	75	5	most	most	ADV
hassl-3661	75	6	widely	widely	ADV
hassl-3661	75	7	used	use	VERB
hassl-3661	75	8	technologies	technology	NOUN
hassl-3661	75	9	in	in	ADP
hassl-3661	75	10	the	the	DET
hassl-3661	75	11	mining	mining	NOUN
hassl-3661	75	12	industry	industry	NOUN
hassl-3661	75	13	were	be	AUX
hassl-3661	75	14	automation	automation	NOUN
hassl-3661	75	15	,	,	PUNCT
hassl-3661	75	16	robots	robot	NOUN
hassl-3661	75	17	,	,	PUNCT
hassl-3661	75	18	the	the	DET
hassl-3661	75	19	internet	internet	NOUN
hassl-3661	75	20	of	of	ADP
hassl-3661	75	21	things	thing	NOUN
hassl-3661	75	22	,	,	PUNCT
hassl-3661	75	23	big	big	ADJ
hassl-3661	75	24	data	datum	NOUN
hassl-3661	75	25	and	and	CCONJ
hassl-3661	75	26	artificial	artificial	ADJ
hassl-3661	75	27	intelligence	intelligence	NOUN
hassl-3661	75	28	.	.	PUNCT
hassl-3661	76	1	the	the	DET
hassl-3661	76	2	authors	author	NOUN
hassl-3661	76	3	contend	contend	VERB
hassl-3661	76	4	that	that	SCONJ
hassl-3661	76	5	data	datum	NOUN
hassl-3661	76	6	on	on	ADP
hassl-3661	76	7	digital	digital	ADJ
hassl-3661	76	8	adoption	adoption	NOUN
hassl-3661	76	9	should	should	AUX
hassl-3661	76	10	include	include	VERB
hassl-3661	76	11	information	information	NOUN
hassl-3661	76	12	on	on	ADP
hassl-3661	76	13	using	use	VERB
hassl-3661	76	14	technology	technology	NOUN
hassl-3661	76	15	to	to	PART
hassl-3661	76	16	build	build	VERB
hassl-3661	76	17	new	new	ADJ
hassl-3661	76	18	services	service	NOUN
hassl-3661	76	19	,	,	PUNCT
hassl-3661	76	20	make	make	VERB
hassl-3661	76	21	it	it	PRON
hassl-3661	76	22	easier	easy	ADJ
hassl-3661	76	23	for	for	SCONJ
hassl-3661	76	24	customers	customer	NOUN
hassl-3661	76	25	to	to	PART
hassl-3661	76	26	access	access	VERB
hassl-3661	76	27	digital	digital	ADJ
hassl-3661	76	28	financial	financial	ADJ
hassl-3661	76	29	services	service	NOUN
hassl-3661	76	30	and	and	CCONJ
hassl-3661	76	31	retain	retain	VERB
hassl-3661	76	32	competitiveness	competitiveness	NOUN
hassl-3661	76	33	in	in	ADP
hassl-3661	76	34	addition	addition	NOUN
hassl-3661	76	35	to	to	ADP
hassl-3661	76	36	typical	typical	ADJ
hassl-3661	76	37	statistics	statistic	NOUN
hassl-3661	76	38	on	on	ADP
hassl-3661	76	39	hardware	hardware	NOUN
hassl-3661	76	40	and	and	CCONJ
hassl-3661	76	41	software	software	NOUN
hassl-3661	76	42	expenses	expense	NOUN
hassl-3661	76	43	.	.	PUNCT
hassl-3661	77	1	text	text	NOUN
hassl-3661	77	2	mining	mining	NOUN
hassl-3661	77	3	methodology	methodology	NOUN
hassl-3661	77	4	has	have	AUX
hassl-3661	77	5	been	be	AUX
hassl-3661	77	6	considered	consider	VERB
hassl-3661	77	7	to	to	PART
hassl-3661	77	8	be	be	AUX
hassl-3661	77	9	the	the	DET
hassl-3661	77	10	most	most	ADV
hassl-3661	77	11	appropriate	appropriate	ADJ
hassl-3661	77	12	method	method	NOUN
hassl-3661	77	13	for	for	ADP
hassl-3661	77	14	retrieving	retrieve	VERB
hassl-3661	77	15	this	this	DET
hassl-3661	77	16	information	information	NOUN
hassl-3661	77	17	because	because	SCONJ
hassl-3661	77	18	of	of	ADP
hassl-3661	77	19	the	the	DET
hassl-3661	77	20	wide	wide	ADJ
hassl-3661	77	21	range	range	NOUN
hassl-3661	77	22	of	of	ADP
hassl-3661	77	23	concepts	concept	NOUN
hassl-3661	77	24	and	and	CCONJ
hassl-3661	77	25	various	various	ADJ
hassl-3661	77	26	data	datum	NOUN
hassl-3661	77	27	involved	involve	VERB
hassl-3661	77	28	(	(	PUNCT
hassl-3661	77	29	fan	fan	PROPN
hassl-3661	77	30	,	,	PUNCT
hassl-3661	77	31	wallace	wallace	PROPN
hassl-3661	77	32	,	,	PUNCT
hassl-3661	77	33	rich	rich	ADJ
hassl-3661	77	34	,	,	PUNCT
hassl-3661	77	35	&	&	CCONJ
hassl-3661	77	36	zhang	zhang	PROPN
hassl-3661	77	37	,	,	PUNCT
hassl-3661	77	38	2006	2006	NUM
hassl-3661	77	39	)	)	PUNCT
hassl-3661	77	40	.	.	PUNCT
hassl-3661	78	1	2.2	2.2	NUM
hassl-3661	78	2	.	.	PUNCT
hassl-3661	78	3	financial	financial	ADJ
hassl-3661	78	4	technology	technology	NOUN
hassl-3661	78	5	and	and	CCONJ
hassl-3661	78	6	bank	bank	NOUN
hassl-3661	78	7	profitability	profitability	NOUN
hassl-3661	78	8	the	the	DET
hassl-3661	78	9	adoption	adoption	NOUN
hassl-3661	78	10	of	of	ADP
hassl-3661	78	11	fintech	fintech	NOUN
hassl-3661	78	12	technologies	technology	NOUN
hassl-3661	78	13	by	by	ADP
hassl-3661	78	14	banks	bank	NOUN
hassl-3661	78	15	has	have	AUX
hassl-3661	78	16	led	lead	VERB
hassl-3661	78	17	to	to	ADP
hassl-3661	78	18	the	the	DET
hassl-3661	78	19	automation	automation	NOUN
hassl-3661	78	20	of	of	ADP
hassl-3661	78	21	tedious	tedious	ADJ
hassl-3661	78	22	processes	process	NOUN
hassl-3661	78	23	,	,	PUNCT
hassl-3661	78	24	faster	fast	ADJ
hassl-3661	78	25	transactions	transaction	NOUN
hassl-3661	78	26	and	and	CCONJ
hassl-3661	78	27	the	the	DET
hassl-3661	78	28	provision	provision	NOUN
hassl-3661	78	29	of	of	ADP
hassl-3661	78	30	personalized	personalized	ADJ
hassl-3661	78	31	services	service	NOUN
hassl-3661	78	32	ultimately	ultimately	ADV
hassl-3661	78	33	enhancing	enhance	VERB
hassl-3661	78	34	operational	operational	ADJ
hassl-3661	78	35	efficiency	efficiency	NOUN
hassl-3661	78	36	and	and	CCONJ
hassl-3661	78	37	profitability	profitability	NOUN
hassl-3661	78	38	(	(	PUNCT
hassl-3661	78	39	al	al	PROPN
hassl-3661	78	40	zobi	zobi	PROPN
hassl-3661	78	41	&	&	CCONJ
hassl-3661	78	42	jarah	jarah	PROPN
hassl-3661	78	43	,	,	PUNCT
hassl-3661	78	44	2023	2023	NUM
hassl-3661	78	45	)	)	PUNCT
hassl-3661	78	46	.	.	PUNCT
hassl-3661	79	1	fintech	fintech	NOUN
hassl-3661	79	2	has	have	AUX
hassl-3661	79	3	also	also	ADV
hassl-3661	79	4	opened	open	VERB
hassl-3661	79	5	up	up	ADP
hassl-3661	79	6	new	new	ADJ
hassl-3661	79	7	sources	source	NOUN
hassl-3661	79	8	of	of	ADP
hassl-3661	79	9	income	income	NOUN
hassl-3661	79	10	for	for	ADP
hassl-3661	79	11	banks	bank	NOUN
hassl-3661	79	12	,	,	PUNCT
hassl-3661	79	13	such	such	ADJ
hassl-3661	79	14	as	as	ADP
hassl-3661	79	15	commissions	commission	NOUN
hassl-3661	79	16	from	from	ADP
hassl-3661	79	17	online	online	ADJ
hassl-3661	79	18	payment	payment	NOUN
hassl-3661	79	19	services	service	NOUN
hassl-3661	79	20	or	or	CCONJ
hassl-3661	79	21	partnerships	partnership	NOUN
hassl-3661	79	22	with	with	ADP
hassl-3661	79	23	fintech	fintech	NOUN
hassl-3661	79	24	firms	firm	NOUN
hassl-3661	79	25	(	(	PUNCT
hassl-3661	79	26	wang	wang	PROPN
hassl-3661	79	27	,	,	PUNCT
hassl-3661	79	28	xiuping	xiuping	PROPN
hassl-3661	79	29	,	,	PUNCT
hassl-3661	79	30	&	&	CCONJ
hassl-3661	79	31	zhang	zhang	PROPN
hassl-3661	79	32	,	,	PUNCT
hassl-3661	79	33	2021	2021	NUM
hassl-3661	79	34	)	)	PUNCT
hassl-3661	79	35	.	.	PUNCT
hassl-3661	80	1	however	however	ADV
hassl-3661	80	2	,	,	PUNCT
hassl-3661	80	3	the	the	DET
hassl-3661	80	4	accelerated	accelerated	ADJ
hassl-3661	80	5	growth	growth	NOUN
hassl-3661	80	6	of	of	ADP
hassl-3661	80	7	fintech	fintech	NOUN
hassl-3661	80	8	has	have	AUX
hassl-3661	80	9	also	also	ADV
hassl-3661	80	10	increased	increase	VERB
hassl-3661	80	11	competition	competition	NOUN
hassl-3661	80	12	in	in	ADP
hassl-3661	80	13	the	the	DET
hassl-3661	80	14	banking	banking	NOUN
hassl-3661	80	15	sector	sector	NOUN
hassl-3661	80	16	,	,	PUNCT
hassl-3661	80	17	forcing	force	VERB
hassl-3661	80	18	conventional	conventional	ADJ
hassl-3661	80	19	banks	bank	NOUN
hassl-3661	80	20	to	to	PART
hassl-3661	80	21	adjust	adjust	VERB
hassl-3661	80	22	and	and	CCONJ
hassl-3661	80	23	invest	invest	VERB
hassl-3661	80	24	in	in	ADP
hassl-3661	80	25	technology	technology	NOUN
hassl-3661	80	26	to	to	PART
hassl-3661	80	27	remain	remain	VERB
hassl-3661	80	28	competitive	competitive	ADJ
hassl-3661	80	29	.	.	PUNCT
hassl-3661	81	1	bank	bank	NOUN
hassl-3661	81	2	profitability	profitability	NOUN
hassl-3661	81	3	may	may	AUX
hassl-3661	81	4	suffer	suffer	VERB
hassl-3661	81	5	and	and	CCONJ
hassl-3661	81	6	financial	financial	ADJ
hassl-3661	81	7	losses	loss	NOUN
hassl-3661	81	8	may	may	AUX
hassl-3661	81	9	occur	occur	VERB
hassl-3661	81	10	if	if	SCONJ
hassl-3661	81	11	fintech	fintech	NOUN
hassl-3661	81	12	adoption	adoption	NOUN
hassl-3661	81	13	is	be	AUX
hassl-3661	81	14	not	not	PART
hassl-3661	81	15	prioritized	prioritize	VERB
hassl-3661	81	16	.	.	PUNCT
hassl-3661	82	1	as	as	ADP
hassl-3661	82	2	a	a	DET
hassl-3661	82	3	result	result	NOUN
hassl-3661	82	4	,	,	PUNCT
hassl-3661	82	5	there	there	PRON
hassl-3661	82	6	is	be	VERB
hassl-3661	82	7	a	a	DET
hassl-3661	82	8	significant	significant	ADJ
hassl-3661	82	9	relationship	relationship	NOUN
hassl-3661	82	10	between	between	ADP
hassl-3661	82	11	financial	financial	ADJ
hassl-3661	82	12	technology	technology	NOUN
hassl-3661	82	13	and	and	CCONJ
hassl-3661	82	14	bank	bank	NOUN
hassl-3661	82	15	profitability	profitability	NOUN
hassl-3661	82	16	with	with	ADP
hassl-3661	82	17	progressive	progressive	ADJ
hassl-3661	82	18	institutions	institution	NOUN
hassl-3661	82	19	using	use	VERB
hassl-3661	82	20	technical	technical	ADJ
hassl-3661	82	21	breakthroughs	breakthrough	NOUN
hassl-3661	82	22	to	to	PART
hassl-3661	82	23	increase	increase	VERB
hassl-3661	82	24	profitability	profitability	NOUN
hassl-3661	82	25	in	in	ADP
hassl-3661	82	26	the	the	DET
hassl-3661	82	27	humanities	humanity	NOUN
hassl-3661	82	28	and	and	CCONJ
hassl-3661	82	29	social	social	ADJ
hassl-3661	82	30	sciences	science	NOUN
hassl-3661	82	31	letters	letter	NOUN
hassl-3661	82	32	,	,	PUNCT
hassl-3661	82	33	2024	2024	NUM
hassl-3661	82	34	,	,	PUNCT
hassl-3661	82	35	12(2	12(2	NUM
hassl-3661	82	36	):	):	PUNCT
hassl-3661	82	37	176	176	NUM
hassl-3661	82	38	-	-	SYM
hassl-3661	82	39	188	188	NUM
hassl-3661	82	40	179	179	NUM
hassl-3661	82	41	©	©	PROPN
hassl-3661	82	42	2024	2024	NUM
hassl-3661	82	43	conscientia	conscientia	PROPN
hassl-3661	82	44	beam	beam	PROPN
hassl-3661	82	45	.	.	PUNCT
hassl-3661	83	1	all	all	DET
hassl-3661	83	2	rights	right	NOUN
hassl-3661	83	3	reserved	reserve	VERB
hassl-3661	83	4	.	.	PUNCT
hassl-3661	84	1	digital	digital	ADJ
hassl-3661	84	2	era	era	NOUN
hassl-3661	84	3	(	(	PUNCT
hassl-3661	84	4	dong	dong	NOUN
hassl-3661	84	5	et	et	PROPN
hassl-3661	84	6	al	al	PROPN
hassl-3661	84	7	.	.	PROPN
hassl-3661	84	8	,	,	PUNCT
hassl-3661	84	9	2020	2020	NUM
hassl-3661	84	10	)	)	PUNCT
hassl-3661	84	11	.	.	PUNCT
hassl-3661	85	1	according	accord	VERB
hassl-3661	85	2	to	to	ADP
hassl-3661	85	3	the	the	DET
hassl-3661	85	4	transaction	transaction	NOUN
hassl-3661	85	5	cost	cost	NOUN
hassl-3661	85	6	hypothesis	hypothesis	NOUN
hassl-3661	85	7	,	,	PUNCT
hassl-3661	85	8	maximizing	maximize	VERB
hassl-3661	85	9	profit	profit	NOUN
hassl-3661	85	10	requires	require	VERB
hassl-3661	85	11	effort	effort	NOUN
hassl-3661	85	12	s	s	VERB
hassl-3661	85	13	to	to	PART
hassl-3661	85	14	minimize	minimize	VERB
hassl-3661	85	15	transaction	transaction	NOUN
hassl-3661	85	16	costs	cost	NOUN
hassl-3661	85	17	(	(	PUNCT
hassl-3661	85	18	jarah	jarah	PROPN
hassl-3661	85	19	,	,	PUNCT
hassl-3661	85	20	al	al	PROPN
hassl-3661	85	21	jarrah	jarrah	PROPN
hassl-3661	85	22	,	,	PUNCT
hassl-3661	85	23	al	al	PROPN
hassl-3661	85	24	-	-	PUNCT
hassl-3661	85	25	zaqeba	zaqeba	PROPN
hassl-3661	85	26	,	,	PUNCT
hassl-3661	85	27	&	&	CCONJ
hassl-3661	85	28	al	al	PROPN
hassl-3661	85	29	-	-	PUNCT
hassl-3661	85	30	jarrah	jarrah	PROPN
hassl-3661	85	31	,	,	PUNCT
hassl-3661	85	32	2022	2022	NUM
hassl-3661	85	33	)	)	PUNCT
hassl-3661	85	34	.	.	PUNCT
hassl-3661	86	1	businesses	business	NOUN
hassl-3661	86	2	need	need	VERB
hassl-3661	86	3	to	to	PART
hassl-3661	86	4	implement	implement	VERB
hassl-3661	86	5	an	an	DET
hassl-3661	86	6	optimal	optimal	ADJ
hassl-3661	86	7	organizational	organizational	ADJ
hassl-3661	86	8	structure	structure	NOUN
hassl-3661	86	9	that	that	PRON
hassl-3661	86	10	reduces	reduce	VERB
hassl-3661	86	11	these	these	DET
hassl-3661	86	12	costs	cost	NOUN
hassl-3661	86	13	.	.	PUNCT
hassl-3661	87	1	for	for	ADP
hassl-3661	87	2	example	example	NOUN
hassl-3661	87	3	,	,	PUNCT
hassl-3661	87	4	they	they	PRON
hassl-3661	87	5	can	can	AUX
hassl-3661	87	6	pursue	pursue	VERB
hassl-3661	87	7	forward	forward	ADJ
hassl-3661	87	8	integration	integration	NOUN
hassl-3661	87	9	or	or	CCONJ
hassl-3661	87	10	acquire	acquire	VERB
hassl-3661	87	11	talented	talented	ADJ
hassl-3661	87	12	individuals	individual	NOUN
hassl-3661	87	13	(	(	PUNCT
hassl-3661	87	14	medyawati	medyawati	NOUN
hassl-3661	87	15	et	et	PROPN
hassl-3661	87	16	al	al	PROPN
hassl-3661	87	17	.	.	PROPN
hassl-3661	87	18	,	,	PUNCT
hassl-3661	87	19	2021	2021	NUM
hassl-3661	87	20	)	)	PUNCT
hassl-3661	87	21	.	.	PUNCT
hassl-3661	88	1	global	global	ADJ
hassl-3661	88	2	connectedness	connectedness	NOUN
hassl-3661	88	3	has	have	AUX
hassl-3661	88	4	been	be	AUX
hassl-3661	88	5	made	make	VERB
hassl-3661	88	6	possible	possible	ADJ
hassl-3661	88	7	by	by	ADP
hassl-3661	88	8	the	the	DET
hassl-3661	88	9	introduction	introduction	NOUN
hassl-3661	88	10	of	of	ADP
hassl-3661	88	11	the	the	DET
hassl-3661	88	12	internet	internet	NOUN
hassl-3661	88	13	and	and	CCONJ
hassl-3661	88	14	other	other	ADJ
hassl-3661	88	15	new	new	ADJ
hassl-3661	88	16	technologies	technology	NOUN
hassl-3661	88	17	allowing	allow	VERB
hassl-3661	88	18	companies	company	NOUN
hassl-3661	88	19	to	to	PART
hassl-3661	88	20	connect	connect	VERB
hassl-3661	88	21	with	with	ADP
hassl-3661	88	22	reasonably	reasonably	ADV
hassl-3661	88	23	priced	price	VERB
hassl-3661	88	24	suppliers	supplier	NOUN
hassl-3661	88	25	from	from	ADP
hassl-3661	88	26	all	all	ADV
hassl-3661	88	27	over	over	ADP
hassl-3661	88	28	the	the	DET
hassl-3661	88	29	world	world	NOUN
hassl-3661	88	30	.	.	PUNCT
hassl-3661	89	1	as	as	ADP
hassl-3661	89	2	a	a	DET
hassl-3661	89	3	result	result	NOUN
hassl-3661	89	4	,	,	PUNCT
hassl-3661	89	5	considerable	considerable	ADJ
hassl-3661	89	6	forward	forward	ADJ
hassl-3661	89	7	integration	integration	NOUN
hassl-3661	89	8	is	be	AUX
hassl-3661	89	9	not	not	PART
hassl-3661	89	10	required	require	VERB
hassl-3661	89	11	.	.	PUNCT
hassl-3661	90	1	the	the	DET
hassl-3661	90	2	strategic	strategic	ADJ
hassl-3661	90	3	use	use	NOUN
hassl-3661	90	4	of	of	ADP
hassl-3661	90	5	information	information	NOUN
hassl-3661	90	6	technology	technology	NOUN
hassl-3661	90	7	(	(	PUNCT
hassl-3661	90	8	it	it	PRON
hassl-3661	90	9	)	)	PUNCT
hassl-3661	90	10	is	be	AUX
hassl-3661	90	11	essential	essential	ADJ
hassl-3661	90	12	for	for	ADP
hassl-3661	90	13	boosting	boost	VERB
hassl-3661	90	14	profitability	profitability	NOUN
hassl-3661	90	15	because	because	SCONJ
hassl-3661	90	16	an	an	DET
hassl-3661	90	17	organization	organization	NOUN
hassl-3661	90	18	's	's	PART
hassl-3661	90	19	size	size	NOUN
hassl-3661	90	20	can	can	AUX
hassl-3661	90	21	not	not	PART
hassl-3661	90	22	always	always	ADV
hassl-3661	90	23	be	be	AUX
hassl-3661	90	24	raised	raise	VERB
hassl-3661	90	25	or	or	CCONJ
hassl-3661	90	26	lowered	lower	VERB
hassl-3661	90	27	(	(	PUNCT
hassl-3661	90	28	chhaidar	chhaidar	NOUN
hassl-3661	90	29	et	et	PROPN
hassl-3661	90	30	al	al	PROPN
hassl-3661	90	31	.	.	PROPN
hassl-3661	90	32	,	,	PUNCT
hassl-3661	90	33	2023	2023	NUM
hassl-3661	90	34	)	)	PUNCT
hassl-3661	90	35	.	.	PUNCT
hassl-3661	91	1	information	information	NOUN
hassl-3661	91	2	technology	technology	NOUN
hassl-3661	91	3	can	can	AUX
hassl-3661	91	4	reduce	reduce	VERB
hassl-3661	91	5	agency	agency	NOUN
hassl-3661	91	6	costs	cost	NOUN
hassl-3661	91	7	within	within	ADP
hassl-3661	91	8	a	a	DET
hassl-3661	91	9	company	company	NOUN
hassl-3661	91	10	(	(	PUNCT
hassl-3661	91	11	gellweiler	gellweiler	PROPN
hassl-3661	91	12	&	&	CCONJ
hassl-3661	91	13	krishnamurthi	krishnamurthi	PROPN
hassl-3661	91	14	,	,	PUNCT
hassl-3661	91	15	2020	2020	NUM
hassl-3661	91	16	)	)	PUNCT
hassl-3661	91	17	.	.	PUNCT
hassl-3661	92	1	according	accord	VERB
hassl-3661	92	2	to	to	ADP
hassl-3661	92	3	the	the	DET
hassl-3661	92	4	agency	agency	NOUN
hassl-3661	92	5	theory	theory	NOUN
hassl-3661	92	6	,	,	PUNCT
hassl-3661	92	7	a	a	DET
hassl-3661	92	8	company	company	NOUN
hassl-3661	92	9	can	can	AUX
hassl-3661	92	10	be	be	AUX
hassl-3661	92	11	seen	see	VERB
hassl-3661	92	12	as	as	ADP
hassl-3661	92	13	a	a	DET
hassl-3661	92	14	network	network	NOUN
hassl-3661	92	15	of	of	ADP
hassl-3661	92	16	contractual	contractual	ADJ
hassl-3661	92	17	relationships	relationship	NOUN
hassl-3661	92	18	between	between	ADP
hassl-3661	92	19	individuals	individual	NOUN
hassl-3661	92	20	(	(	PUNCT
hassl-3661	92	21	le	le	X
hassl-3661	92	22	&	&	CCONJ
hassl-3661	92	23	ngo	ngo	PROPN
hassl-3661	92	24	,	,	PUNCT
hassl-3661	92	25	2020	2020	NUM
hassl-3661	92	26	)	)	PUNCT
hassl-3661	92	27	.	.	PUNCT
hassl-3661	93	1	agency	agency	NOUN
hassl-3661	93	2	costs	cost	NOUN
hassl-3661	93	3	arise	arise	VERB
hassl-3661	93	4	from	from	ADP
hassl-3661	93	5	these	these	DET
hassl-3661	93	6	contractual	contractual	ADJ
hassl-3661	93	7	agreements	agreement	NOUN
hassl-3661	93	8	such	such	ADJ
hassl-3661	93	9	as	as	ADP
hassl-3661	93	10	those	those	PRON
hassl-3661	93	11	with	with	ADP
hassl-3661	93	12	employees	employee	NOUN
hassl-3661	93	13	,	,	PUNCT
hassl-3661	93	14	suppliers	supplier	NOUN
hassl-3661	93	15	and	and	CCONJ
hassl-3661	93	16	customers	customer	NOUN
hassl-3661	93	17	.	.	PUNCT
hassl-3661	94	1	recent	recent	ADJ
hassl-3661	94	2	technologies	technology	NOUN
hassl-3661	94	3	such	such	ADJ
hassl-3661	94	4	as	as	ADP
hassl-3661	94	5	keystroke	keystroke	NOUN
hassl-3661	94	6	logging	logging	NOUN
hassl-3661	94	7	,	,	PUNCT
hassl-3661	94	8	internet	internet	NOUN
hassl-3661	94	9	monitoring	monitoring	NOUN
hassl-3661	94	10	and	and	CCONJ
hassl-3661	94	11	other	other	ADJ
hassl-3661	94	12	staff	staff	NOUN
hassl-3661	94	13	monitoring	monitoring	NOUN
hassl-3661	94	14	tools	tool	NOUN
hassl-3661	94	15	have	have	AUX
hassl-3661	94	16	emerged	emerge	VERB
hassl-3661	94	17	to	to	PART
hassl-3661	94	18	aid	aid	VERB
hassl-3661	94	19	in	in	ADP
hassl-3661	94	20	cost	cost	NOUN
hassl-3661	94	21	-	-	PUNCT
hassl-3661	94	22	saving	save	VERB
hassl-3661	94	23	measures	measure	NOUN
hassl-3661	94	24	and	and	CCONJ
hassl-3661	94	25	supervision	supervision	NOUN
hassl-3661	94	26	within	within	ADP
hassl-3661	94	27	agencies	agency	NOUN
hassl-3661	94	28	.	.	PUNCT
hassl-3661	95	1	in	in	ADP
hassl-3661	95	2	addition	addition	NOUN
hassl-3661	95	3	,	,	PUNCT
hassl-3661	95	4	it	it	PRON
hassl-3661	95	5	makes	make	VERB
hassl-3661	95	6	it	it	PRON
hassl-3661	95	7	possible	possible	ADJ
hassl-3661	95	8	for	for	SCONJ
hassl-3661	95	9	companies	company	NOUN
hassl-3661	95	10	to	to	PART
hassl-3661	95	11	gather	gather	VERB
hassl-3661	95	12	and	and	CCONJ
hassl-3661	95	13	analyze	analyze	VERB
hassl-3661	95	14	data	datum	NOUN
hassl-3661	95	15	at	at	ADP
hassl-3661	95	16	a	a	DET
hassl-3661	95	17	reduced	reduced	ADJ
hassl-3661	95	18	cost	cost	NOUN
hassl-3661	95	19	which	which	PRON
hassl-3661	95	20	lowers	lower	VERB
hassl-3661	95	21	management	management	NOUN
hassl-3661	95	22	costs	cost	NOUN
hassl-3661	95	23	and	and	CCONJ
hassl-3661	95	24	makes	make	VERB
hassl-3661	95	25	coordination	coordination	NOUN
hassl-3661	95	26	jobs	job	NOUN
hassl-3661	95	27	easier	easy	ADJ
hassl-3661	95	28	especially	especially	ADV
hassl-3661	95	29	for	for	ADP
hassl-3661	95	30	complex	complex	ADJ
hassl-3661	95	31	organizations	organization	NOUN
hassl-3661	95	32	(	(	PUNCT
hassl-3661	95	33	kanapiyanova	kanapiyanova	X
hassl-3661	95	34	et	et	PROPN
hassl-3661	95	35	al	al	PROPN
hassl-3661	95	36	.	.	PROPN
hassl-3661	95	37	,	,	PUNCT
hassl-3661	95	38	2023	2023	NUM
hassl-3661	95	39	)	)	PUNCT
hassl-3661	95	40	.	.	PUNCT
hassl-3661	96	1	numerous	numerous	ADJ
hassl-3661	96	2	investigations	investigation	NOUN
hassl-3661	96	3	of	of	ADP
hassl-3661	96	4	how	how	SCONJ
hassl-3661	96	5	financial	financial	ADJ
hassl-3661	96	6	technology	technology	NOUN
hassl-3661	96	7	affects	affect	VERB
hassl-3661	96	8	profitability	profitability	NOUN
hassl-3661	96	9	have	have	AUX
hassl-3661	96	10	been	be	AUX
hassl-3661	96	11	done	do	VERB
hassl-3661	96	12	.	.	PUNCT
hassl-3661	97	1	hernando	hernando	PROPN
hassl-3661	97	2	and	and	CCONJ
hassl-3661	97	3	nieto	nieto	PROPN
hassl-3661	97	4	(	(	PUNCT
hassl-3661	97	5	2007	2007	NUM
hassl-3661	97	6	)	)	PUNCT
hassl-3661	97	7	focused	focus	VERB
hassl-3661	97	8	on	on	ADP
hassl-3661	97	9	the	the	DET
hassl-3661	97	10	consequences	consequence	NOUN
hassl-3661	97	11	of	of	ADP
hassl-3661	97	12	using	use	VERB
hassl-3661	97	13	the	the	DET
hassl-3661	97	14	internet	internet	NOUN
hassl-3661	97	15	channel	channel	NOUN
hassl-3661	97	16	while	while	SCONJ
hassl-3661	97	17	looking	look	VERB
hassl-3661	97	18	at	at	ADP
hassl-3661	97	19	72	72	NUM
hassl-3661	97	20	commercial	commercial	ADJ
hassl-3661	97	21	banks	bank	NOUN
hassl-3661	97	22	in	in	ADP
hassl-3661	97	23	spain	spain	PROPN
hassl-3661	97	24	between	between	ADP
hassl-3661	97	25	1994	1994	NUM
hassl-3661	97	26	and	and	CCONJ
hassl-3661	97	27	2002	2002	NUM
hassl-3661	97	28	.	.	PUNCT
hassl-3661	98	1	according	accord	VERB
hassl-3661	98	2	to	to	ADP
hassl-3661	98	3	their	their	PRON
hassl-3661	98	4	empirical	empirical	ADJ
hassl-3661	98	5	findings	finding	NOUN
hassl-3661	98	6	,	,	PUNCT
hassl-3661	98	7	the	the	DET
hassl-3661	98	8	use	use	NOUN
hassl-3661	98	9	of	of	ADP
hassl-3661	98	10	the	the	DET
hassl-3661	98	11	internet	internet	NOUN
hassl-3661	98	12	channel	channel	NOUN
hassl-3661	98	13	by	by	ADP
hassl-3661	98	14	banks	bank	NOUN
hassl-3661	98	15	increases	increase	VERB
hassl-3661	98	16	their	their	PRON
hassl-3661	98	17	return	return	NOUN
hassl-3661	98	18	on	on	ADP
hassl-3661	98	19	assets	asset	NOUN
hassl-3661	98	20	(	(	PUNCT
hassl-3661	98	21	roa	roa	NOUN
hassl-3661	98	22	)	)	PUNCT
hassl-3661	98	23	and	and	CCONJ
hassl-3661	98	24	return	return	VERB
hassl-3661	98	25	on	on	ADP
hassl-3661	98	26	equity	equity	NOUN
hassl-3661	98	27	(	(	PUNCT
hassl-3661	98	28	roe	roe	PROPN
hassl-3661	98	29	)	)	PUNCT
hassl-3661	98	30	.	.	PUNCT
hassl-3661	99	1	campanella	campanella	PROPN
hassl-3661	99	2	,	,	PUNCT
hassl-3661	99	3	della	della	PROPN
hassl-3661	99	4	peruta	peruta	NOUN
hassl-3661	99	5	,	,	PUNCT
hassl-3661	99	6	and	and	CCONJ
hassl-3661	99	7	del	del	PROPN
hassl-3661	99	8	giudice	giudice	PROPN
hassl-3661	99	9	(	(	PUNCT
hassl-3661	99	10	2017	2017	NUM
hassl-3661	99	11	)	)	PUNCT
hassl-3661	99	12	examined	examine	VERB
hassl-3661	99	13	the	the	DET
hassl-3661	99	14	profitability	profitability	NOUN
hassl-3661	99	15	of	of	ADP
hassl-3661	99	16	3,692	3,692	NUM
hassl-3661	99	17	banks	bank	NOUN
hassl-3661	99	18	in	in	ADP
hassl-3661	99	19	28	28	NUM
hassl-3661	99	20	european	european	ADJ
hassl-3661	99	21	nations	nation	NOUN
hassl-3661	99	22	in	in	ADP
hassl-3661	99	23	2013	2013	NUM
hassl-3661	99	24	focusing	focus	VERB
hassl-3661	99	25	on	on	ADP
hassl-3661	99	26	the	the	DET
hassl-3661	99	27	effects	effect	NOUN
hassl-3661	99	28	of	of	ADP
hassl-3661	99	29	three	three	NUM
hassl-3661	99	30	forms	form	NOUN
hassl-3661	99	31	of	of	ADP
hassl-3661	99	32	information	information	NOUN
hassl-3661	99	33	technology	technology	NOUN
hassl-3661	99	34	:	:	PUNCT
hassl-3661	99	35	retail	retail	ADJ
hassl-3661	99	36	internet	internet	NOUN
hassl-3661	99	37	,	,	PUNCT
hassl-3661	99	38	home	home	NOUN
hassl-3661	99	39	banking	banking	NOUN
hassl-3661	99	40	and	and	CCONJ
hassl-3661	99	41	corporate	corporate	ADJ
hassl-3661	99	42	internet	internet	NOUN
hassl-3661	99	43	.they	.they	PRON
hassl-3661	99	44	found	find	VERB
hassl-3661	99	45	a	a	DET
hassl-3661	99	46	strong	strong	ADJ
hassl-3661	99	47	correlation	correlation	NOUN
hassl-3661	99	48	between	between	ADP
hassl-3661	99	49	the	the	DET
hassl-3661	99	50	profitability	profitability	NOUN
hassl-3661	99	51	of	of	ADP
hassl-3661	99	52	european	european	ADJ
hassl-3661	99	53	banks	bank	NOUN
hassl-3661	99	54	and	and	CCONJ
hassl-3661	99	55	all	all	DET
hassl-3661	99	56	sorts	sort	NOUN
hassl-3661	99	57	of	of	ADP
hassl-3661	99	58	it	it	PRON
hassl-3661	99	59	investment	investment	NOUN
hassl-3661	99	60	.	.	PUNCT
hassl-3661	100	1	tunay	tunay	PROPN
hassl-3661	100	2	,	,	PUNCT
hassl-3661	100	3	tunay	tunay	PROPN
hassl-3661	100	4	,	,	PUNCT
hassl-3661	100	5	and	and	CCONJ
hassl-3661	100	6	akhisar	akhisar	ADJ
hassl-3661	100	7	(	(	PUNCT
hassl-3661	100	8	2015	2015	NUM
hassl-3661	100	9	)	)	PUNCT
hassl-3661	100	10	investigated	investigate	VERB
hassl-3661	100	11	the	the	DET
hassl-3661	100	12	relationship	relationship	NOUN
hassl-3661	100	13	between	between	ADP
hassl-3661	100	14	internet	internet	NOUN
hassl-3661	100	15	banking	banking	NOUN
hassl-3661	100	16	and	and	CCONJ
hassl-3661	100	17	bank	bank	NOUN
hassl-3661	100	18	financial	financial	ADJ
hassl-3661	100	19	performance	performance	NOUN
hassl-3661	100	20	in	in	ADP
hassl-3661	100	21	30	30	NUM
hassl-3661	100	22	european	european	ADJ
hassl-3661	100	23	countries	country	NOUN
hassl-3661	100	24	between	between	ADP
hassl-3661	100	25	2005	2005	NUM
hassl-3661	100	26	and	and	CCONJ
hassl-3661	100	27	2013	2013	NUM
hassl-3661	100	28	using	use	VERB
hassl-3661	100	29	the	the	DET
hassl-3661	100	30	roe	roe	NOUN
hassl-3661	100	31	and	and	CCONJ
hassl-3661	100	32	roa	roa	PROPN
hassl-3661	100	33	standards	standard	NOUN
hassl-3661	100	34	.	.	PUNCT
hassl-3661	101	1	their	their	PRON
hassl-3661	101	2	study	study	NOUN
hassl-3661	101	3	revealed	reveal	VERB
hassl-3661	101	4	a	a	DET
hassl-3661	101	5	clear	clear	ADJ
hassl-3661	101	6	relationship	relationship	NOUN
hassl-3661	101	7	between	between	ADP
hassl-3661	101	8	the	the	DET
hassl-3661	101	9	efficiency	efficiency	NOUN
hassl-3661	101	10	and	and	CCONJ
hassl-3661	101	11	profitability	profitability	NOUN
hassl-3661	101	12	of	of	ADP
hassl-3661	101	13	online	online	ADJ
hassl-3661	101	14	banking	banking	NOUN
hassl-3661	101	15	.	.	PUNCT
hassl-3661	102	1	according	accord	VERB
hassl-3661	102	2	to	to	ADP
hassl-3661	102	3	cho	cho	PROPN
hassl-3661	102	4	and	and	CCONJ
hassl-3661	102	5	chen	chen	PROPN
hassl-3661	102	6	(	(	PUNCT
hassl-3661	102	7	2021	2021	NUM
hassl-3661	102	8	)	)	PUNCT
hassl-3661	102	9	fintech	fintech	NOUN
hassl-3661	102	10	is	be	AUX
hassl-3661	102	11	viewed	view	VERB
hassl-3661	102	12	as	as	ADP
hassl-3661	102	13	a	a	DET
hassl-3661	102	14	way	way	NOUN
hassl-3661	102	15	to	to	PART
hassl-3661	102	16	improve	improve	VERB
hassl-3661	102	17	banking	banking	NOUN
hassl-3661	102	18	efficiency	efficiency	NOUN
hassl-3661	102	19	in	in	ADP
hassl-3661	102	20	china	china	PROPN
hassl-3661	102	21	.	.	PUNCT
hassl-3661	103	1	according	accord	VERB
hassl-3661	103	2	to	to	ADP
hassl-3661	103	3	kou	kou	PROPN
hassl-3661	103	4	,	,	PUNCT
hassl-3661	103	5	olgu	olgu	ADJ
hassl-3661	103	6	akdeniz	akdeniz	NOUN
hassl-3661	103	7	,	,	PUNCT
hassl-3661	103	8	dinçer	dinçer	NOUN
hassl-3661	103	9	,	,	PUNCT
hassl-3661	103	10	and	and	CCONJ
hassl-3661	103	11	yüksel	yüksel	PROPN
hassl-3661	103	12	(	(	PUNCT
hassl-3661	103	13	2021	2021	NUM
hassl-3661	103	14	)	)	PUNCT
hassl-3661	103	15	fintech	fintech	NOUN
hassl-3661	103	16	increases	increase	VERB
hassl-3661	103	17	the	the	DET
hassl-3661	103	18	competitiveness	competitiveness	NOUN
hassl-3661	103	19	of	of	ADP
hassl-3661	103	20	european	european	ADJ
hassl-3661	103	21	banks	bank	NOUN
hassl-3661	103	22	which	which	PRON
hassl-3661	103	23	enhances	enhance	VERB
hassl-3661	103	24	their	their	PRON
hassl-3661	103	25	financial	financial	ADJ
hassl-3661	103	26	performance	performance	NOUN
hassl-3661	103	27	.	.	PUNCT
hassl-3661	104	1	dadoukis	dadouki	NOUN
hassl-3661	104	2	,	,	PUNCT
hassl-3661	104	3	fiaschetti	fiaschetti	NOUN
hassl-3661	104	4	,	,	PUNCT
hassl-3661	104	5	and	and	CCONJ
hassl-3661	104	6	fusi	fusi	PROPN
hassl-3661	104	7	(	(	PUNCT
hassl-3661	104	8	2021	2021	NUM
hassl-3661	104	9	)	)	PUNCT
hassl-3661	104	10	conducted	conduct	VERB
hassl-3661	104	11	a	a	DET
hassl-3661	104	12	study	study	NOUN
hassl-3661	104	13	to	to	PART
hassl-3661	104	14	examine	examine	VERB
hassl-3661	104	15	the	the	DET
hassl-3661	104	16	impact	impact	NOUN
hassl-3661	104	17	of	of	ADP
hassl-3661	104	18	information	information	NOUN
hassl-3661	104	19	technology	technology	NOUN
hassl-3661	104	20	deployment	deployment	NOUN
hassl-3661	104	21	on	on	ADP
hassl-3661	104	22	bank	bank	NOUN
hassl-3661	104	23	performance	performance	NOUN
hassl-3661	104	24	during	during	ADP
hassl-3661	104	25	the	the	DET
hassl-3661	104	26	covid-19	covid-19	PROPN
hassl-3661	104	27	pandemic	pandemic	NOUN
hassl-3661	104	28	.	.	PUNCT
hassl-3661	105	1	the	the	DET
hassl-3661	105	2	research	research	NOUN
hassl-3661	105	3	concluded	conclude	VERB
hassl-3661	105	4	that	that	SCONJ
hassl-3661	105	5	banks	bank	NOUN
hassl-3661	105	6	'	'	PART
hassl-3661	105	7	stability	stability	NOUN
hassl-3661	105	8	and	and	CCONJ
hassl-3661	105	9	soundness	soundness	NOUN
hassl-3661	105	10	were	be	AUX
hassl-3661	105	11	improved	improve	VERB
hassl-3661	105	12	by	by	ADP
hassl-3661	105	13	using	use	VERB
hassl-3661	105	14	it	it	PRON
hassl-3661	105	15	during	during	ADP
hassl-3661	105	16	this	this	DET
hassl-3661	105	17	crisis	crisis	NOUN
hassl-3661	105	18	.	.	PUNCT
hassl-3661	106	1	2.3	2.3	NUM
hassl-3661	106	2	.	.	PUNCT
hassl-3661	107	1	previous	previous	ADJ
hassl-3661	107	2	studies	study	NOUN
hassl-3661	107	3	the	the	DET
hassl-3661	107	4	literature	literature	NOUN
hassl-3661	107	5	on	on	ADP
hassl-3661	107	6	financial	financial	ADJ
hassl-3661	107	7	technology	technology	NOUN
hassl-3661	107	8	(	(	PUNCT
hassl-3661	107	9	fintech	fintech	NOUN
hassl-3661	107	10	)	)	PUNCT
hassl-3661	107	11	and	and	CCONJ
hassl-3661	107	12	its	its	PRON
hassl-3661	107	13	implications	implication	NOUN
hassl-3661	107	14	for	for	ADP
hassl-3661	107	15	profitability	profitability	NOUN
hassl-3661	107	16	has	have	AUX
hassl-3661	107	17	provided	provide	VERB
hassl-3661	107	18	a	a	DET
hassl-3661	107	19	critical	critical	ADJ
hassl-3661	107	20	foundation	foundation	NOUN
hassl-3661	107	21	for	for	ADP
hassl-3661	107	22	understanding	understand	VERB
hassl-3661	107	23	the	the	DET
hassl-3661	107	24	evolving	evolve	VERB
hassl-3661	107	25	landscape	landscape	NOUN
hassl-3661	107	26	of	of	ADP
hassl-3661	107	27	modern	modern	ADJ
hassl-3661	107	28	banking	banking	NOUN
hassl-3661	107	29	.	.	PUNCT
hassl-3661	108	1	this	this	DET
hassl-3661	108	2	section	section	NOUN
hassl-3661	108	3	provides	provide	VERB
hassl-3661	108	4	a	a	DET
hassl-3661	108	5	thorough	thorough	ADJ
hassl-3661	108	6	analysis	analysis	NOUN
hassl-3661	108	7	of	of	ADP
hassl-3661	108	8	the	the	DET
hassl-3661	108	9	literature	literature	NOUN
hassl-3661	108	10	that	that	PRON
hassl-3661	108	11	has	have	AUX
hassl-3661	108	12	addressed	address	VERB
hassl-3661	108	13	various	various	ADJ
hassl-3661	108	14	fintech	fintech	NOUN
hassl-3661	108	15	dimensions	dimension	NOUN
hassl-3661	108	16	as	as	SCONJ
hassl-3661	108	17	the	the	DET
hassl-3661	108	18	industry	industry	NOUN
hassl-3661	108	19	undergoes	undergo	VERB
hassl-3661	108	20	a	a	DET
hassl-3661	108	21	rapid	rapid	ADJ
hassl-3661	108	22	transformation	transformation	NOUN
hassl-3661	108	23	driven	drive	VERB
hassl-3661	108	24	by	by	ADP
hassl-3661	108	25	technological	technological	ADJ
hassl-3661	108	26	advancements	advancement	NOUN
hassl-3661	108	27	.	.	PUNCT
hassl-3661	109	1	chhaidar	chhaidar	PROPN
hassl-3661	109	2	et	et	PROPN
hassl-3661	109	3	al	al	PROPN
hassl-3661	109	4	.	.	PROPN
hassl-3661	110	1	(	(	PUNCT
hassl-3661	110	2	2023	2023	NUM
hassl-3661	110	3	)	)	PUNCT
hassl-3661	110	4	examined	examine	VERB
hassl-3661	110	5	the	the	DET
hassl-3661	110	6	relationship	relationship	NOUN
hassl-3661	110	7	between	between	ADP
hassl-3661	110	8	the	the	DET
hassl-3661	110	9	size	size	NOUN
hassl-3661	110	10	of	of	ADP
hassl-3661	110	11	banks	bank	NOUN
hassl-3661	110	12	,	,	PUNCT
hassl-3661	110	13	digital	digital	ADJ
hassl-3661	110	14	transformation	transformation	NOUN
hassl-3661	110	15	(	(	PUNCT
hassl-3661	110	16	digitization	digitization	NOUN
hassl-3661	110	17	)	)	PUNCT
hassl-3661	110	18	,	,	PUNCT
hassl-3661	110	19	fintech	fintech	NOUN
hassl-3661	110	20	investments	investment	NOUN
hassl-3661	110	21	and	and	CCONJ
hassl-3661	110	22	financial	financial	ADJ
hassl-3661	110	23	performance	performance	NOUN
hassl-3661	110	24	.	.	PUNCT
hassl-3661	111	1	they	they	PRON
hassl-3661	111	2	found	find	VERB
hassl-3661	111	3	that	that	SCONJ
hassl-3661	111	4	fintech	fintech	NOUN
hassl-3661	111	5	has	have	VERB
hassl-3661	111	6	a	a	DET
hassl-3661	111	7	significant	significant	ADJ
hassl-3661	111	8	and	and	CCONJ
hassl-3661	111	9	positive	positive	ADJ
hassl-3661	111	10	effect	effect	NOUN
hassl-3661	111	11	on	on	ADP
hassl-3661	111	12	bank	bank	NOUN
hassl-3661	111	13	profitability	profitability	NOUN
hassl-3661	111	14	indicating	indicate	VERB
hassl-3661	111	15	that	that	SCONJ
hassl-3661	111	16	as	as	SCONJ
hassl-3661	111	17	banks	bank	NOUN
hassl-3661	111	18	increase	increase	VERB
hassl-3661	111	19	their	their	PRON
hassl-3661	111	20	level	level	NOUN
hassl-3661	111	21	of	of	ADP
hassl-3661	111	22	digital	digital	ADJ
hassl-3661	111	23	involvement	involvement	NOUN
hassl-3661	111	24	,	,	PUNCT
hassl-3661	111	25	their	their	PRON
hassl-3661	111	26	profitability	profitability	NOUN
hassl-3661	111	27	improves	improve	VERB
hassl-3661	111	28	.	.	PUNCT
hassl-3661	112	1	moreover	moreover	ADV
hassl-3661	112	2	,	,	PUNCT
hassl-3661	112	3	the	the	DET
hassl-3661	112	4	findings	finding	NOUN
hassl-3661	112	5	indicated	indicate	VERB
hassl-3661	112	6	that	that	SCONJ
hassl-3661	112	7	the	the	DET
hassl-3661	112	8	profitability	profitability	NOUN
hassl-3661	112	9	of	of	ADP
hassl-3661	112	10	digital	digital	ADJ
hassl-3661	112	11	investments	investment	NOUN
hassl-3661	112	12	is	be	AUX
hassl-3661	112	13	influenced	influence	VERB
hassl-3661	112	14	by	by	ADP
hassl-3661	112	15	the	the	DET
hassl-3661	112	16	size	size	NOUN
hassl-3661	112	17	of	of	ADP
hassl-3661	112	18	the	the	DET
hassl-3661	112	19	bank	bank	NOUN
hassl-3661	112	20	which	which	PRON
hassl-3661	112	21	acts	act	VERB
hassl-3661	112	22	as	as	ADP
hassl-3661	112	23	a	a	DET
hassl-3661	112	24	moderating	moderate	VERB
hassl-3661	112	25	factor	factor	NOUN
hassl-3661	112	26	.	.	PUNCT
hassl-3661	113	1	however	however	ADV
hassl-3661	113	2	,	,	PUNCT
hassl-3661	113	3	larger	large	ADJ
hassl-3661	113	4	banks	bank	NOUN
hassl-3661	113	5	tend	tend	VERB
hassl-3661	113	6	to	to	PART
hassl-3661	113	7	derive	derive	VERB
hassl-3661	113	8	greater	great	ADJ
hassl-3661	113	9	benefits	benefit	NOUN
hassl-3661	113	10	from	from	ADP
hassl-3661	113	11	financial	financial	ADJ
hassl-3661	113	12	technology	technology	NOUN
hassl-3661	113	13	investments	investment	NOUN
hassl-3661	113	14	in	in	ADP
hassl-3661	113	15	terms	term	NOUN
hassl-3661	113	16	of	of	ADP
hassl-3661	113	17	enhancing	enhance	VERB
hassl-3661	113	18	their	their	PRON
hassl-3661	113	19	performance	performance	NOUN
hassl-3661	113	20	.	.	PUNCT
hassl-3661	114	1	in	in	ADP
hassl-3661	114	2	addition	addition	NOUN
hassl-3661	114	3	,	,	PUNCT
hassl-3661	114	4	medyawati	medyawati	PROPN
hassl-3661	114	5	et	et	PROPN
hassl-3661	114	6	al	al	PROPN
hassl-3661	114	7	.	.	PROPN
hassl-3661	115	1	(	(	PUNCT
hassl-3661	115	2	2021	2021	NUM
hassl-3661	115	3	)	)	PUNCT
hassl-3661	115	4	explored	explore	VERB
hassl-3661	115	5	the	the	DET
hassl-3661	115	6	effect	effect	NOUN
hassl-3661	115	7	of	of	ADP
hassl-3661	115	8	financial	financial	ADJ
hassl-3661	115	9	technology	technology	NOUN
hassl-3661	115	10	on	on	ADP
hassl-3661	115	11	financial	financial	ADJ
hassl-3661	115	12	performance	performance	NOUN
hassl-3661	115	13	from	from	ADP
hassl-3661	115	14	2014	2014	NUM
hassl-3661	115	15	to	to	ADP
hassl-3661	115	16	2020	2020	NUM
hassl-3661	115	17	by	by	ADP
hassl-3661	115	18	assessing	assess	VERB
hassl-3661	115	19	financial	financial	ADJ
hassl-3661	115	20	technology	technology	NOUN
hassl-3661	115	21	based	base	VERB
hassl-3661	115	22	on	on	ADP
hassl-3661	115	23	the	the	DET
hassl-3661	115	24	number	number	NOUN
hassl-3661	115	25	of	of	ADP
hassl-3661	115	26	atm	atm	NOUN
hassl-3661	115	27	transactions	transaction	NOUN
hassl-3661	115	28	,	,	PUNCT
hassl-3661	115	29	internet	internet	NOUN
hassl-3661	115	30	banking	banking	NOUN
hassl-3661	115	31	transactions	transaction	NOUN
hassl-3661	115	32	and	and	CCONJ
hassl-3661	115	33	mobile	mobile	ADJ
hassl-3661	115	34	banking	banking	NOUN
hassl-3661	115	35	transactions	transaction	NOUN
hassl-3661	115	36	.	.	PUNCT
hassl-3661	116	1	they	they	PRON
hassl-3661	116	2	used	use	VERB
hassl-3661	116	3	return	return	NOUN
hassl-3661	116	4	on	on	ADP
hassl-3661	116	5	assets	asset	NOUN
hassl-3661	116	6	(	(	PUNCT
hassl-3661	116	7	roa	roa	PROPN
hassl-3661	116	8	)	)	PUNCT
hassl-3661	116	9	,	,	PUNCT
hassl-3661	116	10	a	a	DET
hassl-3661	116	11	metric	metric	NOUN
hassl-3661	116	12	used	use	VERB
hassl-3661	116	13	to	to	PART
hassl-3661	116	14	measure	measure	VERB
hassl-3661	116	15	bank	bank	NOUN
hassl-3661	116	16	profitability	profitability	NOUN
hassl-3661	116	17	.	.	PUNCT
hassl-3661	117	1	with	with	ADP
hassl-3661	117	2	roa	roa	PROPN
hassl-3661	117	3	as	as	ADP
hassl-3661	117	4	the	the	DET
hassl-3661	117	5	dependent	dependent	ADJ
hassl-3661	117	6	variable	variable	NOUN
hassl-3661	117	7	and	and	CCONJ
hassl-3661	117	8	atm	atm	NOUN
hassl-3661	117	9	transactions	transaction	NOUN
hassl-3661	117	10	,	,	PUNCT
hassl-3661	117	11	internet	internet	NOUN
hassl-3661	117	12	banking	banking	NOUN
hassl-3661	117	13	and	and	CCONJ
hassl-3661	117	14	mobile	mobile	NOUN
hassl-3661	117	15	banking	banking	NOUN
hassl-3661	117	16	as	as	ADP
hassl-3661	117	17	the	the	DET
hassl-3661	117	18	independent	independent	ADJ
hassl-3661	117	19	humanities	humanity	NOUN
hassl-3661	117	20	and	and	CCONJ
hassl-3661	117	21	social	social	ADJ
hassl-3661	117	22	sciences	science	NOUN
hassl-3661	117	23	letters	letter	NOUN
hassl-3661	117	24	,	,	PUNCT
hassl-3661	117	25	2024	2024	NUM
hassl-3661	117	26	,	,	PUNCT
hassl-3661	117	27	12(2	12(2	NUM
hassl-3661	117	28	):	):	PUNCT
hassl-3661	117	29	176	176	NUM
hassl-3661	117	30	-	-	SYM
hassl-3661	117	31	188	188	NUM
hassl-3661	117	32	180	180	NUM
hassl-3661	117	33	©	©	PROPN
hassl-3661	117	34	2024	2024	NUM
hassl-3661	117	35	conscientia	conscientia	PROPN
hassl-3661	117	36	beam	beam	PROPN
hassl-3661	117	37	.	.	PUNCT
hassl-3661	118	1	all	all	DET
hassl-3661	118	2	rights	right	NOUN
hassl-3661	118	3	reserved	reserve	VERB
hassl-3661	118	4	.	.	PUNCT
hassl-3661	119	1	variables	variable	NOUN
hassl-3661	119	2	,	,	PUNCT
hassl-3661	119	3	panel	panel	NOUN
hassl-3661	119	4	data	datum	NOUN
hassl-3661	119	5	regression	regression	NOUN
hassl-3661	119	6	analysis	analysis	NOUN
hassl-3661	119	7	was	be	AUX
hassl-3661	119	8	used	use	VERB
hassl-3661	119	9	.	.	PUNCT
hassl-3661	120	1	six	six	NUM
hassl-3661	120	2	banks	bank	NOUN
hassl-3661	120	3	were	be	AUX
hassl-3661	120	4	selected	select	VERB
hassl-3661	120	5	as	as	ADP
hassl-3661	120	6	examples	example	NOUN
hassl-3661	120	7	after	after	ADP
hassl-3661	120	8	a	a	DET
hassl-3661	120	9	careful	careful	ADJ
hassl-3661	120	10	screening	screening	NOUN
hassl-3661	120	11	procedure	procedure	NOUN
hassl-3661	120	12	.	.	PUNCT
hassl-3661	121	1	the	the	DET
hassl-3661	121	2	results	result	NOUN
hassl-3661	121	3	showed	show	VERB
hassl-3661	121	4	that	that	SCONJ
hassl-3661	121	5	the	the	DET
hassl-3661	121	6	fixed	fix	VERB
hassl-3661	121	7	effect	effect	NOUN
hassl-3661	121	8	model	model	NOUN
hassl-3661	121	9	was	be	AUX
hassl-3661	121	10	the	the	DET
hassl-3661	121	11	most	most	ADV
hassl-3661	121	12	pertinent	pertinent	ADJ
hassl-3661	121	13	model	model	NOUN
hassl-3661	121	14	for	for	ADP
hassl-3661	121	15	elucidating	elucidate	VERB
hassl-3661	121	16	the	the	DET
hassl-3661	121	17	link	link	NOUN
hassl-3661	121	18	between	between	ADP
hassl-3661	121	19	financial	financial	ADJ
hassl-3661	121	20	technology	technology	NOUN
hassl-3661	121	21	and	and	CCONJ
hassl-3661	121	22	bank	bank	NOUN
hassl-3661	121	23	profitability	profitability	NOUN
hassl-3661	121	24	.	.	PUNCT
hassl-3661	122	1	in	in	ADP
hassl-3661	122	2	this	this	DET
hassl-3661	122	3	model	model	NOUN
hassl-3661	122	4	,	,	PUNCT
hassl-3661	122	5	roa	roa	PROPN
hassl-3661	122	6	is	be	AUX
hassl-3661	122	7	impacted	impact	VERB
hassl-3661	122	8	by	by	ADP
hassl-3661	122	9	online	online	ADJ
hassl-3661	122	10	and	and	CCONJ
hassl-3661	122	11	mobile	mobile	ADJ
hassl-3661	122	12	banking	banking	NOUN
hassl-3661	122	13	but	but	CCONJ
hassl-3661	122	14	not	not	PART
hassl-3661	122	15	by	by	ADP
hassl-3661	122	16	atm	atm	NOUN
hassl-3661	122	17	transactions	transaction	NOUN
hassl-3661	122	18	.	.	PUNCT
hassl-3661	123	1	moreover	moreover	ADV
hassl-3661	123	2	,	,	PUNCT
hassl-3661	123	3	nawafleh	nawafleh	ADJ
hassl-3661	123	4	(	(	PUNCT
hassl-3661	123	5	2015	2015	NUM
hassl-3661	123	6	)	)	PUNCT
hassl-3661	123	7	examined	examine	VERB
hassl-3661	123	8	the	the	DET
hassl-3661	123	9	impact	impact	NOUN
hassl-3661	123	10	of	of	ADP
hassl-3661	123	11	information	information	NOUN
hassl-3661	123	12	technology	technology	NOUN
hassl-3661	123	13	on	on	ADP
hassl-3661	123	14	bank	bank	NOUN
hassl-3661	123	15	profitability	profitability	NOUN
hassl-3661	123	16	.	.	PUNCT
hassl-3661	124	1	the	the	DET
hassl-3661	124	2	study	study	NOUN
hassl-3661	124	3	's	's	PART
hassl-3661	124	4	findings	finding	NOUN
hassl-3661	124	5	demonstrated	demonstrate	VERB
hassl-3661	124	6	that	that	SCONJ
hassl-3661	124	7	a	a	DET
hassl-3661	124	8	major	major	ADJ
hassl-3661	124	9	factor	factor	NOUN
hassl-3661	124	10	in	in	ADP
hassl-3661	124	11	the	the	DET
hassl-3661	124	12	challenges	challenge	NOUN
hassl-3661	124	13	associated	associate	VERB
hassl-3661	124	14	with	with	ADP
hassl-3661	124	15	introducing	introduce	VERB
hassl-3661	124	16	electronic	electronic	ADJ
hassl-3661	124	17	banking	banking	NOUN
hassl-3661	124	18	is	be	AUX
hassl-3661	124	19	demographic	demographic	ADJ
hassl-3661	124	20	factors	factor	NOUN
hassl-3661	124	21	.	.	PUNCT
hassl-3661	125	1	the	the	DET
hassl-3661	125	2	research	research	NOUN
hassl-3661	125	3	also	also	ADV
hassl-3661	125	4	found	find	VERB
hassl-3661	125	5	that	that	SCONJ
hassl-3661	125	6	the	the	DET
hassl-3661	125	7	capital	capital	NOUN
hassl-3661	125	8	of	of	ADP
hassl-3661	125	9	commercial	commercial	ADJ
hassl-3661	125	10	banks	bank	NOUN
hassl-3661	125	11	significantly	significantly	ADV
hassl-3661	125	12	influences	influence	VERB
hassl-3661	125	13	their	their	PRON
hassl-3661	125	14	expansion	expansion	NOUN
hassl-3661	125	15	.	.	PUNCT
hassl-3661	126	1	according	accord	VERB
hassl-3661	126	2	to	to	ADP
hassl-3661	126	3	yang	yang	PROPN
hassl-3661	126	4	's	's	PART
hassl-3661	126	5	(	(	PUNCT
hassl-3661	126	6	2023	2023	NUM
hassl-3661	126	7	)	)	PUNCT
hassl-3661	126	8	research	research	NOUN
hassl-3661	126	9	,	,	PUNCT
hassl-3661	126	10	the	the	DET
hassl-3661	126	11	main	main	ADJ
hassl-3661	126	12	goals	goal	NOUN
hassl-3661	126	13	were	be	AUX
hassl-3661	126	14	to	to	PART
hassl-3661	126	15	compare	compare	VERB
hassl-3661	126	16	the	the	DET
hassl-3661	126	17	profitability	profitability	NOUN
hassl-3661	126	18	of	of	ADP
hassl-3661	126	19	banks	bank	NOUN
hassl-3661	126	20	in	in	ADP
hassl-3661	126	21	urban	urban	ADJ
hassl-3661	126	22	regions	region	NOUN
hassl-3661	126	23	with	with	ADP
hassl-3661	126	24	those	those	PRON
hassl-3661	126	25	in	in	ADP
hassl-3661	126	26	the	the	DET
hassl-3661	126	27	farm	farm	NOUN
hassl-3661	126	28	sector	sector	NOUN
hassl-3661	126	29	and	and	CCONJ
hassl-3661	126	30	to	to	PART
hassl-3661	126	31	look	look	VERB
hassl-3661	126	32	at	at	ADP
hassl-3661	126	33	the	the	DET
hassl-3661	126	34	total	total	ADJ
hassl-3661	126	35	profitability	profitability	NOUN
hassl-3661	126	36	of	of	ADP
hassl-3661	126	37	commercial	commercial	ADJ
hassl-3661	126	38	banks	bank	NOUN
hassl-3661	126	39	in	in	ADP
hassl-3661	126	40	both	both	CCONJ
hassl-3661	126	41	urban	urban	ADJ
hassl-3661	126	42	and	and	CCONJ
hassl-3661	126	43	rural	rural	ADJ
hassl-3661	126	44	areas	area	NOUN
hassl-3661	126	45	.	.	PUNCT
hassl-3661	127	1	the	the	DET
hassl-3661	127	2	study	study	NOUN
hassl-3661	127	3	used	use	VERB
hassl-3661	127	4	panel	panel	NOUN
hassl-3661	127	5	data	datum	NOUN
hassl-3661	127	6	analysis	analysis	NOUN
hassl-3661	127	7	to	to	PART
hassl-3661	127	8	experimentally	experimentally	ADV
hassl-3661	127	9	examine	examine	VERB
hassl-3661	127	10	the	the	DET
hassl-3661	127	11	effects	effect	NOUN
hassl-3661	127	12	of	of	ADP
hassl-3661	127	13	financial	financial	ADJ
hassl-3661	127	14	technology	technology	NOUN
hassl-3661	127	15	using	use	VERB
hassl-3661	127	16	accepted	accept	VERB
hassl-3661	127	17	theories	theory	NOUN
hassl-3661	127	18	and	and	CCONJ
hassl-3661	127	19	techniques	technique	NOUN
hassl-3661	127	20	.	.	PUNCT
hassl-3661	128	1	the	the	DET
hassl-3661	128	2	results	result	NOUN
hassl-3661	128	3	showed	show	VERB
hassl-3661	128	4	that	that	SCONJ
hassl-3661	128	5	financial	financial	ADJ
hassl-3661	128	6	technology	technology	NOUN
hassl-3661	128	7	has	have	VERB
hassl-3661	128	8	the	the	DET
hassl-3661	128	9	potential	potential	NOUN
hassl-3661	128	10	to	to	PART
hassl-3661	128	11	increase	increase	VERB
hassl-3661	128	12	profitability	profitability	NOUN
hassl-3661	128	13	for	for	ADP
hassl-3661	128	14	small	small	ADJ
hassl-3661	128	15	and	and	CCONJ
hassl-3661	128	16	medium	medium	ADJ
hassl-3661	128	17	-	-	PUNCT
hassl-3661	128	18	sized	sized	ADJ
hassl-3661	128	19	commercial	commercial	ADJ
hassl-3661	128	20	banks	bank	NOUN
hassl-3661	128	21	despite	despite	SCONJ
hassl-3661	128	22	the	the	DET
hassl-3661	128	23	variations	variation	NOUN
hassl-3661	128	24	between	between	ADP
hassl-3661	128	25	urban	urban	ADJ
hassl-3661	128	26	and	and	CCONJ
hassl-3661	128	27	rural	rural	ADJ
hassl-3661	128	28	banking	banking	NOUN
hassl-3661	128	29	institutions	institution	NOUN
hassl-3661	128	30	.	.	PUNCT
hassl-3661	129	1	examining	examine	VERB
hassl-3661	129	2	the	the	DET
hassl-3661	129	3	relationship	relationship	NOUN
hassl-3661	129	4	between	between	ADP
hassl-3661	129	5	financial	financial	ADJ
hassl-3661	129	6	inclusion	inclusion	NOUN
hassl-3661	129	7	and	and	CCONJ
hassl-3661	129	8	bank	bank	NOUN
hassl-3661	129	9	profitability	profitability	NOUN
hassl-3661	129	10	in	in	ADP
hassl-3661	129	11	egypt	egypt	PROPN
hassl-3661	129	12	was	be	AUX
hassl-3661	129	13	the	the	DET
hassl-3661	129	14	aim	aim	NOUN
hassl-3661	129	15	of	of	ADP
hassl-3661	129	16	elkmash	elkmash	NOUN
hassl-3661	129	17	(	(	PUNCT
hassl-3661	129	18	2023	2023	NUM
hassl-3661	129	19	)	)	PUNCT
hassl-3661	129	20	.	.	PUNCT
hassl-3661	130	1	bank	bank	NOUN
hassl-3661	130	2	profitability	profitability	NOUN
hassl-3661	130	3	was	be	AUX
hassl-3661	130	4	determined	determine	VERB
hassl-3661	130	5	by	by	ADP
hassl-3661	130	6	dividing	divide	VERB
hassl-3661	130	7	total	total	ADJ
hassl-3661	130	8	loans	loan	NOUN
hassl-3661	130	9	,	,	PUNCT
hassl-3661	130	10	atms	atms	NOUN
hassl-3661	130	11	and	and	CCONJ
hassl-3661	130	12	commercial	commercial	ADJ
hassl-3661	130	13	banks	bank	NOUN
hassl-3661	130	14	by	by	ADP
hassl-3661	130	15	the	the	DET
hassl-3661	130	16	number	number	NOUN
hassl-3661	130	17	of	of	ADP
hassl-3661	130	18	people	people	NOUN
hassl-3661	130	19	in	in	ADP
hassl-3661	130	20	a	a	DET
hassl-3661	130	21	1,000	1,000	NUM
hassl-3661	130	22	.	.	PUNCT
hassl-3661	131	1	the	the	DET
hassl-3661	131	2	study	study	NOUN
hassl-3661	131	3	used	use	VERB
hassl-3661	131	4	a	a	DET
hassl-3661	131	5	quantitative	quantitative	ADJ
hassl-3661	131	6	approach	approach	NOUN
hassl-3661	131	7	and	and	CCONJ
hassl-3661	131	8	took	take	VERB
hassl-3661	131	9	into	into	ADP
hassl-3661	131	10	account	account	NOUN
hassl-3661	131	11	several	several	ADJ
hassl-3661	131	12	factors	factor	NOUN
hassl-3661	131	13	th	th	X
hassl-3661	131	14	at	at	ADP
hassl-3661	131	15	influence	influence	NOUN
hassl-3661	131	16	economic	economic	ADJ
hassl-3661	131	17	growth	growth	NOUN
hassl-3661	131	18	and	and	CCONJ
hassl-3661	131	19	bank	bank	NOUN
hassl-3661	131	20	profitability	profitability	NOUN
hassl-3661	131	21	.	.	PUNCT
hassl-3661	132	1	the	the	DET
hassl-3661	132	2	central	central	ADJ
hassl-3661	132	3	bank	bank	PROPN
hassl-3661	132	4	of	of	ADP
hassl-3661	132	5	egypt	egypt	PROPN
hassl-3661	132	6	(	(	PUNCT
hassl-3661	132	7	cbe	cbe	PROPN
hassl-3661	132	8	)	)	PUNCT
hassl-3661	132	9	,	,	PUNCT
hassl-3661	132	10	the	the	DET
hassl-3661	132	11	world	world	NOUN
hassl-3661	132	12	development	development	NOUN
hassl-3661	132	13	indicators	indicator	NOUN
hassl-3661	132	14	(	(	PUNCT
hassl-3661	132	15	wdi	wdi	PROPN
hassl-3661	132	16	)	)	PUNCT
hassl-3661	132	17	and	and	CCONJ
hassl-3661	132	18	the	the	DET
hassl-3661	132	19	yearly	yearly	ADJ
hassl-3661	132	20	reports	report	NOUN
hassl-3661	132	21	of	of	ADP
hassl-3661	132	22	the	the	DET
hassl-3661	132	23	international	international	ADJ
hassl-3661	132	24	monetary	monetary	ADJ
hassl-3661	132	25	fund	fund	NOUN
hassl-3661	132	26	(	(	PUNCT
hassl-3661	132	27	imf	imf	PROPN
hassl-3661	132	28	)	)	PUNCT
hassl-3661	132	29	were	be	AUX
hassl-3661	132	30	among	among	ADP
hassl-3661	132	31	the	the	DET
hassl-3661	132	32	sources	source	NOUN
hassl-3661	132	33	from	from	ADP
hassl-3661	132	34	which	which	PRON
hassl-3661	132	35	the	the	DET
hassl-3661	132	36	study	study	NOUN
hassl-3661	132	37	's	's	PART
hassl-3661	132	38	data	datum	NOUN
hassl-3661	132	39	was	be	AUX
hassl-3661	132	40	meticulously	meticulously	ADV
hassl-3661	132	41	collected	collect	VERB
hassl-3661	132	42	.	.	PUNCT
hassl-3661	133	1	the	the	DET
hassl-3661	133	2	egyptian	egyptian	ADJ
hassl-3661	133	3	banking	banking	NOUN
hassl-3661	133	4	industry	industry	NOUN
hassl-3661	133	5	served	serve	VERB
hassl-3661	133	6	as	as	ADP
hassl-3661	133	7	the	the	DET
hassl-3661	133	8	study	study	NOUN
hassl-3661	133	9	's	's	PART
hassl-3661	133	10	sample	sample	NOUN
hassl-3661	133	11	and	and	CCONJ
hassl-3661	133	12	it	it	PRON
hassl-3661	133	13	was	be	AUX
hassl-3661	133	14	conducted	conduct	VERB
hassl-3661	133	15	between	between	ADP
hassl-3661	133	16	2014	2014	NUM
hassl-3661	133	17	and	and	CCONJ
hassl-3661	133	18	2019	2019	NUM
hassl-3661	133	19	.	.	PUNCT
hassl-3661	134	1	the	the	DET
hassl-3661	134	2	results	result	NOUN
hassl-3661	134	3	demonstrated	demonstrate	VERB
hassl-3661	134	4	that	that	SCONJ
hassl-3661	134	5	the	the	DET
hassl-3661	134	6	number	number	NOUN
hassl-3661	134	7	of	of	ADP
hassl-3661	134	8	loan	loan	NOUN
hassl-3661	134	9	accounts	account	NOUN
hassl-3661	134	10	and	and	CCONJ
hassl-3661	134	11	atms	atms	NOUN
hassl-3661	134	12	had	have	VERB
hassl-3661	134	13	a	a	DET
hassl-3661	134	14	positive	positive	ADJ
hassl-3661	134	15	impact	impact	NOUN
hassl-3661	134	16	on	on	ADP
hassl-3661	134	17	bank	bank	NOUN
hassl-3661	134	18	profitability	profitability	NOUN
hassl-3661	134	19	in	in	ADP
hassl-3661	134	20	egypt	egypt	PROPN
hassl-3661	134	21	with	with	ADP
hassl-3661	134	22	return	return	NOUN
hassl-3661	134	23	on	on	ADP
hassl-3661	134	24	equity	equity	NOUN
hassl-3661	134	25	(	(	PUNCT
hassl-3661	134	26	roe	roe	PROPN
hassl-3661	134	27	)	)	PUNCT
hassl-3661	134	28	and	and	CCONJ
hassl-3661	134	29	return	return	VERB
hassl-3661	134	30	on	on	ADP
hassl-3661	134	31	assets	asset	NOUN
hassl-3661	134	32	(	(	PUNCT
hassl-3661	134	33	roa	roa	NOUN
hassl-3661	134	34	)	)	PUNCT
hassl-3661	134	35	profitability	profitability	NOUN
hassl-3661	134	36	indicators	indicator	NOUN
hassl-3661	134	37	being	be	AUX
hassl-3661	134	38	statistically	statistically	ADV
hassl-3661	134	39	significant	significant	ADJ
hassl-3661	134	40	.	.	PUNCT
hassl-3661	135	1	on	on	ADP
hassl-3661	135	2	the	the	DET
hassl-3661	135	3	other	other	ADJ
hassl-3661	135	4	hand	hand	NOUN
hassl-3661	135	5	,	,	PUNCT
hassl-3661	135	6	the	the	DET
hassl-3661	135	7	number	number	NOUN
hassl-3661	135	8	of	of	ADP
hassl-3661	135	9	branches	branch	NOUN
hassl-3661	135	10	had	have	VERB
hassl-3661	135	11	a	a	DET
hassl-3661	135	12	detrimental	detrimental	ADJ
hassl-3661	135	13	effect	effect	NOUN
hassl-3661	135	14	on	on	ADP
hassl-3661	135	15	bank	bank	NOUN
hassl-3661	135	16	profitability	profitability	NOUN
hassl-3661	135	17	.	.	PUNCT
hassl-3661	136	1	according	accord	VERB
hassl-3661	136	2	to	to	ADP
hassl-3661	136	3	le	le	X
hassl-3661	136	4	and	and	CCONJ
hassl-3661	136	5	ngo	ngo	PROPN
hassl-3661	136	6	's	's	PART
hassl-3661	136	7	(	(	PUNCT
hassl-3661	136	8	2020	2020	NUM
hassl-3661	136	9	)	)	PUNCT
hassl-3661	136	10	research	research	NOUN
hassl-3661	136	11	,	,	PUNCT
hassl-3661	136	12	the	the	DET
hassl-3661	136	13	system	system	NOUN
hassl-3661	136	14	generalized	generalize	VERB
hassl-3661	136	15	technique	technique	NOUN
hassl-3661	136	16	of	of	ADP
hassl-3661	136	17	moments	moment	NOUN
hassl-3661	136	18	was	be	AUX
hassl-3661	136	19	used	use	VERB
hassl-3661	136	20	to	to	PART
hassl-3661	136	21	assess	assess	VERB
hassl-3661	136	22	the	the	DET
hassl-3661	136	23	variables	variable	NOUN
hassl-3661	136	24	affecting	affect	VERB
hassl-3661	136	25	bank	bank	NOUN
hassl-3661	136	26	profitability	profitability	NOUN
hassl-3661	136	27	across	across	ADP
hassl-3661	136	28	23	23	NUM
hassl-3661	136	29	countries	country	NOUN
hassl-3661	136	30	from	from	ADP
hassl-3661	136	31	2002	2002	NUM
hassl-3661	136	32	to	to	ADP
hassl-3661	136	33	2016	2016	NUM
hassl-3661	136	34	.	.	PUNCT
hassl-3661	137	1	the	the	DET
hassl-3661	137	2	importance	importance	NOUN
hassl-3661	137	3	of	of	ADP
hassl-3661	137	4	growing	grow	VERB
hassl-3661	137	5	these	these	DET
hassl-3661	137	6	distribution	distribution	NOUN
hassl-3661	137	7	channels	channel	NOUN
hassl-3661	137	8	was	be	AUX
hassl-3661	137	9	highlighted	highlight	VERB
hassl-3661	137	10	by	by	ADP
hassl-3661	137	11	the	the	DET
hassl-3661	137	12	study	study	NOUN
hassl-3661	137	13	's	's	PART
hassl-3661	137	14	finding	finding	NOUN
hassl-3661	137	15	that	that	SCONJ
hassl-3661	137	16	increasing	increase	VERB
hassl-3661	137	17	the	the	DET
hassl-3661	137	18	number	number	NOUN
hassl-3661	137	19	of	of	ADP
hassl-3661	137	20	issued	issue	VERB
hassl-3661	137	21	bank	bank	NOUN
hassl-3661	137	22	cards	card	NOUN
hassl-3661	137	23	,	,	PUNCT
hassl-3661	137	24	atms	atms	NOUN
hassl-3661	137	25	and	and	CCONJ
hassl-3661	137	26	point	point	NOUN
hassl-3661	137	27	-	-	PUNCT
hassl-3661	137	28	of	of	ADP
hassl-3661	137	29	-	-	PUNCT
hassl-3661	137	30	sale	sale	NOUN
hassl-3661	137	31	(	(	PUNCT
hassl-3661	137	32	pos	pos	NOUN
hassl-3661	137	33	)	)	PUNCT
hassl-3661	137	34	devices	device	NOUN
hassl-3661	137	35	may	may	AUX
hassl-3661	137	36	positively	positively	ADV
hassl-3661	137	37	affect	affect	VERB
hassl-3661	137	38	a	a	DET
hassl-3661	137	39	bank	bank	NOUN
hassl-3661	137	40	's	's	PART
hassl-3661	137	41	profitability	profitability	NOUN
hassl-3661	137	42	.	.	PUNCT
hassl-3661	138	1	additionally	additionally	ADV
hassl-3661	138	2	,	,	PUNCT
hassl-3661	138	3	the	the	DET
hassl-3661	138	4	results	result	NOUN
hassl-3661	138	5	suggested	suggest	VERB
hassl-3661	138	6	that	that	SCONJ
hassl-3661	138	7	market	market	NOUN
hassl-3661	138	8	power	power	NOUN
hassl-3661	138	9	had	have	VERB
hassl-3661	138	10	a	a	DET
hassl-3661	138	11	detrimental	detrimental	ADJ
hassl-3661	138	12	impact	impact	NOUN
hassl-3661	138	13	on	on	ADP
hassl-3661	138	14	bank	bank	NOUN
hassl-3661	138	15	profitability	profitability	NOUN
hassl-3661	138	16	and	and	CCONJ
hassl-3661	138	17	that	that	SCONJ
hassl-3661	138	18	competition	competition	NOUN
hassl-3661	138	19	increased	increase	VERB
hassl-3661	138	20	bank	bank	NOUN
hassl-3661	138	21	profitability	profitability	NOUN
hassl-3661	138	22	.	.	PUNCT
hassl-3661	139	1	it	it	PRON
hassl-3661	139	2	was	be	AUX
hassl-3661	139	3	discovered	discover	VERB
hassl-3661	139	4	that	that	SCONJ
hassl-3661	139	5	the	the	DET
hassl-3661	139	6	growth	growth	NOUN
hassl-3661	139	7	of	of	ADP
hassl-3661	139	8	the	the	DET
hassl-3661	139	9	capital	capital	NOUN
hassl-3661	139	10	market	market	NOUN
hassl-3661	139	11	and	and	CCONJ
hassl-3661	139	12	bank	bank	NOUN
hassl-3661	139	13	profitability	profitability	NOUN
hassl-3661	139	14	work	work	NOUN
hassl-3661	139	15	well	well	ADV
hassl-3661	139	16	together	together	ADV
hassl-3661	139	17	as	as	SCONJ
hassl-3661	139	18	shown	show	VERB
hassl-3661	139	19	by	by	ADP
hassl-3661	139	20	their	their	PRON
hassl-3661	139	21	correlating	correlate	VERB
hassl-3661	139	22	positive	positive	ADJ
hassl-3661	139	23	relationship	relationship	NOUN
hassl-3661	139	24	.	.	PUNCT
hassl-3661	140	1	3	3	X
hassl-3661	140	2	.	.	X
hassl-3661	140	3	methodology	methodology	NOUN
hassl-3661	140	4	the	the	DET
hassl-3661	140	5	aim	aim	NOUN
hassl-3661	140	6	of	of	ADP
hassl-3661	140	7	this	this	DET
hassl-3661	140	8	study	study	NOUN
hassl-3661	140	9	is	be	AUX
hassl-3661	140	10	to	to	PART
hassl-3661	140	11	identify	identify	VERB
hassl-3661	140	12	the	the	DET
hassl-3661	140	13	influence	influence	NOUN
hassl-3661	140	14	of	of	ADP
hassl-3661	140	15	financial	financial	ADJ
hassl-3661	140	16	technology	technology	NOUN
hassl-3661	140	17	on	on	ADP
hassl-3661	140	18	profitability	profitability	NOUN
hassl-3661	140	19	in	in	ADP
hassl-3661	140	20	jordanian	jordanian	ADJ
hassl-3661	140	21	commercial	commercial	ADJ
hassl-3661	140	22	banks	bank	NOUN
hassl-3661	140	23	.	.	PUNCT
hassl-3661	141	1	this	this	DET
hassl-3661	141	2	study	study	NOUN
hassl-3661	141	3	is	be	AUX
hassl-3661	141	4	unique	unique	ADJ
hassl-3661	141	5	from	from	ADP
hassl-3661	141	6	other	other	ADJ
hassl-3661	141	7	previous	previous	ADJ
hassl-3661	141	8	studies	study	NOUN
hassl-3661	141	9	in	in	SCONJ
hassl-3661	141	10	that	that	SCONJ
hassl-3661	141	11	it	it	PRON
hassl-3661	141	12	deals	deal	VERB
hassl-3661	141	13	with	with	ADP
hassl-3661	141	14	financial	financial	ADJ
hassl-3661	141	15	technology	technology	NOUN
hassl-3661	141	16	(	(	PUNCT
hassl-3661	141	17	financing	financing	NOUN
hassl-3661	141	18	,	,	PUNCT
hassl-3661	141	19	money	money	NOUN
hassl-3661	141	20	transfers	transfer	NOUN
hassl-3661	141	21	and	and	CCONJ
hassl-3661	141	22	lending	lending	NOUN
hassl-3661	141	23	)	)	PUNCT
hassl-3661	141	24	and	and	CCONJ
hassl-3661	141	25	its	its	PRON
hassl-3661	141	26	impact	impact	NOUN
hassl-3661	141	27	on	on	ADP
hassl-3661	141	28	profitability	profitability	NOUN
hassl-3661	141	29	in	in	ADP
hassl-3661	141	30	jordanian	jordanian	ADJ
hassl-3661	141	31	commercial	commercial	ADJ
hassl-3661	141	32	banks	bank	NOUN
hassl-3661	141	33	.	.	PUNCT
hassl-3661	142	1	the	the	DET
hassl-3661	142	2	convenience	convenience	NOUN
hassl-3661	142	3	sample	sample	NOUN
hassl-3661	142	4	was	be	AUX
hassl-3661	142	5	surveyed	survey	VERB
hassl-3661	142	6	using	use	VERB
hassl-3661	142	7	a	a	DET
hassl-3661	142	8	descriptive	descriptive	ADJ
hassl-3661	142	9	cross	cross	ADJ
hassl-3661	142	10	-	-	ADJ
hassl-3661	142	11	sectional	sectional	ADJ
hassl-3661	142	12	approach	approach	NOUN
hassl-3661	142	13	and	and	CCONJ
hassl-3661	142	14	the	the	DET
hassl-3661	142	15	perception	perception	NOUN
hassl-3661	142	16	of	of	ADP
hassl-3661	142	17	the	the	DET
hassl-3661	142	18	impact	impact	NOUN
hassl-3661	142	19	of	of	ADP
hassl-3661	142	20	financial	financial	ADJ
hassl-3661	142	21	technology	technology	NOUN
hassl-3661	142	22	on	on	ADP
hassl-3661	142	23	jordanian	jordanian	ADJ
hassl-3661	142	24	banks	bank	NOUN
hassl-3661	142	25	'	'	PART
hassl-3661	142	26	profitability	profitability	NOUN
hassl-3661	142	27	was	be	AUX
hassl-3661	142	28	investigated	investigate	VERB
hassl-3661	142	29	.	.	PUNCT
hassl-3661	143	1	the	the	DET
hassl-3661	143	2	study	study	NOUN
hassl-3661	143	3	community	community	NOUN
hassl-3661	143	4	and	and	CCONJ
hassl-3661	143	5	sampling	sample	VERB
hassl-3661	143	6	unit	unit	NOUN
hassl-3661	143	7	have	have	AUX
hassl-3661	143	8	provided	provide	VERB
hassl-3661	143	9	explanations	explanation	NOUN
hassl-3661	143	10	regarding	regard	VERB
hassl-3661	143	11	the	the	DET
hassl-3661	143	12	questionnaire	questionnaire	NOUN
hassl-3661	143	13	that	that	PRON
hassl-3661	143	14	the	the	DET
hassl-3661	143	15	researchers	researcher	NOUN
hassl-3661	143	16	created	create	VERB
hassl-3661	143	17	and	and	CCONJ
hassl-3661	143	18	distributed	distribute	VERB
hassl-3661	143	19	to	to	ADP
hassl-3661	143	20	the	the	DET
hassl-3661	143	21	bank	bank	NOUN
hassl-3661	143	22	employees	employee	NOUN
hassl-3661	143	23	.	.	PUNCT
hassl-3661	144	1	the	the	DET
hassl-3661	144	2	questionnaire	questionnaire	NOUN
hassl-3661	144	3	was	be	AUX
hassl-3661	144	4	based	base	VERB
hassl-3661	144	5	on	on	ADP
hassl-3661	144	6	a	a	DET
hassl-3661	144	7	five	five	NUM
hassl-3661	144	8	-	-	PUNCT
hassl-3661	144	9	point	point	NOUN
hassl-3661	144	10	likert	likert	ADJ
hassl-3661	144	11	scale	scale	NOUN
hassl-3661	144	12	with	with	ADP
hassl-3661	144	13	1	1	NUM
hassl-3661	144	14	being	be	AUX
hassl-3661	144	15	the	the	DET
hassl-3661	144	16	strongest	strong	ADJ
hassl-3661	144	17	agreement	agreement	NOUN
hassl-3661	144	18	and	and	CCONJ
hassl-3661	144	19	5	5	NUM
hassl-3661	144	20	being	be	AUX
hassl-3661	144	21	the	the	DET
hassl-3661	144	22	strongest	strong	ADJ
hassl-3661	144	23	disagreement	disagreement	NOUN
hassl-3661	144	24	.	.	PUNCT
hassl-3661	145	1	the	the	DET
hassl-3661	145	2	sample	sample	NOUN
hassl-3661	145	3	size	size	NOUN
hassl-3661	145	4	was	be	AUX
hassl-3661	145	5	determined	determine	VERB
hassl-3661	145	6	based	base	VERB
hassl-3661	145	7	on	on	ADP
hassl-3661	145	8	krejcie	krejcie	NOUN
hassl-3661	145	9	and	and	CCONJ
hassl-3661	145	10	morgan	morgan	PROPN
hassl-3661	145	11	's	's	PART
hassl-3661	145	12	(	(	PUNCT
hassl-3661	145	13	1970	1970	NUM
hassl-3661	145	14	)	)	PUNCT
hassl-3661	145	15	table	table	NOUN
hassl-3661	145	16	which	which	PRON
hassl-3661	145	17	provides	provide	VERB
hassl-3661	145	18	guidelines	guideline	NOUN
hassl-3661	145	19	for	for	ADP
hassl-3661	145	20	determining	determine	VERB
hassl-3661	145	21	the	the	DET
hassl-3661	145	22	minimum	minimum	ADJ
hassl-3661	145	23	sample	sample	NOUN
hassl-3661	145	24	size	size	NOUN
hassl-3661	145	25	required	require	VERB
hassl-3661	145	26	for	for	ADP
hassl-3661	145	27	categorical	categorical	ADJ
hassl-3661	145	28	variables	variable	NOUN
hassl-3661	145	29	.	.	PUNCT
hassl-3661	146	1	the	the	DET
hassl-3661	146	2	table	table	NOUN
hassl-3661	146	3	was	be	AUX
hassl-3661	146	4	designed	design	VERB
hassl-3661	146	5	using	use	VERB
hassl-3661	146	6	a	a	DET
hassl-3661	146	7	mathematical	mathematical	ADJ
hassl-3661	146	8	formula	formula	NOUN
hassl-3661	146	9	developed	develop	VERB
hassl-3661	146	10	by	by	ADP
hassl-3661	146	11	krejcie	krejcie	NOUN
hassl-3661	146	12	and	and	CCONJ
hassl-3661	146	13	morgan	morgan	PROPN
hassl-3661	146	14	(	(	PUNCT
hassl-3661	146	15	1970	1970	NUM
hassl-3661	146	16	)	)	PUNCT
hassl-3661	146	17	.	.	PUNCT
hassl-3661	147	1	where	where	SCONJ
hassl-3661	147	2	humanities	humanity	NOUN
hassl-3661	147	3	and	and	CCONJ
hassl-3661	147	4	social	social	ADJ
hassl-3661	147	5	sciences	science	NOUN
hassl-3661	147	6	letters	letter	NOUN
hassl-3661	147	7	,	,	PUNCT
hassl-3661	147	8	2024	2024	NUM
hassl-3661	147	9	,	,	PUNCT
hassl-3661	147	10	12(2	12(2	NUM
hassl-3661	147	11	):	):	PUNCT
hassl-3661	147	12	176	176	NUM
hassl-3661	147	13	-	-	SYM
hassl-3661	147	14	188	188	NUM
hassl-3661	147	15	181	181	NUM
hassl-3661	147	16	©	©	PROPN
hassl-3661	147	17	2024	2024	NUM
hassl-3661	147	18	conscientia	conscientia	PROPN
hassl-3661	147	19	beam	beam	PROPN
hassl-3661	147	20	.	.	PUNCT
hassl-3661	148	1	all	all	DET
hassl-3661	148	2	rights	right	NOUN
hassl-3661	148	3	reserved	reserve	VERB
hassl-3661	148	4	.	.	PUNCT
hassl-3661	149	1	z	z	NOUN
hassl-3661	149	2	is	be	AUX
hassl-3661	149	3	the	the	DET
hassl-3661	149	4	z	z	NOUN
hassl-3661	149	5	score	score	NOUN
hassl-3661	149	6	.	.	PUNCT
hassl-3661	150	1	ε	ε	PROPN
hassl-3661	150	2	is	be	AUX
hassl-3661	150	3	the	the	DET
hassl-3661	150	4	margin	margin	NOUN
hassl-3661	150	5	of	of	ADP
hassl-3661	150	6	error	error	NOUN
hassl-3661	150	7	.	.	PUNCT
hassl-3661	151	1	n	n	PRON
hassl-3661	151	2	is	be	AUX
hassl-3661	151	3	the	the	DET
hassl-3661	151	4	population	population	NOUN
hassl-3661	151	5	size	size	NOUN
hassl-3661	151	6	.	.	PUNCT
hassl-3661	152	1	p	p	X
hassl-3661	153	1	̂	̂	VERB
hassl-3661	153	2	is	be	AUX
hassl-3661	153	3	the	the	DET
hassl-3661	153	4	population	population	NOUN
hassl-3661	153	5	proportion	proportion	NOUN
hassl-3661	153	6	.	.	PUNCT
hassl-3661	154	1	furthermore	furthermore	ADV
hassl-3661	154	2	,	,	PUNCT
hassl-3661	154	3	this	this	DET
hassl-3661	154	4	research	research	NOUN
hassl-3661	154	5	takes	take	VERB
hassl-3661	154	6	place	place	NOUN
hassl-3661	154	7	within	within	ADP
hassl-3661	154	8	jordanian	jordanian	ADJ
hassl-3661	154	9	commercial	commercial	ADJ
hassl-3661	154	10	banks	bank	NOUN
hassl-3661	154	11	where	where	SCONJ
hassl-3661	154	12	a	a	DET
hassl-3661	154	13	survey	survey	NOUN
hassl-3661	154	14	was	be	AUX
hassl-3661	154	15	conducted	conduct	VERB
hassl-3661	154	16	to	to	PART
hassl-3661	154	17	gather	gather	VERB
hassl-3661	154	18	data	datum	NOUN
hassl-3661	154	19	.	.	PUNCT
hassl-3661	155	1	the	the	DET
hassl-3661	155	2	collected	collect	VERB
hassl-3661	155	3	data	datum	NOUN
hassl-3661	155	4	was	be	AUX
hassl-3661	155	5	analyzed	analyze	VERB
hassl-3661	155	6	using	use	VERB
hassl-3661	155	7	statistical	statistical	ADJ
hassl-3661	155	8	package	package	NOUN
hassl-3661	155	9	for	for	ADP
hassl-3661	155	10	social	social	ADJ
hassl-3661	155	11	sciences	science	NOUN
hassl-3661	155	12	(	(	PUNCT
hassl-3661	155	13	spss	spss	PROPN
hassl-3661	155	14	)	)	PUNCT
hassl-3661	155	15	version	version	NOUN
hassl-3661	155	16	24	24	NUM
hassl-3661	155	17	.	.	PUNCT
hassl-3661	156	1	various	various	ADJ
hassl-3661	156	2	statistical	statistical	ADJ
hassl-3661	156	3	methods	method	NOUN
hassl-3661	156	4	and	and	CCONJ
hassl-3661	156	5	tests	test	NOUN
hassl-3661	156	6	were	be	AUX
hassl-3661	156	7	employed	employ	VERB
hassl-3661	156	8	to	to	PART
hassl-3661	156	9	describe	describe	VERB
hassl-3661	156	10	the	the	DET
hassl-3661	156	11	variables	variable	NOUN
hassl-3661	156	12	and	and	CCONJ
hassl-3661	156	13	test	test	VERB
hassl-3661	156	14	the	the	DET
hassl-3661	156	15	study	study	NOUN
hassl-3661	156	16	hypotheses	hypothesis	NOUN
hassl-3661	156	17	to	to	PART
hassl-3661	156	18	ensure	ensure	VERB
hassl-3661	156	19	a	a	DET
hassl-3661	156	20	clear	clear	ADJ
hassl-3661	156	21	interpretation	interpretation	NOUN
hassl-3661	156	22	of	of	ADP
hassl-3661	156	23	the	the	DET
hassl-3661	156	24	results	result	NOUN
hassl-3661	156	25	and	and	CCONJ
hassl-3661	156	26	explain	explain	VERB
hassl-3661	156	27	the	the	DET
hassl-3661	156	28	findings	finding	NOUN
hassl-3661	156	29	.	.	PUNCT
hassl-3661	157	1	these	these	PRON
hassl-3661	157	2	include	include	VERB
hassl-3661	157	3	assessing	assess	VERB
hassl-3661	157	4	the	the	DET
hassl-3661	157	5	reliability	reliability	NOUN
hassl-3661	157	6	of	of	ADP
hassl-3661	157	7	the	the	DET
hassl-3661	157	8	study	study	NOUN
hassl-3661	157	9	instrument	instrument	NOUN
hassl-3661	157	10	using	use	VERB
hassl-3661	157	11	cronbach	cronbach	NOUN
hassl-3661	157	12	's	's	PART
hassl-3661	157	13	alpha	alpha	NOUN
hassl-3661	157	14	to	to	PART
hassl-3661	157	15	ensure	ensure	VERB
hassl-3661	157	16	its	its	PRON
hassl-3661	157	17	consistency	consistency	NOUN
hassl-3661	157	18	,	,	PUNCT
hassl-3661	157	19	conducting	conduct	VERB
hassl-3661	157	20	descriptive	descriptive	ADJ
hassl-3661	157	21	analysis	analysis	NOUN
hassl-3661	157	22	(	(	PUNCT
hassl-3661	157	23	such	such	ADJ
hassl-3661	157	24	as	as	ADP
hassl-3661	157	25	frequency	frequency	NOUN
hassl-3661	157	26	and	and	CCONJ
hassl-3661	157	27	percentages	percentage	NOUN
hassl-3661	157	28	)	)	PUNCT
hassl-3661	157	29	on	on	ADP
hassl-3661	157	30	the	the	DET
hassl-3661	157	31	study	study	NOUN
hassl-3661	157	32	sample	sample	NOUN
hassl-3661	157	33	and	and	CCONJ
hassl-3661	157	34	performing	perform	VERB
hassl-3661	157	35	simple	simple	ADJ
hassl-3661	157	36	linear	linear	ADJ
hassl-3661	157	37	regression	regression	NOUN
hassl-3661	157	38	analysis	analysis	NOUN
hassl-3661	157	39	to	to	PART
hassl-3661	157	40	examine	examine	VERB
hassl-3661	157	41	the	the	DET
hassl-3661	157	42	relationship	relationship	NOUN
hassl-3661	157	43	between	between	ADP
hassl-3661	157	44	a	a	DET
hassl-3661	157	45	continuous	continuous	ADJ
hassl-3661	157	46	dependent	dependent	ADJ
hassl-3661	157	47	variable	variable	NOUN
hassl-3661	157	48	and	and	CCONJ
hassl-3661	157	49	a	a	DET
hassl-3661	157	50	single	single	ADJ
hassl-3661	157	51	independent	independent	ADJ
hassl-3661	157	52	variable	variable	NOUN
hassl-3661	157	53	.	.	PUNCT
hassl-3661	158	1	the	the	DET
hassl-3661	158	2	sample	sample	NOUN
hassl-3661	158	3	size	size	NOUN
hassl-3661	158	4	was	be	AUX
hassl-3661	158	5	determined	determine	VERB
hassl-3661	158	6	with	with	ADP
hassl-3661	158	7	a	a	DET
hassl-3661	158	8	standard	standard	ADJ
hassl-3661	158	9	error	error	NOUN
hassl-3661	158	10	equal	equal	ADJ
hassl-3661	158	11	to	to	ADP
hassl-3661	158	12	.05	.05	NUM
hassl-3661	158	13	depending	depend	VERB
hassl-3661	158	14	on	on	ADP
hassl-3661	158	15	this	this	DET
hassl-3661	158	16	formula	formula	NOUN
hassl-3661	158	17	the	the	DET
hassl-3661	158	18	sample	sample	NOUN
hassl-3661	158	19	size	size	NOUN
hassl-3661	158	20	will	will	AUX
hassl-3661	158	21	be	be	AUX
hassl-3661	158	22	equal	equal	ADJ
hassl-3661	158	23	to	to	ADP
hassl-3661	158	24	381	381	NUM
hassl-3661	158	25	employees	employee	NOUN
hassl-3661	158	26	according	accord	VERB
hassl-3661	158	27	to	to	ADP
hassl-3661	158	28	the	the	DET
hassl-3661	158	29	total	total	ADJ
hassl-3661	158	30	number	number	NOUN
hassl-3661	158	31	of	of	ADP
hassl-3661	158	32	employees	employee	NOUN
hassl-3661	158	33	in	in	ADP
hassl-3661	158	34	the	the	DET
hassl-3661	158	35	selected	select	VERB
hassl-3661	158	36	setting	setting	NOUN
hassl-3661	158	37	and	and	CCONJ
hassl-3661	158	38	the	the	DET
hassl-3661	158	39	return	return	NOUN
hassl-3661	158	40	value	value	NOUN
hassl-3661	158	41	will	will	AUX
hassl-3661	158	42	be	be	AUX
hassl-3661	158	43	equal	equal	ADJ
hassl-3661	158	44	783	783	NUM
hassl-3661	158	45	participants	participant	NOUN
hassl-3661	158	46	.	.	PUNCT
hassl-3661	159	1	the	the	DET
hassl-3661	159	2	researcher	researcher	NOUN
hassl-3661	159	3	's	's	PART
hassl-3661	159	4	target	target	NOUN
hassl-3661	159	5	sample	sample	NOUN
hassl-3661	159	6	size	size	NOUN
hassl-3661	159	7	was	be	AUX
hassl-3661	159	8	not	not	PART
hassl-3661	159	9	less	less	ADJ
hassl-3661	159	10	than	than	ADP
hassl-3661	159	11	381	381	NUM
hassl-3661	159	12	participants	participant	NOUN
hassl-3661	159	13	.	.	PUNCT
hassl-3661	160	1	therefore	therefore	ADV
hassl-3661	160	2	,	,	PUNCT
hassl-3661	160	3	the	the	DET
hassl-3661	160	4	tool	tool	NOUN
hassl-3661	160	5	was	be	AUX
hassl-3661	160	6	sent	send	VERB
hassl-3661	160	7	to	to	ADP
hassl-3661	160	8	employees	employee	NOUN
hassl-3661	160	9	and	and	CCONJ
hassl-3661	160	10	students	student	NOUN
hassl-3661	160	11	through	through	ADP
hassl-3661	160	12	social	social	ADJ
hassl-3661	160	13	media	medium	NOUN
hassl-3661	160	14	sites	site	NOUN
hassl-3661	160	15	like	like	ADP
hassl-3661	160	16	facebook	facebook	NOUN
hassl-3661	160	17	,	,	PUNCT
hassl-3661	160	18	twitter	twitter	NOUN
hassl-3661	160	19	and	and	CCONJ
hassl-3661	160	20	email	email	NOUN
hassl-3661	160	21	in	in	ADP
hassl-3661	160	22	all	all	DET
hassl-3661	160	23	jordanian	jordanian	ADJ
hassl-3661	160	24	banks	bank	NOUN
hassl-3661	160	25	.	.	PUNCT
hassl-3661	161	1	the	the	DET
hassl-3661	161	2	following	follow	VERB
hassl-3661	161	3	research	research	NOUN
hassl-3661	161	4	framework	framework	NOUN
hassl-3661	161	5	and	and	CCONJ
hassl-3661	161	6	hypotheses	hypothesis	NOUN
hassl-3661	161	7	have	have	AUX
hassl-3661	161	8	been	be	AUX
hassl-3661	161	9	formulated	formulate	VERB
hassl-3661	161	10	to	to	PART
hassl-3661	161	11	achieve	achieve	VERB
hassl-3661	161	12	the	the	DET
hassl-3661	161	13	aim	aim	NOUN
hassl-3661	161	14	of	of	ADP
hassl-3661	161	15	this	this	DET
hassl-3661	161	16	study	study	NOUN
hassl-3661	161	17	:	:	PUNCT
hassl-3661	161	18	the	the	DET
hassl-3661	161	19	selected	select	VERB
hassl-3661	161	20	design	design	NOUN
hassl-3661	161	21	is	be	AUX
hassl-3661	161	22	appropriate	appropriate	ADJ
hassl-3661	161	23	to	to	PART
hassl-3661	161	24	measure	measure	VERB
hassl-3661	161	25	this	this	DET
hassl-3661	161	26	perception	perception	NOUN
hassl-3661	161	27	of	of	ADP
hassl-3661	161	28	employees	employee	NOUN
hassl-3661	161	29	according	accord	VERB
hassl-3661	161	30	to	to	PART
hassl-3661	161	31	figure	figure	NOUN
hassl-3661	161	32	1	1	NUM
hassl-3661	161	33	.	.	SYM
hassl-3661	161	34	3.1	3.1	NUM
hassl-3661	161	35	.	.	PUNCT
hassl-3661	162	1	research	research	NOUN
hassl-3661	162	2	model	model	NOUN
hassl-3661	162	3	a	a	DET
hassl-3661	162	4	study	study	NOUN
hassl-3661	162	5	model	model	NOUN
hassl-3661	162	6	was	be	AUX
hassl-3661	162	7	developed	develop	VERB
hassl-3661	162	8	to	to	PART
hassl-3661	162	9	investigate	investigate	VERB
hassl-3661	162	10	the	the	DET
hassl-3661	162	11	main	main	ADJ
hassl-3661	162	12	components	component	NOUN
hassl-3661	162	13	of	of	ADP
hassl-3661	162	14	financial	financial	ADJ
hassl-3661	162	15	technology	technology	NOUN
hassl-3661	162	16	(	(	PUNCT
hassl-3661	162	17	fintech	fintech	NOUN
hassl-3661	162	18	)	)	PUNCT
hassl-3661	162	19	and	and	CCONJ
hassl-3661	162	20	the	the	DET
hassl-3661	162	21	profitability	profitability	NOUN
hassl-3661	162	22	of	of	ADP
hassl-3661	162	23	jordanian	jordanian	ADJ
hassl-3661	162	24	commercial	commercial	ADJ
hassl-3661	162	25	banks	bank	NOUN
hassl-3661	162	26	based	base	VERB
hassl-3661	162	27	on	on	ADP
hassl-3661	162	28	a	a	DET
hassl-3661	162	29	review	review	NOUN
hassl-3661	162	30	of	of	ADP
hassl-3661	162	31	previous	previous	ADJ
hassl-3661	162	32	literature	literature	NOUN
hassl-3661	162	33	.	.	PUNCT
hassl-3661	163	1	figure	figure	NOUN
hassl-3661	163	2	1	1	NUM
hassl-3661	163	3	indicates	indicate	VERB
hassl-3661	163	4	that	that	SCONJ
hassl-3661	163	5	there	there	PRON
hassl-3661	163	6	are	be	VERB
hassl-3661	163	7	three	three	NUM
hassl-3661	163	8	basic	basic	ADJ
hassl-3661	163	9	factors	factor	NOUN
hassl-3661	163	10	:	:	PUNCT
hassl-3661	163	11	financing	financing	NOUN
hassl-3661	163	12	,	,	PUNCT
hassl-3661	163	13	money	money	NOUN
hassl-3661	163	14	transfers	transfer	NOUN
hassl-3661	163	15	and	and	CCONJ
hassl-3661	163	16	lending	lending	NOUN
hassl-3661	163	17	.	.	PUNCT
hassl-3661	164	1	the	the	DET
hassl-3661	164	2	model	model	NOUN
hassl-3661	164	3	below	below	ADV
hassl-3661	164	4	has	have	AUX
hassl-3661	164	5	been	be	AUX
hassl-3661	164	6	tested	test	VERB
hassl-3661	164	7	and	and	CCONJ
hassl-3661	164	8	is	be	AUX
hassl-3661	164	9	considered	consider	VERB
hassl-3661	164	10	a	a	DET
hassl-3661	164	11	new	new	ADJ
hassl-3661	164	12	model	model	NOUN
hassl-3661	164	13	to	to	PART
hassl-3661	164	14	suit	suit	VERB
hassl-3661	164	15	the	the	DET
hassl-3661	164	16	requirements	requirement	NOUN
hassl-3661	164	17	of	of	ADP
hassl-3661	164	18	jordanian	jordanian	ADJ
hassl-3661	164	19	commercial	commercial	ADJ
hassl-3661	164	20	banks	bank	NOUN
hassl-3661	164	21	.	.	PUNCT
hassl-3661	165	1	figure	figure	VERB
hassl-3661	165	2	1	1	NUM
hassl-3661	165	3	.	.	PUNCT
hassl-3661	165	4	research	research	NOUN
hassl-3661	165	5	model	model	NOUN
hassl-3661	165	6	.	.	PUNCT
hassl-3661	166	1	the	the	DET
hassl-3661	166	2	following	follow	VERB
hassl-3661	166	3	hypotheses	hypothesis	NOUN
hassl-3661	166	4	were	be	AUX
hassl-3661	166	5	derived	derive	VERB
hassl-3661	166	6	from	from	ADP
hassl-3661	166	7	the	the	DET
hassl-3661	166	8	previous	previous	ADJ
hassl-3661	166	9	model	model	NOUN
hassl-3661	166	10	.	.	PUNCT
hassl-3661	167	1	h1	h1	PROPN
hassl-3661	167	2	:	:	PUNCT
hassl-3661	167	3	there	there	PRON
hassl-3661	167	4	is	be	VERB
hassl-3661	167	5	no	no	DET
hassl-3661	167	6	statistically	statistically	ADV
hassl-3661	167	7	significant	significant	ADJ
hassl-3661	167	8	effect	effect	NOUN
hassl-3661	167	9	of	of	ADP
hassl-3661	167	10	financing	financing	NOUN
hassl-3661	167	11	on	on	ADP
hassl-3661	167	12	profitability	profitability	NOUN
hassl-3661	167	13	.	.	PUNCT
hassl-3661	168	1	h2	h2	NOUN
hassl-3661	168	2	:	:	PUNCT
hassl-3661	168	3	there	there	PRON
hassl-3661	168	4	is	be	VERB
hassl-3661	168	5	no	no	DET
hassl-3661	168	6	statistically	statistically	ADV
hassl-3661	168	7	significant	significant	ADJ
hassl-3661	168	8	effect	effect	NOUN
hassl-3661	168	9	of	of	ADP
hassl-3661	168	10	money	money	NOUN
hassl-3661	168	11	transfers	transfer	NOUN
hassl-3661	168	12	on	on	ADP
hassl-3661	168	13	profitability	profitability	NOUN
hassl-3661	168	14	.	.	PUNCT
hassl-3661	169	1	h3	h3	NOUN
hassl-3661	169	2	:	:	PUNCT
hassl-3661	169	3	there	there	PRON
hassl-3661	169	4	is	be	VERB
hassl-3661	169	5	no	no	DET
hassl-3661	169	6	statistically	statistically	ADV
hassl-3661	169	7	significant	significant	ADJ
hassl-3661	169	8	effect	effect	NOUN
hassl-3661	169	9	of	of	ADP
hassl-3661	169	10	lending	lending	NOUN
hassl-3661	169	11	concern	concern	NOUN
hassl-3661	169	12	on	on	ADP
hassl-3661	169	13	profitability	profitability	NOUN
hassl-3661	169	14	.	.	PUNCT
hassl-3661	170	1	3.2	3.2	NUM
hassl-3661	170	2	.	.	PUNCT
hassl-3661	170	3	reliability	reliability	NOUN
hassl-3661	170	4	and	and	CCONJ
hassl-3661	170	5	validity	validity	NOUN
hassl-3661	170	6	cronbach	cronbach	NOUN
hassl-3661	170	7	's	's	PART
hassl-3661	170	8	alpha	alpha	ADJ
hassl-3661	170	9	coefficient	coefficient	NOUN
hassl-3661	170	10	was	be	AUX
hassl-3661	170	11	relied	rely	VERB
hassl-3661	170	12	on	on	ADP
hassl-3661	170	13	to	to	PART
hassl-3661	170	14	measure	measure	VERB
hassl-3661	170	15	the	the	DET
hassl-3661	170	16	internal	internal	ADJ
hassl-3661	170	17	consistency	consistency	NOUN
hassl-3661	170	18	between	between	ADP
hassl-3661	170	19	the	the	DET
hassl-3661	170	20	study	study	NOUN
hassl-3661	170	21	variables	variable	NOUN
hassl-3661	170	22	and	and	CCONJ
hassl-3661	170	23	their	their	PRON
hassl-3661	170	24	dimensions	dimension	NOUN
hassl-3661	170	25	by	by	ADP
hassl-3661	170	26	measuring	measure	VERB
hassl-3661	170	27	the	the	DET
hassl-3661	170	28	items	item	NOUN
hassl-3661	170	29	.	.	PUNCT
hassl-3661	171	1	table	table	NOUN
hassl-3661	171	2	1	1	NUM
hassl-3661	171	3	shows	show	VERB
hassl-3661	171	4	that	that	SCONJ
hassl-3661	171	5	all	all	DET
hassl-3661	171	6	values	value	NOUN
hassl-3661	171	7	were	be	AUX
hassl-3661	171	8	greater	great	ADJ
hassl-3661	171	9	than	than	ADP
hassl-3661	171	10	70	70	NUM
hassl-3661	171	11	%	%	NOUN
hassl-3661	171	12	meaning	meaning	NOUN
hassl-3661	171	13	that	that	SCONJ
hassl-3661	171	14	the	the	DET
hassl-3661	171	15	humanities	humanity	NOUN
hassl-3661	171	16	and	and	CCONJ
hassl-3661	171	17	social	social	ADJ
hassl-3661	171	18	sciences	science	NOUN
hassl-3661	171	19	letters	letter	NOUN
hassl-3661	171	20	,	,	PUNCT
hassl-3661	171	21	2024	2024	NUM
hassl-3661	171	22	,	,	PUNCT
hassl-3661	171	23	12(2	12(2	NUM
hassl-3661	171	24	):	):	PUNCT
hassl-3661	171	25	176	176	NUM
hassl-3661	171	26	-	-	SYM
hassl-3661	171	27	188	188	NUM
hassl-3661	171	28	182	182	NUM
hassl-3661	171	29	©	©	PROPN
hassl-3661	171	30	2024	2024	NUM
hassl-3661	171	31	conscientia	conscientia	PROPN
hassl-3661	171	32	beam	beam	PROPN
hassl-3661	171	33	.	.	PUNCT
hassl-3661	172	1	all	all	DET
hassl-3661	172	2	rights	right	NOUN
hassl-3661	172	3	reserved	reserve	VERB
hassl-3661	172	4	.	.	PUNCT
hassl-3661	173	1	questionnaire	questionnaire	NOUN
hassl-3661	173	2	items	item	NOUN
hassl-3661	173	3	had	have	VERB
hassl-3661	173	4	internal	internal	ADJ
hassl-3661	173	5	consistency	consistency	NOUN
hassl-3661	173	6	(	(	PUNCT
hassl-3661	173	7	sekaran	sekaran	NOUN
hassl-3661	173	8	&	&	CCONJ
hassl-3661	173	9	bougie	bougie	NOUN
hassl-3661	173	10	,	,	PUNCT
hassl-3661	173	11	2016	2016	NUM
hassl-3661	173	12	)	)	PUNCT
hassl-3661	173	13	.	.	PUNCT
hassl-3661	174	1	the	the	DET
hassl-3661	174	2	table	table	NOUN
hassl-3661	174	3	shows	show	VERB
hassl-3661	174	4	that	that	SCONJ
hassl-3661	174	5	the	the	DET
hassl-3661	174	6	coefficient	coefficient	NOUN
hassl-3661	174	7	values	value	NOUN
hassl-3661	174	8	of	of	ADP
hassl-3661	174	9	the	the	DET
hassl-3661	174	10	variables	variable	NOUN
hassl-3661	174	11	were	be	AUX
hassl-3661	174	12	greater	great	ADJ
hassl-3661	174	13	than	than	ADP
hassl-3661	174	14	70	70	NUM
hassl-3661	174	15	%	%	NOUN
hassl-3661	174	16	.	.	PUNCT
hassl-3661	175	1	this	this	PRON
hassl-3661	175	2	suggests	suggest	VERB
hassl-3661	175	3	internal	internal	ADJ
hassl-3661	175	4	consistency	consistency	NOUN
hassl-3661	175	5	between	between	ADP
hassl-3661	175	6	variables	variable	NOUN
hassl-3661	175	7	.	.	PUNCT
hassl-3661	176	1	a	a	DET
hassl-3661	176	2	value	value	NOUN
hassl-3661	176	3	of	of	ADP
hassl-3661	176	4	83.6	83.6	NUM
hassl-3661	176	5	%	%	NOUN
hassl-3661	176	6	indicates	indicate	VERB
hassl-3661	176	7	the	the	DET
hassl-3661	176	8	validity	validity	NOUN
hassl-3661	176	9	of	of	ADP
hassl-3661	176	10	the	the	DET
hassl-3661	176	11	survey	survey	NOUN
hassl-3661	176	12	and	and	CCONJ
hassl-3661	176	13	is	be	AUX
hassl-3661	176	14	greater	great	ADJ
hassl-3661	176	15	than	than	ADP
hassl-3661	176	16	70	70	NUM
hassl-3661	176	17	%	%	NOUN
hassl-3661	176	18	.	.	PUNCT
hassl-3661	177	1	this	this	PRON
hassl-3661	177	2	confirms	confirm	VERB
hassl-3661	177	3	the	the	DET
hassl-3661	177	4	internal	internal	ADJ
hassl-3661	177	5	consistency	consistency	NOUN
hassl-3661	177	6	between	between	ADP
hassl-3661	177	7	all	all	DET
hassl-3661	177	8	variables	variable	NOUN
hassl-3661	177	9	.	.	PUNCT
hassl-3661	178	1	table	table	NOUN
hassl-3661	178	2	1	1	NUM
hassl-3661	178	3	.	.	PUNCT
hassl-3661	179	1	cronbach	cronbach	PROPN
hassl-3661	179	2	's	's	PART
hassl-3661	179	3	alpha	alpha	ADJ
hassl-3661	179	4	values	value	NOUN
hassl-3661	179	5	.	.	PUNCT
hassl-3661	180	1	variables	variable	NOUN
hassl-3661	180	2	stability	stability	NOUN
hassl-3661	180	3	coefficient	coefficient	NOUN
hassl-3661	180	4	profitability	profitability	NOUN
hassl-3661	180	5	0.784	0.784	NUM
hassl-3661	180	6	financing	finance	VERB
hassl-3661	180	7	0.767	0.767	NUM
hassl-3661	180	8	money	money	NOUN
hassl-3661	180	9	transfers	transfer	NOUN
hassl-3661	180	10	0.742	0.742	NUM
hassl-3661	180	11	lending	lending	NOUN
hassl-3661	180	12	0.700	0.700	NUM
hassl-3661	180	13	overall	overall	ADJ
hassl-3661	180	14	scale	scale	NOUN
hassl-3661	180	15	0.836	0.836	NUM
hassl-3661	180	16	3.3	3.3	NUM
hassl-3661	180	17	.	.	PUNCT
hassl-3661	181	1	demographical	demographical	ADJ
hassl-3661	181	2	data	datum	NOUN
hassl-3661	181	3	of	of	ADP
hassl-3661	181	4	the	the	DET
hassl-3661	181	5	study	study	NOUN
hassl-3661	181	6	table	table	NOUN
hassl-3661	181	7	2	2	NUM
hassl-3661	181	8	shows	show	VERB
hassl-3661	181	9	the	the	DET
hassl-3661	181	10	frequency	frequency	NOUN
hassl-3661	181	11	and	and	CCONJ
hassl-3661	181	12	percentage	percentage	NOUN
hassl-3661	181	13	of	of	ADP
hassl-3661	181	14	the	the	DET
hassl-3661	181	15	categorical	categorical	ADJ
hassl-3661	181	16	demographic	demographic	ADJ
hassl-3661	181	17	variable	variable	NOUN
hassl-3661	181	18	for	for	ADP
hassl-3661	181	19	simple	simple	ADJ
hassl-3661	181	20	size	size	NOUN
hassl-3661	181	21	.	.	PUNCT
hassl-3661	182	1	table	table	NOUN
hassl-3661	182	2	2	2	NUM
hassl-3661	182	3	.	.	X
hassl-3661	182	4	profile	profile	NOUN
hassl-3661	182	5	of	of	ADP
hassl-3661	182	6	respondents	respondent	NOUN
hassl-3661	182	7	.	.	PUNCT
hassl-3661	183	1	variable	variable	ADJ
hassl-3661	183	2	classification	classification	NOUN
hassl-3661	183	3	n	n	CCONJ
hassl-3661	183	4	%	%	NOUN
hassl-3661	183	5	gender	gender	NOUN
hassl-3661	183	6	male	male	NOUN
hassl-3661	183	7	250	250	NUM
hassl-3661	183	8	31.93	31.93	NUM
hassl-3661	183	9	female	female	ADJ
hassl-3661	183	10	533	533	NUM
hassl-3661	183	11	68.07	68.07	NUM
hassl-3661	183	12	age	age	NOUN
hassl-3661	183	13	less	less	ADJ
hassl-3661	183	14	than	than	ADP
hassl-3661	183	15	25	25	NUM
hassl-3661	183	16	670	670	NUM
hassl-3661	183	17	85.57	85.57	NUM
hassl-3661	183	18	26	26	NUM
hassl-3661	183	19	–	–	PUNCT
hassl-3661	183	20	35	35	NUM
hassl-3661	183	21	80	80	NUM
hassl-3661	183	22	10.22	10.22	NUM
hassl-3661	183	23	more	more	ADJ
hassl-3661	183	24	than	than	ADP
hassl-3661	183	25	36	36	NUM
hassl-3661	183	26	33	33	NUM
hassl-3661	183	27	4.22	4.22	NUM
hassl-3661	183	28	education	education	NOUN
hassl-3661	183	29	level	level	NOUN
hassl-3661	183	30	secondary	secondary	ADJ
hassl-3661	183	31	63	63	NUM
hassl-3661	183	32	8.05	8.05	NUM
hassl-3661	183	33	bachelor	bachelor	NOUN
hassl-3661	183	34	130	130	NUM
hassl-3661	183	35	16.6	16.6	NUM
hassl-3661	183	36	postgraduate	postgraduate	NOUN
hassl-3661	183	37	studies	study	NOUN
hassl-3661	183	38	500	500	NUM
hassl-3661	183	39	63.86	63.86	NUM
hassl-3661	183	40	other	other	ADJ
hassl-3661	183	41	90	90	NUM
hassl-3661	183	42	8.94	8.94	NUM
hassl-3661	183	43	years	year	NOUN
hassl-3661	183	44	of	of	ADP
hassl-3661	183	45	experience	experience	NOUN
hassl-3661	183	46	less	less	ADJ
hassl-3661	183	47	than	than	ADP
hassl-3661	183	48	5	5	NUM
hassl-3661	183	49	years	year	NOUN
hassl-3661	183	50	87	87	NUM
hassl-3661	183	51	11.49	11.49	NUM
hassl-3661	183	52	6	6	NUM
hassl-3661	183	53	–	–	PUNCT
hassl-3661	183	54	10	10	NUM
hassl-3661	183	55	years	year	NOUN
hassl-3661	183	56	615	615	NUM
hassl-3661	183	57	78.54	78.54	NUM
hassl-3661	183	58	more	more	ADJ
hassl-3661	183	59	than	than	ADP
hassl-3661	183	60	10	10	NUM
hassl-3661	183	61	years	year	NOUN
hassl-3661	183	62	81	81	NUM
hassl-3661	183	63	10.35	10.35	NUM
hassl-3661	183	64	the	the	DET
hassl-3661	183	65	preceding	precede	VERB
hassl-3661	183	66	table	table	NOUN
hassl-3661	183	67	presents	present	VERB
hassl-3661	183	68	the	the	DET
hassl-3661	183	69	calculated	calculated	ADJ
hassl-3661	183	70	percentages	percentage	NOUN
hassl-3661	183	71	and	and	CCONJ
hassl-3661	183	72	frequencies	frequency	NOUN
hassl-3661	183	73	for	for	ADP
hassl-3661	183	74	the	the	DET
hassl-3661	183	75	sample	sample	NOUN
hassl-3661	183	76	.	.	PUNCT
hassl-3661	184	1	the	the	DET
hassl-3661	184	2	results	result	NOUN
hassl-3661	184	3	indicate	indicate	VERB
hassl-3661	184	4	that	that	SCONJ
hassl-3661	184	5	in	in	ADP
hassl-3661	184	6	the	the	DET
hassl-3661	184	7	gender	gender	NOUN
hassl-3661	184	8	variable	variable	NOUN
hassl-3661	184	9	,	,	PUNCT
hassl-3661	184	10	the	the	DET
hassl-3661	184	11	highest	high	ADJ
hassl-3661	184	12	category	category	NOUN
hassl-3661	184	13	which	which	PRON
hassl-3661	184	14	is	be	AUX
hassl-3661	184	15	female	female	ADJ
hassl-3661	184	16	has	have	VERB
hassl-3661	184	17	a	a	DET
hassl-3661	184	18	frequency	frequency	NOUN
hassl-3661	184	19	of	of	ADP
hassl-3661	184	20	533	533	NUM
hassl-3661	184	21	accounting	accounting	NOUN
hassl-3661	184	22	for	for	ADP
hassl-3661	184	23	68.07	68.07	NUM
hassl-3661	184	24	%	%	NOUN
hassl-3661	184	25	of	of	ADP
hassl-3661	184	26	the	the	DET
hassl-3661	184	27	sample	sample	NOUN
hassl-3661	184	28	.	.	PUNCT
hassl-3661	185	1	conversely	conversely	ADV
hassl-3661	185	2	,	,	PUNCT
hassl-3661	185	3	the	the	DET
hassl-3661	185	4	lowest	low	ADJ
hassl-3661	185	5	category	category	NOUN
hassl-3661	185	6	is	be	AUX
hassl-3661	185	7	male	male	NOUN
hassl-3661	185	8	has	have	VERB
hassl-3661	185	9	a	a	DET
hassl-3661	185	10	frequency	frequency	NOUN
hassl-3661	185	11	of	of	ADP
hassl-3661	185	12	250	250	NUM
hassl-3661	185	13	representing	represent	VERB
hassl-3661	185	14	31.93	31.93	NUM
hassl-3661	185	15	%	%	NOUN
hassl-3661	185	16	of	of	ADP
hassl-3661	185	17	the	the	DET
hassl-3661	185	18	sample	sample	NOUN
hassl-3661	185	19	.	.	PUNCT
hassl-3661	186	1	when	when	SCONJ
hassl-3661	186	2	it	it	PRON
hassl-3661	186	3	comes	come	VERB
hassl-3661	186	4	to	to	ADP
hassl-3661	186	5	the	the	DET
hassl-3661	186	6	age	age	NOUN
hassl-3661	186	7	variable	variable	NOUN
hassl-3661	186	8	,	,	PUNCT
hassl-3661	186	9	the	the	DET
hassl-3661	186	10	largest	large	ADJ
hassl-3661	186	11	category	category	NOUN
hassl-3661	186	12	less	less	ADJ
hassl-3661	186	13	than	than	ADP
hassl-3661	186	14	25	25	NUM
hassl-3661	186	15	accounts	account	NOUN
hassl-3661	186	16	for	for	ADP
hassl-3661	186	17	85.57	85.57	NUM
hassl-3661	186	18	%	%	NOUN
hassl-3661	186	19	of	of	ADP
hassl-3661	186	20	the	the	DET
hassl-3661	186	21	sample	sample	NOUN
hassl-3661	186	22	with	with	ADP
hassl-3661	186	23	a	a	DET
hassl-3661	186	24	frequency	frequency	NOUN
hassl-3661	186	25	of	of	ADP
hassl-3661	186	26	670."more	670."more	NUM
hassl-3661	186	27	than	than	ADP
hassl-3661	186	28	36	36	NUM
hassl-3661	186	29	"	"	PUNCT
hassl-3661	186	30	is	be	AUX
hassl-3661	186	31	the	the	DET
hassl-3661	186	32	lowest	low	ADJ
hassl-3661	186	33	group	group	NOUN
hassl-3661	186	34	with	with	ADP
hassl-3661	186	35	a	a	DET
hassl-3661	186	36	frequency	frequency	NOUN
hassl-3661	186	37	of	of	ADP
hassl-3661	186	38	33	33	NUM
hassl-3661	186	39	making	make	VERB
hassl-3661	186	40	up	up	ADV
hassl-3661	186	41	4.22	4.22	NUM
hassl-3661	186	42	%	%	NOUN
hassl-3661	186	43	of	of	ADP
hassl-3661	186	44	the	the	DET
hassl-3661	186	45	sample	sample	NOUN
hassl-3661	186	46	.	.	PUNCT
hassl-3661	187	1	as	as	ADP
hassl-3661	187	2	for	for	ADP
hassl-3661	187	3	the	the	DET
hassl-3661	187	4	education	education	NOUN
hassl-3661	187	5	level	level	NOUN
hassl-3661	187	6	variable	variable	NOUN
hassl-3661	187	7	,	,	PUNCT
hassl-3661	187	8	the	the	DET
hassl-3661	187	9	highest	high	ADJ
hassl-3661	187	10	category	category	NOUN
hassl-3661	187	11	,	,	PUNCT
hassl-3661	187	12	"	"	PUNCT
hassl-3661	187	13	postgraduate	postgraduate	NOUN
hassl-3661	187	14	studies	study	NOUN
hassl-3661	187	15	,	,	PUNCT
hassl-3661	187	16	"	"	PUNCT
hassl-3661	187	17	has	have	VERB
hassl-3661	187	18	a	a	DET
hassl-3661	187	19	frequency	frequency	NOUN
hassl-3661	187	20	of	of	ADP
hassl-3661	187	21	500	500	NUM
hassl-3661	187	22	accounting	account	VERB
hassl-3661	187	23	for	for	ADP
hassl-3661	187	24	63.86	63.86	NUM
hassl-3661	187	25	%	%	NOUN
hassl-3661	187	26	of	of	ADP
hassl-3661	187	27	the	the	DET
hassl-3661	187	28	sample	sample	NOUN
hassl-3661	187	29	.	.	PUNCT
hassl-3661	188	1	on	on	ADP
hassl-3661	188	2	the	the	DET
hassl-3661	188	3	other	other	ADJ
hassl-3661	188	4	hand	hand	NOUN
hassl-3661	188	5	,	,	PUNCT
hassl-3661	188	6	the	the	DET
hassl-3661	188	7	lowest	low	ADJ
hassl-3661	188	8	category	category	NOUN
hassl-3661	188	9	,	,	PUNCT
hassl-3661	188	10	"	"	PUNCT
hassl-3661	188	11	secondary	secondary	ADJ
hassl-3661	188	12	"	"	PUNCT
hassl-3661	188	13	has	have	VERB
hassl-3661	188	14	a	a	DET
hassl-3661	188	15	frequency	frequency	NOUN
hassl-3661	188	16	of	of	ADP
hassl-3661	188	17	63	63	NUM
hassl-3661	188	18	representing	represent	VERB
hassl-3661	188	19	8.05	8.05	NUM
hassl-3661	188	20	%	%	NOUN
hassl-3661	188	21	of	of	ADP
hassl-3661	188	22	the	the	DET
hassl-3661	188	23	sample	sample	NOUN
hassl-3661	188	24	.	.	PUNCT
hassl-3661	189	1	lastly	lastly	ADV
hassl-3661	189	2	,	,	PUNCT
hassl-3661	189	3	in	in	ADP
hassl-3661	189	4	the	the	DET
hassl-3661	189	5	years	year	NOUN
hassl-3661	189	6	of	of	ADP
hassl-3661	189	7	experience	experience	NOUN
hassl-3661	189	8	variable	variable	NOUN
hassl-3661	189	9	,	,	PUNCT
hassl-3661	189	10	the	the	DET
hassl-3661	189	11	highest	high	ADJ
hassl-3661	189	12	category	category	NOUN
hassl-3661	189	13	,	,	PUNCT
hassl-3661	189	14	"	"	PUNCT
hassl-3661	189	15	6	6	NUM
hassl-3661	189	16	10	10	NUM
hassl-3661	189	17	years	year	NOUN
hassl-3661	189	18	,	,	PUNCT
hassl-3661	189	19	"	"	PUNCT
hassl-3661	189	20	has	have	VERB
hassl-3661	189	21	a	a	DET
hassl-3661	189	22	frequency	frequency	NOUN
hassl-3661	189	23	of	of	ADP
hassl-3661	189	24	615	615	NUM
hassl-3661	189	25	making	make	VERB
hassl-3661	189	26	up	up	ADP
hassl-3661	189	27	78.54	78.54	NUM
hassl-3661	189	28	%	%	NOUN
hassl-3661	189	29	of	of	ADP
hassl-3661	189	30	the	the	DET
hassl-3661	189	31	sample	sample	NOUN
hassl-3661	189	32	,	,	PUNCT
hassl-3661	189	33	while	while	SCONJ
hassl-3661	189	34	the	the	DET
hassl-3661	189	35	lowest	low	ADJ
hassl-3661	189	36	category	category	NOUN
hassl-3661	189	37	,	,	PUNCT
hassl-3661	189	38	"	"	PUNCT
hassl-3661	189	39	more	more	ADJ
hassl-3661	189	40	than	than	ADP
hassl-3661	189	41	10	10	NUM
hassl-3661	189	42	years	year	NOUN
hassl-3661	189	43	,	,	PUNCT
hassl-3661	189	44	"	"	PUNCT
hassl-3661	189	45	has	have	VERB
hassl-3661	189	46	a	a	DET
hassl-3661	189	47	frequency	frequency	NOUN
hassl-3661	189	48	of	of	ADP
hassl-3661	189	49	81constituting	81constitute	VERB
hassl-3661	189	50	10.35	10.35	NUM
hassl-3661	189	51	%	%	NOUN
hassl-3661	189	52	of	of	ADP
hassl-3661	189	53	the	the	DET
hassl-3661	189	54	sample	sample	NOUN
hassl-3661	189	55	.	.	PUNCT
hassl-3661	190	1	4	4	X
hassl-3661	190	2	.	.	X
hassl-3661	190	3	results	result	VERB
hassl-3661	190	4	4.1	4.1	NUM
hassl-3661	190	5	.	.	PUNCT
hassl-3661	191	1	descriptive	descriptive	ADJ
hassl-3661	191	2	analysis	analysis	NOUN
hassl-3661	191	3	table	table	NOUN
hassl-3661	191	4	3	3	NUM
hassl-3661	191	5	shows	show	VERB
hassl-3661	191	6	the	the	DET
hassl-3661	191	7	descriptive	descriptive	ADJ
hassl-3661	191	8	analysis	analysis	NOUN
hassl-3661	191	9	data	datum	NOUN
hassl-3661	191	10	for	for	ADP
hassl-3661	191	11	variables	variable	NOUN
hassl-3661	191	12	.	.	PUNCT
hassl-3661	192	1	table	table	NOUN
hassl-3661	192	2	3	3	NUM
hassl-3661	192	3	shows	show	VERB
hassl-3661	192	4	a	a	DET
hassl-3661	192	5	high	high	ADJ
hassl-3661	192	6	estimate	estimate	NOUN
hassl-3661	192	7	of	of	ADP
hassl-3661	192	8	the	the	DET
hassl-3661	192	9	variables	variable	NOUN
hassl-3661	192	10	.	.	PUNCT
hassl-3661	193	1	the	the	DET
hassl-3661	193	2	highest	high	ADJ
hassl-3661	193	3	arithmetic	arithmetic	ADJ
hassl-3661	193	4	mean	mean	NOUN
hassl-3661	193	5	(	(	PUNCT
hassl-3661	193	6	money	money	NOUN
hassl-3661	193	7	transfers	transfer	NOUN
hassl-3661	193	8	)	)	PUNCT
hassl-3661	193	9	was	be	AUX
hassl-3661	193	10	a	a	DET
hassl-3661	193	11	high	high	ADJ
hassl-3661	193	12	estimate	estimate	NOUN
hassl-3661	193	13	of	of	ADP
hassl-3661	193	14	(	(	PUNCT
hassl-3661	193	15	3.6365	3.6365	NUM
hassl-3661	193	16	)	)	PUNCT
hassl-3661	193	17	and	and	CCONJ
hassl-3661	193	18	standard	standard	ADJ
hassl-3661	193	19	deviation	deviation	NOUN
hassl-3661	193	20	(	(	PUNCT
hassl-3661	193	21	0.645	0.645	NUM
hassl-3661	193	22	)	)	PUNCT
hassl-3661	193	23	followed	follow	VERB
hassl-3661	193	24	by	by	ADP
hassl-3661	193	25	(	(	PUNCT
hassl-3661	193	26	financing	financing	NOUN
hassl-3661	193	27	)	)	PUNCT
hassl-3661	193	28	with	with	ADP
hassl-3661	193	29	a	a	DET
hassl-3661	193	30	mean	mean	NOUN
hassl-3661	193	31	amounted	amount	VERB
hassl-3661	193	32	to	to	ADP
hassl-3661	193	33	(	(	PUNCT
hassl-3661	193	34	3.4392	3.4392	NUM
hassl-3661	193	35	)	)	PUNCT
hassl-3661	193	36	and	and	CCONJ
hassl-3661	193	37	standard	standard	ADJ
hassl-3661	193	38	deviation	deviation	NOUN
hassl-3661	193	39	(	(	PUNCT
hassl-3661	193	40	0.7511	0.7511	NUM
hassl-3661	193	41	)	)	PUNCT
hassl-3661	193	42	followed	follow	VERB
hassl-3661	193	43	by	by	ADP
hassl-3661	193	44	(	(	PUNCT
hassl-3661	193	45	lending	lending	NOUN
hassl-3661	193	46	)	)	PUNCT
hassl-3661	193	47	with	with	ADP
hassl-3661	193	48	an	an	DET
hassl-3661	193	49	arithmetic	arithmetic	ADJ
hassl-3661	193	50	mean	mean	NOUN
hassl-3661	193	51	of	of	ADP
hassl-3661	193	52	(	(	PUNCT
hassl-3661	193	53	3.2171	3.2171	NUM
hassl-3661	193	54	)	)	PUNCT
hassl-3661	193	55	and	and	CCONJ
hassl-3661	193	56	standard	standard	ADJ
hassl-3661	193	57	deviation	deviation	NOUN
hassl-3661	193	58	(	(	PUNCT
hassl-3661	193	59	0.7191	0.7191	NUM
hassl-3661	193	60	)	)	PUNCT
hassl-3661	193	61	and	and	CCONJ
hassl-3661	193	62	finally	finally	ADV
hassl-3661	193	63	(	(	PUNCT
hassl-3661	193	64	profitability	profitability	NOUN
hassl-3661	193	65	)	)	PUNCT
hassl-3661	193	66	amounted	amount	VERB
hassl-3661	193	67	to	to	ADP
hassl-3661	193	68	(	(	PUNCT
hassl-3661	193	69	3.6066	3.6066	NUM
hassl-3661	193	70	)	)	PUNCT
hassl-3661	193	71	and	and	CCONJ
hassl-3661	193	72	standard	standard	ADJ
hassl-3661	193	73	deviation	deviation	NOUN
hassl-3661	193	74	(	(	PUNCT
hassl-3661	193	75	0.6509	0.6509	NUM
hassl-3661	193	76	)	)	PUNCT
hassl-3661	193	77	.	.	PUNCT
hassl-3661	194	1	humanities	humanity	NOUN
hassl-3661	194	2	and	and	CCONJ
hassl-3661	194	3	social	social	ADJ
hassl-3661	194	4	sciences	science	NOUN
hassl-3661	194	5	letters	letter	NOUN
hassl-3661	194	6	,	,	PUNCT
hassl-3661	194	7	2024	2024	NUM
hassl-3661	194	8	,	,	PUNCT
hassl-3661	194	9	12(2	12(2	NUM
hassl-3661	194	10	):	):	PUNCT
hassl-3661	194	11	176	176	NUM
hassl-3661	194	12	-	-	SYM
hassl-3661	194	13	188	188	NUM
hassl-3661	194	14	183	183	NUM
hassl-3661	194	15	©	©	PROPN
hassl-3661	194	16	2024	2024	NUM
hassl-3661	194	17	conscientia	conscientia	PROPN
hassl-3661	194	18	beam	beam	PROPN
hassl-3661	194	19	.	.	PUNCT
hassl-3661	195	1	all	all	DET
hassl-3661	195	2	rights	right	NOUN
hassl-3661	195	3	reserved	reserve	VERB
hassl-3661	195	4	.	.	PUNCT
hassl-3661	196	1	table	table	NOUN
hassl-3661	196	2	3	3	NUM
hassl-3661	196	3	.	.	PUNCT
hassl-3661	196	4	mean	mean	VERB
hassl-3661	196	5	and	and	CCONJ
hassl-3661	196	6	standard	standard	ADJ
hassl-3661	196	7	deviations	deviation	NOUN
hassl-3661	196	8	of	of	ADP
hassl-3661	196	9	the	the	DET
hassl-3661	196	10	variables	variable	NOUN
hassl-3661	196	11	.	.	PUNCT
hassl-3661	197	1	variables	variable	NOUN
hassl-3661	197	2	mean	mean	VERB
hassl-3661	197	3	standard	standard	ADJ
hassl-3661	197	4	deviation	deviation	NOUN
hassl-3661	197	5	total	total	NOUN
hassl-3661	197	6	financing	finance	VERB
hassl-3661	197	7	3.439	3.439	NUM
hassl-3661	197	8	0.751	0.751	NUM
hassl-3661	197	9	total	total	ADJ
hassl-3661	197	10	money	money	NOUN
hassl-3661	197	11	transfers	transfer	VERB
hassl-3661	197	12	3.637	3.637	NUM
hassl-3661	197	13	0.646	0.646	NUM
hassl-3661	197	14	total	total	ADJ
hassl-3661	197	15	lending	lending	NOUN
hassl-3661	197	16	3.217	3.217	NUM
hassl-3661	197	17	0.719	0.719	NUM
hassl-3661	197	18	total	total	ADJ
hassl-3661	197	19	profitability	profitability	NOUN
hassl-3661	197	20	3.607	3.607	NUM
hassl-3661	197	21	0.651	0.651	NUM
hassl-3661	197	22	4.2	4.2	NUM
hassl-3661	197	23	.	.	PUNCT
hassl-3661	198	1	hypothesis	hypothesis	NOUN
hassl-3661	198	2	testing	testing	NOUN
hassl-3661	198	3	according	accord	VERB
hassl-3661	198	4	to	to	ADP
hassl-3661	198	5	table	table	NOUN
hassl-3661	198	6	4	4	NUM
hassl-3661	198	7	,	,	PUNCT
hassl-3661	198	8	the	the	DET
hassl-3661	198	9	correlation	correlation	NOUN
hassl-3661	198	10	coefficient	coefficient	NOUN
hassl-3661	198	11	between	between	ADP
hassl-3661	198	12	the	the	DET
hassl-3661	198	13	variable	variable	ADJ
hassl-3661	198	14	"	"	PUNCT
hassl-3661	198	15	financing	financing	NOUN
hassl-3661	198	16	"	"	PUNCT
hassl-3661	198	17	and	and	CCONJ
hassl-3661	198	18	the	the	DET
hassl-3661	198	19	dependent	dependent	ADJ
hassl-3661	198	20	variable	variable	ADJ
hassl-3661	198	21	profitability	profitability	NOUN
hassl-3661	198	22	is	be	AUX
hassl-3661	198	23	0.465	0.465	NUM
hassl-3661	198	24	.	.	PUNCT
hassl-3661	199	1	the	the	DET
hassl-3661	199	2	coefficient	coefficient	NOUN
hassl-3661	199	3	of	of	ADP
hassl-3661	199	4	determination	determination	NOUN
hassl-3661	199	5	(	(	PUNCT
hassl-3661	199	6	r2	r2	PROPN
hassl-3661	199	7	)	)	PUNCT
hassl-3661	199	8	is	be	AUX
hassl-3661	199	9	0.217	0.217	NUM
hassl-3661	199	10	indicating	indicate	VERB
hassl-3661	199	11	that	that	SCONJ
hassl-3661	199	12	the	the	DET
hassl-3661	199	13	model	model	NOUN
hassl-3661	199	14	explains	explain	VERB
hassl-3661	199	15	21.7	21.7	NUM
hassl-3661	199	16	%	%	NOUN
hassl-3661	199	17	of	of	ADP
hassl-3661	199	18	the	the	DET
hassl-3661	199	19	total	total	ADJ
hassl-3661	199	20	variance	variance	NOUN
hassl-3661	199	21	in	in	ADP
hassl-3661	199	22	profitability	profitability	NOUN
hassl-3661	199	23	while	while	SCONJ
hassl-3661	199	24	the	the	DET
hassl-3661	199	25	remaining	remain	VERB
hassl-3661	199	26	variance	variance	NOUN
hassl-3661	199	27	is	be	AUX
hassl-3661	199	28	attributed	attribute	VERB
hassl-3661	199	29	to	to	ADP
hassl-3661	199	30	other	other	ADJ
hassl-3661	199	31	factors	factor	NOUN
hassl-3661	199	32	.	.	PUNCT
hassl-3661	200	1	additionally	additionally	ADV
hassl-3661	200	2	,	,	PUNCT
hassl-3661	200	3	the	the	DET
hassl-3661	200	4	sig	sig	NOUN
hassl-3661	200	5	values	value	NOUN
hassl-3661	200	6	in	in	ADP
hassl-3661	200	7	table	table	NOUN
hassl-3661	200	8	4	4	NUM
hassl-3661	200	9	are	be	AUX
hassl-3661	200	10	0.00	0.00	NUM
hassl-3661	200	11	indicating	indicate	VERB
hassl-3661	200	12	that	that	SCONJ
hassl-3661	200	13	the	the	DET
hassl-3661	200	14	null	null	ADJ
hassl-3661	200	15	hypothesis	hypothesis	NOUN
hassl-3661	200	16	for	for	ADP
hassl-3661	200	17	the	the	DET
hassl-3661	200	18	dimension	dimension	NOUN
hassl-3661	200	19	of	of	ADP
hassl-3661	200	20	financing	financing	NOUN
hassl-3661	200	21	is	be	AUX
hassl-3661	200	22	rejected	reject	VERB
hassl-3661	200	23	suggesting	suggest	VERB
hassl-3661	200	24	a	a	DET
hassl-3661	200	25	statistically	statistically	ADV
hassl-3661	200	26	significant	significant	ADJ
hassl-3661	200	27	effect	effect	NOUN
hassl-3661	200	28	on	on	ADP
hassl-3661	200	29	profitability	profitability	NOUN
hassl-3661	200	30	.	.	PUNCT
hassl-3661	201	1	the	the	DET
hassl-3661	201	2	beta	beta	ADJ
hassl-3661	201	3	value	value	NOUN
hassl-3661	201	4	in	in	ADP
hassl-3661	201	5	the	the	DET
hassl-3661	201	6	table	table	NOUN
hassl-3661	201	7	is	be	AUX
hassl-3661	201	8	also	also	ADV
hassl-3661	201	9	0.465	0.465	NUM
hassl-3661	201	10	.	.	PUNCT
hassl-3661	202	1	table	table	NOUN
hassl-3661	202	2	4	4	NUM
hassl-3661	202	3	.	.	PUNCT
hassl-3661	202	4	simple	simple	ADJ
hassl-3661	202	5	linear	linear	ADJ
hassl-3661	202	6	regression	regression	NOUN
hassl-3661	202	7	for	for	ADP
hassl-3661	202	8	the	the	DET
hassl-3661	202	9	relationship	relationship	NOUN
hassl-3661	202	10	between	between	ADP
hassl-3661	202	11	financing	financing	NOUN
hassl-3661	202	12	and	and	CCONJ
hassl-3661	202	13	profitability	profitability	NOUN
hassl-3661	202	14	.	.	PUNCT
hassl-3661	203	1	element	element	NOUN
hassl-3661	203	2	b	b	PROPN
hassl-3661	203	3	std	std	PROPN
hassl-3661	203	4	.	.	NOUN
hassl-3661	203	5	error	error	NOUN
hassl-3661	203	6	beta	beta	PROPN
hassl-3661	203	7	t	t	PROPN
hassl-3661	203	8	sig	sig	PROPN
hassl-3661	203	9	.	.	PUNCT
hassl-3661	204	1	(	(	PUNCT
hassl-3661	204	2	constant	constant	ADJ
hassl-3661	204	3	)	)	PUNCT
hassl-3661	204	4	2.220	2.220	NUM
hassl-3661	204	5	0.097	0.097	NUM
hassl-3661	204	6	0.784	0.784	NUM
hassl-3661	204	7	22.970	22.970	NUM
hassl-3661	204	8	<	<	NOUN
hassl-3661	204	9	0.001	0.001	NUM
hassl-3661	204	10	financing	financing	NOUN
hassl-3661	204	11	0.403	0.403	NUM
hassl-3661	204	12	0.027	0.027	NUM
hassl-3661	204	13	0.465	0.465	NUM
hassl-3661	204	14	14.692	14.692	NUM
hassl-3661	204	15	<	<	NOUN
hassl-3661	204	16	0.001	0.001	NUM
hassl-3661	204	17	r²	r²	NOUN
hassl-3661	204	18	=	=	PUNCT
hassl-3661	204	19	0.217	0.217	NUM
hassl-3661	204	20	the	the	DET
hassl-3661	204	21	correlation	correlation	NOUN
hassl-3661	204	22	coefficient	coefficient	NOUN
hassl-3661	204	23	between	between	ADP
hassl-3661	204	24	the	the	DET
hassl-3661	204	25	independent	independent	ADJ
hassl-3661	204	26	variable	variable	ADJ
hassl-3661	204	27	profitability	profitability	NOUN
hassl-3661	204	28	"	"	PUNCT
hassl-3661	204	29	and	and	CCONJ
hassl-3661	204	30	the	the	DET
hassl-3661	204	31	dependent	dependent	ADJ
hassl-3661	204	32	variable	variable	ADJ
hassl-3661	204	33	money	money	NOUN
hassl-3661	204	34	transfer	transfer	NOUN
hassl-3661	204	35	is	be	AUX
hassl-3661	204	36	0.200	0.200	NUM
hassl-3661	204	37	as	as	SCONJ
hassl-3661	204	38	shown	show	VERB
hassl-3661	204	39	in	in	ADP
hassl-3661	204	40	table	table	NOUN
hassl-3661	204	41	5	5	NUM
hassl-3661	204	42	.	.	PUNCT
hassl-3661	205	1	the	the	DET
hassl-3661	205	2	model	model	NOUN
hassl-3661	205	3	may	may	AUX
hassl-3661	205	4	explain	explain	VERB
hassl-3661	205	5	12.5	12.5	NUM
hassl-3661	205	6	%	%	NOUN
hassl-3661	205	7	of	of	ADP
hassl-3661	205	8	the	the	DET
hassl-3661	205	9	variation	variation	NOUN
hassl-3661	205	10	in	in	ADP
hassl-3661	205	11	profitability	profitability	NOUN
hassl-3661	205	12	with	with	ADP
hassl-3661	205	13	a	a	DET
hassl-3661	205	14	coefficient	coefficient	NOUN
hassl-3661	205	15	of	of	ADP
hassl-3661	205	16	determination	determination	NOUN
hassl-3661	205	17	(	(	PUNCT
hassl-3661	205	18	r2	r2	PROPN
hassl-3661	205	19	)	)	PUNCT
hassl-3661	205	20	of	of	ADP
hassl-3661	205	21	0.125	0.125	NUM
hassl-3661	205	22	.	.	PUNCT
hassl-3661	206	1	other	other	ADJ
hassl-3661	206	2	factors	factor	NOUN
hassl-3661	206	3	will	will	AUX
hassl-3661	206	4	need	need	VERB
hassl-3661	206	5	to	to	PART
hassl-3661	206	6	explain	explain	VERB
hassl-3661	206	7	the	the	DET
hassl-3661	206	8	remaining	remain	VERB
hassl-3661	206	9	variance	variance	NOUN
hassl-3661	206	10	.	.	PUNCT
hassl-3661	207	1	furthermore	furthermore	ADV
hassl-3661	207	2	,	,	PUNCT
hassl-3661	207	3	table	table	NOUN
hassl-3661	207	4	5	5	NUM
hassl-3661	207	5	shows	show	VERB
hassl-3661	207	6	sig	sig	PRON
hassl-3661	207	7	values	value	NOUN
hassl-3661	207	8	of	of	ADP
hassl-3661	207	9	0.00	0.00	NUM
hassl-3661	207	10	showing	show	VERB
hassl-3661	207	11	the	the	DET
hassl-3661	207	12	rejection	rejection	NOUN
hassl-3661	207	13	of	of	ADP
hassl-3661	207	14	the	the	DET
hassl-3661	207	15	null	null	ADJ
hassl-3661	207	16	hypothesis	hypothesis	NOUN
hassl-3661	207	17	for	for	ADP
hassl-3661	207	18	the	the	DET
hassl-3661	207	19	dimension	dimension	NOUN
hassl-3661	207	20	of	of	ADP
hassl-3661	207	21	money	money	NOUN
hassl-3661	207	22	transfers	transfer	NOUN
hassl-3661	207	23	and	and	CCONJ
hassl-3661	207	24	a	a	DET
hassl-3661	207	25	statistically	statistically	ADV
hassl-3661	207	26	significant	significant	ADJ
hassl-3661	207	27	impact	impact	NOUN
hassl-3661	207	28	on	on	ADP
hassl-3661	207	29	profitability	profitability	NOUN
hassl-3661	207	30	.	.	PUNCT
hassl-3661	208	1	the	the	DET
hassl-3661	208	2	table	table	NOUN
hassl-3661	208	3	's	's	PART
hassl-3661	208	4	beta	beta	NOUN
hassl-3661	208	5	value	value	NOUN
hassl-3661	208	6	is	be	AUX
hassl-3661	208	7	0.200	0.200	NUM
hassl-3661	208	8	.	.	PUNCT
hassl-3661	208	9	table	table	NOUN
hassl-3661	208	10	5	5	NUM
hassl-3661	208	11	.	.	PUNCT
hassl-3661	208	12	simple	simple	ADJ
hassl-3661	208	13	linear	linear	ADJ
hassl-3661	208	14	regression	regression	NOUN
hassl-3661	208	15	for	for	ADP
hassl-3661	208	16	the	the	DET
hassl-3661	208	17	relationship	relationship	NOUN
hassl-3661	208	18	between	between	ADP
hassl-3661	208	19	money	money	NOUN
hassl-3661	208	20	transfers	transfer	NOUN
hassl-3661	208	21	and	and	CCONJ
hassl-3661	208	22	profitability	profitability	NOUN
hassl-3661	208	23	.	.	PUNCT
hassl-3661	209	1	element	element	NOUN
hassl-3661	209	2	b	b	PROPN
hassl-3661	209	3	std	std	PROPN
hassl-3661	209	4	.	.	NOUN
hassl-3661	209	5	error	error	NOUN
hassl-3661	209	6	beta	beta	PROPN
hassl-3661	209	7	t	t	PROPN
hassl-3661	209	8	sig	sig	PROPN
hassl-3661	209	9	.	.	PUNCT
hassl-3661	210	1	(	(	PUNCT
hassl-3661	210	2	constant	constant	ADJ
hassl-3661	210	3	)	)	PUNCT
hassl-3661	210	4	2.875	2.875	NUM
hassl-3661	210	5	0.131	0.131	NUM
hassl-3661	210	6	0.457	0.457	NUM
hassl-3661	210	7	22.025	22.025	NUM
hassl-3661	210	8	<	<	NOUN
hassl-3661	210	9	0.001	0.001	NUM
hassl-3661	210	10	money	money	NOUN
hassl-3661	210	11	transfers	transfer	NOUN
hassl-3661	210	12	0.201	0.201	NUM
hassl-3661	210	13	0.035	0.035	NUM
hassl-3661	210	14	0.200	0.200	NUM
hassl-3661	210	15	5.695	5.695	NUM
hassl-3661	210	16	<	<	NOUN
hassl-3661	210	17	0.001	0.001	NUM
hassl-3661	210	18	r²	r²	NOUN
hassl-3661	210	19	=	=	SYM
hassl-3661	210	20	0.125	0.125	NUM
hassl-3661	210	21	based	base	VERB
hassl-3661	210	22	on	on	ADP
hassl-3661	210	23	table	table	NOUN
hassl-3661	210	24	6	6	NUM
hassl-3661	210	25	,	,	PUNCT
hassl-3661	210	26	the	the	DET
hassl-3661	210	27	correlation	correlation	NOUN
hassl-3661	210	28	coefficient	coefficient	NOUN
hassl-3661	210	29	between	between	ADP
hassl-3661	210	30	the	the	DET
hassl-3661	210	31	independent	independent	ADJ
hassl-3661	210	32	variable	variable	ADJ
hassl-3661	210	33	“	"	PUNCT
hassl-3661	210	34	profitability	profitability	NOUN
hassl-3661	210	35	”	"	PUNCT
hassl-3661	210	36	and	and	CCONJ
hassl-3661	210	37	the	the	DET
hassl-3661	210	38	dependent	dependent	ADJ
hassl-3661	210	39	variable	variable	ADJ
hassl-3661	210	40	"	"	PUNCT
hassl-3661	210	41	lending	lending	NOUN
hassl-3661	210	42	"	"	PUNCT
hassl-3661	210	43	is	be	AUX
hassl-3661	210	44	0.205.the	0.205.the	DET
hassl-3661	210	45	model	model	NOUN
hassl-3661	210	46	's	's	PART
hassl-3661	210	47	coefficient	coefficient	NOUN
hassl-3661	210	48	of	of	ADP
hassl-3661	210	49	determination	determination	NOUN
hassl-3661	210	50	(	(	PUNCT
hassl-3661	210	51	r2	r2	PROPN
hassl-3661	210	52	)	)	PUNCT
hassl-3661	210	53	is	be	AUX
hassl-3661	210	54	0.21	0.21	NUM
hassl-3661	210	55	which	which	PRON
hassl-3661	210	56	means	mean	VERB
hassl-3661	210	57	that	that	SCONJ
hassl-3661	210	58	it	it	PRON
hassl-3661	210	59	can	can	AUX
hassl-3661	210	60	explain	explain	VERB
hassl-3661	210	61	21.4	21.4	NUM
hassl-3661	210	62	%	%	NOUN
hassl-3661	210	63	of	of	ADP
hassl-3661	210	64	the	the	DET
hassl-3661	210	65	variation	variation	NOUN
hassl-3661	210	66	in	in	ADP
hassl-3661	210	67	"	"	PUNCT
hassl-3661	210	68	profitability	profitability	NOUN
hassl-3661	210	69	,	,	PUNCT
hassl-3661	210	70	"	"	PUNCT
hassl-3661	210	71	with	with	ADP
hassl-3661	210	72	additional	additional	ADJ
hassl-3661	210	73	variables	variable	NOUN
hassl-3661	210	74	having	have	VERB
hassl-3661	210	75	to	to	PART
hassl-3661	210	76	explain	explain	VERB
hassl-3661	210	77	the	the	DET
hassl-3661	210	78	remaining	remain	VERB
hassl-3661	210	79	variance	variance	NOUN
hassl-3661	210	80	.	.	PUNCT
hassl-3661	211	1	furthermore	furthermore	ADV
hassl-3661	211	2	,	,	PUNCT
hassl-3661	211	3	table	table	NOUN
hassl-3661	211	4	6	6	NUM
hassl-3661	211	5	displays	display	VERB
hassl-3661	211	6	sig	sig	PRON
hassl-3661	211	7	values	value	NOUN
hassl-3661	211	8	of	of	ADP
hassl-3661	211	9	0.00	0.00	NUM
hassl-3661	211	10	indicating	indicate	VERB
hassl-3661	211	11	the	the	DET
hassl-3661	211	12	presence	presence	NOUN
hassl-3661	211	13	of	of	ADP
hassl-3661	211	14	a	a	DET
hassl-3661	211	15	statistically	statistically	ADV
hassl-3661	211	16	significant	significant	ADJ
hassl-3661	211	17	influence	influence	NOUN
hassl-3661	211	18	on	on	ADP
hassl-3661	211	19	"	"	PUNCT
hassl-3661	211	20	profitability	profitability	NOUN
hassl-3661	211	21	"	"	PUNCT
hassl-3661	211	22	and	and	CCONJ
hassl-3661	211	23	the	the	DET
hassl-3661	211	24	rejection	rejection	NOUN
hassl-3661	211	25	of	of	ADP
hassl-3661	211	26	the	the	DET
hassl-3661	211	27	null	null	ADJ
hassl-3661	211	28	hypothesis	hypothesis	NOUN
hassl-3661	211	29	for	for	ADP
hassl-3661	211	30	the	the	DET
hassl-3661	211	31	dimension	dimension	NOUN
hassl-3661	211	32	of	of	ADP
hassl-3661	211	33	"	"	PUNCT
hassl-3661	211	34	lending	lending	NOUN
hassl-3661	211	35	.	.	PUNCT
hassl-3661	211	36	"	"	PUNCT
hassl-3661	212	1	the	the	DET
hassl-3661	212	2	beta	beta	ADJ
hassl-3661	212	3	value	value	NOUN
hassl-3661	212	4	of	of	ADP
hassl-3661	212	5	the	the	DET
hassl-3661	212	6	table	table	NOUN
hassl-3661	212	7	is	be	AUX
hassl-3661	212	8	0	0	NUM
hassl-3661	212	9	.	.	NOUN
hassl-3661	212	10	205	205	NUM
hassl-3661	212	11	.	.	PUNCT
hassl-3661	212	12	table	table	NOUN
hassl-3661	212	13	6	6	NUM
hassl-3661	212	14	.	.	PUNCT
hassl-3661	213	1	simple	simple	ADJ
hassl-3661	213	2	linear	linear	ADJ
hassl-3661	213	3	regression	regression	NOUN
hassl-3661	213	4	for	for	ADP
hassl-3661	213	5	the	the	DET
hassl-3661	213	6	relationship	relationship	NOUN
hassl-3661	213	7	between	between	ADP
hassl-3661	213	8	lending	lending	NOUN
hassl-3661	213	9	and	and	CCONJ
hassl-3661	213	10	profitability	profitability	NOUN
hassl-3661	213	11	.	.	PUNCT
hassl-3661	214	1	element	element	NOUN
hassl-3661	214	2	b	b	PROPN
hassl-3661	214	3	std	std	PROPN
hassl-3661	214	4	.	.	NOUN
hassl-3661	214	5	error	error	NOUN
hassl-3661	214	6	beta	beta	PROPN
hassl-3661	214	7	t	t	PROPN
hassl-3661	214	8	sig	sig	PROPN
hassl-3661	214	9	.	.	PUNCT
hassl-3661	215	1	(	(	PUNCT
hassl-3661	215	2	constant	constant	ADJ
hassl-3661	215	3	)	)	PUNCT
hassl-3661	215	4	3.011	3.011	NUM
hassl-3661	215	5	0.105	0.105	NUM
hassl-3661	215	6	0.436	0.436	NUM
hassl-3661	215	7	28.811	28.811	NUM
hassl-3661	215	8	<	<	NOUN
hassl-3661	215	9	0.001	0.001	NUM
hassl-3661	215	10	lending	lending	NOUN
hassl-3661	215	11	0.185	0.185	NUM
hassl-3661	215	12	0.032	0.032	NUM
hassl-3661	215	13	0.205	0.205	NUM
hassl-3661	215	14	5.839	5.839	NUM
hassl-3661	215	15	<	<	NOUN
hassl-3661	215	16	0.001	0.001	NUM
hassl-3661	215	17	r²=	r²=	NOUN
hassl-3661	215	18	0.214	0.214	NOUN
hassl-3661	215	19	the	the	DET
hassl-3661	215	20	findings	finding	NOUN
hassl-3661	215	21	reveal	reveal	VERB
hassl-3661	215	22	a	a	DET
hassl-3661	215	23	statistically	statistically	ADV
hassl-3661	215	24	significant	significant	ADJ
hassl-3661	215	25	relationship	relationship	NOUN
hassl-3661	215	26	between	between	ADP
hassl-3661	215	27	profitability	profitability	NOUN
hassl-3661	215	28	and	and	CCONJ
hassl-3661	215	29	the	the	DET
hassl-3661	215	30	components	component	NOUN
hassl-3661	215	31	of	of	ADP
hassl-3661	215	32	financial	financial	ADJ
hassl-3661	215	33	technology	technology	NOUN
hassl-3661	215	34	adoption	adoption	NOUN
hassl-3661	215	35	namely	namely	ADV
hassl-3661	215	36	financing	financing	NOUN
hassl-3661	215	37	,	,	PUNCT
hassl-3661	215	38	money	money	NOUN
hassl-3661	215	39	transfers	transfer	NOUN
hassl-3661	215	40	,	,	PUNCT
hassl-3661	215	41	and	and	CCONJ
hassl-3661	215	42	lending	lending	NOUN
hassl-3661	215	43	.	.	PUNCT
hassl-3661	216	1	the	the	DET
hassl-3661	216	2	correlation	correlation	NOUN
hassl-3661	216	3	coefficient	coefficient	NOUN
hassl-3661	216	4	(	(	PUNCT
hassl-3661	216	5	r	r	NOUN
hassl-3661	216	6	)	)	PUNCT
hassl-3661	216	7	between	between	ADP
hassl-3661	216	8	profitability	profitability	NOUN
hassl-3661	216	9	and	and	CCONJ
hassl-3661	216	10	the	the	DET
hassl-3661	216	11	adoption	adoption	NOUN
hassl-3661	216	12	of	of	ADP
hassl-3661	216	13	financial	financial	ADJ
hassl-3661	216	14	technology	technology	NOUN
hassl-3661	216	15	is	be	AUX
hassl-3661	216	16	0.512	0.512	NUM
hassl-3661	216	17	indicating	indicate	VERB
hassl-3661	216	18	a	a	DET
hassl-3661	216	19	significant	significant	ADJ
hassl-3661	216	20	perception	perception	NOUN
hassl-3661	216	21	.	.	PUNCT
hassl-3661	217	1	the	the	DET
hassl-3661	217	2	coefficient	coefficient	NOUN
hassl-3661	217	3	of	of	ADP
hassl-3661	217	4	determination	determination	NOUN
hassl-3661	217	5	(	(	PUNCT
hassl-3661	217	6	r2	r2	PROPN
hassl-3661	217	7	)	)	PUNCT
hassl-3661	217	8	is	be	AUX
hassl-3661	217	9	0.262	0.262	NUM
hassl-3661	217	10	suggesting	suggest	VERB
hassl-3661	217	11	that	that	SCONJ
hassl-3661	217	12	adoption	adoption	NOUN
hassl-3661	217	13	of	of	ADP
hassl-3661	217	14	financial	financial	ADJ
hassl-3661	217	15	technology	technology	NOUN
hassl-3661	217	16	explains	explain	VERB
hassl-3661	217	17	26.2	26.2	NUM
hassl-3661	217	18	%	%	NOUN
hassl-3661	217	19	of	of	ADP
hassl-3661	217	20	the	the	DET
hassl-3661	217	21	variability	variability	NOUN
hassl-3661	217	22	in	in	ADP
hassl-3661	217	23	humanities	humanity	NOUN
hassl-3661	217	24	and	and	CCONJ
hassl-3661	217	25	social	social	ADJ
hassl-3661	217	26	sciences	science	NOUN
hassl-3661	217	27	letters	letter	NOUN
hassl-3661	217	28	,	,	PUNCT
hassl-3661	217	29	2024	2024	NUM
hassl-3661	217	30	,	,	PUNCT
hassl-3661	217	31	12(2	12(2	NUM
hassl-3661	217	32	):	):	PUNCT
hassl-3661	217	33	176	176	NUM
hassl-3661	217	34	-	-	SYM
hassl-3661	217	35	188	188	NUM
hassl-3661	217	36	184	184	NUM
hassl-3661	217	37	©	©	PROPN
hassl-3661	217	38	2024	2024	NUM
hassl-3661	217	39	conscientia	conscientia	PROPN
hassl-3661	217	40	beam	beam	PROPN
hassl-3661	217	41	.	.	PUNCT
hassl-3661	218	1	all	all	DET
hassl-3661	218	2	rights	right	NOUN
hassl-3661	218	3	reserved	reserve	VERB
hassl-3661	218	4	.	.	PUNCT
hassl-3661	219	1	profitability	profitability	NOUN
hassl-3661	219	2	.	.	PUNCT
hassl-3661	220	1	additionally	additionally	ADV
hassl-3661	220	2	,	,	PUNCT
hassl-3661	220	3	the	the	DET
hassl-3661	220	4	f	f	NOUN
hassl-3661	220	5	-	-	PUNCT
hassl-3661	220	6	value	value	NOUN
hassl-3661	220	7	is	be	AUX
hassl-3661	220	8	92.405	92.405	NUM
hassl-3661	220	9	with	with	ADP
hassl-3661	220	10	a	a	DET
hassl-3661	220	11	confidence	confidence	NOUN
hassl-3661	220	12	level	level	NOUN
hassl-3661	220	13	(	(	PUNCT
hassl-3661	220	14	sig	sig	NOUN
hassl-3661	220	15	)	)	PUNCT
hassl-3661	220	16	of	of	ADP
hassl-3661	220	17	0.001	0.001	NUM
hassl-3661	220	18	,	,	PUNCT
hassl-3661	220	19	signifying	signify	VERB
hassl-3661	220	20	strong	strong	ADJ
hassl-3661	220	21	statistical	statistical	ADJ
hassl-3661	220	22	significance	significance	NOUN
hassl-3661	220	23	.	.	PUNCT
hassl-3661	221	1	however	however	ADV
hassl-3661	221	2	,	,	PUNCT
hassl-3661	221	3	table	table	NOUN
hassl-3661	221	4	7	7	NUM
hassl-3661	221	5	illustrates	illustrate	VERB
hassl-3661	221	6	the	the	DET
hassl-3661	221	7	results	result	NOUN
hassl-3661	221	8	of	of	ADP
hassl-3661	221	9	a	a	DET
hassl-3661	221	10	multiple	multiple	ADJ
hassl-3661	221	11	linear	linear	ADJ
hassl-3661	221	12	regression	regression	NOUN
hassl-3661	221	13	analysis	analysis	NOUN
hassl-3661	221	14	and	and	CCONJ
hassl-3661	221	15	key	key	ADJ
hassl-3661	221	16	coefficients	coefficient	NOUN
hassl-3661	221	17	and	and	CCONJ
hassl-3661	221	18	statistics	statistic	NOUN
hassl-3661	221	19	for	for	ADP
hassl-3661	221	20	the	the	DET
hassl-3661	221	21	relationship	relationship	NOUN
hassl-3661	221	22	between	between	ADP
hassl-3661	221	23	the	the	DET
hassl-3661	221	24	adoption	adoption	NOUN
hassl-3661	221	25	of	of	ADP
hassl-3661	221	26	financial	financial	ADJ
hassl-3661	221	27	technology	technology	NOUN
hassl-3661	221	28	and	and	CCONJ
hassl-3661	221	29	profitability	profitability	NOUN
hassl-3661	221	30	.	.	PUNCT
hassl-3661	222	1	table	table	NOUN
hassl-3661	222	2	7	7	NUM
hassl-3661	222	3	.	.	PUNCT
hassl-3661	222	4	multiple	multiple	ADJ
hassl-3661	222	5	linear	linear	ADJ
hassl-3661	222	6	regressions	regression	NOUN
hassl-3661	222	7	for	for	ADP
hassl-3661	222	8	the	the	DET
hassl-3661	222	9	relationship	relationship	NOUN
hassl-3661	222	10	between	between	ADP
hassl-3661	222	11	adoption	adoption	NOUN
hassl-3661	222	12	of	of	ADP
hassl-3661	222	13	financial	financial	ADJ
hassl-3661	222	14	technology	technology	NOUN
hassl-3661	222	15	and	and	CCONJ
hassl-3661	222	16	profitability	profitability	NOUN
hassl-3661	222	17	.	.	PUNCT
hassl-3661	223	1	variable	variable	NOUN
hassl-3661	223	2	b	b	PROPN
hassl-3661	223	3	error	error	NOUN
hassl-3661	223	4	t	t	PROPN
hassl-3661	223	5	sig	sig	PROPN
hassl-3661	223	6	.	.	PUNCT
hassl-3661	224	1	t	t	PROPN
hassl-3661	224	2	*	*	PUNCT
hassl-3661	224	3	financing	financing	NOUN
hassl-3661	224	4	-0.293	-0.293	NUM
hassl-3661	224	5	0.042	0.042	NUM
hassl-3661	224	6	-6.937	-6.937	X
hassl-3661	224	7	<	<	X
hassl-3661	224	8	0.001	0.001	NUM
hassl-3661	224	9	money	money	NOUN
hassl-3661	224	10	transfers	transfer	NOUN
hassl-3661	224	11	0.585	0.585	NUM
hassl-3661	224	12	0.040	0.040	NUM
hassl-3661	224	13	14.720	14.720	NUM
hassl-3661	224	14	<	<	NOUN
hassl-3661	224	15	0.001	0.001	NUM
hassl-3661	224	16	lending	lending	NOUN
hassl-3661	224	17	0.073	0.073	NUM
hassl-3661	224	18	0.035	0.035	NUM
hassl-3661	224	19	2.124	2.124	NUM
hassl-3661	224	20	0.034	0.034	NUM
hassl-3661	224	21	r	r	NOUN
hassl-3661	224	22	=	=	PUNCT
hassl-3661	224	23	0.512	0.512	NUM
hassl-3661	224	24	r2	r2	NOUN
hassl-3661	224	25	=	=	PUNCT
hassl-3661	225	1	0.262	0.262	NUM
hassl-3661	225	2	f	f	X
hassl-3661	225	3	=	=	SYM
hassl-3661	225	4	92.405	92.405	NUM
hassl-3661	225	5	sig	sig	NOUN
hassl-3661	225	6	.	.	PUNCT
hassl-3661	226	1	f*=	f*=	PROPN
hassl-3661	226	2	0.001	0.001	NUM
hassl-3661	226	3	note	note	NOUN
hassl-3661	226	4	:	:	PUNCT
hassl-3661	226	5	*	*	PUNCT
hassl-3661	226	6	at	at	ADP
hassl-3661	226	7	a	a	DET
hassl-3661	226	8	significance	significance	NOUN
hassl-3661	226	9	level	level	NOUN
hassl-3661	226	10	of	of	ADP
hassl-3661	226	11	<	<	NOUN
hassl-3661	226	12	0.001	0.001	NUM
hassl-3661	226	13	.	.	PUNCT
hassl-3661	227	1	the	the	DET
hassl-3661	227	2	financing	financing	NOUN
hassl-3661	227	3	,	,	PUNCT
hassl-3661	227	4	money	money	NOUN
hassl-3661	227	5	transfer	transfer	NOUN
hassl-3661	227	6	and	and	CCONJ
hassl-3661	227	7	lending	lending	NOUN
hassl-3661	227	8	aspects	aspect	NOUN
hassl-3661	227	9	were	be	AUX
hassl-3661	227	10	found	find	VERB
hassl-3661	227	11	to	to	PART
hassl-3661	227	12	have	have	VERB
hassl-3661	227	13	a	a	DET
hassl-3661	227	14	statistically	statistically	ADV
hassl-3661	227	15	significant	significant	ADJ
hassl-3661	227	16	effect	effect	NOUN
hassl-3661	227	17	on	on	ADP
hassl-3661	227	18	profitability	profitability	NOUN
hassl-3661	227	19	at	at	ADP
hassl-3661	227	20	a	a	DET
hassl-3661	227	21	significance	significance	NOUN
hassl-3661	227	22	level	level	NOUN
hassl-3661	227	23	of	of	ADP
hassl-3661	227	24	0.05	0.05	NUM
hassl-3661	227	25	or	or	CCONJ
hassl-3661	227	26	below	below	ADV
hassl-3661	227	27	(	(	PUNCT
hassl-3661	227	28	α	α	DET
hassl-3661	227	29	≥	≥	NOUN
hassl-3661	227	30	0.05	0.05	NUM
hassl-3661	227	31	)	)	PUNCT
hassl-3661	227	32	in	in	ADP
hassl-3661	227	33	the	the	DET
hassl-3661	227	34	preceding	precede	VERB
hassl-3661	227	35	table	table	NOUN
hassl-3661	227	36	.	.	PUNCT
hassl-3661	228	1	the	the	DET
hassl-3661	228	2	corresponding	corresponding	ADJ
hassl-3661	228	3	beta	beta	ADJ
hassl-3661	228	4	values	value	NOUN
hassl-3661	228	5	(	(	PUNCT
hassl-3661	228	6	b	b	NOUN
hassl-3661	228	7	)	)	PUNCT
hassl-3661	228	8	were	be	AUX
hassl-3661	228	9	-0.293	-0.293	VERB
hassl-3661	228	10	,	,	PUNCT
hassl-3661	228	11	0.585	0.585	NUM
hassl-3661	228	12	,	,	PUNCT
hassl-3661	228	13	and	and	CCONJ
hassl-3661	228	14	0.073	0.073	NUM
hassl-3661	228	15	respectively	respectively	ADV
hassl-3661	228	16	.	.	PUNCT
hassl-3661	229	1	the	the	DET
hassl-3661	229	2	associated	associated	PROPN
hassl-3661	229	3	t	t	PROPN
hassl-3661	229	4	-	-	PUNCT
hassl-3661	229	5	values	value	NOUN
hassl-3661	229	6	were	be	AUX
hassl-3661	229	7	-6.937	-6.937	PUNCT
hassl-3661	229	8	,	,	PUNCT
hassl-3661	229	9	14.720	14.720	NUM
hassl-3661	229	10	and	and	CCONJ
hassl-3661	229	11	2.124	2.124	NUM
hassl-3661	229	12	.	.	PUNCT
hassl-3661	230	1	moreover	moreover	ADV
hassl-3661	230	2	,	,	PUNCT
hassl-3661	230	3	the	the	DET
hassl-3661	230	4	statistical	statistical	ADJ
hassl-3661	230	5	significance	significance	NOUN
hassl-3661	230	6	levels	level	NOUN
hassl-3661	230	7	for	for	ADP
hassl-3661	230	8	these	these	DET
hassl-3661	230	9	variables	variable	NOUN
hassl-3661	230	10	were	be	AUX
hassl-3661	230	11	0.001	0.001	NUM
hassl-3661	230	12	,	,	PUNCT
hassl-3661	230	13	0.001	0.001	NUM
hassl-3661	230	14	and	and	CCONJ
hassl-3661	230	15	0.034	0.034	NUM
hassl-3661	230	16	,	,	PUNCT
hassl-3661	230	17	all	all	PRON
hassl-3661	230	18	of	of	ADP
hassl-3661	230	19	which	which	PRON
hassl-3661	230	20	are	be	AUX
hassl-3661	230	21	below	below	ADP
hassl-3661	230	22	0.05	0.05	NUM
hassl-3661	230	23	indicating	indicate	VERB
hassl-3661	230	24	their	their	PRON
hassl-3661	230	25	significant	significant	ADJ
hassl-3661	230	26	influence	influence	NOUN
hassl-3661	230	27	on	on	ADP
hassl-3661	230	28	profitability	profitability	NOUN
hassl-3661	230	29	.	.	PUNCT
hassl-3661	231	1	5	5	X
hassl-3661	231	2	.	.	X
hassl-3661	231	3	discussion	discussion	NOUN
hassl-3661	231	4	and	and	CCONJ
hassl-3661	231	5	conclusion	conclusion	NOUN
hassl-3661	231	6	the	the	DET
hassl-3661	231	7	banking	banking	NOUN
hassl-3661	231	8	industry	industry	NOUN
hassl-3661	231	9	has	have	AUX
hassl-3661	231	10	experienced	experience	VERB
hassl-3661	231	11	significant	significant	ADJ
hassl-3661	231	12	transformations	transformation	NOUN
hassl-3661	231	13	in	in	ADP
hassl-3661	231	14	its	its	PRON
hassl-3661	231	15	operations	operation	NOUN
hassl-3661	231	16	and	and	CCONJ
hassl-3661	231	17	strategies	strategy	NOUN
hassl-3661	231	18	due	due	ADJ
hassl-3661	231	19	to	to	ADP
hassl-3661	231	20	the	the	DET
hassl-3661	231	21	consequential	consequential	ADJ
hassl-3661	231	22	presence	presence	NOUN
hassl-3661	231	23	of	of	ADP
hassl-3661	231	24	the	the	DET
hassl-3661	231	25	fintech	fintech	NOUN
hassl-3661	231	26	industry	industry	NOUN
hassl-3661	231	27	.	.	PUNCT
hassl-3661	232	1	recent	recent	ADJ
hassl-3661	232	2	economic	economic	ADJ
hassl-3661	232	3	events	event	NOUN
hassl-3661	232	4	such	such	ADJ
hassl-3661	232	5	as	as	ADP
hassl-3661	232	6	financial	financial	ADJ
hassl-3661	232	7	crises	crisis	NOUN
hassl-3661	232	8	have	have	AUX
hassl-3661	232	9	significantly	significantly	ADV
hassl-3661	232	10	affected	affect	VERB
hassl-3661	232	11	the	the	DET
hassl-3661	232	12	financial	financial	ADJ
hassl-3661	232	13	and	and	CCONJ
hassl-3661	232	14	banking	banking	NOUN
hassl-3661	232	15	sectors	sector	NOUN
hassl-3661	232	16	prompting	prompt	VERB
hassl-3661	232	17	banks	bank	NOUN
hassl-3661	232	18	to	to	PART
hassl-3661	232	19	reassess	reassess	VERB
hassl-3661	232	20	their	their	PRON
hassl-3661	232	21	financial	financial	ADJ
hassl-3661	232	22	performance	performance	NOUN
hassl-3661	232	23	in	in	ADP
hassl-3661	232	24	response	response	NOUN
hassl-3661	232	25	to	to	ADP
hassl-3661	232	26	various	various	ADJ
hassl-3661	232	27	developments	development	NOUN
hassl-3661	232	28	and	and	CCONJ
hassl-3661	232	29	threats	threat	NOUN
hassl-3661	232	30	.	.	PUNCT
hassl-3661	233	1	banks	bank	NOUN
hassl-3661	233	2	have	have	AUX
hassl-3661	233	3	implemented	implement	VERB
hassl-3661	233	4	financial	financial	ADJ
hassl-3661	233	5	technology	technology	NOUN
hassl-3661	233	6	solutions	solution	NOUN
hassl-3661	233	7	to	to	PART
hassl-3661	233	8	attain	attain	VERB
hassl-3661	233	9	financial	financial	ADJ
hassl-3661	233	10	inclusion	inclusion	NOUN
hassl-3661	233	11	and	and	CCONJ
hassl-3661	233	12	adjust	adjust	VERB
hassl-3661	233	13	to	to	ADP
hassl-3661	233	14	the	the	DET
hassl-3661	233	15	evolving	evolve	VERB
hassl-3661	233	16	market	market	NOUN
hassl-3661	233	17	(	(	PUNCT
hassl-3661	233	18	jarah	jarah	PROPN
hassl-3661	233	19	et	et	PROPN
hassl-3661	233	20	al	al	PROPN
hassl-3661	233	21	.	.	PROPN
hassl-3661	233	22	,	,	PUNCT
hassl-3661	233	23	2022	2022	NUM
hassl-3661	233	24	)	)	PUNCT
hassl-3661	233	25	.	.	PUNCT
hassl-3661	234	1	these	these	DET
hassl-3661	234	2	innovations	innovation	NOUN
hassl-3661	234	3	and	and	CCONJ
hassl-3661	234	4	advancements	advancement	NOUN
hassl-3661	234	5	have	have	AUX
hassl-3661	234	6	revolutionized	revolutionize	VERB
hassl-3661	234	7	the	the	DET
hassl-3661	234	8	financial	financial	ADJ
hassl-3661	234	9	services	service	NOUN
hassl-3661	234	10	industry	industry	NOUN
hassl-3661	234	11	leading	lead	VERB
hassl-3661	234	12	to	to	ADP
hassl-3661	234	13	continuous	continuous	ADJ
hassl-3661	234	14	development	development	NOUN
hassl-3661	234	15	and	and	CCONJ
hassl-3661	234	16	innovation	innovation	NOUN
hassl-3661	234	17	.	.	PUNCT
hassl-3661	235	1	the	the	DET
hassl-3661	235	2	core	core	NOUN
hassl-3661	235	3	functions	function	NOUN
hassl-3661	235	4	of	of	ADP
hassl-3661	235	5	the	the	DET
hassl-3661	235	6	banking	banking	NOUN
hassl-3661	235	7	system	system	NOUN
hassl-3661	235	8	such	such	ADJ
hassl-3661	235	9	as	as	ADP
hassl-3661	235	10	credit	credit	NOUN
hassl-3661	235	11	provision	provision	NOUN
hassl-3661	235	12	and	and	CCONJ
hassl-3661	235	13	wealth	wealth	NOUN
hassl-3661	235	14	management	management	NOUN
hassl-3661	235	15	have	have	AUX
hassl-3661	235	16	been	be	AUX
hassl-3661	235	17	influenced	influence	VERB
hassl-3661	235	18	by	by	ADP
hassl-3661	235	19	these	these	DET
hassl-3661	235	20	technological	technological	ADJ
hassl-3661	235	21	advancements	advancement	NOUN
hassl-3661	235	22	.	.	PUNCT
hassl-3661	236	1	furthermore	furthermore	ADV
hassl-3661	236	2	,	,	PUNCT
hassl-3661	236	3	this	this	DET
hassl-3661	236	4	study	study	NOUN
hassl-3661	236	5	focused	focus	VERB
hassl-3661	236	6	on	on	ADP
hassl-3661	236	7	analyzing	analyze	VERB
hassl-3661	236	8	the	the	DET
hassl-3661	236	9	primary	primary	ADJ
hassl-3661	236	10	fintech	fintech	NOUN
hassl-3661	236	11	solutions	solution	NOUN
hassl-3661	236	12	used	use	VERB
hassl-3661	236	13	by	by	ADP
hassl-3661	236	14	banks	bank	NOUN
hassl-3661	236	15	to	to	PART
hassl-3661	236	16	enhance	enhance	VERB
hassl-3661	236	17	their	their	PRON
hassl-3661	236	18	profitability	profitability	NOUN
hassl-3661	236	19	and	and	CCONJ
hassl-3661	236	20	position	position	NOUN
hassl-3661	236	21	as	as	ADV
hassl-3661	236	22	well	well	ADV
hassl-3661	236	23	as	as	ADP
hassl-3661	236	24	examining	examine	VERB
hassl-3661	236	25	the	the	DET
hassl-3661	236	26	genuine	genuine	ADJ
hassl-3661	236	27	impact	impact	NOUN
hassl-3661	236	28	of	of	ADP
hassl-3661	236	29	such	such	ADJ
hassl-3661	236	30	technologies	technology	NOUN
hassl-3661	236	31	on	on	ADP
hassl-3661	236	32	banks	bank	NOUN
hassl-3661	236	33	'	'	PART
hassl-3661	236	34	financial	financial	ADJ
hassl-3661	236	35	standing	standing	NOUN
hassl-3661	236	36	and	and	CCONJ
hassl-3661	236	37	performance	performance	NOUN
hassl-3661	236	38	.	.	PUNCT
hassl-3661	237	1	the	the	DET
hassl-3661	237	2	study	study	NOUN
hassl-3661	237	3	discusses	discuss	VERB
hassl-3661	237	4	the	the	DET
hassl-3661	237	5	following	follow	VERB
hassl-3661	237	6	hypotheses	hypothesis	NOUN
hassl-3661	237	7	:	:	PUNCT
hassl-3661	237	8	h1	h1	NOUN
hassl-3661	237	9	:	:	PUNCT
hassl-3661	237	10	the	the	DET
hassl-3661	237	11	study	study	NOUN
hassl-3661	237	12	challenges	challenge	VERB
hassl-3661	237	13	the	the	DET
hassl-3661	237	14	notion	notion	NOUN
hassl-3661	237	15	that	that	SCONJ
hassl-3661	237	16	financing	financing	NOUN
hassl-3661	237	17	does	do	AUX
hassl-3661	237	18	not	not	PART
hassl-3661	237	19	have	have	AUX
hassl-3661	237	20	a	a	DET
hassl-3661	237	21	statistically	statistically	ADV
hassl-3661	237	22	significant	significant	ADJ
hassl-3661	237	23	impact	impact	NOUN
hassl-3661	237	24	on	on	ADP
hassl-3661	237	25	profitability	profitability	NOUN
hassl-3661	237	26	.	.	PUNCT
hassl-3661	238	1	the	the	DET
hassl-3661	238	2	findings	finding	NOUN
hassl-3661	238	3	demonstrate	demonstrate	VERB
hassl-3661	238	4	a	a	DET
hassl-3661	238	5	statistically	statistically	ADV
hassl-3661	238	6	meaningful	meaningful	ADJ
hassl-3661	238	7	relationship	relationship	NOUN
hassl-3661	238	8	between	between	ADP
hassl-3661	238	9	financing	financing	NOUN
hassl-3661	238	10	and	and	CCONJ
hassl-3661	238	11	profitability	profitability	NOUN
hassl-3661	238	12	.	.	PUNCT
hassl-3661	239	1	it	it	PRON
hassl-3661	239	2	is	be	AUX
hassl-3661	239	3	widely	widely	ADV
hassl-3661	239	4	acknowledged	acknowledge	VERB
hassl-3661	239	5	that	that	SCONJ
hassl-3661	239	6	financial	financial	ADJ
hassl-3661	239	7	factors	factor	NOUN
hassl-3661	239	8	significantly	significantly	ADV
hassl-3661	239	9	influence	influence	VERB
hassl-3661	239	10	company	company	NOUN
hassl-3661	239	11	outcomes	outcome	NOUN
hassl-3661	239	12	.	.	PUNCT
hassl-3661	240	1	various	various	ADJ
hassl-3661	240	2	crucial	crucial	ADJ
hassl-3661	240	3	factors	factor	NOUN
hassl-3661	240	4	such	such	ADJ
hassl-3661	240	5	as	as	ADP
hassl-3661	240	6	a	a	DET
hassl-3661	240	7	firm	firm	NOUN
hassl-3661	240	8	's	's	PART
hassl-3661	240	9	financial	financial	ADJ
hassl-3661	240	10	health	health	NOUN
hassl-3661	240	11	have	have	VERB
hassl-3661	240	12	a	a	DET
hassl-3661	240	13	substantial	substantial	ADJ
hassl-3661	240	14	impact	impact	NOUN
hassl-3661	240	15	on	on	ADP
hassl-3661	240	16	its	its	PRON
hassl-3661	240	17	profitability	profitability	NOUN
hassl-3661	240	18	(	(	PUNCT
hassl-3661	240	19	murniati	murniati	PROPN
hassl-3661	240	20	,	,	PUNCT
hassl-3661	240	21	mus	mus	PROPN
hassl-3661	240	22	,	,	PUNCT
hassl-3661	240	23	semmaila	semmaila	PROPN
hassl-3661	240	24	,	,	PUNCT
hassl-3661	240	25	&	&	CCONJ
hassl-3661	240	26	nur	nur	PROPN
hassl-3661	240	27	,	,	PUNCT
hassl-3661	240	28	2019	2019	NUM
hassl-3661	240	29	)	)	PUNCT
hassl-3661	240	30	.	.	PUNCT
hassl-3661	241	1	effective	effective	ADJ
hassl-3661	241	2	financial	financial	ADJ
hassl-3661	241	3	management	management	NOUN
hassl-3661	241	4	techniques	technique	NOUN
hassl-3661	241	5	,	,	PUNCT
hassl-3661	241	6	including	include	VERB
hassl-3661	241	7	budgeting	budgeting	NOUN
hassl-3661	241	8	,	,	PUNCT
hassl-3661	241	9	cost	cost	NOUN
hassl-3661	241	10	control	control	NOUN
hassl-3661	241	11	and	and	CCONJ
hassl-3661	241	12	cash	cash	NOUN
hassl-3661	241	13	flow	flow	NOUN
hassl-3661	241	14	management	management	NOUN
hassl-3661	241	15	are	be	AUX
hassl-3661	241	16	crucial	crucial	ADJ
hassl-3661	241	17	to	to	ADP
hassl-3661	241	18	ensuring	ensure	VERB
hassl-3661	241	19	profitability	profitability	NOUN
hassl-3661	241	20	(	(	PUNCT
hassl-3661	241	21	syafrizal	syafrizal	ADJ
hassl-3661	241	22	,	,	PUNCT
hassl-3661	241	23	ilham	ilham	PROPN
hassl-3661	241	24	,	,	PUNCT
hassl-3661	241	25	&	&	CCONJ
hassl-3661	241	26	muchtar	muchtar	NOUN
hassl-3661	241	27	,	,	PUNCT
hassl-3661	241	28	2023	2023	NUM
hassl-3661	241	29	)	)	PUNCT
hassl-3661	241	30	.	.	PUNCT
hassl-3661	242	1	effective	effective	ADJ
hassl-3661	242	2	budgeting	budgeting	NOUN
hassl-3661	242	3	facilitates	facilitate	VERB
hassl-3661	242	4	resource	resource	NOUN
hassl-3661	242	5	allocation	allocation	NOUN
hassl-3661	242	6	,	,	PUNCT
hassl-3661	242	7	cost	cost	NOUN
hassl-3661	242	8	control	control	NOUN
hassl-3661	242	9	and	and	CCONJ
hassl-3661	242	10	the	the	DET
hassl-3661	242	11	identification	identification	NOUN
hassl-3661	242	12	of	of	ADP
hassl-3661	242	13	potential	potential	ADJ
hassl-3661	242	14	cost	cost	NOUN
hassl-3661	242	15	-	-	PUNCT
hassl-3661	242	16	saving	save	VERB
hassl-3661	242	17	opportunities	opportunity	NOUN
hassl-3661	242	18	.	.	PUNCT
hassl-3661	243	1	meanwhile	meanwhile	ADV
hassl-3661	243	2	,	,	PUNCT
hassl-3661	243	3	effective	effective	ADJ
hassl-3661	243	4	cash	cash	NOUN
hassl-3661	243	5	flow	flow	NOUN
hassl-3661	243	6	management	management	NOUN
hassl-3661	243	7	ensures	ensure	VERB
hassl-3661	243	8	a	a	DET
hassl-3661	243	9	company	company	NOUN
hassl-3661	243	10	's	's	PART
hassl-3661	243	11	ability	ability	NOUN
hassl-3661	243	12	to	to	PART
hassl-3661	243	13	meet	meet	VERB
hassl-3661	243	14	financial	financial	ADJ
hassl-3661	243	15	obligations	obligation	NOUN
hassl-3661	243	16	and	and	CCONJ
hassl-3661	243	17	avoid	avoid	VERB
hassl-3661	243	18	cash	cash	NOUN
hassl-3661	243	19	flow	flow	NOUN
hassl-3661	243	20	issues	issue	NOUN
hassl-3661	243	21	that	that	PRON
hassl-3661	243	22	could	could	AUX
hassl-3661	243	23	harm	harm	VERB
hassl-3661	243	24	profitability	profitability	NOUN
hassl-3661	243	25	.	.	PUNCT
hassl-3661	244	1	these	these	DET
hassl-3661	244	2	findings	finding	NOUN
hassl-3661	244	3	align	align	VERB
hassl-3661	244	4	with	with	ADP
hassl-3661	244	5	murniati	murniati	PROPN
hassl-3661	244	6	et	et	PROPN
hassl-3661	244	7	al	al	PROPN
hassl-3661	244	8	.	.	PROPN
hassl-3661	245	1	(	(	PUNCT
hassl-3661	245	2	2019	2019	NUM
hassl-3661	245	3	)	)	PUNCT
hassl-3661	246	1	but	but	CCONJ
hassl-3661	246	2	differ	differ	VERB
hassl-3661	246	3	from	from	ADP
hassl-3661	246	4	the	the	DET
hassl-3661	246	5	purbaningsih	purbaningsih	NOUN
hassl-3661	246	6	and	and	CCONJ
hassl-3661	246	7	fatimah	fatimah	PROPN
hassl-3661	246	8	(	(	PUNCT
hassl-3661	246	9	2014	2014	NUM
hassl-3661	246	10	)	)	PUNCT
hassl-3661	246	11	study	study	NOUN
hassl-3661	246	12	.	.	PUNCT
hassl-3661	247	1	additionally	additionally	ADV
hassl-3661	247	2	,	,	PUNCT
hassl-3661	247	3	afkar	afkar	PROPN
hassl-3661	247	4	's	's	PART
hassl-3661	247	5	(	(	PUNCT
hassl-3661	247	6	2017	2017	NUM
hassl-3661	247	7	)	)	PUNCT
hassl-3661	247	8	study	study	NOUN
hassl-3661	247	9	found	find	VERB
hassl-3661	247	10	that	that	SCONJ
hassl-3661	247	11	mudarabah	mudarabah	NOUN
hassl-3661	247	12	financing	financing	NOUN
hassl-3661	247	13	had	have	VERB
hassl-3661	247	14	no	no	DET
hassl-3661	247	15	significant	significant	ADJ
hassl-3661	247	16	impact	impact	NOUN
hassl-3661	247	17	on	on	ADP
hassl-3661	247	18	profitability	profitability	NOUN
hassl-3661	247	19	whereas	whereas	SCONJ
hassl-3661	247	20	ward	ward	NOUN
hassl-3661	247	21	financing	financing	NOUN
hassl-3661	247	22	did	do	VERB
hassl-3661	247	23	.	.	PUNCT
hassl-3661	248	1	h2	h2	PROPN
hassl-3661	248	2	:	:	PUNCT
hassl-3661	248	3	the	the	DET
hassl-3661	248	4	study	study	NOUN
hassl-3661	248	5	challenges	challenge	VERB
hassl-3661	248	6	the	the	DET
hassl-3661	248	7	notion	notion	NOUN
hassl-3661	248	8	that	that	SCONJ
hassl-3661	248	9	money	money	NOUN
hassl-3661	248	10	transfer	transfer	NOUN
hassl-3661	248	11	does	do	AUX
hassl-3661	248	12	not	not	PART
hassl-3661	248	13	have	have	AUX
hassl-3661	248	14	a	a	DET
hassl-3661	248	15	statistically	statistically	ADV
hassl-3661	248	16	significant	significant	ADJ
hassl-3661	248	17	effect	effect	NOUN
hassl-3661	248	18	on	on	ADP
hassl-3661	248	19	profitability	profitability	NOUN
hassl-3661	248	20	.	.	PUNCT
hassl-3661	249	1	the	the	DET
hassl-3661	249	2	research	research	NOUN
hassl-3661	249	3	findings	finding	NOUN
hassl-3661	249	4	indicate	indicate	VERB
hassl-3661	249	5	a	a	DET
hassl-3661	249	6	statistically	statistically	ADV
hassl-3661	249	7	significant	significant	ADJ
hassl-3661	249	8	impact	impact	NOUN
hassl-3661	249	9	of	of	ADP
hassl-3661	249	10	money	money	NOUN
hassl-3661	249	11	transfer	transfer	NOUN
hassl-3661	249	12	on	on	ADP
hassl-3661	249	13	profitability	profitability	NOUN
hassl-3661	249	14	.	.	PUNCT
hassl-3661	250	1	the	the	DET
hassl-3661	250	2	processes	process	NOUN
hassl-3661	250	3	involved	involve	VERB
hassl-3661	250	4	in	in	ADP
hassl-3661	250	5	money	money	NOUN
hassl-3661	250	6	transfers	transfer	NOUN
hassl-3661	250	7	can	can	AUX
hassl-3661	250	8	directly	directly	ADV
hassl-3661	250	9	or	or	CCONJ
hassl-3661	250	10	indirectly	indirectly	ADV
hassl-3661	250	11	influence	influence	VERB
hassl-3661	250	12	a	a	DET
hassl-3661	250	13	company	company	NOUN
hassl-3661	250	14	's	's	PART
hassl-3661	250	15	profitability	profitability	NOUN
hassl-3661	250	16	.	.	PUNCT
hassl-3661	251	1	factors	factor	NOUN
hassl-3661	251	2	such	such	ADJ
hassl-3661	251	3	as	as	ADP
hassl-3661	251	4	cost	cost	NOUN
hassl-3661	251	5	,	,	PUNCT
hassl-3661	251	6	convenience	convenience	NOUN
hassl-3661	251	7	,	,	PUNCT
hassl-3661	251	8	reliability	reliability	NOUN
hassl-3661	251	9	,	,	PUNCT
hassl-3661	251	10	security	security	NOUN
hassl-3661	251	11	,	,	PUNCT
hassl-3661	251	12	accessibility	accessibility	NOUN
hassl-3661	251	13	and	and	CCONJ
hassl-3661	251	14	the	the	DET
hassl-3661	251	15	global	global	ADJ
hassl-3661	251	16	capabilities	capability	NOUN
hassl-3661	251	17	of	of	ADP
hassl-3661	251	18	remittances	remittance	NOUN
hassl-3661	251	19	all	all	PRON
hassl-3661	251	20	affect	affect	VERB
hassl-3661	251	21	profitability	profitability	NOUN
hassl-3661	251	22	humanities	humanity	NOUN
hassl-3661	251	23	and	and	CCONJ
hassl-3661	251	24	social	social	ADJ
hassl-3661	251	25	sciences	science	NOUN
hassl-3661	251	26	letters	letter	NOUN
hassl-3661	251	27	,	,	PUNCT
hassl-3661	251	28	2024	2024	NUM
hassl-3661	251	29	,	,	PUNCT
hassl-3661	251	30	12(2	12(2	NUM
hassl-3661	251	31	):	):	PUNCT
hassl-3661	251	32	176	176	NUM
hassl-3661	251	33	-	-	SYM
hassl-3661	251	34	188	188	NUM
hassl-3661	251	35	185	185	NUM
hassl-3661	251	36	©	©	PROPN
hassl-3661	251	37	2024	2024	NUM
hassl-3661	251	38	conscientia	conscientia	PROPN
hassl-3661	251	39	beam	beam	PROPN
hassl-3661	251	40	.	.	PUNCT
hassl-3661	252	1	all	all	DET
hassl-3661	252	2	rights	right	NOUN
hassl-3661	252	3	reserved	reserve	VERB
hassl-3661	252	4	.	.	PUNCT
hassl-3661	253	1	(	(	PUNCT
hassl-3661	253	2	otiso	otiso	PROPN
hassl-3661	253	3	,	,	PUNCT
hassl-3661	253	4	simiyu	simiyu	NOUN
hassl-3661	253	5	,	,	PUNCT
hassl-3661	253	6	&	&	CCONJ
hassl-3661	253	7	odhiambo	odhiambo	ADJ
hassl-3661	253	8	,	,	PUNCT
hassl-3661	253	9	2013	2013	NUM
hassl-3661	253	10	)	)	PUNCT
hassl-3661	253	11	.	.	PUNCT
hassl-3661	254	1	addressing	address	VERB
hassl-3661	254	2	these	these	DET
hassl-3661	254	3	aspects	aspect	NOUN
hassl-3661	254	4	enables	enable	VERB
hassl-3661	254	5	companies	company	NOUN
hassl-3661	254	6	to	to	PART
hassl-3661	254	7	enhance	enhance	VERB
hassl-3661	254	8	profitability	profitability	NOUN
hassl-3661	254	9	,	,	PUNCT
hassl-3661	254	10	streamline	streamline	VERB
hassl-3661	254	11	operations	operation	NOUN
hassl-3661	254	12	and	and	CCONJ
hassl-3661	254	13	provide	provide	VERB
hassl-3661	254	14	customers	customer	NOUN
hassl-3661	254	15	with	with	ADP
hassl-3661	254	16	a	a	DET
hassl-3661	254	17	satisfactory	satisfactory	ADJ
hassl-3661	254	18	money	money	NOUN
hassl-3661	254	19	transfer	transfer	NOUN
hassl-3661	254	20	experience	experience	NOUN
hassl-3661	254	21	.	.	PUNCT
hassl-3661	255	1	this	this	DET
hassl-3661	255	2	finding	finding	NOUN
hassl-3661	255	3	is	be	AUX
hassl-3661	255	4	consistent	consistent	ADJ
hassl-3661	255	5	with	with	ADP
hassl-3661	255	6	studies	study	NOUN
hassl-3661	255	7	conducted	conduct	VERB
hassl-3661	255	8	by	by	ADP
hassl-3661	255	9	otiso	otiso	PROPN
hassl-3661	255	10	et	et	PROPN
hassl-3661	255	11	al	al	PROPN
hassl-3661	255	12	.	.	PROPN
hassl-3661	256	1	(	(	PUNCT
hassl-3661	256	2	2013	2013	NUM
hassl-3661	256	3	)	)	PUNCT
hassl-3661	256	4	and	and	CCONJ
hassl-3661	256	5	otilah	otilah	ADJ
hassl-3661	256	6	,	,	PUNCT
hassl-3661	256	7	nyagol	nyagol	NOUN
hassl-3661	256	8	,	,	PUNCT
hassl-3661	256	9	and	and	CCONJ
hassl-3661	256	10	koech	koech	NOUN
hassl-3661	256	11	(	(	PUNCT
hassl-3661	256	12	2019	2019	NUM
hassl-3661	256	13	)	)	PUNCT
hassl-3661	256	14	.	.	PUNCT
hassl-3661	257	1	h3	h3	NOUN
hassl-3661	257	2	:	:	PUNCT
hassl-3661	257	3	the	the	DET
hassl-3661	257	4	study	study	NOUN
hassl-3661	257	5	challenges	challenge	VERB
hassl-3661	257	6	the	the	DET
hassl-3661	257	7	notion	notion	NOUN
hassl-3661	257	8	that	that	SCONJ
hassl-3661	257	9	lending	lending	NOUN
hassl-3661	257	10	does	do	AUX
hassl-3661	257	11	not	not	PART
hassl-3661	257	12	have	have	AUX
hassl-3661	257	13	a	a	DET
hassl-3661	257	14	statistically	statistically	ADV
hassl-3661	257	15	significant	significant	ADJ
hassl-3661	257	16	effect	effect	NOUN
hassl-3661	257	17	on	on	ADP
hassl-3661	257	18	profitability	profitability	NOUN
hassl-3661	257	19	.	.	PUNCT
hassl-3661	258	1	the	the	DET
hassl-3661	258	2	research	research	NOUN
hassl-3661	258	3	findings	finding	NOUN
hassl-3661	258	4	indicate	indicate	VERB
hassl-3661	258	5	a	a	DET
hassl-3661	258	6	statistically	statistically	ADV
hassl-3661	258	7	significant	significant	ADJ
hassl-3661	258	8	impact	impact	NOUN
hassl-3661	258	9	of	of	ADP
hassl-3661	258	10	lending	lend	VERB
hassl-3661	258	11	on	on	ADP
hassl-3661	258	12	profitability	profitability	NOUN
hassl-3661	258	13	.	.	PUNCT
hassl-3661	259	1	issues	issue	NOUN
hassl-3661	259	2	related	relate	VERB
hassl-3661	259	3	to	to	ADP
hassl-3661	259	4	lending	lending	NOUN
hassl-3661	259	5	,	,	PUNCT
hassl-3661	259	6	such	such	ADJ
hassl-3661	259	7	as	as	ADP
hassl-3661	259	8	obtaining	obtain	VERB
hassl-3661	259	9	loans	loan	NOUN
hassl-3661	259	10	from	from	ADP
hassl-3661	259	11	banks	bank	NOUN
hassl-3661	259	12	or	or	CCONJ
hassl-3661	259	13	private	private	ADJ
hassl-3661	259	14	lenders	lender	NOUN
hassl-3661	259	15	can	can	AUX
hassl-3661	259	16	significantly	significantly	ADV
hassl-3661	259	17	influence	influence	VERB
hassl-3661	259	18	a	a	DET
hassl-3661	259	19	company	company	NOUN
hassl-3661	259	20	's	's	PART
hassl-3661	259	21	profitability	profitability	NOUN
hassl-3661	259	22	(	(	PUNCT
hassl-3661	259	23	philip	philip	PROPN
hassl-3661	259	24	&	&	CCONJ
hassl-3661	259	25	prasad	prasad	PROPN
hassl-3661	259	26	,	,	PUNCT
hassl-3661	259	27	2023	2023	NUM
hassl-3661	259	28	)	)	PUNCT
hassl-3661	259	29	.	.	PUNCT
hassl-3661	260	1	considerations	consideration	NOUN
hassl-3661	260	2	such	such	ADJ
hassl-3661	260	3	as	as	ADP
hassl-3661	260	4	borrowing	borrowing	NOUN
hassl-3661	260	5	costs	cost	NOUN
hassl-3661	260	6	,	,	PUNCT
hassl-3661	260	7	the	the	DET
hassl-3661	260	8	amount	amount	NOUN
hassl-3661	260	9	and	and	CCONJ
hassl-3661	260	10	terms	term	NOUN
hassl-3661	260	11	of	of	ADP
hassl-3661	260	12	borrowed	borrow	VERB
hassl-3661	260	13	funds	fund	NOUN
hassl-3661	260	14	,	,	PUNCT
hassl-3661	260	15	effective	effective	ADJ
hassl-3661	260	16	utilization	utilization	NOUN
hassl-3661	260	17	of	of	ADP
hassl-3661	260	18	funds	fund	NOUN
hassl-3661	260	19	,	,	PUNCT
hassl-3661	260	20	associated	associate	VERB
hassl-3661	260	21	risks	risk	NOUN
hassl-3661	260	22	and	and	CCONJ
hassl-3661	260	23	the	the	DET
hassl-3661	260	24	long	long	ADJ
hassl-3661	260	25	-	-	PUNCT
hassl-3661	260	26	term	term	NOUN
hassl-3661	260	27	financial	financial	ADJ
hassl-3661	260	28	health	health	NOUN
hassl-3661	260	29	of	of	ADP
hassl-3661	260	30	the	the	DET
hassl-3661	260	31	company	company	NOUN
hassl-3661	260	32	are	be	AUX
hassl-3661	260	33	critical	critical	ADJ
hassl-3661	260	34	(	(	PUNCT
hassl-3661	260	35	marsh	marsh	PROPN
hassl-3661	260	36	&	&	CCONJ
hassl-3661	260	37	sharma	sharma	PROPN
hassl-3661	260	38	,	,	PUNCT
hassl-3661	260	39	2021	2021	NUM
hassl-3661	260	40	)	)	PUNCT
hassl-3661	260	41	.	.	PUNCT
hassl-3661	261	1	companies	company	NOUN
hassl-3661	261	2	can	can	AUX
hassl-3661	261	3	improve	improve	VERB
hassl-3661	261	4	their	their	PRON
hassl-3661	261	5	borrowing	borrowing	NOUN
hassl-3661	261	6	practices	practice	NOUN
hassl-3661	261	7	,	,	PUNCT
hassl-3661	261	8	maintain	maintain	VERB
hassl-3661	261	9	strong	strong	ADJ
hassl-3661	261	10	profit	profit	NOUN
hassl-3661	261	11	margins	margin	NOUN
hassl-3661	261	12	and	and	CCONJ
hassl-3661	261	13	enhance	enhance	VERB
hassl-3661	261	14	overall	overall	ADJ
hassl-3661	261	15	profitability	profitability	NOUN
hassl-3661	261	16	by	by	ADP
hassl-3661	261	17	effectively	effectively	ADV
hassl-3661	261	18	managing	manage	VERB
hassl-3661	261	19	these	these	DET
hassl-3661	261	20	factors	factor	NOUN
hassl-3661	261	21	.	.	PUNCT
hassl-3661	262	1	this	this	DET
hassl-3661	262	2	finding	finding	NOUN
hassl-3661	262	3	is	be	AUX
hassl-3661	262	4	consistent	consistent	ADJ
hassl-3661	262	5	with	with	ADP
hassl-3661	262	6	studies	study	NOUN
hassl-3661	262	7	conducted	conduct	VERB
hassl-3661	262	8	by	by	ADP
hassl-3661	262	9	marsh	marsh	PROPN
hassl-3661	262	10	and	and	CCONJ
hassl-3661	262	11	sharma	sharma	PROPN
hassl-3661	262	12	(	(	PUNCT
hassl-3661	262	13	2021	2021	NUM
hassl-3661	262	14	)	)	PUNCT
hassl-3661	262	15	.	.	PUNCT
hassl-3661	263	1	6	6	X
hassl-3661	263	2	.	.	X
hassl-3661	263	3	implications	implication	NOUN
hassl-3661	263	4	the	the	DET
hassl-3661	263	5	role	role	NOUN
hassl-3661	263	6	of	of	ADP
hassl-3661	263	7	financial	financial	ADJ
hassl-3661	263	8	technology	technology	NOUN
hassl-3661	263	9	in	in	ADP
hassl-3661	263	10	improving	improve	VERB
hassl-3661	263	11	profitability	profitability	NOUN
hassl-3661	263	12	in	in	ADP
hassl-3661	263	13	jordanian	jordanian	ADJ
hassl-3661	263	14	commercial	commercial	ADJ
hassl-3661	263	15	banks	bank	NOUN
hassl-3661	263	16	was	be	AUX
hassl-3661	263	17	underlined	underline	VERB
hassl-3661	263	18	in	in	ADP
hassl-3661	263	19	this	this	DET
hassl-3661	263	20	study	study	NOUN
hassl-3661	263	21	.	.	PUNCT
hassl-3661	264	1	this	this	DET
hassl-3661	264	2	study	study	NOUN
hassl-3661	264	3	also	also	ADV
hassl-3661	264	4	contributed	contribute	VERB
hassl-3661	264	5	to	to	ADP
hassl-3661	264	6	the	the	DET
hassl-3661	264	7	growth	growth	NOUN
hassl-3661	264	8	of	of	ADP
hassl-3661	264	9	a	a	DET
hassl-3661	264	10	new	new	ADJ
hassl-3661	264	11	model	model	NOUN
hassl-3661	264	12	that	that	PRON
hassl-3661	264	13	connects	connect	VERB
hassl-3661	264	14	financial	financial	ADJ
hassl-3661	264	15	technology	technology	NOUN
hassl-3661	264	16	and	and	CCONJ
hassl-3661	264	17	profitability	profitability	NOUN
hassl-3661	264	18	through	through	ADP
hassl-3661	264	19	financing	financing	NOUN
hassl-3661	264	20	,	,	PUNCT
hassl-3661	264	21	money	money	NOUN
hassl-3661	264	22	transfers	transfer	NOUN
hassl-3661	264	23	and	and	CCONJ
hassl-3661	264	24	lending	lending	NOUN
hassl-3661	264	25	and	and	CCONJ
hassl-3661	264	26	it	it	PRON
hassl-3661	264	27	added	add	VERB
hassl-3661	264	28	many	many	ADJ
hassl-3661	264	29	topics	topic	NOUN
hassl-3661	264	30	related	relate	VERB
hassl-3661	264	31	to	to	ADP
hassl-3661	264	32	financial	financial	ADJ
hassl-3661	264	33	technology	technology	NOUN
hassl-3661	264	34	in	in	ADP
hassl-3661	264	35	raising	raise	VERB
hassl-3661	264	36	profitability	profitability	NOUN
hassl-3661	264	37	in	in	ADP
hassl-3661	264	38	jordanian	jordanian	ADJ
hassl-3661	264	39	commercial	commercial	ADJ
hassl-3661	264	40	banks	bank	NOUN
hassl-3661	264	41	.	.	PUNCT
hassl-3661	265	1	7	7	X
hassl-3661	265	2	.	.	NUM
hassl-3661	265	3	limitations	limitation	NOUN
hassl-3661	265	4	and	and	CCONJ
hassl-3661	265	5	future	future	ADJ
hassl-3661	265	6	research	research	NOUN
hassl-3661	265	7	the	the	DET
hassl-3661	265	8	study	study	NOUN
hassl-3661	265	9	's	's	PART
hassl-3661	265	10	goals	goal	NOUN
hassl-3661	265	11	have	have	AUX
hassl-3661	265	12	been	be	AUX
hassl-3661	265	13	effectively	effectively	ADV
hassl-3661	265	14	fulfilled	fulfil	VERB
hassl-3661	265	15	but	but	CCONJ
hassl-3661	265	16	it	it	PRON
hassl-3661	265	17	is	be	AUX
hassl-3661	265	18	still	still	ADV
hassl-3661	265	19	an	an	DET
hassl-3661	265	20	appropriate	appropriate	ADJ
hassl-3661	265	21	decision	decision	NOUN
hassl-3661	265	22	to	to	PART
hassl-3661	265	23	take	take	VERB
hassl-3661	265	24	into	into	ADP
hassl-3661	265	25	account	account	NOUN
hassl-3661	265	26	other	other	ADJ
hassl-3661	265	27	aspects	aspect	NOUN
hassl-3661	265	28	that	that	PRON
hassl-3661	265	29	might	might	AUX
hassl-3661	265	30	provide	provide	VERB
hassl-3661	265	31	additional	additional	ADJ
hassl-3661	265	32	information	information	NOUN
hassl-3661	265	33	on	on	ADP
hassl-3661	265	34	the	the	DET
hassl-3661	265	35	ways	way	NOUN
hassl-3661	265	36	in	in	ADP
hassl-3661	265	37	which	which	PRON
hassl-3661	265	38	financial	financial	ADJ
hassl-3661	265	39	technology	technology	NOUN
hassl-3661	265	40	boosts	boost	VERB
hassl-3661	265	41	bank	bank	NOUN
hassl-3661	265	42	profits	profit	NOUN
hassl-3661	265	43	.	.	PUNCT
hassl-3661	266	1	similarly	similarly	ADV
hassl-3661	266	2	,	,	PUNCT
hassl-3661	266	3	incorporating	incorporate	VERB
hassl-3661	266	4	larger	large	ADJ
hassl-3661	266	5	sample	sample	NOUN
hassl-3661	266	6	sizes	size	NOUN
hassl-3661	266	7	in	in	ADP
hassl-3661	266	8	subsequent	subsequent	ADJ
hassl-3661	266	9	studies	study	NOUN
hassl-3661	266	10	will	will	AUX
hassl-3661	266	11	improve	improve	VERB
hassl-3661	266	12	the	the	DET
hassl-3661	266	13	reliability	reliability	NOUN
hassl-3661	266	14	and	and	CCONJ
hassl-3661	266	15	validity	validity	NOUN
hassl-3661	266	16	of	of	ADP
hassl-3661	266	17	the	the	DET
hassl-3661	266	18	findings	finding	NOUN
hassl-3661	266	19	.	.	PUNCT
hassl-3661	267	1	the	the	DET
hassl-3661	267	2	current	current	ADJ
hassl-3661	267	3	research	research	NOUN
hassl-3661	267	4	focuses	focus	VERB
hassl-3661	267	5	on	on	ADP
hassl-3661	267	6	three	three	NUM
hassl-3661	267	7	areas	area	NOUN
hassl-3661	267	8	of	of	ADP
hassl-3661	267	9	financial	financial	ADJ
hassl-3661	267	10	technology	technology	NOUN
hassl-3661	267	11	(	(	PUNCT
hassl-3661	267	12	financing	financing	NOUN
hassl-3661	267	13	,	,	PUNCT
hassl-3661	267	14	money	money	NOUN
hassl-3661	267	15	transfers	transfer	NOUN
hassl-3661	267	16	and	and	CCONJ
hassl-3661	267	17	lending	lending	NOUN
hassl-3661	267	18	)	)	PUNCT
hassl-3661	267	19	.	.	PUNCT
hassl-3661	268	1	the	the	DET
hassl-3661	268	2	current	current	ADJ
hassl-3661	268	3	study	study	NOUN
hassl-3661	268	4	suggests	suggest	VERB
hassl-3661	268	5	that	that	SCONJ
hassl-3661	268	6	banks	bank	NOUN
hassl-3661	268	7	should	should	AUX
hassl-3661	268	8	make	make	VERB
hassl-3661	268	9	full	full	ADJ
hassl-3661	268	10	use	use	NOUN
hassl-3661	268	11	of	of	ADP
hassl-3661	268	12	financial	financial	ADJ
hassl-3661	268	13	technology	technology	NOUN
hassl-3661	268	14	in	in	ADP
hassl-3661	268	15	order	order	NOUN
hassl-3661	268	16	to	to	PART
hassl-3661	268	17	access	access	VERB
hassl-3661	268	18	a	a	DET
hassl-3661	268	19	variety	variety	NOUN
hassl-3661	268	20	of	of	ADP
hassl-3661	268	21	funding	funding	NOUN
hassl-3661	268	22	sources	source	NOUN
hassl-3661	268	23	through	through	ADP
hassl-3661	268	24	cutting	cut	VERB
hassl-3661	268	25	-	-	PUNCT
hassl-3661	268	26	edge	edge	NOUN
hassl-3661	268	27	financial	financial	ADJ
hassl-3661	268	28	accounting	accounting	NOUN
hassl-3661	268	29	technology	technology	NOUN
hassl-3661	268	30	services	service	NOUN
hassl-3661	268	31	and	and	CCONJ
hassl-3661	268	32	products	product	NOUN
hassl-3661	268	33	like	like	ADP
hassl-3661	268	34	equity	equity	NOUN
hassl-3661	268	35	and	and	CCONJ
hassl-3661	268	36	accounts	account	VERB
hassl-3661	268	37	receivable	receivable	ADJ
hassl-3661	268	38	finance	finance	NOUN
hassl-3661	268	39	.	.	PUNCT
hassl-3661	269	1	as	as	SCONJ
hassl-3661	269	2	mentioned	mention	VERB
hassl-3661	269	3	earlier	early	ADV
hassl-3661	269	4	,	,	PUNCT
hassl-3661	269	5	the	the	DET
hassl-3661	269	6	most	most	ADV
hassl-3661	269	7	recent	recent	ADJ
hassl-3661	269	8	study	study	NOUN
hassl-3661	269	9	was	be	AUX
hassl-3661	269	10	consistent	consistent	ADJ
hassl-3661	269	11	with	with	ADP
hassl-3661	269	12	certain	certain	ADJ
hassl-3661	269	13	previous	previous	ADJ
hassl-3661	269	14	findings	finding	NOUN
hassl-3661	269	15	but	but	CCONJ
hassl-3661	269	16	contradicted	contradict	VERB
hassl-3661	269	17	others	other	NOUN
hassl-3661	269	18	.	.	PUNCT
hassl-3661	270	1	this	this	DET
hassl-3661	270	2	work	work	NOUN
hassl-3661	270	3	offers	offer	VERB
hassl-3661	270	4	numerous	numerous	ADJ
hassl-3661	270	5	noteworthy	noteworthy	ADJ
hassl-3661	270	6	advances	advance	NOUN
hassl-3661	270	7	but	but	CCONJ
hassl-3661	270	8	it	it	PRON
hassl-3661	270	9	has	have	VERB
hassl-3661	270	10	significant	significant	ADJ
hassl-3661	270	11	flaws	flaw	NOUN
hassl-3661	270	12	.	.	PUNCT
hassl-3661	271	1	therefore	therefore	ADV
hassl-3661	271	2	,	,	PUNCT
hassl-3661	271	3	admitting	admit	VERB
hassl-3661	271	4	these	these	DET
hassl-3661	271	5	limitations	limitation	NOUN
hassl-3661	271	6	enhances	enhance	VERB
hassl-3661	271	7	the	the	DET
hassl-3661	271	8	validity	validity	NOUN
hassl-3661	271	9	of	of	ADP
hassl-3661	271	10	the	the	DET
hassl-3661	271	11	current	current	ADJ
hassl-3661	271	12	study	study	NOUN
hassl-3661	271	13	's	's	PART
hassl-3661	271	14	conclusions	conclusion	NOUN
hassl-3661	271	15	.	.	PUNCT
hassl-3661	272	1	the	the	DET
hassl-3661	272	2	current	current	ADJ
hassl-3661	272	3	study	study	NOUN
hassl-3661	272	4	focused	focus	VERB
hassl-3661	272	5	on	on	ADP
hassl-3661	272	6	just	just	ADV
hassl-3661	272	7	381	381	NUM
hassl-3661	272	8	workers	worker	NOUN
hassl-3661	272	9	in	in	ADP
hassl-3661	272	10	order	order	NOUN
hassl-3661	272	11	to	to	PART
hassl-3661	272	12	maintain	maintain	VERB
hassl-3661	272	13	a	a	DET
hassl-3661	272	14	fair	fair	ADJ
hassl-3661	272	15	viewpoint	viewpoint	NOUN
hassl-3661	272	16	on	on	ADP
hassl-3661	272	17	the	the	DET
hassl-3661	272	18	diagnostic	diagnostic	ADJ
hassl-3661	272	19	and	and	CCONJ
hassl-3661	272	20	interactive	interactive	ADJ
hassl-3661	272	21	usage	usage	NOUN
hassl-3661	272	22	of	of	ADP
hassl-3661	272	23	the	the	DET
hassl-3661	272	24	model	model	NOUN
hassl-3661	272	25	in	in	ADP
hassl-3661	272	26	jordanian	jordanian	ADJ
hassl-3661	272	27	banks	bank	NOUN
hassl-3661	272	28	.	.	PUNCT
hassl-3661	273	1	therefore	therefore	ADV
hassl-3661	273	2	,	,	PUNCT
hassl-3661	273	3	the	the	DET
hassl-3661	273	4	results	result	NOUN
hassl-3661	273	5	may	may	AUX
hassl-3661	273	6	be	be	AUX
hassl-3661	273	7	more	more	ADV
hassl-3661	273	8	accurate	accurate	ADJ
hassl-3661	273	9	if	if	SCONJ
hassl-3661	273	10	there	there	PRON
hassl-3661	273	11	are	be	VERB
hassl-3661	273	12	more	more	ADJ
hassl-3661	273	13	bank	bank	NOUN
hassl-3661	273	14	replies	reply	NOUN
hassl-3661	273	15	.	.	PUNCT
hassl-3661	274	1	future	future	ADJ
hassl-3661	274	2	studies	study	NOUN
hassl-3661	274	3	can	can	AUX
hassl-3661	274	4	build	build	VERB
hassl-3661	274	5	upon	upon	SCONJ
hassl-3661	274	6	the	the	DET
hassl-3661	274	7	established	establish	VERB
hassl-3661	274	8	parameters	parameter	NOUN
hassl-3661	274	9	of	of	ADP
hassl-3661	274	10	this	this	DET
hassl-3661	274	11	research	research	NOUN
hassl-3661	274	12	and	and	CCONJ
hassl-3661	274	13	introduce	introduce	VERB
hassl-3661	274	14	new	new	ADJ
hassl-3661	274	15	variables	variable	NOUN
hassl-3661	274	16	to	to	PART
hassl-3661	274	17	gain	gain	VERB
hassl-3661	274	18	a	a	DET
hassl-3661	274	19	more	more	ADV
hassl-3661	274	20	profound	profound	ADJ
hassl-3661	274	21	comprehension	comprehension	NOUN
hassl-3661	274	22	of	of	ADP
hassl-3661	274	23	the	the	DET
hassl-3661	274	24	impact	impact	NOUN
hassl-3661	274	25	of	of	ADP
hassl-3661	274	26	financial	financial	ADJ
hassl-3661	274	27	technology	technology	NOUN
hassl-3661	274	28	on	on	ADP
hassl-3661	274	29	the	the	DET
hassl-3661	274	30	financial	financial	ADJ
hassl-3661	274	31	performance	performance	NOUN
hassl-3661	274	32	of	of	ADP
hassl-3661	274	33	banks	bank	NOUN
hassl-3661	274	34	.	.	PUNCT
hassl-3661	275	1	future	future	ADJ
hassl-3661	275	2	research	research	NOUN
hassl-3661	275	3	might	might	AUX
hassl-3661	275	4	build	build	VERB
hassl-3661	275	5	on	on	ADP
hassl-3661	275	6	the	the	DET
hassl-3661	275	7	parameters	parameter	NOUN
hassl-3661	275	8	of	of	ADP
hassl-3661	275	9	the	the	DET
hassl-3661	275	10	current	current	ADJ
hassl-3661	275	11	study	study	NOUN
hassl-3661	275	12	and	and	CCONJ
hassl-3661	275	13	add	add	VERB
hassl-3661	275	14	new	new	ADJ
hassl-3661	275	15	factors	factor	NOUN
hassl-3661	275	16	to	to	PART
hassl-3661	275	17	further	far	ADV
hassl-3661	275	18	analyze	analyze	VERB
hassl-3661	275	19	the	the	DET
hassl-3661	275	20	effect	effect	NOUN
hassl-3661	275	21	of	of	ADP
hassl-3661	275	22	financial	financial	ADJ
hassl-3661	275	23	technology	technology	NOUN
hassl-3661	275	24	on	on	ADP
hassl-3661	275	25	the	the	DET
hassl-3661	275	26	enhancement	enhancement	NOUN
hassl-3661	275	27	of	of	ADP
hassl-3661	275	28	banks	bank	NOUN
hassl-3661	275	29	'	'	PART
hassl-3661	275	30	profitability	profitability	NOUN
hassl-3661	275	31	.	.	PUNCT
hassl-3661	276	1	this	this	DET
hassl-3661	276	2	study	study	NOUN
hassl-3661	276	3	demonstrates	demonstrate	VERB
hassl-3661	276	4	that	that	SCONJ
hassl-3661	276	5	the	the	DET
hassl-3661	276	6	adoption	adoption	NOUN
hassl-3661	276	7	of	of	ADP
hassl-3661	276	8	fintech	fintech	NOUN
hassl-3661	276	9	solutions	solution	NOUN
hassl-3661	276	10	by	by	ADP
hassl-3661	276	11	banks	bank	NOUN
hassl-3661	276	12	has	have	VERB
hassl-3661	276	13	a	a	DET
hassl-3661	276	14	significant	significant	ADJ
hassl-3661	276	15	impact	impact	NOUN
hassl-3661	276	16	on	on	ADP
hassl-3661	276	17	their	their	PRON
hassl-3661	276	18	financial	financial	ADJ
hassl-3661	276	19	performance	performance	NOUN
hassl-3661	276	20	and	and	CCONJ
hassl-3661	276	21	position	position	NOUN
hassl-3661	276	22	.	.	PUNCT
hassl-3661	277	1	funding	funding	NOUN
hassl-3661	277	2	:	:	PUNCT
hassl-3661	277	3	this	this	DET
hassl-3661	277	4	study	study	NOUN
hassl-3661	277	5	received	receive	VERB
hassl-3661	277	6	no	no	DET
hassl-3661	277	7	specific	specific	ADJ
hassl-3661	277	8	financial	financial	ADJ
hassl-3661	277	9	support	support	NOUN
hassl-3661	277	10	.	.	PUNCT
hassl-3661	278	1	institutional	institutional	ADJ
hassl-3661	278	2	review	review	PROPN
hassl-3661	278	3	board	board	NOUN
hassl-3661	278	4	statement	statement	NOUN
hassl-3661	278	5	:	:	PUNCT
hassl-3661	278	6	the	the	DET
hassl-3661	278	7	ethical	ethical	ADJ
hassl-3661	278	8	committee	committee	NOUN
hassl-3661	278	9	of	of	ADP
hassl-3661	278	10	the	the	DET
hassl-3661	278	11	universiti	universiti	PROPN
hassl-3661	278	12	sains	sain	NOUN
hassl-3661	278	13	islam	islam	PROPN
hassl-3661	278	14	malaysia	malaysia	PROPN
hassl-3661	278	15	,	,	PUNCT
hassl-3661	278	16	malaysia	malaysia	PROPN
hassl-3661	278	17	has	have	AUX
hassl-3661	278	18	granted	grant	VERB
hassl-3661	278	19	approval	approval	NOUN
hassl-3661	278	20	for	for	ADP
hassl-3661	278	21	this	this	DET
hassl-3661	278	22	study	study	NOUN
hassl-3661	278	23	(	(	PUNCT
hassl-3661	278	24	ref	ref	NOUN
hassl-3661	278	25	.	.	PUNCT
hassl-3661	279	1	no	no	INTJ
hassl-3661	279	2	.	.	PUNCT
hassl-3661	279	3	usim	usim	ADJ
hassl-3661	279	4	/	/	SYM
hassl-3661	279	5	kashtban	kashtban	PROPN
hassl-3661	279	6	/	/	SYM
hassl-3661	279	7	fem	fem	PROPN
hassl-3661	279	8	/	/	SYM
hassl-3661	279	9	antarabangsa/40924	antarabangsa/40924	NOUN
hassl-3661	279	10	)	)	PUNCT
hassl-3661	279	11	.	.	PUNCT
hassl-3661	280	1	transparency	transparency	NOUN
hassl-3661	280	2	:	:	PUNCT
hassl-3661	280	3	the	the	DET
hassl-3661	280	4	authors	author	NOUN
hassl-3661	280	5	state	state	VERB
hassl-3661	280	6	that	that	SCONJ
hassl-3661	280	7	the	the	DET
hassl-3661	280	8	manuscript	manuscript	NOUN
hassl-3661	280	9	is	be	AUX
hassl-3661	280	10	honest	honest	ADJ
hassl-3661	280	11	,	,	PUNCT
hassl-3661	280	12	truthful	truthful	ADJ
hassl-3661	280	13	,	,	PUNCT
hassl-3661	280	14	and	and	CCONJ
hassl-3661	280	15	transparent	transparent	ADJ
hassl-3661	280	16	,	,	PUNCT
hassl-3661	280	17	that	that	SCONJ
hassl-3661	280	18	no	no	DET
hassl-3661	280	19	key	key	ADJ
hassl-3661	280	20	aspects	aspect	NOUN
hassl-3661	280	21	of	of	ADP
hassl-3661	280	22	the	the	DET
hassl-3661	280	23	investigation	investigation	NOUN
hassl-3661	280	24	have	have	AUX
hassl-3661	280	25	been	be	AUX
hassl-3661	280	26	omitted	omit	VERB
hassl-3661	280	27	,	,	PUNCT
hassl-3661	280	28	and	and	CCONJ
hassl-3661	280	29	that	that	SCONJ
hassl-3661	280	30	any	any	DET
hassl-3661	280	31	differences	difference	NOUN
hassl-3661	280	32	from	from	ADP
hassl-3661	280	33	the	the	DET
hassl-3661	280	34	study	study	NOUN
hassl-3661	280	35	as	as	SCONJ
hassl-3661	280	36	planned	plan	VERB
hassl-3661	280	37	have	have	AUX
hassl-3661	280	38	been	be	AUX
hassl-3661	280	39	clarified	clarify	VERB
hassl-3661	280	40	.	.	PUNCT
hassl-3661	281	1	this	this	DET
hassl-3661	281	2	study	study	NOUN
hassl-3661	281	3	followed	follow	VERB
hassl-3661	281	4	all	all	PRON
hassl-3661	281	5	writing	write	VERB
hassl-3661	281	6	ethics	ethic	NOUN
hassl-3661	281	7	.	.	PUNCT
hassl-3661	282	1	competing	compete	VERB
hassl-3661	282	2	interests	interest	NOUN
hassl-3661	282	3	:	:	PUNCT
hassl-3661	282	4	the	the	DET
hassl-3661	282	5	authors	author	NOUN
hassl-3661	282	6	declare	declare	VERB
hassl-3661	282	7	that	that	SCONJ
hassl-3661	282	8	they	they	PRON
hassl-3661	282	9	have	have	VERB
hassl-3661	282	10	no	no	DET
hassl-3661	282	11	competing	compete	VERB
hassl-3661	282	12	interests	interest	NOUN
hassl-3661	282	13	.	.	PUNCT
hassl-3661	283	1	authors	author	NOUN
hassl-3661	283	2	’	'	PUNCT
hassl-3661	283	3	contributions	contribution	NOUN
hassl-3661	283	4	:	:	PUNCT
hassl-3661	283	5	all	all	DET
hassl-3661	283	6	authors	author	NOUN
hassl-3661	283	7	contributed	contribute	VERB
hassl-3661	283	8	equally	equally	ADV
hassl-3661	283	9	to	to	ADP
hassl-3661	283	10	the	the	DET
hassl-3661	283	11	conception	conception	NOUN
hassl-3661	283	12	and	and	CCONJ
hassl-3661	283	13	design	design	NOUN
hassl-3661	283	14	of	of	ADP
hassl-3661	283	15	the	the	DET
hassl-3661	283	16	study	study	NOUN
hassl-3661	283	17	.	.	PUNCT
hassl-3661	284	1	all	all	DET
hassl-3661	284	2	authors	author	NOUN
hassl-3661	284	3	have	have	AUX
hassl-3661	284	4	read	read	VERB
hassl-3661	284	5	and	and	CCONJ
hassl-3661	284	6	agreed	agree	VERB
hassl-3661	284	7	to	to	ADP
hassl-3661	284	8	the	the	DET
hassl-3661	284	9	published	publish	VERB
hassl-3661	284	10	version	version	NOUN
hassl-3661	284	11	of	of	ADP
hassl-3661	284	12	the	the	DET
hassl-3661	284	13	manuscript	manuscript	NOUN
hassl-3661	284	14	.	.	PUNCT
hassl-3661	285	1	humanities	humanity	NOUN
hassl-3661	285	2	and	and	CCONJ
hassl-3661	285	3	social	social	ADJ
hassl-3661	285	4	sciences	science	NOUN
hassl-3661	285	5	letters	letter	NOUN
hassl-3661	285	6	,	,	PUNCT
hassl-3661	285	7	2024	2024	NUM
hassl-3661	285	8	,	,	PUNCT
hassl-3661	285	9	12(2	12(2	NUM
hassl-3661	285	10	):	):	PUNCT
hassl-3661	285	11	176	176	NUM
hassl-3661	285	12	-	-	SYM
hassl-3661	285	13	188	188	NUM
hassl-3661	285	14	186	186	NUM
hassl-3661	285	15	©	©	PROPN
hassl-3661	285	16	2024	2024	NUM
hassl-3661	285	17	conscientia	conscientia	PROPN
hassl-3661	285	18	beam	beam	PROPN
hassl-3661	285	19	.	.	PUNCT
hassl-3661	286	1	all	all	DET
hassl-3661	286	2	rights	right	NOUN
hassl-3661	286	3	reserved	reserve	VERB
hassl-3661	286	4	.	.	PUNCT
hassl-3661	287	1	references	reference	NOUN
hassl-3661	287	2	afkar	afkar	NOUN
hassl-3661	287	3	,	,	PUNCT
hassl-3661	287	4	t.	t.	PROPN
hassl-3661	287	5	(	(	PUNCT
hassl-3661	287	6	2017	2017	NUM
hassl-3661	287	7	)	)	PUNCT
hassl-3661	287	8	.	.	PUNCT
hassl-3661	288	1	influence	influence	NOUN
hassl-3661	288	2	analysis	analysis	NOUN
hassl-3661	288	3	of	of	ADP
hassl-3661	288	4	mudharabah	mudharabah	NOUN
hassl-3661	288	5	financing	financing	NOUN
hassl-3661	288	6	and	and	CCONJ
hassl-3661	288	7	qardh	qardh	NOUN
hassl-3661	288	8	financing	financing	NOUN
hassl-3661	288	9	to	to	ADP
hassl-3661	288	10	the	the	DET
hassl-3661	288	11	profitability	profitability	NOUN
hassl-3661	288	12	of	of	ADP
hassl-3661	288	13	islamic	islamic	ADJ
hassl-3661	288	14	banking	banking	NOUN
hassl-3661	288	15	in	in	ADP
hassl-3661	288	16	indonesia	indonesia	PROPN
hassl-3661	288	17	.	.	PUNCT
hassl-3661	289	1	asian	asian	PROPN
hassl-3661	289	2	journal	journal	PROPN
hassl-3661	289	3	of	of	ADP
hassl-3661	289	4	innovation	innovation	NOUN
hassl-3661	289	5	and	and	CCONJ
hassl-3661	289	6	entrepreneurship	entrepreneurship	NOUN
hassl-3661	289	7	,	,	PUNCT
hassl-3661	289	8	2(03	2(03	NOUN
hassl-3661	289	9	)	)	PUNCT
hassl-3661	289	10	,	,	PUNCT
hassl-3661	289	11	340	340	NUM
hassl-3661	289	12	-	-	SYM
hassl-3661	289	13	351	351	NUM
hassl-3661	289	14	.	.	PUNCT
hassl-3661	290	1	al	al	PROPN
hassl-3661	290	2	-	-	PUNCT
hassl-3661	290	3	zaqeba	zaqeba	PROPN
hassl-3661	290	4	,	,	PUNCT
hassl-3661	290	5	m.	m.	NOUN
hassl-3661	290	6	,	,	PUNCT
hassl-3661	290	7	al	al	PROPN
hassl-3661	290	8	-	-	PUNCT
hassl-3661	290	9	khawaja	khawaja	PROPN
hassl-3661	290	10	,	,	PUNCT
hassl-3661	290	11	h.	h.	PROPN
hassl-3661	290	12	a.	a.	PROPN
hassl-3661	290	13	,	,	PUNCT
hassl-3661	290	14	&	&	CCONJ
hassl-3661	290	15	jebril	jebril	PROPN
hassl-3661	290	16	,	,	PUNCT
hassl-3661	290	17	i.	i.	PROPN
hassl-3661	290	18	h.	h.	PROPN
hassl-3661	290	19	(	(	PUNCT
hassl-3661	290	20	2022	2022	NUM
hassl-3661	290	21	)	)	PUNCT
hassl-3661	290	22	.	.	PUNCT
hassl-3661	291	1	the	the	DET
hassl-3661	291	2	effect	effect	NOUN
hassl-3661	291	3	of	of	ADP
hassl-3661	291	4	supply	supply	NOUN
hassl-3661	291	5	chain	chain	NOUN
hassl-3661	291	6	management	management	NOUN
hassl-3661	291	7	on	on	ADP
hassl-3661	291	8	competitive	competitive	ADJ
hassl-3661	291	9	advantage	advantage	NOUN
hassl-3661	291	10	:	:	PUNCT
hassl-3661	291	11	covid-19	covid-19	PROPN
hassl-3661	291	12	.	.	PROPN
hassl-3661	291	13	paper	paper	NOUN
hassl-3661	291	14	presented	present	VERB
hassl-3661	291	15	at	at	ADP
hassl-3661	291	16	the	the	PRON
hassl-3661	291	17	in	in	ADP
hassl-3661	291	18	2022	2022	NUM
hassl-3661	291	19	asu	asu	PROPN
hassl-3661	291	20	international	international	ADJ
hassl-3661	291	21	conference	conference	NOUN
hassl-3661	291	22	in	in	ADP
hassl-3661	291	23	emerging	emerge	VERB
hassl-3661	291	24	technologies	technology	NOUN
hassl-3661	291	25	for	for	ADP
hassl-3661	291	26	sustainability	sustainability	NOUN
hassl-3661	291	27	and	and	CCONJ
hassl-3661	291	28	intelligent	intelligent	ADJ
hassl-3661	291	29	systems	system	NOUN
hassl-3661	291	30	,	,	PUNCT
hassl-3661	291	31	ieee	ieee	PROPN
hassl-3661	291	32	.	.	PUNCT
hassl-3661	292	1	al	al	PROPN
hassl-3661	292	2	-	-	PUNCT
hassl-3661	292	3	zaqeba	zaqeba	PROPN
hassl-3661	292	4	,	,	PUNCT
hassl-3661	292	5	m.	m.	NOUN
hassl-3661	292	6	a.	a.	PROPN
hassl-3661	292	7	a.	a.	PROPN
hassl-3661	292	8	,	,	PUNCT
hassl-3661	292	9	abdul	abdul	PROPN
hassl-3661	292	10	hamid	hamid	PROPN
hassl-3661	292	11	,	,	PUNCT
hassl-3661	292	12	s.	s.	PROPN
hassl-3661	292	13	,	,	PUNCT
hassl-3661	292	14	ineizeh	ineizeh	PROPN
hassl-3661	292	15	,	,	PUNCT
hassl-3661	292	16	n.	n.	PROPN
hassl-3661	292	17	i.	i.	PROPN
hassl-3661	292	18	,	,	PUNCT
hassl-3661	292	19	hussein	hussein	PROPN
hassl-3661	292	20	,	,	PUNCT
hassl-3661	292	21	o.	o.	PROPN
hassl-3661	292	22	j.	j.	PROPN
hassl-3661	292	23	,	,	PUNCT
hassl-3661	292	24	&	&	CCONJ
hassl-3661	292	25	albawwat	albawwat	PROPN
hassl-3661	292	26	,	,	PUNCT
hassl-3661	292	27	a.	a.	NOUN
hassl-3661	292	28	h.	h.	PROPN
hassl-3661	292	29	(	(	PUNCT
hassl-3661	292	30	2022	2022	NUM
hassl-3661	292	31	)	)	PUNCT
hassl-3661	292	32	.	.	PUNCT
hassl-3661	293	1	the	the	DET
hassl-3661	293	2	effect	effect	NOUN
hassl-3661	293	3	of	of	ADP
hassl-3661	293	4	corporate	corporate	ADJ
hassl-3661	293	5	governance	governance	NOUN
hassl-3661	293	6	mechanisms	mechanism	NOUN
hassl-3661	293	7	on	on	ADP
hassl-3661	293	8	earnings	earning	NOUN
hassl-3661	293	9	management	management	NOUN
hassl-3661	293	10	in	in	ADP
hassl-3661	293	11	malaysian	malaysian	ADJ
hassl-3661	293	12	manufacturing	manufacturing	NOUN
hassl-3661	293	13	companies	company	NOUN
hassl-3661	293	14	.	.	PUNCT
hassl-3661	294	1	asian	asian	ADJ
hassl-3661	294	2	economic	economic	ADJ
hassl-3661	294	3	and	and	CCONJ
hassl-3661	294	4	financial	financial	ADJ
hassl-3661	294	5	review	review	NOUN
hassl-3661	294	6	.	.	PUNCT
hassl-3661	295	1	https://doi.org/10.55493/5002.v12i5.4490	https://doi.org/10.55493/5002.v12i5.4490	PROPN
hassl-3661	295	2	al	al	PROPN
hassl-3661	295	3	zobi	zobi	PROPN
hassl-3661	295	4	,	,	PUNCT
hassl-3661	295	5	m.	m.	PROPN
hassl-3661	295	6	k.	k.	PROPN
hassl-3661	295	7	,	,	PUNCT
hassl-3661	295	8	&	&	CCONJ
hassl-3661	295	9	jarah	jarah	PROPN
hassl-3661	295	10	,	,	PUNCT
hassl-3661	295	11	b.	b.	PROPN
hassl-3661	295	12	a.	a.	PROPN
hassl-3661	295	13	f.	f.	PROPN
hassl-3661	295	14	(	(	PUNCT
hassl-3661	295	15	2023	2023	NUM
hassl-3661	295	16	)	)	PUNCT
hassl-3661	295	17	.	.	PUNCT
hassl-3661	296	1	the	the	DET
hassl-3661	296	2	role	role	NOUN
hassl-3661	296	3	of	of	ADP
hassl-3661	296	4	internal	internal	ADJ
hassl-3661	296	5	auditing	auditing	NOUN
hassl-3661	296	6	in	in	ADP
hassl-3661	296	7	improving	improve	VERB
hassl-3661	296	8	the	the	DET
hassl-3661	296	9	accounting	accounting	NOUN
hassl-3661	296	10	information	information	NOUN
hassl-3661	296	11	system	system	NOUN
hassl-3661	296	12	in	in	ADP
hassl-3661	296	13	jordanian	jordanian	ADJ
hassl-3661	296	14	banks	bank	NOUN
hassl-3661	296	15	by	by	ADP
hassl-3661	296	16	using	use	VERB
hassl-3661	296	17	organizational	organizational	ADJ
hassl-3661	296	18	commitment	commitment	NOUN
hassl-3661	296	19	as	as	ADP
hassl-3661	296	20	a	a	DET
hassl-3661	296	21	mediator	mediator	NOUN
hassl-3661	296	22	.	.	PUNCT
hassl-3661	297	1	risks	risk	NOUN
hassl-3661	297	2	,	,	PUNCT
hassl-3661	297	3	11(9	11(9	PROPN
hassl-3661	297	4	)	)	PUNCT
hassl-3661	297	5	,	,	PUNCT
hassl-3661	297	6	153	153	NUM
hassl-3661	297	7	.	.	PUNCT
hassl-3661	298	1	https://doi.org/10.3390/risks11090153	https://doi.org/10.3390/risks11090153	PROPN
hassl-3661	298	2	baker	baker	PROPN
hassl-3661	298	3	,	,	PUNCT
hassl-3661	298	4	h.	h.	PROPN
hassl-3661	298	5	,	,	PUNCT
hassl-3661	298	6	kaddumi	kaddumi	PROPN
hassl-3661	298	7	,	,	PUNCT
hassl-3661	298	8	t.	t.	PROPN
hassl-3661	298	9	a.	a.	PROPN
hassl-3661	298	10	,	,	PUNCT
hassl-3661	298	11	nassar	nassar	PROPN
hassl-3661	298	12	,	,	PUNCT
hassl-3661	298	13	m.	m.	NOUN
hassl-3661	298	14	d.	d.	PROPN
hassl-3661	298	15	,	,	PUNCT
hassl-3661	298	16	&	&	CCONJ
hassl-3661	298	17	muqattash	muqattash	PROPN
hassl-3661	298	18	,	,	PUNCT
hassl-3661	298	19	r.	r.	PROPN
hassl-3661	298	20	s.	s.	PROPN
hassl-3661	298	21	(	(	PUNCT
hassl-3661	298	22	2023	2023	NUM
hassl-3661	298	23	)	)	PUNCT
hassl-3661	298	24	.	.	PUNCT
hassl-3661	299	1	impact	impact	NOUN
hassl-3661	299	2	of	of	ADP
hassl-3661	299	3	financial	financial	ADJ
hassl-3661	299	4	technology	technology	NOUN
hassl-3661	299	5	on	on	ADP
hassl-3661	299	6	improvement	improvement	NOUN
hassl-3661	299	7	of	of	ADP
hassl-3661	299	8	banks	bank	NOUN
hassl-3661	299	9	’	'	PUNCT
hassl-3661	299	10	financial	financial	ADJ
hassl-3661	299	11	performance	performance	NOUN
hassl-3661	299	12	.	.	PUNCT
hassl-3661	300	1	journal	journal	NOUN
hassl-3661	300	2	of	of	ADP
hassl-3661	300	3	risk	risk	NOUN
hassl-3661	300	4	and	and	CCONJ
hassl-3661	300	5	financial	financial	ADJ
hassl-3661	300	6	management	management	NOUN
hassl-3661	300	7	,	,	PUNCT
hassl-3661	300	8	16(4	16(4	NUM
hassl-3661	300	9	)	)	PUNCT
hassl-3661	300	10	,	,	PUNCT
hassl-3661	300	11	230	230	NUM
hassl-3661	300	12	.	.	PUNCT
hassl-3661	301	1	barnewold	barnewold	PROPN
hassl-3661	301	2	,	,	PUNCT
hassl-3661	301	3	l.	l.	PROPN
hassl-3661	301	4	,	,	PUNCT
hassl-3661	301	5	&	&	CCONJ
hassl-3661	301	6	lottermoser	lottermoser	PROPN
hassl-3661	301	7	,	,	PUNCT
hassl-3661	301	8	b.	b.	PROPN
hassl-3661	301	9	(	(	PUNCT
hassl-3661	301	10	2020	2020	NUM
hassl-3661	301	11	)	)	PUNCT
hassl-3661	301	12	.	.	PUNCT
hassl-3661	302	1	identification	identification	NOUN
hassl-3661	302	2	of	of	ADP
hassl-3661	302	3	digital	digital	ADJ
hassl-3661	302	4	technologies	technology	NOUN
hassl-3661	302	5	and	and	CCONJ
hassl-3661	302	6	digitalisation	digitalisation	NOUN
hassl-3661	302	7	trends	trend	NOUN
hassl-3661	302	8	in	in	ADP
hassl-3661	302	9	the	the	DET
hassl-3661	302	10	mining	mining	NOUN
hassl-3661	302	11	industry	industry	NOUN
hassl-3661	302	12	.	.	PUNCT
hassl-3661	303	1	international	international	ADJ
hassl-3661	303	2	journal	journal	PROPN
hassl-3661	303	3	of	of	ADP
hassl-3661	303	4	mining	mining	NOUN
hassl-3661	303	5	science	science	NOUN
hassl-3661	303	6	and	and	CCONJ
hassl-3661	303	7	technology	technology	NOUN
hassl-3661	303	8	,	,	PUNCT
hassl-3661	303	9	30(6	30(6	NUM
hassl-3661	303	10	)	)	PUNCT
hassl-3661	303	11	,	,	PUNCT
hassl-3661	303	12	747–757	747–757	PROPN
hassl-3661	303	13	.	.	PUNCT
hassl-3661	304	1	https://doi.org/10.1016/j.ijmst.2020.07.003	https://doi.org/10.1016/j.ijmst.2020.07.003	ADJ
hassl-3661	304	2	barroso	barroso	NOUN
hassl-3661	304	3	,	,	PUNCT
hassl-3661	304	4	m.	m.	NOUN
hassl-3661	304	5	,	,	PUNCT
hassl-3661	304	6	&	&	CCONJ
hassl-3661	304	7	laborda	laborda	PROPN
hassl-3661	304	8	,	,	PUNCT
hassl-3661	304	9	j.	j.	PROPN
hassl-3661	304	10	(	(	PUNCT
hassl-3661	304	11	2022	2022	NUM
hassl-3661	304	12	)	)	PUNCT
hassl-3661	304	13	.	.	PUNCT
hassl-3661	305	1	digital	digital	ADJ
hassl-3661	305	2	transformation	transformation	NOUN
hassl-3661	305	3	and	and	CCONJ
hassl-3661	305	4	the	the	DET
hassl-3661	305	5	emergence	emergence	NOUN
hassl-3661	305	6	of	of	ADP
hassl-3661	305	7	the	the	DET
hassl-3661	305	8	fintech	fintech	NOUN
hassl-3661	305	9	sector	sector	NOUN
hassl-3661	305	10	:	:	PUNCT
hassl-3661	305	11	systematic	systematic	ADJ
hassl-3661	305	12	literature	literature	PROPN
hassl-3661	305	13	review	review	PROPN
hassl-3661	305	14	.	.	PUNCT
hassl-3661	306	1	digital	digital	ADJ
hassl-3661	306	2	business	business	NOUN
hassl-3661	306	3	,	,	PUNCT
hassl-3661	306	4	2(2	2(2	NUM
hassl-3661	306	5	)	)	PUNCT
hassl-3661	306	6	,	,	PUNCT
hassl-3661	306	7	100028	100028	NUM
hassl-3661	306	8	.	.	PUNCT
hassl-3661	307	1	batsakis	batsaki	NOUN
hassl-3661	307	2	,	,	PUNCT
hassl-3661	307	3	g.	g.	PROPN
hassl-3661	307	4	,	,	PUNCT
hassl-3661	307	5	theoharakis	theoharaki	VERB
hassl-3661	307	6	,	,	PUNCT
hassl-3661	307	7	v.	v.	ADP
hassl-3661	307	8	,	,	PUNCT
hassl-3661	307	9	li	li	PROPN
hassl-3661	307	10	,	,	PUNCT
hassl-3661	307	11	c.	c.	PROPN
hassl-3661	307	12	,	,	PUNCT
hassl-3661	307	13	&	&	CCONJ
hassl-3661	307	14	konara	konara	PROPN
hassl-3661	307	15	,	,	PUNCT
hassl-3661	307	16	p.	p.	NOUN
hassl-3661	307	17	(	(	PUNCT
hassl-3661	307	18	2023	2023	NUM
hassl-3661	307	19	)	)	PUNCT
hassl-3661	307	20	.	.	PUNCT
hassl-3661	308	1	internationalization	internationalization	NOUN
hassl-3661	308	2	and	and	CCONJ
hassl-3661	308	3	digitalization	digitalization	NOUN
hassl-3661	308	4	:	:	PUNCT
hassl-3661	308	5	their	their	PRON
hassl-3661	308	6	differing	differ	VERB
hassl-3661	308	7	role	role	NOUN
hassl-3661	308	8	on	on	ADP
hassl-3661	308	9	grocer	grocer	NOUN
hassl-3661	308	10	and	and	CCONJ
hassl-3661	308	11	non	non	ADJ
hassl-3661	308	12	-	-	ADJ
hassl-3661	308	13	grocer	grocer	ADJ
hassl-3661	308	14	retailer	retailer	NOUN
hassl-3661	308	15	performance	performance	NOUN
hassl-3661	308	16	.	.	PUNCT
hassl-3661	309	1	journal	journal	NOUN
hassl-3661	309	2	of	of	ADP
hassl-3661	309	3	retailing	retailing	NOUN
hassl-3661	309	4	,	,	PUNCT
hassl-3661	309	5	99(3	99(3	NUM
hassl-3661	309	6	)	)	PUNCT
hassl-3661	309	7	,	,	PUNCT
hassl-3661	309	8	400	400	NUM
hassl-3661	309	9	-	-	SYM
hassl-3661	309	10	419	419	NUM
hassl-3661	309	11	.	.	PUNCT
hassl-3661	310	1	bhimani	bhimani	PROPN
hassl-3661	310	2	,	,	PUNCT
hassl-3661	310	3	a.	a.	PROPN
hassl-3661	310	4	,	,	PUNCT
hassl-3661	310	5	&	&	CCONJ
hassl-3661	310	6	willcocks	willcocks	PROPN
hassl-3661	310	7	,	,	PUNCT
hassl-3661	310	8	l.	l.	PROPN
hassl-3661	310	9	(	(	PUNCT
hassl-3661	310	10	2014	2014	NUM
hassl-3661	310	11	)	)	PUNCT
hassl-3661	310	12	.	.	PUNCT
hassl-3661	311	1	digitisation,‘big	digitisation,‘big	PROPN
hassl-3661	311	2	data’and	data’and	VERB
hassl-3661	311	3	the	the	DET
hassl-3661	311	4	transformation	transformation	NOUN
hassl-3661	311	5	of	of	ADP
hassl-3661	311	6	accounting	accounting	NOUN
hassl-3661	311	7	information	information	NOUN
hassl-3661	311	8	.	.	PUNCT
hassl-3661	312	1	accounting	accounting	NOUN
hassl-3661	312	2	and	and	CCONJ
hassl-3661	312	3	business	business	NOUN
hassl-3661	312	4	research	research	NOUN
hassl-3661	312	5	,	,	PUNCT
hassl-3661	312	6	44(4	44(4	NOUN
hassl-3661	312	7	)	)	PUNCT
hassl-3661	312	8	,	,	PUNCT
hassl-3661	312	9	469	469	NUM
hassl-3661	312	10	-	-	SYM
hassl-3661	312	11	490	490	NUM
hassl-3661	312	12	.	.	PUNCT
hassl-3661	313	1	campanella	campanella	PROPN
hassl-3661	313	2	,	,	PUNCT
hassl-3661	313	3	f.	f.	PROPN
hassl-3661	313	4	,	,	PUNCT
hassl-3661	313	5	della	della	PROPN
hassl-3661	313	6	peruta	peruta	NOUN
hassl-3661	313	7	,	,	PUNCT
hassl-3661	313	8	m.	m.	NOUN
hassl-3661	313	9	r.	r.	PROPN
hassl-3661	313	10	,	,	PUNCT
hassl-3661	313	11	&	&	CCONJ
hassl-3661	313	12	del	del	PROPN
hassl-3661	313	13	giudice	giudice	PROPN
hassl-3661	313	14	,	,	PUNCT
hassl-3661	313	15	m.	m.	NOUN
hassl-3661	313	16	(	(	PUNCT
hassl-3661	313	17	2017	2017	NUM
hassl-3661	313	18	)	)	PUNCT
hassl-3661	313	19	.	.	PUNCT
hassl-3661	314	1	the	the	DET
hassl-3661	314	2	effects	effect	NOUN
hassl-3661	314	3	of	of	ADP
hassl-3661	314	4	technological	technological	ADJ
hassl-3661	314	5	innovation	innovation	NOUN
hassl-3661	314	6	on	on	ADP
hassl-3661	314	7	the	the	DET
hassl-3661	314	8	banking	banking	NOUN
hassl-3661	314	9	sector	sector	NOUN
hassl-3661	314	10	.	.	PUNCT
hassl-3661	315	1	journal	journal	NOUN
hassl-3661	315	2	of	of	ADP
hassl-3661	315	3	the	the	DET
hassl-3661	315	4	knowledge	knowledge	NOUN
hassl-3661	315	5	economy	economy	NOUN
hassl-3661	315	6	,	,	PUNCT
hassl-3661	315	7	8	8	NUM
hassl-3661	315	8	,	,	PUNCT
hassl-3661	315	9	356–368	356–368	NUM
hassl-3661	315	10	.	.	PUNCT
hassl-3661	316	1	https://doi.org/10.1007/s13132-015-0326-8	https://doi.org/10.1007/s13132-015-0326-8	PROPN
hassl-3661	316	2	chanias	chanias	PROPN
hassl-3661	316	3	,	,	PUNCT
hassl-3661	316	4	s.	s.	PROPN
hassl-3661	316	5	,	,	PUNCT
hassl-3661	316	6	myers	myers	PROPN
hassl-3661	316	7	,	,	PUNCT
hassl-3661	316	8	m.	m.	PROPN
hassl-3661	316	9	d.	d.	PROPN
hassl-3661	316	10	,	,	PUNCT
hassl-3661	316	11	&	&	CCONJ
hassl-3661	316	12	hess	hess	PROPN
hassl-3661	316	13	,	,	PUNCT
hassl-3661	316	14	t.	t.	PROPN
hassl-3661	316	15	(	(	PUNCT
hassl-3661	316	16	2019	2019	NUM
hassl-3661	316	17	)	)	PUNCT
hassl-3661	316	18	.	.	PUNCT
hassl-3661	317	1	digital	digital	ADJ
hassl-3661	317	2	transformation	transformation	NOUN
hassl-3661	317	3	strategy	strategy	NOUN
hassl-3661	317	4	making	make	VERB
hassl-3661	317	5	in	in	ADP
hassl-3661	317	6	pre	pre	ADJ
hassl-3661	317	7	-	-	ADJ
hassl-3661	317	8	digital	digital	ADJ
hassl-3661	317	9	organizations	organization	NOUN
hassl-3661	317	10	:	:	PUNCT
hassl-3661	317	11	the	the	DET
hassl-3661	317	12	case	case	NOUN
hassl-3661	317	13	of	of	ADP
hassl-3661	317	14	a	a	DET
hassl-3661	317	15	financial	financial	ADJ
hassl-3661	317	16	services	service	NOUN
hassl-3661	317	17	provider	provider	NOUN
hassl-3661	317	18	.	.	PUNCT
hassl-3661	318	1	the	the	DET
hassl-3661	318	2	journal	journal	NOUN
hassl-3661	318	3	of	of	ADP
hassl-3661	318	4	strategic	strategic	ADJ
hassl-3661	318	5	information	information	NOUN
hassl-3661	318	6	systems	system	NOUN
hassl-3661	318	7	,	,	PUNCT
hassl-3661	318	8	28(1	28(1	NOUN
hassl-3661	318	9	)	)	PUNCT
hassl-3661	318	10	,	,	PUNCT
hassl-3661	318	11	17	17	NUM
hassl-3661	318	12	-	-	SYM
hassl-3661	318	13	33	33	NUM
hassl-3661	318	14	.	.	PUNCT
hassl-3661	319	1	chhaidar	chhaidar	PROPN
hassl-3661	319	2	,	,	PUNCT
hassl-3661	319	3	a.	a.	PROPN
hassl-3661	319	4	,	,	PUNCT
hassl-3661	319	5	abdelhedi	abdelhedi	PROPN
hassl-3661	319	6	,	,	PUNCT
hassl-3661	319	7	m.	m.	NOUN
hassl-3661	319	8	,	,	PUNCT
hassl-3661	319	9	&	&	CCONJ
hassl-3661	319	10	abdelkafi	abdelkafi	PROPN
hassl-3661	319	11	,	,	PUNCT
hassl-3661	319	12	i.	i.	PROPN
hassl-3661	319	13	(	(	PUNCT
hassl-3661	319	14	2023	2023	NUM
hassl-3661	319	15	)	)	PUNCT
hassl-3661	319	16	.	.	PUNCT
hassl-3661	320	1	the	the	DET
hassl-3661	320	2	effect	effect	NOUN
hassl-3661	320	3	of	of	ADP
hassl-3661	320	4	financial	financial	ADJ
hassl-3661	320	5	technology	technology	NOUN
hassl-3661	320	6	investment	investment	NOUN
hassl-3661	320	7	level	level	NOUN
hassl-3661	320	8	on	on	ADP
hassl-3661	320	9	european	european	ADJ
hassl-3661	320	10	banks	bank	NOUN
hassl-3661	320	11	’	'	PUNCT
hassl-3661	320	12	profitability	profitability	NOUN
hassl-3661	320	13	.	.	PUNCT
hassl-3661	321	1	journal	journal	NOUN
hassl-3661	321	2	of	of	ADP
hassl-3661	321	3	the	the	DET
hassl-3661	321	4	knowledge	knowledge	NOUN
hassl-3661	321	5	economy	economy	NOUN
hassl-3661	321	6	,	,	PUNCT
hassl-3661	321	7	14(3	14(3	NUM
hassl-3661	321	8	)	)	PUNCT
hassl-3661	321	9	,	,	PUNCT
hassl-3661	321	10	2959	2959	NUM
hassl-3661	321	11	-	-	SYM
hassl-3661	321	12	2981	2981	NUM
hassl-3661	321	13	.	.	PUNCT
hassl-3661	322	1	https://link.springer.com/article/10.1007/s13132022-00992-1	https://link.springer.com/article/10.1007/s13132022-00992-1	PROPN
hassl-3661	322	2	cho	cho	PROPN
hassl-3661	322	3	,	,	PUNCT
hassl-3661	322	4	m.	m.	PROPN
hassl-3661	322	5	k.	k.	PROPN
hassl-3661	322	6	,	,	PUNCT
hassl-3661	322	7	lee	lee	PROPN
hassl-3661	322	8	,	,	PUNCT
hassl-3661	322	9	h.	h.	PROPN
hassl-3661	322	10	y.	y.	PROPN
hassl-3661	322	11	,	,	PUNCT
hassl-3661	322	12	&	&	CCONJ
hassl-3661	322	13	song	song	PROPN
hassl-3661	322	14	,	,	PUNCT
hassl-3661	322	15	d.	d.	PROPN
hassl-3661	322	16	b.	b.	PROPN
hassl-3661	322	17	(	(	PUNCT
hassl-3661	322	18	2016	2016	NUM
hassl-3661	322	19	)	)	PUNCT
hassl-3661	322	20	.	.	PUNCT
hassl-3661	323	1	kb	kb	PROPN
hassl-3661	323	2	kookmin	kookmin	PROPN
hassl-3661	323	3	bank	bank	PROPN
hassl-3661	323	4	in	in	ADP
hassl-3661	323	5	korea	korea	PROPN
hassl-3661	323	6	.	.	PUNCT
hassl-3661	324	1	asian	asian	ADJ
hassl-3661	324	2	case	case	NOUN
hassl-3661	324	3	research	research	NOUN
hassl-3661	324	4	journal	journal	NOUN
hassl-3661	324	5	,	,	PUNCT
hassl-3661	324	6	20(2	20(2	NUM
hassl-3661	324	7	)	)	PUNCT
hassl-3661	324	8	,	,	PUNCT
hassl-3661	324	9	283	283	NUM
hassl-3661	324	10	-	-	SYM
hassl-3661	324	11	304	304	NUM
hassl-3661	324	12	.	.	PUNCT
hassl-3661	325	1	https://doi.org/10.1142/s0218927516500103	https://doi.org/10.1142/s0218927516500103	NUM
hassl-3661	325	2	cho	cho	NOUN
hassl-3661	325	3	,	,	PUNCT
hassl-3661	325	4	t.	t.	PROPN
hassl-3661	325	5	y.	y.	PROPN
hassl-3661	325	6	,	,	PUNCT
hassl-3661	325	7	&	&	CCONJ
hassl-3661	325	8	chen	chen	PROPN
hassl-3661	325	9	,	,	PUNCT
hassl-3661	325	10	y.	y.	PROPN
hassl-3661	325	11	s.	s.	PROPN
hassl-3661	325	12	(	(	PUNCT
hassl-3661	325	13	2021	2021	NUM
hassl-3661	325	14	)	)	PUNCT
hassl-3661	325	15	.	.	PUNCT
hassl-3661	326	1	the	the	DET
hassl-3661	326	2	impact	impact	NOUN
hassl-3661	326	3	of	of	ADP
hassl-3661	326	4	financial	financial	ADJ
hassl-3661	326	5	technology	technology	NOUN
hassl-3661	326	6	on	on	ADP
hassl-3661	326	7	china	china	PROPN
hassl-3661	326	8	’s	’s	PART
hassl-3661	326	9	banking	banking	NOUN
hassl-3661	326	10	industry	industry	NOUN
hassl-3661	326	11	:	:	PUNCT
hassl-3661	326	12	an	an	DET
hassl-3661	326	13	application	application	NOUN
hassl-3661	326	14	of	of	ADP
hassl-3661	326	15	the	the	DET
hassl-3661	326	16	metafrontier	metafrontier	NOUN
hassl-3661	326	17	cost	cost	VERB
hassl-3661	326	18	malmquist	malmquist	PROPN
hassl-3661	326	19	productivity	productivity	NOUN
hassl-3661	326	20	index	index	NOUN
hassl-3661	326	21	.	.	PUNCT
hassl-3661	327	1	the	the	DET
hassl-3661	327	2	north	north	ADJ
hassl-3661	327	3	american	american	PROPN
hassl-3661	327	4	journal	journal	PROPN
hassl-3661	327	5	of	of	ADP
hassl-3661	327	6	economics	economic	NOUN
hassl-3661	327	7	and	and	CCONJ
hassl-3661	327	8	finance	finance	NOUN
hassl-3661	327	9	,	,	PUNCT
hassl-3661	327	10	57	57	NUM
hassl-3661	327	11	,	,	PUNCT
hassl-3661	327	12	101414	101414	NUM
hassl-3661	327	13	.	.	PUNCT
hassl-3661	328	1	https://doi.org/10.1016/j.najef.2021.101414	https://doi.org/10.1016/j.najef.2021.101414	PROPN
hassl-3661	328	2	dadoukis	dadoukis	PROPN
hassl-3661	328	3	,	,	PUNCT
hassl-3661	328	4	a.	a.	NOUN
hassl-3661	328	5	,	,	PUNCT
hassl-3661	328	6	fiaschetti	fiaschetti	NOUN
hassl-3661	328	7	,	,	PUNCT
hassl-3661	328	8	m.	m.	NOUN
hassl-3661	328	9	,	,	PUNCT
hassl-3661	328	10	&	&	CCONJ
hassl-3661	328	11	fusi	fusi	PROPN
hassl-3661	328	12	,	,	PUNCT
hassl-3661	328	13	g.	g.	PROPN
hassl-3661	328	14	(	(	PUNCT
hassl-3661	328	15	2021	2021	NUM
hassl-3661	328	16	)	)	PUNCT
hassl-3661	328	17	.	.	PUNCT
hassl-3661	329	1	it	it	PRON
hassl-3661	329	2	adoption	adoption	NOUN
hassl-3661	329	3	and	and	CCONJ
hassl-3661	329	4	bank	bank	NOUN
hassl-3661	329	5	performance	performance	NOUN
hassl-3661	329	6	during	during	ADP
hassl-3661	329	7	the	the	DET
hassl-3661	329	8	covid-19	covid-19	PROPN
hassl-3661	329	9	pandemic	pandemic	NOUN
hassl-3661	329	10	.	.	PUNCT
hassl-3661	330	1	economics	economic	NOUN
hassl-3661	330	2	letters	letter	NOUN
hassl-3661	330	3	.	.	PUNCT
hassl-3661	331	1	204	204	NUM
hassl-3661	331	2	,	,	PUNCT
hassl-3661	331	3	109904	109904	NUM
hassl-3661	331	4	.	.	PUNCT
hassl-3661	332	1	https://doi.org/10.1016/j.econlet.2021.109904	https://doi.org/10.1016/j.econlet.2021.109904	PROPN
hassl-3661	332	2	darolles	darolles	PROPN
hassl-3661	332	3	,	,	PUNCT
hassl-3661	332	4	s.	s.	PROPN
hassl-3661	332	5	(	(	PUNCT
hassl-3661	332	6	2016	2016	NUM
hassl-3661	332	7	)	)	PUNCT
hassl-3661	332	8	.	.	PUNCT
hassl-3661	333	1	the	the	DET
hassl-3661	333	2	rise	rise	NOUN
hassl-3661	333	3	of	of	ADP
hassl-3661	333	4	fintechs	fintech	NOUN
hassl-3661	333	5	and	and	CCONJ
hassl-3661	333	6	their	their	PRON
hassl-3661	333	7	regulation	regulation	NOUN
hassl-3661	333	8	.	.	PUNCT
hassl-3661	334	1	financial	financial	ADJ
hassl-3661	334	2	stability	stability	PROPN
hassl-3661	334	3	review	review	PROPN
hassl-3661	334	4	,	,	PUNCT
hassl-3661	334	5	banque	banque	PROPN
hassl-3661	334	6	de	de	PROPN
hassl-3661	334	7	france	france	PROPN
hassl-3661	334	8	,	,	PUNCT
hassl-3661	334	9	20	20	NUM
hassl-3661	334	10	,	,	PUNCT
hassl-3661	334	11	85–92	85–92	NUM
hassl-3661	334	12	.	.	PUNCT
hassl-3661	334	13	dong	dong	PROPN
hassl-3661	334	14	,	,	PUNCT
hassl-3661	334	15	j.	j.	PROPN
hassl-3661	334	16	,	,	PUNCT
hassl-3661	334	17	yin	yin	PROPN
hassl-3661	334	18	,	,	PUNCT
hassl-3661	334	19	l.	l.	PROPN
hassl-3661	334	20	,	,	PUNCT
hassl-3661	334	21	liu	liu	PROPN
hassl-3661	334	22	,	,	PUNCT
hassl-3661	334	23	x.	x.	PROPN
hassl-3661	334	24	,	,	PUNCT
hassl-3661	334	25	hu	hu	PROPN
hassl-3661	334	26	,	,	PUNCT
hassl-3661	334	27	m.	m.	NOUN
hassl-3661	334	28	,	,	PUNCT
hassl-3661	334	29	li	li	PROPN
hassl-3661	334	30	,	,	PUNCT
hassl-3661	334	31	x.	x.	PROPN
hassl-3661	334	32	,	,	PUNCT
hassl-3661	334	33	&	&	CCONJ
hassl-3661	334	34	liu	liu	PROPN
hassl-3661	334	35	,	,	PUNCT
hassl-3661	334	36	l.	l.	PROPN
hassl-3661	334	37	(	(	PUNCT
hassl-3661	334	38	2020	2020	NUM
hassl-3661	334	39	)	)	PUNCT
hassl-3661	334	40	.	.	PUNCT
hassl-3661	335	1	impact	impact	NOUN
hassl-3661	335	2	of	of	ADP
hassl-3661	335	3	internet	internet	NOUN
hassl-3661	335	4	finance	finance	NOUN
hassl-3661	335	5	on	on	ADP
hassl-3661	335	6	the	the	DET
hassl-3661	335	7	performance	performance	NOUN
hassl-3661	335	8	of	of	ADP
hassl-3661	335	9	commercial	commercial	ADJ
hassl-3661	335	10	banks	bank	NOUN
hassl-3661	335	11	in	in	ADP
hassl-3661	335	12	china	china	PROPN
hassl-3661	335	13	.	.	PUNCT
hassl-3661	336	1	international	international	ADJ
hassl-3661	336	2	review	review	NOUN
hassl-3661	336	3	of	of	ADP
hassl-3661	336	4	financial	financial	ADJ
hassl-3661	336	5	analysis	analysis	NOUN
hassl-3661	336	6	,	,	PUNCT
hassl-3661	336	7	72	72	NUM
hassl-3661	336	8	,	,	PUNCT
hassl-3661	336	9	1–12	1–12	NOUN
hassl-3661	336	10	.	.	PUNCT
hassl-3661	337	1	https://doi.org/10.1016/j.irfa.2020.101579	https://doi.org/10.1016/j.irfa.2020.101579	ADJ
hassl-3661	337	2	elkmash	elkmash	PROPN
hassl-3661	337	3	,	,	PUNCT
hassl-3661	337	4	m.	m.	PROPN
hassl-3661	337	5	r.	r.	PROPN
hassl-3661	337	6	m.	m.	PROPN
hassl-3661	337	7	(	(	PUNCT
hassl-3661	337	8	2023	2023	NUM
hassl-3661	337	9	)	)	PUNCT
hassl-3661	337	10	.	.	PUNCT
hassl-3661	338	1	the	the	DET
hassl-3661	338	2	impact	impact	NOUN
hassl-3661	338	3	of	of	ADP
hassl-3661	338	4	financial	financial	ADJ
hassl-3661	338	5	inclusion	inclusion	NOUN
hassl-3661	338	6	on	on	ADP
hassl-3661	338	7	bank	bank	NOUN
hassl-3661	338	8	profitability	profitability	NOUN
hassl-3661	338	9	and	and	CCONJ
hassl-3661	338	10	economic	economic	ADJ
hassl-3661	338	11	growth	growth	NOUN
hassl-3661	338	12	:	:	PUNCT
hassl-3661	338	13	evidence	evidence	NOUN
hassl-3661	338	14	from	from	ADP
hassl-3661	338	15	egypt	egypt	PROPN
hassl-3661	338	16	.	.	PUNCT
hassl-3661	339	1	scientific	scientific	ADJ
hassl-3661	339	2	journal	journal	NOUN
hassl-3661	339	3	of	of	ADP
hassl-3661	339	4	financial	financial	ADJ
hassl-3661	339	5	and	and	CCONJ
hassl-3661	339	6	administrative	administrative	ADJ
hassl-3661	339	7	studies	study	NOUN
hassl-3661	339	8	and	and	CCONJ
hassl-3661	339	9	research	research	NOUN
hassl-3661	339	10	,	,	PUNCT
hassl-3661	339	11	15(1	15(1	NUM
hassl-3661	339	12	)	)	PUNCT
hassl-3661	339	13	,	,	PUNCT
hassl-3661	339	14	1	1	NUM
hassl-3661	339	15	-	-	SYM
hassl-3661	339	16	23	23	NUM
hassl-3661	339	17	.	.	PUNCT
hassl-3661	340	1	https://doi.org/10.21608/masf.2023.278303	https://doi.org/10.21608/masf.2023.278303	PROPN
hassl-3661	340	2	fan	fan	PROPN
hassl-3661	340	3	,	,	PUNCT
hassl-3661	340	4	w.	w.	PROPN
hassl-3661	340	5	,	,	PUNCT
hassl-3661	340	6	wallace	wallace	PROPN
hassl-3661	340	7	,	,	PUNCT
hassl-3661	340	8	l.	l.	PROPN
hassl-3661	340	9	,	,	PUNCT
hassl-3661	340	10	rich	rich	ADJ
hassl-3661	340	11	,	,	PUNCT
hassl-3661	340	12	s.	s.	PROPN
hassl-3661	340	13	,	,	PUNCT
hassl-3661	340	14	&	&	CCONJ
hassl-3661	340	15	zhang	zhang	PROPN
hassl-3661	340	16	,	,	PUNCT
hassl-3661	340	17	z.	z.	PROPN
hassl-3661	340	18	(	(	PUNCT
hassl-3661	340	19	2006	2006	NUM
hassl-3661	340	20	)	)	PUNCT
hassl-3661	340	21	.	.	PUNCT
hassl-3661	341	1	tapping	tap	VERB
hassl-3661	341	2	the	the	DET
hassl-3661	341	3	power	power	NOUN
hassl-3661	341	4	of	of	ADP
hassl-3661	341	5	text	text	NOUN
hassl-3661	341	6	mining	mining	NOUN
hassl-3661	341	7	.	.	PUNCT
hassl-3661	342	1	communications	communication	NOUN
hassl-3661	342	2	of	of	ADP
hassl-3661	342	3	the	the	DET
hassl-3661	342	4	acm	acm	NOUN
hassl-3661	342	5	,	,	PUNCT
hassl-3661	342	6	49	49	NUM
hassl-3661	342	7	,	,	PUNCT
hassl-3661	342	8	76–82	76–82	NUM
hassl-3661	342	9	.	.	PUNCT
hassl-3661	343	1	https://doi.org/10.1145/1151030.1151032	https://doi.org/10.1145/1151030.1151032	PRON
hassl-3661	343	2	https://doi.org/10.55493/5002.v12i5.4490	https://doi.org/10.55493/5002.v12i5.4490	PROPN
hassl-3661	343	3	https://doi.org/10.3390/risks11090153	https://doi.org/10.3390/risks11090153	VERB
hassl-3661	343	4	https://doi.org/10.1016/j.ijmst.2020.07.003	https://doi.org/10.1016/j.ijmst.2020.07.003	ADJ
hassl-3661	343	5	https://doi.org/10.1007/s13132-015-0326-8	https://doi.org/10.1007/s13132-015-0326-8	PRON
hassl-3661	344	1	https://link.springer.com/article/10.1007/s13132-022-00992-1	https://link.springer.com/article/10.1007/s13132-022-00992-1	INTJ
hassl-3661	344	2	https://link.springer.com/article/10.1007/s13132-022-00992-1	https://link.springer.com/article/10.1007/s13132-022-00992-1	PROPN
hassl-3661	344	3	https://doi.org/10.1142/s0218927516500103	https://doi.org/10.1142/s0218927516500103	NUM
hassl-3661	344	4	https://doi.org/10.1016/j.najef.2021.101414	https://doi.org/10.1016/j.najef.2021.101414	PROPN
hassl-3661	344	5	https://doi.org/10.1016/j.econlet.2021.109904	https://doi.org/10.1016/j.econlet.2021.109904	PROPN
hassl-3661	344	6	https://doi.org/10.1016/j.irfa.2020.101579	https://doi.org/10.1016/j.irfa.2020.101579	PROPN
hassl-3661	344	7	https://doi.org/10.21608/masf.2023.278303	https://doi.org/10.21608/masf.2023.278303	PROPN
hassl-3661	344	8	https://doi.org/10.1145/1151030.1151032	https://doi.org/10.1145/1151030.1151032	NUM
hassl-3661	344	9	humanities	humanity	NOUN
hassl-3661	344	10	and	and	CCONJ
hassl-3661	344	11	social	social	ADJ
hassl-3661	344	12	sciences	science	NOUN
hassl-3661	344	13	letters	letter	NOUN
hassl-3661	344	14	,	,	PUNCT
hassl-3661	344	15	2024	2024	NUM
hassl-3661	344	16	,	,	PUNCT
hassl-3661	344	17	12(2	12(2	NUM
hassl-3661	344	18	):	):	PUNCT
hassl-3661	344	19	176	176	NUM
hassl-3661	344	20	-	-	SYM
hassl-3661	344	21	188	188	NUM
hassl-3661	344	22	187	187	NUM
hassl-3661	344	23	©	©	PROPN
hassl-3661	344	24	2024	2024	NUM
hassl-3661	344	25	conscientia	conscientia	PROPN
hassl-3661	344	26	beam	beam	PROPN
hassl-3661	344	27	.	.	PUNCT
hassl-3661	345	1	all	all	DET
hassl-3661	345	2	rights	right	NOUN
hassl-3661	345	3	reserved	reserve	VERB
hassl-3661	345	4	.	.	PUNCT
hassl-3661	346	1	gellweiler	gellweiler	PROPN
hassl-3661	346	2	,	,	PUNCT
hassl-3661	346	3	c.	c.	PROPN
hassl-3661	346	4	,	,	PUNCT
hassl-3661	346	5	&	&	CCONJ
hassl-3661	346	6	krishnamurthi	krishnamurthi	PROPN
hassl-3661	346	7	,	,	PUNCT
hassl-3661	346	8	l.	l.	PROPN
hassl-3661	346	9	(	(	PUNCT
hassl-3661	346	10	2020	2020	NUM
hassl-3661	346	11	)	)	PUNCT
hassl-3661	346	12	.	.	PUNCT
hassl-3661	347	1	how	how	SCONJ
hassl-3661	347	2	digital	digital	ADJ
hassl-3661	347	3	innovators	innovator	NOUN
hassl-3661	347	4	achieve	achieve	VERB
hassl-3661	347	5	customer	customer	NOUN
hassl-3661	347	6	value	value	NOUN
hassl-3661	347	7	.	.	PUNCT
hassl-3661	348	1	multidisciplinary	multidisciplinary	ADJ
hassl-3661	348	2	digital	digital	PROPN
hassl-3661	348	3	publishing	publishing	PROPN
hassl-3661	348	4	institute	institute	NOUN
hassl-3661	348	5	,	,	PUNCT
hassl-3661	348	6	15(1	15(1	NUM
hassl-3661	348	7	)	)	PUNCT
hassl-3661	348	8	,	,	PUNCT
hassl-3661	348	9	1	1	NUM
hassl-3661	348	10	-	-	SYM
hassl-3661	348	11	8	8	NUM
hassl-3661	348	12	.	.	PUNCT
hassl-3661	349	1	hassan	hassan	PROPN
hassl-3661	349	2	,	,	PUNCT
hassl-3661	349	3	n.	n.	NOUN
hassl-3661	349	4	,	,	PUNCT
hassl-3661	349	5	&	&	CCONJ
hassl-3661	349	6	misrina	misrina	PROPN
hassl-3661	349	7	,	,	PUNCT
hassl-3661	349	8	a.	a.	NOUN
hassl-3661	349	9	p.	p.	NOUN
hassl-3661	349	10	(	(	PUNCT
hassl-3661	349	11	2021	2021	NUM
hassl-3661	349	12	)	)	PUNCT
hassl-3661	349	13	.	.	PUNCT
hassl-3661	350	1	impact	impact	NOUN
hassl-3661	350	2	of	of	ADP
hassl-3661	350	3	fintech	fintech	NOUN
hassl-3661	350	4	on	on	ADP
hassl-3661	350	5	work	work	NOUN
hassl-3661	350	6	from	from	ADP
hassl-3661	350	7	home	home	NOUN
hassl-3661	350	8	&	&	CCONJ
hassl-3661	350	9	mobile	mobile	ADJ
hassl-3661	350	10	banking	banking	NOUN
hassl-3661	350	11	operations	operation	NOUN
hassl-3661	350	12	:	:	PUNCT
hassl-3661	350	13	evidence	evidence	NOUN
hassl-3661	350	14	from	from	ADP
hassl-3661	350	15	islamic	islamic	ADJ
hassl-3661	350	16	banking	banking	NOUN
hassl-3661	350	17	sector	sector	NOUN
hassl-3661	350	18	during	during	ADP
hassl-3661	350	19	covid-19	covid-19	PROPN
hassl-3661	350	20	in	in	ADP
hassl-3661	350	21	sri	sri	PROPN
hassl-3661	350	22	lanka	lanka	PROPN
hassl-3661	350	23	.	.	PUNCT
hassl-3661	351	1	international	international	ADJ
hassl-3661	351	2	journal	journal	PROPN
hassl-3661	351	3	of	of	ADP
hassl-3661	351	4	business	business	NOUN
hassl-3661	351	5	,	,	PUNCT
hassl-3661	351	6	technology	technology	NOUN
hassl-3661	351	7	and	and	CCONJ
hassl-3661	351	8	organizational	organizational	ADJ
hassl-3661	351	9	behavior	behavior	NOUN
hassl-3661	351	10	,	,	PUNCT
hassl-3661	351	11	1(6	1(6	NUM
hassl-3661	351	12	)	)	PUNCT
hassl-3661	351	13	,	,	PUNCT
hassl-3661	351	14	433	433	NUM
hassl-3661	351	15	-	-	SYM
hassl-3661	351	16	446	446	NUM
hassl-3661	351	17	.	.	PUNCT
hassl-3661	352	1	hernando	hernando	PROPN
hassl-3661	352	2	,	,	PUNCT
hassl-3661	352	3	i.	i.	PROPN
hassl-3661	352	4	,	,	PUNCT
hassl-3661	352	5	&	&	CCONJ
hassl-3661	352	6	nieto	nieto	PROPN
hassl-3661	352	7	,	,	PUNCT
hassl-3661	352	8	m.	m.	NOUN
hassl-3661	352	9	(	(	PUNCT
hassl-3661	352	10	2007	2007	NUM
hassl-3661	352	11	)	)	PUNCT
hassl-3661	352	12	.	.	PUNCT
hassl-3661	352	13	is	be	AUX
hassl-3661	352	14	the	the	DET
hassl-3661	352	15	internet	internet	NOUN
hassl-3661	352	16	delivery	delivery	NOUN
hassl-3661	352	17	channel	channel	NOUN
hassl-3661	352	18	changing	change	VERB
hassl-3661	352	19	banks	bank	NOUN
hassl-3661	352	20	performance	performance	NOUN
hassl-3661	352	21	?	?	PUNCT
hassl-3661	353	1	the	the	DET
hassl-3661	353	2	case	case	NOUN
hassl-3661	353	3	of	of	ADP
hassl-3661	353	4	spanish	spanish	ADJ
hassl-3661	353	5	banks	bank	NOUN
hassl-3661	353	6	.	.	PUNCT
hassl-3661	354	1	journal	journal	PROPN
hassl-3661	354	2	of	of	ADP
hassl-3661	354	3	banking	banking	NOUN
hassl-3661	354	4	&	&	CCONJ
hassl-3661	354	5	finance	finance	PROPN
hassl-3661	354	6	,	,	PUNCT
hassl-3661	354	7	31	31	NUM
hassl-3661	354	8	,	,	PUNCT
hassl-3661	354	9	1083–1099	1083–1099	NUM
hassl-3661	354	10	.	.	PUNCT
hassl-3661	355	1	https://doi.org/10.1016/j.jbankfin.2006.10.011	https://doi.org/10.1016/j.jbankfin.2006.10.011	PROPN
hassl-3661	355	2	jarah	jarah	PROPN
hassl-3661	355	3	,	,	PUNCT
hassl-3661	355	4	b.	b.	PROPN
hassl-3661	355	5	a.	a.	PROPN
hassl-3661	355	6	f.	f.	PROPN
hassl-3661	355	7	,	,	PUNCT
hassl-3661	355	8	al	al	PROPN
hassl-3661	355	9	jarrah	jarrah	PROPN
hassl-3661	355	10	,	,	PUNCT
hassl-3661	355	11	m.	m.	NOUN
hassl-3661	355	12	a.	a.	PROPN
hassl-3661	355	13	,	,	PUNCT
hassl-3661	355	14	al	al	PROPN
hassl-3661	355	15	-	-	PUNCT
hassl-3661	355	16	zaqeba	zaqeba	PROPN
hassl-3661	355	17	,	,	PUNCT
hassl-3661	355	18	m.	m.	NOUN
hassl-3661	355	19	a.	a.	PROPN
hassl-3661	355	20	a.	a.	PROPN
hassl-3661	355	21	,	,	PUNCT
hassl-3661	355	22	&	&	CCONJ
hassl-3661	355	23	al	al	PROPN
hassl-3661	355	24	-	-	PUNCT
hassl-3661	355	25	jarrah	jarrah	PROPN
hassl-3661	355	26	,	,	PUNCT
hassl-3661	355	27	m.	m.	NOUN
hassl-3661	355	28	f.	f.	PROPN
hassl-3661	355	29	m.	m.	PROPN
hassl-3661	355	30	(	(	PUNCT
hassl-3661	355	31	2022	2022	NUM
hassl-3661	355	32	)	)	PUNCT
hassl-3661	355	33	.	.	PUNCT
hassl-3661	356	1	the	the	DET
hassl-3661	356	2	role	role	NOUN
hassl-3661	356	3	of	of	ADP
hassl-3661	356	4	internal	internal	ADJ
hassl-3661	356	5	audit	audit	NOUN
hassl-3661	356	6	to	to	PART
hassl-3661	356	7	reduce	reduce	VERB
hassl-3661	356	8	the	the	DET
hassl-3661	356	9	effects	effect	NOUN
hassl-3661	356	10	of	of	ADP
hassl-3661	356	11	creative	creative	ADJ
hassl-3661	356	12	accounting	accounting	NOUN
hassl-3661	356	13	on	on	ADP
hassl-3661	356	14	the	the	DET
hassl-3661	356	15	reliability	reliability	NOUN
hassl-3661	356	16	of	of	ADP
hassl-3661	356	17	financial	financial	ADJ
hassl-3661	356	18	statements	statement	NOUN
hassl-3661	356	19	in	in	ADP
hassl-3661	356	20	the	the	DET
hassl-3661	356	21	jordanian	jordanian	ADJ
hassl-3661	356	22	islamic	islamic	ADJ
hassl-3661	356	23	banks	bank	NOUN
hassl-3661	356	24	.	.	PUNCT
hassl-3661	357	1	international	international	ADJ
hassl-3661	357	2	journal	journal	PROPN
hassl-3661	357	3	of	of	ADP
hassl-3661	357	4	financial	financial	ADJ
hassl-3661	357	5	studies	study	NOUN
hassl-3661	357	6	,	,	PUNCT
hassl-3661	357	7	10(3	10(3	NUM
hassl-3661	357	8	)	)	PUNCT
hassl-3661	357	9	,	,	PUNCT
hassl-3661	357	10	60	60	NUM
hassl-3661	357	11	.	.	PUNCT
hassl-3661	358	1	https://doi.org/10.3390/ijfs10030060	https://doi.org/10.3390/ijfs10030060	NOUN
hassl-3661	358	2	jebril	jebril	NOUN
hassl-3661	358	3	,	,	PUNCT
hassl-3661	358	4	i.	i.	PROPN
hassl-3661	358	5	,	,	PUNCT
hassl-3661	358	6	almaslmani	almaslmani	PROPN
hassl-3661	358	7	,	,	PUNCT
hassl-3661	358	8	r.	r.	PROPN
hassl-3661	358	9	,	,	PUNCT
hassl-3661	358	10	jarah	jarah	PROPN
hassl-3661	358	11	,	,	PUNCT
hassl-3661	358	12	b.	b.	PROPN
hassl-3661	358	13	,	,	PUNCT
hassl-3661	358	14	mugableh	mugableh	NOUN
hassl-3661	358	15	,	,	PUNCT
hassl-3661	358	16	m.	m.	NOUN
hassl-3661	358	17	,	,	PUNCT
hassl-3661	358	18	&	&	CCONJ
hassl-3661	358	19	zaqeeba	zaqeeba	PROPN
hassl-3661	358	20	,	,	PUNCT
hassl-3661	358	21	n.	n.	NOUN
hassl-3661	358	22	(	(	PUNCT
hassl-3661	358	23	2023	2023	NUM
hassl-3661	358	24	)	)	PUNCT
hassl-3661	358	25	.	.	PUNCT
hassl-3661	359	1	the	the	DET
hassl-3661	359	2	impact	impact	NOUN
hassl-3661	359	3	of	of	ADP
hassl-3661	359	4	strategic	strategic	ADJ
hassl-3661	359	5	intelligence	intelligence	NOUN
hassl-3661	359	6	and	and	CCONJ
hassl-3661	359	7	asset	asset	NOUN
hassl-3661	359	8	management	management	NOUN
hassl-3661	359	9	on	on	ADP
hassl-3661	359	10	enhancing	enhance	VERB
hassl-3661	359	11	competitive	competitive	ADJ
hassl-3661	359	12	advantage	advantage	NOUN
hassl-3661	359	13	:	:	PUNCT
hassl-3661	359	14	the	the	DET
hassl-3661	359	15	mediating	mediate	VERB
hassl-3661	359	16	role	role	NOUN
hassl-3661	359	17	of	of	ADP
hassl-3661	359	18	cybersecurity	cybersecurity	NOUN
hassl-3661	359	19	.	.	PUNCT
hassl-3661	360	1	uncertain	uncertain	ADJ
hassl-3661	360	2	supply	supply	NOUN
hassl-3661	360	3	chain	chain	NOUN
hassl-3661	360	4	management	management	NOUN
hassl-3661	360	5	,	,	PUNCT
hassl-3661	360	6	11(3	11(3	NUM
hassl-3661	360	7	)	)	PUNCT
hassl-3661	360	8	,	,	PUNCT
hassl-3661	360	9	1041	1041	NUM
hassl-3661	360	10	-	-	SYM
hassl-3661	360	11	1046	1046	NUM
hassl-3661	360	12	.	.	PUNCT
hassl-3661	361	1	kalra	kalra	PROPN
hassl-3661	361	2	,	,	PUNCT
hassl-3661	361	3	d.	d.	PROPN
hassl-3661	361	4	(	(	PUNCT
hassl-3661	361	5	2019	2019	NUM
hassl-3661	361	6	)	)	PUNCT
hassl-3661	361	7	.	.	PUNCT
hassl-3661	362	1	overriding	override	VERB
hassl-3661	362	2	fintech	fintech	NOUN
hassl-3661	362	3	.	.	PUNCT
hassl-3661	363	1	paper	paper	NOUN
hassl-3661	363	2	presented	present	VERB
hassl-3661	363	3	at	at	ADP
hassl-3661	363	4	the	the	DET
hassl-3661	363	5	in	in	ADP
hassl-3661	363	6	2019	2019	NUM
hassl-3661	363	7	international	international	ADJ
hassl-3661	363	8	conference	conference	NOUN
hassl-3661	363	9	on	on	ADP
hassl-3661	363	10	digitization	digitization	NOUN
hassl-3661	363	11	,	,	PUNCT
hassl-3661	363	12	ieee	ieee	PROPN
hassl-3661	363	13	.	.	PUNCT
hassl-3661	364	1	kanapiyanova	kanapiyanova	PROPN
hassl-3661	364	2	,	,	PUNCT
hassl-3661	364	3	k.	k.	PROPN
hassl-3661	364	4	,	,	PUNCT
hassl-3661	364	5	faizulayev	faizulayev	PROPN
hassl-3661	364	6	,	,	PUNCT
hassl-3661	364	7	a.	a.	NOUN
hassl-3661	364	8	,	,	PUNCT
hassl-3661	364	9	ruzanov	ruzanov	PROPN
hassl-3661	364	10	,	,	PUNCT
hassl-3661	364	11	r.	r.	PROPN
hassl-3661	364	12	,	,	PUNCT
hassl-3661	364	13	ejdys	ejdys	PROPN
hassl-3661	364	14	,	,	PUNCT
hassl-3661	364	15	j.	j.	PROPN
hassl-3661	364	16	,	,	PUNCT
hassl-3661	364	17	kulumbetova	kulumbetova	PROPN
hassl-3661	364	18	,	,	PUNCT
hassl-3661	364	19	d.	d.	PROPN
hassl-3661	364	20	,	,	PUNCT
hassl-3661	364	21	&	&	CCONJ
hassl-3661	364	22	elbadri	elbadri	PROPN
hassl-3661	364	23	,	,	PUNCT
hassl-3661	364	24	m.	m.	NOUN
hassl-3661	364	25	(	(	PUNCT
hassl-3661	364	26	2023	2023	NUM
hassl-3661	364	27	)	)	PUNCT
hassl-3661	364	28	.	.	PUNCT
hassl-3661	365	1	does	do	VERB
hassl-3661	365	2	social	social	ADJ
hassl-3661	365	3	and	and	CCONJ
hassl-3661	365	4	governmental	governmental	ADJ
hassl-3661	365	5	responsibility	responsibility	NOUN
hassl-3661	365	6	matter	matter	NOUN
hassl-3661	365	7	for	for	ADP
hassl-3661	365	8	financial	financial	ADJ
hassl-3661	365	9	stability	stability	NOUN
hassl-3661	365	10	and	and	CCONJ
hassl-3661	365	11	bank	bank	NOUN
hassl-3661	365	12	profitability	profitability	NOUN
hassl-3661	365	13	?	?	PUNCT
hassl-3661	366	1	evidence	evidence	NOUN
hassl-3661	366	2	from	from	ADP
hassl-3661	366	3	commercial	commercial	ADJ
hassl-3661	366	4	and	and	CCONJ
hassl-3661	366	5	islamic	islamic	ADJ
hassl-3661	366	6	banks	bank	NOUN
hassl-3661	366	7	.	.	PUNCT
hassl-3661	367	1	journal	journal	PROPN
hassl-3661	367	2	of	of	ADP
hassl-3661	367	3	islamic	islamic	PROPN
hassl-3661	367	4	accounting	accounting	PROPN
hassl-3661	367	5	and	and	CCONJ
hassl-3661	367	6	business	business	NOUN
hassl-3661	367	7	research	research	NOUN
hassl-3661	367	8	,	,	PUNCT
hassl-3661	367	9	14(3	14(3	NUM
hassl-3661	367	10	)	)	PUNCT
hassl-3661	367	11	,	,	PUNCT
hassl-3661	367	12	451	451	NUM
hassl-3661	367	13	-	-	SYM
hassl-3661	367	14	472	472	NUM
hassl-3661	367	15	.	.	PUNCT
hassl-3661	368	1	https://doi.org/10.1108/jiabr-01-2022-0004	https://doi.org/10.1108/jiabr-01-2022-0004	PROPN
hassl-3661	368	2	kou	kou	PROPN
hassl-3661	368	3	,	,	PUNCT
hassl-3661	368	4	g.	g.	PROPN
hassl-3661	368	5	,	,	PUNCT
hassl-3661	368	6	olgu	olgu	ADJ
hassl-3661	368	7	akdeniz	akdeniz	PROPN
hassl-3661	368	8	,	,	PUNCT
hassl-3661	368	9	ö.	ö.	PROPN
hassl-3661	368	10	,	,	PUNCT
hassl-3661	368	11	dinçer	dinçer	PROPN
hassl-3661	368	12	,	,	PUNCT
hassl-3661	368	13	h.	h.	PROPN
hassl-3661	368	14	,	,	PUNCT
hassl-3661	368	15	&	&	CCONJ
hassl-3661	368	16	yüksel	yüksel	PROPN
hassl-3661	368	17	,	,	PUNCT
hassl-3661	368	18	s.	s.	PROPN
hassl-3661	368	19	(	(	PUNCT
hassl-3661	368	20	2021	2021	NUM
hassl-3661	368	21	)	)	PUNCT
hassl-3661	368	22	.	.	PUNCT
hassl-3661	369	1	fintech	fintech	NOUN
hassl-3661	369	2	investments	investment	NOUN
hassl-3661	369	3	in	in	ADP
hassl-3661	369	4	european	european	ADJ
hassl-3661	369	5	banks	bank	NOUN
hassl-3661	369	6	:	:	PUNCT
hassl-3661	369	7	a	a	DET
hassl-3661	369	8	hybrid	hybrid	ADJ
hassl-3661	369	9	it2	it2	NOUN
hassl-3661	369	10	fuzzy	fuzzy	ADJ
hassl-3661	369	11	multidimensional	multidimensional	ADJ
hassl-3661	369	12	decision	decision	NOUN
hassl-3661	369	13	-	-	PUNCT
hassl-3661	369	14	making	make	VERB
hassl-3661	369	15	approach	approach	NOUN
hassl-3661	369	16	.	.	PUNCT
hassl-3661	370	1	financial	financial	ADJ
hassl-3661	370	2	innovation	innovation	NOUN
hassl-3661	370	3	,	,	PUNCT
hassl-3661	370	4	7(1	7(1	NUM
hassl-3661	370	5	)	)	PUNCT
hassl-3661	370	6	,	,	PUNCT
hassl-3661	370	7	39	39	NUM
hassl-3661	370	8	.	.	PUNCT
hassl-3661	371	1	https://doi.org/10.1186/s40854-02100256-y	https://doi.org/10.1186/s40854-02100256-y	NOUN
hassl-3661	371	2	krejcie	krejcie	PROPN
hassl-3661	371	3	,	,	PUNCT
hassl-3661	371	4	r.	r.	PROPN
hassl-3661	371	5	v.	v.	PROPN
hassl-3661	371	6	,	,	PUNCT
hassl-3661	371	7	&	&	CCONJ
hassl-3661	371	8	morgan	morgan	PROPN
hassl-3661	371	9	,	,	PUNCT
hassl-3661	371	10	d.	d.	PROPN
hassl-3661	371	11	w.	w.	PROPN
hassl-3661	371	12	(	(	PUNCT
hassl-3661	371	13	1970	1970	NUM
hassl-3661	371	14	)	)	PUNCT
hassl-3661	371	15	.	.	PUNCT
hassl-3661	372	1	determining	determine	VERB
hassl-3661	372	2	sample	sample	NOUN
hassl-3661	372	3	size	size	NOUN
hassl-3661	372	4	for	for	ADP
hassl-3661	372	5	research	research	NOUN
hassl-3661	372	6	activities	activity	NOUN
hassl-3661	372	7	.	.	PUNCT
hassl-3661	373	1	educational	educational	ADJ
hassl-3661	373	2	and	and	CCONJ
hassl-3661	373	3	psychological	psychological	ADJ
hassl-3661	373	4	measurement	measurement	NOUN
hassl-3661	373	5	,	,	PUNCT
hassl-3661	373	6	30(3	30(3	NUM
hassl-3661	373	7	)	)	PUNCT
hassl-3661	373	8	,	,	PUNCT
hassl-3661	373	9	607	607	NUM
hassl-3661	373	10	-	-	SYM
hassl-3661	373	11	610	610	NUM
hassl-3661	373	12	.	.	PUNCT
hassl-3661	374	1	kriebel	kriebel	PROPN
hassl-3661	374	2	,	,	PUNCT
hassl-3661	374	3	j.	j.	PROPN
hassl-3661	374	4	,	,	PUNCT
hassl-3661	374	5	&	&	CCONJ
hassl-3661	374	6	debener	debener	PROPN
hassl-3661	374	7	,	,	PUNCT
hassl-3661	374	8	j.	j.	PROPN
hassl-3661	374	9	(	(	PUNCT
hassl-3661	374	10	2019	2019	NUM
hassl-3661	374	11	)	)	PUNCT
hassl-3661	374	12	.	.	PUNCT
hassl-3661	375	1	the	the	DET
hassl-3661	375	2	effect	effect	NOUN
hassl-3661	375	3	of	of	ADP
hassl-3661	375	4	digital	digital	ADJ
hassl-3661	375	5	transformation	transformation	NOUN
hassl-3661	375	6	on	on	ADP
hassl-3661	375	7	bank	bank	NOUN
hassl-3661	375	8	performance	performance	NOUN
hassl-3661	375	9	.	.	PUNCT
hassl-3661	376	1	available	available	ADJ
hassl-3661	376	2	at	at	ADP
hassl-3661	376	3	ssrn	ssrn	NOUN
hassl-3661	376	4	3461594	3461594	NUM
hassl-3661	376	5	.	.	PUNCT
hassl-3661	377	1	https://doi.org/10.2139/ssrn.3461594	https://doi.org/10.2139/ssrn.3461594	X
hassl-3661	377	2	le	le	PROPN
hassl-3661	377	3	,	,	PUNCT
hassl-3661	377	4	t.	t.	PROPN
hassl-3661	377	5	d.	d.	PROPN
hassl-3661	377	6	,	,	PUNCT
hassl-3661	377	7	&	&	CCONJ
hassl-3661	377	8	ngo	ngo	PROPN
hassl-3661	377	9	,	,	PUNCT
hassl-3661	377	10	t.	t.	PROPN
hassl-3661	377	11	(	(	PUNCT
hassl-3661	377	12	2020	2020	NUM
hassl-3661	377	13	)	)	PUNCT
hassl-3661	377	14	.	.	PUNCT
hassl-3661	378	1	the	the	DET
hassl-3661	378	2	determinants	determinant	NOUN
hassl-3661	378	3	of	of	ADP
hassl-3661	378	4	bank	bank	NOUN
hassl-3661	378	5	profitability	profitability	NOUN
hassl-3661	378	6	:	:	PUNCT
hassl-3661	378	7	a	a	DET
hassl-3661	378	8	cross	cross	ADJ
hassl-3661	378	9	-	-	ADJ
hassl-3661	378	10	country	country	ADJ
hassl-3661	378	11	analysis	analysis	NOUN
hassl-3661	378	12	.	.	PUNCT
hassl-3661	379	1	central	central	PROPN
hassl-3661	379	2	bank	bank	PROPN
hassl-3661	379	3	review	review	PROPN
hassl-3661	379	4	,	,	PUNCT
hassl-3661	379	5	20(2	20(2	NUM
hassl-3661	379	6	)	)	PUNCT
hassl-3661	379	7	,	,	PUNCT
hassl-3661	379	8	65	65	NUM
hassl-3661	379	9	-	-	SYM
hassl-3661	379	10	73	73	NUM
hassl-3661	379	11	.	.	PUNCT
hassl-3661	380	1	https://doi.org/10.1016/j.cbrev.2020.04.001	https://doi.org/10.1016/j.cbrev.2020.04.001	PROPN
hassl-3661	380	2	marsh	marsh	PROPN
hassl-3661	380	3	,	,	PUNCT
hassl-3661	380	4	w.	w.	PROPN
hassl-3661	380	5	b.	b.	PROPN
hassl-3661	380	6	,	,	PUNCT
hassl-3661	380	7	&	&	CCONJ
hassl-3661	380	8	sharma	sharma	PROPN
hassl-3661	380	9	,	,	PUNCT
hassl-3661	380	10	p.	p.	NOUN
hassl-3661	380	11	(	(	PUNCT
hassl-3661	380	12	2021	2021	NUM
hassl-3661	380	13	)	)	PUNCT
hassl-3661	380	14	.	.	PUNCT
hassl-3661	381	1	government	government	NOUN
hassl-3661	381	2	loan	loan	NOUN
hassl-3661	381	3	guarantees	guarantee	NOUN
hassl-3661	381	4	during	during	ADP
hassl-3661	381	5	a	a	DET
hassl-3661	381	6	crisis	crisis	NOUN
hassl-3661	381	7	:	:	PUNCT
hassl-3661	381	8	the	the	DET
hassl-3661	381	9	effect	effect	NOUN
hassl-3661	381	10	of	of	ADP
hassl-3661	381	11	the	the	DET
hassl-3661	381	12	ppp	ppp	NOUN
hassl-3661	381	13	on	on	ADP
hassl-3661	381	14	bank	bank	NOUN
hassl-3661	381	15	lending	lending	NOUN
hassl-3661	381	16	and	and	CCONJ
hassl-3661	381	17	profitability	profitability	NOUN
hassl-3661	381	18	.	.	PUNCT
hassl-3661	382	1	federal	federal	ADJ
hassl-3661	382	2	research	research	PROPN
hassl-3661	382	3	bank	bank	PROPN
hassl-3661	382	4	of	of	ADP
hassl-3661	382	5	kansas	kansas	PROPN
hassl-3661	382	6	city	city	PROPN
hassl-3661	382	7	.	.	PUNCT
hassl-3661	383	1	retrieved	retrieve	VERB
hassl-3661	383	2	from	from	ADP
hassl-3661	383	3	http://doi.org/10.18651/rwp2021-03	http://doi.org/10.18651/rwp2021-03	PROPN
hassl-3661	383	4	medyawati	medyawati	PROPN
hassl-3661	383	5	,	,	PUNCT
hassl-3661	383	6	h.	h.	PROPN
hassl-3661	383	7	,	,	PUNCT
hassl-3661	383	8	yunanto	yunanto	PROPN
hassl-3661	383	9	,	,	PUNCT
hassl-3661	383	10	m.	m.	NOUN
hassl-3661	383	11	,	,	PUNCT
hassl-3661	383	12	&	&	CCONJ
hassl-3661	383	13	hegarini	hegarini	PROPN
hassl-3661	383	14	,	,	PUNCT
hassl-3661	383	15	e.	e.	PROPN
hassl-3661	383	16	(	(	PUNCT
hassl-3661	383	17	2021	2021	NUM
hassl-3661	383	18	)	)	PUNCT
hassl-3661	383	19	.	.	PUNCT
hassl-3661	384	1	financial	financial	ADJ
hassl-3661	384	2	technology	technology	NOUN
hassl-3661	384	3	as	as	ADP
hassl-3661	384	4	determinants	determinant	NOUN
hassl-3661	384	5	of	of	ADP
hassl-3661	384	6	bank	bank	NOUN
hassl-3661	384	7	profitability	profitability	NOUN
hassl-3661	384	8	.	.	PUNCT
hassl-3661	385	1	journal	journal	PROPN
hassl-3661	385	2	of	of	ADP
hassl-3661	385	3	economics	economic	NOUN
hassl-3661	385	4	,	,	PUNCT
hassl-3661	385	5	finance	finance	NOUN
hassl-3661	385	6	and	and	CCONJ
hassl-3661	385	7	accounting	accounting	NOUN
hassl-3661	385	8	studies	study	NOUN
hassl-3661	385	9	,	,	PUNCT
hassl-3661	385	10	3(2	3(2	NUM
hassl-3661	385	11	)	)	PUNCT
hassl-3661	385	12	,	,	PUNCT
hassl-3661	385	13	91	91	NUM
hassl-3661	385	14	-	-	SYM
hassl-3661	385	15	100	100	NUM
hassl-3661	385	16	.	.	PUNCT
hassl-3661	386	1	murniati	murniati	PROPN
hassl-3661	386	2	,	,	PUNCT
hassl-3661	386	3	s.	s.	PROPN
hassl-3661	386	4	,	,	PUNCT
hassl-3661	386	5	mus	mus	PROPN
hassl-3661	386	6	,	,	PUNCT
hassl-3661	386	7	h.	h.	PROPN
hassl-3661	386	8	a.	a.	PROPN
hassl-3661	386	9	r.	r.	PROPN
hassl-3661	386	10	,	,	PUNCT
hassl-3661	386	11	semmaila	semmaila	PROPN
hassl-3661	386	12	,	,	PUNCT
hassl-3661	386	13	h.	h.	PROPN
hassl-3661	386	14	b.	b.	PROPN
hassl-3661	386	15	,	,	PUNCT
hassl-3661	386	16	&	&	CCONJ
hassl-3661	386	17	nur	nur	PROPN
hassl-3661	386	18	,	,	PUNCT
hassl-3661	386	19	a.	a.	NOUN
hassl-3661	386	20	n.	n.	NOUN
hassl-3661	386	21	(	(	PUNCT
hassl-3661	386	22	2019	2019	NUM
hassl-3661	386	23	)	)	PUNCT
hassl-3661	386	24	.	.	PUNCT
hassl-3661	387	1	effect	effect	NOUN
hassl-3661	387	2	of	of	ADP
hassl-3661	387	3	investment	investment	NOUN
hassl-3661	387	4	decisions	decision	NOUN
hassl-3661	387	5	,	,	PUNCT
hassl-3661	387	6	financing	financing	NOUN
hassl-3661	387	7	decisions	decision	NOUN
hassl-3661	387	8	and	and	CCONJ
hassl-3661	387	9	dividend	dividend	NOUN
hassl-3661	387	10	policy	policy	NOUN
hassl-3661	387	11	on	on	ADP
hassl-3661	387	12	profitability	profitability	NOUN
hassl-3661	387	13	and	and	CCONJ
hassl-3661	387	14	value	value	NOUN
hassl-3661	387	15	of	of	ADP
hassl-3661	387	16	the	the	DET
hassl-3661	387	17	firm	firm	NOUN
hassl-3661	387	18	.	.	PUNCT
hassl-3661	388	1	international	international	ADJ
hassl-3661	388	2	journal	journal	PROPN
hassl-3661	388	3	of	of	ADP
hassl-3661	388	4	accounting	accounting	PROPN
hassl-3661	388	5	&	&	CCONJ
hassl-3661	388	6	finance	finance	PROPN
hassl-3661	388	7	in	in	ADP
hassl-3661	388	8	asia	asia	PROPN
hassl-3661	388	9	pasific	pasific	NOUN
hassl-3661	388	10	,	,	PUNCT
hassl-3661	388	11	2(1	2(1	NUM
hassl-3661	388	12	)	)	PUNCT
hassl-3661	388	13	,	,	PUNCT
hassl-3661	388	14	1	1	NUM
hassl-3661	388	15	-	-	SYM
hassl-3661	388	16	10	10	NUM
hassl-3661	388	17	.	.	PUNCT
hassl-3661	389	1	https://doi.org/10.32535/ijafap.v2i1.359	https://doi.org/10.32535/ijafap.v2i1.359	ADV
hassl-3661	389	2	naimi	naimi	ADJ
hassl-3661	389	3	-	-	PUNCT
hassl-3661	389	4	sadigh	sadigh	ADJ
hassl-3661	389	5	,	,	PUNCT
hassl-3661	389	6	a.	a.	NOUN
hassl-3661	389	7	,	,	PUNCT
hassl-3661	389	8	asgari	asgari	PROPN
hassl-3661	389	9	,	,	PUNCT
hassl-3661	389	10	t.	t.	PROPN
hassl-3661	389	11	,	,	PUNCT
hassl-3661	389	12	&	&	CCONJ
hassl-3661	389	13	rabiei	rabiei	PROPN
hassl-3661	389	14	,	,	PUNCT
hassl-3661	389	15	m.	m.	NOUN
hassl-3661	389	16	(	(	PUNCT
hassl-3661	389	17	2021	2021	NUM
hassl-3661	389	18	)	)	PUNCT
hassl-3661	389	19	.	.	PUNCT
hassl-3661	390	1	digital	digital	ADJ
hassl-3661	390	2	transformation	transformation	NOUN
hassl-3661	390	3	in	in	ADP
hassl-3661	390	4	the	the	DET
hassl-3661	390	5	value	value	NOUN
hassl-3661	390	6	chain	chain	NOUN
hassl-3661	390	7	disruption	disruption	NOUN
hassl-3661	390	8	of	of	ADP
hassl-3661	390	9	banking	banking	NOUN
hassl-3661	390	10	services	service	NOUN
hassl-3661	390	11	.	.	PUNCT
hassl-3661	391	1	journal	journal	NOUN
hassl-3661	391	2	of	of	ADP
hassl-3661	391	3	the	the	DET
hassl-3661	391	4	knowledge	knowledge	NOUN
hassl-3661	391	5	economy	economy	NOUN
hassl-3661	391	6	,	,	PUNCT
hassl-3661	391	7	1	1	NUM
hassl-3661	391	8	-	-	SYM
hassl-3661	391	9	31	31	NUM
hassl-3661	391	10	.	.	PUNCT
hassl-3661	392	1	https://doi.org/10.1007/s13132-021-00759-0	https://doi.org/10.1007/s13132-021-00759-0	VERB
hassl-3661	392	2	nambisan	nambisan	ADJ
hassl-3661	392	3	,	,	PUNCT
hassl-3661	392	4	s.	s.	PROPN
hassl-3661	392	5	,	,	PUNCT
hassl-3661	392	6	wright	wright	PROPN
hassl-3661	392	7	,	,	PUNCT
hassl-3661	392	8	m.	m.	NOUN
hassl-3661	392	9	,	,	PUNCT
hassl-3661	392	10	&	&	CCONJ
hassl-3661	392	11	feldman	feldman	PROPN
hassl-3661	392	12	,	,	PUNCT
hassl-3661	392	13	m.	m.	NOUN
hassl-3661	392	14	(	(	PUNCT
hassl-3661	392	15	2019	2019	NUM
hassl-3661	392	16	)	)	PUNCT
hassl-3661	392	17	.	.	PUNCT
hassl-3661	393	1	the	the	DET
hassl-3661	393	2	digital	digital	ADJ
hassl-3661	393	3	transformation	transformation	NOUN
hassl-3661	393	4	of	of	ADP
hassl-3661	393	5	innovation	innovation	NOUN
hassl-3661	393	6	and	and	CCONJ
hassl-3661	393	7	entrepreneurship	entrepreneurship	NOUN
hassl-3661	393	8	:	:	PUNCT
hassl-3661	393	9	progress	progress	NOUN
hassl-3661	393	10	,	,	PUNCT
hassl-3661	393	11	challenges	challenge	NOUN
hassl-3661	393	12	and	and	CCONJ
hassl-3661	393	13	key	key	ADJ
hassl-3661	393	14	themes	theme	NOUN
hassl-3661	393	15	.	.	PUNCT
hassl-3661	394	1	research	research	NOUN
hassl-3661	394	2	policy	policy	NOUN
hassl-3661	394	3	,	,	PUNCT
hassl-3661	394	4	48(8	48(8	NUM
hassl-3661	394	5	)	)	PUNCT
hassl-3661	394	6	,	,	PUNCT
hassl-3661	394	7	103773	103773	NUM
hassl-3661	394	8	.	.	PUNCT
hassl-3661	395	1	nawafleh	nawafleh	PROPN
hassl-3661	395	2	,	,	PUNCT
hassl-3661	395	3	s.	s.	PROPN
hassl-3661	395	4	a.	a.	PROPN
hassl-3661	395	5	(	(	PUNCT
hassl-3661	395	6	2015	2015	NUM
hassl-3661	395	7	)	)	PUNCT
hassl-3661	395	8	.	.	PUNCT
hassl-3661	396	1	the	the	DET
hassl-3661	396	2	effect	effect	NOUN
hassl-3661	396	3	of	of	ADP
hassl-3661	396	4	information	information	NOUN
hassl-3661	396	5	technology	technology	NOUN
hassl-3661	396	6	on	on	ADP
hassl-3661	396	7	the	the	DET
hassl-3661	396	8	bank	bank	NOUN
hassl-3661	396	9	profitability	profitability	NOUN
hassl-3661	396	10	imperial	imperial	ADJ
hassl-3661	396	11	study	study	NOUN
hassl-3661	396	12	of	of	ADP
hassl-3661	396	13	jordanian	jordanian	ADJ
hassl-3661	396	14	banks	bank	NOUN
hassl-3661	396	15	.	.	PUNCT
hassl-3661	397	1	international	international	ADJ
hassl-3661	397	2	journal	journal	PROPN
hassl-3661	397	3	of	of	ADP
hassl-3661	397	4	business	business	NOUN
hassl-3661	397	5	and	and	CCONJ
hassl-3661	397	6	management	management	NOUN
hassl-3661	397	7	,	,	PUNCT
hassl-3661	397	8	10(2	10(2	NUM
hassl-3661	397	9	)	)	PUNCT
hassl-3661	397	10	,	,	PUNCT
hassl-3661	397	11	1	1	NUM
hassl-3661	397	12	-	-	SYM
hassl-3661	397	13	7	7	NUM
hassl-3661	397	14	.	.	NUM
hassl-3661	397	15	nicoletti	nicoletti	PROPN
hassl-3661	397	16	,	,	PUNCT
hassl-3661	397	17	b.	b.	PROPN
hassl-3661	397	18	(	(	PUNCT
hassl-3661	397	19	2021	2021	NUM
hassl-3661	397	20	)	)	PUNCT
hassl-3661	397	21	.	.	PUNCT
hassl-3661	398	1	banking	bank	VERB
hassl-3661	398	2	5.0	5.0	NUM
hassl-3661	398	3	:	:	PUNCT
hassl-3661	398	4	how	how	SCONJ
hassl-3661	398	5	fintech	fintech	NOUN
hassl-3661	398	6	will	will	AUX
hassl-3661	398	7	change	change	VERB
hassl-3661	398	8	traditional	traditional	ADJ
hassl-3661	398	9	banks	bank	NOUN
hassl-3661	398	10	in	in	ADP
hassl-3661	398	11	the'new	the'new	ADJ
hassl-3661	398	12	normal'post	normal'post	VERB
hassl-3661	398	13	pandemic	pandemic	ADJ
hassl-3661	398	14	:	:	PUNCT
hassl-3661	398	15	springer	springer	NOUN
hassl-3661	398	16	nature	nature	NOUN
hassl-3661	398	17	.	.	PUNCT
hassl-3661	399	1	nugroho	nugroho	NOUN
hassl-3661	399	2	,	,	PUNCT
hassl-3661	399	3	h.	h.	PROPN
hassl-3661	399	4	h.	h.	PROPN
hassl-3661	399	5	,	,	PUNCT
hassl-3661	399	6	&	&	CCONJ
hassl-3661	399	7	sugiyanto	sugiyanto	PROPN
hassl-3661	399	8	,	,	PUNCT
hassl-3661	399	9	f.	f.	PROPN
hassl-3661	399	10	x.	x.	PROPN
hassl-3661	399	11	(	(	PUNCT
hassl-3661	399	12	2023	2023	NUM
hassl-3661	399	13	)	)	PUNCT
hassl-3661	399	14	.	.	PUNCT
hassl-3661	400	1	the	the	DET
hassl-3661	400	2	impact	impact	NOUN
hassl-3661	400	3	of	of	ADP
hassl-3661	400	4	financial	financial	ADJ
hassl-3661	400	5	technology	technology	NOUN
hassl-3661	400	6	on	on	ADP
hassl-3661	400	7	banking	banking	NOUN
hassl-3661	400	8	profitability	profitability	NOUN
hassl-3661	400	9	.	.	PUNCT
hassl-3661	401	1	ikraith	ikraith	NOUN
hassl-3661	401	2	-	-	PUNCT
hassl-3661	401	3	ekonomika	ekonomika	NOUN
hassl-3661	401	4	,	,	PUNCT
hassl-3661	401	5	6(2	6(2	NUM
hassl-3661	401	6	)	)	PUNCT
hassl-3661	401	7	,	,	PUNCT
hassl-3661	401	8	255	255	NUM
hassl-3661	401	9	-	-	SYM
hassl-3661	401	10	264	264	NUM
hassl-3661	401	11	.	.	PUNCT
hassl-3661	402	1	https://doi.org/10.37817/ikraith-ekonomika.v6i2.2372	https://doi.org/10.37817/ikraith-ekonomika.v6i2.2372	PROPN
hassl-3661	402	2	otilah	otilah	PROPN
hassl-3661	402	3	,	,	PUNCT
hassl-3661	402	4	g.	g.	PROPN
hassl-3661	402	5	o.	o.	PROPN
hassl-3661	402	6	,	,	PUNCT
hassl-3661	402	7	nyagol	nyagol	NOUN
hassl-3661	402	8	,	,	PUNCT
hassl-3661	402	9	m.	m.	NOUN
hassl-3661	402	10	,	,	PUNCT
hassl-3661	402	11	&	&	CCONJ
hassl-3661	402	12	koech	koech	PROPN
hassl-3661	402	13	,	,	PUNCT
hassl-3661	402	14	c.	c.	PROPN
hassl-3661	402	15	s.	s.	PROPN
hassl-3661	402	16	(	(	PUNCT
hassl-3661	402	17	2019	2019	NUM
hassl-3661	402	18	)	)	PUNCT
hassl-3661	402	19	.	.	PUNCT
hassl-3661	403	1	effects	effect	NOUN
hassl-3661	403	2	of	of	ADP
hassl-3661	403	3	mobile	mobile	ADJ
hassl-3661	403	4	money	money	NOUN
hassl-3661	403	5	transfer	transfer	NOUN
hassl-3661	403	6	operational	operational	ADJ
hassl-3661	403	7	costs	cost	NOUN
hassl-3661	403	8	on	on	ADP
hassl-3661	403	9	profitability	profitability	NOUN
hassl-3661	403	10	of	of	ADP
hassl-3661	403	11	medium	medium	ADJ
hassl-3661	403	12	and	and	CCONJ
hassl-3661	403	13	small	small	ADJ
hassl-3661	403	14	enterprises	enterprise	NOUN
hassl-3661	403	15	in	in	ADP
hassl-3661	403	16	oyugis	oyugis	ADJ
hassl-3661	403	17	township	township	NOUN
hassl-3661	403	18	.	.	PUNCT
hassl-3661	404	1	kenya	kenya	PROPN
hassl-3661	404	2	:	:	PUNCT
hassl-3661	404	3	homabay	homabay	PROPN
hassl-3661	404	4	county	county	PROPN
hassl-3661	404	5	.	.	PUNCT
hassl-3661	405	1	https://doi.org/10.1016/j.jbankfin.2006.10.011	https://doi.org/10.1016/j.jbankfin.2006.10.011	PROPN
hassl-3661	405	2	https://doi.org/10.3390/ijfs10030060	https://doi.org/10.3390/ijfs10030060	PROPN
hassl-3661	405	3	https://doi.org/10.1108/jiabr-01-2022-0004	https://doi.org/10.1108/jiabr-01-2022-0004	PROPN
hassl-3661	406	1	https://doi.org/10.1186/s40854-021-00256-y	https://doi.org/10.1186/s40854-021-00256-y	PROPN
hassl-3661	406	2	https://doi.org/10.1186/s40854-021-00256-y	https://doi.org/10.1186/s40854-021-00256-y	PROPN
hassl-3661	406	3	https://doi.org/10.2139/ssrn.3461594	https://doi.org/10.2139/ssrn.3461594	X
hassl-3661	406	4	https://doi.org/10.1016/j.cbrev.2020.04.001	https://doi.org/10.1016/j.cbrev.2020.04.001	PROPN
hassl-3661	406	5	http://doi.org/10.18651/rwp2021-03	http://doi.org/10.18651/rwp2021-03	PROPN
hassl-3661	406	6	https://doi.org/10.32535/ijafap.v2i1.359	https://doi.org/10.32535/ijafap.v2i1.359	ADV
hassl-3661	406	7	https://doi.org/10.1007/s13132-021-00759-0	https://doi.org/10.1007/s13132-021-00759-0	NUM
hassl-3661	406	8	https://doi.org/10.37817/ikraith-ekonomika.v6i2.2372	https://doi.org/10.37817/ikraith-ekonomika.v6i2.2372	NOUN
hassl-3661	406	9	humanities	humanity	NOUN
hassl-3661	406	10	and	and	CCONJ
hassl-3661	406	11	social	social	ADJ
hassl-3661	406	12	sciences	science	NOUN
hassl-3661	406	13	letters	letter	NOUN
hassl-3661	406	14	,	,	PUNCT
hassl-3661	406	15	2024	2024	NUM
hassl-3661	406	16	,	,	PUNCT
hassl-3661	406	17	12(2	12(2	NUM
hassl-3661	406	18	):	):	PUNCT
hassl-3661	406	19	176	176	NUM
hassl-3661	406	20	-	-	SYM
hassl-3661	406	21	188	188	NUM
hassl-3661	406	22	188	188	NUM
hassl-3661	406	23	©	©	PROPN
hassl-3661	406	24	2024	2024	NUM
hassl-3661	406	25	conscientia	conscientia	PROPN
hassl-3661	406	26	beam	beam	PROPN
hassl-3661	406	27	.	.	PUNCT
hassl-3661	407	1	all	all	DET
hassl-3661	407	2	rights	right	NOUN
hassl-3661	407	3	reserved	reserve	VERB
hassl-3661	407	4	.	.	PUNCT
hassl-3661	408	1	otiso	otiso	PROPN
hassl-3661	408	2	,	,	PUNCT
hassl-3661	408	3	k.	k.	PROPN
hassl-3661	408	4	n.	n.	PROPN
hassl-3661	408	5	,	,	PUNCT
hassl-3661	408	6	simiyu	simiyu	PROPN
hassl-3661	408	7	,	,	PUNCT
hassl-3661	408	8	c.	c.	PROPN
hassl-3661	408	9	n.	n.	PROPN
hassl-3661	408	10	,	,	PUNCT
hassl-3661	408	11	&	&	CCONJ
hassl-3661	408	12	odhiambo	odhiambo	PROPN
hassl-3661	408	13	,	,	PUNCT
hassl-3661	408	14	v.	v.	ADP
hassl-3661	408	15	a.	a.	NOUN
hassl-3661	408	16	(	(	PUNCT
hassl-3661	408	17	2013	2013	NUM
hassl-3661	408	18	)	)	PUNCT
hassl-3661	408	19	.	.	PUNCT
hassl-3661	409	1	effects	effect	NOUN
hassl-3661	409	2	of	of	ADP
hassl-3661	409	3	sales	sale	NOUN
hassl-3661	409	4	revenue	revenue	NOUN
hassl-3661	409	5	by	by	ADP
hassl-3661	409	6	use	use	NOUN
hassl-3661	409	7	of	of	ADP
hassl-3661	409	8	mobile	mobile	ADJ
hassl-3661	409	9	phone	phone	NOUN
hassl-3661	409	10	money	money	NOUN
hassl-3661	409	11	transfer	transfer	NOUN
hassl-3661	409	12	on	on	ADP
hassl-3661	409	13	the	the	DET
hassl-3661	409	14	profitability	profitability	NOUN
hassl-3661	409	15	of	of	ADP
hassl-3661	409	16	the	the	DET
hassl-3661	409	17	micro	micro	ADJ
hassl-3661	409	18	and	and	CCONJ
hassl-3661	409	19	small	small	ADJ
hassl-3661	409	20	enterprises	enterprise	NOUN
hassl-3661	409	21	in	in	ADP
hassl-3661	409	22	bungoma	bungoma	PROPN
hassl-3661	409	23	county	county	PROPN
hassl-3661	409	24	.	.	PUNCT
hassl-3661	410	1	international	international	ADJ
hassl-3661	410	2	review	review	NOUN
hassl-3661	410	3	of	of	ADP
hassl-3661	410	4	management	management	NOUN
hassl-3661	410	5	and	and	CCONJ
hassl-3661	410	6	business	business	NOUN
hassl-3661	410	7	research	research	NOUN
hassl-3661	410	8	,	,	PUNCT
hassl-3661	410	9	2(3	2(3	NUM
hassl-3661	410	10	)	)	PUNCT
hassl-3661	410	11	,	,	PUNCT
hassl-3661	410	12	853	853	NUM
hassl-3661	410	13	.	.	PUNCT
hassl-3661	411	1	pazarbasioglu	pazarbasioglu	PROPN
hassl-3661	411	2	,	,	PUNCT
hassl-3661	411	3	c.	c.	PROPN
hassl-3661	411	4	,	,	PUNCT
hassl-3661	411	5	mora	mora	PROPN
hassl-3661	411	6	,	,	PUNCT
hassl-3661	411	7	a.	a.	PROPN
hassl-3661	411	8	g.	g.	PROPN
hassl-3661	411	9	,	,	PUNCT
hassl-3661	411	10	uttamchandani	uttamchandani	NOUN
hassl-3661	411	11	,	,	PUNCT
hassl-3661	411	12	m.	m.	NOUN
hassl-3661	411	13	,	,	PUNCT
hassl-3661	411	14	natarajan	natarajan	PROPN
hassl-3661	411	15	,	,	PUNCT
hassl-3661	411	16	h.	h.	PROPN
hassl-3661	411	17	,	,	PUNCT
hassl-3661	411	18	feyen	feyen	PROPN
hassl-3661	411	19	,	,	PUNCT
hassl-3661	411	20	e.	e.	PROPN
hassl-3661	411	21	,	,	PUNCT
hassl-3661	411	22	&	&	CCONJ
hassl-3661	411	23	saal	saal	PROPN
hassl-3661	411	24	,	,	PUNCT
hassl-3661	411	25	m.	m.	NOUN
hassl-3661	411	26	(	(	PUNCT
hassl-3661	411	27	2020	2020	NUM
hassl-3661	411	28	)	)	PUNCT
hassl-3661	411	29	.	.	PUNCT
hassl-3661	412	1	digital	digital	ADJ
hassl-3661	412	2	financial	financial	ADJ
hassl-3661	412	3	services	service	NOUN
hassl-3661	412	4	.	.	PUNCT
hassl-3661	413	1	world	world	PROPN
hassl-3661	413	2	bank	bank	PROPN
hassl-3661	413	3	,	,	PUNCT
hassl-3661	413	4	54	54	NUM
hassl-3661	413	5	,	,	PUNCT
hassl-3661	413	6	1	1	NUM
hassl-3661	413	7	-	-	SYM
hassl-3661	413	8	54	54	NUM
hassl-3661	413	9	.	.	PUNCT
hassl-3661	414	1	philip	philip	PROPN
hassl-3661	414	2	,	,	PUNCT
hassl-3661	414	3	b.	b.	PROPN
hassl-3661	414	4	,	,	PUNCT
hassl-3661	414	5	&	&	CCONJ
hassl-3661	414	6	prasad	prasad	PROPN
hassl-3661	414	7	,	,	PUNCT
hassl-3661	414	8	m.	m.	NOUN
hassl-3661	414	9	(	(	PUNCT
hassl-3661	414	10	2023	2023	NUM
hassl-3661	414	11	)	)	PUNCT
hassl-3661	414	12	.	.	PUNCT
hassl-3661	415	1	a	a	DET
hassl-3661	415	2	study	study	NOUN
hassl-3661	415	3	on	on	ADP
hassl-3661	415	4	the	the	DET
hassl-3661	415	5	financial	financial	ADJ
hassl-3661	415	6	performance	performance	NOUN
hassl-3661	415	7	of	of	ADP
hassl-3661	415	8	the	the	DET
hassl-3661	415	9	south	south	PROPN
hassl-3661	415	10	indian	indian	PROPN
hassl-3661	415	11	bank	bank	PROPN
hassl-3661	415	12	.	.	PUNCT
hassl-3661	416	1	primera	primera	PROPN
hassl-3661	416	2	scientific	scientific	ADJ
hassl-3661	416	3	engineering	engineering	NOUN
hassl-3661	416	4	,	,	PUNCT
hassl-3661	416	5	2	2	NUM
hassl-3661	416	6	,	,	PUNCT
hassl-3661	416	7	2	2	NUM
hassl-3661	416	8	-	-	SYM
hassl-3661	416	9	13	13	NUM
hassl-3661	416	10	.	.	PUNCT
hassl-3661	417	1	https://doi.org/10.56831/psen-02-049	https://doi.org/10.56831/psen-02-049	PROPN
hassl-3661	417	2	purbaningsih	purbaningsih	PROPN
hassl-3661	417	3	,	,	PUNCT
hassl-3661	417	4	r.	r.	PROPN
hassl-3661	417	5	y.	y.	PROPN
hassl-3661	417	6	p.	p.	PROPN
hassl-3661	417	7	,	,	PUNCT
hassl-3661	417	8	&	&	CCONJ
hassl-3661	417	9	fatimah	fatimah	PROPN
hassl-3661	417	10	,	,	PUNCT
hassl-3661	417	11	n.	n.	PROPN
hassl-3661	417	12	(	(	PUNCT
hassl-3661	417	13	2014	2014	NUM
hassl-3661	417	14	)	)	PUNCT
hassl-3661	417	15	.	.	PUNCT
hassl-3661	418	1	the	the	DET
hassl-3661	418	2	effect	effect	NOUN
hassl-3661	418	3	of	of	ADP
hassl-3661	418	4	liquidity	liquidity	NOUN
hassl-3661	418	5	risk	risk	NOUN
hassl-3661	418	6	and	and	CCONJ
hassl-3661	418	7	non	non	ADJ
hassl-3661	418	8	performing	perform	VERB
hassl-3661	418	9	financing	financing	NOUN
hassl-3661	418	10	(	(	PUNCT
hassl-3661	418	11	npf	npf	PROPN
hassl-3661	418	12	)	)	PUNCT
hassl-3661	418	13	ratio	ratio	NOUN
hassl-3661	418	14	to	to	ADP
hassl-3661	418	15	commercial	commercial	ADJ
hassl-3661	418	16	sharia	sharia	PROPN
hassl-3661	418	17	bank	bank	PROPN
hassl-3661	418	18	profitability	profitability	NOUN
hassl-3661	418	19	in	in	ADP
hassl-3661	418	20	indonesia	indonesia	PROPN
hassl-3661	418	21	.	.	PUNCT
hassl-3661	419	1	lta	lta	PROPN
hassl-3661	419	2	,	,	PUNCT
hassl-3661	419	3	60(80	60(80	PROPN
hassl-3661	419	4	)	)	PUNCT
hassl-3661	419	5	,	,	PUNCT
hassl-3661	419	6	100	100	NUM
hassl-3661	419	7	.	.	PUNCT
hassl-3661	420	1	sekaran	sekaran	NOUN
hassl-3661	420	2	,	,	PUNCT
hassl-3661	420	3	u.	u.	PROPN
hassl-3661	420	4	,	,	PUNCT
hassl-3661	420	5	&	&	CCONJ
hassl-3661	420	6	bougie	bougie	PROPN
hassl-3661	420	7	,	,	PUNCT
hassl-3661	420	8	r.	r.	PROPN
hassl-3661	420	9	(	(	PUNCT
hassl-3661	420	10	2016	2016	NUM
hassl-3661	420	11	)	)	PUNCT
hassl-3661	420	12	.	.	PUNCT
hassl-3661	421	1	research	research	NOUN
hassl-3661	421	2	methods	method	NOUN
hassl-3661	421	3	for	for	ADP
hassl-3661	421	4	business	business	NOUN
hassl-3661	421	5	:	:	PUNCT
hassl-3661	421	6	a	a	DET
hassl-3661	421	7	skill	skill	NOUN
hassl-3661	421	8	building	build	VERB
hassl-3661	421	9	approach	approach	NOUN
hassl-3661	421	10	.	.	PUNCT
hassl-3661	422	1	west	west	PROPN
hassl-3661	422	2	sussex	sussex	PROPN
hassl-3661	422	3	:	:	PUNCT
hassl-3661	422	4	john	john	PROPN
hassl-3661	422	5	wiley	wiley	PROPN
hassl-3661	422	6	&	&	CCONJ
hassl-3661	422	7	sons	son	NOUN
hassl-3661	422	8	.	.	PUNCT
hassl-3661	423	1	shubailat	shubailat	ADJ
hassl-3661	423	2	,	,	PUNCT
hassl-3661	423	3	o.	o.	PROPN
hassl-3661	423	4	,	,	PUNCT
hassl-3661	423	5	al	al	PROPN
hassl-3661	423	6	-	-	PUNCT
hassl-3661	423	7	zaqeba	zaqeba	PROPN
hassl-3661	423	8	,	,	PUNCT
hassl-3661	423	9	m.	m.	NOUN
hassl-3661	423	10	,	,	PUNCT
hassl-3661	423	11	madi	madi	PROPN
hassl-3661	423	12	,	,	PUNCT
hassl-3661	423	13	a.	a.	PROPN
hassl-3661	423	14	,	,	PUNCT
hassl-3661	423	15	&	&	CCONJ
hassl-3661	423	16	khairi	khairi	PROPN
hassl-3661	423	17	,	,	PUNCT
hassl-3661	423	18	k.	k.	PROPN
hassl-3661	423	19	(	(	PUNCT
hassl-3661	423	20	2024	2024	NUM
hassl-3661	423	21	)	)	PUNCT
hassl-3661	423	22	.	.	PUNCT
hassl-3661	424	1	investigation	investigation	NOUN
hassl-3661	424	2	the	the	DET
hassl-3661	424	3	effect	effect	NOUN
hassl-3661	424	4	of	of	ADP
hassl-3661	424	5	digital	digital	ADJ
hassl-3661	424	6	taxation	taxation	NOUN
hassl-3661	424	7	and	and	CCONJ
hassl-3661	424	8	digital	digital	ADJ
hassl-3661	424	9	accounting	accounting	NOUN
hassl-3661	424	10	on	on	ADP
hassl-3661	424	11	customs	custom	NOUN
hassl-3661	424	12	efficiency	efficiency	NOUN
hassl-3661	424	13	and	and	CCONJ
hassl-3661	424	14	port	port	NOUN
hassl-3661	424	15	sustainability	sustainability	NOUN
hassl-3661	424	16	.	.	PUNCT
hassl-3661	425	1	international	international	ADJ
hassl-3661	425	2	journal	journal	PROPN
hassl-3661	425	3	of	of	ADP
hassl-3661	425	4	data	datum	NOUN
hassl-3661	425	5	and	and	CCONJ
hassl-3661	425	6	network	network	NOUN
hassl-3661	425	7	science	science	NOUN
hassl-3661	425	8	,	,	PUNCT
hassl-3661	425	9	8(1	8(1	NOUN
hassl-3661	425	10	)	)	PUNCT
hassl-3661	425	11	,	,	PUNCT
hassl-3661	425	12	61	61	NUM
hassl-3661	425	13	-	-	SYM
hassl-3661	425	14	68	68	NUM
hassl-3661	425	15	.	.	PUNCT
hassl-3661	426	1	syafrizal	syafrizal	PROPN
hassl-3661	426	2	,	,	PUNCT
hassl-3661	426	3	a.	a.	NOUN
hassl-3661	426	4	,	,	PUNCT
hassl-3661	426	5	ilham	ilham	PROPN
hassl-3661	426	6	,	,	PUNCT
hassl-3661	426	7	r.	r.	PROPN
hassl-3661	426	8	n.	n.	PROPN
hassl-3661	426	9	,	,	PUNCT
hassl-3661	426	10	&	&	CCONJ
hassl-3661	426	11	muchtar	muchtar	PROPN
hassl-3661	426	12	,	,	PUNCT
hassl-3661	426	13	d.	d.	PROPN
hassl-3661	426	14	(	(	PUNCT
hassl-3661	426	15	2023	2023	NUM
hassl-3661	426	16	)	)	PUNCT
hassl-3661	426	17	.	.	PUNCT
hassl-3661	427	1	effect	effect	NOUN
hassl-3661	427	2	of	of	ADP
hassl-3661	427	3	capital	capital	NOUN
hassl-3661	427	4	adequacy	adequacy	NOUN
hassl-3661	427	5	ratio	ratio	NOUN
hassl-3661	427	6	,	,	PUNCT
hassl-3661	427	7	non	non	ADJ
hassl-3661	427	8	performing	perform	VERB
hassl-3661	427	9	financing	financing	NOUN
hassl-3661	427	10	,	,	PUNCT
hassl-3661	427	11	financing	financing	NOUN
hassl-3661	427	12	to	to	PART
hassl-3661	427	13	deposit	deposit	VERB
hassl-3661	427	14	ratio	ratio	NOUN
hassl-3661	427	15	,	,	PUNCT
hassl-3661	427	16	operating	operating	NOUN
hassl-3661	427	17	expenses	expense	NOUN
hassl-3661	427	18	and	and	CCONJ
hassl-3661	427	19	operational	operational	ADJ
hassl-3661	427	20	income	income	NOUN
hassl-3661	427	21	on	on	ADP
hassl-3661	427	22	profitability	profitability	NOUN
hassl-3661	427	23	at	at	ADP
hassl-3661	427	24	pt	pt	PROPN
hassl-3661	427	25	.	.	PROPN
hassl-3661	427	26	bank	bank	PROPN
hassl-3661	427	27	aceh	aceh	PROPN
hassl-3661	427	28	syariah	syariah	PROPN
hassl-3661	427	29	.	.	PUNCT
hassl-3661	428	1	journal	journal	PROPN
hassl-3661	428	2	of	of	ADP
hassl-3661	428	3	accounting	accounting	NOUN
hassl-3661	428	4	research	research	NOUN
hassl-3661	428	5	,	,	PUNCT
hassl-3661	428	6	utility	utility	NOUN
hassl-3661	428	7	finance	finance	NOUN
hassl-3661	428	8	and	and	CCONJ
hassl-3661	428	9	digital	digital	ADJ
hassl-3661	428	10	assets	asset	NOUN
hassl-3661	428	11	,	,	PUNCT
hassl-3661	428	12	1(4	1(4	NUM
hassl-3661	428	13	)	)	PUNCT
hassl-3661	428	14	,	,	PUNCT
hassl-3661	428	15	312	312	NUM
hassl-3661	428	16	-	-	SYM
hassl-3661	428	17	322	322	NUM
hassl-3661	428	18	.	.	PUNCT
hassl-3661	429	1	tunay	tunay	PROPN
hassl-3661	429	2	,	,	PUNCT
hassl-3661	429	3	k.	k.	PROPN
hassl-3661	429	4	b.	b.	PROPN
hassl-3661	429	5	,	,	PUNCT
hassl-3661	429	6	tunay	tunay	PROPN
hassl-3661	429	7	,	,	PUNCT
hassl-3661	429	8	n.	n.	NOUN
hassl-3661	429	9	,	,	PUNCT
hassl-3661	429	10	&	&	CCONJ
hassl-3661	429	11	akhisar	akhisar	PROPN
hassl-3661	429	12	,	,	PUNCT
hassl-3661	429	13	i̇.	i̇.	PROPN
hassl-3661	429	14	(	(	PUNCT
hassl-3661	429	15	2015	2015	NUM
hassl-3661	429	16	)	)	PUNCT
hassl-3661	429	17	.	.	PUNCT
hassl-3661	430	1	interaction	interaction	NOUN
hassl-3661	430	2	between	between	ADP
hassl-3661	430	3	internet	internet	NOUN
hassl-3661	430	4	banking	banking	NOUN
hassl-3661	430	5	and	and	CCONJ
hassl-3661	430	6	bank	bank	NOUN
hassl-3661	430	7	performance	performance	NOUN
hassl-3661	430	8	:	:	PUNCT
hassl-3661	430	9	the	the	DET
hassl-3661	430	10	case	case	NOUN
hassl-3661	430	11	of	of	ADP
hassl-3661	430	12	europe	europe	PROPN
hassl-3661	430	13	.	.	PUNCT
hassl-3661	431	1	procedia	procedia	NOUN
hassl-3661	431	2	-	-	PUNCT
hassl-3661	431	3	social	social	ADJ
hassl-3661	431	4	and	and	CCONJ
hassl-3661	431	5	behavioral	behavioral	ADJ
hassl-3661	431	6	sciences	science	NOUN
hassl-3661	431	7	,	,	PUNCT
hassl-3661	431	8	195	195	NUM
hassl-3661	431	9	,	,	PUNCT
hassl-3661	431	10	363	363	NUM
hassl-3661	431	11	-	-	SYM
hassl-3661	431	12	368	368	NUM
hassl-3661	431	13	.	.	PUNCT
hassl-3661	432	1	https://doi.org/10.1016/j.sbspro.2015.06.335	https://doi.org/10.1016/j.sbspro.2015.06.335	PROPN
hassl-3661	432	2	van	van	PROPN
hassl-3661	432	3	veldhoven	veldhoven	PROPN
hassl-3661	432	4	,	,	PUNCT
hassl-3661	432	5	z.	z.	PROPN
hassl-3661	432	6	,	,	PUNCT
hassl-3661	432	7	&	&	CCONJ
hassl-3661	432	8	vanthienen	vanthienen	PROPN
hassl-3661	432	9	,	,	PUNCT
hassl-3661	432	10	j.	j.	PROPN
hassl-3661	432	11	(	(	PUNCT
hassl-3661	432	12	2022	2022	NUM
hassl-3661	432	13	)	)	PUNCT
hassl-3661	432	14	.	.	PUNCT
hassl-3661	433	1	digital	digital	ADJ
hassl-3661	433	2	transformation	transformation	NOUN
hassl-3661	433	3	as	as	ADP
hassl-3661	433	4	an	an	DET
hassl-3661	433	5	interaction	interaction	NOUN
hassl-3661	433	6	-	-	PUNCT
hassl-3661	433	7	driven	drive	VERB
hassl-3661	433	8	perspective	perspective	NOUN
hassl-3661	433	9	between	between	ADP
hassl-3661	433	10	business	business	NOUN
hassl-3661	433	11	,	,	PUNCT
hassl-3661	433	12	society	society	NOUN
hassl-3661	433	13	,	,	PUNCT
hassl-3661	433	14	and	and	CCONJ
hassl-3661	433	15	technology	technology	NOUN
hassl-3661	433	16	.	.	PUNCT
hassl-3661	434	1	electronic	electronic	ADJ
hassl-3661	434	2	markets	market	NOUN
hassl-3661	434	3	,	,	PUNCT
hassl-3661	434	4	32(2	32(2	NUM
hassl-3661	434	5	)	)	PUNCT
hassl-3661	434	6	,	,	PUNCT
hassl-3661	434	7	629	629	NUM
hassl-3661	434	8	-	-	SYM
hassl-3661	434	9	644	644	NUM
hassl-3661	434	10	.	.	PUNCT
hassl-3661	435	1	wang	wang	PROPN
hassl-3661	435	2	,	,	PUNCT
hassl-3661	435	3	y.	y.	PROPN
hassl-3661	435	4	,	,	PUNCT
hassl-3661	435	5	xiuping	xiuping	PROPN
hassl-3661	435	6	,	,	PUNCT
hassl-3661	435	7	s.	s.	PROPN
hassl-3661	435	8	,	,	PUNCT
hassl-3661	435	9	&	&	CCONJ
hassl-3661	435	10	zhang	zhang	PROPN
hassl-3661	435	11	,	,	PUNCT
hassl-3661	435	12	q.	q.	PROPN
hassl-3661	435	13	(	(	PUNCT
hassl-3661	435	14	2021	2021	NUM
hassl-3661	435	15	)	)	PUNCT
hassl-3661	435	16	.	.	PUNCT
hassl-3661	436	1	can	can	AUX
hassl-3661	436	2	fintech	fintech	NOUN
hassl-3661	436	3	improve	improve	VERB
hassl-3661	436	4	the	the	DET
hassl-3661	436	5	efficiency	efficiency	NOUN
hassl-3661	436	6	of	of	ADP
hassl-3661	436	7	commercial	commercial	ADJ
hassl-3661	436	8	banks	bank	NOUN
hassl-3661	436	9	?	?	PUNCT
hassl-3661	437	1	—	—	PUNCT
hassl-3661	437	2	an	an	DET
hassl-3661	437	3	analysis	analysis	NOUN
hassl-3661	437	4	based	base	VERB
hassl-3661	437	5	on	on	ADP
hassl-3661	437	6	big	big	ADJ
hassl-3661	437	7	data	datum	NOUN
hassl-3661	437	8	.	.	PUNCT
hassl-3661	438	1	research	research	NOUN
hassl-3661	438	2	in	in	ADP
hassl-3661	438	3	international	international	ADJ
hassl-3661	438	4	business	business	NOUN
hassl-3661	438	5	and	and	CCONJ
hassl-3661	438	6	finance	finance	NOUN
hassl-3661	438	7	,	,	PUNCT
hassl-3661	438	8	55	55	NUM
hassl-3661	438	9	,	,	PUNCT
hassl-3661	438	10	101338	101338	NUM
hassl-3661	438	11	.	.	PUNCT
hassl-3661	439	1	https://doi.org/10.1016/j.ribaf.2020.101338	https://doi.org/10.1016/j.ribaf.2020.101338	PROPN
hassl-3661	439	2	yang	yang	PROPN
hassl-3661	439	3	,	,	PUNCT
hassl-3661	439	4	y.	y.	PROPN
hassl-3661	439	5	(	(	PUNCT
hassl-3661	439	6	2023	2023	NUM
hassl-3661	439	7	)	)	PUNCT
hassl-3661	439	8	.	.	PUNCT
hassl-3661	440	1	research	research	NOUN
hassl-3661	440	2	on	on	ADP
hassl-3661	440	3	the	the	DET
hassl-3661	440	4	influence	influence	NOUN
hassl-3661	440	5	of	of	ADP
hassl-3661	440	6	financial	financial	ADJ
hassl-3661	440	7	technology	technology	NOUN
hassl-3661	440	8	on	on	ADP
hassl-3661	440	9	the	the	DET
hassl-3661	440	10	profitability	profitability	NOUN
hassl-3661	440	11	of	of	ADP
hassl-3661	440	12	small	small	ADJ
hassl-3661	440	13	and	and	CCONJ
hassl-3661	440	14	medium	medium	ADJ
hassl-3661	440	15	-	-	PUNCT
hassl-3661	440	16	sized	sized	ADJ
hassl-3661	440	17	commercial	commercial	ADJ
hassl-3661	440	18	banks	bank	NOUN
hassl-3661	440	19	.	.	PUNCT
hassl-3661	441	1	frontiers	frontier	NOUN
hassl-3661	441	2	in	in	ADP
hassl-3661	441	3	business	business	NOUN
hassl-3661	441	4	,	,	PUNCT
hassl-3661	441	5	economics	economic	NOUN
hassl-3661	441	6	and	and	CCONJ
hassl-3661	441	7	management	management	NOUN
hassl-3661	441	8	,	,	PUNCT
hassl-3661	441	9	7(1	7(1	NUM
hassl-3661	441	10	)	)	PUNCT
hassl-3661	441	11	,	,	PUNCT
hassl-3661	441	12	227	227	NUM
hassl-3661	441	13	-	-	SYM
hassl-3661	441	14	231	231	NUM
hassl-3661	441	15	.	.	PUNCT
hassl-3661	442	1	https://doi.org/10.54097/fbem.v7i1.4173	https://doi.org/10.54097/fbem.v7i1.4173	PROPN
hassl-3661	442	2	zhou	zhou	PROPN
hassl-3661	442	3	,	,	PUNCT
hassl-3661	442	4	d.	d.	PROPN
hassl-3661	442	5	,	,	PUNCT
hassl-3661	442	6	kautonen	kautonen	NOUN
hassl-3661	442	7	,	,	PUNCT
hassl-3661	442	8	m.	m.	NOUN
hassl-3661	442	9	,	,	PUNCT
hassl-3661	442	10	dai	dai	PROPN
hassl-3661	442	11	,	,	PUNCT
hassl-3661	442	12	w.	w.	PROPN
hassl-3661	442	13	,	,	PUNCT
hassl-3661	442	14	&	&	CCONJ
hassl-3661	442	15	zhang	zhang	PROPN
hassl-3661	442	16	,	,	PUNCT
hassl-3661	442	17	h.	h.	PROPN
hassl-3661	442	18	(	(	PUNCT
hassl-3661	442	19	2021	2021	NUM
hassl-3661	442	20	)	)	PUNCT
hassl-3661	442	21	.	.	PUNCT
hassl-3661	443	1	exploring	explore	VERB
hassl-3661	443	2	how	how	SCONJ
hassl-3661	443	3	digitalization	digitalization	NOUN
hassl-3661	443	4	influences	influence	VERB
hassl-3661	443	5	incumbents	incumbent	NOUN
hassl-3661	443	6	in	in	ADP
hassl-3661	443	7	financial	financial	ADJ
hassl-3661	443	8	services	service	NOUN
hassl-3661	443	9	:	:	PUNCT
hassl-3661	443	10	the	the	DET
hassl-3661	443	11	role	role	NOUN
hassl-3661	443	12	of	of	ADP
hassl-3661	443	13	entrepreneurial	entrepreneurial	ADJ
hassl-3661	443	14	orientation	orientation	NOUN
hassl-3661	443	15	,	,	PUNCT
hassl-3661	443	16	firm	firm	ADJ
hassl-3661	443	17	assets	asset	NOUN
hassl-3661	443	18	,	,	PUNCT
hassl-3661	443	19	and	and	CCONJ
hassl-3661	443	20	organizational	organizational	ADJ
hassl-3661	443	21	legitimacy	legitimacy	NOUN
hassl-3661	443	22	.	.	PUNCT
hassl-3661	444	1	technological	technological	ADJ
hassl-3661	444	2	forecasting	forecasting	NOUN
hassl-3661	444	3	and	and	CCONJ
hassl-3661	444	4	social	social	ADJ
hassl-3661	444	5	change	change	NOUN
hassl-3661	444	6	,	,	PUNCT
hassl-3661	444	7	173	173	NUM
hassl-3661	444	8	,	,	PUNCT
hassl-3661	444	9	121120	121120	NUM
hassl-3661	444	10	.	.	PUNCT
hassl-3661	445	1	views	view	NOUN
hassl-3661	445	2	and	and	CCONJ
hassl-3661	445	3	opinions	opinion	NOUN
hassl-3661	445	4	expressed	express	VERB
hassl-3661	445	5	in	in	ADP
hassl-3661	445	6	this	this	DET
hassl-3661	445	7	article	article	NOUN
hassl-3661	445	8	are	be	AUX
hassl-3661	445	9	the	the	DET
hassl-3661	445	10	views	view	NOUN
hassl-3661	445	11	and	and	CCONJ
hassl-3661	445	12	opinions	opinion	NOUN
hassl-3661	445	13	of	of	ADP
hassl-3661	445	14	the	the	DET
hassl-3661	445	15	author(s	author(s	NOUN
hassl-3661	445	16	)	)	PUNCT
hassl-3661	445	17	,	,	PUNCT
hassl-3661	445	18	humanities	humanity	NOUN
hassl-3661	445	19	and	and	CCONJ
hassl-3661	445	20	social	social	ADJ
hassl-3661	445	21	sciences	science	NOUN
hassl-3661	445	22	letters	letter	NOUN
hassl-3661	445	23	shall	shall	AUX
hassl-3661	445	24	not	not	PART
hassl-3661	445	25	be	be	AUX
hassl-3661	445	26	responsible	responsible	ADJ
hassl-3661	445	27	or	or	CCONJ
hassl-3661	445	28	answerable	answerable	ADJ
hassl-3661	445	29	for	for	ADP
hassl-3661	445	30	any	any	DET
hassl-3661	445	31	loss	loss	NOUN
hassl-3661	445	32	,	,	PUNCT
hassl-3661	445	33	damage	damage	NOUN
hassl-3661	445	34	or	or	CCONJ
hassl-3661	445	35	liability	liability	NOUN
hassl-3661	445	36	etc	etc	X
hassl-3661	445	37	.	.	X
hassl-3661	446	1	caused	cause	VERB
hassl-3661	446	2	in	in	ADP
hassl-3661	446	3	relation	relation	NOUN
hassl-3661	446	4	to	to	PART
hassl-3661	446	5	/	/	PUNCT
hassl-3661	446	6	arising	arise	VERB
hassl-3661	446	7	out	out	ADP
hassl-3661	446	8	of	of	ADP
hassl-3661	446	9	the	the	DET
hassl-3661	446	10	use	use	NOUN
hassl-3661	446	11	of	of	ADP
hassl-3661	446	12	the	the	DET
hassl-3661	446	13	content	content	NOUN
hassl-3661	446	14	.	.	PUNCT
hassl-3661	447	1	https://doi.org/10.56831/psen-02-049	https://doi.org/10.56831/psen-02-049	PROPN
hassl-3661	447	2	https://doi.org/10.1016/j.sbspro.2015.06.335	https://doi.org/10.1016/j.sbspro.2015.06.335	PROPN
hassl-3661	447	3	https://doi.org/10.1016/j.ribaf.2020.101338	https://doi.org/10.1016/j.ribaf.2020.101338	PROPN
hassl-3661	447	4	https://doi.org/10.54097/fbem.v7i1.4173	https://doi.org/10.54097/fbem.v7i1.4173	PROPN