id	sid	tid	token	lemma	pos
gp-256	1	1	1300	1300	NUM
gp-256	1	2	american	american	ADJ
gp-256	1	3	journal	journal	PROPN
gp-256	1	4	of	of	ADP
gp-256	1	5	economic	economic	ADJ
gp-256	1	6	and	and	CCONJ
gp-256	1	7	management	management	NOUN
gp-256	1	8	business	business	NOUN
gp-256	1	9	e	e	NOUN
gp-256	1	10	-	-	NOUN
gp-256	1	11	issn	issn	ADJ
gp-256	1	12	:	:	PUNCT
gp-256	1	13	2835	2835	NUM
gp-256	1	14	-	-	SYM
gp-256	1	15	5199	5199	NUM
gp-256	1	16	vol	vol	NOUN
gp-256	1	17	.	.	PROPN
gp-256	1	18	4	4	NUM
gp-256	1	19	no	no	NOUN
gp-256	1	20	.	.	NOUN
gp-256	1	21	8	8	NUM
gp-256	1	22	august	august	PROPN
gp-256	1	23	2025	2025	NUM
gp-256	1	24	bank	bank	NOUN
gp-256	1	25	collaboration	collaboration	NOUN
gp-256	1	26	and	and	CCONJ
gp-256	1	27	peer	peer	NOUN
gp-256	1	28	-	-	PUNCT
gp-256	1	29	to	to	ADP
gp-256	1	30	-	-	PUNCT
gp-256	1	31	peer	peer	NOUN
gp-256	1	32	lending	lending	NOUN
gp-256	1	33	strategies	strategy	NOUN
gp-256	1	34	in	in	ADP
gp-256	1	35	multipurpose	multipurpose	NOUN
gp-256	1	36	credit	credit	NOUN
gp-256	1	37	optimization	optimization	NOUN
gp-256	1	38	:	:	PUNCT
gp-256	1	39	channelling	channel	VERB
gp-256	1	40	business	business	NOUN
gp-256	1	41	model	model	NOUN
gp-256	1	42	study	study	NOUN
gp-256	1	43	at	at	ADP
gp-256	1	44	bank	bank	PROPN
gp-256	1	45	xy	xy	PROPN
gp-256	1	46	rudy	rudy	PROPN
gp-256	1	47	purwadhi	purwadhi	PROPN
gp-256	1	48	,	,	PUNCT
gp-256	1	49	laura	laura	PROPN
gp-256	1	50	lahindah	lahindah	PROPN
gp-256	1	51	sekolah	sekolah	PROPN
gp-256	1	52	tinggi	tinggi	PROPN
gp-256	1	53	ilmu	ilmu	PROPN
gp-256	1	54	ekonomi	ekonomi	PROPN
gp-256	1	55	harapan	harapan	PROPN
gp-256	1	56	bangsa	bangsa	PROPN
gp-256	1	57	,	,	PUNCT
gp-256	1	58	indonesia	indonesia	PROPN
gp-256	1	59	email	email	NOUN
gp-256	1	60	:	:	PUNCT
gp-256	1	61	mm-24083@students.ithb.ac.id	mm-24083@students.ithb.ac.id	NOUN
gp-256	1	62	,	,	PUNCT
gp-256	1	63	laura@ithb.ac.id	laura@ithb.ac.id	PROPN
gp-256	1	64	abstract	abstract	NOUN
gp-256	1	65	this	this	DET
gp-256	1	66	research	research	NOUN
gp-256	1	67	explores	explore	VERB
gp-256	1	68	the	the	DET
gp-256	1	69	collaboration	collaboration	NOUN
gp-256	1	70	strategy	strategy	NOUN
gp-256	1	71	between	between	ADP
gp-256	1	72	bank	bank	PROPN
gp-256	1	73	xyz	xyz	PROPN
gp-256	1	74	and	and	CCONJ
gp-256	1	75	peer	peer	NOUN
gp-256	1	76	-	-	PUNCT
gp-256	1	77	to	to	ADP
gp-256	1	78	-	-	PUNCT
gp-256	1	79	peer	peer	NOUN
gp-256	1	80	(	(	PUNCT
gp-256	1	81	p2p	p2p	NOUN
gp-256	1	82	)	)	PUNCT
gp-256	1	83	lending	lending	NOUN
gp-256	1	84	platforms	platform	NOUN
gp-256	1	85	in	in	ADP
gp-256	1	86	optimizing	optimize	VERB
gp-256	1	87	multipurpose	multipurpose	NOUN
gp-256	1	88	credit	credit	NOUN
gp-256	1	89	through	through	ADP
gp-256	1	90	the	the	DET
gp-256	1	91	channelling	channelling	NOUN
gp-256	1	92	business	business	NOUN
gp-256	1	93	model	model	NOUN
gp-256	1	94	.	.	PUNCT
gp-256	2	1	the	the	DET
gp-256	2	2	study	study	NOUN
gp-256	2	3	identifies	identify	VERB
gp-256	2	4	key	key	ADJ
gp-256	2	5	factors	factor	NOUN
gp-256	2	6	that	that	PRON
gp-256	2	7	influence	influence	VERB
gp-256	2	8	the	the	DET
gp-256	2	9	effectiveness	effectiveness	NOUN
gp-256	2	10	of	of	ADP
gp-256	2	11	the	the	DET
gp-256	2	12	collaboration	collaboration	NOUN
gp-256	2	13	,	,	PUNCT
gp-256	2	14	including	include	VERB
gp-256	2	15	internal	internal	ADJ
gp-256	2	16	and	and	CCONJ
gp-256	2	17	external	external	ADJ
gp-256	2	18	challenges	challenge	NOUN
gp-256	2	19	,	,	PUNCT
gp-256	2	20	technological	technological	ADJ
gp-256	2	21	integration	integration	NOUN
gp-256	2	22	,	,	PUNCT
gp-256	2	23	and	and	CCONJ
gp-256	2	24	risk	risk	NOUN
gp-256	2	25	mitigation	mitigation	NOUN
gp-256	2	26	.	.	PUNCT
gp-256	3	1	data	datum	NOUN
gp-256	3	2	were	be	AUX
gp-256	3	3	collected	collect	VERB
gp-256	3	4	from	from	ADP
gp-256	3	5	15	15	NUM
gp-256	3	6	resource	resource	NOUN
gp-256	3	7	persons	person	NOUN
gp-256	3	8	using	use	VERB
gp-256	3	9	qualitative	qualitative	ADJ
gp-256	3	10	methods	method	NOUN
gp-256	3	11	such	such	ADJ
gp-256	3	12	as	as	ADP
gp-256	3	13	interviews	interview	NOUN
gp-256	3	14	,	,	PUNCT
gp-256	3	15	documentation	documentation	NOUN
gp-256	3	16	,	,	PUNCT
gp-256	3	17	and	and	CCONJ
gp-256	3	18	participatory	participatory	ADJ
gp-256	3	19	observation	observation	NOUN
gp-256	3	20	.	.	PUNCT
gp-256	4	1	the	the	DET
gp-256	4	2	findings	finding	NOUN
gp-256	4	3	show	show	VERB
gp-256	4	4	that	that	SCONJ
gp-256	4	5	the	the	DET
gp-256	4	6	collaboration	collaboration	NOUN
gp-256	4	7	model	model	NOUN
gp-256	4	8	between	between	ADP
gp-256	4	9	the	the	DET
gp-256	4	10	bank	bank	NOUN
gp-256	4	11	and	and	CCONJ
gp-256	4	12	p2p	p2p	NOUN
gp-256	4	13	lending	lending	NOUN
gp-256	4	14	creates	create	VERB
gp-256	4	15	a	a	DET
gp-256	4	16	strategic	strategic	ADJ
gp-256	4	17	synergy	synergy	NOUN
gp-256	4	18	,	,	PUNCT
gp-256	4	19	focusing	focus	VERB
gp-256	4	20	on	on	ADP
gp-256	4	21	acquisition	acquisition	NOUN
gp-256	4	22	efficiency	efficiency	NOUN
gp-256	4	23	,	,	PUNCT
gp-256	4	24	borrower	borrower	NOUN
gp-256	4	25	segment	segment	NOUN
gp-256	4	26	expansion	expansion	NOUN
gp-256	4	27	,	,	PUNCT
gp-256	4	28	and	and	CCONJ
gp-256	4	29	digital	digital	ADJ
gp-256	4	30	distribution	distribution	NOUN
gp-256	4	31	integration	integration	NOUN
gp-256	4	32	.	.	PUNCT
gp-256	5	1	key	key	ADJ
gp-256	5	2	challenges	challenge	NOUN
gp-256	5	3	include	include	VERB
gp-256	5	4	it	it	PRON
gp-256	5	5	infrastructure	infrastructure	NOUN
gp-256	5	6	readiness	readiness	NOUN
gp-256	5	7	,	,	PUNCT
gp-256	5	8	regulatory	regulatory	ADJ
gp-256	5	9	support	support	NOUN
gp-256	5	10	,	,	PUNCT
gp-256	5	11	and	and	CCONJ
gp-256	5	12	internal	internal	ADJ
gp-256	5	13	cultural	cultural	ADJ
gp-256	5	14	transformations	transformation	NOUN
gp-256	5	15	.	.	PUNCT
gp-256	6	1	furthermore	furthermore	ADV
gp-256	6	2	,	,	PUNCT
gp-256	6	3	the	the	DET
gp-256	6	4	integration	integration	NOUN
gp-256	6	5	of	of	ADP
gp-256	6	6	information	information	NOUN
gp-256	6	7	technology	technology	NOUN
gp-256	6	8	between	between	ADP
gp-256	6	9	both	both	DET
gp-256	6	10	parties	party	NOUN
gp-256	6	11	,	,	PUNCT
gp-256	6	12	though	though	SCONJ
gp-256	6	13	essential	essential	ADJ
gp-256	6	14	for	for	ADP
gp-256	6	15	success	success	NOUN
gp-256	6	16	,	,	PUNCT
gp-256	6	17	faces	face	VERB
gp-256	6	18	bottlenecks	bottleneck	NOUN
gp-256	6	19	due	due	ADP
gp-256	6	20	to	to	ADP
gp-256	6	21	the	the	DET
gp-256	6	22	rigidity	rigidity	NOUN
gp-256	6	23	of	of	ADP
gp-256	6	24	the	the	DET
gp-256	6	25	bank	bank	NOUN
gp-256	6	26	's	's	PART
gp-256	6	27	backend	backend	NOUN
gp-256	6	28	.	.	PUNCT
gp-256	7	1	risks	risk	NOUN
gp-256	7	2	such	such	ADJ
gp-256	7	3	as	as	ADP
gp-256	7	4	credit	credit	NOUN
gp-256	7	5	,	,	PUNCT
gp-256	7	6	operational	operational	ADJ
gp-256	7	7	,	,	PUNCT
gp-256	7	8	and	and	CCONJ
gp-256	7	9	reputational	reputational	ADJ
gp-256	7	10	risks	risk	NOUN
gp-256	7	11	were	be	AUX
gp-256	7	12	identified	identify	VERB
gp-256	7	13	,	,	PUNCT
gp-256	7	14	and	and	CCONJ
gp-256	7	15	effective	effective	ADJ
gp-256	7	16	mitigation	mitigation	NOUN
gp-256	7	17	strategies	strategy	NOUN
gp-256	7	18	like	like	ADP
gp-256	7	19	multi	multi	ADJ
gp-256	7	20	-	-	ADJ
gp-256	7	21	layered	layered	ADJ
gp-256	7	22	verification	verification	NOUN
gp-256	7	23	systems	system	NOUN
gp-256	7	24	and	and	CCONJ
gp-256	7	25	joint	joint	ADJ
gp-256	7	26	recovery	recovery	NOUN
gp-256	7	27	processes	process	NOUN
gp-256	7	28	were	be	AUX
gp-256	7	29	proposed	propose	VERB
gp-256	7	30	.	.	PUNCT
gp-256	8	1	the	the	DET
gp-256	8	2	research	research	NOUN
gp-256	8	3	concludes	conclude	VERB
gp-256	8	4	with	with	ADP
gp-256	8	5	practical	practical	ADJ
gp-256	8	6	recommendations	recommendation	NOUN
gp-256	8	7	for	for	ADP
gp-256	8	8	bank	bank	NOUN
gp-256	8	9	xyz	xyz	PROPN
gp-256	8	10	,	,	PUNCT
gp-256	8	11	p2p	p2p	NOUN
gp-256	8	12	lending	lending	NOUN
gp-256	8	13	operators	operator	NOUN
gp-256	8	14	,	,	PUNCT
gp-256	8	15	regulators	regulator	NOUN
gp-256	8	16	,	,	PUNCT
gp-256	8	17	and	and	CCONJ
gp-256	8	18	future	future	ADJ
gp-256	8	19	researchers	researcher	NOUN
gp-256	8	20	,	,	PUNCT
gp-256	8	21	emphasizing	emphasize	VERB
gp-256	8	22	the	the	DET
gp-256	8	23	need	need	NOUN
gp-256	8	24	for	for	ADP
gp-256	8	25	adaptive	adaptive	ADJ
gp-256	8	26	risk	risk	NOUN
gp-256	8	27	governance	governance	NOUN
gp-256	8	28	and	and	CCONJ
gp-256	8	29	continuous	continuous	ADJ
gp-256	8	30	digital	digital	ADJ
gp-256	8	31	transformation	transformation	NOUN
gp-256	8	32	to	to	PART
gp-256	8	33	enhance	enhance	VERB
gp-256	8	34	the	the	DET
gp-256	8	35	collaboration	collaboration	NOUN
gp-256	8	36	’s	’s	PART
gp-256	8	37	sustainability	sustainability	NOUN
gp-256	8	38	and	and	CCONJ
gp-256	8	39	efficiency	efficiency	NOUN
gp-256	8	40	.	.	PUNCT
gp-256	9	1	keywords	keyword	NOUN
gp-256	9	2	:	:	PUNCT
gp-256	9	3	p2p	p2p	NOUN
gp-256	9	4	lending	lending	NOUN
gp-256	9	5	;	;	PUNCT
gp-256	9	6	business	business	NOUN
gp-256	9	7	model	model	NOUN
gp-256	9	8	channelling	channelling	NOUN
gp-256	9	9	;	;	PUNCT
gp-256	9	10	risk	risk	NOUN
gp-256	9	11	mitigation	mitigation	NOUN
gp-256	9	12	introduction	introduction	NOUN
gp-256	9	13	peer	peer	NOUN
gp-256	9	14	-	-	PUNCT
gp-256	9	15	to	to	ADP
gp-256	9	16	-	-	PUNCT
gp-256	9	17	peer	peer	NOUN
gp-256	9	18	(	(	PUNCT
gp-256	9	19	p2p	p2p	NOUN
gp-256	9	20	)	)	PUNCT
gp-256	9	21	lending	lending	NOUN
gp-256	9	22	is	be	AUX
gp-256	9	23	an	an	DET
gp-256	9	24	information	information	NOUN
gp-256	9	25	technology	technology	NOUN
gp-256	9	26	-	-	PUNCT
gp-256	9	27	based	base	VERB
gp-256	9	28	money	money	NOUN
gp-256	9	29	lending	lending	NOUN
gp-256	9	30	service	service	NOUN
gp-256	9	31	system	system	NOUN
gp-256	9	32	that	that	PRON
gp-256	9	33	brings	bring	VERB
gp-256	9	34	together	together	ADP
gp-256	9	35	lenders	lender	NOUN
gp-256	9	36	and	and	CCONJ
gp-256	9	37	borrowers	borrower	NOUN
gp-256	9	38	directly	directly	ADV
gp-256	9	39	without	without	ADP
gp-256	9	40	going	go	VERB
gp-256	9	41	through	through	ADP
gp-256	9	42	banking	banking	NOUN
gp-256	9	43	intermediaries	intermediary	NOUN
gp-256	9	44	or	or	CCONJ
gp-256	9	45	traditional	traditional	ADJ
gp-256	9	46	financial	financial	ADJ
gp-256	9	47	institutions	institution	NOUN
gp-256	9	48	(	(	PUNCT
gp-256	9	49	klein	klein	PROPN
gp-256	9	50	et	et	PROPN
gp-256	9	51	al	al	PROPN
gp-256	9	52	.	.	PROPN
gp-256	9	53	,	,	PUNCT
gp-256	9	54	2023	2023	NUM
gp-256	9	55	;	;	PUNCT
gp-256	9	56	kohardinata	kohardinata	PROPN
gp-256	9	57	et	et	PROPN
gp-256	9	58	al	al	PROPN
gp-256	9	59	.	.	PROPN
gp-256	9	60	,	,	PUNCT
gp-256	9	61	2020	2020	NUM
gp-256	9	62	;	;	PUNCT
gp-256	9	63	purnamasari	purnamasari	PROPN
gp-256	9	64	,	,	PUNCT
gp-256	9	65	2020	2020	NUM
gp-256	9	66	;	;	PUNCT
gp-256	9	67	putri	putri	PROPN
gp-256	9	68	et	et	PROPN
gp-256	9	69	al	al	PROPN
gp-256	9	70	.	.	PROPN
gp-256	9	71	,	,	PUNCT
gp-256	9	72	2023	2023	NUM
gp-256	9	73	;	;	PUNCT
gp-256	9	74	widyanto	widyanto	ADP
gp-256	9	75	et	et	PROPN
gp-256	9	76	al	al	PROPN
gp-256	9	77	.	.	PROPN
gp-256	9	78	,	,	PUNCT
gp-256	9	79	2022	2022	NUM
gp-256	9	80	)	)	PUNCT
gp-256	9	81	.	.	PUNCT
gp-256	10	1	the	the	DET
gp-256	10	2	p2p	p2p	NOUN
gp-256	10	3	lending	lending	NOUN
gp-256	10	4	platform	platform	NOUN
gp-256	10	5	functions	function	NOUN
gp-256	10	6	as	as	ADP
gp-256	10	7	a	a	DET
gp-256	10	8	digital	digital	ADJ
gp-256	10	9	link	link	NOUN
gp-256	10	10	that	that	PRON
gp-256	10	11	facilitates	facilitate	VERB
gp-256	10	12	transactions	transaction	NOUN
gp-256	10	13	between	between	ADP
gp-256	10	14	the	the	DET
gp-256	10	15	two	two	NUM
gp-256	10	16	parties	party	NOUN
gp-256	10	17	through	through	ADP
gp-256	10	18	a	a	DET
gp-256	10	19	transparent	transparent	ADJ
gp-256	10	20	,	,	PUNCT
gp-256	10	21	fast	fast	ADJ
gp-256	10	22	,	,	PUNCT
gp-256	10	23	and	and	CCONJ
gp-256	10	24	technology	technology	NOUN
gp-256	10	25	-	-	PUNCT
gp-256	10	26	based	base	VERB
gp-256	10	27	system	system	NOUN
gp-256	10	28	utilizing	utilize	VERB
gp-256	10	29	artificial	artificial	ADJ
gp-256	10	30	intelligence	intelligence	NOUN
gp-256	10	31	(	(	PUNCT
gp-256	10	32	ai	ai	NOUN
gp-256	10	33	)	)	PUNCT
gp-256	10	34	technology	technology	NOUN
gp-256	10	35	in	in	ADP
gp-256	10	36	credit	credit	NOUN
gp-256	10	37	analysis	analysis	NOUN
gp-256	10	38	(	(	PUNCT
gp-256	10	39	a.	a.	NOUN
gp-256	10	40	basha	basha	PROPN
gp-256	10	41	et	et	PROPN
gp-256	10	42	al	al	PROPN
gp-256	10	43	.	.	PROPN
gp-256	10	44	,	,	PUNCT
gp-256	10	45	2021	2021	NUM
gp-256	10	46	;	;	PUNCT
gp-256	10	47	dharmastuti	dharmastuti	PROPN
gp-256	10	48	&	&	CCONJ
gp-256	10	49	laurentxius	laurentxius	NOUN
gp-256	10	50	,	,	PUNCT
gp-256	10	51	2021	2021	NUM
gp-256	10	52	;	;	PUNCT
gp-256	10	53	evimalia	evimalia	PROPN
gp-256	10	54	&	&	CCONJ
gp-256	10	55	wati	wati	PROPN
gp-256	10	56	,	,	PUNCT
gp-256	10	57	2022	2022	NUM
gp-256	10	58	;	;	PUNCT
gp-256	10	59	khan	khan	PROPN
gp-256	10	60	,	,	PUNCT
gp-256	10	61	2024	2024	NUM
gp-256	10	62	;	;	PUNCT
gp-256	10	63	teichmann	teichmann	PROPN
gp-256	10	64	et	et	PROPN
gp-256	10	65	al	al	PROPN
gp-256	10	66	.	.	PROPN
gp-256	10	67	,	,	PUNCT
gp-256	10	68	2024	2024	NUM
gp-256	10	69	)	)	PUNCT
gp-256	10	70	.	.	PUNCT
gp-256	11	1	based	base	VERB
gp-256	11	2	on	on	ADP
gp-256	11	3	the	the	DET
gp-256	11	4	world	world	PROPN
gp-256	11	5	bank	bank	PROPN
gp-256	11	6	’s	’s	PART
gp-256	11	7	definition	definition	NOUN
gp-256	11	8	,	,	PUNCT
gp-256	11	9	peer	peer	NOUN
gp-256	11	10	-	-	PUNCT
gp-256	11	11	to	to	ADP
gp-256	11	12	-	-	PUNCT
gp-256	11	13	peer	peer	NOUN
gp-256	11	14	lending	lending	NOUN
gp-256	11	15	,	,	PUNCT
gp-256	11	16	or	or	CCONJ
gp-256	11	17	information	information	NOUN
gp-256	11	18	technologybased	technologybase	VERB
gp-256	11	19	joint	joint	ADJ
gp-256	11	20	funding	funding	NOUN
gp-256	11	21	services	service	NOUN
gp-256	11	22	(	(	PUNCT
gp-256	11	23	lpbbti	lpbbti	PROPN
gp-256	11	24	)	)	PUNCT
gp-256	11	25	,	,	PUNCT
gp-256	11	26	is	be	AUX
gp-256	11	27	a	a	DET
gp-256	11	28	financial	financial	ADJ
gp-256	11	29	service	service	NOUN
gp-256	11	30	model	model	NOUN
gp-256	11	31	that	that	PRON
gp-256	11	32	allows	allow	VERB
gp-256	11	33	individuals	individual	NOUN
gp-256	11	34	or	or	CCONJ
gp-256	11	35	entities	entity	NOUN
gp-256	11	36	to	to	PART
gp-256	11	37	borrow	borrow	VERB
gp-256	11	38	and	and	CCONJ
gp-256	11	39	lend	lend	VERB
gp-256	11	40	funds	fund	NOUN
gp-256	11	41	directly	directly	ADV
gp-256	11	42	to	to	ADP
gp-256	11	43	each	each	DET
gp-256	11	44	other	other	ADJ
gp-256	11	45	through	through	ADP
gp-256	11	46	online	online	ADJ
gp-256	11	47	platforms	platform	NOUN
gp-256	11	48	.	.	PUNCT
gp-256	12	1	this	this	DET
gp-256	12	2	business	business	NOUN
gp-256	12	3	model	model	NOUN
gp-256	12	4	creates	create	VERB
gp-256	12	5	an	an	DET
gp-256	12	6	ecosystem	ecosystem	NOUN
gp-256	12	7	where	where	SCONJ
gp-256	12	8	those	those	PRON
gp-256	12	9	who	who	PRON
gp-256	12	10	need	need	VERB
gp-256	12	11	funds	fund	NOUN
gp-256	12	12	can	can	AUX
gp-256	12	13	apply	apply	VERB
gp-256	12	14	for	for	ADP
gp-256	12	15	loans	loan	NOUN
gp-256	12	16	and	and	CCONJ
gp-256	12	17	lenders	lender	NOUN
gp-256	12	18	who	who	PRON
gp-256	12	19	want	want	VERB
gp-256	12	20	to	to	PART
gp-256	12	21	invest	invest	VERB
gp-256	12	22	their	their	PRON
gp-256	12	23	money	money	NOUN
gp-256	12	24	can	can	AUX
gp-256	12	25	do	do	VERB
gp-256	12	26	so	so	ADV
gp-256	12	27	online	online	ADV
gp-256	12	28	(	(	PUNCT
gp-256	12	29	ojk	ojk	NOUN
gp-256	12	30	,	,	PUNCT
gp-256	12	31	2023	2023	NUM
gp-256	12	32	)	)	PUNCT
gp-256	12	33	.	.	PUNCT
gp-256	13	1	p2p	p2p	NOUN
gp-256	13	2	lending	lending	NOUN
gp-256	13	3	has	have	VERB
gp-256	13	4	key	key	ADJ
gp-256	13	5	characteristics	characteristic	NOUN
gp-256	13	6	that	that	PRON
gp-256	13	7	set	set	VERB
gp-256	13	8	it	it	PRON
gp-256	13	9	apart	apart	ADV
gp-256	13	10	from	from	ADP
gp-256	13	11	traditional	traditional	ADJ
gp-256	13	12	lending	lending	NOUN
gp-256	13	13	systems	system	NOUN
gp-256	13	14	.	.	PUNCT
gp-256	14	1	first	first	ADV
gp-256	14	2	,	,	PUNCT
gp-256	14	3	p2p	p2p	NOUN
gp-256	14	4	lending	lending	NOUN
gp-256	14	5	is	be	AUX
gp-256	14	6	based	base	VERB
gp-256	14	7	on	on	ADP
gp-256	14	8	digital	digital	ADJ
gp-256	14	9	technology	technology	NOUN
gp-256	14	10	,	,	PUNCT
gp-256	14	11	with	with	SCONJ
gp-256	14	12	the	the	DET
gp-256	14	13	loan	loan	NOUN
gp-256	14	14	process	process	NOUN
gp-256	14	15	carried	carry	VERB
gp-256	14	16	out	out	ADP
gp-256	14	17	online	online	ADV
gp-256	14	18	through	through	ADP
gp-256	14	19	a	a	DET
gp-256	14	20	fintech	fintech	NOUN
gp-256	14	21	lending	lending	NOUN
gp-256	14	22	platform	platform	NOUN
gp-256	14	23	.	.	PUNCT
gp-256	15	1	second	second	ADJ
gp-256	15	2	,	,	PUNCT
gp-256	15	3	this	this	DET
gp-256	15	4	system	system	NOUN
gp-256	15	5	does	do	AUX
gp-256	15	6	not	not	PART
gp-256	15	7	involve	involve	VERB
gp-256	15	8	bank	bank	NOUN
gp-256	15	9	intermediaries	intermediary	NOUN
gp-256	15	10	,	,	PUNCT
gp-256	15	11	so	so	SCONJ
gp-256	15	12	lenders	lender	NOUN
gp-256	15	13	and	and	CCONJ
gp-256	15	14	borrowers	borrower	NOUN
gp-256	15	15	meet	meet	VERB
gp-256	15	16	directly	directly	ADV
gp-256	15	17	without	without	ADP
gp-256	15	18	the	the	DET
gp-256	15	19	intervention	intervention	NOUN
gp-256	15	20	of	of	ADP
gp-256	15	21	traditional	traditional	ADJ
gp-256	15	22	financial	financial	ADJ
gp-256	15	23	institutions	institution	NOUN
gp-256	15	24	.	.	PUNCT
gp-256	16	1	third	third	ADJ
gp-256	16	2	,	,	PUNCT
gp-256	16	3	creditworthiness	creditworthiness	NOUN
gp-256	16	4	assessments	assessment	NOUN
gp-256	16	5	use	use	VERB
gp-256	16	6	alternative	alternative	ADJ
gp-256	16	7	credit	credit	NOUN
gp-256	16	8	scores	score	NOUN
gp-256	16	9	,	,	PUNCT
gp-256	16	10	which	which	PRON
gp-256	16	11	utilize	utilize	VERB
gp-256	16	12	big	big	ADJ
gp-256	16	13	data	datum	NOUN
gp-256	16	14	,	,	PUNCT
gp-256	16	15	ai	ai	VERB
gp-256	16	16	,	,	PUNCT
gp-256	16	17	and	and	CCONJ
gp-256	16	18	machine	machine	NOUN
gp-256	16	19	learning	learning	NOUN
gp-256	16	20	,	,	PUNCT
gp-256	16	21	rather	rather	ADV
gp-256	16	22	than	than	ADP
gp-256	16	23	relying	rely	VERB
gp-256	16	24	solely	solely	ADV
gp-256	16	25	on	on	ADP
gp-256	16	26	credit	credit	NOUN
gp-256	16	27	history	history	NOUN
gp-256	16	28	at	at	ADP
gp-256	16	29	banks	bank	NOUN
gp-256	16	30	.	.	PUNCT
gp-256	17	1	fourth	fourth	ADJ
gp-256	17	2	,	,	PUNCT
gp-256	17	3	p2p	p2p	NOUN
gp-256	17	4	lending	lending	NOUN
gp-256	17	5	offers	offer	VERB
gp-256	17	6	easier	easy	ADJ
gp-256	17	7	access	access	NOUN
gp-256	17	8	to	to	ADP
gp-256	17	9	credit	credit	NOUN
gp-256	17	10	,	,	PUNCT
gp-256	17	11	especially	especially	ADV
gp-256	17	12	for	for	ADP
gp-256	17	13	msmes	msme	NOUN
gp-256	17	14	,	,	PUNCT
gp-256	17	15	informal	informal	ADJ
gp-256	17	16	workers	worker	NOUN
gp-256	17	17	,	,	PUNCT
gp-256	17	18	and	and	CCONJ
gp-256	17	19	people	people	NOUN
gp-256	17	20	who	who	PRON
gp-256	17	21	are	be	AUX
gp-256	17	22	american	american	ADJ
gp-256	17	23	journal	journal	PROPN
gp-256	17	24	of	of	ADP
gp-256	17	25	economic	economic	ADJ
gp-256	17	26	and	and	CCONJ
gp-256	17	27	management	management	NOUN
gp-256	17	28	business	business	NOUN
gp-256	17	29	vol	vol	NOUN
gp-256	17	30	.	.	PROPN
gp-256	18	1	4	4	NUM
gp-256	18	2	no	no	NOUN
gp-256	18	3	.	.	NOUN
gp-256	18	4	8	8	NUM
gp-256	18	5	agustus	agustus	NOUN
gp-256	18	6	2025	2025	NUM
gp-256	18	7	1301	1301	NUM
gp-256	18	8	underserved	underserve	VERB
gp-256	18	9	by	by	ADP
gp-256	18	10	banking	banking	NOUN
gp-256	18	11	services	service	NOUN
gp-256	18	12	.	.	PUNCT
gp-256	19	1	finally	finally	ADV
gp-256	19	2	,	,	PUNCT
gp-256	19	3	p2p	p2p	NOUN
gp-256	19	4	lending	lending	NOUN
gp-256	19	5	provides	provide	VERB
gp-256	19	6	a	a	DET
gp-256	19	7	more	more	ADV
gp-256	19	8	competitive	competitive	ADJ
gp-256	19	9	return	return	NOUN
gp-256	19	10	on	on	ADP
gp-256	19	11	investment	investment	NOUN
gp-256	19	12	(	(	PUNCT
gp-256	19	13	roi	roi	NOUN
gp-256	19	14	)	)	PUNCT
gp-256	19	15	,	,	PUNCT
gp-256	19	16	with	with	ADP
gp-256	19	17	higher	high	ADJ
gp-256	19	18	-	-	PUNCT
gp-256	19	19	profit	profit	NOUN
gp-256	19	20	potential	potential	NOUN
gp-256	19	21	for	for	ADP
gp-256	19	22	lenders	lender	NOUN
gp-256	19	23	than	than	ADP
gp-256	19	24	deposits	deposit	NOUN
gp-256	19	25	or	or	CCONJ
gp-256	19	26	bonds	bond	NOUN
gp-256	19	27	(	(	PUNCT
gp-256	19	28	.	.	NUM
gp-256	19	29	,	,	PUNCT
gp-256	19	30	2019	2019	NUM
gp-256	19	31	;	;	PUNCT
gp-256	19	32	indra	indra	PROPN
gp-256	19	33	tektona	tektona	PROPN
gp-256	19	34	,	,	PUNCT
gp-256	19	35	2021	2021	NUM
gp-256	19	36	;	;	PUNCT
gp-256	19	37	nandike	nandike	PROPN
gp-256	19	38	ayudiah	ayudiah	PROPN
gp-256	19	39	poeteri	poeteri	VERB
gp-256	19	40	et	et	PROPN
gp-256	19	41	al	al	PROPN
gp-256	19	42	.	.	PROPN
gp-256	19	43	,	,	PUNCT
gp-256	19	44	2021	2021	NUM
gp-256	19	45	)	)	PUNCT
gp-256	19	46	.	.	PUNCT
gp-256	20	1	in	in	ADP
gp-256	20	2	indonesia	indonesia	PROPN
gp-256	20	3	,	,	PUNCT
gp-256	20	4	the	the	DET
gp-256	20	5	p2p	p2p	NOUN
gp-256	20	6	lending	lending	NOUN
gp-256	20	7	business	business	NOUN
gp-256	20	8	model	model	NOUN
gp-256	20	9	began	begin	VERB
gp-256	20	10	in	in	ADP
gp-256	20	11	early	early	ADJ
gp-256	20	12	2016	2016	NUM
gp-256	20	13	,	,	PUNCT
gp-256	20	14	when	when	SCONJ
gp-256	20	15	the	the	DET
gp-256	20	16	financial	financial	ADJ
gp-256	20	17	services	service	NOUN
gp-256	20	18	authority	authority	NOUN
gp-256	20	19	(	(	PUNCT
gp-256	20	20	otoritas	otoritas	PROPN
gp-256	20	21	jasa	jasa	PROPN
gp-256	20	22	keuangan	keuangan	NOUN
gp-256	20	23	or	or	CCONJ
gp-256	20	24	ojk	ojk	NOUN
gp-256	20	25	)	)	PUNCT
gp-256	20	26	issued	issue	VERB
gp-256	20	27	pojk	pojk	PROPN
gp-256	20	28	no.77	no.77	NOUN
gp-256	20	29	/	/	SYM
gp-256	20	30	pojk.01/2016	pojk.01/2016	PROPN
gp-256	20	31	,	,	PUNCT
gp-256	20	32	allowing	allow	VERB
gp-256	20	33	the	the	DET
gp-256	20	34	operation	operation	NOUN
gp-256	20	35	of	of	ADP
gp-256	20	36	p2p	p2p	NOUN
gp-256	20	37	lending	lending	NOUN
gp-256	20	38	platforms	platform	NOUN
gp-256	20	39	in	in	ADP
gp-256	20	40	the	the	DET
gp-256	20	41	country	country	NOUN
gp-256	20	42	and	and	CCONJ
gp-256	20	43	the	the	DET
gp-256	20	44	establishment	establishment	NOUN
gp-256	20	45	of	of	ADP
gp-256	20	46	the	the	DET
gp-256	20	47	indonesian	indonesian	ADJ
gp-256	20	48	fintech	fintech	PROPN
gp-256	20	49	association	association	NOUN
gp-256	20	50	(	(	PUNCT
gp-256	20	51	aftech	aftech	ADJ
gp-256	20	52	)	)	PUNCT
gp-256	20	53	,	,	PUNCT
gp-256	20	54	which	which	PRON
gp-256	20	55	supports	support	VERB
gp-256	20	56	the	the	DET
gp-256	20	57	development	development	NOUN
gp-256	20	58	of	of	ADP
gp-256	20	59	p2p	p2p	NOUN
gp-256	20	60	lending	lend	VERB
gp-256	20	61	in	in	ADP
gp-256	20	62	indonesia	indonesia	PROPN
gp-256	20	63	.	.	PUNCT
gp-256	21	1	the	the	DET
gp-256	21	2	development	development	NOUN
gp-256	21	3	of	of	ADP
gp-256	21	4	this	this	DET
gp-256	21	5	industry	industry	NOUN
gp-256	21	6	continued	continue	VERB
gp-256	21	7	in	in	ADP
gp-256	21	8	2018	2018	NUM
gp-256	21	9	with	with	ADP
gp-256	21	10	the	the	DET
gp-256	21	11	establishment	establishment	NOUN
gp-256	21	12	of	of	ADP
gp-256	21	13	a	a	DET
gp-256	21	14	special	special	ADJ
gp-256	21	15	association	association	NOUN
gp-256	21	16	for	for	ADP
gp-256	21	17	p2p	p2p	NOUN
gp-256	21	18	lending	lending	NOUN
gp-256	21	19	,	,	PUNCT
gp-256	21	20	namely	namely	ADV
gp-256	21	21	the	the	DET
gp-256	21	22	indonesian	indonesian	ADJ
gp-256	21	23	joint	joint	ADJ
gp-256	21	24	funding	funding	PROPN
gp-256	21	25	fintech	fintech	NOUN
gp-256	21	26	association	association	NOUN
gp-256	21	27	(	(	PUNCT
gp-256	21	28	afpi	afpi	ADV
gp-256	21	29	)	)	PUNCT
gp-256	21	30	,	,	PUNCT
gp-256	21	31	and	and	CCONJ
gp-256	21	32	the	the	DET
gp-256	21	33	issuance	issuance	NOUN
gp-256	21	34	of	of	ADP
gp-256	21	35	pojk	pojk	PROPN
gp-256	21	36	no.10	no.10	PROPN
gp-256	21	37	/	/	SYM
gp-256	21	38	pojk.05/2022	pojk.05/2022	PROPN
gp-256	21	39	,	,	PUNCT
gp-256	21	40	which	which	PRON
gp-256	21	41	refines	refine	VERB
gp-256	21	42	previous	previous	ADJ
gp-256	21	43	pojk	pojk	NOUN
gp-256	21	44	regulations	regulation	NOUN
gp-256	21	45	regarding	regard	VERB
gp-256	21	46	the	the	DET
gp-256	21	47	implementation	implementation	NOUN
gp-256	21	48	of	of	ADP
gp-256	21	49	p2p	p2p	NOUN
gp-256	21	50	lending	lending	NOUN
gp-256	21	51	business	business	NOUN
gp-256	21	52	activities	activity	NOUN
gp-256	21	53	.	.	PUNCT
gp-256	22	1	one	one	NUM
gp-256	22	2	of	of	ADP
gp-256	22	3	the	the	DET
gp-256	22	4	main	main	ADJ
gp-256	22	5	advantages	advantage	NOUN
gp-256	22	6	of	of	ADP
gp-256	22	7	lpbbti	lpbbti	NOUN
gp-256	22	8	is	be	AUX
gp-256	22	9	that	that	SCONJ
gp-256	22	10	it	it	PRON
gp-256	22	11	provides	provide	VERB
gp-256	22	12	easier	easy	ADJ
gp-256	22	13	and	and	CCONJ
gp-256	22	14	faster	fast	ADJ
gp-256	22	15	access	access	NOUN
gp-256	22	16	to	to	ADP
gp-256	22	17	finance	finance	NOUN
gp-256	22	18	,	,	PUNCT
gp-256	22	19	especially	especially	ADV
gp-256	22	20	for	for	ADP
gp-256	22	21	individuals	individual	NOUN
gp-256	22	22	or	or	CCONJ
gp-256	22	23	small	small	ADJ
gp-256	22	24	businesses	business	NOUN
gp-256	22	25	who	who	PRON
gp-256	22	26	have	have	VERB
gp-256	22	27	difficulty	difficulty	NOUN
gp-256	22	28	obtaining	obtain	VERB
gp-256	22	29	loans	loan	NOUN
gp-256	22	30	from	from	ADP
gp-256	22	31	traditional	traditional	ADJ
gp-256	22	32	financial	financial	ADJ
gp-256	22	33	institutions	institution	NOUN
gp-256	22	34	such	such	ADJ
gp-256	22	35	as	as	ADP
gp-256	22	36	banks	bank	NOUN
gp-256	22	37	(	(	PUNCT
gp-256	22	38	unbanked	unbanked	ADJ
gp-256	22	39	and	and	CCONJ
gp-256	22	40	underserved	underserved	ADJ
gp-256	22	41	)	)	PUNCT
gp-256	22	42	.	.	PUNCT
gp-256	23	1	this	this	DET
gp-256	23	2	model	model	NOUN
gp-256	23	3	allows	allow	VERB
gp-256	23	4	borrowers	borrower	NOUN
gp-256	23	5	to	to	PART
gp-256	23	6	obtain	obtain	VERB
gp-256	23	7	funds	fund	NOUN
gp-256	23	8	from	from	ADP
gp-256	23	9	investors	investor	NOUN
gp-256	23	10	through	through	ADP
gp-256	23	11	digital	digital	ADJ
gp-256	23	12	platforms	platform	NOUN
gp-256	23	13	without	without	ADP
gp-256	23	14	going	go	VERB
gp-256	23	15	through	through	ADP
gp-256	23	16	complicated	complicate	VERB
gp-256	23	17	banking	banking	NOUN
gp-256	23	18	processes	process	NOUN
gp-256	23	19	.	.	PUNCT
gp-256	24	1	the	the	DET
gp-256	24	2	global	global	ADJ
gp-256	24	3	banking	banking	NOUN
gp-256	24	4	industry	industry	NOUN
gp-256	24	5	,	,	PUNCT
gp-256	24	6	including	include	VERB
gp-256	24	7	in	in	ADP
gp-256	24	8	indonesia	indonesia	PROPN
gp-256	24	9	,	,	PUNCT
gp-256	24	10	has	have	AUX
gp-256	24	11	undergone	undergo	VERB
gp-256	24	12	major	major	ADJ
gp-256	24	13	transformation	transformation	NOUN
gp-256	24	14	with	with	ADP
gp-256	24	15	the	the	DET
gp-256	24	16	presence	presence	NOUN
gp-256	24	17	of	of	ADP
gp-256	24	18	financial	financial	ADJ
gp-256	24	19	technology	technology	NOUN
gp-256	24	20	(	(	PUNCT
gp-256	24	21	fintech	fintech	NOUN
gp-256	24	22	)	)	PUNCT
gp-256	24	23	.	.	PUNCT
gp-256	25	1	changes	change	NOUN
gp-256	25	2	in	in	ADP
gp-256	25	3	consumer	consumer	NOUN
gp-256	25	4	behavior	behavior	NOUN
gp-256	25	5	that	that	PRON
gp-256	25	6	prioritize	prioritize	VERB
gp-256	25	7	digital	digital	ADJ
gp-256	25	8	services	service	NOUN
gp-256	25	9	,	,	PUNCT
gp-256	25	10	ease	ease	NOUN
gp-256	25	11	of	of	ADP
gp-256	25	12	access	access	NOUN
gp-256	25	13	,	,	PUNCT
gp-256	25	14	and	and	CCONJ
gp-256	25	15	transaction	transaction	NOUN
gp-256	25	16	speed	speed	NOUN
gp-256	25	17	have	have	AUX
gp-256	25	18	encouraged	encourage	VERB
gp-256	25	19	banks	bank	NOUN
gp-256	25	20	to	to	PART
gp-256	25	21	innovate	innovate	VERB
gp-256	25	22	and	and	CCONJ
gp-256	25	23	collaborate	collaborate	VERB
gp-256	25	24	with	with	ADP
gp-256	25	25	fintechs	fintech	NOUN
gp-256	25	26	to	to	PART
gp-256	25	27	remain	remain	VERB
gp-256	25	28	competitive	competitive	ADJ
gp-256	25	29	(	(	PUNCT
gp-256	25	30	alshweesh	alshweesh	PROPN
gp-256	25	31	&	&	CCONJ
gp-256	25	32	bandi	bandi	PROPN
gp-256	25	33	,	,	PUNCT
gp-256	25	34	2022	2022	NUM
gp-256	25	35	;	;	PUNCT
gp-256	25	36	meiryani	meiryani	X
gp-256	25	37	et	et	PROPN
gp-256	25	38	al	al	PROPN
gp-256	25	39	.	.	PROPN
gp-256	25	40	,	,	PUNCT
gp-256	25	41	2022	2022	NUM
gp-256	25	42	;	;	PUNCT
gp-256	25	43	raya	raya	PROPN
gp-256	25	44	&	&	CCONJ
gp-256	25	45	kartawinata	kartawinata	PROPN
gp-256	25	46	,	,	PUNCT
gp-256	25	47	2022	2022	NUM
gp-256	25	48	)	)	PUNCT
gp-256	25	49	.	.	PUNCT
gp-256	26	1	according	accord	VERB
gp-256	26	2	to	to	ADP
gp-256	26	3	the	the	DET
gp-256	26	4	financial	financial	ADJ
gp-256	26	5	services	service	NOUN
gp-256	26	6	authority	authority	NOUN
gp-256	26	7	(	(	PUNCT
gp-256	26	8	ojk	ojk	NOUN
gp-256	26	9	)	)	PUNCT
gp-256	26	10	2024	2024	NUM
gp-256	26	11	report	report	NOUN
gp-256	26	12	,	,	PUNCT
gp-256	26	13	the	the	DET
gp-256	26	14	penetration	penetration	NOUN
gp-256	26	15	of	of	ADP
gp-256	26	16	digital	digital	ADJ
gp-256	26	17	banking	banking	NOUN
gp-256	26	18	services	service	NOUN
gp-256	26	19	in	in	ADP
gp-256	26	20	indonesia	indonesia	PROPN
gp-256	26	21	is	be	AUX
gp-256	26	22	increasing	increase	VERB
gp-256	26	23	rapidly	rapidly	ADV
gp-256	26	24	.	.	PUNCT
gp-256	27	1	the	the	DET
gp-256	27	2	number	number	NOUN
gp-256	27	3	of	of	ADP
gp-256	27	4	mobile	mobile	ADJ
gp-256	27	5	banking	banking	NOUN
gp-256	27	6	and	and	CCONJ
gp-256	27	7	digital	digital	ADJ
gp-256	27	8	banking	banking	NOUN
gp-256	27	9	users	user	NOUN
gp-256	27	10	has	have	AUX
gp-256	27	11	increased	increase	VERB
gp-256	27	12	by	by	ADP
gp-256	27	13	45	45	NUM
gp-256	27	14	%	%	NOUN
gp-256	27	15	in	in	ADP
gp-256	27	16	the	the	DET
gp-256	27	17	last	last	ADJ
gp-256	27	18	three	three	NUM
gp-256	27	19	years	year	NOUN
gp-256	27	20	,	,	PUNCT
gp-256	27	21	showing	show	VERB
gp-256	27	22	that	that	SCONJ
gp-256	27	23	people	people	NOUN
gp-256	27	24	are	be	AUX
gp-256	27	25	increasingly	increasingly	ADV
gp-256	27	26	accustomed	accustom	VERB
gp-256	27	27	to	to	ADP
gp-256	27	28	technologybased	technologybase	VERB
gp-256	27	29	financial	financial	ADJ
gp-256	27	30	services	service	NOUN
gp-256	27	31	.	.	PUNCT
gp-256	28	1	egidio	egidio	PROPN
gp-256	28	2	palmieri	palmieri	PROPN
gp-256	28	3	and	and	CCONJ
gp-256	28	4	greta	greta	PROPN
gp-256	28	5	benedetta	benedetta	PROPN
gp-256	28	6	ferilli	ferilli	PROPN
gp-256	28	7	(	(	PUNCT
gp-256	28	8	european	european	PROPN
gp-256	28	9	journal	journal	PROPN
gp-256	28	10	of	of	ADP
gp-256	28	11	innovation	innovation	NOUN
gp-256	28	12	management	management	NOUN
gp-256	28	13	,	,	PUNCT
gp-256	28	14	2024	2024	NUM
gp-256	28	15	)	)	PUNCT
gp-256	28	16	state	state	NOUN
gp-256	28	17	in	in	ADP
gp-256	28	18	their	their	PRON
gp-256	28	19	journal	journal	NOUN
gp-256	28	20	that	that	PRON
gp-256	28	21	p2p	p2p	NOUN
gp-256	28	22	lending	lending	NOUN
gp-256	28	23	is	be	AUX
gp-256	28	24	gaining	gain	VERB
gp-256	28	25	popularity	popularity	NOUN
gp-256	28	26	,	,	PUNCT
gp-256	28	27	offering	offer	VERB
gp-256	28	28	faster	fast	ADJ
gp-256	28	29	access	access	NOUN
gp-256	28	30	and	and	CCONJ
gp-256	28	31	better	well	ADJ
gp-256	28	32	flexibility	flexibility	NOUN
gp-256	28	33	than	than	ADP
gp-256	28	34	conventional	conventional	ADJ
gp-256	28	35	bank	bank	NOUN
gp-256	28	36	credit	credit	NOUN
gp-256	28	37	.	.	PUNCT
gp-256	29	1	in	in	ADP
gp-256	29	2	italy	italy	PROPN
gp-256	29	3	,	,	PUNCT
gp-256	29	4	banking	banking	NOUN
gp-256	29	5	remains	remain	VERB
gp-256	29	6	the	the	DET
gp-256	29	7	top	top	ADJ
gp-256	29	8	choice	choice	NOUN
gp-256	29	9	for	for	ADP
gp-256	29	10	smes	sme	NOUN
gp-256	29	11	due	due	ADP
gp-256	29	12	to	to	ADP
gp-256	29	13	the	the	DET
gp-256	29	14	trust	trust	NOUN
gp-256	29	15	,	,	PUNCT
gp-256	29	16	accessibility	accessibility	NOUN
gp-256	29	17	,	,	PUNCT
gp-256	29	18	and	and	CCONJ
gp-256	29	19	stability	stability	NOUN
gp-256	29	20	factors	factor	NOUN
gp-256	29	21	offered	offer	VERB
gp-256	29	22	;	;	PUNCT
gp-256	29	23	collaboration	collaboration	NOUN
gp-256	29	24	between	between	ADP
gp-256	29	25	banks	bank	NOUN
gp-256	29	26	and	and	CCONJ
gp-256	29	27	p2p	p2p	NOUN
gp-256	29	28	lending	lending	NOUN
gp-256	29	29	platforms	platform	NOUN
gp-256	29	30	can	can	AUX
gp-256	29	31	create	create	VERB
gp-256	29	32	a	a	DET
gp-256	29	33	hybrid	hybrid	ADJ
gp-256	29	34	financing	financing	NOUN
gp-256	29	35	model	model	NOUN
gp-256	29	36	that	that	PRON
gp-256	29	37	is	be	AUX
gp-256	29	38	more	more	ADV
gp-256	29	39	optimal	optimal	ADJ
gp-256	29	40	in	in	ADP
gp-256	29	41	meeting	meet	VERB
gp-256	29	42	the	the	DET
gp-256	29	43	needs	need	NOUN
gp-256	29	44	of	of	ADP
gp-256	29	45	smes	sme	NOUN
gp-256	29	46	.	.	PUNCT
gp-256	30	1	banks	bank	NOUN
gp-256	30	2	must	must	AUX
gp-256	30	3	innovate	innovate	VERB
gp-256	30	4	so	so	ADV
gp-256	30	5	as	as	SCONJ
gp-256	30	6	not	not	PART
gp-256	30	7	to	to	PART
gp-256	30	8	be	be	AUX
gp-256	30	9	inferior	inferior	ADJ
gp-256	30	10	to	to	ADP
gp-256	30	11	fintech	fintech	NOUN
gp-256	30	12	platforms	platform	NOUN
gp-256	30	13	that	that	PRON
gp-256	30	14	offer	offer	VERB
gp-256	30	15	faster	fast	ADJ
gp-256	30	16	and	and	CCONJ
gp-256	30	17	more	more	ADV
gp-256	30	18	flexible	flexible	ADJ
gp-256	30	19	processes	process	NOUN
gp-256	30	20	.	.	PUNCT
gp-256	31	1	nowadays	nowadays	ADV
gp-256	31	2	,	,	PUNCT
gp-256	31	3	most	most	ADJ
gp-256	31	4	of	of	ADP
gp-256	31	5	this	this	DET
gp-256	31	6	business	business	NOUN
gp-256	31	7	pattern	pattern	NOUN
gp-256	31	8	has	have	AUX
gp-256	31	9	been	be	AUX
gp-256	31	10	carried	carry	VERB
gp-256	31	11	out	out	ADP
gp-256	31	12	by	by	ADP
gp-256	31	13	creditors	creditor	NOUN
gp-256	31	14	,	,	PUNCT
gp-256	31	15	either	either	CCONJ
gp-256	31	16	commercial	commercial	ADJ
gp-256	31	17	banks	bank	NOUN
gp-256	31	18	or	or	CCONJ
gp-256	31	19	bprs	bprs	NOUN
gp-256	31	20	,	,	PUNCT
gp-256	31	21	with	with	ADP
gp-256	31	22	bprs	bprs	NOUN
gp-256	31	23	,	,	PUNCT
gp-256	31	24	multifinance	multifinance	NOUN
gp-256	31	25	companies	company	NOUN
gp-256	31	26	,	,	PUNCT
gp-256	31	27	cooperatives	cooperative	NOUN
gp-256	31	28	,	,	PUNCT
gp-256	31	29	fintech	fintech	NOUN
gp-256	31	30	,	,	PUNCT
gp-256	31	31	and	and	CCONJ
gp-256	31	32	other	other	ADJ
gp-256	31	33	financial	financial	ADJ
gp-256	31	34	institutions	institution	NOUN
gp-256	31	35	distributing	distribute	VERB
gp-256	31	36	directly	directly	ADV
gp-256	31	37	to	to	ADP
gp-256	31	38	debtors	debtor	NOUN
gp-256	31	39	(	(	PUNCT
gp-256	31	40	end	end	NOUN
gp-256	31	41	users	user	NOUN
gp-256	31	42	)	)	PUNCT
gp-256	31	43	.	.	PUNCT
gp-256	32	1	however	however	ADV
gp-256	32	2	,	,	PUNCT
gp-256	32	3	with	with	ADP
gp-256	32	4	the	the	DET
gp-256	32	5	presence	presence	NOUN
gp-256	32	6	of	of	ADP
gp-256	32	7	p2p	p2p	NOUN
gp-256	32	8	fintech	fintech	NOUN
gp-256	32	9	directly	directly	ADV
gp-256	32	10	bridging	bridge	VERB
gp-256	32	11	fund	fund	NOUN
gp-256	32	12	owners	owner	NOUN
gp-256	32	13	with	with	ADP
gp-256	32	14	borrowers	borrower	NOUN
gp-256	32	15	,	,	PUNCT
gp-256	32	16	it	it	PRON
gp-256	32	17	can	can	AUX
gp-256	32	18	slowly	slowly	ADV
gp-256	32	19	assume	assume	VERB
gp-256	32	20	the	the	DET
gp-256	32	21	function	function	NOUN
gp-256	32	22	of	of	ADP
gp-256	32	23	banking	banking	NOUN
gp-256	32	24	intermediation	intermediation	NOUN
gp-256	32	25	in	in	ADP
gp-256	32	26	distributing	distribute	VERB
gp-256	32	27	credit	credit	NOUN
gp-256	32	28	,	,	PUNCT
gp-256	32	29	which	which	PRON
gp-256	32	30	could	could	AUX
gp-256	32	31	ultimately	ultimately	ADV
gp-256	32	32	shut	shut	VERB
gp-256	32	33	down	down	ADP
gp-256	32	34	banking	banking	NOUN
gp-256	32	35	.	.	PUNCT
gp-256	33	1	huan	huan	PROPN
gp-256	33	2	tang	tang	PROPN
gp-256	33	3	(	(	PUNCT
gp-256	33	4	2019	2019	NUM
gp-256	33	5	)	)	PUNCT
gp-256	33	6	,	,	PUNCT
gp-256	33	7	hec	hec	PROPN
gp-256	33	8	paris	paris	PROPN
gp-256	33	9	–	–	PUNCT
gp-256	33	10	published	publish	VERB
gp-256	33	11	by	by	ADP
gp-256	33	12	oxford	oxford	PROPN
gp-256	33	13	university	university	PROPN
gp-256	33	14	,	,	PUNCT
gp-256	33	15	discusses	discuss	VERB
gp-256	33	16	the	the	DET
gp-256	33	17	relationship	relationship	NOUN
gp-256	33	18	between	between	ADP
gp-256	33	19	banks	bank	NOUN
gp-256	33	20	and	and	CCONJ
gp-256	33	21	p2p	p2p	NOUN
gp-256	33	22	lending	lending	NOUN
gp-256	33	23	platforms	platform	NOUN
gp-256	33	24	in	in	ADP
gp-256	33	25	the	the	DET
gp-256	33	26	consumer	consumer	NOUN
gp-256	33	27	credit	credit	NOUN
gp-256	33	28	market	market	NOUN
gp-256	33	29	,	,	PUNCT
gp-256	33	30	focusing	focus	VERB
gp-256	33	31	primarily	primarily	ADV
gp-256	33	32	on	on	ADP
gp-256	33	33	whether	whether	SCONJ
gp-256	33	34	they	they	PRON
gp-256	33	35	act	act	VERB
gp-256	33	36	as	as	ADP
gp-256	33	37	substitutes	substitute	NOUN
gp-256	33	38	or	or	CCONJ
gp-256	33	39	complements	complement	NOUN
gp-256	33	40	.	.	PUNCT
gp-256	34	1	p2p	p2p	NOUN
gp-256	34	2	as	as	SCONJ
gp-256	34	3	bank	bank	NOUN
gp-256	34	4	substitution	substitution	NOUN
gp-256	34	5	especially	especially	ADV
gp-256	34	6	occurs	occur	VERB
gp-256	34	7	with	with	ADP
gp-256	34	8	borrowers	borrower	NOUN
gp-256	34	9	of	of	ADP
gp-256	34	10	low	low	ADJ
gp-256	34	11	credit	credit	NOUN
gp-256	34	12	quality	quality	NOUN
gp-256	34	13	who	who	PRON
gp-256	34	14	previously	previously	ADV
gp-256	34	15	took	take	VERB
gp-256	34	16	loans	loan	NOUN
gp-256	34	17	from	from	ADP
gp-256	34	18	banks	bank	NOUN
gp-256	34	19	.	.	PUNCT
gp-256	35	1	p2p	p2p	NOUN
gp-256	35	2	as	as	ADP
gp-256	35	3	a	a	DET
gp-256	35	4	complement	complement	NOUN
gp-256	35	5	to	to	ADP
gp-256	35	6	banks	bank	NOUN
gp-256	35	7	especially	especially	ADV
gp-256	35	8	applies	apply	VERB
gp-256	35	9	in	in	ADP
gp-256	35	10	terms	term	NOUN
gp-256	35	11	of	of	ADP
gp-256	35	12	smaller	small	ADJ
gp-256	35	13	loan	loan	NOUN
gp-256	35	14	sizes	size	NOUN
gp-256	35	15	than	than	SCONJ
gp-256	35	16	banks	bank	NOUN
gp-256	35	17	offer	offer	VERB
gp-256	35	18	.	.	PUNCT
gp-256	36	1	anestia	anestia	PROPN
gp-256	36	2	hayubriandini	hayubriandini	PROPN
gp-256	36	3	fermay	fermay	PROPN
gp-256	36	4	et	et	PROPN
gp-256	36	5	al	al	PROPN
gp-256	36	6	.	.	PROPN
gp-256	37	1	(	(	PUNCT
gp-256	37	2	2018	2018	NUM
gp-256	37	3	)	)	PUNCT
gp-256	37	4	discussed	discuss	VERB
gp-256	37	5	a	a	DET
gp-256	37	6	journal	journal	NOUN
gp-256	37	7	on	on	ADP
gp-256	37	8	the	the	DET
gp-256	37	9	collaboration	collaboration	NOUN
gp-256	37	10	model	model	NOUN
gp-256	37	11	between	between	ADP
gp-256	37	12	fintech	fintech	NOUN
gp-256	37	13	and	and	CCONJ
gp-256	37	14	banks	bank	NOUN
gp-256	37	15	in	in	ADP
gp-256	37	16	indonesia	indonesia	PROPN
gp-256	37	17	,	,	PUNCT
gp-256	37	18	focusing	focus	VERB
gp-256	37	19	on	on	ADP
gp-256	37	20	peer	peer	NOUN
gp-256	37	21	-	-	PUNCT
gp-256	37	22	to	to	ADP
gp-256	37	23	-	-	PUNCT
gp-256	37	24	peer	peer	NOUN
gp-256	37	25	(	(	PUNCT
gp-256	37	26	p2p	p2p	NOUN
gp-256	37	27	)	)	PUNCT
gp-256	37	28	lending	lending	NOUN
gp-256	37	29	schemes	scheme	NOUN
gp-256	37	30	.	.	PUNCT
gp-256	38	1	this	this	DET
gp-256	38	2	study	study	NOUN
gp-256	38	3	used	use	VERB
gp-256	38	4	a	a	DET
gp-256	38	5	literature	literature	NOUN
gp-256	38	6	review	review	NOUN
gp-256	38	7	method	method	NOUN
gp-256	38	8	combining	combine	VERB
gp-256	38	9	theoretical	theoretical	ADJ
gp-256	38	10	perspectives	perspective	NOUN
gp-256	38	11	,	,	PUNCT
gp-256	38	12	experiences	experience	NOUN
gp-256	38	13	from	from	ADP
gp-256	38	14	various	various	ADJ
gp-256	38	15	countries	country	NOUN
gp-256	38	16	,	,	PUNCT
gp-256	38	17	and	and	CCONJ
gp-256	38	18	conditions	condition	NOUN
gp-256	38	19	in	in	ADP
gp-256	38	20	indonesia	indonesia	PROPN
gp-256	38	21	.	.	PUNCT
gp-256	39	1	the	the	DET
gp-256	39	2	study	study	NOUN
gp-256	39	3	found	find	VERB
gp-256	39	4	that	that	SCONJ
gp-256	39	5	collaboration	collaboration	NOUN
gp-256	39	6	between	between	ADP
gp-256	39	7	fintech	fintech	NOUN
gp-256	39	8	and	and	CCONJ
gp-256	39	9	banks	bank	NOUN
gp-256	39	10	is	be	AUX
gp-256	39	11	a	a	DET
gp-256	39	12	viable	viable	ADJ
gp-256	39	13	option	option	NOUN
gp-256	39	14	,	,	PUNCT
gp-256	39	15	with	with	ADP
gp-256	39	16	several	several	ADJ
gp-256	39	17	requirements	requirement	NOUN
gp-256	39	18	that	that	PRON
gp-256	39	19	must	must	AUX
gp-256	39	20	be	be	AUX
gp-256	39	21	met	meet	VERB
gp-256	39	22	.	.	PUNCT
gp-256	40	1	this	this	DET
gp-256	40	2	collaboration	collaboration	NOUN
gp-256	40	3	can	can	AUX
gp-256	40	4	overcome	overcome	VERB
gp-256	40	5	traditional	traditional	ADJ
gp-256	40	6	banking	banking	NOUN
gp-256	40	7	challenges	challenge	NOUN
gp-256	40	8	,	,	PUNCT
gp-256	40	9	improve	improve	VERB
gp-256	40	10	operational	operational	ADJ
gp-256	40	11	efficiency	efficiency	NOUN
gp-256	40	12	,	,	PUNCT
gp-256	40	13	and	and	CCONJ
gp-256	40	14	open	open	VERB
gp-256	40	15	financial	financial	ADJ
gp-256	40	16	access	access	NOUN
gp-256	40	17	for	for	ADP
gp-256	40	18	underserved	underserved	ADJ
gp-256	40	19	segments	segment	NOUN
gp-256	40	20	.	.	PUNCT
gp-256	41	1	the	the	DET
gp-256	41	2	journal	journal	PROPN
gp-256	41	3	relies	rely	VERB
gp-256	41	4	solely	solely	ADV
gp-256	41	5	on	on	ADP
gp-256	41	6	literature	literature	NOUN
gp-256	41	7	studies	study	NOUN
gp-256	41	8	american	american	PROPN
gp-256	41	9	journal	journal	PROPN
gp-256	41	10	of	of	ADP
gp-256	41	11	economic	economic	ADJ
gp-256	41	12	and	and	CCONJ
gp-256	41	13	management	management	NOUN
gp-256	41	14	business	business	NOUN
gp-256	41	15	vol	vol	NOUN
gp-256	41	16	.	.	PROPN
gp-256	42	1	4	4	NUM
gp-256	42	2	no	no	NOUN
gp-256	42	3	.	.	NOUN
gp-256	42	4	8	8	NUM
gp-256	42	5	agustus	agustus	NOUN
gp-256	42	6	2025	2025	NUM
gp-256	42	7	1302	1302	NUM
gp-256	42	8	and	and	CCONJ
gp-256	42	9	does	do	AUX
gp-256	42	10	not	not	PART
gp-256	42	11	present	present	VERB
gp-256	42	12	primary	primary	ADJ
gp-256	42	13	data	datum	NOUN
gp-256	42	14	from	from	ADP
gp-256	42	15	the	the	DET
gp-256	42	16	fintech	fintech	NOUN
gp-256	42	17	and	and	CCONJ
gp-256	42	18	banking	banking	NOUN
gp-256	42	19	industry	industry	NOUN
gp-256	42	20	in	in	ADP
gp-256	42	21	indonesia	indonesia	PROPN
gp-256	42	22	,	,	PUNCT
gp-256	42	23	nor	nor	CCONJ
gp-256	42	24	does	do	AUX
gp-256	42	25	it	it	PRON
gp-256	42	26	deeply	deeply	ADV
gp-256	42	27	explore	explore	VERB
gp-256	42	28	regulatory	regulatory	ADJ
gp-256	42	29	aspects	aspect	NOUN
gp-256	42	30	or	or	CCONJ
gp-256	42	31	apply	apply	VERB
gp-256	42	32	the	the	DET
gp-256	42	33	business	business	NOUN
gp-256	42	34	model	model	NOUN
gp-256	42	35	canvas	canvas	PROPN
gp-256	42	36	,	,	PUNCT
gp-256	42	37	swot	swot	PROPN
gp-256	42	38	,	,	PUNCT
gp-256	42	39	and	and	CCONJ
gp-256	42	40	ten	ten	NUM
gp-256	42	41	types	type	NOUN
gp-256	42	42	of	of	ADP
gp-256	42	43	innovation	innovation	NOUN
gp-256	42	44	framework	framework	NOUN
gp-256	42	45	approaches	approach	NOUN
gp-256	42	46	for	for	ADP
gp-256	42	47	banks	bank	NOUN
gp-256	42	48	in	in	ADP
gp-256	42	49	indonesia	indonesia	PROPN
gp-256	42	50	pursuing	pursue	VERB
gp-256	42	51	collaboration	collaboration	NOUN
gp-256	42	52	strategies	strategy	NOUN
gp-256	42	53	with	with	ADP
gp-256	42	54	peer	peer	NOUN
gp-256	42	55	-	-	PUNCT
gp-256	42	56	to	to	ADP
gp-256	42	57	-	-	PUNCT
gp-256	42	58	peer	peer	NOUN
gp-256	42	59	lending	lending	NOUN
gp-256	42	60	.	.	PUNCT
gp-256	43	1	bank	bank	PROPN
gp-256	43	2	xyz	xyz	PROPN
gp-256	43	3	’s	’s	PART
gp-256	43	4	existing	exist	VERB
gp-256	43	5	strategy	strategy	NOUN
gp-256	43	6	in	in	ADP
gp-256	43	7	implementing	implement	VERB
gp-256	43	8	the	the	DET
gp-256	43	9	channelling	channel	VERB
gp-256	43	10	scheme	scheme	NOUN
gp-256	43	11	still	still	ADV
gp-256	43	12	faces	face	VERB
gp-256	43	13	structural	structural	ADJ
gp-256	43	14	challenges	challenge	NOUN
gp-256	43	15	,	,	PUNCT
gp-256	43	16	including	include	VERB
gp-256	43	17	limited	limited	ADJ
gp-256	43	18	backend	backend	NOUN
gp-256	43	19	system	system	NOUN
gp-256	43	20	integration	integration	NOUN
gp-256	43	21	,	,	PUNCT
gp-256	43	22	suboptimal	suboptimal	ADJ
gp-256	43	23	segmentation	segmentation	NOUN
gp-256	43	24	of	of	ADP
gp-256	43	25	target	target	NOUN
gp-256	43	26	borrowers	borrower	NOUN
gp-256	43	27	,	,	PUNCT
gp-256	43	28	and	and	CCONJ
gp-256	43	29	reliance	reliance	NOUN
gp-256	43	30	on	on	ADP
gp-256	43	31	conventional	conventional	ADJ
gp-256	43	32	(	(	PUNCT
gp-256	43	33	offline	offline	ADJ
gp-256	43	34	)	)	PUNCT
gp-256	43	35	acquisition	acquisition	NOUN
gp-256	43	36	processes	process	NOUN
gp-256	43	37	.	.	PUNCT
gp-256	44	1	in	in	ADP
gp-256	44	2	addition	addition	NOUN
gp-256	44	3	,	,	PUNCT
gp-256	44	4	there	there	PRON
gp-256	44	5	is	be	VERB
gp-256	44	6	no	no	DET
gp-256	44	7	joint	joint	ADJ
gp-256	44	8	scoring	scoring	NOUN
gp-256	44	9	model	model	NOUN
gp-256	44	10	or	or	CCONJ
gp-256	44	11	profit	profit	NOUN
gp-256	44	12	-	-	PUNCT
gp-256	44	13	sharing	share	VERB
gp-256	44	14	scheme	scheme	NOUN
gp-256	44	15	adaptive	adaptive	ADV
gp-256	44	16	to	to	ADP
gp-256	44	17	the	the	DET
gp-256	44	18	borrower	borrower	NOUN
gp-256	44	19	’s	’s	PART
gp-256	44	20	risk	risk	NOUN
gp-256	44	21	profile	profile	NOUN
gp-256	44	22	.	.	PUNCT
gp-256	45	1	this	this	DET
gp-256	45	2	gap	gap	NOUN
gp-256	45	3	underscores	underscore	VERB
gp-256	45	4	the	the	DET
gp-256	45	5	urgency	urgency	NOUN
gp-256	45	6	of	of	ADP
gp-256	45	7	formulating	formulate	VERB
gp-256	45	8	advanced	advanced	ADJ
gp-256	45	9	collaboration	collaboration	NOUN
gp-256	45	10	strategies	strategy	NOUN
gp-256	45	11	that	that	PRON
gp-256	45	12	are	be	AUX
gp-256	45	13	more	more	ADV
gp-256	45	14	innovative	innovative	ADJ
gp-256	45	15	,	,	PUNCT
gp-256	45	16	agile	agile	ADJ
gp-256	45	17	,	,	PUNCT
gp-256	45	18	and	and	CCONJ
gp-256	45	19	integrated	integrate	VERB
gp-256	45	20	with	with	ADP
gp-256	45	21	the	the	DET
gp-256	45	22	fintech	fintech	NOUN
gp-256	45	23	system	system	NOUN
gp-256	45	24	.	.	PUNCT
gp-256	46	1	this	this	DET
gp-256	46	2	study	study	NOUN
gp-256	46	3	aims	aim	VERB
gp-256	46	4	to	to	PART
gp-256	46	5	analyze	analyze	VERB
gp-256	46	6	the	the	DET
gp-256	46	7	collaborative	collaborative	ADJ
gp-256	46	8	innovation	innovation	NOUN
gp-256	46	9	strategy	strategy	NOUN
gp-256	46	10	implemented	implement	VERB
gp-256	46	11	by	by	ADP
gp-256	46	12	bank	bank	PROPN
gp-256	46	13	xyz	xyz	PROPN
gp-256	46	14	in	in	ADP
gp-256	46	15	carrying	carry	VERB
gp-256	46	16	out	out	ADP
gp-256	46	17	a	a	DET
gp-256	46	18	business	business	NOUN
gp-256	46	19	model	model	NOUN
gp-256	46	20	strategy	strategy	NOUN
gp-256	46	21	of	of	ADP
gp-256	46	22	multipurpose	multipurpose	NOUN
gp-256	46	23	credit	credit	NOUN
gp-256	46	24	channeling	channel	VERB
gp-256	46	25	through	through	ADP
gp-256	46	26	fintech	fintech	NOUN
gp-256	46	27	peer	peer	NOUN
gp-256	46	28	-	-	PUNCT
gp-256	46	29	to	to	ADP
gp-256	46	30	-	-	PUNCT
gp-256	46	31	peer	peer	NOUN
gp-256	46	32	lending	lending	NOUN
gp-256	46	33	and	and	CCONJ
gp-256	46	34	the	the	DET
gp-256	46	35	role	role	NOUN
gp-256	46	36	of	of	ADP
gp-256	46	37	banks	bank	NOUN
gp-256	46	38	as	as	ADP
gp-256	46	39	fund	fund	NOUN
gp-256	46	40	providers	provider	NOUN
gp-256	46	41	(	(	PUNCT
gp-256	46	42	channeling	channel	VERB
gp-256	46	43	banks	bank	NOUN
gp-256	46	44	)	)	PUNCT
gp-256	46	45	in	in	ADP
gp-256	46	46	the	the	DET
gp-256	46	47	fintech	fintech	NOUN
gp-256	46	48	p2p	p2p	NOUN
gp-256	46	49	lending	lending	NOUN
gp-256	46	50	ecosystem	ecosystem	NOUN
gp-256	46	51	,	,	PUNCT
gp-256	46	52	and	and	CCONJ
gp-256	46	53	how	how	SCONJ
gp-256	46	54	bank	bank	NOUN
gp-256	46	55	xyz	xyz	PROPN
gp-256	46	56	can	can	AUX
gp-256	46	57	improve	improve	VERB
gp-256	46	58	its	its	PRON
gp-256	46	59	business	business	NOUN
gp-256	46	60	sustainability	sustainability	NOUN
gp-256	46	61	in	in	ADP
gp-256	46	62	this	this	DET
gp-256	46	63	environment	environment	NOUN
gp-256	46	64	.	.	PUNCT
gp-256	47	1	the	the	DET
gp-256	47	2	research	research	NOUN
gp-256	47	3	will	will	AUX
gp-256	47	4	also	also	ADV
gp-256	47	5	involve	involve	VERB
gp-256	47	6	an	an	DET
gp-256	47	7	in	in	ADP
gp-256	47	8	-	-	PUNCT
gp-256	47	9	depth	depth	NOUN
gp-256	47	10	analysis	analysis	NOUN
gp-256	47	11	of	of	ADP
gp-256	47	12	trends	trend	NOUN
gp-256	47	13	in	in	ADP
gp-256	47	14	the	the	DET
gp-256	47	15	fintech	fintech	NOUN
gp-256	47	16	p2p	p2p	NOUN
gp-256	47	17	lending	lending	NOUN
gp-256	47	18	industry	industry	NOUN
gp-256	47	19	,	,	PUNCT
gp-256	47	20	related	relate	VERB
gp-256	47	21	regulatory	regulatory	ADJ
gp-256	47	22	changes	change	NOUN
gp-256	47	23	,	,	PUNCT
gp-256	47	24	and	and	CCONJ
gp-256	47	25	explore	explore	VERB
gp-256	47	26	various	various	ADJ
gp-256	47	27	innovative	innovative	ADJ
gp-256	47	28	strategies	strategy	NOUN
gp-256	47	29	that	that	PRON
gp-256	47	30	can	can	AUX
gp-256	47	31	be	be	AUX
gp-256	47	32	used	use	VERB
gp-256	47	33	by	by	ADP
gp-256	47	34	bank	bank	PROPN
gp-256	47	35	xyz	xyz	PROPN
gp-256	47	36	,	,	PUNCT
gp-256	47	37	such	such	ADJ
gp-256	47	38	as	as	ADP
gp-256	47	39	product	product	NOUN
gp-256	47	40	development	development	NOUN
gp-256	47	41	,	,	PUNCT
gp-256	47	42	collaboration	collaboration	NOUN
gp-256	47	43	with	with	ADP
gp-256	47	44	fintech	fintech	NOUN
gp-256	47	45	platforms	platform	NOUN
gp-256	47	46	,	,	PUNCT
gp-256	47	47	or	or	CCONJ
gp-256	47	48	expansion	expansion	NOUN
gp-256	47	49	of	of	ADP
gp-256	47	50	digital	digital	ADJ
gp-256	47	51	financial	financial	ADJ
gp-256	47	52	services	service	NOUN
gp-256	47	53	through	through	ADP
gp-256	47	54	the	the	DET
gp-256	47	55	business	business	NOUN
gp-256	47	56	model	model	NOUN
gp-256	47	57	canvas	canvas	PROPN
gp-256	47	58	,	,	PUNCT
gp-256	47	59	swot	swot	PROPN
gp-256	47	60	,	,	PUNCT
gp-256	47	61	and	and	CCONJ
gp-256	47	62	ten	ten	NUM
gp-256	47	63	types	type	NOUN
gp-256	47	64	of	of	ADP
gp-256	47	65	innovation	innovation	NOUN
gp-256	47	66	framework	framework	NOUN
gp-256	47	67	approaches	approach	NOUN
gp-256	47	68	.	.	PUNCT
gp-256	48	1	sustainability	sustainability	NOUN
gp-256	48	2	in	in	ADP
gp-256	48	3	the	the	DET
gp-256	48	4	banking	banking	NOUN
gp-256	48	5	business	business	NOUN
gp-256	48	6	is	be	AUX
gp-256	48	7	currently	currently	ADV
gp-256	48	8	a	a	DET
gp-256	48	9	crucial	crucial	ADJ
gp-256	48	10	issue	issue	NOUN
gp-256	48	11	,	,	PUNCT
gp-256	48	12	especially	especially	ADV
gp-256	48	13	in	in	ADP
gp-256	48	14	the	the	DET
gp-256	48	15	context	context	NOUN
gp-256	48	16	of	of	ADP
gp-256	48	17	increasingly	increasingly	ADV
gp-256	48	18	fierce	fierce	ADJ
gp-256	48	19	competition	competition	NOUN
gp-256	48	20	and	and	CCONJ
gp-256	48	21	constant	constant	ADJ
gp-256	48	22	changes	change	NOUN
gp-256	48	23	in	in	ADP
gp-256	48	24	the	the	DET
gp-256	48	25	business	business	NOUN
gp-256	48	26	environment	environment	NOUN
gp-256	48	27	.	.	PUNCT
gp-256	49	1	therefore	therefore	ADV
gp-256	49	2	,	,	PUNCT
gp-256	49	3	this	this	DET
gp-256	49	4	research	research	NOUN
gp-256	49	5	will	will	AUX
gp-256	49	6	make	make	VERB
gp-256	49	7	an	an	DET
gp-256	49	8	important	important	ADJ
gp-256	49	9	contribution	contribution	NOUN
gp-256	49	10	to	to	ADP
gp-256	49	11	understanding	understand	VERB
gp-256	49	12	innovation	innovation	NOUN
gp-256	49	13	strategies	strategy	NOUN
gp-256	49	14	that	that	PRON
gp-256	49	15	can	can	AUX
gp-256	49	16	enable	enable	VERB
gp-256	49	17	bank	bank	PROPN
gp-256	49	18	xyz	xyz	PROPN
gp-256	49	19	to	to	PART
gp-256	49	20	face	face	VERB
gp-256	49	21	challenges	challenge	NOUN
gp-256	49	22	and	and	CCONJ
gp-256	49	23	take	take	VERB
gp-256	49	24	advantage	advantage	NOUN
gp-256	49	25	of	of	ADP
gp-256	49	26	the	the	DET
gp-256	49	27	opportunities	opportunity	NOUN
gp-256	49	28	offered	offer	VERB
gp-256	49	29	by	by	ADP
gp-256	49	30	fintech	fintech	NOUN
gp-256	49	31	p2p	p2p	NOUN
gp-256	49	32	lending	lending	NOUN
gp-256	49	33	while	while	SCONJ
gp-256	49	34	maintaining	maintain	VERB
gp-256	49	35	their	their	PRON
gp-256	49	36	business	business	NOUN
gp-256	49	37	sustainability	sustainability	NOUN
gp-256	49	38	.	.	PUNCT
gp-256	50	1	multipurpose	multipurpose	NOUN
gp-256	50	2	loans	loan	NOUN
gp-256	50	3	,	,	PUNCT
gp-256	50	4	as	as	ADP
gp-256	50	5	a	a	DET
gp-256	50	6	credit	credit	NOUN
gp-256	50	7	product	product	NOUN
gp-256	50	8	that	that	PRON
gp-256	50	9	is	be	AUX
gp-256	50	10	in	in	ADP
gp-256	50	11	great	great	ADJ
gp-256	50	12	demand	demand	NOUN
gp-256	50	13	by	by	ADP
gp-256	50	14	the	the	DET
gp-256	50	15	public	public	NOUN
gp-256	50	16	because	because	SCONJ
gp-256	50	17	of	of	ADP
gp-256	50	18	its	its	PRON
gp-256	50	19	flexibility	flexibility	NOUN
gp-256	50	20	for	for	ADP
gp-256	50	21	various	various	ADJ
gp-256	50	22	needs	need	NOUN
gp-256	50	23	such	such	ADJ
gp-256	50	24	as	as	ADP
gp-256	50	25	education	education	NOUN
gp-256	50	26	,	,	PUNCT
gp-256	50	27	health	health	NOUN
gp-256	50	28	,	,	PUNCT
gp-256	50	29	or	or	CCONJ
gp-256	50	30	other	other	ADJ
gp-256	50	31	consumption	consumption	NOUN
gp-256	50	32	,	,	PUNCT
gp-256	50	33	are	be	AUX
gp-256	50	34	the	the	DET
gp-256	50	35	main	main	ADJ
gp-256	50	36	focus	focus	NOUN
gp-256	50	37	of	of	ADP
gp-256	50	38	this	this	DET
gp-256	50	39	study	study	NOUN
gp-256	50	40	with	with	ADP
gp-256	50	41	the	the	DET
gp-256	50	42	theme	theme	NOUN
gp-256	50	43	"	"	PUNCT
gp-256	50	44	bank	bank	NOUN
gp-256	50	45	collaboration	collaboration	NOUN
gp-256	50	46	strategy	strategy	NOUN
gp-256	50	47	and	and	CCONJ
gp-256	50	48	peer	peer	NOUN
gp-256	50	49	-	-	PUNCT
gp-256	50	50	to	to	ADP
gp-256	50	51	-	-	PUNCT
gp-256	50	52	peer	peer	NOUN
gp-256	50	53	lending	lending	NOUN
gp-256	50	54	in	in	ADP
gp-256	50	55	multipurpose	multipurpose	NOUN
gp-256	50	56	credit	credit	NOUN
gp-256	50	57	optimization	optimization	NOUN
gp-256	50	58	of	of	ADP
gp-256	50	59	channelling	channel	VERB
gp-256	50	60	business	business	NOUN
gp-256	50	61	model	model	NOUN
gp-256	50	62	study	study	NOUN
gp-256	50	63	at	at	ADP
gp-256	50	64	bank	bank	PROPN
gp-256	50	65	xyz	xyz	PROPN
gp-256	50	66	"	"	PUNCT
gp-256	50	67	.	.	PUNCT
gp-256	51	1	this	this	DET
gp-256	51	2	research	research	NOUN
gp-256	51	3	aims	aim	VERB
gp-256	51	4	to	to	PART
gp-256	51	5	address	address	VERB
gp-256	51	6	problems	problem	NOUN
gp-256	51	7	related	relate	VERB
gp-256	51	8	to	to	ADP
gp-256	51	9	the	the	DET
gp-256	51	10	collaboration	collaboration	NOUN
gp-256	51	11	between	between	ADP
gp-256	51	12	bank	bank	PROPN
gp-256	51	13	xyz	xyz	PROPN
gp-256	51	14	and	and	CCONJ
gp-256	51	15	the	the	DET
gp-256	51	16	p2p	p2p	NOUN
gp-256	51	17	lending	lending	NOUN
gp-256	51	18	platform	platform	NOUN
gp-256	51	19	in	in	ADP
gp-256	51	20	optimizing	optimize	VERB
gp-256	51	21	multipurpose	multipurpose	NOUN
gp-256	51	22	credit	credit	NOUN
gp-256	51	23	through	through	ADP
gp-256	51	24	the	the	DET
gp-256	51	25	channelling	channelling	NOUN
gp-256	51	26	model	model	NOUN
gp-256	51	27	,	,	PUNCT
gp-256	51	28	such	such	ADJ
gp-256	51	29	as	as	SCONJ
gp-256	51	30	the	the	DET
gp-256	51	31	collaboration	collaboration	NOUN
gp-256	51	32	strategies	strategy	NOUN
gp-256	51	33	applied	apply	VERB
gp-256	51	34	,	,	PUNCT
gp-256	51	35	internal	internal	ADJ
gp-256	51	36	and	and	CCONJ
gp-256	51	37	external	external	ADJ
gp-256	51	38	factors	factor	NOUN
gp-256	51	39	affecting	affect	VERB
gp-256	51	40	the	the	DET
gp-256	51	41	effectiveness	effectiveness	NOUN
gp-256	51	42	of	of	ADP
gp-256	51	43	the	the	DET
gp-256	51	44	channelling	channelling	NOUN
gp-256	51	45	business	business	NOUN
gp-256	51	46	model	model	NOUN
gp-256	51	47	,	,	PUNCT
gp-256	51	48	the	the	DET
gp-256	51	49	impact	impact	NOUN
gp-256	51	50	of	of	ADP
gp-256	51	51	information	information	NOUN
gp-256	51	52	technology	technology	NOUN
gp-256	51	53	integration	integration	NOUN
gp-256	51	54	in	in	ADP
gp-256	51	55	the	the	DET
gp-256	51	56	channelling	channelling	NOUN
gp-256	51	57	model	model	NOUN
gp-256	51	58	,	,	PUNCT
gp-256	51	59	and	and	CCONJ
gp-256	51	60	the	the	DET
gp-256	51	61	challenges	challenge	NOUN
gp-256	51	62	and	and	CCONJ
gp-256	51	63	risks	risk	NOUN
gp-256	51	64	faced	face	VERB
gp-256	51	65	in	in	ADP
gp-256	51	66	the	the	DET
gp-256	51	67	implementation	implementation	NOUN
gp-256	51	68	of	of	ADP
gp-256	51	69	this	this	DET
gp-256	51	70	cooperation	cooperation	NOUN
gp-256	51	71	.	.	PUNCT
gp-256	52	1	the	the	DET
gp-256	52	2	purpose	purpose	NOUN
gp-256	52	3	of	of	ADP
gp-256	52	4	this	this	DET
gp-256	52	5	study	study	NOUN
gp-256	52	6	is	be	AUX
gp-256	52	7	to	to	PART
gp-256	52	8	analyze	analyze	VERB
gp-256	52	9	the	the	DET
gp-256	52	10	collaboration	collaboration	NOUN
gp-256	52	11	strategy	strategy	NOUN
gp-256	52	12	of	of	ADP
gp-256	52	13	bank	bank	PROPN
gp-256	52	14	xyz	xyz	PROPN
gp-256	52	15	and	and	CCONJ
gp-256	52	16	p2p	p2p	NOUN
gp-256	52	17	lending	lending	NOUN
gp-256	52	18	,	,	PUNCT
gp-256	52	19	identify	identify	VERB
gp-256	52	20	the	the	DET
gp-256	52	21	success	success	NOUN
gp-256	52	22	factors	factor	NOUN
gp-256	52	23	and	and	CCONJ
gp-256	52	24	obstacles	obstacle	NOUN
gp-256	52	25	in	in	ADP
gp-256	52	26	the	the	DET
gp-256	52	27	channelling	channelling	NOUN
gp-256	52	28	business	business	NOUN
gp-256	52	29	model	model	NOUN
gp-256	52	30	,	,	PUNCT
gp-256	52	31	evaluate	evaluate	VERB
gp-256	52	32	the	the	DET
gp-256	52	33	contribution	contribution	NOUN
gp-256	52	34	of	of	ADP
gp-256	52	35	information	information	NOUN
gp-256	52	36	technology	technology	NOUN
gp-256	52	37	in	in	ADP
gp-256	52	38	supporting	support	VERB
gp-256	52	39	the	the	DET
gp-256	52	40	effectiveness	effectiveness	NOUN
gp-256	52	41	of	of	ADP
gp-256	52	42	these	these	DET
gp-256	52	43	strategies	strategy	NOUN
gp-256	52	44	,	,	PUNCT
gp-256	52	45	and	and	CCONJ
gp-256	52	46	formulate	formulate	ADJ
gp-256	52	47	policy	policy	NOUN
gp-256	52	48	recommendations	recommendation	NOUN
gp-256	52	49	and	and	CCONJ
gp-256	52	50	strategic	strategic	ADJ
gp-256	52	51	innovations	innovation	NOUN
gp-256	52	52	to	to	PART
gp-256	52	53	improve	improve	VERB
gp-256	52	54	the	the	DET
gp-256	52	55	effectiveness	effectiveness	NOUN
gp-256	52	56	,	,	PUNCT
gp-256	52	57	efficiency	efficiency	NOUN
gp-256	52	58	,	,	PUNCT
gp-256	52	59	and	and	CCONJ
gp-256	52	60	sustainability	sustainability	NOUN
gp-256	52	61	of	of	ADP
gp-256	52	62	this	this	DET
gp-256	52	63	collaboration	collaboration	NOUN
gp-256	52	64	.	.	PUNCT
gp-256	53	1	the	the	DET
gp-256	53	2	practical	practical	ADJ
gp-256	53	3	benefit	benefit	NOUN
gp-256	53	4	of	of	ADP
gp-256	53	5	this	this	DET
gp-256	53	6	research	research	NOUN
gp-256	53	7	is	be	AUX
gp-256	53	8	to	to	PART
gp-256	53	9	provide	provide	VERB
gp-256	53	10	an	an	DET
gp-256	53	11	optimal	optimal	ADJ
gp-256	53	12	strategy	strategy	NOUN
gp-256	53	13	for	for	ADP
gp-256	53	14	bank	bank	PROPN
gp-256	53	15	xyz	xyz	PROPN
gp-256	53	16	in	in	ADP
gp-256	53	17	managing	manage	VERB
gp-256	53	18	multipurpose	multipurpose	NOUN
gp-256	53	19	credit	credit	NOUN
gp-256	53	20	through	through	ADP
gp-256	53	21	p2p	p2p	NOUN
gp-256	53	22	lending	lending	NOUN
gp-256	53	23	and	and	CCONJ
gp-256	53	24	identify	identify	VERB
gp-256	53	25	the	the	DET
gp-256	53	26	factors	factor	NOUN
gp-256	53	27	influencing	influence	VERB
gp-256	53	28	the	the	DET
gp-256	53	29	success	success	NOUN
gp-256	53	30	of	of	ADP
gp-256	53	31	the	the	DET
gp-256	53	32	business	business	NOUN
gp-256	53	33	model	model	NOUN
gp-256	53	34	,	,	PUNCT
gp-256	53	35	while	while	SCONJ
gp-256	53	36	academically	academically	ADV
gp-256	53	37	,	,	PUNCT
gp-256	53	38	this	this	DET
gp-256	53	39	research	research	NOUN
gp-256	53	40	develops	develop	VERB
gp-256	53	41	an	an	DET
gp-256	53	42	understanding	understanding	NOUN
gp-256	53	43	of	of	ADP
gp-256	53	44	the	the	DET
gp-256	53	45	channelling	channelling	NOUN
gp-256	53	46	model	model	NOUN
gp-256	53	47	in	in	ADP
gp-256	53	48	digital	digital	ADJ
gp-256	53	49	banking	banking	NOUN
gp-256	53	50	and	and	CCONJ
gp-256	53	51	becomes	become	VERB
gp-256	53	52	a	a	DET
gp-256	53	53	reference	reference	NOUN
gp-256	53	54	in	in	ADP
gp-256	53	55	the	the	DET
gp-256	53	56	field	field	NOUN
gp-256	53	57	of	of	ADP
gp-256	53	58	digital	digital	ADJ
gp-256	53	59	finance	finance	NOUN
gp-256	53	60	and	and	CCONJ
gp-256	53	61	modern	modern	ADJ
gp-256	53	62	banking	banking	NOUN
gp-256	53	63	strategies	strategy	NOUN
gp-256	53	64	.	.	PUNCT
gp-256	54	1	method	method	VERB
gp-256	54	2	this	this	DET
gp-256	54	3	study	study	NOUN
gp-256	54	4	employed	employ	VERB
gp-256	54	5	a	a	DET
gp-256	54	6	descriptive	descriptive	ADJ
gp-256	54	7	qualitative	qualitative	ADJ
gp-256	54	8	approach	approach	NOUN
gp-256	54	9	to	to	PART
gp-256	54	10	explore	explore	VERB
gp-256	54	11	in	in	ADP
gp-256	54	12	depth	depth	NOUN
gp-256	54	13	the	the	DET
gp-256	54	14	collaboration	collaboration	NOUN
gp-256	54	15	strategy	strategy	NOUN
gp-256	54	16	between	between	ADP
gp-256	54	17	bank	bank	PROPN
gp-256	54	18	xyz	xyz	PROPN
gp-256	54	19	and	and	CCONJ
gp-256	54	20	p2p	p2p	NOUN
gp-256	54	21	lending	lend	VERB
gp-256	54	22	in	in	ADP
gp-256	54	23	optimizing	optimize	VERB
gp-256	54	24	multipurpose	multipurpose	NOUN
gp-256	54	25	credit	credit	NOUN
gp-256	54	26	through	through	ADP
gp-256	54	27	channelling	channel	VERB
gp-256	54	28	schemes	scheme	NOUN
gp-256	54	29	.	.	PUNCT
gp-256	55	1	the	the	DET
gp-256	55	2	main	main	ADJ
gp-256	55	3	focus	focus	NOUN
gp-256	55	4	was	be	AUX
gp-256	55	5	to	to	PART
gp-256	55	6	understand	understand	VERB
gp-256	55	7	how	how	SCONJ
gp-256	55	8	the	the	DET
gp-256	55	9	channelling	channelling	NOUN
gp-256	55	10	business	business	NOUN
gp-256	55	11	model	model	NOUN
gp-256	55	12	was	be	AUX
gp-256	55	13	applied	apply	VERB
gp-256	55	14	in	in	ADP
gp-256	55	15	cooperation	cooperation	NOUN
gp-256	55	16	between	between	ADP
gp-256	55	17	banks	bank	NOUN
gp-256	55	18	and	and	CCONJ
gp-256	55	19	fintechs	fintech	NOUN
gp-256	55	20	,	,	PUNCT
gp-256	55	21	as	as	ADV
gp-256	55	22	well	well	ADV
gp-256	55	23	as	as	ADP
gp-256	55	24	the	the	DET
gp-256	55	25	challenges	challenge	NOUN
gp-256	55	26	and	and	CCONJ
gp-256	55	27	opportunities	opportunity	NOUN
gp-256	55	28	that	that	PRON
gp-256	55	29	arose	arise	VERB
gp-256	55	30	during	during	ADP
gp-256	55	31	implementation	implementation	NOUN
gp-256	55	32	.	.	PUNCT
gp-256	56	1	the	the	DET
gp-256	56	2	research	research	NOUN
gp-256	56	3	subjects	subject	NOUN
gp-256	56	4	included	include	VERB
gp-256	56	5	bank	bank	PROPN
gp-256	56	6	xyz	xyz	PROPN
gp-256	56	7	and	and	CCONJ
gp-256	56	8	american	american	PROPN
gp-256	56	9	journal	journal	PROPN
gp-256	56	10	of	of	ADP
gp-256	56	11	economic	economic	ADJ
gp-256	56	12	and	and	CCONJ
gp-256	56	13	management	management	NOUN
gp-256	56	14	business	business	NOUN
gp-256	56	15	vol	vol	NOUN
gp-256	56	16	.	.	PROPN
gp-256	57	1	4	4	NUM
gp-256	57	2	no	no	NOUN
gp-256	57	3	.	.	NOUN
gp-256	57	4	8	8	NUM
gp-256	57	5	agustus	agustus	NOUN
gp-256	57	6	2025	2025	NUM
gp-256	57	7	1303	1303	NUM
gp-256	57	8	representatives	representative	NOUN
gp-256	57	9	from	from	ADP
gp-256	57	10	fintech	fintech	NOUN
gp-256	57	11	p2p	p2p	NOUN
gp-256	57	12	lending	lending	NOUN
gp-256	57	13	who	who	PRON
gp-256	57	14	had	have	AUX
gp-256	57	15	collaborated	collaborate	VERB
gp-256	57	16	with	with	ADP
gp-256	57	17	the	the	DET
gp-256	57	18	bank	bank	NOUN
gp-256	57	19	.	.	PUNCT
gp-256	58	1	the	the	DET
gp-256	58	2	objectives	objective	NOUN
gp-256	58	3	were	be	AUX
gp-256	58	4	to	to	PART
gp-256	58	5	examine	examine	VERB
gp-256	58	6	the	the	DET
gp-256	58	7	channelling	channelling	NOUN
gp-256	58	8	business	business	NOUN
gp-256	58	9	model	model	NOUN
gp-256	58	10	in	in	ADP
gp-256	58	11	multipurpose	multipurpose	NOUN
gp-256	58	12	credit	credit	NOUN
gp-256	58	13	,	,	PUNCT
gp-256	58	14	factors	factor	NOUN
gp-256	58	15	influencing	influence	VERB
gp-256	58	16	collaboration	collaboration	NOUN
gp-256	58	17	effectiveness	effectiveness	NOUN
gp-256	58	18	,	,	PUNCT
gp-256	58	19	and	and	CCONJ
gp-256	58	20	the	the	DET
gp-256	58	21	challenges	challenge	NOUN
gp-256	58	22	and	and	CCONJ
gp-256	58	23	opportunities	opportunity	NOUN
gp-256	58	24	encountered	encounter	VERB
gp-256	58	25	in	in	ADP
gp-256	58	26	implementing	implement	VERB
gp-256	58	27	channelling	channel	VERB
gp-256	58	28	schemes	scheme	NOUN
gp-256	58	29	.	.	PUNCT
gp-256	59	1	the	the	DET
gp-256	59	2	study	study	NOUN
gp-256	59	3	identified	identify	VERB
gp-256	59	4	both	both	CCONJ
gp-256	59	5	technical	technical	ADJ
gp-256	59	6	and	and	CCONJ
gp-256	59	7	non	non	ADJ
gp-256	59	8	-	-	ADJ
gp-256	59	9	technical	technical	ADJ
gp-256	59	10	challenges	challenge	NOUN
gp-256	59	11	in	in	ADP
gp-256	59	12	integrating	integrate	VERB
gp-256	59	13	multipurpose	multipurpose	NOUN
gp-256	59	14	credit	credit	NOUN
gp-256	59	15	services	service	NOUN
gp-256	59	16	with	with	ADP
gp-256	59	17	fintech	fintech	NOUN
gp-256	59	18	,	,	PUNCT
gp-256	59	19	considered	consider	VERB
gp-256	59	20	the	the	DET
gp-256	59	21	impact	impact	NOUN
gp-256	59	22	of	of	ADP
gp-256	59	23	industry	industry	NOUN
gp-256	59	24	regulations	regulation	NOUN
gp-256	59	25	,	,	PUNCT
gp-256	59	26	and	and	CCONJ
gp-256	59	27	analyzed	analyze	VERB
gp-256	59	28	risk	risk	NOUN
gp-256	59	29	management	management	NOUN
gp-256	59	30	and	and	CCONJ
gp-256	59	31	mitigation	mitigation	NOUN
gp-256	59	32	strategies	strategy	NOUN
gp-256	59	33	.	.	PUNCT
gp-256	60	1	data	datum	NOUN
gp-256	60	2	were	be	AUX
gp-256	60	3	collected	collect	VERB
gp-256	60	4	through	through	ADP
gp-256	60	5	in	in	ADP
gp-256	60	6	-	-	PUNCT
gp-256	60	7	depth	depth	NOUN
gp-256	60	8	interviews	interview	NOUN
gp-256	60	9	,	,	PUNCT
gp-256	60	10	documentation	documentation	NOUN
gp-256	60	11	,	,	PUNCT
gp-256	60	12	and	and	CCONJ
gp-256	60	13	participatory	participatory	ADJ
gp-256	60	14	observation	observation	NOUN
gp-256	60	15	with	with	ADP
gp-256	60	16	resource	resource	NOUN
gp-256	60	17	persons	person	NOUN
gp-256	60	18	directly	directly	ADV
gp-256	60	19	involved	involve	VERB
gp-256	60	20	in	in	ADP
gp-256	60	21	the	the	DET
gp-256	60	22	strategy	strategy	NOUN
gp-256	60	23	’s	’s	PART
gp-256	60	24	implementation	implementation	NOUN
gp-256	60	25	,	,	PUNCT
gp-256	60	26	allowing	allow	VERB
gp-256	60	27	triangulation	triangulation	NOUN
gp-256	60	28	to	to	PART
gp-256	60	29	enhance	enhance	VERB
gp-256	60	30	validity	validity	NOUN
gp-256	60	31	and	and	CCONJ
gp-256	60	32	credibility	credibility	NOUN
gp-256	60	33	.	.	PUNCT
gp-256	61	1	interviews	interview	NOUN
gp-256	61	2	involved	involve	VERB
gp-256	61	3	various	various	ADJ
gp-256	61	4	parties	party	NOUN
gp-256	61	5	,	,	PUNCT
gp-256	61	6	including	include	VERB
gp-256	61	7	bank	bank	NOUN
gp-256	61	8	xyz	xyz	PROPN
gp-256	61	9	,	,	PUNCT
gp-256	61	10	p2p	p2p	NOUN
gp-256	61	11	lending	lending	NOUN
gp-256	61	12	,	,	PUNCT
gp-256	61	13	ojk	ojk	NOUN
gp-256	61	14	,	,	PUNCT
gp-256	61	15	and	and	CCONJ
gp-256	61	16	borrowers	borrower	NOUN
gp-256	61	17	,	,	PUNCT
gp-256	61	18	providing	provide	VERB
gp-256	61	19	insights	insight	NOUN
gp-256	61	20	into	into	ADP
gp-256	61	21	the	the	DET
gp-256	61	22	collaboration	collaboration	NOUN
gp-256	61	23	’s	’s	PART
gp-256	61	24	effectiveness	effectiveness	NOUN
gp-256	61	25	and	and	CCONJ
gp-256	61	26	challenges	challenge	NOUN
gp-256	61	27	.	.	PUNCT
gp-256	62	1	the	the	DET
gp-256	62	2	findings	finding	NOUN
gp-256	62	3	are	be	AUX
gp-256	62	4	expected	expect	VERB
gp-256	62	5	to	to	PART
gp-256	62	6	offer	offer	VERB
gp-256	62	7	a	a	DET
gp-256	62	8	comprehensive	comprehensive	ADJ
gp-256	62	9	overview	overview	NOUN
gp-256	62	10	of	of	ADP
gp-256	62	11	the	the	DET
gp-256	62	12	collaboration	collaboration	NOUN
gp-256	62	13	strategy	strategy	NOUN
gp-256	62	14	between	between	ADP
gp-256	62	15	bank	bank	PROPN
gp-256	62	16	xyz	xyz	PROPN
gp-256	62	17	and	and	CCONJ
gp-256	62	18	p2p	p2p	NOUN
gp-256	62	19	lending	lending	NOUN
gp-256	62	20	and	and	CCONJ
gp-256	62	21	to	to	PART
gp-256	62	22	provide	provide	VERB
gp-256	62	23	recommendations	recommendation	NOUN
gp-256	62	24	for	for	ADP
gp-256	62	25	optimizing	optimize	VERB
gp-256	62	26	multipurpose	multipurpose	NOUN
gp-256	62	27	loans	loan	NOUN
gp-256	62	28	in	in	ADP
gp-256	62	29	indonesia	indonesia	PROPN
gp-256	62	30	.	.	PUNCT
gp-256	63	1	results	result	NOUN
gp-256	63	2	and	and	CCONJ
gp-256	63	3	discussion	discussion	NOUN
gp-256	63	4	data	datum	NOUN
gp-256	63	5	analysis	analysis	NOUN
gp-256	63	6	process	process	NOUN
gp-256	63	7	:	:	PUNCT
gp-256	63	8	reduction	reduction	NOUN
gp-256	63	9	,	,	PUNCT
gp-256	63	10	presentation	presentation	NOUN
gp-256	63	11	,	,	PUNCT
gp-256	63	12	and	and	CCONJ
gp-256	63	13	drawing	draw	VERB
gp-256	63	14	conclusions	conclusion	NOUN
gp-256	63	15	the	the	DET
gp-256	63	16	data	datum	NOUN
gp-256	63	17	analyzed	analyze	VERB
gp-256	63	18	was	be	AUX
gp-256	63	19	sourced	source	VERB
gp-256	63	20	from	from	ADP
gp-256	63	21	15	15	NUM
gp-256	63	22	speakers	speaker	NOUN
gp-256	63	23	representing	represent	VERB
gp-256	63	24	five	five	NUM
gp-256	63	25	groups	group	NOUN
gp-256	63	26	of	of	ADP
gp-256	63	27	strategic	strategic	ADJ
gp-256	63	28	speakers	speaker	NOUN
gp-256	63	29	.	.	PUNCT
gp-256	64	1	the	the	DET
gp-256	64	2	reduction	reduction	NOUN
gp-256	64	3	process	process	NOUN
gp-256	64	4	is	be	AUX
gp-256	64	5	carried	carry	VERB
gp-256	64	6	out	out	ADP
gp-256	64	7	with	with	ADP
gp-256	64	8	the	the	DET
gp-256	64	9	help	help	NOUN
gp-256	64	10	of	of	ADP
gp-256	64	11	computer	computer	NOUN
gp-256	64	12	assisted	assist	VERB
gp-256	64	13	qualitative	qualitative	ADJ
gp-256	64	14	data	datum	NOUN
gp-256	64	15	analysis	analysis	NOUN
gp-256	64	16	software	software	NOUN
gp-256	64	17	(	(	PUNCT
gp-256	64	18	caqdas	caqdas	PROPN
gp-256	64	19	)	)	PUNCT
gp-256	64	20	,	,	PUNCT
gp-256	64	21	namely	namely	ADV
gp-256	64	22	nvivo	nvivo	ADJ
gp-256	64	23	,	,	PUNCT
gp-256	64	24	which	which	PRON
gp-256	64	25	makes	make	VERB
gp-256	64	26	it	it	PRON
gp-256	64	27	possible	possible	ADJ
gp-256	64	28	to	to	PART
gp-256	64	29	organize	organize	VERB
gp-256	64	30	,	,	PUNCT
gp-256	64	31	code	code	NOUN
gp-256	64	32	,	,	PUNCT
gp-256	64	33	and	and	CCONJ
gp-256	64	34	trace	trace	NOUN
gp-256	64	35	dominant	dominant	ADJ
gp-256	64	36	themes	theme	NOUN
gp-256	64	37	based	base	VERB
gp-256	64	38	on	on	ADP
gp-256	64	39	word	word	NOUN
gp-256	64	40	frequency	frequency	NOUN
gp-256	64	41	,	,	PUNCT
gp-256	64	42	node	node	NOUN
gp-256	64	43	coding	coding	NOUN
gp-256	64	44	,	,	PUNCT
gp-256	64	45	and	and	CCONJ
gp-256	64	46	resource	resource	NOUN
gp-256	64	47	comparison	comparison	NOUN
gp-256	64	48	matrix	matrix	NOUN
gp-256	64	49	.	.	PUNCT
gp-256	65	1	data	datum	NOUN
gp-256	65	2	reduction	reduction	NOUN
gp-256	65	3	based	base	VERB
gp-256	65	4	on	on	ADP
gp-256	65	5	the	the	DET
gp-256	65	6	coding	code	VERB
gp-256	65	7	process	process	NOUN
gp-256	65	8	of	of	ADP
gp-256	65	9	398	398	NUM
gp-256	65	10	quotes	quote	NOUN
gp-256	65	11	from	from	ADP
gp-256	65	12	15	15	NUM
gp-256	65	13	sources	source	NOUN
gp-256	65	14	,	,	PUNCT
gp-256	65	15	all	all	DET
gp-256	65	16	data	datum	NOUN
gp-256	65	17	were	be	AUX
gp-256	65	18	classified	classify	VERB
gp-256	65	19	into	into	ADP
gp-256	65	20	five	five	NUM
gp-256	65	21	main	main	ADJ
gp-256	65	22	themes	theme	NOUN
gp-256	65	23	that	that	PRON
gp-256	65	24	were	be	AUX
gp-256	65	25	aligned	align	VERB
gp-256	65	26	with	with	ADP
gp-256	65	27	the	the	DET
gp-256	65	28	focus	focus	NOUN
gp-256	65	29	of	of	ADP
gp-256	65	30	problem	problem	NOUN
gp-256	65	31	formulation	formulation	NOUN
gp-256	65	32	.	.	PUNCT
gp-256	66	1	the	the	DET
gp-256	66	2	classification	classification	NOUN
gp-256	66	3	process	process	NOUN
gp-256	66	4	is	be	AUX
gp-256	66	5	carried	carry	VERB
gp-256	66	6	out	out	ADP
gp-256	66	7	by	by	ADP
gp-256	66	8	considering	consider	VERB
gp-256	66	9	the	the	DET
gp-256	66	10	emergence	emergence	NOUN
gp-256	66	11	of	of	ADP
gp-256	66	12	dominant	dominant	ADJ
gp-256	66	13	keywords	keyword	NOUN
gp-256	66	14	,	,	PUNCT
gp-256	66	15	similarity	similarity	NOUN
gp-256	66	16	in	in	ADP
gp-256	66	17	meaning	meaning	NOUN
gp-256	66	18	,	,	PUNCT
gp-256	66	19	and	and	CCONJ
gp-256	66	20	relevance	relevance	NOUN
gp-256	66	21	to	to	ADP
gp-256	66	22	the	the	DET
gp-256	66	23	research	research	NOUN
gp-256	66	24	objectives	objective	NOUN
gp-256	66	25	.	.	PUNCT
gp-256	67	1	the	the	DET
gp-256	67	2	following	follow	VERB
gp-256	67	3	table	table	NOUN
gp-256	67	4	summarizes	summarize	VERB
gp-256	67	5	the	the	DET
gp-256	67	6	distribution	distribution	NOUN
gp-256	67	7	of	of	ADP
gp-256	67	8	citations	citation	NOUN
gp-256	67	9	per	per	ADP
gp-256	67	10	main	main	ADJ
gp-256	67	11	theme	theme	NOUN
gp-256	67	12	along	along	ADP
gp-256	67	13	with	with	ADP
gp-256	67	14	the	the	DET
gp-256	67	15	percentage	percentage	NOUN
gp-256	67	16	and	and	CCONJ
gp-256	67	17	dominant	dominant	ADJ
gp-256	67	18	keywords	keyword	NOUN
gp-256	67	19	for	for	ADP
gp-256	67	20	each	each	DET
gp-256	67	21	theme	theme	NOUN
gp-256	67	22	:	:	PUNCT
gp-256	67	23	table	table	NOUN
gp-256	67	24	1	1	NUM
gp-256	67	25	.	.	PUNCT
gp-256	68	1	distribution	distribution	NOUN
gp-256	68	2	of	of	ADP
gp-256	68	3	citations	citation	NOUN
gp-256	68	4	by	by	ADP
gp-256	68	5	main	main	ADJ
gp-256	68	6	theme	theme	NOUN
gp-256	68	7	main	main	ADJ
gp-256	68	8	theme	theme	NOUN
gp-256	68	9	number	number	NOUN
gp-256	68	10	of	of	ADP
gp-256	68	11	quotes	quote	NOUN
gp-256	68	12	percentage	percentage	NOUN
gp-256	68	13	dominant	dominant	ADJ
gp-256	68	14	keywords	keyword	NOUN
gp-256	68	15	risks	risk	NOUN
gp-256	68	16	and	and	CCONJ
gp-256	68	17	mitigations	mitigation	NOUN
gp-256	68	18	240	240	NUM
gp-256	68	19	60.30	60.30	NUM
gp-256	68	20	%	%	NOUN
gp-256	68	21	risk	risk	NOUN
gp-256	68	22	,	,	PUNCT
gp-256	68	23	fraud	fraud	NOUN
gp-256	68	24	,	,	PUNCT
gp-256	68	25	mitigation	mitigation	NOUN
gp-256	68	26	,	,	PUNCT
gp-256	68	27	validation	validation	NOUN
gp-256	68	28	,	,	PUNCT
gp-256	68	29	control	control	NOUN
gp-256	68	30	information	information	NOUN
gp-256	68	31	technology	technology	NOUN
gp-256	68	32	integration	integration	NOUN
gp-256	68	33	79	79	NUM
gp-256	68	34	19.85	19.85	NUM
gp-256	68	35	%	%	NOUN
gp-256	68	36	api	api	NOUN
gp-256	68	37	,	,	PUNCT
gp-256	68	38	backend	backend	NOUN
gp-256	68	39	,	,	PUNCT
gp-256	68	40	system	system	NOUN
gp-256	68	41	,	,	PUNCT
gp-256	68	42	scoring	scoring	NOUN
gp-256	68	43	,	,	PUNCT
gp-256	68	44	integration	integration	NOUN
gp-256	68	45	collaboration	collaboration	NOUN
gp-256	68	46	strategy	strategy	NOUN
gp-256	68	47	37	37	NUM
gp-256	68	48	9.30	9.30	NUM
gp-256	68	49	%	%	NOUN
gp-256	68	50	cooperation	cooperation	NOUN
gp-256	68	51	,	,	PUNCT
gp-256	68	52	channelling	channelling	NOUN
gp-256	68	53	,	,	PUNCT
gp-256	68	54	acquisition	acquisition	NOUN
gp-256	68	55	,	,	PUNCT
gp-256	68	56	fee	fee	NOUN
gp-256	68	57	sharing	sharing	NOUN
gp-256	68	58	internal	internal	ADJ
gp-256	68	59	and	and	CCONJ
gp-256	68	60	external	external	ADJ
gp-256	68	61	factors	factor	NOUN
gp-256	68	62	29	29	NUM
gp-256	68	63	7.29	7.29	NUM
gp-256	68	64	%	%	NOUN
gp-256	68	65	regulations	regulation	NOUN
gp-256	68	66	,	,	PUNCT
gp-256	68	67	human	human	ADJ
gp-256	68	68	resources	resource	NOUN
gp-256	68	69	,	,	PUNCT
gp-256	68	70	sops	sop	NOUN
gp-256	68	71	,	,	PUNCT
gp-256	68	72	organizational	organizational	ADJ
gp-256	68	73	structure	structure	NOUN
gp-256	68	74	effectiveness	effectiveness	NOUN
gp-256	68	75	of	of	ADP
gp-256	68	76	the	the	DET
gp-256	68	77	channelling	channelling	NOUN
gp-256	68	78	model	model	NOUN
gp-256	68	79	13	13	NUM
gp-256	68	80	3.27	3.27	NUM
gp-256	68	81	%	%	NOUN
gp-256	68	82	sla	sla	PROPN
gp-256	68	83	,	,	PUNCT
gp-256	68	84	approval	approval	NOUN
gp-256	68	85	,	,	PUNCT
gp-256	68	86	efisiensi	efisiensi	NOUN
gp-256	68	87	,	,	PUNCT
gp-256	68	88	seamless	seamless	ADJ
gp-256	68	89	process	process	NOUN
gp-256	68	90	the	the	DET
gp-256	68	91	theme	theme	NOUN
gp-256	68	92	of	of	ADP
gp-256	68	93	risk	risk	NOUN
gp-256	68	94	and	and	CCONJ
gp-256	68	95	mitigation	mitigation	NOUN
gp-256	68	96	(	(	PUNCT
gp-256	68	97	240	240	NUM
gp-256	68	98	citations	citation	NOUN
gp-256	68	99	–	–	PUNCT
gp-256	68	100	60.30	60.30	NUM
gp-256	68	101	%	%	NOUN
gp-256	68	102	)	)	PUNCT
gp-256	68	103	was	be	AUX
gp-256	68	104	the	the	DET
gp-256	68	105	strongest	strong	ADJ
gp-256	68	106	dominance	dominance	NOUN
gp-256	68	107	,	,	PUNCT
gp-256	68	108	reflecting	reflect	VERB
gp-256	68	109	concerns	concern	NOUN
gp-256	68	110	about	about	ADP
gp-256	68	111	fraud	fraud	NOUN
gp-256	68	112	risk	risk	NOUN
gp-256	68	113	,	,	PUNCT
gp-256	68	114	p2p	p2p	NOUN
gp-256	68	115	borrower	borrower	NOUN
gp-256	68	116	validation	validation	NOUN
gp-256	68	117	,	,	PUNCT
gp-256	68	118	and	and	CCONJ
gp-256	68	119	credit	credit	NOUN
gp-256	68	120	process	process	NOUN
gp-256	68	121	control	control	NOUN
gp-256	68	122	.	.	PUNCT
gp-256	69	1	the	the	DET
gp-256	69	2	theme	theme	NOUN
gp-256	69	3	of	of	ADP
gp-256	69	4	information	information	NOUN
gp-256	69	5	technology	technology	NOUN
gp-256	69	6	integration	integration	NOUN
gp-256	69	7	(	(	PUNCT
gp-256	69	8	79	79	NUM
gp-256	69	9	citations	citation	NOUN
gp-256	69	10	–	–	PUNCT
gp-256	69	11	19.85	19.85	NUM
gp-256	69	12	%	%	NOUN
gp-256	69	13	)	)	PUNCT
gp-256	69	14	highlights	highlight	VERB
gp-256	69	15	the	the	DET
gp-256	69	16	importance	importance	NOUN
gp-256	69	17	of	of	ADP
gp-256	69	18	automatic	automatic	ADJ
gp-256	69	19	scoring	scoring	NOUN
gp-256	69	20	,	,	PUNCT
gp-256	69	21	apis	apis	ADJ
gp-256	69	22	,	,	PUNCT
gp-256	69	23	and	and	CCONJ
gp-256	69	24	backend	backend	NOUN
gp-256	69	25	integration	integration	NOUN
gp-256	69	26	.	.	PUNCT
gp-256	70	1	the	the	DET
gp-256	70	2	collaboration	collaboration	NOUN
gp-256	70	3	strategy	strategy	NOUN
gp-256	70	4	(	(	PUNCT
gp-256	70	5	37	37	NUM
gp-256	70	6	citations	citation	NOUN
gp-256	70	7	–	–	PUNCT
gp-256	70	8	9.30	9.30	NUM
gp-256	70	9	%	%	NOUN
gp-256	70	10	)	)	PUNCT
gp-256	70	11	discusses	discuss	VERB
gp-256	70	12	role	role	NOUN
gp-256	70	13	sharing	sharing	NOUN
gp-256	70	14	,	,	PUNCT
gp-256	70	15	slas	slas	PROPN
gp-256	70	16	,	,	PUNCT
gp-256	70	17	and	and	CCONJ
gp-256	70	18	cooperation	cooperation	NOUN
gp-256	70	19	mechanisms	mechanism	NOUN
gp-256	70	20	.	.	PUNCT
gp-256	71	1	internal	internal	ADJ
gp-256	71	2	and	and	CCONJ
gp-256	71	3	external	external	ADJ
gp-256	71	4	factors	factor	NOUN
gp-256	71	5	(	(	PUNCT
gp-256	71	6	29	29	NUM
gp-256	71	7	citations	citation	NOUN
gp-256	71	8	–	–	PUNCT
gp-256	71	9	7.29	7.29	NUM
gp-256	71	10	%	%	NOUN
gp-256	71	11	)	)	PUNCT
gp-256	71	12	touched	touch	VERB
gp-256	71	13	on	on	ADP
gp-256	71	14	the	the	DET
gp-256	71	15	issue	issue	NOUN
gp-256	71	16	of	of	ADP
gp-256	71	17	human	human	ADJ
gp-256	71	18	resource	resource	NOUN
gp-256	71	19	readiness	readiness	NOUN
gp-256	71	20	and	and	CCONJ
gp-256	71	21	regulatory	regulatory	ADJ
gp-256	71	22	challenges	challenge	NOUN
gp-256	71	23	.	.	PUNCT
gp-256	72	1	finally	finally	ADV
gp-256	72	2	,	,	PUNCT
gp-256	72	3	the	the	DET
gp-256	72	4	effectiveness	effectiveness	NOUN
gp-256	72	5	of	of	ADP
gp-256	72	6	the	the	DET
gp-256	72	7	channelling	channelling	NOUN
gp-256	72	8	model	model	NOUN
gp-256	72	9	(	(	PUNCT
gp-256	72	10	13	13	NUM
gp-256	72	11	american	american	PROPN
gp-256	72	12	journal	journal	PROPN
gp-256	72	13	of	of	ADP
gp-256	72	14	economic	economic	ADJ
gp-256	72	15	and	and	CCONJ
gp-256	72	16	management	management	NOUN
gp-256	72	17	business	business	NOUN
gp-256	72	18	vol	vol	NOUN
gp-256	72	19	.	.	PROPN
gp-256	73	1	4	4	NUM
gp-256	73	2	no	no	NOUN
gp-256	73	3	.	.	NOUN
gp-256	73	4	8	8	NUM
gp-256	73	5	agustus	agustus	NOUN
gp-256	73	6	2025	2025	NUM
gp-256	73	7	1304	1304	NUM
gp-256	73	8	citations	citation	NOUN
gp-256	73	9	–	–	PUNCT
gp-256	73	10	3.27	3.27	NUM
gp-256	73	11	%	%	NOUN
gp-256	73	12	)	)	PUNCT
gp-256	73	13	shows	show	VERB
gp-256	73	14	the	the	DET
gp-256	73	15	perception	perception	NOUN
gp-256	73	16	of	of	ADP
gp-256	73	17	approval	approval	NOUN
gp-256	73	18	efficiency	efficiency	NOUN
gp-256	73	19	and	and	CCONJ
gp-256	73	20	the	the	DET
gp-256	73	21	acceleration	acceleration	NOUN
gp-256	73	22	of	of	ADP
gp-256	73	23	the	the	DET
gp-256	73	24	credit	credit	NOUN
gp-256	73	25	process	process	NOUN
gp-256	73	26	.	.	PUNCT
gp-256	74	1	data	datum	NOUN
gp-256	74	2	presentation	presentation	NOUN
gp-256	74	3	as	as	ADP
gp-256	74	4	part	part	NOUN
gp-256	74	5	of	of	ADP
gp-256	74	6	the	the	DET
gp-256	74	7	presentation	presentation	NOUN
gp-256	74	8	of	of	ADP
gp-256	74	9	qualitative	qualitative	ADJ
gp-256	74	10	data	datum	NOUN
gp-256	74	11	in	in	ADP
gp-256	74	12	this	this	DET
gp-256	74	13	study	study	NOUN
gp-256	74	14	,	,	PUNCT
gp-256	74	15	a	a	DET
gp-256	74	16	summary	summary	NOUN
gp-256	74	17	of	of	ADP
gp-256	74	18	representative	representative	ADJ
gp-256	74	19	quotes	quote	NOUN
gp-256	74	20	from	from	ADP
gp-256	74	21	each	each	PRON
gp-256	74	22	of	of	ADP
gp-256	74	23	the	the	DET
gp-256	74	24	main	main	ADJ
gp-256	74	25	themes	theme	NOUN
gp-256	74	26	that	that	PRON
gp-256	74	27	have	have	AUX
gp-256	74	28	been	be	AUX
gp-256	74	29	identified	identify	VERB
gp-256	74	30	in	in	ADP
gp-256	74	31	the	the	DET
gp-256	74	32	data	data	NOUN
gp-256	74	33	reduction	reduction	NOUN
gp-256	74	34	stage	stage	NOUN
gp-256	74	35	is	be	AUX
gp-256	74	36	compiled	compile	VERB
gp-256	74	37	.	.	PUNCT
gp-256	75	1	this	this	DET
gp-256	75	2	quote	quote	INTJ
gp-256	75	3	was	be	AUX
gp-256	75	4	chosen	choose	VERB
gp-256	75	5	based	base	VERB
gp-256	75	6	on	on	ADP
gp-256	75	7	the	the	DET
gp-256	75	8	level	level	NOUN
gp-256	75	9	of	of	ADP
gp-256	75	10	relevance	relevance	NOUN
gp-256	75	11	,	,	PUNCT
gp-256	75	12	the	the	DET
gp-256	75	13	strength	strength	NOUN
gp-256	75	14	of	of	ADP
gp-256	75	15	representation	representation	NOUN
gp-256	75	16	on	on	ADP
gp-256	75	17	the	the	DET
gp-256	75	18	perception	perception	NOUN
gp-256	75	19	of	of	ADP
gp-256	75	20	the	the	DET
gp-256	75	21	source	source	NOUN
gp-256	75	22	,	,	PUNCT
gp-256	75	23	and	and	CCONJ
gp-256	75	24	its	its	PRON
gp-256	75	25	contribution	contribution	NOUN
gp-256	75	26	in	in	ADP
gp-256	75	27	explaining	explain	VERB
gp-256	75	28	the	the	DET
gp-256	75	29	dynamics	dynamic	NOUN
gp-256	75	30	of	of	ADP
gp-256	75	31	the	the	DET
gp-256	75	32	collaboration	collaboration	NOUN
gp-256	75	33	strategy	strategy	NOUN
gp-256	75	34	between	between	ADP
gp-256	75	35	banks	bank	NOUN
gp-256	75	36	and	and	CCONJ
gp-256	75	37	p2p	p2p	NOUN
gp-256	75	38	lending	lending	NOUN
gp-256	75	39	in	in	ADP
gp-256	75	40	the	the	DET
gp-256	75	41	context	context	NOUN
gp-256	75	42	of	of	ADP
gp-256	75	43	multipurpose	multipurpose	NOUN
gp-256	75	44	credit	credit	NOUN
gp-256	75	45	.	.	PUNCT
gp-256	76	1	theme	theme	NOUN
gp-256	76	2	1	1	NUM
gp-256	76	3	:	:	PUNCT
gp-256	76	4	collaboration	collaboration	NOUN
gp-256	76	5	strategy	strategy	NOUN
gp-256	76	6	between	between	ADP
gp-256	76	7	banks	bank	NOUN
gp-256	76	8	and	and	CCONJ
gp-256	76	9	p2p	p2p	NOUN
gp-256	76	10	lending	lend	VERB
gp-256	76	11	this	this	DET
gp-256	76	12	theme	theme	NOUN
gp-256	76	13	reflects	reflect	VERB
gp-256	76	14	both	both	DET
gp-256	76	15	parties	party	NOUN
gp-256	76	16	'	'	PART
gp-256	76	17	understanding	understanding	NOUN
gp-256	76	18	of	of	ADP
gp-256	76	19	the	the	DET
gp-256	76	20	form	form	NOUN
gp-256	76	21	,	,	PUNCT
gp-256	76	22	direction	direction	NOUN
gp-256	76	23	,	,	PUNCT
gp-256	76	24	and	and	CCONJ
gp-256	76	25	structure	structure	NOUN
gp-256	76	26	of	of	ADP
gp-256	76	27	cooperation	cooperation	NOUN
gp-256	76	28	.	.	PUNCT
gp-256	77	1	from	from	ADP
gp-256	77	2	the	the	DET
gp-256	77	3	bank	bank	NOUN
gp-256	77	4	's	's	PART
gp-256	77	5	internal	internal	ADJ
gp-256	77	6	side	side	NOUN
gp-256	77	7	,	,	PUNCT
gp-256	77	8	collaboration	collaboration	NOUN
gp-256	77	9	with	with	ADP
gp-256	77	10	p2p	p2p	NOUN
gp-256	77	11	lending	lending	NOUN
gp-256	77	12	has	have	AUX
gp-256	77	13	become	become	VERB
gp-256	77	14	part	part	NOUN
gp-256	77	15	of	of	ADP
gp-256	77	16	the	the	DET
gp-256	77	17	medium	medium	ADJ
gp-256	77	18	-	-	PUNCT
gp-256	77	19	term	term	NOUN
gp-256	77	20	strategy	strategy	NOUN
gp-256	77	21	.	.	PUNCT
gp-256	78	1	as	as	SCONJ
gp-256	78	2	conveyed	convey	VERB
gp-256	78	3	by	by	ADP
gp-256	78	4	the	the	DET
gp-256	78	5	it	it	PROPN
gp-256	78	6	division	division	NOUN
gp-256	78	7	manager	manager	NOUN
gp-256	78	8	:	:	PUNCT
gp-256	78	9	"	"	PUNCT
gp-256	78	10	there	there	ADV
gp-256	78	11	,	,	PUNCT
gp-256	78	12	our	our	PRON
gp-256	78	13	roadmap	roadmap	NOUN
gp-256	78	14	for	for	ADP
gp-256	78	15	the	the	DET
gp-256	78	16	next	next	ADJ
gp-256	78	17	12	12	NUM
gp-256	78	18	-	-	SYM
gp-256	78	19	24	24	NUM
gp-256	78	20	months	month	NOUN
gp-256	78	21	includes	include	VERB
gp-256	78	22	system	system	NOUN
gp-256	78	23	interoperability	interoperability	NOUN
gp-256	78	24	,	,	PUNCT
gp-256	78	25	so	so	SCONJ
gp-256	78	26	that	that	SCONJ
gp-256	78	27	it	it	PRON
gp-256	78	28	can	can	AUX
gp-256	78	29	integrate	integrate	VERB
gp-256	78	30	with	with	ADP
gp-256	78	31	partner	partner	NOUN
gp-256	78	32	platforms	platform	NOUN
gp-256	78	33	.	.	PUNCT
gp-256	79	1	this	this	PRON
gp-256	79	2	is	be	AUX
gp-256	79	3	part	part	NOUN
gp-256	79	4	of	of	ADP
gp-256	79	5	our	our	PRON
gp-256	79	6	long	long	ADJ
gp-256	79	7	-	-	PUNCT
gp-256	79	8	term	term	NOUN
gp-256	79	9	strategy	strategy	NOUN
gp-256	79	10	to	to	PART
gp-256	79	11	strengthen	strengthen	VERB
gp-256	79	12	digital	digital	ADJ
gp-256	79	13	collaboration	collaboration	NOUN
gp-256	79	14	.	.	PUNCT
gp-256	79	15	"	"	PUNCT
gp-256	80	1	(	(	PUNCT
gp-256	80	2	it	it	PRON
gp-256	80	3	division	division	NOUN
gp-256	80	4	manager	manager	NOUN
gp-256	80	5	)	)	PUNCT
gp-256	80	6	the	the	DET
gp-256	80	7	retail	retail	ADJ
gp-256	80	8	lender	lender	NOUN
gp-256	80	9	added	add	VERB
gp-256	80	10	that	that	SCONJ
gp-256	80	11	the	the	DET
gp-256	80	12	collaboration	collaboration	NOUN
gp-256	80	13	is	be	AUX
gp-256	80	14	developing	develop	VERB
gp-256	80	15	gradually	gradually	ADV
gp-256	80	16	and	and	CCONJ
gp-256	80	17	adaptively	adaptively	ADV
gp-256	80	18	:	:	PUNCT
gp-256	80	19	"	"	PUNCT
gp-256	80	20	we	we	PRON
gp-256	80	21	are	be	AUX
gp-256	80	22	currently	currently	ADV
gp-256	80	23	gradually	gradually	ADV
gp-256	80	24	adopting	adopt	VERB
gp-256	80	25	a	a	DET
gp-256	80	26	channelling	channelling	NOUN
gp-256	80	27	mechanism	mechanism	NOUN
gp-256	80	28	based	base	VERB
gp-256	80	29	on	on	ADP
gp-256	80	30	backend	backend	NOUN
gp-256	80	31	integration	integration	NOUN
gp-256	80	32	.	.	PUNCT
gp-256	81	1	our	our	PRON
gp-256	81	2	initial	initial	ADJ
gp-256	81	3	focus	focus	NOUN
gp-256	81	4	was	be	AUX
gp-256	81	5	efficiency	efficiency	NOUN
gp-256	81	6	without	without	ADP
gp-256	81	7	sacrificing	sacrifice	VERB
gp-256	81	8	the	the	DET
gp-256	81	9	principle	principle	NOUN
gp-256	81	10	of	of	ADP
gp-256	81	11	prudence	prudence	NOUN
gp-256	81	12	.	.	PUNCT
gp-256	81	13	"	"	PUNCT
gp-256	82	1	(	(	PUNCT
gp-256	82	2	gh	gh	PROPN
gp-256	82	3	retail	retail	ADJ
gp-256	82	4	credit	credit	NOUN
gp-256	82	5	division	division	NOUN
gp-256	82	6	)	)	PUNCT
gp-256	82	7	from	from	ADP
gp-256	82	8	the	the	DET
gp-256	82	9	perspective	perspective	NOUN
gp-256	82	10	of	of	ADP
gp-256	82	11	p2p	p2p	NOUN
gp-256	82	12	lending	lending	NOUN
gp-256	82	13	partners	partner	NOUN
gp-256	82	14	,	,	PUNCT
gp-256	82	15	collaboration	collaboration	NOUN
gp-256	82	16	is	be	AUX
gp-256	82	17	seen	see	VERB
gp-256	82	18	as	as	ADP
gp-256	82	19	a	a	DET
gp-256	82	20	way	way	NOUN
gp-256	82	21	to	to	PART
gp-256	82	22	expand	expand	VERB
gp-256	82	23	the	the	DET
gp-256	82	24	reach	reach	NOUN
gp-256	82	25	of	of	ADP
gp-256	82	26	funding	funding	NOUN
gp-256	82	27	:	:	PUNCT
gp-256	82	28	"	"	PUNCT
gp-256	82	29	access	access	NOUN
gp-256	82	30	to	to	ADP
gp-256	82	31	large	large	ADJ
gp-256	82	32	funding	funding	NOUN
gp-256	82	33	:	:	PUNCT
gp-256	82	34	with	with	ADP
gp-256	82	35	banks	bank	NOUN
gp-256	82	36	,	,	PUNCT
gp-256	82	37	the	the	DET
gp-256	82	38	funding	funding	NOUN
gp-256	82	39	volume	volume	NOUN
gp-256	82	40	is	be	AUX
gp-256	82	41	more	more	ADV
gp-256	82	42	stable	stable	ADJ
gp-256	82	43	and	and	CCONJ
gp-256	82	44	we	we	PRON
gp-256	82	45	can	can	AUX
gp-256	82	46	reach	reach	VERB
gp-256	82	47	segments	segment	NOUN
gp-256	82	48	that	that	PRON
gp-256	82	49	were	be	AUX
gp-256	82	50	previously	previously	ADV
gp-256	82	51	difficult	difficult	ADJ
gp-256	82	52	for	for	SCONJ
gp-256	82	53	us	we	PRON
gp-256	82	54	to	to	PART
gp-256	82	55	enter	enter	VERB
gp-256	82	56	alone	alone	ADV
gp-256	82	57	.	.	PUNCT
gp-256	82	58	"	"	PUNCT
gp-256	83	1	(	(	PUNCT
gp-256	83	2	ceo	ceo	NOUN
gp-256	83	3	of	of	ADP
gp-256	83	4	p2p	p2p	NOUN
gp-256	83	5	lending	lending	NOUN
gp-256	83	6	)	)	PUNCT
gp-256	83	7	these	these	DET
gp-256	83	8	quotes	quote	NOUN
gp-256	83	9	show	show	VERB
gp-256	83	10	that	that	SCONJ
gp-256	83	11	cooperation	cooperation	NOUN
gp-256	83	12	is	be	AUX
gp-256	83	13	not	not	PART
gp-256	83	14	only	only	ADV
gp-256	83	15	driven	drive	VERB
gp-256	83	16	by	by	ADP
gp-256	83	17	tactical	tactical	ADJ
gp-256	83	18	needs	need	NOUN
gp-256	83	19	,	,	PUNCT
gp-256	83	20	but	but	CCONJ
gp-256	83	21	has	have	AUX
gp-256	83	22	become	become	VERB
gp-256	83	23	a	a	DET
gp-256	83	24	long	long	ADJ
gp-256	83	25	-	-	PUNCT
gp-256	83	26	term	term	NOUN
gp-256	83	27	strategy	strategy	NOUN
gp-256	83	28	with	with	ADP
gp-256	83	29	complementary	complementary	ADJ
gp-256	83	30	roles	role	NOUN
gp-256	83	31	.	.	PUNCT
gp-256	84	1	theme	theme	NOUN
gp-256	84	2	2	2	NUM
gp-256	84	3	:	:	PUNCT
gp-256	84	4	effectiveness	effectiveness	NOUN
gp-256	84	5	of	of	ADP
gp-256	84	6	the	the	DET
gp-256	84	7	channelling	channelling	NOUN
gp-256	84	8	model	model	NOUN
gp-256	84	9	the	the	DET
gp-256	84	10	effectiveness	effectiveness	NOUN
gp-256	84	11	of	of	ADP
gp-256	84	12	the	the	DET
gp-256	84	13	channelling	channelling	NOUN
gp-256	84	14	model	model	NOUN
gp-256	84	15	is	be	AUX
gp-256	84	16	measured	measure	VERB
gp-256	84	17	from	from	ADP
gp-256	84	18	the	the	DET
gp-256	84	19	perception	perception	NOUN
gp-256	84	20	of	of	ADP
gp-256	84	21	service	service	NOUN
gp-256	84	22	speed	speed	NOUN
gp-256	84	23	,	,	PUNCT
gp-256	84	24	process	process	NOUN
gp-256	84	25	efficiency	efficiency	NOUN
gp-256	84	26	,	,	PUNCT
gp-256	84	27	and	and	CCONJ
gp-256	84	28	user	user	NOUN
gp-256	84	29	convenience	convenience	NOUN
gp-256	84	30	.	.	PUNCT
gp-256	85	1	one	one	NUM
gp-256	85	2	borrower	borrower	NOUN
gp-256	85	3	stated	state	VERB
gp-256	85	4	:	:	PUNCT
gp-256	85	5	"	"	PUNCT
gp-256	85	6	i	i	PRON
gp-256	85	7	used	use	VERB
gp-256	85	8	to	to	PART
gp-256	85	9	apply	apply	VERB
gp-256	85	10	for	for	ADP
gp-256	85	11	credit	credit	NOUN
gp-256	85	12	at	at	ADP
gp-256	85	13	the	the	DET
gp-256	85	14	bank	bank	NOUN
gp-256	85	15	for	for	ADP
gp-256	85	16	a	a	DET
gp-256	85	17	long	long	ADJ
gp-256	85	18	time	time	NOUN
gp-256	85	19	.	.	PUNCT
gp-256	86	1	now	now	ADV
gp-256	86	2	i	i	PRON
gp-256	86	3	am	be	AUX
gp-256	86	4	invited	invite	VERB
gp-256	86	5	to	to	PART
gp-256	86	6	fill	fill	VERB
gp-256	86	7	in	in	ADP
gp-256	86	8	online	online	ADJ
gp-256	86	9	first	first	ADV
gp-256	86	10	through	through	ADP
gp-256	86	11	a	a	DET
gp-256	86	12	partner	partner	NOUN
gp-256	86	13	,	,	PUNCT
gp-256	86	14	then	then	ADV
gp-256	86	15	contacted	contact	VERB
gp-256	86	16	by	by	ADP
gp-256	86	17	the	the	DET
gp-256	86	18	bank	bank	NOUN
gp-256	86	19	.	.	PUNCT
gp-256	87	1	faster	fast	ADV
gp-256	87	2	and	and	CCONJ
gp-256	87	3	more	more	ADJ
gp-256	87	4	time	time	NOUN
gp-256	87	5	-	-	PUNCT
gp-256	87	6	saving	saving	NOUN
gp-256	87	7	.	.	PUNCT
gp-256	87	8	"	"	PUNCT
gp-256	88	1	(	(	PUNCT
gp-256	88	2	active	active	ADJ
gp-256	88	3	asn	asn	PROPN
gp-256	88	4	borrower	borrower	PROPN
gp-256	88	5	)	)	PUNCT
gp-256	89	1	but	but	CCONJ
gp-256	89	2	from	from	ADP
gp-256	89	3	the	the	DET
gp-256	89	4	bank	bank	NOUN
gp-256	89	5	's	's	PART
gp-256	89	6	side	side	NOUN
gp-256	89	7	,	,	PUNCT
gp-256	89	8	effectiveness	effectiveness	NOUN
gp-256	89	9	remains	remain	VERB
gp-256	89	10	limited	limit	VERB
gp-256	89	11	by	by	ADP
gp-256	89	12	the	the	DET
gp-256	89	13	need	need	NOUN
gp-256	89	14	for	for	ADP
gp-256	89	15	internal	internal	ADJ
gp-256	89	16	controls	control	NOUN
gp-256	89	17	:	:	PUNCT
gp-256	89	18	"	"	PUNCT
gp-256	89	19	we	we	PRON
gp-256	89	20	admit	admit	VERB
gp-256	89	21	that	that	SCONJ
gp-256	89	22	our	our	PRON
gp-256	89	23	slas	sla	NOUN
gp-256	89	24	have	have	AUX
gp-256	89	25	improved	improve	VERB
gp-256	89	26	with	with	ADP
gp-256	89	27	the	the	DET
gp-256	89	28	channelling	channel	VERB
gp-256	89	29	system	system	NOUN
gp-256	89	30	,	,	PUNCT
gp-256	89	31	but	but	CCONJ
gp-256	89	32	the	the	DET
gp-256	89	33	final	final	ADJ
gp-256	89	34	approval	approval	NOUN
gp-256	89	35	remains	remain	VERB
gp-256	89	36	with	with	ADP
gp-256	89	37	us	we	PRON
gp-256	89	38	.	.	PUNCT
gp-256	90	1	the	the	DET
gp-256	90	2	partner	partner	NOUN
gp-256	90	3	system	system	NOUN
gp-256	90	4	only	only	ADV
gp-256	90	5	accelerates	accelerate	VERB
gp-256	90	6	the	the	DET
gp-256	90	7	entry	entry	NOUN
gp-256	90	8	path	path	NOUN
gp-256	90	9	,	,	PUNCT
gp-256	90	10	not	not	PART
gp-256	90	11	replaces	replace	VERB
gp-256	90	12	our	our	PRON
gp-256	90	13	analytics	analytic	NOUN
gp-256	90	14	.	.	PUNCT
gp-256	90	15	"	"	PUNCT
gp-256	91	1	(	(	PUNCT
gp-256	91	2	gh	gh	PROPN
gp-256	91	3	retail	retail	ADJ
gp-256	91	4	credit	credit	NOUN
gp-256	91	5	division	division	NOUN
gp-256	91	6	)	)	PUNCT
gp-256	91	7	from	from	ADP
gp-256	91	8	the	the	DET
gp-256	91	9	quote	quote	NOUN
gp-256	91	10	,	,	PUNCT
gp-256	91	11	it	it	PRON
gp-256	91	12	can	can	AUX
gp-256	91	13	be	be	AUX
gp-256	91	14	seen	see	VERB
gp-256	91	15	that	that	SCONJ
gp-256	91	16	the	the	DET
gp-256	91	17	effectiveness	effectiveness	NOUN
gp-256	91	18	of	of	ADP
gp-256	91	19	the	the	DET
gp-256	91	20	channelling	channelling	NOUN
gp-256	91	21	model	model	NOUN
gp-256	91	22	is	be	AUX
gp-256	91	23	increasingly	increasingly	ADV
gp-256	91	24	felt	feel	VERB
gp-256	91	25	from	from	ADP
gp-256	91	26	the	the	DET
gp-256	91	27	front	front	ADJ
gp-256	91	28	-	-	PUNCT
gp-256	91	29	end	end	NOUN
gp-256	91	30	side	side	NOUN
gp-256	91	31	,	,	PUNCT
gp-256	91	32	but	but	CCONJ
gp-256	91	33	the	the	DET
gp-256	91	34	backend	backend	NOUN
gp-256	91	35	is	be	AUX
gp-256	91	36	still	still	ADV
gp-256	91	37	fully	fully	ADV
gp-256	91	38	controlled	control	VERB
gp-256	91	39	by	by	ADP
gp-256	91	40	banks	bank	NOUN
gp-256	91	41	to	to	PART
gp-256	91	42	maintain	maintain	VERB
gp-256	91	43	credit	credit	NOUN
gp-256	91	44	quality	quality	NOUN
gp-256	91	45	and	and	CCONJ
gp-256	91	46	risk	risk	NOUN
gp-256	91	47	.	.	PUNCT
gp-256	92	1	theme	theme	NOUN
gp-256	92	2	3	3	NUM
gp-256	92	3	:	:	PUNCT
gp-256	92	4	information	information	NOUN
gp-256	92	5	technology	technology	NOUN
gp-256	92	6	integration	integration	NOUN
gp-256	92	7	system	system	NOUN
gp-256	92	8	integration	integration	NOUN
gp-256	92	9	is	be	AUX
gp-256	92	10	the	the	DET
gp-256	92	11	key	key	NOUN
gp-256	92	12	to	to	ADP
gp-256	92	13	the	the	DET
gp-256	92	14	smooth	smooth	ADJ
gp-256	92	15	operation	operation	NOUN
gp-256	92	16	of	of	ADP
gp-256	92	17	cooperation	cooperation	NOUN
gp-256	92	18	.	.	PUNCT
gp-256	93	1	a	a	DET
gp-256	93	2	resource	resource	NOUN
gp-256	93	3	person	person	NOUN
gp-256	93	4	from	from	ADP
gp-256	93	5	p2p	p2p	NOUN
gp-256	93	6	lending	lending	NOUN
gp-256	93	7	said	say	VERB
gp-256	93	8	:	:	PUNCT
gp-256	93	9	"	"	PUNCT
gp-256	93	10	we	we	PRON
gp-256	93	11	use	use	VERB
gp-256	93	12	apis	apis	ADJ
gp-256	93	13	to	to	PART
gp-256	93	14	connect	connect	VERB
gp-256	93	15	data	datum	NOUN
gp-256	93	16	scoring	scoring	NOUN
gp-256	93	17	and	and	CCONJ
gp-256	93	18	verification	verification	NOUN
gp-256	93	19	to	to	ADP
gp-256	93	20	banks	bank	NOUN
gp-256	93	21	.	.	PUNCT
gp-256	94	1	but	but	CCONJ
gp-256	94	2	the	the	DET
gp-256	94	3	real	real	ADJ
gp-256	94	4	-	-	PUNCT
gp-256	94	5	time	time	NOUN
gp-256	94	6	synchronization	synchronization	NOUN
gp-256	94	7	is	be	AUX
gp-256	94	8	not	not	PART
gp-256	94	9	fully	fully	ADV
gp-256	94	10	stable	stable	ADJ
gp-256	94	11	,	,	PUNCT
gp-256	94	12	sometimes	sometimes	ADV
gp-256	94	13	there	there	PRON
gp-256	94	14	are	be	VERB
gp-256	94	15	delays	delay	NOUN
gp-256	94	16	.	.	PUNCT
gp-256	94	17	"	"	PUNCT
gp-256	95	1	(	(	PUNCT
gp-256	95	2	p2p	p2p	NOUN
gp-256	95	3	lending	lending	NOUN
gp-256	95	4	technology	technology	NOUN
gp-256	95	5	team	team	NOUN
gp-256	95	6	.	.	PUNCT
gp-256	95	7	)	)	PUNCT
gp-256	96	1	from	from	ADP
gp-256	96	2	the	the	DET
gp-256	96	3	bank	bank	NOUN
gp-256	96	4	side	side	NOUN
gp-256	96	5	,	,	PUNCT
gp-256	96	6	challenges	challenge	NOUN
gp-256	96	7	arise	arise	VERB
gp-256	96	8	from	from	ADP
gp-256	96	9	the	the	DET
gp-256	96	10	structure	structure	NOUN
gp-256	96	11	of	of	ADP
gp-256	96	12	the	the	DET
gp-256	96	13	internal	internal	ADJ
gp-256	96	14	system	system	NOUN
gp-256	96	15	:	:	PUNCT
gp-256	96	16	"	"	PUNCT
gp-256	96	17	bank	bank	NOUN
gp-256	96	18	technology	technology	NOUN
gp-256	96	19	is	be	AUX
gp-256	96	20	more	more	ADV
gp-256	96	21	rigid	rigid	ADJ
gp-256	96	22	due	due	ADJ
gp-256	96	23	to	to	ADP
gp-256	96	24	regulatory	regulatory	ADJ
gp-256	96	25	demands	demand	NOUN
gp-256	96	26	.	.	PUNCT
gp-256	97	1	integration	integration	NOUN
gp-256	97	2	has	have	VERB
gp-256	97	3	to	to	PART
gp-256	97	4	go	go	VERB
gp-256	97	5	through	through	ADP
gp-256	97	6	multiple	multiple	ADJ
gp-256	97	7	layers	layer	NOUN
gp-256	97	8	of	of	ADP
gp-256	97	9	security	security	NOUN
gp-256	97	10	,	,	PUNCT
gp-256	97	11	it	it	PRON
gp-256	97	12	ca	can	AUX
gp-256	97	13	n't	not	PART
gp-256	97	14	be	be	AUX
gp-256	97	15	straightforward	straightforward	ADJ
gp-256	97	16	.	.	PUNCT
gp-256	97	17	"	"	PUNCT
gp-256	98	1	(	(	PUNCT
gp-256	98	2	bank	bank	VERB
gp-256	98	3	it	it	PRON
gp-256	98	4	manager	manager	NOUN
gp-256	98	5	)	)	PUNCT
gp-256	98	6	american	american	ADJ
gp-256	98	7	journal	journal	PROPN
gp-256	98	8	of	of	ADP
gp-256	98	9	economic	economic	ADJ
gp-256	98	10	and	and	CCONJ
gp-256	98	11	management	management	NOUN
gp-256	98	12	business	business	NOUN
gp-256	98	13	vol	vol	NOUN
gp-256	98	14	.	.	PROPN
gp-256	98	15	4	4	NUM
gp-256	99	1	no	no	NOUN
gp-256	99	2	.	.	NOUN
gp-256	99	3	8	8	NUM
gp-256	99	4	agustus	agustus	NOUN
gp-256	99	5	2025	2025	NUM
gp-256	99	6	1305	1305	NUM
gp-256	99	7	this	this	DET
gp-256	99	8	condition	condition	NOUN
gp-256	99	9	shows	show	VERB
gp-256	99	10	that	that	SCONJ
gp-256	99	11	technology	technology	NOUN
gp-256	99	12	integration	integration	NOUN
gp-256	99	13	is	be	AUX
gp-256	99	14	crucial	crucial	ADJ
gp-256	99	15	but	but	CCONJ
gp-256	99	16	not	not	PART
gp-256	99	17	simple	simple	ADJ
gp-256	99	18	,	,	PUNCT
gp-256	99	19	because	because	SCONJ
gp-256	99	20	it	it	PRON
gp-256	99	21	must	must	AUX
gp-256	99	22	meet	meet	VERB
gp-256	99	23	technical	technical	ADJ
gp-256	99	24	and	and	CCONJ
gp-256	99	25	regulatory	regulatory	ADJ
gp-256	99	26	aspects	aspect	NOUN
gp-256	99	27	.	.	PUNCT
gp-256	100	1	theme	theme	NOUN
gp-256	100	2	4	4	NUM
gp-256	100	3	:	:	PUNCT
gp-256	100	4	internal	internal	ADJ
gp-256	100	5	and	and	CCONJ
gp-256	100	6	external	external	ADJ
gp-256	100	7	factors	factor	NOUN
gp-256	100	8	influencing	influence	VERB
gp-256	100	9	this	this	PRON
gp-256	100	10	includes	include	VERB
gp-256	100	11	the	the	DET
gp-256	100	12	readiness	readiness	NOUN
gp-256	100	13	of	of	ADP
gp-256	100	14	internal	internal	ADJ
gp-256	100	15	organizations	organization	NOUN
gp-256	100	16	as	as	ADV
gp-256	100	17	well	well	ADV
gp-256	100	18	as	as	ADP
gp-256	100	19	the	the	DET
gp-256	100	20	influence	influence	NOUN
gp-256	100	21	of	of	ADP
gp-256	100	22	external	external	ADJ
gp-256	100	23	regulations	regulation	NOUN
gp-256	100	24	.	.	PUNCT
gp-256	101	1	from	from	ADP
gp-256	101	2	the	the	DET
gp-256	101	3	regulator	regulator	NOUN
gp-256	101	4	:	:	PUNCT
gp-256	101	5	"	"	PUNCT
gp-256	101	6	we	we	PRON
gp-256	101	7	open	open	VERB
gp-256	101	8	the	the	DET
gp-256	101	9	space	space	NOUN
gp-256	101	10	for	for	ADP
gp-256	101	11	bank	bank	NOUN
gp-256	101	12	collaboration	collaboration	NOUN
gp-256	101	13	with	with	ADP
gp-256	101	14	fintech	fintech	NOUN
gp-256	101	15	,	,	PUNCT
gp-256	101	16	as	as	ADV
gp-256	101	17	long	long	ADV
gp-256	101	18	as	as	SCONJ
gp-256	101	19	we	we	PRON
gp-256	101	20	remain	remain	VERB
gp-256	101	21	within	within	ADP
gp-256	101	22	the	the	DET
gp-256	101	23	pojk	pojk	PROPN
gp-256	101	24	corridor	corridor	NOUN
gp-256	101	25	and	and	CCONJ
gp-256	101	26	the	the	DET
gp-256	101	27	principle	principle	NOUN
gp-256	101	28	of	of	ADP
gp-256	101	29	prudence	prudence	NOUN
gp-256	101	30	.	.	PUNCT
gp-256	101	31	"	"	PUNCT
gp-256	102	1	(	(	PUNCT
gp-256	102	2	ojk	ojk	NOUN
gp-256	102	3	)	)	PUNCT
gp-256	102	4	from	from	ADP
gp-256	102	5	the	the	DET
gp-256	102	6	bank	bank	NOUN
gp-256	102	7	's	's	PART
gp-256	102	8	internal	internal	ADJ
gp-256	102	9	side	side	NOUN
gp-256	102	10	:	:	PUNCT
gp-256	102	11	"	"	PUNCT
gp-256	102	12	we	we	PRON
gp-256	102	13	need	need	VERB
gp-256	102	14	to	to	PART
gp-256	102	15	upgrade	upgrade	VERB
gp-256	102	16	our	our	PRON
gp-256	102	17	team	team	NOUN
gp-256	102	18	to	to	PART
gp-256	102	19	be	be	AUX
gp-256	102	20	able	able	ADJ
gp-256	102	21	to	to	PART
gp-256	102	22	work	work	VERB
gp-256	102	23	in	in	ADP
gp-256	102	24	a	a	DET
gp-256	102	25	hybrid	hybrid	ADJ
gp-256	102	26	system	system	NOUN
gp-256	102	27	,	,	PUNCT
gp-256	102	28	because	because	SCONJ
gp-256	102	29	p2p	p2p	NOUN
gp-256	102	30	works	work	VERB
gp-256	102	31	differently	differently	ADV
gp-256	102	32	than	than	ADP
gp-256	102	33	a	a	DET
gp-256	102	34	regular	regular	ADJ
gp-256	102	35	branch	branch	NOUN
gp-256	102	36	.	.	PUNCT
gp-256	102	37	"	"	PUNCT
gp-256	103	1	(	(	PUNCT
gp-256	103	2	gh	gh	PROPN
gp-256	103	3	risk	risk	NOUN
gp-256	103	4	management	management	NOUN
gp-256	103	5	division	division	NOUN
gp-256	103	6	)	)	PUNCT
gp-256	103	7	thus	thus	ADV
gp-256	103	8	,	,	PUNCT
gp-256	103	9	this	this	DET
gp-256	103	10	collaboration	collaboration	NOUN
gp-256	103	11	not	not	PART
gp-256	103	12	only	only	ADV
gp-256	103	13	demands	demand	VERB
gp-256	103	14	technological	technological	ADJ
gp-256	103	15	readiness	readiness	NOUN
gp-256	103	16	,	,	PUNCT
gp-256	103	17	but	but	CCONJ
gp-256	103	18	also	also	ADV
gp-256	103	19	organizational	organizational	ADJ
gp-256	103	20	culture	culture	NOUN
gp-256	103	21	transformation	transformation	NOUN
gp-256	103	22	and	and	CCONJ
gp-256	103	23	cross	cross	ADJ
gp-256	103	24	-	-	ADJ
gp-256	103	25	system	system	ADJ
gp-256	103	26	understanding	understanding	NOUN
gp-256	103	27	.	.	PUNCT
gp-256	104	1	theme	theme	NOUN
gp-256	104	2	5	5	NUM
gp-256	104	3	:	:	PUNCT
gp-256	104	4	risk	risk	NOUN
gp-256	104	5	and	and	CCONJ
gp-256	104	6	mitigation	mitigation	NOUN
gp-256	104	7	strategies	strategy	NOUN
gp-256	104	8	this	this	DET
gp-256	104	9	theme	theme	NOUN
gp-256	104	10	is	be	AUX
gp-256	104	11	the	the	DET
gp-256	104	12	most	most	ADV
gp-256	104	13	cited	cite	VERB
gp-256	104	14	,	,	PUNCT
gp-256	104	15	showing	show	VERB
gp-256	104	16	that	that	DET
gp-256	104	17	risk	risk	NOUN
gp-256	104	18	is	be	AUX
gp-256	104	19	the	the	DET
gp-256	104	20	main	main	ADJ
gp-256	104	21	concern	concern	NOUN
gp-256	104	22	of	of	ADP
gp-256	104	23	all	all	DET
gp-256	104	24	parties	party	NOUN
gp-256	104	25	.	.	PUNCT
gp-256	105	1	from	from	ADP
gp-256	105	2	p2p	p2p	NOUN
gp-256	105	3	lending	lending	NOUN
gp-256	105	4	:	:	PUNCT
gp-256	105	5	"	"	PUNCT
gp-256	105	6	we	we	PRON
gp-256	105	7	implement	implement	VERB
gp-256	105	8	layered	layered	ADJ
gp-256	105	9	verification	verification	NOUN
gp-256	105	10	and	and	CCONJ
gp-256	105	11	digital	digital	ADJ
gp-256	105	12	footprint	footprint	NOUN
gp-256	105	13	screening	screening	NOUN
gp-256	105	14	before	before	SCONJ
gp-256	105	15	the	the	DET
gp-256	105	16	data	data	NOUN
gp-256	105	17	enters	enter	VERB
gp-256	105	18	the	the	DET
gp-256	105	19	bank	bank	NOUN
gp-256	105	20	.	.	PUNCT
gp-256	105	21	"	"	PUNCT
gp-256	106	1	(	(	PUNCT
gp-256	106	2	risk	risk	NOUN
gp-256	106	3	officer	officer	NOUN
gp-256	106	4	p2p	p2p	NOUN
gp-256	106	5	lending	lending	NOUN
gp-256	106	6	)	)	PUNCT
gp-256	106	7	from	from	ADP
gp-256	106	8	the	the	DET
gp-256	106	9	bank	bank	NOUN
gp-256	106	10	's	's	PART
gp-256	106	11	side	side	NOUN
gp-256	106	12	:	:	PUNCT
gp-256	106	13	"	"	PUNCT
gp-256	106	14	we	we	PRON
gp-256	106	15	need	need	VERB
gp-256	106	16	an	an	DET
gp-256	106	17	early	early	ADJ
gp-256	106	18	warning	warning	NOUN
gp-256	106	19	system	system	NOUN
gp-256	106	20	that	that	PRON
gp-256	106	21	monitors	monitor	VERB
gp-256	106	22	the	the	DET
gp-256	106	23	portfolio	portfolio	NOUN
gp-256	106	24	of	of	ADP
gp-256	106	25	cooperation	cooperation	NOUN
gp-256	106	26	results	result	VERB
gp-256	106	27	on	on	ADP
gp-256	106	28	a	a	DET
gp-256	106	29	regular	regular	ADJ
gp-256	106	30	basis	basis	NOUN
gp-256	106	31	.	.	PUNCT
gp-256	107	1	we	we	PRON
gp-256	107	2	are	be	AUX
gp-256	107	3	developing	develop	VERB
gp-256	107	4	this	this	PRON
gp-256	107	5	.	.	PUNCT
gp-256	107	6	"	"	PUNCT
gp-256	108	1	(	(	PUNCT
gp-256	108	2	gh	gh	PROPN
gp-256	108	3	risk	risk	NOUN
gp-256	108	4	management	management	NOUN
gp-256	108	5	)	)	PUNCT
gp-256	108	6	the	the	DET
gp-256	108	7	focus	focus	NOUN
gp-256	108	8	on	on	ADP
gp-256	108	9	risk	risk	NOUN
gp-256	108	10	control	control	NOUN
gp-256	108	11	shows	show	VERB
gp-256	108	12	an	an	DET
gp-256	108	13	awareness	awareness	NOUN
gp-256	108	14	that	that	SCONJ
gp-256	108	15	the	the	DET
gp-256	108	16	sustainability	sustainability	NOUN
gp-256	108	17	of	of	ADP
gp-256	108	18	collaboration	collaboration	NOUN
gp-256	108	19	is	be	AUX
gp-256	108	20	highly	highly	ADV
gp-256	108	21	dependent	dependent	ADJ
gp-256	108	22	on	on	ADP
gp-256	108	23	adaptive	adaptive	ADJ
gp-256	108	24	and	and	CCONJ
gp-256	108	25	auditable	auditable	ADJ
gp-256	108	26	joint	joint	ADJ
gp-256	108	27	mitigation	mitigation	NOUN
gp-256	108	28	mechanisms	mechanism	NOUN
gp-256	108	29	.	.	PUNCT
gp-256	109	1	conclusion	conclusion	NOUN
gp-256	109	2	drawing	drawing	NOUN
gp-256	109	3	and	and	CCONJ
gp-256	109	4	verification	verification	NOUN
gp-256	109	5	of	of	ADP
gp-256	109	6	findings	finding	NOUN
gp-256	109	7	the	the	DET
gp-256	109	8	reference	reference	NOUN
gp-256	109	9	and	and	CCONJ
gp-256	109	10	validation	validation	NOUN
gp-256	109	11	of	of	ADP
gp-256	109	12	the	the	DET
gp-256	109	13	findings	finding	NOUN
gp-256	109	14	in	in	ADP
gp-256	109	15	this	this	DET
gp-256	109	16	subchapter	subchapter	NOUN
gp-256	109	17	refer	refer	NOUN
gp-256	109	18	to	to	ADP
gp-256	109	19	the	the	DET
gp-256	109	20	results	result	NOUN
gp-256	109	21	of	of	ADP
gp-256	109	22	coding	code	VERB
gp-256	109	23	analysis	analysis	NOUN
gp-256	109	24	from	from	ADP
gp-256	109	25	nvivo	nvivo	ADJ
gp-256	109	26	,	,	PUNCT
gp-256	109	27	with	with	ADP
gp-256	109	28	a	a	DET
gp-256	109	29	total	total	NOUN
gp-256	109	30	of	of	ADP
gp-256	109	31	398	398	NUM
gp-256	109	32	citations	citation	NOUN
gp-256	109	33	that	that	PRON
gp-256	109	34	have	have	AUX
gp-256	109	35	been	be	AUX
gp-256	109	36	categorized	categorize	VERB
gp-256	109	37	into	into	ADP
gp-256	109	38	five	five	NUM
gp-256	109	39	main	main	ADJ
gp-256	109	40	themes	theme	NOUN
gp-256	109	41	based	base	VERB
gp-256	109	42	on	on	ADP
gp-256	109	43	keyword	keyword	NOUN
gp-256	109	44	frequency	frequency	NOUN
gp-256	109	45	,	,	PUNCT
gp-256	109	46	resource	resource	NOUN
gp-256	109	47	person	person	NOUN
gp-256	109	48	classification	classification	NOUN
gp-256	109	49	,	,	PUNCT
gp-256	109	50	and	and	CCONJ
gp-256	109	51	citation	citation	NOUN
gp-256	109	52	substance	substance	NOUN
gp-256	109	53	.	.	PUNCT
gp-256	110	1	the	the	DET
gp-256	110	2	data	datum	NOUN
gp-256	110	3	used	use	VERB
gp-256	110	4	are	be	AUX
gp-256	110	5	the	the	DET
gp-256	110	6	result	result	NOUN
gp-256	110	7	of	of	ADP
gp-256	110	8	triangulation	triangulation	NOUN
gp-256	110	9	from	from	ADP
gp-256	110	10	various	various	ADJ
gp-256	110	11	sources	source	NOUN
gp-256	110	12	listed	list	VERB
gp-256	110	13	in	in	ADP
gp-256	110	14	the	the	DET
gp-256	110	15	attachment	attachment	NOUN
gp-256	110	16	to	to	ADP
gp-256	110	17	the	the	DET
gp-256	110	18	nvivo	nvivo	ADJ
gp-256	110	19	final	final	ADJ
gp-256	110	20	5	5	NUM
gp-256	110	21	theme	theme	NOUN
gp-256	110	22	consistent	consistent	ADJ
gp-256	110	23	(	(	PUNCT
gp-256	110	24	2025	2025	NUM
gp-256	110	25	)	)	PUNCT
gp-256	110	26	citation	citation	NOUN
gp-256	110	27	.	.	PUNCT
gp-256	111	1	to	to	PART
gp-256	111	2	strengthen	strengthen	VERB
gp-256	111	3	the	the	DET
gp-256	111	4	credibility	credibility	NOUN
gp-256	111	5	of	of	ADP
gp-256	111	6	the	the	DET
gp-256	111	7	findings	finding	NOUN
gp-256	111	8	,	,	PUNCT
gp-256	111	9	the	the	DET
gp-256	111	10	following	follow	VERB
gp-256	111	11	is	be	AUX
gp-256	111	12	a	a	DET
gp-256	111	13	summary	summary	NOUN
gp-256	111	14	of	of	ADP
gp-256	111	15	the	the	DET
gp-256	111	16	results	result	NOUN
gp-256	111	17	of	of	ADP
gp-256	111	18	the	the	DET
gp-256	111	19	citation	citation	NOUN
gp-256	111	20	frequency	frequency	NOUN
gp-256	111	21	analysis	analysis	NOUN
gp-256	111	22	of	of	ADP
gp-256	111	23	each	each	DET
gp-256	111	24	theme	theme	NOUN
gp-256	111	25	based	base	VERB
gp-256	111	26	on	on	ADP
gp-256	111	27	nvivo	nvivo	ADJ
gp-256	111	28	data	datum	NOUN
gp-256	111	29	:	:	PUNCT
gp-256	111	30	table	table	NOUN
gp-256	111	31	2	2	NUM
gp-256	111	32	.	.	PUNCT
gp-256	111	33	analysis	analysis	NOUN
gp-256	111	34	of	of	ADP
gp-256	111	35	the	the	DET
gp-256	111	36	frequency	frequency	NOUN
gp-256	111	37	of	of	ADP
gp-256	111	38	citations	citation	NOUN
gp-256	111	39	of	of	ADP
gp-256	111	40	each	each	DET
gp-256	111	41	theme	theme	NOUN
gp-256	111	42	main	main	ADJ
gp-256	111	43	theme	theme	NOUN
gp-256	111	44	number	number	NOUN
gp-256	111	45	of	of	ADP
gp-256	111	46	quotes	quote	NOUN
gp-256	111	47	dominant	dominant	ADJ
gp-256	111	48	resource	resource	NOUN
gp-256	111	49	persons	person	NOUN
gp-256	111	50	dominant	dominant	ADJ
gp-256	111	51	keywords	keyword	NOUN
gp-256	111	52	collaboration	collaboration	NOUN
gp-256	111	53	strategy	strategy	NOUN
gp-256	111	54	37	37	NUM
gp-256	111	55	retail	retail	ADJ
gp-256	111	56	credit	credit	NOUN
gp-256	111	57	division	division	NOUN
gp-256	111	58	,	,	PUNCT
gp-256	111	59	ceo	ceo	NOUN
gp-256	111	60	of	of	ADP
gp-256	111	61	p2p	p2p	NOUN
gp-256	111	62	lending	lending	NOUN
gp-256	111	63	cooperation	cooperation	NOUN
gp-256	111	64	,	,	PUNCT
gp-256	111	65	channelling	channelling	NOUN
gp-256	111	66	,	,	PUNCT
gp-256	111	67	acquisition	acquisition	NOUN
gp-256	111	68	effectiveness	effectiveness	NOUN
gp-256	111	69	of	of	ADP
gp-256	111	70	the	the	DET
gp-256	111	71	channelling	channelling	NOUN
gp-256	111	72	model	model	NOUN
gp-256	111	73	13	13	NUM
gp-256	111	74	borrower	borrower	NOUN
gp-256	111	75	,	,	PUNCT
gp-256	111	76	retail	retail	ADJ
gp-256	111	77	credit	credit	NOUN
gp-256	111	78	division	division	NOUN
gp-256	111	79	sla	sla	PROPN
gp-256	111	80	,	,	PUNCT
gp-256	111	81	approval	approval	NOUN
gp-256	111	82	,	,	PUNCT
gp-256	111	83	efisiensi	efisiensi	NOUN
gp-256	111	84	,	,	PUNCT
gp-256	111	85	seamless	seamless	ADJ
gp-256	111	86	process	process	NOUN
gp-256	111	87	information	information	NOUN
gp-256	111	88	technology	technology	NOUN
gp-256	111	89	integration	integration	NOUN
gp-256	111	90	79	79	NUM
gp-256	111	91	bank	bank	NOUN
gp-256	111	92	it	it	PRON
gp-256	111	93	manager	manager	NOUN
gp-256	111	94	,	,	PUNCT
gp-256	111	95	p2p	p2p	NOUN
gp-256	111	96	technology	technology	NOUN
gp-256	111	97	team	team	NOUN
gp-256	111	98	api	api	NOUN
gp-256	111	99	,	,	PUNCT
gp-256	111	100	backend	backend	NOUN
gp-256	111	101	,	,	PUNCT
gp-256	111	102	system	system	NOUN
gp-256	111	103	,	,	PUNCT
gp-256	111	104	scoring	scoring	NOUN
gp-256	111	105	,	,	PUNCT
gp-256	111	106	integration	integration	NOUN
gp-256	111	107	internal	internal	ADJ
gp-256	111	108	and	and	CCONJ
gp-256	111	109	external	external	ADJ
gp-256	111	110	factors	factor	NOUN
gp-256	111	111	29	29	NUM
gp-256	111	112	gh	gh	PROPN
gp-256	111	113	risk	risk	NOUN
gp-256	111	114	management	management	NOUN
gp-256	111	115	,	,	PUNCT
gp-256	111	116	ojk	ojk	NOUN
gp-256	111	117	regulations	regulation	NOUN
gp-256	111	118	,	,	PUNCT
gp-256	111	119	human	human	ADJ
gp-256	111	120	resources	resource	NOUN
gp-256	111	121	,	,	PUNCT
gp-256	111	122	sops	sop	NOUN
gp-256	111	123	,	,	PUNCT
gp-256	111	124	organizational	organizational	ADJ
gp-256	111	125	structure	structure	NOUN
gp-256	111	126	risks	risk	NOUN
gp-256	111	127	and	and	CCONJ
gp-256	111	128	mitigations	mitigation	NOUN
gp-256	111	129	240	240	NUM
gp-256	111	130	p2p	p2p	NOUN
gp-256	111	131	risk	risk	NOUN
gp-256	111	132	officer	officer	NOUN
gp-256	111	133	,	,	PUNCT
gp-256	111	134	gh	gh	PROPN
gp-256	111	135	risk	risk	NOUN
gp-256	111	136	management	management	NOUN
gp-256	111	137	risk	risk	NOUN
gp-256	111	138	,	,	PUNCT
gp-256	111	139	fraud	fraud	NOUN
gp-256	111	140	,	,	PUNCT
gp-256	111	141	mitigation	mitigation	NOUN
gp-256	111	142	,	,	PUNCT
gp-256	111	143	validation	validation	NOUN
gp-256	111	144	,	,	PUNCT
gp-256	111	145	control	control	NOUN
gp-256	111	146	this	this	PRON
gp-256	111	147	is	be	AUX
gp-256	111	148	the	the	DET
gp-256	111	149	final	final	ADJ
gp-256	111	150	stage	stage	NOUN
gp-256	111	151	in	in	ADP
gp-256	111	152	the	the	DET
gp-256	111	153	qualitative	qualitative	ADJ
gp-256	111	154	data	datum	NOUN
gp-256	111	155	analysis	analysis	NOUN
gp-256	111	156	process	process	NOUN
gp-256	111	157	that	that	PRON
gp-256	111	158	refers	refer	VERB
gp-256	111	159	to	to	ADP
gp-256	111	160	the	the	DET
gp-256	111	161	approach	approach	NOUN
gp-256	111	162	of	of	ADP
gp-256	111	163	miles	mile	NOUN
gp-256	111	164	,	,	PUNCT
gp-256	111	165	huberman	huberman	NOUN
gp-256	111	166	,	,	PUNCT
gp-256	111	167	and	and	CCONJ
gp-256	111	168	saldaña	saldaña	ADJ
gp-256	111	169	(	(	PUNCT
gp-256	111	170	2014	2014	NUM
gp-256	111	171	)	)	PUNCT
gp-256	111	172	,	,	PUNCT
gp-256	111	173	which	which	PRON
gp-256	111	174	includes	include	VERB
gp-256	111	175	the	the	DET
gp-256	111	176	activity	activity	NOUN
gp-256	111	177	of	of	ADP
gp-256	111	178	drawing	draw	VERB
gp-256	111	179	conclusions	conclusion	NOUN
gp-256	111	180	and	and	CCONJ
gp-256	111	181	verifying	verify	VERB
gp-256	111	182	the	the	DET
gp-256	111	183	findings	finding	NOUN
gp-256	111	184	.	.	PUNCT
gp-256	112	1	conclusions	conclusion	NOUN
gp-256	112	2	are	be	AUX
gp-256	112	3	drawn	draw	VERB
gp-256	112	4	by	by	ADP
gp-256	112	5	evaluating	evaluate	VERB
gp-256	112	6	and	and	CCONJ
gp-256	112	7	synthesizing	synthesize	VERB
gp-256	112	8	data	datum	NOUN
gp-256	112	9	that	that	PRON
gp-256	112	10	have	have	AUX
gp-256	112	11	been	be	AUX
gp-256	112	12	reduced	reduce	VERB
gp-256	112	13	and	and	CCONJ
gp-256	112	14	presented	present	VERB
gp-256	112	15	previously	previously	ADV
gp-256	112	16	,	,	PUNCT
gp-256	112	17	while	while	SCONJ
gp-256	112	18	verification	verification	NOUN
gp-256	112	19	is	be	AUX
gp-256	112	20	carried	carry	VERB
gp-256	112	21	out	out	ADP
gp-256	112	22	by	by	ADP
gp-256	112	23	triangulation	triangulation	NOUN
gp-256	112	24	american	american	ADJ
gp-256	112	25	journal	journal	PROPN
gp-256	112	26	of	of	ADP
gp-256	112	27	economic	economic	ADJ
gp-256	112	28	and	and	CCONJ
gp-256	112	29	management	management	NOUN
gp-256	112	30	business	business	NOUN
gp-256	112	31	vol	vol	NOUN
gp-256	112	32	.	.	PROPN
gp-256	113	1	4	4	NUM
gp-256	113	2	no	no	NOUN
gp-256	113	3	.	.	NOUN
gp-256	113	4	8	8	NUM
gp-256	113	5	agustus	agustus	NOUN
gp-256	113	6	2025	2025	NUM
gp-256	113	7	1306	1306	NUM
gp-256	113	8	techniques	technique	NOUN
gp-256	113	9	between	between	ADP
gp-256	113	10	data	datum	NOUN
gp-256	113	11	sources	source	NOUN
gp-256	113	12	to	to	PART
gp-256	113	13	ensure	ensure	VERB
gp-256	113	14	the	the	DET
gp-256	113	15	validity	validity	NOUN
gp-256	113	16	and	and	CCONJ
gp-256	113	17	consistency	consistency	NOUN
gp-256	113	18	of	of	ADP
gp-256	113	19	findings	finding	NOUN
gp-256	113	20	in	in	ADP
gp-256	113	21	answering	answer	VERB
gp-256	113	22	the	the	DET
gp-256	113	23	formulation	formulation	NOUN
gp-256	113	24	of	of	ADP
gp-256	113	25	research	research	NOUN
gp-256	113	26	problems	problem	NOUN
gp-256	113	27	.	.	PUNCT
gp-256	114	1	triangulation	triangulation	NOUN
gp-256	114	2	in	in	ADP
gp-256	114	3	this	this	DET
gp-256	114	4	study	study	NOUN
gp-256	114	5	was	be	AUX
gp-256	114	6	carried	carry	VERB
gp-256	114	7	out	out	ADP
gp-256	114	8	by	by	ADP
gp-256	114	9	comparing	compare	VERB
gp-256	114	10	the	the	DET
gp-256	114	11	perceptions	perception	NOUN
gp-256	114	12	of	of	ADP
gp-256	114	13	five	five	NUM
gp-256	114	14	groups	group	NOUN
gp-256	114	15	of	of	ADP
gp-256	114	16	resource	resource	NOUN
gp-256	114	17	persons	person	NOUN
gp-256	114	18	from	from	ADP
gp-256	114	19	various	various	ADJ
gp-256	114	20	backgrounds	background	NOUN
gp-256	114	21	.	.	PUNCT
gp-256	115	1	by	by	ADP
gp-256	115	2	conducting	conduct	VERB
gp-256	115	3	this	this	DET
gp-256	115	4	cross	cross	ADJ
gp-256	115	5	-	-	ADJ
gp-256	115	6	source	source	ADJ
gp-256	115	7	comparison	comparison	NOUN
gp-256	115	8	,	,	PUNCT
gp-256	115	9	researchers	researcher	NOUN
gp-256	115	10	can	can	AUX
gp-256	115	11	identify	identify	VERB
gp-256	115	12	common	common	ADJ
gp-256	115	13	points	point	NOUN
gp-256	115	14	,	,	PUNCT
gp-256	115	15	differences	difference	NOUN
gp-256	115	16	in	in	ADP
gp-256	115	17	viewpoints	viewpoint	NOUN
gp-256	115	18	,	,	PUNCT
gp-256	115	19	and	and	CCONJ
gp-256	115	20	potential	potential	ADJ
gp-256	115	21	biases	bias	NOUN
gp-256	115	22	or	or	CCONJ
gp-256	115	23	information	information	NOUN
gp-256	115	24	gaps	gap	NOUN
gp-256	115	25	between	between	ADP
gp-256	115	26	sources	source	NOUN
gp-256	115	27	involved	involve	VERB
gp-256	115	28	in	in	ADP
gp-256	115	29	the	the	DET
gp-256	115	30	multipurpose	multipurpose	NOUN
gp-256	115	31	credit	credit	NOUN
gp-256	115	32	channelling	channelling	NOUN
gp-256	115	33	collaboration	collaboration	NOUN
gp-256	115	34	ecosystem	ecosystem	NOUN
gp-256	115	35	.	.	PUNCT
gp-256	116	1	this	this	PRON
gp-256	116	2	validates	validate	VERB
gp-256	116	3	the	the	DET
gp-256	116	4	findings	finding	NOUN
gp-256	116	5	that	that	PRON
gp-256	116	6	have	have	AUX
gp-256	116	7	previously	previously	ADV
gp-256	116	8	been	be	AUX
gp-256	116	9	categorized	categorize	VERB
gp-256	116	10	into	into	ADP
gp-256	116	11	five	five	NUM
gp-256	116	12	main	main	ADJ
gp-256	116	13	themes	theme	NOUN
gp-256	116	14	,	,	PUNCT
gp-256	116	15	each	each	DET
gp-256	116	16	theme	theme	NOUN
gp-256	116	17	being	be	AUX
gp-256	116	18	re	re	VERB
gp-256	116	19	-	-	VERB
gp-256	116	20	analyzed	analyze	VERB
gp-256	116	21	to	to	PART
gp-256	116	22	see	see	VERB
gp-256	116	23	the	the	DET
gp-256	116	24	convergence	convergence	NOUN
gp-256	116	25	and	and	CCONJ
gp-256	116	26	divergence	divergence	NOUN
gp-256	116	27	between	between	ADP
gp-256	116	28	the	the	DET
gp-256	116	29	speakers	speaker	NOUN
gp-256	116	30	.	.	PUNCT
gp-256	117	1	table	table	NOUN
gp-256	117	2	3	3	NUM
gp-256	117	3	.	.	X
gp-256	117	4	triangulation	triangulation	NOUN
gp-256	117	5	table	table	NOUN
gp-256	117	6	theme	theme	NOUN
gp-256	117	7	number	number	NOUN
gp-256	117	8	of	of	ADP
gp-256	117	9	quotes	quote	NOUN
gp-256	117	10	sources	source	NOUN
gp-256	117	11	dominant	dominant	ADJ
gp-256	117	12	dominant	dominant	ADJ
gp-256	117	13	keywords	keyword	NOUN
gp-256	117	14	convergence	convergence	VERB
gp-256	117	15	divergence	divergence	NOUN
gp-256	117	16	collaboration	collaboration	NOUN
gp-256	117	17	strategy	strategy	NOUN
gp-256	117	18	37	37	NUM
gp-256	117	19	bank	bank	NOUN
gp-256	117	20	(	(	PUNCT
gp-256	117	21	it	it	PRON
gp-256	117	22	,	,	PUNCT
gp-256	117	23	credit	credit	NOUN
gp-256	117	24	)	)	PUNCT
gp-256	117	25	,	,	PUNCT
gp-256	117	26	p2p	p2p	NOUN
gp-256	117	27	ceo	ceo	NOUN
gp-256	117	28	cooperation	cooperation	NOUN
gp-256	117	29	,	,	PUNCT
gp-256	117	30	channelling	channelling	NOUN
gp-256	117	31	,	,	PUNCT
gp-256	117	32	roadmap	roadmap	NOUN
gp-256	117	33	all	all	DET
gp-256	117	34	actors	actor	NOUN
gp-256	117	35	agreed	agree	VERB
gp-256	117	36	that	that	SCONJ
gp-256	117	37	collaboration	collaboration	NOUN
gp-256	117	38	is	be	AUX
gp-256	117	39	a	a	DET
gp-256	117	40	medium	medium	ADJ
gp-256	117	41	-	-	PUNCT
gp-256	117	42	long	long	ADJ
gp-256	117	43	term	term	NOUN
gp-256	117	44	agenda	agenda	NOUN
gp-256	117	45	bank	bank	NOUN
gp-256	117	46	focus	focus	VERB
gp-256	117	47	on	on	ADP
gp-256	117	48	prudence	prudence	NOUN
gp-256	117	49	,	,	PUNCT
gp-256	117	50	p2p	p2p	NOUN
gp-256	117	51	focus	focus	VERB
gp-256	117	52	on	on	ADP
gp-256	117	53	fund	fund	NOUN
gp-256	117	54	access	access	NOUN
gp-256	117	55	effectiveness	effectiveness	NOUN
gp-256	117	56	of	of	ADP
gp-256	117	57	the	the	DET
gp-256	117	58	channelling	channelling	NOUN
gp-256	117	59	model	model	NOUN
gp-256	117	60	13	13	NUM
gp-256	117	61	borrower	borrower	NOUN
gp-256	117	62	,	,	PUNCT
gp-256	117	63	credit	credit	NOUN
gp-256	117	64	ritel	ritel	VERB
gp-256	117	65	sla	sla	PROPN
gp-256	117	66	,	,	PUNCT
gp-256	117	67	cepat	cepat	PROPN
gp-256	117	68	,	,	PUNCT
gp-256	117	69	seamless	seamless	ADV
gp-256	117	70	improved	improve	VERB
gp-256	117	71	sla	sla	NOUN
gp-256	117	72	and	and	CCONJ
gp-256	117	73	efficiency	efficiency	NOUN
gp-256	117	74	are	be	AUX
gp-256	117	75	recognized	recognize	VERB
gp-256	117	76	by	by	ADP
gp-256	117	77	all	all	DET
gp-256	117	78	parties	party	NOUN
gp-256	117	79	borrowers	borrower	NOUN
gp-256	117	80	want	want	VERB
gp-256	117	81	more	more	ADJ
gp-256	117	82	simplification	simplification	NOUN
gp-256	117	83	,	,	PUNCT
gp-256	117	84	banks	bank	NOUN
gp-256	117	85	maintain	maintain	VERB
gp-256	117	86	internal	internal	ADJ
gp-256	117	87	control	control	NOUN
gp-256	117	88	technology	technology	NOUN
gp-256	117	89	integration	integration	NOUN
gp-256	117	90	79	79	NUM
gp-256	117	91	it	it	PRON
gp-256	117	92	bank	bank	NOUN
gp-256	117	93	,	,	PUNCT
gp-256	117	94	p2p	p2p	NOUN
gp-256	117	95	technology	technology	NOUN
gp-256	117	96	api	api	NOUN
gp-256	117	97	,	,	PUNCT
gp-256	117	98	backend	backend	NOUN
gp-256	117	99	,	,	PUNCT
gp-256	117	100	system	system	NOUN
gp-256	117	101	recognize	recognize	VERB
gp-256	117	102	the	the	DET
gp-256	117	103	importance	importance	NOUN
gp-256	117	104	of	of	ADP
gp-256	117	105	api	api	NOUN
gp-256	117	106	integration	integration	NOUN
gp-256	117	107	challenge	challenge	NOUN
gp-256	117	108	:	:	PUNCT
gp-256	117	109	security	security	NOUN
gp-256	117	110	&	&	CCONJ
gp-256	117	111	rigidity	rigidity	NOUN
gp-256	117	112	of	of	ADP
gp-256	117	113	the	the	DET
gp-256	117	114	bank	bank	NOUN
gp-256	117	115	system	system	NOUN
gp-256	117	116	internal	internal	ADJ
gp-256	117	117	&	&	CCONJ
gp-256	117	118	external	external	ADJ
gp-256	117	119	factors	factor	NOUN
gp-256	117	120	29	29	NUM
gp-256	117	121	ojk	ojk	NOUN
gp-256	117	122	,	,	PUNCT
gp-256	117	123	risk	risk	NOUN
gp-256	117	124	bank	bank	NOUN
gp-256	117	125	,	,	PUNCT
gp-256	117	126	management	management	NOUN
gp-256	117	127	regulations	regulation	NOUN
gp-256	117	128	,	,	PUNCT
gp-256	117	129	sops	sop	NOUN
gp-256	117	130	,	,	PUNCT
gp-256	117	131	hr	hr	NOUN
gp-256	117	132	proactive	proactive	ADJ
gp-256	117	133	regulators	regulator	NOUN
gp-256	117	134	,	,	PUNCT
gp-256	117	135	banks	bank	NOUN
gp-256	117	136	are	be	AUX
gp-256	117	137	aware	aware	ADJ
gp-256	117	138	of	of	ADP
gp-256	117	139	the	the	DET
gp-256	117	140	need	need	NOUN
gp-256	117	141	for	for	SCONJ
gp-256	117	142	human	human	ADJ
gp-256	117	143	resources	resource	NOUN
gp-256	117	144	to	to	PART
gp-256	117	145	adapt	adapt	VERB
gp-256	117	146	organizational	organizational	ADJ
gp-256	117	147	capacity	capacity	NOUN
gp-256	117	148	and	and	CCONJ
gp-256	117	149	culture	culture	NOUN
gp-256	117	150	gaps	gap	VERB
gp-256	117	151	risks	risk	NOUN
gp-256	117	152	and	and	CCONJ
gp-256	117	153	mitigations	mitigation	NOUN
gp-256	117	154	240	240	NUM
gp-256	117	155	p2p	p2p	NOUN
gp-256	117	156	risk	risk	NOUN
gp-256	117	157	,	,	PUNCT
gp-256	117	158	bank	bank	NOUN
gp-256	117	159	risk	risk	NOUN
gp-256	117	160	risk	risk	NOUN
gp-256	117	161	,	,	PUNCT
gp-256	117	162	fraud	fraud	NOUN
gp-256	117	163	,	,	PUNCT
gp-256	117	164	control	control	NOUN
gp-256	117	165	,	,	PUNCT
gp-256	117	166	validation	validation	NOUN
gp-256	117	167	all	all	DET
gp-256	117	168	parties	party	NOUN
gp-256	117	169	agree	agree	VERB
gp-256	117	170	on	on	ADP
gp-256	117	171	top	top	ADJ
gp-256	117	172	priority	priority	NOUN
gp-256	117	173	risks	risk	NOUN
gp-256	117	174	different	different	ADJ
gp-256	117	175	mitigation	mitigation	NOUN
gp-256	117	176	styles	style	NOUN
gp-256	117	177	:	:	PUNCT
gp-256	117	178	digital	digital	ADJ
gp-256	117	179	p2p	p2p	NOUN
gp-256	117	180	;	;	PUNCT
gp-256	117	181	structural	structural	ADJ
gp-256	117	182	banks	bank	NOUN
gp-256	117	183	theme	theme	VERB
gp-256	117	184	1	1	NUM
gp-256	117	185	:	:	PUNCT
gp-256	117	186	collaboration	collaboration	NOUN
gp-256	117	187	strategy	strategy	NOUN
gp-256	117	188	the	the	DET
gp-256	117	189	bank	bank	NOUN
gp-256	117	190	considers	consider	VERB
gp-256	117	191	collaboration	collaboration	NOUN
gp-256	117	192	with	with	ADP
gp-256	117	193	p2p	p2p	NOUN
gp-256	117	194	lending	lending	NOUN
gp-256	117	195	as	as	ADP
gp-256	117	196	part	part	NOUN
gp-256	117	197	of	of	ADP
gp-256	117	198	the	the	DET
gp-256	117	199	medium	medium	ADJ
gp-256	117	200	-	-	PUNCT
gp-256	117	201	term	term	NOUN
gp-256	117	202	strategy	strategy	NOUN
gp-256	117	203	contained	contain	VERB
gp-256	117	204	in	in	ADP
gp-256	117	205	the	the	DET
gp-256	117	206	digitalization	digitalization	NOUN
gp-256	117	207	roadmap	roadmap	NOUN
gp-256	117	208	.	.	PUNCT
gp-256	118	1	the	the	DET
gp-256	118	2	it	it	PRON
gp-256	118	3	and	and	CCONJ
gp-256	118	4	credit	credit	NOUN
gp-256	118	5	division	division	NOUN
gp-256	118	6	emphasizes	emphasize	VERB
gp-256	118	7	the	the	DET
gp-256	118	8	importance	importance	NOUN
gp-256	118	9	of	of	ADP
gp-256	118	10	system	system	NOUN
gp-256	118	11	integration	integration	NOUN
gp-256	118	12	and	and	CCONJ
gp-256	118	13	risk	risk	NOUN
gp-256	118	14	control	control	NOUN
gp-256	118	15	.	.	PUNCT
gp-256	119	1	the	the	DET
gp-256	119	2	ceo	ceo	NOUN
gp-256	119	3	of	of	ADP
gp-256	119	4	p2p	p2p	NOUN
gp-256	119	5	lending	lending	NOUN
gp-256	119	6	sees	see	VERB
gp-256	119	7	this	this	DET
gp-256	119	8	collaboration	collaboration	NOUN
gp-256	119	9	as	as	ADP
gp-256	119	10	access	access	NOUN
gp-256	119	11	to	to	ADP
gp-256	119	12	funding	funding	NOUN
gp-256	119	13	and	and	CCONJ
gp-256	119	14	segment	segment	NOUN
gp-256	119	15	expansion	expansion	NOUN
gp-256	119	16	.	.	PUNCT
gp-256	120	1	the	the	DET
gp-256	120	2	regulator	regulator	NOUN
gp-256	120	3	(	(	PUNCT
gp-256	120	4	ojk	ojk	NOUN
gp-256	120	5	)	)	PUNCT
gp-256	120	6	supports	support	VERB
gp-256	120	7	it	it	PRON
gp-256	120	8	as	as	ADV
gp-256	120	9	long	long	ADV
gp-256	120	10	as	as	SCONJ
gp-256	120	11	it	it	PRON
gp-256	120	12	is	be	AUX
gp-256	120	13	in	in	ADP
gp-256	120	14	accordance	accordance	NOUN
gp-256	120	15	with	with	ADP
gp-256	120	16	pojk	pojk	PROPN
gp-256	120	17	and	and	CCONJ
gp-256	120	18	the	the	DET
gp-256	120	19	principle	principle	NOUN
gp-256	120	20	of	of	ADP
gp-256	120	21	prudence	prudence	NOUN
gp-256	120	22	.	.	PUNCT
gp-256	121	1	triangulative	triangulative	ADJ
gp-256	121	2	conclusion	conclusion	NOUN
gp-256	121	3	:	:	PUNCT
gp-256	121	4	all	all	DET
gp-256	121	5	parties	party	NOUN
gp-256	121	6	agree	agree	VERB
gp-256	121	7	that	that	SCONJ
gp-256	121	8	this	this	DET
gp-256	121	9	collaboration	collaboration	NOUN
gp-256	121	10	is	be	AUX
gp-256	121	11	strategic	strategic	ADJ
gp-256	121	12	,	,	PUNCT
gp-256	121	13	even	even	ADV
gp-256	121	14	though	though	SCONJ
gp-256	121	15	the	the	DET
gp-256	121	16	focus	focus	NOUN
gp-256	121	17	and	and	CCONJ
gp-256	121	18	motivation	motivation	NOUN
gp-256	121	19	are	be	AUX
gp-256	121	20	different	different	ADJ
gp-256	121	21	.	.	PUNCT
gp-256	122	1	theme	theme	NOUN
gp-256	122	2	2	2	NUM
gp-256	122	3	:	:	PUNCT
gp-256	122	4	effectiveness	effectiveness	NOUN
gp-256	122	5	of	of	ADP
gp-256	122	6	the	the	DET
gp-256	122	7	channelling	channelling	NOUN
gp-256	122	8	model	model	NOUN
gp-256	122	9	borrowers	borrower	NOUN
gp-256	122	10	consider	consider	VERB
gp-256	122	11	the	the	DET
gp-256	122	12	channelling	channelling	NOUN
gp-256	122	13	model	model	NOUN
gp-256	122	14	to	to	PART
gp-256	122	15	speed	speed	VERB
gp-256	122	16	up	up	ADP
gp-256	122	17	the	the	DET
gp-256	122	18	process	process	NOUN
gp-256	122	19	and	and	CCONJ
gp-256	122	20	convenient	convenient	ADJ
gp-256	122	21	.	.	PUNCT
gp-256	123	1	the	the	DET
gp-256	123	2	bank	bank	NOUN
gp-256	123	3	stated	state	VERB
gp-256	123	4	that	that	SCONJ
gp-256	123	5	the	the	DET
gp-256	123	6	sla	sla	PROPN
gp-256	123	7	increased	increase	VERB
gp-256	123	8	,	,	PUNCT
gp-256	123	9	but	but	CCONJ
gp-256	123	10	still	still	ADV
gp-256	123	11	maintained	maintain	VERB
gp-256	123	12	the	the	DET
gp-256	123	13	internal	internal	ADJ
gp-256	123	14	underwriting	underwriting	NOUN
gp-256	123	15	process	process	NOUN
gp-256	123	16	.	.	PUNCT
gp-256	124	1	p2p	p2p	NOUN
gp-256	124	2	lending	lending	NOUN
gp-256	124	3	considers	consider	VERB
gp-256	124	4	their	their	PRON
gp-256	124	5	pre	pre	ADJ
gp-256	124	6	-	-	ADJ
gp-256	124	7	screening	screen	VERB
gp-256	124	8	efficient	efficient	ADJ
gp-256	124	9	.	.	PUNCT
gp-256	125	1	conclusion	conclusion	NOUN
gp-256	125	2	:	:	PUNCT
gp-256	125	3	although	although	SCONJ
gp-256	125	4	the	the	DET
gp-256	125	5	approaches	approach	NOUN
gp-256	125	6	are	be	AUX
gp-256	125	7	different	different	ADJ
gp-256	125	8	,	,	PUNCT
gp-256	125	9	all	all	DET
gp-256	125	10	parties	party	NOUN
gp-256	125	11	agree	agree	VERB
gp-256	125	12	that	that	SCONJ
gp-256	125	13	this	this	DET
gp-256	125	14	model	model	NOUN
gp-256	125	15	accelerates	accelerate	VERB
gp-256	125	16	access	access	NOUN
gp-256	125	17	to	to	ADP
gp-256	125	18	credit	credit	NOUN
gp-256	125	19	without	without	ADP
gp-256	125	20	compromising	compromise	VERB
gp-256	125	21	quality	quality	NOUN
gp-256	125	22	.	.	PUNCT
gp-256	126	1	theme	theme	NOUN
gp-256	126	2	3	3	NUM
gp-256	126	3	:	:	PUNCT
gp-256	126	4	information	information	NOUN
gp-256	126	5	technology	technology	NOUN
gp-256	126	6	integration	integration	NOUN
gp-256	126	7	p2p	p2p	NOUN
gp-256	126	8	lending	lending	NOUN
gp-256	126	9	said	say	VERB
gp-256	126	10	that	that	SCONJ
gp-256	126	11	api	api	NOUN
gp-256	126	12	integration	integration	NOUN
gp-256	126	13	is	be	AUX
gp-256	126	14	already	already	ADV
gp-256	126	15	running	run	VERB
gp-256	126	16	but	but	CCONJ
gp-256	126	17	not	not	PART
gp-256	126	18	optimal	optimal	ADJ
gp-256	126	19	,	,	PUNCT
gp-256	126	20	especially	especially	ADV
gp-256	126	21	realtime	realtime	ADJ
gp-256	126	22	synchronization	synchronization	NOUN
gp-256	126	23	.	.	PUNCT
gp-256	127	1	the	the	DET
gp-256	127	2	bank	bank	NOUN
gp-256	127	3	's	's	PART
gp-256	127	4	it	it	PRON
gp-256	127	5	division	division	NOUN
gp-256	127	6	highlighted	highlight	VERB
gp-256	127	7	the	the	DET
gp-256	127	8	rigidity	rigidity	NOUN
gp-256	127	9	of	of	ADP
gp-256	127	10	internal	internal	ADJ
gp-256	127	11	systems	system	NOUN
gp-256	127	12	that	that	PRON
gp-256	127	13	american	american	PROPN
gp-256	127	14	journal	journal	PROPN
gp-256	127	15	of	of	ADP
gp-256	127	16	economic	economic	ADJ
gp-256	127	17	and	and	CCONJ
gp-256	127	18	management	management	NOUN
gp-256	127	19	business	business	NOUN
gp-256	127	20	vol	vol	NOUN
gp-256	127	21	.	.	PROPN
gp-256	128	1	4	4	NUM
gp-256	128	2	no	no	NOUN
gp-256	128	3	.	.	NOUN
gp-256	128	4	8	8	NUM
gp-256	128	5	agustus	agustus	NOUN
gp-256	128	6	2025	2025	NUM
gp-256	128	7	1307	1307	NUM
gp-256	128	8	must	must	AUX
gp-256	128	9	comply	comply	VERB
gp-256	128	10	with	with	ADP
gp-256	128	11	regulations	regulation	NOUN
gp-256	128	12	and	and	CCONJ
gp-256	128	13	data	datum	NOUN
gp-256	128	14	security	security	NOUN
gp-256	128	15	.	.	PUNCT
gp-256	129	1	borrowers	borrower	NOUN
gp-256	129	2	feel	feel	VERB
gp-256	129	3	that	that	SCONJ
gp-256	129	4	the	the	DET
gp-256	129	5	interface	interface	NOUN
gp-256	129	6	is	be	AUX
gp-256	129	7	getting	get	VERB
gp-256	129	8	easier	easy	ADJ
gp-256	129	9	.	.	PUNCT
gp-256	130	1	triangulative	triangulative	ADJ
gp-256	130	2	conclusion	conclusion	NOUN
gp-256	130	3	:	:	PUNCT
gp-256	130	4	it	it	PRON
gp-256	130	5	integration	integration	NOUN
gp-256	130	6	is	be	AUX
gp-256	130	7	key	key	ADJ
gp-256	130	8	to	to	ADP
gp-256	130	9	successful	successful	ADJ
gp-256	130	10	collaboration	collaboration	NOUN
gp-256	130	11	,	,	PUNCT
gp-256	130	12	but	but	CCONJ
gp-256	130	13	there	there	PRON
gp-256	130	14	are	be	VERB
gp-256	130	15	still	still	ADV
gp-256	130	16	structural	structural	ADJ
gp-256	130	17	and	and	CCONJ
gp-256	130	18	operational	operational	ADJ
gp-256	130	19	challenges	challenge	NOUN
gp-256	130	20	.	.	PUNCT
gp-256	131	1	theme	theme	NOUN
gp-256	131	2	4	4	NUM
gp-256	131	3	:	:	PUNCT
gp-256	131	4	internal	internal	ADJ
gp-256	131	5	and	and	CCONJ
gp-256	131	6	external	external	ADJ
gp-256	131	7	factors	factor	NOUN
gp-256	131	8	pojk	pojk	NOUN
gp-256	131	9	regulations	regulation	NOUN
gp-256	131	10	are	be	AUX
gp-256	131	11	an	an	DET
gp-256	131	12	external	external	ADJ
gp-256	131	13	factor	factor	NOUN
gp-256	131	14	supporting	support	VERB
gp-256	131	15	collaboration	collaboration	NOUN
gp-256	131	16	.	.	PUNCT
gp-256	132	1	however	however	ADV
gp-256	132	2	,	,	PUNCT
gp-256	132	3	the	the	DET
gp-256	132	4	bank	bank	NOUN
gp-256	132	5	's	's	PART
gp-256	132	6	internal	internal	ADJ
gp-256	132	7	system	system	NOUN
gp-256	132	8	is	be	AUX
gp-256	132	9	still	still	ADV
gp-256	132	10	constrained	constrain	VERB
gp-256	132	11	by	by	ADP
gp-256	132	12	human	human	ADJ
gp-256	132	13	resource	resource	NOUN
gp-256	132	14	readiness	readiness	NOUN
gp-256	132	15	and	and	CCONJ
gp-256	132	16	work	work	NOUN
gp-256	132	17	culture	culture	NOUN
gp-256	132	18	.	.	PUNCT
gp-256	133	1	the	the	DET
gp-256	133	2	risk	risk	NOUN
gp-256	133	3	division	division	NOUN
gp-256	133	4	emphasized	emphasize	VERB
gp-256	133	5	the	the	DET
gp-256	133	6	need	need	NOUN
gp-256	133	7	to	to	PART
gp-256	133	8	increase	increase	VERB
gp-256	133	9	the	the	DET
gp-256	133	10	capacity	capacity	NOUN
gp-256	133	11	of	of	ADP
gp-256	133	12	the	the	DET
gp-256	133	13	team	team	NOUN
gp-256	133	14	to	to	PART
gp-256	133	15	be	be	AUX
gp-256	133	16	ready	ready	ADJ
gp-256	133	17	to	to	PART
gp-256	133	18	work	work	VERB
gp-256	133	19	in	in	ADP
gp-256	133	20	a	a	DET
gp-256	133	21	hybrid	hybrid	ADJ
gp-256	133	22	system	system	NOUN
gp-256	133	23	.	.	PUNCT
gp-256	134	1	conclusion	conclusion	NOUN
gp-256	134	2	:	:	PUNCT
gp-256	134	3	the	the	DET
gp-256	134	4	main	main	ADJ
gp-256	134	5	obstacle	obstacle	NOUN
gp-256	134	6	is	be	AUX
gp-256	134	7	not	not	PART
gp-256	134	8	regulation	regulation	NOUN
gp-256	134	9	,	,	PUNCT
gp-256	134	10	but	but	CCONJ
gp-256	134	11	internal	internal	ADJ
gp-256	134	12	readiness	readiness	NOUN
gp-256	134	13	to	to	PART
gp-256	134	14	carry	carry	VERB
gp-256	134	15	out	out	ADP
gp-256	134	16	collaboration	collaboration	NOUN
gp-256	134	17	in	in	ADP
gp-256	134	18	a	a	DET
gp-256	134	19	sustainable	sustainable	ADJ
gp-256	134	20	manner	manner	NOUN
gp-256	134	21	.	.	PUNCT
gp-256	135	1	theme	theme	NOUN
gp-256	135	2	5	5	NUM
gp-256	135	3	:	:	PUNCT
gp-256	135	4	risk	risk	NOUN
gp-256	135	5	and	and	CCONJ
gp-256	135	6	mitigation	mitigation	NOUN
gp-256	135	7	banks	bank	NOUN
gp-256	135	8	and	and	CCONJ
gp-256	135	9	p2p	p2p	NOUN
gp-256	135	10	lending	lend	VERB
gp-256	135	11	both	both	PRON
gp-256	135	12	prioritize	prioritize	VERB
gp-256	135	13	risk	risk	NOUN
gp-256	135	14	mitigation	mitigation	NOUN
gp-256	135	15	.	.	PUNCT
gp-256	136	1	p2p	p2p	NOUN
gp-256	136	2	uses	use	VERB
gp-256	136	3	digital	digital	ADJ
gp-256	136	4	screening	screening	NOUN
gp-256	136	5	,	,	PUNCT
gp-256	136	6	multilayered	multilayered	ADJ
gp-256	136	7	verification	verification	NOUN
gp-256	136	8	,	,	PUNCT
gp-256	136	9	and	and	CCONJ
gp-256	136	10	early	early	ADJ
gp-256	136	11	collection	collection	NOUN
gp-256	136	12	.	.	PUNCT
gp-256	137	1	the	the	DET
gp-256	137	2	bank	bank	NOUN
gp-256	137	3	focuses	focus	VERB
gp-256	137	4	on	on	ADP
gp-256	137	5	early	early	ADJ
gp-256	137	6	warning	warning	NOUN
gp-256	137	7	systems	system	NOUN
gp-256	137	8	and	and	CCONJ
gp-256	137	9	portfolio	portfolio	NOUN
gp-256	137	10	evaluation	evaluation	NOUN
gp-256	137	11	.	.	PUNCT
gp-256	138	1	regulators	regulator	NOUN
gp-256	138	2	require	require	VERB
gp-256	138	3	comprehensive	comprehensive	ADJ
gp-256	138	4	risk	risk	NOUN
gp-256	138	5	management	management	NOUN
gp-256	138	6	on	on	ADP
gp-256	138	7	both	both	DET
gp-256	138	8	sides	side	NOUN
gp-256	138	9	.	.	PUNCT
gp-256	139	1	triangulative	triangulative	ADJ
gp-256	139	2	conclusion	conclusion	NOUN
gp-256	139	3	:	:	PUNCT
gp-256	139	4	risk	risk	NOUN
gp-256	139	5	is	be	AUX
gp-256	139	6	considered	consider	VERB
gp-256	139	7	a	a	DET
gp-256	139	8	key	key	ADJ
gp-256	139	9	issue	issue	NOUN
gp-256	139	10	addressed	address	VERB
gp-256	139	11	together	together	ADV
gp-256	139	12	with	with	ADP
gp-256	139	13	a	a	DET
gp-256	139	14	complementary	complementary	ADJ
gp-256	139	15	approach	approach	NOUN
gp-256	139	16	.	.	PUNCT
gp-256	140	1	a	a	DET
gp-256	140	2	general	general	ADJ
gp-256	140	3	pattern	pattern	NOUN
gp-256	140	4	that	that	PRON
gp-256	140	5	can	can	AUX
gp-256	140	6	be	be	AUX
gp-256	140	7	drawn	draw	VERB
gp-256	140	8	from	from	ADP
gp-256	140	9	the	the	DET
gp-256	140	10	results	result	NOUN
gp-256	140	11	of	of	ADP
gp-256	140	12	triangulation	triangulation	NOUN
gp-256	140	13	is	be	AUX
gp-256	140	14	the	the	DET
gp-256	140	15	consensus	consensus	NOUN
gp-256	140	16	between	between	ADP
gp-256	140	17	resource	resource	NOUN
gp-256	140	18	persons	person	NOUN
gp-256	140	19	on	on	ADP
gp-256	140	20	the	the	DET
gp-256	140	21	importance	importance	NOUN
gp-256	140	22	of	of	ADP
gp-256	140	23	strategic	strategic	ADJ
gp-256	140	24	collaboration	collaboration	NOUN
gp-256	140	25	,	,	PUNCT
gp-256	140	26	service	service	NOUN
gp-256	140	27	process	process	NOUN
gp-256	140	28	efficiency	efficiency	NOUN
gp-256	140	29	,	,	PUNCT
gp-256	140	30	and	and	CCONJ
gp-256	140	31	the	the	DET
gp-256	140	32	need	need	NOUN
gp-256	140	33	for	for	ADP
gp-256	140	34	digital	digital	ADJ
gp-256	140	35	integration	integration	NOUN
gp-256	140	36	and	and	CCONJ
gp-256	140	37	risk	risk	NOUN
gp-256	140	38	mitigation	mitigation	NOUN
gp-256	140	39	.	.	PUNCT
gp-256	141	1	all	all	DET
gp-256	141	2	the	the	DET
gp-256	141	3	speakers	speaker	NOUN
gp-256	141	4	acknowledged	acknowledge	VERB
gp-256	141	5	that	that	SCONJ
gp-256	141	6	the	the	DET
gp-256	141	7	channelling	channelling	NOUN
gp-256	141	8	model	model	NOUN
gp-256	141	9	is	be	AUX
gp-256	141	10	the	the	DET
gp-256	141	11	answer	answer	NOUN
gp-256	141	12	to	to	ADP
gp-256	141	13	the	the	DET
gp-256	141	14	need	need	NOUN
gp-256	141	15	for	for	ADP
gp-256	141	16	fast	fast	ADJ
gp-256	141	17	credit	credit	NOUN
gp-256	141	18	services	service	NOUN
gp-256	141	19	,	,	PUNCT
gp-256	141	20	wide	wide	ADJ
gp-256	141	21	coverage	coverage	NOUN
gp-256	141	22	,	,	PUNCT
gp-256	141	23	but	but	CCONJ
gp-256	141	24	still	still	ADV
gp-256	141	25	under	under	ADP
gp-256	141	26	prudent	prudent	ADJ
gp-256	141	27	control	control	NOUN
gp-256	141	28	.	.	PUNCT
gp-256	142	1	however	however	ADV
gp-256	142	2	,	,	PUNCT
gp-256	142	3	there	there	PRON
gp-256	142	4	are	be	VERB
gp-256	142	5	some	some	DET
gp-256	142	6	different	different	ADJ
gp-256	142	7	points	point	NOUN
gp-256	142	8	of	of	ADP
gp-256	142	9	view	view	NOUN
gp-256	142	10	,	,	PUNCT
gp-256	142	11	including	include	VERB
gp-256	142	12	:	:	PUNCT
gp-256	142	13	1	1	X
gp-256	142	14	.	.	X
gp-256	142	15	banks	bank	NOUN
gp-256	142	16	emphasize	emphasize	VERB
gp-256	142	17	more	more	ADJ
gp-256	142	18	control	control	NOUN
gp-256	142	19	and	and	CCONJ
gp-256	142	20	structure	structure	NOUN
gp-256	142	21	,	,	PUNCT
gp-256	142	22	while	while	SCONJ
gp-256	142	23	p2p	p2p	NOUN
gp-256	142	24	prioritizes	prioritize	VERB
gp-256	142	25	flexibility	flexibility	NOUN
gp-256	142	26	and	and	CCONJ
gp-256	142	27	speed	speed	NOUN
gp-256	142	28	of	of	ADP
gp-256	142	29	execution	execution	NOUN
gp-256	142	30	.	.	PUNCT
gp-256	143	1	2	2	X
gp-256	143	2	.	.	X
gp-256	143	3	regulations	regulation	NOUN
gp-256	143	4	are	be	AUX
gp-256	143	5	considered	consider	VERB
gp-256	143	6	quite	quite	ADV
gp-256	143	7	supportive	supportive	ADJ
gp-256	143	8	,	,	PUNCT
gp-256	143	9	but	but	CCONJ
gp-256	143	10	the	the	DET
gp-256	143	11	bank	bank	NOUN
gp-256	143	12	's	's	PART
gp-256	143	13	internal	internal	ADJ
gp-256	143	14	readiness	readiness	NOUN
gp-256	143	15	and	and	CCONJ
gp-256	143	16	technical	technical	ADJ
gp-256	143	17	competence	competence	NOUN
gp-256	143	18	are	be	AUX
gp-256	143	19	weak	weak	ADJ
gp-256	143	20	points	point	NOUN
gp-256	143	21	.	.	PUNCT
gp-256	144	1	3	3	X
gp-256	144	2	.	.	X
gp-256	144	3	borrowers	borrower	NOUN
gp-256	144	4	see	see	VERB
gp-256	144	5	immediate	immediate	ADJ
gp-256	144	6	benefits	benefit	NOUN
gp-256	144	7	in	in	ADP
gp-256	144	8	terms	term	NOUN
gp-256	144	9	of	of	ADP
gp-256	144	10	speed	speed	NOUN
gp-256	144	11	,	,	PUNCT
gp-256	144	12	but	but	CCONJ
gp-256	144	13	do	do	AUX
gp-256	144	14	not	not	PART
gp-256	144	15	necessarily	necessarily	ADV
gp-256	144	16	understand	understand	VERB
gp-256	144	17	the	the	DET
gp-256	144	18	position	position	NOUN
gp-256	144	19	of	of	ADP
gp-256	144	20	banks	bank	NOUN
gp-256	144	21	and	and	CCONJ
gp-256	144	22	p2p	p2p	NOUN
gp-256	144	23	in	in	ADP
gp-256	144	24	depth	depth	NOUN
gp-256	144	25	.	.	PUNCT
gp-256	145	1	these	these	DET
gp-256	145	2	patterns	pattern	NOUN
gp-256	145	3	illustrate	illustrate	VERB
gp-256	145	4	that	that	SCONJ
gp-256	145	5	despite	despite	SCONJ
gp-256	145	6	the	the	DET
gp-256	145	7	differences	difference	NOUN
gp-256	145	8	in	in	ADP
gp-256	145	9	perspectives	perspective	NOUN
gp-256	145	10	,	,	PUNCT
gp-256	145	11	there	there	PRON
gp-256	145	12	is	be	VERB
gp-256	145	13	a	a	DET
gp-256	145	14	strategic	strategic	ADJ
gp-256	145	15	common	common	ADJ
gp-256	145	16	ground	ground	NOUN
gp-256	145	17	that	that	PRON
gp-256	145	18	can	can	AUX
gp-256	145	19	be	be	AUX
gp-256	145	20	used	use	VERB
gp-256	145	21	as	as	ADP
gp-256	145	22	a	a	DET
gp-256	145	23	basis	basis	NOUN
gp-256	145	24	for	for	ADP
gp-256	145	25	developing	develop	VERB
gp-256	145	26	a	a	DET
gp-256	145	27	more	more	ADV
gp-256	145	28	solid	solid	ADJ
gp-256	145	29	collaboration	collaboration	NOUN
gp-256	145	30	model	model	NOUN
gp-256	145	31	.	.	PUNCT
gp-256	146	1	interpretive	interpretive	ADJ
gp-256	146	2	conclusion	conclusion	NOUN
gp-256	146	3	the	the	DET
gp-256	146	4	results	result	NOUN
gp-256	146	5	of	of	ADP
gp-256	146	6	verification	verification	NOUN
gp-256	146	7	and	and	CCONJ
gp-256	146	8	triangulation	triangulation	NOUN
gp-256	146	9	show	show	VERB
gp-256	146	10	that	that	SCONJ
gp-256	146	11	collaboration	collaboration	NOUN
gp-256	146	12	between	between	ADP
gp-256	146	13	banks	bank	NOUN
gp-256	146	14	and	and	CCONJ
gp-256	146	15	p2p	p2p	NOUN
gp-256	146	16	lending	lend	VERB
gp-256	146	17	through	through	ADP
gp-256	146	18	the	the	DET
gp-256	146	19	channelling	channelling	NOUN
gp-256	146	20	business	business	NOUN
gp-256	146	21	model	model	NOUN
gp-256	146	22	has	have	AUX
gp-256	146	23	proven	prove	VERB
gp-256	146	24	to	to	PART
gp-256	146	25	have	have	VERB
gp-256	146	26	strong	strong	ADJ
gp-256	146	27	strategic	strategic	ADJ
gp-256	146	28	value	value	NOUN
gp-256	146	29	in	in	ADP
gp-256	146	30	optimizing	optimize	VERB
gp-256	146	31	multipurpose	multipurpose	NOUN
gp-256	146	32	credit	credit	NOUN
gp-256	146	33	distribution	distribution	NOUN
gp-256	146	34	.	.	PUNCT
gp-256	147	1	this	this	DET
gp-256	147	2	model	model	NOUN
gp-256	147	3	is	be	AUX
gp-256	147	4	able	able	ADJ
gp-256	147	5	to	to	PART
gp-256	147	6	answer	answer	VERB
gp-256	147	7	the	the	DET
gp-256	147	8	needs	need	NOUN
gp-256	147	9	of	of	ADP
gp-256	147	10	a	a	DET
gp-256	147	11	market	market	NOUN
gp-256	147	12	that	that	PRON
gp-256	147	13	wants	want	VERB
gp-256	147	14	speed	speed	NOUN
gp-256	147	15	,	,	PUNCT
gp-256	147	16	accessibility	accessibility	NOUN
gp-256	147	17	,	,	PUNCT
gp-256	147	18	and	and	CCONJ
gp-256	147	19	flexibility	flexibility	NOUN
gp-256	147	20	of	of	ADP
gp-256	147	21	financial	financial	ADJ
gp-256	147	22	services	service	NOUN
gp-256	147	23	,	,	PUNCT
gp-256	147	24	without	without	ADP
gp-256	147	25	ignoring	ignore	VERB
gp-256	147	26	the	the	DET
gp-256	147	27	prudential	prudential	ADJ
gp-256	147	28	principle	principle	NOUN
gp-256	147	29	that	that	PRON
gp-256	147	30	characterizes	characterize	VERB
gp-256	147	31	banking	banking	NOUN
gp-256	147	32	institutions	institution	NOUN
gp-256	147	33	.	.	PUNCT
gp-256	148	1	however	however	ADV
gp-256	148	2	,	,	PUNCT
gp-256	148	3	the	the	DET
gp-256	148	4	success	success	NOUN
gp-256	148	5	of	of	ADP
gp-256	148	6	this	this	DET
gp-256	148	7	model	model	NOUN
gp-256	148	8	relies	rely	VERB
gp-256	148	9	heavily	heavily	ADV
gp-256	148	10	on	on	ADP
gp-256	148	11	three	three	NUM
gp-256	148	12	key	key	ADJ
gp-256	148	13	factors	factor	NOUN
gp-256	148	14	:	:	PUNCT
gp-256	148	15	(	(	PUNCT
gp-256	148	16	1	1	X
gp-256	148	17	)	)	PUNCT
gp-256	148	18	effective	effective	ADJ
gp-256	148	19	and	and	CCONJ
gp-256	148	20	secure	secure	ADJ
gp-256	148	21	technology	technology	NOUN
gp-256	148	22	integration	integration	NOUN
gp-256	148	23	,	,	PUNCT
gp-256	148	24	(	(	PUNCT
gp-256	148	25	2	2	X
gp-256	148	26	)	)	PUNCT
gp-256	148	27	the	the	DET
gp-256	148	28	readiness	readiness	NOUN
gp-256	148	29	of	of	ADP
gp-256	148	30	internal	internal	ADJ
gp-256	148	31	organizations	organization	NOUN
gp-256	148	32	to	to	PART
gp-256	148	33	adapt	adapt	VERB
gp-256	148	34	to	to	ADP
gp-256	148	35	collaborative	collaborative	ADJ
gp-256	148	36	digital	digital	ADJ
gp-256	148	37	models	model	NOUN
gp-256	148	38	,	,	PUNCT
gp-256	148	39	and	and	CCONJ
gp-256	148	40	(	(	PUNCT
gp-256	148	41	3	3	X
gp-256	148	42	)	)	PUNCT
gp-256	148	43	the	the	DET
gp-256	148	44	implementation	implementation	NOUN
gp-256	148	45	of	of	ADP
gp-256	148	46	risk	risk	NOUN
gp-256	148	47	mitigation	mitigation	NOUN
gp-256	148	48	strategies	strategy	NOUN
gp-256	148	49	that	that	PRON
gp-256	148	50	are	be	AUX
gp-256	148	51	responsive	responsive	ADJ
gp-256	148	52	to	to	ADP
gp-256	148	53	digital	digital	ADJ
gp-256	148	54	market	market	NOUN
gp-256	148	55	dynamics	dynamic	NOUN
gp-256	148	56	.	.	PUNCT
gp-256	149	1	analyst	analyst	NOUN
gp-256	149	2	findings	finding	NOUN
gp-256	149	3	based	base	VERB
gp-256	149	4	on	on	ADP
gp-256	149	5	the	the	DET
gp-256	149	6	business	business	NOUN
gp-256	149	7	model	model	NOUN
gp-256	149	8	canvas	canvas	NOUN
gp-256	149	9	(	(	PUNCT
gp-256	149	10	bmc	bmc	NOUN
gp-256	149	11	)	)	PUNCT
gp-256	149	12	in	in	ADP
gp-256	149	13	the	the	DET
gp-256	149	14	descriptive	descriptive	ADJ
gp-256	149	15	qualitative	qualitative	ADJ
gp-256	149	16	research	research	NOUN
gp-256	149	17	approach	approach	NOUN
gp-256	149	18	,	,	PUNCT
gp-256	149	19	the	the	DET
gp-256	149	20	business	business	NOUN
gp-256	149	21	model	model	NOUN
gp-256	149	22	canvas	canvas	PROPN
gp-256	149	23	(	(	PUNCT
gp-256	149	24	bmc	bmc	NOUN
gp-256	149	25	)	)	PUNCT
gp-256	149	26	analysis	analysis	NOUN
gp-256	149	27	is	be	AUX
gp-256	149	28	used	use	VERB
gp-256	149	29	as	as	ADP
gp-256	149	30	a	a	DET
gp-256	149	31	categorization	categorization	NOUN
gp-256	149	32	framework	framework	NOUN
gp-256	149	33	to	to	PART
gp-256	149	34	interpret	interpret	VERB
gp-256	149	35	the	the	DET
gp-256	149	36	data	datum	NOUN
gp-256	149	37	that	that	PRON
gp-256	149	38	has	have	AUX
gp-256	149	39	been	be	AUX
gp-256	149	40	reduced	reduce	VERB
gp-256	149	41	from	from	ADP
gp-256	149	42	the	the	DET
gp-256	149	43	interview	interview	NOUN
gp-256	149	44	results	result	NOUN
gp-256	149	45	.	.	PUNCT
gp-256	150	1	through	through	ADP
gp-256	150	2	mapping	map	VERB
gp-256	150	3	the	the	DET
gp-256	150	4	nine	nine	NUM
gp-256	150	5	main	main	ADJ
gp-256	150	6	elements	element	NOUN
gp-256	150	7	in	in	ADP
gp-256	150	8	the	the	DET
gp-256	150	9	bmc	bmc	NOUN
gp-256	150	10	,	,	PUNCT
gp-256	150	11	the	the	DET
gp-256	150	12	field	field	NOUN
gp-256	150	13	findings	finding	NOUN
gp-256	150	14	were	be	AUX
gp-256	150	15	explained	explain	VERB
gp-256	150	16	thematically	thematically	ADV
gp-256	150	17	to	to	PART
gp-256	150	18	illustrate	illustrate	VERB
gp-256	150	19	the	the	DET
gp-256	150	20	pattern	pattern	NOUN
gp-256	150	21	of	of	ADP
gp-256	150	22	relationships	relationship	NOUN
gp-256	150	23	between	between	ADP
gp-256	150	24	sources	source	NOUN
gp-256	150	25	,	,	PUNCT
gp-256	150	26	strategic	strategic	ADJ
gp-256	150	27	resources	resource	NOUN
gp-256	150	28	,	,	PUNCT
gp-256	150	29	and	and	CCONJ
gp-256	150	30	the	the	DET
gp-256	150	31	structure	structure	NOUN
gp-256	150	32	of	of	ADP
gp-256	150	33	collaboration	collaboration	NOUN
gp-256	150	34	between	between	ADP
gp-256	150	35	bank	bank	PROPN
gp-256	150	36	xyz	xyz	PROPN
gp-256	150	37	and	and	CCONJ
gp-256	150	38	p2p	p2p	NOUN
gp-256	150	39	lending	lending	NOUN
gp-256	150	40	partners	partner	NOUN
gp-256	150	41	.	.	PUNCT
gp-256	151	1	the	the	DET
gp-256	151	2	bmc	bmc	PROPN
gp-256	151	3	model	model	NOUN
gp-256	151	4	in	in	ADP
gp-256	151	5	this	this	DET
gp-256	151	6	context	context	NOUN
gp-256	151	7	is	be	AUX
gp-256	151	8	not	not	PART
gp-256	151	9	used	use	VERB
gp-256	151	10	as	as	ADP
gp-256	151	11	a	a	DET
gp-256	151	12	quantification	quantification	NOUN
gp-256	151	13	tool	tool	NOUN
gp-256	151	14	,	,	PUNCT
gp-256	151	15	but	but	CCONJ
gp-256	151	16	as	as	ADP
gp-256	151	17	an	an	DET
gp-256	151	18	exploratory	exploratory	ADJ
gp-256	151	19	tool	tool	NOUN
gp-256	151	20	that	that	PRON
gp-256	151	21	allows	allow	VERB
gp-256	151	22	researchers	researcher	NOUN
gp-256	151	23	to	to	PART
gp-256	151	24	construct	construct	VERB
gp-256	151	25	business	business	NOUN
gp-256	151	26	narratives	narrative	NOUN
gp-256	151	27	based	base	VERB
gp-256	151	28	on	on	ADP
gp-256	151	29	the	the	DET
gp-256	151	30	subjective	subjective	ADJ
gp-256	151	31	disclosures	disclosure	NOUN
gp-256	151	32	of	of	ADP
gp-256	151	33	key	key	ADJ
gp-256	151	34	informants	informant	NOUN
gp-256	151	35	.	.	PUNCT
gp-256	152	1	each	each	DET
gp-256	152	2	bmc	bmc	NOUN
gp-256	152	3	element	element	NOUN
gp-256	152	4	is	be	AUX
gp-256	152	5	then	then	ADV
gp-256	152	6	associated	associate	VERB
gp-256	152	7	with	with	ADP
gp-256	152	8	the	the	DET
gp-256	152	9	theme	theme	NOUN
gp-256	152	10	of	of	ADP
gp-256	152	11	nvivo	nvivo	ADJ
gp-256	152	12	data	datum	NOUN
gp-256	152	13	american	american	PROPN
gp-256	152	14	journal	journal	PROPN
gp-256	152	15	of	of	ADP
gp-256	152	16	economic	economic	ADJ
gp-256	152	17	and	and	CCONJ
gp-256	152	18	management	management	NOUN
gp-256	152	19	business	business	NOUN
gp-256	152	20	vol	vol	NOUN
gp-256	152	21	.	.	PROPN
gp-256	153	1	4	4	NUM
gp-256	153	2	no	no	NOUN
gp-256	153	3	.	.	NOUN
gp-256	153	4	8	8	NUM
gp-256	153	5	agustus	agustus	NOUN
gp-256	153	6	2025	2025	NUM
gp-256	153	7	1308	1308	NUM
gp-256	153	8	reduction	reduction	NOUN
gp-256	153	9	results	result	NOUN
gp-256	153	10	that	that	PRON
gp-256	153	11	have	have	AUX
gp-256	153	12	been	be	AUX
gp-256	153	13	validated	validate	VERB
gp-256	153	14	beforehand	beforehand	ADV
gp-256	153	15	.	.	PUNCT
gp-256	154	1	this	this	DET
gp-256	154	2	analysis	analysis	NOUN
gp-256	154	3	is	be	AUX
gp-256	154	4	descriptive	descriptive	ADJ
gp-256	154	5	,	,	PUNCT
gp-256	154	6	avoiding	avoid	VERB
gp-256	154	7	quantitative	quantitative	ADJ
gp-256	154	8	generalizations	generalization	NOUN
gp-256	154	9	,	,	PUNCT
gp-256	154	10	but	but	CCONJ
gp-256	154	11	emphasizing	emphasize	VERB
gp-256	154	12	the	the	DET
gp-256	154	13	strategic	strategic	ADJ
gp-256	154	14	significance	significance	NOUN
gp-256	154	15	of	of	ADP
gp-256	154	16	each	each	DET
gp-256	154	17	element	element	NOUN
gp-256	154	18	of	of	ADP
gp-256	154	19	the	the	DET
gp-256	154	20	business	business	NOUN
gp-256	154	21	model	model	NOUN
gp-256	154	22	.	.	PUNCT
gp-256	155	1	figure	figure	NOUN
gp-256	155	2	1	1	NUM
gp-256	155	3	.	.	PUNCT
gp-256	156	1	bmc	bmc	VERB
gp-256	156	2	analysis	analysis	NOUN
gp-256	156	3	through	through	ADP
gp-256	156	4	the	the	DET
gp-256	156	5	inductive	inductive	ADJ
gp-256	156	6	and	and	CCONJ
gp-256	156	7	holistic	holistic	ADJ
gp-256	156	8	interpretation	interpretation	NOUN
gp-256	156	9	of	of	ADP
gp-256	156	10	the	the	DET
gp-256	156	11	findings	finding	NOUN
gp-256	156	12	,	,	PUNCT
gp-256	156	13	this	this	DET
gp-256	156	14	bmc	bmc	NOUN
gp-256	156	15	analysis	analysis	NOUN
gp-256	156	16	provides	provide	VERB
gp-256	156	17	an	an	DET
gp-256	156	18	in	in	ADP
gp-256	156	19	-	-	PUNCT
gp-256	156	20	depth	depth	NOUN
gp-256	156	21	understanding	understanding	NOUN
gp-256	156	22	of	of	ADP
gp-256	156	23	the	the	DET
gp-256	156	24	structure	structure	NOUN
gp-256	156	25	and	and	CCONJ
gp-256	156	26	dynamics	dynamic	NOUN
gp-256	156	27	of	of	ADP
gp-256	156	28	collaborative	collaborative	ADJ
gp-256	156	29	business	business	NOUN
gp-256	156	30	formed	form	VERB
gp-256	156	31	between	between	ADP
gp-256	156	32	banks	bank	NOUN
gp-256	156	33	and	and	CCONJ
gp-256	156	34	p2p	p2p	NOUN
gp-256	156	35	lending	lending	NOUN
gp-256	156	36	partners	partner	NOUN
gp-256	156	37	.	.	PUNCT
gp-256	157	1	the	the	DET
gp-256	157	2	bmc	bmc	NOUN
gp-256	157	3	framework	framework	NOUN
gp-256	157	4	applied	apply	VERB
gp-256	157	5	in	in	ADP
gp-256	157	6	the	the	DET
gp-256	157	7	context	context	NOUN
gp-256	157	8	of	of	ADP
gp-256	157	9	this	this	DET
gp-256	157	10	qualitative	qualitative	ADJ
gp-256	157	11	research	research	NOUN
gp-256	157	12	shows	show	VERB
gp-256	157	13	that	that	SCONJ
gp-256	157	14	the	the	DET
gp-256	157	15	success	success	NOUN
gp-256	157	16	of	of	ADP
gp-256	157	17	service	service	NOUN
gp-256	157	18	integration	integration	NOUN
gp-256	157	19	is	be	AUX
gp-256	157	20	not	not	PART
gp-256	157	21	only	only	ADV
gp-256	157	22	determined	determine	VERB
gp-256	157	23	by	by	ADP
gp-256	157	24	technological	technological	ADJ
gp-256	157	25	and	and	CCONJ
gp-256	157	26	regulatory	regulatory	ADJ
gp-256	157	27	aspects	aspect	NOUN
gp-256	157	28	,	,	PUNCT
gp-256	157	29	but	but	CCONJ
gp-256	157	30	also	also	ADV
gp-256	157	31	by	by	ADP
gp-256	157	32	joint	joint	ADJ
gp-256	157	33	risk	risk	NOUN
gp-256	157	34	management	management	NOUN
gp-256	157	35	,	,	PUNCT
gp-256	157	36	strengthening	strengthen	VERB
gp-256	157	37	added	add	VERB
gp-256	157	38	value	value	NOUN
gp-256	157	39	,	,	PUNCT
gp-256	157	40	and	and	CCONJ
gp-256	157	41	optimizing	optimize	VERB
gp-256	157	42	digital	digital	ADJ
gp-256	157	43	service	service	NOUN
gp-256	157	44	channels	channel	NOUN
gp-256	157	45	that	that	PRON
gp-256	157	46	are	be	AUX
gp-256	157	47	able	able	ADJ
gp-256	157	48	to	to	PART
gp-256	157	49	reach	reach	VERB
gp-256	157	50	a	a	DET
gp-256	157	51	wider	wide	ADJ
gp-256	157	52	segment	segment	NOUN
gp-256	157	53	of	of	ADP
gp-256	157	54	borrowers	borrower	NOUN
gp-256	157	55	.	.	PUNCT
gp-256	158	1	thus	thus	ADV
gp-256	158	2	,	,	PUNCT
gp-256	158	3	this	this	DET
gp-256	158	4	approach	approach	NOUN
gp-256	158	5	confirms	confirm	VERB
gp-256	158	6	that	that	SCONJ
gp-256	158	7	bmc	bmc	NOUN
gp-256	158	8	serves	serve	VERB
gp-256	158	9	as	as	ADP
gp-256	158	10	a	a	DET
gp-256	158	11	conceptual	conceptual	ADJ
gp-256	158	12	bridge	bridge	NOUN
gp-256	158	13	between	between	ADP
gp-256	158	14	empirical	empirical	ADJ
gp-256	158	15	findings	finding	NOUN
gp-256	158	16	and	and	CCONJ
gp-256	158	17	business	business	NOUN
gp-256	158	18	model	model	NOUN
gp-256	158	19	strategy	strategy	NOUN
gp-256	158	20	formulation	formulation	NOUN
gp-256	158	21	that	that	PRON
gp-256	158	22	is	be	AUX
gp-256	158	23	adaptive	adaptive	ADJ
gp-256	158	24	and	and	CCONJ
gp-256	158	25	relevant	relevant	ADJ
gp-256	158	26	to	to	ADP
gp-256	158	27	today	today	NOUN
gp-256	158	28	's	's	PART
gp-256	158	29	digital	digital	ADJ
gp-256	158	30	multipurpose	multipurpose	NOUN
gp-256	158	31	financing	financing	NOUN
gp-256	158	32	ecosystem	ecosystem	NOUN
gp-256	158	33	.	.	PUNCT
gp-256	159	1	analysis	analysis	NOUN
gp-256	159	2	of	of	ADP
gp-256	159	3	findings	finding	NOUN
gp-256	159	4	based	base	VERB
gp-256	159	5	on	on	ADP
gp-256	159	6	the	the	DET
gp-256	159	7	ten	ten	NUM
gp-256	159	8	types	type	NOUN
gp-256	159	9	of	of	ADP
gp-256	159	10	innovation	innovation	NOUN
gp-256	159	11	framework	framework	NOUN
gp-256	159	12	this	this	DET
gp-256	159	13	analysis	analysis	NOUN
gp-256	159	14	refers	refer	VERB
gp-256	159	15	to	to	ADP
gp-256	159	16	the	the	DET
gp-256	159	17	framework	framework	NOUN
gp-256	159	18	of	of	ADP
gp-256	159	19	the	the	DET
gp-256	159	20	ten	ten	NUM
gp-256	159	21	types	type	NOUN
gp-256	159	22	of	of	ADP
gp-256	159	23	innovation	innovation	NOUN
gp-256	159	24	(	(	PUNCT
gp-256	159	25	doblin	doblin	PROPN
gp-256	159	26	,	,	PUNCT
gp-256	159	27	2013	2013	NUM
gp-256	159	28	)	)	PUNCT
gp-256	159	29	which	which	PRON
gp-256	159	30	includes	include	VERB
gp-256	159	31	ten	ten	NUM
gp-256	159	32	dimensions	dimension	NOUN
gp-256	159	33	of	of	ADP
gp-256	159	34	innovation	innovation	NOUN
gp-256	159	35	in	in	ADP
gp-256	159	36	organizations	organization	NOUN
gp-256	159	37	and	and	CCONJ
gp-256	159	38	business	business	NOUN
gp-256	159	39	models	model	NOUN
gp-256	159	40	.	.	PUNCT
gp-256	160	1	these	these	DET
gp-256	160	2	findings	finding	NOUN
gp-256	160	3	were	be	AUX
gp-256	160	4	obtained	obtain	VERB
gp-256	160	5	through	through	ADP
gp-256	160	6	triangulation	triangulation	NOUN
gp-256	160	7	of	of	ADP
gp-256	160	8	the	the	DET
gp-256	160	9	results	result	NOUN
gp-256	160	10	of	of	ADP
gp-256	160	11	interviews	interview	NOUN
gp-256	160	12	with	with	ADP
gp-256	160	13	key	key	ADJ
gp-256	160	14	actors	actor	NOUN
gp-256	160	15	in	in	ADP
gp-256	160	16	the	the	DET
gp-256	160	17	collaboration	collaboration	NOUN
gp-256	160	18	between	between	ADP
gp-256	160	19	bank	bank	PROPN
gp-256	160	20	xyz	xyz	PROPN
gp-256	160	21	and	and	CCONJ
gp-256	160	22	the	the	DET
gp-256	160	23	peer	peer	NOUN
gp-256	160	24	-	-	PUNCT
gp-256	160	25	to	to	ADP
gp-256	160	26	-	-	PUNCT
gp-256	160	27	peer	peer	NOUN
gp-256	160	28	(	(	PUNCT
gp-256	160	29	p2p	p2p	NOUN
gp-256	160	30	)	)	PUNCT
gp-256	160	31	lending	lending	NOUN
gp-256	160	32	platform	platform	NOUN
gp-256	160	33	,	,	PUNCT
gp-256	160	34	with	with	SCONJ
gp-256	160	35	the	the	DET
gp-256	160	36	support	support	NOUN
gp-256	160	37	of	of	ADP
gp-256	160	38	nvivo	nvivo	ADJ
gp-256	160	39	analysis	analysis	NOUN
gp-256	160	40	based	base	VERB
gp-256	160	41	on	on	ADP
gp-256	160	42	thematic	thematic	ADJ
gp-256	160	43	quotes	quote	NOUN
gp-256	160	44	that	that	PRON
gp-256	160	45	have	have	AUX
gp-256	160	46	been	be	AUX
gp-256	160	47	systematically	systematically	ADV
gp-256	160	48	reduced	reduce	VERB
gp-256	160	49	,	,	PUNCT
gp-256	160	50	presented	present	VERB
gp-256	160	51	,	,	PUNCT
gp-256	160	52	and	and	CCONJ
gp-256	160	53	verified	verify	VERB
gp-256	160	54	.	.	PUNCT
gp-256	161	1	the	the	DET
gp-256	161	2	results	result	NOUN
gp-256	161	3	of	of	ADP
gp-256	161	4	the	the	DET
gp-256	161	5	following	follow	VERB
gp-256	161	6	analysis	analysis	NOUN
gp-256	161	7	are	be	AUX
gp-256	161	8	compiled	compile	VERB
gp-256	161	9	by	by	ADP
gp-256	161	10	directly	directly	ADV
gp-256	161	11	linking	link	VERB
gp-256	161	12	the	the	DET
gp-256	161	13	results	result	NOUN
gp-256	161	14	of	of	ADP
gp-256	161	15	nvivo	nvivo	ADJ
gp-256	161	16	analysis	analysis	NOUN
gp-256	161	17	to	to	ADP
gp-256	161	18	each	each	DET
gp-256	161	19	dimension	dimension	NOUN
gp-256	161	20	of	of	ADP
gp-256	161	21	innovation	innovation	NOUN
gp-256	161	22	,	,	PUNCT
gp-256	161	23	as	as	SCONJ
gp-256	161	24	follows	follow	VERB
gp-256	161	25	:	:	PUNCT
gp-256	161	26	american	american	PROPN
gp-256	161	27	journal	journal	PROPN
gp-256	161	28	of	of	ADP
gp-256	161	29	economic	economic	ADJ
gp-256	161	30	and	and	CCONJ
gp-256	161	31	management	management	NOUN
gp-256	161	32	business	business	NOUN
gp-256	161	33	vol	vol	NOUN
gp-256	161	34	.	.	PROPN
gp-256	162	1	4	4	NUM
gp-256	162	2	no	no	NOUN
gp-256	162	3	.	.	NOUN
gp-256	162	4	8	8	NUM
gp-256	162	5	agustus	agustus	NOUN
gp-256	162	6	2025	2025	NUM
gp-256	162	7	1309	1309	NUM
gp-256	162	8	figure	figure	NOUN
gp-256	162	9	2	2	NUM
gp-256	162	10	.	.	PUNCT
gp-256	162	11	analysis	analysis	NOUN
gp-256	162	12	of	of	ADP
gp-256	162	13	ten	ten	NUM
gp-256	162	14	type	type	NOUN
gp-256	162	15	innovation	innovation	NOUN
gp-256	162	16	1	1	NUM
gp-256	162	17	.	.	PUNCT
gp-256	162	18	profit	profit	NOUN
gp-256	162	19	model	model	NOUN
gp-256	162	20	–	–	PUNCT
gp-256	162	21	new	new	ADJ
gp-256	162	22	revenue	revenue	NOUN
gp-256	162	23	scheme	scheme	NOUN
gp-256	162	24	nvivo	nvivo	ADJ
gp-256	162	25	data	datum	NOUN
gp-256	162	26	shows	show	VERB
gp-256	162	27	that	that	SCONJ
gp-256	162	28	resource	resource	NOUN
gp-256	162	29	persons	person	NOUN
gp-256	162	30	from	from	ADP
gp-256	162	31	banks	bank	NOUN
gp-256	162	32	and	and	CCONJ
gp-256	162	33	p2p	p2p	NOUN
gp-256	162	34	consistently	consistently	ADV
gp-256	162	35	mention	mention	VERB
gp-256	162	36	the	the	DET
gp-256	162	37	existence	existence	NOUN
gp-256	162	38	of	of	ADP
gp-256	162	39	a	a	DET
gp-256	162	40	profit	profit	NOUN
gp-256	162	41	-	-	PUNCT
gp-256	162	42	sharing	share	VERB
gp-256	162	43	scheme	scheme	NOUN
gp-256	162	44	and	and	CCONJ
gp-256	162	45	operational	operational	ADJ
gp-256	162	46	cost	cost	NOUN
gp-256	162	47	efficiency	efficiency	NOUN
gp-256	162	48	as	as	ADP
gp-256	162	49	the	the	DET
gp-256	162	50	main	main	ADJ
gp-256	162	51	added	add	VERB
gp-256	162	52	value	value	NOUN
gp-256	162	53	.	.	PUNCT
gp-256	163	1	a	a	DET
gp-256	163	2	quote	quote	NOUN
gp-256	163	3	from	from	ADP
gp-256	163	4	other	other	ADJ
gp-256	163	5	bank	bank	NOUN
gp-256	163	6	mentions	mention	VERB
gp-256	163	7	the	the	DET
gp-256	163	8	efficiency	efficiency	NOUN
gp-256	163	9	of	of	ADP
gp-256	163	10	expansion	expansion	NOUN
gp-256	163	11	without	without	ADP
gp-256	163	12	opening	open	VERB
gp-256	163	13	a	a	DET
gp-256	163	14	branch	branch	NOUN
gp-256	163	15	,	,	PUNCT
gp-256	163	16	which	which	PRON
gp-256	163	17	is	be	AUX
gp-256	163	18	encoded	encode	VERB
gp-256	163	19	in	in	ADP
gp-256	163	20	the	the	DET
gp-256	163	21	nodes	node	NOUN
gp-256	163	22	of	of	ADP
gp-256	163	23	"	"	PUNCT
gp-256	163	24	cost	cost	NOUN
gp-256	163	25	structure	structure	NOUN
gp-256	163	26	"	"	PUNCT
gp-256	163	27	and	and	CCONJ
gp-256	163	28	"	"	PUNCT
gp-256	163	29	revenue	revenue	NOUN
gp-256	163	30	model	model	NOUN
gp-256	163	31	"	"	PUNCT
gp-256	163	32	.	.	PUNCT
gp-256	164	1	2	2	X
gp-256	164	2	.	.	X
gp-256	164	3	network	network	NOUN
gp-256	164	4	–	–	PUNCT
gp-256	164	5	strategic	strategic	ADJ
gp-256	164	6	partnerships	partnership	NOUN
gp-256	164	7	the	the	DET
gp-256	164	8	nodes	node	NOUN
gp-256	164	9	of	of	ADP
gp-256	164	10	"	"	PUNCT
gp-256	164	11	collaboration	collaboration	NOUN
gp-256	164	12	strategy	strategy	NOUN
gp-256	164	13	"	"	PUNCT
gp-256	164	14	and	and	CCONJ
gp-256	164	15	"	"	PUNCT
gp-256	164	16	fintech	fintech	NOUN
gp-256	164	17	partnership	partnership	NOUN
gp-256	164	18	"	"	PUNCT
gp-256	164	19	dominate	dominate	VERB
gp-256	164	20	the	the	DET
gp-256	164	21	frequency	frequency	NOUN
gp-256	164	22	of	of	ADP
gp-256	164	23	bank	bank	NOUN
gp-256	164	24	speakers	speaker	NOUN
gp-256	164	25	and	and	CCONJ
gp-256	164	26	p2p	p2p	NOUN
gp-256	164	27	ceos	ceos	NOUN
gp-256	164	28	.	.	PUNCT
gp-256	165	1	these	these	DET
gp-256	165	2	findings	finding	NOUN
gp-256	165	3	suggest	suggest	VERB
gp-256	165	4	that	that	SCONJ
gp-256	165	5	partnership	partnership	NOUN
gp-256	165	6	relationships	relationship	NOUN
gp-256	165	7	are	be	AUX
gp-256	165	8	seen	see	VERB
gp-256	165	9	not	not	PART
gp-256	165	10	only	only	ADV
gp-256	165	11	as	as	ADP
gp-256	165	12	operational	operational	ADJ
gp-256	165	13	technical	technical	ADJ
gp-256	165	14	,	,	PUNCT
gp-256	165	15	but	but	CCONJ
gp-256	165	16	as	as	ADP
gp-256	165	17	medium	medium	ADJ
gp-256	165	18	-	-	PUNCT
gp-256	165	19	term	term	NOUN
gp-256	165	20	strategies	strategy	NOUN
gp-256	165	21	for	for	ADP
gp-256	165	22	expansion	expansion	NOUN
gp-256	165	23	.	.	PUNCT
gp-256	166	1	3	3	X
gp-256	166	2	.	.	X
gp-256	166	3	structure	structure	NOUN
gp-256	166	4	–	–	PUNCT
gp-256	166	5	collaborative	collaborative	ADJ
gp-256	166	6	organizational	organizational	ADJ
gp-256	166	7	structure	structure	NOUN
gp-256	166	8	from	from	ADP
gp-256	166	9	the	the	DET
gp-256	166	10	results	result	NOUN
gp-256	166	11	of	of	ADP
gp-256	166	12	the	the	DET
gp-256	166	13	reduction	reduction	NOUN
gp-256	166	14	and	and	CCONJ
gp-256	166	15	tabulation	tabulation	NOUN
gp-256	166	16	of	of	ADP
gp-256	166	17	interviews	interview	NOUN
gp-256	166	18	,	,	PUNCT
gp-256	166	19	particularly	particularly	ADV
gp-256	166	20	from	from	ADP
gp-256	166	21	the	the	DET
gp-256	166	22	operational	operational	ADJ
gp-256	166	23	and	and	CCONJ
gp-256	166	24	risk	risk	NOUN
gp-256	166	25	teams	team	NOUN
gp-256	166	26	,	,	PUNCT
gp-256	166	27	a	a	DET
gp-256	166	28	pattern	pattern	NOUN
gp-256	166	29	emerged	emerge	VERB
gp-256	166	30	of	of	ADP
gp-256	166	31	the	the	DET
gp-256	166	32	formation	formation	NOUN
gp-256	166	33	of	of	ADP
gp-256	166	34	special	special	ADJ
gp-256	166	35	work	work	NOUN
gp-256	166	36	units	unit	NOUN
gp-256	166	37	and	and	CCONJ
gp-256	166	38	cross	cross	ADJ
gp-256	166	39	-	-	ADJ
gp-256	166	40	divisional	divisional	ADJ
gp-256	166	41	coordination	coordination	NOUN
gp-256	166	42	,	,	PUNCT
gp-256	166	43	which	which	PRON
gp-256	166	44	were	be	AUX
gp-256	166	45	coded	code	VERB
gp-256	166	46	in	in	ADP
gp-256	166	47	the	the	DET
gp-256	166	48	nodes	node	NOUN
gp-256	166	49	of	of	ADP
gp-256	166	50	"	"	PUNCT
gp-256	166	51	hybrid	hybrid	ADJ
gp-256	166	52	organization	organization	NOUN
gp-256	166	53	"	"	PUNCT
gp-256	166	54	and	and	CCONJ
gp-256	166	55	"	"	PUNCT
gp-256	166	56	cross	cross	ADJ
gp-256	166	57	-	-	ADJ
gp-256	166	58	functional	functional	ADJ
gp-256	166	59	team	team	NOUN
gp-256	166	60	"	"	PUNCT
gp-256	166	61	.	.	PUNCT
gp-256	167	1	4	4	X
gp-256	167	2	.	.	NOUN
gp-256	167	3	process	process	NOUN
gp-256	167	4	–	–	PUNCT
gp-256	167	5	digitization	digitization	NOUN
gp-256	167	6	of	of	ADP
gp-256	167	7	business	business	NOUN
gp-256	167	8	processes	process	NOUN
gp-256	167	9	the	the	DET
gp-256	167	10	process	process	NOUN
gp-256	167	11	is	be	AUX
gp-256	167	12	the	the	DET
gp-256	167	13	innovation	innovation	NOUN
gp-256	167	14	dimension	dimension	NOUN
gp-256	167	15	with	with	ADP
gp-256	167	16	the	the	DET
gp-256	167	17	most	most	ADJ
gp-256	167	18	citations	citation	NOUN
gp-256	167	19	in	in	ADP
gp-256	167	20	nvivo	nvivo	ADJ
gp-256	167	21	data	datum	NOUN
gp-256	167	22	.	.	PUNCT
gp-256	168	1	the	the	DET
gp-256	168	2	bank	bank	NOUN
gp-256	168	3	's	's	PART
gp-256	168	4	technology	technology	NOUN
gp-256	168	5	and	and	CCONJ
gp-256	168	6	it	it	PRON
gp-256	168	7	resource	resource	NOUN
gp-256	168	8	persons	person	NOUN
gp-256	168	9	mentioned	mention	VERB
gp-256	168	10	the	the	DET
gp-256	168	11	integration	integration	NOUN
gp-256	168	12	of	of	ADP
gp-256	168	13	apis	apis	PROPN
gp-256	168	14	,	,	PUNCT
gp-256	168	15	sandboxes	sandbox	NOUN
gp-256	168	16	,	,	PUNCT
gp-256	168	17	and	and	CCONJ
gp-256	168	18	accelerated	accelerate	VERB
gp-256	168	19	process	process	NOUN
gp-256	168	20	slas	sla	NOUN
gp-256	168	21	as	as	ADP
gp-256	168	22	a	a	DET
gp-256	168	23	form	form	NOUN
gp-256	168	24	of	of	ADP
gp-256	168	25	digital	digital	ADJ
gp-256	168	26	transformation	transformation	NOUN
gp-256	168	27	.	.	PUNCT
gp-256	169	1	5	5	X
gp-256	169	2	.	.	X
gp-256	169	3	product	product	NOUN
gp-256	169	4	performance	performance	NOUN
gp-256	169	5	–	–	PUNCT
gp-256	169	6	speed	speed	NOUN
gp-256	169	7	and	and	CCONJ
gp-256	169	8	access	access	NOUN
gp-256	169	9	from	from	ADP
gp-256	169	10	the	the	DET
gp-256	169	11	analysis	analysis	NOUN
gp-256	169	12	of	of	ADP
gp-256	169	13	data	data	NOUN
gp-256	169	14	presentation	presentation	NOUN
gp-256	169	15	,	,	PUNCT
gp-256	169	16	borrowers	borrower	NOUN
gp-256	169	17	stated	state	VERB
gp-256	169	18	that	that	SCONJ
gp-256	169	19	the	the	DET
gp-256	169	20	average	average	ADJ
gp-256	169	21	approval	approval	NOUN
gp-256	169	22	and	and	CCONJ
gp-256	169	23	disbursement	disbursement	NOUN
gp-256	169	24	time	time	NOUN
gp-256	169	25	is	be	AUX
gp-256	169	26	only	only	ADV
gp-256	169	27	2	2	NUM
gp-256	169	28	-	-	SYM
gp-256	169	29	3	3	NUM
gp-256	169	30	days	day	NOUN
gp-256	169	31	.	.	PUNCT
gp-256	170	1	this	this	PRON
gp-256	170	2	is	be	AUX
gp-256	170	3	confirmed	confirm	VERB
gp-256	170	4	in	in	ADP
gp-256	170	5	the	the	DET
gp-256	170	6	nodes	node	NOUN
gp-256	170	7	"	"	PUNCT
gp-256	170	8	service	service	NOUN
gp-256	170	9	acceleration	acceleration	NOUN
gp-256	170	10	"	"	PUNCT
gp-256	170	11	and	and	CCONJ
gp-256	170	12	"	"	PUNCT
gp-256	170	13	user	user	NOUN
gp-256	170	14	experience	experience	NOUN
gp-256	170	15	"	"	PUNCT
gp-256	170	16	.	.	PUNCT
gp-256	171	1	6	6	X
gp-256	171	2	.	.	X
gp-256	171	3	product	product	NOUN
gp-256	171	4	system	system	NOUN
gp-256	171	5	–	–	PUNCT
gp-256	171	6	integrated	integrate	VERB
gp-256	171	7	ecosystem	ecosystem	NOUN
gp-256	171	8	banks	bank	NOUN
gp-256	171	9	and	and	CCONJ
gp-256	171	10	p2p	p2p	NOUN
gp-256	171	11	record	record	VERB
gp-256	171	12	the	the	DET
gp-256	171	13	integration	integration	NOUN
gp-256	171	14	system	system	NOUN
gp-256	171	15	from	from	ADP
gp-256	171	16	submission	submission	NOUN
gp-256	171	17	,	,	PUNCT
gp-256	171	18	approval	approval	NOUN
gp-256	171	19	,	,	PUNCT
gp-256	171	20	to	to	ADP
gp-256	171	21	monitoring	monitoring	NOUN
gp-256	171	22	.	.	PUNCT
gp-256	172	1	the	the	DET
gp-256	172	2	relevant	relevant	ADJ
gp-256	172	3	nvivo	nvivo	ADJ
gp-256	172	4	nodes	node	NOUN
gp-256	172	5	are	be	AUX
gp-256	172	6	"	"	PUNCT
gp-256	172	7	integrated	integrate	VERB
gp-256	172	8	dashboards	dashboard	NOUN
gp-256	172	9	"	"	PUNCT
gp-256	172	10	and	and	CCONJ
gp-256	172	11	"	"	PUNCT
gp-256	172	12	integrated	integrated	ADJ
gp-256	172	13	process	process	NOUN
gp-256	172	14	flows	flow	VERB
gp-256	172	15	"	"	PUNCT
gp-256	172	16	.	.	PUNCT
gp-256	173	1	7	7	X
gp-256	173	2	.	.	X
gp-256	173	3	service	service	NOUN
gp-256	173	4	–	–	PUNCT
gp-256	173	5	responsive	responsive	ADJ
gp-256	173	6	digital	digital	ADJ
gp-256	173	7	services	service	NOUN
gp-256	173	8	american	american	PROPN
gp-256	173	9	journal	journal	PROPN
gp-256	173	10	of	of	ADP
gp-256	173	11	economic	economic	ADJ
gp-256	173	12	and	and	CCONJ
gp-256	173	13	management	management	NOUN
gp-256	173	14	business	business	NOUN
gp-256	173	15	vol	vol	NOUN
gp-256	173	16	.	.	PROPN
gp-256	173	17	4	4	NUM
gp-256	173	18	no	no	NOUN
gp-256	173	19	.	.	NOUN
gp-256	173	20	8	8	NUM
gp-256	173	21	agustus	agustus	NOUN
gp-256	173	22	2025	2025	NUM
gp-256	173	23	1310	1310	NUM
gp-256	173	24	all	all	DET
gp-256	173	25	borrowers	borrower	NOUN
gp-256	173	26	highlighted	highlight	VERB
gp-256	173	27	responsive	responsive	ADJ
gp-256	173	28	cs	cs	PROPN
gp-256	173	29	services	service	NOUN
gp-256	173	30	,	,	PUNCT
gp-256	173	31	application	application	NOUN
gp-256	173	32	transparency	transparency	NOUN
gp-256	173	33	,	,	PUNCT
gp-256	173	34	and	and	CCONJ
gp-256	173	35	convenience	convenience	NOUN
gp-256	173	36	of	of	ADP
gp-256	173	37	digital	digital	ADJ
gp-256	173	38	features	feature	NOUN
gp-256	173	39	.	.	PUNCT
gp-256	174	1	the	the	DET
gp-256	174	2	nodes	node	NOUN
gp-256	174	3	of	of	ADP
gp-256	174	4	"	"	PUNCT
gp-256	174	5	digital	digital	ADJ
gp-256	174	6	cs	cs	PROPN
gp-256	174	7	"	"	PUNCT
gp-256	174	8	and	and	CCONJ
gp-256	174	9	"	"	PUNCT
gp-256	174	10	application	application	NOUN
gp-256	174	11	-	-	PUNCT
gp-256	174	12	based	base	VERB
gp-256	174	13	services	service	NOUN
gp-256	174	14	"	"	PUNCT
gp-256	174	15	were	be	AUX
gp-256	174	16	very	very	ADV
gp-256	174	17	dominant	dominant	ADJ
gp-256	174	18	from	from	ADP
gp-256	174	19	borrower	borrower	NOUN
gp-256	174	20	quotes	quote	VERB
gp-256	174	21	1	1	NUM
gp-256	174	22	to	to	PART
gp-256	174	23	5	5	NUM
gp-256	174	24	.	.	NOUN
gp-256	174	25	8	8	NUM
gp-256	174	26	.	.	X
gp-256	174	27	channel	channel	NOUN
gp-256	174	28	–	–	PUNCT
gp-256	174	29	non	non	ADJ
gp-256	174	30	-	-	ADJ
gp-256	174	31	branch	branch	ADJ
gp-256	174	32	distribution	distribution	NOUN
gp-256	174	33	it	it	PRON
gp-256	174	34	was	be	AUX
gp-256	174	35	presented	present	VERB
gp-256	174	36	from	from	ADP
gp-256	174	37	interviews	interview	NOUN
gp-256	174	38	with	with	ADP
gp-256	174	39	borrowers	borrower	NOUN
gp-256	174	40	outside	outside	ADP
gp-256	174	41	the	the	DET
gp-256	174	42	operational	operational	ADJ
gp-256	174	43	area	area	NOUN
gp-256	174	44	(	(	PUNCT
gp-256	174	45	especially	especially	ADV
gp-256	174	46	asn	asn	NOUN
gp-256	174	47	)	)	PUNCT
gp-256	174	48	,	,	PUNCT
gp-256	174	49	who	who	PRON
gp-256	174	50	said	say	VERB
gp-256	174	51	that	that	SCONJ
gp-256	174	52	without	without	ADP
gp-256	174	53	the	the	DET
gp-256	174	54	channelling	channelling	NOUN
gp-256	174	55	model	model	NOUN
gp-256	174	56	,	,	PUNCT
gp-256	174	57	they	they	PRON
gp-256	174	58	had	have	VERB
gp-256	174	59	difficulty	difficulty	NOUN
gp-256	174	60	accessing	access	VERB
gp-256	174	61	loans	loan	NOUN
gp-256	174	62	.	.	PUNCT
gp-256	175	1	the	the	DET
gp-256	175	2	nodes	node	NOUN
gp-256	175	3	of	of	ADP
gp-256	175	4	"	"	PUNCT
gp-256	175	5	out	out	ADP
gp-256	175	6	-	-	PUNCT
gp-256	175	7	of	of	ADP
gp-256	175	8	-	-	PUNCT
gp-256	175	9	branch	branch	NOUN
gp-256	175	10	access	access	NOUN
gp-256	175	11	"	"	PUNCT
gp-256	175	12	and	and	CCONJ
gp-256	175	13	"	"	PUNCT
gp-256	175	14	online	online	ADJ
gp-256	175	15	filing	filing	NOUN
gp-256	175	16	"	"	PUNCT
gp-256	175	17	became	become	VERB
gp-256	175	18	tangible	tangible	ADJ
gp-256	175	19	evidence	evidence	NOUN
gp-256	175	20	.	.	PUNCT
gp-256	176	1	9	9	X
gp-256	176	2	.	.	X
gp-256	176	3	brand	brand	NOUN
gp-256	176	4	–	–	PUNCT
gp-256	176	5	collaborative	collaborative	ADJ
gp-256	176	6	and	and	CCONJ
gp-256	176	7	safe	safe	ADJ
gp-256	176	8	image	image	NOUN
gp-256	176	9	borrowers	borrower	NOUN
gp-256	176	10	admitted	admit	VERB
gp-256	176	11	they	they	PRON
gp-256	176	12	chose	choose	VERB
gp-256	176	13	the	the	DET
gp-256	176	14	platform	platform	NOUN
gp-256	176	15	because	because	SCONJ
gp-256	176	16	of	of	ADP
gp-256	176	17	their	their	PRON
gp-256	176	18	trust	trust	NOUN
gp-256	176	19	in	in	ADP
gp-256	176	20	affiliation	affiliation	NOUN
gp-256	176	21	with	with	ADP
gp-256	176	22	an	an	DET
gp-256	176	23	official	official	ADJ
gp-256	176	24	bank	bank	NOUN
gp-256	176	25	and	and	CCONJ
gp-256	176	26	ojk	ojk	NOUN
gp-256	176	27	license	license	NOUN
gp-256	176	28	.	.	PUNCT
gp-256	177	1	the	the	DET
gp-256	177	2	nodes	node	NOUN
gp-256	177	3	"	"	PUNCT
gp-256	177	4	trust	trust	NOUN
gp-256	177	5	in	in	ADP
gp-256	177	6	collaboration	collaboration	NOUN
gp-256	177	7	"	"	PUNCT
gp-256	177	8	and	and	CCONJ
gp-256	177	9	"	"	PUNCT
gp-256	177	10	officially	officially	ADV
gp-256	177	11	registered	register	VERB
gp-256	177	12	with	with	ADP
gp-256	177	13	the	the	DET
gp-256	177	14	ojk	ojk	NOUN
gp-256	177	15	"	"	PUNCT
gp-256	177	16	appeared	appear	VERB
gp-256	177	17	in	in	ADP
gp-256	177	18	4	4	NUM
gp-256	177	19	out	out	ADP
gp-256	177	20	of	of	ADP
gp-256	177	21	5	5	NUM
gp-256	177	22	borrower	borrower	NOUN
gp-256	177	23	interviews	interview	NOUN
gp-256	177	24	.	.	PUNCT
gp-256	178	1	10	10	NUM
gp-256	178	2	.	.	X
gp-256	178	3	customer	customer	NOUN
gp-256	178	4	engagement	engagement	NOUN
gp-256	178	5	–	–	PUNCT
gp-256	178	6	interaction	interaction	NOUN
gp-256	178	7	and	and	CCONJ
gp-256	178	8	education	education	NOUN
gp-256	178	9	there	there	PRON
gp-256	178	10	is	be	VERB
gp-256	178	11	a	a	DET
gp-256	178	12	direct	direct	ADJ
gp-256	178	13	quote	quote	NOUN
gp-256	178	14	from	from	ADP
gp-256	178	15	a	a	DET
gp-256	178	16	borrower	borrower	NOUN
gp-256	178	17	who	who	PRON
gp-256	178	18	asked	ask	VERB
gp-256	178	19	for	for	ADP
gp-256	178	20	a	a	DET
gp-256	178	21	digital	digital	ADJ
gp-256	178	22	credit	credit	NOUN
gp-256	178	23	simulation	simulation	NOUN
gp-256	178	24	and	and	CCONJ
gp-256	178	25	education	education	NOUN
gp-256	178	26	feature	feature	NOUN
gp-256	178	27	.	.	PUNCT
gp-256	179	1	these	these	PRON
gp-256	179	2	are	be	AUX
gp-256	179	3	encoded	encode	VERB
gp-256	179	4	in	in	ADP
gp-256	179	5	the	the	DET
gp-256	179	6	nodes	node	NOUN
gp-256	179	7	of	of	ADP
gp-256	179	8	"	"	PUNCT
gp-256	179	9	digital	digital	ADJ
gp-256	179	10	education	education	NOUN
gp-256	179	11	"	"	PUNCT
gp-256	179	12	and	and	CCONJ
gp-256	179	13	"	"	PUNCT
gp-256	179	14	customer	customer	NOUN
gp-256	179	15	engagement	engagement	NOUN
gp-256	179	16	"	"	PUNCT
gp-256	179	17	.	.	PUNCT
gp-256	180	1	this	this	DET
gp-256	180	2	analysis	analysis	NOUN
gp-256	180	3	shows	show	VERB
gp-256	180	4	that	that	SCONJ
gp-256	180	5	all	all	DET
gp-256	180	6	elements	element	NOUN
gp-256	180	7	of	of	ADP
gp-256	180	8	the	the	DET
gp-256	180	9	ten	ten	NUM
gp-256	180	10	types	type	NOUN
gp-256	180	11	of	of	ADP
gp-256	180	12	innovation	innovation	NOUN
gp-256	180	13	are	be	AUX
gp-256	180	14	identified	identify	VERB
gp-256	180	15	and	and	CCONJ
gp-256	180	16	validated	validate	VERB
gp-256	180	17	through	through	ADP
gp-256	180	18	the	the	DET
gp-256	180	19	citation	citation	NOUN
gp-256	180	20	of	of	ADP
gp-256	180	21	interview	interview	NOUN
gp-256	180	22	data	datum	NOUN
gp-256	180	23	that	that	PRON
gp-256	180	24	has	have	AUX
gp-256	180	25	been	be	AUX
gp-256	180	26	analyzed	analyze	VERB
gp-256	180	27	with	with	ADP
gp-256	180	28	nvivo	nvivo	PROPN
gp-256	180	29	.	.	PUNCT
gp-256	181	1	the	the	DET
gp-256	181	2	dimensions	dimension	NOUN
gp-256	181	3	of	of	ADP
gp-256	181	4	process	process	NOUN
gp-256	181	5	,	,	PUNCT
gp-256	181	6	channel	channel	NOUN
gp-256	181	7	,	,	PUNCT
gp-256	181	8	network	network	NOUN
gp-256	181	9	,	,	PUNCT
gp-256	181	10	and	and	CCONJ
gp-256	181	11	service	service	NOUN
gp-256	181	12	are	be	AUX
gp-256	181	13	the	the	DET
gp-256	181	14	main	main	ADJ
gp-256	181	15	innovations	innovation	NOUN
gp-256	181	16	that	that	PRON
gp-256	181	17	are	be	AUX
gp-256	181	18	proven	prove	VERB
gp-256	181	19	from	from	ADP
gp-256	181	20	the	the	DET
gp-256	181	21	frequency	frequency	NOUN
gp-256	181	22	and	and	CCONJ
gp-256	181	23	quality	quality	NOUN
gp-256	181	24	of	of	ADP
gp-256	181	25	citations	citation	NOUN
gp-256	181	26	.	.	PUNCT
gp-256	182	1	the	the	DET
gp-256	182	2	narrative	narrative	NOUN
gp-256	182	3	of	of	ADP
gp-256	182	4	this	this	DET
gp-256	182	5	innovation	innovation	NOUN
gp-256	182	6	is	be	AUX
gp-256	182	7	not	not	PART
gp-256	182	8	speculative	speculative	ADJ
gp-256	182	9	,	,	PUNCT
gp-256	182	10	but	but	CCONJ
gp-256	182	11	the	the	DET
gp-256	182	12	result	result	NOUN
gp-256	182	13	of	of	ADP
gp-256	182	14	thematic	thematic	ADJ
gp-256	182	15	reduction	reduction	NOUN
gp-256	182	16	and	and	CCONJ
gp-256	182	17	consistent	consistent	ADJ
gp-256	182	18	cross	cross	ADJ
gp-256	182	19	-	-	ADJ
gp-256	182	20	actor	actor	ADJ
gp-256	182	21	triangulation	triangulation	NOUN
gp-256	182	22	.	.	PUNCT
gp-256	183	1	swot	swot	PROPN
gp-256	183	2	strategic	strategic	ADJ
gp-256	183	3	analysis	analysis	NOUN
gp-256	183	4	after	after	ADP
gp-256	183	5	analyzing	analyze	VERB
gp-256	183	6	the	the	DET
gp-256	183	7	collaborative	collaborative	ADJ
gp-256	183	8	business	business	NOUN
gp-256	183	9	model	model	NOUN
gp-256	183	10	through	through	ADP
gp-256	183	11	the	the	DET
gp-256	183	12	business	business	NOUN
gp-256	183	13	model	model	NOUN
gp-256	183	14	canvas	canvas	NOUN
gp-256	183	15	and	and	CCONJ
gp-256	183	16	identifying	identify	VERB
gp-256	183	17	the	the	DET
gp-256	183	18	innovation	innovation	NOUN
gp-256	183	19	dimension	dimension	NOUN
gp-256	183	20	with	with	ADP
gp-256	183	21	the	the	DET
gp-256	183	22	ten	ten	NUM
gp-256	183	23	types	type	NOUN
gp-256	183	24	of	of	ADP
gp-256	183	25	innovation	innovation	NOUN
gp-256	183	26	,	,	PUNCT
gp-256	183	27	the	the	DET
gp-256	183	28	next	next	ADJ
gp-256	183	29	stage	stage	NOUN
gp-256	183	30	is	be	AUX
gp-256	183	31	strategic	strategic	ADJ
gp-256	183	32	synthesis	synthesis	NOUN
gp-256	183	33	through	through	ADP
gp-256	183	34	a	a	DET
gp-256	183	35	swot	swot	NOUN
gp-256	183	36	framework	framework	NOUN
gp-256	183	37	.	.	PUNCT
gp-256	184	1	this	this	DET
gp-256	184	2	analysis	analysis	NOUN
gp-256	184	3	not	not	PART
gp-256	184	4	only	only	ADV
gp-256	184	5	inventories	inventory	NOUN
gp-256	184	6	strengths	strength	NOUN
gp-256	184	7	,	,	PUNCT
gp-256	184	8	weaknesses	weakness	NOUN
gp-256	184	9	,	,	PUNCT
gp-256	184	10	opportunities	opportunity	NOUN
gp-256	184	11	,	,	PUNCT
gp-256	184	12	and	and	CCONJ
gp-256	184	13	threats	threat	NOUN
gp-256	184	14	,	,	PUNCT
gp-256	184	15	but	but	CCONJ
gp-256	184	16	also	also	ADV
gp-256	184	17	integrates	integrate	VERB
gp-256	184	18	all	all	DET
gp-256	184	19	empirical	empirical	ADJ
gp-256	184	20	findings	finding	NOUN
gp-256	184	21	ranging	range	VERB
gp-256	184	22	from	from	ADP
gp-256	184	23	nvivo	nvivo	ADJ
gp-256	184	24	data	datum	NOUN
gp-256	184	25	,	,	PUNCT
gp-256	184	26	triangulation	triangulation	NOUN
gp-256	184	27	of	of	ADP
gp-256	184	28	sources	source	NOUN
gp-256	184	29	,	,	PUNCT
gp-256	184	30	to	to	ADP
gp-256	184	31	bmc	bmc	NOUN
gp-256	184	32	maps	map	NOUN
gp-256	184	33	and	and	CCONJ
gp-256	184	34	ten	ten	NUM
gp-256	184	35	type	type	NOUN
gp-256	184	36	innovation	innovation	NOUN
gp-256	184	37	into	into	ADP
gp-256	184	38	a	a	DET
gp-256	184	39	strategic	strategic	ADJ
gp-256	184	40	and	and	CCONJ
gp-256	184	41	accountable	accountable	ADJ
gp-256	184	42	policy	policy	NOUN
gp-256	184	43	framework	framework	NOUN
gp-256	184	44	.	.	PUNCT
gp-256	185	1	the	the	DET
gp-256	185	2	strength	strength	NOUN
gp-256	185	3	is	be	AUX
gp-256	185	4	reflected	reflect	VERB
gp-256	185	5	in	in	ADP
gp-256	185	6	the	the	DET
gp-256	185	7	process	process	NOUN
gp-256	185	8	efficiency	efficiency	NOUN
gp-256	185	9	,	,	PUNCT
gp-256	185	10	system	system	NOUN
gp-256	185	11	integration	integration	NOUN
gp-256	185	12	,	,	PUNCT
gp-256	185	13	and	and	CCONJ
gp-256	185	14	confirmed	confirm	VERB
gp-256	185	15	inter	inter	ADJ
gp-256	185	16	-	-	ADJ
gp-256	185	17	actor	actor	ADJ
gp-256	185	18	disbursement	disbursement	NOUN
gp-256	185	19	speed	speed	NOUN
gp-256	185	20	.	.	PUNCT
gp-256	186	1	weaknesses	weakness	NOUN
gp-256	186	2	include	include	VERB
gp-256	186	3	non	non	ADJ
gp-256	186	4	-	-	ADJ
gp-256	186	5	uniform	uniform	ADJ
gp-256	186	6	data	datum	NOUN
gp-256	186	7	standards	standard	NOUN
gp-256	186	8	and	and	CCONJ
gp-256	186	9	reliance	reliance	NOUN
gp-256	186	10	on	on	ADP
gp-256	186	11	partner	partner	NOUN
gp-256	186	12	systems	system	NOUN
gp-256	186	13	.	.	PUNCT
gp-256	187	1	opportunities	opportunity	NOUN
gp-256	187	2	are	be	AUX
gp-256	187	3	wide	wide	ADV
gp-256	187	4	open	open	ADJ
gp-256	187	5	through	through	ADP
gp-256	187	6	the	the	DET
gp-256	187	7	expansion	expansion	NOUN
gp-256	187	8	of	of	ADP
gp-256	187	9	the	the	DET
gp-256	187	10	underserved	underserved	ADJ
gp-256	187	11	segment	segment	NOUN
gp-256	187	12	,	,	PUNCT
gp-256	187	13	while	while	SCONJ
gp-256	187	14	threats	threat	NOUN
gp-256	187	15	come	come	VERB
gp-256	187	16	from	from	ADP
gp-256	187	17	regulatory	regulatory	ADJ
gp-256	187	18	dynamics	dynamic	NOUN
gp-256	187	19	,	,	PUNCT
gp-256	187	20	reputational	reputational	ADJ
gp-256	187	21	risks	risk	NOUN
gp-256	187	22	,	,	PUNCT
gp-256	187	23	and	and	CCONJ
gp-256	187	24	potential	potential	ADJ
gp-256	187	25	borrower	borrower	NOUN
gp-256	187	26	failure	failure	NOUN
gp-256	187	27	.	.	PUNCT
gp-256	188	1	this	this	DET
gp-256	188	2	swot	swot	PROPN
gp-256	188	3	is	be	AUX
gp-256	188	4	the	the	DET
gp-256	188	5	foundation	foundation	NOUN
gp-256	188	6	for	for	ADP
gp-256	188	7	formulating	formulate	VERB
gp-256	188	8	the	the	DET
gp-256	188	9	direction	direction	NOUN
gp-256	188	10	of	of	ADP
gp-256	188	11	adaptive	adaptive	ADJ
gp-256	188	12	,	,	PUNCT
gp-256	188	13	efficient	efficient	ADJ
gp-256	188	14	,	,	PUNCT
gp-256	188	15	and	and	CCONJ
gp-256	188	16	sustainable	sustainable	ADJ
gp-256	188	17	collaboration	collaboration	NOUN
gp-256	188	18	development	development	NOUN
gp-256	188	19	.	.	PUNCT
gp-256	189	1	table	table	NOUN
gp-256	189	2	4	4	NUM
gp-256	189	3	.	.	PUNCT
gp-256	189	4	swot	swot	PROPN
gp-256	189	5	analysis	analysis	NOUN
gp-256	189	6	no	no	PROPN
gp-256	189	7	.	.	PUNCT
gp-256	189	8	factor	factor	NOUN
gp-256	189	9	(	(	PUNCT
gp-256	189	10	strengths	strength	NOUN
gp-256	189	11	&	&	CCONJ
gp-256	189	12	weaknesses	weakness	NOUN
gp-256	189	13	)	)	PUNCT
gp-256	189	14	weight	weight	NOUN
gp-256	189	15	(	(	PUNCT
gp-256	189	16	qualitative	qualitative	NOUN
gp-256	189	17	)	)	PUNCT
gp-256	189	18	ranking	rank	VERB
gp-256	189	19	(	(	PUNCT
gp-256	189	20	qualitative	qualitative	NOUN
gp-256	189	21	)	)	PUNCT
gp-256	189	22	justification	justification	NOUN
gp-256	189	23	of	of	ADP
gp-256	189	24	ratings	rating	NOUN
gp-256	189	25	&	&	CCONJ
gp-256	189	26	data	datum	NOUN
gp-256	189	27	s1	s1	PROPN
gp-256	189	28	long	long	ADJ
gp-256	189	29	-	-	PUNCT
gp-256	189	30	term	term	NOUN
gp-256	189	31	strategic	strategic	ADJ
gp-256	189	32	commitment	commitment	NOUN
gp-256	189	33	important	important	ADJ
gp-256	189	34	key	key	ADJ
gp-256	189	35	strengths	strength	NOUN
gp-256	189	36	it	it	PRON
gp-256	189	37	is	be	AUX
gp-256	189	38	evident	evident	ADJ
gp-256	189	39	from	from	ADP
gp-256	189	40	the	the	DET
gp-256	189	41	existence	existence	NOUN
gp-256	189	42	of	of	ADP
gp-256	189	43	a	a	DET
gp-256	189	44	12	12	NUM
gp-256	189	45	-	-	SYM
gp-256	189	46	24	24	NUM
gp-256	189	47	month	month	NOUN
gp-256	189	48	roadmap	roadmap	NOUN
gp-256	189	49	(	(	PUNCT
gp-256	189	50	quote	quote	INTJ
gp-256	189	51	from	from	ADP
gp-256	189	52	the	the	DET
gp-256	189	53	it	it	NOUN
gp-256	189	54	manager	manager	NOUN
gp-256	189	55	)	)	PUNCT
gp-256	189	56	and	and	CCONJ
gp-256	189	57	the	the	DET
gp-256	189	58	consensus	consensus	NOUN
gp-256	189	59	of	of	ADP
gp-256	189	60	the	the	DET
gp-256	189	61	resource	resource	NOUN
gp-256	189	62	persons	person	NOUN
gp-256	189	63	in	in	ADP
gp-256	189	64	the	the	DET
gp-256	189	65	triangulation	triangulation	NOUN
gp-256	189	66	table	table	NOUN
gp-256	189	67	that	that	SCONJ
gp-256	189	68	collaboration	collaboration	NOUN
gp-256	189	69	is	be	AUX
gp-256	189	70	a	a	DET
gp-256	189	71	long	long	ADJ
gp-256	189	72	-	-	PUNCT
gp-256	189	73	term	term	NOUN
gp-256	189	74	agenda	agenda	NOUN
gp-256	189	75	,	,	PUNCT
gp-256	189	76	not	not	PART
gp-256	189	77	a	a	DET
gp-256	189	78	tactical	tactical	ADJ
gp-256	189	79	.	.	PUNCT
gp-256	190	1	s2	s2	PROPN
gp-256	190	2	increased	increase	VERB
gp-256	190	3	service	service	NOUN
gp-256	190	4	effectiveness	effectiveness	NOUN
gp-256	190	5	&	&	CCONJ
gp-256	190	6	speed	speed	NOUN
gp-256	190	7	(	(	PUNCT
gp-256	190	8	sla	sla	PROPN
gp-256	190	9	)	)	PUNCT
gp-256	190	10	important	important	ADJ
gp-256	190	11	key	key	ADJ
gp-256	190	12	strengths	strength	NOUN
gp-256	190	13	felt	feel	VERB
gp-256	190	14	directly	directly	ADV
gp-256	190	15	by	by	ADP
gp-256	190	16	the	the	DET
gp-256	190	17	end	end	NOUN
gp-256	190	18	user	user	NOUN
gp-256	190	19	(	(	PUNCT
gp-256	190	20	borrower	borrower	NOUN
gp-256	190	21	quote	quote	VERB
gp-256	190	22	:	:	PUNCT
gp-256	190	23	"	"	PUNCT
gp-256	190	24	faster	fast	ADJ
gp-256	190	25	and	and	CCONJ
gp-256	190	26	time	time	NOUN
gp-256	190	27	-	-	PUNCT
gp-256	190	28	saving	saving	NOUN
gp-256	190	29	"	"	PUNCT
gp-256	190	30	)	)	PUNCT
gp-256	190	31	.	.	PUNCT
gp-256	191	1	also	also	ADV
gp-256	191	2	recognized	recognize	VERB
gp-256	191	3	by	by	ADP
gp-256	191	4	the	the	DET
gp-256	191	5	bank	bank	NOUN
gp-256	191	6	's	's	PART
gp-256	191	7	internal	internal	ADJ
gp-256	191	8	parties	party	NOUN
gp-256	191	9	(	(	PUNCT
gp-256	191	10	quote	quote	INTJ
gp-256	191	11	from	from	ADP
gp-256	191	12	gh	gh	PROPN
gp-256	191	13	retail	retail	ADJ
gp-256	191	14	credit	credit	NOUN
gp-256	191	15	:	:	PUNCT
gp-256	191	16	"	"	PUNCT
gp-256	191	17	our	our	PRON
gp-256	191	18	sla	sla	PROPN
gp-256	191	19	is	be	AUX
gp-256	191	20	improving	improve	VERB
gp-256	191	21	"	"	PUNCT
gp-256	191	22	)	)	PUNCT
gp-256	191	23	.	.	PUNCT
gp-256	192	1	s3	s3	PROPN
gp-256	192	2	proven	prove	VERB
gp-256	192	3	multidimensional	multidimensional	ADJ
gp-256	192	4	innovation	innovation	NOUN
gp-256	192	5	capabilities	capability	NOUN
gp-256	192	6	crucial	crucial	ADJ
gp-256	192	7	key	key	ADJ
gp-256	192	8	strengths	strength	NOUN
gp-256	192	9	the	the	DET
gp-256	192	10	analysis	analysis	NOUN
gp-256	192	11	of	of	ADP
gp-256	192	12	the	the	DET
gp-256	192	13	ten	ten	NUM
gp-256	192	14	types	type	NOUN
gp-256	192	15	of	of	ADP
gp-256	192	16	innovation	innovation	NOUN
gp-256	192	17	explicitly	explicitly	ADV
gp-256	192	18	shows	show	VERB
gp-256	192	19	that	that	SCONJ
gp-256	192	20	there	there	PRON
gp-256	192	21	are	be	VERB
gp-256	192	22	validated	validate	VERB
gp-256	192	23	innovations	innovation	NOUN
gp-256	192	24	in	in	ADP
gp-256	192	25	various	various	ADJ
gp-256	192	26	american	american	ADJ
gp-256	192	27	journal	journal	PROPN
gp-256	192	28	of	of	ADP
gp-256	192	29	economic	economic	ADJ
gp-256	192	30	and	and	CCONJ
gp-256	192	31	management	management	NOUN
gp-256	192	32	business	business	NOUN
gp-256	192	33	vol	vol	NOUN
gp-256	192	34	.	.	PROPN
gp-256	193	1	4	4	NUM
gp-256	193	2	no	no	NOUN
gp-256	193	3	.	.	NOUN
gp-256	193	4	8	8	NUM
gp-256	193	5	agustus	agustus	NOUN
gp-256	193	6	2025	2025	NUM
gp-256	194	1	1311	1311	NUM
gp-256	194	2	no	no	NOUN
gp-256	194	3	.	.	PUNCT
gp-256	195	1	factor	factor	NOUN
gp-256	195	2	(	(	PUNCT
gp-256	195	3	strengths	strength	NOUN
gp-256	195	4	&	&	CCONJ
gp-256	195	5	weaknesses	weakness	NOUN
gp-256	195	6	)	)	PUNCT
gp-256	195	7	weight	weight	NOUN
gp-256	195	8	(	(	PUNCT
gp-256	195	9	qualitative	qualitative	NOUN
gp-256	195	10	)	)	PUNCT
gp-256	195	11	ranking	rank	VERB
gp-256	195	12	(	(	PUNCT
gp-256	195	13	qualitative	qualitative	NOUN
gp-256	195	14	)	)	PUNCT
gp-256	195	15	justification	justification	NOUN
gp-256	195	16	of	of	ADP
gp-256	195	17	ratings	rating	NOUN
gp-256	195	18	&	&	CCONJ
gp-256	195	19	data	datum	NOUN
gp-256	195	20	dimensions	dimension	NOUN
gp-256	195	21	,	,	PUNCT
gp-256	195	22	especially	especially	ADV
gp-256	195	23	process	process	NOUN
gp-256	195	24	,	,	PUNCT
gp-256	195	25	channel	channel	NOUN
gp-256	195	26	,	,	PUNCT
gp-256	195	27	network	network	NOUN
gp-256	195	28	,	,	PUNCT
gp-256	195	29	and	and	CCONJ
gp-256	195	30	service	service	NOUN
gp-256	195	31	.	.	PUNCT
gp-256	196	1	s4	s4	PROPN
gp-256	196	2	complementary	complementary	ADJ
gp-256	196	3	partnerships	partnership	NOUN
gp-256	196	4	important	important	ADJ
gp-256	196	5	supporting	support	VERB
gp-256	196	6	forces	force	NOUN
gp-256	196	7	triangulation	triangulation	NOUN
gp-256	196	8	analysis	analysis	NOUN
gp-256	196	9	shows	show	VERB
gp-256	196	10	positive	positive	ADJ
gp-256	196	11	synergies	synergy	NOUN
gp-256	196	12	:	:	PUNCT
gp-256	196	13	banks	bank	NOUN
gp-256	196	14	bring	bring	VERB
gp-256	196	15	capital	capital	NOUN
gp-256	196	16	&	&	CCONJ
gp-256	196	17	trust	trust	PROPN
gp-256	196	18	;	;	PUNCT
gp-256	196	19	p2p	p2p	NOUN
gp-256	196	20	brings	bring	VERB
gp-256	196	21	speed	speed	NOUN
gp-256	196	22	&	&	CCONJ
gp-256	196	23	range	range	PROPN
gp-256	196	24	.	.	PUNCT
gp-256	197	1	rated	rate	VERB
gp-256	197	2	"	"	PUNCT
gp-256	197	3	supportive	supportive	ADJ
gp-256	197	4	"	"	PUNCT
gp-256	197	5	because	because	SCONJ
gp-256	197	6	this	this	DET
gp-256	197	7	partnership	partnership	NOUN
gp-256	197	8	is	be	AUX
gp-256	197	9	also	also	ADV
gp-256	197	10	a	a	DET
gp-256	197	11	source	source	NOUN
gp-256	197	12	of	of	ADP
gp-256	197	13	friction	friction	NOUN
gp-256	197	14	(	(	PUNCT
gp-256	197	15	w1	w1	NOUN
gp-256	197	16	)	)	PUNCT
gp-256	197	17	.	.	PUNCT
gp-256	198	1	w1	w1	PROPN
gp-256	198	2	cultural	cultural	PROPN
gp-256	198	3	&	&	CCONJ
gp-256	198	4	operational	operational	ADJ
gp-256	198	5	tensions	tension	NOUN
gp-256	198	6	(	(	PUNCT
gp-256	198	7	control	control	NOUN
gp-256	198	8	vs	vs	ADP
gp-256	198	9	speed	speed	NOUN
gp-256	198	10	)	)	PUNCT
gp-256	198	11	crucial	crucial	ADJ
gp-256	198	12	main	main	ADJ
gp-256	198	13	disadvantages	disadvantage	NOUN
gp-256	198	14	it	it	PRON
gp-256	198	15	is	be	AUX
gp-256	198	16	the	the	DET
gp-256	198	17	most	most	ADV
gp-256	198	18	striking	striking	ADJ
gp-256	198	19	divergence	divergence	NOUN
gp-256	198	20	in	in	ADP
gp-256	198	21	the	the	DET
gp-256	198	22	triangulation	triangulation	NOUN
gp-256	198	23	table	table	NOUN
gp-256	198	24	.	.	PUNCT
gp-256	199	1	the	the	DET
gp-256	199	2	friction	friction	NOUN
gp-256	199	3	between	between	ADP
gp-256	199	4	bank	bank	PROPN
gp-256	199	5	prudential	prudential	ADJ
gp-256	199	6	principles	principle	NOUN
gp-256	199	7	vs	vs	ADP
gp-256	199	8	p2p	p2p	NOUN
gp-256	199	9	agility	agility	NOUN
gp-256	199	10	is	be	AUX
gp-256	199	11	a	a	DET
gp-256	199	12	source	source	NOUN
gp-256	199	13	of	of	ADP
gp-256	199	14	fundamental	fundamental	ADJ
gp-256	199	15	operational	operational	ADJ
gp-256	199	16	inefficiencies	inefficiency	NOUN
gp-256	199	17	and	and	CCONJ
gp-256	199	18	conflicts	conflict	NOUN
gp-256	199	19	.	.	PUNCT
gp-256	200	1	w2	w2	NOUN
gp-256	200	2	system	system	NOUN
gp-256	200	3	rigidity	rigidity	NOUN
gp-256	200	4	&	&	CCONJ
gp-256	200	5	internal	internal	ADJ
gp-256	200	6	technology	technology	NOUN
gp-256	200	7	limitations	limitation	NOUN
gp-256	200	8	of	of	ADP
gp-256	200	9	the	the	DET
gp-256	200	10	bank	bank	NOUN
gp-256	200	11	crucial	crucial	ADJ
gp-256	200	12	main	main	ADJ
gp-256	200	13	disadvantages	disadvantage	NOUN
gp-256	200	14	explicitly	explicitly	ADV
gp-256	200	15	stated	state	VERB
gp-256	200	16	by	by	ADP
gp-256	200	17	the	the	DET
gp-256	200	18	bank	bank	NOUN
gp-256	200	19	's	's	PART
gp-256	200	20	it	it	PRON
gp-256	200	21	manager	manager	NOUN
gp-256	200	22	(	(	PUNCT
gp-256	200	23	"	"	PUNCT
gp-256	200	24	the	the	DET
gp-256	200	25	bank	bank	NOUN
gp-256	200	26	's	's	PART
gp-256	200	27	technology	technology	NOUN
gp-256	200	28	is	be	AUX
gp-256	200	29	more	more	ADV
gp-256	200	30	rigid	rigid	ADJ
gp-256	200	31	"	"	PUNCT
gp-256	200	32	)	)	PUNCT
gp-256	200	33	.	.	PUNCT
gp-256	201	1	it	it	PRON
gp-256	201	2	is	be	AUX
gp-256	201	3	a	a	DET
gp-256	201	4	major	major	ADJ
gp-256	201	5	bottleneck	bottleneck	NOUN
gp-256	201	6	in	in	ADP
gp-256	201	7	realtime	realtime	ADJ
gp-256	201	8	integration	integration	NOUN
gp-256	201	9	efforts	effort	NOUN
gp-256	201	10	and	and	CCONJ
gp-256	201	11	the	the	DET
gp-256	201	12	development	development	NOUN
gp-256	201	13	of	of	ADP
gp-256	201	14	new	new	ADJ
gp-256	201	15	features	feature	NOUN
gp-256	201	16	.	.	PUNCT
gp-256	202	1	w3	w3	NOUN
gp-256	202	2	organizational	organizational	ADJ
gp-256	202	3	and	and	CCONJ
gp-256	202	4	hr	hr	NOUN
gp-256	202	5	readiness	readiness	NOUN
gp-256	202	6	gap	gap	NOUN
gp-256	202	7	important	important	ADJ
gp-256	202	8	minor	minor	ADJ
gp-256	202	9	weaknesses	weakness	NOUN
gp-256	202	10	mentioned	mention	VERB
gp-256	202	11	by	by	ADP
gp-256	202	12	gh	gh	PROPN
gp-256	202	13	risk	risk	NOUN
gp-256	202	14	management	management	NOUN
gp-256	202	15	(	(	PUNCT
gp-256	202	16	"	"	PUNCT
gp-256	202	17	need	need	VERB
gp-256	202	18	to	to	PART
gp-256	202	19	upgrade	upgrade	VERB
gp-256	202	20	the	the	DET
gp-256	202	21	team	team	NOUN
gp-256	202	22	"	"	PUNCT
gp-256	202	23	)	)	PUNCT
gp-256	202	24	.	.	PUNCT
gp-256	203	1	it	it	PRON
gp-256	203	2	is	be	AUX
gp-256	203	3	a	a	DET
gp-256	203	4	weakness	weakness	NOUN
gp-256	203	5	,	,	PUNCT
gp-256	203	6	but	but	CCONJ
gp-256	203	7	not	not	PART
gp-256	203	8	as	as	ADV
gp-256	203	9	critical	critical	ADJ
gp-256	203	10	as	as	ADP
gp-256	203	11	the	the	DET
gp-256	203	12	systemic	systemic	ADJ
gp-256	203	13	problems	problem	NOUN
gp-256	203	14	in	in	ADP
gp-256	203	15	w1	w1	NOUN
gp-256	203	16	and	and	CCONJ
gp-256	203	17	w2	w2	NOUN
gp-256	203	18	.	.	PUNCT
gp-256	204	1	w4	w4	PROPN
gp-256	204	2	centralized	centralize	VERB
gp-256	204	3	final	final	ADJ
gp-256	204	4	approval	approval	NOUN
gp-256	204	5	process	process	NOUN
gp-256	204	6	important	important	ADJ
gp-256	204	7	minor	minor	ADJ
gp-256	204	8	weaknesses	weakness	NOUN
gp-256	204	9	declared	declare	VERB
gp-256	204	10	by	by	ADP
gp-256	204	11	gh	gh	PROPN
gp-256	204	12	retail	retail	ADJ
gp-256	204	13	credit	credit	NOUN
gp-256	204	14	(	(	PUNCT
gp-256	204	15	"	"	PUNCT
gp-256	204	16	final	final	ADJ
gp-256	204	17	approval	approval	NOUN
gp-256	204	18	remains	remain	VERB
gp-256	204	19	with	with	ADP
gp-256	204	20	us	we	PRON
gp-256	204	21	"	"	PUNCT
gp-256	204	22	)	)	PUNCT
gp-256	204	23	.	.	PUNCT
gp-256	205	1	this	this	PRON
gp-256	205	2	limits	limit	VERB
gp-256	205	3	the	the	DET
gp-256	205	4	effectiveness	effectiveness	NOUN
gp-256	205	5	of	of	ADP
gp-256	205	6	end	end	NOUN
gp-256	205	7	-	-	PUNCT
gp-256	205	8	to	to	ADP
gp-256	205	9	-	-	PUNCT
gp-256	205	10	end	end	NOUN
gp-256	205	11	,	,	PUNCT
gp-256	205	12	but	but	CCONJ
gp-256	205	13	it	it	PRON
gp-256	205	14	is	be	AUX
gp-256	205	15	a	a	DET
gp-256	205	16	conscious	conscious	ADJ
gp-256	205	17	policy	policy	NOUN
gp-256	205	18	,	,	PUNCT
gp-256	205	19	not	not	PART
gp-256	205	20	a	a	DET
gp-256	205	21	system	system	NOUN
gp-256	205	22	failure	failure	NOUN
gp-256	205	23	.	.	PUNCT
gp-256	206	1	o1	o1	PROPN
gp-256	206	2	a	a	DET
gp-256	206	3	supportive	supportive	ADJ
gp-256	206	4	regulatory	regulatory	ADJ
gp-256	206	5	environment	environment	NOUN
gp-256	206	6	important	important	ADJ
gp-256	206	7	amazing	amazing	ADJ
gp-256	206	8	response	response	NOUN
gp-256	206	9	this	this	DET
gp-256	206	10	collaborative	collaborative	ADJ
gp-256	206	11	business	business	NOUN
gp-256	206	12	model	model	NOUN
gp-256	206	13	is	be	AUX
gp-256	206	14	a	a	DET
gp-256	206	15	form	form	NOUN
gp-256	206	16	of	of	ADP
gp-256	206	17	direct	direct	ADJ
gp-256	206	18	and	and	CCONJ
gp-256	206	19	full	full	ADJ
gp-256	206	20	response	response	NOUN
gp-256	206	21	to	to	ADP
gp-256	206	22	the	the	DET
gp-256	206	23	"	"	PUNCT
gp-256	206	24	space	space	NOUN
gp-256	206	25	opened	open	VERB
gp-256	206	26	by	by	ADP
gp-256	206	27	the	the	DET
gp-256	206	28	ojk	ojk	NOUN
gp-256	206	29	"	"	PUNCT
gp-256	206	30	.	.	PUNCT
gp-256	207	1	organizations	organization	NOUN
gp-256	207	2	are	be	AUX
gp-256	207	3	very	very	ADV
gp-256	207	4	actively	actively	ADV
gp-256	207	5	taking	take	VERB
gp-256	207	6	advantage	advantage	NOUN
gp-256	207	7	of	of	ADP
gp-256	207	8	this	this	DET
gp-256	207	9	opportunity	opportunity	NOUN
gp-256	207	10	.	.	PUNCT
gp-256	208	1	o2	o2	ADJ
gp-256	208	2	market	market	NOUN
gp-256	208	3	demand	demand	NOUN
gp-256	208	4	for	for	ADP
gp-256	208	5	fast	fast	ADJ
gp-256	208	6	&	&	CCONJ
gp-256	208	7	digital	digital	PROPN
gp-256	208	8	services	service	NOUN
gp-256	208	9	crucial	crucial	ADJ
gp-256	208	10	above	above	ADP
gp-256	208	11	-	-	PUNCT
gp-256	208	12	average	average	NOUN
gp-256	208	13	response	response	NOUN
gp-256	208	14	the	the	DET
gp-256	208	15	response	response	NOUN
gp-256	208	16	was	be	AUX
gp-256	208	17	excellent	excellent	ADJ
gp-256	208	18	on	on	ADP
gp-256	208	19	the	the	DET
gp-256	208	20	frontend	frontend	NOUN
gp-256	208	21	(	(	PUNCT
gp-256	208	22	admitted	admit	VERB
gp-256	208	23	by	by	ADP
gp-256	208	24	the	the	DET
gp-256	208	25	borrower	borrower	NOUN
gp-256	208	26	)	)	PUNCT
gp-256	208	27	,	,	PUNCT
gp-256	208	28	but	but	CCONJ
gp-256	208	29	it	it	PRON
gp-256	208	30	was	be	AUX
gp-256	208	31	not	not	PART
gp-256	208	32	perfect	perfect	ADJ
gp-256	208	33	because	because	SCONJ
gp-256	208	34	there	there	PRON
gp-256	208	35	were	be	VERB
gp-256	208	36	still	still	ADV
gp-256	208	37	internal	internal	ADJ
gp-256	208	38	process	process	NOUN
gp-256	208	39	bottlenecks	bottleneck	NOUN
gp-256	208	40	.	.	PUNCT
gp-256	209	1	o3	o3	PROPN
gp-256	209	2	expansion	expansion	NOUN
gp-256	209	3	of	of	ADP
gp-256	209	4	market	market	NOUN
gp-256	209	5	reach	reach	VERB
gp-256	209	6	into	into	ADP
gp-256	209	7	new	new	ADJ
gp-256	209	8	segments	segment	NOUN
gp-256	209	9	important	important	ADJ
gp-256	209	10	above	above	ADP
gp-256	209	11	-	-	PUNCT
gp-256	209	12	average	average	NOUN
gp-256	209	13	response	response	NOUN
gp-256	209	14	this	this	DET
gp-256	209	15	strategy	strategy	NOUN
gp-256	209	16	is	be	AUX
gp-256	209	17	actively	actively	ADV
gp-256	209	18	executed	execute	VERB
gp-256	209	19	through	through	ADP
gp-256	209	20	a	a	DET
gp-256	209	21	channelling	channelling	NOUN
gp-256	209	22	model	model	NOUN
gp-256	209	23	,	,	PUNCT
gp-256	209	24	as	as	SCONJ
gp-256	209	25	evidenced	evidence	VERB
gp-256	209	26	by	by	ADP
gp-256	209	27	bmc	bmc	PROPN
gp-256	209	28	's	's	PART
gp-256	209	29	analysis	analysis	NOUN
gp-256	209	30	of	of	ADP
gp-256	209	31	customer	customer	NOUN
gp-256	209	32	segments	segment	NOUN
gp-256	209	33	and	and	CCONJ
gp-256	209	34	channel	channel	NOUN
gp-256	209	35	innovation	innovation	NOUN
gp-256	209	36	in	in	ADP
gp-256	209	37	ten	ten	NUM
gp-256	209	38	types	type	NOUN
gp-256	209	39	.	.	PUNCT
gp-256	210	1	o4	o4	VERB
gp-256	210	2	potential	potential	ADJ
gp-256	210	3	utilization	utilization	NOUN
gp-256	210	4	of	of	ADP
gp-256	210	5	advanced	advanced	ADJ
gp-256	210	6	technology	technology	NOUN
gp-256	210	7	(	(	PUNCT
gp-256	210	8	ai	ai	NOUN
gp-256	210	9	,	,	PUNCT
gp-256	210	10	big	big	ADJ
gp-256	210	11	data	datum	NOUN
gp-256	210	12	)	)	PUNCT
gp-256	210	13	quite	quite	ADV
gp-256	210	14	important	important	ADJ
gp-256	210	15	average	average	ADJ
gp-256	210	16	response	response	NOUN
gp-256	210	17	there	there	PRON
gp-256	210	18	is	be	VERB
gp-256	210	19	awareness	awareness	NOUN
gp-256	210	20	(	(	PUNCT
gp-256	210	21	"	"	PUNCT
gp-256	210	22	we	we	PRON
gp-256	210	23	are	be	AUX
gp-256	210	24	developing	develop	VERB
gp-256	210	25	"	"	PUNCT
gp-256	210	26	)	)	PUNCT
gp-256	210	27	,	,	PUNCT
gp-256	210	28	but	but	CCONJ
gp-256	210	29	there	there	PRON
gp-256	210	30	is	be	VERB
gp-256	210	31	no	no	DET
gp-256	210	32	evidence	evidence	NOUN
gp-256	210	33	of	of	ADP
gp-256	210	34	mature	mature	ADJ
gp-256	210	35	and	and	CCONJ
gp-256	210	36	proactive	proactive	ADJ
gp-256	210	37	implementation	implementation	NOUN
gp-256	210	38	of	of	ADP
gp-256	210	39	the	the	DET
gp-256	210	40	strategy	strategy	NOUN
gp-256	210	41	.	.	PUNCT
gp-256	211	1	the	the	DET
gp-256	211	2	response	response	NOUN
gp-256	211	3	is	be	AUX
gp-256	211	4	still	still	ADV
gp-256	211	5	in	in	ADP
gp-256	211	6	its	its	PRON
gp-256	211	7	early	early	ADJ
gp-256	211	8	stages	stage	NOUN
gp-256	211	9	.	.	PUNCT
gp-256	212	1	t1	t1	VERB
gp-256	212	2	high	high	ADJ
gp-256	212	3	credit	credit	NOUN
gp-256	212	4	,	,	PUNCT
gp-256	212	5	operational	operational	ADJ
gp-256	212	6	,	,	PUNCT
gp-256	212	7	and	and	CCONJ
gp-256	212	8	fraud	fraud	NOUN
gp-256	212	9	risk	risk	NOUN
gp-256	212	10	crucial	crucial	ADJ
gp-256	212	11	above	above	ADP
gp-256	212	12	-	-	PUNCT
gp-256	212	13	average	average	NOUN
gp-256	212	14	response	response	NOUN
gp-256	212	15	it	it	PRON
gp-256	212	16	is	be	AUX
gp-256	212	17	the	the	DET
gp-256	212	18	area	area	NOUN
gp-256	212	19	with	with	ADP
gp-256	212	20	the	the	DET
gp-256	212	21	largest	large	ADJ
gp-256	212	22	response	response	NOUN
gp-256	212	23	focus	focus	NOUN
gp-256	212	24	(	(	PUNCT
gp-256	212	25	60.30	60.30	NUM
gp-256	212	26	%	%	NOUN
gp-256	212	27	of	of	ADP
gp-256	212	28	citations	citation	NOUN
gp-256	212	29	)	)	PUNCT
gp-256	212	30	.	.	PUNCT
gp-256	213	1	many	many	ADJ
gp-256	213	2	mitigation	mitigation	NOUN
gp-256	213	3	mechanisms	mechanism	NOUN
gp-256	213	4	are	be	AUX
gp-256	213	5	implemented	implement	VERB
gp-256	213	6	.	.	PUNCT
gp-256	214	1	the	the	DET
gp-256	214	2	response	response	NOUN
gp-256	214	3	is	be	AUX
gp-256	214	4	very	very	ADV
gp-256	214	5	proactive	proactive	ADJ
gp-256	214	6	,	,	PUNCT
gp-256	214	7	but	but	CCONJ
gp-256	214	8	not	not	PART
gp-256	214	9	yet	yet	ADV
gp-256	214	10	"	"	PUNCT
gp-256	214	11	outstanding	outstanding	ADJ
gp-256	214	12	"	"	PUNCT
gp-256	214	13	because	because	SCONJ
gp-256	214	14	the	the	DET
gp-256	214	15	threat	threat	NOUN
gp-256	214	16	is	be	AUX
gp-256	214	17	still	still	ADV
gp-256	214	18	considered	consider	VERB
gp-256	214	19	very	very	ADV
gp-256	214	20	high	high	ADJ
gp-256	214	21	.	.	PUNCT
gp-256	215	1	t2	t2	NOUN
gp-256	215	2	reputational	reputational	ADJ
gp-256	215	3	risk	risk	NOUN
gp-256	215	4	due	due	ADP
gp-256	215	5	to	to	ADP
gp-256	215	6	collaboration	collaboration	NOUN
gp-256	215	7	failure	failure	NOUN
gp-256	215	8	important	important	ADJ
gp-256	215	9	above	above	ADP
gp-256	215	10	-	-	PUNCT
gp-256	215	11	average	average	NOUN
gp-256	215	12	response	response	NOUN
gp-256	215	13	a	a	DET
gp-256	215	14	very	very	ADV
gp-256	215	15	high	high	ADJ
gp-256	215	16	focus	focus	NOUN
gp-256	215	17	on	on	ADP
gp-256	215	18	risk	risk	NOUN
gp-256	215	19	mitigation	mitigation	NOUN
gp-256	215	20	(	(	PUNCT
gp-256	215	21	t1	t1	NOUN
gp-256	215	22	)	)	PUNCT
gp-256	215	23	and	and	CCONJ
gp-256	215	24	an	an	DET
gp-256	215	25	emphasis	emphasis	NOUN
gp-256	215	26	on	on	ADP
gp-256	215	27	safe	safe	ADJ
gp-256	215	28	brands	brand	NOUN
gp-256	215	29	are	be	AUX
gp-256	215	30	inherently	inherently	ADV
gp-256	215	31	powerful	powerful	ADJ
gp-256	215	32	responses	response	NOUN
gp-256	215	33	to	to	ADP
gp-256	215	34	protecting	protect	VERB
gp-256	215	35	reputations	reputation	NOUN
gp-256	215	36	.	.	PUNCT
gp-256	216	1	t3	t3	PROPN
gp-256	216	2	increased	increase	VERB
gp-256	216	3	competition	competition	NOUN
gp-256	216	4	from	from	ADP
gp-256	216	5	similar	similar	ADJ
gp-256	216	6	models	model	NOUN
gp-256	216	7	important	important	ADJ
gp-256	216	8	average	average	ADJ
gp-256	216	9	response	response	NOUN
gp-256	216	10	there	there	PRON
gp-256	216	11	is	be	VERB
gp-256	216	12	no	no	DET
gp-256	216	13	specific	specific	ADJ
gp-256	216	14	evidence	evidence	NOUN
gp-256	216	15	in	in	ADP
gp-256	216	16	the	the	DET
gp-256	216	17	data	datum	NOUN
gp-256	216	18	to	to	PART
gp-256	216	19	suggest	suggest	VERB
gp-256	216	20	a	a	DET
gp-256	216	21	structured	structured	ADJ
gp-256	216	22	strategy	strategy	NOUN
gp-256	216	23	for	for	ADP
gp-256	216	24	dealing	deal	VERB
gp-256	216	25	with	with	ADP
gp-256	216	26	competitors	competitor	NOUN
gp-256	216	27	.	.	PUNCT
gp-256	217	1	the	the	DET
gp-256	217	2	response	response	NOUN
gp-256	217	3	is	be	AUX
gp-256	217	4	indirect	indirect	ADJ
gp-256	217	5	(	(	PUNCT
gp-256	217	6	makes	make	VERB
gp-256	217	7	a	a	DET
gp-256	217	8	good	good	ADJ
gp-256	217	9	product	product	NOUN
gp-256	217	10	)	)	PUNCT
gp-256	217	11	.	.	PUNCT
gp-256	218	1	american	american	PROPN
gp-256	218	2	journal	journal	PROPN
gp-256	218	3	of	of	ADP
gp-256	218	4	economic	economic	ADJ
gp-256	218	5	and	and	CCONJ
gp-256	218	6	management	management	NOUN
gp-256	218	7	business	business	NOUN
gp-256	218	8	vol	vol	NOUN
gp-256	218	9	.	.	PROPN
gp-256	219	1	4	4	NUM
gp-256	219	2	no	no	NOUN
gp-256	219	3	.	.	NOUN
gp-256	219	4	8	8	NUM
gp-256	219	5	agustus	agustus	NOUN
gp-256	219	6	2025	2025	NUM
gp-256	219	7	1312	1312	NUM
gp-256	219	8	no	no	NOUN
gp-256	219	9	.	.	PUNCT
gp-256	220	1	factor	factor	NOUN
gp-256	220	2	(	(	PUNCT
gp-256	220	3	strengths	strength	NOUN
gp-256	220	4	&	&	CCONJ
gp-256	220	5	weaknesses	weakness	NOUN
gp-256	220	6	)	)	PUNCT
gp-256	220	7	weight	weight	NOUN
gp-256	220	8	(	(	PUNCT
gp-256	220	9	qualitative	qualitative	NOUN
gp-256	220	10	)	)	PUNCT
gp-256	220	11	ranking	rank	VERB
gp-256	220	12	(	(	PUNCT
gp-256	220	13	qualitative	qualitative	NOUN
gp-256	220	14	)	)	PUNCT
gp-256	220	15	justification	justification	NOUN
gp-256	220	16	of	of	ADP
gp-256	220	17	ratings	rating	NOUN
gp-256	220	18	&	&	CCONJ
gp-256	220	19	data	data	PROPN
gp-256	220	20	q4	q4	PROPN
gp-256	220	21	unexpected	unexpecte	VERB
gp-256	220	22	regulatory	regulatory	ADJ
gp-256	220	23	changes	change	NOUN
gp-256	220	24	quite	quite	ADV
gp-256	220	25	important	important	ADJ
gp-256	220	26	above	above	ADP
gp-256	220	27	-	-	PUNCT
gp-256	220	28	average	average	NOUN
gp-256	220	29	response	response	NOUN
gp-256	220	30	a	a	DET
gp-256	220	31	good	good	ADJ
gp-256	220	32	relationship	relationship	NOUN
gp-256	220	33	with	with	ADP
gp-256	220	34	the	the	DET
gp-256	220	35	ojk	ojk	NOUN
gp-256	220	36	and	and	CCONJ
gp-256	220	37	high	high	ADJ
gp-256	220	38	awareness	awareness	NOUN
gp-256	220	39	of	of	ADP
gp-256	220	40	internal	internal	ADJ
gp-256	220	41	regulations	regulation	NOUN
gp-256	220	42	indicate	indicate	VERB
gp-256	220	43	a	a	DET
gp-256	220	44	good	good	ADJ
gp-256	220	45	adaptability	adaptability	NOUN
gp-256	220	46	to	to	ADP
gp-256	220	47	policy	policy	NOUN
gp-256	220	48	dynamics	dynamic	NOUN
gp-256	220	49	.	.	PUNCT
gp-256	221	1	the	the	DET
gp-256	221	2	following	follow	VERB
gp-256	221	3	is	be	AUX
gp-256	221	4	an	an	DET
gp-256	221	5	in	in	ADP
gp-256	221	6	-	-	PUNCT
gp-256	221	7	depth	depth	NOUN
gp-256	221	8	explanation	explanation	NOUN
gp-256	221	9	of	of	ADP
gp-256	221	10	each	each	DET
gp-256	221	11	strategic	strategic	ADJ
gp-256	221	12	factor	factor	NOUN
gp-256	221	13	that	that	PRON
gp-256	221	14	has	have	AUX
gp-256	221	15	been	be	AUX
gp-256	221	16	identified	identify	VERB
gp-256	221	17	in	in	ADP
gp-256	221	18	the	the	DET
gp-256	221	19	swot	swot	PROPN
gp-256	221	20	matrix	matrix	NOUN
gp-256	221	21	above	above	ADV
gp-256	221	22	,	,	PUNCT
gp-256	221	23	complete	complete	ADJ
gp-256	221	24	with	with	ADP
gp-256	221	25	empirical	empirical	ADJ
gp-256	221	26	citation	citation	NOUN
gp-256	221	27	justifications	justification	NOUN
gp-256	221	28	and	and	CCONJ
gp-256	221	29	analytical	analytical	ADJ
gp-256	221	30	positions	position	NOUN
gp-256	221	31	based	base	VERB
gp-256	221	32	on	on	ADP
gp-256	221	33	the	the	DET
gp-256	221	34	bmc	bmc	NOUN
gp-256	221	35	framework	framework	NOUN
gp-256	221	36	and	and	CCONJ
gp-256	221	37	innovation	innovation	NOUN
gp-256	221	38	dimensions	dimension	NOUN
gp-256	221	39	1	1	NUM
gp-256	221	40	.	.	PUNCT
gp-256	221	41	strengths	strength	NOUN
gp-256	221	42	:	:	PUNCT
gp-256	221	43	innovative	innovative	ADJ
gp-256	221	44	and	and	CCONJ
gp-256	221	45	strategic	strategic	ADJ
gp-256	221	46	internal	internal	ADJ
gp-256	221	47	foundations	foundation	NOUN
gp-256	221	48	the	the	DET
gp-256	221	49	main	main	ADJ
gp-256	221	50	strength	strength	NOUN
gp-256	221	51	of	of	ADP
gp-256	221	52	this	this	DET
gp-256	221	53	collaboration	collaboration	NOUN
gp-256	221	54	lies	lie	VERB
gp-256	221	55	not	not	PART
gp-256	221	56	only	only	ADV
gp-256	221	57	in	in	ADP
gp-256	221	58	the	the	DET
gp-256	221	59	technical	technical	ADJ
gp-256	221	60	aspect	aspect	NOUN
gp-256	221	61	,	,	PUNCT
gp-256	221	62	but	but	CCONJ
gp-256	221	63	also	also	ADV
gp-256	221	64	in	in	ADP
gp-256	221	65	the	the	DET
gp-256	221	66	strategic	strategic	ADJ
gp-256	221	67	foundation	foundation	NOUN
gp-256	221	68	and	and	CCONJ
gp-256	221	69	innovation	innovation	NOUN
gp-256	221	70	capacity	capacity	NOUN
gp-256	221	71	that	that	PRON
gp-256	221	72	has	have	AUX
gp-256	221	73	been	be	AUX
gp-256	221	74	validated	validate	VERB
gp-256	221	75	.	.	PUNCT
gp-256	222	1	as	as	SCONJ
gp-256	222	2	confirmed	confirm	VERB
gp-256	222	3	in	in	ADP
gp-256	222	4	bank	bank	PROPN
gp-256	222	5	xyz	xyz	PROPN
gp-256	222	6	's	's	PART
gp-256	222	7	management	management	NOUN
gp-256	222	8	quote	quote	NOUN
gp-256	222	9	,	,	PUNCT
gp-256	222	10	this	this	DET
gp-256	222	11	collaboration	collaboration	NOUN
gp-256	222	12	is	be	AUX
gp-256	222	13	part	part	NOUN
gp-256	222	14	of	of	ADP
gp-256	222	15	the	the	DET
gp-256	222	16	long	long	ADJ
gp-256	222	17	-	-	PUNCT
gp-256	222	18	term	term	NOUN
gp-256	222	19	roadmap	roadmap	NOUN
gp-256	222	20	(	(	PUNCT
gp-256	222	21	s1	s1	NOUN
gp-256	222	22	)	)	PUNCT
gp-256	222	23	,	,	PUNCT
gp-256	222	24	not	not	PART
gp-256	222	25	just	just	ADV
gp-256	222	26	an	an	DET
gp-256	222	27	experimental	experimental	ADJ
gp-256	222	28	project	project	NOUN
gp-256	222	29	.	.	PUNCT
gp-256	223	1	this	this	DET
gp-256	223	2	commitment	commitment	NOUN
gp-256	223	3	is	be	AUX
gp-256	223	4	the	the	DET
gp-256	223	5	basis	basis	NOUN
gp-256	223	6	for	for	ADP
gp-256	223	7	the	the	DET
gp-256	223	8	birth	birth	NOUN
gp-256	223	9	of	of	ADP
gp-256	223	10	multidimensional	multidimensional	ADJ
gp-256	223	11	innovation	innovation	NOUN
gp-256	223	12	(	(	PUNCT
gp-256	223	13	s3	s3	PROPN
gp-256	223	14	)	)	PUNCT
gp-256	223	15	in	in	ADP
gp-256	223	16	various	various	ADJ
gp-256	223	17	aspects	aspect	NOUN
gp-256	223	18	:	:	PUNCT
gp-256	223	19	from	from	ADP
gp-256	223	20	the	the	DET
gp-256	223	21	digitization	digitization	NOUN
gp-256	223	22	process	process	NOUN
gp-256	223	23	,	,	PUNCT
gp-256	223	24	application	application	NOUN
gp-256	223	25	-	-	PUNCT
gp-256	223	26	based	base	VERB
gp-256	223	27	distribution	distribution	NOUN
gp-256	223	28	channels	channel	NOUN
gp-256	223	29	,	,	PUNCT
gp-256	223	30	to	to	ADP
gp-256	223	31	hybrid	hybrid	ADJ
gp-256	223	32	service	service	NOUN
gp-256	223	33	models	model	NOUN
gp-256	223	34	.	.	PUNCT
gp-256	224	1	this	this	PRON
gp-256	224	2	is	be	AUX
gp-256	224	3	explicitly	explicitly	ADV
gp-256	224	4	reflected	reflect	VERB
gp-256	224	5	in	in	ADP
gp-256	224	6	the	the	DET
gp-256	224	7	mapping	mapping	NOUN
gp-256	224	8	of	of	ADP
gp-256	224	9	the	the	DET
gp-256	224	10	ten	ten	NUM
gp-256	224	11	types	type	NOUN
gp-256	224	12	of	of	ADP
gp-256	224	13	innovation	innovation	NOUN
gp-256	224	14	.	.	PUNCT
gp-256	225	1	furthermore	furthermore	ADV
gp-256	225	2	,	,	PUNCT
gp-256	225	3	the	the	DET
gp-256	225	4	effectiveness	effectiveness	NOUN
gp-256	225	5	of	of	ADP
gp-256	225	6	this	this	DET
gp-256	225	7	collaboration	collaboration	NOUN
gp-256	225	8	is	be	AUX
gp-256	225	9	felt	feel	VERB
gp-256	225	10	directly	directly	ADV
gp-256	225	11	by	by	ADP
gp-256	225	12	borrowers	borrower	NOUN
gp-256	225	13	as	as	SCONJ
gp-256	225	14	evidenced	evidence	VERB
gp-256	225	15	by	by	ADP
gp-256	225	16	their	their	PRON
gp-256	225	17	statements	statement	NOUN
gp-256	225	18	regarding	regard	VERB
gp-256	225	19	service	service	NOUN
gp-256	225	20	speed	speed	NOUN
gp-256	225	21	and	and	CCONJ
gp-256	225	22	efficiency	efficiency	NOUN
gp-256	225	23	(	(	PUNCT
gp-256	225	24	s2	s2	PROPN
gp-256	225	25	)	)	PUNCT
gp-256	225	26	.	.	PUNCT
gp-256	226	1	meanwhile	meanwhile	ADV
gp-256	226	2	,	,	PUNCT
gp-256	226	3	complementary	complementary	ADJ
gp-256	226	4	partnerships	partnership	NOUN
gp-256	226	5	(	(	PUNCT
gp-256	226	6	s4	s4	PROPN
gp-256	226	7	)	)	PUNCT
gp-256	226	8	between	between	ADP
gp-256	226	9	banks	bank	NOUN
gp-256	226	10	as	as	ADP
gp-256	226	11	capital	capital	NOUN
gp-256	226	12	providers	provider	NOUN
gp-256	226	13	and	and	CCONJ
gp-256	226	14	fintech	fintech	NOUN
gp-256	226	15	as	as	ADP
gp-256	226	16	technology	technology	NOUN
gp-256	226	17	providers	provider	NOUN
gp-256	226	18	strengthen	strengthen	VERB
gp-256	226	19	operational	operational	ADJ
gp-256	226	20	competitiveness	competitiveness	NOUN
gp-256	226	21	.	.	PUNCT
gp-256	227	1	this	this	DET
gp-256	227	2	collaboration	collaboration	NOUN
gp-256	227	3	shows	show	VERB
gp-256	227	4	that	that	SCONJ
gp-256	227	5	cross	cross	ADJ
gp-256	227	6	-	-	ADJ
gp-256	227	7	entity	entity	ADJ
gp-256	227	8	synergy	synergy	NOUN
gp-256	227	9	is	be	AUX
gp-256	227	10	able	able	ADJ
gp-256	227	11	to	to	PART
gp-256	227	12	create	create	VERB
gp-256	227	13	a	a	DET
gp-256	227	14	competitive	competitive	ADJ
gp-256	227	15	advantage	advantage	NOUN
gp-256	227	16	based	base	VERB
gp-256	227	17	on	on	ADP
gp-256	227	18	the	the	DET
gp-256	227	19	capabilities	capability	NOUN
gp-256	227	20	of	of	ADP
gp-256	227	21	each	each	DET
gp-256	227	22	party	party	NOUN
gp-256	227	23	.	.	PUNCT
gp-256	228	1	2	2	X
gp-256	228	2	.	.	X
gp-256	228	3	weaknesses	weakness	NOUN
gp-256	228	4	:	:	PUNCT
gp-256	228	5	internal	internal	ADJ
gp-256	228	6	friction	friction	NOUN
gp-256	228	7	in	in	ADP
gp-256	228	8	collaboration	collaboration	NOUN
gp-256	228	9	strategy	strategy	NOUN
gp-256	228	10	behind	behind	ADP
gp-256	228	11	innovative	innovative	ADJ
gp-256	228	12	excellence	excellence	NOUN
gp-256	228	13	,	,	PUNCT
gp-256	228	14	there	there	PRON
gp-256	228	15	are	be	VERB
gp-256	228	16	weaknesses	weakness	NOUN
gp-256	228	17	that	that	PRON
gp-256	228	18	stem	stem	VERB
gp-256	228	19	from	from	ADP
gp-256	228	20	differences	difference	NOUN
gp-256	228	21	in	in	ADP
gp-256	228	22	organizational	organizational	ADJ
gp-256	228	23	culture	culture	NOUN
gp-256	228	24	and	and	CCONJ
gp-256	228	25	operational	operational	ADJ
gp-256	228	26	structure	structure	NOUN
gp-256	228	27	.	.	PUNCT
gp-256	229	1	cultural	cultural	ADJ
gp-256	229	2	tension	tension	NOUN
gp-256	229	3	(	(	PUNCT
gp-256	229	4	w1	w1	NOUN
gp-256	229	5	)	)	PUNCT
gp-256	229	6	is	be	AUX
gp-256	229	7	one	one	NUM
gp-256	229	8	of	of	ADP
gp-256	229	9	the	the	DET
gp-256	229	10	main	main	ADJ
gp-256	229	11	weaknesses	weakness	NOUN
gp-256	229	12	identified	identify	VERB
gp-256	229	13	through	through	ADP
gp-256	229	14	triangulation	triangulation	NOUN
gp-256	229	15	of	of	ADP
gp-256	229	16	resource	resource	NOUN
gp-256	229	17	persons	person	NOUN
gp-256	229	18	.	.	PUNCT
gp-256	230	1	banks	bank	NOUN
gp-256	230	2	tend	tend	VERB
gp-256	230	3	to	to	PART
gp-256	230	4	emphasize	emphasize	VERB
gp-256	230	5	the	the	DET
gp-256	230	6	principles	principle	NOUN
gp-256	230	7	of	of	ADP
gp-256	230	8	prudence	prudence	NOUN
gp-256	230	9	and	and	CCONJ
gp-256	230	10	multilayered	multilayered	ADJ
gp-256	230	11	control	control	NOUN
gp-256	230	12	,	,	PUNCT
gp-256	230	13	while	while	SCONJ
gp-256	230	14	fintech	fintech	NOUN
gp-256	230	15	partners	partner	NOUN
gp-256	230	16	emphasize	emphasize	VERB
gp-256	230	17	speed	speed	NOUN
gp-256	230	18	and	and	CCONJ
gp-256	230	19	user	user	NOUN
gp-256	230	20	experience	experience	NOUN
gp-256	230	21	.	.	PUNCT
gp-256	231	1	this	this	PRON
gp-256	231	2	has	have	VERB
gp-256	231	3	implications	implication	NOUN
gp-256	231	4	for	for	ADP
gp-256	231	5	the	the	DET
gp-256	231	6	rigidity	rigidity	NOUN
gp-256	231	7	of	of	ADP
gp-256	231	8	the	the	DET
gp-256	231	9	bank	bank	NOUN
gp-256	231	10	system	system	NOUN
gp-256	231	11	(	(	PUNCT
gp-256	231	12	w2	w2	NOUN
gp-256	231	13	)	)	PUNCT
gp-256	231	14	and	and	CCONJ
gp-256	231	15	the	the	DET
gp-256	231	16	inhibition	inhibition	NOUN
gp-256	231	17	of	of	ADP
gp-256	231	18	real	real	ADJ
gp-256	231	19	-	-	PUNCT
gp-256	231	20	time	time	NOUN
gp-256	231	21	synchronization	synchronization	NOUN
gp-256	231	22	with	with	ADP
gp-256	231	23	the	the	DET
gp-256	231	24	p2p	p2p	NOUN
gp-256	231	25	system	system	NOUN
gp-256	231	26	.	.	PUNCT
gp-256	232	1	other	other	ADJ
gp-256	232	2	weaknesses	weakness	NOUN
gp-256	232	3	include	include	VERB
gp-256	232	4	limited	limited	ADJ
gp-256	232	5	human	human	ADJ
gp-256	232	6	resources	resource	NOUN
gp-256	232	7	(	(	PUNCT
gp-256	232	8	w3	w3	PROPN
gp-256	232	9	)	)	PUNCT
gp-256	232	10	who	who	PRON
gp-256	232	11	are	be	AUX
gp-256	232	12	not	not	PART
gp-256	232	13	fully	fully	ADV
gp-256	232	14	ready	ready	ADJ
gp-256	232	15	to	to	PART
gp-256	232	16	adopt	adopt	VERB
gp-256	232	17	a	a	DET
gp-256	232	18	digital	digital	NOUN
gp-256	232	19	-	-	PUNCT
gp-256	232	20	based	base	VERB
gp-256	232	21	collaborative	collaborative	ADJ
gp-256	232	22	model	model	NOUN
gp-256	232	23	,	,	PUNCT
gp-256	232	24	as	as	ADV
gp-256	232	25	well	well	ADV
gp-256	232	26	as	as	ADP
gp-256	232	27	a	a	DET
gp-256	232	28	centralized	centralized	ADJ
gp-256	232	29	final	final	ADJ
gp-256	232	30	approval	approval	NOUN
gp-256	232	31	process	process	NOUN
gp-256	232	32	(	(	PUNCT
gp-256	232	33	w4	w4	NOUN
gp-256	232	34	)	)	PUNCT
gp-256	232	35	,	,	PUNCT
gp-256	232	36	slowing	slow	VERB
gp-256	232	37	down	down	ADP
gp-256	232	38	automation	automation	NOUN
gp-256	232	39	in	in	ADP
gp-256	232	40	daily	daily	ADJ
gp-256	232	41	operations	operation	NOUN
gp-256	232	42	.	.	PUNCT
gp-256	233	1	3	3	X
gp-256	233	2	.	.	X
gp-256	233	3	opportunities	opportunity	NOUN
gp-256	233	4	:	:	PUNCT
gp-256	233	5	external	external	ADJ
gp-256	233	6	environment	environment	NOUN
gp-256	233	7	that	that	PRON
gp-256	233	8	supports	support	VERB
gp-256	233	9	growth	growth	NOUN
gp-256	233	10	this	this	DET
gp-256	233	11	collaboration	collaboration	NOUN
gp-256	233	12	model	model	NOUN
gp-256	233	13	benefits	benefit	NOUN
gp-256	233	14	from	from	ADP
gp-256	233	15	a	a	DET
gp-256	233	16	supportive	supportive	ADJ
gp-256	233	17	external	external	ADJ
gp-256	233	18	constellation	constellation	NOUN
gp-256	233	19	.	.	PUNCT
gp-256	234	1	the	the	DET
gp-256	234	2	main	main	ADJ
gp-256	234	3	opportunity	opportunity	NOUN
gp-256	234	4	comes	come	VERB
gp-256	234	5	from	from	ADP
gp-256	234	6	the	the	DET
gp-256	234	7	direction	direction	NOUN
gp-256	234	8	of	of	ADP
gp-256	234	9	the	the	DET
gp-256	234	10	regulator	regulator	NOUN
gp-256	234	11	(	(	PUNCT
gp-256	234	12	o1	o1	NOUN
gp-256	234	13	)	)	PUNCT
gp-256	234	14	,	,	PUNCT
gp-256	234	15	where	where	SCONJ
gp-256	234	16	the	the	DET
gp-256	234	17	ojk	ojk	NOUN
gp-256	234	18	actively	actively	ADV
gp-256	234	19	encourages	encourage	VERB
gp-256	234	20	a	a	DET
gp-256	234	21	cooperation	cooperation	NOUN
gp-256	234	22	model	model	NOUN
gp-256	234	23	between	between	ADP
gp-256	234	24	banks	bank	NOUN
gp-256	234	25	and	and	CCONJ
gp-256	234	26	fintech	fintech	NOUN
gp-256	234	27	within	within	ADP
gp-256	234	28	the	the	DET
gp-256	234	29	framework	framework	NOUN
gp-256	234	30	of	of	ADP
gp-256	234	31	the	the	DET
gp-256	234	32	regulatory	regulatory	ADJ
gp-256	234	33	sandbox	sandbox	NOUN
gp-256	234	34	and	and	CCONJ
gp-256	234	35	open	open	ADJ
gp-256	234	36	api	api	NOUN
gp-256	234	37	.	.	PUNCT
gp-256	235	1	in	in	ADP
gp-256	235	2	addition	addition	NOUN
gp-256	235	3	,	,	PUNCT
gp-256	235	4	the	the	DET
gp-256	235	5	rapid	rapid	ADJ
gp-256	235	6	increase	increase	NOUN
gp-256	235	7	in	in	ADP
gp-256	235	8	digital	digital	ADJ
gp-256	235	9	financing	financing	NOUN
gp-256	235	10	needs	need	NOUN
gp-256	235	11	,	,	PUNCT
gp-256	235	12	especially	especially	ADV
gp-256	235	13	from	from	ADP
gp-256	235	14	the	the	DET
gp-256	235	15	asn	asn	PROPN
gp-256	235	16	,	,	PUNCT
gp-256	235	17	retirees	retiree	NOUN
gp-256	235	18	,	,	PUNCT
gp-256	235	19	and	and	CCONJ
gp-256	235	20	informal	informal	ADJ
gp-256	235	21	workers	worker	NOUN
gp-256	235	22	segments	segment	NOUN
gp-256	235	23	,	,	PUNCT
gp-256	235	24	creates	create	VERB
gp-256	235	25	an	an	DET
gp-256	235	26	expansion	expansion	NOUN
gp-256	235	27	space	space	NOUN
gp-256	235	28	(	(	PUNCT
gp-256	235	29	o2	o2	PROPN
gp-256	235	30	–	–	PUNCT
gp-256	235	31	o3	o3	PROPN
gp-256	235	32	)	)	PUNCT
gp-256	235	33	that	that	PRON
gp-256	235	34	has	have	AUX
gp-256	235	35	not	not	PART
gp-256	235	36	been	be	AUX
gp-256	235	37	worked	work	VERB
gp-256	235	38	on	on	ADP
gp-256	235	39	by	by	ADP
gp-256	235	40	conventional	conventional	ADJ
gp-256	235	41	channels	channel	NOUN
gp-256	235	42	.	.	PUNCT
gp-256	236	1	this	this	DET
gp-256	236	2	collaboration	collaboration	NOUN
gp-256	236	3	also	also	ADV
gp-256	236	4	paves	pave	VERB
gp-256	236	5	the	the	DET
gp-256	236	6	way	way	NOUN
gp-256	236	7	for	for	ADP
gp-256	236	8	the	the	DET
gp-256	236	9	use	use	NOUN
gp-256	236	10	of	of	ADP
gp-256	236	11	ai	ai	NOUN
gp-256	236	12	-	-	PUNCT
gp-256	236	13	based	base	VERB
gp-256	236	14	technology	technology	NOUN
gp-256	236	15	,	,	PUNCT
gp-256	236	16	machine	machine	NOUN
gp-256	236	17	learning	learning	NOUN
gp-256	236	18	,	,	PUNCT
gp-256	236	19	and	and	CCONJ
gp-256	236	20	big	big	ADJ
gp-256	236	21	data	datum	NOUN
gp-256	236	22	scoring	scoring	NOUN
gp-256	236	23	(	(	PUNCT
gp-256	236	24	o4	o4	PROPN
gp-256	236	25	)	)	PUNCT
gp-256	236	26	,	,	PUNCT
gp-256	236	27	which	which	PRON
gp-256	236	28	if	if	SCONJ
gp-256	236	29	used	use	VERB
gp-256	236	30	strategically	strategically	ADV
gp-256	236	31	can	can	AUX
gp-256	236	32	result	result	VERB
gp-256	236	33	in	in	ADP
gp-256	236	34	service	service	NOUN
gp-256	236	35	differentiation	differentiation	NOUN
gp-256	236	36	while	while	SCONJ
gp-256	236	37	strengthening	strengthen	VERB
gp-256	236	38	the	the	DET
gp-256	236	39	accuracy	accuracy	NOUN
gp-256	236	40	of	of	ADP
gp-256	236	41	risk	risk	NOUN
gp-256	236	42	mitigation	mitigation	NOUN
gp-256	236	43	.	.	PUNCT
gp-256	237	1	4	4	X
gp-256	237	2	.	.	X
gp-256	237	3	threats	threat	NOUN
gp-256	237	4	:	:	PUNCT
gp-256	237	5	risk	risk	NOUN
gp-256	237	6	as	as	SCONJ
gp-256	237	7	the	the	DET
gp-256	237	8	main	main	ADJ
gp-256	237	9	key	key	NOUN
gp-256	237	10	to	to	ADP
gp-256	237	11	sustainability	sustainability	NOUN
gp-256	237	12	nvivo	nvivo	ADJ
gp-256	237	13	coding	code	VERB
gp-256	237	14	data	datum	NOUN
gp-256	237	15	shows	show	VERB
gp-256	237	16	that	that	SCONJ
gp-256	237	17	the	the	DET
gp-256	237	18	risk	risk	NOUN
gp-256	237	19	aspect	aspect	NOUN
gp-256	237	20	is	be	AUX
gp-256	237	21	the	the	DET
gp-256	237	22	dominant	dominant	ADJ
gp-256	237	23	theme	theme	NOUN
gp-256	237	24	in	in	ADP
gp-256	237	25	the	the	DET
gp-256	237	26	overall	overall	ADJ
gp-256	237	27	interview	interview	NOUN
gp-256	237	28	.	.	PUNCT
gp-256	238	1	about	about	ADV
gp-256	238	2	60.30	60.30	NUM
gp-256	238	3	%	%	NOUN
gp-256	238	4	of	of	ADP
gp-256	238	5	the	the	DET
gp-256	238	6	quotes	quote	NOUN
gp-256	238	7	refer	refer	VERB
gp-256	238	8	to	to	ADP
gp-256	238	9	various	various	ADJ
gp-256	238	10	forms	form	NOUN
gp-256	238	11	of	of	ADP
gp-256	238	12	risk	risk	NOUN
gp-256	238	13	,	,	PUNCT
gp-256	238	14	especially	especially	ADV
gp-256	238	15	credit	credit	NOUN
gp-256	238	16	and	and	CCONJ
gp-256	238	17	fraud	fraud	NOUN
gp-256	238	18	(	(	PUNCT
gp-256	238	19	t1	t1	NOUN
gp-256	238	20	)	)	PUNCT
gp-256	238	21	risk	risk	NOUN
gp-256	238	22	.	.	PUNCT
gp-256	239	1	this	this	PRON
gp-256	239	2	shows	show	VERB
gp-256	239	3	that	that	SCONJ
gp-256	239	4	risk	risk	NOUN
gp-256	239	5	management	management	NOUN
gp-256	239	6	is	be	AUX
gp-256	239	7	not	not	PART
gp-256	239	8	only	only	ADV
gp-256	239	9	a	a	DET
gp-256	239	10	supporting	support	VERB
gp-256	239	11	factor	factor	NOUN
gp-256	239	12	,	,	PUNCT
gp-256	239	13	but	but	CCONJ
gp-256	239	14	a	a	DET
gp-256	239	15	central	central	ADJ
gp-256	239	16	point	point	NOUN
gp-256	239	17	in	in	ADP
gp-256	239	18	the	the	DET
gp-256	239	19	success	success	NOUN
gp-256	239	20	of	of	ADP
gp-256	239	21	collaboration	collaboration	NOUN
gp-256	239	22	.	.	PUNCT
gp-256	240	1	if	if	SCONJ
gp-256	240	2	not	not	PART
gp-256	240	3	addressed	address	VERB
gp-256	240	4	with	with	ADP
gp-256	240	5	a	a	DET
gp-256	240	6	systemic	systemic	ADJ
gp-256	240	7	approach	approach	NOUN
gp-256	240	8	,	,	PUNCT
gp-256	240	9	these	these	DET
gp-256	240	10	risks	risk	NOUN
gp-256	240	11	can	can	AUX
gp-256	240	12	spill	spill	VERB
gp-256	240	13	over	over	ADP
gp-256	240	14	into	into	ADP
gp-256	240	15	the	the	DET
gp-256	240	16	reputation	reputation	NOUN
gp-256	240	17	(	(	PUNCT
gp-256	240	18	t2	t2	NOUN
gp-256	240	19	)	)	PUNCT
gp-256	240	20	aspect	aspect	NOUN
gp-256	240	21	and	and	CCONJ
gp-256	240	22	the	the	DET
gp-256	240	23	sustainability	sustainability	NOUN
gp-256	240	24	of	of	ADP
gp-256	240	25	the	the	DET
gp-256	240	26	cooperation	cooperation	NOUN
gp-256	240	27	itself	itself	PRON
gp-256	240	28	.	.	PUNCT
gp-256	241	1	on	on	ADP
gp-256	241	2	the	the	DET
gp-256	241	3	other	other	ADJ
gp-256	241	4	hand	hand	NOUN
gp-256	241	5	,	,	PUNCT
gp-256	241	6	increasing	increase	VERB
gp-256	241	7	competition	competition	NOUN
gp-256	241	8	between	between	ADP
gp-256	241	9	similar	similar	ADJ
gp-256	241	10	collaboration	collaboration	NOUN
gp-256	241	11	models	model	NOUN
gp-256	241	12	(	(	PUNCT
gp-256	241	13	t3	t3	PROPN
gp-256	241	14	)	)	PUNCT
gp-256	241	15	,	,	PUNCT
gp-256	241	16	including	include	VERB
gp-256	241	17	from	from	ADP
gp-256	241	18	large	large	ADJ
gp-256	241	19	banks	bank	NOUN
gp-256	241	20	and	and	CCONJ
gp-256	241	21	global	global	ADJ
gp-256	241	22	fintechs	fintech	NOUN
gp-256	241	23	,	,	PUNCT
gp-256	241	24	makes	make	VERB
gp-256	241	25	competitive	competitive	ADJ
gp-256	241	26	advantage	advantage	NOUN
gp-256	241	27	american	american	ADJ
gp-256	241	28	journal	journal	PROPN
gp-256	241	29	of	of	ADP
gp-256	241	30	economic	economic	ADJ
gp-256	241	31	and	and	CCONJ
gp-256	241	32	management	management	NOUN
gp-256	241	33	business	business	NOUN
gp-256	241	34	vol	vol	NOUN
gp-256	241	35	.	.	PROPN
gp-256	242	1	4	4	NUM
gp-256	243	1	no	no	NOUN
gp-256	243	2	.	.	NOUN
gp-256	243	3	8	8	NUM
gp-256	243	4	agustus	agustus	NOUN
gp-256	243	5	2025	2025	NUM
gp-256	243	6	1313	1313	NUM
gp-256	243	7	not	not	PART
gp-256	243	8	fixed	fix	VERB
gp-256	243	9	.	.	PUNCT
gp-256	244	1	therefore	therefore	ADV
gp-256	244	2	,	,	PUNCT
gp-256	244	3	the	the	DET
gp-256	244	4	speed	speed	NOUN
gp-256	244	5	of	of	ADP
gp-256	244	6	innovation	innovation	NOUN
gp-256	244	7	and	and	CCONJ
gp-256	244	8	resilience	resilience	NOUN
gp-256	244	9	to	to	ADP
gp-256	244	10	risks	risk	NOUN
gp-256	244	11	must	must	AUX
gp-256	244	12	be	be	AUX
gp-256	244	13	a	a	DET
gp-256	244	14	sustainable	sustainable	ADJ
gp-256	244	15	strategic	strategic	ADJ
gp-256	244	16	agenda	agenda	NOUN
gp-256	244	17	.	.	PUNCT
gp-256	245	1	the	the	DET
gp-256	245	2	swot	swot	PROPN
gp-256	245	3	synthesis	synthesis	NOUN
gp-256	245	4	above	above	ADV
gp-256	245	5	reveals	reveal	VERB
gp-256	245	6	a	a	DET
gp-256	245	7	fundamental	fundamental	ADJ
gp-256	245	8	strategic	strategic	ADJ
gp-256	245	9	paradox	paradox	NOUN
gp-256	245	10	.	.	PUNCT
gp-256	246	1	on	on	ADP
gp-256	246	2	the	the	DET
gp-256	246	3	one	one	NUM
gp-256	246	4	hand	hand	NOUN
gp-256	246	5	,	,	PUNCT
gp-256	246	6	this	this	DET
gp-256	246	7	collaboration	collaboration	NOUN
gp-256	246	8	is	be	AUX
gp-256	246	9	an	an	DET
gp-256	246	10	innovation	innovation	NOUN
gp-256	246	11	engine	engine	NOUN
gp-256	246	12	capable	capable	ADJ
gp-256	246	13	of	of	ADP
gp-256	246	14	transforming	transform	VERB
gp-256	246	15	business	business	NOUN
gp-256	246	16	processes	process	NOUN
gp-256	246	17	and	and	CCONJ
gp-256	246	18	creating	create	VERB
gp-256	246	19	significant	significant	ADJ
gp-256	246	20	added	add	VERB
gp-256	246	21	value	value	NOUN
gp-256	246	22	driven	drive	VERB
gp-256	246	23	by	by	ADP
gp-256	246	24	broad	broad	ADJ
gp-256	246	25	market	market	NOUN
gp-256	246	26	opportunities	opportunity	NOUN
gp-256	246	27	and	and	CCONJ
gp-256	246	28	progressive	progressive	ADJ
gp-256	246	29	regulatory	regulatory	ADJ
gp-256	246	30	support	support	NOUN
gp-256	246	31	.	.	PUNCT
gp-256	247	1	on	on	ADP
gp-256	247	2	the	the	DET
gp-256	247	3	other	other	ADJ
gp-256	247	4	hand	hand	NOUN
gp-256	247	5	,	,	PUNCT
gp-256	247	6	this	this	DET
gp-256	247	7	innovation	innovation	NOUN
gp-256	247	8	machine	machine	NOUN
gp-256	247	9	runs	run	VERB
gp-256	247	10	on	on	ADP
gp-256	247	11	a	a	DET
gp-256	247	12	"	"	PUNCT
gp-256	247	13	handbrake	handbrake	NOUN
gp-256	247	14	"	"	PUNCT
gp-256	247	15	that	that	PRON
gp-256	247	16	is	be	AUX
gp-256	247	17	strongly	strongly	ADV
gp-256	247	18	drawn	draw	VERB
gp-256	247	19	.	.	PUNCT
gp-256	248	1	the	the	DET
gp-256	248	2	brake	brake	NOUN
gp-256	248	3	is	be	AUX
gp-256	248	4	the	the	DET
gp-256	248	5	high	high	ADJ
gp-256	248	6	reality	reality	NOUN
gp-256	248	7	of	of	ADP
gp-256	248	8	risk	risk	NOUN
gp-256	248	9	that	that	PRON
gp-256	248	10	overshadows	overshadow	VERB
gp-256	248	11	both	both	DET
gp-256	248	12	credit	credit	NOUN
gp-256	248	13	and	and	CCONJ
gp-256	248	14	operational	operational	ADJ
gp-256	248	15	and	and	CCONJ
gp-256	248	16	reputational	reputational	ADJ
gp-256	248	17	risks	risk	NOUN
gp-256	248	18	that	that	PRON
gp-256	248	19	are	be	AUX
gp-256	248	20	exacerbated	exacerbate	VERB
gp-256	248	21	by	by	ADP
gp-256	248	22	internal	internal	ADJ
gp-256	248	23	weaknesses	weakness	NOUN
gp-256	248	24	such	such	ADJ
gp-256	248	25	as	as	ADP
gp-256	248	26	operational	operational	ADJ
gp-256	248	27	friction	friction	NOUN
gp-256	248	28	and	and	CCONJ
gp-256	248	29	technological	technological	ADJ
gp-256	248	30	system	system	NOUN
gp-256	248	31	limitations	limitation	NOUN
gp-256	248	32	.	.	PUNCT
gp-256	249	1	this	this	DET
gp-256	249	2	situation	situation	NOUN
gp-256	249	3	puts	put	VERB
gp-256	249	4	organizations	organization	NOUN
gp-256	249	5	at	at	ADP
gp-256	249	6	a	a	DET
gp-256	249	7	strategic	strategic	ADJ
gp-256	249	8	crossroads	crossroad	NOUN
gp-256	249	9	:	:	PUNCT
gp-256	249	10	how	how	SCONJ
gp-256	249	11	to	to	PART
gp-256	249	12	unleash	unleash	VERB
gp-256	249	13	the	the	DET
gp-256	249	14	potential	potential	NOUN
gp-256	249	15	of	of	ADP
gp-256	249	16	innovation	innovation	NOUN
gp-256	249	17	without	without	ADP
gp-256	249	18	ignoring	ignore	VERB
gp-256	249	19	the	the	DET
gp-256	249	20	dominance	dominance	NOUN
gp-256	249	21	of	of	ADP
gp-256	249	22	risk	risk	NOUN
gp-256	249	23	threats	threat	NOUN
gp-256	249	24	.	.	PUNCT
gp-256	250	1	responsive	responsive	ADJ
gp-256	250	2	strategy	strategy	NOUN
gp-256	250	3	formulation	formulation	NOUN
gp-256	250	4	tows	tow	NOUN
gp-256	250	5	advanced	advance	VERB
gp-256	250	6	analysis	analysis	NOUN
gp-256	250	7	to	to	PART
gp-256	250	8	answer	answer	VERB
gp-256	250	9	this	this	DET
gp-256	250	10	dilemma	dilemma	NOUN
gp-256	250	11	,	,	PUNCT
gp-256	250	12	the	the	DET
gp-256	250	13	tows	tow	NOUN
gp-256	250	14	framework	framework	NOUN
gp-256	250	15	is	be	AUX
gp-256	250	16	used	use	VERB
gp-256	250	17	as	as	ADP
gp-256	250	18	a	a	DET
gp-256	250	19	strategy	strategy	NOUN
gp-256	250	20	formulation	formulation	NOUN
gp-256	250	21	tool	tool	NOUN
gp-256	250	22	that	that	PRON
gp-256	250	23	balances	balance	VERB
gp-256	250	24	offensive	offensive	ADJ
gp-256	250	25	thrust	thrust	NOUN
gp-256	250	26	and	and	CCONJ
gp-256	250	27	defensive	defensive	ADJ
gp-256	250	28	needs	need	NOUN
gp-256	250	29	.	.	PUNCT
gp-256	251	1	the	the	DET
gp-256	251	2	four	four	NUM
gp-256	251	3	main	main	ADJ
gp-256	251	4	strategies	strategy	NOUN
gp-256	251	5	are	be	AUX
gp-256	251	6	formulated	formulate	VERB
gp-256	251	7	as	as	SCONJ
gp-256	251	8	follows	follow	VERB
gp-256	251	9	:	:	PUNCT
gp-256	251	10	table	table	NOUN
gp-256	251	11	5	5	NUM
gp-256	251	12	.	.	PUNCT
gp-256	252	1	tow	tow	NOUN
gp-256	252	2	analysis	analysis	NOUN
gp-256	252	3	opportunities	opportunity	NOUN
gp-256	252	4	(	(	PUNCT
gp-256	252	5	o	o	NOUN
gp-256	252	6	)	)	PUNCT
gp-256	252	7	threats	threat	NOUN
gp-256	252	8	(	(	PUNCT
gp-256	252	9	t	t	NOUN
gp-256	252	10	)	)	PUNCT
gp-256	252	11	strengths	strength	NOUN
gp-256	252	12	(	(	PUNCT
gp-256	252	13	s	s	X
gp-256	252	14	)	)	PUNCT
gp-256	252	15	so	so	ADV
gp-256	252	16	strategy	strategy	NOUN
gp-256	252	17	–	–	PUNCT
gp-256	252	18	harnessing	harness	VERB
gp-256	252	19	the	the	DET
gp-256	252	20	power	power	NOUN
gp-256	252	21	of	of	ADP
gp-256	252	22	innovation	innovation	NOUN
gp-256	252	23	(	(	PUNCT
gp-256	252	24	s3	s3	PROPN
gp-256	252	25	)	)	PUNCT
gp-256	252	26	and	and	CCONJ
gp-256	252	27	management	management	NOUN
gp-256	252	28	commitment	commitment	NOUN
gp-256	252	29	(	(	PUNCT
gp-256	252	30	s1	s1	NOUN
gp-256	252	31	)	)	PUNCT
gp-256	252	32	to	to	PART
gp-256	252	33	pursue	pursue	VERB
gp-256	252	34	new	new	ADJ
gp-256	252	35	market	market	NOUN
gp-256	252	36	opportunities	opportunity	NOUN
gp-256	252	37	(	(	PUNCT
gp-256	252	38	o2	o2	PROPN
gp-256	252	39	,	,	PUNCT
gp-256	252	40	o3	o3	PROPN
gp-256	252	41	)	)	PUNCT
gp-256	252	42	.	.	PUNCT
gp-256	253	1	focus	focus	NOUN
gp-256	253	2	:	:	PUNCT
gp-256	253	3	expansion	expansion	NOUN
gp-256	253	4	and	and	CCONJ
gp-256	253	5	positioning	positioning	NOUN
gp-256	253	6	.	.	PUNCT
gp-256	254	1	st	st	PROPN
gp-256	254	2	strategy	strategy	NOUN
gp-256	254	3	–	–	PUNCT
gp-256	254	4	transform	transform	VERB
gp-256	254	5	the	the	DET
gp-256	254	6	power	power	NOUN
gp-256	254	7	of	of	ADP
gp-256	254	8	innovation	innovation	NOUN
gp-256	254	9	(	(	PUNCT
gp-256	254	10	s3	s3	PROPN
gp-256	254	11	)	)	PUNCT
gp-256	254	12	and	and	CCONJ
gp-256	254	13	partnership	partnership	NOUN
gp-256	254	14	(	(	PUNCT
gp-256	254	15	s4	s4	PROPN
gp-256	254	16	)	)	PUNCT
gp-256	254	17	into	into	ADP
gp-256	254	18	a	a	DET
gp-256	254	19	system	system	NOUN
gp-256	254	20	of	of	ADP
gp-256	254	21	shared	share	VERB
gp-256	254	22	risk	risk	NOUN
gp-256	254	23	mitigation	mitigation	NOUN
gp-256	254	24	(	(	PUNCT
gp-256	254	25	t1	t1	NOUN
gp-256	254	26	)	)	PUNCT
gp-256	254	27	,	,	PUNCT
gp-256	254	28	protecting	protect	VERB
gp-256	254	29	reputation	reputation	NOUN
gp-256	254	30	(	(	PUNCT
gp-256	254	31	t2	t2	NOUN
gp-256	254	32	)	)	PUNCT
gp-256	254	33	,	,	PUNCT
gp-256	254	34	and	and	CCONJ
gp-256	254	35	competing	compete	VERB
gp-256	254	36	with	with	ADP
gp-256	254	37	other	other	ADJ
gp-256	254	38	models	model	NOUN
gp-256	254	39	(	(	PUNCT
gp-256	254	40	t3	t3	PROPN
gp-256	254	41	)	)	PUNCT
gp-256	254	42	.	.	PUNCT
gp-256	255	1	weaknesses	weakness	NOUN
gp-256	255	2	(	(	PUNCT
gp-256	255	3	w	w	NOUN
gp-256	255	4	)	)	PUNCT
gp-256	255	5	wo	will	AUX
gp-256	255	6	strategy	strategy	NOUN
gp-256	255	7	–	–	PUNCT
gp-256	255	8	use	use	VERB
gp-256	255	9	external	external	ADJ
gp-256	255	10	pressure	pressure	NOUN
gp-256	255	11	(	(	PUNCT
gp-256	255	12	o1	o1	NOUN
gp-256	255	13	,	,	PUNCT
gp-256	255	14	o2	o2	PROPN
gp-256	255	15	)	)	PUNCT
gp-256	255	16	to	to	PART
gp-256	255	17	accelerate	accelerate	VERB
gp-256	255	18	internal	internal	ADJ
gp-256	255	19	modernization	modernization	NOUN
gp-256	255	20	(	(	PUNCT
gp-256	255	21	w2	w2	NOUN
gp-256	255	22	)	)	PUNCT
gp-256	255	23	,	,	PUNCT
gp-256	255	24	address	address	VERB
gp-256	255	25	cultural	cultural	ADJ
gp-256	255	26	and	and	CCONJ
gp-256	255	27	hr	hr	NOUN
gp-256	255	28	gaps	gap	NOUN
gp-256	255	29	(	(	PUNCT
gp-256	255	30	w1	w1	NOUN
gp-256	255	31	,	,	PUNCT
gp-256	255	32	w3	w3	PROPN
gp-256	255	33	)	)	PUNCT
gp-256	255	34	.	.	PUNCT
gp-256	256	1	wt	wt	NOUN
gp-256	256	2	strategy	strategy	NOUN
gp-256	256	3	–	–	PUNCT
gp-256	256	4	fix	fix	VERB
gp-256	256	5	key	key	ADJ
gp-256	256	6	internal	internal	ADJ
gp-256	256	7	weaknesses	weakness	NOUN
gp-256	256	8	(	(	PUNCT
gp-256	256	9	w1	w1	NOUN
gp-256	256	10	,	,	PUNCT
gp-256	256	11	w2	w2	NOUN
gp-256	256	12	)	)	PUNCT
gp-256	256	13	to	to	PART
gp-256	256	14	close	close	VERB
gp-256	256	15	systemic	systemic	ADJ
gp-256	256	16	risk	risk	NOUN
gp-256	256	17	threat	threat	NOUN
gp-256	256	18	gaps	gap	NOUN
gp-256	256	19	(	(	PUNCT
gp-256	256	20	t1	t1	NOUN
gp-256	256	21	)	)	PUNCT
gp-256	256	22	.	.	PUNCT
gp-256	257	1	focus	focus	NOUN
gp-256	257	2	:	:	PUNCT
gp-256	257	3	strengthening	strengthen	VERB
gp-256	257	4	the	the	DET
gp-256	257	5	foundation	foundation	NOUN
gp-256	257	6	.	.	PUNCT
gp-256	258	1	the	the	DET
gp-256	258	2	table	table	NOUN
gp-256	258	3	above	above	ADP
gp-256	258	4	presents	present	VERB
gp-256	258	5	the	the	DET
gp-256	258	6	results	result	NOUN
gp-256	258	7	of	of	ADP
gp-256	258	8	strategy	strategy	NOUN
gp-256	258	9	synthesis	synthesis	NOUN
gp-256	258	10	based	base	VERB
gp-256	258	11	on	on	ADP
gp-256	258	12	the	the	DET
gp-256	258	13	tows	tow	NOUN
gp-256	258	14	matrix	matrix	NOUN
gp-256	258	15	that	that	PRON
gp-256	258	16	connects	connect	VERB
gp-256	258	17	internal	internal	ADJ
gp-256	258	18	factors	factor	NOUN
gp-256	258	19	(	(	PUNCT
gp-256	258	20	strengths	strength	NOUN
gp-256	258	21	and	and	CCONJ
gp-256	258	22	weaknesses	weakness	NOUN
gp-256	258	23	)	)	PUNCT
gp-256	258	24	with	with	ADP
gp-256	258	25	external	external	ADJ
gp-256	258	26	factors	factor	NOUN
gp-256	258	27	(	(	PUNCT
gp-256	258	28	opportunities	opportunity	NOUN
gp-256	258	29	and	and	CCONJ
gp-256	258	30	threats	threat	NOUN
gp-256	258	31	)	)	PUNCT
gp-256	258	32	.	.	PUNCT
gp-256	259	1	each	each	DET
gp-256	259	2	quadrant	quadrant	NOUN
gp-256	259	3	generates	generate	VERB
gp-256	259	4	a	a	DET
gp-256	259	5	specific	specific	ADJ
gp-256	259	6	strategy	strategy	NOUN
gp-256	259	7	designed	design	VERB
gp-256	259	8	to	to	PART
gp-256	259	9	:	:	PUNCT
gp-256	259	10	so	so	ADV
gp-256	259	11	:	:	PUNCT
gp-256	259	12	maximizing	maximize	VERB
gp-256	259	13	internal	internal	ADJ
gp-256	259	14	strength	strength	NOUN
gp-256	259	15	to	to	PART
gp-256	259	16	aggressively	aggressively	ADV
gp-256	259	17	seize	seize	VERB
gp-256	259	18	market	market	NOUN
gp-256	259	19	opportunities	opportunity	NOUN
gp-256	259	20	,	,	PUNCT
gp-256	259	21	wo	will	AUX
gp-256	259	22	:	:	PUNCT
gp-256	259	23	turning	turn	VERB
gp-256	259	24	external	external	ADJ
gp-256	259	25	pressure	pressure	NOUN
gp-256	259	26	into	into	ADP
gp-256	259	27	a	a	DET
gp-256	259	28	driver	driver	NOUN
gp-256	259	29	of	of	ADP
gp-256	259	30	internal	internal	ADJ
gp-256	259	31	reform	reform	NOUN
gp-256	259	32	,	,	PUNCT
gp-256	259	33	st	st	PROPN
gp-256	259	34	:	:	PUNCT
gp-256	259	35	using	use	VERB
gp-256	259	36	force	force	NOUN
gp-256	259	37	as	as	ADP
gp-256	259	38	an	an	DET
gp-256	259	39	instrument	instrument	NOUN
gp-256	259	40	of	of	ADP
gp-256	259	41	mitigation	mitigation	NOUN
gp-256	259	42	against	against	ADP
gp-256	259	43	threats	threat	NOUN
gp-256	259	44	,	,	PUNCT
gp-256	259	45	wt	wt	NOUN
gp-256	259	46	:	:	PUNCT
gp-256	259	47	closing	close	VERB
gp-256	259	48	loopholes	loophole	NOUN
gp-256	259	49	that	that	PRON
gp-256	259	50	are	be	AUX
gp-256	259	51	vulnerable	vulnerable	ADJ
gp-256	259	52	to	to	ADP
gp-256	259	53	risk	risk	NOUN
gp-256	259	54	exposure	exposure	NOUN
gp-256	259	55	.	.	PUNCT
gp-256	260	1	the	the	DET
gp-256	260	2	formulation	formulation	NOUN
gp-256	260	3	of	of	ADP
gp-256	260	4	this	this	DET
gp-256	260	5	strategy	strategy	NOUN
gp-256	260	6	is	be	AUX
gp-256	260	7	the	the	DET
gp-256	260	8	basis	basis	NOUN
gp-256	260	9	for	for	ADP
gp-256	260	10	the	the	DET
gp-256	260	11	formulation	formulation	NOUN
gp-256	260	12	of	of	ADP
gp-256	260	13	responsive	responsive	ADJ
gp-256	260	14	policy	policy	NOUN
gp-256	260	15	directions	direction	NOUN
gp-256	260	16	that	that	PRON
gp-256	260	17	are	be	AUX
gp-256	260	18	balanced	balance	VERB
gp-256	260	19	between	between	ADP
gp-256	260	20	growth	growth	NOUN
gp-256	260	21	encouragement	encouragement	NOUN
gp-256	260	22	and	and	CCONJ
gp-256	260	23	risk	risk	NOUN
gp-256	260	24	mitigation	mitigation	NOUN
gp-256	260	25	needs	need	NOUN
gp-256	260	26	.	.	PUNCT
gp-256	261	1	this	this	DET
gp-256	261	2	thorough	thorough	ADJ
gp-256	261	3	analysis	analysis	NOUN
gp-256	261	4	concludes	conclude	VERB
gp-256	261	5	that	that	SCONJ
gp-256	261	6	the	the	DET
gp-256	261	7	best	good	ADJ
gp-256	261	8	approach	approach	NOUN
gp-256	261	9	is	be	AUX
gp-256	261	10	to	to	PART
gp-256	261	11	apply	apply	VERB
gp-256	261	12	all	all	DET
gp-256	261	13	four	four	NUM
gp-256	261	14	strategies	strategy	NOUN
gp-256	261	15	in	in	ADP
gp-256	261	16	a	a	DET
gp-256	261	17	portfolio	portfolio	NOUN
gp-256	261	18	—	—	PUNCT
gp-256	261	19	executed	execute	VERB
gp-256	261	20	simultaneously	simultaneously	ADV
gp-256	261	21	but	but	CCONJ
gp-256	261	22	with	with	ADP
gp-256	261	23	different	different	ADJ
gp-256	261	24	priority	priority	NOUN
gp-256	261	25	weights	weight	NOUN
gp-256	261	26	.	.	PUNCT
gp-256	262	1	there	there	PRON
gp-256	262	2	are	be	VERB
gp-256	262	3	three	three	NUM
gp-256	262	4	recommended	recommend	VERB
gp-256	262	5	strategic	strategic	ADJ
gp-256	262	6	priority	priority	NOUN
gp-256	262	7	directions	direction	NOUN
gp-256	262	8	:	:	PUNCT
gp-256	262	9	1	1	X
gp-256	262	10	.	.	X
gp-256	262	11	forming	form	VERB
gp-256	262	12	a	a	DET
gp-256	262	13	cross	cross	ADJ
gp-256	262	14	-	-	ADJ
gp-256	262	15	functional	functional	ADJ
gp-256	262	16	joint	joint	ADJ
gp-256	262	17	task	task	NOUN
gp-256	262	18	force	force	NOUN
gp-256	262	19	a	a	DET
gp-256	262	20	joint	joint	ADJ
gp-256	262	21	work	work	NOUN
gp-256	262	22	unit	unit	NOUN
gp-256	262	23	between	between	ADP
gp-256	262	24	the	the	DET
gp-256	262	25	bank	bank	NOUN
gp-256	262	26	and	and	CCONJ
gp-256	262	27	p2p	p2p	NOUN
gp-256	262	28	lending	lending	NOUN
gp-256	262	29	that	that	PRON
gp-256	262	30	is	be	AUX
gp-256	262	31	tasked	task	VERB
gp-256	262	32	with	with	ADP
gp-256	262	33	resolving	resolve	VERB
gp-256	262	34	operational	operational	ADJ
gp-256	262	35	frictions	friction	NOUN
gp-256	262	36	,	,	PUNCT
gp-256	262	37	harmonizing	harmonize	VERB
gp-256	262	38	sops	sop	NOUN
gp-256	262	39	,	,	PUNCT
gp-256	262	40	and	and	CCONJ
gp-256	262	41	bridging	bridge	VERB
gp-256	262	42	organizational	organizational	ADJ
gp-256	262	43	culture	culture	NOUN
gp-256	262	44	gaps	gap	NOUN
gp-256	262	45	.	.	PUNCT
gp-256	263	1	(	(	PUNCT
gp-256	263	2	w1	w1	NOUN
gp-256	263	3	,	,	PUNCT
gp-256	263	4	w4	w4	NOUN
gp-256	263	5	,	,	PUNCT
gp-256	263	6	t1	t1	NOUN
gp-256	263	7	)	)	PUNCT
gp-256	263	8	2	2	NUM
gp-256	263	9	.	.	X
gp-256	263	10	prioritizing	prioritize	VERB
gp-256	263	11	investment	investment	NOUN
gp-256	263	12	in	in	ADP
gp-256	263	13	risk	risk	NOUN
gp-256	263	14	-	-	PUNCT
gp-256	263	15	technology	technology	NOUN
gp-256	263	16	(	(	PUNCT
gp-256	263	17	risk	risk	NOUN
gp-256	263	18	-	-	PUNCT
gp-256	263	19	tech	tech	NOUN
gp-256	263	20	)	)	PUNCT
gp-256	263	21	proactive	proactive	ADJ
gp-256	263	22	approach	approach	NOUN
gp-256	263	23	to	to	ADP
gp-256	263	24	risk	risk	NOUN
gp-256	263	25	mitigation	mitigation	NOUN
gp-256	263	26	by	by	ADP
gp-256	263	27	strengthening	strengthen	VERB
gp-256	263	28	ai	ai	NOUN
gp-256	263	29	-	-	PUNCT
gp-256	263	30	based	base	VERB
gp-256	263	31	fraud	fraud	NOUN
gp-256	263	32	detection	detection	NOUN
gp-256	263	33	,	,	PUNCT
gp-256	263	34	real	real	ADJ
gp-256	263	35	-	-	PUNCT
gp-256	263	36	time	time	NOUN
gp-256	263	37	monitoring	monitoring	NOUN
gp-256	263	38	,	,	PUNCT
gp-256	263	39	and	and	CCONJ
gp-256	263	40	early	early	ADJ
gp-256	263	41	warning	warning	NOUN
gp-256	263	42	systems	system	NOUN
gp-256	263	43	.	.	PUNCT
gp-256	264	1	(	(	PUNCT
gp-256	264	2	t1	t1	NOUN
gp-256	264	3	,	,	PUNCT
gp-256	264	4	s3	s3	PROPN
gp-256	264	5	,	,	PUNCT
gp-256	264	6	w2	w2	NOUN
gp-256	264	7	)	)	PUNCT
gp-256	264	8	3	3	NUM
gp-256	264	9	.	.	X
gp-256	264	10	formalization	formalization	NOUN
gp-256	264	11	of	of	ADP
gp-256	264	12	the	the	DET
gp-256	264	13	joint	joint	ADJ
gp-256	264	14	risk	risk	NOUN
gp-256	264	15	management	management	NOUN
gp-256	264	16	framework	framework	NOUN
gp-256	264	17	preparation	preparation	NOUN
gp-256	264	18	of	of	ADP
gp-256	264	19	a	a	DET
gp-256	264	20	binding	bind	VERB
gp-256	264	21	operational	operational	ADJ
gp-256	264	22	and	and	CCONJ
gp-256	264	23	legal	legal	ADJ
gp-256	264	24	framework	framework	NOUN
gp-256	264	25	,	,	PUNCT
gp-256	264	26	establishing	establish	VERB
gp-256	264	27	the	the	DET
gp-256	264	28	division	division	NOUN
gp-256	264	29	of	of	ADP
gp-256	264	30	responsibilities	responsibility	NOUN
gp-256	264	31	,	,	PUNCT
gp-256	264	32	risk	risk	NOUN
gp-256	264	33	escalation	escalation	NOUN
gp-256	264	34	,	,	PUNCT
gp-256	264	35	and	and	CCONJ
gp-256	264	36	shared	share	VERB
gp-256	264	37	risk	risk	NOUN
gp-256	264	38	management	management	NOUN
gp-256	264	39	kpis	kpis	PROPN
gp-256	264	40	.	.	PUNCT
gp-256	265	1	(	(	PUNCT
gp-256	265	2	t1	t1	NOUN
gp-256	265	3	,	,	PUNCT
gp-256	265	4	w1	w1	NOUN
gp-256	265	5	,	,	PUNCT
gp-256	265	6	s4	s4	PROPN
gp-256	265	7	)	)	PUNCT
gp-256	265	8	the	the	DET
gp-256	265	9	execution	execution	NOUN
gp-256	265	10	of	of	ADP
gp-256	265	11	this	this	DET
gp-256	265	12	strategy	strategy	NOUN
gp-256	265	13	not	not	PART
gp-256	265	14	only	only	ADV
gp-256	265	15	reduces	reduce	VERB
gp-256	265	16	risk	risk	NOUN
gp-256	265	17	pressure	pressure	NOUN
gp-256	265	18	,	,	PUNCT
gp-256	265	19	but	but	CCONJ
gp-256	265	20	also	also	ADV
gp-256	265	21	creates	create	VERB
gp-256	265	22	a	a	DET
gp-256	265	23	safer	safe	ADJ
gp-256	265	24	and	and	CCONJ
gp-256	265	25	more	more	ADV
gp-256	265	26	controlled	control	VERB
gp-256	265	27	growth	growth	NOUN
gp-256	265	28	space	space	NOUN
gp-256	265	29	for	for	ADP
gp-256	265	30	the	the	DET
gp-256	265	31	acceleration	acceleration	NOUN
gp-256	265	32	of	of	ADP
gp-256	265	33	future	future	ADJ
gp-256	265	34	innovation	innovation	NOUN
gp-256	265	35	.	.	PUNCT
gp-256	266	1	american	american	ADJ
gp-256	266	2	journal	journal	PROPN
gp-256	266	3	of	of	ADP
gp-256	266	4	economic	economic	ADJ
gp-256	266	5	and	and	CCONJ
gp-256	266	6	management	management	NOUN
gp-256	266	7	business	business	NOUN
gp-256	266	8	vol	vol	NOUN
gp-256	266	9	.	.	PROPN
gp-256	267	1	4	4	NUM
gp-256	267	2	no	no	NOUN
gp-256	267	3	.	.	NOUN
gp-256	267	4	8	8	NUM
gp-256	267	5	agustus	agustus	NOUN
gp-256	267	6	2025	2025	NUM
gp-256	267	7	1314	1314	NUM
gp-256	267	8	conclusion	conclusion	NOUN
gp-256	267	9	the	the	DET
gp-256	267	10	qualitative	qualitative	ADJ
gp-256	267	11	analysis	analysis	NOUN
gp-256	267	12	of	of	ADP
gp-256	267	13	data	datum	NOUN
gp-256	267	14	from	from	ADP
gp-256	267	15	15	15	NUM
gp-256	267	16	resource	resource	NOUN
gp-256	267	17	persons	person	NOUN
gp-256	267	18	,	,	PUNCT
gp-256	267	19	supported	support	VERB
gp-256	267	20	by	by	ADP
gp-256	267	21	triangulation	triangulation	NOUN
gp-256	267	22	using	use	VERB
gp-256	267	23	the	the	DET
gp-256	267	24	miles	mile	NOUN
gp-256	267	25	&	&	CCONJ
gp-256	267	26	huberman	huberman	PROPN
gp-256	267	27	method	method	PROPN
gp-256	267	28	alongside	alongside	ADP
gp-256	267	29	business	business	NOUN
gp-256	267	30	model	model	NOUN
gp-256	267	31	canvas	canvas	NOUN
gp-256	267	32	,	,	PUNCT
gp-256	267	33	ten	ten	NUM
gp-256	267	34	types	type	NOUN
gp-256	267	35	of	of	ADP
gp-256	267	36	innovation	innovation	NOUN
gp-256	267	37	,	,	PUNCT
gp-256	267	38	swot	swot	NOUN
gp-256	267	39	,	,	PUNCT
gp-256	267	40	and	and	CCONJ
gp-256	267	41	tows	tow	VERB
gp-256	267	42	analyses	analysis	NOUN
gp-256	267	43	,	,	PUNCT
gp-256	267	44	concluded	conclude	VERB
gp-256	267	45	that	that	SCONJ
gp-256	267	46	the	the	DET
gp-256	267	47	collaboration	collaboration	NOUN
gp-256	267	48	between	between	ADP
gp-256	267	49	bank	bank	PROPN
gp-256	267	50	xyz	xyz	PROPN
gp-256	267	51	and	and	CCONJ
gp-256	267	52	the	the	DET
gp-256	267	53	p2p	p2p	NOUN
gp-256	267	54	lending	lending	NOUN
gp-256	267	55	platform	platform	NOUN
gp-256	267	56	creates	create	VERB
gp-256	267	57	a	a	DET
gp-256	267	58	strategic	strategic	ADJ
gp-256	267	59	synergy	synergy	NOUN
gp-256	267	60	in	in	ADP
gp-256	267	61	the	the	DET
gp-256	267	62	multipurpose	multipurpose	NOUN
gp-256	267	63	credit	credit	NOUN
gp-256	267	64	channelling	channelling	NOUN
gp-256	267	65	model	model	NOUN
gp-256	267	66	.	.	PUNCT
gp-256	268	1	this	this	DET
gp-256	268	2	synergy	synergy	NOUN
gp-256	268	3	leverages	leverage	VERB
gp-256	268	4	bank	bank	NOUN
gp-256	268	5	xyz	xyz	PROPN
gp-256	268	6	’s	’s	PART
gp-256	268	7	trust	trust	NOUN
gp-256	268	8	and	and	CCONJ
gp-256	268	9	legality	legality	NOUN
gp-256	268	10	with	with	ADP
gp-256	268	11	the	the	DET
gp-256	268	12	technological	technological	ADJ
gp-256	268	13	agility	agility	NOUN
gp-256	268	14	and	and	CCONJ
gp-256	268	15	borrower	borrower	NOUN
gp-256	268	16	acquisition	acquisition	NOUN
gp-256	268	17	strengths	strength	NOUN
gp-256	268	18	of	of	ADP
gp-256	268	19	p2p	p2p	NOUN
gp-256	268	20	lending	lending	NOUN
gp-256	268	21	,	,	PUNCT
gp-256	268	22	focusing	focus	VERB
gp-256	268	23	on	on	ADP
gp-256	268	24	acquisition	acquisition	NOUN
gp-256	268	25	efficiency	efficiency	NOUN
gp-256	268	26	,	,	PUNCT
gp-256	268	27	expanding	expand	VERB
gp-256	268	28	non	non	ADJ
gp-256	268	29	-	-	ADJ
gp-256	268	30	captive	captive	ADJ
gp-256	268	31	borrower	borrower	NOUN
gp-256	268	32	segments	segment	NOUN
gp-256	268	33	,	,	PUNCT
gp-256	268	34	and	and	CCONJ
gp-256	268	35	integrating	integrate	VERB
gp-256	268	36	digital	digital	ADJ
gp-256	268	37	distribution	distribution	NOUN
gp-256	268	38	.	.	PUNCT
gp-256	269	1	the	the	DET
gp-256	269	2	model	model	NOUN
gp-256	269	3	’s	’s	PART
gp-256	269	4	effectiveness	effectiveness	NOUN
gp-256	269	5	is	be	AUX
gp-256	269	6	influenced	influence	VERB
gp-256	269	7	by	by	ADP
gp-256	269	8	complex	complex	ADJ
gp-256	269	9	internal	internal	ADJ
gp-256	269	10	factors	factor	NOUN
gp-256	269	11	,	,	PUNCT
gp-256	269	12	such	such	ADJ
gp-256	269	13	as	as	ADP
gp-256	269	14	it	it	PRON
gp-256	269	15	infrastructure	infrastructure	NOUN
gp-256	269	16	readiness	readiness	NOUN
gp-256	269	17	,	,	PUNCT
gp-256	269	18	hr	hr	NOUN
gp-256	269	19	capabilities	capability	NOUN
gp-256	269	20	,	,	PUNCT
gp-256	269	21	and	and	CCONJ
gp-256	269	22	digital	digital	ADJ
gp-256	269	23	culture	culture	NOUN
gp-256	269	24	,	,	PUNCT
gp-256	269	25	and	and	CCONJ
gp-256	269	26	external	external	ADJ
gp-256	269	27	factors	factor	NOUN
gp-256	269	28	,	,	PUNCT
gp-256	269	29	including	include	VERB
gp-256	269	30	regulatory	regulatory	ADJ
gp-256	269	31	support	support	NOUN
gp-256	269	32	and	and	CCONJ
gp-256	269	33	market	market	NOUN
gp-256	269	34	dynamics	dynamic	NOUN
gp-256	269	35	.	.	PUNCT
gp-256	270	1	it	it	PRON
gp-256	270	2	integration	integration	NOUN
gp-256	270	3	is	be	AUX
gp-256	270	4	crucial	crucial	ADJ
gp-256	270	5	but	but	CCONJ
gp-256	270	6	hindered	hinder	VERB
gp-256	270	7	by	by	ADP
gp-256	270	8	the	the	DET
gp-256	270	9	bank	bank	NOUN
gp-256	270	10	’s	’s	PART
gp-256	270	11	rigid	rigid	ADJ
gp-256	270	12	backend	backend	NOUN
gp-256	270	13	systems	system	NOUN
gp-256	270	14	.	.	PUNCT
gp-256	271	1	key	key	ADJ
gp-256	271	2	risks	risk	NOUN
gp-256	271	3	—	—	PUNCT
gp-256	271	4	credit	credit	NOUN
gp-256	271	5	,	,	PUNCT
gp-256	271	6	operational	operational	ADJ
gp-256	271	7	,	,	PUNCT
gp-256	271	8	and	and	CCONJ
gp-256	271	9	reputational	reputational	ADJ
gp-256	271	10	—	—	PUNCT
gp-256	271	11	demand	demand	NOUN
gp-256	271	12	robust	robust	ADJ
gp-256	271	13	mitigation	mitigation	NOUN
gp-256	271	14	strategies	strategy	NOUN
gp-256	271	15	like	like	ADP
gp-256	271	16	multi	multi	ADJ
gp-256	271	17	-	-	ADJ
gp-256	271	18	layered	layered	ADJ
gp-256	271	19	verification	verification	NOUN
gp-256	271	20	and	and	CCONJ
gp-256	271	21	joint	joint	ADJ
gp-256	271	22	recovery	recovery	NOUN
gp-256	271	23	processes	process	NOUN
gp-256	271	24	.	.	PUNCT
gp-256	272	1	the	the	DET
gp-256	272	2	study	study	NOUN
gp-256	272	3	highlights	highlight	VERB
gp-256	272	4	significant	significant	ADJ
gp-256	272	5	opportunities	opportunity	NOUN
gp-256	272	6	for	for	ADP
gp-256	272	7	credit	credit	NOUN
gp-256	272	8	optimization	optimization	NOUN
gp-256	272	9	through	through	ADP
gp-256	272	10	adaptive	adaptive	ADJ
gp-256	272	11	risk	risk	NOUN
gp-256	272	12	governance	governance	NOUN
gp-256	272	13	and	and	CCONJ
gp-256	272	14	ongoing	ongoing	ADJ
gp-256	272	15	digital	digital	ADJ
gp-256	272	16	transformation	transformation	NOUN
gp-256	272	17	.	.	PUNCT
gp-256	273	1	practical	practical	ADJ
gp-256	273	2	recommendations	recommendation	NOUN
gp-256	273	3	include	include	VERB
gp-256	273	4	accelerating	accelerate	VERB
gp-256	273	5	backend	backend	ADJ
gp-256	273	6	modernization	modernization	NOUN
gp-256	273	7	,	,	PUNCT
gp-256	273	8	establishing	establish	VERB
gp-256	273	9	specialized	specialized	ADJ
gp-256	273	10	fintech	fintech	NOUN
gp-256	273	11	cooperation	cooperation	NOUN
gp-256	273	12	units	unit	NOUN
gp-256	273	13	,	,	PUNCT
gp-256	273	14	enhancing	enhance	VERB
gp-256	273	15	joint	joint	ADJ
gp-256	273	16	risk	risk	NOUN
gp-256	273	17	management	management	NOUN
gp-256	273	18	frameworks	framework	NOUN
gp-256	273	19	,	,	PUNCT
gp-256	273	20	and	and	CCONJ
gp-256	273	21	developing	develop	VERB
gp-256	273	22	technical	technical	ADJ
gp-256	273	23	standards	standard	NOUN
gp-256	273	24	for	for	ADP
gp-256	273	25	api	api	NOUN
gp-256	273	26	and	and	CCONJ
gp-256	273	27	open	open	ADJ
gp-256	273	28	finance	finance	NOUN
gp-256	273	29	integration	integration	NOUN
gp-256	273	30	.	.	PUNCT
gp-256	274	1	for	for	ADP
gp-256	274	2	future	future	ADJ
gp-256	274	3	research	research	NOUN
gp-256	274	4	,	,	PUNCT
gp-256	274	5	it	it	PRON
gp-256	274	6	is	be	AUX
gp-256	274	7	suggested	suggest	VERB
gp-256	274	8	to	to	PART
gp-256	274	9	quantitatively	quantitatively	ADV
gp-256	274	10	evaluate	evaluate	VERB
gp-256	274	11	the	the	DET
gp-256	274	12	long	long	ADJ
gp-256	274	13	-	-	PUNCT
gp-256	274	14	term	term	NOUN
gp-256	274	15	financial	financial	ADJ
gp-256	274	16	and	and	CCONJ
gp-256	274	17	operational	operational	ADJ
gp-256	274	18	impacts	impact	NOUN
gp-256	274	19	of	of	ADP
gp-256	274	20	these	these	DET
gp-256	274	21	collaboration	collaboration	NOUN
gp-256	274	22	models	model	NOUN
gp-256	274	23	,	,	PUNCT
gp-256	274	24	and	and	CCONJ
gp-256	274	25	to	to	PART
gp-256	274	26	explore	explore	VERB
gp-256	274	27	customer	customer	NOUN
gp-256	274	28	experience	experience	NOUN
gp-256	274	29	and	and	CCONJ
gp-256	274	30	satisfaction	satisfaction	NOUN
gp-256	274	31	in	in	ADP
gp-256	274	32	such	such	ADJ
gp-256	274	33	hybrid	hybrid	ADJ
gp-256	274	34	banking	banking	NOUN
gp-256	274	35	-	-	PUNCT
gp-256	274	36	fintech	fintech	NOUN
gp-256	274	37	ecosystems	ecosystem	NOUN
gp-256	274	38	.	.	PUNCT
gp-256	275	1	references	reference	NOUN
gp-256	275	2	.	.	PUNCT
gp-256	276	1	d.	d.	PROPN
gp-256	276	2	(	(	PUNCT
gp-256	276	3	2019	2019	NUM
gp-256	276	4	)	)	PUNCT
gp-256	276	5	.	.	PUNCT
gp-256	277	1	financial	financial	ADJ
gp-256	277	2	technology	technology	NOUN
gp-256	277	3	(	(	PUNCT
gp-256	277	4	fintech	fintech	NOUN
gp-256	277	5	):	):	PUNCT
gp-256	277	6	karakteristik	karakteristik	PROPN
gp-256	277	7	dan	dan	PROPN
gp-256	277	8	kualitas	kualitas	PROPN
gp-256	277	9	pinjaman	pinjaman	PROPN
gp-256	277	10	pada	pada	PROPN
gp-256	277	11	peer	peer	NOUN
gp-256	277	12	to	to	ADP
gp-256	277	13	peer	peer	NOUN
gp-256	277	14	lending	lending	NOUN
gp-256	277	15	di	di	X
gp-256	277	16	indonesia	indonesia	PROPN
gp-256	277	17	.	.	PUNCT
gp-256	278	1	jurnal	jurnal	ADJ
gp-256	278	2	manajemen	manajemen	PROPN
gp-256	278	3	teknologi	teknologi	PROPN
gp-256	278	4	,	,	PUNCT
gp-256	278	5	18(2	18(2	NUM
gp-256	278	6	)	)	PUNCT
gp-256	278	7	.	.	PUNCT
gp-256	279	1	https://doi.org/10.12695/jmt.2019.18.2.4	https://doi.org/10.12695/jmt.2019.18.2.4	PROPN
gp-256	279	2	a.	a.	PROPN
gp-256	279	3	basha	basha	PROPN
gp-256	279	4	,	,	PUNCT
gp-256	279	5	s.	s.	PROPN
gp-256	279	6	,	,	PUNCT
gp-256	279	7	elgammal	elgammal	PROPN
gp-256	279	8	,	,	PUNCT
gp-256	279	9	m.	m.	NOUN
gp-256	279	10	m.	m.	NOUN
gp-256	279	11	,	,	PUNCT
gp-256	279	12	&	&	CCONJ
gp-256	279	13	abuzayed	abuzaye	VERB
gp-256	279	14	,	,	PUNCT
gp-256	279	15	b.	b.	PROPN
gp-256	279	16	m.	m.	NOUN
gp-256	279	17	(	(	PUNCT
gp-256	279	18	2021	2021	NUM
gp-256	279	19	)	)	PUNCT
gp-256	279	20	.	.	PUNCT
gp-256	280	1	online	online	ADJ
gp-256	280	2	peer	peer	NOUN
gp-256	280	3	-	-	PUNCT
gp-256	280	4	to	to	ADP
gp-256	280	5	-	-	PUNCT
gp-256	280	6	peer	peer	NOUN
gp-256	280	7	lending	lending	NOUN
gp-256	280	8	:	:	PUNCT
gp-256	280	9	a	a	DET
gp-256	280	10	review	review	NOUN
gp-256	280	11	of	of	ADP
gp-256	280	12	the	the	DET
gp-256	280	13	literature	literature	NOUN
gp-256	280	14	.	.	PUNCT
gp-256	281	1	electronic	electronic	ADJ
gp-256	281	2	commerce	commerce	PROPN
gp-256	281	3	research	research	NOUN
gp-256	281	4	and	and	CCONJ
gp-256	281	5	applications	application	NOUN
gp-256	281	6	,	,	PUNCT
gp-256	281	7	48	48	NUM
gp-256	281	8	.	.	PUNCT
gp-256	282	1	https://doi.org/10.1016/j.elerap.2021.101069	https://doi.org/10.1016/j.elerap.2021.101069	NOUN
gp-256	282	2	alshweesh	alshweesh	PROPN
gp-256	282	3	,	,	PUNCT
gp-256	282	4	r.	r.	PROPN
gp-256	282	5	,	,	PUNCT
gp-256	282	6	&	&	CCONJ
gp-256	282	7	bandi	bandi	PROPN
gp-256	282	8	,	,	PUNCT
gp-256	282	9	dr	dr	PROPN
gp-256	282	10	.	.	PROPN
gp-256	282	11	s.	s.	PROPN
gp-256	282	12	(	(	PUNCT
gp-256	282	13	2022	2022	NUM
gp-256	282	14	)	)	PUNCT
gp-256	282	15	.	.	PUNCT
gp-256	283	1	the	the	DET
gp-256	283	2	impact	impact	NOUN
gp-256	283	3	of	of	ADP
gp-256	283	4	e	e	NOUN
gp-256	283	5	-	-	NOUN
gp-256	283	6	commerce	commerce	NOUN
gp-256	283	7	on	on	ADP
gp-256	283	8	consumer	consumer	NOUN
gp-256	283	9	purchasing	purchasing	NOUN
gp-256	283	10	behavior	behavior	NOUN
gp-256	283	11	:	:	PUNCT
gp-256	283	12	the	the	DET
gp-256	283	13	mediating	mediate	VERB
gp-256	283	14	role	role	NOUN
gp-256	283	15	of	of	ADP
gp-256	283	16	financial	financial	ADJ
gp-256	283	17	technology	technology	NOUN
gp-256	283	18	.	.	PUNCT
gp-256	284	1	international	international	ADJ
gp-256	284	2	journal	journal	PROPN
gp-256	284	3	of	of	ADP
gp-256	284	4	research	research	NOUN
gp-256	284	5	and	and	CCONJ
gp-256	284	6	review	review	NOUN
gp-256	284	7	,	,	PUNCT
gp-256	284	8	9(2	9(2	NUM
gp-256	284	9	)	)	PUNCT
gp-256	284	10	.	.	PUNCT
gp-256	285	1	https://doi.org/10.52403/ijrr.20220261	https://doi.org/10.52403/ijrr.20220261	PROPN
gp-256	285	2	dharmastuti	dharmastuti	PROPN
gp-256	285	3	,	,	PUNCT
gp-256	285	4	c.	c.	PROPN
gp-256	285	5	f.	f.	PROPN
gp-256	285	6	,	,	PUNCT
gp-256	285	7	&	&	CCONJ
gp-256	285	8	laurentxius	laurentxius	PROPN
gp-256	285	9	,	,	PUNCT
gp-256	285	10	j.	j.	PROPN
gp-256	285	11	(	(	PUNCT
gp-256	285	12	2021	2021	NUM
gp-256	285	13	)	)	PUNCT
gp-256	285	14	.	.	PUNCT
gp-256	286	1	factors	factor	NOUN
gp-256	286	2	and	and	CCONJ
gp-256	286	3	benefits	benefit	NOUN
gp-256	286	4	that	that	PRON
gp-256	286	5	affect	affect	VERB
gp-256	286	6	lender	lender	NOUN
gp-256	286	7	’s	’s	PART
gp-256	286	8	interest	interest	NOUN
gp-256	286	9	in	in	ADP
gp-256	286	10	giving	give	VERB
gp-256	286	11	loans	loan	NOUN
gp-256	286	12	in	in	ADP
gp-256	286	13	peer	peer	NOUN
gp-256	286	14	to	to	ADP
gp-256	286	15	peer	peer	NOUN
gp-256	286	16	(	(	PUNCT
gp-256	286	17	p2p	p2p	NOUN
gp-256	286	18	)	)	PUNCT
gp-256	286	19	lending	lending	NOUN
gp-256	286	20	platform	platform	NOUN
gp-256	286	21	.	.	PUNCT
gp-256	287	1	binus	binus	PROPN
gp-256	287	2	business	business	PROPN
gp-256	287	3	review	review	PROPN
gp-256	287	4	,	,	PUNCT
gp-256	287	5	12(2	12(2	NUM
gp-256	287	6	)	)	PUNCT
gp-256	287	7	.	.	PUNCT
gp-256	288	1	https://doi.org/10.21512/bbr.v12i2.6359	https://doi.org/10.21512/bbr.v12i2.6359	PROPN
gp-256	288	2	evimalia	evimalia	PROPN
gp-256	288	3	,	,	PUNCT
gp-256	288	4	n.	n.	PROPN
gp-256	288	5	k.	k.	PROPN
gp-256	288	6	r.	r.	PROPN
gp-256	288	7	,	,	PUNCT
gp-256	288	8	&	&	CCONJ
gp-256	288	9	wati	wati	PROPN
gp-256	288	10	,	,	PUNCT
gp-256	288	11	n.	n.	PROPN
gp-256	288	12	w.	w.	PROPN
gp-256	288	13	a.	a.	PROPN
gp-256	288	14	e.	e.	PROPN
gp-256	288	15	(	(	PUNCT
gp-256	288	16	2022	2022	NUM
gp-256	288	17	)	)	PUNCT
gp-256	288	18	.	.	PUNCT
gp-256	289	1	pengaruh	pengaruh	VERB
gp-256	289	2	persepsi	persepsi	PROPN
gp-256	289	3	kemudahan	kemudahan	PROPN
gp-256	289	4	penggunaan	penggunaan	PROPN
gp-256	289	5	,	,	PUNCT
gp-256	289	6	resiko	resiko	ADJ
gp-256	289	7	dan	dan	PROPN
gp-256	289	8	regulasi	regulasi	PROPN
gp-256	289	9	untuk	untuk	PROPN
gp-256	289	10	melakukan	melakukan	PROPN
gp-256	289	11	transaksi	transaksi	PROPN
gp-256	289	12	pinjaman	pinjaman	PROPN
gp-256	289	13	dana	dana	PROPN
gp-256	289	14	menggunakan	menggunakan	PROPN
gp-256	289	15	platform	platform	PROPN
gp-256	289	16	financial	financial	ADJ
gp-256	289	17	technologi	technologi	NOUN
gp-256	289	18	(	(	PUNCT
gp-256	289	19	fintech	fintech	NOUN
gp-256	289	20	)	)	PUNCT
gp-256	289	21	peer	peer	NOUN
gp-256	289	22	to	to	ADP
gp-256	289	23	peer	peer	NOUN
gp-256	289	24	(	(	PUNCT
gp-256	289	25	p2p	p2p	NOUN
gp-256	289	26	)	)	PUNCT
gp-256	289	27	lending	lending	NOUN
gp-256	289	28	danamas	danamas	PROPN
gp-256	289	29	di	di	PROPN
gp-256	289	30	kota	kota	PROPN
gp-256	289	31	denpasar	denpasar	PROPN
gp-256	289	32	.	.	PUNCT
gp-256	290	1	hita	hita	PROPN
gp-256	290	2	akuntansi	akuntansi	PROPN
gp-256	290	3	dan	dan	PROPN
gp-256	290	4	keuangan	keuangan	PROPN
gp-256	290	5	,	,	PUNCT
gp-256	290	6	3(1	3(1	NUM
gp-256	290	7	)	)	PUNCT
gp-256	290	8	.	.	PUNCT
gp-256	291	1	https://doi.org/10.32795/hak.v3i1.2279	https://doi.org/10.32795/hak.v3i1.2279	PROPN
gp-256	291	2	indra	indra	PROPN
gp-256	291	3	tektona	tektona	PROPN
gp-256	291	4	,	,	PUNCT
gp-256	291	5	r.	r.	PROPN
gp-256	291	6	(	(	PUNCT
gp-256	291	7	2021	2021	NUM
gp-256	291	8	)	)	PUNCT
gp-256	291	9	.	.	PUNCT
gp-256	292	1	legal	legal	ADJ
gp-256	292	2	protection	protection	NOUN
gp-256	292	3	of	of	ADP
gp-256	292	4	creditors	creditor	NOUN
gp-256	292	5	in	in	ADP
gp-256	292	6	financing	finance	VERB
gp-256	292	7	agreements	agreement	NOUN
gp-256	292	8	through	through	ADP
gp-256	292	9	digital	digital	ADJ
gp-256	292	10	credit	credit	NOUN
gp-256	292	11	services	service	NOUN
gp-256	292	12	(	(	PUNCT
gp-256	292	13	paylater	paylater	NOUN
gp-256	292	14	)	)	PUNCT
gp-256	292	15	.	.	PUNCT
gp-256	293	1	jurnal	jurnal	PROPN
gp-256	293	2	hukum	hukum	PROPN
gp-256	293	3	islam	islam	PROPN
gp-256	293	4	,	,	PUNCT
gp-256	293	5	19(2	19(2	NUM
gp-256	293	6	)	)	PUNCT
gp-256	293	7	.	.	PUNCT
gp-256	294	1	khan	khan	PROPN
gp-256	294	2	,	,	PUNCT
gp-256	294	3	m.	m.	NOUN
gp-256	294	4	t.	t.	PROPN
gp-256	294	5	i.	i.	PROPN
gp-256	294	6	(	(	PUNCT
gp-256	294	7	2024	2024	NUM
gp-256	294	8	)	)	PUNCT
gp-256	294	9	.	.	PUNCT
gp-256	295	1	trust	trust	NOUN
gp-256	295	2	in	in	ADP
gp-256	295	3	peer	peer	NOUN
gp-256	295	4	-	-	PUNCT
gp-256	295	5	to	to	ADP
gp-256	295	6	-	-	PUNCT
gp-256	295	7	peer	peer	NOUN
gp-256	295	8	(	(	PUNCT
gp-256	295	9	p2p	p2p	NOUN
gp-256	295	10	)	)	PUNCT
gp-256	295	11	lending	lending	NOUN
gp-256	295	12	platforms	platform	NOUN
gp-256	295	13	in	in	ADP
gp-256	295	14	malaysia	malaysia	PROPN
gp-256	295	15	:	:	PUNCT
gp-256	295	16	understanding	understand	VERB
gp-256	295	17	the	the	DET
gp-256	295	18	determinants	determinant	NOUN
gp-256	295	19	from	from	ADP
gp-256	295	20	retail	retail	ADJ
gp-256	295	21	investors	investor	NOUN
gp-256	295	22	’	’	PART
gp-256	295	23	perspectives	perspective	NOUN
gp-256	295	24	.	.	PUNCT
gp-256	296	1	journal	journal	NOUN
gp-256	296	2	of	of	ADP
gp-256	296	3	economic	economic	ADJ
gp-256	296	4	and	and	CCONJ
gp-256	296	5	administrative	administrative	ADJ
gp-256	296	6	sciences	sciences	PROPN
gp-256	296	7	,	,	PUNCT
gp-256	296	8	40(5	40(5	NOUN
gp-256	296	9	)	)	PUNCT
gp-256	296	10	.	.	PUNCT
gp-256	297	1	https://doi.org/10.1108/jeas-08-2021-0148	https://doi.org/10.1108/jeas-08-2021-0148	PROPN
gp-256	297	2	american	american	PROPN
gp-256	297	3	journal	journal	PROPN
gp-256	297	4	of	of	ADP
gp-256	297	5	economic	economic	ADJ
gp-256	297	6	and	and	CCONJ
gp-256	297	7	management	management	NOUN
gp-256	297	8	business	business	NOUN
gp-256	297	9	vol	vol	NOUN
gp-256	297	10	.	.	PROPN
gp-256	298	1	4	4	NUM
gp-256	298	2	no	no	NOUN
gp-256	298	3	.	.	NOUN
gp-256	298	4	8	8	NUM
gp-256	298	5	agustus	agustus	NOUN
gp-256	298	6	2025	2025	NUM
gp-256	298	7	1315	1315	NUM
gp-256	298	8	klein	klein	PROPN
gp-256	298	9	,	,	PUNCT
gp-256	298	10	g.	g.	PROPN
gp-256	298	11	,	,	PUNCT
gp-256	298	12	shtudiner	shtudiner	NOUN
gp-256	298	13	,	,	PUNCT
gp-256	298	14	z.	z.	PROPN
gp-256	298	15	,	,	PUNCT
gp-256	298	16	&	&	CCONJ
gp-256	298	17	zwilling	zwilling	PROPN
gp-256	298	18	,	,	PUNCT
gp-256	298	19	m.	m.	NOUN
gp-256	298	20	(	(	PUNCT
gp-256	298	21	2023	2023	NUM
gp-256	298	22	)	)	PUNCT
gp-256	298	23	.	.	PUNCT
gp-256	299	1	why	why	SCONJ
gp-256	299	2	do	do	AUX
gp-256	299	3	peer	peer	NOUN
gp-256	299	4	-	-	PUNCT
gp-256	299	5	to	to	ADP
gp-256	299	6	-	-	PUNCT
gp-256	299	7	peer	peer	NOUN
gp-256	299	8	(	(	PUNCT
gp-256	299	9	p2p	p2p	NOUN
gp-256	299	10	)	)	PUNCT
gp-256	299	11	lending	lending	NOUN
gp-256	299	12	platforms	platform	NOUN
gp-256	299	13	fail	fail	VERB
gp-256	299	14	?	?	PUNCT
gp-256	300	1	the	the	DET
gp-256	300	2	gap	gap	NOUN
gp-256	300	3	between	between	ADP
gp-256	300	4	p2p	p2p	NOUN
gp-256	300	5	lenders	lender	NOUN
gp-256	300	6	’	’	PART
gp-256	300	7	preferences	preference	NOUN
gp-256	300	8	and	and	CCONJ
gp-256	300	9	the	the	DET
gp-256	300	10	platforms	platform	NOUN
gp-256	300	11	’	'	PUNCT
gp-256	300	12	intentions	intention	NOUN
gp-256	300	13	.	.	PUNCT
gp-256	301	1	electronic	electronic	ADJ
gp-256	301	2	commerce	commerce	NOUN
gp-256	301	3	research	research	NOUN
gp-256	301	4	,	,	PUNCT
gp-256	301	5	23(2	23(2	NUM
gp-256	301	6	)	)	PUNCT
gp-256	301	7	.	.	PUNCT
gp-256	302	1	https://doi.org/10.1007/s10660-021-09489-6	https://doi.org/10.1007/s10660-021-09489-6	PROPN
gp-256	302	2	kohardinata	kohardinata	PROPN
gp-256	302	3	,	,	PUNCT
gp-256	302	4	c.	c.	PROPN
gp-256	302	5	,	,	PUNCT
gp-256	302	6	soewarno	soewarno	NOUN
gp-256	302	7	,	,	PUNCT
gp-256	302	8	n.	n.	NOUN
gp-256	302	9	,	,	PUNCT
gp-256	302	10	&	&	CCONJ
gp-256	302	11	tjahjadi	tjahjadi	PROPN
gp-256	302	12	,	,	PUNCT
gp-256	302	13	b.	b.	PROPN
gp-256	302	14	(	(	PUNCT
gp-256	302	15	2020	2020	NUM
gp-256	302	16	)	)	PUNCT
gp-256	302	17	.	.	PUNCT
gp-256	303	1	indonesian	indonesian	ADJ
gp-256	303	2	peer	peer	VERB
gp-256	303	3	to	to	ADP
gp-256	303	4	peer	peer	NOUN
gp-256	303	5	lending	lending	NOUN
gp-256	303	6	(	(	PUNCT
gp-256	303	7	p2p	p2p	NOUN
gp-256	303	8	)	)	PUNCT
gp-256	303	9	at	at	ADP
gp-256	303	10	entrant	entrant	PROPN
gp-256	303	11	’s	’s	PART
gp-256	303	12	disruptive	disruptive	ADJ
gp-256	303	13	trajectory	trajectory	NOUN
gp-256	303	14	.	.	PUNCT
gp-256	304	1	business	business	NOUN
gp-256	304	2	:	:	PUNCT
gp-256	304	3	theory	theory	NOUN
gp-256	304	4	and	and	CCONJ
gp-256	304	5	practice	practice	NOUN
gp-256	304	6	,	,	PUNCT
gp-256	304	7	21(1	21(1	NUM
gp-256	304	8	)	)	PUNCT
gp-256	304	9	.	.	PUNCT
gp-256	305	1	https://doi.org/10.3846/btp.2020.11171	https://doi.org/10.3846/btp.2020.11171	PROPN
gp-256	305	2	meiryani	meiryani	PROPN
gp-256	305	3	,	,	PUNCT
gp-256	305	4	soepriyanto	soepriyanto	PROPN
gp-256	305	5	,	,	PUNCT
gp-256	305	6	g.	g.	NOUN
gp-256	305	7	,	,	PUNCT
gp-256	305	8	elvani	elvani	NOUN
gp-256	305	9	,	,	PUNCT
gp-256	305	10	a.	a.	NOUN
gp-256	305	11	,	,	PUNCT
gp-256	305	12	wahyuningtias	wahyuningtia	NOUN
gp-256	305	13	,	,	PUNCT
gp-256	305	14	d.	d.	PROPN
gp-256	305	15	,	,	PUNCT
gp-256	305	16	&	&	CCONJ
gp-256	305	17	samukri	samukri	PROPN
gp-256	305	18	.	.	PUNCT
gp-256	306	1	(	(	PUNCT
gp-256	306	2	2022	2022	NUM
gp-256	306	3	)	)	PUNCT
gp-256	306	4	.	.	PUNCT
gp-256	307	1	the	the	DET
gp-256	307	2	factors	factor	NOUN
gp-256	307	3	affecting	affect	VERB
gp-256	307	4	consumer	consumer	NOUN
gp-256	307	5	behavior	behavior	NOUN
gp-256	307	6	on	on	ADP
gp-256	307	7	sustainable	sustainable	ADJ
gp-256	307	8	use	use	NOUN
gp-256	307	9	intentions	intention	NOUN
gp-256	307	10	of	of	ADP
gp-256	307	11	financial	financial	ADJ
gp-256	307	12	technology	technology	NOUN
gp-256	307	13	payments	payment	NOUN
gp-256	307	14	.	.	PUNCT
gp-256	308	1	corporate	corporate	ADJ
gp-256	308	2	governance	governance	NOUN
gp-256	308	3	and	and	CCONJ
gp-256	308	4	organizational	organizational	ADJ
gp-256	308	5	behavior	behavior	NOUN
gp-256	308	6	review	review	NOUN
gp-256	308	7	,	,	PUNCT
gp-256	308	8	6(3	6(3	NUM
gp-256	308	9	)	)	PUNCT
gp-256	308	10	.	.	PUNCT
gp-256	309	1	https://doi.org/10.22495/cgobrv6i3p2	https://doi.org/10.22495/cgobrv6i3p2	PROPN
gp-256	309	2	nandike	nandike	PROPN
gp-256	309	3	ayudiah	ayudiah	PROPN
gp-256	309	4	poeteri	poeteri	PROPN
gp-256	309	5	,	,	PUNCT
gp-256	309	6	simanjuntak	simanjuntak	PROPN
gp-256	309	7	,	,	PUNCT
gp-256	309	8	m.	m.	NOUN
gp-256	309	9	,	,	PUNCT
gp-256	309	10	&	&	CCONJ
gp-256	309	11	hasanah	hasanah	PROPN
gp-256	309	12	,	,	PUNCT
gp-256	309	13	n.	n.	NOUN
gp-256	309	14	(	(	PUNCT
gp-256	309	15	2021	2021	NUM
gp-256	309	16	)	)	PUNCT
gp-256	309	17	.	.	PUNCT
gp-256	310	1	persepsi	persepsi	PROPN
gp-256	310	2	generasi	generasi	PROPN
gp-256	310	3	milenial	milenial	PROPN
gp-256	310	4	terhadap	terhadap	PROPN
gp-256	310	5	platform	platform	PROPN
gp-256	310	6	peer	peer	NOUN
gp-256	310	7	-	-	PUNCT
gp-256	310	8	to	to	ADP
gp-256	310	9	-	-	PUNCT
gp-256	310	10	peer	peer	NOUN
gp-256	310	11	lending	lending	NOUN
gp-256	310	12	berdasarkan	berdasarkan	PROPN
gp-256	310	13	karakteristik	karakteristik	PROPN
gp-256	310	14	demografi	demografi	PROPN
gp-256	310	15	.	.	PUNCT
gp-256	311	1	jurnal	jurnal	PROPN
gp-256	311	2	indonesia	indonesia	PROPN
gp-256	311	3	sosial	sosial	PROPN
gp-256	311	4	teknologi	teknologi	PROPN
gp-256	311	5	,	,	PUNCT
gp-256	311	6	2(3	2(3	NUM
gp-256	311	7	)	)	PUNCT
gp-256	311	8	.	.	PUNCT
gp-256	312	1	https://doi.org/10.36418/jist.v2i3.106	https://doi.org/10.36418/jist.v2i3.106	PROPN
gp-256	312	2	purnamasari	purnamasari	PROPN
gp-256	312	3	,	,	PUNCT
gp-256	312	4	e.	e.	PROPN
gp-256	312	5	d.	d.	PROPN
gp-256	312	6	(	(	PUNCT
gp-256	312	7	2020	2020	NUM
gp-256	312	8	)	)	PUNCT
gp-256	312	9	.	.	PUNCT
gp-256	313	1	pengaruh	pengaruh	NOUN
gp-256	313	2	payment	payment	NOUN
gp-256	313	3	gateway	gateway	NOUN
gp-256	313	4	dan	dan	PROPN
gp-256	313	5	peer	peer	NOUN
gp-256	313	6	to	to	ADP
gp-256	313	7	peer	peer	NOUN
gp-256	313	8	lending	lending	NOUN
gp-256	313	9	(	(	PUNCT
gp-256	313	10	p2p	p2p	NOUN
gp-256	313	11	)	)	PUNCT
gp-256	313	12	terhadap	terhadap	PROPN
gp-256	313	13	peningkatan	peningkatan	PROPN
gp-256	313	14	pendapatan	pendapatan	PROPN
gp-256	313	15	di	di	PROPN
gp-256	313	16	kota	kota	PROPN
gp-256	313	17	palembang	palembang	PROPN
gp-256	313	18	.	.	PUNCT
gp-256	314	1	jurnal	jurnal	ADJ
gp-256	314	2	ilmiah	ilmiah	PROPN
gp-256	314	3	ekonomi	ekonomi	PROPN
gp-256	314	4	global	global	PROPN
gp-256	314	5	masa	masa	PROPN
gp-256	314	6	kini	kini	PROPN
gp-256	314	7	,	,	PUNCT
gp-256	314	8	11(1	11(1	NUM
gp-256	314	9	)	)	PUNCT
gp-256	314	10	.	.	PUNCT
gp-256	315	1	https://doi.org/10.36982/jiegmk.v11i1.1063	https://doi.org/10.36982/jiegmk.v11i1.1063	PROPN
gp-256	315	2	putri	putri	ADJ
gp-256	315	3	,	,	PUNCT
gp-256	315	4	g.	g.	PROPN
gp-256	315	5	a.	a.	PROPN
gp-256	315	6	,	,	PUNCT
gp-256	315	7	widagdo	widagdo	PROPN
gp-256	315	8	,	,	PUNCT
gp-256	315	9	a.	a.	PROPN
gp-256	315	10	k.	k.	PROPN
gp-256	315	11	,	,	PUNCT
gp-256	315	12	&	&	CCONJ
gp-256	315	13	setiawan	setiawan	PROPN
gp-256	315	14	,	,	PUNCT
gp-256	315	15	d.	d.	PROPN
gp-256	315	16	(	(	PUNCT
gp-256	315	17	2023	2023	NUM
gp-256	315	18	)	)	PUNCT
gp-256	315	19	.	.	PUNCT
gp-256	316	1	analysis	analysis	NOUN
gp-256	316	2	of	of	ADP
gp-256	316	3	financial	financial	ADJ
gp-256	316	4	technology	technology	NOUN
gp-256	316	5	acceptance	acceptance	NOUN
gp-256	316	6	of	of	ADP
gp-256	316	7	peer	peer	NOUN
gp-256	316	8	to	to	ADP
gp-256	316	9	peer	peer	NOUN
gp-256	316	10	lending	lending	NOUN
gp-256	316	11	(	(	PUNCT
gp-256	316	12	p2p	p2p	NOUN
gp-256	316	13	lending	lending	NOUN
gp-256	316	14	)	)	PUNCT
gp-256	316	15	using	use	VERB
gp-256	316	16	extended	extended	ADJ
gp-256	316	17	technology	technology	NOUN
gp-256	316	18	acceptance	acceptance	NOUN
gp-256	316	19	model	model	NOUN
gp-256	316	20	(	(	PUNCT
gp-256	316	21	tam	tam	PROPN
gp-256	316	22	)	)	PUNCT
gp-256	316	23	.	.	PUNCT
gp-256	317	1	journal	journal	PROPN
gp-256	317	2	of	of	ADP
gp-256	317	3	open	open	ADJ
gp-256	317	4	innovation	innovation	NOUN
gp-256	317	5	:	:	PUNCT
gp-256	317	6	technology	technology	NOUN
gp-256	317	7	,	,	PUNCT
gp-256	317	8	market	market	NOUN
gp-256	317	9	,	,	PUNCT
gp-256	317	10	and	and	CCONJ
gp-256	317	11	complexity	complexity	NOUN
gp-256	317	12	,	,	PUNCT
gp-256	317	13	9(1	9(1	NUM
gp-256	317	14	)	)	PUNCT
gp-256	317	15	.	.	PUNCT
gp-256	318	1	https://doi.org/10.1016/j.joitmc.2023.100027	https://doi.org/10.1016/j.joitmc.2023.100027	PROPN
gp-256	318	2	raya	raya	PROPN
gp-256	318	3	,	,	PUNCT
gp-256	318	4	a.	a.	PROPN
gp-256	318	5	,	,	PUNCT
gp-256	318	6	&	&	CCONJ
gp-256	318	7	kartawinata	kartawinata	PROPN
gp-256	318	8	,	,	PUNCT
gp-256	318	9	b.	b.	PROPN
gp-256	318	10	r.	r.	PROPN
gp-256	318	11	(	(	PUNCT
gp-256	318	12	2022	2022	NUM
gp-256	318	13	)	)	PUNCT
gp-256	318	14	.	.	PUNCT
gp-256	319	1	the	the	DET
gp-256	319	2	influence	influence	NOUN
gp-256	319	3	of	of	ADP
gp-256	319	4	consumer	consumer	NOUN
gp-256	319	5	behavior	behavior	NOUN
gp-256	319	6	and	and	CCONJ
gp-256	319	7	product	product	NOUN
gp-256	319	8	quality	quality	NOUN
gp-256	319	9	on	on	ADP
gp-256	319	10	consumer	consumer	NOUN
gp-256	319	11	decision	decision	NOUN
gp-256	319	12	making	make	VERB
gp-256	319	13	in	in	ADP
gp-256	319	14	selecting	select	VERB
gp-256	319	15	dana	dana	PROPN
gp-256	319	16	as	as	ADP
gp-256	319	17	financial	financial	ADJ
gp-256	319	18	technology	technology	NOUN
gp-256	319	19	mobile	mobile	ADJ
gp-256	319	20	payment	payment	NOUN
gp-256	319	21	application	application	NOUN
gp-256	319	22	.	.	PUNCT
gp-256	320	1	almana	almana	PROPN
gp-256	320	2	 	 	SPACE
gp-256	320	3	:	:	PUNCT
gp-256	320	4	jurnal	jurnal	ADJ
gp-256	320	5	manajemen	manajeman	NOUN
gp-256	320	6	dan	dan	PROPN
gp-256	320	7	bisnis	bisnis	PROPN
gp-256	320	8	,	,	PUNCT
gp-256	320	9	6(1	6(1	NUM
gp-256	320	10	)	)	PUNCT
gp-256	320	11	.	.	PUNCT
gp-256	321	1	https://doi.org/10.36555/almana.v6i1.1744	https://doi.org/10.36555/almana.v6i1.1744	NOUN
gp-256	321	2	teichmann	teichmann	PROPN
gp-256	321	3	,	,	PUNCT
gp-256	321	4	f.	f.	PROPN
gp-256	321	5	m.	m.	PROPN
gp-256	321	6	j.	j.	PROPN
gp-256	321	7	,	,	PUNCT
gp-256	321	8	boticiu	boticiu	PROPN
gp-256	321	9	,	,	PUNCT
gp-256	321	10	s.	s.	PROPN
gp-256	321	11	r.	r.	PROPN
gp-256	321	12	,	,	PUNCT
gp-256	321	13	&	&	CCONJ
gp-256	321	14	sergi	sergi	PROPN
gp-256	321	15	,	,	PUNCT
gp-256	321	16	b.	b.	PROPN
gp-256	321	17	s.	s.	PROPN
gp-256	321	18	(	(	PUNCT
gp-256	321	19	2024	2024	NUM
gp-256	321	20	)	)	PUNCT
gp-256	321	21	.	.	PUNCT
gp-256	322	1	compliance	compliance	NOUN
gp-256	322	2	concerns	concern	NOUN
gp-256	322	3	in	in	ADP
gp-256	322	4	sustainable	sustainable	ADJ
gp-256	322	5	finance	finance	NOUN
gp-256	322	6	:	:	PUNCT
gp-256	322	7	an	an	DET
gp-256	322	8	analysis	analysis	NOUN
gp-256	322	9	of	of	ADP
gp-256	322	10	peer	peer	NOUN
gp-256	322	11	-	-	PUNCT
gp-256	322	12	to	to	ADP
gp-256	322	13	-	-	PUNCT
gp-256	322	14	peer	peer	NOUN
gp-256	322	15	(	(	PUNCT
gp-256	322	16	p2p	p2p	NOUN
gp-256	322	17	)	)	PUNCT
gp-256	322	18	lending	lending	NOUN
gp-256	322	19	platforms	platform	NOUN
gp-256	322	20	and	and	CCONJ
gp-256	322	21	sustainability	sustainability	NOUN
gp-256	322	22	.	.	PUNCT
gp-256	323	1	journal	journal	PROPN
gp-256	323	2	of	of	ADP
gp-256	323	3	financial	financial	ADJ
gp-256	323	4	crime	crime	NOUN
gp-256	323	5	,	,	PUNCT
gp-256	323	6	31(4	31(4	NUM
gp-256	323	7	)	)	PUNCT
gp-256	323	8	.	.	PUNCT
gp-256	324	1	https://doi.org/10.1108/jfc-11-2022-0281	https://doi.org/10.1108/jfc-11-2022-0281	PRON
gp-256	324	2	widyanto	widyanto	NOUN
gp-256	324	3	,	,	PUNCT
gp-256	324	4	h.	h.	PROPN
gp-256	324	5	a.	a.	PROPN
gp-256	324	6	,	,	PUNCT
gp-256	324	7	syahrivar	syahrivar	NOUN
gp-256	324	8	,	,	PUNCT
gp-256	324	9	j.	j.	PROPN
gp-256	324	10	,	,	PUNCT
gp-256	324	11	genoveva	genoveva	PROPN
gp-256	324	12	,	,	PUNCT
gp-256	324	13	g.	g.	PROPN
gp-256	324	14	,	,	PUNCT
gp-256	324	15	&	&	CCONJ
gp-256	324	16	chairy	chairy	PROPN
gp-256	324	17	,	,	PUNCT
gp-256	324	18	c.	c.	PROPN
gp-256	324	19	(	(	PUNCT
gp-256	324	20	2022	2022	NUM
gp-256	324	21	)	)	PUNCT
gp-256	324	22	.	.	PUNCT
gp-256	325	1	intention	intention	NOUN
gp-256	325	2	to	to	PART
gp-256	325	3	use	use	VERB
gp-256	325	4	peer	peer	NOUN
gp-256	325	5	-	-	PUNCT
gp-256	325	6	topeer	topeer	NOUN
gp-256	325	7	(	(	PUNCT
gp-256	325	8	p2p	p2p	NOUN
gp-256	325	9	)	)	PUNCT
gp-256	325	10	lending	lending	NOUN
gp-256	325	11	:	:	PUNCT
gp-256	325	12	the	the	DET
gp-256	325	13	roles	role	NOUN
gp-256	325	14	of	of	ADP
gp-256	325	15	perceived	perceive	VERB
gp-256	325	16	structural	structural	ADJ
gp-256	325	17	assurance	assurance	NOUN
gp-256	325	18	and	and	CCONJ
gp-256	325	19	perceived	perceive	VERB
gp-256	325	20	critical	critical	ADJ
gp-256	325	21	mass	mass	PROPN
gp-256	325	22	.	.	PUNCT
gp-256	326	1	organizations	organization	NOUN
gp-256	326	2	and	and	CCONJ
gp-256	326	3	markets	market	NOUN
gp-256	326	4	in	in	ADP
gp-256	326	5	emerging	emerge	VERB
gp-256	326	6	economies	economy	NOUN
gp-256	326	7	,	,	PUNCT
gp-256	326	8	31(1	31(1	NUM
gp-256	326	9	)	)	PUNCT
gp-256	326	10	.	.	PUNCT
gp-256	327	1	https://doi.org/10.15388/omee.2022.13.76	https://doi.org/10.15388/omee.2022.13.76	PROPN
gp-256	327	2	copyright	copyright	NOUN
gp-256	327	3	holders	holder	NOUN
gp-256	327	4	:	:	PUNCT
gp-256	327	5	rudy	rudy	NOUN
gp-256	327	6	purwadhi	purwadhi	PROPN
gp-256	327	7	,	,	PUNCT
gp-256	327	8	laura	laura	PROPN
gp-256	327	9	lahindah	lahindah	PROPN
gp-256	327	10	(	(	PUNCT
gp-256	327	11	2025	2025	NUM
gp-256	327	12	)	)	PUNCT
gp-256	327	13	first	first	ADJ
gp-256	327	14	publication	publication	NOUN
gp-256	328	1	right	right	NOUN
gp-256	328	2	:	:	PUNCT
gp-256	328	3	ajemb	ajemb	PROPN
gp-256	328	4	–	–	PUNCT
gp-256	328	5	american	american	ADJ
gp-256	328	6	journal	journal	PROPN
gp-256	328	7	of	of	ADP
gp-256	328	8	economic	economic	ADJ
gp-256	328	9	and	and	CCONJ
gp-256	328	10	management	management	NOUN
gp-256	328	11	business	business	NOUN