id	sid	tid	token	lemma	pos
ajst-20798	1	1	academic	academic	ADJ
ajst-20798	1	2	journal	journal	NOUN
ajst-20798	1	3	of	of	ADP
ajst-20798	1	4	science	science	NOUN
ajst-20798	1	5	and	and	CCONJ
ajst-20798	1	6	technology	technology	NOUN
ajst-20798	1	7	issn	issn	NOUN
ajst-20798	1	8	:	:	PUNCT
ajst-20798	1	9	2771	2771	NUM
ajst-20798	1	10	-	-	SYM
ajst-20798	1	11	3032	3032	NUM
ajst-20798	1	12	|	|	NOUN
ajst-20798	1	13	vol	vol	NOUN
ajst-20798	1	14	.	.	PROPN
ajst-20798	2	1	10	10	NUM
ajst-20798	2	2	,	,	PUNCT
ajst-20798	2	3	no	no	INTJ
ajst-20798	2	4	.	.	NOUN
ajst-20798	2	5	3	3	NUM
ajst-20798	2	6	,	,	PUNCT
ajst-20798	2	7	2024	2024	NUM
ajst-20798	2	8	120	120	NUM
ajst-20798	2	9	study	study	NOUN
ajst-20798	2	10	on	on	ADP
ajst-20798	2	11	prevention	prevention	NOUN
ajst-20798	2	12	and	and	CCONJ
ajst-20798	2	13	countermeasures	countermeasure	NOUN
ajst-20798	2	14	of	of	ADP
ajst-20798	2	15	payment	payment	NOUN
ajst-20798	2	16	and	and	CCONJ
ajst-20798	2	17	settlement	settlement	NOUN
ajst-20798	2	18	risks	risk	NOUN
ajst-20798	2	19	of	of	ADP
ajst-20798	2	20	commercial	commercial	ADJ
ajst-20798	2	21	banks	bank	NOUN
ajst-20798	2	22	zhi	zhi	PROPN
ajst-20798	2	23	li	li	PROPN
ajst-20798	2	24	industrial	industrial	PROPN
ajst-20798	2	25	and	and	CCONJ
ajst-20798	2	26	commercial	commercial	ADJ
ajst-20798	2	27	bank	bank	PROPN
ajst-20798	2	28	of	of	ADP
ajst-20798	2	29	china	china	PROPN
ajst-20798	2	30	(	(	PUNCT
ajst-20798	2	31	asia	asia	PROPN
ajst-20798	2	32	)	)	PUNCT
ajst-20798	2	33	limited	limited	ADJ
ajst-20798	2	34	,	,	PUNCT
ajst-20798	2	35	hongkong	hongkong	PROPN
ajst-20798	2	36	,	,	PUNCT
ajst-20798	2	37	china	china	PROPN
ajst-20798	2	38	abstract	abstract	PROPN
ajst-20798	2	39	:	:	PUNCT
ajst-20798	2	40	the	the	DET
ajst-20798	2	41	prevention	prevention	NOUN
ajst-20798	2	42	and	and	CCONJ
ajst-20798	2	43	countermeasures	countermeasure	VERB
ajst-20798	2	44	research	research	NOUN
ajst-20798	2	45	of	of	ADP
ajst-20798	2	46	commercial	commercial	ADJ
ajst-20798	2	47	banks	bank	NOUN
ajst-20798	2	48	'	'	PART
ajst-20798	2	49	payment	payment	NOUN
ajst-20798	2	50	settlement	settlement	NOUN
ajst-20798	2	51	risks	risk	NOUN
ajst-20798	2	52	have	have	AUX
ajst-20798	2	53	always	always	ADV
ajst-20798	2	54	been	be	AUX
ajst-20798	2	55	important	important	ADJ
ajst-20798	2	56	issues	issue	NOUN
ajst-20798	2	57	in	in	ADP
ajst-20798	2	58	the	the	DET
ajst-20798	2	59	financial	financial	ADJ
ajst-20798	2	60	field	field	NOUN
ajst-20798	2	61	.	.	PUNCT
ajst-20798	3	1	with	with	ADP
ajst-20798	3	2	the	the	DET
ajst-20798	3	3	rapid	rapid	ADJ
ajst-20798	3	4	development	development	NOUN
ajst-20798	3	5	of	of	ADP
ajst-20798	3	6	electronic	electronic	ADJ
ajst-20798	3	7	payments	payment	NOUN
ajst-20798	3	8	and	and	CCONJ
ajst-20798	3	9	internet	internet	NOUN
ajst-20798	3	10	finance	finance	NOUN
ajst-20798	3	11	,	,	PUNCT
ajst-20798	3	12	payment	payment	NOUN
ajst-20798	3	13	settlement	settlement	NOUN
ajst-20798	3	14	risks	risk	NOUN
ajst-20798	3	15	have	have	AUX
ajst-20798	3	16	increasingly	increasingly	ADV
ajst-20798	3	17	demonstrated	demonstrate	VERB
ajst-20798	3	18	diversified	diversified	ADJ
ajst-20798	3	19	and	and	CCONJ
ajst-20798	3	20	complex	complex	ADJ
ajst-20798	3	21	characteristics	characteristic	NOUN
ajst-20798	3	22	.	.	PUNCT
ajst-20798	4	1	this	this	DET
ajst-20798	4	2	paper	paper	NOUN
ajst-20798	4	3	aims	aim	VERB
ajst-20798	4	4	to	to	PART
ajst-20798	4	5	study	study	VERB
ajst-20798	4	6	the	the	DET
ajst-20798	4	7	prevention	prevention	NOUN
ajst-20798	4	8	and	and	CCONJ
ajst-20798	4	9	countermeasures	countermeasure	NOUN
ajst-20798	4	10	of	of	ADP
ajst-20798	4	11	payment	payment	NOUN
ajst-20798	4	12	settlement	settlement	NOUN
ajst-20798	4	13	risks	risk	NOUN
ajst-20798	4	14	in	in	ADP
ajst-20798	4	15	commercial	commercial	ADJ
ajst-20798	4	16	banks	bank	NOUN
ajst-20798	4	17	to	to	PART
ajst-20798	4	18	enhance	enhance	VERB
ajst-20798	4	19	the	the	DET
ajst-20798	4	20	security	security	NOUN
ajst-20798	4	21	and	and	CCONJ
ajst-20798	4	22	stability	stability	NOUN
ajst-20798	4	23	of	of	ADP
ajst-20798	4	24	their	their	PRON
ajst-20798	4	25	payment	payment	NOUN
ajst-20798	4	26	settlement	settlement	NOUN
ajst-20798	4	27	business	business	NOUN
ajst-20798	4	28	.	.	PUNCT
ajst-20798	5	1	through	through	ADP
ajst-20798	5	2	the	the	DET
ajst-20798	5	3	analysis	analysis	NOUN
ajst-20798	5	4	of	of	ADP
ajst-20798	5	5	the	the	DET
ajst-20798	5	6	concept	concept	NOUN
ajst-20798	5	7	,	,	PUNCT
ajst-20798	5	8	characteristics	characteristic	NOUN
ajst-20798	5	9	,	,	PUNCT
ajst-20798	5	10	and	and	CCONJ
ajst-20798	5	11	influencing	influence	VERB
ajst-20798	5	12	factors	factor	NOUN
ajst-20798	5	13	of	of	ADP
ajst-20798	5	14	payment	payment	NOUN
ajst-20798	5	15	settlement	settlement	NOUN
ajst-20798	5	16	risks	risk	NOUN
ajst-20798	5	17	,	,	PUNCT
ajst-20798	5	18	various	various	ADJ
ajst-20798	5	19	prevention	prevention	NOUN
ajst-20798	5	20	strategies	strategy	NOUN
ajst-20798	5	21	are	be	AUX
ajst-20798	5	22	discussed	discuss	VERB
ajst-20798	5	23	.	.	PUNCT
ajst-20798	6	1	furthermore	furthermore	ADV
ajst-20798	6	2	,	,	PUNCT
ajst-20798	6	3	methods	method	NOUN
ajst-20798	6	4	and	and	CCONJ
ajst-20798	6	5	tools	tool	NOUN
ajst-20798	6	6	for	for	ADP
ajst-20798	6	7	risk	risk	NOUN
ajst-20798	6	8	assessment	assessment	NOUN
ajst-20798	6	9	and	and	CCONJ
ajst-20798	6	10	monitoring	monitoring	NOUN
ajst-20798	6	11	,	,	PUNCT
ajst-20798	6	12	as	as	ADV
ajst-20798	6	13	well	well	ADV
ajst-20798	6	14	as	as	ADP
ajst-20798	6	15	optimization	optimization	NOUN
ajst-20798	6	16	and	and	CCONJ
ajst-20798	6	17	innovation	innovation	NOUN
ajst-20798	6	18	directions	direction	NOUN
ajst-20798	6	19	for	for	ADP
ajst-20798	6	20	risk	risk	NOUN
ajst-20798	6	21	management	management	NOUN
ajst-20798	6	22	of	of	ADP
ajst-20798	6	23	payment	payment	NOUN
ajst-20798	6	24	settlement	settlement	NOUN
ajst-20798	6	25	in	in	ADP
ajst-20798	6	26	commercial	commercial	ADJ
ajst-20798	6	27	banks	bank	NOUN
ajst-20798	6	28	,	,	PUNCT
ajst-20798	6	29	are	be	AUX
ajst-20798	6	30	explored	explore	VERB
ajst-20798	6	31	.	.	PUNCT
ajst-20798	7	1	this	this	DET
ajst-20798	7	2	paper	paper	NOUN
ajst-20798	7	3	aims	aim	VERB
ajst-20798	7	4	to	to	PART
ajst-20798	7	5	provide	provide	VERB
ajst-20798	7	6	theoretical	theoretical	ADJ
ajst-20798	7	7	support	support	NOUN
ajst-20798	7	8	and	and	CCONJ
ajst-20798	7	9	practical	practical	ADJ
ajst-20798	7	10	guidance	guidance	NOUN
ajst-20798	7	11	for	for	ADP
ajst-20798	7	12	the	the	DET
ajst-20798	7	13	management	management	NOUN
ajst-20798	7	14	of	of	ADP
ajst-20798	7	15	payment	payment	NOUN
ajst-20798	7	16	settlement	settlement	NOUN
ajst-20798	7	17	risks	risk	NOUN
ajst-20798	7	18	in	in	ADP
ajst-20798	7	19	commercial	commercial	ADJ
ajst-20798	7	20	banks	bank	NOUN
ajst-20798	7	21	.	.	PUNCT
ajst-20798	8	1	keywords	keyword	NOUN
ajst-20798	8	2	:	:	PUNCT
ajst-20798	8	3	commercial	commercial	ADJ
ajst-20798	8	4	banks	bank	NOUN
ajst-20798	8	5	,	,	PUNCT
ajst-20798	8	6	payment	payment	NOUN
ajst-20798	8	7	settlement	settlement	NOUN
ajst-20798	8	8	risks	risk	NOUN
ajst-20798	8	9	,	,	PUNCT
ajst-20798	8	10	prevention	prevention	NOUN
ajst-20798	8	11	and	and	CCONJ
ajst-20798	8	12	countermeasures	countermeasure	NOUN
ajst-20798	8	13	,	,	PUNCT
ajst-20798	8	14	risk	risk	NOUN
ajst-20798	8	15	management	management	NOUN
ajst-20798	8	16	.	.	PUNCT
ajst-20798	9	1	1	1	X
ajst-20798	9	2	.	.	X
ajst-20798	9	3	introduction	introduction	NOUN
ajst-20798	9	4	with	with	ADP
ajst-20798	9	5	the	the	DET
ajst-20798	9	6	continuous	continuous	ADJ
ajst-20798	9	7	development	development	NOUN
ajst-20798	9	8	and	and	CCONJ
ajst-20798	9	9	innovation	innovation	NOUN
ajst-20798	9	10	of	of	ADP
ajst-20798	9	11	modern	modern	ADJ
ajst-20798	9	12	finance	finance	NOUN
ajst-20798	9	13	,	,	PUNCT
ajst-20798	9	14	commercial	commercial	ADJ
ajst-20798	9	15	banks	bank	NOUN
ajst-20798	9	16	'	'	PART
ajst-20798	9	17	payment	payment	NOUN
ajst-20798	9	18	settlement	settlement	NOUN
ajst-20798	9	19	business	business	NOUN
ajst-20798	9	20	plays	play	VERB
ajst-20798	9	21	an	an	DET
ajst-20798	9	22	important	important	ADJ
ajst-20798	9	23	role	role	NOUN
ajst-20798	9	24	in	in	ADP
ajst-20798	9	25	promoting	promote	VERB
ajst-20798	9	26	economic	economic	ADJ
ajst-20798	9	27	development	development	NOUN
ajst-20798	9	28	and	and	CCONJ
ajst-20798	9	29	facilitating	facilitate	VERB
ajst-20798	9	30	people	people	NOUN
ajst-20798	9	31	's	's	PART
ajst-20798	9	32	lives	life	NOUN
ajst-20798	9	33	.	.	PUNCT
ajst-20798	10	1	however	however	ADV
ajst-20798	10	2	,	,	PUNCT
ajst-20798	10	3	accompanying	accompany	VERB
ajst-20798	10	4	the	the	DET
ajst-20798	10	5	development	development	NOUN
ajst-20798	10	6	are	be	AUX
ajst-20798	10	7	increasingly	increasingly	ADV
ajst-20798	10	8	prominent	prominent	ADJ
ajst-20798	10	9	payment	payment	NOUN
ajst-20798	10	10	settlement	settlement	NOUN
ajst-20798	10	11	risk	risk	NOUN
ajst-20798	10	12	issues	issue	NOUN
ajst-20798	10	13	.	.	PUNCT
ajst-20798	11	1	payment	payment	NOUN
ajst-20798	11	2	settlement	settlement	NOUN
ajst-20798	11	3	risks	risk	NOUN
ajst-20798	11	4	in	in	ADP
ajst-20798	11	5	commercial	commercial	ADJ
ajst-20798	11	6	banks	bank	NOUN
ajst-20798	11	7	may	may	AUX
ajst-20798	11	8	not	not	PART
ajst-20798	11	9	only	only	ADV
ajst-20798	11	10	lead	lead	VERB
ajst-20798	11	11	to	to	ADP
ajst-20798	11	12	instability	instability	NOUN
ajst-20798	11	13	in	in	ADP
ajst-20798	11	14	the	the	DET
ajst-20798	11	15	financial	financial	ADJ
ajst-20798	11	16	system	system	NOUN
ajst-20798	11	17	but	but	CCONJ
ajst-20798	11	18	also	also	ADV
ajst-20798	11	19	pose	pose	VERB
ajst-20798	11	20	serious	serious	ADJ
ajst-20798	11	21	threats	threat	NOUN
ajst-20798	11	22	to	to	ADP
ajst-20798	11	23	the	the	DET
ajst-20798	11	24	security	security	NOUN
ajst-20798	11	25	of	of	ADP
ajst-20798	11	26	individuals	individual	NOUN
ajst-20798	11	27	and	and	CCONJ
ajst-20798	11	28	enterprises	enterprise	NOUN
ajst-20798	11	29	'	'	PART
ajst-20798	11	30	assets	asset	NOUN
ajst-20798	11	31	.	.	PUNCT
ajst-20798	12	1	therefore	therefore	ADV
ajst-20798	12	2	,	,	PUNCT
ajst-20798	12	3	strengthening	strengthen	VERB
ajst-20798	12	4	the	the	DET
ajst-20798	12	5	prevention	prevention	NOUN
ajst-20798	12	6	and	and	CCONJ
ajst-20798	12	7	management	management	NOUN
ajst-20798	12	8	of	of	ADP
ajst-20798	12	9	payment	payment	NOUN
ajst-20798	12	10	settlement	settlement	NOUN
ajst-20798	12	11	risks	risk	NOUN
ajst-20798	12	12	in	in	ADP
ajst-20798	12	13	commercial	commercial	ADJ
ajst-20798	12	14	banks	bank	NOUN
ajst-20798	12	15	is	be	AUX
ajst-20798	12	16	of	of	ADP
ajst-20798	12	17	great	great	ADJ
ajst-20798	12	18	significance	significance	NOUN
ajst-20798	12	19	.	.	PUNCT
ajst-20798	13	1	this	this	DET
ajst-20798	13	2	paper	paper	NOUN
ajst-20798	13	3	aims	aim	VERB
ajst-20798	13	4	to	to	PART
ajst-20798	13	5	explore	explore	VERB
ajst-20798	13	6	the	the	DET
ajst-20798	13	7	nature	nature	NOUN
ajst-20798	13	8	and	and	CCONJ
ajst-20798	13	9	prevention	prevention	NOUN
ajst-20798	13	10	strategies	strategy	NOUN
ajst-20798	13	11	of	of	ADP
ajst-20798	13	12	payment	payment	NOUN
ajst-20798	13	13	settlement	settlement	NOUN
ajst-20798	13	14	risks	risk	NOUN
ajst-20798	13	15	in	in	ADP
ajst-20798	13	16	commercial	commercial	ADJ
ajst-20798	13	17	banks	bank	NOUN
ajst-20798	13	18	from	from	ADP
ajst-20798	13	19	a	a	DET
ajst-20798	13	20	conceptual	conceptual	ADJ
ajst-20798	13	21	perspective	perspective	NOUN
ajst-20798	13	22	,	,	PUNCT
ajst-20798	13	23	providing	provide	VERB
ajst-20798	13	24	reference	reference	NOUN
ajst-20798	13	25	and	and	CCONJ
ajst-20798	13	26	guidance	guidance	NOUN
ajst-20798	13	27	for	for	ADP
ajst-20798	13	28	relevant	relevant	ADJ
ajst-20798	13	29	practitioners	practitioner	NOUN
ajst-20798	13	30	and	and	CCONJ
ajst-20798	13	31	decision	decision	NOUN
ajst-20798	13	32	-	-	PUNCT
ajst-20798	13	33	makers	maker	NOUN
ajst-20798	13	34	.	.	PUNCT
ajst-20798	14	1	through	through	ADP
ajst-20798	14	2	comprehensive	comprehensive	ADJ
ajst-20798	14	3	understanding	understanding	NOUN
ajst-20798	14	4	and	and	CCONJ
ajst-20798	14	5	effective	effective	ADJ
ajst-20798	14	6	response	response	NOUN
ajst-20798	14	7	to	to	ADP
ajst-20798	14	8	payment	payment	NOUN
ajst-20798	14	9	settlement	settlement	NOUN
ajst-20798	14	10	risks	risk	NOUN
ajst-20798	14	11	,	,	PUNCT
ajst-20798	14	12	the	the	DET
ajst-20798	14	13	security	security	NOUN
ajst-20798	14	14	,	,	PUNCT
ajst-20798	14	15	reliability	reliability	NOUN
ajst-20798	14	16	,	,	PUNCT
ajst-20798	14	17	and	and	CCONJ
ajst-20798	14	18	stability	stability	NOUN
ajst-20798	14	19	of	of	ADP
ajst-20798	14	20	commercial	commercial	ADJ
ajst-20798	14	21	banks	bank	NOUN
ajst-20798	14	22	'	'	PART
ajst-20798	14	23	payment	payment	NOUN
ajst-20798	14	24	settlement	settlement	NOUN
ajst-20798	14	25	business	business	NOUN
ajst-20798	14	26	can	can	AUX
ajst-20798	14	27	be	be	AUX
ajst-20798	14	28	enhanced	enhance	VERB
ajst-20798	14	29	,	,	PUNCT
ajst-20798	14	30	promoting	promote	VERB
ajst-20798	14	31	the	the	DET
ajst-20798	14	32	healthy	healthy	ADJ
ajst-20798	14	33	development	development	NOUN
ajst-20798	14	34	of	of	ADP
ajst-20798	14	35	the	the	DET
ajst-20798	14	36	financial	financial	ADJ
ajst-20798	14	37	system	system	NOUN
ajst-20798	14	38	.	.	PUNCT
ajst-20798	15	1	2	2	X
ajst-20798	15	2	.	.	PUNCT
ajst-20798	15	3	payment	payment	NOUN
ajst-20798	15	4	settlement	settlement	NOUN
ajst-20798	15	5	risk	risk	NOUN
ajst-20798	15	6	definition	definition	NOUN
ajst-20798	15	7	and	and	CCONJ
ajst-20798	15	8	classification	classification	NOUN
ajst-20798	15	9	2.1	2.1	NUM
ajst-20798	15	10	.	.	PUNCT
ajst-20798	16	1	concept	concept	NOUN
ajst-20798	16	2	of	of	ADP
ajst-20798	16	3	payment	payment	NOUN
ajst-20798	16	4	settlement	settlement	NOUN
ajst-20798	16	5	risk	risk	NOUN
ajst-20798	16	6	the	the	DET
ajst-20798	16	7	concept	concept	NOUN
ajst-20798	16	8	of	of	ADP
ajst-20798	16	9	payment	payment	NOUN
ajst-20798	16	10	settlement	settlement	NOUN
ajst-20798	16	11	risk	risk	NOUN
ajst-20798	16	12	is	be	AUX
ajst-20798	16	13	an	an	DET
ajst-20798	16	14	important	important	ADJ
ajst-20798	16	15	and	and	CCONJ
ajst-20798	16	16	complex	complex	ADJ
ajst-20798	16	17	one	one	NUM
ajst-20798	16	18	in	in	ADP
ajst-20798	16	19	the	the	DET
ajst-20798	16	20	financial	financial	ADJ
ajst-20798	16	21	domain	domain	NOUN
ajst-20798	16	22	,	,	PUNCT
ajst-20798	16	23	encompassing	encompass	VERB
ajst-20798	16	24	various	various	ADJ
ajst-20798	16	25	potential	potential	ADJ
ajst-20798	16	26	risks	risk	NOUN
ajst-20798	16	27	and	and	CCONJ
ajst-20798	16	28	uncertainties	uncertainty	NOUN
ajst-20798	16	29	that	that	PRON
ajst-20798	16	30	may	may	AUX
ajst-20798	16	31	arise	arise	VERB
ajst-20798	16	32	during	during	ADP
ajst-20798	16	33	payment	payment	NOUN
ajst-20798	16	34	and	and	CCONJ
ajst-20798	16	35	settlement	settlement	NOUN
ajst-20798	16	36	processes	process	NOUN
ajst-20798	16	37	.	.	PUNCT
ajst-20798	17	1	in	in	ADP
ajst-20798	17	2	the	the	DET
ajst-20798	17	3	modern	modern	ADJ
ajst-20798	17	4	financial	financial	ADJ
ajst-20798	17	5	system	system	NOUN
ajst-20798	17	6	,	,	PUNCT
ajst-20798	17	7	payment	payment	NOUN
ajst-20798	17	8	settlement	settlement	NOUN
ajst-20798	17	9	is	be	AUX
ajst-20798	17	10	one	one	NUM
ajst-20798	17	11	of	of	ADP
ajst-20798	17	12	the	the	DET
ajst-20798	17	13	core	core	ADJ
ajst-20798	17	14	components	component	NOUN
ajst-20798	17	15	of	of	ADP
ajst-20798	17	16	financial	financial	ADJ
ajst-20798	17	17	activities	activity	NOUN
ajst-20798	17	18	,	,	PUNCT
ajst-20798	17	19	involving	involve	VERB
ajst-20798	17	20	the	the	DET
ajst-20798	17	21	movement	movement	NOUN
ajst-20798	17	22	and	and	CCONJ
ajst-20798	17	23	clearance	clearance	NOUN
ajst-20798	17	24	of	of	ADP
ajst-20798	17	25	substantial	substantial	ADJ
ajst-20798	17	26	funds	fund	NOUN
ajst-20798	17	27	.	.	PUNCT
ajst-20798	18	1	the	the	DET
ajst-20798	18	2	occurrence	occurrence	NOUN
ajst-20798	18	3	of	of	ADP
ajst-20798	18	4	payment	payment	NOUN
ajst-20798	18	5	settlement	settlement	NOUN
ajst-20798	18	6	risk	risk	NOUN
ajst-20798	18	7	may	may	AUX
ajst-20798	18	8	be	be	AUX
ajst-20798	18	9	influenced	influence	VERB
ajst-20798	18	10	by	by	ADP
ajst-20798	18	11	multiple	multiple	ADJ
ajst-20798	18	12	factors	factor	NOUN
ajst-20798	18	13	,	,	PUNCT
ajst-20798	18	14	primarily	primarily	ADV
ajst-20798	18	15	including	include	VERB
ajst-20798	18	16	:	:	PUNCT
ajst-20798	18	17	market	market	NOUN
ajst-20798	18	18	fluctuations	fluctuation	NOUN
ajst-20798	18	19	:	:	PUNCT
ajst-20798	18	20	the	the	DET
ajst-20798	18	21	instability	instability	NOUN
ajst-20798	18	22	and	and	CCONJ
ajst-20798	18	23	volatility	volatility	NOUN
ajst-20798	18	24	of	of	ADP
ajst-20798	18	25	financial	financial	ADJ
ajst-20798	18	26	markets	market	NOUN
ajst-20798	18	27	may	may	AUX
ajst-20798	18	28	lead	lead	VERB
ajst-20798	18	29	to	to	ADP
ajst-20798	18	30	an	an	DET
ajst-20798	18	31	increase	increase	NOUN
ajst-20798	18	32	in	in	ADP
ajst-20798	18	33	payment	payment	NOUN
ajst-20798	18	34	settlement	settlement	NOUN
ajst-20798	18	35	risk	risk	NOUN
ajst-20798	18	36	.	.	PUNCT
ajst-20798	19	1	for	for	ADP
ajst-20798	19	2	example	example	NOUN
ajst-20798	19	3	,	,	PUNCT
ajst-20798	19	4	fluctuations	fluctuation	NOUN
ajst-20798	19	5	in	in	ADP
ajst-20798	19	6	exchange	exchange	NOUN
ajst-20798	19	7	rates	rate	NOUN
ajst-20798	19	8	,	,	PUNCT
ajst-20798	19	9	interest	interest	NOUN
ajst-20798	19	10	rates	rate	NOUN
ajst-20798	19	11	,	,	PUNCT
ajst-20798	19	12	and	and	CCONJ
ajst-20798	19	13	commodity	commodity	NOUN
ajst-20798	19	14	prices	price	NOUN
ajst-20798	19	15	can	can	AUX
ajst-20798	19	16	affect	affect	VERB
ajst-20798	19	17	the	the	DET
ajst-20798	19	18	settlement	settlement	NOUN
ajst-20798	19	19	and	and	CCONJ
ajst-20798	19	20	clearance	clearance	NOUN
ajst-20798	19	21	processes	process	NOUN
ajst-20798	19	22	of	of	ADP
ajst-20798	19	23	funds	fund	NOUN
ajst-20798	19	24	,	,	PUNCT
ajst-20798	19	25	thereby	thereby	ADV
ajst-20798	19	26	increasing	increase	VERB
ajst-20798	19	27	the	the	DET
ajst-20798	19	28	risks	risk	NOUN
ajst-20798	19	29	faced	face	VERB
ajst-20798	19	30	by	by	ADP
ajst-20798	19	31	transaction	transaction	NOUN
ajst-20798	19	32	participants	participant	NOUN
ajst-20798	19	33	.	.	PUNCT
ajst-20798	20	1	technological	technological	ADJ
ajst-20798	20	2	malfunctions	malfunction	NOUN
ajst-20798	20	3	:	:	PUNCT
ajst-20798	20	4	with	with	ADP
ajst-20798	20	5	the	the	DET
ajst-20798	20	6	advancement	advancement	NOUN
ajst-20798	20	7	of	of	ADP
ajst-20798	20	8	financial	financial	ADJ
ajst-20798	20	9	technology	technology	NOUN
ajst-20798	20	10	,	,	PUNCT
ajst-20798	20	11	electronic	electronic	ADJ
ajst-20798	20	12	payment	payment	NOUN
ajst-20798	20	13	and	and	CCONJ
ajst-20798	20	14	settlement	settlement	NOUN
ajst-20798	20	15	systems	system	NOUN
ajst-20798	20	16	have	have	AUX
ajst-20798	20	17	become	become	VERB
ajst-20798	20	18	the	the	DET
ajst-20798	20	19	primary	primary	ADJ
ajst-20798	20	20	means	mean	NOUN
ajst-20798	20	21	of	of	ADP
ajst-20798	20	22	payment	payment	NOUN
ajst-20798	20	23	and	and	CCONJ
ajst-20798	20	24	settlement	settlement	NOUN
ajst-20798	20	25	.	.	PUNCT
ajst-20798	21	1	however	however	ADV
ajst-20798	21	2	,	,	PUNCT
ajst-20798	21	3	issues	issue	NOUN
ajst-20798	21	4	such	such	ADJ
ajst-20798	21	5	as	as	ADP
ajst-20798	21	6	technological	technological	ADJ
ajst-20798	21	7	malfunctions	malfunction	NOUN
ajst-20798	21	8	,	,	PUNCT
ajst-20798	21	9	cyberattacks	cyberattack	NOUN
ajst-20798	21	10	,	,	PUNCT
ajst-20798	21	11	or	or	CCONJ
ajst-20798	21	12	system	system	NOUN
ajst-20798	21	13	errors	error	NOUN
ajst-20798	21	14	may	may	AUX
ajst-20798	21	15	result	result	VERB
ajst-20798	21	16	in	in	ADP
ajst-20798	21	17	interruptions	interruption	NOUN
ajst-20798	21	18	or	or	CCONJ
ajst-20798	21	19	delays	delay	NOUN
ajst-20798	21	20	in	in	ADP
ajst-20798	21	21	payment	payment	NOUN
ajst-20798	21	22	and	and	CCONJ
ajst-20798	21	23	settlement	settlement	NOUN
ajst-20798	21	24	processes	process	NOUN
ajst-20798	21	25	,	,	PUNCT
ajst-20798	21	26	thereby	thereby	ADV
ajst-20798	21	27	increasing	increase	VERB
ajst-20798	21	28	the	the	DET
ajst-20798	21	29	probability	probability	NOUN
ajst-20798	21	30	of	of	ADP
ajst-20798	21	31	payment	payment	NOUN
ajst-20798	21	32	settlement	settlement	NOUN
ajst-20798	21	33	risk	risk	NOUN
ajst-20798	21	34	.	.	PUNCT
ajst-20798	22	1	fraudulent	fraudulent	ADJ
ajst-20798	22	2	activities	activity	NOUN
ajst-20798	22	3	:	:	PUNCT
ajst-20798	22	4	malevolent	malevolent	ADJ
ajst-20798	22	5	entities	entity	NOUN
ajst-20798	22	6	may	may	AUX
ajst-20798	22	7	exploit	exploit	VERB
ajst-20798	22	8	vulnerabilities	vulnerability	NOUN
ajst-20798	22	9	in	in	ADP
ajst-20798	22	10	payment	payment	NOUN
ajst-20798	22	11	and	and	CCONJ
ajst-20798	22	12	settlement	settlement	NOUN
ajst-20798	22	13	systems	system	NOUN
ajst-20798	22	14	to	to	PART
ajst-20798	22	15	engage	engage	VERB
ajst-20798	22	16	in	in	ADP
ajst-20798	22	17	fraudulent	fraudulent	ADJ
ajst-20798	22	18	activities	activity	NOUN
ajst-20798	22	19	,	,	PUNCT
ajst-20798	22	20	such	such	ADJ
ajst-20798	22	21	as	as	ADP
ajst-20798	22	22	credit	credit	NOUN
ajst-20798	22	23	card	card	NOUN
ajst-20798	22	24	fraud	fraud	NOUN
ajst-20798	22	25	or	or	CCONJ
ajst-20798	22	26	false	false	ADJ
ajst-20798	22	27	transactions	transaction	NOUN
ajst-20798	22	28	,	,	PUNCT
ajst-20798	22	29	resulting	result	VERB
ajst-20798	22	30	in	in	ADP
ajst-20798	22	31	financial	financial	ADJ
ajst-20798	22	32	losses	loss	NOUN
ajst-20798	22	33	and	and	CCONJ
ajst-20798	22	34	increased	increase	VERB
ajst-20798	22	35	credit	credit	NOUN
ajst-20798	22	36	risks	risk	NOUN
ajst-20798	22	37	.	.	PUNCT
ajst-20798	23	1	changes	change	NOUN
ajst-20798	23	2	in	in	ADP
ajst-20798	23	3	laws	law	NOUN
ajst-20798	23	4	and	and	CCONJ
ajst-20798	23	5	regulations	regulation	NOUN
ajst-20798	23	6	:	:	PUNCT
ajst-20798	23	7	payment	payment	NOUN
ajst-20798	23	8	and	and	CCONJ
ajst-20798	23	9	settlement	settlement	NOUN
ajst-20798	23	10	operations	operation	NOUN
ajst-20798	23	11	are	be	AUX
ajst-20798	23	12	subject	subject	ADJ
ajst-20798	23	13	to	to	ADP
ajst-20798	23	14	national	national	ADJ
ajst-20798	23	15	laws	law	NOUN
ajst-20798	23	16	and	and	CCONJ
ajst-20798	23	17	regulations	regulation	NOUN
ajst-20798	23	18	,	,	PUNCT
ajst-20798	23	19	and	and	CCONJ
ajst-20798	23	20	changes	change	NOUN
ajst-20798	23	21	in	in	ADP
ajst-20798	23	22	relevant	relevant	ADJ
ajst-20798	23	23	laws	law	NOUN
ajst-20798	23	24	and	and	CCONJ
ajst-20798	23	25	regulations	regulation	NOUN
ajst-20798	23	26	may	may	AUX
ajst-20798	23	27	affect	affect	VERB
ajst-20798	23	28	the	the	DET
ajst-20798	23	29	processes	process	NOUN
ajst-20798	23	30	and	and	CCONJ
ajst-20798	23	31	rules	rule	NOUN
ajst-20798	23	32	of	of	ADP
ajst-20798	23	33	payment	payment	NOUN
ajst-20798	23	34	settlement	settlement	NOUN
ajst-20798	23	35	,	,	PUNCT
ajst-20798	23	36	increasing	increase	VERB
ajst-20798	23	37	the	the	DET
ajst-20798	23	38	legal	legal	ADJ
ajst-20798	23	39	and	and	CCONJ
ajst-20798	23	40	compliance	compliance	NOUN
ajst-20798	23	41	risks	risk	NOUN
ajst-20798	23	42	faced	face	VERB
ajst-20798	23	43	by	by	ADP
ajst-20798	23	44	transaction	transaction	NOUN
ajst-20798	23	45	participants	participant	NOUN
ajst-20798	23	46	.	.	PUNCT
ajst-20798	24	1	in	in	ADP
ajst-20798	24	2	summary	summary	NOUN
ajst-20798	24	3	,	,	PUNCT
ajst-20798	24	4	payment	payment	NOUN
ajst-20798	24	5	settlement	settlement	NOUN
ajst-20798	24	6	risk	risk	NOUN
ajst-20798	24	7	not	not	PART
ajst-20798	24	8	only	only	ADV
ajst-20798	24	9	involves	involve	VERB
ajst-20798	24	10	the	the	DET
ajst-20798	24	11	movement	movement	NOUN
ajst-20798	24	12	and	and	CCONJ
ajst-20798	24	13	clearance	clearance	NOUN
ajst-20798	24	14	of	of	ADP
ajst-20798	24	15	funds	fund	NOUN
ajst-20798	24	16	but	but	CCONJ
ajst-20798	24	17	also	also	ADV
ajst-20798	24	18	encompasses	encompass	VERB
ajst-20798	24	19	various	various	ADJ
ajst-20798	24	20	aspects	aspect	NOUN
ajst-20798	24	21	such	such	ADJ
ajst-20798	24	22	as	as	ADP
ajst-20798	24	23	market	market	NOUN
ajst-20798	24	24	risk	risk	NOUN
ajst-20798	24	25	,	,	PUNCT
ajst-20798	24	26	technological	technological	ADJ
ajst-20798	24	27	risk	risk	NOUN
ajst-20798	24	28	,	,	PUNCT
ajst-20798	24	29	credit	credit	NOUN
ajst-20798	24	30	risk	risk	NOUN
ajst-20798	24	31	,	,	PUNCT
ajst-20798	24	32	and	and	CCONJ
ajst-20798	24	33	legal	legal	ADJ
ajst-20798	24	34	risk	risk	NOUN
ajst-20798	24	35	.	.	PUNCT
ajst-20798	25	1	effectively	effectively	ADV
ajst-20798	25	2	managing	manage	VERB
ajst-20798	25	3	and	and	CCONJ
ajst-20798	25	4	controlling	control	VERB
ajst-20798	25	5	payment	payment	NOUN
ajst-20798	25	6	settlement	settlement	NOUN
ajst-20798	25	7	risk	risk	NOUN
ajst-20798	25	8	is	be	AUX
ajst-20798	25	9	crucial	crucial	ADJ
ajst-20798	25	10	for	for	ADP
ajst-20798	25	11	safeguarding	safeguard	VERB
ajst-20798	25	12	the	the	DET
ajst-20798	25	13	stability	stability	NOUN
ajst-20798	25	14	of	of	ADP
ajst-20798	25	15	financial	financial	ADJ
ajst-20798	25	16	markets	market	NOUN
ajst-20798	25	17	and	and	CCONJ
ajst-20798	25	18	the	the	DET
ajst-20798	25	19	interests	interest	NOUN
ajst-20798	25	20	of	of	ADP
ajst-20798	25	21	participants	participant	NOUN
ajst-20798	25	22	.	.	PUNCT
ajst-20798	26	1	by	by	ADP
ajst-20798	26	2	establishing	establish	VERB
ajst-20798	26	3	sound	sound	ADJ
ajst-20798	26	4	risk	risk	NOUN
ajst-20798	26	5	management	management	NOUN
ajst-20798	26	6	systems	system	NOUN
ajst-20798	26	7	,	,	PUNCT
ajst-20798	26	8	strengthening	strengthen	VERB
ajst-20798	26	9	technological	technological	ADJ
ajst-20798	26	10	and	and	CCONJ
ajst-20798	26	11	security	security	NOUN
ajst-20798	26	12	measures	measure	NOUN
ajst-20798	26	13	,	,	PUNCT
ajst-20798	26	14	and	and	CCONJ
ajst-20798	26	15	enhancing	enhance	VERB
ajst-20798	26	16	regulatory	regulatory	ADJ
ajst-20798	26	17	and	and	CCONJ
ajst-20798	26	18	compliance	compliance	NOUN
ajst-20798	26	19	management	management	NOUN
ajst-20798	26	20	,	,	PUNCT
ajst-20798	26	21	the	the	DET
ajst-20798	26	22	probability	probability	NOUN
ajst-20798	26	23	of	of	ADP
ajst-20798	26	24	payment	payment	NOUN
ajst-20798	26	25	settlement	settlement	NOUN
ajst-20798	26	26	risk	risk	NOUN
ajst-20798	26	27	occurrence	occurrence	NOUN
ajst-20798	26	28	can	can	AUX
ajst-20798	26	29	be	be	AUX
ajst-20798	26	30	effectively	effectively	ADV
ajst-20798	26	31	reduced	reduce	VERB
ajst-20798	26	32	,	,	PUNCT
ajst-20798	26	33	ensuring	ensure	VERB
ajst-20798	26	34	the	the	DET
ajst-20798	26	35	robust	robust	ADJ
ajst-20798	26	36	operation	operation	NOUN
ajst-20798	26	37	of	of	ADP
ajst-20798	26	38	the	the	DET
ajst-20798	26	39	financial	financial	NOUN
ajst-20798	26	40	system[1	system[1	PROPN
ajst-20798	26	41	]	]	X
ajst-20798	26	42	.	.	PUNCT
ajst-20798	27	1	2.2	2.2	NUM
ajst-20798	27	2	.	.	PUNCT
ajst-20798	28	1	different	different	ADJ
ajst-20798	28	2	types	type	NOUN
ajst-20798	28	3	of	of	ADP
ajst-20798	28	4	payment	payment	NOUN
ajst-20798	28	5	settlement	settlement	NOUN
ajst-20798	28	6	risks	risk	VERB
ajst-20798	28	7	payment	payment	NOUN
ajst-20798	28	8	settlement	settlement	NOUN
ajst-20798	28	9	risk	risk	NOUN
ajst-20798	28	10	is	be	AUX
ajst-20798	28	11	a	a	DET
ajst-20798	28	12	critical	critical	ADJ
ajst-20798	28	13	concept	concept	NOUN
ajst-20798	28	14	in	in	ADP
ajst-20798	28	15	the	the	DET
ajst-20798	28	16	financial	financial	ADJ
ajst-20798	28	17	domain	domain	NOUN
ajst-20798	28	18	,	,	PUNCT
ajst-20798	28	19	involving	involve	VERB
ajst-20798	28	20	various	various	ADJ
ajst-20798	28	21	potential	potential	ADJ
ajst-20798	28	22	risks	risk	NOUN
ajst-20798	28	23	and	and	CCONJ
ajst-20798	28	24	uncertainties	uncertainty	NOUN
ajst-20798	28	25	that	that	PRON
ajst-20798	28	26	may	may	AUX
ajst-20798	28	27	arise	arise	VERB
ajst-20798	28	28	during	during	ADP
ajst-20798	28	29	payment	payment	NOUN
ajst-20798	28	30	and	and	CCONJ
ajst-20798	28	31	settlement	settlement	NOUN
ajst-20798	28	32	processes	process	NOUN
ajst-20798	28	33	.	.	PUNCT
ajst-20798	29	1	these	these	DET
ajst-20798	29	2	risks	risk	NOUN
ajst-20798	29	3	may	may	AUX
ajst-20798	29	4	be	be	AUX
ajst-20798	29	5	caused	cause	VERB
ajst-20798	29	6	by	by	ADP
ajst-20798	29	7	multiple	multiple	ADJ
ajst-20798	29	8	factors	factor	NOUN
ajst-20798	29	9	,	,	PUNCT
ajst-20798	29	10	including	include	VERB
ajst-20798	29	11	market	market	NOUN
ajst-20798	29	12	fluctuations	fluctuation	NOUN
ajst-20798	29	13	,	,	PUNCT
ajst-20798	29	14	technological	technological	ADJ
ajst-20798	29	15	malfunctions	malfunction	NOUN
ajst-20798	29	16	,	,	PUNCT
ajst-20798	29	17	fraudulent	fraudulent	ADJ
ajst-20798	29	18	activities	activity	NOUN
ajst-20798	29	19	,	,	PUNCT
ajst-20798	29	20	and	and	CCONJ
ajst-20798	29	21	changes	change	NOUN
ajst-20798	29	22	in	in	ADP
ajst-20798	29	23	laws	law	NOUN
ajst-20798	29	24	and	and	CCONJ
ajst-20798	29	25	regulations	regulation	NOUN
ajst-20798	29	26	.	.	PUNCT
ajst-20798	30	1	firstly	firstly	ADV
ajst-20798	30	2	,	,	PUNCT
ajst-20798	30	3	liquidity	liquidity	NOUN
ajst-20798	30	4	risk	risk	NOUN
ajst-20798	30	5	is	be	AUX
ajst-20798	30	6	a	a	DET
ajst-20798	30	7	common	common	ADJ
ajst-20798	30	8	type	type	NOUN
ajst-20798	30	9	of	of	ADP
ajst-20798	30	10	payment	payment	NOUN
ajst-20798	30	11	settlement	settlement	NOUN
ajst-20798	30	12	risk	risk	NOUN
ajst-20798	30	13	,	,	PUNCT
ajst-20798	30	14	referring	refer	VERB
ajst-20798	30	15	to	to	ADP
ajst-20798	30	16	the	the	DET
ajst-20798	30	17	risk	risk	NOUN
ajst-20798	30	18	that	that	PRON
ajst-20798	30	19	arises	arise	VERB
ajst-20798	30	20	when	when	SCONJ
ajst-20798	30	21	one	one	NUM
ajst-20798	30	22	party	party	NOUN
ajst-20798	30	23	fulfills	fulfill	VERB
ajst-20798	30	24	its	its	PRON
ajst-20798	30	25	payment	payment	NOUN
ajst-20798	30	26	obligation	obligation	NOUN
ajst-20798	30	27	while	while	SCONJ
ajst-20798	30	28	the	the	DET
ajst-20798	30	29	other	other	ADJ
ajst-20798	30	30	party	party	NOUN
ajst-20798	30	31	fails	fail	VERB
ajst-20798	30	32	to	to	PART
ajst-20798	30	33	fulfill	fulfill	VERB
ajst-20798	30	34	its	its	PRON
ajst-20798	30	35	121	121	NUM
ajst-20798	30	36	obligation	obligation	NOUN
ajst-20798	30	37	as	as	ADP
ajst-20798	30	38	agreed	agree	VERB
ajst-20798	30	39	,	,	PUNCT
ajst-20798	30	40	leading	lead	VERB
ajst-20798	30	41	to	to	ADP
ajst-20798	30	42	losses	loss	NOUN
ajst-20798	30	43	for	for	ADP
ajst-20798	30	44	the	the	DET
ajst-20798	30	45	paying	pay	VERB
ajst-20798	30	46	party	party	NOUN
ajst-20798	30	47	.	.	PUNCT
ajst-20798	31	1	this	this	DET
ajst-20798	31	2	risk	risk	NOUN
ajst-20798	31	3	is	be	AUX
ajst-20798	31	4	particularly	particularly	ADV
ajst-20798	31	5	prominent	prominent	ADJ
ajst-20798	31	6	in	in	ADP
ajst-20798	31	7	cross	cross	ADJ
ajst-20798	31	8	-	-	ADJ
ajst-20798	31	9	border	border	ADJ
ajst-20798	31	10	transactions	transaction	NOUN
ajst-20798	31	11	or	or	CCONJ
ajst-20798	31	12	during	during	ADP
ajst-20798	31	13	extended	extended	ADJ
ajst-20798	31	14	settlement	settlement	NOUN
ajst-20798	31	15	periods	period	NOUN
ajst-20798	31	16	.	.	PUNCT
ajst-20798	32	1	secondly	secondly	ADV
ajst-20798	32	2	,	,	PUNCT
ajst-20798	32	3	credit	credit	NOUN
ajst-20798	32	4	risk	risk	NOUN
ajst-20798	32	5	refers	refer	VERB
ajst-20798	32	6	to	to	ADP
ajst-20798	32	7	the	the	DET
ajst-20798	32	8	potential	potential	ADJ
ajst-20798	32	9	losses	loss	NOUN
ajst-20798	32	10	that	that	PRON
ajst-20798	32	11	may	may	AUX
ajst-20798	32	12	arise	arise	VERB
ajst-20798	32	13	when	when	SCONJ
ajst-20798	32	14	payment	payment	NOUN
ajst-20798	32	15	settlement	settlement	NOUN
ajst-20798	32	16	participants	participant	NOUN
ajst-20798	32	17	fail	fail	VERB
ajst-20798	32	18	to	to	PART
ajst-20798	32	19	fulfill	fulfill	VERB
ajst-20798	32	20	their	their	PRON
ajst-20798	32	21	debts	debt	NOUN
ajst-20798	32	22	or	or	CCONJ
ajst-20798	32	23	obligations	obligation	NOUN
ajst-20798	32	24	.	.	PUNCT
ajst-20798	33	1	in	in	ADP
ajst-20798	33	2	payment	payment	NOUN
ajst-20798	33	3	settlement	settlement	NOUN
ajst-20798	33	4	,	,	PUNCT
ajst-20798	33	5	credit	credit	NOUN
ajst-20798	33	6	risk	risk	NOUN
ajst-20798	33	7	mainly	mainly	ADV
ajst-20798	33	8	involves	involve	VERB
ajst-20798	33	9	the	the	DET
ajst-20798	33	10	credit	credit	NOUN
ajst-20798	33	11	default	default	NOUN
ajst-20798	33	12	or	or	CCONJ
ajst-20798	33	13	default	default	NOUN
ajst-20798	33	14	risk	risk	NOUN
ajst-20798	33	15	of	of	ADP
ajst-20798	33	16	counterparties	counterpartie	NOUN
ajst-20798	33	17	,	,	PUNCT
ajst-20798	33	18	which	which	PRON
ajst-20798	33	19	may	may	AUX
ajst-20798	33	20	result	result	VERB
ajst-20798	33	21	in	in	ADP
ajst-20798	33	22	financial	financial	ADJ
ajst-20798	33	23	losses	loss	NOUN
ajst-20798	33	24	and	and	CCONJ
ajst-20798	33	25	damaged	damage	VERB
ajst-20798	33	26	credit	credit	NOUN
ajst-20798	33	27	for	for	ADP
ajst-20798	33	28	transaction	transaction	NOUN
ajst-20798	33	29	parties	party	NOUN
ajst-20798	33	30	.	.	PUNCT
ajst-20798	34	1	operational	operational	ADJ
ajst-20798	34	2	risk	risk	NOUN
ajst-20798	34	3	is	be	AUX
ajst-20798	34	4	another	another	DET
ajst-20798	34	5	significant	significant	ADJ
ajst-20798	34	6	type	type	NOUN
ajst-20798	34	7	of	of	ADP
ajst-20798	34	8	payment	payment	NOUN
ajst-20798	34	9	settlement	settlement	NOUN
ajst-20798	34	10	risk	risk	NOUN
ajst-20798	34	11	,	,	PUNCT
ajst-20798	34	12	stemming	stem	VERB
ajst-20798	34	13	from	from	ADP
ajst-20798	34	14	internal	internal	ADJ
ajst-20798	34	15	processes	process	NOUN
ajst-20798	34	16	,	,	PUNCT
ajst-20798	34	17	systems	system	NOUN
ajst-20798	34	18	,	,	PUNCT
ajst-20798	34	19	or	or	CCONJ
ajst-20798	34	20	human	human	ADJ
ajst-20798	34	21	errors	error	NOUN
ajst-20798	34	22	that	that	PRON
ajst-20798	34	23	may	may	AUX
ajst-20798	34	24	lead	lead	VERB
ajst-20798	34	25	to	to	ADP
ajst-20798	34	26	payment	payment	NOUN
ajst-20798	34	27	settlement	settlement	NOUN
ajst-20798	34	28	failures	failure	NOUN
ajst-20798	34	29	or	or	CCONJ
ajst-20798	34	30	delays	delay	NOUN
ajst-20798	34	31	.	.	PUNCT
ajst-20798	35	1	market	market	NOUN
ajst-20798	35	2	risk	risk	NOUN
ajst-20798	35	3	involves	involve	VERB
ajst-20798	35	4	factors	factor	NOUN
ajst-20798	35	5	such	such	ADJ
ajst-20798	35	6	as	as	ADP
ajst-20798	35	7	market	market	NOUN
ajst-20798	35	8	fluctuations	fluctuation	NOUN
ajst-20798	35	9	and	and	CCONJ
ajst-20798	35	10	price	price	NOUN
ajst-20798	35	11	changes	change	NOUN
ajst-20798	35	12	that	that	PRON
ajst-20798	35	13	affect	affect	VERB
ajst-20798	35	14	the	the	DET
ajst-20798	35	15	asset	asset	NOUN
ajst-20798	35	16	values	value	NOUN
ajst-20798	35	17	of	of	ADP
ajst-20798	35	18	payment	payment	NOUN
ajst-20798	35	19	settlement	settlement	NOUN
ajst-20798	35	20	participants	participant	NOUN
ajst-20798	35	21	,	,	PUNCT
ajst-20798	35	22	thereby	thereby	ADV
ajst-20798	35	23	triggering	trigger	VERB
ajst-20798	35	24	payment	payment	NOUN
ajst-20798	35	25	settlement	settlement	NOUN
ajst-20798	35	26	risks	risk	NOUN
ajst-20798	35	27	.	.	PUNCT
ajst-20798	36	1	lastly	lastly	ADV
ajst-20798	36	2	,	,	PUNCT
ajst-20798	36	3	liquidity	liquidity	NOUN
ajst-20798	36	4	risk	risk	NOUN
ajst-20798	36	5	refers	refer	VERB
ajst-20798	36	6	to	to	ADP
ajst-20798	36	7	the	the	DET
ajst-20798	36	8	inability	inability	NOUN
ajst-20798	36	9	of	of	ADP
ajst-20798	36	10	payment	payment	NOUN
ajst-20798	36	11	settlement	settlement	NOUN
ajst-20798	36	12	participants	participant	NOUN
ajst-20798	36	13	to	to	PART
ajst-20798	36	14	obtain	obtain	VERB
ajst-20798	36	15	sufficient	sufficient	ADJ
ajst-20798	36	16	liquid	liquid	ADJ
ajst-20798	36	17	funds	fund	NOUN
ajst-20798	36	18	promptly	promptly	ADV
ajst-20798	36	19	,	,	PUNCT
ajst-20798	36	20	leading	lead	VERB
ajst-20798	36	21	to	to	ADP
ajst-20798	36	22	interruptions	interruption	NOUN
ajst-20798	36	23	or	or	CCONJ
ajst-20798	36	24	delays	delay	NOUN
ajst-20798	36	25	in	in	ADP
ajst-20798	36	26	payment	payment	NOUN
ajst-20798	36	27	settlement	settlement	NOUN
ajst-20798	36	28	processes	process	NOUN
ajst-20798	36	29	.	.	PUNCT
ajst-20798	37	1	in	in	ADP
ajst-20798	37	2	conclusion	conclusion	NOUN
ajst-20798	37	3	,	,	PUNCT
ajst-20798	37	4	effectively	effectively	ADV
ajst-20798	37	5	addressing	address	VERB
ajst-20798	37	6	different	different	ADJ
ajst-20798	37	7	types	type	NOUN
ajst-20798	37	8	of	of	ADP
ajst-20798	37	9	payment	payment	NOUN
ajst-20798	37	10	settlement	settlement	NOUN
ajst-20798	37	11	risks	risk	NOUN
ajst-20798	37	12	requires	require	VERB
ajst-20798	37	13	comprehensive	comprehensive	ADJ
ajst-20798	37	14	measures	measure	NOUN
ajst-20798	37	15	,	,	PUNCT
ajst-20798	37	16	including	include	VERB
ajst-20798	37	17	establishing	establish	VERB
ajst-20798	37	18	sound	sound	ADJ
ajst-20798	37	19	risk	risk	NOUN
ajst-20798	37	20	management	management	NOUN
ajst-20798	37	21	systems	system	NOUN
ajst-20798	37	22	,	,	PUNCT
ajst-20798	37	23	strengthening	strengthen	VERB
ajst-20798	37	24	technological	technological	ADJ
ajst-20798	37	25	and	and	CCONJ
ajst-20798	37	26	security	security	NOUN
ajst-20798	37	27	measures	measure	NOUN
ajst-20798	37	28	,	,	PUNCT
ajst-20798	37	29	and	and	CCONJ
ajst-20798	37	30	enhancing	enhance	VERB
ajst-20798	37	31	regulatory	regulatory	ADJ
ajst-20798	37	32	and	and	CCONJ
ajst-20798	37	33	compliance	compliance	NOUN
ajst-20798	37	34	management	management	NOUN
ajst-20798	37	35	.	.	PUNCT
ajst-20798	38	1	only	only	ADV
ajst-20798	38	2	by	by	ADP
ajst-20798	38	3	doing	do	VERB
ajst-20798	38	4	so	so	ADV
ajst-20798	38	5	can	can	AUX
ajst-20798	38	6	the	the	DET
ajst-20798	38	7	safety	safety	NOUN
ajst-20798	38	8	,	,	PUNCT
ajst-20798	38	9	stability	stability	NOUN
ajst-20798	38	10	,	,	PUNCT
ajst-20798	38	11	and	and	CCONJ
ajst-20798	38	12	efficiency	efficiency	NOUN
ajst-20798	38	13	of	of	ADP
ajst-20798	38	14	payment	payment	NOUN
ajst-20798	38	15	settlement	settlement	NOUN
ajst-20798	38	16	be	be	AUX
ajst-20798	38	17	ensured	ensure	VERB
ajst-20798	38	18	,	,	PUNCT
ajst-20798	38	19	promoting	promote	VERB
ajst-20798	38	20	the	the	DET
ajst-20798	38	21	healthy	healthy	ADJ
ajst-20798	38	22	development	development	NOUN
ajst-20798	38	23	of	of	ADP
ajst-20798	38	24	the	the	DET
ajst-20798	38	25	financial	financial	ADJ
ajst-20798	38	26	system	system	NOUN
ajst-20798	38	27	.	.	PUNCT
ajst-20798	39	1	3	3	X
ajst-20798	39	2	.	.	X
ajst-20798	39	3	factors	factor	NOUN
ajst-20798	39	4	affecting	affect	VERB
ajst-20798	39	5	the	the	DET
ajst-20798	39	6	payment	payment	NOUN
ajst-20798	39	7	and	and	CCONJ
ajst-20798	39	8	settlement	settlement	NOUN
ajst-20798	39	9	risk	risk	NOUN
ajst-20798	39	10	of	of	ADP
ajst-20798	39	11	commercial	commercial	ADJ
ajst-20798	39	12	banks	bank	NOUN
ajst-20798	39	13	3.1	3.1	NUM
ajst-20798	39	14	.	.	PUNCT
ajst-20798	40	1	internal	internal	ADJ
ajst-20798	40	2	factors	factor	NOUN
ajst-20798	40	3	of	of	ADP
ajst-20798	40	4	commercial	commercial	ADJ
ajst-20798	40	5	banks	bank	NOUN
ajst-20798	40	6	internal	internal	ADJ
ajst-20798	40	7	factors	factor	NOUN
ajst-20798	40	8	of	of	ADP
ajst-20798	40	9	commercial	commercial	ADJ
ajst-20798	40	10	banks	bank	NOUN
ajst-20798	40	11	directly	directly	ADV
ajst-20798	40	12	influence	influence	VERB
ajst-20798	40	13	the	the	DET
ajst-20798	40	14	generation	generation	NOUN
ajst-20798	40	15	and	and	CCONJ
ajst-20798	40	16	management	management	NOUN
ajst-20798	40	17	of	of	ADP
ajst-20798	40	18	payment	payment	NOUN
ajst-20798	40	19	settlement	settlement	NOUN
ajst-20798	40	20	risks	risk	NOUN
ajst-20798	40	21	,	,	PUNCT
ajst-20798	40	22	and	and	CCONJ
ajst-20798	40	23	the	the	DET
ajst-20798	40	24	level	level	NOUN
ajst-20798	40	25	of	of	ADP
ajst-20798	40	26	their	their	PRON
ajst-20798	40	27	management	management	NOUN
ajst-20798	40	28	and	and	CCONJ
ajst-20798	40	29	internal	internal	ADJ
ajst-20798	40	30	control	control	NOUN
ajst-20798	40	31	systems	system	NOUN
ajst-20798	40	32	determines	determine	VERB
ajst-20798	40	33	the	the	DET
ajst-20798	40	34	extent	extent	NOUN
ajst-20798	40	35	and	and	CCONJ
ajst-20798	40	36	stability	stability	NOUN
ajst-20798	40	37	of	of	ADP
ajst-20798	40	38	payment	payment	NOUN
ajst-20798	40	39	settlement	settlement	NOUN
ajst-20798	40	40	risks	risk	NOUN
ajst-20798	40	41	.	.	PUNCT
ajst-20798	41	1	firstly	firstly	ADV
ajst-20798	41	2	,	,	PUNCT
ajst-20798	41	3	the	the	DET
ajst-20798	41	4	financial	financial	ADJ
ajst-20798	41	5	strength	strength	NOUN
ajst-20798	41	6	and	and	CCONJ
ajst-20798	41	7	condition	condition	NOUN
ajst-20798	41	8	of	of	ADP
ajst-20798	41	9	commercial	commercial	ADJ
ajst-20798	41	10	banks	bank	NOUN
ajst-20798	41	11	directly	directly	ADV
ajst-20798	41	12	impact	impact	VERB
ajst-20798	41	13	their	their	PRON
ajst-20798	41	14	roles	role	NOUN
ajst-20798	41	15	and	and	CCONJ
ajst-20798	41	16	capabilities	capability	NOUN
ajst-20798	41	17	in	in	ADP
ajst-20798	41	18	payment	payment	NOUN
ajst-20798	41	19	settlement	settlement	NOUN
ajst-20798	41	20	.	.	PUNCT
ajst-20798	42	1	factors	factor	NOUN
ajst-20798	42	2	such	such	ADJ
ajst-20798	42	3	as	as	ADP
ajst-20798	42	4	capital	capital	NOUN
ajst-20798	42	5	adequacy	adequacy	NOUN
ajst-20798	42	6	ratio	ratio	NOUN
ajst-20798	42	7	,	,	PUNCT
ajst-20798	42	8	liquidity	liquidity	NOUN
ajst-20798	42	9	level	level	NOUN
ajst-20798	42	10	,	,	PUNCT
ajst-20798	42	11	and	and	CCONJ
ajst-20798	42	12	profitability	profitability	NOUN
ajst-20798	42	13	affect	affect	VERB
ajst-20798	42	14	a	a	DET
ajst-20798	42	15	commercial	commercial	ADJ
ajst-20798	42	16	bank	bank	NOUN
ajst-20798	42	17	's	's	PART
ajst-20798	42	18	ability	ability	NOUN
ajst-20798	42	19	and	and	CCONJ
ajst-20798	42	20	willingness	willingness	NOUN
ajst-20798	42	21	to	to	PART
ajst-20798	42	22	bear	bear	VERB
ajst-20798	42	23	payment	payment	NOUN
ajst-20798	42	24	settlement	settlement	NOUN
ajst-20798	42	25	risks	risk	NOUN
ajst-20798	42	26	.	.	PUNCT
ajst-20798	43	1	insufficient	insufficient	ADJ
ajst-20798	43	2	capital	capital	NOUN
ajst-20798	43	3	and	and	CCONJ
ajst-20798	43	4	liquidity	liquidity	NOUN
ajst-20798	43	5	risks	risk	NOUN
ajst-20798	43	6	may	may	AUX
ajst-20798	43	7	result	result	VERB
ajst-20798	43	8	in	in	ADP
ajst-20798	43	9	the	the	DET
ajst-20798	43	10	bank	bank	NOUN
ajst-20798	43	11	's	's	PART
ajst-20798	43	12	inability	inability	NOUN
ajst-20798	43	13	to	to	PART
ajst-20798	43	14	fulfill	fulfill	VERB
ajst-20798	43	15	payment	payment	NOUN
ajst-20798	43	16	obligations	obligation	NOUN
ajst-20798	43	17	,	,	PUNCT
ajst-20798	43	18	increasing	increase	VERB
ajst-20798	43	19	the	the	DET
ajst-20798	43	20	probability	probability	NOUN
ajst-20798	43	21	of	of	ADP
ajst-20798	43	22	payment	payment	NOUN
ajst-20798	43	23	settlement	settlement	NOUN
ajst-20798	43	24	risks	risk	NOUN
ajst-20798	43	25	.	.	PUNCT
ajst-20798	44	1	secondly	secondly	ADV
ajst-20798	44	2	,	,	PUNCT
ajst-20798	44	3	the	the	DET
ajst-20798	44	4	technical	technical	ADJ
ajst-20798	44	5	and	and	CCONJ
ajst-20798	44	6	operational	operational	ADJ
ajst-20798	44	7	systems	system	NOUN
ajst-20798	44	8	within	within	ADP
ajst-20798	44	9	commercial	commercial	ADJ
ajst-20798	44	10	banks	bank	NOUN
ajst-20798	44	11	are	be	AUX
ajst-20798	44	12	crucial	crucial	ADJ
ajst-20798	44	13	for	for	ADP
ajst-20798	44	14	the	the	DET
ajst-20798	44	15	security	security	NOUN
ajst-20798	44	16	and	and	CCONJ
ajst-20798	44	17	effectiveness	effectiveness	NOUN
ajst-20798	44	18	of	of	ADP
ajst-20798	44	19	payment	payment	NOUN
ajst-20798	44	20	settlement	settlement	NOUN
ajst-20798	44	21	.	.	PUNCT
ajst-20798	45	1	modern	modern	ADJ
ajst-20798	45	2	payment	payment	NOUN
ajst-20798	45	3	settlement	settlement	NOUN
ajst-20798	45	4	systems	system	NOUN
ajst-20798	45	5	rely	rely	VERB
ajst-20798	45	6	on	on	ADP
ajst-20798	45	7	complex	complex	ADJ
ajst-20798	45	8	technology	technology	NOUN
ajst-20798	45	9	and	and	CCONJ
ajst-20798	45	10	network	network	NOUN
ajst-20798	45	11	infrastructure	infrastructure	NOUN
ajst-20798	45	12	.	.	PUNCT
ajst-20798	46	1	therefore	therefore	ADV
ajst-20798	46	2	,	,	PUNCT
ajst-20798	46	3	technological	technological	ADJ
ajst-20798	46	4	malfunctions	malfunction	NOUN
ajst-20798	46	5	,	,	PUNCT
ajst-20798	46	6	system	system	NOUN
ajst-20798	46	7	errors	error	NOUN
ajst-20798	46	8	,	,	PUNCT
ajst-20798	46	9	and	and	CCONJ
ajst-20798	46	10	cyberattacks	cyberattack	NOUN
ajst-20798	46	11	may	may	AUX
ajst-20798	46	12	lead	lead	VERB
ajst-20798	46	13	to	to	ADP
ajst-20798	46	14	interruptions	interruption	NOUN
ajst-20798	46	15	,	,	PUNCT
ajst-20798	46	16	delays	delay	NOUN
ajst-20798	46	17	,	,	PUNCT
ajst-20798	46	18	or	or	CCONJ
ajst-20798	46	19	data	data	NOUN
ajst-20798	46	20	breaches	breach	NOUN
ajst-20798	46	21	in	in	ADP
ajst-20798	46	22	payment	payment	NOUN
ajst-20798	46	23	settlement	settlement	NOUN
ajst-20798	46	24	systems	system	NOUN
ajst-20798	46	25	,	,	PUNCT
ajst-20798	46	26	increasing	increase	VERB
ajst-20798	46	27	operational	operational	ADJ
ajst-20798	46	28	and	and	CCONJ
ajst-20798	46	29	information	information	NOUN
ajst-20798	46	30	security	security	NOUN
ajst-20798	46	31	risks	risk	NOUN
ajst-20798	46	32	.	.	PUNCT
ajst-20798	47	1	furthermore	furthermore	ADV
ajst-20798	47	2	,	,	PUNCT
ajst-20798	47	3	the	the	DET
ajst-20798	47	4	management	management	NOUN
ajst-20798	47	5	level	level	NOUN
ajst-20798	47	6	and	and	CCONJ
ajst-20798	47	7	risk	risk	NOUN
ajst-20798	47	8	management	management	NOUN
ajst-20798	47	9	capabilities	capability	NOUN
ajst-20798	47	10	within	within	ADP
ajst-20798	47	11	commercial	commercial	ADJ
ajst-20798	47	12	banks	bank	NOUN
ajst-20798	47	13	are	be	AUX
ajst-20798	47	14	vital	vital	ADJ
ajst-20798	47	15	for	for	ADP
ajst-20798	47	16	managing	manage	VERB
ajst-20798	47	17	payment	payment	NOUN
ajst-20798	47	18	settlement	settlement	NOUN
ajst-20798	47	19	risks	risk	NOUN
ajst-20798	47	20	.	.	PUNCT
ajst-20798	48	1	effective	effective	ADJ
ajst-20798	48	2	internal	internal	ADJ
ajst-20798	48	3	control	control	NOUN
ajst-20798	48	4	systems	system	NOUN
ajst-20798	48	5	,	,	PUNCT
ajst-20798	48	6	risk	risk	NOUN
ajst-20798	48	7	management	management	NOUN
ajst-20798	48	8	systems	system	NOUN
ajst-20798	48	9	,	,	PUNCT
ajst-20798	48	10	and	and	CCONJ
ajst-20798	48	11	audit	audit	NOUN
ajst-20798	48	12	supervision	supervision	NOUN
ajst-20798	48	13	mechanisms	mechanism	NOUN
ajst-20798	48	14	can	can	AUX
ajst-20798	48	15	help	help	VERB
ajst-20798	48	16	banks	bank	NOUN
ajst-20798	48	17	identify	identify	VERB
ajst-20798	48	18	and	and	CCONJ
ajst-20798	48	19	address	address	VERB
ajst-20798	48	20	potential	potential	ADJ
ajst-20798	48	21	payment	payment	NOUN
ajst-20798	48	22	settlement	settlement	NOUN
ajst-20798	48	23	risks	risk	NOUN
ajst-20798	48	24	in	in	ADP
ajst-20798	48	25	a	a	DET
ajst-20798	48	26	timely	timely	ADJ
ajst-20798	48	27	manner	manner	NOUN
ajst-20798	48	28	,	,	PUNCT
ajst-20798	48	29	reducing	reduce	VERB
ajst-20798	48	30	the	the	DET
ajst-20798	48	31	occurrence	occurrence	NOUN
ajst-20798	48	32	of	of	ADP
ajst-20798	48	33	risks	risk	NOUN
ajst-20798	48	34	due	due	ADJ
ajst-20798	48	35	to	to	ADP
ajst-20798	48	36	poor	poor	ADJ
ajst-20798	48	37	internal	internal	ADJ
ajst-20798	48	38	management	management	NOUN
ajst-20798	48	39	.	.	PUNCT
ajst-20798	49	1	additionally	additionally	ADV
ajst-20798	49	2	,	,	PUNCT
ajst-20798	49	3	the	the	DET
ajst-20798	49	4	quality	quality	NOUN
ajst-20798	49	5	of	of	ADP
ajst-20798	49	6	employees	employee	NOUN
ajst-20798	49	7	and	and	CCONJ
ajst-20798	49	8	internal	internal	ADJ
ajst-20798	49	9	culture	culture	NOUN
ajst-20798	49	10	also	also	ADV
ajst-20798	49	11	influence	influence	VERB
ajst-20798	49	12	the	the	DET
ajst-20798	49	13	management	management	NOUN
ajst-20798	49	14	of	of	ADP
ajst-20798	49	15	payment	payment	NOUN
ajst-20798	49	16	settlement	settlement	NOUN
ajst-20798	49	17	risks	risk	NOUN
ajst-20798	49	18	.	.	PUNCT
ajst-20798	50	1	a	a	DET
ajst-20798	50	2	good	good	ADJ
ajst-20798	50	3	internal	internal	ADJ
ajst-20798	50	4	culture	culture	NOUN
ajst-20798	50	5	and	and	CCONJ
ajst-20798	50	6	rigorous	rigorous	ADJ
ajst-20798	50	7	professional	professional	ADJ
ajst-20798	50	8	ethics	ethic	NOUN
ajst-20798	50	9	help	help	VERB
ajst-20798	50	10	reduce	reduce	VERB
ajst-20798	50	11	fraudulent	fraudulent	ADJ
ajst-20798	50	12	activities	activity	NOUN
ajst-20798	50	13	and	and	CCONJ
ajst-20798	50	14	human	human	ADJ
ajst-20798	50	15	errors	error	NOUN
ajst-20798	50	16	,	,	PUNCT
ajst-20798	50	17	thereby	thereby	ADV
ajst-20798	50	18	lowering	lower	VERB
ajst-20798	50	19	operational	operational	ADJ
ajst-20798	50	20	and	and	CCONJ
ajst-20798	50	21	credit	credit	NOUN
ajst-20798	50	22	risks.in	risks.in	NOUN
ajst-20798	50	23	conclusion	conclusion	NOUN
ajst-20798	50	24	,	,	PUNCT
ajst-20798	50	25	internal	internal	ADJ
ajst-20798	50	26	factors	factor	NOUN
ajst-20798	50	27	of	of	ADP
ajst-20798	50	28	commercial	commercial	ADJ
ajst-20798	50	29	banks	bank	NOUN
ajst-20798	50	30	are	be	AUX
ajst-20798	50	31	crucial	crucial	ADJ
ajst-20798	50	32	for	for	ADP
ajst-20798	50	33	managing	manage	VERB
ajst-20798	50	34	payment	payment	NOUN
ajst-20798	50	35	settlement	settlement	NOUN
ajst-20798	50	36	risks	risk	NOUN
ajst-20798	50	37	.	.	PUNCT
ajst-20798	51	1	establishing	establish	VERB
ajst-20798	51	2	sound	sound	ADJ
ajst-20798	51	3	internal	internal	ADJ
ajst-20798	51	4	control	control	NOUN
ajst-20798	51	5	systems	system	NOUN
ajst-20798	51	6	,	,	PUNCT
ajst-20798	51	7	enhancing	enhance	VERB
ajst-20798	51	8	the	the	DET
ajst-20798	51	9	security	security	NOUN
ajst-20798	51	10	of	of	ADP
ajst-20798	51	11	technological	technological	ADJ
ajst-20798	51	12	and	and	CCONJ
ajst-20798	51	13	operational	operational	ADJ
ajst-20798	51	14	systems	system	NOUN
ajst-20798	51	15	,	,	PUNCT
ajst-20798	51	16	improving	improve	VERB
ajst-20798	51	17	the	the	DET
ajst-20798	51	18	quality	quality	NOUN
ajst-20798	51	19	of	of	ADP
ajst-20798	51	20	employees	employee	NOUN
ajst-20798	51	21	and	and	CCONJ
ajst-20798	51	22	risk	risk	NOUN
ajst-20798	51	23	awareness	awareness	NOUN
ajst-20798	51	24	are	be	AUX
ajst-20798	51	25	key	key	ADJ
ajst-20798	51	26	measures	measure	NOUN
ajst-20798	51	27	for	for	ADP
ajst-20798	51	28	effectively	effectively	ADV
ajst-20798	51	29	managing	manage	VERB
ajst-20798	51	30	and	and	CCONJ
ajst-20798	51	31	controlling	control	VERB
ajst-20798	51	32	payment	payment	NOUN
ajst-20798	51	33	settlement	settlement	NOUN
ajst-20798	51	34	risks[2	risks[2	PROPN
ajst-20798	51	35	]	]	X
ajst-20798	51	36	.	.	PUNCT
ajst-20798	52	1	3.2	3.2	NUM
ajst-20798	52	2	.	.	PUNCT
ajst-20798	53	1	technological	technological	ADJ
ajst-20798	53	2	and	and	CCONJ
ajst-20798	53	3	market	market	NOUN
ajst-20798	53	4	factors	factor	NOUN
ajst-20798	53	5	technological	technological	ADJ
ajst-20798	53	6	and	and	CCONJ
ajst-20798	53	7	market	market	NOUN
ajst-20798	53	8	factors	factor	NOUN
ajst-20798	53	9	play	play	VERB
ajst-20798	53	10	crucial	crucial	ADJ
ajst-20798	53	11	roles	role	NOUN
ajst-20798	53	12	in	in	ADP
ajst-20798	53	13	the	the	DET
ajst-20798	53	14	management	management	NOUN
ajst-20798	53	15	of	of	ADP
ajst-20798	53	16	payment	payment	NOUN
ajst-20798	53	17	settlement	settlement	NOUN
ajst-20798	53	18	risks	risk	NOUN
ajst-20798	53	19	,	,	PUNCT
ajst-20798	53	20	as	as	SCONJ
ajst-20798	53	21	their	their	PRON
ajst-20798	53	22	development	development	NOUN
ajst-20798	53	23	and	and	CCONJ
ajst-20798	53	24	changes	change	NOUN
ajst-20798	53	25	directly	directly	ADV
ajst-20798	53	26	impact	impact	VERB
ajst-20798	53	27	the	the	DET
ajst-20798	53	28	safety	safety	NOUN
ajst-20798	53	29	and	and	CCONJ
ajst-20798	53	30	reliability	reliability	NOUN
ajst-20798	53	31	of	of	ADP
ajst-20798	53	32	the	the	DET
ajst-20798	53	33	payment	payment	NOUN
ajst-20798	53	34	settlement	settlement	NOUN
ajst-20798	53	35	environment	environment	NOUN
ajst-20798	53	36	.	.	PUNCT
ajst-20798	54	1	firstly	firstly	ADV
ajst-20798	54	2	,	,	PUNCT
ajst-20798	54	3	technological	technological	ADJ
ajst-20798	54	4	factors	factor	NOUN
ajst-20798	54	5	play	play	VERB
ajst-20798	54	6	an	an	DET
ajst-20798	54	7	essential	essential	ADJ
ajst-20798	54	8	role	role	NOUN
ajst-20798	54	9	in	in	ADP
ajst-20798	54	10	payment	payment	NOUN
ajst-20798	54	11	settlement	settlement	NOUN
ajst-20798	54	12	.	.	PUNCT
ajst-20798	55	1	with	with	ADP
ajst-20798	55	2	the	the	DET
ajst-20798	55	3	continuous	continuous	ADJ
ajst-20798	55	4	development	development	NOUN
ajst-20798	55	5	of	of	ADP
ajst-20798	55	6	financial	financial	ADJ
ajst-20798	55	7	technology	technology	NOUN
ajst-20798	55	8	,	,	PUNCT
ajst-20798	55	9	electronic	electronic	ADJ
ajst-20798	55	10	payment	payment	NOUN
ajst-20798	55	11	and	and	CCONJ
ajst-20798	55	12	settlement	settlement	NOUN
ajst-20798	55	13	systems	system	NOUN
ajst-20798	55	14	have	have	AUX
ajst-20798	55	15	become	become	VERB
ajst-20798	55	16	the	the	DET
ajst-20798	55	17	primary	primary	ADJ
ajst-20798	55	18	means	mean	NOUN
ajst-20798	55	19	of	of	ADP
ajst-20798	55	20	payment	payment	NOUN
ajst-20798	55	21	settlement	settlement	NOUN
ajst-20798	55	22	.	.	PUNCT
ajst-20798	56	1	however	however	ADV
ajst-20798	56	2	,	,	PUNCT
ajst-20798	56	3	the	the	DET
ajst-20798	56	4	technological	technological	ADJ
ajst-20798	56	5	security	security	NOUN
ajst-20798	56	6	,	,	PUNCT
ajst-20798	56	7	reliability	reliability	NOUN
ajst-20798	56	8	,	,	PUNCT
ajst-20798	56	9	and	and	CCONJ
ajst-20798	56	10	stability	stability	NOUN
ajst-20798	56	11	of	of	ADP
ajst-20798	56	12	payment	payment	NOUN
ajst-20798	56	13	settlement	settlement	NOUN
ajst-20798	56	14	systems	system	NOUN
ajst-20798	56	15	are	be	AUX
ajst-20798	56	16	crucial	crucial	ADJ
ajst-20798	56	17	for	for	ADP
ajst-20798	56	18	managing	manage	VERB
ajst-20798	56	19	payment	payment	NOUN
ajst-20798	56	20	settlement	settlement	NOUN
ajst-20798	56	21	risks	risk	NOUN
ajst-20798	56	22	.	.	PUNCT
ajst-20798	57	1	technological	technological	ADJ
ajst-20798	57	2	malfunctions	malfunction	NOUN
ajst-20798	57	3	,	,	PUNCT
ajst-20798	57	4	system	system	NOUN
ajst-20798	57	5	errors	error	NOUN
ajst-20798	57	6	,	,	PUNCT
ajst-20798	57	7	and	and	CCONJ
ajst-20798	57	8	cyberattacks	cyberattack	NOUN
ajst-20798	57	9	may	may	AUX
ajst-20798	57	10	lead	lead	VERB
ajst-20798	57	11	to	to	ADP
ajst-20798	57	12	interruptions	interruption	NOUN
ajst-20798	57	13	,	,	PUNCT
ajst-20798	57	14	delays	delay	NOUN
ajst-20798	57	15	,	,	PUNCT
ajst-20798	57	16	or	or	CCONJ
ajst-20798	57	17	data	data	NOUN
ajst-20798	57	18	breaches	breach	NOUN
ajst-20798	57	19	in	in	ADP
ajst-20798	57	20	payment	payment	NOUN
ajst-20798	57	21	settlement	settlement	NOUN
ajst-20798	57	22	systems	system	NOUN
ajst-20798	57	23	,	,	PUNCT
ajst-20798	57	24	increasing	increase	VERB
ajst-20798	57	25	operational	operational	ADJ
ajst-20798	57	26	and	and	CCONJ
ajst-20798	57	27	information	information	NOUN
ajst-20798	57	28	security	security	NOUN
ajst-20798	57	29	risks	risk	NOUN
ajst-20798	57	30	.	.	PUNCT
ajst-20798	58	1	secondly	secondly	ADV
ajst-20798	58	2	,	,	PUNCT
ajst-20798	58	3	market	market	NOUN
ajst-20798	58	4	factors	factor	NOUN
ajst-20798	58	5	also	also	ADV
ajst-20798	58	6	influence	influence	VERB
ajst-20798	58	7	payment	payment	NOUN
ajst-20798	58	8	settlement	settlement	NOUN
ajst-20798	58	9	risks	risk	NOUN
ajst-20798	58	10	.	.	PUNCT
ajst-20798	59	1	market	market	NOUN
ajst-20798	59	2	fluctuations	fluctuation	NOUN
ajst-20798	59	3	,	,	PUNCT
ajst-20798	59	4	changes	change	NOUN
ajst-20798	59	5	in	in	ADP
ajst-20798	59	6	commodity	commodity	NOUN
ajst-20798	59	7	prices	price	NOUN
ajst-20798	59	8	,	,	PUNCT
ajst-20798	59	9	currency	currency	NOUN
ajst-20798	59	10	,	,	PUNCT
ajst-20798	59	11	and	and	CCONJ
ajst-20798	59	12	interest	interest	NOUN
ajst-20798	59	13	rate	rate	NOUN
ajst-20798	59	14	fluctuations	fluctuation	NOUN
ajst-20798	59	15	may	may	AUX
ajst-20798	59	16	affect	affect	VERB
ajst-20798	59	17	the	the	DET
ajst-20798	59	18	stability	stability	NOUN
ajst-20798	59	19	of	of	ADP
ajst-20798	59	20	the	the	DET
ajst-20798	59	21	payment	payment	NOUN
ajst-20798	59	22	settlement	settlement	NOUN
ajst-20798	59	23	environment	environment	NOUN
ajst-20798	59	24	.	.	PUNCT
ajst-20798	60	1	especially	especially	ADV
ajst-20798	60	2	in	in	ADP
ajst-20798	60	3	international	international	ADJ
ajst-20798	60	4	trade	trade	NOUN
ajst-20798	60	5	and	and	CCONJ
ajst-20798	60	6	cross	cross	ADJ
ajst-20798	60	7	-	-	ADJ
ajst-20798	60	8	border	border	ADJ
ajst-20798	60	9	payments	payment	NOUN
ajst-20798	60	10	,	,	PUNCT
ajst-20798	60	11	fluctuations	fluctuation	NOUN
ajst-20798	60	12	in	in	ADP
ajst-20798	60	13	the	the	DET
ajst-20798	60	14	foreign	foreign	ADJ
ajst-20798	60	15	exchange	exchange	NOUN
ajst-20798	60	16	market	market	NOUN
ajst-20798	60	17	and	and	CCONJ
ajst-20798	60	18	exchange	exchange	NOUN
ajst-20798	60	19	rate	rate	NOUN
ajst-20798	60	20	risks	risk	NOUN
ajst-20798	60	21	may	may	AUX
ajst-20798	60	22	increase	increase	VERB
ajst-20798	60	23	the	the	DET
ajst-20798	60	24	occurrence	occurrence	NOUN
ajst-20798	60	25	of	of	ADP
ajst-20798	60	26	payment	payment	NOUN
ajst-20798	60	27	settlement	settlement	NOUN
ajst-20798	60	28	risks	risk	NOUN
ajst-20798	60	29	.	.	PUNCT
ajst-20798	61	1	additionally	additionally	ADV
ajst-20798	61	2	,	,	PUNCT
ajst-20798	61	3	market	market	NOUN
ajst-20798	61	4	competition	competition	NOUN
ajst-20798	61	5	and	and	CCONJ
ajst-20798	61	6	innovation	innovation	NOUN
ajst-20798	61	7	may	may	AUX
ajst-20798	61	8	also	also	ADV
ajst-20798	61	9	affect	affect	VERB
ajst-20798	61	10	the	the	DET
ajst-20798	61	11	management	management	NOUN
ajst-20798	61	12	of	of	ADP
ajst-20798	61	13	payment	payment	NOUN
ajst-20798	61	14	settlement	settlement	NOUN
ajst-20798	61	15	risks	risk	NOUN
ajst-20798	61	16	.	.	PUNCT
ajst-20798	62	1	with	with	ADP
ajst-20798	62	2	the	the	DET
ajst-20798	62	3	intensification	intensification	NOUN
ajst-20798	62	4	of	of	ADP
ajst-20798	62	5	competition	competition	NOUN
ajst-20798	62	6	in	in	ADP
ajst-20798	62	7	the	the	DET
ajst-20798	62	8	payment	payment	NOUN
ajst-20798	62	9	market	market	NOUN
ajst-20798	62	10	and	and	CCONJ
ajst-20798	62	11	the	the	DET
ajst-20798	62	12	emergence	emergence	NOUN
ajst-20798	62	13	of	of	ADP
ajst-20798	62	14	new	new	ADJ
ajst-20798	62	15	technologies	technology	NOUN
ajst-20798	62	16	,	,	PUNCT
ajst-20798	62	17	the	the	DET
ajst-20798	62	18	complexity	complexity	NOUN
ajst-20798	62	19	and	and	CCONJ
ajst-20798	62	20	risks	risk	NOUN
ajst-20798	62	21	of	of	ADP
ajst-20798	62	22	payment	payment	NOUN
ajst-20798	62	23	settlement	settlement	NOUN
ajst-20798	62	24	business	business	NOUN
ajst-20798	62	25	are	be	AUX
ajst-20798	62	26	increasing	increase	VERB
ajst-20798	62	27	.	.	PUNCT
ajst-20798	63	1	the	the	DET
ajst-20798	63	2	emergence	emergence	NOUN
ajst-20798	63	3	of	of	ADP
ajst-20798	63	4	new	new	ADJ
ajst-20798	63	5	payment	payment	NOUN
ajst-20798	63	6	tools	tool	NOUN
ajst-20798	63	7	and	and	CCONJ
ajst-20798	63	8	payment	payment	NOUN
ajst-20798	63	9	models	model	NOUN
ajst-20798	63	10	may	may	AUX
ajst-20798	63	11	bring	bring	VERB
ajst-20798	63	12	new	new	ADJ
ajst-20798	63	13	payment	payment	NOUN
ajst-20798	63	14	settlement	settlement	NOUN
ajst-20798	63	15	risks	risk	NOUN
ajst-20798	63	16	,	,	PUNCT
ajst-20798	63	17	such	such	ADJ
ajst-20798	63	18	as	as	ADP
ajst-20798	63	19	virtual	virtual	ADJ
ajst-20798	63	20	currencies	currency	NOUN
ajst-20798	63	21	,	,	PUNCT
ajst-20798	63	22	blockchain	blockchain	NOUN
ajst-20798	63	23	payments	payment	NOUN
ajst-20798	63	24	,	,	PUNCT
ajst-20798	63	25	etc.in	etc.in	PROPN
ajst-20798	63	26	summary	summary	NOUN
ajst-20798	63	27	,	,	PUNCT
ajst-20798	63	28	technological	technological	ADJ
ajst-20798	63	29	and	and	CCONJ
ajst-20798	63	30	market	market	NOUN
ajst-20798	63	31	factors	factor	NOUN
ajst-20798	63	32	are	be	AUX
ajst-20798	63	33	crucial	crucial	ADJ
ajst-20798	63	34	for	for	ADP
ajst-20798	63	35	managing	manage	VERB
ajst-20798	63	36	payment	payment	NOUN
ajst-20798	63	37	settlement	settlement	NOUN
ajst-20798	63	38	risks	risk	NOUN
ajst-20798	63	39	.	.	PUNCT
ajst-20798	64	1	commercial	commercial	ADJ
ajst-20798	64	2	banks	bank	NOUN
ajst-20798	64	3	need	need	VERB
ajst-20798	64	4	to	to	PART
ajst-20798	64	5	closely	closely	ADV
ajst-20798	64	6	monitor	monitor	VERB
ajst-20798	64	7	the	the	DET
ajst-20798	64	8	development	development	NOUN
ajst-20798	64	9	of	of	ADP
ajst-20798	64	10	technology	technology	NOUN
ajst-20798	64	11	and	and	CCONJ
ajst-20798	64	12	changes	change	NOUN
ajst-20798	64	13	in	in	ADP
ajst-20798	64	14	the	the	DET
ajst-20798	64	15	market	market	NOUN
ajst-20798	64	16	,	,	PUNCT
ajst-20798	64	17	adjust	adjust	VERB
ajst-20798	64	18	and	and	CCONJ
ajst-20798	64	19	improve	improve	VERB
ajst-20798	64	20	payment	payment	NOUN
ajst-20798	64	21	settlement	settlement	NOUN
ajst-20798	64	22	systems	system	NOUN
ajst-20798	64	23	and	and	CCONJ
ajst-20798	64	24	risk	risk	NOUN
ajst-20798	64	25	management	management	NOUN
ajst-20798	64	26	measures	measure	NOUN
ajst-20798	64	27	in	in	ADP
ajst-20798	64	28	a	a	DET
ajst-20798	64	29	timely	timely	ADJ
ajst-20798	64	30	manner	manner	NOUN
ajst-20798	64	31	to	to	PART
ajst-20798	64	32	cope	cope	VERB
ajst-20798	64	33	with	with	ADP
ajst-20798	64	34	the	the	DET
ajst-20798	64	35	evolving	evolve	VERB
ajst-20798	64	36	payment	payment	NOUN
ajst-20798	64	37	settlement	settlement	NOUN
ajst-20798	64	38	environment	environment	NOUN
ajst-20798	64	39	,	,	PUNCT
ajst-20798	64	40	ensuring	ensure	VERB
ajst-20798	64	41	the	the	DET
ajst-20798	64	42	safety	safety	NOUN
ajst-20798	64	43	,	,	PUNCT
ajst-20798	64	44	reliability	reliability	NOUN
ajst-20798	64	45	,	,	PUNCT
ajst-20798	64	46	and	and	CCONJ
ajst-20798	64	47	efficiency	efficiency	NOUN
ajst-20798	64	48	of	of	ADP
ajst-20798	64	49	payment	payment	NOUN
ajst-20798	64	50	settlement	settlement	NOUN
ajst-20798	64	51	.	.	PUNCT
ajst-20798	65	1	3.3	3.3	NUM
ajst-20798	65	2	.	.	PUNCT
ajst-20798	65	3	policy	policy	NOUN
ajst-20798	65	4	and	and	CCONJ
ajst-20798	65	5	regulatory	regulatory	ADJ
ajst-20798	65	6	factors	factor	NOUN
ajst-20798	65	7	policy	policy	NOUN
ajst-20798	65	8	and	and	CCONJ
ajst-20798	65	9	regulatory	regulatory	ADJ
ajst-20798	65	10	factors	factor	NOUN
ajst-20798	65	11	play	play	VERB
ajst-20798	65	12	a	a	DET
ajst-20798	65	13	crucial	crucial	ADJ
ajst-20798	65	14	role	role	NOUN
ajst-20798	65	15	in	in	ADP
ajst-20798	65	16	the	the	DET
ajst-20798	65	17	management	management	NOUN
ajst-20798	65	18	of	of	ADP
ajst-20798	65	19	payment	payment	NOUN
ajst-20798	65	20	settlement	settlement	NOUN
ajst-20798	65	21	risks	risk	NOUN
ajst-20798	65	22	,	,	PUNCT
ajst-20798	65	23	as	as	SCONJ
ajst-20798	65	24	they	they	PRON
ajst-20798	65	25	regulate	regulate	VERB
ajst-20798	65	26	payment	payment	NOUN
ajst-20798	65	27	settlement	settlement	NOUN
ajst-20798	65	28	activities	activity	NOUN
ajst-20798	65	29	and	and	CCONJ
ajst-20798	65	30	market	market	NOUN
ajst-20798	65	31	order	order	NOUN
ajst-20798	65	32	,	,	PUNCT
ajst-20798	65	33	directly	directly	ADV
ajst-20798	65	34	affecting	affect	VERB
ajst-20798	65	35	the	the	DET
ajst-20798	65	36	stability	stability	NOUN
ajst-20798	65	37	and	and	CCONJ
ajst-20798	65	38	predictability	predictability	NOUN
ajst-20798	65	39	of	of	ADP
ajst-20798	65	40	the	the	DET
ajst-20798	65	41	payment	payment	NOUN
ajst-20798	65	42	settlement	settlement	NOUN
ajst-20798	65	43	environment.firstly	environment.firstly	ADV
ajst-20798	65	44	,	,	PUNCT
ajst-20798	65	45	national	national	ADJ
ajst-20798	65	46	monetary	monetary	ADJ
ajst-20798	65	47	policies	policy	NOUN
ajst-20798	65	48	and	and	CCONJ
ajst-20798	65	49	financial	financial	ADJ
ajst-20798	65	50	regulatory	regulatory	ADJ
ajst-20798	65	51	policies	policy	NOUN
ajst-20798	65	52	play	play	VERB
ajst-20798	65	53	an	an	DET
ajst-20798	65	54	important	important	ADJ
ajst-20798	65	55	role	role	NOUN
ajst-20798	65	56	in	in	ADP
ajst-20798	65	57	managing	manage	VERB
ajst-20798	65	58	payment	payment	NOUN
ajst-20798	65	59	settlement	settlement	NOUN
ajst-20798	65	60	risks	risk	NOUN
ajst-20798	65	61	.	.	PUNCT
ajst-20798	66	1	the	the	DET
ajst-20798	66	2	regulation	regulation	NOUN
ajst-20798	66	3	of	of	ADP
ajst-20798	66	4	monetary	monetary	ADJ
ajst-20798	66	5	policy	policy	NOUN
ajst-20798	66	6	directly	directly	ADV
ajst-20798	66	7	affects	affect	VERB
ajst-20798	66	8	the	the	DET
ajst-20798	66	9	liquidity	liquidity	NOUN
ajst-20798	66	10	and	and	CCONJ
ajst-20798	66	11	stability	stability	NOUN
ajst-20798	66	12	of	of	ADP
ajst-20798	66	13	funds	fund	NOUN
ajst-20798	66	14	,	,	PUNCT
ajst-20798	66	15	thereby	thereby	ADV
ajst-20798	66	16	influencing	influence	VERB
ajst-20798	66	17	the	the	DET
ajst-20798	66	18	safety	safety	NOUN
ajst-20798	66	19	and	and	CCONJ
ajst-20798	66	20	reliability	reliability	NOUN
ajst-20798	66	21	of	of	ADP
ajst-20798	66	22	the	the	DET
ajst-20798	66	23	payment	payment	NOUN
ajst-20798	66	24	settlement	settlement	NOUN
ajst-20798	66	25	environment	environment	NOUN
ajst-20798	66	26	.	.	PUNCT
ajst-20798	67	1	the	the	DET
ajst-20798	67	2	formulation	formulation	NOUN
ajst-20798	67	3	and	and	CCONJ
ajst-20798	67	4	implementation	implementation	NOUN
ajst-20798	67	5	of	of	ADP
ajst-20798	67	6	financial	financial	ADJ
ajst-20798	67	7	regulatory	regulatory	ADJ
ajst-20798	67	8	policies	policy	NOUN
ajst-20798	67	9	help	help	VERB
ajst-20798	67	10	regulate	regulate	VERB
ajst-20798	67	11	payment	payment	NOUN
ajst-20798	67	12	settlement	settlement	NOUN
ajst-20798	67	13	activities	activity	NOUN
ajst-20798	67	14	,	,	PUNCT
ajst-20798	67	15	strengthen	strengthen	VERB
ajst-20798	67	16	risk	risk	NOUN
ajst-20798	67	17	monitoring	monitoring	NOUN
ajst-20798	67	18	and	and	CCONJ
ajst-20798	67	19	management	management	NOUN
ajst-20798	67	20	,	,	PUNCT
ajst-20798	67	21	and	and	CCONJ
ajst-20798	67	22	prevent	prevent	VERB
ajst-20798	67	23	the	the	DET
ajst-20798	67	24	occurrence	occurrence	NOUN
ajst-20798	67	25	of	of	ADP
ajst-20798	67	26	payment	payment	NOUN
ajst-20798	67	27	settlement	settlement	NOUN
ajst-20798	67	28	risks.secondly	risks.secondly	ADV
ajst-20798	67	29	,	,	PUNCT
ajst-20798	67	30	relevant	relevant	ADJ
ajst-20798	67	31	laws	law	NOUN
ajst-20798	67	32	and	and	CCONJ
ajst-20798	67	33	regulations	regulation	NOUN
ajst-20798	67	34	provide	provide	VERB
ajst-20798	67	35	clear	clear	ADJ
ajst-20798	67	36	provisions	provision	NOUN
ajst-20798	67	37	and	and	CCONJ
ajst-20798	67	38	requirements	requirement	NOUN
ajst-20798	67	39	for	for	ADP
ajst-20798	67	40	payment	payment	NOUN
ajst-20798	67	41	settlement	settlement	NOUN
ajst-20798	67	42	activities	activity	NOUN
ajst-20798	67	43	and	and	CCONJ
ajst-20798	67	44	risk	risk	NOUN
ajst-20798	67	45	management	management	NOUN
ajst-20798	67	46	.	.	PUNCT
ajst-20798	68	1	for	for	ADP
ajst-20798	68	2	example	example	NOUN
ajst-20798	68	3	,	,	PUNCT
ajst-20798	68	4	antimoney	antimoney	NOUN
ajst-20798	68	5	laundering	laundering	NOUN
ajst-20798	68	6	laws	law	NOUN
ajst-20798	68	7	,	,	PUNCT
ajst-20798	68	8	payment	payment	NOUN
ajst-20798	68	9	institution	institution	NOUN
ajst-20798	68	10	regulations	regulation	NOUN
ajst-20798	68	11	,	,	PUNCT
ajst-20798	68	12	ecommerce	ecommerce	NOUN
ajst-20798	68	13	laws	law	NOUN
ajst-20798	68	14	,	,	PUNCT
ajst-20798	68	15	and	and	CCONJ
ajst-20798	68	16	other	other	ADJ
ajst-20798	68	17	laws	law	NOUN
ajst-20798	68	18	and	and	CCONJ
ajst-20798	68	19	regulations	regulation	NOUN
ajst-20798	68	20	stipulate	stipulate	VERB
ajst-20798	68	21	the	the	DET
ajst-20798	68	22	legitimacy	legitimacy	NOUN
ajst-20798	68	23	and	and	CCONJ
ajst-20798	68	24	normativity	normativity	NOUN
ajst-20798	68	25	requirements	requirement	NOUN
ajst-20798	68	26	of	of	ADP
ajst-20798	68	27	payment	payment	NOUN
ajst-20798	68	28	122	122	NUM
ajst-20798	68	29	settlement	settlement	NOUN
ajst-20798	68	30	business	business	NOUN
ajst-20798	68	31	,	,	PUNCT
ajst-20798	68	32	requiring	require	VERB
ajst-20798	68	33	payment	payment	NOUN
ajst-20798	68	34	institutions	institution	NOUN
ajst-20798	68	35	to	to	PART
ajst-20798	68	36	strengthen	strengthen	VERB
ajst-20798	68	37	customer	customer	NOUN
ajst-20798	68	38	identification	identification	NOUN
ajst-20798	68	39	,	,	PUNCT
ajst-20798	68	40	transaction	transaction	NOUN
ajst-20798	68	41	monitoring	monitoring	NOUN
ajst-20798	68	42	,	,	PUNCT
ajst-20798	68	43	and	and	CCONJ
ajst-20798	68	44	risk	risk	NOUN
ajst-20798	68	45	prevention	prevention	NOUN
ajst-20798	68	46	measures	measure	NOUN
ajst-20798	68	47	to	to	PART
ajst-20798	68	48	reduce	reduce	VERB
ajst-20798	68	49	fraudulent	fraudulent	ADJ
ajst-20798	68	50	activities	activity	NOUN
ajst-20798	68	51	and	and	CCONJ
ajst-20798	68	52	money	money	NOUN
ajst-20798	68	53	laundering	launder	VERB
ajst-20798	68	54	risks.additionally	risks.additionally	ADV
ajst-20798	68	55	,	,	PUNCT
ajst-20798	68	56	international	international	ADJ
ajst-20798	68	57	standards	standard	NOUN
ajst-20798	68	58	and	and	CCONJ
ajst-20798	68	59	regulations	regulation	NOUN
ajst-20798	68	60	from	from	ADP
ajst-20798	68	61	international	international	ADJ
ajst-20798	68	62	organizations	organization	NOUN
ajst-20798	68	63	also	also	ADV
ajst-20798	68	64	influence	influence	VERB
ajst-20798	68	65	the	the	DET
ajst-20798	68	66	management	management	NOUN
ajst-20798	68	67	of	of	ADP
ajst-20798	68	68	payment	payment	NOUN
ajst-20798	68	69	settlement	settlement	NOUN
ajst-20798	68	70	risks	risk	NOUN
ajst-20798	68	71	.	.	PUNCT
ajst-20798	69	1	for	for	ADP
ajst-20798	69	2	example	example	NOUN
ajst-20798	69	3	,	,	PUNCT
ajst-20798	69	4	the	the	DET
ajst-20798	69	5	"	"	PUNCT
ajst-20798	69	6	core	core	ADJ
ajst-20798	69	7	principles	principle	NOUN
ajst-20798	69	8	for	for	ADP
ajst-20798	69	9	systemically	systemically	ADV
ajst-20798	69	10	important	important	ADJ
ajst-20798	69	11	payment	payment	NOUN
ajst-20798	69	12	systems	system	NOUN
ajst-20798	69	13	"	"	PUNCT
ajst-20798	69	14	issued	issue	VERB
ajst-20798	69	15	by	by	ADP
ajst-20798	69	16	the	the	DET
ajst-20798	69	17	bank	bank	NOUN
ajst-20798	69	18	for	for	ADP
ajst-20798	69	19	international	international	ADJ
ajst-20798	69	20	settlements	settlement	NOUN
ajst-20798	69	21	(	(	PUNCT
ajst-20798	69	22	bis	bis	ADJ
ajst-20798	69	23	)	)	PUNCT
ajst-20798	69	24	and	and	CCONJ
ajst-20798	69	25	the	the	DET
ajst-20798	69	26	requirements	requirement	NOUN
ajst-20798	69	27	of	of	ADP
ajst-20798	69	28	the	the	DET
ajst-20798	69	29	bank	bank	NOUN
ajst-20798	69	30	for	for	ADP
ajst-20798	69	31	international	international	ADJ
ajst-20798	69	32	settlements	settlement	NOUN
ajst-20798	69	33	on	on	ADP
ajst-20798	69	34	financial	financial	ADJ
ajst-20798	69	35	stability	stability	NOUN
ajst-20798	69	36	provide	provide	VERB
ajst-20798	69	37	specific	specific	ADJ
ajst-20798	69	38	requirements	requirement	NOUN
ajst-20798	69	39	and	and	CCONJ
ajst-20798	69	40	guidance	guidance	NOUN
ajst-20798	69	41	for	for	ADP
ajst-20798	69	42	the	the	DET
ajst-20798	69	43	management	management	NOUN
ajst-20798	69	44	of	of	ADP
ajst-20798	69	45	payment	payment	NOUN
ajst-20798	69	46	settlement	settlement	NOUN
ajst-20798	69	47	risks.in	risks.in	X
ajst-20798	69	48	summary	summary	NOUN
ajst-20798	69	49	,	,	PUNCT
ajst-20798	69	50	policy	policy	NOUN
ajst-20798	69	51	and	and	CCONJ
ajst-20798	69	52	regulatory	regulatory	ADJ
ajst-20798	69	53	factors	factor	NOUN
ajst-20798	69	54	are	be	AUX
ajst-20798	69	55	crucial	crucial	ADJ
ajst-20798	69	56	for	for	ADP
ajst-20798	69	57	the	the	DET
ajst-20798	69	58	management	management	NOUN
ajst-20798	69	59	of	of	ADP
ajst-20798	69	60	payment	payment	NOUN
ajst-20798	69	61	settlement	settlement	NOUN
ajst-20798	69	62	risks	risk	NOUN
ajst-20798	69	63	.	.	PUNCT
ajst-20798	70	1	commercial	commercial	ADJ
ajst-20798	70	2	banks	bank	NOUN
ajst-20798	70	3	need	need	VERB
ajst-20798	70	4	to	to	PART
ajst-20798	70	5	closely	closely	ADV
ajst-20798	70	6	follow	follow	VERB
ajst-20798	70	7	the	the	DET
ajst-20798	70	8	changes	change	NOUN
ajst-20798	70	9	and	and	CCONJ
ajst-20798	70	10	requirements	requirement	NOUN
ajst-20798	70	11	of	of	ADP
ajst-20798	70	12	relevant	relevant	ADJ
ajst-20798	70	13	policies	policy	NOUN
ajst-20798	70	14	and	and	CCONJ
ajst-20798	70	15	regulations	regulation	NOUN
ajst-20798	70	16	,	,	PUNCT
ajst-20798	70	17	adjust	adjust	VERB
ajst-20798	70	18	and	and	CCONJ
ajst-20798	70	19	improve	improve	VERB
ajst-20798	70	20	payment	payment	NOUN
ajst-20798	70	21	settlement	settlement	NOUN
ajst-20798	70	22	business	business	NOUN
ajst-20798	70	23	and	and	CCONJ
ajst-20798	70	24	risk	risk	NOUN
ajst-20798	70	25	management	management	NOUN
ajst-20798	70	26	measures	measure	NOUN
ajst-20798	70	27	in	in	ADP
ajst-20798	70	28	a	a	DET
ajst-20798	70	29	timely	timely	ADJ
ajst-20798	70	30	manner	manner	NOUN
ajst-20798	70	31	to	to	PART
ajst-20798	70	32	ensure	ensure	VERB
ajst-20798	70	33	the	the	DET
ajst-20798	70	34	legitimacy	legitimacy	NOUN
ajst-20798	70	35	,	,	PUNCT
ajst-20798	70	36	normativity	normativity	NOUN
ajst-20798	70	37	,	,	PUNCT
ajst-20798	70	38	and	and	CCONJ
ajst-20798	70	39	stability	stability	NOUN
ajst-20798	70	40	of	of	ADP
ajst-20798	70	41	their	their	PRON
ajst-20798	70	42	business	business	NOUN
ajst-20798	70	43	.	.	PUNCT
ajst-20798	71	1	meanwhile	meanwhile	ADV
ajst-20798	71	2	,	,	PUNCT
ajst-20798	71	3	strengthening	strengthen	VERB
ajst-20798	71	4	communication	communication	NOUN
ajst-20798	71	5	and	and	CCONJ
ajst-20798	71	6	cooperation	cooperation	NOUN
ajst-20798	71	7	with	with	ADP
ajst-20798	71	8	regulatory	regulatory	ADJ
ajst-20798	71	9	authorities	authority	NOUN
ajst-20798	71	10	,	,	PUNCT
ajst-20798	71	11	complying	comply	VERB
ajst-20798	71	12	with	with	ADP
ajst-20798	71	13	legal	legal	ADJ
ajst-20798	71	14	requirements	requirement	NOUN
ajst-20798	71	15	,	,	PUNCT
ajst-20798	71	16	and	and	CCONJ
ajst-20798	71	17	enhancing	enhance	VERB
ajst-20798	71	18	the	the	DET
ajst-20798	71	19	level	level	NOUN
ajst-20798	71	20	and	and	CCONJ
ajst-20798	71	21	effectiveness	effectiveness	NOUN
ajst-20798	71	22	of	of	ADP
ajst-20798	71	23	payment	payment	NOUN
ajst-20798	71	24	settlement	settlement	NOUN
ajst-20798	71	25	risk	risk	NOUN
ajst-20798	71	26	management	management	NOUN
ajst-20798	71	27	are	be	AUX
ajst-20798	71	28	essential[3	essential[3	NOUN
ajst-20798	71	29	]	]	PUNCT
ajst-20798	71	30	.	.	PUNCT
ajst-20798	72	1	4	4	X
ajst-20798	72	2	.	.	X
ajst-20798	72	3	payment	payment	NOUN
ajst-20798	72	4	and	and	CCONJ
ajst-20798	72	5	settlement	settlement	NOUN
ajst-20798	72	6	risk	risk	NOUN
ajst-20798	72	7	prevention	prevention	NOUN
ajst-20798	72	8	strategy	strategy	NOUN
ajst-20798	72	9	4.1	4.1	NUM
ajst-20798	72	10	.	.	PUNCT
ajst-20798	73	1	risk	risk	NOUN
ajst-20798	73	2	management	management	NOUN
ajst-20798	73	3	framework	framework	NOUN
ajst-20798	73	4	to	to	PART
ajst-20798	73	5	effectively	effectively	ADV
ajst-20798	73	6	prevent	prevent	VERB
ajst-20798	73	7	payment	payment	NOUN
ajst-20798	73	8	settlement	settlement	NOUN
ajst-20798	73	9	risks	risk	NOUN
ajst-20798	74	1	,	,	PUNCT
ajst-20798	74	2	commercial	commercial	ADJ
ajst-20798	74	3	banks	bank	NOUN
ajst-20798	74	4	need	need	VERB
ajst-20798	74	5	to	to	PART
ajst-20798	74	6	establish	establish	VERB
ajst-20798	74	7	a	a	DET
ajst-20798	74	8	comprehensive	comprehensive	ADJ
ajst-20798	74	9	risk	risk	NOUN
ajst-20798	74	10	management	management	NOUN
ajst-20798	74	11	framework	framework	NOUN
ajst-20798	74	12	.	.	PUNCT
ajst-20798	75	1	firstly	firstly	ADV
ajst-20798	75	2	,	,	PUNCT
ajst-20798	75	3	risk	risk	NOUN
ajst-20798	75	4	identification	identification	NOUN
ajst-20798	75	5	and	and	CCONJ
ajst-20798	75	6	assessment	assessment	NOUN
ajst-20798	75	7	are	be	AUX
ajst-20798	75	8	crucial	crucial	ADJ
ajst-20798	75	9	steps	step	NOUN
ajst-20798	75	10	.	.	PUNCT
ajst-20798	76	1	banks	bank	NOUN
ajst-20798	76	2	should	should	AUX
ajst-20798	76	3	comprehensively	comprehensively	ADV
ajst-20798	76	4	analyze	analyze	VERB
ajst-20798	76	5	and	and	CCONJ
ajst-20798	76	6	assess	assess	VERB
ajst-20798	76	7	various	various	ADJ
ajst-20798	76	8	risks	risk	NOUN
ajst-20798	76	9	that	that	PRON
ajst-20798	76	10	may	may	AUX
ajst-20798	76	11	exist	exist	VERB
ajst-20798	76	12	in	in	ADP
ajst-20798	76	13	payment	payment	NOUN
ajst-20798	76	14	settlement	settlement	NOUN
ajst-20798	76	15	activities	activity	NOUN
ajst-20798	76	16	,	,	PUNCT
ajst-20798	76	17	quantifying	quantify	VERB
ajst-20798	76	18	their	their	PRON
ajst-20798	76	19	potential	potential	ADJ
ajst-20798	76	20	impacts	impact	NOUN
ajst-20798	76	21	and	and	CCONJ
ajst-20798	76	22	probabilities	probability	NOUN
ajst-20798	76	23	of	of	ADP
ajst-20798	76	24	occurrence	occurrence	NOUN
ajst-20798	76	25	.	.	PUNCT
ajst-20798	77	1	secondly	secondly	ADV
ajst-20798	77	2	,	,	PUNCT
ajst-20798	77	3	internal	internal	ADJ
ajst-20798	77	4	controls	control	NOUN
ajst-20798	77	5	and	and	CCONJ
ajst-20798	77	6	process	process	NOUN
ajst-20798	77	7	standardization	standardization	NOUN
ajst-20798	77	8	are	be	AUX
ajst-20798	77	9	paramount	paramount	ADJ
ajst-20798	77	10	.	.	PUNCT
ajst-20798	78	1	banks	bank	NOUN
ajst-20798	78	2	should	should	AUX
ajst-20798	78	3	establish	establish	VERB
ajst-20798	78	4	clear	clear	ADJ
ajst-20798	78	5	internal	internal	ADJ
ajst-20798	78	6	control	control	NOUN
ajst-20798	78	7	systems	system	NOUN
ajst-20798	78	8	and	and	CCONJ
ajst-20798	78	9	process	process	NOUN
ajst-20798	78	10	standards	standard	NOUN
ajst-20798	78	11	,	,	PUNCT
ajst-20798	78	12	including	include	VERB
ajst-20798	78	13	job	job	NOUN
ajst-20798	78	14	responsibilities	responsibility	NOUN
ajst-20798	78	15	and	and	CCONJ
ajst-20798	78	16	authority	authority	NOUN
ajst-20798	78	17	assignments	assignment	NOUN
ajst-20798	78	18	,	,	PUNCT
ajst-20798	78	19	to	to	PART
ajst-20798	78	20	reduce	reduce	VERB
ajst-20798	78	21	operational	operational	ADJ
ajst-20798	78	22	risks	risk	NOUN
ajst-20798	78	23	and	and	CCONJ
ajst-20798	78	24	human	human	ADJ
ajst-20798	78	25	errors	error	NOUN
ajst-20798	78	26	.	.	PUNCT
ajst-20798	79	1	technology	technology	NOUN
ajst-20798	79	2	and	and	CCONJ
ajst-20798	79	3	information	information	NOUN
ajst-20798	79	4	security	security	NOUN
ajst-20798	79	5	are	be	AUX
ajst-20798	79	6	another	another	DET
ajst-20798	79	7	critical	critical	ADJ
ajst-20798	79	8	aspect	aspect	NOUN
ajst-20798	79	9	.	.	PUNCT
ajst-20798	80	1	banks	bank	NOUN
ajst-20798	80	2	should	should	AUX
ajst-20798	80	3	employ	employ	VERB
ajst-20798	80	4	advanced	advanced	ADJ
ajst-20798	80	5	technological	technological	ADJ
ajst-20798	80	6	means	mean	NOUN
ajst-20798	80	7	and	and	CCONJ
ajst-20798	80	8	security	security	NOUN
ajst-20798	80	9	measures	measure	NOUN
ajst-20798	80	10	,	,	PUNCT
ajst-20798	80	11	encrypt	encrypt	VERB
ajst-20798	80	12	data	data	NOUN
ajst-20798	80	13	transmission	transmission	NOUN
ajst-20798	80	14	and	and	CCONJ
ajst-20798	80	15	storage	storage	NOUN
ajst-20798	80	16	,	,	PUNCT
ajst-20798	80	17	and	and	CCONJ
ajst-20798	80	18	establish	establish	VERB
ajst-20798	80	19	a	a	DET
ajst-20798	80	20	comprehensive	comprehensive	ADJ
ajst-20798	80	21	network	network	NOUN
ajst-20798	80	22	security	security	NOUN
ajst-20798	80	23	protection	protection	NOUN
ajst-20798	80	24	system	system	NOUN
ajst-20798	80	25	to	to	PART
ajst-20798	80	26	ensure	ensure	VERB
ajst-20798	80	27	the	the	DET
ajst-20798	80	28	stability	stability	NOUN
ajst-20798	80	29	and	and	CCONJ
ajst-20798	80	30	security	security	NOUN
ajst-20798	80	31	of	of	ADP
ajst-20798	80	32	payment	payment	NOUN
ajst-20798	80	33	settlement	settlement	NOUN
ajst-20798	80	34	systems	system	NOUN
ajst-20798	80	35	.	.	PUNCT
ajst-20798	81	1	monitoring	monitoring	NOUN
ajst-20798	81	2	and	and	CCONJ
ajst-20798	81	3	reporting	reporting	NOUN
ajst-20798	81	4	mechanisms	mechanism	NOUN
ajst-20798	81	5	are	be	AUX
ajst-20798	81	6	also	also	ADV
ajst-20798	81	7	indispensable	indispensable	ADJ
ajst-20798	81	8	.	.	PUNCT
ajst-20798	82	1	banks	bank	NOUN
ajst-20798	82	2	should	should	AUX
ajst-20798	82	3	establish	establish	VERB
ajst-20798	82	4	effective	effective	ADJ
ajst-20798	82	5	risk	risk	NOUN
ajst-20798	82	6	monitoring	monitoring	NOUN
ajst-20798	82	7	and	and	CCONJ
ajst-20798	82	8	alert	alert	ADJ
ajst-20798	82	9	mechanisms	mechanism	NOUN
ajst-20798	82	10	to	to	PART
ajst-20798	82	11	promptly	promptly	ADV
ajst-20798	82	12	identify	identify	VERB
ajst-20798	82	13	and	and	CCONJ
ajst-20798	82	14	respond	respond	VERB
ajst-20798	82	15	to	to	ADP
ajst-20798	82	16	changes	change	NOUN
ajst-20798	82	17	and	and	CCONJ
ajst-20798	82	18	anomalies	anomaly	NOUN
ajst-20798	82	19	in	in	ADP
ajst-20798	82	20	risks	risk	NOUN
ajst-20798	82	21	and	and	CCONJ
ajst-20798	82	22	report	report	VERB
ajst-20798	82	23	risk	risk	NOUN
ajst-20798	82	24	situations	situation	NOUN
ajst-20798	82	25	to	to	ADP
ajst-20798	82	26	management	management	NOUN
ajst-20798	82	27	and	and	CCONJ
ajst-20798	82	28	regulatory	regulatory	ADJ
ajst-20798	82	29	authorities	authority	NOUN
ajst-20798	82	30	.	.	PUNCT
ajst-20798	83	1	additionally	additionally	ADV
ajst-20798	83	2	,	,	PUNCT
ajst-20798	83	3	banks	bank	NOUN
ajst-20798	83	4	should	should	AUX
ajst-20798	83	5	foster	foster	VERB
ajst-20798	83	6	a	a	DET
ajst-20798	83	7	risk	risk	NOUN
ajst-20798	83	8	management	management	NOUN
ajst-20798	83	9	culture	culture	NOUN
ajst-20798	83	10	,	,	PUNCT
ajst-20798	83	11	enhance	enhance	VERB
ajst-20798	83	12	employee	employee	NOUN
ajst-20798	83	13	training	training	NOUN
ajst-20798	83	14	and	and	CCONJ
ajst-20798	83	15	education	education	NOUN
ajst-20798	83	16	,	,	PUNCT
ajst-20798	83	17	improve	improve	VERB
ajst-20798	83	18	employees	employee	NOUN
ajst-20798	83	19	'	'	PART
ajst-20798	83	20	risk	risk	NOUN
ajst-20798	83	21	awareness	awareness	NOUN
ajst-20798	83	22	and	and	CCONJ
ajst-20798	83	23	management	management	NOUN
ajst-20798	83	24	capabilities	capability	NOUN
ajst-20798	83	25	,	,	PUNCT
ajst-20798	83	26	establish	establish	VERB
ajst-20798	83	27	reward	reward	NOUN
ajst-20798	83	28	and	and	CCONJ
ajst-20798	83	29	punishment	punishment	NOUN
ajst-20798	83	30	mechanisms	mechanism	NOUN
ajst-20798	83	31	and	and	CCONJ
ajst-20798	83	32	incentive	incentive	NOUN
ajst-20798	83	33	measures	measure	NOUN
ajst-20798	83	34	to	to	PART
ajst-20798	83	35	promote	promote	VERB
ajst-20798	83	36	employees	employee	NOUN
ajst-20798	83	37	'	'	PART
ajst-20798	83	38	voluntary	voluntary	ADJ
ajst-20798	83	39	compliance	compliance	NOUN
ajst-20798	83	40	with	with	ADP
ajst-20798	83	41	risk	risk	NOUN
ajst-20798	83	42	management	management	NOUN
ajst-20798	83	43	regulations	regulation	NOUN
ajst-20798	83	44	and	and	CCONJ
ajst-20798	83	45	operating	operating	NOUN
ajst-20798	83	46	procedures	procedure	NOUN
ajst-20798	83	47	.	.	PUNCT
ajst-20798	84	1	in	in	ADP
ajst-20798	84	2	summary	summary	NOUN
ajst-20798	84	3	,	,	PUNCT
ajst-20798	84	4	establishing	establish	VERB
ajst-20798	84	5	a	a	DET
ajst-20798	84	6	sound	sound	ADJ
ajst-20798	84	7	risk	risk	NOUN
ajst-20798	84	8	management	management	NOUN
ajst-20798	84	9	framework	framework	NOUN
ajst-20798	84	10	is	be	AUX
ajst-20798	84	11	crucial	crucial	ADJ
ajst-20798	84	12	for	for	SCONJ
ajst-20798	84	13	commercial	commercial	ADJ
ajst-20798	84	14	banks	bank	NOUN
ajst-20798	84	15	to	to	PART
ajst-20798	84	16	effectively	effectively	ADV
ajst-20798	84	17	prevent	prevent	VERB
ajst-20798	84	18	payment	payment	NOUN
ajst-20798	84	19	settlement	settlement	NOUN
ajst-20798	84	20	risks	risk	NOUN
ajst-20798	84	21	.	.	PUNCT
ajst-20798	85	1	banks	bank	NOUN
ajst-20798	85	2	should	should	AUX
ajst-20798	85	3	formulate	formulate	VERB
ajst-20798	85	4	corresponding	corresponding	ADJ
ajst-20798	85	5	risk	risk	NOUN
ajst-20798	85	6	management	management	NOUN
ajst-20798	85	7	policies	policy	NOUN
ajst-20798	85	8	and	and	CCONJ
ajst-20798	85	9	measures	measure	NOUN
ajst-20798	85	10	according	accord	VERB
ajst-20798	85	11	to	to	ADP
ajst-20798	85	12	their	their	PRON
ajst-20798	85	13	own	own	ADJ
ajst-20798	85	14	situations	situation	NOUN
ajst-20798	85	15	and	and	CCONJ
ajst-20798	85	16	risk	risk	NOUN
ajst-20798	85	17	characteristics	characteristic	NOUN
ajst-20798	85	18	,	,	PUNCT
ajst-20798	85	19	continuously	continuously	ADV
ajst-20798	85	20	improve	improve	VERB
ajst-20798	85	21	risk	risk	NOUN
ajst-20798	85	22	management	management	NOUN
ajst-20798	85	23	mechanisms	mechanism	NOUN
ajst-20798	85	24	and	and	CCONJ
ajst-20798	85	25	control	control	NOUN
ajst-20798	85	26	systems	system	NOUN
ajst-20798	85	27	to	to	PART
ajst-20798	85	28	ensure	ensure	VERB
ajst-20798	85	29	the	the	DET
ajst-20798	85	30	safety	safety	NOUN
ajst-20798	85	31	,	,	PUNCT
ajst-20798	85	32	stability	stability	NOUN
ajst-20798	85	33	,	,	PUNCT
ajst-20798	85	34	and	and	CCONJ
ajst-20798	85	35	efficiency	efficiency	NOUN
ajst-20798	85	36	of	of	ADP
ajst-20798	85	37	payment	payment	NOUN
ajst-20798	85	38	settlement	settlement	NOUN
ajst-20798	85	39	activities	activity	NOUN
ajst-20798	85	40	.	.	PUNCT
ajst-20798	86	1	4.2	4.2	NUM
ajst-20798	86	2	.	.	PUNCT
ajst-20798	86	3	internal	internal	ADJ
ajst-20798	86	4	control	control	NOUN
ajst-20798	86	5	measures	measure	VERB
ajst-20798	86	6	internal	internal	ADJ
ajst-20798	86	7	control	control	NOUN
ajst-20798	86	8	measures	measure	NOUN
ajst-20798	86	9	are	be	AUX
ajst-20798	86	10	a	a	DET
ajst-20798	86	11	key	key	ADJ
ajst-20798	86	12	component	component	NOUN
ajst-20798	86	13	of	of	ADP
ajst-20798	86	14	effectively	effectively	ADV
ajst-20798	86	15	preventing	prevent	VERB
ajst-20798	86	16	payment	payment	NOUN
ajst-20798	86	17	settlement	settlement	NOUN
ajst-20798	86	18	risks	risk	NOUN
ajst-20798	86	19	,	,	PUNCT
ajst-20798	86	20	and	and	CCONJ
ajst-20798	86	21	commercial	commercial	ADJ
ajst-20798	86	22	banks	bank	NOUN
ajst-20798	86	23	need	need	VERB
ajst-20798	86	24	to	to	PART
ajst-20798	86	25	establish	establish	VERB
ajst-20798	86	26	a	a	DET
ajst-20798	86	27	series	series	NOUN
ajst-20798	86	28	of	of	ADP
ajst-20798	86	29	stringent	stringent	ADJ
ajst-20798	86	30	internal	internal	ADJ
ajst-20798	86	31	control	control	NOUN
ajst-20798	86	32	mechanisms	mechanism	NOUN
ajst-20798	86	33	to	to	PART
ajst-20798	86	34	ensure	ensure	VERB
ajst-20798	86	35	the	the	DET
ajst-20798	86	36	safety	safety	NOUN
ajst-20798	86	37	and	and	CCONJ
ajst-20798	86	38	compliance	compliance	NOUN
ajst-20798	86	39	of	of	ADP
ajst-20798	86	40	payment	payment	NOUN
ajst-20798	86	41	settlement	settlement	NOUN
ajst-20798	86	42	activities	activity	NOUN
ajst-20798	86	43	.	.	PUNCT
ajst-20798	87	1	firstly	firstly	ADV
ajst-20798	87	2	,	,	PUNCT
ajst-20798	87	3	banks	bank	NOUN
ajst-20798	87	4	should	should	AUX
ajst-20798	87	5	establish	establish	VERB
ajst-20798	87	6	clear	clear	ADJ
ajst-20798	87	7	internal	internal	ADJ
ajst-20798	87	8	control	control	NOUN
ajst-20798	87	9	systems	system	NOUN
ajst-20798	87	10	and	and	CCONJ
ajst-20798	87	11	process	process	NOUN
ajst-20798	87	12	standards	standard	NOUN
ajst-20798	87	13	.	.	PUNCT
ajst-20798	88	1	this	this	PRON
ajst-20798	88	2	includes	include	VERB
ajst-20798	88	3	defining	define	VERB
ajst-20798	88	4	job	job	NOUN
ajst-20798	88	5	responsibilities	responsibility	NOUN
ajst-20798	88	6	and	and	CCONJ
ajst-20798	88	7	authority	authority	NOUN
ajst-20798	88	8	assignments	assignment	NOUN
ajst-20798	88	9	,	,	PUNCT
ajst-20798	88	10	standardizing	standardize	VERB
ajst-20798	88	11	and	and	CCONJ
ajst-20798	88	12	normalizing	normalizing	ADJ
ajst-20798	88	13	processes	process	NOUN
ajst-20798	88	14	,	,	PUNCT
ajst-20798	88	15	internal	internal	ADJ
ajst-20798	88	16	approval	approval	NOUN
ajst-20798	88	17	,	,	PUNCT
ajst-20798	88	18	and	and	CCONJ
ajst-20798	88	19	authorization	authorization	NOUN
ajst-20798	88	20	procedures	procedure	NOUN
ajst-20798	88	21	to	to	PART
ajst-20798	88	22	ensure	ensure	VERB
ajst-20798	88	23	that	that	SCONJ
ajst-20798	88	24	payment	payment	NOUN
ajst-20798	88	25	settlement	settlement	NOUN
ajst-20798	88	26	activities	activity	NOUN
ajst-20798	88	27	are	be	AUX
ajst-20798	88	28	conducted	conduct	VERB
ajst-20798	88	29	under	under	ADP
ajst-20798	88	30	strict	strict	ADJ
ajst-20798	88	31	control	control	NOUN
ajst-20798	88	32	and	and	CCONJ
ajst-20798	88	33	supervision	supervision	NOUN
ajst-20798	88	34	.	.	PUNCT
ajst-20798	89	1	secondly	secondly	ADV
ajst-20798	89	2	,	,	PUNCT
ajst-20798	89	3	banks	bank	NOUN
ajst-20798	89	4	should	should	AUX
ajst-20798	89	5	strengthen	strengthen	VERB
ajst-20798	89	6	the	the	DET
ajst-20798	89	7	monitoring	monitoring	NOUN
ajst-20798	89	8	and	and	CCONJ
ajst-20798	89	9	management	management	NOUN
ajst-20798	89	10	of	of	ADP
ajst-20798	89	11	risk	risk	NOUN
ajst-20798	89	12	events	event	NOUN
ajst-20798	89	13	.	.	PUNCT
ajst-20798	90	1	by	by	ADP
ajst-20798	90	2	establishing	establish	VERB
ajst-20798	90	3	effective	effective	ADJ
ajst-20798	90	4	risk	risk	NOUN
ajst-20798	90	5	monitoring	monitoring	NOUN
ajst-20798	90	6	systems	system	NOUN
ajst-20798	90	7	and	and	CCONJ
ajst-20798	90	8	alert	alert	ADJ
ajst-20798	90	9	mechanisms	mechanism	NOUN
ajst-20798	90	10	,	,	PUNCT
ajst-20798	90	11	banks	bank	NOUN
ajst-20798	90	12	can	can	AUX
ajst-20798	90	13	promptly	promptly	ADV
ajst-20798	90	14	detect	detect	VERB
ajst-20798	90	15	and	and	CCONJ
ajst-20798	90	16	respond	respond	VERB
ajst-20798	90	17	to	to	ADP
ajst-20798	90	18	the	the	DET
ajst-20798	90	19	occurrence	occurrence	NOUN
ajst-20798	90	20	of	of	ADP
ajst-20798	90	21	risk	risk	NOUN
ajst-20798	90	22	events	event	NOUN
ajst-20798	90	23	,	,	PUNCT
ajst-20798	90	24	preventing	prevent	VERB
ajst-20798	90	25	adverse	adverse	ADJ
ajst-20798	90	26	effects	effect	NOUN
ajst-20798	90	27	on	on	ADP
ajst-20798	90	28	payment	payment	NOUN
ajst-20798	90	29	settlement	settlement	NOUN
ajst-20798	90	30	activities	activity	NOUN
ajst-20798	90	31	.	.	PUNCT
ajst-20798	91	1	additionally	additionally	ADV
ajst-20798	91	2	,	,	PUNCT
ajst-20798	91	3	banks	bank	NOUN
ajst-20798	91	4	should	should	AUX
ajst-20798	91	5	enhance	enhance	VERB
ajst-20798	91	6	employee	employee	NOUN
ajst-20798	91	7	training	training	NOUN
ajst-20798	91	8	and	and	CCONJ
ajst-20798	91	9	education	education	NOUN
ajst-20798	91	10	to	to	PART
ajst-20798	91	11	improve	improve	VERB
ajst-20798	91	12	employees	employee	NOUN
ajst-20798	91	13	'	'	PART
ajst-20798	91	14	risk	risk	NOUN
ajst-20798	91	15	awareness	awareness	NOUN
ajst-20798	91	16	and	and	CCONJ
ajst-20798	91	17	management	management	NOUN
ajst-20798	91	18	capabilities	capability	NOUN
ajst-20798	91	19	.	.	PUNCT
ajst-20798	92	1	conducting	conduct	VERB
ajst-20798	92	2	regular	regular	ADJ
ajst-20798	92	3	risk	risk	NOUN
ajst-20798	92	4	management	management	NOUN
ajst-20798	92	5	training	training	NOUN
ajst-20798	92	6	,	,	PUNCT
ajst-20798	92	7	strengthening	strengthen	VERB
ajst-20798	92	8	the	the	DET
ajst-20798	92	9	publicity	publicity	NOUN
ajst-20798	92	10	and	and	CCONJ
ajst-20798	92	11	training	training	NOUN
ajst-20798	92	12	of	of	ADP
ajst-20798	92	13	risk	risk	NOUN
ajst-20798	92	14	management	management	NOUN
ajst-20798	92	15	policies	policy	NOUN
ajst-20798	92	16	and	and	CCONJ
ajst-20798	92	17	processes	process	NOUN
ajst-20798	92	18	,	,	PUNCT
ajst-20798	92	19	so	so	SCONJ
ajst-20798	92	20	that	that	SCONJ
ajst-20798	92	21	employees	employee	NOUN
ajst-20798	92	22	fully	fully	ADV
ajst-20798	92	23	understand	understand	VERB
ajst-20798	92	24	and	and	CCONJ
ajst-20798	92	25	strictly	strictly	ADV
ajst-20798	92	26	comply	comply	VERB
ajst-20798	92	27	with	with	ADP
ajst-20798	92	28	internal	internal	ADJ
ajst-20798	92	29	control	control	NOUN
ajst-20798	92	30	regulations	regulation	NOUN
ajst-20798	92	31	and	and	CCONJ
ajst-20798	92	32	operating	operating	NOUN
ajst-20798	92	33	procedures	procedure	NOUN
ajst-20798	92	34	.	.	PUNCT
ajst-20798	93	1	furthermore	furthermore	ADV
ajst-20798	93	2	,	,	PUNCT
ajst-20798	93	3	banks	bank	NOUN
ajst-20798	93	4	should	should	AUX
ajst-20798	93	5	establish	establish	VERB
ajst-20798	93	6	a	a	DET
ajst-20798	93	7	sound	sound	ADJ
ajst-20798	93	8	internal	internal	ADJ
ajst-20798	93	9	audit	audit	NOUN
ajst-20798	93	10	and	and	CCONJ
ajst-20798	93	11	supervision	supervision	NOUN
ajst-20798	93	12	mechanism	mechanism	NOUN
ajst-20798	93	13	to	to	PART
ajst-20798	93	14	conduct	conduct	VERB
ajst-20798	93	15	comprehensive	comprehensive	ADJ
ajst-20798	93	16	internal	internal	ADJ
ajst-20798	93	17	audits	audits	NOUN
ajst-20798	93	18	and	and	CCONJ
ajst-20798	93	19	supervision	supervision	NOUN
ajst-20798	93	20	of	of	ADP
ajst-20798	93	21	payment	payment	NOUN
ajst-20798	93	22	settlement	settlement	NOUN
ajst-20798	93	23	activities	activity	NOUN
ajst-20798	93	24	regularly	regularly	ADV
ajst-20798	93	25	,	,	PUNCT
ajst-20798	93	26	identify	identify	VERB
ajst-20798	93	27	and	and	CCONJ
ajst-20798	93	28	correct	correct	VERB
ajst-20798	93	29	existing	exist	VERB
ajst-20798	93	30	problems	problem	NOUN
ajst-20798	93	31	and	and	CCONJ
ajst-20798	93	32	risks	risk	NOUN
ajst-20798	93	33	,	,	PUNCT
ajst-20798	93	34	and	and	CCONJ
ajst-20798	93	35	ensure	ensure	VERB
ajst-20798	93	36	the	the	DET
ajst-20798	93	37	compliance	compliance	NOUN
ajst-20798	93	38	and	and	CCONJ
ajst-20798	93	39	standardization	standardization	NOUN
ajst-20798	93	40	of	of	ADP
ajst-20798	93	41	payment	payment	NOUN
ajst-20798	93	42	settlement	settlement	NOUN
ajst-20798	93	43	activities	activity	NOUN
ajst-20798	93	44	.	.	PUNCT
ajst-20798	94	1	lastly	lastly	ADV
ajst-20798	94	2	,	,	PUNCT
ajst-20798	94	3	banks	bank	NOUN
ajst-20798	94	4	should	should	AUX
ajst-20798	94	5	strengthen	strengthen	VERB
ajst-20798	94	6	communication	communication	NOUN
ajst-20798	94	7	and	and	CCONJ
ajst-20798	94	8	cooperation	cooperation	NOUN
ajst-20798	94	9	with	with	ADP
ajst-20798	94	10	external	external	ADJ
ajst-20798	94	11	partners	partner	NOUN
ajst-20798	94	12	and	and	CCONJ
ajst-20798	94	13	regulatory	regulatory	ADJ
ajst-20798	94	14	authorities	authority	NOUN
ajst-20798	94	15	,	,	PUNCT
ajst-20798	94	16	establish	establish	VERB
ajst-20798	94	17	good	good	ADJ
ajst-20798	94	18	cooperative	cooperative	ADJ
ajst-20798	94	19	relationships	relationship	NOUN
ajst-20798	94	20	and	and	CCONJ
ajst-20798	94	21	information	information	NOUN
ajst-20798	94	22	sharing	sharing	NOUN
ajst-20798	94	23	mechanisms	mechanism	NOUN
ajst-20798	94	24	,	,	PUNCT
ajst-20798	94	25	jointly	jointly	ADV
ajst-20798	94	26	address	address	VERB
ajst-20798	94	27	payment	payment	NOUN
ajst-20798	94	28	settlement	settlement	NOUN
ajst-20798	94	29	risks	risk	NOUN
ajst-20798	94	30	,	,	PUNCT
ajst-20798	94	31	and	and	CCONJ
ajst-20798	94	32	ensure	ensure	VERB
ajst-20798	94	33	the	the	DET
ajst-20798	94	34	safety	safety	NOUN
ajst-20798	94	35	and	and	CCONJ
ajst-20798	94	36	stability	stability	NOUN
ajst-20798	94	37	of	of	ADP
ajst-20798	94	38	payment	payment	NOUN
ajst-20798	94	39	settlement	settlement	NOUN
ajst-20798	94	40	activities	activity	NOUN
ajst-20798	94	41	.	.	PUNCT
ajst-20798	95	1	in	in	ADP
ajst-20798	95	2	conclusion	conclusion	NOUN
ajst-20798	95	3	,	,	PUNCT
ajst-20798	95	4	establishing	establish	VERB
ajst-20798	95	5	sound	sound	ADJ
ajst-20798	95	6	internal	internal	ADJ
ajst-20798	95	7	control	control	NOUN
ajst-20798	95	8	measures	measure	NOUN
ajst-20798	95	9	is	be	AUX
ajst-20798	95	10	an	an	DET
ajst-20798	95	11	important	important	ADJ
ajst-20798	95	12	means	mean	NOUN
ajst-20798	95	13	to	to	PART
ajst-20798	95	14	effectively	effectively	ADV
ajst-20798	95	15	prevent	prevent	VERB
ajst-20798	95	16	payment	payment	NOUN
ajst-20798	95	17	settlement	settlement	NOUN
ajst-20798	95	18	risks	risk	NOUN
ajst-20798	95	19	.	.	PUNCT
ajst-20798	96	1	commercial	commercial	ADJ
ajst-20798	96	2	banks	bank	NOUN
ajst-20798	96	3	should	should	AUX
ajst-20798	96	4	strengthen	strengthen	VERB
ajst-20798	96	5	the	the	DET
ajst-20798	96	6	construction	construction	NOUN
ajst-20798	96	7	and	and	CCONJ
ajst-20798	96	8	improvement	improvement	NOUN
ajst-20798	96	9	of	of	ADP
ajst-20798	96	10	internal	internal	ADJ
ajst-20798	96	11	control	control	NOUN
ajst-20798	96	12	measures	measure	NOUN
ajst-20798	96	13	according	accord	VERB
ajst-20798	96	14	to	to	ADP
ajst-20798	96	15	their	their	PRON
ajst-20798	96	16	own	own	ADJ
ajst-20798	96	17	business	business	NOUN
ajst-20798	96	18	characteristics	characteristic	NOUN
ajst-20798	96	19	and	and	CCONJ
ajst-20798	96	20	risk	risk	NOUN
ajst-20798	96	21	situations	situation	NOUN
ajst-20798	96	22	to	to	PART
ajst-20798	96	23	ensure	ensure	VERB
ajst-20798	96	24	the	the	DET
ajst-20798	96	25	safety	safety	NOUN
ajst-20798	96	26	,	,	PUNCT
ajst-20798	96	27	stability	stability	NOUN
ajst-20798	96	28	,	,	PUNCT
ajst-20798	96	29	and	and	CCONJ
ajst-20798	96	30	compliance	compliance	NOUN
ajst-20798	96	31	of	of	ADP
ajst-20798	96	32	payment	payment	NOUN
ajst-20798	96	33	settlement	settlement	NOUN
ajst-20798	96	34	activities[4	activities[4	PROPN
ajst-20798	96	35	]	]	PUNCT
ajst-20798	96	36	.	.	PUNCT
ajst-20798	97	1	4.3	4.3	NUM
ajst-20798	97	2	.	.	PUNCT
ajst-20798	97	3	technological	technological	ADJ
ajst-20798	97	4	and	and	CCONJ
ajst-20798	97	5	security	security	NOUN
ajst-20798	97	6	measures	measure	NOUN
ajst-20798	97	7	in	in	ADP
ajst-20798	97	8	the	the	DET
ajst-20798	97	9	prevention	prevention	NOUN
ajst-20798	97	10	of	of	ADP
ajst-20798	97	11	payment	payment	NOUN
ajst-20798	97	12	settlement	settlement	NOUN
ajst-20798	97	13	risks	risk	NOUN
ajst-20798	97	14	,	,	PUNCT
ajst-20798	97	15	technological	technological	ADJ
ajst-20798	97	16	and	and	CCONJ
ajst-20798	97	17	security	security	NOUN
ajst-20798	97	18	measures	measure	NOUN
ajst-20798	97	19	are	be	AUX
ajst-20798	97	20	crucial	crucial	ADJ
ajst-20798	97	21	,	,	PUNCT
ajst-20798	97	22	and	and	CCONJ
ajst-20798	97	23	commercial	commercial	ADJ
ajst-20798	97	24	banks	bank	NOUN
ajst-20798	97	25	need	need	VERB
ajst-20798	97	26	to	to	PART
ajst-20798	97	27	take	take	VERB
ajst-20798	97	28	a	a	DET
ajst-20798	97	29	series	series	NOUN
ajst-20798	97	30	of	of	ADP
ajst-20798	97	31	effective	effective	ADJ
ajst-20798	97	32	measures	measure	NOUN
ajst-20798	97	33	to	to	PART
ajst-20798	97	34	ensure	ensure	VERB
ajst-20798	97	35	the	the	DET
ajst-20798	97	36	security	security	NOUN
ajst-20798	97	37	and	and	CCONJ
ajst-20798	97	38	stability	stability	NOUN
ajst-20798	97	39	of	of	ADP
ajst-20798	97	40	payment	payment	NOUN
ajst-20798	97	41	settlement	settlement	NOUN
ajst-20798	97	42	systems	system	NOUN
ajst-20798	97	43	.	.	PUNCT
ajst-20798	98	1	firstly	firstly	ADV
ajst-20798	98	2	,	,	PUNCT
ajst-20798	98	3	commercial	commercial	ADJ
ajst-20798	98	4	banks	bank	NOUN
ajst-20798	98	5	should	should	AUX
ajst-20798	98	6	adopt	adopt	VERB
ajst-20798	98	7	advanced	advanced	ADJ
ajst-20798	98	8	technological	technological	ADJ
ajst-20798	98	9	means	mean	NOUN
ajst-20798	98	10	and	and	CCONJ
ajst-20798	98	11	security	security	NOUN
ajst-20798	98	12	technologies	technology	NOUN
ajst-20798	98	13	to	to	PART
ajst-20798	98	14	strengthen	strengthen	VERB
ajst-20798	98	15	the	the	DET
ajst-20798	98	16	protection	protection	NOUN
ajst-20798	98	17	of	of	ADP
ajst-20798	98	18	payment	payment	NOUN
ajst-20798	98	19	settlement	settlement	NOUN
ajst-20798	98	20	systems	system	NOUN
ajst-20798	98	21	.	.	PUNCT
ajst-20798	99	1	this	this	PRON
ajst-20798	99	2	includes	include	VERB
ajst-20798	99	3	using	use	VERB
ajst-20798	99	4	data	datum	NOUN
ajst-20798	99	5	encryption	encryption	NOUN
ajst-20798	99	6	technology	technology	NOUN
ajst-20798	99	7	,	,	PUNCT
ajst-20798	99	8	identity	identity	NOUN
ajst-20798	99	9	authentication	authentication	NOUN
ajst-20798	99	10	technology	technology	NOUN
ajst-20798	99	11	,	,	PUNCT
ajst-20798	99	12	access	access	NOUN
ajst-20798	99	13	control	control	NOUN
ajst-20798	99	14	technology	technology	NOUN
ajst-20798	99	15	,	,	PUNCT
ajst-20798	99	16	etc	etc	X
ajst-20798	99	17	.	.	X
ajst-20798	99	18	,	,	PUNCT
ajst-20798	99	19	to	to	PART
ajst-20798	99	20	ensure	ensure	VERB
ajst-20798	99	21	the	the	DET
ajst-20798	99	22	security	security	NOUN
ajst-20798	99	23	transmission	transmission	NOUN
ajst-20798	99	24	and	and	CCONJ
ajst-20798	99	25	storage	storage	NOUN
ajst-20798	99	26	of	of	ADP
ajst-20798	99	27	payment	payment	NOUN
ajst-20798	99	28	information	information	NOUN
ajst-20798	99	29	and	and	CCONJ
ajst-20798	99	30	prevent	prevent	VERB
ajst-20798	99	31	unauthorized	unauthorized	ADJ
ajst-20798	99	32	access	access	NOUN
ajst-20798	99	33	and	and	CCONJ
ajst-20798	99	34	tampering	tampering	NOUN
ajst-20798	99	35	of	of	ADP
ajst-20798	99	36	data	datum	NOUN
ajst-20798	99	37	.	.	PUNCT
ajst-20798	100	1	secondly	secondly	ADV
ajst-20798	100	2	,	,	PUNCT
ajst-20798	100	3	commercial	commercial	ADJ
ajst-20798	100	4	banks	bank	NOUN
ajst-20798	100	5	should	should	AUX
ajst-20798	100	6	establish	establish	VERB
ajst-20798	100	7	a	a	DET
ajst-20798	100	8	comprehensive	comprehensive	ADJ
ajst-20798	100	9	network	network	NOUN
ajst-20798	100	10	security	security	NOUN
ajst-20798	100	11	protection	protection	NOUN
ajst-20798	100	12	system	system	NOUN
ajst-20798	100	13	to	to	PART
ajst-20798	100	14	prevent	prevent	VERB
ajst-20798	100	15	network	network	NOUN
ajst-20798	100	16	attacks	attack	NOUN
ajst-20798	100	17	and	and	CCONJ
ajst-20798	100	18	malicious	malicious	ADJ
ajst-20798	100	19	intrusions	intrusion	NOUN
ajst-20798	100	20	.	.	PUNCT
ajst-20798	101	1	this	this	PRON
ajst-20798	101	2	includes	include	VERB
ajst-20798	101	3	establishing	establish	VERB
ajst-20798	101	4	firewalls	firewall	NOUN
ajst-20798	101	5	,	,	PUNCT
ajst-20798	101	6	intrusion	intrusion	NOUN
ajst-20798	101	7	detection	detection	NOUN
ajst-20798	101	8	systems	system	NOUN
ajst-20798	101	9	,	,	PUNCT
ajst-20798	101	10	security	security	NOUN
ajst-20798	101	11	monitoring	monitoring	NOUN
ajst-20798	101	12	systems	system	NOUN
ajst-20798	101	13	,	,	PUNCT
ajst-20798	101	14	etc	etc	X
ajst-20798	101	15	.	.	X
ajst-20798	101	16	,	,	PUNCT
ajst-20798	101	17	to	to	PART
ajst-20798	101	18	conduct	conduct	VERB
ajst-20798	101	19	comprehensive	comprehensive	ADJ
ajst-20798	101	20	network	network	NOUN
ajst-20798	101	21	security	security	NOUN
ajst-20798	101	22	monitoring	monitoring	NOUN
ajst-20798	101	23	and	and	CCONJ
ajst-20798	101	24	protection	protection	NOUN
ajst-20798	101	25	of	of	ADP
ajst-20798	101	26	payment	payment	NOUN
ajst-20798	101	27	settlement	settlement	NOUN
ajst-20798	101	28	systems	system	NOUN
ajst-20798	101	29	,	,	PUNCT
ajst-20798	101	30	promptly	promptly	ADV
ajst-20798	101	31	detect	detect	VERB
ajst-20798	101	32	and	and	CCONJ
ajst-20798	101	33	prevent	prevent	VERB
ajst-20798	101	34	potential	potential	ADJ
ajst-20798	101	35	security	security	NOUN
ajst-20798	101	36	threats	threat	NOUN
ajst-20798	101	37	.	.	PUNCT
ajst-20798	102	1	additionally	additionally	ADV
ajst-20798	102	2	,	,	PUNCT
ajst-20798	102	3	commercial	commercial	ADJ
ajst-20798	102	4	banks	bank	NOUN
ajst-20798	102	5	should	should	AUX
ajst-20798	102	6	strengthen	strengthen	VERB
ajst-20798	102	7	the	the	DET
ajst-20798	102	8	technical	technical	ADJ
ajst-20798	102	9	maintenance	maintenance	NOUN
ajst-20798	102	10	and	and	CCONJ
ajst-20798	102	11	updates	update	NOUN
ajst-20798	102	12	of	of	ADP
ajst-20798	102	13	payment	payment	NOUN
ajst-20798	102	14	settlement	settlement	NOUN
ajst-20798	102	15	systems	system	NOUN
ajst-20798	102	16	,	,	PUNCT
ajst-20798	102	17	timely	timely	ADJ
ajst-20798	102	18	patch	patch	NOUN
ajst-20798	102	19	system	system	NOUN
ajst-20798	102	20	vulnerabilities	vulnerability	NOUN
ajst-20798	102	21	and	and	CCONJ
ajst-20798	102	22	weaknesses	weakness	NOUN
ajst-20798	102	23	,	,	PUNCT
ajst-20798	102	24	enhance	enhance	VERB
ajst-20798	102	25	the	the	DET
ajst-20798	102	26	system	system	NOUN
ajst-20798	102	27	's	's	PART
ajst-20798	102	28	resistance	resistance	NOUN
ajst-20798	102	29	to	to	ADP
ajst-20798	102	30	attacks	attack	NOUN
ajst-20798	102	31	and	and	CCONJ
ajst-20798	102	32	stability	stability	NOUN
ajst-20798	102	33	.	.	PUNCT
ajst-20798	103	1	regular	regular	ADJ
ajst-20798	103	2	system	system	NOUN
ajst-20798	103	3	inspections	inspection	NOUN
ajst-20798	103	4	and	and	CCONJ
ajst-20798	103	5	vulnerability	vulnerability	NOUN
ajst-20798	103	6	scans	scan	NOUN
ajst-20798	103	7	should	should	AUX
ajst-20798	103	8	be	be	AUX
ajst-20798	103	9	conducted	conduct	VERB
ajst-20798	103	10	,	,	PUNCT
ajst-20798	103	11	and	and	CCONJ
ajst-20798	103	12	123	123	NUM
ajst-20798	103	13	system	system	NOUN
ajst-20798	103	14	patches	patch	NOUN
ajst-20798	103	15	and	and	CCONJ
ajst-20798	103	16	security	security	NOUN
ajst-20798	103	17	patches	patch	NOUN
ajst-20798	103	18	should	should	AUX
ajst-20798	103	19	be	be	AUX
ajst-20798	103	20	updated	update	VERB
ajst-20798	103	21	promptly	promptly	ADV
ajst-20798	103	22	to	to	PART
ajst-20798	103	23	ensure	ensure	VERB
ajst-20798	103	24	the	the	DET
ajst-20798	103	25	secure	secure	ADJ
ajst-20798	103	26	operation	operation	NOUN
ajst-20798	103	27	of	of	ADP
ajst-20798	103	28	payment	payment	NOUN
ajst-20798	103	29	settlement	settlement	NOUN
ajst-20798	103	30	systems	system	NOUN
ajst-20798	103	31	.	.	PUNCT
ajst-20798	104	1	furthermore	furthermore	ADV
ajst-20798	104	2	,	,	PUNCT
ajst-20798	104	3	commercial	commercial	ADJ
ajst-20798	104	4	banks	bank	NOUN
ajst-20798	104	5	should	should	AUX
ajst-20798	104	6	strengthen	strengthen	VERB
ajst-20798	104	7	the	the	DET
ajst-20798	104	8	security	security	NOUN
ajst-20798	104	9	management	management	NOUN
ajst-20798	104	10	and	and	CCONJ
ajst-20798	104	11	supervision	supervision	NOUN
ajst-20798	104	12	of	of	ADP
ajst-20798	104	13	internal	internal	ADJ
ajst-20798	104	14	personnel	personnel	NOUN
ajst-20798	104	15	and	and	CCONJ
ajst-20798	104	16	external	external	ADJ
ajst-20798	104	17	partners	partner	NOUN
ajst-20798	104	18	.	.	PUNCT
ajst-20798	105	1	enhance	enhance	VERB
ajst-20798	105	2	employee	employee	NOUN
ajst-20798	105	3	security	security	NOUN
ajst-20798	105	4	awareness	awareness	NOUN
ajst-20798	105	5	training	training	NOUN
ajst-20798	105	6	,	,	PUNCT
ajst-20798	105	7	establish	establish	VERB
ajst-20798	105	8	permission	permission	NOUN
ajst-20798	105	9	management	management	NOUN
ajst-20798	105	10	systems	system	NOUN
ajst-20798	105	11	and	and	CCONJ
ajst-20798	105	12	access	access	NOUN
ajst-20798	105	13	control	control	NOUN
ajst-20798	105	14	mechanisms	mechanism	NOUN
ajst-20798	105	15	to	to	PART
ajst-20798	105	16	prevent	prevent	VERB
ajst-20798	105	17	internal	internal	ADJ
ajst-20798	105	18	personnel	personnel	NOUN
ajst-20798	105	19	from	from	ADP
ajst-20798	105	20	abusing	abuse	VERB
ajst-20798	105	21	permissions	permission	NOUN
ajst-20798	105	22	and	and	CCONJ
ajst-20798	105	23	leaking	leak	VERB
ajst-20798	105	24	confidential	confidential	ADJ
ajst-20798	105	25	information	information	NOUN
ajst-20798	105	26	.	.	PUNCT
ajst-20798	106	1	at	at	ADP
ajst-20798	106	2	the	the	DET
ajst-20798	106	3	same	same	ADJ
ajst-20798	106	4	time	time	NOUN
ajst-20798	106	5	,	,	PUNCT
ajst-20798	106	6	strengthen	strengthen	VERB
ajst-20798	106	7	security	security	NOUN
ajst-20798	106	8	cooperation	cooperation	NOUN
ajst-20798	106	9	with	with	ADP
ajst-20798	106	10	external	external	ADJ
ajst-20798	106	11	partners	partner	NOUN
ajst-20798	106	12	,	,	PUNCT
ajst-20798	106	13	establish	establish	VERB
ajst-20798	106	14	security	security	NOUN
ajst-20798	106	15	cooperation	cooperation	NOUN
ajst-20798	106	16	mechanisms	mechanism	NOUN
ajst-20798	106	17	and	and	CCONJ
ajst-20798	106	18	information	information	NOUN
ajst-20798	106	19	sharing	sharing	NOUN
ajst-20798	106	20	mechanisms	mechanism	NOUN
ajst-20798	106	21	,	,	PUNCT
ajst-20798	106	22	jointly	jointly	ADV
ajst-20798	106	23	prevent	prevent	VERB
ajst-20798	106	24	payment	payment	NOUN
ajst-20798	106	25	settlement	settlement	NOUN
ajst-20798	106	26	risks	risk	NOUN
ajst-20798	106	27	,	,	PUNCT
ajst-20798	106	28	and	and	CCONJ
ajst-20798	106	29	ensure	ensure	VERB
ajst-20798	106	30	the	the	DET
ajst-20798	106	31	safety	safety	NOUN
ajst-20798	106	32	and	and	CCONJ
ajst-20798	106	33	stability	stability	NOUN
ajst-20798	106	34	of	of	ADP
ajst-20798	106	35	payment	payment	NOUN
ajst-20798	106	36	settlement	settlement	NOUN
ajst-20798	106	37	activities	activity	NOUN
ajst-20798	106	38	.	.	PUNCT
ajst-20798	107	1	in	in	ADP
ajst-20798	107	2	conclusion	conclusion	NOUN
ajst-20798	107	3	,	,	PUNCT
ajst-20798	107	4	technological	technological	ADJ
ajst-20798	107	5	and	and	CCONJ
ajst-20798	107	6	security	security	NOUN
ajst-20798	107	7	measures	measure	NOUN
ajst-20798	107	8	are	be	AUX
ajst-20798	107	9	important	important	ADJ
ajst-20798	107	10	means	mean	NOUN
ajst-20798	107	11	to	to	PART
ajst-20798	107	12	effectively	effectively	ADV
ajst-20798	107	13	prevent	prevent	VERB
ajst-20798	107	14	payment	payment	NOUN
ajst-20798	107	15	settlement	settlement	NOUN
ajst-20798	107	16	risks	risk	NOUN
ajst-20798	107	17	.	.	PUNCT
ajst-20798	108	1	commercial	commercial	ADJ
ajst-20798	108	2	banks	bank	NOUN
ajst-20798	108	3	should	should	AUX
ajst-20798	108	4	adopt	adopt	VERB
ajst-20798	108	5	a	a	DET
ajst-20798	108	6	series	series	NOUN
ajst-20798	108	7	of	of	ADP
ajst-20798	108	8	comprehensive	comprehensive	ADJ
ajst-20798	108	9	technological	technological	ADJ
ajst-20798	108	10	and	and	CCONJ
ajst-20798	108	11	security	security	NOUN
ajst-20798	108	12	measures	measure	NOUN
ajst-20798	108	13	to	to	PART
ajst-20798	108	14	ensure	ensure	VERB
ajst-20798	108	15	the	the	DET
ajst-20798	108	16	security	security	NOUN
ajst-20798	108	17	and	and	CCONJ
ajst-20798	108	18	stability	stability	NOUN
ajst-20798	108	19	of	of	ADP
ajst-20798	108	20	payment	payment	NOUN
ajst-20798	108	21	settlement	settlement	NOUN
ajst-20798	108	22	systems	system	NOUN
ajst-20798	108	23	,	,	PUNCT
ajst-20798	108	24	enhance	enhance	VERB
ajst-20798	108	25	the	the	DET
ajst-20798	108	26	credibility	credibility	NOUN
ajst-20798	108	27	and	and	CCONJ
ajst-20798	108	28	reliability	reliability	NOUN
ajst-20798	108	29	of	of	ADP
ajst-20798	108	30	payment	payment	NOUN
ajst-20798	108	31	settlement	settlement	NOUN
ajst-20798	108	32	environments[5	environments[5	PROPN
ajst-20798	108	33	]	]	PUNCT
ajst-20798	108	34	.	.	PUNCT
ajst-20798	109	1	5	5	X
ajst-20798	109	2	.	.	X
ajst-20798	109	3	risk	risk	NOUN
ajst-20798	109	4	assessment	assessment	NOUN
ajst-20798	109	5	and	and	CCONJ
ajst-20798	109	6	monitoring	monitor	VERB
ajst-20798	109	7	5.1	5.1	NUM
ajst-20798	109	8	.	.	PUNCT
ajst-20798	110	1	methodology	methodology	NOUN
ajst-20798	110	2	of	of	ADP
ajst-20798	110	3	risk	risk	NOUN
ajst-20798	110	4	assessment	assessment	NOUN
ajst-20798	110	5	risk	risk	NOUN
ajst-20798	110	6	assessment	assessment	NOUN
ajst-20798	110	7	is	be	AUX
ajst-20798	110	8	one	one	NUM
ajst-20798	110	9	of	of	ADP
ajst-20798	110	10	the	the	DET
ajst-20798	110	11	key	key	ADJ
ajst-20798	110	12	steps	step	NOUN
ajst-20798	110	13	in	in	ADP
ajst-20798	110	14	effectively	effectively	ADV
ajst-20798	110	15	managing	manage	VERB
ajst-20798	110	16	payment	payment	NOUN
ajst-20798	110	17	settlement	settlement	NOUN
ajst-20798	110	18	risks	risk	NOUN
ajst-20798	110	19	.	.	PUNCT
ajst-20798	111	1	commercial	commercial	ADJ
ajst-20798	111	2	banks	bank	NOUN
ajst-20798	111	3	need	need	VERB
ajst-20798	111	4	to	to	PART
ajst-20798	111	5	employ	employ	VERB
ajst-20798	111	6	scientific	scientific	ADJ
ajst-20798	111	7	methods	method	NOUN
ajst-20798	111	8	to	to	PART
ajst-20798	111	9	identify	identify	VERB
ajst-20798	111	10	,	,	PUNCT
ajst-20798	111	11	quantify	quantify	ADJ
ajst-20798	111	12	,	,	PUNCT
ajst-20798	111	13	and	and	CCONJ
ajst-20798	111	14	evaluate	evaluate	VERB
ajst-20798	111	15	various	various	ADJ
ajst-20798	111	16	types	type	NOUN
ajst-20798	111	17	of	of	ADP
ajst-20798	111	18	payment	payment	NOUN
ajst-20798	111	19	settlement	settlement	NOUN
ajst-20798	111	20	risks	risk	NOUN
ajst-20798	111	21	.	.	PUNCT
ajst-20798	112	1	firstly	firstly	ADV
ajst-20798	112	2	,	,	PUNCT
ajst-20798	112	3	commercial	commercial	ADJ
ajst-20798	112	4	banks	bank	NOUN
ajst-20798	112	5	can	can	AUX
ajst-20798	112	6	use	use	VERB
ajst-20798	112	7	qualitative	qualitative	ADJ
ajst-20798	112	8	analysis	analysis	NOUN
ajst-20798	112	9	to	to	PART
ajst-20798	112	10	identify	identify	VERB
ajst-20798	112	11	and	and	CCONJ
ajst-20798	112	12	assess	assess	VERB
ajst-20798	112	13	various	various	ADJ
ajst-20798	112	14	risks	risk	NOUN
ajst-20798	112	15	.	.	PUNCT
ajst-20798	113	1	by	by	ADP
ajst-20798	113	2	analyzing	analyze	VERB
ajst-20798	113	3	various	various	ADJ
ajst-20798	113	4	risk	risk	NOUN
ajst-20798	113	5	factors	factor	NOUN
ajst-20798	113	6	in	in	ADP
ajst-20798	113	7	payment	payment	NOUN
ajst-20798	113	8	settlement	settlement	NOUN
ajst-20798	113	9	activities	activity	NOUN
ajst-20798	113	10	,	,	PUNCT
ajst-20798	113	11	such	such	ADJ
ajst-20798	113	12	as	as	ADP
ajst-20798	113	13	market	market	NOUN
ajst-20798	113	14	risks	risk	NOUN
ajst-20798	113	15	,	,	PUNCT
ajst-20798	113	16	credit	credit	NOUN
ajst-20798	113	17	risks	risk	NOUN
ajst-20798	113	18	,	,	PUNCT
ajst-20798	113	19	operational	operational	ADJ
ajst-20798	113	20	risks	risk	NOUN
ajst-20798	113	21	,	,	PUNCT
ajst-20798	113	22	etc	etc	X
ajst-20798	113	23	.	.	X
ajst-20798	113	24	,	,	PUNCT
ajst-20798	113	25	banks	bank	NOUN
ajst-20798	113	26	can	can	AUX
ajst-20798	113	27	assess	assess	VERB
ajst-20798	113	28	their	their	PRON
ajst-20798	113	29	impact	impact	NOUN
ajst-20798	113	30	and	and	CCONJ
ajst-20798	113	31	the	the	DET
ajst-20798	113	32	likelihood	likelihood	NOUN
ajst-20798	113	33	of	of	ADP
ajst-20798	113	34	occurrence	occurrence	NOUN
ajst-20798	113	35	,	,	PUNCT
ajst-20798	113	36	thereby	thereby	ADV
ajst-20798	113	37	determining	determine	VERB
ajst-20798	113	38	the	the	DET
ajst-20798	113	39	priority	priority	NOUN
ajst-20798	113	40	and	and	CCONJ
ajst-20798	113	41	importance	importance	NOUN
ajst-20798	113	42	of	of	ADP
ajst-20798	113	43	risks	risk	NOUN
ajst-20798	113	44	.	.	PUNCT
ajst-20798	114	1	secondly	secondly	ADV
ajst-20798	114	2	,	,	PUNCT
ajst-20798	114	3	commercial	commercial	ADJ
ajst-20798	114	4	banks	bank	NOUN
ajst-20798	114	5	can	can	AUX
ajst-20798	114	6	use	use	VERB
ajst-20798	114	7	quantitative	quantitative	ADJ
ajst-20798	114	8	analysis	analysis	NOUN
ajst-20798	114	9	to	to	PART
ajst-20798	114	10	quantify	quantify	VERB
ajst-20798	114	11	and	and	CCONJ
ajst-20798	114	12	evaluate	evaluate	VERB
ajst-20798	114	13	payment	payment	NOUN
ajst-20798	114	14	settlement	settlement	NOUN
ajst-20798	114	15	risks	risk	NOUN
ajst-20798	114	16	.	.	PUNCT
ajst-20798	115	1	this	this	PRON
ajst-20798	115	2	includes	include	VERB
ajst-20798	115	3	using	use	VERB
ajst-20798	115	4	statistical	statistical	ADJ
ajst-20798	115	5	models	model	NOUN
ajst-20798	115	6	,	,	PUNCT
ajst-20798	115	7	risk	risk	NOUN
ajst-20798	115	8	indicators	indicator	NOUN
ajst-20798	115	9	,	,	PUNCT
ajst-20798	115	10	and	and	CCONJ
ajst-20798	115	11	risk	risk	NOUN
ajst-20798	115	12	measures	measure	NOUN
ajst-20798	115	13	to	to	PART
ajst-20798	115	14	quantify	quantify	VERB
ajst-20798	115	15	and	and	CCONJ
ajst-20798	115	16	measure	measure	VERB
ajst-20798	115	17	various	various	ADJ
ajst-20798	115	18	risks	risk	NOUN
ajst-20798	115	19	in	in	ADP
ajst-20798	115	20	payment	payment	NOUN
ajst-20798	115	21	settlement	settlement	NOUN
ajst-20798	115	22	activities	activity	NOUN
ajst-20798	115	23	,	,	PUNCT
ajst-20798	115	24	thereby	thereby	ADV
ajst-20798	115	25	obtaining	obtain	VERB
ajst-20798	115	26	specific	specific	ADJ
ajst-20798	115	27	numerical	numerical	ADJ
ajst-20798	115	28	values	value	NOUN
ajst-20798	115	29	and	and	CCONJ
ajst-20798	115	30	probability	probability	NOUN
ajst-20798	115	31	distributions	distribution	NOUN
ajst-20798	115	32	of	of	ADP
ajst-20798	115	33	risks	risk	NOUN
ajst-20798	115	34	to	to	PART
ajst-20798	115	35	provide	provide	VERB
ajst-20798	115	36	scientific	scientific	ADJ
ajst-20798	115	37	basis	basis	NOUN
ajst-20798	115	38	for	for	ADP
ajst-20798	115	39	risk	risk	NOUN
ajst-20798	115	40	management	management	NOUN
ajst-20798	115	41	decisions	decision	NOUN
ajst-20798	115	42	.	.	PUNCT
ajst-20798	116	1	furthermore	furthermore	ADV
ajst-20798	116	2	,	,	PUNCT
ajst-20798	116	3	commercial	commercial	ADJ
ajst-20798	116	4	banks	bank	NOUN
ajst-20798	116	5	can	can	AUX
ajst-20798	116	6	employ	employ	VERB
ajst-20798	116	7	expert	expert	NOUN
ajst-20798	116	8	assessment	assessment	NOUN
ajst-20798	116	9	methods	method	NOUN
ajst-20798	116	10	to	to	PART
ajst-20798	116	11	evaluate	evaluate	VERB
ajst-20798	116	12	payment	payment	NOUN
ajst-20798	116	13	settlement	settlement	NOUN
ajst-20798	116	14	risks	risk	NOUN
ajst-20798	116	15	.	.	PUNCT
ajst-20798	117	1	by	by	ADP
ajst-20798	117	2	inviting	invite	VERB
ajst-20798	117	3	experts	expert	NOUN
ajst-20798	117	4	and	and	CCONJ
ajst-20798	117	5	scholars	scholar	NOUN
ajst-20798	117	6	in	in	ADP
ajst-20798	117	7	relevant	relevant	ADJ
ajst-20798	117	8	fields	field	NOUN
ajst-20798	117	9	to	to	PART
ajst-20798	117	10	participate	participate	VERB
ajst-20798	117	11	in	in	ADP
ajst-20798	117	12	risk	risk	NOUN
ajst-20798	117	13	assessment	assessment	NOUN
ajst-20798	117	14	work	work	NOUN
ajst-20798	117	15	and	and	CCONJ
ajst-20798	117	16	leveraging	leverage	VERB
ajst-20798	117	17	their	their	PRON
ajst-20798	117	18	rich	rich	ADJ
ajst-20798	117	19	experience	experience	NOUN
ajst-20798	117	20	and	and	CCONJ
ajst-20798	117	21	professional	professional	ADJ
ajst-20798	117	22	knowledge	knowledge	NOUN
ajst-20798	117	23	,	,	PUNCT
ajst-20798	117	24	banks	bank	NOUN
ajst-20798	117	25	can	can	AUX
ajst-20798	117	26	comprehensively	comprehensively	ADV
ajst-20798	117	27	assess	assess	VERB
ajst-20798	117	28	and	and	CCONJ
ajst-20798	117	29	judge	judge	VERB
ajst-20798	117	30	various	various	ADJ
ajst-20798	117	31	risks	risk	NOUN
ajst-20798	117	32	in	in	ADP
ajst-20798	117	33	payment	payment	NOUN
ajst-20798	117	34	settlement	settlement	NOUN
ajst-20798	117	35	activities	activity	NOUN
ajst-20798	117	36	to	to	PART
ajst-20798	117	37	enhance	enhance	VERB
ajst-20798	117	38	the	the	DET
ajst-20798	117	39	accuracy	accuracy	NOUN
ajst-20798	117	40	and	and	CCONJ
ajst-20798	117	41	credibility	credibility	NOUN
ajst-20798	117	42	of	of	ADP
ajst-20798	117	43	risk	risk	NOUN
ajst-20798	117	44	assessment	assessment	NOUN
ajst-20798	117	45	.	.	PUNCT
ajst-20798	118	1	additionally	additionally	ADV
ajst-20798	118	2	,	,	PUNCT
ajst-20798	118	3	commercial	commercial	ADJ
ajst-20798	118	4	banks	bank	NOUN
ajst-20798	118	5	can	can	AUX
ajst-20798	118	6	utilize	utilize	VERB
ajst-20798	118	7	tools	tool	NOUN
ajst-20798	118	8	such	such	ADJ
ajst-20798	118	9	as	as	ADP
ajst-20798	118	10	risk	risk	NOUN
ajst-20798	118	11	matrices	matrix	NOUN
ajst-20798	118	12	and	and	CCONJ
ajst-20798	118	13	risk	risk	NOUN
ajst-20798	118	14	scorecards	scorecard	NOUN
ajst-20798	118	15	to	to	PART
ajst-20798	118	16	assist	assist	VERB
ajst-20798	118	17	in	in	ADP
ajst-20798	118	18	risk	risk	NOUN
ajst-20798	118	19	assessment	assessment	NOUN
ajst-20798	118	20	.	.	PUNCT
ajst-20798	119	1	by	by	ADP
ajst-20798	119	2	constructing	construct	VERB
ajst-20798	119	3	risk	risk	NOUN
ajst-20798	119	4	matrices	matrix	NOUN
ajst-20798	119	5	and	and	CCONJ
ajst-20798	119	6	scorecards	scorecard	NOUN
ajst-20798	119	7	,	,	PUNCT
ajst-20798	119	8	various	various	ADJ
ajst-20798	119	9	risks	risk	NOUN
ajst-20798	119	10	can	can	AUX
ajst-20798	119	11	be	be	AUX
ajst-20798	119	12	classified	classify	VERB
ajst-20798	119	13	and	and	CCONJ
ajst-20798	119	14	scored	score	VERB
ajst-20798	119	15	according	accord	VERB
ajst-20798	119	16	to	to	ADP
ajst-20798	119	17	their	their	PRON
ajst-20798	119	18	importance	importance	NOUN
ajst-20798	119	19	and	and	CCONJ
ajst-20798	119	20	priority	priority	NOUN
ajst-20798	119	21	,	,	PUNCT
ajst-20798	119	22	providing	provide	VERB
ajst-20798	119	23	references	reference	NOUN
ajst-20798	119	24	and	and	CCONJ
ajst-20798	119	25	bases	basis	NOUN
ajst-20798	119	26	for	for	ADP
ajst-20798	119	27	risk	risk	NOUN
ajst-20798	119	28	management	management	NOUN
ajst-20798	119	29	decisions	decision	NOUN
ajst-20798	119	30	.	.	PUNCT
ajst-20798	120	1	in	in	ADP
ajst-20798	120	2	conclusion	conclusion	NOUN
ajst-20798	120	3	,	,	PUNCT
ajst-20798	120	4	risk	risk	NOUN
ajst-20798	120	5	assessment	assessment	NOUN
ajst-20798	120	6	is	be	AUX
ajst-20798	120	7	one	one	NUM
ajst-20798	120	8	of	of	ADP
ajst-20798	120	9	the	the	DET
ajst-20798	120	10	important	important	ADJ
ajst-20798	120	11	means	mean	NOUN
ajst-20798	120	12	to	to	PART
ajst-20798	120	13	effectively	effectively	ADV
ajst-20798	120	14	manage	manage	VERB
ajst-20798	120	15	payment	payment	NOUN
ajst-20798	120	16	settlement	settlement	NOUN
ajst-20798	120	17	risks	risk	NOUN
ajst-20798	120	18	.	.	PUNCT
ajst-20798	121	1	commercial	commercial	ADJ
ajst-20798	121	2	banks	bank	NOUN
ajst-20798	121	3	should	should	AUX
ajst-20798	121	4	adopt	adopt	VERB
ajst-20798	121	5	various	various	ADJ
ajst-20798	121	6	methods	method	NOUN
ajst-20798	121	7	and	and	CCONJ
ajst-20798	121	8	tools	tool	NOUN
ajst-20798	121	9	to	to	PART
ajst-20798	121	10	comprehensively	comprehensively	ADV
ajst-20798	121	11	and	and	CCONJ
ajst-20798	121	12	accurately	accurately	ADV
ajst-20798	121	13	assess	assess	VERB
ajst-20798	121	14	various	various	ADJ
ajst-20798	121	15	risks	risk	NOUN
ajst-20798	121	16	in	in	ADP
ajst-20798	121	17	payment	payment	NOUN
ajst-20798	121	18	settlement	settlement	NOUN
ajst-20798	121	19	activities	activity	NOUN
ajst-20798	121	20	,	,	PUNCT
ajst-20798	121	21	providing	provide	VERB
ajst-20798	121	22	scientific	scientific	ADJ
ajst-20798	121	23	basis	basis	NOUN
ajst-20798	121	24	and	and	CCONJ
ajst-20798	121	25	effective	effective	ADJ
ajst-20798	121	26	support	support	NOUN
ajst-20798	121	27	for	for	ADP
ajst-20798	121	28	risk	risk	NOUN
ajst-20798	121	29	management	management	NOUN
ajst-20798	121	30	decisions[6	decisions[6	NOUN
ajst-20798	121	31	]	]	X
ajst-20798	121	32	.	.	PUNCT
ajst-20798	122	1	5.2	5.2	NUM
ajst-20798	122	2	.	.	PUNCT
ajst-20798	122	3	establishment	establishment	NOUN
ajst-20798	122	4	and	and	CCONJ
ajst-20798	122	5	application	application	NOUN
ajst-20798	122	6	of	of	ADP
ajst-20798	122	7	realtime	realtime	NOUN
ajst-20798	122	8	monitoring	monitoring	NOUN
ajst-20798	122	9	system	system	NOUN
ajst-20798	122	10	the	the	DET
ajst-20798	122	11	real	real	ADJ
ajst-20798	122	12	-	-	PUNCT
ajst-20798	122	13	time	time	NOUN
ajst-20798	122	14	monitoring	monitoring	NOUN
ajst-20798	122	15	system	system	NOUN
ajst-20798	122	16	is	be	AUX
ajst-20798	122	17	one	one	NUM
ajst-20798	122	18	of	of	ADP
ajst-20798	122	19	the	the	DET
ajst-20798	122	20	key	key	ADJ
ajst-20798	122	21	tools	tool	NOUN
ajst-20798	122	22	for	for	ADP
ajst-20798	122	23	effectively	effectively	ADV
ajst-20798	122	24	managing	manage	VERB
ajst-20798	122	25	payment	payment	NOUN
ajst-20798	122	26	settlement	settlement	NOUN
ajst-20798	122	27	risks	risk	NOUN
ajst-20798	122	28	.	.	PUNCT
ajst-20798	123	1	commercial	commercial	ADJ
ajst-20798	123	2	banks	bank	NOUN
ajst-20798	123	3	need	need	VERB
ajst-20798	123	4	to	to	PART
ajst-20798	123	5	establish	establish	VERB
ajst-20798	123	6	and	and	CCONJ
ajst-20798	123	7	apply	apply	VERB
ajst-20798	123	8	real	real	ADJ
ajst-20798	123	9	-	-	PUNCT
ajst-20798	123	10	time	time	NOUN
ajst-20798	123	11	monitoring	monitoring	NOUN
ajst-20798	123	12	systems	system	NOUN
ajst-20798	123	13	to	to	PART
ajst-20798	123	14	promptly	promptly	ADV
ajst-20798	123	15	detect	detect	VERB
ajst-20798	123	16	,	,	PUNCT
ajst-20798	123	17	identify	identify	VERB
ajst-20798	123	18	,	,	PUNCT
ajst-20798	123	19	and	and	CCONJ
ajst-20798	123	20	respond	respond	VERB
ajst-20798	123	21	to	to	ADP
ajst-20798	123	22	various	various	ADJ
ajst-20798	123	23	risks	risk	NOUN
ajst-20798	123	24	in	in	ADP
ajst-20798	123	25	payment	payment	NOUN
ajst-20798	123	26	settlement	settlement	NOUN
ajst-20798	123	27	activities	activity	NOUN
ajst-20798	123	28	.	.	PUNCT
ajst-20798	124	1	firstly	firstly	ADV
ajst-20798	124	2	,	,	PUNCT
ajst-20798	124	3	commercial	commercial	ADJ
ajst-20798	124	4	banks	bank	NOUN
ajst-20798	124	5	can	can	AUX
ajst-20798	124	6	establish	establish	VERB
ajst-20798	124	7	real	real	ADJ
ajst-20798	124	8	-	-	PUNCT
ajst-20798	124	9	time	time	NOUN
ajst-20798	124	10	monitoring	monitoring	NOUN
ajst-20798	124	11	systems	system	NOUN
ajst-20798	124	12	based	base	VERB
ajst-20798	124	13	on	on	ADP
ajst-20798	124	14	data	datum	NOUN
ajst-20798	124	15	analysis	analysis	NOUN
ajst-20798	124	16	and	and	CCONJ
ajst-20798	124	17	intelligent	intelligent	ADJ
ajst-20798	124	18	algorithms	algorithm	NOUN
ajst-20798	124	19	.	.	PUNCT
ajst-20798	125	1	by	by	ADP
ajst-20798	125	2	collecting	collect	VERB
ajst-20798	125	3	,	,	PUNCT
ajst-20798	125	4	integrating	integrating	NOUN
ajst-20798	125	5	,	,	PUNCT
ajst-20798	125	6	and	and	CCONJ
ajst-20798	125	7	analyzing	analyze	VERB
ajst-20798	125	8	data	datum	NOUN
ajst-20798	125	9	information	information	NOUN
ajst-20798	125	10	in	in	ADP
ajst-20798	125	11	payment	payment	NOUN
ajst-20798	125	12	settlement	settlement	NOUN
ajst-20798	125	13	activities	activity	NOUN
ajst-20798	125	14	and	and	CCONJ
ajst-20798	125	15	using	use	VERB
ajst-20798	125	16	technologies	technology	NOUN
ajst-20798	125	17	such	such	ADJ
ajst-20798	125	18	as	as	ADP
ajst-20798	125	19	machine	machine	NOUN
ajst-20798	125	20	learning	learning	NOUN
ajst-20798	125	21	and	and	CCONJ
ajst-20798	125	22	data	datum	NOUN
ajst-20798	125	23	mining	mining	NOUN
ajst-20798	125	24	,	,	PUNCT
ajst-20798	125	25	banks	bank	NOUN
ajst-20798	125	26	can	can	AUX
ajst-20798	125	27	monitor	monitor	VERB
ajst-20798	125	28	and	and	CCONJ
ajst-20798	125	29	identify	identify	VERB
ajst-20798	125	30	abnormal	abnormal	ADJ
ajst-20798	125	31	transactions	transaction	NOUN
ajst-20798	125	32	and	and	CCONJ
ajst-20798	125	33	risky	risky	ADJ
ajst-20798	125	34	behaviors	behavior	NOUN
ajst-20798	125	35	in	in	ADP
ajst-20798	125	36	real	real	ADJ
ajst-20798	125	37	-	-	PUNCT
ajst-20798	125	38	time	time	NOUN
ajst-20798	125	39	,	,	PUNCT
ajst-20798	125	40	issue	issue	NOUN
ajst-20798	125	41	timely	timely	ADJ
ajst-20798	125	42	warning	warning	NOUN
ajst-20798	125	43	signals	signal	NOUN
ajst-20798	125	44	,	,	PUNCT
ajst-20798	125	45	and	and	CCONJ
ajst-20798	125	46	take	take	VERB
ajst-20798	125	47	corresponding	corresponding	ADJ
ajst-20798	125	48	measures	measure	NOUN
ajst-20798	125	49	for	for	ADP
ajst-20798	125	50	processing	processing	NOUN
ajst-20798	125	51	.	.	PUNCT
ajst-20798	126	1	secondly	secondly	ADV
ajst-20798	126	2	,	,	PUNCT
ajst-20798	126	3	commercial	commercial	ADJ
ajst-20798	126	4	banks	bank	NOUN
ajst-20798	126	5	can	can	AUX
ajst-20798	126	6	establish	establish	VERB
ajst-20798	126	7	realtime	realtime	NOUN
ajst-20798	126	8	monitoring	monitoring	NOUN
ajst-20798	126	9	systems	system	NOUN
ajst-20798	126	10	based	base	VERB
ajst-20798	126	11	on	on	ADP
ajst-20798	126	12	rule	rule	NOUN
ajst-20798	126	13	engines	engine	NOUN
ajst-20798	126	14	and	and	CCONJ
ajst-20798	126	15	predictive	predictive	ADJ
ajst-20798	126	16	models	model	NOUN
ajst-20798	126	17	.	.	PUNCT
ajst-20798	127	1	by	by	ADP
ajst-20798	127	2	formulating	formulate	VERB
ajst-20798	127	3	and	and	CCONJ
ajst-20798	127	4	implementing	implement	VERB
ajst-20798	127	5	a	a	DET
ajst-20798	127	6	series	series	NOUN
ajst-20798	127	7	of	of	ADP
ajst-20798	127	8	monitoring	monitor	VERB
ajst-20798	127	9	rules	rule	NOUN
ajst-20798	127	10	and	and	CCONJ
ajst-20798	127	11	models	model	NOUN
ajst-20798	127	12	to	to	PART
ajst-20798	127	13	identify	identify	VERB
ajst-20798	127	14	and	and	CCONJ
ajst-20798	127	15	monitor	monitor	VERB
ajst-20798	127	16	abnormal	abnormal	ADJ
ajst-20798	127	17	behaviors	behavior	NOUN
ajst-20798	127	18	and	and	CCONJ
ajst-20798	127	19	risky	risky	ADJ
ajst-20798	127	20	transactions	transaction	NOUN
ajst-20798	127	21	in	in	ADP
ajst-20798	127	22	payment	payment	NOUN
ajst-20798	127	23	settlement	settlement	NOUN
ajst-20798	127	24	activities	activity	NOUN
ajst-20798	127	25	,	,	PUNCT
ajst-20798	127	26	potential	potential	ADJ
ajst-20798	127	27	risk	risk	NOUN
ajst-20798	127	28	events	event	NOUN
ajst-20798	127	29	can	can	AUX
ajst-20798	127	30	be	be	AUX
ajst-20798	127	31	discovered	discover	VERB
ajst-20798	127	32	promptly	promptly	ADV
ajst-20798	127	33	,	,	PUNCT
ajst-20798	127	34	and	and	CCONJ
ajst-20798	127	35	risk	risk	NOUN
ajst-20798	127	36	management	management	NOUN
ajst-20798	127	37	and	and	CCONJ
ajst-20798	127	38	control	control	NOUN
ajst-20798	127	39	can	can	AUX
ajst-20798	127	40	be	be	AUX
ajst-20798	127	41	conducted	conduct	VERB
ajst-20798	127	42	based	base	VERB
ajst-20798	127	43	on	on	ADP
ajst-20798	127	44	the	the	DET
ajst-20798	127	45	results	result	NOUN
ajst-20798	127	46	of	of	ADP
ajst-20798	127	47	rules	rule	NOUN
ajst-20798	127	48	and	and	CCONJ
ajst-20798	127	49	model	model	NOUN
ajst-20798	127	50	predictions	prediction	NOUN
ajst-20798	127	51	.	.	PUNCT
ajst-20798	128	1	furthermore	furthermore	ADV
ajst-20798	128	2	,	,	PUNCT
ajst-20798	128	3	commercial	commercial	ADJ
ajst-20798	128	4	banks	bank	NOUN
ajst-20798	128	5	can	can	AUX
ajst-20798	128	6	establish	establish	VERB
ajst-20798	128	7	real	real	ADJ
ajst-20798	128	8	-	-	PUNCT
ajst-20798	128	9	time	time	NOUN
ajst-20798	128	10	monitoring	monitoring	NOUN
ajst-20798	128	11	platforms	platform	NOUN
ajst-20798	128	12	,	,	PUNCT
ajst-20798	128	13	integrating	integrate	VERB
ajst-20798	128	14	various	various	ADJ
ajst-20798	128	15	monitoring	monitoring	NOUN
ajst-20798	128	16	tools	tool	NOUN
ajst-20798	128	17	and	and	CCONJ
ajst-20798	128	18	systems	system	NOUN
ajst-20798	128	19	to	to	PART
ajst-20798	128	20	achieve	achieve	VERB
ajst-20798	128	21	comprehensive	comprehensive	ADJ
ajst-20798	128	22	and	and	CCONJ
ajst-20798	128	23	integrated	integrated	ADJ
ajst-20798	128	24	monitoring	monitoring	NOUN
ajst-20798	128	25	of	of	ADP
ajst-20798	128	26	payment	payment	NOUN
ajst-20798	128	27	settlement	settlement	NOUN
ajst-20798	128	28	activities	activity	NOUN
ajst-20798	128	29	.	.	PUNCT
ajst-20798	129	1	by	by	ADP
ajst-20798	129	2	establishing	establish	VERB
ajst-20798	129	3	a	a	DET
ajst-20798	129	4	unified	unified	ADJ
ajst-20798	129	5	monitoring	monitoring	NOUN
ajst-20798	129	6	platform	platform	NOUN
ajst-20798	129	7	,	,	PUNCT
ajst-20798	129	8	real	real	ADJ
ajst-20798	129	9	-	-	PUNCT
ajst-20798	129	10	time	time	NOUN
ajst-20798	129	11	monitoring	monitoring	NOUN
ajst-20798	129	12	and	and	CCONJ
ajst-20798	129	13	data	datum	NOUN
ajst-20798	129	14	analysis	analysis	NOUN
ajst-20798	129	15	of	of	ADP
ajst-20798	129	16	payment	payment	NOUN
ajst-20798	129	17	settlement	settlement	NOUN
ajst-20798	129	18	systems	system	NOUN
ajst-20798	129	19	can	can	AUX
ajst-20798	129	20	be	be	AUX
ajst-20798	129	21	realized	realize	VERB
ajst-20798	129	22	,	,	PUNCT
ajst-20798	129	23	improving	improve	VERB
ajst-20798	129	24	monitoring	monitoring	NOUN
ajst-20798	129	25	efficiency	efficiency	NOUN
ajst-20798	129	26	and	and	CCONJ
ajst-20798	129	27	capabilities	capability	NOUN
ajst-20798	129	28	,	,	PUNCT
ajst-20798	129	29	and	and	CCONJ
ajst-20798	129	30	promptly	promptly	ADV
ajst-20798	129	31	detecting	detect	VERB
ajst-20798	129	32	and	and	CCONJ
ajst-20798	129	33	responding	respond	VERB
ajst-20798	129	34	to	to	ADP
ajst-20798	129	35	payment	payment	NOUN
ajst-20798	129	36	settlement	settlement	NOUN
ajst-20798	129	37	risks	risk	NOUN
ajst-20798	129	38	.	.	PUNCT
ajst-20798	130	1	additionally	additionally	ADV
ajst-20798	130	2	,	,	PUNCT
ajst-20798	130	3	commercial	commercial	ADJ
ajst-20798	130	4	banks	bank	NOUN
ajst-20798	130	5	can	can	AUX
ajst-20798	130	6	establish	establish	VERB
ajst-20798	130	7	real	real	ADJ
ajst-20798	130	8	-	-	PUNCT
ajst-20798	130	9	time	time	NOUN
ajst-20798	130	10	monitoring	monitoring	NOUN
ajst-20798	130	11	teams	team	NOUN
ajst-20798	130	12	,	,	PUNCT
ajst-20798	130	13	setting	set	VERB
ajst-20798	130	14	up	up	ADP
ajst-20798	130	15	dedicated	dedicated	ADJ
ajst-20798	130	16	risk	risk	NOUN
ajst-20798	130	17	monitoring	monitoring	NOUN
ajst-20798	130	18	positions	position	NOUN
ajst-20798	130	19	and	and	CCONJ
ajst-20798	130	20	teams	team	NOUN
ajst-20798	130	21	responsible	responsible	ADJ
ajst-20798	130	22	for	for	ADP
ajst-20798	130	23	24/7	24/7	NUM
ajst-20798	130	24	,	,	PUNCT
ajst-20798	130	25	all	all	PRON
ajst-20798	130	26	-	-	PUNCT
ajst-20798	130	27	round	round	NOUN
ajst-20798	130	28	monitoring	monitoring	NOUN
ajst-20798	130	29	and	and	CCONJ
ajst-20798	130	30	tracking	tracking	NOUN
ajst-20798	130	31	of	of	ADP
ajst-20798	130	32	payment	payment	NOUN
ajst-20798	130	33	settlement	settlement	NOUN
ajst-20798	130	34	activities	activity	NOUN
ajst-20798	130	35	,	,	PUNCT
ajst-20798	130	36	promptly	promptly	ADV
ajst-20798	130	37	handling	handle	VERB
ajst-20798	130	38	abnormal	abnormal	ADJ
ajst-20798	130	39	situations	situation	NOUN
ajst-20798	130	40	and	and	CCONJ
ajst-20798	130	41	risk	risk	NOUN
ajst-20798	130	42	events	event	NOUN
ajst-20798	130	43	to	to	PART
ajst-20798	130	44	ensure	ensure	VERB
ajst-20798	130	45	the	the	DET
ajst-20798	130	46	safety	safety	NOUN
ajst-20798	130	47	and	and	CCONJ
ajst-20798	130	48	stability	stability	NOUN
ajst-20798	130	49	of	of	ADP
ajst-20798	130	50	payment	payment	NOUN
ajst-20798	130	51	settlement	settlement	NOUN
ajst-20798	130	52	systems	system	NOUN
ajst-20798	130	53	.	.	PUNCT
ajst-20798	131	1	in	in	ADP
ajst-20798	131	2	conclusion	conclusion	NOUN
ajst-20798	131	3	,	,	PUNCT
ajst-20798	131	4	establishing	establish	VERB
ajst-20798	131	5	and	and	CCONJ
ajst-20798	131	6	applying	apply	VERB
ajst-20798	131	7	real	real	ADJ
ajst-20798	131	8	-	-	PUNCT
ajst-20798	131	9	time	time	NOUN
ajst-20798	131	10	monitoring	monitoring	NOUN
ajst-20798	131	11	systems	system	NOUN
ajst-20798	131	12	is	be	AUX
ajst-20798	131	13	one	one	NUM
ajst-20798	131	14	of	of	ADP
ajst-20798	131	15	the	the	DET
ajst-20798	131	16	important	important	ADJ
ajst-20798	131	17	means	mean	NOUN
ajst-20798	131	18	to	to	PART
ajst-20798	131	19	effectively	effectively	ADV
ajst-20798	131	20	manage	manage	VERB
ajst-20798	131	21	payment	payment	NOUN
ajst-20798	131	22	settlement	settlement	NOUN
ajst-20798	131	23	risks	risk	NOUN
ajst-20798	131	24	.	.	PUNCT
ajst-20798	132	1	commercial	commercial	ADJ
ajst-20798	132	2	banks	bank	NOUN
ajst-20798	132	3	should	should	AUX
ajst-20798	132	4	fully	fully	ADV
ajst-20798	132	5	utilize	utilize	VERB
ajst-20798	132	6	modern	modern	ADJ
ajst-20798	132	7	technological	technological	ADJ
ajst-20798	132	8	means	mean	NOUN
ajst-20798	132	9	and	and	CCONJ
ajst-20798	132	10	monitoring	monitor	VERB
ajst-20798	132	11	tools	tool	NOUN
ajst-20798	132	12	to	to	PART
ajst-20798	132	13	establish	establish	VERB
ajst-20798	132	14	comprehensive	comprehensive	ADJ
ajst-20798	132	15	and	and	CCONJ
ajst-20798	132	16	accurate	accurate	ADJ
ajst-20798	132	17	real	real	ADJ
ajst-20798	132	18	-	-	PUNCT
ajst-20798	132	19	time	time	NOUN
ajst-20798	132	20	monitoring	monitoring	NOUN
ajst-20798	132	21	systems	system	NOUN
ajst-20798	132	22	,	,	PUNCT
ajst-20798	132	23	enhance	enhance	VERB
ajst-20798	132	24	monitoring	monitor	VERB
ajst-20798	132	25	capabilities	capability	NOUN
ajst-20798	132	26	and	and	CCONJ
ajst-20798	132	27	response	response	NOUN
ajst-20798	132	28	capabilities	capability	NOUN
ajst-20798	132	29	for	for	ADP
ajst-20798	132	30	payment	payment	NOUN
ajst-20798	132	31	settlement	settlement	NOUN
ajst-20798	132	32	risks	risk	NOUN
ajst-20798	132	33	,	,	PUNCT
ajst-20798	132	34	and	and	CCONJ
ajst-20798	132	35	ensure	ensure	VERB
ajst-20798	132	36	the	the	DET
ajst-20798	132	37	safety	safety	NOUN
ajst-20798	132	38	and	and	CCONJ
ajst-20798	132	39	stability	stability	NOUN
ajst-20798	132	40	of	of	ADP
ajst-20798	132	41	payment	payment	NOUN
ajst-20798	132	42	settlement	settlement	NOUN
ajst-20798	132	43	activities	activity	NOUN
ajst-20798	132	44	.	.	PUNCT
ajst-20798	133	1	6	6	X
ajst-20798	133	2	.	.	X
ajst-20798	133	3	conclusion	conclusion	NOUN
ajst-20798	133	4	in	in	ADP
ajst-20798	133	5	the	the	DET
ajst-20798	133	6	study	study	NOUN
ajst-20798	133	7	of	of	ADP
ajst-20798	133	8	preventing	prevent	VERB
ajst-20798	133	9	and	and	CCONJ
ajst-20798	133	10	coping	cope	VERB
ajst-20798	133	11	with	with	ADP
ajst-20798	133	12	payment	payment	NOUN
ajst-20798	133	13	settlement	settlement	NOUN
ajst-20798	133	14	risks	risk	NOUN
ajst-20798	133	15	,	,	PUNCT
ajst-20798	133	16	we	we	PRON
ajst-20798	133	17	have	have	AUX
ajst-20798	133	18	delved	delve	VERB
ajst-20798	133	19	into	into	ADP
ajst-20798	133	20	the	the	DET
ajst-20798	133	21	concepts	concept	NOUN
ajst-20798	133	22	,	,	PUNCT
ajst-20798	133	23	classifications	classification	NOUN
ajst-20798	133	24	,	,	PUNCT
ajst-20798	133	25	and	and	CCONJ
ajst-20798	133	26	internal	internal	ADJ
ajst-20798	133	27	and	and	CCONJ
ajst-20798	133	28	external	external	ADJ
ajst-20798	133	29	factors	factor	NOUN
ajst-20798	133	30	contributing	contribute	VERB
ajst-20798	133	31	to	to	ADP
ajst-20798	133	32	payment	payment	NOUN
ajst-20798	133	33	settlement	settlement	NOUN
ajst-20798	133	34	risks	risk	NOUN
ajst-20798	133	35	.	.	PUNCT
ajst-20798	134	1	we	we	PRON
ajst-20798	134	2	have	have	AUX
ajst-20798	134	3	found	find	VERB
ajst-20798	134	4	that	that	SCONJ
ajst-20798	134	5	payment	payment	NOUN
ajst-20798	134	6	settlement	settlement	NOUN
ajst-20798	134	7	risks	risk	NOUN
ajst-20798	134	8	are	be	AUX
ajst-20798	134	9	influenced	influence	VERB
ajst-20798	134	10	not	not	PART
ajst-20798	134	11	only	only	ADV
ajst-20798	134	12	by	by	ADP
ajst-20798	134	13	external	external	ADJ
ajst-20798	134	14	factors	factor	NOUN
ajst-20798	134	15	such	such	ADJ
ajst-20798	134	16	as	as	ADP
ajst-20798	134	17	market	market	NOUN
ajst-20798	134	18	fluctuations	fluctuation	NOUN
ajst-20798	134	19	and	and	CCONJ
ajst-20798	134	20	technical	technical	ADJ
ajst-20798	134	21	failures	failure	NOUN
ajst-20798	134	22	but	but	CCONJ
ajst-20798	134	23	also	also	ADV
ajst-20798	134	24	by	by	ADP
ajst-20798	134	25	the	the	DET
ajst-20798	134	26	internal	internal	ADJ
ajst-20798	134	27	management	management	NOUN
ajst-20798	134	28	level	level	NOUN
ajst-20798	134	29	of	of	ADP
ajst-20798	134	30	commercial	commercial	ADJ
ajst-20798	134	31	banks	bank	NOUN
ajst-20798	134	32	and	and	CCONJ
ajst-20798	134	33	regulatory	regulatory	ADJ
ajst-20798	134	34	policies	policy	NOUN
ajst-20798	134	35	.	.	PUNCT
ajst-20798	135	1	to	to	PART
ajst-20798	135	2	effectively	effectively	ADV
ajst-20798	135	3	prevent	prevent	VERB
ajst-20798	135	4	payment	payment	NOUN
ajst-20798	135	5	settlement	settlement	NOUN
ajst-20798	135	6	risks	risk	NOUN
ajst-20798	135	7	,	,	PUNCT
ajst-20798	135	8	commercial	commercial	ADJ
ajst-20798	135	9	banks	bank	NOUN
ajst-20798	135	10	need	need	VERB
ajst-20798	135	11	to	to	PART
ajst-20798	135	12	establish	establish	VERB
ajst-20798	135	13	sound	sound	ADJ
ajst-20798	135	14	risk	risk	NOUN
ajst-20798	135	15	management	management	NOUN
ajst-20798	135	16	frameworks	framework	NOUN
ajst-20798	135	17	,	,	PUNCT
ajst-20798	135	18	strengthen	strengthen	VERB
ajst-20798	135	19	internal	internal	ADJ
ajst-20798	135	20	controls	control	NOUN
ajst-20798	135	21	and	and	CCONJ
ajst-20798	135	22	process	process	NOUN
ajst-20798	135	23	standardization	standardization	NOUN
ajst-20798	135	24	,	,	PUNCT
ajst-20798	135	25	adopt	adopt	VERB
ajst-20798	135	26	advanced	advanced	ADJ
ajst-20798	135	27	technologies	technology	NOUN
ajst-20798	135	28	and	and	CCONJ
ajst-20798	135	29	security	security	NOUN
ajst-20798	135	30	measures	measure	NOUN
ajst-20798	135	31	,	,	PUNCT
ajst-20798	135	32	implement	implement	VERB
ajst-20798	135	33	real	real	ADJ
ajst-20798	135	34	-	-	PUNCT
ajst-20798	135	35	time	time	NOUN
ajst-20798	135	36	monitoring	monitoring	NOUN
ajst-20798	135	37	systems	system	NOUN
ajst-20798	135	38	,	,	PUNCT
ajst-20798	135	39	and	and	CCONJ
ajst-20798	135	40	enhance	enhance	VERB
ajst-20798	135	41	risk	risk	NOUN
ajst-20798	135	42	assessment	assessment	NOUN
ajst-20798	135	43	and	and	CCONJ
ajst-20798	135	44	monitoring	monitoring	NOUN
ajst-20798	135	45	.	.	PUNCT
ajst-20798	136	1	through	through	ADP
ajst-20798	136	2	the	the	DET
ajst-20798	136	3	implementation	implementation	NOUN
ajst-20798	136	4	of	of	ADP
ajst-20798	136	5	these	these	DET
ajst-20798	136	6	measures	measure	NOUN
ajst-20798	136	7	,	,	PUNCT
ajst-20798	136	8	commercial	commercial	ADJ
ajst-20798	136	9	banks	bank	NOUN
ajst-20798	136	10	can	can	AUX
ajst-20798	136	11	effectively	effectively	ADV
ajst-20798	136	12	reduce	reduce	VERB
ajst-20798	136	13	the	the	DET
ajst-20798	136	14	probability	probability	NOUN
ajst-20798	136	15	of	of	ADP
ajst-20798	136	16	payment	payment	NOUN
ajst-20798	136	17	settlement	settlement	NOUN
ajst-20798	136	18	risks	risk	NOUN
ajst-20798	136	19	,	,	PUNCT
ajst-20798	136	20	ensuring	ensure	VERB
ajst-20798	136	21	the	the	DET
ajst-20798	136	22	stability	stability	NOUN
ajst-20798	136	23	of	of	ADP
ajst-20798	136	24	financial	financial	ADJ
ajst-20798	136	25	markets	market	NOUN
ajst-20798	136	26	and	and	CCONJ
ajst-20798	136	27	the	the	DET
ajst-20798	136	28	interests	interest	NOUN
ajst-20798	136	29	of	of	ADP
ajst-20798	136	30	participants	participant	NOUN
ajst-20798	136	31	.	.	PUNCT
ajst-20798	137	1	in	in	ADP
ajst-20798	137	2	future	future	ADJ
ajst-20798	137	3	work	work	NOUN
ajst-20798	137	4	,	,	PUNCT
ajst-20798	137	5	we	we	PRON
ajst-20798	137	6	will	will	AUX
ajst-20798	137	7	continue	continue	VERB
ajst-20798	137	8	to	to	PART
ajst-20798	137	9	focus	focus	VERB
ajst-20798	137	10	on	on	ADP
ajst-20798	137	11	the	the	DET
ajst-20798	137	12	latest	late	ADJ
ajst-20798	137	13	developments	development	NOUN
ajst-20798	137	14	in	in	ADP
ajst-20798	137	15	payment	payment	NOUN
ajst-20798	137	16	settlement	settlement	NOUN
ajst-20798	137	17	risk	risk	NOUN
ajst-20798	137	18	management	management	NOUN
ajst-20798	137	19	,	,	PUNCT
ajst-20798	137	20	continually	continually	ADV
ajst-20798	137	21	improve	improve	VERB
ajst-20798	137	22	research	research	NOUN
ajst-20798	137	23	content	content	NOUN
ajst-20798	137	24	and	and	CCONJ
ajst-20798	137	25	methods	method	NOUN
ajst-20798	137	26	,	,	PUNCT
ajst-20798	137	27	and	and	CCONJ
ajst-20798	137	28	contribute	contribute	VERB
ajst-20798	137	29	more	more	ADJ
ajst-20798	137	30	wisdom	wisdom	NOUN
ajst-20798	137	31	and	and	CCONJ
ajst-20798	137	32	strength	strength	NOUN
ajst-20798	137	33	to	to	ADP
ajst-20798	137	34	the	the	DET
ajst-20798	137	35	safety	safety	NOUN
ajst-20798	137	36	and	and	CCONJ
ajst-20798	137	37	stability	stability	NOUN
ajst-20798	137	38	of	of	ADP
ajst-20798	137	39	the	the	DET
ajst-20798	137	40	financial	financial	ADJ
ajst-20798	137	41	industry	industry	NOUN
ajst-20798	137	42	.	.	PUNCT
ajst-20798	138	1	124	124	NUM
ajst-20798	138	2	references	reference	NOUN
ajst-20798	138	3	[	[	X
ajst-20798	138	4	1	1	NUM
ajst-20798	138	5	]	]	PUNCT
ajst-20798	138	6	xiaoxiao	xiaoxiao	PROPN
ajst-20798	138	7	l	l	PROPN
ajst-20798	138	8	,	,	PUNCT
ajst-20798	138	9	yin	yin	PROPN
ajst-20798	138	10	k	k	PROPN
ajst-20798	138	11	c	c	PROPN
ajst-20798	138	12	,	,	PUNCT
ajst-20798	138	13	xiaoyun	xiaoyun	PROPN
ajst-20798	138	14	l	l	NOUN
ajst-20798	138	15	,	,	PUNCT
ajst-20798	138	16	et	et	NOUN
ajst-20798	138	17	al.the	al.the	PROPN
ajst-20798	138	18	determinants	determinant	NOUN
ajst-20798	138	19	of	of	ADP
ajst-20798	138	20	customer	customer	NOUN
ajst-20798	138	21	intentions	intention	NOUN
ajst-20798	138	22	to	to	PART
ajst-20798	138	23	use	use	VERB
ajst-20798	138	24	fintech	fintech	NOUN
ajst-20798	138	25	services	service	NOUN
ajst-20798	138	26	in	in	ADP
ajst-20798	138	27	a	a	DET
ajst-20798	138	28	commercial	commercial	ADJ
ajst-20798	138	29	chinese	chinese	ADJ
ajst-20798	138	30	bank[j].journal	bank[j].journal	NOUN
ajst-20798	138	31	of	of	ADP
ajst-20798	138	32	business	business	NOUN
ajst-20798	138	33	-	-	PUNCT
ajst-20798	138	34	to	to	ADP
ajst-20798	138	35	-	-	PUNCT
ajst-20798	138	36	business	business	NOUN
ajst-20798	138	37	marketing	marketing	NOUN
ajst-20798	138	38	,	,	PUNCT
ajst-20798	138	39	2023	2023	NUM
ajst-20798	138	40	,	,	PUNCT
ajst-20798	138	41	30(3	30(3	NUM
ajst-20798	138	42	):	):	PUNCT
ajst-20798	138	43	257	257	NUM
ajst-20798	138	44	-	-	SYM
ajst-20798	138	45	276	276	NUM
ajst-20798	138	46	.	.	PUNCT
ajst-20798	139	1	[	[	X
ajst-20798	139	2	2	2	NUM
ajst-20798	139	3	]	]	PUNCT
ajst-20798	139	4	hsiao	hsiao	PROPN
ajst-20798	139	5	y	y	PROPN
ajst-20798	139	6	c	c	PROPN
ajst-20798	139	7	,	,	PUNCT
ajst-20798	139	8	yin	yin	PROPN
ajst-20798	140	1	x	x	X
ajst-20798	140	2	o	o	NOUN
ajst-20798	140	3	.impact	.impact	NOUN
ajst-20798	140	4	of	of	ADP
ajst-20798	140	5	characteristics	characteristic	NOUN
ajst-20798	140	6	of	of	ADP
ajst-20798	140	7	board	board	NOUN
ajst-20798	140	8	of	of	ADP
ajst-20798	140	9	directors	director	NOUN
ajst-20798	140	10	towards	towards	ADP
ajst-20798	140	11	risk	risk	NOUN
ajst-20798	140	12	-	-	PUNCT
ajst-20798	140	13	taking	take	VERB
ajst-20798	140	14	level	level	NOUN
ajst-20798	140	15	with	with	ADP
ajst-20798	140	16	chinese	chinese	ADJ
ajst-20798	140	17	commercial	commercial	ADJ
ajst-20798	140	18	banks	bank	NOUN
ajst-20798	141	1	[	[	X
ajst-20798	141	2	j	j	X
ajst-20798	141	3	]	]	X
ajst-20798	141	4	.	.	PUNCT
ajst-20798	142	1	journal	journal	PROPN
ajst-20798	142	2	of	of	ADP
ajst-20798	142	3	economics	economic	NOUN
ajst-20798	142	4	,	,	PUNCT
ajst-20798	142	5	management	management	NOUN
ajst-20798	142	6	and	and	CCONJ
ajst-20798	142	7	trade	trade	NOUN
ajst-20798	142	8	,	,	PUNCT
ajst-20798	142	9	2023	2023	NUM
ajst-20798	142	10	,	,	PUNCT
ajst-20798	142	11	29(11	29(11	NUM
ajst-20798	142	12	):	):	PUNCT
ajst-20798	142	13	153	153	NUM
ajst-20798	142	14	-	-	SYM
ajst-20798	142	15	166	166	NUM
ajst-20798	142	16	.	.	PUNCT
ajst-20798	143	1	[	[	X
ajst-20798	143	2	3	3	X
ajst-20798	143	3	]	]	X
ajst-20798	143	4	tongyue	tongyue	NOUN
ajst-20798	143	5	f	f	PROPN
ajst-20798	143	6	,	,	PUNCT
ajst-20798	143	7	jiexiang	jiexiang	PROPN
ajst-20798	143	8	x	x	X
ajst-20798	143	9	,	,	PUNCT
ajst-20798	143	10	zehan	zehan	NOUN
ajst-20798	143	11	z	z	PROPN
ajst-20798	143	12	,	,	PUNCT
ajst-20798	143	13	et	et	NOUN
ajst-20798	143	14	al.how	al.how	ADV
ajst-20798	143	15	green	green	ADJ
ajst-20798	143	16	credit	credit	NOUN
ajst-20798	143	17	policy	policy	NOUN
ajst-20798	143	18	affects	affect	VERB
ajst-20798	143	19	commercial	commercial	ADJ
ajst-20798	143	20	banks	bank	NOUN
ajst-20798	143	21	'	'	PART
ajst-20798	143	22	credit	credit	NOUN
ajst-20798	143	23	risk	risk	NOUN
ajst-20798	143	24	?	?	PUNCT
ajst-20798	143	25	:	:	PUNCT
ajst-20798	144	1	evidence	evidence	NOUN
ajst-20798	144	2	and	and	CCONJ
ajst-20798	144	3	federated	federated	ADJ
ajst-20798	144	4	learning	learning	NOUN
ajst-20798	144	5	-	-	PUNCT
ajst-20798	144	6	based	base	VERB
ajst-20798	144	7	modeling	modeling	NOUN
ajst-20798	144	8	from	from	ADP
ajst-20798	144	9	26	26	NUM
ajst-20798	144	10	listed	list	VERB
ajst-20798	144	11	commercial	commercial	ADJ
ajst-20798	144	12	banks	bank	NOUN
ajst-20798	144	13	in	in	ADP
ajst-20798	144	14	china[j].journal	china[j].journal	NOUN
ajst-20798	144	15	of	of	ADP
ajst-20798	144	16	cases	case	NOUN
ajst-20798	144	17	on	on	ADP
ajst-20798	144	18	information	information	NOUN
ajst-20798	144	19	technology	technology	NOUN
ajst-20798	144	20	(	(	PUNCT
ajst-20798	144	21	jcit),2023,26(1):1	jcit),2023,26(1):1	PROPN
ajst-20798	144	22	-	-	PUNCT
ajst-20798	144	23	21	21	NUM
ajst-20798	144	24	.	.	PUNCT
ajst-20798	145	1	[	[	X
ajst-20798	145	2	4	4	NUM
ajst-20798	145	3	]	]	PUNCT
ajst-20798	145	4	mohamed	mohamed	PROPN
ajst-20798	145	5	s	s	PROPN
ajst-20798	145	6	m	m	PROPN
ajst-20798	145	7	,	,	PUNCT
ajst-20798	145	8	akims	akim	VERB
ajst-20798	145	9	a	a	DET
ajst-20798	145	10	m	m	NOUN
ajst-20798	145	11	,	,	PUNCT
ajst-20798	145	12	nyachae	nyachae	PROPN
ajst-20798	145	13	m	m	NOUN
ajst-20798	145	14	s	s	PART
ajst-20798	145	15	,	,	PUNCT
ajst-20798	145	16	et	et	NOUN
ajst-20798	145	17	al.moderating	al.moderate	VERB
ajst-20798	145	18	effect	effect	NOUN
ajst-20798	145	19	of	of	ADP
ajst-20798	145	20	interest	interest	NOUN
ajst-20798	145	21	rate	rate	NOUN
ajst-20798	145	22	on	on	ADP
ajst-20798	145	23	the	the	DET
ajst-20798	145	24	relationship	relationship	NOUN
ajst-20798	145	25	between	between	ADP
ajst-20798	145	26	camel	camel	NOUN
ajst-20798	145	27	rating	rating	NOUN
ajst-20798	145	28	model	model	NOUN
ajst-20798	145	29	and	and	CCONJ
ajst-20798	145	30	financial	financial	ADJ
ajst-20798	145	31	stability	stability	NOUN
ajst-20798	145	32	of	of	ADP
ajst-20798	145	33	commercial	commercial	ADJ
ajst-20798	145	34	banks	bank	NOUN
ajst-20798	145	35	in	in	ADP
ajst-20798	145	36	kenya[j].asian	kenya[j].asian	PROPN
ajst-20798	145	37	research	research	NOUN
ajst-20798	145	38	journal	journal	PROPN
ajst-20798	145	39	of	of	ADP
ajst-20798	145	40	arts	art	NOUN
ajst-20798	145	41	social	social	ADJ
ajst-20798	145	42	sciences	science	NOUN
ajst-20798	145	43	,	,	PUNCT
ajst-20798	145	44	2023	2023	NUM
ajst-20798	145	45	,	,	PUNCT
ajst-20798	145	46	21(3):213	21(3):213	NOUN
ajst-20798	145	47	-	-	SYM
ajst-20798	145	48	223	223	NUM
ajst-20798	145	49	.	.	PUNCT
ajst-20798	146	1	[	[	X
ajst-20798	146	2	5	5	NUM
ajst-20798	146	3	]	]	X
ajst-20798	146	4	debao	debao	ADJ
ajst-20798	146	5	h	h	NOUN
ajst-20798	146	6	,	,	PUNCT
ajst-20798	146	7	jingming	jingme	VERB
ajst-20798	146	8	l	l	NOUN
ajst-20798	146	9	,	,	PUNCT
ajst-20798	146	10	sibo	sibo	PROPN
ajst-20798	146	11	z	z	PROPN
ajst-20798	146	12	.does	.does	PUNCT
ajst-20798	146	13	trade	trade	NOUN
ajst-20798	146	14	policy	policy	NOUN
ajst-20798	146	15	uncertainty	uncertainty	NOUN
ajst-20798	146	16	increase	increase	VERB
ajst-20798	146	17	commercial	commercial	ADJ
ajst-20798	146	18	banks	bank	NOUN
ajst-20798	146	19	’	'	PUNCT
ajst-20798	146	20	risk	risk	NOUN
ajst-20798	146	21	-	-	PUNCT
ajst-20798	146	22	taking	taking	NOUN
ajst-20798	146	23	?	?	PUNCT
ajst-20798	147	1	evidence	evidence	NOUN
ajst-20798	147	2	from	from	ADP
ajst-20798	147	3	china[j].international	china[j].international	ADJ
ajst-20798	147	4	review	review	NOUN
ajst-20798	147	5	of	of	ADP
ajst-20798	147	6	economics	economic	NOUN
ajst-20798	147	7	and	and	CCONJ
ajst-20798	147	8	finance	finance	NOUN
ajst-20798	147	9	,	,	PUNCT
ajst-20798	147	10	2024	2024	NUM
ajst-20798	147	11	,	,	PUNCT
ajst-20798	147	12	89(pb	89(pb	NUM
ajst-20798	147	13	):	):	PUNCT
ajst-20798	147	14	532	532	NUM
ajst-20798	147	15	-	-	SYM
ajst-20798	147	16	551	551	NUM
ajst-20798	147	17	.	.	PUNCT
ajst-20798	148	1	[	[	X
ajst-20798	148	2	6	6	NUM
ajst-20798	148	3	]	]	PUNCT
ajst-20798	148	4	xu	xu	PROPN
ajst-20798	148	5	s	s	PROPN
ajst-20798	148	6	,	,	PUNCT
ajst-20798	148	7	xinyu	xinyu	PROPN
ajst-20798	148	8	w	w	PROPN
ajst-20798	148	9	.prediction	.prediction	PROPN
ajst-20798	148	10	of	of	ADP
ajst-20798	148	11	personal	personal	ADJ
ajst-20798	148	12	default	default	NOUN
ajst-20798	148	13	risks	risk	NOUN
ajst-20798	148	14	based	base	VERB
ajst-20798	148	15	on	on	ADP
ajst-20798	148	16	a	a	DET
ajst-20798	148	17	sparrow	sparrow	ADJ
ajst-20798	148	18	search	search	NOUN
ajst-20798	148	19	algorithm	algorithm	NOUN
ajst-20798	148	20	with	with	ADP
ajst-20798	148	21	support	support	NOUN
ajst-20798	148	22	vector	vector	NOUN
ajst-20798	148	23	machine	machine	NOUN
ajst-20798	148	24	model.[j].mathematical	model.[j].mathematical	PROPN
ajst-20798	148	25	biosciences	bioscience	NOUN
ajst-20798	148	26	and	and	CCONJ
ajst-20798	148	27	engineering	engineering	NOUN
ajst-20798	148	28	:	:	PUNCT
ajst-20798	148	29	mbe	mbe	PROPN
ajst-20798	148	30	,	,	PUNCT
ajst-20798	148	31	2023	2023	NUM
ajst-20798	148	32	,	,	PUNCT
ajst-20798	148	33	20(11):19401	20(11):19401	NUM
ajst-20798	148	34	-	-	SYM
ajst-20798	148	35	19415	19415	NUM
ajst-20798	148	36	.	.	PUNCT