id	sid	tid	token	lemma	pos
ajst-20812	1	1	academic	academic	ADJ
ajst-20812	1	2	journal	journal	NOUN
ajst-20812	1	3	of	of	ADP
ajst-20812	1	4	science	science	NOUN
ajst-20812	1	5	and	and	CCONJ
ajst-20812	1	6	technology	technology	NOUN
ajst-20812	1	7	issn	issn	NOUN
ajst-20812	1	8	:	:	PUNCT
ajst-20812	1	9	2771	2771	NUM
ajst-20812	1	10	-	-	SYM
ajst-20812	1	11	3032	3032	NUM
ajst-20812	1	12	|	|	NOUN
ajst-20812	1	13	vol	vol	NOUN
ajst-20812	1	14	.	.	PROPN
ajst-20812	2	1	10	10	NUM
ajst-20812	2	2	,	,	PUNCT
ajst-20812	2	3	no	no	INTJ
ajst-20812	2	4	.	.	NOUN
ajst-20812	2	5	3	3	NUM
ajst-20812	2	6	,	,	PUNCT
ajst-20812	2	7	2024	2024	NUM
ajst-20812	2	8	192	192	NUM
ajst-20812	2	9	possible	possible	ADJ
ajst-20812	2	10	challenges	challenge	NOUN
ajst-20812	2	11	and	and	CCONJ
ajst-20812	2	12	recommendations	recommendation	NOUN
ajst-20812	2	13	for	for	ADP
ajst-20812	2	14	risk	risk	NOUN
ajst-20812	2	15	managers	manager	NOUN
ajst-20812	2	16	in	in	ADP
ajst-20812	2	17	financial	financial	ADJ
ajst-20812	2	18	institutions	institution	NOUN
ajst-20812	2	19	yiqing	yiqe	VERB
ajst-20812	2	20	wang	wang	PROPN
ajst-20812	2	21	guangzhou	guangzhou	PROPN
ajst-20812	2	22	,	,	PUNCT
ajst-20812	2	23	guangdong	guangdong	PROPN
ajst-20812	2	24	,	,	PUNCT
ajst-20812	2	25	china	china	PROPN
ajst-20812	2	26	abstract	abstract	PROPN
ajst-20812	2	27	:	:	PUNCT
ajst-20812	2	28	the	the	DET
ajst-20812	2	29	article	article	NOUN
ajst-20812	2	30	analyses	analyse	VERB
ajst-20812	2	31	the	the	DET
ajst-20812	2	32	importance	importance	NOUN
ajst-20812	2	33	and	and	CCONJ
ajst-20812	2	34	potential	potential	ADJ
ajst-20812	2	35	challenges	challenge	NOUN
ajst-20812	2	36	of	of	ADP
ajst-20812	2	37	risk	risk	NOUN
ajst-20812	2	38	management	management	NOUN
ajst-20812	2	39	in	in	ADP
ajst-20812	2	40	financial	financial	ADJ
ajst-20812	2	41	institutions	institution	NOUN
ajst-20812	2	42	,	,	PUNCT
ajst-20812	2	43	highlights	highlight	VERB
ajst-20812	2	44	the	the	DET
ajst-20812	2	45	difficulties	difficulty	NOUN
ajst-20812	2	46	financial	financial	ADJ
ajst-20812	2	47	institutions	institution	NOUN
ajst-20812	2	48	face	face	VERB
ajst-20812	2	49	in	in	ADP
ajst-20812	2	50	identifying	identify	VERB
ajst-20812	2	51	,	,	PUNCT
ajst-20812	2	52	assessing	assess	VERB
ajst-20812	2	53	and	and	CCONJ
ajst-20812	2	54	mitigating	mitigate	VERB
ajst-20812	2	55	the	the	DET
ajst-20812	2	56	various	various	ADJ
ajst-20812	2	57	risks	risk	NOUN
ajst-20812	2	58	within	within	ADP
ajst-20812	2	59	their	their	PRON
ajst-20812	2	60	organisations	organisation	NOUN
ajst-20812	2	61	,	,	PUNCT
ajst-20812	2	62	and	and	CCONJ
ajst-20812	2	63	makes	make	VERB
ajst-20812	2	64	a	a	DET
ajst-20812	2	65	number	number	NOUN
ajst-20812	2	66	of	of	ADP
ajst-20812	2	67	recommendations	recommendation	NOUN
ajst-20812	2	68	to	to	ADP
ajst-20812	2	69	the	the	DET
ajst-20812	2	70	article	article	NOUN
ajst-20812	2	71	analyses	analyse	VERB
ajst-20812	2	72	the	the	DET
ajst-20812	2	73	importance	importance	NOUN
ajst-20812	2	74	and	and	CCONJ
ajst-20812	2	75	potential	potential	ADJ
ajst-20812	2	76	challenges	challenge	NOUN
ajst-20812	2	77	of	of	ADP
ajst-20812	2	78	risk	risk	NOUN
ajst-20812	2	79	management	management	NOUN
ajst-20812	2	80	in	in	ADP
ajst-20812	2	81	financial	financial	ADJ
ajst-20812	2	82	institutions	institution	NOUN
ajst-20812	2	83	,	,	PUNCT
ajst-20812	2	84	highlights	highlight	VERB
ajst-20812	2	85	the	the	DET
ajst-20812	2	86	difficulties	difficulty	NOUN
ajst-20812	2	87	financial	financial	ADJ
ajst-20812	2	88	institutions	institution	NOUN
ajst-20812	2	89	face	face	VERB
ajst-20812	2	90	in	in	ADP
ajst-20812	2	91	identifying	identify	VERB
ajst-20812	2	92	,	,	PUNCT
ajst-20812	2	93	assessing	assess	VERB
ajst-20812	2	94	and	and	CCONJ
ajst-20812	2	95	mitigating	mitigate	VERB
ajst-20812	2	96	the	the	DET
ajst-20812	2	97	various	various	ADJ
ajst-20812	2	98	risks	risk	NOUN
ajst-20812	2	99	within	within	ADP
ajst-20812	2	100	their	their	PRON
ajst-20812	2	101	organisations	organisation	NOUN
ajst-20812	2	102	,	,	PUNCT
ajst-20812	2	103	and	and	CCONJ
ajst-20812	2	104	makes	make	VERB
ajst-20812	2	105	a	a	DET
ajst-20812	2	106	number	number	NOUN
ajst-20812	2	107	of	of	ADP
ajst-20812	2	108	recommendations	recommendation	NOUN
ajst-20812	2	109	to	to	PART
ajst-20812	2	110	address	address	VERB
ajst-20812	2	111	these	these	DET
ajst-20812	2	112	issues.this	issues.this	PRON
ajst-20812	2	113	paper	paper	NOUN
ajst-20812	2	114	explores	explore	NOUN
ajst-20812	2	115	these	these	DET
ajst-20812	2	116	challenges	challenge	NOUN
ajst-20812	2	117	,	,	PUNCT
ajst-20812	2	118	which	which	PRON
ajst-20812	2	119	include	include	VERB
ajst-20812	2	120	spillover	spillover	NOUN
ajst-20812	2	121	effects	effect	NOUN
ajst-20812	2	122	,	,	PUNCT
ajst-20812	2	123	cybersecurity	cybersecurity	NOUN
ajst-20812	2	124	issues	issue	NOUN
ajst-20812	2	125	,	,	PUNCT
ajst-20812	2	126	efficiency	efficiency	NOUN
ajst-20812	2	127	trade	trade	NOUN
ajst-20812	2	128	-	-	PUNCT
ajst-20812	2	129	offs	off	NOUN
ajst-20812	2	130	between	between	ADP
ajst-20812	2	131	costs	cost	NOUN
ajst-20812	2	132	and	and	CCONJ
ajst-20812	2	133	processes	process	NOUN
ajst-20812	2	134	,	,	PUNCT
ajst-20812	2	135	regulatory	regulatory	ADJ
ajst-20812	2	136	compliance	compliance	NOUN
ajst-20812	2	137	,	,	PUNCT
ajst-20812	2	138	and	and	CCONJ
ajst-20812	2	139	the	the	DET
ajst-20812	2	140	impact	impact	NOUN
ajst-20812	2	141	of	of	ADP
ajst-20812	2	142	globalisation	globalisation	NOUN
ajst-20812	2	143	.	.	PUNCT
ajst-20812	3	1	recommendations	recommendation	NOUN
ajst-20812	3	2	are	be	AUX
ajst-20812	3	3	made	make	VERB
ajst-20812	3	4	to	to	PART
ajst-20812	3	5	address	address	VERB
ajst-20812	3	6	these	these	DET
ajst-20812	3	7	challenges	challenge	NOUN
ajst-20812	3	8	,	,	PUNCT
ajst-20812	3	9	such	such	ADJ
ajst-20812	3	10	as	as	ADP
ajst-20812	3	11	adopting	adopt	VERB
ajst-20812	3	12	standardised	standardised	ADJ
ajst-20812	3	13	procedures	procedure	NOUN
ajst-20812	3	14	,	,	PUNCT
ajst-20812	3	15	embracing	embrace	VERB
ajst-20812	3	16	technological	technological	ADJ
ajst-20812	3	17	innovation	innovation	NOUN
ajst-20812	3	18	,	,	PUNCT
ajst-20812	3	19	identifying	identify	VERB
ajst-20812	3	20	emerging	emerge	VERB
ajst-20812	3	21	risks	risk	NOUN
ajst-20812	3	22	,	,	PUNCT
ajst-20812	3	23	and	and	CCONJ
ajst-20812	3	24	increasing	increase	VERB
ajst-20812	3	25	automation	automation	NOUN
ajst-20812	3	26	of	of	ADP
ajst-20812	3	27	risk	risk	NOUN
ajst-20812	3	28	management	management	NOUN
ajst-20812	3	29	processes	process	NOUN
ajst-20812	3	30	.	.	PUNCT
ajst-20812	4	1	effective	effective	ADJ
ajst-20812	4	2	risk	risk	NOUN
ajst-20812	4	3	management	management	NOUN
ajst-20812	4	4	practices	practice	NOUN
ajst-20812	4	5	are	be	AUX
ajst-20812	4	6	essential	essential	ADJ
ajst-20812	4	7	to	to	PART
ajst-20812	4	8	address	address	VERB
ajst-20812	4	9	the	the	DET
ajst-20812	4	10	complexity	complexity	NOUN
ajst-20812	4	11	of	of	ADP
ajst-20812	4	12	the	the	DET
ajst-20812	4	13	financial	financial	ADJ
ajst-20812	4	14	industry	industry	NOUN
ajst-20812	4	15	and	and	CCONJ
ajst-20812	4	16	ensure	ensure	VERB
ajst-20812	4	17	organisational	organisational	ADJ
ajst-20812	4	18	resilience	resilience	NOUN
ajst-20812	4	19	.	.	PUNCT
ajst-20812	5	1	keywords	keyword	NOUN
ajst-20812	5	2	:	:	PUNCT
ajst-20812	5	3	risk	risk	NOUN
ajst-20812	5	4	management	management	NOUN
ajst-20812	5	5	,	,	PUNCT
ajst-20812	5	6	financial	financial	ADJ
ajst-20812	5	7	organazations	organazation	NOUN
ajst-20812	5	8	,	,	PUNCT
ajst-20812	5	9	spill	spill	NOUN
ajst-20812	5	10	-	-	PUNCT
ajst-20812	5	11	over	over	ADP
ajst-20812	5	12	effects	effect	NOUN
ajst-20812	5	13	,	,	PUNCT
ajst-20812	5	14	globalization	globalization	NOUN
ajst-20812	5	15	,	,	PUNCT
ajst-20812	5	16	standardized	standardized	ADJ
ajst-20812	5	17	procedures	procedure	NOUN
ajst-20812	5	18	.	.	PUNCT
ajst-20812	6	1	1	1	X
ajst-20812	6	2	.	.	X
ajst-20812	6	3	introduction	introduction	NOUN
ajst-20812	6	4	risk	risk	NOUN
ajst-20812	6	5	management	management	NOUN
ajst-20812	6	6	in	in	ADP
ajst-20812	6	7	organisations	organisation	NOUN
ajst-20812	6	8	includes	include	VERB
ajst-20812	6	9	all	all	DET
ajst-20812	6	10	relevant	relevant	ADJ
ajst-20812	6	11	steps	step	NOUN
ajst-20812	6	12	and	and	CCONJ
ajst-20812	6	13	activities	activity	NOUN
ajst-20812	6	14	that	that	PRON
ajst-20812	6	15	are	be	AUX
ajst-20812	6	16	associated	associate	VERB
ajst-20812	6	17	with	with	ADP
ajst-20812	6	18	identification	identification	NOUN
ajst-20812	6	19	,	,	PUNCT
ajst-20812	6	20	evaluation	evaluation	NOUN
ajst-20812	6	21	and	and	CCONJ
ajst-20812	6	22	mitigation	mitigation	NOUN
ajst-20812	6	23	of	of	ADP
ajst-20812	6	24	different	different	ADJ
ajst-20812	6	25	types	type	NOUN
ajst-20812	6	26	of	of	ADP
ajst-20812	6	27	risks	risk	NOUN
ajst-20812	6	28	within	within	ADP
ajst-20812	6	29	the	the	DET
ajst-20812	6	30	organisation	organisation	NOUN
ajst-20812	6	31	(	(	PUNCT
ajst-20812	6	32	fadun	fadun	PROPN
ajst-20812	6	33	,	,	PUNCT
ajst-20812	6	34	2013	2013	NUM
ajst-20812	6	35	)	)	PUNCT
ajst-20812	6	36	.	.	PUNCT
ajst-20812	7	1	effective	effective	ADJ
ajst-20812	7	2	management	management	NOUN
ajst-20812	7	3	of	of	ADP
ajst-20812	7	4	risks	risk	NOUN
ajst-20812	7	5	within	within	ADP
ajst-20812	7	6	an	an	DET
ajst-20812	7	7	organisation	organisation	NOUN
ajst-20812	7	8	includes	include	VERB
ajst-20812	7	9	not	not	PART
ajst-20812	7	10	only	only	ADV
ajst-20812	7	11	adoption	adoption	NOUN
ajst-20812	7	12	of	of	ADP
ajst-20812	7	13	effective	effective	ADJ
ajst-20812	7	14	practices	practice	NOUN
ajst-20812	7	15	and	and	CCONJ
ajst-20812	7	16	strategies	strategy	NOUN
ajst-20812	7	17	that	that	PRON
ajst-20812	7	18	can	can	AUX
ajst-20812	7	19	be	be	AUX
ajst-20812	7	20	used	use	VERB
ajst-20812	7	21	for	for	ADP
ajst-20812	7	22	mitigation	mitigation	NOUN
ajst-20812	7	23	of	of	ADP
ajst-20812	7	24	risks	risk	NOUN
ajst-20812	7	25	,	,	PUNCT
ajst-20812	7	26	but	but	CCONJ
ajst-20812	7	27	also	also	ADV
ajst-20812	7	28	requires	require	VERB
ajst-20812	7	29	development	development	NOUN
ajst-20812	7	30	and	and	CCONJ
ajst-20812	7	31	adoption	adoption	NOUN
ajst-20812	7	32	of	of	ADP
ajst-20812	7	33	effective	effective	ADJ
ajst-20812	7	34	risk	risk	NOUN
ajst-20812	7	35	management	management	NOUN
ajst-20812	7	36	frameworks	framework	NOUN
ajst-20812	7	37	,	,	PUNCT
ajst-20812	7	38	policies	policy	NOUN
ajst-20812	7	39	and	and	CCONJ
ajst-20812	7	40	also	also	ADV
ajst-20812	7	41	an	an	DET
ajst-20812	7	42	infrastructure	infrastructure	NOUN
ajst-20812	7	43	that	that	PRON
ajst-20812	7	44	can	can	AUX
ajst-20812	7	45	be	be	AUX
ajst-20812	7	46	used	use	VERB
ajst-20812	7	47	for	for	ADP
ajst-20812	7	48	their	their	PRON
ajst-20812	7	49	management	management	NOUN
ajst-20812	7	50	(	(	PUNCT
ajst-20812	7	51	fadun	fadun	PROPN
ajst-20812	7	52	,	,	PUNCT
ajst-20812	7	53	2013	2013	NUM
ajst-20812	7	54	)	)	PUNCT
ajst-20812	7	55	.	.	PUNCT
ajst-20812	8	1	while	while	SCONJ
ajst-20812	8	2	there	there	PRON
ajst-20812	8	3	are	be	VERB
ajst-20812	8	4	several	several	ADJ
ajst-20812	8	5	tools	tool	NOUN
ajst-20812	8	6	and	and	CCONJ
ajst-20812	8	7	frameworks	framework	NOUN
ajst-20812	8	8	that	that	PRON
ajst-20812	8	9	have	have	AUX
ajst-20812	8	10	been	be	AUX
ajst-20812	8	11	developed	develop	VERB
ajst-20812	8	12	for	for	ADP
ajst-20812	8	13	assisting	assist	VERB
ajst-20812	8	14	people	people	NOUN
ajst-20812	8	15	in	in	ADP
ajst-20812	8	16	managing	manage	VERB
ajst-20812	8	17	organisational	organisational	ADJ
ajst-20812	8	18	risks	risk	NOUN
ajst-20812	8	19	effectively	effectively	ADV
ajst-20812	8	20	,	,	PUNCT
ajst-20812	8	21	people	people	NOUN
ajst-20812	8	22	involved	involve	VERB
ajst-20812	8	23	in	in	ADP
ajst-20812	8	24	it	it	PRON
ajst-20812	8	25	still	still	ADV
ajst-20812	8	26	face	face	VERB
ajst-20812	8	27	a	a	DET
ajst-20812	8	28	plethora	plethora	NOUN
ajst-20812	8	29	of	of	ADP
ajst-20812	8	30	challenges	challenge	NOUN
ajst-20812	8	31	.	.	PUNCT
ajst-20812	9	1	the	the	DET
ajst-20812	9	2	essay	essay	NOUN
ajst-20812	9	3	thus	thus	ADV
ajst-20812	9	4	focuses	focus	VERB
ajst-20812	9	5	on	on	ADP
ajst-20812	9	6	evaluating	evaluate	VERB
ajst-20812	9	7	the	the	DET
ajst-20812	9	8	challenges	challenge	NOUN
ajst-20812	9	9	that	that	PRON
ajst-20812	9	10	people	people	NOUN
ajst-20812	9	11	in	in	ADP
ajst-20812	9	12	general	general	ADJ
ajst-20812	9	13	face	face	NOUN
ajst-20812	9	14	while	while	SCONJ
ajst-20812	9	15	improving	improve	VERB
ajst-20812	9	16	the	the	DET
ajst-20812	9	17	way	way	NOUN
ajst-20812	9	18	risk	risk	NOUN
ajst-20812	9	19	and	and	CCONJ
ajst-20812	9	20	uncertainty	uncertainty	NOUN
ajst-20812	9	21	are	be	AUX
ajst-20812	9	22	dealt	deal	VERB
ajst-20812	9	23	with	with	ADP
ajst-20812	9	24	in	in	ADP
ajst-20812	9	25	companies	company	NOUN
ajst-20812	9	26	and	and	CCONJ
ajst-20812	9	27	also	also	ADV
ajst-20812	9	28	then	then	ADV
ajst-20812	9	29	makes	make	VERB
ajst-20812	9	30	recommendations	recommendation	NOUN
ajst-20812	9	31	that	that	PRON
ajst-20812	9	32	can	can	AUX
ajst-20812	9	33	be	be	AUX
ajst-20812	9	34	beneficial	beneficial	ADJ
ajst-20812	9	35	for	for	ADP
ajst-20812	9	36	overcoming	overcome	VERB
ajst-20812	9	37	these	these	DET
ajst-20812	9	38	challenges	challenge	NOUN
ajst-20812	9	39	.	.	PUNCT
ajst-20812	10	1	the	the	DET
ajst-20812	10	2	focus	focus	NOUN
ajst-20812	10	3	of	of	ADP
ajst-20812	10	4	the	the	DET
ajst-20812	10	5	essay	essay	NOUN
ajst-20812	10	6	remains	remain	VERB
ajst-20812	10	7	on	on	ADP
ajst-20812	10	8	financial	financial	ADJ
ajst-20812	10	9	organisations	organisation	NOUN
ajst-20812	10	10	and	and	CCONJ
ajst-20812	10	11	the	the	DET
ajst-20812	10	12	recommendations	recommendation	NOUN
ajst-20812	10	13	that	that	PRON
ajst-20812	10	14	have	have	AUX
ajst-20812	10	15	been	be	AUX
ajst-20812	10	16	made	make	VERB
ajst-20812	10	17	further	far	ADV
ajst-20812	10	18	also	also	ADV
ajst-20812	10	19	relate	relate	VERB
ajst-20812	10	20	to	to	ADP
ajst-20812	10	21	such	such	ADJ
ajst-20812	10	22	firms	firm	NOUN
ajst-20812	10	23	.	.	PUNCT
ajst-20812	11	1	2	2	X
ajst-20812	11	2	.	.	X
ajst-20812	11	3	challenges	challenge	NOUN
ajst-20812	11	4	faced	face	VERB
ajst-20812	11	5	by	by	ADP
ajst-20812	11	6	people	people	NOUN
ajst-20812	11	7	improving	improve	VERB
ajst-20812	11	8	management	management	NOUN
ajst-20812	11	9	of	of	ADP
ajst-20812	11	10	risks	risk	NOUN
ajst-20812	11	11	in	in	ADP
ajst-20812	11	12	financial	financial	ADJ
ajst-20812	11	13	organisations	organisation	NOUN
ajst-20812	11	14	the	the	DET
ajst-20812	11	15	global	global	ADJ
ajst-20812	11	16	financial	financial	ADJ
ajst-20812	11	17	crisis	crisis	NOUN
ajst-20812	11	18	that	that	PRON
ajst-20812	11	19	occurred	occur	VERB
ajst-20812	11	20	in	in	ADP
ajst-20812	11	21	2008	2008	NUM
ajst-20812	11	22	has	have	AUX
ajst-20812	11	23	highlighted	highlight	VERB
ajst-20812	11	24	the	the	DET
ajst-20812	11	25	regulatory	regulatory	ADJ
ajst-20812	11	26	and	and	CCONJ
ajst-20812	11	27	underlying	underlying	ADJ
ajst-20812	11	28	management	management	NOUN
ajst-20812	11	29	issues	issue	NOUN
ajst-20812	11	30	of	of	ADP
ajst-20812	11	31	these	these	DET
ajst-20812	11	32	financial	financial	ADJ
ajst-20812	11	33	organisations	organisation	NOUN
ajst-20812	11	34	,	,	PUNCT
ajst-20812	11	35	thus	thus	ADV
ajst-20812	11	36	making	make	VERB
ajst-20812	11	37	risk	risk	NOUN
ajst-20812	11	38	management	management	NOUN
ajst-20812	11	39	a	a	DET
ajst-20812	11	40	key	key	ADJ
ajst-20812	11	41	priority	priority	NOUN
ajst-20812	11	42	for	for	ADP
ajst-20812	11	43	them	they	PRON
ajst-20812	11	44	(	(	PUNCT
ajst-20812	11	45	cheng	cheng	PROPN
ajst-20812	11	46	et	et	PROPN
ajst-20812	11	47	al	al	PROPN
ajst-20812	11	48	2015	2015	NUM
ajst-20812	11	49	)	)	PUNCT
ajst-20812	11	50	.	.	PUNCT
ajst-20812	12	1	while	while	SCONJ
ajst-20812	12	2	these	these	DET
ajst-20812	12	3	organisations	organisation	NOUN
ajst-20812	12	4	are	be	AUX
ajst-20812	12	5	focusing	focus	VERB
ajst-20812	12	6	on	on	ADP
ajst-20812	12	7	adoption	adoption	NOUN
ajst-20812	12	8	of	of	ADP
ajst-20812	12	9	new	new	ADJ
ajst-20812	12	10	and	and	CCONJ
ajst-20812	12	11	efficient	efficient	ADJ
ajst-20812	12	12	ways	way	NOUN
ajst-20812	12	13	of	of	ADP
ajst-20812	12	14	managing	manage	VERB
ajst-20812	12	15	risks	risk	NOUN
ajst-20812	12	16	,	,	PUNCT
ajst-20812	12	17	people	people	NOUN
ajst-20812	12	18	who	who	PRON
ajst-20812	12	19	are	be	AUX
ajst-20812	12	20	responsible	responsible	ADJ
ajst-20812	12	21	for	for	ADP
ajst-20812	12	22	integration	integration	NOUN
ajst-20812	12	23	of	of	ADP
ajst-20812	12	24	these	these	DET
ajst-20812	12	25	practices	practice	NOUN
ajst-20812	12	26	seem	seem	VERB
ajst-20812	12	27	to	to	PART
ajst-20812	12	28	face	face	VERB
ajst-20812	12	29	massive	massive	ADJ
ajst-20812	12	30	challenges	challenge	NOUN
ajst-20812	12	31	.	.	PUNCT
ajst-20812	13	1	one	one	NUM
ajst-20812	13	2	of	of	ADP
ajst-20812	13	3	the	the	DET
ajst-20812	13	4	major	major	ADJ
ajst-20812	13	5	issues	issue	NOUN
ajst-20812	13	6	as	as	SCONJ
ajst-20812	13	7	identified	identify	VERB
ajst-20812	13	8	by	by	ADP
ajst-20812	13	9	adams	adams	PROPN
ajst-20812	13	10	et	et	PROPN
ajst-20812	13	11	al	al	PROPN
ajst-20812	13	12	(	(	PUNCT
ajst-20812	13	13	2014	2014	NUM
ajst-20812	13	14	)	)	PUNCT
ajst-20812	13	15	and	and	CCONJ
ajst-20812	13	16	wang	wang	PROPN
ajst-20812	13	17	et	et	PROPN
ajst-20812	13	18	al	al	PROPN
ajst-20812	13	19	(	(	PUNCT
ajst-20812	13	20	2017	2017	NUM
ajst-20812	13	21	)	)	PUNCT
ajst-20812	13	22	is	be	AUX
ajst-20812	13	23	the	the	DET
ajst-20812	13	24	issue	issue	NOUN
ajst-20812	13	25	caused	cause	VERB
ajst-20812	13	26	due	due	ADJ
ajst-20812	13	27	to	to	ADP
ajst-20812	13	28	spill	spill	NOUN
ajst-20812	13	29	-	-	PUNCT
ajst-20812	13	30	over	over	ADP
ajst-20812	13	31	effects	effect	NOUN
ajst-20812	13	32	.	.	PUNCT
ajst-20812	14	1	financial	financial	ADJ
ajst-20812	14	2	institutions	institution	NOUN
ajst-20812	14	3	usually	usually	ADV
ajst-20812	14	4	offer	offer	VERB
ajst-20812	14	5	a	a	DET
ajst-20812	14	6	range	range	NOUN
ajst-20812	14	7	of	of	ADP
ajst-20812	14	8	products	product	NOUN
ajst-20812	14	9	and	and	CCONJ
ajst-20812	14	10	service	service	NOUN
ajst-20812	14	11	based	base	VERB
ajst-20812	14	12	solutions	solution	NOUN
ajst-20812	14	13	to	to	ADP
ajst-20812	14	14	their	their	PRON
ajst-20812	14	15	customers	customer	NOUN
ajst-20812	14	16	and	and	CCONJ
ajst-20812	14	17	clients	client	NOUN
ajst-20812	14	18	and	and	CCONJ
ajst-20812	14	19	adopt	adopt	VERB
ajst-20812	14	20	a	a	DET
ajst-20812	14	21	consolidated	consolidated	ADJ
ajst-20812	14	22	enterprise	enterprise	NOUN
ajst-20812	14	23	risk	risk	NOUN
ajst-20812	14	24	management	management	NOUN
ajst-20812	14	25	system	system	NOUN
ajst-20812	14	26	and	and	CCONJ
ajst-20812	14	27	solution	solution	NOUN
ajst-20812	14	28	.	.	PUNCT
ajst-20812	15	1	while	while	SCONJ
ajst-20812	15	2	the	the	DET
ajst-20812	15	3	consolidated	consolidated	ADJ
ajst-20812	15	4	risk	risk	NOUN
ajst-20812	15	5	management	management	NOUN
ajst-20812	15	6	helps	help	VERB
ajst-20812	15	7	in	in	ADP
ajst-20812	15	8	accomplishing	accomplish	VERB
ajst-20812	15	9	higher	high	ADJ
ajst-20812	15	10	coordination	coordination	NOUN
ajst-20812	15	11	across	across	ADP
ajst-20812	15	12	departments	department	NOUN
ajst-20812	15	13	and	and	CCONJ
ajst-20812	15	14	also	also	ADV
ajst-20812	15	15	effective	effective	ADJ
ajst-20812	15	16	establishment	establishment	NOUN
ajst-20812	15	17	of	of	ADP
ajst-20812	15	18	different	different	ADJ
ajst-20812	15	19	methods	method	NOUN
ajst-20812	15	20	for	for	ADP
ajst-20812	15	21	managing	manage	VERB
ajst-20812	15	22	different	different	ADJ
ajst-20812	15	23	risks	risk	NOUN
ajst-20812	15	24	,	,	PUNCT
ajst-20812	15	25	it	it	PRON
ajst-20812	15	26	does	do	AUX
ajst-20812	15	27	not	not	PART
ajst-20812	15	28	help	help	VERB
ajst-20812	15	29	in	in	ADP
ajst-20812	15	30	managing	manage	VERB
ajst-20812	15	31	spillover	spillover	NOUN
ajst-20812	15	32	effects	effect	NOUN
ajst-20812	15	33	(	(	PUNCT
ajst-20812	15	34	berry‐stölzle	berry‐stölzle	NOUN
ajst-20812	15	35	and	and	CCONJ
ajst-20812	15	36	xu	xu	INTJ
ajst-20812	15	37	,	,	PUNCT
ajst-20812	15	38	2018	2018	NUM
ajst-20812	15	39	)	)	PUNCT
ajst-20812	15	40	.	.	PUNCT
ajst-20812	16	1	berry‐stölzle	berry‐stölzle	PROPN
ajst-20812	17	1	and	and	CCONJ
ajst-20812	17	2	xu	xu	INTJ
ajst-20812	17	3	(	(	PUNCT
ajst-20812	17	4	2018	2018	NUM
ajst-20812	17	5	)	)	PUNCT
ajst-20812	17	6	explain	explain	VERB
ajst-20812	17	7	that	that	SCONJ
ajst-20812	17	8	when	when	SCONJ
ajst-20812	17	9	a	a	DET
ajst-20812	17	10	financial	financial	ADJ
ajst-20812	17	11	institution	institution	NOUN
ajst-20812	17	12	offers	offer	VERB
ajst-20812	17	13	a	a	DET
ajst-20812	17	14	range	range	NOUN
ajst-20812	17	15	of	of	ADP
ajst-20812	17	16	products	product	NOUN
ajst-20812	17	17	in	in	ADP
ajst-20812	17	18	its	its	PRON
ajst-20812	17	19	portfolio	portfolio	NOUN
ajst-20812	17	20	and	and	CCONJ
ajst-20812	17	21	hence	hence	ADV
ajst-20812	17	22	losses	loss	NOUN
ajst-20812	17	23	and	and	CCONJ
ajst-20812	17	24	risks	risk	NOUN
ajst-20812	17	25	associated	associate	VERB
ajst-20812	17	26	with	with	ADP
ajst-20812	17	27	one	one	NUM
ajst-20812	17	28	of	of	ADP
ajst-20812	17	29	them	they	PRON
ajst-20812	17	30	can	can	AUX
ajst-20812	17	31	also	also	ADV
ajst-20812	17	32	have	have	VERB
ajst-20812	17	33	spill	spill	NOUN
ajst-20812	17	34	-	-	PUNCT
ajst-20812	17	35	over	over	ADP
ajst-20812	17	36	negative	negative	ADJ
ajst-20812	17	37	effects	effect	NOUN
ajst-20812	17	38	on	on	ADP
ajst-20812	17	39	other	other	ADJ
ajst-20812	17	40	products	product	NOUN
ajst-20812	17	41	in	in	ADP
ajst-20812	17	42	the	the	DET
ajst-20812	17	43	portfolio	portfolio	NOUN
ajst-20812	17	44	.	.	PUNCT
ajst-20812	18	1	thus	thus	ADV
ajst-20812	18	2	,	,	PUNCT
ajst-20812	18	3	while	while	SCONJ
ajst-20812	18	4	the	the	DET
ajst-20812	18	5	consolidated	consolidated	ADJ
ajst-20812	18	6	approach	approach	NOUN
ajst-20812	18	7	towards	towards	ADP
ajst-20812	18	8	risk	risk	NOUN
ajst-20812	18	9	management	management	NOUN
ajst-20812	18	10	helps	help	VERB
ajst-20812	18	11	the	the	DET
ajst-20812	18	12	people	people	NOUN
ajst-20812	18	13	in	in	ADP
ajst-20812	18	14	standardising	standardise	VERB
ajst-20812	18	15	the	the	DET
ajst-20812	18	16	process	process	NOUN
ajst-20812	18	17	,	,	PUNCT
ajst-20812	18	18	they	they	PRON
ajst-20812	18	19	often	often	ADV
ajst-20812	18	20	face	face	VERB
ajst-20812	18	21	the	the	DET
ajst-20812	18	22	issue	issue	NOUN
ajst-20812	18	23	of	of	ADP
ajst-20812	18	24	these	these	DET
ajst-20812	18	25	spill	spill	NOUN
ajst-20812	18	26	-	-	PUNCT
ajst-20812	18	27	over	over	ADP
ajst-20812	18	28	effects	effect	NOUN
ajst-20812	18	29	and	and	CCONJ
ajst-20812	18	30	are	be	AUX
ajst-20812	18	31	not	not	PART
ajst-20812	18	32	able	able	ADJ
ajst-20812	18	33	to	to	PART
ajst-20812	18	34	effectively	effectively	ADV
ajst-20812	18	35	identify	identify	VERB
ajst-20812	18	36	and	and	CCONJ
ajst-20812	18	37	manage	manage	VERB
ajst-20812	18	38	all	all	DET
ajst-20812	18	39	the	the	DET
ajst-20812	18	40	risks	risk	NOUN
ajst-20812	18	41	.	.	PUNCT
ajst-20812	19	1	the	the	DET
ajst-20812	19	2	people	people	NOUN
ajst-20812	19	3	also	also	ADV
ajst-20812	19	4	face	face	VERB
ajst-20812	19	5	challenges	challenge	NOUN
ajst-20812	19	6	in	in	ADP
ajst-20812	19	7	the	the	DET
ajst-20812	19	8	process	process	NOUN
ajst-20812	19	9	of	of	ADP
ajst-20812	19	10	risk	risk	NOUN
ajst-20812	19	11	management	management	NOUN
ajst-20812	19	12	because	because	SCONJ
ajst-20812	19	13	of	of	ADP
ajst-20812	19	14	the	the	DET
ajst-20812	19	15	increase	increase	NOUN
ajst-20812	19	16	in	in	ADP
ajst-20812	19	17	cyber	cyber	ADJ
ajst-20812	19	18	-	-	PUNCT
ajst-20812	19	19	security	security	NOUN
ajst-20812	19	20	issues	issue	NOUN
ajst-20812	19	21	and	and	CCONJ
ajst-20812	19	22	concerns	concern	NOUN
ajst-20812	19	23	.	.	PUNCT
ajst-20812	20	1	on	on	ADP
ajst-20812	20	2	one	one	NUM
ajst-20812	20	3	hand	hand	NOUN
ajst-20812	20	4	,	,	PUNCT
ajst-20812	20	5	use	use	NOUN
ajst-20812	20	6	of	of	ADP
ajst-20812	20	7	technologies	technology	NOUN
ajst-20812	20	8	and	and	CCONJ
ajst-20812	20	9	digital	digital	ADJ
ajst-20812	20	10	innovation	innovation	NOUN
ajst-20812	20	11	has	have	AUX
ajst-20812	20	12	considerably	considerably	ADV
ajst-20812	20	13	increased	increase	VERB
ajst-20812	20	14	in	in	ADP
ajst-20812	20	15	banks	bank	NOUN
ajst-20812	20	16	and	and	CCONJ
ajst-20812	20	17	other	other	ADJ
ajst-20812	20	18	financial	financial	ADJ
ajst-20812	20	19	institutions	institution	NOUN
ajst-20812	20	20	to	to	PART
ajst-20812	20	21	improve	improve	VERB
ajst-20812	20	22	and	and	CCONJ
ajst-20812	20	23	enhance	enhance	VERB
ajst-20812	20	24	performance	performance	NOUN
ajst-20812	20	25	,	,	PUNCT
ajst-20812	20	26	but	but	CCONJ
ajst-20812	20	27	on	on	ADP
ajst-20812	20	28	the	the	DET
ajst-20812	20	29	other	other	ADJ
ajst-20812	20	30	hand	hand	NOUN
ajst-20812	20	31	,	,	PUNCT
ajst-20812	20	32	these	these	DET
ajst-20812	20	33	technologies	technology	NOUN
ajst-20812	20	34	come	come	VERB
ajst-20812	20	35	along	along	ADP
ajst-20812	20	36	with	with	ADP
ajst-20812	20	37	a	a	DET
ajst-20812	20	38	large	large	ADJ
ajst-20812	20	39	number	number	NOUN
ajst-20812	20	40	of	of	ADP
ajst-20812	20	41	cyber	cyber	NOUN
ajst-20812	20	42	-	-	PUNCT
ajst-20812	20	43	security	security	NOUN
ajst-20812	20	44	and	and	CCONJ
ajst-20812	20	45	digital	digital	ADJ
ajst-20812	20	46	issues	issue	NOUN
ajst-20812	20	47	and	and	CCONJ
ajst-20812	20	48	challenges	challenge	NOUN
ajst-20812	20	49	(	(	PUNCT
ajst-20812	20	50	singh	singh	PROPN
ajst-20812	20	51	and	and	CCONJ
ajst-20812	20	52	singh	singh	PROPN
ajst-20812	20	53	,	,	PUNCT
ajst-20812	20	54	2016	2016	NUM
ajst-20812	20	55	)	)	PUNCT
ajst-20812	20	56	.	.	PUNCT
ajst-20812	21	1	especially	especially	ADV
ajst-20812	21	2	,	,	PUNCT
ajst-20812	21	3	as	as	SCONJ
ajst-20812	21	4	technological	technological	ADJ
ajst-20812	21	5	advancements	advancement	NOUN
ajst-20812	21	6	are	be	AUX
ajst-20812	21	7	taking	take	VERB
ajst-20812	21	8	place	place	NOUN
ajst-20812	21	9	,	,	PUNCT
ajst-20812	21	10	the	the	DET
ajst-20812	21	11	ability	ability	NOUN
ajst-20812	21	12	of	of	ADP
ajst-20812	21	13	criminals	criminal	NOUN
ajst-20812	21	14	and	and	CCONJ
ajst-20812	21	15	hackers	hacker	NOUN
ajst-20812	21	16	to	to	PART
ajst-20812	21	17	overcome	overcome	VERB
ajst-20812	21	18	the	the	DET
ajst-20812	21	19	security	security	NOUN
ajst-20812	21	20	measures	measure	NOUN
ajst-20812	21	21	adopted	adopt	VERB
ajst-20812	21	22	by	by	ADP
ajst-20812	21	23	firms	firm	NOUN
ajst-20812	21	24	and	and	CCONJ
ajst-20812	21	25	hack	hack	VERB
ajst-20812	21	26	into	into	ADP
ajst-20812	21	27	the	the	DET
ajst-20812	21	28	system	system	NOUN
ajst-20812	21	29	has	have	AUX
ajst-20812	21	30	increased	increase	VERB
ajst-20812	21	31	considerably	considerably	ADV
ajst-20812	21	32	(	(	PUNCT
ajst-20812	21	33	kopp	kopp	PROPN
ajst-20812	21	34	et	et	PROPN
ajst-20812	21	35	al	al	PROPN
ajst-20812	21	36	2017	2017	NUM
ajst-20812	21	37	)	)	PUNCT
ajst-20812	21	38	.	.	PUNCT
ajst-20812	22	1	the	the	DET
ajst-20812	22	2	growth	growth	NOUN
ajst-20812	22	3	of	of	ADP
ajst-20812	22	4	fintech	fintech	NOUN
ajst-20812	22	5	firms	firm	NOUN
ajst-20812	22	6	has	have	AUX
ajst-20812	22	7	further	far	ADV
ajst-20812	22	8	added	add	VERB
ajst-20812	22	9	to	to	ADP
ajst-20812	22	10	the	the	DET
ajst-20812	22	11	issue	issue	NOUN
ajst-20812	22	12	because	because	SCONJ
ajst-20812	22	13	these	these	DET
ajst-20812	22	14	firms	firm	NOUN
ajst-20812	22	15	require	require	VERB
ajst-20812	22	16	execution	execution	NOUN
ajst-20812	22	17	of	of	ADP
ajst-20812	22	18	a	a	DET
ajst-20812	22	19	large	large	ADJ
ajst-20812	22	20	number	number	NOUN
ajst-20812	22	21	of	of	ADP
ajst-20812	22	22	transactions	transaction	NOUN
ajst-20812	22	23	and	and	CCONJ
ajst-20812	22	24	financial	financial	ADJ
ajst-20812	22	25	activities	activity	NOUN
ajst-20812	22	26	online	online	ADV
ajst-20812	22	27	,	,	PUNCT
ajst-20812	22	28	thus	thus	ADV
ajst-20812	22	29	increasing	increase	VERB
ajst-20812	22	30	the	the	DET
ajst-20812	22	31	risks	risk	NOUN
ajst-20812	22	32	of	of	ADP
ajst-20812	22	33	cyber	cyber	NOUN
ajst-20812	22	34	-	-	PUNCT
ajst-20812	22	35	security	security	NOUN
ajst-20812	22	36	.	.	PUNCT
ajst-20812	23	1	people	people	NOUN
ajst-20812	23	2	managing	manage	VERB
ajst-20812	23	3	risks	risk	NOUN
ajst-20812	23	4	in	in	ADP
ajst-20812	23	5	these	these	DET
ajst-20812	23	6	organisations	organisation	NOUN
ajst-20812	23	7	thus	thus	ADV
ajst-20812	23	8	often	often	ADV
ajst-20812	23	9	face	face	VERB
ajst-20812	23	10	the	the	DET
ajst-20812	23	11	problem	problem	NOUN
ajst-20812	23	12	and	and	CCONJ
ajst-20812	23	13	issue	issue	NOUN
ajst-20812	23	14	of	of	ADP
ajst-20812	23	15	not	not	PART
ajst-20812	23	16	being	be	AUX
ajst-20812	23	17	able	able	ADJ
ajst-20812	23	18	to	to	PART
ajst-20812	23	19	manage	manage	VERB
ajst-20812	23	20	these	these	DET
ajst-20812	23	21	technologies	technology	NOUN
ajst-20812	23	22	for	for	ADP
ajst-20812	23	23	effectively	effectively	ADV
ajst-20812	23	24	managing	manage	VERB
ajst-20812	23	25	and	and	CCONJ
ajst-20812	23	26	mitigating	mitigate	VERB
ajst-20812	23	27	risks	risk	NOUN
ajst-20812	23	28	(	(	PUNCT
ajst-20812	23	29	kopp	kopp	PROPN
ajst-20812	23	30	et	et	PROPN
ajst-20812	23	31	al	al	PROPN
ajst-20812	23	32	2017	2017	NUM
ajst-20812	23	33	)	)	PUNCT
ajst-20812	23	34	.	.	PUNCT
ajst-20812	24	1	trading	trade	VERB
ajst-20812	24	2	off	off	ADP
ajst-20812	24	3	between	between	ADP
ajst-20812	24	4	costs	cost	NOUN
ajst-20812	24	5	incurred	incur	VERB
ajst-20812	24	6	in	in	ADP
ajst-20812	24	7	management	management	NOUN
ajst-20812	24	8	of	of	ADP
ajst-20812	24	9	risks	risk	NOUN
ajst-20812	24	10	and	and	CCONJ
ajst-20812	24	11	the	the	DET
ajst-20812	24	12	efficiency	efficiency	NOUN
ajst-20812	24	13	of	of	ADP
ajst-20812	24	14	processes	process	NOUN
ajst-20812	24	15	that	that	PRON
ajst-20812	24	16	are	be	AUX
ajst-20812	24	17	adopted	adopt	VERB
ajst-20812	24	18	is	be	AUX
ajst-20812	24	19	yet	yet	ADV
ajst-20812	24	20	another	another	DET
ajst-20812	24	21	challenge	challenge	NOUN
ajst-20812	24	22	that	that	PRON
ajst-20812	24	23	is	be	AUX
ajst-20812	24	24	commonly	commonly	ADV
ajst-20812	24	25	faced	face	VERB
ajst-20812	24	26	by	by	ADP
ajst-20812	24	27	people	people	NOUN
ajst-20812	24	28	managing	manage	VERB
ajst-20812	24	29	risks	risk	NOUN
ajst-20812	24	30	in	in	ADP
ajst-20812	24	31	case	case	NOUN
ajst-20812	24	32	of	of	ADP
ajst-20812	24	33	financial	financial	ADJ
ajst-20812	24	34	organisations	organisation	NOUN
ajst-20812	24	35	(	(	PUNCT
ajst-20812	24	36	waemustafa	waemustafa	NOUN
ajst-20812	24	37	and	and	CCONJ
ajst-20812	24	38	sukri	sukri	NOUN
ajst-20812	24	39	,	,	PUNCT
ajst-20812	24	40	2016	2016	NUM
ajst-20812	24	41	)	)	PUNCT
ajst-20812	24	42	.	.	PUNCT
ajst-20812	25	1	increasing	increase	VERB
ajst-20812	25	2	competition	competition	NOUN
ajst-20812	25	3	in	in	ADP
ajst-20812	25	4	the	the	DET
ajst-20812	25	5	financial	financial	ADJ
ajst-20812	25	6	sector	sector	NOUN
ajst-20812	25	7	and	and	CCONJ
ajst-20812	25	8	their	their	PRON
ajst-20812	25	9	need	need	NOUN
ajst-20812	25	10	to	to	PART
ajst-20812	25	11	manage	manage	VERB
ajst-20812	25	12	and	and	CCONJ
ajst-20812	25	13	follow	follow	VERB
ajst-20812	25	14	all	all	DET
ajst-20812	25	15	the	the	DET
ajst-20812	25	16	regulatory	regulatory	ADJ
ajst-20812	25	17	requirements	requirement	NOUN
ajst-20812	25	18	has	have	AUX
ajst-20812	25	19	resulted	result	VERB
ajst-20812	25	20	into	into	ADP
ajst-20812	25	21	a	a	DET
ajst-20812	25	22	high	high	ADJ
ajst-20812	25	23	need	need	NOUN
ajst-20812	25	24	for	for	SCONJ
ajst-20812	25	25	them	they	PRON
ajst-20812	25	26	to	to	PART
ajst-20812	25	27	be	be	AUX
ajst-20812	25	28	able	able	ADJ
ajst-20812	25	29	to	to	PART
ajst-20812	25	30	minimise	minimise	VERB
ajst-20812	25	31	and	and	CCONJ
ajst-20812	25	32	193	193	NUM
ajst-20812	25	33	reduce	reduce	VERB
ajst-20812	25	34	costs	cost	NOUN
ajst-20812	25	35	.	.	PUNCT
ajst-20812	26	1	thus	thus	ADV
ajst-20812	26	2	,	,	PUNCT
ajst-20812	26	3	a	a	DET
ajst-20812	26	4	major	major	ADJ
ajst-20812	26	5	issue	issue	NOUN
ajst-20812	26	6	that	that	SCONJ
ajst-20812	26	7	the	the	DET
ajst-20812	26	8	people	people	NOUN
ajst-20812	26	9	in	in	ADP
ajst-20812	26	10	financial	financial	ADJ
ajst-20812	26	11	institutions	institution	NOUN
ajst-20812	26	12	face	face	VERB
ajst-20812	26	13	is	be	AUX
ajst-20812	26	14	that	that	SCONJ
ajst-20812	26	15	while	while	SCONJ
ajst-20812	26	16	they	they	PRON
ajst-20812	26	17	try	try	VERB
ajst-20812	26	18	to	to	PART
ajst-20812	26	19	accomplish	accomplish	VERB
ajst-20812	26	20	higher	high	ADJ
ajst-20812	26	21	efficiency	efficiency	NOUN
ajst-20812	26	22	in	in	ADP
ajst-20812	26	23	the	the	DET
ajst-20812	26	24	processes	process	NOUN
ajst-20812	26	25	that	that	PRON
ajst-20812	26	26	they	they	PRON
ajst-20812	26	27	adopt	adopt	VERB
ajst-20812	26	28	,	,	PUNCT
ajst-20812	26	29	they	they	PRON
ajst-20812	26	30	also	also	ADV
ajst-20812	26	31	need	need	VERB
ajst-20812	26	32	to	to	PART
ajst-20812	26	33	make	make	VERB
ajst-20812	26	34	sure	sure	ADJ
ajst-20812	26	35	that	that	SCONJ
ajst-20812	26	36	the	the	DET
ajst-20812	26	37	underlying	underlying	ADJ
ajst-20812	26	38	costs	cost	NOUN
ajst-20812	26	39	go	go	VERB
ajst-20812	26	40	down	down	ADP
ajst-20812	26	41	(	(	PUNCT
ajst-20812	26	42	waemustafa	waemustafa	NOUN
ajst-20812	26	43	and	and	CCONJ
ajst-20812	26	44	sukri	sukri	NOUN
ajst-20812	26	45	,	,	PUNCT
ajst-20812	26	46	2016	2016	NUM
ajst-20812	26	47	)	)	PUNCT
ajst-20812	26	48	.	.	PUNCT
ajst-20812	27	1	the	the	DET
ajst-20812	27	2	regulators	regulator	NOUN
ajst-20812	27	3	and	and	CCONJ
ajst-20812	27	4	people	people	NOUN
ajst-20812	27	5	responsible	responsible	ADJ
ajst-20812	27	6	for	for	ADP
ajst-20812	27	7	managing	manage	VERB
ajst-20812	27	8	risks	risk	NOUN
ajst-20812	27	9	in	in	ADP
ajst-20812	27	10	financial	financial	ADJ
ajst-20812	27	11	institutions	institution	NOUN
ajst-20812	27	12	also	also	ADV
ajst-20812	27	13	face	face	VERB
ajst-20812	27	14	challenges	challenge	NOUN
ajst-20812	27	15	because	because	SCONJ
ajst-20812	27	16	of	of	ADP
ajst-20812	27	17	the	the	DET
ajst-20812	27	18	regulators	regulator	NOUN
ajst-20812	27	19	and	and	CCONJ
ajst-20812	27	20	associated	associated	ADJ
ajst-20812	27	21	compliance	compliance	NOUN
ajst-20812	27	22	issues	issue	NOUN
ajst-20812	27	23	.	.	PUNCT
ajst-20812	28	1	global	global	ADJ
ajst-20812	28	2	financial	financial	ADJ
ajst-20812	28	3	crisis	crisis	NOUN
ajst-20812	28	4	has	have	AUX
ajst-20812	28	5	resulted	result	VERB
ajst-20812	28	6	into	into	ADP
ajst-20812	28	7	enactment	enactment	NOUN
ajst-20812	28	8	of	of	ADP
ajst-20812	28	9	a	a	DET
ajst-20812	28	10	large	large	ADJ
ajst-20812	28	11	number	number	NOUN
ajst-20812	28	12	of	of	ADP
ajst-20812	28	13	regulations	regulation	NOUN
ajst-20812	28	14	and	and	CCONJ
ajst-20812	28	15	laws	law	NOUN
ajst-20812	28	16	that	that	PRON
ajst-20812	28	17	are	be	AUX
ajst-20812	28	18	focused	focus	VERB
ajst-20812	28	19	towards	towards	ADP
ajst-20812	28	20	protection	protection	NOUN
ajst-20812	28	21	of	of	ADP
ajst-20812	28	22	the	the	DET
ajst-20812	28	23	financial	financial	ADJ
ajst-20812	28	24	firms	firm	NOUN
ajst-20812	28	25	and	and	CCONJ
ajst-20812	28	26	interests	interest	NOUN
ajst-20812	28	27	of	of	ADP
ajst-20812	28	28	the	the	DET
ajst-20812	28	29	stakeholders	stakeholder	NOUN
ajst-20812	28	30	(	(	PUNCT
ajst-20812	28	31	lucey	lucey	PROPN
ajst-20812	28	32	et	et	PROPN
ajst-20812	28	33	al	al	PROPN
ajst-20812	28	34	2018	2018	NUM
ajst-20812	28	35	)	)	PUNCT
ajst-20812	28	36	.	.	PUNCT
ajst-20812	29	1	people	people	NOUN
ajst-20812	29	2	thus	thus	ADV
ajst-20812	29	3	responsible	responsible	ADJ
ajst-20812	29	4	for	for	ADP
ajst-20812	29	5	managing	manage	VERB
ajst-20812	29	6	risks	risk	NOUN
ajst-20812	29	7	in	in	ADP
ajst-20812	29	8	these	these	DET
ajst-20812	29	9	organisations	organisation	NOUN
ajst-20812	29	10	face	face	VERB
ajst-20812	29	11	the	the	DET
ajst-20812	29	12	challenge	challenge	NOUN
ajst-20812	29	13	and	and	CCONJ
ajst-20812	29	14	issue	issue	NOUN
ajst-20812	29	15	of	of	ADP
ajst-20812	29	16	making	make	VERB
ajst-20812	29	17	sure	sure	ADJ
ajst-20812	29	18	that	that	SCONJ
ajst-20812	29	19	they	they	PRON
ajst-20812	29	20	adhere	adhere	VERB
ajst-20812	29	21	and	and	CCONJ
ajst-20812	29	22	comply	comply	VERB
ajst-20812	29	23	with	with	ADP
ajst-20812	29	24	all	all	DET
ajst-20812	29	25	regulatory	regulatory	ADJ
ajst-20812	29	26	needs	need	NOUN
ajst-20812	29	27	and	and	CCONJ
ajst-20812	29	28	requirements	requirement	NOUN
ajst-20812	29	29	.	.	PUNCT
ajst-20812	30	1	this	this	PRON
ajst-20812	30	2	can	can	AUX
ajst-20812	30	3	be	be	AUX
ajst-20812	30	4	explained	explain	VERB
ajst-20812	30	5	with	with	ADP
ajst-20812	30	6	the	the	DET
ajst-20812	30	7	example	example	NOUN
ajst-20812	30	8	of	of	ADP
ajst-20812	30	9	the	the	DET
ajst-20812	30	10	dodd	dodd	PROPN
ajst-20812	30	11	-	-	PUNCT
ajst-20812	30	12	frank	frank	PROPN
ajst-20812	30	13	act	act	PROPN
ajst-20812	30	14	,	,	PUNCT
ajst-20812	30	15	which	which	PRON
ajst-20812	30	16	has	have	AUX
ajst-20812	30	17	been	be	AUX
ajst-20812	30	18	established	establish	VERB
ajst-20812	30	19	to	to	PART
ajst-20812	30	20	define	define	VERB
ajst-20812	30	21	the	the	DET
ajst-20812	30	22	regulatory	regulatory	ADJ
ajst-20812	30	23	enforcement	enforcement	NOUN
ajst-20812	30	24	associated	associate	VERB
ajst-20812	30	25	with	with	ADP
ajst-20812	30	26	compensation	compensation	NOUN
ajst-20812	30	27	of	of	ADP
ajst-20812	30	28	executives	executive	NOUN
ajst-20812	30	29	,	,	PUNCT
ajst-20812	30	30	corporate	corporate	ADJ
ajst-20812	30	31	governance	governance	NOUN
ajst-20812	30	32	and	and	CCONJ
ajst-20812	30	33	people	people	NOUN
ajst-20812	30	34	involved	involve	VERB
ajst-20812	30	35	in	in	ADP
ajst-20812	30	36	security	security	NOUN
ajst-20812	30	37	-	-	PUNCT
ajst-20812	30	38	based	base	VERB
ajst-20812	30	39	major	major	ADJ
ajst-20812	30	40	swap	swap	NOUN
ajst-20812	30	41	activities	activity	NOUN
ajst-20812	30	42	(	(	PUNCT
ajst-20812	30	43	mohanty	mohanty	NOUN
ajst-20812	30	44	et	et	NOUN
ajst-20812	30	45	al	al	PROPN
ajst-20812	30	46	2018	2018	NUM
ajst-20812	30	47	)	)	PUNCT
ajst-20812	30	48	.	.	PUNCT
ajst-20812	31	1	the	the	DET
ajst-20812	31	2	act	act	NOUN
ajst-20812	31	3	has	have	VERB
ajst-20812	31	4	a	a	DET
ajst-20812	31	5	provision	provision	NOUN
ajst-20812	31	6	called	call	VERB
ajst-20812	31	7	“	"	PUNCT
ajst-20812	31	8	say	say	VERB
ajst-20812	31	9	no	no	DET
ajst-20812	31	10	pay	pay	NOUN
ajst-20812	31	11	”	"	PUNCT
ajst-20812	31	12	,	,	PUNCT
ajst-20812	31	13	which	which	PRON
ajst-20812	31	14	has	have	AUX
ajst-20812	31	15	resulted	result	VERB
ajst-20812	31	16	into	into	ADP
ajst-20812	31	17	a	a	DET
ajst-20812	31	18	large	large	ADJ
ajst-20812	31	19	number	number	NOUN
ajst-20812	31	20	of	of	ADP
ajst-20812	31	21	suits	suit	NOUN
ajst-20812	31	22	against	against	ADP
ajst-20812	31	23	different	different	ADJ
ajst-20812	31	24	financial	financial	ADJ
ajst-20812	31	25	institutions	institution	NOUN
ajst-20812	31	26	(	(	PUNCT
ajst-20812	31	27	mohanty	mohanty	PROPN
ajst-20812	31	28	et	et	NOUN
ajst-20812	31	29	al	al	PROPN
ajst-20812	31	30	2018	2018	NUM
ajst-20812	31	31	)	)	PUNCT
ajst-20812	31	32	.	.	PUNCT
ajst-20812	32	1	thus	thus	ADV
ajst-20812	32	2	,	,	PUNCT
ajst-20812	32	3	management	management	NOUN
ajst-20812	32	4	of	of	ADP
ajst-20812	32	5	these	these	DET
ajst-20812	32	6	regulatory	regulatory	ADJ
ajst-20812	32	7	requirements	requirement	NOUN
ajst-20812	32	8	remains	remain	VERB
ajst-20812	32	9	a	a	DET
ajst-20812	32	10	major	major	ADJ
ajst-20812	32	11	issue	issue	NOUN
ajst-20812	32	12	faced	face	VERB
ajst-20812	32	13	by	by	ADP
ajst-20812	32	14	people	people	NOUN
ajst-20812	32	15	responsible	responsible	ADJ
ajst-20812	32	16	for	for	ADP
ajst-20812	32	17	management	management	NOUN
ajst-20812	32	18	of	of	ADP
ajst-20812	32	19	risks	risk	NOUN
ajst-20812	32	20	in	in	ADP
ajst-20812	32	21	case	case	NOUN
ajst-20812	32	22	of	of	ADP
ajst-20812	32	23	financial	financial	ADJ
ajst-20812	32	24	institutions	institution	NOUN
ajst-20812	32	25	and	and	CCONJ
ajst-20812	32	26	organisations	organisation	NOUN
ajst-20812	32	27	.	.	PUNCT
ajst-20812	33	1	while	while	SCONJ
ajst-20812	33	2	the	the	DET
ajst-20812	33	3	existence	existence	NOUN
ajst-20812	33	4	of	of	ADP
ajst-20812	33	5	different	different	ADJ
ajst-20812	33	6	laws	law	NOUN
ajst-20812	33	7	and	and	CCONJ
ajst-20812	33	8	regulations	regulation	NOUN
ajst-20812	33	9	remains	remain	VERB
ajst-20812	33	10	a	a	DET
ajst-20812	33	11	massive	massive	ADJ
ajst-20812	33	12	issue	issue	NOUN
ajst-20812	33	13	in	in	ADP
ajst-20812	33	14	banking	banking	NOUN
ajst-20812	33	15	risk	risk	NOUN
ajst-20812	33	16	management	management	NOUN
ajst-20812	33	17	,	,	PUNCT
ajst-20812	33	18	lu	lu	PROPN
ajst-20812	33	19	(	(	PUNCT
ajst-20812	33	20	2018	2018	NUM
ajst-20812	33	21	)	)	PUNCT
ajst-20812	33	22	argues	argue	VERB
ajst-20812	33	23	that	that	SCONJ
ajst-20812	33	24	financial	financial	ADJ
ajst-20812	33	25	institutions	institution	NOUN
ajst-20812	33	26	are	be	AUX
ajst-20812	33	27	becoming	become	VERB
ajst-20812	33	28	more	more	ADV
ajst-20812	33	29	and	and	CCONJ
ajst-20812	33	30	more	more	ADV
ajst-20812	33	31	international	international	ADJ
ajst-20812	33	32	,	,	PUNCT
ajst-20812	33	33	which	which	PRON
ajst-20812	33	34	is	be	AUX
ajst-20812	33	35	adding	add	VERB
ajst-20812	33	36	to	to	ADP
ajst-20812	33	37	the	the	DET
ajst-20812	33	38	legal	legal	ADJ
ajst-20812	33	39	and	and	CCONJ
ajst-20812	33	40	regulatory	regulatory	ADJ
ajst-20812	33	41	issues	issue	NOUN
ajst-20812	33	42	faced	face	VERB
ajst-20812	33	43	by	by	ADP
ajst-20812	33	44	them	they	PRON
ajst-20812	33	45	.	.	PUNCT
ajst-20812	34	1	there	there	PRON
ajst-20812	34	2	are	be	VERB
ajst-20812	34	3	several	several	ADJ
ajst-20812	34	4	banks	bank	NOUN
ajst-20812	34	5	around	around	ADP
ajst-20812	34	6	the	the	DET
ajst-20812	34	7	world	world	NOUN
ajst-20812	34	8	such	such	ADJ
ajst-20812	34	9	as	as	ADP
ajst-20812	34	10	bank	bank	NOUN
ajst-20812	34	11	of	of	ADP
ajst-20812	34	12	credit	credit	NOUN
ajst-20812	34	13	and	and	CCONJ
ajst-20812	34	14	commerce	commerce	PROPN
ajst-20812	34	15	international	international	ADJ
ajst-20812	34	16	(	(	PUNCT
ajst-20812	34	17	bcci	bcci	NOUN
ajst-20812	34	18	)	)	PUNCT
ajst-20812	34	19	,	,	PUNCT
ajst-20812	34	20	deutsche	deutsche	PROPN
ajst-20812	34	21	bank	bank	PROPN
ajst-20812	34	22	and	and	CCONJ
ajst-20812	34	23	standard	standard	ADJ
ajst-20812	34	24	chartered	chartered	ADJ
ajst-20812	34	25	bank	bank	PROPN
ajst-20812	34	26	that	that	PRON
ajst-20812	34	27	have	have	AUX
ajst-20812	34	28	been	be	AUX
ajst-20812	34	29	accused	accuse	VERB
ajst-20812	34	30	in	in	ADP
ajst-20812	34	31	money	money	NOUN
ajst-20812	34	32	laundering	laundering	NOUN
ajst-20812	34	33	cases	case	NOUN
ajst-20812	34	34	(	(	PUNCT
ajst-20812	34	35	giudici	giudici	NOUN
ajst-20812	34	36	,	,	PUNCT
ajst-20812	34	37	2018	2018	NUM
ajst-20812	34	38	)	)	PUNCT
ajst-20812	34	39	.	.	PUNCT
ajst-20812	35	1	the	the	DET
ajst-20812	35	2	occurrence	occurrence	NOUN
ajst-20812	35	3	of	of	ADP
ajst-20812	35	4	these	these	DET
ajst-20812	35	5	cases	case	NOUN
ajst-20812	35	6	and	and	CCONJ
ajst-20812	35	7	events	event	NOUN
ajst-20812	35	8	has	have	AUX
ajst-20812	35	9	resulted	result	VERB
ajst-20812	35	10	into	into	ADP
ajst-20812	35	11	additional	additional	ADJ
ajst-20812	35	12	pressure	pressure	NOUN
ajst-20812	35	13	for	for	ADP
ajst-20812	35	14	the	the	DET
ajst-20812	35	15	financial	financial	ADJ
ajst-20812	35	16	firms	firm	NOUN
ajst-20812	35	17	wherein	wherein	SCONJ
ajst-20812	35	18	they	they	PRON
ajst-20812	35	19	need	need	VERB
ajst-20812	35	20	to	to	PART
ajst-20812	35	21	make	make	VERB
ajst-20812	35	22	sure	sure	ADJ
ajst-20812	35	23	that	that	SCONJ
ajst-20812	35	24	their	their	PRON
ajst-20812	35	25	global	global	ADJ
ajst-20812	35	26	transactions	transaction	NOUN
ajst-20812	35	27	are	be	AUX
ajst-20812	35	28	being	be	AUX
ajst-20812	35	29	carried	carry	VERB
ajst-20812	35	30	out	out	ADP
ajst-20812	35	31	adequately	adequately	ADV
ajst-20812	35	32	.	.	PUNCT
ajst-20812	36	1	this	this	PRON
ajst-20812	36	2	thus	thus	ADV
ajst-20812	36	3	adds	add	VERB
ajst-20812	36	4	to	to	ADP
ajst-20812	36	5	the	the	DET
ajst-20812	36	6	problems	problem	NOUN
ajst-20812	36	7	for	for	ADP
ajst-20812	36	8	people	people	NOUN
ajst-20812	36	9	responsible	responsible	ADJ
ajst-20812	36	10	for	for	ADP
ajst-20812	36	11	management	management	NOUN
ajst-20812	36	12	of	of	ADP
ajst-20812	36	13	risks	risk	NOUN
ajst-20812	36	14	in	in	ADP
ajst-20812	36	15	these	these	DET
ajst-20812	36	16	firms	firm	NOUN
ajst-20812	36	17	.	.	PUNCT
ajst-20812	37	1	the	the	DET
ajst-20812	37	2	execution	execution	NOUN
ajst-20812	37	3	of	of	ADP
ajst-20812	37	4	global	global	ADJ
ajst-20812	37	5	transactions	transaction	NOUN
ajst-20812	37	6	and	and	CCONJ
ajst-20812	37	7	making	make	VERB
ajst-20812	37	8	sure	sure	ADJ
ajst-20812	37	9	that	that	SCONJ
ajst-20812	37	10	the	the	DET
ajst-20812	37	11	practices	practice	NOUN
ajst-20812	37	12	comply	comply	VERB
ajst-20812	37	13	with	with	ADP
ajst-20812	37	14	international	international	ADJ
ajst-20812	37	15	regulations	regulation	NOUN
ajst-20812	37	16	and	and	CCONJ
ajst-20812	37	17	laws	law	NOUN
ajst-20812	37	18	make	make	VERB
ajst-20812	37	19	it	it	PRON
ajst-20812	37	20	difficult	difficult	ADJ
ajst-20812	37	21	for	for	SCONJ
ajst-20812	37	22	the	the	DET
ajst-20812	37	23	people	people	NOUN
ajst-20812	37	24	to	to	PART
ajst-20812	37	25	carry	carry	VERB
ajst-20812	37	26	out	out	ADP
ajst-20812	37	27	and	and	CCONJ
ajst-20812	37	28	complete	complete	VERB
ajst-20812	37	29	their	their	PRON
ajst-20812	37	30	transactions	transaction	NOUN
ajst-20812	37	31	effectively	effectively	ADV
ajst-20812	37	32	.	.	PUNCT
ajst-20812	38	1	these	these	DET
ajst-20812	38	2	discussions	discussion	NOUN
ajst-20812	38	3	thus	thus	ADV
ajst-20812	38	4	establish	establish	VERB
ajst-20812	38	5	and	and	CCONJ
ajst-20812	38	6	confirm	confirm	VERB
ajst-20812	38	7	that	that	SCONJ
ajst-20812	38	8	there	there	PRON
ajst-20812	38	9	are	be	VERB
ajst-20812	38	10	indeed	indeed	ADV
ajst-20812	38	11	a	a	DET
ajst-20812	38	12	plethora	plethora	NOUN
ajst-20812	38	13	of	of	ADP
ajst-20812	38	14	different	different	ADJ
ajst-20812	38	15	challenges	challenge	NOUN
ajst-20812	38	16	that	that	PRON
ajst-20812	38	17	people	people	NOUN
ajst-20812	38	18	in	in	ADP
ajst-20812	38	19	financial	financial	ADJ
ajst-20812	38	20	institutions	institution	NOUN
ajst-20812	38	21	face	face	VERB
ajst-20812	38	22	while	while	SCONJ
ajst-20812	38	23	trying	try	VERB
ajst-20812	38	24	to	to	PART
ajst-20812	38	25	manage	manage	VERB
ajst-20812	38	26	and	and	CCONJ
ajst-20812	38	27	carry	carry	VERB
ajst-20812	38	28	out	out	ADP
ajst-20812	38	29	their	their	PRON
ajst-20812	38	30	relevant	relevant	ADJ
ajst-20812	38	31	activities	activity	NOUN
ajst-20812	38	32	with	with	ADP
ajst-20812	38	33	respect	respect	NOUN
ajst-20812	38	34	to	to	ADP
ajst-20812	38	35	management	management	NOUN
ajst-20812	38	36	of	of	ADP
ajst-20812	38	37	risks	risk	NOUN
ajst-20812	38	38	in	in	ADP
ajst-20812	38	39	their	their	PRON
ajst-20812	38	40	organisations	organisation	NOUN
ajst-20812	38	41	.	.	PUNCT
ajst-20812	39	1	some	some	DET
ajst-20812	39	2	recommendations	recommendation	NOUN
ajst-20812	39	3	that	that	PRON
ajst-20812	39	4	can	can	AUX
ajst-20812	39	5	be	be	AUX
ajst-20812	39	6	made	make	VERB
ajst-20812	39	7	for	for	SCONJ
ajst-20812	39	8	them	they	PRON
ajst-20812	39	9	to	to	PART
ajst-20812	39	10	be	be	AUX
ajst-20812	39	11	able	able	ADJ
ajst-20812	39	12	to	to	PART
ajst-20812	39	13	deal	deal	VERB
ajst-20812	39	14	with	with	ADP
ajst-20812	39	15	these	these	DET
ajst-20812	39	16	challenges	challenge	NOUN
ajst-20812	39	17	and	and	CCONJ
ajst-20812	39	18	issues	issue	NOUN
ajst-20812	39	19	in	in	ADP
ajst-20812	39	20	a	a	DET
ajst-20812	39	21	better	well	ADJ
ajst-20812	39	22	manner	manner	NOUN
ajst-20812	39	23	are	be	AUX
ajst-20812	39	24	being	be	AUX
ajst-20812	39	25	presented	present	VERB
ajst-20812	39	26	further	far	ADV
ajst-20812	39	27	.	.	PUNCT
ajst-20812	40	1	3	3	X
ajst-20812	40	2	.	.	X
ajst-20812	40	3	recommendations	recommendation	NOUN
ajst-20812	40	4	for	for	ADP
ajst-20812	40	5	improving	improve	VERB
ajst-20812	40	6	dealing	deal	VERB
ajst-20812	40	7	with	with	ADP
ajst-20812	40	8	risk	risk	NOUN
ajst-20812	40	9	and	and	CCONJ
ajst-20812	40	10	uncertainty	uncertainty	NOUN
ajst-20812	40	11	it	it	PRON
ajst-20812	40	12	can	can	AUX
ajst-20812	40	13	be	be	AUX
ajst-20812	40	14	recommended	recommend	VERB
ajst-20812	40	15	for	for	ADP
ajst-20812	40	16	the	the	DET
ajst-20812	40	17	people	people	NOUN
ajst-20812	40	18	managing	manage	VERB
ajst-20812	40	19	risks	risk	NOUN
ajst-20812	40	20	in	in	ADP
ajst-20812	40	21	financial	financial	ADJ
ajst-20812	40	22	organisations	organisation	NOUN
ajst-20812	40	23	to	to	PART
ajst-20812	40	24	focus	focus	VERB
ajst-20812	40	25	upon	upon	SCONJ
ajst-20812	40	26	the	the	DET
ajst-20812	40	27	standardised	standardised	ADJ
ajst-20812	40	28	procedures	procedure	NOUN
ajst-20812	40	29	and	and	CCONJ
ajst-20812	40	30	practices	practice	NOUN
ajst-20812	40	31	as	as	SCONJ
ajst-20812	40	32	defined	define	VERB
ajst-20812	40	33	in	in	ADP
ajst-20812	40	34	standards	standard	NOUN
ajst-20812	40	35	such	such	ADJ
ajst-20812	40	36	as	as	ADP
ajst-20812	40	37	basel	basel	PROPN
ajst-20812	40	38	iv	iv	PROPN
ajst-20812	40	39	(	(	PUNCT
ajst-20812	40	40	stankovska	stankovska	PROPN
ajst-20812	40	41	et	et	PROPN
ajst-20812	40	42	al	al	PROPN
ajst-20812	40	43	2018	2018	NUM
ajst-20812	40	44	)	)	PUNCT
ajst-20812	40	45	.	.	PUNCT
ajst-20812	41	1	the	the	DET
ajst-20812	41	2	new	new	ADJ
ajst-20812	41	3	improved	improve	VERB
ajst-20812	41	4	framework	framework	NOUN
ajst-20812	41	5	for	for	ADP
ajst-20812	41	6	managing	manage	VERB
ajst-20812	41	7	risks	risk	NOUN
ajst-20812	41	8	has	have	AUX
ajst-20812	41	9	resulted	result	VERB
ajst-20812	41	10	into	into	ADP
ajst-20812	41	11	several	several	ADJ
ajst-20812	41	12	changes	change	NOUN
ajst-20812	41	13	as	as	SCONJ
ajst-20812	41	14	compared	compare	VERB
ajst-20812	41	15	to	to	ADP
ajst-20812	41	16	the	the	DET
ajst-20812	41	17	older	old	ADJ
ajst-20812	41	18	standards	standard	NOUN
ajst-20812	41	19	and	and	CCONJ
ajst-20812	41	20	standardised	standardised	ADJ
ajst-20812	41	21	procedures	procedure	NOUN
ajst-20812	41	22	,	,	PUNCT
ajst-20812	41	23	which	which	PRON
ajst-20812	41	24	have	have	VERB
ajst-20812	41	25	strong	strong	ADJ
ajst-20812	41	26	and	and	CCONJ
ajst-20812	41	27	positive	positive	ADJ
ajst-20812	41	28	implications	implication	NOUN
ajst-20812	41	29	for	for	ADP
ajst-20812	41	30	different	different	ADJ
ajst-20812	41	31	parts	part	NOUN
ajst-20812	41	32	and	and	CCONJ
ajst-20812	41	33	aspects	aspect	NOUN
ajst-20812	41	34	of	of	ADP
ajst-20812	41	35	the	the	DET
ajst-20812	41	36	business	business	NOUN
ajst-20812	41	37	such	such	ADJ
ajst-20812	41	38	as	as	ADP
ajst-20812	41	39	mortgages	mortgage	NOUN
ajst-20812	41	40	and	and	CCONJ
ajst-20812	41	41	also	also	ADV
ajst-20812	41	42	highquality	highquality	NOUN
ajst-20812	41	43	loans	loan	NOUN
ajst-20812	41	44	(	(	PUNCT
ajst-20812	41	45	stankovska	stankovska	VERB
ajst-20812	41	46	et	et	PROPN
ajst-20812	41	47	al	al	PROPN
ajst-20812	41	48	2018	2018	NUM
ajst-20812	41	49	)	)	PUNCT
ajst-20812	41	50	.	.	PUNCT
ajst-20812	42	1	it	it	PRON
ajst-20812	42	2	can	can	AUX
ajst-20812	42	3	be	be	AUX
ajst-20812	42	4	thus	thus	ADV
ajst-20812	42	5	recommended	recommend	VERB
ajst-20812	42	6	that	that	SCONJ
ajst-20812	42	7	people	people	NOUN
ajst-20812	42	8	managing	manage	VERB
ajst-20812	42	9	risks	risk	NOUN
ajst-20812	42	10	in	in	ADP
ajst-20812	42	11	financial	financial	ADJ
ajst-20812	42	12	organisations	organisation	NOUN
ajst-20812	42	13	can	can	AUX
ajst-20812	42	14	adopt	adopt	VERB
ajst-20812	42	15	and	and	CCONJ
ajst-20812	42	16	focus	focus	VERB
ajst-20812	42	17	upon	upon	SCONJ
ajst-20812	42	18	these	these	DET
ajst-20812	42	19	standardised	standardised	ADJ
ajst-20812	42	20	procedures	procedure	NOUN
ajst-20812	42	21	for	for	ADP
ajst-20812	42	22	risk	risk	NOUN
ajst-20812	42	23	management	management	NOUN
ajst-20812	42	24	.	.	PUNCT
ajst-20812	43	1	these	these	DET
ajst-20812	43	2	standardised	standardise	VERB
ajst-20812	43	3	risk	risk	NOUN
ajst-20812	43	4	management	management	NOUN
ajst-20812	43	5	framework	framework	NOUN
ajst-20812	43	6	can	can	AUX
ajst-20812	43	7	be	be	AUX
ajst-20812	43	8	further	far	ADV
ajst-20812	43	9	amalgamated	amalgamate	VERB
ajst-20812	43	10	with	with	ADP
ajst-20812	43	11	specific	specific	ADJ
ajst-20812	43	12	department	department	NOUN
ajst-20812	43	13	wise	wise	ADJ
ajst-20812	43	14	policies	policy	NOUN
ajst-20812	43	15	and	and	CCONJ
ajst-20812	43	16	practices	practice	NOUN
ajst-20812	43	17	.	.	PUNCT
ajst-20812	44	1	it	it	PRON
ajst-20812	44	2	has	have	AUX
ajst-20812	44	3	been	be	AUX
ajst-20812	44	4	discussed	discuss	VERB
ajst-20812	44	5	earlier	early	ADV
ajst-20812	44	6	that	that	SCONJ
ajst-20812	44	7	consolidated	consolidated	ADJ
ajst-20812	44	8	risk	risk	NOUN
ajst-20812	44	9	management	management	NOUN
ajst-20812	44	10	practices	practice	NOUN
ajst-20812	44	11	in	in	ADP
ajst-20812	44	12	financial	financial	ADJ
ajst-20812	44	13	organisations	organisation	NOUN
ajst-20812	44	14	can	can	AUX
ajst-20812	44	15	result	result	VERB
ajst-20812	44	16	into	into	ADP
ajst-20812	44	17	several	several	ADJ
ajst-20812	44	18	challenges	challenge	NOUN
ajst-20812	44	19	and	and	CCONJ
ajst-20812	44	20	issues	issue	NOUN
ajst-20812	44	21	(	(	PUNCT
ajst-20812	44	22	zhang	zhang	X
ajst-20812	44	23	et	et	PROPN
ajst-20812	44	24	al	al	PROPN
ajst-20812	44	25	2018	2018	NUM
ajst-20812	44	26	)	)	PUNCT
ajst-20812	44	27	.	.	PUNCT
ajst-20812	45	1	thus	thus	ADV
ajst-20812	45	2	,	,	PUNCT
ajst-20812	45	3	people	people	NOUN
ajst-20812	45	4	managing	manage	VERB
ajst-20812	45	5	these	these	DET
ajst-20812	45	6	risks	risk	NOUN
ajst-20812	45	7	can	can	AUX
ajst-20812	45	8	integrate	integrate	VERB
ajst-20812	45	9	and	and	CCONJ
ajst-20812	45	10	combine	combine	VERB
ajst-20812	45	11	the	the	DET
ajst-20812	45	12	standard	standard	ADJ
ajst-20812	45	13	procedures	procedure	NOUN
ajst-20812	45	14	as	as	SCONJ
ajst-20812	45	15	defined	define	VERB
ajst-20812	45	16	under	under	ADP
ajst-20812	45	17	frameworks	framework	NOUN
ajst-20812	45	18	such	such	ADJ
ajst-20812	45	19	as	as	ADP
ajst-20812	45	20	basel	basel	PROPN
ajst-20812	45	21	iv	iv	NUM
ajst-20812	45	22	with	with	ADP
ajst-20812	45	23	specific	specific	ADJ
ajst-20812	45	24	policies	policy	NOUN
ajst-20812	45	25	for	for	ADP
ajst-20812	45	26	different	different	ADJ
ajst-20812	45	27	departments	department	NOUN
ajst-20812	45	28	.	.	PUNCT
ajst-20812	46	1	this	this	PRON
ajst-20812	46	2	will	will	AUX
ajst-20812	46	3	ensure	ensure	VERB
ajst-20812	46	4	that	that	SCONJ
ajst-20812	46	5	the	the	DET
ajst-20812	46	6	spill	spill	NOUN
ajst-20812	46	7	-	-	PUNCT
ajst-20812	46	8	over	over	ADP
ajst-20812	46	9	effects	effect	NOUN
ajst-20812	46	10	are	be	AUX
ajst-20812	46	11	minimised	minimise	VERB
ajst-20812	46	12	and	and	CCONJ
ajst-20812	46	13	the	the	DET
ajst-20812	46	14	overall	overall	ADJ
ajst-20812	46	15	practices	practice	NOUN
ajst-20812	46	16	improve	improve	VERB
ajst-20812	46	17	.	.	PUNCT
ajst-20812	47	1	the	the	DET
ajst-20812	47	2	people	people	NOUN
ajst-20812	47	3	in	in	ADP
ajst-20812	47	4	these	these	DET
ajst-20812	47	5	financial	financial	ADJ
ajst-20812	47	6	organisations	organisation	NOUN
ajst-20812	47	7	can	can	AUX
ajst-20812	47	8	also	also	ADV
ajst-20812	47	9	be	be	AUX
ajst-20812	47	10	further	far	ADV
ajst-20812	47	11	recommended	recommend	VERB
ajst-20812	47	12	to	to	PART
ajst-20812	47	13	focus	focus	VERB
ajst-20812	47	14	upon	upon	SCONJ
ajst-20812	47	15	technological	technological	ADJ
ajst-20812	47	16	innovation	innovation	NOUN
ajst-20812	47	17	for	for	ADP
ajst-20812	47	18	improving	improve	VERB
ajst-20812	47	19	the	the	DET
ajst-20812	47	20	adopted	adopt	VERB
ajst-20812	47	21	practices	practice	NOUN
ajst-20812	47	22	.	.	PUNCT
ajst-20812	48	1	adoption	adoption	NOUN
ajst-20812	48	2	of	of	ADP
ajst-20812	48	3	new	new	ADJ
ajst-20812	48	4	technologies	technology	NOUN
ajst-20812	48	5	such	such	ADJ
ajst-20812	48	6	as	as	ADP
ajst-20812	48	7	artificial	artificial	ADJ
ajst-20812	48	8	intelligence	intelligence	NOUN
ajst-20812	48	9	(	(	PUNCT
ajst-20812	48	10	ai	ai	NOUN
ajst-20812	48	11	)	)	PUNCT
ajst-20812	48	12	,	,	PUNCT
ajst-20812	48	13	allows	allow	VERB
ajst-20812	48	14	the	the	DET
ajst-20812	48	15	financial	financial	ADJ
ajst-20812	48	16	organisations	organisation	NOUN
ajst-20812	48	17	to	to	PART
ajst-20812	48	18	be	be	AUX
ajst-20812	48	19	able	able	ADJ
ajst-20812	48	20	to	to	PART
ajst-20812	48	21	carry	carry	VERB
ajst-20812	48	22	out	out	ADP
ajst-20812	48	23	simulations	simulation	NOUN
ajst-20812	48	24	and	and	CCONJ
ajst-20812	48	25	detailed	detailed	ADJ
ajst-20812	48	26	data	datum	NOUN
ajst-20812	48	27	analysis	analysis	NOUN
ajst-20812	48	28	,	,	PUNCT
ajst-20812	48	29	which	which	PRON
ajst-20812	48	30	in	in	ADP
ajst-20812	48	31	turn	turn	NOUN
ajst-20812	48	32	helps	help	VERB
ajst-20812	48	33	in	in	ADP
ajst-20812	48	34	making	make	VERB
ajst-20812	48	35	sure	sure	ADJ
ajst-20812	48	36	that	that	SCONJ
ajst-20812	48	37	overall	overall	ADJ
ajst-20812	48	38	analysis	analysis	NOUN
ajst-20812	48	39	and	and	CCONJ
ajst-20812	48	40	management	management	NOUN
ajst-20812	48	41	of	of	ADP
ajst-20812	48	42	risks	risk	NOUN
ajst-20812	48	43	tend	tend	VERB
ajst-20812	48	44	to	to	PART
ajst-20812	48	45	improve	improve	VERB
ajst-20812	48	46	(	(	PUNCT
ajst-20812	48	47	scott	scott	PROPN
ajst-20812	48	48	et	et	PROPN
ajst-20812	48	49	al	al	PROPN
ajst-20812	48	50	2019	2019	NUM
ajst-20812	48	51	)	)	PUNCT
ajst-20812	48	52	.	.	PUNCT
ajst-20812	49	1	barclays	barclay	NOUN
ajst-20812	49	2	group	group	NOUN
ajst-20812	49	3	for	for	ADP
ajst-20812	49	4	example	example	NOUN
ajst-20812	49	5	has	have	AUX
ajst-20812	49	6	integrated	integrate	VERB
ajst-20812	49	7	a	a	DET
ajst-20812	49	8	new	new	ADJ
ajst-20812	49	9	technological	technological	ADJ
ajst-20812	49	10	approach	approach	NOUN
ajst-20812	49	11	called	call	VERB
ajst-20812	49	12	agent	agent	NOUN
ajst-20812	49	13	based	base	VERB
ajst-20812	49	14	modelling	modelling	NOUN
ajst-20812	49	15	,	,	PUNCT
ajst-20812	49	16	wherein	wherein	SCONJ
ajst-20812	49	17	the	the	DET
ajst-20812	49	18	focus	focus	NOUN
ajst-20812	49	19	of	of	ADP
ajst-20812	49	20	the	the	DET
ajst-20812	49	21	technology	technology	NOUN
ajst-20812	49	22	remains	remain	VERB
ajst-20812	49	23	on	on	ADP
ajst-20812	49	24	evaluating	evaluate	VERB
ajst-20812	49	25	the	the	DET
ajst-20812	49	26	overall	overall	ADJ
ajst-20812	49	27	behaviour	behaviour	NOUN
ajst-20812	49	28	of	of	ADP
ajst-20812	49	29	the	the	DET
ajst-20812	49	30	given	give	VERB
ajst-20812	49	31	system	system	NOUN
ajst-20812	49	32	by	by	ADP
ajst-20812	49	33	modelling	model	VERB
ajst-20812	49	34	and	and	CCONJ
ajst-20812	49	35	analysing	analyse	VERB
ajst-20812	49	36	the	the	DET
ajst-20812	49	37	behaviour	behaviour	NOUN
ajst-20812	49	38	of	of	ADP
ajst-20812	49	39	each	each	DET
ajst-20812	49	40	individual	individual	ADJ
ajst-20812	49	41	agent	agent	NOUN
ajst-20812	49	42	within	within	ADP
ajst-20812	49	43	the	the	DET
ajst-20812	49	44	system	system	NOUN
ajst-20812	49	45	(	(	PUNCT
ajst-20812	49	46	berndt	berndt	PROPN
ajst-20812	49	47	et	et	PROPN
ajst-20812	49	48	al	al	PROPN
ajst-20812	49	49	2019	2019	NUM
ajst-20812	49	50	)	)	PUNCT
ajst-20812	49	51	.	.	PUNCT
ajst-20812	50	1	barclays	barclay	NOUN
ajst-20812	50	2	has	have	AUX
ajst-20812	50	3	even	even	ADV
ajst-20812	50	4	partnered	partner	VERB
ajst-20812	50	5	with	with	ADP
ajst-20812	50	6	a	a	DET
ajst-20812	50	7	third	third	ADJ
ajst-20812	50	8	party	party	NOUN
ajst-20812	50	9	called	call	VERB
ajst-20812	50	10	simudyne	simudyne	NOUN
ajst-20812	50	11	for	for	ADP
ajst-20812	50	12	being	be	AUX
ajst-20812	50	13	able	able	ADJ
ajst-20812	50	14	to	to	PART
ajst-20812	50	15	carry	carry	VERB
ajst-20812	50	16	out	out	ADP
ajst-20812	50	17	better	well	ADJ
ajst-20812	50	18	analysis	analysis	NOUN
ajst-20812	50	19	of	of	ADP
ajst-20812	50	20	the	the	DET
ajst-20812	50	21	underlying	underlie	VERB
ajst-20812	50	22	risks	risk	NOUN
ajst-20812	50	23	and	and	CCONJ
ajst-20812	50	24	to	to	PART
ajst-20812	50	25	integrate	integrate	VERB
ajst-20812	50	26	technologies	technology	NOUN
ajst-20812	50	27	for	for	ADP
ajst-20812	50	28	improving	improve	VERB
ajst-20812	50	29	the	the	DET
ajst-20812	50	30	overall	overall	ADJ
ajst-20812	50	31	practices	practice	NOUN
ajst-20812	50	32	of	of	ADP
ajst-20812	50	33	risk	risk	NOUN
ajst-20812	50	34	management	management	NOUN
ajst-20812	50	35	(	(	PUNCT
ajst-20812	50	36	berndt	berndt	PROPN
ajst-20812	50	37	et	et	PROPN
ajst-20812	50	38	al	al	PROPN
ajst-20812	50	39	2019	2019	NUM
ajst-20812	50	40	)	)	PUNCT
ajst-20812	50	41	.	.	PUNCT
ajst-20812	51	1	earlier	early	ADJ
ajst-20812	51	2	discussions	discussion	NOUN
ajst-20812	51	3	have	have	AUX
ajst-20812	51	4	revealed	reveal	VERB
ajst-20812	51	5	that	that	SCONJ
ajst-20812	51	6	changing	change	VERB
ajst-20812	51	7	technologies	technology	NOUN
ajst-20812	51	8	are	be	AUX
ajst-20812	51	9	resulting	result	VERB
ajst-20812	51	10	into	into	ADP
ajst-20812	51	11	risks	risk	NOUN
ajst-20812	51	12	of	of	ADP
ajst-20812	51	13	cybersecurity	cybersecurity	NOUN
ajst-20812	51	14	for	for	ADP
ajst-20812	51	15	the	the	DET
ajst-20812	51	16	financial	financial	ADJ
ajst-20812	51	17	organisations	organisation	NOUN
ajst-20812	51	18	and	and	CCONJ
ajst-20812	51	19	it	it	PRON
ajst-20812	51	20	can	can	AUX
ajst-20812	51	21	be	be	AUX
ajst-20812	51	22	hence	hence	ADV
ajst-20812	51	23	recommended	recommend	VERB
ajst-20812	51	24	that	that	SCONJ
ajst-20812	51	25	if	if	SCONJ
ajst-20812	51	26	people	people	NOUN
ajst-20812	51	27	who	who	PRON
ajst-20812	51	28	are	be	AUX
ajst-20812	51	29	responsible	responsible	ADJ
ajst-20812	51	30	for	for	ADP
ajst-20812	51	31	management	management	NOUN
ajst-20812	51	32	of	of	ADP
ajst-20812	51	33	risks	risk	NOUN
ajst-20812	51	34	,	,	PUNCT
ajst-20812	51	35	need	need	VERB
ajst-20812	51	36	to	to	PART
ajst-20812	51	37	also	also	ADV
ajst-20812	51	38	focus	focus	VERB
ajst-20812	51	39	on	on	ADP
ajst-20812	51	40	these	these	DET
ajst-20812	51	41	technologies	technology	NOUN
ajst-20812	51	42	.	.	PUNCT
ajst-20812	52	1	third	third	ADJ
ajst-20812	52	2	party	party	NOUN
ajst-20812	52	3	collaborations	collaboration	NOUN
ajst-20812	52	4	can	can	AUX
ajst-20812	52	5	further	far	ADV
ajst-20812	52	6	help	help	VERB
ajst-20812	52	7	them	they	PRON
ajst-20812	52	8	in	in	ADP
ajst-20812	52	9	improving	improve	VERB
ajst-20812	52	10	their	their	PRON
ajst-20812	52	11	technological	technological	ADJ
ajst-20812	52	12	capabilities	capability	NOUN
ajst-20812	52	13	that	that	PRON
ajst-20812	52	14	would	would	AUX
ajst-20812	52	15	result	result	VERB
ajst-20812	52	16	into	into	ADP
ajst-20812	52	17	better	well	ADJ
ajst-20812	52	18	and	and	CCONJ
ajst-20812	52	19	more	more	ADV
ajst-20812	52	20	effective	effective	ADJ
ajst-20812	52	21	management	management	NOUN
ajst-20812	52	22	of	of	ADP
ajst-20812	52	23	risks	risk	NOUN
ajst-20812	52	24	.	.	PUNCT
ajst-20812	53	1	another	another	DET
ajst-20812	53	2	recommendation	recommendation	NOUN
ajst-20812	53	3	that	that	PRON
ajst-20812	53	4	can	can	AUX
ajst-20812	53	5	be	be	AUX
ajst-20812	53	6	made	make	VERB
ajst-20812	53	7	is	be	AUX
ajst-20812	53	8	that	that	SCONJ
ajst-20812	53	9	the	the	DET
ajst-20812	53	10	people	people	NOUN
ajst-20812	53	11	responsible	responsible	ADJ
ajst-20812	53	12	for	for	ADP
ajst-20812	53	13	management	management	NOUN
ajst-20812	53	14	of	of	ADP
ajst-20812	53	15	risks	risk	NOUN
ajst-20812	53	16	need	need	VERB
ajst-20812	53	17	to	to	PART
ajst-20812	53	18	focus	focus	VERB
ajst-20812	53	19	upon	upon	SCONJ
ajst-20812	53	20	identifying	identify	VERB
ajst-20812	53	21	and	and	CCONJ
ajst-20812	53	22	managing	manage	VERB
ajst-20812	53	23	new	new	ADJ
ajst-20812	53	24	risks	risk	NOUN
ajst-20812	53	25	that	that	PRON
ajst-20812	53	26	emerge	emerge	VERB
ajst-20812	53	27	with	with	ADP
ajst-20812	53	28	respect	respect	NOUN
ajst-20812	53	29	to	to	ADP
ajst-20812	53	30	the	the	DET
ajst-20812	53	31	financial	financial	ADJ
ajst-20812	53	32	sector	sector	NOUN
ajst-20812	53	33	.	.	PUNCT
ajst-20812	54	1	the	the	DET
ajst-20812	54	2	analysis	analysis	NOUN
ajst-20812	54	3	by	by	ADP
ajst-20812	54	4	mckinsey	mckinsey	NOUN
ajst-20812	54	5	(	(	PUNCT
ajst-20812	54	6	2016	2016	NUM
ajst-20812	54	7	)	)	PUNCT
ajst-20812	54	8	establishes	establish	VERB
ajst-20812	54	9	that	that	SCONJ
ajst-20812	54	10	financial	financial	ADJ
ajst-20812	54	11	organisations	organisation	NOUN
ajst-20812	54	12	are	be	AUX
ajst-20812	54	13	facing	face	VERB
ajst-20812	54	14	new	new	ADJ
ajst-20812	54	15	risks	risk	NOUN
ajst-20812	54	16	such	such	ADJ
ajst-20812	54	17	as	as	ADP
ajst-20812	54	18	the	the	DET
ajst-20812	54	19	business	business	NOUN
ajst-20812	54	20	model	model	NOUN
ajst-20812	54	21	risk	risk	NOUN
ajst-20812	54	22	,	,	PUNCT
ajst-20812	54	23	cyber	cyber	ADJ
ajst-20812	54	24	security	security	NOUN
ajst-20812	54	25	risks	risk	NOUN
ajst-20812	54	26	and	and	CCONJ
ajst-20812	54	27	contagion	contagion	NOUN
ajst-20812	54	28	risks	risk	NOUN
ajst-20812	54	29	.	.	PUNCT
ajst-20812	55	1	asia	asia	PROPN
ajst-20812	55	2	-	-	PUNCT
ajst-20812	55	3	pacific	pacific	PROPN
ajst-20812	55	4	bank	bank	PROPN
ajst-20812	55	5	for	for	ADP
ajst-20812	55	6	example	example	NOUN
ajst-20812	55	7	applied	apply	VERB
ajst-20812	55	8	incorrect	incorrect	ADJ
ajst-20812	55	9	assumptions	assumption	NOUN
ajst-20812	55	10	while	while	SCONJ
ajst-20812	55	11	making	make	VERB
ajst-20812	55	12	use	use	NOUN
ajst-20812	55	13	of	of	ADP
ajst-20812	55	14	the	the	DET
ajst-20812	55	15	interest	interest	NOUN
ajst-20812	55	16	-	-	PUNCT
ajst-20812	55	17	rate	rate	NOUN
ajst-20812	55	18	models	model	NOUN
ajst-20812	55	19	,	,	PUNCT
ajst-20812	55	20	which	which	PRON
ajst-20812	55	21	resulted	result	VERB
ajst-20812	55	22	into	into	ADP
ajst-20812	55	23	a	a	DET
ajst-20812	55	24	total	total	ADJ
ajst-20812	55	25	loss	loss	NOUN
ajst-20812	55	26	of	of	ADP
ajst-20812	55	27	around	around	ADV
ajst-20812	55	28	$	$	SYM
ajst-20812	55	29	4	4	NUM
ajst-20812	55	30	billion	billion	NUM
ajst-20812	55	31	(	(	PUNCT
ajst-20812	55	32	mckinsey	mckinsey	NOUN
ajst-20812	55	33	,	,	PUNCT
ajst-20812	55	34	2016	2016	NUM
ajst-20812	55	35	)	)	PUNCT
ajst-20812	55	36	.	.	PUNCT
ajst-20812	56	1	it	it	PRON
ajst-20812	56	2	is	be	AUX
ajst-20812	56	3	thus	thus	ADV
ajst-20812	56	4	necessary	necessary	ADJ
ajst-20812	56	5	for	for	SCONJ
ajst-20812	56	6	the	the	DET
ajst-20812	56	7	financial	financial	ADJ
ajst-20812	56	8	organisations	organisation	NOUN
ajst-20812	56	9	to	to	PART
ajst-20812	56	10	focus	focus	VERB
ajst-20812	56	11	upon	upon	SCONJ
ajst-20812	56	12	constantly	constantly	ADV
ajst-20812	56	13	identifying	identify	VERB
ajst-20812	56	14	new	new	ADJ
ajst-20812	56	15	risks	risk	NOUN
ajst-20812	56	16	that	that	PRON
ajst-20812	56	17	can	can	AUX
ajst-20812	56	18	emerge	emerge	VERB
ajst-20812	56	19	in	in	ADP
ajst-20812	56	20	the	the	DET
ajst-20812	56	21	business	business	NOUN
ajst-20812	56	22	.	.	PUNCT
ajst-20812	57	1	earlier	early	ADJ
ajst-20812	57	2	discussions	discussion	NOUN
ajst-20812	57	3	have	have	AUX
ajst-20812	57	4	revealed	reveal	VERB
ajst-20812	57	5	that	that	SCONJ
ajst-20812	57	6	the	the	DET
ajst-20812	57	7	sector	sector	NOUN
ajst-20812	57	8	is	be	AUX
ajst-20812	57	9	changing	change	VERB
ajst-20812	57	10	wherein	wherein	SCONJ
ajst-20812	57	11	there	there	PRON
ajst-20812	57	12	has	have	AUX
ajst-20812	57	13	been	be	AUX
ajst-20812	57	14	a	a	DET
ajst-20812	57	15	growth	growth	NOUN
ajst-20812	57	16	of	of	ADP
ajst-20812	57	17	fintech	fintech	NOUN
ajst-20812	57	18	firms	firm	NOUN
ajst-20812	57	19	and	and	CCONJ
ajst-20812	57	20	also	also	ADV
ajst-20812	57	21	international	international	ADJ
ajst-20812	57	22	transactions	transaction	NOUN
ajst-20812	57	23	are	be	AUX
ajst-20812	57	24	increasing	increase	VERB
ajst-20812	57	25	(	(	PUNCT
ajst-20812	57	26	karol	karol	NOUN
ajst-20812	57	27	and	and	CCONJ
ajst-20812	57	28	poltorak	poltorak	PROPN
ajst-20812	57	29	,	,	PUNCT
ajst-20812	57	30	2018	2018	NUM
ajst-20812	57	31	)	)	PUNCT
ajst-20812	57	32	.	.	PUNCT
ajst-20812	58	1	thus	thus	ADV
ajst-20812	58	2	,	,	PUNCT
ajst-20812	58	3	as	as	SCONJ
ajst-20812	58	4	these	these	DET
ajst-20812	58	5	changes	change	NOUN
ajst-20812	58	6	take	take	VERB
ajst-20812	58	7	place	place	NOUN
ajst-20812	58	8	,	,	PUNCT
ajst-20812	58	9	it	it	PRON
ajst-20812	58	10	is	be	AUX
ajst-20812	58	11	essential	essential	ADJ
ajst-20812	58	12	for	for	SCONJ
ajst-20812	58	13	the	the	DET
ajst-20812	58	14	firms	firm	NOUN
ajst-20812	58	15	to	to	PART
ajst-20812	58	16	be	be	AUX
ajst-20812	58	17	able	able	ADJ
ajst-20812	58	18	to	to	PART
ajst-20812	58	19	identify	identify	VERB
ajst-20812	58	20	and	and	CCONJ
ajst-20812	58	21	manage	manage	VERB
ajst-20812	58	22	all	all	DET
ajst-20812	58	23	the	the	DET
ajst-20812	58	24	risks	risk	NOUN
ajst-20812	58	25	.	.	PUNCT
ajst-20812	59	1	the	the	DET
ajst-20812	59	2	people	people	NOUN
ajst-20812	59	3	responsible	responsible	ADJ
ajst-20812	59	4	for	for	ADP
ajst-20812	59	5	risk	risk	NOUN
ajst-20812	59	6	management	management	NOUN
ajst-20812	59	7	thus	thus	ADV
ajst-20812	59	8	need	need	VERB
ajst-20812	59	9	to	to	PART
ajst-20812	59	10	make	make	VERB
ajst-20812	59	11	sure	sure	ADJ
ajst-20812	59	12	that	that	SCONJ
ajst-20812	59	13	they	they	PRON
ajst-20812	59	14	constantly	constantly	ADV
ajst-20812	59	15	carry	carry	VERB
ajst-20812	59	16	out	out	ADP
ajst-20812	59	17	research	research	NOUN
ajst-20812	59	18	to	to	PART
ajst-20812	59	19	identify	identify	VERB
ajst-20812	59	20	potential	potential	ADJ
ajst-20812	59	21	new	new	ADJ
ajst-20812	59	22	risks	risk	NOUN
ajst-20812	59	23	to	to	PART
ajst-20812	59	24	be	be	AUX
ajst-20812	59	25	able	able	ADJ
ajst-20812	59	26	to	to	PART
ajst-20812	59	27	effectively	effectively	ADV
ajst-20812	59	28	adopt	adopt	VERB
ajst-20812	59	29	risk	risk	NOUN
ajst-20812	59	30	management	management	NOUN
ajst-20812	59	31	practices	practice	NOUN
ajst-20812	59	32	(	(	PUNCT
ajst-20812	59	33	karol	karol	NOUN
ajst-20812	59	34	and	and	CCONJ
ajst-20812	59	35	poltorak	poltorak	PROPN
ajst-20812	59	36	,	,	PUNCT
ajst-20812	59	37	2018	2018	NUM
ajst-20812	59	38	)	)	PUNCT
ajst-20812	59	39	.	.	PUNCT
ajst-20812	60	1	one	one	NUM
ajst-20812	60	2	of	of	ADP
ajst-20812	60	3	the	the	DET
ajst-20812	60	4	challenges	challenge	NOUN
ajst-20812	60	5	identified	identify	VERB
ajst-20812	60	6	above	above	ADV
ajst-20812	60	7	is	be	AUX
ajst-20812	60	8	the	the	DET
ajst-20812	60	9	increasing	increase	VERB
ajst-20812	60	10	costs	cost	NOUN
ajst-20812	60	11	associated	associate	VERB
ajst-20812	60	12	with	with	ADP
ajst-20812	60	13	the	the	DET
ajst-20812	60	14	process	process	NOUN
ajst-20812	60	15	of	of	ADP
ajst-20812	60	16	risk	risk	NOUN
ajst-20812	60	17	management	management	NOUN
ajst-20812	60	18	.	.	PUNCT
ajst-20812	61	1	while	while	SCONJ
ajst-20812	61	2	organisations	organisation	NOUN
ajst-20812	61	3	in	in	ADP
ajst-20812	61	4	the	the	DET
ajst-20812	61	5	financial	financial	ADJ
ajst-20812	61	6	sector	sector	NOUN
ajst-20812	61	7	are	be	AUX
ajst-20812	61	8	trying	try	VERB
ajst-20812	61	9	to	to	PART
ajst-20812	61	10	minimise	minimise	VERB
ajst-20812	61	11	their	their	PRON
ajst-20812	61	12	operational	operational	ADJ
ajst-20812	61	13	costs	cost	NOUN
ajst-20812	61	14	for	for	ADP
ajst-20812	61	15	higher	high	ADJ
ajst-20812	61	16	cost	cost	NOUN
ajst-20812	61	17	cutting	cutting	NOUN
ajst-20812	61	18	that	that	PRON
ajst-20812	61	19	would	would	AUX
ajst-20812	61	20	reflect	reflect	VERB
ajst-20812	61	21	on	on	ADP
ajst-20812	61	22	cost	cost	NOUN
ajst-20812	61	23	cutting	cutting	NOUN
ajst-20812	61	24	activities	activity	NOUN
ajst-20812	61	25	related	relate	VERB
ajst-20812	61	26	to	to	ADP
ajst-20812	61	27	the	the	DET
ajst-20812	61	28	risk	risk	NOUN
ajst-20812	61	29	management	management	NOUN
ajst-20812	61	30	practices	practice	NOUN
ajst-20812	61	31	as	as	ADV
ajst-20812	61	32	well	well	ADV
ajst-20812	61	33	,	,	PUNCT
ajst-20812	61	34	they	they	PRON
ajst-20812	61	35	can	can	AUX
ajst-20812	61	36	be	be	AUX
ajst-20812	61	37	recommended	recommend	VERB
ajst-20812	61	38	to	to	PART
ajst-20812	61	39	focus	focus	VERB
ajst-20812	61	40	on	on	ADP
ajst-20812	61	41	increasing	increase	VERB
ajst-20812	61	42	automated	automate	VERB
ajst-20812	61	43	control	control	NOUN
ajst-20812	61	44	of	of	ADP
ajst-20812	61	45	the	the	DET
ajst-20812	61	46	adopted	adopt	VERB
ajst-20812	61	47	practices	practice	NOUN
ajst-20812	61	48	(	(	PUNCT
ajst-20812	61	49	kou	kou	PROPN
ajst-20812	61	50	et	et	NOUN
ajst-20812	61	51	al	al	PROPN
ajst-20812	61	52	2019	2019	NUM
ajst-20812	61	53	)	)	PUNCT
ajst-20812	61	54	.	.	PUNCT
ajst-20812	62	1	automated	automate	VERB
ajst-20812	62	2	control	control	NOUN
ajst-20812	62	3	in	in	ADP
ajst-20812	62	4	the	the	DET
ajst-20812	62	5	process	process	NOUN
ajst-20812	62	6	194	194	NUM
ajst-20812	62	7	of	of	ADP
ajst-20812	62	8	risk	risk	NOUN
ajst-20812	62	9	management	management	NOUN
ajst-20812	62	10	is	be	AUX
ajst-20812	62	11	also	also	ADV
ajst-20812	62	12	said	say	VERB
ajst-20812	62	13	to	to	PART
ajst-20812	62	14	be	be	AUX
ajst-20812	62	15	advantageous	advantageous	ADJ
ajst-20812	62	16	because	because	SCONJ
ajst-20812	62	17	it	it	PRON
ajst-20812	62	18	helps	help	VERB
ajst-20812	62	19	in	in	ADP
ajst-20812	62	20	reducing	reduce	VERB
ajst-20812	62	21	human	human	ADJ
ajst-20812	62	22	intervention	intervention	NOUN
ajst-20812	62	23	,	,	PUNCT
ajst-20812	62	24	which	which	PRON
ajst-20812	62	25	reduces	reduce	VERB
ajst-20812	62	26	and	and	CCONJ
ajst-20812	62	27	minimises	minimise	NOUN
ajst-20812	62	28	overall	overall	ADJ
ajst-20812	62	29	errors	error	NOUN
ajst-20812	62	30	that	that	PRON
ajst-20812	62	31	can	can	AUX
ajst-20812	62	32	emerge	emerge	VERB
ajst-20812	62	33	and	and	CCONJ
ajst-20812	62	34	occur	occur	VERB
ajst-20812	62	35	in	in	ADP
ajst-20812	62	36	the	the	DET
ajst-20812	62	37	process	process	NOUN
ajst-20812	62	38	.	.	PUNCT
ajst-20812	63	1	according	accord	VERB
ajst-20812	63	2	to	to	ADP
ajst-20812	63	3	the	the	DET
ajst-20812	63	4	analyses	analysis	NOUN
ajst-20812	63	5	by	by	ADP
ajst-20812	63	6	wns	wns	X
ajst-20812	63	7	(	(	PUNCT
ajst-20812	63	8	2019	2019	NUM
ajst-20812	63	9	)	)	PUNCT
ajst-20812	63	10	,	,	PUNCT
ajst-20812	63	11	banks	bank	NOUN
ajst-20812	63	12	and	and	CCONJ
ajst-20812	63	13	financial	financial	ADJ
ajst-20812	63	14	institutions	institution	NOUN
ajst-20812	63	15	almost	almost	ADV
ajst-20812	63	16	lose	lose	VERB
ajst-20812	63	17	around	around	ADV
ajst-20812	63	18	$	$	SYM
ajst-20812	63	19	15	15	NUM
ajst-20812	63	20	billion	billion	NUM
ajst-20812	63	21	on	on	ADP
ajst-20812	63	22	an	an	DET
ajst-20812	63	23	annual	annual	ADJ
ajst-20812	63	24	basis	basis	NOUN
ajst-20812	63	25	due	due	ADP
ajst-20812	63	26	to	to	ADP
ajst-20812	63	27	fraud	fraud	VERB
ajst-20812	63	28	and	and	CCONJ
ajst-20812	63	29	hence	hence	ADV
ajst-20812	63	30	these	these	DET
ajst-20812	63	31	organisations	organisation	NOUN
ajst-20812	63	32	can	can	AUX
ajst-20812	63	33	integrate	integrate	VERB
ajst-20812	63	34	almost	almost	ADV
ajst-20812	63	35	over	over	ADP
ajst-20812	63	36	500	500	NUM
ajst-20812	63	37	controls	control	NOUN
ajst-20812	63	38	to	to	PART
ajst-20812	63	39	be	be	AUX
ajst-20812	63	40	able	able	ADJ
ajst-20812	63	41	to	to	PART
ajst-20812	63	42	manage	manage	VERB
ajst-20812	63	43	the	the	DET
ajst-20812	63	44	risks	risk	NOUN
ajst-20812	63	45	efficiently	efficiently	ADV
ajst-20812	63	46	.	.	PUNCT
ajst-20812	64	1	royal	royal	PROPN
ajst-20812	64	2	bank	bank	PROPN
ajst-20812	64	3	of	of	ADP
ajst-20812	64	4	scotland	scotland	PROPN
ajst-20812	64	5	in	in	ADP
ajst-20812	64	6	addition	addition	NOUN
ajst-20812	64	7	to	to	ADP
ajst-20812	64	8	these	these	DET
ajst-20812	64	9	automated	automate	VERB
ajst-20812	64	10	controls	control	NOUN
ajst-20812	64	11	,	,	PUNCT
ajst-20812	64	12	has	have	AUX
ajst-20812	64	13	also	also	ADV
ajst-20812	64	14	focused	focus	VERB
ajst-20812	64	15	on	on	ADP
ajst-20812	64	16	developing	develop	VERB
ajst-20812	64	17	an	an	DET
ajst-20812	64	18	internal	internal	ADJ
ajst-20812	64	19	culture	culture	NOUN
ajst-20812	64	20	of	of	ADP
ajst-20812	64	21	managing	manage	VERB
ajst-20812	64	22	risks	risk	NOUN
ajst-20812	64	23	.	.	PUNCT
ajst-20812	65	1	the	the	DET
ajst-20812	65	2	culture	culture	NOUN
ajst-20812	65	3	focuses	focus	VERB
ajst-20812	65	4	on	on	ADP
ajst-20812	65	5	implementation	implementation	NOUN
ajst-20812	65	6	of	of	ADP
ajst-20812	65	7	controls	control	NOUN
ajst-20812	65	8	along	along	ADP
ajst-20812	65	9	with	with	ADP
ajst-20812	65	10	well	well	ADV
ajst-20812	65	11	defined	define	VERB
ajst-20812	65	12	,	,	PUNCT
ajst-20812	65	13	standard	standard	ADJ
ajst-20812	65	14	processes	process	NOUN
ajst-20812	65	15	for	for	ADP
ajst-20812	65	16	managing	manage	VERB
ajst-20812	65	17	risks	risk	NOUN
ajst-20812	65	18	.	.	PUNCT
ajst-20812	66	1	teams	team	NOUN
ajst-20812	66	2	within	within	ADP
ajst-20812	66	3	the	the	DET
ajst-20812	66	4	bank	bank	NOUN
ajst-20812	66	5	are	be	AUX
ajst-20812	66	6	given	give	VERB
ajst-20812	66	7	responsibilities	responsibility	NOUN
ajst-20812	66	8	and	and	CCONJ
ajst-20812	66	9	a	a	DET
ajst-20812	66	10	framework	framework	NOUN
ajst-20812	66	11	to	to	PART
ajst-20812	66	12	follow	follow	VERB
ajst-20812	66	13	to	to	PART
ajst-20812	66	14	make	make	VERB
ajst-20812	66	15	sure	sure	ADJ
ajst-20812	66	16	that	that	SCONJ
ajst-20812	66	17	all	all	DET
ajst-20812	66	18	the	the	DET
ajst-20812	66	19	involved	involved	ADJ
ajst-20812	66	20	people	people	NOUN
ajst-20812	66	21	are	be	AUX
ajst-20812	66	22	able	able	ADJ
ajst-20812	66	23	to	to	PART
ajst-20812	66	24	adopt	adopt	VERB
ajst-20812	66	25	suitable	suitable	ADJ
ajst-20812	66	26	practices	practice	NOUN
ajst-20812	66	27	.	.	PUNCT
ajst-20812	67	1	thus	thus	ADV
ajst-20812	67	2	,	,	PUNCT
ajst-20812	67	3	people	people	NOUN
ajst-20812	67	4	managing	manage	VERB
ajst-20812	67	5	risks	risk	NOUN
ajst-20812	67	6	in	in	ADP
ajst-20812	67	7	financial	financial	ADJ
ajst-20812	67	8	organisations	organisation	NOUN
ajst-20812	67	9	can	can	AUX
ajst-20812	67	10	focus	focus	VERB
ajst-20812	67	11	on	on	ADP
ajst-20812	67	12	adopting	adopt	VERB
ajst-20812	67	13	these	these	DET
ajst-20812	67	14	controls	control	NOUN
ajst-20812	67	15	along	along	ADP
ajst-20812	67	16	with	with	ADP
ajst-20812	67	17	creating	create	VERB
ajst-20812	67	18	a	a	DET
ajst-20812	67	19	suitable	suitable	ADJ
ajst-20812	67	20	culture	culture	NOUN
ajst-20812	67	21	for	for	ADP
ajst-20812	67	22	better	well	ADJ
ajst-20812	67	23	outcomes	outcome	NOUN
ajst-20812	67	24	.	.	PUNCT
ajst-20812	68	1	4	4	X
ajst-20812	68	2	.	.	X
ajst-20812	68	3	conclusion	conclusion	NOUN
ajst-20812	68	4	the	the	DET
ajst-20812	68	5	essay	essay	NOUN
ajst-20812	68	6	has	have	AUX
ajst-20812	68	7	thus	thus	ADV
ajst-20812	68	8	established	establish	VERB
ajst-20812	68	9	that	that	SCONJ
ajst-20812	68	10	people	people	NOUN
ajst-20812	68	11	who	who	PRON
ajst-20812	68	12	are	be	AUX
ajst-20812	68	13	responsible	responsible	ADJ
ajst-20812	68	14	for	for	ADP
ajst-20812	68	15	managing	manage	VERB
ajst-20812	68	16	risks	risk	NOUN
ajst-20812	68	17	in	in	ADP
ajst-20812	68	18	financial	financial	ADJ
ajst-20812	68	19	organisations	organisation	NOUN
ajst-20812	68	20	do	do	AUX
ajst-20812	68	21	face	face	VERB
ajst-20812	68	22	a	a	DET
ajst-20812	68	23	large	large	ADJ
ajst-20812	68	24	number	number	NOUN
ajst-20812	68	25	of	of	ADP
ajst-20812	68	26	challenges	challenge	NOUN
ajst-20812	68	27	.	.	PUNCT
ajst-20812	69	1	the	the	DET
ajst-20812	69	2	challenges	challenge	NOUN
ajst-20812	69	3	that	that	PRON
ajst-20812	69	4	are	be	AUX
ajst-20812	69	5	seen	see	VERB
ajst-20812	69	6	in	in	ADP
ajst-20812	69	7	these	these	DET
ajst-20812	69	8	organisations	organisation	NOUN
ajst-20812	69	9	are	be	AUX
ajst-20812	69	10	in	in	ADP
ajst-20812	69	11	fact	fact	NOUN
ajst-20812	69	12	increasing	increase	VERB
ajst-20812	69	13	because	because	SCONJ
ajst-20812	69	14	of	of	ADP
ajst-20812	69	15	growth	growth	NOUN
ajst-20812	69	16	and	and	CCONJ
ajst-20812	69	17	adoption	adoption	NOUN
ajst-20812	69	18	of	of	ADP
ajst-20812	69	19	new	new	ADJ
ajst-20812	69	20	technologies	technology	NOUN
ajst-20812	69	21	,	,	PUNCT
ajst-20812	69	22	increasing	increase	VERB
ajst-20812	69	23	regulations	regulation	NOUN
ajst-20812	69	24	and	and	CCONJ
ajst-20812	69	25	also	also	ADV
ajst-20812	69	26	international	international	ADJ
ajst-20812	69	27	transactions	transaction	NOUN
ajst-20812	69	28	.	.	PUNCT
ajst-20812	70	1	it	it	PRON
ajst-20812	70	2	has	have	AUX
ajst-20812	70	3	been	be	AUX
ajst-20812	70	4	thus	thus	ADV
ajst-20812	70	5	recommended	recommend	VERB
ajst-20812	70	6	that	that	SCONJ
ajst-20812	70	7	people	people	NOUN
ajst-20812	70	8	responsible	responsible	ADJ
ajst-20812	70	9	for	for	ADP
ajst-20812	70	10	managing	manage	VERB
ajst-20812	70	11	risks	risk	NOUN
ajst-20812	70	12	in	in	ADP
ajst-20812	70	13	financial	financial	ADJ
ajst-20812	70	14	organisations	organisation	NOUN
ajst-20812	70	15	need	need	VERB
ajst-20812	70	16	to	to	PART
ajst-20812	70	17	integrate	integrate	VERB
ajst-20812	70	18	new	new	ADJ
ajst-20812	70	19	technologies	technology	NOUN
ajst-20812	70	20	,	,	PUNCT
ajst-20812	70	21	automated	automate	VERB
ajst-20812	70	22	controls	control	NOUN
ajst-20812	70	23	and	and	CCONJ
ajst-20812	70	24	standardised	standardised	ADJ
ajst-20812	70	25	practices	practice	NOUN
ajst-20812	70	26	for	for	ADP
ajst-20812	70	27	making	make	VERB
ajst-20812	70	28	sure	sure	ADJ
ajst-20812	70	29	that	that	SCONJ
ajst-20812	70	30	risks	risk	NOUN
ajst-20812	70	31	are	be	AUX
ajst-20812	70	32	managed	manage	VERB
ajst-20812	70	33	efficiently	efficiently	ADV
ajst-20812	70	34	.	.	PUNCT
ajst-20812	71	1	references	reference	NOUN
ajst-20812	71	2	[	[	X
ajst-20812	71	3	1	1	NUM
ajst-20812	71	4	]	]	X
ajst-20812	71	5	adams	adams	PROPN
ajst-20812	71	6	,	,	PUNCT
ajst-20812	71	7	z.	z.	PROPN
ajst-20812	71	8	,	,	PUNCT
ajst-20812	71	9	füss	füss	PROPN
ajst-20812	71	10	,	,	PUNCT
ajst-20812	71	11	r.	r.	PROPN
ajst-20812	71	12	,	,	PUNCT
ajst-20812	71	13	&	&	CCONJ
ajst-20812	71	14	gropp	gropp	PROPN
ajst-20812	71	15	,	,	PUNCT
ajst-20812	71	16	r.	r.	PROPN
ajst-20812	71	17	(	(	PUNCT
ajst-20812	71	18	2014	2014	NUM
ajst-20812	71	19	)	)	PUNCT
ajst-20812	71	20	.	.	PUNCT
ajst-20812	72	1	spillover	spillover	VERB
ajst-20812	72	2	effects	effect	NOUN
ajst-20812	72	3	among	among	ADP
ajst-20812	72	4	financial	financial	ADJ
ajst-20812	72	5	institutions	institution	NOUN
ajst-20812	72	6	:	:	PUNCT
ajst-20812	72	7	a	a	DET
ajst-20812	72	8	state	state	NOUN
ajst-20812	72	9	-	-	PUNCT
ajst-20812	72	10	dependent	dependent	ADJ
ajst-20812	72	11	sensitivity	sensitivity	NOUN
ajst-20812	72	12	value	value	NOUN
ajst-20812	72	13	-	-	PUNCT
ajst-20812	72	14	at	at	ADP
ajst-20812	72	15	-	-	PUNCT
ajst-20812	72	16	risk	risk	NOUN
ajst-20812	72	17	approach	approach	NOUN
ajst-20812	72	18	.	.	PUNCT
ajst-20812	73	1	journal	journal	NOUN
ajst-20812	73	2	of	of	ADP
ajst-20812	73	3	financial	financial	ADJ
ajst-20812	73	4	and	and	CCONJ
ajst-20812	73	5	quantitative	quantitative	ADJ
ajst-20812	73	6	analysis	analysis	NOUN
ajst-20812	73	7	,	,	PUNCT
ajst-20812	73	8	49(3	49(3	PROPN
ajst-20812	73	9	)	)	PUNCT
ajst-20812	73	10	,	,	PUNCT
ajst-20812	73	11	575	575	NUM
ajst-20812	73	12	-	-	SYM
ajst-20812	73	13	598	598	NUM
ajst-20812	73	14	.	.	PUNCT
ajst-20812	74	1	[	[	X
ajst-20812	74	2	2	2	NUM
ajst-20812	74	3	]	]	PUNCT
ajst-20812	74	4	berndt	berndt	PROPN
ajst-20812	74	5	,	,	PUNCT
ajst-20812	74	6	d.	d.	PROPN
ajst-20812	74	7	j.	j.	PROPN
ajst-20812	74	8	,	,	PUNCT
ajst-20812	74	9	boogers	booger	NOUN
ajst-20812	74	10	,	,	PUNCT
ajst-20812	74	11	d.	d.	PROPN
ajst-20812	74	12	,	,	PUNCT
ajst-20812	74	13	chakraborty	chakraborty	PROPN
ajst-20812	74	14	,	,	PUNCT
ajst-20812	74	15	s.	s.	PROPN
ajst-20812	74	16	,	,	PUNCT
ajst-20812	74	17	&	&	CCONJ
ajst-20812	74	18	mccart	mccart	PROPN
ajst-20812	74	19	,	,	PUNCT
ajst-20812	74	20	j.	j.	PROPN
ajst-20812	74	21	(	(	PUNCT
ajst-20812	74	22	2019	2019	NUM
ajst-20812	74	23	)	)	PUNCT
ajst-20812	74	24	.	.	PUNCT
ajst-20812	75	1	using	use	VERB
ajst-20812	75	2	agent	agent	NOUN
ajst-20812	75	3	-	-	PUNCT
ajst-20812	75	4	based	base	VERB
ajst-20812	75	5	modeling	modeling	NOUN
ajst-20812	75	6	to	to	PART
ajst-20812	75	7	assess	assess	VERB
ajst-20812	75	8	liquidity	liquidity	NOUN
ajst-20812	75	9	mismatch	mismatch	NOUN
ajst-20812	75	10	in	in	ADP
ajst-20812	75	11	open	open	ADJ
ajst-20812	75	12	-	-	PUNCT
ajst-20812	75	13	end	end	NOUN
ajst-20812	75	14	bond	bond	NOUN
ajst-20812	75	15	funds	fund	NOUN
ajst-20812	75	16	.	.	PUNCT
ajst-20812	76	1	in	in	ADP
ajst-20812	76	2	summer	summer	NOUN
ajst-20812	76	3	of	of	ADP
ajst-20812	76	4	simulation	simulation	NOUN
ajst-20812	76	5	(	(	PUNCT
ajst-20812	76	6	pp	pp	ADJ
ajst-20812	76	7	.	.	PUNCT
ajst-20812	77	1	219	219	NUM
ajst-20812	77	2	-	-	SYM
ajst-20812	77	3	245	245	NUM
ajst-20812	77	4	)	)	PUNCT
ajst-20812	77	5	.	.	PUNCT
ajst-20812	78	1	springer	springer	NOUN
ajst-20812	78	2	,	,	PUNCT
ajst-20812	78	3	cham	cham	PROPN
ajst-20812	78	4	.	.	PUNCT
ajst-20812	79	1	[	[	X
ajst-20812	79	2	3	3	X
ajst-20812	79	3	]	]	PUNCT
ajst-20812	79	4	berry‐stölzle	berry‐stölzle	ADV
ajst-20812	79	5	,	,	PUNCT
ajst-20812	79	6	t.	t.	PROPN
ajst-20812	79	7	r.	r.	PROPN
ajst-20812	79	8	,	,	PUNCT
ajst-20812	79	9	&	&	CCONJ
ajst-20812	79	10	xu	xu	PROPN
ajst-20812	79	11	,	,	PUNCT
ajst-20812	79	12	j.	j.	PROPN
ajst-20812	79	13	(	(	PUNCT
ajst-20812	79	14	2018	2018	NUM
ajst-20812	79	15	)	)	PUNCT
ajst-20812	79	16	.	.	PUNCT
ajst-20812	80	1	enterprise	enterprise	NOUN
ajst-20812	80	2	risk	risk	NOUN
ajst-20812	80	3	management	management	NOUN
ajst-20812	80	4	and	and	CCONJ
ajst-20812	80	5	the	the	DET
ajst-20812	80	6	cost	cost	NOUN
ajst-20812	80	7	of	of	ADP
ajst-20812	80	8	capital	capital	NOUN
ajst-20812	80	9	.	.	PUNCT
ajst-20812	81	1	journal	journal	PROPN
ajst-20812	81	2	of	of	ADP
ajst-20812	81	3	risk	risk	NOUN
ajst-20812	81	4	and	and	CCONJ
ajst-20812	81	5	insurance	insurance	NOUN
ajst-20812	81	6	,	,	PUNCT
ajst-20812	81	7	85(1	85(1	NOUN
ajst-20812	81	8	)	)	PUNCT
ajst-20812	81	9	,	,	PUNCT
ajst-20812	81	10	159	159	NUM
ajst-20812	81	11	-	-	SYM
ajst-20812	81	12	201	201	NUM
ajst-20812	81	13	.	.	PUNCT
ajst-20812	82	1	[	[	X
ajst-20812	82	2	4	4	NUM
ajst-20812	82	3	]	]	X
ajst-20812	82	4	cheng	cheng	PROPN
ajst-20812	82	5	,	,	PUNCT
ajst-20812	82	6	i.	i.	PROPN
ajst-20812	82	7	h.	h.	PROPN
ajst-20812	82	8	,	,	PUNCT
ajst-20812	82	9	hong	hong	PROPN
ajst-20812	82	10	,	,	PUNCT
ajst-20812	82	11	h.	h.	PROPN
ajst-20812	82	12	,	,	PUNCT
ajst-20812	82	13	&	&	CCONJ
ajst-20812	82	14	scheinkman	scheinkman	PROPN
ajst-20812	82	15	,	,	PUNCT
ajst-20812	82	16	j.	j.	PROPN
ajst-20812	82	17	a.	a.	PROPN
ajst-20812	82	18	(	(	PUNCT
ajst-20812	82	19	2015	2015	NUM
ajst-20812	82	20	)	)	PUNCT
ajst-20812	82	21	.	.	PUNCT
ajst-20812	83	1	yesterday	yesterday	NOUN
ajst-20812	83	2	's	's	PART
ajst-20812	83	3	heroes	hero	NOUN
ajst-20812	83	4	:	:	PUNCT
ajst-20812	83	5	compensation	compensation	NOUN
ajst-20812	83	6	and	and	CCONJ
ajst-20812	83	7	risk	risk	NOUN
ajst-20812	83	8	at	at	ADP
ajst-20812	83	9	financial	financial	ADJ
ajst-20812	83	10	firms	firm	NOUN
ajst-20812	83	11	.	.	PUNCT
ajst-20812	84	1	the	the	DET
ajst-20812	84	2	journal	journal	PROPN
ajst-20812	84	3	of	of	ADP
ajst-20812	84	4	finance	finance	NOUN
ajst-20812	84	5	,	,	PUNCT
ajst-20812	84	6	70(2	70(2	PROPN
ajst-20812	84	7	)	)	PUNCT
ajst-20812	84	8	,	,	PUNCT
ajst-20812	84	9	839	839	NUM
ajst-20812	84	10	-	-	NUM
ajst-20812	84	11	879	879	NUM
ajst-20812	84	12	.	.	PUNCT
ajst-20812	85	1	[	[	X
ajst-20812	85	2	5	5	NUM
ajst-20812	85	3	]	]	PUNCT
ajst-20812	85	4	fadun	fadun	VERB
ajst-20812	85	5	,	,	PUNCT
ajst-20812	85	6	o.	o.	PROPN
ajst-20812	85	7	s.	s.	PROPN
ajst-20812	85	8	(	(	PUNCT
ajst-20812	85	9	2013	2013	NUM
ajst-20812	85	10	)	)	PUNCT
ajst-20812	85	11	.	.	PUNCT
ajst-20812	86	1	risk	risk	NOUN
ajst-20812	86	2	management	management	NOUN
ajst-20812	86	3	and	and	CCONJ
ajst-20812	86	4	risk	risk	NOUN
ajst-20812	86	5	management	management	NOUN
ajst-20812	86	6	failure	failure	NOUN
ajst-20812	86	7	:	:	PUNCT
ajst-20812	86	8	lessons	lesson	NOUN
ajst-20812	86	9	for	for	ADP
ajst-20812	86	10	business	business	NOUN
ajst-20812	86	11	enterprises	enterprise	NOUN
ajst-20812	86	12	.	.	PUNCT
ajst-20812	87	1	international	international	ADJ
ajst-20812	87	2	journal	journal	PROPN
ajst-20812	87	3	of	of	ADP
ajst-20812	87	4	academic	academic	ADJ
ajst-20812	87	5	research	research	NOUN
ajst-20812	87	6	in	in	ADP
ajst-20812	87	7	business	business	NOUN
ajst-20812	87	8	and	and	CCONJ
ajst-20812	87	9	social	social	ADJ
ajst-20812	87	10	sciences	science	NOUN
ajst-20812	87	11	,	,	PUNCT
ajst-20812	87	12	3(2	3(2	NUM
ajst-20812	87	13	)	)	PUNCT
ajst-20812	87	14	,	,	PUNCT
ajst-20812	87	15	225	225	NUM
ajst-20812	87	16	.	.	PUNCT
ajst-20812	88	1	[	[	X
ajst-20812	88	2	6	6	NUM
ajst-20812	88	3	]	]	X
ajst-20812	88	4	giudici	giudici	NOUN
ajst-20812	88	5	,	,	PUNCT
ajst-20812	88	6	p.	p.	NOUN
ajst-20812	88	7	(	(	PUNCT
ajst-20812	88	8	2018	2018	NUM
ajst-20812	88	9	)	)	PUNCT
ajst-20812	88	10	.	.	PUNCT
ajst-20812	89	1	fintech	fintech	NOUN
ajst-20812	89	2	risk	risk	NOUN
ajst-20812	89	3	management	management	NOUN
ajst-20812	89	4	:	:	PUNCT
ajst-20812	89	5	a	a	DET
ajst-20812	89	6	research	research	NOUN
ajst-20812	89	7	challenge	challenge	NOUN
ajst-20812	89	8	for	for	ADP
ajst-20812	89	9	artificial	artificial	ADJ
ajst-20812	89	10	intelligence	intelligence	NOUN
ajst-20812	89	11	in	in	ADP
ajst-20812	89	12	finance	finance	NOUN
ajst-20812	89	13	.	.	PUNCT
ajst-20812	90	1	frontiers	frontier	NOUN
ajst-20812	90	2	in	in	ADP
ajst-20812	90	3	artificial	artificial	ADJ
ajst-20812	90	4	intelligence	intelligence	NOUN
ajst-20812	90	5	,	,	PUNCT
ajst-20812	90	6	1(1	1(1	NUM
ajst-20812	90	7	)	)	PUNCT
ajst-20812	90	8	,	,	PUNCT
ajst-20812	90	9	1	1	NUM
ajst-20812	90	10	-	-	SYM
ajst-20812	90	11	6	6	NUM
ajst-20812	90	12	.	.	PUNCT
ajst-20812	91	1	[	[	X
ajst-20812	91	2	7	7	NUM
ajst-20812	91	3	]	]	X
ajst-20812	91	4	kopp	kopp	PROPN
ajst-20812	91	5	,	,	PUNCT
ajst-20812	91	6	e.	e.	PROPN
ajst-20812	91	7	,	,	PUNCT
ajst-20812	91	8	kaffenberger	kaffenberger	PROPN
ajst-20812	91	9	,	,	PUNCT
ajst-20812	91	10	l.	l.	PROPN
ajst-20812	91	11	,	,	PUNCT
ajst-20812	91	12	&	&	CCONJ
ajst-20812	91	13	jenkinson	jenkinson	PROPN
ajst-20812	91	14	,	,	PUNCT
ajst-20812	91	15	n.	n.	PROPN
ajst-20812	91	16	(	(	PUNCT
ajst-20812	91	17	2017	2017	NUM
ajst-20812	91	18	)	)	PUNCT
ajst-20812	91	19	.	.	PUNCT
ajst-20812	92	1	cyber	cyber	PROPN
ajst-20812	92	2	risk	risk	NOUN
ajst-20812	92	3	,	,	PUNCT
ajst-20812	92	4	market	market	NOUN
ajst-20812	92	5	failures	failure	NOUN
ajst-20812	92	6	,	,	PUNCT
ajst-20812	92	7	and	and	CCONJ
ajst-20812	92	8	financial	financial	ADJ
ajst-20812	92	9	stability	stability	NOUN
ajst-20812	92	10	.	.	PUNCT
ajst-20812	93	1	international	international	ADJ
ajst-20812	93	2	monetary	monetary	ADJ
ajst-20812	93	3	fund	fund	NOUN
ajst-20812	93	4	.	.	PUNCT
ajst-20812	94	1	[	[	X
ajst-20812	94	2	8	8	NUM
ajst-20812	94	3	]	]	SYM
ajst-20812	94	4	korol	korol	NOUN
ajst-20812	94	5	,	,	PUNCT
ajst-20812	94	6	i.	i.	PROPN
ajst-20812	94	7	,	,	PUNCT
ajst-20812	94	8	&	&	CCONJ
ajst-20812	94	9	poltorak	poltorak	PROPN
ajst-20812	94	10	,	,	PUNCT
ajst-20812	94	11	a.	a.	NOUN
ajst-20812	94	12	(	(	PUNCT
ajst-20812	94	13	2018	2018	NUM
ajst-20812	94	14	)	)	PUNCT
ajst-20812	94	15	.	.	PUNCT
ajst-20812	95	1	financial	financial	ADJ
ajst-20812	95	2	risk	risk	NOUN
ajst-20812	95	3	management	management	NOUN
ajst-20812	95	4	as	as	ADP
ajst-20812	95	5	a	a	DET
ajst-20812	95	6	strategic	strategic	ADJ
ajst-20812	95	7	direction	direction	NOUN
ajst-20812	95	8	for	for	ADP
ajst-20812	95	9	improving	improve	VERB
ajst-20812	95	10	the	the	DET
ajst-20812	95	11	level	level	NOUN
ajst-20812	95	12	of	of	ADP
ajst-20812	95	13	economic	economic	ADJ
ajst-20812	95	14	security	security	NOUN
ajst-20812	95	15	of	of	ADP
ajst-20812	95	16	the	the	DET
ajst-20812	95	17	state	state	NOUN
ajst-20812	95	18	.	.	PUNCT
ajst-20812	96	1	baltic	baltic	PROPN
ajst-20812	96	2	journal	journal	PROPN
ajst-20812	96	3	of	of	ADP
ajst-20812	96	4	economic	economic	ADJ
ajst-20812	96	5	studies	study	NOUN
ajst-20812	96	6	,	,	PUNCT
ajst-20812	96	7	4(1	4(1	NOUN
ajst-20812	96	8	)	)	PUNCT
ajst-20812	96	9	,	,	PUNCT
ajst-20812	96	10	235	235	NUM
ajst-20812	96	11	-	-	SYM
ajst-20812	96	12	241	241	NUM
ajst-20812	96	13	.	.	PUNCT
ajst-20812	97	1	[	[	X
ajst-20812	97	2	9	9	NUM
ajst-20812	97	3	]	]	X
ajst-20812	97	4	kou	kou	PROPN
ajst-20812	97	5	,	,	PUNCT
ajst-20812	97	6	g.	g.	PROPN
ajst-20812	97	7	,	,	PUNCT
ajst-20812	97	8	chao	chao	PROPN
ajst-20812	97	9	,	,	PUNCT
ajst-20812	97	10	x.	x.	PROPN
ajst-20812	97	11	,	,	PUNCT
ajst-20812	97	12	peng	peng	PROPN
ajst-20812	97	13	,	,	PUNCT
ajst-20812	97	14	y.	y.	PROPN
ajst-20812	97	15	,	,	PUNCT
ajst-20812	97	16	alsaadi	alsaadi	NOUN
ajst-20812	97	17	,	,	PUNCT
ajst-20812	97	18	f.	f.	PROPN
ajst-20812	97	19	e.	e.	PROPN
ajst-20812	97	20	,	,	PUNCT
ajst-20812	97	21	&	&	CCONJ
ajst-20812	97	22	herrera	herrera	NOUN
ajst-20812	97	23	-	-	PUNCT
ajst-20812	97	24	viedma	viedma	NOUN
ajst-20812	97	25	,	,	PUNCT
ajst-20812	97	26	e.	e.	PROPN
ajst-20812	97	27	(	(	PUNCT
ajst-20812	97	28	2019	2019	NUM
ajst-20812	97	29	)	)	PUNCT
ajst-20812	97	30	.	.	PUNCT
ajst-20812	97	31	machine	machine	NOUN
ajst-20812	97	32	learning	learn	VERB
ajst-20812	97	33	methods	method	NOUN
ajst-20812	97	34	for	for	ADP
ajst-20812	97	35	systemic	systemic	ADJ
ajst-20812	97	36	risk	risk	NOUN
ajst-20812	97	37	analysis	analysis	NOUN
ajst-20812	97	38	in	in	ADP
ajst-20812	97	39	financial	financial	ADJ
ajst-20812	97	40	sectors	sector	NOUN
ajst-20812	97	41	.	.	PUNCT
ajst-20812	98	1	technological	technological	ADJ
ajst-20812	98	2	and	and	CCONJ
ajst-20812	98	3	economic	economic	ADJ
ajst-20812	98	4	development	development	NOUN
ajst-20812	98	5	of	of	ADP
ajst-20812	98	6	economy	economy	NOUN
ajst-20812	98	7	,	,	PUNCT
ajst-20812	98	8	1	1	NUM
ajst-20812	98	9	-	-	SYM
ajst-20812	98	10	27	27	NUM
ajst-20812	98	11	.	.	PUNCT
ajst-20812	99	1	[	[	X
ajst-20812	99	2	10	10	NUM
ajst-20812	99	3	]	]	X
ajst-20812	99	4	lu	lu	PROPN
ajst-20812	99	5	,	,	PUNCT
ajst-20812	99	6	l.	l.	PROPN
ajst-20812	99	7	(	(	PUNCT
ajst-20812	99	8	2018	2018	NUM
ajst-20812	99	9	)	)	PUNCT
ajst-20812	99	10	.	.	PUNCT
ajst-20812	100	1	decoding	decode	VERB
ajst-20812	100	2	alipay	alipay	PROPN
ajst-20812	100	3	:	:	PUNCT
ajst-20812	100	4	mobile	mobile	NOUN
ajst-20812	100	5	payments	payment	NOUN
ajst-20812	100	6	,	,	PUNCT
ajst-20812	100	7	a	a	DET
ajst-20812	100	8	cashless	cashless	NOUN
ajst-20812	100	9	society	society	NOUN
ajst-20812	100	10	and	and	CCONJ
ajst-20812	100	11	regulatory	regulatory	ADJ
ajst-20812	100	12	challenges	challenge	NOUN
ajst-20812	100	13	.	.	PUNCT
ajst-20812	101	1	butterworths	butterworth	NOUN
ajst-20812	101	2	journal	journal	PROPN
ajst-20812	101	3	of	of	ADP
ajst-20812	101	4	international	international	ADJ
ajst-20812	101	5	banking	banking	NOUN
ajst-20812	101	6	and	and	CCONJ
ajst-20812	101	7	financial	financial	ADJ
ajst-20812	101	8	law	law	NOUN
ajst-20812	101	9	,	,	PUNCT
ajst-20812	101	10	40	40	NUM
ajst-20812	101	11	-	-	SYM
ajst-20812	101	12	43	43	NUM
ajst-20812	101	13	.	.	PUNCT
ajst-20812	102	1	[	[	X
ajst-20812	102	2	11	11	NUM
ajst-20812	102	3	]	]	X
ajst-20812	102	4	lucey	lucey	PROPN
ajst-20812	102	5	,	,	PUNCT
ajst-20812	102	6	b.	b.	PROPN
ajst-20812	102	7	m.	m.	PROPN
ajst-20812	102	8	,	,	PUNCT
ajst-20812	102	9	vigne	vigne	PROPN
ajst-20812	102	10	,	,	PUNCT
ajst-20812	102	11	s.	s.	PROPN
ajst-20812	102	12	a.	a.	PROPN
ajst-20812	102	13	,	,	PUNCT
ajst-20812	102	14	ballester	ballester	NOUN
ajst-20812	102	15	,	,	PUNCT
ajst-20812	102	16	l.	l.	PROPN
ajst-20812	102	17	,	,	PUNCT
ajst-20812	102	18	barbopoulos	barbopoulos	PROPN
ajst-20812	102	19	,	,	PUNCT
ajst-20812	102	20	l.	l.	PROPN
ajst-20812	102	21	,	,	PUNCT
ajst-20812	102	22	brzeszczynski	brzeszczynski	PROPN
ajst-20812	102	23	,	,	PUNCT
ajst-20812	102	24	j.	j.	PROPN
ajst-20812	102	25	,	,	PUNCT
ajst-20812	102	26	carchano	carchano	PROPN
ajst-20812	102	27	,	,	PUNCT
ajst-20812	102	28	o.	o.	PROPN
ajst-20812	102	29	,	,	PUNCT
ajst-20812	102	30	...	...	PUNCT
ajst-20812	102	31	&	&	CCONJ
ajst-20812	102	32	goodell	goodell	PROPN
ajst-20812	102	33	,	,	PUNCT
ajst-20812	102	34	j.	j.	PROPN
ajst-20812	102	35	w.	w.	PROPN
ajst-20812	102	36	(	(	PUNCT
ajst-20812	102	37	2018	2018	NUM
ajst-20812	102	38	)	)	PUNCT
ajst-20812	102	39	.	.	PUNCT
ajst-20812	103	1	future	future	ADJ
ajst-20812	103	2	directions	direction	NOUN
ajst-20812	103	3	in	in	ADP
ajst-20812	103	4	international	international	ADJ
ajst-20812	103	5	financial	financial	ADJ
ajst-20812	103	6	integration	integration	NOUN
ajst-20812	103	7	researcha	researcha	ADV
ajst-20812	103	8	crowdsourced	crowdsource	VERB
ajst-20812	103	9	perspective	perspective	NOUN
ajst-20812	103	10	.	.	PUNCT
ajst-20812	104	1	international	international	ADJ
ajst-20812	104	2	review	review	NOUN
ajst-20812	104	3	of	of	ADP
ajst-20812	104	4	financial	financial	ADJ
ajst-20812	104	5	analysis	analysis	NOUN
ajst-20812	104	6	,	,	PUNCT
ajst-20812	104	7	55	55	NUM
ajst-20812	104	8	,	,	PUNCT
ajst-20812	104	9	35	35	NUM
ajst-20812	104	10	-	-	SYM
ajst-20812	104	11	49	49	NUM
ajst-20812	104	12	.	.	PUNCT
ajst-20812	105	1	[	[	X
ajst-20812	105	2	12	12	NUM
ajst-20812	105	3	]	]	X
ajst-20812	105	4	mckinsey	mckinsey	NOUN
ajst-20812	105	5	(	(	PUNCT
ajst-20812	105	6	2016	2016	NUM
ajst-20812	105	7	)	)	PUNCT
ajst-20812	105	8	,	,	PUNCT
ajst-20812	105	9	the	the	DET
ajst-20812	105	10	future	future	NOUN
ajst-20812	105	11	of	of	ADP
ajst-20812	105	12	bank	bank	NOUN
ajst-20812	105	13	risk	risk	NOUN
ajst-20812	105	14	management	management	NOUN
ajst-20812	106	1	[	[	X
ajst-20812	106	2	online	online	X
ajst-20812	106	3	]	]	X
ajst-20812	106	4	at	at	ADP
ajst-20812	106	5	https://www.mckinsey.com/business-functions/risk/ourinsights/the-future-of-bank-risk-management	https://www.mckinsey.com/business-functions/risk/ourinsights/the-future-of-bank-risk-management	NOUN
ajst-20812	106	6	[	[	X
ajst-20812	106	7	13	13	NUM
ajst-20812	106	8	]	]	PUNCT
ajst-20812	106	9	mohanty	mohanty	PROPN
ajst-20812	106	10	,	,	PUNCT
ajst-20812	106	11	s.	s.	PROPN
ajst-20812	106	12	k.	k.	PROPN
ajst-20812	106	13	,	,	PUNCT
ajst-20812	106	14	akhigbe	akhigbe	PROPN
ajst-20812	106	15	,	,	PUNCT
ajst-20812	106	16	a.	a.	PROPN
ajst-20812	106	17	,	,	PUNCT
ajst-20812	106	18	&	&	CCONJ
ajst-20812	106	19	basheikh	basheikh	PROPN
ajst-20812	106	20	,	,	PUNCT
ajst-20812	106	21	a.	a.	NOUN
ajst-20812	106	22	(	(	PUNCT
ajst-20812	106	23	2018	2018	NUM
ajst-20812	106	24	)	)	PUNCT
ajst-20812	106	25	.	.	PUNCT
ajst-20812	107	1	the	the	DET
ajst-20812	107	2	dodd	dodd	PROPN
ajst-20812	107	3	-	-	PUNCT
ajst-20812	107	4	frank	frank	PROPN
ajst-20812	107	5	act	act	PROPN
ajst-20812	107	6	and	and	CCONJ
ajst-20812	107	7	basel	basel	PROPN
ajst-20812	107	8	iii	iii	PROPN
ajst-20812	107	9	:	:	PUNCT
ajst-20812	107	10	market	market	NOUN
ajst-20812	107	11	-	-	PUNCT
ajst-20812	107	12	based	base	VERB
ajst-20812	107	13	risk	risk	NOUN
ajst-20812	107	14	implications	implication	NOUN
ajst-20812	107	15	for	for	ADP
ajst-20812	107	16	global	global	ADJ
ajst-20812	107	17	systemically	systemically	ADV
ajst-20812	107	18	important	important	ADJ
ajst-20812	107	19	banks	bank	NOUN
ajst-20812	107	20	(	(	PUNCT
ajst-20812	107	21	g	g	NOUN
ajst-20812	107	22	-	-	PUNCT
ajst-20812	107	23	sibs	sib	NOUN
ajst-20812	107	24	)	)	PUNCT
ajst-20812	107	25	.	.	PUNCT
ajst-20812	108	1	journal	journal	PROPN
ajst-20812	108	2	of	of	ADP
ajst-20812	108	3	multinational	multinational	ADJ
ajst-20812	108	4	financial	financial	ADJ
ajst-20812	108	5	management	management	NOUN
ajst-20812	108	6	,	,	PUNCT
ajst-20812	108	7	47	47	NUM
ajst-20812	108	8	,	,	PUNCT
ajst-20812	108	9	91	91	NUM
ajst-20812	108	10	-	-	SYM
ajst-20812	108	11	109	109	NUM
ajst-20812	108	12	.	.	PUNCT
ajst-20812	109	1	[	[	X
ajst-20812	109	2	14	14	NUM
ajst-20812	109	3	]	]	X
ajst-20812	109	4	scott	scott	PROPN
ajst-20812	109	5	,	,	PUNCT
ajst-20812	109	6	h.	h.	PROPN
ajst-20812	109	7	s.	s.	PROPN
ajst-20812	109	8	,	,	PUNCT
ajst-20812	109	9	gulliver	gulliver	PROPN
ajst-20812	109	10	,	,	PUNCT
ajst-20812	109	11	j.	j.	PROPN
ajst-20812	109	12	,	,	PUNCT
ajst-20812	109	13	&	&	CCONJ
ajst-20812	109	14	nadler	nadler	PROPN
ajst-20812	109	15	,	,	PUNCT
ajst-20812	109	16	h.	h.	PROPN
ajst-20812	109	17	(	(	PUNCT
ajst-20812	109	18	2019	2019	NUM
ajst-20812	109	19	)	)	PUNCT
ajst-20812	109	20	.	.	PUNCT
ajst-20812	110	1	cloud	cloud	NOUN
ajst-20812	110	2	computing	computing	NOUN
ajst-20812	110	3	in	in	ADP
ajst-20812	110	4	the	the	DET
ajst-20812	110	5	financial	financial	ADJ
ajst-20812	110	6	sector	sector	NOUN
ajst-20812	110	7	:	:	PUNCT
ajst-20812	110	8	a	a	DET
ajst-20812	110	9	global	global	ADJ
ajst-20812	110	10	perspective	perspective	NOUN
ajst-20812	110	11	.	.	PUNCT
ajst-20812	111	1	program	program	NOUN
ajst-20812	111	2	on	on	ADP
ajst-20812	111	3	international	international	ADJ
ajst-20812	111	4	financial	financial	ADJ
ajst-20812	111	5	systems	system	NOUN
ajst-20812	111	6	.	.	PUNCT
ajst-20812	112	1	[	[	X
ajst-20812	112	2	15	15	NUM
ajst-20812	112	3	]	]	X
ajst-20812	112	4	singh	singh	PROPN
ajst-20812	112	5	,	,	PUNCT
ajst-20812	112	6	s.	s.	PROPN
ajst-20812	112	7	,	,	PUNCT
ajst-20812	112	8	&	&	CCONJ
ajst-20812	112	9	singh	singh	PROPN
ajst-20812	112	10	,	,	PUNCT
ajst-20812	112	11	n.	n.	PROPN
ajst-20812	112	12	(	(	PUNCT
ajst-20812	112	13	2016	2016	NUM
ajst-20812	112	14	,	,	PUNCT
ajst-20812	112	15	december	december	PROPN
ajst-20812	112	16	)	)	PUNCT
ajst-20812	112	17	.	.	PUNCT
ajst-20812	113	1	blockchain	blockchain	NOUN
ajst-20812	113	2	:	:	PUNCT
ajst-20812	113	3	future	future	NOUN
ajst-20812	113	4	of	of	ADP
ajst-20812	113	5	financial	financial	ADJ
ajst-20812	113	6	and	and	CCONJ
ajst-20812	113	7	cyber	cyber	ADJ
ajst-20812	113	8	security	security	NOUN
ajst-20812	113	9	.	.	PUNCT
ajst-20812	114	1	in	in	ADP
ajst-20812	114	2	2016	2016	NUM
ajst-20812	114	3	2nd	2nd	ADJ
ajst-20812	114	4	international	international	ADJ
ajst-20812	114	5	conference	conference	NOUN
ajst-20812	114	6	on	on	ADP
ajst-20812	114	7	contemporary	contemporary	ADJ
ajst-20812	114	8	computing	computing	NOUN
ajst-20812	114	9	and	and	CCONJ
ajst-20812	114	10	informatics	informatic	NOUN
ajst-20812	114	11	(	(	PUNCT
ajst-20812	114	12	ic3i	ic3i	X
ajst-20812	114	13	)	)	PUNCT
ajst-20812	114	14	(	(	PUNCT
ajst-20812	114	15	pp	pp	ADJ
ajst-20812	114	16	.	.	PUNCT
ajst-20812	115	1	463	463	NUM
ajst-20812	115	2	-	-	SYM
ajst-20812	115	3	467	467	NUM
ajst-20812	115	4	)	)	PUNCT
ajst-20812	115	5	.	.	PUNCT
ajst-20812	116	1	ieee	ieee	PROPN
ajst-20812	116	2	.	.	PUNCT
ajst-20812	117	1	[	[	X
ajst-20812	117	2	16	16	NUM
ajst-20812	117	3	]	]	PUNCT
ajst-20812	117	4	stankovska	stankovska	PROPN
ajst-20812	117	5	,	,	PUNCT
ajst-20812	117	6	a.	a.	PROPN
ajst-20812	117	7	,	,	PUNCT
ajst-20812	117	8	dimitrieska	dimitrieska	PROPN
ajst-20812	117	9	,	,	PUNCT
ajst-20812	117	10	s.	s.	PROPN
ajst-20812	117	11	,	,	PUNCT
ajst-20812	117	12	&	&	CCONJ
ajst-20812	117	13	stamevska	stamevska	PROPN
ajst-20812	117	14	,	,	PUNCT
ajst-20812	117	15	e.	e.	PROPN
ajst-20812	117	16	(	(	PUNCT
ajst-20812	117	17	2018	2018	NUM
ajst-20812	117	18	)	)	PUNCT
ajst-20812	117	19	.	.	PUNCT
ajst-20812	118	1	risk	risk	NOUN
ajst-20812	118	2	management	management	NOUN
ajst-20812	118	3	in	in	ADP
ajst-20812	118	4	banking	banking	NOUN
ajst-20812	118	5	industry	industry	NOUN
ajst-20812	118	6	.	.	PUNCT
ajst-20812	119	1	entrepreneurship	entrepreneurship	NOUN
ajst-20812	119	2	,	,	PUNCT
ajst-20812	119	3	6(2	6(2	NUM
ajst-20812	119	4	)	)	PUNCT
ajst-20812	119	5	,	,	PUNCT
ajst-20812	119	6	229236	229236	NUM
ajst-20812	119	7	.	.	PUNCT
ajst-20812	120	1	[	[	X
ajst-20812	120	2	17	17	NUM
ajst-20812	120	3	]	]	X
ajst-20812	120	4	waemustafa	waemustafa	PROPN
ajst-20812	120	5	,	,	PUNCT
ajst-20812	120	6	w.	w.	PROPN
ajst-20812	120	7	,	,	PUNCT
ajst-20812	120	8	&	&	CCONJ
ajst-20812	120	9	sukri	sukri	PROPN
ajst-20812	120	10	,	,	PUNCT
ajst-20812	120	11	s.	s.	PROPN
ajst-20812	120	12	(	(	PUNCT
ajst-20812	120	13	2016	2016	NUM
ajst-20812	120	14	)	)	PUNCT
ajst-20812	120	15	.	.	PUNCT
ajst-20812	121	1	systematic	systematic	ADJ
ajst-20812	121	2	and	and	CCONJ
ajst-20812	121	3	unsystematic	unsystematic	ADJ
ajst-20812	121	4	risk	risk	NOUN
ajst-20812	121	5	determinants	determinant	NOUN
ajst-20812	121	6	of	of	ADP
ajst-20812	121	7	liquidity	liquidity	NOUN
ajst-20812	121	8	risk	risk	NOUN
ajst-20812	121	9	between	between	ADP
ajst-20812	121	10	islamic	islamic	ADJ
ajst-20812	121	11	and	and	CCONJ
ajst-20812	121	12	conventional	conventional	ADJ
ajst-20812	121	13	banks	bank	NOUN
ajst-20812	121	14	.	.	PUNCT
ajst-20812	122	1	international	international	ADJ
ajst-20812	122	2	journal	journal	PROPN
ajst-20812	122	3	of	of	ADP
ajst-20812	122	4	economics	economic	NOUN
ajst-20812	122	5	and	and	CCONJ
ajst-20812	122	6	financial	financial	ADJ
ajst-20812	122	7	issues	issue	NOUN
ajst-20812	122	8	,	,	PUNCT
ajst-20812	122	9	6(4	6(4	NOUN
ajst-20812	122	10	)	)	PUNCT
ajst-20812	122	11	,	,	PUNCT
ajst-20812	122	12	1321	1321	NUM
ajst-20812	122	13	-	-	SYM
ajst-20812	122	14	1327	1327	NUM
ajst-20812	122	15	.	.	PUNCT
ajst-20812	123	1	[	[	X
ajst-20812	123	2	18	18	NUM
ajst-20812	123	3	]	]	X
ajst-20812	123	4	wang	wang	PROPN
ajst-20812	123	5	,	,	PUNCT
ajst-20812	123	6	g.	g.	PROPN
ajst-20812	123	7	j.	j.	PROPN
ajst-20812	123	8	,	,	PUNCT
ajst-20812	123	9	xie	xie	PROPN
ajst-20812	123	10	,	,	PUNCT
ajst-20812	123	11	c.	c.	PROPN
ajst-20812	123	12	,	,	PUNCT
ajst-20812	123	13	he	he	PRON
ajst-20812	123	14	,	,	PUNCT
ajst-20812	123	15	k.	k.	PROPN
ajst-20812	123	16	,	,	PUNCT
ajst-20812	123	17	&	&	CCONJ
ajst-20812	123	18	stanley	stanley	PROPN
ajst-20812	123	19	,	,	PUNCT
ajst-20812	123	20	h.	h.	PROPN
ajst-20812	123	21	e.	e.	PROPN
ajst-20812	123	22	(	(	PUNCT
ajst-20812	123	23	2017	2017	NUM
ajst-20812	123	24	)	)	PUNCT
ajst-20812	123	25	.	.	PUNCT
ajst-20812	124	1	extreme	extreme	ADJ
ajst-20812	124	2	risk	risk	NOUN
ajst-20812	124	3	spillover	spillover	NOUN
ajst-20812	124	4	network	network	NOUN
ajst-20812	124	5	:	:	PUNCT
ajst-20812	124	6	application	application	NOUN
ajst-20812	124	7	to	to	ADP
ajst-20812	124	8	financial	financial	ADJ
ajst-20812	124	9	institutions	institution	NOUN
ajst-20812	124	10	.	.	PUNCT
ajst-20812	125	1	quantitative	quantitative	ADJ
ajst-20812	125	2	finance	finance	NOUN
ajst-20812	125	3	,	,	PUNCT
ajst-20812	125	4	17(9	17(9	NOUN
ajst-20812	125	5	)	)	PUNCT
ajst-20812	125	6	,	,	PUNCT
ajst-20812	125	7	1417	1417	NUM
ajst-20812	125	8	-	-	SYM
ajst-20812	125	9	1433	1433	NUM
ajst-20812	125	10	.	.	PUNCT
ajst-20812	126	1	[	[	X
ajst-20812	126	2	19	19	NUM
ajst-20812	126	3	]	]	SYM
ajst-20812	126	4	wns	wns	X
ajst-20812	126	5	(	(	PUNCT
ajst-20812	126	6	2019	2019	NUM
ajst-20812	126	7	)	)	PUNCT
ajst-20812	126	8	,	,	PUNCT
ajst-20812	126	9	use	use	VERB
ajst-20812	126	10	automated	automate	VERB
ajst-20812	126	11	controls	control	NOUN
ajst-20812	126	12	the	the	DET
ajst-20812	126	13	right	right	ADJ
ajst-20812	126	14	way	way	NOUN
ajst-20812	126	15	to	to	PART
ajst-20812	126	16	mitigate	mitigate	VERB
ajst-20812	126	17	process	process	NOUN
ajst-20812	126	18	risks	risk	NOUN
ajst-20812	126	19	in	in	ADP
ajst-20812	126	20	f&a	f&a	PROPN
ajst-20812	126	21	[	[	X
ajst-20812	126	22	online	online	X
ajst-20812	126	23	]	]	X
ajst-20812	126	24	at	at	ADP
ajst-20812	126	25	https://www.wns.com/insights/articles/articledetail/18/useautomated-controls-the-right-way-to-mitigate-process-risksin-fa-outsourcing	https://www.wns.com/insights/articles/articledetail/18/useautomated-controls-the-right-way-to-mitigate-process-risksin-fa-outsource	VERB
ajst-20812	126	26	[	[	X
ajst-20812	126	27	20	20	NUM
ajst-20812	126	28	]	]	X
ajst-20812	126	29	zhang	zhang	PROPN
ajst-20812	126	30	,	,	PUNCT
ajst-20812	126	31	y.	y.	PROPN
ajst-20812	126	32	,	,	PUNCT
ajst-20812	126	33	liu	liu	PROPN
ajst-20812	126	34	,	,	PUNCT
ajst-20812	126	35	s.	s.	PROPN
ajst-20812	126	36	,	,	PUNCT
ajst-20812	126	37	tan	tan	PROPN
ajst-20812	126	38	,	,	PUNCT
ajst-20812	126	39	j.	j.	PROPN
ajst-20812	126	40	,	,	PUNCT
ajst-20812	126	41	jiang	jiang	PROPN
ajst-20812	126	42	,	,	PUNCT
ajst-20812	126	43	g.	g.	PROPN
ajst-20812	126	44	,	,	PUNCT
ajst-20812	126	45	&	&	CCONJ
ajst-20812	126	46	zhu	zhu	PROPN
ajst-20812	126	47	,	,	PUNCT
ajst-20812	126	48	q.	q.	PROPN
ajst-20812	126	49	(	(	PUNCT
ajst-20812	126	50	2018	2018	NUM
ajst-20812	126	51	)	)	PUNCT
ajst-20812	126	52	.	.	PUNCT
ajst-20812	127	1	effects	effect	NOUN
ajst-20812	127	2	of	of	ADP
ajst-20812	127	3	risks	risk	NOUN
ajst-20812	127	4	on	on	ADP
ajst-20812	127	5	the	the	DET
ajst-20812	127	6	performance	performance	NOUN
ajst-20812	127	7	of	of	ADP
ajst-20812	127	8	business	business	NOUN
ajst-20812	127	9	process	process	NOUN
ajst-20812	127	10	outsourcing	outsourcing	NOUN
ajst-20812	127	11	projects	project	NOUN
ajst-20812	127	12	:	:	PUNCT
ajst-20812	127	13	the	the	DET
ajst-20812	127	14	moderating	moderate	VERB
ajst-20812	127	15	roles	role	NOUN
ajst-20812	127	16	of	of	ADP
ajst-20812	127	17	knowledge	knowledge	NOUN
ajst-20812	127	18	management	management	NOUN
ajst-20812	127	19	capabilities	capability	NOUN
ajst-20812	127	20	.	.	PUNCT
ajst-20812	128	1	international	international	ADJ
ajst-20812	128	2	journal	journal	PROPN
ajst-20812	128	3	of	of	ADP
ajst-20812	128	4	project	project	NOUN
ajst-20812	128	5	management	management	NOUN
ajst-20812	128	6	,	,	PUNCT
ajst-20812	128	7	36(4	36(4	NUM
ajst-20812	128	8	)	)	PUNCT
ajst-20812	128	9	,	,	PUNCT
ajst-20812	128	10	627	627	NUM
ajst-20812	128	11	-	-	SYM
ajst-20812	128	12	639	639	NUM
ajst-20812	128	13	.	.	PUNCT