id	sid	tid	token	lemma	pos
ijtc-443	1	1	the	the	DET
ijtc-443	1	2	illomata	illomata	PROPN
ijtc-443	1	3	international	international	PROPN
ijtc-443	1	4	journal	journal	PROPN
ijtc-443	1	5	of	of	ADP
ijtc-443	1	6	management	management	NOUN
ijtc-443	1	7	ilomata	ilomata	PROPN
ijtc-443	1	8	international	international	ADJ
ijtc-443	1	9	journal	journal	NOUN
ijtc-443	1	10	of	of	ADP
ijtc-443	1	11	tax	tax	PROPN
ijtc-443	1	12	&	&	CCONJ
ijtc-443	1	13	accounting	account	VERB
ijtc-443	1	14	p	p	PROPN
ijtc-443	1	15	-	-	PUNCT
ijtc-443	1	16	issn	issn	NOUN
ijtc-443	1	17	:	:	PUNCT
ijtc-443	1	18	2714	2714	NUM
ijtc-443	1	19	-	-	SYM
ijtc-443	1	20	9838	9838	NUM
ijtc-443	1	21	;	;	PUNCT
ijtc-443	1	22	e	e	X
ijtc-443	1	23	-	-	PUNCT
ijtc-443	1	24	issn	issn	NOUN
ijtc-443	1	25	:	:	PUNCT
ijtc-443	1	26	2714	2714	NUM
ijtc-443	1	27	-	-	SYM
ijtc-443	1	28	9846	9846	NUM
ijtc-443	1	29	volume	volume	NOUN
ijtc-443	1	30	3	3	NUM
ijtc-443	1	31	,	,	PUNCT
ijtc-443	1	32	issue	issue	NOUN
ijtc-443	1	33	2	2	NUM
ijtc-443	1	34	april	april	PROPN
ijtc-443	1	35	2022	2022	NUM
ijtc-443	1	36	page	page	NOUN
ijtc-443	2	1	no	no	NOUN
ijtc-443	2	2	.	.	NOUN
ijtc-443	3	1	139	139	NUM
ijtc-443	3	2	-	-	SYM
ijtc-443	3	3	149	149	NUM
ijtc-443	3	4	139|	139|	NUM
ijtc-443	3	5	ilomata	ilomata	NOUN
ijtc-443	3	6	international	international	ADJ
ijtc-443	3	7	journal	journal	NOUN
ijtc-443	3	8	of	of	ADP
ijtc-443	3	9	tax	tax	PROPN
ijtc-443	3	10	&	&	CCONJ
ijtc-443	3	11	accounting	accounting	PROPN
ijtc-443	3	12	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-443	3	13	finance	finance	NOUN
ijtc-443	3	14	technology	technology	NOUN
ijtc-443	3	15	innovation	innovation	NOUN
ijtc-443	3	16	in	in	ADP
ijtc-443	3	17	the	the	DET
ijtc-443	3	18	finance	finance	NOUN
ijtc-443	3	19	sector	sector	NOUN
ijtc-443	3	20	:	:	PUNCT
ijtc-443	3	21	the	the	DET
ijtc-443	3	22	role	role	NOUN
ijtc-443	3	23	of	of	ADP
ijtc-443	3	24	e	e	NOUN
ijtc-443	3	25	-	-	NOUN
ijtc-443	3	26	money	money	NOUN
ijtc-443	3	27	on	on	ADP
ijtc-443	3	28	increasing	increase	VERB
ijtc-443	3	29	tax	tax	NOUN
ijtc-443	3	30	revenue	revenue	NOUN
ijtc-443	3	31	raden	raden	PROPN
ijtc-443	3	32	kusyeni1	kusyeni1	PROPN
ijtc-443	3	33	,	,	PUNCT
ijtc-443	3	34	pandoyo2	pandoyo2	PROPN
ijtc-443	3	35	,	,	PUNCT
ijtc-443	3	36	ratih	ratih	PROPN
ijtc-443	3	37	kumala3	kumala3	PROPN
ijtc-443	3	38	,	,	PUNCT
ijtc-443	3	39	mochamad	mochamad	NOUN
ijtc-443	3	40	sofyan4	sofyan4	NOUN
ijtc-443	3	41	1234institut	1234institut	NUM
ijtc-443	3	42	ilmu	ilmu	PROPN
ijtc-443	3	43	sosial	sosial	PROPN
ijtc-443	3	44	dan	dan	PROPN
ijtc-443	3	45	manajemen	manajemen	PROPN
ijtc-443	3	46	stiami	stiami	PROPN
ijtc-443	3	47	,	,	PUNCT
ijtc-443	3	48	indonesia	indonesia	PROPN
ijtc-443	3	49	correspondent	correspondent	NOUN
ijtc-443	3	50	:	:	PUNCT
ijtc-443	3	51	kusyenird@gmail.com1	kusyenird@gmail.com1	PROPN
ijtc-443	3	52	,	,	PUNCT
ijtc-443	3	53	rhaty07@gmail.com3	rhaty07@gmail.com3	ADV
ijtc-443	3	54	received	receive	VERB
ijtc-443	3	55	:	:	PUNCT
ijtc-443	3	56	february	february	PROPN
ijtc-443	3	57	25	25	NUM
ijtc-443	3	58	,	,	PUNCT
ijtc-443	3	59	2022	2022	NUM
ijtc-443	3	60	accepted	accept	VERB
ijtc-443	3	61	:	:	PUNCT
ijtc-443	3	62	april	april	PROPN
ijtc-443	3	63	15	15	NUM
ijtc-443	3	64	,	,	PUNCT
ijtc-443	3	65	2022	2022	NUM
ijtc-443	3	66	published	publish	VERB
ijtc-443	3	67	:	:	PUNCT
ijtc-443	3	68	april	april	PROPN
ijtc-443	3	69	30	30	NUM
ijtc-443	3	70	,	,	PUNCT
ijtc-443	3	71	2022	2022	NUM
ijtc-443	3	72	citation	citation	NOUN
ijtc-443	3	73	:	:	PUNCT
ijtc-443	4	1	kusyeni	kusyeni	PROPN
ijtc-443	4	2	,	,	PUNCT
ijtc-443	4	3	r.	r.	PROPN
ijtc-443	4	4	,	,	PUNCT
ijtc-443	4	5	pandoyo	pandoyo	NOUN
ijtc-443	4	6	.	.	PUNCT
ijtc-443	4	7	,	,	PUNCT
ijtc-443	4	8	kumala	kumala	PROPN
ijtc-443	4	9	,	,	PUNCT
ijtc-443	4	10	r.	r.	PROPN
ijtc-443	4	11	,	,	PUNCT
ijtc-443	4	12	sofyan	sofyan	PROPN
ijtc-443	4	13	,	,	PUNCT
ijtc-443	4	14	m.(2022	m.(2022	PROPN
ijtc-443	4	15	)	)	PUNCT
ijtc-443	4	16	.	.	PUNCT
ijtc-443	5	1	finance	finance	NOUN
ijtc-443	5	2	technology	technology	NOUN
ijtc-443	5	3	innovation	innovation	NOUN
ijtc-443	5	4	in	in	ADP
ijtc-443	5	5	the	the	DET
ijtc-443	5	6	finance	finance	NOUN
ijtc-443	5	7	sector	sector	NOUN
ijtc-443	5	8	:	:	PUNCT
ijtc-443	5	9	the	the	DET
ijtc-443	5	10	role	role	NOUN
ijtc-443	5	11	of	of	ADP
ijtc-443	5	12	e	e	NOUN
ijtc-443	5	13	-	-	NOUN
ijtc-443	5	14	money	money	NOUN
ijtc-443	5	15	on	on	ADP
ijtc-443	5	16	increasing	increase	VERB
ijtc-443	5	17	tax	tax	NOUN
ijtc-443	5	18	revenue	revenue	NOUN
ijtc-443	5	19	.	.	PUNCT
ijtc-443	6	1	ilomata	ilomata	PROPN
ijtc-443	6	2	international	international	ADJ
ijtc-443	6	3	journal	journal	NOUN
ijtc-443	6	4	of	of	ADP
ijtc-443	6	5	tax	tax	NOUN
ijtc-443	6	6	and	and	CCONJ
ijtc-443	6	7	accounting	accounting	NOUN
ijtc-443	6	8	,	,	PUNCT
ijtc-443	6	9	3(2	3(2	NUM
ijtc-443	6	10	)	)	PUNCT
ijtc-443	6	11	,	,	PUNCT
ijtc-443	6	12	139	139	NUM
ijtc-443	6	13	-	-	SYM
ijtc-443	6	14	149	149	NUM
ijtc-443	6	15	.	.	PUNCT
ijtc-443	7	1	https://doi.org/10.52728/ijtc.v3i2.443	https://doi.org/10.52728/ijtc.v3i2.443	PROPN
ijtc-443	7	2	abstract	abstract	PROPN
ijtc-443	7	3	:	:	PUNCT
ijtc-443	7	4	the	the	DET
ijtc-443	7	5	expanding	expand	VERB
ijtc-443	7	6	versatility	versatility	NOUN
ijtc-443	7	7	of	of	ADP
ijtc-443	7	8	people	people	NOUN
ijtc-443	7	9	in	in	ADP
ijtc-443	7	10	general	general	ADJ
ijtc-443	7	11	in	in	ADP
ijtc-443	7	12	monetary	monetary	ADJ
ijtc-443	7	13	exercises	exercise	NOUN
ijtc-443	7	14	wants	want	VERB
ijtc-443	7	15	to	to	PART
ijtc-443	7	16	make	make	VERB
ijtc-443	7	17	monetary	monetary	ADJ
ijtc-443	7	18	exchanges	exchange	NOUN
ijtc-443	7	19	simpler	simple	ADJ
ijtc-443	7	20	,	,	PUNCT
ijtc-443	7	21	more	more	ADV
ijtc-443	7	22	compelling	compelling	ADJ
ijtc-443	7	23	and	and	CCONJ
ijtc-443	7	24	effective	effective	ADJ
ijtc-443	7	25	yet	yet	ADV
ijtc-443	7	26	at	at	ADP
ijtc-443	7	27	the	the	DET
ijtc-443	7	28	same	same	ADJ
ijtc-443	7	29	time	time	NOUN
ijtc-443	7	30	protected	protect	VERB
ijtc-443	7	31	in	in	ADP
ijtc-443	7	32	exchanges	exchange	NOUN
ijtc-443	7	33	.	.	PUNCT
ijtc-443	8	1	the	the	DET
ijtc-443	8	2	mechanical	mechanical	ADJ
ijtc-443	8	3	advancement	advancement	NOUN
ijtc-443	8	4	that	that	PRON
ijtc-443	8	5	is	be	AUX
ijtc-443	8	6	the	the	DET
ijtc-443	8	7	subject	subject	NOUN
ijtc-443	8	8	of	of	ADP
ijtc-443	8	9	the	the	DET
ijtc-443	8	10	most	most	ADV
ijtc-443	8	11	recent	recent	ADJ
ijtc-443	8	12	review	review	NOUN
ijtc-443	8	13	in	in	ADP
ijtc-443	8	14	indonesia	indonesia	PROPN
ijtc-443	8	15	is	be	AUX
ijtc-443	8	16	financial	financial	ADJ
ijtc-443	8	17	technology	technology	NOUN
ijtc-443	8	18	(	(	PUNCT
ijtc-443	8	19	fintech	fintech	NOUN
ijtc-443	8	20	)	)	PUNCT
ijtc-443	8	21	.	.	PUNCT
ijtc-443	9	1	the	the	DET
ijtc-443	9	2	adjustment	adjustment	NOUN
ijtc-443	9	3	of	of	ADP
ijtc-443	9	4	the	the	DET
ijtc-443	9	5	type	type	NOUN
ijtc-443	9	6	of	of	ADP
ijtc-443	9	7	cash	cash	NOUN
ijtc-443	9	8	,	,	PUNCT
ijtc-443	9	9	both	both	DET
ijtc-443	9	10	paper	paper	NOUN
ijtc-443	9	11	cash	cash	NOUN
ijtc-443	9	12	and	and	CCONJ
ijtc-443	9	13	coins	coin	NOUN
ijtc-443	9	14	started	start	VERB
ijtc-443	9	15	to	to	PART
ijtc-443	9	16	be	be	AUX
ijtc-443	9	17	supplanted	supplant	VERB
ijtc-443	9	18	with	with	ADP
ijtc-443	9	19	electronic	electronic	ADJ
ijtc-443	9	20	cash	cash	NOUN
ijtc-443	9	21	or	or	CCONJ
ijtc-443	9	22	ordinarily	ordinarily	ADV
ijtc-443	9	23	alluded	allude	VERB
ijtc-443	9	24	to	to	ADP
ijtc-443	9	25	as	as	ADP
ijtc-443	9	26	e	e	NOUN
ijtc-443	9	27	-	-	NOUN
ijtc-443	9	28	cash	cash	NOUN
ijtc-443	9	29	.	.	PUNCT
ijtc-443	10	1	e	e	X
ijtc-443	10	2	-	-	NOUN
ijtc-443	10	3	cash	cash	NOUN
ijtc-443	10	4	right	right	ADV
ijtc-443	10	5	now	now	ADV
ijtc-443	10	6	circling	circle	VERB
ijtc-443	10	7	in	in	ADP
ijtc-443	10	8	indonesia	indonesia	PROPN
ijtc-443	10	9	as	as	ADP
ijtc-443	10	10	ovo	ovo	PROPN
ijtc-443	10	11	cash	cash	NOUN
ijtc-443	10	12	,	,	PUNCT
ijtc-443	10	13	shopee	shopee	NOUN
ijtc-443	10	14	pay	pay	NOUN
ijtc-443	10	15	,	,	PUNCT
ijtc-443	10	16	gopay	gopay	NOUN
ijtc-443	10	17	,	,	PUNCT
ijtc-443	10	18	brizzi	brizzi	NOUN
ijtc-443	10	19	,	,	PUNCT
ijtc-443	10	20	paytren	paytren	NOUN
ijtc-443	10	21	,	,	PUNCT
ijtc-443	10	22	isaku	isaku	PROPN
ijtc-443	10	23	,	,	PUNCT
ijtc-443	10	24	dana	dana	PROPN
ijtc-443	10	25	,	,	PUNCT
ijtc-443	10	26	linkaja	linkaja	PROPN
ijtc-443	10	27	,	,	PUNCT
ijtc-443	10	28	flazz	flazz	PROPN
ijtc-443	10	29	and	and	CCONJ
ijtc-443	10	30	others	other	NOUN
ijtc-443	10	31	,	,	PUNCT
ijtc-443	10	32	is	be	AUX
ijtc-443	10	33	a	a	DET
ijtc-443	10	34	type	type	NOUN
ijtc-443	10	35	of	of	ADP
ijtc-443	10	36	money	money	NOUN
ijtc-443	10	37	innovation	innovation	NOUN
ijtc-443	10	38	to	to	PART
ijtc-443	10	39	complete	complete	VERB
ijtc-443	10	40	monetary	monetary	ADJ
ijtc-443	10	41	exchange	exchange	NOUN
ijtc-443	10	42	exercises	exercise	NOUN
ijtc-443	10	43	,	,	PUNCT
ijtc-443	10	44	with	with	ADP
ijtc-443	10	45	the	the	DET
ijtc-443	10	46	presence	presence	NOUN
ijtc-443	10	47	of	of	ADP
ijtc-443	10	48	e	e	NOUN
ijtc-443	10	49	-	-	NOUN
ijtc-443	10	50	cash	cash	NOUN
ijtc-443	10	51	.	.	PUNCT
ijtc-443	11	1	this	this	DET
ijtc-443	11	2	cash	cash	NOUN
ijtc-443	11	3	is	be	AUX
ijtc-443	11	4	relied	rely	VERB
ijtc-443	11	5	upon	upon	SCONJ
ijtc-443	11	6	to	to	PART
ijtc-443	11	7	help	help	VERB
ijtc-443	11	8	people	people	NOUN
ijtc-443	11	9	in	in	ADP
ijtc-443	11	10	general	general	ADJ
ijtc-443	11	11	in	in	ADP
ijtc-443	11	12	getting	get	VERB
ijtc-443	11	13	to	to	ADP
ijtc-443	11	14	monetary	monetary	ADJ
ijtc-443	11	15	items	item	NOUN
ijtc-443	11	16	and	and	CCONJ
ijtc-443	11	17	work	work	VERB
ijtc-443	11	18	with	with	ADP
ijtc-443	11	19	monetary	monetary	ADJ
ijtc-443	11	20	exchanges	exchange	NOUN
ijtc-443	11	21	and	and	CCONJ
ijtc-443	11	22	duty	duty	NOUN
ijtc-443	11	23	installment	installment	NOUN
ijtc-443	11	24	exchanges	exchange	NOUN
ijtc-443	11	25	.	.	PUNCT
ijtc-443	12	1	progresses	progress	NOUN
ijtc-443	12	2	in	in	ADP
ijtc-443	12	3	monetary	monetary	ADJ
ijtc-443	12	4	innovation	innovation	NOUN
ijtc-443	12	5	can	can	AUX
ijtc-443	12	6	make	make	VERB
ijtc-443	12	7	it	it	PRON
ijtc-443	12	8	more	more	ADV
ijtc-443	12	9	straightforward	straightforward	ADJ
ijtc-443	12	10	for	for	SCONJ
ijtc-443	12	11	citizens	citizen	NOUN
ijtc-443	12	12	to	to	PART
ijtc-443	12	13	make	make	VERB
ijtc-443	12	14	charge	charge	NOUN
ijtc-443	12	15	installments	installment	NOUN
ijtc-443	12	16	.	.	PUNCT
ijtc-443	13	1	the	the	DET
ijtc-443	13	2	exploration	exploration	NOUN
ijtc-443	13	3	technique	technique	NOUN
ijtc-443	13	4	utilized	utilize	VERB
ijtc-443	13	5	is	be	AUX
ijtc-443	13	6	unmistakable	unmistakable	ADJ
ijtc-443	13	7	subjective	subjective	ADJ
ijtc-443	13	8	strategy	strategy	NOUN
ijtc-443	13	9	with	with	ADP
ijtc-443	13	10	writing	write	VERB
ijtc-443	13	11	survey	survey	NOUN
ijtc-443	13	12	.	.	PUNCT
ijtc-443	14	1	the	the	DET
ijtc-443	14	2	motivation	motivation	NOUN
ijtc-443	14	3	behind	behind	ADP
ijtc-443	14	4	this	this	DET
ijtc-443	14	5	exploration	exploration	NOUN
ijtc-443	14	6	is	be	AUX
ijtc-443	14	7	to	to	PART
ijtc-443	14	8	help	help	VERB
ijtc-443	14	9	the	the	DET
ijtc-443	14	10	local	local	ADJ
ijtc-443	14	11	area	area	NOUN
ijtc-443	14	12	in	in	ADP
ijtc-443	14	13	making	make	VERB
ijtc-443	14	14	charge	charge	NOUN
ijtc-443	14	15	installments	installment	NOUN
ijtc-443	14	16	simpler	simple	ADJ
ijtc-443	14	17	and	and	CCONJ
ijtc-443	14	18	it	it	PRON
ijtc-443	14	19	is	be	AUX
ijtc-443	14	20	trusted	trust	VERB
ijtc-443	14	21	that	that	SCONJ
ijtc-443	14	22	this	this	DET
ijtc-443	14	23	electronic	electronic	ADJ
ijtc-443	14	24	installment	installment	NOUN
ijtc-443	14	25	can	can	AUX
ijtc-443	14	26	expand	expand	VERB
ijtc-443	14	27	charge	charge	NOUN
ijtc-443	14	28	income	income	NOUN
ijtc-443	14	29	.	.	PUNCT
ijtc-443	15	1	keywords	keyword	NOUN
ijtc-443	15	2	:	:	PUNCT
ijtc-443	15	3	tax	tax	NOUN
ijtc-443	15	4	revenue	revenue	NOUN
ijtc-443	15	5	,	,	PUNCT
ijtc-443	15	6	financial	financial	ADJ
ijtc-443	15	7	technology	technology	NOUN
ijtc-443	15	8	,	,	PUNCT
ijtc-443	15	9	electronic	electronic	ADJ
ijtc-443	15	10	money	money	NOUN
ijtc-443	15	11	(	(	PUNCT
ijtc-443	15	12	e	e	NOUN
ijtc-443	15	13	-	-	NOUN
ijtc-443	15	14	money	money	NOUN
ijtc-443	15	15	)	)	PUNCT
ijtc-443	15	16	this	this	PRON
ijtc-443	15	17	is	be	AUX
ijtc-443	15	18	an	an	DET
ijtc-443	15	19	open	open	ADJ
ijtc-443	15	20	access	access	NOUN
ijtc-443	15	21	article	article	NOUN
ijtc-443	15	22	under	under	ADP
ijtc-443	15	23	the	the	DET
ijtc-443	15	24	cc	cc	NOUN
ijtc-443	15	25	-	-	PUNCT
ijtc-443	15	26	by	by	ADP
ijtc-443	15	27	4.0	4.0	NUM
ijtc-443	15	28	license	license	NOUN
ijtc-443	15	29	.	.	PUNCT
ijtc-443	16	1	introduction	introduction	NOUN
ijtc-443	16	2	in	in	ADP
ijtc-443	16	3	the	the	DET
ijtc-443	16	4	current	current	ADJ
ijtc-443	16	5	time	time	NOUN
ijtc-443	16	6	of	of	ADP
ijtc-443	16	7	digitalization	digitalization	NOUN
ijtc-443	16	8	,	,	PUNCT
ijtc-443	16	9	the	the	DET
ijtc-443	16	10	utilization	utilization	NOUN
ijtc-443	16	11	of	of	ADP
ijtc-443	16	12	innovation	innovation	NOUN
ijtc-443	16	13	has	have	AUX
ijtc-443	16	14	infiltrated	infiltrate	VERB
ijtc-443	16	15	into	into	ADP
ijtc-443	16	16	our	our	PRON
ijtc-443	16	17	regular	regular	ADJ
ijtc-443	16	18	routines	routine	NOUN
ijtc-443	16	19	,	,	PUNCT
ijtc-443	16	20	and	and	CCONJ
ijtc-443	16	21	has	have	AUX
ijtc-443	16	22	even	even	ADV
ijtc-443	16	23	turned	turn	VERB
ijtc-443	16	24	into	into	ADP
ijtc-443	16	25	a	a	DET
ijtc-443	16	26	way	way	NOUN
ijtc-443	16	27	of	of	ADP
ijtc-443	16	28	life	life	NOUN
ijtc-443	16	29	among	among	ADP
ijtc-443	16	30	individuals	individual	NOUN
ijtc-443	16	31	,	,	PUNCT
ijtc-443	16	32	particularly	particularly	ADV
ijtc-443	16	33	youngsters	youngster	NOUN
ijtc-443	16	34	.	.	PUNCT
ijtc-443	17	1	the	the	DET
ijtc-443	17	2	fast	fast	ADJ
ijtc-443	17	3	advancement	advancement	NOUN
ijtc-443	17	4	of	of	ADP
ijtc-443	17	5	science	science	NOUN
ijtc-443	17	6	and	and	CCONJ
ijtc-443	17	7	innovation	innovation	NOUN
ijtc-443	17	8	has	have	AUX
ijtc-443	17	9	affected	affect	VERB
ijtc-443	17	10	the	the	DET
ijtc-443	17	11	example	example	NOUN
ijtc-443	17	12	of	of	ADP
ijtc-443	17	13	human	human	ADJ
ijtc-443	17	14	conduct	conduct	NOUN
ijtc-443	17	15	in	in	ADP
ijtc-443	17	16	getting	get	VERB
ijtc-443	17	17	to	to	ADP
ijtc-443	17	18	different	different	ADJ
ijtc-443	17	19	data	datum	NOUN
ijtc-443	17	20	and	and	CCONJ
ijtc-443	17	21	different	different	ADJ
ijtc-443	17	22	highlights	highlight	NOUN
ijtc-443	17	23	of	of	ADP
ijtc-443	17	24	electronic	electronic	ADJ
ijtc-443	17	25	administrations	administration	NOUN
ijtc-443	17	26	.	.	PUNCT
ijtc-443	18	1	one	one	NUM
ijtc-443	18	2	of	of	ADP
ijtc-443	18	3	the	the	DET
ijtc-443	18	4	innovative	innovative	ADJ
ijtc-443	18	5	advancements	advancement	NOUN
ijtc-443	18	6	that	that	PRON
ijtc-443	18	7	has	have	AUX
ijtc-443	18	8	turned	turn	VERB
ijtc-443	18	9	into	into	ADP
ijtc-443	18	10	the	the	DET
ijtc-443	18	11	subject	subject	NOUN
ijtc-443	18	12	of	of	ADP
ijtc-443	18	13	ongoing	ongoing	ADJ
ijtc-443	18	14	examinations	examination	NOUN
ijtc-443	18	15	in	in	ADP
ijtc-443	18	16	indonesia	indonesia	PROPN
ijtc-443	18	17	is	be	AUX
ijtc-443	18	18	monetary	monetary	ADJ
ijtc-443	18	19	exchanges	exchange	NOUN
ijtc-443	18	20	utilizing	utilize	VERB
ijtc-443	18	21	electronic	electronic	ADJ
ijtc-443	18	22	money	money	NOUN
ijtc-443	18	23	or	or	CCONJ
ijtc-443	18	24	e	e	NOUN
ijtc-443	18	25	-	-	NOUN
ijtc-443	18	26	money	money	NOUN
ijtc-443	18	27	(	(	PUNCT
ijtc-443	18	28	ben	ben	PROPN
ijtc-443	18	29	lahouel	lahouel	PROPN
ijtc-443	18	30	et	et	PROPN
ijtc-443	18	31	al	al	PROPN
ijtc-443	18	32	.	.	PROPN
ijtc-443	18	33	,	,	PUNCT
ijtc-443	18	34	2022	2022	NUM
ijtc-443	18	35	;	;	PUNCT
ijtc-443	18	36	kahloul	kahloul	PROPN
ijtc-443	18	37	et	et	PROPN
ijtc-443	18	38	al	al	PROPN
ijtc-443	18	39	.	.	PROPN
ijtc-443	18	40	,	,	PUNCT
ijtc-443	18	41	2022	2022	NUM
ijtc-443	18	42	;	;	PUNCT
ijtc-443	18	43	maqbool	maqbool	PROPN
ijtc-443	18	44	&	&	CCONJ
ijtc-443	18	45	zameer	zameer	NOUN
ijtc-443	18	46	,	,	PUNCT
ijtc-443	18	47	2018	2018	NUM
ijtc-443	18	48	;	;	PUNCT
ijtc-443	18	49	siueia	siueia	PROPN
ijtc-443	18	50	et	et	PROPN
ijtc-443	18	51	al	al	PROPN
ijtc-443	18	52	.	.	PROPN
ijtc-443	18	53	,	,	PUNCT
ijtc-443	18	54	2019	2019	NUM
ijtc-443	18	55	;	;	PUNCT
ijtc-443	18	56	wardhani	wardhani	X
ijtc-443	18	57	et	et	PROPN
ijtc-443	18	58	al	al	PROPN
ijtc-443	18	59	.	.	PROPN
ijtc-443	18	60	,	,	PUNCT
ijtc-443	18	61	2020	2020	NUM
ijtc-443	18	62	)	)	PUNCT
ijtc-443	18	63	.	.	PUNCT
ijtc-443	19	1	there	there	PRON
ijtc-443	19	2	are	be	VERB
ijtc-443	19	3	such	such	ADJ
ijtc-443	19	4	countless	countless	ADJ
ijtc-443	19	5	choices	choice	NOUN
ijtc-443	19	6	for	for	ADP
ijtc-443	19	7	going	go	VERB
ijtc-443	19	8	through	through	ADP
ijtc-443	19	9	with	with	ADP
ijtc-443	19	10	monetary	monetary	ADJ
ijtc-443	19	11	exchanges	exchange	NOUN
ijtc-443	19	12	.	.	PUNCT
ijtc-443	20	1	besides	besides	SCONJ
ijtc-443	20	2	,	,	PUNCT
ijtc-443	20	3	the	the	DET
ijtc-443	20	4	present	present	ADJ
ijtc-443	20	5	mechanical	mechanical	ADJ
ijtc-443	20	6	advances	advance	NOUN
ijtc-443	20	7	are	be	AUX
ijtc-443	20	8	so	so	ADV
ijtc-443	20	9	fast	fast	ADJ
ijtc-443	20	10	,	,	PUNCT
ijtc-443	20	11	making	make	VERB
ijtc-443	20	12	monetary	monetary	ADJ
ijtc-443	20	13	exchanges	exchange	NOUN
ijtc-443	20	14	more	more	ADV
ijtc-443	20	15	straightforward	straightforward	ADJ
ijtc-443	20	16	.	.	PUNCT
ijtc-443	21	1	igeneration	igeneration	NOUN
ijtc-443	21	2	or	or	CCONJ
ijtc-443	21	3	generally	generally	ADV
ijtc-443	21	4	known	know	VERB
ijtc-443	21	5	as	as	ADP
ijtc-443	21	6	generation	generation	NOUN
ijtc-443	21	7	z	z	NOUN
ijtc-443	21	8	is	be	AUX
ijtc-443	21	9	an	an	DET
ijtc-443	21	10	age	age	NOUN
ijtc-443	21	11	that	that	PRON
ijtc-443	21	12	can	can	AUX
ijtc-443	21	13	be	be	AUX
ijtc-443	21	14	supposed	suppose	VERB
ijtc-443	21	15	to	to	PART
ijtc-443	21	16	be	be	AUX
ijtc-443	21	17	the	the	DET
ijtc-443	21	18	most	most	ADV
ijtc-443	21	19	'	'	PUNCT
ijtc-443	21	20	educated	educate	VERB
ijtc-443	21	21	'	'	PUNCT
ijtc-443	21	22	of	of	ADP
ijtc-443	21	23	the	the	DET
ijtc-443	21	24	simplicity	simplicity	NOUN
ijtc-443	21	25	of	of	ADP
ijtc-443	21	26	this	this	DET
ijtc-443	21	27	exchange	exchange	NOUN
ijtc-443	21	28	.	.	PUNCT
ijtc-443	22	1	how	how	SCONJ
ijtc-443	22	2	not	not	PART
ijtc-443	22	3	,	,	PUNCT
ijtc-443	22	4	this	this	DET
ijtc-443	22	5	age	age	NOUN
ijtc-443	22	6	is	be	AUX
ijtc-443	22	7	the	the	DET
ijtc-443	22	8	age	age	NOUN
ijtc-443	22	9	with	with	ADP
ijtc-443	22	10	the	the	DET
ijtc-443	22	11	biggest	big	ADJ
ijtc-443	22	12	level	level	NOUN
ijtc-443	22	13	of	of	ADP
ijtc-443	22	14	clients	client	NOUN
ijtc-443	22	15	of	of	ADP
ijtc-443	22	16	nonhttps://www.ilomata.org/index.php/ijtc	nonhttps://www.ilomata.org/index.php/ijtc	PROPN
ijtc-443	22	17	mailto:kusyenird@gmail.com	mailto:kusyenird@gmail.com	PROPN
ijtc-443	22	18	mailto:rhaty07@gmail.com	mailto:rhaty07@gmail.com	PROPN
ijtc-443	22	19	https://doi.org/10.52728/ijtc.v3i2.443	https://doi.org/10.52728/ijtc.v3i2.443	PROPN
ijtc-443	22	20	finance	finance	PROPN
ijtc-443	22	21	technology	technology	NOUN
ijtc-443	22	22	innovation	innovation	NOUN
ijtc-443	22	23	in	in	ADP
ijtc-443	22	24	the	the	DET
ijtc-443	22	25	finance	finance	NOUN
ijtc-443	22	26	sector	sector	NOUN
ijtc-443	22	27	:	:	PUNCT
ijtc-443	22	28	the	the	DET
ijtc-443	22	29	role	role	NOUN
ijtc-443	22	30	of	of	ADP
ijtc-443	22	31	e	e	NOUN
ijtc-443	22	32	-	-	NOUN
ijtc-443	22	33	money	money	NOUN
ijtc-443	22	34	on	on	ADP
ijtc-443	22	35	increasing	increase	VERB
ijtc-443	22	36	tax	tax	NOUN
ijtc-443	22	37	revenue	revenue	NOUN
ijtc-443	22	38	kusyeni	kusyeni	NOUN
ijtc-443	22	39	,	,	PUNCT
ijtc-443	22	40	pandoyo	pandoyo	NOUN
ijtc-443	22	41	,	,	PUNCT
ijtc-443	22	42	kumala	kumala	NOUN
ijtc-443	22	43	,	,	PUNCT
ijtc-443	22	44	and	and	CCONJ
ijtc-443	22	45	sofyan	sofyan	PROPN
ijtc-443	22	46	.	.	PUNCT
ijtc-443	23	1	140	140	NUM
ijtc-443	23	2	|	|	ADV
ijtc-443	23	3	ilomata	ilomata	PROPN
ijtc-443	23	4	international	international	ADJ
ijtc-443	23	5	journal	journal	NOUN
ijtc-443	23	6	of	of	ADP
ijtc-443	23	7	tax	tax	PROPN
ijtc-443	23	8	&	&	CCONJ
ijtc-443	23	9	accounting	account	VERB
ijtc-443	23	10	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-443	23	11	cash	cash	NOUN
ijtc-443	23	12	monetary	monetary	ADJ
ijtc-443	23	13	administrations	administration	NOUN
ijtc-443	23	14	in	in	ADP
ijtc-443	23	15	this	this	DET
ijtc-443	23	16	ten	ten	NUM
ijtc-443	23	17	years	year	NOUN
ijtc-443	23	18	(	(	PUNCT
ijtc-443	23	19	adeyemo	adeyemo	ADV
ijtc-443	23	20	et	et	PROPN
ijtc-443	23	21	al	al	PROPN
ijtc-443	23	22	.	.	PROPN
ijtc-443	23	23	,	,	PUNCT
ijtc-443	23	24	2020	2020	NUM
ijtc-443	23	25	;	;	PUNCT
ijtc-443	23	26	balakrishnan	balakrishnan	PROPN
ijtc-443	23	27	&	&	CCONJ
ijtc-443	23	28	shuib	shuib	PROPN
ijtc-443	23	29	,	,	PUNCT
ijtc-443	23	30	2021	2021	NUM
ijtc-443	23	31	;	;	PUNCT
ijtc-443	23	32	gorshkov	gorshkov	NOUN
ijtc-443	23	33	,	,	PUNCT
ijtc-443	23	34	2022	2022	NUM
ijtc-443	23	35	;	;	PUNCT
ijtc-443	23	36	ng	ng	PROPN
ijtc-443	23	37	et	et	PROPN
ijtc-443	23	38	al	al	PROPN
ijtc-443	23	39	.	.	PROPN
ijtc-443	23	40	,	,	PUNCT
ijtc-443	23	41	2021	2021	NUM
ijtc-443	23	42	)	)	PUNCT
ijtc-443	23	43	.	.	PUNCT
ijtc-443	24	1	e	e	X
ijtc-443	24	2	-	-	NOUN
ijtc-443	24	3	cash	cash	NOUN
ijtc-443	24	4	or	or	CCONJ
ijtc-443	24	5	electronic	electronic	ADJ
ijtc-443	24	6	money	money	NOUN
ijtc-443	24	7	is	be	AUX
ijtc-443	24	8	n't	not	PART
ijtc-443	24	9	something	something	PRON
ijtc-443	24	10	unfamiliar	unfamiliar	ADJ
ijtc-443	24	11	today	today	NOUN
ijtc-443	24	12	.	.	PUNCT
ijtc-443	25	1	as	as	SCONJ
ijtc-443	25	2	expressed	express	VERB
ijtc-443	25	3	in	in	ADP
ijtc-443	25	4	bank	bank	PROPN
ijtc-443	25	5	indonesia	indonesia	PROPN
ijtc-443	25	6	regulation	regulation	NOUN
ijtc-443	25	7	number	number	NOUN
ijtc-443	25	8	:	:	PUNCT
ijtc-443	25	9	11/12	11/12	NUM
ijtc-443	25	10	/	/	SYM
ijtc-443	25	11	pbi/2009	pbi/2009	NOUN
ijtc-443	25	12	concerning	concern	VERB
ijtc-443	25	13	electronic	electronic	ADJ
ijtc-443	25	14	money	money	NOUN
ijtc-443	25	15	(	(	PUNCT
ijtc-443	25	16	electronic	electronic	ADJ
ijtc-443	25	17	money	money	NOUN
ijtc-443	25	18	)	)	PUNCT
ijtc-443	25	19	,	,	PUNCT
ijtc-443	25	20	which	which	PRON
ijtc-443	25	21	has	have	AUX
ijtc-443	25	22	now	now	ADV
ijtc-443	25	23	been	be	AUX
ijtc-443	25	24	refreshed	refresh	VERB
ijtc-443	25	25	to	to	ADP
ijtc-443	25	26	pbi	pbi	NOUN
ijtc-443	25	27	number	number	NOUN
ijtc-443	25	28	:	:	PUNCT
ijtc-443	25	29	18/17	18/17	NUM
ijtc-443	25	30	/	/	SYM
ijtc-443	25	31	pbi/2016	pbi/2016	ADJ
ijtc-443	25	32	,	,	PUNCT
ijtc-443	25	33	electronic	electronic	ADJ
ijtc-443	25	34	money	money	NOUN
ijtc-443	25	35	is	be	AUX
ijtc-443	25	36	the	the	DET
ijtc-443	25	37	worth	worth	NOUN
ijtc-443	25	38	of	of	ADP
ijtc-443	25	39	cash	cash	NOUN
ijtc-443	25	40	put	put	VERB
ijtc-443	25	41	away	away	ADV
ijtc-443	25	42	in	in	ADP
ijtc-443	25	43	card	card	NOUN
ijtc-443	25	44	chips	chip	NOUN
ijtc-443	25	45	or	or	CCONJ
ijtc-443	25	46	servers	server	NOUN
ijtc-443	25	47	(	(	PUNCT
ijtc-443	25	48	virtual	virtual	ADJ
ijtc-443	25	49	)	)	PUNCT
ijtc-443	25	50	.	.	PUNCT
ijtc-443	26	1	the	the	DET
ijtc-443	26	2	cash	cash	NOUN
ijtc-443	26	3	,	,	PUNCT
ijtc-443	26	4	among	among	ADP
ijtc-443	26	5	others	other	NOUN
ijtc-443	26	6	,	,	PUNCT
ijtc-443	26	7	is	be	AUX
ijtc-443	26	8	utilized	utilize	VERB
ijtc-443	26	9	to	to	PART
ijtc-443	26	10	pay	pay	VERB
ijtc-443	26	11	for	for	ADP
ijtc-443	26	12	food	food	NOUN
ijtc-443	26	13	,	,	PUNCT
ijtc-443	26	14	public	public	ADJ
ijtc-443	26	15	transportation	transportation	NOUN
ijtc-443	26	16	or	or	CCONJ
ijtc-443	26	17	expressways	expressway	NOUN
ijtc-443	26	18	.	.	PUNCT
ijtc-443	27	1	e	e	X
ijtc-443	27	2	-	-	NOUN
ijtc-443	27	3	money	money	NOUN
ijtc-443	27	4	is	be	AUX
ijtc-443	27	5	given	give	VERB
ijtc-443	27	6	based	base	VERB
ijtc-443	27	7	on	on	ADP
ijtc-443	27	8	the	the	DET
ijtc-443	27	9	worth	worth	NOUN
ijtc-443	27	10	of	of	ADP
ijtc-443	27	11	cash	cash	NOUN
ijtc-443	27	12	which	which	PRON
ijtc-443	27	13	is	be	AUX
ijtc-443	27	14	kept	keep	VERB
ijtc-443	27	15	ahead	ahead	ADV
ijtc-443	27	16	of	of	ADP
ijtc-443	27	17	time	time	NOUN
ijtc-443	27	18	by	by	ADP
ijtc-443	27	19	the	the	DET
ijtc-443	27	20	holder	holder	NOUN
ijtc-443	27	21	to	to	ADP
ijtc-443	27	22	the	the	DET
ijtc-443	27	23	guarantor	guarantor	NOUN
ijtc-443	27	24	and	and	CCONJ
ijtc-443	27	25	the	the	DET
ijtc-443	27	26	worth	worth	NOUN
ijtc-443	27	27	of	of	ADP
ijtc-443	27	28	the	the	DET
ijtc-443	27	29	cash	cash	NOUN
ijtc-443	27	30	is	be	AUX
ijtc-443	27	31	put	put	VERB
ijtc-443	27	32	away	away	ADV
ijtc-443	27	33	electronically	electronically	ADV
ijtc-443	27	34	in	in	ADP
ijtc-443	27	35	a	a	DET
ijtc-443	27	36	medium	medium	NOUN
ijtc-443	27	37	like	like	ADP
ijtc-443	27	38	a	a	DET
ijtc-443	27	39	server	server	NOUN
ijtc-443	27	40	or	or	CCONJ
ijtc-443	27	41	chip	chip	NOUN
ijtc-443	27	42	(	(	PUNCT
ijtc-443	27	43	sasongko	sasongko	NOUN
ijtc-443	27	44	et	et	PROPN
ijtc-443	27	45	al	al	PROPN
ijtc-443	27	46	.	.	PROPN
ijtc-443	27	47	,	,	PUNCT
ijtc-443	27	48	2022	2022	NUM
ijtc-443	27	49	)	)	PUNCT
ijtc-443	27	50	.	.	PUNCT
ijtc-443	28	1	e	e	X
ijtc-443	28	2	-	-	NOUN
ijtc-443	28	3	money	money	NOUN
ijtc-443	28	4	is	be	AUX
ijtc-443	28	5	n't	not	PART
ijtc-443	28	6	just	just	ADV
ijtc-443	28	7	a	a	DET
ijtc-443	28	8	substitute	substitute	NOUN
ijtc-443	28	9	for	for	ADP
ijtc-443	28	10	actual	actual	ADJ
ijtc-443	28	11	money	money	NOUN
ijtc-443	28	12	as	as	ADP
ijtc-443	28	13	coins	coin	NOUN
ijtc-443	28	14	and	and	CCONJ
ijtc-443	28	15	paper	paper	NOUN
ijtc-443	28	16	cash	cash	NOUN
ijtc-443	28	17	with	with	ADP
ijtc-443	28	18	identical	identical	ADJ
ijtc-443	28	19	electronic	electronic	ADJ
ijtc-443	28	20	money	money	NOUN
ijtc-443	28	21	,	,	PUNCT
ijtc-443	28	22	yet	yet	CCONJ
ijtc-443	28	23	in	in	ADP
ijtc-443	28	24	addition	addition	NOUN
ijtc-443	28	25	as	as	ADP
ijtc-443	28	26	a	a	DET
ijtc-443	28	27	framework	framework	NOUN
ijtc-443	28	28	that	that	PRON
ijtc-443	28	29	permits	permit	VERB
ijtc-443	28	30	an	an	DET
ijtc-443	28	31	individual	individual	NOUN
ijtc-443	28	32	to	to	PART
ijtc-443	28	33	pay	pay	VERB
ijtc-443	28	34	for	for	ADP
ijtc-443	28	35	labor	labor	NOUN
ijtc-443	28	36	and	and	CCONJ
ijtc-443	28	37	products	product	NOUN
ijtc-443	28	38	by	by	ADP
ijtc-443	28	39	sending	send	VERB
ijtc-443	28	40	a	a	DET
ijtc-443	28	41	number	number	NOUN
ijtc-443	28	42	starting	start	VERB
ijtc-443	28	43	with	with	ADP
ijtc-443	28	44	one	one	NUM
ijtc-443	28	45	pc	pc	NOUN
ijtc-443	28	46	then	then	ADV
ijtc-443	28	47	onto	onto	ADP
ijtc-443	28	48	the	the	DET
ijtc-443	28	49	next	next	ADJ
ijtc-443	28	50	.	.	PUNCT
ijtc-443	29	1	the	the	DET
ijtc-443	29	2	rise	rise	NOUN
ijtc-443	29	3	of	of	ADP
ijtc-443	29	4	e	e	NOUN
ijtc-443	29	5	-	-	NOUN
ijtc-443	29	6	cash	cash	NOUN
ijtc-443	29	7	amidst	amidst	ADP
ijtc-443	29	8	society	society	NOUN
ijtc-443	29	9	expects	expect	VERB
ijtc-443	29	10	to	to	PART
ijtc-443	29	11	diminish	diminish	VERB
ijtc-443	29	12	the	the	DET
ijtc-443	29	13	development	development	NOUN
ijtc-443	29	14	pace	pace	NOUN
ijtc-443	29	15	of	of	ADP
ijtc-443	29	16	the	the	DET
ijtc-443	29	17	utilization	utilization	NOUN
ijtc-443	29	18	of	of	ADP
ijtc-443	29	19	money	money	NOUN
ijtc-443	29	20	.	.	PUNCT
ijtc-443	30	1	committed	commit	VERB
ijtc-443	30	2	to	to	ADP
ijtc-443	30	3	installments	installment	NOUN
ijtc-443	30	4	of	of	ADP
ijtc-443	30	5	a	a	DET
ijtc-443	30	6	miniature	miniature	ADJ
ijtc-443	30	7	and	and	CCONJ
ijtc-443	30	8	retail	retail	ADJ
ijtc-443	30	9	nature	nature	NOUN
ijtc-443	30	10	(	(	PUNCT
ijtc-443	30	11	omodero	omodero	NOUN
ijtc-443	30	12	,	,	PUNCT
ijtc-443	30	13	2021	2021	NUM
ijtc-443	30	14	)	)	PUNCT
ijtc-443	30	15	.	.	PUNCT
ijtc-443	31	1	then	then	ADV
ijtc-443	31	2	,	,	PUNCT
ijtc-443	31	3	at	at	ADP
ijtc-443	31	4	that	that	DET
ijtc-443	31	5	point	point	NOUN
ijtc-443	31	6	,	,	PUNCT
ijtc-443	31	7	what	what	PRON
ijtc-443	31	8	is	be	AUX
ijtc-443	31	9	the	the	DET
ijtc-443	31	10	contrast	contrast	NOUN
ijtc-443	31	11	between	between	ADP
ijtc-443	31	12	the	the	DET
ijtc-443	31	13	installment	installment	NOUN
ijtc-443	31	14	interaction	interaction	NOUN
ijtc-443	31	15	with	with	ADP
ijtc-443	31	16	e	e	NOUN
ijtc-443	31	17	-	-	NOUN
ijtc-443	31	18	cash	cash	NOUN
ijtc-443	31	19	contrasted	contrast	VERB
ijtc-443	31	20	with	with	ADP
ijtc-443	31	21	installment	installment	NOUN
ijtc-443	31	22	utilizing	utilize	VERB
ijtc-443	31	23	a	a	DET
ijtc-443	31	24	visa	visa	NOUN
ijtc-443	31	25	or	or	CCONJ
ijtc-443	31	26	check	check	VERB
ijtc-443	31	27	card	card	NOUN
ijtc-443	31	28	?	?	PUNCT
ijtc-443	32	1	the	the	DET
ijtc-443	32	2	principle	principle	ADJ
ijtc-443	32	3	distinction	distinction	NOUN
ijtc-443	32	4	is	be	AUX
ijtc-443	32	5	that	that	SCONJ
ijtc-443	32	6	e	e	NOUN
ijtc-443	32	7	-	-	ADJ
ijtc-443	32	8	cash	cash	ADJ
ijtc-443	32	9	clients	client	NOUN
ijtc-443	32	10	do	do	AUX
ijtc-443	32	11	n't	not	PART
ijtc-443	32	12	have	have	VERB
ijtc-443	32	13	to	to	PART
ijtc-443	32	14	give	give	VERB
ijtc-443	32	15	their	their	PRON
ijtc-443	32	16	credit	credit	NOUN
ijtc-443	32	17	or	or	CCONJ
ijtc-443	32	18	charge	charge	NOUN
ijtc-443	32	19	card	card	NOUN
ijtc-443	32	20	data	datum	NOUN
ijtc-443	32	21	while	while	SCONJ
ijtc-443	32	22	executing	execute	VERB
ijtc-443	32	23	.	.	PUNCT
ijtc-443	33	1	this	this	PRON
ijtc-443	33	2	will	will	AUX
ijtc-443	33	3	lessen	lessen	VERB
ijtc-443	33	4	the	the	DET
ijtc-443	33	5	danger	danger	NOUN
ijtc-443	33	6	of	of	ADP
ijtc-443	33	7	individual	individual	ADJ
ijtc-443	33	8	information	information	NOUN
ijtc-443	33	9	burglary	burglary	NOUN
ijtc-443	33	10	and	and	CCONJ
ijtc-443	33	11	furthermore	furthermore	ADV
ijtc-443	33	12	decrease	decrease	VERB
ijtc-443	33	13	the	the	DET
ijtc-443	33	14	danger	danger	NOUN
ijtc-443	33	15	of	of	ADP
ijtc-443	33	16	misrepresentation	misrepresentation	NOUN
ijtc-443	33	17	(	(	PUNCT
ijtc-443	33	18	x.	x.	NOUN
ijtc-443	33	19	chen	chen	PROPN
ijtc-443	33	20	et	et	PROPN
ijtc-443	33	21	al	al	PROPN
ijtc-443	33	22	.	.	PROPN
ijtc-443	33	23	,	,	PUNCT
ijtc-443	33	24	2022	2022	NUM
ijtc-443	33	25	;	;	PUNCT
ijtc-443	33	26	deng	deng	PROPN
ijtc-443	33	27	et	et	PROPN
ijtc-443	33	28	al	al	PROPN
ijtc-443	33	29	.	.	PROPN
ijtc-443	33	30	,	,	PUNCT
ijtc-443	33	31	2019	2019	NUM
ijtc-443	33	32	;	;	PUNCT
ijtc-443	33	33	merello	merello	PROPN
ijtc-443	33	34	et	et	PROPN
ijtc-443	33	35	al	al	PROPN
ijtc-443	33	36	.	.	PROPN
ijtc-443	33	37	,	,	PUNCT
ijtc-443	33	38	2022	2022	NUM
ijtc-443	33	39	;	;	PUNCT
ijtc-443	33	40	pizzi	pizzi	PROPN
ijtc-443	33	41	et	et	PROPN
ijtc-443	33	42	al	al	PROPN
ijtc-443	33	43	.	.	PROPN
ijtc-443	33	44	,	,	PUNCT
ijtc-443	33	45	2021	2021	NUM
ijtc-443	33	46	;	;	PUNCT
ijtc-443	33	47	zhang	zhang	PROPN
ijtc-443	33	48	et	et	PROPN
ijtc-443	33	49	al	al	PROPN
ijtc-443	33	50	.	.	PROPN
ijtc-443	33	51	,	,	PUNCT
ijtc-443	33	52	2021	2021	NUM
ijtc-443	33	53	)	)	PUNCT
ijtc-443	33	54	.	.	PUNCT
ijtc-443	34	1	moreover	moreover	ADV
ijtc-443	34	2	,	,	PUNCT
ijtc-443	34	3	the	the	DET
ijtc-443	34	4	variables	variable	NOUN
ijtc-443	34	5	that	that	PRON
ijtc-443	34	6	support	support	VERB
ijtc-443	34	7	the	the	DET
ijtc-443	34	8	development	development	NOUN
ijtc-443	34	9	of	of	ADP
ijtc-443	34	10	electronic	electronic	ADJ
ijtc-443	34	11	exchanges	exchange	NOUN
ijtc-443	34	12	in	in	ADP
ijtc-443	34	13	indonesia	indonesia	PROPN
ijtc-443	34	14	include	include	VERB
ijtc-443	34	15	:	:	PUNCT
ijtc-443	34	16	first	first	ADV
ijtc-443	34	17	,	,	PUNCT
ijtc-443	34	18	the	the	DET
ijtc-443	34	19	change	change	NOUN
ijtc-443	34	20	in	in	ADP
ijtc-443	34	21	individuals	individual	NOUN
ijtc-443	34	22	'	'	PART
ijtc-443	34	23	conduct	conduct	NOUN
ijtc-443	34	24	in	in	ADP
ijtc-443	34	25	going	go	VERB
ijtc-443	34	26	through	through	ADP
ijtc-443	34	27	with	with	ADP
ijtc-443	34	28	monetary	monetary	ADJ
ijtc-443	34	29	exchanges	exchange	NOUN
ijtc-443	34	30	movements	movement	NOUN
ijtc-443	34	31	to	to	ADP
ijtc-443	34	32	computerized	computerized	ADJ
ijtc-443	34	33	exchanges	exchange	NOUN
ijtc-443	34	34	.	.	PUNCT
ijtc-443	35	1	second	second	ADJ
ijtc-443	35	2	,	,	PUNCT
ijtc-443	35	3	there	there	PRON
ijtc-443	35	4	is	be	VERB
ijtc-443	35	5	a	a	DET
ijtc-443	35	6	coordinated	coordinated	ADJ
ijtc-443	35	7	effort	effort	NOUN
ijtc-443	35	8	between	between	ADP
ijtc-443	35	9	payment	payment	NOUN
ijtc-443	35	10	service	service	NOUN
ijtc-443	35	11	providers	provider	NOUN
ijtc-443	35	12	(	(	PUNCT
ijtc-443	35	13	pjp	pjp	ADJ
ijtc-443	35	14	)	)	PUNCT
ijtc-443	35	15	and	and	CCONJ
ijtc-443	35	16	venture	venture	NOUN
ijtc-443	35	17	stages	stage	NOUN
ijtc-443	35	18	.	.	PUNCT
ijtc-443	36	1	for	for	ADP
ijtc-443	36	2	instance	instance	NOUN
ijtc-443	36	3	,	,	PUNCT
ijtc-443	36	4	the	the	DET
ijtc-443	36	5	coordinated	coordinate	VERB
ijtc-443	36	6	effort	effort	NOUN
ijtc-443	36	7	among	among	ADP
ijtc-443	36	8	ovo	ovo	PROPN
ijtc-443	36	9	and	and	CCONJ
ijtc-443	36	10	bareksa	bareksa	PROPN
ijtc-443	36	11	and	and	CCONJ
ijtc-443	36	12	the	the	DET
ijtc-443	36	13	cooperation	cooperation	NOUN
ijtc-443	36	14	among	among	ADP
ijtc-443	36	15	linkaja	linkaja	NOUN
ijtc-443	36	16	and	and	CCONJ
ijtc-443	36	17	bibit	bibit	VERB
ijtc-443	36	18	to	to	PART
ijtc-443	36	19	offer	offer	VERB
ijtc-443	36	20	shared	shared	ADJ
ijtc-443	36	21	asset	asset	NOUN
ijtc-443	36	22	items	item	NOUN
ijtc-443	36	23	for	for	ADP
ijtc-443	36	24	clients	client	NOUN
ijtc-443	36	25	.	.	PUNCT
ijtc-443	37	1	third	third	ADJ
ijtc-443	37	2	,	,	PUNCT
ijtc-443	37	3	the	the	DET
ijtc-443	37	4	development	development	NOUN
ijtc-443	37	5	of	of	ADP
ijtc-443	37	6	the	the	DET
ijtc-443	37	7	biological	biological	ADJ
ijtc-443	37	8	system	system	NOUN
ijtc-443	37	9	through	through	ADP
ijtc-443	37	10	corporate	corporate	ADJ
ijtc-443	37	11	activities	activity	NOUN
ijtc-443	37	12	(	(	PUNCT
ijtc-443	37	13	sasongko	sasongko	NOUN
ijtc-443	37	14	et	et	PROPN
ijtc-443	37	15	al	al	PROPN
ijtc-443	37	16	.	.	PROPN
ijtc-443	37	17	,	,	PUNCT
ijtc-443	37	18	2022	2022	NUM
ijtc-443	37	19	;	;	PUNCT
ijtc-443	37	20	siueia	siueia	NOUN
ijtc-443	37	21	et	et	PROPN
ijtc-443	37	22	al	al	PROPN
ijtc-443	37	23	.	.	PROPN
ijtc-443	37	24	,	,	PUNCT
ijtc-443	37	25	2019	2019	NUM
ijtc-443	37	26	)	)	PUNCT
ijtc-443	37	27	.	.	PUNCT
ijtc-443	38	1	the	the	DET
ijtc-443	38	2	development	development	NOUN
ijtc-443	38	3	of	of	ADP
ijtc-443	38	4	this	this	DET
ijtc-443	38	5	biological	biological	ADJ
ijtc-443	38	6	system	system	NOUN
ijtc-443	38	7	is	be	AUX
ijtc-443	38	8	n't	not	PART
ijtc-443	38	9	just	just	ADV
ijtc-443	38	10	through	through	ADP
ijtc-443	38	11	acquisitions	acquisition	NOUN
ijtc-443	38	12	or	or	CCONJ
ijtc-443	38	13	consolidations	consolidation	NOUN
ijtc-443	38	14	yet	yet	ADV
ijtc-443	38	15	in	in	ADP
ijtc-443	38	16	addition	addition	NOUN
ijtc-443	38	17	useful	useful	ADJ
ijtc-443	38	18	joint	joint	ADJ
ijtc-443	38	19	efforts	effort	NOUN
ijtc-443	38	20	between	between	ADP
ijtc-443	38	21	industry	industry	NOUN
ijtc-443	38	22	players	player	NOUN
ijtc-443	38	23	,	,	PUNCT
ijtc-443	38	24	for	for	ADP
ijtc-443	38	25	example	example	NOUN
ijtc-443	38	26	,	,	PUNCT
ijtc-443	38	27	banks	bank	NOUN
ijtc-443	38	28	,	,	PUNCT
ijtc-443	38	29	fintech	fintech	NOUN
ijtc-443	38	30	and	and	CCONJ
ijtc-443	38	31	internet	internet	NOUN
ijtc-443	38	32	business	business	NOUN
ijtc-443	38	33	.	.	PUNCT
ijtc-443	39	1	fourth	fourth	ADJ
ijtc-443	39	2	,	,	PUNCT
ijtc-443	39	3	banking	banking	NOUN
ijtc-443	39	4	digitalization	digitalization	NOUN
ijtc-443	39	5	will	will	AUX
ijtc-443	39	6	be	be	AUX
ijtc-443	39	7	more	more	ADV
ijtc-443	39	8	inescapable	inescapable	ADJ
ijtc-443	39	9	.	.	PUNCT
ijtc-443	40	1	different	different	ADJ
ijtc-443	40	2	ways	way	NOUN
ijtc-443	40	3	are	be	AUX
ijtc-443	40	4	done	do	VERB
ijtc-443	40	5	by	by	ADP
ijtc-443	40	6	banks	bank	NOUN
ijtc-443	40	7	,	,	PUNCT
ijtc-443	40	8	beginning	begin	VERB
ijtc-443	40	9	from	from	ADP
ijtc-443	40	10	reinforcing	reinforce	VERB
ijtc-443	40	11	inward	inward	ADJ
ijtc-443	40	12	limit	limit	NOUN
ijtc-443	40	13	,	,	PUNCT
ijtc-443	40	14	both	both	CCONJ
ijtc-443	40	15	from	from	ADP
ijtc-443	40	16	business	business	NOUN
ijtc-443	40	17	methodology	methodology	NOUN
ijtc-443	40	18	,	,	PUNCT
ijtc-443	40	19	business	business	NOUN
ijtc-443	40	20	cycles	cycle	NOUN
ijtc-443	40	21	,	,	PUNCT
ijtc-443	40	22	innovation	innovation	NOUN
ijtc-443	40	23	and	and	CCONJ
ijtc-443	40	24	center	center	NOUN
ijtc-443	40	25	banking	banking	NOUN
ijtc-443	40	26	.	.	PUNCT
ijtc-443	41	1	for	for	ADP
ijtc-443	41	2	instance	instance	NOUN
ijtc-443	41	3	,	,	PUNCT
ijtc-443	41	4	procuring	procure	VERB
ijtc-443	41	5	little	little	ADJ
ijtc-443	41	6	banks	bank	NOUN
ijtc-443	41	7	and	and	CCONJ
ijtc-443	41	8	afterward	afterward	ADV
ijtc-443	41	9	growing	grow	VERB
ijtc-443	41	10	the	the	DET
ijtc-443	41	11	biological	biological	ADJ
ijtc-443	41	12	system	system	NOUN
ijtc-443	41	13	with	with	ADP
ijtc-443	41	14	the	the	DET
ijtc-443	41	15	goal	goal	NOUN
ijtc-443	41	16	that	that	SCONJ
ijtc-443	41	17	few	few	ADJ
ijtc-443	41	18	banks	bank	NOUN
ijtc-443	41	19	can	can	AUX
ijtc-443	41	20	accomplish	accomplish	VERB
ijtc-443	41	21	positive	positive	ADJ
ijtc-443	41	22	execution	execution	NOUN
ijtc-443	41	23	.	.	PUNCT
ijtc-443	42	1	e	e	X
ijtc-443	42	2	-	-	NOUN
ijtc-443	42	3	money	money	NOUN
ijtc-443	42	4	is	be	AUX
ijtc-443	42	5	perhaps	perhaps	ADV
ijtc-443	42	6	the	the	DET
ijtc-443	42	7	most	most	ADV
ijtc-443	42	8	likely	likely	ADJ
ijtc-443	42	9	choice	choice	NOUN
ijtc-443	42	10	to	to	PART
ijtc-443	42	11	help	help	VERB
ijtc-443	42	12	monetary	monetary	ADJ
ijtc-443	42	13	incorporation	incorporation	NOUN
ijtc-443	42	14	(	(	PUNCT
ijtc-443	42	15	ali	ali	PROPN
ijtc-443	42	16	et	et	PROPN
ijtc-443	42	17	al	al	PROPN
ijtc-443	42	18	.	.	PROPN
ijtc-443	42	19	,	,	PUNCT
ijtc-443	42	20	2021	2021	NUM
ijtc-443	42	21	;	;	PUNCT
ijtc-443	42	22	chuc	chuc	PROPN
ijtc-443	42	23	et	et	PROPN
ijtc-443	42	24	al	al	PROPN
ijtc-443	42	25	.	.	PROPN
ijtc-443	42	26	,	,	PUNCT
ijtc-443	42	27	2022	2022	NUM
ijtc-443	42	28	;	;	PUNCT
ijtc-443	42	29	liu	liu	PROPN
ijtc-443	42	30	et	et	PROPN
ijtc-443	42	31	al	al	PROPN
ijtc-443	42	32	.	.	PROPN
ijtc-443	42	33	,	,	PUNCT
ijtc-443	42	34	2021	2021	NUM
ijtc-443	42	35	)	)	PUNCT
ijtc-443	42	36	.	.	PUNCT
ijtc-443	43	1	media	medium	NOUN
ijtc-443	43	2	transmission	transmission	NOUN
ijtc-443	43	3	and	and	CCONJ
ijtc-443	43	4	banking	banking	NOUN
ijtc-443	43	5	organizations	organization	NOUN
ijtc-443	43	6	are	be	AUX
ijtc-443	43	7	additionally	additionally	ADV
ijtc-443	43	8	contending	contend	VERB
ijtc-443	43	9	to	to	PART
ijtc-443	43	10	give	give	VERB
ijtc-443	43	11	e	e	NOUN
ijtc-443	43	12	-	-	ADJ
ijtc-443	43	13	cash	cash	ADJ
ijtc-443	43	14	administrations	administration	NOUN
ijtc-443	43	15	and	and	CCONJ
ijtc-443	43	16	items	item	NOUN
ijtc-443	43	17	(	(	PUNCT
ijtc-443	43	18	ding	ding	NOUN
ijtc-443	43	19	et	et	PROPN
ijtc-443	43	20	al	al	PROPN
ijtc-443	43	21	.	.	PROPN
ijtc-443	43	22	,	,	PUNCT
ijtc-443	43	23	2022	2022	NUM
ijtc-443	43	24	;	;	PUNCT
ijtc-443	43	25	luo	luo	PROPN
ijtc-443	43	26	et	et	PROPN
ijtc-443	43	27	al	al	PROPN
ijtc-443	43	28	.	.	PROPN
ijtc-443	43	29	,	,	PUNCT
ijtc-443	43	30	2022	2022	NUM
ijtc-443	43	31	;	;	PUNCT
ijtc-443	43	32	schindler	schindler	NOUN
ijtc-443	43	33	,	,	PUNCT
ijtc-443	43	34	2017	2017	NUM
ijtc-443	43	35	;	;	PUNCT
ijtc-443	43	36	senyo	senyo	PROPN
ijtc-443	43	37	&	&	CCONJ
ijtc-443	43	38	osabutey	osabutey	PROPN
ijtc-443	43	39	,	,	PUNCT
ijtc-443	43	40	2020	2020	NUM
ijtc-443	43	41	;	;	PUNCT
ijtc-443	43	42	yang	yang	PROPN
ijtc-443	43	43	&	&	CCONJ
ijtc-443	43	44	wang	wang	PROPN
ijtc-443	43	45	,	,	PUNCT
ijtc-443	43	46	2022	2022	NUM
ijtc-443	43	47	)	)	PUNCT
ijtc-443	43	48	.	.	PUNCT
ijtc-443	44	1	practically	practically	ADV
ijtc-443	44	2	all	all	DET
ijtc-443	44	3	significant	significant	ADJ
ijtc-443	44	4	banks	bank	NOUN
ijtc-443	44	5	in	in	ADP
ijtc-443	44	6	indonesia	indonesia	PROPN
ijtc-443	44	7	presently	presently	ADV
ijtc-443	44	8	have	have	VERB
ijtc-443	44	9	e	e	NOUN
ijtc-443	44	10	-	-	NOUN
ijtc-443	44	11	cash	cash	NOUN
ijtc-443	44	12	administrations	administration	NOUN
ijtc-443	44	13	,	,	PUNCT
ijtc-443	44	14	for	for	ADP
ijtc-443	44	15	example	example	NOUN
ijtc-443	44	16	,	,	PUNCT
ijtc-443	44	17	mandiri	mandiri	NOUN
ijtc-443	44	18	e	e	NOUN
ijtc-443	44	19	-	-	NOUN
ijtc-443	44	20	cash	cash	NOUN
ijtc-443	44	21	,	,	PUNCT
ijtc-443	44	22	bri	bri	PROPN
ijtc-443	44	23	brizzi	brizzi	NOUN
ijtc-443	44	24	,	,	PUNCT
ijtc-443	44	25	bni	bni	PROPN
ijtc-443	44	26	tapcash	tapcash	PROPN
ijtc-443	44	27	,	,	PUNCT
ijtc-443	44	28	bca	bca	PROPN
ijtc-443	44	29	flazz	flazz	PROPN
ijtc-443	44	30	,	,	PUNCT
ijtc-443	44	31	and	and	CCONJ
ijtc-443	44	32	furthermore	furthermore	ADV
ijtc-443	44	33	t	t	NOUN
ijtc-443	44	34	-	-	PUNCT
ijtc-443	44	35	cash	cash	NOUN
ijtc-443	44	36	which	which	PRON
ijtc-443	44	37	is	be	AUX
ijtc-443	44	38	a	a	DET
ijtc-443	44	39	result	result	NOUN
ijtc-443	44	40	of	of	ADP
ijtc-443	44	41	the	the	DET
ijtc-443	44	42	media	medium	NOUN
ijtc-443	44	43	communications	communication	NOUN
ijtc-443	44	44	organization	organization	NOUN
ijtc-443	44	45	,	,	PUNCT
ijtc-443	44	46	telkomsel	telkomsel	PROPN
ijtc-443	44	47	.	.	PUNCT
ijtc-443	45	1	indeed	indeed	ADV
ijtc-443	45	2	,	,	PUNCT
ijtc-443	45	3	their	their	PRON
ijtc-443	45	4	means	mean	NOUN
ijtc-443	45	5	were	be	AUX
ijtc-443	45	6	likewise	likewise	ADV
ijtc-443	45	7	trailed	trail	VERB
ijtc-443	45	8	by	by	ADP
ijtc-443	45	9	new	new	ADJ
ijtc-443	45	10	company	company	NOUN
ijtc-443	45	11	players	player	NOUN
ijtc-443	45	12	,	,	PUNCT
ijtc-443	45	13	definitively	definitively	ADV
ijtc-443	45	14	in	in	ADP
ijtc-443	45	15	the	the	DET
ijtc-443	45	16	fintech	fintech	NOUN
ijtc-443	45	17	field	field	NOUN
ijtc-443	45	18	which	which	PRON
ijtc-443	45	19	has	have	VERB
ijtc-443	45	20	a	a	DET
ijtc-443	45	21	more	more	ADV
ijtc-443	45	22	limited	limited	ADJ
ijtc-443	45	23	size	size	NOUN
ijtc-443	45	24	however	however	ADV
ijtc-443	45	25	exceptionally	exceptionally	ADV
ijtc-443	45	26	light	light	ADJ
ijtc-443	45	27	-	-	PUNCT
ijtc-443	45	28	footed	footed	ADJ
ijtc-443	45	29	developments	development	NOUN
ijtc-443	45	30	,	,	PUNCT
ijtc-443	45	31	for	for	ADP
ijtc-443	45	32	example	example	NOUN
ijtc-443	45	33	,	,	PUNCT
ijtc-443	45	34	tokocash	tokocash	NOUN
ijtc-443	45	35	claimed	claim	VERB
ijtc-443	45	36	by	by	ADP
ijtc-443	45	37	tokopedia	tokopedia	PROPN
ijtc-443	45	38	,	,	PUNCT
ijtc-443	45	39	there	there	PRON
ijtc-443	45	40	is	be	VERB
ijtc-443	45	41	bukadompet	bukadompet	NOUN
ijtc-443	45	42	possessed	possess	VERB
ijtc-443	45	43	by	by	ADP
ijtc-443	45	44	bukalapak	bukalapak	NOUN
ijtc-443	45	45	and	and	CCONJ
ijtc-443	45	46	gopay	gopay	NOUN
ijtc-443	45	47	has	have	VERB
ijtc-443	45	48	a	a	DET
ijtc-443	45	49	place	place	NOUN
ijtc-443	45	50	with	with	ADP
ijtc-443	45	51	gojek	gojek	NOUN
ijtc-443	45	52	(	(	PUNCT
ijtc-443	45	53	y.	y.	PROPN
ijtc-443	45	54	chen	chen	PROPN
ijtc-443	45	55	et	et	PROPN
ijtc-443	45	56	al	al	PROPN
ijtc-443	45	57	.	.	PROPN
ijtc-443	45	58	,	,	PUNCT
ijtc-443	45	59	2022	2022	NUM
ijtc-443	45	60	;	;	PUNCT
ijtc-443	45	61	daud	daud	PROPN
ijtc-443	45	62	et	et	PROPN
ijtc-443	45	63	al	al	PROPN
ijtc-443	45	64	.	.	PROPN
ijtc-443	45	65	,	,	PUNCT
ijtc-443	45	66	2021	2021	NUM
ijtc-443	45	67	;	;	PUNCT
ijtc-443	45	68	he	he	PRON
ijtc-443	45	69	et	et	VERB
ijtc-443	45	70	al	al	PROPN
ijtc-443	45	71	.	.	PROPN
ijtc-443	45	72	,	,	PUNCT
ijtc-443	45	73	2017	2017	NUM
ijtc-443	45	74	;	;	PUNCT
ijtc-443	45	75	ioannou	ioannou	NOUN
ijtc-443	45	76	&	&	CCONJ
ijtc-443	45	77	wójcik	wójcik	PROPN
ijtc-443	45	78	,	,	PUNCT
ijtc-443	45	79	2022	2022	NUM
ijtc-443	45	80	;	;	PUNCT
ijtc-443	45	81	muthukannan	muthukannan	NOUN
ijtc-443	45	82	et	et	PROPN
ijtc-443	45	83	al	al	PROPN
ijtc-443	45	84	.	.	PROPN
ijtc-443	45	85	,	,	PUNCT
ijtc-443	45	86	2021	2021	NUM
ijtc-443	45	87	)	)	PUNCT
ijtc-443	45	88	.	.	PUNCT
ijtc-443	46	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-443	46	2	finance	finance	NOUN
ijtc-443	46	3	technology	technology	NOUN
ijtc-443	46	4	innovation	innovation	NOUN
ijtc-443	46	5	in	in	ADP
ijtc-443	46	6	the	the	DET
ijtc-443	46	7	finance	finance	NOUN
ijtc-443	46	8	sector	sector	NOUN
ijtc-443	46	9	:	:	PUNCT
ijtc-443	46	10	the	the	DET
ijtc-443	46	11	role	role	NOUN
ijtc-443	46	12	of	of	ADP
ijtc-443	46	13	e	e	NOUN
ijtc-443	46	14	-	-	NOUN
ijtc-443	46	15	money	money	NOUN
ijtc-443	46	16	on	on	ADP
ijtc-443	46	17	increasing	increase	VERB
ijtc-443	46	18	tax	tax	NOUN
ijtc-443	46	19	revenue	revenue	NOUN
ijtc-443	46	20	kusyeni	kusyeni	NOUN
ijtc-443	46	21	,	,	PUNCT
ijtc-443	46	22	pandoyo	pandoyo	NOUN
ijtc-443	46	23	,	,	PUNCT
ijtc-443	46	24	kumala	kumala	NOUN
ijtc-443	46	25	,	,	PUNCT
ijtc-443	46	26	and	and	CCONJ
ijtc-443	46	27	sofyan	sofyan	PROPN
ijtc-443	46	28	.	.	PUNCT
ijtc-443	47	1	141	141	NUM
ijtc-443	47	2	|	|	ADV
ijtc-443	47	3	ilomata	ilomata	PROPN
ijtc-443	47	4	international	international	ADJ
ijtc-443	47	5	journal	journal	NOUN
ijtc-443	47	6	of	of	ADP
ijtc-443	47	7	tax	tax	PROPN
ijtc-443	47	8	&	&	CCONJ
ijtc-443	47	9	accounting	accounting	PROPN
ijtc-443	47	10	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-443	47	11	based	base	VERB
ijtc-443	47	12	on	on	ADP
ijtc-443	47	13	data	datum	NOUN
ijtc-443	47	14	from	from	ADP
ijtc-443	47	15	bank	bank	PROPN
ijtc-443	47	16	indonesia	indonesia	PROPN
ijtc-443	47	17	,	,	PUNCT
ijtc-443	47	18	the	the	DET
ijtc-443	47	19	value	value	NOUN
ijtc-443	47	20	of	of	ADP
ijtc-443	47	21	electronic	electronic	ADJ
ijtc-443	47	22	money	money	NOUN
ijtc-443	47	23	transactions	transaction	NOUN
ijtc-443	47	24	reached	reach	VERB
ijtc-443	47	25	35.10	35.10	NUM
ijtc-443	47	26	trillion	trillion	NUM
ijtc-443	47	27	as	as	ADP
ijtc-443	47	28	of	of	ADP
ijtc-443	47	29	december	december	PROPN
ijtc-443	47	30	2021	2021	NUM
ijtc-443	47	31	.	.	PUNCT
ijtc-443	48	1	the	the	DET
ijtc-443	48	2	value	value	NOUN
ijtc-443	48	3	of	of	ADP
ijtc-443	48	4	electronic	electronic	ADJ
ijtc-443	48	5	money	money	NOUN
ijtc-443	48	6	transactions	transaction	NOUN
ijtc-443	48	7	in	in	ADP
ijtc-443	48	8	that	that	DET
ijtc-443	48	9	month	month	NOUN
ijtc-443	48	10	increased	increase	VERB
ijtc-443	48	11	by	by	ADP
ijtc-443	48	12	58.60	58.60	NUM
ijtc-443	48	13	%	%	NOUN
ijtc-443	48	14	compared	compare	VERB
ijtc-443	48	15	to	to	ADP
ijtc-443	48	16	the	the	DET
ijtc-443	48	17	same	same	ADJ
ijtc-443	48	18	period	period	NOUN
ijtc-443	48	19	the	the	DET
ijtc-443	48	20	previous	previous	ADJ
ijtc-443	48	21	year	year	NOUN
ijtc-443	48	22	in	in	ADP
ijtc-443	48	23	december	december	PROPN
ijtc-443	48	24	2020	2020	NUM
ijtc-443	48	25	.	.	PUNCT
ijtc-443	49	1	electronic	electronic	ADJ
ijtc-443	49	2	money	money	NOUN
ijtc-443	49	3	reached	reach	VERB
ijtc-443	49	4	22.13	22.13	NUM
ijtc-443	49	5	trillion	trillion	NUM
ijtc-443	49	6	.	.	PUNCT
ijtc-443	50	1	not	not	PART
ijtc-443	50	2	only	only	ADV
ijtc-443	50	3	that	that	PRON
ijtc-443	50	4	,	,	PUNCT
ijtc-443	50	5	this	this	DET
ijtc-443	50	6	percentage	percentage	NOUN
ijtc-443	50	7	also	also	ADV
ijtc-443	50	8	increased	increase	VERB
ijtc-443	50	9	by	by	ADP
ijtc-443	50	10	12.17	12.17	NUM
ijtc-443	50	11	percent	percent	NOUN
ijtc-443	50	12	compared	compare	VERB
ijtc-443	50	13	to	to	ADP
ijtc-443	50	14	november	november	PROPN
ijtc-443	50	15	2021	2021	NUM
ijtc-443	50	16	which	which	PRON
ijtc-443	50	17	reached	reach	VERB
ijtc-443	50	18	31.29	31.29	NUM
ijtc-443	50	19	trillion	trillion	NUM
ijtc-443	50	20	.	.	PUNCT
ijtc-443	51	1	the	the	DET
ijtc-443	51	2	volume	volume	NOUN
ijtc-443	51	3	of	of	ADP
ijtc-443	51	4	transactions	transaction	NOUN
ijtc-443	51	5	with	with	ADP
ijtc-443	51	6	electronic	electronic	ADJ
ijtc-443	51	7	money	money	NOUN
ijtc-443	51	8	in	in	ADP
ijtc-443	51	9	indonesia	indonesia	PROPN
ijtc-443	51	10	was	be	AUX
ijtc-443	51	11	recorded	record	VERB
ijtc-443	51	12	at	at	ADP
ijtc-443	51	13	602.29	602.29	NUM
ijtc-443	51	14	million	million	NUM
ijtc-443	51	15	in	in	ADP
ijtc-443	51	16	december	december	PROPN
ijtc-443	51	17	2021	2021	NUM
ijtc-443	51	18	.	.	PUNCT
ijtc-443	52	1	this	this	DET
ijtc-443	52	2	number	number	NOUN
ijtc-443	52	3	increased	increase	VERB
ijtc-443	52	4	by	by	ADP
ijtc-443	52	5	13.63	13.63	NUM
ijtc-443	52	6	%	%	NOUN
ijtc-443	52	7	compared	compare	VERB
ijtc-443	52	8	to	to	ADP
ijtc-443	52	9	november	november	PROPN
ijtc-443	52	10	2021	2021	NUM
ijtc-443	52	11	which	which	PRON
ijtc-443	52	12	reached	reach	VERB
ijtc-443	52	13	530.02	530.02	NUM
ijtc-443	52	14	million	million	NUM
ijtc-443	52	15	transactions	transaction	NOUN
ijtc-443	52	16	.	.	PUNCT
ijtc-443	53	1	the	the	DET
ijtc-443	53	2	transaction	transaction	NOUN
ijtc-443	53	3	volume	volume	NOUN
ijtc-443	53	4	figure	figure	NOUN
ijtc-443	53	5	increased	increase	VERB
ijtc-443	53	6	by	by	ADP
ijtc-443	53	7	37.49	37.49	NUM
ijtc-443	53	8	%	%	NOUN
ijtc-443	53	9	compared	compare	VERB
ijtc-443	53	10	to	to	ADP
ijtc-443	53	11	december	december	PROPN
ijtc-443	53	12	2020	2020	NUM
ijtc-443	53	13	.	.	PUNCT
ijtc-443	54	1	at	at	ADP
ijtc-443	54	2	that	that	DET
ijtc-443	54	3	time	time	NOUN
ijtc-443	54	4	,	,	PUNCT
ijtc-443	54	5	the	the	DET
ijtc-443	54	6	volume	volume	NOUN
ijtc-443	54	7	of	of	ADP
ijtc-443	54	8	transactions	transaction	NOUN
ijtc-443	54	9	with	with	ADP
ijtc-443	54	10	electronic	electronic	ADJ
ijtc-443	54	11	money	money	NOUN
ijtc-443	54	12	was	be	AUX
ijtc-443	54	13	recorded	record	VERB
ijtc-443	54	14	at	at	ADP
ijtc-443	54	15	438.04	438.04	NUM
ijtc-443	54	16	million	million	NUM
ijtc-443	54	17	:	:	PUNCT
ijtc-443	54	18	graph	graph	NOUN
ijtc-443	54	19	1	1	NUM
ijtc-443	54	20	graph	graph	NOUN
ijtc-443	54	21	of	of	ADP
ijtc-443	54	22	the	the	DET
ijtc-443	54	23	development	development	NOUN
ijtc-443	54	24	of	of	ADP
ijtc-443	54	25	electronic	electronic	ADJ
ijtc-443	54	26	transactions	transaction	NOUN
ijtc-443	54	27	in	in	ADP
ijtc-443	54	28	indonesia	indonesia	PROPN
ijtc-443	54	29	2021	2021	NUM
ijtc-443	54	30	data	datum	NOUN
ijtc-443	54	31	source	source	NOUN
ijtc-443	54	32	:	:	PUNCT
ijtc-443	54	33	indonesia	indonesia	PROPN
ijtc-443	54	34	bank	bank	PROPN
ijtc-443	54	35	,	,	PUNCT
ijtc-443	54	36	2022	2022	NUM
ijtc-443	54	37	from	from	ADP
ijtc-443	54	38	the	the	DET
ijtc-443	54	39	diagram	diagram	NOUN
ijtc-443	54	40	above	above	ADV
ijtc-443	54	41	,	,	PUNCT
ijtc-443	54	42	obviously	obviously	ADV
ijtc-443	54	43	the	the	DET
ijtc-443	54	44	advancement	advancement	NOUN
ijtc-443	54	45	of	of	ADP
ijtc-443	54	46	financial	financial	ADJ
ijtc-443	54	47	technology	technology	NOUN
ijtc-443	54	48	(	(	PUNCT
ijtc-443	54	49	fintech	fintech	NOUN
ijtc-443	54	50	)	)	PUNCT
ijtc-443	54	51	can	can	AUX
ijtc-443	54	52	impact	impact	VERB
ijtc-443	54	53	the	the	DET
ijtc-443	54	54	way	way	NOUN
ijtc-443	54	55	of	of	ADP
ijtc-443	54	56	life	life	NOUN
ijtc-443	54	57	of	of	ADP
ijtc-443	54	58	individuals	individual	NOUN
ijtc-443	54	59	in	in	ADP
ijtc-443	54	60	indonesia	indonesia	PROPN
ijtc-443	54	61	,	,	PUNCT
ijtc-443	54	62	besides	besides	ADV
ijtc-443	54	63	,	,	PUNCT
ijtc-443	54	64	fintech	fintech	NOUN
ijtc-443	54	65	is	be	AUX
ijtc-443	54	66	currently	currently	ADV
ijtc-443	54	67	present	present	ADJ
ijtc-443	54	68	as	as	ADP
ijtc-443	54	69	a	a	DET
ijtc-443	54	70	day	day	NOUN
ijtc-443	54	71	by	by	ADP
ijtc-443	54	72	day	day	NOUN
ijtc-443	54	73	need	need	NOUN
ijtc-443	54	74	.	.	PUNCT
ijtc-443	55	1	the	the	DET
ijtc-443	55	2	presence	presence	NOUN
ijtc-443	55	3	of	of	ADP
ijtc-443	55	4	this	this	DET
ijtc-443	55	5	fintech	fintech	NOUN
ijtc-443	55	6	obviously	obviously	ADV
ijtc-443	55	7	has	have	VERB
ijtc-443	55	8	its	its	PRON
ijtc-443	55	9	own	own	ADJ
ijtc-443	55	10	motivation	motivation	NOUN
ijtc-443	55	11	,	,	PUNCT
ijtc-443	55	12	in	in	ADP
ijtc-443	55	13	particular	particular	ADJ
ijtc-443	55	14	so	so	SCONJ
ijtc-443	55	15	that	that	SCONJ
ijtc-443	55	16	individuals	individual	NOUN
ijtc-443	55	17	can	can	AUX
ijtc-443	55	18	undoubtedly	undoubtedly	ADV
ijtc-443	55	19	get	get	VERB
ijtc-443	55	20	to	to	ADP
ijtc-443	55	21	monetary	monetary	ADJ
ijtc-443	55	22	items	item	NOUN
ijtc-443	55	23	in	in	ADP
ijtc-443	55	24	each	each	DET
ijtc-443	55	25	exchange	exchange	NOUN
ijtc-443	55	26	.	.	PUNCT
ijtc-443	56	1	the	the	DET
ijtc-443	56	2	advancement	advancement	NOUN
ijtc-443	56	3	of	of	ADP
ijtc-443	56	4	the	the	DET
ijtc-443	56	5	fintech	fintech	NOUN
ijtc-443	56	6	business	business	NOUN
ijtc-443	56	7	in	in	ADP
ijtc-443	56	8	indonesia	indonesia	PROPN
ijtc-443	56	9	begins	begin	VERB
ijtc-443	56	10	with	with	ADP
ijtc-443	56	11	the	the	DET
ijtc-443	56	12	quantity	quantity	NOUN
ijtc-443	56	13	of	of	ADP
ijtc-443	56	14	business	business	NOUN
ijtc-443	56	15	people	people	NOUN
ijtc-443	56	16	who	who	PRON
ijtc-443	56	17	take	take	VERB
ijtc-443	56	18	an	an	DET
ijtc-443	56	19	interest	interest	NOUN
ijtc-443	56	20	in	in	ADP
ijtc-443	56	21	the	the	DET
ijtc-443	56	22	online	online	ADJ
ijtc-443	56	23	business	business	NOUN
ijtc-443	56	24	time	time	NOUN
ijtc-443	56	25	,	,	PUNCT
ijtc-443	56	26	from	from	ADP
ijtc-443	56	27	smes	sme	NOUN
ijtc-443	56	28	to	to	ADP
ijtc-443	56	29	the	the	DET
ijtc-443	56	30	center	center	NOUN
ijtc-443	56	31	section	section	NOUN
ijtc-443	56	32	.	.	PUNCT
ijtc-443	57	1	nonetheless	nonetheless	ADV
ijtc-443	57	2	,	,	PUNCT
ijtc-443	57	3	in	in	ADP
ijtc-443	57	4	its	its	PRON
ijtc-443	57	5	execution	execution	NOUN
ijtc-443	57	6	there	there	PRON
ijtc-443	57	7	are	be	VERB
ijtc-443	57	8	still	still	ADV
ijtc-443	57	9	issues	issue	NOUN
ijtc-443	57	10	with	with	ADP
ijtc-443	57	11	installment	installment	NOUN
ijtc-443	57	12	issues	issue	NOUN
ijtc-443	57	13	.	.	PUNCT
ijtc-443	58	1	one	one	NUM
ijtc-443	58	2	of	of	ADP
ijtc-443	58	3	the	the	DET
ijtc-443	58	4	deterrents	deterrent	NOUN
ijtc-443	58	5	that	that	PRON
ijtc-443	58	6	happen	happen	VERB
ijtc-443	58	7	is	be	AUX
ijtc-443	58	8	the	the	DET
ijtc-443	58	9	indonesian	indonesian	ADJ
ijtc-443	58	10	individuals	individual	NOUN
ijtc-443	58	11	who	who	PRON
ijtc-443	58	12	actually	actually	ADV
ijtc-443	58	13	utilize	utilize	VERB
ijtc-443	58	14	the	the	DET
ijtc-443	58	15	money	money	NOUN
ijtc-443	58	16	society	society	NOUN
ijtc-443	58	17	framework	framework	NOUN
ijtc-443	58	18	(	(	PUNCT
ijtc-443	58	19	tualeka	tualeka	NOUN
ijtc-443	58	20	et	et	NOUN
ijtc-443	58	21	al	al	PROPN
ijtc-443	58	22	.	.	PROPN
ijtc-443	58	23	,	,	PUNCT
ijtc-443	58	24	2021	2021	NUM
ijtc-443	58	25	)	)	PUNCT
ijtc-443	58	26	.	.	PUNCT
ijtc-443	59	1	the	the	DET
ijtc-443	59	2	minister	minister	PROPN
ijtc-443	59	3	of	of	ADP
ijtc-443	59	4	finance	finance	NOUN
ijtc-443	59	5	clarified	clarify	VERB
ijtc-443	59	6	that	that	SCONJ
ijtc-443	59	7	the	the	DET
ijtc-443	59	8	job	job	NOUN
ijtc-443	59	9	of	of	ADP
ijtc-443	59	10	fintech	fintech	NOUN
ijtc-443	59	11	to	to	PART
ijtc-443	59	12	help	help	VERB
ijtc-443	59	13	little	little	ADJ
ijtc-443	59	14	and	and	CCONJ
ijtc-443	59	15	medium	medium	ADJ
ijtc-443	59	16	ventures	venture	NOUN
ijtc-443	59	17	is	be	AUX
ijtc-443	59	18	additionally	additionally	ADV
ijtc-443	59	19	critical	critical	ADJ
ijtc-443	59	20	.	.	PUNCT
ijtc-443	60	1	little	little	ADJ
ijtc-443	60	2	business	business	NOUN
ijtc-443	60	3	visionaries	visionary	NOUN
ijtc-443	60	4	get	get	VERB
ijtc-443	60	5	more	more	ADV
ijtc-443	60	6	effective	effective	ADJ
ijtc-443	60	7	and	and	CCONJ
ijtc-443	60	8	simpler	simple	ADJ
ijtc-443	60	9	subsidizing	subsidize	VERB
ijtc-443	60	10	,	,	PUNCT
ijtc-443	60	11	so	so	SCONJ
ijtc-443	60	12	they	they	PRON
ijtc-443	60	13	become	become	VERB
ijtc-443	60	14	an	an	DET
ijtc-443	60	15	elective	elective	ADJ
ijtc-443	60	16	wellspring	wellspring	NOUN
ijtc-443	60	17	of	of	ADP
ijtc-443	60	18	financing	financing	NOUN
ijtc-443	60	19	on	on	ADP
ijtc-443	60	20	the	the	DET
ijtc-443	60	21	grounds	ground	NOUN
ijtc-443	60	22	that	that	SCONJ
ijtc-443	60	23	the	the	DET
ijtc-443	60	24	system	system	NOUN
ijtc-443	60	25	is	be	AUX
ijtc-443	60	26	viewed	view	VERB
ijtc-443	60	27	as	as	ADP
ijtc-443	60	28	exceptionally	exceptionally	ADV
ijtc-443	60	29	short	short	ADJ
ijtc-443	60	30	,	,	PUNCT
ijtc-443	60	31	basic	basic	ADJ
ijtc-443	60	32	,	,	PUNCT
ijtc-443	60	33	and	and	CCONJ
ijtc-443	60	34	simple	simple	ADJ
ijtc-443	60	35	(	(	PUNCT
ijtc-443	60	36	herdinata	herdinata	PROPN
ijtc-443	60	37	&	&	CCONJ
ijtc-443	60	38	pranatasari	pranatasari	ADJ
ijtc-443	60	39	,	,	PUNCT
ijtc-443	60	40	2020	2020	NUM
ijtc-443	60	41	)	)	PUNCT
ijtc-443	60	42	.	.	PUNCT
ijtc-443	61	1	seeing	see	VERB
ijtc-443	61	2	this	this	DET
ijtc-443	61	3	condition	condition	NOUN
ijtc-443	61	4	,	,	PUNCT
ijtc-443	61	5	in	in	ADP
ijtc-443	61	6	the	the	DET
ijtc-443	61	7	time	time	NOUN
ijtc-443	61	8	of	of	ADP
ijtc-443	61	9	the	the	DET
ijtc-443	61	10	covid-19	covid-19	PROPN
ijtc-443	61	11	pandemic	pandemic	NOUN
ijtc-443	61	12	,	,	PUNCT
ijtc-443	61	13	the	the	DET
ijtc-443	61	14	presence	presence	NOUN
ijtc-443	61	15	of	of	ADP
ijtc-443	61	16	fintech	fintech	NOUN
ijtc-443	61	17	is	be	AUX
ijtc-443	61	18	additionally	additionally	ADV
ijtc-443	61	19	vital	vital	ADJ
ijtc-443	61	20	in	in	ADP
ijtc-443	61	21	government	government	NOUN
ijtc-443	61	22	exercises	exercise	NOUN
ijtc-443	61	23	,	,	PUNCT
ijtc-443	61	24	for	for	ADP
ijtc-443	61	25	example	example	NOUN
ijtc-443	61	26	,	,	PUNCT
ijtc-443	61	27	exercises	exercise	NOUN
ijtc-443	61	28	in	in	ADP
ijtc-443	61	29	giving	give	VERB
ijtc-443	61	30	non	non	ADJ
ijtc-443	61	31	-	-	ADJ
ijtc-443	61	32	cash	cash	ADJ
ijtc-443	61	33	social	social	ADJ
ijtc-443	61	34	help	help	NOUN
ijtc-443	61	35	to	to	ADP
ijtc-443	61	36	individuals	individual	NOUN
ijtc-443	61	37	impacted	impact	VERB
ijtc-443	61	38	by	by	ADP
ijtc-443	61	39	the	the	DET
ijtc-443	61	40	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-443	61	41	finance	finance	NOUN
ijtc-443	61	42	technology	technology	NOUN
ijtc-443	61	43	innovation	innovation	NOUN
ijtc-443	61	44	in	in	ADP
ijtc-443	61	45	the	the	DET
ijtc-443	61	46	finance	finance	NOUN
ijtc-443	61	47	sector	sector	NOUN
ijtc-443	61	48	:	:	PUNCT
ijtc-443	61	49	the	the	DET
ijtc-443	61	50	role	role	NOUN
ijtc-443	61	51	of	of	ADP
ijtc-443	61	52	e	e	NOUN
ijtc-443	61	53	-	-	NOUN
ijtc-443	61	54	money	money	NOUN
ijtc-443	61	55	on	on	ADP
ijtc-443	61	56	increasing	increase	VERB
ijtc-443	61	57	tax	tax	NOUN
ijtc-443	61	58	revenue	revenue	NOUN
ijtc-443	61	59	kusyeni	kusyeni	NOUN
ijtc-443	61	60	,	,	PUNCT
ijtc-443	61	61	pandoyo	pandoyo	NOUN
ijtc-443	61	62	,	,	PUNCT
ijtc-443	61	63	kumala	kumala	NOUN
ijtc-443	61	64	,	,	PUNCT
ijtc-443	61	65	and	and	CCONJ
ijtc-443	61	66	sofyan	sofyan	PROPN
ijtc-443	61	67	.	.	PUNCT
ijtc-443	62	1	142	142	NUM
ijtc-443	62	2	|	|	ADV
ijtc-443	62	3	ilomata	ilomata	PROPN
ijtc-443	62	4	international	international	ADJ
ijtc-443	62	5	journal	journal	NOUN
ijtc-443	62	6	of	of	ADP
ijtc-443	62	7	tax	tax	PROPN
ijtc-443	62	8	&	&	CCONJ
ijtc-443	62	9	accounting	account	VERB
ijtc-443	62	10	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-443	62	11	covid-19	covid-19	PROPN
ijtc-443	62	12	pandemic	pandemic	NOUN
ijtc-443	62	13	through	through	ADP
ijtc-443	62	14	the	the	DET
ijtc-443	62	15	pre	pre	ADJ
ijtc-443	62	16	-	-	ADJ
ijtc-443	62	17	employment	employment	ADJ
ijtc-443	62	18	card	card	NOUN
ijtc-443	62	19	program	program	NOUN
ijtc-443	62	20	which	which	PRON
ijtc-443	62	21	is	be	AUX
ijtc-443	62	22	given	give	VERB
ijtc-443	62	23	to	to	ADP
ijtc-443	62	24	5.3	5.3	NUM
ijtc-443	62	25	million	million	NUM
ijtc-443	62	26	unique	unique	ADJ
ijtc-443	62	27	occupants	occupant	NOUN
ijtc-443	62	28	.	.	PUNCT
ijtc-443	63	1	new	new	ADJ
ijtc-443	63	2	beneficiary	beneficiary	NOUN
ijtc-443	63	3	the	the	DET
ijtc-443	63	4	help	help	NOUN
ijtc-443	63	5	is	be	AUX
ijtc-443	63	6	given	give	VERB
ijtc-443	63	7	as	as	ADP
ijtc-443	63	8	cash	cash	NOUN
ijtc-443	63	9	sent	send	VERB
ijtc-443	63	10	through	through	ADP
ijtc-443	63	11	a	a	DET
ijtc-443	63	12	computerized	computerized	ADJ
ijtc-443	63	13	record	record	NOUN
ijtc-443	63	14	or	or	CCONJ
ijtc-443	63	15	e	e	NOUN
ijtc-443	63	16	-	-	NOUN
ijtc-443	63	17	wallet	wallet	NOUN
ijtc-443	63	18	to	to	ADP
ijtc-443	63	19	every	every	DET
ijtc-443	63	20	beneficiary	beneficiary	NOUN
ijtc-443	63	21	(	(	PUNCT
ijtc-443	63	22	fu	fu	PROPN
ijtc-443	63	23	&	&	CCONJ
ijtc-443	63	24	mishra	mishra	PROPN
ijtc-443	63	25	,	,	PUNCT
ijtc-443	63	26	2022	2022	NUM
ijtc-443	63	27	;	;	PUNCT
ijtc-443	63	28	sugandi	sugandi	NOUN
ijtc-443	63	29	,	,	PUNCT
ijtc-443	63	30	2021	2021	NUM
ijtc-443	63	31	)	)	PUNCT
ijtc-443	63	32	.	.	PUNCT
ijtc-443	64	1	furthermore	furthermore	ADV
ijtc-443	64	2	,	,	PUNCT
ijtc-443	64	3	the	the	DET
ijtc-443	64	4	government	government	NOUN
ijtc-443	64	5	additionally	additionally	ADV
ijtc-443	64	6	utilizes	utilize	VERB
ijtc-443	64	7	e	e	NOUN
ijtc-443	64	8	-	-	NOUN
ijtc-443	64	9	money	money	NOUN
ijtc-443	64	10	in	in	ADP
ijtc-443	64	11	installment	installment	NOUN
ijtc-443	64	12	exchanges	exchange	NOUN
ijtc-443	64	13	,	,	PUNCT
ijtc-443	64	14	like	like	ADP
ijtc-443	64	15	the	the	DET
ijtc-443	64	16	utilization	utilization	NOUN
ijtc-443	64	17	of	of	ADP
ijtc-443	64	18	transportation	transportation	NOUN
ijtc-443	64	19	and	and	CCONJ
ijtc-443	64	20	different	different	ADJ
ijtc-443	64	21	exchanges	exchange	NOUN
ijtc-443	64	22	.	.	PUNCT
ijtc-443	65	1	in	in	ADP
ijtc-443	65	2	the	the	DET
ijtc-443	65	3	monetary	monetary	ADJ
ijtc-443	65	4	area	area	NOUN
ijtc-443	65	5	,	,	PUNCT
ijtc-443	65	6	for	for	ADP
ijtc-443	65	7	this	this	DET
ijtc-443	65	8	situation	situation	NOUN
ijtc-443	65	9	,	,	PUNCT
ijtc-443	65	10	the	the	DET
ijtc-443	65	11	directorate	directorate	ADJ
ijtc-443	65	12	general	general	NOUN
ijtc-443	65	13	of	of	ADP
ijtc-443	65	14	taxes	taxis	NOUN
ijtc-443	65	15	(	(	PUNCT
ijtc-443	65	16	dgt	dgt	NOUN
ijtc-443	65	17	)	)	PUNCT
ijtc-443	65	18	additionally	additionally	ADV
ijtc-443	65	19	does	do	AUX
ijtc-443	65	20	burden	burden	NOUN
ijtc-443	65	21	organization	organization	NOUN
ijtc-443	65	22	changes	change	NOUN
ijtc-443	65	23	so	so	SCONJ
ijtc-443	65	24	that	that	SCONJ
ijtc-443	65	25	charge	charge	NOUN
ijtc-443	65	26	incomes	income	NOUN
ijtc-443	65	27	will	will	AUX
ijtc-443	65	28	get	get	VERB
ijtc-443	65	29	to	to	ADP
ijtc-443	65	30	the	the	DET
ijtc-443	65	31	next	next	ADJ
ijtc-443	65	32	level	level	NOUN
ijtc-443	65	33	.	.	PUNCT
ijtc-443	66	1	one	one	NUM
ijtc-443	66	2	type	type	NOUN
ijtc-443	66	3	of	of	ADP
ijtc-443	66	4	assessment	assessment	NOUN
ijtc-443	66	5	change	change	NOUN
ijtc-443	66	6	is	be	AUX
ijtc-443	66	7	the	the	DET
ijtc-443	66	8	modernization	modernization	NOUN
ijtc-443	66	9	of	of	ADP
ijtc-443	66	10	expense	expense	PROPN
ijtc-443	66	11	administration	administration	NOUN
ijtc-443	66	12	organization	organization	NOUN
ijtc-443	66	13	using	use	VERB
ijtc-443	66	14	data	datum	NOUN
ijtc-443	66	15	and	and	CCONJ
ijtc-443	66	16	correspondence	correspondence	NOUN
ijtc-443	66	17	innovation	innovation	NOUN
ijtc-443	66	18	through	through	ADP
ijtc-443	66	19	the	the	DET
ijtc-443	66	20	djponline	djponline	NOUN
ijtc-443	66	21	page	page	NOUN
ijtc-443	66	22	.	.	PUNCT
ijtc-443	67	1	this	this	PRON
ijtc-443	67	2	should	should	AUX
ijtc-443	67	3	be	be	AUX
ijtc-443	67	4	done	do	VERB
ijtc-443	67	5	as	as	ADP
ijtc-443	67	6	such	such	ADJ
ijtc-443	67	7	that	that	SCONJ
ijtc-443	67	8	citizens	citizen	NOUN
ijtc-443	67	9	feel	feel	VERB
ijtc-443	67	10	simple	simple	ADJ
ijtc-443	67	11	in	in	ADP
ijtc-443	67	12	following	follow	VERB
ijtc-443	67	13	their	their	PRON
ijtc-443	67	14	expense	expense	NOUN
ijtc-443	67	15	commitments	commitment	NOUN
ijtc-443	67	16	.	.	PUNCT
ijtc-443	68	1	one	one	NUM
ijtc-443	68	2	of	of	ADP
ijtc-443	68	3	the	the	DET
ijtc-443	68	4	reasons	reason	NOUN
ijtc-443	68	5	for	for	ADP
ijtc-443	68	6	the	the	DET
ijtc-443	68	7	absence	absence	NOUN
ijtc-443	68	8	of	of	ADP
ijtc-443	68	9	citizen	citizen	NOUN
ijtc-443	68	10	consistence	consistence	NOUN
ijtc-443	68	11	is	be	AUX
ijtc-443	68	12	the	the	DET
ijtc-443	68	13	managerial	managerial	ADJ
ijtc-443	68	14	interaction	interaction	NOUN
ijtc-443	68	15	that	that	PRON
ijtc-443	68	16	is	be	AUX
ijtc-443	68	17	troublesome	troublesome	ADJ
ijtc-443	68	18	,	,	PUNCT
ijtc-443	68	19	insufficient	insufficient	ADJ
ijtc-443	68	20	,	,	PUNCT
ijtc-443	68	21	and	and	CCONJ
ijtc-443	68	22	wasteful	wasteful	ADJ
ijtc-443	68	23	,	,	PUNCT
ijtc-443	68	24	bringing	bring	VERB
ijtc-443	68	25	about	about	ADP
ijtc-443	68	26	enormous	enormous	ADJ
ijtc-443	68	27	consistence	consistence	NOUN
ijtc-443	68	28	costs	cost	NOUN
ijtc-443	68	29	(	(	PUNCT
ijtc-443	68	30	toon	toon	PROPN
ijtc-443	68	31	et	et	PROPN
ijtc-443	68	32	al	al	PROPN
ijtc-443	68	33	.	.	PROPN
ijtc-443	68	34	,	,	PUNCT
ijtc-443	68	35	2018	2018	NUM
ijtc-443	68	36	)	)	PUNCT
ijtc-443	68	37	.	.	PUNCT
ijtc-443	69	1	charge	charge	NOUN
ijtc-443	69	2	income	income	NOUN
ijtc-443	69	3	is	be	AUX
ijtc-443	69	4	a	a	DET
ijtc-443	69	5	wellspring	wellspring	NOUN
ijtc-443	69	6	of	of	ADP
ijtc-443	69	7	income	income	NOUN
ijtc-443	69	8	that	that	PRON
ijtc-443	69	9	can	can	AUX
ijtc-443	69	10	be	be	AUX
ijtc-443	69	11	acquired	acquire	VERB
ijtc-443	69	12	consistently	consistently	ADV
ijtc-443	69	13	and	and	CCONJ
ijtc-443	69	14	can	can	AUX
ijtc-443	69	15	be	be	AUX
ijtc-443	69	16	grown	grow	VERB
ijtc-443	69	17	ideally	ideally	ADV
ijtc-443	69	18	as	as	SCONJ
ijtc-443	69	19	indicated	indicate	VERB
ijtc-443	69	20	by	by	ADP
ijtc-443	69	21	the	the	DET
ijtc-443	69	22	requirements	requirement	NOUN
ijtc-443	69	23	of	of	ADP
ijtc-443	69	24	the	the	DET
ijtc-443	69	25	public	public	ADJ
ijtc-443	69	26	authority	authority	NOUN
ijtc-443	69	27	and	and	CCONJ
ijtc-443	69	28	the	the	DET
ijtc-443	69	29	states	state	NOUN
ijtc-443	69	30	of	of	ADP
ijtc-443	69	31	the	the	DET
ijtc-443	69	32	local	local	ADJ
ijtc-443	69	33	area	area	NOUN
ijtc-443	69	34	.	.	PUNCT
ijtc-443	70	1	the	the	DET
ijtc-443	70	2	assets	asset	NOUN
ijtc-443	70	3	got	get	VERB
ijtc-443	70	4	by	by	ADP
ijtc-443	70	5	the	the	DET
ijtc-443	70	6	state	state	NOUN
ijtc-443	70	7	depository	depository	NOUN
ijtc-443	70	8	will	will	AUX
ijtc-443	70	9	be	be	AUX
ijtc-443	70	10	utilized	utilize	VERB
ijtc-443	70	11	for	for	ADP
ijtc-443	70	12	government	government	NOUN
ijtc-443	70	13	consumptions	consumption	NOUN
ijtc-443	70	14	for	for	ADP
ijtc-443	70	15	the	the	DET
ijtc-443	70	16	government	government	NOUN
ijtc-443	70	17	assistance	assistance	NOUN
ijtc-443	70	18	of	of	ADP
ijtc-443	70	19	the	the	DET
ijtc-443	70	20	local	local	ADJ
ijtc-443	70	21	area	area	NOUN
ijtc-443	70	22	.	.	PUNCT
ijtc-443	71	1	as	as	SCONJ
ijtc-443	71	2	indicated	indicate	VERB
ijtc-443	71	3	by	by	ADP
ijtc-443	71	4	the	the	DET
ijtc-443	71	5	minister	minister	PROPN
ijtc-443	71	6	of	of	ADP
ijtc-443	71	7	finance	finance	PROPN
ijtc-443	71	8	sri	sri	PROPN
ijtc-443	71	9	mulyani	mulyani	PROPN
ijtc-443	71	10	,	,	PUNCT
ijtc-443	71	11	one	one	NUM
ijtc-443	71	12	of	of	ADP
ijtc-443	71	13	the	the	DET
ijtc-443	71	14	frameworks	framework	NOUN
ijtc-443	71	15	worked	work	VERB
ijtc-443	71	16	by	by	ADP
ijtc-443	71	17	the	the	DET
ijtc-443	71	18	ministry	ministry	PROPN
ijtc-443	71	19	of	of	ADP
ijtc-443	71	20	finance	finance	PROPN
ijtc-443	71	21	to	to	PART
ijtc-443	71	22	oversee	oversee	VERB
ijtc-443	71	23	state	state	NOUN
ijtc-443	71	24	incomes	income	NOUN
ijtc-443	71	25	all	all	DET
ijtc-443	71	26	the	the	PRON
ijtc-443	71	27	more	more	ADV
ijtc-443	71	28	,	,	PUNCT
ijtc-443	71	29	with	with	ADP
ijtc-443	71	30	perfect	perfect	ADJ
ijtc-443	71	31	timing	timing	NOUN
ijtc-443	71	32	,	,	PUNCT
ijtc-443	71	33	and	and	CCONJ
ijtc-443	71	34	to	to	PART
ijtc-443	71	35	offer	offer	VERB
ijtc-443	71	36	better	well	ADJ
ijtc-443	71	37	types	type	NOUN
ijtc-443	71	38	of	of	ADP
ijtc-443	71	39	assistance	assistance	NOUN
ijtc-443	71	40	to	to	ADP
ijtc-443	71	41	the	the	DET
ijtc-443	71	42	whole	whole	ADJ
ijtc-443	71	43	local	local	ADJ
ijtc-443	71	44	area	area	NOUN
ijtc-443	71	45	in	in	ADP
ijtc-443	71	46	completing	complete	VERB
ijtc-443	71	47	their	their	PRON
ijtc-443	71	48	assessment	assessment	NOUN
ijtc-443	71	49	commitments	commitment	NOUN
ijtc-443	71	50	is	be	AUX
ijtc-443	71	51	teaming	team	VERB
ijtc-443	71	52	up	up	ADP
ijtc-443	71	53	with	with	ADP
ijtc-443	71	54	a	a	DET
ijtc-443	71	55	few	few	ADJ
ijtc-443	71	56	beginning	begin	VERB
ijtc-443	71	57	up	up	ADP
ijtc-443	71	58	finance	finance	NOUN
ijtc-443	71	59	organizations	organization	NOUN
ijtc-443	71	60	.	.	PUNCT
ijtc-443	72	1	the	the	DET
ijtc-443	72	2	modernization	modernization	NOUN
ijtc-443	72	3	of	of	ADP
ijtc-443	72	4	the	the	DET
ijtc-443	72	5	state	state	NOUN
ijtc-443	72	6	income	income	NOUN
ijtc-443	72	7	framework	framework	NOUN
ijtc-443	72	8	and	and	CCONJ
ijtc-443	72	9	the	the	DET
ijtc-443	72	10	administration	administration	NOUN
ijtc-443	72	11	of	of	ADP
ijtc-443	72	12	the	the	DET
ijtc-443	72	13	state	state	NOUN
ijtc-443	72	14	financial	financial	ADJ
ijtc-443	72	15	plan	plan	NOUN
ijtc-443	72	16	is	be	AUX
ijtc-443	72	17	completed	complete	VERB
ijtc-443	72	18	to	to	PART
ijtc-443	72	19	build	build	VERB
ijtc-443	72	20	the	the	DET
ijtc-443	72	21	collectibility	collectibility	NOUN
ijtc-443	72	22	of	of	ADP
ijtc-443	72	23	state	state	NOUN
ijtc-443	72	24	incomes	income	NOUN
ijtc-443	72	25	,	,	PUNCT
ijtc-443	72	26	work	work	VERB
ijtc-443	72	27	with	with	ADP
ijtc-443	72	28	stores	store	NOUN
ijtc-443	72	29	to	to	PART
ijtc-443	72	30	meet	meet	VERB
ijtc-443	72	31	expense	expense	NOUN
ijtc-443	72	32	commitments	commitment	NOUN
ijtc-443	72	33	,	,	PUNCT
ijtc-443	72	34	and	and	CCONJ
ijtc-443	72	35	adjust	adjust	VERB
ijtc-443	72	36	to	to	ADP
ijtc-443	72	37	changes	change	NOUN
ijtc-443	72	38	in	in	ADP
ijtc-443	72	39	data	datum	NOUN
ijtc-443	72	40	innovation	innovation	NOUN
ijtc-443	72	41	.	.	PUNCT
ijtc-443	73	1	furthermore	furthermore	ADV
ijtc-443	73	2	,	,	PUNCT
ijtc-443	73	3	it	it	PRON
ijtc-443	73	4	will	will	AUX
ijtc-443	73	5	facilitate	facilitate	VERB
ijtc-443	73	6	with	with	ADP
ijtc-443	73	7	different	different	ADJ
ijtc-443	73	8	foundations	foundation	NOUN
ijtc-443	73	9	so	so	ADV
ijtc-443	73	10	computerized	computerized	ADJ
ijtc-443	73	11	innovation	innovation	NOUN
ijtc-443	73	12	based	base	VERB
ijtc-443	73	13	monetary	monetary	ADJ
ijtc-443	73	14	administrations	administration	NOUN
ijtc-443	73	15	(	(	PUNCT
ijtc-443	73	16	financial	financial	ADJ
ijtc-443	73	17	technology	technology	NOUN
ijtc-443	73	18	)	)	PUNCT
ijtc-443	73	19	can	can	AUX
ijtc-443	73	20	be	be	AUX
ijtc-443	73	21	created	create	VERB
ijtc-443	73	22	to	to	ADP
ijtc-443	73	23	the	the	DET
ijtc-443	73	24	greatest	great	ADJ
ijtc-443	73	25	.	.	PUNCT
ijtc-443	74	1	the	the	DET
ijtc-443	74	2	coordination	coordination	NOUN
ijtc-443	74	3	predominantly	predominantly	ADV
ijtc-443	74	4	concerns	concern	VERB
ijtc-443	74	5	guidelines	guideline	NOUN
ijtc-443	74	6	and	and	CCONJ
ijtc-443	74	7	assessment	assessment	NOUN
ijtc-443	74	8	assortments	assortment	NOUN
ijtc-443	74	9	.	.	PUNCT
ijtc-443	75	1	the	the	DET
ijtc-443	75	2	indonesian	indonesian	PROPN
ijtc-443	75	3	fintech	fintech	PROPN
ijtc-443	75	4	association	association	NOUN
ijtc-443	75	5	(	(	PUNCT
ijtc-443	75	6	aftech	aftech	ADV
ijtc-443	75	7	)	)	PUNCT
ijtc-443	75	8	expressed	express	VERB
ijtc-443	75	9	that	that	SCONJ
ijtc-443	75	10	this	this	DET
ijtc-443	75	11	computerized	computerize	VERB
ijtc-443	75	12	based	base	VERB
ijtc-443	75	13	monetary	monetary	ADJ
ijtc-443	75	14	assistance	assistance	NOUN
ijtc-443	75	15	can	can	AUX
ijtc-443	75	16	possibly	possibly	ADV
ijtc-443	75	17	expand	expand	VERB
ijtc-443	75	18	state	state	NOUN
ijtc-443	75	19	charge	charge	NOUN
ijtc-443	75	20	income	income	NOUN
ijtc-443	75	21	,	,	PUNCT
ijtc-443	75	22	however	however	ADV
ijtc-443	75	23	the	the	DET
ijtc-443	75	24	job	job	NOUN
ijtc-443	75	25	of	of	ADP
ijtc-443	75	26	fintech	fintech	NOUN
ijtc-443	75	27	in	in	ADP
ijtc-443	75	28	aiding	aid	VERB
ijtc-443	75	29	charge	charge	NOUN
ijtc-443	75	30	income	income	NOUN
ijtc-443	75	31	is	be	AUX
ijtc-443	75	32	n't	not	PART
ijtc-443	75	33	joined	join	VERB
ijtc-443	75	34	by	by	ADP
ijtc-443	75	35	charge	charge	NOUN
ijtc-443	75	36	guidelines	guideline	NOUN
ijtc-443	75	37	for	for	ADP
ijtc-443	75	38	the	the	DET
ijtc-443	75	39	fintech	fintech	NOUN
ijtc-443	75	40	new	new	ADJ
ijtc-443	75	41	business	business	NOUN
ijtc-443	75	42	(	(	PUNCT
ijtc-443	75	43	aliyudin	aliyudin	ADV
ijtc-443	75	44	,	,	PUNCT
ijtc-443	75	45	2020	2020	NUM
ijtc-443	75	46	)	)	PUNCT
ijtc-443	75	47	.	.	PUNCT
ijtc-443	76	1	parts	part	NOUN
ijtc-443	76	2	of	of	ADP
ijtc-443	76	3	tax	tax	NOUN
ijtc-443	76	4	collection	collection	NOUN
ijtc-443	76	5	connected	connect	VERB
ijtc-443	76	6	to	to	ADP
ijtc-443	76	7	monetary	monetary	ADJ
ijtc-443	76	8	administrations	administration	NOUN
ijtc-443	76	9	,	,	PUNCT
ijtc-443	76	10	in	in	ADP
ijtc-443	76	11	view	view	NOUN
ijtc-443	76	12	of	of	ADP
ijtc-443	76	13	dgt	dgt	NOUN
ijtc-443	76	14	's	's	PART
ijtc-443	76	15	review	review	NOUN
ijtc-443	76	16	the	the	DET
ijtc-443	76	17	assessment	assessment	NOUN
ijtc-443	76	18	approach	approach	NOUN
ijtc-443	76	19	is	be	AUX
ijtc-443	76	20	changed	change	VERB
ijtc-443	76	21	in	in	ADP
ijtc-443	76	22	accordance	accordance	NOUN
ijtc-443	76	23	with	with	ADP
ijtc-443	76	24	the	the	DET
ijtc-443	76	25	order	order	NOUN
ijtc-443	76	26	of	of	ADP
ijtc-443	76	27	the	the	DET
ijtc-443	76	28	monetary	monetary	ADJ
ijtc-443	76	29	business	business	NOUN
ijtc-443	76	30	.	.	PUNCT
ijtc-443	77	1	there	there	PRON
ijtc-443	77	2	are	be	VERB
ijtc-443	77	3	five	five	NUM
ijtc-443	77	4	sorts	sort	NOUN
ijtc-443	77	5	of	of	ADP
ijtc-443	77	6	fintech	fintech	NOUN
ijtc-443	77	7	enactment	enactment	NOUN
ijtc-443	77	8	:	:	PUNCT
ijtc-443	77	9	first	first	ADJ
ijtc-443	77	10	,	,	PUNCT
ijtc-443	77	11	fintech	fintech	NOUN
ijtc-443	77	12	installment	installment	NOUN
ijtc-443	77	13	administrations	administration	NOUN
ijtc-443	77	14	,	,	PUNCT
ijtc-443	77	15	for	for	ADP
ijtc-443	77	16	example	example	NOUN
ijtc-443	77	17	,	,	PUNCT
ijtc-443	77	18	swarm	swarm	NOUN
ijtc-443	77	19	establishing	establish	VERB
ijtc-443	77	20	,	,	PUNCT
ijtc-443	77	21	in	in	ADP
ijtc-443	77	22	light	light	NOUN
ijtc-443	77	23	of	of	ADP
ijtc-443	77	24	assessment	assessment	NOUN
ijtc-443	77	25	arrangements	arrangement	NOUN
ijtc-443	77	26	,	,	PUNCT
ijtc-443	77	27	the	the	DET
ijtc-443	77	28	benefits	benefit	NOUN
ijtc-443	77	29	got	get	VERB
ijtc-443	77	30	by	by	ADP
ijtc-443	77	31	these	these	DET
ijtc-443	77	32	business	business	NOUN
ijtc-443	77	33	entertainers	entertainer	NOUN
ijtc-443	77	34	are	be	AUX
ijtc-443	77	35	liable	liable	ADJ
ijtc-443	77	36	to	to	PART
ijtc-443	77	37	article	article	VERB
ijtc-443	77	38	23	23	NUM
ijtc-443	77	39	income	income	NOUN
ijtc-443	77	40	tax	tax	NOUN
ijtc-443	77	41	of	of	ADP
ijtc-443	77	42	2	2	NUM
ijtc-443	77	43	%	%	NOUN
ijtc-443	77	44	of	of	ADP
ijtc-443	77	45	complete	complete	ADJ
ijtc-443	77	46	income	income	NOUN
ijtc-443	77	47	and	and	CCONJ
ijtc-443	77	48	10	10	NUM
ijtc-443	77	49	%	%	NOUN
ijtc-443	77	50	vat	vat	NOUN
ijtc-443	77	51	on	on	ADP
ijtc-443	77	52	help	help	NOUN
ijtc-443	77	53	conveyance	conveyance	NOUN
ijtc-443	77	54	.	.	PUNCT
ijtc-443	78	1	second	second	ADJ
ijtc-443	78	2	,	,	PUNCT
ijtc-443	78	3	monetary	monetary	ADJ
ijtc-443	78	4	programming	programming	NOUN
ijtc-443	78	5	exchanging	exchange	VERB
ijtc-443	78	6	fintech	fintech	NOUN
ijtc-443	78	7	,	,	PUNCT
ijtc-443	78	8	the	the	DET
ijtc-443	78	9	expense	expense	NOUN
ijtc-443	78	10	for	for	ADP
ijtc-443	78	11	this	this	DET
ijtc-443	78	12	sort	sort	NOUN
ijtc-443	78	13	of	of	ADP
ijtc-443	78	14	actuation	actuation	NOUN
ijtc-443	78	15	is	be	AUX
ijtc-443	78	16	10	10	NUM
ijtc-443	78	17	%	%	NOUN
ijtc-443	78	18	vat	vat	NOUN
ijtc-443	78	19	on	on	ADP
ijtc-443	78	20	the	the	DET
ijtc-443	78	21	conveyance	conveyance	NOUN
ijtc-443	78	22	of	of	ADP
ijtc-443	78	23	theoretical	theoretical	ADJ
ijtc-443	78	24	products	product	NOUN
ijtc-443	78	25	.	.	PUNCT
ijtc-443	79	1	third	third	ADJ
ijtc-443	79	2	,	,	PUNCT
ijtc-443	79	3	fintech	fintech	NOUN
ijtc-443	79	4	credit	credit	NOUN
ijtc-443	79	5	appraisal	appraisal	NOUN
ijtc-443	79	6	research	research	NOUN
ijtc-443	79	7	benefits	benefit	NOUN
ijtc-443	79	8	,	,	PUNCT
ijtc-443	79	9	this	this	DET
ijtc-443	79	10	fintech	fintech	NOUN
ijtc-443	79	11	is	be	AUX
ijtc-443	79	12	simply	simply	ADV
ijtc-443	79	13	dependent	dependent	ADJ
ijtc-443	79	14	upon	upon	SCONJ
ijtc-443	79	15	10	10	NUM
ijtc-443	79	16	%	%	NOUN
ijtc-443	79	17	vat	vat	NOUN
ijtc-443	79	18	on	on	ADP
ijtc-443	79	19	the	the	DET
ijtc-443	79	20	conveyance	conveyance	NOUN
ijtc-443	79	21	of	of	ADP
ijtc-443	79	22	credit	credit	NOUN
ijtc-443	79	23	esteem	esteem	NOUN
ijtc-443	79	24	administrations	administration	NOUN
ijtc-443	79	25	.	.	PUNCT
ijtc-443	80	1	fourth	fourth	ADJ
ijtc-443	80	2	,	,	PUNCT
ijtc-443	80	3	fintech	fintech	NOUN
ijtc-443	80	4	in	in	ADP
ijtc-443	80	5	the	the	DET
ijtc-443	80	6	venture	venture	NOUN
ijtc-443	80	7	the	the	DET
ijtc-443	80	8	executives	executive	NOUN
ijtc-443	80	9	area	area	NOUN
ijtc-443	80	10	is	be	AUX
ijtc-443	80	11	likely	likely	ADJ
ijtc-443	80	12	to	to	PART
ijtc-443	80	13	article	article	VERB
ijtc-443	80	14	23	23	NUM
ijtc-443	80	15	income	income	NOUN
ijtc-443	80	16	tax	tax	NOUN
ijtc-443	80	17	of	of	ADP
ijtc-443	80	18	2	2	NUM
ijtc-443	80	19	%	%	NOUN
ijtc-443	80	20	of	of	ADP
ijtc-443	80	21	absolute	absolute	ADJ
ijtc-443	80	22	income	income	NOUN
ijtc-443	80	23	and	and	CCONJ
ijtc-443	80	24	10	10	NUM
ijtc-443	80	25	%	%	NOUN
ijtc-443	80	26	vat	vat	NOUN
ijtc-443	80	27	on	on	ADP
ijtc-443	80	28	help	help	NOUN
ijtc-443	80	29	conveyance	conveyance	NOUN
ijtc-443	80	30	.	.	PUNCT
ijtc-443	81	1	fifth	fifth	ADJ
ijtc-443	81	2	,	,	PUNCT
ijtc-443	81	3	fintech	fintech	NOUN
ijtc-443	81	4	is	be	AUX
ijtc-443	81	5	occupied	occupy	VERB
ijtc-443	81	6	with	with	ADP
ijtc-443	81	7	monetary	monetary	ADJ
ijtc-443	81	8	administrations	administration	NOUN
ijtc-443	81	9	,	,	PUNCT
ijtc-443	81	10	protection	protection	NOUN
ijtc-443	81	11	,	,	PUNCT
ijtc-443	81	12	investment	investment	NOUN
ijtc-443	81	13	funds	fund	NOUN
ijtc-443	81	14	,	,	PUNCT
ijtc-443	81	15	credits	credit	NOUN
ijtc-443	81	16	,	,	PUNCT
ijtc-443	81	17	and	and	CCONJ
ijtc-443	81	18	capital	capital	NOUN
ijtc-443	81	19	,	,	PUNCT
ijtc-443	81	20	for	for	SCONJ
ijtc-443	81	21	the	the	DET
ijtc-443	81	22	most	most	ADJ
ijtc-443	81	23	part	part	NOUN
ijtc-443	81	24	likely	likely	ADJ
ijtc-443	81	25	to	to	PART
ijtc-443	81	26	article	article	VERB
ijtc-443	81	27	23	23	NUM
ijtc-443	81	28	income	income	NOUN
ijtc-443	81	29	tax	tax	NOUN
ijtc-443	81	30	of	of	ADP
ijtc-443	81	31	15	15	NUM
ijtc-443	81	32	%	%	NOUN
ijtc-443	81	33	on	on	ADP
ijtc-443	81	34	pay	pay	NOUN
ijtc-443	81	35	got	get	VERB
ijtc-443	81	36	from	from	ADP
ijtc-443	81	37	advance	advance	NOUN
ijtc-443	81	38	revenue	revenue	NOUN
ijtc-443	81	39	,	,	PUNCT
ijtc-443	81	40	profits	profit	NOUN
ijtc-443	81	41	,	,	PUNCT
ijtc-443	81	42	or	or	CCONJ
ijtc-443	81	43	different	different	ADJ
ijtc-443	81	44	benefits	benefit	NOUN
ijtc-443	81	45	(	(	PUNCT
ijtc-443	81	46	putri	putri	NOUN
ijtc-443	81	47	et	et	PROPN
ijtc-443	81	48	al	al	PROPN
ijtc-443	81	49	.	.	PROPN
ijtc-443	81	50	,	,	PUNCT
ijtc-443	81	51	2021	2021	NUM
ijtc-443	81	52	)	)	PUNCT
ijtc-443	81	53	.	.	PUNCT
ijtc-443	82	1	one	one	NUM
ijtc-443	82	2	of	of	ADP
ijtc-443	82	3	the	the	DET
ijtc-443	82	4	public	public	ADJ
ijtc-443	82	5	authority	authority	NOUN
ijtc-443	82	6	's	's	PART
ijtc-443	82	7	centers	center	NOUN
ijtc-443	82	8	is	be	AUX
ijtc-443	82	9	the	the	DET
ijtc-443	82	10	job	job	NOUN
ijtc-443	82	11	of	of	ADP
ijtc-443	82	12	e	e	NOUN
ijtc-443	82	13	-	-	NOUN
ijtc-443	82	14	cash	cash	NOUN
ijtc-443	82	15	in	in	ADP
ijtc-443	82	16	expanding	expand	VERB
ijtc-443	82	17	charge	charge	NOUN
ijtc-443	82	18	income	income	NOUN
ijtc-443	82	19	.	.	PUNCT
ijtc-443	83	1	the	the	DET
ijtc-443	83	2	job	job	NOUN
ijtc-443	83	3	of	of	ADP
ijtc-443	83	4	e	e	NOUN
ijtc-443	83	5	-	-	NOUN
ijtc-443	83	6	cash	cash	NOUN
ijtc-443	83	7	is	be	AUX
ijtc-443	83	8	relied	rely	VERB
ijtc-443	83	9	upon	upon	SCONJ
ijtc-443	83	10	to	to	PART
ijtc-443	83	11	further	far	ADV
ijtc-443	83	12	develop	develop	VERB
ijtc-443	83	13	monetary	monetary	ADJ
ijtc-443	83	14	organization	organization	NOUN
ijtc-443	83	15	consistence	consistence	NOUN
ijtc-443	83	16	and	and	CCONJ
ijtc-443	83	17	increment	increment	NOUN
ijtc-443	83	18	charge	charge	NOUN
ijtc-443	83	19	income	income	NOUN
ijtc-443	83	20	in	in	ADP
ijtc-443	83	21	indonesia	indonesia	PROPN
ijtc-443	83	22	with	with	ADP
ijtc-443	83	23	the	the	DET
ijtc-443	83	24	goal	goal	NOUN
ijtc-443	83	25	that	that	PRON
ijtc-443	83	26	advancement	advancement	NOUN
ijtc-443	83	27	in	in	ADP
ijtc-443	83	28	indonesia	indonesia	PROPN
ijtc-443	83	29	can	can	AUX
ijtc-443	83	30	be	be	AUX
ijtc-443	83	31	acknowledged	acknowledge	VERB
ijtc-443	83	32	appropriately	appropriately	ADV
ijtc-443	83	33	.	.	PUNCT
ijtc-443	84	1	subsequently	subsequently	ADV
ijtc-443	84	2	,	,	PUNCT
ijtc-443	84	3	scientists	scientist	NOUN
ijtc-443	84	4	are	be	AUX
ijtc-443	84	5	keen	keen	ADJ
ijtc-443	84	6	on	on	ADP
ijtc-443	84	7	investigating	investigate	VERB
ijtc-443	84	8	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-443	84	9	finance	finance	NOUN
ijtc-443	84	10	technology	technology	NOUN
ijtc-443	84	11	innovation	innovation	NOUN
ijtc-443	84	12	in	in	ADP
ijtc-443	84	13	the	the	DET
ijtc-443	84	14	finance	finance	NOUN
ijtc-443	84	15	sector	sector	NOUN
ijtc-443	84	16	:	:	PUNCT
ijtc-443	84	17	the	the	DET
ijtc-443	84	18	role	role	NOUN
ijtc-443	84	19	of	of	ADP
ijtc-443	84	20	e	e	NOUN
ijtc-443	84	21	-	-	NOUN
ijtc-443	84	22	money	money	NOUN
ijtc-443	84	23	on	on	ADP
ijtc-443	84	24	increasing	increase	VERB
ijtc-443	84	25	tax	tax	NOUN
ijtc-443	84	26	revenue	revenue	NOUN
ijtc-443	84	27	kusyeni	kusyeni	NOUN
ijtc-443	84	28	,	,	PUNCT
ijtc-443	84	29	pandoyo	pandoyo	NOUN
ijtc-443	84	30	,	,	PUNCT
ijtc-443	84	31	kumala	kumala	NOUN
ijtc-443	84	32	,	,	PUNCT
ijtc-443	84	33	and	and	CCONJ
ijtc-443	84	34	sofyan	sofyan	PROPN
ijtc-443	84	35	.	.	PUNCT
ijtc-443	85	1	143	143	NUM
ijtc-443	85	2	|	|	ADV
ijtc-443	85	3	ilomata	ilomata	PROPN
ijtc-443	85	4	international	international	ADJ
ijtc-443	85	5	journal	journal	NOUN
ijtc-443	85	6	of	of	ADP
ijtc-443	85	7	tax	tax	PROPN
ijtc-443	85	8	&	&	CCONJ
ijtc-443	85	9	accounting	accounting	PROPN
ijtc-443	85	10	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-443	85	11	“	"	PUNCT
ijtc-443	85	12	finance	finance	NOUN
ijtc-443	85	13	technology	technology	NOUN
ijtc-443	85	14	innovation	innovation	NOUN
ijtc-443	85	15	in	in	ADP
ijtc-443	85	16	the	the	DET
ijtc-443	85	17	finance	finance	NOUN
ijtc-443	85	18	sector	sector	NOUN
ijtc-443	85	19	:	:	PUNCT
ijtc-443	85	20	the	the	DET
ijtc-443	85	21	role	role	NOUN
ijtc-443	85	22	of	of	ADP
ijtc-443	85	23	e	e	NOUN
ijtc-443	85	24	-	-	NOUN
ijtc-443	85	25	money	money	NOUN
ijtc-443	85	26	on	on	ADP
ijtc-443	85	27	increasing	increase	VERB
ijtc-443	85	28	tax	tax	NOUN
ijtc-443	85	29	revenue	revenue	NOUN
ijtc-443	85	30	”	"	PUNCT
ijtc-443	85	31	.	.	PUNCT
ijtc-443	86	1	furthermore	furthermore	ADV
ijtc-443	86	2	it	it	PRON
ijtc-443	86	3	is	be	AUX
ijtc-443	86	4	trusted	trust	VERB
ijtc-443	86	5	that	that	SCONJ
ijtc-443	86	6	this	this	DET
ijtc-443	86	7	exploration	exploration	NOUN
ijtc-443	86	8	can	can	AUX
ijtc-443	86	9	be	be	AUX
ijtc-443	86	10	a	a	DET
ijtc-443	86	11	wellspring	wellspring	NOUN
ijtc-443	86	12	of	of	ADP
ijtc-443	86	13	reference	reference	NOUN
ijtc-443	86	14	and	and	CCONJ
ijtc-443	86	15	data	datum	NOUN
ijtc-443	86	16	for	for	ADP
ijtc-443	86	17	controllers	controller	NOUN
ijtc-443	86	18	and	and	CCONJ
ijtc-443	86	19	further	further	ADJ
ijtc-443	86	20	specialists	specialist	NOUN
ijtc-443	86	21	.	.	PUNCT
ijtc-443	87	1	method	method	VERB
ijtc-443	87	2	the	the	DET
ijtc-443	87	3	exploration	exploration	NOUN
ijtc-443	87	4	is	be	AUX
ijtc-443	87	5	a	a	DET
ijtc-443	87	6	writing	writing	NOUN
ijtc-443	87	7	audit	audit	NOUN
ijtc-443	87	8	.	.	PUNCT
ijtc-443	88	1	the	the	DET
ijtc-443	88	2	strategy	strategy	NOUN
ijtc-443	88	3	utilized	utilize	VERB
ijtc-443	88	4	in	in	ADP
ijtc-443	88	5	this	this	DET
ijtc-443	88	6	examination	examination	NOUN
ijtc-443	88	7	is	be	AUX
ijtc-443	88	8	graphic	graphic	ADJ
ijtc-443	88	9	subjective	subjective	ADJ
ijtc-443	88	10	,	,	PUNCT
ijtc-443	88	11	in	in	ADP
ijtc-443	88	12	which	which	PRON
ijtc-443	88	13	the	the	DET
ijtc-443	88	14	exploration	exploration	NOUN
ijtc-443	88	15	methods	method	NOUN
ijtc-443	88	16	delivered	deliver	VERB
ijtc-443	88	17	are	be	AUX
ijtc-443	88	18	as	as	ADP
ijtc-443	88	19	composed	compose	VERB
ijtc-443	88	20	words	word	NOUN
ijtc-443	88	21	and	and	CCONJ
ijtc-443	88	22	from	from	ADP
ijtc-443	88	23	a	a	DET
ijtc-443	88	24	few	few	ADJ
ijtc-443	88	25	references	reference	NOUN
ijtc-443	88	26	to	to	ADP
ijtc-443	88	27	logical	logical	ADJ
ijtc-443	88	28	works	work	NOUN
ijtc-443	88	29	,	,	PUNCT
ijtc-443	88	30	diaries	diary	NOUN
ijtc-443	88	31	,	,	PUNCT
ijtc-443	88	32	articles	article	NOUN
ijtc-443	88	33	,	,	PUNCT
ijtc-443	88	34	web	web	NOUN
ijtc-443	88	35	and	and	CCONJ
ijtc-443	88	36	books	book	NOUN
ijtc-443	88	37	,	,	PUNCT
ijtc-443	88	38	so	so	SCONJ
ijtc-443	88	39	they	they	PRON
ijtc-443	88	40	can	can	AUX
ijtc-443	88	41	be	be	AUX
ijtc-443	88	42	a	a	DET
ijtc-443	88	43	depiction	depiction	NOUN
ijtc-443	88	44	of	of	ADP
ijtc-443	88	45	the	the	DET
ijtc-443	88	46	exploration	exploration	NOUN
ijtc-443	88	47	results	result	NOUN
ijtc-443	88	48	.	.	PUNCT
ijtc-443	89	1	the	the	DET
ijtc-443	89	2	information	information	NOUN
ijtc-443	89	3	assortment	assortment	NOUN
ijtc-443	89	4	procedure	procedure	NOUN
ijtc-443	89	5	utilized	utilize	VERB
ijtc-443	89	6	a	a	DET
ijtc-443	89	7	writing	writing	NOUN
ijtc-443	89	8	concentrate	concentrate	NOUN
ijtc-443	89	9	on	on	ADP
ijtc-443	89	10	approach	approach	NOUN
ijtc-443	89	11	,	,	PUNCT
ijtc-443	89	12	which	which	PRON
ijtc-443	89	13	was	be	AUX
ijtc-443	89	14	gotten	get	VERB
ijtc-443	89	15	from	from	ADP
ijtc-443	89	16	books	book	NOUN
ijtc-443	89	17	,	,	PUNCT
ijtc-443	89	18	broad	broad	ADJ
ijtc-443	89	19	communications	communication	NOUN
ijtc-443	89	20	articles	article	NOUN
ijtc-443	89	21	,	,	PUNCT
ijtc-443	89	22	web	web	NOUN
ijtc-443	89	23	locales	locale	NOUN
ijtc-443	89	24	,	,	PUNCT
ijtc-443	89	25	public	public	ADJ
ijtc-443	89	26	diaries	diary	NOUN
ijtc-443	89	27	and	and	CCONJ
ijtc-443	89	28	worldwide	worldwide	ADJ
ijtc-443	89	29	diaries	diary	NOUN
ijtc-443	89	30	connected	connect	VERB
ijtc-443	89	31	with	with	ADP
ijtc-443	89	32	this	this	DET
ijtc-443	89	33	examination	examination	NOUN
ijtc-443	89	34	(	(	PUNCT
ijtc-443	89	35	creswell	creswell	PROPN
ijtc-443	89	36	,	,	PUNCT
ijtc-443	89	37	2017	2017	NUM
ijtc-443	89	38	)	)	PUNCT
ijtc-443	89	39	.	.	PUNCT
ijtc-443	90	1	result	result	NOUN
ijtc-443	90	2	and	and	CCONJ
ijtc-443	90	3	discussion	discussion	NOUN
ijtc-443	90	4	•	•	ADP
ijtc-443	90	5	financial	financial	ADJ
ijtc-443	90	6	technology	technology	NOUN
ijtc-443	90	7	financial	financial	ADJ
ijtc-443	90	8	technology	technology	NOUN
ijtc-443	90	9	is	be	AUX
ijtc-443	90	10	the	the	DET
ijtc-443	90	11	aftereffect	aftereffect	NOUN
ijtc-443	90	12	of	of	ADP
ijtc-443	90	13	a	a	DET
ijtc-443	90	14	blend	blend	NOUN
ijtc-443	90	15	of	of	ADP
ijtc-443	90	16	monetary	monetary	ADJ
ijtc-443	90	17	administrations	administration	NOUN
ijtc-443	90	18	with	with	ADP
ijtc-443	90	19	innovation	innovation	NOUN
ijtc-443	90	20	that	that	SCONJ
ijtc-443	90	21	at	at	ADP
ijtc-443	90	22	last	last	ADJ
ijtc-443	90	23	changes	change	NOUN
ijtc-443	90	24	the	the	DET
ijtc-443	90	25	plan	plan	NOUN
ijtc-443	90	26	of	of	ADP
ijtc-443	90	27	action	action	NOUN
ijtc-443	90	28	from	from	ADP
ijtc-443	90	29	traditional	traditional	ADJ
ijtc-443	90	30	to	to	PART
ijtc-443	90	31	direct	direct	VERB
ijtc-443	90	32	,	,	PUNCT
ijtc-443	90	33	which	which	PRON
ijtc-443	90	34	at	at	ADP
ijtc-443	90	35	first	first	ADV
ijtc-443	90	36	pays	pay	VERB
ijtc-443	90	37	up	up	ADP
ijtc-443	90	38	close	close	ADV
ijtc-443	90	39	and	and	CCONJ
ijtc-443	90	40	personal	personal	ADJ
ijtc-443	90	41	and	and	CCONJ
ijtc-443	90	42	brings	bring	VERB
ijtc-443	90	43	cash	cash	NOUN
ijtc-443	90	44	,	,	PUNCT
ijtc-443	90	45	presently	presently	ADV
ijtc-443	90	46	distant	distant	ADJ
ijtc-443	90	47	installment	installment	NOUN
ijtc-443	90	48	exchanges	exchange	NOUN
ijtc-443	90	49	should	should	AUX
ijtc-443	90	50	be	be	AUX
ijtc-443	90	51	possible	possible	ADJ
ijtc-443	90	52	rapidly	rapidly	ADV
ijtc-443	90	53	and	and	CCONJ
ijtc-443	90	54	effectively	effectively	ADV
ijtc-443	90	55	(	(	PUNCT
ijtc-443	90	56	haptari	haptari	PROPN
ijtc-443	90	57	&	&	CCONJ
ijtc-443	90	58	aribowo	aribowo	PROPN
ijtc-443	90	59	,	,	PUNCT
ijtc-443	90	60	2019	2019	NUM
ijtc-443	90	61	)	)	PUNCT
ijtc-443	90	62	.	.	PUNCT
ijtc-443	91	1	alongside	alongside	ADP
ijtc-443	91	2	changes	change	NOUN
ijtc-443	91	3	in	in	ADP
ijtc-443	91	4	individuals	individual	NOUN
ijtc-443	91	5	'	'	PART
ijtc-443	91	6	ways	way	NOUN
ijtc-443	91	7	of	of	ADP
ijtc-443	91	8	life	life	NOUN
ijtc-443	91	9	which	which	PRON
ijtc-443	91	10	are	be	AUX
ijtc-443	91	11	presently	presently	ADV
ijtc-443	91	12	overwhelmed	overwhelmed	ADJ
ijtc-443	91	13	by	by	ADP
ijtc-443	91	14	quick	quick	ADJ
ijtc-443	91	15	moving	move	VERB
ijtc-443	91	16	clients	client	NOUN
ijtc-443	91	17	of	of	ADP
ijtc-443	91	18	data	datum	NOUN
ijtc-443	91	19	innovation	innovation	NOUN
ijtc-443	91	20	.	.	PUNCT
ijtc-443	92	1	with	with	ADP
ijtc-443	92	2	the	the	DET
ijtc-443	92	3	presence	presence	NOUN
ijtc-443	92	4	of	of	ADP
ijtc-443	92	5	monetary	monetary	ADJ
ijtc-443	92	6	innovation	innovation	NOUN
ijtc-443	92	7	,	,	PUNCT
ijtc-443	92	8	it	it	PRON
ijtc-443	92	9	can	can	AUX
ijtc-443	92	10	answer	answer	VERB
ijtc-443	92	11	trading	trading	NOUN
ijtc-443	92	12	issues	issue	NOUN
ijtc-443	92	13	and	and	CCONJ
ijtc-443	92	14	installments	installment	NOUN
ijtc-443	92	15	,	,	PUNCT
ijtc-443	92	16	for	for	ADP
ijtc-443	92	17	example	example	NOUN
ijtc-443	92	18	,	,	PUNCT
ijtc-443	92	19	having	have	VERB
ijtc-443	92	20	opportunity	opportunity	NOUN
ijtc-443	92	21	and	and	CCONJ
ijtc-443	92	22	energy	energy	NOUN
ijtc-443	92	23	to	to	PART
ijtc-443	92	24	search	search	VERB
ijtc-443	92	25	for	for	ADP
ijtc-443	92	26	products	product	NOUN
ijtc-443	92	27	to	to	ADP
ijtc-443	92	28	a	a	DET
ijtc-443	92	29	retail	retail	ADJ
ijtc-443	92	30	outlet	outlet	NOUN
ijtc-443	92	31	to	to	ADP
ijtc-443	92	32	a	a	DET
ijtc-443	92	33	bank	bank	NOUN
ijtc-443	92	34	or	or	CCONJ
ijtc-443	92	35	atm	atm	VERB
ijtc-443	92	36	to	to	PART
ijtc-443	92	37	move	move	VERB
ijtc-443	92	38	cash	cash	NOUN
ijtc-443	92	39	(	(	PUNCT
ijtc-443	92	40	pathak	pathak	PROPN
ijtc-443	92	41	,	,	PUNCT
ijtc-443	92	42	2017	2017	NUM
ijtc-443	92	43	)	)	PUNCT
ijtc-443	92	44	.	.	PUNCT
ijtc-443	93	1	fintech	fintech	NOUN
ijtc-443	93	2	helps	help	VERB
ijtc-443	93	3	make	make	VERB
ijtc-443	93	4	trading	trading	NOUN
ijtc-443	93	5	exchanges	exchange	NOUN
ijtc-443	93	6	and	and	CCONJ
ijtc-443	93	7	installment	installment	NOUN
ijtc-443	93	8	framework	framework	NOUN
ijtc-443	93	9	exchanges	exchange	NOUN
ijtc-443	93	10	more	more	ADV
ijtc-443	93	11	straightforward	straightforward	ADJ
ijtc-443	93	12	,	,	PUNCT
ijtc-443	93	13	more	more	ADV
ijtc-443	93	14	compelling	compelling	ADJ
ijtc-443	93	15	and	and	CCONJ
ijtc-443	93	16	proficient	proficient	ADJ
ijtc-443	93	17	.	.	PUNCT
ijtc-443	94	1	fintech	fintech	NOUN
ijtc-443	94	2	is	be	AUX
ijtc-443	94	3	an	an	DET
ijtc-443	94	4	update	update	NOUN
ijtc-443	94	5	of	of	ADP
ijtc-443	94	6	business	business	NOUN
ijtc-443	94	7	processes	process	NOUN
ijtc-443	94	8	,	,	PUNCT
ijtc-443	94	9	plans	plan	NOUN
ijtc-443	94	10	of	of	ADP
ijtc-443	94	11	action	action	NOUN
ijtc-443	94	12	,	,	PUNCT
ijtc-443	94	13	and	and	CCONJ
ijtc-443	94	14	monetary	monetary	ADJ
ijtc-443	94	15	instruments	instrument	NOUN
ijtc-443	94	16	that	that	PRON
ijtc-443	94	17	offer	offer	VERB
ijtc-443	94	18	new	new	ADJ
ijtc-443	94	19	added	add	VERB
ijtc-443	94	20	benefit	benefit	NOUN
ijtc-443	94	21	in	in	ADP
ijtc-443	94	22	the	the	DET
ijtc-443	94	23	monetary	monetary	ADJ
ijtc-443	94	24	administrations	administration	NOUN
ijtc-443	94	25	area	area	NOUN
ijtc-443	94	26	by	by	ADP
ijtc-443	94	27	including	include	VERB
ijtc-443	94	28	the	the	DET
ijtc-443	94	29	computerized	computerized	ADJ
ijtc-443	94	30	environment	environment	NOUN
ijtc-443	94	31	.	.	PUNCT
ijtc-443	95	1	there	there	PRON
ijtc-443	95	2	are	be	VERB
ijtc-443	95	3	4	4	NUM
ijtc-443	95	4	classifications	classification	NOUN
ijtc-443	95	5	of	of	ADP
ijtc-443	95	6	online	online	ADV
ijtc-443	95	7	-	-	PUNCT
ijtc-443	95	8	based	base	VERB
ijtc-443	95	9	monetary	monetary	ADJ
ijtc-443	95	10	administrations	administration	NOUN
ijtc-443	95	11	,	,	PUNCT
ijtc-443	95	12	as	as	ADP
ijtc-443	95	13	per	per	ADP
ijtc-443	95	14	the	the	DET
ijtc-443	95	15	financial	financial	ADJ
ijtc-443	95	16	services	service	NOUN
ijtc-443	95	17	authorization	authorization	NOUN
ijtc-443	95	18	:	:	PUNCT
ijtc-443	95	19	1	1	X
ijtc-443	95	20	.	.	X
ijtc-443	95	21	fintech	fintech	NOUN
ijtc-443	95	22	as	as	ADP
ijtc-443	95	23	installment	installment	NOUN
ijtc-443	95	24	administrations	administration	NOUN
ijtc-443	95	25	(	(	PUNCT
ijtc-443	95	26	installment	installment	NOUN
ijtc-443	95	27	)	)	PUNCT
ijtc-443	95	28	,	,	PUNCT
ijtc-443	95	29	(	(	PUNCT
ijtc-443	95	30	clearing	clearing	NOUN
ijtc-443	95	31	)	)	PUNCT
ijtc-443	95	32	,	,	PUNCT
ijtc-443	95	33	(	(	PUNCT
ijtc-443	95	34	settlement	settlement	NOUN
ijtc-443	95	35	)	)	PUNCT
ijtc-443	95	36	.	.	PUNCT
ijtc-443	96	1	2	2	X
ijtc-443	96	2	.	.	X
ijtc-443	96	3	fintech	fintech	NOUN
ijtc-443	96	4	which	which	PRON
ijtc-443	96	5	gathers	gather	VERB
ijtc-443	96	6	some	some	DET
ijtc-443	96	7	data	datum	NOUN
ijtc-443	96	8	on	on	ADP
ijtc-443	96	9	monetary	monetary	ADJ
ijtc-443	96	10	assistance	assistance	NOUN
ijtc-443	96	11	choices	choice	NOUN
ijtc-443	96	12	as	as	ADP
ijtc-443	96	13	examinations	examination	NOUN
ijtc-443	96	14	from	from	ADP
ijtc-443	96	15	highlight	highlight	NOUN
ijtc-443	96	16	costs	cost	NOUN
ijtc-443	96	17	to	to	ADP
ijtc-443	96	18	the	the	DET
ijtc-443	96	19	advantages	advantage	NOUN
ijtc-443	96	20	of	of	ADP
ijtc-443	96	21	monetary	monetary	ADJ
ijtc-443	96	22	items	item	NOUN
ijtc-443	96	23	and	and	CCONJ
ijtc-443	96	24	afterward	afterward	ADV
ijtc-443	96	25	offers	offer	VERB
ijtc-443	96	26	them	they	PRON
ijtc-443	96	27	to	to	ADP
ijtc-443	96	28	possible	possible	ADJ
ijtc-443	96	29	purchasers	purchaser	NOUN
ijtc-443	96	30	.	.	PUNCT
ijtc-443	97	1	3	3	X
ijtc-443	97	2	.	.	X
ijtc-443	97	3	fintech	fintech	NOUN
ijtc-443	97	4	which	which	PRON
ijtc-443	97	5	centers	center	VERB
ijtc-443	97	6	around	around	ADP
ijtc-443	97	7	hazard	hazard	NOUN
ijtc-443	97	8	the	the	DET
ijtc-443	97	9	board	board	NOUN
ijtc-443	97	10	and	and	CCONJ
ijtc-443	97	11	speculation	speculation	NOUN
ijtc-443	97	12	by	by	ADP
ijtc-443	97	13	creating	create	VERB
ijtc-443	97	14	monetary	monetary	ADJ
ijtc-443	97	15	arranging	arrange	VERB
ijtc-443	97	16	framework	framework	NOUN
ijtc-443	97	17	programming	program	VERB
ijtc-443	97	18	through	through	ADP
ijtc-443	97	19	planning	planning	NOUN
ijtc-443	97	20	of	of	ADP
ijtc-443	97	21	monetary	monetary	ADJ
ijtc-443	97	22	circumstances	circumstance	NOUN
ijtc-443	97	23	and	and	CCONJ
ijtc-443	97	24	conditions	condition	NOUN
ijtc-443	97	25	in	in	ADP
ijtc-443	97	26	light	light	NOUN
ijtc-443	97	27	of	of	ADP
ijtc-443	97	28	essential	essential	ADJ
ijtc-443	97	29	data	datum	NOUN
ijtc-443	97	30	from	from	ADP
ijtc-443	97	31	clients	client	NOUN
ijtc-443	97	32	.	.	PUNCT
ijtc-443	98	1	4	4	X
ijtc-443	98	2	.	.	X
ijtc-443	98	3	fintech	fintech	NOUN
ijtc-443	98	4	is	be	AUX
ijtc-443	98	5	an	an	DET
ijtc-443	98	6	assortment	assortment	NOUN
ijtc-443	98	7	of	of	ADP
ijtc-443	98	8	assets	asset	NOUN
ijtc-443	98	9	or	or	CCONJ
ijtc-443	98	10	financing	finance	VERB
ijtc-443	98	11	through	through	ADP
ijtc-443	98	12	applications	application	NOUN
ijtc-443	98	13	that	that	PRON
ijtc-443	98	14	work	work	VERB
ijtc-443	98	15	with	with	ADP
ijtc-443	98	16	communication	communication	NOUN
ijtc-443	98	17	between	between	ADP
ijtc-443	98	18	people	people	NOUN
ijtc-443	98	19	who	who	PRON
ijtc-443	98	20	go	go	VERB
ijtc-443	98	21	about	about	ADV
ijtc-443	98	22	as	as	ADP
ijtc-443	98	23	debt	debt	NOUN
ijtc-443	98	24	holders	holder	NOUN
ijtc-443	98	25	and	and	CCONJ
ijtc-443	98	26	banks	bank	NOUN
ijtc-443	98	27	.	.	PUNCT
ijtc-443	99	1	this	this	DET
ijtc-443	99	2	kind	kind	NOUN
ijtc-443	99	3	of	of	ADP
ijtc-443	99	4	fintech	fintech	NOUN
ijtc-443	99	5	is	be	AUX
ijtc-443	99	6	regularly	regularly	ADV
ijtc-443	99	7	known	know	VERB
ijtc-443	99	8	as	as	ADP
ijtc-443	99	9	group	group	NOUN
ijtc-443	99	10	establishing	establish	VERB
ijtc-443	99	11	and	and	CCONJ
ijtc-443	99	12	distributed	distribute	VERB
ijtc-443	99	13	(	(	PUNCT
ijtc-443	99	14	p2p	p2p	NOUN
ijtc-443	99	15	)	)	PUNCT
ijtc-443	99	16	loaning	loaning	NOUN
ijtc-443	99	17	.	.	PUNCT
ijtc-443	100	1	the	the	DET
ijtc-443	100	2	installment	installment	NOUN
ijtc-443	100	3	framework	framework	NOUN
ijtc-443	100	4	in	in	ADP
ijtc-443	100	5	indonesia	indonesia	PROPN
ijtc-443	100	6	depends	depend	VERB
ijtc-443	100	7	on	on	ADP
ijtc-443	100	8	3	3	NUM
ijtc-443	100	9	lawful	lawful	ADJ
ijtc-443	100	10	bases	basis	NOUN
ijtc-443	100	11	,	,	PUNCT
ijtc-443	100	12	in	in	ADP
ijtc-443	100	13	particular	particular	ADJ
ijtc-443	100	14	:	:	PUNCT
ijtc-443	100	15	1	1	X
ijtc-443	100	16	.	.	X
ijtc-443	100	17	bank	bank	PROPN
ijtc-443	100	18	indonesia	indonesia	PROPN
ijtc-443	100	19	regulation	regulation	PROPN
ijtc-443	100	20	no	no	INTJ
ijtc-443	100	21	.	.	PUNCT
ijtc-443	101	1	18/40	18/40	NUM
ijtc-443	101	2	/	/	SYM
ijtc-443	101	3	pbi/2016	pbi/2016	NOUN
ijtc-443	101	4	concerning	concern	VERB
ijtc-443	101	5	the	the	DET
ijtc-443	101	6	handling	handling	NOUN
ijtc-443	101	7	of	of	ADP
ijtc-443	101	8	installment	installment	NOUN
ijtc-443	101	9	monetary	monetary	ADJ
ijtc-443	101	10	exchanges	exchange	NOUN
ijtc-443	101	11	.	.	PUNCT
ijtc-443	102	1	2	2	X
ijtc-443	102	2	.	.	X
ijtc-443	102	3	bank	bank	PROPN
ijtc-443	102	4	indonesia	indonesia	PROPN
ijtc-443	102	5	circular	circular	PROPN
ijtc-443	102	6	letter	letter	NOUN
ijtc-443	102	7	no	no	INTJ
ijtc-443	102	8	.	.	PUNCT
ijtc-443	103	1	18/22	18/22	NUM
ijtc-443	103	2	/	/	SYM
ijtc-443	103	3	dksp	dksp	NOUN
ijtc-443	103	4	with	with	ADP
ijtc-443	103	5	respect	respect	NOUN
ijtc-443	103	6	to	to	ADP
ijtc-443	103	7	the	the	DET
ijtc-443	103	8	execution	execution	NOUN
ijtc-443	103	9	of	of	ADP
ijtc-443	103	10	advanced	advanced	ADJ
ijtc-443	103	11	monetary	monetary	ADJ
ijtc-443	103	12	administrations	administration	NOUN
ijtc-443	103	13	.	.	PUNCT
ijtc-443	104	1	3	3	X
ijtc-443	104	2	.	.	X
ijtc-443	104	3	bank	bank	PROPN
ijtc-443	104	4	indonesia	indonesia	PROPN
ijtc-443	104	5	regulation	regulation	PROPN
ijtc-443	104	6	no	no	PROPN
ijtc-443	104	7	.	.	PUNCT
ijtc-443	105	1	18/17	18/17	NUM
ijtc-443	105	2	/	/	SYM
ijtc-443	105	3	pbi/2016	pbi/2016	NOUN
ijtc-443	105	4	concerning	concern	VERB
ijtc-443	105	5	electronic	electronic	ADJ
ijtc-443	105	6	cash	cash	NOUN
ijtc-443	105	7	.	.	PUNCT
ijtc-443	106	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-443	106	2	finance	finance	NOUN
ijtc-443	106	3	technology	technology	NOUN
ijtc-443	106	4	innovation	innovation	NOUN
ijtc-443	106	5	in	in	ADP
ijtc-443	106	6	the	the	DET
ijtc-443	106	7	finance	finance	NOUN
ijtc-443	106	8	sector	sector	NOUN
ijtc-443	106	9	:	:	PUNCT
ijtc-443	106	10	the	the	DET
ijtc-443	106	11	role	role	NOUN
ijtc-443	106	12	of	of	ADP
ijtc-443	106	13	e	e	NOUN
ijtc-443	106	14	-	-	NOUN
ijtc-443	106	15	money	money	NOUN
ijtc-443	106	16	on	on	ADP
ijtc-443	106	17	increasing	increase	VERB
ijtc-443	106	18	tax	tax	NOUN
ijtc-443	106	19	revenue	revenue	NOUN
ijtc-443	106	20	kusyeni	kusyeni	NOUN
ijtc-443	106	21	,	,	PUNCT
ijtc-443	106	22	pandoyo	pandoyo	NOUN
ijtc-443	106	23	,	,	PUNCT
ijtc-443	106	24	kumala	kumala	NOUN
ijtc-443	106	25	,	,	PUNCT
ijtc-443	106	26	and	and	CCONJ
ijtc-443	106	27	sofyan	sofyan	PROPN
ijtc-443	106	28	.	.	PUNCT
ijtc-443	107	1	144	144	NUM
ijtc-443	108	1	|	|	ADV
ijtc-443	108	2	ilomata	ilomata	PROPN
ijtc-443	108	3	international	international	ADJ
ijtc-443	108	4	journal	journal	NOUN
ijtc-443	108	5	of	of	ADP
ijtc-443	108	6	tax	tax	PROPN
ijtc-443	108	7	&	&	CCONJ
ijtc-443	108	8	accounting	accounting	PROPN
ijtc-443	108	9	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-443	108	10	the	the	DET
ijtc-443	108	11	guidelines	guideline	NOUN
ijtc-443	108	12	referenced	reference	VERB
ijtc-443	108	13	above	above	ADV
ijtc-443	108	14	were	be	AUX
ijtc-443	108	15	given	give	VERB
ijtc-443	108	16	with	with	ADP
ijtc-443	108	17	thought	thought	NOUN
ijtc-443	108	18	of	of	ADP
ijtc-443	108	19	the	the	DET
ijtc-443	108	20	advancement	advancement	NOUN
ijtc-443	108	21	of	of	ADP
ijtc-443	108	22	innovation	innovation	NOUN
ijtc-443	108	23	and	and	CCONJ
ijtc-443	108	24	data	datum	NOUN
ijtc-443	108	25	frameworks	framework	NOUN
ijtc-443	108	26	that	that	PRON
ijtc-443	108	27	produce	produce	VERB
ijtc-443	108	28	developments	development	NOUN
ijtc-443	108	29	,	,	PUNCT
ijtc-443	108	30	particularly	particularly	ADV
ijtc-443	108	31	those	those	PRON
ijtc-443	108	32	connected	connect	VERB
ijtc-443	108	33	with	with	ADP
ijtc-443	108	34	monetary	monetary	ADJ
ijtc-443	108	35	innovation	innovation	NOUN
ijtc-443	108	36	.	.	PUNCT
ijtc-443	109	1	this	this	DET
ijtc-443	109	2	guideline	guideline	NOUN
ijtc-443	109	3	expects	expect	VERB
ijtc-443	109	4	to	to	PART
ijtc-443	109	5	address	address	VERB
ijtc-443	109	6	the	the	DET
ijtc-443	109	7	issues	issue	NOUN
ijtc-443	109	8	of	of	ADP
ijtc-443	109	9	the	the	DET
ijtc-443	109	10	local	local	ADJ
ijtc-443	109	11	area	area	NOUN
ijtc-443	109	12	in	in	ADP
ijtc-443	109	13	the	the	DET
ijtc-443	109	14	field	field	NOUN
ijtc-443	109	15	of	of	ADP
ijtc-443	109	16	installments	installment	NOUN
ijtc-443	109	17	,	,	PUNCT
ijtc-443	109	18	both	both	PRON
ijtc-443	109	19	as	as	ADV
ijtc-443	109	20	far	far	ADV
ijtc-443	109	21	as	as	ADP
ijtc-443	109	22	instruments	instrument	NOUN
ijtc-443	109	23	,	,	PUNCT
ijtc-443	109	24	suppliers	supplier	NOUN
ijtc-443	109	25	,	,	PUNCT
ijtc-443	109	26	systems	system	NOUN
ijtc-443	109	27	,	,	PUNCT
ijtc-443	109	28	and	and	CCONJ
ijtc-443	109	29	framework	framework	NOUN
ijtc-443	109	30	for	for	ADP
ijtc-443	109	31	the	the	DET
ijtc-443	109	32	handling	handling	NOUN
ijtc-443	109	33	of	of	ADP
ijtc-443	109	34	between	between	ADP
ijtc-443	109	35	installment	installment	NOUN
ijtc-443	109	36	exchanges	exchange	NOUN
ijtc-443	109	37	(	(	PUNCT
ijtc-443	109	38	herdinata	herdinata	PROPN
ijtc-443	109	39	&	&	CCONJ
ijtc-443	109	40	pranatasari	pranatasari	ADJ
ijtc-443	109	41	,	,	PUNCT
ijtc-443	109	42	2020	2020	NUM
ijtc-443	109	43	)	)	PUNCT
ijtc-443	109	44	.	.	PUNCT
ijtc-443	110	1	•	•	NUM
ijtc-443	110	2	tax	tax	NOUN
ijtc-443	110	3	revenue	revenue	NOUN
ijtc-443	110	4	charge	charge	NOUN
ijtc-443	110	5	income	income	NOUN
ijtc-443	110	6	is	be	AUX
ijtc-443	110	7	a	a	DET
ijtc-443	110	8	wellspring	wellspring	NOUN
ijtc-443	110	9	of	of	ADP
ijtc-443	110	10	income	income	NOUN
ijtc-443	110	11	that	that	PRON
ijtc-443	110	12	can	can	AUX
ijtc-443	110	13	be	be	AUX
ijtc-443	110	14	acquired	acquire	VERB
ijtc-443	110	15	ceaselessly	ceaselessly	ADV
ijtc-443	110	16	and	and	CCONJ
ijtc-443	110	17	can	can	AUX
ijtc-443	110	18	be	be	AUX
ijtc-443	110	19	grown	grow	VERB
ijtc-443	110	20	ideally	ideally	ADV
ijtc-443	110	21	as	as	ADP
ijtc-443	110	22	per	per	ADP
ijtc-443	110	23	the	the	DET
ijtc-443	110	24	requirements	requirement	NOUN
ijtc-443	110	25	of	of	ADP
ijtc-443	110	26	the	the	DET
ijtc-443	110	27	public	public	ADJ
ijtc-443	110	28	authority	authority	NOUN
ijtc-443	110	29	and	and	CCONJ
ijtc-443	110	30	the	the	DET
ijtc-443	110	31	states	state	NOUN
ijtc-443	110	32	of	of	ADP
ijtc-443	110	33	the	the	DET
ijtc-443	110	34	local	local	ADJ
ijtc-443	110	35	area	area	NOUN
ijtc-443	110	36	.	.	PUNCT
ijtc-443	111	1	charge	charge	NOUN
ijtc-443	111	2	income	income	NOUN
ijtc-443	111	3	will	will	AUX
ijtc-443	111	4	be	be	AUX
ijtc-443	111	5	pay	pay	NOUN
ijtc-443	111	6	gotten	get	VERB
ijtc-443	111	7	by	by	ADP
ijtc-443	111	8	the	the	DET
ijtc-443	111	9	public	public	ADJ
ijtc-443	111	10	authority	authority	NOUN
ijtc-443	111	11	which	which	PRON
ijtc-443	111	12	is	be	AUX
ijtc-443	111	13	obtained	obtain	VERB
ijtc-443	111	14	from	from	ADP
ijtc-443	111	15	charge	charge	NOUN
ijtc-443	111	16	installments	installment	NOUN
ijtc-443	111	17	paid	pay	VERB
ijtc-443	111	18	by	by	ADP
ijtc-443	111	19	individuals	individual	NOUN
ijtc-443	111	20	.	.	PUNCT
ijtc-443	112	1	it	it	PRON
ijtc-443	112	2	does	do	AUX
ijtc-443	112	3	n't	not	PART
ijtc-443	112	4	simply	simply	ADV
ijtc-443	112	5	come	come	VERB
ijtc-443	112	6	to	to	ADP
ijtc-443	112	7	the	the	DET
ijtc-443	112	8	definition	definition	NOUN
ijtc-443	112	9	over	over	ADP
ijtc-443	112	10	that	that	SCONJ
ijtc-443	112	11	the	the	DET
ijtc-443	112	12	assets	asset	NOUN
ijtc-443	112	13	got	get	VERB
ijtc-443	112	14	by	by	ADP
ijtc-443	112	15	the	the	DET
ijtc-443	112	16	state	state	NOUN
ijtc-443	112	17	depository	depository	NOUN
ijtc-443	112	18	will	will	AUX
ijtc-443	112	19	be	be	AUX
ijtc-443	112	20	utilized	utilize	VERB
ijtc-443	112	21	by	by	ADP
ijtc-443	112	22	government	government	NOUN
ijtc-443	112	23	uses	use	NOUN
ijtc-443	112	24	for	for	ADP
ijtc-443	112	25	the	the	DET
ijtc-443	112	26	government	government	NOUN
ijtc-443	112	27	assistance	assistance	NOUN
ijtc-443	112	28	of	of	ADP
ijtc-443	112	29	individuals	individual	NOUN
ijtc-443	112	30	,	,	PUNCT
ijtc-443	112	31	as	as	SCONJ
ijtc-443	112	32	the	the	DET
ijtc-443	112	33	state	state	NOUN
ijtc-443	112	34	's	's	PART
ijtc-443	112	35	evenhanded	evenhanded	ADJ
ijtc-443	112	36	in	in	ADP
ijtc-443	112	37	the	the	DET
ijtc-443	112	38	law	law	NOUN
ijtc-443	112	39	is	be	AUX
ijtc-443	112	40	to	to	PART
ijtc-443	112	41	succeed	succeed	VERB
ijtc-443	112	42	individuals	individual	NOUN
ijtc-443	112	43	,	,	PUNCT
ijtc-443	112	44	to	to	PART
ijtc-443	112	45	make	make	VERB
ijtc-443	112	46	flourishing	flourish	VERB
ijtc-443	112	47	in	in	ADP
ijtc-443	112	48	view	view	NOUN
ijtc-443	112	49	of	of	ADP
ijtc-443	112	50	civil	civil	ADJ
ijtc-443	112	51	rights	right	NOUN
ijtc-443	112	52	for	for	ADP
ijtc-443	112	53	every	every	DET
ijtc-443	112	54	single	single	ADJ
ijtc-443	112	55	indonesian	indonesian	ADJ
ijtc-443	112	56	individual	individual	NOUN
ijtc-443	112	57	.	.	PUNCT
ijtc-443	113	1	as	as	ADV
ijtc-443	113	2	far	far	ADV
ijtc-443	113	3	as	as	ADP
ijtc-443	113	4	expanding	expand	VERB
ijtc-443	113	5	charge	charge	NOUN
ijtc-443	113	6	income	income	NOUN
ijtc-443	113	7	,	,	PUNCT
ijtc-443	113	8	dgt	dgt	PROPN
ijtc-443	113	9	has	have	AUX
ijtc-443	113	10	arranged	arrange	VERB
ijtc-443	113	11	strides	stride	NOUN
ijtc-443	113	12	to	to	PART
ijtc-443	113	13	seek	seek	VERB
ijtc-443	113	14	after	after	ADP
ijtc-443	113	15	charge	charge	NOUN
ijtc-443	113	16	income	income	NOUN
ijtc-443	113	17	targets	target	NOUN
ijtc-443	113	18	:	:	PUNCT
ijtc-443	114	1	1	1	X
ijtc-443	114	2	.	.	X
ijtc-443	114	3	automatic	automatic	ADJ
ijtc-443	114	4	exchange	exchange	NOUN
ijtc-443	114	5	of	of	ADP
ijtc-443	114	6	information	information	NOUN
ijtc-443	114	7	policy	policy	NOUN
ijtc-443	114	8	.	.	PUNCT
ijtc-443	115	1	pmk	pmk	PROPN
ijtc-443	115	2	39	39	NUM
ijtc-443	115	3	/	/	SYM
ijtc-443	115	4	pmk.03/2017	pmk.03/2017	NOUN
ijtc-443	115	5	in	in	ADP
ijtc-443	115	6	regards	regard	NOUN
ijtc-443	115	7	to	to	ADP
ijtc-443	115	8	methods	method	NOUN
ijtc-443	115	9	for	for	ADP
ijtc-443	115	10	trading	trading	NOUN
ijtc-443	115	11	data	datum	NOUN
ijtc-443	115	12	in	in	ADP
ijtc-443	115	13	view	view	NOUN
ijtc-443	115	14	of	of	ADP
ijtc-443	115	15	peaceful	peaceful	ADJ
ijtc-443	115	16	accords	accord	NOUN
ijtc-443	115	17	expresses	express	VERB
ijtc-443	115	18	that	that	SCONJ
ijtc-443	115	19	skillful	skillful	ADJ
ijtc-443	115	20	experts	expert	NOUN
ijtc-443	115	21	in	in	ADP
ijtc-443	115	22	indonesia	indonesia	PROPN
ijtc-443	115	23	might	might	AUX
ijtc-443	115	24	demand	demand	VERB
ijtc-443	115	25	data	datum	NOUN
ijtc-443	115	26	from	from	ADP
ijtc-443	115	27	equipped	equipped	ADJ
ijtc-443	115	28	experts	expert	NOUN
ijtc-443	115	29	in	in	ADP
ijtc-443	115	30	accomplice	accomplice	NOUN
ijtc-443	115	31	nations	nation	NOUN
ijtc-443	115	32	in	in	ADP
ijtc-443	115	33	regards	regard	NOUN
ijtc-443	115	34	to	to	ADP
ijtc-443	115	35	annual	annual	ADJ
ijtc-443	115	36	expense	expense	NOUN
ijtc-443	115	37	keeping	keep	VERB
ijtc-443	115	38	information	information	NOUN
ijtc-443	115	39	,	,	PUNCT
ijtc-443	115	40	account	account	NOUN
ijtc-443	115	41	information	information	NOUN
ijtc-443	115	42	,	,	PUNCT
ijtc-443	115	43	country	country	NOUN
ijtc-443	115	44	-	-	PUNCT
ijtc-443	115	45	by	by	ADP
ijtc-443	115	46	-	-	PUNCT
ijtc-443	115	47	country	country	NOUN
ijtc-443	115	48	reports	report	NOUN
ijtc-443	115	49	in	in	ADP
ijtc-443	115	50	light	light	NOUN
ijtc-443	115	51	of	of	ADP
ijtc-443	115	52	shared	share	VERB
ijtc-443	115	53	arrangement	arrangement	NOUN
ijtc-443	115	54	among	among	ADP
ijtc-443	115	55	indonesia	indonesia	PROPN
ijtc-443	115	56	and	and	CCONJ
ijtc-443	115	57	the	the	DET
ijtc-443	115	58	state	state	NOUN
ijtc-443	115	59	.	.	PUNCT
ijtc-443	116	1	accomplices	accomplice	NOUN
ijtc-443	116	2	with	with	ADP
ijtc-443	116	3	regards	regard	NOUN
ijtc-443	116	4	to	to	ADP
ijtc-443	116	5	oversight	oversight	NOUN
ijtc-443	116	6	and	and	CCONJ
ijtc-443	116	7	review	review	VERB
ijtc-443	116	8	.	.	PUNCT
ijtc-443	117	1	2	2	X
ijtc-443	117	2	.	.	X
ijtc-443	117	3	supportable	supportable	ADJ
ijtc-443	117	4	compliance	compliance	NOUN
ijtc-443	117	5	.	.	PUNCT
ijtc-443	118	1	through	through	ADP
ijtc-443	118	2	charge	charge	NOUN
ijtc-443	118	3	administration	administration	NOUN
ijtc-443	118	4	developments	development	NOUN
ijtc-443	118	5	,	,	PUNCT
ijtc-443	118	6	dgt	dgt	NOUN
ijtc-443	118	7	keeps	keep	VERB
ijtc-443	118	8	on	on	ADP
ijtc-443	118	9	making	make	VERB
ijtc-443	118	10	progress	progress	NOUN
ijtc-443	118	11	toward	toward	ADP
ijtc-443	118	12	restoration	restoration	NOUN
ijtc-443	118	13	by	by	ADP
ijtc-443	118	14	building	build	VERB
ijtc-443	118	15	and	and	CCONJ
ijtc-443	118	16	keeping	keep	VERB
ijtc-443	118	17	up	up	ADP
ijtc-443	118	18	with	with	ADP
ijtc-443	118	19	maintainable	maintainable	ADJ
ijtc-443	118	20	assessment	assessment	NOUN
ijtc-443	118	21	mindfulness	mindfulness	NOUN
ijtc-443	118	22	through	through	ADP
ijtc-443	118	23	different	different	ADJ
ijtc-443	118	24	duty	duty	PROPN
ijtc-443	118	25	administration	administration	NOUN
ijtc-443	118	26	advancements	advancement	NOUN
ijtc-443	118	27	,	,	PUNCT
ijtc-443	118	28	for	for	ADP
ijtc-443	118	29	example	example	NOUN
ijtc-443	118	30	,	,	PUNCT
ijtc-443	118	31	e	e	NOUN
ijtc-443	118	32	-	-	NOUN
ijtc-443	118	33	administration	administration	NOUN
ijtc-443	118	34	,	,	PUNCT
ijtc-443	118	35	portable	portable	ADJ
ijtc-443	118	36	expense	expense	NOUN
ijtc-443	118	37	unit	unit	NOUN
ijtc-443	118	38	,	,	PUNCT
ijtc-443	118	39	miniature	miniature	ADJ
ijtc-443	118	40	kpp	kpp	PROPN
ijtc-443	118	41	and	and	CCONJ
ijtc-443	118	42	outbound	outbound	NOUN
ijtc-443	118	43	calls	call	NOUN
ijtc-443	118	44	.	.	PUNCT
ijtc-443	119	1	3	3	X
ijtc-443	119	2	.	.	X
ijtc-443	119	3	mix	mix	NOUN
ijtc-443	119	4	of	of	ADP
ijtc-443	119	5	tax	tax	NOUN
ijtc-443	119	6	assessment	assessment	NOUN
ijtc-443	119	7	information	information	NOUN
ijtc-443	119	8	and	and	CCONJ
ijtc-443	119	9	data	datum	NOUN
ijtc-443	119	10	frameworks	framework	NOUN
ijtc-443	119	11	.	.	PUNCT
ijtc-443	120	1	dgt	dgt	NOUN
ijtc-443	120	2	should	should	AUX
ijtc-443	120	3	put	put	VERB
ijtc-443	120	4	forth	forth	ADP
ijtc-443	120	5	attempts	attempt	NOUN
ijtc-443	120	6	to	to	PART
ijtc-443	120	7	refresh	refresh	VERB
ijtc-443	120	8	information	information	NOUN
ijtc-443	120	9	and	and	CCONJ
ijtc-443	120	10	incorporate	incorporate	VERB
ijtc-443	120	11	frameworks	framework	NOUN
ijtc-443	120	12	,	,	PUNCT
ijtc-443	120	13	among	among	ADP
ijtc-443	120	14	others	other	NOUN
ijtc-443	120	15	,	,	PUNCT
ijtc-443	120	16	through	through	ADP
ijtc-443	120	17	e	e	NOUN
ijtc-443	120	18	-	-	NOUN
ijtc-443	120	19	filling	filling	ADJ
ijtc-443	120	20	,	,	PUNCT
ijtc-443	120	21	echarging	echarging	NOUN
ijtc-443	120	22	,	,	PUNCT
ijtc-443	120	23	e	e	NOUN
ijtc-443	120	24	-	-	NOUN
ijtc-443	120	25	structures	structure	NOUN
ijtc-443	120	26	,	,	PUNCT
ijtc-443	120	27	and	and	CCONJ
ijtc-443	120	28	e	e	NOUN
ijtc-443	120	29	-	-	NOUN
ijtc-443	120	30	solicitations	solicitation	NOUN
ijtc-443	120	31	.	.	PUNCT
ijtc-443	121	1	moreover	moreover	ADV
ijtc-443	121	2	,	,	PUNCT
ijtc-443	121	3	dgt	dgt	PROPN
ijtc-443	121	4	likewise	likewise	ADV
ijtc-443	121	5	approves	approve	VERB
ijtc-443	121	6	information	information	NOUN
ijtc-443	121	7	as	as	ADP
ijtc-443	121	8	duty	duty	NOUN
ijtc-443	121	9	back	back	ADP
ijtc-443	121	10	payments	payment	NOUN
ijtc-443	121	11	through	through	ADP
ijtc-443	121	12	the	the	DET
ijtc-443	121	13	provenido	provenido	NOUN
ijtc-443	121	14	program	program	NOUN
ijtc-443	121	15	to	to	ADP
ijtc-443	121	16	information	information	NOUN
ijtc-443	121	17	approval	approval	NOUN
ijtc-443	121	18	of	of	ADP
ijtc-443	121	19	notification	notification	NOUN
ijtc-443	121	20	letters	letter	NOUN
ijtc-443	121	21	(	(	PUNCT
ijtc-443	121	22	spt	spt	PROPN
ijtc-443	121	23	)	)	PUNCT
ijtc-443	121	24	.	.	PUNCT
ijtc-443	122	1	dgt	dgt	PROPN
ijtc-443	122	2	additionally	additionally	ADV
ijtc-443	122	3	moves	move	VERB
ijtc-443	122	4	data	data	NOUN
ijtc-443	122	5	sets	set	NOUN
ijtc-443	122	6	in	in	ADP
ijtc-443	122	7	dgt	dgt	NOUN
ijtc-443	122	8	's	's	PART
ijtc-443	122	9	data	datum	NOUN
ijtc-443	122	10	framework	framework	NOUN
ijtc-443	122	11	.	.	PUNCT
ijtc-443	123	1	4	4	X
ijtc-443	123	2	.	.	X
ijtc-443	123	3	charge	charge	NOUN
ijtc-443	123	4	impetuses	impetus	NOUN
ijtc-443	123	5	and	and	CCONJ
ijtc-443	123	6	audit	audit	NOUN
ijtc-443	123	7	of	of	ADP
ijtc-443	123	8	exception	exception	NOUN
ijtc-443	123	9	charge	charge	NOUN
ijtc-443	123	10	approaches	approach	NOUN
ijtc-443	123	11	.	.	PUNCT
ijtc-443	124	1	the	the	DET
ijtc-443	124	2	public	public	ADJ
ijtc-443	124	3	authority	authority	NOUN
ijtc-443	124	4	keeps	keep	VERB
ijtc-443	124	5	on	on	ADP
ijtc-443	124	6	giving	give	VERB
ijtc-443	124	7	duty	duty	NOUN
ijtc-443	124	8	motivators	motivator	NOUN
ijtc-443	124	9	as	as	ADP
ijtc-443	124	10	expense	expense	NOUN
ijtc-443	124	11	occasions	occasion	NOUN
ijtc-443	124	12	and	and	CCONJ
ijtc-443	124	13	assessment	assessment	NOUN
ijtc-443	124	14	recompenses	recompense	NOUN
ijtc-443	124	15	.	.	PUNCT
ijtc-443	125	1	charge	charge	NOUN
ijtc-443	125	2	occasions	occasion	NOUN
ijtc-443	125	3	have	have	AUX
ijtc-443	125	4	been	be	AUX
ijtc-443	125	5	allowed	allow	VERB
ijtc-443	125	6	to	to	ADP
ijtc-443	125	7	citizens	citizen	NOUN
ijtc-443	125	8	who	who	PRON
ijtc-443	125	9	make	make	VERB
ijtc-443	125	10	new	new	ADJ
ijtc-443	125	11	ventures	venture	NOUN
ijtc-443	125	12	and	and	CCONJ
ijtc-443	125	13	are	be	AUX
ijtc-443	125	14	spearheading	spearhead	VERB
ijtc-443	125	15	enterprises	enterprise	NOUN
ijtc-443	125	16	with	with	ADP
ijtc-443	125	17	specific	specific	ADJ
ijtc-443	125	18	circumstances	circumstance	NOUN
ijtc-443	125	19	.	.	PUNCT
ijtc-443	126	1	5	5	X
ijtc-443	126	2	.	.	X
ijtc-443	126	3	improvement	improvement	NOUN
ijtc-443	126	4	of	of	ADP
ijtc-443	126	5	human	human	ADJ
ijtc-443	126	6	resources	resource	NOUN
ijtc-443	126	7	(	(	PUNCT
ijtc-443	126	8	hr	hr	NOUN
ijtc-443	126	9	)	)	PUNCT
ijtc-443	126	10	and	and	CCONJ
ijtc-443	126	11	the	the	DET
ijtc-443	126	12	association	association	NOUN
ijtc-443	126	13	of	of	ADP
ijtc-443	126	14	hr	hr	NOUN
ijtc-443	126	15	improvement	improvement	NOUN
ijtc-443	126	16	is	be	AUX
ijtc-443	126	17	centered	center	VERB
ijtc-443	126	18	around	around	ADP
ijtc-443	126	19	working	work	VERB
ijtc-443	126	20	on	on	ADP
ijtc-443	126	21	the	the	DET
ijtc-443	126	22	administrations	administration	NOUN
ijtc-443	126	23	of	of	ADP
ijtc-443	126	24	representatives	representative	NOUN
ijtc-443	126	25	and	and	CCONJ
ijtc-443	126	26	citizens	citizen	NOUN
ijtc-443	126	27	as	as	ADV
ijtc-443	126	28	well	well	ADV
ijtc-443	126	29	as	as	ADP
ijtc-443	126	30	expanding	expand	VERB
ijtc-443	126	31	hierarchical	hierarchical	ADJ
ijtc-443	126	32	viability	viability	NOUN
ijtc-443	126	33	through	through	ADP
ijtc-443	126	34	further	further	ADJ
ijtc-443	126	35	developing	develop	VERB
ijtc-443	126	36	data	datum	NOUN
ijtc-443	126	37	frameworks	framework	NOUN
ijtc-443	126	38	and	and	CCONJ
ijtc-443	126	39	functional	functional	ADJ
ijtc-443	126	40	strategies	strategy	NOUN
ijtc-443	126	41	.	.	PUNCT
ijtc-443	127	1	•	•	ADJ
ijtc-443	127	2	effect	effect	NOUN
ijtc-443	127	3	of	of	ADP
ijtc-443	127	4	non	non	ADJ
ijtc-443	127	5	-	-	ADJ
ijtc-443	127	6	cash	cash	ADJ
ijtc-443	127	7	payments	payment	NOUN
ijtc-443	127	8	on	on	ADP
ijtc-443	127	9	the	the	DET
ijtc-443	127	10	national	national	ADJ
ijtc-443	127	11	economy	economy	NOUN
ijtc-443	127	12	by	by	ADP
ijtc-443	127	13	accepting	accept	VERB
ijtc-443	127	14	indonesia	indonesia	PROPN
ijtc-443	127	15	as	as	ADP
ijtc-443	127	16	a	a	DET
ijtc-443	127	17	shut	shut	ADJ
ijtc-443	127	18	economy	economy	NOUN
ijtc-443	127	19	country	country	NOUN
ijtc-443	127	20	,	,	PUNCT
ijtc-443	127	21	the	the	DET
ijtc-443	127	22	expansion	expansion	NOUN
ijtc-443	127	23	in	in	ADP
ijtc-443	127	24	the	the	DET
ijtc-443	127	25	utilization	utilization	NOUN
ijtc-443	127	26	of	of	ADP
ijtc-443	127	27	non	non	ADJ
ijtc-443	127	28	-	-	ADJ
ijtc-443	127	29	cash	cash	ADJ
ijtc-443	127	30	installment	installment	NOUN
ijtc-443	127	31	instruments	instrument	NOUN
ijtc-443	127	32	or	or	CCONJ
ijtc-443	127	33	e	e	NOUN
ijtc-443	127	34	-	-	NOUN
ijtc-443	127	35	money	money	NOUN
ijtc-443	127	36	can	can	AUX
ijtc-443	127	37	affect	affect	VERB
ijtc-443	127	38	diminishing	diminish	VERB
ijtc-443	127	39	interest	interest	NOUN
ijtc-443	127	40	for	for	ADP
ijtc-443	127	41	cash	cash	NOUN
ijtc-443	127	42	locally	locally	ADV
ijtc-443	127	43	.	.	PUNCT
ijtc-443	128	1	hypothetically	hypothetically	ADV
ijtc-443	128	2	,	,	PUNCT
ijtc-443	128	3	a	a	DET
ijtc-443	128	4	reduction	reduction	NOUN
ijtc-443	128	5	in	in	ADP
ijtc-443	128	6	the	the	DET
ijtc-443	128	7	interest	interest	NOUN
ijtc-443	128	8	for	for	ADP
ijtc-443	128	9	cash	cash	NOUN
ijtc-443	128	10	will	will	AUX
ijtc-443	128	11	cause	cause	VERB
ijtc-443	128	12	a	a	DET
ijtc-443	128	13	diminishing	diminishing	NOUN
ijtc-443	128	14	in	in	ADP
ijtc-443	128	15	loan	loan	NOUN
ijtc-443	128	16	costs	cost	NOUN
ijtc-443	128	17	in	in	ADP
ijtc-443	128	18	the	the	DET
ijtc-443	128	19	currency	currency	NOUN
ijtc-443	128	20	market	market	NOUN
ijtc-443	128	21	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-443	128	22	finance	finance	NOUN
ijtc-443	128	23	technology	technology	NOUN
ijtc-443	128	24	innovation	innovation	NOUN
ijtc-443	128	25	in	in	ADP
ijtc-443	128	26	the	the	DET
ijtc-443	128	27	finance	finance	NOUN
ijtc-443	128	28	sector	sector	NOUN
ijtc-443	128	29	:	:	PUNCT
ijtc-443	128	30	the	the	DET
ijtc-443	128	31	role	role	NOUN
ijtc-443	128	32	of	of	ADP
ijtc-443	128	33	e	e	NOUN
ijtc-443	128	34	-	-	NOUN
ijtc-443	128	35	money	money	NOUN
ijtc-443	128	36	on	on	ADP
ijtc-443	128	37	increasing	increase	VERB
ijtc-443	128	38	tax	tax	NOUN
ijtc-443	128	39	revenue	revenue	NOUN
ijtc-443	128	40	kusyeni	kusyeni	NOUN
ijtc-443	128	41	,	,	PUNCT
ijtc-443	128	42	pandoyo	pandoyo	NOUN
ijtc-443	128	43	,	,	PUNCT
ijtc-443	128	44	kumala	kumala	NOUN
ijtc-443	128	45	,	,	PUNCT
ijtc-443	128	46	and	and	CCONJ
ijtc-443	128	47	sofyan	sofyan	PROPN
ijtc-443	128	48	.	.	PUNCT
ijtc-443	129	1	145	145	NUM
ijtc-443	130	1	|	|	ADV
ijtc-443	130	2	ilomata	ilomata	PROPN
ijtc-443	130	3	international	international	ADJ
ijtc-443	130	4	journal	journal	NOUN
ijtc-443	130	5	of	of	ADP
ijtc-443	130	6	tax	tax	PROPN
ijtc-443	130	7	&	&	CCONJ
ijtc-443	130	8	accounting	accounting	NOUN
ijtc-443	130	9	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-443	130	10	since	since	SCONJ
ijtc-443	130	11	individuals	individual	NOUN
ijtc-443	130	12	will	will	AUX
ijtc-443	130	13	decide	decide	VERB
ijtc-443	130	14	to	to	PART
ijtc-443	130	15	utilize	utilize	VERB
ijtc-443	130	16	non	non	ADJ
ijtc-443	130	17	-	-	ADJ
ijtc-443	130	18	cash	cash	ADJ
ijtc-443	130	19	installment	installment	NOUN
ijtc-443	130	20	instruments	instrument	NOUN
ijtc-443	130	21	along	along	ADP
ijtc-443	130	22	with	with	ADP
ijtc-443	130	23	setting	set	VERB
ijtc-443	130	24	aside	aside	ADP
ijtc-443	130	25	cash	cash	NOUN
ijtc-443	130	26	in	in	ADP
ijtc-443	130	27	the	the	DET
ijtc-443	130	28	bank	bank	NOUN
ijtc-443	130	29	concerned	concern	VERB
ijtc-443	130	30	.	.	PUNCT
ijtc-443	131	1	this	this	PRON
ijtc-443	131	2	makes	make	VERB
ijtc-443	131	3	acquiring	acquire	VERB
ijtc-443	131	4	costs	cost	NOUN
ijtc-443	131	5	more	more	ADV
ijtc-443	131	6	cutthroat	cutthroat	ADJ
ijtc-443	131	7	,	,	PUNCT
ijtc-443	131	8	consequently	consequently	ADV
ijtc-443	131	9	expanding	expand	VERB
ijtc-443	131	10	firm	firm	ADJ
ijtc-443	131	11	venture	venture	NOUN
ijtc-443	131	12	and	and	CCONJ
ijtc-443	131	13	expanding	expand	VERB
ijtc-443	131	14	public	public	ADJ
ijtc-443	131	15	genuine	genuine	ADJ
ijtc-443	131	16	result	result	NOUN
ijtc-443	131	17	.	.	PUNCT
ijtc-443	132	1	so	so	ADV
ijtc-443	132	2	one	one	PRON
ijtc-443	132	3	might	might	AUX
ijtc-443	132	4	say	say	VERB
ijtc-443	132	5	that	that	SCONJ
ijtc-443	132	6	the	the	DET
ijtc-443	132	7	utilization	utilization	NOUN
ijtc-443	132	8	of	of	ADP
ijtc-443	132	9	e	e	NOUN
ijtc-443	132	10	-	-	NOUN
ijtc-443	132	11	money	money	NOUN
ijtc-443	132	12	will	will	AUX
ijtc-443	132	13	prompt	prompt	VERB
ijtc-443	132	14	monetary	monetary	ADJ
ijtc-443	132	15	development	development	NOUN
ijtc-443	132	16	(	(	PUNCT
ijtc-443	132	17	matei	matei	NOUN
ijtc-443	132	18	et	et	PROPN
ijtc-443	132	19	al	al	PROPN
ijtc-443	132	20	.	.	PROPN
ijtc-443	132	21	,	,	PUNCT
ijtc-443	132	22	2021	2021	NUM
ijtc-443	132	23	)	)	PUNCT
ijtc-443	132	24	.	.	PUNCT
ijtc-443	133	1	with	with	ADP
ijtc-443	133	2	similar	similar	ADJ
ijtc-443	133	3	insightful	insightful	ADJ
ijtc-443	133	4	apparatuses	apparatus	NOUN
ijtc-443	133	5	,	,	PUNCT
ijtc-443	133	6	in	in	ADP
ijtc-443	133	7	the	the	DET
ijtc-443	133	8	event	event	NOUN
ijtc-443	133	9	that	that	PRON
ijtc-443	133	10	individuals	individual	NOUN
ijtc-443	133	11	use	use	VERB
ijtc-443	133	12	e	e	NOUN
ijtc-443	133	13	-	-	NOUN
ijtc-443	133	14	money	money	NOUN
ijtc-443	133	15	,	,	PUNCT
ijtc-443	133	16	e	e	NOUN
ijtc-443	133	17	-	-	NOUN
ijtc-443	133	18	money	money	NOUN
ijtc-443	133	19	clients	client	NOUN
ijtc-443	133	20	will	will	AUX
ijtc-443	133	21	feel	feel	VERB
ijtc-443	133	22	a	a	DET
ijtc-443	133	23	diminishing	diminishing	NOUN
ijtc-443	133	24	in	in	ADP
ijtc-443	133	25	exchange	exchange	NOUN
ijtc-443	133	26	expenses	expense	NOUN
ijtc-443	133	27	and	and	CCONJ
ijtc-443	133	28	holding	hold	VERB
ijtc-443	133	29	up	up	ADP
ijtc-443	133	30	costs	cost	NOUN
ijtc-443	133	31	in	in	ADP
ijtc-443	133	32	making	make	VERB
ijtc-443	133	33	cash	cash	NOUN
ijtc-443	133	34	installment	installment	NOUN
ijtc-443	133	35	exchanges	exchange	NOUN
ijtc-443	133	36	.	.	PUNCT
ijtc-443	134	1	this	this	PRON
ijtc-443	134	2	is	be	AUX
ijtc-443	134	3	on	on	ADP
ijtc-443	134	4	the	the	DET
ijtc-443	134	5	grounds	ground	NOUN
ijtc-443	134	6	that	that	SCONJ
ijtc-443	134	7	with	with	ADP
ijtc-443	134	8	the	the	DET
ijtc-443	134	9	presence	presence	NOUN
ijtc-443	134	10	of	of	ADP
ijtc-443	134	11	non	non	ADJ
ijtc-443	134	12	-	-	ADJ
ijtc-443	134	13	cash	cash	ADJ
ijtc-443	134	14	installment	installment	NOUN
ijtc-443	134	15	instruments	instrument	NOUN
ijtc-443	134	16	,	,	PUNCT
ijtc-443	134	17	installment	installment	NOUN
ijtc-443	134	18	exchanges	exchange	NOUN
ijtc-443	134	19	will	will	AUX
ijtc-443	134	20	be	be	AUX
ijtc-443	134	21	done	do	VERB
ijtc-443	134	22	all	all	DET
ijtc-443	134	23	the	the	PRON
ijtc-443	134	24	more	more	ADV
ijtc-443	134	25	rapidly	rapidly	ADV
ijtc-443	134	26	.	.	PUNCT
ijtc-443	135	1	what	what	PRON
ijtc-443	135	2	's	be	AUX
ijtc-443	135	3	more	more	ADJ
ijtc-443	135	4	,	,	PUNCT
ijtc-443	135	5	there	there	PRON
ijtc-443	135	6	is	be	VERB
ijtc-443	135	7	the	the	DET
ijtc-443	135	8	potential	potential	NOUN
ijtc-443	135	9	for	for	ADP
ijtc-443	135	10	extra	extra	ADJ
ijtc-443	135	11	pay	pay	NOUN
ijtc-443	135	12	as	as	ADP
ijtc-443	135	13	impetuses	impetus	NOUN
ijtc-443	135	14	as	as	ADP
ijtc-443	135	15	a	a	DET
ijtc-443	135	16	sugar	sugar	NOUN
ijtc-443	135	17	presented	present	VERB
ijtc-443	135	18	from	from	ADP
ijtc-443	135	19	every	every	DET
ijtc-443	135	20	e	e	NOUN
ijtc-443	135	21	-	-	ADJ
ijtc-443	135	22	money	money	ADJ
ijtc-443	135	23	specialist	specialist	NOUN
ijtc-443	135	24	organization	organization	NOUN
ijtc-443	135	25	,	,	PUNCT
ijtc-443	135	26	like	like	ADP
ijtc-443	135	27	limits	limit	NOUN
ijtc-443	135	28	and	and	CCONJ
ijtc-443	135	29	free	free	ADJ
ijtc-443	135	30	vouchers	voucher	NOUN
ijtc-443	135	31	for	for	ADP
ijtc-443	135	32	specific	specific	ADJ
ijtc-443	135	33	exchanges	exchange	NOUN
ijtc-443	135	34	.	.	PUNCT
ijtc-443	136	1	this	this	DET
ijtc-443	136	2	condition	condition	NOUN
ijtc-443	136	3	will	will	AUX
ijtc-443	136	4	build	build	VERB
ijtc-443	136	5	public	public	ADJ
ijtc-443	136	6	utilization	utilization	NOUN
ijtc-443	136	7	.	.	PUNCT
ijtc-443	137	1	•	•	NUM
ijtc-443	137	2	indonesia	indonesia	PROPN
ijtc-443	137	3	toword	toword	VERB
ijtc-443	137	4	an	an	DET
ijtc-443	137	5	era	era	NOUN
ijtc-443	137	6	cashless	cashless	NOUN
ijtc-443	137	7	society	society	NOUN
ijtc-443	137	8	the	the	DET
ijtc-443	137	9	compulsory	compulsory	ADJ
ijtc-443	137	10	implementation	implementation	NOUN
ijtc-443	137	11	of	of	ADP
ijtc-443	137	12	utilizing	utilize	VERB
ijtc-443	137	13	e	e	NOUN
ijtc-443	137	14	-	-	NOUN
ijtc-443	137	15	money	money	NOUN
ijtc-443	137	16	or	or	CCONJ
ijtc-443	137	17	it	it	PRON
ijtc-443	137	18	very	very	ADV
ijtc-443	137	19	well	well	ADV
ijtc-443	137	20	may	may	AUX
ijtc-443	137	21	be	be	AUX
ijtc-443	137	22	with	with	ADP
ijtc-443	137	23	e	e	NOUN
ijtc-443	137	24	-	-	NOUN
ijtc-443	137	25	cash	cash	NOUN
ijtc-443	137	26	on	on	ADP
ijtc-443	137	27	october	october	PROPN
ijtc-443	137	28	31	31	NUM
ijtc-443	137	29	,	,	PUNCT
ijtc-443	137	30	2017	2017	NUM
ijtc-443	137	31	then	then	ADV
ijtc-443	137	32	gives	give	VERB
ijtc-443	137	33	many	many	ADJ
ijtc-443	137	34	advantages	advantage	NOUN
ijtc-443	137	35	.	.	PUNCT
ijtc-443	138	1	aside	aside	ADV
ijtc-443	138	2	from	from	ADP
ijtc-443	138	3	not	not	PART
ijtc-443	138	4	holding	hold	VERB
ijtc-443	138	5	up	up	ADP
ijtc-443	138	6	in	in	ADP
ijtc-443	138	7	long	long	ADJ
ijtc-443	138	8	queues	queue	NOUN
ijtc-443	138	9	and	and	CCONJ
ijtc-443	138	10	stressing	stress	VERB
ijtc-443	138	11	over	over	ADP
ijtc-443	138	12	changing	change	VERB
ijtc-443	138	13	cash	cash	NOUN
ijtc-443	138	14	since	since	SCONJ
ijtc-443	138	15	you	you	PRON
ijtc-443	138	16	need	need	VERB
ijtc-443	138	17	to	to	PART
ijtc-443	138	18	zero	zero	NUM
ijtc-443	138	19	in	in	ADP
ijtc-443	138	20	on	on	ADP
ijtc-443	138	21	driving	driving	NOUN
ijtc-443	138	22	,	,	PUNCT
ijtc-443	138	23	exchanges	exchange	NOUN
ijtc-443	138	24	utilizing	utilize	VERB
ijtc-443	138	25	e	e	NOUN
ijtc-443	138	26	-	-	NOUN
ijtc-443	138	27	tolls	toll	NOUN
ijtc-443	138	28	likewise	likewise	ADV
ijtc-443	138	29	save	save	VERB
ijtc-443	138	30	time	time	NOUN
ijtc-443	138	31	,	,	PUNCT
ijtc-443	138	32	particularly	particularly	ADV
ijtc-443	138	33	since	since	SCONJ
ijtc-443	138	34	there	there	PRON
ijtc-443	138	35	are	be	VERB
ijtc-443	138	36	cost	cost	NOUN
ijtc-443	138	37	sticks	stick	NOUN
ijtc-443	138	38	,	,	PUNCT
ijtc-443	138	39	which	which	PRON
ijtc-443	138	40	are	be	AUX
ijtc-443	138	41	instruments	instrument	NOUN
ijtc-443	138	42	,	,	PUNCT
ijtc-443	138	43	for	for	ADP
ijtc-443	138	44	example	example	NOUN
ijtc-443	138	45	,	,	PUNCT
ijtc-443	138	46	cost	cost	NOUN
ijtc-443	138	47	sticks	stick	NOUN
ijtc-443	138	48	with	with	ADP
ijtc-443	138	49	a	a	DET
ijtc-443	138	50	tip	tip	NOUN
ijtc-443	138	51	that	that	PRON
ijtc-443	138	52	has	have	VERB
ijtc-443	138	53	a	a	DET
ijtc-443	138	54	spot	spot	NOUN
ijtc-443	138	55	to	to	PART
ijtc-443	138	56	embed	embed	VERB
ijtc-443	138	57	an	an	DET
ijtc-443	138	58	e	e	NOUN
ijtc-443	138	59	-	-	NOUN
ijtc-443	138	60	money	money	NOUN
ijtc-443	138	61	card	card	NOUN
ijtc-443	138	62	,	,	PUNCT
ijtc-443	138	63	making	make	VERB
ijtc-443	138	64	it	it	PRON
ijtc-443	138	65	simpler	simple	ADJ
ijtc-443	138	66	for	for	SCONJ
ijtc-443	138	67	clients	client	NOUN
ijtc-443	138	68	to	to	PART
ijtc-443	138	69	tap	tap	VERB
ijtc-443	138	70	.	.	PUNCT
ijtc-443	139	1	in	in	ADP
ijtc-443	139	2	or	or	CCONJ
ijtc-443	139	3	tap	tap	VERB
ijtc-443	139	4	out	out	ADP
ijtc-443	139	5	at	at	ADP
ijtc-443	139	6	the	the	DET
ijtc-443	139	7	cost	cost	NOUN
ijtc-443	139	8	entryway	entryway	NOUN
ijtc-443	139	9	.	.	PUNCT
ijtc-443	140	1	considerably	considerably	ADV
ijtc-443	140	2	more	more	ADV
ijtc-443	140	3	refined	refined	ADJ
ijtc-443	140	4	,	,	PUNCT
ijtc-443	140	5	there	there	PRON
ijtc-443	140	6	is	be	VERB
ijtc-443	140	7	an	an	DET
ijtc-443	140	8	e	e	NOUN
ijtc-443	140	9	-	-	ADJ
ijtc-443	140	10	toll	toll	ADJ
ijtc-443	140	11	pass	pass	NOUN
ijtc-443	140	12	,	,	PUNCT
ijtc-443	140	13	which	which	PRON
ijtc-443	140	14	is	be	AUX
ijtc-443	140	15	an	an	PRON
ijtc-443	140	16	on	on	ADP
ijtc-443	140	17	board	board	NOUN
ijtc-443	140	18	unit	unit	NOUN
ijtc-443	140	19	(	(	PUNCT
ijtc-443	140	20	obu	obu	PROPN
ijtc-443	140	21	)	)	PUNCT
ijtc-443	140	22	transmitter	transmitter	NOUN
ijtc-443	140	23	that	that	PRON
ijtc-443	140	24	is	be	AUX
ijtc-443	140	25	mounted	mount	VERB
ijtc-443	140	26	on	on	ADP
ijtc-443	140	27	the	the	DET
ijtc-443	140	28	windshield	windshield	NOUN
ijtc-443	140	29	(	(	PUNCT
ijtc-443	140	30	focus	focus	NOUN
ijtc-443	140	31	,	,	PUNCT
ijtc-443	140	32	left	left	ADJ
ijtc-443	140	33	or	or	CCONJ
ijtc-443	140	34	right	right	ADJ
ijtc-443	140	35	)	)	PUNCT
ijtc-443	140	36	making	make	VERB
ijtc-443	140	37	it	it	PRON
ijtc-443	140	38	more	more	ADV
ijtc-443	140	39	straightforward	straightforward	ADJ
ijtc-443	140	40	for	for	SCONJ
ijtc-443	140	41	drivers	driver	NOUN
ijtc-443	140	42	to	to	PART
ijtc-443	140	43	cross	cross	VERB
ijtc-443	140	44	the	the	DET
ijtc-443	140	45	automatic	automatic	ADJ
ijtc-443	140	46	toll	toll	NOUN
ijtc-443	140	47	gate	gate	NOUN
ijtc-443	140	48	(	(	PUNCT
ijtc-443	140	49	gto	gto	PROPN
ijtc-443	140	50	)	)	PUNCT
ijtc-443	140	51	set	set	VERB
ijtc-443	140	52	apart	apart	ADV
ijtc-443	140	53	with	with	ADP
ijtc-443	140	54	an	an	DET
ijtc-443	140	55	etollpass	etollpass	NOUN
ijtc-443	140	56	at	at	ADP
ijtc-443	140	57	a	a	DET
ijtc-443	140	58	speed	speed	NOUN
ijtc-443	140	59	of	of	ADP
ijtc-443	140	60	10	10	NUM
ijtc-443	140	61	km/	km/	NOUN
ijtc-443	140	62	hour	hour	NOUN
ijtc-443	140	63	without	without	ADP
ijtc-443	140	64	expecting	expect	VERB
ijtc-443	140	65	to	to	PART
ijtc-443	140	66	pause	pause	VERB
ijtc-443	140	67	and	and	CCONJ
ijtc-443	140	68	open	open	VERB
ijtc-443	140	69	the	the	DET
ijtc-443	140	70	vehicle	vehicle	NOUN
ijtc-443	140	71	window	window	NOUN
ijtc-443	140	72	.	.	PUNCT
ijtc-443	141	1	not	not	PART
ijtc-443	141	2	just	just	ADV
ijtc-443	141	3	on	on	ADP
ijtc-443	141	4	expressways	expressway	NOUN
ijtc-443	141	5	,	,	PUNCT
ijtc-443	141	6	presently	presently	ADV
ijtc-443	141	7	transjakarta	transjakarta	VERB
ijtc-443	141	8	clients	client	NOUN
ijtc-443	141	9	are	be	AUX
ijtc-443	141	10	likewise	likewise	ADV
ijtc-443	141	11	expected	expect	VERB
ijtc-443	141	12	to	to	PART
ijtc-443	141	13	utilize	utilize	VERB
ijtc-443	141	14	e	e	NOUN
ijtc-443	141	15	-	-	NOUN
ijtc-443	141	16	money	money	NOUN
ijtc-443	141	17	.	.	PUNCT
ijtc-443	142	1	this	this	PRON
ijtc-443	142	2	is	be	AUX
ijtc-443	142	3	as	as	ADP
ijtc-443	142	4	per	per	ADP
ijtc-443	142	5	the	the	DET
ijtc-443	142	6	impression	impression	NOUN
ijtc-443	142	7	of	of	ADP
ijtc-443	142	8	public	public	ADJ
ijtc-443	142	9	administrations	administration	NOUN
ijtc-443	142	10	that	that	PRON
ijtc-443	142	11	follow	follow	VERB
ijtc-443	142	12	innovative	innovative	ADJ
ijtc-443	142	13	turns	turn	NOUN
ijtc-443	142	14	of	of	ADP
ijtc-443	142	15	events	event	NOUN
ijtc-443	142	16	.	.	PUNCT
ijtc-443	143	1	this	this	DET
ijtc-443	143	2	required	require	VERB
ijtc-443	143	3	execution	execution	NOUN
ijtc-443	143	4	likewise	likewise	ADV
ijtc-443	143	5	affirms	affirm	VERB
ijtc-443	143	6	the	the	DET
ijtc-443	143	7	national	national	ADJ
ijtc-443	143	8	non	non	ADJ
ijtc-443	143	9	-	-	ADJ
ijtc-443	143	10	cash	cash	ADJ
ijtc-443	143	11	movement	movement	NOUN
ijtc-443	143	12	(	(	PUNCT
ijtc-443	143	13	gnnt	gnnt	NOUN
ijtc-443	143	14	)	)	PUNCT
ijtc-443	143	15	,	,	PUNCT
ijtc-443	143	16	which	which	PRON
ijtc-443	143	17	was	be	AUX
ijtc-443	143	18	sent	send	VERB
ijtc-443	143	19	off	off	ADP
ijtc-443	143	20	on	on	ADP
ijtc-443	143	21	august	august	PROPN
ijtc-443	143	22	14	14	NUM
ijtc-443	143	23	,	,	PUNCT
ijtc-443	143	24	2014	2014	NUM
ijtc-443	143	25	to	to	PART
ijtc-443	143	26	carry	carry	VERB
ijtc-443	143	27	indonesia	indonesia	PROPN
ijtc-443	143	28	into	into	ADP
ijtc-443	143	29	the	the	DET
ijtc-443	143	30	time	time	NOUN
ijtc-443	143	31	of	of	ADP
ijtc-443	143	32	a	a	DET
ijtc-443	143	33	credit	credit	NOUN
ijtc-443	143	34	only	only	ADV
ijtc-443	143	35	economy	economy	NOUN
ijtc-443	143	36	.	.	PUNCT
ijtc-443	144	1	the	the	DET
ijtc-443	144	2	term	term	NOUN
ijtc-443	144	3	thick	thick	ADJ
ijtc-443	144	4	wallet	wallet	NOUN
ijtc-443	144	5	that	that	PRON
ijtc-443	144	6	feels	feel	VERB
ijtc-443	144	7	awkward	awkward	ADJ
ijtc-443	144	8	will	will	AUX
ijtc-443	144	9	be	be	AUX
ijtc-443	144	10	supplanted	supplant	VERB
ijtc-443	144	11	by	by	ADP
ijtc-443	144	12	one	one	NUM
ijtc-443	144	13	card	card	NOUN
ijtc-443	144	14	,	,	PUNCT
ijtc-443	144	15	specifically	specifically	ADV
ijtc-443	144	16	,	,	PUNCT
ijtc-443	144	17	e	e	NOUN
ijtc-443	144	18	-	-	NOUN
ijtc-443	144	19	money	money	NOUN
ijtc-443	144	20	.	.	PUNCT
ijtc-443	145	1	notwithstanding	notwithstanding	SCONJ
ijtc-443	145	2	the	the	DET
ijtc-443	145	3	reasonableness	reasonableness	NOUN
ijtc-443	145	4	got	get	VERB
ijtc-443	145	5	,	,	PUNCT
ijtc-443	145	6	the	the	DET
ijtc-443	145	7	utilization	utilization	NOUN
ijtc-443	145	8	of	of	ADP
ijtc-443	145	9	e	e	NOUN
ijtc-443	145	10	-	-	NOUN
ijtc-443	145	11	cash	cash	NOUN
ijtc-443	145	12	can	can	AUX
ijtc-443	145	13	likewise	likewise	ADV
ijtc-443	145	14	limit	limit	VERB
ijtc-443	145	15	the	the	DET
ijtc-443	145	16	wrongdoing	wrongdoing	NOUN
ijtc-443	145	17	of	of	ADP
ijtc-443	145	18	circling	circle	VERB
ijtc-443	145	19	fake	fake	ADJ
ijtc-443	145	20	cash	cash	NOUN
ijtc-443	145	21	.	.	PUNCT
ijtc-443	146	1	a	a	DET
ijtc-443	146	2	bank	bank	NOUN
ijtc-443	146	3	indonesia	indonesia	PROPN
ijtc-443	146	4	study	study	VERB
ijtc-443	146	5	with	with	ADP
ijtc-443	146	6	respect	respect	NOUN
ijtc-443	146	7	to	to	ADP
ijtc-443	146	8	the	the	DET
ijtc-443	146	9	burden	burden	NOUN
ijtc-443	146	10	of	of	ADP
ijtc-443	146	11	a	a	DET
ijtc-443	146	12	charge	charge	NOUN
ijtc-443	146	13	for	for	ADP
ijtc-443	146	14	top	top	ADJ
ijtc-443	146	15	-	-	PUNCT
ijtc-443	146	16	up	up	ADP
ijtc-443	146	17	e	e	NOUN
ijtc-443	146	18	-	-	NOUN
ijtc-443	146	19	cash	cash	NOUN
ijtc-443	146	20	of	of	ADP
ijtc-443	146	21	around	around	ADP
ijtc-443	146	22	rp	rp	NOUN
ijtc-443	146	23	.	.	PROPN
ijtc-443	146	24	1.500	1.500	NUM
ijtc-443	146	25	to	to	ADP
ijtc-443	146	26	rp	rp	NOUN
ijtc-443	146	27	.	.	PROPN
ijtc-443	146	28	2.000	2.000	NUM
ijtc-443	146	29	for	for	ADP
ijtc-443	146	30	a	a	DET
ijtc-443	146	31	solitary	solitary	ADJ
ijtc-443	146	32	charge	charge	NOUN
ijtc-443	146	33	,	,	PUNCT
ijtc-443	146	34	was	be	AUX
ijtc-443	146	35	at	at	ADP
ijtc-443	146	36	long	long	ADV
ijtc-443	146	37	last	last	ADV
ijtc-443	146	38	dropped	drop	VERB
ijtc-443	146	39	and	and	CCONJ
ijtc-443	146	40	gotten	get	VERB
ijtc-443	146	41	a	a	DET
ijtc-443	146	42	positive	positive	ADJ
ijtc-443	146	43	reaction	reaction	NOUN
ijtc-443	146	44	from	from	ADP
ijtc-443	146	45	general	general	ADJ
ijtc-443	146	46	society	society	NOUN
ijtc-443	146	47	,	,	PUNCT
ijtc-443	146	48	particularly	particularly	ADV
ijtc-443	146	49	e	e	NOUN
ijtc-443	146	50	-	-	ADJ
ijtc-443	146	51	cash	cash	ADJ
ijtc-443	146	52	clients	client	NOUN
ijtc-443	146	53	.	.	PUNCT
ijtc-443	147	1	looking	look	VERB
ijtc-443	147	2	at	at	ADP
ijtc-443	147	3	certain	certain	ADJ
ijtc-443	147	4	instances	instance	NOUN
ijtc-443	147	5	of	of	ADP
ijtc-443	147	6	the	the	DET
ijtc-443	147	7	utilization	utilization	NOUN
ijtc-443	147	8	of	of	ADP
ijtc-443	147	9	e	e	NOUN
ijtc-443	147	10	-	-	NOUN
ijtc-443	147	11	cash	cash	NOUN
ijtc-443	147	12	in	in	ADP
ijtc-443	147	13	different	different	ADJ
ijtc-443	147	14	nations	nation	NOUN
ijtc-443	147	15	like	like	ADP
ijtc-443	147	16	suica	suica	PROPN
ijtc-443	147	17	in	in	ADP
ijtc-443	147	18	japan	japan	PROPN
ijtc-443	147	19	,	,	PUNCT
ijtc-443	147	20	oyster	oyster	NOUN
ijtc-443	147	21	card	card	NOUN
ijtc-443	147	22	in	in	ADP
ijtc-443	147	23	england	england	PROPN
ijtc-443	147	24	,	,	PUNCT
ijtc-443	147	25	and	and	CCONJ
ijtc-443	147	26	octopus	octopus	NOUN
ijtc-443	147	27	card	card	NOUN
ijtc-443	147	28	in	in	ADP
ijtc-443	147	29	hong	hong	PROPN
ijtc-443	147	30	kong	kong	PROPN
ijtc-443	147	31	,	,	PUNCT
ijtc-443	147	32	there	there	PRON
ijtc-443	147	33	is	be	VERB
ijtc-443	147	34	no	no	DET
ijtc-443	147	35	energize	energize	NOUN
ijtc-443	147	36	for	for	ADP
ijtc-443	147	37	top	top	NOUN
ijtc-443	147	38	.	.	PUNCT
ijtc-443	148	1	since	since	SCONJ
ijtc-443	148	2	e	e	NOUN
ijtc-443	148	3	-	-	NOUN
ijtc-443	148	4	cash	cash	NOUN
ijtc-443	148	5	ca	can	AUX
ijtc-443	148	6	n't	not	PART
ijtc-443	148	7	be	be	AUX
ijtc-443	148	8	obstructed	obstruct	VERB
ijtc-443	148	9	,	,	PUNCT
ijtc-443	148	10	it	it	PRON
ijtc-443	148	11	is	be	AUX
ijtc-443	148	12	something	something	PRON
ijtc-443	148	13	similar	similar	ADJ
ijtc-443	148	14	with	with	ADP
ijtc-443	148	15	cash	cash	NOUN
ijtc-443	148	16	,	,	PUNCT
ijtc-443	148	17	if	if	SCONJ
ijtc-443	148	18	this	this	DET
ijtc-443	148	19	e	e	NOUN
ijtc-443	148	20	-	-	NOUN
ijtc-443	148	21	money	money	NOUN
ijtc-443	148	22	is	be	AUX
ijtc-443	148	23	lost	lose	VERB
ijtc-443	148	24	,	,	PUNCT
ijtc-443	148	25	the	the	DET
ijtc-443	148	26	ostensible	ostensible	ADJ
ijtc-443	148	27	measure	measure	NOUN
ijtc-443	148	28	of	of	ADP
ijtc-443	148	29	our	our	PRON
ijtc-443	148	30	equilibrium	equilibrium	NOUN
ijtc-443	148	31	in	in	ADP
ijtc-443	148	32	it	it	PRON
ijtc-443	148	33	is	be	AUX
ijtc-443	148	34	additionally	additionally	ADV
ijtc-443	148	35	lost	lose	VERB
ijtc-443	148	36	.	.	PUNCT
ijtc-443	149	1	so	so	ADV
ijtc-443	149	2	it	it	PRON
ijtc-443	149	3	would	would	AUX
ijtc-443	149	4	be	be	AUX
ijtc-443	149	5	better	well	ADJ
ijtc-443	149	6	not	not	PART
ijtc-443	149	7	to	to	PART
ijtc-443	149	8	fill	fill	VERB
ijtc-443	149	9	in	in	ADP
ijtc-443	149	10	an	an	DET
ijtc-443	149	11	excessive	excessive	ADJ
ijtc-443	149	12	amount	amount	NOUN
ijtc-443	149	13	of	of	ADP
ijtc-443	149	14	equilibrium	equilibrium	NOUN
ijtc-443	149	15	in	in	ADP
ijtc-443	149	16	e	e	NOUN
ijtc-443	149	17	-	-	NOUN
ijtc-443	149	18	money	money	NOUN
ijtc-443	149	19	.	.	PUNCT
ijtc-443	150	1	another	another	DET
ijtc-443	150	2	disadvantage	disadvantage	NOUN
ijtc-443	150	3	that	that	PRON
ijtc-443	150	4	may	may	AUX
ijtc-443	150	5	in	in	ADP
ijtc-443	150	6	any	any	DET
ijtc-443	150	7	case	case	NOUN
ijtc-443	150	8	should	should	AUX
ijtc-443	150	9	be	be	AUX
ijtc-443	150	10	improved	improve	VERB
ijtc-443	150	11	is	be	AUX
ijtc-443	150	12	the	the	DET
ijtc-443	150	13	accommodation	accommodation	NOUN
ijtc-443	150	14	of	of	ADP
ijtc-443	150	15	top	top	ADJ
ijtc-443	150	16	-	-	PUNCT
ijtc-443	150	17	up	up	NOUN
ijtc-443	150	18	,	,	PUNCT
ijtc-443	150	19	which	which	PRON
ijtc-443	150	20	should	should	AUX
ijtc-443	150	21	be	be	AUX
ijtc-443	150	22	possible	possible	ADJ
ijtc-443	150	23	by	by	ADP
ijtc-443	150	24	means	mean	NOUN
ijtc-443	150	25	of	of	ADP
ijtc-443	150	26	cellphone	cellphone	NOUN
ijtc-443	150	27	,	,	PUNCT
ijtc-443	150	28	so	so	SCONJ
ijtc-443	150	29	you	you	PRON
ijtc-443	150	30	do	do	AUX
ijtc-443	150	31	n't	not	PART
ijtc-443	150	32	need	need	VERB
ijtc-443	150	33	to	to	PART
ijtc-443	150	34	go	go	VERB
ijtc-443	150	35	searching	search	VERB
ijtc-443	150	36	for	for	ADP
ijtc-443	150	37	the	the	DET
ijtc-443	150	38	closest	close	ADJ
ijtc-443	150	39	atm	atm	NOUN
ijtc-443	150	40	or	or	CCONJ
ijtc-443	150	41	minimarket	minimarket	NOUN
ijtc-443	150	42	,	,	PUNCT
ijtc-443	150	43	particularly	particularly	ADV
ijtc-443	150	44	when	when	SCONJ
ijtc-443	150	45	you	you	PRON
ijtc-443	150	46	're	be	AUX
ijtc-443	150	47	on	on	ADP
ijtc-443	150	48	an	an	DET
ijtc-443	150	49	expressway	expressway	NOUN
ijtc-443	150	50	.	.	PUNCT
ijtc-443	151	1	as	as	ADP
ijtc-443	151	2	the	the	DET
ijtc-443	151	3	"	"	PUNCT
ijtc-443	151	4	current	current	ADJ
ijtc-443	151	5	"	"	PUNCT
ijtc-443	151	6	age	age	NOUN
ijtc-443	151	7	,	,	PUNCT
ijtc-443	151	8	we	we	PRON
ijtc-443	151	9	should	should	AUX
ijtc-443	151	10	move	move	VERB
ijtc-443	151	11	this	this	DET
ijtc-443	151	12	electronic	electronic	ADJ
ijtc-443	151	13	installment	installment	NOUN
ijtc-443	151	14	framework	framework	NOUN
ijtc-443	151	15	together	together	ADV
ijtc-443	151	16	by	by	ADP
ijtc-443	151	17	changing	change	VERB
ijtc-443	151	18	to	to	ADP
ijtc-443	151	19	e	e	NOUN
ijtc-443	151	20	-	-	NOUN
ijtc-443	151	21	money	money	NOUN
ijtc-443	151	22	with	with	ADP
ijtc-443	151	23	the	the	DET
ijtc-443	151	24	goal	goal	NOUN
ijtc-443	151	25	that	that	PRON
ijtc-443	151	26	the	the	DET
ijtc-443	151	27	acknowledgment	acknowledgment	NOUN
ijtc-443	151	28	of	of	ADP
ijtc-443	151	29	a	a	DET
ijtc-443	151	30	cashless	cashless	NOUN
ijtc-443	151	31	society	society	NOUN
ijtc-443	151	32	in	in	ADP
ijtc-443	151	33	indonesia	indonesia	PROPN
ijtc-443	151	34	will	will	AUX
ijtc-443	151	35	be	be	AUX
ijtc-443	151	36	quicker	quick	ADJ
ijtc-443	151	37	for	for	ADP
ijtc-443	151	38	common	common	ADJ
ijtc-443	151	39	advancement	advancement	NOUN
ijtc-443	151	40	.	.	PUNCT
ijtc-443	152	1	computerized	computerized	ADJ
ijtc-443	152	2	money	money	NOUN
ijtc-443	152	3	,	,	PUNCT
ijtc-443	152	4	future	future	ADJ
ijtc-443	152	5	money	money	NOUN
ijtc-443	152	6	(	(	PUNCT
ijtc-443	152	7	pathak	pathak	PROPN
ijtc-443	152	8	,	,	PUNCT
ijtc-443	152	9	2017	2017	NUM
ijtc-443	152	10	)	)	PUNCT
ijtc-443	152	11	.	.	PUNCT
ijtc-443	153	1	dgt	dgt	PROPN
ijtc-443	153	2	likewise	likewise	ADV
ijtc-443	153	3	surveys	survey	VERB
ijtc-443	153	4	the	the	DET
ijtc-443	153	5	possible	possible	ADJ
ijtc-443	153	6	income	income	NOUN
ijtc-443	153	7	from	from	ADP
ijtc-443	153	8	the	the	DET
ijtc-443	153	9	financial	financial	ADJ
ijtc-443	153	10	technology	technology	NOUN
ijtc-443	153	11	industry	industry	NOUN
ijtc-443	153	12	,	,	PUNCT
ijtc-443	153	13	yet	yet	CCONJ
ijtc-443	153	14	there	there	PRON
ijtc-443	153	15	are	be	VERB
ijtc-443	153	16	still	still	ADV
ijtc-443	153	17	hindrances	hindrance	NOUN
ijtc-443	153	18	to	to	ADP
ijtc-443	153	19	getting	get	VERB
ijtc-443	153	20	charges	charge	NOUN
ijtc-443	153	21	,	,	PUNCT
ijtc-443	153	22	in	in	ADP
ijtc-443	153	23	particular	particular	ADJ
ijtc-443	153	24	:	:	PUNCT
ijtc-443	153	25	first	first	ADJ
ijtc-443	153	26	,	,	PUNCT
ijtc-443	153	27	government	government	NOUN
ijtc-443	153	28	mediation	mediation	NOUN
ijtc-443	153	29	to	to	PART
ijtc-443	153	30	decide	decide	VERB
ijtc-443	153	31	charges	charge	NOUN
ijtc-443	153	32	,	,	PUNCT
ijtc-443	153	33	for	for	ADP
ijtc-443	153	34	this	this	DET
ijtc-443	153	35	situation	situation	NOUN
ijtc-443	153	36	it	it	PRON
ijtc-443	153	37	is	be	AUX
ijtc-443	153	38	remembered	remember	VERB
ijtc-443	153	39	for	for	ADP
ijtc-443	153	40	money	money	NOUN
ijtc-443	153	41	,	,	PUNCT
ijtc-443	153	42	yet	yet	CCONJ
ijtc-443	153	43	the	the	DET
ijtc-443	153	44	guidelines	guideline	NOUN
ijtc-443	153	45	have	have	AUX
ijtc-443	153	46	not	not	PART
ijtc-443	153	47	been	be	AUX
ijtc-443	153	48	figured	figure	VERB
ijtc-443	153	49	out	out	ADP
ijtc-443	153	50	.	.	PUNCT
ijtc-443	154	1	second	second	ADV
ijtc-443	154	2	,	,	PUNCT
ijtc-443	154	3	the	the	DET
ijtc-443	154	4	public	public	ADJ
ijtc-443	154	5	authority	authority	NOUN
ijtc-443	154	6	should	should	AUX
ijtc-443	154	7	likewise	likewise	ADV
ijtc-443	154	8	guarantee	guarantee	VERB
ijtc-443	154	9	that	that	SCONJ
ijtc-443	154	10	fintech	fintech	NOUN
ijtc-443	154	11	registers	register	NOUN
ijtc-443	154	12	locally	locally	ADV
ijtc-443	154	13	,	,	PUNCT
ijtc-443	154	14	in	in	ADP
ijtc-443	154	15	light	light	NOUN
ijtc-443	154	16	of	of	ADP
ijtc-443	154	17	the	the	DET
ijtc-443	154	18	fact	fact	NOUN
ijtc-443	154	19	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-443	154	20	finance	finance	NOUN
ijtc-443	154	21	technology	technology	NOUN
ijtc-443	154	22	innovation	innovation	NOUN
ijtc-443	154	23	in	in	ADP
ijtc-443	154	24	the	the	DET
ijtc-443	154	25	finance	finance	NOUN
ijtc-443	154	26	sector	sector	NOUN
ijtc-443	154	27	:	:	PUNCT
ijtc-443	154	28	the	the	DET
ijtc-443	154	29	role	role	NOUN
ijtc-443	154	30	of	of	ADP
ijtc-443	154	31	e	e	NOUN
ijtc-443	154	32	-	-	NOUN
ijtc-443	154	33	money	money	NOUN
ijtc-443	154	34	on	on	ADP
ijtc-443	154	35	increasing	increase	VERB
ijtc-443	154	36	tax	tax	NOUN
ijtc-443	154	37	revenue	revenue	NOUN
ijtc-443	154	38	kusyeni	kusyeni	NOUN
ijtc-443	154	39	,	,	PUNCT
ijtc-443	154	40	pandoyo	pandoyo	NOUN
ijtc-443	154	41	,	,	PUNCT
ijtc-443	154	42	kumala	kumala	NOUN
ijtc-443	154	43	,	,	PUNCT
ijtc-443	154	44	and	and	CCONJ
ijtc-443	154	45	sofyan	sofyan	PROPN
ijtc-443	154	46	.	.	PUNCT
ijtc-443	155	1	146	146	NUM
ijtc-443	155	2	|	|	ADV
ijtc-443	155	3	ilomata	ilomata	PROPN
ijtc-443	155	4	international	international	ADJ
ijtc-443	155	5	journal	journal	NOUN
ijtc-443	155	6	of	of	ADP
ijtc-443	155	7	tax	tax	PROPN
ijtc-443	155	8	&	&	CCONJ
ijtc-443	155	9	accounting	accounting	NOUN
ijtc-443	155	10	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-443	155	11	that	that	SCONJ
ijtc-443	155	12	there	there	PRON
ijtc-443	155	13	are	be	VERB
ijtc-443	155	14	no	no	DET
ijtc-443	155	15	organizations	organization	NOUN
ijtc-443	155	16	that	that	PRON
ijtc-443	155	17	start	start	VERB
ijtc-443	155	18	fintech	fintech	NOUN
ijtc-443	155	19	monetary	monetary	ADJ
ijtc-443	155	20	administrations	administration	NOUN
ijtc-443	155	21	from	from	ADP
ijtc-443	155	22	abroad	abroad	ADV
ijtc-443	155	23	.	.	PUNCT
ijtc-443	156	1	in	in	ADP
ijtc-443	156	2	the	the	DET
ijtc-443	156	3	financial	financial	ADJ
ijtc-443	156	4	services	service	NOUN
ijtc-443	156	5	authorization	authorization	NOUN
ijtc-443	156	6	(	(	PUNCT
ijtc-443	156	7	ojk	ojk	NOUN
ijtc-443	156	8	)	)	PUNCT
ijtc-443	156	9	number	number	NOUN
ijtc-443	156	10	77	77	NUM
ijtc-443	156	11	of	of	ADP
ijtc-443	156	12	2016	2016	NUM
ijtc-443	156	13	that	that	PRON
ijtc-443	156	14	unfamiliar	unfamiliar	ADJ
ijtc-443	156	15	organizations	organization	NOUN
ijtc-443	156	16	can	can	AUX
ijtc-443	156	17	enlist	enlist	VERB
ijtc-443	156	18	their	their	PRON
ijtc-443	156	19	organizations	organization	NOUN
ijtc-443	156	20	with	with	ADP
ijtc-443	156	21	the	the	DET
ijtc-443	156	22	ojk	ojk	NOUN
ijtc-443	156	23	,	,	PUNCT
ijtc-443	156	24	article	article	NOUN
ijtc-443	156	25	3	3	NUM
ijtc-443	156	26	expresses	express	VERB
ijtc-443	156	27	that	that	SCONJ
ijtc-443	156	28	unfamiliar	unfamiliar	ADJ
ijtc-443	156	29	administrators	administrator	NOUN
ijtc-443	156	30	or	or	CCONJ
ijtc-443	156	31	lawful	lawful	ADJ
ijtc-443	156	32	elements	element	NOUN
ijtc-443	156	33	have	have	VERB
ijtc-443	156	34	a	a	DET
ijtc-443	156	35	limit	limit	NOUN
ijtc-443	156	36	of	of	ADP
ijtc-443	156	37	85	85	NUM
ijtc-443	156	38	%	%	NOUN
ijtc-443	156	39	of	of	ADP
ijtc-443	156	40	organization	organization	NOUN
ijtc-443	156	41	shares	share	NOUN
ijtc-443	156	42	(	(	PUNCT
ijtc-443	156	43	shabbir	shabbir	NOUN
ijtc-443	156	44	&	&	CCONJ
ijtc-443	156	45	wisdom	wisdom	NOUN
ijtc-443	156	46	,	,	PUNCT
ijtc-443	156	47	2020	2020	NUM
ijtc-443	156	48	)	)	PUNCT
ijtc-443	156	49	.	.	PUNCT
ijtc-443	157	1	nonetheless	nonetheless	ADV
ijtc-443	157	2	,	,	PUNCT
ijtc-443	157	3	there	there	PRON
ijtc-443	157	4	are	be	VERB
ijtc-443	157	5	as	as	ADV
ijtc-443	157	6	yet	yet	ADV
ijtc-443	157	7	numerous	numerous	ADJ
ijtc-443	157	8	deterrents	deterrent	NOUN
ijtc-443	157	9	looked	look	VERB
ijtc-443	157	10	by	by	ADP
ijtc-443	157	11	fintech	fintech	NOUN
ijtc-443	157	12	organizations	organization	NOUN
ijtc-443	157	13	in	in	ADP
ijtc-443	157	14	their	their	PRON
ijtc-443	157	15	assessment	assessment	NOUN
ijtc-443	157	16	assortment	assortment	NOUN
ijtc-443	157	17	guidelines	guideline	NOUN
ijtc-443	157	18	,	,	PUNCT
ijtc-443	157	19	there	there	PRON
ijtc-443	157	20	are	be	VERB
ijtc-443	157	21	a	a	DET
ijtc-443	157	22	few	few	ADJ
ijtc-443	157	23	obstructions	obstruction	NOUN
ijtc-443	157	24	like	like	ADP
ijtc-443	157	25	muddled	muddled	ADJ
ijtc-443	157	26	guidelines	guideline	NOUN
ijtc-443	157	27	that	that	PRON
ijtc-443	157	28	make	make	VERB
ijtc-443	157	29	fintechs	fintech	NOUN
ijtc-443	157	30	not	not	PART
ijtc-443	157	31	make	make	VERB
ijtc-443	157	32	good	good	ADJ
ijtc-443	157	33	on	on	ADP
ijtc-443	157	34	their	their	PRON
ijtc-443	157	35	expenses	expense	NOUN
ijtc-443	157	36	,	,	PUNCT
ijtc-443	157	37	for	for	ADP
ijtc-443	157	38	example	example	NOUN
ijtc-443	157	39	,	,	PUNCT
ijtc-443	157	40	guidelines	guideline	NOUN
ijtc-443	157	41	on	on	ADP
ijtc-443	157	42	gathering	gather	VERB
ijtc-443	157	43	business	business	NOUN
ijtc-443	157	44	results	result	NOUN
ijtc-443	157	45	for	for	ADP
ijtc-443	157	46	these	these	DET
ijtc-443	157	47	fintech	fintech	NOUN
ijtc-443	157	48	organizations	organization	NOUN
ijtc-443	157	49	,	,	PUNCT
ijtc-443	157	50	for	for	ADP
ijtc-443	157	51	the	the	DET
ijtc-443	157	52	time	time	NOUN
ijtc-443	157	53	being	be	AUX
ijtc-443	157	54	,	,	PUNCT
ijtc-443	157	55	fintech	fintech	NOUN
ijtc-443	157	56	-	-	PUNCT
ijtc-443	157	57	based	base	VERB
ijtc-443	157	58	organizations	organization	NOUN
ijtc-443	157	59	are	be	AUX
ijtc-443	157	60	as	as	ADP
ijtc-443	157	61	yet	yet	ADV
ijtc-443	157	62	utilizing	utilize	VERB
ijtc-443	157	63	the	the	DET
ijtc-443	157	64	arrangements	arrangement	NOUN
ijtc-443	157	65	of	of	ADP
ijtc-443	157	66	article	article	NOUN
ijtc-443	157	67	23	23	NUM
ijtc-443	157	68	income	income	NOUN
ijtc-443	157	69	tax	tax	NOUN
ijtc-443	157	70	with	with	ADP
ijtc-443	157	71	a	a	DET
ijtc-443	157	72	pace	pace	NOUN
ijtc-443	157	73	of	of	ADP
ijtc-443	157	74	2	2	NUM
ijtc-443	157	75	%	%	NOUN
ijtc-443	157	76	in	in	ADP
ijtc-443	157	77	light	light	NOUN
ijtc-443	157	78	of	of	ADP
ijtc-443	157	79	the	the	DET
ijtc-443	157	80	fact	fact	NOUN
ijtc-443	157	81	that	that	SCONJ
ijtc-443	157	82	there	there	PRON
ijtc-443	157	83	is	be	VERB
ijtc-443	157	84	no	no	DET
ijtc-443	157	85	extraordinary	extraordinary	ADJ
ijtc-443	157	86	guideline	guideline	NOUN
ijtc-443	157	87	to	to	PART
ijtc-443	157	88	direct	direct	VERB
ijtc-443	157	89	it	it	PRON
ijtc-443	157	90	.	.	PUNCT
ijtc-443	158	1	another	another	DET
ijtc-443	158	2	impediment	impediment	NOUN
ijtc-443	158	3	is	be	AUX
ijtc-443	158	4	that	that	SCONJ
ijtc-443	158	5	there	there	PRON
ijtc-443	158	6	are	be	VERB
ijtc-443	158	7	still	still	ADV
ijtc-443	158	8	errors	error	NOUN
ijtc-443	158	9	in	in	ADP
ijtc-443	158	10	finishing	finish	VERB
ijtc-443	158	11	up	up	ADP
ijtc-443	158	12	the	the	DET
ijtc-443	158	13	citizen	citizen	NOUN
ijtc-443	158	14	's	's	PART
ijtc-443	158	15	data	datum	NOUN
ijtc-443	158	16	(	(	PUNCT
ijtc-443	158	17	putri	putri	PROPN
ijtc-443	158	18	et	et	PROPN
ijtc-443	158	19	al	al	PROPN
ijtc-443	158	20	.	.	PROPN
ijtc-443	158	21	,	,	PUNCT
ijtc-443	158	22	2021	2021	NUM
ijtc-443	158	23	)	)	PUNCT
ijtc-443	158	24	.	.	PUNCT
ijtc-443	159	1	conclusion	conclusion	NOUN
ijtc-443	159	2	monetary	monetary	ADJ
ijtc-443	159	3	innovation	innovation	NOUN
ijtc-443	159	4	has	have	AUX
ijtc-443	159	5	moved	move	VERB
ijtc-443	159	6	the	the	DET
ijtc-443	159	7	worldview	worldview	NOUN
ijtc-443	159	8	of	of	ADP
ijtc-443	159	9	monetary	monetary	ADJ
ijtc-443	159	10	exchanges	exchange	NOUN
ijtc-443	159	11	and	and	CCONJ
ijtc-443	159	12	requests	request	NOUN
ijtc-443	159	13	quicker	quick	ADV
ijtc-443	159	14	and	and	CCONJ
ijtc-443	159	15	more	more	ADV
ijtc-443	159	16	versatile	versatile	ADJ
ijtc-443	159	17	administrative	administrative	ADJ
ijtc-443	159	18	changes	change	NOUN
ijtc-443	159	19	.	.	PUNCT
ijtc-443	160	1	fintech	fintech	NOUN
ijtc-443	160	2	is	be	AUX
ijtc-443	160	3	the	the	DET
ijtc-443	160	4	aftereffect	aftereffect	NOUN
ijtc-443	160	5	of	of	ADP
ijtc-443	160	6	a	a	DET
ijtc-443	160	7	blend	blend	NOUN
ijtc-443	160	8	of	of	ADP
ijtc-443	160	9	monetary	monetary	ADJ
ijtc-443	160	10	administrations	administration	NOUN
ijtc-443	160	11	and	and	CCONJ
ijtc-443	160	12	innovation	innovation	NOUN
ijtc-443	160	13	that	that	PRON
ijtc-443	160	14	eventually	eventually	ADV
ijtc-443	160	15	changes	change	VERB
ijtc-443	160	16	the	the	DET
ijtc-443	160	17	plan	plan	NOUN
ijtc-443	160	18	of	of	ADP
ijtc-443	160	19	action	action	NOUN
ijtc-443	160	20	from	from	ADP
ijtc-443	160	21	ordinary	ordinary	ADJ
ijtc-443	160	22	to	to	PART
ijtc-443	160	23	direct	direct	VERB
ijtc-443	160	24	,	,	PUNCT
ijtc-443	160	25	which	which	PRON
ijtc-443	160	26	at	at	ADP
ijtc-443	160	27	first	first	ADV
ijtc-443	160	28	pays	pay	VERB
ijtc-443	160	29	up	up	ADP
ijtc-443	160	30	close	close	ADV
ijtc-443	160	31	and	and	CCONJ
ijtc-443	160	32	personal	personal	ADJ
ijtc-443	160	33	and	and	CCONJ
ijtc-443	160	34	conveys	convey	VERB
ijtc-443	160	35	a	a	DET
ijtc-443	160	36	specific	specific	ADJ
ijtc-443	160	37	measure	measure	NOUN
ijtc-443	160	38	of	of	ADP
ijtc-443	160	39	money	money	NOUN
ijtc-443	160	40	,	,	PUNCT
ijtc-443	160	41	can	can	AUX
ijtc-443	160	42	now	now	ADV
ijtc-443	160	43	do	do	VERB
ijtc-443	160	44	significant	significant	ADJ
ijtc-443	160	45	distance	distance	NOUN
ijtc-443	160	46	exchanges	exchange	NOUN
ijtc-443	160	47	by	by	ADP
ijtc-443	160	48	creating	create	VERB
ijtc-443	160	49	installments	installment	NOUN
ijtc-443	160	50	that	that	PRON
ijtc-443	160	51	can	can	AUX
ijtc-443	160	52	be	be	AUX
ijtc-443	160	53	made	make	VERB
ijtc-443	160	54	in	in	ADP
ijtc-443	160	55	short	short	ADJ
ijtc-443	160	56	order	order	NOUN
ijtc-443	160	57	,	,	PUNCT
ijtc-443	160	58	fintech	fintech	NOUN
ijtc-443	160	59	in	in	ADP
ijtc-443	160	60	this	this	DET
ijtc-443	160	61	exceptionally	exceptionally	ADV
ijtc-443	160	62	evolved	evolved	ADJ
ijtc-443	160	63	period	period	NOUN
ijtc-443	160	64	,	,	PUNCT
ijtc-443	160	65	it	it	PRON
ijtc-443	160	66	very	very	ADV
ijtc-443	160	67	well	well	ADV
ijtc-443	160	68	may	may	AUX
ijtc-443	160	69	be	be	AUX
ijtc-443	160	70	seen	see	VERB
ijtc-443	160	71	from	from	ADP
ijtc-443	160	72	the	the	DET
ijtc-443	160	73	conversation	conversation	NOUN
ijtc-443	160	74	over	over	ADP
ijtc-443	160	75	that	that	SCONJ
ijtc-443	160	76	there	there	PRON
ijtc-443	160	77	is	be	VERB
ijtc-443	160	78	an	an	DET
ijtc-443	160	79	increment	increment	NOUN
ijtc-443	160	80	in	in	ADP
ijtc-443	160	81	fintech	fintech	NOUN
ijtc-443	160	82	clients	client	NOUN
ijtc-443	160	83	,	,	PUNCT
ijtc-443	160	84	one	one	NUM
ijtc-443	160	85	of	of	ADP
ijtc-443	160	86	which	which	PRON
ijtc-443	160	87	is	be	AUX
ijtc-443	160	88	p2p	p2p	NOUN
ijtc-443	160	89	loaning	loan	VERB
ijtc-443	160	90	.	.	PUNCT
ijtc-443	161	1	the	the	DET
ijtc-443	161	2	development	development	NOUN
ijtc-443	161	3	and	and	CCONJ
ijtc-443	161	4	greatness	greatness	NOUN
ijtc-443	161	5	of	of	ADP
ijtc-443	161	6	the	the	DET
ijtc-443	161	7	example	example	NOUN
ijtc-443	161	8	of	of	ADP
ijtc-443	161	9	p2p	p2p	NOUN
ijtc-443	161	10	loaning	loan	VERB
ijtc-443	161	11	monetary	monetary	ADJ
ijtc-443	161	12	exchanges	exchange	NOUN
ijtc-443	161	13	affects	affect	VERB
ijtc-443	161	14	charge	charge	NOUN
ijtc-443	161	15	incomes	income	NOUN
ijtc-443	161	16	,	,	PUNCT
ijtc-443	161	17	the	the	DET
ijtc-443	161	18	sythesis	sythesis	NOUN
ijtc-443	161	19	of	of	ADP
ijtc-443	161	20	the	the	DET
ijtc-443	161	21	tax	tax	NOUN
ijtc-443	161	22	collection	collection	NOUN
ijtc-443	161	23	area	area	NOUN
ijtc-443	161	24	,	,	PUNCT
ijtc-443	161	25	and	and	CCONJ
ijtc-443	161	26	the	the	DET
ijtc-443	161	27	development	development	NOUN
ijtc-443	161	28	of	of	ADP
ijtc-443	161	29	the	the	DET
ijtc-443	161	30	duty	duty	NOUN
ijtc-443	161	31	area	area	NOUN
ijtc-443	161	32	.	.	PUNCT
ijtc-443	162	1	the	the	DET
ijtc-443	162	2	public	public	ADJ
ijtc-443	162	3	authority	authority	NOUN
ijtc-443	162	4	as	as	SCONJ
ijtc-443	162	5	a	a	DET
ijtc-443	162	6	controller	controller	NOUN
ijtc-443	162	7	needs	need	VERB
ijtc-443	162	8	to	to	PART
ijtc-443	162	9	direct	direct	VERB
ijtc-443	162	10	extraordinary	extraordinary	ADJ
ijtc-443	162	11	tax	tax	NOUN
ijtc-443	162	12	assessment	assessment	NOUN
ijtc-443	162	13	guidelines	guideline	NOUN
ijtc-443	162	14	covering	cover	VERB
ijtc-443	162	15	tax	tax	NOUN
ijtc-443	162	16	assessment	assessment	NOUN
ijtc-443	162	17	perspectives	perspective	NOUN
ijtc-443	162	18	,	,	PUNCT
ijtc-443	162	19	specifically	specifically	ADV
ijtc-443	162	20	subjects	subject	NOUN
ijtc-443	162	21	,	,	PUNCT
ijtc-443	162	22	objects	object	NOUN
ijtc-443	162	23	,	,	PUNCT
ijtc-443	162	24	charge	charge	NOUN
ijtc-443	162	25	rates	rate	NOUN
ijtc-443	162	26	,	,	PUNCT
ijtc-443	162	27	assortment	assortment	NOUN
ijtc-443	162	28	instruments	instrument	NOUN
ijtc-443	162	29	and	and	CCONJ
ijtc-443	162	30	different	different	ADJ
ijtc-443	162	31	angles	angle	NOUN
ijtc-443	162	32	that	that	PRON
ijtc-443	162	33	are	be	AUX
ijtc-443	162	34	attributes	attribute	NOUN
ijtc-443	162	35	of	of	ADP
ijtc-443	162	36	the	the	DET
ijtc-443	162	37	p2p	p2p	NOUN
ijtc-443	162	38	loaning	loan	VERB
ijtc-443	162	39	business	business	NOUN
ijtc-443	162	40	.	.	PUNCT
ijtc-443	163	1	also	also	ADV
ijtc-443	163	2	there	there	PRON
ijtc-443	163	3	is	be	VERB
ijtc-443	163	4	no	no	DET
ijtc-443	163	5	duty	duty	NOUN
ijtc-443	163	6	guideline	guideline	NOUN
ijtc-443	163	7	that	that	PRON
ijtc-443	163	8	explicitly	explicitly	ADV
ijtc-443	163	9	controls	control	VERB
ijtc-443	163	10	the	the	DET
ijtc-443	163	11	p2p	p2p	NOUN
ijtc-443	163	12	loaning	loan	VERB
ijtc-443	163	13	industry	industry	NOUN
ijtc-443	163	14	which	which	PRON
ijtc-443	163	15	incorporates	incorporate	VERB
ijtc-443	163	16	subjects	subject	NOUN
ijtc-443	163	17	,	,	PUNCT
ijtc-443	163	18	objects	object	NOUN
ijtc-443	163	19	,	,	PUNCT
ijtc-443	163	20	charge	charge	NOUN
ijtc-443	163	21	rates	rate	NOUN
ijtc-443	163	22	,	,	PUNCT
ijtc-443	163	23	and	and	CCONJ
ijtc-443	163	24	assortment	assortment	NOUN
ijtc-443	163	25	instruments	instrument	NOUN
ijtc-443	163	26	(	(	PUNCT
ijtc-443	163	27	khuong	khuong	PROPN
ijtc-443	163	28	et	et	PROPN
ijtc-443	163	29	al	al	PROPN
ijtc-443	163	30	.	.	PROPN
ijtc-443	163	31	,	,	PUNCT
ijtc-443	163	32	2021	2021	NUM
ijtc-443	163	33	)	)	PUNCT
ijtc-443	163	34	.	.	PUNCT
ijtc-443	164	1	notwithstanding	notwithstanding	ADP
ijtc-443	164	2	,	,	PUNCT
ijtc-443	164	3	there	there	PRON
ijtc-443	164	4	are	be	VERB
ijtc-443	164	5	as	as	ADV
ijtc-443	164	6	yet	yet	ADV
ijtc-443	164	7	numerous	numerous	ADJ
ijtc-443	164	8	snags	snag	NOUN
ijtc-443	164	9	experienced	experience	VERB
ijtc-443	164	10	by	by	ADP
ijtc-443	164	11	fintech	fintech	NOUN
ijtc-443	164	12	organizations	organization	NOUN
ijtc-443	164	13	in	in	ADP
ijtc-443	164	14	their	their	PRON
ijtc-443	164	15	expense	expense	NOUN
ijtc-443	164	16	assortment	assortment	NOUN
ijtc-443	164	17	guidelines	guideline	NOUN
ijtc-443	164	18	,	,	PUNCT
ijtc-443	164	19	there	there	PRON
ijtc-443	164	20	are	be	VERB
ijtc-443	164	21	a	a	DET
ijtc-443	164	22	few	few	ADJ
ijtc-443	164	23	challenges	challenge	NOUN
ijtc-443	164	24	like	like	ADP
ijtc-443	164	25	hazy	hazy	ADJ
ijtc-443	164	26	guidelines	guideline	NOUN
ijtc-443	164	27	that	that	PRON
ijtc-443	164	28	make	make	VERB
ijtc-443	164	29	fintechs	fintech	NOUN
ijtc-443	164	30	not	not	PART
ijtc-443	164	31	settle	settle	VERB
ijtc-443	164	32	their	their	PRON
ijtc-443	164	33	duties	duty	NOUN
ijtc-443	164	34	,	,	PUNCT
ijtc-443	164	35	for	for	ADP
ijtc-443	164	36	example	example	NOUN
ijtc-443	164	37	,	,	PUNCT
ijtc-443	164	38	guidelines	guideline	NOUN
ijtc-443	164	39	on	on	ADP
ijtc-443	164	40	gathering	gather	VERB
ijtc-443	164	41	business	business	NOUN
ijtc-443	164	42	results	result	NOUN
ijtc-443	164	43	for	for	ADP
ijtc-443	164	44	these	these	DET
ijtc-443	164	45	fintech	fintech	NOUN
ijtc-443	164	46	organizations	organization	NOUN
ijtc-443	164	47	,	,	PUNCT
ijtc-443	164	48	for	for	ADP
ijtc-443	164	49	the	the	DET
ijtc-443	164	50	present	present	ADJ
ijtc-443	164	51	fintech	fintech	NOUN
ijtc-443	164	52	-	-	PUNCT
ijtc-443	164	53	based	base	VERB
ijtc-443	164	54	organizations	organization	NOUN
ijtc-443	164	55	actually	actually	ADV
ijtc-443	164	56	utilizing	utilize	VERB
ijtc-443	164	57	the	the	DET
ijtc-443	164	58	arrangements	arrangement	NOUN
ijtc-443	164	59	of	of	ADP
ijtc-443	164	60	article	article	NOUN
ijtc-443	164	61	23	23	NUM
ijtc-443	164	62	pph	pph	PROPN
ijtc-443	164	63	with	with	ADP
ijtc-443	164	64	a	a	DET
ijtc-443	164	65	pace	pace	NOUN
ijtc-443	164	66	of	of	ADP
ijtc-443	164	67	2	2	NUM
ijtc-443	164	68	%	%	NOUN
ijtc-443	164	69	on	on	ADP
ijtc-443	164	70	the	the	DET
ijtc-443	164	71	grounds	ground	NOUN
ijtc-443	164	72	that	that	SCONJ
ijtc-443	164	73	there	there	PRON
ijtc-443	164	74	is	be	VERB
ijtc-443	164	75	no	no	DET
ijtc-443	164	76	unique	unique	ADJ
ijtc-443	164	77	guideline	guideline	NOUN
ijtc-443	164	78	to	to	PART
ijtc-443	164	79	manage	manage	VERB
ijtc-443	164	80	it	it	PRON
ijtc-443	164	81	.	.	PUNCT
ijtc-443	165	1	another	another	DET
ijtc-443	165	2	deterrent	deterrent	NOUN
ijtc-443	165	3	is	be	AUX
ijtc-443	165	4	that	that	SCONJ
ijtc-443	165	5	there	there	PRON
ijtc-443	165	6	are	be	VERB
ijtc-443	165	7	still	still	ADV
ijtc-443	165	8	errors	error	NOUN
ijtc-443	165	9	in	in	ADP
ijtc-443	165	10	finishing	finish	VERB
ijtc-443	165	11	up	up	ADP
ijtc-443	165	12	the	the	DET
ijtc-443	165	13	sort	sort	NOUN
ijtc-443	165	14	of	of	ADP
ijtc-443	165	15	business	business	NOUN
ijtc-443	165	16	in	in	ADP
ijtc-443	165	17	the	the	DET
ijtc-443	165	18	oss	oss	NOUN
ijtc-443	165	19	application	application	NOUN
ijtc-443	165	20	which	which	PRON
ijtc-443	165	21	will	will	AUX
ijtc-443	165	22	later	later	ADV
ijtc-443	165	23	influence	influence	VERB
ijtc-443	165	24	the	the	DET
ijtc-443	165	25	assurance	assurance	NOUN
ijtc-443	165	26	or	or	CCONJ
ijtc-443	165	27	kind	kind	NOUN
ijtc-443	165	28	of	of	ADP
ijtc-443	165	29	business	business	NOUN
ijtc-443	165	30	recorded	record	VERB
ijtc-443	165	31	on	on	ADP
ijtc-443	165	32	the	the	DET
ijtc-443	165	33	data	datum	NOUN
ijtc-443	165	34	from	from	ADP
ijtc-443	165	35	the	the	DET
ijtc-443	165	36	citizen	citizen	NOUN
ijtc-443	165	37	.	.	PUNCT
ijtc-443	166	1	this	this	DET
ijtc-443	166	2	exploration	exploration	NOUN
ijtc-443	166	3	offers	offer	VERB
ijtc-443	166	4	help	help	NOUN
ijtc-443	166	5	for	for	ADP
ijtc-443	166	6	the	the	DET
ijtc-443	166	7	ideas	idea	NOUN
ijtc-443	166	8	of	of	ADP
ijtc-443	166	9	financial	financial	ADJ
ijtc-443	166	10	technology	technology	NOUN
ijtc-443	166	11	.	.	PUNCT
ijtc-443	167	1	while	while	SCONJ
ijtc-443	167	2	the	the	DET
ijtc-443	167	3	execution	execution	NOUN
ijtc-443	167	4	of	of	ADP
ijtc-443	167	5	this	this	DET
ijtc-443	167	6	hypothesis	hypothesis	NOUN
ijtc-443	167	7	has	have	AUX
ijtc-443	167	8	demonstrated	demonstrate	VERB
ijtc-443	167	9	to	to	PART
ijtc-443	167	10	be	be	AUX
ijtc-443	167	11	appropriate	appropriate	ADJ
ijtc-443	167	12	in	in	ADP
ijtc-443	167	13	expanding	expand	VERB
ijtc-443	167	14	state	state	NOUN
ijtc-443	167	15	income	income	NOUN
ijtc-443	167	16	,	,	PUNCT
ijtc-443	167	17	the	the	DET
ijtc-443	167	18	consequences	consequence	NOUN
ijtc-443	167	19	of	of	ADP
ijtc-443	167	20	this	this	DET
ijtc-443	167	21	examination	examination	NOUN
ijtc-443	167	22	add	add	VERB
ijtc-443	167	23	to	to	ADP
ijtc-443	167	24	giving	give	VERB
ijtc-443	167	25	extra	extra	ADJ
ijtc-443	167	26	arrangement	arrangement	NOUN
ijtc-443	167	27	in	in	ADP
ijtc-443	167	28	regards	regard	NOUN
ijtc-443	167	29	to	to	ADP
ijtc-443	167	30	financial	financial	ADJ
ijtc-443	167	31	technology	technology	NOUN
ijtc-443	167	32	.	.	PUNCT
ijtc-443	168	1	hypothetically	hypothetically	ADV
ijtc-443	168	2	,	,	PUNCT
ijtc-443	168	3	research	research	NOUN
ijtc-443	168	4	results	result	NOUN
ijtc-443	168	5	that	that	PRON
ijtc-443	168	6	demonstrate	demonstrate	VERB
ijtc-443	168	7	the	the	DET
ijtc-443	168	8	predominance	predominance	NOUN
ijtc-443	168	9	of	of	ADP
ijtc-443	168	10	financial	financial	ADJ
ijtc-443	168	11	technology	technology	NOUN
ijtc-443	168	12	can	can	AUX
ijtc-443	168	13	be	be	AUX
ijtc-443	168	14	information	information	NOUN
ijtc-443	168	15	and	and	CCONJ
ijtc-443	168	16	thought	think	VERB
ijtc-443	168	17	for	for	ADP
ijtc-443	168	18	the	the	DET
ijtc-443	168	19	controller	controller	NOUN
ijtc-443	168	20	as	as	ADP
ijtc-443	168	21	a	a	DET
ijtc-443	168	22	material	material	NOUN
ijtc-443	168	23	thought	think	VERB
ijtc-443	168	24	in	in	ADP
ijtc-443	168	25	making	make	VERB
ijtc-443	168	26	guidelines	guideline	NOUN
ijtc-443	168	27	.	.	PUNCT
ijtc-443	169	1	reference	reference	NOUN
ijtc-443	169	2	adeyemo	adeyemo	PROPN
ijtc-443	169	3	,	,	PUNCT
ijtc-443	169	4	k.	k.	PROPN
ijtc-443	169	5	a.	a.	PROPN
ijtc-443	169	6	,	,	PUNCT
ijtc-443	169	7	isiavwe	isiavwe	VERB
ijtc-443	169	8	,	,	PUNCT
ijtc-443	169	9	d.	d.	PROPN
ijtc-443	169	10	,	,	PUNCT
ijtc-443	169	11	adetula	adetula	PROPN
ijtc-443	169	12	,	,	PUNCT
ijtc-443	169	13	d.	d.	PROPN
ijtc-443	169	14	,	,	PUNCT
ijtc-443	169	15	olamide	olamide	ADV
ijtc-443	169	16	,	,	PUNCT
ijtc-443	169	17	o.	o.	NOUN
ijtc-443	169	18	,	,	PUNCT
ijtc-443	169	19	&	&	CCONJ
ijtc-443	169	20	folashade	folashade	ADJ
ijtc-443	169	21	,	,	PUNCT
ijtc-443	169	22	o.	o.	INTJ
ijtc-443	169	23	(	(	PUNCT
ijtc-443	169	24	2020	2020	NUM
ijtc-443	169	25	)	)	PUNCT
ijtc-443	169	26	.	.	PUNCT
ijtc-443	170	1	mandatory	mandatory	ADJ
ijtc-443	170	2	adoption	adoption	NOUN
ijtc-443	170	3	of	of	ADP
ijtc-443	170	4	the	the	DET
ijtc-443	170	5	central	central	ADJ
ijtc-443	170	6	bank	bank	PROPN
ijtc-443	170	7	of	of	ADP
ijtc-443	170	8	nigeria	nigeria	PROPN
ijtc-443	170	9	’s	’s	PART
ijtc-443	170	10	cashless	cashless	NOUN
ijtc-443	170	11	and	and	CCONJ
ijtc-443	170	12	e	e	NOUN
ijtc-443	170	13	-	-	NOUN
ijtc-443	170	14	payment	payment	NOUN
ijtc-443	170	15	policy	policy	NOUN
ijtc-443	170	16	:	:	PUNCT
ijtc-443	170	17	implications	implication	NOUN
ijtc-443	170	18	for	for	ADP
ijtc-443	170	19	bank	bank	NOUN
ijtc-443	170	20	customers	customer	NOUN
ijtc-443	170	21	.	.	PUNCT
ijtc-443	171	1	banks	bank	NOUN
ijtc-443	171	2	and	and	CCONJ
ijtc-443	171	3	bank	bank	NOUN
ijtc-443	171	4	systems	system	NOUN
ijtc-443	171	5	,	,	PUNCT
ijtc-443	171	6	15(2	15(2	NUM
ijtc-443	171	7	)	)	PUNCT
ijtc-443	171	8	,	,	PUNCT
ijtc-443	171	9	243–253	243–253	NUM
ijtc-443	171	10	.	.	PUNCT
ijtc-443	172	1	https://doi.org/10.21511/bbs.15(2).2020.21	https://doi.org/10.21511/bbs.15(2).2020.21	PROPN
ijtc-443	172	2	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-443	172	3	finance	finance	NOUN
ijtc-443	172	4	technology	technology	NOUN
ijtc-443	172	5	innovation	innovation	NOUN
ijtc-443	172	6	in	in	ADP
ijtc-443	172	7	the	the	DET
ijtc-443	172	8	finance	finance	NOUN
ijtc-443	172	9	sector	sector	NOUN
ijtc-443	172	10	:	:	PUNCT
ijtc-443	172	11	the	the	DET
ijtc-443	172	12	role	role	NOUN
ijtc-443	172	13	of	of	ADP
ijtc-443	172	14	e	e	NOUN
ijtc-443	172	15	-	-	NOUN
ijtc-443	172	16	money	money	NOUN
ijtc-443	172	17	on	on	ADP
ijtc-443	172	18	increasing	increase	VERB
ijtc-443	172	19	tax	tax	NOUN
ijtc-443	172	20	revenue	revenue	NOUN
ijtc-443	172	21	kusyeni	kusyeni	NOUN
ijtc-443	172	22	,	,	PUNCT
ijtc-443	172	23	pandoyo	pandoyo	NOUN
ijtc-443	172	24	,	,	PUNCT
ijtc-443	172	25	kumala	kumala	NOUN
ijtc-443	172	26	,	,	PUNCT
ijtc-443	172	27	and	and	CCONJ
ijtc-443	172	28	sofyan	sofyan	PROPN
ijtc-443	172	29	.	.	PUNCT
ijtc-443	173	1	147	147	NUM
ijtc-443	173	2	|	|	ADV
ijtc-443	173	3	ilomata	ilomata	PROPN
ijtc-443	173	4	international	international	ADJ
ijtc-443	173	5	journal	journal	NOUN
ijtc-443	173	6	of	of	ADP
ijtc-443	173	7	tax	tax	PROPN
ijtc-443	173	8	&	&	CCONJ
ijtc-443	173	9	accounting	accounting	PROPN
ijtc-443	173	10	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-443	173	11	ali	ali	PROPN
ijtc-443	173	12	,	,	PUNCT
ijtc-443	173	13	m.	m.	NOUN
ijtc-443	173	14	,	,	PUNCT
ijtc-443	173	15	hashmi	hashmi	PROPN
ijtc-443	173	16	,	,	PUNCT
ijtc-443	173	17	s.	s.	PROPN
ijtc-443	173	18	h.	h.	PROPN
ijtc-443	173	19	,	,	PUNCT
ijtc-443	173	20	nazir	nazir	PROPN
ijtc-443	173	21	,	,	PUNCT
ijtc-443	173	22	m.	m.	PROPN
ijtc-443	173	23	r.	r.	PROPN
ijtc-443	173	24	,	,	PUNCT
ijtc-443	173	25	bilal	bilal	PROPN
ijtc-443	173	26	,	,	PUNCT
ijtc-443	173	27	a.	a.	PROPN
ijtc-443	173	28	,	,	PUNCT
ijtc-443	173	29	&	&	CCONJ
ijtc-443	173	30	nazir	nazir	PROPN
ijtc-443	173	31	,	,	PUNCT
ijtc-443	173	32	m.	m.	NOUN
ijtc-443	173	33	i.	i.	PROPN
ijtc-443	173	34	(	(	PUNCT
ijtc-443	173	35	2021	2021	NUM
ijtc-443	173	36	)	)	PUNCT
ijtc-443	173	37	.	.	PUNCT
ijtc-443	174	1	does	do	AUX
ijtc-443	174	2	financial	financial	ADJ
ijtc-443	174	3	inclusion	inclusion	NOUN
ijtc-443	174	4	enhance	enhance	VERB
ijtc-443	174	5	economic	economic	ADJ
ijtc-443	174	6	growth	growth	NOUN
ijtc-443	174	7	?	?	PUNCT
ijtc-443	175	1	empirical	empirical	ADJ
ijtc-443	175	2	evidence	evidence	NOUN
ijtc-443	175	3	from	from	ADP
ijtc-443	175	4	the	the	DET
ijtc-443	175	5	isdb	isdb	ADJ
ijtc-443	175	6	member	member	NOUN
ijtc-443	175	7	countries	country	NOUN
ijtc-443	175	8	.	.	PUNCT
ijtc-443	176	1	international	international	ADJ
ijtc-443	176	2	journal	journal	PROPN
ijtc-443	176	3	of	of	ADP
ijtc-443	176	4	finance	finance	PROPN
ijtc-443	176	5	&	&	CCONJ
ijtc-443	176	6	economics	economic	NOUN
ijtc-443	176	7	,	,	PUNCT
ijtc-443	176	8	26(4	26(4	NUM
ijtc-443	176	9	)	)	PUNCT
ijtc-443	176	10	,	,	PUNCT
ijtc-443	176	11	5235–5258	5235–5258	NUM
ijtc-443	176	12	.	.	PUNCT
ijtc-443	176	13	https://doi.org/10.1002/ijfe.2063	https://doi.org/10.1002/ijfe.2063	PROPN
ijtc-443	176	14	aliyudin	aliyudin	PROPN
ijtc-443	176	15	,	,	PUNCT
ijtc-443	176	16	r.	r.	PROPN
ijtc-443	176	17	s.	s.	PROPN
ijtc-443	176	18	(	(	PUNCT
ijtc-443	176	19	2020	2020	NUM
ijtc-443	176	20	)	)	PUNCT
ijtc-443	176	21	.	.	PUNCT
ijtc-443	177	1	peran	peran	PROPN
ijtc-443	177	2	financial	financial	ADJ
ijtc-443	177	3	technology	technology	NOUN
ijtc-443	177	4	dalam	dalam	PROPN
ijtc-443	177	5	meningkatkan	meningkatkan	PROPN
ijtc-443	177	6	penerimaan	penerimaan	VERB
ijtc-443	177	7	pajak	pajak	PROPN
ijtc-443	177	8	di	di	PROPN
ijtc-443	177	9	indonesia	indonesia	PROPN
ijtc-443	177	10	.	.	PUNCT
ijtc-443	178	1	jurnal	jurnal	PROPN
ijtc-443	178	2	akuntansi	akuntansi	PROPN
ijtc-443	178	3	keuangan	keuangan	PROPN
ijtc-443	178	4	dan	dan	PROPN
ijtc-443	178	5	sistem	sistem	PROPN
ijtc-443	178	6	informasi	informasi	PROPN
ijtc-443	178	7	,	,	PUNCT
ijtc-443	178	8	1(1	1(1	NUM
ijtc-443	178	9	)	)	PUNCT
ijtc-443	178	10	,	,	PUNCT
ijtc-443	178	11	56–67	56–67	NUM
ijtc-443	178	12	.	.	PUNCT
ijtc-443	179	1	https://doi.org/https://doi.org/10.31949/j-aksi.v1i1.175	https://doi.org/https://doi.org/10.31949/j-aksi.v1i1.175	PROPN
ijtc-443	179	2	balakrishnan	balakrishnan	PROPN
ijtc-443	179	3	,	,	PUNCT
ijtc-443	179	4	v.	v.	PROPN
ijtc-443	179	5	,	,	PUNCT
ijtc-443	179	6	&	&	CCONJ
ijtc-443	179	7	shuib	shuib	PROPN
ijtc-443	179	8	,	,	PUNCT
ijtc-443	179	9	n.	n.	PROPN
ijtc-443	179	10	l.	l.	PROPN
ijtc-443	179	11	m.	m.	PROPN
ijtc-443	179	12	(	(	PUNCT
ijtc-443	179	13	2021	2021	NUM
ijtc-443	179	14	)	)	PUNCT
ijtc-443	179	15	.	.	PUNCT
ijtc-443	180	1	drivers	driver	NOUN
ijtc-443	180	2	and	and	CCONJ
ijtc-443	180	3	inhibitors	inhibitor	NOUN
ijtc-443	180	4	for	for	ADP
ijtc-443	180	5	digital	digital	ADJ
ijtc-443	180	6	payment	payment	NOUN
ijtc-443	180	7	adoption	adoption	NOUN
ijtc-443	180	8	using	use	VERB
ijtc-443	180	9	the	the	DET
ijtc-443	180	10	cashless	cashless	NOUN
ijtc-443	180	11	society	society	NOUN
ijtc-443	180	12	readiness	readiness	NOUN
ijtc-443	180	13	-	-	PUNCT
ijtc-443	180	14	adoption	adoption	NOUN
ijtc-443	180	15	model	model	NOUN
ijtc-443	180	16	in	in	ADP
ijtc-443	180	17	malaysia	malaysia	PROPN
ijtc-443	180	18	.	.	PUNCT
ijtc-443	181	1	technology	technology	NOUN
ijtc-443	181	2	in	in	ADP
ijtc-443	181	3	society	society	NOUN
ijtc-443	181	4	,	,	PUNCT
ijtc-443	181	5	65	65	NUM
ijtc-443	181	6	,	,	PUNCT
ijtc-443	181	7	101554	101554	NUM
ijtc-443	181	8	.	.	PUNCT
ijtc-443	182	1	https://doi.org/10.1016/j.techsoc.2021.101554	https://doi.org/10.1016/j.techsoc.2021.101554	PROPN
ijtc-443	182	2	ben	ben	PROPN
ijtc-443	182	3	lahouel	lahouel	PROPN
ijtc-443	182	4	,	,	PUNCT
ijtc-443	182	5	b.	b.	PROPN
ijtc-443	182	6	,	,	PUNCT
ijtc-443	182	7	ben	ben	PROPN
ijtc-443	182	8	zaied	zaie	VERB
ijtc-443	182	9	,	,	PUNCT
ijtc-443	182	10	y.	y.	PROPN
ijtc-443	182	11	,	,	PUNCT
ijtc-443	182	12	managi	managi	PROPN
ijtc-443	182	13	,	,	PUNCT
ijtc-443	182	14	s.	s.	PROPN
ijtc-443	182	15	,	,	PUNCT
ijtc-443	182	16	&	&	CCONJ
ijtc-443	182	17	taleb	taleb	PROPN
ijtc-443	182	18	,	,	PUNCT
ijtc-443	182	19	l.	l.	PROPN
ijtc-443	182	20	(	(	PUNCT
ijtc-443	182	21	2022	2022	NUM
ijtc-443	182	22	)	)	PUNCT
ijtc-443	182	23	.	.	PUNCT
ijtc-443	183	1	re	re	VERB
ijtc-443	183	2	-	-	VERB
ijtc-443	183	3	thinking	think	VERB
ijtc-443	183	4	about	about	ADP
ijtc-443	183	5	u	u	NOUN
ijtc-443	183	6	:	:	PUNCT
ijtc-443	183	7	the	the	DET
ijtc-443	183	8	relevance	relevance	NOUN
ijtc-443	183	9	of	of	ADP
ijtc-443	183	10	regime	regime	NOUN
ijtc-443	183	11	-	-	PUNCT
ijtc-443	183	12	switching	switch	VERB
ijtc-443	183	13	model	model	NOUN
ijtc-443	183	14	in	in	ADP
ijtc-443	183	15	the	the	DET
ijtc-443	183	16	relationship	relationship	NOUN
ijtc-443	183	17	between	between	ADP
ijtc-443	183	18	environmental	environmental	ADJ
ijtc-443	183	19	corporate	corporate	ADJ
ijtc-443	183	20	social	social	ADJ
ijtc-443	183	21	responsibility	responsibility	NOUN
ijtc-443	183	22	and	and	CCONJ
ijtc-443	183	23	financial	financial	ADJ
ijtc-443	183	24	performance	performance	NOUN
ijtc-443	183	25	.	.	PUNCT
ijtc-443	184	1	journal	journal	NOUN
ijtc-443	184	2	of	of	ADP
ijtc-443	184	3	business	business	NOUN
ijtc-443	184	4	research	research	NOUN
ijtc-443	184	5	,	,	PUNCT
ijtc-443	184	6	140	140	NUM
ijtc-443	184	7	,	,	PUNCT
ijtc-443	184	8	498–519	498–519	NUM
ijtc-443	184	9	.	.	PUNCT
ijtc-443	185	1	https://doi.org/10.1016/j.jbusres.2021.11.019	https://doi.org/10.1016/j.jbusres.2021.11.019	PROPN
ijtc-443	185	2	chen	chen	PROPN
ijtc-443	185	3	,	,	PUNCT
ijtc-443	185	4	x.	x.	PROPN
ijtc-443	185	5	,	,	PUNCT
ijtc-443	185	6	teng	teng	PROPN
ijtc-443	185	7	,	,	PUNCT
ijtc-443	185	8	l.	l.	PROPN
ijtc-443	185	9	,	,	PUNCT
ijtc-443	185	10	&	&	CCONJ
ijtc-443	185	11	chen	chen	PROPN
ijtc-443	185	12	,	,	PUNCT
ijtc-443	185	13	w.	w.	PROPN
ijtc-443	185	14	(	(	PUNCT
ijtc-443	185	15	2022	2022	NUM
ijtc-443	185	16	)	)	PUNCT
ijtc-443	185	17	.	.	PUNCT
ijtc-443	186	1	how	how	SCONJ
ijtc-443	186	2	does	do	AUX
ijtc-443	186	3	fintech	fintech	NOUN
ijtc-443	186	4	affect	affect	VERB
ijtc-443	186	5	the	the	DET
ijtc-443	186	6	development	development	NOUN
ijtc-443	186	7	of	of	ADP
ijtc-443	186	8	the	the	DET
ijtc-443	186	9	digital	digital	ADJ
ijtc-443	186	10	economy	economy	NOUN
ijtc-443	186	11	?	?	PUNCT
ijtc-443	187	1	evidence	evidence	NOUN
ijtc-443	187	2	from	from	ADP
ijtc-443	187	3	china	china	PROPN
ijtc-443	187	4	.	.	PUNCT
ijtc-443	188	1	the	the	DET
ijtc-443	188	2	north	north	ADJ
ijtc-443	188	3	american	american	PROPN
ijtc-443	188	4	journal	journal	PROPN
ijtc-443	188	5	of	of	ADP
ijtc-443	188	6	economics	economic	NOUN
ijtc-443	188	7	and	and	CCONJ
ijtc-443	188	8	finance	finance	NOUN
ijtc-443	188	9	,	,	PUNCT
ijtc-443	188	10	61	61	NUM
ijtc-443	188	11	,	,	PUNCT
ijtc-443	188	12	101697	101697	NUM
ijtc-443	188	13	.	.	PUNCT
ijtc-443	189	1	https://doi.org/10.1016/j.najef.2022.101697	https://doi.org/10.1016/j.najef.2022.101697	PROPN
ijtc-443	189	2	chen	chen	PROPN
ijtc-443	189	3	,	,	PUNCT
ijtc-443	189	4	y.	y.	PROPN
ijtc-443	189	5	,	,	PUNCT
ijtc-443	189	6	chiu	chiu	PROPN
ijtc-443	189	7	,	,	PUNCT
ijtc-443	189	8	j.	j.	PROPN
ijtc-443	189	9	,	,	PUNCT
ijtc-443	189	10	&	&	CCONJ
ijtc-443	189	11	chung	chung	PROPN
ijtc-443	189	12	,	,	PUNCT
ijtc-443	189	13	h.	h.	PROPN
ijtc-443	189	14	(	(	PUNCT
ijtc-443	189	15	2022	2022	NUM
ijtc-443	189	16	)	)	PUNCT
ijtc-443	189	17	.	.	PUNCT
ijtc-443	190	1	givers	giver	NOUN
ijtc-443	190	2	or	or	CCONJ
ijtc-443	190	3	receivers	receiver	NOUN
ijtc-443	190	4	?	?	PUNCT
ijtc-443	191	1	return	return	NOUN
ijtc-443	191	2	and	and	CCONJ
ijtc-443	191	3	volatility	volatility	NOUN
ijtc-443	191	4	spillovers	spillover	NOUN
ijtc-443	191	5	between	between	ADP
ijtc-443	191	6	fintech	fintech	NOUN
ijtc-443	191	7	and	and	CCONJ
ijtc-443	191	8	the	the	DET
ijtc-443	191	9	traditional	traditional	ADJ
ijtc-443	191	10	financial	financial	ADJ
ijtc-443	191	11	industry	industry	NOUN
ijtc-443	191	12	.	.	PUNCT
ijtc-443	192	1	finance	finance	NOUN
ijtc-443	192	2	research	research	NOUN
ijtc-443	192	3	letters	letter	NOUN
ijtc-443	192	4	,	,	PUNCT
ijtc-443	192	5	46	46	NUM
ijtc-443	192	6	,	,	PUNCT
ijtc-443	192	7	102458	102458	NUM
ijtc-443	192	8	.	.	PUNCT
ijtc-443	193	1	https://doi.org/10.1016/j.frl.2021.102458	https://doi.org/10.1016/j.frl.2021.102458	PROPN
ijtc-443	193	2	chuc	chuc	NOUN
ijtc-443	193	3	,	,	PUNCT
ijtc-443	193	4	a.	a.	NOUN
ijtc-443	193	5	t.	t.	PROPN
ijtc-443	193	6	,	,	PUNCT
ijtc-443	193	7	li	li	PROPN
ijtc-443	193	8	,	,	PUNCT
ijtc-443	193	9	w.	w.	PROPN
ijtc-443	193	10	,	,	PUNCT
ijtc-443	193	11	phi	phi	NOUN
ijtc-443	193	12	,	,	PUNCT
ijtc-443	193	13	n.	n.	NOUN
ijtc-443	193	14	t.	t.	NOUN
ijtc-443	193	15	m.	m.	NOUN
ijtc-443	193	16	,	,	PUNCT
ijtc-443	193	17	le	le	X
ijtc-443	193	18	,	,	PUNCT
ijtc-443	193	19	q.	q.	PROPN
ijtc-443	193	20	t.	t.	PROPN
ijtc-443	193	21	,	,	PUNCT
ijtc-443	193	22	yoshino	yoshino	PROPN
ijtc-443	193	23	,	,	PUNCT
ijtc-443	193	24	n.	n.	NOUN
ijtc-443	193	25	,	,	PUNCT
ijtc-443	193	26	&	&	CCONJ
ijtc-443	193	27	taghizadeh	taghizadeh	PROPN
ijtc-443	193	28	-	-	PUNCT
ijtc-443	193	29	hesary	hesary	PROPN
ijtc-443	193	30	,	,	PUNCT
ijtc-443	193	31	f.	f.	PROPN
ijtc-443	193	32	(	(	PUNCT
ijtc-443	193	33	2022	2022	NUM
ijtc-443	193	34	)	)	PUNCT
ijtc-443	193	35	.	.	PUNCT
ijtc-443	194	1	the	the	DET
ijtc-443	194	2	necessity	necessity	NOUN
ijtc-443	194	3	of	of	ADP
ijtc-443	194	4	financial	financial	ADJ
ijtc-443	194	5	inclusion	inclusion	NOUN
ijtc-443	194	6	for	for	ADP
ijtc-443	194	7	enhancing	enhance	VERB
ijtc-443	194	8	the	the	DET
ijtc-443	194	9	economic	economic	ADJ
ijtc-443	194	10	impacts	impact	NOUN
ijtc-443	194	11	of	of	ADP
ijtc-443	194	12	remittances	remittance	NOUN
ijtc-443	194	13	.	.	PUNCT
ijtc-443	195	1	borsa	borsa	PROPN
ijtc-443	195	2	istanbul	istanbul	PROPN
ijtc-443	195	3	review	review	PROPN
ijtc-443	195	4	,	,	PUNCT
ijtc-443	195	5	22(1	22(1	NUM
ijtc-443	195	6	)	)	PUNCT
ijtc-443	195	7	,	,	PUNCT
ijtc-443	195	8	47–56	47–56	NUM
ijtc-443	195	9	.	.	PUNCT
ijtc-443	196	1	https://doi.org/10.1016/j.bir.2020.12.007	https://doi.org/10.1016/j.bir.2020.12.007	PROPN
ijtc-443	196	2	creswell	creswell	PROPN
ijtc-443	196	3	,	,	PUNCT
ijtc-443	196	4	j.	j.	PROPN
ijtc-443	196	5	w.	w.	PROPN
ijtc-443	196	6	(	(	PUNCT
ijtc-443	196	7	2017	2017	NUM
ijtc-443	196	8	)	)	PUNCT
ijtc-443	196	9	.	.	PUNCT
ijtc-443	197	1	research	research	NOUN
ijtc-443	197	2	design	design	PROPN
ijtc-443	197	3	pendekatan	pendekatan	PROPN
ijtc-443	197	4	kualitatif	kualitatif	PROPN
ijtc-443	197	5	,	,	PUNCT
ijtc-443	197	6	kuantitatif	kuantitatif	PROPN
ijtc-443	197	7	,	,	PUNCT
ijtc-443	197	8	dan	dan	PROPN
ijtc-443	197	9	mixed	mixed	PROPN
ijtc-443	197	10	(	(	PUNCT
ijtc-443	197	11	s.	s.	PROPN
ijtc-443	197	12	z.	z.	PROPN
ijtc-443	197	13	qudsy	qudsy	PROPN
ijtc-443	198	1	(	(	PUNCT
ijtc-443	198	2	ed	ed	NOUN
ijtc-443	198	3	.	.	PUNCT
ijtc-443	198	4	)	)	PUNCT
ijtc-443	198	5	;	;	PUNCT
ijtc-443	198	6	3rd	3rd	ADJ
ijtc-443	198	7	ed	ed	NOUN
ijtc-443	198	8	.	.	PUNCT
ijtc-443	198	9	)	)	PUNCT
ijtc-443	198	10	.	.	PUNCT
ijtc-443	199	1	pustaka	pustaka	ADJ
ijtc-443	199	2	pelajar	pelajar	NOUN
ijtc-443	199	3	.	.	PUNCT
ijtc-443	200	1	https://opac.perpusnas.go.id/detailopac.aspx?id=1213690	https://opac.perpusnas.go.id/detailopac.aspx?id=1213690	NOUN
ijtc-443	200	2	daud	daud	PROPN
ijtc-443	200	3	,	,	PUNCT
ijtc-443	200	4	s.	s.	PROPN
ijtc-443	200	5	n.	n.	PROPN
ijtc-443	200	6	m.	m.	PROPN
ijtc-443	200	7	,	,	PUNCT
ijtc-443	200	8	ahmad	ahmad	PROPN
ijtc-443	200	9	,	,	PUNCT
ijtc-443	200	10	a.	a.	PROPN
ijtc-443	200	11	h.	h.	PROPN
ijtc-443	200	12	,	,	PUNCT
ijtc-443	200	13	khalid	khalid	PROPN
ijtc-443	200	14	,	,	PUNCT
ijtc-443	200	15	a.	a.	PROPN
ijtc-443	200	16	,	,	PUNCT
ijtc-443	200	17	&	&	CCONJ
ijtc-443	200	18	azman	azman	PROPN
ijtc-443	200	19	-	-	PUNCT
ijtc-443	200	20	saini	saini	PROPN
ijtc-443	200	21	,	,	PUNCT
ijtc-443	200	22	w.	w.	PROPN
ijtc-443	200	23	n.	n.	PROPN
ijtc-443	200	24	w.	w.	PROPN
ijtc-443	200	25	(	(	PUNCT
ijtc-443	200	26	2021	2021	NUM
ijtc-443	200	27	)	)	PUNCT
ijtc-443	200	28	.	.	PUNCT
ijtc-443	201	1	fintech	fintech	NOUN
ijtc-443	201	2	and	and	CCONJ
ijtc-443	201	3	financial	financial	ADJ
ijtc-443	201	4	stability	stability	NOUN
ijtc-443	201	5	:	:	PUNCT
ijtc-443	201	6	threat	threat	NOUN
ijtc-443	201	7	or	or	CCONJ
ijtc-443	201	8	opportunity	opportunity	NOUN
ijtc-443	201	9	?	?	PUNCT
ijtc-443	202	1	finance	finance	NOUN
ijtc-443	202	2	research	research	NOUN
ijtc-443	202	3	letters	letter	NOUN
ijtc-443	202	4	,	,	PUNCT
ijtc-443	202	5	102667	102667	NUM
ijtc-443	202	6	.	.	PUNCT
ijtc-443	203	1	https://doi.org/10.1016/j.frl.2021.102667	https://doi.org/10.1016/j.frl.2021.102667	PROPN
ijtc-443	203	2	deng	deng	PROPN
ijtc-443	203	3	,	,	PUNCT
ijtc-443	203	4	x.	x.	PROPN
ijtc-443	203	5	,	,	PUNCT
ijtc-443	203	6	huang	huang	PROPN
ijtc-443	203	7	,	,	PUNCT
ijtc-443	203	8	z.	z.	PROPN
ijtc-443	203	9	,	,	PUNCT
ijtc-443	203	10	&	&	CCONJ
ijtc-443	203	11	cheng	cheng	PROPN
ijtc-443	203	12	,	,	PUNCT
ijtc-443	203	13	x.	x.	NOUN
ijtc-443	203	14	(	(	PUNCT
ijtc-443	203	15	2019	2019	NUM
ijtc-443	203	16	)	)	PUNCT
ijtc-443	203	17	.	.	PUNCT
ijtc-443	204	1	fintech	fintech	NOUN
ijtc-443	204	2	and	and	CCONJ
ijtc-443	204	3	sustainable	sustainable	ADJ
ijtc-443	204	4	development	development	NOUN
ijtc-443	204	5	:	:	PUNCT
ijtc-443	204	6	evidence	evidence	NOUN
ijtc-443	204	7	from	from	ADP
ijtc-443	204	8	china	china	PROPN
ijtc-443	204	9	based	base	VERB
ijtc-443	204	10	on	on	ADP
ijtc-443	204	11	p2p	p2p	NOUN
ijtc-443	204	12	data	datum	NOUN
ijtc-443	204	13	.	.	PUNCT
ijtc-443	205	1	sustainability	sustainability	NOUN
ijtc-443	205	2	,	,	PUNCT
ijtc-443	205	3	11(22	11(22	PROPN
ijtc-443	205	4	)	)	PUNCT
ijtc-443	205	5	,	,	PUNCT
ijtc-443	205	6	6434	6434	NUM
ijtc-443	205	7	.	.	PUNCT
ijtc-443	206	1	https://doi.org/10.3390/su11226434	https://doi.org/10.3390/su11226434	PROPN
ijtc-443	206	2	ding	ding	NOUN
ijtc-443	206	3	,	,	PUNCT
ijtc-443	206	4	n.	n.	NOUN
ijtc-443	206	5	,	,	PUNCT
ijtc-443	206	6	gu	gu	PROPN
ijtc-443	206	7	,	,	PUNCT
ijtc-443	206	8	l.	l.	PROPN
ijtc-443	206	9	,	,	PUNCT
ijtc-443	206	10	&	&	CCONJ
ijtc-443	206	11	peng	peng	PROPN
ijtc-443	206	12	,	,	PUNCT
ijtc-443	206	13	y.	y.	PROPN
ijtc-443	206	14	(	(	PUNCT
ijtc-443	206	15	2022	2022	NUM
ijtc-443	206	16	)	)	PUNCT
ijtc-443	206	17	.	.	PUNCT
ijtc-443	207	1	fintech	fintech	NOUN
ijtc-443	207	2	,	,	PUNCT
ijtc-443	207	3	financial	financial	ADJ
ijtc-443	207	4	constraints	constraint	NOUN
ijtc-443	207	5	and	and	CCONJ
ijtc-443	207	6	innovation	innovation	NOUN
ijtc-443	207	7	:	:	PUNCT
ijtc-443	207	8	evidence	evidence	NOUN
ijtc-443	207	9	from	from	ADP
ijtc-443	207	10	china	china	PROPN
ijtc-443	207	11	.	.	PUNCT
ijtc-443	208	1	journal	journal	PROPN
ijtc-443	208	2	of	of	ADP
ijtc-443	208	3	corporate	corporate	ADJ
ijtc-443	208	4	finance	finance	NOUN
ijtc-443	208	5	,	,	PUNCT
ijtc-443	208	6	73	73	NUM
ijtc-443	208	7	,	,	PUNCT
ijtc-443	208	8	102194	102194	NUM
ijtc-443	208	9	.	.	PUNCT
ijtc-443	209	1	https://doi.org/10.1016/j.jcorpfin.2022.102194	https://doi.org/10.1016/j.jcorpfin.2022.102194	PROPN
ijtc-443	209	2	fu	fu	PROPN
ijtc-443	209	3	,	,	PUNCT
ijtc-443	209	4	j.	j.	PROPN
ijtc-443	209	5	,	,	PUNCT
ijtc-443	209	6	&	&	CCONJ
ijtc-443	209	7	mishra	mishra	PROPN
ijtc-443	209	8	,	,	PUNCT
ijtc-443	209	9	m.	m.	NOUN
ijtc-443	209	10	(	(	PUNCT
ijtc-443	209	11	2022	2022	NUM
ijtc-443	209	12	)	)	PUNCT
ijtc-443	209	13	.	.	PUNCT
ijtc-443	210	1	fintech	fintech	NOUN
ijtc-443	210	2	in	in	ADP
ijtc-443	210	3	the	the	DET
ijtc-443	210	4	time	time	NOUN
ijtc-443	210	5	of	of	ADP
ijtc-443	210	6	covid−19	covid−19	PROPN
ijtc-443	210	7	:	:	PUNCT
ijtc-443	210	8	technological	technological	ADJ
ijtc-443	210	9	adoption	adoption	NOUN
ijtc-443	210	10	during	during	ADP
ijtc-443	210	11	crises	crisis	NOUN
ijtc-443	210	12	.	.	PUNCT
ijtc-443	211	1	journal	journal	PROPN
ijtc-443	211	2	of	of	ADP
ijtc-443	211	3	financial	financial	ADJ
ijtc-443	211	4	intermediation	intermediation	NOUN
ijtc-443	211	5	,	,	PUNCT
ijtc-443	211	6	50	50	NUM
ijtc-443	211	7	,	,	PUNCT
ijtc-443	211	8	100945	100945	NUM
ijtc-443	211	9	.	.	PUNCT
ijtc-443	212	1	https://doi.org/10.1016/j.jfi.2021.100945	https://doi.org/10.1016/j.jfi.2021.100945	PROPN
ijtc-443	212	2	gorshkov	gorshkov	NOUN
ijtc-443	212	3	,	,	PUNCT
ijtc-443	212	4	v.	v.	PROPN
ijtc-443	212	5	(	(	PUNCT
ijtc-443	212	6	2022	2022	NUM
ijtc-443	212	7	)	)	PUNCT
ijtc-443	212	8	.	.	PUNCT
ijtc-443	213	1	cashless	cashless	NOUN
ijtc-443	213	2	payment	payment	NOUN
ijtc-443	213	3	in	in	ADP
ijtc-443	213	4	emerging	emerge	VERB
ijtc-443	213	5	markets	market	NOUN
ijtc-443	213	6	:	:	PUNCT
ijtc-443	213	7	the	the	DET
ijtc-443	213	8	case	case	NOUN
ijtc-443	213	9	of	of	ADP
ijtc-443	213	10	russia	russia	PROPN
ijtc-443	213	11	.	.	PUNCT
ijtc-443	214	1	asia	asia	PROPN
ijtc-443	214	2	and	and	CCONJ
ijtc-443	214	3	the	the	DET
ijtc-443	214	4	global	global	ADJ
ijtc-443	214	5	economy	economy	NOUN
ijtc-443	214	6	,	,	PUNCT
ijtc-443	214	7	2(1	2(1	NUM
ijtc-443	214	8	)	)	PUNCT
ijtc-443	214	9	,	,	PUNCT
ijtc-443	214	10	100033	100033	NUM
ijtc-443	214	11	.	.	PUNCT
ijtc-443	215	1	https://doi.org/10.1016/j.aglobe.2022.100033	https://doi.org/10.1016/j.aglobe.2022.100033	NOUN
ijtc-443	215	2	haptari	haptari	NOUN
ijtc-443	215	3	,	,	PUNCT
ijtc-443	215	4	v.	v.	PROPN
ijtc-443	215	5	d.	d.	PROPN
ijtc-443	215	6	,	,	PUNCT
ijtc-443	215	7	&	&	CCONJ
ijtc-443	215	8	aribowo	aribowo	PROPN
ijtc-443	215	9	,	,	PUNCT
ijtc-443	215	10	i.	i.	PROPN
ijtc-443	215	11	(	(	PUNCT
ijtc-443	215	12	2019	2019	NUM
ijtc-443	215	13	)	)	PUNCT
ijtc-443	215	14	.	.	PUNCT
ijtc-443	216	1	analisis	analisis	NOUN
ijtc-443	216	2	aspek	aspek	NOUN
ijtc-443	216	3	perpajakan	perpajakan	PROPN
ijtc-443	216	4	pada	pada	PROPN
ijtc-443	216	5	fintech	fintech	PROPN
ijtc-443	216	6	khususnya	khususnya	PROPN
ijtc-443	216	7	peer	peer	VERB
ijtc-443	216	8	to	to	ADP
ijtc-443	216	9	peer	peer	NOUN
ijtc-443	216	10	(	(	PUNCT
ijtc-443	216	11	p2p	p2p	NOUN
ijtc-443	216	12	)	)	PUNCT
ijtc-443	216	13	lending	lending	NOUN
ijtc-443	216	14	untuk	untuk	PROPN
ijtc-443	216	15	menyusun	menyusun	PROPN
ijtc-443	216	16	aturan	aturan	PROPN
ijtc-443	216	17	perpajakan	perpajakan	PROPN
ijtc-443	216	18	.	.	PUNCT
ijtc-443	217	1	jurnal	jurnal	PROPN
ijtc-443	217	2	pajak	pajak	PROPN
ijtc-443	217	3	dan	dan	PROPN
ijtc-443	217	4	keuangan	keuangan	PROPN
ijtc-443	217	5	negara	negara	PROPN
ijtc-443	217	6	(	(	PUNCT
ijtc-443	217	7	pkn	pkn	PROPN
ijtc-443	217	8	)	)	PUNCT
ijtc-443	217	9	,	,	PUNCT
ijtc-443	217	10	1(1	1(1	NUM
ijtc-443	217	11	)	)	PUNCT
ijtc-443	217	12	,	,	PUNCT
ijtc-443	217	13	11	11	NUM
ijtc-443	217	14	.	.	PUNCT
ijtc-443	218	1	https://doi.org/10.31092/jpkn.v1i1.597	https://doi.org/10.31092/jpkn.v1i1.597	PROPN
ijtc-443	218	2	he	he	PRON
ijtc-443	218	3	,	,	PUNCT
ijtc-443	218	4	d.	d.	PROPN
ijtc-443	218	5	,	,	PUNCT
ijtc-443	218	6	leckow	leckow	PROPN
ijtc-443	218	7	,	,	PUNCT
ijtc-443	218	8	r.	r.	PROPN
ijtc-443	218	9	b.	b.	PROPN
ijtc-443	218	10	,	,	PUNCT
ijtc-443	218	11	haksar	haksar	PROPN
ijtc-443	218	12	,	,	PUNCT
ijtc-443	218	13	v.	v.	PROPN
ijtc-443	218	14	,	,	PUNCT
ijtc-443	218	15	griffoli	griffoli	NOUN
ijtc-443	218	16	,	,	PUNCT
ijtc-443	218	17	t.	t.	NOUN
ijtc-443	218	18	m.	m.	NOUN
ijtc-443	218	19	,	,	PUNCT
ijtc-443	218	20	jenkinson	jenkinson	PROPN
ijtc-443	218	21	,	,	PUNCT
ijtc-443	218	22	n.	n.	PROPN
ijtc-443	218	23	,	,	PUNCT
ijtc-443	218	24	kashima	kashima	PROPN
ijtc-443	218	25	,	,	PUNCT
ijtc-443	218	26	m.	m.	NOUN
ijtc-443	218	27	,	,	PUNCT
ijtc-443	218	28	khiaonarong	khiaonarong	PROPN
ijtc-443	218	29	,	,	PUNCT
ijtc-443	218	30	t.	t.	PROPN
ijtc-443	218	31	,	,	PUNCT
ijtc-443	218	32	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADJ
ijtc-443	218	33	finance	finance	NOUN
ijtc-443	218	34	technology	technology	NOUN
ijtc-443	218	35	innovation	innovation	NOUN
ijtc-443	218	36	in	in	ADP
ijtc-443	218	37	the	the	DET
ijtc-443	218	38	finance	finance	NOUN
ijtc-443	218	39	sector	sector	NOUN
ijtc-443	218	40	:	:	PUNCT
ijtc-443	218	41	the	the	DET
ijtc-443	218	42	role	role	NOUN
ijtc-443	218	43	of	of	ADP
ijtc-443	218	44	e	e	NOUN
ijtc-443	218	45	-	-	NOUN
ijtc-443	218	46	money	money	NOUN
ijtc-443	218	47	on	on	ADP
ijtc-443	218	48	increasing	increase	VERB
ijtc-443	218	49	tax	tax	NOUN
ijtc-443	218	50	revenue	revenue	NOUN
ijtc-443	218	51	kusyeni	kusyeni	NOUN
ijtc-443	218	52	,	,	PUNCT
ijtc-443	218	53	pandoyo	pandoyo	NOUN
ijtc-443	218	54	,	,	PUNCT
ijtc-443	218	55	kumala	kumala	NOUN
ijtc-443	218	56	,	,	PUNCT
ijtc-443	218	57	and	and	CCONJ
ijtc-443	218	58	sofyan	sofyan	PROPN
ijtc-443	218	59	.	.	PUNCT
ijtc-443	219	1	148	148	NUM
ijtc-443	219	2	|	|	ADV
ijtc-443	219	3	ilomata	ilomata	PROPN
ijtc-443	219	4	international	international	ADJ
ijtc-443	219	5	journal	journal	NOUN
ijtc-443	219	6	of	of	ADP
ijtc-443	219	7	tax	tax	PROPN
ijtc-443	219	8	&	&	CCONJ
ijtc-443	219	9	accounting	account	VERB
ijtc-443	219	10	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-443	219	11	rochon	rochon	PROPN
ijtc-443	219	12	,	,	PUNCT
ijtc-443	219	13	c.	c.	PROPN
ijtc-443	219	14	,	,	PUNCT
ijtc-443	219	15	&	&	CCONJ
ijtc-443	219	16	tourpe	tourpe	PROPN
ijtc-443	219	17	,	,	PUNCT
ijtc-443	219	18	h.	h.	PROPN
ijtc-443	219	19	(	(	PUNCT
ijtc-443	219	20	2017	2017	NUM
ijtc-443	219	21	)	)	PUNCT
ijtc-443	219	22	.	.	PUNCT
ijtc-443	220	1	fintech	fintech	NOUN
ijtc-443	220	2	and	and	CCONJ
ijtc-443	220	3	financial	financial	ADJ
ijtc-443	220	4	services	service	NOUN
ijtc-443	220	5	 	 	SPACE
ijtc-443	220	6	:	:	PUNCT
ijtc-443	220	7	initial	initial	ADJ
ijtc-443	220	8	considerations	consideration	NOUN
ijtc-443	220	9	(	(	PUNCT
ijtc-443	220	10	p.	p.	NOUN
ijtc-443	220	11	49	49	NUM
ijtc-443	220	12	)	)	PUNCT
ijtc-443	220	13	.	.	PUNCT
ijtc-443	221	1	international	international	ADJ
ijtc-443	221	2	monetary	monetary	ADJ
ijtc-443	221	3	fund	fund	PROPN
ijtc-443	221	4	.	.	PUNCT
ijtc-443	222	1	https://www.imf.org/en/publications/staff-discussionnotes/issues/2017/06/16/fintech-and-financial-services-initial-considerations-44985	https://www.imf.org/en/publications/staff-discussionnotes/issues/2017/06/16/fintech-and-financial-services-initial-considerations-44985	PROPN
ijtc-443	222	2	herdinata	herdinata	PROPN
ijtc-443	222	3	,	,	PUNCT
ijtc-443	222	4	c.	c.	PROPN
ijtc-443	222	5	,	,	PUNCT
ijtc-443	222	6	&	&	CCONJ
ijtc-443	222	7	pranatasari	pranatasari	PROPN
ijtc-443	222	8	,	,	PUNCT
ijtc-443	222	9	f.	f.	PROPN
ijtc-443	222	10	d.	d.	PROPN
ijtc-443	222	11	(	(	PUNCT
ijtc-443	222	12	2020	2020	NUM
ijtc-443	222	13	)	)	PUNCT
ijtc-443	222	14	.	.	PUNCT
ijtc-443	223	1	panduan	panduan	PROPN
ijtc-443	223	2	penerapan	penerapan	PROPN
ijtc-443	223	3	financial	financial	PROPN
ijtc-443	223	4	technology	technology	PROPN
ijtc-443	223	5	melalui	melalui	PROPN
ijtc-443	223	6	regulasi	regulasi	PROPN
ijtc-443	223	7	,	,	PUNCT
ijtc-443	223	8	kolaborasi	kolaborasi	NOUN
ijtc-443	223	9	,	,	PUNCT
ijtc-443	223	10	dan	dan	PROPN
ijtc-443	223	11	literasi	literasi	PROPN
ijtc-443	223	12	keuangan	keuangan	PROPN
ijtc-443	223	13	pada	pada	PROPN
ijtc-443	223	14	umkm	umkm	NOUN
ijtc-443	223	15	(	(	PUNCT
ijtc-443	223	16	1st	1st	ADJ
ijtc-443	223	17	ed	ed	NOUN
ijtc-443	223	18	.	.	PUNCT
ijtc-443	223	19	)	)	PUNCT
ijtc-443	223	20	.	.	PUNCT
ijtc-443	224	1	leutikaprio	leutikaprio	NOUN
ijtc-443	224	2	.	.	PUNCT
ijtc-443	225	1	http://www.leutikaprio.com/produk/190243/pengetahuan/20031843/panduan_penerapa	http://www.leutikaprio.com/produk/190243/pengetahuan/20031843/panduan_penerapa	DET
ijtc-443	225	2	n_financial_technology_melalui_regulasi_kolaborasi_dan_literasi_keuangan_pada_umkm/1	n_financial_technology_melalui_regulasi_kolaborasi_dan_literasi_keuangan_pada_umkm/1	NOUN
ijtc-443	225	3	9099971	9099971	NUM
ijtc-443	225	4	/	/	SYM
ijtc-443	225	5	dr_christian_herdinata_se_mm_cfp_qwp_aepp__fransisca_desiana_pranatasari_s	dr_christian_herdinata_se_mm_cfp_qwp_aepp__fransisca_desiana_pranatasari_s	NOUN
ijtc-443	225	6	e_mm	e_mm	PROPN
ijtc-443	225	7	ioannou	ioannou	PROPN
ijtc-443	225	8	,	,	PUNCT
ijtc-443	225	9	s.	s.	PROPN
ijtc-443	225	10	,	,	PUNCT
ijtc-443	225	11	&	&	CCONJ
ijtc-443	225	12	wójcik	wójcik	PROPN
ijtc-443	225	13	,	,	PUNCT
ijtc-443	225	14	d.	d.	PROPN
ijtc-443	225	15	(	(	PUNCT
ijtc-443	225	16	2022	2022	NUM
ijtc-443	225	17	)	)	PUNCT
ijtc-443	225	18	.	.	PUNCT
ijtc-443	226	1	the	the	DET
ijtc-443	226	2	limits	limit	NOUN
ijtc-443	226	3	to	to	ADP
ijtc-443	226	4	fintech	fintech	NOUN
ijtc-443	226	5	unveiled	unveil	VERB
ijtc-443	226	6	by	by	ADP
ijtc-443	226	7	the	the	DET
ijtc-443	226	8	financial	financial	ADJ
ijtc-443	226	9	geography	geography	NOUN
ijtc-443	226	10	of	of	ADP
ijtc-443	226	11	latin	latin	PROPN
ijtc-443	226	12	america	america	PROPN
ijtc-443	226	13	.	.	PUNCT
ijtc-443	227	1	geoforum	geoforum	PROPN
ijtc-443	227	2	,	,	PUNCT
ijtc-443	227	3	128	128	NUM
ijtc-443	227	4	,	,	PUNCT
ijtc-443	227	5	57–67	57–67	NUM
ijtc-443	227	6	.	.	PUNCT
ijtc-443	228	1	https://doi.org/10.1016/j.geoforum.2021.11.020	https://doi.org/10.1016/j.geoforum.2021.11.020	NOUN
ijtc-443	228	2	kahloul	kahloul	PROPN
ijtc-443	228	3	,	,	PUNCT
ijtc-443	228	4	i.	i.	PROPN
ijtc-443	228	5	,	,	PUNCT
ijtc-443	228	6	sbai	sbai	PROPN
ijtc-443	228	7	,	,	PUNCT
ijtc-443	228	8	h.	h.	PROPN
ijtc-443	228	9	,	,	PUNCT
ijtc-443	228	10	&	&	CCONJ
ijtc-443	228	11	grira	grira	PROPN
ijtc-443	228	12	,	,	PUNCT
ijtc-443	228	13	j.	j.	PROPN
ijtc-443	228	14	(	(	PUNCT
ijtc-443	228	15	2022	2022	NUM
ijtc-443	228	16	)	)	PUNCT
ijtc-443	228	17	.	.	PUNCT
ijtc-443	229	1	does	do	AUX
ijtc-443	229	2	corporate	corporate	ADJ
ijtc-443	229	3	social	social	ADJ
ijtc-443	229	4	responsibility	responsibility	NOUN
ijtc-443	229	5	reporting	report	VERB
ijtc-443	229	6	improve	improve	VERB
ijtc-443	229	7	financial	financial	ADJ
ijtc-443	229	8	performance	performance	NOUN
ijtc-443	229	9	?	?	PUNCT
ijtc-443	230	1	the	the	DET
ijtc-443	230	2	moderating	moderate	VERB
ijtc-443	230	3	role	role	NOUN
ijtc-443	230	4	of	of	ADP
ijtc-443	230	5	board	board	NOUN
ijtc-443	230	6	diversity	diversity	NOUN
ijtc-443	230	7	and	and	CCONJ
ijtc-443	230	8	gender	gender	NOUN
ijtc-443	230	9	composition	composition	NOUN
ijtc-443	230	10	.	.	PUNCT
ijtc-443	231	1	the	the	DET
ijtc-443	231	2	quarterly	quarterly	ADJ
ijtc-443	231	3	review	review	NOUN
ijtc-443	231	4	of	of	ADP
ijtc-443	231	5	economics	economic	NOUN
ijtc-443	231	6	and	and	CCONJ
ijtc-443	231	7	finance	finance	NOUN
ijtc-443	231	8	,	,	PUNCT
ijtc-443	231	9	84	84	NUM
ijtc-443	231	10	,	,	PUNCT
ijtc-443	231	11	305–314	305–314	NUM
ijtc-443	231	12	.	.	PUNCT
ijtc-443	232	1	https://doi.org/10.1016/j.qref.2022.03.001	https://doi.org/10.1016/j.qref.2022.03.001	PROPN
ijtc-443	232	2	khuong	khuong	PROPN
ijtc-443	232	3	,	,	PUNCT
ijtc-443	232	4	n.	n.	PROPN
ijtc-443	232	5	v.	v.	PROPN
ijtc-443	232	6	,	,	PUNCT
ijtc-443	232	7	shabbir	shabbir	PROPN
ijtc-443	232	8	,	,	PUNCT
ijtc-443	232	9	m.	m.	NOUN
ijtc-443	232	10	s.	s.	PROPN
ijtc-443	232	11	,	,	PUNCT
ijtc-443	232	12	sial	sial	PROPN
ijtc-443	232	13	,	,	PUNCT
ijtc-443	232	14	m.	m.	NOUN
ijtc-443	232	15	s.	s.	PROPN
ijtc-443	232	16	,	,	PUNCT
ijtc-443	232	17	&	&	CCONJ
ijtc-443	232	18	khanh	khanh	PROPN
ijtc-443	232	19	,	,	PUNCT
ijtc-443	232	20	t.	t.	PROPN
ijtc-443	232	21	h.	h.	PROPN
ijtc-443	232	22	t.	t.	PROPN
ijtc-443	232	23	(	(	PUNCT
ijtc-443	232	24	2021	2021	NUM
ijtc-443	232	25	)	)	PUNCT
ijtc-443	232	26	.	.	PUNCT
ijtc-443	233	1	does	do	AUX
ijtc-443	233	2	informal	informal	ADJ
ijtc-443	233	3	economy	economy	NOUN
ijtc-443	233	4	impede	impede	VERB
ijtc-443	233	5	economic	economic	ADJ
ijtc-443	233	6	growth	growth	NOUN
ijtc-443	233	7	?	?	PUNCT
ijtc-443	234	1	evidence	evidence	NOUN
ijtc-443	234	2	from	from	ADP
ijtc-443	234	3	an	an	DET
ijtc-443	234	4	emerging	emerge	VERB
ijtc-443	234	5	economy	economy	NOUN
ijtc-443	234	6	.	.	PUNCT
ijtc-443	235	1	journal	journal	NOUN
ijtc-443	235	2	of	of	ADP
ijtc-443	235	3	sustainable	sustainable	ADJ
ijtc-443	235	4	finance	finance	NOUN
ijtc-443	235	5	&	&	CCONJ
ijtc-443	235	6	investment	investment	NOUN
ijtc-443	235	7	,	,	PUNCT
ijtc-443	235	8	11(2	11(2	NOUN
ijtc-443	235	9	)	)	PUNCT
ijtc-443	235	10	,	,	PUNCT
ijtc-443	235	11	103–122	103–122	NUM
ijtc-443	235	12	.	.	PUNCT
ijtc-443	235	13	https://doi.org/10.1080/20430795.2020.1711501	https://doi.org/10.1080/20430795.2020.1711501	PROPN
ijtc-443	235	14	liu	liu	PROPN
ijtc-443	235	15	,	,	PUNCT
ijtc-443	235	16	y.	y.	PROPN
ijtc-443	235	17	,	,	PUNCT
ijtc-443	235	18	luan	luan	PROPN
ijtc-443	235	19	,	,	PUNCT
ijtc-443	235	20	l.	l.	PROPN
ijtc-443	235	21	,	,	PUNCT
ijtc-443	235	22	wu	wu	PROPN
ijtc-443	235	23	,	,	PUNCT
ijtc-443	235	24	w.	w.	PROPN
ijtc-443	235	25	,	,	PUNCT
ijtc-443	235	26	zhang	zhang	PROPN
ijtc-443	235	27	,	,	PUNCT
ijtc-443	235	28	z.	z.	PROPN
ijtc-443	235	29	,	,	PUNCT
ijtc-443	235	30	&	&	CCONJ
ijtc-443	235	31	hsu	hsu	PROPN
ijtc-443	235	32	,	,	PUNCT
ijtc-443	235	33	y.	y.	PROPN
ijtc-443	235	34	(	(	PUNCT
ijtc-443	235	35	2021	2021	NUM
ijtc-443	235	36	)	)	PUNCT
ijtc-443	235	37	.	.	PUNCT
ijtc-443	236	1	can	can	AUX
ijtc-443	236	2	digital	digital	VERB
ijtc-443	236	3	financial	financial	ADJ
ijtc-443	236	4	inclusion	inclusion	NOUN
ijtc-443	236	5	promote	promote	VERB
ijtc-443	236	6	china	china	PROPN
ijtc-443	236	7	’s	’s	PART
ijtc-443	236	8	economic	economic	ADJ
ijtc-443	236	9	growth	growth	NOUN
ijtc-443	236	10	?	?	PUNCT
ijtc-443	237	1	international	international	ADJ
ijtc-443	237	2	review	review	NOUN
ijtc-443	237	3	of	of	ADP
ijtc-443	237	4	financial	financial	ADJ
ijtc-443	237	5	analysis	analysis	NOUN
ijtc-443	237	6	,	,	PUNCT
ijtc-443	237	7	78	78	NUM
ijtc-443	237	8	,	,	PUNCT
ijtc-443	237	9	101889	101889	NUM
ijtc-443	237	10	.	.	PUNCT
ijtc-443	238	1	https://doi.org/10.1016/j.irfa.2021.101889	https://doi.org/10.1016/j.irfa.2021.101889	ADJ
ijtc-443	238	2	luo	luo	PROPN
ijtc-443	238	3	,	,	PUNCT
ijtc-443	238	4	s.	s.	PROPN
ijtc-443	238	5	,	,	PUNCT
ijtc-443	238	6	sun	sun	PROPN
ijtc-443	238	7	,	,	PUNCT
ijtc-443	238	8	y.	y.	PROPN
ijtc-443	238	9	,	,	PUNCT
ijtc-443	238	10	&	&	CCONJ
ijtc-443	238	11	zhou	zhou	PROPN
ijtc-443	238	12	,	,	PUNCT
ijtc-443	238	13	r.	r.	PROPN
ijtc-443	238	14	(	(	PUNCT
ijtc-443	238	15	2022	2022	NUM
ijtc-443	238	16	)	)	PUNCT
ijtc-443	238	17	.	.	PUNCT
ijtc-443	239	1	can	can	AUX
ijtc-443	239	2	fintech	fintech	NOUN
ijtc-443	239	3	innovation	innovation	NOUN
ijtc-443	239	4	promote	promote	VERB
ijtc-443	239	5	household	household	NOUN
ijtc-443	239	6	consumption	consumption	NOUN
ijtc-443	239	7	?	?	PUNCT
ijtc-443	240	1	evidence	evidence	NOUN
ijtc-443	240	2	from	from	ADP
ijtc-443	240	3	china	china	PROPN
ijtc-443	240	4	family	family	PROPN
ijtc-443	240	5	panel	panel	NOUN
ijtc-443	240	6	studies	study	NOUN
ijtc-443	240	7	.	.	PUNCT
ijtc-443	241	1	international	international	ADJ
ijtc-443	241	2	review	review	NOUN
ijtc-443	241	3	of	of	ADP
ijtc-443	241	4	financial	financial	ADJ
ijtc-443	241	5	analysis	analysis	NOUN
ijtc-443	241	6	,	,	PUNCT
ijtc-443	241	7	82	82	NUM
ijtc-443	241	8	,	,	PUNCT
ijtc-443	241	9	102137	102137	NUM
ijtc-443	241	10	.	.	PUNCT
ijtc-443	242	1	https://doi.org/10.1016/j.irfa.2022.102137	https://doi.org/10.1016/j.irfa.2022.102137	PROPN
ijtc-443	242	2	maqbool	maqbool	PROPN
ijtc-443	242	3	,	,	PUNCT
ijtc-443	242	4	s.	s.	PROPN
ijtc-443	242	5	,	,	PUNCT
ijtc-443	242	6	&	&	CCONJ
ijtc-443	242	7	zameer	zameer	PROPN
ijtc-443	242	8	,	,	PUNCT
ijtc-443	242	9	m.	m.	NOUN
ijtc-443	242	10	n.	n.	PROPN
ijtc-443	242	11	(	(	PUNCT
ijtc-443	242	12	2018	2018	NUM
ijtc-443	242	13	)	)	PUNCT
ijtc-443	242	14	.	.	PUNCT
ijtc-443	243	1	corporate	corporate	ADJ
ijtc-443	243	2	social	social	ADJ
ijtc-443	243	3	responsibility	responsibility	NOUN
ijtc-443	243	4	and	and	CCONJ
ijtc-443	243	5	financial	financial	ADJ
ijtc-443	243	6	performance	performance	NOUN
ijtc-443	243	7	:	:	PUNCT
ijtc-443	243	8	an	an	DET
ijtc-443	243	9	empirical	empirical	ADJ
ijtc-443	243	10	analysis	analysis	NOUN
ijtc-443	243	11	of	of	ADP
ijtc-443	243	12	indian	indian	ADJ
ijtc-443	243	13	banks	bank	NOUN
ijtc-443	243	14	.	.	PUNCT
ijtc-443	244	1	future	future	ADJ
ijtc-443	244	2	business	business	NOUN
ijtc-443	244	3	journal	journal	NOUN
ijtc-443	244	4	,	,	PUNCT
ijtc-443	244	5	4(1	4(1	NUM
ijtc-443	244	6	)	)	PUNCT
ijtc-443	244	7	,	,	PUNCT
ijtc-443	244	8	84–93	84–93	NUM
ijtc-443	244	9	.	.	PUNCT
ijtc-443	245	1	https://doi.org/10.1016/j.fbj.2017.12.002	https://doi.org/10.1016/j.fbj.2017.12.002	PROPN
ijtc-443	245	2	matei	matei	PROPN
ijtc-443	245	3	,	,	PUNCT
ijtc-443	245	4	b.	b.	PROPN
ijtc-443	245	5	f.	f.	PROPN
ijtc-443	245	6	,	,	PUNCT
ijtc-443	245	7	boboc	boboc	PROPN
ijtc-443	245	8	,	,	PUNCT
ijtc-443	245	9	c.	c.	PROPN
ijtc-443	245	10	,	,	PUNCT
ijtc-443	245	11	&	&	CCONJ
ijtc-443	245	12	ghiță	ghiță	PROPN
ijtc-443	245	13	,	,	PUNCT
ijtc-443	245	14	s.	s.	PROPN
ijtc-443	245	15	(	(	PUNCT
ijtc-443	245	16	2021	2021	NUM
ijtc-443	245	17	)	)	PUNCT
ijtc-443	245	18	.	.	PUNCT
ijtc-443	246	1	the	the	DET
ijtc-443	246	2	relationship	relationship	NOUN
ijtc-443	246	3	between	between	ADP
ijtc-443	246	4	corporate	corporate	ADJ
ijtc-443	246	5	social	social	ADJ
ijtc-443	246	6	responsibility	responsibility	NOUN
ijtc-443	246	7	and	and	CCONJ
ijtc-443	246	8	financial	financial	ADJ
ijtc-443	246	9	performance	performance	NOUN
ijtc-443	246	10	in	in	ADP
ijtc-443	246	11	romanian	romanian	ADJ
ijtc-443	246	12	companies	company	NOUN
ijtc-443	246	13	.	.	PUNCT
ijtc-443	247	1	economic	economic	ADJ
ijtc-443	247	2	computation	computation	NOUN
ijtc-443	247	3	and	and	CCONJ
ijtc-443	247	4	economic	economic	ADJ
ijtc-443	247	5	cybernetics	cybernetic	NOUN
ijtc-443	247	6	studies	study	NOUN
ijtc-443	247	7	and	and	CCONJ
ijtc-443	247	8	research	research	NOUN
ijtc-443	247	9	,	,	PUNCT
ijtc-443	247	10	55(3/2021	55(3/2021	NOUN
ijtc-443	247	11	)	)	PUNCT
ijtc-443	247	12	,	,	PUNCT
ijtc-443	247	13	297–314	297–314	NUM
ijtc-443	247	14	.	.	PUNCT
ijtc-443	248	1	https://doi.org/10.24818/18423264/55.3.21.19	https://doi.org/10.24818/18423264/55.3.21.19	PROPN
ijtc-443	248	2	merello	merello	PROPN
ijtc-443	248	3	,	,	PUNCT
ijtc-443	248	4	p.	p.	NOUN
ijtc-443	248	5	,	,	PUNCT
ijtc-443	248	6	barberá	barberá	NOUN
ijtc-443	248	7	,	,	PUNCT
ijtc-443	248	8	a.	a.	NOUN
ijtc-443	248	9	,	,	PUNCT
ijtc-443	248	10	&	&	CCONJ
ijtc-443	248	11	la	la	PROPN
ijtc-443	248	12	poza	poza	PROPN
ijtc-443	248	13	,	,	PUNCT
ijtc-443	248	14	e.	e.	PROPN
ijtc-443	248	15	de	de	PROPN
ijtc-443	248	16	.	.	PROPN
ijtc-443	248	17	(	(	PUNCT
ijtc-443	248	18	2022	2022	NUM
ijtc-443	248	19	)	)	PUNCT
ijtc-443	248	20	.	.	PUNCT
ijtc-443	249	1	is	be	AUX
ijtc-443	249	2	the	the	DET
ijtc-443	249	3	sustainability	sustainability	NOUN
ijtc-443	249	4	profile	profile	NOUN
ijtc-443	249	5	of	of	ADP
ijtc-443	249	6	fintech	fintech	NOUN
ijtc-443	249	7	companies	company	NOUN
ijtc-443	249	8	a	a	DET
ijtc-443	249	9	key	key	ADJ
ijtc-443	249	10	driver	driver	NOUN
ijtc-443	249	11	of	of	ADP
ijtc-443	249	12	their	their	PRON
ijtc-443	249	13	value	value	NOUN
ijtc-443	249	14	?	?	PUNCT
ijtc-443	250	1	technological	technological	ADJ
ijtc-443	250	2	forecasting	forecasting	NOUN
ijtc-443	250	3	and	and	CCONJ
ijtc-443	250	4	social	social	ADJ
ijtc-443	250	5	change	change	NOUN
ijtc-443	250	6	,	,	PUNCT
ijtc-443	250	7	174	174	NUM
ijtc-443	250	8	,	,	PUNCT
ijtc-443	250	9	121290	121290	NUM
ijtc-443	250	10	.	.	PUNCT
ijtc-443	251	1	https://doi.org/10.1016/j.techfore.2021.121290	https://doi.org/10.1016/j.techfore.2021.121290	PROPN
ijtc-443	251	2	muthukannan	muthukannan	PROPN
ijtc-443	251	3	,	,	PUNCT
ijtc-443	251	4	p.	p.	PROPN
ijtc-443	251	5	,	,	PUNCT
ijtc-443	251	6	tan	tan	PROPN
ijtc-443	251	7	,	,	PUNCT
ijtc-443	251	8	b.	b.	PROPN
ijtc-443	251	9	,	,	PUNCT
ijtc-443	251	10	chian	chian	PROPN
ijtc-443	251	11	tan	tan	PROPN
ijtc-443	251	12	,	,	PUNCT
ijtc-443	251	13	f.	f.	PROPN
ijtc-443	251	14	ter	ter	PROPN
ijtc-443	251	15	,	,	PUNCT
ijtc-443	251	16	&	&	CCONJ
ijtc-443	251	17	leong	leong	PROPN
ijtc-443	251	18	,	,	PUNCT
ijtc-443	251	19	c.	c.	PROPN
ijtc-443	251	20	(	(	PUNCT
ijtc-443	251	21	2021	2021	NUM
ijtc-443	251	22	)	)	PUNCT
ijtc-443	251	23	.	.	PUNCT
ijtc-443	252	1	novel	novel	ADJ
ijtc-443	252	2	mechanisms	mechanism	NOUN
ijtc-443	252	3	of	of	ADP
ijtc-443	252	4	scalability	scalability	NOUN
ijtc-443	252	5	of	of	ADP
ijtc-443	252	6	financial	financial	ADJ
ijtc-443	252	7	services	service	NOUN
ijtc-443	252	8	in	in	ADP
ijtc-443	252	9	an	an	DET
ijtc-443	252	10	emerging	emerge	VERB
ijtc-443	252	11	market	market	NOUN
ijtc-443	252	12	context	context	NOUN
ijtc-443	252	13	:	:	PUNCT
ijtc-443	252	14	insights	insight	NOUN
ijtc-443	252	15	from	from	ADP
ijtc-443	252	16	indonesian	indonesian	ADJ
ijtc-443	252	17	fintech	fintech	NOUN
ijtc-443	252	18	ecosystem	ecosystem	NOUN
ijtc-443	252	19	.	.	PUNCT
ijtc-443	253	1	international	international	ADJ
ijtc-443	253	2	journal	journal	PROPN
ijtc-443	253	3	of	of	ADP
ijtc-443	253	4	information	information	NOUN
ijtc-443	253	5	management	management	NOUN
ijtc-443	253	6	,	,	PUNCT
ijtc-443	253	7	61	61	NUM
ijtc-443	253	8	,	,	PUNCT
ijtc-443	253	9	102403	102403	NUM
ijtc-443	253	10	.	.	PUNCT
ijtc-443	254	1	https://doi.org/10.1016/j.ijinfomgt.2021.102403	https://doi.org/10.1016/j.ijinfomgt.2021.102403	PROPN
ijtc-443	254	2	ng	ng	PROPN
ijtc-443	254	3	,	,	PUNCT
ijtc-443	254	4	d.	d.	PROPN
ijtc-443	254	5	,	,	PUNCT
ijtc-443	254	6	kauffman	kauffman	PROPN
ijtc-443	254	7	,	,	PUNCT
ijtc-443	254	8	r.	r.	PROPN
ijtc-443	254	9	j.	j.	PROPN
ijtc-443	254	10	,	,	PUNCT
ijtc-443	254	11	griffin	griffin	PROPN
ijtc-443	254	12	,	,	PUNCT
ijtc-443	254	13	p.	p.	PROPN
ijtc-443	254	14	,	,	PUNCT
ijtc-443	254	15	&	&	CCONJ
ijtc-443	254	16	hedman	hedman	PROPN
ijtc-443	254	17	,	,	PUNCT
ijtc-443	254	18	j.	j.	PROPN
ijtc-443	254	19	(	(	PUNCT
ijtc-443	254	20	2021	2021	NUM
ijtc-443	254	21	)	)	PUNCT
ijtc-443	254	22	.	.	PUNCT
ijtc-443	255	1	can	can	AUX
ijtc-443	255	2	we	we	PRON
ijtc-443	255	3	classify	classify	VERB
ijtc-443	255	4	cashless	cashless	NOUN
ijtc-443	255	5	payment	payment	NOUN
ijtc-443	255	6	solution	solution	NOUN
ijtc-443	255	7	implementations	implementation	NOUN
ijtc-443	255	8	at	at	ADP
ijtc-443	255	9	the	the	DET
ijtc-443	255	10	country	country	NOUN
ijtc-443	255	11	level	level	NOUN
ijtc-443	255	12	?	?	PUNCT
ijtc-443	256	1	electronic	electronic	ADJ
ijtc-443	256	2	commerce	commerce	NOUN
ijtc-443	256	3	research	research	NOUN
ijtc-443	256	4	and	and	CCONJ
ijtc-443	256	5	applications	application	NOUN
ijtc-443	256	6	,	,	PUNCT
ijtc-443	256	7	46	46	NUM
ijtc-443	256	8	,	,	PUNCT
ijtc-443	256	9	101018	101018	NUM
ijtc-443	256	10	.	.	PUNCT
ijtc-443	257	1	https://doi.org/10.1016/j.elerap.2020.101018	https://doi.org/10.1016/j.elerap.2020.101018	NOUN
ijtc-443	257	2	omodero	omodero	PROPN
ijtc-443	257	3	,	,	PUNCT
ijtc-443	257	4	c.	c.	PROPN
ijtc-443	257	5	o.	o.	PROPN
ijtc-443	257	6	(	(	PUNCT
ijtc-443	257	7	2021	2021	NUM
ijtc-443	257	8	)	)	PUNCT
ijtc-443	257	9	.	.	PUNCT
ijtc-443	258	1	fintech	fintech	NOUN
ijtc-443	258	2	innovation	innovation	NOUN
ijtc-443	258	3	in	in	ADP
ijtc-443	258	4	the	the	DET
ijtc-443	258	5	financial	financial	ADJ
ijtc-443	258	6	sector	sector	NOUN
ijtc-443	258	7	:	:	PUNCT
ijtc-443	258	8	influence	influence	NOUN
ijtc-443	258	9	of	of	ADP
ijtc-443	258	10	e	e	NOUN
ijtc-443	258	11	-	-	NOUN
ijtc-443	258	12	money	money	NOUN
ijtc-443	258	13	products	product	NOUN
ijtc-443	258	14	on	on	ADP
ijtc-443	258	15	a	a	DET
ijtc-443	258	16	growing	grow	VERB
ijtc-443	258	17	economy	economy	NOUN
ijtc-443	258	18	.	.	PUNCT
ijtc-443	259	1	studia	studia	PROPN
ijtc-443	259	2	universitatis	universitatis	PROPN
ijtc-443	259	3	„	„	PUNCT
ijtc-443	259	4	vasile	vasile	NOUN
ijtc-443	259	5	goldis	goldis	PROPN
ijtc-443	259	6	”	"	PUNCT
ijtc-443	259	7	arad	arad	PROPN
ijtc-443	259	8	–	–	PUNCT
ijtc-443	259	9	economics	economic	NOUN
ijtc-443	259	10	series	series	NOUN
ijtc-443	259	11	,	,	PUNCT
ijtc-443	259	12	31(4	31(4	NUM
ijtc-443	259	13	)	)	PUNCT
ijtc-443	259	14	,	,	PUNCT
ijtc-443	259	15	40–53	40–53	NUM
ijtc-443	259	16	.	.	PUNCT
ijtc-443	260	1	https://doi.org/10.2478/sues-2021-0018	https://doi.org/10.2478/sues-2021-0018	NOUN
ijtc-443	260	2	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-443	260	3	finance	finance	NOUN
ijtc-443	260	4	technology	technology	NOUN
ijtc-443	260	5	innovation	innovation	NOUN
ijtc-443	260	6	in	in	ADP
ijtc-443	260	7	the	the	DET
ijtc-443	260	8	finance	finance	NOUN
ijtc-443	260	9	sector	sector	NOUN
ijtc-443	260	10	:	:	PUNCT
ijtc-443	260	11	the	the	DET
ijtc-443	260	12	role	role	NOUN
ijtc-443	260	13	of	of	ADP
ijtc-443	260	14	e	e	NOUN
ijtc-443	260	15	-	-	NOUN
ijtc-443	260	16	money	money	NOUN
ijtc-443	260	17	on	on	ADP
ijtc-443	260	18	increasing	increase	VERB
ijtc-443	260	19	tax	tax	NOUN
ijtc-443	260	20	revenue	revenue	NOUN
ijtc-443	260	21	kusyeni	kusyeni	NOUN
ijtc-443	260	22	,	,	PUNCT
ijtc-443	260	23	pandoyo	pandoyo	NOUN
ijtc-443	260	24	,	,	PUNCT
ijtc-443	260	25	kumala	kumala	NOUN
ijtc-443	260	26	,	,	PUNCT
ijtc-443	260	27	and	and	CCONJ
ijtc-443	260	28	sofyan	sofyan	PROPN
ijtc-443	260	29	.	.	PUNCT
ijtc-443	261	1	149	149	NUM
ijtc-443	261	2	|	|	ADV
ijtc-443	261	3	ilomata	ilomata	PROPN
ijtc-443	261	4	international	international	ADJ
ijtc-443	261	5	journal	journal	NOUN
ijtc-443	261	6	of	of	ADP
ijtc-443	261	7	tax	tax	PROPN
ijtc-443	261	8	&	&	CCONJ
ijtc-443	261	9	accounting	accounting	PROPN
ijtc-443	261	10	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-443	261	11	pathak	pathak	PROPN
ijtc-443	261	12	,	,	PUNCT
ijtc-443	261	13	n.	n.	PROPN
ijtc-443	261	14	(	(	PUNCT
ijtc-443	261	15	2017	2017	NUM
ijtc-443	261	16	)	)	PUNCT
ijtc-443	261	17	.	.	PUNCT
ijtc-443	262	1	the	the	DET
ijtc-443	262	2	future	future	NOUN
ijtc-443	262	3	of	of	ADP
ijtc-443	262	4	ai	ai	NOUN
ijtc-443	262	5	.	.	PUNCT
ijtc-443	262	6	in	in	ADP
ijtc-443	262	7	artificial	artificial	ADJ
ijtc-443	262	8	intelligence	intelligence	NOUN
ijtc-443	262	9	for	for	ADP
ijtc-443	262	10	.net	.net	NOUN
ijtc-443	262	11	:	:	PUNCT
ijtc-443	262	12	speech	speech	NOUN
ijtc-443	262	13	,	,	PUNCT
ijtc-443	262	14	language	language	NOUN
ijtc-443	262	15	,	,	PUNCT
ijtc-443	262	16	and	and	CCONJ
ijtc-443	262	17	search	search	NOUN
ijtc-443	262	18	(	(	PUNCT
ijtc-443	262	19	pp	pp	ADJ
ijtc-443	262	20	.	.	PUNCT
ijtc-443	263	1	247–259	247–259	NUM
ijtc-443	263	2	)	)	PUNCT
ijtc-443	263	3	.	.	PUNCT
ijtc-443	264	1	apress	apress	PROPN
ijtc-443	264	2	.	.	PUNCT
ijtc-443	264	3	https://doi.org/10.1007/978-1-4842-2949-1_10	https://doi.org/10.1007/978-1-4842-2949-1_10	PROPN
ijtc-443	264	4	pizzi	pizzi	PROPN
ijtc-443	264	5	,	,	PUNCT
ijtc-443	264	6	s.	s.	PROPN
ijtc-443	264	7	,	,	PUNCT
ijtc-443	264	8	corbo	corbo	PROPN
ijtc-443	264	9	,	,	PUNCT
ijtc-443	264	10	l.	l.	PROPN
ijtc-443	264	11	,	,	PUNCT
ijtc-443	264	12	&	&	CCONJ
ijtc-443	264	13	caputo	caputo	PROPN
ijtc-443	264	14	,	,	PUNCT
ijtc-443	264	15	a.	a.	NOUN
ijtc-443	264	16	(	(	PUNCT
ijtc-443	264	17	2021	2021	NUM
ijtc-443	264	18	)	)	PUNCT
ijtc-443	264	19	.	.	PUNCT
ijtc-443	265	1	fintech	fintech	NOUN
ijtc-443	265	2	and	and	CCONJ
ijtc-443	265	3	smes	sme	NOUN
ijtc-443	265	4	sustainable	sustainable	ADJ
ijtc-443	265	5	business	business	NOUN
ijtc-443	265	6	models	model	NOUN
ijtc-443	265	7	:	:	PUNCT
ijtc-443	265	8	reflections	reflection	NOUN
ijtc-443	265	9	and	and	CCONJ
ijtc-443	265	10	considerations	consideration	NOUN
ijtc-443	265	11	for	for	ADP
ijtc-443	265	12	a	a	DET
ijtc-443	265	13	circular	circular	ADJ
ijtc-443	265	14	economy	economy	NOUN
ijtc-443	265	15	.	.	PUNCT
ijtc-443	266	1	journal	journal	NOUN
ijtc-443	266	2	of	of	ADP
ijtc-443	266	3	cleaner	clean	ADJ
ijtc-443	266	4	production	production	NOUN
ijtc-443	266	5	,	,	PUNCT
ijtc-443	266	6	281	281	NUM
ijtc-443	266	7	,	,	PUNCT
ijtc-443	266	8	125217	125217	NUM
ijtc-443	266	9	.	.	PUNCT
ijtc-443	267	1	https://doi.org/10.1016/j.jclepro.2020.125217	https://doi.org/10.1016/j.jclepro.2020.125217	PROPN
ijtc-443	267	2	putri	putri	PROPN
ijtc-443	267	3	,	,	PUNCT
ijtc-443	267	4	n.	n.	PROPN
ijtc-443	267	5	y.	y.	PROPN
ijtc-443	267	6	,	,	PUNCT
ijtc-443	267	7	ud	ud	INTJ
ijtc-443	267	8	,	,	PUNCT
ijtc-443	267	9	a.	a.	NOUN
ijtc-443	267	10	m.	m.	NOUN
ijtc-443	267	11	,	,	PUNCT
ijtc-443	267	12	&	&	CCONJ
ijtc-443	267	13	utu	utu	PROPN
ijtc-443	267	14	,	,	PUNCT
ijtc-443	267	15	l.	l.	PROPN
ijtc-443	267	16	(	(	PUNCT
ijtc-443	267	17	2021	2021	NUM
ijtc-443	267	18	)	)	PUNCT
ijtc-443	267	19	.	.	PUNCT
ijtc-443	268	1	financial	financial	ADJ
ijtc-443	268	2	technology	technology	NOUN
ijtc-443	268	3	(	(	PUNCT
ijtc-443	268	4	fintech	fintech	NOUN
ijtc-443	268	5	)	)	PUNCT
ijtc-443	268	6	berbasis	berbasis	ADP
ijtc-443	268	7	sistem	sistem	PROPN
ijtc-443	268	8	peer	peer	NOUN
ijtc-443	268	9	to	to	ADP
ijtc-443	268	10	peer	peer	NOUN
ijtc-443	268	11	lending	lending	NOUN
ijtc-443	268	12	(	(	PUNCT
ijtc-443	268	13	p2pl	p2pl	PUNCT
ijtc-443	268	14	)	)	PUNCT
ijtc-443	268	15	dalam	dalam	PROPN
ijtc-443	268	16	perspektif	perspektif	PROPN
ijtc-443	268	17	perpajakan	perpajakan	VERB
ijtc-443	268	18	.	.	PUNCT
ijtc-443	269	1	yume	yume	PROPN
ijtc-443	269	2	 	 	SPACE
ijtc-443	269	3	:	:	PUNCT
ijtc-443	269	4	journal	journal	NOUN
ijtc-443	269	5	of	of	ADP
ijtc-443	269	6	management	management	NOUN
ijtc-443	269	7	,	,	PUNCT
ijtc-443	269	8	4(2	4(2	NUM
ijtc-443	269	9	)	)	PUNCT
ijtc-443	269	10	,	,	PUNCT
ijtc-443	269	11	195–207	195–207	NUM
ijtc-443	269	12	.	.	PUNCT
ijtc-443	270	1	https://doi.org/https://doi.org/10.37531/yume.vxix.861	https://doi.org/https://doi.org/10.37531/yume.vxix.861	PROPN
ijtc-443	270	2	sasongko	sasongko	PROPN
ijtc-443	270	3	,	,	PUNCT
ijtc-443	270	4	d.	d.	PROPN
ijtc-443	270	5	t.	t.	PROPN
ijtc-443	270	6	,	,	PUNCT
ijtc-443	270	7	handayani	handayani	PROPN
ijtc-443	270	8	,	,	PUNCT
ijtc-443	270	9	p.	p.	PROPN
ijtc-443	270	10	w.	w.	PROPN
ijtc-443	270	11	,	,	PUNCT
ijtc-443	270	12	&	&	CCONJ
ijtc-443	270	13	satria	satria	PROPN
ijtc-443	270	14	,	,	PUNCT
ijtc-443	270	15	r.	r.	PROPN
ijtc-443	270	16	(	(	PUNCT
ijtc-443	270	17	2022	2022	NUM
ijtc-443	270	18	)	)	PUNCT
ijtc-443	270	19	.	.	PUNCT
ijtc-443	271	1	analysis	analysis	NOUN
ijtc-443	271	2	of	of	ADP
ijtc-443	271	3	factors	factor	NOUN
ijtc-443	271	4	affecting	affect	VERB
ijtc-443	271	5	continuance	continuance	NOUN
ijtc-443	271	6	use	use	NOUN
ijtc-443	271	7	intention	intention	NOUN
ijtc-443	271	8	of	of	ADP
ijtc-443	271	9	the	the	DET
ijtc-443	271	10	electronic	electronic	ADJ
ijtc-443	271	11	money	money	NOUN
ijtc-443	271	12	application	application	NOUN
ijtc-443	271	13	in	in	ADP
ijtc-443	271	14	indonesia	indonesia	PROPN
ijtc-443	271	15	.	.	PUNCT
ijtc-443	272	1	procedia	procedia	PROPN
ijtc-443	272	2	computer	computer	NOUN
ijtc-443	272	3	science	science	NOUN
ijtc-443	272	4	,	,	PUNCT
ijtc-443	272	5	197	197	NUM
ijtc-443	272	6	,	,	PUNCT
ijtc-443	272	7	42–50	42–50	NUM
ijtc-443	272	8	.	.	PUNCT
ijtc-443	273	1	https://doi.org/10.1016/j.procs.2021.12.116	https://doi.org/10.1016/j.procs.2021.12.116	ADJ
ijtc-443	273	2	schindler	schindler	NOUN
ijtc-443	273	3	,	,	PUNCT
ijtc-443	273	4	j.	j.	PROPN
ijtc-443	273	5	(	(	PUNCT
ijtc-443	273	6	2017	2017	NUM
ijtc-443	273	7	)	)	PUNCT
ijtc-443	273	8	.	.	PUNCT
ijtc-443	274	1	fintech	fintech	NOUN
ijtc-443	274	2	and	and	CCONJ
ijtc-443	274	3	financial	financial	ADJ
ijtc-443	274	4	innovation	innovation	NOUN
ijtc-443	274	5	:	:	PUNCT
ijtc-443	274	6	drivers	driver	NOUN
ijtc-443	274	7	and	and	CCONJ
ijtc-443	274	8	depth	depth	NOUN
ijtc-443	274	9	.	.	PUNCT
ijtc-443	275	1	finance	finance	NOUN
ijtc-443	275	2	and	and	CCONJ
ijtc-443	275	3	economics	economic	NOUN
ijtc-443	275	4	discussion	discussion	NOUN
ijtc-443	275	5	series	series	NOUN
ijtc-443	275	6	,	,	PUNCT
ijtc-443	275	7	2017(081	2017(081	NUM
ijtc-443	275	8	)	)	PUNCT
ijtc-443	275	9	.	.	PUNCT
ijtc-443	276	1	https://doi.org/10.17016/feds.2017.081	https://doi.org/10.17016/feds.2017.081	ADJ
ijtc-443	276	2	senyo	senyo	ADV
ijtc-443	276	3	,	,	PUNCT
ijtc-443	276	4	p.	p.	NOUN
ijtc-443	276	5	,	,	PUNCT
ijtc-443	276	6	&	&	CCONJ
ijtc-443	276	7	osabutey	osabutey	PROPN
ijtc-443	276	8	,	,	PUNCT
ijtc-443	276	9	e.	e.	PROPN
ijtc-443	276	10	l.	l.	PROPN
ijtc-443	276	11	c.	c.	PROPN
ijtc-443	276	12	(	(	PUNCT
ijtc-443	276	13	2020	2020	NUM
ijtc-443	276	14	)	)	PUNCT
ijtc-443	276	15	.	.	PUNCT
ijtc-443	277	1	unearthing	unearth	VERB
ijtc-443	277	2	antecedents	antecedent	NOUN
ijtc-443	277	3	to	to	ADP
ijtc-443	277	4	financial	financial	ADJ
ijtc-443	277	5	inclusion	inclusion	NOUN
ijtc-443	277	6	through	through	ADP
ijtc-443	277	7	fintech	fintech	NOUN
ijtc-443	277	8	innovations	innovation	NOUN
ijtc-443	277	9	.	.	PUNCT
ijtc-443	278	1	technovation	technovation	NOUN
ijtc-443	278	2	,	,	PUNCT
ijtc-443	278	3	98	98	NUM
ijtc-443	278	4	,	,	PUNCT
ijtc-443	278	5	102155	102155	NUM
ijtc-443	278	6	.	.	PUNCT
ijtc-443	279	1	https://doi.org/10.1016/j.technovation.2020.102155	https://doi.org/10.1016/j.technovation.2020.102155	PROPN
ijtc-443	279	2	siueia	siueia	PROPN
ijtc-443	279	3	,	,	PUNCT
ijtc-443	279	4	t.	t.	PROPN
ijtc-443	279	5	t.	t.	PROPN
ijtc-443	279	6	,	,	PUNCT
ijtc-443	279	7	wang	wang	PROPN
ijtc-443	279	8	,	,	PUNCT
ijtc-443	279	9	j.	j.	PROPN
ijtc-443	279	10	,	,	PUNCT
ijtc-443	279	11	&	&	CCONJ
ijtc-443	279	12	deladem	deladem	PROPN
ijtc-443	279	13	,	,	PUNCT
ijtc-443	279	14	t.	t.	PROPN
ijtc-443	279	15	g.	g.	PROPN
ijtc-443	279	16	(	(	PUNCT
ijtc-443	279	17	2019	2019	NUM
ijtc-443	279	18	)	)	PUNCT
ijtc-443	279	19	.	.	PUNCT
ijtc-443	280	1	corporate	corporate	ADJ
ijtc-443	280	2	social	social	ADJ
ijtc-443	280	3	responsibility	responsibility	NOUN
ijtc-443	280	4	and	and	CCONJ
ijtc-443	280	5	financial	financial	ADJ
ijtc-443	280	6	performance	performance	NOUN
ijtc-443	280	7	:	:	PUNCT
ijtc-443	280	8	a	a	DET
ijtc-443	280	9	comparative	comparative	ADJ
ijtc-443	280	10	study	study	NOUN
ijtc-443	280	11	in	in	ADP
ijtc-443	280	12	the	the	DET
ijtc-443	280	13	sub	sub	ADJ
ijtc-443	280	14	-	-	ADJ
ijtc-443	280	15	saharan	saharan	ADJ
ijtc-443	280	16	africa	africa	PROPN
ijtc-443	280	17	banking	banking	NOUN
ijtc-443	280	18	sector	sector	NOUN
ijtc-443	280	19	.	.	PUNCT
ijtc-443	281	1	journal	journal	NOUN
ijtc-443	281	2	of	of	ADP
ijtc-443	281	3	cleaner	clean	ADJ
ijtc-443	281	4	production	production	NOUN
ijtc-443	281	5	,	,	PUNCT
ijtc-443	281	6	226	226	NUM
ijtc-443	281	7	,	,	PUNCT
ijtc-443	281	8	658–668	658–668	NUM
ijtc-443	281	9	.	.	PUNCT
ijtc-443	282	1	https://doi.org/10.1016/j.jclepro.2019.04.027	https://doi.org/10.1016/j.jclepro.2019.04.027	NOUN
ijtc-443	282	2	sugandi	sugandi	NOUN
ijtc-443	282	3	,	,	PUNCT
ijtc-443	282	4	e.	e.	PROPN
ijtc-443	282	5	a.	a.	PROPN
ijtc-443	282	6	(	(	PUNCT
ijtc-443	282	7	2021	2021	NUM
ijtc-443	282	8	)	)	PUNCT
ijtc-443	282	9	.	.	PUNCT
ijtc-443	283	1	the	the	DET
ijtc-443	283	2	covid-19	covid-19	PROPN
ijtc-443	283	3	pandemic	pandemic	ADJ
ijtc-443	283	4	and	and	CCONJ
ijtc-443	283	5	indonesia	indonesia	PROPN
ijtc-443	283	6	’s	’s	PART
ijtc-443	283	7	fintech	fintech	NOUN
ijtc-443	283	8	markets	market	NOUN
ijtc-443	283	9	(	(	PUNCT
ijtc-443	283	10	no	no	NOUN
ijtc-443	283	11	.	.	NOUN
ijtc-443	283	12	1281	1281	NUM
ijtc-443	283	13	;	;	PUNCT
ijtc-443	283	14	adbi	adbi	ADJ
ijtc-443	283	15	working	working	NOUN
ijtc-443	283	16	paper	paper	NOUN
ijtc-443	283	17	series	series	NOUN
ijtc-443	283	18	)	)	PUNCT
ijtc-443	283	19	.	.	PUNCT
ijtc-443	284	1	https://www.adb.org/sites/default/files/publication/728046/adbiwp1281.pdf	https://www.adb.org/sites/default/files/publication/728046/adbiwp1281.pdf	PROPN
ijtc-443	284	2	toon	toon	PROPN
ijtc-443	284	3	,	,	PUNCT
ijtc-443	284	4	b.	b.	PROPN
ijtc-443	284	5	,	,	PUNCT
ijtc-443	284	6	le	le	PROPN
ijtc-443	284	7	-	-	NOUN
ijtc-443	284	8	nguyen	nguyen	PROPN
ijtc-443	284	9	,	,	PUNCT
ijtc-443	284	10	k.	k.	PROPN
ijtc-443	284	11	,	,	PUNCT
ijtc-443	284	12	li	li	PROPN
ijtc-443	284	13	,	,	PUNCT
ijtc-443	284	14	x.	x.	PROPN
ijtc-443	284	15	,	,	PUNCT
ijtc-443	284	16	you	you	PRON
ijtc-443	284	17	,	,	PUNCT
ijtc-443	284	18	y.-y	y.-y	VERB
ijtc-443	284	19	.	.	PROPN
ijtc-443	284	20	,	,	PUNCT
ijtc-443	284	21	&	&	CCONJ
ijtc-443	284	22	na	na	PROPN
ijtc-443	284	23	,	,	PUNCT
ijtc-443	284	24	k.-s	k.-	NOUN
ijtc-443	284	25	.	.	PUNCT
ijtc-443	285	1	(	(	PUNCT
ijtc-443	285	2	2018	2018	NUM
ijtc-443	285	3	)	)	PUNCT
ijtc-443	285	4	.	.	PUNCT
ijtc-443	286	1	study	study	NOUN
ijtc-443	286	2	of	of	ADP
ijtc-443	286	3	the	the	DET
ijtc-443	286	4	relationship	relationship	NOUN
ijtc-443	286	5	among	among	ADP
ijtc-443	286	6	mobile	mobile	ADJ
ijtc-443	286	7	payment	payment	NOUN
ijtc-443	286	8	(	(	PUNCT
ijtc-443	286	9	fintech	fintech	NOUN
ijtc-443	286	10	)	)	PUNCT
ijtc-443	286	11	,	,	PUNCT
ijtc-443	286	12	creating	create	VERB
ijtc-443	286	13	shared	share	VERB
ijtc-443	286	14	value	value	NOUN
ijtc-443	286	15	,	,	PUNCT
ijtc-443	286	16	and	and	CCONJ
ijtc-443	286	17	corporate	corporate	ADJ
ijtc-443	286	18	reputation	reputation	NOUN
ijtc-443	286	19	:	:	PUNCT
ijtc-443	286	20	evidence	evidence	NOUN
ijtc-443	286	21	in	in	ADP
ijtc-443	286	22	korea	korea	PROPN
ijtc-443	286	23	,	,	PUNCT
ijtc-443	286	24	us	we	PRON
ijtc-443	286	25	,	,	PUNCT
ijtc-443	286	26	and	and	CCONJ
ijtc-443	286	27	china	china	PROPN
ijtc-443	286	28	.	.	PUNCT
ijtc-443	287	1	international	international	ADJ
ijtc-443	287	2	conference	conference	NOUN
ijtc-443	287	3	on	on	ADP
ijtc-443	287	4	information	information	NOUN
ijtc-443	287	5	resources	resource	NOUN
ijtc-443	287	6	management	management	NOUN
ijtc-443	287	7	(	(	PUNCT
ijtc-443	287	8	conf	conf	NOUN
ijtc-443	287	9	-	-	PUNCT
ijtc-443	287	10	irm	irm	NOUN
ijtc-443	287	11	)	)	PUNCT
ijtc-443	287	12	,	,	PUNCT
ijtc-443	287	13	38	38	NUM
ijtc-443	287	14	.	.	PUNCT
ijtc-443	288	1	https://aisel.aisnet.org/cgi/viewcontent.cgi?article=1039&context=confirm2018	https://aisel.aisnet.org/cgi/viewcontent.cgi?article=1039&context=confirm2018	PROPN
ijtc-443	288	2	tualeka	tualeka	NOUN
ijtc-443	288	3	,	,	PUNCT
ijtc-443	288	4	s.	s.	PROPN
ijtc-443	288	5	h.	h.	PROPN
ijtc-443	288	6	,	,	PUNCT
ijtc-443	288	7	rokhimakhumullah	rokhimakhumullah	PROPN
ijtc-443	288	8	,	,	PUNCT
ijtc-443	288	9	d.	d.	PROPN
ijtc-443	288	10	n.	n.	PROPN
ijtc-443	288	11	f.	f.	PROPN
ijtc-443	288	12	,	,	PUNCT
ijtc-443	288	13	&	&	CCONJ
ijtc-443	288	14	ningsih	ningsih	PROPN
ijtc-443	288	15	,	,	PUNCT
ijtc-443	288	16	d.	d.	PROPN
ijtc-443	288	17	n.	n.	PROPN
ijtc-443	288	18	c.	c.	PROPN
ijtc-443	288	19	(	(	PUNCT
ijtc-443	288	20	2021	2021	NUM
ijtc-443	288	21	)	)	PUNCT
ijtc-443	288	22	.	.	PUNCT
ijtc-443	289	1	peran	peran	PROPN
ijtc-443	289	2	penggunaan	penggunaan	PROPN
ijtc-443	289	3	teknologi	teknologi	PROPN
ijtc-443	289	4	informasi	informasi	PROPN
ijtc-443	289	5	terhadap	terhadap	PROPN
ijtc-443	289	6	ketertiban	ketertiban	PROPN
ijtc-443	289	7	administrasi	administrasi	PROPN
ijtc-443	289	8	keuangan	keuangan	PROPN
ijtc-443	289	9	dan	dan	PROPN
ijtc-443	289	10	kepatuhan	kepatuhan	PROPN
ijtc-443	289	11	perpajakan	perpajakan	PROPN
ijtc-443	289	12	pada	pada	PROPN
ijtc-443	289	13	digital	digital	PROPN
ijtc-443	289	14	business	business	NOUN
ijtc-443	289	15	.	.	PUNCT
ijtc-443	290	1	jurnal	jurnal	ADJ
ijtc-443	290	2	akuntansi	akuntansi	PROPN
ijtc-443	290	3	aktual	aktual	PROPN
ijtc-443	290	4	,	,	PUNCT
ijtc-443	290	5	8(2	8(2	NUM
ijtc-443	290	6	)	)	PUNCT
ijtc-443	290	7	,	,	PUNCT
ijtc-443	290	8	97–106	97–106	NUM
ijtc-443	290	9	.	.	PUNCT
ijtc-443	291	1	https://doi.org/10.17977/um004v8i22021p097	https://doi.org/10.17977/um004v8i22021p097	PROPN
ijtc-443	291	2	wardhani	wardhani	PROPN
ijtc-443	291	3	,	,	PUNCT
ijtc-443	291	4	r.	r.	PROPN
ijtc-443	291	5	s.	s.	PROPN
ijtc-443	291	6	,	,	PUNCT
ijtc-443	291	7	awaluddin	awaluddin	ADV
ijtc-443	291	8	,	,	PUNCT
ijtc-443	291	9	m.	m.	NOUN
ijtc-443	291	10	,	,	PUNCT
ijtc-443	291	11	&	&	CCONJ
ijtc-443	291	12	reniati	reniati	PROPN
ijtc-443	291	13	.	.	PUNCT
ijtc-443	292	1	(	(	PUNCT
ijtc-443	292	2	2020	2020	NUM
ijtc-443	292	3	)	)	PUNCT
ijtc-443	292	4	.	.	PUNCT
ijtc-443	293	1	financial	financial	ADJ
ijtc-443	293	2	performance	performance	NOUN
ijtc-443	293	3	and	and	CCONJ
ijtc-443	293	4	corporate	corporate	ADJ
ijtc-443	293	5	social	social	ADJ
ijtc-443	293	6	responsibility	responsibility	NOUN
ijtc-443	293	7	on	on	ADP
ijtc-443	293	8	return	return	NOUN
ijtc-443	293	9	of	of	ADP
ijtc-443	293	10	shares	share	NOUN
ijtc-443	293	11	.	.	PUNCT
ijtc-443	294	1	jurnal	jurnal	ADJ
ijtc-443	294	2	akuntansi	akuntansi	PROPN
ijtc-443	294	3	,	,	PUNCT
ijtc-443	294	4	23(3	23(3	NUM
ijtc-443	294	5	)	)	PUNCT
ijtc-443	294	6	,	,	PUNCT
ijtc-443	294	7	409	409	NUM
ijtc-443	294	8	.	.	PUNCT
ijtc-443	295	1	https://doi.org/10.24912/ja.v23i3.611	https://doi.org/10.24912/ja.v23i3.611	PROPN
ijtc-443	295	2	yang	yang	PROPN
ijtc-443	295	3	,	,	PUNCT
ijtc-443	295	4	l.	l.	PROPN
ijtc-443	295	5	,	,	PUNCT
ijtc-443	295	6	&	&	CCONJ
ijtc-443	295	7	wang	wang	PROPN
ijtc-443	295	8	,	,	PUNCT
ijtc-443	295	9	s.	s.	PROPN
ijtc-443	295	10	(	(	PUNCT
ijtc-443	295	11	2022	2022	NUM
ijtc-443	295	12	)	)	PUNCT
ijtc-443	295	13	.	.	PUNCT
ijtc-443	296	1	do	do	AUX
ijtc-443	296	2	fintech	fintech	NOUN
ijtc-443	296	3	applications	application	NOUN
ijtc-443	296	4	promote	promote	VERB
ijtc-443	296	5	regional	regional	ADJ
ijtc-443	296	6	innovation	innovation	NOUN
ijtc-443	296	7	efficiency	efficiency	NOUN
ijtc-443	296	8	?	?	PUNCT
ijtc-443	297	1	empirical	empirical	ADJ
ijtc-443	297	2	evidence	evidence	NOUN
ijtc-443	297	3	from	from	ADP
ijtc-443	297	4	china	china	PROPN
ijtc-443	297	5	.	.	PUNCT
ijtc-443	298	1	socio	socio	NOUN
ijtc-443	298	2	-	-	PUNCT
ijtc-443	298	3	economic	economic	ADJ
ijtc-443	298	4	planning	planning	NOUN
ijtc-443	298	5	sciences	science	NOUN
ijtc-443	298	6	,	,	PUNCT
ijtc-443	298	7	101258	101258	NUM
ijtc-443	298	8	.	.	PUNCT
ijtc-443	299	1	https://doi.org/10.1016/j.seps.2022.101258	https://doi.org/10.1016/j.seps.2022.101258	PROPN
ijtc-443	299	2	zhang	zhang	PROPN
ijtc-443	299	3	,	,	PUNCT
ijtc-443	299	4	y.	y.	PROPN
ijtc-443	299	5	,	,	PUNCT
ijtc-443	299	6	chen	chen	PROPN
ijtc-443	299	7	,	,	PUNCT
ijtc-443	299	8	j.	j.	PROPN
ijtc-443	299	9	,	,	PUNCT
ijtc-443	299	10	han	han	PROPN
ijtc-443	299	11	,	,	PUNCT
ijtc-443	299	12	y.	y.	PROPN
ijtc-443	299	13	,	,	PUNCT
ijtc-443	299	14	qian	qian	PROPN
ijtc-443	299	15	,	,	PUNCT
ijtc-443	299	16	m.	m.	NOUN
ijtc-443	299	17	,	,	PUNCT
ijtc-443	299	18	guo	guo	PROPN
ijtc-443	299	19	,	,	PUNCT
ijtc-443	299	20	x.	x.	PROPN
ijtc-443	299	21	,	,	PUNCT
ijtc-443	299	22	chen	chen	PROPN
ijtc-443	299	23	,	,	PUNCT
ijtc-443	299	24	r.	r.	PROPN
ijtc-443	299	25	,	,	PUNCT
ijtc-443	299	26	xu	xu	PROPN
ijtc-443	299	27	,	,	PUNCT
ijtc-443	299	28	d.	d.	PROPN
ijtc-443	299	29	,	,	PUNCT
ijtc-443	299	30	&	&	CCONJ
ijtc-443	299	31	chen	chen	PROPN
ijtc-443	299	32	,	,	PUNCT
ijtc-443	299	33	y.	y.	PROPN
ijtc-443	299	34	(	(	PUNCT
ijtc-443	299	35	2021	2021	NUM
ijtc-443	299	36	)	)	PUNCT
ijtc-443	299	37	.	.	PUNCT
ijtc-443	300	1	the	the	DET
ijtc-443	300	2	contribution	contribution	NOUN
ijtc-443	300	3	of	of	ADP
ijtc-443	300	4	fintech	fintech	NOUN
ijtc-443	300	5	to	to	ADP
ijtc-443	300	6	sustainable	sustainable	ADJ
ijtc-443	300	7	development	development	NOUN
ijtc-443	300	8	in	in	ADP
ijtc-443	300	9	the	the	DET
ijtc-443	300	10	digital	digital	ADJ
ijtc-443	300	11	age	age	NOUN
ijtc-443	300	12	:	:	PUNCT
ijtc-443	300	13	ant	ant	ADJ
ijtc-443	300	14	forest	forest	NOUN
ijtc-443	300	15	and	and	CCONJ
ijtc-443	300	16	land	land	NOUN
ijtc-443	300	17	restoration	restoration	NOUN
ijtc-443	300	18	in	in	ADP
ijtc-443	300	19	china	china	PROPN
ijtc-443	300	20	.	.	PUNCT
ijtc-443	301	1	land	land	NOUN
ijtc-443	301	2	use	use	NOUN
ijtc-443	301	3	policy	policy	NOUN
ijtc-443	301	4	,	,	PUNCT
ijtc-443	301	5	103	103	NUM
ijtc-443	301	6	,	,	PUNCT
ijtc-443	301	7	105306	105306	NUM
ijtc-443	301	8	.	.	PUNCT
ijtc-443	302	1	https://doi.org/10.1016/j.landusepol.2021.105306	https://doi.org/10.1016/j.landusepol.2021.105306	PROPN
ijtc-443	302	2	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN