id	sid	tid	token	lemma	pos
ijtc-1512	1	1	ilomata	ilomata	PROPN
ijtc-1512	1	2	international	international	ADJ
ijtc-1512	1	3	journal	journal	NOUN
ijtc-1512	1	4	of	of	ADP
ijtc-1512	1	5	tax	tax	NOUN
ijtc-1512	1	6	and	and	CCONJ
ijtc-1512	1	7	accounting	account	VERB
ijtc-1512	1	8	p	p	X
ijtc-1512	1	9	-	-	PUNCT
ijtc-1512	1	10	issn	issn	NOUN
ijtc-1512	1	11	:	:	PUNCT
ijtc-1512	1	12	2714	2714	NUM
ijtc-1512	1	13	-	-	SYM
ijtc-1512	1	14	8971	8971	NUM
ijtc-1512	1	15	;	;	PUNCT
ijtc-1512	1	16	e	e	X
ijtc-1512	1	17	-	-	PUNCT
ijtc-1512	1	18	issn	issn	NOUN
ijtc-1512	1	19	:	:	PUNCT
ijtc-1512	1	20	2714	2714	NUM
ijtc-1512	1	21	-	-	SYM
ijtc-1512	1	22	8963	8963	NUM
ijtc-1512	1	23	volume	volume	NOUN
ijtc-1512	1	24	.	.	PUNCT
ijtc-1512	2	1	6	6	NUM
ijtc-1512	2	2	issue	issue	NOUN
ijtc-1512	2	3	1	1	NUM
ijtc-1512	2	4	january	january	PROPN
ijtc-1512	2	5	2025	2025	NUM
ijtc-1512	2	6	page	page	NOUN
ijtc-1512	2	7	no	no	INTJ
ijtc-1512	2	8	:	:	SYM
ijtc-1512	2	9	1	1	NUM
ijtc-1512	2	10	–	–	SYM
ijtc-1512	2	11	24	24	NUM
ijtc-1512	2	12	1	1	NUM
ijtc-1512	2	13	|	|	ADV
ijtc-1512	2	14	ilomata	ilomata	PROPN
ijtc-1512	2	15	international	international	ADJ
ijtc-1512	2	16	journal	journal	NOUN
ijtc-1512	2	17	of	of	ADP
ijtc-1512	2	18	tax	tax	PROPN
ijtc-1512	2	19	&	&	CCONJ
ijtc-1512	2	20	accounting	accounting	NOUN
ijtc-1512	2	21	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	2	22	examining	examine	VERB
ijtc-1512	2	23	the	the	DET
ijtc-1512	2	24	management	management	NOUN
ijtc-1512	2	25	impact	impact	NOUN
ijtc-1512	2	26	:	:	PUNCT
ijtc-1512	2	27	a	a	DET
ijtc-1512	2	28	literature	literature	NOUN
ijtc-1512	2	29	review	review	NOUN
ijtc-1512	2	30	on	on	ADP
ijtc-1512	2	31	the	the	DET
ijtc-1512	2	32	phasing	phasing	NOUN
ijtc-1512	2	33	out	out	ADP
ijtc-1512	2	34	of	of	ADP
ijtc-1512	2	35	cheques	cheque	NOUN
ijtc-1512	2	36	in	in	ADP
ijtc-1512	2	37	south	south	PROPN
ijtc-1512	2	38	africa	africa	PROPN
ijtc-1512	2	39	estelle	estelle	PROPN
ijtc-1512	3	1	deseree	deseree	PROPN
ijtc-1512	3	2	abrahams1	abrahams1	PROPN
ijtc-1512	3	3	1sol	1sol	PROPN
ijtc-1512	3	4	plaatje	plaatje	PROPN
ijtc-1512	3	5	university	university	PROPN
ijtc-1512	3	6	,	,	PUNCT
ijtc-1512	3	7	south	south	PROPN
ijtc-1512	3	8	africa	africa	PROPN
ijtc-1512	3	9	correspondent	correspondent	NOUN
ijtc-1512	3	10	:	:	PUNCT
ijtc-1512	3	11	estelle.abrahams@spu.ac.za1	estelle.abrahams@spu.ac.za1	NUM
ijtc-1512	3	12	received	receive	VERB
ijtc-1512	3	13	:	:	PUNCT
ijtc-1512	3	14	november	november	PROPN
ijtc-1512	3	15	11	11	NUM
ijtc-1512	3	16	,	,	PUNCT
ijtc-1512	3	17	2024	2024	NUM
ijtc-1512	3	18	accepted	accept	VERB
ijtc-1512	3	19	:	:	PUNCT
ijtc-1512	3	20	december	december	PROPN
ijtc-1512	3	21	30	30	NUM
ijtc-1512	3	22	,	,	PUNCT
ijtc-1512	3	23	2024	2024	NUM
ijtc-1512	3	24	published	publish	VERB
ijtc-1512	3	25	:	:	PUNCT
ijtc-1512	3	26	january	january	PROPN
ijtc-1512	3	27	31	31	NUM
ijtc-1512	3	28	,	,	PUNCT
ijtc-1512	3	29	2025	2025	NUM
ijtc-1512	3	30	citation	citation	NOUN
ijtc-1512	3	31	:	:	PUNCT
ijtc-1512	4	1	abrahams	abrahams	PROPN
ijtc-1512	4	2	,	,	PUNCT
ijtc-1512	4	3	e.d	e.d	PROPN
ijtc-1512	4	4	.	.	PROPN
ijtc-1512	4	5	&	&	CCONJ
ijtc-1512	4	6	pretorius	pretorius	PROPN
ijtc-1512	4	7	,	,	PUNCT
ijtc-1512	4	8	t.	t.	PROPN
ijtc-1512	4	9	(	(	PUNCT
ijtc-1512	4	10	2025	2025	NUM
ijtc-1512	4	11	)	)	PUNCT
ijtc-1512	4	12	.	.	PUNCT
ijtc-1512	5	1	examining	examine	VERB
ijtc-1512	5	2	the	the	DET
ijtc-1512	5	3	management	management	NOUN
ijtc-1512	5	4	impact	impact	NOUN
ijtc-1512	5	5	:	:	PUNCT
ijtc-1512	5	6	a	a	DET
ijtc-1512	5	7	literature	literature	NOUN
ijtc-1512	5	8	review	review	NOUN
ijtc-1512	5	9	on	on	ADP
ijtc-1512	5	10	the	the	DET
ijtc-1512	5	11	phasing	phasing	NOUN
ijtc-1512	5	12	out	out	ADP
ijtc-1512	5	13	of	of	ADP
ijtc-1512	5	14	cheques	cheque	NOUN
ijtc-1512	5	15	in	in	ADP
ijtc-1512	5	16	south	south	PROPN
ijtc-1512	5	17	africa	africa	PROPN
ijtc-1512	5	18	.	.	PUNCT
ijtc-1512	6	1	ilomata	ilomata	PROPN
ijtc-1512	6	2	international	international	ADJ
ijtc-1512	6	3	journal	journal	NOUN
ijtc-1512	6	4	of	of	ADP
ijtc-1512	6	5	tax	tax	NOUN
ijtc-1512	6	6	and	and	CCONJ
ijtc-1512	6	7	accounting	accounting	NOUN
ijtc-1512	6	8	,	,	PUNCT
ijtc-1512	6	9	6(1	6(1	NUM
ijtc-1512	6	10	)	)	PUNCT
ijtc-1512	6	11	,	,	PUNCT
ijtc-1512	6	12	1	1	NUM
ijtc-1512	6	13	–	–	SYM
ijtc-1512	6	14	24	24	NUM
ijtc-1512	6	15	.	.	PUNCT
ijtc-1512	7	1	https://doi.org/10.61194/ijtc.v6i1.1512	https://doi.org/10.61194/ijtc.v6i1.1512	NOUN
ijtc-1512	7	2	abstract	abstract	NOUN
ijtc-1512	7	3	:	:	PUNCT
ijtc-1512	7	4	south	south	PROPN
ijtc-1512	7	5	african	african	PROPN
ijtc-1512	7	6	reserve	reserve	PROPN
ijtc-1512	7	7	bank	bank	PROPN
ijtc-1512	7	8	,	,	PUNCT
ijtc-1512	7	9	along	along	ADP
ijtc-1512	7	10	with	with	ADP
ijtc-1512	7	11	other	other	ADJ
ijtc-1512	7	12	financial	financial	ADJ
ijtc-1512	7	13	authorities	authority	NOUN
ijtc-1512	7	14	,	,	PUNCT
ijtc-1512	7	15	announced	announce	VERB
ijtc-1512	7	16	that	that	SCONJ
ijtc-1512	7	17	as	as	ADP
ijtc-1512	7	18	of	of	ADP
ijtc-1512	7	19	december	december	PROPN
ijtc-1512	7	20	31	31	NUM
ijtc-1512	7	21	,	,	PUNCT
ijtc-1512	7	22	2020	2020	NUM
ijtc-1512	7	23	,	,	PUNCT
ijtc-1512	7	24	the	the	DET
ijtc-1512	7	25	acceptance	acceptance	NOUN
ijtc-1512	7	26	or	or	CCONJ
ijtc-1512	7	27	issuance	issuance	NOUN
ijtc-1512	7	28	of	of	ADP
ijtc-1512	7	29	cheques	cheque	NOUN
ijtc-1512	7	30	as	as	ADP
ijtc-1512	7	31	a	a	DET
ijtc-1512	7	32	valid	valid	ADJ
ijtc-1512	7	33	form	form	NOUN
ijtc-1512	7	34	of	of	ADP
ijtc-1512	7	35	payment	payment	NOUN
ijtc-1512	7	36	would	would	AUX
ijtc-1512	7	37	cease	cease	VERB
ijtc-1512	7	38	.	.	PUNCT
ijtc-1512	8	1	this	this	DET
ijtc-1512	8	2	study	study	NOUN
ijtc-1512	8	3	seeks	seek	VERB
ijtc-1512	8	4	to	to	PART
ijtc-1512	8	5	explore	explore	VERB
ijtc-1512	8	6	the	the	DET
ijtc-1512	8	7	management	management	NOUN
ijtc-1512	8	8	implications	implication	NOUN
ijtc-1512	8	9	of	of	ADP
ijtc-1512	8	10	this	this	DET
ijtc-1512	8	11	decision	decision	NOUN
ijtc-1512	8	12	,	,	PUNCT
ijtc-1512	8	13	considering	consider	VERB
ijtc-1512	8	14	the	the	DET
ijtc-1512	8	15	developing	develop	VERB
ijtc-1512	8	16	economic	economic	ADJ
ijtc-1512	8	17	landscape	landscape	NOUN
ijtc-1512	8	18	of	of	ADP
ijtc-1512	8	19	this	this	DET
ijtc-1512	8	20	country	country	NOUN
ijtc-1512	8	21	.	.	PUNCT
ijtc-1512	9	1	a	a	DET
ijtc-1512	9	2	qualitative	qualitative	ADJ
ijtc-1512	9	3	approach	approach	NOUN
ijtc-1512	9	4	was	be	AUX
ijtc-1512	9	5	employed	employ	VERB
ijtc-1512	9	6	,	,	PUNCT
ijtc-1512	9	7	utilizing	utilize	VERB
ijtc-1512	9	8	existing	exist	VERB
ijtc-1512	9	9	literature	literature	NOUN
ijtc-1512	9	10	to	to	PART
ijtc-1512	9	11	gain	gain	VERB
ijtc-1512	9	12	insights	insight	NOUN
ijtc-1512	9	13	into	into	ADP
ijtc-1512	9	14	the	the	DET
ijtc-1512	9	15	potential	potential	ADJ
ijtc-1512	9	16	impact	impact	NOUN
ijtc-1512	9	17	of	of	ADP
ijtc-1512	9	18	discontinuing	discontinuing	NOUN
ijtc-1512	9	19	cheques	cheque	NOUN
ijtc-1512	9	20	.	.	PUNCT
ijtc-1512	10	1	the	the	DET
ijtc-1512	10	2	findings	finding	NOUN
ijtc-1512	10	3	suggest	suggest	VERB
ijtc-1512	10	4	that	that	SCONJ
ijtc-1512	10	5	changes	change	NOUN
ijtc-1512	10	6	will	will	AUX
ijtc-1512	10	7	be	be	AUX
ijtc-1512	10	8	necessary	necessary	ADJ
ijtc-1512	10	9	for	for	SCONJ
ijtc-1512	10	10	businesses	business	NOUN
ijtc-1512	10	11	and	and	CCONJ
ijtc-1512	10	12	financial	financial	ADJ
ijtc-1512	10	13	houses	house	NOUN
ijtc-1512	10	14	to	to	PART
ijtc-1512	10	15	accommodate	accommodate	VERB
ijtc-1512	10	16	new	new	ADJ
ijtc-1512	10	17	digital	digital	ADJ
ijtc-1512	10	18	payment	payment	NOUN
ijtc-1512	10	19	solutions	solution	NOUN
ijtc-1512	10	20	and	and	CCONJ
ijtc-1512	10	21	educate	educate	VERB
ijtc-1512	10	22	vulnerable	vulnerable	ADJ
ijtc-1512	10	23	persons	person	NOUN
ijtc-1512	10	24	.	.	PUNCT
ijtc-1512	11	1	keywords	keyword	NOUN
ijtc-1512	11	2	:	:	PUNCT
ijtc-1512	11	3	digital	digital	ADJ
ijtc-1512	11	4	payment	payment	NOUN
ijtc-1512	11	5	;	;	PUNCT
ijtc-1512	11	6	developing	develop	VERB
ijtc-1512	11	7	country	country	NOUN
ijtc-1512	11	8	,	,	PUNCT
ijtc-1512	11	9	banking	banking	NOUN
ijtc-1512	11	10	,	,	PUNCT
ijtc-1512	11	11	cheque	cheque	NOUN
ijtc-1512	11	12	payment	payment	NOUN
ijtc-1512	11	13	.	.	PUNCT
ijtc-1512	12	1	this	this	PRON
ijtc-1512	12	2	is	be	AUX
ijtc-1512	12	3	an	an	DET
ijtc-1512	12	4	open	open	ADJ
ijtc-1512	12	5	access	access	NOUN
ijtc-1512	12	6	article	article	NOUN
ijtc-1512	12	7	under	under	ADP
ijtc-1512	12	8	the	the	DET
ijtc-1512	12	9	cc	cc	NOUN
ijtc-1512	12	10	-	-	PUNCT
ijtc-1512	12	11	by	by	ADP
ijtc-1512	12	12	4.0	4.0	NUM
ijtc-1512	12	13	license	license	NOUN
ijtc-1512	12	14	introduction	introduction	NOUN
ijtc-1512	12	15	during	during	ADP
ijtc-1512	12	16	the	the	DET
ijtc-1512	12	17	third	third	ADJ
ijtc-1512	12	18	quarter	quarter	NOUN
ijtc-1512	12	19	of	of	ADP
ijtc-1512	12	20	2004	2004	NUM
ijtc-1512	12	21	,	,	PUNCT
ijtc-1512	12	22	triple	triple	ADJ
ijtc-1512	12	23	-	-	PUNCT
ijtc-1512	12	24	digit	digit	NOUN
ijtc-1512	12	25	growth	growth	NOUN
ijtc-1512	12	26	in	in	ADP
ijtc-1512	12	27	electronic	electronic	ADJ
ijtc-1512	12	28	banking	banking	NOUN
ijtc-1512	12	29	already	already	ADV
ijtc-1512	12	30	appeared	appear	VERB
ijtc-1512	12	31	in	in	ADP
ijtc-1512	12	32	south	south	PROPN
ijtc-1512	12	33	africa	africa	PROPN
ijtc-1512	12	34	.	.	PUNCT
ijtc-1512	13	1	as	as	SCONJ
ijtc-1512	13	2	profit	profit	NOUN
ijtc-1512	13	3	margins	margin	NOUN
ijtc-1512	13	4	and	and	CCONJ
ijtc-1512	13	5	revenues	revenue	NOUN
ijtc-1512	13	6	steadily	steadily	ADV
ijtc-1512	13	7	increased	increase	VERB
ijtc-1512	13	8	,	,	PUNCT
ijtc-1512	13	9	the	the	DET
ijtc-1512	13	10	south	south	ADJ
ijtc-1512	13	11	african	african	ADJ
ijtc-1512	13	12	banks	bank	NOUN
ijtc-1512	13	13	could	could	AUX
ijtc-1512	13	14	have	have	VERB
ijtc-1512	13	15	an	an	DET
ijtc-1512	13	16	extra	extra	ADJ
ijtc-1512	13	17	option	option	NOUN
ijtc-1512	13	18	to	to	PART
ijtc-1512	13	19	make	make	VERB
ijtc-1512	13	20	money	money	NOUN
ijtc-1512	13	21	by	by	ADP
ijtc-1512	13	22	assessing	assess	VERB
ijtc-1512	13	23	its	its	PRON
ijtc-1512	13	24	core	core	NOUN
ijtc-1512	13	25	customers	customer	NOUN
ijtc-1512	13	26	:	:	PUNCT
ijtc-1512	13	27	when	when	SCONJ
ijtc-1512	13	28	is	be	AUX
ijtc-1512	13	29	that	that	DET
ijtc-1512	13	30	customer	customer	NOUN
ijtc-1512	13	31	ready	ready	ADJ
ijtc-1512	13	32	for	for	ADP
ijtc-1512	13	33	new	new	ADJ
ijtc-1512	13	34	service	service	NOUN
ijtc-1512	13	35	delivery	delivery	NOUN
ijtc-1512	13	36	channels	channel	NOUN
ijtc-1512	13	37	?	?	PUNCT
ijtc-1512	14	1	the	the	DET
ijtc-1512	14	2	extant	extant	ADJ
ijtc-1512	14	3	evidence	evidence	NOUN
ijtc-1512	14	4	related	relate	VERB
ijtc-1512	14	5	to	to	ADP
ijtc-1512	14	6	the	the	DET
ijtc-1512	14	7	diffusion	diffusion	NOUN
ijtc-1512	14	8	of	of	ADP
ijtc-1512	14	9	information	information	NOUN
ijtc-1512	14	10	and	and	CCONJ
ijtc-1512	14	11	communications	communication	NOUN
ijtc-1512	14	12	technology	technology	NOUN
ijtc-1512	14	13	(	(	PUNCT
ijtc-1512	14	14	ict	ict	PROPN
ijtc-1512	14	15	)	)	PUNCT
ijtc-1512	14	16	banking	banking	NOUN
ijtc-1512	14	17	services	service	NOUN
ijtc-1512	14	18	seems	seem	VERB
ijtc-1512	14	19	to	to	PART
ijtc-1512	14	20	believe	believe	VERB
ijtc-1512	14	21	that	that	SCONJ
ijtc-1512	14	22	they	they	PRON
ijtc-1512	14	23	are	be	AUX
ijtc-1512	14	24	increasing	increase	VERB
ijtc-1512	14	25	with	with	ADP
ijtc-1512	14	26	the	the	DET
ijtc-1512	14	27	increase	increase	NOUN
ijtc-1512	14	28	in	in	ADP
ijtc-1512	14	29	demand	demand	NOUN
ijtc-1512	14	30	for	for	ADP
ijtc-1512	14	31	digital	digital	ADJ
ijtc-1512	14	32	banking	banking	NOUN
ijtc-1512	14	33	services	service	NOUN
ijtc-1512	14	34	,	,	PUNCT
ijtc-1512	14	35	even	even	ADV
ijtc-1512	14	36	though	though	SCONJ
ijtc-1512	14	37	reports	report	NOUN
ijtc-1512	14	38	show	show	VERB
ijtc-1512	14	39	that	that	SCONJ
ijtc-1512	14	40	there	there	PRON
ijtc-1512	14	41	is	be	VERB
ijtc-1512	14	42	a	a	DET
ijtc-1512	14	43	reduction	reduction	NOUN
ijtc-1512	14	44	in	in	ADP
ijtc-1512	14	45	banking	banking	NOUN
ijtc-1512	14	46	costs	cost	NOUN
ijtc-1512	14	47	.	.	PUNCT
ijtc-1512	15	1	as	as	ADP
ijtc-1512	15	2	a	a	DET
ijtc-1512	15	3	result	result	NOUN
ijtc-1512	15	4	of	of	ADP
ijtc-1512	15	5	the	the	DET
ijtc-1512	15	6	increased	increase	VERB
ijtc-1512	15	7	deployment	deployment	NOUN
ijtc-1512	15	8	and	and	CCONJ
ijtc-1512	15	9	accessibility	accessibility	NOUN
ijtc-1512	15	10	of	of	ADP
ijtc-1512	15	11	digital	digital	ADJ
ijtc-1512	15	12	banking	banking	NOUN
ijtc-1512	15	13	services	service	NOUN
ijtc-1512	15	14	and	and	CCONJ
ijtc-1512	15	15	other	other	ADJ
ijtc-1512	15	16	self	self	NOUN
ijtc-1512	15	17	-	-	PUNCT
ijtc-1512	15	18	service	service	NOUN
ijtc-1512	15	19	banking	banking	NOUN
ijtc-1512	15	20	technologies	technology	NOUN
ijtc-1512	15	21	,	,	PUNCT
ijtc-1512	15	22	such	such	ADJ
ijtc-1512	15	23	as	as	ADP
ijtc-1512	15	24	the	the	DET
ijtc-1512	15	25	automatic	automatic	ADJ
ijtc-1512	15	26	teller	teller	NOUN
ijtc-1512	15	27	machine	machine	NOUN
ijtc-1512	15	28	(	(	PUNCT
ijtc-1512	15	29	atm	atm	NOUN
ijtc-1512	15	30	)	)	PUNCT
ijtc-1512	15	31	,	,	PUNCT
ijtc-1512	15	32	electronic	electronic	ADJ
ijtc-1512	15	33	funds	fund	NOUN
ijtc-1512	15	34	transfer	transfer	NOUN
ijtc-1512	15	35	(	(	PUNCT
ijtc-1512	15	36	eft	eft	PROPN
ijtc-1512	15	37	)	)	PUNCT
ijtc-1512	15	38	,	,	PUNCT
ijtc-1512	15	39	internet	internet	NOUN
ijtc-1512	15	40	,	,	PUNCT
ijtc-1512	15	41	and	and	CCONJ
ijtc-1512	15	42	mobile	mobile	ADJ
ijtc-1512	15	43	devices	device	NOUN
ijtc-1512	15	44	,	,	PUNCT
ijtc-1512	15	45	transaction	transaction	NOUN
ijtc-1512	15	46	costs	cost	NOUN
ijtc-1512	15	47	between	between	ADP
ijtc-1512	15	48	the	the	DET
ijtc-1512	15	49	banks	bank	NOUN
ijtc-1512	15	50	and	and	CCONJ
ijtc-1512	15	51	the	the	DET
ijtc-1512	15	52	customers	customer	NOUN
ijtc-1512	15	53	started	start	VERB
ijtc-1512	15	54	to	to	PART
ijtc-1512	15	55	decrease	decrease	VERB
ijtc-1512	15	56	which	which	PRON
ijtc-1512	15	57	,	,	PUNCT
ijtc-1512	15	58	in	in	ADP
ijtc-1512	15	59	turn	turn	NOUN
ijtc-1512	15	60	,	,	PUNCT
ijtc-1512	15	61	made	make	VERB
ijtc-1512	15	62	face	face	NOUN
ijtc-1512	15	63	-	-	PUNCT
ijtc-1512	15	64	to	to	ADP
ijtc-1512	15	65	-	-	PUNCT
ijtc-1512	15	66	face	face	NOUN
ijtc-1512	15	67	branch	branch	NOUN
ijtc-1512	15	68	banking	banking	NOUN
ijtc-1512	15	69	expensive	expensive	ADJ
ijtc-1512	15	70	for	for	ADP
ijtc-1512	15	71	banks	bank	NOUN
ijtc-1512	15	72	(	(	PUNCT
ijtc-1512	15	73	burns	burn	NOUN
ijtc-1512	15	74	,	,	PUNCT
ijtc-1512	15	75	2022	2022	NUM
ijtc-1512	15	76	;	;	PUNCT
ijtc-1512	15	77	howell	howell	PROPN
ijtc-1512	15	78	,	,	PUNCT
ijtc-1512	15	79	2020	2020	NUM
ijtc-1512	15	80	;	;	PUNCT
ijtc-1512	15	81	bosompem	bosompem	NOUN
ijtc-1512	15	82	&	&	CCONJ
ijtc-1512	15	83	nekhwevha	nekhwevha	PROPN
ijtc-1512	15	84	,	,	PUNCT
ijtc-1512	15	85	2023	2023	NUM
ijtc-1512	15	86	)	)	PUNCT
ijtc-1512	15	87	.	.	PUNCT
ijtc-1512	16	1	as	as	SCONJ
ijtc-1512	16	2	the	the	DET
ijtc-1512	16	3	global	global	ADJ
ijtc-1512	16	4	spread	spread	NOUN
ijtc-1512	16	5	of	of	ADP
ijtc-1512	16	6	the	the	DET
ijtc-1512	16	7	covid-19	covid-19	PROPN
ijtc-1512	16	8	virus	virus	NOUN
ijtc-1512	16	9	extended	extend	VERB
ijtc-1512	16	10	to	to	ADP
ijtc-1512	16	11	south	south	PROPN
ijtc-1512	16	12	africa	africa	PROPN
ijtc-1512	16	13	,	,	PUNCT
ijtc-1512	16	14	financial	financial	ADJ
ijtc-1512	16	15	institutions	institution	NOUN
ijtc-1512	16	16	responded	respond	VERB
ijtc-1512	16	17	by	by	ADP
ijtc-1512	16	18	implementing	implement	VERB
ijtc-1512	16	19	measures	measure	NOUN
ijtc-1512	16	20	aimed	aim	VERB
ijtc-1512	16	21	at	at	ADP
ijtc-1512	16	22	mitigating	mitigate	VERB
ijtc-1512	16	23	transmission	transmission	NOUN
ijtc-1512	16	24	risks	risk	NOUN
ijtc-1512	16	25	.	.	PUNCT
ijtc-1512	17	1	consequently	consequently	ADV
ijtc-1512	17	2	,	,	PUNCT
ijtc-1512	17	3	infected	infected	ADJ
ijtc-1512	17	4	citizens	citizen	NOUN
ijtc-1512	17	5	and	and	CCONJ
ijtc-1512	17	6	the	the	DET
ijtc-1512	17	7	broader	broad	ADJ
ijtc-1512	17	8	populace	populace	NOUN
ijtc-1512	17	9	began	begin	VERB
ijtc-1512	17	10	to	to	PART
ijtc-1512	17	11	curtail	curtail	VERB
ijtc-1512	17	12	face	face	NOUN
ijtc-1512	17	13	-	-	PUNCT
ijtc-1512	17	14	to	to	ADP
ijtc-1512	17	15	-	-	PUNCT
ijtc-1512	17	16	face	face	NOUN
ijtc-1512	17	17	banking	banking	NOUN
ijtc-1512	17	18	activities	activity	NOUN
ijtc-1512	17	19	as	as	ADP
ijtc-1512	17	20	a	a	DET
ijtc-1512	17	21	precautionary	precautionary	ADJ
ijtc-1512	17	22	measure	measure	NOUN
ijtc-1512	17	23	to	to	ADP
ijtc-1512	17	24	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	17	25	mailto	mailto	NOUN
ijtc-1512	17	26	:	:	PUNCT
ijtc-1512	17	27	estelle.abrahams@spu.ac.za1	estelle.abrahams@spu.ac.za1	NUM
ijtc-1512	17	28	https://doi.org/10.61194/ijtc.v6i1.1512	https://doi.org/10.61194/ijtc.v6i1.1512	PROPN
ijtc-1512	17	29	examining	examine	VERB
ijtc-1512	17	30	the	the	DET
ijtc-1512	17	31	management	management	NOUN
ijtc-1512	17	32	impact	impact	NOUN
ijtc-1512	17	33	:	:	PUNCT
ijtc-1512	17	34	a	a	DET
ijtc-1512	17	35	literature	literature	NOUN
ijtc-1512	17	36	review	review	NOUN
ijtc-1512	17	37	on	on	ADP
ijtc-1512	17	38	the	the	DET
ijtc-1512	17	39	phasing	phasing	NOUN
ijtc-1512	17	40	out	out	ADP
ijtc-1512	17	41	of	of	ADP
ijtc-1512	17	42	cheques	cheque	NOUN
ijtc-1512	17	43	in	in	ADP
ijtc-1512	17	44	south	south	PROPN
ijtc-1512	17	45	africa	africa	PROPN
ijtc-1512	17	46	abrahams	abrahams	PROPN
ijtc-1512	17	47	and	and	CCONJ
ijtc-1512	17	48	pretorius	pretorius	NOUN
ijtc-1512	17	49	2	2	NUM
ijtc-1512	17	50	|	|	ADV
ijtc-1512	17	51	ilomata	ilomata	PROPN
ijtc-1512	17	52	international	international	ADJ
ijtc-1512	17	53	journal	journal	NOUN
ijtc-1512	17	54	of	of	ADP
ijtc-1512	17	55	tax	tax	PROPN
ijtc-1512	17	56	&	&	CCONJ
ijtc-1512	17	57	accounting	accounting	PROPN
ijtc-1512	17	58	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	17	59	safeguard	safeguard	PROPN
ijtc-1512	17	60	public	public	ADJ
ijtc-1512	17	61	health	health	NOUN
ijtc-1512	17	62	.	.	PUNCT
ijtc-1512	18	1	in	in	ADP
ijtc-1512	18	2	response	response	NOUN
ijtc-1512	18	3	to	to	ADP
ijtc-1512	18	4	the	the	DET
ijtc-1512	18	5	constraints	constraint	NOUN
ijtc-1512	18	6	imposed	impose	VERB
ijtc-1512	18	7	by	by	ADP
ijtc-1512	18	8	the	the	DET
ijtc-1512	18	9	covid-19	covid-19	PROPN
ijtc-1512	18	10	pandemic	pandemic	ADJ
ijtc-1512	18	11	,	,	PUNCT
ijtc-1512	18	12	financial	financial	ADJ
ijtc-1512	18	13	institutions	institution	NOUN
ijtc-1512	18	14	sanctioned	sanction	VERB
ijtc-1512	18	15	the	the	DET
ijtc-1512	18	16	utilization	utilization	NOUN
ijtc-1512	18	17	of	of	ADP
ijtc-1512	18	18	alternative	alternative	ADJ
ijtc-1512	18	19	banking	banking	NOUN
ijtc-1512	18	20	channels	channel	NOUN
ijtc-1512	18	21	such	such	ADJ
ijtc-1512	18	22	as	as	ADP
ijtc-1512	18	23	automatic	automatic	ADJ
ijtc-1512	18	24	teller	teller	NOUN
ijtc-1512	18	25	machines	machine	NOUN
ijtc-1512	18	26	(	(	PUNCT
ijtc-1512	18	27	atms	atms	NOUN
ijtc-1512	18	28	)	)	PUNCT
ijtc-1512	18	29	and	and	CCONJ
ijtc-1512	18	30	electronic	electronic	ADJ
ijtc-1512	18	31	funds	fund	NOUN
ijtc-1512	18	32	transfers	transfer	NOUN
ijtc-1512	18	33	(	(	PUNCT
ijtc-1512	18	34	efts	eft	NOUN
ijtc-1512	18	35	)	)	PUNCT
ijtc-1512	18	36	to	to	PART
ijtc-1512	18	37	facilitate	facilitate	VERB
ijtc-1512	18	38	ongoing	ongoing	ADJ
ijtc-1512	18	39	banking	banking	NOUN
ijtc-1512	18	40	operations	operation	NOUN
ijtc-1512	18	41	.	.	PUNCT
ijtc-1512	19	1	however	however	ADV
ijtc-1512	19	2	,	,	PUNCT
ijtc-1512	19	3	notwithstanding	notwithstanding	ADP
ijtc-1512	19	4	these	these	DET
ijtc-1512	19	5	provisions	provision	NOUN
ijtc-1512	19	6	,	,	PUNCT
ijtc-1512	19	7	segments	segment	NOUN
ijtc-1512	19	8	of	of	ADP
ijtc-1512	19	9	the	the	DET
ijtc-1512	19	10	population	population	NOUN
ijtc-1512	19	11	,	,	PUNCT
ijtc-1512	19	12	particularly	particularly	ADV
ijtc-1512	19	13	the	the	DET
ijtc-1512	19	14	elderly	elderly	ADJ
ijtc-1512	19	15	and	and	CCONJ
ijtc-1512	19	16	individuals	individual	NOUN
ijtc-1512	19	17	with	with	ADP
ijtc-1512	19	18	low	low	ADJ
ijtc-1512	19	19	socio	socio	NOUN
ijtc-1512	19	20	-	-	PUNCT
ijtc-1512	19	21	economic	economic	ADJ
ijtc-1512	19	22	status	status	NOUN
ijtc-1512	19	23	,	,	PUNCT
ijtc-1512	19	24	encountered	encounter	VERB
ijtc-1512	19	25	challenges	challenge	NOUN
ijtc-1512	19	26	in	in	ADP
ijtc-1512	19	27	availing	avail	VERB
ijtc-1512	19	28	themselves	themselves	PRON
ijtc-1512	19	29	of	of	ADP
ijtc-1512	19	30	digital	digital	ADJ
ijtc-1512	19	31	banking	banking	NOUN
ijtc-1512	19	32	options	option	NOUN
ijtc-1512	19	33	due	due	ADP
ijtc-1512	19	34	to	to	ADP
ijtc-1512	19	35	deficiencies	deficiency	NOUN
ijtc-1512	19	36	in	in	ADP
ijtc-1512	19	37	digital	digital	ADJ
ijtc-1512	19	38	literacy	literacy	NOUN
ijtc-1512	19	39	and	and	CCONJ
ijtc-1512	19	40	limited	limited	ADJ
ijtc-1512	19	41	access	access	NOUN
ijtc-1512	19	42	to	to	ADP
ijtc-1512	19	43	digital	digital	ADJ
ijtc-1512	19	44	devices	device	NOUN
ijtc-1512	19	45	.	.	PUNCT
ijtc-1512	20	1	consequently	consequently	ADV
ijtc-1512	20	2	,	,	PUNCT
ijtc-1512	20	3	reliance	reliance	NOUN
ijtc-1512	20	4	on	on	ADP
ijtc-1512	20	5	traditional	traditional	ADJ
ijtc-1512	20	6	cheque	cheque	NOUN
ijtc-1512	20	7	-	-	PUNCT
ijtc-1512	20	8	based	base	VERB
ijtc-1512	20	9	transactions	transaction	NOUN
ijtc-1512	20	10	persisted	persist	VERB
ijtc-1512	20	11	among	among	ADP
ijtc-1512	20	12	these	these	DET
ijtc-1512	20	13	demographics	demographic	NOUN
ijtc-1512	20	14	.	.	PUNCT
ijtc-1512	21	1	this	this	DET
ijtc-1512	21	2	scenario	scenario	NOUN
ijtc-1512	21	3	unfolded	unfold	VERB
ijtc-1512	21	4	amidst	amidst	ADP
ijtc-1512	21	5	the	the	DET
ijtc-1512	21	6	backdrop	backdrop	NOUN
ijtc-1512	21	7	of	of	ADP
ijtc-1512	21	8	the	the	DET
ijtc-1512	21	9	south	south	ADJ
ijtc-1512	21	10	african	african	PROPN
ijtc-1512	21	11	reserve	reserve	PROPN
ijtc-1512	21	12	bank	bank	PROPN
ijtc-1512	21	13	's	's	PART
ijtc-1512	21	14	deliberations	deliberation	NOUN
ijtc-1512	21	15	on	on	ADP
ijtc-1512	21	16	the	the	DET
ijtc-1512	21	17	phased	phase	VERB
ijtc-1512	21	18	discontinuation	discontinuation	NOUN
ijtc-1512	21	19	of	of	ADP
ijtc-1512	21	20	cheques	cheque	NOUN
ijtc-1512	21	21	,	,	PUNCT
ijtc-1512	21	22	a	a	DET
ijtc-1512	21	23	policy	policy	NOUN
ijtc-1512	21	24	initiative	initiative	NOUN
ijtc-1512	21	25	propelled	propel	VERB
ijtc-1512	21	26	by	by	ADP
ijtc-1512	21	27	multifarious	multifarious	ADJ
ijtc-1512	21	28	considerations	consideration	NOUN
ijtc-1512	21	29	(	(	PUNCT
ijtc-1512	21	30	james	jame	NOUN
ijtc-1512	21	31	,	,	PUNCT
ijtc-1512	21	32	2021	2021	NUM
ijtc-1512	21	33	;	;	PUNCT
ijtc-1512	21	34	matli	matli	NOUN
ijtc-1512	21	35	&	&	CCONJ
ijtc-1512	21	36	ngoepe,2020	ngoepe,2020	PROPN
ijtc-1512	21	37	;	;	PUNCT
ijtc-1512	21	38	pazarbasioglu	pazarbasioglu	PROPN
ijtc-1512	21	39	et	et	PROPN
ijtc-1512	21	40	al	al	PROPN
ijtc-1512	21	41	.	.	PROPN
ijtc-1512	21	42	,2020	,2020	PROPN
ijtc-1512	21	43	)	)	PUNCT
ijtc-1512	21	44	.	.	PUNCT
ijtc-1512	22	1	at	at	ADP
ijtc-1512	22	2	this	this	DET
ijtc-1512	22	3	point	point	NOUN
ijtc-1512	22	4	in	in	ADP
ijtc-1512	22	5	time	time	NOUN
ijtc-1512	22	6	,	,	PUNCT
ijtc-1512	22	7	a	a	DET
ijtc-1512	22	8	study	study	NOUN
ijtc-1512	22	9	of	of	ADP
ijtc-1512	22	10	its	its	PRON
ijtc-1512	22	11	nature	nature	NOUN
ijtc-1512	22	12	has	have	AUX
ijtc-1512	22	13	not	not	PART
ijtc-1512	22	14	been	be	AUX
ijtc-1512	22	15	conducted	conduct	VERB
ijtc-1512	22	16	that	that	PRON
ijtc-1512	22	17	seeks	seek	VERB
ijtc-1512	22	18	to	to	PART
ijtc-1512	22	19	review	review	VERB
ijtc-1512	22	20	and	and	CCONJ
ijtc-1512	22	21	provide	provide	VERB
ijtc-1512	22	22	reflection	reflection	NOUN
ijtc-1512	22	23	and	and	CCONJ
ijtc-1512	22	24	illuminations	illumination	NOUN
ijtc-1512	22	25	on	on	ADP
ijtc-1512	22	26	how	how	SCONJ
ijtc-1512	22	27	the	the	DET
ijtc-1512	22	28	discontinuation	discontinuation	NOUN
ijtc-1512	22	29	of	of	ADP
ijtc-1512	22	30	cheques	cheque	NOUN
ijtc-1512	22	31	has	have	AUX
ijtc-1512	22	32	been	be	AUX
ijtc-1512	22	33	managed	manage	VERB
ijtc-1512	22	34	by	by	ADP
ijtc-1512	22	35	countries	country	NOUN
ijtc-1512	22	36	around	around	ADP
ijtc-1512	22	37	the	the	DET
ijtc-1512	22	38	world	world	NOUN
ijtc-1512	22	39	.	.	PUNCT
ijtc-1512	23	1	cheques	cheque	NOUN
ijtc-1512	23	2	used	use	VERB
ijtc-1512	23	3	to	to	PART
ijtc-1512	23	4	be	be	AUX
ijtc-1512	23	5	widely	widely	ADV
ijtc-1512	23	6	utilized	utilize	VERB
ijtc-1512	23	7	as	as	ADP
ijtc-1512	23	8	a	a	DET
ijtc-1512	23	9	payment	payment	NOUN
ijtc-1512	23	10	option	option	NOUN
ijtc-1512	23	11	in	in	ADP
ijtc-1512	23	12	south	south	PROPN
ijtc-1512	23	13	africa	africa	PROPN
ijtc-1512	23	14	.	.	PUNCT
ijtc-1512	24	1	over	over	ADP
ijtc-1512	24	2	the	the	DET
ijtc-1512	24	3	past	past	ADJ
ijtc-1512	24	4	few	few	ADJ
ijtc-1512	24	5	years	year	NOUN
ijtc-1512	24	6	,	,	PUNCT
ijtc-1512	24	7	rapid	rapid	ADJ
ijtc-1512	24	8	government	government	NOUN
ijtc-1512	24	9	,	,	PUNCT
ijtc-1512	24	10	regulatory	regulatory	ADJ
ijtc-1512	24	11	,	,	PUNCT
ijtc-1512	24	12	and	and	CCONJ
ijtc-1512	24	13	marketplace	marketplace	NOUN
ijtc-1512	24	14	developments	development	NOUN
ijtc-1512	24	15	have	have	AUX
ijtc-1512	24	16	laid	lay	VERB
ijtc-1512	24	17	the	the	DET
ijtc-1512	24	18	groundwork	groundwork	NOUN
ijtc-1512	24	19	for	for	ADP
ijtc-1512	24	20	the	the	DET
ijtc-1512	24	21	phasing	phasing	NOUN
ijtc-1512	24	22	out	out	ADP
ijtc-1512	24	23	of	of	ADP
ijtc-1512	24	24	cheques	cheque	NOUN
ijtc-1512	24	25	.	.	PUNCT
ijtc-1512	25	1	south	south	PROPN
ijtc-1512	25	2	africa	africa	PROPN
ijtc-1512	25	3	transitioned	transition	VERB
ijtc-1512	25	4	from	from	ADP
ijtc-1512	25	5	using	use	VERB
ijtc-1512	25	6	cheques	cheque	NOUN
ijtc-1512	25	7	as	as	ADP
ijtc-1512	25	8	a	a	DET
ijtc-1512	25	9	primary	primary	ADJ
ijtc-1512	25	10	mode	mode	NOUN
ijtc-1512	25	11	of	of	ADP
ijtc-1512	25	12	payment	payment	NOUN
ijtc-1512	25	13	to	to	ADP
ijtc-1512	25	14	using	use	VERB
ijtc-1512	25	15	modern	modern	ADJ
ijtc-1512	25	16	,	,	PUNCT
ijtc-1512	25	17	digital	digital	ADJ
ijtc-1512	25	18	payments	payment	NOUN
ijtc-1512	25	19	.	.	PUNCT
ijtc-1512	26	1	the	the	DET
ijtc-1512	26	2	phasing	phasing	NOUN
ijtc-1512	26	3	out	out	ADP
ijtc-1512	26	4	of	of	ADP
ijtc-1512	26	5	cheques	cheque	NOUN
ijtc-1512	26	6	will	will	AUX
ijtc-1512	26	7	bring	bring	VERB
ijtc-1512	26	8	relevant	relevant	ADJ
ijtc-1512	26	9	implications	implication	NOUN
ijtc-1512	26	10	to	to	ADP
ijtc-1512	26	11	financial	financial	ADJ
ijtc-1512	26	12	institutions	institution	NOUN
ijtc-1512	26	13	,	,	PUNCT
ijtc-1512	26	14	businesses	business	NOUN
ijtc-1512	26	15	,	,	PUNCT
ijtc-1512	26	16	and	and	CCONJ
ijtc-1512	26	17	consumers	consumer	NOUN
ijtc-1512	26	18	.	.	PUNCT
ijtc-1512	27	1	the	the	DET
ijtc-1512	27	2	study	study	NOUN
ijtc-1512	27	3	aims	aim	VERB
ijtc-1512	27	4	to	to	PART
ijtc-1512	27	5	contribute	contribute	VERB
ijtc-1512	27	6	by	by	ADP
ijtc-1512	27	7	bringing	bring	VERB
ijtc-1512	27	8	to	to	PART
ijtc-1512	27	9	light	light	VERB
ijtc-1512	27	10	the	the	DET
ijtc-1512	27	11	management	management	NOUN
ijtc-1512	27	12	aspects	aspect	NOUN
ijtc-1512	27	13	that	that	SCONJ
ijtc-1512	27	14	countries	country	NOUN
ijtc-1512	27	15	would	would	AUX
ijtc-1512	27	16	have	have	AUX
ijtc-1512	27	17	focused	focus	VERB
ijtc-1512	27	18	on	on	ADP
ijtc-1512	27	19	during	during	ADP
ijtc-1512	27	20	the	the	DET
ijtc-1512	27	21	discontinuation	discontinuation	NOUN
ijtc-1512	27	22	process	process	NOUN
ijtc-1512	27	23	to	to	PART
ijtc-1512	27	24	gradually	gradually	ADV
ijtc-1512	27	25	phase	phase	VERB
ijtc-1512	27	26	out	out	ADP
ijtc-1512	27	27	cheque	cheque	NOUN
ijtc-1512	27	28	services	service	NOUN
ijtc-1512	27	29	.	.	PUNCT
ijtc-1512	28	1	the	the	DET
ijtc-1512	28	2	study	study	NOUN
ijtc-1512	28	3	will	will	AUX
ijtc-1512	28	4	also	also	ADV
ijtc-1512	28	5	make	make	VERB
ijtc-1512	28	6	assessment	assessment	NOUN
ijtc-1512	28	7	checks	check	NOUN
ijtc-1512	28	8	against	against	ADP
ijtc-1512	28	9	both	both	CCONJ
ijtc-1512	28	10	the	the	DET
ijtc-1512	28	11	south	south	ADJ
ijtc-1512	28	12	african	african	PROPN
ijtc-1512	28	13	reserve	reserve	PROPN
ijtc-1512	28	14	bank	bank	PROPN
ijtc-1512	28	15	’s	’s	PART
ijtc-1512	28	16	(	(	PUNCT
ijtc-1512	28	17	sarb	sarb	PROPN
ijtc-1512	28	18	's	's	PART
ijtc-1512	28	19	)	)	PUNCT
ijtc-1512	28	20	objective	objective	ADJ
ijtc-1512	28	21	rationale	rationale	NOUN
ijtc-1512	28	22	of	of	ADP
ijtc-1512	28	23	phasing	phase	VERB
ijtc-1512	28	24	out	out	ADP
ijtc-1512	28	25	cheques	cheque	NOUN
ijtc-1512	28	26	during	during	ADP
ijtc-1512	28	27	the	the	DET
ijtc-1512	28	28	proposed	propose	VERB
ijtc-1512	28	29	timeframe	timeframe	NOUN
ijtc-1512	28	30	as	as	ADV
ijtc-1512	28	31	well	well	ADV
ijtc-1512	28	32	as	as	ADP
ijtc-1512	28	33	the	the	DET
ijtc-1512	28	34	stakeholders	stakeholder	NOUN
ijtc-1512	28	35	'	'	PART
ijtc-1512	28	36	responses	response	NOUN
ijtc-1512	28	37	either	either	CCONJ
ijtc-1512	28	38	through	through	ADP
ijtc-1512	28	39	submissions	submission	NOUN
ijtc-1512	28	40	during	during	ADP
ijtc-1512	28	41	the	the	DET
ijtc-1512	28	42	review	review	NOUN
ijtc-1512	28	43	period	period	NOUN
ijtc-1512	28	44	or	or	CCONJ
ijtc-1512	28	45	consultations	consultation	NOUN
ijtc-1512	28	46	between	between	ADP
ijtc-1512	28	47	2018	2018	NUM
ijtc-1512	28	48	-	-	SYM
ijtc-1512	28	49	2019	2019	NUM
ijtc-1512	28	50	.	.	PUNCT
ijtc-1512	29	1	furthermore	furthermore	ADV
ijtc-1512	29	2	,	,	PUNCT
ijtc-1512	29	3	consultative	consultative	ADJ
ijtc-1512	29	4	engagements	engagement	NOUN
ijtc-1512	29	5	have	have	AUX
ijtc-1512	29	6	occurred	occur	VERB
ijtc-1512	29	7	within	within	ADP
ijtc-1512	29	8	industry	industry	NOUN
ijtc-1512	29	9	forums	forum	NOUN
ijtc-1512	29	10	,	,	PUNCT
ijtc-1512	29	11	and	and	CCONJ
ijtc-1512	29	12	inclusive	inclusive	ADJ
ijtc-1512	29	13	of	of	ADP
ijtc-1512	29	14	sarb	sarb	PROPN
ijtc-1512	29	15	's	's	PART
ijtc-1512	29	16	other	other	ADJ
ijtc-1512	29	17	role	role	NOUN
ijtc-1512	29	18	players	player	NOUN
ijtc-1512	29	19	.	.	PUNCT
ijtc-1512	30	1	(	(	PUNCT
ijtc-1512	30	2	coffin	coffin	NOUN
ijtc-1512	30	3	et	et	NOUN
ijtc-1512	30	4	al	al	PROPN
ijtc-1512	30	5	.	.	PROPN
ijtc-1512	30	6	,	,	PUNCT
ijtc-1512	30	7	2020	2020	NUM
ijtc-1512	30	8	;	;	PUNCT
ijtc-1512	30	9	isniah	isniah	NOUN
ijtc-1512	30	10	et	et	PROPN
ijtc-1512	30	11	al	al	PROPN
ijtc-1512	30	12	.	.	PROPN
ijtc-1512	30	13	,	,	PUNCT
ijtc-1512	30	14	2020	2020	NUM
ijtc-1512	30	15	;	;	PUNCT
ijtc-1512	30	16	frederiksen	frederiksen	NOUN
ijtc-1512	30	17	et	et	PROPN
ijtc-1512	30	18	al	al	PROPN
ijtc-1512	30	19	.	.	PROPN
ijtc-1512	30	20	,	,	PUNCT
ijtc-1512	30	21	2020	2020	NUM
ijtc-1512	30	22	)	)	PUNCT
ijtc-1512	30	23	.	.	PUNCT
ijtc-1512	31	1	the	the	DET
ijtc-1512	31	2	financial	financial	ADJ
ijtc-1512	31	3	sector	sector	NOUN
ijtc-1512	31	4	conduct	conduct	NOUN
ijtc-1512	31	5	authority	authority	NOUN
ijtc-1512	31	6	(	(	PUNCT
ijtc-1512	31	7	fsca	fsca	NOUN
ijtc-1512	31	8	)	)	PUNCT
ijtc-1512	31	9	,	,	PUNCT
ijtc-1512	31	10	south	south	PROPN
ijtc-1512	31	11	african	african	PROPN
ijtc-1512	31	12	reserve	reserve	PROPN
ijtc-1512	31	13	bank	bank	PROPN
ijtc-1512	31	14	(	(	PUNCT
ijtc-1512	31	15	sarb	sarb	PROPN
ijtc-1512	31	16	)	)	PUNCT
ijtc-1512	31	17	,	,	PUNCT
ijtc-1512	31	18	banking	banking	NOUN
ijtc-1512	31	19	association	association	PROPN
ijtc-1512	31	20	south	south	PROPN
ijtc-1512	31	21	africa	africa	PROPN
ijtc-1512	31	22	(	(	PUNCT
ijtc-1512	31	23	basa	basa	PROPN
ijtc-1512	31	24	)	)	PUNCT
ijtc-1512	31	25	and	and	CCONJ
ijtc-1512	31	26	the	the	DET
ijtc-1512	31	27	payments	payment	NOUN
ijtc-1512	31	28	association	association	NOUN
ijtc-1512	31	29	of	of	ADP
ijtc-1512	31	30	south	south	PROPN
ijtc-1512	31	31	africa	africa	PROPN
ijtc-1512	31	32	(	(	PUNCT
ijtc-1512	31	33	pasa	pasa	PROPN
ijtc-1512	31	34	)	)	PUNCT
ijtc-1512	31	35	issued	issue	VERB
ijtc-1512	31	36	a	a	DET
ijtc-1512	31	37	mutual	mutual	ADJ
ijtc-1512	31	38	public	public	ADJ
ijtc-1512	31	39	statement	statement	NOUN
ijtc-1512	31	40	that	that	SCONJ
ijtc-1512	31	41	the	the	DET
ijtc-1512	31	42	use	use	NOUN
ijtc-1512	31	43	of	of	ADP
ijtc-1512	31	44	cheques	cheque	NOUN
ijtc-1512	31	45	as	as	ADP
ijtc-1512	31	46	a	a	DET
ijtc-1512	31	47	method	method	NOUN
ijtc-1512	31	48	of	of	ADP
ijtc-1512	31	49	disbursement	disbursement	NOUN
ijtc-1512	31	50	or	or	CCONJ
ijtc-1512	31	51	compensation	compensation	NOUN
ijtc-1512	31	52	will	will	AUX
ijtc-1512	31	53	no	no	ADV
ijtc-1512	31	54	longer	long	ADV
ijtc-1512	31	55	be	be	AUX
ijtc-1512	31	56	accepted	accept	VERB
ijtc-1512	31	57	,	,	PUNCT
ijtc-1512	31	58	commencing	commence	VERB
ijtc-1512	31	59	on	on	ADP
ijtc-1512	31	60	the	the	DET
ijtc-1512	31	61	31st	31st	NOUN
ijtc-1512	31	62	of	of	ADP
ijtc-1512	31	63	december	december	PROPN
ijtc-1512	31	64	2020	2020	NUM
ijtc-1512	31	65	(	(	PUNCT
ijtc-1512	31	66	sarb	sarb	NOUN
ijtc-1512	31	67	,	,	PUNCT
ijtc-1512	31	68	2020	2020	NUM
ijtc-1512	31	69	)	)	PUNCT
ijtc-1512	31	70	.	.	PUNCT
ijtc-1512	32	1	the	the	DET
ijtc-1512	32	2	south	south	PROPN
ijtc-1512	32	3	african	african	PROPN
ijtc-1512	32	4	reserve	reserve	PROPN
ijtc-1512	32	5	bank	bank	PROPN
ijtc-1512	32	6	(	(	PUNCT
ijtc-1512	32	7	sarb	sarb	PROPN
ijtc-1512	32	8	)	)	PUNCT
ijtc-1512	32	9	announced	announce	VERB
ijtc-1512	32	10	in	in	ADP
ijtc-1512	32	11	june	june	PROPN
ijtc-1512	32	12	2020	2020	NUM
ijtc-1512	32	13	that	that	SCONJ
ijtc-1512	32	14	the	the	DET
ijtc-1512	32	15	country	country	NOUN
ijtc-1512	32	16	would	would	AUX
ijtc-1512	32	17	start	start	VERB
ijtc-1512	32	18	taking	take	VERB
ijtc-1512	32	19	steps	step	NOUN
ijtc-1512	32	20	to	to	PART
ijtc-1512	32	21	discontinue	discontinue	VERB
ijtc-1512	32	22	cheque	cheque	NOUN
ijtc-1512	32	23	services	service	NOUN
ijtc-1512	32	24	.	.	PUNCT
ijtc-1512	33	1	while	while	SCONJ
ijtc-1512	33	2	some	some	PRON
ijtc-1512	33	3	have	have	AUX
ijtc-1512	33	4	been	be	AUX
ijtc-1512	33	5	able	able	ADJ
ijtc-1512	33	6	to	to	PART
ijtc-1512	33	7	fully	fully	ADV
ijtc-1512	33	8	function	function	VERB
ijtc-1512	33	9	without	without	ADP
ijtc-1512	33	10	cheques	cheque	NOUN
ijtc-1512	33	11	,	,	PUNCT
ijtc-1512	33	12	others	other	NOUN
ijtc-1512	33	13	still	still	ADV
ijtc-1512	33	14	rely	rely	VERB
ijtc-1512	33	15	on	on	ADP
ijtc-1512	33	16	it	it	PRON
ijtc-1512	33	17	based	base	VERB
ijtc-1512	33	18	on	on	ADP
ijtc-1512	33	19	the	the	DET
ijtc-1512	33	20	current	current	ADJ
ijtc-1512	33	21	cheque	cheque	NOUN
ijtc-1512	33	22	clearing	clearing	NOUN
ijtc-1512	33	23	and	and	CCONJ
ijtc-1512	33	24	payment	payment	NOUN
ijtc-1512	33	25	process	process	NOUN
ijtc-1512	33	26	.	.	PUNCT
ijtc-1512	34	1	these	these	DET
ijtc-1512	34	2	groups	group	NOUN
ijtc-1512	34	3	include	include	VERB
ijtc-1512	34	4	beneficiaries	beneficiary	NOUN
ijtc-1512	34	5	,	,	PUNCT
ijtc-1512	34	6	such	such	ADJ
ijtc-1512	34	7	as	as	ADP
ijtc-1512	34	8	the	the	DET
ijtc-1512	34	9	elderly	elderly	ADJ
ijtc-1512	34	10	,	,	PUNCT
ijtc-1512	34	11	businesses	business	NOUN
ijtc-1512	34	12	,	,	PUNCT
ijtc-1512	34	13	and	and	CCONJ
ijtc-1512	34	14	government	government	NOUN
ijtc-1512	34	15	organizations	organization	NOUN
ijtc-1512	34	16	.	.	PUNCT
ijtc-1512	35	1	there	there	PRON
ijtc-1512	35	2	remain	remain	VERB
ijtc-1512	35	3	risks	risk	NOUN
ijtc-1512	35	4	and	and	CCONJ
ijtc-1512	35	5	challenges	challenge	NOUN
ijtc-1512	35	6	as	as	ADP
ijtc-1512	35	7	the	the	DET
ijtc-1512	35	8	financial	financial	ADJ
ijtc-1512	35	9	and	and	CCONJ
ijtc-1512	35	10	banking	banking	NOUN
ijtc-1512	35	11	industry	industry	NOUN
ijtc-1512	35	12	,	,	PUNCT
ijtc-1512	35	13	in	in	ADP
ijtc-1512	35	14	collaboration	collaboration	NOUN
ijtc-1512	35	15	with	with	ADP
ijtc-1512	35	16	the	the	DET
ijtc-1512	35	17	government	government	NOUN
ijtc-1512	35	18	,	,	PUNCT
ijtc-1512	35	19	work	work	VERB
ijtc-1512	35	20	to	to	PART
ijtc-1512	35	21	implement	implement	VERB
ijtc-1512	35	22	alternative	alternative	ADJ
ijtc-1512	35	23	solutions	solution	NOUN
ijtc-1512	35	24	,	,	PUNCT
ijtc-1512	35	25	ensuring	ensure	VERB
ijtc-1512	35	26	that	that	SCONJ
ijtc-1512	35	27	nobody	nobody	PRON
ijtc-1512	35	28	is	be	AUX
ijtc-1512	35	29	left	leave	VERB
ijtc-1512	35	30	behind	behind	ADV
ijtc-1512	35	31	.	.	PUNCT
ijtc-1512	36	1	(	(	PUNCT
ijtc-1512	36	2	urban	urban	PROPN
ijtc-1512	36	3	&	&	CCONJ
ijtc-1512	36	4	townsend	townsend	PROPN
ijtc-1512	36	5	,	,	PUNCT
ijtc-1512	36	6	2021	2021	NUM
ijtc-1512	36	7	;	;	PUNCT
ijtc-1512	36	8	khambule	khambule	NOUN
ijtc-1512	36	9	,	,	PUNCT
ijtc-1512	36	10	2021	2021	NUM
ijtc-1512	36	11	;	;	PUNCT
ijtc-1512	36	12	gronbach	gronbach	NOUN
ijtc-1512	36	13	et	et	PROPN
ijtc-1512	36	14	al	al	PROPN
ijtc-1512	36	15	.	.	PROPN
ijtc-1512	36	16	,	,	PUNCT
ijtc-1512	36	17	2022	2022	NUM
ijtc-1512	36	18	;	;	PUNCT
ijtc-1512	36	19	webb	webb	PROPN
ijtc-1512	36	20	&	&	CCONJ
ijtc-1512	36	21	vanqa	vanqa	PROPN
ijtc-1512	36	22	mgijima	mgijima	PROPN
ijtc-1512	36	23	,	,	PUNCT
ijtc-1512	36	24	2024	2024	NUM
ijtc-1512	36	25	;	;	PUNCT
ijtc-1512	36	26	simatele	simatele	PROPN
ijtc-1512	36	27	&	&	CCONJ
ijtc-1512	36	28	maciko	maciko	PROPN
ijtc-1512	36	29	,	,	PUNCT
ijtc-1512	36	30	2022	2022	NUM
ijtc-1512	36	31	;	;	PUNCT
ijtc-1512	36	32	ntimane	ntimane	NOUN
ijtc-1512	36	33	,	,	PUNCT
ijtc-1512	36	34	2020	2020	NUM
ijtc-1512	36	35	;	;	PUNCT
ijtc-1512	36	36	bisong	bisong	PROPN
ijtc-1512	36	37	et	et	PROPN
ijtc-1512	36	38	al	al	PROPN
ijtc-1512	36	39	.	.	PROPN
ijtc-1512	36	40	,	,	PUNCT
ijtc-1512	36	41	2020	2020	NUM
ijtc-1512	36	42	;	;	PUNCT
ijtc-1512	36	43	gelb	gelb	PROPN
ijtc-1512	36	44	&	&	CCONJ
ijtc-1512	36	45	mukherjee	mukherjee	PROPN
ijtc-1512	36	46	,	,	PUNCT
ijtc-1512	36	47	2020	2020	NUM
ijtc-1512	36	48	;	;	PUNCT
ijtc-1512	36	49	loewald	loewald	NOUN
ijtc-1512	36	50	et	et	PROPN
ijtc-1512	36	51	al	al	PROPN
ijtc-1512	36	52	.	.	PROPN
ijtc-1512	36	53	,	,	PUNCT
ijtc-1512	36	54	2022	2022	NUM
ijtc-1512	36	55	;	;	PUNCT
ijtc-1512	36	56	ndikumana	ndikumana	PROPN
ijtc-1512	36	57	et	et	PROPN
ijtc-1512	36	58	al	al	PROPN
ijtc-1512	36	59	.	.	PROPN
ijtc-1512	36	60	,	,	PUNCT
ijtc-1512	36	61	2020	2020	NUM
ijtc-1512	36	62	)	)	PUNCT
ijtc-1512	36	63	.	.	PUNCT
ijtc-1512	37	1	the	the	DET
ijtc-1512	37	2	review	review	NOUN
ijtc-1512	37	3	sought	seek	VERB
ijtc-1512	37	4	to	to	PART
ijtc-1512	37	5	answer	answer	VERB
ijtc-1512	37	6	three	three	NUM
ijtc-1512	37	7	questions	question	NOUN
ijtc-1512	37	8	:	:	PUNCT
ijtc-1512	37	9	first	first	ADV
ijtc-1512	37	10	,	,	PUNCT
ijtc-1512	37	11	the	the	DET
ijtc-1512	37	12	extent	extent	NOUN
ijtc-1512	37	13	of	of	ADP
ijtc-1512	37	14	usage	usage	NOUN
ijtc-1512	37	15	of	of	ADP
ijtc-1512	37	16	cheques	cheque	NOUN
ijtc-1512	37	17	in	in	ADP
ijtc-1512	37	18	south	south	PROPN
ijtc-1512	37	19	africa	africa	PROPN
ijtc-1512	37	20	(	(	PUNCT
ijtc-1512	37	21	or	or	CCONJ
ijtc-1512	37	22	its	its	PRON
ijtc-1512	37	23	relative	relative	ADJ
ijtc-1512	37	24	importance	importance	NOUN
ijtc-1512	37	25	)	)	PUNCT
ijtc-1512	37	26	.	.	PUNCT
ijtc-1512	38	1	second	second	ADV
ijtc-1512	38	2	,	,	PUNCT
ijtc-1512	38	3	assess	assess	VERB
ijtc-1512	38	4	the	the	DET
ijtc-1512	38	5	impact	impact	NOUN
ijtc-1512	38	6	of	of	ADP
ijtc-1512	38	7	discontinuation	discontinuation	NOUN
ijtc-1512	38	8	of	of	ADP
ijtc-1512	38	9	cheques	cheque	NOUN
ijtc-1512	38	10	.	.	PUNCT
ijtc-1512	39	1	third	third	ADV
ijtc-1512	39	2	,	,	PUNCT
ijtc-1512	39	3	examine	examine	VERB
ijtc-1512	39	4	the	the	DET
ijtc-1512	39	5	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1512	39	6	examining	examine	VERB
ijtc-1512	39	7	the	the	DET
ijtc-1512	39	8	management	management	NOUN
ijtc-1512	39	9	impact	impact	NOUN
ijtc-1512	39	10	:	:	PUNCT
ijtc-1512	39	11	a	a	DET
ijtc-1512	39	12	literature	literature	NOUN
ijtc-1512	39	13	review	review	NOUN
ijtc-1512	39	14	on	on	ADP
ijtc-1512	39	15	the	the	DET
ijtc-1512	39	16	phasing	phasing	NOUN
ijtc-1512	39	17	out	out	ADP
ijtc-1512	39	18	of	of	ADP
ijtc-1512	39	19	cheques	cheque	NOUN
ijtc-1512	39	20	in	in	ADP
ijtc-1512	39	21	south	south	PROPN
ijtc-1512	39	22	africa	africa	PROPN
ijtc-1512	39	23	abrahams	abrahams	PROPN
ijtc-1512	39	24	and	and	CCONJ
ijtc-1512	39	25	pretorius	pretorius	NOUN
ijtc-1512	39	26	3	3	NUM
ijtc-1512	39	27	|	|	ADV
ijtc-1512	39	28	ilomata	ilomata	PROPN
ijtc-1512	39	29	international	international	ADJ
ijtc-1512	39	30	journal	journal	NOUN
ijtc-1512	39	31	of	of	ADP
ijtc-1512	39	32	tax	tax	PROPN
ijtc-1512	39	33	&	&	CCONJ
ijtc-1512	39	34	accounting	account	VERB
ijtc-1512	39	35	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1512	39	36	implications	implication	NOUN
ijtc-1512	39	37	of	of	ADP
ijtc-1512	39	38	the	the	DET
ijtc-1512	39	39	discontinuation	discontinuation	NOUN
ijtc-1512	39	40	of	of	ADP
ijtc-1512	39	41	cheques	cheque	NOUN
ijtc-1512	39	42	.	.	PUNCT
ijtc-1512	40	1	introducing	introduce	VERB
ijtc-1512	40	2	less	less	ADV
ijtc-1512	40	3	risky	risky	ADJ
ijtc-1512	40	4	payment	payment	NOUN
ijtc-1512	40	5	instruments	instrument	NOUN
ijtc-1512	40	6	,	,	PUNCT
ijtc-1512	40	7	especially	especially	ADV
ijtc-1512	40	8	for	for	ADP
ijtc-1512	40	9	making	make	VERB
ijtc-1512	40	10	cash	cash	NOUN
ijtc-1512	40	11	-	-	PUNCT
ijtc-1512	40	12	like	like	ADJ
ijtc-1512	40	13	payments	payment	NOUN
ijtc-1512	40	14	(	(	PUNCT
ijtc-1512	40	15	customers	customer	NOUN
ijtc-1512	40	16	and	and	CCONJ
ijtc-1512	40	17	merchant	merchant	NOUN
ijtc-1512	40	18	payments	payment	NOUN
ijtc-1512	40	19	)	)	PUNCT
ijtc-1512	40	20	will	will	AUX
ijtc-1512	40	21	foster	foster	VERB
ijtc-1512	40	22	the	the	DET
ijtc-1512	40	23	pursuit	pursuit	NOUN
ijtc-1512	40	24	of	of	ADP
ijtc-1512	40	25	a	a	DET
ijtc-1512	40	26	less	less	ADV
ijtc-1512	40	27	cash	cash	NOUN
ijtc-1512	40	28	society	society	NOUN
ijtc-1512	40	29	initiative	initiative	NOUN
ijtc-1512	40	30	.	.	PUNCT
ijtc-1512	41	1	reducing	reduce	VERB
ijtc-1512	41	2	fraud	fraud	NOUN
ijtc-1512	41	3	associated	associate	VERB
ijtc-1512	41	4	with	with	ADP
ijtc-1512	41	5	and	and	CCONJ
ijtc-1512	41	6	protecting	protect	VERB
ijtc-1512	41	7	both	both	CCONJ
ijtc-1512	41	8	the	the	DET
ijtc-1512	41	9	customer	customer	NOUN
ijtc-1512	41	10	and	and	CCONJ
ijtc-1512	41	11	merchant	merchant	NOUN
ijtc-1512	41	12	in	in	ADP
ijtc-1512	41	13	the	the	DET
ijtc-1512	41	14	process	process	NOUN
ijtc-1512	41	15	will	will	AUX
ijtc-1512	41	16	be	be	AUX
ijtc-1512	41	17	necessary	necessary	ADJ
ijtc-1512	41	18	.	.	PUNCT
ijtc-1512	42	1	another	another	DET
ijtc-1512	42	2	major	major	ADJ
ijtc-1512	42	3	implication	implication	NOUN
ijtc-1512	42	4	is	be	AUX
ijtc-1512	42	5	that	that	SCONJ
ijtc-1512	42	6	electronic	electronic	ADJ
ijtc-1512	42	7	payment	payment	NOUN
ijtc-1512	42	8	systems	system	NOUN
ijtc-1512	42	9	must	must	AUX
ijtc-1512	42	10	have	have	VERB
ijtc-1512	42	11	the	the	DET
ijtc-1512	42	12	same	same	ADJ
ijtc-1512	42	13	seamless	seamless	ADJ
ijtc-1512	42	14	offering	offering	NOUN
ijtc-1512	42	15	as	as	ADP
ijtc-1512	42	16	analog	analog	NOUN
ijtc-1512	42	17	instruments	instrument	NOUN
ijtc-1512	42	18	(	(	PUNCT
ijtc-1512	42	19	cheques	cheque	NOUN
ijtc-1512	42	20	)	)	PUNCT
ijtc-1512	42	21	.	.	PUNCT
ijtc-1512	43	1	this	this	DET
ijtc-1512	43	2	review	review	NOUN
ijtc-1512	43	3	has	have	AUX
ijtc-1512	43	4	elicited	elicit	VERB
ijtc-1512	43	5	valuable	valuable	ADJ
ijtc-1512	43	6	insight	insight	NOUN
ijtc-1512	43	7	into	into	ADP
ijtc-1512	43	8	fostering	foster	VERB
ijtc-1512	43	9	moderation	moderation	NOUN
ijtc-1512	43	10	of	of	ADP
ijtc-1512	43	11	payment	payment	NOUN
ijtc-1512	43	12	policy	policy	NOUN
ijtc-1512	43	13	in	in	ADP
ijtc-1512	43	14	the	the	DET
ijtc-1512	43	15	broader	broad	ADJ
ijtc-1512	43	16	quest	quest	NOUN
ijtc-1512	43	17	to	to	PART
ijtc-1512	43	18	achieve	achieve	VERB
ijtc-1512	43	19	financial	financial	ADJ
ijtc-1512	43	20	stability	stability	NOUN
ijtc-1512	43	21	.	.	PUNCT
ijtc-1512	44	1	(	(	PUNCT
ijtc-1512	44	2	foster	foster	NOUN
ijtc-1512	44	3	et	et	PROPN
ijtc-1512	44	4	al	al	PROPN
ijtc-1512	44	5	.	.	PROPN
ijtc-1512	44	6	,	,	PUNCT
ijtc-1512	44	7	2021	2021	NUM
ijtc-1512	44	8	;	;	PUNCT
ijtc-1512	44	9	gainsbury	gainsbury	PROPN
ijtc-1512	44	10	&	&	CCONJ
ijtc-1512	44	11	blaszczynski	blaszczynski	PROPN
ijtc-1512	44	12	,	,	PUNCT
ijtc-1512	44	13	2020	2020	NUM
ijtc-1512	44	14	;	;	PUNCT
ijtc-1512	44	15	pazarbasioglu	pazarbasioglu	PROPN
ijtc-1512	44	16	et	et	PROPN
ijtc-1512	44	17	al	al	PROPN
ijtc-1512	44	18	.	.	PROPN
ijtc-1512	44	19	,	,	PUNCT
ijtc-1512	44	20	2020	2020	NUM
ijtc-1512	44	21	)	)	PUNCT
ijtc-1512	44	22	.	.	PUNCT
ijtc-1512	45	1	method	method	VERB
ijtc-1512	45	2	the	the	DET
ijtc-1512	45	3	study	study	NOUN
ijtc-1512	45	4	utilized	utilize	VERB
ijtc-1512	45	5	existing	exist	VERB
ijtc-1512	45	6	data	datum	NOUN
ijtc-1512	45	7	and	and	CCONJ
ijtc-1512	45	8	case	case	NOUN
ijtc-1512	45	9	studies	study	NOUN
ijtc-1512	45	10	to	to	PART
ijtc-1512	45	11	assess	assess	VERB
ijtc-1512	45	12	the	the	DET
ijtc-1512	45	13	management	management	NOUN
ijtc-1512	45	14	impact	impact	NOUN
ijtc-1512	45	15	resulting	result	VERB
ijtc-1512	45	16	from	from	ADP
ijtc-1512	45	17	the	the	DET
ijtc-1512	45	18	discontinuation	discontinuation	NOUN
ijtc-1512	45	19	of	of	ADP
ijtc-1512	45	20	cheques	cheque	NOUN
ijtc-1512	45	21	.	.	PUNCT
ijtc-1512	46	1	a	a	DET
ijtc-1512	46	2	qualitative	qualitative	ADJ
ijtc-1512	46	3	desk	desk	NOUN
ijtc-1512	46	4	review	review	NOUN
ijtc-1512	46	5	was	be	AUX
ijtc-1512	46	6	conducted	conduct	VERB
ijtc-1512	46	7	to	to	PART
ijtc-1512	46	8	access	access	VERB
ijtc-1512	46	9	existing	exist	VERB
ijtc-1512	46	10	data	datum	NOUN
ijtc-1512	46	11	,	,	PUNCT
ijtc-1512	46	12	chosen	choose	VERB
ijtc-1512	46	13	for	for	ADP
ijtc-1512	46	14	its	its	PRON
ijtc-1512	46	15	efficiency	efficiency	NOUN
ijtc-1512	46	16	and	and	CCONJ
ijtc-1512	46	17	rapidity	rapidity	NOUN
ijtc-1512	46	18	(	(	PUNCT
ijtc-1512	46	19	clark	clark	NOUN
ijtc-1512	46	20	,	,	PUNCT
ijtc-1512	46	21	2005	2005	NUM
ijtc-1512	46	22	,	,	PUNCT
ijtc-1512	46	23	p.	p.	NOUN
ijtc-1512	46	24	2	2	NUM
ijtc-1512	46	25	)	)	PUNCT
ijtc-1512	46	26	.	.	PUNCT
ijtc-1512	47	1	to	to	PART
ijtc-1512	47	2	collect	collect	VERB
ijtc-1512	47	3	data	datum	NOUN
ijtc-1512	47	4	on	on	ADP
ijtc-1512	47	5	the	the	DET
ijtc-1512	47	6	research	research	NOUN
ijtc-1512	47	7	topic	topic	NOUN
ijtc-1512	47	8	,	,	PUNCT
ijtc-1512	47	9	relevant	relevant	ADJ
ijtc-1512	47	10	literature	literature	NOUN
ijtc-1512	47	11	such	such	ADJ
ijtc-1512	47	12	as	as	ADP
ijtc-1512	47	13	books	book	NOUN
ijtc-1512	47	14	,	,	PUNCT
ijtc-1512	47	15	journal	journal	NOUN
ijtc-1512	47	16	articles	article	NOUN
ijtc-1512	47	17	,	,	PUNCT
ijtc-1512	47	18	dissertations	dissertation	NOUN
ijtc-1512	47	19	,	,	PUNCT
ijtc-1512	47	20	and	and	CCONJ
ijtc-1512	47	21	regulatory	regulatory	ADJ
ijtc-1512	47	22	publications	publication	NOUN
ijtc-1512	47	23	will	will	AUX
ijtc-1512	47	24	be	be	AUX
ijtc-1512	47	25	reviewed	review	VERB
ijtc-1512	47	26	.	.	PUNCT
ijtc-1512	48	1	the	the	DET
ijtc-1512	48	2	study	study	NOUN
ijtc-1512	48	3	aims	aim	VERB
ijtc-1512	48	4	to	to	PART
ijtc-1512	48	5	acquire	acquire	VERB
ijtc-1512	48	6	background	background	NOUN
ijtc-1512	48	7	information	information	NOUN
ijtc-1512	48	8	concerning	concern	VERB
ijtc-1512	48	9	the	the	DET
ijtc-1512	48	10	usage	usage	NOUN
ijtc-1512	48	11	of	of	ADP
ijtc-1512	48	12	cheques	cheque	NOUN
ijtc-1512	48	13	,	,	PUNCT
ijtc-1512	48	14	the	the	DET
ijtc-1512	48	15	process	process	NOUN
ijtc-1512	48	16	of	of	ADP
ijtc-1512	48	17	discontinuing	discontinuing	NOUN
ijtc-1512	48	18	cheques	cheque	NOUN
ijtc-1512	48	19	,	,	PUNCT
ijtc-1512	48	20	and	and	CCONJ
ijtc-1512	48	21	its	its	PRON
ijtc-1512	48	22	associated	associated	ADJ
ijtc-1512	48	23	implications	implication	NOUN
ijtc-1512	48	24	.	.	PUNCT
ijtc-1512	49	1	result	result	NOUN
ijtc-1512	49	2	and	and	CCONJ
ijtc-1512	49	3	discussion	discussion	NOUN
ijtc-1512	49	4	cheques	cheque	NOUN
ijtc-1512	49	5	made	make	VERB
ijtc-1512	49	6	their	their	PRON
ijtc-1512	49	7	debut	debut	NOUN
ijtc-1512	49	8	in	in	ADP
ijtc-1512	49	9	south	south	PROPN
ijtc-1512	49	10	africa	africa	PROPN
ijtc-1512	49	11	during	during	ADP
ijtc-1512	49	12	the	the	DET
ijtc-1512	49	13	late	late	ADJ
ijtc-1512	49	14	1790s	1790	NOUN
ijtc-1512	49	15	.	.	PUNCT
ijtc-1512	50	1	approximately	approximately	ADV
ijtc-1512	50	2	three	three	NUM
ijtc-1512	50	3	decades	decade	NOUN
ijtc-1512	50	4	later	later	ADV
ijtc-1512	50	5	,	,	PUNCT
ijtc-1512	50	6	the	the	DET
ijtc-1512	50	7	emergence	emergence	NOUN
ijtc-1512	50	8	of	of	ADP
ijtc-1512	50	9	the	the	DET
ijtc-1512	50	10	second	second	ADJ
ijtc-1512	50	11	oldest	old	ADJ
ijtc-1512	50	12	bank	bank	NOUN
ijtc-1512	50	13	in	in	ADP
ijtc-1512	50	14	the	the	DET
ijtc-1512	50	15	nation	nation	NOUN
ijtc-1512	50	16	assumed	assume	VERB
ijtc-1512	50	17	a	a	DET
ijtc-1512	50	18	pivotal	pivotal	ADJ
ijtc-1512	50	19	role	role	NOUN
ijtc-1512	50	20	in	in	ADP
ijtc-1512	50	21	shaping	shape	VERB
ijtc-1512	50	22	the	the	DET
ijtc-1512	50	23	trajectory	trajectory	NOUN
ijtc-1512	50	24	of	of	ADP
ijtc-1512	50	25	cheque	cheque	NOUN
ijtc-1512	50	26	usage	usage	NOUN
ijtc-1512	50	27	within	within	ADP
ijtc-1512	50	28	the	the	DET
ijtc-1512	50	29	country	country	NOUN
ijtc-1512	50	30	.	.	PUNCT
ijtc-1512	51	1	originally	originally	ADV
ijtc-1512	51	2	conceived	conceive	VERB
ijtc-1512	51	3	as	as	ADP
ijtc-1512	51	4	a	a	DET
ijtc-1512	51	5	mechanism	mechanism	NOUN
ijtc-1512	51	6	through	through	ADP
ijtc-1512	51	7	which	which	PRON
ijtc-1512	51	8	issuing	issue	VERB
ijtc-1512	51	9	banks	bank	NOUN
ijtc-1512	51	10	provided	provide	VERB
ijtc-1512	51	11	their	their	PRON
ijtc-1512	51	12	clientele	clientele	NOUN
ijtc-1512	51	13	access	access	NOUN
ijtc-1512	51	14	to	to	ADP
ijtc-1512	51	15	securely	securely	ADV
ijtc-1512	51	16	held	hold	VERB
ijtc-1512	51	17	funds	fund	NOUN
ijtc-1512	51	18	,	,	PUNCT
ijtc-1512	51	19	the	the	DET
ijtc-1512	51	20	initial	initial	ADJ
ijtc-1512	51	21	introduction	introduction	NOUN
ijtc-1512	51	22	of	of	ADP
ijtc-1512	51	23	cheques	cheque	NOUN
ijtc-1512	51	24	lacked	lack	VERB
ijtc-1512	51	25	a	a	DET
ijtc-1512	51	26	formalized	formalize	VERB
ijtc-1512	51	27	framework	framework	NOUN
ijtc-1512	51	28	.	.	PUNCT
ijtc-1512	52	1	it	it	PRON
ijtc-1512	52	2	was	be	AUX
ijtc-1512	52	3	n't	not	PART
ijtc-1512	52	4	until	until	ADP
ijtc-1512	52	5	1921	1921	NUM
ijtc-1512	52	6	that	that	SCONJ
ijtc-1512	52	7	the	the	DET
ijtc-1512	52	8	first	first	ADJ
ijtc-1512	52	9	legislative	legislative	ADJ
ijtc-1512	52	10	enactment	enactment	NOUN
ijtc-1512	52	11	delineating	delineate	VERB
ijtc-1512	52	12	rules	rule	NOUN
ijtc-1512	52	13	and	and	CCONJ
ijtc-1512	52	14	protocols	protocol	NOUN
ijtc-1512	52	15	governing	govern	VERB
ijtc-1512	52	16	cheques	cheque	NOUN
ijtc-1512	52	17	in	in	ADP
ijtc-1512	52	18	south	south	PROPN
ijtc-1512	52	19	africa	africa	PROPN
ijtc-1512	52	20	materialized	materialize	VERB
ijtc-1512	52	21	.	.	PUNCT
ijtc-1512	53	1	this	this	DET
ijtc-1512	53	2	legislative	legislative	ADJ
ijtc-1512	53	3	measure	measure	NOUN
ijtc-1512	53	4	was	be	AUX
ijtc-1512	53	5	crafted	craft	VERB
ijtc-1512	53	6	to	to	PART
ijtc-1512	53	7	curtail	curtail	VERB
ijtc-1512	53	8	the	the	DET
ijtc-1512	53	9	practice	practice	NOUN
ijtc-1512	53	10	whereby	whereby	SCONJ
ijtc-1512	53	11	enterprises	enterprise	NOUN
ijtc-1512	53	12	disbursed	disburse	VERB
ijtc-1512	53	13	cheques	cheque	NOUN
ijtc-1512	53	14	as	as	ADP
ijtc-1512	53	15	remuneration	remuneration	NOUN
ijtc-1512	53	16	to	to	ADP
ijtc-1512	53	17	their	their	PRON
ijtc-1512	53	18	employees	employee	NOUN
ijtc-1512	53	19	,	,	PUNCT
ijtc-1512	53	20	necessitating	necessitate	VERB
ijtc-1512	53	21	subsequent	subsequent	ADJ
ijtc-1512	53	22	cashing	cashing	NOUN
ijtc-1512	53	23	at	at	ADP
ijtc-1512	53	24	banks	bank	NOUN
ijtc-1512	53	25	and	and	CCONJ
ijtc-1512	53	26	granting	grant	VERB
ijtc-1512	53	27	issuing	issue	VERB
ijtc-1512	53	28	enterprises	enterprise	NOUN
ijtc-1512	53	29	access	access	NOUN
ijtc-1512	53	30	to	to	ADP
ijtc-1512	53	31	extended	extended	ADJ
ijtc-1512	53	32	credit	credit	NOUN
ijtc-1512	53	33	.	.	PUNCT
ijtc-1512	54	1	furthermore	furthermore	ADV
ijtc-1512	54	2	,	,	PUNCT
ijtc-1512	54	3	the	the	DET
ijtc-1512	54	4	legislation	legislation	NOUN
ijtc-1512	54	5	mandated	mandate	VERB
ijtc-1512	54	6	the	the	DET
ijtc-1512	54	7	inclusion	inclusion	NOUN
ijtc-1512	54	8	of	of	ADP
ijtc-1512	54	9	an	an	DET
ijtc-1512	54	10	authorized	authorized	ADJ
ijtc-1512	54	11	signatory	signatory	NOUN
ijtc-1512	54	12	's	's	PART
ijtc-1512	54	13	signature	signature	NOUN
ijtc-1512	54	14	on	on	ADP
ijtc-1512	54	15	every	every	DET
ijtc-1512	54	16	issued	issue	VERB
ijtc-1512	54	17	cheque	cheque	NOUN
ijtc-1512	54	18	(	(	PUNCT
ijtc-1512	54	19	alvaredo	alvaredo	PROPN
ijtc-1512	54	20	&	&	CCONJ
ijtc-1512	54	21	atkinson	atkinson	PROPN
ijtc-1512	54	22	,	,	PUNCT
ijtc-1512	54	23	2022	2022	NUM
ijtc-1512	54	24	;	;	PUNCT
ijtc-1512	54	25	mabin	mabin	NOUN
ijtc-1512	54	26	,	,	PUNCT
ijtc-1512	54	27	2020	2020	NUM
ijtc-1512	54	28	;	;	PUNCT
ijtc-1512	54	29	cronin	cronin	PROPN
ijtc-1512	54	30	,	,	PUNCT
ijtc-1512	54	31	2022	2022	NUM
ijtc-1512	54	32	;	;	PUNCT
ijtc-1512	54	33	vermeulen	vermeulen	NOUN
ijtc-1512	54	34	,	,	PUNCT
ijtc-1512	54	35	2021	2021	NUM
ijtc-1512	54	36	)	)	PUNCT
ijtc-1512	54	37	.	.	PUNCT
ijtc-1512	55	1	the	the	DET
ijtc-1512	55	2	establishment	establishment	NOUN
ijtc-1512	55	3	of	of	ADP
ijtc-1512	55	4	the	the	DET
ijtc-1512	55	5	cheque	cheque	NOUN
ijtc-1512	55	6	office	office	NOUN
ijtc-1512	55	7	,	,	PUNCT
ijtc-1512	55	8	a	a	DET
ijtc-1512	55	9	clearing	clearing	NOUN
ijtc-1512	55	10	mechanism	mechanism	NOUN
ijtc-1512	55	11	,	,	PUNCT
ijtc-1512	55	12	in	in	ADP
ijtc-1512	55	13	1839	1839	NUM
ijtc-1512	55	14	marked	mark	VERB
ijtc-1512	55	15	a	a	DET
ijtc-1512	55	16	pivotal	pivotal	ADJ
ijtc-1512	55	17	development	development	NOUN
ijtc-1512	55	18	in	in	ADP
ijtc-1512	55	19	streamlining	streamline	VERB
ijtc-1512	55	20	cheque	cheque	NOUN
ijtc-1512	55	21	processing	processing	NOUN
ijtc-1512	55	22	operations	operation	NOUN
ijtc-1512	55	23	within	within	ADP
ijtc-1512	55	24	cape	cape	NOUN
ijtc-1512	55	25	town	town	NOUN
ijtc-1512	55	26	.	.	PUNCT
ijtc-1512	56	1	nevertheless	nevertheless	ADV
ijtc-1512	56	2	,	,	PUNCT
ijtc-1512	56	3	individual	individual	ADJ
ijtc-1512	56	4	banks	bank	NOUN
ijtc-1512	56	5	maintained	maintain	VERB
ijtc-1512	56	6	distinct	distinct	ADJ
ijtc-1512	56	7	procedures	procedure	NOUN
ijtc-1512	56	8	through	through	ADP
ijtc-1512	56	9	their	their	PRON
ijtc-1512	56	10	respective	respective	ADJ
ijtc-1512	56	11	payments	payment	NOUN
ijtc-1512	56	12	or	or	CCONJ
ijtc-1512	56	13	discounts	discount	NOUN
ijtc-1512	56	14	offices	office	NOUN
ijtc-1512	56	15	.	.	PUNCT
ijtc-1512	57	1	it	it	PRON
ijtc-1512	57	2	was	be	AUX
ijtc-1512	57	3	not	not	PART
ijtc-1512	57	4	until	until	ADP
ijtc-1512	57	5	1894	1894	NUM
ijtc-1512	57	6	that	that	SCONJ
ijtc-1512	57	7	all	all	DET
ijtc-1512	57	8	banks	bank	NOUN
ijtc-1512	57	9	universally	universally	ADV
ijtc-1512	57	10	adopted	adopt	VERB
ijtc-1512	57	11	a	a	DET
ijtc-1512	57	12	standardized	standardized	ADJ
ijtc-1512	57	13	british	british	ADJ
ijtc-1512	57	14	model	model	NOUN
ijtc-1512	57	15	incorporating	incorporate	VERB
ijtc-1512	57	16	wording	wording	NOUN
ijtc-1512	57	17	and	and	CCONJ
ijtc-1512	57	18	signature	signature	NOUN
ijtc-1512	57	19	strokes	stroke	NOUN
ijtc-1512	57	20	for	for	ADP
ijtc-1512	57	21	cheques	cheque	NOUN
ijtc-1512	57	22	cleared	clear	VERB
ijtc-1512	57	23	via	via	ADP
ijtc-1512	57	24	the	the	DET
ijtc-1512	57	25	cheque	cheque	NOUN
ijtc-1512	57	26	office	office	NOUN
ijtc-1512	57	27	.	.	PUNCT
ijtc-1512	58	1	this	this	DET
ijtc-1512	58	2	initiative	initiative	NOUN
ijtc-1512	58	3	heralded	herald	VERB
ijtc-1512	58	4	the	the	DET
ijtc-1512	58	5	formal	formal	ADJ
ijtc-1512	58	6	commencement	commencement	NOUN
ijtc-1512	58	7	of	of	ADP
ijtc-1512	58	8	the	the	DET
ijtc-1512	58	9	clearing	clearing	NOUN
ijtc-1512	58	10	system	system	NOUN
ijtc-1512	58	11	,	,	PUNCT
ijtc-1512	58	12	which	which	PRON
ijtc-1512	58	13	attained	attain	VERB
ijtc-1512	58	14	full	full	ADJ
ijtc-1512	58	15	institutionalization	institutionalization	NOUN
ijtc-1512	58	16	in	in	ADP
ijtc-1512	58	17	1906	1906	NUM
ijtc-1512	58	18	by	by	ADP
ijtc-1512	58	19	establishing	establish	VERB
ijtc-1512	58	20	a	a	DET
ijtc-1512	58	21	central	central	ADJ
ijtc-1512	58	22	bank	bank	NOUN
ijtc-1512	58	23	tasked	task	VERB
ijtc-1512	58	24	with	with	ADP
ijtc-1512	58	25	managing	manage	VERB
ijtc-1512	58	26	the	the	DET
ijtc-1512	58	27	accounts	account	NOUN
ijtc-1512	58	28	of	of	ADP
ijtc-1512	58	29	various	various	ADJ
ijtc-1512	58	30	group	group	NOUN
ijtc-1512	58	31	banks	bank	NOUN
ijtc-1512	58	32	.	.	PUNCT
ijtc-1512	59	1	initially	initially	ADV
ijtc-1512	59	2	comprising	comprise	VERB
ijtc-1512	59	3	11	11	NUM
ijtc-1512	59	4	member	member	NOUN
ijtc-1512	59	5	banks	bank	NOUN
ijtc-1512	59	6	alongside	alongside	ADP
ijtc-1512	59	7	jersey	jersey	PROPN
ijtc-1512	59	8	and	and	CCONJ
ijtc-1512	59	9	three	three	NUM
ijtc-1512	59	10	irish	irish	ADJ
ijtc-1512	59	11	banks	bank	NOUN
ijtc-1512	59	12	,	,	PUNCT
ijtc-1512	59	13	the	the	DET
ijtc-1512	59	14	cheque	cheque	NOUN
ijtc-1512	59	15	office	office	NOUN
ijtc-1512	59	16	witnessed	witness	VERB
ijtc-1512	59	17	exponential	exponential	ADJ
ijtc-1512	59	18	growth	growth	NOUN
ijtc-1512	59	19	,	,	PUNCT
ijtc-1512	59	20	swelling	swell	VERB
ijtc-1512	59	21	to	to	ADP
ijtc-1512	59	22	25	25	NUM
ijtc-1512	59	23	member	member	NOUN
ijtc-1512	59	24	banks	bank	NOUN
ijtc-1512	59	25	by	by	ADP
ijtc-1512	59	26	the	the	DET
ijtc-1512	59	27	conclusion	conclusion	NOUN
ijtc-1512	59	28	of	of	ADP
ijtc-1512	59	29	1848	1848	NUM
ijtc-1512	59	30	.	.	PUNCT
ijtc-1512	60	1	subsequently	subsequently	ADV
ijtc-1512	60	2	,	,	PUNCT
ijtc-1512	60	3	the	the	DET
ijtc-1512	60	4	cheque	cheque	NOUN
ijtc-1512	60	5	office	office	NOUN
ijtc-1512	60	6	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1512	60	7	examining	examine	VERB
ijtc-1512	60	8	the	the	DET
ijtc-1512	60	9	management	management	NOUN
ijtc-1512	60	10	impact	impact	NOUN
ijtc-1512	60	11	:	:	PUNCT
ijtc-1512	60	12	a	a	DET
ijtc-1512	60	13	literature	literature	NOUN
ijtc-1512	60	14	review	review	NOUN
ijtc-1512	60	15	on	on	ADP
ijtc-1512	60	16	the	the	DET
ijtc-1512	60	17	phasing	phasing	NOUN
ijtc-1512	60	18	out	out	ADP
ijtc-1512	60	19	of	of	ADP
ijtc-1512	60	20	cheques	cheque	NOUN
ijtc-1512	60	21	in	in	ADP
ijtc-1512	60	22	south	south	PROPN
ijtc-1512	60	23	africa	africa	PROPN
ijtc-1512	60	24	abrahams	abrahams	PROPN
ijtc-1512	60	25	and	and	CCONJ
ijtc-1512	60	26	pretorius	pretorius	NOUN
ijtc-1512	60	27	4	4	NUM
ijtc-1512	60	28	|	|	ADV
ijtc-1512	60	29	ilomata	ilomata	PROPN
ijtc-1512	60	30	international	international	ADJ
ijtc-1512	60	31	journal	journal	NOUN
ijtc-1512	60	32	of	of	ADP
ijtc-1512	60	33	tax	tax	PROPN
ijtc-1512	60	34	&	&	CCONJ
ijtc-1512	60	35	accounting	accounting	NOUN
ijtc-1512	60	36	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1512	60	37	amalgamated	amalgamate	VERB
ijtc-1512	60	38	with	with	ADP
ijtc-1512	60	39	the	the	DET
ijtc-1512	60	40	bank	bank	PROPN
ijtc-1512	60	41	of	of	ADP
ijtc-1512	60	42	england	england	PROPN
ijtc-1512	60	43	,	,	PUNCT
ijtc-1512	60	44	consolidating	consolidate	VERB
ijtc-1512	60	45	its	its	PRON
ijtc-1512	60	46	operational	operational	ADJ
ijtc-1512	60	47	framework	framework	NOUN
ijtc-1512	60	48	within	within	ADP
ijtc-1512	60	49	a	a	DET
ijtc-1512	60	50	broader	broad	ADJ
ijtc-1512	60	51	institutional	institutional	ADJ
ijtc-1512	60	52	context	context	NOUN
ijtc-1512	60	53	.	.	PUNCT
ijtc-1512	61	1	(	(	PUNCT
ijtc-1512	61	2	kinns	kinns	NOUN
ijtc-1512	61	3	,	,	PUNCT
ijtc-1512	61	4	2021	2021	NUM
ijtc-1512	61	5	;	;	PUNCT
ijtc-1512	61	6	parry	parry	NOUN
ijtc-1512	61	7	,	,	PUNCT
ijtc-1512	61	8	2024	2024	NUM
ijtc-1512	61	9	;	;	PUNCT
ijtc-1512	61	10	festo	festo	PROPN
ijtc-1512	61	11	et	et	PROPN
ijtc-1512	61	12	al	al	PROPN
ijtc-1512	61	13	.	.	PROPN
ijtc-1512	61	14	,	,	PUNCT
ijtc-1512	61	15	2023	2023	NUM
ijtc-1512	61	16	;	;	PUNCT
ijtc-1512	61	17	haddad	haddad	PROPN
ijtc-1512	61	18	et	et	PROPN
ijtc-1512	61	19	al	al	PROPN
ijtc-1512	61	20	.	.	PROPN
ijtc-1512	61	21	,	,	PUNCT
ijtc-1512	61	22	2023	2023	NUM
ijtc-1512	61	23	;	;	PUNCT
ijtc-1512	61	24	zitha	zitha	PROPN
ijtc-1512	61	25	,	,	PUNCT
ijtc-1512	61	26	2023	2023	NUM
ijtc-1512	61	27	)	)	PUNCT
ijtc-1512	61	28	.	.	PUNCT
ijtc-1512	62	1	south	south	PROPN
ijtc-1512	62	2	africa	africa	PROPN
ijtc-1512	62	3	has	have	AUX
ijtc-1512	62	4	placed	place	VERB
ijtc-1512	62	5	itself	itself	PRON
ijtc-1512	62	6	on	on	ADP
ijtc-1512	62	7	a	a	DET
ijtc-1512	62	8	development	development	NOUN
ijtc-1512	62	9	pathway	pathway	NOUN
ijtc-1512	62	10	that	that	PRON
ijtc-1512	62	11	involves	involve	VERB
ijtc-1512	62	12	advanced	advanced	ADJ
ijtc-1512	62	13	adaptation	adaptation	NOUN
ijtc-1512	62	14	from	from	ADP
ijtc-1512	62	15	traditional	traditional	ADJ
ijtc-1512	62	16	methods	method	NOUN
ijtc-1512	62	17	to	to	ADP
ijtc-1512	62	18	the	the	DET
ijtc-1512	62	19	advancements	advancement	NOUN
ijtc-1512	62	20	of	of	ADP
ijtc-1512	62	21	more	more	ADV
ijtc-1512	62	22	technologically	technologically	ADV
ijtc-1512	62	23	oriented	orient	VERB
ijtc-1512	62	24	modes	mode	NOUN
ijtc-1512	62	25	of	of	ADP
ijtc-1512	62	26	payment	payment	NOUN
ijtc-1512	62	27	.	.	PUNCT
ijtc-1512	63	1	however	however	ADV
ijtc-1512	63	2	,	,	PUNCT
ijtc-1512	63	3	it	it	PRON
ijtc-1512	63	4	is	be	AUX
ijtc-1512	63	5	clear	clear	ADJ
ijtc-1512	63	6	from	from	ADP
ijtc-1512	63	7	other	other	ADJ
ijtc-1512	63	8	countries	country	NOUN
ijtc-1512	63	9	that	that	PRON
ijtc-1512	63	10	have	have	AUX
ijtc-1512	63	11	embarked	embark	VERB
ijtc-1512	63	12	on	on	ADP
ijtc-1512	63	13	cheque	cheque	NOUN
ijtc-1512	63	14	discontinuation	discontinuation	NOUN
ijtc-1512	63	15	that	that	SCONJ
ijtc-1512	63	16	the	the	DET
ijtc-1512	63	17	cheque	cheque	NOUN
ijtc-1512	63	18	is	be	AUX
ijtc-1512	63	19	still	still	ADV
ijtc-1512	63	20	favored	favor	VERB
ijtc-1512	63	21	due	due	ADP
ijtc-1512	63	22	to	to	ADP
ijtc-1512	63	23	its	its	PRON
ijtc-1512	63	24	reliability	reliability	NOUN
ijtc-1512	63	25	and	and	CCONJ
ijtc-1512	63	26	security	security	NOUN
ijtc-1512	63	27	features	feature	NOUN
ijtc-1512	63	28	.	.	PUNCT
ijtc-1512	64	1	cheques	cheque	NOUN
ijtc-1512	64	2	were	be	AUX
ijtc-1512	64	3	most	most	ADV
ijtc-1512	64	4	popular	popular	ADJ
ijtc-1512	64	5	in	in	ADP
ijtc-1512	64	6	rural	rural	ADJ
ijtc-1512	64	7	areas	area	NOUN
ijtc-1512	64	8	and	and	CCONJ
ijtc-1512	64	9	predominantly	predominantly	ADV
ijtc-1512	64	10	used	use	VERB
ijtc-1512	64	11	by	by	ADP
ijtc-1512	64	12	elderly	elderly	ADJ
ijtc-1512	64	13	south	south	PROPN
ijtc-1512	64	14	africans	africans	PROPN
ijtc-1512	64	15	,	,	PUNCT
ijtc-1512	64	16	pensioners	pensioner	NOUN
ijtc-1512	64	17	,	,	PUNCT
ijtc-1512	64	18	the	the	DET
ijtc-1512	64	19	informal	informal	ADJ
ijtc-1512	64	20	sector	sector	NOUN
ijtc-1512	64	21	,	,	PUNCT
ijtc-1512	64	22	the	the	DET
ijtc-1512	64	23	so	so	ADV
ijtc-1512	64	24	-	-	PUNCT
ijtc-1512	64	25	called	call	VERB
ijtc-1512	64	26	"	"	PUNCT
ijtc-1512	64	27	unbanked	unbanked	ADJ
ijtc-1512	64	28	communities	community	NOUN
ijtc-1512	64	29	,	,	PUNCT
ijtc-1512	64	30	"	"	PUNCT
ijtc-1512	64	31	and	and	CCONJ
ijtc-1512	64	32	even	even	ADV
ijtc-1512	64	33	the	the	PRON
ijtc-1512	64	34	further	far	ADV
ijtc-1512	64	35	economically	economically	ADV
ijtc-1512	64	36	challenged	challenge	VERB
ijtc-1512	64	37	and	and	CCONJ
ijtc-1512	64	38	financially	financially	ADV
ijtc-1512	64	39	underserved	underserved	ADJ
ijtc-1512	64	40	.	.	PUNCT
ijtc-1512	65	1	the	the	DET
ijtc-1512	65	2	rural	rural	ADJ
ijtc-1512	65	3	and	and	CCONJ
ijtc-1512	65	4	poorer	poor	ADJ
ijtc-1512	65	5	demographics	demographic	NOUN
ijtc-1512	65	6	rely	rely	VERB
ijtc-1512	65	7	heavily	heavily	ADV
ijtc-1512	65	8	on	on	ADP
ijtc-1512	65	9	cheques	cheque	NOUN
ijtc-1512	65	10	to	to	PART
ijtc-1512	65	11	settle	settle	VERB
ijtc-1512	65	12	accounts	account	NOUN
ijtc-1512	65	13	.	.	PUNCT
ijtc-1512	66	1	for	for	ADP
ijtc-1512	66	2	example	example	NOUN
ijtc-1512	66	3	,	,	PUNCT
ijtc-1512	66	4	school	school	NOUN
ijtc-1512	66	5	fees	fee	NOUN
ijtc-1512	66	6	,	,	PUNCT
ijtc-1512	66	7	rental	rental	NOUN
ijtc-1512	66	8	,	,	PUNCT
ijtc-1512	66	9	municipal	municipal	ADJ
ijtc-1512	66	10	charges	charge	NOUN
ijtc-1512	66	11	,	,	PUNCT
ijtc-1512	66	12	or	or	CCONJ
ijtc-1512	66	13	receiving	receive	VERB
ijtc-1512	66	14	wages	wage	NOUN
ijtc-1512	66	15	or	or	CCONJ
ijtc-1512	66	16	subsidies	subsidy	NOUN
ijtc-1512	66	17	.	.	PUNCT
ijtc-1512	67	1	these	these	DET
ijtc-1512	67	2	individuals	individual	NOUN
ijtc-1512	67	3	might	might	AUX
ijtc-1512	67	4	be	be	AUX
ijtc-1512	67	5	negatively	negatively	ADV
ijtc-1512	67	6	affected	affect	VERB
ijtc-1512	67	7	,	,	PUNCT
ijtc-1512	67	8	raising	raise	VERB
ijtc-1512	67	9	the	the	DET
ijtc-1512	67	10	costs	cost	NOUN
ijtc-1512	67	11	and	and	CCONJ
ijtc-1512	67	12	the	the	DET
ijtc-1512	67	13	lower	low	ADJ
ijtc-1512	67	14	volumes	volume	NOUN
ijtc-1512	67	15	for	for	ADP
ijtc-1512	67	16	the	the	DET
ijtc-1512	67	17	banks	bank	NOUN
ijtc-1512	67	18	in	in	ADP
ijtc-1512	67	19	terms	term	NOUN
ijtc-1512	67	20	of	of	ADP
ijtc-1512	67	21	using	use	VERB
ijtc-1512	67	22	cash	cash	NOUN
ijtc-1512	67	23	,	,	PUNCT
ijtc-1512	67	24	autoteller	autoteller	NOUN
ijtc-1512	67	25	machines	machine	NOUN
ijtc-1512	67	26	,	,	PUNCT
ijtc-1512	67	27	or	or	CCONJ
ijtc-1512	67	28	electronic	electronic	ADJ
ijtc-1512	67	29	debits	debit	NOUN
ijtc-1512	67	30	like	like	ADP
ijtc-1512	67	31	efts	eft	NOUN
ijtc-1512	67	32	.	.	PUNCT
ijtc-1512	68	1	the	the	DET
ijtc-1512	68	2	decline	decline	NOUN
ijtc-1512	68	3	in	in	ADP
ijtc-1512	68	4	cheque	cheque	NOUN
ijtc-1512	68	5	usage	usage	NOUN
ijtc-1512	68	6	over	over	ADP
ijtc-1512	68	7	time	time	NOUN
ijtc-1512	68	8	can	can	AUX
ijtc-1512	68	9	be	be	AUX
ijtc-1512	68	10	attributed	attribute	VERB
ijtc-1512	68	11	to	to	ADP
ijtc-1512	68	12	various	various	ADJ
ijtc-1512	68	13	factors	factor	NOUN
ijtc-1512	68	14	.	.	PUNCT
ijtc-1512	69	1	firstly	firstly	ADV
ijtc-1512	69	2	,	,	PUNCT
ijtc-1512	69	3	the	the	DET
ijtc-1512	69	4	issuance	issuance	NOUN
ijtc-1512	69	5	of	of	ADP
ijtc-1512	69	6	cheques	cheque	NOUN
ijtc-1512	69	7	was	be	AUX
ijtc-1512	69	8	perceived	perceive	VERB
ijtc-1512	69	9	as	as	ADP
ijtc-1512	69	10	cumbersome	cumbersome	ADJ
ijtc-1512	69	11	and	and	CCONJ
ijtc-1512	69	12	time	time	NOUN
ijtc-1512	69	13	-	-	PUNCT
ijtc-1512	69	14	consuming	consume	VERB
ijtc-1512	69	15	,	,	PUNCT
ijtc-1512	69	16	leading	lead	VERB
ijtc-1512	69	17	to	to	ADP
ijtc-1512	69	18	decreased	decrease	VERB
ijtc-1512	69	19	adoption	adoption	NOUN
ijtc-1512	69	20	.	.	PUNCT
ijtc-1512	70	1	additionally	additionally	ADV
ijtc-1512	70	2	,	,	PUNCT
ijtc-1512	70	3	the	the	DET
ijtc-1512	70	4	populace	populace	NOUN
ijtc-1512	70	5	's	's	PART
ijtc-1512	70	6	lack	lack	NOUN
ijtc-1512	70	7	of	of	ADP
ijtc-1512	70	8	widespread	widespread	ADJ
ijtc-1512	70	9	education	education	NOUN
ijtc-1512	70	10	on	on	ADP
ijtc-1512	70	11	cheque	cheque	NOUN
ijtc-1512	70	12	preparation	preparation	NOUN
ijtc-1512	70	13	contributed	contribute	VERB
ijtc-1512	70	14	to	to	ADP
ijtc-1512	70	15	diminishing	diminish	VERB
ijtc-1512	70	16	familiarity	familiarity	NOUN
ijtc-1512	70	17	and	and	CCONJ
ijtc-1512	70	18	usage	usage	NOUN
ijtc-1512	70	19	.	.	PUNCT
ijtc-1512	71	1	moreover	moreover	ADV
ijtc-1512	71	2	,	,	PUNCT
ijtc-1512	71	3	consumers	consumer	NOUN
ijtc-1512	71	4	faced	face	VERB
ijtc-1512	71	5	limited	limited	ADJ
ijtc-1512	71	6	fraud	fraud	NOUN
ijtc-1512	71	7	protection	protection	NOUN
ijtc-1512	71	8	when	when	SCONJ
ijtc-1512	71	9	using	use	VERB
ijtc-1512	71	10	cheques	cheque	NOUN
ijtc-1512	71	11	,	,	PUNCT
ijtc-1512	71	12	diminishing	diminish	VERB
ijtc-1512	71	13	their	their	PRON
ijtc-1512	71	14	appeal	appeal	NOUN
ijtc-1512	71	15	.	.	PUNCT
ijtc-1512	72	1	the	the	DET
ijtc-1512	72	2	interbank	interbank	NOUN
ijtc-1512	72	3	cheque	cheque	NOUN
ijtc-1512	72	4	processing	processing	NOUN
ijtc-1512	72	5	infrastructure	infrastructure	NOUN
ijtc-1512	72	6	became	become	VERB
ijtc-1512	72	7	outdated	outdated	ADJ
ijtc-1512	72	8	and	and	CCONJ
ijtc-1512	72	9	unable	unable	ADJ
ijtc-1512	72	10	to	to	PART
ijtc-1512	72	11	keep	keep	VERB
ijtc-1512	72	12	pace	pace	NOUN
ijtc-1512	72	13	with	with	ADP
ijtc-1512	72	14	rapid	rapid	ADJ
ijtc-1512	72	15	digital	digital	ADJ
ijtc-1512	72	16	advancements	advancement	NOUN
ijtc-1512	72	17	.	.	PUNCT
ijtc-1512	73	1	the	the	DET
ijtc-1512	73	2	onset	onset	NOUN
ijtc-1512	73	3	of	of	ADP
ijtc-1512	73	4	the	the	DET
ijtc-1512	73	5	covid-19	covid-19	PROPN
ijtc-1512	73	6	pandemic	pandemic	NOUN
ijtc-1512	73	7	in	in	ADP
ijtc-1512	73	8	2020	2020	NUM
ijtc-1512	73	9	exacerbated	exacerbate	VERB
ijtc-1512	73	10	the	the	DET
ijtc-1512	73	11	downward	downward	ADJ
ijtc-1512	73	12	trend	trend	NOUN
ijtc-1512	73	13	in	in	ADP
ijtc-1512	73	14	cheque	cheque	NOUN
ijtc-1512	73	15	usage	usage	NOUN
ijtc-1512	73	16	.	.	PUNCT
ijtc-1512	74	1	in	in	ADP
ijtc-1512	74	2	response	response	NOUN
ijtc-1512	74	3	to	to	ADP
ijtc-1512	74	4	these	these	DET
ijtc-1512	74	5	trends	trend	NOUN
ijtc-1512	74	6	,	,	PUNCT
ijtc-1512	74	7	the	the	DET
ijtc-1512	74	8	consultation	consultation	NOUN
ijtc-1512	74	9	paper	paper	NOUN
ijtc-1512	74	10	"	"	PUNCT
ijtc-1512	74	11	the	the	DET
ijtc-1512	74	12	phasing	phasing	NOUN
ijtc-1512	74	13	out	out	ADP
ijtc-1512	74	14	of	of	ADP
ijtc-1512	74	15	cheques	cheque	NOUN
ijtc-1512	74	16	in	in	ADP
ijtc-1512	74	17	the	the	DET
ijtc-1512	74	18	national	national	ADJ
ijtc-1512	74	19	payment	payment	NOUN
ijtc-1512	74	20	system	system	NOUN
ijtc-1512	74	21	,	,	PUNCT
ijtc-1512	74	22	"	"	PUNCT
ijtc-1512	74	23	issued	issue	VERB
ijtc-1512	74	24	on	on	ADP
ijtc-1512	74	25	october	october	PROPN
ijtc-1512	74	26	2	2	NUM
ijtc-1512	74	27	,	,	PUNCT
ijtc-1512	74	28	2020	2020	NUM
ijtc-1512	74	29	,	,	PUNCT
ijtc-1512	74	30	delineated	delineate	VERB
ijtc-1512	74	31	the	the	DET
ijtc-1512	74	32	circumstances	circumstance	NOUN
ijtc-1512	74	33	surrounding	surround	VERB
ijtc-1512	74	34	the	the	DET
ijtc-1512	74	35	discontinuation	discontinuation	NOUN
ijtc-1512	74	36	of	of	ADP
ijtc-1512	74	37	cheques	cheque	NOUN
ijtc-1512	74	38	.	.	PUNCT
ijtc-1512	75	1	december	december	PROPN
ijtc-1512	75	2	31	31	NUM
ijtc-1512	75	3	,	,	PUNCT
ijtc-1512	75	4	2020	2020	NUM
ijtc-1512	75	5	,	,	PUNCT
ijtc-1512	75	6	marked	mark	VERB
ijtc-1512	75	7	the	the	DET
ijtc-1512	75	8	final	final	ADJ
ijtc-1512	75	9	day	day	NOUN
ijtc-1512	75	10	south	south	ADJ
ijtc-1512	75	11	african	african	ADJ
ijtc-1512	75	12	banks	bank	NOUN
ijtc-1512	75	13	accepted	accept	VERB
ijtc-1512	75	14	cheques	cheque	NOUN
ijtc-1512	75	15	for	for	ADP
ijtc-1512	75	16	deposit	deposit	NOUN
ijtc-1512	75	17	or	or	CCONJ
ijtc-1512	75	18	encashment	encashment	NOUN
ijtc-1512	75	19	.	.	PUNCT
ijtc-1512	76	1	banks	bank	NOUN
ijtc-1512	76	2	must	must	AUX
ijtc-1512	76	3	communicate	communicate	VERB
ijtc-1512	76	4	broadly	broadly	ADV
ijtc-1512	76	5	with	with	ADP
ijtc-1512	76	6	their	their	PRON
ijtc-1512	76	7	clients	client	NOUN
ijtc-1512	76	8	to	to	PART
ijtc-1512	76	9	prepare	prepare	VERB
ijtc-1512	76	10	them	they	PRON
ijtc-1512	76	11	for	for	ADP
ijtc-1512	76	12	this	this	DET
ijtc-1512	76	13	transition	transition	NOUN
ijtc-1512	76	14	,	,	PUNCT
ijtc-1512	76	15	guiding	guide	VERB
ijtc-1512	76	16	alternative	alternative	ADJ
ijtc-1512	76	17	digital	digital	ADJ
ijtc-1512	76	18	payment	payment	NOUN
ijtc-1512	76	19	methods	method	NOUN
ijtc-1512	76	20	.	.	PUNCT
ijtc-1512	77	1	stakeholders	stakeholder	NOUN
ijtc-1512	77	2	are	be	AUX
ijtc-1512	77	3	urged	urge	VERB
ijtc-1512	77	4	to	to	PART
ijtc-1512	77	5	cease	cease	VERB
ijtc-1512	77	6	issuing	issue	VERB
ijtc-1512	77	7	and	and	CCONJ
ijtc-1512	77	8	accepting	accept	VERB
ijtc-1512	77	9	cheques	cheque	NOUN
ijtc-1512	77	10	after	after	ADP
ijtc-1512	77	11	december	december	PROPN
ijtc-1512	77	12	31	31	NUM
ijtc-1512	77	13	,	,	PUNCT
ijtc-1512	77	14	2020	2020	NUM
ijtc-1512	77	15	,	,	PUNCT
ijtc-1512	77	16	and	and	CCONJ
ijtc-1512	77	17	engage	engage	VERB
ijtc-1512	77	18	with	with	ADP
ijtc-1512	77	19	their	their	PRON
ijtc-1512	77	20	banks	bank	NOUN
ijtc-1512	77	21	to	to	PART
ijtc-1512	77	22	learn	learn	VERB
ijtc-1512	77	23	about	about	ADP
ijtc-1512	77	24	electronic	electronic	ADJ
ijtc-1512	77	25	payment	payment	NOUN
ijtc-1512	77	26	alternatives	alternative	NOUN
ijtc-1512	77	27	(	(	PUNCT
ijtc-1512	77	28	sarb	sarb	NOUN
ijtc-1512	77	29	,	,	PUNCT
ijtc-1512	77	30	2020	2020	NUM
ijtc-1512	77	31	)	)	PUNCT
ijtc-1512	77	32	.	.	PUNCT
ijtc-1512	78	1	cheques	cheque	NOUN
ijtc-1512	78	2	were	be	AUX
ijtc-1512	78	3	once	once	ADV
ijtc-1512	78	4	a	a	DET
ijtc-1512	78	5	prevalent	prevalent	ADJ
ijtc-1512	78	6	form	form	NOUN
ijtc-1512	78	7	of	of	ADP
ijtc-1512	78	8	payment	payment	NOUN
ijtc-1512	78	9	in	in	ADP
ijtc-1512	78	10	south	south	PROPN
ijtc-1512	78	11	africa	africa	PROPN
ijtc-1512	78	12	,	,	PUNCT
ijtc-1512	78	13	peaking	peak	VERB
ijtc-1512	78	14	in	in	ADP
ijtc-1512	78	15	popularity	popularity	NOUN
ijtc-1512	78	16	during	during	ADP
ijtc-1512	78	17	the	the	DET
ijtc-1512	78	18	1990s	1990s	NUM
ijtc-1512	78	19	,	,	PUNCT
ijtc-1512	78	20	constituting	constitute	VERB
ijtc-1512	78	21	nearly	nearly	ADV
ijtc-1512	78	22	80	80	NUM
ijtc-1512	78	23	%	%	NOUN
ijtc-1512	78	24	of	of	ADP
ijtc-1512	78	25	non	non	ADJ
ijtc-1512	78	26	-	-	ADJ
ijtc-1512	78	27	cash	cash	ADJ
ijtc-1512	78	28	payments	payment	NOUN
ijtc-1512	78	29	.	.	PUNCT
ijtc-1512	79	1	however	however	ADV
ijtc-1512	79	2	,	,	PUNCT
ijtc-1512	79	3	technological	technological	ADJ
ijtc-1512	79	4	advancements	advancement	NOUN
ijtc-1512	79	5	over	over	ADP
ijtc-1512	79	6	recent	recent	ADJ
ijtc-1512	79	7	decades	decade	NOUN
ijtc-1512	79	8	,	,	PUNCT
ijtc-1512	79	9	such	such	ADJ
ijtc-1512	79	10	as	as	ADP
ijtc-1512	79	11	increased	increase	VERB
ijtc-1512	79	12	internet	internet	NOUN
ijtc-1512	79	13	access	access	NOUN
ijtc-1512	79	14	and	and	CCONJ
ijtc-1512	79	15	the	the	DET
ijtc-1512	79	16	proliferation	proliferation	NOUN
ijtc-1512	79	17	of	of	ADP
ijtc-1512	79	18	internet	internet	NOUN
ijtc-1512	79	19	-	-	PUNCT
ijtc-1512	79	20	enabled	enable	VERB
ijtc-1512	79	21	mobile	mobile	ADJ
ijtc-1512	79	22	devices	device	NOUN
ijtc-1512	79	23	,	,	PUNCT
ijtc-1512	79	24	have	have	AUX
ijtc-1512	79	25	transformed	transform	VERB
ijtc-1512	79	26	business	business	NOUN
ijtc-1512	79	27	practices	practice	NOUN
ijtc-1512	79	28	and	and	CCONJ
ijtc-1512	79	29	payment	payment	NOUN
ijtc-1512	79	30	preferences	preference	NOUN
ijtc-1512	79	31	.	.	PUNCT
ijtc-1512	80	1	consumers	consumer	NOUN
ijtc-1512	80	2	have	have	AUX
ijtc-1512	80	3	shifted	shift	VERB
ijtc-1512	80	4	towards	towards	ADP
ijtc-1512	80	5	electronic	electronic	ADJ
ijtc-1512	80	6	payment	payment	NOUN
ijtc-1512	80	7	transactions	transaction	NOUN
ijtc-1512	80	8	due	due	ADP
ijtc-1512	80	9	to	to	ADP
ijtc-1512	80	10	the	the	DET
ijtc-1512	80	11	stability	stability	NOUN
ijtc-1512	80	12	and	and	CCONJ
ijtc-1512	80	13	reliability	reliability	NOUN
ijtc-1512	80	14	of	of	ADP
ijtc-1512	80	15	digital	digital	ADJ
ijtc-1512	80	16	infrastructure	infrastructure	NOUN
ijtc-1512	80	17	.	.	PUNCT
ijtc-1512	81	1	consequently	consequently	ADV
ijtc-1512	81	2	,	,	PUNCT
ijtc-1512	81	3	cheque	cheque	NOUN
ijtc-1512	81	4	usage	usage	NOUN
ijtc-1512	81	5	has	have	AUX
ijtc-1512	81	6	declined	decline	VERB
ijtc-1512	81	7	,	,	PUNCT
ijtc-1512	81	8	with	with	ADP
ijtc-1512	81	9	businesses	business	NOUN
ijtc-1512	81	10	and	and	CCONJ
ijtc-1512	81	11	individuals	individual	NOUN
ijtc-1512	81	12	favoring	favor	VERB
ijtc-1512	81	13	online	online	ADJ
ijtc-1512	81	14	payment	payment	NOUN
ijtc-1512	81	15	methods	method	NOUN
ijtc-1512	81	16	like	like	ADP
ijtc-1512	81	17	debit	debit	NOUN
ijtc-1512	81	18	/	/	SYM
ijtc-1512	81	19	credit	credit	NOUN
ijtc-1512	81	20	cards	card	NOUN
ijtc-1512	81	21	and	and	CCONJ
ijtc-1512	81	22	electronic	electronic	ADJ
ijtc-1512	81	23	fund	fund	NOUN
ijtc-1512	81	24	transfers	transfer	NOUN
ijtc-1512	81	25	.	.	PUNCT
ijtc-1512	82	1	this	this	DET
ijtc-1512	82	2	transition	transition	NOUN
ijtc-1512	82	3	to	to	ADP
ijtc-1512	82	4	digital	digital	ADJ
ijtc-1512	82	5	payment	payment	NOUN
ijtc-1512	82	6	methods	method	NOUN
ijtc-1512	82	7	has	have	AUX
ijtc-1512	82	8	been	be	AUX
ijtc-1512	82	9	further	far	ADV
ijtc-1512	82	10	accelerated	accelerate	VERB
ijtc-1512	82	11	by	by	ADP
ijtc-1512	82	12	global	global	ADJ
ijtc-1512	82	13	economic	economic	ADJ
ijtc-1512	82	14	crises	crisis	NOUN
ijtc-1512	82	15	and	and	CCONJ
ijtc-1512	82	16	the	the	DET
ijtc-1512	82	17	covid-19	covid-19	PROPN
ijtc-1512	82	18	pandemic	pandemic	NOUN
ijtc-1512	82	19	,	,	PUNCT
ijtc-1512	82	20	with	with	ADP
ijtc-1512	82	21	consumers	consumer	NOUN
ijtc-1512	82	22	considering	consider	VERB
ijtc-1512	82	23	digital	digital	ADJ
ijtc-1512	82	24	methods	method	NOUN
ijtc-1512	82	25	more	more	ADV
ijtc-1512	82	26	efficient	efficient	ADJ
ijtc-1512	82	27	and	and	CCONJ
ijtc-1512	82	28	user	user	NOUN
ijtc-1512	82	29	-	-	PUNCT
ijtc-1512	82	30	friendly	friendly	ADJ
ijtc-1512	82	31	(	(	PUNCT
ijtc-1512	82	32	alalwan	alalwan	PROPN
ijtc-1512	82	33	,	,	PUNCT
ijtc-1512	82	34	dwivedi	dwivedi	PROPN
ijtc-1512	82	35	,	,	PUNCT
ijtc-1512	82	36	rana	rana	PROPN
ijtc-1512	82	37	,	,	PUNCT
ijtc-1512	82	38	&	&	CCONJ
ijtc-1512	82	39	algharabat	algharabat	PROPN
ijtc-1512	82	40	,	,	PUNCT
ijtc-1512	82	41	2018	2018	NUM
ijtc-1512	82	42	;	;	PUNCT
ijtc-1512	82	43	alalwan	alalwan	NOUN
ijtc-1512	82	44	,	,	PUNCT
ijtc-1512	82	45	baabdullah	baabdullah	PROPN
ijtc-1512	82	46	,	,	PUNCT
ijtc-1512	82	47	rana	rana	PROPN
ijtc-1512	82	48	,	,	PUNCT
ijtc-1512	82	49	tamilmani	tamilmani	PROPN
ijtc-1512	82	50	,	,	PUNCT
ijtc-1512	82	51	&	&	CCONJ
ijtc-1512	82	52	dwivedi	dwivedi	PROPN
ijtc-1512	82	53	,	,	PUNCT
ijtc-1512	82	54	2018	2018	NUM
ijtc-1512	82	55	;	;	PUNCT
ijtc-1512	82	56	goel	goel	PROPN
ijtc-1512	82	57	,	,	PUNCT
ijtc-1512	82	58	sahai	sahai	NOUN
ijtc-1512	82	59	,	,	PUNCT
ijtc-1512	82	60	vinaik	vinaik	NOUN
ijtc-1512	82	61	,	,	PUNCT
ijtc-1512	82	62	&	&	CCONJ
ijtc-1512	82	63	garg	garg	PROPN
ijtc-1512	82	64	,	,	PUNCT
ijtc-1512	82	65	2019	2019	NUM
ijtc-1512	82	66	;	;	PUNCT
ijtc-1512	82	67	aladwani	aladwani	NOUN
ijtc-1512	82	68	,	,	PUNCT
ijtc-1512	82	69	2001	2001	NUM
ijtc-1512	82	70	;	;	PUNCT
ijtc-1512	82	71	leong	leong	PROPN
ijtc-1512	82	72	,	,	PUNCT
ijtc-1512	82	73	hew	hew	VERB
ijtc-1512	82	74	,	,	PUNCT
ijtc-1512	82	75	ooi	ooi	PROPN
ijtc-1512	82	76	,	,	PUNCT
ijtc-1512	82	77	&	&	CCONJ
ijtc-1512	82	78	wei	wei	PROPN
ijtc-1512	82	79	,	,	PUNCT
ijtc-1512	82	80	2020	2020	NUM
ijtc-1512	82	81	)	)	PUNCT
ijtc-1512	82	82	.	.	PUNCT
ijtc-1512	83	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1512	83	2	examining	examine	VERB
ijtc-1512	83	3	the	the	DET
ijtc-1512	83	4	management	management	NOUN
ijtc-1512	83	5	impact	impact	NOUN
ijtc-1512	83	6	:	:	PUNCT
ijtc-1512	83	7	a	a	DET
ijtc-1512	83	8	literature	literature	NOUN
ijtc-1512	83	9	review	review	NOUN
ijtc-1512	83	10	on	on	ADP
ijtc-1512	83	11	the	the	DET
ijtc-1512	83	12	phasing	phasing	NOUN
ijtc-1512	83	13	out	out	ADP
ijtc-1512	83	14	of	of	ADP
ijtc-1512	83	15	cheques	cheque	NOUN
ijtc-1512	83	16	in	in	ADP
ijtc-1512	83	17	south	south	PROPN
ijtc-1512	83	18	africa	africa	PROPN
ijtc-1512	83	19	abrahams	abrahams	PROPN
ijtc-1512	83	20	and	and	CCONJ
ijtc-1512	83	21	pretorius	pretorius	NOUN
ijtc-1512	83	22	5	5	NUM
ijtc-1512	83	23	|	|	ADV
ijtc-1512	83	24	ilomata	ilomata	PROPN
ijtc-1512	83	25	international	international	ADJ
ijtc-1512	83	26	journal	journal	NOUN
ijtc-1512	83	27	of	of	ADP
ijtc-1512	83	28	tax	tax	PROPN
ijtc-1512	83	29	&	&	CCONJ
ijtc-1512	83	30	accounting	accounting	PROPN
ijtc-1512	83	31	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	83	32	the	the	DET
ijtc-1512	83	33	unprecedented	unprecedented	ADJ
ijtc-1512	83	34	covid-19	covid-19	PROPN
ijtc-1512	83	35	pandemic	pandemic	NOUN
ijtc-1512	83	36	has	have	AUX
ijtc-1512	83	37	ushered	usher	VERB
ijtc-1512	83	38	in	in	ADP
ijtc-1512	83	39	a	a	DET
ijtc-1512	83	40	new	new	ADJ
ijtc-1512	83	41	era	era	NOUN
ijtc-1512	83	42	for	for	ADP
ijtc-1512	83	43	businesses	business	NOUN
ijtc-1512	83	44	and	and	CCONJ
ijtc-1512	83	45	interpersonal	interpersonal	ADJ
ijtc-1512	83	46	relationships	relationship	NOUN
ijtc-1512	83	47	,	,	PUNCT
ijtc-1512	83	48	fundamentally	fundamentally	ADV
ijtc-1512	83	49	altering	alter	VERB
ijtc-1512	83	50	society	society	NOUN
ijtc-1512	83	51	's	's	PART
ijtc-1512	83	52	operations	operation	NOUN
ijtc-1512	83	53	.	.	PUNCT
ijtc-1512	84	1	south	south	PROPN
ijtc-1512	84	2	africa	africa	PROPN
ijtc-1512	84	3	has	have	AUX
ijtc-1512	84	4	endured	endure	VERB
ijtc-1512	84	5	some	some	PRON
ijtc-1512	84	6	of	of	ADP
ijtc-1512	84	7	the	the	DET
ijtc-1512	84	8	most	most	ADV
ijtc-1512	84	9	stringent	stringent	ADJ
ijtc-1512	84	10	lockdown	lockdown	NOUN
ijtc-1512	84	11	measures	measure	NOUN
ijtc-1512	84	12	and	and	CCONJ
ijtc-1512	84	13	restrictions	restriction	NOUN
ijtc-1512	84	14	to	to	PART
ijtc-1512	84	15	combat	combat	VERB
ijtc-1512	84	16	the	the	DET
ijtc-1512	84	17	virus	virus	NOUN
ijtc-1512	84	18	.	.	PUNCT
ijtc-1512	85	1	this	this	DET
ijtc-1512	85	2	highlights	highlight	VERB
ijtc-1512	85	3	the	the	DET
ijtc-1512	85	4	stark	stark	ADJ
ijtc-1512	85	5	gap	gap	NOUN
ijtc-1512	85	6	between	between	ADP
ijtc-1512	85	7	those	those	PRON
ijtc-1512	85	8	with	with	ADP
ijtc-1512	85	9	access	access	NOUN
ijtc-1512	85	10	to	to	ADP
ijtc-1512	85	11	technology	technology	NOUN
ijtc-1512	85	12	and	and	CCONJ
ijtc-1512	85	13	those	those	PRON
ijtc-1512	85	14	without	without	ADP
ijtc-1512	85	15	access	access	NOUN
ijtc-1512	85	16	.	.	PUNCT
ijtc-1512	86	1	given	give	VERB
ijtc-1512	86	2	this	this	DET
ijtc-1512	86	3	reality	reality	NOUN
ijtc-1512	86	4	,	,	PUNCT
ijtc-1512	86	5	planning	plan	VERB
ijtc-1512	86	6	to	to	PART
ijtc-1512	86	7	phase	phase	VERB
ijtc-1512	86	8	out	out	ADP
ijtc-1512	86	9	cheques	cheque	NOUN
ijtc-1512	86	10	has	have	AUX
ijtc-1512	86	11	become	become	VERB
ijtc-1512	86	12	even	even	ADV
ijtc-1512	86	13	more	more	ADV
ijtc-1512	86	14	complicated	complicated	ADJ
ijtc-1512	86	15	.	.	PUNCT
ijtc-1512	87	1	it	it	PRON
ijtc-1512	87	2	's	be	AUX
ijtc-1512	87	3	important	important	ADJ
ijtc-1512	87	4	to	to	PART
ijtc-1512	87	5	note	note	VERB
ijtc-1512	87	6	that	that	SCONJ
ijtc-1512	87	7	the	the	DET
ijtc-1512	87	8	decision	decision	NOUN
ijtc-1512	87	9	to	to	PART
ijtc-1512	87	10	get	get	AUX
ijtc-1512	87	11	rid	rid	VERB
ijtc-1512	87	12	of	of	ADP
ijtc-1512	87	13	cheques	cheque	NOUN
ijtc-1512	87	14	was	be	AUX
ijtc-1512	87	15	made	make	VERB
ijtc-1512	87	16	solely	solely	ADV
ijtc-1512	87	17	by	by	ADP
ijtc-1512	87	18	the	the	DET
ijtc-1512	87	19	south	south	PROPN
ijtc-1512	87	20	african	african	PROPN
ijtc-1512	87	21	reserve	reserve	PROPN
ijtc-1512	87	22	bank	bank	PROPN
ijtc-1512	87	23	without	without	ADP
ijtc-1512	87	24	consulting	consult	VERB
ijtc-1512	87	25	the	the	DET
ijtc-1512	87	26	people	people	NOUN
ijtc-1512	87	27	directly	directly	ADV
ijtc-1512	87	28	affected	affect	VERB
ijtc-1512	87	29	by	by	ADP
ijtc-1512	87	30	it	it	PRON
ijtc-1512	87	31	.	.	PUNCT
ijtc-1512	88	1	this	this	DET
ijtc-1512	88	2	lack	lack	NOUN
ijtc-1512	88	3	of	of	ADP
ijtc-1512	88	4	involvement	involvement	NOUN
ijtc-1512	88	5	makes	make	VERB
ijtc-1512	88	6	the	the	DET
ijtc-1512	88	7	potential	potential	ADJ
ijtc-1512	88	8	hardships	hardship	NOUN
ijtc-1512	88	9	they	they	PRON
ijtc-1512	88	10	might	might	AUX
ijtc-1512	88	11	face	face	VERB
ijtc-1512	88	12	even	even	ADV
ijtc-1512	88	13	worse	bad	ADJ
ijtc-1512	88	14	.	.	PUNCT
ijtc-1512	89	1	originally	originally	ADV
ijtc-1512	89	2	,	,	PUNCT
ijtc-1512	89	3	the	the	DET
ijtc-1512	89	4	plan	plan	NOUN
ijtc-1512	89	5	was	be	AUX
ijtc-1512	89	6	to	to	PART
ijtc-1512	89	7	eliminate	eliminate	VERB
ijtc-1512	89	8	cheques	cheque	NOUN
ijtc-1512	89	9	by	by	ADP
ijtc-1512	89	10	2025	2025	NUM
ijtc-1512	89	11	,	,	PUNCT
ijtc-1512	89	12	a	a	DET
ijtc-1512	89	13	decision	decision	NOUN
ijtc-1512	89	14	made	make	VERB
ijtc-1512	89	15	in	in	ADP
ijtc-1512	89	16	june	june	PROPN
ijtc-1512	89	17	2012	2012	NUM
ijtc-1512	89	18	.	.	PUNCT
ijtc-1512	90	1	it	it	PRON
ijtc-1512	90	2	's	be	AUX
ijtc-1512	90	3	crucial	crucial	ADJ
ijtc-1512	90	4	to	to	PART
ijtc-1512	90	5	fully	fully	ADV
ijtc-1512	90	6	understand	understand	VERB
ijtc-1512	90	7	the	the	DET
ijtc-1512	90	8	consequences	consequence	NOUN
ijtc-1512	90	9	and	and	CCONJ
ijtc-1512	90	10	develop	develop	VERB
ijtc-1512	90	11	a	a	DET
ijtc-1512	90	12	plan	plan	NOUN
ijtc-1512	90	13	that	that	PRON
ijtc-1512	90	14	ensures	ensure	VERB
ijtc-1512	90	15	everyone	everyone	PRON
ijtc-1512	90	16	has	have	VERB
ijtc-1512	90	17	fair	fair	ADJ
ijtc-1512	90	18	access	access	NOUN
ijtc-1512	90	19	to	to	ADP
ijtc-1512	90	20	other	other	ADJ
ijtc-1512	90	21	payment	payment	NOUN
ijtc-1512	90	22	methods	method	NOUN
ijtc-1512	90	23	.	.	PUNCT
ijtc-1512	91	1	finding	find	VERB
ijtc-1512	91	2	a	a	DET
ijtc-1512	91	3	balance	balance	NOUN
ijtc-1512	91	4	between	between	ADP
ijtc-1512	91	5	advancing	advance	VERB
ijtc-1512	91	6	technology	technology	NOUN
ijtc-1512	91	7	and	and	CCONJ
ijtc-1512	91	8	ensuring	ensure	VERB
ijtc-1512	91	9	everyone	everyone	PRON
ijtc-1512	91	10	,	,	PUNCT
ijtc-1512	91	11	especially	especially	ADV
ijtc-1512	91	12	those	those	PRON
ijtc-1512	91	13	in	in	ADP
ijtc-1512	91	14	rural	rural	ADJ
ijtc-1512	91	15	areas	area	NOUN
ijtc-1512	91	16	,	,	PUNCT
ijtc-1512	91	17	can	can	AUX
ijtc-1512	91	18	still	still	ADV
ijtc-1512	91	19	access	access	VERB
ijtc-1512	91	20	financial	financial	ADJ
ijtc-1512	91	21	services	service	NOUN
ijtc-1512	91	22	is	be	AUX
ijtc-1512	91	23	key	key	ADJ
ijtc-1512	91	24	.	.	PUNCT
ijtc-1512	92	1	by	by	ADP
ijtc-1512	92	2	doing	do	VERB
ijtc-1512	92	3	this	this	PRON
ijtc-1512	92	4	,	,	PUNCT
ijtc-1512	92	5	south	south	PROPN
ijtc-1512	92	6	africa	africa	PROPN
ijtc-1512	92	7	can	can	AUX
ijtc-1512	92	8	reduce	reduce	VERB
ijtc-1512	92	9	the	the	DET
ijtc-1512	92	10	negative	negative	ADJ
ijtc-1512	92	11	impact	impact	NOUN
ijtc-1512	92	12	on	on	ADP
ijtc-1512	92	13	marginalized	marginalize	VERB
ijtc-1512	92	14	individuals	individual	NOUN
ijtc-1512	92	15	and	and	CCONJ
ijtc-1512	92	16	create	create	VERB
ijtc-1512	92	17	a	a	DET
ijtc-1512	92	18	more	more	ADV
ijtc-1512	92	19	inclusive	inclusive	ADJ
ijtc-1512	92	20	society	society	NOUN
ijtc-1512	92	21	.	.	PUNCT
ijtc-1512	93	1	(	(	PUNCT
ijtc-1512	93	2	torkelson	torkelson	NOUN
ijtc-1512	93	3	,	,	PUNCT
ijtc-1512	93	4	2020	2020	NUM
ijtc-1512	93	5	;	;	PUNCT
ijtc-1512	93	6	du	du	PROPN
ijtc-1512	93	7	plessis	plessis	PROPN
ijtc-1512	93	8	et	et	PROPN
ijtc-1512	93	9	al	al	PROPN
ijtc-1512	93	10	.	.	PROPN
ijtc-1512	93	11	,	,	PUNCT
ijtc-1512	93	12	2022	2022	NUM
ijtc-1512	93	13	;	;	PUNCT
ijtc-1512	93	14	cipriani	cipriani	PROPN
ijtc-1512	93	15	et	et	PROPN
ijtc-1512	93	16	al	al	PROPN
ijtc-1512	93	17	.	.	PROPN
ijtc-1512	93	18	,	,	PUNCT
ijtc-1512	93	19	2023	2023	NUM
ijtc-1512	93	20	)	)	PUNCT
ijtc-1512	93	21	.	.	PUNCT
ijtc-1512	94	1	the	the	DET
ijtc-1512	94	2	discontinuation	discontinuation	NOUN
ijtc-1512	94	3	of	of	ADP
ijtc-1512	94	4	cheques	cheque	NOUN
ijtc-1512	94	5	will	will	AUX
ijtc-1512	94	6	increase	increase	VERB
ijtc-1512	94	7	financial	financial	ADJ
ijtc-1512	94	8	and	and	CCONJ
ijtc-1512	94	9	organizational	organizational	ADJ
ijtc-1512	94	10	costs	cost	NOUN
ijtc-1512	94	11	.	.	PUNCT
ijtc-1512	95	1	discontinuation	discontinuation	NOUN
ijtc-1512	95	2	of	of	ADP
ijtc-1512	95	3	payment	payment	NOUN
ijtc-1512	95	4	instruments	instrument	NOUN
ijtc-1512	95	5	or	or	CCONJ
ijtc-1512	95	6	methods	method	NOUN
ijtc-1512	95	7	is	be	AUX
ijtc-1512	95	8	seen	see	VERB
ijtc-1512	95	9	as	as	ADP
ijtc-1512	95	10	a	a	DET
ijtc-1512	95	11	normal	normal	ADJ
ijtc-1512	95	12	,	,	PUNCT
ijtc-1512	95	13	natural	natural	ADJ
ijtc-1512	95	14	progression	progression	NOUN
ijtc-1512	95	15	in	in	ADP
ijtc-1512	95	16	the	the	DET
ijtc-1512	95	17	evolution	evolution	NOUN
ijtc-1512	95	18	of	of	ADP
ijtc-1512	95	19	payment	payment	NOUN
ijtc-1512	95	20	systems	system	NOUN
ijtc-1512	95	21	.	.	PUNCT
ijtc-1512	96	1	it	it	PRON
ijtc-1512	96	2	reflects	reflect	VERB
ijtc-1512	96	3	the	the	DET
ijtc-1512	96	4	social	social	ADJ
ijtc-1512	96	5	needs	need	NOUN
ijtc-1512	96	6	of	of	ADP
ijtc-1512	96	7	consumers	consumer	NOUN
ijtc-1512	96	8	and	and	CCONJ
ijtc-1512	96	9	society	society	NOUN
ijtc-1512	96	10	at	at	ADP
ijtc-1512	96	11	large	large	ADJ
ijtc-1512	96	12	to	to	PART
ijtc-1512	96	13	simplify	simplify	VERB
ijtc-1512	96	14	their	their	PRON
ijtc-1512	96	15	payment	payment	NOUN
ijtc-1512	96	16	-	-	PUNCT
ijtc-1512	96	17	making	make	VERB
ijtc-1512	96	18	process	process	NOUN
ijtc-1512	96	19	.	.	PUNCT
ijtc-1512	97	1	the	the	DET
ijtc-1512	97	2	advent	advent	NOUN
ijtc-1512	97	3	of	of	ADP
ijtc-1512	97	4	technological	technological	ADJ
ijtc-1512	97	5	innovations	innovation	NOUN
ijtc-1512	97	6	has	have	AUX
ijtc-1512	97	7	significantly	significantly	ADV
ijtc-1512	97	8	improved	improve	VERB
ijtc-1512	97	9	payment	payment	NOUN
ijtc-1512	97	10	processes	process	NOUN
ijtc-1512	97	11	.	.	PUNCT
ijtc-1512	98	1	the	the	DET
ijtc-1512	98	2	national	national	PROPN
ijtc-1512	98	3	monetary	monetary	ADJ
ijtc-1512	98	4	authority	authority	NOUN
ijtc-1512	98	5	or	or	CCONJ
ijtc-1512	98	6	major	major	ADJ
ijtc-1512	98	7	commercial	commercial	ADJ
ijtc-1512	98	8	banks	bank	NOUN
ijtc-1512	98	9	process	process	VERB
ijtc-1512	98	10	many	many	ADJ
ijtc-1512	98	11	electronic	electronic	ADJ
ijtc-1512	98	12	payment	payment	NOUN
ijtc-1512	98	13	methods	method	NOUN
ijtc-1512	98	14	.	.	PUNCT
ijtc-1512	99	1	payment	payment	NOUN
ijtc-1512	99	2	instruments	instrument	NOUN
ijtc-1512	99	3	serve	serve	VERB
ijtc-1512	99	4	various	various	ADJ
ijtc-1512	99	5	essential	essential	ADJ
ijtc-1512	99	6	functions	function	NOUN
ijtc-1512	99	7	,	,	PUNCT
ijtc-1512	99	8	including	include	VERB
ijtc-1512	99	9	their	their	PRON
ijtc-1512	99	10	non	non	ADJ
ijtc-1512	99	11	-	-	ADJ
ijtc-1512	99	12	negotiable	negotiable	ADJ
ijtc-1512	99	13	nature	nature	NOUN
ijtc-1512	99	14	,	,	PUNCT
ijtc-1512	99	15	widespread	widespread	ADJ
ijtc-1512	99	16	acceptance	acceptance	NOUN
ijtc-1512	99	17	,	,	PUNCT
ijtc-1512	99	18	and	and	CCONJ
ijtc-1512	99	19	the	the	DET
ijtc-1512	99	20	distinction	distinction	NOUN
ijtc-1512	99	21	that	that	SCONJ
ijtc-1512	99	22	cheques	cheque	NOUN
ijtc-1512	99	23	are	be	AUX
ijtc-1512	99	24	used	use	VERB
ijtc-1512	99	25	for	for	ADP
ijtc-1512	99	26	payment	payment	NOUN
ijtc-1512	99	27	rather	rather	ADV
ijtc-1512	99	28	than	than	ADP
ijtc-1512	99	29	as	as	ADP
ijtc-1512	99	30	debt	debt	NOUN
ijtc-1512	99	31	instruments	instrument	NOUN
ijtc-1512	99	32	.	.	PUNCT
ijtc-1512	100	1	consumer	consumer	NOUN
ijtc-1512	100	2	transaction	transaction	NOUN
ijtc-1512	100	3	account	account	NOUN
ijtc-1512	100	4	charges	charge	NOUN
ijtc-1512	100	5	(	(	PUNCT
ijtc-1512	100	6	ctac	ctac	NOUN
ijtc-1512	100	7	)	)	PUNCT
ijtc-1512	100	8	typically	typically	ADV
ijtc-1512	100	9	cover	cover	VERB
ijtc-1512	100	10	most	most	ADJ
ijtc-1512	100	11	credit	credit	NOUN
ijtc-1512	100	12	transfers	transfer	NOUN
ijtc-1512	100	13	,	,	PUNCT
ijtc-1512	100	14	while	while	SCONJ
ijtc-1512	100	15	banks	bank	NOUN
ijtc-1512	100	16	are	be	AUX
ijtc-1512	100	17	introducing	introduce	VERB
ijtc-1512	100	18	the	the	DET
ijtc-1512	100	19	faster	fast	ADJ
ijtc-1512	100	20	payment	payment	NOUN
ijtc-1512	100	21	solution	solution	NOUN
ijtc-1512	100	22	(	(	PUNCT
ijtc-1512	100	23	fps	fps	PROPN
ijtc-1512	100	24	)	)	PUNCT
ijtc-1512	100	25	to	to	PART
ijtc-1512	100	26	expedite	expedite	VERB
ijtc-1512	100	27	payment	payment	NOUN
ijtc-1512	100	28	processing	processing	NOUN
ijtc-1512	100	29	,	,	PUNCT
ijtc-1512	100	30	aiming	aim	VERB
ijtc-1512	100	31	for	for	ADP
ijtc-1512	100	32	transactions	transaction	NOUN
ijtc-1512	100	33	to	to	PART
ijtc-1512	100	34	match	match	VERB
ijtc-1512	100	35	the	the	DET
ijtc-1512	100	36	speed	speed	NOUN
ijtc-1512	100	37	of	of	ADP
ijtc-1512	100	38	incoming	incoming	ADJ
ijtc-1512	100	39	funds	fund	NOUN
ijtc-1512	100	40	.	.	PUNCT
ijtc-1512	101	1	with	with	ADP
ijtc-1512	101	2	the	the	DET
ijtc-1512	101	3	introduction	introduction	NOUN
ijtc-1512	101	4	of	of	ADP
ijtc-1512	101	5	fps	fps	PROPN
ijtc-1512	101	6	,	,	PUNCT
ijtc-1512	101	7	the	the	DET
ijtc-1512	101	8	ctac	ctac	NOUN
ijtc-1512	101	9	,	,	PUNCT
ijtc-1512	101	10	which	which	PRON
ijtc-1512	101	11	usually	usually	ADV
ijtc-1512	101	12	allows	allow	VERB
ijtc-1512	101	13	7	7	NUM
ijtc-1512	101	14	-	-	SYM
ijtc-1512	101	15	9	9	NUM
ijtc-1512	101	16	direct	direct	ADJ
ijtc-1512	101	17	debits	debit	NOUN
ijtc-1512	101	18	,	,	PUNCT
ijtc-1512	101	19	undergoes	undergo	VERB
ijtc-1512	101	20	a	a	DET
ijtc-1512	101	21	review	review	NOUN
ijtc-1512	101	22	to	to	PART
ijtc-1512	101	23	modernize	modernize	VERB
ijtc-1512	101	24	its	its	PRON
ijtc-1512	101	25	operations	operation	NOUN
ijtc-1512	101	26	.	.	PUNCT
ijtc-1512	102	1	another	another	DET
ijtc-1512	102	2	improvement	improvement	NOUN
ijtc-1512	102	3	stems	stem	VERB
ijtc-1512	102	4	from	from	ADP
ijtc-1512	102	5	the	the	DET
ijtc-1512	102	6	national	national	ADJ
ijtc-1512	102	7	clearing	clearing	NOUN
ijtc-1512	102	8	system	system	NOUN
ijtc-1512	102	9	(	(	PUNCT
ijtc-1512	102	10	ncs	ncs	NOUN
ijtc-1512	102	11	)	)	PUNCT
ijtc-1512	102	12	agreement	agreement	NOUN
ijtc-1512	102	13	,	,	PUNCT
ijtc-1512	102	14	a	a	DET
ijtc-1512	102	15	four	four	NUM
ijtc-1512	102	16	-	-	PUNCT
ijtc-1512	102	17	party	party	NOUN
ijtc-1512	102	18	clearing	clearing	NOUN
ijtc-1512	102	19	scheme	scheme	NOUN
ijtc-1512	102	20	implemented	implement	VERB
ijtc-1512	102	21	by	by	ADP
ijtc-1512	102	22	commercial	commercial	ADJ
ijtc-1512	102	23	banks	bank	NOUN
ijtc-1512	102	24	.	.	PUNCT
ijtc-1512	103	1	(	(	PUNCT
ijtc-1512	103	2	kollamparambil	kollamparambil	PROPN
ijtc-1512	103	3	&	&	CCONJ
ijtc-1512	103	4	oyenubi	oyenubi	PROPN
ijtc-1512	103	5	,	,	PUNCT
ijtc-1512	103	6	2021	2021	NUM
ijtc-1512	103	7	;	;	PUNCT
ijtc-1512	103	8	bargain	bargain	NOUN
ijtc-1512	103	9	&	&	CCONJ
ijtc-1512	103	10	aminjonov	aminjonov	PROPN
ijtc-1512	103	11	,	,	PUNCT
ijtc-1512	103	12	2021	2021	NUM
ijtc-1512	103	13	)	)	PUNCT
ijtc-1512	103	14	.	.	PUNCT
ijtc-1512	104	1	many	many	ADJ
ijtc-1512	104	2	businesses	business	NOUN
ijtc-1512	104	3	,	,	PUNCT
ijtc-1512	104	4	nonprofit	nonprofit	ADJ
ijtc-1512	104	5	organizations	organization	NOUN
ijtc-1512	104	6	,	,	PUNCT
ijtc-1512	104	7	and	and	CCONJ
ijtc-1512	104	8	individuals	individual	NOUN
ijtc-1512	104	9	still	still	ADV
ijtc-1512	104	10	depend	depend	VERB
ijtc-1512	104	11	on	on	ADP
ijtc-1512	104	12	cheques	cheque	NOUN
ijtc-1512	104	13	for	for	ADP
ijtc-1512	104	14	part	part	NOUN
ijtc-1512	104	15	,	,	PUNCT
ijtc-1512	104	16	if	if	SCONJ
ijtc-1512	104	17	not	not	PART
ijtc-1512	104	18	all	all	PRON
ijtc-1512	104	19	,	,	PUNCT
ijtc-1512	104	20	of	of	ADP
ijtc-1512	104	21	their	their	PRON
ijtc-1512	104	22	payment	payment	NOUN
ijtc-1512	104	23	and	and	CCONJ
ijtc-1512	104	24	receipt	receipt	NOUN
ijtc-1512	104	25	requirements	requirement	NOUN
ijtc-1512	104	26	.	.	PUNCT
ijtc-1512	105	1	a	a	DET
ijtc-1512	105	2	similar	similar	ADJ
ijtc-1512	105	3	scenario	scenario	NOUN
ijtc-1512	105	4	can	can	AUX
ijtc-1512	105	5	be	be	AUX
ijtc-1512	105	6	anticipated	anticipate	VERB
ijtc-1512	105	7	in	in	ADP
ijtc-1512	105	8	south	south	PROPN
ijtc-1512	105	9	africa	africa	PROPN
ijtc-1512	105	10	,	,	PUNCT
ijtc-1512	105	11	where	where	SCONJ
ijtc-1512	105	12	the	the	DET
ijtc-1512	105	13	relevant	relevant	ADJ
ijtc-1512	105	14	financial	financial	ADJ
ijtc-1512	105	15	institutions	institution	NOUN
ijtc-1512	105	16	have	have	AUX
ijtc-1512	105	17	already	already	ADV
ijtc-1512	105	18	decided	decide	VERB
ijtc-1512	105	19	and	and	CCONJ
ijtc-1512	105	20	commenced	commence	VERB
ijtc-1512	105	21	preparations	preparation	NOUN
ijtc-1512	105	22	to	to	PART
ijtc-1512	105	23	discontinue	discontinue	VERB
ijtc-1512	105	24	the	the	DET
ijtc-1512	105	25	processing	processing	NOUN
ijtc-1512	105	26	and	and	CCONJ
ijtc-1512	105	27	clearing	clearing	NOUN
ijtc-1512	105	28	of	of	ADP
ijtc-1512	105	29	cheques	cheque	NOUN
ijtc-1512	105	30	.	.	PUNCT
ijtc-1512	106	1	the	the	DET
ijtc-1512	106	2	approach	approach	NOUN
ijtc-1512	106	3	of	of	ADP
ijtc-1512	106	4	these	these	DET
ijtc-1512	106	5	institutions	institution	NOUN
ijtc-1512	106	6	is	be	AUX
ijtc-1512	106	7	to	to	PART
ijtc-1512	106	8	discontinue	discontinue	VERB
ijtc-1512	106	9	cheques	cheque	NOUN
ijtc-1512	106	10	in	in	ADP
ijtc-1512	106	11	a	a	DET
ijtc-1512	106	12	phased	phase	VERB
ijtc-1512	106	13	manner	manner	NOUN
ijtc-1512	106	14	.	.	PUNCT
ijtc-1512	107	1	this	this	PRON
ijtc-1512	107	2	is	be	AUX
ijtc-1512	107	3	not	not	PART
ijtc-1512	107	4	so	so	ADV
ijtc-1512	107	5	much	much	ADJ
ijtc-1512	107	6	to	to	PART
ijtc-1512	107	7	ease	ease	VERB
ijtc-1512	107	8	the	the	DET
ijtc-1512	107	9	administrative	administrative	ADJ
ijtc-1512	107	10	burden	burden	NOUN
ijtc-1512	107	11	to	to	ADP
ijtc-1512	107	12	both	both	CCONJ
ijtc-1512	107	13	the	the	DET
ijtc-1512	107	14	financial	financial	ADJ
ijtc-1512	107	15	institutions	institution	NOUN
ijtc-1512	107	16	and	and	CCONJ
ijtc-1512	107	17	their	their	PRON
ijtc-1512	107	18	customers	customer	NOUN
ijtc-1512	107	19	due	due	ADP
ijtc-1512	107	20	to	to	ADP
ijtc-1512	107	21	the	the	DET
ijtc-1512	107	22	elimination	elimination	NOUN
ijtc-1512	107	23	of	of	ADP
ijtc-1512	107	24	cheques	cheque	NOUN
ijtc-1512	107	25	,	,	PUNCT
ijtc-1512	107	26	but	but	CCONJ
ijtc-1512	107	27	rather	rather	ADV
ijtc-1512	107	28	to	to	PART
ijtc-1512	107	29	migrate	migrate	VERB
ijtc-1512	107	30	the	the	DET
ijtc-1512	107	31	customers	customer	NOUN
ijtc-1512	107	32	to	to	PART
ijtc-1512	107	33	alternative	alternative	ADJ
ijtc-1512	107	34	payment	payment	NOUN
ijtc-1512	107	35	and	and	CCONJ
ijtc-1512	107	36	receipt	receipt	NOUN
ijtc-1512	107	37	mechanisms	mechanism	NOUN
ijtc-1512	107	38	,	,	PUNCT
ijtc-1512	107	39	which	which	PRON
ijtc-1512	107	40	they	they	PRON
ijtc-1512	107	41	may	may	AUX
ijtc-1512	107	42	not	not	PART
ijtc-1512	107	43	yet	yet	ADV
ijtc-1512	107	44	be	be	AUX
ijtc-1512	107	45	familiar	familiar	ADJ
ijtc-1512	107	46	with	with	ADP
ijtc-1512	107	47	(	(	PUNCT
ijtc-1512	107	48	cipriani	cipriani	PROPN
ijtc-1512	107	49	et	et	PROPN
ijtc-1512	107	50	al	al	PROPN
ijtc-1512	107	51	.	.	PROPN
ijtc-1512	107	52	,	,	PUNCT
ijtc-1512	107	53	2023	2023	NUM
ijtc-1512	107	54	;	;	PUNCT
ijtc-1512	107	55	gronbach	gronbach	NOUN
ijtc-1512	107	56	et	et	PROPN
ijtc-1512	107	57	al	al	PROPN
ijtc-1512	107	58	.	.	PROPN
ijtc-1512	107	59	,	,	PUNCT
ijtc-1512	107	60	2022	2022	NUM
ijtc-1512	107	61	;	;	PUNCT
ijtc-1512	107	62	li	li	PROPN
ijtc-1512	107	63	,	,	PUNCT
ijtc-1512	107	64	2022	2022	NUM
ijtc-1512	107	65	;	;	PUNCT
ijtc-1512	107	66	santoro	santoro	PROPN
ijtc-1512	107	67	et	et	PROPN
ijtc-1512	107	68	al	al	PROPN
ijtc-1512	107	69	.	.	PROPN
ijtc-1512	107	70	,	,	PUNCT
ijtc-1512	107	71	2022	2022	NUM
ijtc-1512	107	72	;	;	PUNCT
ijtc-1512	107	73	uddin	uddin	PROPN
ijtc-1512	107	74	et	et	PROPN
ijtc-1512	107	75	al	al	PROPN
ijtc-1512	107	76	.	.	PROPN
ijtc-1512	107	77	,	,	PUNCT
ijtc-1512	107	78	2022	2022	NUM
ijtc-1512	107	79	;	;	PUNCT
ijtc-1512	107	80	asah	asah	PROPN
ijtc-1512	107	81	&	&	CCONJ
ijtc-1512	107	82	louw	louw	PROPN
ijtc-1512	107	83	,	,	PUNCT
ijtc-1512	107	84	2021	2021	NUM
ijtc-1512	107	85	)	)	PUNCT
ijtc-1512	107	86	.	.	PUNCT
ijtc-1512	108	1	implementing	implement	VERB
ijtc-1512	108	2	such	such	DET
ijtc-1512	108	3	a	a	DET
ijtc-1512	108	4	strategy	strategy	NOUN
ijtc-1512	108	5	sustainably	sustainably	ADV
ijtc-1512	108	6	holds	hold	VERB
ijtc-1512	108	7	the	the	DET
ijtc-1512	108	8	potential	potential	NOUN
ijtc-1512	108	9	to	to	PART
ijtc-1512	108	10	yield	yield	VERB
ijtc-1512	108	11	valuable	valuable	ADJ
ijtc-1512	108	12	insights	insight	NOUN
ijtc-1512	108	13	for	for	ADP
ijtc-1512	108	14	financial	financial	ADJ
ijtc-1512	108	15	institutions	institution	NOUN
ijtc-1512	108	16	engaging	engage	VERB
ijtc-1512	108	17	in	in	ADP
ijtc-1512	108	18	analogous	analogous	ADJ
ijtc-1512	108	19	discontinuation	discontinuation	NOUN
ijtc-1512	108	20	initiatives	initiative	NOUN
ijtc-1512	108	21	.	.	PUNCT
ijtc-1512	109	1	the	the	DET
ijtc-1512	109	2	efficacy	efficacy	NOUN
ijtc-1512	109	3	of	of	ADP
ijtc-1512	109	4	the	the	DET
ijtc-1512	109	5	discontinuation	discontinuation	NOUN
ijtc-1512	109	6	strategy	strategy	NOUN
ijtc-1512	109	7	hinges	hinge	VERB
ijtc-1512	109	8	significantly	significantly	ADV
ijtc-1512	109	9	upon	upon	SCONJ
ijtc-1512	109	10	the	the	DET
ijtc-1512	109	11	behavioral	behavioral	ADJ
ijtc-1512	109	12	dynamics	dynamic	NOUN
ijtc-1512	109	13	of	of	ADP
ijtc-1512	109	14	the	the	DET
ijtc-1512	109	15	affected	affected	ADJ
ijtc-1512	109	16	clientele	clientele	NOUN
ijtc-1512	109	17	.	.	PUNCT
ijtc-1512	110	1	it	it	PRON
ijtc-1512	110	2	is	be	AUX
ijtc-1512	110	3	imperative	imperative	ADJ
ijtc-1512	110	4	to	to	ADP
ijtc-1512	110	5	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1512	110	6	examining	examine	VERB
ijtc-1512	110	7	the	the	DET
ijtc-1512	110	8	management	management	NOUN
ijtc-1512	110	9	impact	impact	NOUN
ijtc-1512	110	10	:	:	PUNCT
ijtc-1512	110	11	a	a	DET
ijtc-1512	110	12	literature	literature	NOUN
ijtc-1512	110	13	review	review	NOUN
ijtc-1512	110	14	on	on	ADP
ijtc-1512	110	15	the	the	DET
ijtc-1512	110	16	phasing	phasing	NOUN
ijtc-1512	110	17	out	out	ADP
ijtc-1512	110	18	of	of	ADP
ijtc-1512	110	19	cheques	cheque	NOUN
ijtc-1512	110	20	in	in	ADP
ijtc-1512	110	21	south	south	PROPN
ijtc-1512	110	22	africa	africa	PROPN
ijtc-1512	110	23	abrahams	abrahams	PROPN
ijtc-1512	110	24	and	and	CCONJ
ijtc-1512	110	25	pretorius	pretorius	NOUN
ijtc-1512	110	26	6	6	NUM
ijtc-1512	110	27	|	|	ADV
ijtc-1512	110	28	ilomata	ilomata	PROPN
ijtc-1512	110	29	international	international	ADJ
ijtc-1512	110	30	journal	journal	NOUN
ijtc-1512	110	31	of	of	ADP
ijtc-1512	110	32	tax	tax	PROPN
ijtc-1512	110	33	&	&	CCONJ
ijtc-1512	110	34	accounting	accounting	PROPN
ijtc-1512	110	35	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	110	36	recognize	recognize	VERB
ijtc-1512	110	37	that	that	SCONJ
ijtc-1512	110	38	the	the	DET
ijtc-1512	110	39	mechanisms	mechanism	NOUN
ijtc-1512	110	40	and	and	CCONJ
ijtc-1512	110	41	frameworks	framework	NOUN
ijtc-1512	110	42	governing	govern	VERB
ijtc-1512	110	43	these	these	DET
ijtc-1512	110	44	behavioral	behavioral	ADJ
ijtc-1512	110	45	responses	response	NOUN
ijtc-1512	110	46	substantially	substantially	ADV
ijtc-1512	110	47	influence	influence	VERB
ijtc-1512	110	48	the	the	DET
ijtc-1512	110	49	discontinuation	discontinuation	NOUN
ijtc-1512	110	50	strategy	strategy	NOUN
ijtc-1512	110	51	's	's	PART
ijtc-1512	110	52	effectiveness	effectiveness	NOUN
ijtc-1512	110	53	.	.	PUNCT
ijtc-1512	111	1	notably	notably	ADV
ijtc-1512	111	2	,	,	PUNCT
ijtc-1512	111	3	varying	vary	VERB
ijtc-1512	111	4	customer	customer	NOUN
ijtc-1512	111	5	segments	segment	NOUN
ijtc-1512	111	6	exhibit	exhibit	VERB
ijtc-1512	111	7	distinct	distinct	ADJ
ijtc-1512	111	8	behavioral	behavioral	ADJ
ijtc-1512	111	9	tendencies	tendency	NOUN
ijtc-1512	111	10	,	,	PUNCT
ijtc-1512	111	11	underscoring	underscore	VERB
ijtc-1512	111	12	the	the	DET
ijtc-1512	111	13	importance	importance	NOUN
ijtc-1512	111	14	of	of	ADP
ijtc-1512	111	15	tailored	tailor	VERB
ijtc-1512	111	16	management	management	NOUN
ijtc-1512	111	17	approaches	approach	NOUN
ijtc-1512	111	18	to	to	PART
ijtc-1512	111	19	address	address	VERB
ijtc-1512	111	20	their	their	PRON
ijtc-1512	111	21	expectations	expectation	NOUN
ijtc-1512	111	22	.	.	PUNCT
ijtc-1512	112	1	as	as	SCONJ
ijtc-1512	112	2	elucidated	elucidate	VERB
ijtc-1512	112	3	,	,	PUNCT
ijtc-1512	112	4	protracted	protract	VERB
ijtc-1512	112	5	preparation	preparation	NOUN
ijtc-1512	112	6	periods	period	NOUN
ijtc-1512	112	7	coupled	couple	VERB
ijtc-1512	112	8	with	with	ADP
ijtc-1512	112	9	sustained	sustained	ADJ
ijtc-1512	112	10	awareness	awareness	NOUN
ijtc-1512	112	11	initiatives	initiative	NOUN
ijtc-1512	112	12	tend	tend	VERB
ijtc-1512	112	13	to	to	PART
ijtc-1512	112	14	yield	yield	VERB
ijtc-1512	112	15	more	more	ADV
ijtc-1512	112	16	favorable	favorable	ADJ
ijtc-1512	112	17	outcomes	outcome	NOUN
ijtc-1512	112	18	among	among	ADP
ijtc-1512	112	19	customers	customer	NOUN
ijtc-1512	112	20	.	.	PUNCT
ijtc-1512	113	1	managing	manage	VERB
ijtc-1512	113	2	affected	affect	VERB
ijtc-1512	113	3	customers	customer	NOUN
ijtc-1512	113	4	'	'	PART
ijtc-1512	113	5	emotional	emotional	ADJ
ijtc-1512	113	6	reactions	reaction	NOUN
ijtc-1512	113	7	and	and	CCONJ
ijtc-1512	113	8	apprehensions	apprehension	NOUN
ijtc-1512	113	9	throughout	throughout	ADP
ijtc-1512	113	10	the	the	DET
ijtc-1512	113	11	transitional	transitional	ADJ
ijtc-1512	113	12	phase	phase	NOUN
ijtc-1512	113	13	is	be	AUX
ijtc-1512	113	14	paramount	paramount	ADJ
ijtc-1512	113	15	.	.	PUNCT
ijtc-1512	114	1	moreover	moreover	ADV
ijtc-1512	114	2	,	,	PUNCT
ijtc-1512	114	3	enterprises	enterprise	NOUN
ijtc-1512	114	4	must	must	AUX
ijtc-1512	114	5	adapt	adapt	VERB
ijtc-1512	114	6	their	their	PRON
ijtc-1512	114	7	operational	operational	ADJ
ijtc-1512	114	8	frameworks	framework	NOUN
ijtc-1512	114	9	to	to	PART
ijtc-1512	114	10	accommodate	accommodate	VERB
ijtc-1512	114	11	heightened	heightened	ADJ
ijtc-1512	114	12	reliance	reliance	NOUN
ijtc-1512	114	13	on	on	ADP
ijtc-1512	114	14	electronic	electronic	ADJ
ijtc-1512	114	15	processes	process	NOUN
ijtc-1512	114	16	.	.	PUNCT
ijtc-1512	115	1	ensuring	ensure	VERB
ijtc-1512	115	2	uninterrupted	uninterrupted	ADJ
ijtc-1512	115	3	working	work	VERB
ijtc-1512	115	4	capital	capital	NOUN
ijtc-1512	115	5	flow	flow	NOUN
ijtc-1512	115	6	necessitates	necessitate	VERB
ijtc-1512	115	7	formulating	formulate	VERB
ijtc-1512	115	8	and	and	CCONJ
ijtc-1512	115	9	implementing	implement	VERB
ijtc-1512	115	10	robust	robust	ADJ
ijtc-1512	115	11	contingency	contingency	NOUN
ijtc-1512	115	12	plans	plan	NOUN
ijtc-1512	115	13	within	within	ADP
ijtc-1512	115	14	business	business	NOUN
ijtc-1512	115	15	operations	operation	NOUN
ijtc-1512	115	16	(	(	PUNCT
ijtc-1512	115	17	naim	naim	NOUN
ijtc-1512	115	18	,	,	PUNCT
ijtc-1512	115	19	2023	2023	NUM
ijtc-1512	115	20	;	;	PUNCT
ijtc-1512	115	21	janiszewski	janiszewski	PROPN
ijtc-1512	115	22	&	&	CCONJ
ijtc-1512	115	23	laran	laran	NOUN
ijtc-1512	115	24	,	,	PUNCT
ijtc-1512	115	25	2024	2024	NUM
ijtc-1512	115	26	)	)	PUNCT
ijtc-1512	115	27	.	.	PUNCT
ijtc-1512	116	1	electronic	electronic	ADJ
ijtc-1512	116	2	funds	fund	NOUN
ijtc-1512	116	3	transfer	transfer	NOUN
ijtc-1512	116	4	(	(	PUNCT
ijtc-1512	116	5	eft	eft	PROPN
ijtc-1512	116	6	)	)	PUNCT
ijtc-1512	116	7	is	be	AUX
ijtc-1512	116	8	a	a	DET
ijtc-1512	116	9	general	general	ADJ
ijtc-1512	116	10	term	term	NOUN
ijtc-1512	116	11	that	that	PRON
ijtc-1512	116	12	refers	refer	VERB
ijtc-1512	116	13	to	to	ADP
ijtc-1512	116	14	the	the	DET
ijtc-1512	116	15	movement	movement	NOUN
ijtc-1512	116	16	of	of	ADP
ijtc-1512	116	17	funds	fund	NOUN
ijtc-1512	116	18	from	from	ADP
ijtc-1512	116	19	one	one	NUM
ijtc-1512	116	20	account	account	NOUN
ijtc-1512	116	21	to	to	ADP
ijtc-1512	116	22	one	one	NUM
ijtc-1512	116	23	or	or	CCONJ
ijtc-1512	116	24	more	more	ADJ
ijtc-1512	116	25	other	other	ADJ
ijtc-1512	116	26	accounts	account	NOUN
ijtc-1512	116	27	.	.	PUNCT
ijtc-1512	117	1	efts	eft	NOUN
ijtc-1512	117	2	are	be	AUX
ijtc-1512	117	3	commonly	commonly	ADV
ijtc-1512	117	4	used	use	VERB
ijtc-1512	117	5	for	for	ADP
ijtc-1512	117	6	small	small	ADJ
ijtc-1512	117	7	and	and	CCONJ
ijtc-1512	117	8	recurring	recur	VERB
ijtc-1512	117	9	payments	payment	NOUN
ijtc-1512	117	10	,	,	PUNCT
ijtc-1512	117	11	such	such	ADJ
ijtc-1512	117	12	as	as	ADP
ijtc-1512	117	13	paying	pay	VERB
ijtc-1512	117	14	wages	wage	NOUN
ijtc-1512	117	15	or	or	CCONJ
ijtc-1512	117	16	allowing	allow	VERB
ijtc-1512	117	17	members	member	NOUN
ijtc-1512	117	18	to	to	PART
ijtc-1512	117	19	pay	pay	VERB
ijtc-1512	117	20	subscriptions	subscription	NOUN
ijtc-1512	117	21	and	and	CCONJ
ijtc-1512	117	22	make	make	VERB
ijtc-1512	117	23	loan	loan	NOUN
ijtc-1512	117	24	repayments	repayment	NOUN
ijtc-1512	117	25	.	.	PUNCT
ijtc-1512	118	1	there	there	PRON
ijtc-1512	118	2	are	be	VERB
ijtc-1512	118	3	various	various	ADJ
ijtc-1512	118	4	forms	form	NOUN
ijtc-1512	118	5	of	of	ADP
ijtc-1512	118	6	eft	eft	NOUN
ijtc-1512	118	7	,	,	PUNCT
ijtc-1512	118	8	including	include	VERB
ijtc-1512	118	9	bank	bank	NOUN
ijtc-1512	118	10	drafts	draft	NOUN
ijtc-1512	118	11	,	,	PUNCT
ijtc-1512	118	12	wire	wire	NOUN
ijtc-1512	118	13	transfers	transfer	NOUN
ijtc-1512	118	14	,	,	PUNCT
ijtc-1512	118	15	direct	direct	ADJ
ijtc-1512	118	16	deposits	deposit	NOUN
ijtc-1512	118	17	,	,	PUNCT
ijtc-1512	118	18	atm	atm	NOUN
ijtc-1512	118	19	transfers	transfer	NOUN
ijtc-1512	118	20	,	,	PUNCT
ijtc-1512	118	21	and	and	CCONJ
ijtc-1512	118	22	electronic	electronic	ADJ
ijtc-1512	118	23	clearing	clearing	NOUN
ijtc-1512	118	24	or	or	CCONJ
ijtc-1512	118	25	settlement	settlement	NOUN
ijtc-1512	118	26	processes	process	NOUN
ijtc-1512	118	27	such	such	ADJ
ijtc-1512	118	28	as	as	ADP
ijtc-1512	118	29	ach	ach	PROPN
ijtc-1512	118	30	(	(	PUNCT
ijtc-1512	118	31	automated	automate	VERB
ijtc-1512	118	32	clearing	clearing	NOUN
ijtc-1512	118	33	house	house	NOUN
ijtc-1512	118	34	)	)	PUNCT
ijtc-1512	118	35	.	.	PUNCT
ijtc-1512	119	1	the	the	DET
ijtc-1512	119	2	ach	ach	PROPN
ijtc-1512	119	3	is	be	AUX
ijtc-1512	119	4	an	an	DET
ijtc-1512	119	5	electronic	electronic	ADJ
ijtc-1512	119	6	network	network	NOUN
ijtc-1512	119	7	that	that	PRON
ijtc-1512	119	8	processes	process	VERB
ijtc-1512	119	9	large	large	ADJ
ijtc-1512	119	10	volumes	volume	NOUN
ijtc-1512	119	11	of	of	ADP
ijtc-1512	119	12	credit	credit	NOUN
ijtc-1512	119	13	and	and	CCONJ
ijtc-1512	119	14	debit	debit	NOUN
ijtc-1512	119	15	transactions	transaction	NOUN
ijtc-1512	119	16	in	in	ADP
ijtc-1512	119	17	batches	batch	NOUN
ijtc-1512	119	18	.	.	PUNCT
ijtc-1512	120	1	the	the	DET
ijtc-1512	120	2	eft	eft	PROPN
ijtc-1512	120	3	(	(	PUNCT
ijtc-1512	120	4	eftpos	eftpos	NOUN
ijtc-1512	120	5	)	)	PUNCT
ijtc-1512	120	6	electronic	electronic	ADJ
ijtc-1512	120	7	payment	payment	NOUN
ijtc-1512	120	8	system	system	NOUN
ijtc-1512	120	9	allows	allow	VERB
ijtc-1512	120	10	consumers	consumer	NOUN
ijtc-1512	120	11	to	to	PART
ijtc-1512	120	12	conduct	conduct	VERB
ijtc-1512	120	13	financial	financial	ADJ
ijtc-1512	120	14	transactions	transaction	NOUN
ijtc-1512	120	15	using	use	VERB
ijtc-1512	120	16	a	a	DET
ijtc-1512	120	17	debit	debit	NOUN
ijtc-1512	120	18	or	or	CCONJ
ijtc-1512	120	19	credit	credit	NOUN
ijtc-1512	120	20	card	card	NOUN
ijtc-1512	120	21	equipped	equip	VERB
ijtc-1512	120	22	with	with	ADP
ijtc-1512	120	23	a	a	DET
ijtc-1512	120	24	magnetic	magnetic	ADJ
ijtc-1512	120	25	stripe	stripe	NOUN
ijtc-1512	120	26	or	or	CCONJ
ijtc-1512	120	27	chip	chip	NOUN
ijtc-1512	120	28	.	.	PUNCT
ijtc-1512	121	1	the	the	DET
ijtc-1512	121	2	state	state	NOUN
ijtc-1512	121	3	-	-	PUNCT
ijtc-1512	121	4	of	of	ADP
ijtc-1512	121	5	-	-	PUNCT
ijtc-1512	121	6	the	the	DET
ijtc-1512	121	7	-	-	PUNCT
ijtc-1512	121	8	art	art	NOUN
ijtc-1512	121	9	eftpos	eftpos	NOUN
ijtc-1512	121	10	system	system	NOUN
ijtc-1512	121	11	was	be	AUX
ijtc-1512	121	12	patented	patent	VERB
ijtc-1512	121	13	in	in	ADP
ijtc-1512	121	14	1982	1982	NUM
ijtc-1512	121	15	and	and	CCONJ
ijtc-1512	121	16	became	become	VERB
ijtc-1512	121	17	available	available	ADJ
ijtc-1512	121	18	in	in	ADP
ijtc-1512	121	19	australia	australia	PROPN
ijtc-1512	121	20	in	in	ADP
ijtc-1512	121	21	1984	1984	NUM
ijtc-1512	121	22	.	.	PUNCT
ijtc-1512	122	1	eftpos	eftpos	NOUN
ijtc-1512	122	2	payments	payment	NOUN
ijtc-1512	122	3	are	be	AUX
ijtc-1512	122	4	made	make	VERB
ijtc-1512	122	5	at	at	ADP
ijtc-1512	122	6	a	a	DET
ijtc-1512	122	7	peripheral	peripheral	ADJ
ijtc-1512	122	8	device	device	NOUN
ijtc-1512	122	9	specifically	specifically	ADV
ijtc-1512	122	10	designed	design	VERB
ijtc-1512	122	11	to	to	PART
ijtc-1512	122	12	process	process	VERB
ijtc-1512	122	13	card	card	NOUN
ijtc-1512	122	14	purchases	purchase	NOUN
ijtc-1512	122	15	at	at	ADP
ijtc-1512	122	16	retail	retail	ADJ
ijtc-1512	122	17	outlets	outlet	NOUN
ijtc-1512	122	18	and	and	CCONJ
ijtc-1512	122	19	are	be	AUX
ijtc-1512	122	20	accessed	access	VERB
ijtc-1512	122	21	by	by	ADP
ijtc-1512	122	22	the	the	DET
ijtc-1512	122	23	outlets	outlet	NOUN
ijtc-1512	122	24	'	'	PART
ijtc-1512	122	25	customers	customer	NOUN
ijtc-1512	122	26	.	.	PUNCT
ijtc-1512	123	1	solutions	solution	NOUN
ijtc-1512	123	2	have	have	AUX
ijtc-1512	123	3	been	be	AUX
ijtc-1512	123	4	developed	develop	VERB
ijtc-1512	123	5	to	to	PART
ijtc-1512	123	6	enable	enable	VERB
ijtc-1512	123	7	the	the	DET
ijtc-1512	123	8	eftpos	eftpos	NOUN
ijtc-1512	123	9	capabilities	capabilitie	VERB
ijtc-1512	123	10	available	available	ADJ
ijtc-1512	123	11	on	on	ADP
ijtc-1512	123	12	a	a	DET
ijtc-1512	123	13	merchant	merchant	NOUN
ijtc-1512	123	14	's	's	PART
ijtc-1512	123	15	smartphone	smartphone	NOUN
ijtc-1512	123	16	.	.	PUNCT
ijtc-1512	124	1	this	this	PRON
ijtc-1512	124	2	may	may	AUX
ijtc-1512	124	3	enable	enable	VERB
ijtc-1512	124	4	the	the	DET
ijtc-1512	124	5	payment	payment	NOUN
ijtc-1512	124	6	on	on	ADP
ijtc-1512	124	7	a	a	DET
ijtc-1512	124	8	customer	customer	NOUN
ijtc-1512	124	9	's	's	PART
ijtc-1512	124	10	mobile	mobile	ADJ
ijtc-1512	124	11	phone	phone	NOUN
ijtc-1512	124	12	.	.	PUNCT
ijtc-1512	125	1	australia	australia	PROPN
ijtc-1512	125	2	has	have	AUX
ijtc-1512	125	3	placed	place	VERB
ijtc-1512	125	4	an	an	DET
ijtc-1512	125	5	opportunity	opportunity	NOUN
ijtc-1512	125	6	for	for	ADP
ijtc-1512	125	7	growth	growth	NOUN
ijtc-1512	125	8	in	in	ADP
ijtc-1512	125	9	eftpos	eftpos	NOUN
ijtc-1512	125	10	systems	system	NOUN
ijtc-1512	125	11	in	in	ADP
ijtc-1512	125	12	the	the	DET
ijtc-1512	125	13	future	future	NOUN
ijtc-1512	125	14	.	.	PUNCT
ijtc-1512	126	1	a	a	DET
ijtc-1512	126	2	real	real	ADJ
ijtc-1512	126	3	-	-	PUNCT
ijtc-1512	126	4	time	time	NOUN
ijtc-1512	126	5	transfer	transfer	NOUN
ijtc-1512	126	6	of	of	ADP
ijtc-1512	126	7	funds	fund	NOUN
ijtc-1512	126	8	can	can	AUX
ijtc-1512	126	9	signify	signify	VERB
ijtc-1512	126	10	the	the	DET
ijtc-1512	126	11	realization	realization	NOUN
ijtc-1512	126	12	of	of	ADP
ijtc-1512	126	13	convenient	convenient	ADJ
ijtc-1512	126	14	cash	cash	NOUN
ijtc-1512	126	15	equity	equity	NOUN
ijtc-1512	126	16	,	,	PUNCT
ijtc-1512	126	17	cash	cash	NOUN
ijtc-1512	126	18	analysis	analysis	NOUN
ijtc-1512	126	19	,	,	PUNCT
ijtc-1512	126	20	and	and	CCONJ
ijtc-1512	126	21	real	real	ADJ
ijtc-1512	126	22	-	-	PUNCT
ijtc-1512	126	23	time	time	NOUN
ijtc-1512	126	24	settlement	settlement	NOUN
ijtc-1512	126	25	.	.	PUNCT
ijtc-1512	127	1	in	in	ADP
ijtc-1512	127	2	south	south	PROPN
ijtc-1512	127	3	africa	africa	PROPN
ijtc-1512	127	4	,	,	PUNCT
ijtc-1512	127	5	efforts	effort	NOUN
ijtc-1512	127	6	are	be	AUX
ijtc-1512	127	7	underway	underway	ADJ
ijtc-1512	127	8	to	to	PART
ijtc-1512	127	9	achieve	achieve	VERB
ijtc-1512	127	10	this	this	PRON
ijtc-1512	127	11	for	for	ADP
ijtc-1512	127	12	certain	certain	ADJ
ijtc-1512	127	13	transactions	transaction	NOUN
ijtc-1512	127	14	.	.	PUNCT
ijtc-1512	128	1	for	for	ADP
ijtc-1512	128	2	instance	instance	NOUN
ijtc-1512	128	3	,	,	PUNCT
ijtc-1512	128	4	the	the	DET
ijtc-1512	128	5	johannesburg	johannesburg	PROPN
ijtc-1512	128	6	stock	stock	PROPN
ijtc-1512	128	7	exchange	exchange	PROPN
ijtc-1512	128	8	's	's	PART
ijtc-1512	128	9	strate	strate	PROPN
ijtc-1512	128	10	csd	csd	PROPN
ijtc-1512	128	11	and	and	CCONJ
ijtc-1512	128	12	the	the	DET
ijtc-1512	128	13	south	south	ADJ
ijtc-1512	128	14	african	african	PROPN
ijtc-1512	128	15	reserve	reserve	PROPN
ijtc-1512	128	16	bank	bank	PROPN
ijtc-1512	128	17	's	's	PART
ijtc-1512	128	18	sarb	sarb	NOUN
ijtc-1512	128	19	-	-	NOUN
ijtc-1512	128	20	rtgs	rtgs	NOUN
ijtc-1512	128	21	are	be	AUX
ijtc-1512	128	22	involved	involve	VERB
ijtc-1512	128	23	,	,	PUNCT
ijtc-1512	128	24	with	with	SCONJ
ijtc-1512	128	25	over	over	ADP
ijtc-1512	128	26	70	70	NUM
ijtc-1512	128	27	south	south	ADJ
ijtc-1512	128	28	african	african	ADJ
ijtc-1512	128	29	banks	bank	NOUN
ijtc-1512	128	30	and	and	CCONJ
ijtc-1512	128	31	other	other	ADJ
ijtc-1512	128	32	financial	financial	ADJ
ijtc-1512	128	33	institutions	institution	NOUN
ijtc-1512	128	34	being	be	AUX
ijtc-1512	128	35	authorized	authorize	VERB
ijtc-1512	128	36	users	user	NOUN
ijtc-1512	128	37	of	of	ADP
ijtc-1512	128	38	the	the	DET
ijtc-1512	128	39	sarb	sarb	PROPN
ijtc-1512	128	40	-	-	ADJ
ijtc-1512	128	41	rtgs	rtgs	NOUN
ijtc-1512	128	42	system	system	NOUN
ijtc-1512	128	43	.	.	PUNCT
ijtc-1512	129	1	additionally	additionally	ADV
ijtc-1512	129	2	,	,	PUNCT
ijtc-1512	129	3	transactions	transaction	NOUN
ijtc-1512	129	4	involving	involve	VERB
ijtc-1512	129	5	25	25	NUM
ijtc-1512	129	6	automatic	automatic	ADJ
ijtc-1512	129	7	clearing	clearing	NOUN
ijtc-1512	129	8	bureau	bureau	NOUN
ijtc-1512	129	9	(	(	PUNCT
ijtc-1512	129	10	acbs	acbs	NOUN
ijtc-1512	129	11	)	)	PUNCT
ijtc-1512	129	12	,	,	PUNCT
ijtc-1512	129	13	such	such	ADJ
ijtc-1512	129	14	as	as	ADP
ijtc-1512	129	15	the	the	DET
ijtc-1512	129	16	south	south	ADJ
ijtc-1512	129	17	african	african	PROPN
ijtc-1512	129	18	postbank	postbank	PROPN
ijtc-1512	129	19	,	,	PUNCT
ijtc-1512	129	20	are	be	AUX
ijtc-1512	129	21	facilitated	facilitate	VERB
ijtc-1512	129	22	via	via	ADP
ijtc-1512	129	23	the	the	DET
ijtc-1512	129	24	strate	strate	PROPN
ijtc-1512	129	25	csd	csd	PROPN
ijtc-1512	129	26	.	.	PUNCT
ijtc-1512	130	1	an	an	DET
ijtc-1512	130	2	intriguing	intriguing	ADJ
ijtc-1512	130	3	advancement	advancement	NOUN
ijtc-1512	130	4	in	in	ADP
ijtc-1512	130	5	the	the	DET
ijtc-1512	130	6	electronic	electronic	ADJ
ijtc-1512	130	7	fund	fund	NOUN
ijtc-1512	130	8	transfer	transfer	NOUN
ijtc-1512	130	9	realm	realm	NOUN
ijtc-1512	130	10	is	be	AUX
ijtc-1512	130	11	utilizing	utilize	VERB
ijtc-1512	130	12	blockchain	blockchain	PROPN
ijtc-1512	130	13	technology	technology	PROPN
ijtc-1512	130	14	.	.	PUNCT
ijtc-1512	131	1	blockchain	blockchain	PROPN
ijtc-1512	131	2	,	,	PUNCT
ijtc-1512	131	3	known	know	VERB
ijtc-1512	131	4	for	for	ADP
ijtc-1512	131	5	underpinning	underpin	VERB
ijtc-1512	131	6	bitcoin	bitcoin	NOUN
ijtc-1512	131	7	,	,	PUNCT
ijtc-1512	131	8	finds	find	VERB
ijtc-1512	131	9	application	application	NOUN
ijtc-1512	131	10	in	in	ADP
ijtc-1512	131	11	digital	digital	ADJ
ijtc-1512	131	12	currency	currency	NOUN
ijtc-1512	131	13	,	,	PUNCT
ijtc-1512	131	14	reminiscent	reminiscent	ADJ
ijtc-1512	131	15	of	of	ADP
ijtc-1512	131	16	the	the	DET
ijtc-1512	131	17	electronic	electronic	ADJ
ijtc-1512	131	18	funds	fund	NOUN
ijtc-1512	131	19	transfer	transfer	NOUN
ijtc-1512	131	20	(	(	PUNCT
ijtc-1512	131	21	eft	eft	NOUN
ijtc-1512	131	22	)	)	PUNCT
ijtc-1512	131	23	mechanism	mechanism	NOUN
ijtc-1512	131	24	using	use	VERB
ijtc-1512	131	25	bearer	bearer	NOUN
ijtc-1512	131	26	instruments	instrument	NOUN
ijtc-1512	131	27	like	like	ADP
ijtc-1512	131	28	cheques	cheque	NOUN
ijtc-1512	131	29	.	.	PUNCT
ijtc-1512	132	1	the	the	DET
ijtc-1512	132	2	potential	potential	ADJ
ijtc-1512	132	3	applications	application	NOUN
ijtc-1512	132	4	of	of	ADP
ijtc-1512	132	5	blockchain	blockchain	PROPN
ijtc-1512	132	6	are	be	AUX
ijtc-1512	132	7	vast	vast	ADJ
ijtc-1512	132	8	,	,	PUNCT
ijtc-1512	132	9	and	and	CCONJ
ijtc-1512	132	10	future	future	ADJ
ijtc-1512	132	11	developments	development	NOUN
ijtc-1512	132	12	and	and	CCONJ
ijtc-1512	132	13	integrations	integration	NOUN
ijtc-1512	132	14	into	into	ADP
ijtc-1512	132	15	daily	daily	ADJ
ijtc-1512	132	16	transactions	transaction	NOUN
ijtc-1512	132	17	could	could	AUX
ijtc-1512	132	18	reduce	reduce	VERB
ijtc-1512	132	19	reliance	reliance	NOUN
ijtc-1512	132	20	on	on	ADP
ijtc-1512	132	21	general	general	ADJ
ijtc-1512	132	22	bearer	bearer	NOUN
ijtc-1512	132	23	instruments	instrument	NOUN
ijtc-1512	132	24	like	like	ADP
ijtc-1512	132	25	cheques	cheque	NOUN
ijtc-1512	132	26	.	.	PUNCT
ijtc-1512	133	1	through	through	ADP
ijtc-1512	133	2	consensus	consensus	NOUN
ijtc-1512	133	3	mechanisms	mechanism	NOUN
ijtc-1512	133	4	,	,	PUNCT
ijtc-1512	133	5	blockchain	blockchain	PROPN
ijtc-1512	133	6	can	can	AUX
ijtc-1512	133	7	replace	replace	VERB
ijtc-1512	133	8	individual	individual	ADJ
ijtc-1512	133	9	intermediaries	intermediary	NOUN
ijtc-1512	133	10	or	or	CCONJ
ijtc-1512	133	11	auditing	auditing	NOUN
ijtc-1512	133	12	groups	group	NOUN
ijtc-1512	133	13	,	,	PUNCT
ijtc-1512	133	14	ensuring	ensure	VERB
ijtc-1512	133	15	fiat	fiat	ADJ
ijtc-1512	133	16	currency	currency	NOUN
ijtc-1512	133	17	transfers	transfer	NOUN
ijtc-1512	133	18	meet	meet	VERB
ijtc-1512	133	19	the	the	DET
ijtc-1512	133	20	necessary	necessary	ADJ
ijtc-1512	133	21	criteria	criterion	NOUN
ijtc-1512	133	22	.	.	PUNCT
ijtc-1512	134	1	three	three	NUM
ijtc-1512	134	2	dimensions	dimension	NOUN
ijtc-1512	134	3	eft	eft	NOUN
ijtc-1512	134	4	,	,	PUNCT
ijtc-1512	134	5	equity	equity	NOUN
ijtc-1512	134	6	,	,	PUNCT
ijtc-1512	134	7	and	and	CCONJ
ijtc-1512	134	8	settlement	settlement	NOUN
ijtc-1512	134	9	interact	interact	VERB
ijtc-1512	134	10	to	to	PART
ijtc-1512	134	11	provide	provide	VERB
ijtc-1512	134	12	the	the	DET
ijtc-1512	134	13	regularity	regularity	NOUN
ijtc-1512	134	14	of	of	ADP
ijtc-1512	134	15	electronic	electronic	ADJ
ijtc-1512	134	16	value	value	NOUN
ijtc-1512	134	17	transfers	transfer	NOUN
ijtc-1512	134	18	(	(	PUNCT
ijtc-1512	134	19	bisht	bisht	PROPN
ijtc-1512	134	20	et	et	PROPN
ijtc-1512	134	21	al	al	PROPN
ijtc-1512	134	22	.	.	PROPN
ijtc-1512	134	23	,	,	PUNCT
ijtc-1512	134	24	2022	2022	NUM
ijtc-1512	134	25	;	;	PUNCT
ijtc-1512	134	26	gentilini	gentilini	NOUN
ijtc-1512	134	27	,	,	PUNCT
ijtc-1512	134	28	2022	2022	NUM
ijtc-1512	134	29	;	;	PUNCT
ijtc-1512	134	30	mhlanga	mhlanga	PROPN
ijtc-1512	134	31	,	,	PUNCT
ijtc-1512	134	32	2023	2023	NUM
ijtc-1512	134	33	)	)	PUNCT
ijtc-1512	134	34	.	.	PUNCT
ijtc-1512	135	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1512	135	2	examining	examine	VERB
ijtc-1512	135	3	the	the	DET
ijtc-1512	135	4	management	management	NOUN
ijtc-1512	135	5	impact	impact	NOUN
ijtc-1512	135	6	:	:	PUNCT
ijtc-1512	135	7	a	a	DET
ijtc-1512	135	8	literature	literature	NOUN
ijtc-1512	135	9	review	review	NOUN
ijtc-1512	135	10	on	on	ADP
ijtc-1512	135	11	the	the	DET
ijtc-1512	135	12	phasing	phasing	NOUN
ijtc-1512	135	13	out	out	ADP
ijtc-1512	135	14	of	of	ADP
ijtc-1512	135	15	cheques	cheque	NOUN
ijtc-1512	135	16	in	in	ADP
ijtc-1512	135	17	south	south	PROPN
ijtc-1512	135	18	africa	africa	PROPN
ijtc-1512	135	19	abrahams	abrahams	PROPN
ijtc-1512	135	20	and	and	CCONJ
ijtc-1512	135	21	pretorius	pretorius	NOUN
ijtc-1512	135	22	7	7	NUM
ijtc-1512	135	23	|	|	ADV
ijtc-1512	135	24	ilomata	ilomata	PROPN
ijtc-1512	135	25	international	international	ADJ
ijtc-1512	135	26	journal	journal	NOUN
ijtc-1512	135	27	of	of	ADP
ijtc-1512	135	28	tax	tax	PROPN
ijtc-1512	135	29	&	&	CCONJ
ijtc-1512	135	30	accounting	account	VERB
ijtc-1512	135	31	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	135	32	mobile	mobile	ADJ
ijtc-1512	135	33	payments	payment	NOUN
ijtc-1512	135	34	are	be	AUX
ijtc-1512	135	35	digital	digital	ADJ
ijtc-1512	135	36	payments	payment	NOUN
ijtc-1512	135	37	processed	process	VERB
ijtc-1512	135	38	over	over	ADP
ijtc-1512	135	39	the	the	DET
ijtc-1512	135	40	mobile	mobile	ADJ
ijtc-1512	135	41	network	network	NOUN
ijtc-1512	135	42	that	that	PRON
ijtc-1512	135	43	do	do	AUX
ijtc-1512	135	44	not	not	PART
ijtc-1512	135	45	pass	pass	VERB
ijtc-1512	135	46	through	through	ADP
ijtc-1512	135	47	bank	bank	NOUN
ijtc-1512	135	48	clearing	clearing	NOUN
ijtc-1512	135	49	systems	system	NOUN
ijtc-1512	135	50	.	.	PUNCT
ijtc-1512	136	1	transactions	transaction	NOUN
ijtc-1512	136	2	may	may	AUX
ijtc-1512	136	3	be	be	AUX
ijtc-1512	136	4	cleared	clear	VERB
ijtc-1512	136	5	in	in	ADP
ijtc-1512	136	6	peer	peer	NOUN
ijtc-1512	136	7	-	-	PUNCT
ijtc-1512	136	8	to	to	ADP
ijtc-1512	136	9	-	-	PUNCT
ijtc-1512	136	10	peer	peer	NOUN
ijtc-1512	136	11	or	or	CCONJ
ijtc-1512	136	12	real	real	ADJ
ijtc-1512	136	13	-	-	PUNCT
ijtc-1512	136	14	time	time	NOUN
ijtc-1512	136	15	payments	payment	NOUN
ijtc-1512	136	16	,	,	PUNCT
ijtc-1512	136	17	between	between	ADP
ijtc-1512	136	18	consumers	consumer	NOUN
ijtc-1512	136	19	and	and	CCONJ
ijtc-1512	136	20	internet	internet	NOUN
ijtc-1512	136	21	merchants	merchant	NOUN
ijtc-1512	136	22	,	,	PUNCT
ijtc-1512	136	23	and	and	CCONJ
ijtc-1512	136	24	for	for	ADP
ijtc-1512	136	25	in	in	ADP
ijtc-1512	136	26	-	-	PUNCT
ijtc-1512	136	27	store	store	NOUN
ijtc-1512	136	28	,	,	PUNCT
ijtc-1512	136	29	proximity	proximity	NOUN
ijtc-1512	136	30	and	and	CCONJ
ijtc-1512	136	31	mpos	mpos	NOUN
ijtc-1512	136	32	purchases	purchase	NOUN
ijtc-1512	136	33	.	.	PUNCT
ijtc-1512	137	1	mobile	mobile	ADJ
ijtc-1512	137	2	payments	payment	NOUN
ijtc-1512	137	3	can	can	AUX
ijtc-1512	137	4	be	be	AUX
ijtc-1512	137	5	subdivided	subdivide	VERB
ijtc-1512	137	6	into	into	ADP
ijtc-1512	137	7	basic	basic	ADJ
ijtc-1512	137	8	,	,	PUNCT
ijtc-1512	137	9	sme	sme	ADJ
ijtc-1512	137	10	and	and	CCONJ
ijtc-1512	137	11	large	large	ADJ
ijtc-1512	137	12	corporate	corporate	ADJ
ijtc-1512	137	13	payments	payment	NOUN
ijtc-1512	137	14	.	.	PUNCT
ijtc-1512	138	1	the	the	DET
ijtc-1512	138	2	lowest	low	ADJ
ijtc-1512	138	3	-	-	PUNCT
ijtc-1512	138	4	value	value	NOUN
ijtc-1512	138	5	transactions	transaction	NOUN
ijtc-1512	138	6	are	be	AUX
ijtc-1512	138	7	basic	basic	ADJ
ijtc-1512	138	8	payments	payment	NOUN
ijtc-1512	138	9	,	,	PUNCT
ijtc-1512	138	10	while	while	SCONJ
ijtc-1512	138	11	sme	sme	NOUN
ijtc-1512	138	12	and	and	CCONJ
ijtc-1512	138	13	large	large	ADJ
ijtc-1512	138	14	corporate	corporate	ADJ
ijtc-1512	138	15	payments	payment	NOUN
ijtc-1512	138	16	account	account	VERB
ijtc-1512	138	17	per	per	ADP
ijtc-1512	138	18	unit	unit	NOUN
ijtc-1512	138	19	for	for	ADP
ijtc-1512	138	20	the	the	DET
ijtc-1512	138	21	highest	high	ADJ
ijtc-1512	138	22	and	and	CCONJ
ijtc-1512	138	23	second	second	ADV
ijtc-1512	138	24	-	-	PUNCT
ijtc-1512	138	25	highest	high	ADJ
ijtc-1512	138	26	-	-	PUNCT
ijtc-1512	138	27	value	value	NOUN
ijtc-1512	138	28	transactions	transaction	NOUN
ijtc-1512	138	29	,	,	PUNCT
ijtc-1512	138	30	respectively	respectively	ADV
ijtc-1512	138	31	.	.	PUNCT
ijtc-1512	139	1	mobile	mobile	ADJ
ijtc-1512	139	2	payments	payment	NOUN
ijtc-1512	139	3	can	can	AUX
ijtc-1512	139	4	be	be	AUX
ijtc-1512	139	5	used	use	VERB
ijtc-1512	139	6	to	to	PART
ijtc-1512	139	7	buy	buy	VERB
ijtc-1512	139	8	goods	good	NOUN
ijtc-1512	139	9	and	and	CCONJ
ijtc-1512	139	10	services	service	NOUN
ijtc-1512	139	11	,	,	PUNCT
ijtc-1512	139	12	and	and	CCONJ
ijtc-1512	139	13	there	there	PRON
ijtc-1512	139	14	are	be	VERB
ijtc-1512	139	15	advanced	advanced	ADJ
ijtc-1512	139	16	mobile	mobile	ADJ
ijtc-1512	139	17	person	person	NOUN
ijtc-1512	139	18	-	-	PUNCT
ijtc-1512	139	19	to	to	ADP
ijtc-1512	139	20	-	-	PUNCT
ijtc-1512	139	21	person	person	NOUN
ijtc-1512	139	22	(	(	PUNCT
ijtc-1512	139	23	p2p	p2p	NOUN
ijtc-1512	139	24	)	)	PUNCT
ijtc-1512	139	25	services	service	NOUN
ijtc-1512	139	26	if	if	SCONJ
ijtc-1512	139	27	the	the	DET
ijtc-1512	139	28	recipient	recipient	NOUN
ijtc-1512	139	29	has	have	VERB
ijtc-1512	139	30	a	a	DET
ijtc-1512	139	31	bank	bank	NOUN
ijtc-1512	139	32	account	account	NOUN
ijtc-1512	139	33	,	,	PUNCT
ijtc-1512	139	34	the	the	DET
ijtc-1512	139	35	same	same	ADJ
ijtc-1512	139	36	bank	bank	NOUN
ijtc-1512	139	37	as	as	ADP
ijtc-1512	139	38	the	the	DET
ijtc-1512	139	39	sender	sender	NOUN
ijtc-1512	139	40	,	,	PUNCT
ijtc-1512	139	41	or	or	CCONJ
ijtc-1512	139	42	a	a	DET
ijtc-1512	139	43	different	different	ADJ
ijtc-1512	139	44	bank	bank	NOUN
ijtc-1512	139	45	from	from	ADP
ijtc-1512	139	46	the	the	DET
ijtc-1512	139	47	sender	sender	NOUN
ijtc-1512	139	48	.	.	PUNCT
ijtc-1512	140	1	these	these	DET
ijtc-1512	140	2	transactions	transaction	NOUN
ijtc-1512	140	3	occur	occur	VERB
ijtc-1512	140	4	in	in	ADP
ijtc-1512	140	5	various	various	ADJ
ijtc-1512	140	6	clearing	clearing	NOUN
ijtc-1512	140	7	times	time	NOUN
ijtc-1512	140	8	,	,	PUNCT
ijtc-1512	140	9	such	such	ADJ
ijtc-1512	140	10	as	as	ADP
ijtc-1512	140	11	real	real	ADJ
ijtc-1512	140	12	-	-	PUNCT
ijtc-1512	140	13	time	time	NOUN
ijtc-1512	140	14	payments	payment	NOUN
ijtc-1512	140	15	,	,	PUNCT
ijtc-1512	140	16	two	two	NUM
ijtc-1512	140	17	-	-	PUNCT
ijtc-1512	140	18	hour	hour	NOUN
ijtc-1512	140	19	payments	payment	NOUN
ijtc-1512	140	20	to	to	ADP
ijtc-1512	140	21	the	the	DET
ijtc-1512	140	22	same	same	ADJ
ijtc-1512	140	23	-	-	PUNCT
ijtc-1512	140	24	bank	bank	NOUN
ijtc-1512	140	25	recipient	recipient	NOUN
ijtc-1512	140	26	,	,	PUNCT
ijtc-1512	140	27	and	and	CCONJ
ijtc-1512	140	28	next	next	ADJ
ijtc-1512	140	29	-	-	PUNCT
ijtc-1512	140	30	day	day	NOUN
ijtc-1512	140	31	payments	payment	NOUN
ijtc-1512	140	32	to	to	ADP
ijtc-1512	140	33	a	a	DET
ijtc-1512	140	34	different	different	ADJ
ijtc-1512	140	35	-	-	PUNCT
ijtc-1512	140	36	bank	bank	NOUN
ijtc-1512	140	37	recipient	recipient	NOUN
ijtc-1512	140	38	(	(	PUNCT
ijtc-1512	140	39	rba	rba	NOUN
ijtc-1512	140	40	,	,	PUNCT
ijtc-1512	140	41	2019	2019	NUM
ijtc-1512	140	42	)	)	PUNCT
ijtc-1512	140	43	.	.	PUNCT
ijtc-1512	141	1	real	real	ADJ
ijtc-1512	141	2	-	-	PUNCT
ijtc-1512	141	3	time	time	NOUN
ijtc-1512	141	4	payments	payment	NOUN
ijtc-1512	141	5	are	be	AUX
ijtc-1512	141	6	the	the	DET
ijtc-1512	141	7	most	most	ADV
ijtc-1512	141	8	common	common	ADJ
ijtc-1512	141	9	mobile	mobile	ADJ
ijtc-1512	141	10	payments	payment	NOUN
ijtc-1512	141	11	.	.	PUNCT
ijtc-1512	142	1	(	(	PUNCT
ijtc-1512	142	2	pairman	pairman	NOUN
ijtc-1512	142	3	&	&	CCONJ
ijtc-1512	142	4	sanggita	sanggita	PROPN
ijtc-1512	142	5	,	,	PUNCT
ijtc-1512	142	6	2021	2021	NUM
ijtc-1512	142	7	;	;	PUNCT
ijtc-1512	142	8	regragui	regragui	VERB
ijtc-1512	142	9	,	,	PUNCT
ijtc-1512	142	10	2022	2022	NUM
ijtc-1512	142	11	;	;	PUNCT
ijtc-1512	142	12	jean	jean	PROPN
ijtc-1512	142	13	pierre	pierre	PROPN
ijtc-1512	142	14	&	&	CCONJ
ijtc-1512	142	15	mombeuil	mombeuil	PROPN
ijtc-1512	142	16	,	,	PUNCT
ijtc-1512	142	17	2023	2023	NUM
ijtc-1512	142	18	;	;	PUNCT
ijtc-1512	142	19	afeti	afeti	PROPN
ijtc-1512	142	20	&	&	CCONJ
ijtc-1512	142	21	amanfo	amanfo	PROPN
ijtc-1512	142	22	,	,	PUNCT
ijtc-1512	142	23	2021	2021	NUM
ijtc-1512	142	24	;	;	PUNCT
ijtc-1512	142	25	mahakittikun	mahakittikun	NOUN
ijtc-1512	142	26	,	,	PUNCT
ijtc-1512	142	27	2020	2020	NUM
ijtc-1512	142	28	;	;	PUNCT
ijtc-1512	142	29	xu	xu	PROPN
ijtc-1512	142	30	&	&	CCONJ
ijtc-1512	142	31	gao	gao	PROPN
ijtc-1512	142	32	,	,	PUNCT
ijtc-1512	142	33	2021	2021	NUM
ijtc-1512	142	34	;	;	PUNCT
ijtc-1512	142	35	moonde	moonde	NOUN
ijtc-1512	142	36	,	,	PUNCT
ijtc-1512	142	37	2023	2023	NUM
ijtc-1512	142	38	)	)	PUNCT
ijtc-1512	142	39	.	.	PUNCT
ijtc-1512	143	1	in	in	ADP
ijtc-1512	143	2	south	south	PROPN
ijtc-1512	143	3	africa	africa	PROPN
ijtc-1512	143	4	,	,	PUNCT
ijtc-1512	143	5	the	the	DET
ijtc-1512	143	6	majority	majority	NOUN
ijtc-1512	143	7	of	of	ADP
ijtc-1512	143	8	those	those	PRON
ijtc-1512	143	9	without	without	ADP
ijtc-1512	143	10	bank	bank	NOUN
ijtc-1512	143	11	accounts	account	NOUN
ijtc-1512	143	12	are	be	AUX
ijtc-1512	143	13	unbanked	unbanked	ADJ
ijtc-1512	143	14	people	people	NOUN
ijtc-1512	143	15	and	and	CCONJ
ijtc-1512	143	16	youth	youth	NOUN
ijtc-1512	143	17	in	in	ADP
ijtc-1512	143	18	the	the	DET
ijtc-1512	143	19	informal	informal	ADJ
ijtc-1512	143	20	sector	sector	NOUN
ijtc-1512	143	21	receiving	receive	VERB
ijtc-1512	143	22	wages	wage	NOUN
ijtc-1512	143	23	and	and	CCONJ
ijtc-1512	143	24	sending	send	VERB
ijtc-1512	143	25	remittances	remittance	NOUN
ijtc-1512	143	26	.	.	PUNCT
ijtc-1512	144	1	these	these	DET
ijtc-1512	144	2	various	various	ADJ
ijtc-1512	144	3	types	type	NOUN
ijtc-1512	144	4	of	of	ADP
ijtc-1512	144	5	mobiles	mobile	NOUN
ijtc-1512	144	6	money	money	NOUN
ijtc-1512	144	7	solutions	solution	NOUN
ijtc-1512	144	8	are	be	AUX
ijtc-1512	144	9	categorized	categorize	VERB
ijtc-1512	144	10	as	as	SCONJ
ijtc-1512	144	11	follows	follow	VERB
ijtc-1512	144	12	:	:	PUNCT
ijtc-1512	144	13	(	(	PUNCT
ijtc-1512	144	14	1	1	X
ijtc-1512	144	15	)	)	PUNCT
ijtc-1512	144	16	centered	center	VERB
ijtc-1512	144	17	traditional	traditional	ADJ
ijtc-1512	144	18	banking	banking	NOUN
ijtc-1512	144	19	,	,	PUNCT
ijtc-1512	144	20	(	(	PUNCT
ijtc-1512	144	21	2	2	X
ijtc-1512	144	22	)	)	PUNCT
ijtc-1512	144	23	telecommunication	telecommunication	NOUN
ijtc-1512	144	24	company	company	NOUN
ijtc-1512	144	25	(	(	PUNCT
ijtc-1512	144	26	telco)–bank	telco)–bank	NUM
ijtc-1512	144	27	partnership	partnership	NOUN
ijtc-1512	144	28	solutions	solution	NOUN
ijtc-1512	144	29	,	,	PUNCT
ijtc-1512	144	30	(	(	PUNCT
ijtc-1512	144	31	3	3	X
ijtc-1512	144	32	)	)	PUNCT
ijtc-1512	144	33	partnerships	partnership	NOUN
ijtc-1512	144	34	between	between	ADP
ijtc-1512	144	35	banks	bank	NOUN
ijtc-1512	144	36	and	and	CCONJ
ijtc-1512	144	37	the	the	DET
ijtc-1512	144	38	retail	retail	ADJ
ijtc-1512	144	39	sector	sector	NOUN
ijtc-1512	144	40	,	,	PUNCT
ijtc-1512	144	41	and	and	CCONJ
ijtc-1512	144	42	(	(	PUNCT
ijtc-1512	144	43	4	4	X
ijtc-1512	144	44	)	)	PUNCT
ijtc-1512	144	45	retail	retail	ADJ
ijtc-1512	144	46	sector	sector	NOUN
ijtc-1512	144	47	/	/	SYM
ijtc-1512	144	48	supermarket	supermarket	NOUN
ijtc-1512	144	49	.	.	PUNCT
ijtc-1512	145	1	over	over	ADP
ijtc-1512	145	2	the	the	DET
ijtc-1512	145	3	last	last	ADJ
ijtc-1512	145	4	decade	decade	NOUN
ijtc-1512	145	5	,	,	PUNCT
ijtc-1512	145	6	mobile	mobile	ADJ
ijtc-1512	145	7	payments	payment	NOUN
ijtc-1512	145	8	using	use	VERB
ijtc-1512	145	9	airtime	airtime	NOUN
ijtc-1512	145	10	,	,	PUNCT
ijtc-1512	145	11	electronic	electronic	ADJ
ijtc-1512	145	12	fund	fund	NOUN
ijtc-1512	145	13	transfers	transfer	NOUN
ijtc-1512	145	14	,	,	PUNCT
ijtc-1512	145	15	telco	telco	NOUN
ijtc-1512	145	16	–	–	PUNCT
ijtc-1512	145	17	bank	bank	NOUN
ijtc-1512	145	18	cross	cross	ADJ
ijtc-1512	145	19	-	-	ADJ
ijtc-1512	145	20	selling	selling	ADJ
ijtc-1512	145	21	agreements	agreement	NOUN
ijtc-1512	145	22	,	,	PUNCT
ijtc-1512	145	23	and	and	CCONJ
ijtc-1512	145	24	bank	bank	NOUN
ijtc-1512	145	25	-	-	PUNCT
ijtc-1512	145	26	driven	drive	VERB
ijtc-1512	145	27	mobile	mobile	ADJ
ijtc-1512	145	28	applications	application	NOUN
ijtc-1512	145	29	have	have	AUX
ijtc-1512	145	30	quickly	quickly	ADV
ijtc-1512	145	31	grown	grow	VERB
ijtc-1512	145	32	in	in	ADP
ijtc-1512	145	33	south	south	PROPN
ijtc-1512	145	34	africa	africa	PROPN
ijtc-1512	145	35	(	(	PUNCT
ijtc-1512	145	36	fienup	fienup	ADJ
ijtc-1512	145	37	,	,	PUNCT
ijtc-1512	145	38	2016	2016	NUM
ijtc-1512	145	39	;	;	PUNCT
ijtc-1512	145	40	woolman	woolman	NOUN
ijtc-1512	145	41	,	,	PUNCT
ijtc-1512	145	42	2018	2018	NUM
ijtc-1512	145	43	;	;	PUNCT
ijtc-1512	145	44	mikosz	mikosz	NOUN
ijtc-1512	145	45	,	,	PUNCT
ijtc-1512	145	46	2019	2019	NUM
ijtc-1512	145	47	;	;	PUNCT
ijtc-1512	145	48	techcentral	techcentral	ADJ
ijtc-1512	145	49	,	,	PUNCT
ijtc-1512	145	50	2019	2019	NUM
ijtc-1512	145	51	)	)	PUNCT
ijtc-1512	145	52	.	.	PUNCT
ijtc-1512	146	1	mobile	mobile	ADJ
ijtc-1512	146	2	payments	payment	NOUN
ijtc-1512	146	3	benefit	benefit	VERB
ijtc-1512	146	4	society	society	NOUN
ijtc-1512	146	5	,	,	PUNCT
ijtc-1512	146	6	businesses	business	NOUN
ijtc-1512	146	7	,	,	PUNCT
ijtc-1512	146	8	and	and	CCONJ
ijtc-1512	146	9	financial	financial	ADJ
ijtc-1512	146	10	institutions	institution	NOUN
ijtc-1512	146	11	.	.	PUNCT
ijtc-1512	147	1	some	some	PRON
ijtc-1512	147	2	of	of	ADP
ijtc-1512	147	3	the	the	DET
ijtc-1512	147	4	main	main	ADJ
ijtc-1512	147	5	drivers	driver	NOUN
ijtc-1512	147	6	making	make	VERB
ijtc-1512	147	7	mobile	mobile	ADJ
ijtc-1512	147	8	payments	payment	NOUN
ijtc-1512	147	9	successful	successful	ADJ
ijtc-1512	147	10	include	include	VERB
ijtc-1512	147	11	(	(	PUNCT
ijtc-1512	147	12	1	1	X
ijtc-1512	147	13	)	)	PUNCT
ijtc-1512	147	14	the	the	DET
ijtc-1512	147	15	personal	personal	ADJ
ijtc-1512	147	16	,	,	PUNCT
ijtc-1512	147	17	intimate	intimate	ADJ
ijtc-1512	147	18	,	,	PUNCT
ijtc-1512	147	19	always	always	ADV
ijtc-1512	147	20	-	-	PUNCT
ijtc-1512	147	21	on	on	ADP
ijtc-1512	147	22	single	single	ADJ
ijtc-1512	147	23	identity	identity	NOUN
ijtc-1512	147	24	,	,	PUNCT
ijtc-1512	147	25	(	(	PUNCT
ijtc-1512	147	26	2	2	X
ijtc-1512	147	27	)	)	PUNCT
ijtc-1512	147	28	legal	legal	ADJ
ijtc-1512	147	29	compliance	compliance	NOUN
ijtc-1512	147	30	,	,	PUNCT
ijtc-1512	147	31	the	the	DET
ijtc-1512	147	32	single	single	ADJ
ijtc-1512	147	33	identity	identity	NOUN
ijtc-1512	147	34	,	,	PUNCT
ijtc-1512	147	35	guaranteed	guarantee	VERB
ijtc-1512	147	36	proof	proof	NOUN
ijtc-1512	147	37	of	of	ADP
ijtc-1512	147	38	delivery	delivery	NOUN
ijtc-1512	147	39	,	,	PUNCT
ijtc-1512	147	40	and	and	CCONJ
ijtc-1512	147	41	an	an	DET
ijtc-1512	147	42	automated	automate	VERB
ijtc-1512	147	43	banking	banking	NOUN
ijtc-1512	147	44	guarantee	guarantee	NOUN
ijtc-1512	147	45	for	for	ADP
ijtc-1512	147	46	documentation	documentation	NOUN
ijtc-1512	147	47	,	,	PUNCT
ijtc-1512	147	48	(	(	PUNCT
ijtc-1512	147	49	3	3	X
ijtc-1512	147	50	)	)	PUNCT
ijtc-1512	147	51	enabling	enable	VERB
ijtc-1512	147	52	all	all	DET
ijtc-1512	147	53	types	type	NOUN
ijtc-1512	147	54	of	of	ADP
ijtc-1512	147	55	payments	payment	NOUN
ijtc-1512	147	56	with	with	ADP
ijtc-1512	147	57	confirmation	confirmation	NOUN
ijtc-1512	147	58	,	,	PUNCT
ijtc-1512	147	59	(	(	PUNCT
ijtc-1512	147	60	4	4	X
ijtc-1512	147	61	)	)	PUNCT
ijtc-1512	147	62	the	the	DET
ijtc-1512	147	63	economic	economic	ADJ
ijtc-1512	147	64	dividend	dividend	NOUN
ijtc-1512	147	65	payment	payment	NOUN
ijtc-1512	147	66	to	to	ADP
ijtc-1512	147	67	the	the	DET
ijtc-1512	147	68	identities	identity	NOUN
ijtc-1512	147	69	,	,	PUNCT
ijtc-1512	147	70	and	and	CCONJ
ijtc-1512	147	71	(	(	PUNCT
ijtc-1512	147	72	5	5	X
ijtc-1512	147	73	)	)	PUNCT
ijtc-1512	147	74	instant	instant	ADJ
ijtc-1512	147	75	settlement	settlement	NOUN
ijtc-1512	147	76	and	and	CCONJ
ijtc-1512	147	77	reconciliation	reconciliation	NOUN
ijtc-1512	147	78	data	datum	NOUN
ijtc-1512	147	79	.	.	PUNCT
ijtc-1512	148	1	mobile	mobile	ADJ
ijtc-1512	148	2	payments	payment	NOUN
ijtc-1512	148	3	,	,	PUNCT
ijtc-1512	148	4	while	while	SCONJ
ijtc-1512	148	5	promising	promise	VERB
ijtc-1512	148	6	benefits	benefit	NOUN
ijtc-1512	148	7	for	for	ADP
ijtc-1512	148	8	various	various	ADJ
ijtc-1512	148	9	segments	segment	NOUN
ijtc-1512	148	10	of	of	ADP
ijtc-1512	148	11	society	society	NOUN
ijtc-1512	148	12	including	include	VERB
ijtc-1512	148	13	recipients	recipient	NOUN
ijtc-1512	148	14	,	,	PUNCT
ijtc-1512	148	15	small	small	ADJ
ijtc-1512	148	16	-	-	PUNCT
ijtc-1512	148	17	scale	scale	NOUN
ijtc-1512	148	18	merchants	merchant	NOUN
ijtc-1512	148	19	,	,	PUNCT
ijtc-1512	148	20	and	and	CCONJ
ijtc-1512	148	21	providers	provider	NOUN
ijtc-1512	148	22	of	of	ADP
ijtc-1512	148	23	goods	good	NOUN
ijtc-1512	148	24	and	and	CCONJ
ijtc-1512	148	25	services	service	NOUN
ijtc-1512	148	26	,	,	PUNCT
ijtc-1512	148	27	also	also	ADV
ijtc-1512	148	28	present	present	VERB
ijtc-1512	148	29	numerous	numerous	ADJ
ijtc-1512	148	30	advantages	advantage	NOUN
ijtc-1512	148	31	for	for	ADP
ijtc-1512	148	32	financial	financial	ADJ
ijtc-1512	148	33	institutions	institution	NOUN
ijtc-1512	148	34	(	(	PUNCT
ijtc-1512	148	35	barrett	barrett	PROPN
ijtc-1512	148	36	and	and	CCONJ
ijtc-1512	148	37	kone	kone	PROPN
ijtc-1512	148	38	,	,	PUNCT
ijtc-1512	148	39	2015	2015	NUM
ijtc-1512	148	40	;	;	PUNCT
ijtc-1512	148	41	bojjagani	bojjagani	PROPN
ijtc-1512	148	42	et	et	PROPN
ijtc-1512	148	43	al	al	PROPN
ijtc-1512	148	44	.	.	PROPN
ijtc-1512	148	45	,	,	PUNCT
ijtc-1512	148	46	2023	2023	NUM
ijtc-1512	148	47	;	;	PUNCT
ijtc-1512	148	48	siano	siano	PROPN
ijtc-1512	148	49	et	et	PROPN
ijtc-1512	148	50	al	al	PROPN
ijtc-1512	148	51	.	.	PROPN
ijtc-1512	148	52	,	,	PUNCT
ijtc-1512	148	53	2020	2020	NUM
ijtc-1512	148	54	;	;	PUNCT
ijtc-1512	148	55	ahmed	ahmed	PROPN
ijtc-1512	148	56	et	et	PROPN
ijtc-1512	148	57	al	al	PROPN
ijtc-1512	148	58	.	.	PROPN
ijtc-1512	148	59	,	,	PUNCT
ijtc-1512	148	60	2021	2021	NUM
ijtc-1512	148	61	;	;	PUNCT
ijtc-1512	148	62	torkelson	torkelson	NOUN
ijtc-1512	148	63	,	,	PUNCT
ijtc-1512	148	64	2020	2020	NUM
ijtc-1512	148	65	)	)	PUNCT
ijtc-1512	148	66	.	.	PUNCT
ijtc-1512	149	1	online	online	ADJ
ijtc-1512	149	2	banking	banking	NOUN
ijtc-1512	149	3	is	be	AUX
ijtc-1512	149	4	growing	grow	VERB
ijtc-1512	149	5	dramatically	dramatically	ADV
ijtc-1512	149	6	.	.	PUNCT
ijtc-1512	150	1	a	a	DET
ijtc-1512	150	2	banking	banking	NOUN
ijtc-1512	150	3	supervision	supervision	NOUN
ijtc-1512	150	4	report	report	NOUN
ijtc-1512	150	5	of	of	ADP
ijtc-1512	150	6	payment	payment	NOUN
ijtc-1512	150	7	distribution	distribution	NOUN
ijtc-1512	150	8	systems	system	NOUN
ijtc-1512	150	9	in	in	ADP
ijtc-1512	150	10	2021	2021	NUM
ijtc-1512	150	11	indicates	indicate	VERB
ijtc-1512	150	12	that	that	SCONJ
ijtc-1512	150	13	the	the	DET
ijtc-1512	150	14	number	number	NOUN
ijtc-1512	150	15	of	of	ADP
ijtc-1512	150	16	online	online	ADJ
ijtc-1512	150	17	card	card	NOUN
ijtc-1512	150	18	payments	payment	NOUN
ijtc-1512	150	19	is	be	AUX
ijtc-1512	150	20	expected	expect	VERB
ijtc-1512	150	21	to	to	PART
ijtc-1512	150	22	exceed	exceed	VERB
ijtc-1512	150	23	100	100	NUM
ijtc-1512	150	24	million	million	NUM
ijtc-1512	150	25	for	for	ADP
ijtc-1512	150	26	the	the	DET
ijtc-1512	150	27	first	first	ADJ
ijtc-1512	150	28	time	time	NOUN
ijtc-1512	150	29	.	.	PUNCT
ijtc-1512	151	1	this	this	PRON
ijtc-1512	151	2	has	have	AUX
ijtc-1512	151	3	been	be	AUX
ijtc-1512	151	4	fueled	fuel	VERB
ijtc-1512	151	5	by	by	ADP
ijtc-1512	151	6	more	more	ADJ
ijtc-1512	151	7	consumers	consumer	NOUN
ijtc-1512	151	8	enjoying	enjoy	VERB
ijtc-1512	151	9	subscription	subscription	NOUN
ijtc-1512	151	10	-	-	PUNCT
ijtc-1512	151	11	based	base	VERB
ijtc-1512	151	12	services	service	NOUN
ijtc-1512	151	13	,	,	PUNCT
ijtc-1512	151	14	an	an	DET
ijtc-1512	151	15	increasing	increase	VERB
ijtc-1512	151	16	e	e	NOUN
ijtc-1512	151	17	-	-	NOUN
ijtc-1512	151	18	commerce	commerce	NOUN
ijtc-1512	151	19	market	market	NOUN
ijtc-1512	151	20	,	,	PUNCT
ijtc-1512	151	21	and	and	CCONJ
ijtc-1512	151	22	the	the	DET
ijtc-1512	151	23	utilization	utilization	NOUN
ijtc-1512	151	24	of	of	ADP
ijtc-1512	151	25	split	split	ADJ
ijtc-1512	151	26	payments	payment	NOUN
ijtc-1512	151	27	by	by	ADP
ijtc-1512	151	28	retailers	retailer	NOUN
ijtc-1512	151	29	.	.	PUNCT
ijtc-1512	152	1	despite	despite	SCONJ
ijtc-1512	152	2	the	the	DET
ijtc-1512	152	3	smaller	small	ADJ
ijtc-1512	152	4	number	number	NOUN
ijtc-1512	152	5	of	of	ADP
ijtc-1512	152	6	digital	digital	ADJ
ijtc-1512	152	7	services	service	NOUN
ijtc-1512	152	8	,	,	PUNCT
ijtc-1512	152	9	online	online	ADJ
ijtc-1512	152	10	banking	banking	NOUN
ijtc-1512	152	11	and	and	CCONJ
ijtc-1512	152	12	bill	bill	NOUN
ijtc-1512	152	13	payment	payment	NOUN
ijtc-1512	152	14	services	service	NOUN
ijtc-1512	152	15	have	have	AUX
ijtc-1512	152	16	seen	see	VERB
ijtc-1512	152	17	strong	strong	ADJ
ijtc-1512	152	18	growth	growth	NOUN
ijtc-1512	152	19	through	through	ADP
ijtc-1512	152	20	the	the	DET
ijtc-1512	152	21	past	past	ADJ
ijtc-1512	152	22	decade	decade	NOUN
ijtc-1512	152	23	,	,	PUNCT
ijtc-1512	152	24	averaging	average	VERB
ijtc-1512	152	25	more	more	ADJ
ijtc-1512	152	26	than	than	ADP
ijtc-1512	152	27	20	20	NUM
ijtc-1512	152	28	million	million	NUM
ijtc-1512	152	29	transactions	transaction	NOUN
ijtc-1512	152	30	per	per	ADP
ijtc-1512	152	31	year	year	NOUN
ijtc-1512	152	32	(	(	PUNCT
ijtc-1512	152	33	demirgüç	demirgüç	PROPN
ijtc-1512	152	34	-	-	PUNCT
ijtc-1512	152	35	kunt	kunt	PROPN
ijtc-1512	152	36	et	et	PROPN
ijtc-1512	152	37	al	al	PROPN
ijtc-1512	152	38	.	.	PROPN
ijtc-1512	152	39	,	,	PUNCT
ijtc-1512	152	40	2022	2022	NUM
ijtc-1512	152	41	;	;	PUNCT
ijtc-1512	152	42	bukvic2021	bukvic2021	PROPN
ijtc-1512	152	43	;	;	PUNCT
ijtc-1512	152	44	simatele	simatele	PROPN
ijtc-1512	152	45	&	&	CCONJ
ijtc-1512	152	46	maciko	maciko	PROPN
ijtc-1512	152	47	,	,	PUNCT
ijtc-1512	152	48	2022	2022	NUM
ijtc-1512	152	49	;	;	PUNCT
ijtc-1512	152	50	de	de	X
ijtc-1512	152	51	et	et	PROPN
ijtc-1512	152	52	al	al	PROPN
ijtc-1512	152	53	.	.	PROPN
ijtc-1512	152	54	,	,	PUNCT
ijtc-1512	152	55	2021	2021	NUM
ijtc-1512	152	56	;	;	PUNCT
ijtc-1512	152	57	demirgüç	demirgüç	PROPN
ijtc-1512	152	58	-	-	PUNCT
ijtc-1512	152	59	kunt	kunt	PROPN
ijtc-1512	152	60	et	et	PROPN
ijtc-1512	152	61	al	al	PROPN
ijtc-1512	152	62	.	.	PROPN
ijtc-1512	152	63	,	,	PUNCT
ijtc-1512	152	64	2021	2021	NUM
ijtc-1512	152	65	;	;	PUNCT
ijtc-1512	152	66	van	van	PROPN
ijtc-1512	152	67	zanden	zanden	PROPN
ijtc-1512	152	68	,	,	PUNCT
ijtc-1512	152	69	2023	2023	NUM
ijtc-1512	152	70	;	;	PUNCT
ijtc-1512	152	71	eksteen	eksteen	PROPN
ijtc-1512	152	72	&	&	CCONJ
ijtc-1512	152	73	humbani	humbani	NOUN
ijtc-1512	152	74	,	,	PUNCT
ijtc-1512	152	75	2021	2021	NUM
ijtc-1512	152	76	;	;	PUNCT
ijtc-1512	152	77	onyango	onyango	NOUN
ijtc-1512	152	78	,	,	PUNCT
ijtc-1512	152	79	2021	2021	NUM
ijtc-1512	152	80	)	)	PUNCT
ijtc-1512	152	81	.	.	PUNCT
ijtc-1512	153	1	one	one	NUM
ijtc-1512	153	2	of	of	ADP
ijtc-1512	153	3	the	the	DET
ijtc-1512	153	4	oldest	old	ADJ
ijtc-1512	153	5	services	service	NOUN
ijtc-1512	153	6	in	in	ADP
ijtc-1512	153	7	the	the	DET
ijtc-1512	153	8	online	online	ADJ
ijtc-1512	153	9	banking	banking	NOUN
ijtc-1512	153	10	space	space	NOUN
ijtc-1512	153	11	is	be	AUX
ijtc-1512	153	12	customer	customer	NOUN
ijtc-1512	153	13	-	-	PUNCT
ijtc-1512	153	14	initiated	initiate	VERB
ijtc-1512	153	15	payments	payment	NOUN
ijtc-1512	153	16	,	,	PUNCT
ijtc-1512	153	17	which	which	PRON
ijtc-1512	153	18	allow	allow	VERB
ijtc-1512	153	19	customers	customer	NOUN
ijtc-1512	153	20	to	to	PART
ijtc-1512	153	21	make	make	VERB
ijtc-1512	153	22	payments	payment	NOUN
ijtc-1512	153	23	to	to	ADP
ijtc-1512	153	24	both	both	CCONJ
ijtc-1512	153	25	banked	banked	ADJ
ijtc-1512	153	26	and	and	CCONJ
ijtc-1512	153	27	unbanked	unbanked	ADJ
ijtc-1512	153	28	beneficiaries	beneficiary	NOUN
ijtc-1512	153	29	.	.	PUNCT
ijtc-1512	154	1	payments	payment	NOUN
ijtc-1512	154	2	initiated	initiate	VERB
ijtc-1512	154	3	by	by	ADP
ijtc-1512	154	4	the	the	DET
ijtc-1512	154	5	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1512	154	6	examining	examine	VERB
ijtc-1512	154	7	the	the	DET
ijtc-1512	154	8	management	management	NOUN
ijtc-1512	154	9	impact	impact	NOUN
ijtc-1512	154	10	:	:	PUNCT
ijtc-1512	154	11	a	a	DET
ijtc-1512	154	12	literature	literature	NOUN
ijtc-1512	154	13	review	review	NOUN
ijtc-1512	154	14	on	on	ADP
ijtc-1512	154	15	the	the	DET
ijtc-1512	154	16	phasing	phasing	NOUN
ijtc-1512	154	17	out	out	ADP
ijtc-1512	154	18	of	of	ADP
ijtc-1512	154	19	cheques	cheque	NOUN
ijtc-1512	154	20	in	in	ADP
ijtc-1512	154	21	south	south	PROPN
ijtc-1512	154	22	africa	africa	PROPN
ijtc-1512	154	23	abrahams	abrahams	PROPN
ijtc-1512	154	24	and	and	CCONJ
ijtc-1512	154	25	pretorius	pretorius	NOUN
ijtc-1512	154	26	8	8	NUM
ijtc-1512	154	27	|	|	NOUN
ijtc-1512	154	28	ilomata	ilomata	PROPN
ijtc-1512	154	29	international	international	ADJ
ijtc-1512	154	30	journal	journal	NOUN
ijtc-1512	154	31	of	of	ADP
ijtc-1512	154	32	tax	tax	PROPN
ijtc-1512	154	33	&	&	CCONJ
ijtc-1512	154	34	accounting	accounting	PROPN
ijtc-1512	154	35	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	154	36	customer	customer	NOUN
ijtc-1512	154	37	are	be	AUX
ijtc-1512	154	38	split	split	VERB
ijtc-1512	154	39	into	into	ADP
ijtc-1512	154	40	real	real	ADJ
ijtc-1512	154	41	-	-	PUNCT
ijtc-1512	154	42	time	time	NOUN
ijtc-1512	154	43	payments	payment	NOUN
ijtc-1512	154	44	,	,	PUNCT
ijtc-1512	154	45	batch	batch	NOUN
ijtc-1512	154	46	,	,	PUNCT
ijtc-1512	154	47	and	and	CCONJ
ijtc-1512	154	48	large	large	ADJ
ijtc-1512	154	49	volume	volume	NOUN
ijtc-1512	154	50	payments	payment	NOUN
ijtc-1512	154	51	.	.	PUNCT
ijtc-1512	155	1	the	the	DET
ijtc-1512	155	2	latter	latter	ADJ
ijtc-1512	155	3	refers	refer	VERB
ijtc-1512	155	4	to	to	ADP
ijtc-1512	155	5	accounts	account	NOUN
ijtc-1512	155	6	for	for	ADP
ijtc-1512	155	7	most	most	ADJ
ijtc-1512	155	8	corporate	corporate	ADJ
ijtc-1512	155	9	clients	client	NOUN
ijtc-1512	155	10	into	into	ADP
ijtc-1512	155	11	corporate	corporate	NOUN
ijtc-1512	155	12	-	-	PUNCT
ijtc-1512	155	13	to	to	ADP
ijtc-1512	155	14	-	-	PUNCT
ijtc-1512	155	15	corporate	corporate	ADJ
ijtc-1512	155	16	payments	payment	NOUN
ijtc-1512	155	17	or	or	CCONJ
ijtc-1512	155	18	business	business	NOUN
ijtc-1512	155	19	to	to	ADP
ijtc-1512	155	20	business	business	NOUN
ijtc-1512	155	21	services	service	NOUN
ijtc-1512	155	22	,	,	PUNCT
ijtc-1512	155	23	commonly	commonly	ADV
ijtc-1512	155	24	known	know	VERB
ijtc-1512	155	25	as	as	ADP
ijtc-1512	155	26	eft	eft	PROPN
ijtc-1512	155	27	.	.	PUNCT
ijtc-1512	156	1	eft	eft	PROPN
ijtc-1512	156	2	utilizes	utilize	VERB
ijtc-1512	156	3	debit	debit	NOUN
ijtc-1512	156	4	card	card	NOUN
ijtc-1512	156	5	and	and	CCONJ
ijtc-1512	156	6	regular	regular	ADJ
ijtc-1512	156	7	overnight	overnight	ADJ
ijtc-1512	156	8	settlement	settlement	NOUN
ijtc-1512	156	9	mechanisms	mechanism	NOUN
ijtc-1512	156	10	.	.	PUNCT
ijtc-1512	157	1	furthermore	furthermore	ADV
ijtc-1512	157	2	,	,	PUNCT
ijtc-1512	157	3	the	the	DET
ijtc-1512	157	4	majority	majority	NOUN
ijtc-1512	157	5	of	of	ADP
ijtc-1512	157	6	payment	payment	NOUN
ijtc-1512	157	7	transactions	transaction	NOUN
ijtc-1512	157	8	in	in	ADP
ijtc-1512	157	9	south	south	PROPN
ijtc-1512	157	10	africa	africa	PROPN
ijtc-1512	157	11	are	be	AUX
ijtc-1512	157	12	normal	normal	ADJ
ijtc-1512	157	13	,	,	PUNCT
ijtc-1512	157	14	recurring	recur	VERB
ijtc-1512	157	15	payments	payment	NOUN
ijtc-1512	157	16	customers	customer	NOUN
ijtc-1512	157	17	make	make	VERB
ijtc-1512	157	18	to	to	ADP
ijtc-1512	157	19	a	a	DET
ijtc-1512	157	20	predefined	predefine	VERB
ijtc-1512	157	21	list	list	NOUN
ijtc-1512	157	22	of	of	ADP
ijtc-1512	157	23	beneficiaries	beneficiary	NOUN
ijtc-1512	157	24	.	.	PUNCT
ijtc-1512	158	1	these	these	PRON
ijtc-1512	158	2	have	have	AUX
ijtc-1512	158	3	seen	see	VERB
ijtc-1512	158	4	an	an	DET
ijtc-1512	158	5	average	average	NOUN
ijtc-1512	158	6	of	of	ADP
ijtc-1512	158	7	32	32	NUM
ijtc-1512	158	8	million	million	NUM
ijtc-1512	158	9	transactions	transaction	NOUN
ijtc-1512	158	10	per	per	ADP
ijtc-1512	158	11	year	year	NOUN
ijtc-1512	158	12	.	.	PUNCT
ijtc-1512	159	1	(	(	PUNCT
ijtc-1512	159	2	torkelson	torkelson	NOUN
ijtc-1512	159	3	,	,	PUNCT
ijtc-1512	159	4	2020	2020	NUM
ijtc-1512	159	5	;	;	PUNCT
ijtc-1512	159	6	simatele	simatele	PROPN
ijtc-1512	159	7	&	&	CCONJ
ijtc-1512	159	8	maciko	maciko	PROPN
ijtc-1512	159	9	,	,	PUNCT
ijtc-1512	159	10	2022	2022	NUM
ijtc-1512	159	11	;	;	PUNCT
ijtc-1512	159	12	gronbach	gronbach	NOUN
ijtc-1512	159	13	,	,	PUNCT
ijtc-1512	159	14	2020	2020	NUM
ijtc-1512	159	15	)	)	PUNCT
ijtc-1512	159	16	.	.	PUNCT
ijtc-1512	160	1	several	several	ADJ
ijtc-1512	160	2	countries	country	NOUN
ijtc-1512	160	3	have	have	AUX
ijtc-1512	160	4	made	make	VERB
ijtc-1512	160	5	significant	significant	ADJ
ijtc-1512	160	6	strides	stride	NOUN
ijtc-1512	160	7	in	in	ADP
ijtc-1512	160	8	discontinuing	discontinue	VERB
ijtc-1512	160	9	the	the	DET
ijtc-1512	160	10	usage	usage	NOUN
ijtc-1512	160	11	of	of	ADP
ijtc-1512	160	12	cheques	cheque	NOUN
ijtc-1512	160	13	,	,	PUNCT
ijtc-1512	160	14	including	include	VERB
ijtc-1512	160	15	sweden	sweden	PROPN
ijtc-1512	160	16	,	,	PUNCT
ijtc-1512	160	17	canada	canada	PROPN
ijtc-1512	160	18	,	,	PUNCT
ijtc-1512	160	19	and	and	CCONJ
ijtc-1512	160	20	singapore	singapore	PROPN
ijtc-1512	160	21	.	.	PUNCT
ijtc-1512	161	1	in	in	ADP
ijtc-1512	161	2	2012	2012	NUM
ijtc-1512	161	3	,	,	PUNCT
ijtc-1512	161	4	sweden	sweden	PROPN
ijtc-1512	161	5	implemented	implement	VERB
ijtc-1512	161	6	a	a	DET
ijtc-1512	161	7	complete	complete	ADJ
ijtc-1512	161	8	cessation	cessation	NOUN
ijtc-1512	161	9	of	of	ADP
ijtc-1512	161	10	bank	bank	NOUN
ijtc-1512	161	11	cheques	cheque	NOUN
ijtc-1512	161	12	,	,	PUNCT
ijtc-1512	161	13	driven	drive	VERB
ijtc-1512	161	14	by	by	ADP
ijtc-1512	161	15	major	major	ADJ
ijtc-1512	161	16	banking	banking	NOUN
ijtc-1512	161	17	entities	entity	NOUN
ijtc-1512	161	18	such	such	ADJ
ijtc-1512	161	19	as	as	ADP
ijtc-1512	161	20	nordea	nordea	NOUN
ijtc-1512	161	21	,	,	PUNCT
ijtc-1512	161	22	skandinaviska	skandinaviska	PROPN
ijtc-1512	161	23	enskilda	enskilda	PROPN
ijtc-1512	161	24	banken	banken	PROPN
ijtc-1512	161	25	(	(	PUNCT
ijtc-1512	161	26	seb	seb	PROPN
ijtc-1512	161	27	)	)	PUNCT
ijtc-1512	161	28	,	,	PUNCT
ijtc-1512	161	29	handelsbanken	handelsbanken	PROPN
ijtc-1512	161	30	,	,	PUNCT
ijtc-1512	161	31	swedbank	swedbank	NOUN
ijtc-1512	161	32	,	,	PUNCT
ijtc-1512	161	33	and	and	CCONJ
ijtc-1512	161	34	danske	danske	PROPN
ijtc-1512	161	35	bank	bank	NOUN
ijtc-1512	161	36	,	,	PUNCT
ijtc-1512	161	37	in	in	ADP
ijtc-1512	161	38	collaboration	collaboration	NOUN
ijtc-1512	161	39	with	with	ADP
ijtc-1512	161	40	the	the	DET
ijtc-1512	161	41	swedish	swedish	PROPN
ijtc-1512	161	42	bankgirocentralen	bankgirocentralen	PROPN
ijtc-1512	161	43	responsible	responsible	ADJ
ijtc-1512	161	44	for	for	ADP
ijtc-1512	161	45	cheque	cheque	NOUN
ijtc-1512	161	46	clearing	clearing	NOUN
ijtc-1512	161	47	.	.	PUNCT
ijtc-1512	162	1	this	this	DET
ijtc-1512	162	2	decision	decision	NOUN
ijtc-1512	162	3	stemmed	stem	VERB
ijtc-1512	162	4	from	from	ADP
ijtc-1512	162	5	growing	grow	VERB
ijtc-1512	162	6	concerns	concern	NOUN
ijtc-1512	162	7	regarding	regard	VERB
ijtc-1512	162	8	cheque	cheque	NOUN
ijtc-1512	162	9	fraud	fraud	NOUN
ijtc-1512	162	10	,	,	PUNCT
ijtc-1512	162	11	prompting	prompt	VERB
ijtc-1512	162	12	a	a	DET
ijtc-1512	162	13	collective	collective	ADJ
ijtc-1512	162	14	initiative	initiative	NOUN
ijtc-1512	162	15	to	to	PART
ijtc-1512	162	16	halt	halt	VERB
ijtc-1512	162	17	cheque	cheque	NOUN
ijtc-1512	162	18	clearing	clearing	NOUN
ijtc-1512	162	19	operations	operation	NOUN
ijtc-1512	162	20	.	.	PUNCT
ijtc-1512	163	1	similarly	similarly	ADV
ijtc-1512	163	2	,	,	PUNCT
ijtc-1512	163	3	in	in	ADP
ijtc-1512	163	4	2020	2020	NUM
ijtc-1512	163	5	,	,	PUNCT
ijtc-1512	163	6	all	all	DET
ijtc-1512	163	7	three	three	NUM
ijtc-1512	163	8	major	major	ADJ
ijtc-1512	163	9	banks	bank	NOUN
ijtc-1512	163	10	in	in	ADP
ijtc-1512	163	11	canada	canada	PROPN
ijtc-1512	163	12	ceased	cease	VERB
ijtc-1512	163	13	the	the	DET
ijtc-1512	163	14	issuance	issuance	NOUN
ijtc-1512	163	15	of	of	ADP
ijtc-1512	163	16	cheques	cheque	NOUN
ijtc-1512	163	17	.	.	PUNCT
ijtc-1512	164	1	this	this	DET
ijtc-1512	164	2	strategic	strategic	ADJ
ijtc-1512	164	3	move	move	NOUN
ijtc-1512	164	4	aims	aim	VERB
ijtc-1512	164	5	to	to	PART
ijtc-1512	164	6	incentivize	incentivize	VERB
ijtc-1512	164	7	businesses	business	NOUN
ijtc-1512	164	8	to	to	PART
ijtc-1512	164	9	transition	transition	VERB
ijtc-1512	164	10	to	to	ADP
ijtc-1512	164	11	digital	digital	ADJ
ijtc-1512	164	12	payment	payment	NOUN
ijtc-1512	164	13	solutions	solution	NOUN
ijtc-1512	164	14	,	,	PUNCT
ijtc-1512	164	15	thereby	thereby	ADV
ijtc-1512	164	16	reducing	reduce	VERB
ijtc-1512	164	17	associated	associate	VERB
ijtc-1512	164	18	costs	cost	NOUN
ijtc-1512	164	19	linked	link	VERB
ijtc-1512	164	20	with	with	ADP
ijtc-1512	164	21	cheque	cheque	NOUN
ijtc-1512	164	22	processing	processing	NOUN
ijtc-1512	164	23	for	for	ADP
ijtc-1512	164	24	enterprises	enterprise	NOUN
ijtc-1512	164	25	.	.	PUNCT
ijtc-1512	165	1	moreover	moreover	ADV
ijtc-1512	165	2	,	,	PUNCT
ijtc-1512	165	3	in	in	ADP
ijtc-1512	165	4	singapore	singapore	PROPN
ijtc-1512	165	5	,	,	PUNCT
ijtc-1512	165	6	united	united	PROPN
ijtc-1512	165	7	overseas	overseas	PROPN
ijtc-1512	165	8	bank	bank	PROPN
ijtc-1512	165	9	(	(	PUNCT
ijtc-1512	165	10	uob	uob	PROPN
ijtc-1512	165	11	)	)	PUNCT
ijtc-1512	165	12	and	and	CCONJ
ijtc-1512	165	13	dbs	dbs	PROPN
ijtc-1512	165	14	bank	bank	PROPN
ijtc-1512	165	15	have	have	AUX
ijtc-1512	165	16	fully	fully	ADV
ijtc-1512	165	17	discontinued	discontinue	VERB
ijtc-1512	165	18	cheque	cheque	NOUN
ijtc-1512	165	19	usage	usage	NOUN
ijtc-1512	165	20	.	.	PUNCT
ijtc-1512	166	1	this	this	DET
ijtc-1512	166	2	decision	decision	NOUN
ijtc-1512	166	3	aligns	align	VERB
ijtc-1512	166	4	with	with	ADP
ijtc-1512	166	5	evolving	evolve	VERB
ijtc-1512	166	6	consumer	consumer	NOUN
ijtc-1512	166	7	and	and	CCONJ
ijtc-1512	166	8	business	business	NOUN
ijtc-1512	166	9	preferences	preference	NOUN
ijtc-1512	166	10	favoring	favor	VERB
ijtc-1512	166	11	expedient	expedient	ADJ
ijtc-1512	166	12	payment	payment	NOUN
ijtc-1512	166	13	alternatives	alternative	NOUN
ijtc-1512	166	14	such	such	ADJ
ijtc-1512	166	15	as	as	ADP
ijtc-1512	166	16	instant	instant	ADJ
ijtc-1512	166	17	e	e	NOUN
ijtc-1512	166	18	-	-	NOUN
ijtc-1512	166	19	payments	payment	NOUN
ijtc-1512	166	20	,	,	PUNCT
ijtc-1512	166	21	which	which	PRON
ijtc-1512	166	22	offer	offer	VERB
ijtc-1512	166	23	accessibility	accessibility	NOUN
ijtc-1512	166	24	and	and	CCONJ
ijtc-1512	166	25	convenience	convenience	NOUN
ijtc-1512	166	26	.	.	PUNCT
ijtc-1512	167	1	safety	safety	NOUN
ijtc-1512	167	2	considerations	consideration	NOUN
ijtc-1512	167	3	also	also	ADV
ijtc-1512	167	4	play	play	VERB
ijtc-1512	167	5	a	a	DET
ijtc-1512	167	6	pivotal	pivotal	ADJ
ijtc-1512	167	7	role	role	NOUN
ijtc-1512	167	8	in	in	ADP
ijtc-1512	167	9	the	the	DET
ijtc-1512	167	10	adoption	adoption	NOUN
ijtc-1512	167	11	of	of	ADP
ijtc-1512	167	12	these	these	DET
ijtc-1512	167	13	faster	fast	ADJ
ijtc-1512	167	14	payment	payment	NOUN
ijtc-1512	167	15	modalities	modality	NOUN
ijtc-1512	167	16	.	.	PUNCT
ijtc-1512	168	1	(	(	PUNCT
ijtc-1512	168	2	deep,2022	deep,2022	NOUN
ijtc-1512	168	3	;	;	PUNCT
ijtc-1512	168	4	auer	auer	PROPN
ijtc-1512	168	5	et	et	NOUN
ijtc-1512	168	6	al	al	PROPN
ijtc-1512	168	7	.	.	PROPN
ijtc-1512	168	8	,	,	PUNCT
ijtc-1512	168	9	2020	2020	NUM
ijtc-1512	168	10	;	;	PUNCT
ijtc-1512	168	11	kang	kang	PROPN
ijtc-1512	168	12	et	et	PROPN
ijtc-1512	168	13	al	al	PROPN
ijtc-1512	168	14	.	.	PROPN
ijtc-1512	168	15	,	,	PUNCT
ijtc-1512	168	16	2021	2021	NUM
ijtc-1512	168	17	;	;	PUNCT
ijtc-1512	168	18	tetlow	tetlow	PROPN
ijtc-1512	168	19	&	&	CCONJ
ijtc-1512	168	20	dalton	dalton	PROPN
ijtc-1512	168	21	,	,	PUNCT
ijtc-1512	168	22	2020	2020	NUM
ijtc-1512	168	23	;	;	PUNCT
ijtc-1512	168	24	balliester	balliester	NOUN
ijtc-1512	168	25	reis	reis	NOUN
ijtc-1512	168	26	,	,	PUNCT
ijtc-1512	168	27	2022	2022	NUM
ijtc-1512	168	28	;	;	PUNCT
ijtc-1512	168	29	skovgaard‐smith	skovgaard‐smith	NOUN
ijtc-1512	168	30	,	,	PUNCT
ijtc-1512	168	31	2023	2023	NUM
ijtc-1512	168	32	;	;	PUNCT
ijtc-1512	168	33	bilotta	bilotta	NOUN
ijtc-1512	168	34	&	&	CCONJ
ijtc-1512	168	35	botti2021	botti2021	PROPN
ijtc-1512	168	36	;	;	PUNCT
ijtc-1512	168	37	náñez	náñez	PROPN
ijtc-1512	168	38	et	et	PROPN
ijtc-1512	168	39	al	al	PROPN
ijtc-1512	168	40	.	.	PROPN
ijtc-1512	168	41	,	,	PUNCT
ijtc-1512	168	42	2020	2020	NUM
ijtc-1512	168	43	)	)	PUNCT
ijtc-1512	168	44	.	.	PUNCT
ijtc-1512	169	1	the	the	DET
ijtc-1512	169	2	south	south	PROPN
ijtc-1512	169	3	african	african	PROPN
ijtc-1512	169	4	reserve	reserve	PROPN
ijtc-1512	169	5	bank	bank	PROPN
ijtc-1512	169	6	(	(	PUNCT
ijtc-1512	169	7	sarb	sarb	NOUN
ijtc-1512	169	8	)	)	PUNCT
ijtc-1512	169	9	is	be	AUX
ijtc-1512	169	10	responsible	responsible	ADJ
ijtc-1512	169	11	for	for	ADP
ijtc-1512	169	12	drawing	draw	VERB
ijtc-1512	169	13	up	up	ADP
ijtc-1512	169	14	,	,	PUNCT
ijtc-1512	169	15	announcing	announce	VERB
ijtc-1512	169	16	,	,	PUNCT
ijtc-1512	169	17	and	and	CCONJ
ijtc-1512	169	18	directing	direct	VERB
ijtc-1512	169	19	the	the	DET
ijtc-1512	169	20	strategy	strategy	NOUN
ijtc-1512	169	21	and	and	CCONJ
ijtc-1512	169	22	framework	framework	NOUN
ijtc-1512	169	23	relating	relate	VERB
ijtc-1512	169	24	to	to	ADP
ijtc-1512	169	25	the	the	DET
ijtc-1512	169	26	national	national	ADJ
ijtc-1512	169	27	payment	payment	NOUN
ijtc-1512	169	28	system	system	NOUN
ijtc-1512	169	29	(	(	PUNCT
ijtc-1512	169	30	nps	nps	PROPN
ijtc-1512	169	31	)	)	PUNCT
ijtc-1512	169	32	.	.	PUNCT
ijtc-1512	170	1	the	the	DET
ijtc-1512	170	2	government	government	NOUN
ijtc-1512	170	3	,	,	PUNCT
ijtc-1512	170	4	in	in	ADP
ijtc-1512	170	5	consultation	consultation	NOUN
ijtc-1512	170	6	with	with	ADP
ijtc-1512	170	7	the	the	DET
ijtc-1512	170	8	sarb	sarb	PROPN
ijtc-1512	170	9	and	and	CCONJ
ijtc-1512	170	10	other	other	ADJ
ijtc-1512	170	11	oversight	oversight	NOUN
ijtc-1512	170	12	bodies	body	NOUN
ijtc-1512	170	13	of	of	ADP
ijtc-1512	170	14	the	the	DET
ijtc-1512	170	15	nps	nps	PROPN
ijtc-1512	170	16	,	,	PUNCT
ijtc-1512	170	17	has	have	VERB
ijtc-1512	170	18	to	to	PART
ijtc-1512	170	19	draw	draw	VERB
ijtc-1512	170	20	up	up	ADP
ijtc-1512	170	21	policy	policy	NOUN
ijtc-1512	170	22	and	and	CCONJ
ijtc-1512	170	23	law	law	NOUN
ijtc-1512	170	24	dealing	deal	VERB
ijtc-1512	170	25	with	with	ADP
ijtc-1512	170	26	matters	matter	NOUN
ijtc-1512	170	27	of	of	ADP
ijtc-1512	170	28	banking	banking	NOUN
ijtc-1512	170	29	,	,	PUNCT
ijtc-1512	170	30	the	the	DET
ijtc-1512	170	31	sarb	sarb	PROPN
ijtc-1512	170	32	,	,	PUNCT
ijtc-1512	170	33	and	and	CCONJ
ijtc-1512	170	34	nps	nps	PROPN
ijtc-1512	170	35	.	.	PUNCT
ijtc-1512	171	1	payments	payment	NOUN
ijtc-1512	171	2	under	under	ADP
ijtc-1512	171	3	the	the	DET
ijtc-1512	171	4	national	national	ADJ
ijtc-1512	171	5	payment	payment	NOUN
ijtc-1512	171	6	system	system	NOUN
ijtc-1512	171	7	are	be	AUX
ijtc-1512	171	8	subject	subject	ADJ
ijtc-1512	171	9	to	to	ADP
ijtc-1512	171	10	the	the	DET
ijtc-1512	171	11	nps	nps	PROPN
ijtc-1512	171	12	act	act	PROPN
ijtc-1512	171	13	,	,	PUNCT
ijtc-1512	171	14	as	as	ADV
ijtc-1512	171	15	well	well	ADV
ijtc-1512	171	16	as	as	ADP
ijtc-1512	171	17	payments	payment	NOUN
ijtc-1512	171	18	under	under	ADP
ijtc-1512	171	19	any	any	DET
ijtc-1512	171	20	system	system	NOUN
ijtc-1512	171	21	declared	declare	VERB
ijtc-1512	171	22	by	by	ADP
ijtc-1512	171	23	the	the	DET
ijtc-1512	171	24	minister	minister	NOUN
ijtc-1512	171	25	in	in	ADP
ijtc-1512	171	26	terms	term	NOUN
ijtc-1512	171	27	of	of	ADP
ijtc-1512	171	28	section	section	NOUN
ijtc-1512	171	29	7	7	NUM
ijtc-1512	171	30	of	of	ADP
ijtc-1512	171	31	the	the	DET
ijtc-1512	171	32	nps	nps	PROPN
ijtc-1512	171	33	act	act	PROPN
ijtc-1512	171	34	.	.	PUNCT
ijtc-1512	172	1	an	an	DET
ijtc-1512	172	2	overarching	overarching	ADJ
ijtc-1512	172	3	policy	policy	NOUN
ijtc-1512	172	4	framework	framework	NOUN
ijtc-1512	172	5	is	be	AUX
ijtc-1512	172	6	necessary	necessary	ADJ
ijtc-1512	172	7	to	to	PART
ijtc-1512	172	8	guide	guide	VERB
ijtc-1512	172	9	bank	bank	NOUN
ijtc-1512	172	10	behavior	behavior	NOUN
ijtc-1512	172	11	in	in	ADP
ijtc-1512	172	12	relation	relation	NOUN
ijtc-1512	172	13	to	to	PART
ijtc-1512	172	14	cheques	cheque	NOUN
ijtc-1512	172	15	upon	upon	SCONJ
ijtc-1512	172	16	discontinuation	discontinuation	NOUN
ijtc-1512	172	17	.	.	PUNCT
ijtc-1512	173	1	some	some	DET
ijtc-1512	173	2	industry	industry	NOUN
ijtc-1512	173	3	measures	measure	NOUN
ijtc-1512	173	4	align	align	VERB
ijtc-1512	173	5	with	with	ADP
ijtc-1512	173	6	what	what	PRON
ijtc-1512	173	7	is	be	AUX
ijtc-1512	173	8	set	set	VERB
ijtc-1512	173	9	out	out	ADP
ijtc-1512	173	10	in	in	ADP
ijtc-1512	173	11	regulation	regulation	NOUN
ijtc-1512	173	12	444	444	NUM
ijtc-1512	173	13	of	of	ADP
ijtc-1512	173	14	the	the	DET
ijtc-1512	173	15	banks	bank	NOUN
ijtc-1512	173	16	act	act	VERB
ijtc-1512	173	17	94	94	NUM
ijtc-1512	173	18	of	of	ADP
ijtc-1512	173	19	1990	1990	NUM
ijtc-1512	173	20	(	(	PUNCT
ijtc-1512	173	21	hereinafter	hereinafter	NOUN
ijtc-1512	173	22	referred	refer	VERB
ijtc-1512	173	23	to	to	ADP
ijtc-1512	173	24	as	as	ADP
ijtc-1512	173	25	regulation	regulation	NOUN
ijtc-1512	173	26	444	444	NUM
ijtc-1512	173	27	)	)	PUNCT
ijtc-1512	173	28	,	,	PUNCT
ijtc-1512	173	29	but	but	CCONJ
ijtc-1512	173	30	some	some	PRON
ijtc-1512	173	31	still	still	ADV
ijtc-1512	173	32	are	be	AUX
ijtc-1512	173	33	not	not	PART
ijtc-1512	173	34	fully	fully	ADV
ijtc-1512	173	35	aligned	align	VERB
ijtc-1512	173	36	.	.	PUNCT
ijtc-1512	174	1	as	as	SCONJ
ijtc-1512	174	2	the	the	DET
ijtc-1512	174	3	directive	directive	NOUN
ijtc-1512	174	4	on	on	ADP
ijtc-1512	174	5	the	the	DET
ijtc-1512	174	6	discontinuation	discontinuation	NOUN
ijtc-1512	174	7	of	of	ADP
ijtc-1512	174	8	cheques	cheque	NOUN
ijtc-1512	174	9	is	be	AUX
ijtc-1512	174	10	not	not	PART
ijtc-1512	174	11	clear	clear	ADJ
ijtc-1512	174	12	nor	nor	CCONJ
ijtc-1512	174	13	prescriptive	prescriptive	ADJ
ijtc-1512	174	14	enough	enough	ADV
ijtc-1512	174	15	,	,	PUNCT
ijtc-1512	174	16	it	it	PRON
ijtc-1512	174	17	can	can	AUX
ijtc-1512	174	18	complicate	complicate	VERB
ijtc-1512	174	19	the	the	DET
ijtc-1512	174	20	way	way	NOUN
ijtc-1512	174	21	adverse	adverse	ADJ
ijtc-1512	174	22	clients	client	NOUN
ijtc-1512	174	23	'	'	PART
ijtc-1512	174	24	effects	effect	NOUN
ijtc-1512	174	25	are	be	AUX
ijtc-1512	174	26	mitigated	mitigate	VERB
ijtc-1512	174	27	(	(	PUNCT
ijtc-1512	174	28	coco	coco	PROPN
ijtc-1512	174	29	&	&	CCONJ
ijtc-1512	174	30	viegi	viegi	PROPN
ijtc-1512	174	31	,	,	PUNCT
ijtc-1512	174	32	2020	2020	NUM
ijtc-1512	174	33	;	;	PUNCT
ijtc-1512	174	34	zhang	zhang	PROPN
ijtc-1512	174	35	&	&	CCONJ
ijtc-1512	174	36	huang	huang	PROPN
ijtc-1512	174	37	,	,	PUNCT
ijtc-1512	174	38	2022	2022	NUM
ijtc-1512	174	39	;	;	PUNCT
ijtc-1512	174	40	loewald	loewald	NOUN
ijtc-1512	174	41	et	et	PROPN
ijtc-1512	174	42	al	al	PROPN
ijtc-1512	174	43	.	.	PROPN
ijtc-1512	174	44	,	,	PUNCT
ijtc-1512	174	45	2022	2022	NUM
ijtc-1512	174	46	;	;	PUNCT
ijtc-1512	174	47	fantacci	fantacci	PROPN
ijtc-1512	174	48	&	&	CCONJ
ijtc-1512	174	49	gobbi	gobbi	PROPN
ijtc-1512	174	50	;	;	PUNCT
ijtc-1512	174	51	ozili	ozili	NOUN
ijtc-1512	174	52	,	,	PUNCT
ijtc-1512	174	53	2023	2023	NUM
ijtc-1512	174	54	;	;	PUNCT
ijtc-1512	174	55	opare	opare	PROPN
ijtc-1512	174	56	&	&	CCONJ
ijtc-1512	174	57	kim	kim	PROPN
ijtc-1512	174	58	,	,	PUNCT
ijtc-1512	174	59	2020	2020	NUM
ijtc-1512	174	60	;	;	PUNCT
ijtc-1512	174	61	ca	can	AUX
ijtc-1512	174	62	nt	not	PART
ijtc-1512	174	63	et	et	VERB
ijtc-1512	174	64	al	al	PROPN
ijtc-1512	174	65	.	.	PROPN
ijtc-1512	174	66	,	,	PUNCT
ijtc-1512	174	67	2021	2021	NUM
ijtc-1512	174	68	;	;	PUNCT
ijtc-1512	174	69	tut	tut	NOUN
ijtc-1512	174	70	,	,	PUNCT
ijtc-1512	174	71	2023	2023	NUM
ijtc-1512	174	72	)	)	PUNCT
ijtc-1512	174	73	.	.	PUNCT
ijtc-1512	175	1	due	due	ADP
ijtc-1512	175	2	to	to	ADP
ijtc-1512	175	3	the	the	DET
ijtc-1512	175	4	introduction	introduction	NOUN
ijtc-1512	175	5	and	and	CCONJ
ijtc-1512	175	6	adoption	adoption	NOUN
ijtc-1512	175	7	of	of	ADP
ijtc-1512	175	8	e	e	NOUN
ijtc-1512	175	9	-	-	NOUN
ijtc-1512	175	10	payments	payment	NOUN
ijtc-1512	175	11	,	,	PUNCT
ijtc-1512	175	12	payment	payment	NOUN
ijtc-1512	175	13	regulation	regulation	NOUN
ijtc-1512	175	14	boards	board	NOUN
ijtc-1512	175	15	within	within	ADP
ijtc-1512	175	16	countries	country	NOUN
ijtc-1512	175	17	have	have	AUX
ijtc-1512	175	18	realized	realize	VERB
ijtc-1512	175	19	that	that	SCONJ
ijtc-1512	175	20	it	it	PRON
ijtc-1512	175	21	is	be	AUX
ijtc-1512	175	22	costly	costly	ADJ
ijtc-1512	175	23	to	to	PART
ijtc-1512	175	24	process	process	VERB
ijtc-1512	175	25	and	and	CCONJ
ijtc-1512	175	26	manage	manage	VERB
ijtc-1512	175	27	the	the	DET
ijtc-1512	175	28	e	e	NOUN
ijtc-1512	175	29	-	-	ADJ
ijtc-1512	175	30	payment	payment	NOUN
ijtc-1512	175	31	channels	channel	NOUN
ijtc-1512	175	32	.	.	PUNCT
ijtc-1512	176	1	in	in	ADP
ijtc-1512	176	2	the	the	DET
ijtc-1512	176	3	case	case	NOUN
ijtc-1512	176	4	of	of	ADP
ijtc-1512	176	5	south	south	PROPN
ijtc-1512	176	6	africa	africa	PROPN
ijtc-1512	176	7	,	,	PUNCT
ijtc-1512	176	8	the	the	DET
ijtc-1512	176	9	financial	financial	ADJ
ijtc-1512	176	10	intelligence	intelligence	NOUN
ijtc-1512	176	11	anti	anti	ADJ
ijtc-1512	176	12	-	-	ADJ
ijtc-1512	176	13	money	money	ADJ
ijtc-1512	176	14	laundering	laundering	NOUN
ijtc-1512	176	15	and	and	CCONJ
ijtc-1512	176	16	countering	counter	VERB
ijtc-1512	176	17	the	the	DET
ijtc-1512	176	18	financing	financing	NOUN
ijtc-1512	176	19	of	of	ADP
ijtc-1512	176	20	terrorism	terrorism	NOUN
ijtc-1512	176	21	act	act	NOUN
ijtc-1512	176	22	(	(	PUNCT
ijtc-1512	176	23	fic	fic	ADJ
ijtc-1512	176	24	act	act	NOUN
ijtc-1512	176	25	38	38	NUM
ijtc-1512	176	26	of	of	ADP
ijtc-1512	176	27	2001	2001	NUM
ijtc-1512	176	28	)	)	PUNCT
ijtc-1512	176	29	was	be	AUX
ijtc-1512	176	30	thus	thus	ADV
ijtc-1512	176	31	imposed	impose	VERB
ijtc-1512	176	32	in	in	ADP
ijtc-1512	176	33	2013	2013	NUM
ijtc-1512	176	34	to	to	PART
ijtc-1512	176	35	address	address	VERB
ijtc-1512	176	36	the	the	DET
ijtc-1512	176	37	fica	fica	PROPN
ijtc-1512	176	38	stamps	stamp	VERB
ijtc-1512	176	39	on	on	ADP
ijtc-1512	176	40	cheque	cheque	NOUN
ijtc-1512	176	41	payers	payer	NOUN
ijtc-1512	176	42	.	.	PUNCT
ijtc-1512	177	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1512	177	2	examining	examine	VERB
ijtc-1512	177	3	the	the	DET
ijtc-1512	177	4	management	management	NOUN
ijtc-1512	177	5	impact	impact	NOUN
ijtc-1512	177	6	:	:	PUNCT
ijtc-1512	177	7	a	a	DET
ijtc-1512	177	8	literature	literature	NOUN
ijtc-1512	177	9	review	review	NOUN
ijtc-1512	177	10	on	on	ADP
ijtc-1512	177	11	the	the	DET
ijtc-1512	177	12	phasing	phasing	NOUN
ijtc-1512	177	13	out	out	ADP
ijtc-1512	177	14	of	of	ADP
ijtc-1512	177	15	cheques	cheque	NOUN
ijtc-1512	177	16	in	in	ADP
ijtc-1512	177	17	south	south	PROPN
ijtc-1512	177	18	africa	africa	PROPN
ijtc-1512	177	19	abrahams	abrahams	PROPN
ijtc-1512	177	20	and	and	CCONJ
ijtc-1512	177	21	pretorius	pretorius	NOUN
ijtc-1512	177	22	9	9	NUM
ijtc-1512	177	23	|	|	ADV
ijtc-1512	177	24	ilomata	ilomata	PROPN
ijtc-1512	177	25	international	international	ADJ
ijtc-1512	177	26	journal	journal	NOUN
ijtc-1512	177	27	of	of	ADP
ijtc-1512	177	28	tax	tax	PROPN
ijtc-1512	177	29	&	&	CCONJ
ijtc-1512	177	30	accounting	account	VERB
ijtc-1512	177	31	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	177	32	the	the	DET
ijtc-1512	177	33	electronic	electronic	ADJ
ijtc-1512	177	34	clearing	clearing	NOUN
ijtc-1512	177	35	of	of	ADP
ijtc-1512	177	36	cheques	cheque	NOUN
ijtc-1512	177	37	was	be	AUX
ijtc-1512	177	38	found	find	VERB
ijtc-1512	177	39	costly	costly	ADJ
ijtc-1512	177	40	,	,	PUNCT
ijtc-1512	177	41	including	include	VERB
ijtc-1512	177	42	the	the	DET
ijtc-1512	177	43	items	item	NOUN
ijtc-1512	177	44	(	(	PUNCT
ijtc-1512	177	45	including	include	VERB
ijtc-1512	177	46	the	the	DET
ijtc-1512	177	47	e	e	NOUN
ijtc-1512	177	48	-	-	NOUN
ijtc-1512	177	49	cheques	cheque	NOUN
ijtc-1512	177	50	)	)	PUNCT
ijtc-1512	177	51	on	on	ADP
ijtc-1512	177	52	the	the	DET
ijtc-1512	177	53	e	e	NOUN
ijtc-1512	177	54	-	-	ADJ
ijtc-1512	177	55	debiting	debiting	ADJ
ijtc-1512	177	56	order	order	NOUN
ijtc-1512	177	57	dispatch	dispatch	NOUN
ijtc-1512	177	58	system	system	NOUN
ijtc-1512	177	59	(	(	PUNCT
ijtc-1512	177	60	ods	ods	PROPN
ijtc-1512	177	61	)	)	PUNCT
ijtc-1512	177	62	,	,	PUNCT
ijtc-1512	177	63	and	and	CCONJ
ijtc-1512	177	64	thus	thus	ADV
ijtc-1512	177	65	was	be	AUX
ijtc-1512	177	66	not	not	PART
ijtc-1512	177	67	secured	secure	VERB
ijtc-1512	177	68	or	or	CCONJ
ijtc-1512	177	69	protected	protect	VERB
ijtc-1512	177	70	to	to	ADP
ijtc-1512	177	71	the	the	DET
ijtc-1512	177	72	payees	payee	NOUN
ijtc-1512	177	73	or	or	CCONJ
ijtc-1512	177	74	payers	payer	NOUN
ijtc-1512	177	75	(	(	PUNCT
ijtc-1512	177	76	chitimira	chitimira	PROPN
ijtc-1512	177	77	&	&	CCONJ
ijtc-1512	177	78	munedzi	munedzi	PROPN
ijtc-1512	177	79	,	,	PUNCT
ijtc-1512	177	80	2023	2023	NUM
ijtc-1512	177	81	;	;	PUNCT
ijtc-1512	177	82	chitimira	chitimira	PROPN
ijtc-1512	177	83	,	,	PUNCT
ijtc-1512	177	84	2021	2021	NUM
ijtc-1512	177	85	;	;	PUNCT
ijtc-1512	177	86	gaviyau	gaviyau	NOUN
ijtc-1512	177	87	&	&	CCONJ
ijtc-1512	177	88	sibindi	sibindi	PROPN
ijtc-1512	177	89	,	,	PUNCT
ijtc-1512	177	90	2023	2023	NUM
ijtc-1512	177	91	;	;	PUNCT
ijtc-1512	177	92	yozi	yozi	NOUN
ijtc-1512	177	93	,	,	PUNCT
ijtc-1512	177	94	2020	2020	NUM
ijtc-1512	177	95	;	;	PUNCT
ijtc-1512	177	96	smith	smith	PROPN
ijtc-1512	177	97	,	,	PUNCT
ijtc-1512	177	98	2021	2021	NUM
ijtc-1512	177	99	;	;	PUNCT
ijtc-1512	177	100	van	van	PROPN
ijtc-1512	177	101	wyk	wyk	PROPN
ijtc-1512	177	102	,	,	PUNCT
ijtc-1512	177	103	2020	2020	NUM
ijtc-1512	177	104	;	;	PUNCT
ijtc-1512	177	105	booysen	booysen	VERB
ijtc-1512	177	106	,	,	PUNCT
ijtc-1512	177	107	2022	2022	NUM
ijtc-1512	177	108	;	;	PUNCT
ijtc-1512	177	109	ojukwu	ojukwu	NOUN
ijtc-1512	177	110	-	-	PUNCT
ijtc-1512	177	111	ogba	ogba	NOUN
ijtc-1512	177	112	&	&	CCONJ
ijtc-1512	177	113	osode	osode	PROPN
ijtc-1512	177	114	,	,	PUNCT
ijtc-1512	177	115	2020	2020	NUM
ijtc-1512	177	116	;	;	PUNCT
ijtc-1512	177	117	gaviyau	gaviyau	NOUN
ijtc-1512	177	118	&	&	CCONJ
ijtc-1512	177	119	sibindi	sibindi	PROPN
ijtc-1512	177	120	,	,	PUNCT
ijtc-1512	177	121	2023	2023	NUM
ijtc-1512	177	122	;	;	PUNCT
ijtc-1512	177	123	chitimira	chitimira	PROPN
ijtc-1512	177	124	&	&	CCONJ
ijtc-1512	177	125	munedzi	munedzi	PROPN
ijtc-1512	177	126	,	,	PUNCT
ijtc-1512	177	127	2021	2021	NUM
ijtc-1512	177	128	)	)	PUNCT
ijtc-1512	177	129	.	.	PUNCT
ijtc-1512	178	1	users	user	NOUN
ijtc-1512	178	2	,	,	PUNCT
ijtc-1512	178	3	fund	fund	NOUN
ijtc-1512	178	4	administrators	administrator	NOUN
ijtc-1512	178	5	,	,	PUNCT
ijtc-1512	178	6	and	and	CCONJ
ijtc-1512	178	7	payment	payment	NOUN
ijtc-1512	178	8	banks	bank	NOUN
ijtc-1512	178	9	proved	prove	VERB
ijtc-1512	178	10	that	that	SCONJ
ijtc-1512	178	11	there	there	PRON
ijtc-1512	178	12	was	be	VERB
ijtc-1512	178	13	a	a	DET
ijtc-1512	178	14	need	need	NOUN
ijtc-1512	178	15	to	to	PART
ijtc-1512	178	16	review	review	VERB
ijtc-1512	178	17	and	and	CCONJ
ijtc-1512	178	18	assess	assess	VERB
ijtc-1512	178	19	the	the	DET
ijtc-1512	178	20	current	current	ADJ
ijtc-1512	178	21	regulatory	regulatory	ADJ
ijtc-1512	178	22	environment	environment	NOUN
ijtc-1512	178	23	that	that	PRON
ijtc-1512	178	24	could	could	AUX
ijtc-1512	178	25	better	well	ADV
ijtc-1512	178	26	facilitate	facilitate	VERB
ijtc-1512	178	27	customers	customer	NOUN
ijtc-1512	178	28	to	to	PART
ijtc-1512	178	29	switch	switch	VERB
ijtc-1512	178	30	to	to	ADP
ijtc-1512	178	31	electronic	electronic	ADJ
ijtc-1512	178	32	payment	payment	NOUN
ijtc-1512	178	33	instruments	instrument	NOUN
ijtc-1512	178	34	.	.	PUNCT
ijtc-1512	179	1	when	when	SCONJ
ijtc-1512	179	2	the	the	DET
ijtc-1512	179	3	banks	bank	NOUN
ijtc-1512	179	4	did	do	AUX
ijtc-1512	179	5	not	not	PART
ijtc-1512	179	6	achieve	achieve	VERB
ijtc-1512	179	7	the	the	DET
ijtc-1512	179	8	specified	specified	ADJ
ijtc-1512	179	9	payment	payment	NOUN
ijtc-1512	179	10	obligations	obligation	NOUN
ijtc-1512	179	11	,	,	PUNCT
ijtc-1512	179	12	the	the	DET
ijtc-1512	179	13	reserve	reserve	PROPN
ijtc-1512	179	14	bank	bank	PROPN
ijtc-1512	179	15	had	have	VERB
ijtc-1512	179	16	no	no	DET
ijtc-1512	179	17	option	option	NOUN
ijtc-1512	179	18	but	but	CCONJ
ijtc-1512	179	19	to	to	PART
ijtc-1512	179	20	enforce	enforce	VERB
ijtc-1512	179	21	compliance	compliance	NOUN
ijtc-1512	179	22	.	.	PUNCT
ijtc-1512	180	1	this	this	PRON
ijtc-1512	180	2	had	have	VERB
ijtc-1512	180	3	a	a	DET
ijtc-1512	180	4	significant	significant	ADJ
ijtc-1512	180	5	influence	influence	NOUN
ijtc-1512	180	6	on	on	ADP
ijtc-1512	180	7	the	the	DET
ijtc-1512	180	8	total	total	ADJ
ijtc-1512	180	9	probability	probability	NOUN
ijtc-1512	180	10	of	of	ADP
ijtc-1512	180	11	cheques	cheque	NOUN
ijtc-1512	180	12	bouncing	bounce	VERB
ijtc-1512	180	13	in	in	ADP
ijtc-1512	180	14	the	the	DET
ijtc-1512	180	15	banking	banking	NOUN
ijtc-1512	180	16	system	system	NOUN
ijtc-1512	180	17	,	,	PUNCT
ijtc-1512	180	18	which	which	PRON
ijtc-1512	180	19	increased	increase	VERB
ijtc-1512	180	20	risk	risk	NOUN
ijtc-1512	180	21	in	in	ADP
ijtc-1512	180	22	the	the	DET
ijtc-1512	180	23	clearing	clearing	NOUN
ijtc-1512	180	24	of	of	ADP
ijtc-1512	180	25	cheques	cheque	NOUN
ijtc-1512	180	26	.	.	PUNCT
ijtc-1512	181	1	the	the	DET
ijtc-1512	181	2	national	national	ADJ
ijtc-1512	181	3	payment	payment	NOUN
ijtc-1512	181	4	system	system	NOUN
ijtc-1512	181	5	banks	bank	NOUN
ijtc-1512	181	6	had	have	VERB
ijtc-1512	181	7	to	to	PART
ijtc-1512	181	8	provide	provide	VERB
ijtc-1512	181	9	funds	fund	NOUN
ijtc-1512	181	10	to	to	PART
ijtc-1512	181	11	clear	clear	VERB
ijtc-1512	181	12	the	the	DET
ijtc-1512	181	13	cheques	cheque	NOUN
ijtc-1512	181	14	,	,	PUNCT
ijtc-1512	181	15	shifts	shift	NOUN
ijtc-1512	181	16	,	,	PUNCT
ijtc-1512	181	17	or	or	CCONJ
ijtc-1512	181	18	reserves	reserve	NOUN
ijtc-1512	181	19	to	to	ADP
ijtc-1512	181	20	the	the	DET
ijtc-1512	181	21	clearing	clearing	NOUN
ijtc-1512	181	22	bank	bank	NOUN
ijtc-1512	181	23	and	and	CCONJ
ijtc-1512	181	24	(	(	PUNCT
ijtc-1512	181	25	or	or	CCONJ
ijtc-1512	181	26	)	)	PUNCT
ijtc-1512	181	27	reserve	reserve	VERB
ijtc-1512	181	28	banks	bank	NOUN
ijtc-1512	181	29	in	in	ADP
ijtc-1512	181	30	order	order	NOUN
ijtc-1512	181	31	to	to	PART
ijtc-1512	181	32	show	show	VERB
ijtc-1512	181	33	that	that	SCONJ
ijtc-1512	181	34	they	they	PRON
ijtc-1512	181	35	could	could	AUX
ijtc-1512	181	36	indemnify	indemnify	VERB
ijtc-1512	181	37	the	the	DET
ijtc-1512	181	38	customers	customer	NOUN
ijtc-1512	181	39	that	that	PRON
ijtc-1512	181	40	would	would	AUX
ijtc-1512	181	41	be	be	AUX
ijtc-1512	181	42	at	at	ADP
ijtc-1512	181	43	risk	risk	NOUN
ijtc-1512	181	44	of	of	ADP
ijtc-1512	181	45	banking	banking	NOUN
ijtc-1512	181	46	account	account	NOUN
ijtc-1512	181	47	debits	debit	NOUN
ijtc-1512	181	48	and	and	CCONJ
ijtc-1512	181	49	dishonours	dishonour	VERB
ijtc-1512	181	50	as	as	ADP
ijtc-1512	181	51	a	a	DET
ijtc-1512	181	52	pre	pre	ADJ
ijtc-1512	181	53	-	-	ADJ
ijtc-1512	181	54	payment	payment	ADJ
ijtc-1512	181	55	notification	notification	NOUN
ijtc-1512	181	56	.	.	PUNCT
ijtc-1512	182	1	(	(	PUNCT
ijtc-1512	182	2	mbah	mbah	PROPN
ijtc-1512	182	3	et	et	PROPN
ijtc-1512	182	4	al	al	PROPN
ijtc-1512	182	5	.	.	PROPN
ijtc-1512	182	6	,	,	PUNCT
ijtc-1512	182	7	2021	2021	NUM
ijtc-1512	182	8	;	;	PUNCT
ijtc-1512	182	9	bowden	bowden	PROPN
ijtc-1512	182	10	et	et	PROPN
ijtc-1512	182	11	al	al	PROPN
ijtc-1512	182	12	.	.	PROPN
ijtc-1512	182	13	,	,	PUNCT
ijtc-1512	182	14	2021	2021	NUM
ijtc-1512	182	15	;	;	PUNCT
ijtc-1512	182	16	mamudu	mamudu	NOUN
ijtc-1512	182	17	,	,	PUNCT
ijtc-1512	182	18	2021	2021	NUM
ijtc-1512	182	19	)	)	PUNCT
ijtc-1512	182	20	.	.	PUNCT
ijtc-1512	183	1	the	the	DET
ijtc-1512	183	2	reserve	reserve	PROPN
ijtc-1512	183	3	bank	bank	PROPN
ijtc-1512	183	4	enforced	enforce	VERB
ijtc-1512	183	5	the	the	DET
ijtc-1512	183	6	reserve	reserve	PROPN
ijtc-1512	183	7	bank	bank	PROPN
ijtc-1512	183	8	of	of	ADP
ijtc-1512	183	9	south	south	PROPN
ijtc-1512	183	10	africa	africa	PROPN
ijtc-1512	183	11	act	act	PROPN
ijtc-1512	183	12	,	,	PUNCT
ijtc-1512	183	13	implying	imply	VERB
ijtc-1512	183	14	that	that	SCONJ
ijtc-1512	183	15	all	all	DET
ijtc-1512	183	16	south	south	ADJ
ijtc-1512	183	17	africans	africans	PROPN
ijtc-1512	183	18	are	be	AUX
ijtc-1512	183	19	mandated	mandate	VERB
ijtc-1512	183	20	to	to	PART
ijtc-1512	183	21	use	use	VERB
ijtc-1512	183	22	e	e	NOUN
ijtc-1512	183	23	-	-	NOUN
ijtc-1512	183	24	payment	payment	NOUN
ijtc-1512	183	25	methods	method	NOUN
ijtc-1512	183	26	.	.	PUNCT
ijtc-1512	184	1	the	the	DET
ijtc-1512	184	2	success	success	NOUN
ijtc-1512	184	3	of	of	ADP
ijtc-1512	184	4	this	this	DET
ijtc-1512	184	5	policy	policy	NOUN
ijtc-1512	184	6	implied	imply	VERB
ijtc-1512	184	7	that	that	SCONJ
ijtc-1512	184	8	all	all	DET
ijtc-1512	184	9	partnerships	partnership	NOUN
ijtc-1512	184	10	,	,	PUNCT
ijtc-1512	184	11	such	such	ADJ
ijtc-1512	184	12	as	as	ADP
ijtc-1512	184	13	the	the	DET
ijtc-1512	184	14	south	south	ADJ
ijtc-1512	184	15	african	african	ADJ
ijtc-1512	184	16	government	government	NOUN
ijtc-1512	184	17	tax	tax	NOUN
ijtc-1512	184	18	invoices	invoice	NOUN
ijtc-1512	184	19	,	,	PUNCT
ijtc-1512	184	20	would	would	AUX
ijtc-1512	184	21	be	be	AUX
ijtc-1512	184	22	converted	convert	VERB
ijtc-1512	184	23	to	to	ADP
ijtc-1512	184	24	the	the	DET
ijtc-1512	184	25	cheapest	cheap	ADJ
ijtc-1512	184	26	e	e	ADJ
ijtc-1512	184	27	-	-	ADJ
ijtc-1512	184	28	payment	payment	NOUN
ijtc-1512	184	29	costs	cost	NOUN
ijtc-1512	184	30	–	–	PUNCT
ijtc-1512	184	31	electronic	electronic	ADJ
ijtc-1512	184	32	funds	fund	NOUN
ijtc-1512	184	33	transfers	transfer	NOUN
ijtc-1512	184	34	(	(	PUNCT
ijtc-1512	184	35	eft	eft	PROPN
ijtc-1512	184	36	)	)	PUNCT
ijtc-1512	184	37	.	.	PUNCT
ijtc-1512	185	1	if	if	SCONJ
ijtc-1512	185	2	there	there	PRON
ijtc-1512	185	3	were	be	VERB
ijtc-1512	185	4	no	no	DET
ijtc-1512	185	5	imposed	impose	VERB
ijtc-1512	185	6	policies	policy	NOUN
ijtc-1512	185	7	,	,	PUNCT
ijtc-1512	185	8	then	then	ADV
ijtc-1512	185	9	the	the	DET
ijtc-1512	185	10	objectives	objective	NOUN
ijtc-1512	185	11	stated	state	VERB
ijtc-1512	185	12	by	by	ADP
ijtc-1512	185	13	the	the	DET
ijtc-1512	185	14	regulators	regulator	NOUN
ijtc-1512	185	15	in	in	ADP
ijtc-1512	185	16	their	their	PRON
ijtc-1512	185	17	charter	charter	NOUN
ijtc-1512	185	18	would	would	AUX
ijtc-1512	185	19	not	not	PART
ijtc-1512	185	20	be	be	AUX
ijtc-1512	185	21	achieved	achieve	VERB
ijtc-1512	185	22	.	.	PUNCT
ijtc-1512	186	1	if	if	SCONJ
ijtc-1512	186	2	the	the	DET
ijtc-1512	186	3	regulations	regulation	NOUN
ijtc-1512	186	4	were	be	AUX
ijtc-1512	186	5	not	not	PART
ijtc-1512	186	6	enforced	enforce	VERB
ijtc-1512	186	7	,	,	PUNCT
ijtc-1512	186	8	users	user	NOUN
ijtc-1512	186	9	would	would	AUX
ijtc-1512	186	10	continue	continue	VERB
ijtc-1512	186	11	to	to	PART
ijtc-1512	186	12	pay	pay	VERB
ijtc-1512	186	13	expensively	expensively	ADV
ijtc-1512	186	14	as	as	SCONJ
ijtc-1512	186	15	the	the	DET
ijtc-1512	186	16	payments	payment	NOUN
ijtc-1512	186	17	were	be	AUX
ijtc-1512	186	18	(	(	PUNCT
ijtc-1512	186	19	and	and	CCONJ
ijtc-1512	186	20	are	be	AUX
ijtc-1512	186	21	)	)	PUNCT
ijtc-1512	186	22	still	still	ADV
ijtc-1512	186	23	clearing	clear	VERB
ijtc-1512	186	24	and	and	CCONJ
ijtc-1512	186	25	floating	float	VERB
ijtc-1512	186	26	(	(	PUNCT
ijtc-1512	186	27	schulze	schulze	NOUN
ijtc-1512	186	28	,	,	PUNCT
ijtc-1512	186	29	2020	2020	NUM
ijtc-1512	186	30	;	;	PUNCT
ijtc-1512	186	31	olukayode2021	olukayode2021	PROPN
ijtc-1512	186	32	;	;	PUNCT
ijtc-1512	186	33	gronbach	gronbach	NOUN
ijtc-1512	186	34	,	,	PUNCT
ijtc-1512	186	35	2020	2020	NUM
ijtc-1512	186	36	;	;	PUNCT
ijtc-1512	186	37	ntimane	ntimane	NOUN
ijtc-1512	186	38	,	,	PUNCT
ijtc-1512	186	39	2020	2020	NUM
ijtc-1512	186	40	;	;	PUNCT
ijtc-1512	186	41	chitimira	chitimira	PROPN
ijtc-1512	186	42	&	&	CCONJ
ijtc-1512	186	43	ncube2023	ncube2023	PROPN
ijtc-1512	186	44	;	;	PUNCT
ijtc-1512	186	45	simatele	simatele	PROPN
ijtc-1512	186	46	&	&	CCONJ
ijtc-1512	186	47	mbedzi	mbedzi	PROPN
ijtc-1512	186	48	,	,	PUNCT
ijtc-1512	186	49	2021	2021	NUM
ijtc-1512	186	50	;	;	PUNCT
ijtc-1512	186	51	domingo	domingo	PROPN
ijtc-1512	186	52	et	et	PROPN
ijtc-1512	186	53	al	al	PROPN
ijtc-1512	186	54	.	.	PROPN
ijtc-1512	186	55	,	,	PUNCT
ijtc-1512	186	56	2023	2023	NUM
ijtc-1512	186	57	)	)	PUNCT
ijtc-1512	186	58	.	.	PUNCT
ijtc-1512	187	1	the	the	DET
ijtc-1512	187	2	protection	protection	NOUN
ijtc-1512	187	3	of	of	ADP
ijtc-1512	187	4	personal	personal	ADJ
ijtc-1512	187	5	information	information	NOUN
ijtc-1512	187	6	act	act	VERB
ijtc-1512	187	7	no	no	INTJ
ijtc-1512	187	8	.	.	NOUN
ijtc-1512	187	9	4	4	NUM
ijtc-1512	187	10	of	of	ADP
ijtc-1512	187	11	2013	2013	NUM
ijtc-1512	187	12	(	(	PUNCT
ijtc-1512	187	13	popi	popi	PROPN
ijtc-1512	187	14	)	)	PUNCT
ijtc-1512	187	15	addresses	address	VERB
ijtc-1512	187	16	the	the	DET
ijtc-1512	187	17	right	right	NOUN
ijtc-1512	187	18	to	to	ADP
ijtc-1512	187	19	privacy	privacy	NOUN
ijtc-1512	187	20	and	and	CCONJ
ijtc-1512	187	21	secure	secure	VERB
ijtc-1512	187	22	consumer	consumer	NOUN
ijtc-1512	187	23	protection	protection	NOUN
ijtc-1512	187	24	for	for	ADP
ijtc-1512	187	25	personal	personal	ADJ
ijtc-1512	187	26	information	information	NOUN
ijtc-1512	187	27	processed	process	VERB
ijtc-1512	187	28	by	by	ADP
ijtc-1512	187	29	businesses	business	NOUN
ijtc-1512	187	30	.	.	PUNCT
ijtc-1512	188	1	it	it	PRON
ijtc-1512	188	2	also	also	ADV
ijtc-1512	188	3	promotes	promote	VERB
ijtc-1512	188	4	the	the	DET
ijtc-1512	188	5	protection	protection	NOUN
ijtc-1512	188	6	of	of	ADP
ijtc-1512	188	7	personal	personal	ADJ
ijtc-1512	188	8	information	information	NOUN
ijtc-1512	188	9	and	and	CCONJ
ijtc-1512	188	10	regulates	regulate	VERB
ijtc-1512	188	11	how	how	SCONJ
ijtc-1512	188	12	it	it	PRON
ijtc-1512	188	13	is	be	AUX
ijtc-1512	188	14	processed	process	VERB
ijtc-1512	188	15	.	.	PUNCT
ijtc-1512	189	1	this	this	DET
ijtc-1512	189	2	act	act	NOUN
ijtc-1512	189	3	establishes	establish	VERB
ijtc-1512	189	4	a	a	DET
ijtc-1512	189	5	standard	standard	NOUN
ijtc-1512	189	6	for	for	ADP
ijtc-1512	189	7	the	the	DET
ijtc-1512	189	8	protection	protection	NOUN
ijtc-1512	189	9	of	of	ADP
ijtc-1512	189	10	personal	personal	ADJ
ijtc-1512	189	11	information	information	NOUN
ijtc-1512	189	12	and	and	CCONJ
ijtc-1512	189	13	defines	define	VERB
ijtc-1512	189	14	responsible	responsible	ADJ
ijtc-1512	189	15	parties	party	NOUN
ijtc-1512	189	16	,	,	PUNCT
ijtc-1512	189	17	private	private	ADJ
ijtc-1512	189	18	bodies	body	NOUN
ijtc-1512	189	19	,	,	PUNCT
ijtc-1512	189	20	and	and	CCONJ
ijtc-1512	189	21	the	the	DET
ijtc-1512	189	22	processing	processing	NOUN
ijtc-1512	189	23	of	of	ADP
ijtc-1512	189	24	information	information	NOUN
ijtc-1512	189	25	for	for	ADP
ijtc-1512	189	26	its	its	PRON
ijtc-1512	189	27	protection	protection	NOUN
ijtc-1512	189	28	.	.	PUNCT
ijtc-1512	190	1	processing	processing	NOUN
ijtc-1512	190	2	of	of	ADP
ijtc-1512	190	3	information	information	NOUN
ijtc-1512	190	4	involves	involve	VERB
ijtc-1512	190	5	any	any	DET
ijtc-1512	190	6	person	person	NOUN
ijtc-1512	190	7	who	who	PRON
ijtc-1512	190	8	processes	process	VERB
ijtc-1512	190	9	information	information	NOUN
ijtc-1512	190	10	in	in	ADP
ijtc-1512	190	11	south	south	PROPN
ijtc-1512	190	12	africa	africa	PROPN
ijtc-1512	190	13	.	.	PUNCT
ijtc-1512	191	1	any	any	DET
ijtc-1512	191	2	person	person	NOUN
ijtc-1512	191	3	is	be	AUX
ijtc-1512	191	4	defined	define	VERB
ijtc-1512	191	5	as	as	ADP
ijtc-1512	191	6	an	an	DET
ijtc-1512	191	7	individual	individual	ADJ
ijtc-1512	191	8	,	,	PUNCT
ijtc-1512	191	9	body	body	NOUN
ijtc-1512	191	10	corporate	corporate	ADJ
ijtc-1512	191	11	,	,	PUNCT
ijtc-1512	191	12	partnership	partnership	NOUN
ijtc-1512	191	13	,	,	PUNCT
ijtc-1512	191	14	trust	trust	NOUN
ijtc-1512	191	15	,	,	PUNCT
ijtc-1512	191	16	or	or	CCONJ
ijtc-1512	191	17	any	any	DET
ijtc-1512	191	18	form	form	NOUN
ijtc-1512	191	19	of	of	ADP
ijtc-1512	191	20	association	association	NOUN
ijtc-1512	191	21	(	(	PUNCT
ijtc-1512	191	22	fryer	fryer	NOUN
ijtc-1512	191	23	,	,	PUNCT
ijtc-1512	191	24	2021	2021	NUM
ijtc-1512	191	25	;	;	PUNCT
ijtc-1512	191	26	netshakhuma	netshakhuma	ADV
ijtc-1512	191	27	,	,	PUNCT
ijtc-1512	191	28	da	da	PROPN
ijtc-1512	191	29	et	et	PROPN
ijtc-1512	191	30	al	al	PROPN
ijtc-1512	191	31	.	.	PROPN
ijtc-1512	191	32	,	,	PUNCT
ijtc-1512	191	33	2020	2020	NUM
ijtc-1512	191	34	)	)	PUNCT
ijtc-1512	191	35	.	.	PUNCT
ijtc-1512	192	1	the	the	DET
ijtc-1512	192	2	popi	popi	PROPN
ijtc-1512	192	3	act	act	PROPN
ijtc-1512	192	4	allows	allow	VERB
ijtc-1512	192	5	for	for	ADP
ijtc-1512	192	6	the	the	DET
ijtc-1512	192	7	retention	retention	NOUN
ijtc-1512	192	8	of	of	ADP
ijtc-1512	192	9	paper	paper	NOUN
ijtc-1512	192	10	-	-	PUNCT
ijtc-1512	192	11	based	base	VERB
ijtc-1512	192	12	records	record	NOUN
ijtc-1512	192	13	.	.	PUNCT
ijtc-1512	193	1	however	however	ADV
ijtc-1512	193	2	,	,	PUNCT
ijtc-1512	193	3	once	once	SCONJ
ijtc-1512	193	4	information	information	NOUN
ijtc-1512	193	5	is	be	AUX
ijtc-1512	193	6	captured	capture	VERB
ijtc-1512	193	7	in	in	ADP
ijtc-1512	193	8	electronic	electronic	ADJ
ijtc-1512	193	9	form	form	NOUN
ijtc-1512	193	10	,	,	PUNCT
ijtc-1512	193	11	these	these	DET
ijtc-1512	193	12	paper	paper	NOUN
ijtc-1512	193	13	-	-	PUNCT
ijtc-1512	193	14	based	base	VERB
ijtc-1512	193	15	records	record	NOUN
ijtc-1512	193	16	may	may	AUX
ijtc-1512	193	17	be	be	AUX
ijtc-1512	193	18	destroyed	destroy	VERB
ijtc-1512	193	19	.	.	PUNCT
ijtc-1512	194	1	the	the	DET
ijtc-1512	194	2	records	record	NOUN
ijtc-1512	194	3	should	should	AUX
ijtc-1512	194	4	be	be	AUX
ijtc-1512	194	5	retained	retain	VERB
ijtc-1512	194	6	if	if	SCONJ
ijtc-1512	194	7	required	require	VERB
ijtc-1512	194	8	by	by	ADP
ijtc-1512	194	9	law	law	NOUN
ijtc-1512	194	10	,	,	PUNCT
ijtc-1512	194	11	contract	contract	NOUN
ijtc-1512	194	12	,	,	PUNCT
ijtc-1512	194	13	or	or	CCONJ
ijtc-1512	194	14	any	any	DET
ijtc-1512	194	15	agreement	agreement	NOUN
ijtc-1512	194	16	with	with	ADP
ijtc-1512	194	17	a	a	DET
ijtc-1512	194	18	third	third	ADJ
ijtc-1512	194	19	party	party	NOUN
ijtc-1512	194	20	.	.	PUNCT
ijtc-1512	195	1	consumer	consumer	NOUN
ijtc-1512	195	2	protection	protection	NOUN
ijtc-1512	195	3	is	be	AUX
ijtc-1512	195	4	increasingly	increasingly	ADV
ijtc-1512	195	5	important	important	ADJ
ijtc-1512	195	6	for	for	ADP
ijtc-1512	195	7	both	both	DET
ijtc-1512	195	8	businesses	business	NOUN
ijtc-1512	195	9	and	and	CCONJ
ijtc-1512	195	10	consumers	consumer	NOUN
ijtc-1512	195	11	.	.	PUNCT
ijtc-1512	196	1	the	the	DET
ijtc-1512	196	2	consumer	consumer	NOUN
ijtc-1512	196	3	protection	protection	PROPN
ijtc-1512	196	4	act	act	VERB
ijtc-1512	196	5	no	no	INTJ
ijtc-1512	196	6	.	.	PROPN
ijtc-1512	196	7	68	68	NUM
ijtc-1512	196	8	of	of	ADP
ijtc-1512	196	9	2008	2008	NUM
ijtc-1512	196	10	(	(	PUNCT
ijtc-1512	196	11	lcpa	lcpa	PROPN
ijtc-1512	196	12	)	)	PUNCT
ijtc-1512	196	13	came	come	VERB
ijtc-1512	196	14	into	into	ADP
ijtc-1512	196	15	effect	effect	NOUN
ijtc-1512	196	16	on	on	ADP
ijtc-1512	196	17	1	1	NUM
ijtc-1512	196	18	april	april	PROPN
ijtc-1512	196	19	2011	2011	NUM
ijtc-1512	196	20	.	.	PUNCT
ijtc-1512	197	1	this	this	DET
ijtc-1512	197	2	act	act	NOUN
ijtc-1512	197	3	provides	provide	VERB
ijtc-1512	197	4	a	a	DET
ijtc-1512	197	5	new	new	ADJ
ijtc-1512	197	6	regulatory	regulatory	ADJ
ijtc-1512	197	7	regime	regime	NOUN
ijtc-1512	197	8	for	for	ADP
ijtc-1512	197	9	the	the	DET
ijtc-1512	197	10	protection	protection	NOUN
ijtc-1512	197	11	of	of	ADP
ijtc-1512	197	12	consumers	consumer	NOUN
ijtc-1512	197	13	in	in	ADP
ijtc-1512	197	14	south	south	PROPN
ijtc-1512	197	15	africa	africa	PROPN
ijtc-1512	197	16	.	.	PUNCT
ijtc-1512	198	1	it	it	PRON
ijtc-1512	198	2	explains	explain	VERB
ijtc-1512	198	3	how	how	SCONJ
ijtc-1512	198	4	businesses	business	NOUN
ijtc-1512	198	5	relate	relate	VERB
ijtc-1512	198	6	to	to	ADP
ijtc-1512	198	7	consumers	consumer	NOUN
ijtc-1512	198	8	,	,	PUNCT
ijtc-1512	198	9	including	include	VERB
ijtc-1512	198	10	advertisements	advertisement	NOUN
ijtc-1512	198	11	,	,	PUNCT
ijtc-1512	198	12	marketing	marketing	NOUN
ijtc-1512	198	13	,	,	PUNCT
ijtc-1512	198	14	and	and	CCONJ
ijtc-1512	198	15	promotional	promotional	ADJ
ijtc-1512	198	16	activities	activity	NOUN
ijtc-1512	198	17	.	.	PUNCT
ijtc-1512	199	1	it	it	PRON
ijtc-1512	199	2	prevents	prevent	VERB
ijtc-1512	199	3	businesses	business	NOUN
ijtc-1512	199	4	from	from	ADP
ijtc-1512	199	5	discriminating	discriminate	VERB
ijtc-1512	199	6	against	against	ADP
ijtc-1512	199	7	consumers	consumer	NOUN
ijtc-1512	199	8	and	and	CCONJ
ijtc-1512	199	9	helps	help	VERB
ijtc-1512	199	10	prevent	prevent	VERB
ijtc-1512	199	11	the	the	DET
ijtc-1512	199	12	exploitation	exploitation	NOUN
ijtc-1512	199	13	of	of	ADP
ijtc-1512	199	14	developing	develop	VERB
ijtc-1512	199	15	consumer	consumer	NOUN
ijtc-1512	199	16	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1512	199	17	examining	examine	VERB
ijtc-1512	199	18	the	the	DET
ijtc-1512	199	19	management	management	NOUN
ijtc-1512	199	20	impact	impact	NOUN
ijtc-1512	199	21	:	:	PUNCT
ijtc-1512	199	22	a	a	DET
ijtc-1512	199	23	literature	literature	NOUN
ijtc-1512	199	24	review	review	NOUN
ijtc-1512	199	25	on	on	ADP
ijtc-1512	199	26	the	the	DET
ijtc-1512	199	27	phasing	phasing	NOUN
ijtc-1512	199	28	out	out	ADP
ijtc-1512	199	29	of	of	ADP
ijtc-1512	199	30	cheques	cheque	NOUN
ijtc-1512	199	31	in	in	ADP
ijtc-1512	199	32	south	south	PROPN
ijtc-1512	199	33	africa	africa	PROPN
ijtc-1512	199	34	abrahams	abrahams	PROPN
ijtc-1512	199	35	and	and	CCONJ
ijtc-1512	199	36	pretorius	pretorius	NOUN
ijtc-1512	199	37	10	10	NUM
ijtc-1512	199	38	|	|	ADV
ijtc-1512	199	39	ilomata	ilomata	PROPN
ijtc-1512	199	40	international	international	ADJ
ijtc-1512	199	41	journal	journal	NOUN
ijtc-1512	199	42	of	of	ADP
ijtc-1512	199	43	tax	tax	PROPN
ijtc-1512	199	44	&	&	CCONJ
ijtc-1512	199	45	accounting	account	VERB
ijtc-1512	199	46	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	199	47	power	power	NOUN
ijtc-1512	199	48	.	.	PUNCT
ijtc-1512	200	1	the	the	DET
ijtc-1512	200	2	act	act	NOUN
ijtc-1512	200	3	also	also	ADV
ijtc-1512	200	4	promotes	promote	VERB
ijtc-1512	200	5	positive	positive	ADJ
ijtc-1512	200	6	business	business	NOUN
ijtc-1512	200	7	and	and	CCONJ
ijtc-1512	200	8	consumer	consumer	NOUN
ijtc-1512	200	9	relations	relation	NOUN
ijtc-1512	200	10	and	and	CCONJ
ijtc-1512	200	11	social	social	ADJ
ijtc-1512	200	12	and	and	CCONJ
ijtc-1512	200	13	economic	economic	ADJ
ijtc-1512	200	14	welfare	welfare	NOUN
ijtc-1512	200	15	.	.	PUNCT
ijtc-1512	201	1	it	it	PRON
ijtc-1512	201	2	emphasizes	emphasize	VERB
ijtc-1512	201	3	that	that	SCONJ
ijtc-1512	201	4	all	all	PRON
ijtc-1512	201	5	electronically	electronically	ADV
ijtc-1512	201	6	stored	store	VERB
ijtc-1512	201	7	records	record	NOUN
ijtc-1512	201	8	must	must	AUX
ijtc-1512	201	9	meet	meet	VERB
ijtc-1512	201	10	specific	specific	ADJ
ijtc-1512	201	11	technological	technological	ADJ
ijtc-1512	201	12	standards	standard	NOUN
ijtc-1512	201	13	to	to	PART
ijtc-1512	201	14	be	be	AUX
ijtc-1512	201	15	valid	valid	ADJ
ijtc-1512	201	16	and	and	CCONJ
ijtc-1512	201	17	effective	effective	ADJ
ijtc-1512	201	18	.	.	PUNCT
ijtc-1512	202	1	this	this	DET
ijtc-1512	202	2	act	act	NOUN
ijtc-1512	202	3	particularly	particularly	ADV
ijtc-1512	202	4	affects	affect	VERB
ijtc-1512	202	5	businesses	business	NOUN
ijtc-1512	202	6	where	where	SCONJ
ijtc-1512	202	7	records	record	NOUN
ijtc-1512	202	8	are	be	AUX
ijtc-1512	202	9	transferred	transfer	VERB
ijtc-1512	202	10	electronically	electronically	ADV
ijtc-1512	202	11	during	during	ADP
ijtc-1512	202	12	business	business	NOUN
ijtc-1512	202	13	transactions	transaction	NOUN
ijtc-1512	202	14	.	.	PUNCT
ijtc-1512	203	1	it	it	PRON
ijtc-1512	203	2	promotes	promote	VERB
ijtc-1512	203	3	consumer	consumer	NOUN
ijtc-1512	203	4	protection	protection	NOUN
ijtc-1512	203	5	interests	interest	NOUN
ijtc-1512	203	6	and	and	CCONJ
ijtc-1512	203	7	considerations	consideration	NOUN
ijtc-1512	203	8	and	and	CCONJ
ijtc-1512	203	9	applies	apply	VERB
ijtc-1512	203	10	to	to	ADP
ijtc-1512	203	11	businesses	business	NOUN
ijtc-1512	203	12	,	,	PUNCT
ijtc-1512	203	13	consumers	consumer	NOUN
ijtc-1512	203	14	,	,	PUNCT
ijtc-1512	203	15	and	and	CCONJ
ijtc-1512	203	16	property	property	NOUN
ijtc-1512	203	17	transactions	transaction	NOUN
ijtc-1512	203	18	.	.	PUNCT
ijtc-1512	204	1	it	it	PRON
ijtc-1512	204	2	provides	provide	VERB
ijtc-1512	204	3	consumer	consumer	NOUN
ijtc-1512	204	4	education	education	NOUN
ijtc-1512	204	5	and	and	CCONJ
ijtc-1512	204	6	promotes	promote	VERB
ijtc-1512	204	7	consumer	consumer	NOUN
ijtc-1512	204	8	rights	right	NOUN
ijtc-1512	204	9	.	.	PUNCT
ijtc-1512	205	1	it	it	PRON
ijtc-1512	205	2	also	also	ADV
ijtc-1512	205	3	governs	govern	VERB
ijtc-1512	205	4	complaints	complaint	NOUN
ijtc-1512	205	5	to	to	ADP
ijtc-1512	205	6	the	the	DET
ijtc-1512	205	7	national	national	ADJ
ijtc-1512	205	8	consumer	consumer	PROPN
ijtc-1512	205	9	commission	commission	PROPN
ijtc-1512	205	10	.	.	PUNCT
ijtc-1512	206	1	(	(	PUNCT
ijtc-1512	206	2	potwana	potwana	PROPN
ijtc-1512	206	3	,	,	PUNCT
ijtc-1512	206	4	2022	2022	NUM
ijtc-1512	206	5	;	;	PUNCT
ijtc-1512	206	6	tentu	tentu	VERB
ijtc-1512	206	7	,	,	PUNCT
ijtc-1512	206	8	2023	2023	NUM
ijtc-1512	206	9	;	;	PUNCT
ijtc-1512	206	10	laing	laing	PROPN
ijtc-1512	206	11	,	,	PUNCT
ijtc-1512	206	12	2021	2021	NUM
ijtc-1512	206	13	)	)	PUNCT
ijtc-1512	206	14	.	.	PUNCT
ijtc-1512	207	1	many	many	ADJ
ijtc-1512	207	2	small	small	ADJ
ijtc-1512	207	3	and	and	CCONJ
ijtc-1512	207	4	medium	medium	ADJ
ijtc-1512	207	5	enterprises	enterprise	NOUN
ijtc-1512	207	6	(	(	PUNCT
ijtc-1512	207	7	smes	sme	NOUN
ijtc-1512	207	8	)	)	PUNCT
ijtc-1512	207	9	prioritize	prioritize	VERB
ijtc-1512	207	10	managing	manage	VERB
ijtc-1512	207	11	cash	cash	NOUN
ijtc-1512	207	12	flow	flow	NOUN
ijtc-1512	207	13	,	,	PUNCT
ijtc-1512	207	14	recognizing	recognize	VERB
ijtc-1512	207	15	that	that	SCONJ
ijtc-1512	207	16	hoarding	hoard	VERB
ijtc-1512	207	17	cheques	cheque	NOUN
ijtc-1512	207	18	can	can	AUX
ijtc-1512	207	19	be	be	AUX
ijtc-1512	207	20	a	a	DET
ijtc-1512	207	21	common	common	ADJ
ijtc-1512	207	22	oversight	oversight	NOUN
ijtc-1512	207	23	in	in	ADP
ijtc-1512	207	24	sme	sme	NOUN
ijtc-1512	207	25	operations	operation	NOUN
ijtc-1512	207	26	.	.	PUNCT
ijtc-1512	208	1	it	it	PRON
ijtc-1512	208	2	's	be	AUX
ijtc-1512	208	3	evident	evident	ADJ
ijtc-1512	208	4	that	that	SCONJ
ijtc-1512	208	5	relying	rely	VERB
ijtc-1512	208	6	heavily	heavily	ADV
ijtc-1512	208	7	on	on	ADP
ijtc-1512	208	8	cheques	cheque	NOUN
ijtc-1512	208	9	can	can	AUX
ijtc-1512	208	10	hinder	hinder	VERB
ijtc-1512	208	11	a	a	DET
ijtc-1512	208	12	business	business	NOUN
ijtc-1512	208	13	's	's	PART
ijtc-1512	208	14	future	future	ADJ
ijtc-1512	208	15	growth	growth	NOUN
ijtc-1512	208	16	potential	potential	NOUN
ijtc-1512	208	17	.	.	PUNCT
ijtc-1512	209	1	cash	cash	NOUN
ijtc-1512	209	2	management	management	NOUN
ijtc-1512	209	3	strategies	strategy	NOUN
ijtc-1512	209	4	should	should	AUX
ijtc-1512	209	5	ensure	ensure	VERB
ijtc-1512	209	6	that	that	SCONJ
ijtc-1512	209	7	highly	highly	ADV
ijtc-1512	209	8	liquid	liquid	ADJ
ijtc-1512	209	9	cash	cash	NOUN
ijtc-1512	209	10	needs	need	NOUN
ijtc-1512	209	11	can	can	AUX
ijtc-1512	209	12	be	be	AUX
ijtc-1512	209	13	met	meet	VERB
ijtc-1512	209	14	promptly	promptly	ADV
ijtc-1512	209	15	,	,	PUNCT
ijtc-1512	209	16	ideally	ideally	ADV
ijtc-1512	209	17	within	within	ADP
ijtc-1512	209	18	two	two	NUM
ijtc-1512	209	19	to	to	PART
ijtc-1512	209	20	three	three	NUM
ijtc-1512	209	21	days	day	NOUN
ijtc-1512	209	22	,	,	PUNCT
ijtc-1512	209	23	and	and	CCONJ
ijtc-1512	209	24	no	no	ADV
ijtc-1512	209	25	longer	long	ADV
ijtc-1512	209	26	than	than	ADP
ijtc-1512	209	27	five	five	NUM
ijtc-1512	209	28	trading	trading	NOUN
ijtc-1512	209	29	days	day	NOUN
ijtc-1512	209	30	.	.	PUNCT
ijtc-1512	210	1	the	the	DET
ijtc-1512	210	2	objective	objective	NOUN
ijtc-1512	210	3	is	be	AUX
ijtc-1512	210	4	to	to	PART
ijtc-1512	210	5	minimize	minimize	VERB
ijtc-1512	210	6	the	the	DET
ijtc-1512	210	7	amount	amount	NOUN
ijtc-1512	210	8	of	of	ADP
ijtc-1512	210	9	cash	cash	NOUN
ijtc-1512	210	10	tied	tie	VERB
ijtc-1512	210	11	up	up	ADP
ijtc-1512	210	12	,	,	PUNCT
ijtc-1512	210	13	thereby	thereby	ADV
ijtc-1512	210	14	mitigating	mitigate	VERB
ijtc-1512	210	15	cash	cash	NOUN
ijtc-1512	210	16	flow	flow	NOUN
ijtc-1512	210	17	challenges	challenge	NOUN
ijtc-1512	210	18	and	and	CCONJ
ijtc-1512	210	19	potential	potential	ADJ
ijtc-1512	210	20	liquidity	liquidity	NOUN
ijtc-1512	210	21	issues	issue	NOUN
ijtc-1512	210	22	.	.	PUNCT
ijtc-1512	211	1	simply	simply	ADV
ijtc-1512	211	2	accelerating	accelerate	VERB
ijtc-1512	211	3	the	the	DET
ijtc-1512	211	4	speed	speed	NOUN
ijtc-1512	211	5	of	of	ADP
ijtc-1512	211	6	fund	fund	NOUN
ijtc-1512	211	7	clearance	clearance	NOUN
ijtc-1512	211	8	through	through	ADP
ijtc-1512	211	9	banking	banking	NOUN
ijtc-1512	211	10	operations	operation	NOUN
ijtc-1512	211	11	does	do	AUX
ijtc-1512	211	12	not	not	PART
ijtc-1512	211	13	address	address	VERB
ijtc-1512	211	14	the	the	DET
ijtc-1512	211	15	underlying	underlie	VERB
ijtc-1512	211	16	issue	issue	NOUN
ijtc-1512	211	17	of	of	ADP
ijtc-1512	211	18	cash	cash	NOUN
ijtc-1512	211	19	lock	lock	NOUN
ijtc-1512	211	20	-	-	PUNCT
ijtc-1512	211	21	up	up	NOUN
ijtc-1512	211	22	.	.	PUNCT
ijtc-1512	212	1	the	the	DET
ijtc-1512	212	2	rules	rule	NOUN
ijtc-1512	212	3	governing	govern	VERB
ijtc-1512	212	4	the	the	DET
ijtc-1512	212	5	reserve	reserve	ADJ
ijtc-1512	212	6	normal	normal	ADJ
ijtc-1512	212	7	clearance	clearance	NOUN
ijtc-1512	212	8	(	(	PUNCT
ijtc-1512	212	9	rnc	rnc	NOUN
ijtc-1512	212	10	)	)	PUNCT
ijtc-1512	212	11	process	process	NOUN
ijtc-1512	212	12	stipulate	stipulate	NOUN
ijtc-1512	212	13	that	that	SCONJ
ijtc-1512	212	14	insufficient	insufficient	ADJ
ijtc-1512	212	15	cleared	clear	VERB
ijtc-1512	212	16	funds	fund	NOUN
ijtc-1512	212	17	are	be	AUX
ijtc-1512	212	18	the	the	DET
ijtc-1512	212	19	primary	primary	ADJ
ijtc-1512	212	20	factor	factor	NOUN
ijtc-1512	212	21	contributing	contribute	VERB
ijtc-1512	212	22	to	to	ADP
ijtc-1512	212	23	liquidity	liquidity	NOUN
ijtc-1512	212	24	strains	strain	NOUN
ijtc-1512	212	25	.	.	PUNCT
ijtc-1512	213	1	online	online	ADJ
ijtc-1512	213	2	payment	payment	NOUN
ijtc-1512	213	3	solutions	solution	NOUN
ijtc-1512	213	4	,	,	PUNCT
ijtc-1512	213	5	such	such	ADJ
ijtc-1512	213	6	as	as	ADP
ijtc-1512	213	7	electronic	electronic	ADJ
ijtc-1512	213	8	funds	fund	NOUN
ijtc-1512	213	9	transfers	transfer	NOUN
ijtc-1512	213	10	(	(	PUNCT
ijtc-1512	213	11	efts	eft	NOUN
ijtc-1512	213	12	)	)	PUNCT
ijtc-1512	213	13	and	and	CCONJ
ijtc-1512	213	14	instant	instant	NOUN
ijtc-1512	213	15	payments	payment	NOUN
ijtc-1512	213	16	,	,	PUNCT
ijtc-1512	213	17	facilitate	facilitate	VERB
ijtc-1512	213	18	rapid	rapid	ADJ
ijtc-1512	213	19	settlement	settlement	NOUN
ijtc-1512	213	20	of	of	ADP
ijtc-1512	213	21	funds	fund	NOUN
ijtc-1512	213	22	between	between	ADP
ijtc-1512	213	23	different	different	ADJ
ijtc-1512	213	24	bank	bank	NOUN
ijtc-1512	213	25	platforms	platform	NOUN
ijtc-1512	213	26	,	,	PUNCT
ijtc-1512	213	27	often	often	ADV
ijtc-1512	213	28	within	within	ADP
ijtc-1512	213	29	hours	hour	NOUN
ijtc-1512	213	30	or	or	CCONJ
ijtc-1512	213	31	even	even	ADV
ijtc-1512	213	32	seconds	second	NOUN
ijtc-1512	213	33	.	.	PUNCT
ijtc-1512	214	1	this	this	PRON
ijtc-1512	214	2	inherently	inherently	ADV
ijtc-1512	214	3	reduces	reduce	VERB
ijtc-1512	214	4	cash	cash	NOUN
ijtc-1512	214	5	lock	lock	NOUN
ijtc-1512	214	6	-	-	PUNCT
ijtc-1512	214	7	up	up	NOUN
ijtc-1512	214	8	,	,	PUNCT
ijtc-1512	214	9	as	as	SCONJ
ijtc-1512	214	10	funds	fund	NOUN
ijtc-1512	214	11	are	be	AUX
ijtc-1512	214	12	swiftly	swiftly	ADV
ijtc-1512	214	13	transferred	transfer	VERB
ijtc-1512	214	14	between	between	ADP
ijtc-1512	214	15	banks	bank	NOUN
ijtc-1512	214	16	,	,	PUNCT
ijtc-1512	214	17	enhancing	enhance	VERB
ijtc-1512	214	18	liquidity	liquidity	NOUN
ijtc-1512	214	19	and	and	CCONJ
ijtc-1512	214	20	minimizing	minimize	VERB
ijtc-1512	214	21	cash	cash	NOUN
ijtc-1512	214	22	flow	flow	NOUN
ijtc-1512	214	23	disruptions	disruption	NOUN
ijtc-1512	214	24	(	(	PUNCT
ijtc-1512	214	25	tut	tut	NOUN
ijtc-1512	214	26	,	,	PUNCT
ijtc-1512	214	27	2023	2023	NUM
ijtc-1512	214	28	;	;	PUNCT
ijtc-1512	214	29	mann	mann	PROPN
ijtc-1512	214	30	,	,	PUNCT
ijtc-1512	214	31	2023	2023	NUM
ijtc-1512	214	32	;	;	PUNCT
ijtc-1512	214	33	kronick	kronick	PROPN
ijtc-1512	214	34	&	&	CCONJ
ijtc-1512	214	35	koeppl	koeppl	PROPN
ijtc-1512	214	36	,	,	PUNCT
ijtc-1512	214	37	2023	2023	NUM
ijtc-1512	214	38	;	;	PUNCT
ijtc-1512	214	39	oluwasegun	oluwasegun	VERB
ijtc-1512	214	40	et	et	PROPN
ijtc-1512	214	41	al	al	PROPN
ijtc-1512	214	42	.	.	PROPN
ijtc-1512	214	43	,	,	PUNCT
ijtc-1512	214	44	2021	2021	NUM
ijtc-1512	214	45	;	;	PUNCT
ijtc-1512	214	46	una	una	PROPN
ijtc-1512	214	47	et	et	PROPN
ijtc-1512	214	48	al	al	PROPN
ijtc-1512	214	49	.	.	PROPN
ijtc-1512	214	50	,	,	PUNCT
ijtc-1512	214	51	2020	2020	NUM
ijtc-1512	214	52	;	;	PUNCT
ijtc-1512	214	53	khan	khan	PROPN
ijtc-1512	214	54	;	;	PUNCT
ijtc-1512	214	55	faccia	faccia	PROPN
ijtc-1512	214	56	,	,	PUNCT
ijtc-1512	214	57	2023	2023	NUM
ijtc-1512	214	58	;	;	PUNCT
ijtc-1512	214	59	maghsoudi	maghsoudi	PROPN
ijtc-1512	214	60	et	et	PROPN
ijtc-1512	214	61	al	al	PROPN
ijtc-1512	214	62	.	.	PROPN
ijtc-1512	214	63	,	,	PUNCT
ijtc-1512	214	64	2023	2023	NUM
ijtc-1512	214	65	)	)	PUNCT
ijtc-1512	214	66	.	.	PUNCT
ijtc-1512	215	1	most	most	ADJ
ijtc-1512	215	2	sme	sme	PROPN
ijtc-1512	215	3	payment	payment	NOUN
ijtc-1512	215	4	systems	system	NOUN
ijtc-1512	215	5	are	be	AUX
ijtc-1512	215	6	not	not	PART
ijtc-1512	215	7	the	the	DET
ijtc-1512	215	8	most	most	ADV
ijtc-1512	215	9	efficient	efficient	ADJ
ijtc-1512	215	10	,	,	PUNCT
ijtc-1512	215	11	and	and	CCONJ
ijtc-1512	215	12	often	often	ADV
ijtc-1512	215	13	the	the	DET
ijtc-1512	215	14	costs	cost	NOUN
ijtc-1512	215	15	of	of	ADP
ijtc-1512	215	16	processing	process	VERB
ijtc-1512	215	17	these	these	DET
ijtc-1512	215	18	payment	payment	NOUN
ijtc-1512	215	19	systems	system	NOUN
ijtc-1512	215	20	are	be	AUX
ijtc-1512	215	21	not	not	PART
ijtc-1512	215	22	taken	take	VERB
ijtc-1512	215	23	into	into	ADP
ijtc-1512	215	24	consideration	consideration	NOUN
ijtc-1512	215	25	.	.	PUNCT
ijtc-1512	216	1	cash	cash	NOUN
ijtc-1512	216	2	management	management	NOUN
ijtc-1512	216	3	costs	cost	NOUN
ijtc-1512	216	4	in	in	ADP
ijtc-1512	216	5	an	an	DET
ijtc-1512	216	6	sme	sme	NOUN
ijtc-1512	216	7	environment	environment	NOUN
ijtc-1512	216	8	have	have	VERB
ijtc-1512	216	9	a	a	DET
ijtc-1512	216	10	hidden	hidden	ADJ
ijtc-1512	216	11	cost	cost	NOUN
ijtc-1512	216	12	:	:	PUNCT
ijtc-1512	216	13	this	this	PRON
ijtc-1512	216	14	includes	include	VERB
ijtc-1512	216	15	their	their	PRON
ijtc-1512	216	16	own	own	ADJ
ijtc-1512	216	17	and	and	CCONJ
ijtc-1512	216	18	interbank	interbank	NOUN
ijtc-1512	216	19	transaction	transaction	NOUN
ijtc-1512	216	20	charges	charge	NOUN
ijtc-1512	216	21	,	,	PUNCT
ijtc-1512	216	22	fraud	fraud	NOUN
ijtc-1512	216	23	costs	cost	NOUN
ijtc-1512	216	24	,	,	PUNCT
ijtc-1512	216	25	and	and	CCONJ
ijtc-1512	216	26	bank	bank	PROPN
ijtc-1512	216	27	account	account	PROPN
ijtc-1512	216	28	administration	administration	NOUN
ijtc-1512	216	29	fees	fee	NOUN
ijtc-1512	216	30	that	that	PRON
ijtc-1512	216	31	banks	bank	NOUN
ijtc-1512	216	32	charge	charge	VERB
ijtc-1512	216	33	on	on	ADP
ijtc-1512	216	34	transactions	transaction	NOUN
ijtc-1512	216	35	.	.	PUNCT
ijtc-1512	217	1	smes	sme	NOUN
ijtc-1512	217	2	will	will	AUX
ijtc-1512	217	3	need	need	VERB
ijtc-1512	217	4	to	to	PART
ijtc-1512	217	5	implement	implement	VERB
ijtc-1512	217	6	costeffective	costeffective	ADJ
ijtc-1512	217	7	payment	payment	NOUN
ijtc-1512	217	8	system	system	NOUN
ijtc-1512	217	9	solutions	solution	NOUN
ijtc-1512	217	10	that	that	PRON
ijtc-1512	217	11	will	will	AUX
ijtc-1512	217	12	enable	enable	VERB
ijtc-1512	217	13	the	the	DET
ijtc-1512	217	14	efficient	efficient	ADJ
ijtc-1512	217	15	collection	collection	NOUN
ijtc-1512	217	16	and	and	CCONJ
ijtc-1512	217	17	payment	payment	NOUN
ijtc-1512	217	18	of	of	ADP
ijtc-1512	217	19	funds	fund	NOUN
ijtc-1512	217	20	to	to	ADP
ijtc-1512	217	21	and	and	CCONJ
ijtc-1512	217	22	from	from	ADP
ijtc-1512	217	23	their	their	PRON
ijtc-1512	217	24	clients	client	NOUN
ijtc-1512	217	25	and	and	CCONJ
ijtc-1512	217	26	debtors	debtor	NOUN
ijtc-1512	217	27	.	.	PUNCT
ijtc-1512	218	1	if	if	SCONJ
ijtc-1512	218	2	smes	sme	NOUN
ijtc-1512	218	3	do	do	AUX
ijtc-1512	218	4	not	not	PART
ijtc-1512	218	5	adapt	adapt	VERB
ijtc-1512	218	6	to	to	ADP
ijtc-1512	218	7	low	low	ADJ
ijtc-1512	218	8	-	-	PUNCT
ijtc-1512	218	9	cost	cost	NOUN
ijtc-1512	218	10	and	and	CCONJ
ijtc-1512	218	11	easy	easy	ADJ
ijtc-1512	218	12	-	-	PUNCT
ijtc-1512	218	13	to	to	PART
ijtc-1512	218	14	-	-	PUNCT
ijtc-1512	218	15	manage	manage	VERB
ijtc-1512	218	16	and	and	CCONJ
ijtc-1512	218	17	reconciled	reconcile	VERB
ijtc-1512	218	18	payment	payment	NOUN
ijtc-1512	218	19	systems	system	NOUN
ijtc-1512	218	20	,	,	PUNCT
ijtc-1512	218	21	the	the	DET
ijtc-1512	218	22	cost	cost	NOUN
ijtc-1512	218	23	of	of	ADP
ijtc-1512	218	24	payment	payment	NOUN
ijtc-1512	218	25	processing	processing	NOUN
ijtc-1512	218	26	that	that	PRON
ijtc-1512	218	27	is	be	AUX
ijtc-1512	218	28	facilitated	facilitate	VERB
ijtc-1512	218	29	by	by	ADP
ijtc-1512	218	30	sme	sme	NOUN
ijtc-1512	218	31	companies	company	NOUN
ijtc-1512	218	32	could	could	AUX
ijtc-1512	218	33	become	become	VERB
ijtc-1512	218	34	an	an	DET
ijtc-1512	218	35	industry	industry	NOUN
ijtc-1512	218	36	barrier	barrier	NOUN
ijtc-1512	218	37	in	in	ADP
ijtc-1512	218	38	the	the	DET
ijtc-1512	218	39	south	south	ADJ
ijtc-1512	218	40	african	african	ADJ
ijtc-1512	218	41	economy	economy	NOUN
ijtc-1512	218	42	landscape	landscape	NOUN
ijtc-1512	218	43	(	(	PUNCT
ijtc-1512	218	44	botha	botha	PROPN
ijtc-1512	218	45	et	et	PROPN
ijtc-1512	218	46	al	al	PROPN
ijtc-1512	218	47	.	.	PROPN
ijtc-1512	218	48	,	,	PUNCT
ijtc-1512	218	49	2021	2021	NUM
ijtc-1512	218	50	;	;	PUNCT
ijtc-1512	218	51	chingapi	chingapi	PROPN
ijtc-1512	218	52	&	&	CCONJ
ijtc-1512	218	53	steyn	steyn	PROPN
ijtc-1512	218	54	,	,	PUNCT
ijtc-1512	218	55	2022	2022	NUM
ijtc-1512	218	56	;	;	PUNCT
ijtc-1512	218	57	telukdarie	telukdarie	NUM
ijtc-1512	218	58	et	et	PROPN
ijtc-1512	218	59	al	al	PROPN
ijtc-1512	218	60	.	.	PROPN
ijtc-1512	218	61	,	,	PUNCT
ijtc-1512	218	62	2023	2023	NUM
ijtc-1512	218	63	;	;	PUNCT
ijtc-1512	218	64	msomi	msomi	NOUN
ijtc-1512	218	65	&	&	CCONJ
ijtc-1512	218	66	olarewaju	olarewaju	ADJ
ijtc-1512	218	67	,	,	PUNCT
ijtc-1512	218	68	2021	2021	NUM
ijtc-1512	218	69	;	;	PUNCT
ijtc-1512	218	70	khoase	khoase	PROPN
ijtc-1512	218	71	et	et	PROPN
ijtc-1512	218	72	al	al	PROPN
ijtc-1512	218	73	.	.	PROPN
ijtc-1512	218	74	,	,	PUNCT
ijtc-1512	218	75	2020	2020	NUM
ijtc-1512	218	76	;	;	PUNCT
ijtc-1512	218	77	nazir	nazir	PROPN
ijtc-1512	218	78	&	&	CCONJ
ijtc-1512	218	79	roomi	roomi	PROPN
ijtc-1512	218	80	,	,	PUNCT
ijtc-1512	218	81	2020	2020	NUM
ijtc-1512	218	82	;	;	PUNCT
ijtc-1512	218	83	rajagopaul	rajagopaul	NOUN
ijtc-1512	218	84	et	et	PROPN
ijtc-1512	218	85	al	al	PROPN
ijtc-1512	218	86	.	.	PROPN
ijtc-1512	218	87	,	,	PUNCT
ijtc-1512	218	88	2020	2020	NUM
ijtc-1512	218	89	)	)	PUNCT
ijtc-1512	218	90	.	.	PUNCT
ijtc-1512	219	1	discontinuing	discontinue	VERB
ijtc-1512	219	2	cheques	cheque	NOUN
ijtc-1512	219	3	is	be	AUX
ijtc-1512	219	4	one	one	NUM
ijtc-1512	219	5	of	of	ADP
ijtc-1512	219	6	the	the	DET
ijtc-1512	219	7	fsca	fsca	NOUN
ijtc-1512	219	8	recommendations	recommendation	NOUN
ijtc-1512	219	9	for	for	ADP
ijtc-1512	219	10	the	the	DET
ijtc-1512	219	11	south	south	ADJ
ijtc-1512	219	12	african	african	ADJ
ijtc-1512	219	13	market	market	NOUN
ijtc-1512	219	14	.	.	PUNCT
ijtc-1512	220	1	cheques	cheque	NOUN
ijtc-1512	220	2	play	play	VERB
ijtc-1512	220	3	a	a	DET
ijtc-1512	220	4	critical	critical	ADJ
ijtc-1512	220	5	role	role	NOUN
ijtc-1512	220	6	among	among	ADP
ijtc-1512	220	7	vulnerable	vulnerable	ADJ
ijtc-1512	220	8	and	and	CCONJ
ijtc-1512	220	9	underserved	underserved	ADJ
ijtc-1512	220	10	populations	population	NOUN
ijtc-1512	220	11	.	.	PUNCT
ijtc-1512	221	1	vulnerable	vulnerable	ADJ
ijtc-1512	221	2	persons	person	NOUN
ijtc-1512	221	3	and	and	CCONJ
ijtc-1512	221	4	underserved	underserved	ADJ
ijtc-1512	221	5	populations	population	NOUN
ijtc-1512	221	6	include	include	VERB
ijtc-1512	221	7	older	old	ADJ
ijtc-1512	221	8	adults	adult	NOUN
ijtc-1512	221	9	,	,	PUNCT
ijtc-1512	221	10	youth	youth	NOUN
ijtc-1512	221	11	,	,	PUNCT
ijtc-1512	221	12	those	those	PRON
ijtc-1512	221	13	living	live	VERB
ijtc-1512	221	14	in	in	ADP
ijtc-1512	221	15	poverty	poverty	NOUN
ijtc-1512	221	16	,	,	PUNCT
ijtc-1512	221	17	and	and	CCONJ
ijtc-1512	221	18	those	those	PRON
ijtc-1512	221	19	living	live	VERB
ijtc-1512	221	20	in	in	ADP
ijtc-1512	221	21	rural	rural	ADJ
ijtc-1512	221	22	settings	setting	NOUN
ijtc-1512	221	23	.	.	PUNCT
ijtc-1512	222	1	with	with	ADP
ijtc-1512	222	2	rapid	rapid	ADJ
ijtc-1512	222	3	globalization	globalization	NOUN
ijtc-1512	222	4	,	,	PUNCT
ijtc-1512	222	5	digitalization	digitalization	NOUN
ijtc-1512	222	6	is	be	AUX
ijtc-1512	222	7	inevitable	inevitable	ADJ
ijtc-1512	222	8	,	,	PUNCT
ijtc-1512	222	9	including	include	VERB
ijtc-1512	222	10	in	in	ADP
ijtc-1512	222	11	developing	develop	VERB
ijtc-1512	222	12	markets	market	NOUN
ijtc-1512	222	13	such	such	ADJ
ijtc-1512	222	14	as	as	ADP
ijtc-1512	222	15	south	south	PROPN
ijtc-1512	222	16	africa	africa	PROPN
ijtc-1512	222	17	.	.	PUNCT
ijtc-1512	223	1	leadership	leadership	NOUN
ijtc-1512	223	2	and	and	CCONJ
ijtc-1512	223	3	a	a	DET
ijtc-1512	223	4	collaborative	collaborative	ADJ
ijtc-1512	223	5	stakeholder	stakeholder	NOUN
ijtc-1512	223	6	approach	approach	NOUN
ijtc-1512	223	7	are	be	AUX
ijtc-1512	223	8	required	require	VERB
ijtc-1512	223	9	to	to	PART
ijtc-1512	223	10	address	address	VERB
ijtc-1512	223	11	these	these	DET
ijtc-1512	223	12	problems	problem	NOUN
ijtc-1512	223	13	.	.	PUNCT
ijtc-1512	224	1	in	in	ADP
ijtc-1512	224	2	order	order	NOUN
ijtc-1512	224	3	to	to	PART
ijtc-1512	224	4	avoid	avoid	VERB
ijtc-1512	224	5	these	these	DET
ijtc-1512	224	6	underserved	underserved	ADJ
ijtc-1512	224	7	individuals	individual	NOUN
ijtc-1512	224	8	being	be	AUX
ijtc-1512	224	9	even	even	ADV
ijtc-1512	224	10	further	far	ADV
ijtc-1512	224	11	left	leave	VERB
ijtc-1512	224	12	behind	behind	ADV
ijtc-1512	224	13	in	in	ADP
ijtc-1512	224	14	poverty	poverty	NOUN
ijtc-1512	224	15	,	,	PUNCT
ijtc-1512	224	16	due	due	ADP
ijtc-1512	224	17	to	to	ADP
ijtc-1512	224	18	the	the	DET
ijtc-1512	224	19	emerging	emerge	VERB
ijtc-1512	224	20	trend	trend	NOUN
ijtc-1512	224	21	of	of	ADP
ijtc-1512	224	22	financial	financial	ADJ
ijtc-1512	224	23	exclusion	exclusion	NOUN
ijtc-1512	224	24	,	,	PUNCT
ijtc-1512	224	25	it	it	PRON
ijtc-1512	224	26	is	be	AUX
ijtc-1512	224	27	essential	essential	ADJ
ijtc-1512	224	28	to	to	PART
ijtc-1512	224	29	keep	keep	VERB
ijtc-1512	224	30	cheques	cheque	NOUN
ijtc-1512	224	31	accessible	accessible	ADJ
ijtc-1512	224	32	and	and	CCONJ
ijtc-1512	224	33	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1512	224	34	examining	examine	VERB
ijtc-1512	224	35	the	the	DET
ijtc-1512	224	36	management	management	NOUN
ijtc-1512	224	37	impact	impact	NOUN
ijtc-1512	224	38	:	:	PUNCT
ijtc-1512	224	39	a	a	DET
ijtc-1512	224	40	literature	literature	NOUN
ijtc-1512	224	41	review	review	NOUN
ijtc-1512	224	42	on	on	ADP
ijtc-1512	224	43	the	the	DET
ijtc-1512	224	44	phasing	phasing	NOUN
ijtc-1512	224	45	out	out	ADP
ijtc-1512	224	46	of	of	ADP
ijtc-1512	224	47	cheques	cheque	NOUN
ijtc-1512	224	48	in	in	ADP
ijtc-1512	224	49	south	south	PROPN
ijtc-1512	224	50	africa	africa	PROPN
ijtc-1512	224	51	abrahams	abrahams	PROPN
ijtc-1512	224	52	and	and	CCONJ
ijtc-1512	224	53	pretorius	pretorius	NOUN
ijtc-1512	224	54	11	11	NUM
ijtc-1512	224	55	|	|	ADV
ijtc-1512	224	56	ilomata	ilomata	PROPN
ijtc-1512	224	57	international	international	ADJ
ijtc-1512	224	58	journal	journal	NOUN
ijtc-1512	224	59	of	of	ADP
ijtc-1512	224	60	tax	tax	PROPN
ijtc-1512	224	61	&	&	CCONJ
ijtc-1512	224	62	accounting	account	VERB
ijtc-1512	224	63	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	224	64	affordable	affordable	ADJ
ijtc-1512	224	65	.	.	PUNCT
ijtc-1512	225	1	financial	financial	ADJ
ijtc-1512	225	2	services	service	NOUN
ijtc-1512	225	3	,	,	PUNCT
ijtc-1512	225	4	of	of	ADP
ijtc-1512	225	5	which	which	PRON
ijtc-1512	225	6	payment	payment	NOUN
ijtc-1512	225	7	mechanisms	mechanism	NOUN
ijtc-1512	225	8	are	be	AUX
ijtc-1512	225	9	part	part	NOUN
ijtc-1512	225	10	of	of	ADP
ijtc-1512	225	11	,	,	PUNCT
ijtc-1512	225	12	provide	provide	VERB
ijtc-1512	225	13	access	access	NOUN
ijtc-1512	225	14	to	to	ADP
ijtc-1512	225	15	economic	economic	ADJ
ijtc-1512	225	16	security	security	NOUN
ijtc-1512	225	17	and	and	CCONJ
ijtc-1512	225	18	social	social	ADJ
ijtc-1512	225	19	safety	safety	NOUN
ijtc-1512	225	20	,	,	PUNCT
ijtc-1512	225	21	especially	especially	ADV
ijtc-1512	225	22	for	for	ADP
ijtc-1512	225	23	vulnerable	vulnerable	ADJ
ijtc-1512	225	24	and	and	CCONJ
ijtc-1512	225	25	relatively	relatively	ADV
ijtc-1512	225	26	disadvantaged	disadvantaged	ADJ
ijtc-1512	225	27	persons	person	NOUN
ijtc-1512	225	28	and	and	CCONJ
ijtc-1512	225	29	groups	group	NOUN
ijtc-1512	225	30	.	.	PUNCT
ijtc-1512	226	1	indeed	indeed	ADV
ijtc-1512	226	2	,	,	PUNCT
ijtc-1512	226	3	poor	poor	ADJ
ijtc-1512	226	4	individuals	individual	NOUN
ijtc-1512	226	5	and	and	CCONJ
ijtc-1512	226	6	those	those	DET
ijtc-1512	226	7	lacking	lack	VERB
ijtc-1512	226	8	access	access	NOUN
ijtc-1512	226	9	to	to	ADP
ijtc-1512	226	10	economic	economic	ADJ
ijtc-1512	226	11	resources	resource	NOUN
ijtc-1512	226	12	,	,	PUNCT
ijtc-1512	226	13	services	service	NOUN
ijtc-1512	226	14	,	,	PUNCT
ijtc-1512	226	15	and	and	CCONJ
ijtc-1512	226	16	markets	market	NOUN
ijtc-1512	226	17	are	be	AUX
ijtc-1512	226	18	typically	typically	ADV
ijtc-1512	226	19	reliant	reliant	ADJ
ijtc-1512	226	20	on	on	ADP
ijtc-1512	226	21	cash	cash	NOUN
ijtc-1512	226	22	for	for	ADP
ijtc-1512	226	23	their	their	PRON
ijtc-1512	226	24	survival	survival	NOUN
ijtc-1512	226	25	.	.	PUNCT
ijtc-1512	227	1	despite	despite	SCONJ
ijtc-1512	227	2	the	the	DET
ijtc-1512	227	3	benefits	benefit	NOUN
ijtc-1512	227	4	thereof	thereof	ADV
ijtc-1512	227	5	,	,	PUNCT
ijtc-1512	227	6	cash	cash	NOUN
ijtc-1512	227	7	usage	usage	NOUN
ijtc-1512	227	8	incurs	incur	VERB
ijtc-1512	227	9	opportunity	opportunity	NOUN
ijtc-1512	227	10	costs	cost	NOUN
ijtc-1512	227	11	and/or	and/or	CCONJ
ijtc-1512	227	12	the	the	DET
ijtc-1512	227	13	risk	risk	NOUN
ijtc-1512	227	14	of	of	ADP
ijtc-1512	227	15	predatory	predatory	ADJ
ijtc-1512	227	16	crimes	crime	NOUN
ijtc-1512	227	17	(	(	PUNCT
ijtc-1512	227	18	abrahams	abraham	NOUN
ijtc-1512	227	19	&	&	CCONJ
ijtc-1512	227	20	pretorius	pretorius	NOUN
ijtc-1512	227	21	,	,	PUNCT
ijtc-1512	227	22	2023	2023	NUM
ijtc-1512	227	23	;	;	PUNCT
ijtc-1512	227	24	mavhuru	mavhuru	NOUN
ijtc-1512	227	25	,	,	PUNCT
ijtc-1512	227	26	2022	2022	NUM
ijtc-1512	227	27	;	;	PUNCT
ijtc-1512	227	28	huneberg	huneberg	PROPN
ijtc-1512	227	29	,	,	PUNCT
ijtc-1512	227	30	2020	2020	NUM
ijtc-1512	227	31	;	;	PUNCT
ijtc-1512	227	32	chisiiwa	chisiiwa	NOUN
ijtc-1512	227	33	,	,	PUNCT
ijtc-1512	227	34	2023	2023	NUM
ijtc-1512	227	35	)	)	PUNCT
ijtc-1512	227	36	.	.	PUNCT
ijtc-1512	228	1	cheques	cheque	NOUN
ijtc-1512	228	2	serve	serve	VERB
ijtc-1512	228	3	as	as	ADP
ijtc-1512	228	4	a	a	DET
ijtc-1512	228	5	means	means	NOUN
ijtc-1512	228	6	to	to	PART
ijtc-1512	228	7	compensate	compensate	VERB
ijtc-1512	228	8	individuals	individual	NOUN
ijtc-1512	228	9	or	or	CCONJ
ijtc-1512	228	10	entities	entity	NOUN
ijtc-1512	228	11	,	,	PUNCT
ijtc-1512	228	12	such	such	ADJ
ijtc-1512	228	13	as	as	ADP
ijtc-1512	228	14	small	small	ADJ
ijtc-1512	228	15	spas	spa	NOUN
ijtc-1512	228	16	or	or	CCONJ
ijtc-1512	228	17	informal	informal	ADJ
ijtc-1512	228	18	microenterprises	microenterprise	NOUN
ijtc-1512	228	19	,	,	PUNCT
ijtc-1512	228	20	for	for	ADP
ijtc-1512	228	21	services	service	NOUN
ijtc-1512	228	22	rendered	render	VERB
ijtc-1512	228	23	or	or	CCONJ
ijtc-1512	228	24	goods	good	NOUN
ijtc-1512	228	25	provided	provide	VERB
ijtc-1512	228	26	.	.	PUNCT
ijtc-1512	229	1	they	they	PRON
ijtc-1512	229	2	are	be	AUX
ijtc-1512	229	3	also	also	ADV
ijtc-1512	229	4	used	use	VERB
ijtc-1512	229	5	to	to	PART
ijtc-1512	229	6	distribute	distribute	VERB
ijtc-1512	229	7	social	social	ADJ
ijtc-1512	229	8	security	security	NOUN
ijtc-1512	229	9	benefits	benefit	NOUN
ijtc-1512	229	10	,	,	PUNCT
ijtc-1512	229	11	welfare	welfare	NOUN
ijtc-1512	229	12	payments	payment	NOUN
ijtc-1512	229	13	,	,	PUNCT
ijtc-1512	229	14	or	or	CCONJ
ijtc-1512	229	15	pensions	pension	NOUN
ijtc-1512	229	16	to	to	ADP
ijtc-1512	229	17	individuals	individual	NOUN
ijtc-1512	229	18	residing	reside	VERB
ijtc-1512	229	19	in	in	ADP
ijtc-1512	229	20	countries	country	NOUN
ijtc-1512	229	21	other	other	ADJ
ijtc-1512	229	22	than	than	ADP
ijtc-1512	229	23	their	their	PRON
ijtc-1512	229	24	own	own	ADJ
ijtc-1512	229	25	.	.	PUNCT
ijtc-1512	230	1	typically	typically	ADV
ijtc-1512	230	2	,	,	PUNCT
ijtc-1512	230	3	these	these	DET
ijtc-1512	230	4	payments	payment	NOUN
ijtc-1512	230	5	are	be	AUX
ijtc-1512	230	6	processed	process	VERB
ijtc-1512	230	7	through	through	ADP
ijtc-1512	230	8	banks	bank	NOUN
ijtc-1512	230	9	,	,	PUNCT
ijtc-1512	230	10	often	often	ADV
ijtc-1512	230	11	without	without	ADP
ijtc-1512	230	12	direct	direct	ADJ
ijtc-1512	230	13	supervision	supervision	NOUN
ijtc-1512	230	14	,	,	PUNCT
ijtc-1512	230	15	which	which	PRON
ijtc-1512	230	16	offer	offer	VERB
ijtc-1512	230	17	various	various	ADJ
ijtc-1512	230	18	services	service	NOUN
ijtc-1512	230	19	to	to	PART
ijtc-1512	230	20	facilitate	facilitate	VERB
ijtc-1512	230	21	these	these	DET
ijtc-1512	230	22	transactions	transaction	NOUN
ijtc-1512	230	23	.	.	PUNCT
ijtc-1512	231	1	individuals	individual	NOUN
ijtc-1512	231	2	and	and	CCONJ
ijtc-1512	231	3	groups	group	NOUN
ijtc-1512	231	4	receiving	receive	VERB
ijtc-1512	231	5	payments	payment	NOUN
ijtc-1512	231	6	via	via	ADP
ijtc-1512	231	7	cheques	cheque	NOUN
ijtc-1512	231	8	commonly	commonly	ADV
ijtc-1512	231	9	deposit	deposit	VERB
ijtc-1512	231	10	their	their	PRON
ijtc-1512	231	11	funds	fund	NOUN
ijtc-1512	231	12	in	in	ADP
ijtc-1512	231	13	bank	bank	NOUN
ijtc-1512	231	14	accounts	account	NOUN
ijtc-1512	231	15	or	or	CCONJ
ijtc-1512	231	16	invest	invest	VERB
ijtc-1512	231	17	in	in	ADP
ijtc-1512	231	18	savings	saving	NOUN
ijtc-1512	231	19	products	product	NOUN
ijtc-1512	231	20	rather	rather	ADV
ijtc-1512	231	21	than	than	ADP
ijtc-1512	231	22	keeping	keep	VERB
ijtc-1512	231	23	cash	cash	NOUN
ijtc-1512	231	24	at	at	ADP
ijtc-1512	231	25	home	home	NOUN
ijtc-1512	231	26	.	.	PUNCT
ijtc-1512	232	1	in	in	ADP
ijtc-1512	232	2	such	such	ADJ
ijtc-1512	232	3	cases	case	NOUN
ijtc-1512	232	4	,	,	PUNCT
ijtc-1512	232	5	there	there	PRON
ijtc-1512	232	6	is	be	VERB
ijtc-1512	232	7	a	a	DET
ijtc-1512	232	8	need	need	NOUN
ijtc-1512	232	9	for	for	ADP
ijtc-1512	232	10	innovation	innovation	NOUN
ijtc-1512	232	11	and	and	CCONJ
ijtc-1512	232	12	broader	broad	ADJ
ijtc-1512	232	13	adoption	adoption	NOUN
ijtc-1512	232	14	of	of	ADP
ijtc-1512	232	15	alternative	alternative	ADJ
ijtc-1512	232	16	payment	payment	NOUN
ijtc-1512	232	17	methods	method	NOUN
ijtc-1512	232	18	,	,	PUNCT
ijtc-1512	232	19	including	include	VERB
ijtc-1512	232	20	electronic	electronic	ADJ
ijtc-1512	232	21	transactions	transaction	NOUN
ijtc-1512	232	22	and	and	CCONJ
ijtc-1512	232	23	initiatives	initiative	NOUN
ijtc-1512	232	24	like	like	ADP
ijtc-1512	232	25	general	general	ADJ
ijtc-1512	232	26	-	-	PUNCT
ijtc-1512	232	27	purpose	purpose	NOUN
ijtc-1512	232	28	reloadable	reloadable	ADJ
ijtc-1512	232	29	cards	card	NOUN
ijtc-1512	232	30	.	.	PUNCT
ijtc-1512	233	1	these	these	DET
ijtc-1512	233	2	alternatives	alternative	NOUN
ijtc-1512	233	3	offer	offer	VERB
ijtc-1512	233	4	lower	low	ADJ
ijtc-1512	233	5	transaction	transaction	NOUN
ijtc-1512	233	6	costs	cost	NOUN
ijtc-1512	233	7	and	and	CCONJ
ijtc-1512	233	8	can	can	AUX
ijtc-1512	233	9	potentially	potentially	ADV
ijtc-1512	233	10	benefit	benefit	VERB
ijtc-1512	233	11	individuals	individual	NOUN
ijtc-1512	233	12	financially	financially	ADV
ijtc-1512	233	13	.	.	PUNCT
ijtc-1512	234	1	however	however	ADV
ijtc-1512	234	2	,	,	PUNCT
ijtc-1512	234	3	it	it	PRON
ijtc-1512	234	4	is	be	AUX
ijtc-1512	234	5	essential	essential	ADJ
ijtc-1512	234	6	to	to	PART
ijtc-1512	234	7	respect	respect	VERB
ijtc-1512	234	8	the	the	DET
ijtc-1512	234	9	autonomy	autonomy	NOUN
ijtc-1512	234	10	of	of	ADP
ijtc-1512	234	11	individuals	individual	NOUN
ijtc-1512	234	12	and	and	CCONJ
ijtc-1512	234	13	groups	group	NOUN
ijtc-1512	234	14	receiving	receive	VERB
ijtc-1512	234	15	these	these	DET
ijtc-1512	234	16	payments	payment	NOUN
ijtc-1512	234	17	,	,	PUNCT
ijtc-1512	234	18	even	even	ADV
ijtc-1512	234	19	if	if	SCONJ
ijtc-1512	234	20	their	their	PRON
ijtc-1512	234	21	financial	financial	ADJ
ijtc-1512	234	22	circumstances	circumstance	NOUN
ijtc-1512	234	23	are	be	AUX
ijtc-1512	234	24	relatively	relatively	ADV
ijtc-1512	234	25	less	less	ADV
ijtc-1512	234	26	favorable	favorable	ADJ
ijtc-1512	234	27	.	.	PUNCT
ijtc-1512	235	1	for	for	ADP
ijtc-1512	235	2	instance	instance	NOUN
ijtc-1512	235	3	,	,	PUNCT
ijtc-1512	235	4	recipients	recipient	NOUN
ijtc-1512	235	5	of	of	ADP
ijtc-1512	235	6	social	social	ADJ
ijtc-1512	235	7	welfare	welfare	NOUN
ijtc-1512	235	8	grants	grant	NOUN
ijtc-1512	235	9	in	in	ADP
ijtc-1512	235	10	south	south	PROPN
ijtc-1512	235	11	africa	africa	PROPN
ijtc-1512	235	12	are	be	AUX
ijtc-1512	235	13	entitled	entitle	VERB
ijtc-1512	235	14	to	to	PART
ijtc-1512	235	15	bank	bank	VERB
ijtc-1512	235	16	their	their	PRON
ijtc-1512	235	17	monthly	monthly	ADJ
ijtc-1512	235	18	payouts	payout	NOUN
ijtc-1512	235	19	independently	independently	ADV
ijtc-1512	235	20	,	,	PUNCT
ijtc-1512	235	21	without	without	ADP
ijtc-1512	235	22	being	be	AUX
ijtc-1512	235	23	required	require	VERB
ijtc-1512	235	24	to	to	PART
ijtc-1512	235	25	wait	wait	VERB
ijtc-1512	235	26	until	until	ADP
ijtc-1512	235	27	the	the	DET
ijtc-1512	235	28	end	end	NOUN
ijtc-1512	235	29	of	of	ADP
ijtc-1512	235	30	the	the	DET
ijtc-1512	235	31	year	year	NOUN
ijtc-1512	235	32	to	to	PART
ijtc-1512	235	33	access	access	VERB
ijtc-1512	235	34	their	their	PRON
ijtc-1512	235	35	accumulated	accumulate	VERB
ijtc-1512	235	36	funds	fund	NOUN
ijtc-1512	235	37	.	.	PUNCT
ijtc-1512	236	1	additionally	additionally	ADV
ijtc-1512	236	2	,	,	PUNCT
ijtc-1512	236	3	recipients	recipient	NOUN
ijtc-1512	236	4	should	should	AUX
ijtc-1512	236	5	have	have	VERB
ijtc-1512	236	6	the	the	DET
ijtc-1512	236	7	freedom	freedom	NOUN
ijtc-1512	236	8	to	to	PART
ijtc-1512	236	9	decide	decide	VERB
ijtc-1512	236	10	how	how	SCONJ
ijtc-1512	236	11	they	they	PRON
ijtc-1512	236	12	wish	wish	VERB
ijtc-1512	236	13	to	to	PART
ijtc-1512	236	14	utilize	utilize	VERB
ijtc-1512	236	15	their	their	PRON
ijtc-1512	236	16	payments	payment	NOUN
ijtc-1512	236	17	,	,	PUNCT
ijtc-1512	236	18	without	without	ADP
ijtc-1512	236	19	interference	interference	NOUN
ijtc-1512	236	20	from	from	ADP
ijtc-1512	236	21	municipalities	municipality	NOUN
ijtc-1512	236	22	or	or	CCONJ
ijtc-1512	236	23	other	other	ADJ
ijtc-1512	236	24	intermediaries	intermediary	NOUN
ijtc-1512	236	25	dictating	dictate	VERB
ijtc-1512	236	26	how	how	SCONJ
ijtc-1512	236	27	the	the	DET
ijtc-1512	236	28	funds	fund	NOUN
ijtc-1512	236	29	should	should	AUX
ijtc-1512	236	30	be	be	AUX
ijtc-1512	236	31	spent	spend	VERB
ijtc-1512	236	32	or	or	CCONJ
ijtc-1512	236	33	allocated	allocate	VERB
ijtc-1512	236	34	(	(	PUNCT
ijtc-1512	236	35	coibion	coibion	NOUN
ijtc-1512	236	36	et	et	PROPN
ijtc-1512	236	37	al	al	PROPN
ijtc-1512	236	38	.	.	PROPN
ijtc-1512	236	39	,	,	PUNCT
ijtc-1512	236	40	2020	2020	NUM
ijtc-1512	236	41	;	;	PUNCT
ijtc-1512	236	42	chen	chen	PROPN
ijtc-1512	236	43	et	et	PROPN
ijtc-1512	236	44	al	al	PROPN
ijtc-1512	236	45	.	.	PROPN
ijtc-1512	236	46	,	,	PUNCT
ijtc-1512	236	47	2021	2021	NUM
ijtc-1512	236	48	;	;	PUNCT
ijtc-1512	236	49	zhang	zhang	PROPN
ijtc-1512	236	50	et	et	PROPN
ijtc-1512	236	51	al	al	PROPN
ijtc-1512	236	52	.	.	PROPN
ijtc-1512	236	53	,2020	,2020	PROPN
ijtc-1512	236	54	;	;	PUNCT
ijtc-1512	236	55	ahmad	ahmad	PROPN
ijtc-1512	236	56	et	et	PROPN
ijtc-1512	236	57	al	al	PROPN
ijtc-1512	236	58	.	.	PROPN
ijtc-1512	236	59	,	,	PUNCT
ijtc-1512	236	60	2020	2020	NUM
ijtc-1512	236	61	;	;	PUNCT
ijtc-1512	236	62	alzoubi	alzoubi	PROPN
ijtc-1512	236	63	et	et	PROPN
ijtc-1512	236	64	al	al	PROPN
ijtc-1512	236	65	.	.	PROPN
ijtc-1512	236	66	,	,	PUNCT
ijtc-1512	236	67	2022	2022	NUM
ijtc-1512	236	68	)	)	PUNCT
ijtc-1512	236	69	.	.	PUNCT
ijtc-1512	237	1	south	south	PROPN
ijtc-1512	237	2	africa	africa	PROPN
ijtc-1512	237	3	is	be	AUX
ijtc-1512	237	4	breaking	break	VERB
ijtc-1512	237	5	away	away	ADV
ijtc-1512	237	6	from	from	ADP
ijtc-1512	237	7	its	its	PRON
ijtc-1512	237	8	previous	previous	ADJ
ijtc-1512	237	9	stance	stance	NOUN
ijtc-1512	237	10	of	of	ADP
ijtc-1512	237	11	maintaining	maintain	VERB
ijtc-1512	237	12	the	the	DET
ijtc-1512	237	13	status	status	NOUN
ijtc-1512	237	14	quo	quo	NOUN
ijtc-1512	237	15	,	,	PUNCT
ijtc-1512	237	16	which	which	PRON
ijtc-1512	237	17	is	be	AUX
ijtc-1512	237	18	unprecedented	unprecedented	ADJ
ijtc-1512	237	19	.	.	PUNCT
ijtc-1512	238	1	recognizing	recognize	VERB
ijtc-1512	238	2	that	that	SCONJ
ijtc-1512	238	3	existing	exist	VERB
ijtc-1512	238	4	payment	payment	NOUN
ijtc-1512	238	5	solutions	solution	NOUN
ijtc-1512	238	6	,	,	PUNCT
ijtc-1512	238	7	including	include	VERB
ijtc-1512	238	8	cash	cash	NOUN
ijtc-1512	238	9	,	,	PUNCT
ijtc-1512	238	10	have	have	AUX
ijtc-1512	238	11	not	not	PART
ijtc-1512	238	12	been	be	AUX
ijtc-1512	238	13	fully	fully	ADV
ijtc-1512	238	14	optimized	optimize	VERB
ijtc-1512	238	15	,	,	PUNCT
ijtc-1512	238	16	presents	present	VERB
ijtc-1512	238	17	an	an	DET
ijtc-1512	238	18	opportunity	opportunity	NOUN
ijtc-1512	238	19	for	for	ADP
ijtc-1512	238	20	improvement	improvement	NOUN
ijtc-1512	238	21	.	.	PUNCT
ijtc-1512	239	1	urgent	urgent	ADJ
ijtc-1512	239	2	action	action	NOUN
ijtc-1512	239	3	is	be	AUX
ijtc-1512	239	4	needed	need	VERB
ijtc-1512	239	5	to	to	PART
ijtc-1512	239	6	mitigate	mitigate	VERB
ijtc-1512	239	7	risks	risk	NOUN
ijtc-1512	239	8	,	,	PUNCT
ijtc-1512	239	9	and	and	CCONJ
ijtc-1512	239	10	both	both	CCONJ
ijtc-1512	239	11	professional	professional	ADJ
ijtc-1512	239	12	and	and	CCONJ
ijtc-1512	239	13	public	public	ADJ
ijtc-1512	239	14	organizations	organization	NOUN
ijtc-1512	239	15	must	must	AUX
ijtc-1512	239	16	proactively	proactively	ADV
ijtc-1512	239	17	seek	seek	VERB
ijtc-1512	239	18	collaborative	collaborative	ADJ
ijtc-1512	239	19	solutions	solution	NOUN
ijtc-1512	239	20	.	.	PUNCT
ijtc-1512	240	1	a	a	DET
ijtc-1512	240	2	crucial	crucial	ADJ
ijtc-1512	240	3	decision	decision	NOUN
ijtc-1512	240	4	point	point	NOUN
ijtc-1512	240	5	involves	involve	VERB
ijtc-1512	240	6	setting	set	VERB
ijtc-1512	240	7	national	national	ADJ
ijtc-1512	240	8	policies	policy	NOUN
ijtc-1512	240	9	to	to	PART
ijtc-1512	240	10	ensure	ensure	VERB
ijtc-1512	240	11	that	that	SCONJ
ijtc-1512	240	12	all	all	DET
ijtc-1512	240	13	electronic	electronic	ADJ
ijtc-1512	240	14	payment	payment	NOUN
ijtc-1512	240	15	options	option	NOUN
ijtc-1512	240	16	are	be	AUX
ijtc-1512	240	17	accessible	accessible	ADJ
ijtc-1512	240	18	to	to	ADP
ijtc-1512	240	19	everyone	everyone	PRON
ijtc-1512	240	20	and	and	CCONJ
ijtc-1512	240	21	to	to	PART
ijtc-1512	240	22	promote	promote	VERB
ijtc-1512	240	23	competition	competition	NOUN
ijtc-1512	240	24	in	in	ADP
ijtc-1512	240	25	payment	payment	NOUN
ijtc-1512	240	26	markets	market	NOUN
ijtc-1512	240	27	.	.	PUNCT
ijtc-1512	241	1	banks	bank	NOUN
ijtc-1512	241	2	play	play	VERB
ijtc-1512	241	3	a	a	DET
ijtc-1512	241	4	vital	vital	ADJ
ijtc-1512	241	5	role	role	NOUN
ijtc-1512	241	6	in	in	ADP
ijtc-1512	241	7	addressing	address	VERB
ijtc-1512	241	8	adverse	adverse	ADJ
ijtc-1512	241	9	consequences	consequence	NOUN
ijtc-1512	241	10	and	and	CCONJ
ijtc-1512	241	11	fulfilling	fulfil	VERB
ijtc-1512	241	12	their	their	PRON
ijtc-1512	241	13	social	social	ADJ
ijtc-1512	241	14	responsibilities	responsibility	NOUN
ijtc-1512	241	15	.	.	PUNCT
ijtc-1512	242	1	additionally	additionally	ADV
ijtc-1512	242	2	,	,	PUNCT
ijtc-1512	242	3	addressing	address	VERB
ijtc-1512	242	4	educational	educational	ADJ
ijtc-1512	242	5	challenges	challenge	NOUN
ijtc-1512	242	6	is	be	AUX
ijtc-1512	242	7	essential	essential	ADJ
ijtc-1512	242	8	(	(	PUNCT
ijtc-1512	242	9	maphosa	maphosa	NOUN
ijtc-1512	242	10	,	,	PUNCT
ijtc-1512	242	11	2020	2020	NUM
ijtc-1512	242	12	;	;	PUNCT
ijtc-1512	242	13	megannon	megannon	X
ijtc-1512	242	14	,	,	PUNCT
ijtc-1512	242	15	2022	2022	NUM
ijtc-1512	242	16	)	)	PUNCT
ijtc-1512	242	17	.	.	PUNCT
ijtc-1512	243	1	three	three	NUM
ijtc-1512	243	2	main	main	ADJ
ijtc-1512	243	3	categories	category	NOUN
ijtc-1512	243	4	of	of	ADP
ijtc-1512	243	5	challenges	challenge	NOUN
ijtc-1512	243	6	face	face	VERB
ijtc-1512	243	7	individuals	individual	NOUN
ijtc-1512	243	8	in	in	ADP
ijtc-1512	243	9	this	this	DET
ijtc-1512	243	10	context	context	NOUN
ijtc-1512	243	11	.	.	PUNCT
ijtc-1512	244	1	firstly	firstly	ADV
ijtc-1512	244	2	,	,	PUNCT
ijtc-1512	244	3	there	there	PRON
ijtc-1512	244	4	are	be	VERB
ijtc-1512	244	5	challenges	challenge	NOUN
ijtc-1512	244	6	related	relate	VERB
ijtc-1512	244	7	to	to	ADP
ijtc-1512	244	8	credit	credit	NOUN
ijtc-1512	244	9	,	,	PUNCT
ijtc-1512	244	10	savings	saving	NOUN
ijtc-1512	244	11	,	,	PUNCT
ijtc-1512	244	12	and	and	CCONJ
ijtc-1512	244	13	investment	investment	NOUN
ijtc-1512	244	14	decision	decision	NOUN
ijtc-1512	244	15	-	-	PUNCT
ijtc-1512	244	16	making	making	NOUN
ijtc-1512	244	17	,	,	PUNCT
ijtc-1512	244	18	which	which	PRON
ijtc-1512	244	19	can	can	AUX
ijtc-1512	244	20	burden	burden	VERB
ijtc-1512	244	21	consumers	consumer	NOUN
ijtc-1512	244	22	.	.	PUNCT
ijtc-1512	245	1	it	it	PRON
ijtc-1512	245	2	is	be	AUX
ijtc-1512	245	3	important	important	ADJ
ijtc-1512	245	4	to	to	PART
ijtc-1512	245	5	examine	examine	VERB
ijtc-1512	245	6	the	the	DET
ijtc-1512	245	7	distributional	distributional	ADJ
ijtc-1512	245	8	impacts	impact	NOUN
ijtc-1512	245	9	of	of	ADP
ijtc-1512	245	10	discontinuing	discontinue	VERB
ijtc-1512	245	11	cheques	cheque	NOUN
ijtc-1512	245	12	and	and	CCONJ
ijtc-1512	245	13	address	address	NOUN
ijtc-1512	245	14	issues	issue	NOUN
ijtc-1512	245	15	of	of	ADP
ijtc-1512	245	16	financial	financial	ADJ
ijtc-1512	245	17	inclusion	inclusion	NOUN
ijtc-1512	245	18	.	.	PUNCT
ijtc-1512	246	1	the	the	DET
ijtc-1512	246	2	elderly	elderly	ADJ
ijtc-1512	246	3	,	,	PUNCT
ijtc-1512	246	4	who	who	PRON
ijtc-1512	246	5	may	may	AUX
ijtc-1512	246	6	lack	lack	VERB
ijtc-1512	246	7	digital	digital	ADJ
ijtc-1512	246	8	skills	skill	NOUN
ijtc-1512	246	9	and	and	CCONJ
ijtc-1512	246	10	technology	technology	NOUN
ijtc-1512	246	11	knowledge	knowledge	NOUN
ijtc-1512	246	12	,	,	PUNCT
ijtc-1512	246	13	are	be	AUX
ijtc-1512	246	14	particularly	particularly	ADV
ijtc-1512	246	15	vulnerable	vulnerable	ADJ
ijtc-1512	246	16	to	to	ADP
ijtc-1512	246	17	the	the	DET
ijtc-1512	246	18	discontinuation	discontinuation	NOUN
ijtc-1512	246	19	of	of	ADP
ijtc-1512	246	20	cheque	cheque	NOUN
ijtc-1512	246	21	payments	payment	NOUN
ijtc-1512	246	22	.	.	PUNCT
ijtc-1512	247	1	furthermore	furthermore	ADV
ijtc-1512	247	2	,	,	PUNCT
ijtc-1512	247	3	reduced	reduced	ADJ
ijtc-1512	247	4	access	access	NOUN
ijtc-1512	247	5	to	to	ADP
ijtc-1512	247	6	bank	bank	NOUN
ijtc-1512	247	7	branches	branch	NOUN
ijtc-1512	247	8	may	may	AUX
ijtc-1512	247	9	exacerbate	exacerbate	VERB
ijtc-1512	247	10	exclusionary	exclusionary	ADJ
ijtc-1512	247	11	practices	practice	NOUN
ijtc-1512	247	12	,	,	PUNCT
ijtc-1512	247	13	especially	especially	ADV
ijtc-1512	247	14	impacting	impact	VERB
ijtc-1512	247	15	minority	minority	NOUN
ijtc-1512	247	16	racial	racial	ADJ
ijtc-1512	247	17	deposit	deposit	NOUN
ijtc-1512	247	18	groups	group	NOUN
ijtc-1512	247	19	and	and	CCONJ
ijtc-1512	247	20	the	the	DET
ijtc-1512	247	21	elderly	elderly	ADJ
ijtc-1512	247	22	,	,	PUNCT
ijtc-1512	247	23	as	as	ADP
ijtc-1512	247	24	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1512	247	25	examining	examine	VERB
ijtc-1512	247	26	the	the	DET
ijtc-1512	247	27	management	management	NOUN
ijtc-1512	247	28	impact	impact	NOUN
ijtc-1512	247	29	:	:	PUNCT
ijtc-1512	247	30	a	a	DET
ijtc-1512	247	31	literature	literature	NOUN
ijtc-1512	247	32	review	review	NOUN
ijtc-1512	247	33	on	on	ADP
ijtc-1512	247	34	the	the	DET
ijtc-1512	247	35	phasing	phasing	NOUN
ijtc-1512	247	36	out	out	ADP
ijtc-1512	247	37	of	of	ADP
ijtc-1512	247	38	cheques	cheque	NOUN
ijtc-1512	247	39	in	in	ADP
ijtc-1512	247	40	south	south	PROPN
ijtc-1512	247	41	africa	africa	PROPN
ijtc-1512	247	42	abrahams	abrahams	PROPN
ijtc-1512	247	43	and	and	CCONJ
ijtc-1512	247	44	pretorius	pretorius	NOUN
ijtc-1512	247	45	12	12	NUM
ijtc-1512	247	46	|	|	ADV
ijtc-1512	247	47	ilomata	ilomata	PROPN
ijtc-1512	247	48	international	international	ADJ
ijtc-1512	247	49	journal	journal	NOUN
ijtc-1512	247	50	of	of	ADP
ijtc-1512	247	51	tax	tax	PROPN
ijtc-1512	247	52	&	&	CCONJ
ijtc-1512	247	53	accounting	accounting	PROPN
ijtc-1512	247	54	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1512	247	55	highlighted	highlight	VERB
ijtc-1512	247	56	by	by	ADP
ijtc-1512	247	57	previous	previous	ADJ
ijtc-1512	247	58	research	research	NOUN
ijtc-1512	247	59	.	.	PUNCT
ijtc-1512	248	1	(	(	PUNCT
ijtc-1512	248	2	ranchhod	ranchhod	PROPN
ijtc-1512	248	3	&	&	CCONJ
ijtc-1512	248	4	daniels	daniels	PROPN
ijtc-1512	248	5	,	,	PUNCT
ijtc-1512	248	6	2021	2021	NUM
ijtc-1512	248	7	;	;	PUNCT
ijtc-1512	248	8	gronbach	gronbach	NOUN
ijtc-1512	248	9	et	et	PROPN
ijtc-1512	248	10	al	al	PROPN
ijtc-1512	248	11	.	.	PROPN
ijtc-1512	248	12	,2022	,2022	PROPN
ijtc-1512	248	13	;	;	PUNCT
ijtc-1512	248	14	schotte	schotte	PROPN
ijtc-1512	248	15	&	&	CCONJ
ijtc-1512	248	16	zizzamia	zizzamia	PROPN
ijtc-1512	248	17	,	,	PUNCT
ijtc-1512	248	18	2023	2023	NUM
ijtc-1512	248	19	)	)	PUNCT
ijtc-1512	248	20	.	.	PUNCT
ijtc-1512	249	1	conclusion	conclusion	NOUN
ijtc-1512	249	2	the	the	DET
ijtc-1512	249	3	study	study	NOUN
ijtc-1512	249	4	specifically	specifically	ADV
ijtc-1512	249	5	focused	focus	VERB
ijtc-1512	249	6	on	on	ADP
ijtc-1512	249	7	the	the	DET
ijtc-1512	249	8	management	management	NOUN
ijtc-1512	249	9	impacts	impact	NOUN
ijtc-1512	249	10	of	of	ADP
ijtc-1512	249	11	the	the	DET
ijtc-1512	249	12	discontinuation	discontinuation	NOUN
ijtc-1512	249	13	of	of	ADP
ijtc-1512	249	14	cheques	cheque	NOUN
ijtc-1512	249	15	in	in	ADP
ijtc-1512	249	16	south	south	PROPN
ijtc-1512	249	17	africa	africa	PROPN
ijtc-1512	249	18	.	.	PUNCT
ijtc-1512	250	1	the	the	DET
ijtc-1512	250	2	discontinuation	discontinuation	NOUN
ijtc-1512	250	3	of	of	ADP
ijtc-1512	250	4	cheques	cheque	NOUN
ijtc-1512	250	5	is	be	AUX
ijtc-1512	250	6	expected	expect	VERB
ijtc-1512	250	7	to	to	PART
ijtc-1512	250	8	have	have	VERB
ijtc-1512	250	9	widespread	widespread	ADJ
ijtc-1512	250	10	impacts	impact	NOUN
ijtc-1512	250	11	across	across	ADP
ijtc-1512	250	12	various	various	ADJ
ijtc-1512	250	13	social	social	ADJ
ijtc-1512	250	14	and	and	CCONJ
ijtc-1512	250	15	business	business	NOUN
ijtc-1512	250	16	sectors	sector	NOUN
ijtc-1512	250	17	.	.	PUNCT
ijtc-1512	251	1	currently	currently	ADV
ijtc-1512	251	2	,	,	PUNCT
ijtc-1512	251	3	most	most	ADJ
ijtc-1512	251	4	research	research	NOUN
ijtc-1512	251	5	in	in	ADP
ijtc-1512	251	6	this	this	DET
ijtc-1512	251	7	area	area	NOUN
ijtc-1512	251	8	relies	rely	VERB
ijtc-1512	251	9	on	on	ADP
ijtc-1512	251	10	qualitative	qualitative	ADJ
ijtc-1512	251	11	methods	method	NOUN
ijtc-1512	251	12	,	,	PUNCT
ijtc-1512	251	13	aiming	aim	VERB
ijtc-1512	251	14	to	to	PART
ijtc-1512	251	15	capture	capture	VERB
ijtc-1512	251	16	the	the	DET
ijtc-1512	251	17	perspectives	perspective	NOUN
ijtc-1512	251	18	of	of	ADP
ijtc-1512	251	19	affected	affected	ADJ
ijtc-1512	251	20	parties	party	NOUN
ijtc-1512	251	21	.	.	PUNCT
ijtc-1512	252	1	however	however	ADV
ijtc-1512	252	2	,	,	PUNCT
ijtc-1512	252	3	this	this	DET
ijtc-1512	252	4	study	study	NOUN
ijtc-1512	252	5	,	,	PUNCT
ijtc-1512	252	6	conducted	conduct	VERB
ijtc-1512	252	7	in	in	ADP
ijtc-1512	252	8	south	south	PROPN
ijtc-1512	252	9	africa	africa	PROPN
ijtc-1512	252	10	,	,	PUNCT
ijtc-1512	252	11	takes	take	VERB
ijtc-1512	252	12	a	a	DET
ijtc-1512	252	13	different	different	ADJ
ijtc-1512	252	14	approach	approach	NOUN
ijtc-1512	252	15	,	,	PUNCT
ijtc-1512	252	16	focusing	focus	VERB
ijtc-1512	252	17	specifically	specifically	ADV
ijtc-1512	252	18	on	on	ADP
ijtc-1512	252	19	the	the	DET
ijtc-1512	252	20	intangible	intangible	ADJ
ijtc-1512	252	21	impacts	impact	NOUN
ijtc-1512	252	22	on	on	ADP
ijtc-1512	252	23	human	human	ADJ
ijtc-1512	252	24	labor	labor	NOUN
ijtc-1512	252	25	and	and	CCONJ
ijtc-1512	252	26	technology	technology	NOUN
ijtc-1512	252	27	management	management	NOUN
ijtc-1512	252	28	.	.	PUNCT
ijtc-1512	253	1	the	the	DET
ijtc-1512	253	2	key	key	ADJ
ijtc-1512	253	3	findings	finding	NOUN
ijtc-1512	253	4	from	from	ADP
ijtc-1512	253	5	the	the	DET
ijtc-1512	253	6	literature	literature	NOUN
ijtc-1512	253	7	analysis	analysis	NOUN
ijtc-1512	253	8	highlight	highlight	VERB
ijtc-1512	253	9	several	several	ADJ
ijtc-1512	253	10	areas	area	NOUN
ijtc-1512	253	11	of	of	ADP
ijtc-1512	253	12	concern	concern	NOUN
ijtc-1512	253	13	regarding	regard	VERB
ijtc-1512	253	14	human	human	ADJ
ijtc-1512	253	15	labour	labour	NOUN
ijtc-1512	253	16	management	management	NOUN
ijtc-1512	253	17	.	.	PUNCT
ijtc-1512	254	1	these	these	PRON
ijtc-1512	254	2	include	include	VERB
ijtc-1512	254	3	workforce	workforce	NOUN
ijtc-1512	254	4	-	-	PUNCT
ijtc-1512	254	5	related	relate	VERB
ijtc-1512	254	6	business	business	NOUN
ijtc-1512	254	7	cultures	culture	NOUN
ijtc-1512	254	8	adapting	adapt	VERB
ijtc-1512	254	9	to	to	ADP
ijtc-1512	254	10	the	the	DET
ijtc-1512	254	11	digital	digital	ADJ
ijtc-1512	254	12	age	age	NOUN
ijtc-1512	254	13	,	,	PUNCT
ijtc-1512	254	14	potential	potential	ADJ
ijtc-1512	254	15	losses	loss	NOUN
ijtc-1512	254	16	of	of	ADP
ijtc-1512	254	17	valuable	valuable	ADJ
ijtc-1512	254	18	skill	skill	NOUN
ijtc-1512	254	19	sets	set	VERB
ijtc-1512	254	20	leading	lead	VERB
ijtc-1512	254	21	to	to	ADP
ijtc-1512	254	22	challenges	challenge	NOUN
ijtc-1512	254	23	in	in	ADP
ijtc-1512	254	24	digital	digital	ADJ
ijtc-1512	254	25	inclusivity	inclusivity	NOUN
ijtc-1512	254	26	,	,	PUNCT
ijtc-1512	254	27	workforce	workforce	NOUN
ijtc-1512	254	28	education	education	NOUN
ijtc-1512	254	29	and	and	CCONJ
ijtc-1512	254	30	retention	retention	NOUN
ijtc-1512	254	31	,	,	PUNCT
ijtc-1512	254	32	and	and	CCONJ
ijtc-1512	254	33	heightened	heighten	VERB
ijtc-1512	254	34	stress	stress	NOUN
ijtc-1512	254	35	levels	level	NOUN
ijtc-1512	254	36	among	among	ADP
ijtc-1512	254	37	employees	employee	NOUN
ijtc-1512	254	38	despite	despite	SCONJ
ijtc-1512	254	39	the	the	DET
ijtc-1512	254	40	growing	grow	VERB
ijtc-1512	254	41	importance	importance	NOUN
ijtc-1512	254	42	of	of	ADP
ijtc-1512	254	43	cybersecurity	cybersecurity	NOUN
ijtc-1512	254	44	management	management	NOUN
ijtc-1512	254	45	.	.	PUNCT
ijtc-1512	255	1	on	on	ADP
ijtc-1512	255	2	the	the	DET
ijtc-1512	255	3	technology	technology	NOUN
ijtc-1512	255	4	front	front	NOUN
ijtc-1512	255	5	,	,	PUNCT
ijtc-1512	255	6	impacts	impact	NOUN
ijtc-1512	255	7	are	be	AUX
ijtc-1512	255	8	expected	expect	VERB
ijtc-1512	255	9	to	to	PART
ijtc-1512	255	10	center	center	VERB
ijtc-1512	255	11	around	around	ADP
ijtc-1512	255	12	system	system	NOUN
ijtc-1512	255	13	upgrades	upgrade	NOUN
ijtc-1512	255	14	leading	lead	VERB
ijtc-1512	255	15	to	to	ADP
ijtc-1512	255	16	revenue	revenue	NOUN
ijtc-1512	255	17	losses	loss	NOUN
ijtc-1512	255	18	,	,	PUNCT
ijtc-1512	255	19	increased	increase	VERB
ijtc-1512	255	20	monopoly	monopoly	NOUN
ijtc-1512	255	21	power	power	NOUN
ijtc-1512	255	22	favoring	favor	VERB
ijtc-1512	255	23	network	network	NOUN
ijtc-1512	255	24	operators	operator	NOUN
ijtc-1512	255	25	,	,	PUNCT
ijtc-1512	255	26	potential	potential	ADJ
ijtc-1512	255	27	limitations	limitation	NOUN
ijtc-1512	255	28	in	in	ADP
ijtc-1512	255	29	access	access	NOUN
ijtc-1512	255	30	to	to	ADP
ijtc-1512	255	31	banking	banking	NOUN
ijtc-1512	255	32	services	service	NOUN
ijtc-1512	255	33	,	,	PUNCT
ijtc-1512	255	34	and	and	CCONJ
ijtc-1512	255	35	a	a	DET
ijtc-1512	255	36	potential	potential	ADJ
ijtc-1512	255	37	rise	rise	NOUN
ijtc-1512	255	38	in	in	ADP
ijtc-1512	255	39	the	the	DET
ijtc-1512	255	40	overall	overall	ADJ
ijtc-1512	255	41	cost	cost	NOUN
ijtc-1512	255	42	of	of	ADP
ijtc-1512	255	43	payment	payment	NOUN
ijtc-1512	255	44	tools	tool	NOUN
ijtc-1512	255	45	.	.	PUNCT
ijtc-1512	256	1	however	however	ADV
ijtc-1512	256	2	,	,	PUNCT
ijtc-1512	256	3	it	it	PRON
ijtc-1512	256	4	's	be	AUX
ijtc-1512	256	5	important	important	ADJ
ijtc-1512	256	6	to	to	PART
ijtc-1512	256	7	note	note	VERB
ijtc-1512	256	8	that	that	SCONJ
ijtc-1512	256	9	the	the	DET
ijtc-1512	256	10	literature	literature	NOUN
ijtc-1512	256	11	analyzed	analyze	VERB
ijtc-1512	256	12	in	in	ADP
ijtc-1512	256	13	this	this	DET
ijtc-1512	256	14	study	study	NOUN
ijtc-1512	256	15	is	be	AUX
ijtc-1512	256	16	limited	limit	VERB
ijtc-1512	256	17	in	in	ADP
ijtc-1512	256	18	scope	scope	NOUN
ijtc-1512	256	19	due	due	ADP
ijtc-1512	256	20	to	to	ADP
ijtc-1512	256	21	a	a	DET
ijtc-1512	256	22	lack	lack	NOUN
ijtc-1512	256	23	of	of	ADP
ijtc-1512	256	24	interdisciplinary	interdisciplinary	ADJ
ijtc-1512	256	25	collaboration	collaboration	NOUN
ijtc-1512	256	26	.	.	PUNCT
ijtc-1512	257	1	future	future	ADJ
ijtc-1512	257	2	research	research	NOUN
ijtc-1512	257	3	should	should	AUX
ijtc-1512	257	4	strive	strive	VERB
ijtc-1512	257	5	to	to	PART
ijtc-1512	257	6	be	be	AUX
ijtc-1512	257	7	more	more	ADV
ijtc-1512	257	8	comprehensive	comprehensive	ADJ
ijtc-1512	257	9	,	,	PUNCT
ijtc-1512	257	10	including	include	VERB
ijtc-1512	257	11	in	in	ADP
ijtc-1512	257	12	-	-	PUNCT
ijtc-1512	257	13	depth	depth	NOUN
ijtc-1512	257	14	interviews	interview	NOUN
ijtc-1512	257	15	with	with	ADP
ijtc-1512	257	16	key	key	ADJ
ijtc-1512	257	17	stakeholders	stakeholder	NOUN
ijtc-1512	257	18	from	from	ADP
ijtc-1512	257	19	various	various	ADJ
ijtc-1512	257	20	organizations	organization	NOUN
ijtc-1512	257	21	.	.	PUNCT
ijtc-1512	258	1	furthermore	furthermore	ADV
ijtc-1512	258	2	,	,	PUNCT
ijtc-1512	258	3	it	it	PRON
ijtc-1512	258	4	's	be	AUX
ijtc-1512	258	5	crucial	crucial	ADJ
ijtc-1512	258	6	to	to	PART
ijtc-1512	258	7	consider	consider	VERB
ijtc-1512	258	8	the	the	DET
ijtc-1512	258	9	potential	potential	ADJ
ijtc-1512	258	10	implications	implication	NOUN
ijtc-1512	258	11	of	of	ADP
ijtc-1512	258	12	government	government	NOUN
ijtc-1512	258	13	regulations	regulation	NOUN
ijtc-1512	258	14	and	and	CCONJ
ijtc-1512	258	15	policies	policy	NOUN
ijtc-1512	258	16	,	,	PUNCT
ijtc-1512	258	17	as	as	ADV
ijtc-1512	258	18	well	well	ADV
ijtc-1512	258	19	as	as	ADP
ijtc-1512	258	20	the	the	DET
ijtc-1512	258	21	broader	broad	ADJ
ijtc-1512	258	22	economic	economic	ADJ
ijtc-1512	258	23	impact	impact	NOUN
ijtc-1512	258	24	both	both	CCONJ
ijtc-1512	258	25	locally	locally	ADV
ijtc-1512	258	26	and	and	CCONJ
ijtc-1512	258	27	globally	globally	ADV
ijtc-1512	258	28	.	.	PUNCT
ijtc-1512	259	1	with	with	ADP
ijtc-1512	259	2	technology	technology	NOUN
ijtc-1512	259	3	constantly	constantly	ADV
ijtc-1512	259	4	evolving	evolve	VERB
ijtc-1512	259	5	,	,	PUNCT
ijtc-1512	259	6	organizations	organization	NOUN
ijtc-1512	259	7	must	must	AUX
ijtc-1512	259	8	adapt	adapt	VERB
ijtc-1512	259	9	and	and	CCONJ
ijtc-1512	259	10	innovate	innovate	VERB
ijtc-1512	259	11	to	to	PART
ijtc-1512	259	12	remain	remain	VERB
ijtc-1512	259	13	competitive	competitive	ADJ
ijtc-1512	259	14	.	.	PUNCT
ijtc-1512	260	1	this	this	PRON
ijtc-1512	260	2	necessitates	necessitate	VERB
ijtc-1512	260	3	collaborative	collaborative	ADJ
ijtc-1512	260	4	efforts	effort	NOUN
ijtc-1512	260	5	between	between	ADP
ijtc-1512	260	6	government	government	NOUN
ijtc-1512	260	7	bodies	body	NOUN
ijtc-1512	260	8	,	,	PUNCT
ijtc-1512	260	9	businesses	business	NOUN
ijtc-1512	260	10	,	,	PUNCT
ijtc-1512	260	11	and	and	CCONJ
ijtc-1512	260	12	financial	financial	ADJ
ijtc-1512	260	13	institutions	institution	NOUN
ijtc-1512	260	14	.	.	PUNCT
ijtc-1512	261	1	by	by	ADP
ijtc-1512	261	2	taking	take	VERB
ijtc-1512	261	3	a	a	DET
ijtc-1512	261	4	proactive	proactive	ADJ
ijtc-1512	261	5	approach	approach	NOUN
ijtc-1512	261	6	and	and	CCONJ
ijtc-1512	261	7	addressing	address	VERB
ijtc-1512	261	8	challenges	challenge	NOUN
ijtc-1512	261	9	head	head	NOUN
ijtc-1512	261	10	-	-	PUNCT
ijtc-1512	261	11	on	on	ADP
ijtc-1512	261	12	,	,	PUNCT
ijtc-1512	261	13	it	it	PRON
ijtc-1512	261	14	's	be	AUX
ijtc-1512	261	15	possible	possible	ADJ
ijtc-1512	261	16	to	to	PART
ijtc-1512	261	17	mitigate	mitigate	VERB
ijtc-1512	261	18	risks	risk	NOUN
ijtc-1512	261	19	and	and	CCONJ
ijtc-1512	261	20	ensure	ensure	VERB
ijtc-1512	261	21	a	a	DET
ijtc-1512	261	22	smooth	smooth	ADJ
ijtc-1512	261	23	transition	transition	NOUN
ijtc-1512	261	24	to	to	ADP
ijtc-1512	261	25	alternative	alternative	ADJ
ijtc-1512	261	26	payment	payment	NOUN
ijtc-1512	261	27	methods	method	NOUN
ijtc-1512	261	28	.	.	PUNCT
ijtc-1512	262	1	through	through	ADP
ijtc-1512	262	2	thorough	thorough	ADJ
ijtc-1512	262	3	research	research	NOUN
ijtc-1512	262	4	and	and	CCONJ
ijtc-1512	262	5	understanding	understanding	NOUN
ijtc-1512	262	6	of	of	ADP
ijtc-1512	262	7	the	the	DET
ijtc-1512	262	8	multifaceted	multifaceted	ADJ
ijtc-1512	262	9	impacts	impact	NOUN
ijtc-1512	262	10	,	,	PUNCT
ijtc-1512	262	11	organizations	organization	NOUN
ijtc-1512	262	12	and	and	CCONJ
ijtc-1512	262	13	policymakers	policymaker	NOUN
ijtc-1512	262	14	can	can	AUX
ijtc-1512	262	15	make	make	VERB
ijtc-1512	262	16	informed	informed	ADJ
ijtc-1512	262	17	decisions	decision	NOUN
ijtc-1512	262	18	to	to	PART
ijtc-1512	262	19	navigate	navigate	VERB
ijtc-1512	262	20	the	the	DET
ijtc-1512	262	21	changing	change	VERB
ijtc-1512	262	22	landscape	landscape	NOUN
ijtc-1512	262	23	of	of	ADP
ijtc-1512	262	24	digital	digital	ADJ
ijtc-1512	262	25	transactions	transaction	NOUN
ijtc-1512	262	26	,	,	PUNCT
ijtc-1512	262	27	ultimately	ultimately	ADV
ijtc-1512	262	28	fostering	foster	VERB
ijtc-1512	262	29	a	a	DET
ijtc-1512	262	30	more	more	ADV
ijtc-1512	262	31	inclusive	inclusive	ADJ
ijtc-1512	262	32	and	and	CCONJ
ijtc-1512	262	33	resilient	resilient	ADJ
ijtc-1512	262	34	society	society	NOUN
ijtc-1512	262	35	.	.	PUNCT
ijtc-1512	263	1	references	reference	NOUN
ijtc-1512	263	2	abrahams	abrahams	PROPN
ijtc-1512	263	3	,	,	PUNCT
ijtc-1512	263	4	e.	e.	PROPN
ijtc-1512	263	5	&	&	CCONJ
ijtc-1512	263	6	pretorius	pretorius	PROPN
ijtc-1512	263	7	,	,	PUNCT
ijtc-1512	263	8	t.	t.	PROPN
ijtc-1512	263	9	(	(	PUNCT
ijtc-1512	263	10	2023	2023	NUM
ijtc-1512	263	11	)	)	PUNCT
ijtc-1512	263	12	the	the	DET
ijtc-1512	263	13	outcome	outcome	NOUN
ijtc-1512	263	14	of	of	ADP
ijtc-1512	263	15	the	the	DET
ijtc-1512	263	16	discontinuation	discontinuation	NOUN
ijtc-1512	263	17	of	of	ADP
ijtc-1512	263	18	cheques	cheque	NOUN
ijtc-1512	263	19	on	on	ADP
ijtc-1512	263	20	bank	bank	NOUN
ijtc-1512	263	21	reconciliation	reconciliation	NOUN
ijtc-1512	263	22	in	in	ADP
ijtc-1512	263	23	south	south	PROPN
ijtc-1512	263	24	africa	africa	PROPN
ijtc-1512	263	25	.	.	PUNCT
ijtc-1512	264	1	saims	saims	PROPN
ijtc-1512	264	2	.	.	PUNCT
ijtc-1512	265	1	saims.org	saims.org	X
ijtc-1512	265	2	adinolfi	adinolfi	VERB
ijtc-1512	265	3	,	,	PUNCT
ijtc-1512	265	4	m.c	m.c	PROPN
ijtc-1512	265	5	.	.	PROPN
ijtc-1512	265	6	,	,	PUNCT
ijtc-1512	265	7	harilal	harilal	PROPN
ijtc-1512	265	8	,	,	PUNCT
ijtc-1512	265	9	v.	v.	ADP
ijtc-1512	265	10	and	and	CCONJ
ijtc-1512	265	11	giddy	giddy	ADJ
ijtc-1512	265	12	,	,	PUNCT
ijtc-1512	265	13	j.k	j.k	PROPN
ijtc-1512	265	14	.	.	PROPN
ijtc-1512	266	1	(	(	PUNCT
ijtc-1512	266	2	2021	2021	NUM
ijtc-1512	266	3	)	)	PUNCT
ijtc-1512	266	4	travel	travel	NOUN
ijtc-1512	266	5	stokvels	stokvel	NOUN
ijtc-1512	266	6	,	,	PUNCT
ijtc-1512	266	7	leisure	leisure	NOUN
ijtc-1512	266	8	on	on	ADP
ijtc-1512	266	9	lay	lay	NOUN
ijtc-1512	266	10	-	-	PUNCT
ijtc-1512	266	11	by	by	NOUN
ijtc-1512	266	12	,	,	PUNCT
ijtc-1512	266	13	and	and	CCONJ
ijtc-1512	266	14	pay	pay	VERB
ijtc-1512	266	15	at	at	ADP
ijtc-1512	266	16	your	your	PRON
ijtc-1512	266	17	pace	pace	NOUN
ijtc-1512	266	18	options	option	NOUN
ijtc-1512	266	19	:	:	PUNCT
ijtc-1512	266	20	the	the	DET
ijtc-1512	266	21	post	post	NOUN
ijtc-1512	266	22	covid-19	covid-19	PROPN
ijtc-1512	266	23	domestic	domestic	ADJ
ijtc-1512	266	24	tourism	tourism	NOUN
ijtc-1512	266	25	landscape	landscape	NOUN
ijtc-1512	266	26	in	in	ADP
ijtc-1512	266	27	south	south	PROPN
ijtc-1512	266	28	africa	africa	PROPN
ijtc-1512	266	29	.	.	PUNCT
ijtc-1512	267	1	african	african	ADJ
ijtc-1512	267	2	journal	journal	PROPN
ijtc-1512	267	3	of	of	ADP
ijtc-1512	267	4	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	267	5	https://saims.org/wp-content/uploads/2024/01/saims-2023-proceedings.pdf#page=571	https://saims.org/wp-content/uploads/2024/01/saims-2023-proceedings.pdf#page=571	NUM
ijtc-1512	267	6	examining	examine	VERB
ijtc-1512	267	7	the	the	DET
ijtc-1512	267	8	management	management	NOUN
ijtc-1512	267	9	impact	impact	NOUN
ijtc-1512	267	10	:	:	PUNCT
ijtc-1512	267	11	a	a	DET
ijtc-1512	267	12	literature	literature	NOUN
ijtc-1512	267	13	review	review	NOUN
ijtc-1512	267	14	on	on	ADP
ijtc-1512	267	15	the	the	DET
ijtc-1512	267	16	phasing	phasing	NOUN
ijtc-1512	267	17	out	out	ADP
ijtc-1512	267	18	of	of	ADP
ijtc-1512	267	19	cheques	cheque	NOUN
ijtc-1512	267	20	in	in	ADP
ijtc-1512	267	21	south	south	PROPN
ijtc-1512	267	22	africa	africa	PROPN
ijtc-1512	267	23	abrahams	abrahams	PROPN
ijtc-1512	267	24	and	and	CCONJ
ijtc-1512	267	25	pretorius	pretorius	NOUN
ijtc-1512	267	26	13	13	NUM
ijtc-1512	267	27	|	|	ADV
ijtc-1512	267	28	ilomata	ilomata	PROPN
ijtc-1512	267	29	international	international	ADJ
ijtc-1512	267	30	journal	journal	NOUN
ijtc-1512	267	31	of	of	ADP
ijtc-1512	267	32	tax	tax	PROPN
ijtc-1512	267	33	&	&	CCONJ
ijtc-1512	267	34	accounting	accounting	PROPN
ijtc-1512	267	35	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	267	36	hospitality	hospitality	NOUN
ijtc-1512	267	37	,	,	PUNCT
ijtc-1512	267	38	tourism	tourism	NOUN
ijtc-1512	267	39	and	and	CCONJ
ijtc-1512	267	40	leisure	leisure	NOUN
ijtc-1512	267	41	,	,	PUNCT
ijtc-1512	267	42	10(1	10(1	NUM
ijtc-1512	267	43	)	)	PUNCT
ijtc-1512	267	44	,	,	PUNCT
ijtc-1512	267	45	pp.302	pp.302	NOUN
ijtc-1512	267	46	-	-	PUNCT
ijtc-1512	267	47	317	317	NUM
ijtc-1512	267	48	.	.	PUNCT
ijtc-1512	268	1	uj.ac.za	uj.ac.za	ADJ
ijtc-1512	268	2	afeti	afeti	PROPN
ijtc-1512	268	3	,	,	PUNCT
ijtc-1512	268	4	e.y	e.y	PROPN
ijtc-1512	268	5	.	.	PROPN
ijtc-1512	268	6	and	and	CCONJ
ijtc-1512	268	7	amanfo	amanfo	PROPN
ijtc-1512	268	8	,	,	PUNCT
ijtc-1512	268	9	j.o	j.o	PROPN
ijtc-1512	268	10	.	.	PROPN
ijtc-1512	268	11	(	(	PUNCT
ijtc-1512	268	12	2021	2021	NUM
ijtc-1512	268	13	)	)	PUNCT
ijtc-1512	268	14	enablers	enabler	NOUN
ijtc-1512	268	15	and	and	CCONJ
ijtc-1512	268	16	inhibitors	inhibitor	NOUN
ijtc-1512	268	17	of	of	ADP
ijtc-1512	268	18	merchant	merchant	NOUN
ijtc-1512	268	19	adoption	adoption	NOUN
ijtc-1512	268	20	of	of	ADP
ijtc-1512	268	21	mobile	mobile	ADJ
ijtc-1512	268	22	payments	payment	NOUN
ijtc-1512	268	23	:	:	PUNCT
ijtc-1512	268	24	a	a	DET
ijtc-1512	268	25	developing	develop	VERB
ijtc-1512	268	26	country	country	NOUN
ijtc-1512	268	27	perspective	perspective	NOUN
ijtc-1512	268	28	.	.	PUNCT
ijtc-1512	269	1	in	in	ADP
ijtc-1512	269	2	research	research	NOUN
ijtc-1512	269	3	anthology	anthology	NOUN
ijtc-1512	269	4	on	on	ADP
ijtc-1512	269	5	concepts	concept	NOUN
ijtc-1512	269	6	,	,	PUNCT
ijtc-1512	269	7	applications	application	NOUN
ijtc-1512	269	8	,	,	PUNCT
ijtc-1512	269	9	and	and	CCONJ
ijtc-1512	269	10	challenges	challenge	NOUN
ijtc-1512	269	11	of	of	ADP
ijtc-1512	269	12	fintech	fintech	NOUN
ijtc-1512	269	13	(	(	PUNCT
ijtc-1512	269	14	pp	pp	ADJ
ijtc-1512	269	15	.	.	PUNCT
ijtc-1512	269	16	535	535	NUM
ijtc-1512	269	17	-	-	SYM
ijtc-1512	269	18	558	558	NUM
ijtc-1512	269	19	)	)	PUNCT
ijtc-1512	269	20	.	.	PUNCT
ijtc-1512	270	1	igi	igi	PROPN
ijtc-1512	270	2	global	global	PROPN
ijtc-1512	270	3	.	.	PUNCT
ijtc-1512	271	1	agur	agur	PROPN
ijtc-1512	271	2	,	,	PUNCT
ijtc-1512	271	3	i.	i.	PROPN
ijtc-1512	271	4	,	,	PUNCT
ijtc-1512	271	5	peria	peria	PROPN
ijtc-1512	271	6	,	,	PUNCT
ijtc-1512	271	7	s.m	s.m	PROPN
ijtc-1512	271	8	.	.	PROPN
ijtc-1512	271	9	and	and	CCONJ
ijtc-1512	271	10	rochon	rochon	PROPN
ijtc-1512	271	11	,	,	PUNCT
ijtc-1512	271	12	c.	c.	PROPN
ijtc-1512	271	13	(	(	PUNCT
ijtc-1512	271	14	2020	2020	NUM
ijtc-1512	271	15	)	)	PUNCT
ijtc-1512	271	16	digital	digital	ADJ
ijtc-1512	271	17	financial	financial	ADJ
ijtc-1512	271	18	services	service	NOUN
ijtc-1512	271	19	and	and	CCONJ
ijtc-1512	271	20	the	the	DET
ijtc-1512	271	21	pandemic	pandemic	ADJ
ijtc-1512	271	22	:	:	PUNCT
ijtc-1512	271	23	opportunities	opportunity	NOUN
ijtc-1512	271	24	and	and	CCONJ
ijtc-1512	271	25	risks	risk	NOUN
ijtc-1512	271	26	for	for	ADP
ijtc-1512	271	27	emerging	emerge	VERB
ijtc-1512	271	28	and	and	CCONJ
ijtc-1512	271	29	developing	develop	VERB
ijtc-1512	271	30	economies	economy	NOUN
ijtc-1512	271	31	.	.	PUNCT
ijtc-1512	272	1	international	international	ADJ
ijtc-1512	272	2	monetary	monetary	ADJ
ijtc-1512	272	3	fund	fund	PROPN
ijtc-1512	272	4	special	special	ADJ
ijtc-1512	272	5	series	series	NOUN
ijtc-1512	272	6	on	on	ADP
ijtc-1512	272	7	covid-19	covid-19	PROPN
ijtc-1512	272	8	,	,	PUNCT
ijtc-1512	272	9	transactions	transaction	NOUN
ijtc-1512	272	10	,	,	PUNCT
ijtc-1512	272	11	1	1	NUM
ijtc-1512	272	12	,	,	PUNCT
ijtc-1512	272	13	pp.2	pp.2	NOUN
ijtc-1512	272	14	-	-	PUNCT
ijtc-1512	272	15	1	1	NUM
ijtc-1512	272	16	.	.	PUNCT
ijtc-1512	273	1	imf.org	imf.org	PROPN
ijtc-1512	273	2	ahmad	ahmad	PROPN
ijtc-1512	273	3	,	,	PUNCT
ijtc-1512	273	4	a.	a.	PROPN
ijtc-1512	273	5	h.	h.	PROPN
ijtc-1512	273	6	,	,	PUNCT
ijtc-1512	273	7	green	green	PROPN
ijtc-1512	273	8	,	,	PUNCT
ijtc-1512	273	9	c.	c.	PROPN
ijtc-1512	273	10	,	,	PUNCT
ijtc-1512	273	11	&	&	CCONJ
ijtc-1512	273	12	jiang	jiang	PROPN
ijtc-1512	273	13	,	,	PUNCT
ijtc-1512	273	14	f.	f.	PROPN
ijtc-1512	273	15	(	(	PUNCT
ijtc-1512	273	16	2020	2020	NUM
ijtc-1512	273	17	)	)	PUNCT
ijtc-1512	273	18	mobile	mobile	ADJ
ijtc-1512	273	19	money	money	NOUN
ijtc-1512	273	20	,	,	PUNCT
ijtc-1512	273	21	financial	financial	ADJ
ijtc-1512	273	22	inclusion	inclusion	NOUN
ijtc-1512	273	23	and	and	CCONJ
ijtc-1512	273	24	development	development	NOUN
ijtc-1512	273	25	:	:	PUNCT
ijtc-1512	273	26	a	a	DET
ijtc-1512	273	27	review	review	NOUN
ijtc-1512	273	28	with	with	ADP
ijtc-1512	273	29	reference	reference	NOUN
ijtc-1512	273	30	to	to	ADP
ijtc-1512	273	31	african	african	ADJ
ijtc-1512	273	32	experience	experience	NOUN
ijtc-1512	273	33	.	.	PUNCT
ijtc-1512	274	1	journal	journal	NOUN
ijtc-1512	274	2	of	of	ADP
ijtc-1512	274	3	economic	economic	ADJ
ijtc-1512	274	4	surveys	survey	NOUN
ijtc-1512	274	5	.	.	PUNCT
ijtc-1512	275	1	wiley.com	wiley.com	X
ijtc-1512	275	2	ahmed	ahmed	PROPN
ijtc-1512	275	3	,	,	PUNCT
ijtc-1512	275	4	w.	w.	PROPN
ijtc-1512	275	5	,	,	PUNCT
ijtc-1512	275	6	rasool	rasool	PROPN
ijtc-1512	275	7	,	,	PUNCT
ijtc-1512	275	8	a.	a.	PROPN
ijtc-1512	275	9	,	,	PUNCT
ijtc-1512	275	10	javed	javed	PROPN
ijtc-1512	275	11	,	,	PUNCT
ijtc-1512	275	12	a.r	a.r	PROPN
ijtc-1512	275	13	.	.	PROPN
ijtc-1512	275	14	,	,	PUNCT
ijtc-1512	275	15	kumar	kumar	PROPN
ijtc-1512	275	16	,	,	PUNCT
ijtc-1512	275	17	n.	n.	NOUN
ijtc-1512	275	18	,	,	PUNCT
ijtc-1512	275	19	gadekallu	gadekallu	PROPN
ijtc-1512	275	20	,	,	PUNCT
ijtc-1512	275	21	t.r	t.r	PROPN
ijtc-1512	275	22	.	.	PROPN
ijtc-1512	275	23	,	,	PUNCT
ijtc-1512	275	24	jalil	jalil	PROPN
ijtc-1512	275	25	,	,	PUNCT
ijtc-1512	275	26	z.	z.	PROPN
ijtc-1512	275	27	and	and	CCONJ
ijtc-1512	275	28	kryvinska	kryvinska	PROPN
ijtc-1512	275	29	,	,	PUNCT
ijtc-1512	275	30	n.	n.	NOUN
ijtc-1512	275	31	(	(	PUNCT
ijtc-1512	275	32	2021	2021	NUM
ijtc-1512	275	33	)	)	PUNCT
ijtc-1512	275	34	security	security	NOUN
ijtc-1512	275	35	in	in	ADP
ijtc-1512	275	36	next	next	ADJ
ijtc-1512	275	37	generation	generation	NOUN
ijtc-1512	275	38	mobile	mobile	ADJ
ijtc-1512	275	39	payment	payment	NOUN
ijtc-1512	275	40	systems	system	NOUN
ijtc-1512	275	41	:	:	PUNCT
ijtc-1512	275	42	a	a	DET
ijtc-1512	275	43	comprehensive	comprehensive	ADJ
ijtc-1512	275	44	survey	survey	NOUN
ijtc-1512	275	45	.	.	PUNCT
ijtc-1512	276	1	ieee	ieee	NOUN
ijtc-1512	276	2	access	access	NOUN
ijtc-1512	276	3	,	,	PUNCT
ijtc-1512	276	4	9	9	NUM
ijtc-1512	276	5	,	,	PUNCT
ijtc-1512	276	6	pp.115932	pp.115932	PROPN
ijtc-1512	276	7	-	-	PUNCT
ijtc-1512	276	8	115950	115950	NUM
ijtc-1512	276	9	.	.	PUNCT
ijtc-1512	277	1	ieee.org	ieee.org	X
ijtc-1512	277	2	alvaredo	alvaredo	VERB
ijtc-1512	277	3	,	,	PUNCT
ijtc-1512	277	4	f.	f.	PROPN
ijtc-1512	277	5	&	&	CCONJ
ijtc-1512	277	6	atkinson	atkinson	PROPN
ijtc-1512	277	7	,	,	PUNCT
ijtc-1512	277	8	a.	a.	PROPN
ijtc-1512	277	9	b.	b.	PROPN
ijtc-1512	277	10	(	(	PUNCT
ijtc-1512	277	11	2022	2022	NUM
ijtc-1512	277	12	)	)	PUNCT
ijtc-1512	277	13	top	top	ADJ
ijtc-1512	277	14	incomes	income	NOUN
ijtc-1512	277	15	in	in	ADP
ijtc-1512	277	16	south	south	PROPN
ijtc-1512	277	17	africa	africa	PROPN
ijtc-1512	277	18	in	in	ADP
ijtc-1512	277	19	the	the	DET
ijtc-1512	277	20	twentieth	twentieth	ADJ
ijtc-1512	277	21	century	century	NOUN
ijtc-1512	277	22	.	.	PUNCT
ijtc-1512	278	1	cliometrica	cliometrica	PROPN
ijtc-1512	278	2	.	.	PUNCT
ijtc-1512	279	1	springer.com	springer.com	X
ijtc-1512	279	2	alzoubi	alzoubi	PROPN
ijtc-1512	279	3	,	,	PUNCT
ijtc-1512	279	4	h.	h.	PROPN
ijtc-1512	279	5	,	,	PUNCT
ijtc-1512	279	6	alshurideh	alshurideh	ADV
ijtc-1512	279	7	,	,	PUNCT
ijtc-1512	279	8	m.	m.	NOUN
ijtc-1512	279	9	,	,	PUNCT
ijtc-1512	279	10	kurdi	kurdi	PROPN
ijtc-1512	279	11	,	,	PUNCT
ijtc-1512	279	12	b.a	b.a	PROPN
ijtc-1512	279	13	.	.	PROPN
ijtc-1512	279	14	,	,	PUNCT
ijtc-1512	279	15	alhyasat	alhyasat	VERB
ijtc-1512	279	16	,	,	PUNCT
ijtc-1512	279	17	k.	k.	PROPN
ijtc-1512	279	18	and	and	CCONJ
ijtc-1512	279	19	ghazal	ghazal	PROPN
ijtc-1512	279	20	,	,	PUNCT
ijtc-1512	279	21	t.	t.	PROPN
ijtc-1512	279	22	(	(	PUNCT
ijtc-1512	279	23	2022	2022	NUM
ijtc-1512	279	24	)	)	PUNCT
ijtc-1512	279	25	.	.	PUNCT
ijtc-1512	280	1	the	the	DET
ijtc-1512	280	2	effect	effect	NOUN
ijtc-1512	280	3	of	of	ADP
ijtc-1512	280	4	e	e	NOUN
ijtc-1512	280	5	-	-	NOUN
ijtc-1512	280	6	payment	payment	NOUN
ijtc-1512	280	7	and	and	CCONJ
ijtc-1512	280	8	online	online	NOUN
ijtc-1512	280	9	shopping	shopping	NOUN
ijtc-1512	280	10	on	on	ADP
ijtc-1512	280	11	sales	sale	NOUN
ijtc-1512	280	12	growth	growth	NOUN
ijtc-1512	280	13	:	:	PUNCT
ijtc-1512	280	14	evidence	evidence	NOUN
ijtc-1512	280	15	from	from	ADP
ijtc-1512	280	16	banking	banking	NOUN
ijtc-1512	280	17	industry	industry	NOUN
ijtc-1512	280	18	.	.	PUNCT
ijtc-1512	281	1	international	international	ADJ
ijtc-1512	281	2	journal	journal	PROPN
ijtc-1512	281	3	of	of	ADP
ijtc-1512	281	4	data	datum	NOUN
ijtc-1512	281	5	and	and	CCONJ
ijtc-1512	281	6	network	network	NOUN
ijtc-1512	281	7	science	science	NOUN
ijtc-1512	281	8	,	,	PUNCT
ijtc-1512	281	9	6(4	6(4	NOUN
ijtc-1512	281	10	)	)	PUNCT
ijtc-1512	281	11	,	,	PUNCT
ijtc-1512	281	12	pp.1369	pp.1369	PROPN
ijtc-1512	281	13	-	-	SYM
ijtc-1512	281	14	1380	1380	NUM
ijtc-1512	281	15	.	.	PUNCT
ijtc-1512	282	1	growingscience.com	growingscience.com	X
ijtc-1512	282	2	ardizzi	ardizzi	NOUN
ijtc-1512	282	3	,	,	PUNCT
ijtc-1512	282	4	g.	g.	PROPN
ijtc-1512	282	5	,	,	PUNCT
ijtc-1512	282	6	nobili	nobili	PROPN
ijtc-1512	282	7	,	,	PUNCT
ijtc-1512	282	8	a.	a.	NOUN
ijtc-1512	282	9	,	,	PUNCT
ijtc-1512	282	10	&	&	CCONJ
ijtc-1512	282	11	rocco	rocco	PROPN
ijtc-1512	282	12	,	,	PUNCT
ijtc-1512	282	13	g.	g.	PROPN
ijtc-1512	282	14	(	(	PUNCT
ijtc-1512	282	15	2020	2020	NUM
ijtc-1512	282	16	)	)	PUNCT
ijtc-1512	282	17	.	.	PUNCT
ijtc-1512	283	1	a	a	DET
ijtc-1512	283	2	game	game	NOUN
ijtc-1512	283	3	changer	changer	NOUN
ijtc-1512	283	4	in	in	ADP
ijtc-1512	283	5	payment	payment	NOUN
ijtc-1512	283	6	habits	habit	NOUN
ijtc-1512	283	7	:	:	PUNCT
ijtc-1512	283	8	evidence	evidence	NOUN
ijtc-1512	283	9	from	from	ADP
ijtc-1512	283	10	daily	daily	ADJ
ijtc-1512	283	11	data	datum	NOUN
ijtc-1512	283	12	during	during	ADP
ijtc-1512	283	13	a	a	DET
ijtc-1512	283	14	pandemic	pandemic	ADJ
ijtc-1512	283	15	.	.	PUNCT
ijtc-1512	284	1	bank	bank	PROPN
ijtc-1512	284	2	of	of	ADP
ijtc-1512	284	3	italy	italy	PROPN
ijtc-1512	284	4	occasional	occasional	ADJ
ijtc-1512	284	5	paper	paper	NOUN
ijtc-1512	284	6	.	.	PUNCT
ijtc-1512	285	1	sipotra.it	sipotra.it	NOUN
ijtc-1512	285	2	arnaiz	arnaiz	ADV
ijtc-1512	285	3	,	,	PUNCT
ijtc-1512	285	4	p.	p.	NOUN
ijtc-1512	285	5	,	,	PUNCT
ijtc-1512	285	6	seelig	seelig	PROPN
ijtc-1512	285	7	,	,	PUNCT
ijtc-1512	285	8	h.	h.	PROPN
ijtc-1512	285	9	,	,	PUNCT
ijtc-1512	285	10	gerber	gerber	PROPN
ijtc-1512	285	11	,	,	PUNCT
ijtc-1512	285	12	m.	m.	NOUN
ijtc-1512	285	13	,	,	PUNCT
ijtc-1512	285	14	adams	adams	PROPN
ijtc-1512	285	15	,	,	PUNCT
ijtc-1512	285	16	l.	l.	PROPN
ijtc-1512	285	17	,	,	PUNCT
ijtc-1512	285	18	degen	degen	PROPN
ijtc-1512	285	19	,	,	PUNCT
ijtc-1512	285	20	j.	j.	PROPN
ijtc-1512	285	21	,	,	PUNCT
ijtc-1512	285	22	dolley	dolley	PROPN
ijtc-1512	285	23	,	,	PUNCT
ijtc-1512	285	24	d.	d.	PROPN
ijtc-1512	285	25	,	,	PUNCT
ijtc-1512	285	26	joubert	joubert	PROPN
ijtc-1512	285	27	,	,	PUNCT
ijtc-1512	285	28	n.	n.	PROPN
ijtc-1512	285	29	,	,	PUNCT
ijtc-1512	285	30	nienaber	nienaber	NOUN
ijtc-1512	285	31	,	,	PUNCT
ijtc-1512	285	32	m.	m.	NOUN
ijtc-1512	285	33	,	,	PUNCT
ijtc-1512	285	34	nqweniso	nqweniso	PROPN
ijtc-1512	285	35	,	,	PUNCT
ijtc-1512	285	36	s.	s.	PROPN
ijtc-1512	285	37	,	,	PUNCT
ijtc-1512	285	38	steinmann	steinmann	PROPN
ijtc-1512	285	39	,	,	PUNCT
ijtc-1512	285	40	p.	p.	NOUN
ijtc-1512	285	41	and	and	CCONJ
ijtc-1512	285	42	utzinger	utzinger	PROPN
ijtc-1512	285	43	,	,	PUNCT
ijtc-1512	285	44	j.	j.	PROPN
ijtc-1512	285	45	(	(	PUNCT
ijtc-1512	285	46	2023	2023	NUM
ijtc-1512	285	47	)	)	PUNCT
ijtc-1512	285	48	.	.	PUNCT
ijtc-1512	286	1	intervention	intervention	NOUN
ijtc-1512	286	2	effects	effect	NOUN
ijtc-1512	286	3	and	and	CCONJ
ijtc-1512	286	4	long	long	ADJ
ijtc-1512	286	5	-	-	PUNCT
ijtc-1512	286	6	term	term	NOUN
ijtc-1512	286	7	changes	change	NOUN
ijtc-1512	286	8	in	in	ADP
ijtc-1512	286	9	physical	physical	ADJ
ijtc-1512	286	10	activity	activity	NOUN
ijtc-1512	286	11	and	and	CCONJ
ijtc-1512	286	12	cardiometabolic	cardiometabolic	NOUN
ijtc-1512	286	13	outcomes	outcome	NOUN
ijtc-1512	286	14	among	among	ADP
ijtc-1512	286	15	children	child	NOUN
ijtc-1512	286	16	at	at	ADP
ijtc-1512	286	17	risk	risk	NOUN
ijtc-1512	286	18	of	of	ADP
ijtc-1512	286	19	noncommunicable	noncommunicable	ADJ
ijtc-1512	286	20	diseases	disease	NOUN
ijtc-1512	286	21	in	in	ADP
ijtc-1512	286	22	south	south	PROPN
ijtc-1512	286	23	africa	africa	PROPN
ijtc-1512	286	24	:	:	PUNCT
ijtc-1512	286	25	a	a	DET
ijtc-1512	286	26	cluster	cluster	NOUN
ijtc-1512	286	27	-	-	PUNCT
ijtc-1512	286	28	randomized	randomize	VERB
ijtc-1512	286	29	controlled	control	VERB
ijtc-1512	286	30	trial	trial	NOUN
ijtc-1512	286	31	and	and	CCONJ
ijtc-1512	286	32	follow	follow	VERB
ijtc-1512	286	33	-	-	PUNCT
ijtc-1512	286	34	up	up	ADP
ijtc-1512	286	35	analysis	analysis	NOUN
ijtc-1512	286	36	.	.	PUNCT
ijtc-1512	287	1	frontiers	frontier	NOUN
ijtc-1512	287	2	in	in	ADP
ijtc-1512	287	3	public	public	ADJ
ijtc-1512	287	4	health	health	NOUN
ijtc-1512	287	5	,	,	PUNCT
ijtc-1512	287	6	11	11	NUM
ijtc-1512	287	7	,	,	PUNCT
ijtc-1512	287	8	p.1199381	p.1199381	PROPN
ijtc-1512	287	9	.	.	PUNCT
ijtc-1512	288	1	frontiersin.org	frontiersin.org	X
ijtc-1512	288	2	asah	asah	NOUN
ijtc-1512	288	3	,	,	PUNCT
ijtc-1512	288	4	f.t	f.t	PROPN
ijtc-1512	288	5	.	.	PROPN
ijtc-1512	288	6	and	and	CCONJ
ijtc-1512	288	7	louw	louw	PROPN
ijtc-1512	288	8	,	,	PUNCT
ijtc-1512	288	9	l.	l.	PROPN
ijtc-1512	288	10	(	(	PUNCT
ijtc-1512	288	11	2021	2021	NUM
ijtc-1512	288	12	)	)	PUNCT
ijtc-1512	288	13	.	.	PUNCT
ijtc-1512	289	1	guidelines	guideline	NOUN
ijtc-1512	289	2	and	and	CCONJ
ijtc-1512	289	3	criteria	criterion	NOUN
ijtc-1512	289	4	used	use	VERB
ijtc-1512	289	5	by	by	ADP
ijtc-1512	289	6	formal	formal	ADJ
ijtc-1512	289	7	financial	financial	ADJ
ijtc-1512	289	8	institutions	institution	NOUN
ijtc-1512	289	9	to	to	PART
ijtc-1512	289	10	assess	assess	VERB
ijtc-1512	289	11	credit	credit	NOUN
ijtc-1512	289	12	applications	application	NOUN
ijtc-1512	289	13	from	from	ADP
ijtc-1512	289	14	small	small	ADJ
ijtc-1512	289	15	and	and	CCONJ
ijtc-1512	289	16	medium	medium	ADJ
ijtc-1512	289	17	enterprises	enterprise	NOUN
ijtc-1512	289	18	in	in	ADP
ijtc-1512	289	19	south	south	PROPN
ijtc-1512	289	20	africa	africa	PROPN
ijtc-1512	289	21	.	.	PUNCT
ijtc-1512	290	1	the	the	DET
ijtc-1512	290	2	southern	southern	ADJ
ijtc-1512	290	3	african	african	ADJ
ijtc-1512	290	4	journal	journal	NOUN
ijtc-1512	290	5	of	of	ADP
ijtc-1512	290	6	entrepreneurship	entrepreneurship	NOUN
ijtc-1512	290	7	and	and	CCONJ
ijtc-1512	290	8	small	small	ADJ
ijtc-1512	290	9	business	business	NOUN
ijtc-1512	290	10	management	management	NOUN
ijtc-1512	290	11	,	,	PUNCT
ijtc-1512	290	12	13(1	13(1	NUM
ijtc-1512	290	13	)	)	PUNCT
ijtc-1512	290	14	,	,	PUNCT
ijtc-1512	290	15	p.9	p.9	X
ijtc-1512	290	16	.	.	PUNCT
ijtc-1512	291	1	sajesbm.co.za	sajesbm.co.za	NOUN
ijtc-1512	291	2	auer	auer	PROPN
ijtc-1512	291	3	,	,	PUNCT
ijtc-1512	291	4	r.	r.	PROPN
ijtc-1512	291	5	&	&	CCONJ
ijtc-1512	291	6	böhme	böhme	PROPN
ijtc-1512	291	7	,	,	PUNCT
ijtc-1512	291	8	r.	r.	PROPN
ijtc-1512	291	9	(	(	PUNCT
ijtc-1512	291	10	2020	2020	NUM
ijtc-1512	291	11	)	)	PUNCT
ijtc-1512	291	12	.	.	PUNCT
ijtc-1512	292	1	the	the	DET
ijtc-1512	292	2	technology	technology	NOUN
ijtc-1512	292	3	of	of	ADP
ijtc-1512	292	4	retail	retail	ADJ
ijtc-1512	292	5	central	central	ADJ
ijtc-1512	292	6	bank	bank	PROPN
ijtc-1512	292	7	digital	digital	ADJ
ijtc-1512	292	8	currency	currency	NOUN
ijtc-1512	292	9	.	.	PUNCT
ijtc-1512	293	1	bis	bis	PROPN
ijtc-1512	293	2	quarterly	quarterly	ADJ
ijtc-1512	293	3	review	review	NOUN
ijtc-1512	293	4	.	.	PUNCT
ijtc-1512	294	1	bis.org	bis.org	ADJ
ijtc-1512	294	2	auer	auer	NOUN
ijtc-1512	294	3	,	,	PUNCT
ijtc-1512	294	4	r.	r.	PROPN
ijtc-1512	294	5	,	,	PUNCT
ijtc-1512	294	6	cornelli	cornelli	PROPN
ijtc-1512	294	7	,	,	PUNCT
ijtc-1512	294	8	g.	g.	PROPN
ijtc-1512	294	9	,	,	PUNCT
ijtc-1512	294	10	&	&	CCONJ
ijtc-1512	294	11	frost	frost	NOUN
ijtc-1512	294	12	,	,	PUNCT
ijtc-1512	294	13	j.	j.	PROPN
ijtc-1512	294	14	(	(	PUNCT
ijtc-1512	294	15	2020	2020	NUM
ijtc-1512	294	16	)	)	PUNCT
ijtc-1512	294	17	rise	rise	NOUN
ijtc-1512	294	18	of	of	ADP
ijtc-1512	294	19	the	the	DET
ijtc-1512	294	20	central	central	ADJ
ijtc-1512	294	21	bank	bank	PROPN
ijtc-1512	294	22	digital	digital	ADJ
ijtc-1512	294	23	currencies	currency	NOUN
ijtc-1512	294	24	:	:	PUNCT
ijtc-1512	294	25	drivers	driver	NOUN
ijtc-1512	294	26	,	,	PUNCT
ijtc-1512	294	27	approaches	approach	NOUN
ijtc-1512	294	28	and	and	CCONJ
ijtc-1512	294	29	technologies	technology	NOUN
ijtc-1512	294	30	.	.	PUNCT
ijtc-1512	295	1	econstor.eu	econstor.eu	X
ijtc-1512	295	2	balliester	balliester	NOUN
ijtc-1512	295	3	reis	reis	NOUN
ijtc-1512	295	4	,	,	PUNCT
ijtc-1512	295	5	t.	t.	PROPN
ijtc-1512	295	6	(	(	PUNCT
ijtc-1512	295	7	2022	2022	NUM
ijtc-1512	295	8	)	)	PUNCT
ijtc-1512	295	9	.	.	PUNCT
ijtc-1512	296	1	socio‐economic	socio‐economic	ADJ
ijtc-1512	296	2	determinants	determinant	NOUN
ijtc-1512	296	3	of	of	ADP
ijtc-1512	296	4	financial	financial	ADJ
ijtc-1512	296	5	inclusion	inclusion	NOUN
ijtc-1512	296	6	:	:	PUNCT
ijtc-1512	296	7	an	an	DET
ijtc-1512	296	8	evaluation	evaluation	NOUN
ijtc-1512	296	9	with	with	ADP
ijtc-1512	296	10	a	a	DET
ijtc-1512	296	11	microdata	microdata	NOUN
ijtc-1512	296	12	multidimensional	multidimensional	ADJ
ijtc-1512	296	13	index	index	NOUN
ijtc-1512	296	14	.	.	PUNCT
ijtc-1512	297	1	journal	journal	PROPN
ijtc-1512	297	2	of	of	ADP
ijtc-1512	297	3	international	international	ADJ
ijtc-1512	297	4	development	development	NOUN
ijtc-1512	297	5	.	.	PUNCT
ijtc-1512	298	1	soas.ac.uk	soas.ac.uk	VERB
ijtc-1512	298	2	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1512	298	3	https://ujcontent.uj.ac.za/view/pdfcoverpage?instcode=27uoj_inst&filepid=135671740007691&download=true	https://ujcontent.uj.ac.za/view/pdfcoverpage?instcode=27uoj_inst&filepid=135671740007691&download=true	NOUN
ijtc-1512	298	4	https://www.imf.org/~/media/files/publications/covid19-special-notes/en-special-series-on-covid-19-digital-financial-services-and-the-pandemic.ashx?la=en&utm_medium=email&utm_source=govdelivery	https://www.imf.org/~/media/files/publications/covid19-special-notes/en-special-series-on-covid-19-digital-financial-services-and-the-pandemic.ashx?la=en&utm_medium=email&utm_source=govdelivery	NOUN
ijtc-1512	298	5	https://onlinelibrary.wiley.com/doi/pdf/10.1111/joes.12372	https://onlinelibrary.wiley.com/doi/pdf/10.1111/joes.12372	ADP
ijtc-1512	298	6	https://ieeexplore.ieee.org/iel7/6287639/6514899/09514868.pdf	https://ieeexplore.ieee.org/iel7/6287639/6514899/09514868.pdf	PROPN
ijtc-1512	298	7	https://link.springer.com/content/pdf/10.1007/s11698-021-00235-4.pdf	https://link.springer.com/content/pdf/10.1007/s11698-021-00235-4.pdf	PROPN
ijtc-1512	298	8	http://growingscience.com/ijds/vol6/ijdns_2022_75.pdf	http://growingscience.com/ijds/vol6/ijdns_2022_75.pdf	PROPN
ijtc-1512	298	9	https://www.sipotra.it/wp-content/uploads/2021/01/a-game-changer-in-payment-habits-evidence-from-daily-data-during-a-pandemic.pdf	https://www.sipotra.it/wp-content/uploads/2021/01/a-game-changer-in-payment-habits-evidence-from-daily-data-during-a-pandemic.pdf	PROPN
ijtc-1512	298	10	https://www.frontiersin.org/journals/public-health/articles/10.3389/fpubh.2023.1199381/pdf	https://www.frontiersin.org/journals/public-health/articles/10.3389/fpubh.2023.1199381/pdf	NOUN
ijtc-1512	298	11	https://sajesbm.co.za/index.php/sajesbm/article/download/373/509	https://sajesbm.co.za/index.php/sajesbm/article/download/373/509	ADJ
ijtc-1512	298	12	https://www.bis.org/publ/qtrpdf/r_qt2003j.htm?source=content_type%3areact%7cfirst_level_url%3aarticle%7csection%3amain_content%7cbutton%3abody_link	https://www.bis.org/publ/qtrpdf/r_qt2003j.htm?source=content_type%3areact%7cfirst_level_url%3aarticle%7csection%3amain_content%7cbutton%3abody_link	NOUN
ijtc-1512	298	13	https://www.econstor.eu/bitstream/10419/229473/1/cesifo1_wp8655.pdf	https://www.econstor.eu/bitstream/10419/229473/1/cesifo1_wp8655.pdf	PROPN
ijtc-1512	298	14	https://eprints.soas.ac.uk/36088/1/measuring%20financial%20inclusion_final_soas_repository.pdf	https://eprints.soas.ac.uk/36088/1/measuring%20financial%20inclusion_final_soas_repository.pdf	NOUN
ijtc-1512	298	15	examining	examine	VERB
ijtc-1512	298	16	the	the	DET
ijtc-1512	298	17	management	management	NOUN
ijtc-1512	298	18	impact	impact	NOUN
ijtc-1512	298	19	:	:	PUNCT
ijtc-1512	298	20	a	a	DET
ijtc-1512	298	21	literature	literature	NOUN
ijtc-1512	298	22	review	review	NOUN
ijtc-1512	298	23	on	on	ADP
ijtc-1512	298	24	the	the	DET
ijtc-1512	298	25	phasing	phasing	NOUN
ijtc-1512	298	26	out	out	ADP
ijtc-1512	298	27	of	of	ADP
ijtc-1512	298	28	cheques	cheque	NOUN
ijtc-1512	298	29	in	in	ADP
ijtc-1512	298	30	south	south	PROPN
ijtc-1512	298	31	africa	africa	PROPN
ijtc-1512	298	32	abrahams	abrahams	PROPN
ijtc-1512	298	33	and	and	CCONJ
ijtc-1512	298	34	pretorius	pretorius	NOUN
ijtc-1512	298	35	14	14	NUM
ijtc-1512	298	36	|	|	ADV
ijtc-1512	298	37	ilomata	ilomata	PROPN
ijtc-1512	298	38	international	international	ADJ
ijtc-1512	298	39	journal	journal	NOUN
ijtc-1512	298	40	of	of	ADP
ijtc-1512	298	41	tax	tax	PROPN
ijtc-1512	298	42	&	&	CCONJ
ijtc-1512	298	43	accounting	account	VERB
ijtc-1512	298	44	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	298	45	bargain	bargain	NOUN
ijtc-1512	298	46	,	,	PUNCT
ijtc-1512	298	47	o.	o.	PROPN
ijtc-1512	298	48	&	&	CCONJ
ijtc-1512	298	49	aminjonov	aminjonov	PROPN
ijtc-1512	298	50	,	,	PUNCT
ijtc-1512	298	51	u.	u.	PROPN
ijtc-1512	298	52	(	(	PUNCT
ijtc-1512	298	53	2021	2021	NUM
ijtc-1512	298	54	)	)	PUNCT
ijtc-1512	298	55	.	.	PUNCT
ijtc-1512	299	1	poverty	poverty	NOUN
ijtc-1512	299	2	and	and	CCONJ
ijtc-1512	299	3	covid-19	covid-19	PROPN
ijtc-1512	299	4	in	in	ADP
ijtc-1512	299	5	africa	africa	PROPN
ijtc-1512	299	6	and	and	CCONJ
ijtc-1512	299	7	latin	latin	PROPN
ijtc-1512	299	8	america	america	PROPN
ijtc-1512	299	9	.	.	PUNCT
ijtc-1512	300	1	world	world	NOUN
ijtc-1512	300	2	development	development	PROPN
ijtc-1512	300	3	.	.	PUNCT
ijtc-1512	301	1	sciencedirect.com	sciencedirect.com	X
ijtc-1512	301	2	bech	bech	PROPN
ijtc-1512	301	3	,	,	PUNCT
ijtc-1512	301	4	m.	m.	NOUN
ijtc-1512	301	5	l.	l.	PROPN
ijtc-1512	301	6	,	,	PUNCT
ijtc-1512	301	7	faruqui	faruqui	NOUN
ijtc-1512	301	8	,	,	PUNCT
ijtc-1512	301	9	u.	u.	PROPN
ijtc-1512	301	10	,	,	PUNCT
ijtc-1512	301	11	&	&	CCONJ
ijtc-1512	301	12	shirakami	shirakami	PROPN
ijtc-1512	301	13	,	,	PUNCT
ijtc-1512	301	14	t.	t.	PROPN
ijtc-1512	301	15	(	(	PUNCT
ijtc-1512	301	16	2020	2020	NUM
ijtc-1512	301	17	)	)	PUNCT
ijtc-1512	301	18	.	.	PUNCT
ijtc-1512	302	1	payments	payment	NOUN
ijtc-1512	302	2	without	without	ADP
ijtc-1512	302	3	borders	border	NOUN
ijtc-1512	302	4	.	.	PUNCT
ijtc-1512	303	1	bis	bis	PROPN
ijtc-1512	303	2	quarterly	quarterly	ADJ
ijtc-1512	303	3	review	review	NOUN
ijtc-1512	303	4	.	.	PUNCT
ijtc-1512	304	1	bis.org	bis.org	ADJ
ijtc-1512	304	2	bilotta	bilotta	NOUN
ijtc-1512	304	3	,	,	PUNCT
ijtc-1512	304	4	n.	n.	NOUN
ijtc-1512	304	5	and	and	CCONJ
ijtc-1512	304	6	botti	botti	PROPN
ijtc-1512	304	7	,	,	PUNCT
ijtc-1512	304	8	f.	f.	PROPN
ijtc-1512	304	9	(	(	PUNCT
ijtc-1512	304	10	2021	2021	NUM
ijtc-1512	304	11	)	)	PUNCT
ijtc-1512	304	12	.	.	PUNCT
ijtc-1512	305	1	cbdcs	cbdcs	PROPN
ijtc-1512	305	2	:	:	PUNCT
ijtc-1512	305	3	the	the	PRON
ijtc-1512	305	4	(	(	PUNCT
ijtc-1512	305	5	near	near	ADJ
ijtc-1512	305	6	?	?	PUNCT
ijtc-1512	305	7	)	)	PUNCT
ijtc-1512	306	1	future	future	NOUN
ijtc-1512	306	2	of	of	ADP
ijtc-1512	306	3	a	a	DET
ijtc-1512	306	4	cashless	cashless	NOUN
ijtc-1512	306	5	economy	economy	NOUN
ijtc-1512	306	6	.	.	PUNCT
ijtc-1512	307	1	the	the	DET
ijtc-1512	307	2	(	(	PUNCT
ijtc-1512	307	3	near	near	ADJ
ijtc-1512	307	4	)	)	PUNCT
ijtc-1512	307	5	future	future	NOUN
ijtc-1512	307	6	of	of	ADP
ijtc-1512	307	7	central	central	ADJ
ijtc-1512	307	8	bank	bank	NOUN
ijtc-1512	307	9	digital	digital	ADJ
ijtc-1512	307	10	currencies	currency	NOUN
ijtc-1512	307	11	.	.	PUNCT
ijtc-1512	308	1	global	global	ADJ
ijtc-1512	308	2	politics	politic	NOUN
ijtc-1512	308	3	and	and	CCONJ
ijtc-1512	308	4	security	security	NOUN
ijtc-1512	308	5	,	,	PUNCT
ijtc-1512	308	6	pp.15	pp.15	PROPN
ijtc-1512	308	7	-	-	PROPN
ijtc-1512	308	8	40	40	NUM
ijtc-1512	308	9	.	.	PUNCT
ijtc-1512	309	1	oapen.org	oapen.org	X
ijtc-1512	309	2	bisht	bisht	PROPN
ijtc-1512	309	3	,	,	PUNCT
ijtc-1512	309	4	d.	d.	PROPN
ijtc-1512	309	5	,	,	PUNCT
ijtc-1512	309	6	singh	singh	PROPN
ijtc-1512	309	7	,	,	PUNCT
ijtc-1512	309	8	r.	r.	PROPN
ijtc-1512	309	9	,	,	PUNCT
ijtc-1512	309	10	gehlot	gehlot	NOUN
ijtc-1512	309	11	,	,	PUNCT
ijtc-1512	309	12	a.	a.	NOUN
ijtc-1512	309	13	,	,	PUNCT
ijtc-1512	309	14	akram	akram	PROPN
ijtc-1512	309	15	,	,	PUNCT
ijtc-1512	309	16	s.	s.	PROPN
ijtc-1512	309	17	v.	v.	PROPN
ijtc-1512	309	18	,	,	PUNCT
ijtc-1512	309	19	singh	singh	PROPN
ijtc-1512	309	20	,	,	PUNCT
ijtc-1512	309	21	a.	a.	PROPN
ijtc-1512	309	22	,	,	PUNCT
ijtc-1512	309	23	montero	montero	PROPN
ijtc-1512	309	24	,	,	PUNCT
ijtc-1512	309	25	e.	e.	PROPN
ijtc-1512	309	26	c.	c.	PROPN
ijtc-1512	309	27	,	,	PUNCT
ijtc-1512	309	28	priyadarshi	priyadarshi	PROPN
ijtc-1512	309	29	,	,	PUNCT
ijtc-1512	309	30	n.	n.	NOUN
ijtc-1512	309	31	,	,	PUNCT
ijtc-1512	309	32	&	&	CCONJ
ijtc-1512	309	33	twala	twala	PROPN
ijtc-1512	309	34	,	,	PUNCT
ijtc-1512	309	35	b.	b.	PROPN
ijtc-1512	309	36	(	(	PUNCT
ijtc-1512	309	37	2022	2022	NUM
ijtc-1512	309	38	)	)	PUNCT
ijtc-1512	309	39	.	.	PUNCT
ijtc-1512	310	1	imperative	imperative	ADJ
ijtc-1512	310	2	role	role	NOUN
ijtc-1512	310	3	of	of	ADP
ijtc-1512	310	4	integrating	integrate	VERB
ijtc-1512	310	5	digitalization	digitalization	NOUN
ijtc-1512	310	6	in	in	ADP
ijtc-1512	310	7	the	the	DET
ijtc-1512	310	8	firm	firm	NOUN
ijtc-1512	310	9	's	's	PART
ijtc-1512	310	10	finance	finance	NOUN
ijtc-1512	310	11	:	:	PUNCT
ijtc-1512	310	12	a	a	DET
ijtc-1512	310	13	technological	technological	ADJ
ijtc-1512	310	14	perspective	perspective	NOUN
ijtc-1512	310	15	.	.	PUNCT
ijtc-1512	311	1	electronics	electronic	NOUN
ijtc-1512	311	2	,	,	PUNCT
ijtc-1512	311	3	11(19	11(19	PROPN
ijtc-1512	311	4	)	)	PUNCT
ijtc-1512	311	5	,	,	PUNCT
ijtc-1512	311	6	3252	3252	NUM
ijtc-1512	311	7	.	.	PUNCT
ijtc-1512	312	1	https://doi.org/10.3390/electronics11193252	https://doi.org/10.3390/electronics11193252	NOUN
ijtc-1512	312	2	bisong	bisong	PROPN
ijtc-1512	312	3	,	,	PUNCT
ijtc-1512	312	4	a.	a.	NOUN
ijtc-1512	312	5	,	,	PUNCT
ijtc-1512	312	6	ahairwe	ahairwe	NOUN
ijtc-1512	312	7	,	,	PUNCT
ijtc-1512	312	8	p.	p.	PROPN
ijtc-1512	312	9	e.	e.	PROPN
ijtc-1512	312	10	,	,	PUNCT
ijtc-1512	312	11	&	&	CCONJ
ijtc-1512	312	12	njoroge	njoroge	PROPN
ijtc-1512	312	13	,	,	PUNCT
ijtc-1512	312	14	e.	e.	PROPN
ijtc-1512	312	15	(	(	PUNCT
ijtc-1512	312	16	2020	2020	NUM
ijtc-1512	312	17	)	)	PUNCT
ijtc-1512	312	18	.	.	PUNCT
ijtc-1512	313	1	the	the	DET
ijtc-1512	313	2	impact	impact	NOUN
ijtc-1512	313	3	of	of	ADP
ijtc-1512	313	4	covid-19	covid-19	PROPN
ijtc-1512	313	5	on	on	ADP
ijtc-1512	313	6	remittances	remittance	NOUN
ijtc-1512	313	7	for	for	ADP
ijtc-1512	313	8	development	development	NOUN
ijtc-1512	313	9	in	in	ADP
ijtc-1512	313	10	africa	africa	PROPN
ijtc-1512	313	11	.	.	PUNCT
ijtc-1512	314	1	maastricht	maastricht	PROPN
ijtc-1512	314	2	:	:	PUNCT
ijtc-1512	314	3	european	european	ADJ
ijtc-1512	314	4	centre	centre	PROPN
ijtc-1512	314	5	for	for	ADP
ijtc-1512	314	6	development	development	NOUN
ijtc-1512	314	7	policy	policy	NOUN
ijtc-1512	314	8	management	management	NOUN
ijtc-1512	314	9	.	.	PUNCT
ijtc-1512	315	1	retrieved	retrieve	VERB
ijtc-1512	315	2	from	from	ADP
ijtc-1512	315	3	https://ecdpm.org	https://ecdpm.org	PROPN
ijtc-1512	315	4	bojjagani	bojjagani	NOUN
ijtc-1512	315	5	,	,	PUNCT
ijtc-1512	315	6	s.	s.	PROPN
ijtc-1512	315	7	,	,	PUNCT
ijtc-1512	315	8	sastry	sastry	PROPN
ijtc-1512	315	9	,	,	PUNCT
ijtc-1512	315	10	v.	v.	PROPN
ijtc-1512	315	11	n.	n.	PROPN
ijtc-1512	315	12	,	,	PUNCT
ijtc-1512	315	13	chen	chen	PROPN
ijtc-1512	315	14	,	,	PUNCT
ijtc-1512	315	15	c.	c.	PROPN
ijtc-1512	315	16	m.	m.	PROPN
ijtc-1512	315	17	,	,	PUNCT
ijtc-1512	315	18	kumari	kumari	PROPN
ijtc-1512	315	19	,	,	PUNCT
ijtc-1512	315	20	s.	s.	PROPN
ijtc-1512	315	21	,	,	PUNCT
ijtc-1512	315	22	&	&	CCONJ
ijtc-1512	315	23	khan	khan	PROPN
ijtc-1512	315	24	,	,	PUNCT
ijtc-1512	315	25	m.	m.	PROPN
ijtc-1512	315	26	k.	k.	PROPN
ijtc-1512	315	27	(	(	PUNCT
ijtc-1512	315	28	2023	2023	NUM
ijtc-1512	315	29	)	)	PUNCT
ijtc-1512	315	30	.	.	PUNCT
ijtc-1512	316	1	systematic	systematic	ADJ
ijtc-1512	316	2	survey	survey	NOUN
ijtc-1512	316	3	of	of	ADP
ijtc-1512	316	4	mobile	mobile	ADJ
ijtc-1512	316	5	payments	payment	NOUN
ijtc-1512	316	6	,	,	PUNCT
ijtc-1512	316	7	protocols	protocol	NOUN
ijtc-1512	316	8	,	,	PUNCT
ijtc-1512	316	9	and	and	CCONJ
ijtc-1512	316	10	security	security	NOUN
ijtc-1512	316	11	infrastructure	infrastructure	NOUN
ijtc-1512	316	12	.	.	PUNCT
ijtc-1512	317	1	journal	journal	PROPN
ijtc-1512	317	2	of	of	ADP
ijtc-1512	317	3	ambient	ambient	ADJ
ijtc-1512	317	4	intelligence	intelligence	NOUN
ijtc-1512	317	5	and	and	CCONJ
ijtc-1512	317	6	humanized	humanize	VERB
ijtc-1512	317	7	computing	computing	NOUN
ijtc-1512	317	8	,	,	PUNCT
ijtc-1512	317	9	14(1	14(1	NUM
ijtc-1512	317	10	)	)	PUNCT
ijtc-1512	317	11	,	,	PUNCT
ijtc-1512	317	12	609–654	609–654	NUM
ijtc-1512	317	13	.	.	PUNCT
ijtc-1512	317	14	retrieved	retrieve	VERB
ijtc-1512	317	15	from	from	ADP
ijtc-1512	317	16	https://www.researchgate.net	https://www.researchgate.net	PROPN
ijtc-1512	317	17	booysen	booysen	PROPN
ijtc-1512	317	18	,	,	PUNCT
ijtc-1512	317	19	s.	s.	PROPN
ijtc-1512	317	20	l.	l.	PROPN
ijtc-1512	317	21	(	(	PUNCT
ijtc-1512	317	22	2022	2022	NUM
ijtc-1512	317	23	)	)	PUNCT
ijtc-1512	317	24	.	.	PUNCT
ijtc-1512	318	1	a	a	DET
ijtc-1512	318	2	comparative	comparative	ADJ
ijtc-1512	318	3	analysis	analysis	NOUN
ijtc-1512	318	4	of	of	ADP
ijtc-1512	318	5	the	the	DET
ijtc-1512	318	6	aspects	aspect	NOUN
ijtc-1512	318	7	of	of	ADP
ijtc-1512	318	8	the	the	DET
ijtc-1512	318	9	law	law	NOUN
ijtc-1512	318	10	of	of	ADP
ijtc-1512	318	11	south	south	PROPN
ijtc-1512	318	12	africa	africa	PROPN
ijtc-1512	318	13	and	and	CCONJ
ijtc-1512	318	14	the	the	DET
ijtc-1512	318	15	united	united	PROPN
ijtc-1512	318	16	states	states	PROPN
ijtc-1512	318	17	of	of	ADP
ijtc-1512	318	18	america	america	PROPN
ijtc-1512	318	19	regarding	regard	VERB
ijtc-1512	318	20	money	money	NOUN
ijtc-1512	318	21	laundering	laundering	NOUN
ijtc-1512	318	22	and	and	CCONJ
ijtc-1512	318	23	the	the	DET
ijtc-1512	318	24	financing	financing	NOUN
ijtc-1512	318	25	of	of	ADP
ijtc-1512	318	26	terrorism	terrorism	NOUN
ijtc-1512	318	27	.	.	PUNCT
ijtc-1512	319	1	retrieved	retrieve	VERB
ijtc-1512	319	2	from	from	ADP
ijtc-1512	319	3	https://www.uj.ac.za	https://www.uj.ac.za	NOUN
ijtc-1512	319	4	bosompem	bosompem	NOUN
ijtc-1512	319	5	,	,	PUNCT
ijtc-1512	319	6	h.	h.	PROPN
ijtc-1512	319	7	k.	k.	PROPN
ijtc-1512	319	8	,	,	PUNCT
ijtc-1512	319	9	&	&	CCONJ
ijtc-1512	319	10	nekhwevha	nekhwevha	PROPN
ijtc-1512	319	11	,	,	PUNCT
ijtc-1512	319	12	f.	f.	PROPN
ijtc-1512	319	13	h.	h.	PROPN
ijtc-1512	319	14	(	(	PUNCT
ijtc-1512	319	15	2023	2023	NUM
ijtc-1512	319	16	)	)	PUNCT
ijtc-1512	319	17	.	.	PUNCT
ijtc-1512	320	1	bridging	bridge	VERB
ijtc-1512	320	2	the	the	DET
ijtc-1512	320	3	disconnection	disconnection	NOUN
ijtc-1512	320	4	between	between	ADP
ijtc-1512	320	5	donor	donor	NOUN
ijtc-1512	320	6	support	support	NOUN
ijtc-1512	320	7	and	and	CCONJ
ijtc-1512	320	8	democratisation	democratisation	NOUN
ijtc-1512	320	9	in	in	ADP
ijtc-1512	320	10	south	south	PROPN
ijtc-1512	320	11	africa	africa	PROPN
ijtc-1512	320	12	:	:	PUNCT
ijtc-1512	320	13	the	the	DET
ijtc-1512	320	14	case	case	NOUN
ijtc-1512	320	15	of	of	ADP
ijtc-1512	320	16	the	the	DET
ijtc-1512	320	17	buffalo	buffalo	PROPN
ijtc-1512	320	18	city	city	PROPN
ijtc-1512	320	19	metropolitan	metropolitan	PROPN
ijtc-1512	320	20	municipality	municipality	NOUN
ijtc-1512	320	21	.	.	PUNCT
ijtc-1512	321	1	cogent	cogent	ADJ
ijtc-1512	321	2	social	social	ADJ
ijtc-1512	321	3	sciences	science	NOUN
ijtc-1512	321	4	.	.	PUNCT
ijtc-1512	322	1	retrieved	retrieve	VERB
ijtc-1512	322	2	from	from	ADP
ijtc-1512	322	3	https://www.tandfonline.com	https://www.tandfonline.com	X
ijtc-1512	322	4	botha	botha	PROPN
ijtc-1512	322	5	,	,	PUNCT
ijtc-1512	322	6	a.	a.	NOUN
ijtc-1512	322	7	,	,	PUNCT
ijtc-1512	322	8	smulders	smulder	NOUN
ijtc-1512	322	9	,	,	PUNCT
ijtc-1512	322	10	s.	s.	PROPN
ijtc-1512	322	11	a.	a.	PROPN
ijtc-1512	322	12	,	,	PUNCT
ijtc-1512	322	13	combrink	combrink	VERB
ijtc-1512	322	14	,	,	PUNCT
ijtc-1512	322	15	h.	h.	PROPN
ijtc-1512	322	16	a.	a.	PROPN
ijtc-1512	322	17	,	,	PUNCT
ijtc-1512	322	18	&	&	CCONJ
ijtc-1512	322	19	meiring	meiring	PROPN
ijtc-1512	322	20	,	,	PUNCT
ijtc-1512	322	21	j.	j.	PROPN
ijtc-1512	322	22	(	(	PUNCT
ijtc-1512	322	23	2021	2021	NUM
ijtc-1512	322	24	)	)	PUNCT
ijtc-1512	322	25	.	.	PUNCT
ijtc-1512	323	1	challenges	challenge	NOUN
ijtc-1512	323	2	,	,	PUNCT
ijtc-1512	323	3	barriers	barrier	NOUN
ijtc-1512	323	4	and	and	CCONJ
ijtc-1512	323	5	policy	policy	NOUN
ijtc-1512	323	6	development	development	NOUN
ijtc-1512	323	7	for	for	ADP
ijtc-1512	323	8	south	south	ADJ
ijtc-1512	323	9	african	african	ADJ
ijtc-1512	323	10	smmes	smme	NOUN
ijtc-1512	323	11	–	–	PUNCT
ijtc-1512	323	12	does	do	VERB
ijtc-1512	323	13	size	size	NOUN
ijtc-1512	323	14	matter	matter	NOUN
ijtc-1512	323	15	?	?	PUNCT
ijtc-1512	324	1	development	development	PROPN
ijtc-1512	324	2	southern	southern	PROPN
ijtc-1512	324	3	africa	africa	PROPN
ijtc-1512	324	4	,	,	PUNCT
ijtc-1512	324	5	38(2	38(2	NOUN
ijtc-1512	324	6	)	)	PUNCT
ijtc-1512	324	7	,	,	PUNCT
ijtc-1512	324	8	153	153	NUM
ijtc-1512	324	9	–	–	PUNCT
ijtc-1512	324	10	174	174	NUM
ijtc-1512	324	11	.	.	PUNCT
ijtc-1512	324	12	retrieved	retrieve	VERB
ijtc-1512	324	13	from	from	ADP
ijtc-1512	324	14	https://www.tandfonline.com	https://www.tandfonline.com	X
ijtc-1512	324	15	bowden	bowden	PROPN
ijtc-1512	324	16	,	,	PUNCT
ijtc-1512	324	17	j.	j.	PROPN
ijtc-1512	324	18	,	,	PUNCT
ijtc-1512	324	19	king	king	NOUN
ijtc-1512	324	20	,	,	PUNCT
ijtc-1512	324	21	t.	t.	PROPN
ijtc-1512	324	22	,	,	PUNCT
ijtc-1512	324	23	koutmos	koutmos	PROPN
ijtc-1512	324	24	,	,	PUNCT
ijtc-1512	324	25	d.	d.	PROPN
ijtc-1512	324	26	,	,	PUNCT
ijtc-1512	324	27	loncan	loncan	NOUN
ijtc-1512	324	28	,	,	PUNCT
ijtc-1512	324	29	t.	t.	PROPN
ijtc-1512	324	30	,	,	PUNCT
ijtc-1512	324	31	&	&	CCONJ
ijtc-1512	324	32	stentella	stentella	PROPN
ijtc-1512	324	33	lopes	lopes	PROPN
ijtc-1512	324	34	,	,	PUNCT
ijtc-1512	324	35	f.	f.	PROPN
ijtc-1512	324	36	s.	s.	PROPN
ijtc-1512	324	37	(	(	PUNCT
ijtc-1512	324	38	2021	2021	NUM
ijtc-1512	324	39	)	)	PUNCT
ijtc-1512	324	40	.	.	PUNCT
ijtc-1512	325	1	a	a	DET
ijtc-1512	325	2	taxonomy	taxonomy	NOUN
ijtc-1512	325	3	of	of	ADP
ijtc-1512	325	4	fintech	fintech	NOUN
ijtc-1512	325	5	innovation	innovation	NOUN
ijtc-1512	325	6	.	.	PUNCT
ijtc-1512	326	1	in	in	ADP
ijtc-1512	326	2	disruptive	disruptive	ADJ
ijtc-1512	326	3	technology	technology	NOUN
ijtc-1512	326	4	in	in	ADP
ijtc-1512	326	5	banking	banking	NOUN
ijtc-1512	326	6	and	and	CCONJ
ijtc-1512	326	7	finance	finance	NOUN
ijtc-1512	326	8	:	:	PUNCT
ijtc-1512	326	9	an	an	DET
ijtc-1512	326	10	international	international	ADJ
ijtc-1512	326	11	perspective	perspective	NOUN
ijtc-1512	326	12	on	on	ADP
ijtc-1512	326	13	fintech	fintech	NOUN
ijtc-1512	326	14	(	(	PUNCT
ijtc-1512	326	15	pp	pp	ADJ
ijtc-1512	326	16	.	.	PUNCT
ijtc-1512	327	1	47–91	47–91	NUM
ijtc-1512	327	2	)	)	PUNCT
ijtc-1512	327	3	.	.	PUNCT
ijtc-1512	328	1	bretas	breta	NOUN
ijtc-1512	328	2	,	,	PUNCT
ijtc-1512	328	3	v.	v.	PROPN
ijtc-1512	328	4	p.	p.	PROPN
ijtc-1512	328	5	g.	g.	PROPN
ijtc-1512	328	6	,	,	PUNCT
ijtc-1512	328	7	&	&	CCONJ
ijtc-1512	328	8	alon	alon	PROPN
ijtc-1512	328	9	,	,	PUNCT
ijtc-1512	328	10	i.	i.	PROPN
ijtc-1512	328	11	(	(	PUNCT
ijtc-1512	328	12	2020	2020	NUM
ijtc-1512	328	13	)	)	PUNCT
ijtc-1512	328	14	.	.	PUNCT
ijtc-1512	329	1	the	the	DET
ijtc-1512	329	2	impact	impact	NOUN
ijtc-1512	329	3	of	of	ADP
ijtc-1512	329	4	covid‐19	covid‐19	PROPN
ijtc-1512	329	5	on	on	ADP
ijtc-1512	329	6	franchising	franchise	VERB
ijtc-1512	329	7	in	in	ADP
ijtc-1512	329	8	emerging	emerge	VERB
ijtc-1512	329	9	markets	market	NOUN
ijtc-1512	329	10	:	:	PUNCT
ijtc-1512	329	11	an	an	DET
ijtc-1512	329	12	example	example	NOUN
ijtc-1512	329	13	from	from	ADP
ijtc-1512	329	14	brazil	brazil	PROPN
ijtc-1512	329	15	.	.	PUNCT
ijtc-1512	330	1	global	global	ADJ
ijtc-1512	330	2	business	business	NOUN
ijtc-1512	330	3	and	and	CCONJ
ijtc-1512	330	4	organizational	organizational	ADJ
ijtc-1512	330	5	excellence	excellence	NOUN
ijtc-1512	330	6	,	,	PUNCT
ijtc-1512	330	7	39(6	39(6	NOUN
ijtc-1512	330	8	)	)	PUNCT
ijtc-1512	330	9	,	,	PUNCT
ijtc-1512	330	10	6–16	6–16	PROPN
ijtc-1512	330	11	.	.	PUNCT
ijtc-1512	330	12	retrieved	retrieve	VERB
ijtc-1512	330	13	from	from	ADP
ijtc-1512	330	14	https://www.wiley.com	https://www.wiley.com	X
ijtc-1512	330	15	bukvic	bukvic	PROPN
ijtc-1512	330	16	,	,	PUNCT
ijtc-1512	330	17	i.	i.	PROPN
ijtc-1512	330	18	b.	b.	PROPN
ijtc-1512	330	19	(	(	PUNCT
ijtc-1512	330	20	2021	2021	NUM
ijtc-1512	330	21	)	)	PUNCT
ijtc-1512	330	22	.	.	PUNCT
ijtc-1512	331	1	adoption	adoption	NOUN
ijtc-1512	331	2	of	of	ADP
ijtc-1512	331	3	online	online	ADJ
ijtc-1512	331	4	payments	payment	NOUN
ijtc-1512	331	5	during	during	ADP
ijtc-1512	331	6	the	the	DET
ijtc-1512	331	7	covid-19	covid-19	PROPN
ijtc-1512	331	8	pandemic	pandemic	NOUN
ijtc-1512	331	9	.	.	PUNCT
ijtc-1512	332	1	in	in	ADP
ijtc-1512	332	2	economic	economic	ADJ
ijtc-1512	332	3	and	and	CCONJ
ijtc-1512	332	4	social	social	ADJ
ijtc-1512	332	5	development	development	NOUN
ijtc-1512	332	6	:	:	PUNCT
ijtc-1512	332	7	book	book	NOUN
ijtc-1512	332	8	of	of	ADP
ijtc-1512	332	9	proceedings	proceeding	NOUN
ijtc-1512	332	10	(	(	PUNCT
ijtc-1512	332	11	pp	pp	ADJ
ijtc-1512	332	12	.	.	PUNCT
ijtc-1512	332	13	58–67	58–67	NUM
ijtc-1512	332	14	)	)	PUNCT
ijtc-1512	332	15	.	.	PUNCT
ijtc-1512	333	1	retrieved	retrieve	VERB
ijtc-1512	333	2	from	from	ADP
ijtc-1512	333	3	https://www.researchgate.net	https://www.researchgate.net	PROPN
ijtc-1512	333	4	burns	burn	NOUN
ijtc-1512	333	5	,	,	PUNCT
ijtc-1512	333	6	s.	s.	PROPN
ijtc-1512	333	7	(	(	PUNCT
ijtc-1512	333	8	2022	2022	NUM
ijtc-1512	333	9	)	)	PUNCT
ijtc-1512	333	10	.	.	PUNCT
ijtc-1512	334	1	the	the	DET
ijtc-1512	334	2	silicon	silicon	NOUN
ijtc-1512	334	3	savannah	savannah	PROPN
ijtc-1512	334	4	:	:	PUNCT
ijtc-1512	334	5	exploring	explore	VERB
ijtc-1512	334	6	the	the	DET
ijtc-1512	334	7	promise	promise	NOUN
ijtc-1512	334	8	of	of	ADP
ijtc-1512	334	9	cryptocurrency	cryptocurrency	NOUN
ijtc-1512	334	10	in	in	ADP
ijtc-1512	334	11	africa	africa	PROPN
ijtc-1512	334	12	.	.	PUNCT
ijtc-1512	335	1	in	in	ADP
ijtc-1512	335	2	the	the	DET
ijtc-1512	335	3	economics	economic	NOUN
ijtc-1512	335	4	of	of	ADP
ijtc-1512	335	5	blockchain	blockchain	PROPN
ijtc-1512	335	6	and	and	CCONJ
ijtc-1512	335	7	cryptocurrency	cryptocurrency	NOUN
ijtc-1512	335	8	.	.	PUNCT
ijtc-1512	336	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	336	2	https://www.sciencedirect.com/science/article/am/pii/s0305750x21000346	https://www.sciencedirect.com/science/article/am/pii/s0305750x21000346	NUM
ijtc-1512	336	3	https://www.bis.org/publ/qtrpdf/r_qt2003h.htm	https://www.bis.org/publ/qtrpdf/r_qt2003h.htm	NOUN
ijtc-1512	337	1	https://library.oapen.org/bitstream/handle/20.500.12657/47398/1/9783034342919.pdf#page=17	https://library.oapen.org/bitstream/handle/20.500.12657/47398/1/9783034342919.pdf#page=17	PROPN
ijtc-1512	337	2	https://ecdpm.org/	https://ecdpm.org/	PROPN
ijtc-1512	337	3	https://www.researchgate.net/	https://www.researchgate.net/	NOUN
ijtc-1512	337	4	https://www.uj.ac.za/	https://www.uj.ac.za/	PROPN
ijtc-1512	337	5	https://www.tandfonline.com/	https://www.tandfonline.com/	PROPN
ijtc-1512	337	6	https://www.tandfonline.com/	https://www.tandfonline.com/	PROPN
ijtc-1512	337	7	https://www.wiley.com/	https://www.wiley.com/	PROPN
ijtc-1512	337	8	https://www.researchgate.net/	https://www.researchgate.net/	NOUN
ijtc-1512	337	9	examining	examine	VERB
ijtc-1512	337	10	the	the	DET
ijtc-1512	337	11	management	management	NOUN
ijtc-1512	337	12	impact	impact	NOUN
ijtc-1512	337	13	:	:	PUNCT
ijtc-1512	337	14	a	a	DET
ijtc-1512	337	15	literature	literature	NOUN
ijtc-1512	337	16	review	review	NOUN
ijtc-1512	337	17	on	on	ADP
ijtc-1512	337	18	the	the	DET
ijtc-1512	337	19	phasing	phasing	NOUN
ijtc-1512	337	20	out	out	ADP
ijtc-1512	337	21	of	of	ADP
ijtc-1512	337	22	cheques	cheque	NOUN
ijtc-1512	337	23	in	in	ADP
ijtc-1512	337	24	south	south	PROPN
ijtc-1512	337	25	africa	africa	PROPN
ijtc-1512	337	26	abrahams	abrahams	PROPN
ijtc-1512	337	27	and	and	CCONJ
ijtc-1512	337	28	pretorius	pretorius	NOUN
ijtc-1512	337	29	15	15	NUM
ijtc-1512	337	30	|	|	NOUN
ijtc-1512	337	31	ilomata	ilomata	PROPN
ijtc-1512	337	32	international	international	ADJ
ijtc-1512	337	33	journal	journal	NOUN
ijtc-1512	337	34	of	of	ADP
ijtc-1512	337	35	tax	tax	PROPN
ijtc-1512	337	36	&	&	CCONJ
ijtc-1512	337	37	accounting	accounting	PROPN
ijtc-1512	337	38	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	337	39	cantó	cantó	PROPN
ijtc-1512	337	40	,	,	PUNCT
ijtc-1512	337	41	c.	c.	PROPN
ijtc-1512	337	42	,	,	PUNCT
ijtc-1512	337	43	cavallino	cavallino	NOUN
ijtc-1512	337	44	,	,	PUNCT
ijtc-1512	337	45	p.	p.	NOUN
ijtc-1512	337	46	,	,	PUNCT
ijtc-1512	337	47	de	de	X
ijtc-1512	337	48	fiore	fiore	NOUN
ijtc-1512	337	49	,	,	PUNCT
ijtc-1512	337	50	f.	f.	PROPN
ijtc-1512	337	51	,	,	PUNCT
ijtc-1512	337	52	&	&	CCONJ
ijtc-1512	337	53	yetman	yetman	PROPN
ijtc-1512	337	54	,	,	PUNCT
ijtc-1512	337	55	j.	j.	PROPN
ijtc-1512	337	56	(	(	PUNCT
ijtc-1512	337	57	2021	2021	NUM
ijtc-1512	337	58	)	)	PUNCT
ijtc-1512	337	59	.	.	PUNCT
ijtc-1512	338	1	a	a	DET
ijtc-1512	338	2	global	global	ADJ
ijtc-1512	338	3	database	database	NOUN
ijtc-1512	338	4	on	on	ADP
ijtc-1512	338	5	central	central	ADJ
ijtc-1512	338	6	banks	bank	NOUN
ijtc-1512	338	7	'	'	PART
ijtc-1512	338	8	monetary	monetary	ADJ
ijtc-1512	338	9	responses	response	NOUN
ijtc-1512	338	10	to	to	ADP
ijtc-1512	338	11	covid-19	covid-19	PROPN
ijtc-1512	338	12	.	.	PUNCT
ijtc-1512	338	13	retrieved	retrieve	VERB
ijtc-1512	338	14	from	from	ADP
ijtc-1512	338	15	https://www.yale.edu	https://www.yale.edu	X
ijtc-1512	338	16	chen	chen	PROPN
ijtc-1512	338	17	,	,	PUNCT
ijtc-1512	338	18	y.	y.	PROPN
ijtc-1512	338	19	,	,	PUNCT
ijtc-1512	338	20	kumara	kumara	PROPN
ijtc-1512	338	21	,	,	PUNCT
ijtc-1512	338	22	e.	e.	PROPN
ijtc-1512	338	23	k.	k.	PROPN
ijtc-1512	338	24	,	,	PUNCT
ijtc-1512	338	25	&	&	CCONJ
ijtc-1512	338	26	sivakumar	sivakumar	PROPN
ijtc-1512	338	27	,	,	PUNCT
ijtc-1512	338	28	v.	v.	PROPN
ijtc-1512	338	29	(	(	PUNCT
ijtc-1512	338	30	2021	2021	NUM
ijtc-1512	338	31	)	)	PUNCT
ijtc-1512	338	32	.	.	PUNCT
ijtc-1512	339	1	investigation	investigation	NOUN
ijtc-1512	339	2	of	of	ADP
ijtc-1512	339	3	finance	finance	NOUN
ijtc-1512	339	4	industry	industry	NOUN
ijtc-1512	339	5	on	on	ADP
ijtc-1512	339	6	risk	risk	NOUN
ijtc-1512	339	7	awareness	awareness	NOUN
ijtc-1512	339	8	model	model	NOUN
ijtc-1512	339	9	and	and	CCONJ
ijtc-1512	339	10	digital	digital	ADJ
ijtc-1512	339	11	economic	economic	ADJ
ijtc-1512	339	12	growth	growth	NOUN
ijtc-1512	339	13	.	.	PUNCT
ijtc-1512	340	1	annals	annal	NOUN
ijtc-1512	340	2	of	of	ADP
ijtc-1512	340	3	operations	operation	NOUN
ijtc-1512	340	4	research	research	NOUN
ijtc-1512	340	5	.	.	PUNCT
ijtc-1512	341	1	retrieved	retrieve	VERB
ijtc-1512	341	2	from	from	ADP
ijtc-1512	341	3	https://www.springer.com	https://www.springer.com	X
ijtc-1512	341	4	chingapi	chingapi	PROPN
ijtc-1512	341	5	,	,	PUNCT
ijtc-1512	341	6	a.	a.	PROPN
ijtc-1512	341	7	,	,	PUNCT
ijtc-1512	341	8	&	&	CCONJ
ijtc-1512	341	9	steyn	steyn	PROPN
ijtc-1512	341	10	,	,	PUNCT
ijtc-1512	341	11	a.	a.	NOUN
ijtc-1512	341	12	a.	a.	NOUN
ijtc-1512	341	13	(	(	PUNCT
ijtc-1512	341	14	2022	2022	NUM
ijtc-1512	341	15	)	)	PUNCT
ijtc-1512	341	16	.	.	PUNCT
ijtc-1512	342	1	smes	sme	NOUN
ijtc-1512	342	2	in	in	ADP
ijtc-1512	342	3	south	south	PROPN
ijtc-1512	342	4	africa	africa	PROPN
ijtc-1512	342	5	:	:	PUNCT
ijtc-1512	342	6	the	the	DET
ijtc-1512	342	7	era	era	NOUN
ijtc-1512	342	8	of	of	ADP
ijtc-1512	342	9	adopting	adopt	VERB
ijtc-1512	342	10	mobile	mobile	ADJ
ijtc-1512	342	11	payment	payment	NOUN
ijtc-1512	342	12	solutions	solution	NOUN
ijtc-1512	342	13	.	.	PUNCT
ijtc-1512	343	1	in	in	ADP
ijtc-1512	343	2	proceedings	proceeding	NOUN
ijtc-1512	343	3	of	of	ADP
ijtc-1512	343	4	sixth	sixth	ADJ
ijtc-1512	343	5	international	international	ADJ
ijtc-1512	343	6	congress	congress	PROPN
ijtc-1512	343	7	on	on	ADP
ijtc-1512	343	8	information	information	NOUN
ijtc-1512	343	9	and	and	CCONJ
ijtc-1512	343	10	communication	communication	NOUN
ijtc-1512	343	11	technology	technology	NOUN
ijtc-1512	343	12	:	:	PUNCT
ijtc-1512	343	13	icict	icict	NOUN
ijtc-1512	343	14	2021	2021	NUM
ijtc-1512	343	15	,	,	PUNCT
ijtc-1512	343	16	london	london	PROPN
ijtc-1512	343	17	,	,	PUNCT
ijtc-1512	343	18	volume	volume	NOUN
ijtc-1512	343	19	1	1	NUM
ijtc-1512	343	20	(	(	PUNCT
ijtc-1512	343	21	pp	pp	ADJ
ijtc-1512	343	22	.	.	PUNCT
ijtc-1512	343	23	429–447	429–447	NUM
ijtc-1512	343	24	)	)	PUNCT
ijtc-1512	343	25	.	.	PUNCT
ijtc-1512	344	1	springer	springer	PROPN
ijtc-1512	344	2	singapore	singapore	PROPN
ijtc-1512	344	3	.	.	PUNCT
ijtc-1512	344	4	retrieved	retrieve	VERB
ijtc-1512	344	5	from	from	ADP
ijtc-1512	344	6	https://www.up.ac.za	https://www.up.ac.za	NOUN
ijtc-1512	344	7	chisiiwa	chisiiwa	NOUN
ijtc-1512	344	8	,	,	PUNCT
ijtc-1512	344	9	w.	w.	PROPN
ijtc-1512	344	10	(	(	PUNCT
ijtc-1512	344	11	2023	2023	NUM
ijtc-1512	344	12	)	)	PUNCT
ijtc-1512	344	13	.	.	PUNCT
ijtc-1512	345	1	regulation	regulation	NOUN
ijtc-1512	345	2	of	of	ADP
ijtc-1512	345	3	the	the	DET
ijtc-1512	345	4	cryptocurrency	cryptocurrency	NOUN
ijtc-1512	345	5	in	in	ADP
ijtc-1512	345	6	south	south	PROPN
ijtc-1512	345	7	africa	africa	PROPN
ijtc-1512	345	8	towards	towards	ADP
ijtc-1512	345	9	a	a	DET
ijtc-1512	345	10	legal	legal	ADJ
ijtc-1512	345	11	framework	framework	NOUN
ijtc-1512	345	12	.	.	PUNCT
ijtc-1512	346	1	retrieved	retrieve	VERB
ijtc-1512	346	2	from	from	ADP
ijtc-1512	346	3	https://www.nwu.ac.za	https://www.nwu.ac.za	PROPN
ijtc-1512	346	4	chitimira	chitimira	PROPN
ijtc-1512	346	5	,	,	PUNCT
ijtc-1512	346	6	h.	h.	PROPN
ijtc-1512	346	7	,	,	PUNCT
ijtc-1512	346	8	&	&	CCONJ
ijtc-1512	346	9	munedzi	munedzi	PROPN
ijtc-1512	346	10	,	,	PUNCT
ijtc-1512	346	11	s.	s.	PROPN
ijtc-1512	346	12	(	(	PUNCT
ijtc-1512	346	13	2021	2021	NUM
ijtc-1512	346	14	)	)	PUNCT
ijtc-1512	346	15	.	.	PUNCT
ijtc-1512	347	1	selected	select	VERB
ijtc-1512	347	2	challenges	challenge	NOUN
ijtc-1512	347	3	associated	associate	VERB
ijtc-1512	347	4	with	with	ADP
ijtc-1512	347	5	the	the	DET
ijtc-1512	347	6	reliance	reliance	NOUN
ijtc-1512	347	7	on	on	ADP
ijtc-1512	347	8	customer	customer	NOUN
ijtc-1512	347	9	due	due	ADJ
ijtc-1512	347	10	diligence	diligence	NOUN
ijtc-1512	347	11	measures	measure	NOUN
ijtc-1512	347	12	to	to	PART
ijtc-1512	347	13	curb	curb	VERB
ijtc-1512	347	14	money	money	NOUN
ijtc-1512	347	15	laundering	laundering	NOUN
ijtc-1512	347	16	in	in	ADP
ijtc-1512	347	17	south	south	ADJ
ijtc-1512	347	18	african	african	ADJ
ijtc-1512	347	19	banks	bank	NOUN
ijtc-1512	347	20	and	and	CCONJ
ijtc-1512	347	21	related	relate	VERB
ijtc-1512	347	22	financial	financial	ADJ
ijtc-1512	347	23	...	...	PUNCT
ijtc-1512	347	24	journal	journal	NOUN
ijtc-1512	347	25	of	of	ADP
ijtc-1512	347	26	comparative	comparative	ADJ
ijtc-1512	347	27	law	law	NOUN
ijtc-1512	347	28	in	in	ADP
ijtc-1512	347	29	africa	africa	PROPN
ijtc-1512	347	30	.	.	PUNCT
ijtc-1512	348	1	chitimira	chitimira	PROPN
ijtc-1512	348	2	,	,	PUNCT
ijtc-1512	348	3	h.	h.	PROPN
ijtc-1512	348	4	,	,	PUNCT
ijtc-1512	348	5	&	&	CCONJ
ijtc-1512	348	6	munedzi	munedzi	PROPN
ijtc-1512	348	7	,	,	PUNCT
ijtc-1512	348	8	s.	s.	PROPN
ijtc-1512	348	9	(	(	PUNCT
ijtc-1512	348	10	2023	2023	NUM
ijtc-1512	348	11	)	)	PUNCT
ijtc-1512	348	12	.	.	PUNCT
ijtc-1512	349	1	historical	historical	ADJ
ijtc-1512	349	2	aspects	aspect	NOUN
ijtc-1512	349	3	of	of	ADP
ijtc-1512	349	4	customer	customer	NOUN
ijtc-1512	349	5	due	due	ADJ
ijtc-1512	349	6	diligence	diligence	NOUN
ijtc-1512	349	7	and	and	CCONJ
ijtc-1512	349	8	related	related	ADJ
ijtc-1512	349	9	antimoney	antimoney	NOUN
ijtc-1512	349	10	laundering	laundering	NOUN
ijtc-1512	349	11	measures	measure	NOUN
ijtc-1512	349	12	in	in	ADP
ijtc-1512	349	13	south	south	PROPN
ijtc-1512	349	14	africa	africa	PROPN
ijtc-1512	349	15	.	.	PUNCT
ijtc-1512	350	1	journal	journal	PROPN
ijtc-1512	350	2	of	of	ADP
ijtc-1512	350	3	money	money	NOUN
ijtc-1512	350	4	laundering	laundering	NOUN
ijtc-1512	350	5	control	control	NOUN
ijtc-1512	350	6	.	.	PUNCT
ijtc-1512	351	1	retrieved	retrieve	VERB
ijtc-1512	351	2	from	from	ADP
ijtc-1512	351	3	https://www.emerald.com	https://www.emerald.com	X
ijtc-1512	351	4	chitimira	chitimira	PROPN
ijtc-1512	351	5	,	,	PUNCT
ijtc-1512	351	6	h.	h.	PROPN
ijtc-1512	351	7	,	,	PUNCT
ijtc-1512	351	8	&	&	CCONJ
ijtc-1512	351	9	ncube	ncube	NOUN
ijtc-1512	351	10	,	,	PUNCT
ijtc-1512	351	11	m.	m.	NOUN
ijtc-1512	351	12	(	(	PUNCT
ijtc-1512	351	13	2023	2023	NUM
ijtc-1512	351	14	)	)	PUNCT
ijtc-1512	351	15	.	.	PUNCT
ijtc-1512	352	1	the	the	DET
ijtc-1512	352	2	prospects	prospect	NOUN
ijtc-1512	352	3	and	and	CCONJ
ijtc-1512	352	4	challenges	challenge	NOUN
ijtc-1512	352	5	for	for	ADP
ijtc-1512	352	6	mobile	mobile	ADJ
ijtc-1512	352	7	money	money	NOUN
ijtc-1512	352	8	regulation	regulation	NOUN
ijtc-1512	352	9	and	and	CCONJ
ijtc-1512	352	10	the	the	DET
ijtc-1512	352	11	promotion	promotion	NOUN
ijtc-1512	352	12	of	of	ADP
ijtc-1512	352	13	financial	financial	ADJ
ijtc-1512	352	14	inclusion	inclusion	NOUN
ijtc-1512	352	15	in	in	ADP
ijtc-1512	352	16	zimbabwe	zimbabwe	PROPN
ijtc-1512	352	17	.	.	PUNCT
ijtc-1512	353	1	in	in	ADP
ijtc-1512	353	2	financial	financial	ADJ
ijtc-1512	353	3	inclusion	inclusion	NOUN
ijtc-1512	353	4	and	and	CCONJ
ijtc-1512	353	5	digital	digital	ADJ
ijtc-1512	353	6	transformation	transformation	NOUN
ijtc-1512	353	7	regulatory	regulatory	ADJ
ijtc-1512	353	8	practices	practice	NOUN
ijtc-1512	353	9	in	in	ADP
ijtc-1512	353	10	selected	select	VERB
ijtc-1512	353	11	sadc	sadc	ADJ
ijtc-1512	353	12	countries	country	NOUN
ijtc-1512	353	13	:	:	PUNCT
ijtc-1512	353	14	south	south	PROPN
ijtc-1512	353	15	africa	africa	PROPN
ijtc-1512	353	16	,	,	PUNCT
ijtc-1512	353	17	namibia	namibia	PROPN
ijtc-1512	353	18	,	,	PUNCT
ijtc-1512	353	19	botswana	botswana	PROPN
ijtc-1512	353	20	and	and	CCONJ
ijtc-1512	353	21	zimbabwe	zimbabwe	PROPN
ijtc-1512	353	22	(	(	PUNCT
ijtc-1512	353	23	pp	pp	ADJ
ijtc-1512	353	24	.	.	PUNCT
ijtc-1512	353	25	125	125	NUM
ijtc-1512	353	26	–	–	PUNCT
ijtc-1512	353	27	140	140	NUM
ijtc-1512	353	28	)	)	PUNCT
ijtc-1512	353	29	.	.	PUNCT
ijtc-1512	354	1	chitimira	chitimira	PROPN
ijtc-1512	354	2	,	,	PUNCT
ijtc-1512	354	3	h.	h.	PROPN
ijtc-1512	354	4	(	(	PUNCT
ijtc-1512	354	5	2021	2021	NUM
ijtc-1512	354	6	)	)	PUNCT
ijtc-1512	354	7	.	.	PUNCT
ijtc-1512	355	1	an	an	DET
ijtc-1512	355	2	exploration	exploration	NOUN
ijtc-1512	355	3	of	of	ADP
ijtc-1512	355	4	the	the	DET
ijtc-1512	355	5	current	current	ADJ
ijtc-1512	355	6	regulatory	regulatory	ADJ
ijtc-1512	355	7	aspects	aspect	NOUN
ijtc-1512	355	8	of	of	ADP
ijtc-1512	355	9	money	money	NOUN
ijtc-1512	355	10	laundering	laundering	NOUN
ijtc-1512	355	11	in	in	ADP
ijtc-1512	355	12	south	south	PROPN
ijtc-1512	355	13	africa	africa	PROPN
ijtc-1512	355	14	.	.	PUNCT
ijtc-1512	356	1	journal	journal	PROPN
ijtc-1512	356	2	of	of	ADP
ijtc-1512	356	3	money	money	NOUN
ijtc-1512	356	4	laundering	laundering	NOUN
ijtc-1512	356	5	control	control	NOUN
ijtc-1512	356	6	.	.	PUNCT
ijtc-1512	357	1	retrieved	retrieve	VERB
ijtc-1512	357	2	from	from	ADP
ijtc-1512	357	3	https://www.academia.edu	https://www.academia.edu	PROPN
ijtc-1512	357	4	chowdhury	chowdhury	PROPN
ijtc-1512	357	5	,	,	PUNCT
ijtc-1512	357	6	e.	e.	PROPN
ijtc-1512	357	7	k.	k.	PROPN
ijtc-1512	357	8	,	,	PUNCT
ijtc-1512	357	9	khan	khan	PROPN
ijtc-1512	357	10	,	,	PUNCT
ijtc-1512	357	11	i.	i.	PROPN
ijtc-1512	357	12	i.	i.	PROPN
ijtc-1512	357	13	,	,	PUNCT
ijtc-1512	357	14	&	&	CCONJ
ijtc-1512	357	15	dhar	dhar	PROPN
ijtc-1512	357	16	,	,	PUNCT
ijtc-1512	357	17	b.	b.	PROPN
ijtc-1512	357	18	k.	k.	PROPN
ijtc-1512	357	19	(	(	PUNCT
ijtc-1512	357	20	2022	2022	NUM
ijtc-1512	357	21	)	)	PUNCT
ijtc-1512	357	22	.	.	PUNCT
ijtc-1512	358	1	catastrophic	catastrophic	ADJ
ijtc-1512	358	2	impact	impact	NOUN
ijtc-1512	358	3	of	of	ADP
ijtc-1512	358	4	covid‐19	covid‐19	PROPN
ijtc-1512	358	5	on	on	ADP
ijtc-1512	358	6	the	the	DET
ijtc-1512	358	7	global	global	ADJ
ijtc-1512	358	8	stock	stock	NOUN
ijtc-1512	358	9	markets	market	NOUN
ijtc-1512	358	10	and	and	CCONJ
ijtc-1512	358	11	economic	economic	ADJ
ijtc-1512	358	12	activities	activity	NOUN
ijtc-1512	358	13	.	.	PUNCT
ijtc-1512	359	1	business	business	NOUN
ijtc-1512	359	2	and	and	CCONJ
ijtc-1512	359	3	society	society	NOUN
ijtc-1512	359	4	review	review	NOUN
ijtc-1512	359	5	,	,	PUNCT
ijtc-1512	359	6	127(2	127(2	NUM
ijtc-1512	359	7	)	)	PUNCT
ijtc-1512	359	8	,	,	PUNCT
ijtc-1512	359	9	437–460	437–460	NUM
ijtc-1512	359	10	.	.	PUNCT
ijtc-1512	360	1	retrieved	retrieve	VERB
ijtc-1512	360	2	from	from	ADP
ijtc-1512	360	3	https://www.nih.gov	https://www.nih.gov	ADJ
ijtc-1512	360	4	cipriani	cipriani	PROPN
ijtc-1512	360	5	,	,	PUNCT
ijtc-1512	360	6	m.	m.	NOUN
ijtc-1512	360	7	,	,	PUNCT
ijtc-1512	360	8	goldberg	goldberg	PROPN
ijtc-1512	360	9	,	,	PUNCT
ijtc-1512	360	10	l.	l.	PROPN
ijtc-1512	360	11	s.	s.	PROPN
ijtc-1512	360	12	,	,	PUNCT
ijtc-1512	360	13	&	&	CCONJ
ijtc-1512	360	14	la	la	PROPN
ijtc-1512	360	15	spada	spada	PROPN
ijtc-1512	360	16	,	,	PUNCT
ijtc-1512	360	17	g.	g.	PROPN
ijtc-1512	360	18	(	(	PUNCT
ijtc-1512	360	19	2023	2023	NUM
ijtc-1512	360	20	)	)	PUNCT
ijtc-1512	360	21	.	.	PUNCT
ijtc-1512	361	1	financial	financial	ADJ
ijtc-1512	361	2	sanctions	sanction	NOUN
ijtc-1512	361	3	,	,	PUNCT
ijtc-1512	361	4	swift	swift	ADJ
ijtc-1512	361	5	,	,	PUNCT
ijtc-1512	361	6	and	and	CCONJ
ijtc-1512	361	7	the	the	DET
ijtc-1512	361	8	architecture	architecture	NOUN
ijtc-1512	361	9	of	of	ADP
ijtc-1512	361	10	the	the	DET
ijtc-1512	361	11	international	international	ADJ
ijtc-1512	361	12	payment	payment	NOUN
ijtc-1512	361	13	system	system	NOUN
ijtc-1512	361	14	.	.	PUNCT
ijtc-1512	362	1	journal	journal	NOUN
ijtc-1512	362	2	of	of	ADP
ijtc-1512	362	3	economic	economic	ADJ
ijtc-1512	362	4	perspectives	perspective	NOUN
ijtc-1512	362	5	,	,	PUNCT
ijtc-1512	362	6	37(1	37(1	NUM
ijtc-1512	362	7	)	)	PUNCT
ijtc-1512	362	8	,	,	PUNCT
ijtc-1512	362	9	31–52	31–52	NUM
ijtc-1512	362	10	.	.	PUNCT
ijtc-1512	362	11	retrieved	retrieve	VERB
ijtc-1512	362	12	from	from	ADP
ijtc-1512	362	13	https://www.aeaweb.org	https://www.aeaweb.org	PROPN
ijtc-1512	362	14	coco	coco	PROPN
ijtc-1512	362	15	,	,	PUNCT
ijtc-1512	362	16	a.	a.	PROPN
ijtc-1512	362	17	,	,	PUNCT
ijtc-1512	362	18	&	&	CCONJ
ijtc-1512	362	19	viegi	viegi	PROPN
ijtc-1512	362	20	,	,	PUNCT
ijtc-1512	362	21	n.	n.	PROPN
ijtc-1512	362	22	(	(	PUNCT
ijtc-1512	362	23	2020	2020	NUM
ijtc-1512	362	24	)	)	PUNCT
ijtc-1512	362	25	.	.	PUNCT
ijtc-1512	363	1	the	the	DET
ijtc-1512	363	2	monetary	monetary	ADJ
ijtc-1512	363	3	policy	policy	NOUN
ijtc-1512	363	4	of	of	ADP
ijtc-1512	363	5	the	the	DET
ijtc-1512	363	6	south	south	ADJ
ijtc-1512	363	7	african	african	PROPN
ijtc-1512	363	8	reserve	reserve	PROPN
ijtc-1512	363	9	bank	bank	PROPN
ijtc-1512	363	10	:	:	PUNCT
ijtc-1512	363	11	stance	stance	NOUN
ijtc-1512	363	12	,	,	PUNCT
ijtc-1512	363	13	communication	communication	NOUN
ijtc-1512	363	14	and	and	CCONJ
ijtc-1512	363	15	credibility	credibility	NOUN
ijtc-1512	363	16	.	.	PUNCT
ijtc-1512	364	1	retrieved	retrieve	VERB
ijtc-1512	364	2	from	from	ADP
ijtc-1512	364	3	https://www.resbank.co.za	https://www.resbank.co.za	NUM
ijtc-1512	364	4	coffin	coffin	NOUN
ijtc-1512	364	5	,	,	PUNCT
ijtc-1512	364	6	p.	p.	PROPN
ijtc-1512	364	7	o.	o.	PROPN
ijtc-1512	364	8	,	,	PUNCT
ijtc-1512	364	9	rowe	rowe	PROPN
ijtc-1512	364	10	,	,	PUNCT
ijtc-1512	364	11	c.	c.	PROPN
ijtc-1512	364	12	,	,	PUNCT
ijtc-1512	364	13	oman	oman	NOUN
ijtc-1512	364	14	,	,	PUNCT
ijtc-1512	364	15	n.	n.	NOUN
ijtc-1512	364	16	,	,	PUNCT
ijtc-1512	364	17	sinchek	sinchek	PROPN
ijtc-1512	364	18	,	,	PUNCT
ijtc-1512	364	19	k.	k.	PROPN
ijtc-1512	364	20	,	,	PUNCT
ijtc-1512	364	21	santos	santos	PROPN
ijtc-1512	364	22	,	,	PUNCT
ijtc-1512	364	23	g.	g.	PROPN
ijtc-1512	364	24	m.	m.	PROPN
ijtc-1512	364	25	,	,	PUNCT
ijtc-1512	364	26	faul	faul	NOUN
ijtc-1512	364	27	,	,	PUNCT
ijtc-1512	364	28	m.	m.	NOUN
ijtc-1512	364	29	,	,	PUNCT
ijtc-1512	364	30	bagnulo	bagnulo	NOUN
ijtc-1512	364	31	,	,	PUNCT
ijtc-1512	364	32	r.	r.	PROPN
ijtc-1512	364	33	,	,	PUNCT
ijtc-1512	364	34	mohamed	mohamed	PROPN
ijtc-1512	364	35	,	,	PUNCT
ijtc-1512	364	36	d.	d.	PROPN
ijtc-1512	364	37	,	,	PUNCT
ijtc-1512	364	38	&	&	CCONJ
ijtc-1512	364	39	vittinghoff	vittinghoff	PROPN
ijtc-1512	364	40	,	,	PUNCT
ijtc-1512	364	41	e.	e.	PROPN
ijtc-1512	364	42	(	(	PUNCT
ijtc-1512	364	43	2020	2020	NUM
ijtc-1512	364	44	)	)	PUNCT
ijtc-1512	364	45	.	.	PUNCT
ijtc-1512	365	1	illicit	illicit	ADJ
ijtc-1512	365	2	opioid	opioid	ADJ
ijtc-1512	365	3	use	use	NOUN
ijtc-1512	365	4	following	follow	VERB
ijtc-1512	365	5	changes	change	NOUN
ijtc-1512	365	6	in	in	ADP
ijtc-1512	365	7	opioids	opioid	NOUN
ijtc-1512	365	8	prescribed	prescribe	VERB
ijtc-1512	365	9	for	for	ADP
ijtc-1512	365	10	chronic	chronic	ADJ
ijtc-1512	365	11	noncancer	noncancer	NOUN
ijtc-1512	365	12	pain	pain	NOUN
ijtc-1512	365	13	.	.	PUNCT
ijtc-1512	366	1	plos	plos	PROPN
ijtc-1512	366	2	one	one	NUM
ijtc-1512	366	3	,	,	PUNCT
ijtc-1512	366	4	15(5	15(5	NUM
ijtc-1512	366	5	)	)	PUNCT
ijtc-1512	366	6	,	,	PUNCT
ijtc-1512	366	7	e0232538	e0232538	PROPN
ijtc-1512	366	8	.	.	PUNCT
ijtc-1512	366	9	retrieved	retrieve	VERB
ijtc-1512	366	10	from	from	ADP
ijtc-1512	366	11	https://www.plos.org	https://www.plos.org	PROPN
ijtc-1512	366	12	coibion	coibion	NOUN
ijtc-1512	366	13	,	,	PUNCT
ijtc-1512	366	14	o.	o.	PROPN
ijtc-1512	366	15	,	,	PUNCT
ijtc-1512	366	16	gorodnichenko	gorodnichenko	PROPN
ijtc-1512	366	17	,	,	PUNCT
ijtc-1512	366	18	y.	y.	PROPN
ijtc-1512	366	19	,	,	PUNCT
ijtc-1512	366	20	&	&	CCONJ
ijtc-1512	366	21	weber	weber	PROPN
ijtc-1512	366	22	,	,	PUNCT
ijtc-1512	366	23	m.	m.	NOUN
ijtc-1512	366	24	(	(	PUNCT
ijtc-1512	366	25	2020	2020	NUM
ijtc-1512	366	26	)	)	PUNCT
ijtc-1512	366	27	.	.	PUNCT
ijtc-1512	367	1	how	how	SCONJ
ijtc-1512	367	2	did	do	AUX
ijtc-1512	367	3	us	we	PRON
ijtc-1512	367	4	consumers	consumer	NOUN
ijtc-1512	367	5	use	use	VERB
ijtc-1512	367	6	their	their	PRON
ijtc-1512	367	7	stimulus	stimulus	ADJ
ijtc-1512	367	8	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	367	9	https://www.yale.edu/	https://www.yale.edu/	ADJ
ijtc-1512	367	10	https://www.springer.com/	https://www.springer.com/	PROPN
ijtc-1512	367	11	https://www.up.ac.za/	https://www.up.ac.za/	PROPN
ijtc-1512	367	12	https://www.nwu.ac.za/	https://www.nwu.ac.za/	PROPN
ijtc-1512	367	13	https://www.emerald.com/	https://www.emerald.com/	PROPN
ijtc-1512	367	14	https://www.academia.edu/	https://www.academia.edu/	X
ijtc-1512	368	1	https://www.nih.gov/	https://www.nih.gov/	PROPN
ijtc-1512	368	2	https://www.aeaweb.org/	https://www.aeaweb.org/	X
ijtc-1512	368	3	https://www.resbank.co.za/	https://www.resbank.co.za/	PRON
ijtc-1512	368	4	https://www.plos.org/	https://www.plos.org/	VERB
ijtc-1512	368	5	examining	examine	VERB
ijtc-1512	368	6	the	the	DET
ijtc-1512	368	7	management	management	NOUN
ijtc-1512	368	8	impact	impact	NOUN
ijtc-1512	368	9	:	:	PUNCT
ijtc-1512	368	10	a	a	DET
ijtc-1512	368	11	literature	literature	NOUN
ijtc-1512	368	12	review	review	NOUN
ijtc-1512	368	13	on	on	ADP
ijtc-1512	368	14	the	the	DET
ijtc-1512	368	15	phasing	phasing	NOUN
ijtc-1512	368	16	out	out	ADP
ijtc-1512	368	17	of	of	ADP
ijtc-1512	368	18	cheques	cheque	NOUN
ijtc-1512	368	19	in	in	ADP
ijtc-1512	368	20	south	south	PROPN
ijtc-1512	368	21	africa	africa	PROPN
ijtc-1512	368	22	abrahams	abrahams	PROPN
ijtc-1512	368	23	and	and	CCONJ
ijtc-1512	368	24	pretorius	pretorius	NOUN
ijtc-1512	368	25	16	16	NUM
ijtc-1512	368	26	|	|	ADV
ijtc-1512	368	27	ilomata	ilomata	PROPN
ijtc-1512	368	28	international	international	ADJ
ijtc-1512	368	29	journal	journal	NOUN
ijtc-1512	368	30	of	of	ADP
ijtc-1512	368	31	tax	tax	PROPN
ijtc-1512	368	32	&	&	CCONJ
ijtc-1512	368	33	accounting	account	VERB
ijtc-1512	368	34	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-1512	368	35	payments	payment	NOUN
ijtc-1512	368	36	?	?	PUNCT
ijtc-1512	369	1	retrieved	retrieve	VERB
ijtc-1512	369	2	from	from	ADP
ijtc-1512	369	3	https://www.nber.org	https://www.nber.org	PROPN
ijtc-1512	369	4	cox	cox	PROPN
ijtc-1512	369	5	,	,	PUNCT
ijtc-1512	369	6	n.	n.	PROPN
ijtc-1512	369	7	,	,	PUNCT
ijtc-1512	369	8	ganong	ganong	PROPN
ijtc-1512	369	9	,	,	PUNCT
ijtc-1512	369	10	p.	p.	PROPN
ijtc-1512	369	11	,	,	PUNCT
ijtc-1512	369	12	noel	noel	PROPN
ijtc-1512	369	13	,	,	PUNCT
ijtc-1512	369	14	p.	p.	NOUN
ijtc-1512	369	15	,	,	PUNCT
ijtc-1512	369	16	vavra	vavra	NOUN
ijtc-1512	369	17	,	,	PUNCT
ijtc-1512	369	18	j.	j.	PROPN
ijtc-1512	369	19	,	,	PUNCT
ijtc-1512	369	20	wong	wong	PROPN
ijtc-1512	369	21	,	,	PUNCT
ijtc-1512	369	22	a.	a.	PROPN
ijtc-1512	369	23	,	,	PUNCT
ijtc-1512	369	24	farrell	farrell	PROPN
ijtc-1512	369	25	,	,	PUNCT
ijtc-1512	369	26	d.	d.	PROPN
ijtc-1512	369	27	,	,	PUNCT
ijtc-1512	369	28	greig	greig	PROPN
ijtc-1512	369	29	,	,	PUNCT
ijtc-1512	369	30	f.	f.	PROPN
ijtc-1512	369	31	,	,	PUNCT
ijtc-1512	369	32	&	&	CCONJ
ijtc-1512	369	33	deadman	deadman	PROPN
ijtc-1512	369	34	,	,	PUNCT
ijtc-1512	369	35	e.	e.	PROPN
ijtc-1512	369	36	(	(	PUNCT
ijtc-1512	369	37	2020	2020	NUM
ijtc-1512	369	38	)	)	PUNCT
ijtc-1512	369	39	.	.	PUNCT
ijtc-1512	370	1	initial	initial	ADJ
ijtc-1512	370	2	impacts	impact	NOUN
ijtc-1512	370	3	of	of	ADP
ijtc-1512	370	4	the	the	DET
ijtc-1512	370	5	pandemic	pandemic	NOUN
ijtc-1512	370	6	on	on	ADP
ijtc-1512	370	7	consumer	consumer	NOUN
ijtc-1512	370	8	behavior	behavior	NOUN
ijtc-1512	370	9	:	:	PUNCT
ijtc-1512	370	10	evidence	evidence	NOUN
ijtc-1512	370	11	from	from	ADP
ijtc-1512	370	12	linked	link	VERB
ijtc-1512	370	13	income	income	NOUN
ijtc-1512	370	14	,	,	PUNCT
ijtc-1512	370	15	spending	spending	NOUN
ijtc-1512	370	16	,	,	PUNCT
ijtc-1512	370	17	and	and	CCONJ
ijtc-1512	370	18	savings	saving	NOUN
ijtc-1512	370	19	data	datum	NOUN
ijtc-1512	370	20	.	.	PUNCT
ijtc-1512	371	1	brookings	brookings	PROPN
ijtc-1512	371	2	papers	paper	NOUN
ijtc-1512	371	3	on	on	ADP
ijtc-1512	371	4	economic	economic	ADJ
ijtc-1512	371	5	activity	activity	NOUN
ijtc-1512	371	6	,	,	PUNCT
ijtc-1512	371	7	2020(2	2020(2	NUM
ijtc-1512	371	8	)	)	PUNCT
ijtc-1512	371	9	,	,	PUNCT
ijtc-1512	371	10	35–82	35–82	NUM
ijtc-1512	371	11	.	.	PUNCT
ijtc-1512	371	12	retrieved	retrieve	VERB
ijtc-1512	371	13	from	from	ADP
ijtc-1512	371	14	https://www.uchicago.edu	https://www.uchicago.edu	X
ijtc-1512	371	15	cronin	cronin	PROPN
ijtc-1512	371	16	,	,	PUNCT
ijtc-1512	371	17	j.	j.	PROPN
ijtc-1512	371	18	(	(	PUNCT
ijtc-1512	371	19	2022	2022	NUM
ijtc-1512	371	20	)	)	PUNCT
ijtc-1512	371	21	.	.	PUNCT
ijtc-1512	372	1	review	review	NOUN
ijtc-1512	372	2	:	:	PUNCT
ijtc-1512	372	3	tom	tom	PROPN
ijtc-1512	372	4	lodge	lodge	PROPN
ijtc-1512	372	5	,	,	PUNCT
ijtc-1512	372	6	red	red	ADJ
ijtc-1512	372	7	road	road	NOUN
ijtc-1512	372	8	to	to	ADP
ijtc-1512	372	9	freedom	freedom	NOUN
ijtc-1512	372	10	,	,	PUNCT
ijtc-1512	372	11	a	a	DET
ijtc-1512	372	12	history	history	NOUN
ijtc-1512	372	13	of	of	ADP
ijtc-1512	372	14	the	the	DET
ijtc-1512	372	15	south	south	ADJ
ijtc-1512	372	16	african	african	ADJ
ijtc-1512	372	17	communist	communist	PROPN
ijtc-1512	372	18	party	party	PROPN
ijtc-1512	372	19	1921–2021	1921–2021	NUM
ijtc-1512	372	20	,	,	PUNCT
ijtc-1512	372	21	jacana	jacana	PROPN
ijtc-1512	372	22	,	,	PUNCT
ijtc-1512	372	23	johannesburg	johannesburg	PROPN
ijtc-1512	372	24	.	.	PUNCT
ijtc-1512	373	1	journal	journal	PROPN
ijtc-1512	373	2	of	of	ADP
ijtc-1512	373	3	asian	asian	ADJ
ijtc-1512	373	4	and	and	CCONJ
ijtc-1512	373	5	african	african	ADJ
ijtc-1512	373	6	studies	study	NOUN
ijtc-1512	373	7	.	.	PUNCT
ijtc-1512	374	1	al	al	PROPN
ijtc-1512	374	2	-	-	PUNCT
ijtc-1512	374	3	tayyar	tayyar	PROPN
ijtc-1512	374	4	,	,	PUNCT
ijtc-1512	374	5	r.	r.	PROPN
ijtc-1512	374	6	s.	s.	PROPN
ijtc-1512	374	7	,	,	PUNCT
ijtc-1512	374	8	abdullah	abdullah	PROPN
ijtc-1512	374	9	,	,	PUNCT
ijtc-1512	374	10	a.	a.	PROPN
ijtc-1512	374	11	r.	r.	PROPN
ijtc-1512	374	12	b.	b.	PROPN
ijtc-1512	374	13	,	,	PUNCT
ijtc-1512	374	14	abd	abd	PROPN
ijtc-1512	374	15	rahman	rahman	PROPN
ijtc-1512	374	16	,	,	PUNCT
ijtc-1512	374	17	a.	a.	PROPN
ijtc-1512	374	18	,	,	PUNCT
ijtc-1512	374	19	&	&	CCONJ
ijtc-1512	374	20	ali	ali	PROPN
ijtc-1512	374	21	,	,	PUNCT
ijtc-1512	374	22	m.	m.	PROPN
ijtc-1512	374	23	h.	h.	PROPN
ijtc-1512	374	24	(	(	PUNCT
ijtc-1512	374	25	2021	2021	NUM
ijtc-1512	374	26	)	)	PUNCT
ijtc-1512	374	27	.	.	PUNCT
ijtc-1512	375	1	challenges	challenge	NOUN
ijtc-1512	375	2	and	and	CCONJ
ijtc-1512	375	3	obstacles	obstacle	NOUN
ijtc-1512	375	4	facing	face	VERB
ijtc-1512	375	5	smes	sme	NOUN
ijtc-1512	375	6	in	in	ADP
ijtc-1512	375	7	the	the	DET
ijtc-1512	375	8	adoption	adoption	NOUN
ijtc-1512	375	9	of	of	ADP
ijtc-1512	375	10	e	e	NOUN
ijtc-1512	375	11	-	-	NOUN
ijtc-1512	375	12	commerce	commerce	NOUN
ijtc-1512	375	13	in	in	ADP
ijtc-1512	375	14	developing	develop	VERB
ijtc-1512	375	15	countries	country	NOUN
ijtc-1512	375	16	:	:	PUNCT
ijtc-1512	375	17	a	a	DET
ijtc-1512	375	18	case	case	NOUN
ijtc-1512	375	19	of	of	ADP
ijtc-1512	375	20	saudi	saudi	PROPN
ijtc-1512	375	21	arabia	arabia	PROPN
ijtc-1512	375	22	.	.	PUNCT
ijtc-1512	376	1	studies	study	NOUN
ijtc-1512	376	2	of	of	ADP
ijtc-1512	376	3	applied	apply	VERB
ijtc-1512	376	4	economics	economic	NOUN
ijtc-1512	376	5	,	,	PUNCT
ijtc-1512	376	6	39(4	39(4	NOUN
ijtc-1512	376	7	)	)	PUNCT
ijtc-1512	376	8	.	.	PUNCT
ijtc-1512	377	1	retrieved	retrieve	VERB
ijtc-1512	377	2	from	from	ADP
ijtc-1512	377	3	https://www.ual.es	https://www.ual.es	PROPN
ijtc-1512	377	4	da	da	PROPN
ijtc-1512	377	5	veiga	veiga	NOUN
ijtc-1512	377	6	,	,	PUNCT
ijtc-1512	377	7	a.	a.	NOUN
ijtc-1512	377	8	,	,	PUNCT
ijtc-1512	377	9	vorster	vorster	PROPN
ijtc-1512	377	10	,	,	PUNCT
ijtc-1512	377	11	r.	r.	PROPN
ijtc-1512	377	12	,	,	PUNCT
ijtc-1512	377	13	li	li	PROPN
ijtc-1512	377	14	,	,	PUNCT
ijtc-1512	377	15	f.	f.	PROPN
ijtc-1512	377	16	,	,	PUNCT
ijtc-1512	377	17	clarke	clarke	PROPN
ijtc-1512	377	18	,	,	PUNCT
ijtc-1512	377	19	n.	n.	NOUN
ijtc-1512	377	20	,	,	PUNCT
ijtc-1512	377	21	&	&	CCONJ
ijtc-1512	377	22	furnell	furnell	PROPN
ijtc-1512	377	23	,	,	PUNCT
ijtc-1512	377	24	s.	s.	PROPN
ijtc-1512	377	25	m.	m.	PROPN
ijtc-1512	377	26	(	(	PUNCT
ijtc-1512	377	27	2020	2020	NUM
ijtc-1512	377	28	)	)	PUNCT
ijtc-1512	377	29	.	.	PUNCT
ijtc-1512	378	1	comparing	compare	VERB
ijtc-1512	378	2	the	the	DET
ijtc-1512	378	3	protection	protection	NOUN
ijtc-1512	378	4	and	and	CCONJ
ijtc-1512	378	5	use	use	NOUN
ijtc-1512	378	6	of	of	ADP
ijtc-1512	378	7	online	online	ADJ
ijtc-1512	378	8	personal	personal	ADJ
ijtc-1512	378	9	information	information	NOUN
ijtc-1512	378	10	in	in	ADP
ijtc-1512	378	11	south	south	PROPN
ijtc-1512	378	12	africa	africa	PROPN
ijtc-1512	378	13	and	and	CCONJ
ijtc-1512	378	14	the	the	DET
ijtc-1512	378	15	united	united	ADJ
ijtc-1512	378	16	kingdom	kingdom	NOUN
ijtc-1512	378	17	in	in	ADP
ijtc-1512	378	18	line	line	NOUN
ijtc-1512	378	19	with	with	ADP
ijtc-1512	378	20	data	datum	NOUN
ijtc-1512	378	21	protection	protection	NOUN
ijtc-1512	378	22	requirements	requirement	NOUN
ijtc-1512	378	23	.	.	PUNCT
ijtc-1512	379	1	information	information	NOUN
ijtc-1512	379	2	&	&	CCONJ
ijtc-1512	379	3	computer	computer	PROPN
ijtc-1512	379	4	security	security	NOUN
ijtc-1512	379	5	,	,	PUNCT
ijtc-1512	379	6	28(3	28(3	NUM
ijtc-1512	379	7	)	)	PUNCT
ijtc-1512	379	8	,	,	PUNCT
ijtc-1512	379	9	399–422	399–422	NUM
ijtc-1512	379	10	.	.	PUNCT
ijtc-1512	379	11	retrieved	retrieve	VERB
ijtc-1512	379	12	from	from	ADP
ijtc-1512	379	13	https://www.port.ac.uk	https://www.port.ac.uk	PROPN
ijtc-1512	379	14	de	de	X
ijtc-1512	379	15	girancourt	girancourt	PROPN
ijtc-1512	379	16	,	,	PUNCT
ijtc-1512	379	17	f.	f.	PROPN
ijtc-1512	379	18	j.	j.	PROPN
ijtc-1512	379	19	,	,	PUNCT
ijtc-1512	379	20	kuyoro	kuyoro	PROPN
ijtc-1512	379	21	,	,	PUNCT
ijtc-1512	379	22	m.	m.	NOUN
ijtc-1512	379	23	,	,	PUNCT
ijtc-1512	379	24	ofosu	ofosu	NOUN
ijtc-1512	379	25	-	-	PUNCT
ijtc-1512	379	26	amaah	amaah	NOUN
ijtc-1512	379	27	,	,	PUNCT
ijtc-1512	379	28	n.	n.	PROPN
ijtc-1512	379	29	a.	a.	PROPN
ijtc-1512	379	30	,	,	PUNCT
ijtc-1512	379	31	seshie	seshie	PROPN
ijtc-1512	379	32	,	,	PUNCT
ijtc-1512	379	33	e.	e.	PROPN
ijtc-1512	379	34	,	,	PUNCT
ijtc-1512	379	35	&	&	CCONJ
ijtc-1512	379	36	twum	twum	NOUN
ijtc-1512	379	37	,	,	PUNCT
ijtc-1512	379	38	f.	f.	PROPN
ijtc-1512	379	39	(	(	PUNCT
ijtc-1512	379	40	2020	2020	NUM
ijtc-1512	379	41	)	)	PUNCT
ijtc-1512	379	42	.	.	PUNCT
ijtc-1512	380	1	how	how	SCONJ
ijtc-1512	380	2	the	the	DET
ijtc-1512	380	3	covid-19	covid-19	PROPN
ijtc-1512	380	4	crisis	crisis	NOUN
ijtc-1512	380	5	may	may	AUX
ijtc-1512	380	6	affect	affect	VERB
ijtc-1512	380	7	electronic	electronic	ADJ
ijtc-1512	380	8	payments	payment	NOUN
ijtc-1512	380	9	in	in	ADP
ijtc-1512	380	10	africa	africa	PROPN
ijtc-1512	380	11	.	.	PUNCT
ijtc-1512	381	1	mckinsey	mckinsey	PROPN
ijtc-1512	381	2	&	&	CCONJ
ijtc-1512	381	3	company	company	PROPN
ijtc-1512	381	4	.	.	PUNCT
ijtc-1512	382	1	retrieved	retrieve	VERB
ijtc-1512	382	2	from	from	ADP
ijtc-1512	382	3	https://www.mckinsey.com	https://www.mckinsey.com	X
ijtc-1512	382	4	deep	deep	ADJ
ijtc-1512	382	5	,	,	PUNCT
ijtc-1512	382	6	n.	n.	NOUN
ijtc-1512	382	7	(	(	PUNCT
ijtc-1512	382	8	2022	2022	NUM
ijtc-1512	382	9	)	)	PUNCT
ijtc-1512	382	10	.	.	PUNCT
ijtc-1512	383	1	socio	socio	NOUN
ijtc-1512	383	2	-	-	PUNCT
ijtc-1512	383	3	economic	economic	ADJ
ijtc-1512	383	4	impact	impact	NOUN
ijtc-1512	383	5	and	and	CCONJ
ijtc-1512	383	6	analytics	analytic	NOUN
ijtc-1512	383	7	of	of	ADP
ijtc-1512	383	8	cashless	cashless	NOUN
ijtc-1512	383	9	economy	economy	NOUN
ijtc-1512	383	10	.	.	PUNCT
ijtc-1512	384	1	academicia	academicia	NOUN
ijtc-1512	384	2	:	:	PUNCT
ijtc-1512	384	3	an	an	DET
ijtc-1512	384	4	international	international	ADJ
ijtc-1512	384	5	multidisciplinary	multidisciplinary	ADJ
ijtc-1512	384	6	research	research	NOUN
ijtc-1512	384	7	journal	journal	NOUN
ijtc-1512	384	8	,	,	PUNCT
ijtc-1512	384	9	12(7	12(7	NUM
ijtc-1512	384	10	)	)	PUNCT
ijtc-1512	384	11	,	,	PUNCT
ijtc-1512	384	12	82–88	82–88	NUM
ijtc-1512	384	13	.	.	PUNCT
ijtc-1512	385	1	retrieved	retrieve	VERB
ijtc-1512	385	2	from	from	ADP
ijtc-1512	385	3	https://www.saarj.com	https://www.saarj.com	X
ijtc-1512	385	4	demirgüç	demirgüç	PROPN
ijtc-1512	385	5	-	-	PUNCT
ijtc-1512	385	6	kunt	kunt	PROPN
ijtc-1512	385	7	,	,	PUNCT
ijtc-1512	385	8	a.	a.	PROPN
ijtc-1512	385	9	,	,	PUNCT
ijtc-1512	385	10	klapper	klapper	PROPN
ijtc-1512	385	11	,	,	PUNCT
ijtc-1512	385	12	l.	l.	PROPN
ijtc-1512	385	13	,	,	PUNCT
ijtc-1512	385	14	singer	singer	NOUN
ijtc-1512	385	15	,	,	PUNCT
ijtc-1512	385	16	d.	d.	PROPN
ijtc-1512	385	17	,	,	PUNCT
ijtc-1512	385	18	&	&	CCONJ
ijtc-1512	385	19	ansar	ansar	PROPN
ijtc-1512	385	20	,	,	PUNCT
ijtc-1512	385	21	s.	s.	PROPN
ijtc-1512	385	22	(	(	PUNCT
ijtc-1512	385	23	2021	2021	NUM
ijtc-1512	385	24	)	)	PUNCT
ijtc-1512	385	25	.	.	PUNCT
ijtc-1512	386	1	financial	financial	ADJ
ijtc-1512	386	2	inclusion	inclusion	NOUN
ijtc-1512	386	3	,	,	PUNCT
ijtc-1512	386	4	digital	digital	ADJ
ijtc-1512	386	5	payments	payment	NOUN
ijtc-1512	386	6	,	,	PUNCT
ijtc-1512	386	7	and	and	CCONJ
ijtc-1512	386	8	resilience	resilience	NOUN
ijtc-1512	386	9	in	in	ADP
ijtc-1512	386	10	the	the	DET
ijtc-1512	386	11	age	age	NOUN
ijtc-1512	386	12	of	of	ADP
ijtc-1512	386	13	covid-19	covid-19	PROPN
ijtc-1512	386	14	.	.	PUNCT
ijtc-1512	386	15	world	world	PROPN
ijtc-1512	386	16	bank	bank	PROPN
ijtc-1512	386	17	report	report	NOUN
ijtc-1512	386	18	.	.	PUNCT
ijtc-1512	387	1	retrieved	retrieve	VERB
ijtc-1512	387	2	from	from	ADP
ijtc-1512	387	3	https://www.worldbank.org	https://www.worldbank.org	ADJ
ijtc-1512	387	4	demirgüç	demirgüç	PROPN
ijtc-1512	387	5	-	-	PUNCT
ijtc-1512	387	6	kunt	kunt	PROPN
ijtc-1512	387	7	,	,	PUNCT
ijtc-1512	387	8	a.	a.	PROPN
ijtc-1512	387	9	,	,	PUNCT
ijtc-1512	387	10	klapper	klapper	PROPN
ijtc-1512	387	11	,	,	PUNCT
ijtc-1512	387	12	l.	l.	PROPN
ijtc-1512	387	13	,	,	PUNCT
ijtc-1512	387	14	singer	singer	NOUN
ijtc-1512	387	15	,	,	PUNCT
ijtc-1512	387	16	d.	d.	PROPN
ijtc-1512	387	17	,	,	PUNCT
ijtc-1512	387	18	&	&	CCONJ
ijtc-1512	387	19	ansar	ansar	PROPN
ijtc-1512	387	20	,	,	PUNCT
ijtc-1512	387	21	s.	s.	PROPN
ijtc-1512	387	22	(	(	PUNCT
ijtc-1512	387	23	2022	2022	NUM
ijtc-1512	387	24	)	)	PUNCT
ijtc-1512	387	25	.	.	PUNCT
ijtc-1512	388	1	the	the	DET
ijtc-1512	388	2	global	global	ADJ
ijtc-1512	388	3	findex	findex	PROPN
ijtc-1512	388	4	database	database	NOUN
ijtc-1512	388	5	2021	2021	NUM
ijtc-1512	388	6	:	:	PUNCT
ijtc-1512	388	7	financial	financial	ADJ
ijtc-1512	388	8	inclusion	inclusion	NOUN
ijtc-1512	388	9	,	,	PUNCT
ijtc-1512	388	10	digital	digital	ADJ
ijtc-1512	388	11	payments	payment	NOUN
ijtc-1512	388	12	,	,	PUNCT
ijtc-1512	388	13	and	and	CCONJ
ijtc-1512	388	14	resilience	resilience	NOUN
ijtc-1512	388	15	in	in	ADP
ijtc-1512	388	16	the	the	DET
ijtc-1512	388	17	age	age	NOUN
ijtc-1512	388	18	of	of	ADP
ijtc-1512	388	19	covid-19	covid-19	PROPN
ijtc-1512	388	20	.	.	PUNCT
ijtc-1512	388	21	retrieved	retrieve	VERB
ijtc-1512	388	22	from	from	ADP
ijtc-1512	388	23	https://www.google.com	https://www.google.com	X
ijtc-1512	388	24	domingo	domingo	PROPN
ijtc-1512	388	25	,	,	PUNCT
ijtc-1512	388	26	e.	e.	PROPN
ijtc-1512	388	27	,	,	PUNCT
ijtc-1512	388	28	arnold	arnold	PROPN
ijtc-1512	388	29	,	,	PUNCT
ijtc-1512	388	30	s.	s.	PROPN
ijtc-1512	388	31	,	,	PUNCT
ijtc-1512	388	32	&	&	CCONJ
ijtc-1512	388	33	apiko	apiko	PROPN
ijtc-1512	388	34	,	,	PUNCT
ijtc-1512	388	35	p.	p.	NOUN
ijtc-1512	388	36	(	(	PUNCT
ijtc-1512	388	37	2023	2023	NUM
ijtc-1512	388	38	)	)	PUNCT
ijtc-1512	388	39	.	.	PUNCT
ijtc-1512	389	1	interoperability	interoperability	NOUN
ijtc-1512	389	2	of	of	ADP
ijtc-1512	389	3	digital	digital	ADJ
ijtc-1512	389	4	payment	payment	NOUN
ijtc-1512	389	5	systems	system	NOUN
ijtc-1512	389	6	:	:	PUNCT
ijtc-1512	389	7	lessons	lesson	NOUN
ijtc-1512	389	8	from	from	ADP
ijtc-1512	389	9	the	the	DET
ijtc-1512	389	10	east	east	ADJ
ijtc-1512	389	11	african	african	ADJ
ijtc-1512	389	12	community	community	NOUN
ijtc-1512	389	13	.	.	PUNCT
ijtc-1512	390	1	retrieved	retrieve	VERB
ijtc-1512	390	2	from	from	ADP
ijtc-1512	390	3	https://www.ecdpm.org	https://www.ecdpm.org	X
ijtc-1512	390	4	du	du	NOUN
ijtc-1512	390	5	plessis	plessis	NOUN
ijtc-1512	390	6	,	,	PUNCT
ijtc-1512	390	7	m.	m.	NOUN
ijtc-1512	390	8	,	,	PUNCT
ijtc-1512	390	9	jansen	jansen	PROPN
ijtc-1512	390	10	van	van	PROPN
ijtc-1512	390	11	vuuren	vuuren	PROPN
ijtc-1512	390	12	,	,	PUNCT
ijtc-1512	390	13	c.	c.	PROPN
ijtc-1512	390	14	d.	d.	PROPN
ijtc-1512	390	15	,	,	PUNCT
ijtc-1512	390	16	simons	simons	PROPN
ijtc-1512	390	17	,	,	PUNCT
ijtc-1512	390	18	a.	a.	NOUN
ijtc-1512	390	19	,	,	PUNCT
ijtc-1512	390	20	frantz	frantz	PROPN
ijtc-1512	390	21	,	,	PUNCT
ijtc-1512	390	22	j.	j.	PROPN
ijtc-1512	390	23	,	,	PUNCT
ijtc-1512	390	24	roman	roman	NOUN
ijtc-1512	390	25	,	,	PUNCT
ijtc-1512	390	26	n.	n.	NOUN
ijtc-1512	390	27	,	,	PUNCT
ijtc-1512	390	28	&	&	CCONJ
ijtc-1512	390	29	andipatin	andipatin	PROPN
ijtc-1512	390	30	,	,	PUNCT
ijtc-1512	390	31	m.	m.	NOUN
ijtc-1512	390	32	(	(	PUNCT
ijtc-1512	390	33	2022	2022	NUM
ijtc-1512	390	34	)	)	PUNCT
ijtc-1512	390	35	.	.	PUNCT
ijtc-1512	391	1	south	south	ADJ
ijtc-1512	391	2	african	african	ADJ
ijtc-1512	391	3	higher	high	ADJ
ijtc-1512	391	4	education	education	NOUN
ijtc-1512	391	5	institutions	institution	NOUN
ijtc-1512	391	6	at	at	ADP
ijtc-1512	391	7	the	the	DET
ijtc-1512	391	8	beginning	beginning	NOUN
ijtc-1512	391	9	of	of	ADP
ijtc-1512	391	10	the	the	DET
ijtc-1512	391	11	covid-19	covid-19	PROPN
ijtc-1512	391	12	pandemic	pandemic	NOUN
ijtc-1512	391	13	:	:	PUNCT
ijtc-1512	391	14	sensemaking	sensemaking	NOUN
ijtc-1512	391	15	and	and	CCONJ
ijtc-1512	391	16	lessons	lesson	NOUN
ijtc-1512	391	17	learnt	learn	VERB
ijtc-1512	391	18	.	.	PUNCT
ijtc-1512	392	1	in	in	ADP
ijtc-1512	392	2	frontiers	frontier	NOUN
ijtc-1512	392	3	in	in	ADP
ijtc-1512	392	4	education	education	NOUN
ijtc-1512	392	5	(	(	PUNCT
ijtc-1512	392	6	vol	vol	NOUN
ijtc-1512	392	7	.	.	PROPN
ijtc-1512	392	8	6	6	NUM
ijtc-1512	392	9	)	)	PUNCT
ijtc-1512	392	10	.	.	PUNCT
ijtc-1512	393	1	frontiers	frontier	NOUN
ijtc-1512	393	2	media	media	PROPN
ijtc-1512	393	3	sa	sa	PROPN
ijtc-1512	393	4	.	.	PUNCT
ijtc-1512	393	5	retrieved	retrieve	VERB
ijtc-1512	393	6	from	from	ADP
ijtc-1512	393	7	https://www.frontiersin.org	https://www.frontiersin.org	PROPN
ijtc-1512	393	8	effiom	effiom	PROPN
ijtc-1512	393	9	,	,	PUNCT
ijtc-1512	393	10	l.	l.	PROPN
ijtc-1512	393	11	,	,	PUNCT
ijtc-1512	393	12	&	&	CCONJ
ijtc-1512	393	13	edet	edet	PROPN
ijtc-1512	393	14	,	,	PUNCT
ijtc-1512	393	15	s.	s.	PROPN
ijtc-1512	393	16	e.	e.	PROPN
ijtc-1512	393	17	(	(	PUNCT
ijtc-1512	393	18	2022	2022	NUM
ijtc-1512	393	19	)	)	PUNCT
ijtc-1512	393	20	.	.	PUNCT
ijtc-1512	394	1	financial	financial	ADJ
ijtc-1512	394	2	innovation	innovation	NOUN
ijtc-1512	394	3	and	and	CCONJ
ijtc-1512	394	4	the	the	DET
ijtc-1512	394	5	performance	performance	NOUN
ijtc-1512	394	6	of	of	ADP
ijtc-1512	394	7	small	small	ADJ
ijtc-1512	394	8	and	and	CCONJ
ijtc-1512	394	9	mediumscale	mediumscale	NOUN
ijtc-1512	394	10	enterprises	enterprise	NOUN
ijtc-1512	394	11	in	in	ADP
ijtc-1512	394	12	nigeria	nigeria	PROPN
ijtc-1512	394	13	.	.	PUNCT
ijtc-1512	395	1	journal	journal	PROPN
ijtc-1512	395	2	of	of	ADP
ijtc-1512	395	3	small	small	ADJ
ijtc-1512	395	4	business	business	NOUN
ijtc-1512	395	5	&	&	CCONJ
ijtc-1512	395	6	entrepreneurship	entrepreneurship	NOUN
ijtc-1512	395	7	.	.	PUNCT
ijtc-1512	396	1	eksteen	eksteen	PROPN
ijtc-1512	396	2	,	,	PUNCT
ijtc-1512	396	3	c.	c.	PROPN
ijtc-1512	396	4	,	,	PUNCT
ijtc-1512	396	5	&	&	CCONJ
ijtc-1512	396	6	humbani	humbani	PROPN
ijtc-1512	396	7	,	,	PUNCT
ijtc-1512	396	8	m.	m.	NOUN
ijtc-1512	396	9	(	(	PUNCT
ijtc-1512	396	10	2021	2021	NUM
ijtc-1512	396	11	)	)	PUNCT
ijtc-1512	396	12	.	.	PUNCT
ijtc-1512	397	1	understanding	understand	VERB
ijtc-1512	397	2	proximity	proximity	NOUN
ijtc-1512	397	3	mobile	mobile	ADJ
ijtc-1512	397	4	payments	payment	NOUN
ijtc-1512	397	5	adoption	adoption	NOUN
ijtc-1512	397	6	in	in	ADP
ijtc-1512	397	7	south	south	ADJ
ijtc-1512	397	8	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	397	9	https://www.nber.org/	https://www.nber.org/	X
ijtc-1512	397	10	https://www.uchicago.edu/	https://www.uchicago.edu/	X
ijtc-1512	397	11	https://www.ual.es/	https://www.ual.es/	PROPN
ijtc-1512	397	12	https://www.port.ac.uk/	https://www.port.ac.uk/	PROPN
ijtc-1512	397	13	https://www.mckinsey.com/	https://www.mckinsey.com/	NOUN
ijtc-1512	397	14	https://www.saarj.com/	https://www.saarj.com/	PROPN
ijtc-1512	397	15	https://www.worldbank.org/	https://www.worldbank.org/	PROPN
ijtc-1512	397	16	https://www.google.com/	https://www.google.com/	NOUN
ijtc-1512	397	17	https://www.ecdpm.org/	https://www.ecdpm.org/	X
ijtc-1512	397	18	https://www.frontiersin.org/	https://www.frontiersin.org/	NOUN
ijtc-1512	397	19	examining	examine	VERB
ijtc-1512	397	20	the	the	DET
ijtc-1512	397	21	management	management	NOUN
ijtc-1512	397	22	impact	impact	NOUN
ijtc-1512	397	23	:	:	PUNCT
ijtc-1512	397	24	a	a	DET
ijtc-1512	397	25	literature	literature	NOUN
ijtc-1512	397	26	review	review	NOUN
ijtc-1512	397	27	on	on	ADP
ijtc-1512	397	28	the	the	DET
ijtc-1512	397	29	phasing	phasing	NOUN
ijtc-1512	397	30	out	out	ADP
ijtc-1512	397	31	of	of	ADP
ijtc-1512	397	32	cheques	cheque	NOUN
ijtc-1512	397	33	in	in	ADP
ijtc-1512	397	34	south	south	PROPN
ijtc-1512	397	35	africa	africa	PROPN
ijtc-1512	397	36	abrahams	abrahams	PROPN
ijtc-1512	397	37	and	and	CCONJ
ijtc-1512	397	38	pretorius	pretorius	NOUN
ijtc-1512	397	39	17	17	NUM
ijtc-1512	397	40	|	|	ADV
ijtc-1512	397	41	ilomata	ilomata	PROPN
ijtc-1512	397	42	international	international	ADJ
ijtc-1512	397	43	journal	journal	NOUN
ijtc-1512	397	44	of	of	ADP
ijtc-1512	397	45	tax	tax	PROPN
ijtc-1512	397	46	&	&	CCONJ
ijtc-1512	397	47	accounting	accounting	PROPN
ijtc-1512	397	48	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	397	49	africa	africa	PROPN
ijtc-1512	397	50	:	:	PUNCT
ijtc-1512	397	51	a	a	DET
ijtc-1512	397	52	perceived	perceive	VERB
ijtc-1512	397	53	risk	risk	NOUN
ijtc-1512	397	54	perspective	perspective	NOUN
ijtc-1512	397	55	.	.	PUNCT
ijtc-1512	398	1	journal	journal	NOUN
ijtc-1512	398	2	of	of	ADP
ijtc-1512	398	3	marketing	marketing	NOUN
ijtc-1512	398	4	and	and	CCONJ
ijtc-1512	398	5	consumer	consumer	NOUN
ijtc-1512	398	6	behaviour	behaviour	NOUN
ijtc-1512	398	7	in	in	ADP
ijtc-1512	398	8	emerging	emerge	VERB
ijtc-1512	398	9	markets	market	NOUN
ijtc-1512	398	10	,	,	PUNCT
ijtc-1512	398	11	2(13	2(13	NUM
ijtc-1512	398	12	)	)	PUNCT
ijtc-1512	398	13	,	,	PUNCT
ijtc-1512	398	14	4–21	4–21	PROPN
ijtc-1512	398	15	.	.	PUNCT
ijtc-1512	399	1	retrieved	retrieve	VERB
ijtc-1512	399	2	from	from	ADP
ijtc-1512	399	3	https://www.icm.edu.pl	https://www.icm.edu.pl	PROPN
ijtc-1512	399	4	faccia	faccia	PROPN
ijtc-1512	399	5	,	,	PUNCT
ijtc-1512	399	6	a.	a.	NOUN
ijtc-1512	399	7	(	(	PUNCT
ijtc-1512	399	8	2023	2023	NUM
ijtc-1512	399	9	)	)	PUNCT
ijtc-1512	399	10	.	.	PUNCT
ijtc-1512	400	1	national	national	ADJ
ijtc-1512	400	2	payment	payment	NOUN
ijtc-1512	400	3	switches	switch	NOUN
ijtc-1512	400	4	and	and	CCONJ
ijtc-1512	400	5	the	the	DET
ijtc-1512	400	6	power	power	NOUN
ijtc-1512	400	7	of	of	ADP
ijtc-1512	400	8	cognitive	cognitive	ADJ
ijtc-1512	400	9	computing	computing	NOUN
ijtc-1512	400	10	against	against	ADP
ijtc-1512	400	11	fintech	fintech	NOUN
ijtc-1512	400	12	fraud	fraud	NOUN
ijtc-1512	400	13	.	.	PUNCT
ijtc-1512	401	1	big	big	ADJ
ijtc-1512	401	2	data	datum	NOUN
ijtc-1512	401	3	and	and	CCONJ
ijtc-1512	401	4	cognitive	cognitive	ADJ
ijtc-1512	401	5	computing	computing	NOUN
ijtc-1512	401	6	.	.	PUNCT
ijtc-1512	402	1	retrieved	retrieve	VERB
ijtc-1512	402	2	from	from	ADP
ijtc-1512	402	3	https://www.mdpi.com	https://www.mdpi.com	X
ijtc-1512	402	4	fantacci	fantacci	PROPN
ijtc-1512	402	5	,	,	PUNCT
ijtc-1512	402	6	l.	l.	PROPN
ijtc-1512	402	7	,	,	PUNCT
ijtc-1512	402	8	&	&	CCONJ
ijtc-1512	402	9	gobbi	gobbi	PROPN
ijtc-1512	402	10	,	,	PUNCT
ijtc-1512	402	11	l.	l.	PROPN
ijtc-1512	402	12	(	(	PUNCT
ijtc-1512	402	13	n.d	n.d	PROPN
ijtc-1512	402	14	.	.	PROPN
ijtc-1512	402	15	)	)	PUNCT
ijtc-1512	402	16	.	.	PUNCT
ijtc-1512	403	1	stablecoins	stablecoin	NOUN
ijtc-1512	403	2	,	,	PUNCT
ijtc-1512	403	3	central	central	ADJ
ijtc-1512	403	4	bank	bank	NOUN
ijtc-1512	403	5	digital	digital	ADJ
ijtc-1512	403	6	currencies	currency	NOUN
ijtc-1512	403	7	,	,	PUNCT
ijtc-1512	403	8	and	and	CCONJ
ijtc-1512	403	9	us	we	PRON
ijtc-1512	403	10	dollar	dollar	NOUN
ijtc-1512	403	11	hegemony	hegemony	NOUN
ijtc-1512	403	12	:	:	PUNCT
ijtc-1512	403	13	the	the	DET
ijtc-1512	403	14	geopolitical	geopolitical	ADJ
ijtc-1512	403	15	stake	stake	NOUN
ijtc-1512	403	16	of	of	ADP
ijtc-1512	403	17	innovations	innovation	NOUN
ijtc-1512	403	18	in	in	ADP
ijtc-1512	403	19	money	money	NOUN
ijtc-1512	403	20	and	and	CCONJ
ijtc-1512	403	21	payments	payment	NOUN
ijtc-1512	403	22	.	.	PUNCT
ijtc-1512	404	1	accounting	accounting	NOUN
ijtc-1512	404	2	.	.	PUNCT
ijtc-1512	405	1	retrieved	retrieve	VERB
ijtc-1512	405	2	from	from	ADP
ijtc-1512	405	3	https://www.degruyter.com	https://www.degruyter.com	X
ijtc-1512	405	4	festo	festo	PROPN
ijtc-1512	405	5	,	,	PUNCT
ijtc-1512	405	6	c.	c.	PROPN
ijtc-1512	405	7	,	,	PUNCT
ijtc-1512	405	8	vannevel	vannevel	NOUN
ijtc-1512	405	9	,	,	PUNCT
ijtc-1512	405	10	v.	v.	PROPN
ijtc-1512	405	11	,	,	PUNCT
ijtc-1512	405	12	ali	ali	PROPN
ijtc-1512	405	13	,	,	PUNCT
ijtc-1512	405	14	h.	h.	PROPN
ijtc-1512	405	15	,	,	PUNCT
ijtc-1512	405	16	tamrat	tamrat	NOUN
ijtc-1512	405	17	,	,	PUNCT
ijtc-1512	405	18	t.	t.	PROPN
ijtc-1512	405	19	,	,	PUNCT
ijtc-1512	405	20	mollel	mollel	NOUN
ijtc-1512	405	21	,	,	PUNCT
ijtc-1512	405	22	g.	g.	PROPN
ijtc-1512	405	23	j.	j.	PROPN
ijtc-1512	405	24	,	,	PUNCT
ijtc-1512	405	25	hlongwane	hlongwane	PROPN
ijtc-1512	405	26	,	,	PUNCT
ijtc-1512	405	27	t.	t.	PROPN
ijtc-1512	405	28	,	,	PUNCT
ijtc-1512	405	29	fahmida	fahmida	PROPN
ijtc-1512	405	30	,	,	PUNCT
ijtc-1512	405	31	k.	k.	PROPN
ijtc-1512	405	32	a.	a.	PROPN
ijtc-1512	405	33	,	,	PUNCT
ijtc-1512	405	34	alland	alland	PROPN
ijtc-1512	405	35	,	,	PUNCT
ijtc-1512	405	36	k.	k.	PROPN
ijtc-1512	405	37	,	,	PUNCT
ijtc-1512	405	38	barreix	barreix	VERB
ijtc-1512	405	39	,	,	PUNCT
ijtc-1512	405	40	m.	m.	NOUN
ijtc-1512	405	41	,	,	PUNCT
ijtc-1512	405	42	mehrtash	mehrtash	PROPN
ijtc-1512	405	43	,	,	PUNCT
ijtc-1512	405	44	h.	h.	PROPN
ijtc-1512	405	45	,	,	PUNCT
ijtc-1512	405	46	&	&	CCONJ
ijtc-1512	405	47	silva	silva	PROPN
ijtc-1512	405	48	,	,	PUNCT
ijtc-1512	405	49	r.	r.	PROPN
ijtc-1512	405	50	(	(	PUNCT
ijtc-1512	405	51	2023	2023	NUM
ijtc-1512	405	52	)	)	PUNCT
ijtc-1512	405	53	.	.	PUNCT
ijtc-1512	406	1	accuracy	accuracy	NOUN
ijtc-1512	406	2	of	of	ADP
ijtc-1512	406	3	a	a	DET
ijtc-1512	406	4	smartphone	smartphone	NOUN
ijtc-1512	406	5	application	application	NOUN
ijtc-1512	406	6	for	for	ADP
ijtc-1512	406	7	blood	blood	NOUN
ijtc-1512	406	8	pressure	pressure	NOUN
ijtc-1512	406	9	estimation	estimation	NOUN
ijtc-1512	406	10	in	in	ADP
ijtc-1512	406	11	bangladesh	bangladesh	PROPN
ijtc-1512	406	12	,	,	PUNCT
ijtc-1512	406	13	south	south	PROPN
ijtc-1512	406	14	africa	africa	PROPN
ijtc-1512	406	15	,	,	PUNCT
ijtc-1512	406	16	and	and	CCONJ
ijtc-1512	406	17	tanzania	tanzania	PROPN
ijtc-1512	406	18	.	.	PUNCT
ijtc-1512	407	1	npj	npj	PROPN
ijtc-1512	407	2	digital	digital	ADJ
ijtc-1512	407	3	medicine	medicine	NOUN
ijtc-1512	407	4	,	,	PUNCT
ijtc-1512	407	5	6(1	6(1	NUM
ijtc-1512	407	6	)	)	PUNCT
ijtc-1512	407	7	,	,	PUNCT
ijtc-1512	407	8	69	69	NUM
ijtc-1512	407	9	.	.	PUNCT
ijtc-1512	408	1	retrieved	retrieve	VERB
ijtc-1512	408	2	from	from	ADP
ijtc-1512	408	3	https://www.nature.com	https://www.nature.com	X
ijtc-1512	408	4	foster	foster	PROPN
ijtc-1512	408	5	,	,	PUNCT
ijtc-1512	408	6	k.	k.	PROPN
ijtc-1512	408	7	,	,	PUNCT
ijtc-1512	408	8	blakstad	blakstad	PROPN
ijtc-1512	408	9	,	,	PUNCT
ijtc-1512	408	10	s.	s.	PROPN
ijtc-1512	408	11	,	,	PUNCT
ijtc-1512	408	12	gazi	gazi	PROPN
ijtc-1512	408	13	,	,	PUNCT
ijtc-1512	408	14	s.	s.	PROPN
ijtc-1512	408	15	,	,	PUNCT
ijtc-1512	408	16	&	&	CCONJ
ijtc-1512	408	17	bos	bos	PROPN
ijtc-1512	408	18	,	,	PUNCT
ijtc-1512	408	19	m.	m.	NOUN
ijtc-1512	408	20	(	(	PUNCT
ijtc-1512	408	21	2021	2021	NUM
ijtc-1512	408	22	)	)	PUNCT
ijtc-1512	408	23	.	.	PUNCT
ijtc-1512	409	1	digital	digital	ADJ
ijtc-1512	409	2	currencies	currency	NOUN
ijtc-1512	409	3	and	and	CCONJ
ijtc-1512	409	4	cbdc	cbdc	VERB
ijtc-1512	409	5	impacts	impact	NOUN
ijtc-1512	409	6	on	on	ADP
ijtc-1512	409	7	least	least	ADJ
ijtc-1512	409	8	developed	develop	VERB
ijtc-1512	409	9	countries	country	NOUN
ijtc-1512	409	10	(	(	PUNCT
ijtc-1512	409	11	ldcs	ldcs	PROPN
ijtc-1512	409	12	)	)	PUNCT
ijtc-1512	409	13	.	.	PUNCT
ijtc-1512	410	1	the	the	DET
ijtc-1512	410	2	dialogue	dialogue	NOUN
ijtc-1512	410	3	on	on	ADP
ijtc-1512	410	4	global	global	ADJ
ijtc-1512	410	5	digital	digital	ADJ
ijtc-1512	410	6	finance	finance	NOUN
ijtc-1512	410	7	governance	governance	NOUN
ijtc-1512	410	8	paper	paper	NOUN
ijtc-1512	410	9	series	series	NOUN
ijtc-1512	410	10	.	.	PUNCT
ijtc-1512	410	11	retrieved	retrieve	VERB
ijtc-1512	410	12	from	from	ADP
ijtc-1512	410	13	https://www.hku.hk	https://www.hku.hk	ADV
ijtc-1512	410	14	frederiksen	frederiksen	ADJ
ijtc-1512	410	15	,	,	PUNCT
ijtc-1512	410	16	k.	k.	PROPN
ijtc-1512	410	17	s.	s.	PROPN
ijtc-1512	410	18	,	,	PUNCT
ijtc-1512	410	19	cooper	cooper	PROPN
ijtc-1512	410	20	,	,	PUNCT
ijtc-1512	410	21	c.	c.	PROPN
ijtc-1512	410	22	,	,	PUNCT
ijtc-1512	410	23	frisoni	frisoni	NOUN
ijtc-1512	410	24	,	,	PUNCT
ijtc-1512	410	25	g.	g.	PROPN
ijtc-1512	410	26	b.	b.	PROPN
ijtc-1512	410	27	,	,	PUNCT
ijtc-1512	410	28	frölich	frölich	PROPN
ijtc-1512	410	29	,	,	PUNCT
ijtc-1512	410	30	l.	l.	PROPN
ijtc-1512	410	31	,	,	PUNCT
ijtc-1512	410	32	georges	georges	PROPN
ijtc-1512	410	33	,	,	PUNCT
ijtc-1512	410	34	j.	j.	PROPN
ijtc-1512	410	35	,	,	PUNCT
ijtc-1512	410	36	kramberger	kramberger	NOUN
ijtc-1512	410	37	,	,	PUNCT
ijtc-1512	410	38	m.	m.	NOUN
ijtc-1512	410	39	g.	g.	PROPN
ijtc-1512	410	40	,	,	PUNCT
ijtc-1512	410	41	nilsson	nilsson	PROPN
ijtc-1512	410	42	,	,	PUNCT
ijtc-1512	410	43	c.	c.	PROPN
ijtc-1512	410	44	,	,	PUNCT
ijtc-1512	410	45	passmore	passmore	NOUN
ijtc-1512	410	46	,	,	PUNCT
ijtc-1512	410	47	p.	p.	PROPN
ijtc-1512	410	48	,	,	PUNCT
ijtc-1512	410	49	mantoan	mantoan	PROPN
ijtc-1512	410	50	ritter	ritter	PROPN
ijtc-1512	410	51	,	,	PUNCT
ijtc-1512	410	52	l.	l.	PROPN
ijtc-1512	410	53	,	,	PUNCT
ijtc-1512	410	54	religa	religa	PROPN
ijtc-1512	410	55	,	,	PUNCT
ijtc-1512	410	56	d.	d.	PROPN
ijtc-1512	410	57	,	,	PUNCT
ijtc-1512	410	58	&	&	CCONJ
ijtc-1512	410	59	schmidt	schmidt	PROPN
ijtc-1512	410	60	,	,	PUNCT
ijtc-1512	410	61	r.	r.	PROPN
ijtc-1512	410	62	(	(	PUNCT
ijtc-1512	410	63	2020	2020	NUM
ijtc-1512	410	64	)	)	PUNCT
ijtc-1512	410	65	.	.	PUNCT
ijtc-1512	411	1	a	a	DET
ijtc-1512	411	2	european	european	PROPN
ijtc-1512	411	3	academy	academy	PROPN
ijtc-1512	411	4	of	of	ADP
ijtc-1512	411	5	neurology	neurology	NOUN
ijtc-1512	411	6	guideline	guideline	NOUN
ijtc-1512	411	7	on	on	ADP
ijtc-1512	411	8	medical	medical	ADJ
ijtc-1512	411	9	management	management	NOUN
ijtc-1512	411	10	issues	issue	NOUN
ijtc-1512	411	11	in	in	ADP
ijtc-1512	411	12	dementia	dementia	NOUN
ijtc-1512	411	13	.	.	PUNCT
ijtc-1512	412	1	european	european	PROPN
ijtc-1512	412	2	journal	journal	PROPN
ijtc-1512	412	3	of	of	ADP
ijtc-1512	412	4	neurology	neurology	NOUN
ijtc-1512	412	5	,	,	PUNCT
ijtc-1512	412	6	27(10	27(10	PROPN
ijtc-1512	412	7	)	)	PUNCT
ijtc-1512	412	8	,	,	PUNCT
ijtc-1512	412	9	1805–1820	1805–1820	NUM
ijtc-1512	412	10	.	.	PUNCT
ijtc-1512	413	1	retrieved	retrieve	VERB
ijtc-1512	413	2	from	from	ADP
ijtc-1512	413	3	https://www.wiley.com	https://www.wiley.com	X
ijtc-1512	413	4	fryer	fryer	NOUN
ijtc-1512	413	5	,	,	PUNCT
ijtc-1512	413	6	c.	c.	PROPN
ijtc-1512	413	7	e.	e.	PROPN
ijtc-1512	413	8	(	(	PUNCT
ijtc-1512	413	9	2021	2021	NUM
ijtc-1512	413	10	)	)	PUNCT
ijtc-1512	413	11	.	.	PUNCT
ijtc-1512	414	1	the	the	DET
ijtc-1512	414	2	effect	effect	NOUN
ijtc-1512	414	3	of	of	ADP
ijtc-1512	414	4	the	the	DET
ijtc-1512	414	5	protection	protection	NOUN
ijtc-1512	414	6	of	of	ADP
ijtc-1512	414	7	personal	personal	ADJ
ijtc-1512	414	8	information	information	NOUN
ijtc-1512	414	9	act	act	NOUN
ijtc-1512	414	10	of	of	ADP
ijtc-1512	414	11	2013	2013	NUM
ijtc-1512	414	12	on	on	ADP
ijtc-1512	414	13	the	the	DET
ijtc-1512	414	14	shortterm	shortterm	PROPN
ijtc-1512	414	15	insurance	insurance	NOUN
ijtc-1512	414	16	industry	industry	NOUN
ijtc-1512	414	17	.	.	PUNCT
ijtc-1512	415	1	retrieved	retrieve	VERB
ijtc-1512	415	2	from	from	ADP
ijtc-1512	415	3	https://www.nwu.ac.za	https://www.nwu.ac.za	PROPN
ijtc-1512	415	4	gainsbury	gainsbury	NOUN
ijtc-1512	415	5	,	,	PUNCT
ijtc-1512	415	6	s.	s.	PROPN
ijtc-1512	415	7	m.	m.	PROPN
ijtc-1512	415	8	,	,	PUNCT
ijtc-1512	415	9	&	&	CCONJ
ijtc-1512	415	10	blaszczynski	blaszczynski	PROPN
ijtc-1512	415	11	,	,	PUNCT
ijtc-1512	415	12	a.	a.	NOUN
ijtc-1512	415	13	(	(	PUNCT
ijtc-1512	415	14	2020	2020	NUM
ijtc-1512	415	15	)	)	PUNCT
ijtc-1512	415	16	.	.	PUNCT
ijtc-1512	416	1	digital	digital	ADJ
ijtc-1512	416	2	gambling	gambling	NOUN
ijtc-1512	416	3	payment	payment	NOUN
ijtc-1512	416	4	methods	method	NOUN
ijtc-1512	416	5	:	:	PUNCT
ijtc-1512	416	6	harm	harm	NOUN
ijtc-1512	416	7	minimization	minimization	NOUN
ijtc-1512	416	8	policy	policy	NOUN
ijtc-1512	416	9	considerations	consideration	NOUN
ijtc-1512	416	10	.	.	PUNCT
ijtc-1512	417	1	gaming	gaming	NOUN
ijtc-1512	417	2	law	law	NOUN
ijtc-1512	417	3	review	review	NOUN
ijtc-1512	417	4	.	.	PUNCT
ijtc-1512	418	1	retrieved	retrieve	VERB
ijtc-1512	418	2	from	from	ADP
ijtc-1512	418	3	https://www.greo.ca	https://www.greo.ca	NOUN
ijtc-1512	418	4	gaviyau	gaviyau	NOUN
ijtc-1512	418	5	,	,	PUNCT
ijtc-1512	418	6	w.	w.	PROPN
ijtc-1512	418	7	,	,	PUNCT
ijtc-1512	418	8	&	&	CCONJ
ijtc-1512	418	9	sibindi	sibindi	PROPN
ijtc-1512	418	10	,	,	PUNCT
ijtc-1512	418	11	a.	a.	PROPN
ijtc-1512	418	12	b.	b.	PROPN
ijtc-1512	418	13	(	(	PUNCT
ijtc-1512	418	14	2023	2023	NUM
ijtc-1512	418	15	)	)	PUNCT
ijtc-1512	418	16	.	.	PUNCT
ijtc-1512	419	1	anti	anti	ADJ
ijtc-1512	419	2	-	-	ADJ
ijtc-1512	419	3	money	money	ADJ
ijtc-1512	419	4	laundering	laundering	NOUN
ijtc-1512	419	5	and	and	CCONJ
ijtc-1512	419	6	customer	customer	NOUN
ijtc-1512	419	7	due	due	ADJ
ijtc-1512	419	8	diligence	diligence	NOUN
ijtc-1512	419	9	:	:	PUNCT
ijtc-1512	419	10	empirical	empirical	ADJ
ijtc-1512	419	11	evidence	evidence	NOUN
ijtc-1512	419	12	from	from	ADP
ijtc-1512	419	13	south	south	PROPN
ijtc-1512	419	14	africa	africa	PROPN
ijtc-1512	419	15	.	.	PUNCT
ijtc-1512	420	1	journal	journal	PROPN
ijtc-1512	420	2	of	of	ADP
ijtc-1512	420	3	money	money	NOUN
ijtc-1512	420	4	laundering	laundering	NOUN
ijtc-1512	420	5	control	control	NOUN
ijtc-1512	420	6	.	.	PUNCT
ijtc-1512	421	1	retrieved	retrieve	VERB
ijtc-1512	421	2	from	from	ADP
ijtc-1512	421	3	https://www.emerald.com	https://www.emerald.com	X
ijtc-1512	421	4	gaviyau	gaviyau	PROPN
ijtc-1512	421	5	,	,	PUNCT
ijtc-1512	421	6	w.	w.	PROPN
ijtc-1512	421	7	,	,	PUNCT
ijtc-1512	421	8	&	&	CCONJ
ijtc-1512	421	9	sibindi	sibindi	PROPN
ijtc-1512	421	10	,	,	PUNCT
ijtc-1512	421	11	a.	a.	PROPN
ijtc-1512	421	12	b.	b.	PROPN
ijtc-1512	421	13	(	(	PUNCT
ijtc-1512	421	14	2023	2023	NUM
ijtc-1512	421	15	)	)	PUNCT
ijtc-1512	421	16	.	.	PUNCT
ijtc-1512	422	1	global	global	ADJ
ijtc-1512	422	2	anti	anti	ADJ
ijtc-1512	422	3	-	-	ADJ
ijtc-1512	422	4	money	money	ADJ
ijtc-1512	422	5	laundering	laundering	NOUN
ijtc-1512	422	6	and	and	CCONJ
ijtc-1512	422	7	combating	combat	VERB
ijtc-1512	422	8	terrorism	terrorism	NOUN
ijtc-1512	422	9	financing	finance	VERB
ijtc-1512	422	10	regulatory	regulatory	ADJ
ijtc-1512	422	11	framework	framework	NOUN
ijtc-1512	422	12	:	:	PUNCT
ijtc-1512	422	13	a	a	DET
ijtc-1512	422	14	critique	critique	NOUN
ijtc-1512	422	15	.	.	PUNCT
ijtc-1512	423	1	journal	journal	NOUN
ijtc-1512	423	2	of	of	ADP
ijtc-1512	423	3	risk	risk	NOUN
ijtc-1512	423	4	and	and	CCONJ
ijtc-1512	423	5	financial	financial	ADJ
ijtc-1512	423	6	management	management	NOUN
ijtc-1512	423	7	.	.	PUNCT
ijtc-1512	424	1	retrieved	retrieve	VERB
ijtc-1512	424	2	from	from	ADP
ijtc-1512	424	3	https://www.mdpi.com	https://www.mdpi.com	X
ijtc-1512	424	4	gelb	gelb	PROPN
ijtc-1512	424	5	,	,	PUNCT
ijtc-1512	424	6	a.	a.	PROPN
ijtc-1512	424	7	,	,	PUNCT
ijtc-1512	424	8	&	&	CCONJ
ijtc-1512	424	9	mukherjee	mukherjee	PROPN
ijtc-1512	424	10	,	,	PUNCT
ijtc-1512	424	11	a.	a.	NOUN
ijtc-1512	424	12	(	(	PUNCT
ijtc-1512	424	13	2020	2020	NUM
ijtc-1512	424	14	)	)	PUNCT
ijtc-1512	424	15	.	.	PUNCT
ijtc-1512	425	1	digital	digital	ADJ
ijtc-1512	425	2	technology	technology	NOUN
ijtc-1512	425	3	in	in	ADP
ijtc-1512	425	4	social	social	ADJ
ijtc-1512	425	5	assistance	assistance	NOUN
ijtc-1512	425	6	transfers	transfer	NOUN
ijtc-1512	425	7	for	for	ADP
ijtc-1512	425	8	covid-19	covid-19	PROPN
ijtc-1512	425	9	relief	relief	NOUN
ijtc-1512	425	10	:	:	PUNCT
ijtc-1512	425	11	lessons	lesson	NOUN
ijtc-1512	425	12	from	from	ADP
ijtc-1512	425	13	selected	select	VERB
ijtc-1512	425	14	cases	case	NOUN
ijtc-1512	425	15	.	.	PUNCT
ijtc-1512	426	1	cgd	cgd	PROPN
ijtc-1512	426	2	policy	policy	PROPN
ijtc-1512	426	3	paper	paper	NOUN
ijtc-1512	426	4	.	.	PUNCT
ijtc-1512	427	1	retrieved	retrieve	VERB
ijtc-1512	427	2	from	from	ADP
ijtc-1512	427	3	https://www.ictworks.org	https://www.ictworks.org	PROPN
ijtc-1512	427	4	gentilini	gentilini	PROPN
ijtc-1512	427	5	,	,	PUNCT
ijtc-1512	427	6	u.	u.	PROPN
ijtc-1512	427	7	(	(	PUNCT
ijtc-1512	427	8	2022	2022	NUM
ijtc-1512	427	9	)	)	PUNCT
ijtc-1512	427	10	.	.	PUNCT
ijtc-1512	428	1	social	social	ADJ
ijtc-1512	428	2	protection	protection	NOUN
ijtc-1512	428	3	and	and	CCONJ
ijtc-1512	428	4	jobs	job	NOUN
ijtc-1512	428	5	responses	response	NOUN
ijtc-1512	428	6	to	to	ADP
ijtc-1512	428	7	covid-19	covid-19	PROPN
ijtc-1512	428	8	:	:	PUNCT
ijtc-1512	428	9	a	a	DET
ijtc-1512	428	10	real	real	ADJ
ijtc-1512	428	11	-	-	PUNCT
ijtc-1512	428	12	time	time	NOUN
ijtc-1512	428	13	review	review	NOUN
ijtc-1512	428	14	of	of	ADP
ijtc-1512	428	15	country	country	NOUN
ijtc-1512	428	16	measures	measure	NOUN
ijtc-1512	428	17	.	.	PUNCT
ijtc-1512	429	1	retrieved	retrieve	VERB
ijtc-1512	429	2	from	from	ADP
ijtc-1512	429	3	https://www.ueh.edu.vn	https://www.ueh.edu.vn	PROPN
ijtc-1512	429	4	gronbach	gronbach	NOUN
ijtc-1512	429	5	,	,	PUNCT
ijtc-1512	429	6	l.	l.	PROPN
ijtc-1512	429	7	(	(	PUNCT
ijtc-1512	429	8	2020	2020	NUM
ijtc-1512	429	9	)	)	PUNCT
ijtc-1512	429	10	.	.	PUNCT
ijtc-1512	430	1	social	social	ADJ
ijtc-1512	430	2	cash	cash	NOUN
ijtc-1512	430	3	transfer	transfer	NOUN
ijtc-1512	430	4	payment	payment	NOUN
ijtc-1512	430	5	systems	system	NOUN
ijtc-1512	430	6	in	in	ADP
ijtc-1512	430	7	sub	sub	ADJ
ijtc-1512	430	8	-	-	ADJ
ijtc-1512	430	9	saharan	saharan	ADJ
ijtc-1512	430	10	africa	africa	PROPN
ijtc-1512	430	11	.	.	PUNCT
ijtc-1512	431	1	cssr	cssr	PROPN
ijtc-1512	431	2	working	working	NOUN
ijtc-1512	431	3	paper	paper	NOUN
ijtc-1512	431	4	.	.	PUNCT
ijtc-1512	432	1	retrieved	retrieve	VERB
ijtc-1512	432	2	from	from	ADP
ijtc-1512	432	3	https://www.researchgate.net	https://www.researchgate.net	PROPN
ijtc-1512	432	4	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	432	5	https://www.icm.edu.pl/	https://www.icm.edu.pl/	PROPN
ijtc-1512	432	6	https://www.mdpi.com/	https://www.mdpi.com/	NOUN
ijtc-1512	432	7	https://www.degruyter.com/	https://www.degruyter.com/	ADJ
ijtc-1512	432	8	https://www.nature.com/	https://www.nature.com/	NOUN
ijtc-1512	432	9	https://www.hku.hk/	https://www.hku.hk/	PROPN
ijtc-1512	432	10	https://www.wiley.com/	https://www.wiley.com/	NOUN
ijtc-1512	432	11	https://www.nwu.ac.za/	https://www.nwu.ac.za/	PROPN
ijtc-1512	432	12	https://www.greo.ca/	https://www.greo.ca/	NUM
ijtc-1512	432	13	https://www.emerald.com/	https://www.emerald.com/	PROPN
ijtc-1512	432	14	https://www.mdpi.com/	https://www.mdpi.com/	NOUN
ijtc-1512	432	15	https://www.ictworks.org/	https://www.ictworks.org/	NOUN
ijtc-1512	432	16	https://www.ueh.edu.vn/	https://www.ueh.edu.vn/	AUX
ijtc-1512	432	17	https://www.researchgate.net/	https://www.researchgate.net/	NOUN
ijtc-1512	432	18	examining	examine	VERB
ijtc-1512	432	19	the	the	DET
ijtc-1512	432	20	management	management	NOUN
ijtc-1512	432	21	impact	impact	NOUN
ijtc-1512	432	22	:	:	PUNCT
ijtc-1512	432	23	a	a	DET
ijtc-1512	432	24	literature	literature	NOUN
ijtc-1512	432	25	review	review	NOUN
ijtc-1512	432	26	on	on	ADP
ijtc-1512	432	27	the	the	DET
ijtc-1512	432	28	phasing	phasing	NOUN
ijtc-1512	432	29	out	out	ADP
ijtc-1512	432	30	of	of	ADP
ijtc-1512	432	31	cheques	cheque	NOUN
ijtc-1512	432	32	in	in	ADP
ijtc-1512	432	33	south	south	PROPN
ijtc-1512	432	34	africa	africa	PROPN
ijtc-1512	432	35	abrahams	abrahams	PROPN
ijtc-1512	432	36	and	and	CCONJ
ijtc-1512	432	37	pretorius	pretorius	NOUN
ijtc-1512	432	38	18	18	NUM
ijtc-1512	432	39	|	|	ADV
ijtc-1512	432	40	ilomata	ilomata	PROPN
ijtc-1512	432	41	international	international	ADJ
ijtc-1512	432	42	journal	journal	NOUN
ijtc-1512	432	43	of	of	ADP
ijtc-1512	432	44	tax	tax	PROPN
ijtc-1512	432	45	&	&	CCONJ
ijtc-1512	432	46	accounting	accounting	PROPN
ijtc-1512	432	47	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	432	48	gronbach	gronbach	NOUN
ijtc-1512	432	49	,	,	PUNCT
ijtc-1512	432	50	l.	l.	PROPN
ijtc-1512	432	51	,	,	PUNCT
ijtc-1512	432	52	seekings	seeking	NOUN
ijtc-1512	432	53	,	,	PUNCT
ijtc-1512	432	54	j.	j.	PROPN
ijtc-1512	432	55	,	,	PUNCT
ijtc-1512	432	56	&	&	CCONJ
ijtc-1512	432	57	megannon	megannon	PROPN
ijtc-1512	432	58	,	,	PUNCT
ijtc-1512	432	59	v.	v.	PROPN
ijtc-1512	432	60	(	(	PUNCT
ijtc-1512	432	61	2022	2022	NUM
ijtc-1512	432	62	)	)	PUNCT
ijtc-1512	432	63	.	.	PUNCT
ijtc-1512	433	1	social	social	ADJ
ijtc-1512	433	2	protection	protection	NOUN
ijtc-1512	433	3	in	in	ADP
ijtc-1512	433	4	the	the	DET
ijtc-1512	433	5	covid-19	covid-19	PROPN
ijtc-1512	433	6	pandemic	pandemic	NOUN
ijtc-1512	433	7	:	:	PUNCT
ijtc-1512	433	8	lessons	lesson	NOUN
ijtc-1512	433	9	from	from	ADP
ijtc-1512	433	10	south	south	PROPN
ijtc-1512	433	11	africa	africa	PROPN
ijtc-1512	433	12	.	.	PUNCT
ijtc-1512	434	1	center	center	PROPN
ijtc-1512	434	2	for	for	ADP
ijtc-1512	434	3	global	global	ADJ
ijtc-1512	434	4	development	development	PROPN
ijtc-1512	434	5	policy	policy	NOUN
ijtc-1512	434	6	paper	paper	NOUN
ijtc-1512	434	7	,	,	PUNCT
ijtc-1512	434	8	252	252	NUM
ijtc-1512	434	9	.	.	PUNCT
ijtc-1512	435	1	retrieved	retrieve	VERB
ijtc-1512	435	2	from	from	ADP
ijtc-1512	435	3	https://www.cgdev.org	https://www.cgdev.org	PROPN
ijtc-1512	435	4	haddad	haddad	PROPN
ijtc-1512	435	5	,	,	PUNCT
ijtc-1512	435	6	c.	c.	PROPN
ijtc-1512	435	7	r.	r.	PROPN
ijtc-1512	435	8	,	,	PUNCT
ijtc-1512	435	9	prendini	prendini	PROPN
ijtc-1512	435	10	,	,	PUNCT
ijtc-1512	435	11	l.	l.	PROPN
ijtc-1512	435	12	,	,	PUNCT
ijtc-1512	435	13	neethling	neethling	PROPN
ijtc-1512	435	14	,	,	PUNCT
ijtc-1512	435	15	j.	j.	PROPN
ijtc-1512	435	16	a.	a.	PROPN
ijtc-1512	435	17	,	,	PUNCT
ijtc-1512	435	18	&	&	CCONJ
ijtc-1512	435	19	dippenaar	dippenaar	PROPN
ijtc-1512	435	20	-	-	PUNCT
ijtc-1512	435	21	schoeman	schoeman	PROPN
ijtc-1512	435	22	,	,	PUNCT
ijtc-1512	435	23	a.	a.	PROPN
ijtc-1512	435	24	s.	s.	PROPN
ijtc-1512	435	25	(	(	PUNCT
ijtc-1512	435	26	2023	2023	NUM
ijtc-1512	435	27	)	)	PUNCT
ijtc-1512	435	28	.	.	PUNCT
ijtc-1512	436	1	the	the	DET
ijtc-1512	436	2	non	non	ADJ
ijtc-1512	436	3	-	-	ADJ
ijtc-1512	436	4	acarine	acarine	ADJ
ijtc-1512	436	5	arachnida	arachnida	PROPN
ijtc-1512	436	6	of	of	ADP
ijtc-1512	436	7	the	the	DET
ijtc-1512	436	8	amathole	amathole	ADJ
ijtc-1512	436	9	mountains	mountain	NOUN
ijtc-1512	436	10	,	,	PUNCT
ijtc-1512	436	11	south	south	PROPN
ijtc-1512	436	12	africa	africa	PROPN
ijtc-1512	436	13	.	.	PUNCT
ijtc-1512	437	1	bothalia	bothalia	PROPN
ijtc-1512	437	2	-	-	PUNCT
ijtc-1512	437	3	african	african	ADJ
ijtc-1512	437	4	biodiversity	biodiversity	NOUN
ijtc-1512	437	5	&	&	CCONJ
ijtc-1512	437	6	conservation	conservation	NOUN
ijtc-1512	437	7	,	,	PUNCT
ijtc-1512	437	8	53(1	53(1	NUM
ijtc-1512	437	9	)	)	PUNCT
ijtc-1512	437	10	,	,	PUNCT
ijtc-1512	437	11	1–33	1–33	PROPN
ijtc-1512	437	12	.	.	PUNCT
ijtc-1512	438	1	retrieved	retrieve	VERB
ijtc-1512	438	2	from	from	ADP
ijtc-1512	438	3	https://www.scielo.org.za	https://www.scielo.org.za	ADJ
ijtc-1512	438	4	hoosain	hoosain	NOUN
ijtc-1512	438	5	,	,	PUNCT
ijtc-1512	438	6	m.	m.	NOUN
ijtc-1512	438	7	s.	s.	PROPN
ijtc-1512	438	8	,	,	PUNCT
ijtc-1512	438	9	paul	paul	PROPN
ijtc-1512	438	10	,	,	PUNCT
ijtc-1512	438	11	b.	b.	PROPN
ijtc-1512	438	12	s.	s.	PROPN
ijtc-1512	438	13	,	,	PUNCT
ijtc-1512	438	14	&	&	CCONJ
ijtc-1512	438	15	ramakrishna	ramakrishna	PROPN
ijtc-1512	438	16	,	,	PUNCT
ijtc-1512	438	17	s.	s.	PROPN
ijtc-1512	438	18	(	(	PUNCT
ijtc-1512	438	19	2020	2020	NUM
ijtc-1512	438	20	)	)	PUNCT
ijtc-1512	438	21	.	.	PUNCT
ijtc-1512	439	1	the	the	DET
ijtc-1512	439	2	impact	impact	NOUN
ijtc-1512	439	3	of	of	ADP
ijtc-1512	439	4	4ir	4ir	ADJ
ijtc-1512	439	5	digital	digital	ADJ
ijtc-1512	439	6	technologies	technology	NOUN
ijtc-1512	439	7	and	and	CCONJ
ijtc-1512	439	8	circular	circular	ADJ
ijtc-1512	439	9	thinking	thinking	NOUN
ijtc-1512	439	10	on	on	ADP
ijtc-1512	439	11	the	the	DET
ijtc-1512	439	12	united	united	PROPN
ijtc-1512	439	13	nations	nations	PROPN
ijtc-1512	439	14	sustainable	sustainable	ADJ
ijtc-1512	439	15	development	development	NOUN
ijtc-1512	439	16	goals	goal	NOUN
ijtc-1512	439	17	.	.	PUNCT
ijtc-1512	440	1	sustainability	sustainability	NOUN
ijtc-1512	440	2	.	.	PUNCT
ijtc-1512	441	1	retrieved	retrieve	VERB
ijtc-1512	441	2	from	from	ADP
ijtc-1512	441	3	https://www.mdpi.com	https://www.mdpi.com	X
ijtc-1512	441	4	howell	howell	PROPN
ijtc-1512	441	5	,	,	PUNCT
ijtc-1512	441	6	l.	l.	PROPN
ijtc-1512	441	7	(	(	PUNCT
ijtc-1512	441	8	2020	2020	NUM
ijtc-1512	441	9	)	)	PUNCT
ijtc-1512	441	10	.	.	PUNCT
ijtc-1512	442	1	does	do	AUX
ijtc-1512	442	2	online	online	ADJ
ijtc-1512	442	3	banking	banking	NOUN
ijtc-1512	442	4	technology	technology	NOUN
ijtc-1512	442	5	at	at	ADP
ijtc-1512	442	6	low	low	ADJ
ijtc-1512	442	7	-	-	PUNCT
ijtc-1512	442	8	income	income	NOUN
ijtc-1512	442	9	credit	credit	NOUN
ijtc-1512	442	10	unions	union	NOUN
ijtc-1512	442	11	promote	promote	VERB
ijtc-1512	442	12	financial	financial	ADJ
ijtc-1512	442	13	inclusion	inclusion	NOUN
ijtc-1512	442	14	?	?	PUNCT
ijtc-1512	443	1	retrieved	retrieve	VERB
ijtc-1512	443	2	from	from	ADP
ijtc-1512	443	3	https://www.unc.edu	https://www.unc.edu	PROPN
ijtc-1512	443	4	huneberg	huneberg	PROPN
ijtc-1512	443	5	,	,	PUNCT
ijtc-1512	443	6	s.	s.	PROPN
ijtc-1512	443	7	(	(	PUNCT
ijtc-1512	443	8	2020	2020	NUM
ijtc-1512	443	9	)	)	PUNCT
ijtc-1512	443	10	.	.	PUNCT
ijtc-1512	444	1	sa	sa	PROPN
ijtc-1512	444	2	mercantile	mercantile	PROPN
ijtc-1512	444	3	law	law	PROPN
ijtc-1512	444	4	journal	journal	PROPN
ijtc-1512	444	5	.	.	PUNCT
ijtc-1512	445	1	published	publish	VERB
ijtc-1512	445	2	march	march	PROPN
ijtc-1512	445	3	2021	2021	NUM
ijtc-1512	445	4	.	.	PUNCT
ijtc-1512	446	1	isniah	isniah	PROPN
ijtc-1512	446	2	,	,	PUNCT
ijtc-1512	446	3	s.	s.	PROPN
ijtc-1512	446	4	,	,	PUNCT
ijtc-1512	446	5	purba	purba	PROPN
ijtc-1512	446	6	,	,	PUNCT
ijtc-1512	446	7	h.	h.	PROPN
ijtc-1512	446	8	h.	h.	PROPN
ijtc-1512	446	9	,	,	PUNCT
ijtc-1512	446	10	&	&	CCONJ
ijtc-1512	446	11	debora	debora	PROPN
ijtc-1512	446	12	,	,	PUNCT
ijtc-1512	446	13	f.	f.	PROPN
ijtc-1512	446	14	(	(	PUNCT
ijtc-1512	446	15	2020	2020	NUM
ijtc-1512	446	16	)	)	PUNCT
ijtc-1512	446	17	.	.	PUNCT
ijtc-1512	447	1	plan	plan	NOUN
ijtc-1512	447	2	do	do	AUX
ijtc-1512	447	3	check	check	VERB
ijtc-1512	447	4	action	action	NOUN
ijtc-1512	447	5	(	(	PUNCT
ijtc-1512	447	6	pdca	pdca	ADJ
ijtc-1512	447	7	)	)	PUNCT
ijtc-1512	447	8	method	method	NOUN
ijtc-1512	447	9	:	:	PUNCT
ijtc-1512	447	10	literature	literature	NOUN
ijtc-1512	447	11	review	review	NOUN
ijtc-1512	447	12	and	and	CCONJ
ijtc-1512	447	13	research	research	NOUN
ijtc-1512	447	14	issues	issue	NOUN
ijtc-1512	447	15	.	.	PUNCT
ijtc-1512	448	1	jurnal	jurnal	ADJ
ijtc-1512	448	2	sistem	sistem	PROPN
ijtc-1512	448	3	dan	dan	PROPN
ijtc-1512	448	4	manajemen	manajemen	PROPN
ijtc-1512	448	5	industri	industri	PROPN
ijtc-1512	448	6	,	,	PUNCT
ijtc-1512	448	7	4(1	4(1	NOUN
ijtc-1512	448	8	)	)	PUNCT
ijtc-1512	448	9	,	,	PUNCT
ijtc-1512	448	10	72–81	72–81	NUM
ijtc-1512	448	11	.	.	PUNCT
ijtc-1512	449	1	retrieved	retrieve	VERB
ijtc-1512	449	2	from	from	ADP
ijtc-1512	449	3	https://www.lppmunsera.org	https://www.lppmunsera.org	PROPN
ijtc-1512	449	4	james	james	PROPN
ijtc-1512	449	5	,	,	PUNCT
ijtc-1512	449	6	j.	j.	PROPN
ijtc-1512	449	7	(	(	PUNCT
ijtc-1512	449	8	2021	2021	NUM
ijtc-1512	449	9	)	)	PUNCT
ijtc-1512	449	10	.	.	PUNCT
ijtc-1512	450	1	confronting	confront	VERB
ijtc-1512	450	2	the	the	DET
ijtc-1512	450	3	scarcity	scarcity	NOUN
ijtc-1512	450	4	of	of	ADP
ijtc-1512	450	5	digital	digital	ADJ
ijtc-1512	450	6	skills	skill	NOUN
ijtc-1512	450	7	among	among	ADP
ijtc-1512	450	8	the	the	DET
ijtc-1512	450	9	poor	poor	ADJ
ijtc-1512	450	10	in	in	ADP
ijtc-1512	450	11	developing	develop	VERB
ijtc-1512	450	12	countries	country	NOUN
ijtc-1512	450	13	.	.	PUNCT
ijtc-1512	451	1	development	development	NOUN
ijtc-1512	451	2	policy	policy	PROPN
ijtc-1512	451	3	review	review	PROPN
ijtc-1512	451	4	.	.	PUNCT
ijtc-1512	452	1	retrieved	retrieve	VERB
ijtc-1512	452	2	from	from	ADP
ijtc-1512	452	3	https://www.wiley.com	https://www.wiley.com	X
ijtc-1512	452	4	janiszewski	janiszewski	PROPN
ijtc-1512	452	5	,	,	PUNCT
ijtc-1512	452	6	c.	c.	PROPN
ijtc-1512	452	7	,	,	PUNCT
ijtc-1512	452	8	&	&	CCONJ
ijtc-1512	452	9	laran	laran	PROPN
ijtc-1512	452	10	,	,	PUNCT
ijtc-1512	452	11	j.	j.	PROPN
ijtc-1512	452	12	(	(	PUNCT
ijtc-1512	452	13	2024	2024	NUM
ijtc-1512	452	14	)	)	PUNCT
ijtc-1512	452	15	.	.	PUNCT
ijtc-1512	453	1	a	a	DET
ijtc-1512	453	2	behaviorist	behaviorist	NOUN
ijtc-1512	453	3	perspective	perspective	NOUN
ijtc-1512	453	4	on	on	ADP
ijtc-1512	453	5	how	how	SCONJ
ijtc-1512	453	6	to	to	PART
ijtc-1512	453	7	address	address	VERB
ijtc-1512	453	8	negative	negative	ADJ
ijtc-1512	453	9	consumer	consumer	NOUN
ijtc-1512	453	10	behaviors	behavior	NOUN
ijtc-1512	453	11	.	.	PUNCT
ijtc-1512	454	1	consumer	consumer	NOUN
ijtc-1512	454	2	psychology	psychology	NOUN
ijtc-1512	454	3	review	review	NOUN
ijtc-1512	454	4	.	.	PUNCT
ijtc-1512	455	1	jean	jean	PROPN
ijtc-1512	455	2	pierre	pierre	PROPN
ijtc-1512	455	3	,	,	PUNCT
ijtc-1512	455	4	s.	s.	PROPN
ijtc-1512	455	5	,	,	PUNCT
ijtc-1512	455	6	&	&	CCONJ
ijtc-1512	455	7	mombeuil	mombeuil	PROPN
ijtc-1512	455	8	,	,	PUNCT
ijtc-1512	455	9	c.	c.	NOUN
ijtc-1512	455	10	(	(	PUNCT
ijtc-1512	455	11	2023	2023	NUM
ijtc-1512	455	12	)	)	PUNCT
ijtc-1512	455	13	.	.	PUNCT
ijtc-1512	456	1	factors	factor	NOUN
ijtc-1512	456	2	affecting	affect	VERB
ijtc-1512	456	3	merchants	merchant	NOUN
ijtc-1512	456	4	'	'	PART
ijtc-1512	456	5	acceptance	acceptance	NOUN
ijtc-1512	456	6	of	of	ADP
ijtc-1512	456	7	p2p	p2p	NOUN
ijtc-1512	456	8	m	m	NOUN
ijtc-1512	456	9	-	-	NOUN
ijtc-1512	456	10	payments	payment	NOUN
ijtc-1512	456	11	:	:	PUNCT
ijtc-1512	456	12	a	a	DET
ijtc-1512	456	13	multigroup	multigroup	ADJ
ijtc-1512	456	14	moderating	moderate	VERB
ijtc-1512	456	15	effect	effect	NOUN
ijtc-1512	456	16	of	of	ADP
ijtc-1512	456	17	gender	gender	NOUN
ijtc-1512	456	18	,	,	PUNCT
ijtc-1512	456	19	age	age	NOUN
ijtc-1512	456	20	,	,	PUNCT
ijtc-1512	456	21	and	and	CCONJ
ijtc-1512	456	22	experience	experience	NOUN
ijtc-1512	456	23	.	.	PUNCT
ijtc-1512	457	1	international	international	ADJ
ijtc-1512	457	2	journal	journal	PROPN
ijtc-1512	457	3	of	of	ADP
ijtc-1512	457	4	bank	bank	PROPN
ijtc-1512	457	5	marketing	marketing	NOUN
ijtc-1512	457	6	.	.	PUNCT
ijtc-1512	458	1	kang	kang	PROPN
ijtc-1512	458	2	,	,	PUNCT
ijtc-1512	458	3	h.	h.	PROPN
ijtc-1512	458	4	n.	n.	PROPN
ijtc-1512	458	5	,	,	PUNCT
ijtc-1512	458	6	thorpe	thorpe	PROPN
ijtc-1512	458	7	,	,	PUNCT
ijtc-1512	458	8	r.	r.	PROPN
ijtc-1512	458	9	,	,	PUNCT
ijtc-1512	458	10	knezevic	knezevic	PROPN
ijtc-1512	458	11	,	,	PUNCT
ijtc-1512	458	12	i.	i.	PROPN
ijtc-1512	458	13	,	,	PUNCT
ijtc-1512	458	14	casas	casas	PROPN
ijtc-1512	458	15	levano	levano	PROPN
ijtc-1512	458	16	,	,	PUNCT
ijtc-1512	458	17	m.	m.	NOUN
ijtc-1512	458	18	,	,	PUNCT
ijtc-1512	458	19	chilufya	chilufya	PROPN
ijtc-1512	458	20	,	,	PUNCT
ijtc-1512	458	21	m.	m.	PROPN
ijtc-1512	458	22	b.	b.	PROPN
ijtc-1512	458	23	,	,	PUNCT
ijtc-1512	458	24	chirachanakul	chirachanakul	PROPN
ijtc-1512	458	25	,	,	PUNCT
ijtc-1512	458	26	p.	p.	PROPN
ijtc-1512	458	27	,	,	PUNCT
ijtc-1512	458	28	chua	chua	PROPN
ijtc-1512	458	29	,	,	PUNCT
ijtc-1512	458	30	h.	h.	PROPN
ijtc-1512	458	31	m.	m.	PROPN
ijtc-1512	458	32	,	,	PUNCT
ijtc-1512	458	33	dalili	dalili	PROPN
ijtc-1512	458	34	,	,	PUNCT
ijtc-1512	458	35	d.	d.	PROPN
ijtc-1512	458	36	,	,	PUNCT
ijtc-1512	458	37	foo	foo	PROPN
ijtc-1512	458	38	,	,	PUNCT
ijtc-1512	458	39	f.	f.	PROPN
ijtc-1512	458	40	,	,	PUNCT
ijtc-1512	458	41	gao	gao	PROPN
ijtc-1512	458	42	,	,	PUNCT
ijtc-1512	458	43	k.	k.	PROPN
ijtc-1512	458	44	,	,	PUNCT
ijtc-1512	458	45	&	&	CCONJ
ijtc-1512	458	46	habahbeh	habahbeh	PROPN
ijtc-1512	458	47	,	,	PUNCT
ijtc-1512	458	48	s.	s.	PROPN
ijtc-1512	458	49	(	(	PUNCT
ijtc-1512	458	50	2021	2021	NUM
ijtc-1512	458	51	)	)	PUNCT
ijtc-1512	458	52	.	.	PUNCT
ijtc-1512	459	1	regulatory	regulatory	ADJ
ijtc-1512	459	2	challenges	challenge	NOUN
ijtc-1512	459	3	with	with	ADP
ijtc-1512	459	4	biosimilars	biosimilar	NOUN
ijtc-1512	459	5	:	:	PUNCT
ijtc-1512	459	6	an	an	DET
ijtc-1512	459	7	update	update	NOUN
ijtc-1512	459	8	from	from	ADP
ijtc-1512	459	9	20	20	NUM
ijtc-1512	459	10	countries	country	NOUN
ijtc-1512	459	11	.	.	PUNCT
ijtc-1512	460	1	annals	annal	NOUN
ijtc-1512	460	2	of	of	ADP
ijtc-1512	460	3	the	the	DET
ijtc-1512	460	4	new	new	PROPN
ijtc-1512	460	5	york	york	PROPN
ijtc-1512	460	6	academy	academy	PROPN
ijtc-1512	460	7	of	of	ADP
ijtc-1512	460	8	sciences	sciences	PROPN
ijtc-1512	460	9	,	,	PUNCT
ijtc-1512	460	10	1491(1	1491(1	NUM
ijtc-1512	460	11	)	)	PUNCT
ijtc-1512	460	12	,	,	PUNCT
ijtc-1512	460	13	42–59	42–59	NUM
ijtc-1512	460	14	.	.	PUNCT
ijtc-1512	460	15	https://www.wiley.com	https://www.wiley.com	X
ijtc-1512	461	1	khambule	khambule	PROPN
ijtc-1512	461	2	,	,	PUNCT
ijtc-1512	461	3	i.	i.	NOUN
ijtc-1512	461	4	(	(	PUNCT
ijtc-1512	461	5	2021	2021	NUM
ijtc-1512	461	6	)	)	PUNCT
ijtc-1512	461	7	.	.	PUNCT
ijtc-1512	462	1	covid-19	covid-19	PROPN
ijtc-1512	462	2	and	and	CCONJ
ijtc-1512	462	3	the	the	DET
ijtc-1512	462	4	counter	counter	ADJ
ijtc-1512	462	5	-	-	ADJ
ijtc-1512	462	6	cyclical	cyclical	ADJ
ijtc-1512	462	7	role	role	NOUN
ijtc-1512	462	8	of	of	ADP
ijtc-1512	462	9	the	the	DET
ijtc-1512	462	10	state	state	NOUN
ijtc-1512	462	11	in	in	ADP
ijtc-1512	462	12	south	south	PROPN
ijtc-1512	462	13	africa	africa	PROPN
ijtc-1512	462	14	.	.	PUNCT
ijtc-1512	463	1	progress	progress	NOUN
ijtc-1512	463	2	in	in	ADP
ijtc-1512	463	3	development	development	NOUN
ijtc-1512	463	4	studies	study	NOUN
ijtc-1512	463	5	.	.	PUNCT
ijtc-1512	463	6	https://www.sagepub.com	https://www.sagepub.com	X
ijtc-1512	464	1	khan	khan	PROPN
ijtc-1512	464	2	,	,	PUNCT
ijtc-1512	464	3	i.	i.	PROPN
ijtc-1512	464	4	(	(	PUNCT
ijtc-1512	464	5	n.d	n.d	PROPN
ijtc-1512	464	6	.	.	PROPN
ijtc-1512	464	7	)	)	PUNCT
ijtc-1512	464	8	.	.	PUNCT
ijtc-1512	465	1	the	the	DET
ijtc-1512	465	2	electronic	electronic	ADJ
ijtc-1512	465	3	payment	payment	NOUN
ijtc-1512	465	4	systems	system	NOUN
ijtc-1512	465	5	in	in	ADP
ijtc-1512	465	6	a	a	DET
ijtc-1512	465	7	developing	develop	VERB
ijtc-1512	465	8	economy	economy	NOUN
ijtc-1512	465	9	with	with	ADP
ijtc-1512	465	10	reference	reference	NOUN
ijtc-1512	465	11	to	to	ADP
ijtc-1512	465	12	guyana	guyana	PROPN
ijtc-1512	465	13	.	.	PUNCT
ijtc-1512	466	1	academia.edu	academia.edu	NOUN
ijtc-1512	466	2	.	.	PUNCT
ijtc-1512	466	3	https://www.academia.edu	https://www.academia.edu	X
ijtc-1512	467	1	khan	khan	PROPN
ijtc-1512	467	2	,	,	PUNCT
ijtc-1512	467	3	m.	m.	NOUN
ijtc-1512	467	4	a.	a.	PROPN
ijtc-1512	467	5	,	,	PUNCT
ijtc-1512	467	6	máté	máté	PROPN
ijtc-1512	467	7	,	,	PUNCT
ijtc-1512	467	8	d.	d.	PROPN
ijtc-1512	467	9	,	,	PUNCT
ijtc-1512	467	10	abdulahi	abdulahi	ADV
ijtc-1512	467	11	,	,	PUNCT
ijtc-1512	467	12	m.	m.	PROPN
ijtc-1512	467	13	e.	e.	PROPN
ijtc-1512	467	14	,	,	PUNCT
ijtc-1512	467	15	sadaf	sadaf	NOUN
ijtc-1512	467	16	,	,	PUNCT
ijtc-1512	467	17	r.	r.	PROPN
ijtc-1512	467	18	,	,	PUNCT
ijtc-1512	467	19	khan	khan	PROPN
ijtc-1512	467	20	,	,	PUNCT
ijtc-1512	467	21	m.	m.	NOUN
ijtc-1512	467	22	a.	a.	PROPN
ijtc-1512	467	23	,	,	PUNCT
ijtc-1512	467	24	popp	popp	PROPN
ijtc-1512	467	25	,	,	PUNCT
ijtc-1512	467	26	j.	j.	PROPN
ijtc-1512	467	27	,	,	PUNCT
ijtc-1512	467	28	&	&	CCONJ
ijtc-1512	467	29	oláh	oláh	PROPN
ijtc-1512	467	30	,	,	PUNCT
ijtc-1512	467	31	j.	j.	PROPN
ijtc-1512	467	32	(	(	PUNCT
ijtc-1512	467	33	2024	2024	NUM
ijtc-1512	467	34	)	)	PUNCT
ijtc-1512	467	35	.	.	PUNCT
ijtc-1512	468	1	do	do	VERB
ijtc-1512	468	2	institutional	institutional	ADJ
ijtc-1512	468	3	quality	quality	NOUN
ijtc-1512	468	4	,	,	PUNCT
ijtc-1512	468	5	innovation	innovation	NOUN
ijtc-1512	468	6	,	,	PUNCT
ijtc-1512	468	7	and	and	CCONJ
ijtc-1512	468	8	technologies	technology	NOUN
ijtc-1512	468	9	promote	promote	VERB
ijtc-1512	468	10	financial	financial	ADJ
ijtc-1512	468	11	market	market	NOUN
ijtc-1512	468	12	development	development	NOUN
ijtc-1512	468	13	?	?	PUNCT
ijtc-1512	469	1	european	european	ADJ
ijtc-1512	469	2	journal	journal	PROPN
ijtc-1512	469	3	of	of	ADP
ijtc-1512	469	4	international	international	ADJ
ijtc-1512	469	5	management	management	NOUN
ijtc-1512	469	6	,	,	PUNCT
ijtc-1512	469	7	22(3	22(3	NUM
ijtc-1512	469	8	)	)	PUNCT
ijtc-1512	469	9	,	,	PUNCT
ijtc-1512	469	10	484–507	484–507	NUM
ijtc-1512	469	11	.	.	PUNCT
ijtc-1512	469	12	https://www.researchgate.net	https://www.researchgate.net	PROPN
ijtc-1512	470	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	470	2	https://www.cgdev.org/	https://www.cgdev.org/	VERB
ijtc-1512	470	3	https://www.scielo.org.za/	https://www.scielo.org.za/	PROPN
ijtc-1512	470	4	https://www.mdpi.com/	https://www.mdpi.com/	NOUN
ijtc-1512	470	5	https://www.unc.edu/	https://www.unc.edu/	ADJ
ijtc-1512	470	6	https://www.lppmunsera.org/	https://www.lppmunsera.org/	PROPN
ijtc-1512	470	7	https://www.wiley.com/	https://www.wiley.com/	NOUN
ijtc-1512	470	8	https://www.wiley.com/	https://www.wiley.com/	NOUN
ijtc-1512	470	9	https://www.sagepub.com/	https://www.sagepub.com/	NOUN
ijtc-1512	470	10	https://www.academia.edu/	https://www.academia.edu/	X
ijtc-1512	470	11	https://www.researchgate.net/	https://www.researchgate.net/	NOUN
ijtc-1512	470	12	examining	examine	VERB
ijtc-1512	470	13	the	the	DET
ijtc-1512	470	14	management	management	NOUN
ijtc-1512	470	15	impact	impact	NOUN
ijtc-1512	470	16	:	:	PUNCT
ijtc-1512	470	17	a	a	DET
ijtc-1512	470	18	literature	literature	NOUN
ijtc-1512	470	19	review	review	NOUN
ijtc-1512	470	20	on	on	ADP
ijtc-1512	470	21	the	the	DET
ijtc-1512	470	22	phasing	phasing	NOUN
ijtc-1512	470	23	out	out	ADP
ijtc-1512	470	24	of	of	ADP
ijtc-1512	470	25	cheques	cheque	NOUN
ijtc-1512	470	26	in	in	ADP
ijtc-1512	470	27	south	south	PROPN
ijtc-1512	470	28	africa	africa	PROPN
ijtc-1512	470	29	abrahams	abrahams	PROPN
ijtc-1512	470	30	and	and	CCONJ
ijtc-1512	470	31	pretorius	pretorius	NOUN
ijtc-1512	470	32	19	19	NUM
ijtc-1512	470	33	|	|	ADV
ijtc-1512	470	34	ilomata	ilomata	PROPN
ijtc-1512	470	35	international	international	ADJ
ijtc-1512	470	36	journal	journal	NOUN
ijtc-1512	470	37	of	of	ADP
ijtc-1512	470	38	tax	tax	PROPN
ijtc-1512	470	39	&	&	CCONJ
ijtc-1512	470	40	accounting	accounting	PROPN
ijtc-1512	470	41	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	470	42	khoase	khoase	NOUN
ijtc-1512	470	43	,	,	PUNCT
ijtc-1512	470	44	r.	r.	PROPN
ijtc-1512	470	45	g.	g.	PROPN
ijtc-1512	470	46	,	,	PUNCT
ijtc-1512	470	47	derera	derera	PROPN
ijtc-1512	470	48	,	,	PUNCT
ijtc-1512	470	49	e.	e.	PROPN
ijtc-1512	470	50	,	,	PUNCT
ijtc-1512	470	51	mcarthur	mcarthur	PROPN
ijtc-1512	470	52	,	,	PUNCT
ijtc-1512	470	53	b.	b.	PROPN
ijtc-1512	470	54	,	,	PUNCT
ijtc-1512	470	55	&	&	CCONJ
ijtc-1512	470	56	ndayizigamiye	ndayizigamiye	PROPN
ijtc-1512	470	57	,	,	PUNCT
ijtc-1512	470	58	p.	p.	NOUN
ijtc-1512	470	59	(	(	PUNCT
ijtc-1512	470	60	2020	2020	NUM
ijtc-1512	470	61	)	)	PUNCT
ijtc-1512	470	62	.	.	PUNCT
ijtc-1512	471	1	barriers	barrier	NOUN
ijtc-1512	471	2	to	to	PART
ijtc-1512	471	3	start	start	VERB
ijtc-1512	471	4	-	-	PUNCT
ijtc-1512	471	5	up	up	NOUN
ijtc-1512	471	6	and	and	CCONJ
ijtc-1512	471	7	sustainable	sustainable	ADJ
ijtc-1512	471	8	growth	growth	NOUN
ijtc-1512	471	9	of	of	ADP
ijtc-1512	471	10	smmes	smme	NOUN
ijtc-1512	471	11	:	:	PUNCT
ijtc-1512	471	12	a	a	DET
ijtc-1512	471	13	comparative	comparative	ADJ
ijtc-1512	471	14	study	study	NOUN
ijtc-1512	471	15	between	between	ADP
ijtc-1512	471	16	south	south	PROPN
ijtc-1512	471	17	africa	africa	PROPN
ijtc-1512	471	18	and	and	CCONJ
ijtc-1512	471	19	lesotho	lesotho	PROPN
ijtc-1512	471	20	.	.	PUNCT
ijtc-1512	472	1	african	african	ADJ
ijtc-1512	472	2	journal	journal	PROPN
ijtc-1512	472	3	of	of	ADP
ijtc-1512	472	4	business	business	NOUN
ijtc-1512	472	5	and	and	CCONJ
ijtc-1512	472	6	economic	economic	ADJ
ijtc-1512	472	7	research	research	NOUN
ijtc-1512	472	8	,	,	PUNCT
ijtc-1512	472	9	15(2	15(2	NUM
ijtc-1512	472	10	)	)	PUNCT
ijtc-1512	472	11	,	,	PUNCT
ijtc-1512	472	12	135–155	135–155	NUM
ijtc-1512	472	13	.	.	PUNCT
ijtc-1512	473	1	kinns	kinns	PROPN
ijtc-1512	473	2	,	,	PUNCT
ijtc-1512	473	3	r.	r.	PROPN
ijtc-1512	473	4	(	(	PUNCT
ijtc-1512	473	5	2021	2021	NUM
ijtc-1512	473	6	)	)	PUNCT
ijtc-1512	473	7	.	.	PUNCT
ijtc-1512	474	1	time	time	NOUN
ijtc-1512	474	2	signals	signal	NOUN
ijtc-1512	474	3	for	for	ADP
ijtc-1512	474	4	mariners	mariner	NOUN
ijtc-1512	474	5	in	in	ADP
ijtc-1512	474	6	south	south	PROPN
ijtc-1512	474	7	africa	africa	PROPN
ijtc-1512	474	8	.	.	PUNCT
ijtc-1512	475	1	journal	journal	PROPN
ijtc-1512	475	2	of	of	ADP
ijtc-1512	475	3	astronomical	astronomical	ADJ
ijtc-1512	475	4	history	history	NOUN
ijtc-1512	475	5	and	and	CCONJ
ijtc-1512	475	6	heritage	heritage	NOUN
ijtc-1512	475	7	.	.	PUNCT
ijtc-1512	475	8	https://www.harvard.edu	https://www.harvard.edu	PUNCT
ijtc-1512	476	1	klein	klein	PROPN
ijtc-1512	476	2	,	,	PUNCT
ijtc-1512	476	3	a.	a.	PROPN
ijtc-1512	476	4	(	(	PUNCT
ijtc-1512	476	5	n.d	n.d	PROPN
ijtc-1512	476	6	.	.	PROPN
ijtc-1512	476	7	)	)	PUNCT
ijtc-1512	476	8	.	.	PUNCT
ijtc-1512	477	1	china	china	PROPN
ijtc-1512	477	2	's	's	PART
ijtc-1512	477	3	digital	digital	ADJ
ijtc-1512	477	4	payments	payment	NOUN
ijtc-1512	477	5	revolution	revolution	NOUN
ijtc-1512	477	6	.	.	PUNCT
ijtc-1512	478	1	brookings	brookings	PROPN
ijtc-1512	478	2	institution	institution	PROPN
ijtc-1512	478	3	.	.	PUNCT
ijtc-1512	478	4	https://www.brookings.edu	https://www.brookings.edu	X
ijtc-1512	479	1	kollamparambil	kollamparambil	PROPN
ijtc-1512	479	2	,	,	PUNCT
ijtc-1512	479	3	u.	u.	PROPN
ijtc-1512	479	4	,	,	PUNCT
ijtc-1512	479	5	&	&	CCONJ
ijtc-1512	479	6	oyenubi	oyenubi	PROPN
ijtc-1512	479	7	,	,	PUNCT
ijtc-1512	479	8	a.	a.	NOUN
ijtc-1512	479	9	(	(	PUNCT
ijtc-1512	479	10	2021	2021	NUM
ijtc-1512	479	11	)	)	PUNCT
ijtc-1512	479	12	.	.	PUNCT
ijtc-1512	480	1	behavioural	behavioural	ADJ
ijtc-1512	480	2	response	response	NOUN
ijtc-1512	480	3	to	to	ADP
ijtc-1512	480	4	the	the	DET
ijtc-1512	480	5	covid-19	covid-19	PROPN
ijtc-1512	480	6	pandemic	pandemic	NOUN
ijtc-1512	480	7	in	in	ADP
ijtc-1512	480	8	south	south	PROPN
ijtc-1512	480	9	africa	africa	PROPN
ijtc-1512	480	10	.	.	PUNCT
ijtc-1512	481	1	plos	plos	PROPN
ijtc-1512	481	2	one	one	NUM
ijtc-1512	481	3	.	.	PUNCT
ijtc-1512	482	1	https://www.plos.org	https://www.plos.org	X
ijtc-1512	483	1	kongsamut	kongsamut	VERB
ijtc-1512	483	2	,	,	PUNCT
ijtc-1512	483	3	p.	p.	PROPN
ijtc-1512	483	4	,	,	PUNCT
ijtc-1512	483	5	monaghan	monaghan	PROPN
ijtc-1512	483	6	,	,	PUNCT
ijtc-1512	483	7	d.	d.	PROPN
ijtc-1512	483	8	,	,	PUNCT
ijtc-1512	483	9	&	&	CCONJ
ijtc-1512	483	10	riedweg	riedweg	PROPN
ijtc-1512	483	11	,	,	PUNCT
ijtc-1512	483	12	l.	l.	PROPN
ijtc-1512	483	13	(	(	PUNCT
ijtc-1512	483	14	2021	2021	NUM
ijtc-1512	483	15	)	)	PUNCT
ijtc-1512	483	16	.	.	PUNCT
ijtc-1512	484	1	unwinding	unwind	VERB
ijtc-1512	484	2	covid-19	covid-19	PROPN
ijtc-1512	484	3	policy	policy	NOUN
ijtc-1512	484	4	interventions	intervention	NOUN
ijtc-1512	484	5	for	for	ADP
ijtc-1512	484	6	banking	banking	NOUN
ijtc-1512	484	7	systems	system	NOUN
ijtc-1512	484	8	.	.	PUNCT
ijtc-1512	485	1	monetary	monetary	ADJ
ijtc-1512	485	2	and	and	CCONJ
ijtc-1512	485	3	capital	capital	NOUN
ijtc-1512	485	4	markets	market	NOUN
ijtc-1512	485	5	department	department	PROPN
ijtc-1512	485	6	special	special	ADJ
ijtc-1512	485	7	series	series	NOUN
ijtc-1512	485	8	on	on	ADP
ijtc-1512	485	9	covid-19	covid-19	PROPN
ijtc-1512	485	10	.	.	PUNCT
ijtc-1512	486	1	international	international	ADJ
ijtc-1512	486	2	monetary	monetary	ADJ
ijtc-1512	486	3	fund	fund	PROPN
ijtc-1512	486	4	,	,	PUNCT
ijtc-1512	486	5	washington	washington	PROPN
ijtc-1512	486	6	dc	dc	PROPN
ijtc-1512	486	7	.	.	PUNCT
ijtc-1512	487	1	https://www.imf.org	https://www.imf.org	PROPN
ijtc-1512	487	2	kronick	kronick	PROPN
ijtc-1512	487	3	,	,	PUNCT
ijtc-1512	487	4	j.	j.	PROPN
ijtc-1512	487	5	m.	m.	PROPN
ijtc-1512	487	6	,	,	PUNCT
ijtc-1512	487	7	&	&	CCONJ
ijtc-1512	487	8	koeppl	koeppl	PROPN
ijtc-1512	487	9	,	,	PUNCT
ijtc-1512	487	10	t.	t.	PROPN
ijtc-1512	487	11	(	(	PUNCT
ijtc-1512	487	12	2023	2023	NUM
ijtc-1512	487	13	)	)	PUNCT
ijtc-1512	487	14	.	.	PUNCT
ijtc-1512	488	1	the	the	DET
ijtc-1512	488	2	need	need	NOUN
ijtc-1512	488	3	for	for	ADP
ijtc-1512	488	4	speed	speed	NOUN
ijtc-1512	488	5	:	:	PUNCT
ijtc-1512	488	6	the	the	DET
ijtc-1512	488	7	benefits	benefit	NOUN
ijtc-1512	488	8	of	of	ADP
ijtc-1512	488	9	faster	fast	ADJ
ijtc-1512	488	10	payments	payment	NOUN
ijtc-1512	488	11	and	and	CCONJ
ijtc-1512	488	12	how	how	SCONJ
ijtc-1512	488	13	to	to	PART
ijtc-1512	488	14	achieve	achieve	VERB
ijtc-1512	488	15	them	they	PRON
ijtc-1512	488	16	.	.	PUNCT
ijtc-1512	489	1	commentary	commentary	NOUN
ijtc-1512	489	2	-	-	PUNCT
ijtc-1512	489	3	cd	cd	PROPN
ijtc-1512	489	4	howe	howe	PROPN
ijtc-1512	489	5	institute	institute	PROPN
ijtc-1512	489	6	.	.	PUNCT
ijtc-1512	490	1	laing	laing	PROPN
ijtc-1512	490	2	,	,	PUNCT
ijtc-1512	490	3	h.	h.	PROPN
ijtc-1512	490	4	c.	c.	PROPN
ijtc-1512	490	5	(	(	PUNCT
ijtc-1512	490	6	2021	2021	NUM
ijtc-1512	490	7	)	)	PUNCT
ijtc-1512	490	8	.	.	PUNCT
ijtc-1512	491	1	the	the	DET
ijtc-1512	491	2	efficacy	efficacy	NOUN
ijtc-1512	491	3	of	of	ADP
ijtc-1512	491	4	the	the	DET
ijtc-1512	491	5	enforcement	enforcement	NOUN
ijtc-1512	491	6	mechanisms	mechanism	NOUN
ijtc-1512	491	7	provided	provide	VERB
ijtc-1512	491	8	for	for	ADP
ijtc-1512	491	9	in	in	ADP
ijtc-1512	491	10	terms	term	NOUN
ijtc-1512	491	11	of	of	ADP
ijtc-1512	491	12	the	the	DET
ijtc-1512	491	13	consumer	consumer	NOUN
ijtc-1512	491	14	protection	protection	NOUN
ijtc-1512	491	15	act	act	NOUN
ijtc-1512	491	16	68	68	NUM
ijtc-1512	491	17	of	of	ADP
ijtc-1512	491	18	2008	2008	NUM
ijtc-1512	491	19	.	.	PUNCT
ijtc-1512	492	1	https://www.uct.ac.za	https://www.uct.ac.za	ADJ
ijtc-1512	492	2	levy	levy	NOUN
ijtc-1512	492	3	,	,	PUNCT
ijtc-1512	492	4	b.	b.	PROPN
ijtc-1512	492	5	,	,	PUNCT
ijtc-1512	492	6	hirsch	hirsch	PROPN
ijtc-1512	492	7	,	,	PUNCT
ijtc-1512	492	8	a.	a.	PROPN
ijtc-1512	492	9	,	,	PUNCT
ijtc-1512	492	10	naidoo	naidoo	PROPN
ijtc-1512	492	11	,	,	PUNCT
ijtc-1512	492	12	v.	v.	PROPN
ijtc-1512	492	13	,	,	PUNCT
ijtc-1512	492	14	&	&	CCONJ
ijtc-1512	492	15	nxele	nxele	PROPN
ijtc-1512	492	16	,	,	PUNCT
ijtc-1512	492	17	m.	m.	NOUN
ijtc-1512	492	18	(	(	PUNCT
ijtc-1512	492	19	2021	2021	NUM
ijtc-1512	492	20	)	)	PUNCT
ijtc-1512	492	21	.	.	PUNCT
ijtc-1512	493	1	south	south	PROPN
ijtc-1512	493	2	africa	africa	PROPN
ijtc-1512	493	3	:	:	PUNCT
ijtc-1512	493	4	when	when	SCONJ
ijtc-1512	493	5	strong	strong	ADJ
ijtc-1512	493	6	institutions	institution	NOUN
ijtc-1512	493	7	and	and	CCONJ
ijtc-1512	493	8	massive	massive	ADJ
ijtc-1512	493	9	inequalities	inequality	NOUN
ijtc-1512	493	10	collide	collide	VERB
ijtc-1512	493	11	.	.	PUNCT
ijtc-1512	494	1	carnegie	carnegie	NOUN
ijtc-1512	494	2	endowment	endowment	PROPN
ijtc-1512	494	3	for	for	ADP
ijtc-1512	494	4	international	international	ADJ
ijtc-1512	494	5	peace	peace	NOUN
ijtc-1512	494	6	.	.	PUNCT
ijtc-1512	495	1	https://www.carnegieendowment.org	https://www.carnegieendowment.org	X
ijtc-1512	495	2	li	li	PROPN
ijtc-1512	495	3	,	,	PUNCT
ijtc-1512	495	4	l.	l.	PROPN
ijtc-1512	495	5	(	(	PUNCT
ijtc-1512	495	6	2022	2022	NUM
ijtc-1512	495	7	)	)	PUNCT
ijtc-1512	495	8	.	.	PUNCT
ijtc-1512	496	1	reskilling	reskille	VERB
ijtc-1512	496	2	and	and	CCONJ
ijtc-1512	496	3	upskilling	upskille	VERB
ijtc-1512	496	4	the	the	DET
ijtc-1512	496	5	future	future	ADJ
ijtc-1512	496	6	-	-	PUNCT
ijtc-1512	496	7	ready	ready	ADJ
ijtc-1512	496	8	workforce	workforce	NOUN
ijtc-1512	496	9	for	for	ADP
ijtc-1512	496	10	industry	industry	NOUN
ijtc-1512	496	11	4.0	4.0	NUM
ijtc-1512	496	12	and	and	CCONJ
ijtc-1512	496	13	beyond	beyond	ADP
ijtc-1512	496	14	.	.	PUNCT
ijtc-1512	497	1	information	information	NOUN
ijtc-1512	497	2	systems	system	NOUN
ijtc-1512	497	3	frontiers	frontier	NOUN
ijtc-1512	497	4	.	.	PUNCT
ijtc-1512	498	1	https://www.springer.com	https://www.springer.com	X
ijtc-1512	498	2	loewald	loewald	PROPN
ijtc-1512	498	3	,	,	PUNCT
ijtc-1512	498	4	c.	c.	PROPN
ijtc-1512	498	5	,	,	PUNCT
ijtc-1512	498	6	makrelov	makrelov	PROPN
ijtc-1512	498	7	,	,	PUNCT
ijtc-1512	498	8	k.	k.	PROPN
ijtc-1512	498	9	,	,	PUNCT
ijtc-1512	498	10	&	&	CCONJ
ijtc-1512	498	11	pirozhkova	pirozhkova	PROPN
ijtc-1512	498	12	,	,	PUNCT
ijtc-1512	498	13	e.	e.	PROPN
ijtc-1512	498	14	(	(	PUNCT
ijtc-1512	498	15	2022	2022	NUM
ijtc-1512	498	16	)	)	PUNCT
ijtc-1512	498	17	.	.	PUNCT
ijtc-1512	499	1	the	the	DET
ijtc-1512	499	2	short	short	ADJ
ijtc-1512	499	3	-	-	PUNCT
ijtc-1512	499	4	term	term	NOUN
ijtc-1512	499	5	costs	cost	NOUN
ijtc-1512	499	6	of	of	ADP
ijtc-1512	499	7	reducing	reduce	VERB
ijtc-1512	499	8	trend	trend	NOUN
ijtc-1512	499	9	inflation	inflation	NOUN
ijtc-1512	499	10	in	in	ADP
ijtc-1512	499	11	south	south	PROPN
ijtc-1512	499	12	africa	africa	PROPN
ijtc-1512	499	13	.	.	PUNCT
ijtc-1512	500	1	https://www.researchgate.net	https://www.researchgate.net	PROPN
ijtc-1512	500	2	ma	ma	PROPN
ijtc-1512	500	3	,	,	PUNCT
ijtc-1512	500	4	q.	q.	PROPN
ijtc-1512	500	5	,	,	PUNCT
ijtc-1512	500	6	tariq	tariq	PROPN
ijtc-1512	500	7	,	,	PUNCT
ijtc-1512	500	8	m.	m.	NOUN
ijtc-1512	500	9	,	,	PUNCT
ijtc-1512	500	10	mahmood	mahmood	PROPN
ijtc-1512	500	11	,	,	PUNCT
ijtc-1512	500	12	h.	h.	PROPN
ijtc-1512	500	13	,	,	PUNCT
ijtc-1512	500	14	&	&	CCONJ
ijtc-1512	500	15	khan	khan	PROPN
ijtc-1512	500	16	,	,	PUNCT
ijtc-1512	500	17	z.	z.	PROPN
ijtc-1512	500	18	(	(	PUNCT
ijtc-1512	500	19	2022	2022	NUM
ijtc-1512	500	20	)	)	PUNCT
ijtc-1512	500	21	.	.	PUNCT
ijtc-1512	501	1	the	the	DET
ijtc-1512	501	2	nexus	nexus	NOUN
ijtc-1512	501	3	between	between	ADP
ijtc-1512	501	4	digital	digital	ADJ
ijtc-1512	501	5	economy	economy	NOUN
ijtc-1512	501	6	and	and	CCONJ
ijtc-1512	501	7	carbon	carbon	NOUN
ijtc-1512	501	8	dioxide	dioxide	NOUN
ijtc-1512	501	9	emissions	emission	NOUN
ijtc-1512	501	10	in	in	ADP
ijtc-1512	501	11	china	china	PROPN
ijtc-1512	501	12	:	:	PUNCT
ijtc-1512	501	13	the	the	DET
ijtc-1512	501	14	moderating	moderate	VERB
ijtc-1512	501	15	role	role	NOUN
ijtc-1512	501	16	of	of	ADP
ijtc-1512	501	17	investments	investment	NOUN
ijtc-1512	501	18	in	in	ADP
ijtc-1512	501	19	research	research	NOUN
ijtc-1512	501	20	and	and	CCONJ
ijtc-1512	501	21	development	development	NOUN
ijtc-1512	501	22	.	.	PUNCT
ijtc-1512	502	1	technology	technology	NOUN
ijtc-1512	502	2	in	in	ADP
ijtc-1512	502	3	society	society	NOUN
ijtc-1512	502	4	.	.	PUNCT
ijtc-1512	503	1	mabin	mabin	NOUN
ijtc-1512	503	2	,	,	PUNCT
ijtc-1512	503	3	a.	a.	NOUN
ijtc-1512	503	4	(	(	PUNCT
ijtc-1512	503	5	2020	2020	NUM
ijtc-1512	503	6	)	)	PUNCT
ijtc-1512	503	7	.	.	PUNCT
ijtc-1512	504	1	a	a	DET
ijtc-1512	504	2	century	century	NOUN
ijtc-1512	504	3	of	of	ADP
ijtc-1512	504	4	south	south	ADJ
ijtc-1512	504	5	african	african	ADJ
ijtc-1512	504	6	housing	housing	NOUN
ijtc-1512	504	7	acts	act	NOUN
ijtc-1512	504	8	1920–2020	1920–2020	NUM
ijtc-1512	504	9	.	.	PUNCT
ijtc-1512	505	1	urban	urban	PROPN
ijtc-1512	505	2	forum	forum	PROPN
ijtc-1512	505	3	.	.	PUNCT
ijtc-1512	506	1	https://www.springer.com	https://www.springer.com	X
ijtc-1512	506	2	maghsoudi	maghsoudi	PROPN
ijtc-1512	506	3	,	,	PUNCT
ijtc-1512	506	4	a.	a.	NOUN
ijtc-1512	506	5	,	,	PUNCT
ijtc-1512	506	6	harpring	harpring	NOUN
ijtc-1512	506	7	,	,	PUNCT
ijtc-1512	506	8	r.	r.	PROPN
ijtc-1512	506	9	,	,	PUNCT
ijtc-1512	506	10	piotrowicz	piotrowicz	PROPN
ijtc-1512	506	11	,	,	PUNCT
ijtc-1512	506	12	w.	w.	PROPN
ijtc-1512	506	13	d.	d.	PROPN
ijtc-1512	506	14	,	,	PUNCT
ijtc-1512	506	15	&	&	CCONJ
ijtc-1512	506	16	kedziora	kedziora	PROPN
ijtc-1512	506	17	,	,	PUNCT
ijtc-1512	506	18	d.	d.	PROPN
ijtc-1512	506	19	(	(	PUNCT
ijtc-1512	506	20	2023	2023	NUM
ijtc-1512	506	21	)	)	PUNCT
ijtc-1512	506	22	.	.	PUNCT
ijtc-1512	507	1	digital	digital	ADJ
ijtc-1512	507	2	technologies	technology	NOUN
ijtc-1512	507	3	for	for	ADP
ijtc-1512	507	4	cash	cash	NOUN
ijtc-1512	507	5	and	and	CCONJ
ijtc-1512	507	6	voucher	voucher	ADJ
ijtc-1512	507	7	assistance	assistance	NOUN
ijtc-1512	507	8	in	in	ADP
ijtc-1512	507	9	disasters	disaster	NOUN
ijtc-1512	507	10	:	:	PUNCT
ijtc-1512	507	11	a	a	DET
ijtc-1512	507	12	cross	cross	ADJ
ijtc-1512	507	13	-	-	ADJ
ijtc-1512	507	14	case	case	NOUN
ijtc-1512	507	15	analysis	analysis	NOUN
ijtc-1512	507	16	of	of	ADP
ijtc-1512	507	17	benefits	benefit	NOUN
ijtc-1512	507	18	and	and	CCONJ
ijtc-1512	507	19	risks	risk	NOUN
ijtc-1512	507	20	.	.	PUNCT
ijtc-1512	508	1	international	international	ADJ
ijtc-1512	508	2	journal	journal	NOUN
ijtc-1512	508	3	of	of	ADP
ijtc-1512	508	4	disaster	disaster	NOUN
ijtc-1512	508	5	risk	risk	NOUN
ijtc-1512	508	6	reduction	reduction	NOUN
ijtc-1512	508	7	,	,	PUNCT
ijtc-1512	508	8	96	96	NUM
ijtc-1512	508	9	,	,	PUNCT
ijtc-1512	508	10	article	article	NOUN
ijtc-1512	508	11	103827	103827	NUM
ijtc-1512	508	12	.	.	PUNCT
ijtc-1512	509	1	https://www.sciencedirect.com	https://www.sciencedirect.com	X
ijtc-1512	510	1	mahakittikun	mahakittikun	PROPN
ijtc-1512	510	2	,	,	PUNCT
ijtc-1512	510	3	t.	t.	PROPN
ijtc-1512	510	4	(	(	PUNCT
ijtc-1512	510	5	2020	2020	NUM
ijtc-1512	510	6	)	)	PUNCT
ijtc-1512	510	7	.	.	PUNCT
ijtc-1512	511	1	mobile	mobile	ADJ
ijtc-1512	511	2	payment	payment	NOUN
ijtc-1512	511	3	and	and	CCONJ
ijtc-1512	511	4	firm	firm	ADJ
ijtc-1512	511	5	performance	performance	NOUN
ijtc-1512	511	6	:	:	PUNCT
ijtc-1512	511	7	from	from	ADP
ijtc-1512	511	8	the	the	DET
ijtc-1512	511	9	perspective	perspective	NOUN
ijtc-1512	511	10	of	of	ADP
ijtc-1512	511	11	retail	retail	ADJ
ijtc-1512	511	12	and	and	CCONJ
ijtc-1512	511	13	service	service	NOUN
ijtc-1512	511	14	sectors	sector	NOUN
ijtc-1512	511	15	.	.	PUNCT
ijtc-1512	512	1	https://www.nida.ac.th	https://www.nida.ac.th	PROPN
ijtc-1512	512	2	mamudu	mamudu	PROPN
ijtc-1512	512	3	,	,	PUNCT
ijtc-1512	512	4	z.	z.	PROPN
ijtc-1512	512	5	u.	u.	PROPN
ijtc-1512	512	6	(	(	PUNCT
ijtc-1512	512	7	2021	2021	NUM
ijtc-1512	512	8	)	)	PUNCT
ijtc-1512	512	9	.	.	PUNCT
ijtc-1512	513	1	electronic	electronic	ADJ
ijtc-1512	513	2	banking	banking	NOUN
ijtc-1512	513	3	payment	payment	NOUN
ijtc-1512	513	4	system	system	NOUN
ijtc-1512	513	5	and	and	CCONJ
ijtc-1512	513	6	its	its	PRON
ijtc-1512	513	7	impact	impact	NOUN
ijtc-1512	513	8	on	on	ADP
ijtc-1512	513	9	the	the	DET
ijtc-1512	513	10	nigerian	nigerian	ADJ
ijtc-1512	513	11	economy	economy	NOUN
ijtc-1512	513	12	.	.	PUNCT
ijtc-1512	514	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	514	2	https://www.harvard.edu/	https://www.harvard.edu/	VERB
ijtc-1512	514	3	https://www.brookings.edu/	https://www.brookings.edu/	X
ijtc-1512	514	4	https://www.plos.org/	https://www.plos.org/	PROPN
ijtc-1512	515	1	https://www.imf.org/	https://www.imf.org/	ADJ
ijtc-1512	515	2	https://www.uct.ac.za/	https://www.uct.ac.za/	PROPN
ijtc-1512	515	3	https://www.carnegieendowment.org/	https://www.carnegieendowment.org/	PROPN
ijtc-1512	515	4	https://www.springer.com/	https://www.springer.com/	PROPN
ijtc-1512	515	5	https://www.researchgate.net/	https://www.researchgate.net/	PROPN
ijtc-1512	515	6	https://www.springer.com/	https://www.springer.com/	PROPN
ijtc-1512	515	7	https://www.sciencedirect.com/	https://www.sciencedirect.com/	PROPN
ijtc-1512	515	8	https://www.nida.ac.th/	https://www.nida.ac.th/	PROPN
ijtc-1512	515	9	examining	examine	VERB
ijtc-1512	515	10	the	the	DET
ijtc-1512	515	11	management	management	NOUN
ijtc-1512	515	12	impact	impact	NOUN
ijtc-1512	515	13	:	:	PUNCT
ijtc-1512	515	14	a	a	DET
ijtc-1512	515	15	literature	literature	NOUN
ijtc-1512	515	16	review	review	NOUN
ijtc-1512	515	17	on	on	ADP
ijtc-1512	515	18	the	the	DET
ijtc-1512	515	19	phasing	phasing	NOUN
ijtc-1512	515	20	out	out	ADP
ijtc-1512	515	21	of	of	ADP
ijtc-1512	515	22	cheques	cheque	NOUN
ijtc-1512	515	23	in	in	ADP
ijtc-1512	515	24	south	south	PROPN
ijtc-1512	515	25	africa	africa	PROPN
ijtc-1512	515	26	abrahams	abrahams	PROPN
ijtc-1512	515	27	and	and	CCONJ
ijtc-1512	515	28	pretorius	pretorius	NOUN
ijtc-1512	515	29	20	20	NUM
ijtc-1512	515	30	|	|	ADV
ijtc-1512	515	31	ilomata	ilomata	PROPN
ijtc-1512	515	32	international	international	ADJ
ijtc-1512	515	33	journal	journal	NOUN
ijtc-1512	515	34	of	of	ADP
ijtc-1512	515	35	tax	tax	PROPN
ijtc-1512	515	36	&	&	CCONJ
ijtc-1512	515	37	accounting	accounting	PROPN
ijtc-1512	515	38	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	515	39	journal	journal	NOUN
ijtc-1512	515	40	of	of	ADP
ijtc-1512	515	41	emerging	emerge	VERB
ijtc-1512	515	42	trends	trend	NOUN
ijtc-1512	515	43	in	in	ADP
ijtc-1512	515	44	economics	economic	NOUN
ijtc-1512	515	45	and	and	CCONJ
ijtc-1512	515	46	management	management	NOUN
ijtc-1512	515	47	sciences	science	NOUN
ijtc-1512	515	48	,	,	PUNCT
ijtc-1512	515	49	12(1	12(1	NUM
ijtc-1512	515	50	)	)	PUNCT
ijtc-1512	515	51	,	,	PUNCT
ijtc-1512	515	52	8–26	8–26	NOUN
ijtc-1512	515	53	.	.	PUNCT
ijtc-1512	516	1	https://www.researchgate.net	https://www.researchgate.net	PROPN
ijtc-1512	516	2	mann	mann	PROPN
ijtc-1512	516	3	,	,	PUNCT
ijtc-1512	516	4	r.	r.	PROPN
ijtc-1512	516	5	j.	j.	PROPN
ijtc-1512	516	6	(	(	PUNCT
ijtc-1512	516	7	2023	2023	NUM
ijtc-1512	516	8	)	)	PUNCT
ijtc-1512	516	9	.	.	PUNCT
ijtc-1512	517	1	payment	payment	NOUN
ijtc-1512	517	2	systems	system	NOUN
ijtc-1512	517	3	and	and	CCONJ
ijtc-1512	517	4	other	other	ADJ
ijtc-1512	517	5	financial	financial	ADJ
ijtc-1512	517	6	transactions	transaction	NOUN
ijtc-1512	517	7	:	:	PUNCT
ijtc-1512	517	8	cases	case	NOUN
ijtc-1512	517	9	,	,	PUNCT
ijtc-1512	517	10	materials	material	NOUN
ijtc-1512	517	11	,	,	PUNCT
ijtc-1512	517	12	and	and	CCONJ
ijtc-1512	517	13	problems	problem	NOUN
ijtc-1512	517	14	.	.	PUNCT
ijtc-1512	518	1	maphosa	maphosa	NOUN
ijtc-1512	518	2	,	,	PUNCT
ijtc-1512	518	3	m.	m.	NOUN
ijtc-1512	518	4	(	(	PUNCT
ijtc-1512	518	5	2020	2020	NUM
ijtc-1512	518	6	)	)	PUNCT
ijtc-1512	518	7	.	.	PUNCT
ijtc-1512	519	1	lending	lend	VERB
ijtc-1512	519	2	booms	boom	NOUN
ijtc-1512	519	3	and	and	CCONJ
ijtc-1512	519	4	bank	bank	NOUN
ijtc-1512	519	5	fragility	fragility	NOUN
ijtc-1512	519	6	:	:	PUNCT
ijtc-1512	519	7	the	the	DET
ijtc-1512	519	8	south	south	ADJ
ijtc-1512	519	9	african	african	ADJ
ijtc-1512	519	10	experience	experience	NOUN
ijtc-1512	519	11	.	.	PUNCT
ijtc-1512	520	1	https://www.sun.ac.za	https://www.sun.ac.za	NOUN
ijtc-1512	520	2	marwala	marwala	PROPN
ijtc-1512	520	3	,	,	PUNCT
ijtc-1512	520	4	t.	t.	PROPN
ijtc-1512	520	5	(	(	PUNCT
ijtc-1512	520	6	2022	2022	NUM
ijtc-1512	520	7	)	)	PUNCT
ijtc-1512	520	8	.	.	PUNCT
ijtc-1512	521	1	closing	close	VERB
ijtc-1512	521	2	the	the	DET
ijtc-1512	521	3	gap	gap	NOUN
ijtc-1512	521	4	:	:	PUNCT
ijtc-1512	521	5	the	the	DET
ijtc-1512	521	6	fourth	fourth	PROPN
ijtc-1512	521	7	industrial	industrial	ADJ
ijtc-1512	521	8	revolution	revolution	NOUN
ijtc-1512	521	9	in	in	ADP
ijtc-1512	521	10	africa	africa	PROPN
ijtc-1512	521	11	.	.	PUNCT
ijtc-1512	522	1	matli	matli	PROPN
ijtc-1512	522	2	,	,	PUNCT
ijtc-1512	522	3	w.	w.	PROPN
ijtc-1512	522	4	,	,	PUNCT
ijtc-1512	522	5	&	&	CCONJ
ijtc-1512	522	6	ngoepe	ngoepe	PROPN
ijtc-1512	522	7	,	,	PUNCT
ijtc-1512	522	8	m.	m.	NOUN
ijtc-1512	522	9	(	(	PUNCT
ijtc-1512	522	10	2020	2020	NUM
ijtc-1512	522	11	)	)	PUNCT
ijtc-1512	522	12	.	.	PUNCT
ijtc-1512	523	1	capitalizing	capitalize	VERB
ijtc-1512	523	2	on	on	ADP
ijtc-1512	523	3	digital	digital	ADJ
ijtc-1512	523	4	literacy	literacy	NOUN
ijtc-1512	523	5	skills	skill	NOUN
ijtc-1512	523	6	for	for	ADP
ijtc-1512	523	7	capacity	capacity	NOUN
ijtc-1512	523	8	development	development	NOUN
ijtc-1512	523	9	of	of	ADP
ijtc-1512	523	10	people	people	NOUN
ijtc-1512	523	11	who	who	PRON
ijtc-1512	523	12	are	be	AUX
ijtc-1512	523	13	not	not	PART
ijtc-1512	523	14	in	in	ADP
ijtc-1512	523	15	education	education	NOUN
ijtc-1512	523	16	,	,	PUNCT
ijtc-1512	523	17	employment	employment	NOUN
ijtc-1512	523	18	,	,	PUNCT
ijtc-1512	523	19	or	or	CCONJ
ijtc-1512	523	20	training	training	NOUN
ijtc-1512	523	21	in	in	ADP
ijtc-1512	523	22	south	south	PROPN
ijtc-1512	523	23	africa	africa	PROPN
ijtc-1512	523	24	.	.	PUNCT
ijtc-1512	524	1	african	african	ADJ
ijtc-1512	524	2	journal	journal	PROPN
ijtc-1512	524	3	of	of	ADP
ijtc-1512	524	4	science	science	NOUN
ijtc-1512	524	5	,	,	PUNCT
ijtc-1512	524	6	technology	technology	NOUN
ijtc-1512	524	7	,	,	PUNCT
ijtc-1512	524	8	innovation	innovation	NOUN
ijtc-1512	524	9	and	and	CCONJ
ijtc-1512	524	10	development	development	NOUN
ijtc-1512	524	11	,	,	PUNCT
ijtc-1512	524	12	12(2	12(2	NUM
ijtc-1512	524	13	)	)	PUNCT
ijtc-1512	524	14	,	,	PUNCT
ijtc-1512	524	15	129–139	129–139	NUM
ijtc-1512	524	16	.	.	PUNCT
ijtc-1512	524	17	mavhuru	mavhuru	PROPN
ijtc-1512	524	18	,	,	PUNCT
ijtc-1512	524	19	l.	l.	PROPN
ijtc-1512	524	20	(	(	PUNCT
ijtc-1512	524	21	2022	2022	NUM
ijtc-1512	524	22	)	)	PUNCT
ijtc-1512	524	23	.	.	PUNCT
ijtc-1512	525	1	a	a	DET
ijtc-1512	525	2	comparative	comparative	ADJ
ijtc-1512	525	3	analysis	analysis	NOUN
ijtc-1512	525	4	of	of	ADP
ijtc-1512	525	5	the	the	DET
ijtc-1512	525	6	regulations	regulation	NOUN
ijtc-1512	525	7	governing	govern	VERB
ijtc-1512	525	8	mobile	mobile	ADJ
ijtc-1512	525	9	money	money	NOUN
ijtc-1512	525	10	services	service	NOUN
ijtc-1512	525	11	in	in	ADP
ijtc-1512	525	12	south	south	PROPN
ijtc-1512	525	13	africa	africa	PROPN
ijtc-1512	525	14	and	and	CCONJ
ijtc-1512	525	15	zimbabwe	zimbabwe	PROPN
ijtc-1512	525	16	and	and	CCONJ
ijtc-1512	525	17	their	their	PRON
ijtc-1512	525	18	impact	impact	NOUN
ijtc-1512	525	19	on	on	ADP
ijtc-1512	525	20	sustainable	sustainable	ADJ
ijtc-1512	525	21	financial	financial	ADJ
ijtc-1512	525	22	inclusion	inclusion	NOUN
ijtc-1512	525	23	.	.	PUNCT
ijtc-1512	526	1	https://www.uct.ac.za	https://www.uct.ac.za	INTJ
ijtc-1512	526	2	mazur	mazur	NOUN
ijtc-1512	526	3	,	,	PUNCT
ijtc-1512	526	4	z.	z.	PROPN
ijtc-1512	526	5	m.	m.	PROPN
ijtc-1512	526	6	(	(	PUNCT
ijtc-1512	526	7	2022	2022	NUM
ijtc-1512	526	8	)	)	PUNCT
ijtc-1512	526	9	.	.	PUNCT
ijtc-1512	527	1	the	the	DET
ijtc-1512	527	2	consumer	consumer	NOUN
ijtc-1512	527	3	lending	lending	NOUN
ijtc-1512	527	4	protection	protection	NOUN
ijtc-1512	527	5	:	:	PUNCT
ijtc-1512	527	6	how	how	SCONJ
ijtc-1512	527	7	to	to	PART
ijtc-1512	527	8	prevent	prevent	VERB
ijtc-1512	527	9	predatory	predatory	NOUN
ijtc-1512	527	10	lending	lending	NOUN
ijtc-1512	527	11	and	and	CCONJ
ijtc-1512	527	12	“	"	PUNCT
ijtc-1512	527	13	debt	debt	NOUN
ijtc-1512	527	14	slavery	slavery	NOUN
ijtc-1512	527	15	”	"	PUNCT
ijtc-1512	527	16	on	on	ADP
ijtc-1512	527	17	the	the	DET
ijtc-1512	527	18	small	small	ADJ
ijtc-1512	527	19	-	-	PUNCT
ijtc-1512	527	20	dollar	dollar	NOUN
ijtc-1512	527	21	lending	lending	NOUN
ijtc-1512	527	22	market	market	NOUN
ijtc-1512	527	23	.	.	PUNCT
ijtc-1512	528	1	finanse	finanse	NOUN
ijtc-1512	528	2	i	i	PRON
ijtc-1512	528	3	prawo	prawo	PROPN
ijtc-1512	528	4	finansowe	finansowe	PROPN
ijtc-1512	528	5	.	.	PUNCT
ijtc-1512	529	1	https://www.lodz.pl	https://www.lodz.pl	PROPN
ijtc-1512	529	2	mbah	mbah	PROPN
ijtc-1512	529	3	,	,	PUNCT
ijtc-1512	529	4	p.	p.	PROPN
ijtc-1512	529	5	c.	c.	PROPN
ijtc-1512	529	6	,	,	PUNCT
ijtc-1512	529	7	ezuwore	ezuwore	ADV
ijtc-1512	529	8	,	,	PUNCT
ijtc-1512	529	9	o.	o.	PROPN
ijtc-1512	529	10	c.	c.	PROPN
ijtc-1512	529	11	n.	n.	PROPN
ijtc-1512	529	12	,	,	PUNCT
ijtc-1512	529	13	diele	diele	PROPN
ijtc-1512	529	14	,	,	PUNCT
ijtc-1512	529	15	u.	u.	PROPN
ijtc-1512	529	16	j.	j.	PROPN
ijtc-1512	529	17	,	,	PUNCT
ijtc-1512	529	18	nwatu	nwatu	PROPN
ijtc-1512	529	19	,	,	PUNCT
ijtc-1512	529	20	e.	e.	PROPN
ijtc-1512	529	21	c.	c.	PROPN
ijtc-1512	529	22	,	,	PUNCT
ijtc-1512	529	23	okwor	okwor	PROPN
ijtc-1512	529	24	,	,	PUNCT
ijtc-1512	529	25	e.	e.	PROPN
ijtc-1512	529	26	o.	o.	PROPN
ijtc-1512	529	27	,	,	PUNCT
ijtc-1512	529	28	ebeke	ebeke	ADJ
ijtc-1512	529	29	,	,	PUNCT
ijtc-1512	529	30	o.	o.	PROPN
ijtc-1512	529	31	i.	i.	PROPN
ijtc-1512	529	32	,	,	PUNCT
ijtc-1512	529	33	iwu	iwu	PROPN
ijtc-1512	529	34	,	,	PUNCT
ijtc-1512	529	35	f.	f.	PROPN
ijtc-1512	529	36	,	,	PUNCT
ijtc-1512	529	37	&	&	CCONJ
ijtc-1512	529	38	umah	umah	PROPN
ijtc-1512	529	39	,	,	PUNCT
ijtc-1512	529	40	s.	s.	PROPN
ijtc-1512	529	41	s.	s.	PROPN
ijtc-1512	529	42	(	(	PUNCT
ijtc-1512	529	43	2021	2021	NUM
ijtc-1512	529	44	)	)	PUNCT
ijtc-1512	529	45	.	.	PUNCT
ijtc-1512	530	1	the	the	DET
ijtc-1512	530	2	effect	effect	NOUN
ijtc-1512	530	3	of	of	ADP
ijtc-1512	530	4	cashless	cashless	NOUN
ijtc-1512	530	5	policy	policy	NOUN
ijtc-1512	530	6	implementation	implementation	NOUN
ijtc-1512	530	7	and	and	CCONJ
ijtc-1512	530	8	the	the	DET
ijtc-1512	530	9	treasury	treasury	NOUN
ijtc-1512	530	10	workload	workload	NOUN
ijtc-1512	530	11	on	on	ADP
ijtc-1512	530	12	tertiary	tertiary	ADJ
ijtc-1512	530	13	institutions	institution	NOUN
ijtc-1512	530	14	in	in	ADP
ijtc-1512	530	15	south	south	PROPN
ijtc-1512	530	16	east	east	PROPN
ijtc-1512	530	17	,	,	PUNCT
ijtc-1512	530	18	nigeria	nigeria	PROPN
ijtc-1512	530	19	.	.	PUNCT
ijtc-1512	531	1	solid	solid	ADJ
ijtc-1512	531	2	state	state	NOUN
ijtc-1512	531	3	technology	technology	NOUN
ijtc-1512	531	4	,	,	PUNCT
ijtc-1512	531	5	64(2	64(2	NUM
ijtc-1512	531	6	)	)	PUNCT
ijtc-1512	531	7	,	,	PUNCT
ijtc-1512	531	8	6164–6182	6164–6182	NOUN
ijtc-1512	531	9	.	.	PUNCT
ijtc-1512	532	1	https://www.researchgate.net	https://www.researchgate.net	PROPN
ijtc-1512	532	2	megannon	megannon	PROPN
ijtc-1512	532	3	,	,	PUNCT
ijtc-1512	532	4	v.	v.	PROPN
ijtc-1512	532	5	(	(	PUNCT
ijtc-1512	532	6	2022	2022	NUM
ijtc-1512	532	7	)	)	PUNCT
ijtc-1512	532	8	.	.	PUNCT
ijtc-1512	533	1	experiences	experience	NOUN
ijtc-1512	533	2	of	of	ADP
ijtc-1512	533	3	accessing	access	VERB
ijtc-1512	533	4	the	the	DET
ijtc-1512	533	5	covid-19	covid-19	PROPN
ijtc-1512	533	6	social	social	ADJ
ijtc-1512	533	7	relief	relief	NOUN
ijtc-1512	533	8	of	of	ADP
ijtc-1512	533	9	distress	distress	NOUN
ijtc-1512	533	10	grant	grant	NOUN
ijtc-1512	533	11	in	in	ADP
ijtc-1512	533	12	south	south	PROPN
ijtc-1512	533	13	africa	africa	PROPN
ijtc-1512	533	14	.	.	PUNCT
ijtc-1512	534	1	https://www.researchgate.net	https://www.researchgate.net	PROPN
ijtc-1512	534	2	mhlanga	mhlanga	PROPN
ijtc-1512	534	3	,	,	PUNCT
ijtc-1512	534	4	d.	d.	PROPN
ijtc-1512	534	5	(	(	PUNCT
ijtc-1512	534	6	2023	2023	NUM
ijtc-1512	534	7	)	)	PUNCT
ijtc-1512	534	8	.	.	PUNCT
ijtc-1512	535	1	blockchain	blockchain	PROPN
ijtc-1512	535	2	technology	technology	PROPN
ijtc-1512	535	3	for	for	ADP
ijtc-1512	535	4	digital	digital	ADJ
ijtc-1512	535	5	financial	financial	ADJ
ijtc-1512	535	6	inclusion	inclusion	NOUN
ijtc-1512	535	7	in	in	ADP
ijtc-1512	535	8	industry	industry	NOUN
ijtc-1512	535	9	4.0	4.0	NUM
ijtc-1512	535	10	:	:	PUNCT
ijtc-1512	535	11	towards	towards	ADP
ijtc-1512	535	12	sustainable	sustainable	ADJ
ijtc-1512	535	13	development	development	NOUN
ijtc-1512	535	14	?	?	PUNCT
ijtc-1512	536	1	frontiers	frontier	NOUN
ijtc-1512	536	2	in	in	ADP
ijtc-1512	536	3	blockchain	blockchain	PROPN
ijtc-1512	536	4	.	.	PUNCT
ijtc-1512	536	5	https://www.frontiersin.org	https://www.frontiersin.org	PROPN
ijtc-1512	536	6	moonde	moonde	PROPN
ijtc-1512	536	7	,	,	PUNCT
ijtc-1512	536	8	c.	c.	NOUN
ijtc-1512	536	9	(	(	PUNCT
ijtc-1512	536	10	2023	2023	NUM
ijtc-1512	536	11	)	)	PUNCT
ijtc-1512	536	12	.	.	PUNCT
ijtc-1512	537	1	secure	secure	VERB
ijtc-1512	537	2	mobile	mobile	ADJ
ijtc-1512	537	3	payment	payment	NOUN
ijtc-1512	537	4	system	system	NOUN
ijtc-1512	537	5	based	base	VERB
ijtc-1512	537	6	on	on	ADP
ijtc-1512	537	7	blockchain	blockchain	PROPN
ijtc-1512	537	8	technology	technology	PROPN
ijtc-1512	537	9	for	for	ADP
ijtc-1512	537	10	higher	high	ADJ
ijtc-1512	537	11	learning	learning	NOUN
ijtc-1512	537	12	institutions	institution	NOUN
ijtc-1512	537	13	.	.	PUNCT
ijtc-1512	538	1	https://www.dspace.unza.zm	https://www.dspace.unza.zm	PROPN
ijtc-1512	538	2	mouna	mouna	PROPN
ijtc-1512	538	3	,	,	PUNCT
ijtc-1512	538	4	a.	a.	PROPN
ijtc-1512	538	5	,	,	PUNCT
ijtc-1512	538	6	&	&	CCONJ
ijtc-1512	538	7	jarboui	jarboui	PROPN
ijtc-1512	538	8	,	,	PUNCT
ijtc-1512	538	9	a.	a.	NOUN
ijtc-1512	538	10	(	(	PUNCT
ijtc-1512	538	11	2022	2022	NUM
ijtc-1512	538	12	)	)	PUNCT
ijtc-1512	538	13	.	.	PUNCT
ijtc-1512	539	1	understanding	understand	VERB
ijtc-1512	539	2	the	the	DET
ijtc-1512	539	3	link	link	NOUN
ijtc-1512	539	4	between	between	ADP
ijtc-1512	539	5	government	government	NOUN
ijtc-1512	539	6	cashless	cashless	NOUN
ijtc-1512	539	7	policy	policy	NOUN
ijtc-1512	539	8	,	,	PUNCT
ijtc-1512	539	9	digital	digital	ADJ
ijtc-1512	539	10	financial	financial	ADJ
ijtc-1512	539	11	services	service	NOUN
ijtc-1512	539	12	,	,	PUNCT
ijtc-1512	539	13	and	and	CCONJ
ijtc-1512	539	14	socio	socio	NOUN
ijtc-1512	539	15	-	-	ADJ
ijtc-1512	539	16	demographic	demographic	ADJ
ijtc-1512	539	17	characteristics	characteristic	NOUN
ijtc-1512	539	18	in	in	ADP
ijtc-1512	539	19	the	the	DET
ijtc-1512	539	20	mena	mena	PROPN
ijtc-1512	539	21	countries	countries	PROPN
ijtc-1512	539	22	.	.	PUNCT
ijtc-1512	540	1	international	international	ADJ
ijtc-1512	540	2	journal	journal	PROPN
ijtc-1512	540	3	of	of	ADP
ijtc-1512	540	4	sociology	sociology	NOUN
ijtc-1512	540	5	and	and	CCONJ
ijtc-1512	540	6	social	social	ADJ
ijtc-1512	540	7	policy	policy	NOUN
ijtc-1512	540	8	,	,	PUNCT
ijtc-1512	540	9	42(5/6	42(5/6	NUM
ijtc-1512	540	10	)	)	PUNCT
ijtc-1512	540	11	,	,	PUNCT
ijtc-1512	540	12	416–433	416–433	NUM
ijtc-1512	540	13	.	.	PUNCT
ijtc-1512	541	1	msomi	msomi	NOUN
ijtc-1512	541	2	,	,	PUNCT
ijtc-1512	541	3	t.	t.	PROPN
ijtc-1512	541	4	s.	s.	PROPN
ijtc-1512	541	5	,	,	PUNCT
ijtc-1512	541	6	&	&	CCONJ
ijtc-1512	541	7	olarewaju	olarewaju	ADJ
ijtc-1512	541	8	,	,	PUNCT
ijtc-1512	541	9	o.	o.	NOUN
ijtc-1512	541	10	m.	m.	NOUN
ijtc-1512	541	11	(	(	PUNCT
ijtc-1512	541	12	2021	2021	NUM
ijtc-1512	541	13	)	)	PUNCT
ijtc-1512	541	14	.	.	PUNCT
ijtc-1512	542	1	evaluation	evaluation	NOUN
ijtc-1512	542	2	of	of	ADP
ijtc-1512	542	3	access	access	NOUN
ijtc-1512	542	4	to	to	ADP
ijtc-1512	542	5	finance	finance	NOUN
ijtc-1512	542	6	,	,	PUNCT
ijtc-1512	542	7	market	market	NOUN
ijtc-1512	542	8	,	,	PUNCT
ijtc-1512	542	9	and	and	CCONJ
ijtc-1512	542	10	viability	viability	NOUN
ijtc-1512	542	11	of	of	ADP
ijtc-1512	542	12	small	small	ADJ
ijtc-1512	542	13	and	and	CCONJ
ijtc-1512	542	14	medium	medium	ADJ
ijtc-1512	542	15	-	-	PUNCT
ijtc-1512	542	16	sized	sized	ADJ
ijtc-1512	542	17	enterprises	enterprise	NOUN
ijtc-1512	542	18	in	in	ADP
ijtc-1512	542	19	south	south	PROPN
ijtc-1512	542	20	africa	africa	PROPN
ijtc-1512	542	21	.	.	PUNCT
ijtc-1512	543	1	problems	problem	NOUN
ijtc-1512	543	2	and	and	CCONJ
ijtc-1512	543	3	perspectives	perspective	NOUN
ijtc-1512	543	4	in	in	ADP
ijtc-1512	543	5	management	management	NOUN
ijtc-1512	543	6	,	,	PUNCT
ijtc-1512	543	7	19(1	19(1	NUM
ijtc-1512	543	8	)	)	PUNCT
ijtc-1512	543	9	.	.	PUNCT
ijtc-1512	544	1	https://www.dut.ac.za	https://www.dut.ac.za	NOUN
ijtc-1512	544	2	msomi	msomi	NOUN
ijtc-1512	544	3	,	,	PUNCT
ijtc-1512	544	4	t.	t.	PROPN
ijtc-1512	544	5	s.	s.	PROPN
ijtc-1512	544	6	,	,	PUNCT
ijtc-1512	544	7	&	&	CCONJ
ijtc-1512	544	8	olarewaju	olarewaju	ADJ
ijtc-1512	544	9	,	,	PUNCT
ijtc-1512	544	10	o.	o.	NOUN
ijtc-1512	544	11	m.	m.	NOUN
ijtc-1512	544	12	(	(	PUNCT
ijtc-1512	544	13	2021	2021	NUM
ijtc-1512	544	14	)	)	PUNCT
ijtc-1512	544	15	.	.	PUNCT
ijtc-1512	545	1	factors	factor	NOUN
ijtc-1512	545	2	affecting	affect	VERB
ijtc-1512	545	3	small	small	ADJ
ijtc-1512	545	4	and	and	CCONJ
ijtc-1512	545	5	medium	medium	ADJ
ijtc-1512	545	6	enterprises	enterprise	NOUN
ijtc-1512	545	7	’	'	PUNCT
ijtc-1512	545	8	financial	financial	ADJ
ijtc-1512	545	9	sustainability	sustainability	NOUN
ijtc-1512	545	10	in	in	ADP
ijtc-1512	545	11	south	south	PROPN
ijtc-1512	545	12	africa	africa	PROPN
ijtc-1512	545	13	.	.	PUNCT
ijtc-1512	546	1	african	african	ADJ
ijtc-1512	546	2	journal	journal	PROPN
ijtc-1512	546	3	of	of	ADP
ijtc-1512	546	4	inter	inter	ADJ
ijtc-1512	546	5	/	/	ADJ
ijtc-1512	546	6	multidisciplinary	multidisciplinary	ADJ
ijtc-1512	546	7	studies	study	NOUN
ijtc-1512	546	8	,	,	PUNCT
ijtc-1512	546	9	3(1	3(1	NUM
ijtc-1512	546	10	)	)	PUNCT
ijtc-1512	546	11	,	,	PUNCT
ijtc-1512	546	12	103–117	103–117	NUM
ijtc-1512	546	13	.	.	PUNCT
ijtc-1512	547	1	https://www.journals.co.za	https://www.journals.co.za	NUM
ijtc-1512	547	2	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	547	3	https://www.researchgate.net/	https://www.researchgate.net/	NOUN
ijtc-1512	547	4	https://www.sun.ac.za/	https://www.sun.ac.za/	PROPN
ijtc-1512	547	5	https://www.uct.ac.za/	https://www.uct.ac.za/	PROPN
ijtc-1512	547	6	https://www.lodz.pl/	https://www.lodz.pl/	PROPN
ijtc-1512	547	7	https://www.researchgate.net/	https://www.researchgate.net/	NOUN
ijtc-1512	547	8	https://www.researchgate.net/	https://www.researchgate.net/	X
ijtc-1512	547	9	https://www.frontiersin.org/	https://www.frontiersin.org/	NOUN
ijtc-1512	547	10	https://www.dspace.unza.zm/	https://www.dspace.unza.zm/	PROPN
ijtc-1512	548	1	https://www.dut.ac.za/	https://www.dut.ac.za/	PROPN
ijtc-1512	548	2	https://www.journals.co.za/	https://www.journals.co.za/	PROPN
ijtc-1512	548	3	examining	examine	VERB
ijtc-1512	548	4	the	the	DET
ijtc-1512	548	5	management	management	NOUN
ijtc-1512	548	6	impact	impact	NOUN
ijtc-1512	548	7	:	:	PUNCT
ijtc-1512	548	8	a	a	DET
ijtc-1512	548	9	literature	literature	NOUN
ijtc-1512	548	10	review	review	NOUN
ijtc-1512	548	11	on	on	ADP
ijtc-1512	548	12	the	the	DET
ijtc-1512	548	13	phasing	phasing	NOUN
ijtc-1512	548	14	out	out	ADP
ijtc-1512	548	15	of	of	ADP
ijtc-1512	548	16	cheques	cheque	NOUN
ijtc-1512	548	17	in	in	ADP
ijtc-1512	548	18	south	south	PROPN
ijtc-1512	548	19	africa	africa	PROPN
ijtc-1512	548	20	abrahams	abrahams	PROPN
ijtc-1512	548	21	and	and	CCONJ
ijtc-1512	548	22	pretorius	pretorius	NOUN
ijtc-1512	548	23	21	21	NUM
ijtc-1512	548	24	|	|	ADV
ijtc-1512	548	25	ilomata	ilomata	PROPN
ijtc-1512	548	26	international	international	ADJ
ijtc-1512	548	27	journal	journal	NOUN
ijtc-1512	548	28	of	of	ADP
ijtc-1512	548	29	tax	tax	PROPN
ijtc-1512	548	30	&	&	CCONJ
ijtc-1512	548	31	accounting	accounting	PROPN
ijtc-1512	548	32	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	548	33	naim	naim	NOUN
ijtc-1512	548	34	,	,	PUNCT
ijtc-1512	548	35	a.	a.	NOUN
ijtc-1512	548	36	(	(	PUNCT
ijtc-1512	548	37	2023	2023	NUM
ijtc-1512	548	38	)	)	PUNCT
ijtc-1512	548	39	.	.	PUNCT
ijtc-1512	549	1	consumer	consumer	NOUN
ijtc-1512	549	2	behavior	behavior	NOUN
ijtc-1512	549	3	in	in	ADP
ijtc-1512	549	4	marketing	marketing	NOUN
ijtc-1512	549	5	:	:	PUNCT
ijtc-1512	549	6	patterns	pattern	NOUN
ijtc-1512	549	7	,	,	PUNCT
ijtc-1512	549	8	types	type	NOUN
ijtc-1512	549	9	,	,	PUNCT
ijtc-1512	549	10	and	and	CCONJ
ijtc-1512	549	11	segmentation	segmentation	NOUN
ijtc-1512	549	12	.	.	PUNCT
ijtc-1512	550	1	european	european	PROPN
ijtc-1512	550	2	journal	journal	PROPN
ijtc-1512	550	3	of	of	ADP
ijtc-1512	550	4	economics	economic	NOUN
ijtc-1512	550	5	,	,	PUNCT
ijtc-1512	550	6	finance	finance	NOUN
ijtc-1512	550	7	and	and	CCONJ
ijtc-1512	550	8	business	business	NOUN
ijtc-1512	550	9	development	development	NOUN
ijtc-1512	550	10	,	,	PUNCT
ijtc-1512	550	11	1(1	1(1	NUM
ijtc-1512	550	12	)	)	PUNCT
ijtc-1512	550	13	,	,	PUNCT
ijtc-1512	550	14	1–18	1–18	NUM
ijtc-1512	550	15	.	.	PUNCT
ijtc-1512	551	1	https://www.europeanscience.org	https://www.europeanscience.org	PROPN
ijtc-1512	551	2	nanda	nanda	PROPN
ijtc-1512	551	3	,	,	PUNCT
ijtc-1512	551	4	a.	a.	PROPN
ijtc-1512	551	5	,	,	PUNCT
ijtc-1512	551	6	xu	xu	PROPN
ijtc-1512	551	7	,	,	PUNCT
ijtc-1512	551	8	y.	y.	PROPN
ijtc-1512	551	9	,	,	PUNCT
ijtc-1512	551	10	&	&	CCONJ
ijtc-1512	551	11	zhang	zhang	PROPN
ijtc-1512	551	12	,	,	PUNCT
ijtc-1512	551	13	f.	f.	PROPN
ijtc-1512	551	14	(	(	PUNCT
ijtc-1512	551	15	2021	2021	NUM
ijtc-1512	551	16	)	)	PUNCT
ijtc-1512	551	17	.	.	PUNCT
ijtc-1512	552	1	how	how	SCONJ
ijtc-1512	552	2	would	would	AUX
ijtc-1512	552	3	the	the	DET
ijtc-1512	552	4	covid-19	covid-19	PROPN
ijtc-1512	552	5	pandemic	pandemic	ADJ
ijtc-1512	552	6	reshape	reshape	NOUN
ijtc-1512	552	7	retail	retail	ADJ
ijtc-1512	552	8	real	real	ADJ
ijtc-1512	552	9	estate	estate	NOUN
ijtc-1512	552	10	and	and	CCONJ
ijtc-1512	552	11	high	high	ADJ
ijtc-1512	552	12	streets	street	NOUN
ijtc-1512	552	13	through	through	ADP
ijtc-1512	552	14	the	the	DET
ijtc-1512	552	15	acceleration	acceleration	NOUN
ijtc-1512	552	16	of	of	ADP
ijtc-1512	552	17	e	e	NOUN
ijtc-1512	552	18	-	-	NOUN
ijtc-1512	552	19	commerce	commerce	NOUN
ijtc-1512	552	20	and	and	CCONJ
ijtc-1512	552	21	digitalization	digitalization	NOUN
ijtc-1512	552	22	?	?	PUNCT
ijtc-1512	553	1	journal	journal	NOUN
ijtc-1512	553	2	of	of	ADP
ijtc-1512	553	3	urban	urban	ADJ
ijtc-1512	553	4	management	management	NOUN
ijtc-1512	553	5	.	.	PUNCT
ijtc-1512	553	6	https://www.sciencedirect.com	https://www.sciencedirect.com	X
ijtc-1512	554	1	náñez	náñez	PROPN
ijtc-1512	554	2	alonso	alonso	PROPN
ijtc-1512	554	3	,	,	PUNCT
ijtc-1512	554	4	s.	s.	PROPN
ijtc-1512	554	5	l.	l.	PROPN
ijtc-1512	554	6	,	,	PUNCT
ijtc-1512	554	7	echarte	echarte	PROPN
ijtc-1512	554	8	fernández	fernández	PROPN
ijtc-1512	554	9	,	,	PUNCT
ijtc-1512	554	10	m.	m.	NOUN
ijtc-1512	554	11	á	á	PROPN
ijtc-1512	554	12	.	.	PROPN
ijtc-1512	554	13	,	,	PUNCT
ijtc-1512	554	14	sanz	sanz	PROPN
ijtc-1512	554	15	bas	bas	PROPN
ijtc-1512	554	16	,	,	PUNCT
ijtc-1512	554	17	d.	d.	PROPN
ijtc-1512	554	18	,	,	PUNCT
ijtc-1512	554	19	&	&	CCONJ
ijtc-1512	554	20	kaczmarek	kaczmarek	PROPN
ijtc-1512	554	21	,	,	PUNCT
ijtc-1512	554	22	j.	j.	PROPN
ijtc-1512	554	23	(	(	PUNCT
ijtc-1512	554	24	2020	2020	NUM
ijtc-1512	554	25	)	)	PUNCT
ijtc-1512	554	26	.	.	PUNCT
ijtc-1512	555	1	reasons	reason	NOUN
ijtc-1512	555	2	fostering	foster	VERB
ijtc-1512	555	3	or	or	CCONJ
ijtc-1512	555	4	discouraging	discourage	VERB
ijtc-1512	555	5	the	the	DET
ijtc-1512	555	6	implementation	implementation	NOUN
ijtc-1512	555	7	of	of	ADP
ijtc-1512	555	8	central	central	ADJ
ijtc-1512	555	9	bank	bank	NOUN
ijtc-1512	555	10	-	-	PUNCT
ijtc-1512	555	11	backed	back	VERB
ijtc-1512	555	12	digital	digital	ADJ
ijtc-1512	555	13	currency	currency	NOUN
ijtc-1512	555	14	:	:	PUNCT
ijtc-1512	555	15	a	a	DET
ijtc-1512	555	16	review	review	NOUN
ijtc-1512	555	17	.	.	PUNCT
ijtc-1512	556	1	economies	economy	NOUN
ijtc-1512	556	2	,	,	PUNCT
ijtc-1512	556	3	8(2	8(2	NUM
ijtc-1512	556	4	)	)	PUNCT
ijtc-1512	556	5	,	,	PUNCT
ijtc-1512	556	6	article	article	NOUN
ijtc-1512	556	7	41	41	NUM
ijtc-1512	556	8	.	.	PUNCT
ijtc-1512	556	9	https://www.mdpi.com	https://www.mdpi.com	X
ijtc-1512	557	1	nazir	nazir	PROPN
ijtc-1512	557	2	,	,	PUNCT
ijtc-1512	557	3	m.	m.	NOUN
ijtc-1512	557	4	a.	a.	PROPN
ijtc-1512	557	5	,	,	PUNCT
ijtc-1512	557	6	&	&	CCONJ
ijtc-1512	557	7	roomi	roomi	PROPN
ijtc-1512	557	8	,	,	PUNCT
ijtc-1512	557	9	m.	m.	NOUN
ijtc-1512	557	10	a.	a.	NOUN
ijtc-1512	557	11	(	(	PUNCT
ijtc-1512	557	12	2020	2020	NUM
ijtc-1512	557	13	)	)	PUNCT
ijtc-1512	557	14	.	.	PUNCT
ijtc-1512	558	1	barriers	barrier	NOUN
ijtc-1512	558	2	to	to	ADP
ijtc-1512	558	3	adopting	adopt	VERB
ijtc-1512	558	4	electronic	electronic	ADJ
ijtc-1512	558	5	commerce	commerce	NOUN
ijtc-1512	558	6	for	for	ADP
ijtc-1512	558	7	small	small	ADJ
ijtc-1512	558	8	and	and	CCONJ
ijtc-1512	558	9	mediumsized	mediumsized	ADJ
ijtc-1512	558	10	enterprises	enterprise	NOUN
ijtc-1512	558	11	in	in	ADP
ijtc-1512	558	12	emerging	emerge	VERB
ijtc-1512	558	13	economies	economy	NOUN
ijtc-1512	558	14	.	.	PUNCT
ijtc-1512	559	1	emaj	emaj	ADV
ijtc-1512	559	2	:	:	PUNCT
ijtc-1512	559	3	emerging	emerge	VERB
ijtc-1512	559	4	markets	market	NOUN
ijtc-1512	559	5	journal	journal	NOUN
ijtc-1512	559	6	.	.	PUNCT
ijtc-1512	559	7	https://www.pitt.edu	https://www.pitt.edu	PROPN
ijtc-1512	560	1	ndikumana	ndikumana	PROPN
ijtc-1512	560	2	,	,	PUNCT
ijtc-1512	560	3	l.	l.	PROPN
ijtc-1512	560	4	,	,	PUNCT
ijtc-1512	560	5	naidoo	naidoo	PROPN
ijtc-1512	560	6	,	,	PUNCT
ijtc-1512	560	7	k.	k.	PROPN
ijtc-1512	560	8	,	,	PUNCT
ijtc-1512	560	9	&	&	CCONJ
ijtc-1512	560	10	aboobaker	aboobaker	PROPN
ijtc-1512	560	11	,	,	PUNCT
ijtc-1512	560	12	a.	a.	NOUN
ijtc-1512	560	13	(	(	PUNCT
ijtc-1512	560	14	2020	2020	NUM
ijtc-1512	560	15	)	)	PUNCT
ijtc-1512	560	16	.	.	PUNCT
ijtc-1512	561	1	capital	capital	NOUN
ijtc-1512	561	2	flight	flight	NOUN
ijtc-1512	561	3	from	from	ADP
ijtc-1512	561	4	south	south	PROPN
ijtc-1512	561	5	africa	africa	PROPN
ijtc-1512	561	6	:	:	PUNCT
ijtc-1512	561	7	a	a	DET
ijtc-1512	561	8	case	case	NOUN
ijtc-1512	561	9	study	study	NOUN
ijtc-1512	561	10	.	.	PUNCT
ijtc-1512	562	1	https://www.umass.edu	https://www.umass.edu	PROPN
ijtc-1512	563	1	netshakhuma	netshakhuma	ADV
ijtc-1512	563	2	,	,	PUNCT
ijtc-1512	563	3	n.	n.	PROPN
ijtc-1512	563	4	s.	s.	PROPN
ijtc-1512	563	5	(	(	PUNCT
ijtc-1512	563	6	n.d	n.d	PROPN
ijtc-1512	563	7	.	.	PROPN
ijtc-1512	563	8	)	)	PUNCT
ijtc-1512	563	9	.	.	PUNCT
ijtc-1512	564	1	assessment	assessment	NOUN
ijtc-1512	564	2	of	of	ADP
ijtc-1512	564	3	a	a	DET
ijtc-1512	564	4	south	south	PROPN
ijtc-1512	564	5	africa	africa	PROPN
ijtc-1512	564	6	national	national	ADJ
ijtc-1512	564	7	consultative	consultative	ADJ
ijtc-1512	564	8	workshop	workshop	NOUN
ijtc-1512	564	9	on	on	ADP
ijtc-1512	564	10	the	the	DET
ijtc-1512	564	11	protection	protection	NOUN
ijtc-1512	564	12	of	of	ADP
ijtc-1512	564	13	personal	personal	ADJ
ijtc-1512	564	14	information	information	NOUN
ijtc-1512	564	15	act	act	NOUN
ijtc-1512	564	16	(	(	PUNCT
ijtc-1512	564	17	popia	popia	PROPN
ijtc-1512	564	18	)	)	PUNCT
ijtc-1512	564	19	.	.	PUNCT
ijtc-1512	565	1	global	global	ADJ
ijtc-1512	565	2	knowledge	knowledge	NOUN
ijtc-1512	565	3	.	.	PUNCT
ijtc-1512	566	1	ntimane	ntimane	PROPN
ijtc-1512	566	2	,	,	PUNCT
ijtc-1512	566	3	l.	l.	PROPN
ijtc-1512	566	4	m.	m.	PROPN
ijtc-1512	566	5	(	(	PUNCT
ijtc-1512	566	6	2020	2020	NUM
ijtc-1512	566	7	)	)	PUNCT
ijtc-1512	566	8	.	.	PUNCT
ijtc-1512	567	1	disruptive	disruptive	ADJ
ijtc-1512	567	2	innovation	innovation	NOUN
ijtc-1512	567	3	in	in	ADP
ijtc-1512	567	4	the	the	DET
ijtc-1512	567	5	south	south	ADJ
ijtc-1512	567	6	african	african	ADJ
ijtc-1512	567	7	banking	banking	NOUN
ijtc-1512	567	8	sector	sector	NOUN
ijtc-1512	567	9	:	:	PUNCT
ijtc-1512	567	10	a	a	DET
ijtc-1512	567	11	case	case	NOUN
ijtc-1512	567	12	study	study	NOUN
ijtc-1512	567	13	of	of	ADP
ijtc-1512	567	14	capitec	capitec	ADJ
ijtc-1512	567	15	bank	bank	NOUN
ijtc-1512	567	16	.	.	PUNCT
ijtc-1512	568	1	https://www.sun.ac.za	https://www.sun.ac.za	NOUN
ijtc-1512	568	2	ojukwu	ojukwu	NOUN
ijtc-1512	568	3	-	-	PUNCT
ijtc-1512	568	4	ogba	ogba	NOUN
ijtc-1512	568	5	,	,	PUNCT
ijtc-1512	568	6	n.	n.	NOUN
ijtc-1512	568	7	,	,	PUNCT
ijtc-1512	568	8	&	&	CCONJ
ijtc-1512	568	9	osode	osode	PROPN
ijtc-1512	568	10	,	,	PUNCT
ijtc-1512	568	11	p.	p.	PROPN
ijtc-1512	568	12	c.	c.	PROPN
ijtc-1512	568	13	(	(	PUNCT
ijtc-1512	568	14	2020	2020	NUM
ijtc-1512	568	15	)	)	PUNCT
ijtc-1512	568	16	.	.	PUNCT
ijtc-1512	569	1	the	the	DET
ijtc-1512	569	2	legal	legal	ADJ
ijtc-1512	569	3	combat	combat	NOUN
ijtc-1512	569	4	of	of	ADP
ijtc-1512	569	5	financial	financial	ADJ
ijtc-1512	569	6	crimes	crime	NOUN
ijtc-1512	569	7	:	:	PUNCT
ijtc-1512	569	8	a	a	DET
ijtc-1512	569	9	comparative	comparative	ADJ
ijtc-1512	569	10	assessment	assessment	NOUN
ijtc-1512	569	11	of	of	ADP
ijtc-1512	569	12	the	the	DET
ijtc-1512	569	13	enforcement	enforcement	NOUN
ijtc-1512	569	14	regimes	regime	NOUN
ijtc-1512	569	15	in	in	ADP
ijtc-1512	569	16	nigeria	nigeria	PROPN
ijtc-1512	569	17	and	and	CCONJ
ijtc-1512	569	18	south	south	PROPN
ijtc-1512	569	19	africa	africa	PROPN
ijtc-1512	569	20	.	.	PUNCT
ijtc-1512	570	1	african	african	ADJ
ijtc-1512	570	2	journal	journal	PROPN
ijtc-1512	570	3	of	of	ADP
ijtc-1512	570	4	legal	legal	ADJ
ijtc-1512	570	5	studies	study	NOUN
ijtc-1512	570	6	.	.	PUNCT
ijtc-1512	571	1	olukayode	olukayode	ADJ
ijtc-1512	571	2	,	,	PUNCT
ijtc-1512	571	3	o.	o.	NOUN
ijtc-1512	571	4	(	(	PUNCT
ijtc-1512	571	5	2021	2021	NUM
ijtc-1512	571	6	)	)	PUNCT
ijtc-1512	571	7	.	.	PUNCT
ijtc-1512	572	1	an	an	DET
ijtc-1512	572	2	appraisal	appraisal	NOUN
ijtc-1512	572	3	of	of	ADP
ijtc-1512	572	4	the	the	DET
ijtc-1512	572	5	legal	legal	ADJ
ijtc-1512	572	6	framework	framework	NOUN
ijtc-1512	572	7	for	for	ADP
ijtc-1512	572	8	online	online	ADJ
ijtc-1512	572	9	banking	banking	NOUN
ijtc-1512	572	10	in	in	ADP
ijtc-1512	572	11	nigeria	nigeria	PROPN
ijtc-1512	572	12	and	and	CCONJ
ijtc-1512	572	13	south	south	PROPN
ijtc-1512	572	14	africa	africa	PROPN
ijtc-1512	572	15	.	.	PUNCT
ijtc-1512	573	1	chukwuemeka	chukwuemeka	PROPN
ijtc-1512	573	2	odumegwu	odumegwu	PROPN
ijtc-1512	573	3	ojukwu	ojukwu	PROPN
ijtc-1512	573	4	university	university	PROPN
ijtc-1512	573	5	journal	journal	NOUN
ijtc-1512	573	6	of	of	ADP
ijtc-1512	573	7	commercial	commercial	ADJ
ijtc-1512	573	8	and	and	CCONJ
ijtc-1512	573	9	property	property	NOUN
ijtc-1512	573	10	law	law	NOUN
ijtc-1512	573	11	,	,	PUNCT
ijtc-1512	573	12	3(1	3(1	NUM
ijtc-1512	573	13	)	)	PUNCT
ijtc-1512	573	14	.	.	PUNCT
ijtc-1512	574	1	https://www.nigerianjournalsonline.com	https://www.nigerianjournalsonline.com	PROPN
ijtc-1512	574	2	oluwasegun	oluwasegun	PROPN
ijtc-1512	574	3	,	,	PUNCT
ijtc-1512	574	4	g.	g.	PROPN
ijtc-1512	574	5	,	,	PUNCT
ijtc-1512	574	6	john	john	PROPN
ijtc-1512	574	7	,	,	PUNCT
ijtc-1512	574	8	o.	o.	PROPN
ijtc-1512	574	9	o.	o.	PROPN
ijtc-1512	574	10	,	,	PUNCT
ijtc-1512	574	11	&	&	CCONJ
ijtc-1512	574	12	segun	segun	PROPN
ijtc-1512	574	13	,	,	PUNCT
ijtc-1512	574	14	a.	a.	NOUN
ijtc-1512	574	15	(	(	PUNCT
ijtc-1512	574	16	2021	2021	NUM
ijtc-1512	574	17	)	)	PUNCT
ijtc-1512	574	18	.	.	PUNCT
ijtc-1512	575	1	e	e	X
ijtc-1512	575	2	-	-	ADJ
ijtc-1512	575	3	banking	banking	ADJ
ijtc-1512	575	4	system	system	NOUN
ijtc-1512	575	5	and	and	CCONJ
ijtc-1512	575	6	financial	financial	ADJ
ijtc-1512	575	7	performance	performance	NOUN
ijtc-1512	575	8	in	in	ADP
ijtc-1512	575	9	nigerian	nigerian	ADJ
ijtc-1512	575	10	banking	banking	NOUN
ijtc-1512	575	11	sector	sector	NOUN
ijtc-1512	575	12	.	.	PUNCT
ijtc-1512	576	1	dutse	dutse	PROPN
ijtc-1512	576	2	international	international	ADJ
ijtc-1512	576	3	journal	journal	NOUN
ijtc-1512	576	4	of	of	ADP
ijtc-1512	576	5	social	social	ADJ
ijtc-1512	576	6	and	and	CCONJ
ijtc-1512	576	7	economic	economic	ADJ
ijtc-1512	576	8	research	research	NOUN
ijtc-1512	576	9	,	,	PUNCT
ijtc-1512	576	10	6(1	6(1	NUM
ijtc-1512	576	11	)	)	PUNCT
ijtc-1512	576	12	,	,	PUNCT
ijtc-1512	576	13	16–29	16–29	NUM
ijtc-1512	576	14	.	.	PUNCT
ijtc-1512	576	15	https://www.fud.edu.ng	https://www.fud.edu.ng	PROPN
ijtc-1512	576	16	onyango	onyango	PROPN
ijtc-1512	576	17	,	,	PUNCT
ijtc-1512	576	18	b.	b.	PROPN
ijtc-1512	576	19	m.	m.	PROPN
ijtc-1512	576	20	a.	a.	PROPN
ijtc-1512	576	21	(	(	PUNCT
ijtc-1512	576	22	2021	2021	NUM
ijtc-1512	576	23	)	)	PUNCT
ijtc-1512	576	24	.	.	PUNCT
ijtc-1512	577	1	the	the	DET
ijtc-1512	577	2	south	south	PROPN
ijtc-1512	577	3	africa	africa	PROPN
ijtc-1512	577	4	-	-	PUNCT
ijtc-1512	577	5	zimbabwe	zimbabwe	PROPN
ijtc-1512	577	6	remittance	remittance	NOUN
ijtc-1512	577	7	corridor	corridor	NOUN
ijtc-1512	577	8	:	:	PUNCT
ijtc-1512	577	9	an	an	DET
ijtc-1512	577	10	analysis	analysis	NOUN
ijtc-1512	577	11	of	of	ADP
ijtc-1512	577	12	its	its	PRON
ijtc-1512	577	13	characteristics	characteristic	NOUN
ijtc-1512	577	14	and	and	CCONJ
ijtc-1512	577	15	the	the	DET
ijtc-1512	577	16	cost	cost	NOUN
ijtc-1512	577	17	of	of	ADP
ijtc-1512	577	18	remittance	remittance	NOUN
ijtc-1512	577	19	payments	payment	NOUN
ijtc-1512	577	20	.	.	PUNCT
ijtc-1512	578	1	https://www.uct.ac.za	https://www.uct.ac.za	INTJ
ijtc-1512	578	2	opare	opare	NOUN
ijtc-1512	578	3	,	,	PUNCT
ijtc-1512	578	4	e.	e.	PROPN
ijtc-1512	578	5	a.	a.	PROPN
ijtc-1512	578	6	,	,	PUNCT
ijtc-1512	578	7	&	&	CCONJ
ijtc-1512	578	8	kim	kim	PROPN
ijtc-1512	578	9	,	,	PUNCT
ijtc-1512	578	10	k.	k.	PROPN
ijtc-1512	578	11	(	(	PUNCT
ijtc-1512	578	12	2020	2020	NUM
ijtc-1512	578	13	)	)	PUNCT
ijtc-1512	578	14	.	.	PUNCT
ijtc-1512	579	1	a	a	DET
ijtc-1512	579	2	compendium	compendium	NOUN
ijtc-1512	579	3	of	of	ADP
ijtc-1512	579	4	practices	practice	NOUN
ijtc-1512	579	5	for	for	ADP
ijtc-1512	579	6	central	central	ADJ
ijtc-1512	579	7	bank	bank	NOUN
ijtc-1512	579	8	digital	digital	ADJ
ijtc-1512	579	9	currencies	currency	NOUN
ijtc-1512	579	10	for	for	ADP
ijtc-1512	579	11	multinational	multinational	ADJ
ijtc-1512	579	12	financial	financial	ADJ
ijtc-1512	579	13	infrastructures	infrastructure	NOUN
ijtc-1512	579	14	.	.	PUNCT
ijtc-1512	580	1	ieee	ieee	NOUN
ijtc-1512	580	2	access	access	NOUN
ijtc-1512	580	3	.	.	PUNCT
ijtc-1512	581	1	https://www.ieee.org	https://www.ieee.org	PROPN
ijtc-1512	581	2	ozili	ozili	PROPN
ijtc-1512	581	3	,	,	PUNCT
ijtc-1512	581	4	p.	p.	PROPN
ijtc-1512	581	5	k.	k.	PROPN
ijtc-1512	581	6	(	(	PUNCT
ijtc-1512	581	7	2023	2023	NUM
ijtc-1512	581	8	)	)	PUNCT
ijtc-1512	581	9	.	.	PUNCT
ijtc-1512	582	1	global	global	ADJ
ijtc-1512	582	2	central	central	PROPN
ijtc-1512	582	3	bank	bank	PROPN
ijtc-1512	582	4	digital	digital	ADJ
ijtc-1512	582	5	currency	currency	NOUN
ijtc-1512	582	6	research	research	NOUN
ijtc-1512	582	7	and	and	CCONJ
ijtc-1512	582	8	developments	development	NOUN
ijtc-1512	582	9	:	:	PUNCT
ijtc-1512	582	10	implications	implication	NOUN
ijtc-1512	582	11	for	for	ADP
ijtc-1512	582	12	cryptocurrency	cryptocurrency	NOUN
ijtc-1512	582	13	.	.	PUNCT
ijtc-1512	583	1	in	in	ADP
ijtc-1512	583	2	cryptocurrency	cryptocurrency	NOUN
ijtc-1512	583	3	concepts	concept	NOUN
ijtc-1512	583	4	,	,	PUNCT
ijtc-1512	583	5	technology	technology	NOUN
ijtc-1512	583	6	,	,	PUNCT
ijtc-1512	583	7	and	and	CCONJ
ijtc-1512	583	8	applications	application	NOUN
ijtc-1512	583	9	(	(	PUNCT
ijtc-1512	583	10	pp	pp	ADJ
ijtc-1512	583	11	.	.	PUNCT
ijtc-1512	583	12	59–73	59–73	NUM
ijtc-1512	583	13	)	)	PUNCT
ijtc-1512	583	14	.	.	PUNCT
ijtc-1512	584	1	auerbach	auerbach	PROPN
ijtc-1512	584	2	publications	publication	NOUN
ijtc-1512	584	3	.	.	PUNCT
ijtc-1512	585	1	pairman	pairman	PROPN
ijtc-1512	585	2	,	,	PUNCT
ijtc-1512	585	3	s.	s.	PROPN
ijtc-1512	585	4	,	,	PUNCT
ijtc-1512	585	5	&	&	CCONJ
ijtc-1512	585	6	sanggita	sanggita	PROPN
ijtc-1512	585	7	,	,	PUNCT
ijtc-1512	585	8	w.	w.	NOUN
ijtc-1512	585	9	(	(	PUNCT
ijtc-1512	585	10	2021	2021	NUM
ijtc-1512	585	11	)	)	PUNCT
ijtc-1512	585	12	.	.	PUNCT
ijtc-1512	586	1	instant	instant	ADJ
ijtc-1512	586	2	payments	payment	NOUN
ijtc-1512	586	3	in	in	ADP
ijtc-1512	586	4	asia	asia	PROPN
ijtc-1512	586	5	are	be	AUX
ijtc-1512	586	6	changing	change	VERB
ijtc-1512	586	7	business	business	NOUN
ijtc-1512	586	8	models	model	NOUN
ijtc-1512	586	9	.	.	PUNCT
ijtc-1512	587	1	journal	journal	NOUN
ijtc-1512	587	2	of	of	ADP
ijtc-1512	587	3	digital	digital	ADJ
ijtc-1512	587	4	banking	banking	NOUN
ijtc-1512	587	5	.	.	PUNCT
ijtc-1512	588	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	588	2	https://www.europeanscience.org/	https://www.europeanscience.org/	NOUN
ijtc-1512	588	3	https://www.sciencedirect.com/	https://www.sciencedirect.com/	PROPN
ijtc-1512	588	4	https://www.mdpi.com/	https://www.mdpi.com/	PROPN
ijtc-1512	588	5	https://www.pitt.edu/	https://www.pitt.edu/	PROPN
ijtc-1512	588	6	https://www.umass.edu/	https://www.umass.edu/	PROPN
ijtc-1512	588	7	https://www.sun.ac.za/	https://www.sun.ac.za/	PROPN
ijtc-1512	588	8	https://www.nigerianjournalsonline.com/	https://www.nigerianjournalsonline.com/	PROPN
ijtc-1512	588	9	https://www.fud.edu.ng/	https://www.fud.edu.ng/	VERB
ijtc-1512	588	10	https://www.uct.ac.za/	https://www.uct.ac.za/	PROPN
ijtc-1512	588	11	https://www.ieee.org/	https://www.ieee.org/	NOUN
ijtc-1512	588	12	examining	examine	VERB
ijtc-1512	588	13	the	the	DET
ijtc-1512	588	14	management	management	NOUN
ijtc-1512	588	15	impact	impact	NOUN
ijtc-1512	588	16	:	:	PUNCT
ijtc-1512	588	17	a	a	DET
ijtc-1512	588	18	literature	literature	NOUN
ijtc-1512	588	19	review	review	NOUN
ijtc-1512	588	20	on	on	ADP
ijtc-1512	588	21	the	the	DET
ijtc-1512	588	22	phasing	phasing	NOUN
ijtc-1512	588	23	out	out	ADP
ijtc-1512	588	24	of	of	ADP
ijtc-1512	588	25	cheques	cheque	NOUN
ijtc-1512	588	26	in	in	ADP
ijtc-1512	588	27	south	south	PROPN
ijtc-1512	588	28	africa	africa	PROPN
ijtc-1512	588	29	abrahams	abrahams	PROPN
ijtc-1512	588	30	and	and	CCONJ
ijtc-1512	588	31	pretorius	pretorius	NOUN
ijtc-1512	588	32	22	22	NUM
ijtc-1512	588	33	|	|	ADV
ijtc-1512	588	34	ilomata	ilomata	PROPN
ijtc-1512	588	35	international	international	ADJ
ijtc-1512	588	36	journal	journal	NOUN
ijtc-1512	588	37	of	of	ADP
ijtc-1512	588	38	tax	tax	PROPN
ijtc-1512	588	39	&	&	CCONJ
ijtc-1512	588	40	accounting	accounting	PROPN
ijtc-1512	588	41	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	588	42	parry	parry	PROPN
ijtc-1512	588	43	,	,	PUNCT
ijtc-1512	588	44	j.	j.	PROPN
ijtc-1512	588	45	(	(	PUNCT
ijtc-1512	588	46	2024	2024	NUM
ijtc-1512	588	47	)	)	PUNCT
ijtc-1512	588	48	.	.	PUNCT
ijtc-1512	589	1	the	the	DET
ijtc-1512	589	2	third	third	ADJ
ijtc-1512	589	3	earl	earl	PROPN
ijtc-1512	589	4	grey	grey	PROPN
ijtc-1512	589	5	,	,	PUNCT
ijtc-1512	589	6	liberalism	liberalism	NOUN
ijtc-1512	589	7	,	,	PUNCT
ijtc-1512	589	8	and	and	CCONJ
ijtc-1512	589	9	the	the	DET
ijtc-1512	589	10	british	british	ADJ
ijtc-1512	589	11	empire	empire	NOUN
ijtc-1512	589	12	.	.	PUNCT
ijtc-1512	590	1	modern	modern	ADJ
ijtc-1512	590	2	intellectual	intellectual	ADJ
ijtc-1512	590	3	history	history	NOUN
ijtc-1512	590	4	.	.	PUNCT
ijtc-1512	591	1	https://www.cambridge.org	https://www.cambridge.org	PROPN
ijtc-1512	591	2	pazarbasioglu	pazarbasioglu	PROPN
ijtc-1512	591	3	,	,	PUNCT
ijtc-1512	591	4	c.	c.	PROPN
ijtc-1512	591	5	,	,	PUNCT
ijtc-1512	591	6	mora	mora	PROPN
ijtc-1512	591	7	,	,	PUNCT
ijtc-1512	591	8	a.	a.	PROPN
ijtc-1512	591	9	g.	g.	PROPN
ijtc-1512	591	10	,	,	PUNCT
ijtc-1512	591	11	uttamchandani	uttamchandani	NOUN
ijtc-1512	591	12	,	,	PUNCT
ijtc-1512	591	13	m.	m.	NOUN
ijtc-1512	591	14	,	,	PUNCT
ijtc-1512	591	15	natarajan	natarajan	PROPN
ijtc-1512	591	16	,	,	PUNCT
ijtc-1512	591	17	h.	h.	PROPN
ijtc-1512	591	18	,	,	PUNCT
ijtc-1512	591	19	feyen	feyen	PROPN
ijtc-1512	591	20	,	,	PUNCT
ijtc-1512	591	21	e.	e.	PROPN
ijtc-1512	591	22	,	,	PUNCT
ijtc-1512	591	23	&	&	CCONJ
ijtc-1512	591	24	saal	saal	PROPN
ijtc-1512	591	25	,	,	PUNCT
ijtc-1512	591	26	m.	m.	NOUN
ijtc-1512	591	27	(	(	PUNCT
ijtc-1512	591	28	2020	2020	NUM
ijtc-1512	591	29	)	)	PUNCT
ijtc-1512	591	30	.	.	PUNCT
ijtc-1512	592	1	digital	digital	ADJ
ijtc-1512	592	2	financial	financial	ADJ
ijtc-1512	592	3	services	service	NOUN
ijtc-1512	592	4	.	.	PUNCT
ijtc-1512	593	1	world	world	PROPN
ijtc-1512	593	2	bank	bank	PROPN
ijtc-1512	593	3	,	,	PUNCT
ijtc-1512	593	4	54	54	NUM
ijtc-1512	593	5	.	.	PUNCT
ijtc-1512	594	1	https://www.worldbank.org	https://www.worldbank.org	PROPN
ijtc-1512	594	2	pillay	pillay	PROPN
ijtc-1512	594	3	,	,	PUNCT
ijtc-1512	594	4	d.	d.	PROPN
ijtc-1512	594	5	,	,	PUNCT
ijtc-1512	594	6	stankevitz	stankevitz	PROPN
ijtc-1512	594	7	,	,	PUNCT
ijtc-1512	594	8	k.	k.	PROPN
ijtc-1512	594	9	,	,	PUNCT
ijtc-1512	594	10	lanham	lanham	PROPN
ijtc-1512	594	11	,	,	PUNCT
ijtc-1512	594	12	m.	m.	NOUN
ijtc-1512	594	13	,	,	PUNCT
ijtc-1512	594	14	ridgeway	ridgeway	NOUN
ijtc-1512	594	15	,	,	PUNCT
ijtc-1512	594	16	k.	k.	PROPN
ijtc-1512	594	17	,	,	PUNCT
ijtc-1512	594	18	murire	murire	NOUN
ijtc-1512	594	19	,	,	PUNCT
ijtc-1512	594	20	m.	m.	NOUN
ijtc-1512	594	21	,	,	PUNCT
ijtc-1512	594	22	briedenhann	briedenhann	PROPN
ijtc-1512	594	23	,	,	PUNCT
ijtc-1512	594	24	e.	e.	PROPN
ijtc-1512	594	25	,	,	PUNCT
ijtc-1512	594	26	jenkins	jenkins	PROPN
ijtc-1512	594	27	,	,	PUNCT
ijtc-1512	594	28	s.	s.	PROPN
ijtc-1512	594	29	,	,	PUNCT
ijtc-1512	594	30	subedar	subedar	NOUN
ijtc-1512	594	31	,	,	PUNCT
ijtc-1512	594	32	h.	h.	PROPN
ijtc-1512	594	33	,	,	PUNCT
ijtc-1512	594	34	hoke	hoke	PROPN
ijtc-1512	594	35	,	,	PUNCT
ijtc-1512	594	36	t.	t.	PROPN
ijtc-1512	594	37	,	,	PUNCT
ijtc-1512	594	38	&	&	CCONJ
ijtc-1512	594	39	mullick	mullick	PROPN
ijtc-1512	594	40	,	,	PUNCT
ijtc-1512	594	41	s.	s.	PROPN
ijtc-1512	594	42	(	(	PUNCT
ijtc-1512	594	43	2020	2020	NUM
ijtc-1512	594	44	)	)	PUNCT
ijtc-1512	594	45	.	.	PUNCT
ijtc-1512	595	1	factors	factor	NOUN
ijtc-1512	595	2	influencing	influence	VERB
ijtc-1512	595	3	uptake	uptake	NOUN
ijtc-1512	595	4	,	,	PUNCT
ijtc-1512	595	5	continuation	continuation	NOUN
ijtc-1512	595	6	,	,	PUNCT
ijtc-1512	595	7	and	and	CCONJ
ijtc-1512	595	8	discontinuation	discontinuation	NOUN
ijtc-1512	595	9	of	of	ADP
ijtc-1512	595	10	oral	oral	ADJ
ijtc-1512	595	11	prep	prep	NOUN
ijtc-1512	595	12	among	among	ADP
ijtc-1512	595	13	clients	client	NOUN
ijtc-1512	595	14	at	at	ADP
ijtc-1512	595	15	sex	sex	NOUN
ijtc-1512	595	16	worker	worker	NOUN
ijtc-1512	595	17	and	and	CCONJ
ijtc-1512	595	18	msm	msm	NOUN
ijtc-1512	595	19	facilities	facility	NOUN
ijtc-1512	595	20	in	in	ADP
ijtc-1512	595	21	south	south	PROPN
ijtc-1512	595	22	africa	africa	PROPN
ijtc-1512	595	23	.	.	PUNCT
ijtc-1512	596	1	plos	plos	PROPN
ijtc-1512	596	2	one	one	NUM
ijtc-1512	596	3	,	,	PUNCT
ijtc-1512	596	4	15(4	15(4	NUM
ijtc-1512	596	5	)	)	PUNCT
ijtc-1512	596	6	,	,	PUNCT
ijtc-1512	596	7	article	article	NOUN
ijtc-1512	596	8	e0228620	e0228620	NUM
ijtc-1512	596	9	.	.	PROPN
ijtc-1512	596	10	https://www.plos.org	https://www.plos.org	PROPN
ijtc-1512	596	11	potwana	potwana	PROPN
ijtc-1512	596	12	,	,	PUNCT
ijtc-1512	596	13	a.	a.	NOUN
ijtc-1512	596	14	(	(	PUNCT
ijtc-1512	596	15	2022	2022	NUM
ijtc-1512	596	16	)	)	PUNCT
ijtc-1512	596	17	.	.	PUNCT
ijtc-1512	597	1	enforcement	enforcement	NOUN
ijtc-1512	597	2	of	of	ADP
ijtc-1512	597	3	consumers	consumer	NOUN
ijtc-1512	597	4	'	'	PART
ijtc-1512	597	5	rights	right	NOUN
ijtc-1512	597	6	under	under	ADP
ijtc-1512	597	7	the	the	DET
ijtc-1512	597	8	consumer	consumer	NOUN
ijtc-1512	597	9	protection	protection	NOUN
ijtc-1512	597	10	act	act	NOUN
ijtc-1512	597	11	68	68	NUM
ijtc-1512	597	12	of	of	ADP
ijtc-1512	597	13	2008	2008	NUM
ijtc-1512	597	14	.	.	PUNCT
ijtc-1512	598	1	https://www.up.ac.za	https://www.up.ac.za	NOUN
ijtc-1512	598	2	rajagopaul	rajagopaul	NOUN
ijtc-1512	598	3	,	,	PUNCT
ijtc-1512	598	4	a.	a.	NOUN
ijtc-1512	598	5	,	,	PUNCT
ijtc-1512	598	6	magwentshu	magwentshu	NOUN
ijtc-1512	598	7	,	,	PUNCT
ijtc-1512	598	8	n.	n.	NOUN
ijtc-1512	598	9	,	,	PUNCT
ijtc-1512	598	10	&	&	CCONJ
ijtc-1512	598	11	kalidas	kalidas	PROPN
ijtc-1512	598	12	,	,	PUNCT
ijtc-1512	598	13	s.	s.	PROPN
ijtc-1512	598	14	(	(	PUNCT
ijtc-1512	598	15	2020	2020	NUM
ijtc-1512	598	16	)	)	PUNCT
ijtc-1512	598	17	.	.	PUNCT
ijtc-1512	599	1	how	how	SCONJ
ijtc-1512	599	2	south	south	ADJ
ijtc-1512	599	3	african	african	ADJ
ijtc-1512	599	4	smes	sme	NOUN
ijtc-1512	599	5	can	can	AUX
ijtc-1512	599	6	survive	survive	VERB
ijtc-1512	599	7	and	and	CCONJ
ijtc-1512	599	8	thrive	thrive	VERB
ijtc-1512	599	9	post	post	NOUN
ijtc-1512	599	10	covid-19	covid-19	PROPN
ijtc-1512	599	11	:	:	PUNCT
ijtc-1512	599	12	providing	provide	VERB
ijtc-1512	599	13	the	the	DET
ijtc-1512	599	14	right	right	ADJ
ijtc-1512	599	15	support	support	NOUN
ijtc-1512	599	16	to	to	PART
ijtc-1512	599	17	enable	enable	VERB
ijtc-1512	599	18	sme	sme	NOUN
ijtc-1512	599	19	growth	growth	NOUN
ijtc-1512	599	20	now	now	ADV
ijtc-1512	599	21	and	and	CCONJ
ijtc-1512	599	22	beyond	beyond	ADP
ijtc-1512	599	23	the	the	DET
ijtc-1512	599	24	crisis	crisis	NOUN
ijtc-1512	599	25	.	.	PUNCT
ijtc-1512	600	1	mckinsey	mckinsey	NOUN
ijtc-1512	600	2	&	&	CCONJ
ijtc-1512	600	3	company	company	PROPN
ijtc-1512	600	4	.	.	PUNCT
ijtc-1512	601	1	https://www.mckinsey.com	https://www.mckinsey.com	X
ijtc-1512	602	1	raman	raman	NOUN
ijtc-1512	602	2	,	,	PUNCT
ijtc-1512	602	3	p.	p.	PROPN
ijtc-1512	602	4	,	,	PUNCT
ijtc-1512	602	5	&	&	CCONJ
ijtc-1512	602	6	aashish	aashish	PROPN
ijtc-1512	602	7	,	,	PUNCT
ijtc-1512	602	8	k.	k.	PROPN
ijtc-1512	602	9	(	(	PUNCT
ijtc-1512	602	10	2021	2021	NUM
ijtc-1512	602	11	)	)	PUNCT
ijtc-1512	602	12	.	.	PUNCT
ijtc-1512	603	1	to	to	PART
ijtc-1512	603	2	continue	continue	VERB
ijtc-1512	603	3	or	or	CCONJ
ijtc-1512	603	4	not	not	PART
ijtc-1512	603	5	to	to	PART
ijtc-1512	603	6	continue	continue	VERB
ijtc-1512	603	7	:	:	PUNCT
ijtc-1512	603	8	a	a	DET
ijtc-1512	603	9	structural	structural	ADJ
ijtc-1512	603	10	analysis	analysis	NOUN
ijtc-1512	603	11	of	of	ADP
ijtc-1512	603	12	antecedents	antecedent	NOUN
ijtc-1512	603	13	of	of	ADP
ijtc-1512	603	14	mobile	mobile	ADJ
ijtc-1512	603	15	payment	payment	NOUN
ijtc-1512	603	16	systems	system	NOUN
ijtc-1512	603	17	in	in	ADP
ijtc-1512	603	18	india	india	PROPN
ijtc-1512	603	19	.	.	PUNCT
ijtc-1512	604	1	international	international	ADJ
ijtc-1512	604	2	journal	journal	PROPN
ijtc-1512	604	3	of	of	ADP
ijtc-1512	604	4	bank	bank	PROPN
ijtc-1512	604	5	marketing	marketing	NOUN
ijtc-1512	604	6	.	.	PUNCT
ijtc-1512	605	1	ranchhod	ranchhod	NOUN
ijtc-1512	605	2	,	,	PUNCT
ijtc-1512	605	3	v.	v.	PROPN
ijtc-1512	605	4	,	,	PUNCT
ijtc-1512	605	5	&	&	CCONJ
ijtc-1512	605	6	daniels	daniels	PROPN
ijtc-1512	605	7	,	,	PUNCT
ijtc-1512	605	8	r.	r.	PROPN
ijtc-1512	605	9	c.	c.	PROPN
ijtc-1512	605	10	(	(	PUNCT
ijtc-1512	605	11	2021	2021	NUM
ijtc-1512	605	12	)	)	PUNCT
ijtc-1512	605	13	.	.	PUNCT
ijtc-1512	606	1	labour	labour	ADJ
ijtc-1512	606	2	market	market	NOUN
ijtc-1512	606	3	dynamics	dynamic	NOUN
ijtc-1512	606	4	in	in	ADP
ijtc-1512	606	5	south	south	PROPN
ijtc-1512	606	6	africa	africa	PROPN
ijtc-1512	606	7	at	at	ADP
ijtc-1512	606	8	the	the	DET
ijtc-1512	606	9	onset	onset	NOUN
ijtc-1512	606	10	of	of	ADP
ijtc-1512	606	11	the	the	DET
ijtc-1512	606	12	covid‐19	covid‐19	PROPN
ijtc-1512	606	13	pandemic	pandemic	NOUN
ijtc-1512	606	14	.	.	PUNCT
ijtc-1512	607	1	south	south	ADJ
ijtc-1512	607	2	african	african	ADJ
ijtc-1512	607	3	journal	journal	PROPN
ijtc-1512	607	4	of	of	ADP
ijtc-1512	607	5	economics	economic	NOUN
ijtc-1512	607	6	.	.	PUNCT
ijtc-1512	608	1	https://www.nih.gov	https://www.nih.gov	ADJ
ijtc-1512	608	2	regragui	regragui	NOUN
ijtc-1512	608	3	,	,	PUNCT
ijtc-1512	608	4	m.	m.	NOUN
ijtc-1512	608	5	k.	k.	PROPN
ijtc-1512	608	6	(	(	PUNCT
ijtc-1512	608	7	2022	2022	NUM
ijtc-1512	608	8	)	)	PUNCT
ijtc-1512	608	9	.	.	PUNCT
ijtc-1512	609	1	the	the	DET
ijtc-1512	609	2	african	african	ADJ
ijtc-1512	609	3	mobile	mobile	ADJ
ijtc-1512	609	4	wallets	wallet	NOUN
ijtc-1512	609	5	:	:	PUNCT
ijtc-1512	609	6	an	an	DET
ijtc-1512	609	7	empirical	empirical	ADJ
ijtc-1512	609	8	analysis	analysis	NOUN
ijtc-1512	609	9	of	of	ADP
ijtc-1512	609	10	the	the	DET
ijtc-1512	609	11	services	service	NOUN
ijtc-1512	609	12	and	and	CCONJ
ijtc-1512	609	13	the	the	DET
ijtc-1512	609	14	anticipated	anticipated	ADJ
ijtc-1512	609	15	trends	trend	NOUN
ijtc-1512	609	16	.	.	PUNCT
ijtc-1512	610	1	https://www.polimi.it	https://www.polimi.it	PRON
ijtc-1512	610	2	rogerson	rogerson	NOUN
ijtc-1512	610	3	,	,	PUNCT
ijtc-1512	610	4	j.	j.	PROPN
ijtc-1512	610	5	m.	m.	PROPN
ijtc-1512	610	6	,	,	PUNCT
ijtc-1512	610	7	lekgau	lekgau	NOUN
ijtc-1512	610	8	,	,	PUNCT
ijtc-1512	610	9	r.	r.	PROPN
ijtc-1512	610	10	j.	j.	PROPN
ijtc-1512	610	11	,	,	PUNCT
ijtc-1512	610	12	mashapa	mashapa	PROPN
ijtc-1512	610	13	,	,	PUNCT
ijtc-1512	610	14	m.	m.	NOUN
ijtc-1512	610	15	m.	m.	NOUN
ijtc-1512	610	16	,	,	PUNCT
ijtc-1512	610	17	&	&	CCONJ
ijtc-1512	610	18	rogerson	rogerson	PROPN
ijtc-1512	610	19	,	,	PUNCT
ijtc-1512	610	20	c.	c.	PROPN
ijtc-1512	610	21	m.	m.	NOUN
ijtc-1512	610	22	(	(	PUNCT
ijtc-1512	610	23	2021	2021	NUM
ijtc-1512	610	24	)	)	PUNCT
ijtc-1512	610	25	.	.	PUNCT
ijtc-1512	611	1	covid-19	covid-19	PROPN
ijtc-1512	611	2	and	and	CCONJ
ijtc-1512	611	3	local	local	ADJ
ijtc-1512	611	4	business	business	NOUN
ijtc-1512	611	5	responses	response	NOUN
ijtc-1512	611	6	:	:	PUNCT
ijtc-1512	611	7	evidence	evidence	NOUN
ijtc-1512	611	8	from	from	ADP
ijtc-1512	611	9	south	south	PROPN
ijtc-1512	611	10	africa	africa	PROPN
ijtc-1512	611	11	's	's	PART
ijtc-1512	611	12	most	most	ADJ
ijtc-1512	611	13	tourism	tourism	NOUN
ijtc-1512	611	14	-	-	PUNCT
ijtc-1512	611	15	dependent	dependent	ADJ
ijtc-1512	611	16	locality	locality	NOUN
ijtc-1512	611	17	.	.	PUNCT
ijtc-1512	612	1	https://www.uj.ac.za	https://www.uj.ac.za	PROPN
ijtc-1512	612	2	santoro	santoro	PROPN
ijtc-1512	612	3	,	,	PUNCT
ijtc-1512	612	4	f.	f.	PROPN
ijtc-1512	612	5	,	,	PUNCT
ijtc-1512	612	6	munoz	munoz	PROPN
ijtc-1512	612	7	,	,	PUNCT
ijtc-1512	612	8	l.	l.	PROPN
ijtc-1512	612	9	,	,	PUNCT
ijtc-1512	612	10	prichard	prichard	PROPN
ijtc-1512	612	11	,	,	PUNCT
ijtc-1512	612	12	w.	w.	PROPN
ijtc-1512	612	13	,	,	PUNCT
ijtc-1512	612	14	&	&	CCONJ
ijtc-1512	612	15	mascagni	mascagni	PROPN
ijtc-1512	612	16	,	,	PUNCT
ijtc-1512	612	17	g.	g.	PROPN
ijtc-1512	612	18	(	(	PUNCT
ijtc-1512	612	19	2022	2022	NUM
ijtc-1512	612	20	)	)	PUNCT
ijtc-1512	612	21	.	.	PUNCT
ijtc-1512	613	1	digital	digital	ADJ
ijtc-1512	613	2	financial	financial	ADJ
ijtc-1512	613	3	services	service	NOUN
ijtc-1512	613	4	and	and	CCONJ
ijtc-1512	613	5	digital	digital	ADJ
ijtc-1512	613	6	ids	id	NOUN
ijtc-1512	613	7	:	:	PUNCT
ijtc-1512	613	8	what	what	DET
ijtc-1512	613	9	potential	potential	NOUN
ijtc-1512	613	10	do	do	AUX
ijtc-1512	613	11	they	they	PRON
ijtc-1512	613	12	have	have	VERB
ijtc-1512	613	13	for	for	ADP
ijtc-1512	613	14	better	well	ADJ
ijtc-1512	613	15	taxation	taxation	NOUN
ijtc-1512	613	16	in	in	ADP
ijtc-1512	613	17	africa	africa	PROPN
ijtc-1512	613	18	?	?	PUNCT
ijtc-1512	614	1	https://www.core.ac.uk	https://www.core.ac.uk	PROPN
ijtc-1512	614	2	schotte	schotte	PROPN
ijtc-1512	614	3	,	,	PUNCT
ijtc-1512	614	4	s.	s.	PROPN
ijtc-1512	614	5	,	,	PUNCT
ijtc-1512	614	6	&	&	CCONJ
ijtc-1512	614	7	zizzamia	zizzamia	PROPN
ijtc-1512	614	8	,	,	PUNCT
ijtc-1512	614	9	r.	r.	PROPN
ijtc-1512	614	10	(	(	PUNCT
ijtc-1512	614	11	2023	2023	NUM
ijtc-1512	614	12	)	)	PUNCT
ijtc-1512	614	13	.	.	PUNCT
ijtc-1512	615	1	the	the	DET
ijtc-1512	615	2	livelihood	livelihood	NOUN
ijtc-1512	615	3	impacts	impact	NOUN
ijtc-1512	615	4	of	of	ADP
ijtc-1512	615	5	covid-19	covid-19	PROPN
ijtc-1512	615	6	in	in	ADP
ijtc-1512	615	7	urban	urban	PROPN
ijtc-1512	615	8	south	south	PROPN
ijtc-1512	615	9	africa	africa	PROPN
ijtc-1512	615	10	:	:	PUNCT
ijtc-1512	615	11	a	a	DET
ijtc-1512	615	12	view	view	NOUN
ijtc-1512	615	13	from	from	ADP
ijtc-1512	615	14	below	below	ADP
ijtc-1512	615	15	.	.	PUNCT
ijtc-1512	616	1	social	social	ADJ
ijtc-1512	616	2	indicators	indicator	NOUN
ijtc-1512	616	3	research	research	VERB
ijtc-1512	616	4	.	.	PUNCT
ijtc-1512	617	1	https://www.springer.com	https://www.springer.com	X
ijtc-1512	618	1	schulze	schulze	PROPN
ijtc-1512	618	2	,	,	PUNCT
ijtc-1512	618	3	w.	w.	PROPN
ijtc-1512	618	4	g.	g.	PROPN
ijtc-1512	618	5	(	(	PUNCT
ijtc-1512	618	6	2020	2020	NUM
ijtc-1512	618	7	)	)	PUNCT
ijtc-1512	618	8	.	.	PUNCT
ijtc-1512	619	1	the	the	DET
ijtc-1512	619	2	reversal	reversal	NOUN
ijtc-1512	619	3	of	of	ADP
ijtc-1512	619	4	electronic	electronic	ADJ
ijtc-1512	619	5	payments	payment	NOUN
ijtc-1512	619	6	under	under	ADP
ijtc-1512	619	7	south	south	ADJ
ijtc-1512	619	8	african	african	ADJ
ijtc-1512	619	9	law	law	NOUN
ijtc-1512	619	10	:	:	PUNCT
ijtc-1512	619	11	possible	possible	ADJ
ijtc-1512	619	12	guidance	guidance	NOUN
ijtc-1512	619	13	from	from	ADP
ijtc-1512	619	14	recent	recent	ADJ
ijtc-1512	619	15	developments	development	NOUN
ijtc-1512	619	16	in	in	ADP
ijtc-1512	619	17	european	european	PROPN
ijtc-1512	619	18	union	union	PROPN
ijtc-1512	619	19	law	law	PROPN
ijtc-1512	619	20	.	.	PUNCT
ijtc-1512	620	1	sa	sa	PROPN
ijtc-1512	620	2	mercantile	mercantile	PROPN
ijtc-1512	620	3	law	law	PROPN
ijtc-1512	620	4	journal	journal	PROPN
ijtc-1512	620	5	.	.	PUNCT
ijtc-1512	621	1	siano	siano	PROPN
ijtc-1512	621	2	,	,	PUNCT
ijtc-1512	621	3	a.	a.	PROPN
ijtc-1512	621	4	,	,	PUNCT
ijtc-1512	621	5	raimi	raimi	PROPN
ijtc-1512	621	6	,	,	PUNCT
ijtc-1512	621	7	l.	l.	PROPN
ijtc-1512	621	8	,	,	PUNCT
ijtc-1512	621	9	palazzo	palazzo	PROPN
ijtc-1512	621	10	,	,	PUNCT
ijtc-1512	621	11	m.	m.	NOUN
ijtc-1512	621	12	,	,	PUNCT
ijtc-1512	621	13	&	&	CCONJ
ijtc-1512	621	14	panait	panait	PROPN
ijtc-1512	621	15	,	,	PUNCT
ijtc-1512	621	16	m.	m.	NOUN
ijtc-1512	621	17	c.	c.	PROPN
ijtc-1512	621	18	(	(	PUNCT
ijtc-1512	621	19	2020	2020	NUM
ijtc-1512	621	20	)	)	PUNCT
ijtc-1512	621	21	.	.	PUNCT
ijtc-1512	622	1	mobile	mobile	ADJ
ijtc-1512	622	2	banking	banking	NOUN
ijtc-1512	622	3	:	:	PUNCT
ijtc-1512	622	4	an	an	DET
ijtc-1512	622	5	innovative	innovative	ADJ
ijtc-1512	622	6	solution	solution	NOUN
ijtc-1512	622	7	for	for	ADP
ijtc-1512	622	8	increasing	increase	VERB
ijtc-1512	622	9	financial	financial	ADJ
ijtc-1512	622	10	inclusion	inclusion	NOUN
ijtc-1512	622	11	in	in	ADP
ijtc-1512	622	12	sub	sub	ADJ
ijtc-1512	622	13	-	-	ADJ
ijtc-1512	622	14	saharan	saharan	ADJ
ijtc-1512	622	15	african	african	ADJ
ijtc-1512	622	16	countries	country	NOUN
ijtc-1512	622	17	:	:	PUNCT
ijtc-1512	622	18	evidence	evidence	NOUN
ijtc-1512	622	19	from	from	ADP
ijtc-1512	622	20	nigeria	nigeria	PROPN
ijtc-1512	622	21	.	.	PUNCT
ijtc-1512	623	1	sustainability	sustainability	NOUN
ijtc-1512	623	2	,	,	PUNCT
ijtc-1512	623	3	12(20	12(20	NUM
ijtc-1512	623	4	)	)	PUNCT
ijtc-1512	623	5	,	,	PUNCT
ijtc-1512	623	6	article	article	NOUN
ijtc-1512	623	7	8685	8685	NUM
ijtc-1512	623	8	.	.	PUNCT
ijtc-1512	624	1	https://www.mdpi.com	https://www.mdpi.com	X
ijtc-1512	624	2	simatele	simatele	PROPN
ijtc-1512	624	3	,	,	PUNCT
ijtc-1512	624	4	m.	m.	NOUN
ijtc-1512	624	5	,	,	PUNCT
ijtc-1512	624	6	&	&	CCONJ
ijtc-1512	624	7	maciko	maciko	PROPN
ijtc-1512	624	8	,	,	PUNCT
ijtc-1512	624	9	l.	l.	PROPN
ijtc-1512	624	10	(	(	PUNCT
ijtc-1512	624	11	2022	2022	NUM
ijtc-1512	624	12	)	)	PUNCT
ijtc-1512	624	13	.	.	PUNCT
ijtc-1512	625	1	financial	financial	ADJ
ijtc-1512	625	2	inclusion	inclusion	NOUN
ijtc-1512	625	3	in	in	ADP
ijtc-1512	625	4	rural	rural	ADJ
ijtc-1512	625	5	south	south	PROPN
ijtc-1512	625	6	africa	africa	PROPN
ijtc-1512	625	7	:	:	PUNCT
ijtc-1512	625	8	a	a	DET
ijtc-1512	625	9	qualitative	qualitative	ADJ
ijtc-1512	625	10	approach	approach	NOUN
ijtc-1512	625	11	.	.	PUNCT
ijtc-1512	626	1	journal	journal	NOUN
ijtc-1512	626	2	of	of	ADP
ijtc-1512	626	3	risk	risk	NOUN
ijtc-1512	626	4	and	and	CCONJ
ijtc-1512	626	5	financial	financial	ADJ
ijtc-1512	626	6	management	management	NOUN
ijtc-1512	626	7	.	.	PUNCT
ijtc-1512	627	1	https://www.mdpi.com	https://www.mdpi.com	X
ijtc-1512	628	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1512	628	2	https://www.cambridge.org/	https://www.cambridge.org/	NOUN
ijtc-1512	628	3	https://www.worldbank.org/	https://www.worldbank.org/	X
ijtc-1512	628	4	https://www.plos.org/	https://www.plos.org/	X
ijtc-1512	628	5	https://www.up.ac.za/	https://www.up.ac.za/	ADJ
ijtc-1512	628	6	https://www.mckinsey.com/	https://www.mckinsey.com/	NOUN
ijtc-1512	628	7	https://www.nih.gov/	https://www.nih.gov/	ADJ
ijtc-1512	628	8	https://www.polimi.it/	https://www.polimi.it/	NUM
ijtc-1512	628	9	https://www.uj.ac.za/	https://www.uj.ac.za/	NOUN
ijtc-1512	628	10	https://www.core.ac.uk/	https://www.core.ac.uk/	PROPN
ijtc-1512	628	11	https://www.springer.com/	https://www.springer.com/	ADJ
ijtc-1512	628	12	https://www.mdpi.com/	https://www.mdpi.com/	NOUN
ijtc-1512	628	13	https://www.mdpi.com/	https://www.mdpi.com/	NOUN
ijtc-1512	628	14	examining	examine	VERB
ijtc-1512	628	15	the	the	DET
ijtc-1512	628	16	management	management	NOUN
ijtc-1512	628	17	impact	impact	NOUN
ijtc-1512	628	18	:	:	PUNCT
ijtc-1512	628	19	a	a	DET
ijtc-1512	628	20	literature	literature	NOUN
ijtc-1512	628	21	review	review	NOUN
ijtc-1512	628	22	on	on	ADP
ijtc-1512	628	23	the	the	DET
ijtc-1512	628	24	phasing	phasing	NOUN
ijtc-1512	628	25	out	out	ADP
ijtc-1512	628	26	of	of	ADP
ijtc-1512	628	27	cheques	cheque	NOUN
ijtc-1512	628	28	in	in	ADP
ijtc-1512	628	29	south	south	PROPN
ijtc-1512	628	30	africa	africa	PROPN
ijtc-1512	628	31	abrahams	abrahams	PROPN
ijtc-1512	628	32	and	and	CCONJ
ijtc-1512	628	33	pretorius	pretorius	NOUN
ijtc-1512	628	34	23	23	NUM
ijtc-1512	628	35	|	|	ADV
ijtc-1512	628	36	ilomata	ilomata	PROPN
ijtc-1512	628	37	international	international	ADJ
ijtc-1512	628	38	journal	journal	NOUN
ijtc-1512	628	39	of	of	ADP
ijtc-1512	628	40	tax	tax	PROPN
ijtc-1512	628	41	&	&	CCONJ
ijtc-1512	628	42	accounting	account	VERB
ijtc-1512	628	43	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	628	44	simatele	simatele	NOUN
ijtc-1512	628	45	,	,	PUNCT
ijtc-1512	628	46	m.	m.	NOUN
ijtc-1512	628	47	,	,	PUNCT
ijtc-1512	628	48	&	&	CCONJ
ijtc-1512	628	49	mbedzi	mbedzi	PROPN
ijtc-1512	628	50	,	,	PUNCT
ijtc-1512	628	51	e.	e.	PROPN
ijtc-1512	628	52	(	(	PUNCT
ijtc-1512	628	53	2021	2021	NUM
ijtc-1512	628	54	)	)	PUNCT
ijtc-1512	628	55	.	.	PUNCT
ijtc-1512	629	1	consumer	consumer	NOUN
ijtc-1512	629	2	payment	payment	NOUN
ijtc-1512	629	3	choices	choice	NOUN
ijtc-1512	629	4	,	,	PUNCT
ijtc-1512	629	5	costs	cost	NOUN
ijtc-1512	629	6	,	,	PUNCT
ijtc-1512	629	7	and	and	CCONJ
ijtc-1512	629	8	risks	risk	NOUN
ijtc-1512	629	9	:	:	PUNCT
ijtc-1512	629	10	evidence	evidence	NOUN
ijtc-1512	629	11	from	from	ADP
ijtc-1512	629	12	zimbabwe	zimbabwe	PROPN
ijtc-1512	629	13	.	.	PUNCT
ijtc-1512	630	1	cogent	cogent	NOUN
ijtc-1512	630	2	economics	economic	NOUN
ijtc-1512	630	3	&	&	CCONJ
ijtc-1512	630	4	finance	finance	PROPN
ijtc-1512	630	5	.	.	PUNCT
ijtc-1512	630	6	https://www.tandfonline.com	https://www.tandfonline.com	X
ijtc-1512	631	1	skovgaard‐smith	skovgaard‐smith	PROPN
ijtc-1512	631	2	,	,	PUNCT
ijtc-1512	631	3	i.	i.	NOUN
ijtc-1512	631	4	(	(	PUNCT
ijtc-1512	631	5	2023	2023	NUM
ijtc-1512	631	6	)	)	PUNCT
ijtc-1512	631	7	.	.	PUNCT
ijtc-1512	632	1	transnational	transnational	ADJ
ijtc-1512	632	2	life	life	NOUN
ijtc-1512	632	3	and	and	CCONJ
ijtc-1512	632	4	cross‐border	cross‐border	ADJ
ijtc-1512	632	5	immobility	immobility	NOUN
ijtc-1512	632	6	in	in	ADP
ijtc-1512	632	7	pandemic	pandemic	ADJ
ijtc-1512	632	8	times	time	NOUN
ijtc-1512	632	9	.	.	PUNCT
ijtc-1512	633	1	global	global	ADJ
ijtc-1512	633	2	networks	network	NOUN
ijtc-1512	633	3	.	.	PUNCT
ijtc-1512	634	1	https://www.researchgate.net	https://www.researchgate.net	PROPN
ijtc-1512	634	2	smith	smith	PROPN
ijtc-1512	634	3	,	,	PUNCT
ijtc-1512	634	4	k.	k.	PROPN
ijtc-1512	634	5	(	(	PUNCT
ijtc-1512	634	6	2021	2021	NUM
ijtc-1512	634	7	)	)	PUNCT
ijtc-1512	634	8	.	.	PUNCT
ijtc-1512	635	1	challenges	challenge	NOUN
ijtc-1512	635	2	combating	combat	VERB
ijtc-1512	635	3	money	money	NOUN
ijtc-1512	635	4	laundering	laundering	NOUN
ijtc-1512	635	5	in	in	ADP
ijtc-1512	635	6	the	the	DET
ijtc-1512	635	7	real	real	ADJ
ijtc-1512	635	8	estate	estate	NOUN
ijtc-1512	635	9	sector	sector	NOUN
ijtc-1512	635	10	in	in	ADP
ijtc-1512	635	11	south	south	PROPN
ijtc-1512	635	12	africa	africa	PROPN
ijtc-1512	635	13	.	.	PUNCT
ijtc-1512	636	1	https://www.uwc.ac.za	https://www.uwc.ac.za	PROPN
ijtc-1512	636	2	srouji	srouji	PROPN
ijtc-1512	636	3	,	,	PUNCT
ijtc-1512	636	4	j.	j.	PROPN
ijtc-1512	636	5	(	(	PUNCT
ijtc-1512	636	6	2020	2020	NUM
ijtc-1512	636	7	)	)	PUNCT
ijtc-1512	636	8	.	.	PUNCT
ijtc-1512	637	1	digital	digital	ADJ
ijtc-1512	637	2	payments	payment	NOUN
ijtc-1512	637	3	,	,	PUNCT
ijtc-1512	637	4	the	the	DET
ijtc-1512	637	5	cashless	cashless	NOUN
ijtc-1512	637	6	economy	economy	NOUN
ijtc-1512	637	7	,	,	PUNCT
ijtc-1512	637	8	and	and	CCONJ
ijtc-1512	637	9	financial	financial	ADJ
ijtc-1512	637	10	inclusion	inclusion	NOUN
ijtc-1512	637	11	in	in	ADP
ijtc-1512	637	12	the	the	DET
ijtc-1512	637	13	united	united	PROPN
ijtc-1512	637	14	arab	arab	PROPN
ijtc-1512	637	15	emirates	emirates	PROPN
ijtc-1512	637	16	:	:	PUNCT
ijtc-1512	637	17	why	why	SCONJ
ijtc-1512	637	18	is	be	AUX
ijtc-1512	637	19	everyone	everyone	PRON
ijtc-1512	637	20	still	still	ADV
ijtc-1512	637	21	transacting	transact	VERB
ijtc-1512	637	22	in	in	ADP
ijtc-1512	637	23	cash	cash	NOUN
ijtc-1512	637	24	?	?	PUNCT
ijtc-1512	638	1	journal	journal	NOUN
ijtc-1512	638	2	of	of	ADP
ijtc-1512	638	3	risk	risk	NOUN
ijtc-1512	638	4	and	and	CCONJ
ijtc-1512	638	5	financial	financial	ADJ
ijtc-1512	638	6	management	management	NOUN
ijtc-1512	638	7	,	,	PUNCT
ijtc-1512	638	8	13(11	13(11	NUM
ijtc-1512	638	9	)	)	PUNCT
ijtc-1512	638	10	,	,	PUNCT
ijtc-1512	638	11	article	article	NOUN
ijtc-1512	638	12	274	274	NUM
ijtc-1512	638	13	.	.	PUNCT
ijtc-1512	638	14	https://www.mdpi.com	https://www.mdpi.com	X
ijtc-1512	639	1	telukdarie	telukdarie	PROPN
ijtc-1512	639	2	,	,	PUNCT
ijtc-1512	639	3	a.	a.	NOUN
ijtc-1512	639	4	,	,	PUNCT
ijtc-1512	639	5	dube	dube	PROPN
ijtc-1512	639	6	,	,	PUNCT
ijtc-1512	639	7	t.	t.	PROPN
ijtc-1512	639	8	,	,	PUNCT
ijtc-1512	639	9	matjuta	matjuta	ADJ
ijtc-1512	639	10	,	,	PUNCT
ijtc-1512	639	11	p.	p.	NOUN
ijtc-1512	639	12	,	,	PUNCT
ijtc-1512	639	13	&	&	CCONJ
ijtc-1512	639	14	philbin	philbin	PROPN
ijtc-1512	639	15	,	,	PUNCT
ijtc-1512	639	16	s.	s.	PROPN
ijtc-1512	639	17	(	(	PUNCT
ijtc-1512	639	18	2023	2023	NUM
ijtc-1512	639	19	)	)	PUNCT
ijtc-1512	639	20	.	.	PUNCT
ijtc-1512	640	1	the	the	DET
ijtc-1512	640	2	opportunities	opportunity	NOUN
ijtc-1512	640	3	and	and	CCONJ
ijtc-1512	640	4	challenges	challenge	NOUN
ijtc-1512	640	5	of	of	ADP
ijtc-1512	640	6	digitalization	digitalization	NOUN
ijtc-1512	640	7	for	for	ADP
ijtc-1512	640	8	smes	sme	NOUN
ijtc-1512	640	9	.	.	PUNCT
ijtc-1512	641	1	procedia	procedia	PROPN
ijtc-1512	641	2	computer	computer	NOUN
ijtc-1512	641	3	science	science	NOUN
ijtc-1512	641	4	,	,	PUNCT
ijtc-1512	641	5	219	219	NUM
ijtc-1512	641	6	,	,	PUNCT
ijtc-1512	641	7	1018–1024	1018–1024	NUM
ijtc-1512	641	8	.	.	PUNCT
ijtc-1512	641	9	https://www.sciencedirect.com	https://www.sciencedirect.com	X
ijtc-1512	642	1	tentu	tentu	PROPN
ijtc-1512	642	2	,	,	PUNCT
ijtc-1512	642	3	l.	l.	PROPN
ijtc-1512	642	4	(	(	PUNCT
ijtc-1512	642	5	2023	2023	NUM
ijtc-1512	642	6	)	)	PUNCT
ijtc-1512	642	7	.	.	PUNCT
ijtc-1512	643	1	consumers	consumer	NOUN
ijtc-1512	643	2	'	'	PART
ijtc-1512	643	3	rights	right	NOUN
ijtc-1512	643	4	and	and	CCONJ
ijtc-1512	643	5	challenges	challenge	NOUN
ijtc-1512	643	6	of	of	ADP
ijtc-1512	643	7	the	the	DET
ijtc-1512	643	8	socio	socio	NOUN
ijtc-1512	643	9	-	-	PUNCT
ijtc-1512	643	10	economically	economically	ADV
ijtc-1512	643	11	disadvantaged	disadvantaged	ADJ
ijtc-1512	643	12	:	:	PUNCT
ijtc-1512	643	13	implications	implication	NOUN
ijtc-1512	643	14	of	of	ADP
ijtc-1512	643	15	the	the	DET
ijtc-1512	643	16	consumer	consumer	NOUN
ijtc-1512	643	17	protection	protection	NOUN
ijtc-1512	643	18	act	act	NOUN
ijtc-1512	643	19	68	68	NUM
ijtc-1512	643	20	of	of	ADP
ijtc-1512	643	21	2008	2008	NUM
ijtc-1512	643	22	.	.	PUNCT
ijtc-1512	644	1	https://www.dut.ac.za	https://www.dut.ac.za	PROPN
ijtc-1512	644	2	tesche	tesche	NOUN
ijtc-1512	644	3	,	,	PUNCT
ijtc-1512	644	4	t.	t.	PROPN
ijtc-1512	644	5	(	(	PUNCT
ijtc-1512	644	6	2022	2022	NUM
ijtc-1512	644	7	)	)	PUNCT
ijtc-1512	644	8	.	.	PUNCT
ijtc-1512	645	1	pandemic	pandemic	ADJ
ijtc-1512	645	2	politics	politic	NOUN
ijtc-1512	645	3	:	:	PUNCT
ijtc-1512	645	4	the	the	DET
ijtc-1512	645	5	european	european	PROPN
ijtc-1512	645	6	union	union	PROPN
ijtc-1512	645	7	in	in	ADP
ijtc-1512	645	8	times	time	NOUN
ijtc-1512	645	9	of	of	ADP
ijtc-1512	645	10	the	the	DET
ijtc-1512	645	11	coronavirus	coronavirus	NOUN
ijtc-1512	645	12	emergency	emergency	NOUN
ijtc-1512	645	13	.	.	PUNCT
ijtc-1512	646	1	jcms	jcms	PROPN
ijtc-1512	646	2	:	:	PUNCT
ijtc-1512	646	3	journal	journal	NOUN
ijtc-1512	646	4	of	of	ADP
ijtc-1512	646	5	common	common	ADJ
ijtc-1512	646	6	market	market	NOUN
ijtc-1512	646	7	studies	study	NOUN
ijtc-1512	646	8	.	.	PUNCT
ijtc-1512	646	9	https://www.wiley.com	https://www.wiley.com	X
ijtc-1512	647	1	tetlow	tetlow	PROPN
ijtc-1512	647	2	,	,	PUNCT
ijtc-1512	647	3	g.	g.	PROPN
ijtc-1512	647	4	,	,	PUNCT
ijtc-1512	647	5	&	&	CCONJ
ijtc-1512	647	6	dalton	dalton	PROPN
ijtc-1512	647	7	,	,	PUNCT
ijtc-1512	647	8	g.	g.	PROPN
ijtc-1512	647	9	(	(	PUNCT
ijtc-1512	647	10	2020	2020	NUM
ijtc-1512	647	11	)	)	PUNCT
ijtc-1512	647	12	.	.	PUNCT
ijtc-1512	648	1	support	support	NOUN
ijtc-1512	648	2	for	for	ADP
ijtc-1512	648	3	business	business	NOUN
ijtc-1512	648	4	during	during	ADP
ijtc-1512	648	5	the	the	DET
ijtc-1512	648	6	coronavirus	coronavirus	NOUN
ijtc-1512	648	7	crisis	crisis	NOUN
ijtc-1512	648	8	:	:	PUNCT
ijtc-1512	648	9	an	an	DET
ijtc-1512	648	10	international	international	ADJ
ijtc-1512	648	11	comparison	comparison	NOUN
ijtc-1512	648	12	.	.	PUNCT
ijtc-1512	649	1	torkelson	torkelson	NOUN
ijtc-1512	649	2	,	,	PUNCT
ijtc-1512	649	3	e.	e.	PROPN
ijtc-1512	649	4	(	(	PUNCT
ijtc-1512	649	5	2020	2020	NUM
ijtc-1512	649	6	)	)	PUNCT
ijtc-1512	649	7	.	.	PUNCT
ijtc-1512	650	1	collateral	collateral	ADJ
ijtc-1512	650	2	damages	damage	NOUN
ijtc-1512	650	3	:	:	PUNCT
ijtc-1512	650	4	cash	cash	NOUN
ijtc-1512	650	5	transfer	transfer	NOUN
ijtc-1512	650	6	and	and	CCONJ
ijtc-1512	650	7	debt	debt	NOUN
ijtc-1512	650	8	transfer	transfer	NOUN
ijtc-1512	650	9	in	in	ADP
ijtc-1512	650	10	south	south	PROPN
ijtc-1512	650	11	africa	africa	PROPN
ijtc-1512	650	12	.	.	PUNCT
ijtc-1512	651	1	world	world	PROPN
ijtc-1512	651	2	development	development	PROPN
ijtc-1512	651	3	.	.	PUNCT
ijtc-1512	652	1	https://www.opensecrets.org.za	https://www.opensecrets.org.za	X
ijtc-1512	652	2	tut	tut	PROPN
ijtc-1512	652	3	,	,	PUNCT
ijtc-1512	652	4	d.	d.	PROPN
ijtc-1512	652	5	(	(	PUNCT
ijtc-1512	652	6	2023	2023	NUM
ijtc-1512	652	7	)	)	PUNCT
ijtc-1512	652	8	.	.	PUNCT
ijtc-1512	653	1	fintech	fintech	NOUN
ijtc-1512	653	2	and	and	CCONJ
ijtc-1512	653	3	the	the	DET
ijtc-1512	653	4	covid-19	covid-19	PROPN
ijtc-1512	653	5	pandemic	pandemic	NOUN
ijtc-1512	653	6	:	:	PUNCT
ijtc-1512	653	7	evidence	evidence	NOUN
ijtc-1512	653	8	from	from	ADP
ijtc-1512	653	9	electronic	electronic	ADJ
ijtc-1512	653	10	payment	payment	NOUN
ijtc-1512	653	11	systems	system	NOUN
ijtc-1512	653	12	.	.	PUNCT
ijtc-1512	654	1	emerging	emerge	VERB
ijtc-1512	654	2	markets	market	NOUN
ijtc-1512	654	3	review	review	NOUN
ijtc-1512	654	4	.	.	PUNCT
ijtc-1512	655	1	https://www.nih.gov	https://www.nih.gov	ADJ
ijtc-1512	655	2	uddin	uddin	PROPN
ijtc-1512	655	3	,	,	PUNCT
ijtc-1512	655	4	m.	m.	PROPN
ijtc-1512	655	5	h.	h.	PROPN
ijtc-1512	655	6	,	,	PUNCT
ijtc-1512	655	7	akter	akter	PROPN
ijtc-1512	655	8	,	,	PUNCT
ijtc-1512	655	9	s.	s.	PROPN
ijtc-1512	655	10	,	,	PUNCT
ijtc-1512	655	11	mollah	mollah	PROPN
ijtc-1512	655	12	,	,	PUNCT
ijtc-1512	655	13	s.	s.	PROPN
ijtc-1512	655	14	,	,	PUNCT
ijtc-1512	655	15	&	&	CCONJ
ijtc-1512	655	16	al	al	PROPN
ijtc-1512	655	17	mahi	mahi	PROPN
ijtc-1512	655	18	,	,	PUNCT
ijtc-1512	655	19	m.	m.	NOUN
ijtc-1512	655	20	(	(	PUNCT
ijtc-1512	655	21	2022	2022	NUM
ijtc-1512	655	22	)	)	PUNCT
ijtc-1512	655	23	.	.	PUNCT
ijtc-1512	656	1	differences	difference	NOUN
ijtc-1512	656	2	in	in	ADP
ijtc-1512	656	3	bank	bank	NOUN
ijtc-1512	656	4	and	and	CCONJ
ijtc-1512	656	5	microfinance	microfinance	NOUN
ijtc-1512	656	6	business	business	NOUN
ijtc-1512	656	7	models	model	NOUN
ijtc-1512	656	8	:	:	PUNCT
ijtc-1512	656	9	an	an	DET
ijtc-1512	656	10	analysis	analysis	NOUN
ijtc-1512	656	11	of	of	ADP
ijtc-1512	656	12	the	the	DET
ijtc-1512	656	13	loan	loan	NOUN
ijtc-1512	656	14	monitoring	monitoring	NOUN
ijtc-1512	656	15	systems	system	NOUN
ijtc-1512	656	16	and	and	CCONJ
ijtc-1512	656	17	funding	funding	NOUN
ijtc-1512	656	18	sources	source	NOUN
ijtc-1512	656	19	.	.	PUNCT
ijtc-1512	657	1	journal	journal	PROPN
ijtc-1512	657	2	of	of	ADP
ijtc-1512	657	3	international	international	ADJ
ijtc-1512	657	4	financial	financial	ADJ
ijtc-1512	657	5	markets	market	NOUN
ijtc-1512	657	6	,	,	PUNCT
ijtc-1512	657	7	institutions	institution	NOUN
ijtc-1512	657	8	and	and	CCONJ
ijtc-1512	657	9	money	money	NOUN
ijtc-1512	657	10	,	,	PUNCT
ijtc-1512	657	11	80	80	NUM
ijtc-1512	657	12	,	,	PUNCT
ijtc-1512	657	13	article	article	NOUN
ijtc-1512	657	14	101644	101644	NUM
ijtc-1512	657	15	.	.	PUNCT
ijtc-1512	658	1	una	una	PROPN
ijtc-1512	658	2	,	,	PUNCT
ijtc-1512	658	3	g.	g.	PROPN
ijtc-1512	658	4	,	,	PUNCT
ijtc-1512	658	5	van	van	PROPN
ijtc-1512	658	6	eden	eden	PROPN
ijtc-1512	658	7	,	,	PUNCT
ijtc-1512	658	8	h.	h.	PROPN
ijtc-1512	658	9	,	,	PUNCT
ijtc-1512	658	10	singh	singh	PROPN
ijtc-1512	658	11	,	,	PUNCT
ijtc-1512	658	12	a.	a.	NOUN
ijtc-1512	658	13	,	,	PUNCT
ijtc-1512	658	14	bardella	bardella	NOUN
ijtc-1512	658	15	,	,	PUNCT
ijtc-1512	658	16	f.	f.	PROPN
ijtc-1512	658	17	,	,	PUNCT
ijtc-1512	658	18	&	&	CCONJ
ijtc-1512	658	19	verma	verma	PROPN
ijtc-1512	658	20	,	,	PUNCT
ijtc-1512	658	21	a.	a.	NOUN
ijtc-1512	658	22	(	(	PUNCT
ijtc-1512	658	23	2020	2020	NUM
ijtc-1512	658	24	)	)	PUNCT
ijtc-1512	658	25	.	.	PUNCT
ijtc-1512	659	1	enhancing	enhance	VERB
ijtc-1512	659	2	digital	digital	ADJ
ijtc-1512	659	3	solutions	solution	NOUN
ijtc-1512	659	4	to	to	PART
ijtc-1512	659	5	implement	implement	VERB
ijtc-1512	659	6	emergency	emergency	NOUN
ijtc-1512	659	7	responses	response	NOUN
ijtc-1512	659	8	.	.	PUNCT
ijtc-1512	660	1	special	special	ADJ
ijtc-1512	660	2	series	series	NOUN
ijtc-1512	660	3	on	on	ADP
ijtc-1512	660	4	fiscal	fiscal	ADJ
ijtc-1512	660	5	policies	policy	NOUN
ijtc-1512	660	6	to	to	PART
ijtc-1512	660	7	respond	respond	VERB
ijtc-1512	660	8	to	to	ADP
ijtc-1512	660	9	covid-19	covid-19	PROPN
ijtc-1512	660	10	.	.	PUNCT
ijtc-1512	661	1	international	international	ADJ
ijtc-1512	661	2	monetary	monetary	ADJ
ijtc-1512	661	3	fund	fund	PROPN
ijtc-1512	661	4	.	.	PUNCT
ijtc-1512	662	1	https://www.imf.org	https://www.imf.org	PROPN
ijtc-1512	662	2	urban	urban	PROPN
ijtc-1512	662	3	,	,	PUNCT
ijtc-1512	662	4	b.	b.	PROPN
ijtc-1512	662	5	,	,	PUNCT
ijtc-1512	662	6	&	&	CCONJ
ijtc-1512	662	7	townsend	townsend	PROPN
ijtc-1512	662	8	,	,	PUNCT
ijtc-1512	662	9	s.	s.	PROPN
ijtc-1512	662	10	a.	a.	PROPN
ijtc-1512	662	11	(	(	PUNCT
ijtc-1512	662	12	2021	2021	NUM
ijtc-1512	662	13	)	)	PUNCT
ijtc-1512	662	14	.	.	PUNCT
ijtc-1512	663	1	tymebank	tymebank	NOUN
ijtc-1512	663	2	:	:	PUNCT
ijtc-1512	663	3	digital	digital	ADJ
ijtc-1512	663	4	disruption	disruption	NOUN
ijtc-1512	663	5	in	in	ADP
ijtc-1512	663	6	sa	sa	PROPN
ijtc-1512	663	7	's	's	PART
ijtc-1512	663	8	banking	banking	NOUN
ijtc-1512	663	9	sector	sector	NOUN
ijtc-1512	663	10	.	.	PUNCT
ijtc-1512	664	1	emerald	emerald	NOUN
ijtc-1512	664	2	emerging	emerge	VERB
ijtc-1512	664	3	markets	market	NOUN
ijtc-1512	664	4	case	case	NOUN
ijtc-1512	664	5	studies	study	NOUN
ijtc-1512	664	6	.	.	PUNCT
ijtc-1512	665	1	van	van	PROPN
ijtc-1512	665	2	wyk	wyk	PROPN
ijtc-1512	665	3	,	,	PUNCT
ijtc-1512	665	4	a.	a.	NOUN
ijtc-1512	665	5	(	(	PUNCT
ijtc-1512	665	6	2020	2020	NUM
ijtc-1512	665	7	)	)	PUNCT
ijtc-1512	665	8	.	.	PUNCT
ijtc-1512	666	1	an	an	DET
ijtc-1512	666	2	analysis	analysis	NOUN
ijtc-1512	666	3	of	of	ADP
ijtc-1512	666	4	anti	anti	ADJ
ijtc-1512	666	5	-	-	ADJ
ijtc-1512	666	6	money	money	ADJ
ijtc-1512	666	7	laundering	laundering	NOUN
ijtc-1512	666	8	measures	measure	NOUN
ijtc-1512	666	9	in	in	ADP
ijtc-1512	666	10	the	the	DET
ijtc-1512	666	11	south	south	ADJ
ijtc-1512	666	12	african	african	ADJ
ijtc-1512	666	13	real	real	ADJ
ijtc-1512	666	14	estate	estate	NOUN
ijtc-1512	666	15	sector	sector	NOUN
ijtc-1512	666	16	.	.	PUNCT
ijtc-1512	667	1	https://www.nwu.ac.za	https://www.nwu.ac.za	PROPN
ijtc-1512	667	2	van	van	PROPN
ijtc-1512	667	3	zanden	zanden	PROPN
ijtc-1512	667	4	,	,	PUNCT
ijtc-1512	667	5	j.	j.	PROPN
ijtc-1512	667	6	l.	l.	PROPN
ijtc-1512	667	7	(	(	PUNCT
ijtc-1512	667	8	2023	2023	NUM
ijtc-1512	667	9	)	)	PUNCT
ijtc-1512	667	10	.	.	PUNCT
ijtc-1512	668	1	examining	examine	VERB
ijtc-1512	668	2	the	the	DET
ijtc-1512	668	3	relationship	relationship	NOUN
ijtc-1512	668	4	of	of	ADP
ijtc-1512	668	5	information	information	NOUN
ijtc-1512	668	6	and	and	CCONJ
ijtc-1512	668	7	communication	communication	NOUN
ijtc-1512	668	8	technology	technology	NOUN
ijtc-1512	668	9	and	and	CCONJ
ijtc-1512	668	10	financial	financial	ADJ
ijtc-1512	668	11	access	access	NOUN
ijtc-1512	668	12	in	in	ADP
ijtc-1512	668	13	africa	africa	PROPN
ijtc-1512	668	14	.	.	PUNCT
ijtc-1512	669	1	journal	journal	PROPN
ijtc-1512	669	2	of	of	ADP
ijtc-1512	669	3	business	business	NOUN
ijtc-1512	669	4	and	and	CCONJ
ijtc-1512	669	5	economic	economic	ADJ
ijtc-1512	669	6	options	option	NOUN
ijtc-1512	669	7	.	.	PUNCT
ijtc-1512	670	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	670	2	https://www.tandfonline.com/	https://www.tandfonline.com/	PROPN
ijtc-1512	670	3	https://www.researchgate.net/	https://www.researchgate.net/	PROPN
ijtc-1512	670	4	https://www.uwc.ac.za/	https://www.uwc.ac.za/	PROPN
ijtc-1512	670	5	https://www.mdpi.com/	https://www.mdpi.com/	PROPN
ijtc-1512	670	6	https://www.sciencedirect.com/	https://www.sciencedirect.com/	PROPN
ijtc-1512	670	7	https://www.dut.ac.za/	https://www.dut.ac.za/	PROPN
ijtc-1512	670	8	https://www.wiley.com/	https://www.wiley.com/	NOUN
ijtc-1512	670	9	https://www.opensecrets.org.za/	https://www.opensecrets.org.za/	PROPN
ijtc-1512	670	10	https://www.nih.gov/	https://www.nih.gov/	PROPN
ijtc-1512	670	11	https://www.imf.org/	https://www.imf.org/	ADJ
ijtc-1512	670	12	https://www.nwu.ac.za/	https://www.nwu.ac.za/	PROPN
ijtc-1512	670	13	examining	examine	VERB
ijtc-1512	670	14	the	the	DET
ijtc-1512	670	15	management	management	NOUN
ijtc-1512	670	16	impact	impact	NOUN
ijtc-1512	670	17	:	:	PUNCT
ijtc-1512	670	18	a	a	DET
ijtc-1512	670	19	literature	literature	NOUN
ijtc-1512	670	20	review	review	NOUN
ijtc-1512	670	21	on	on	ADP
ijtc-1512	670	22	the	the	DET
ijtc-1512	670	23	phasing	phasing	NOUN
ijtc-1512	670	24	out	out	ADP
ijtc-1512	670	25	of	of	ADP
ijtc-1512	670	26	cheques	cheque	NOUN
ijtc-1512	670	27	in	in	ADP
ijtc-1512	670	28	south	south	PROPN
ijtc-1512	670	29	africa	africa	PROPN
ijtc-1512	670	30	abrahams	abrahams	PROPN
ijtc-1512	670	31	and	and	CCONJ
ijtc-1512	670	32	pretorius	pretorius	NOUN
ijtc-1512	670	33	24	24	NUM
ijtc-1512	670	34	|	|	ADV
ijtc-1512	670	35	ilomata	ilomata	PROPN
ijtc-1512	670	36	international	international	ADJ
ijtc-1512	670	37	journal	journal	NOUN
ijtc-1512	670	38	of	of	ADP
ijtc-1512	670	39	tax	tax	PROPN
ijtc-1512	670	40	&	&	CCONJ
ijtc-1512	670	41	accounting	accounting	PROPN
ijtc-1512	670	42	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	670	43	vermeulen	vermeulen	PROPN
ijtc-1512	670	44	,	,	PUNCT
ijtc-1512	670	45	c.	c.	PROPN
ijtc-1512	670	46	(	(	PUNCT
ijtc-1512	670	47	2021	2021	NUM
ijtc-1512	670	48	)	)	PUNCT
ijtc-1512	670	49	.	.	PUNCT
ijtc-1512	671	1	one	one	NUM
ijtc-1512	671	2	hundred	hundred	NUM
ijtc-1512	671	3	years	year	NOUN
ijtc-1512	671	4	of	of	ADP
ijtc-1512	671	5	private	private	ADJ
ijtc-1512	671	6	shareholding	shareholding	NOUN
ijtc-1512	671	7	in	in	ADP
ijtc-1512	671	8	the	the	DET
ijtc-1512	671	9	south	south	ADJ
ijtc-1512	671	10	african	african	PROPN
ijtc-1512	671	11	reserve	reserve	PROPN
ijtc-1512	671	12	bank	bank	PROPN
ijtc-1512	671	13	.	.	PUNCT
ijtc-1512	672	1	economic	economic	ADJ
ijtc-1512	672	2	history	history	NOUN
ijtc-1512	672	3	of	of	ADP
ijtc-1512	672	4	developing	develop	VERB
ijtc-1512	672	5	regions	region	NOUN
ijtc-1512	672	6	.	.	PUNCT
ijtc-1512	673	1	retrieved	retrieve	VERB
ijtc-1512	673	2	from	from	ADP
ijtc-1512	673	3	https://journals.co.za	https://journals.co.za	PRON
ijtc-1512	673	4	webb	webb	PROPN
ijtc-1512	673	5	,	,	PUNCT
ijtc-1512	673	6	c.	c.	PROPN
ijtc-1512	673	7	,	,	PUNCT
ijtc-1512	673	8	&	&	CCONJ
ijtc-1512	673	9	vanqa	vanqa	PROPN
ijtc-1512	673	10	mgijima	mgijima	PROPN
ijtc-1512	673	11	,	,	PUNCT
ijtc-1512	673	12	n.	n.	NOUN
ijtc-1512	673	13	(	(	PUNCT
ijtc-1512	673	14	2024	2024	NUM
ijtc-1512	673	15	)	)	PUNCT
ijtc-1512	673	16	.	.	PUNCT
ijtc-1512	674	1	financial	financial	ADJ
ijtc-1512	674	2	inclusion	inclusion	NOUN
ijtc-1512	674	3	and	and	CCONJ
ijtc-1512	674	4	the	the	DET
ijtc-1512	674	5	contested	contested	ADJ
ijtc-1512	674	6	infrastructures	infrastructure	NOUN
ijtc-1512	674	7	of	of	ADP
ijtc-1512	674	8	cash	cash	NOUN
ijtc-1512	674	9	transfer	transfer	NOUN
ijtc-1512	674	10	payments	payment	NOUN
ijtc-1512	674	11	in	in	ADP
ijtc-1512	674	12	south	south	PROPN
ijtc-1512	674	13	africa	africa	PROPN
ijtc-1512	674	14	.	.	PUNCT
ijtc-1512	675	1	global	global	ADJ
ijtc-1512	675	2	social	social	ADJ
ijtc-1512	675	3	policy	policy	NOUN
ijtc-1512	675	4	.	.	PUNCT
ijtc-1512	676	1	xu	xu	PROPN
ijtc-1512	676	2	,	,	PUNCT
ijtc-1512	676	3	j.	j.	PROPN
ijtc-1512	676	4	,	,	PUNCT
ijtc-1512	676	5	&	&	CCONJ
ijtc-1512	676	6	gao	gao	PROPN
ijtc-1512	676	7	,	,	PUNCT
ijtc-1512	676	8	x.	x.	NOUN
ijtc-1512	676	9	(	(	PUNCT
ijtc-1512	676	10	2021	2021	NUM
ijtc-1512	676	11	)	)	PUNCT
ijtc-1512	676	12	.	.	PUNCT
ijtc-1512	677	1	e	e	X
ijtc-1512	677	2	-	-	NOUN
ijtc-1512	677	3	payment	payment	NOUN
ijtc-1512	677	4	systems	system	NOUN
ijtc-1512	677	5	,	,	PUNCT
ijtc-1512	677	6	e	e	NOUN
ijtc-1512	677	7	-	-	NOUN
ijtc-1512	677	8	marketing	marketing	NOUN
ijtc-1512	677	9	,	,	PUNCT
ijtc-1512	677	10	and	and	CCONJ
ijtc-1512	677	11	e	e	NOUN
ijtc-1512	677	12	-	-	NOUN
ijtc-1512	677	13	advertising	advertising	NOUN
ijtc-1512	677	14	.	.	PUNCT
ijtc-1512	678	1	in	in	ADP
ijtc-1512	678	2	e	e	NOUN
ijtc-1512	678	3	-	-	NOUN
ijtc-1512	678	4	business	business	NOUN
ijtc-1512	678	5	in	in	ADP
ijtc-1512	678	6	the	the	DET
ijtc-1512	678	7	21st	21st	ADJ
ijtc-1512	678	8	century	century	NOUN
ijtc-1512	678	9	:	:	PUNCT
ijtc-1512	678	10	essential	essential	ADJ
ijtc-1512	678	11	topics	topic	NOUN
ijtc-1512	678	12	and	and	CCONJ
ijtc-1512	678	13	studies	study	NOUN
ijtc-1512	678	14	(	(	PUNCT
ijtc-1512	678	15	vol	vol	NOUN
ijtc-1512	678	16	.	.	PUNCT
ijtc-1512	678	17	7	7	NUM
ijtc-1512	678	18	,	,	PUNCT
ijtc-1512	678	19	p.	p.	NOUN
ijtc-1512	678	20	125	125	NUM
ijtc-1512	678	21	)	)	PUNCT
ijtc-1512	678	22	.	.	PUNCT
ijtc-1512	679	1	yozi	yozi	PROPN
ijtc-1512	679	2	,	,	PUNCT
ijtc-1512	679	3	m.	m.	NOUN
ijtc-1512	679	4	(	(	PUNCT
ijtc-1512	679	5	2020	2020	NUM
ijtc-1512	679	6	)	)	PUNCT
ijtc-1512	679	7	.	.	PUNCT
ijtc-1512	680	1	the	the	DET
ijtc-1512	680	2	identification	identification	NOUN
ijtc-1512	680	3	and	and	CCONJ
ijtc-1512	680	4	verification	verification	NOUN
ijtc-1512	680	5	of	of	ADP
ijtc-1512	680	6	clients	client	NOUN
ijtc-1512	680	7	by	by	ADP
ijtc-1512	680	8	banks	bank	NOUN
ijtc-1512	680	9	in	in	ADP
ijtc-1512	680	10	south	south	PROPN
ijtc-1512	680	11	africa	africa	PROPN
ijtc-1512	680	12	:	:	PUNCT
ijtc-1512	680	13	a	a	DET
ijtc-1512	680	14	financial	financial	ADJ
ijtc-1512	680	15	intelligence	intelligence	NOUN
ijtc-1512	680	16	centre	centre	PROPN
ijtc-1512	680	17	act	act	PROPN
ijtc-1512	680	18	requirement	requirement	NOUN
ijtc-1512	680	19	.	.	PUNCT
ijtc-1512	681	1	university	university	PROPN
ijtc-1512	681	2	of	of	ADP
ijtc-1512	681	3	johannesburg	johannesburg	PROPN
ijtc-1512	681	4	.	.	PUNCT
ijtc-1512	682	1	retrieved	retrieve	VERB
ijtc-1512	682	2	from	from	ADP
ijtc-1512	682	3	https://uj.ac.za	https://uj.ac.za	PROPN
ijtc-1512	682	4	zhang	zhang	PROPN
ijtc-1512	682	5	,	,	PUNCT
ijtc-1512	682	6	l.	l.	PROPN
ijtc-1512	682	7	,	,	PUNCT
ijtc-1512	682	8	xie	xie	PROPN
ijtc-1512	682	9	,	,	PUNCT
ijtc-1512	682	10	y.	y.	PROPN
ijtc-1512	682	11	,	,	PUNCT
ijtc-1512	682	12	zheng	zheng	PROPN
ijtc-1512	682	13	,	,	PUNCT
ijtc-1512	682	14	y.	y.	PROPN
ijtc-1512	682	15	,	,	PUNCT
ijtc-1512	682	16	xue	xue	PROPN
ijtc-1512	682	17	,	,	PUNCT
ijtc-1512	682	18	w.	w.	PROPN
ijtc-1512	682	19	,	,	PUNCT
ijtc-1512	682	20	zheng	zheng	PROPN
ijtc-1512	682	21	,	,	PUNCT
ijtc-1512	682	22	x.	x.	PROPN
ijtc-1512	682	23	,	,	PUNCT
ijtc-1512	682	24	&	&	CCONJ
ijtc-1512	682	25	xu	xu	PROPN
ijtc-1512	682	26	,	,	PUNCT
ijtc-1512	682	27	x.	x.	NOUN
ijtc-1512	682	28	(	(	PUNCT
ijtc-1512	682	29	2020	2020	NUM
ijtc-1512	682	30	)	)	PUNCT
ijtc-1512	682	31	.	.	PUNCT
ijtc-1512	683	1	the	the	DET
ijtc-1512	683	2	challenges	challenge	NOUN
ijtc-1512	683	3	and	and	CCONJ
ijtc-1512	683	4	countermeasures	countermeasure	NOUN
ijtc-1512	683	5	of	of	ADP
ijtc-1512	683	6	blockchain	blockchain	PROPN
ijtc-1512	683	7	in	in	ADP
ijtc-1512	683	8	finance	finance	NOUN
ijtc-1512	683	9	and	and	CCONJ
ijtc-1512	683	10	economics	economic	NOUN
ijtc-1512	683	11	.	.	PUNCT
ijtc-1512	684	1	systems	system	NOUN
ijtc-1512	684	2	research	research	NOUN
ijtc-1512	684	3	and	and	CCONJ
ijtc-1512	684	4	behavioural	behavioural	ADJ
ijtc-1512	684	5	science	science	NOUN
ijtc-1512	684	6	,	,	PUNCT
ijtc-1512	684	7	37(4	37(4	PROPN
ijtc-1512	684	8	)	)	PUNCT
ijtc-1512	684	9	,	,	PUNCT
ijtc-1512	684	10	691	691	NUM
ijtc-1512	684	11	-	-	SYM
ijtc-1512	684	12	698	698	NUM
ijtc-1512	684	13	.	.	PUNCT
ijtc-1512	685	1	https://doi.org/10.1002/sres.2672	https://doi.org/10.1002/sres.2672	PROPN
ijtc-1512	685	2	zhang	zhang	PROPN
ijtc-1512	685	3	,	,	PUNCT
ijtc-1512	685	4	t.	t.	PROPN
ijtc-1512	685	5	,	,	PUNCT
ijtc-1512	685	6	&	&	CCONJ
ijtc-1512	685	7	huang	huang	PROPN
ijtc-1512	685	8	,	,	PUNCT
ijtc-1512	685	9	z.	z.	PROPN
ijtc-1512	685	10	(	(	PUNCT
ijtc-1512	685	11	2022	2022	NUM
ijtc-1512	685	12	)	)	PUNCT
ijtc-1512	685	13	.	.	PUNCT
ijtc-1512	686	1	blockchain	blockchain	PROPN
ijtc-1512	686	2	and	and	CCONJ
ijtc-1512	686	3	central	central	PROPN
ijtc-1512	686	4	bank	bank	PROPN
ijtc-1512	686	5	digital	digital	ADJ
ijtc-1512	686	6	currency	currency	NOUN
ijtc-1512	686	7	.	.	PUNCT
ijtc-1512	687	1	ict	ict	PROPN
ijtc-1512	687	2	express	express	PROPN
ijtc-1512	687	3	.	.	PUNCT
ijtc-1512	687	4	https://www.sciencedirect.com	https://www.sciencedirect.com	X
ijtc-1512	688	1	zitha	zitha	PROPN
ijtc-1512	688	2	,	,	PUNCT
ijtc-1512	688	3	m.	m.	NOUN
ijtc-1512	688	4	g.	g.	PROPN
ijtc-1512	688	5	(	(	PUNCT
ijtc-1512	688	6	2023	2023	NUM
ijtc-1512	688	7	)	)	PUNCT
ijtc-1512	688	8	.	.	PUNCT
ijtc-1512	689	1	the	the	DET
ijtc-1512	689	2	impact	impact	NOUN
ijtc-1512	689	3	of	of	ADP
ijtc-1512	689	4	millennium	millennium	NOUN
ijtc-1512	689	5	and	and	CCONJ
ijtc-1512	689	6	sustainable	sustainable	ADJ
ijtc-1512	689	7	development	development	NOUN
ijtc-1512	689	8	goals	goal	NOUN
ijtc-1512	689	9	on	on	ADP
ijtc-1512	689	10	women	woman	NOUN
ijtc-1512	689	11	leaders	leader	NOUN
ijtc-1512	689	12	within	within	ADP
ijtc-1512	689	13	south	south	ADJ
ijtc-1512	689	14	african	african	ADJ
ijtc-1512	689	15	schools	school	NOUN
ijtc-1512	689	16	.	.	PUNCT
ijtc-1512	690	1	post	post	ADJ
ijtc-1512	690	2	-	-	ADJ
ijtc-1512	690	3	independence	independence	ADJ
ijtc-1512	690	4	development	development	NOUN
ijtc-1512	690	5	in	in	ADP
ijtc-1512	690	6	africa	africa	PROPN
ijtc-1512	690	7	:	:	PUNCT
ijtc-1512	690	8	decolonisation	decolonisation	NOUN
ijtc-1512	690	9	and	and	CCONJ
ijtc-1512	690	10	transformation	transformation	NOUN
ijtc-1512	690	11	prospects	prospect	NOUN
ijtc-1512	690	12	(	(	PUNCT
ijtc-1512	690	13	pp	pp	ADJ
ijtc-1512	690	14	.	.	PUNCT
ijtc-1512	691	1	279	279	NUM
ijtc-1512	691	2	-	-	SYM
ijtc-1512	691	3	299	299	NUM
ijtc-1512	691	4	)	)	PUNCT
ijtc-1512	691	5	.	.	PUNCT
ijtc-1512	692	1	springer	springer	NOUN
ijtc-1512	692	2	international	international	ADJ
ijtc-1512	692	3	publishing	publishing	NOUN
ijtc-1512	692	4	.	.	PUNCT
ijtc-1512	693	1	https://doi.org/10.1007/978-3-030-96139-2_14	https://doi.org/10.1007/978-3-030-96139-2_14	PROPN
ijtc-1512	693	2	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1512	693	3	https://journals.co.za/	https://journals.co.za/	PROPN
ijtc-1512	693	4	https://uj.ac.za/	https://uj.ac.za/	PROPN
ijtc-1512	693	5	https://www.sciencedirect.com/	https://www.sciencedirect.com/	NOUN