id	sid	tid	token	lemma	pos
aijmsr-187	1	1	american	american	PROPN
aijmsr-187	1	2	international	international	PROPN
aijmsr-187	1	3	journal	journal	PROPN
aijmsr-187	1	4	of	of	ADP
aijmsr-187	1	5	multidisciplinary	multidisciplinary	ADJ
aijmsr-187	1	6	scientific	scientific	ADJ
aijmsr-187	1	7	research	research	NOUN
aijmsr-187	1	8	;	;	PUNCT
aijmsr-187	1	9	vol	vol	NOUN
aijmsr-187	1	10	.	.	NOUN
aijmsr-187	1	11	1	1	NUM
aijmsr-187	1	12	,	,	PUNCT
aijmsr-187	1	13	no	no	INTJ
aijmsr-187	1	14	.	.	NOUN
aijmsr-187	1	15	3	3	NUM
aijmsr-187	1	16	;	;	PUNCT
aijmsr-187	1	17	2018	2018	NUM
aijmsr-187	1	18	issn	issn	VERB
aijmsr-187	1	19	2638	2638	NUM
aijmsr-187	1	20	-	-	SYM
aijmsr-187	1	21	1249	1249	NUM
aijmsr-187	1	22	e	e	NOUN
aijmsr-187	1	23	-	-	PROPN
aijmsr-187	1	24	issn	issn	PROPN
aijmsr-187	1	25	2638	2638	NUM
aijmsr-187	1	26	-	-	SYM
aijmsr-187	1	27	1273	1273	NUM
aijmsr-187	1	28	impact	impact	NOUN
aijmsr-187	1	29	factor	factor	NOUN
aijmsr-187	1	30	:	:	PUNCT
aijmsr-187	1	31	5.8	5.8	NUM
aijmsr-187	1	32	published	publish	VERB
aijmsr-187	1	33	by	by	ADP
aijmsr-187	1	34	centre	centre	NOUN
aijmsr-187	1	35	for	for	ADP
aijmsr-187	1	36	research	research	NOUN
aijmsr-187	1	37	on	on	ADP
aijmsr-187	1	38	islamic	islamic	ADJ
aijmsr-187	1	39	banking	banking	PROPN
aijmsr-187	1	40	&	&	CCONJ
aijmsr-187	1	41	finance	finance	PROPN
aijmsr-187	1	42	and	and	CCONJ
aijmsr-187	1	43	business	business	NOUN
aijmsr-187	1	44	1	1	NUM
aijmsr-187	1	45	leveraging	leverage	VERB
aijmsr-187	1	46	technologies	technology	NOUN
aijmsr-187	1	47	to	to	PART
aijmsr-187	1	48	redefine	redefine	VERB
aijmsr-187	1	49	business	business	NOUN
aijmsr-187	1	50	:	:	PUNCT
aijmsr-187	2	1	technology	technology	PROPN
aijmsr-187	2	2	perspective	perspective	PROPN
aijmsr-187	2	3	b.	b.	PROPN
aijmsr-187	2	4	vijaya	vijaya	PROPN
aijmsr-187	2	5	lakshmi	lakshmi	PROPN
aijmsr-187	2	6	1	1	NUM
aijmsr-187	2	7	&	&	CCONJ
aijmsr-187	2	8	b.	b.	PROPN
aijmsr-187	2	9	ravi	ravi	PROPN
aijmsr-187	2	10	kumar	kumar	PROPN
aijmsr-187	2	11	2	2	NUM
aijmsr-187	2	12	1	1	NUM
aijmsr-187	2	13	department	department	NOUN
aijmsr-187	2	14	of	of	ADP
aijmsr-187	2	15	business	business	NOUN
aijmsr-187	2	16	management	management	NOUN
aijmsr-187	2	17	,	,	PUNCT
aijmsr-187	2	18	sri	sri	PROPN
aijmsr-187	2	19	pamavati	pamavati	PROPN
aijmsr-187	2	20	mahila	mahila	PROPN
aijmsr-187	2	21	visvavidyalayam	visvavidyalayam	PROPN
aijmsr-187	2	22	(	(	PUNCT
aijmsr-187	2	23	women	woman	NOUN
aijmsr-187	2	24	’s	’s	PART
aijmsr-187	2	25	university)-tirupati	university)-tirupati	NOUN
aijmsr-187	2	26	,	,	PUNCT
aijmsr-187	2	27	india	india	PROPN
aijmsr-187	2	28	2	2	NUM
aijmsr-187	2	29	department	department	NOUN
aijmsr-187	2	30	of	of	ADP
aijmsr-187	2	31	mba	mba	PROPN
aijmsr-187	2	32	-	-	PUNCT
aijmsr-187	2	33	amrita	amrita	PROPN
aijmsr-187	2	34	sai	sai	PROPN
aijmsr-187	2	35	institute	institute	PROPN
aijmsr-187	2	36	of	of	ADP
aijmsr-187	2	37	science	science	NOUN
aijmsr-187	2	38	and	and	CCONJ
aijmsr-187	2	39	technology	technology	NOUN
aijmsr-187	2	40	,	,	PUNCT
aijmsr-187	2	41	india	india	PROPN
aijmsr-187	2	42	correspondence	correspondence	NOUN
aijmsr-187	2	43	:	:	PUNCT
aijmsr-187	2	44	b.	b.	PROPN
aijmsr-187	2	45	ravi	ravi	PROPN
aijmsr-187	2	46	kumar	kumar	PROPN
aijmsr-187	2	47	,	,	PUNCT
aijmsr-187	2	48	department	department	PROPN
aijmsr-187	2	49	of	of	ADP
aijmsr-187	2	50	mba	mba	PROPN
aijmsr-187	2	51	amrita	amrita	PROPN
aijmsr-187	2	52	sai	sai	PROPN
aijmsr-187	2	53	institute	institute	PROPN
aijmsr-187	2	54	of	of	ADP
aijmsr-187	2	55	science	science	NOUN
aijmsr-187	2	56	and	and	CCONJ
aijmsr-187	2	57	technology	technology	NOUN
aijmsr-187	2	58	,	,	PUNCT
aijmsr-187	2	59	india	india	PROPN
aijmsr-187	2	60	,	,	PUNCT
aijmsr-187	2	61	email	email	NOUN
aijmsr-187	2	62	:	:	PUNCT
aijmsr-187	2	63	ravi9949418650@yahoo.com	ravi9949418650@yahoo.com	X
aijmsr-187	3	1	received	receive	VERB
aijmsr-187	3	2	:	:	PUNCT
aijmsr-187	3	3	september	september	PROPN
aijmsr-187	3	4	11	11	NUM
aijmsr-187	3	5	,	,	PUNCT
aijmsr-187	3	6	2018	2018	NUM
aijmsr-187	3	7	accepted	accept	VERB
aijmsr-187	3	8	:	:	PUNCT
aijmsr-187	3	9	september	september	PROPN
aijmsr-187	3	10	30	30	NUM
aijmsr-187	3	11	,	,	PUNCT
aijmsr-187	3	12	2018	2018	NUM
aijmsr-187	3	13	online	online	ADV
aijmsr-187	3	14	published	publish	VERB
aijmsr-187	3	15	:	:	PUNCT
aijmsr-187	3	16	october	october	PROPN
aijmsr-187	3	17	1	1	NUM
aijmsr-187	3	18	,	,	PUNCT
aijmsr-187	3	19	2018	2018	NUM
aijmsr-187	3	20	abstract	abstract	NOUN
aijmsr-187	3	21	the	the	DET
aijmsr-187	3	22	disruptors	disruptor	NOUN
aijmsr-187	3	23	in	in	ADP
aijmsr-187	3	24	the	the	DET
aijmsr-187	3	25	financial	financial	ADJ
aijmsr-187	3	26	services	service	NOUN
aijmsr-187	3	27	industry	industry	NOUN
aijmsr-187	3	28	are	be	AUX
aijmsr-187	3	29	rewriting	rewrite	VERB
aijmsr-187	3	30	the	the	DET
aijmsr-187	3	31	rules	rule	NOUN
aijmsr-187	3	32	,	,	PUNCT
aijmsr-187	3	33	banks	bank	NOUN
aijmsr-187	3	34	used	use	VERB
aijmsr-187	3	35	to	to	PART
aijmsr-187	3	36	perform	perform	VERB
aijmsr-187	3	37	operations	operation	NOUN
aijmsr-187	3	38	traditionally	traditionally	ADV
aijmsr-187	3	39	.	.	PUNCT
aijmsr-187	4	1	the	the	DET
aijmsr-187	4	2	financial	financial	ADJ
aijmsr-187	4	3	services	service	NOUN
aijmsr-187	4	4	industry	industry	NOUN
aijmsr-187	4	5	known	know	VERB
aijmsr-187	4	6	for	for	ADP
aijmsr-187	4	7	conservative	conservative	ADJ
aijmsr-187	4	8	and	and	CCONJ
aijmsr-187	4	9	resistant	resistant	ADJ
aijmsr-187	4	10	to	to	ADP
aijmsr-187	4	11	change	change	NOUN
aijmsr-187	4	12	has	have	AUX
aijmsr-187	4	13	been	be	AUX
aijmsr-187	4	14	challenged	challenge	VERB
aijmsr-187	4	15	by	by	ADP
aijmsr-187	4	16	financial	financial	ADJ
aijmsr-187	4	17	technology	technology	NOUN
aijmsr-187	4	18	(	(	PUNCT
aijmsr-187	4	19	fintech	fintech	NOUN
aijmsr-187	4	20	)	)	PUNCT
aijmsr-187	4	21	companies	company	NOUN
aijmsr-187	4	22	that	that	PRON
aijmsr-187	4	23	compete	compete	VERB
aijmsr-187	4	24	by	by	ADP
aijmsr-187	4	25	combining	combine	VERB
aijmsr-187	4	26	digital	digital	ADJ
aijmsr-187	4	27	technology	technology	NOUN
aijmsr-187	4	28	,	,	PUNCT
aijmsr-187	4	29	social	social	ADJ
aijmsr-187	4	30	media	medium	NOUN
aijmsr-187	4	31	,	,	PUNCT
aijmsr-187	4	32	and	and	CCONJ
aijmsr-187	4	33	big	big	ADJ
aijmsr-187	4	34	data	datum	NOUN
aijmsr-187	4	35	analytics	analytic	NOUN
aijmsr-187	4	36	to	to	PART
aijmsr-187	4	37	replace	replace	VERB
aijmsr-187	4	38	traditional	traditional	ADJ
aijmsr-187	4	39	models	model	NOUN
aijmsr-187	4	40	with	with	ADP
aijmsr-187	4	41	financial	financial	ADJ
aijmsr-187	4	42	products	product	NOUN
aijmsr-187	4	43	and	and	CCONJ
aijmsr-187	4	44	services	service	NOUN
aijmsr-187	4	45	enabled	enable	VERB
aijmsr-187	4	46	by	by	ADP
aijmsr-187	4	47	new	new	ADJ
aijmsr-187	4	48	technology	technology	NOUN
aijmsr-187	4	49	.	.	PUNCT
aijmsr-187	5	1	the	the	DET
aijmsr-187	5	2	present	present	ADJ
aijmsr-187	5	3	study	study	NOUN
aijmsr-187	5	4	is	be	AUX
aijmsr-187	5	5	an	an	DET
aijmsr-187	5	6	attempt	attempt	NOUN
aijmsr-187	5	7	to	to	PART
aijmsr-187	5	8	portray	portray	VERB
aijmsr-187	5	9	the	the	DET
aijmsr-187	5	10	role	role	NOUN
aijmsr-187	5	11	of	of	ADP
aijmsr-187	5	12	fin	fin	NOUN
aijmsr-187	5	13	techs	tech	NOUN
aijmsr-187	5	14	,	,	PUNCT
aijmsr-187	5	15	challenges	challenge	NOUN
aijmsr-187	5	16	etc	etc	X
aijmsr-187	5	17	.	.	X
aijmsr-187	6	1	keywords	keyword	NOUN
aijmsr-187	6	2	:	:	PUNCT
aijmsr-187	6	3	challenges	challenge	NOUN
aijmsr-187	6	4	,	,	PUNCT
aijmsr-187	6	5	opportunities	opportunity	NOUN
aijmsr-187	6	6	,	,	PUNCT
aijmsr-187	6	7	role	role	NOUN
aijmsr-187	6	8	of	of	ADP
aijmsr-187	6	9	fin	fin	NOUN
aijmsr-187	6	10	techs	tech	NOUN
aijmsr-187	6	11	,	,	PUNCT
aijmsr-187	6	12	trends	trend	NOUN
aijmsr-187	6	13	.	.	PUNCT
aijmsr-187	7	1	1	1	X
aijmsr-187	7	2	.	.	X
aijmsr-187	7	3	introduction	introduction	NOUN
aijmsr-187	7	4	digital	digital	ADJ
aijmsr-187	7	5	disruption	disruption	NOUN
aijmsr-187	7	6	is	be	AUX
aijmsr-187	7	7	occurring	occur	VERB
aijmsr-187	7	8	at	at	ADP
aijmsr-187	7	9	every	every	DET
aijmsr-187	7	10	level	level	NOUN
aijmsr-187	7	11	of	of	ADP
aijmsr-187	7	12	the	the	DET
aijmsr-187	7	13	financial	financial	ADJ
aijmsr-187	7	14	services	service	NOUN
aijmsr-187	7	15	industry	industry	NOUN
aijmsr-187	7	16	.	.	PUNCT
aijmsr-187	8	1	new	new	ADJ
aijmsr-187	8	2	competitors	competitor	NOUN
aijmsr-187	8	3	,	,	PUNCT
aijmsr-187	8	4	new	new	ADJ
aijmsr-187	8	5	channels	channel	NOUN
aijmsr-187	8	6	,	,	PUNCT
aijmsr-187	8	7	new	new	ADJ
aijmsr-187	8	8	processes	process	NOUN
aijmsr-187	8	9	and	and	CCONJ
aijmsr-187	8	10	new	new	ADJ
aijmsr-187	8	11	consumer	consumer	NOUN
aijmsr-187	8	12	expectations	expectation	NOUN
aijmsr-187	8	13	are	be	AUX
aijmsr-187	8	14	shifting	shift	VERB
aijmsr-187	8	15	the	the	DET
aijmsr-187	8	16	industry	industry	NOUN
aijmsr-187	8	17	paradigm	paradigm	NOUN
aijmsr-187	8	18	.	.	PUNCT
aijmsr-187	9	1	banks	bank	NOUN
aijmsr-187	9	2	today	today	NOUN
aijmsr-187	9	3	are	be	AUX
aijmsr-187	9	4	facing	face	VERB
aijmsr-187	9	5	rapid	rapid	ADJ
aijmsr-187	9	6	and	and	CCONJ
aijmsr-187	9	7	irreversible	irreversible	ADJ
aijmsr-187	9	8	changes	change	NOUN
aijmsr-187	9	9	across	across	ADP
aijmsr-187	9	10	technology	technology	NOUN
aijmsr-187	9	11	,	,	PUNCT
aijmsr-187	9	12	customer	customer	NOUN
aijmsr-187	9	13	behavior	behavior	NOUN
aijmsr-187	9	14	and	and	CCONJ
aijmsr-187	9	15	regulation	regulation	NOUN
aijmsr-187	9	16	.	.	PUNCT
aijmsr-187	10	1	the	the	DET
aijmsr-187	10	2	net	net	ADJ
aijmsr-187	10	3	effect	effect	NOUN
aijmsr-187	10	4	is	be	AUX
aijmsr-187	10	5	that	that	SCONJ
aijmsr-187	10	6	the	the	DET
aijmsr-187	10	7	industry	industry	NOUN
aijmsr-187	10	8	’s	’s	PART
aijmsr-187	10	9	current	current	ADJ
aijmsr-187	10	10	shape	shape	NOUN
aijmsr-187	10	11	and	and	CCONJ
aijmsr-187	10	12	operating	operating	NOUN
aijmsr-187	10	13	models	model	NOUN
aijmsr-187	10	14	are	be	AUX
aijmsr-187	10	15	no	no	ADV
aijmsr-187	10	16	longer	long	ADV
aijmsr-187	10	17	sustainable	sustainable	ADJ
aijmsr-187	10	18	into	into	ADP
aijmsr-187	10	19	the	the	DET
aijmsr-187	10	20	future	future	NOUN
aijmsr-187	10	21	.	.	PUNCT
aijmsr-187	11	1	the	the	DET
aijmsr-187	11	2	only	only	ADJ
aijmsr-187	11	3	way	way	NOUN
aijmsr-187	11	4	to	to	PART
aijmsr-187	11	5	survive	survive	VERB
aijmsr-187	11	6	in	in	ADP
aijmsr-187	11	7	this	this	DET
aijmsr-187	11	8	world	world	NOUN
aijmsr-187	11	9	of	of	ADP
aijmsr-187	11	10	disruption	disruption	NOUN
aijmsr-187	11	11	is	be	AUX
aijmsr-187	11	12	to	to	PART
aijmsr-187	11	13	stay	stay	VERB
aijmsr-187	11	14	in	in	ADP
aijmsr-187	11	15	sync	sync	NOUN
aijmsr-187	11	16	with	with	ADP
aijmsr-187	11	17	these	these	DET
aijmsr-187	11	18	movements	movement	NOUN
aijmsr-187	11	19	and	and	CCONJ
aijmsr-187	11	20	accelerate	accelerate	VERB
aijmsr-187	11	21	execution	execution	NOUN
aijmsr-187	11	22	to	to	PART
aijmsr-187	11	23	gain	gain	VERB
aijmsr-187	11	24	a	a	DET
aijmsr-187	11	25	critical	critical	ADJ
aijmsr-187	11	26	competitive	competitive	ADJ
aijmsr-187	11	27	advantage	advantage	NOUN
aijmsr-187	11	28	.	.	PUNCT
aijmsr-187	12	1	subsequently	subsequently	ADV
aijmsr-187	12	2	,	,	PUNCT
aijmsr-187	12	3	it	it	PRON
aijmsr-187	12	4	is	be	AUX
aijmsr-187	12	5	imperative	imperative	ADJ
aijmsr-187	12	6	for	for	SCONJ
aijmsr-187	12	7	companies	company	NOUN
aijmsr-187	12	8	to	to	PART
aijmsr-187	12	9	embrace	embrace	VERB
aijmsr-187	12	10	cutting	cutting	NOUN
aijmsr-187	12	11	-	-	PUNCT
aijmsr-187	12	12	edge	edge	NOUN
aijmsr-187	12	13	technology	technology	NOUN
aijmsr-187	12	14	if	if	SCONJ
aijmsr-187	12	15	they	they	PRON
aijmsr-187	12	16	are	be	AUX
aijmsr-187	12	17	to	to	PART
aijmsr-187	12	18	succeed	succeed	VERB
aijmsr-187	12	19	in	in	ADP
aijmsr-187	12	20	this	this	DET
aijmsr-187	12	21	fast	fast	ADV
aijmsr-187	12	22	-	-	PUNCT
aijmsr-187	12	23	paced	paced	ADJ
aijmsr-187	12	24	,	,	PUNCT
aijmsr-187	12	25	agile	agile	ADJ
aijmsr-187	12	26	environment	environment	NOUN
aijmsr-187	12	27	in	in	ADP
aijmsr-187	12	28	which	which	PRON
aijmsr-187	12	29	every	every	DET
aijmsr-187	12	30	business	business	NOUN
aijmsr-187	12	31	needs	need	VERB
aijmsr-187	12	32	to	to	PART
aijmsr-187	12	33	operate	operate	VERB
aijmsr-187	12	34	.	.	PUNCT
aijmsr-187	13	1	by	by	ADP
aijmsr-187	13	2	2025	2025	NUM
aijmsr-187	13	3	,	,	PUNCT
aijmsr-187	13	4	the	the	DET
aijmsr-187	13	5	banking	banking	NOUN
aijmsr-187	13	6	landscape	landscape	NOUN
aijmsr-187	13	7	is	be	AUX
aijmsr-187	13	8	most	most	ADV
aijmsr-187	13	9	likely	likely	ADJ
aijmsr-187	13	10	to	to	PART
aijmsr-187	13	11	include	include	VERB
aijmsr-187	13	12	some	some	PRON
aijmsr-187	13	13	of	of	ADP
aijmsr-187	13	14	today	today	NOUN
aijmsr-187	13	15	’s	’s	PART
aijmsr-187	13	16	popular	popular	ADJ
aijmsr-187	13	17	banking	banking	NOUN
aijmsr-187	13	18	brands	brand	NOUN
aijmsr-187	13	19	in	in	ADP
aijmsr-187	13	20	addition	addition	NOUN
aijmsr-187	13	21	to	to	ADP
aijmsr-187	13	22	other	other	ADJ
aijmsr-187	13	23	prominent	prominent	ADJ
aijmsr-187	13	24	names	name	NOUN
aijmsr-187	13	25	.	.	PUNCT
aijmsr-187	14	1	the	the	DET
aijmsr-187	14	2	use	use	NOUN
aijmsr-187	14	3	of	of	ADP
aijmsr-187	14	4	modern	modern	ADJ
aijmsr-187	14	5	day	day	NOUN
aijmsr-187	14	6	technologies	technology	NOUN
aijmsr-187	14	7	will	will	AUX
aijmsr-187	14	8	differentiate	differentiate	VERB
aijmsr-187	14	9	successful	successful	ADJ
aijmsr-187	14	10	companies	company	NOUN
aijmsr-187	14	11	from	from	ADP
aijmsr-187	14	12	laggards	laggard	NOUN
aijmsr-187	14	13	.	.	PUNCT
aijmsr-187	15	1	fin	fin	NOUN
aijmsr-187	15	2	techs	tech	NOUN
aijmsr-187	15	3	have	have	AUX
aijmsr-187	15	4	changed	change	VERB
aijmsr-187	15	5	how	how	SCONJ
aijmsr-187	15	6	financial	financial	ADJ
aijmsr-187	15	7	services	service	NOUN
aijmsr-187	15	8	are	be	AUX
aijmsr-187	15	9	structured	structure	VERB
aijmsr-187	15	10	,	,	PUNCT
aijmsr-187	15	11	provisioned	provision	VERB
aijmsr-187	15	12	and	and	CCONJ
aijmsr-187	15	13	consumed	consume	VERB
aijmsr-187	15	14	,	,	PUNCT
aijmsr-187	15	15	but	but	CCONJ
aijmsr-187	15	16	have	have	AUX
aijmsr-187	15	17	not	not	PART
aijmsr-187	15	18	successfully	successfully	ADV
aijmsr-187	15	19	established	establish	VERB
aijmsr-187	15	20	themselves	themselves	PRON
aijmsr-187	15	21	as	as	ADP
aijmsr-187	15	22	dominant	dominant	ADJ
aijmsr-187	15	23	players	player	NOUN
aijmsr-187	15	24	.	.	PUNCT
aijmsr-187	16	1	although	although	SCONJ
aijmsr-187	16	2	fin	fin	NOUN
aijmsr-187	16	3	techs	tech	NOUN
aijmsr-187	16	4	have	have	VERB
aijmsr-187	16	5	limited	limit	VERB
aijmsr-187	16	6	success	success	NOUN
aijmsr-187	16	7	in	in	ADP
aijmsr-187	16	8	their	their	PRON
aijmsr-187	16	9	approach	approach	NOUN
aijmsr-187	16	10	with	with	ADP
aijmsr-187	16	11	in	in	ADP
aijmsr-187	16	12	the	the	DET
aijmsr-187	16	13	competitive	competitive	ADJ
aijmsr-187	16	14	landscape	landscape	NOUN
aijmsr-187	16	15	,	,	PUNCT
aijmsr-187	16	16	they	they	PRON
aijmsr-187	16	17	have	have	AUX
aijmsr-187	16	18	laid	lay	VERB
aijmsr-187	16	19	the	the	DET
aijmsr-187	16	20	foundation	foundation	NOUN
aijmsr-187	16	21	for	for	ADP
aijmsr-187	16	22	future	future	ADJ
aijmsr-187	16	23	disruption	disruption	NOUN
aijmsr-187	16	24	.	.	PUNCT
aijmsr-187	17	1	2	2	X
aijmsr-187	17	2	.	.	X
aijmsr-187	17	3	challenges	challenge	NOUN
aijmsr-187	17	4	confronting	confront	VERB
aijmsr-187	17	5	digital	digital	ADJ
aijmsr-187	17	6	pace	pace	NOUN
aijmsr-187	17	7	there	there	PRON
aijmsr-187	17	8	’s	’s	AUX
aijmsr-187	17	9	been	be	AUX
aijmsr-187	17	10	plenty	plenty	NOUN
aijmsr-187	17	11	of	of	ADP
aijmsr-187	17	12	discussion	discussion	NOUN
aijmsr-187	17	13	over	over	ADP
aijmsr-187	17	14	digital	digital	ADJ
aijmsr-187	17	15	transformation	transformation	NOUN
aijmsr-187	17	16	in	in	ADP
aijmsr-187	17	17	the	the	DET
aijmsr-187	17	18	last	last	ADJ
aijmsr-187	17	19	few	few	ADJ
aijmsr-187	17	20	years	year	NOUN
aijmsr-187	17	21	,	,	PUNCT
aijmsr-187	17	22	the	the	DET
aijmsr-187	17	23	challenges	challenge	NOUN
aijmsr-187	17	24	of	of	ADP
aijmsr-187	17	25	this	this	DET
aijmsr-187	17	26	sort	sort	NOUN
aijmsr-187	17	27	of	of	ADP
aijmsr-187	17	28	organizational	organizational	ADJ
aijmsr-187	17	29	change	change	NOUN
aijmsr-187	17	30	have	have	AUX
aijmsr-187	17	31	become	become	VERB
aijmsr-187	17	32	increasingly	increasingly	ADV
aijmsr-187	17	33	evident	evident	ADJ
aijmsr-187	17	34	.	.	PUNCT
aijmsr-187	18	1	digital	digital	ADJ
aijmsr-187	18	2	transformation	transformation	NOUN
aijmsr-187	18	3	remains	remain	VERB
aijmsr-187	18	4	a	a	DET
aijmsr-187	18	5	slippery	slippery	ADJ
aijmsr-187	18	6	eel	eel	NOUN
aijmsr-187	18	7	that	that	SCONJ
aijmsr-187	18	8	financial	financial	ADJ
aijmsr-187	18	9	service	service	NOUN
aijmsr-187	18	10	providers	provider	NOUN
aijmsr-187	18	11	just	just	ADV
aijmsr-187	18	12	ca	can	AUX
aijmsr-187	18	13	n’t	not	PART
aijmsr-187	18	14	seem	seem	VERB
aijmsr-187	18	15	to	to	PART
aijmsr-187	18	16	grab	grab	VERB
aijmsr-187	18	17	on	on	ADP
aijmsr-187	18	18	to	to	ADP
aijmsr-187	18	19	.	.	PROPN
aijmsr-187	18	20	2.1	2.1	NUM
aijmsr-187	18	21	legacy	legacy	NOUN
aijmsr-187	18	22	technology	technology	NOUN
aijmsr-187	18	23	and	and	CCONJ
aijmsr-187	18	24	infrastructure	infrastructure	NOUN
aijmsr-187	18	25	legacy	legacy	NOUN
aijmsr-187	18	26	systems	system	NOUN
aijmsr-187	18	27	and	and	CCONJ
aijmsr-187	18	28	complex	complex	ADJ
aijmsr-187	18	29	process	process	NOUN
aijmsr-187	18	30	architectures	architecture	NOUN
aijmsr-187	18	31	are	be	AUX
aijmsr-187	18	32	limiting	limit	VERB
aijmsr-187	18	33	banks	bank	NOUN
aijmsr-187	18	34	’	'	PUNCT
aijmsr-187	18	35	ability	ability	NOUN
aijmsr-187	18	36	to	to	PART
aijmsr-187	18	37	enhance	enhance	VERB
aijmsr-187	18	38	customer	customer	NOUN
aijmsr-187	18	39	experience	experience	NOUN
aijmsr-187	18	40	,	,	PUNCT
aijmsr-187	18	41	impacting	impact	VERB
aijmsr-187	18	42	their	their	PRON
aijmsr-187	18	43	advanced	advanced	ADJ
aijmsr-187	18	44	analytics	analytic	NOUN
aijmsr-187	18	45	capabilities	capability	NOUN
aijmsr-187	18	46	.	.	PUNCT
aijmsr-187	19	1	in	in	ADP
aijmsr-187	19	2	financial	financial	ADJ
aijmsr-187	19	3	services	service	NOUN
aijmsr-187	19	4	,	,	PUNCT
aijmsr-187	19	5	this	this	PRON
aijmsr-187	19	6	often	often	ADV
aijmsr-187	19	7	happens	happen	VERB
aijmsr-187	19	8	because	because	SCONJ
aijmsr-187	19	9	established	establish	VERB
aijmsr-187	19	10	players	player	NOUN
aijmsr-187	19	11	are	be	AUX
aijmsr-187	19	12	rapidly	rapidly	ADV
aijmsr-187	19	13	bringing	bring	VERB
aijmsr-187	19	14	in	in	ADP
aijmsr-187	19	15	new	new	ADJ
aijmsr-187	19	16	technologies	technology	NOUN
aijmsr-187	19	17	through	through	ADP
aijmsr-187	19	18	acquisitions	acquisition	NOUN
aijmsr-187	19	19	or	or	CCONJ
aijmsr-187	19	20	mergers	merger	NOUN
aijmsr-187	19	21	,	,	PUNCT
aijmsr-187	19	22	creating	create	VERB
aijmsr-187	19	23	an	an	DET
aijmsr-187	19	24	architecture	architecture	NOUN
aijmsr-187	19	25	that	that	PRON
aijmsr-187	19	26	’s	’	VERB
aijmsr-187	19	27	a	a	DET
aijmsr-187	19	28	frankenstein	frankenstein	ADJ
aijmsr-187	19	29	project	project	NOUN
aijmsr-187	19	30	of	of	ADP
aijmsr-187	19	31	smaller	small	ADJ
aijmsr-187	19	32	pieces	piece	NOUN
aijmsr-187	19	33	.	.	PUNCT
aijmsr-187	20	1	it	it	PRON
aijmsr-187	20	2	’s	’	VERB
aijmsr-187	20	3	not	not	PART
aijmsr-187	20	4	sustainable	sustainable	ADJ
aijmsr-187	20	5	,	,	PUNCT
aijmsr-187	20	6	and	and	CCONJ
aijmsr-187	20	7	it	it	PRON
aijmsr-187	20	8	does	do	AUX
aijmsr-187	20	9	n’t	not	PART
aijmsr-187	20	10	scale	scale	VERB
aijmsr-187	20	11	well	well	ADV
aijmsr-187	20	12	.	.	PUNCT
aijmsr-187	21	1	this	this	PRON
aijmsr-187	21	2	is	be	AUX
aijmsr-187	21	3	a	a	DET
aijmsr-187	21	4	problem	problem	NOUN
aijmsr-187	21	5	particularly	particularly	ADV
aijmsr-187	21	6	poignant	poignant	ADJ
aijmsr-187	21	7	in	in	ADP
aijmsr-187	21	8	well	well	ADV
aijmsr-187	21	9	-	-	PUNCT
aijmsr-187	21	10	established	establish	VERB
aijmsr-187	21	11	financial	financial	ADJ
aijmsr-187	21	12	services	service	NOUN
aijmsr-187	21	13	companies	company	NOUN
aijmsr-187	21	14	that	that	PRON
aijmsr-187	21	15	may	may	AUX
aijmsr-187	21	16	have	have	AUX
aijmsr-187	21	17	been	be	AUX
aijmsr-187	21	18	architecting	architecte	VERB
aijmsr-187	21	19	piecemeal	piecemeal	ADV
aijmsr-187	21	20	on	on	ADP
aijmsr-187	21	21	the	the	DET
aijmsr-187	21	22	backwww.cribfb.com/journal/index.php/aijmsr	backwww.cribfb.com/journal/index.php/aijmsr	PROPN
aijmsr-187	21	23	american	american	PROPN
aijmsr-187	21	24	international	international	PROPN
aijmsr-187	21	25	journal	journal	PROPN
aijmsr-187	21	26	of	of	ADP
aijmsr-187	21	27	multidisciplinary	multidisciplinary	ADJ
aijmsr-187	21	28	scientific	scientific	ADJ
aijmsr-187	21	29	research	research	NOUN
aijmsr-187	21	30	vol	vol	NOUN
aijmsr-187	21	31	.	.	PROPN
aijmsr-187	22	1	1	1	NUM
aijmsr-187	22	2	,	,	PUNCT
aijmsr-187	22	3	no	no	INTJ
aijmsr-187	22	4	.	.	NOUN
aijmsr-187	22	5	3	3	NUM
aijmsr-187	22	6	;	;	PUNCT
aijmsr-187	22	7	2018	2018	NUM
aijmsr-187	22	8	2	2	NUM
aijmsr-187	22	9	end	end	NOUN
aijmsr-187	22	10	for	for	ADP
aijmsr-187	22	11	years	year	NOUN
aijmsr-187	22	12	.	.	PUNCT
aijmsr-187	23	1	building	build	VERB
aijmsr-187	23	2	a	a	DET
aijmsr-187	23	3	new	new	ADJ
aijmsr-187	23	4	,	,	PUNCT
aijmsr-187	23	5	ideal	ideal	ADJ
aijmsr-187	23	6	solution	solution	NOUN
aijmsr-187	23	7	from	from	ADP
aijmsr-187	23	8	scratch	scratch	NOUN
aijmsr-187	23	9	is	be	AUX
aijmsr-187	23	10	not	not	PART
aijmsr-187	23	11	a	a	DET
aijmsr-187	23	12	practical	practical	ADJ
aijmsr-187	23	13	option	option	NOUN
aijmsr-187	23	14	from	from	ADP
aijmsr-187	23	15	a	a	DET
aijmsr-187	23	16	fiscal	fiscal	ADJ
aijmsr-187	23	17	or	or	CCONJ
aijmsr-187	23	18	timeline	timeline	NOUN
aijmsr-187	23	19	standpoint	standpoint	NOUN
aijmsr-187	23	20	.	.	PUNCT
aijmsr-187	24	1	people	people	NOUN
aijmsr-187	24	2	want	want	VERB
aijmsr-187	24	3	to	to	PART
aijmsr-187	24	4	create	create	VERB
aijmsr-187	24	5	something	something	PRON
aijmsr-187	24	6	new	new	ADJ
aijmsr-187	24	7	,	,	PUNCT
aijmsr-187	24	8	not	not	PART
aijmsr-187	24	9	pay	pay	VERB
aijmsr-187	24	10	for	for	ADP
aijmsr-187	24	11	problems	problem	NOUN
aijmsr-187	24	12	that	that	PRON
aijmsr-187	24	13	are	be	AUX
aijmsr-187	24	14	already	already	ADV
aijmsr-187	24	15	there	there	ADV
aijmsr-187	24	16	.	.	PUNCT
aijmsr-187	25	1	however	however	ADV
aijmsr-187	25	2	,	,	PUNCT
aijmsr-187	25	3	it	it	PRON
aijmsr-187	25	4	is	be	AUX
aijmsr-187	25	5	very	very	ADV
aijmsr-187	25	6	necessary	necessary	ADJ
aijmsr-187	25	7	for	for	ADP
aijmsr-187	25	8	building	build	VERB
aijmsr-187	25	9	a	a	DET
aijmsr-187	25	10	robust	robust	ADJ
aijmsr-187	25	11	digital	digital	ADJ
aijmsr-187	25	12	business	business	NOUN
aijmsr-187	25	13	that	that	PRON
aijmsr-187	25	14	will	will	AUX
aijmsr-187	25	15	survive	survive	VERB
aijmsr-187	25	16	long	long	ADJ
aijmsr-187	25	17	-	-	PUNCT
aijmsr-187	25	18	term	term	NOUN
aijmsr-187	25	19	.	.	PUNCT
aijmsr-187	26	1	2.2	2.2	NUM
aijmsr-187	26	2	supports	support	NOUN
aijmsr-187	26	3	for	for	ADP
aijmsr-187	26	4	change	change	NOUN
aijmsr-187	26	5	digital	digital	ADJ
aijmsr-187	26	6	transformation	transformation	NOUN
aijmsr-187	26	7	is	be	AUX
aijmsr-187	26	8	not	not	PART
aijmsr-187	26	9	just	just	ADV
aijmsr-187	26	10	about	about	ADP
aijmsr-187	26	11	technology	technology	NOUN
aijmsr-187	26	12	,	,	PUNCT
aijmsr-187	26	13	it	it	PRON
aijmsr-187	26	14	’s	’	VERB
aijmsr-187	26	15	also	also	ADV
aijmsr-187	26	16	about	about	ADP
aijmsr-187	26	17	business	business	NOUN
aijmsr-187	26	18	process	process	NOUN
aijmsr-187	26	19	and	and	CCONJ
aijmsr-187	26	20	organizational	organizational	ADJ
aijmsr-187	26	21	changes	change	NOUN
aijmsr-187	26	22	.	.	PUNCT
aijmsr-187	27	1	organizations	organization	NOUN
aijmsr-187	27	2	that	that	PRON
aijmsr-187	27	3	want	want	VERB
aijmsr-187	27	4	to	to	PART
aijmsr-187	27	5	be	be	AUX
aijmsr-187	27	6	successful	successful	ADJ
aijmsr-187	27	7	with	with	ADP
aijmsr-187	27	8	their	their	PRON
aijmsr-187	27	9	digital	digital	ADJ
aijmsr-187	27	10	transformations	transformation	NOUN
aijmsr-187	27	11	need	need	VERB
aijmsr-187	27	12	to	to	PART
aijmsr-187	27	13	start	start	VERB
aijmsr-187	27	14	by	by	ADP
aijmsr-187	27	15	aligning	align	VERB
aijmsr-187	27	16	stakeholders	stakeholder	NOUN
aijmsr-187	27	17	from	from	ADP
aijmsr-187	27	18	across	across	ADP
aijmsr-187	27	19	all	all	DET
aijmsr-187	27	20	facets	facet	NOUN
aijmsr-187	27	21	of	of	ADP
aijmsr-187	27	22	the	the	DET
aijmsr-187	27	23	organization	organization	NOUN
aijmsr-187	27	24	behind	behind	ADP
aijmsr-187	27	25	the	the	DET
aijmsr-187	27	26	company	company	NOUN
aijmsr-187	27	27	’s	’s	PART
aijmsr-187	27	28	innovation	innovation	NOUN
aijmsr-187	27	29	efforts	effort	NOUN
aijmsr-187	27	30	.	.	PUNCT
aijmsr-187	28	1	having	have	VERB
aijmsr-187	28	2	the	the	DET
aijmsr-187	28	3	team	team	NOUN
aijmsr-187	28	4	working	work	VERB
aijmsr-187	28	5	off	off	ADP
aijmsr-187	28	6	of	of	ADP
aijmsr-187	28	7	the	the	DET
aijmsr-187	28	8	same	same	ADJ
aijmsr-187	28	9	playbook	playbook	NOUN
aijmsr-187	28	10	and	and	CCONJ
aijmsr-187	28	11	finding	find	VERB
aijmsr-187	28	12	ways	way	NOUN
aijmsr-187	28	13	to	to	PART
aijmsr-187	28	14	build	build	VERB
aijmsr-187	28	15	on	on	ADP
aijmsr-187	28	16	technologies	technology	NOUN
aijmsr-187	28	17	being	be	AUX
aijmsr-187	28	18	deployed	deploy	VERB
aijmsr-187	28	19	throughout	throughout	ADP
aijmsr-187	28	20	the	the	DET
aijmsr-187	28	21	organization	organization	NOUN
aijmsr-187	28	22	is	be	AUX
aijmsr-187	28	23	vital	vital	ADJ
aijmsr-187	28	24	.	.	PUNCT
aijmsr-187	29	1	there	there	PRON
aijmsr-187	29	2	are	be	VERB
aijmsr-187	29	3	many	many	ADJ
aijmsr-187	29	4	other	other	ADJ
aijmsr-187	29	5	challenges	challenge	NOUN
aijmsr-187	29	6	currently	currently	ADV
aijmsr-187	29	7	faced	face	VERB
aijmsr-187	29	8	by	by	ADP
aijmsr-187	29	9	financial	financial	ADJ
aijmsr-187	29	10	institutions	institution	NOUN
aijmsr-187	29	11	however	however	ADV
aijmsr-187	29	12	the	the	DET
aijmsr-187	29	13	in	in	ADP
aijmsr-187	29	14	-	-	PUNCT
aijmsr-187	29	15	depth	depth	NOUN
aijmsr-187	29	16	coverage	coverage	NOUN
aijmsr-187	29	17	is	be	AUX
aijmsr-187	29	18	not	not	PART
aijmsr-187	29	19	the	the	DET
aijmsr-187	29	20	prime	prime	ADJ
aijmsr-187	29	21	focus	focus	NOUN
aijmsr-187	29	22	of	of	ADP
aijmsr-187	29	23	this	this	DET
aijmsr-187	29	24	paper	paper	NOUN
aijmsr-187	29	25	.	.	PUNCT
aijmsr-187	30	1	3	3	X
aijmsr-187	30	2	.	.	X
aijmsr-187	30	3	opportunities	opportunity	NOUN
aijmsr-187	30	4	strategic	strategic	ADJ
aijmsr-187	30	5	choices	choice	NOUN
aijmsr-187	30	6	in	in	ADP
aijmsr-187	30	7	digital	digital	ADJ
aijmsr-187	30	8	age	age	NOUN
aijmsr-187	30	9	the	the	DET
aijmsr-187	30	10	digital	digital	ADJ
aijmsr-187	30	11	transformation	transformation	NOUN
aijmsr-187	30	12	process	process	NOUN
aijmsr-187	30	13	of	of	ADP
aijmsr-187	30	14	the	the	DET
aijmsr-187	30	15	financial	financial	ADJ
aijmsr-187	30	16	sector	sector	NOUN
aijmsr-187	30	17	involves	involve	VERB
aijmsr-187	30	18	adapting	adapt	VERB
aijmsr-187	30	19	to	to	ADP
aijmsr-187	30	20	the	the	DET
aijmsr-187	30	21	new	new	ADJ
aijmsr-187	30	22	digital	digital	ADJ
aijmsr-187	30	23	client	client	NOUN
aijmsr-187	30	24	,	,	PUNCT
aijmsr-187	30	25	reinventing	reinvent	VERB
aijmsr-187	30	26	the	the	DET
aijmsr-187	30	27	value	value	NOUN
aijmsr-187	30	28	proposition	proposition	NOUN
aijmsr-187	30	29	(	(	PUNCT
aijmsr-187	30	30	even	even	ADV
aijmsr-187	30	31	beyond	beyond	ADP
aijmsr-187	30	32	what	what	PRON
aijmsr-187	30	33	is	be	AUX
aijmsr-187	30	34	strictly	strictly	ADV
aijmsr-187	30	35	financial	financial	ADJ
aijmsr-187	30	36	)	)	PUNCT
aijmsr-187	30	37	and	and	CCONJ
aijmsr-187	30	38	being	be	AUX
aijmsr-187	30	39	able	able	ADJ
aijmsr-187	30	40	to	to	PART
aijmsr-187	30	41	create	create	VERB
aijmsr-187	30	42	new	new	ADJ
aijmsr-187	30	43	business	business	NOUN
aijmsr-187	30	44	models	model	NOUN
aijmsr-187	30	45	based	base	VERB
aijmsr-187	30	46	on	on	ADP
aijmsr-187	30	47	technologies	technology	NOUN
aijmsr-187	30	48	such	such	ADJ
aijmsr-187	30	49	as	as	ADP
aijmsr-187	30	50	cloud	cloud	NOUN
aijmsr-187	30	51	,	,	PUNCT
aijmsr-187	30	52	mobility	mobility	NOUN
aijmsr-187	30	53	,	,	PUNCT
aijmsr-187	30	54	big	big	ADJ
aijmsr-187	30	55	data	datum	NOUN
aijmsr-187	30	56	and	and	CCONJ
aijmsr-187	30	57	analytics	analytic	NOUN
aijmsr-187	30	58	.	.	PUNCT
aijmsr-187	31	1	the	the	DET
aijmsr-187	31	2	first	first	ADJ
aijmsr-187	31	3	major	major	ADJ
aijmsr-187	31	4	challenge	challenge	NOUN
aijmsr-187	31	5	is	be	AUX
aijmsr-187	31	6	to	to	PART
aijmsr-187	31	7	keep	keep	VERB
aijmsr-187	31	8	moving	move	VERB
aijmsr-187	31	9	to	to	PART
aijmsr-187	31	10	adopt	adopt	VERB
aijmsr-187	31	11	a	a	DET
aijmsr-187	31	12	true	true	ADJ
aijmsr-187	31	13	customer	customer	NOUN
aijmsr-187	31	14	centricity	centricity	NOUN
aijmsr-187	31	15	strategy	strategy	NOUN
aijmsr-187	31	16	that	that	PRON
aijmsr-187	31	17	focuses	focus	VERB
aijmsr-187	31	18	on	on	ADP
aijmsr-187	31	19	the	the	DET
aijmsr-187	31	20	customer	customer	NOUN
aijmsr-187	31	21	as	as	ADP
aijmsr-187	31	22	the	the	DET
aijmsr-187	31	23	center	center	NOUN
aijmsr-187	31	24	of	of	ADP
aijmsr-187	31	25	all	all	DET
aijmsr-187	31	26	business	business	NOUN
aijmsr-187	31	27	decisions	decision	NOUN
aijmsr-187	31	28	.	.	PUNCT
aijmsr-187	32	1	there	there	PRON
aijmsr-187	32	2	is	be	VERB
aijmsr-187	32	3	no	no	DET
aijmsr-187	32	4	alternative	alternative	NOUN
aijmsr-187	32	5	since	since	SCONJ
aijmsr-187	32	6	in	in	ADP
aijmsr-187	32	7	the	the	DET
aijmsr-187	32	8	digital	digital	ADJ
aijmsr-187	32	9	age	age	NOUN
aijmsr-187	32	10	the	the	DET
aijmsr-187	32	11	customer	customer	NOUN
aijmsr-187	32	12	has	have	VERB
aijmsr-187	32	13	plenty	plenty	NOUN
aijmsr-187	32	14	of	of	ADP
aijmsr-187	32	15	information	information	NOUN
aijmsr-187	32	16	at	at	ADP
aijmsr-187	32	17	his	his	PRON
aijmsr-187	32	18	fingertips	fingertip	NOUN
aijmsr-187	32	19	and	and	CCONJ
aijmsr-187	32	20	a	a	DET
aijmsr-187	32	21	greater	great	ADJ
aijmsr-187	32	22	power	power	NOUN
aijmsr-187	32	23	.	.	PUNCT
aijmsr-187	33	1	this	this	DET
aijmsr-187	33	2	reality	reality	NOUN
aijmsr-187	33	3	requires	require	VERB
aijmsr-187	33	4	bank	bank	NOUN
aijmsr-187	33	5	institutions	institution	NOUN
aijmsr-187	33	6	to	to	PART
aijmsr-187	33	7	respond	respond	VERB
aijmsr-187	33	8	to	to	ADP
aijmsr-187	33	9	interaction	interaction	NOUN
aijmsr-187	33	10	and	and	CCONJ
aijmsr-187	33	11	service	service	NOUN
aijmsr-187	33	12	models	model	NOUN
aijmsr-187	33	13	that	that	PRON
aijmsr-187	33	14	the	the	DET
aijmsr-187	33	15	digital	digital	ADJ
aijmsr-187	33	16	customer	customer	NOUN
aijmsr-187	33	17	already	already	ADV
aijmsr-187	33	18	has	have	VERB
aijmsr-187	33	19	.	.	PUNCT
aijmsr-187	34	1	in	in	ADP
aijmsr-187	34	2	this	this	DET
aijmsr-187	34	3	sense	sense	NOUN
aijmsr-187	34	4	,	,	PUNCT
aijmsr-187	34	5	understanding	understanding	NOUN
aijmsr-187	34	6	,	,	PUNCT
aijmsr-187	34	7	learning	learn	VERB
aijmsr-187	34	8	how	how	SCONJ
aijmsr-187	34	9	to	to	PART
aijmsr-187	34	10	interact	interact	VERB
aijmsr-187	34	11	and	and	CCONJ
aijmsr-187	34	12	meeting	meet	VERB
aijmsr-187	34	13	the	the	DET
aijmsr-187	34	14	needs	need	NOUN
aijmsr-187	34	15	of	of	ADP
aijmsr-187	34	16	new	new	ADJ
aijmsr-187	34	17	customers	customer	NOUN
aijmsr-187	34	18	are	be	AUX
aijmsr-187	34	19	still	still	ADV
aijmsr-187	34	20	key	key	ADJ
aijmsr-187	34	21	aspects	aspect	NOUN
aijmsr-187	34	22	to	to	PART
aijmsr-187	34	23	maintain	maintain	VERB
aijmsr-187	34	24	and	and	CCONJ
aijmsr-187	34	25	ensure	ensure	VERB
aijmsr-187	34	26	competitiveness	competitiveness	NOUN
aijmsr-187	34	27	within	within	ADP
aijmsr-187	34	28	the	the	DET
aijmsr-187	34	29	sector	sector	NOUN
aijmsr-187	34	30	.	.	PUNCT
aijmsr-187	35	1	there	there	PRON
aijmsr-187	35	2	are	be	VERB
aijmsr-187	35	3	four	four	NUM
aijmsr-187	35	4	fundamental	fundamental	ADJ
aijmsr-187	35	5	ways	way	NOUN
aijmsr-187	35	6	in	in	ADP
aijmsr-187	35	7	which	which	PRON
aijmsr-187	35	8	digital	digital	ADJ
aijmsr-187	35	9	capabilities	capability	NOUN
aijmsr-187	35	10	can	can	AUX
aijmsr-187	35	11	be	be	AUX
aijmsr-187	35	12	used	use	VERB
aijmsr-187	35	13	by	by	ADP
aijmsr-187	35	14	banks	bank	NOUN
aijmsr-187	35	15	to	to	PART
aijmsr-187	35	16	create	create	VERB
aijmsr-187	35	17	value	value	NOUN
aijmsr-187	35	18	.	.	PUNCT
aijmsr-187	36	1	first	first	ADV
aijmsr-187	36	2	,	,	PUNCT
aijmsr-187	36	3	digital	digital	ADJ
aijmsr-187	36	4	technologies	technology	NOUN
aijmsr-187	36	5	increase	increase	VERB
aijmsr-187	36	6	a	a	DET
aijmsr-187	36	7	bank	bank	NOUN
aijmsr-187	36	8	’s	’s	PART
aijmsr-187	36	9	connectivity	connectivity	NOUN
aijmsr-187	36	10	—	—	PUNCT
aijmsr-187	36	11	not	not	PART
aijmsr-187	36	12	just	just	ADV
aijmsr-187	36	13	with	with	ADP
aijmsr-187	36	14	customers	customer	NOUN
aijmsr-187	36	15	but	but	CCONJ
aijmsr-187	36	16	also	also	ADV
aijmsr-187	36	17	with	with	ADP
aijmsr-187	36	18	employees	employee	NOUN
aijmsr-187	36	19	and	and	CCONJ
aijmsr-187	36	20	suppliers	supplier	NOUN
aijmsr-187	36	21	.	.	PUNCT
aijmsr-187	37	1	this	this	PRON
aijmsr-187	37	2	extends	extend	VERB
aijmsr-187	37	3	from	from	ADP
aijmsr-187	37	4	online	online	ADJ
aijmsr-187	37	5	interactivity	interactivity	NOUN
aijmsr-187	37	6	and	and	CCONJ
aijmsr-187	37	7	payment	payment	NOUN
aijmsr-187	37	8	solutions	solution	NOUN
aijmsr-187	37	9	to	to	ADP
aijmsr-187	37	10	mobile	mobile	ADJ
aijmsr-187	37	11	functionality	functionality	NOUN
aijmsr-187	37	12	and	and	CCONJ
aijmsr-187	37	13	opportunities	opportunity	NOUN
aijmsr-187	37	14	to	to	PART
aijmsr-187	37	15	boost	boost	VERB
aijmsr-187	37	16	bank	bank	NOUN
aijmsr-187	37	17	brands	brand	NOUN
aijmsr-187	37	18	in	in	ADP
aijmsr-187	37	19	social	social	ADJ
aijmsr-187	37	20	media	medium	NOUN
aijmsr-187	37	21	.	.	PUNCT
aijmsr-187	38	1	second	second	ADJ
aijmsr-187	38	2	,	,	PUNCT
aijmsr-187	38	3	digital	digital	ADJ
aijmsr-187	38	4	draws	draw	VERB
aijmsr-187	38	5	on	on	ADP
aijmsr-187	38	6	big	big	ADJ
aijmsr-187	38	7	data	datum	NOUN
aijmsr-187	38	8	and	and	CCONJ
aijmsr-187	38	9	advanced	advanced	ADJ
aijmsr-187	38	10	analytics	analytic	NOUN
aijmsr-187	38	11	to	to	PART
aijmsr-187	38	12	extend	extend	VERB
aijmsr-187	38	13	and	and	CCONJ
aijmsr-187	38	14	refine	refine	VERB
aijmsr-187	38	15	decision	decision	NOUN
aijmsr-187	38	16	making	making	NOUN
aijmsr-187	38	17	.	.	PUNCT
aijmsr-187	39	1	such	such	ADJ
aijmsr-187	39	2	analytics	analytic	NOUN
aijmsr-187	39	3	are	be	AUX
aijmsr-187	39	4	being	be	AUX
aijmsr-187	39	5	deployed	deploy	VERB
aijmsr-187	39	6	by	by	ADP
aijmsr-187	39	7	the	the	DET
aijmsr-187	39	8	most	most	ADV
aijmsr-187	39	9	innovative	innovative	ADJ
aijmsr-187	39	10	banks	bank	NOUN
aijmsr-187	39	11	in	in	ADP
aijmsr-187	39	12	many	many	ADJ
aijmsr-187	39	13	areas	area	NOUN
aijmsr-187	39	14	,	,	PUNCT
aijmsr-187	39	15	including	include	VERB
aijmsr-187	39	16	sales	sale	NOUN
aijmsr-187	39	17	,	,	PUNCT
aijmsr-187	39	18	product	product	NOUN
aijmsr-187	39	19	design	design	NOUN
aijmsr-187	39	20	,	,	PUNCT
aijmsr-187	39	21	pricing	pricing	NOUN
aijmsr-187	39	22	and	and	CCONJ
aijmsr-187	39	23	underwriting	underwriting	NOUN
aijmsr-187	39	24	,	,	PUNCT
aijmsr-187	39	25	and	and	CCONJ
aijmsr-187	39	26	the	the	DET
aijmsr-187	39	27	design	design	NOUN
aijmsr-187	39	28	of	of	ADP
aijmsr-187	39	29	truly	truly	ADV
aijmsr-187	39	30	amazing	amazing	ADJ
aijmsr-187	39	31	customer	customer	NOUN
aijmsr-187	39	32	experiences	experience	NOUN
aijmsr-187	39	33	.	.	PUNCT
aijmsr-187	40	1	a	a	DET
aijmsr-187	40	2	third	third	ADJ
aijmsr-187	40	3	way	way	NOUN
aijmsr-187	40	4	that	that	PRON
aijmsr-187	40	5	digital	digital	ADJ
aijmsr-187	40	6	creates	create	VERB
aijmsr-187	40	7	value	value	NOUN
aijmsr-187	40	8	is	be	AUX
aijmsr-187	40	9	by	by	ADP
aijmsr-187	40	10	enabling	enable	VERB
aijmsr-187	40	11	straight	straight	ADJ
aijmsr-187	40	12	-	-	PUNCT
aijmsr-187	40	13	through	through	ADP
aijmsr-187	40	14	processing	processing	NOUN
aijmsr-187	40	15	—	—	PUNCT
aijmsr-187	40	16	that	that	ADV
aijmsr-187	40	17	is	is	ADV
aijmsr-187	40	18	,	,	PUNCT
aijmsr-187	40	19	automating	automate	VERB
aijmsr-187	40	20	and	and	CCONJ
aijmsr-187	40	21	digitizing	digitize	VERB
aijmsr-187	40	22	a	a	DET
aijmsr-187	40	23	number	number	NOUN
aijmsr-187	40	24	of	of	ADP
aijmsr-187	40	25	repetitive	repetitive	ADJ
aijmsr-187	40	26	,	,	PUNCT
aijmsr-187	40	27	finally	finally	ADV
aijmsr-187	40	28	,	,	PUNCT
aijmsr-187	40	29	digitization	digitization	NOUN
aijmsr-187	40	30	is	be	AUX
aijmsr-187	40	31	a	a	DET
aijmsr-187	40	32	means	means	NOUN
aijmsr-187	40	33	of	of	ADP
aijmsr-187	40	34	fostering	foster	VERB
aijmsr-187	40	35	innovation	innovation	NOUN
aijmsr-187	40	36	across	across	ADP
aijmsr-187	40	37	products	product	NOUN
aijmsr-187	40	38	and	and	CCONJ
aijmsr-187	40	39	business	business	NOUN
aijmsr-187	40	40	models	model	NOUN
aijmsr-187	40	41	.	.	PUNCT
aijmsr-187	41	1	examples	example	NOUN
aijmsr-187	41	2	of	of	ADP
aijmsr-187	41	3	this	this	PRON
aijmsr-187	41	4	include	include	VERB
aijmsr-187	41	5	social	social	ADJ
aijmsr-187	41	6	marketing	marketing	NOUN
aijmsr-187	41	7	and	and	CCONJ
aijmsr-187	41	8	crowd	crowd	NOUN
aijmsr-187	41	9	sourced	source	VERB
aijmsr-187	41	10	support	support	NOUN
aijmsr-187	41	11	,	,	PUNCT
aijmsr-187	41	12	as	as	ADV
aijmsr-187	41	13	well	well	ADV
aijmsr-187	41	14	as	as	ADP
aijmsr-187	41	15	“	"	PUNCT
aijmsr-187	41	16	digitally	digitally	ADV
aijmsr-187	41	17	centered	center	VERB
aijmsr-187	41	18	”	"	PUNCT
aijmsr-187	41	19	business	business	NOUN
aijmsr-187	41	20	models	model	NOUN
aijmsr-187	41	21	.	.	PUNCT
aijmsr-187	42	1	4	4	X
aijmsr-187	42	2	.	.	X
aijmsr-187	42	3	role	role	NOUN
aijmsr-187	42	4	of	of	ADP
aijmsr-187	42	5	fin	fin	NOUN
aijmsr-187	42	6	techs	tech	NOUN
aijmsr-187	42	7	following	follow	VERB
aijmsr-187	42	8	years	year	NOUN
aijmsr-187	42	9	of	of	ADP
aijmsr-187	42	10	dominance	dominance	NOUN
aijmsr-187	42	11	by	by	ADP
aijmsr-187	42	12	large	large	ADJ
aijmsr-187	42	13	institutions	institution	NOUN
aijmsr-187	42	14	,	,	PUNCT
aijmsr-187	42	15	the	the	DET
aijmsr-187	42	16	industry	industry	NOUN
aijmsr-187	42	17	is	be	AUX
aijmsr-187	42	18	undergoing	undergo	VERB
aijmsr-187	42	19	incredible	incredible	ADJ
aijmsr-187	42	20	disruption	disruption	NOUN
aijmsr-187	42	21	in	in	ADP
aijmsr-187	42	22	the	the	DET
aijmsr-187	42	23	form	form	NOUN
aijmsr-187	42	24	of	of	ADP
aijmsr-187	42	25	nimble	nimble	ADJ
aijmsr-187	42	26	,	,	PUNCT
aijmsr-187	42	27	tech	tech	NOUN
aijmsr-187	42	28	-	-	PUNCT
aijmsr-187	42	29	savvy	savvy	ADJ
aijmsr-187	42	30	startups	startup	NOUN
aijmsr-187	42	31	.	.	PUNCT
aijmsr-187	43	1	well	well	ADV
aijmsr-187	43	2	-	-	PUNCT
aijmsr-187	43	3	established	establish	VERB
aijmsr-187	43	4	financial	financial	ADJ
aijmsr-187	43	5	services	service	NOUN
aijmsr-187	43	6	companies	company	NOUN
aijmsr-187	43	7	are	be	AUX
aijmsr-187	43	8	increasingly	increasingly	ADV
aijmsr-187	43	9	finding	find	VERB
aijmsr-187	43	10	themselves	themselves	PRON
aijmsr-187	43	11	confronted	confront	VERB
aijmsr-187	43	12	with	with	ADP
aijmsr-187	43	13	fast	fast	ADV
aijmsr-187	43	14	-	-	PUNCT
aijmsr-187	43	15	moving	move	VERB
aijmsr-187	43	16	fintech	fintech	NOUN
aijmsr-187	43	17	disruption	disruption	NOUN
aijmsr-187	43	18	.	.	PUNCT
aijmsr-187	44	1	fintech	fintech	NOUN
aijmsr-187	44	2	companies	company	NOUN
aijmsr-187	44	3	are	be	AUX
aijmsr-187	44	4	currently	currently	ADV
aijmsr-187	44	5	very	very	ADV
aijmsr-187	44	6	active	active	ADJ
aijmsr-187	44	7	at	at	ADP
aijmsr-187	44	8	trying	try	VERB
aijmsr-187	44	9	to	to	PART
aijmsr-187	44	10	disrupt	disrupt	VERB
aijmsr-187	44	11	the	the	DET
aijmsr-187	44	12	financial	financial	ADJ
aijmsr-187	44	13	services	service	NOUN
aijmsr-187	44	14	market	market	NOUN
aijmsr-187	44	15	.	.	PUNCT
aijmsr-187	45	1	there	there	PRON
aijmsr-187	45	2	is	be	VERB
aijmsr-187	45	3	a	a	DET
aijmsr-187	45	4	huge	huge	ADJ
aijmsr-187	45	5	funding	funding	NOUN
aijmsr-187	45	6	boom	boom	NOUN
aijmsr-187	45	7	happening	happen	VERB
aijmsr-187	45	8	in	in	ADP
aijmsr-187	45	9	financial	financial	ADJ
aijmsr-187	45	10	services	service	NOUN
aijmsr-187	45	11	,	,	PUNCT
aijmsr-187	45	12	similar	similar	ADJ
aijmsr-187	45	13	to	to	ADP
aijmsr-187	45	14	the	the	DET
aijmsr-187	45	15	one	one	NOUN
aijmsr-187	45	16	that	that	PRON
aijmsr-187	45	17	happened	happen	VERB
aijmsr-187	45	18	in	in	ADP
aijmsr-187	45	19	the	the	DET
aijmsr-187	45	20	2000s	2000	NOUN
aijmsr-187	45	21	,	,	PUNCT
aijmsr-187	45	22	when	when	SCONJ
aijmsr-187	45	23	the	the	DET
aijmsr-187	45	24	internet	internet	NOUN
aijmsr-187	45	25	was	be	AUX
aijmsr-187	45	26	starting	start	VERB
aijmsr-187	45	27	to	to	PART
aijmsr-187	45	28	take	take	VERB
aijmsr-187	45	29	off	off	ADP
aijmsr-187	45	30	and	and	CCONJ
aijmsr-187	45	31	there	there	PRON
aijmsr-187	45	32	was	be	VERB
aijmsr-187	45	33	a	a	DET
aijmsr-187	45	34	lot	lot	NOUN
aijmsr-187	45	35	of	of	ADP
aijmsr-187	45	36	money	money	NOUN
aijmsr-187	45	37	chasing	chase	VERB
aijmsr-187	45	38	a	a	DET
aijmsr-187	45	39	lot	lot	NOUN
aijmsr-187	45	40	of	of	ADP
aijmsr-187	45	41	different	different	ADJ
aijmsr-187	45	42	ideas	idea	NOUN
aijmsr-187	45	43	.	.	PUNCT
aijmsr-187	46	1	the	the	DET
aijmsr-187	46	2	digital	digital	ADJ
aijmsr-187	46	3	shift	shift	NOUN
aijmsr-187	46	4	underway	underway	ADV
aijmsr-187	46	5	in	in	ADP
aijmsr-187	46	6	the	the	DET
aijmsr-187	46	7	fintech	fintech	NOUN
aijmsr-187	46	8	sector	sector	NOUN
aijmsr-187	46	9	has	have	AUX
aijmsr-187	46	10	pushed	push	VERB
aijmsr-187	46	11	innovation	innovation	NOUN
aijmsr-187	46	12	to	to	ADP
aijmsr-187	46	13	a	a	DET
aijmsr-187	46	14	whole	whole	ADJ
aijmsr-187	46	15	new	new	ADJ
aijmsr-187	46	16	level	level	NOUN
aijmsr-187	46	17	,	,	PUNCT
aijmsr-187	46	18	across	across	ADP
aijmsr-187	46	19	the	the	DET
aijmsr-187	46	20	globe	globe	NOUN
aijmsr-187	46	21	.	.	PUNCT
aijmsr-187	47	1	levering	lever	VERB
aijmsr-187	47	2	the	the	DET
aijmsr-187	47	3	potential	potential	NOUN
aijmsr-187	47	4	of	of	ADP
aijmsr-187	47	5	ai	ai	NOUN
aijmsr-187	47	6	,	,	PUNCT
aijmsr-187	47	7	particularly	particularly	ADV
aijmsr-187	47	8	in	in	ADP
aijmsr-187	47	9	the	the	DET
aijmsr-187	47	10	fintech	fintech	NOUN
aijmsr-187	47	11	arena	arena	NOUN
aijmsr-187	47	12	,	,	PUNCT
aijmsr-187	47	13	will	will	AUX
aijmsr-187	47	14	revolutionize	revolutionize	VERB
aijmsr-187	47	15	the	the	DET
aijmsr-187	47	16	relationship	relationship	NOUN
aijmsr-187	47	17	between	between	ADP
aijmsr-187	47	18	humans	human	NOUN
aijmsr-187	47	19	and	and	CCONJ
aijmsr-187	47	20	machines	machine	NOUN
aijmsr-187	47	21	.	.	PUNCT
aijmsr-187	48	1	and	and	CCONJ
aijmsr-187	48	2	one	one	NUM
aijmsr-187	48	3	of	of	ADP
aijmsr-187	48	4	the	the	DET
aijmsr-187	48	5	key	key	ADJ
aijmsr-187	48	6	aspects	aspect	NOUN
aijmsr-187	48	7	will	will	AUX
aijmsr-187	48	8	be	be	AUX
aijmsr-187	48	9	to	to	PART
aijmsr-187	48	10	use	use	VERB
aijmsr-187	48	11	cognitive	cognitive	ADJ
aijmsr-187	48	12	systems	system	NOUN
aijmsr-187	48	13	to	to	PART
aijmsr-187	48	14	amplify	amplify	VERB
aijmsr-187	48	15	human	human	ADJ
aijmsr-187	48	16	intelligence	intelligence	NOUN
aijmsr-187	48	17	.	.	PUNCT
aijmsr-187	49	1	to	to	PART
aijmsr-187	49	2	stay	stay	VERB
aijmsr-187	49	3	competitive	competitive	ADJ
aijmsr-187	49	4	,	,	PUNCT
aijmsr-187	49	5	banks	bank	NOUN
aijmsr-187	49	6	must	must	AUX
aijmsr-187	49	7	remain	remain	VERB
aijmsr-187	49	8	cognizant	cognizant	ADJ
aijmsr-187	49	9	of	of	ADP
aijmsr-187	49	10	numerous	numerous	ADJ
aijmsr-187	49	11	implications	implication	NOUN
aijmsr-187	49	12	from	from	ADP
aijmsr-187	49	13	within	within	ADP
aijmsr-187	49	14	and	and	CCONJ
aijmsr-187	49	15	from	from	ADP
aijmsr-187	49	16	outside	outside	ADP
aijmsr-187	49	17	the	the	DET
aijmsr-187	49	18	financial	financial	ADJ
aijmsr-187	49	19	services	service	NOUN
aijmsr-187	49	20	industry	industry	NOUN
aijmsr-187	49	21	.	.	PUNCT
aijmsr-187	50	1	in	in	ADP
aijmsr-187	50	2	these	these	DET
aijmsr-187	50	3	times	time	NOUN
aijmsr-187	50	4	of	of	ADP
aijmsr-187	50	5	uncertainty	uncertainty	NOUN
aijmsr-187	50	6	,	,	PUNCT
aijmsr-187	50	7	only	only	ADV
aijmsr-187	50	8	one	one	NUM
aijmsr-187	50	9	thing	thing	NOUN
aijmsr-187	50	10	is	be	AUX
aijmsr-187	50	11	certain	certain	ADJ
aijmsr-187	50	12	–	–	PUNCT
aijmsr-187	50	13	change	change	NOUN
aijmsr-187	50	14	.	.	PUNCT
aijmsr-187	51	1	below	below	ADV
aijmsr-187	51	2	are	be	AUX
aijmsr-187	51	3	some	some	PRON
aijmsr-187	51	4	of	of	ADP
aijmsr-187	51	5	the	the	DET
aijmsr-187	51	6	fintech	fintech	NOUN
aijmsr-187	51	7	trends	trend	NOUN
aijmsr-187	51	8	that	that	PRON
aijmsr-187	51	9	expected	expect	VERB
aijmsr-187	51	10	to	to	PART
aijmsr-187	51	11	drive	drive	VERB
aijmsr-187	51	12	future	future	ADJ
aijmsr-187	51	13	dynamics	dynamic	NOUN
aijmsr-187	51	14	of	of	ADP
aijmsr-187	51	15	the	the	DET
aijmsr-187	51	16	banking	banking	NOUN
aijmsr-187	51	17	ecosystem	ecosystem	NOUN
aijmsr-187	51	18	.	.	PUNCT
aijmsr-187	52	1	www.cribfb.com/journal/index.php/aijmsr	www.cribfb.com/journal/index.php/aijmsr	VERB
aijmsr-187	52	2	american	american	PROPN
aijmsr-187	52	3	international	international	PROPN
aijmsr-187	52	4	journal	journal	PROPN
aijmsr-187	52	5	of	of	ADP
aijmsr-187	52	6	multidisciplinary	multidisciplinary	ADJ
aijmsr-187	52	7	scientific	scientific	ADJ
aijmsr-187	52	8	research	research	NOUN
aijmsr-187	52	9	vol	vol	NOUN
aijmsr-187	52	10	.	.	PROPN
aijmsr-187	53	1	1	1	NUM
aijmsr-187	53	2	,	,	PUNCT
aijmsr-187	53	3	no	no	INTJ
aijmsr-187	53	4	.	.	NOUN
aijmsr-187	53	5	3	3	NUM
aijmsr-187	53	6	;	;	PUNCT
aijmsr-187	53	7	2018	2018	NUM
aijmsr-187	53	8	3	3	NUM
aijmsr-187	53	9	5	5	NUM
aijmsr-187	53	10	.	.	PUNCT
aijmsr-187	54	1	trends	trend	NOUN
aijmsr-187	54	2	trend	trend	VERB
aijmsr-187	54	3	#	#	SYM
aijmsr-187	54	4	1	1	NUM
aijmsr-187	54	5	:	:	PUNCT
aijmsr-187	54	6	significant	significant	ADJ
aijmsr-187	54	7	investment	investment	NOUN
aijmsr-187	54	8	in	in	ADP
aijmsr-187	54	9	digital	digital	ADJ
aijmsr-187	54	10	transformation	transformation	NOUN
aijmsr-187	54	11	digital	digital	ADJ
aijmsr-187	54	12	disruption	disruption	NOUN
aijmsr-187	54	13	has	have	AUX
aijmsr-187	54	14	impacted	impact	VERB
aijmsr-187	54	15	the	the	DET
aijmsr-187	54	16	financial	financial	ADJ
aijmsr-187	54	17	services	service	NOUN
aijmsr-187	54	18	industry	industry	NOUN
aijmsr-187	54	19	,	,	PUNCT
aijmsr-187	54	20	and	and	CCONJ
aijmsr-187	54	21	banks	bank	NOUN
aijmsr-187	54	22	are	be	AUX
aijmsr-187	54	23	investing	invest	VERB
aijmsr-187	54	24	heavily	heavily	ADV
aijmsr-187	54	25	in	in	ADP
aijmsr-187	54	26	digital	digital	ADJ
aijmsr-187	54	27	transformation	transformation	NOUN
aijmsr-187	54	28	.	.	PUNCT
aijmsr-187	55	1	rapid	rapid	ADJ
aijmsr-187	55	2	growth	growth	NOUN
aijmsr-187	55	3	in	in	ADP
aijmsr-187	55	4	online	online	ADJ
aijmsr-187	55	5	and	and	CCONJ
aijmsr-187	55	6	mobile	mobile	ADJ
aijmsr-187	55	7	banking	banking	NOUN
aijmsr-187	55	8	,	,	PUNCT
aijmsr-187	55	9	as	as	ADV
aijmsr-187	55	10	well	well	ADV
aijmsr-187	55	11	as	as	ADP
aijmsr-187	55	12	empowered	empower	VERB
aijmsr-187	55	13	customers	customer	NOUN
aijmsr-187	55	14	embracing	embrace	VERB
aijmsr-187	55	15	digital	digital	ADJ
aijmsr-187	55	16	touch	touch	NOUN
aijmsr-187	55	17	points	point	NOUN
aijmsr-187	55	18	,	,	PUNCT
aijmsr-187	55	19	is	be	AUX
aijmsr-187	55	20	further	far	ADV
aijmsr-187	55	21	fueling	fuel	VERB
aijmsr-187	55	22	the	the	DET
aijmsr-187	55	23	need	need	NOUN
aijmsr-187	55	24	for	for	ADP
aijmsr-187	55	25	investments	investment	NOUN
aijmsr-187	55	26	in	in	ADP
aijmsr-187	55	27	digital	digital	ADJ
aijmsr-187	55	28	transformation	transformation	NOUN
aijmsr-187	55	29	5.1	5.1	NUM
aijmsr-187	55	30	trend	trend	NOUN
aijmsr-187	55	31	#	#	SYM
aijmsr-187	55	32	2	2	NUM
aijmsr-187	55	33	:	:	PUNCT
aijmsr-187	55	34	cloud	cloud	NOUN
aijmsr-187	55	35	computing	compute	VERB
aijmsr-187	55	36	banks	bank	NOUN
aijmsr-187	55	37	have	have	AUX
aijmsr-187	55	38	been	be	AUX
aijmsr-187	55	39	leveraging	leverage	VERB
aijmsr-187	55	40	the	the	DET
aijmsr-187	55	41	cloud	cloud	NOUN
aijmsr-187	55	42	to	to	PART
aijmsr-187	55	43	streamline	streamline	VERB
aijmsr-187	55	44	processes	process	NOUN
aijmsr-187	55	45	,	,	PUNCT
aijmsr-187	55	46	and	and	CCONJ
aijmsr-187	55	47	with	with	ADP
aijmsr-187	55	48	a	a	DET
aijmsr-187	55	49	growing	grow	VERB
aijmsr-187	55	50	confidence	confidence	NOUN
aijmsr-187	55	51	in	in	ADP
aijmsr-187	55	52	its	its	PRON
aijmsr-187	55	53	security	security	NOUN
aijmsr-187	55	54	,	,	PUNCT
aijmsr-187	55	55	there	there	PRON
aijmsr-187	55	56	has	have	AUX
aijmsr-187	55	57	been	be	AUX
aijmsr-187	55	58	an	an	DET
aijmsr-187	55	59	increase	increase	NOUN
aijmsr-187	55	60	in	in	ADP
aijmsr-187	55	61	its	its	PRON
aijmsr-187	55	62	uptake	uptake	NOUN
aijmsr-187	55	63	.	.	PUNCT
aijmsr-187	56	1	the	the	DET
aijmsr-187	56	2	banking	banking	NOUN
aijmsr-187	56	3	industry	industry	NOUN
aijmsr-187	56	4	has	have	AUX
aijmsr-187	56	5	witnessed	witness	VERB
aijmsr-187	56	6	a	a	DET
aijmsr-187	56	7	huge	huge	ADJ
aijmsr-187	56	8	push	push	NOUN
aijmsr-187	56	9	toward	toward	ADP
aijmsr-187	56	10	the	the	DET
aijmsr-187	56	11	cloud	cloud	NOUN
aijmsr-187	56	12	,	,	PUNCT
aijmsr-187	56	13	with	with	ADP
aijmsr-187	56	14	most	most	ADJ
aijmsr-187	56	15	banks	bank	NOUN
aijmsr-187	56	16	initiating	initiate	VERB
aijmsr-187	56	17	migration	migration	NOUN
aijmsr-187	56	18	of	of	ADP
aijmsr-187	56	19	infrastructure	infrastructure	NOUN
aijmsr-187	56	20	and	and	CCONJ
aijmsr-187	56	21	applications	application	NOUN
aijmsr-187	56	22	to	to	ADP
aijmsr-187	56	23	the	the	DET
aijmsr-187	56	24	cloud	cloud	NOUN
aijmsr-187	56	25	.	.	PUNCT
aijmsr-187	57	1	banks	bank	NOUN
aijmsr-187	57	2	generally	generally	ADV
aijmsr-187	57	3	have	have	AUX
aijmsr-187	57	4	been	be	AUX
aijmsr-187	57	5	a	a	DET
aijmsr-187	57	6	bit	bit	NOUN
aijmsr-187	57	7	cautious	cautious	ADJ
aijmsr-187	57	8	with	with	ADP
aijmsr-187	57	9	cloud	cloud	NOUN
aijmsr-187	57	10	implementations	implementation	NOUN
aijmsr-187	57	11	and	and	CCONJ
aijmsr-187	57	12	tend	tend	VERB
aijmsr-187	57	13	to	to	PART
aijmsr-187	57	14	stick	stick	VERB
aijmsr-187	57	15	to	to	ADP
aijmsr-187	57	16	implementations	implementation	NOUN
aijmsr-187	57	17	in	in	ADP
aijmsr-187	57	18	peripheral	peripheral	ADJ
aijmsr-187	57	19	functions	function	NOUN
aijmsr-187	57	20	such	such	ADJ
aijmsr-187	57	21	as	as	ADP
aijmsr-187	57	22	erp	erp	NOUN
aijmsr-187	57	23	,	,	PUNCT
aijmsr-187	57	24	hr	hr	NOUN
aijmsr-187	57	25	,	,	PUNCT
aijmsr-187	57	26	and	and	CCONJ
aijmsr-187	57	27	service	service	NOUN
aijmsr-187	57	28	desks	desk	NOUN
aijmsr-187	57	29	versus	versus	ADP
aijmsr-187	57	30	core	core	NOUN
aijmsr-187	57	31	functions	function	NOUN
aijmsr-187	57	32	(	(	PUNCT
aijmsr-187	57	33	consumer	consumer	NOUN
aijmsr-187	57	34	loans	loan	NOUN
aijmsr-187	57	35	,	,	PUNCT
aijmsr-187	57	36	payments	payment	NOUN
aijmsr-187	57	37	,	,	PUNCT
aijmsr-187	57	38	enterprise	enterprise	NOUN
aijmsr-187	57	39	data	datum	NOUN
aijmsr-187	57	40	)	)	PUNCT
aijmsr-187	57	41	that	that	PRON
aijmsr-187	57	42	link	link	VERB
aijmsr-187	57	43	to	to	ADP
aijmsr-187	57	44	the	the	DET
aijmsr-187	57	45	general	general	ADJ
aijmsr-187	57	46	ledger	ledger	NOUN
aijmsr-187	57	47	,	,	PUNCT
aijmsr-187	57	48	mainly	mainly	ADV
aijmsr-187	57	49	due	due	ADP
aijmsr-187	57	50	to	to	ADP
aijmsr-187	57	51	risk	risk	NOUN
aijmsr-187	57	52	concerns	concern	NOUN
aijmsr-187	57	53	there	there	PRON
aijmsr-187	57	54	is	be	VERB
aijmsr-187	57	55	a	a	DET
aijmsr-187	57	56	requirement	requirement	NOUN
aijmsr-187	57	57	for	for	SCONJ
aijmsr-187	57	58	banks	bank	NOUN
aijmsr-187	57	59	to	to	PART
aijmsr-187	57	60	have	have	VERB
aijmsr-187	57	61	the	the	DET
aijmsr-187	57	62	ability	ability	NOUN
aijmsr-187	57	63	to	to	PART
aijmsr-187	57	64	scale	scale	VERB
aijmsr-187	57	65	their	their	PRON
aijmsr-187	57	66	processing	processing	NOUN
aijmsr-187	57	67	capacity	capacity	NOUN
aijmsr-187	57	68	up	up	ADP
aijmsr-187	57	69	or	or	CCONJ
aijmsr-187	57	70	down	down	ADV
aijmsr-187	57	71	,	,	PUNCT
aijmsr-187	57	72	as	as	ADP
aijmsr-187	57	73	per	per	ADP
aijmsr-187	57	74	the	the	DET
aijmsr-187	57	75	prevailing	prevail	VERB
aijmsr-187	57	76	market	market	NOUN
aijmsr-187	57	77	demands	demand	NOUN
aijmsr-187	57	78	trend	trend	NOUN
aijmsr-187	57	79	#	#	SYM
aijmsr-187	57	80	3	3	NUM
aijmsr-187	57	81	:	:	PUNCT
aijmsr-187	57	82	next	next	ADJ
aijmsr-187	57	83	-	-	PUNCT
aijmsr-187	57	84	gen	gen	NOUN
aijmsr-187	57	85	chatbots	chatbot	NOUN
aijmsr-187	57	86	2017	2017	NUM
aijmsr-187	57	87	saw	see	VERB
aijmsr-187	57	88	several	several	ADJ
aijmsr-187	57	89	major	major	ADJ
aijmsr-187	57	90	banks	bank	NOUN
aijmsr-187	57	91	in	in	ADP
aijmsr-187	57	92	india	india	PROPN
aijmsr-187	57	93	such	such	ADJ
aijmsr-187	57	94	as	as	ADP
aijmsr-187	57	95	hdfc	hdfc	NOUN
aijmsr-187	57	96	,	,	PUNCT
aijmsr-187	57	97	icici	icici	NOUN
aijmsr-187	57	98	,	,	PUNCT
aijmsr-187	57	99	and	and	CCONJ
aijmsr-187	57	100	yes	yes	INTJ
aijmsr-187	57	101	bank	bank	NOUN
aijmsr-187	57	102	,	,	PUNCT
aijmsr-187	57	103	amongst	amongst	ADP
aijmsr-187	57	104	others	other	NOUN
aijmsr-187	57	105	,	,	PUNCT
aijmsr-187	57	106	adopting	adopt	VERB
aijmsr-187	57	107	chatbots	chatbot	NOUN
aijmsr-187	57	108	for	for	ADP
aijmsr-187	57	109	supporting	support	VERB
aijmsr-187	57	110	customer	customer	NOUN
aijmsr-187	57	111	interactions	interaction	NOUN
aijmsr-187	57	112	.	.	PUNCT
aijmsr-187	58	1	currently	currently	ADV
aijmsr-187	58	2	,	,	PUNCT
aijmsr-187	58	3	these	these	DET
aijmsr-187	58	4	chatbots	chatbot	NOUN
aijmsr-187	58	5	are	be	AUX
aijmsr-187	58	6	said	say	VERB
aijmsr-187	58	7	to	to	PART
aijmsr-187	58	8	possess	possess	VERB
aijmsr-187	58	9	the	the	DET
aijmsr-187	58	10	intelligence	intelligence	NOUN
aijmsr-187	58	11	of	of	ADP
aijmsr-187	58	12	a	a	DET
aijmsr-187	58	13	2	2	NUM
aijmsr-187	58	14	-	-	SYM
aijmsr-187	58	15	3	3	NUM
aijmsr-187	58	16	-	-	PUNCT
aijmsr-187	58	17	year	year	NOUN
aijmsr-187	58	18	old	old	ADJ
aijmsr-187	58	19	.	.	PUNCT
aijmsr-187	59	1	however	however	ADV
aijmsr-187	59	2	,	,	PUNCT
aijmsr-187	59	3	as	as	SCONJ
aijmsr-187	59	4	machines	machine	NOUN
aijmsr-187	59	5	do	do	AUX
aijmsr-187	59	6	not	not	PART
aijmsr-187	59	7	suffer	suffer	VERB
aijmsr-187	59	8	from	from	ADP
aijmsr-187	59	9	physical	physical	ADJ
aijmsr-187	59	10	or	or	CCONJ
aijmsr-187	59	11	learning	learn	VERB
aijmsr-187	59	12	fatigue	fatigue	NOUN
aijmsr-187	59	13	,	,	PUNCT
aijmsr-187	59	14	the	the	DET
aijmsr-187	59	15	evolution	evolution	NOUN
aijmsr-187	59	16	of	of	ADP
aijmsr-187	59	17	a	a	DET
aijmsr-187	59	18	chatbot	chatbot	NOUN
aijmsr-187	59	19	could	could	AUX
aijmsr-187	59	20	be	be	AUX
aijmsr-187	59	21	best	well	ADV
aijmsr-187	59	22	described	describe	VERB
aijmsr-187	59	23	as	as	ADP
aijmsr-187	59	24	more	more	ADJ
aijmsr-187	59	25	exponential	exponential	ADJ
aijmsr-187	59	26	than	than	ADP
aijmsr-187	59	27	linear	linear	ADJ
aijmsr-187	59	28	.	.	PUNCT
aijmsr-187	60	1	so	so	ADV
aijmsr-187	60	2	,	,	PUNCT
aijmsr-187	60	3	in	in	ADP
aijmsr-187	60	4	2018	2018	NUM
aijmsr-187	60	5	,	,	PUNCT
aijmsr-187	60	6	we	we	PRON
aijmsr-187	60	7	could	could	AUX
aijmsr-187	60	8	expect	expect	VERB
aijmsr-187	60	9	more	more	ADJ
aijmsr-187	60	10	chatbots	chatbot	NOUN
aijmsr-187	60	11	to	to	PART
aijmsr-187	60	12	be	be	AUX
aijmsr-187	60	13	deployed	deploy	VERB
aijmsr-187	60	14	with	with	ADP
aijmsr-187	60	15	improved	improved	ADJ
aijmsr-187	60	16	quality	quality	NOUN
aijmsr-187	60	17	of	of	ADP
aijmsr-187	60	18	interactions	interaction	NOUN
aijmsr-187	60	19	,	,	PUNCT
aijmsr-187	60	20	speed	speed	NOUN
aijmsr-187	60	21	of	of	ADP
aijmsr-187	60	22	responses	response	NOUN
aijmsr-187	60	23	,	,	PUNCT
aijmsr-187	60	24	and	and	CCONJ
aijmsr-187	60	25	accuracy	accuracy	NOUN
aijmsr-187	60	26	in	in	ADP
aijmsr-187	60	27	decision	decision	NOUN
aijmsr-187	60	28	-	-	PUNCT
aijmsr-187	60	29	making	making	NOUN
aijmsr-187	60	30	.	.	PUNCT
aijmsr-187	61	1	trend	trend	NOUN
aijmsr-187	61	2	#	#	SYM
aijmsr-187	61	3	4	4	NUM
aijmsr-187	61	4	:	:	PUNCT
aijmsr-187	61	5	machine	machine	NOUN
aijmsr-187	61	6	learning	learn	VERB
aijmsr-187	61	7	banks	bank	NOUN
aijmsr-187	61	8	in	in	ADP
aijmsr-187	61	9	2018	2018	NUM
aijmsr-187	61	10	will	will	AUX
aijmsr-187	61	11	start	start	VERB
aijmsr-187	61	12	adopting	adopt	VERB
aijmsr-187	61	13	new	new	ADJ
aijmsr-187	61	14	regression	regression	NOUN
aijmsr-187	61	15	models	model	NOUN
aijmsr-187	61	16	powered	power	VERB
aijmsr-187	61	17	by	by	ADP
aijmsr-187	61	18	machine	machine	NOUN
aijmsr-187	61	19	learning	learn	VERB
aijmsr-187	61	20	to	to	PART
aijmsr-187	61	21	deliver	deliver	VERB
aijmsr-187	61	22	better	well	ADJ
aijmsr-187	61	23	offerings	offering	NOUN
aijmsr-187	61	24	.	.	PUNCT
aijmsr-187	62	1	the	the	DET
aijmsr-187	62	2	brightest	bright	ADJ
aijmsr-187	62	3	data	data	NOUN
aijmsr-187	62	4	scientists	scientist	NOUN
aijmsr-187	62	5	will	will	AUX
aijmsr-187	62	6	be	be	AUX
aijmsr-187	62	7	involved	involve	VERB
aijmsr-187	62	8	in	in	ADP
aijmsr-187	62	9	this	this	DET
aijmsr-187	62	10	delivery	delivery	NOUN
aijmsr-187	62	11	and	and	CCONJ
aijmsr-187	62	12	they	they	PRON
aijmsr-187	62	13	will	will	AUX
aijmsr-187	62	14	be	be	AUX
aijmsr-187	62	15	aided	aid	VERB
aijmsr-187	62	16	by	by	ADP
aijmsr-187	62	17	insights	insight	NOUN
aijmsr-187	62	18	into	into	ADP
aijmsr-187	62	19	customer	customer	NOUN
aijmsr-187	62	20	behavior	behavior	NOUN
aijmsr-187	62	21	,	,	PUNCT
aijmsr-187	62	22	expectations	expectation	NOUN
aijmsr-187	62	23	and	and	CCONJ
aijmsr-187	62	24	responses	response	NOUN
aijmsr-187	62	25	.	.	PUNCT
aijmsr-187	63	1	these	these	DET
aijmsr-187	63	2	insights	insight	NOUN
aijmsr-187	63	3	will	will	AUX
aijmsr-187	63	4	be	be	AUX
aijmsr-187	63	5	gained	gain	VERB
aijmsr-187	63	6	by	by	ADP
aijmsr-187	63	7	adopting	adopt	VERB
aijmsr-187	63	8	big	big	ADJ
aijmsr-187	63	9	data	datum	NOUN
aijmsr-187	63	10	tools	tool	NOUN
aijmsr-187	63	11	and	and	CCONJ
aijmsr-187	63	12	will	will	AUX
aijmsr-187	63	13	enable	enable	VERB
aijmsr-187	63	14	banks	bank	NOUN
aijmsr-187	63	15	to	to	PART
aijmsr-187	63	16	predict	predict	VERB
aijmsr-187	63	17	customer	customer	NOUN
aijmsr-187	63	18	needs	need	NOUN
aijmsr-187	63	19	and	and	CCONJ
aijmsr-187	63	20	meet	meet	VERB
aijmsr-187	63	21	them	they	PRON
aijmsr-187	63	22	in	in	ADP
aijmsr-187	63	23	a	a	DET
aijmsr-187	63	24	customized	customized	ADJ
aijmsr-187	63	25	manner	manner	NOUN
aijmsr-187	63	26	.	.	PUNCT
aijmsr-187	64	1	trend	trend	NOUN
aijmsr-187	64	2	#	#	SYM
aijmsr-187	64	3	5	5	NUM
aijmsr-187	64	4	:	:	PUNCT
aijmsr-187	64	5	blockchain	blockchain	VERB
aijmsr-187	64	6	several	several	ADJ
aijmsr-187	64	7	major	major	ADJ
aijmsr-187	64	8	players	player	NOUN
aijmsr-187	64	9	have	have	AUX
aijmsr-187	64	10	already	already	ADV
aijmsr-187	64	11	begun	begin	VERB
aijmsr-187	64	12	pilot	pilot	NOUN
aijmsr-187	64	13	projects	project	NOUN
aijmsr-187	64	14	to	to	PART
aijmsr-187	64	15	measure	measure	VERB
aijmsr-187	64	16	the	the	DET
aijmsr-187	64	17	feasibility	feasibility	NOUN
aijmsr-187	64	18	of	of	ADP
aijmsr-187	64	19	adopting	adopt	VERB
aijmsr-187	64	20	blockchain	blockchain	PROPN
aijmsr-187	64	21	into	into	ADP
aijmsr-187	64	22	their	their	PRON
aijmsr-187	64	23	ecosystems	ecosystem	NOUN
aijmsr-187	64	24	.	.	PUNCT
aijmsr-187	65	1	niti	niti	PROPN
aijmsr-187	65	2	aayog	aayog	PROPN
aijmsr-187	65	3	officials	official	NOUN
aijmsr-187	65	4	are	be	AUX
aijmsr-187	65	5	working	work	VERB
aijmsr-187	65	6	on	on	ADP
aijmsr-187	65	7	the	the	DET
aijmsr-187	65	8	project	project	NOUN
aijmsr-187	65	9	named	name	VERB
aijmsr-187	65	10	‘	'	PUNCT
aijmsr-187	65	11	indiachain	indiachain	NOUN
aijmsr-187	65	12	’	'	PUNCT
aijmsr-187	65	13	,	,	PUNCT
aijmsr-187	65	14	india	india	PROPN
aijmsr-187	65	15	’s	’s	PART
aijmsr-187	65	16	largest	large	ADJ
aijmsr-187	65	17	blockchain	blockchain	NOUN
aijmsr-187	65	18	network	network	NOUN
aijmsr-187	65	19	.	.	PUNCT
aijmsr-187	66	1	it	it	PRON
aijmsr-187	66	2	’s	’s	AUX
aijmsr-187	66	3	aimed	aim	VERB
aijmsr-187	66	4	to	to	PART
aijmsr-187	66	5	reduce	reduce	VERB
aijmsr-187	66	6	fraud	fraud	NOUN
aijmsr-187	66	7	,	,	PUNCT
aijmsr-187	66	8	speed	speed	VERB
aijmsr-187	66	9	up	up	ADP
aijmsr-187	66	10	contract	contract	NOUN
aijmsr-187	66	11	enforcement	enforcement	NOUN
aijmsr-187	66	12	and	and	CCONJ
aijmsr-187	66	13	increase	increase	VERB
aijmsr-187	66	14	transparency	transparency	NOUN
aijmsr-187	66	15	in	in	ADP
aijmsr-187	66	16	banking	banking	NOUN
aijmsr-187	66	17	operations	operation	NOUN
aijmsr-187	66	18	.	.	PUNCT
aijmsr-187	67	1	as	as	SCONJ
aijmsr-187	67	2	blockchain	blockchain	PROPN
aijmsr-187	67	3	is	be	AUX
aijmsr-187	67	4	virtually	virtually	ADV
aijmsr-187	67	5	unhackable	unhackable	ADJ
aijmsr-187	67	6	due	due	ADP
aijmsr-187	67	7	to	to	ADP
aijmsr-187	67	8	time	time	NOUN
aijmsr-187	67	9	stamps	stamp	NOUN
aijmsr-187	67	10	that	that	PRON
aijmsr-187	67	11	mark	mark	VERB
aijmsr-187	67	12	a	a	DET
aijmsr-187	67	13	data	data	NOUN
aijmsr-187	67	14	entry	entry	NOUN
aijmsr-187	67	15	in	in	ADP
aijmsr-187	67	16	a	a	DET
aijmsr-187	67	17	distributed	distribute	VERB
aijmsr-187	67	18	ledger	ledger	NOUN
aijmsr-187	67	19	,	,	PUNCT
aijmsr-187	67	20	banks	bank	NOUN
aijmsr-187	67	21	will	will	AUX
aijmsr-187	67	22	explore	explore	VERB
aijmsr-187	67	23	options	option	NOUN
aijmsr-187	67	24	to	to	PART
aijmsr-187	67	25	leverage	leverage	VERB
aijmsr-187	67	26	the	the	DET
aijmsr-187	67	27	power	power	NOUN
aijmsr-187	67	28	of	of	ADP
aijmsr-187	67	29	blockchain	blockchain	PROPN
aijmsr-187	67	30	to	to	PART
aijmsr-187	67	31	transform	transform	VERB
aijmsr-187	67	32	backend	backend	NOUN
aijmsr-187	67	33	operations	operation	NOUN
aijmsr-187	67	34	.	.	PUNCT
aijmsr-187	68	1	trend	trend	NOUN
aijmsr-187	68	2	#	#	SYM
aijmsr-187	68	3	6	6	NUM
aijmsr-187	68	4	:	:	PUNCT
aijmsr-187	68	5	smart	smart	ADJ
aijmsr-187	68	6	workflows	workflow	NOUN
aijmsr-187	68	7	with	with	ADP
aijmsr-187	68	8	the	the	DET
aijmsr-187	68	9	help	help	NOUN
aijmsr-187	68	10	of	of	ADP
aijmsr-187	68	11	embedded	embed	VERB
aijmsr-187	68	12	ai	ai	AUX
aijmsr-187	68	13	aiding	aid	VERB
aijmsr-187	68	14	the	the	DET
aijmsr-187	68	15	backend	backend	NOUN
aijmsr-187	68	16	operations	operation	NOUN
aijmsr-187	68	17	of	of	ADP
aijmsr-187	68	18	banks	bank	NOUN
aijmsr-187	68	19	,	,	PUNCT
aijmsr-187	68	20	they	they	PRON
aijmsr-187	68	21	will	will	AUX
aijmsr-187	68	22	be	be	AUX
aijmsr-187	68	23	able	able	ADJ
aijmsr-187	68	24	to	to	PART
aijmsr-187	68	25	quickly	quickly	ADV
aijmsr-187	68	26	identify	identify	VERB
aijmsr-187	68	27	bottlenecks	bottleneck	NOUN
aijmsr-187	68	28	in	in	ADP
aijmsr-187	68	29	their	their	PRON
aijmsr-187	68	30	operation	operation	NOUN
aijmsr-187	68	31	workflows	workflow	NOUN
aijmsr-187	68	32	and	and	CCONJ
aijmsr-187	68	33	bring	bring	VERB
aijmsr-187	68	34	in	in	ADP
aijmsr-187	68	35	significant	significant	ADJ
aijmsr-187	68	36	improvements	improvement	NOUN
aijmsr-187	68	37	in	in	ADP
aijmsr-187	68	38	process	process	NOUN
aijmsr-187	68	39	efficiencies	efficiency	NOUN
aijmsr-187	68	40	.	.	PUNCT
aijmsr-187	69	1	trend	trend	NOUN
aijmsr-187	69	2	#	#	SYM
aijmsr-187	69	3	7	7	NUM
aijmsr-187	69	4	:	:	PUNCT
aijmsr-187	69	5	automated	automate	VERB
aijmsr-187	69	6	personalization	personalization	NOUN
aijmsr-187	69	7	banks	bank	NOUN
aijmsr-187	69	8	will	will	AUX
aijmsr-187	69	9	leverage	leverage	VERB
aijmsr-187	69	10	the	the	DET
aijmsr-187	69	11	power	power	NOUN
aijmsr-187	69	12	of	of	ADP
aijmsr-187	69	13	fintech	fintech	NOUN
aijmsr-187	69	14	to	to	PART
aijmsr-187	69	15	personalize	personalize	VERB
aijmsr-187	69	16	the	the	DET
aijmsr-187	69	17	offerings	offering	NOUN
aijmsr-187	69	18	that	that	PRON
aijmsr-187	69	19	users	user	NOUN
aijmsr-187	69	20	see	see	VERB
aijmsr-187	69	21	on	on	ADP
aijmsr-187	69	22	all	all	PRON
aijmsr-187	69	23	their	their	PRON
aijmsr-187	69	24	devices	device	NOUN
aijmsr-187	69	25	.	.	PUNCT
aijmsr-187	70	1	banks	bank	NOUN
aijmsr-187	70	2	will	will	AUX
aijmsr-187	70	3	change	change	VERB
aijmsr-187	70	4	the	the	DET
aijmsr-187	70	5	appearance	appearance	NOUN
aijmsr-187	70	6	of	of	ADP
aijmsr-187	70	7	apps	app	NOUN
aijmsr-187	70	8	based	base	VERB
aijmsr-187	70	9	on	on	ADP
aijmsr-187	70	10	actual	actual	ADJ
aijmsr-187	70	11	usage	usage	NOUN
aijmsr-187	70	12	.	.	PUNCT
aijmsr-187	71	1	this	this	PRON
aijmsr-187	71	2	will	will	AUX
aijmsr-187	71	3	make	make	VERB
aijmsr-187	71	4	users	user	NOUN
aijmsr-187	71	5	feel	feel	VERB
aijmsr-187	71	6	more	more	ADV
aijmsr-187	71	7	connected	connected	ADJ
aijmsr-187	71	8	with	with	ADP
aijmsr-187	71	9	banks	bank	NOUN
aijmsr-187	71	10	and	and	CCONJ
aijmsr-187	71	11	it	it	PRON
aijmsr-187	71	12	will	will	AUX
aijmsr-187	71	13	also	also	ADV
aijmsr-187	71	14	set	set	VERB
aijmsr-187	71	15	the	the	DET
aijmsr-187	71	16	stage	stage	NOUN
aijmsr-187	71	17	for	for	ADP
aijmsr-187	71	18	efficient	efficient	ADJ
aijmsr-187	71	19	self	self	NOUN
aijmsr-187	71	20	-	-	PUNCT
aijmsr-187	71	21	service	service	NOUN
aijmsr-187	71	22	.	.	PUNCT
aijmsr-187	72	1	there	there	PRON
aijmsr-187	72	2	will	will	AUX
aijmsr-187	72	3	also	also	ADV
aijmsr-187	72	4	be	be	AUX
aijmsr-187	72	5	advancements	advancement	NOUN
aijmsr-187	72	6	in	in	ADP
aijmsr-187	72	7	providing	provide	VERB
aijmsr-187	72	8	pre	pre	ADJ
aijmsr-187	72	9	-	-	ADJ
aijmsr-187	72	10	filled	filled	ADJ
aijmsr-187	72	11	data	datum	NOUN
aijmsr-187	72	12	to	to	ADP
aijmsr-187	72	13	users	user	NOUN
aijmsr-187	72	14	based	base	VERB
aijmsr-187	72	15	on	on	ADP
aijmsr-187	72	16	their	their	PRON
aijmsr-187	72	17	previous	previous	ADJ
aijmsr-187	72	18	interaction	interaction	NOUN
aijmsr-187	72	19	history	history	NOUN
aijmsr-187	72	20	,	,	PUNCT
aijmsr-187	72	21	preferences	preference	NOUN
aijmsr-187	72	22	and	and	CCONJ
aijmsr-187	72	23	banking	banking	NOUN
aijmsr-187	72	24	habits	habit	NOUN
aijmsr-187	72	25	.	.	PUNCT
aijmsr-187	73	1	trend	trend	NOUN
aijmsr-187	73	2	#	#	SYM
aijmsr-187	73	3	8	8	NUM
aijmsr-187	73	4	:	:	PUNCT
aijmsr-187	73	5	open	open	ADJ
aijmsr-187	73	6	banking	banking	NOUN
aijmsr-187	73	7	with	with	ADP
aijmsr-187	73	8	initiatives	initiative	NOUN
aijmsr-187	73	9	such	such	ADJ
aijmsr-187	73	10	as	as	ADP
aijmsr-187	73	11	unified	unified	ADJ
aijmsr-187	73	12	payments	payment	NOUN
aijmsr-187	73	13	interface	interface	NOUN
aijmsr-187	73	14	(	(	PUNCT
aijmsr-187	73	15	upi	upi	PROPN
aijmsr-187	73	16	)	)	PUNCT
aijmsr-187	73	17	and	and	CCONJ
aijmsr-187	73	18	aadhaar	aadhaar	NOUN
aijmsr-187	73	19	enabled	enable	VERB
aijmsr-187	73	20	payment	payment	NOUN
aijmsr-187	73	21	system	system	NOUN
aijmsr-187	73	22	(	(	PUNCT
aijmsr-187	73	23	aeps	aeps	ADJ
aijmsr-187	73	24	)	)	PUNCT
aijmsr-187	73	25	,	,	PUNCT
aijmsr-187	73	26	banking	banking	NOUN
aijmsr-187	73	27	will	will	AUX
aijmsr-187	73	28	become	become	VERB
aijmsr-187	73	29	more	more	ADJ
aijmsr-187	73	30	‘	'	PUNCT
aijmsr-187	73	31	open	open	ADJ
aijmsr-187	73	32	’	'	PUNCT
aijmsr-187	73	33	in	in	ADP
aijmsr-187	73	34	2018	2018	NUM
aijmsr-187	73	35	.	.	PUNCT
aijmsr-187	74	1	with	with	ADP
aijmsr-187	74	2	more	more	ADJ
aijmsr-187	74	3	apis	apis	ADJ
aijmsr-187	74	4	exposed	expose	VERB
aijmsr-187	74	5	by	by	ADP
aijmsr-187	74	6	banks	bank	NOUN
aijmsr-187	74	7	,	,	PUNCT
aijmsr-187	74	8	the	the	DET
aijmsr-187	74	9	process	process	NOUN
aijmsr-187	74	10	of	of	ADP
aijmsr-187	74	11	carrying	carry	VERB
aijmsr-187	74	12	out	out	ADP
aijmsr-187	74	13	payments	payment	NOUN
aijmsr-187	74	14	and	and	CCONJ
aijmsr-187	74	15	other	other	ADJ
aijmsr-187	74	16	banking	banking	NOUN
aijmsr-187	74	17	transactions	transaction	NOUN
aijmsr-187	74	18	would	would	AUX
aijmsr-187	74	19	be	be	AUX
aijmsr-187	74	20	greatly	greatly	ADV
aijmsr-187	74	21	quickened	quicken	VERB
aijmsr-187	74	22	as	as	ADV
aijmsr-187	74	23	well	well	ADV
aijmsr-187	74	24	as	as	ADP
aijmsr-187	74	25	simplified	simplified	ADJ
aijmsr-187	74	26	.	.	PUNCT
aijmsr-187	75	1	references	reference	NOUN
aijmsr-187	75	2	assessment	assessment	NOUN
aijmsr-187	75	3	of	of	ADP
aijmsr-187	75	4	disruptive	disruptive	ADJ
aijmsr-187	75	5	potential	potential	NOUN
aijmsr-187	75	6	in	in	ADP
aijmsr-187	75	7	financial	financial	ADJ
aijmsr-187	75	8	services--http://www3.weforum.org/docs/	services--http://www3.weforum.org/docs/	PROPN
aijmsr-187	75	9	fintech	fintech	NOUN
aijmsr-187	75	10	–	–	PUNCT
aijmsr-187	75	11	challenges	challenge	NOUN
aijmsr-187	75	12	and	and	CCONJ
aijmsr-187	75	13	opportunities-https://www.mckinsey.de	opportunities-https://www.mckinsey.de	ADJ
aijmsr-187	75	14	strategic	strategic	ADJ
aijmsr-187	75	15	choices	choice	NOUN
aijmsr-187	75	16	for	for	ADP
aijmsr-187	75	17	banks	bank	NOUN
aijmsr-187	75	18	in	in	ADP
aijmsr-187	75	19	digital	digital	ADJ
aijmsr-187	75	20	age-https://www.mckinsey.com	age-https://www.mckinsey.com	X
aijmsr-187	75	21	top	top	ADJ
aijmsr-187	75	22	10	10	NUM
aijmsr-187	75	23	fintech	fintech	NOUN
aijmsr-187	75	24	trends	trend	NOUN
aijmsr-187	75	25	--https://yourstory.com/2017/11/	--https://yourstory.com/2017/11/	PUNCT
aijmsr-187	75	26	retail	retail	ADJ
aijmsr-187	75	27	banking	banking	NOUN
aijmsr-187	75	28	top	top	ADJ
aijmsr-187	75	29	10	10	NUM
aijmsr-187	75	30	trends	trend	NOUN
aijmsr-187	75	31	http://www.capgemini.com	http://www.capgemini.com	X
aijmsr-187	76	1	finserv	finserv	PROPN
aijmsr-187	76	2	survey	survey	VERB
aijmsr-187	76	3	https://www.janeirodigital.com	https://www.janeirodigital.com	X
aijmsr-187	77	1	financial	financial	ADJ
aijmsr-187	77	2	trends	trend	NOUN
aijmsr-187	77	3	–	–	PUNCT
aijmsr-187	77	4	https://hcltech.com	https://hcltech.com	X
aijmsr-187	77	5	techvision-2018	techvision-2018	ADP
aijmsr-187	77	6	-	-	PUNCT
aijmsr-187	77	7	tech	tech	NOUN
aijmsr-187	77	8	-	-	PUNCT
aijmsr-187	77	9	trends	trend	NOUN
aijmsr-187	77	10	-	-	PUNCT
aijmsr-187	77	11	report	report	NOUN
aijmsr-187	77	12	–	–	PUNCT
aijmsr-187	77	13	https://www.accenture.com	https://www.accenture.com	X
aijmsr-187	77	14	copyrights	copyright	VERB
aijmsr-187	77	15	copyright	copyright	NOUN
aijmsr-187	77	16	for	for	ADP
aijmsr-187	77	17	this	this	DET
aijmsr-187	77	18	article	article	NOUN
aijmsr-187	77	19	is	be	AUX
aijmsr-187	77	20	retained	retain	VERB
aijmsr-187	77	21	by	by	ADP
aijmsr-187	77	22	the	the	DET
aijmsr-187	77	23	author(s	author(s	PROPN
aijmsr-187	77	24	)	)	PUNCT
aijmsr-187	77	25	,	,	PUNCT
aijmsr-187	77	26	with	with	ADP
aijmsr-187	77	27	first	first	ADJ
aijmsr-187	77	28	publication	publication	NOUN
aijmsr-187	77	29	rights	right	NOUN
aijmsr-187	77	30	granted	grant	VERB
aijmsr-187	77	31	to	to	ADP
aijmsr-187	77	32	the	the	DET
aijmsr-187	77	33	journal	journal	NOUN
aijmsr-187	77	34	.	.	PUNCT
aijmsr-187	78	1	this	this	PRON
aijmsr-187	78	2	is	be	AUX
aijmsr-187	78	3	an	an	DET
aijmsr-187	78	4	open	open	ADJ
aijmsr-187	78	5	-	-	PUNCT
aijmsr-187	78	6	access	access	NOUN
aijmsr-187	78	7	article	article	NOUN
aijmsr-187	78	8	distributed	distribute	VERB
aijmsr-187	78	9	under	under	ADP
aijmsr-187	78	10	the	the	DET
aijmsr-187	78	11	terms	term	NOUN
aijmsr-187	78	12	and	and	CCONJ
aijmsr-187	78	13	conditions	condition	NOUN
aijmsr-187	78	14	of	of	ADP
aijmsr-187	78	15	the	the	DET
aijmsr-187	78	16	creative	creative	ADJ
aijmsr-187	78	17	commons	common	NOUN
aijmsr-187	78	18	attribution	attribution	NOUN
aijmsr-187	78	19	license	license	NOUN
aijmsr-187	78	20	(	(	PUNCT
aijmsr-187	78	21	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
aijmsr-187	78	22	)	)	PUNCT