id	sid	tid	token	lemma	pos
hassl-4524	1	1	1508	1508	NUM
hassl-4524	1	2	©	©	PROPN
hassl-4524	1	3	2025	2025	NUM
hassl-4524	1	4	conscientia	conscientia	PROPN
hassl-4524	1	5	beam	beam	PROPN
hassl-4524	1	6	.	.	PUNCT
hassl-4524	2	1	all	all	DET
hassl-4524	2	2	rights	right	NOUN
hassl-4524	2	3	reserved	reserve	VERB
hassl-4524	2	4	.	.	PUNCT
hassl-4524	3	1	digital	digital	ADJ
hassl-4524	3	2	transformation	transformation	NOUN
hassl-4524	3	3	,	,	PUNCT
hassl-4524	3	4	income	income	NOUN
hassl-4524	3	5	diversification	diversification	NOUN
hassl-4524	3	6	,	,	PUNCT
hassl-4524	3	7	and	and	CCONJ
hassl-4524	3	8	bank	bank	NOUN
hassl-4524	3	9	stability	stability	NOUN
hassl-4524	3	10	:	:	PUNCT
hassl-4524	3	11	evidence	evidence	NOUN
hassl-4524	3	12	from	from	ADP
hassl-4524	3	13	an	an	DET
hassl-4524	3	14	emerging	emerge	VERB
hassl-4524	3	15	economy	economy	NOUN
hassl-4524	3	16	huy	huy	PROPN
hassl-4524	3	17	trung	trung	VERB
hassl-4524	4	1	bui1	bui1	PROPN
hassl-4524	5	1	+	+	NUM
hassl-4524	5	2	linh	linh	NOUN
hassl-4524	5	3	anh	anh	NOUN
hassl-4524	6	1	duong2	duong2	NOUN
hassl-4524	6	2	minh	minh	NOUN
hassl-4524	6	3	thuy	thuy	PROPN
hassl-4524	6	4	le3	le3	PROPN
hassl-4524	6	5	hoang	hoang	PROPN
hassl-4524	6	6	mai	mai	PROPN
hassl-4524	6	7	nguyen4	nguyen4	PROPN
hassl-4524	6	8	khanh	khanh	NOUN
hassl-4524	6	9	linh	linh	PROPN
hassl-4524	6	10	bui5	bui5	PROPN
hassl-4524	6	11	1,2,3,4,5banking	1,2,3,4,5banke	VERB
hassl-4524	6	12	academy	academy	NOUN
hassl-4524	6	13	of	of	ADP
hassl-4524	6	14	vietnam	vietnam	PROPN
hassl-4524	6	15	,	,	PUNCT
hassl-4524	6	16	hanoi	hanoi	PROPN
hassl-4524	6	17	city	city	PROPN
hassl-4524	6	18	,	,	PUNCT
hassl-4524	6	19	vietnam	vietnam	PROPN
hassl-4524	6	20	.	.	PUNCT
hassl-4524	7	1	1email	1email	NUM
hassl-4524	7	2	:	:	PUNCT
hassl-4524	7	3	trungbh@hvnh.edu.vn	trungbh@hvnh.edu.vn	NOUN
hassl-4524	7	4	2email	2email	NUM
hassl-4524	7	5	:	:	PUNCT
hassl-4524	7	6	25a4013173@hvnh.edu.vn	25a4013173@hvnh.edu.vn	NUM
hassl-4524	7	7	3email	3email	NUM
hassl-4524	7	8	:	:	PUNCT
hassl-4524	7	9	25a4012986@hvnh.edu.vn	25a4012986@hvnh.edu.vn	NUM
hassl-4524	7	10	4email	4email	NOUN
hassl-4524	7	11	:	:	PUNCT
hassl-4524	7	12	25a4013261@hvnh.edu.vn	25a4013261@hvnh.edu.vn	PROPN
hassl-4524	7	13	5email	5email	NUM
hassl-4524	7	14	:	:	PUNCT
hassl-4524	7	15	25a4013046@hvnh.edu.vn	25a4013046@hvnh.edu.vn	NUM
hassl-4524	7	16	(	(	PUNCT
hassl-4524	7	17	+	+	NUM
hassl-4524	7	18	corresponding	correspond	VERB
hassl-4524	7	19	author	author	NOUN
hassl-4524	7	20	)	)	PUNCT
hassl-4524	7	21	abstract	abstract	ADJ
hassl-4524	7	22	article	article	NOUN
hassl-4524	7	23	history	history	NOUN
hassl-4524	7	24	received	receive	VERB
hassl-4524	7	25	:	:	PUNCT
hassl-4524	7	26	27	27	NUM
hassl-4524	7	27	may	may	AUX
hassl-4524	7	28	2025	2025	NUM
hassl-4524	7	29	revised	revise	VERB
hassl-4524	7	30	:	:	PUNCT
hassl-4524	7	31	19	19	NUM
hassl-4524	7	32	september	september	PROPN
hassl-4524	7	33	2025	2025	NUM
hassl-4524	7	34	accepted	accept	VERB
hassl-4524	7	35	:	:	PUNCT
hassl-4524	7	36	20	20	NUM
hassl-4524	7	37	october	october	NOUN
hassl-4524	7	38	2025	2025	NUM
hassl-4524	7	39	published	publish	VERB
hassl-4524	7	40	:	:	PUNCT
hassl-4524	7	41	11	11	NUM
hassl-4524	7	42	november	november	NOUN
hassl-4524	7	43	2025	2025	NUM
hassl-4524	7	44	keywords	keyword	NOUN
hassl-4524	7	45	bank	bank	NOUN
hassl-4524	7	46	stability	stability	NOUN
hassl-4524	7	47	digital	digital	ADJ
hassl-4524	7	48	transformation	transformation	NOUN
hassl-4524	7	49	emerging	emerge	VERB
hassl-4524	7	50	economy	economy	NOUN
hassl-4524	7	51	income	income	NOUN
hassl-4524	7	52	diversification	diversification	NOUN
hassl-4524	7	53	.	.	PUNCT
hassl-4524	8	1	this	this	DET
hassl-4524	8	2	study	study	NOUN
hassl-4524	8	3	examines	examine	VERB
hassl-4524	8	4	the	the	DET
hassl-4524	8	5	impact	impact	NOUN
hassl-4524	8	6	of	of	ADP
hassl-4524	8	7	digital	digital	ADJ
hassl-4524	8	8	transformation	transformation	NOUN
hassl-4524	8	9	on	on	ADP
hassl-4524	8	10	the	the	DET
hassl-4524	8	11	financial	financial	ADJ
hassl-4524	8	12	stability	stability	NOUN
hassl-4524	8	13	of	of	ADP
hassl-4524	8	14	commercial	commercial	ADJ
hassl-4524	8	15	banks	bank	NOUN
hassl-4524	8	16	,	,	PUNCT
hassl-4524	8	17	with	with	ADP
hassl-4524	8	18	a	a	DET
hassl-4524	8	19	particular	particular	ADJ
hassl-4524	8	20	focus	focus	NOUN
hassl-4524	8	21	on	on	ADP
hassl-4524	8	22	the	the	DET
hassl-4524	8	23	moderating	moderate	VERB
hassl-4524	8	24	role	role	NOUN
hassl-4524	8	25	of	of	ADP
hassl-4524	8	26	income	income	NOUN
hassl-4524	8	27	diversification	diversification	NOUN
hassl-4524	8	28	in	in	ADP
hassl-4524	8	29	this	this	DET
hassl-4524	8	30	relationship	relationship	NOUN
hassl-4524	8	31	.	.	PUNCT
hassl-4524	9	1	using	use	VERB
hassl-4524	9	2	a	a	DET
hassl-4524	9	3	panel	panel	NOUN
hassl-4524	9	4	dataset	dataset	VERB
hassl-4524	9	5	of	of	ADP
hassl-4524	9	6	22	22	NUM
hassl-4524	9	7	vietnamese	vietnamese	ADJ
hassl-4524	9	8	commercial	commercial	ADJ
hassl-4524	9	9	banks	bank	NOUN
hassl-4524	9	10	over	over	ADP
hassl-4524	9	11	the	the	DET
hassl-4524	9	12	period	period	NOUN
hassl-4524	9	13	2010–2023	2010–2023	NUM
hassl-4524	9	14	,	,	PUNCT
hassl-4524	9	15	this	this	DET
hassl-4524	9	16	study	study	NOUN
hassl-4524	9	17	applies	apply	VERB
hassl-4524	9	18	the	the	DET
hassl-4524	9	19	system	system	NOUN
hassl-4524	9	20	generalized	generalize	VERB
hassl-4524	9	21	method	method	NOUN
hassl-4524	9	22	of	of	ADP
hassl-4524	9	23	moments	moment	NOUN
hassl-4524	9	24	estimator	estimator	NOUN
hassl-4524	9	25	to	to	PART
hassl-4524	9	26	account	account	VERB
hassl-4524	9	27	for	for	ADP
hassl-4524	9	28	endogeneity	endogeneity	NOUN
hassl-4524	9	29	,	,	PUNCT
hassl-4524	9	30	dynamic	dynamic	ADJ
hassl-4524	9	31	effects	effect	NOUN
hassl-4524	9	32	,	,	PUNCT
hassl-4524	9	33	and	and	CCONJ
hassl-4524	9	34	unobserved	unobserved	ADJ
hassl-4524	9	35	heterogeneity	heterogeneity	NOUN
hassl-4524	9	36	.	.	PUNCT
hassl-4524	10	1	digital	digital	ADJ
hassl-4524	10	2	transformation	transformation	NOUN
hassl-4524	10	3	is	be	AUX
hassl-4524	10	4	measured	measure	VERB
hassl-4524	10	5	through	through	ADP
hassl-4524	10	6	a	a	DET
hassl-4524	10	7	text	text	NOUN
hassl-4524	10	8	-	-	PUNCT
hassl-4524	10	9	mining	mining	NOUN
hassl-4524	10	10	approach	approach	NOUN
hassl-4524	10	11	based	base	VERB
hassl-4524	10	12	on	on	ADP
hassl-4524	10	13	data	datum	NOUN
hassl-4524	10	14	extracted	extract	VERB
hassl-4524	10	15	from	from	ADP
hassl-4524	10	16	annual	annual	ADJ
hassl-4524	10	17	reports	report	NOUN
hassl-4524	10	18	,	,	PUNCT
hassl-4524	10	19	while	while	SCONJ
hassl-4524	10	20	financial	financial	ADJ
hassl-4524	10	21	stability	stability	NOUN
hassl-4524	10	22	is	be	AUX
hassl-4524	10	23	assessed	assess	VERB
hassl-4524	10	24	using	use	VERB
hassl-4524	10	25	the	the	DET
hassl-4524	10	26	zscore	zscore	NOUN
hassl-4524	10	27	.	.	PUNCT
hassl-4524	11	1	income	income	NOUN
hassl-4524	11	2	diversification	diversification	NOUN
hassl-4524	11	3	is	be	AUX
hassl-4524	11	4	proxied	proxie	VERB
hassl-4524	11	5	by	by	ADP
hassl-4524	11	6	the	the	DET
hassl-4524	11	7	share	share	NOUN
hassl-4524	11	8	of	of	ADP
hassl-4524	11	9	non	non	ADJ
hassl-4524	11	10	-	-	ADJ
hassl-4524	11	11	interest	interest	ADJ
hassl-4524	11	12	income	income	NOUN
hassl-4524	11	13	in	in	ADP
hassl-4524	11	14	total	total	ADJ
hassl-4524	11	15	revenue	revenue	NOUN
hassl-4524	11	16	.	.	PUNCT
hassl-4524	12	1	the	the	DET
hassl-4524	12	2	results	result	NOUN
hassl-4524	12	3	indicate	indicate	VERB
hassl-4524	12	4	that	that	SCONJ
hassl-4524	12	5	digital	digital	ADJ
hassl-4524	12	6	transformation	transformation	NOUN
hassl-4524	12	7	and	and	CCONJ
hassl-4524	12	8	income	income	NOUN
hassl-4524	12	9	diversification	diversification	NOUN
hassl-4524	12	10	independently	independently	ADV
hassl-4524	12	11	and	and	CCONJ
hassl-4524	12	12	significantly	significantly	ADV
hassl-4524	12	13	enhance	enhance	VERB
hassl-4524	12	14	financial	financial	ADJ
hassl-4524	12	15	stability	stability	NOUN
hassl-4524	12	16	.	.	PUNCT
hassl-4524	13	1	furthermore	furthermore	ADV
hassl-4524	13	2	,	,	PUNCT
hassl-4524	13	3	the	the	DET
hassl-4524	13	4	interaction	interaction	NOUN
hassl-4524	13	5	between	between	ADP
hassl-4524	13	6	the	the	DET
hassl-4524	13	7	two	two	NUM
hassl-4524	13	8	is	be	AUX
hassl-4524	13	9	statistically	statistically	ADV
hassl-4524	13	10	significant	significant	ADJ
hassl-4524	13	11	,	,	PUNCT
hassl-4524	13	12	suggesting	suggest	VERB
hassl-4524	13	13	that	that	SCONJ
hassl-4524	13	14	the	the	DET
hassl-4524	13	15	stability	stability	NOUN
hassl-4524	13	16	gains	gain	VERB
hassl-4524	13	17	from	from	ADP
hassl-4524	13	18	digital	digital	ADJ
hassl-4524	13	19	initiatives	initiative	NOUN
hassl-4524	13	20	are	be	AUX
hassl-4524	13	21	amplified	amplify	VERB
hassl-4524	13	22	when	when	SCONJ
hassl-4524	13	23	banks	bank	NOUN
hassl-4524	13	24	maintain	maintain	VERB
hassl-4524	13	25	a	a	DET
hassl-4524	13	26	more	more	ADV
hassl-4524	13	27	diversified	diversified	ADJ
hassl-4524	13	28	income	income	NOUN
hassl-4524	13	29	structure	structure	NOUN
hassl-4524	13	30	.	.	PUNCT
hassl-4524	14	1	component	component	NOUN
hassl-4524	14	2	-	-	PUNCT
hassl-4524	14	3	level	level	NOUN
hassl-4524	14	4	analysis	analysis	NOUN
hassl-4524	14	5	further	far	ADV
hassl-4524	14	6	reveals	reveal	VERB
hassl-4524	14	7	that	that	SCONJ
hassl-4524	14	8	investments	investment	NOUN
hassl-4524	14	9	in	in	ADP
hassl-4524	14	10	data	data	NOUN
hassl-4524	14	11	analytics	analytic	NOUN
hassl-4524	14	12	and	and	CCONJ
hassl-4524	14	13	payment	payment	NOUN
hassl-4524	14	14	infrastructure	infrastructure	NOUN
hassl-4524	14	15	are	be	AUX
hassl-4524	14	16	key	key	ADJ
hassl-4524	14	17	contributors	contributor	NOUN
hassl-4524	14	18	to	to	ADP
hassl-4524	14	19	resilience	resilience	NOUN
hassl-4524	14	20	,	,	PUNCT
hassl-4524	14	21	while	while	SCONJ
hassl-4524	14	22	fintech	fintech	NOUN
hassl-4524	14	23	adoption	adoption	NOUN
hassl-4524	14	24	and	and	CCONJ
hassl-4524	14	25	cybersecurity	cybersecurity	NOUN
hassl-4524	14	26	disclosures	disclosure	NOUN
hassl-4524	14	27	do	do	AUX
hassl-4524	14	28	not	not	PART
hassl-4524	14	29	show	show	VERB
hassl-4524	14	30	significant	significant	ADJ
hassl-4524	14	31	effects	effect	NOUN
hassl-4524	14	32	.	.	PUNCT
hassl-4524	15	1	these	these	DET
hassl-4524	15	2	findings	finding	NOUN
hassl-4524	15	3	highlight	highlight	VERB
hassl-4524	15	4	the	the	DET
hassl-4524	15	5	importance	importance	NOUN
hassl-4524	15	6	of	of	ADP
hassl-4524	15	7	aligning	align	VERB
hassl-4524	15	8	digital	digital	ADJ
hassl-4524	15	9	transformation	transformation	NOUN
hassl-4524	15	10	with	with	ADP
hassl-4524	15	11	income	income	NOUN
hassl-4524	15	12	diversification	diversification	NOUN
hassl-4524	15	13	to	to	PART
hassl-4524	15	14	strengthen	strengthen	VERB
hassl-4524	15	15	bank	bank	NOUN
hassl-4524	15	16	stability	stability	NOUN
hassl-4524	15	17	.	.	PUNCT
hassl-4524	16	1	the	the	DET
hassl-4524	16	2	study	study	NOUN
hassl-4524	16	3	offers	offer	VERB
hassl-4524	16	4	practical	practical	ADJ
hassl-4524	16	5	insights	insight	NOUN
hassl-4524	16	6	for	for	ADP
hassl-4524	16	7	bank	bank	NOUN
hassl-4524	16	8	managers	manager	NOUN
hassl-4524	16	9	and	and	CCONJ
hassl-4524	16	10	policymakers	policymaker	NOUN
hassl-4524	16	11	,	,	PUNCT
hassl-4524	16	12	emphasizing	emphasize	VERB
hassl-4524	16	13	the	the	DET
hassl-4524	16	14	need	need	NOUN
hassl-4524	16	15	for	for	ADP
hassl-4524	16	16	targeted	target	VERB
hassl-4524	16	17	digital	digital	ADJ
hassl-4524	16	18	investments	investment	NOUN
hassl-4524	16	19	and	and	CCONJ
hassl-4524	16	20	supportive	supportive	ADJ
hassl-4524	16	21	regulatory	regulatory	ADJ
hassl-4524	16	22	frameworks	framework	NOUN
hassl-4524	16	23	to	to	PART
hassl-4524	16	24	ensure	ensure	VERB
hassl-4524	16	25	sustainable	sustainable	ADJ
hassl-4524	16	26	innovation	innovation	NOUN
hassl-4524	16	27	in	in	ADP
hassl-4524	16	28	the	the	DET
hassl-4524	16	29	banking	banking	NOUN
hassl-4524	16	30	sector	sector	NOUN
hassl-4524	16	31	.	.	PUNCT
hassl-4524	17	1	contribution	contribution	NOUN
hassl-4524	17	2	/	/	SYM
hassl-4524	17	3	originality	originality	NOUN
hassl-4524	17	4	:	:	PUNCT
hassl-4524	17	5	this	this	DET
hassl-4524	17	6	study	study	NOUN
hassl-4524	17	7	introduces	introduce	VERB
hassl-4524	17	8	a	a	DET
hassl-4524	17	9	novel	novel	ADJ
hassl-4524	17	10	text	text	NOUN
hassl-4524	17	11	-	-	PUNCT
hassl-4524	17	12	mining	mining	NOUN
hassl-4524	17	13	method	method	NOUN
hassl-4524	17	14	to	to	PART
hassl-4524	17	15	measure	measure	VERB
hassl-4524	17	16	digital	digital	ADJ
hassl-4524	17	17	transformation	transformation	NOUN
hassl-4524	17	18	and	and	CCONJ
hassl-4524	17	19	empirically	empirically	ADV
hassl-4524	17	20	explores	explore	VERB
hassl-4524	17	21	the	the	DET
hassl-4524	17	22	moderating	moderate	VERB
hassl-4524	17	23	role	role	NOUN
hassl-4524	17	24	of	of	ADP
hassl-4524	17	25	income	income	NOUN
hassl-4524	17	26	diversification	diversification	NOUN
hassl-4524	17	27	in	in	ADP
hassl-4524	17	28	its	its	PRON
hassl-4524	17	29	effect	effect	NOUN
hassl-4524	17	30	on	on	ADP
hassl-4524	17	31	bank	bank	NOUN
hassl-4524	17	32	stability	stability	NOUN
hassl-4524	17	33	.	.	PUNCT
hassl-4524	18	1	using	use	VERB
hassl-4524	18	2	panel	panel	NOUN
hassl-4524	18	3	data	datum	NOUN
hassl-4524	18	4	from	from	ADP
hassl-4524	18	5	vietnam	vietnam	PROPN
hassl-4524	18	6	,	,	PUNCT
hassl-4524	18	7	it	it	PRON
hassl-4524	18	8	offers	offer	VERB
hassl-4524	18	9	new	new	ADJ
hassl-4524	18	10	evidence	evidence	NOUN
hassl-4524	18	11	on	on	ADP
hassl-4524	18	12	how	how	SCONJ
hassl-4524	18	13	technology	technology	NOUN
hassl-4524	18	14	–	–	PUNCT
hassl-4524	18	15	strategy	strategy	NOUN
hassl-4524	18	16	alignment	alignment	NOUN
hassl-4524	18	17	enhances	enhance	VERB
hassl-4524	18	18	financial	financial	ADJ
hassl-4524	18	19	resilience	resilience	NOUN
hassl-4524	18	20	in	in	ADP
hassl-4524	18	21	emerging	emerge	VERB
hassl-4524	18	22	markets	market	NOUN
hassl-4524	18	23	.	.	PUNCT
hassl-4524	19	1	1	1	X
hassl-4524	19	2	.	.	X
hassl-4524	19	3	introduction	introduction	NOUN
hassl-4524	19	4	the	the	DET
hassl-4524	19	5	banking	banking	NOUN
hassl-4524	19	6	sector	sector	NOUN
hassl-4524	19	7	in	in	ADP
hassl-4524	19	8	emerging	emerge	VERB
hassl-4524	19	9	economies	economy	NOUN
hassl-4524	19	10	is	be	AUX
hassl-4524	19	11	experiencing	experience	VERB
hassl-4524	19	12	a	a	DET
hassl-4524	19	13	significant	significant	ADJ
hassl-4524	19	14	shift	shift	NOUN
hassl-4524	19	15	due	due	ADP
hassl-4524	19	16	to	to	ADP
hassl-4524	19	17	the	the	DET
hassl-4524	19	18	rapid	rapid	ADJ
hassl-4524	19	19	integration	integration	NOUN
hassl-4524	19	20	of	of	ADP
hassl-4524	19	21	digital	digital	ADJ
hassl-4524	19	22	technologies	technology	NOUN
hassl-4524	19	23	.	.	PUNCT
hassl-4524	20	1	innovations	innovation	NOUN
hassl-4524	20	2	such	such	ADJ
hassl-4524	20	3	as	as	ADP
hassl-4524	20	4	blockchain	blockchain	NOUN
hassl-4524	20	5	,	,	PUNCT
hassl-4524	20	6	big	big	ADJ
hassl-4524	20	7	data	datum	NOUN
hassl-4524	20	8	analytics	analytic	NOUN
hassl-4524	20	9	,	,	PUNCT
hassl-4524	20	10	artificial	artificial	ADJ
hassl-4524	20	11	intelligence	intelligence	NOUN
hassl-4524	20	12	(	(	PUNCT
hassl-4524	20	13	ai	ai	NOUN
hassl-4524	20	14	)	)	PUNCT
hassl-4524	20	15	,	,	PUNCT
hassl-4524	20	16	and	and	CCONJ
hassl-4524	20	17	cloud	cloud	NOUN
hassl-4524	20	18	computing	computing	NOUN
hassl-4524	20	19	are	be	AUX
hassl-4524	20	20	reshaping	reshape	VERB
hassl-4524	20	21	traditional	traditional	ADJ
hassl-4524	20	22	banking	banking	NOUN
hassl-4524	20	23	models	model	NOUN
hassl-4524	20	24	,	,	PUNCT
hassl-4524	20	25	improving	improve	VERB
hassl-4524	20	26	service	service	NOUN
hassl-4524	20	27	delivery	delivery	NOUN
hassl-4524	20	28	,	,	PUNCT
hassl-4524	20	29	reducing	reduce	VERB
hassl-4524	20	30	operational	operational	ADJ
hassl-4524	20	31	costs	cost	NOUN
hassl-4524	20	32	,	,	PUNCT
hassl-4524	20	33	and	and	CCONJ
hassl-4524	20	34	expanding	expand	VERB
hassl-4524	20	35	financial	financial	ADJ
hassl-4524	20	36	inclusion	inclusion	NOUN
hassl-4524	20	37	.	.	PUNCT
hassl-4524	21	1	these	these	DET
hassl-4524	21	2	advancements	advancement	NOUN
hassl-4524	21	3	have	have	AUX
hassl-4524	21	4	enabled	enable	VERB
hassl-4524	21	5	banks	bank	NOUN
hassl-4524	21	6	to	to	PART
hassl-4524	21	7	enhance	enhance	VERB
hassl-4524	21	8	customer	customer	NOUN
hassl-4524	21	9	service	service	NOUN
hassl-4524	21	10	and	and	CCONJ
hassl-4524	21	11	strengthen	strengthen	VERB
hassl-4524	21	12	internal	internal	ADJ
hassl-4524	21	13	control	control	NOUN
hassl-4524	21	14	mechanisms	mechanism	NOUN
hassl-4524	21	15	.	.	PUNCT
hassl-4524	22	1	however	however	ADV
hassl-4524	22	2	,	,	PUNCT
hassl-4524	22	3	they	they	PRON
hassl-4524	22	4	also	also	ADV
hassl-4524	22	5	introduce	introduce	VERB
hassl-4524	22	6	new	new	ADJ
hassl-4524	22	7	challenges	challenge	NOUN
hassl-4524	22	8	,	,	PUNCT
hassl-4524	22	9	particularly	particularly	ADV
hassl-4524	22	10	in	in	ADP
hassl-4524	22	11	the	the	DET
hassl-4524	22	12	form	form	NOUN
hassl-4524	22	13	of	of	ADP
hassl-4524	22	14	cybersecurity	cybersecurity	NOUN
hassl-4524	22	15	threats	threat	NOUN
hassl-4524	22	16	,	,	PUNCT
hassl-4524	22	17	data	datum	NOUN
hassl-4524	22	18	privacy	privacy	NOUN
hassl-4524	22	19	issues	issue	NOUN
hassl-4524	22	20	,	,	PUNCT
hassl-4524	22	21	and	and	CCONJ
hassl-4524	22	22	the	the	DET
hassl-4524	22	23	potential	potential	NOUN
hassl-4524	22	24	for	for	ADP
hassl-4524	22	25	operational	operational	ADJ
hassl-4524	22	26	disruptions	disruption	NOUN
hassl-4524	22	27	,	,	PUNCT
hassl-4524	22	28	which	which	PRON
hassl-4524	22	29	may	may	AUX
hassl-4524	22	30	adversely	adversely	ADV
hassl-4524	22	31	affect	affect	VERB
hassl-4524	22	32	financial	financial	ADJ
hassl-4524	22	33	stability	stability	NOUN
hassl-4524	22	34	.	.	PUNCT
hassl-4524	23	1	humanities	humanity	NOUN
hassl-4524	23	2	and	and	CCONJ
hassl-4524	23	3	social	social	ADJ
hassl-4524	23	4	sciences	science	NOUN
hassl-4524	23	5	letters	letter	NOUN
hassl-4524	23	6	2025	2025	NUM
hassl-4524	23	7	vol	vol	NOUN
hassl-4524	23	8	.	.	PROPN
hassl-4524	23	9	13	13	NUM
hassl-4524	23	10	,	,	PUNCT
hassl-4524	23	11	no	no	INTJ
hassl-4524	23	12	.	.	NOUN
hassl-4524	23	13	4	4	NUM
hassl-4524	23	14	,	,	PUNCT
hassl-4524	23	15	pp	pp	ADJ
hassl-4524	23	16	.	.	PUNCT
hassl-4524	24	1	1508	1508	NUM
hassl-4524	24	2	-	-	SYM
hassl-4524	24	3	1519	1519	NUM
hassl-4524	24	4	issn(e	issn(e	NOUN
hassl-4524	24	5	):	):	PUNCT
hassl-4524	24	6	2312	2312	NUM
hassl-4524	24	7	-	-	SYM
hassl-4524	24	8	4318	4318	NUM
hassl-4524	24	9	issn(p	issn(p	NUM
hassl-4524	24	10	):	):	PUNCT
hassl-4524	24	11	2312	2312	NUM
hassl-4524	24	12	-	-	SYM
hassl-4524	24	13	5659	5659	NUM
hassl-4524	24	14	doi	doi	NOUN
hassl-4524	24	15	:	:	PUNCT
hassl-4524	24	16	10.18488/73.v13i4.4524	10.18488/73.v13i4.4524	ADJ
hassl-4524	24	17	©	©	PROPN
hassl-4524	24	18	2025	2025	NUM
hassl-4524	24	19	conscientia	conscientia	PROPN
hassl-4524	24	20	beam	beam	PROPN
hassl-4524	24	21	.	.	PUNCT
hassl-4524	25	1	all	all	DET
hassl-4524	25	2	rights	right	NOUN
hassl-4524	25	3	reserved	reserve	VERB
hassl-4524	25	4	.	.	PUNCT
hassl-4524	26	1	mailto:trungbh@hvnh.edu.vn	mailto:trungbh@hvnh.edu.vn	PROPN
hassl-4524	26	2	mailto:25a4013173@hvnh.edu.vn	mailto:25a4013173@hvnh.edu.vn	ADJ
hassl-4524	26	3	mailto:25a4012986@hvnh.edu.vn	mailto:25a4012986@hvnh.edu.vn	PROPN
hassl-4524	26	4	mailto:25a4013261@hvnh.edu.vn	mailto:25a4013261@hvnh.edu.vn	PROPN
hassl-4524	26	5	mailto:25a4013046@hvnh.edu.vn	mailto:25a4013046@hvnh.edu.vn	NOUN
hassl-4524	26	6	https://orcid.org/0009-0004-5940-8737	https://orcid.org/0009-0004-5940-8737	VERB
hassl-4524	26	7	https://orcid.org/0009-0006-5312-4033	https://orcid.org/0009-0006-5312-4033	INTJ
hassl-4524	26	8	https://orcid.org/0009-0004-0771-8047	https://orcid.org/0009-0004-0771-8047	NOUN
hassl-4524	26	9	https://orcid.org/0009-0008-6340-6565	https://orcid.org/0009-0008-6340-6565	NOUN
hassl-4524	26	10	https://orcid.org/0009-0003-8326-2558	https://orcid.org/0009-0003-8326-2558	PROPN
hassl-4524	26	11	https://www.doi.org/10.18488/73.v13i4.4524	https://www.doi.org/10.18488/73.v13i4.4524	PROPN
hassl-4524	26	12	humanities	humanity	NOUN
hassl-4524	26	13	and	and	CCONJ
hassl-4524	26	14	social	social	ADJ
hassl-4524	26	15	sciences	science	NOUN
hassl-4524	26	16	letters	letter	NOUN
hassl-4524	26	17	,	,	PUNCT
hassl-4524	26	18	2025	2025	NUM
hassl-4524	26	19	,	,	PUNCT
hassl-4524	26	20	13(4	13(4	NUM
hassl-4524	26	21	):	):	PUNCT
hassl-4524	26	22	1508	1508	NUM
hassl-4524	26	23	-	-	SYM
hassl-4524	26	24	1519	1519	NUM
hassl-4524	26	25	1509	1509	NUM
hassl-4524	26	26	©	©	PROPN
hassl-4524	26	27	2025	2025	NUM
hassl-4524	26	28	conscientia	conscientia	PROPN
hassl-4524	26	29	beam	beam	PROPN
hassl-4524	26	30	.	.	PUNCT
hassl-4524	27	1	all	all	DET
hassl-4524	27	2	rights	right	NOUN
hassl-4524	27	3	reserved	reserve	VERB
hassl-4524	27	4	.	.	PUNCT
hassl-4524	28	1	the	the	DET
hassl-4524	28	2	interaction	interaction	NOUN
hassl-4524	28	3	between	between	ADP
hassl-4524	28	4	digital	digital	ADJ
hassl-4524	28	5	transformation	transformation	NOUN
hassl-4524	28	6	and	and	CCONJ
hassl-4524	28	7	financial	financial	ADJ
hassl-4524	28	8	stability	stability	NOUN
hassl-4524	28	9	has	have	AUX
hassl-4524	28	10	garnered	garner	VERB
hassl-4524	28	11	increasing	increase	VERB
hassl-4524	28	12	attention	attention	NOUN
hassl-4524	28	13	in	in	ADP
hassl-4524	28	14	both	both	CCONJ
hassl-4524	28	15	academic	academic	ADJ
hassl-4524	28	16	and	and	CCONJ
hassl-4524	28	17	policy	policy	NOUN
hassl-4524	28	18	circles	circle	NOUN
hassl-4524	28	19	.	.	PUNCT
hassl-4524	29	1	digitalization	digitalization	NOUN
hassl-4524	29	2	enables	enable	VERB
hassl-4524	29	3	real	real	ADJ
hassl-4524	29	4	-	-	PUNCT
hassl-4524	29	5	time	time	NOUN
hassl-4524	29	6	risk	risk	NOUN
hassl-4524	29	7	monitoring	monitoring	NOUN
hassl-4524	29	8	,	,	PUNCT
hassl-4524	29	9	automates	automate	VERB
hassl-4524	29	10	compliance	compliance	NOUN
hassl-4524	29	11	processes	process	NOUN
hassl-4524	29	12	,	,	PUNCT
hassl-4524	29	13	and	and	CCONJ
hassl-4524	29	14	creates	create	VERB
hassl-4524	29	15	new	new	ADJ
hassl-4524	29	16	opportunities	opportunity	NOUN
hassl-4524	29	17	for	for	ADP
hassl-4524	29	18	non	non	ADJ
hassl-4524	29	19	-	-	ADJ
hassl-4524	29	20	interest	interest	ADJ
hassl-4524	29	21	income	income	NOUN
hassl-4524	29	22	,	,	PUNCT
hassl-4524	29	23	potentially	potentially	ADV
hassl-4524	29	24	enhancing	enhance	VERB
hassl-4524	29	25	the	the	DET
hassl-4524	29	26	resilience	resilience	NOUN
hassl-4524	29	27	of	of	ADP
hassl-4524	29	28	financial	financial	ADJ
hassl-4524	29	29	institutions	institution	NOUN
hassl-4524	29	30	.	.	PUNCT
hassl-4524	30	1	however	however	ADV
hassl-4524	30	2	,	,	PUNCT
hassl-4524	30	3	heavy	heavy	ADJ
hassl-4524	30	4	reliance	reliance	NOUN
hassl-4524	30	5	on	on	ADP
hassl-4524	30	6	digital	digital	ADJ
hassl-4524	30	7	infrastructure	infrastructure	NOUN
hassl-4524	30	8	may	may	AUX
hassl-4524	30	9	also	also	ADV
hassl-4524	30	10	increase	increase	VERB
hassl-4524	30	11	vulnerabilities	vulnerability	NOUN
hassl-4524	30	12	,	,	PUNCT
hassl-4524	30	13	especially	especially	ADV
hassl-4524	30	14	in	in	ADP
hassl-4524	30	15	countries	country	NOUN
hassl-4524	30	16	with	with	ADP
hassl-4524	30	17	limited	limited	ADJ
hassl-4524	30	18	regulatory	regulatory	ADJ
hassl-4524	30	19	oversight	oversight	NOUN
hassl-4524	30	20	or	or	CCONJ
hassl-4524	30	21	uneven	uneven	ADJ
hassl-4524	30	22	technological	technological	ADJ
hassl-4524	30	23	readiness	readiness	NOUN
hassl-4524	30	24	.	.	PUNCT
hassl-4524	31	1	the	the	DET
hassl-4524	31	2	shift	shift	NOUN
hassl-4524	31	3	toward	toward	ADP
hassl-4524	31	4	non	non	ADJ
hassl-4524	31	5	-	-	ADJ
hassl-4524	31	6	traditional	traditional	ADJ
hassl-4524	31	7	income	income	NOUN
hassl-4524	31	8	sources	source	NOUN
hassl-4524	31	9	and	and	CCONJ
hassl-4524	31	10	greater	great	ADJ
hassl-4524	31	11	investment	investment	NOUN
hassl-4524	31	12	in	in	ADP
hassl-4524	31	13	fintech	fintech	NOUN
hassl-4524	31	14	partnerships	partnership	NOUN
hassl-4524	31	15	can	can	AUX
hassl-4524	31	16	introduce	introduce	VERB
hassl-4524	31	17	new	new	ADJ
hassl-4524	31	18	risks	risk	NOUN
hassl-4524	31	19	,	,	PUNCT
hassl-4524	31	20	such	such	ADJ
hassl-4524	31	21	as	as	ADP
hassl-4524	31	22	technology	technology	NOUN
hassl-4524	31	23	dependence	dependence	NOUN
hassl-4524	31	24	,	,	PUNCT
hassl-4524	31	25	reputational	reputational	ADJ
hassl-4524	31	26	risks	risk	NOUN
hassl-4524	31	27	,	,	PUNCT
hassl-4524	31	28	and	and	CCONJ
hassl-4524	31	29	market	market	NOUN
hassl-4524	31	30	volatility	volatility	NOUN
hassl-4524	31	31	.	.	PUNCT
hassl-4524	32	1	this	this	DET
hassl-4524	32	2	duality	duality	NOUN
hassl-4524	32	3	presents	present	VERB
hassl-4524	32	4	a	a	DET
hassl-4524	32	5	significant	significant	ADJ
hassl-4524	32	6	challenge	challenge	NOUN
hassl-4524	32	7	for	for	ADP
hassl-4524	32	8	commercial	commercial	ADJ
hassl-4524	32	9	banks	bank	NOUN
hassl-4524	32	10	,	,	PUNCT
hassl-4524	32	11	especially	especially	ADV
hassl-4524	32	12	in	in	ADP
hassl-4524	32	13	emerging	emerge	VERB
hassl-4524	32	14	markets	market	NOUN
hassl-4524	32	15	like	like	ADP
hassl-4524	32	16	vietnam	vietnam	PROPN
hassl-4524	32	17	,	,	PUNCT
hassl-4524	32	18	where	where	SCONJ
hassl-4524	32	19	the	the	DET
hassl-4524	32	20	pace	pace	NOUN
hassl-4524	32	21	of	of	ADP
hassl-4524	32	22	digital	digital	ADJ
hassl-4524	32	23	adoption	adoption	NOUN
hassl-4524	32	24	has	have	AUX
hassl-4524	32	25	accelerated	accelerate	VERB
hassl-4524	32	26	in	in	ADP
hassl-4524	32	27	recent	recent	ADJ
hassl-4524	32	28	years	year	NOUN
hassl-4524	32	29	.	.	PUNCT
hassl-4524	33	1	vietnamese	vietnamese	ADJ
hassl-4524	33	2	banks	bank	NOUN
hassl-4524	33	3	have	have	AUX
hassl-4524	33	4	made	make	VERB
hassl-4524	33	5	substantial	substantial	ADJ
hassl-4524	33	6	investments	investment	NOUN
hassl-4524	33	7	in	in	ADP
hassl-4524	33	8	digital	digital	ADJ
hassl-4524	33	9	banking	banking	NOUN
hassl-4524	33	10	infrastructure	infrastructure	NOUN
hassl-4524	33	11	,	,	PUNCT
hassl-4524	33	12	mobile	mobile	ADJ
hassl-4524	33	13	applications	application	NOUN
hassl-4524	33	14	,	,	PUNCT
hassl-4524	33	15	and	and	CCONJ
hassl-4524	33	16	electronic	electronic	ADJ
hassl-4524	33	17	payment	payment	NOUN
hassl-4524	33	18	systems	system	NOUN
hassl-4524	33	19	,	,	PUNCT
hassl-4524	33	20	supported	support	VERB
hassl-4524	33	21	by	by	ADP
hassl-4524	33	22	government	government	NOUN
hassl-4524	33	23	initiatives	initiative	NOUN
hassl-4524	33	24	aimed	aim	VERB
hassl-4524	33	25	at	at	ADP
hassl-4524	33	26	promoting	promote	VERB
hassl-4524	33	27	financial	financial	ADJ
hassl-4524	33	28	innovation	innovation	NOUN
hassl-4524	33	29	.	.	PUNCT
hassl-4524	34	1	while	while	SCONJ
hassl-4524	34	2	these	these	DET
hassl-4524	34	3	developments	development	NOUN
hassl-4524	34	4	are	be	AUX
hassl-4524	34	5	promising	promise	VERB
hassl-4524	34	6	,	,	PUNCT
hassl-4524	34	7	they	they	PRON
hassl-4524	34	8	have	have	AUX
hassl-4524	34	9	also	also	ADV
hassl-4524	34	10	coincided	coincide	VERB
hassl-4524	34	11	with	with	ADP
hassl-4524	34	12	rising	rise	VERB
hassl-4524	34	13	concerns	concern	NOUN
hassl-4524	34	14	about	about	ADP
hassl-4524	34	15	systemic	systemic	ADJ
hassl-4524	34	16	risk	risk	NOUN
hassl-4524	34	17	and	and	CCONJ
hassl-4524	34	18	financial	financial	ADJ
hassl-4524	34	19	fragility	fragility	NOUN
hassl-4524	34	20	,	,	PUNCT
hassl-4524	34	21	particularly	particularly	ADV
hassl-4524	34	22	in	in	ADP
hassl-4524	34	23	the	the	DET
hassl-4524	34	24	wake	wake	NOUN
hassl-4524	34	25	of	of	ADP
hassl-4524	34	26	global	global	ADJ
hassl-4524	34	27	economic	economic	ADJ
hassl-4524	34	28	uncertainties	uncertainty	NOUN
hassl-4524	34	29	and	and	CCONJ
hassl-4524	34	30	technological	technological	ADJ
hassl-4524	34	31	disruptions	disruption	NOUN
hassl-4524	34	32	.	.	PUNCT
hassl-4524	35	1	although	although	SCONJ
hassl-4524	35	2	the	the	DET
hassl-4524	35	3	issue	issue	NOUN
hassl-4524	35	4	is	be	AUX
hassl-4524	35	5	becoming	become	VERB
hassl-4524	35	6	increasingly	increasingly	ADV
hassl-4524	35	7	important	important	ADJ
hassl-4524	35	8	,	,	PUNCT
hassl-4524	35	9	there	there	PRON
hassl-4524	35	10	is	be	VERB
hassl-4524	35	11	still	still	ADV
hassl-4524	35	12	limited	limit	VERB
hassl-4524	35	13	empirical	empirical	ADJ
hassl-4524	35	14	research	research	NOUN
hassl-4524	35	15	examining	examine	VERB
hassl-4524	35	16	the	the	DET
hassl-4524	35	17	link	link	NOUN
hassl-4524	35	18	between	between	ADP
hassl-4524	35	19	digital	digital	ADJ
hassl-4524	35	20	transformation	transformation	NOUN
hassl-4524	35	21	and	and	CCONJ
hassl-4524	35	22	financial	financial	ADJ
hassl-4524	35	23	stability	stability	NOUN
hassl-4524	35	24	in	in	ADP
hassl-4524	35	25	the	the	DET
hassl-4524	35	26	context	context	NOUN
hassl-4524	35	27	of	of	ADP
hassl-4524	35	28	vietnamese	vietnamese	ADJ
hassl-4524	35	29	banks	bank	NOUN
hassl-4524	35	30	.	.	PUNCT
hassl-4524	36	1	this	this	DET
hassl-4524	36	2	study	study	NOUN
hassl-4524	36	3	contributes	contribute	VERB
hassl-4524	36	4	to	to	ADP
hassl-4524	36	5	the	the	DET
hassl-4524	36	6	literature	literature	NOUN
hassl-4524	36	7	by	by	ADP
hassl-4524	36	8	empirically	empirically	ADV
hassl-4524	36	9	examining	examine	VERB
hassl-4524	36	10	the	the	DET
hassl-4524	36	11	effects	effect	NOUN
hassl-4524	36	12	of	of	ADP
hassl-4524	36	13	digital	digital	ADJ
hassl-4524	36	14	transformation	transformation	NOUN
hassl-4524	36	15	on	on	ADP
hassl-4524	36	16	the	the	DET
hassl-4524	36	17	financial	financial	ADJ
hassl-4524	36	18	stability	stability	NOUN
hassl-4524	36	19	of	of	ADP
hassl-4524	36	20	vietnamese	vietnamese	ADJ
hassl-4524	36	21	commercial	commercial	ADJ
hassl-4524	36	22	banks	bank	NOUN
hassl-4524	36	23	over	over	ADP
hassl-4524	36	24	the	the	DET
hassl-4524	36	25	2010–2023	2010–2023	NUM
hassl-4524	36	26	period	period	NOUN
hassl-4524	36	27	,	,	PUNCT
hassl-4524	36	28	with	with	ADP
hassl-4524	36	29	a	a	DET
hassl-4524	36	30	particular	particular	ADJ
hassl-4524	36	31	focus	focus	NOUN
hassl-4524	36	32	on	on	ADP
hassl-4524	36	33	the	the	DET
hassl-4524	36	34	moderating	moderate	VERB
hassl-4524	36	35	role	role	NOUN
hassl-4524	36	36	of	of	ADP
hassl-4524	36	37	income	income	NOUN
hassl-4524	36	38	diversification	diversification	NOUN
hassl-4524	36	39	a	a	DET
hassl-4524	36	40	dimension	dimension	NOUN
hassl-4524	36	41	that	that	PRON
hassl-4524	36	42	remains	remain	VERB
hassl-4524	36	43	underexplored	underexplored	ADJ
hassl-4524	36	44	in	in	ADP
hassl-4524	36	45	digital	digital	ADJ
hassl-4524	36	46	finance	finance	NOUN
hassl-4524	36	47	research	research	NOUN
hassl-4524	36	48	.	.	PUNCT
hassl-4524	37	1	by	by	ADP
hassl-4524	37	2	combining	combine	VERB
hassl-4524	37	3	a	a	DET
hassl-4524	37	4	novel	novel	ADJ
hassl-4524	37	5	text	text	NOUN
hassl-4524	37	6	-	-	PUNCT
hassl-4524	37	7	mining	mining	NOUN
hassl-4524	37	8	technique	technique	NOUN
hassl-4524	37	9	that	that	PRON
hassl-4524	37	10	quantifies	quantify	VERB
hassl-4524	37	11	digital	digital	ADJ
hassl-4524	37	12	transformation	transformation	NOUN
hassl-4524	37	13	from	from	ADP
hassl-4524	37	14	narrative	narrative	ADJ
hassl-4524	37	15	disclosures	disclosure	NOUN
hassl-4524	37	16	in	in	ADP
hassl-4524	37	17	annual	annual	ADJ
hassl-4524	37	18	reports	report	NOUN
hassl-4524	37	19	with	with	ADP
hassl-4524	37	20	the	the	DET
hassl-4524	37	21	system	system	NOUN
hassl-4524	37	22	generalized	generalize	VERB
hassl-4524	37	23	method	method	NOUN
hassl-4524	37	24	of	of	ADP
hassl-4524	37	25	moments	moment	NOUN
hassl-4524	37	26	(	(	PUNCT
hassl-4524	37	27	system	system	NOUN
hassl-4524	37	28	gmm	gmm	NOUN
hassl-4524	37	29	)	)	PUNCT
hassl-4524	37	30	estimator	estimator	NOUN
hassl-4524	37	31	,	,	PUNCT
hassl-4524	37	32	the	the	DET
hassl-4524	37	33	study	study	NOUN
hassl-4524	37	34	provides	provide	VERB
hassl-4524	37	35	robust	robust	ADJ
hassl-4524	37	36	evidence	evidence	NOUN
hassl-4524	37	37	on	on	ADP
hassl-4524	37	38	how	how	SCONJ
hassl-4524	37	39	the	the	DET
hassl-4524	37	40	interaction	interaction	NOUN
hassl-4524	37	41	between	between	ADP
hassl-4524	37	42	technology	technology	NOUN
hassl-4524	37	43	adoption	adoption	NOUN
hassl-4524	37	44	and	and	CCONJ
hassl-4524	37	45	income	income	NOUN
hassl-4524	37	46	structure	structure	NOUN
hassl-4524	37	47	shapes	shape	VERB
hassl-4524	37	48	bank	bank	NOUN
hassl-4524	37	49	resilience	resilience	NOUN
hassl-4524	37	50	.	.	PUNCT
hassl-4524	38	1	the	the	DET
hassl-4524	38	2	results	result	NOUN
hassl-4524	38	3	offer	offer	VERB
hassl-4524	38	4	practical	practical	ADJ
hassl-4524	38	5	implications	implication	NOUN
hassl-4524	38	6	for	for	ADP
hassl-4524	38	7	strategy	strategy	NOUN
hassl-4524	38	8	alignment	alignment	NOUN
hassl-4524	38	9	,	,	PUNCT
hassl-4524	38	10	risk	risk	NOUN
hassl-4524	38	11	management	management	NOUN
hassl-4524	38	12	,	,	PUNCT
hassl-4524	38	13	and	and	CCONJ
hassl-4524	38	14	regulatory	regulatory	ADJ
hassl-4524	38	15	design	design	NOUN
hassl-4524	38	16	in	in	ADP
hassl-4524	38	17	emerging	emerge	VERB
hassl-4524	38	18	financial	financial	ADJ
hassl-4524	38	19	systems	system	NOUN
hassl-4524	38	20	,	,	PUNCT
hassl-4524	38	21	where	where	SCONJ
hassl-4524	38	22	both	both	DET
hassl-4524	38	23	digitalization	digitalization	NOUN
hassl-4524	38	24	and	and	CCONJ
hassl-4524	38	25	diversification	diversification	NOUN
hassl-4524	38	26	are	be	AUX
hassl-4524	38	27	central	central	ADJ
hassl-4524	38	28	to	to	AUX
hassl-4524	38	29	sustainable	sustainable	ADJ
hassl-4524	38	30	stability	stability	NOUN
hassl-4524	38	31	.	.	PUNCT
hassl-4524	39	1	2	2	X
hassl-4524	39	2	.	.	X
hassl-4524	39	3	literature	literature	NOUN
hassl-4524	39	4	review	review	PROPN
hassl-4524	39	5	and	and	CCONJ
hassl-4524	39	6	hypotheses	hypothese	VERB
hassl-4524	39	7	development	development	NOUN
hassl-4524	39	8	the	the	DET
hassl-4524	39	9	banking	banking	NOUN
hassl-4524	39	10	industry	industry	NOUN
hassl-4524	39	11	has	have	AUX
hassl-4524	39	12	experienced	experience	VERB
hassl-4524	39	13	substantial	substantial	ADJ
hassl-4524	39	14	changes	change	NOUN
hassl-4524	39	15	driven	drive	VERB
hassl-4524	39	16	by	by	ADP
hassl-4524	39	17	advancements	advancement	NOUN
hassl-4524	39	18	in	in	ADP
hassl-4524	39	19	digital	digital	ADJ
hassl-4524	39	20	technology	technology	NOUN
hassl-4524	39	21	,	,	PUNCT
hassl-4524	39	22	particularly	particularly	ADV
hassl-4524	39	23	in	in	ADP
hassl-4524	39	24	emerging	emerge	VERB
hassl-4524	39	25	markets	market	NOUN
hassl-4524	39	26	where	where	SCONJ
hassl-4524	39	27	financial	financial	ADJ
hassl-4524	39	28	institutions	institution	NOUN
hassl-4524	39	29	seek	seek	VERB
hassl-4524	39	30	to	to	PART
hassl-4524	39	31	expand	expand	VERB
hassl-4524	39	32	access	access	NOUN
hassl-4524	39	33	,	,	PUNCT
hassl-4524	39	34	optimize	optimize	NOUN
hassl-4524	39	35	operational	operational	ADJ
hassl-4524	39	36	efficiency	efficiency	NOUN
hassl-4524	39	37	,	,	PUNCT
hassl-4524	39	38	and	and	CCONJ
hassl-4524	39	39	enhance	enhance	VERB
hassl-4524	39	40	risk	risk	NOUN
hassl-4524	39	41	management	management	NOUN
hassl-4524	39	42	.	.	PUNCT
hassl-4524	40	1	digital	digital	ADJ
hassl-4524	40	2	transformation	transformation	NOUN
hassl-4524	40	3	has	have	AUX
hassl-4524	40	4	emerged	emerge	VERB
hassl-4524	40	5	as	as	ADP
hassl-4524	40	6	a	a	DET
hassl-4524	40	7	key	key	ADJ
hassl-4524	40	8	strategic	strategic	ADJ
hassl-4524	40	9	focus	focus	NOUN
hassl-4524	40	10	,	,	PUNCT
hassl-4524	40	11	enabling	enable	VERB
hassl-4524	40	12	banks	bank	NOUN
hassl-4524	40	13	to	to	PART
hassl-4524	40	14	streamline	streamline	VERB
hassl-4524	40	15	processes	process	NOUN
hassl-4524	40	16	,	,	PUNCT
hassl-4524	40	17	reduce	reduce	VERB
hassl-4524	40	18	transaction	transaction	NOUN
hassl-4524	40	19	costs	cost	NOUN
hassl-4524	40	20	,	,	PUNCT
hassl-4524	40	21	and	and	CCONJ
hassl-4524	40	22	deliver	deliver	VERB
hassl-4524	40	23	more	more	ADV
hassl-4524	40	24	advanced	advanced	ADJ
hassl-4524	40	25	financial	financial	ADJ
hassl-4524	40	26	services	service	NOUN
hassl-4524	40	27	.	.	PUNCT
hassl-4524	41	1	however	however	ADV
hassl-4524	41	2	,	,	PUNCT
hassl-4524	41	3	its	its	PRON
hassl-4524	41	4	implications	implication	NOUN
hassl-4524	41	5	for	for	ADP
hassl-4524	41	6	financial	financial	ADJ
hassl-4524	41	7	stability	stability	NOUN
hassl-4524	41	8	remain	remain	VERB
hassl-4524	41	9	uncertain	uncertain	ADJ
hassl-4524	41	10	,	,	PUNCT
hassl-4524	41	11	as	as	SCONJ
hassl-4524	41	12	rapid	rapid	ADJ
hassl-4524	41	13	technological	technological	ADJ
hassl-4524	41	14	adoption	adoption	NOUN
hassl-4524	41	15	introduces	introduce	VERB
hassl-4524	41	16	new	new	ADJ
hassl-4524	41	17	risks	risk	NOUN
hassl-4524	41	18	such	such	ADJ
hassl-4524	41	19	as	as	ADP
hassl-4524	41	20	cybersecurity	cybersecurity	NOUN
hassl-4524	41	21	threats	threat	NOUN
hassl-4524	41	22	,	,	PUNCT
hassl-4524	41	23	regulatory	regulatory	ADJ
hassl-4524	41	24	challenges	challenge	NOUN
hassl-4524	41	25	,	,	PUNCT
hassl-4524	41	26	and	and	CCONJ
hassl-4524	41	27	earnings	earning	NOUN
hassl-4524	41	28	volatility	volatility	NOUN
hassl-4524	41	29	.	.	PUNCT
hassl-4524	42	1	understanding	understand	VERB
hassl-4524	42	2	whether	whether	SCONJ
hassl-4524	42	3	digital	digital	ADJ
hassl-4524	42	4	transformation	transformation	NOUN
hassl-4524	42	5	strengthens	strengthen	VERB
hassl-4524	42	6	or	or	CCONJ
hassl-4524	42	7	undermines	undermine	VERB
hassl-4524	42	8	financial	financial	ADJ
hassl-4524	42	9	stability	stability	NOUN
hassl-4524	42	10	is	be	AUX
hassl-4524	42	11	essential	essential	ADJ
hassl-4524	42	12	,	,	PUNCT
hassl-4524	42	13	especially	especially	ADV
hassl-4524	42	14	in	in	ADP
hassl-4524	42	15	economies	economy	NOUN
hassl-4524	42	16	where	where	SCONJ
hassl-4524	42	17	traditional	traditional	ADJ
hassl-4524	42	18	banking	banking	NOUN
hassl-4524	42	19	models	model	NOUN
hassl-4524	42	20	still	still	ADV
hassl-4524	42	21	dominate	dominate	VERB
hassl-4524	42	22	and	and	CCONJ
hassl-4524	42	23	regulatory	regulatory	ADJ
hassl-4524	42	24	frameworks	framework	NOUN
hassl-4524	42	25	struggle	struggle	VERB
hassl-4524	42	26	to	to	PART
hassl-4524	42	27	keep	keep	VERB
hassl-4524	42	28	pace	pace	NOUN
hassl-4524	42	29	with	with	ADP
hassl-4524	42	30	innovation	innovation	NOUN
hassl-4524	42	31	.	.	PUNCT
hassl-4524	43	1	digital	digital	ADJ
hassl-4524	43	2	transformation	transformation	NOUN
hassl-4524	43	3	in	in	ADP
hassl-4524	43	4	the	the	DET
hassl-4524	43	5	banking	banking	NOUN
hassl-4524	43	6	sector	sector	NOUN
hassl-4524	43	7	involves	involve	VERB
hassl-4524	43	8	a	a	DET
hassl-4524	43	9	wide	wide	ADJ
hassl-4524	43	10	array	array	NOUN
hassl-4524	43	11	of	of	ADP
hassl-4524	43	12	technological	technological	ADJ
hassl-4524	43	13	innovations	innovation	NOUN
hassl-4524	43	14	,	,	PUNCT
hassl-4524	43	15	including	include	VERB
hassl-4524	43	16	automation	automation	NOUN
hassl-4524	43	17	,	,	PUNCT
hassl-4524	43	18	blockchain	blockchain	PROPN
hassl-4524	43	19	,	,	PUNCT
hassl-4524	43	20	big	big	ADJ
hassl-4524	43	21	data	datum	NOUN
hassl-4524	43	22	analytics	analytic	NOUN
hassl-4524	43	23	,	,	PUNCT
hassl-4524	43	24	ai	ai	VERB
hassl-4524	43	25	,	,	PUNCT
hassl-4524	43	26	and	and	CCONJ
hassl-4524	43	27	cloud	cloud	NOUN
hassl-4524	43	28	computing	computing	NOUN
hassl-4524	43	29	.	.	PUNCT
hassl-4524	44	1	these	these	DET
hassl-4524	44	2	technologies	technology	NOUN
hassl-4524	44	3	enhance	enhance	VERB
hassl-4524	44	4	operational	operational	ADJ
hassl-4524	44	5	efficiency	efficiency	NOUN
hassl-4524	44	6	by	by	ADP
hassl-4524	44	7	reducing	reduce	VERB
hassl-4524	44	8	transaction	transaction	NOUN
hassl-4524	44	9	costs	cost	NOUN
hassl-4524	44	10	,	,	PUNCT
hassl-4524	44	11	improving	improve	VERB
hassl-4524	44	12	risk	risk	NOUN
hassl-4524	44	13	management	management	NOUN
hassl-4524	44	14	,	,	PUNCT
hassl-4524	44	15	and	and	CCONJ
hassl-4524	44	16	enabling	enable	VERB
hassl-4524	44	17	real	real	ADJ
hassl-4524	44	18	-	-	PUNCT
hassl-4524	44	19	time	time	NOUN
hassl-4524	44	20	decision	decision	NOUN
hassl-4524	44	21	-	-	PUNCT
hassl-4524	44	22	making	making	NOUN
hassl-4524	44	23	(	(	PUNCT
hassl-4524	44	24	begenau	begenau	PROPN
hassl-4524	44	25	,	,	PUNCT
hassl-4524	44	26	farboodi	farboodi	NOUN
hassl-4524	44	27	,	,	PUNCT
hassl-4524	44	28	&	&	CCONJ
hassl-4524	44	29	veldkamp	veldkamp	ADJ
hassl-4524	44	30	,	,	PUNCT
hassl-4524	44	31	2018	2018	NUM
hassl-4524	44	32	)	)	PUNCT
hassl-4524	44	33	.	.	PUNCT
hassl-4524	45	1	the	the	DET
hassl-4524	45	2	use	use	NOUN
hassl-4524	45	3	of	of	ADP
hassl-4524	45	4	ai	ai	NOUN
hassl-4524	45	5	and	and	CCONJ
hassl-4524	45	6	machine	machine	NOUN
hassl-4524	45	7	learning	learning	NOUN
hassl-4524	45	8	in	in	ADP
hassl-4524	45	9	credit	credit	NOUN
hassl-4524	45	10	scoring	scoring	NOUN
hassl-4524	45	11	and	and	CCONJ
hassl-4524	45	12	fraud	fraud	NOUN
hassl-4524	45	13	detection	detection	NOUN
hassl-4524	45	14	allows	allow	VERB
hassl-4524	45	15	banks	bank	NOUN
hassl-4524	45	16	to	to	PART
hassl-4524	45	17	make	make	VERB
hassl-4524	45	18	faster	fast	ADV
hassl-4524	45	19	and	and	CCONJ
hassl-4524	45	20	more	more	ADV
hassl-4524	45	21	accurate	accurate	ADJ
hassl-4524	45	22	lending	lending	NOUN
hassl-4524	45	23	decisions	decision	NOUN
hassl-4524	45	24	,	,	PUNCT
hassl-4524	45	25	thereby	thereby	ADV
hassl-4524	45	26	improving	improve	VERB
hassl-4524	45	27	credit	credit	NOUN
hassl-4524	45	28	portfolio	portfolio	NOUN
hassl-4524	45	29	quality	quality	NOUN
hassl-4524	45	30	and	and	CCONJ
hassl-4524	45	31	reducing	reduce	VERB
hassl-4524	45	32	default	default	NOUN
hassl-4524	45	33	risks	risk	NOUN
hassl-4524	45	34	(	(	PUNCT
hassl-4524	45	35	fuster	fuster	NOUN
hassl-4524	45	36	,	,	PUNCT
hassl-4524	45	37	plosser	plosser	NOUN
hassl-4524	45	38	,	,	PUNCT
hassl-4524	45	39	schnabl	schnabl	NOUN
hassl-4524	45	40	,	,	PUNCT
hassl-4524	45	41	&	&	CCONJ
hassl-4524	45	42	vickery	vickery	PROPN
hassl-4524	45	43	,	,	PUNCT
hassl-4524	45	44	2019	2019	NUM
hassl-4524	45	45	)	)	PUNCT
hassl-4524	45	46	.	.	PUNCT
hassl-4524	46	1	the	the	DET
hassl-4524	46	2	integration	integration	NOUN
hassl-4524	46	3	of	of	ADP
hassl-4524	46	4	blockchain	blockchain	PROPN
hassl-4524	46	5	technology	technology	PROPN
hassl-4524	46	6	further	far	ADV
hassl-4524	46	7	enhances	enhance	VERB
hassl-4524	46	8	security	security	NOUN
hassl-4524	46	9	and	and	CCONJ
hassl-4524	46	10	transparency	transparency	NOUN
hassl-4524	46	11	in	in	ADP
hassl-4524	46	12	transactions	transaction	NOUN
hassl-4524	46	13	,	,	PUNCT
hassl-4524	46	14	minimizing	minimize	VERB
hassl-4524	46	15	fraud	fraud	NOUN
hassl-4524	46	16	and	and	CCONJ
hassl-4524	46	17	operational	operational	ADJ
hassl-4524	46	18	inefficiencies	inefficiency	NOUN
hassl-4524	46	19	(	(	PUNCT
hassl-4524	46	20	chiu	chiu	PROPN
hassl-4524	46	21	&	&	CCONJ
hassl-4524	46	22	koeppl	koeppl	PROPN
hassl-4524	46	23	,	,	PUNCT
hassl-4524	46	24	2019	2019	NUM
hassl-4524	46	25	)	)	PUNCT
hassl-4524	46	26	.	.	PUNCT
hassl-4524	47	1	however	however	ADV
hassl-4524	47	2	,	,	PUNCT
hassl-4524	47	3	the	the	DET
hassl-4524	47	4	increased	increase	VERB
hassl-4524	47	5	reliance	reliance	NOUN
hassl-4524	47	6	on	on	ADP
hassl-4524	47	7	digital	digital	ADJ
hassl-4524	47	8	infrastructure	infrastructure	NOUN
hassl-4524	47	9	and	and	CCONJ
hassl-4524	47	10	fintech	fintech	NOUN
hassl-4524	47	11	partnerships	partnership	NOUN
hassl-4524	47	12	also	also	ADV
hassl-4524	47	13	exposes	expose	VERB
hassl-4524	47	14	banks	bank	NOUN
hassl-4524	47	15	to	to	ADP
hassl-4524	47	16	operational	operational	ADJ
hassl-4524	47	17	and	and	CCONJ
hassl-4524	47	18	systemic	systemic	ADJ
hassl-4524	47	19	risks	risk	NOUN
hassl-4524	47	20	,	,	PUNCT
hassl-4524	47	21	including	include	VERB
hassl-4524	47	22	cybersecurity	cybersecurity	NOUN
hassl-4524	47	23	threats	threat	NOUN
hassl-4524	47	24	,	,	PUNCT
hassl-4524	47	25	data	datum	NOUN
hassl-4524	47	26	privacy	privacy	NOUN
hassl-4524	47	27	concerns	concern	NOUN
hassl-4524	47	28	,	,	PUNCT
hassl-4524	47	29	and	and	CCONJ
hassl-4524	47	30	technological	technological	ADJ
hassl-4524	47	31	disruptions	disruption	NOUN
hassl-4524	47	32	.	.	PUNCT
hassl-4524	48	1	the	the	DET
hassl-4524	48	2	rapid	rapid	ADJ
hassl-4524	48	3	expansion	expansion	NOUN
hassl-4524	48	4	of	of	ADP
hassl-4524	48	5	digital	digital	ADJ
hassl-4524	48	6	banking	banking	NOUN
hassl-4524	48	7	also	also	ADV
hassl-4524	48	8	raises	raise	VERB
hassl-4524	48	9	regulatory	regulatory	ADJ
hassl-4524	48	10	challenges	challenge	NOUN
hassl-4524	48	11	,	,	PUNCT
hassl-4524	48	12	as	as	SCONJ
hassl-4524	48	13	many	many	ADJ
hassl-4524	48	14	emerging	emerge	VERB
hassl-4524	48	15	markets	market	NOUN
hassl-4524	48	16	lack	lack	VERB
hassl-4524	48	17	comprehensive	comprehensive	ADJ
hassl-4524	48	18	legal	legal	ADJ
hassl-4524	48	19	frameworks	framework	NOUN
hassl-4524	48	20	to	to	PART
hassl-4524	48	21	govern	govern	VERB
hassl-4524	48	22	fintech	fintech	NOUN
hassl-4524	48	23	activities	activity	NOUN
hassl-4524	48	24	,	,	PUNCT
hassl-4524	48	25	potentially	potentially	ADV
hassl-4524	48	26	leading	lead	VERB
hassl-4524	48	27	to	to	ADP
hassl-4524	48	28	financial	financial	ADJ
hassl-4524	48	29	instability	instability	NOUN
hassl-4524	48	30	(	(	PUNCT
hassl-4524	48	31	uddin	uddin	PROPN
hassl-4524	48	32	,	,	PUNCT
hassl-4524	48	33	ali	ali	PROPN
hassl-4524	48	34	,	,	PUNCT
hassl-4524	48	35	&	&	CCONJ
hassl-4524	48	36	hassan	hassan	PROPN
hassl-4524	48	37	,	,	PUNCT
hassl-4524	48	38	2020	2020	NUM
hassl-4524	48	39	)	)	PUNCT
hassl-4524	48	40	.	.	PUNCT
hassl-4524	49	1	humanities	humanity	NOUN
hassl-4524	49	2	and	and	CCONJ
hassl-4524	49	3	social	social	ADJ
hassl-4524	49	4	sciences	science	NOUN
hassl-4524	49	5	letters	letter	NOUN
hassl-4524	49	6	,	,	PUNCT
hassl-4524	49	7	2025	2025	NUM
hassl-4524	49	8	,	,	PUNCT
hassl-4524	49	9	13(4	13(4	NUM
hassl-4524	49	10	):	):	PUNCT
hassl-4524	49	11	1508	1508	NUM
hassl-4524	49	12	-	-	SYM
hassl-4524	49	13	1519	1519	NUM
hassl-4524	49	14	1510	1510	NUM
hassl-4524	49	15	©	©	PROPN
hassl-4524	49	16	2025	2025	NUM
hassl-4524	49	17	conscientia	conscientia	PROPN
hassl-4524	49	18	beam	beam	PROPN
hassl-4524	49	19	.	.	PUNCT
hassl-4524	50	1	all	all	DET
hassl-4524	50	2	rights	right	NOUN
hassl-4524	50	3	reserved	reserve	VERB
hassl-4524	50	4	.	.	PUNCT
hassl-4524	51	1	the	the	DET
hassl-4524	51	2	link	link	NOUN
hassl-4524	51	3	between	between	ADP
hassl-4524	51	4	digital	digital	ADJ
hassl-4524	51	5	transformation	transformation	NOUN
hassl-4524	51	6	and	and	CCONJ
hassl-4524	51	7	financial	financial	ADJ
hassl-4524	51	8	stability	stability	NOUN
hassl-4524	51	9	can	can	AUX
hassl-4524	51	10	be	be	AUX
hassl-4524	51	11	interpreted	interpret	VERB
hassl-4524	51	12	through	through	ADP
hassl-4524	51	13	contrasting	contrast	VERB
hassl-4524	51	14	theoretical	theoretical	ADJ
hassl-4524	51	15	perspectives	perspective	NOUN
hassl-4524	51	16	.	.	PUNCT
hassl-4524	52	1	financial	financial	ADJ
hassl-4524	52	2	intermediation	intermediation	NOUN
hassl-4524	52	3	theory	theory	NOUN
hassl-4524	52	4	(	(	PUNCT
hassl-4524	52	5	diamond	diamond	NOUN
hassl-4524	52	6	,	,	PUNCT
hassl-4524	52	7	1984	1984	NUM
hassl-4524	52	8	)	)	PUNCT
hassl-4524	52	9	suggests	suggest	VERB
hassl-4524	52	10	that	that	SCONJ
hassl-4524	52	11	banks	bank	NOUN
hassl-4524	52	12	play	play	VERB
hassl-4524	52	13	a	a	DET
hassl-4524	52	14	key	key	ADJ
hassl-4524	52	15	role	role	NOUN
hassl-4524	52	16	in	in	ADP
hassl-4524	52	17	mitigating	mitigate	VERB
hassl-4524	52	18	information	information	NOUN
hassl-4524	52	19	asymmetry	asymmetry	NOUN
hassl-4524	52	20	and	and	CCONJ
hassl-4524	52	21	efficiently	efficiently	ADV
hassl-4524	52	22	allocating	allocate	VERB
hassl-4524	52	23	capital	capital	NOUN
hassl-4524	52	24	.	.	PUNCT
hassl-4524	53	1	digital	digital	ADJ
hassl-4524	53	2	transformation	transformation	NOUN
hassl-4524	53	3	enhances	enhance	VERB
hassl-4524	53	4	this	this	DET
hassl-4524	53	5	function	function	NOUN
hassl-4524	53	6	by	by	ADP
hassl-4524	53	7	improving	improve	VERB
hassl-4524	53	8	credit	credit	NOUN
hassl-4524	53	9	risk	risk	NOUN
hassl-4524	53	10	assessment	assessment	NOUN
hassl-4524	53	11	,	,	PUNCT
hassl-4524	53	12	automating	automate	VERB
hassl-4524	53	13	lending	lending	NOUN
hassl-4524	53	14	decisions	decision	NOUN
hassl-4524	53	15	,	,	PUNCT
hassl-4524	53	16	and	and	CCONJ
hassl-4524	53	17	enabling	enable	VERB
hassl-4524	53	18	real	real	ADJ
hassl-4524	53	19	-	-	PUNCT
hassl-4524	53	20	time	time	NOUN
hassl-4524	53	21	financial	financial	ADJ
hassl-4524	53	22	monitoring	monitoring	NOUN
hassl-4524	53	23	.	.	PUNCT
hassl-4524	54	1	incorporating	incorporate	VERB
hassl-4524	54	2	ai	ai	NOUN
hassl-4524	54	3	and	and	CCONJ
hassl-4524	54	4	big	big	ADJ
hassl-4524	54	5	data	datum	NOUN
hassl-4524	54	6	analytics	analytic	NOUN
hassl-4524	54	7	improves	improve	VERB
hassl-4524	54	8	fraud	fraud	NOUN
hassl-4524	54	9	detection	detection	NOUN
hassl-4524	54	10	and	and	CCONJ
hassl-4524	54	11	increases	increase	VERB
hassl-4524	54	12	operational	operational	ADJ
hassl-4524	54	13	efficiency	efficiency	NOUN
hassl-4524	54	14	,	,	PUNCT
hassl-4524	54	15	thereby	thereby	ADV
hassl-4524	54	16	reducing	reduce	VERB
hassl-4524	54	17	banks	bank	NOUN
hassl-4524	54	18	'	'	PART
hassl-4524	54	19	vulnerability	vulnerability	NOUN
hassl-4524	54	20	to	to	ADP
hassl-4524	54	21	systemic	systemic	ADJ
hassl-4524	54	22	risks	risk	NOUN
hassl-4524	54	23	(	(	PUNCT
hassl-4524	54	24	fuster	fuster	NOUN
hassl-4524	54	25	et	et	PROPN
hassl-4524	54	26	al	al	PROPN
hassl-4524	54	27	.	.	PROPN
hassl-4524	54	28	,	,	PUNCT
hassl-4524	54	29	2019	2019	NUM
hassl-4524	54	30	)	)	PUNCT
hassl-4524	54	31	.	.	PUNCT
hassl-4524	55	1	additionally	additionally	ADV
hassl-4524	55	2	,	,	PUNCT
hassl-4524	55	3	digital	digital	ADJ
hassl-4524	55	4	banking	banking	NOUN
hassl-4524	55	5	services	service	NOUN
hassl-4524	55	6	lower	low	ADJ
hassl-4524	55	7	transaction	transaction	NOUN
hassl-4524	55	8	costs	cost	NOUN
hassl-4524	55	9	and	and	CCONJ
hassl-4524	55	10	expand	expand	VERB
hassl-4524	55	11	financial	financial	ADJ
hassl-4524	55	12	inclusion	inclusion	NOUN
hassl-4524	55	13	,	,	PUNCT
hassl-4524	55	14	stabilizing	stabilize	VERB
hassl-4524	55	15	cash	cash	NOUN
hassl-4524	55	16	flows	flow	NOUN
hassl-4524	55	17	and	and	CCONJ
hassl-4524	55	18	improving	improve	VERB
hassl-4524	55	19	liquidity	liquidity	NOUN
hassl-4524	55	20	management	management	NOUN
hassl-4524	55	21	(	(	PUNCT
hassl-4524	55	22	begenau	begenau	VERB
hassl-4524	55	23	et	et	PROPN
hassl-4524	55	24	al	al	PROPN
hassl-4524	55	25	.	.	PROPN
hassl-4524	55	26	,	,	PUNCT
hassl-4524	55	27	2018	2018	NUM
hassl-4524	55	28	)	)	PUNCT
hassl-4524	55	29	.	.	PUNCT
hassl-4524	56	1	however	however	ADV
hassl-4524	56	2	,	,	PUNCT
hassl-4524	56	3	disruptive	disruptive	ADJ
hassl-4524	56	4	innovation	innovation	NOUN
hassl-4524	56	5	theory	theory	NOUN
hassl-4524	56	6	(	(	PUNCT
hassl-4524	56	7	christensen	christensen	PROPN
hassl-4524	56	8	,	,	PUNCT
hassl-4524	56	9	1997	1997	NUM
hassl-4524	56	10	)	)	PUNCT
hassl-4524	56	11	presents	present	VERB
hassl-4524	56	12	a	a	DET
hassl-4524	56	13	contrasting	contrast	VERB
hassl-4524	56	14	view	view	NOUN
hassl-4524	56	15	,	,	PUNCT
hassl-4524	56	16	arguing	argue	VERB
hassl-4524	56	17	that	that	SCONJ
hassl-4524	56	18	technological	technological	ADJ
hassl-4524	56	19	innovation	innovation	NOUN
hassl-4524	56	20	introduces	introduce	VERB
hassl-4524	56	21	instability	instability	NOUN
hassl-4524	56	22	by	by	ADP
hassl-4524	56	23	fundamentally	fundamentally	ADV
hassl-4524	56	24	altering	alter	VERB
hassl-4524	56	25	traditional	traditional	ADJ
hassl-4524	56	26	business	business	NOUN
hassl-4524	56	27	models	model	NOUN
hassl-4524	56	28	.	.	PUNCT
hassl-4524	57	1	the	the	DET
hassl-4524	57	2	rapid	rapid	ADJ
hassl-4524	57	3	expansion	expansion	NOUN
hassl-4524	57	4	of	of	ADP
hassl-4524	57	5	fintech	fintech	NOUN
hassl-4524	57	6	firms	firm	NOUN
hassl-4524	57	7	and	and	CCONJ
hassl-4524	57	8	digital	digital	ADJ
hassl-4524	57	9	financial	financial	ADJ
hassl-4524	57	10	services	service	NOUN
hassl-4524	57	11	has	have	AUX
hassl-4524	57	12	increased	increase	VERB
hassl-4524	57	13	competition	competition	NOUN
hassl-4524	57	14	,	,	PUNCT
hassl-4524	57	15	reducing	reduce	VERB
hassl-4524	57	16	banks	bank	NOUN
hassl-4524	57	17	’	'	PUNCT
hassl-4524	57	18	market	market	NOUN
hassl-4524	57	19	power	power	NOUN
hassl-4524	57	20	and	and	CCONJ
hassl-4524	57	21	potentially	potentially	ADV
hassl-4524	57	22	eroding	erode	VERB
hassl-4524	57	23	profit	profit	NOUN
hassl-4524	57	24	margins	margin	NOUN
hassl-4524	57	25	(	(	PUNCT
hassl-4524	57	26	chiu	chiu	PROPN
hassl-4524	57	27	&	&	CCONJ
hassl-4524	57	28	koeppl	koeppl	PROPN
hassl-4524	57	29	,	,	PUNCT
hassl-4524	57	30	2019	2019	NUM
hassl-4524	57	31	)	)	PUNCT
hassl-4524	57	32	.	.	PUNCT
hassl-4524	58	1	moreover	moreover	ADV
hassl-4524	58	2	,	,	PUNCT
hassl-4524	58	3	excessive	excessive	ADJ
hassl-4524	58	4	reliance	reliance	NOUN
hassl-4524	58	5	on	on	ADP
hassl-4524	58	6	algorithmic	algorithmic	ADJ
hassl-4524	58	7	credit	credit	NOUN
hassl-4524	58	8	scoring	scoring	NOUN
hassl-4524	58	9	and	and	CCONJ
hassl-4524	58	10	automated	automate	VERB
hassl-4524	58	11	lending	lending	NOUN
hassl-4524	58	12	can	can	AUX
hassl-4524	58	13	lead	lead	VERB
hassl-4524	58	14	to	to	ADP
hassl-4524	58	15	procyclicality	procyclicality	NOUN
hassl-4524	58	16	,	,	PUNCT
hassl-4524	58	17	amplifying	amplify	VERB
hassl-4524	58	18	financial	financial	ADJ
hassl-4524	58	19	instability	instability	NOUN
hassl-4524	58	20	during	during	ADP
hassl-4524	58	21	economic	economic	ADJ
hassl-4524	58	22	downturns	downturn	NOUN
hassl-4524	58	23	(	(	PUNCT
hassl-4524	58	24	brunnermeier	brunnermei	ADJ
hassl-4524	58	25	,	,	PUNCT
hassl-4524	58	26	2009	2009	NUM
hassl-4524	58	27	)	)	PUNCT
hassl-4524	58	28	.	.	PUNCT
hassl-4524	59	1	empirical	empirical	ADJ
hassl-4524	59	2	studies	study	NOUN
hassl-4524	59	3	present	present	VERB
hassl-4524	59	4	mixed	mixed	ADJ
hassl-4524	59	5	findings	finding	NOUN
hassl-4524	59	6	regarding	regard	VERB
hassl-4524	59	7	the	the	DET
hassl-4524	59	8	impact	impact	NOUN
hassl-4524	59	9	of	of	ADP
hassl-4524	59	10	digital	digital	ADJ
hassl-4524	59	11	transformation	transformation	NOUN
hassl-4524	59	12	on	on	ADP
hassl-4524	59	13	bank	bank	NOUN
hassl-4524	59	14	stability	stability	NOUN
hassl-4524	59	15	.	.	PUNCT
hassl-4524	60	1	on	on	ADP
hassl-4524	60	2	the	the	DET
hassl-4524	60	3	one	one	NUM
hassl-4524	60	4	hand	hand	NOUN
hassl-4524	60	5	,	,	PUNCT
hassl-4524	60	6	technological	technological	ADJ
hassl-4524	60	7	advancements	advancement	NOUN
hassl-4524	60	8	allow	allow	VERB
hassl-4524	60	9	banks	bank	NOUN
hassl-4524	60	10	to	to	PART
hassl-4524	60	11	improve	improve	VERB
hassl-4524	60	12	credit	credit	NOUN
hassl-4524	60	13	risk	risk	NOUN
hassl-4524	60	14	assessment	assessment	NOUN
hassl-4524	60	15	,	,	PUNCT
hassl-4524	60	16	operational	operational	ADJ
hassl-4524	60	17	efficiency	efficiency	NOUN
hassl-4524	60	18	,	,	PUNCT
hassl-4524	60	19	and	and	CCONJ
hassl-4524	60	20	fraud	fraud	NOUN
hassl-4524	60	21	detection	detection	NOUN
hassl-4524	60	22	,	,	PUNCT
hassl-4524	60	23	contributing	contribute	VERB
hassl-4524	60	24	to	to	ADP
hassl-4524	60	25	overall	overall	ADJ
hassl-4524	60	26	financial	financial	ADJ
hassl-4524	60	27	resilience	resilience	NOUN
hassl-4524	60	28	.	.	PUNCT
hassl-4524	61	1	the	the	DET
hassl-4524	61	2	integration	integration	NOUN
hassl-4524	61	3	of	of	ADP
hassl-4524	61	4	machine	machine	NOUN
hassl-4524	61	5	learning	learn	VERB
hassl-4524	61	6	in	in	ADP
hassl-4524	61	7	credit	credit	NOUN
hassl-4524	61	8	modeling	modeling	NOUN
hassl-4524	61	9	reduces	reduce	VERB
hassl-4524	61	10	default	default	NOUN
hassl-4524	61	11	risks	risk	NOUN
hassl-4524	61	12	and	and	CCONJ
hassl-4524	61	13	enhances	enhance	VERB
hassl-4524	61	14	asset	asset	NOUN
hassl-4524	61	15	quality	quality	NOUN
hassl-4524	61	16	,	,	PUNCT
hassl-4524	61	17	reinforcing	reinforce	VERB
hassl-4524	61	18	financial	financial	ADJ
hassl-4524	61	19	stability	stability	NOUN
hassl-4524	61	20	(	(	PUNCT
hassl-4524	61	21	fuster	fuster	NOUN
hassl-4524	61	22	et	et	PROPN
hassl-4524	61	23	al	al	PROPN
hassl-4524	61	24	.	.	PROPN
hassl-4524	61	25	,	,	PUNCT
hassl-4524	61	26	2019	2019	NUM
hassl-4524	61	27	)	)	PUNCT
hassl-4524	61	28	.	.	PUNCT
hassl-4524	62	1	fintech	fintech	NOUN
hassl-4524	62	2	-	-	PUNCT
hassl-4524	62	3	driven	drive	VERB
hassl-4524	62	4	competition	competition	NOUN
hassl-4524	62	5	has	have	AUX
hassl-4524	62	6	also	also	ADV
hassl-4524	62	7	pressured	pressure	VERB
hassl-4524	62	8	traditional	traditional	ADJ
hassl-4524	62	9	banks	bank	NOUN
hassl-4524	62	10	to	to	PART
hassl-4524	62	11	enhance	enhance	VERB
hassl-4524	62	12	customer	customer	NOUN
hassl-4524	62	13	service	service	NOUN
hassl-4524	62	14	and	and	CCONJ
hassl-4524	62	15	adopt	adopt	VERB
hassl-4524	62	16	more	more	ADJ
hassl-4524	62	17	cost	cost	NOUN
hassl-4524	62	18	-	-	PUNCT
hassl-4524	62	19	efficient	efficient	ADJ
hassl-4524	62	20	models	model	NOUN
hassl-4524	62	21	,	,	PUNCT
hassl-4524	62	22	indirectly	indirectly	ADV
hassl-4524	62	23	strengthening	strengthen	VERB
hassl-4524	62	24	the	the	DET
hassl-4524	62	25	sector	sector	NOUN
hassl-4524	62	26	's	's	PART
hassl-4524	62	27	stability	stability	NOUN
hassl-4524	62	28	(	(	PUNCT
hassl-4524	62	29	chiu	chiu	PROPN
hassl-4524	62	30	&	&	CCONJ
hassl-4524	62	31	koeppl	koeppl	PROPN
hassl-4524	62	32	,	,	PUNCT
hassl-4524	62	33	2019	2019	NUM
hassl-4524	62	34	)	)	PUNCT
hassl-4524	62	35	.	.	PUNCT
hassl-4524	63	1	on	on	ADP
hassl-4524	63	2	the	the	DET
hassl-4524	63	3	other	other	ADJ
hassl-4524	63	4	hand	hand	NOUN
hassl-4524	63	5	,	,	PUNCT
hassl-4524	63	6	excessive	excessive	ADJ
hassl-4524	63	7	reliance	reliance	NOUN
hassl-4524	63	8	on	on	ADP
hassl-4524	63	9	digitalization	digitalization	NOUN
hassl-4524	63	10	can	can	AUX
hassl-4524	63	11	introduce	introduce	VERB
hassl-4524	63	12	new	new	ADJ
hassl-4524	63	13	vulnerabilities	vulnerability	NOUN
hassl-4524	63	14	.	.	PUNCT
hassl-4524	64	1	the	the	DET
hassl-4524	64	2	increasing	increase	VERB
hassl-4524	64	3	dependence	dependence	NOUN
hassl-4524	64	4	on	on	ADP
hassl-4524	64	5	third	third	ADJ
hassl-4524	64	6	-	-	PUNCT
hassl-4524	64	7	party	party	NOUN
hassl-4524	64	8	cloud	cloud	NOUN
hassl-4524	64	9	computing	computing	NOUN
hassl-4524	64	10	,	,	PUNCT
hassl-4524	64	11	external	external	ADJ
hassl-4524	64	12	fintech	fintech	NOUN
hassl-4524	64	13	providers	provider	NOUN
hassl-4524	64	14	,	,	PUNCT
hassl-4524	64	15	and	and	CCONJ
hassl-4524	64	16	interconnected	interconnect	VERB
hassl-4524	64	17	digital	digital	ADJ
hassl-4524	64	18	infrastructures	infrastructure	NOUN
hassl-4524	64	19	exposes	expose	VERB
hassl-4524	64	20	banks	bank	NOUN
hassl-4524	64	21	to	to	ADP
hassl-4524	64	22	greater	great	ADJ
hassl-4524	64	23	cybersecurity	cybersecurity	NOUN
hassl-4524	64	24	risks	risk	NOUN
hassl-4524	64	25	and	and	CCONJ
hassl-4524	64	26	potential	potential	ADJ
hassl-4524	64	27	system	system	NOUN
hassl-4524	64	28	-	-	PUNCT
hassl-4524	64	29	wide	wide	ADJ
hassl-4524	64	30	disruptions	disruption	NOUN
hassl-4524	64	31	(	(	PUNCT
hassl-4524	64	32	uddin	uddin	NOUN
hassl-4524	64	33	et	et	PROPN
hassl-4524	64	34	al	al	PROPN
hassl-4524	64	35	.	.	PROPN
hassl-4524	64	36	,	,	PUNCT
hassl-4524	64	37	2020	2020	NUM
hassl-4524	64	38	)	)	PUNCT
hassl-4524	64	39	.	.	PUNCT
hassl-4524	65	1	additionally	additionally	ADV
hassl-4524	65	2	,	,	PUNCT
hassl-4524	65	3	the	the	DET
hassl-4524	65	4	rapid	rapid	ADJ
hassl-4524	65	5	expansion	expansion	NOUN
hassl-4524	65	6	of	of	ADP
hassl-4524	65	7	non	non	ADJ
hassl-4524	65	8	-	-	ADJ
hassl-4524	65	9	bank	bank	ADJ
hassl-4524	65	10	digital	digital	ADJ
hassl-4524	65	11	financial	financial	ADJ
hassl-4524	65	12	services	service	NOUN
hassl-4524	65	13	has	have	AUX
hassl-4524	65	14	contributed	contribute	VERB
hassl-4524	65	15	to	to	ADP
hassl-4524	65	16	regulatory	regulatory	ADJ
hassl-4524	65	17	fragmentation	fragmentation	NOUN
hassl-4524	65	18	,	,	PUNCT
hassl-4524	65	19	increasing	increase	VERB
hassl-4524	65	20	systemic	systemic	ADJ
hassl-4524	65	21	risk	risk	NOUN
hassl-4524	65	22	due	due	ADP
hassl-4524	65	23	to	to	ADP
hassl-4524	65	24	unclear	unclear	ADJ
hassl-4524	65	25	oversight	oversight	NOUN
hassl-4524	65	26	and	and	CCONJ
hassl-4524	65	27	financial	financial	ADJ
hassl-4524	65	28	interdependencies	interdependency	NOUN
hassl-4524	65	29	study	study	NOUN
hassl-4524	65	30	by	by	ADP
hassl-4524	65	31	beccalli	beccalli	ADJ
hassl-4524	65	32	(	(	PUNCT
hassl-4524	65	33	2007	2007	NUM
hassl-4524	65	34	)	)	PUNCT
hassl-4524	65	35	found	find	VERB
hassl-4524	65	36	that	that	SCONJ
hassl-4524	65	37	while	while	SCONJ
hassl-4524	65	38	it	it	PRON
hassl-4524	65	39	investment	investment	NOUN
hassl-4524	65	40	improves	improve	VERB
hassl-4524	65	41	operational	operational	ADJ
hassl-4524	65	42	efficiency	efficiency	NOUN
hassl-4524	65	43	,	,	PUNCT
hassl-4524	65	44	its	its	PRON
hassl-4524	65	45	impact	impact	NOUN
hassl-4524	65	46	on	on	ADP
hassl-4524	65	47	profitability	profitability	NOUN
hassl-4524	65	48	and	and	CCONJ
hassl-4524	65	49	stability	stability	NOUN
hassl-4524	65	50	is	be	AUX
hassl-4524	65	51	not	not	PART
hassl-4524	65	52	guaranteed	guarantee	VERB
hassl-4524	65	53	,	,	PUNCT
hassl-4524	65	54	as	as	ADP
hassl-4524	65	55	high	high	ADJ
hassl-4524	65	56	implementation	implementation	NOUN
hassl-4524	65	57	costs	cost	NOUN
hassl-4524	65	58	and	and	CCONJ
hassl-4524	65	59	shifting	shift	VERB
hassl-4524	65	60	regulatory	regulatory	ADJ
hassl-4524	65	61	landscapes	landscape	NOUN
hassl-4524	65	62	may	may	AUX
hassl-4524	65	63	erode	erode	VERB
hassl-4524	65	64	expected	expect	VERB
hassl-4524	65	65	gains	gain	NOUN
hassl-4524	65	66	.	.	PUNCT
hassl-4524	66	1	similarly	similarly	ADV
hassl-4524	66	2	,	,	PUNCT
hassl-4524	66	3	ho	ho	PROPN
hassl-4524	66	4	and	and	CCONJ
hassl-4524	66	5	mallick	mallick	PROPN
hassl-4524	66	6	(	(	PUNCT
hassl-4524	66	7	2010	2010	NUM
hassl-4524	66	8	)	)	PUNCT
hassl-4524	66	9	argue	argue	VERB
hassl-4524	66	10	that	that	SCONJ
hassl-4524	66	11	while	while	SCONJ
hassl-4524	66	12	digitalization	digitalization	NOUN
hassl-4524	66	13	reduces	reduce	VERB
hassl-4524	66	14	transactional	transactional	ADJ
hassl-4524	66	15	costs	cost	NOUN
hassl-4524	66	16	,	,	PUNCT
hassl-4524	66	17	it	it	PRON
hassl-4524	66	18	also	also	ADV
hassl-4524	66	19	intensifies	intensify	VERB
hassl-4524	66	20	competitive	competitive	ADJ
hassl-4524	66	21	pressure	pressure	NOUN
hassl-4524	66	22	,	,	PUNCT
hassl-4524	66	23	potentially	potentially	ADV
hassl-4524	66	24	undermining	undermine	VERB
hassl-4524	66	25	profit	profit	NOUN
hassl-4524	66	26	margins	margin	NOUN
hassl-4524	66	27	.	.	PUNCT
hassl-4524	67	1	this	this	DET
hassl-4524	67	2	duality	duality	NOUN
hassl-4524	67	3	raises	raise	VERB
hassl-4524	67	4	the	the	DET
hassl-4524	67	5	first	first	ADJ
hassl-4524	67	6	research	research	NOUN
hassl-4524	67	7	hypothesis	hypothesis	NOUN
hassl-4524	67	8	.	.	PUNCT
hassl-4524	68	1	h1	h1	PROPN
hassl-4524	68	2	:	:	PUNCT
hassl-4524	68	3	digital	digital	ADJ
hassl-4524	68	4	transformation	transformation	NOUN
hassl-4524	68	5	enhances	enhance	VERB
hassl-4524	68	6	the	the	DET
hassl-4524	68	7	financial	financial	ADJ
hassl-4524	68	8	stability	stability	NOUN
hassl-4524	68	9	of	of	ADP
hassl-4524	68	10	commercial	commercial	ADJ
hassl-4524	68	11	banks	bank	NOUN
hassl-4524	68	12	.	.	PUNCT
hassl-4524	69	1	the	the	DET
hassl-4524	69	2	impact	impact	NOUN
hassl-4524	69	3	of	of	ADP
hassl-4524	69	4	digital	digital	ADJ
hassl-4524	69	5	transformation	transformation	NOUN
hassl-4524	69	6	on	on	ADP
hassl-4524	69	7	financial	financial	ADJ
hassl-4524	69	8	stability	stability	NOUN
hassl-4524	69	9	is	be	AUX
hassl-4524	69	10	not	not	PART
hassl-4524	69	11	uniform	uniform	ADJ
hassl-4524	69	12	across	across	ADP
hassl-4524	69	13	all	all	DET
hassl-4524	69	14	banking	banking	NOUN
hassl-4524	69	15	institutions	institution	NOUN
hassl-4524	69	16	,	,	PUNCT
hassl-4524	69	17	as	as	SCONJ
hassl-4524	69	18	various	various	ADJ
hassl-4524	69	19	moderating	moderate	VERB
hassl-4524	69	20	factors	factor	NOUN
hassl-4524	69	21	influence	influence	VERB
hassl-4524	69	22	the	the	DET
hassl-4524	69	23	magnitude	magnitude	NOUN
hassl-4524	69	24	and	and	CCONJ
hassl-4524	69	25	direction	direction	NOUN
hassl-4524	69	26	of	of	ADP
hassl-4524	69	27	this	this	DET
hassl-4524	69	28	relationship	relationship	NOUN
hassl-4524	69	29	.	.	PUNCT
hassl-4524	70	1	one	one	NUM
hassl-4524	70	2	critical	critical	ADJ
hassl-4524	70	3	factor	factor	NOUN
hassl-4524	70	4	is	be	AUX
hassl-4524	70	5	the	the	DET
hassl-4524	70	6	regulatory	regulatory	ADJ
hassl-4524	70	7	environment	environment	NOUN
hassl-4524	70	8	;	;	PUNCT
hassl-4524	70	9	well	well	ADV
hassl-4524	70	10	-	-	PUNCT
hassl-4524	70	11	developed	develop	VERB
hassl-4524	70	12	prudential	prudential	ADJ
hassl-4524	70	13	regulations	regulation	NOUN
hassl-4524	70	14	,	,	PUNCT
hassl-4524	70	15	cybersecurity	cybersecurity	NOUN
hassl-4524	70	16	policies	policy	NOUN
hassl-4524	70	17	,	,	PUNCT
hassl-4524	70	18	and	and	CCONJ
hassl-4524	70	19	fintech	fintech	NOUN
hassl-4524	70	20	oversight	oversight	NOUN
hassl-4524	70	21	can	can	AUX
hassl-4524	70	22	help	help	VERB
hassl-4524	70	23	mitigate	mitigate	VERB
hassl-4524	70	24	systemic	systemic	ADJ
hassl-4524	70	25	risks	risk	NOUN
hassl-4524	70	26	,	,	PUNCT
hassl-4524	70	27	whereas	whereas	SCONJ
hassl-4524	70	28	regulatory	regulatory	ADJ
hassl-4524	70	29	gaps	gap	NOUN
hassl-4524	70	30	may	may	AUX
hassl-4524	70	31	expose	expose	VERB
hassl-4524	70	32	banks	bank	NOUN
hassl-4524	70	33	to	to	ADP
hassl-4524	70	34	financial	financial	ADJ
hassl-4524	70	35	vulnerabilities	vulnerability	NOUN
hassl-4524	70	36	and	and	CCONJ
hassl-4524	70	37	compliance	compliance	NOUN
hassl-4524	70	38	uncertainties	uncertainty	NOUN
hassl-4524	70	39	(	(	PUNCT
hassl-4524	70	40	arner	arner	NOUN
hassl-4524	70	41	,	,	PUNCT
hassl-4524	70	42	barberis	barberis	PROPN
hassl-4524	70	43	,	,	PUNCT
hassl-4524	70	44	&	&	CCONJ
hassl-4524	70	45	buckley	buckley	PROPN
hassl-4524	70	46	,	,	PUNCT
hassl-4524	70	47	2017	2017	NUM
hassl-4524	70	48	)	)	PUNCT
hassl-4524	70	49	.	.	PUNCT
hassl-4524	71	1	similarly	similarly	ADV
hassl-4524	71	2	,	,	PUNCT
hassl-4524	71	3	technological	technological	ADJ
hassl-4524	71	4	readiness	readiness	NOUN
hassl-4524	71	5	determines	determine	VERB
hassl-4524	71	6	whether	whether	SCONJ
hassl-4524	71	7	digital	digital	ADJ
hassl-4524	71	8	transformation	transformation	NOUN
hassl-4524	71	9	enhances	enhance	VERB
hassl-4524	71	10	resilience	resilience	NOUN
hassl-4524	71	11	or	or	CCONJ
hassl-4524	71	12	introduces	introduce	VERB
hassl-4524	71	13	new	new	ADJ
hassl-4524	71	14	risks	risk	NOUN
hassl-4524	71	15	;	;	PUNCT
hassl-4524	71	16	banks	bank	NOUN
hassl-4524	71	17	with	with	ADP
hassl-4524	71	18	advanced	advanced	ADJ
hassl-4524	71	19	it	it	PRON
hassl-4524	71	20	infrastructure	infrastructure	NOUN
hassl-4524	71	21	and	and	CCONJ
hassl-4524	71	22	robust	robust	ADJ
hassl-4524	71	23	cybersecurity	cybersecurity	NOUN
hassl-4524	71	24	measures	measure	NOUN
hassl-4524	71	25	can	can	AUX
hassl-4524	71	26	better	well	ADV
hassl-4524	71	27	integrate	integrate	VERB
hassl-4524	71	28	digital	digital	ADJ
hassl-4524	71	29	technologies	technology	NOUN
hassl-4524	71	30	,	,	PUNCT
hassl-4524	71	31	while	while	SCONJ
hassl-4524	71	32	those	those	PRON
hassl-4524	71	33	with	with	ADP
hassl-4524	71	34	underdeveloped	underdeveloped	ADJ
hassl-4524	71	35	digital	digital	ADJ
hassl-4524	71	36	capabilities	capability	NOUN
hassl-4524	71	37	may	may	AUX
hassl-4524	71	38	face	face	VERB
hassl-4524	71	39	heightened	heighten	VERB
hassl-4524	71	40	cyber	cyber	NOUN
hassl-4524	71	41	threats	threat	NOUN
hassl-4524	71	42	,	,	PUNCT
hassl-4524	71	43	operational	operational	ADJ
hassl-4524	71	44	inefficiencies	inefficiency	NOUN
hassl-4524	71	45	,	,	PUNCT
hassl-4524	71	46	and	and	CCONJ
hassl-4524	71	47	disruptions	disruption	NOUN
hassl-4524	71	48	to	to	ADP
hassl-4524	71	49	core	core	NOUN
hassl-4524	71	50	banking	banking	NOUN
hassl-4524	71	51	activities	activity	NOUN
hassl-4524	71	52	(	(	PUNCT
hassl-4524	71	53	chiu	chiu	PROPN
hassl-4524	71	54	&	&	CCONJ
hassl-4524	71	55	koeppl	koeppl	PROPN
hassl-4524	71	56	,	,	PUNCT
hassl-4524	71	57	2019	2019	NUM
hassl-4524	71	58	;	;	PUNCT
hassl-4524	71	59	uddin	uddin	PROPN
hassl-4524	71	60	et	et	PROPN
hassl-4524	71	61	al	al	PROPN
hassl-4524	71	62	.	.	PROPN
hassl-4524	71	63	,	,	PUNCT
hassl-4524	71	64	2020	2020	NUM
hassl-4524	71	65	)	)	PUNCT
hassl-4524	71	66	.	.	PUNCT
hassl-4524	72	1	the	the	DET
hassl-4524	72	2	competitive	competitive	ADJ
hassl-4524	72	3	landscape	landscape	NOUN
hassl-4524	72	4	also	also	ADV
hassl-4524	72	5	plays	play	VERB
hassl-4524	72	6	a	a	DET
hassl-4524	72	7	significant	significant	ADJ
hassl-4524	72	8	role	role	NOUN
hassl-4524	72	9	while	while	SCONJ
hassl-4524	72	10	increased	increase	VERB
hassl-4524	72	11	competition	competition	NOUN
hassl-4524	72	12	from	from	ADP
hassl-4524	72	13	fintech	fintech	NOUN
hassl-4524	72	14	firms	firm	NOUN
hassl-4524	72	15	can	can	AUX
hassl-4524	72	16	drive	drive	VERB
hassl-4524	72	17	traditional	traditional	ADJ
hassl-4524	72	18	banks	bank	NOUN
hassl-4524	72	19	toward	toward	ADP
hassl-4524	72	20	operational	operational	ADJ
hassl-4524	72	21	efficiency	efficiency	NOUN
hassl-4524	72	22	and	and	CCONJ
hassl-4524	72	23	innovation	innovation	NOUN
hassl-4524	72	24	,	,	PUNCT
hassl-4524	72	25	excessive	excessive	ADJ
hassl-4524	72	26	market	market	NOUN
hassl-4524	72	27	pressure	pressure	NOUN
hassl-4524	72	28	can	can	AUX
hassl-4524	72	29	reduce	reduce	VERB
hassl-4524	72	30	profitability	profitability	NOUN
hassl-4524	72	31	,	,	PUNCT
hassl-4524	72	32	increase	increase	VERB
hassl-4524	72	33	cost	cost	NOUN
hassl-4524	72	34	burdens	burden	NOUN
hassl-4524	72	35	,	,	PUNCT
hassl-4524	72	36	and	and	CCONJ
hassl-4524	72	37	encourage	encourage	VERB
hassl-4524	72	38	risk	risk	NOUN
hassl-4524	72	39	-	-	PUNCT
hassl-4524	72	40	taking	take	VERB
hassl-4524	72	41	behaviors	behavior	NOUN
hassl-4524	72	42	that	that	PRON
hassl-4524	72	43	may	may	AUX
hassl-4524	72	44	undermine	undermine	VERB
hassl-4524	72	45	financial	financial	ADJ
hassl-4524	72	46	stability	stability	NOUN
hassl-4524	72	47	(	(	PUNCT
hassl-4524	72	48	boot	boot	NOUN
hassl-4524	72	49	,	,	PUNCT
hassl-4524	72	50	hoffmann	hoffmann	PROPN
hassl-4524	72	51	,	,	PUNCT
hassl-4524	72	52	laeven	laeven	ADJ
hassl-4524	72	53	,	,	PUNCT
hassl-4524	72	54	&	&	CCONJ
hassl-4524	72	55	ratnovski	ratnovski	NOUN
hassl-4524	72	56	,	,	PUNCT
hassl-4524	72	57	2021	2021	NUM
hassl-4524	72	58	;	;	PUNCT
hassl-4524	72	59	ho	ho	PROPN
hassl-4524	72	60	&	&	CCONJ
hassl-4524	72	61	mallick	mallick	PROPN
hassl-4524	72	62	,	,	PUNCT
hassl-4524	72	63	2010	2010	NUM
hassl-4524	72	64	)	)	PUNCT
hassl-4524	72	65	.	.	PUNCT
hassl-4524	73	1	additionally	additionally	ADV
hassl-4524	73	2	,	,	PUNCT
hassl-4524	73	3	risk	risk	NOUN
hassl-4524	73	4	management	management	NOUN
hassl-4524	73	5	capabilities	capability	NOUN
hassl-4524	73	6	influence	influence	VERB
hassl-4524	73	7	the	the	DET
hassl-4524	73	8	extent	extent	NOUN
hassl-4524	73	9	to	to	PART
hassl-4524	73	10	which	which	PRON
hassl-4524	73	11	digital	digital	ADJ
hassl-4524	73	12	transformation	transformation	NOUN
hassl-4524	73	13	stabilizes	stabilize	VERB
hassl-4524	73	14	or	or	CCONJ
hassl-4524	73	15	destabilizes	destabilize	VERB
hassl-4524	73	16	banks	bank	NOUN
hassl-4524	73	17	;	;	PUNCT
hassl-4524	73	18	institutions	institution	NOUN
hassl-4524	73	19	that	that	PRON
hassl-4524	73	20	leverage	leverage	VERB
hassl-4524	73	21	ai	ai	ADJ
hassl-4524	73	22	-	-	PUNCT
hassl-4524	73	23	driven	drive	VERB
hassl-4524	73	24	risk	risk	NOUN
hassl-4524	73	25	assessment	assessment	NOUN
hassl-4524	73	26	,	,	PUNCT
hassl-4524	73	27	big	big	ADJ
hassl-4524	73	28	data	datum	NOUN
hassl-4524	73	29	analytics	analytic	NOUN
hassl-4524	73	30	,	,	PUNCT
hassl-4524	73	31	and	and	CCONJ
hassl-4524	73	32	fraud	fraud	NOUN
hassl-4524	73	33	detection	detection	NOUN
hassl-4524	73	34	technologies	technology	NOUN
hassl-4524	73	35	are	be	AUX
hassl-4524	73	36	more	more	ADV
hassl-4524	73	37	likely	likely	ADJ
hassl-4524	73	38	to	to	PART
hassl-4524	73	39	strengthen	strengthen	VERB
hassl-4524	73	40	their	their	PRON
hassl-4524	73	41	financial	financial	ADJ
hassl-4524	73	42	position	position	NOUN
hassl-4524	73	43	,	,	PUNCT
hassl-4524	73	44	whereas	whereas	SCONJ
hassl-4524	73	45	those	those	DET
hassl-4524	73	46	humanities	humanity	NOUN
hassl-4524	73	47	and	and	CCONJ
hassl-4524	73	48	social	social	ADJ
hassl-4524	73	49	sciences	science	NOUN
hassl-4524	73	50	letters	letter	NOUN
hassl-4524	73	51	,	,	PUNCT
hassl-4524	73	52	2025	2025	NUM
hassl-4524	73	53	,	,	PUNCT
hassl-4524	73	54	13(4	13(4	NUM
hassl-4524	73	55	):	):	PUNCT
hassl-4524	73	56	1508	1508	NUM
hassl-4524	73	57	-	-	SYM
hassl-4524	73	58	1519	1519	NUM
hassl-4524	73	59	1511	1511	NUM
hassl-4524	73	60	©	©	PROPN
hassl-4524	73	61	2025	2025	NUM
hassl-4524	73	62	conscientia	conscientia	PROPN
hassl-4524	73	63	beam	beam	PROPN
hassl-4524	73	64	.	.	PUNCT
hassl-4524	74	1	all	all	DET
hassl-4524	74	2	rights	right	NOUN
hassl-4524	74	3	reserved	reserve	VERB
hassl-4524	74	4	.	.	PUNCT
hassl-4524	75	1	lacking	lack	VERB
hassl-4524	75	2	adequate	adequate	ADJ
hassl-4524	75	3	internal	internal	ADJ
hassl-4524	75	4	controls	control	NOUN
hassl-4524	75	5	may	may	AUX
hassl-4524	75	6	be	be	AUX
hassl-4524	75	7	more	more	ADV
hassl-4524	75	8	vulnerable	vulnerable	ADJ
hassl-4524	75	9	to	to	ADP
hassl-4524	75	10	cyber	cyber	NOUN
hassl-4524	75	11	fraud	fraud	NOUN
hassl-4524	75	12	and	and	CCONJ
hassl-4524	75	13	systemic	systemic	ADJ
hassl-4524	75	14	shocks	shock	NOUN
hassl-4524	75	15	(	(	PUNCT
hassl-4524	75	16	fuster	fuster	NOUN
hassl-4524	75	17	et	et	PROPN
hassl-4524	75	18	al	al	PROPN
hassl-4524	75	19	.	.	PROPN
hassl-4524	75	20	,	,	PUNCT
hassl-4524	75	21	2019	2019	NUM
hassl-4524	75	22	;	;	PUNCT
hassl-4524	75	23	laeven	laeven	ADJ
hassl-4524	75	24	,	,	PUNCT
hassl-4524	75	25	levine	levine	PROPN
hassl-4524	75	26	,	,	PUNCT
hassl-4524	75	27	&	&	CCONJ
hassl-4524	75	28	michalopoulos	michalopoulo	NOUN
hassl-4524	75	29	,	,	PUNCT
hassl-4524	75	30	2015	2015	NUM
hassl-4524	75	31	)	)	PUNCT
hassl-4524	75	32	.	.	PUNCT
hassl-4524	76	1	an	an	DET
hassl-4524	76	2	important	important	ADJ
hassl-4524	76	3	factor	factor	NOUN
hassl-4524	76	4	in	in	ADP
hassl-4524	76	5	understanding	understand	VERB
hassl-4524	76	6	the	the	DET
hassl-4524	76	7	relationship	relationship	NOUN
hassl-4524	76	8	between	between	ADP
hassl-4524	76	9	digital	digital	ADJ
hassl-4524	76	10	transformation	transformation	NOUN
hassl-4524	76	11	and	and	CCONJ
hassl-4524	76	12	bank	bank	NOUN
hassl-4524	76	13	stability	stability	NOUN
hassl-4524	76	14	is	be	AUX
hassl-4524	76	15	income	income	NOUN
hassl-4524	76	16	diversification	diversification	NOUN
hassl-4524	76	17	.	.	PUNCT
hassl-4524	77	1	traditional	traditional	ADJ
hassl-4524	77	2	banking	banking	NOUN
hassl-4524	77	3	models	model	NOUN
hassl-4524	77	4	in	in	ADP
hassl-4524	77	5	many	many	ADJ
hassl-4524	77	6	emerging	emerge	VERB
hassl-4524	77	7	markets	market	NOUN
hassl-4524	77	8	rely	rely	VERB
hassl-4524	77	9	heavily	heavily	ADV
hassl-4524	77	10	on	on	ADP
hassl-4524	77	11	interest	interest	NOUN
hassl-4524	77	12	-	-	PUNCT
hassl-4524	77	13	based	base	VERB
hassl-4524	77	14	income	income	NOUN
hassl-4524	77	15	,	,	PUNCT
hassl-4524	77	16	making	make	VERB
hassl-4524	77	17	them	they	PRON
hassl-4524	77	18	vulnerable	vulnerable	ADJ
hassl-4524	77	19	to	to	ADP
hassl-4524	77	20	interest	interest	NOUN
hassl-4524	77	21	rate	rate	NOUN
hassl-4524	77	22	fluctuations	fluctuation	NOUN
hassl-4524	77	23	and	and	CCONJ
hassl-4524	77	24	economic	economic	ADJ
hassl-4524	77	25	cycles	cycle	NOUN
hassl-4524	77	26	(	(	PUNCT
hassl-4524	77	27	demirgüç	demirgüç	NOUN
hassl-4524	77	28	-	-	PUNCT
hassl-4524	77	29	kunt	kunt	PROPN
hassl-4524	77	30	&	&	CCONJ
hassl-4524	77	31	huizinga	huizinga	NOUN
hassl-4524	77	32	,	,	PUNCT
hassl-4524	77	33	2010	2010	NUM
hassl-4524	77	34	)	)	PUNCT
hassl-4524	77	35	.	.	PUNCT
hassl-4524	78	1	digital	digital	ADJ
hassl-4524	78	2	transformation	transformation	NOUN
hassl-4524	78	3	has	have	AUX
hassl-4524	78	4	enabled	enable	VERB
hassl-4524	78	5	banks	bank	NOUN
hassl-4524	78	6	to	to	PART
hassl-4524	78	7	expand	expand	VERB
hassl-4524	78	8	non	non	ADJ
hassl-4524	78	9	-	-	ADJ
hassl-4524	78	10	interest	interest	ADJ
hassl-4524	78	11	revenue	revenue	NOUN
hassl-4524	78	12	streams	stream	NOUN
hassl-4524	78	13	,	,	PUNCT
hassl-4524	78	14	including	include	VERB
hassl-4524	78	15	transaction	transaction	NOUN
hassl-4524	78	16	fees	fee	NOUN
hassl-4524	78	17	,	,	PUNCT
hassl-4524	78	18	wealth	wealth	NOUN
hassl-4524	78	19	management	management	NOUN
hassl-4524	78	20	services	service	NOUN
hassl-4524	78	21	,	,	PUNCT
hassl-4524	78	22	and	and	CCONJ
hassl-4524	78	23	fintech	fintech	NOUN
hassl-4524	78	24	partnerships	partnership	NOUN
hassl-4524	78	25	,	,	PUNCT
hassl-4524	78	26	potentially	potentially	ADV
hassl-4524	78	27	enhancing	enhance	VERB
hassl-4524	78	28	financial	financial	ADJ
hassl-4524	78	29	resilience	resilience	NOUN
hassl-4524	78	30	(	(	PUNCT
hassl-4524	78	31	sanya	sanya	PROPN
hassl-4524	78	32	&	&	CCONJ
hassl-4524	78	33	wolfe	wolfe	PROPN
hassl-4524	78	34	,	,	PUNCT
hassl-4524	78	35	2011	2011	NUM
hassl-4524	78	36	)	)	PUNCT
hassl-4524	78	37	.	.	PUNCT
hassl-4524	79	1	the	the	DET
hassl-4524	79	2	modern	modern	ADJ
hassl-4524	79	3	portfolio	portfolio	NOUN
hassl-4524	79	4	theory	theory	NOUN
hassl-4524	79	5	(	(	PUNCT
hassl-4524	79	6	markowitz	markowitz	PROPN
hassl-4524	79	7	,	,	PUNCT
hassl-4524	79	8	1952	1952	NUM
hassl-4524	79	9	)	)	PUNCT
hassl-4524	79	10	supports	support	VERB
hassl-4524	79	11	this	this	DET
hassl-4524	79	12	view	view	NOUN
hassl-4524	79	13	,	,	PUNCT
hassl-4524	79	14	suggesting	suggest	VERB
hassl-4524	79	15	that	that	SCONJ
hassl-4524	79	16	diversifying	diversify	VERB
hassl-4524	79	17	income	income	NOUN
hassl-4524	79	18	sources	source	NOUN
hassl-4524	79	19	reduces	reduce	VERB
hassl-4524	79	20	overall	overall	ADJ
hassl-4524	79	21	financial	financial	ADJ
hassl-4524	79	22	risk	risk	NOUN
hassl-4524	79	23	,	,	PUNCT
hassl-4524	79	24	as	as	SCONJ
hassl-4524	79	25	revenue	revenue	NOUN
hassl-4524	79	26	fluctuations	fluctuation	NOUN
hassl-4524	79	27	from	from	ADP
hassl-4524	79	28	different	different	ADJ
hassl-4524	79	29	activities	activity	NOUN
hassl-4524	79	30	are	be	AUX
hassl-4524	79	31	less	less	ADV
hassl-4524	79	32	correlated	correlate	VERB
hassl-4524	79	33	than	than	ADP
hassl-4524	79	34	those	those	PRON
hassl-4524	79	35	derived	derive	VERB
hassl-4524	79	36	solely	solely	ADV
hassl-4524	79	37	from	from	ADP
hassl-4524	79	38	lending	lend	VERB
hassl-4524	79	39	operations	operation	NOUN
hassl-4524	79	40	.	.	PUNCT
hassl-4524	80	1	studies	study	NOUN
hassl-4524	80	2	indicate	indicate	VERB
hassl-4524	80	3	that	that	SCONJ
hassl-4524	80	4	banks	bank	NOUN
hassl-4524	80	5	with	with	ADP
hassl-4524	80	6	diversified	diversified	ADJ
hassl-4524	80	7	revenue	revenue	NOUN
hassl-4524	80	8	models	model	NOUN
hassl-4524	80	9	exhibit	exhibit	VERB
hassl-4524	80	10	lower	low	ADJ
hassl-4524	80	11	earnings	earning	NOUN
hassl-4524	80	12	volatility	volatility	NOUN
hassl-4524	80	13	and	and	CCONJ
hassl-4524	80	14	stronger	strong	ADJ
hassl-4524	80	15	financial	financial	ADJ
hassl-4524	80	16	performance	performance	NOUN
hassl-4524	80	17	(	(	PUNCT
hassl-4524	80	18	deyoung	deyoung	PROPN
hassl-4524	80	19	&	&	CCONJ
hassl-4524	80	20	roland	roland	PROPN
hassl-4524	80	21	,	,	PUNCT
hassl-4524	80	22	2001	2001	NUM
hassl-4524	80	23	;	;	PUNCT
hassl-4524	80	24	köhler	köhler	NOUN
hassl-4524	80	25	,	,	PUNCT
hassl-4524	80	26	2014	2014	NUM
hassl-4524	80	27	)	)	PUNCT
hassl-4524	80	28	.	.	PUNCT
hassl-4524	81	1	furthermore	furthermore	ADV
hassl-4524	81	2	,	,	PUNCT
hassl-4524	81	3	digital	digital	ADJ
hassl-4524	81	4	transformation	transformation	NOUN
hassl-4524	81	5	facilitates	facilitate	VERB
hassl-4524	81	6	the	the	DET
hassl-4524	81	7	expansion	expansion	NOUN
hassl-4524	81	8	of	of	ADP
hassl-4524	81	9	fee	fee	NOUN
hassl-4524	81	10	-	-	PUNCT
hassl-4524	81	11	based	base	VERB
hassl-4524	81	12	banking	banking	NOUN
hassl-4524	81	13	services	service	NOUN
hassl-4524	81	14	,	,	PUNCT
hassl-4524	81	15	allowing	allow	VERB
hassl-4524	81	16	banks	bank	NOUN
hassl-4524	81	17	to	to	PART
hassl-4524	81	18	reduce	reduce	VERB
hassl-4524	81	19	reliance	reliance	NOUN
hassl-4524	81	20	on	on	ADP
hassl-4524	81	21	traditional	traditional	ADJ
hassl-4524	81	22	net	net	ADJ
hassl-4524	81	23	interest	interest	NOUN
hassl-4524	81	24	margins	margin	NOUN
hassl-4524	81	25	and	and	CCONJ
hassl-4524	81	26	stabilize	stabilize	VERB
hassl-4524	81	27	income	income	NOUN
hassl-4524	81	28	streams	stream	NOUN
hassl-4524	81	29	(	(	PUNCT
hassl-4524	81	30	valverde	valverde	PROPN
hassl-4524	81	31	&	&	CCONJ
hassl-4524	81	32	fernández	fernández	PROPN
hassl-4524	81	33	,	,	PUNCT
hassl-4524	81	34	2007	2007	NUM
hassl-4524	81	35	)	)	PUNCT
hassl-4524	81	36	.	.	PUNCT
hassl-4524	82	1	however	however	ADV
hassl-4524	82	2	,	,	PUNCT
hassl-4524	82	3	income	income	NOUN
hassl-4524	82	4	diversification	diversification	NOUN
hassl-4524	82	5	does	do	AUX
hassl-4524	82	6	not	not	PART
hassl-4524	82	7	always	always	ADV
hassl-4524	82	8	lead	lead	VERB
hassl-4524	82	9	to	to	ADP
hassl-4524	82	10	greater	great	ADJ
hassl-4524	82	11	financial	financial	ADJ
hassl-4524	82	12	stability	stability	NOUN
hassl-4524	82	13	.	.	PUNCT
hassl-4524	83	1	the	the	DET
hassl-4524	83	2	too	too	ADV
hassl-4524	83	3	-	-	PUNCT
hassl-4524	83	4	muchdiversification	muchdiversification	NOUN
hassl-4524	83	5	hypothesis	hypothesis	NOUN
hassl-4524	83	6	(	(	PUNCT
hassl-4524	83	7	stiroh	stiroh	ADJ
hassl-4524	83	8	,	,	PUNCT
hassl-4524	83	9	2006	2006	NUM
hassl-4524	83	10	)	)	PUNCT
hassl-4524	83	11	suggests	suggest	VERB
hassl-4524	83	12	that	that	SCONJ
hassl-4524	83	13	over	over	ADP
hassl-4524	83	14	-	-	PUNCT
hassl-4524	83	15	diversifying	diversify	VERB
hassl-4524	83	16	,	,	PUNCT
hassl-4524	83	17	particularly	particularly	ADV
hassl-4524	83	18	into	into	ADP
hassl-4524	83	19	non	non	ADJ
hassl-4524	83	20	-	-	ADJ
hassl-4524	83	21	traditional	traditional	ADJ
hassl-4524	83	22	banking	banking	NOUN
hassl-4524	83	23	areas	area	NOUN
hassl-4524	83	24	such	such	ADJ
hassl-4524	83	25	as	as	ADP
hassl-4524	83	26	trading	trading	NOUN
hassl-4524	83	27	and	and	CCONJ
hassl-4524	83	28	investment	investment	NOUN
hassl-4524	83	29	banking	banking	NOUN
hassl-4524	83	30	,	,	PUNCT
hassl-4524	83	31	can	can	AUX
hassl-4524	83	32	increase	increase	VERB
hassl-4524	83	33	revenue	revenue	NOUN
hassl-4524	83	34	volatility	volatility	NOUN
hassl-4524	83	35	rather	rather	ADV
hassl-4524	83	36	than	than	ADP
hassl-4524	83	37	reduce	reduce	VERB
hassl-4524	83	38	it	it	PRON
hassl-4524	83	39	.	.	PUNCT
hassl-4524	84	1	banks	bank	NOUN
hassl-4524	84	2	shifting	shift	VERB
hassl-4524	84	3	their	their	PRON
hassl-4524	84	4	income	income	NOUN
hassl-4524	84	5	structures	structure	NOUN
hassl-4524	84	6	toward	toward	ADP
hassl-4524	84	7	transaction	transaction	NOUN
hassl-4524	84	8	-	-	PUNCT
hassl-4524	84	9	based	base	VERB
hassl-4524	84	10	services	service	NOUN
hassl-4524	84	11	may	may	AUX
hassl-4524	84	12	become	become	VERB
hassl-4524	84	13	more	more	ADV
hassl-4524	84	14	vulnerable	vulnerable	ADJ
hassl-4524	84	15	to	to	ADP
hassl-4524	84	16	fluctuations	fluctuation	NOUN
hassl-4524	84	17	in	in	ADP
hassl-4524	84	18	financial	financial	ADJ
hassl-4524	84	19	markets	market	NOUN
hassl-4524	84	20	,	,	PUNCT
hassl-4524	84	21	regulatory	regulatory	ADJ
hassl-4524	84	22	uncertainties	uncertainty	NOUN
hassl-4524	84	23	,	,	PUNCT
hassl-4524	84	24	and	and	CCONJ
hassl-4524	84	25	competitive	competitive	ADJ
hassl-4524	84	26	pressures	pressure	NOUN
hassl-4524	84	27	(	(	PUNCT
hassl-4524	84	28	lepetit	lepetit	PROPN
hassl-4524	84	29	,	,	PUNCT
hassl-4524	84	30	nys	ny	NOUN
hassl-4524	84	31	,	,	PUNCT
hassl-4524	84	32	rous	rous	ADJ
hassl-4524	84	33	,	,	PUNCT
hassl-4524	84	34	&	&	CCONJ
hassl-4524	84	35	tarazi	tarazi	NOUN
hassl-4524	84	36	,	,	PUNCT
hassl-4524	84	37	2008	2008	NUM
hassl-4524	84	38	;	;	PUNCT
hassl-4524	84	39	stiroh	stiroh	PROPN
hassl-4524	84	40	&	&	CCONJ
hassl-4524	84	41	rumble	rumble	PROPN
hassl-4524	84	42	,	,	PUNCT
hassl-4524	84	43	2006	2006	NUM
hassl-4524	84	44	)	)	PUNCT
hassl-4524	84	45	.	.	PUNCT
hassl-4524	85	1	empirical	empirical	ADJ
hassl-4524	85	2	studies	study	NOUN
hassl-4524	85	3	have	have	AUX
hassl-4524	85	4	found	find	VERB
hassl-4524	85	5	that	that	SCONJ
hassl-4524	85	6	non	non	ADJ
hassl-4524	85	7	-	-	ADJ
hassl-4524	85	8	interest	interest	ADJ
hassl-4524	85	9	income	income	NOUN
hassl-4524	85	10	sources	source	NOUN
hassl-4524	85	11	are	be	AUX
hassl-4524	85	12	often	often	ADV
hassl-4524	85	13	more	more	ADV
hassl-4524	85	14	cyclical	cyclical	ADJ
hassl-4524	85	15	and	and	CCONJ
hassl-4524	85	16	sensitive	sensitive	ADJ
hassl-4524	85	17	to	to	ADP
hassl-4524	85	18	financial	financial	ADJ
hassl-4524	85	19	shocks	shock	NOUN
hassl-4524	85	20	,	,	PUNCT
hassl-4524	85	21	making	make	VERB
hassl-4524	85	22	them	they	PRON
hassl-4524	85	23	less	less	ADV
hassl-4524	85	24	stable	stable	ADJ
hassl-4524	85	25	than	than	ADP
hassl-4524	85	26	traditional	traditional	ADJ
hassl-4524	85	27	lending	lending	NOUN
hassl-4524	85	28	activities	activity	NOUN
hassl-4524	85	29	(	(	PUNCT
hassl-4524	85	30	deyoung	deyoung	PROPN
hassl-4524	85	31	&	&	CCONJ
hassl-4524	85	32	torna	torna	PROPN
hassl-4524	85	33	,	,	PUNCT
hassl-4524	85	34	2013	2013	NUM
hassl-4524	85	35	)	)	PUNCT
hassl-4524	85	36	.	.	PUNCT
hassl-4524	86	1	abuzayed	abuzaye	VERB
hassl-4524	86	2	,	,	PUNCT
hassl-4524	86	3	al	al	PROPN
hassl-4524	86	4	-	-	PROPN
hassl-4524	86	5	fayoumi	fayoumi	PROPN
hassl-4524	86	6	,	,	PUNCT
hassl-4524	86	7	and	and	CCONJ
hassl-4524	86	8	molyneux	molyneux	PROPN
hassl-4524	86	9	(	(	PUNCT
hassl-4524	86	10	2018	2018	NUM
hassl-4524	86	11	)	)	PUNCT
hassl-4524	86	12	confirm	confirm	VERB
hassl-4524	86	13	that	that	SCONJ
hassl-4524	86	14	while	while	SCONJ
hassl-4524	86	15	income	income	NOUN
hassl-4524	86	16	diversification	diversification	NOUN
hassl-4524	86	17	improves	improve	VERB
hassl-4524	86	18	profitability	profitability	NOUN
hassl-4524	86	19	,	,	PUNCT
hassl-4524	86	20	it	it	PRON
hassl-4524	86	21	may	may	AUX
hassl-4524	86	22	also	also	ADV
hassl-4524	86	23	lead	lead	VERB
hassl-4524	86	24	to	to	ADP
hassl-4524	86	25	excessive	excessive	ADJ
hassl-4524	86	26	risk	risk	NOUN
hassl-4524	86	27	-	-	PUNCT
hassl-4524	86	28	taking	taking	NOUN
hassl-4524	86	29	,	,	PUNCT
hassl-4524	86	30	particularly	particularly	ADV
hassl-4524	86	31	when	when	SCONJ
hassl-4524	86	32	banks	bank	NOUN
hassl-4524	86	33	lack	lack	VERB
hassl-4524	86	34	effective	effective	ADJ
hassl-4524	86	35	risk	risk	NOUN
hassl-4524	86	36	management	management	NOUN
hassl-4524	86	37	strategies	strategy	NOUN
hassl-4524	86	38	.	.	PUNCT
hassl-4524	87	1	these	these	DET
hassl-4524	87	2	contrasting	contrast	VERB
hassl-4524	87	3	findings	finding	NOUN
hassl-4524	87	4	give	give	VERB
hassl-4524	87	5	rise	rise	NOUN
hassl-4524	87	6	to	to	ADP
hassl-4524	87	7	the	the	DET
hassl-4524	87	8	second	second	ADJ
hassl-4524	87	9	hypothesis	hypothesis	NOUN
hassl-4524	87	10	of	of	ADP
hassl-4524	87	11	this	this	DET
hassl-4524	87	12	study	study	NOUN
hassl-4524	87	13	.	.	PUNCT
hassl-4524	88	1	h2	h2	NOUN
hassl-4524	88	2	:	:	PUNCT
hassl-4524	88	3	income	income	NOUN
hassl-4524	88	4	diversification	diversification	NOUN
hassl-4524	88	5	strengthens	strengthen	VERB
hassl-4524	88	6	financial	financial	ADJ
hassl-4524	88	7	stability	stability	NOUN
hassl-4524	88	8	by	by	ADP
hassl-4524	88	9	reducing	reduce	VERB
hassl-4524	88	10	earnings	earning	NOUN
hassl-4524	88	11	volatility	volatility	NOUN
hassl-4524	88	12	.	.	PUNCT
hassl-4524	89	1	the	the	DET
hassl-4524	89	2	interaction	interaction	NOUN
hassl-4524	89	3	between	between	ADP
hassl-4524	89	4	digital	digital	ADJ
hassl-4524	89	5	transformation	transformation	NOUN
hassl-4524	89	6	and	and	CCONJ
hassl-4524	89	7	income	income	NOUN
hassl-4524	89	8	diversification	diversification	NOUN
hassl-4524	89	9	remains	remain	VERB
hassl-4524	89	10	a	a	DET
hassl-4524	89	11	key	key	ADJ
hassl-4524	89	12	area	area	NOUN
hassl-4524	89	13	of	of	ADP
hassl-4524	89	14	study	study	NOUN
hassl-4524	89	15	.	.	PUNCT
hassl-4524	90	1	while	while	SCONJ
hassl-4524	90	2	digital	digital	ADJ
hassl-4524	90	3	transformation	transformation	NOUN
hassl-4524	90	4	enables	enable	VERB
hassl-4524	90	5	banks	bank	NOUN
hassl-4524	90	6	to	to	PART
hassl-4524	90	7	diversify	diversify	VERB
hassl-4524	90	8	revenue	revenue	NOUN
hassl-4524	90	9	sources	source	NOUN
hassl-4524	90	10	,	,	PUNCT
hassl-4524	90	11	the	the	DET
hassl-4524	90	12	stability	stability	NOUN
hassl-4524	90	13	implications	implication	NOUN
hassl-4524	90	14	depend	depend	VERB
hassl-4524	90	15	on	on	ADP
hassl-4524	90	16	how	how	SCONJ
hassl-4524	90	17	well	well	ADV
hassl-4524	90	18	banks	bank	NOUN
hassl-4524	90	19	manage	manage	VERB
hassl-4524	90	20	the	the	DET
hassl-4524	90	21	risks	risk	NOUN
hassl-4524	90	22	associated	associate	VERB
hassl-4524	90	23	with	with	ADP
hassl-4524	90	24	new	new	ADJ
hassl-4524	90	25	business	business	NOUN
hassl-4524	90	26	lines	line	NOUN
hassl-4524	90	27	.	.	PUNCT
hassl-4524	91	1	khattak	khattak	PROPN
hassl-4524	91	2	,	,	PUNCT
hassl-4524	91	3	ali	ali	PROPN
hassl-4524	91	4	,	,	PUNCT
hassl-4524	91	5	azmi	azmi	PROPN
hassl-4524	91	6	,	,	PUNCT
hassl-4524	91	7	and	and	CCONJ
hassl-4524	91	8	rizvi	rizvi	ADJ
hassl-4524	91	9	(	(	PUNCT
hassl-4524	91	10	2023	2023	NUM
hassl-4524	91	11	)	)	PUNCT
hassl-4524	91	12	provide	provide	VERB
hassl-4524	91	13	evidence	evidence	NOUN
hassl-4524	91	14	that	that	SCONJ
hassl-4524	91	15	digital	digital	ADJ
hassl-4524	91	16	transformation	transformation	NOUN
hassl-4524	91	17	strengthens	strengthen	VERB
hassl-4524	91	18	financial	financial	ADJ
hassl-4524	91	19	stability	stability	NOUN
hassl-4524	91	20	when	when	SCONJ
hassl-4524	91	21	banks	bank	NOUN
hassl-4524	91	22	successfully	successfully	ADV
hassl-4524	91	23	expand	expand	VERB
hassl-4524	91	24	non	non	ADJ
hassl-4524	91	25	-	-	ADJ
hassl-4524	91	26	interest	interest	ADJ
hassl-4524	91	27	income	income	NOUN
hassl-4524	91	28	while	while	SCONJ
hassl-4524	91	29	maintaining	maintain	VERB
hassl-4524	91	30	robust	robust	ADJ
hassl-4524	91	31	risk	risk	NOUN
hassl-4524	91	32	controls	control	NOUN
hassl-4524	91	33	.	.	PUNCT
hassl-4524	92	1	however	however	ADV
hassl-4524	92	2	,	,	PUNCT
hassl-4524	92	3	their	their	PRON
hassl-4524	92	4	study	study	NOUN
hassl-4524	92	5	also	also	ADV
hassl-4524	92	6	highlights	highlight	VERB
hassl-4524	92	7	that	that	SCONJ
hassl-4524	92	8	banks	bank	NOUN
hassl-4524	92	9	failing	fail	VERB
hassl-4524	92	10	to	to	PART
hassl-4524	92	11	manage	manage	VERB
hassl-4524	92	12	revenue	revenue	NOUN
hassl-4524	92	13	volatility	volatility	NOUN
hassl-4524	92	14	from	from	ADP
hassl-4524	92	15	new	new	ADJ
hassl-4524	92	16	digital	digital	ADJ
hassl-4524	92	17	services	service	NOUN
hassl-4524	92	18	may	may	AUX
hassl-4524	92	19	face	face	VERB
hassl-4524	92	20	greater	great	ADJ
hassl-4524	92	21	financial	financial	ADJ
hassl-4524	92	22	instability	instability	NOUN
hassl-4524	92	23	.	.	PUNCT
hassl-4524	93	1	mehmood	mehmood	PROPN
hassl-4524	93	2	,	,	PUNCT
hassl-4524	93	3	shah	shah	PROPN
hassl-4524	93	4	,	,	PUNCT
hassl-4524	93	5	azhar	azhar	PROPN
hassl-4524	93	6	,	,	PUNCT
hassl-4524	93	7	and	and	CCONJ
hassl-4524	93	8	rasheed	rasheed	NOUN
hassl-4524	93	9	(	(	PUNCT
hassl-4524	93	10	2014	2014	NUM
hassl-4524	93	11	)	)	PUNCT
hassl-4524	93	12	argue	argue	VERB
hassl-4524	93	13	that	that	SCONJ
hassl-4524	93	14	in	in	ADP
hassl-4524	93	15	highly	highly	ADV
hassl-4524	93	16	digitalized	digitalize	VERB
hassl-4524	93	17	financial	financial	ADJ
hassl-4524	93	18	systems	system	NOUN
hassl-4524	93	19	,	,	PUNCT
hassl-4524	93	20	the	the	DET
hassl-4524	93	21	benefits	benefit	NOUN
hassl-4524	93	22	of	of	ADP
hassl-4524	93	23	technology	technology	NOUN
hassl-4524	93	24	-	-	PUNCT
hassl-4524	93	25	driven	drive	VERB
hassl-4524	93	26	diversification	diversification	NOUN
hassl-4524	93	27	outweigh	outweigh	VERB
hassl-4524	93	28	the	the	DET
hassl-4524	93	29	risks	risk	NOUN
hassl-4524	93	30	,	,	PUNCT
hassl-4524	93	31	particularly	particularly	ADV
hassl-4524	93	32	when	when	SCONJ
hassl-4524	93	33	supported	support	VERB
hassl-4524	93	34	by	by	ADP
hassl-4524	93	35	regulatory	regulatory	ADJ
hassl-4524	93	36	oversight	oversight	NOUN
hassl-4524	93	37	and	and	CCONJ
hassl-4524	93	38	risk	risk	NOUN
hassl-4524	93	39	-	-	PUNCT
hassl-4524	93	40	adjusted	adjust	VERB
hassl-4524	93	41	capital	capital	NOUN
hassl-4524	93	42	buffers	buffer	NOUN
hassl-4524	93	43	.	.	PUNCT
hassl-4524	94	1	this	this	DET
hassl-4524	94	2	theoretical	theoretical	ADJ
hassl-4524	94	3	and	and	CCONJ
hassl-4524	94	4	empirical	empirical	ADJ
hassl-4524	94	5	basis	basis	NOUN
hassl-4524	94	6	supports	support	VERB
hassl-4524	94	7	the	the	DET
hassl-4524	94	8	third	third	ADJ
hassl-4524	94	9	hypothesis	hypothesis	NOUN
hassl-4524	94	10	.	.	PUNCT
hassl-4524	95	1	h3	h3	NOUN
hassl-4524	95	2	:	:	PUNCT
hassl-4524	95	3	income	income	NOUN
hassl-4524	95	4	diversification	diversification	NOUN
hassl-4524	95	5	amplifies	amplify	VERB
hassl-4524	95	6	the	the	DET
hassl-4524	95	7	positive	positive	ADJ
hassl-4524	95	8	effect	effect	NOUN
hassl-4524	95	9	of	of	ADP
hassl-4524	95	10	digital	digital	ADJ
hassl-4524	95	11	transformation	transformation	NOUN
hassl-4524	95	12	on	on	ADP
hassl-4524	95	13	financial	financial	ADJ
hassl-4524	95	14	stability	stability	NOUN
hassl-4524	95	15	.	.	PUNCT
hassl-4524	96	1	3	3	X
hassl-4524	96	2	.	.	X
hassl-4524	96	3	methodology	methodology	NOUN
hassl-4524	96	4	this	this	DET
hassl-4524	96	5	study	study	NOUN
hassl-4524	96	6	employs	employ	VERB
hassl-4524	96	7	a	a	DET
hassl-4524	96	8	balanced	balanced	ADJ
hassl-4524	96	9	panel	panel	NOUN
hassl-4524	96	10	dataset	dataset	NOUN
hassl-4524	96	11	of	of	ADP
hassl-4524	96	12	22	22	NUM
hassl-4524	96	13	vietnamese	vietnamese	ADJ
hassl-4524	96	14	commercial	commercial	ADJ
hassl-4524	96	15	banks	bank	NOUN
hassl-4524	96	16	over	over	ADP
hassl-4524	96	17	the	the	DET
hassl-4524	96	18	period	period	NOUN
hassl-4524	96	19	2010–2023	2010–2023	NUM
hassl-4524	96	20	.	.	PUNCT
hassl-4524	97	1	the	the	DET
hassl-4524	97	2	data	datum	NOUN
hassl-4524	97	3	are	be	AUX
hassl-4524	97	4	extracted	extract	VERB
hassl-4524	97	5	from	from	ADP
hassl-4524	97	6	audited	audit	VERB
hassl-4524	97	7	financial	financial	ADJ
hassl-4524	97	8	statements	statement	NOUN
hassl-4524	97	9	,	,	PUNCT
hassl-4524	97	10	annual	annual	ADJ
hassl-4524	97	11	reports	report	NOUN
hassl-4524	97	12	,	,	PUNCT
hassl-4524	97	13	and	and	CCONJ
hassl-4524	97	14	macroeconomic	macroeconomic	ADJ
hassl-4524	97	15	indicators	indicator	NOUN
hassl-4524	97	16	published	publish	VERB
hassl-4524	97	17	by	by	ADP
hassl-4524	97	18	banks	bank	NOUN
hassl-4524	97	19	and	and	CCONJ
hassl-4524	97	20	regulatory	regulatory	ADJ
hassl-4524	97	21	institutions	institution	NOUN
hassl-4524	97	22	.	.	PUNCT
hassl-4524	98	1	this	this	DET
hassl-4524	98	2	timeframe	timeframe	NOUN
hassl-4524	98	3	is	be	AUX
hassl-4524	98	4	selected	select	VERB
hassl-4524	98	5	to	to	PART
hassl-4524	98	6	capture	capture	VERB
hassl-4524	98	7	the	the	DET
hassl-4524	98	8	evolution	evolution	NOUN
hassl-4524	98	9	of	of	ADP
hassl-4524	98	10	digital	digital	ADJ
hassl-4524	98	11	transformation	transformation	NOUN
hassl-4524	98	12	in	in	ADP
hassl-4524	98	13	the	the	DET
hassl-4524	98	14	vietnamese	vietnamese	ADJ
hassl-4524	98	15	banking	banking	NOUN
hassl-4524	98	16	sector	sector	NOUN
hassl-4524	98	17	and	and	CCONJ
hassl-4524	98	18	the	the	DET
hassl-4524	98	19	subsequent	subsequent	ADJ
hassl-4524	98	20	acceleration	acceleration	NOUN
hassl-4524	98	21	of	of	ADP
hassl-4524	98	22	digitalization	digitalization	NOUN
hassl-4524	98	23	,	,	PUNCT
hassl-4524	98	24	particularly	particularly	ADV
hassl-4524	98	25	during	during	ADP
hassl-4524	98	26	the	the	DET
hassl-4524	98	27	covid-19	covid-19	PROPN
hassl-4524	98	28	pandemic	pandemic	NOUN
hassl-4524	98	29	.	.	PUNCT
hassl-4524	99	1	to	to	PART
hassl-4524	99	2	empirically	empirically	ADV
hassl-4524	99	3	assess	assess	VERB
hassl-4524	99	4	the	the	DET
hassl-4524	99	5	relationships	relationship	NOUN
hassl-4524	99	6	among	among	ADP
hassl-4524	99	7	the	the	DET
hassl-4524	99	8	variables	variable	NOUN
hassl-4524	99	9	,	,	PUNCT
hassl-4524	99	10	three	three	NUM
hassl-4524	99	11	econometric	econometric	ADJ
hassl-4524	99	12	models	model	NOUN
hassl-4524	99	13	are	be	AUX
hassl-4524	99	14	specified	specify	VERB
hassl-4524	99	15	.	.	PUNCT
hassl-4524	100	1	the	the	DET
hassl-4524	100	2	first	first	ADJ
hassl-4524	100	3	model	model	NOUN
hassl-4524	100	4	evaluates	evaluate	VERB
hassl-4524	100	5	the	the	DET
hassl-4524	100	6	direct	direct	ADJ
hassl-4524	100	7	effect	effect	NOUN
hassl-4524	100	8	of	of	ADP
hassl-4524	100	9	digital	digital	ADJ
hassl-4524	100	10	transformation	transformation	NOUN
hassl-4524	100	11	on	on	ADP
hassl-4524	100	12	bank	bank	NOUN
hassl-4524	100	13	stability	stability	NOUN
hassl-4524	100	14	.	.	PUNCT
hassl-4524	101	1	the	the	DET
hassl-4524	101	2	second	second	ADJ
hassl-4524	101	3	model	model	NOUN
hassl-4524	101	4	examines	examine	VERB
hassl-4524	101	5	the	the	DET
hassl-4524	101	6	influence	influence	NOUN
hassl-4524	101	7	humanities	humanity	NOUN
hassl-4524	101	8	and	and	CCONJ
hassl-4524	101	9	social	social	ADJ
hassl-4524	101	10	sciences	science	NOUN
hassl-4524	101	11	letters	letter	NOUN
hassl-4524	101	12	,	,	PUNCT
hassl-4524	101	13	2025	2025	NUM
hassl-4524	101	14	,	,	PUNCT
hassl-4524	101	15	13(4	13(4	NUM
hassl-4524	101	16	):	):	PUNCT
hassl-4524	101	17	1508	1508	NUM
hassl-4524	101	18	-	-	SYM
hassl-4524	101	19	1519	1519	NUM
hassl-4524	101	20	1512	1512	NUM
hassl-4524	101	21	©	©	ADP
hassl-4524	101	22	2025	2025	NUM
hassl-4524	101	23	conscientia	conscientia	PROPN
hassl-4524	101	24	beam	beam	PROPN
hassl-4524	101	25	.	.	PUNCT
hassl-4524	102	1	all	all	DET
hassl-4524	102	2	rights	right	NOUN
hassl-4524	102	3	reserved	reserve	VERB
hassl-4524	102	4	.	.	PUNCT
hassl-4524	103	1	of	of	ADP
hassl-4524	103	2	income	income	NOUN
hassl-4524	103	3	diversification	diversification	NOUN
hassl-4524	103	4	on	on	ADP
hassl-4524	103	5	stability	stability	NOUN
hassl-4524	103	6	.	.	PUNCT
hassl-4524	104	1	the	the	DET
hassl-4524	104	2	third	third	ADJ
hassl-4524	104	3	model	model	NOUN
hassl-4524	104	4	introduces	introduce	VERB
hassl-4524	104	5	an	an	DET
hassl-4524	104	6	interaction	interaction	NOUN
hassl-4524	104	7	term	term	NOUN
hassl-4524	104	8	between	between	ADP
hassl-4524	104	9	digital	digital	ADJ
hassl-4524	104	10	transformation	transformation	NOUN
hassl-4524	104	11	and	and	CCONJ
hassl-4524	104	12	income	income	NOUN
hassl-4524	104	13	diversification	diversification	NOUN
hassl-4524	104	14	to	to	PART
hassl-4524	104	15	test	test	VERB
hassl-4524	104	16	the	the	DET
hassl-4524	104	17	potential	potential	ADJ
hassl-4524	104	18	moderating	moderate	VERB
hassl-4524	104	19	effect	effect	NOUN
hassl-4524	104	20	.	.	PUNCT
hassl-4524	105	1	the	the	DET
hassl-4524	105	2	baseline	baseline	NOUN
hassl-4524	105	3	models	model	NOUN
hassl-4524	105	4	are	be	AUX
hassl-4524	105	5	as	as	SCONJ
hassl-4524	105	6	follows	follow	VERB
hassl-4524	105	7	:	:	PUNCT
hassl-4524	106	1	𝑆𝑇𝐵𝑖,𝑡	𝑆𝑇𝐵𝑖,𝑡	ADJ
hassl-4524	106	2	=	=	SYM
hassl-4524	106	3	𝛽0	𝛽0	NOUN
hassl-4524	106	4	+	+	NOUN
hassl-4524	106	5	𝛽2𝐷𝑇𝑖,𝑡	𝛽2𝐷𝑇𝑖,𝑡	NOUN
hassl-4524	106	6	+	+	CCONJ
hassl-4524	106	7	𝛽3𝐶𝑇𝑖,𝑡	𝛽3𝐶𝑇𝑖,𝑡	NOUN
hassl-4524	106	8	+	+	CCONJ
hassl-4524	106	9	𝜇𝑖	𝜇𝑖	ADP
hassl-4524	106	10	+	+	CCONJ
hassl-4524	106	11	𝛿𝑡	𝛿𝑡	PROPN
hassl-4524	106	12	+	+	NUM
hassl-4524	106	13	휀𝑖,𝑡	휀𝑖,𝑡	PUNCT
hassl-4524	106	14	(	(	PUNCT
hassl-4524	106	15	1	1	X
hassl-4524	106	16	)	)	PUNCT
hassl-4524	106	17	𝑆𝑇𝐵𝑖,𝑡	𝑆𝑇𝐵𝑖,𝑡	NOUN
hassl-4524	106	18	=	=	SYM
hassl-4524	106	19	𝛽0	𝛽0	NOUN
hassl-4524	106	20	+	+	CCONJ
hassl-4524	106	21	𝛽2𝐷𝐼𝑉𝑖,𝑡	𝛽2𝐷𝐼𝑉𝑖,𝑡	ADJ
hassl-4524	106	22	+	+	CCONJ
hassl-4524	106	23	𝛽3𝐶𝑇𝑖,𝑡	𝛽3𝐶𝑇𝑖,𝑡	NOUN
hassl-4524	106	24	+	+	CCONJ
hassl-4524	106	25	𝜇𝑖	𝜇𝑖	ADP
hassl-4524	106	26	+	+	CCONJ
hassl-4524	106	27	𝛿𝑡	𝛿𝑡	PROPN
hassl-4524	106	28	+	+	NUM
hassl-4524	106	29	휀𝑖,𝑡	휀𝑖,𝑡	PUNCT
hassl-4524	106	30	(	(	PUNCT
hassl-4524	106	31	2	2	X
hassl-4524	106	32	)	)	PUNCT
hassl-4524	106	33	𝑆𝑇𝐵𝑖,𝑡	𝑆𝑇𝐵𝑖,𝑡	NOUN
hassl-4524	106	34	=	=	SYM
hassl-4524	106	35	𝛽0	𝛽0	NOUN
hassl-4524	106	36	+	+	NOUN
hassl-4524	106	37	𝛽2𝐷𝑇𝑖,𝑡	𝛽2𝐷𝑇𝑖,𝑡	NOUN
hassl-4524	106	38	∗	∗	NOUN
hassl-4524	106	39	𝐷𝐼𝑉𝑖,𝑡	𝐷𝐼𝑉𝑖,𝑡	NOUN
hassl-4524	107	1	+	+	X
hassl-4524	108	1	𝛽3𝐶𝑇	𝛽3𝐶𝑇	PROPN
hassl-4524	108	2	+	+	CCONJ
hassl-4524	108	3	𝜇𝑖	𝜇𝑖	ADP
hassl-4524	108	4	+	+	CCONJ
hassl-4524	108	5	𝛿𝑡	𝛿𝑡	PROPN
hassl-4524	108	6	+	+	NUM
hassl-4524	108	7	휀𝑖,𝑡	휀𝑖,𝑡	PUNCT
hassl-4524	108	8	(	(	PUNCT
hassl-4524	108	9	3	3	X
hassl-4524	108	10	)	)	PUNCT
hassl-4524	108	11	where	where	SCONJ
hassl-4524	108	12	superscripts	superscript	NOUN
hassl-4524	108	13	i	i	PRON
hassl-4524	108	14	denote	denote	VERB
hassl-4524	108	15	the	the	DET
hassl-4524	108	16	bank	bank	NOUN
hassl-4524	108	17	,	,	PUNCT
hassl-4524	108	18	and	and	CCONJ
hassl-4524	108	19	t	t	PROPN
hassl-4524	108	20	denotes	denote	VERB
hassl-4524	108	21	the	the	DET
hassl-4524	108	22	year	year	NOUN
hassl-4524	108	23	;	;	PUNCT
hassl-4524	108	24	β	β	X
hassl-4524	108	25	denotes	denote	NOUN
hassl-4524	108	26	slope	slope	PROPN
hassl-4524	108	27	;	;	PUNCT
hassl-4524	108	28	휀𝑖,𝑡	휀𝑖,𝑡	PUNCT
hassl-4524	108	29	is	be	AUX
hassl-4524	108	30	the	the	DET
hassl-4524	108	31	error	error	NOUN
hassl-4524	108	32	term	term	NOUN
hassl-4524	108	33	;	;	PUNCT
hassl-4524	108	34	𝛿𝑡	𝛿𝑡	NOUN
hassl-4524	108	35	and	and	CCONJ
hassl-4524	108	36	𝜇𝑖	𝜇𝑖	ADP
hassl-4524	108	37	represents	represent	VERB
hassl-4524	108	38	time	time	NOUN
hassl-4524	108	39	-	-	PUNCT
hassl-4524	108	40	fixed	fix	VERB
hassl-4524	108	41	effects	effect	NOUN
hassl-4524	108	42	and	and	CCONJ
hassl-4524	108	43	firm	firm	NOUN
hassl-4524	108	44	-	-	PUNCT
hassl-4524	108	45	fixed	fix	VERB
hassl-4524	108	46	effects	effect	NOUN
hassl-4524	108	47	,	,	PUNCT
hassl-4524	108	48	respectively	respectively	ADV
hassl-4524	108	49	.	.	PUNCT
hassl-4524	109	1	bank	bank	NOUN
hassl-4524	109	2	stability	stability	NOUN
hassl-4524	109	3	(	(	PUNCT
hassl-4524	109	4	stb	stb	NOUN
hassl-4524	109	5	)	)	PUNCT
hassl-4524	109	6	in	in	ADP
hassl-4524	109	7	this	this	DET
hassl-4524	109	8	study	study	NOUN
hassl-4524	109	9	is	be	AUX
hassl-4524	109	10	assessed	assess	VERB
hassl-4524	109	11	using	use	VERB
hassl-4524	109	12	the	the	DET
hassl-4524	109	13	z	z	NOUN
hassl-4524	109	14	-	-	PUNCT
hassl-4524	109	15	score	score	NOUN
hassl-4524	109	16	,	,	PUNCT
hassl-4524	109	17	a	a	DET
hassl-4524	109	18	widely	widely	ADV
hassl-4524	109	19	recognized	recognize	VERB
hassl-4524	109	20	metric	metric	ADJ
hassl-4524	109	21	for	for	ADP
hassl-4524	109	22	evaluating	evaluate	VERB
hassl-4524	109	23	a	a	DET
hassl-4524	109	24	bank	bank	NOUN
hassl-4524	109	25	's	's	PART
hassl-4524	109	26	resilience	resilience	NOUN
hassl-4524	109	27	.	.	PUNCT
hassl-4524	110	1	consistent	consistent	ADJ
hassl-4524	110	2	with	with	ADP
hassl-4524	110	3	the	the	DET
hassl-4524	110	4	approaches	approach	NOUN
hassl-4524	110	5	of	of	ADP
hassl-4524	110	6	li	li	PROPN
hassl-4524	110	7	,	,	PUNCT
hassl-4524	110	8	tripe	tripe	NOUN
hassl-4524	110	9	,	,	PUNCT
hassl-4524	110	10	and	and	CCONJ
hassl-4524	110	11	malone	malone	PROPN
hassl-4524	110	12	(	(	PUNCT
hassl-4524	110	13	2017	2017	NUM
hassl-4524	110	14	)	)	PUNCT
hassl-4524	110	15	and	and	CCONJ
hassl-4524	110	16	khattak	khattak	PROPN
hassl-4524	110	17	et	et	PROPN
hassl-4524	110	18	al	al	PROPN
hassl-4524	110	19	.	.	PROPN
hassl-4524	111	1	(	(	PUNCT
hassl-4524	111	2	2023	2023	NUM
hassl-4524	111	3	)	)	PUNCT
hassl-4524	111	4	the	the	DET
hassl-4524	111	5	zscore	zscore	NOUN
hassl-4524	111	6	is	be	AUX
hassl-4524	111	7	computed	compute	VERB
hassl-4524	111	8	using	use	VERB
hassl-4524	111	9	the	the	DET
hassl-4524	111	10	formula	formula	NOUN
hassl-4524	111	11	.	.	PUNCT
hassl-4524	112	1	𝑍𝑠𝑐𝑜𝑟𝑒𝑖𝑡	𝑍𝑠𝑐𝑜𝑟𝑒𝑖𝑡	NOUN
hassl-4524	112	2	=	=	PUNCT
hassl-4524	112	3	𝑅𝑂𝐴𝑖𝑡	𝑅𝑂𝐴𝑖𝑡	PUNCT
hassl-4524	112	4	+	+	NUM
hassl-4524	112	5	𝐸𝐴𝑖𝑡	𝐸𝐴𝑖𝑡	PROPN
hassl-4524	112	6	sd(roa	sd(roa	NOUN
hassl-4524	112	7	)	)	PUNCT
hassl-4524	112	8	where	where	SCONJ
hassl-4524	112	9	roa	roa	PROPN
hassl-4524	112	10	refers	refer	VERB
hassl-4524	112	11	to	to	ADP
hassl-4524	112	12	the	the	DET
hassl-4524	112	13	return	return	NOUN
hassl-4524	112	14	on	on	ADP
hassl-4524	112	15	total	total	ADJ
hassl-4524	112	16	assets	asset	NOUN
hassl-4524	112	17	,	,	PUNCT
hassl-4524	112	18	ea	ea	X
hassl-4524	112	19	represents	represent	VERB
hassl-4524	112	20	the	the	DET
hassl-4524	112	21	equity	equity	NOUN
hassl-4524	112	22	-	-	PUNCT
hassl-4524	112	23	to	to	ADP
hassl-4524	112	24	-	-	PUNCT
hassl-4524	112	25	assets	asset	NOUN
hassl-4524	112	26	ratio	ratio	NOUN
hassl-4524	112	27	,	,	PUNCT
hassl-4524	112	28	and	and	CCONJ
hassl-4524	112	29	sd	sd	INTJ
hassl-4524	112	30	(	(	PUNCT
hassl-4524	112	31	roa	roa	NOUN
hassl-4524	112	32	)	)	PUNCT
hassl-4524	112	33	denotes	denote	VERB
hassl-4524	112	34	the	the	DET
hassl-4524	112	35	standard	standard	ADJ
hassl-4524	112	36	deviation	deviation	NOUN
hassl-4524	112	37	of	of	ADP
hassl-4524	112	38	roa	roa	PROPN
hassl-4524	112	39	.	.	PUNCT
hassl-4524	113	1	a	a	DET
hassl-4524	113	2	higher	high	ADJ
hassl-4524	113	3	z	z	NOUN
hassl-4524	113	4	-	-	PUNCT
hassl-4524	113	5	score	score	NOUN
hassl-4524	113	6	reflects	reflect	VERB
hassl-4524	113	7	a	a	DET
hassl-4524	113	8	lower	low	ADJ
hassl-4524	113	9	risk	risk	NOUN
hassl-4524	113	10	of	of	ADP
hassl-4524	113	11	insolvency	insolvency	NOUN
hassl-4524	113	12	,	,	PUNCT
hassl-4524	113	13	indicating	indicate	VERB
hassl-4524	113	14	stronger	strong	ADJ
hassl-4524	113	15	financial	financial	ADJ
hassl-4524	113	16	stability	stability	NOUN
hassl-4524	113	17	.	.	PUNCT
hassl-4524	114	1	digital	digital	ADJ
hassl-4524	114	2	transformation	transformation	NOUN
hassl-4524	114	3	(	(	PUNCT
hassl-4524	114	4	dt	dt	NOUN
hassl-4524	114	5	)	)	PUNCT
hassl-4524	114	6	is	be	AUX
hassl-4524	114	7	the	the	DET
hassl-4524	114	8	primary	primary	ADJ
hassl-4524	114	9	explanatory	explanatory	ADJ
hassl-4524	114	10	variable	variable	NOUN
hassl-4524	114	11	in	in	ADP
hassl-4524	114	12	this	this	DET
hassl-4524	114	13	study	study	NOUN
hassl-4524	114	14	.	.	PUNCT
hassl-4524	115	1	following	follow	VERB
hassl-4524	115	2	the	the	DET
hassl-4524	115	3	approach	approach	NOUN
hassl-4524	115	4	proposed	propose	VERB
hassl-4524	115	5	by	by	ADP
hassl-4524	115	6	kriebel	kriebel	NOUN
hassl-4524	115	7	and	and	CCONJ
hassl-4524	115	8	debener	debener	NOUN
hassl-4524	115	9	(	(	PUNCT
hassl-4524	115	10	2019	2019	NUM
hassl-4524	115	11	)	)	PUNCT
hassl-4524	115	12	,	,	PUNCT
hassl-4524	115	13	this	this	DET
hassl-4524	115	14	variable	variable	NOUN
hassl-4524	115	15	is	be	AUX
hassl-4524	115	16	constructed	construct	VERB
hassl-4524	115	17	using	use	VERB
hassl-4524	115	18	a	a	DET
hassl-4524	115	19	content	content	NOUN
hassl-4524	115	20	analysis	analysis	NOUN
hassl-4524	115	21	technique	technique	NOUN
hassl-4524	115	22	based	base	VERB
hassl-4524	115	23	on	on	ADP
hassl-4524	115	24	textual	textual	ADJ
hassl-4524	115	25	data	datum	NOUN
hassl-4524	115	26	extracted	extract	VERB
hassl-4524	115	27	from	from	ADP
hassl-4524	115	28	banks	bank	NOUN
hassl-4524	115	29	’	'	PUNCT
hassl-4524	115	30	annual	annual	ADJ
hassl-4524	115	31	reports	report	NOUN
hassl-4524	115	32	.	.	PUNCT
hassl-4524	116	1	a	a	DET
hassl-4524	116	2	python	python	NOUN
hassl-4524	116	3	-	-	PUNCT
hassl-4524	116	4	based	base	VERB
hassl-4524	116	5	algorithm	algorithm	NOUN
hassl-4524	116	6	is	be	AUX
hassl-4524	116	7	used	use	VERB
hassl-4524	116	8	to	to	PART
hassl-4524	116	9	identify	identify	VERB
hassl-4524	116	10	and	and	CCONJ
hassl-4524	116	11	count	count	VERB
hassl-4524	116	12	occurrences	occurrence	NOUN
hassl-4524	116	13	of	of	ADP
hassl-4524	116	14	digital	digital	ADJ
hassl-4524	116	15	transformation	transformation	NOUN
hassl-4524	116	16	terms	term	NOUN
hassl-4524	116	17	across	across	ADP
hassl-4524	116	18	documents	document	NOUN
hassl-4524	116	19	.	.	PUNCT
hassl-4524	117	1	these	these	DET
hassl-4524	117	2	keywords	keyword	NOUN
hassl-4524	117	3	are	be	AUX
hassl-4524	117	4	carefully	carefully	ADV
hassl-4524	117	5	selected	select	VERB
hassl-4524	117	6	and	and	CCONJ
hassl-4524	117	7	grouped	group	VERB
hassl-4524	117	8	into	into	ADP
hassl-4524	117	9	seven	seven	NUM
hassl-4524	117	10	categories	category	NOUN
hassl-4524	117	11	representing	represent	VERB
hassl-4524	117	12	key	key	ADJ
hassl-4524	117	13	dimensions	dimension	NOUN
hassl-4524	117	14	of	of	ADP
hassl-4524	117	15	digital	digital	ADJ
hassl-4524	117	16	transformation	transformation	NOUN
hassl-4524	117	17	:	:	PUNCT
hassl-4524	117	18	digital	digital	ADJ
hassl-4524	117	19	infrastructure	infrastructure	NOUN
hassl-4524	117	20	,	,	PUNCT
hassl-4524	117	21	atm	atm	ADJ
hassl-4524	117	22	and	and	CCONJ
hassl-4524	117	23	electronic	electronic	ADJ
hassl-4524	117	24	payments	payment	NOUN
hassl-4524	117	25	,	,	PUNCT
hassl-4524	117	26	internet	internet	NOUN
hassl-4524	117	27	banking	banking	NOUN
hassl-4524	117	28	,	,	PUNCT
hassl-4524	117	29	mobile	mobile	ADJ
hassl-4524	117	30	banking	banking	NOUN
hassl-4524	117	31	,	,	PUNCT
hassl-4524	117	32	cybersecurity	cybersecurity	NOUN
hassl-4524	117	33	,	,	PUNCT
hassl-4524	117	34	big	big	ADJ
hassl-4524	117	35	data	datum	NOUN
hassl-4524	117	36	analytics	analytic	NOUN
hassl-4524	117	37	,	,	PUNCT
hassl-4524	117	38	and	and	CCONJ
hassl-4524	117	39	fintech	fintech	NOUN
hassl-4524	117	40	adoption	adoption	NOUN
hassl-4524	117	41	.	.	PUNCT
hassl-4524	118	1	to	to	PART
hassl-4524	118	2	assess	assess	VERB
hassl-4524	118	3	both	both	DET
hassl-4524	118	4	the	the	DET
hassl-4524	118	5	prominence	prominence	NOUN
hassl-4524	118	6	and	and	CCONJ
hassl-4524	118	7	uniqueness	uniqueness	NOUN
hassl-4524	118	8	of	of	ADP
hassl-4524	118	9	digital	digital	ADJ
hassl-4524	118	10	-	-	PUNCT
hassl-4524	118	11	related	relate	VERB
hassl-4524	118	12	content	content	NOUN
hassl-4524	118	13	,	,	PUNCT
hassl-4524	118	14	the	the	DET
hassl-4524	118	15	study	study	NOUN
hassl-4524	118	16	applies	apply	VERB
hassl-4524	118	17	the	the	DET
hassl-4524	118	18	term	term	NOUN
hassl-4524	118	19	frequency	frequency	NOUN
hassl-4524	118	20	–	–	PUNCT
hassl-4524	118	21	inverse	inverse	NOUN
hassl-4524	118	22	document	document	NOUN
hassl-4524	118	23	frequency	frequency	NOUN
hassl-4524	118	24	(	(	PUNCT
hassl-4524	118	25	tf	tf	PROPN
hassl-4524	118	26	-	-	PUNCT
hassl-4524	118	27	idf	idf	NOUN
hassl-4524	118	28	)	)	PUNCT
hassl-4524	118	29	technique	technique	NOUN
hassl-4524	118	30	.	.	PUNCT
hassl-4524	119	1	this	this	DET
hassl-4524	119	2	method	method	NOUN
hassl-4524	119	3	reflects	reflect	VERB
hassl-4524	119	4	a	a	DET
hassl-4524	119	5	term	term	NOUN
hassl-4524	119	6	’s	’s	PART
hassl-4524	119	7	significance	significance	NOUN
hassl-4524	119	8	in	in	ADP
hassl-4524	119	9	a	a	DET
hassl-4524	119	10	given	give	VERB
hassl-4524	119	11	document	document	NOUN
hassl-4524	119	12	relative	relative	ADJ
hassl-4524	119	13	to	to	ADP
hassl-4524	119	14	its	its	PRON
hassl-4524	119	15	frequency	frequency	NOUN
hassl-4524	119	16	across	across	ADP
hassl-4524	119	17	the	the	DET
hassl-4524	119	18	entire	entire	ADJ
hassl-4524	119	19	collection	collection	NOUN
hassl-4524	119	20	of	of	ADP
hassl-4524	119	21	documents	document	NOUN
hassl-4524	119	22	.	.	PUNCT
hassl-4524	120	1	term	term	NOUN
hassl-4524	120	2	frequency	frequency	NOUN
hassl-4524	120	3	(	(	PUNCT
hassl-4524	120	4	tf	tf	X
hassl-4524	120	5	)	)	PUNCT
hassl-4524	120	6	is	be	AUX
hassl-4524	120	7	measured	measure	VERB
hassl-4524	120	8	by	by	ADP
hassl-4524	120	9	dividing	divide	VERB
hassl-4524	120	10	the	the	DET
hassl-4524	120	11	number	number	NOUN
hassl-4524	120	12	of	of	ADP
hassl-4524	120	13	times	time	NOUN
hassl-4524	120	14	a	a	DET
hassl-4524	120	15	term	term	NOUN
hassl-4524	120	16	appears	appear	VERB
hassl-4524	120	17	in	in	ADP
hassl-4524	120	18	a	a	DET
hassl-4524	120	19	document	document	NOUN
hassl-4524	120	20	by	by	ADP
hassl-4524	120	21	the	the	DET
hassl-4524	120	22	total	total	ADJ
hassl-4524	120	23	word	word	NOUN
hassl-4524	120	24	count	count	NOUN
hassl-4524	120	25	of	of	ADP
hassl-4524	120	26	that	that	DET
hassl-4524	120	27	document	document	NOUN
hassl-4524	120	28	.	.	PUNCT
hassl-4524	121	1	inverse	inverse	ADJ
hassl-4524	121	2	document	document	NOUN
hassl-4524	121	3	frequency	frequency	NOUN
hassl-4524	121	4	(	(	PUNCT
hassl-4524	121	5	idf	idf	PROPN
hassl-4524	121	6	)	)	PUNCT
hassl-4524	121	7	is	be	AUX
hassl-4524	121	8	determined	determine	VERB
hassl-4524	121	9	by	by	ADP
hassl-4524	121	10	taking	take	VERB
hassl-4524	121	11	the	the	DET
hassl-4524	121	12	logarithm	logarithm	NOUN
hassl-4524	121	13	of	of	ADP
hassl-4524	121	14	the	the	DET
hassl-4524	121	15	total	total	ADJ
hassl-4524	121	16	number	number	NOUN
hassl-4524	121	17	of	of	ADP
hassl-4524	121	18	documents	document	NOUN
hassl-4524	121	19	divided	divide	VERB
hassl-4524	121	20	by	by	ADP
hassl-4524	121	21	the	the	DET
hassl-4524	121	22	number	number	NOUN
hassl-4524	121	23	of	of	ADP
hassl-4524	121	24	documents	document	NOUN
hassl-4524	121	25	containing	contain	VERB
hassl-4524	121	26	the	the	DET
hassl-4524	121	27	term	term	NOUN
hassl-4524	121	28	.	.	PUNCT
hassl-4524	122	1	the	the	DET
hassl-4524	122	2	tf	tf	PROPN
hassl-4524	122	3	-	-	PUNCT
hassl-4524	122	4	idf	idf	PROPN
hassl-4524	122	5	score	score	NOUN
hassl-4524	122	6	is	be	AUX
hassl-4524	122	7	then	then	ADV
hassl-4524	122	8	calculated	calculate	VERB
hassl-4524	122	9	as	as	ADP
hassl-4524	122	10	:	:	PUNCT
hassl-4524	122	11	𝑇𝐹𝐼𝐷𝐹𝑖	𝑇𝐹𝐼𝐷𝐹𝑖	NOUN
hassl-4524	122	12	=	=	SYM
hassl-4524	122	13	𝑇𝐹𝑖	𝑇𝐹𝑖	NOUN
hassl-4524	122	14	∗	∗	NOUN
hassl-4524	122	15	𝐼𝐷𝐹𝑖	𝐼𝐷𝐹𝑖	NOUN
hassl-4524	122	16	where	where	SCONJ
hassl-4524	122	17	:	:	PUNCT
hassl-4524	122	18	𝑇𝐹𝑖	𝑇𝐹𝑖	X
hassl-4524	122	19	=	=	PUNCT
hassl-4524	122	20	the	the	DET
hassl-4524	122	21	times	time	NOUN
hassl-4524	122	22	a	a	DET
hassl-4524	122	23	term	term	NOUN
hassl-4524	122	24	appears	appear	VERB
hassl-4524	122	25	in	in	ADP
hassl-4524	122	26	the	the	DET
hassl-4524	122	27	document	document	NOUN
hassl-4524	122	28	total	total	ADJ
hassl-4524	122	29	number	number	NOUN
hassl-4524	122	30	of	of	ADP
hassl-4524	122	31	words	word	NOUN
hassl-4524	122	32	in	in	ADP
hassl-4524	122	33	the	the	DET
hassl-4524	122	34	document	document	NOUN
hassl-4524	122	35	𝐼𝐷𝐹𝑖	𝐼𝐷𝐹𝑖	NOUN
hassl-4524	122	36	=	=	SYM
hassl-4524	122	37	log	log	PROPN
hassl-4524	122	38	(	(	PUNCT
hassl-4524	122	39	𝑇𝑜𝑡𝑎𝑙	𝑇𝑜𝑡𝑎𝑙	PROPN
hassl-4524	122	40	𝑛𝑢𝑚𝑏𝑒𝑟	𝑛𝑢𝑚𝑏𝑒𝑟	NOUN
hassl-4524	122	41	𝑜𝑓	𝑜𝑓	ADP
hassl-4524	122	42	𝑑𝑜𝑐𝑢𝑚𝑒𝑛𝑡𝑠	𝑑𝑜𝑐𝑢𝑚𝑒𝑛𝑡𝑠	NOUN
hassl-4524	122	43	𝑁𝑢𝑚𝑏𝑒𝑟	𝑁𝑢𝑚𝑏𝑒𝑟	PROPN
hassl-4524	122	44	𝑜𝑓	𝑜𝑓	ADP
hassl-4524	122	45	𝑑𝑜𝑐𝑢𝑚𝑒𝑛𝑡𝑠	𝑑𝑜𝑐𝑢𝑚𝑒𝑛𝑡𝑠	NOUN
hassl-4524	122	46	𝑖𝑛𝑐𝑙𝑢𝑑𝑒𝑑	𝑖𝑛𝑐𝑙𝑢𝑑𝑒𝑑	PROPN
hassl-4524	122	47	𝑡ℎ𝑖𝑠	𝑡ℎ𝑖𝑠	VERB
hassl-4524	122	48	𝑡𝑒𝑟𝑚	𝑡𝑒𝑟𝑚	PROPN
hassl-4524	122	49	)	)	PUNCT
hassl-4524	122	50	the	the	DET
hassl-4524	122	51	total	total	ADJ
hassl-4524	122	52	digital	digital	ADJ
hassl-4524	122	53	transformation	transformation	NOUN
hassl-4524	122	54	index	index	NOUN
hassl-4524	122	55	(	(	PUNCT
hassl-4524	122	56	dt	dt	PROPN
hassl-4524	122	57	)	)	PUNCT
hassl-4524	122	58	is	be	AUX
hassl-4524	122	59	calculated	calculate	VERB
hassl-4524	122	60	by	by	ADP
hassl-4524	122	61	summing	sum	VERB
hassl-4524	122	62	all	all	DET
hassl-4524	122	63	tfidf	tfidf	NOUN
hassl-4524	122	64	scores	score	NOUN
hassl-4524	122	65	of	of	ADP
hassl-4524	122	66	the	the	DET
hassl-4524	122	67	relevant	relevant	ADJ
hassl-4524	122	68	keywords	keyword	NOUN
hassl-4524	122	69	for	for	ADP
hassl-4524	122	70	each	each	DET
hassl-4524	122	71	bank	bank	NOUN
hassl-4524	122	72	-	-	PUNCT
hassl-4524	122	73	year	year	NOUN
hassl-4524	122	74	.	.	PUNCT
hassl-4524	123	1	𝐷𝑇	𝐷𝑇	PROPN
hassl-4524	123	2	=	=	SYM
hassl-4524	123	3	∑	∑	PUNCT
hassl-4524	123	4	𝑇𝐹𝐼𝐷𝐹𝑖	𝑇𝐹𝐼𝐷𝐹𝑖	NOUN
hassl-4524	123	5	income	income	NOUN
hassl-4524	123	6	diversification	diversification	NOUN
hassl-4524	123	7	(	(	PUNCT
hassl-4524	123	8	div	div	PROPN
hassl-4524	123	9	)	)	PUNCT
hassl-4524	123	10	is	be	AUX
hassl-4524	123	11	considered	consider	VERB
hassl-4524	123	12	a	a	DET
hassl-4524	123	13	potential	potential	ADJ
hassl-4524	123	14	mediator	mediator	NOUN
hassl-4524	123	15	in	in	ADP
hassl-4524	123	16	the	the	DET
hassl-4524	123	17	relationship	relationship	NOUN
hassl-4524	123	18	between	between	ADP
hassl-4524	123	19	digital	digital	ADJ
hassl-4524	123	20	transformation	transformation	NOUN
hassl-4524	123	21	and	and	CCONJ
hassl-4524	123	22	financial	financial	ADJ
hassl-4524	123	23	stability	stability	NOUN
hassl-4524	123	24	.	.	PUNCT
hassl-4524	124	1	div	div	PROPN
hassl-4524	124	2	is	be	AUX
hassl-4524	124	3	measured	measure	VERB
hassl-4524	124	4	as	as	ADP
hassl-4524	124	5	the	the	DET
hassl-4524	124	6	ratio	ratio	NOUN
hassl-4524	124	7	of	of	ADP
hassl-4524	124	8	non	non	ADJ
hassl-4524	124	9	-	-	ADJ
hassl-4524	124	10	interest	interest	ADJ
hassl-4524	124	11	income	income	NOUN
hassl-4524	124	12	to	to	ADP
hassl-4524	124	13	total	total	ADJ
hassl-4524	124	14	income	income	NOUN
hassl-4524	124	15	,	,	PUNCT
hassl-4524	124	16	capturing	capture	VERB
hassl-4524	124	17	the	the	DET
hassl-4524	124	18	extent	extent	NOUN
hassl-4524	124	19	to	to	PART
hassl-4524	124	20	which	which	PRON
hassl-4524	124	21	banks	bank	NOUN
hassl-4524	124	22	rely	rely	VERB
hassl-4524	124	23	on	on	ADP
hassl-4524	124	24	alternative	alternative	ADJ
hassl-4524	124	25	revenue	revenue	NOUN
hassl-4524	124	26	sources	source	NOUN
hassl-4524	124	27	such	such	ADJ
hassl-4524	124	28	as	as	ADP
hassl-4524	124	29	fees	fee	NOUN
hassl-4524	124	30	,	,	PUNCT
hassl-4524	124	31	commissions	commission	NOUN
hassl-4524	124	32	,	,	PUNCT
hassl-4524	124	33	and	and	CCONJ
hassl-4524	124	34	trading	trading	NOUN
hassl-4524	124	35	income	income	NOUN
hassl-4524	124	36	.	.	PUNCT
hassl-4524	125	1	this	this	DET
hassl-4524	125	2	measure	measure	NOUN
hassl-4524	125	3	is	be	AUX
hassl-4524	125	4	widely	widely	ADV
hassl-4524	125	5	used	use	VERB
hassl-4524	125	6	in	in	ADP
hassl-4524	125	7	the	the	DET
hassl-4524	125	8	literature	literature	NOUN
hassl-4524	125	9	(	(	PUNCT
hassl-4524	125	10	stiroh	stiroh	PROPN
hassl-4524	125	11	&	&	CCONJ
hassl-4524	125	12	rumble	rumble	ADJ
hassl-4524	125	13	,	,	PUNCT
hassl-4524	125	14	2006	2006	NUM
hassl-4524	125	15	)	)	PUNCT
hassl-4524	125	16	and	and	CCONJ
hassl-4524	125	17	reflects	reflect	VERB
hassl-4524	125	18	a	a	DET
hassl-4524	125	19	bank	bank	NOUN
hassl-4524	125	20	’s	’s	PART
hassl-4524	125	21	capacity	capacity	NOUN
hassl-4524	125	22	to	to	PART
hassl-4524	125	23	reduce	reduce	VERB
hassl-4524	125	24	dependence	dependence	NOUN
hassl-4524	125	25	on	on	ADP
hassl-4524	125	26	traditional	traditional	ADJ
hassl-4524	125	27	interest	interest	NOUN
hassl-4524	125	28	-	-	PUNCT
hassl-4524	125	29	based	base	VERB
hassl-4524	125	30	income	income	NOUN
hassl-4524	125	31	.	.	PUNCT
hassl-4524	126	1	ct	ct	PROPN
hassl-4524	126	2	is	be	AUX
hassl-4524	126	3	a	a	DET
hassl-4524	126	4	set	set	NOUN
hassl-4524	126	5	of	of	ADP
hassl-4524	126	6	control	control	NOUN
hassl-4524	126	7	variables	variable	NOUN
hassl-4524	126	8	,	,	PUNCT
hassl-4524	126	9	including	include	VERB
hassl-4524	126	10	both	both	DET
hassl-4524	126	11	bank	bank	NOUN
hassl-4524	126	12	-	-	PUNCT
hassl-4524	126	13	specific	specific	ADJ
hassl-4524	126	14	and	and	CCONJ
hassl-4524	126	15	macroeconomic	macroeconomic	ADJ
hassl-4524	126	16	factors	factor	NOUN
hassl-4524	126	17	.	.	PUNCT
hassl-4524	127	1	loan	loan	NOUN
hassl-4524	127	2	loss	loss	NOUN
hassl-4524	127	3	provisions	provision	NOUN
hassl-4524	127	4	(	(	PUNCT
hassl-4524	127	5	llp	llp	PROPN
hassl-4524	127	6	)	)	PUNCT
hassl-4524	127	7	,	,	PUNCT
hassl-4524	127	8	calculated	calculate	VERB
hassl-4524	127	9	as	as	ADP
hassl-4524	127	10	loan	loan	NOUN
hassl-4524	127	11	loss	loss	NOUN
hassl-4524	127	12	reserves	reserve	NOUN
hassl-4524	127	13	over	over	ADP
hassl-4524	127	14	total	total	ADJ
hassl-4524	127	15	loans	loan	NOUN
hassl-4524	127	16	,	,	PUNCT
hassl-4524	127	17	serve	serve	VERB
hassl-4524	127	18	as	as	ADP
hassl-4524	127	19	a	a	DET
hassl-4524	127	20	proxy	proxy	NOUN
hassl-4524	127	21	for	for	ADP
hassl-4524	127	22	credit	credit	NOUN
hassl-4524	127	23	risk	risk	NOUN
hassl-4524	127	24	(	(	PUNCT
hassl-4524	127	25	ozili	ozili	NOUN
hassl-4524	127	26	&	&	CCONJ
hassl-4524	127	27	outa	outa	ADJ
hassl-4524	127	28	,	,	PUNCT
hassl-4524	127	29	2017	2017	NUM
hassl-4524	127	30	)	)	PUNCT
hassl-4524	127	31	.	.	PUNCT
hassl-4524	128	1	capital	capital	NOUN
hassl-4524	128	2	humanities	humanity	NOUN
hassl-4524	128	3	and	and	CCONJ
hassl-4524	128	4	social	social	ADJ
hassl-4524	128	5	sciences	science	NOUN
hassl-4524	128	6	letters	letter	NOUN
hassl-4524	128	7	,	,	PUNCT
hassl-4524	128	8	2025	2025	NUM
hassl-4524	128	9	,	,	PUNCT
hassl-4524	128	10	13(4	13(4	NUM
hassl-4524	128	11	):	):	PUNCT
hassl-4524	128	12	1508	1508	NUM
hassl-4524	128	13	-	-	SYM
hassl-4524	128	14	1519	1519	NUM
hassl-4524	128	15	1513	1513	NUM
hassl-4524	128	16	©	©	PROPN
hassl-4524	128	17	2025	2025	NUM
hassl-4524	128	18	conscientia	conscientia	PROPN
hassl-4524	128	19	beam	beam	PROPN
hassl-4524	128	20	.	.	PUNCT
hassl-4524	129	1	all	all	DET
hassl-4524	129	2	rights	right	NOUN
hassl-4524	129	3	reserved	reserve	VERB
hassl-4524	129	4	.	.	PUNCT
hassl-4524	130	1	adequacy	adequacy	NOUN
hassl-4524	130	2	(	(	PUNCT
hassl-4524	130	3	eta	eta	NOUN
hassl-4524	130	4	)	)	PUNCT
hassl-4524	130	5	is	be	AUX
hassl-4524	130	6	measured	measure	VERB
hassl-4524	130	7	as	as	ADP
hassl-4524	130	8	the	the	DET
hassl-4524	130	9	equity	equity	NOUN
hassl-4524	130	10	-	-	PUNCT
hassl-4524	130	11	to	to	ADP
hassl-4524	130	12	-	-	PUNCT
hassl-4524	130	13	assets	asset	NOUN
hassl-4524	130	14	ratio	ratio	NOUN
hassl-4524	130	15	,	,	PUNCT
hassl-4524	130	16	indicating	indicate	VERB
hassl-4524	130	17	a	a	DET
hassl-4524	130	18	bank	bank	NOUN
hassl-4524	130	19	's	's	PART
hassl-4524	130	20	ability	ability	NOUN
hassl-4524	130	21	to	to	PART
hassl-4524	130	22	absorb	absorb	VERB
hassl-4524	130	23	financial	financial	ADJ
hassl-4524	130	24	shocks	shock	NOUN
hassl-4524	130	25	(	(	PUNCT
hassl-4524	130	26	khattak	khattak	PROPN
hassl-4524	130	27	et	et	PROPN
hassl-4524	130	28	al	al	PROPN
hassl-4524	130	29	.	.	PROPN
hassl-4524	130	30	,	,	PUNCT
hassl-4524	130	31	2023	2023	NUM
hassl-4524	130	32	;	;	PUNCT
hassl-4524	130	33	xie	xie	PROPN
hassl-4524	130	34	&	&	CCONJ
hassl-4524	130	35	wang	wang	PROPN
hassl-4524	130	36	,	,	PUNCT
hassl-4524	130	37	2023	2023	NUM
hassl-4524	130	38	)	)	PUNCT
hassl-4524	130	39	.	.	PUNCT
hassl-4524	131	1	liquidity	liquidity	NOUN
hassl-4524	131	2	(	(	PUNCT
hassl-4524	131	3	lta	lta	PROPN
hassl-4524	131	4	)	)	PUNCT
hassl-4524	131	5	is	be	AUX
hassl-4524	131	6	represented	represent	VERB
hassl-4524	131	7	by	by	ADP
hassl-4524	131	8	the	the	DET
hassl-4524	131	9	ratio	ratio	NOUN
hassl-4524	131	10	of	of	ADP
hassl-4524	131	11	liquid	liquid	ADJ
hassl-4524	131	12	assets	asset	NOUN
hassl-4524	131	13	to	to	ADP
hassl-4524	131	14	total	total	ADJ
hassl-4524	131	15	assets	asset	NOUN
hassl-4524	131	16	,	,	PUNCT
hassl-4524	131	17	reflecting	reflect	VERB
hassl-4524	131	18	a	a	DET
hassl-4524	131	19	bank	bank	NOUN
hassl-4524	131	20	’s	’s	PART
hassl-4524	131	21	short	short	ADJ
hassl-4524	131	22	-	-	PUNCT
hassl-4524	131	23	term	term	NOUN
hassl-4524	131	24	financial	financial	ADJ
hassl-4524	131	25	flexibility	flexibility	NOUN
hassl-4524	131	26	.	.	PUNCT
hassl-4524	132	1	at	at	ADP
hassl-4524	132	2	the	the	DET
hassl-4524	132	3	macroeconomic	macroeconomic	ADJ
hassl-4524	132	4	level	level	NOUN
hassl-4524	132	5	,	,	PUNCT
hassl-4524	132	6	the	the	DET
hassl-4524	132	7	study	study	NOUN
hassl-4524	132	8	incorporates	incorporate	VERB
hassl-4524	132	9	the	the	DET
hassl-4524	132	10	gdp	gdp	NOUN
hassl-4524	132	11	growth	growth	NOUN
hassl-4524	132	12	rate	rate	NOUN
hassl-4524	132	13	to	to	PART
hassl-4524	132	14	account	account	VERB
hassl-4524	132	15	for	for	ADP
hassl-4524	132	16	economic	economic	ADJ
hassl-4524	132	17	conditions	condition	NOUN
hassl-4524	132	18	(	(	PUNCT
hassl-4524	132	19	adusei	adusei	ADJ
hassl-4524	132	20	,	,	PUNCT
hassl-4524	132	21	2015	2015	NUM
hassl-4524	132	22	;	;	PUNCT
hassl-4524	132	23	ali	ali	PROPN
hassl-4524	132	24	&	&	CCONJ
hassl-4524	132	25	puah	puah	PROPN
hassl-4524	132	26	,	,	PUNCT
hassl-4524	132	27	2018	2018	NUM
hassl-4524	132	28	)	)	PUNCT
hassl-4524	132	29	.	.	PUNCT
hassl-4524	133	1	the	the	DET
hassl-4524	133	2	impact	impact	NOUN
hassl-4524	133	3	of	of	ADP
hassl-4524	133	4	the	the	DET
hassl-4524	133	5	covid-19	covid-19	PROPN
hassl-4524	133	6	pandemic	pandemic	NOUN
hassl-4524	133	7	is	be	AUX
hassl-4524	133	8	controlled	control	VERB
hassl-4524	133	9	using	use	VERB
hassl-4524	133	10	a	a	DET
hassl-4524	133	11	dummy	dummy	ADJ
hassl-4524	133	12	variable	variable	NOUN
hassl-4524	133	13	(	(	PUNCT
hassl-4524	133	14	covid	covid	PROPN
hassl-4524	133	15	)	)	PUNCT
hassl-4524	133	16	that	that	PRON
hassl-4524	133	17	takes	take	VERB
hassl-4524	133	18	the	the	DET
hassl-4524	133	19	value	value	NOUN
hassl-4524	133	20	1	1	NUM
hassl-4524	133	21	for	for	ADP
hassl-4524	133	22	2020–2022	2020–2022	NUM
hassl-4524	133	23	and	and	CCONJ
hassl-4524	133	24	0	0	NUM
hassl-4524	133	25	otherwise	otherwise	ADV
hassl-4524	133	26	.	.	PUNCT
hassl-4524	134	1	to	to	PART
hassl-4524	134	2	estimate	estimate	VERB
hassl-4524	134	3	the	the	DET
hassl-4524	134	4	dynamic	dynamic	ADJ
hassl-4524	134	5	panel	panel	NOUN
hassl-4524	134	6	models	model	NOUN
hassl-4524	134	7	,	,	PUNCT
hassl-4524	134	8	this	this	DET
hassl-4524	134	9	study	study	NOUN
hassl-4524	134	10	applies	apply	VERB
hassl-4524	134	11	the	the	DET
hassl-4524	134	12	system	system	NOUN
hassl-4524	134	13	generalized	generalize	VERB
hassl-4524	134	14	method	method	NOUN
hassl-4524	134	15	of	of	ADP
hassl-4524	134	16	moments	moment	NOUN
hassl-4524	134	17	(	(	PUNCT
hassl-4524	134	18	gmm	gmm	NOUN
hassl-4524	134	19	)	)	PUNCT
hassl-4524	134	20	estimator	estimator	NOUN
hassl-4524	134	21	developed	develop	VERB
hassl-4524	134	22	by	by	ADP
hassl-4524	134	23	arellano	arellano	PROPN
hassl-4524	134	24	and	and	CCONJ
hassl-4524	134	25	bover	bover	ADP
hassl-4524	134	26	(	(	PUNCT
hassl-4524	134	27	1995	1995	NUM
hassl-4524	134	28	)	)	PUNCT
hassl-4524	134	29	and	and	CCONJ
hassl-4524	134	30	blundell	blundell	NOUN
hassl-4524	134	31	and	and	CCONJ
hassl-4524	134	32	bond	bond	NOUN
hassl-4524	134	33	(	(	PUNCT
hassl-4524	134	34	1998	1998	NUM
hassl-4524	134	35	)	)	PUNCT
hassl-4524	134	36	.	.	PUNCT
hassl-4524	135	1	this	this	DET
hassl-4524	135	2	approach	approach	NOUN
hassl-4524	135	3	is	be	AUX
hassl-4524	135	4	particularly	particularly	ADV
hassl-4524	135	5	suitable	suitable	ADJ
hassl-4524	135	6	for	for	ADP
hassl-4524	135	7	addressing	address	VERB
hassl-4524	135	8	the	the	DET
hassl-4524	135	9	empirical	empirical	ADJ
hassl-4524	135	10	challenges	challenge	NOUN
hassl-4524	135	11	posed	pose	VERB
hassl-4524	135	12	by	by	ADP
hassl-4524	135	13	the	the	DET
hassl-4524	135	14	research	research	NOUN
hassl-4524	135	15	design	design	NOUN
hassl-4524	135	16	,	,	PUNCT
hassl-4524	135	17	which	which	PRON
hassl-4524	135	18	includes	include	VERB
hassl-4524	135	19	a	a	DET
hassl-4524	135	20	relatively	relatively	ADV
hassl-4524	135	21	small	small	ADJ
hassl-4524	135	22	number	number	NOUN
hassl-4524	135	23	of	of	ADP
hassl-4524	135	24	banks	bank	NOUN
hassl-4524	135	25	(	(	PUNCT
hassl-4524	135	26	cross	cross	NOUN
hassl-4524	135	27	-	-	ADJ
hassl-4524	135	28	sections	section	NOUN
hassl-4524	135	29	)	)	PUNCT
hassl-4524	135	30	observed	observe	VERB
hassl-4524	135	31	over	over	ADP
hassl-4524	135	32	a	a	DET
hassl-4524	135	33	longer	long	ADJ
hassl-4524	135	34	time	time	NOUN
hassl-4524	135	35	period	period	NOUN
hassl-4524	135	36	.	.	PUNCT
hassl-4524	136	1	the	the	DET
hassl-4524	136	2	choice	choice	NOUN
hassl-4524	136	3	of	of	ADP
hassl-4524	136	4	system	system	NOUN
hassl-4524	136	5	gmm	gmm	PROPN
hassl-4524	136	6	is	be	AUX
hassl-4524	136	7	justified	justify	VERB
hassl-4524	136	8	by	by	ADP
hassl-4524	136	9	the	the	DET
hassl-4524	136	10	presence	presence	NOUN
hassl-4524	136	11	of	of	ADP
hassl-4524	136	12	a	a	DET
hassl-4524	136	13	dynamic	dynamic	ADJ
hassl-4524	136	14	dependent	dependent	ADJ
hassl-4524	136	15	variable	variable	NOUN
hassl-4524	136	16	,	,	PUNCT
hassl-4524	136	17	where	where	SCONJ
hassl-4524	136	18	past	past	ADP
hassl-4524	136	19	financial	financial	ADJ
hassl-4524	136	20	stability	stability	NOUN
hassl-4524	136	21	(	(	PUNCT
hassl-4524	136	22	z	z	NOUN
hassl-4524	136	23	-	-	PUNCT
hassl-4524	136	24	score	score	NOUN
hassl-4524	136	25	)	)	PUNCT
hassl-4524	136	26	may	may	AUX
hassl-4524	136	27	influence	influence	VERB
hassl-4524	136	28	current	current	ADJ
hassl-4524	136	29	stability	stability	NOUN
hassl-4524	136	30	.	.	PUNCT
hassl-4524	137	1	moreover	moreover	ADV
hassl-4524	137	2	,	,	PUNCT
hassl-4524	137	3	it	it	PRON
hassl-4524	137	4	addresses	address	VERB
hassl-4524	137	5	endogeneity	endogeneity	NOUN
hassl-4524	137	6	concerns	concern	NOUN
hassl-4524	137	7	that	that	PRON
hassl-4524	137	8	may	may	AUX
hassl-4524	137	9	arise	arise	VERB
hassl-4524	137	10	due	due	ADP
hassl-4524	137	11	to	to	PART
hassl-4524	137	12	reverse	reverse	VERB
hassl-4524	137	13	causality	causality	NOUN
hassl-4524	137	14	(	(	PUNCT
hassl-4524	137	15	e.g.	e.g.	ADV
hassl-4524	137	16	,	,	PUNCT
hassl-4524	137	17	more	more	ADV
hassl-4524	137	18	stable	stable	ADJ
hassl-4524	137	19	banks	bank	NOUN
hassl-4524	137	20	could	could	AUX
hassl-4524	137	21	be	be	AUX
hassl-4524	137	22	more	more	ADV
hassl-4524	137	23	inclined	inclined	ADJ
hassl-4524	137	24	to	to	PART
hassl-4524	137	25	adopt	adopt	VERB
hassl-4524	137	26	digital	digital	ADJ
hassl-4524	137	27	technologies	technology	NOUN
hassl-4524	137	28	or	or	CCONJ
hassl-4524	137	29	diversify	diversify	ADJ
hassl-4524	137	30	income	income	NOUN
hassl-4524	137	31	)	)	PUNCT
hassl-4524	137	32	,	,	PUNCT
hassl-4524	137	33	omitted	omit	VERB
hassl-4524	137	34	variable	variable	ADJ
hassl-4524	137	35	bias	bias	NOUN
hassl-4524	137	36	,	,	PUNCT
hassl-4524	137	37	and	and	CCONJ
hassl-4524	137	38	measurement	measurement	NOUN
hassl-4524	137	39	errors	error	NOUN
hassl-4524	137	40	.	.	PUNCT
hassl-4524	138	1	by	by	ADP
hassl-4524	138	2	employing	employ	VERB
hassl-4524	138	3	internal	internal	ADJ
hassl-4524	138	4	instruments	instrument	NOUN
hassl-4524	138	5	derived	derive	VERB
hassl-4524	138	6	from	from	ADP
hassl-4524	138	7	the	the	DET
hassl-4524	138	8	data	datum	NOUN
hassl-4524	138	9	itself	itself	PRON
hassl-4524	138	10	,	,	PUNCT
hassl-4524	138	11	system	system	NOUN
hassl-4524	138	12	gmm	gmm	NOUN
hassl-4524	138	13	controls	control	VERB
hassl-4524	138	14	for	for	ADP
hassl-4524	138	15	unobserved	unobserved	ADJ
hassl-4524	138	16	heterogeneity	heterogeneity	NOUN
hassl-4524	138	17	,	,	PUNCT
hassl-4524	138	18	autocorrelation	autocorrelation	NOUN
hassl-4524	138	19	,	,	PUNCT
hassl-4524	138	20	and	and	CCONJ
hassl-4524	138	21	simultaneity	simultaneity	NOUN
hassl-4524	138	22	,	,	PUNCT
hassl-4524	138	23	ensuring	ensure	VERB
hassl-4524	138	24	consistent	consistent	ADJ
hassl-4524	138	25	and	and	CCONJ
hassl-4524	138	26	efficient	efficient	ADJ
hassl-4524	138	27	parameter	parameter	NOUN
hassl-4524	138	28	estimates	estimate	NOUN
hassl-4524	138	29	.	.	PUNCT
hassl-4524	139	1	to	to	PART
hassl-4524	139	2	ensure	ensure	VERB
hassl-4524	139	3	the	the	DET
hassl-4524	139	4	reliability	reliability	NOUN
hassl-4524	139	5	of	of	ADP
hassl-4524	139	6	the	the	DET
hassl-4524	139	7	regression	regression	NOUN
hassl-4524	139	8	estimates	estimate	NOUN
hassl-4524	139	9	,	,	PUNCT
hassl-4524	139	10	a	a	DET
hassl-4524	139	11	correlation	correlation	NOUN
hassl-4524	139	12	matrix	matrix	NOUN
hassl-4524	139	13	is	be	AUX
hassl-4524	139	14	employed	employ	VERB
hassl-4524	139	15	to	to	PART
hassl-4524	139	16	assess	assess	VERB
hassl-4524	139	17	multicollinearity	multicollinearity	NOUN
hassl-4524	139	18	among	among	ADP
hassl-4524	139	19	the	the	DET
hassl-4524	139	20	explanatory	explanatory	ADJ
hassl-4524	139	21	variables	variable	NOUN
hassl-4524	139	22	.	.	PUNCT
hassl-4524	140	1	according	accord	VERB
hassl-4524	140	2	to	to	ADP
hassl-4524	140	3	kennedy	kennedy	PROPN
hassl-4524	140	4	(	(	PUNCT
hassl-4524	140	5	2008	2008	NUM
hassl-4524	140	6	)	)	PUNCT
hassl-4524	140	7	a	a	DET
hassl-4524	140	8	correlation	correlation	NOUN
hassl-4524	140	9	coefficient	coefficient	NOUN
hassl-4524	140	10	above	above	ADP
hassl-4524	140	11	0.80	0.80	NUM
hassl-4524	140	12	in	in	ADP
hassl-4524	140	13	absolute	absolute	ADJ
hassl-4524	140	14	value	value	NOUN
hassl-4524	140	15	signals	signal	VERB
hassl-4524	140	16	potential	potential	ADJ
hassl-4524	140	17	multicollinearity	multicollinearity	NOUN
hassl-4524	140	18	.	.	PUNCT
hassl-4524	141	1	the	the	DET
hassl-4524	141	2	results	result	NOUN
hassl-4524	141	3	in	in	ADP
hassl-4524	141	4	table	table	NOUN
hassl-4524	141	5	1	1	NUM
hassl-4524	141	6	indicate	indicate	VERB
hassl-4524	141	7	that	that	SCONJ
hassl-4524	141	8	all	all	DET
hassl-4524	141	9	pairwise	pairwise	NOUN
hassl-4524	141	10	correlations	correlation	NOUN
hassl-4524	141	11	fall	fall	VERB
hassl-4524	141	12	below	below	ADP
hassl-4524	141	13	this	this	DET
hassl-4524	141	14	threshold	threshold	NOUN
hassl-4524	141	15	,	,	PUNCT
hassl-4524	141	16	confirming	confirm	VERB
hassl-4524	141	17	that	that	SCONJ
hassl-4524	141	18	multicollinearity	multicollinearity	NOUN
hassl-4524	141	19	is	be	AUX
hassl-4524	141	20	not	not	PART
hassl-4524	141	21	a	a	DET
hassl-4524	141	22	significant	significant	ADJ
hassl-4524	141	23	issue	issue	NOUN
hassl-4524	141	24	in	in	ADP
hassl-4524	141	25	this	this	DET
hassl-4524	141	26	study	study	NOUN
hassl-4524	141	27	.	.	PUNCT
hassl-4524	142	1	table	table	NOUN
hassl-4524	142	2	1	1	NUM
hassl-4524	142	3	.	.	PUNCT
hassl-4524	142	4	correlation	correlation	NOUN
hassl-4524	142	5	matrix	matrix	NOUN
hassl-4524	142	6	.	.	PUNCT
hassl-4524	143	1	dt	dt	PUNCT
hassl-4524	144	1	div	div	PROPN
hassl-4524	144	2	llp	llp	PROPN
hassl-4524	144	3	eta	eta	PROPN
hassl-4524	144	4	lta	lta	PROPN
hassl-4524	144	5	covid	covid	PROPN
hassl-4524	144	6	gdp	gdp	PROPN
hassl-4524	144	7	dt	dt	PROPN
hassl-4524	144	8	1.000	1.000	NUM
hassl-4524	144	9	div	div	X
hassl-4524	144	10	0.327	0.327	NUM
hassl-4524	144	11	1.000	1.000	NUM
hassl-4524	144	12	llp	llp	NOUN
hassl-4524	144	13	0.098	0.098	NUM
hassl-4524	144	14	0.239	0.239	NUM
hassl-4524	144	15	1.000	1.000	NUM
hassl-4524	144	16	eta	eta	PROPN
hassl-4524	144	17	0.024	0.024	NUM
hassl-4524	144	18	0.153	0.153	NUM
hassl-4524	144	19	-0.011	-0.011	NUM
hassl-4524	144	20	1.000	1.000	NUM
hassl-4524	144	21	lta	lta	NOUN
hassl-4524	144	22	0.195	0.195	NUM
hassl-4524	144	23	0.203	0.203	NUM
hassl-4524	144	24	0.119	0.119	NUM
hassl-4524	144	25	0.008	0.008	NUM
hassl-4524	144	26	1.000	1.000	NUM
hassl-4524	144	27	covid	covid	NOUN
hassl-4524	144	28	0.203	0.203	NUM
hassl-4524	144	29	0.237	0.237	NUM
hassl-4524	144	30	0.038	0.038	NUM
hassl-4524	144	31	-0.075	-0.075	NUM
hassl-4524	144	32	0.268	0.268	NUM
hassl-4524	144	33	1.000	1.000	NUM
hassl-4524	144	34	gdp	gdp	NOUN
hassl-4524	144	35	-0.122	-0.122	PUNCT
hassl-4524	144	36	-0.114	-0.114	X
hassl-4524	144	37	-0.091	-0.091	NUM
hassl-4524	144	38	-0.037	-0.037	X
hassl-4524	144	39	-0.064	-0.064	NOUN
hassl-4524	144	40	-0.581	-0.581	PUNCT
hassl-4524	144	41	1.000	1.000	NUM
hassl-4524	144	42	4	4	NUM
hassl-4524	144	43	.	.	PUNCT
hassl-4524	144	44	results	result	VERB
hassl-4524	144	45	4.1	4.1	NUM
hassl-4524	144	46	.	.	PUNCT
hassl-4524	145	1	descriptive	descriptive	ADJ
hassl-4524	145	2	statistics	statistic	NOUN
hassl-4524	145	3	table	table	NOUN
hassl-4524	145	4	2	2	NUM
hassl-4524	145	5	presents	present	VERB
hassl-4524	145	6	the	the	DET
hassl-4524	145	7	descriptive	descriptive	ADJ
hassl-4524	145	8	statistics	statistic	NOUN
hassl-4524	145	9	for	for	ADP
hassl-4524	145	10	the	the	DET
hassl-4524	145	11	variables	variable	NOUN
hassl-4524	145	12	used	use	VERB
hassl-4524	145	13	in	in	ADP
hassl-4524	145	14	this	this	DET
hassl-4524	145	15	study	study	NOUN
hassl-4524	145	16	.	.	PUNCT
hassl-4524	146	1	the	the	DET
hassl-4524	146	2	z	z	NOUN
hassl-4524	146	3	-	-	PUNCT
hassl-4524	146	4	score	score	NOUN
hassl-4524	146	5	,	,	PUNCT
hassl-4524	146	6	which	which	PRON
hassl-4524	146	7	measures	measure	VERB
hassl-4524	146	8	financial	financial	ADJ
hassl-4524	146	9	stability	stability	NOUN
hassl-4524	146	10	,	,	PUNCT
hassl-4524	146	11	has	have	VERB
hassl-4524	146	12	an	an	DET
hassl-4524	146	13	average	average	ADJ
hassl-4524	146	14	value	value	NOUN
hassl-4524	146	15	of	of	ADP
hassl-4524	146	16	2.071	2.071	NUM
hassl-4524	146	17	with	with	ADP
hassl-4524	146	18	a	a	DET
hassl-4524	146	19	standard	standard	ADJ
hassl-4524	146	20	deviation	deviation	NOUN
hassl-4524	146	21	of	of	ADP
hassl-4524	146	22	1.511	1.511	NUM
hassl-4524	146	23	,	,	PUNCT
hassl-4524	146	24	reflecting	reflect	VERB
hassl-4524	146	25	substantial	substantial	ADJ
hassl-4524	146	26	variation	variation	NOUN
hassl-4524	146	27	in	in	ADP
hassl-4524	146	28	bank	bank	NOUN
hassl-4524	146	29	stability	stability	NOUN
hassl-4524	146	30	across	across	ADP
hassl-4524	146	31	institutions	institution	NOUN
hassl-4524	146	32	and	and	CCONJ
hassl-4524	146	33	over	over	ADP
hassl-4524	146	34	time	time	NOUN
hassl-4524	146	35	.	.	PUNCT
hassl-4524	147	1	the	the	DET
hassl-4524	147	2	digital	digital	ADJ
hassl-4524	147	3	transformation	transformation	NOUN
hassl-4524	147	4	index	index	NOUN
hassl-4524	147	5	(	(	PUNCT
hassl-4524	147	6	dt	dt	PROPN
hassl-4524	147	7	)	)	PUNCT
hassl-4524	147	8	has	have	VERB
hassl-4524	147	9	an	an	DET
hassl-4524	147	10	average	average	ADJ
hassl-4524	147	11	value	value	NOUN
hassl-4524	147	12	of	of	ADP
hassl-4524	147	13	4.563	4.563	NUM
hassl-4524	147	14	,	,	PUNCT
hassl-4524	147	15	with	with	ADP
hassl-4524	147	16	a	a	DET
hassl-4524	147	17	standard	standard	ADJ
hassl-4524	147	18	deviation	deviation	NOUN
hassl-4524	147	19	of	of	ADP
hassl-4524	147	20	0.832	0.832	NUM
hassl-4524	147	21	,	,	PUNCT
hassl-4524	147	22	indicating	indicate	VERB
hassl-4524	147	23	that	that	SCONJ
hassl-4524	147	24	banks	bank	NOUN
hassl-4524	147	25	vary	vary	VERB
hassl-4524	147	26	considerably	considerably	ADV
hassl-4524	147	27	in	in	ADP
hassl-4524	147	28	their	their	PRON
hassl-4524	147	29	level	level	NOUN
hassl-4524	147	30	of	of	ADP
hassl-4524	147	31	digital	digital	ADJ
hassl-4524	147	32	adoption	adoption	NOUN
hassl-4524	147	33	.	.	PUNCT
hassl-4524	148	1	similarly	similarly	ADV
hassl-4524	148	2	,	,	PUNCT
hassl-4524	148	3	income	income	NOUN
hassl-4524	148	4	diversification	diversification	NOUN
hassl-4524	148	5	(	(	PUNCT
hassl-4524	148	6	div	div	NOUN
hassl-4524	148	7	)	)	PUNCT
hassl-4524	148	8	has	have	VERB
hassl-4524	148	9	an	an	DET
hassl-4524	148	10	average	average	NOUN
hassl-4524	148	11	of	of	ADP
hassl-4524	148	12	0.137	0.137	NUM
hassl-4524	148	13	,	,	PUNCT
hassl-4524	148	14	with	with	ADP
hassl-4524	148	15	values	value	NOUN
hassl-4524	148	16	ranging	range	VERB
hassl-4524	148	17	from	from	ADP
hassl-4524	148	18	0.004	0.004	NUM
hassl-4524	148	19	to	to	ADP
hassl-4524	148	20	0.455	0.455	NUM
hassl-4524	148	21	,	,	PUNCT
hassl-4524	148	22	indicating	indicate	VERB
hassl-4524	148	23	that	that	SCONJ
hassl-4524	148	24	while	while	SCONJ
hassl-4524	148	25	some	some	DET
hassl-4524	148	26	banks	bank	NOUN
hassl-4524	148	27	have	have	AUX
hassl-4524	148	28	expanded	expand	VERB
hassl-4524	148	29	their	their	PRON
hassl-4524	148	30	revenue	revenue	NOUN
hassl-4524	148	31	streams	stream	NOUN
hassl-4524	148	32	beyond	beyond	ADP
hassl-4524	148	33	interest	interest	NOUN
hassl-4524	148	34	income	income	NOUN
hassl-4524	148	35	,	,	PUNCT
hassl-4524	148	36	others	other	NOUN
hassl-4524	148	37	remain	remain	VERB
hassl-4524	148	38	highly	highly	ADV
hassl-4524	148	39	reliant	reliant	ADJ
hassl-4524	148	40	on	on	ADP
hassl-4524	148	41	traditional	traditional	ADJ
hassl-4524	148	42	lending	lending	NOUN
hassl-4524	148	43	activities	activity	NOUN
hassl-4524	148	44	.	.	PUNCT
hassl-4524	149	1	examining	examine	VERB
hassl-4524	149	2	the	the	DET
hassl-4524	149	3	components	component	NOUN
hassl-4524	149	4	of	of	ADP
hassl-4524	149	5	digital	digital	ADJ
hassl-4524	149	6	transformation	transformation	NOUN
hassl-4524	149	7	,	,	PUNCT
hassl-4524	149	8	the	the	DET
hassl-4524	149	9	highest	high	ADJ
hassl-4524	149	10	average	average	ADJ
hassl-4524	149	11	score	score	NOUN
hassl-4524	149	12	is	be	AUX
hassl-4524	149	13	observed	observe	VERB
hassl-4524	149	14	in	in	ADP
hassl-4524	149	15	atm	atm	ADJ
hassl-4524	149	16	and	and	CCONJ
hassl-4524	149	17	payment	payment	NOUN
hassl-4524	149	18	services	service	NOUN
hassl-4524	149	19	(	(	PUNCT
hassl-4524	149	20	2.630	2.630	NUM
hassl-4524	149	21	)	)	PUNCT
hassl-4524	149	22	,	,	PUNCT
hassl-4524	149	23	followed	follow	VERB
hassl-4524	149	24	by	by	ADP
hassl-4524	149	25	mobile	mobile	ADJ
hassl-4524	149	26	banking	banking	NOUN
hassl-4524	149	27	(	(	PUNCT
hassl-4524	149	28	2.327	2.327	NUM
hassl-4524	149	29	)	)	PUNCT
hassl-4524	149	30	and	and	CCONJ
hassl-4524	149	31	internet	internet	NOUN
hassl-4524	149	32	banking	banking	NOUN
hassl-4524	149	33	(	(	PUNCT
hassl-4524	149	34	2.214	2.214	NUM
hassl-4524	149	35	)	)	PUNCT
hassl-4524	149	36	,	,	PUNCT
hassl-4524	149	37	suggesting	suggest	VERB
hassl-4524	149	38	that	that	SCONJ
hassl-4524	149	39	these	these	DET
hassl-4524	149	40	areas	area	NOUN
hassl-4524	149	41	receive	receive	VERB
hassl-4524	149	42	the	the	DET
hassl-4524	149	43	most	most	ADJ
hassl-4524	149	44	attention	attention	NOUN
hassl-4524	149	45	from	from	ADP
hassl-4524	149	46	banks	bank	NOUN
hassl-4524	149	47	.	.	PUNCT
hassl-4524	150	1	this	this	PRON
hassl-4524	150	2	indicates	indicate	VERB
hassl-4524	150	3	that	that	SCONJ
hassl-4524	150	4	banks	bank	NOUN
hassl-4524	150	5	prioritize	prioritize	VERB
hassl-4524	150	6	these	these	DET
hassl-4524	150	7	aspects	aspect	NOUN
hassl-4524	150	8	in	in	ADP
hassl-4524	150	9	their	their	PRON
hassl-4524	150	10	digital	digital	ADJ
hassl-4524	150	11	transformation	transformation	NOUN
hassl-4524	150	12	narratives	narrative	NOUN
hassl-4524	150	13	.	.	PUNCT
hassl-4524	151	1	in	in	ADP
hassl-4524	151	2	contrast	contrast	NOUN
hassl-4524	151	3	,	,	PUNCT
hassl-4524	151	4	fintech	fintech	NOUN
hassl-4524	151	5	adoption	adoption	NOUN
hassl-4524	151	6	(	(	PUNCT
hassl-4524	151	7	0.419	0.419	NUM
hassl-4524	151	8	)	)	PUNCT
hassl-4524	151	9	and	and	CCONJ
hassl-4524	151	10	analytics	analytic	NOUN
hassl-4524	151	11	/	/	SYM
hassl-4524	151	12	machine	machine	NOUN
hassl-4524	151	13	learning	learn	VERB
hassl-4524	151	14	implementation	implementation	NOUN
hassl-4524	151	15	(	(	PUNCT
hassl-4524	151	16	0.449	0.449	NUM
hassl-4524	151	17	)	)	PUNCT
hassl-4524	151	18	have	have	VERB
hassl-4524	151	19	relatively	relatively	ADV
hassl-4524	151	20	low	low	ADJ
hassl-4524	151	21	scores	score	NOUN
hassl-4524	151	22	,	,	PUNCT
hassl-4524	151	23	implying	imply	VERB
hassl-4524	151	24	that	that	SCONJ
hassl-4524	151	25	discussions	discussion	NOUN
hassl-4524	151	26	on	on	ADP
hassl-4524	151	27	advanced	advanced	ADJ
hassl-4524	151	28	financial	financial	ADJ
hassl-4524	151	29	technologies	technology	NOUN
hassl-4524	151	30	remain	remain	VERB
hassl-4524	151	31	limited	limited	ADJ
hassl-4524	151	32	.	.	PUNCT
hassl-4524	152	1	notably	notably	ADV
hassl-4524	152	2	,	,	PUNCT
hassl-4524	152	3	cyber	cyber	ADJ
hassl-4524	152	4	risk	risk	NOUN
hassl-4524	152	5	has	have	VERB
hassl-4524	152	6	a	a	DET
hassl-4524	152	7	standard	standard	ADJ
hassl-4524	152	8	deviation	deviation	NOUN
hassl-4524	152	9	of	of	ADP
hassl-4524	152	10	0.916	0.916	NUM
hassl-4524	152	11	,	,	PUNCT
hassl-4524	152	12	reflecting	reflect	VERB
hassl-4524	152	13	significant	significant	ADJ
hassl-4524	152	14	variation	variation	NOUN
hassl-4524	152	15	in	in	ADP
hassl-4524	152	16	how	how	SCONJ
hassl-4524	152	17	banks	bank	NOUN
hassl-4524	152	18	address	address	VERB
hassl-4524	152	19	cybersecurity	cybersecurity	NOUN
hassl-4524	152	20	concerns	concern	NOUN
hassl-4524	152	21	in	in	ADP
hassl-4524	152	22	their	their	PRON
hassl-4524	152	23	disclosures	disclosure	NOUN
hassl-4524	152	24	.	.	PUNCT
hassl-4524	153	1	humanities	humanity	NOUN
hassl-4524	153	2	and	and	CCONJ
hassl-4524	153	3	social	social	ADJ
hassl-4524	153	4	sciences	science	NOUN
hassl-4524	153	5	letters	letter	NOUN
hassl-4524	153	6	,	,	PUNCT
hassl-4524	153	7	2025	2025	NUM
hassl-4524	153	8	,	,	PUNCT
hassl-4524	153	9	13(4	13(4	NUM
hassl-4524	153	10	):	):	PUNCT
hassl-4524	153	11	1508	1508	NUM
hassl-4524	153	12	-	-	SYM
hassl-4524	153	13	1519	1519	NUM
hassl-4524	153	14	1514	1514	NUM
hassl-4524	153	15	©	©	PROPN
hassl-4524	153	16	2025	2025	NUM
hassl-4524	153	17	conscientia	conscientia	PROPN
hassl-4524	153	18	beam	beam	PROPN
hassl-4524	153	19	.	.	PUNCT
hassl-4524	154	1	all	all	DET
hassl-4524	154	2	rights	right	NOUN
hassl-4524	154	3	reserved	reserve	VERB
hassl-4524	154	4	.	.	PUNCT
hassl-4524	155	1	table	table	NOUN
hassl-4524	155	2	2	2	NUM
hassl-4524	155	3	.	.	PUNCT
hassl-4524	155	4	descriptive	descriptive	ADJ
hassl-4524	155	5	statistics	statistic	NOUN
hassl-4524	155	6	.	.	PUNCT
hassl-4524	156	1	variables	variable	NOUN
hassl-4524	156	2	obs	obs	PROPN
hassl-4524	156	3	.	.	PUNCT
hassl-4524	157	1	mean	mean	VERB
hassl-4524	157	2	std	std	PROPN
hassl-4524	157	3	.	.	PROPN
hassl-4524	157	4	dev	dev	PROPN
hassl-4524	157	5	min	min	PROPN
hassl-4524	157	6	.	.	PROPN
hassl-4524	157	7	max	max	PROPN
hassl-4524	157	8	.	.	PUNCT
hassl-4524	158	1	dependent	dependent	ADJ
hassl-4524	158	2	variable	variable	ADJ
hassl-4524	158	3	z	z	NOUN
hassl-4524	158	4	-	-	PUNCT
hassl-4524	158	5	score	score	VERB
hassl-4524	158	6	308	308	NUM
hassl-4524	158	7	2.071	2.071	NUM
hassl-4524	158	8	1.511	1.511	NUM
hassl-4524	158	9	0.033	0.033	NUM
hassl-4524	158	10	6.923	6.923	NUM
hassl-4524	158	11	main	main	ADJ
hassl-4524	158	12	independent	independent	ADJ
hassl-4524	158	13	variables	variable	NOUN
hassl-4524	158	14	dt	dt	PUNCT
hassl-4524	158	15	308	308	NUM
hassl-4524	158	16	4.563	4.563	NUM
hassl-4524	158	17	0.832	0.832	NUM
hassl-4524	158	18	1.485	1.485	NUM
hassl-4524	158	19	6.446	6.446	NUM
hassl-4524	158	20	div	div	NOUN
hassl-4524	158	21	308	308	NUM
hassl-4524	158	22	0.137	0.137	NUM
hassl-4524	158	23	0.082	0.082	NUM
hassl-4524	158	24	0.004	0.004	NUM
hassl-4524	158	25	0.456	0.456	NUM
hassl-4524	158	26	sub	sub	ADJ
hassl-4524	158	27	-	-	ADJ
hassl-4524	158	28	independent	independent	ADJ
hassl-4524	158	29	variables	variable	NOUN
hassl-4524	158	30	infrastructure	infrastructure	VERB
hassl-4524	158	31	308	308	NUM
hassl-4524	158	32	1.690	1.690	NUM
hassl-4524	158	33	1.092	1.092	NUM
hassl-4524	158	34	0.000	0.000	NUM
hassl-4524	158	35	3.968	3.968	NUM
hassl-4524	158	36	atm	atm	NOUN
hassl-4524	158	37	and	and	CCONJ
hassl-4524	158	38	payment	payment	NOUN
hassl-4524	158	39	308	308	NUM
hassl-4524	158	40	2.630	2.630	NUM
hassl-4524	158	41	0.950	0.950	NUM
hassl-4524	158	42	0.000	0.000	NUM
hassl-4524	158	43	4.645	4.645	NUM
hassl-4524	158	44	internet	internet	NOUN
hassl-4524	158	45	banking	banking	NOUN
hassl-4524	158	46	308	308	NUM
hassl-4524	158	47	2.214	2.214	NUM
hassl-4524	158	48	1.064	1.064	NUM
hassl-4524	158	49	0.000	0.000	NUM
hassl-4524	158	50	4.853	4.853	NUM
hassl-4524	158	51	mobile	mobile	ADJ
hassl-4524	158	52	banking	banking	NOUN
hassl-4524	158	53	308	308	NUM
hassl-4524	158	54	2.327	2.327	NUM
hassl-4524	158	55	1.340	1.340	NUM
hassl-4524	158	56	0.000	0.000	NUM
hassl-4524	158	57	5.830	5.830	NUM
hassl-4524	158	58	cyber	cyber	NOUN
hassl-4524	158	59	risk	risk	NOUN
hassl-4524	158	60	308	308	NUM
hassl-4524	158	61	0.916	0.916	NUM
hassl-4524	158	62	0.975	0.975	NUM
hassl-4524	158	63	0.000	0.000	NUM
hassl-4524	158	64	3.775	3.775	NUM
hassl-4524	158	65	analytics	analytic	NOUN
hassl-4524	158	66	and	and	CCONJ
hassl-4524	158	67	machine	machine	NOUN
hassl-4524	158	68	learning	learn	VERB
hassl-4524	158	69	308	308	NUM
hassl-4524	158	70	0.449	0.449	NUM
hassl-4524	158	71	0.850	0.850	NUM
hassl-4524	158	72	0.000	0.000	NUM
hassl-4524	158	73	3.201	3.201	NUM
hassl-4524	158	74	fintech	fintech	NOUN
hassl-4524	158	75	308	308	NUM
hassl-4524	158	76	0.419	0.419	NUM
hassl-4524	158	77	0.740	0.740	NUM
hassl-4524	158	78	0.000	0.000	NUM
hassl-4524	158	79	3.218	3.218	NUM
hassl-4524	158	80	control	control	NOUN
hassl-4524	158	81	variables	variable	NOUN
hassl-4524	158	82	llp	llp	PROPN
hassl-4524	158	83	308	308	NUM
hassl-4524	158	84	0.014	0.014	NUM
hassl-4524	158	85	0.005	0.005	NUM
hassl-4524	158	86	0.007	0.007	NUM
hassl-4524	158	87	0.036	0.036	NUM
hassl-4524	159	1	eta	eta	PRON
hassl-4524	159	2	308	308	NUM
hassl-4524	159	3	0.110	0.110	NUM
hassl-4524	159	4	0.062	0.062	NUM
hassl-4524	159	5	0.007	0.007	NUM
hassl-4524	159	6	0.455	0.455	NUM
hassl-4524	159	7	lta	lta	NOUN
hassl-4524	159	8	308	308	NUM
hassl-4524	159	9	0.247	0.247	NUM
hassl-4524	159	10	0.104	0.104	NUM
hassl-4524	159	11	0.067	0.067	NUM
hassl-4524	159	12	0.611	0.611	NUM
hassl-4524	159	13	gdp	gdp	NOUN
hassl-4524	159	14	308	308	NUM
hassl-4524	159	15	5.824	5.824	NUM
hassl-4524	159	16	1.505	1.505	NUM
hassl-4524	159	17	2.560	2.560	NUM
hassl-4524	159	18	8.120	8.120	NUM
hassl-4524	159	19	covid	covid	NOUN
hassl-4524	159	20	308	308	NUM
hassl-4524	159	21	0.214	0.214	NUM
hassl-4524	159	22	0.411	0.411	NUM
hassl-4524	159	23	0.000	0.000	NUM
hassl-4524	159	24	1.000	1.000	NUM
hassl-4524	159	25	4.2	4.2	NUM
hassl-4524	159	26	.	.	PUNCT
hassl-4524	160	1	results	result	NOUN
hassl-4524	160	2	table	table	VERB
hassl-4524	160	3	3	3	NUM
hassl-4524	160	4	presents	present	VERB
hassl-4524	160	5	the	the	DET
hassl-4524	160	6	regression	regression	NOUN
hassl-4524	160	7	results	result	NOUN
hassl-4524	160	8	from	from	ADP
hassl-4524	160	9	three	three	NUM
hassl-4524	160	10	baseline	baseline	NOUN
hassl-4524	160	11	models	model	NOUN
hassl-4524	160	12	using	use	VERB
hassl-4524	160	13	the	the	DET
hassl-4524	160	14	gmm	gmm	PROPN
hassl-4524	160	15	estimator	estimator	NOUN
hassl-4524	160	16	.	.	PUNCT
hassl-4524	161	1	model	model	NOUN
hassl-4524	161	2	(	(	PUNCT
hassl-4524	161	3	1	1	X
hassl-4524	161	4	)	)	PUNCT
hassl-4524	161	5	examines	examine	VERB
hassl-4524	161	6	the	the	DET
hassl-4524	161	7	direct	direct	ADJ
hassl-4524	161	8	impact	impact	NOUN
hassl-4524	161	9	of	of	ADP
hassl-4524	161	10	digital	digital	ADJ
hassl-4524	161	11	transformation	transformation	NOUN
hassl-4524	161	12	(	(	PUNCT
hassl-4524	161	13	dt	dt	NOUN
hassl-4524	161	14	)	)	PUNCT
hassl-4524	161	15	on	on	ADP
hassl-4524	161	16	bank	bank	NOUN
hassl-4524	161	17	stability	stability	NOUN
hassl-4524	161	18	.	.	PUNCT
hassl-4524	162	1	model	model	NOUN
hassl-4524	162	2	(	(	PUNCT
hassl-4524	162	3	2	2	X
hassl-4524	162	4	)	)	PUNCT
hassl-4524	162	5	evaluates	evaluate	VERB
hassl-4524	162	6	the	the	DET
hassl-4524	162	7	effect	effect	NOUN
hassl-4524	162	8	of	of	ADP
hassl-4524	162	9	income	income	NOUN
hassl-4524	162	10	diversification	diversification	NOUN
hassl-4524	162	11	(	(	PUNCT
hassl-4524	162	12	div	div	PROPN
hassl-4524	162	13	)	)	PUNCT
hassl-4524	162	14	,	,	PUNCT
hassl-4524	162	15	and	and	CCONJ
hassl-4524	162	16	model	model	NOUN
hassl-4524	162	17	(	(	PUNCT
hassl-4524	162	18	3	3	NUM
hassl-4524	162	19	)	)	PUNCT
hassl-4524	162	20	incorporates	incorporate	VERB
hassl-4524	162	21	the	the	DET
hassl-4524	162	22	interaction	interaction	NOUN
hassl-4524	162	23	term	term	NOUN
hassl-4524	162	24	(	(	PUNCT
hassl-4524	162	25	dt*div	dt*div	NOUN
hassl-4524	162	26	)	)	PUNCT
hassl-4524	162	27	to	to	PART
hassl-4524	162	28	assess	assess	VERB
hassl-4524	162	29	the	the	DET
hassl-4524	162	30	mediating	mediate	VERB
hassl-4524	162	31	role	role	NOUN
hassl-4524	162	32	of	of	ADP
hassl-4524	162	33	diversification	diversification	NOUN
hassl-4524	162	34	in	in	ADP
hassl-4524	162	35	the	the	DET
hassl-4524	162	36	dt	dt	PROPN
hassl-4524	162	37	-	-	PUNCT
hassl-4524	162	38	stability	stability	NOUN
hassl-4524	162	39	relationship	relationship	NOUN
hassl-4524	162	40	.	.	PUNCT
hassl-4524	163	1	the	the	DET
hassl-4524	163	2	findings	finding	NOUN
hassl-4524	163	3	provide	provide	VERB
hassl-4524	163	4	empirical	empirical	ADJ
hassl-4524	163	5	support	support	NOUN
hassl-4524	163	6	for	for	ADP
hassl-4524	163	7	the	the	DET
hassl-4524	163	8	hypothesis	hypothesis	NOUN
hassl-4524	163	9	𝐻1	𝐻1	NOUN
hassl-4524	163	10	,	,	PUNCT
hassl-4524	163	11	as	as	SCONJ
hassl-4524	163	12	the	the	DET
hassl-4524	163	13	coefficient	coefficient	NOUN
hassl-4524	163	14	of	of	ADP
hassl-4524	163	15	dt	dt	PROPN
hassl-4524	163	16	is	be	AUX
hassl-4524	163	17	0.175	0.175	NUM
hassl-4524	163	18	and	and	CCONJ
hassl-4524	163	19	statistically	statistically	ADV
hassl-4524	163	20	significant	significant	ADJ
hassl-4524	163	21	at	at	ADP
hassl-4524	163	22	the	the	DET
hassl-4524	163	23	5	5	NUM
hassl-4524	163	24	%	%	NOUN
hassl-4524	163	25	level	level	NOUN
hassl-4524	163	26	.	.	PUNCT
hassl-4524	164	1	this	this	PRON
hassl-4524	164	2	suggests	suggest	VERB
hassl-4524	164	3	that	that	SCONJ
hassl-4524	164	4	digital	digital	ADJ
hassl-4524	164	5	transformation	transformation	NOUN
hassl-4524	164	6	enhances	enhance	VERB
hassl-4524	164	7	financial	financial	ADJ
hassl-4524	164	8	stability	stability	NOUN
hassl-4524	164	9	,	,	PUNCT
hassl-4524	164	10	potentially	potentially	ADV
hassl-4524	164	11	by	by	ADP
hassl-4524	164	12	improving	improve	VERB
hassl-4524	164	13	operational	operational	ADJ
hassl-4524	164	14	efficiency	efficiency	NOUN
hassl-4524	164	15	,	,	PUNCT
hassl-4524	164	16	strengthening	strengthen	VERB
hassl-4524	164	17	risk	risk	NOUN
hassl-4524	164	18	management	management	NOUN
hassl-4524	164	19	,	,	PUNCT
hassl-4524	164	20	and	and	CCONJ
hassl-4524	164	21	expanding	expand	VERB
hassl-4524	164	22	revenue	revenue	NOUN
hassl-4524	164	23	opportunities	opportunity	NOUN
hassl-4524	164	24	.	.	PUNCT
hassl-4524	165	1	regarding	regard	VERB
hassl-4524	165	2	hypothesis	hypothesis	NOUN
hassl-4524	165	3	𝐻2	𝐻2	PROPN
hassl-4524	165	4	,	,	PUNCT
hassl-4524	165	5	the	the	DET
hassl-4524	165	6	coefficient	coefficient	NOUN
hassl-4524	165	7	of	of	ADP
hassl-4524	165	8	div	div	PROPN
hassl-4524	165	9	is	be	AUX
hassl-4524	165	10	0.059	0.059	NUM
hassl-4524	165	11	,	,	PUNCT
hassl-4524	165	12	significant	significant	ADJ
hassl-4524	165	13	at	at	ADP
hassl-4524	165	14	the	the	DET
hassl-4524	165	15	1	1	NUM
hassl-4524	165	16	%	%	NOUN
hassl-4524	165	17	level	level	NOUN
hassl-4524	165	18	,	,	PUNCT
hassl-4524	165	19	indicating	indicate	VERB
hassl-4524	165	20	a	a	DET
hassl-4524	165	21	positive	positive	ADJ
hassl-4524	165	22	relationship	relationship	NOUN
hassl-4524	165	23	between	between	ADP
hassl-4524	165	24	income	income	NOUN
hassl-4524	165	25	diversification	diversification	NOUN
hassl-4524	165	26	and	and	CCONJ
hassl-4524	165	27	bank	bank	NOUN
hassl-4524	165	28	stability	stability	NOUN
hassl-4524	165	29	.	.	PUNCT
hassl-4524	166	1	this	this	PRON
hassl-4524	166	2	suggests	suggest	VERB
hassl-4524	166	3	that	that	SCONJ
hassl-4524	166	4	banks	bank	NOUN
hassl-4524	166	5	with	with	ADP
hassl-4524	166	6	a	a	DET
hassl-4524	166	7	more	more	ADV
hassl-4524	166	8	diversified	diversified	ADJ
hassl-4524	166	9	income	income	NOUN
hassl-4524	166	10	structure	structure	NOUN
hassl-4524	166	11	experience	experience	NOUN
hassl-4524	166	12	lower	low	ADJ
hassl-4524	166	13	earnings	earning	NOUN
hassl-4524	166	14	volatility	volatility	NOUN
hassl-4524	166	15	and	and	CCONJ
hassl-4524	166	16	greater	great	ADJ
hassl-4524	166	17	financial	financial	ADJ
hassl-4524	166	18	resilience	resilience	NOUN
hassl-4524	166	19	.	.	PUNCT
hassl-4524	167	1	the	the	DET
hassl-4524	167	2	interaction	interaction	NOUN
hassl-4524	167	3	term	term	NOUN
hassl-4524	167	4	dt*div	dt*div	VERB
hassl-4524	167	5	in	in	ADP
hassl-4524	167	6	model	model	NOUN
hassl-4524	167	7	(	(	PUNCT
hassl-4524	167	8	3	3	X
hassl-4524	167	9	)	)	PUNCT
hassl-4524	167	10	has	have	VERB
hassl-4524	167	11	a	a	DET
hassl-4524	167	12	positive	positive	ADJ
hassl-4524	167	13	coefficient	coefficient	NOUN
hassl-4524	167	14	of	of	ADP
hassl-4524	167	15	0.009	0.009	NUM
hassl-4524	167	16	and	and	CCONJ
hassl-4524	167	17	is	be	AUX
hassl-4524	167	18	statistically	statistically	ADV
hassl-4524	167	19	significant	significant	ADJ
hassl-4524	167	20	at	at	ADP
hassl-4524	167	21	the	the	DET
hassl-4524	167	22	5	5	NUM
hassl-4524	167	23	%	%	NOUN
hassl-4524	167	24	level	level	NOUN
hassl-4524	167	25	,	,	PUNCT
hassl-4524	167	26	supporting	support	VERB
hassl-4524	167	27	the	the	DET
hassl-4524	167	28	hypothesis	hypothesis	NOUN
hassl-4524	167	29	𝐻3	𝐻3	NOUN
hassl-4524	167	30	.	.	PUNCT
hassl-4524	168	1	this	this	PRON
hassl-4524	168	2	implies	imply	VERB
hassl-4524	168	3	that	that	SCONJ
hassl-4524	168	4	income	income	NOUN
hassl-4524	168	5	diversification	diversification	NOUN
hassl-4524	168	6	strengthens	strengthen	VERB
hassl-4524	168	7	the	the	DET
hassl-4524	168	8	stabilizing	stabilize	VERB
hassl-4524	168	9	effect	effect	NOUN
hassl-4524	168	10	of	of	ADP
hassl-4524	168	11	digital	digital	ADJ
hassl-4524	168	12	transformation	transformation	NOUN
hassl-4524	168	13	.	.	PUNCT
hassl-4524	169	1	banks	bank	NOUN
hassl-4524	169	2	that	that	PRON
hassl-4524	169	3	effectively	effectively	ADV
hassl-4524	169	4	diversify	diversify	VERB
hassl-4524	169	5	their	their	PRON
hassl-4524	169	6	revenue	revenue	NOUN
hassl-4524	169	7	streams	stream	NOUN
hassl-4524	169	8	benefit	benefit	VERB
hassl-4524	169	9	more	more	ADV
hassl-4524	169	10	from	from	ADP
hassl-4524	169	11	technological	technological	ADJ
hassl-4524	169	12	advancements	advancement	NOUN
hassl-4524	169	13	,	,	PUNCT
hassl-4524	169	14	mitigating	mitigate	VERB
hassl-4524	169	15	risks	risk	NOUN
hassl-4524	169	16	associated	associate	VERB
hassl-4524	169	17	with	with	ADP
hassl-4524	169	18	over	over	ADP
hassl-4524	169	19	-	-	PUNCT
hassl-4524	169	20	reliance	reliance	NOUN
hassl-4524	169	21	on	on	ADP
hassl-4524	169	22	traditional	traditional	ADJ
hassl-4524	169	23	interest	interest	NOUN
hassl-4524	169	24	income	income	NOUN
hassl-4524	169	25	.	.	PUNCT
hassl-4524	170	1	among	among	ADP
hassl-4524	170	2	the	the	DET
hassl-4524	170	3	bank	bank	NOUN
hassl-4524	170	4	-	-	PUNCT
hassl-4524	170	5	specific	specific	ADJ
hassl-4524	170	6	control	control	NOUN
hassl-4524	170	7	variables	variable	NOUN
hassl-4524	170	8	,	,	PUNCT
hassl-4524	170	9	lta	lta	PROPN
hassl-4524	170	10	consistently	consistently	ADV
hassl-4524	170	11	exhibits	exhibit	VERB
hassl-4524	170	12	a	a	DET
hassl-4524	170	13	positive	positive	ADJ
hassl-4524	170	14	effect	effect	NOUN
hassl-4524	170	15	on	on	ADP
hassl-4524	170	16	stability	stability	NOUN
hassl-4524	170	17	across	across	ADP
hassl-4524	170	18	all	all	DET
hassl-4524	170	19	models	model	NOUN
hassl-4524	170	20	,	,	PUNCT
hassl-4524	170	21	with	with	ADP
hassl-4524	170	22	coefficients	coefficient	NOUN
hassl-4524	170	23	ranging	range	VERB
hassl-4524	170	24	from	from	ADP
hassl-4524	170	25	0.016	0.016	NUM
hassl-4524	170	26	to	to	ADP
hassl-4524	170	27	0.026	0.026	NUM
hassl-4524	170	28	,	,	PUNCT
hassl-4524	170	29	significant	significant	ADJ
hassl-4524	170	30	at	at	ADP
hassl-4524	170	31	the	the	DET
hassl-4524	170	32	1	1	NUM
hassl-4524	170	33	%	%	NOUN
hassl-4524	170	34	to	to	PART
hassl-4524	170	35	5	5	NUM
hassl-4524	170	36	%	%	NOUN
hassl-4524	170	37	levels	level	NOUN
hassl-4524	170	38	.	.	PUNCT
hassl-4524	171	1	this	this	PRON
hassl-4524	171	2	suggests	suggest	VERB
hassl-4524	171	3	that	that	SCONJ
hassl-4524	171	4	higher	high	ADJ
hassl-4524	171	5	liquidity	liquidity	NOUN
hassl-4524	171	6	levels	level	NOUN
hassl-4524	171	7	contribute	contribute	VERB
hassl-4524	171	8	to	to	ADP
hassl-4524	171	9	financial	financial	ADJ
hassl-4524	171	10	stability	stability	NOUN
hassl-4524	171	11	.	.	PUNCT
hassl-4524	172	1	in	in	ADP
hassl-4524	172	2	contrast	contrast	NOUN
hassl-4524	172	3	,	,	PUNCT
hassl-4524	172	4	llp	llp	PROPN
hassl-4524	172	5	does	do	AUX
hassl-4524	172	6	not	not	PART
hassl-4524	172	7	show	show	VERB
hassl-4524	172	8	significant	significant	ADJ
hassl-4524	172	9	results	result	NOUN
hassl-4524	172	10	in	in	ADP
hassl-4524	172	11	any	any	DET
hassl-4524	172	12	model	model	NOUN
hassl-4524	172	13	,	,	PUNCT
hassl-4524	172	14	indicating	indicate	VERB
hassl-4524	172	15	that	that	SCONJ
hassl-4524	172	16	provisioning	provision	VERB
hassl-4524	172	17	policies	policy	NOUN
hassl-4524	172	18	do	do	AUX
hassl-4524	172	19	not	not	PART
hassl-4524	172	20	directly	directly	ADV
hassl-4524	172	21	impact	impact	VERB
hassl-4524	172	22	overall	overall	ADJ
hassl-4524	172	23	stability	stability	NOUN
hassl-4524	172	24	.	.	PUNCT
hassl-4524	173	1	eta	eta	PROPN
hassl-4524	173	2	is	be	AUX
hassl-4524	173	3	positively	positively	ADV
hassl-4524	173	4	significant	significant	ADJ
hassl-4524	173	5	only	only	ADV
hassl-4524	173	6	in	in	ADP
hassl-4524	173	7	model	model	NOUN
hassl-4524	173	8	(	(	PUNCT
hassl-4524	173	9	2	2	NUM
hassl-4524	173	10	)	)	PUNCT
hassl-4524	173	11	,	,	PUNCT
hassl-4524	173	12	with	with	ADP
hassl-4524	173	13	a	a	DET
hassl-4524	173	14	coefficient	coefficient	NOUN
hassl-4524	173	15	of	of	ADP
hassl-4524	173	16	0.060	0.060	NUM
hassl-4524	173	17	at	at	ADP
hassl-4524	173	18	the	the	DET
hassl-4524	173	19	1	1	NUM
hassl-4524	173	20	%	%	NOUN
hassl-4524	173	21	level	level	NOUN
hassl-4524	173	22	,	,	PUNCT
hassl-4524	173	23	implying	imply	VERB
hassl-4524	173	24	that	that	SCONJ
hassl-4524	173	25	well	well	ADV
hassl-4524	173	26	-	-	PUNCT
hassl-4524	173	27	capitalized	capitalize	VERB
hassl-4524	173	28	banks	bank	NOUN
hassl-4524	173	29	may	may	AUX
hassl-4524	173	30	experience	experience	VERB
hassl-4524	173	31	greater	great	ADJ
hassl-4524	173	32	stability	stability	NOUN
hassl-4524	173	33	when	when	SCONJ
hassl-4524	173	34	diversifying	diversify	VERB
hassl-4524	173	35	income	income	NOUN
hassl-4524	173	36	.	.	PUNCT
hassl-4524	174	1	regarding	regard	VERB
hassl-4524	174	2	macroeconomic	macroeconomic	ADJ
hassl-4524	174	3	factors	factor	NOUN
hassl-4524	174	4	,	,	PUNCT
hassl-4524	174	5	gdp	gdp	NOUN
hassl-4524	174	6	growth	growth	NOUN
hassl-4524	174	7	positively	positively	ADV
hassl-4524	174	8	influences	influence	VERB
hassl-4524	174	9	bank	bank	NOUN
hassl-4524	174	10	stability	stability	NOUN
hassl-4524	174	11	,	,	PUNCT
hassl-4524	174	12	with	with	ADP
hassl-4524	174	13	coefficients	coefficient	NOUN
hassl-4524	174	14	ranging	range	VERB
hassl-4524	174	15	from	from	ADP
hassl-4524	174	16	0.056	0.056	NUM
hassl-4524	174	17	to	to	ADP
hassl-4524	174	18	0.089	0.089	NUM
hassl-4524	174	19	,	,	PUNCT
hassl-4524	174	20	all	all	PRON
hassl-4524	174	21	significant	significant	ADJ
hassl-4524	174	22	at	at	ADP
hassl-4524	174	23	the	the	DET
hassl-4524	174	24	5	5	NUM
hassl-4524	174	25	%	%	NOUN
hassl-4524	174	26	level	level	NOUN
hassl-4524	174	27	.	.	PUNCT
hassl-4524	175	1	this	this	PRON
hassl-4524	175	2	suggests	suggest	VERB
hassl-4524	175	3	that	that	SCONJ
hassl-4524	175	4	economic	economic	ADJ
hassl-4524	175	5	expansion	expansion	NOUN
hassl-4524	175	6	supports	support	VERB
hassl-4524	175	7	financial	financial	ADJ
hassl-4524	175	8	stability	stability	NOUN
hassl-4524	175	9	by	by	ADP
hassl-4524	175	10	improving	improve	VERB
hassl-4524	175	11	asset	asset	NOUN
hassl-4524	175	12	quality	quality	NOUN
hassl-4524	175	13	and	and	CCONJ
hassl-4524	175	14	reducing	reduce	VERB
hassl-4524	175	15	default	default	NOUN
hassl-4524	175	16	risks	risk	NOUN
hassl-4524	175	17	.	.	PUNCT
hassl-4524	176	1	the	the	DET
hassl-4524	176	2	covid-19	covid-19	PROPN
hassl-4524	176	3	dummy	dummy	ADJ
hassl-4524	176	4	variable	variable	NOUN
hassl-4524	176	5	shows	show	VERB
hassl-4524	176	6	a	a	DET
hassl-4524	176	7	significant	significant	ADJ
hassl-4524	176	8	positive	positive	ADJ
hassl-4524	176	9	effect	effect	NOUN
hassl-4524	176	10	in	in	ADP
hassl-4524	176	11	models	model	NOUN
hassl-4524	176	12	(	(	PUNCT
hassl-4524	176	13	1	1	NUM
hassl-4524	176	14	)	)	PUNCT
hassl-4524	176	15	and	and	CCONJ
hassl-4524	176	16	(	(	PUNCT
hassl-4524	176	17	2	2	NUM
hassl-4524	176	18	)	)	PUNCT
hassl-4524	176	19	,	,	PUNCT
hassl-4524	176	20	with	with	ADP
hassl-4524	176	21	coefficients	coefficient	NOUN
hassl-4524	176	22	of	of	ADP
hassl-4524	176	23	0.272	0.272	NUM
hassl-4524	176	24	and	and	CCONJ
hassl-4524	176	25	0.393	0.393	NUM
hassl-4524	176	26	,	,	PUNCT
hassl-4524	176	27	respectively	respectively	ADV
hassl-4524	176	28	.	.	PUNCT
hassl-4524	177	1	humanities	humanity	NOUN
hassl-4524	177	2	and	and	CCONJ
hassl-4524	177	3	social	social	ADJ
hassl-4524	177	4	sciences	science	NOUN
hassl-4524	177	5	letters	letter	NOUN
hassl-4524	177	6	,	,	PUNCT
hassl-4524	177	7	2025	2025	NUM
hassl-4524	177	8	,	,	PUNCT
hassl-4524	177	9	13(4	13(4	NUM
hassl-4524	177	10	):	):	PUNCT
hassl-4524	177	11	1508	1508	NUM
hassl-4524	177	12	-	-	SYM
hassl-4524	177	13	1519	1519	NUM
hassl-4524	177	14	1515	1515	NUM
hassl-4524	177	15	©	©	PROPN
hassl-4524	177	16	2025	2025	NUM
hassl-4524	177	17	conscientia	conscientia	PROPN
hassl-4524	177	18	beam	beam	PROPN
hassl-4524	177	19	.	.	PUNCT
hassl-4524	178	1	all	all	DET
hassl-4524	178	2	rights	right	NOUN
hassl-4524	178	3	reserved	reserve	VERB
hassl-4524	178	4	.	.	PUNCT
hassl-4524	179	1	table	table	NOUN
hassl-4524	179	2	3	3	NUM
hassl-4524	179	3	.	.	PUNCT
hassl-4524	180	1	regression	regression	NOUN
hassl-4524	180	2	results	result	NOUN
hassl-4524	180	3	.	.	PUNCT
hassl-4524	181	1	(	(	PUNCT
hassl-4524	181	2	1	1	X
hassl-4524	181	3	)	)	PUNCT
hassl-4524	181	4	(	(	PUNCT
hassl-4524	181	5	2	2	NUM
hassl-4524	181	6	)	)	PUNCT
hassl-4524	181	7	(	(	PUNCT
hassl-4524	181	8	3	3	X
hassl-4524	181	9	)	)	PUNCT
hassl-4524	181	10	z	z	NOUN
hassl-4524	181	11	-	-	PUNCT
hassl-4524	181	12	score	score	NOUN
hassl-4524	181	13	z	z	NOUN
hassl-4524	181	14	-	-	PUNCT
hassl-4524	181	15	score	score	NOUN
hassl-4524	181	16	z	z	NOUN
hassl-4524	181	17	-	-	PUNCT
hassl-4524	181	18	score	score	NOUN
hassl-4524	181	19	z	z	NOUN
hassl-4524	181	20	-	-	PUNCT
hassl-4524	181	21	score	score	NOUN
hassl-4524	181	22	(	(	PUNCT
hassl-4524	181	23	-1	-1	NOUN
hassl-4524	181	24	)	)	PUNCT
hassl-4524	181	25	0.779	0.779	NUM
hassl-4524	181	26	*	*	PUNCT
hassl-4524	181	27	*	*	PUNCT
hassl-4524	181	28	*	*	PUNCT
hassl-4524	181	29	(	(	PUNCT
hassl-4524	181	30	0.057	0.057	NUM
hassl-4524	181	31	)	)	PUNCT
hassl-4524	181	32	0.353	0.353	NUM
hassl-4524	181	33	*	*	PUNCT
hassl-4524	181	34	*	*	PUNCT
hassl-4524	181	35	*	*	PUNCT
hassl-4524	181	36	(	(	PUNCT
hassl-4524	181	37	0.049	0.049	NUM
hassl-4524	181	38	)	)	PUNCT
hassl-4524	181	39	0.721	0.721	NUM
hassl-4524	182	1	*	*	PUNCT
hassl-4524	182	2	*	*	PUNCT
hassl-4524	182	3	*	*	PUNCT
hassl-4524	182	4	(	(	PUNCT
hassl-4524	182	5	0.055	0.055	NUM
hassl-4524	182	6	)	)	PUNCT
hassl-4524	182	7	dt	dt	NOUN
hassl-4524	183	1	0.175	0.175	NUM
hassl-4524	183	2	*	*	PUNCT
hassl-4524	183	3	*	*	PUNCT
hassl-4524	183	4	(	(	PUNCT
hassl-4524	183	5	0.084	0.084	NUM
hassl-4524	183	6	)	)	PUNCT
hassl-4524	183	7	div	div	NOUN
hassl-4524	183	8	0.059	0.059	NUM
hassl-4524	183	9	*	*	PUNCT
hassl-4524	183	10	*	*	PUNCT
hassl-4524	183	11	*	*	PUNCT
hassl-4524	183	12	(	(	PUNCT
hassl-4524	183	13	0.011	0.011	NUM
hassl-4524	183	14	)	)	PUNCT
hassl-4524	183	15	dt*div	dt*div	VERB
hassl-4524	183	16	0.009	0.009	NUM
hassl-4524	183	17	*	*	PUNCT
hassl-4524	183	18	*	*	PUNCT
hassl-4524	183	19	*	*	PUNCT
hassl-4524	183	20	(	(	PUNCT
hassl-4524	183	21	0.002	0.002	NUM
hassl-4524	183	22	)	)	PUNCT
hassl-4524	183	23	llp	llp	PROPN
hassl-4524	183	24	0.079	0.079	NUM
hassl-4524	183	25	(	(	PUNCT
hassl-4524	183	26	0.132	0.132	NUM
hassl-4524	183	27	)	)	PUNCT
hassl-4524	183	28	0.231	0.231	NUM
hassl-4524	183	29	(	(	PUNCT
hassl-4524	183	30	0.172	0.172	NUM
hassl-4524	183	31	)	)	PUNCT
hassl-4524	183	32	0.036	0.036	NUM
hassl-4524	183	33	(	(	PUNCT
hassl-4524	183	34	0.124	0.124	NUM
hassl-4524	183	35	)	)	PUNCT
hassl-4524	184	1	eta	eta	PROPN
hassl-4524	184	2	-0.006	-0.006	PROPN
hassl-4524	184	3	(	(	PUNCT
hassl-4524	184	4	0.014	0.014	NUM
hassl-4524	184	5	)	)	PUNCT
hassl-4524	184	6	0.060	0.060	NUM
hassl-4524	184	7	*	*	PUNCT
hassl-4524	184	8	*	*	PUNCT
hassl-4524	184	9	*	*	PUNCT
hassl-4524	184	10	(	(	PUNCT
hassl-4524	184	11	0.015	0.015	NUM
hassl-4524	184	12	)	)	PUNCT
hassl-4524	184	13	-0.005	-0.005	PRON
hassl-4524	184	14	(	(	PUNCT
hassl-4524	184	15	0.013	0.013	NUM
hassl-4524	184	16	)	)	PUNCT
hassl-4524	184	17	lta	lta	NOUN
hassl-4524	184	18	0.026	0.026	NUM
hassl-4524	184	19	*	*	PUNCT
hassl-4524	184	20	*	*	PUNCT
hassl-4524	184	21	*	*	PUNCT
hassl-4524	184	22	(	(	PUNCT
hassl-4524	184	23	0.006	0.006	NUM
hassl-4524	184	24	)	)	PUNCT
hassl-4524	184	25	0.016	0.016	NUM
hassl-4524	184	26	*	*	PUNCT
hassl-4524	184	27	*	*	PUNCT
hassl-4524	184	28	(	(	PUNCT
hassl-4524	184	29	0.007	0.007	NUM
hassl-4524	184	30	)	)	PUNCT
hassl-4524	184	31	0.019	0.019	NUM
hassl-4524	184	32	*	*	PUNCT
hassl-4524	184	33	*	*	PUNCT
hassl-4524	184	34	*	*	PUNCT
hassl-4524	184	35	(	(	PUNCT
hassl-4524	184	36	0.005	0.005	NUM
hassl-4524	184	37	)	)	PUNCT
hassl-4524	184	38	covid	covid	NOUN
hassl-4524	184	39	0.272	0.272	NUM
hassl-4524	184	40	*	*	NOUN
hassl-4524	184	41	*	*	PUNCT
hassl-4524	184	42	(	(	PUNCT
hassl-4524	184	43	0.117	0.117	NUM
hassl-4524	184	44	)	)	PUNCT
hassl-4524	184	45	0.393	0.393	NUM
hassl-4524	184	46	*	*	PUNCT
hassl-4524	184	47	*	*	PUNCT
hassl-4524	184	48	*	*	PUNCT
hassl-4524	184	49	(	(	PUNCT
hassl-4524	184	50	0.151	0.151	NUM
hassl-4524	184	51	)	)	PUNCT
hassl-4524	184	52	0.123	0.123	NUM
hassl-4524	184	53	(	(	PUNCT
hassl-4524	184	54	0.114	0.114	NUM
hassl-4524	184	55	)	)	PUNCT
hassl-4524	184	56	gdp	gdp	NOUN
hassl-4524	184	57	0.068	0.068	NUM
hassl-4524	184	58	*	*	NOUN
hassl-4524	184	59	*	*	PUNCT
hassl-4524	184	60	(	(	PUNCT
hassl-4524	184	61	0.027	0.027	NUM
hassl-4524	184	62	)	)	PUNCT
hassl-4524	184	63	0.089	0.089	NUM
hassl-4524	184	64	*	*	PUNCT
hassl-4524	184	65	*	*	PUNCT
hassl-4524	184	66	(	(	PUNCT
hassl-4524	184	67	0.035	0.035	NUM
hassl-4524	184	68	)	)	PUNCT
hassl-4524	184	69	0.056	0.056	NUM
hassl-4524	184	70	*	*	X
hassl-4524	184	71	*	*	PUNCT
hassl-4524	184	72	(	(	PUNCT
hassl-4524	184	73	0.026	0.026	NUM
hassl-4524	184	74	)	)	PUNCT
hassl-4524	184	75	cons	con	NOUN
hassl-4524	184	76	-2.588	-2.588	PUNCT
hassl-4524	184	77	*	*	PUNCT
hassl-4524	184	78	*	*	PUNCT
hassl-4524	184	79	*	*	PUNCT
hassl-4524	184	80	(	(	PUNCT
hassl-4524	184	81	0.380	0.380	NUM
hassl-4524	184	82	)	)	PUNCT
hassl-4524	184	83	-2.422	-2.422	PUNCT
hassl-4524	184	84	*	*	PUNCT
hassl-4524	184	85	*	*	PUNCT
hassl-4524	184	86	*	*	PUNCT
hassl-4524	184	87	(	(	PUNCT
hassl-4524	184	88	0.467	0.467	NUM
hassl-4524	184	89	)	)	PUNCT
hassl-4524	184	90	-1.667	-1.667	NOUN
hassl-4524	184	91	*	*	PUNCT
hassl-4524	184	92	*	*	PUNCT
hassl-4524	184	93	*	*	PUNCT
hassl-4524	184	94	(	(	PUNCT
hassl-4524	184	95	0.339	0.339	NUM
hassl-4524	184	96	)	)	PUNCT
hassl-4524	184	97	n	n	CCONJ
hassl-4524	184	98	308	308	NUM
hassl-4524	184	99	308	308	NUM
hassl-4524	184	100	308	308	NUM
hassl-4524	184	101	s	s	NOUN
hassl-4524	184	102	-	-	PUNCT
hassl-4524	184	103	test	test	NOUN
hassl-4524	184	104	0.297	0.297	NUM
hassl-4524	184	105	0.958	0.958	NUM
hassl-4524	184	106	0.692	0.692	NUM
hassl-4524	184	107	ar	ar	PROPN
hassl-4524	184	108	(	(	PUNCT
hassl-4524	184	109	1	1	NUM
hassl-4524	184	110	)	)	PUNCT
hassl-4524	184	111	0.000	0.000	NUM
hassl-4524	184	112	0.001	0.001	NUM
hassl-4524	184	113	0.000	0.000	NUM
hassl-4524	184	114	ar	ar	NOUN
hassl-4524	184	115	(	(	PUNCT
hassl-4524	184	116	2	2	NUM
hassl-4524	184	117	)	)	PUNCT
hassl-4524	184	118	0.912	0.912	NUM
hassl-4524	184	119	0.544	0.544	NUM
hassl-4524	184	120	0.869	0.869	NUM
hassl-4524	184	121	note	note	NOUN
hassl-4524	184	122	:	:	PUNCT
hassl-4524	184	123	the	the	DET
hassl-4524	184	124	numbers	number	NOUN
hassl-4524	184	125	in	in	ADP
hassl-4524	184	126	parentheses	parenthesis	NOUN
hassl-4524	184	127	represent	represent	VERB
hassl-4524	184	128	the	the	DET
hassl-4524	184	129	standard	standard	ADJ
hassl-4524	184	130	errors	error	NOUN
hassl-4524	184	131	.	.	PUNCT
hassl-4524	185	1	*	*	PUNCT
hassl-4524	185	2	*	*	PUNCT
hassl-4524	185	3	*	*	PUNCT
hassl-4524	185	4	,	,	PUNCT
hassl-4524	185	5	*	*	PUNCT
hassl-4524	185	6	*	*	PUNCT
hassl-4524	185	7	,	,	PUNCT
hassl-4524	185	8	*	*	PUNCT
hassl-4524	185	9	indicate	indicate	VERB
hassl-4524	185	10	statistical	statistical	ADJ
hassl-4524	185	11	significance	significance	NOUN
hassl-4524	185	12	at	at	ADP
hassl-4524	185	13	the	the	DET
hassl-4524	185	14	1	1	NUM
hassl-4524	185	15	%	%	NOUN
hassl-4524	185	16	level	level	NOUN
hassl-4524	185	17	,	,	PUNCT
hassl-4524	185	18	5	5	NUM
hassl-4524	185	19	%	%	NOUN
hassl-4524	185	20	level	level	NOUN
hassl-4524	185	21	,	,	PUNCT
hassl-4524	185	22	10	10	NUM
hassl-4524	185	23	%	%	NOUN
hassl-4524	185	24	level	level	NOUN
hassl-4524	185	25	,	,	PUNCT
hassl-4524	185	26	respectively	respectively	ADV
hassl-4524	185	27	.	.	PUNCT
hassl-4524	186	1	to	to	PART
hassl-4524	186	2	further	far	ADV
hassl-4524	186	3	investigate	investigate	VERB
hassl-4524	186	4	the	the	DET
hassl-4524	186	5	impact	impact	NOUN
hassl-4524	186	6	of	of	ADP
hassl-4524	186	7	digital	digital	ADJ
hassl-4524	186	8	transformation	transformation	NOUN
hassl-4524	186	9	on	on	ADP
hassl-4524	186	10	bank	bank	NOUN
hassl-4524	186	11	stability	stability	NOUN
hassl-4524	186	12	,	,	PUNCT
hassl-4524	186	13	table	table	NOUN
hassl-4524	186	14	4	4	NUM
hassl-4524	186	15	presents	present	VERB
hassl-4524	186	16	additional	additional	ADJ
hassl-4524	186	17	regressions	regression	NOUN
hassl-4524	186	18	using	use	VERB
hassl-4524	186	19	the	the	DET
hassl-4524	186	20	individual	individual	ADJ
hassl-4524	186	21	components	component	NOUN
hassl-4524	186	22	of	of	ADP
hassl-4524	186	23	dt	dt	PROPN
hassl-4524	186	24	as	as	ADP
hassl-4524	186	25	explanatory	explanatory	ADJ
hassl-4524	186	26	variables	variable	NOUN
hassl-4524	186	27	.	.	PUNCT
hassl-4524	187	1	analytics	analytic	NOUN
hassl-4524	187	2	and	and	CCONJ
hassl-4524	187	3	machine	machine	NOUN
hassl-4524	187	4	learning	learning	NOUN
hassl-4524	187	5	exhibit	exhibit	VERB
hassl-4524	187	6	the	the	DET
hassl-4524	187	7	strongest	strong	ADJ
hassl-4524	187	8	positive	positive	ADJ
hassl-4524	187	9	effect	effect	NOUN
hassl-4524	187	10	on	on	ADP
hassl-4524	187	11	stability	stability	NOUN
hassl-4524	187	12	(	(	PUNCT
hassl-4524	187	13	β	β	X
hassl-4524	187	14	=	=	SYM
hassl-4524	187	15	0.275	0.275	NUM
hassl-4524	187	16	,	,	PUNCT
hassl-4524	187	17	p	p	X
hassl-4524	187	18	<	<	X
hassl-4524	187	19	0.01	0.01	NUM
hassl-4524	187	20	)	)	PUNCT
hassl-4524	187	21	,	,	PUNCT
hassl-4524	187	22	suggesting	suggest	VERB
hassl-4524	187	23	that	that	SCONJ
hassl-4524	187	24	banks	bank	NOUN
hassl-4524	187	25	leveraging	leverage	VERB
hassl-4524	187	26	ai	ai	VERB
hassl-4524	187	27	-	-	PUNCT
hassl-4524	187	28	driven	drive	VERB
hassl-4524	187	29	risk	risk	NOUN
hassl-4524	187	30	management	management	NOUN
hassl-4524	187	31	tools	tool	NOUN
hassl-4524	187	32	and	and	CCONJ
hassl-4524	187	33	big	big	ADJ
hassl-4524	187	34	data	datum	NOUN
hassl-4524	187	35	analytics	analytic	NOUN
hassl-4524	187	36	experience	experience	VERB
hassl-4524	187	37	greater	great	ADJ
hassl-4524	187	38	resilience	resilience	NOUN
hassl-4524	187	39	.	.	PUNCT
hassl-4524	188	1	infrastructure	infrastructure	NOUN
hassl-4524	188	2	(	(	PUNCT
hassl-4524	188	3	β	β	X
hassl-4524	188	4	=	=	SYM
hassl-4524	188	5	0.156	0.156	NUM
hassl-4524	188	6	,	,	PUNCT
hassl-4524	188	7	p	p	X
hassl-4524	188	8	<	<	X
hassl-4524	188	9	0.05	0.05	NUM
hassl-4524	188	10	)	)	PUNCT
hassl-4524	188	11	and	and	CCONJ
hassl-4524	188	12	atm	atm	PROPN
hassl-4524	188	13	&	&	CCONJ
hassl-4524	188	14	payment	payment	NOUN
hassl-4524	188	15	services	service	NOUN
hassl-4524	188	16	(	(	PUNCT
hassl-4524	188	17	β	β	X
hassl-4524	188	18	=	=	SYM
hassl-4524	188	19	0.209	0.209	NUM
hassl-4524	188	20	,	,	PUNCT
hassl-4524	188	21	p	p	X
hassl-4524	188	22	<	<	X
hassl-4524	188	23	0.01	0.01	NUM
hassl-4524	188	24	)	)	PUNCT
hassl-4524	188	25	also	also	ADV
hassl-4524	188	26	contribute	contribute	VERB
hassl-4524	188	27	positively	positively	ADV
hassl-4524	188	28	to	to	ADP
hassl-4524	188	29	stability	stability	NOUN
hassl-4524	188	30	,	,	PUNCT
hassl-4524	188	31	implying	imply	VERB
hassl-4524	188	32	that	that	SCONJ
hassl-4524	188	33	investments	investment	NOUN
hassl-4524	188	34	in	in	ADP
hassl-4524	188	35	digital	digital	ADJ
hassl-4524	188	36	infrastructure	infrastructure	NOUN
hassl-4524	188	37	and	and	CCONJ
hassl-4524	188	38	modernized	modernize	VERB
hassl-4524	188	39	payment	payment	NOUN
hassl-4524	188	40	systems	system	NOUN
hassl-4524	188	41	enhance	enhance	VERB
hassl-4524	188	42	financial	financial	ADJ
hassl-4524	188	43	security	security	NOUN
hassl-4524	188	44	and	and	CCONJ
hassl-4524	188	45	operational	operational	ADJ
hassl-4524	188	46	efficiency	efficiency	NOUN
hassl-4524	188	47	.	.	PUNCT
hassl-4524	189	1	internet	internet	NOUN
hassl-4524	189	2	banking	banking	NOUN
hassl-4524	189	3	,	,	PUNCT
hassl-4524	189	4	mobile	mobile	ADJ
hassl-4524	189	5	banking	banking	NOUN
hassl-4524	189	6	,	,	PUNCT
hassl-4524	189	7	cyber	cyber	ADJ
hassl-4524	189	8	risk	risk	NOUN
hassl-4524	189	9	,	,	PUNCT
hassl-4524	189	10	and	and	CCONJ
hassl-4524	189	11	fintech	fintech	NOUN
hassl-4524	189	12	adoption	adoption	NOUN
hassl-4524	189	13	do	do	AUX
hassl-4524	189	14	not	not	PART
hassl-4524	189	15	show	show	VERB
hassl-4524	189	16	significant	significant	ADJ
hassl-4524	189	17	effects	effect	NOUN
hassl-4524	189	18	,	,	PUNCT
hassl-4524	189	19	indicating	indicate	VERB
hassl-4524	189	20	that	that	SCONJ
hassl-4524	189	21	these	these	DET
hassl-4524	189	22	aspects	aspect	NOUN
hassl-4524	189	23	of	of	ADP
hassl-4524	189	24	digitalization	digitalization	NOUN
hassl-4524	189	25	do	do	AUX
hassl-4524	189	26	not	not	PART
hassl-4524	189	27	directly	directly	ADV
hassl-4524	189	28	influence	influence	VERB
hassl-4524	189	29	bank	bank	NOUN
hassl-4524	189	30	stability	stability	NOUN
hassl-4524	189	31	in	in	ADP
hassl-4524	189	32	isolation	isolation	NOUN
hassl-4524	189	33	.	.	PUNCT
hassl-4524	190	1	table	table	NOUN
hassl-4524	190	2	4	4	NUM
hassl-4524	190	3	.	.	PUNCT
hassl-4524	191	1	regression	regression	VERB
hassl-4524	191	2	analysis	analysis	NOUN
hassl-4524	191	3	of	of	ADP
hassl-4524	191	4	digital	digital	ADJ
hassl-4524	191	5	transformation	transformation	NOUN
hassl-4524	191	6	components	component	NOUN
hassl-4524	191	7	.	.	PUNCT
hassl-4524	192	1	z	z	X
hassl-4524	192	2	-	-	PUNCT
hassl-4524	192	3	score	score	NOUN
hassl-4524	192	4	z	z	NOUN
hassl-4524	192	5	-	-	PUNCT
hassl-4524	192	6	score	score	NOUN
hassl-4524	192	7	z	z	NOUN
hassl-4524	192	8	-	-	PUNCT
hassl-4524	192	9	score	score	NOUN
hassl-4524	192	10	z	z	NOUN
hassl-4524	192	11	-	-	PUNCT
hassl-4524	192	12	score	score	NOUN
hassl-4524	192	13	z	z	NOUN
hassl-4524	192	14	-	-	PUNCT
hassl-4524	192	15	score	score	NOUN
hassl-4524	192	16	z	z	NOUN
hassl-4524	192	17	-	-	PUNCT
hassl-4524	192	18	score	score	NOUN
hassl-4524	192	19	z	z	NOUN
hassl-4524	192	20	-	-	PUNCT
hassl-4524	192	21	score	score	NOUN
hassl-4524	192	22	z	z	NOUN
hassl-4524	192	23	-	-	PUNCT
hassl-4524	192	24	score	score	NOUN
hassl-4524	192	25	(	(	PUNCT
hassl-4524	192	26	-1	-1	ADJ
hassl-4524	192	27	)	)	PUNCT
hassl-4524	192	28	0.751	0.751	NUM
hassl-4524	192	29	*	*	PUNCT
hassl-4524	192	30	*	*	PUNCT
hassl-4524	192	31	*	*	PUNCT
hassl-4524	192	32	(	(	PUNCT
hassl-4524	192	33	0.059	0.059	NUM
hassl-4524	192	34	)	)	PUNCT
hassl-4524	192	35	0.772	0.772	NUM
hassl-4524	192	36	*	*	PUNCT
hassl-4524	192	37	*	*	PUNCT
hassl-4524	192	38	*	*	PUNCT
hassl-4524	192	39	(	(	PUNCT
hassl-4524	192	40	0.057	0.057	NUM
hassl-4524	192	41	)	)	PUNCT
hassl-4524	192	42	0.799	0.799	NUM
hassl-4524	192	43	*	*	PUNCT
hassl-4524	192	44	*	*	PUNCT
hassl-4524	192	45	*	*	PUNCT
hassl-4524	192	46	(	(	PUNCT
hassl-4524	192	47	0.059	0.059	NUM
hassl-4524	192	48	)	)	PUNCT
hassl-4524	192	49	0.805	0.805	NUM
hassl-4524	192	50	*	*	PUNCT
hassl-4524	192	51	*	*	PUNCT
hassl-4524	192	52	*	*	PUNCT
hassl-4524	192	53	(	(	PUNCT
hassl-4524	192	54	0.057	0.057	NUM
hassl-4524	192	55	)	)	PUNCT
hassl-4524	192	56	0.794	0.794	NUM
hassl-4524	192	57	*	*	PUNCT
hassl-4524	192	58	*	*	PUNCT
hassl-4524	192	59	*	*	PUNCT
hassl-4524	192	60	(	(	PUNCT
hassl-4524	192	61	0.057	0.057	NUM
hassl-4524	192	62	)	)	PUNCT
hassl-4524	192	63	0.747	0.747	NUM
hassl-4524	192	64	*	*	PUNCT
hassl-4524	192	65	*	*	PUNCT
hassl-4524	192	66	*	*	PUNCT
hassl-4524	192	67	(	(	PUNCT
hassl-4524	192	68	0.061	0.061	NUM
hassl-4524	192	69	)	)	PUNCT
hassl-4524	192	70	0.771	0.771	NUM
hassl-4524	192	71	*	*	PUNCT
hassl-4524	192	72	*	*	PUNCT
hassl-4524	192	73	*	*	PUNCT
hassl-4524	192	74	(	(	PUNCT
hassl-4524	192	75	0.060	0.060	NUM
hassl-4524	192	76	)	)	PUNCT
hassl-4524	192	77	infrastructure	infrastructure	NOUN
hassl-4524	192	78	0.156	0.156	NUM
hassl-4524	192	79	*	*	PUNCT
hassl-4524	192	80	*	*	PUNCT
hassl-4524	192	81	(	(	PUNCT
hassl-4524	192	82	0.062	0.062	NUM
hassl-4524	192	83	)	)	PUNCT
hassl-4524	192	84	atm	atm	NOUN
hassl-4524	192	85	and	and	CCONJ
hassl-4524	192	86	payment	payment	NOUN
hassl-4524	192	87	0.209	0.209	NUM
hassl-4524	192	88	*	*	PUNCT
hassl-4524	192	89	*	*	PUNCT
hassl-4524	192	90	*	*	PUNCT
hassl-4524	192	91	(	(	PUNCT
hassl-4524	192	92	0.081	0.081	NUM
hassl-4524	192	93	)	)	PUNCT
hassl-4524	192	94	internet	internet	NOUN
hassl-4524	192	95	banking	banking	NOUN
hassl-4524	192	96	-0.016	-0.016	X
hassl-4524	192	97	(	(	PUNCT
hassl-4524	192	98	0.070	0.070	NUM
hassl-4524	192	99	)	)	PUNCT
hassl-4524	192	100	mobile	mobile	NOUN
hassl-4524	192	101	banking	banking	NOUN
hassl-4524	192	102	0.063	0.063	NUM
hassl-4524	192	103	(	(	PUNCT
hassl-4524	192	104	0.046	0.046	NUM
hassl-4524	192	105	)	)	PUNCT
hassl-4524	192	106	cyber	cyber	NOUN
hassl-4524	192	107	risk	risk	NOUN
hassl-4524	192	108	-0.047	-0.047	PUNCT
hassl-4524	192	109	(	(	PUNCT
hassl-4524	192	110	0.064	0.064	NUM
hassl-4524	192	111	)	)	PUNCT
hassl-4524	192	112	analytics	analytic	NOUN
hassl-4524	192	113	and	and	CCONJ
hassl-4524	192	114	machine	machine	NOUN
hassl-4524	192	115	learning	learn	VERB
hassl-4524	192	116	0.275	0.275	NUM
hassl-4524	192	117	*	*	PUNCT
hassl-4524	192	118	*	*	PUNCT
hassl-4524	192	119	*	*	PUNCT
hassl-4524	192	120	(	(	PUNCT
hassl-4524	192	121	0.090	0.090	NUM
hassl-4524	192	122	)	)	PUNCT
hassl-4524	192	123	fintech	fintech	NOUN
hassl-4524	192	124	0.105	0.105	NUM
hassl-4524	192	125	(	(	PUNCT
hassl-4524	192	126	0.081	0.081	NUM
hassl-4524	192	127	)	)	PUNCT
hassl-4524	192	128	llp	llp	PROPN
hassl-4524	192	129	0.060	0.060	NUM
hassl-4524	192	130	(	(	PUNCT
hassl-4524	192	131	0.132	0.132	NUM
hassl-4524	192	132	)	)	PUNCT
hassl-4524	192	133	0.067	0.067	NUM
hassl-4524	192	134	(	(	PUNCT
hassl-4524	192	135	0.132	0.132	NUM
hassl-4524	192	136	)	)	PUNCT
hassl-4524	192	137	0.106	0.106	NUM
hassl-4524	192	138	(	(	PUNCT
hassl-4524	192	139	0.145	0.145	NUM
hassl-4524	192	140	)	)	PUNCT
hassl-4524	192	141	0.043	0.043	NUM
hassl-4524	192	142	(	(	PUNCT
hassl-4524	192	143	0.140	0.140	NUM
hassl-4524	192	144	)	)	PUNCT
hassl-4524	192	145	0.124	0.124	NUM
hassl-4524	192	146	(	(	PUNCT
hassl-4524	192	147	0.133	0.133	NUM
hassl-4524	192	148	)	)	PUNCT
hassl-4524	192	149	0.169	0.169	NUM
hassl-4524	192	150	(	(	PUNCT
hassl-4524	192	151	0.138	0.138	NUM
hassl-4524	192	152	)	)	PUNCT
hassl-4524	192	153	0.106	0.106	NUM
hassl-4524	192	154	(	(	PUNCT
hassl-4524	192	155	0.132	0.132	NUM
hassl-4524	192	156	)	)	PUNCT
hassl-4524	192	157	humanities	humanity	NOUN
hassl-4524	192	158	and	and	CCONJ
hassl-4524	192	159	social	social	ADJ
hassl-4524	192	160	sciences	science	NOUN
hassl-4524	192	161	letters	letter	NOUN
hassl-4524	192	162	,	,	PUNCT
hassl-4524	192	163	2025	2025	NUM
hassl-4524	192	164	,	,	PUNCT
hassl-4524	192	165	13(4	13(4	NUM
hassl-4524	192	166	):	):	PUNCT
hassl-4524	192	167	1508	1508	NUM
hassl-4524	192	168	-	-	SYM
hassl-4524	192	169	1519	1519	NUM
hassl-4524	192	170	1516	1516	NUM
hassl-4524	192	171	©	©	ADP
hassl-4524	192	172	2025	2025	NUM
hassl-4524	192	173	conscientia	conscientia	PROPN
hassl-4524	192	174	beam	beam	PROPN
hassl-4524	192	175	.	.	PUNCT
hassl-4524	193	1	all	all	DET
hassl-4524	193	2	rights	right	NOUN
hassl-4524	193	3	reserved	reserve	VERB
hassl-4524	193	4	.	.	PUNCT
hassl-4524	194	1	z	z	X
hassl-4524	194	2	-	-	PUNCT
hassl-4524	194	3	score	score	NOUN
hassl-4524	194	4	z	z	NOUN
hassl-4524	194	5	-	-	PUNCT
hassl-4524	194	6	score	score	NOUN
hassl-4524	194	7	z	z	NOUN
hassl-4524	194	8	-	-	PUNCT
hassl-4524	194	9	score	score	NOUN
hassl-4524	194	10	z	z	NOUN
hassl-4524	194	11	-	-	PUNCT
hassl-4524	194	12	score	score	NOUN
hassl-4524	194	13	z	z	NOUN
hassl-4524	194	14	-	-	PUNCT
hassl-4524	194	15	score	score	NOUN
hassl-4524	194	16	z	z	NOUN
hassl-4524	194	17	-	-	PUNCT
hassl-4524	194	18	score	score	NOUN
hassl-4524	194	19	z	z	NOUN
hassl-4524	194	20	-	-	PUNCT
hassl-4524	194	21	score	score	NOUN
hassl-4524	194	22	eta	eta	PROPN
hassl-4524	194	23	0.003	0.003	NUM
hassl-4524	194	24	(	(	PUNCT
hassl-4524	194	25	0.014	0.014	NUM
hassl-4524	194	26	)	)	PUNCT
hassl-4524	194	27	-0.006	-0.006	PROPN
hassl-4524	194	28	(	(	PUNCT
hassl-4524	194	29	0.014	0.014	NUM
hassl-4524	194	30	)	)	PUNCT
hassl-4524	194	31	-0.005	-0.005	PRON
hassl-4524	194	32	(	(	PUNCT
hassl-4524	194	33	0.014	0.014	NUM
hassl-4524	194	34	)	)	PUNCT
hassl-4524	194	35	-0.004	-0.004	PUNCT
hassl-4524	194	36	(	(	PUNCT
hassl-4524	194	37	0.014	0.014	NUM
hassl-4524	194	38	)	)	PUNCT
hassl-4524	194	39	-0.005	-0.005	PRON
hassl-4524	194	40	(	(	PUNCT
hassl-4524	194	41	0.014	0.014	NUM
hassl-4524	194	42	)	)	PUNCT
hassl-4524	194	43	-0.019	-0.019	PUNCT
hassl-4524	194	44	(	(	PUNCT
hassl-4524	194	45	0.015	0.015	NUM
hassl-4524	194	46	)	)	PUNCT
hassl-4524	194	47	-0.007	-0.007	PUNCT
hassl-4524	194	48	(	(	PUNCT
hassl-4524	194	49	0.014	0.014	NUM
hassl-4524	194	50	)	)	PUNCT
hassl-4524	194	51	lta	lta	NOUN
hassl-4524	194	52	0.060	0.060	NUM
hassl-4524	194	53	*	*	PUNCT
hassl-4524	194	54	*	*	PUNCT
hassl-4524	194	55	*	*	PUNCT
hassl-4524	194	56	(	(	PUNCT
hassl-4524	194	57	0.005	0.005	NUM
hassl-4524	194	58	)	)	PUNCT
hassl-4524	194	59	0.028	0.028	NUM
hassl-4524	194	60	*	*	PUNCT
hassl-4524	194	61	*	*	PUNCT
hassl-4524	194	62	*	*	PUNCT
hassl-4524	194	63	(	(	PUNCT
hassl-4524	194	64	0.005	0.005	NUM
hassl-4524	194	65	)	)	PUNCT
hassl-4524	194	66	0.034	0.034	NUM
hassl-4524	194	67	*	*	PUNCT
hassl-4524	194	68	*	*	PUNCT
hassl-4524	194	69	*	*	PUNCT
hassl-4524	194	70	(	(	PUNCT
hassl-4524	194	71	0.007	0.007	NUM
hassl-4524	194	72	)	)	PUNCT
hassl-4524	194	73	0.032	0.032	NUM
hassl-4524	194	74	*	*	PUNCT
hassl-4524	194	75	*	*	PUNCT
hassl-4524	194	76	*	*	PUNCT
hassl-4524	194	77	(	(	PUNCT
hassl-4524	194	78	0.005	0.005	NUM
hassl-4524	194	79	)	)	PUNCT
hassl-4524	194	80	0.033	0.033	NUM
hassl-4524	194	81	*	*	PUNCT
hassl-4524	194	82	*	*	PUNCT
hassl-4524	194	83	*	*	PUNCT
hassl-4524	194	84	(	(	PUNCT
hassl-4524	194	85	0.005	0.005	NUM
hassl-4524	194	86	)	)	PUNCT
hassl-4524	194	87	0.020	0.020	NUM
hassl-4524	194	88	*	*	PUNCT
hassl-4524	194	89	*	*	PUNCT
hassl-4524	194	90	*	*	PUNCT
hassl-4524	194	91	(	(	PUNCT
hassl-4524	194	92	0.007	0.007	NUM
hassl-4524	194	93	)	)	PUNCT
hassl-4524	194	94	0.029	0.029	NUM
hassl-4524	194	95	*	*	PUNCT
hassl-4524	194	96	*	*	PUNCT
hassl-4524	194	97	*	*	PUNCT
hassl-4524	194	98	(	(	PUNCT
hassl-4524	194	99	0.006	0.006	NUM
hassl-4524	194	100	)	)	PUNCT
hassl-4524	194	101	covid	covid	NOUN
hassl-4524	194	102	0.351	0.351	NUM
hassl-4524	194	103	*	*	PUNCT
hassl-4524	194	104	*	*	PUNCT
hassl-4524	194	105	*	*	PUNCT
hassl-4524	194	106	(	(	PUNCT
hassl-4524	194	107	0.118	0.118	NUM
hassl-4524	194	108	)	)	PUNCT
hassl-4524	194	109	0.300	0.300	NUM
hassl-4524	194	110	*	*	PUNCT
hassl-4524	194	111	*	*	PUNCT
hassl-4524	194	112	*	*	PUNCT
hassl-4524	194	113	(	(	PUNCT
hassl-4524	194	114	0.116	0.116	NUM
hassl-4524	194	115	)	)	PUNCT
hassl-4524	194	116	0.276	0.276	NUM
hassl-4524	194	117	*	*	PUNCT
hassl-4524	195	1	*	*	PUNCT
hassl-4524	195	2	(	(	PUNCT
hassl-4524	195	3	0.137	0.137	NUM
hassl-4524	195	4	)	)	PUNCT
hassl-4524	195	5	0.184	0.184	NUM
hassl-4524	195	6	(	(	PUNCT
hassl-4524	195	7	0.142	0.142	NUM
hassl-4524	195	8	)	)	PUNCT
hassl-4524	195	9	0.278	0.278	NUM
hassl-4524	195	10	*	*	SYM
hassl-4524	195	11	*	*	PUNCT
hassl-4524	195	12	(	(	PUNCT
hassl-4524	195	13	0.120	0.120	NUM
hassl-4524	195	14	)	)	PUNCT
hassl-4524	195	15	0.185	0.185	NUM
hassl-4524	195	16	(	(	PUNCT
hassl-4524	195	17	0.127	0.127	NUM
hassl-4524	195	18	)	)	PUNCT
hassl-4524	195	19	0.261	0.261	NUM
hassl-4524	195	20	*	*	SYM
hassl-4524	195	21	*	*	PUNCT
hassl-4524	195	22	(	(	PUNCT
hassl-4524	195	23	0.119	0.119	NUM
hassl-4524	195	24	)	)	PUNCT
hassl-4524	195	25	gdp	gdp	NOUN
hassl-4524	195	26	0.079	0.079	NUM
hassl-4524	195	27	*	*	PUNCT
hassl-4524	195	28	*	*	PUNCT
hassl-4524	195	29	*	*	PUNCT
hassl-4524	195	30	(	(	PUNCT
hassl-4524	195	31	0.028	0.028	NUM
hassl-4524	195	32	)	)	PUNCT
hassl-4524	195	33	0.089	0.089	NUM
hassl-4524	195	34	*	*	PUNCT
hassl-4524	195	35	*	*	PUNCT
hassl-4524	195	36	*	*	PUNCT
hassl-4524	195	37	(	(	PUNCT
hassl-4524	195	38	0.029	0.029	NUM
hassl-4524	195	39	)	)	PUNCT
hassl-4524	195	40	0.062	0.062	NUM
hassl-4524	195	41	*	*	PUNCT
hassl-4524	195	42	*	*	PUNCT
hassl-4524	195	43	(	(	PUNCT
hassl-4524	195	44	0.031	0.031	NUM
hassl-4524	195	45	)	)	PUNCT
hassl-4524	195	46	0.050	0.050	NUM
hassl-4524	195	47	*	*	PUNCT
hassl-4524	195	48	(	(	PUNCT
hassl-4524	195	49	0.030	0.030	NUM
hassl-4524	195	50	)	)	PUNCT
hassl-4524	195	51	0.062	0.062	NUM
hassl-4524	195	52	*	*	PUNCT
hassl-4524	195	53	*	*	PUNCT
hassl-4524	195	54	(	(	PUNCT
hassl-4524	195	55	0.028	0.028	NUM
hassl-4524	195	56	)	)	PUNCT
hassl-4524	195	57	0.056	0.056	NUM
hassl-4524	195	58	*	*	X
hassl-4524	195	59	*	*	PUNCT
hassl-4524	195	60	(	(	PUNCT
hassl-4524	195	61	0.029	0.029	NUM
hassl-4524	195	62	)	)	PUNCT
hassl-4524	195	63	0.055	0.055	NUM
hassl-4524	195	64	*	*	SYM
hassl-4524	195	65	(	(	PUNCT
hassl-4524	195	66	0.029	0.029	NUM
hassl-4524	195	67	)	)	PUNCT
hassl-4524	195	68	cons	con	NOUN
hassl-4524	195	69	-2.236	-2.236	NUM
hassl-4524	195	70	*	*	PUNCT
hassl-4524	195	71	*	*	PUNCT
hassl-4524	195	72	*	*	PUNCT
hassl-4524	195	73	(	(	PUNCT
hassl-4524	195	74	0.339	0.339	NUM
hassl-4524	195	75	)	)	PUNCT
hassl-4524	195	76	-2.549	-2.549	PUNCT
hassl-4524	195	77	*	*	PUNCT
hassl-4524	195	78	*	*	PUNCT
hassl-4524	195	79	*	*	PUNCT
hassl-4524	195	80	(	(	PUNCT
hassl-4524	195	81	0.359	0.359	NUM
hassl-4524	195	82	)	)	PUNCT
hassl-4524	195	83	-2.226	-2.226	NOUN
hassl-4524	196	1	*	*	PUNCT
hassl-4524	196	2	*	*	PUNCT
hassl-4524	196	3	*	*	PUNCT
hassl-4524	196	4	(	(	PUNCT
hassl-4524	196	5	0.350	0.350	NUM
hassl-4524	196	6	)	)	PUNCT
hassl-4524	196	7	-2.141	-2.141	PUNCT
hassl-4524	197	1	*	*	PUNCT
hassl-4524	197	2	*	*	PUNCT
hassl-4524	197	3	*	*	PUNCT
hassl-4524	197	4	(	(	PUNCT
hassl-4524	197	5	0.347	0.347	NUM
hassl-4524	197	6	)	)	PUNCT
hassl-4524	197	7	-2.207	-2.207	NOUN
hassl-4524	198	1	*	*	PUNCT
hassl-4524	198	2	*	*	PUNCT
hassl-4524	198	3	*	*	PUNCT
hassl-4524	198	4	(	(	PUNCT
hassl-4524	198	5	0.348	0.348	NUM
hassl-4524	198	6	)	)	PUNCT
hassl-4524	198	7	-1.444	-1.444	NOUN
hassl-4524	198	8	*	*	PUNCT
hassl-4524	198	9	*	*	PUNCT
hassl-4524	198	10	*	*	PUNCT
hassl-4524	198	11	(	(	PUNCT
hassl-4524	198	12	0.440	0.440	NUM
hassl-4524	198	13	)	)	PUNCT
hassl-4524	198	14	-1.951	-1.951	NOUN
hassl-4524	199	1	*	*	PUNCT
hassl-4524	199	2	*	*	PUNCT
hassl-4524	199	3	*	*	PUNCT
hassl-4524	199	4	(	(	PUNCT
hassl-4524	199	5	0.406	0.406	NUM
hassl-4524	199	6	)	)	PUNCT
hassl-4524	199	7	n	n	CCONJ
hassl-4524	199	8	308	308	NUM
hassl-4524	199	9	308	308	NUM
hassl-4524	199	10	308	308	NUM
hassl-4524	199	11	308	308	NUM
hassl-4524	199	12	308	308	NUM
hassl-4524	199	13	308	308	NUM
hassl-4524	199	14	308	308	NUM
hassl-4524	199	15	s	s	NOUN
hassl-4524	199	16	-	-	PUNCT
hassl-4524	199	17	test	test	NOUN
hassl-4524	199	18	0.453	0.453	NUM
hassl-4524	199	19	0.292	0.292	NUM
hassl-4524	199	20	0.330	0.330	NUM
hassl-4524	199	21	0.287	0.287	NUM
hassl-4524	199	22	0.321	0.321	NUM
hassl-4524	199	23	0.825	0.825	NUM
hassl-4524	199	24	0.277	0.277	NUM
hassl-4524	199	25	ar	ar	NOUN
hassl-4524	199	26	(	(	PUNCT
hassl-4524	199	27	1	1	NUM
hassl-4524	199	28	)	)	PUNCT
hassl-4524	200	1	0.000	0.000	NUM
hassl-4524	200	2	0.000	0.000	NUM
hassl-4524	200	3	0.000	0.000	NUM
hassl-4524	200	4	0.000	0.000	NUM
hassl-4524	200	5	0.000	0.000	NUM
hassl-4524	200	6	0.000	0.000	NUM
hassl-4524	200	7	0.000	0.000	NUM
hassl-4524	200	8	ar	ar	NOUN
hassl-4524	200	9	(	(	PUNCT
hassl-4524	200	10	2	2	NUM
hassl-4524	200	11	)	)	PUNCT
hassl-4524	200	12	0.665	0.665	NUM
hassl-4524	200	13	0.972	0.972	NUM
hassl-4524	200	14	0.777	0.777	NUM
hassl-4524	200	15	0.941	0.941	NUM
hassl-4524	200	16	0.917	0.917	NUM
hassl-4524	200	17	0.884	0.884	NUM
hassl-4524	200	18	0.783	0.783	NUM
hassl-4524	200	19	note	note	NOUN
hassl-4524	200	20	:	:	PUNCT
hassl-4524	200	21	the	the	DET
hassl-4524	200	22	numbers	number	NOUN
hassl-4524	200	23	in	in	ADP
hassl-4524	200	24	parentheses	parenthesis	NOUN
hassl-4524	200	25	represent	represent	VERB
hassl-4524	200	26	the	the	DET
hassl-4524	200	27	standard	standard	ADJ
hassl-4524	200	28	errors	error	NOUN
hassl-4524	200	29	.	.	PUNCT
hassl-4524	201	1	*	*	PUNCT
hassl-4524	202	1	*	*	PUNCT
hassl-4524	202	2	*	*	PUNCT
hassl-4524	202	3	,	,	PUNCT
hassl-4524	202	4	*	*	PUNCT
hassl-4524	202	5	*	*	PUNCT
hassl-4524	202	6	,	,	PUNCT
hassl-4524	202	7	*	*	PUNCT
hassl-4524	202	8	indicate	indicate	VERB
hassl-4524	202	9	statistical	statistical	ADJ
hassl-4524	202	10	significance	significance	NOUN
hassl-4524	202	11	at	at	ADP
hassl-4524	202	12	the	the	DET
hassl-4524	202	13	1	1	NUM
hassl-4524	202	14	%	%	NOUN
hassl-4524	202	15	level	level	NOUN
hassl-4524	202	16	,	,	PUNCT
hassl-4524	202	17	5	5	NUM
hassl-4524	202	18	%	%	NOUN
hassl-4524	202	19	level	level	NOUN
hassl-4524	202	20	,	,	PUNCT
hassl-4524	202	21	10	10	NUM
hassl-4524	202	22	%	%	NOUN
hassl-4524	202	23	level	level	NOUN
hassl-4524	202	24	,	,	PUNCT
hassl-4524	202	25	respectively	respectively	ADV
hassl-4524	202	26	.	.	PUNCT
hassl-4524	203	1	5	5	X
hassl-4524	203	2	.	.	X
hassl-4524	203	3	discussion	discussion	NOUN
hassl-4524	203	4	the	the	DET
hassl-4524	203	5	regression	regression	NOUN
hassl-4524	203	6	results	result	NOUN
hassl-4524	203	7	indicate	indicate	VERB
hassl-4524	203	8	a	a	DET
hassl-4524	203	9	significant	significant	ADJ
hassl-4524	203	10	and	and	CCONJ
hassl-4524	203	11	positive	positive	ADJ
hassl-4524	203	12	relationship	relationship	NOUN
hassl-4524	203	13	between	between	ADP
hassl-4524	203	14	digital	digital	ADJ
hassl-4524	203	15	transformation	transformation	NOUN
hassl-4524	203	16	and	and	CCONJ
hassl-4524	203	17	bank	bank	NOUN
hassl-4524	203	18	stability	stability	NOUN
hassl-4524	203	19	,	,	PUNCT
hassl-4524	203	20	supporting	support	VERB
hassl-4524	203	21	the	the	DET
hassl-4524	203	22	view	view	NOUN
hassl-4524	203	23	that	that	SCONJ
hassl-4524	203	24	technological	technological	ADJ
hassl-4524	203	25	advancements	advancement	NOUN
hassl-4524	203	26	contribute	contribute	VERB
hassl-4524	203	27	to	to	ADP
hassl-4524	203	28	financial	financial	ADJ
hassl-4524	203	29	resilience	resilience	NOUN
hassl-4524	203	30	.	.	PUNCT
hassl-4524	204	1	this	this	DET
hassl-4524	204	2	finding	finding	NOUN
hassl-4524	204	3	contrasts	contrast	VERB
hassl-4524	204	4	with	with	ADP
hassl-4524	204	5	khattak	khattak	PROPN
hassl-4524	204	6	et	et	PROPN
hassl-4524	204	7	al	al	PROPN
hassl-4524	204	8	.	.	PROPN
hassl-4524	205	1	(	(	PUNCT
hassl-4524	205	2	2023	2023	NUM
hassl-4524	205	3	)	)	PUNCT
hassl-4524	205	4	,	,	PUNCT
hassl-4524	205	5	who	who	PRON
hassl-4524	205	6	suggest	suggest	VERB
hassl-4524	205	7	that	that	SCONJ
hassl-4524	205	8	excessive	excessive	ADJ
hassl-4524	205	9	investment	investment	NOUN
hassl-4524	205	10	in	in	ADP
hassl-4524	205	11	digitalization	digitalization	NOUN
hassl-4524	205	12	may	may	AUX
hassl-4524	205	13	increase	increase	VERB
hassl-4524	205	14	financial	financial	ADJ
hassl-4524	205	15	risks	risk	NOUN
hassl-4524	205	16	due	due	ADJ
hassl-4524	205	17	to	to	ADP
hassl-4524	205	18	competitive	competitive	ADJ
hassl-4524	205	19	pressures	pressure	NOUN
hassl-4524	205	20	and	and	CCONJ
hassl-4524	205	21	high	high	ADJ
hassl-4524	205	22	implementation	implementation	NOUN
hassl-4524	205	23	costs	cost	NOUN
hassl-4524	205	24	.	.	PUNCT
hassl-4524	206	1	while	while	SCONJ
hassl-4524	206	2	aggressive	aggressive	ADJ
hassl-4524	206	3	digital	digital	ADJ
hassl-4524	206	4	adoption	adoption	NOUN
hassl-4524	206	5	can	can	AUX
hassl-4524	206	6	lead	lead	VERB
hassl-4524	206	7	to	to	ADP
hassl-4524	206	8	financial	financial	ADJ
hassl-4524	206	9	strain	strain	NOUN
hassl-4524	206	10	,	,	PUNCT
hassl-4524	206	11	our	our	PRON
hassl-4524	206	12	results	result	NOUN
hassl-4524	206	13	suggest	suggest	VERB
hassl-4524	206	14	that	that	SCONJ
hassl-4524	206	15	the	the	DET
hassl-4524	206	16	benefits	benefit	NOUN
hassl-4524	206	17	outweigh	outweigh	VERB
hassl-4524	206	18	the	the	DET
hassl-4524	206	19	risks	risk	NOUN
hassl-4524	206	20	,	,	PUNCT
hassl-4524	206	21	as	as	SCONJ
hassl-4524	206	22	digital	digital	ADJ
hassl-4524	206	23	transformation	transformation	NOUN
hassl-4524	206	24	enhances	enhance	VERB
hassl-4524	206	25	risk	risk	NOUN
hassl-4524	206	26	management	management	NOUN
hassl-4524	206	27	,	,	PUNCT
hassl-4524	206	28	improves	improve	VERB
hassl-4524	206	29	operational	operational	ADJ
hassl-4524	206	30	efficiency	efficiency	NOUN
hassl-4524	206	31	,	,	PUNCT
hassl-4524	206	32	and	and	CCONJ
hassl-4524	206	33	diversifies	diversify	VERB
hassl-4524	206	34	revenue	revenue	NOUN
hassl-4524	206	35	streams	stream	NOUN
hassl-4524	206	36	.	.	PUNCT
hassl-4524	207	1	digital	digital	ADJ
hassl-4524	207	2	banking	banking	NOUN
hassl-4524	207	3	services	service	NOUN
hassl-4524	207	4	,	,	PUNCT
hassl-4524	207	5	online	online	ADJ
hassl-4524	207	6	payments	payment	NOUN
hassl-4524	207	7	,	,	PUNCT
hassl-4524	207	8	and	and	CCONJ
hassl-4524	207	9	automated	automate	VERB
hassl-4524	207	10	monitoring	monitoring	NOUN
hassl-4524	207	11	systems	system	NOUN
hassl-4524	207	12	enable	enable	VERB
hassl-4524	207	13	banks	bank	NOUN
hassl-4524	207	14	to	to	PART
hassl-4524	207	15	detect	detect	VERB
hassl-4524	207	16	loan	loan	NOUN
hassl-4524	207	17	defaults	default	NOUN
hassl-4524	207	18	,	,	PUNCT
hassl-4524	207	19	fraud	fraud	NOUN
hassl-4524	207	20	,	,	PUNCT
hassl-4524	207	21	and	and	CCONJ
hassl-4524	207	22	operational	operational	ADJ
hassl-4524	207	23	inefficiencies	inefficiency	NOUN
hassl-4524	207	24	more	more	ADV
hassl-4524	207	25	effectively	effectively	ADV
hassl-4524	207	26	,	,	PUNCT
hassl-4524	207	27	thereby	thereby	ADV
hassl-4524	207	28	stabilizing	stabilize	VERB
hassl-4524	207	29	financial	financial	ADJ
hassl-4524	207	30	performance	performance	NOUN
hassl-4524	207	31	.	.	PUNCT
hassl-4524	208	1	moreover	moreover	ADV
hassl-4524	208	2	,	,	PUNCT
hassl-4524	208	3	real	real	ADJ
hassl-4524	208	4	-	-	PUNCT
hassl-4524	208	5	time	time	NOUN
hassl-4524	208	6	core	core	NOUN
hassl-4524	208	7	banking	banking	NOUN
hassl-4524	208	8	systems	system	NOUN
hassl-4524	208	9	allow	allow	VERB
hassl-4524	208	10	banks	bank	NOUN
hassl-4524	208	11	to	to	PART
hassl-4524	208	12	optimize	optimize	VERB
hassl-4524	208	13	liquidity	liquidity	NOUN
hassl-4524	208	14	management	management	NOUN
hassl-4524	208	15	and	and	CCONJ
hassl-4524	208	16	capital	capital	NOUN
hassl-4524	208	17	allocation	allocation	NOUN
hassl-4524	208	18	,	,	PUNCT
hassl-4524	208	19	mitigating	mitigate	VERB
hassl-4524	208	20	systemic	systemic	ADJ
hassl-4524	208	21	risks	risk	NOUN
hassl-4524	208	22	and	and	CCONJ
hassl-4524	208	23	improving	improve	VERB
hassl-4524	208	24	overall	overall	ADJ
hassl-4524	208	25	financial	financial	ADJ
hassl-4524	208	26	health	health	NOUN
hassl-4524	208	27	.	.	PUNCT
hassl-4524	209	1	these	these	DET
hassl-4524	209	2	findings	finding	NOUN
hassl-4524	209	3	align	align	VERB
hassl-4524	209	4	with	with	ADP
hassl-4524	209	5	those	those	PRON
hassl-4524	209	6	of	of	ADP
hassl-4524	209	7	fuster	fuster	NOUN
hassl-4524	209	8	et	et	PROPN
hassl-4524	209	9	al	al	PROPN
hassl-4524	209	10	.	.	PROPN
hassl-4524	210	1	(	(	PUNCT
hassl-4524	210	2	2019	2019	NUM
hassl-4524	210	3	)	)	PUNCT
hassl-4524	210	4	,	,	PUNCT
hassl-4524	210	5	who	who	PRON
hassl-4524	210	6	argue	argue	VERB
hassl-4524	210	7	that	that	SCONJ
hassl-4524	210	8	digital	digital	ADJ
hassl-4524	210	9	innovation	innovation	NOUN
hassl-4524	210	10	enhances	enhance	VERB
hassl-4524	210	11	credit	credit	NOUN
hassl-4524	210	12	risk	risk	NOUN
hassl-4524	210	13	assessment	assessment	NOUN
hassl-4524	210	14	and	and	CCONJ
hassl-4524	210	15	strengthens	strengthen	VERB
hassl-4524	210	16	banking	banking	NOUN
hassl-4524	210	17	stability	stability	NOUN
hassl-4524	210	18	.	.	PUNCT
hassl-4524	211	1	the	the	DET
hassl-4524	211	2	results	result	NOUN
hassl-4524	211	3	also	also	ADV
hassl-4524	211	4	confirm	confirm	VERB
hassl-4524	211	5	the	the	DET
hassl-4524	211	6	positive	positive	ADJ
hassl-4524	211	7	effect	effect	NOUN
hassl-4524	211	8	of	of	ADP
hassl-4524	211	9	income	income	NOUN
hassl-4524	211	10	diversification	diversification	NOUN
hassl-4524	211	11	(	(	PUNCT
hassl-4524	211	12	div	div	PROPN
hassl-4524	211	13	)	)	PUNCT
hassl-4524	211	14	on	on	ADP
hassl-4524	211	15	bank	bank	NOUN
hassl-4524	211	16	stability	stability	NOUN
hassl-4524	211	17	,	,	PUNCT
hassl-4524	211	18	reinforcing	reinforce	VERB
hassl-4524	211	19	the	the	DET
hassl-4524	211	20	notion	notion	NOUN
hassl-4524	211	21	that	that	SCONJ
hassl-4524	211	22	reducing	reduce	VERB
hassl-4524	211	23	reliance	reliance	NOUN
hassl-4524	211	24	on	on	ADP
hassl-4524	211	25	interest	interest	NOUN
hassl-4524	211	26	income	income	NOUN
hassl-4524	211	27	enhances	enhance	VERB
hassl-4524	211	28	resilience	resilience	NOUN
hassl-4524	211	29	.	.	PUNCT
hassl-4524	212	1	this	this	PRON
hassl-4524	212	2	aligns	align	VERB
hassl-4524	212	3	with	with	ADP
hassl-4524	212	4	stiroh	stiroh	NOUN
hassl-4524	212	5	(	(	PUNCT
hassl-4524	212	6	2004	2004	NUM
hassl-4524	212	7	)	)	PUNCT
hassl-4524	212	8	;	;	PUNCT
hassl-4524	212	9	ghosh	ghosh	PROPN
hassl-4524	212	10	and	and	CCONJ
hassl-4524	212	11	maji	maji	PROPN
hassl-4524	212	12	(	(	PUNCT
hassl-4524	212	13	2014	2014	NUM
hassl-4524	212	14	)	)	PUNCT
hassl-4524	212	15	and	and	CCONJ
hassl-4524	212	16	zheng	zheng	PROPN
hassl-4524	212	17	,	,	PUNCT
hassl-4524	212	18	islam	islam	PROPN
hassl-4524	212	19	,	,	PUNCT
hassl-4524	212	20	hasan	hasan	PROPN
hassl-4524	212	21	,	,	PUNCT
hassl-4524	212	22	and	and	CCONJ
hassl-4524	212	23	halim	halim	PROPN
hassl-4524	212	24	(	(	PUNCT
hassl-4524	212	25	2022	2022	NUM
hassl-4524	212	26	)	)	PUNCT
hassl-4524	212	27	who	who	PRON
hassl-4524	212	28	emphasizes	emphasize	VERB
hassl-4524	212	29	that	that	SCONJ
hassl-4524	212	30	expanding	expand	VERB
hassl-4524	212	31	fee	fee	NOUN
hassl-4524	212	32	-	-	PUNCT
hassl-4524	212	33	based	base	VERB
hassl-4524	212	34	activities	activity	NOUN
hassl-4524	212	35	,	,	PUNCT
hassl-4524	212	36	wealth	wealth	NOUN
hassl-4524	212	37	management	management	NOUN
hassl-4524	212	38	services	service	NOUN
hassl-4524	212	39	,	,	PUNCT
hassl-4524	212	40	and	and	CCONJ
hassl-4524	212	41	other	other	ADJ
hassl-4524	212	42	non	non	ADJ
hassl-4524	212	43	-	-	ADJ
hassl-4524	212	44	interest	interest	ADJ
hassl-4524	212	45	revenue	revenue	NOUN
hassl-4524	212	46	sources	source	NOUN
hassl-4524	212	47	lowers	lower	VERB
hassl-4524	212	48	earnings	earning	NOUN
hassl-4524	212	49	volatility	volatility	NOUN
hassl-4524	212	50	and	and	CCONJ
hassl-4524	212	51	strengthens	strengthen	VERB
hassl-4524	212	52	financial	financial	ADJ
hassl-4524	212	53	performance	performance	NOUN
hassl-4524	212	54	.	.	PUNCT
hassl-4524	213	1	diversification	diversification	NOUN
hassl-4524	213	2	helps	help	VERB
hassl-4524	213	3	banks	bank	NOUN
hassl-4524	213	4	optimize	optimize	VERB
hassl-4524	213	5	fixed	fix	VERB
hassl-4524	213	6	costs	cost	NOUN
hassl-4524	213	7	,	,	PUNCT
hassl-4524	213	8	reduce	reduce	VERB
hassl-4524	213	9	reliance	reliance	NOUN
hassl-4524	213	10	on	on	ADP
hassl-4524	213	11	net	net	ADJ
hassl-4524	213	12	interest	interest	NOUN
hassl-4524	213	13	margins	margin	NOUN
hassl-4524	213	14	,	,	PUNCT
hassl-4524	213	15	and	and	CCONJ
hassl-4524	213	16	mitigate	mitigate	VERB
hassl-4524	213	17	exposure	exposure	NOUN
hassl-4524	213	18	to	to	ADP
hassl-4524	213	19	credit	credit	NOUN
hassl-4524	213	20	risk	risk	NOUN
hassl-4524	213	21	fluctuations	fluctuation	NOUN
hassl-4524	213	22	.	.	PUNCT
hassl-4524	214	1	köhler	köhler	NOUN
hassl-4524	214	2	(	(	PUNCT
hassl-4524	214	3	2014	2014	NUM
hassl-4524	214	4	)	)	PUNCT
hassl-4524	214	5	similarly	similarly	ADV
hassl-4524	214	6	found	find	VERB
hassl-4524	214	7	that	that	SCONJ
hassl-4524	214	8	banks	bank	NOUN
hassl-4524	214	9	with	with	ADP
hassl-4524	214	10	balanced	balanced	ADJ
hassl-4524	214	11	revenue	revenue	NOUN
hassl-4524	214	12	models	model	NOUN
hassl-4524	214	13	exhibit	exhibit	VERB
hassl-4524	214	14	lower	low	ADJ
hassl-4524	214	15	insolvency	insolvency	NOUN
hassl-4524	214	16	risk	risk	NOUN
hassl-4524	214	17	and	and	CCONJ
hassl-4524	214	18	greater	great	ADJ
hassl-4524	214	19	stability	stability	NOUN
hassl-4524	214	20	,	,	PUNCT
hassl-4524	214	21	particularly	particularly	ADV
hassl-4524	214	22	in	in	ADP
hassl-4524	214	23	emerging	emerge	VERB
hassl-4524	214	24	markets	market	NOUN
hassl-4524	214	25	.	.	PUNCT
hassl-4524	215	1	however	however	ADV
hassl-4524	215	2	,	,	PUNCT
hassl-4524	215	3	the	the	DET
hassl-4524	215	4	findings	finding	NOUN
hassl-4524	215	5	contrast	contrast	VERB
hassl-4524	215	6	with	with	ADP
hassl-4524	215	7	(	(	PUNCT
hassl-4524	215	8	stiroh	stiroh	PROPN
hassl-4524	215	9	&	&	CCONJ
hassl-4524	215	10	rumble	rumble	ADJ
hassl-4524	215	11	,	,	PUNCT
hassl-4524	215	12	2006	2006	NUM
hassl-4524	215	13	)	)	PUNCT
hassl-4524	215	14	,	,	PUNCT
hassl-4524	215	15	who	who	PRON
hassl-4524	215	16	caution	caution	VERB
hassl-4524	215	17	that	that	SCONJ
hassl-4524	215	18	excessive	excessive	ADJ
hassl-4524	215	19	reliance	reliance	NOUN
hassl-4524	215	20	on	on	ADP
hassl-4524	215	21	non	non	ADJ
hassl-4524	215	22	-	-	ADJ
hassl-4524	215	23	interest	interest	ADJ
hassl-4524	215	24	income	income	NOUN
hassl-4524	215	25	can	can	AUX
hassl-4524	215	26	increase	increase	VERB
hassl-4524	215	27	earnings	earning	NOUN
hassl-4524	215	28	volatility	volatility	NOUN
hassl-4524	215	29	,	,	PUNCT
hassl-4524	215	30	particularly	particularly	ADV
hassl-4524	215	31	for	for	ADP
hassl-4524	215	32	banks	bank	NOUN
hassl-4524	215	33	engaged	engage	VERB
hassl-4524	215	34	in	in	ADP
hassl-4524	215	35	trading	trading	NOUN
hassl-4524	215	36	and	and	CCONJ
hassl-4524	215	37	investment	investment	NOUN
hassl-4524	215	38	services	service	NOUN
hassl-4524	215	39	.	.	PUNCT
hassl-4524	216	1	the	the	DET
hassl-4524	216	2	interaction	interaction	NOUN
hassl-4524	216	3	between	between	ADP
hassl-4524	216	4	digital	digital	ADJ
hassl-4524	216	5	transformation	transformation	NOUN
hassl-4524	216	6	and	and	CCONJ
hassl-4524	216	7	income	income	NOUN
hassl-4524	216	8	diversification	diversification	NOUN
hassl-4524	216	9	further	far	ADV
hassl-4524	216	10	amplifies	amplify	VERB
hassl-4524	216	11	financial	financial	ADJ
hassl-4524	216	12	stability	stability	NOUN
hassl-4524	216	13	.	.	PUNCT
hassl-4524	217	1	the	the	DET
hassl-4524	217	2	significant	significant	ADJ
hassl-4524	217	3	coefficient	coefficient	NOUN
hassl-4524	217	4	of	of	ADP
hassl-4524	217	5	dt*div	dt*div	PROPN
hassl-4524	217	6	suggests	suggest	VERB
hassl-4524	217	7	that	that	SCONJ
hassl-4524	217	8	banks	bank	NOUN
hassl-4524	217	9	integrating	integrate	VERB
hassl-4524	217	10	digital	digital	ADJ
hassl-4524	217	11	technology	technology	NOUN
hassl-4524	217	12	with	with	ADP
hassl-4524	217	13	a	a	DET
hassl-4524	217	14	well	well	ADV
hassl-4524	217	15	-	-	PUNCT
hassl-4524	217	16	structured	structure	VERB
hassl-4524	217	17	diversification	diversification	NOUN
hassl-4524	217	18	strategy	strategy	NOUN
hassl-4524	217	19	achieve	achieve	VERB
hassl-4524	217	20	superior	superior	ADJ
hassl-4524	217	21	financial	financial	ADJ
hassl-4524	217	22	resilience	resilience	NOUN
hassl-4524	217	23	.	.	PUNCT
hassl-4524	218	1	this	this	DET
hassl-4524	218	2	finding	finding	NOUN
hassl-4524	218	3	is	be	AUX
hassl-4524	218	4	consistent	consistent	ADJ
hassl-4524	218	5	with	with	ADP
hassl-4524	218	6	khattak	khattak	PROPN
hassl-4524	218	7	et	et	PROPN
hassl-4524	218	8	al	al	PROPN
hassl-4524	218	9	.	.	PROPN
hassl-4524	219	1	(	(	PUNCT
hassl-4524	219	2	2023	2023	NUM
hassl-4524	219	3	)	)	PUNCT
hassl-4524	219	4	,	,	PUNCT
hassl-4524	219	5	who	who	PRON
hassl-4524	219	6	highlight	highlight	VERB
hassl-4524	219	7	that	that	DET
hassl-4524	219	8	digitalization	digitalization	NOUN
hassl-4524	219	9	is	be	AUX
hassl-4524	219	10	most	most	ADV
hassl-4524	219	11	beneficial	beneficial	ADJ
hassl-4524	219	12	when	when	SCONJ
hassl-4524	219	13	accompanied	accompany	VERB
hassl-4524	219	14	by	by	ADP
hassl-4524	219	15	income	income	NOUN
hassl-4524	219	16	stream	stream	NOUN
hassl-4524	219	17	expansion	expansion	NOUN
hassl-4524	219	18	.	.	PUNCT
hassl-4524	220	1	digital	digital	ADJ
hassl-4524	220	2	platforms	platform	NOUN
hassl-4524	220	3	provide	provide	VERB
hassl-4524	220	4	new	new	ADJ
hassl-4524	220	5	revenue	revenue	NOUN
hassl-4524	220	6	opportunities	opportunity	NOUN
hassl-4524	220	7	through	through	ADP
hassl-4524	220	8	transaction	transaction	NOUN
hassl-4524	220	9	fees	fee	NOUN
hassl-4524	220	10	,	,	PUNCT
hassl-4524	220	11	digital	digital	ADJ
hassl-4524	220	12	insurance	insurance	NOUN
hassl-4524	220	13	,	,	PUNCT
hassl-4524	220	14	and	and	CCONJ
hassl-4524	220	15	investment	investment	NOUN
hassl-4524	220	16	advisory	advisory	ADJ
hassl-4524	220	17	services	service	NOUN
hassl-4524	220	18	,	,	PUNCT
hassl-4524	220	19	reducing	reduce	VERB
hassl-4524	220	20	banks	bank	NOUN
hassl-4524	220	21	’	'	PUNCT
hassl-4524	220	22	dependence	dependence	NOUN
hassl-4524	220	23	on	on	ADP
hassl-4524	220	24	traditional	traditional	ADJ
hassl-4524	220	25	lending	lending	NOUN
hassl-4524	220	26	activities	activity	NOUN
hassl-4524	220	27	.	.	PUNCT
hassl-4524	221	1	the	the	DET
hassl-4524	221	2	combination	combination	NOUN
hassl-4524	221	3	of	of	ADP
hassl-4524	221	4	digital	digital	ADJ
hassl-4524	221	5	expansion	expansion	NOUN
hassl-4524	221	6	and	and	CCONJ
hassl-4524	221	7	income	income	NOUN
hassl-4524	221	8	diversification	diversification	NOUN
hassl-4524	221	9	enables	enable	VERB
hassl-4524	221	10	banks	bank	NOUN
hassl-4524	221	11	to	to	PART
hassl-4524	221	12	achieve	achieve	VERB
hassl-4524	221	13	economies	economy	NOUN
hassl-4524	221	14	of	of	ADP
hassl-4524	221	15	scale	scale	NOUN
hassl-4524	221	16	,	,	PUNCT
hassl-4524	221	17	lower	low	ADJ
hassl-4524	221	18	operational	operational	ADJ
hassl-4524	221	19	costs	cost	NOUN
hassl-4524	221	20	,	,	PUNCT
hassl-4524	221	21	and	and	CCONJ
hassl-4524	221	22	stabilize	stabilize	VERB
hassl-4524	221	23	cash	cash	NOUN
hassl-4524	221	24	flows	flow	NOUN
hassl-4524	221	25	,	,	PUNCT
hassl-4524	221	26	ultimately	ultimately	ADV
hassl-4524	221	27	enhancing	enhance	VERB
hassl-4524	221	28	their	their	PRON
hassl-4524	221	29	ability	ability	NOUN
hassl-4524	221	30	to	to	PART
hassl-4524	221	31	withstand	withstand	VERB
hassl-4524	221	32	economic	economic	ADJ
hassl-4524	221	33	shocks	shock	NOUN
hassl-4524	221	34	.	.	PUNCT
hassl-4524	222	1	these	these	DET
hassl-4524	222	2	results	result	NOUN
hassl-4524	222	3	align	align	VERB
hassl-4524	222	4	with	with	ADP
hassl-4524	222	5	ahamed	ahamed	PROPN
hassl-4524	222	6	(	(	PUNCT
hassl-4524	222	7	2017	2017	NUM
hassl-4524	222	8	)	)	PUNCT
hassl-4524	222	9	who	who	PRON
hassl-4524	222	10	found	find	VERB
hassl-4524	222	11	that	that	SCONJ
hassl-4524	222	12	banks	bank	NOUN
hassl-4524	222	13	leveraging	leverage	VERB
hassl-4524	222	14	digital	digital	ADJ
hassl-4524	222	15	financial	financial	ADJ
hassl-4524	222	16	services	service	NOUN
hassl-4524	222	17	alongside	alongside	ADP
hassl-4524	222	18	diversified	diversified	ADJ
hassl-4524	222	19	income	income	NOUN
hassl-4524	222	20	structures	structure	NOUN
hassl-4524	222	21	exhibit	exhibit	VERB
hassl-4524	222	22	lower	low	ADJ
hassl-4524	222	23	default	default	NOUN
hassl-4524	222	24	probabilities	probability	NOUN
hassl-4524	222	25	and	and	CCONJ
hassl-4524	222	26	stronger	strong	ADJ
hassl-4524	222	27	profitability	profitability	NOUN
hassl-4524	222	28	.	.	PUNCT
hassl-4524	223	1	at	at	ADP
hassl-4524	223	2	the	the	DET
hassl-4524	223	3	component	component	NOUN
hassl-4524	223	4	level	level	NOUN
hassl-4524	223	5	,	,	PUNCT
hassl-4524	223	6	not	not	PART
hassl-4524	223	7	all	all	DET
hassl-4524	223	8	aspects	aspect	NOUN
hassl-4524	223	9	of	of	ADP
hassl-4524	223	10	digital	digital	ADJ
hassl-4524	223	11	transformation	transformation	NOUN
hassl-4524	223	12	contribute	contribute	VERB
hassl-4524	223	13	equally	equally	ADV
hassl-4524	223	14	to	to	ADP
hassl-4524	223	15	stability	stability	NOUN
hassl-4524	223	16	.	.	PUNCT
hassl-4524	224	1	among	among	ADP
hassl-4524	224	2	the	the	DET
hassl-4524	224	3	digital	digital	ADJ
hassl-4524	224	4	transformation	transformation	NOUN
hassl-4524	224	5	factors	factor	NOUN
hassl-4524	224	6	examined	examine	VERB
hassl-4524	224	7	,	,	PUNCT
hassl-4524	224	8	analytics	analytic	NOUN
hassl-4524	224	9	and	and	CCONJ
hassl-4524	224	10	machine	machine	NOUN
hassl-4524	224	11	learning	learning	NOUN
hassl-4524	224	12	have	have	VERB
hassl-4524	224	13	the	the	DET
hassl-4524	224	14	most	most	ADV
hassl-4524	224	15	substantial	substantial	ADJ
hassl-4524	224	16	impact	impact	NOUN
hassl-4524	224	17	,	,	PUNCT
hassl-4524	224	18	reinforcing	reinforce	VERB
hassl-4524	224	19	the	the	DET
hassl-4524	224	20	humanities	humanity	NOUN
hassl-4524	224	21	and	and	CCONJ
hassl-4524	224	22	social	social	ADJ
hassl-4524	224	23	sciences	science	NOUN
hassl-4524	224	24	letters	letter	NOUN
hassl-4524	224	25	,	,	PUNCT
hassl-4524	224	26	2025	2025	NUM
hassl-4524	224	27	,	,	PUNCT
hassl-4524	224	28	13(4	13(4	NUM
hassl-4524	224	29	):	):	PUNCT
hassl-4524	224	30	1508	1508	NUM
hassl-4524	224	31	-	-	SYM
hassl-4524	224	32	1519	1519	NUM
hassl-4524	224	33	1517	1517	NUM
hassl-4524	224	34	©	©	PROPN
hassl-4524	224	35	2025	2025	NUM
hassl-4524	224	36	conscientia	conscientia	PROPN
hassl-4524	224	37	beam	beam	PROPN
hassl-4524	224	38	.	.	PUNCT
hassl-4524	225	1	all	all	DET
hassl-4524	225	2	rights	right	NOUN
hassl-4524	225	3	reserved	reserve	VERB
hassl-4524	225	4	.	.	PUNCT
hassl-4524	226	1	role	role	NOUN
hassl-4524	226	2	of	of	ADP
hassl-4524	226	3	data	data	NOUN
hassl-4524	226	4	-	-	PUNCT
hassl-4524	226	5	driven	drive	VERB
hassl-4524	226	6	decision	decision	NOUN
hassl-4524	226	7	-	-	PUNCT
hassl-4524	226	8	making	making	NOUN
hassl-4524	226	9	in	in	ADP
hassl-4524	226	10	risk	risk	NOUN
hassl-4524	226	11	management	management	NOUN
hassl-4524	226	12	.	.	PUNCT
hassl-4524	227	1	advanced	advanced	ADJ
hassl-4524	227	2	analytics	analytic	NOUN
hassl-4524	227	3	improve	improve	VERB
hassl-4524	227	4	loan	loan	NOUN
hassl-4524	227	5	assessments	assessment	NOUN
hassl-4524	227	6	,	,	PUNCT
hassl-4524	227	7	fraud	fraud	NOUN
hassl-4524	227	8	detection	detection	NOUN
hassl-4524	227	9	,	,	PUNCT
hassl-4524	227	10	and	and	CCONJ
hassl-4524	227	11	customer	customer	NOUN
hassl-4524	227	12	segmentation	segmentation	NOUN
hassl-4524	227	13	,	,	PUNCT
hassl-4524	227	14	leading	lead	VERB
hassl-4524	227	15	to	to	ADP
hassl-4524	227	16	better	well	ADJ
hassl-4524	227	17	financial	financial	ADJ
hassl-4524	227	18	stability	stability	NOUN
hassl-4524	227	19	(	(	PUNCT
hassl-4524	227	20	beccalli	beccalli	ADJ
hassl-4524	227	21	,	,	PUNCT
hassl-4524	227	22	2007	2007	NUM
hassl-4524	227	23	)	)	PUNCT
hassl-4524	227	24	.	.	PUNCT
hassl-4524	228	1	investment	investment	NOUN
hassl-4524	228	2	in	in	ADP
hassl-4524	228	3	digital	digital	ADJ
hassl-4524	228	4	infrastructure	infrastructure	NOUN
hassl-4524	228	5	and	and	CCONJ
hassl-4524	228	6	modern	modern	ADJ
hassl-4524	228	7	payment	payment	NOUN
hassl-4524	228	8	systems	system	NOUN
hassl-4524	228	9	also	also	ADV
hassl-4524	228	10	has	have	VERB
hassl-4524	228	11	a	a	DET
hassl-4524	228	12	positive	positive	ADJ
hassl-4524	228	13	effect	effect	NOUN
hassl-4524	228	14	,	,	PUNCT
hassl-4524	228	15	as	as	SCONJ
hassl-4524	228	16	efficient	efficient	ADJ
hassl-4524	228	17	transaction	transaction	NOUN
hassl-4524	228	18	processing	processing	NOUN
hassl-4524	228	19	reduces	reduce	VERB
hassl-4524	228	20	operational	operational	ADJ
hassl-4524	228	21	risks	risk	NOUN
hassl-4524	228	22	and	and	CCONJ
hassl-4524	228	23	improves	improve	VERB
hassl-4524	228	24	cost	cost	NOUN
hassl-4524	228	25	efficiency	efficiency	NOUN
hassl-4524	228	26	(	(	PUNCT
hassl-4524	228	27	valverde	valverde	PROPN
hassl-4524	228	28	&	&	CCONJ
hassl-4524	228	29	fernández	fernández	PROPN
hassl-4524	228	30	,	,	PUNCT
hassl-4524	228	31	2007	2007	NUM
hassl-4524	228	32	)	)	PUNCT
hassl-4524	228	33	.	.	PUNCT
hassl-4524	229	1	these	these	DET
hassl-4524	229	2	findings	finding	NOUN
hassl-4524	229	3	highlight	highlight	VERB
hassl-4524	229	4	the	the	DET
hassl-4524	229	5	importance	importance	NOUN
hassl-4524	229	6	of	of	ADP
hassl-4524	229	7	integrating	integrate	VERB
hassl-4524	229	8	robust	robust	ADJ
hassl-4524	229	9	data	datum	NOUN
hassl-4524	229	10	analytics	analytic	NOUN
hassl-4524	229	11	and	and	CCONJ
hassl-4524	229	12	payment	payment	NOUN
hassl-4524	229	13	innovations	innovation	NOUN
hassl-4524	229	14	into	into	ADP
hassl-4524	229	15	banking	banking	NOUN
hassl-4524	229	16	operations	operation	NOUN
hassl-4524	229	17	,	,	PUNCT
hassl-4524	229	18	consistent	consistent	ADJ
hassl-4524	229	19	with	with	ADP
hassl-4524	229	20	eisenhardt	eisenhardt	ADJ
hassl-4524	229	21	and	and	CCONJ
hassl-4524	229	22	martin	martin	PROPN
hassl-4524	229	23	(	(	PUNCT
hassl-4524	229	24	2000	2000	NUM
hassl-4524	229	25	)	)	PUNCT
hassl-4524	229	26	,	,	PUNCT
hassl-4524	229	27	who	who	PRON
hassl-4524	229	28	argue	argue	VERB
hassl-4524	229	29	that	that	SCONJ
hassl-4524	229	30	dynamic	dynamic	ADJ
hassl-4524	229	31	capabilities	capability	NOUN
hassl-4524	229	32	in	in	ADP
hassl-4524	229	33	digital	digital	ADJ
hassl-4524	229	34	infrastructure	infrastructure	NOUN
hassl-4524	229	35	significantly	significantly	ADV
hassl-4524	229	36	enhance	enhance	VERB
hassl-4524	229	37	financial	financial	ADJ
hassl-4524	229	38	resilience	resilience	NOUN
hassl-4524	229	39	.	.	PUNCT
hassl-4524	230	1	however	however	ADV
hassl-4524	230	2	,	,	PUNCT
hassl-4524	230	3	some	some	DET
hassl-4524	230	4	digitalization	digitalization	NOUN
hassl-4524	230	5	components	component	NOUN
hassl-4524	230	6	show	show	VERB
hassl-4524	230	7	limited	limited	ADJ
hassl-4524	230	8	influence	influence	NOUN
hassl-4524	230	9	on	on	ADP
hassl-4524	230	10	stability	stability	NOUN
hassl-4524	230	11	.	.	PUNCT
hassl-4524	231	1	internet	internet	NOUN
hassl-4524	231	2	and	and	CCONJ
hassl-4524	231	3	mobile	mobile	ADJ
hassl-4524	231	4	banking	banking	NOUN
hassl-4524	231	5	do	do	AUX
hassl-4524	231	6	not	not	PART
hassl-4524	231	7	exhibit	exhibit	VERB
hassl-4524	231	8	a	a	DET
hassl-4524	231	9	statistically	statistically	ADV
hassl-4524	231	10	significant	significant	ADJ
hassl-4524	231	11	effect	effect	NOUN
hassl-4524	231	12	,	,	PUNCT
hassl-4524	231	13	suggesting	suggest	VERB
hassl-4524	231	14	that	that	SCONJ
hassl-4524	231	15	these	these	DET
hassl-4524	231	16	technologies	technology	NOUN
hassl-4524	231	17	primarily	primarily	ADV
hassl-4524	231	18	function	function	VERB
hassl-4524	231	19	as	as	ADP
hassl-4524	231	20	distribution	distribution	NOUN
hassl-4524	231	21	channels	channel	NOUN
hassl-4524	231	22	rather	rather	ADV
hassl-4524	231	23	than	than	ADP
hassl-4524	231	24	direct	direct	ADJ
hassl-4524	231	25	drivers	driver	NOUN
hassl-4524	231	26	of	of	ADP
hassl-4524	231	27	risk	risk	NOUN
hassl-4524	231	28	reduction	reduction	NOUN
hassl-4524	231	29	.	.	PUNCT
hassl-4524	232	1	this	this	DET
hassl-4524	232	2	result	result	NOUN
hassl-4524	232	3	aligns	align	VERB
hassl-4524	232	4	with	with	ADP
hassl-4524	232	5	(	(	PUNCT
hassl-4524	232	6	deyoung	deyoung	PROPN
hassl-4524	232	7	&	&	CCONJ
hassl-4524	232	8	torna	torna	PROPN
hassl-4524	232	9	,	,	PUNCT
hassl-4524	232	10	2013	2013	NUM
hassl-4524	232	11	)	)	PUNCT
hassl-4524	232	12	,	,	PUNCT
hassl-4524	232	13	who	who	PRON
hassl-4524	232	14	found	find	VERB
hassl-4524	232	15	that	that	SCONJ
hassl-4524	232	16	digital	digital	ADJ
hassl-4524	232	17	banking	banking	NOUN
hassl-4524	232	18	services	service	NOUN
hassl-4524	232	19	enhance	enhance	VERB
hassl-4524	232	20	customer	customer	NOUN
hassl-4524	232	21	experience	experience	NOUN
hassl-4524	232	22	but	but	CCONJ
hassl-4524	232	23	do	do	AUX
hassl-4524	232	24	not	not	PART
hassl-4524	232	25	necessarily	necessarily	ADV
hassl-4524	232	26	improve	improve	VERB
hassl-4524	232	27	financial	financial	ADJ
hassl-4524	232	28	stability	stability	NOUN
hassl-4524	232	29	.	.	PUNCT
hassl-4524	233	1	cybersecurity	cybersecurity	NOUN
hassl-4524	233	2	investments	investment	NOUN
hassl-4524	233	3	also	also	ADV
hassl-4524	233	4	fail	fail	VERB
hassl-4524	233	5	to	to	PART
hassl-4524	233	6	demonstrate	demonstrate	VERB
hassl-4524	233	7	a	a	DET
hassl-4524	233	8	strong	strong	ADJ
hassl-4524	233	9	stabilizing	stabilizing	NOUN
hassl-4524	233	10	effect	effect	NOUN
hassl-4524	233	11	,	,	PUNCT
hassl-4524	233	12	potentially	potentially	ADV
hassl-4524	233	13	due	due	ADP
hassl-4524	233	14	to	to	ADP
hassl-4524	233	15	the	the	DET
hassl-4524	233	16	high	high	ADJ
hassl-4524	233	17	costs	cost	NOUN
hassl-4524	233	18	of	of	ADP
hassl-4524	233	19	security	security	NOUN
hassl-4524	233	20	measures	measure	NOUN
hassl-4524	233	21	,	,	PUNCT
hassl-4524	233	22	which	which	PRON
hassl-4524	233	23	may	may	AUX
hassl-4524	233	24	strain	strain	VERB
hassl-4524	233	25	profitability	profitability	NOUN
hassl-4524	233	26	in	in	ADP
hassl-4524	233	27	the	the	DET
hassl-4524	233	28	short	short	ADJ
hassl-4524	233	29	term	term	NOUN
hassl-4524	233	30	(	(	PUNCT
hassl-4524	233	31	uddin	uddin	NOUN
hassl-4524	233	32	et	et	PROPN
hassl-4524	233	33	al	al	PROPN
hassl-4524	233	34	.	.	PROPN
hassl-4524	233	35	,	,	PUNCT
hassl-4524	233	36	2020	2020	NUM
hassl-4524	233	37	)	)	PUNCT
hassl-4524	233	38	.	.	PUNCT
hassl-4524	234	1	similarly	similarly	ADV
hassl-4524	234	2	,	,	PUNCT
hassl-4524	234	3	fintech	fintech	NOUN
hassl-4524	234	4	adoption	adoption	NOUN
hassl-4524	234	5	does	do	AUX
hassl-4524	234	6	not	not	PART
hassl-4524	234	7	appear	appear	VERB
hassl-4524	234	8	to	to	PART
hassl-4524	234	9	significantly	significantly	ADV
hassl-4524	234	10	enhance	enhance	VERB
hassl-4524	234	11	stability	stability	NOUN
hassl-4524	234	12	,	,	PUNCT
hassl-4524	234	13	reflecting	reflect	VERB
hassl-4524	234	14	the	the	DET
hassl-4524	234	15	mixed	mixed	ADJ
hassl-4524	234	16	effects	effect	NOUN
hassl-4524	234	17	of	of	ADP
hassl-4524	234	18	digital	digital	ADJ
hassl-4524	234	19	lending	lending	NOUN
hassl-4524	234	20	.	.	PUNCT
hassl-4524	235	1	while	while	SCONJ
hassl-4524	235	2	fintech	fintech	NOUN
hassl-4524	235	3	-	-	PUNCT
hassl-4524	235	4	driven	drive	VERB
hassl-4524	235	5	financial	financial	ADJ
hassl-4524	235	6	services	service	NOUN
hassl-4524	235	7	improve	improve	VERB
hassl-4524	235	8	accessibility	accessibility	NOUN
hassl-4524	235	9	and	and	CCONJ
hassl-4524	235	10	streamline	streamline	VERB
hassl-4524	235	11	operations	operation	NOUN
hassl-4524	235	12	,	,	PUNCT
hassl-4524	235	13	they	they	PRON
hassl-4524	235	14	also	also	ADV
hassl-4524	235	15	introduce	introduce	VERB
hassl-4524	235	16	credit	credit	NOUN
hassl-4524	235	17	risks	risk	NOUN
hassl-4524	235	18	by	by	ADP
hassl-4524	235	19	loosening	loosen	VERB
hassl-4524	235	20	lending	lending	NOUN
hassl-4524	235	21	standards	standard	NOUN
hassl-4524	235	22	,	,	PUNCT
hassl-4524	235	23	which	which	PRON
hassl-4524	235	24	could	could	AUX
hassl-4524	235	25	increase	increase	VERB
hassl-4524	235	26	non	non	ADJ
hassl-4524	235	27	-	-	ADJ
hassl-4524	235	28	performing	performing	ADJ
hassl-4524	235	29	loans	loan	NOUN
hassl-4524	235	30	and	and	CCONJ
hassl-4524	235	31	offset	offset	VERB
hassl-4524	235	32	potential	potential	ADJ
hassl-4524	235	33	benefits	benefit	NOUN
hassl-4524	235	34	(	(	PUNCT
hassl-4524	235	35	brunnermeier	brunnermei	ADJ
hassl-4524	235	36	,	,	PUNCT
hassl-4524	235	37	2009	2009	NUM
hassl-4524	235	38	)	)	PUNCT
hassl-4524	235	39	.	.	PUNCT
hassl-4524	236	1	6	6	X
hassl-4524	236	2	.	.	X
hassl-4524	236	3	conclusion	conclusion	NOUN
hassl-4524	236	4	this	this	DET
hassl-4524	236	5	study	study	NOUN
hassl-4524	236	6	investigates	investigate	VERB
hassl-4524	236	7	the	the	DET
hassl-4524	236	8	impact	impact	NOUN
hassl-4524	236	9	of	of	ADP
hassl-4524	236	10	digital	digital	ADJ
hassl-4524	236	11	transformation	transformation	NOUN
hassl-4524	236	12	on	on	ADP
hassl-4524	236	13	the	the	DET
hassl-4524	236	14	financial	financial	ADJ
hassl-4524	236	15	stability	stability	NOUN
hassl-4524	236	16	of	of	ADP
hassl-4524	236	17	commercial	commercial	ADJ
hassl-4524	236	18	banks	bank	NOUN
hassl-4524	236	19	,	,	PUNCT
hassl-4524	236	20	with	with	ADP
hassl-4524	236	21	a	a	DET
hassl-4524	236	22	particular	particular	ADJ
hassl-4524	236	23	focus	focus	NOUN
hassl-4524	236	24	on	on	ADP
hassl-4524	236	25	the	the	DET
hassl-4524	236	26	mediating	mediate	VERB
hassl-4524	236	27	role	role	NOUN
hassl-4524	236	28	of	of	ADP
hassl-4524	236	29	income	income	NOUN
hassl-4524	236	30	diversification	diversification	NOUN
hassl-4524	236	31	.	.	PUNCT
hassl-4524	237	1	using	use	VERB
hassl-4524	237	2	data	datum	NOUN
hassl-4524	237	3	from	from	ADP
hassl-4524	237	4	22	22	NUM
hassl-4524	237	5	vietnamese	vietnamese	ADJ
hassl-4524	237	6	commercial	commercial	ADJ
hassl-4524	237	7	banks	bank	NOUN
hassl-4524	237	8	spanning	span	VERB
hassl-4524	237	9	2010	2010	NUM
hassl-4524	237	10	to	to	ADP
hassl-4524	237	11	2023	2023	NUM
hassl-4524	237	12	,	,	PUNCT
hassl-4524	237	13	the	the	DET
hassl-4524	237	14	analysis	analysis	NOUN
hassl-4524	237	15	employs	employ	VERB
hassl-4524	237	16	the	the	DET
hassl-4524	237	17	system	system	NOUN
hassl-4524	237	18	gmm	gmm	PROPN
hassl-4524	237	19	estimator	estimator	NOUN
hassl-4524	237	20	to	to	PART
hassl-4524	237	21	address	address	VERB
hassl-4524	237	22	endogeneity	endogeneity	NOUN
hassl-4524	237	23	and	and	CCONJ
hassl-4524	237	24	unobserved	unobserved	ADJ
hassl-4524	237	25	heterogeneity	heterogeneity	NOUN
hassl-4524	237	26	.	.	PUNCT
hassl-4524	238	1	the	the	DET
hassl-4524	238	2	empirical	empirical	ADJ
hassl-4524	238	3	results	result	NOUN
hassl-4524	238	4	demonstrate	demonstrate	VERB
hassl-4524	238	5	that	that	SCONJ
hassl-4524	238	6	both	both	CCONJ
hassl-4524	238	7	digital	digital	ADJ
hassl-4524	238	8	transformation	transformation	NOUN
hassl-4524	238	9	and	and	CCONJ
hassl-4524	238	10	income	income	NOUN
hassl-4524	238	11	diversification	diversification	NOUN
hassl-4524	238	12	have	have	VERB
hassl-4524	238	13	a	a	DET
hassl-4524	238	14	statistically	statistically	ADV
hassl-4524	238	15	significant	significant	ADJ
hassl-4524	238	16	and	and	CCONJ
hassl-4524	238	17	positive	positive	ADJ
hassl-4524	238	18	influence	influence	NOUN
hassl-4524	238	19	on	on	ADP
hassl-4524	238	20	bank	bank	NOUN
hassl-4524	238	21	stability	stability	NOUN
hassl-4524	238	22	.	.	PUNCT
hassl-4524	239	1	importantly	importantly	ADV
hassl-4524	239	2	,	,	PUNCT
hassl-4524	239	3	the	the	DET
hassl-4524	239	4	interaction	interaction	NOUN
hassl-4524	239	5	between	between	ADP
hassl-4524	239	6	the	the	DET
hassl-4524	239	7	two	two	NUM
hassl-4524	239	8	factors	factor	NOUN
hassl-4524	239	9	reveals	reveal	VERB
hassl-4524	239	10	that	that	SCONJ
hassl-4524	239	11	income	income	NOUN
hassl-4524	239	12	diversification	diversification	NOUN
hassl-4524	239	13	strengthens	strengthen	VERB
hassl-4524	239	14	the	the	DET
hassl-4524	239	15	stabilizing	stabilize	VERB
hassl-4524	239	16	effect	effect	NOUN
hassl-4524	239	17	of	of	ADP
hassl-4524	239	18	digitalization	digitalization	NOUN
hassl-4524	239	19	.	.	PUNCT
hassl-4524	240	1	not	not	PART
hassl-4524	240	2	all	all	DET
hassl-4524	240	3	aspects	aspect	NOUN
hassl-4524	240	4	of	of	ADP
hassl-4524	240	5	digital	digital	ADJ
hassl-4524	240	6	transformation	transformation	NOUN
hassl-4524	240	7	exert	exert	VERB
hassl-4524	240	8	the	the	DET
hassl-4524	240	9	same	same	ADJ
hassl-4524	240	10	influence	influence	NOUN
hassl-4524	240	11	.	.	PUNCT
hassl-4524	241	1	data	datum	NOUN
hassl-4524	241	2	analytics	analytic	NOUN
hassl-4524	241	3	and	and	CCONJ
hassl-4524	241	4	payment	payment	NOUN
hassl-4524	241	5	infrastructure	infrastructure	NOUN
hassl-4524	241	6	emerge	emerge	VERB
hassl-4524	241	7	as	as	ADP
hassl-4524	241	8	key	key	ADJ
hassl-4524	241	9	contributors	contributor	NOUN
hassl-4524	241	10	to	to	ADP
hassl-4524	241	11	financial	financial	ADJ
hassl-4524	241	12	resilience	resilience	NOUN
hassl-4524	241	13	,	,	PUNCT
hassl-4524	241	14	while	while	SCONJ
hassl-4524	241	15	technologies	technology	NOUN
hassl-4524	241	16	such	such	ADJ
hassl-4524	241	17	as	as	ADP
hassl-4524	241	18	mobile	mobile	ADJ
hassl-4524	241	19	banking	banking	NOUN
hassl-4524	241	20	,	,	PUNCT
hassl-4524	241	21	internet	internet	NOUN
hassl-4524	241	22	banking	banking	NOUN
hassl-4524	241	23	,	,	PUNCT
hassl-4524	241	24	and	and	CCONJ
hassl-4524	241	25	cybersecurity	cybersecurity	NOUN
hassl-4524	241	26	do	do	AUX
hassl-4524	241	27	not	not	PART
hassl-4524	241	28	exhibit	exhibit	VERB
hassl-4524	241	29	significant	significant	ADJ
hassl-4524	241	30	effects	effect	NOUN
hassl-4524	241	31	.	.	PUNCT
hassl-4524	242	1	this	this	PRON
hassl-4524	242	2	indicates	indicate	VERB
hassl-4524	242	3	that	that	SCONJ
hassl-4524	242	4	back	back	NOUN
hassl-4524	242	5	-	-	PUNCT
hassl-4524	242	6	end	end	NOUN
hassl-4524	242	7	capabilities	capability	NOUN
hassl-4524	242	8	and	and	CCONJ
hassl-4524	242	9	data	datum	NOUN
hassl-4524	242	10	-	-	PUNCT
hassl-4524	242	11	driven	drive	VERB
hassl-4524	242	12	innovations	innovation	NOUN
hassl-4524	242	13	are	be	AUX
hassl-4524	242	14	more	more	ADV
hassl-4524	242	15	critical	critical	ADJ
hassl-4524	242	16	to	to	ADP
hassl-4524	242	17	stability	stability	NOUN
hassl-4524	242	18	than	than	ADP
hassl-4524	242	19	customer	customer	NOUN
hassl-4524	242	20	-	-	PUNCT
hassl-4524	242	21	facing	face	VERB
hassl-4524	242	22	digital	digital	ADJ
hassl-4524	242	23	channels	channel	NOUN
hassl-4524	242	24	.	.	PUNCT
hassl-4524	243	1	moreover	moreover	ADV
hassl-4524	243	2	,	,	PUNCT
hassl-4524	243	3	fintech	fintech	NOUN
hassl-4524	243	4	adoption	adoption	NOUN
hassl-4524	243	5	shows	show	VERB
hassl-4524	243	6	limited	limited	ADJ
hassl-4524	243	7	stabilizing	stabilizing	NOUN
hassl-4524	243	8	impact	impact	NOUN
hassl-4524	243	9	,	,	PUNCT
hassl-4524	243	10	potentially	potentially	ADV
hassl-4524	243	11	reflecting	reflect	VERB
hassl-4524	243	12	credit	credit	NOUN
hassl-4524	243	13	risks	risk	NOUN
hassl-4524	243	14	associated	associate	VERB
hassl-4524	243	15	with	with	ADP
hassl-4524	243	16	digital	digital	ADJ
hassl-4524	243	17	lending	lending	NOUN
hassl-4524	243	18	platforms	platform	NOUN
hassl-4524	243	19	.	.	PUNCT
hassl-4524	244	1	these	these	DET
hassl-4524	244	2	findings	finding	NOUN
hassl-4524	244	3	yield	yield	VERB
hassl-4524	244	4	important	important	ADJ
hassl-4524	244	5	managerial	managerial	ADJ
hassl-4524	244	6	and	and	CCONJ
hassl-4524	244	7	policy	policy	NOUN
hassl-4524	244	8	implications	implication	NOUN
hassl-4524	244	9	.	.	PUNCT
hassl-4524	245	1	for	for	ADP
hassl-4524	245	2	bank	bank	NOUN
hassl-4524	245	3	managers	manager	NOUN
hassl-4524	245	4	,	,	PUNCT
hassl-4524	245	5	the	the	DET
hassl-4524	245	6	results	result	NOUN
hassl-4524	245	7	highlight	highlight	VERB
hassl-4524	245	8	the	the	DET
hassl-4524	245	9	need	need	NOUN
hassl-4524	245	10	for	for	ADP
hassl-4524	245	11	a	a	DET
hassl-4524	245	12	strategic	strategic	ADJ
hassl-4524	245	13	and	and	CCONJ
hassl-4524	245	14	selective	selective	ADJ
hassl-4524	245	15	approach	approach	NOUN
hassl-4524	245	16	to	to	ADP
hassl-4524	245	17	digital	digital	ADJ
hassl-4524	245	18	investments	investment	NOUN
hassl-4524	245	19	,	,	PUNCT
hassl-4524	245	20	focusing	focus	VERB
hassl-4524	245	21	on	on	ADP
hassl-4524	245	22	components	component	NOUN
hassl-4524	245	23	that	that	PRON
hassl-4524	245	24	directly	directly	ADV
hassl-4524	245	25	enhance	enhance	VERB
hassl-4524	245	26	operational	operational	ADJ
hassl-4524	245	27	efficiency	efficiency	NOUN
hassl-4524	245	28	and	and	CCONJ
hassl-4524	245	29	risk	risk	NOUN
hassl-4524	245	30	control	control	NOUN
hassl-4524	245	31	.	.	PUNCT
hassl-4524	246	1	integrating	integrate	VERB
hassl-4524	246	2	such	such	ADJ
hassl-4524	246	3	efforts	effort	NOUN
hassl-4524	246	4	with	with	ADP
hassl-4524	246	5	income	income	NOUN
hassl-4524	246	6	diversification	diversification	NOUN
hassl-4524	246	7	strategies	strategy	NOUN
hassl-4524	246	8	—	—	PUNCT
hassl-4524	246	9	particularly	particularly	ADV
hassl-4524	246	10	through	through	ADP
hassl-4524	246	11	non	non	ADJ
hassl-4524	246	12	-	-	ADJ
hassl-4524	246	13	interest	interest	ADJ
hassl-4524	246	14	income	income	NOUN
hassl-4524	246	15	sources	source	NOUN
hassl-4524	246	16	like	like	ADP
hassl-4524	246	17	fees	fee	NOUN
hassl-4524	246	18	and	and	CCONJ
hassl-4524	246	19	digital	digital	ADJ
hassl-4524	246	20	services	service	NOUN
hassl-4524	246	21	can	can	AUX
hassl-4524	246	22	magnify	magnify	VERB
hassl-4524	246	23	stability	stability	NOUN
hassl-4524	246	24	gains	gain	NOUN
hassl-4524	246	25	.	.	PUNCT
hassl-4524	247	1	for	for	ADP
hassl-4524	247	2	policymakers	policymaker	NOUN
hassl-4524	247	3	,	,	PUNCT
hassl-4524	247	4	the	the	DET
hassl-4524	247	5	study	study	NOUN
hassl-4524	247	6	underscores	underscore	VERB
hassl-4524	247	7	the	the	DET
hassl-4524	247	8	value	value	NOUN
hassl-4524	247	9	of	of	ADP
hassl-4524	247	10	encouraging	encourage	VERB
hassl-4524	247	11	responsible	responsible	ADJ
hassl-4524	247	12	digital	digital	ADJ
hassl-4524	247	13	innovation	innovation	NOUN
hassl-4524	247	14	while	while	SCONJ
hassl-4524	247	15	maintaining	maintain	VERB
hassl-4524	247	16	a	a	DET
hassl-4524	247	17	robust	robust	ADJ
hassl-4524	247	18	regulatory	regulatory	ADJ
hassl-4524	247	19	framework	framework	NOUN
hassl-4524	247	20	to	to	PART
hassl-4524	247	21	safeguard	safeguard	VERB
hassl-4524	247	22	financial	financial	ADJ
hassl-4524	247	23	stability	stability	NOUN
hassl-4524	247	24	during	during	ADP
hassl-4524	247	25	technological	technological	ADJ
hassl-4524	247	26	transitions	transition	NOUN
hassl-4524	247	27	.	.	PUNCT
hassl-4524	248	1	a	a	DET
hassl-4524	248	2	key	key	ADJ
hassl-4524	248	3	methodological	methodological	ADJ
hassl-4524	248	4	contribution	contribution	NOUN
hassl-4524	248	5	of	of	ADP
hassl-4524	248	6	this	this	DET
hassl-4524	248	7	research	research	NOUN
hassl-4524	248	8	is	be	AUX
hassl-4524	248	9	the	the	DET
hassl-4524	248	10	application	application	NOUN
hassl-4524	248	11	of	of	ADP
hassl-4524	248	12	textual	textual	ADJ
hassl-4524	248	13	analysis	analysis	NOUN
hassl-4524	248	14	to	to	PART
hassl-4524	248	15	measure	measure	VERB
hassl-4524	248	16	digital	digital	ADJ
hassl-4524	248	17	transformation	transformation	NOUN
hassl-4524	248	18	,	,	PUNCT
hassl-4524	248	19	using	use	VERB
hassl-4524	248	20	term	term	NOUN
hassl-4524	248	21	frequency	frequency	NOUN
hassl-4524	248	22	-	-	PUNCT
hassl-4524	248	23	inverse	inverse	NOUN
hassl-4524	248	24	document	document	NOUN
hassl-4524	248	25	frequency	frequency	NOUN
hassl-4524	248	26	scores	score	NOUN
hassl-4524	248	27	based	base	VERB
hassl-4524	248	28	on	on	ADP
hassl-4524	248	29	annual	annual	ADJ
hassl-4524	248	30	report	report	NOUN
hassl-4524	248	31	content	content	NOUN
hassl-4524	248	32	.	.	PUNCT
hassl-4524	249	1	this	this	DET
hassl-4524	249	2	approach	approach	NOUN
hassl-4524	249	3	offers	offer	VERB
hassl-4524	249	4	a	a	DET
hassl-4524	249	5	transparent	transparent	ADJ
hassl-4524	249	6	,	,	PUNCT
hassl-4524	249	7	replicable	replicable	ADJ
hassl-4524	249	8	method	method	NOUN
hassl-4524	249	9	for	for	ADP
hassl-4524	249	10	quantifying	quantify	VERB
hassl-4524	249	11	technological	technological	ADJ
hassl-4524	249	12	orientation	orientation	NOUN
hassl-4524	249	13	at	at	ADP
hassl-4524	249	14	the	the	DET
hassl-4524	249	15	bank	bank	NOUN
hassl-4524	249	16	level	level	NOUN
hassl-4524	249	17	and	and	CCONJ
hassl-4524	249	18	provides	provide	VERB
hassl-4524	249	19	new	new	ADJ
hassl-4524	249	20	insights	insight	NOUN
hassl-4524	249	21	into	into	ADP
hassl-4524	249	22	how	how	SCONJ
hassl-4524	249	23	digital	digital	ADJ
hassl-4524	249	24	narratives	narrative	NOUN
hassl-4524	249	25	reflect	reflect	VERB
hassl-4524	249	26	actual	actual	ADJ
hassl-4524	249	27	digital	digital	ADJ
hassl-4524	249	28	activity	activity	NOUN
hassl-4524	249	29	.	.	PUNCT
hassl-4524	250	1	despite	despite	SCONJ
hassl-4524	250	2	its	its	PRON
hassl-4524	250	3	contributions	contribution	NOUN
hassl-4524	250	4	,	,	PUNCT
hassl-4524	250	5	the	the	DET
hassl-4524	250	6	study	study	NOUN
hassl-4524	250	7	has	have	VERB
hassl-4524	250	8	certain	certain	ADJ
hassl-4524	250	9	limitations	limitation	NOUN
hassl-4524	250	10	.	.	PUNCT
hassl-4524	251	1	it	it	PRON
hassl-4524	251	2	does	do	AUX
hassl-4524	251	3	not	not	PART
hassl-4524	251	4	distinguish	distinguish	VERB
hassl-4524	251	5	between	between	ADP
hassl-4524	251	6	different	different	ADJ
hassl-4524	251	7	bank	bank	NOUN
hassl-4524	251	8	types	type	NOUN
hassl-4524	251	9	(	(	PUNCT
hassl-4524	251	10	e.g.	e.g.	ADV
hassl-4524	251	11	,	,	PUNCT
hassl-4524	251	12	state	state	NOUN
hassl-4524	251	13	-	-	PUNCT
hassl-4524	251	14	owned	own	VERB
hassl-4524	251	15	vs.	vs.	ADP
hassl-4524	251	16	private	private	ADJ
hassl-4524	251	17	,	,	PUNCT
hassl-4524	251	18	large	large	ADJ
hassl-4524	251	19	vs.	vs.	X
hassl-4524	251	20	small	small	ADJ
hassl-4524	251	21	)	)	PUNCT
hassl-4524	251	22	,	,	PUNCT
hassl-4524	251	23	which	which	PRON
hassl-4524	251	24	may	may	AUX
hassl-4524	251	25	respond	respond	VERB
hassl-4524	251	26	differently	differently	ADV
hassl-4524	251	27	to	to	ADP
hassl-4524	251	28	digital	digital	ADJ
hassl-4524	251	29	transformation	transformation	NOUN
hassl-4524	251	30	.	.	PUNCT
hassl-4524	252	1	future	future	ADJ
hassl-4524	252	2	research	research	NOUN
hassl-4524	252	3	could	could	AUX
hassl-4524	252	4	incorporate	incorporate	VERB
hassl-4524	252	5	this	this	DET
hassl-4524	252	6	heterogeneity	heterogeneity	NOUN
hassl-4524	252	7	to	to	PART
hassl-4524	252	8	enhance	enhance	VERB
hassl-4524	252	9	the	the	DET
hassl-4524	252	10	analysis	analysis	NOUN
hassl-4524	252	11	.	.	PUNCT
hassl-4524	253	1	moreover	moreover	ADV
hassl-4524	253	2	,	,	PUNCT
hassl-4524	253	3	the	the	DET
hassl-4524	253	4	sample	sample	NOUN
hassl-4524	253	5	is	be	AUX
hassl-4524	253	6	limited	limit	VERB
hassl-4524	253	7	to	to	ADP
hassl-4524	253	8	vietnamese	vietnamese	ADJ
hassl-4524	253	9	banks	bank	NOUN
hassl-4524	253	10	and	and	CCONJ
hassl-4524	253	11	the	the	DET
hassl-4524	253	12	2010–2023	2010–2023	NUM
hassl-4524	253	13	period	period	NOUN
hassl-4524	253	14	.	.	PUNCT
hassl-4524	254	1	broader	broad	ADJ
hassl-4524	254	2	,	,	PUNCT
hassl-4524	254	3	cross	cross	ADJ
hassl-4524	254	4	-	-	ADJ
hassl-4524	254	5	country	country	ADJ
hassl-4524	254	6	comparisons	comparison	NOUN
hassl-4524	254	7	and	and	CCONJ
hassl-4524	254	8	extended	extended	ADJ
hassl-4524	254	9	timeframes	timeframe	NOUN
hassl-4524	254	10	could	could	AUX
hassl-4524	254	11	provide	provide	VERB
hassl-4524	254	12	a	a	DET
hassl-4524	254	13	more	more	ADV
hassl-4524	254	14	comprehensive	comprehensive	ADJ
hassl-4524	254	15	understanding	understanding	NOUN
hassl-4524	254	16	of	of	ADP
hassl-4524	254	17	how	how	SCONJ
hassl-4524	254	18	digital	digital	ADJ
hassl-4524	254	19	transformation	transformation	NOUN
hassl-4524	254	20	and	and	CCONJ
hassl-4524	254	21	income	income	NOUN
hassl-4524	254	22	diversification	diversification	NOUN
hassl-4524	254	23	interact	interact	VERB
hassl-4524	254	24	to	to	PART
hassl-4524	254	25	affect	affect	VERB
hassl-4524	254	26	bank	bank	NOUN
hassl-4524	254	27	stability	stability	NOUN
hassl-4524	254	28	in	in	ADP
hassl-4524	254	29	diverse	diverse	ADJ
hassl-4524	254	30	regulatory	regulatory	ADJ
hassl-4524	254	31	and	and	CCONJ
hassl-4524	254	32	economic	economic	ADJ
hassl-4524	254	33	environments	environment	NOUN
hassl-4524	254	34	.	.	PUNCT
hassl-4524	255	1	humanities	humanity	NOUN
hassl-4524	255	2	and	and	CCONJ
hassl-4524	255	3	social	social	ADJ
hassl-4524	255	4	sciences	science	NOUN
hassl-4524	255	5	letters	letter	NOUN
hassl-4524	255	6	,	,	PUNCT
hassl-4524	255	7	2025	2025	NUM
hassl-4524	255	8	,	,	PUNCT
hassl-4524	255	9	13(4	13(4	NUM
hassl-4524	255	10	):	):	PUNCT
hassl-4524	255	11	1508	1508	NUM
hassl-4524	255	12	-	-	SYM
hassl-4524	255	13	1519	1519	NUM
hassl-4524	255	14	1518	1518	NUM
hassl-4524	255	15	©	©	PROPN
hassl-4524	255	16	2025	2025	NUM
hassl-4524	255	17	conscientia	conscientia	PROPN
hassl-4524	255	18	beam	beam	PROPN
hassl-4524	255	19	.	.	PUNCT
hassl-4524	256	1	all	all	DET
hassl-4524	256	2	rights	right	NOUN
hassl-4524	256	3	reserved	reserve	VERB
hassl-4524	256	4	.	.	PUNCT
hassl-4524	257	1	funding	funding	NOUN
hassl-4524	257	2	:	:	PUNCT
hassl-4524	257	3	this	this	DET
hassl-4524	257	4	research	research	NOUN
hassl-4524	257	5	is	be	AUX
hassl-4524	257	6	supported	support	VERB
hassl-4524	257	7	by	by	ADP
hassl-4524	257	8	banking	banking	NOUN
hassl-4524	257	9	academy	academy	PROPN
hassl-4524	257	10	of	of	ADP
hassl-4524	257	11	vietnam	vietnam	PROPN
hassl-4524	257	12	(	(	PUNCT
hassl-4524	257	13	grant	grant	PROPN
hassl-4524	257	14	number	number	NOUN
hassl-4524	257	15	:	:	PUNCT
hassl-4524	257	16	4990	4990	NUM
hassl-4524	257	17	/	/	SYM
hassl-4524	257	18	tb	tb	NOUN
hassl-4524	257	19	-	-	PUNCT
hassl-4524	257	20	hvnh	hvnh	NOUN
hassl-4524	257	21	)	)	PUNCT
hassl-4524	257	22	.	.	PUNCT
hassl-4524	258	1	institutional	institutional	ADJ
hassl-4524	258	2	review	review	PROPN
hassl-4524	258	3	board	board	NOUN
hassl-4524	258	4	statement	statement	NOUN
hassl-4524	258	5	:	:	PUNCT
hassl-4524	258	6	not	not	PART
hassl-4524	258	7	applicable	applicable	ADJ
hassl-4524	258	8	.	.	PUNCT
hassl-4524	259	1	transparency	transparency	NOUN
hassl-4524	259	2	:	:	PUNCT
hassl-4524	259	3	the	the	DET
hassl-4524	259	4	authors	author	NOUN
hassl-4524	259	5	state	state	VERB
hassl-4524	259	6	that	that	SCONJ
hassl-4524	259	7	the	the	DET
hassl-4524	259	8	manuscript	manuscript	NOUN
hassl-4524	259	9	is	be	AUX
hassl-4524	259	10	honest	honest	ADJ
hassl-4524	259	11	,	,	PUNCT
hassl-4524	259	12	truthful	truthful	ADJ
hassl-4524	259	13	,	,	PUNCT
hassl-4524	259	14	and	and	CCONJ
hassl-4524	259	15	transparent	transparent	ADJ
hassl-4524	259	16	,	,	PUNCT
hassl-4524	259	17	that	that	SCONJ
hassl-4524	259	18	no	no	DET
hassl-4524	259	19	key	key	ADJ
hassl-4524	259	20	aspects	aspect	NOUN
hassl-4524	259	21	of	of	ADP
hassl-4524	259	22	the	the	DET
hassl-4524	259	23	investigation	investigation	NOUN
hassl-4524	259	24	have	have	AUX
hassl-4524	259	25	been	be	AUX
hassl-4524	259	26	omitted	omit	VERB
hassl-4524	259	27	,	,	PUNCT
hassl-4524	259	28	and	and	CCONJ
hassl-4524	259	29	that	that	SCONJ
hassl-4524	259	30	any	any	DET
hassl-4524	259	31	differences	difference	NOUN
hassl-4524	259	32	from	from	ADP
hassl-4524	259	33	the	the	DET
hassl-4524	259	34	study	study	NOUN
hassl-4524	259	35	as	as	SCONJ
hassl-4524	259	36	planned	plan	VERB
hassl-4524	259	37	have	have	AUX
hassl-4524	259	38	been	be	AUX
hassl-4524	259	39	clarified	clarify	VERB
hassl-4524	259	40	.	.	PUNCT
hassl-4524	260	1	this	this	DET
hassl-4524	260	2	study	study	NOUN
hassl-4524	260	3	followed	follow	VERB
hassl-4524	260	4	all	all	PRON
hassl-4524	260	5	writing	write	VERB
hassl-4524	260	6	ethics	ethic	NOUN
hassl-4524	260	7	.	.	PUNCT
hassl-4524	261	1	competing	compete	VERB
hassl-4524	261	2	interests	interest	NOUN
hassl-4524	261	3	:	:	PUNCT
hassl-4524	261	4	the	the	DET
hassl-4524	261	5	authors	author	NOUN
hassl-4524	261	6	declare	declare	VERB
hassl-4524	261	7	that	that	SCONJ
hassl-4524	261	8	they	they	PRON
hassl-4524	261	9	have	have	VERB
hassl-4524	261	10	no	no	DET
hassl-4524	261	11	competing	compete	VERB
hassl-4524	261	12	interests	interest	NOUN
hassl-4524	261	13	.	.	PUNCT
hassl-4524	262	1	authors	author	NOUN
hassl-4524	262	2	’	'	PUNCT
hassl-4524	262	3	contributions	contribution	NOUN
hassl-4524	262	4	:	:	PUNCT
hassl-4524	262	5	all	all	DET
hassl-4524	262	6	authors	author	NOUN
hassl-4524	262	7	contributed	contribute	VERB
hassl-4524	262	8	equally	equally	ADV
hassl-4524	262	9	to	to	ADP
hassl-4524	262	10	the	the	DET
hassl-4524	262	11	conception	conception	NOUN
hassl-4524	262	12	and	and	CCONJ
hassl-4524	262	13	design	design	NOUN
hassl-4524	262	14	of	of	ADP
hassl-4524	262	15	the	the	DET
hassl-4524	262	16	study	study	NOUN
hassl-4524	262	17	.	.	PUNCT
hassl-4524	263	1	all	all	DET
hassl-4524	263	2	authors	author	NOUN
hassl-4524	263	3	have	have	AUX
hassl-4524	263	4	read	read	VERB
hassl-4524	263	5	and	and	CCONJ
hassl-4524	263	6	agreed	agree	VERB
hassl-4524	263	7	to	to	ADP
hassl-4524	263	8	the	the	DET
hassl-4524	263	9	published	publish	VERB
hassl-4524	263	10	version	version	NOUN
hassl-4524	263	11	of	of	ADP
hassl-4524	263	12	the	the	DET
hassl-4524	263	13	manuscript	manuscript	NOUN
hassl-4524	263	14	.	.	PUNCT
hassl-4524	264	1	references	reference	NOUN
hassl-4524	264	2	abuzayed	abuzaye	VERB
hassl-4524	264	3	,	,	PUNCT
hassl-4524	264	4	b.	b.	PROPN
hassl-4524	264	5	,	,	PUNCT
hassl-4524	264	6	al	al	PROPN
hassl-4524	264	7	-	-	PROPN
hassl-4524	264	8	fayoumi	fayoumi	PROPN
hassl-4524	264	9	,	,	PUNCT
hassl-4524	264	10	n.	n.	NOUN
hassl-4524	264	11	,	,	PUNCT
hassl-4524	264	12	&	&	CCONJ
hassl-4524	264	13	molyneux	molyneux	PROPN
hassl-4524	264	14	,	,	PUNCT
hassl-4524	264	15	p.	p.	NOUN
hassl-4524	264	16	(	(	PUNCT
hassl-4524	264	17	2018	2018	NUM
hassl-4524	264	18	)	)	PUNCT
hassl-4524	264	19	.	.	PUNCT
hassl-4524	265	1	diversification	diversification	NOUN
hassl-4524	265	2	and	and	CCONJ
hassl-4524	265	3	bank	bank	NOUN
hassl-4524	265	4	stability	stability	NOUN
hassl-4524	265	5	in	in	ADP
hassl-4524	265	6	the	the	DET
hassl-4524	265	7	gcc	gcc	NOUN
hassl-4524	265	8	.	.	PUNCT
hassl-4524	266	1	journal	journal	PROPN
hassl-4524	266	2	of	of	ADP
hassl-4524	266	3	international	international	ADJ
hassl-4524	266	4	financial	financial	ADJ
hassl-4524	266	5	markets	market	NOUN
hassl-4524	266	6	,	,	PUNCT
hassl-4524	266	7	institutions	institution	NOUN
hassl-4524	266	8	and	and	CCONJ
hassl-4524	266	9	money	money	NOUN
hassl-4524	266	10	,	,	PUNCT
hassl-4524	266	11	57	57	NUM
hassl-4524	266	12	,	,	PUNCT
hassl-4524	266	13	17–43	17–43	NUM
hassl-4524	266	14	.	.	PUNCT
hassl-4524	267	1	https://doi.org/10.1016/j.intfin.2018.04.005	https://doi.org/10.1016/j.intfin.2018.04.005	NOUN
hassl-4524	267	2	adusei	adusei	NOUN
hassl-4524	267	3	,	,	PUNCT
hassl-4524	267	4	m.	m.	NOUN
hassl-4524	267	5	(	(	PUNCT
hassl-4524	267	6	2015	2015	NUM
hassl-4524	267	7	)	)	PUNCT
hassl-4524	267	8	.	.	PUNCT
hassl-4524	268	1	the	the	DET
hassl-4524	268	2	impact	impact	NOUN
hassl-4524	268	3	of	of	ADP
hassl-4524	268	4	bank	bank	NOUN
hassl-4524	268	5	size	size	NOUN
hassl-4524	268	6	and	and	CCONJ
hassl-4524	268	7	funding	funding	NOUN
hassl-4524	268	8	risk	risk	NOUN
hassl-4524	268	9	on	on	ADP
hassl-4524	268	10	bank	bank	NOUN
hassl-4524	268	11	stability	stability	NOUN
hassl-4524	268	12	.	.	PUNCT
hassl-4524	269	1	cogent	cogent	NOUN
hassl-4524	269	2	economics	economics	PROPN
hassl-4524	269	3	&	&	CCONJ
hassl-4524	269	4	finance	finance	PROPN
hassl-4524	269	5	,	,	PUNCT
hassl-4524	269	6	3(1	3(1	NUM
hassl-4524	269	7	)	)	PUNCT
hassl-4524	269	8	,	,	PUNCT
hassl-4524	269	9	1111489	1111489	NUM
hassl-4524	269	10	.	.	PUNCT
hassl-4524	270	1	https://doi.org/10.1080/23322039.2015.1111489	https://doi.org/10.1080/23322039.2015.1111489	PROPN
hassl-4524	270	2	ahamed	ahamed	PROPN
hassl-4524	270	3	,	,	PUNCT
hassl-4524	270	4	m.	m.	NOUN
hassl-4524	270	5	m.	m.	NOUN
hassl-4524	270	6	(	(	PUNCT
hassl-4524	270	7	2017	2017	NUM
hassl-4524	270	8	)	)	PUNCT
hassl-4524	270	9	.	.	PUNCT
hassl-4524	271	1	asset	asset	NOUN
hassl-4524	271	2	quality	quality	NOUN
hassl-4524	271	3	,	,	PUNCT
hassl-4524	271	4	non	non	ADJ
hassl-4524	271	5	-	-	ADJ
hassl-4524	271	6	interest	interest	ADJ
hassl-4524	271	7	income	income	NOUN
hassl-4524	271	8	,	,	PUNCT
hassl-4524	271	9	and	and	CCONJ
hassl-4524	271	10	bank	bank	NOUN
hassl-4524	271	11	profitability	profitability	NOUN
hassl-4524	271	12	:	:	PUNCT
hassl-4524	271	13	evidence	evidence	NOUN
hassl-4524	271	14	from	from	ADP
hassl-4524	271	15	indian	indian	ADJ
hassl-4524	271	16	banks	bank	NOUN
hassl-4524	271	17	.	.	PUNCT
hassl-4524	272	1	economic	economic	ADJ
hassl-4524	272	2	modelling	modelling	NOUN
hassl-4524	272	3	,	,	PUNCT
hassl-4524	272	4	63	63	NUM
hassl-4524	272	5	,	,	PUNCT
hassl-4524	272	6	1–14	1–14	PROPN
hassl-4524	272	7	.	.	PROPN
hassl-4524	272	8	https://doi.org/10.1016/j.econmod.2017.01.016	https://doi.org/10.1016/j.econmod.2017.01.016	PROPN
hassl-4524	272	9	ali	ali	PROPN
hassl-4524	272	10	,	,	PUNCT
hassl-4524	272	11	m.	m.	NOUN
hassl-4524	272	12	,	,	PUNCT
hassl-4524	272	13	&	&	CCONJ
hassl-4524	272	14	puah	puah	NOUN
hassl-4524	272	15	,	,	PUNCT
hassl-4524	272	16	c.-h	c.-h	PROPN
hassl-4524	272	17	.	.	PUNCT
hassl-4524	273	1	(	(	PUNCT
hassl-4524	273	2	2018	2018	NUM
hassl-4524	273	3	)	)	PUNCT
hassl-4524	273	4	.	.	PUNCT
hassl-4524	274	1	does	do	VERB
hassl-4524	274	2	bank	bank	NOUN
hassl-4524	274	3	size	size	NOUN
hassl-4524	274	4	and	and	CCONJ
hassl-4524	274	5	funding	funding	NOUN
hassl-4524	274	6	risk	risk	NOUN
hassl-4524	274	7	effect	effect	NOUN
hassl-4524	274	8	banks	bank	NOUN
hassl-4524	274	9	’	'	PUNCT
hassl-4524	274	10	stability	stability	NOUN
hassl-4524	274	11	?	?	PUNCT
hassl-4524	275	1	a	a	DET
hassl-4524	275	2	lesson	lesson	NOUN
hassl-4524	275	3	from	from	ADP
hassl-4524	275	4	pakistan	pakistan	PROPN
hassl-4524	275	5	.	.	PUNCT
hassl-4524	276	1	global	global	ADJ
hassl-4524	276	2	business	business	PROPN
hassl-4524	276	3	review	review	PROPN
hassl-4524	276	4	,	,	PUNCT
hassl-4524	276	5	19(5	19(5	NUM
hassl-4524	276	6	)	)	PUNCT
hassl-4524	276	7	,	,	PUNCT
hassl-4524	276	8	1166–1186	1166–1186	NUM
hassl-4524	276	9	.	.	PUNCT
hassl-4524	277	1	https://doi.org/10.1177/0972150918788745	https://doi.org/10.1177/0972150918788745	PROPN
hassl-4524	277	2	arellano	arellano	PROPN
hassl-4524	277	3	,	,	PUNCT
hassl-4524	277	4	m.	m.	NOUN
hassl-4524	277	5	,	,	PUNCT
hassl-4524	277	6	&	&	CCONJ
hassl-4524	277	7	bover	bover	PROPN
hassl-4524	277	8	,	,	PUNCT
hassl-4524	277	9	o.	o.	PROPN
hassl-4524	277	10	(	(	PUNCT
hassl-4524	277	11	1995	1995	NUM
hassl-4524	277	12	)	)	PUNCT
hassl-4524	277	13	.	.	PUNCT
hassl-4524	278	1	another	another	DET
hassl-4524	278	2	look	look	NOUN
hassl-4524	278	3	at	at	ADP
hassl-4524	278	4	the	the	DET
hassl-4524	278	5	instrumental	instrumental	ADJ
hassl-4524	278	6	variable	variable	ADJ
hassl-4524	278	7	estimation	estimation	NOUN
hassl-4524	278	8	of	of	ADP
hassl-4524	278	9	error	error	NOUN
hassl-4524	278	10	-	-	PUNCT
hassl-4524	278	11	components	component	NOUN
hassl-4524	278	12	models	model	NOUN
hassl-4524	278	13	.	.	PUNCT
hassl-4524	279	1	journal	journal	NOUN
hassl-4524	279	2	of	of	ADP
hassl-4524	279	3	econometrics	econometric	NOUN
hassl-4524	279	4	,	,	PUNCT
hassl-4524	279	5	68(1	68(1	NOUN
hassl-4524	279	6	)	)	PUNCT
hassl-4524	279	7	,	,	PUNCT
hassl-4524	279	8	29	29	NUM
hassl-4524	279	9	-	-	SYM
hassl-4524	279	10	51	51	NUM
hassl-4524	279	11	.	.	PUNCT
hassl-4524	280	1	https://doi.org/10.1016/0304-4076(94)01642-d	https://doi.org/10.1016/0304-4076(94)01642-d	PROPN
hassl-4524	280	2	arner	arner	NOUN
hassl-4524	280	3	,	,	PUNCT
hassl-4524	280	4	d.	d.	PROPN
hassl-4524	280	5	w.	w.	PROPN
hassl-4524	280	6	,	,	PUNCT
hassl-4524	280	7	barberis	barberis	PROPN
hassl-4524	280	8	,	,	PUNCT
hassl-4524	280	9	j.	j.	PROPN
hassl-4524	280	10	,	,	PUNCT
hassl-4524	280	11	&	&	CCONJ
hassl-4524	280	12	buckley	buckley	PROPN
hassl-4524	280	13	,	,	PUNCT
hassl-4524	280	14	r.	r.	PROPN
hassl-4524	280	15	p.	p.	PROPN
hassl-4524	280	16	(	(	PUNCT
hassl-4524	280	17	2017	2017	NUM
hassl-4524	280	18	)	)	PUNCT
hassl-4524	280	19	.	.	PUNCT
hassl-4524	281	1	fintech	fintech	NOUN
hassl-4524	281	2	,	,	PUNCT
hassl-4524	281	3	regtech	regtech	PROPN
hassl-4524	281	4	,	,	PUNCT
hassl-4524	281	5	and	and	CCONJ
hassl-4524	281	6	the	the	DET
hassl-4524	281	7	reconceptualization	reconceptualization	NOUN
hassl-4524	281	8	of	of	ADP
hassl-4524	281	9	financial	financial	ADJ
hassl-4524	281	10	regulation	regulation	NOUN
hassl-4524	281	11	.	.	PUNCT
hassl-4524	282	1	northwestern	northwestern	ADJ
hassl-4524	282	2	journal	journal	PROPN
hassl-4524	282	3	of	of	ADP
hassl-4524	282	4	international	international	ADJ
hassl-4524	282	5	law	law	PROPN
hassl-4524	282	6	&	&	CCONJ
hassl-4524	282	7	business	business	NOUN
hassl-4524	282	8	,	,	PUNCT
hassl-4524	282	9	37(3	37(3	NUM
hassl-4524	282	10	)	)	PUNCT
hassl-4524	282	11	,	,	PUNCT
hassl-4524	282	12	371–413	371–413	NUM
hassl-4524	282	13	.	.	PUNCT
hassl-4524	282	14	beccalli	beccalli	PROPN
hassl-4524	282	15	,	,	PUNCT
hassl-4524	282	16	e.	e.	PROPN
hassl-4524	282	17	(	(	PUNCT
hassl-4524	282	18	2007	2007	NUM
hassl-4524	282	19	)	)	PUNCT
hassl-4524	282	20	.	.	PUNCT
hassl-4524	283	1	does	do	AUX
hassl-4524	283	2	it	it	PRON
hassl-4524	283	3	investment	investment	NOUN
hassl-4524	283	4	improve	improve	VERB
hassl-4524	283	5	bank	bank	NOUN
hassl-4524	283	6	performance	performance	NOUN
hassl-4524	283	7	?	?	PUNCT
hassl-4524	284	1	evidence	evidence	NOUN
hassl-4524	284	2	from	from	ADP
hassl-4524	284	3	europe	europe	PROPN
hassl-4524	284	4	.	.	PUNCT
hassl-4524	285	1	journal	journal	PROPN
hassl-4524	285	2	of	of	ADP
hassl-4524	285	3	banking	banking	NOUN
hassl-4524	285	4	&	&	CCONJ
hassl-4524	285	5	finance	finance	NOUN
hassl-4524	285	6	,	,	PUNCT
hassl-4524	285	7	31(7	31(7	PROPN
hassl-4524	285	8	)	)	PUNCT
hassl-4524	285	9	,	,	PUNCT
hassl-4524	285	10	2205	2205	NUM
hassl-4524	285	11	-	-	SYM
hassl-4524	285	12	2230	2230	NUM
hassl-4524	285	13	.	.	PUNCT
hassl-4524	286	1	https://doi.org/10.1016/j.jbankfin.2006.10.022	https://doi.org/10.1016/j.jbankfin.2006.10.022	PROPN
hassl-4524	286	2	begenau	begenau	PROPN
hassl-4524	286	3	,	,	PUNCT
hassl-4524	286	4	j.	j.	PROPN
hassl-4524	286	5	,	,	PUNCT
hassl-4524	286	6	farboodi	farboodi	PROPN
hassl-4524	286	7	,	,	PUNCT
hassl-4524	286	8	m.	m.	NOUN
hassl-4524	286	9	,	,	PUNCT
hassl-4524	286	10	&	&	CCONJ
hassl-4524	286	11	veldkamp	veldkamp	PROPN
hassl-4524	286	12	,	,	PUNCT
hassl-4524	286	13	l.	l.	PROPN
hassl-4524	286	14	(	(	PUNCT
hassl-4524	286	15	2018	2018	NUM
hassl-4524	286	16	)	)	PUNCT
hassl-4524	286	17	.	.	PUNCT
hassl-4524	287	1	big	big	ADJ
hassl-4524	287	2	data	datum	NOUN
hassl-4524	287	3	in	in	ADP
hassl-4524	287	4	finance	finance	NOUN
hassl-4524	287	5	and	and	CCONJ
hassl-4524	287	6	the	the	DET
hassl-4524	287	7	growth	growth	NOUN
hassl-4524	287	8	of	of	ADP
hassl-4524	287	9	large	large	ADJ
hassl-4524	287	10	firms	firm	NOUN
hassl-4524	287	11	.	.	PUNCT
hassl-4524	288	1	journal	journal	NOUN
hassl-4524	288	2	of	of	ADP
hassl-4524	288	3	monetary	monetary	ADJ
hassl-4524	288	4	economics	economic	NOUN
hassl-4524	288	5	,	,	PUNCT
hassl-4524	288	6	97	97	NUM
hassl-4524	288	7	,	,	PUNCT
hassl-4524	288	8	71–87	71–87	NUM
hassl-4524	288	9	.	.	PUNCT
hassl-4524	289	1	https://doi.org/10.1016/j.jmoneco.2018.05.013	https://doi.org/10.1016/j.jmoneco.2018.05.013	PROPN
hassl-4524	289	2	blundell	blundell	PROPN
hassl-4524	289	3	,	,	PUNCT
hassl-4524	289	4	r.	r.	PROPN
hassl-4524	289	5	,	,	PUNCT
hassl-4524	289	6	&	&	CCONJ
hassl-4524	289	7	bond	bond	PROPN
hassl-4524	289	8	,	,	PUNCT
hassl-4524	289	9	s.	s.	PROPN
hassl-4524	289	10	(	(	PUNCT
hassl-4524	289	11	1998	1998	NUM
hassl-4524	289	12	)	)	PUNCT
hassl-4524	289	13	.	.	PUNCT
hassl-4524	290	1	initial	initial	ADJ
hassl-4524	290	2	conditions	condition	NOUN
hassl-4524	290	3	and	and	CCONJ
hassl-4524	290	4	moment	moment	VERB
hassl-4524	290	5	restrictions	restriction	NOUN
hassl-4524	290	6	in	in	ADP
hassl-4524	290	7	dynamic	dynamic	ADJ
hassl-4524	290	8	panel	panel	NOUN
hassl-4524	290	9	data	datum	NOUN
hassl-4524	290	10	models	model	NOUN
hassl-4524	290	11	.	.	PUNCT
hassl-4524	291	1	journal	journal	NOUN
hassl-4524	291	2	of	of	ADP
hassl-4524	291	3	econometrics	econometric	NOUN
hassl-4524	291	4	,	,	PUNCT
hassl-4524	291	5	87(1	87(1	NUM
hassl-4524	291	6	)	)	PUNCT
hassl-4524	291	7	,	,	PUNCT
hassl-4524	291	8	115	115	NUM
hassl-4524	291	9	-	-	SYM
hassl-4524	291	10	143	143	NUM
hassl-4524	291	11	.	.	PUNCT
hassl-4524	292	1	https://doi.org/10.1016/s0304-4076(98)00009-8	https://doi.org/10.1016/s0304-4076(98)00009-8	PROPN
hassl-4524	292	2	boot	boot	PROPN
hassl-4524	292	3	,	,	PUNCT
hassl-4524	292	4	a.	a.	NOUN
hassl-4524	292	5	,	,	PUNCT
hassl-4524	292	6	hoffmann	hoffmann	PROPN
hassl-4524	292	7	,	,	PUNCT
hassl-4524	292	8	p.	p.	PROPN
hassl-4524	292	9	,	,	PUNCT
hassl-4524	292	10	laeven	laeven	ADJ
hassl-4524	292	11	,	,	PUNCT
hassl-4524	292	12	l.	l.	PROPN
hassl-4524	292	13	,	,	PUNCT
hassl-4524	292	14	&	&	CCONJ
hassl-4524	292	15	ratnovski	ratnovski	PROPN
hassl-4524	292	16	,	,	PUNCT
hassl-4524	292	17	l.	l.	PROPN
hassl-4524	292	18	(	(	PUNCT
hassl-4524	292	19	2021	2021	NUM
hassl-4524	292	20	)	)	PUNCT
hassl-4524	292	21	.	.	PUNCT
hassl-4524	293	1	fintech	fintech	NOUN
hassl-4524	293	2	:	:	PUNCT
hassl-4524	293	3	what	what	PRON
hassl-4524	293	4	’s	’	VERB
hassl-4524	293	5	old	old	ADJ
hassl-4524	293	6	,	,	PUNCT
hassl-4524	293	7	what	what	PRON
hassl-4524	293	8	’s	’	VERB
hassl-4524	293	9	new	new	ADJ
hassl-4524	293	10	?	?	PUNCT
hassl-4524	294	1	journal	journal	NOUN
hassl-4524	294	2	of	of	ADP
hassl-4524	294	3	financial	financial	ADJ
hassl-4524	294	4	stability	stability	NOUN
hassl-4524	294	5	,	,	PUNCT
hassl-4524	294	6	53	53	NUM
hassl-4524	294	7	,	,	PUNCT
hassl-4524	294	8	100836	100836	NUM
hassl-4524	294	9	.	.	PUNCT
hassl-4524	295	1	https://doi.org/10.1016/j.jfs.2020.100836	https://doi.org/10.1016/j.jfs.2020.100836	NOUN
hassl-4524	295	2	brunnermeier	brunnermeier	NOUN
hassl-4524	295	3	,	,	PUNCT
hassl-4524	295	4	m.	m.	NOUN
hassl-4524	295	5	k.	k.	PROPN
hassl-4524	295	6	(	(	PUNCT
hassl-4524	295	7	2009	2009	NUM
hassl-4524	295	8	)	)	PUNCT
hassl-4524	295	9	.	.	PUNCT
hassl-4524	296	1	deciphering	decipher	VERB
hassl-4524	296	2	the	the	DET
hassl-4524	296	3	liquidity	liquidity	NOUN
hassl-4524	296	4	and	and	CCONJ
hassl-4524	296	5	credit	credit	NOUN
hassl-4524	296	6	crunch	crunch	PROPN
hassl-4524	296	7	2007–2008	2007–2008	NUM
hassl-4524	296	8	.	.	PUNCT
hassl-4524	297	1	journal	journal	NOUN
hassl-4524	297	2	of	of	ADP
hassl-4524	297	3	economic	economic	ADJ
hassl-4524	297	4	perspectives	perspective	NOUN
hassl-4524	297	5	,	,	PUNCT
hassl-4524	297	6	23(1	23(1	NUM
hassl-4524	297	7	)	)	PUNCT
hassl-4524	297	8	,	,	PUNCT
hassl-4524	297	9	77100	77100	NUM
hassl-4524	297	10	.	.	PUNCT
hassl-4524	298	1	https://doi.org/10.1257/jep.23.1.77	https://doi.org/10.1257/jep.23.1.77	PROPN
hassl-4524	298	2	chiu	chiu	PROPN
hassl-4524	298	3	,	,	PUNCT
hassl-4524	298	4	j.	j.	PROPN
hassl-4524	298	5	,	,	PUNCT
hassl-4524	298	6	&	&	CCONJ
hassl-4524	298	7	koeppl	koeppl	PROPN
hassl-4524	298	8	,	,	PUNCT
hassl-4524	298	9	t.	t.	PROPN
hassl-4524	298	10	v.	v.	PROPN
hassl-4524	298	11	(	(	PUNCT
hassl-4524	298	12	2019	2019	NUM
hassl-4524	298	13	)	)	PUNCT
hassl-4524	298	14	.	.	PUNCT
hassl-4524	299	1	blockchain	blockchain	PROPN
hassl-4524	299	2	-	-	PUNCT
hassl-4524	299	3	based	base	VERB
hassl-4524	299	4	settlement	settlement	NOUN
hassl-4524	299	5	for	for	ADP
hassl-4524	299	6	asset	asset	NOUN
hassl-4524	299	7	trading	trading	NOUN
hassl-4524	299	8	.	.	PUNCT
hassl-4524	300	1	the	the	DET
hassl-4524	300	2	review	review	NOUN
hassl-4524	300	3	of	of	ADP
hassl-4524	300	4	financial	financial	ADJ
hassl-4524	300	5	studies	study	NOUN
hassl-4524	300	6	,	,	PUNCT
hassl-4524	300	7	32(5	32(5	NOUN
hassl-4524	300	8	)	)	PUNCT
hassl-4524	300	9	,	,	PUNCT
hassl-4524	300	10	1716–1753	1716–1753	NUM
hassl-4524	300	11	.	.	PUNCT
hassl-4524	301	1	https://doi.org/10.1093/rfs/hhy122	https://doi.org/10.1093/rfs/hhy122	PROPN
hassl-4524	301	2	christensen	christensen	PROPN
hassl-4524	301	3	,	,	PUNCT
hassl-4524	301	4	c.	c.	PROPN
hassl-4524	301	5	m.	m.	NOUN
hassl-4524	301	6	(	(	PUNCT
hassl-4524	301	7	1997	1997	NUM
hassl-4524	301	8	)	)	PUNCT
hassl-4524	301	9	.	.	PUNCT
hassl-4524	302	1	the	the	DET
hassl-4524	302	2	innovator	innovator	NOUN
hassl-4524	302	3	's	's	PART
hassl-4524	302	4	dilemma	dilemma	NOUN
hassl-4524	302	5	:	:	PUNCT
hassl-4524	302	6	when	when	SCONJ
hassl-4524	302	7	new	new	ADJ
hassl-4524	302	8	technologies	technology	NOUN
hassl-4524	302	9	cause	cause	VERB
hassl-4524	302	10	great	great	ADJ
hassl-4524	302	11	firms	firm	NOUN
hassl-4524	302	12	to	to	PART
hassl-4524	302	13	fail	fail	VERB
hassl-4524	302	14	.	.	PUNCT
hassl-4524	303	1	boston	boston	PROPN
hassl-4524	303	2	,	,	PUNCT
hassl-4524	303	3	ma	ma	PROPN
hassl-4524	303	4	,	,	PUNCT
hassl-4524	303	5	usa	usa	PROPN
hassl-4524	303	6	:	:	PUNCT
hassl-4524	303	7	harvard	harvard	PROPN
hassl-4524	303	8	business	business	PROPN
hassl-4524	303	9	school	school	PROPN
hassl-4524	303	10	press	press	NOUN
hassl-4524	303	11	.	.	PUNCT
hassl-4524	304	1	demirgüç	demirgüç	PROPN
hassl-4524	304	2	-	-	PUNCT
hassl-4524	304	3	kunt	kunt	PROPN
hassl-4524	304	4	,	,	PUNCT
hassl-4524	304	5	a.	a.	NOUN
hassl-4524	304	6	,	,	PUNCT
hassl-4524	304	7	&	&	CCONJ
hassl-4524	304	8	huizinga	huizinga	PROPN
hassl-4524	304	9	,	,	PUNCT
hassl-4524	304	10	h.	h.	PROPN
hassl-4524	304	11	(	(	PUNCT
hassl-4524	304	12	2010	2010	NUM
hassl-4524	304	13	)	)	PUNCT
hassl-4524	304	14	.	.	PUNCT
hassl-4524	305	1	bank	bank	NOUN
hassl-4524	305	2	activity	activity	NOUN
hassl-4524	305	3	and	and	CCONJ
hassl-4524	305	4	funding	funding	NOUN
hassl-4524	305	5	strategies	strategy	NOUN
hassl-4524	305	6	:	:	PUNCT
hassl-4524	305	7	the	the	DET
hassl-4524	305	8	impact	impact	NOUN
hassl-4524	305	9	on	on	ADP
hassl-4524	305	10	risk	risk	NOUN
hassl-4524	305	11	and	and	CCONJ
hassl-4524	305	12	returns	return	NOUN
hassl-4524	305	13	.	.	PUNCT
hassl-4524	306	1	journal	journal	NOUN
hassl-4524	306	2	of	of	ADP
hassl-4524	306	3	financial	financial	ADJ
hassl-4524	306	4	economics	economic	NOUN
hassl-4524	306	5	,	,	PUNCT
hassl-4524	306	6	98(3	98(3	PROPN
hassl-4524	306	7	)	)	PUNCT
hassl-4524	306	8	,	,	PUNCT
hassl-4524	306	9	626	626	NUM
hassl-4524	306	10	-	-	SYM
hassl-4524	306	11	650	650	NUM
hassl-4524	306	12	.	.	PUNCT
hassl-4524	307	1	https://doi.org/10.1016/j.jfineco.2010.06.004	https://doi.org/10.1016/j.jfineco.2010.06.004	PROPN
hassl-4524	307	2	deyoung	deyoung	PROPN
hassl-4524	307	3	,	,	PUNCT
hassl-4524	307	4	r.	r.	PROPN
hassl-4524	307	5	,	,	PUNCT
hassl-4524	307	6	&	&	CCONJ
hassl-4524	307	7	roland	roland	PROPN
hassl-4524	307	8	,	,	PUNCT
hassl-4524	307	9	k.	k.	PROPN
hassl-4524	308	1	p.	p.	PROPN
hassl-4524	308	2	(	(	PUNCT
hassl-4524	308	3	2001	2001	NUM
hassl-4524	308	4	)	)	PUNCT
hassl-4524	308	5	.	.	PUNCT
hassl-4524	309	1	product	product	NOUN
hassl-4524	309	2	mix	mix	NOUN
hassl-4524	309	3	and	and	CCONJ
hassl-4524	309	4	earnings	earning	NOUN
hassl-4524	309	5	volatility	volatility	NOUN
hassl-4524	309	6	at	at	ADP
hassl-4524	309	7	commercial	commercial	ADJ
hassl-4524	309	8	banks	bank	NOUN
hassl-4524	309	9	:	:	PUNCT
hassl-4524	309	10	evidence	evidence	NOUN
hassl-4524	309	11	from	from	ADP
hassl-4524	309	12	a	a	DET
hassl-4524	309	13	degree	degree	NOUN
hassl-4524	309	14	of	of	ADP
hassl-4524	309	15	total	total	ADJ
hassl-4524	309	16	leverage	leverage	NOUN
hassl-4524	309	17	model	model	NOUN
hassl-4524	309	18	.	.	PUNCT
hassl-4524	310	1	journal	journal	PROPN
hassl-4524	310	2	of	of	ADP
hassl-4524	310	3	financial	financial	ADJ
hassl-4524	310	4	intermediation	intermediation	NOUN
hassl-4524	310	5	,	,	PUNCT
hassl-4524	310	6	10(1	10(1	NUM
hassl-4524	310	7	)	)	PUNCT
hassl-4524	310	8	,	,	PUNCT
hassl-4524	310	9	54	54	NUM
hassl-4524	310	10	-	-	SYM
hassl-4524	310	11	84	84	NUM
hassl-4524	310	12	.	.	PUNCT
hassl-4524	311	1	https://doi.org/10.1006/jfin.2000.0305	https://doi.org/10.1006/jfin.2000.0305	PROPN
hassl-4524	311	2	deyoung	deyoung	PROPN
hassl-4524	311	3	,	,	PUNCT
hassl-4524	311	4	r.	r.	PROPN
hassl-4524	311	5	,	,	PUNCT
hassl-4524	311	6	&	&	CCONJ
hassl-4524	311	7	torna	torna	PROPN
hassl-4524	311	8	,	,	PUNCT
hassl-4524	311	9	g.	g.	PROPN
hassl-4524	311	10	(	(	PUNCT
hassl-4524	311	11	2013	2013	NUM
hassl-4524	311	12	)	)	PUNCT
hassl-4524	311	13	.	.	PUNCT
hassl-4524	312	1	nontraditional	nontraditional	ADJ
hassl-4524	312	2	banking	banking	NOUN
hassl-4524	312	3	activities	activity	NOUN
hassl-4524	312	4	and	and	CCONJ
hassl-4524	312	5	bank	bank	NOUN
hassl-4524	312	6	failures	failure	NOUN
hassl-4524	312	7	during	during	ADP
hassl-4524	312	8	the	the	DET
hassl-4524	312	9	financial	financial	ADJ
hassl-4524	312	10	crisis	crisis	NOUN
hassl-4524	312	11	.	.	PUNCT
hassl-4524	313	1	journal	journal	NOUN
hassl-4524	313	2	of	of	ADP
hassl-4524	313	3	financial	financial	ADJ
hassl-4524	313	4	intermediation	intermediation	NOUN
hassl-4524	313	5	,	,	PUNCT
hassl-4524	313	6	22(3	22(3	NUM
hassl-4524	313	7	)	)	PUNCT
hassl-4524	313	8	,	,	PUNCT
hassl-4524	313	9	397	397	NUM
hassl-4524	313	10	-	-	SYM
hassl-4524	313	11	421	421	NUM
hassl-4524	313	12	.	.	PUNCT
hassl-4524	314	1	https://doi.org/10.1016/j.jfi.2013.01.001	https://doi.org/10.1016/j.jfi.2013.01.001	PROPN
hassl-4524	314	2	diamond	diamond	NOUN
hassl-4524	314	3	,	,	PUNCT
hassl-4524	314	4	d.	d.	PROPN
hassl-4524	314	5	w.	w.	PROPN
hassl-4524	314	6	(	(	PUNCT
hassl-4524	314	7	1984	1984	NUM
hassl-4524	314	8	)	)	PUNCT
hassl-4524	314	9	.	.	PUNCT
hassl-4524	315	1	financial	financial	ADJ
hassl-4524	315	2	intermediation	intermediation	NOUN
hassl-4524	315	3	and	and	CCONJ
hassl-4524	315	4	delegated	delegate	VERB
hassl-4524	315	5	monitoring	monitoring	NOUN
hassl-4524	315	6	.	.	PUNCT
hassl-4524	316	1	the	the	DET
hassl-4524	316	2	review	review	NOUN
hassl-4524	316	3	of	of	ADP
hassl-4524	316	4	economic	economic	ADJ
hassl-4524	316	5	studies	study	NOUN
hassl-4524	316	6	,	,	PUNCT
hassl-4524	316	7	51(3	51(3	NUM
hassl-4524	316	8	)	)	PUNCT
hassl-4524	316	9	,	,	PUNCT
hassl-4524	316	10	393	393	NUM
hassl-4524	316	11	-	-	SYM
hassl-4524	316	12	414	414	NUM
hassl-4524	316	13	.	.	PUNCT
hassl-4524	317	1	https://doi.org/10.2307/2297430	https://doi.org/10.2307/2297430	PROPN
hassl-4524	317	2	eisenhardt	eisenhardt	PROPN
hassl-4524	317	3	,	,	PUNCT
hassl-4524	317	4	k.	k.	PROPN
hassl-4524	317	5	m.	m.	PROPN
hassl-4524	317	6	,	,	PUNCT
hassl-4524	317	7	&	&	CCONJ
hassl-4524	317	8	martin	martin	PROPN
hassl-4524	317	9	,	,	PUNCT
hassl-4524	317	10	j.	j.	PROPN
hassl-4524	317	11	a.	a.	PROPN
hassl-4524	317	12	(	(	PUNCT
hassl-4524	317	13	2000	2000	NUM
hassl-4524	317	14	)	)	PUNCT
hassl-4524	317	15	.	.	PUNCT
hassl-4524	318	1	dynamic	dynamic	ADJ
hassl-4524	318	2	capabilities	capability	NOUN
hassl-4524	318	3	:	:	PUNCT
hassl-4524	318	4	what	what	PRON
hassl-4524	318	5	are	be	AUX
hassl-4524	318	6	they	they	PRON
hassl-4524	318	7	?	?	PUNCT
hassl-4524	319	1	strategic	strategic	ADJ
hassl-4524	319	2	management	management	NOUN
hassl-4524	319	3	journal	journal	NOUN
hassl-4524	319	4	,	,	PUNCT
hassl-4524	319	5	21(10/11	21(10/11	NUM
hassl-4524	319	6	)	)	PUNCT
hassl-4524	319	7	,	,	PUNCT
hassl-4524	319	8	1105	1105	NUM
hassl-4524	319	9	–	–	PUNCT
hassl-4524	319	10	1121	1121	NUM
hassl-4524	319	11	.	.	PUNCT
hassl-4524	320	1	fuster	fuster	PROPN
hassl-4524	320	2	,	,	PUNCT
hassl-4524	320	3	a.	a.	PROPN
hassl-4524	320	4	,	,	PUNCT
hassl-4524	320	5	plosser	plosser	NOUN
hassl-4524	320	6	,	,	PUNCT
hassl-4524	320	7	m.	m.	NOUN
hassl-4524	320	8	,	,	PUNCT
hassl-4524	320	9	schnabl	schnabl	NOUN
hassl-4524	320	10	,	,	PUNCT
hassl-4524	320	11	p.	p.	NOUN
hassl-4524	320	12	,	,	PUNCT
hassl-4524	320	13	&	&	CCONJ
hassl-4524	320	14	vickery	vickery	PROPN
hassl-4524	320	15	,	,	PUNCT
hassl-4524	320	16	j.	j.	PROPN
hassl-4524	320	17	(	(	PUNCT
hassl-4524	320	18	2019	2019	NUM
hassl-4524	320	19	)	)	PUNCT
hassl-4524	320	20	.	.	PUNCT
hassl-4524	321	1	the	the	DET
hassl-4524	321	2	role	role	NOUN
hassl-4524	321	3	of	of	ADP
hassl-4524	321	4	technology	technology	NOUN
hassl-4524	321	5	in	in	ADP
hassl-4524	321	6	mortgage	mortgage	NOUN
hassl-4524	321	7	lending	lending	NOUN
hassl-4524	321	8	.	.	PUNCT
hassl-4524	322	1	the	the	DET
hassl-4524	322	2	review	review	NOUN
hassl-4524	322	3	of	of	ADP
hassl-4524	322	4	financial	financial	ADJ
hassl-4524	322	5	studies	study	NOUN
hassl-4524	322	6	,	,	PUNCT
hassl-4524	322	7	32(5	32(5	NOUN
hassl-4524	322	8	)	)	PUNCT
hassl-4524	322	9	,	,	PUNCT
hassl-4524	322	10	1854–1899	1854–1899	NUM
hassl-4524	322	11	.	.	PUNCT
hassl-4524	323	1	https://doi.org/10.1093/rfs/hhz018	https://doi.org/10.1093/rfs/hhz018	PROPN
hassl-4524	323	2	https://doi.org/10.1016/j.intfin.2018.04.005	https://doi.org/10.1016/j.intfin.2018.04.005	VERB
hassl-4524	323	3	https://doi.org/10.1080/23322039.2015.1111489	https://doi.org/10.1080/23322039.2015.1111489	PROPN
hassl-4524	323	4	https://doi.org/10.1016/j.econmod.2017.01.016	https://doi.org/10.1016/j.econmod.2017.01.016	PROPN
hassl-4524	323	5	https://doi.org/10.1177/0972150918788745	https://doi.org/10.1177/0972150918788745	NOUN
hassl-4524	323	6	https://doi.org/10.1016/0304-4076(94)01642-d	https://doi.org/10.1016/0304-4076(94)01642-d	PROPN
hassl-4524	323	7	https://doi.org/10.1016/j.jbankfin.2006.10.022	https://doi.org/10.1016/j.jbankfin.2006.10.022	PROPN
hassl-4524	323	8	https://doi.org/10.1016/j.jmoneco.2018.05.013	https://doi.org/10.1016/j.jmoneco.2018.05.013	PROPN
hassl-4524	323	9	https://doi.org/10.1016/s0304-4076(98)00009-8	https://doi.org/10.1016/s0304-4076(98)00009-8	PROPN
hassl-4524	323	10	https://doi.org/10.1016/j.jfs.2020.100836	https://doi.org/10.1016/j.jfs.2020.100836	X
hassl-4524	323	11	https://doi.org/10.1257/jep.23.1.77	https://doi.org/10.1257/jep.23.1.77	PROPN
hassl-4524	323	12	https://doi.org/10.1093/rfs/hhy122	https://doi.org/10.1093/rfs/hhy122	PROPN
hassl-4524	323	13	https://doi.org/10.1016/j.jfineco.2010.06.004	https://doi.org/10.1016/j.jfineco.2010.06.004	NOUN
hassl-4524	323	14	https://doi.org/10.1006/jfin.2000.0305	https://doi.org/10.1006/jfin.2000.0305	PROPN
hassl-4524	323	15	https://doi.org/10.1016/j.jfi.2013.01.001	https://doi.org/10.1016/j.jfi.2013.01.001	NOUN
hassl-4524	323	16	https://doi.org/10.2307/2297430	https://doi.org/10.2307/2297430	PUNCT
hassl-4524	323	17	https://doi.org/10.1093/rfs/hhz018	https://doi.org/10.1093/rfs/hhz018	PROPN
hassl-4524	323	18	humanities	humanity	NOUN
hassl-4524	323	19	and	and	CCONJ
hassl-4524	323	20	social	social	ADJ
hassl-4524	323	21	sciences	science	NOUN
hassl-4524	323	22	letters	letter	NOUN
hassl-4524	323	23	,	,	PUNCT
hassl-4524	323	24	2025	2025	NUM
hassl-4524	323	25	,	,	PUNCT
hassl-4524	323	26	13(4	13(4	NUM
hassl-4524	323	27	):	):	PUNCT
hassl-4524	323	28	1508	1508	NUM
hassl-4524	323	29	-	-	SYM
hassl-4524	323	30	1519	1519	NUM
hassl-4524	323	31	1519	1519	NUM
hassl-4524	324	1	©	©	PROPN
hassl-4524	324	2	2025	2025	NUM
hassl-4524	324	3	conscientia	conscientia	PROPN
hassl-4524	324	4	beam	beam	PROPN
hassl-4524	324	5	.	.	PUNCT
hassl-4524	325	1	all	all	DET
hassl-4524	325	2	rights	right	NOUN
hassl-4524	325	3	reserved	reserve	VERB
hassl-4524	325	4	.	.	PUNCT
hassl-4524	326	1	ghosh	ghosh	PROPN
hassl-4524	326	2	,	,	PUNCT
hassl-4524	326	3	s.	s.	PROPN
hassl-4524	326	4	k.	k.	PROPN
hassl-4524	326	5	,	,	PUNCT
hassl-4524	326	6	&	&	CCONJ
hassl-4524	326	7	maji	maji	PROPN
hassl-4524	326	8	,	,	PUNCT
hassl-4524	326	9	s.	s.	PROPN
hassl-4524	326	10	g.	g.	PROPN
hassl-4524	326	11	(	(	PUNCT
hassl-4524	326	12	2014	2014	NUM
hassl-4524	326	13	)	)	PUNCT
hassl-4524	326	14	.	.	PUNCT
hassl-4524	327	1	the	the	DET
hassl-4524	327	2	impact	impact	NOUN
hassl-4524	327	3	of	of	ADP
hassl-4524	327	4	intellectual	intellectual	ADJ
hassl-4524	327	5	capital	capital	NOUN
hassl-4524	327	6	on	on	ADP
hassl-4524	327	7	bank	bank	NOUN
hassl-4524	327	8	risk	risk	NOUN
hassl-4524	327	9	:	:	PUNCT
hassl-4524	327	10	evidence	evidence	NOUN
hassl-4524	327	11	from	from	ADP
hassl-4524	327	12	indian	indian	ADJ
hassl-4524	327	13	banking	banking	NOUN
hassl-4524	327	14	sector	sector	NOUN
hassl-4524	327	15	.	.	PUNCT
hassl-4524	328	1	iup	iup	PROPN
hassl-4524	328	2	journal	journal	PROPN
hassl-4524	328	3	of	of	ADP
hassl-4524	328	4	financial	financial	ADJ
hassl-4524	328	5	risk	risk	NOUN
hassl-4524	328	6	management	management	NOUN
hassl-4524	328	7	,	,	PUNCT
hassl-4524	328	8	11(3	11(3	NUM
hassl-4524	328	9	)	)	PUNCT
hassl-4524	328	10	,	,	PUNCT
hassl-4524	328	11	18–38	18–38	PROPN
hassl-4524	328	12	.	.	PUNCT
hassl-4524	329	1	ho	ho	PROPN
hassl-4524	329	2	,	,	PUNCT
hassl-4524	329	3	s.	s.	PROPN
hassl-4524	329	4	j.	j.	PROPN
hassl-4524	329	5	,	,	PUNCT
hassl-4524	329	6	&	&	CCONJ
hassl-4524	329	7	mallick	mallick	PROPN
hassl-4524	329	8	,	,	PUNCT
hassl-4524	329	9	s.	s.	PROPN
hassl-4524	329	10	k.	k.	PROPN
hassl-4524	329	11	(	(	PUNCT
hassl-4524	329	12	2010	2010	NUM
hassl-4524	329	13	)	)	PUNCT
hassl-4524	329	14	.	.	PUNCT
hassl-4524	330	1	the	the	DET
hassl-4524	330	2	impact	impact	NOUN
hassl-4524	330	3	of	of	ADP
hassl-4524	330	4	information	information	NOUN
hassl-4524	330	5	technology	technology	NOUN
hassl-4524	330	6	on	on	ADP
hassl-4524	330	7	the	the	DET
hassl-4524	330	8	banking	banking	NOUN
hassl-4524	330	9	industry	industry	NOUN
hassl-4524	330	10	:	:	PUNCT
hassl-4524	330	11	theory	theory	NOUN
hassl-4524	330	12	and	and	CCONJ
hassl-4524	330	13	empirics	empiric	NOUN
hassl-4524	330	14	.	.	PUNCT
hassl-4524	331	1	journal	journal	NOUN
hassl-4524	331	2	of	of	ADP
hassl-4524	331	3	the	the	DET
hassl-4524	331	4	operational	operational	ADJ
hassl-4524	331	5	research	research	NOUN
hassl-4524	331	6	society	society	NOUN
hassl-4524	331	7	,	,	PUNCT
hassl-4524	331	8	61(2	61(2	NUM
hassl-4524	331	9	)	)	PUNCT
hassl-4524	331	10	,	,	PUNCT
hassl-4524	331	11	211–221	211–221	NUM
hassl-4524	331	12	.	.	PUNCT
hassl-4524	332	1	https://doi.org/10.1057/jors.2008.128	https://doi.org/10.1057/jors.2008.128	PROPN
hassl-4524	332	2	kennedy	kennedy	PROPN
hassl-4524	332	3	,	,	PUNCT
hassl-4524	332	4	p.	p.	NOUN
hassl-4524	332	5	(	(	PUNCT
hassl-4524	332	6	2008	2008	NUM
hassl-4524	332	7	)	)	PUNCT
hassl-4524	332	8	.	.	PUNCT
hassl-4524	333	1	a	a	DET
hassl-4524	333	2	guide	guide	NOUN
hassl-4524	333	3	to	to	ADP
hassl-4524	333	4	econometrics	econometrics	NOUN
hassl-4524	333	5	(	(	PUNCT
hassl-4524	333	6	6th	6th	ADJ
hassl-4524	333	7	ed	ed	NOUN
hassl-4524	333	8	.	.	PUNCT
hassl-4524	333	9	)	)	PUNCT
hassl-4524	333	10	.	.	PUNCT
hassl-4524	334	1	hoboken	hoboken	PROPN
hassl-4524	334	2	,	,	PUNCT
hassl-4524	334	3	nj	nj	PROPN
hassl-4524	334	4	,	,	PUNCT
hassl-4524	334	5	usa	usa	PROPN
hassl-4524	334	6	:	:	PUNCT
hassl-4524	334	7	john	john	PROPN
hassl-4524	334	8	wiley	wiley	PROPN
hassl-4524	334	9	&	&	CCONJ
hassl-4524	334	10	sons	sons	PROPN
hassl-4524	334	11	.	.	PUNCT
hassl-4524	335	1	khattak	khattak	PROPN
hassl-4524	335	2	,	,	PUNCT
hassl-4524	335	3	m.	m.	NOUN
hassl-4524	335	4	a.	a.	PROPN
hassl-4524	335	5	,	,	PUNCT
hassl-4524	335	6	ali	ali	PROPN
hassl-4524	335	7	,	,	PUNCT
hassl-4524	335	8	m.	m.	NOUN
hassl-4524	335	9	,	,	PUNCT
hassl-4524	335	10	azmi	azmi	PROPN
hassl-4524	335	11	,	,	PUNCT
hassl-4524	335	12	w.	w.	PROPN
hassl-4524	335	13	,	,	PUNCT
hassl-4524	335	14	&	&	CCONJ
hassl-4524	335	15	rizvi	rizvi	PROPN
hassl-4524	335	16	,	,	PUNCT
hassl-4524	335	17	s.	s.	PROPN
hassl-4524	335	18	a.	a.	PROPN
hassl-4524	335	19	r.	r.	PROPN
hassl-4524	335	20	(	(	PUNCT
hassl-4524	335	21	2023	2023	NUM
hassl-4524	335	22	)	)	PUNCT
hassl-4524	335	23	.	.	PUNCT
hassl-4524	336	1	digital	digital	ADJ
hassl-4524	336	2	transformation	transformation	NOUN
hassl-4524	336	3	,	,	PUNCT
hassl-4524	336	4	diversification	diversification	NOUN
hassl-4524	336	5	and	and	CCONJ
hassl-4524	336	6	stability	stability	NOUN
hassl-4524	337	1	:	:	PUNCT
hassl-4524	337	2	what	what	PRON
hassl-4524	337	3	do	do	AUX
hassl-4524	337	4	we	we	PRON
hassl-4524	337	5	know	know	VERB
hassl-4524	337	6	about	about	ADP
hassl-4524	337	7	banks	bank	NOUN
hassl-4524	337	8	?	?	PUNCT
hassl-4524	338	1	economic	economic	ADJ
hassl-4524	338	2	analysis	analysis	NOUN
hassl-4524	338	3	and	and	CCONJ
hassl-4524	338	4	policy	policy	NOUN
hassl-4524	338	5	,	,	PUNCT
hassl-4524	338	6	78	78	NUM
hassl-4524	338	7	,	,	PUNCT
hassl-4524	338	8	122	122	NUM
hassl-4524	338	9	-	-	SYM
hassl-4524	338	10	132	132	NUM
hassl-4524	338	11	.	.	PUNCT
hassl-4524	339	1	https://doi.org/10.1016/j.eap.2023.03.004	https://doi.org/10.1016/j.eap.2023.03.004	NOUN
hassl-4524	339	2	köhler	köhler	NOUN
hassl-4524	339	3	,	,	PUNCT
hassl-4524	339	4	m.	m.	NOUN
hassl-4524	339	5	(	(	PUNCT
hassl-4524	339	6	2014	2014	NUM
hassl-4524	339	7	)	)	PUNCT
hassl-4524	339	8	.	.	PUNCT
hassl-4524	340	1	does	do	AUX
hassl-4524	340	2	non	non	ADJ
hassl-4524	340	3	-	-	ADJ
hassl-4524	340	4	interest	interest	ADJ
hassl-4524	340	5	income	income	NOUN
hassl-4524	340	6	make	make	VERB
hassl-4524	340	7	banks	bank	NOUN
hassl-4524	340	8	more	more	ADV
hassl-4524	340	9	risky	risky	ADJ
hassl-4524	340	10	?	?	PUNCT
hassl-4524	341	1	retailversus	retailversus	NOUN
hassl-4524	341	2	investment	investment	NOUN
hassl-4524	341	3	-	-	PUNCT
hassl-4524	341	4	oriented	orient	VERB
hassl-4524	341	5	banks	bank	NOUN
hassl-4524	341	6	.	.	PUNCT
hassl-4524	342	1	review	review	NOUN
hassl-4524	342	2	of	of	ADP
hassl-4524	342	3	financial	financial	ADJ
hassl-4524	342	4	economics	economic	NOUN
hassl-4524	342	5	,	,	PUNCT
hassl-4524	342	6	23(4	23(4	NOUN
hassl-4524	342	7	)	)	PUNCT
hassl-4524	342	8	,	,	PUNCT
hassl-4524	342	9	182–193	182–193	NUM
hassl-4524	342	10	.	.	PUNCT
hassl-4524	342	11	https://doi.org/10.1016/j.rfe.2014.08.001	https://doi.org/10.1016/j.rfe.2014.08.001	PROPN
hassl-4524	342	12	kriebel	kriebel	PROPN
hassl-4524	342	13	,	,	PUNCT
hassl-4524	342	14	j.	j.	PROPN
hassl-4524	342	15	,	,	PUNCT
hassl-4524	342	16	&	&	CCONJ
hassl-4524	342	17	debener	debener	PROPN
hassl-4524	342	18	,	,	PUNCT
hassl-4524	342	19	j.	j.	PROPN
hassl-4524	342	20	(	(	PUNCT
hassl-4524	342	21	2019	2019	NUM
hassl-4524	342	22	)	)	PUNCT
hassl-4524	342	23	.	.	PUNCT
hassl-4524	343	1	the	the	DET
hassl-4524	343	2	effect	effect	NOUN
hassl-4524	343	3	of	of	ADP
hassl-4524	343	4	digital	digital	ADJ
hassl-4524	343	5	transformation	transformation	NOUN
hassl-4524	343	6	on	on	ADP
hassl-4524	343	7	bank	bank	NOUN
hassl-4524	343	8	performance	performance	NOUN
hassl-4524	343	9	.	.	PUNCT
hassl-4524	344	1	ssrn	ssrn	NOUN
hassl-4524	344	2	,	,	PUNCT
hassl-4524	344	3	1	1	NUM
hassl-4524	344	4	-	-	SYM
hassl-4524	344	5	34	34	NUM
hassl-4524	344	6	.	.	PUNCT
hassl-4524	345	1	https://doi.org/10.2139/ssrn.3461594	https://doi.org/10.2139/ssrn.3461594	PROPN
hassl-4524	345	2	laeven	laeven	ADJ
hassl-4524	345	3	,	,	PUNCT
hassl-4524	345	4	l.	l.	PROPN
hassl-4524	345	5	,	,	PUNCT
hassl-4524	345	6	levine	levine	PROPN
hassl-4524	345	7	,	,	PUNCT
hassl-4524	345	8	r.	r.	PROPN
hassl-4524	345	9	,	,	PUNCT
hassl-4524	345	10	&	&	CCONJ
hassl-4524	345	11	michalopoulos	michalopoulos	PROPN
hassl-4524	345	12	,	,	PUNCT
hassl-4524	345	13	s.	s.	PROPN
hassl-4524	345	14	(	(	PUNCT
hassl-4524	345	15	2015	2015	NUM
hassl-4524	345	16	)	)	PUNCT
hassl-4524	345	17	.	.	PUNCT
hassl-4524	346	1	financial	financial	ADJ
hassl-4524	346	2	innovation	innovation	NOUN
hassl-4524	346	3	and	and	CCONJ
hassl-4524	346	4	endogenous	endogenous	ADJ
hassl-4524	346	5	growth	growth	NOUN
hassl-4524	346	6	.	.	PUNCT
hassl-4524	347	1	journal	journal	NOUN
hassl-4524	347	2	of	of	ADP
hassl-4524	347	3	financial	financial	ADJ
hassl-4524	347	4	intermediation	intermediation	NOUN
hassl-4524	347	5	,	,	PUNCT
hassl-4524	347	6	24(1	24(1	NUM
hassl-4524	347	7	)	)	PUNCT
hassl-4524	347	8	,	,	PUNCT
hassl-4524	347	9	1	1	NUM
hassl-4524	347	10	-	-	SYM
hassl-4524	347	11	24	24	NUM
hassl-4524	347	12	.	.	PUNCT
hassl-4524	348	1	https://doi.org/10.1016/j.jfi.2014.04.001	https://doi.org/10.1016/j.jfi.2014.04.001	ADJ
hassl-4524	348	2	lepetit	lepetit	PROPN
hassl-4524	348	3	,	,	PUNCT
hassl-4524	348	4	l.	l.	PROPN
hassl-4524	348	5	,	,	PUNCT
hassl-4524	348	6	nys	nys	PROPN
hassl-4524	348	7	,	,	PUNCT
hassl-4524	348	8	e.	e.	PROPN
hassl-4524	348	9	,	,	PUNCT
hassl-4524	348	10	rous	rous	ADJ
hassl-4524	348	11	,	,	PUNCT
hassl-4524	348	12	p.	p.	NOUN
hassl-4524	348	13	,	,	PUNCT
hassl-4524	348	14	&	&	CCONJ
hassl-4524	348	15	tarazi	tarazi	NOUN
hassl-4524	348	16	,	,	PUNCT
hassl-4524	348	17	a.	a.	NOUN
hassl-4524	348	18	(	(	PUNCT
hassl-4524	348	19	2008	2008	NUM
hassl-4524	348	20	)	)	PUNCT
hassl-4524	348	21	.	.	PUNCT
hassl-4524	349	1	bank	bank	NOUN
hassl-4524	349	2	income	income	NOUN
hassl-4524	349	3	structure	structure	NOUN
hassl-4524	349	4	and	and	CCONJ
hassl-4524	349	5	risk	risk	NOUN
hassl-4524	349	6	:	:	PUNCT
hassl-4524	349	7	an	an	DET
hassl-4524	349	8	empirical	empirical	ADJ
hassl-4524	349	9	analysis	analysis	NOUN
hassl-4524	349	10	of	of	ADP
hassl-4524	349	11	european	european	ADJ
hassl-4524	349	12	banks	bank	NOUN
hassl-4524	349	13	.	.	PUNCT
hassl-4524	350	1	journal	journal	PROPN
hassl-4524	350	2	of	of	ADP
hassl-4524	350	3	banking	banking	NOUN
hassl-4524	350	4	&	&	CCONJ
hassl-4524	350	5	finance	finance	NOUN
hassl-4524	350	6	,	,	PUNCT
hassl-4524	350	7	32(8	32(8	NUM
hassl-4524	350	8	)	)	PUNCT
hassl-4524	350	9	,	,	PUNCT
hassl-4524	350	10	1452	1452	NUM
hassl-4524	350	11	-	-	SYM
hassl-4524	350	12	1467	1467	NUM
hassl-4524	350	13	.	.	PUNCT
hassl-4524	351	1	https://doi.org/10.1016/j.jbankfin.2007.12.002	https://doi.org/10.1016/j.jbankfin.2007.12.002	PROPN
hassl-4524	351	2	li	li	PROPN
hassl-4524	351	3	,	,	PUNCT
hassl-4524	351	4	x.	x.	NOUN
hassl-4524	351	5	,	,	PUNCT
hassl-4524	351	6	tripe	tripe	NOUN
hassl-4524	351	7	,	,	PUNCT
hassl-4524	351	8	d.	d.	PROPN
hassl-4524	351	9	w.	w.	PROPN
hassl-4524	351	10	l.	l.	PROPN
hassl-4524	351	11	,	,	PUNCT
hassl-4524	351	12	&	&	CCONJ
hassl-4524	351	13	malone	malone	PROPN
hassl-4524	351	14	,	,	PUNCT
hassl-4524	351	15	c.	c.	PROPN
hassl-4524	351	16	b.	b.	PROPN
hassl-4524	351	17	(	(	PUNCT
hassl-4524	351	18	2017	2017	NUM
hassl-4524	351	19	)	)	PUNCT
hassl-4524	351	20	.	.	PUNCT
hassl-4524	352	1	measuring	measure	VERB
hassl-4524	352	2	bank	bank	NOUN
hassl-4524	352	3	risk	risk	NOUN
hassl-4524	352	4	:	:	PUNCT
hassl-4524	352	5	an	an	DET
hassl-4524	352	6	exploration	exploration	NOUN
hassl-4524	352	7	of	of	ADP
hassl-4524	352	8	z	z	NOUN
hassl-4524	352	9	-	-	PUNCT
hassl-4524	352	10	score	score	NOUN
hassl-4524	352	11	.	.	PUNCT
hassl-4524	353	1	ssrn	ssrn	NOUN
hassl-4524	353	2	,	,	PUNCT
hassl-4524	353	3	1	1	NUM
hassl-4524	353	4	-	-	SYM
hassl-4524	353	5	38	38	NUM
hassl-4524	353	6	.	.	PUNCT
hassl-4524	354	1	https://doi.org/10.2139/ssrn.2823946	https://doi.org/10.2139/ssrn.2823946	PROPN
hassl-4524	354	2	markowitz	markowitz	PROPN
hassl-4524	354	3	,	,	PUNCT
hassl-4524	354	4	h.	h.	PROPN
hassl-4524	354	5	(	(	PUNCT
hassl-4524	354	6	1952	1952	NUM
hassl-4524	354	7	)	)	PUNCT
hassl-4524	354	8	.	.	PUNCT
hassl-4524	355	1	portfolio	portfolio	NOUN
hassl-4524	355	2	selection	selection	NOUN
hassl-4524	355	3	.	.	PUNCT
hassl-4524	356	1	the	the	DET
hassl-4524	356	2	journal	journal	PROPN
hassl-4524	356	3	of	of	ADP
hassl-4524	356	4	finance	finance	NOUN
hassl-4524	356	5	,	,	PUNCT
hassl-4524	356	6	7(1	7(1	NUM
hassl-4524	356	7	)	)	PUNCT
hassl-4524	356	8	,	,	PUNCT
hassl-4524	356	9	77–91	77–91	NUM
hassl-4524	356	10	.	.	PUNCT
hassl-4524	357	1	https://doi.org/10.1111/j.15406261.1952.tb01525.x	https://doi.org/10.1111/j.15406261.1952.tb01525.x	PROPN
hassl-4524	357	2	mehmood	mehmood	PROPN
hassl-4524	357	3	,	,	PUNCT
hassl-4524	357	4	n.	n.	NOUN
hassl-4524	357	5	,	,	PUNCT
hassl-4524	357	6	shah	shah	PROPN
hassl-4524	357	7	,	,	PUNCT
hassl-4524	357	8	f.	f.	PROPN
hassl-4524	357	9	,	,	PUNCT
hassl-4524	357	10	azhar	azhar	PROPN
hassl-4524	357	11	,	,	PUNCT
hassl-4524	357	12	m.	m.	NOUN
hassl-4524	357	13	,	,	PUNCT
hassl-4524	357	14	&	&	CCONJ
hassl-4524	357	15	rasheed	rasheed	PROPN
hassl-4524	357	16	,	,	PUNCT
hassl-4524	357	17	a.	a.	NOUN
hassl-4524	357	18	(	(	PUNCT
hassl-4524	357	19	2014	2014	NUM
hassl-4524	357	20	)	)	PUNCT
hassl-4524	357	21	.	.	PUNCT
hassl-4524	358	1	the	the	DET
hassl-4524	358	2	factors	factor	NOUN
hassl-4524	358	3	effecting	effect	VERB
hassl-4524	358	4	e	e	NOUN
hassl-4524	358	5	-	-	ADJ
hassl-4524	358	6	banking	banking	ADJ
hassl-4524	358	7	usage	usage	NOUN
hassl-4524	358	8	in	in	ADP
hassl-4524	358	9	pakistan	pakistan	PROPN
hassl-4524	358	10	.	.	PUNCT
hassl-4524	359	1	journal	journal	PROPN
hassl-4524	359	2	of	of	ADP
hassl-4524	359	3	management	management	NOUN
hassl-4524	359	4	information	information	NOUN
hassl-4524	359	5	system	system	NOUN
hassl-4524	359	6	and	and	CCONJ
hassl-4524	359	7	e	e	NOUN
hassl-4524	359	8	-	-	NOUN
hassl-4524	359	9	commerce	commerce	NOUN
hassl-4524	359	10	,	,	PUNCT
hassl-4524	359	11	1(1	1(1	NUM
hassl-4524	359	12	)	)	PUNCT
hassl-4524	359	13	,	,	PUNCT
hassl-4524	359	14	57–94	57–94	NUM
hassl-4524	359	15	.	.	PUNCT
hassl-4524	359	16	ozili	ozili	PROPN
hassl-4524	359	17	,	,	PUNCT
hassl-4524	359	18	p.	p.	PROPN
hassl-4524	359	19	k.	k.	PROPN
hassl-4524	359	20	,	,	PUNCT
hassl-4524	359	21	&	&	CCONJ
hassl-4524	359	22	outa	outa	PROPN
hassl-4524	359	23	,	,	PUNCT
hassl-4524	359	24	e.	e.	PROPN
hassl-4524	359	25	(	(	PUNCT
hassl-4524	359	26	2017	2017	NUM
hassl-4524	359	27	)	)	PUNCT
hassl-4524	359	28	.	.	PUNCT
hassl-4524	360	1	bank	bank	NOUN
hassl-4524	360	2	loan	loan	NOUN
hassl-4524	360	3	loss	loss	NOUN
hassl-4524	360	4	provisions	provision	NOUN
hassl-4524	360	5	research	research	NOUN
hassl-4524	360	6	:	:	PUNCT
hassl-4524	360	7	a	a	DET
hassl-4524	360	8	review	review	NOUN
hassl-4524	360	9	.	.	PUNCT
hassl-4524	361	1	borsa	borsa	PROPN
hassl-4524	361	2	istanbul	istanbul	PROPN
hassl-4524	361	3	review	review	PROPN
hassl-4524	361	4	,	,	PUNCT
hassl-4524	361	5	17(3	17(3	NUM
hassl-4524	361	6	)	)	PUNCT
hassl-4524	361	7	,	,	PUNCT
hassl-4524	361	8	144	144	NUM
hassl-4524	361	9	-	-	SYM
hassl-4524	361	10	163	163	NUM
hassl-4524	361	11	.	.	PUNCT
hassl-4524	362	1	https://doi.org/10.1016/j.bir.2017.05.001	https://doi.org/10.1016/j.bir.2017.05.001	PROPN
hassl-4524	362	2	sanya	sanya	PROPN
hassl-4524	362	3	,	,	PUNCT
hassl-4524	362	4	s.	s.	PROPN
hassl-4524	362	5	,	,	PUNCT
hassl-4524	362	6	&	&	CCONJ
hassl-4524	362	7	wolfe	wolfe	PROPN
hassl-4524	362	8	,	,	PUNCT
hassl-4524	362	9	s.	s.	PROPN
hassl-4524	362	10	(	(	PUNCT
hassl-4524	362	11	2011	2011	NUM
hassl-4524	362	12	)	)	PUNCT
hassl-4524	362	13	.	.	PUNCT
hassl-4524	363	1	can	can	AUX
hassl-4524	363	2	banks	bank	NOUN
hassl-4524	363	3	in	in	ADP
hassl-4524	363	4	emerging	emerge	VERB
hassl-4524	363	5	economies	economy	NOUN
hassl-4524	363	6	benefit	benefit	VERB
hassl-4524	363	7	from	from	ADP
hassl-4524	363	8	revenue	revenue	NOUN
hassl-4524	363	9	diversification	diversification	NOUN
hassl-4524	363	10	?	?	PUNCT
hassl-4524	364	1	journal	journal	NOUN
hassl-4524	364	2	of	of	ADP
hassl-4524	364	3	financial	financial	ADJ
hassl-4524	364	4	services	service	NOUN
hassl-4524	364	5	research	research	NOUN
hassl-4524	364	6	,	,	PUNCT
hassl-4524	364	7	40	40	NUM
hassl-4524	364	8	,	,	PUNCT
hassl-4524	364	9	79	79	NUM
hassl-4524	364	10	-	-	SYM
hassl-4524	364	11	101	101	NUM
hassl-4524	364	12	.	.	PUNCT
hassl-4524	365	1	https://doi.org/10.1007/s10693-010-0098-z	https://doi.org/10.1007/s10693-010-0098-z	PROPN
hassl-4524	365	2	stiroh	stiroh	PROPN
hassl-4524	365	3	,	,	PUNCT
hassl-4524	365	4	k.	k.	PROPN
hassl-4524	365	5	j.	j.	PROPN
hassl-4524	365	6	(	(	PUNCT
hassl-4524	365	7	2004	2004	NUM
hassl-4524	365	8	)	)	PUNCT
hassl-4524	365	9	.	.	PUNCT
hassl-4524	366	1	diversification	diversification	NOUN
hassl-4524	366	2	in	in	ADP
hassl-4524	366	3	banking	banking	NOUN
hassl-4524	366	4	:	:	PUNCT
hassl-4524	366	5	is	be	AUX
hassl-4524	366	6	noninterest	noninter	ADJ
hassl-4524	366	7	income	income	NOUN
hassl-4524	366	8	the	the	DET
hassl-4524	366	9	answer	answer	NOUN
hassl-4524	366	10	?	?	PUNCT
hassl-4524	367	1	journal	journal	NOUN
hassl-4524	367	2	of	of	ADP
hassl-4524	367	3	money	money	NOUN
hassl-4524	367	4	,	,	PUNCT
hassl-4524	367	5	credit	credit	NOUN
hassl-4524	367	6	and	and	CCONJ
hassl-4524	367	7	banking	banking	NOUN
hassl-4524	367	8	,	,	PUNCT
hassl-4524	367	9	36(5	36(5	NUM
hassl-4524	367	10	)	)	PUNCT
hassl-4524	367	11	,	,	PUNCT
hassl-4524	367	12	853	853	NUM
hassl-4524	367	13	–	–	PUNCT
hassl-4524	367	14	882	882	NUM
hassl-4524	367	15	.	.	PUNCT
hassl-4524	367	16	stiroh	stiroh	PROPN
hassl-4524	367	17	,	,	PUNCT
hassl-4524	367	18	k.	k.	PROPN
hassl-4524	367	19	j.	j.	PROPN
hassl-4524	367	20	(	(	PUNCT
hassl-4524	367	21	2006	2006	NUM
hassl-4524	367	22	)	)	PUNCT
hassl-4524	367	23	.	.	PUNCT
hassl-4524	368	1	a	a	DET
hassl-4524	368	2	portfolio	portfolio	NOUN
hassl-4524	368	3	view	view	NOUN
hassl-4524	368	4	of	of	ADP
hassl-4524	368	5	banking	banking	NOUN
hassl-4524	368	6	with	with	ADP
hassl-4524	368	7	interest	interest	NOUN
hassl-4524	368	8	and	and	CCONJ
hassl-4524	368	9	noninterest	noninter	ADJ
hassl-4524	368	10	activities	activity	NOUN
hassl-4524	368	11	.	.	PUNCT
hassl-4524	369	1	journal	journal	NOUN
hassl-4524	369	2	of	of	ADP
hassl-4524	369	3	money	money	NOUN
hassl-4524	369	4	,	,	PUNCT
hassl-4524	369	5	credit	credit	NOUN
hassl-4524	369	6	and	and	CCONJ
hassl-4524	369	7	banking	banking	NOUN
hassl-4524	369	8	,	,	PUNCT
hassl-4524	369	9	38(5	38(5	NUM
hassl-4524	369	10	)	)	PUNCT
hassl-4524	369	11	,	,	PUNCT
hassl-4524	369	12	1351–1361	1351–1361	NUM
hassl-4524	369	13	.	.	PUNCT
hassl-4524	370	1	stiroh	stiroh	PROPN
hassl-4524	370	2	,	,	PUNCT
hassl-4524	370	3	k.	k.	PROPN
hassl-4524	370	4	j.	j.	PROPN
hassl-4524	370	5	,	,	PUNCT
hassl-4524	370	6	&	&	CCONJ
hassl-4524	370	7	rumble	rumble	PROPN
hassl-4524	370	8	,	,	PUNCT
hassl-4524	370	9	a.	a.	NOUN
hassl-4524	370	10	(	(	PUNCT
hassl-4524	370	11	2006	2006	NUM
hassl-4524	370	12	)	)	PUNCT
hassl-4524	370	13	.	.	PUNCT
hassl-4524	371	1	the	the	DET
hassl-4524	371	2	dark	dark	ADJ
hassl-4524	371	3	side	side	NOUN
hassl-4524	371	4	of	of	ADP
hassl-4524	371	5	diversification	diversification	NOUN
hassl-4524	371	6	:	:	PUNCT
hassl-4524	371	7	the	the	DET
hassl-4524	371	8	case	case	NOUN
hassl-4524	371	9	of	of	ADP
hassl-4524	371	10	us	us	PROPN
hassl-4524	371	11	financial	financial	ADJ
hassl-4524	371	12	holding	hold	VERB
hassl-4524	371	13	companies	company	NOUN
hassl-4524	371	14	.	.	PUNCT
hassl-4524	372	1	journal	journal	NOUN
hassl-4524	372	2	of	of	ADP
hassl-4524	372	3	banking	banking	NOUN
hassl-4524	372	4	&	&	CCONJ
hassl-4524	372	5	finance	finance	NOUN
hassl-4524	372	6	,	,	PUNCT
hassl-4524	372	7	30(8	30(8	NUM
hassl-4524	372	8	)	)	PUNCT
hassl-4524	372	9	,	,	PUNCT
hassl-4524	372	10	2131	2131	NUM
hassl-4524	372	11	-	-	SYM
hassl-4524	372	12	2161	2161	NUM
hassl-4524	372	13	.	.	PUNCT
hassl-4524	373	1	https://doi.org/10.1016/j.jbankfin.2005.04.030	https://doi.org/10.1016/j.jbankfin.2005.04.030	PROPN
hassl-4524	373	2	uddin	uddin	PROPN
hassl-4524	373	3	,	,	PUNCT
hassl-4524	373	4	m.	m.	PROPN
hassl-4524	373	5	h.	h.	PROPN
hassl-4524	373	6	,	,	PUNCT
hassl-4524	373	7	ali	ali	PROPN
hassl-4524	373	8	,	,	PUNCT
hassl-4524	373	9	m.	m.	PROPN
hassl-4524	373	10	h.	h.	PROPN
hassl-4524	373	11	,	,	PUNCT
hassl-4524	373	12	&	&	CCONJ
hassl-4524	373	13	hassan	hassan	PROPN
hassl-4524	373	14	,	,	PUNCT
hassl-4524	373	15	m.	m.	PROPN
hassl-4524	373	16	k.	k.	PROPN
hassl-4524	373	17	(	(	PUNCT
hassl-4524	373	18	2020	2020	NUM
hassl-4524	373	19	)	)	PUNCT
hassl-4524	373	20	.	.	PUNCT
hassl-4524	374	1	cybersecurity	cybersecurity	NOUN
hassl-4524	374	2	hazards	hazard	NOUN
hassl-4524	374	3	and	and	CCONJ
hassl-4524	374	4	financial	financial	ADJ
hassl-4524	374	5	system	system	NOUN
hassl-4524	374	6	vulnerability	vulnerability	NOUN
hassl-4524	374	7	:	:	PUNCT
hassl-4524	374	8	a	a	DET
hassl-4524	374	9	synthesis	synthesis	NOUN
hassl-4524	374	10	of	of	ADP
hassl-4524	374	11	literature	literature	NOUN
hassl-4524	374	12	.	.	PUNCT
hassl-4524	375	1	risk	risk	NOUN
hassl-4524	375	2	management	management	NOUN
hassl-4524	375	3	,	,	PUNCT
hassl-4524	375	4	22(4	22(4	NUM
hassl-4524	375	5	)	)	PUNCT
hassl-4524	375	6	,	,	PUNCT
hassl-4524	375	7	239–309	239–309	NUM
hassl-4524	375	8	.	.	PUNCT
hassl-4524	376	1	https://doi.org/10.1057/s41283-020-00063-2	https://doi.org/10.1057/s41283-020-00063-2	PROPN
hassl-4524	376	2	valverde	valverde	PROPN
hassl-4524	376	3	,	,	PUNCT
hassl-4524	376	4	s.	s.	PROPN
hassl-4524	376	5	c.	c.	PROPN
hassl-4524	376	6	,	,	PUNCT
hassl-4524	376	7	&	&	CCONJ
hassl-4524	376	8	fernández	fernández	PROPN
hassl-4524	376	9	,	,	PUNCT
hassl-4524	376	10	f.	f.	PROPN
hassl-4524	376	11	r.	r.	PROPN
hassl-4524	376	12	(	(	PUNCT
hassl-4524	376	13	2007	2007	NUM
hassl-4524	376	14	)	)	PUNCT
hassl-4524	376	15	.	.	PUNCT
hassl-4524	377	1	the	the	DET
hassl-4524	377	2	determinants	determinant	NOUN
hassl-4524	377	3	of	of	ADP
hassl-4524	377	4	bank	bank	NOUN
hassl-4524	377	5	margins	margin	NOUN
hassl-4524	377	6	in	in	ADP
hassl-4524	377	7	european	european	ADJ
hassl-4524	377	8	banking	banking	NOUN
hassl-4524	377	9	.	.	PUNCT
hassl-4524	378	1	journal	journal	PROPN
hassl-4524	378	2	of	of	ADP
hassl-4524	378	3	banking	banking	NOUN
hassl-4524	378	4	&	&	CCONJ
hassl-4524	378	5	finance	finance	NOUN
hassl-4524	378	6	,	,	PUNCT
hassl-4524	378	7	31(7	31(7	PROPN
hassl-4524	378	8	)	)	PUNCT
hassl-4524	378	9	,	,	PUNCT
hassl-4524	378	10	2043	2043	NUM
hassl-4524	378	11	-	-	SYM
hassl-4524	378	12	2063	2063	NUM
hassl-4524	378	13	.	.	PUNCT
hassl-4524	379	1	https://doi.org/10.1016/j.jbankfin.2006.06.017	https://doi.org/10.1016/j.jbankfin.2006.06.017	PROPN
hassl-4524	379	2	xie	xie	PROPN
hassl-4524	379	3	,	,	PUNCT
hassl-4524	379	4	x.	x.	PROPN
hassl-4524	379	5	,	,	PUNCT
hassl-4524	379	6	&	&	CCONJ
hassl-4524	379	7	wang	wang	PROPN
hassl-4524	379	8	,	,	PUNCT
hassl-4524	379	9	s.	s.	PROPN
hassl-4524	379	10	(	(	PUNCT
hassl-4524	379	11	2023	2023	NUM
hassl-4524	379	12	)	)	PUNCT
hassl-4524	379	13	.	.	PUNCT
hassl-4524	380	1	digital	digital	ADJ
hassl-4524	380	2	transformation	transformation	NOUN
hassl-4524	380	3	of	of	ADP
hassl-4524	380	4	commercial	commercial	ADJ
hassl-4524	380	5	banks	bank	NOUN
hassl-4524	380	6	in	in	ADP
hassl-4524	380	7	china	china	PROPN
hassl-4524	380	8	:	:	PUNCT
hassl-4524	380	9	measurement	measurement	NOUN
hassl-4524	380	10	,	,	PUNCT
hassl-4524	380	11	progress	progress	NOUN
hassl-4524	380	12	and	and	CCONJ
hassl-4524	380	13	impact	impact	NOUN
hassl-4524	380	14	.	.	PUNCT
hassl-4524	381	1	china	china	PROPN
hassl-4524	381	2	economic	economic	PROPN
hassl-4524	381	3	quarterly	quarterly	PROPN
hassl-4524	381	4	international	international	ADJ
hassl-4524	381	5	,	,	PUNCT
hassl-4524	381	6	3(1	3(1	NUM
hassl-4524	381	7	)	)	PUNCT
hassl-4524	381	8	,	,	PUNCT
hassl-4524	381	9	35–45	35–45	X
hassl-4524	381	10	.	.	PUNCT
hassl-4524	382	1	https://doi.org/10.1016/j.ceqi.2023.03.002	https://doi.org/10.1016/j.ceqi.2023.03.002	VERB
hassl-4524	382	2	zheng	zheng	PROPN
hassl-4524	382	3	,	,	PUNCT
hassl-4524	382	4	c.	c.	PROPN
hassl-4524	382	5	,	,	PUNCT
hassl-4524	382	6	islam	islam	PROPN
hassl-4524	382	7	,	,	PUNCT
hassl-4524	382	8	m.	m.	NOUN
hassl-4524	382	9	n.	n.	PROPN
hassl-4524	382	10	,	,	PUNCT
hassl-4524	382	11	hasan	hasan	PROPN
hassl-4524	382	12	,	,	PUNCT
hassl-4524	382	13	n.	n.	PROPN
hassl-4524	382	14	,	,	PUNCT
hassl-4524	382	15	&	&	CCONJ
hassl-4524	382	16	halim	halim	PROPN
hassl-4524	382	17	,	,	PUNCT
hassl-4524	382	18	m.	m.	NOUN
hassl-4524	382	19	a.	a.	NOUN
hassl-4524	382	20	(	(	PUNCT
hassl-4524	382	21	2022	2022	NUM
hassl-4524	382	22	)	)	PUNCT
hassl-4524	382	23	.	.	PUNCT
hassl-4524	383	1	does	do	VERB
hassl-4524	383	2	intellectual	intellectual	ADJ
hassl-4524	383	3	capital	capital	NOUN
hassl-4524	383	4	efficiency	efficiency	NOUN
hassl-4524	383	5	matter	matter	NOUN
hassl-4524	383	6	for	for	ADP
hassl-4524	383	7	banks	bank	NOUN
hassl-4524	383	8	’	’	PART
hassl-4524	383	9	performance	performance	NOUN
hassl-4524	383	10	and	and	CCONJ
hassl-4524	383	11	risk	risk	NOUN
hassl-4524	383	12	-	-	PUNCT
hassl-4524	383	13	taking	take	VERB
hassl-4524	383	14	behavior	behavior	NOUN
hassl-4524	383	15	?	?	PUNCT
hassl-4524	384	1	cogent	cogent	NOUN
hassl-4524	384	2	economics	economic	NOUN
hassl-4524	384	3	&	&	CCONJ
hassl-4524	384	4	finance	finance	PROPN
hassl-4524	384	5	,	,	PUNCT
hassl-4524	384	6	10(1	10(1	NUM
hassl-4524	384	7	)	)	PUNCT
hassl-4524	384	8	,	,	PUNCT
hassl-4524	384	9	2127484	2127484	NUM
hassl-4524	384	10	.	.	PUNCT
hassl-4524	385	1	https://doi.org/10.1080/23322039.2022.2127484	https://doi.org/10.1080/23322039.2022.2127484	NOUN
hassl-4524	385	2	views	view	NOUN
hassl-4524	385	3	and	and	CCONJ
hassl-4524	385	4	opinions	opinion	NOUN
hassl-4524	385	5	expressed	express	VERB
hassl-4524	385	6	in	in	ADP
hassl-4524	385	7	this	this	DET
hassl-4524	385	8	article	article	NOUN
hassl-4524	385	9	are	be	AUX
hassl-4524	385	10	the	the	DET
hassl-4524	385	11	views	view	NOUN
hassl-4524	385	12	and	and	CCONJ
hassl-4524	385	13	opinions	opinion	NOUN
hassl-4524	385	14	of	of	ADP
hassl-4524	385	15	the	the	DET
hassl-4524	385	16	author(s	author(s	NOUN
hassl-4524	385	17	)	)	PUNCT
hassl-4524	385	18	,	,	PUNCT
hassl-4524	385	19	humanities	humanity	NOUN
hassl-4524	385	20	and	and	CCONJ
hassl-4524	385	21	social	social	ADJ
hassl-4524	385	22	sciences	science	NOUN
hassl-4524	385	23	letters	letter	NOUN
hassl-4524	385	24	shall	shall	AUX
hassl-4524	385	25	not	not	PART
hassl-4524	385	26	be	be	AUX
hassl-4524	385	27	responsible	responsible	ADJ
hassl-4524	385	28	or	or	CCONJ
hassl-4524	385	29	answerable	answerable	ADJ
hassl-4524	385	30	for	for	ADP
hassl-4524	385	31	any	any	DET
hassl-4524	385	32	loss	loss	NOUN
hassl-4524	385	33	,	,	PUNCT
hassl-4524	385	34	damage	damage	NOUN
hassl-4524	385	35	or	or	CCONJ
hassl-4524	385	36	liability	liability	NOUN
hassl-4524	385	37	etc	etc	X
hassl-4524	385	38	.	.	X
hassl-4524	385	39	caused	cause	VERB
hassl-4524	385	40	in	in	ADP
hassl-4524	385	41	relation	relation	NOUN
hassl-4524	385	42	to	to	PART
hassl-4524	385	43	/	/	PUNCT
hassl-4524	385	44	arising	arise	VERB
hassl-4524	385	45	out	out	ADP
hassl-4524	385	46	of	of	ADP
hassl-4524	385	47	the	the	DET
hassl-4524	385	48	use	use	NOUN
hassl-4524	385	49	of	of	ADP
hassl-4524	385	50	the	the	DET
hassl-4524	385	51	content	content	NOUN
hassl-4524	385	52	.	.	PUNCT
hassl-4524	386	1	https://doi.org/10.1057/jors.2008.128	https://doi.org/10.1057/jors.2008.128	ADJ
hassl-4524	386	2	https://doi.org/10.1016/j.eap.2023.03.004	https://doi.org/10.1016/j.eap.2023.03.004	PROPN
hassl-4524	386	3	https://doi.org/10.1016/j.rfe.2014.08.001	https://doi.org/10.1016/j.rfe.2014.08.001	NOUN
hassl-4524	386	4	https://doi.org/10.2139/ssrn.3461594	https://doi.org/10.2139/ssrn.3461594	X
hassl-4524	386	5	https://doi.org/10.1016/j.jfi.2014.04.001	https://doi.org/10.1016/j.jfi.2014.04.001	PROPN
hassl-4524	386	6	https://doi.org/10.1016/j.jbankfin.2007.12.002	https://doi.org/10.1016/j.jbankfin.2007.12.002	NOUN
hassl-4524	386	7	https://doi.org/10.2139/ssrn.2823946	https://doi.org/10.2139/ssrn.2823946	NOUN
hassl-4524	386	8	https://doi.org/10.1111/j.1540-6261.1952.tb01525.x	https://doi.org/10.1111/j.1540-6261.1952.tb01525.x	AUX
hassl-4524	386	9	https://doi.org/10.1111/j.1540-6261.1952.tb01525.x	https://doi.org/10.1111/j.1540-6261.1952.tb01525.x	PROPN
hassl-4524	386	10	https://doi.org/10.1016/j.bir.2017.05.001	https://doi.org/10.1016/j.bir.2017.05.001	VERB
hassl-4524	386	11	https://doi.org/10.1007/s10693-010-0098-z	https://doi.org/10.1007/s10693-010-0098-z	PROPN
hassl-4524	386	12	https://doi.org/10.1016/j.jbankfin.2005.04.030	https://doi.org/10.1016/j.jbankfin.2005.04.030	PROPN
hassl-4524	386	13	https://doi.org/10.1057/s41283-020-00063-2	https://doi.org/10.1057/s41283-020-00063-2	PROPN
hassl-4524	386	14	https://doi.org/10.1016/j.jbankfin.2006.06.017	https://doi.org/10.1016/j.jbankfin.2006.06.017	NOUN
hassl-4524	386	15	https://doi.org/10.1016/j.ceqi.2023.03.002	https://doi.org/10.1016/j.ceqi.2023.03.002	NOUN
hassl-4524	386	16	https://doi.org/10.1080/23322039.2022.2127484	https://doi.org/10.1080/23322039.2022.2127484	PUNCT