id	sid	tid	token	lemma	pos
ajfti-5168	1	1	pa	pa	PROPN
ajfti-5168	1	2	ge	ge	PROPN
ajfti-5168	1	3	1	1	NUM
ajfti-5168	1	4	pa	pa	PROPN
ajfti-5168	1	5	ge	ge	PROPN
ajfti-5168	1	6	17	17	NUM
ajfti-5168	1	7	7	7	NUM
ajfti-5168	1	8	american	american	PROPN
ajfti-5168	1	9	journal	journal	PROPN
ajfti-5168	1	10	of	of	ADP
ajfti-5168	1	11	financial	financial	ADJ
ajfti-5168	1	12	technology	technology	NOUN
ajfti-5168	1	13	and	and	CCONJ
ajfti-5168	1	14	innovation	innovation	NOUN
ajfti-5168	1	15	(	(	PUNCT
ajfti-5168	1	16	ajfti	ajfti	NOUN
ajfti-5168	1	17	)	)	PUNCT
ajfti-5168	1	18	ai	ai	AUX
ajfti-5168	1	19	-	-	PUNCT
ajfti-5168	1	20	driven	drive	VERB
ajfti-5168	1	21	fraud	fraud	NOUN
ajfti-5168	1	22	detection	detection	NOUN
ajfti-5168	1	23	in	in	ADP
ajfti-5168	1	24	digital	digital	ADJ
ajfti-5168	1	25	banking	banking	NOUN
ajfti-5168	1	26	:	:	PUNCT
ajfti-5168	1	27	ml	ml	PART
ajfti-5168	1	28	approach	approach	VERB
ajfti-5168	1	29	for	for	ADP
ajfti-5168	1	30	secure	secure	ADJ
ajfti-5168	1	31	and	and	CCONJ
ajfti-5168	1	32	transparent	transparent	ADJ
ajfti-5168	1	33	financial	financial	ADJ
ajfti-5168	1	34	transactions	transaction	NOUN
ajfti-5168	1	35	oreoluwa	oreoluwa	VERB
ajfti-5168	1	36	abimbola	abimbola	PRON
ajfti-5168	1	37	serifat1	serifat1	PROPN
ajfti-5168	1	38	*	*	PUNCT
ajfti-5168	1	39	,	,	PUNCT
ajfti-5168	1	40	roseline	roseline	PROPN
ajfti-5168	1	41	c.	c.	PROPN
ajfti-5168	1	42	igah2	igah2	PROPN
ajfti-5168	1	43	,	,	PUNCT
ajfti-5168	1	44	kehinde	kehinde	PROPN
ajfti-5168	1	45	m	m	PROPN
ajfti-5168	1	46	balogun3	balogun3	NOUN
ajfti-5168	1	47	,	,	PUNCT
ajfti-5168	1	48	gershom	gershom	VERB
ajfti-5168	1	49	randy	randy	PROPN
ajfti-5168	1	50	mensah4	mensah4	PROPN
ajfti-5168	1	51	,	,	PUNCT
ajfti-5168	1	52	emmanuel	emmanuel	PROPN
ajfti-5168	1	53	niiboye	niiboye	PROPN
ajfti-5168	1	54	odai4	odai4	PROPN
ajfti-5168	1	55	volume	volume	NOUN
ajfti-5168	1	56	3	3	NUM
ajfti-5168	1	57	issue	issue	NOUN
ajfti-5168	1	58	1	1	NUM
ajfti-5168	1	59	,	,	PUNCT
ajfti-5168	1	60	year	year	NOUN
ajfti-5168	1	61	2025	2025	NUM
ajfti-5168	1	62	issn	issn	PROPN
ajfti-5168	1	63	:	:	PUNCT
ajfti-5168	1	64	2996	2996	NUM
ajfti-5168	1	65	-	-	SYM
ajfti-5168	1	66	0975	0975	NUM
ajfti-5168	1	67	(	(	PUNCT
ajfti-5168	1	68	online	online	ADJ
ajfti-5168	1	69	)	)	PUNCT
ajfti-5168	1	70	doi	doi	NOUN
ajfti-5168	1	71	:	:	PUNCT
ajfti-5168	1	72	https://doi.org/10.54536/ajfti.v3i1.5168	https://doi.org/10.54536/ajfti.v3i1.5168	NOUN
ajfti-5168	1	73	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-5168	1	74	article	article	NOUN
ajfti-5168	1	75	information	information	NOUN
ajfti-5168	1	76	abstract	abstract	ADV
ajfti-5168	1	77	received	receive	VERB
ajfti-5168	1	78	:	:	PUNCT
ajfti-5168	1	79	august	august	PROPN
ajfti-5168	1	80	25	25	NUM
ajfti-5168	1	81	,	,	PUNCT
ajfti-5168	1	82	2025	2025	NUM
ajfti-5168	1	83	accepted	accept	VERB
ajfti-5168	1	84	:	:	PUNCT
ajfti-5168	1	85	september	september	PROPN
ajfti-5168	1	86	23	23	NUM
ajfti-5168	1	87	,	,	PUNCT
ajfti-5168	1	88	2025	2025	NUM
ajfti-5168	1	89	published	publish	VERB
ajfti-5168	1	90	:	:	PUNCT
ajfti-5168	1	91	october	october	PROPN
ajfti-5168	1	92	25	25	NUM
ajfti-5168	1	93	,	,	PUNCT
ajfti-5168	1	94	2025	2025	NUM
ajfti-5168	1	95	the	the	DET
ajfti-5168	1	96	convenience	convenience	NOUN
ajfti-5168	1	97	of	of	ADP
ajfti-5168	1	98	digital	digital	ADJ
ajfti-5168	1	99	banking	banking	NOUN
ajfti-5168	1	100	services	service	NOUN
ajfti-5168	1	101	has	have	AUX
ajfti-5168	1	102	transformed	transform	VERB
ajfti-5168	1	103	the	the	DET
ajfti-5168	1	104	global	global	ADJ
ajfti-5168	1	105	financial	financial	ADJ
ajfti-5168	1	106	industry	industry	NOUN
ajfti-5168	1	107	and	and	CCONJ
ajfti-5168	1	108	is	be	AUX
ajfti-5168	1	109	now	now	ADV
ajfti-5168	1	110	available	available	ADJ
ajfti-5168	1	111	to	to	ADP
ajfti-5168	1	112	consumers	consumer	NOUN
ajfti-5168	1	113	all	all	ADV
ajfti-5168	1	114	over	over	ADP
ajfti-5168	1	115	the	the	DET
ajfti-5168	1	116	world	world	NOUN
ajfti-5168	1	117	.	.	PUNCT
ajfti-5168	2	1	as	as	ADP
ajfti-5168	2	2	with	with	ADP
ajfti-5168	2	3	any	any	DET
ajfti-5168	2	4	advancement	advancement	NOUN
ajfti-5168	2	5	,	,	PUNCT
ajfti-5168	2	6	there	there	PRON
ajfti-5168	2	7	’s	’	VERB
ajfti-5168	2	8	an	an	DET
ajfti-5168	2	9	increase	increase	NOUN
ajfti-5168	2	10	in	in	ADP
ajfti-5168	2	11	associated	associated	ADJ
ajfti-5168	2	12	risk	risk	NOUN
ajfti-5168	2	13	.	.	PUNCT
ajfti-5168	3	1	in	in	ADP
ajfti-5168	3	2	this	this	DET
ajfti-5168	3	3	case	case	NOUN
ajfti-5168	3	4	,	,	PUNCT
ajfti-5168	3	5	we	we	PRON
ajfti-5168	3	6	have	have	VERB
ajfti-5168	3	7	an	an	DET
ajfti-5168	3	8	upsurge	upsurge	NOUN
ajfti-5168	3	9	in	in	ADP
ajfti-5168	3	10	fraudulent	fraudulent	ADJ
ajfti-5168	3	11	activity	activity	NOUN
ajfti-5168	3	12	,	,	PUNCT
ajfti-5168	3	13	the	the	DET
ajfti-5168	3	14	mobility	mobility	NOUN
ajfti-5168	3	15	of	of	ADP
ajfti-5168	3	16	cybercriminals	cybercriminal	NOUN
ajfti-5168	3	17	,	,	PUNCT
ajfti-5168	3	18	and	and	CCONJ
ajfti-5168	3	19	their	their	PRON
ajfti-5168	3	20	more	more	ADV
ajfti-5168	3	21	advanced	advanced	ADJ
ajfti-5168	3	22	technologies	technology	NOUN
ajfti-5168	3	23	to	to	PART
ajfti-5168	3	24	breach	breach	VERB
ajfti-5168	3	25	vulnerabilities	vulnerability	NOUN
ajfti-5168	3	26	within	within	ADP
ajfti-5168	3	27	digital	digital	ADJ
ajfti-5168	3	28	infrastructures	infrastructure	NOUN
ajfti-5168	3	29	.	.	PUNCT
ajfti-5168	4	1	indeed	indeed	ADV
ajfti-5168	4	2	,	,	PUNCT
ajfti-5168	4	3	financial	financial	ADJ
ajfti-5168	4	4	crimes	crime	NOUN
ajfti-5168	4	5	are	be	AUX
ajfti-5168	4	6	constantly	constantly	ADV
ajfti-5168	4	7	evolving	evolve	VERB
ajfti-5168	4	8	like	like	ADP
ajfti-5168	4	9	the	the	DET
ajfti-5168	4	10	rest	rest	NOUN
ajfti-5168	4	11	of	of	ADP
ajfti-5168	4	12	technology	technology	NOUN
ajfti-5168	4	13	and	and	CCONJ
ajfti-5168	4	14	society	society	NOUN
ajfti-5168	4	15	.	.	PUNCT
ajfti-5168	5	1	those	those	PRON
ajfti-5168	5	2	who	who	PRON
ajfti-5168	5	3	monitor	monitor	VERB
ajfti-5168	5	4	and	and	CCONJ
ajfti-5168	5	5	manually	manually	ADV
ajfti-5168	5	6	analyse	analyse	NOUN
ajfti-5168	5	7	systems	system	NOUN
ajfti-5168	5	8	are	be	AUX
ajfti-5168	5	9	no	no	DET
ajfti-5168	5	10	match	match	NOUN
ajfti-5168	5	11	for	for	ADP
ajfti-5168	5	12	the	the	DET
ajfti-5168	5	13	speed	speed	NOUN
ajfti-5168	5	14	at	at	ADP
ajfti-5168	5	15	which	which	PRON
ajfti-5168	5	16	criminals	criminal	NOUN
ajfti-5168	5	17	can	can	AUX
ajfti-5168	5	18	devise	devise	VERB
ajfti-5168	5	19	new	new	ADJ
ajfti-5168	5	20	rule	rule	NOUN
ajfti-5168	5	21	-	-	PUNCT
ajfti-5168	5	22	of	of	ADP
ajfti-5168	5	23	-	-	PUNCT
ajfti-5168	5	24	thumb	thumb	NOUN
ajfti-5168	5	25	schemes	scheme	NOUN
ajfti-5168	5	26	.	.	PUNCT
ajfti-5168	6	1	this	this	DET
ajfti-5168	6	2	article	article	NOUN
ajfti-5168	6	3	examines	examine	VERB
ajfti-5168	6	4	how	how	SCONJ
ajfti-5168	6	5	artificial	artificial	ADJ
ajfti-5168	6	6	intelligence	intelligence	NOUN
ajfti-5168	6	7	and	and	CCONJ
ajfti-5168	6	8	machine	machine	NOUN
ajfti-5168	6	9	learning	learning	NOUN
ajfti-5168	6	10	can	can	AUX
ajfti-5168	6	11	reform	reform	VERB
ajfti-5168	6	12	the	the	DET
ajfti-5168	6	13	detection	detection	NOUN
ajfti-5168	6	14	of	of	ADP
ajfti-5168	6	15	fraud	fraud	NOUN
ajfti-5168	6	16	within	within	ADP
ajfti-5168	6	17	digital	digital	ADJ
ajfti-5168	6	18	banking	banking	NOUN
ajfti-5168	6	19	systems	system	NOUN
ajfti-5168	6	20	.	.	PUNCT
ajfti-5168	7	1	the	the	DET
ajfti-5168	7	2	research	research	NOUN
ajfti-5168	7	3	analyses	analyse	VERB
ajfti-5168	7	4	different	different	ADJ
ajfti-5168	7	5	techniques	technique	NOUN
ajfti-5168	7	6	of	of	ADP
ajfti-5168	7	7	ai	ai	PROPN
ajfti-5168	7	8	and	and	CCONJ
ajfti-5168	7	9	ml	ml	PROPN
ajfti-5168	7	10	,	,	PUNCT
ajfti-5168	7	11	supervised	supervised	ADJ
ajfti-5168	7	12	learning	learning	NOUN
ajfti-5168	7	13	,	,	PUNCT
ajfti-5168	7	14	unsupervised	unsupervised	ADJ
ajfti-5168	7	15	learning	learning	NOUN
ajfti-5168	7	16	,	,	PUNCT
ajfti-5168	7	17	ensemble	ensemble	ADJ
ajfti-5168	7	18	,	,	PUNCT
ajfti-5168	7	19	and	and	CCONJ
ajfti-5168	7	20	deep	deep	ADJ
ajfti-5168	7	21	learning	learning	NOUN
ajfti-5168	7	22	approaches	approach	NOUN
ajfti-5168	7	23	,	,	PUNCT
ajfti-5168	7	24	while	while	SCONJ
ajfti-5168	7	25	also	also	ADV
ajfti-5168	7	26	observing	observe	VERB
ajfti-5168	7	27	their	their	PRON
ajfti-5168	7	28	uses	use	NOUN
ajfti-5168	7	29	in	in	ADP
ajfti-5168	7	30	practical	practical	ADJ
ajfti-5168	7	31	fraud	fraud	NOUN
ajfti-5168	7	32	detection	detection	NOUN
ajfti-5168	7	33	systems	system	NOUN
ajfti-5168	7	34	.	.	PUNCT
ajfti-5168	8	1	the	the	DET
ajfti-5168	8	2	paper	paper	NOUN
ajfti-5168	8	3	also	also	ADV
ajfti-5168	8	4	analyses	analyse	VERB
ajfti-5168	8	5	the	the	DET
ajfti-5168	8	6	ethical	ethical	ADJ
ajfti-5168	8	7	and	and	CCONJ
ajfti-5168	8	8	legal	legal	ADJ
ajfti-5168	8	9	concerns	concern	NOUN
ajfti-5168	8	10	involving	involve	VERB
ajfti-5168	8	11	the	the	DET
ajfti-5168	8	12	use	use	NOUN
ajfti-5168	8	13	of	of	ADP
ajfti-5168	8	14	ai	ai	NOUN
ajfti-5168	8	15	within	within	ADP
ajfti-5168	8	16	banking	banking	NOUN
ajfti-5168	8	17	,	,	PUNCT
ajfti-5168	8	18	considering	consider	VERB
ajfti-5168	8	19	data	datum	NOUN
ajfti-5168	8	20	issues	issue	NOUN
ajfti-5168	8	21	,	,	PUNCT
ajfti-5168	8	22	algorithmic	algorithmic	ADJ
ajfti-5168	8	23	discrimination	discrimination	NOUN
ajfti-5168	8	24	,	,	PUNCT
ajfti-5168	8	25	and	and	CCONJ
ajfti-5168	8	26	other	other	ADJ
ajfti-5168	8	27	contentious	contentious	ADJ
ajfti-5168	8	28	aspects	aspect	NOUN
ajfti-5168	8	29	of	of	ADP
ajfti-5168	8	30	legal	legal	ADJ
ajfti-5168	8	31	compliance	compliance	NOUN
ajfti-5168	8	32	,	,	PUNCT
ajfti-5168	8	33	including	include	VERB
ajfti-5168	8	34	quasi	quasi	ADJ
ajfti-5168	8	35	-	-	ADJ
ajfti-5168	8	36	legal	legal	ADJ
ajfti-5168	8	37	frameworks	framework	NOUN
ajfti-5168	8	38	like	like	ADP
ajfti-5168	8	39	gdpr	gdpr	NOUN
ajfti-5168	8	40	and	and	CCONJ
ajfti-5168	8	41	pci	pci	ADJ
ajfti-5168	8	42	-	-	PUNCT
ajfti-5168	8	43	dss	dss	NOUN
ajfti-5168	8	44	.	.	PUNCT
ajfti-5168	9	1	it	it	PRON
ajfti-5168	9	2	also	also	ADV
ajfti-5168	9	3	explores	explore	VERB
ajfti-5168	9	4	some	some	PRON
ajfti-5168	9	5	of	of	ADP
ajfti-5168	9	6	the	the	DET
ajfti-5168	9	7	newer	new	ADJ
ajfti-5168	9	8	directions	direction	NOUN
ajfti-5168	9	9	in	in	ADP
ajfti-5168	9	10	ai	ai	NOUN
ajfti-5168	9	11	,	,	PUNCT
ajfti-5168	9	12	like	like	ADP
ajfti-5168	9	13	quantum	quantum	NOUN
ajfti-5168	9	14	computing	computing	NOUN
ajfti-5168	9	15	,	,	PUNCT
ajfti-5168	9	16	explainable	explainable	ADJ
ajfti-5168	9	17	ai	ai	NOUN
ajfti-5168	9	18	(	(	PUNCT
ajfti-5168	9	19	xai	xai	PROPN
ajfti-5168	9	20	)	)	PUNCT
ajfti-5168	9	21	,	,	PUNCT
ajfti-5168	9	22	and	and	CCONJ
ajfti-5168	9	23	federated	federated	ADJ
ajfti-5168	9	24	learning	learning	NOUN
ajfti-5168	9	25	,	,	PUNCT
ajfti-5168	9	26	and	and	CCONJ
ajfti-5168	9	27	their	their	PRON
ajfti-5168	9	28	potential	potential	ADJ
ajfti-5168	9	29	implications	implication	NOUN
ajfti-5168	9	30	to	to	ADP
ajfti-5168	9	31	improving	improve	VERB
ajfti-5168	9	32	fraud	fraud	NOUN
ajfti-5168	9	33	detection	detection	NOUN
ajfti-5168	9	34	systems	system	NOUN
ajfti-5168	9	35	performance	performance	NOUN
ajfti-5168	9	36	.	.	PUNCT
ajfti-5168	10	1	finally	finally	ADV
ajfti-5168	10	2	,	,	PUNCT
ajfti-5168	10	3	the	the	DET
ajfti-5168	10	4	focus	focus	NOUN
ajfti-5168	10	5	of	of	ADP
ajfti-5168	10	6	this	this	DET
ajfti-5168	10	7	paper	paper	NOUN
ajfti-5168	10	8	has	have	AUX
ajfti-5168	10	9	been	be	AUX
ajfti-5168	10	10	on	on	ADP
ajfti-5168	10	11	a	a	DET
ajfti-5168	10	12	continuing	continue	VERB
ajfti-5168	10	13	effort	effort	NOUN
ajfti-5168	10	14	and	and	CCONJ
ajfti-5168	10	15	partnership	partnership	NOUN
ajfti-5168	10	16	across	across	ADP
ajfti-5168	10	17	sectors	sector	NOUN
ajfti-5168	10	18	in	in	ADP
ajfti-5168	10	19	building	build	VERB
ajfti-5168	10	20	resilient	resilient	ADJ
ajfti-5168	10	21	,	,	PUNCT
ajfti-5168	10	22	secure	secure	ADJ
ajfti-5168	10	23	,	,	PUNCT
ajfti-5168	10	24	transparent	transparent	ADJ
ajfti-5168	10	25	financial	financial	ADJ
ajfti-5168	10	26	systems	system	NOUN
ajfti-5168	10	27	.	.	PUNCT
ajfti-5168	11	1	ai	ai	VERB
ajfti-5168	11	2	,	,	PUNCT
ajfti-5168	11	3	ml	ml	ADV
ajfti-5168	11	4	,	,	PUNCT
ajfti-5168	11	5	and	and	CCONJ
ajfti-5168	11	6	blockchain	blockchain	PROPN
ajfti-5168	11	7	technologies	technology	NOUN
ajfti-5168	11	8	enhance	enhance	VERB
ajfti-5168	11	9	the	the	DET
ajfti-5168	11	10	capability	capability	NOUN
ajfti-5168	11	11	to	to	PART
ajfti-5168	11	12	prevent	prevent	VERB
ajfti-5168	11	13	fraud	fraud	NOUN
ajfti-5168	11	14	in	in	ADP
ajfti-5168	11	15	digital	digital	ADJ
ajfti-5168	11	16	banking	banking	NOUN
ajfti-5168	11	17	,	,	PUNCT
ajfti-5168	11	18	while	while	SCONJ
ajfti-5168	11	19	ensuring	ensure	VERB
ajfti-5168	11	20	and	and	CCONJ
ajfti-5168	11	21	maintaining	maintain	VERB
ajfti-5168	11	22	customer	customer	NOUN
ajfti-5168	11	23	trust	trust	NOUN
ajfti-5168	11	24	and	and	CCONJ
ajfti-5168	11	25	security	security	NOUN
ajfti-5168	11	26	in	in	ADP
ajfti-5168	11	27	financial	financial	ADJ
ajfti-5168	11	28	transactions	transaction	NOUN
ajfti-5168	11	29	.	.	PUNCT
ajfti-5168	12	1	keywords	keyword	VERB
ajfti-5168	12	2	artificial	artificial	ADJ
ajfti-5168	12	3	intelligence	intelligence	NOUN
ajfti-5168	12	4	(	(	PUNCT
ajfti-5168	12	5	ai	ai	NOUN
ajfti-5168	12	6	)	)	PUNCT
ajfti-5168	12	7	,	,	PUNCT
ajfti-5168	12	8	digital	digital	ADJ
ajfti-5168	12	9	banking	banking	NOUN
ajfti-5168	12	10	,	,	PUNCT
ajfti-5168	12	11	fraud	fraud	NOUN
ajfti-5168	12	12	detection	detection	NOUN
ajfti-5168	12	13	,	,	PUNCT
ajfti-5168	12	14	machine	machine	NOUN
ajfti-5168	12	15	learning	learning	NOUN
ajfti-5168	12	16	(	(	PUNCT
ajfti-5168	12	17	ml	ml	NOUN
ajfti-5168	12	18	)	)	PUNCT
ajfti-5168	12	19	introduction	introduction	NOUN
ajfti-5168	12	20	digital	digital	ADJ
ajfti-5168	12	21	banking	banking	NOUN
ajfti-5168	12	22	represents	represent	VERB
ajfti-5168	12	23	a	a	DET
ajfti-5168	12	24	fundamental	fundamental	ADJ
ajfti-5168	12	25	change	change	NOUN
ajfti-5168	12	26	in	in	ADP
ajfti-5168	12	27	the	the	DET
ajfti-5168	12	28	finance	finance	NOUN
ajfti-5168	12	29	by	by	ADP
ajfti-5168	12	30	transforming	transform	VERB
ajfti-5168	12	31	the	the	DET
ajfti-5168	12	32	ways	way	NOUN
ajfti-5168	12	33	that	that	PRON
ajfti-5168	12	34	people	people	NOUN
ajfti-5168	12	35	access	access	VERB
ajfti-5168	12	36	and	and	CCONJ
ajfti-5168	12	37	handle	handle	VERB
ajfti-5168	12	38	their	their	PRON
ajfti-5168	12	39	money	money	NOUN
ajfti-5168	12	40	,	,	PUNCT
ajfti-5168	12	41	for	for	ADP
ajfti-5168	12	42	example	example	NOUN
ajfti-5168	12	43	(	(	PUNCT
ajfti-5168	12	44	mohmmed	mohmme	VERB
ajfti-5168	12	45	et	et	PROPN
ajfti-5168	12	46	al	al	PROPN
ajfti-5168	12	47	.	.	PROPN
ajfti-5168	12	48	,	,	PUNCT
ajfti-5168	12	49	2024	2024	NUM
ajfti-5168	12	50	)	)	PUNCT
ajfti-5168	12	51	.	.	PUNCT
ajfti-5168	13	1	digital	digital	ADJ
ajfti-5168	13	2	banking	banking	NOUN
ajfti-5168	13	3	,	,	PUNCT
ajfti-5168	13	4	through	through	ADP
ajfti-5168	13	5	online	online	ADJ
ajfti-5168	13	6	and	and	CCONJ
ajfti-5168	13	7	mobile	mobile	ADJ
ajfti-5168	13	8	banking	banking	NOUN
ajfti-5168	13	9	,	,	PUNCT
ajfti-5168	13	10	or	or	CCONJ
ajfti-5168	13	11	use	use	NOUN
ajfti-5168	13	12	of	of	ADP
ajfti-5168	13	13	digital	digital	ADJ
ajfti-5168	13	14	or	or	CCONJ
ajfti-5168	13	15	ewallets	ewallet	NOUN
ajfti-5168	13	16	,	,	PUNCT
ajfti-5168	13	17	has	have	AUX
ajfti-5168	13	18	increased	increase	VERB
ajfti-5168	13	19	access	access	NOUN
ajfti-5168	13	20	to	to	ADP
ajfti-5168	13	21	financial	financial	ADJ
ajfti-5168	13	22	services	service	NOUN
ajfti-5168	13	23	by	by	ADP
ajfti-5168	13	24	making	make	VERB
ajfti-5168	13	25	them	they	PRON
ajfti-5168	13	26	more	more	ADV
ajfti-5168	13	27	accessible	accessible	ADJ
ajfti-5168	13	28	,	,	PUNCT
ajfti-5168	13	29	convenient	convenient	ADJ
ajfti-5168	13	30	,	,	PUNCT
ajfti-5168	13	31	and	and	CCONJ
ajfti-5168	13	32	efficient	efficient	ADJ
ajfti-5168	13	33	(	(	PUNCT
ajfti-5168	13	34	barroso	barroso	PROPN
ajfti-5168	13	35	&	&	CCONJ
ajfti-5168	13	36	laborda	laborda	PROPN
ajfti-5168	13	37	,	,	PUNCT
ajfti-5168	13	38	2022	2022	NUM
ajfti-5168	13	39	;	;	PUNCT
ajfti-5168	13	40	oduro	oduro	NOUN
ajfti-5168	13	41	et	et	PROPN
ajfti-5168	13	42	al	al	PROPN
ajfti-5168	13	43	.	.	PROPN
ajfti-5168	13	44	,	,	PUNCT
ajfti-5168	13	45	2025	2025	NUM
ajfti-5168	13	46	)	)	PUNCT
ajfti-5168	13	47	.	.	PUNCT
ajfti-5168	14	1	consumers	consumer	NOUN
ajfti-5168	14	2	can	can	AUX
ajfti-5168	14	3	now	now	ADV
ajfti-5168	14	4	execute	execute	VERB
ajfti-5168	14	5	various	various	ADJ
ajfti-5168	14	6	banking	banking	NOUN
ajfti-5168	14	7	transactions	transaction	NOUN
ajfti-5168	14	8	from	from	ADP
ajfti-5168	14	9	any	any	DET
ajfti-5168	14	10	location	location	NOUN
ajfti-5168	14	11	at	at	ADP
ajfti-5168	14	12	any	any	DET
ajfti-5168	14	13	moment	moment	NOUN
ajfti-5168	14	14	which	which	PRON
ajfti-5168	14	15	leads	lead	VERB
ajfti-5168	14	16	to	to	ADP
ajfti-5168	14	17	enhanced	enhanced	ADJ
ajfti-5168	14	18	financial	financial	ADJ
ajfti-5168	14	19	inclusion	inclusion	NOUN
ajfti-5168	14	20	and	and	CCONJ
ajfti-5168	14	21	equal	equal	ADJ
ajfti-5168	14	22	access	access	NOUN
ajfti-5168	14	23	to	to	ADP
ajfti-5168	14	24	banking	banking	NOUN
ajfti-5168	14	25	services	service	NOUN
ajfti-5168	14	26	.	.	PUNCT
ajfti-5168	15	1	digital	digital	ADJ
ajfti-5168	15	2	banking	banking	NOUN
ajfti-5168	15	3	solutions	solution	NOUN
ajfti-5168	15	4	enable	enable	VERB
ajfti-5168	15	5	businesses	business	NOUN
ajfti-5168	15	6	to	to	PART
ajfti-5168	15	7	enhance	enhance	VERB
ajfti-5168	15	8	operational	operational	ADJ
ajfti-5168	15	9	processes	process	NOUN
ajfti-5168	15	10	while	while	SCONJ
ajfti-5168	15	11	cutting	cut	VERB
ajfti-5168	15	12	operational	operational	ADJ
ajfti-5168	15	13	expenses	expense	NOUN
ajfti-5168	15	14	and	and	CCONJ
ajfti-5168	15	15	offering	offer	VERB
ajfti-5168	15	16	customized	customized	ADJ
ajfti-5168	15	17	services	service	NOUN
ajfti-5168	15	18	to	to	ADP
ajfti-5168	15	19	their	their	PRON
ajfti-5168	15	20	clients	client	NOUN
ajfti-5168	15	21	(	(	PUNCT
ajfti-5168	15	22	bueno	bueno	PROPN
ajfti-5168	15	23	et	et	PROPN
ajfti-5168	15	24	al	al	PROPN
ajfti-5168	15	25	.	.	PROPN
ajfti-5168	15	26	,	,	PUNCT
ajfti-5168	15	27	2024	2024	NUM
ajfti-5168	15	28	)	)	PUNCT
ajfti-5168	15	29	.	.	PUNCT
ajfti-5168	16	1	the	the	DET
ajfti-5168	16	2	expansion	expansion	NOUN
ajfti-5168	16	3	of	of	ADP
ajfti-5168	16	4	the	the	DET
ajfti-5168	16	5	digital	digital	ADJ
ajfti-5168	16	6	landscape	landscape	NOUN
ajfti-5168	16	7	creates	create	VERB
ajfti-5168	16	8	greater	great	ADJ
ajfti-5168	16	9	opportunities	opportunity	NOUN
ajfti-5168	16	10	for	for	SCONJ
ajfti-5168	16	11	financial	financial	ADJ
ajfti-5168	16	12	fraud	fraud	NOUN
ajfti-5168	16	13	to	to	PART
ajfti-5168	16	14	occur	occur	VERB
ajfti-5168	16	15	.	.	PUNCT
ajfti-5168	17	1	online	online	ADJ
ajfti-5168	17	2	transaction	transaction	NOUN
ajfti-5168	17	3	growth	growth	NOUN
ajfti-5168	17	4	leads	lead	VERB
ajfti-5168	17	5	to	to	ADP
ajfti-5168	17	6	a	a	DET
ajfti-5168	17	7	highly	highly	ADV
ajfti-5168	17	8	susceptible	susceptible	ADJ
ajfti-5168	17	9	financial	financial	ADJ
ajfti-5168	17	10	environment	environment	NOUN
ajfti-5168	17	11	for	for	ADP
ajfti-5168	17	12	numerous	numerous	ADJ
ajfti-5168	17	13	criminal	criminal	ADJ
ajfti-5168	17	14	activities	activity	NOUN
ajfti-5168	17	15	(	(	PUNCT
ajfti-5168	17	16	kipngetich	kipngetich	NOUN
ajfti-5168	17	17	,	,	PUNCT
ajfti-5168	17	18	2025	2025	NUM
ajfti-5168	17	19	)	)	PUNCT
ajfti-5168	17	20	.	.	PUNCT
ajfti-5168	18	1	fraudsters	fraudster	NOUN
ajfti-5168	18	2	exploit	exploit	VERB
ajfti-5168	18	3	digital	digital	ADJ
ajfti-5168	18	4	platforms	platform	NOUN
ajfti-5168	18	5	to	to	PART
ajfti-5168	18	6	target	target	VERB
ajfti-5168	18	7	financial	financial	ADJ
ajfti-5168	18	8	system	system	NOUN
ajfti-5168	18	9	vulnerabilities	vulnerability	NOUN
ajfti-5168	18	10	using	use	VERB
ajfti-5168	18	11	advanced	advanced	ADJ
ajfti-5168	18	12	techniques	technique	NOUN
ajfti-5168	18	13	to	to	PART
ajfti-5168	18	14	overcome	overcome	VERB
ajfti-5168	18	15	conventional	conventional	ADJ
ajfti-5168	18	16	security	security	NOUN
ajfti-5168	18	17	barriers	barrier	NOUN
ajfti-5168	18	18	.	.	PUNCT
ajfti-5168	19	1	as	as	SCONJ
ajfti-5168	19	2	digital	digital	ADJ
ajfti-5168	19	3	platforms	platform	NOUN
ajfti-5168	19	4	become	become	VERB
ajfti-5168	19	5	essential	essential	ADJ
ajfti-5168	19	6	for	for	ADP
ajfti-5168	19	7	daily	daily	ADJ
ajfti-5168	19	8	banking	banking	NOUN
ajfti-5168	19	9	operations	operation	NOUN
ajfti-5168	19	10	,	,	PUNCT
ajfti-5168	19	11	there	there	PRON
ajfti-5168	19	12	has	have	AUX
ajfti-5168	19	13	been	be	AUX
ajfti-5168	19	14	a	a	DET
ajfti-5168	19	15	substantial	substantial	ADJ
ajfti-5168	19	16	rise	rise	NOUN
ajfti-5168	19	17	in	in	ADP
ajfti-5168	19	18	fraudulent	fraudulent	ADJ
ajfti-5168	19	19	activities	activity	NOUN
ajfti-5168	19	20	including	include	VERB
ajfti-5168	19	21	identity	identity	NOUN
ajfti-5168	19	22	theft	theft	NOUN
ajfti-5168	19	23	,	,	PUNCT
ajfti-5168	19	24	card	card	NOUN
ajfti-5168	19	25	-	-	PUNCT
ajfti-5168	19	26	not	not	PART
ajfti-5168	19	27	-	-	PUNCT
ajfti-5168	19	28	present	present	ADJ
ajfti-5168	19	29	fraud	fraud	NOUN
ajfti-5168	19	30	,	,	PUNCT
ajfti-5168	19	31	account	account	NOUN
ajfti-5168	19	32	takeovers	takeover	NOUN
ajfti-5168	19	33	and	and	CCONJ
ajfti-5168	19	34	money	money	NOUN
ajfti-5168	19	35	laundering	laundering	NOUN
ajfti-5168	19	36	(	(	PUNCT
ajfti-5168	19	37	adeyeri	adeyeri	NOUN
ajfti-5168	19	38	et	et	PROPN
ajfti-5168	19	39	al	al	PROPN
ajfti-5168	19	40	.	.	PROPN
ajfti-5168	19	41	,	,	PUNCT
ajfti-5168	19	42	2023	2023	NUM
ajfti-5168	19	43	)	)	PUNCT
ajfti-5168	19	44	.	.	PUNCT
ajfti-5168	20	1	traditional	traditional	ADJ
ajfti-5168	20	2	fraud	fraud	NOUN
ajfti-5168	20	3	detection	detection	NOUN
ajfti-5168	20	4	methods	method	NOUN
ajfti-5168	20	5	that	that	PRON
ajfti-5168	20	6	depend	depend	VERB
ajfti-5168	20	7	on	on	ADP
ajfti-5168	20	8	rule	rule	NOUN
ajfti-5168	20	9	-	-	PUNCT
ajfti-5168	20	10	based	base	VERB
ajfti-5168	20	11	algorithms	algorithm	NOUN
ajfti-5168	20	12	and	and	CCONJ
ajfti-5168	20	13	human	human	ADJ
ajfti-5168	20	14	supervision	supervision	NOUN
ajfti-5168	20	15	fail	fail	VERB
ajfti-5168	20	16	to	to	PART
ajfti-5168	20	17	match	match	VERB
ajfti-5168	20	18	the	the	DET
ajfti-5168	20	19	speed	speed	NOUN
ajfti-5168	20	20	and	and	CCONJ
ajfti-5168	20	21	complexity	complexity	NOUN
ajfti-5168	20	22	of	of	ADP
ajfti-5168	20	23	current	current	ADJ
ajfti-5168	20	24	fraudulent	fraudulent	ADJ
ajfti-5168	20	25	activities	activity	NOUN
ajfti-5168	20	26	(	(	PUNCT
ajfti-5168	20	27	ismaeil	ismaeil	NOUN
ajfti-5168	20	28	,	,	PUNCT
ajfti-5168	20	29	2024	2024	NUM
ajfti-5168	20	30	)	)	PUNCT
ajfti-5168	20	31	.	.	PUNCT
ajfti-5168	21	1	as	as	ADP
ajfti-5168	21	2	the	the	DET
ajfti-5168	21	3	fraud	fraud	NOUN
ajfti-5168	21	4	increases	increase	VERB
ajfti-5168	21	5	,	,	PUNCT
ajfti-5168	21	6	the	the	DET
ajfti-5168	21	7	need	need	NOUN
ajfti-5168	21	8	for	for	ADP
ajfti-5168	21	9	automated	automate	VERB
ajfti-5168	21	10	,	,	PUNCT
ajfti-5168	21	11	innovative	innovative	ADJ
ajfti-5168	21	12	and	and	CCONJ
ajfti-5168	21	13	real	real	ADJ
ajfti-5168	21	14	-	-	PUNCT
ajfti-5168	21	15	time	time	NOUN
ajfti-5168	21	16	detection	detection	NOUN
ajfti-5168	21	17	solutions	solution	NOUN
ajfti-5168	21	18	is	be	AUX
ajfti-5168	21	19	evident	evident	ADJ
ajfti-5168	21	20	.	.	PUNCT
ajfti-5168	22	1	banking	banking	NOUN
ajfti-5168	22	2	is	be	AUX
ajfti-5168	22	3	realizing	realize	VERB
ajfti-5168	22	4	that	that	SCONJ
ajfti-5168	22	5	traditional	traditional	ADJ
ajfti-5168	22	6	fraud	fraud	NOUN
ajfti-5168	22	7	detection	detection	NOUN
ajfti-5168	22	8	has	have	VERB
ajfti-5168	22	9	its	its	PRON
ajfti-5168	22	10	weaknesses	weakness	NOUN
ajfti-5168	22	11	;	;	PUNCT
ajfti-5168	22	12	high	high	ADJ
ajfti-5168	22	13	rates	rate	NOUN
ajfti-5168	22	14	of	of	ADP
ajfti-5168	22	15	false	false	ADJ
ajfti-5168	22	16	positives	positive	NOUN
ajfti-5168	22	17	,	,	PUNCT
ajfti-5168	22	18	expensive	expensive	ADJ
ajfti-5168	22	19	manual	manual	ADJ
ajfti-5168	22	20	review	review	NOUN
ajfti-5168	22	21	process	process	NOUN
ajfti-5168	22	22	,	,	PUNCT
ajfti-5168	22	23	and	and	CCONJ
ajfti-5168	22	24	lack	lack	NOUN
ajfti-5168	22	25	of	of	ADP
ajfti-5168	22	26	ability	ability	NOUN
ajfti-5168	22	27	to	to	PART
ajfti-5168	22	28	expose	expose	VERB
ajfti-5168	22	29	new	new	ADJ
ajfti-5168	22	30	,	,	PUNCT
ajfti-5168	22	31	emerging	emerge	VERB
ajfti-5168	22	32	fraud	fraud	NOUN
ajfti-5168	22	33	patterns	pattern	NOUN
ajfti-5168	22	34	.	.	PUNCT
ajfti-5168	23	1	this	this	DET
ajfti-5168	23	2	realization	realization	NOUN
ajfti-5168	23	3	has	have	AUX
ajfti-5168	23	4	given	give	VERB
ajfti-5168	23	5	rise	rise	NOUN
ajfti-5168	23	6	to	to	ADP
ajfti-5168	23	7	a	a	DET
ajfti-5168	23	8	more	more	ADV
ajfti-5168	23	9	nuanced	nuanced	ADJ
ajfti-5168	23	10	application	application	NOUN
ajfti-5168	23	11	of	of	ADP
ajfti-5168	23	12	techniques	technique	NOUN
ajfti-5168	23	13	,	,	PUNCT
ajfti-5168	23	14	especially	especially	ADV
ajfti-5168	23	15	utilizing	utilize	VERB
ajfti-5168	23	16	artificial	artificial	ADJ
ajfti-5168	23	17	intelligence	intelligence	NOUN
ajfti-5168	23	18	and	and	CCONJ
ajfti-5168	23	19	machine	machine	NOUN
ajfti-5168	23	20	learning	learning	NOUN
ajfti-5168	23	21	(	(	PUNCT
ajfti-5168	23	22	ai	ai	VERB
ajfti-5168	23	23	/	/	SYM
ajfti-5168	23	24	ml	ml	NOUN
ajfti-5168	23	25	)	)	PUNCT
ajfti-5168	23	26	(	(	PUNCT
ajfti-5168	23	27	olowu	olowu	NOUN
ajfti-5168	23	28	et	et	NOUN
ajfti-5168	23	29	al	al	PROPN
ajfti-5168	23	30	.	.	PROPN
ajfti-5168	23	31	,	,	PUNCT
ajfti-5168	23	32	2024	2024	NUM
ajfti-5168	23	33	)	)	PUNCT
ajfti-5168	23	34	.	.	PUNCT
ajfti-5168	24	1	the	the	DET
ajfti-5168	24	2	need	need	NOUN
ajfti-5168	24	3	to	to	PART
ajfti-5168	24	4	adapt	adapt	VERB
ajfti-5168	24	5	to	to	ADP
ajfti-5168	24	6	new	new	ADJ
ajfti-5168	24	7	schemes	scheme	NOUN
ajfti-5168	24	8	and	and	CCONJ
ajfti-5168	24	9	the	the	DET
ajfti-5168	24	10	capability	capability	NOUN
ajfti-5168	24	11	of	of	ADP
ajfti-5168	24	12	ai	ai	PROPN
ajfti-5168	24	13	technologies	technology	NOUN
ajfti-5168	24	14	in	in	ADP
ajfti-5168	24	15	large	large	ADJ
ajfti-5168	24	16	data	datum	NOUN
ajfti-5168	24	17	analysis	analysis	NOUN
ajfti-5168	24	18	,	,	PUNCT
ajfti-5168	24	19	pattern	pattern	NOUN
ajfti-5168	24	20	recognition	recognition	NOUN
ajfti-5168	24	21	,	,	PUNCT
ajfti-5168	24	22	and	and	CCONJ
ajfti-5168	24	23	adaptation	adaptation	NOUN
ajfti-5168	24	24	to	to	ADP
ajfti-5168	24	25	new	new	ADJ
ajfti-5168	24	26	threats	threat	NOUN
ajfti-5168	24	27	make	make	VERB
ajfti-5168	24	28	it	it	PRON
ajfti-5168	24	29	an	an	DET
ajfti-5168	24	30	increasingly	increasingly	ADV
ajfti-5168	24	31	important	important	ADJ
ajfti-5168	24	32	resource	resource	NOUN
ajfti-5168	24	33	for	for	ADP
ajfti-5168	24	34	improving	improve	VERB
ajfti-5168	24	35	the	the	DET
ajfti-5168	24	36	fraud	fraud	NOUN
ajfti-5168	24	37	detection	detection	NOUN
ajfti-5168	24	38	systems	system	NOUN
ajfti-5168	24	39	in	in	ADP
ajfti-5168	24	40	use	use	NOUN
ajfti-5168	24	41	.	.	PUNCT
ajfti-5168	25	1	by	by	ADP
ajfti-5168	25	2	leveraging	leverage	VERB
ajfti-5168	25	3	these	these	DET
ajfti-5168	25	4	technologies	technology	NOUN
ajfti-5168	25	5	,	,	PUNCT
ajfti-5168	25	6	banks	bank	NOUN
ajfti-5168	25	7	can	can	AUX
ajfti-5168	25	8	prevent	prevent	VERB
ajfti-5168	25	9	and	and	CCONJ
ajfti-5168	25	10	minimize	minimize	VERB
ajfti-5168	25	11	fraud	fraud	NOUN
ajfti-5168	25	12	before	before	SCONJ
ajfti-5168	25	13	it	it	PRON
ajfti-5168	25	14	occurs	occur	VERB
ajfti-5168	25	15	,	,	PUNCT
ajfti-5168	25	16	enabling	enable	VERB
ajfti-5168	25	17	secure	secure	ADJ
ajfti-5168	25	18	,	,	PUNCT
ajfti-5168	25	19	efficient	efficient	ADJ
ajfti-5168	25	20	and	and	CCONJ
ajfti-5168	25	21	transparent	transparent	ADJ
ajfti-5168	25	22	financial	financial	ADJ
ajfti-5168	25	23	transactions	transaction	NOUN
ajfti-5168	25	24	(	(	PUNCT
ajfti-5168	25	25	ismaeil	ismaeil	NOUN
ajfti-5168	25	26	,	,	PUNCT
ajfti-5168	25	27	2024	2024	NUM
ajfti-5168	25	28	)	)	PUNCT
ajfti-5168	25	29	.	.	PUNCT
ajfti-5168	26	1	this	this	DET
ajfti-5168	26	2	evolution	evolution	NOUN
ajfti-5168	26	3	towards	towards	ADP
ajfti-5168	26	4	fraud	fraud	NOUN
ajfti-5168	26	5	detection	detection	NOUN
ajfti-5168	26	6	via	via	ADP
ajfti-5168	26	7	ai	ai	PROPN
ajfti-5168	26	8	,	,	PUNCT
ajfti-5168	26	9	addresses	address	VERB
ajfti-5168	26	10	the	the	DET
ajfti-5168	26	11	need	need	NOUN
ajfti-5168	26	12	for	for	ADP
ajfti-5168	26	13	better	well	ADJ
ajfti-5168	26	14	intelligence	intelligence	NOUN
ajfti-5168	26	15	,	,	PUNCT
ajfti-5168	26	16	scalability	scalability	NOUN
ajfti-5168	26	17	,	,	PUNCT
ajfti-5168	26	18	and	and	CCONJ
ajfti-5168	26	19	real	real	ADJ
ajfti-5168	26	20	time	time	NOUN
ajfti-5168	26	21	capabilities	capability	NOUN
ajfti-5168	26	22	in	in	ADP
ajfti-5168	26	23	a	a	DET
ajfti-5168	26	24	more	more	ADV
ajfti-5168	26	25	digital	digital	ADJ
ajfti-5168	26	26	and	and	CCONJ
ajfti-5168	26	27	online	online	ADJ
ajfti-5168	26	28	oriented	orient	VERB
ajfti-5168	26	29	industry	industry	NOUN
ajfti-5168	26	30	.	.	PUNCT
ajfti-5168	27	1	what	what	PRON
ajfti-5168	27	2	is	be	AUX
ajfti-5168	27	3	certain	certain	ADJ
ajfti-5168	27	4	is	be	AUX
ajfti-5168	27	5	that	that	SCONJ
ajfti-5168	27	6	as	as	SCONJ
ajfti-5168	27	7	the	the	DET
ajfti-5168	27	8	digital	digital	ADJ
ajfti-5168	27	9	banking	banking	NOUN
ajfti-5168	27	10	system	system	NOUN
ajfti-5168	27	11	has	have	AUX
ajfti-5168	27	12	brought	bring	VERB
ajfti-5168	27	13	much	much	ADJ
ajfti-5168	27	14	benefit	benefit	NOUN
ajfti-5168	27	15	,	,	PUNCT
ajfti-5168	27	16	it	it	PRON
ajfti-5168	27	17	needs	need	VERB
ajfti-5168	27	18	to	to	PART
ajfti-5168	27	19	be	be	AUX
ajfti-5168	27	20	secured	secure	VERB
ajfti-5168	27	21	against	against	ADP
ajfti-5168	27	22	new	new	ADJ
ajfti-5168	27	23	digital	digital	ADJ
ajfti-5168	27	24	fraud	fraud	NOUN
ajfti-5168	27	25	threats	threat	NOUN
ajfti-5168	27	26	,	,	PUNCT
ajfti-5168	27	27	and	and	CCONJ
ajfti-5168	27	28	thus	thus	ADV
ajfti-5168	27	29	protected	protect	VERB
ajfti-5168	27	30	just	just	ADV
ajfti-5168	27	31	as	as	ADV
ajfti-5168	27	32	much	much	ADJ
ajfti-5168	27	33	.	.	PUNCT
ajfti-5168	28	1	1	1	NUM
ajfti-5168	28	2	department	department	NOUN
ajfti-5168	28	3	of	of	ADP
ajfti-5168	28	4	data	datum	NOUN
ajfti-5168	28	5	analytics	analytic	NOUN
ajfti-5168	28	6	,	,	PUNCT
ajfti-5168	28	7	nexford	nexford	PROPN
ajfti-5168	28	8	university	university	PROPN
ajfti-5168	28	9	,	,	PUNCT
ajfti-5168	28	10	usa	usa	PROPN
ajfti-5168	28	11	2	2	NUM
ajfti-5168	28	12	department	department	NOUN
ajfti-5168	28	13	of	of	ADP
ajfti-5168	28	14	management	management	NOUN
ajfti-5168	28	15	science	science	NOUN
ajfti-5168	28	16	and	and	CCONJ
ajfti-5168	28	17	information	information	NOUN
ajfti-5168	28	18	systems	system	NOUN
ajfti-5168	28	19	,	,	PUNCT
ajfti-5168	28	20	oklahoma	oklahoma	PROPN
ajfti-5168	28	21	state	state	PROPN
ajfti-5168	28	22	university	university	PROPN
ajfti-5168	28	23	,	,	PUNCT
ajfti-5168	28	24	usa	usa	PROPN
ajfti-5168	28	25	3	3	NUM
ajfti-5168	28	26	department	department	NOUN
ajfti-5168	28	27	of	of	ADP
ajfti-5168	28	28	mathematics	mathematics	PROPN
ajfti-5168	28	29	,	,	PUNCT
ajfti-5168	28	30	austin	austin	PROPN
ajfti-5168	28	31	peay	peay	ADJ
ajfti-5168	28	32	state	state	NOUN
ajfti-5168	28	33	university	university	NOUN
ajfti-5168	28	34	,	,	PUNCT
ajfti-5168	28	35	tennessee	tennessee	PROPN
ajfti-5168	28	36	4	4	NUM
ajfti-5168	28	37	northeastern	northeastern	PROPN
ajfti-5168	28	38	university	university	PROPN
ajfti-5168	28	39	,	,	PUNCT
ajfti-5168	28	40	massachusetts	massachusetts	PROPN
ajfti-5168	28	41	,	,	PUNCT
ajfti-5168	28	42	usa	usa	PROPN
ajfti-5168	28	43	*	*	SYM
ajfti-5168	28	44	corresponding	correspond	VERB
ajfti-5168	28	45	author	author	NOUN
ajfti-5168	28	46	’s	’s	PART
ajfti-5168	28	47	e	e	NOUN
ajfti-5168	28	48	-	-	NOUN
ajfti-5168	28	49	mail	mail	NOUN
ajfti-5168	28	50	:	:	PUNCT
ajfti-5168	28	51	oreoluwaabimbolaserifat@gmail.com	oreoluwaabimbolaserifat@gmail.com	X
ajfti-5168	29	1	pa	pa	PROPN
ajfti-5168	29	2	ge	ge	PROPN
ajfti-5168	29	3	17	17	NUM
ajfti-5168	29	4	8	8	NUM
ajfti-5168	29	5	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-5168	29	6	am	be	AUX
ajfti-5168	29	7	.	.	PUNCT
ajfti-5168	30	1	j.	j.	PROPN
ajfti-5168	30	2	financ	financ	PROPN
ajfti-5168	30	3	.	.	PUNCT
ajfti-5168	31	1	technol	technol	PROPN
ajfti-5168	31	2	.	.	PUNCT
ajfti-5168	31	3	innov	innov	PROPN
ajfti-5168	31	4	.	.	PUNCT
ajfti-5168	32	1	3(1	3(1	NUM
ajfti-5168	32	2	)	)	PUNCT
ajfti-5168	32	3	177	177	NUM
ajfti-5168	32	4	-	-	SYM
ajfti-5168	32	5	187	187	NUM
ajfti-5168	32	6	,	,	PUNCT
ajfti-5168	32	7	2025	2025	NUM
ajfti-5168	32	8	hence	hence	ADV
ajfti-5168	32	9	the	the	DET
ajfti-5168	32	10	objective	objective	NOUN
ajfti-5168	32	11	of	of	ADP
ajfti-5168	32	12	this	this	DET
ajfti-5168	32	13	paper	paper	NOUN
ajfti-5168	32	14	is	be	AUX
ajfti-5168	32	15	to	to	PART
ajfti-5168	32	16	discuss	discuss	VERB
ajfti-5168	32	17	how	how	SCONJ
ajfti-5168	32	18	ai	ai	VERB
ajfti-5168	32	19	and	and	CCONJ
ajfti-5168	32	20	ml	ml	AUX
ajfti-5168	32	21	could	could	AUX
ajfti-5168	32	22	be	be	AUX
ajfti-5168	32	23	fruitfully	fruitfully	ADV
ajfti-5168	32	24	employed	employ	VERB
ajfti-5168	32	25	to	to	PART
ajfti-5168	32	26	improve	improve	VERB
ajfti-5168	32	27	the	the	DET
ajfti-5168	32	28	detection	detection	NOUN
ajfti-5168	32	29	of	of	ADP
ajfti-5168	32	30	fraud	fraud	NOUN
ajfti-5168	32	31	in	in	ADP
ajfti-5168	32	32	digital	digital	ADJ
ajfti-5168	32	33	banking	banking	NOUN
ajfti-5168	32	34	as	as	ADP
ajfti-5168	32	35	a	a	DET
ajfti-5168	32	36	novel	novel	NOUN
ajfti-5168	32	37	and	and	CCONJ
ajfti-5168	32	38	dynamic	dynamic	ADJ
ajfti-5168	32	39	way	way	NOUN
ajfti-5168	32	40	to	to	PART
ajfti-5168	32	41	maintain	maintain	VERB
ajfti-5168	32	42	security	security	NOUN
ajfti-5168	32	43	,	,	PUNCT
ajfti-5168	32	44	efficiency	efficiency	NOUN
ajfti-5168	32	45	,	,	PUNCT
ajfti-5168	32	46	and	and	CCONJ
ajfti-5168	32	47	transparency	transparency	NOUN
ajfti-5168	32	48	in	in	ADP
ajfti-5168	32	49	a	a	DET
ajfti-5168	32	50	world	world	NOUN
ajfti-5168	32	51	where	where	SCONJ
ajfti-5168	32	52	fraud	fraud	NOUN
ajfti-5168	32	53	in	in	ADP
ajfti-5168	32	54	digital	digital	ADJ
ajfti-5168	32	55	banking	banking	NOUN
ajfti-5168	32	56	is	be	AUX
ajfti-5168	32	57	becoming	become	VERB
ajfti-5168	32	58	increasingly	increasingly	ADV
ajfti-5168	32	59	prevalent	prevalent	ADJ
ajfti-5168	32	60	.	.	PUNCT
ajfti-5168	33	1	the	the	DET
ajfti-5168	33	2	types	type	NOUN
ajfti-5168	33	3	of	of	ADP
ajfti-5168	33	4	fraud	fraud	NOUN
ajfti-5168	33	5	in	in	ADP
ajfti-5168	33	6	digital	digital	ADJ
ajfti-5168	33	7	banking	banking	NOUN
ajfti-5168	33	8	,	,	PUNCT
ajfti-5168	33	9	ai	ai	VERB
ajfti-5168	33	10	and	and	CCONJ
ajfti-5168	33	11	ml	ml	ADP
ajfti-5168	33	12	solutions	solution	NOUN
ajfti-5168	33	13	to	to	PART
ajfti-5168	33	14	detect	detect	VERB
ajfti-5168	33	15	and	and	CCONJ
ajfti-5168	33	16	deter	deter	VERB
ajfti-5168	33	17	fraud	fraud	NOUN
ajfti-5168	33	18	,	,	PUNCT
ajfti-5168	33	19	practical	practical	ADJ
ajfti-5168	33	20	examples	example	NOUN
ajfti-5168	33	21	of	of	ADP
ajfti-5168	33	22	successful	successful	ADJ
ajfti-5168	33	23	implementations	implementation	NOUN
ajfti-5168	33	24	that	that	PRON
ajfti-5168	33	25	enhance	enhance	VERB
ajfti-5168	33	26	the	the	DET
ajfti-5168	33	27	security	security	NOUN
ajfti-5168	33	28	and	and	CCONJ
ajfti-5168	33	29	robustness	robustness	NOUN
ajfti-5168	33	30	of	of	ADP
ajfti-5168	33	31	digital	digital	ADJ
ajfti-5168	33	32	banking	banking	NOUN
ajfti-5168	33	33	against	against	ADP
ajfti-5168	33	34	ever	ever	ADV
ajfti-5168	33	35	-	-	PUNCT
ajfti-5168	33	36	changing	change	VERB
ajfti-5168	33	37	fraud	fraud	NOUN
ajfti-5168	33	38	techniques	technique	NOUN
ajfti-5168	33	39	,	,	PUNCT
ajfti-5168	33	40	and	and	CCONJ
ajfti-5168	33	41	bolstering	bolster	VERB
ajfti-5168	33	42	consumer	consumer	NOUN
ajfti-5168	33	43	confidence	confidence	NOUN
ajfti-5168	33	44	in	in	ADP
ajfti-5168	33	45	banking	banking	NOUN
ajfti-5168	33	46	transactions	transaction	NOUN
ajfti-5168	33	47	.	.	PUNCT
ajfti-5168	34	1	literature	literature	NOUN
ajfti-5168	34	2	review	review	VERB
ajfti-5168	34	3	digital	digital	ADJ
ajfti-5168	34	4	banking	banking	NOUN
ajfti-5168	34	5	has	have	AUX
ajfti-5168	34	6	been	be	AUX
ajfti-5168	34	7	a	a	DET
ajfti-5168	34	8	disruptive	disruptive	ADJ
ajfti-5168	34	9	innovative	innovative	ADJ
ajfti-5168	34	10	force	force	NOUN
ajfti-5168	34	11	in	in	ADP
ajfti-5168	34	12	financial	financial	ADJ
ajfti-5168	34	13	services	service	NOUN
ajfti-5168	34	14	,	,	PUNCT
ajfti-5168	34	15	changing	change	VERB
ajfti-5168	34	16	how	how	SCONJ
ajfti-5168	34	17	people	people	NOUN
ajfti-5168	34	18	and	and	CCONJ
ajfti-5168	34	19	businesses	business	NOUN
ajfti-5168	34	20	interact	interact	VERB
ajfti-5168	34	21	with	with	ADP
ajfti-5168	34	22	their	their	PRON
ajfti-5168	34	23	finances	finance	NOUN
ajfti-5168	34	24	in	in	ADP
ajfti-5168	34	25	a	a	DET
ajfti-5168	34	26	big	big	ADJ
ajfti-5168	34	27	way	way	NOUN
ajfti-5168	34	28	(	(	PUNCT
ajfti-5168	34	29	bueno	bueno	PROPN
ajfti-5168	34	30	et	et	PROPN
ajfti-5168	34	31	al	al	PROPN
ajfti-5168	34	32	.	.	PROPN
ajfti-5168	34	33	,	,	PUNCT
ajfti-5168	34	34	2024	2024	NUM
ajfti-5168	34	35	)	)	PUNCT
ajfti-5168	34	36	.	.	PUNCT
ajfti-5168	35	1	it	it	PRON
ajfti-5168	35	2	is	be	AUX
ajfti-5168	35	3	technology	technology	NOUN
ajfti-5168	35	4	,	,	PUNCT
ajfti-5168	35	5	internet	internet	NOUN
ajfti-5168	35	6	access	access	NOUN
ajfti-5168	35	7	,	,	PUNCT
ajfti-5168	35	8	and	and	CCONJ
ajfti-5168	35	9	demand	demand	NOUN
ajfti-5168	35	10	for	for	ADP
ajfti-5168	35	11	reduced	reduced	ADJ
ajfti-5168	35	12	and	and	CCONJ
ajfti-5168	35	13	efficient	efficient	ADJ
ajfti-5168	35	14	banking	banking	NOUN
ajfti-5168	35	15	services	service	NOUN
ajfti-5168	35	16	that	that	PRON
ajfti-5168	35	17	have	have	AUX
ajfti-5168	35	18	motivated	motivate	VERB
ajfti-5168	35	19	the	the	DET
ajfti-5168	35	20	transformation	transformation	NOUN
ajfti-5168	35	21	from	from	ADP
ajfti-5168	35	22	physical	physical	ADJ
ajfti-5168	35	23	to	to	ADP
ajfti-5168	35	24	digital	digital	ADJ
ajfti-5168	35	25	banking	banking	NOUN
ajfti-5168	35	26	(	(	PUNCT
ajfti-5168	35	27	iwedi	iwedi	PROPN
ajfti-5168	35	28	,	,	PUNCT
ajfti-5168	35	29	2024	2024	NUM
ajfti-5168	35	30	)	)	PUNCT
ajfti-5168	35	31	.	.	PUNCT
ajfti-5168	36	1	for	for	ADP
ajfti-5168	36	2	instance	instance	NOUN
ajfti-5168	36	3	,	,	PUNCT
ajfti-5168	36	4	with	with	ADP
ajfti-5168	36	5	digital	digital	ADJ
ajfti-5168	36	6	banking	banking	NOUN
ajfti-5168	36	7	customers	customer	NOUN
ajfti-5168	36	8	can	can	AUX
ajfti-5168	36	9	check	check	VERB
ajfti-5168	36	10	their	their	PRON
ajfti-5168	36	11	account	account	NOUN
ajfti-5168	36	12	balances	balance	NOUN
ajfti-5168	36	13	,	,	PUNCT
ajfti-5168	36	14	transfer	transfer	VERB
ajfti-5168	36	15	money	money	NOUN
ajfti-5168	36	16	,	,	PUNCT
ajfti-5168	36	17	request	request	NOUN
ajfti-5168	36	18	loans	loan	NOUN
ajfti-5168	36	19	,	,	PUNCT
ajfti-5168	36	20	and	and	CCONJ
ajfti-5168	36	21	pay	pay	VERB
ajfti-5168	36	22	bills	bill	NOUN
ajfti-5168	36	23	online	online	ADV
ajfti-5168	36	24	in	in	ADP
ajfti-5168	36	25	their	their	PRON
ajfti-5168	36	26	houses	house	NOUN
ajfti-5168	36	27	or	or	CCONJ
ajfti-5168	36	28	anywhere	anywhere	ADV
ajfti-5168	36	29	by	by	ADP
ajfti-5168	36	30	using	use	VERB
ajfti-5168	36	31	their	their	PRON
ajfti-5168	36	32	mobile	mobile	ADJ
ajfti-5168	36	33	phones	phone	NOUN
ajfti-5168	36	34	(	(	PUNCT
ajfti-5168	36	35	javaid	javaid	NOUN
ajfti-5168	36	36	et	et	PROPN
ajfti-5168	36	37	al	al	PROPN
ajfti-5168	36	38	.	.	PROPN
ajfti-5168	36	39	,	,	PUNCT
ajfti-5168	36	40	2022	2022	NUM
ajfti-5168	36	41	)	)	PUNCT
ajfti-5168	36	42	.	.	PUNCT
ajfti-5168	37	1	also	also	ADV
ajfti-5168	37	2	,	,	PUNCT
ajfti-5168	37	3	financial	financial	ADJ
ajfti-5168	37	4	institutions	institution	NOUN
ajfti-5168	37	5	have	have	AUX
ajfti-5168	37	6	strategically	strategically	ADV
ajfti-5168	37	7	leveraged	leverage	VERB
ajfti-5168	37	8	this	this	DET
ajfti-5168	37	9	technology	technology	NOUN
ajfti-5168	37	10	to	to	PART
ajfti-5168	37	11	provide	provide	VERB
ajfti-5168	37	12	a	a	DET
ajfti-5168	37	13	spectrum	spectrum	NOUN
ajfti-5168	37	14	of	of	ADP
ajfti-5168	37	15	e	e	NOUN
ajfti-5168	37	16	-	-	NOUN
ajfti-5168	37	17	payment	payment	NOUN
ajfti-5168	37	18	opportunities	opportunity	NOUN
ajfti-5168	37	19	and	and	CCONJ
ajfti-5168	37	20	services	service	NOUN
ajfti-5168	37	21	to	to	ADP
ajfti-5168	37	22	their	their	PRON
ajfti-5168	37	23	clientele	clientele	NOUN
ajfti-5168	37	24	(	(	PUNCT
ajfti-5168	37	25	igah	igah	PROPN
ajfti-5168	37	26	&	&	CCONJ
ajfti-5168	37	27	luse	luse	PROPN
ajfti-5168	37	28	,	,	PUNCT
ajfti-5168	37	29	2024	2024	NUM
ajfti-5168	37	30	)	)	PUNCT
ajfti-5168	37	31	.	.	PUNCT
ajfti-5168	38	1	among	among	ADP
ajfti-5168	38	2	the	the	DET
ajfti-5168	38	3	essential	essential	ADJ
ajfti-5168	38	4	services	service	NOUN
ajfti-5168	38	5	of	of	ADP
ajfti-5168	38	6	digital	digital	ADJ
ajfti-5168	38	7	banking	banking	NOUN
ajfti-5168	38	8	are	be	AUX
ajfti-5168	38	9	online	online	ADJ
ajfti-5168	38	10	payments	payment	NOUN
ajfti-5168	38	11	,	,	PUNCT
ajfti-5168	38	12	which	which	PRON
ajfti-5168	38	13	are	be	AUX
ajfti-5168	38	14	transactions	transaction	NOUN
ajfti-5168	38	15	that	that	PRON
ajfti-5168	38	16	help	help	VERB
ajfti-5168	38	17	the	the	DET
ajfti-5168	38	18	transfer	transfer	NOUN
ajfti-5168	38	19	of	of	ADP
ajfti-5168	38	20	money	money	NOUN
ajfti-5168	38	21	between	between	ADP
ajfti-5168	38	22	individuals	individual	NOUN
ajfti-5168	38	23	and	and	CCONJ
ajfti-5168	38	24	businesses	business	NOUN
ajfti-5168	38	25	through	through	ADP
ajfti-5168	38	26	the	the	DET
ajfti-5168	38	27	internet	internet	NOUN
ajfti-5168	38	28	(	(	PUNCT
ajfti-5168	38	29	abdelrhman	abdelrhman	NOUN
ajfti-5168	38	30	,	,	PUNCT
ajfti-5168	38	31	2025	2025	NUM
ajfti-5168	38	32	;	;	PUNCT
ajfti-5168	38	33	windasari	windasari	X
ajfti-5168	38	34	et	et	PROPN
ajfti-5168	38	35	al	al	PROPN
ajfti-5168	38	36	.	.	PROPN
ajfti-5168	38	37	,	,	PUNCT
ajfti-5168	38	38	2022	2022	NUM
ajfti-5168	38	39	)	)	PUNCT
ajfti-5168	38	40	.	.	PUNCT
ajfti-5168	39	1	the	the	DET
ajfti-5168	39	2	result	result	NOUN
ajfti-5168	39	3	has	have	AUX
ajfti-5168	39	4	been	be	AUX
ajfti-5168	39	5	that	that	SCONJ
ajfti-5168	39	6	e	e	NOUN
ajfti-5168	39	7	-	-	NOUN
ajfti-5168	39	8	commerce	commerce	NOUN
ajfti-5168	39	9	has	have	AUX
ajfti-5168	39	10	exploded	explode	VERB
ajfti-5168	39	11	as	as	SCONJ
ajfti-5168	39	12	consumers	consumer	NOUN
ajfti-5168	39	13	now	now	ADV
ajfti-5168	39	14	can	can	AUX
ajfti-5168	39	15	purchase	purchase	VERB
ajfti-5168	39	16	goods	good	NOUN
ajfti-5168	39	17	and	and	CCONJ
ajfti-5168	39	18	services	service	NOUN
ajfti-5168	39	19	easily	easily	ADV
ajfti-5168	39	20	.	.	PUNCT
ajfti-5168	40	1	mobile	mobile	ADJ
ajfti-5168	40	2	banking	banking	NOUN
ajfti-5168	40	3	applications	application	NOUN
ajfti-5168	40	4	take	take	VERB
ajfti-5168	40	5	this	this	DET
ajfti-5168	40	6	convenience	convenience	NOUN
ajfti-5168	40	7	a	a	DET
ajfti-5168	40	8	step	step	NOUN
ajfti-5168	40	9	further	far	ADV
ajfti-5168	40	10	,	,	PUNCT
ajfti-5168	40	11	allowing	allow	VERB
ajfti-5168	40	12	individuals	individual	NOUN
ajfti-5168	40	13	to	to	PART
ajfti-5168	40	14	view	view	VERB
ajfti-5168	40	15	their	their	PRON
ajfti-5168	40	16	accounts	account	NOUN
ajfti-5168	40	17	and	and	CCONJ
ajfti-5168	40	18	execute	execute	VERB
ajfti-5168	40	19	transactions	transaction	NOUN
ajfti-5168	40	20	from	from	ADP
ajfti-5168	40	21	their	their	PRON
ajfti-5168	40	22	mobile	mobile	ADJ
ajfti-5168	40	23	phones	phone	NOUN
ajfti-5168	40	24	and	and	CCONJ
ajfti-5168	40	25	thus	thus	ADV
ajfti-5168	40	26	transforming	transform	VERB
ajfti-5168	40	27	banking	banking	NOUN
ajfti-5168	40	28	into	into	ADP
ajfti-5168	40	29	an	an	DET
ajfti-5168	40	30	even	even	ADV
ajfti-5168	40	31	more	more	ADV
ajfti-5168	40	32	accessible	accessible	ADJ
ajfti-5168	40	33	medium	medium	NOUN
ajfti-5168	40	34	than	than	ADP
ajfti-5168	40	35	before	before	ADV
ajfti-5168	40	36	(	(	PUNCT
ajfti-5168	40	37	ezie	ezie	PROPN
ajfti-5168	40	38	et	et	PROPN
ajfti-5168	40	39	al	al	PROPN
ajfti-5168	40	40	.	.	PROPN
ajfti-5168	40	41	,	,	PUNCT
ajfti-5168	40	42	2023	2023	NUM
ajfti-5168	40	43	;	;	PUNCT
ajfti-5168	40	44	rahman	rahman	PROPN
ajfti-5168	40	45	et	et	PROPN
ajfti-5168	40	46	al	al	PROPN
ajfti-5168	40	47	.	.	PROPN
ajfti-5168	40	48	,	,	PUNCT
ajfti-5168	40	49	2024	2024	NUM
ajfti-5168	40	50	)	)	PUNCT
ajfti-5168	40	51	.	.	PUNCT
ajfti-5168	41	1	wallet	wallet	NOUN
ajfti-5168	41	2	applications	application	NOUN
ajfti-5168	41	3	like	like	ADP
ajfti-5168	41	4	apple	apple	NOUN
ajfti-5168	41	5	pay	pay	NOUN
ajfti-5168	41	6	and	and	CCONJ
ajfti-5168	41	7	google	google	PROPN
ajfti-5168	41	8	pay	pay	NOUN
ajfti-5168	41	9	or	or	CCONJ
ajfti-5168	41	10	apps	app	NOUN
ajfti-5168	41	11	from	from	ADP
ajfti-5168	41	12	individual	individual	ADJ
ajfti-5168	41	13	banks	bank	NOUN
ajfti-5168	41	14	help	help	VERB
ajfti-5168	41	15	consumers	consumer	NOUN
ajfti-5168	41	16	save	save	VERB
ajfti-5168	41	17	and	and	CCONJ
ajfti-5168	41	18	manage	manage	VERB
ajfti-5168	41	19	their	their	PRON
ajfti-5168	41	20	payments	payment	NOUN
ajfti-5168	41	21	information	information	NOUN
ajfti-5168	41	22	digitally	digitally	ADV
ajfti-5168	41	23	,	,	PUNCT
ajfti-5168	41	24	enabling	enable	VERB
ajfti-5168	41	25	fast	fast	ADJ
ajfti-5168	41	26	and	and	CCONJ
ajfti-5168	41	27	secure	secure	ADJ
ajfti-5168	41	28	transactions	transaction	NOUN
ajfti-5168	41	29	without	without	ADP
ajfti-5168	41	30	requiring	require	VERB
ajfti-5168	41	31	physical	physical	ADJ
ajfti-5168	41	32	cards	card	NOUN
ajfti-5168	41	33	(	(	PUNCT
ajfti-5168	41	34	khando	khando	NOUN
ajfti-5168	41	35	et	et	PROPN
ajfti-5168	41	36	al	al	PROPN
ajfti-5168	41	37	.	.	PROPN
ajfti-5168	41	38	,	,	PUNCT
ajfti-5168	41	39	2022	2022	NUM
ajfti-5168	41	40	)	)	PUNCT
ajfti-5168	41	41	.	.	PUNCT
ajfti-5168	42	1	while	while	SCONJ
ajfti-5168	42	2	digital	digital	ADJ
ajfti-5168	42	3	banking	banking	NOUN
ajfti-5168	42	4	has	have	AUX
ajfti-5168	42	5	offered	offer	VERB
ajfti-5168	42	6	many	many	ADJ
ajfti-5168	42	7	advantages	advantage	NOUN
ajfti-5168	42	8	including	include	VERB
ajfti-5168	42	9	financial	financial	ADJ
ajfti-5168	42	10	inclusion	inclusion	NOUN
ajfti-5168	42	11	for	for	ADP
ajfti-5168	42	12	the	the	DET
ajfti-5168	42	13	unbanked	unbanked	ADJ
ajfti-5168	42	14	,	,	PUNCT
ajfti-5168	42	15	userfriendliness	userfriendliness	NOUN
ajfti-5168	42	16	,	,	PUNCT
ajfti-5168	42	17	costefficiency	costefficiency	NOUN
ajfti-5168	42	18	,	,	PUNCT
ajfti-5168	42	19	etc	etc	X
ajfti-5168	42	20	,	,	PUNCT
ajfti-5168	42	21	it	it	PRON
ajfti-5168	42	22	has	have	AUX
ajfti-5168	42	23	also	also	ADV
ajfti-5168	42	24	increased	increase	VERB
ajfti-5168	42	25	the	the	DET
ajfti-5168	42	26	attack	attack	NOUN
ajfti-5168	42	27	surface	surface	NOUN
ajfti-5168	42	28	available	available	ADJ
ajfti-5168	42	29	to	to	ADP
ajfti-5168	42	30	cybercriminals	cybercriminal	NOUN
ajfti-5168	42	31	.	.	PUNCT
ajfti-5168	43	1	in	in	ADP
ajfti-5168	43	2	other	other	ADJ
ajfti-5168	43	3	words	word	NOUN
ajfti-5168	43	4	,	,	PUNCT
ajfti-5168	43	5	the	the	DET
ajfti-5168	43	6	advantages	advantage	NOUN
ajfti-5168	43	7	of	of	ADP
ajfti-5168	43	8	digital	digital	ADJ
ajfti-5168	43	9	banking	banking	NOUN
ajfti-5168	43	10	have	have	AUX
ajfti-5168	43	11	also	also	ADV
ajfti-5168	43	12	been	be	AUX
ajfti-5168	43	13	problematic	problematic	ADJ
ajfti-5168	43	14	,	,	PUNCT
ajfti-5168	43	15	as	as	SCONJ
ajfti-5168	43	16	cybercriminals	cybercriminal	NOUN
ajfti-5168	43	17	have	have	AUX
ajfti-5168	43	18	taken	take	VERB
ajfti-5168	43	19	advantage	advantage	NOUN
ajfti-5168	43	20	of	of	ADP
ajfti-5168	43	21	online	online	ADJ
ajfti-5168	43	22	platform	platform	NOUN
ajfti-5168	43	23	weaknesses	weakness	NOUN
ajfti-5168	43	24	to	to	PART
ajfti-5168	43	25	obtain	obtain	VERB
ajfti-5168	43	26	personal	personal	ADJ
ajfti-5168	43	27	information	information	NOUN
ajfti-5168	43	28	and	and	CCONJ
ajfti-5168	43	29	carry	carry	VERB
ajfti-5168	43	30	out	out	ADP
ajfti-5168	43	31	unauthorized	unauthorized	ADJ
ajfti-5168	43	32	illegal	illegal	ADJ
ajfti-5168	43	33	transactions	transaction	NOUN
ajfti-5168	43	34	,	,	PUNCT
ajfti-5168	43	35	and	and	CCONJ
ajfti-5168	43	36	therefore	therefore	ADV
ajfti-5168	43	37	online	online	ADJ
ajfti-5168	43	38	banking	banking	NOUN
ajfti-5168	43	39	has	have	AUX
ajfti-5168	43	40	become	become	VERB
ajfti-5168	43	41	subject	subject	ADJ
ajfti-5168	43	42	to	to	ADP
ajfti-5168	43	43	fraud	fraud	NOUN
ajfti-5168	43	44	and	and	CCONJ
ajfti-5168	43	45	cybercrime	cybercrime	NOUN
ajfti-5168	43	46	activities	activity	NOUN
ajfti-5168	43	47	(	(	PUNCT
ajfti-5168	43	48	aziz	aziz	PROPN
ajfti-5168	43	49	&	&	CCONJ
ajfti-5168	43	50	andriansyah	andriansyah	PROPN
ajfti-5168	43	51	,	,	PUNCT
ajfti-5168	43	52	2023	2023	NUM
ajfti-5168	43	53	;	;	PUNCT
ajfti-5168	43	54	mallesha	mallesha	PROPN
ajfti-5168	43	55	&	&	CCONJ
ajfti-5168	43	56	hymavathi	hymavathi	PROPN
ajfti-5168	43	57	,	,	PUNCT
ajfti-5168	43	58	2024	2024	NUM
ajfti-5168	43	59	;	;	PUNCT
ajfti-5168	44	1	roszkowska	roszkowska	NOUN
ajfti-5168	44	2	,	,	PUNCT
ajfti-5168	44	3	2021).as	2021).as	NOUN
ajfti-5168	44	4	a	a	DET
ajfti-5168	44	5	result	result	NOUN
ajfti-5168	44	6	,	,	PUNCT
ajfti-5168	44	7	the	the	DET
ajfti-5168	44	8	financial	financial	ADJ
ajfti-5168	44	9	sector	sector	NOUN
ajfti-5168	44	10	faces	face	VERB
ajfti-5168	44	11	increasing	increase	VERB
ajfti-5168	44	12	pressure	pressure	NOUN
ajfti-5168	44	13	to	to	PART
ajfti-5168	44	14	implement	implement	VERB
ajfti-5168	44	15	robust	robust	ADJ
ajfti-5168	44	16	security	security	NOUN
ajfti-5168	44	17	measures	measure	NOUN
ajfti-5168	44	18	to	to	PART
ajfti-5168	44	19	protect	protect	VERB
ajfti-5168	44	20	customers	customer	NOUN
ajfti-5168	44	21	from	from	ADP
ajfti-5168	44	22	the	the	DET
ajfti-5168	44	23	growing	grow	VERB
ajfti-5168	44	24	risk	risk	NOUN
ajfti-5168	44	25	of	of	ADP
ajfti-5168	44	26	fraud	fraud	NOUN
ajfti-5168	44	27	.	.	PUNCT
ajfti-5168	45	1	fraud	fraud	NOUN
ajfti-5168	45	2	in	in	ADP
ajfti-5168	45	3	digital	digital	ADJ
ajfti-5168	45	4	banking	banking	NOUN
ajfti-5168	45	5	digital	digital	ADJ
ajfti-5168	45	6	banking	banking	NOUN
ajfti-5168	45	7	fraud	fraud	NOUN
ajfti-5168	45	8	is	be	AUX
ajfti-5168	45	9	the	the	DET
ajfti-5168	45	10	unauthorized	unauthorized	ADJ
ajfti-5168	45	11	and	and	CCONJ
ajfti-5168	45	12	illegal	illegal	ADJ
ajfti-5168	45	13	utilization	utilization	NOUN
ajfti-5168	45	14	of	of	ADP
ajfti-5168	45	15	digital	digital	ADJ
ajfti-5168	45	16	banking	banking	NOUN
ajfti-5168	45	17	systems	system	NOUN
ajfti-5168	45	18	to	to	PART
ajfti-5168	45	19	steal	steal	VERB
ajfti-5168	45	20	,	,	PUNCT
ajfti-5168	45	21	manipulate	manipulate	VERB
ajfti-5168	45	22	and	and	CCONJ
ajfti-5168	45	23	compromise	compromise	VERB
ajfti-5168	45	24	financial	financial	ADJ
ajfti-5168	45	25	data	datum	NOUN
ajfti-5168	45	26	for	for	ADP
ajfti-5168	45	27	an	an	DET
ajfti-5168	45	28	individual	individual	NOUN
ajfti-5168	45	29	’s	’s	PART
ajfti-5168	45	30	own	own	ADJ
ajfti-5168	45	31	benefit	benefit	NOUN
ajfti-5168	45	32	.	.	PUNCT
ajfti-5168	46	1	as	as	ADP
ajfti-5168	46	2	a	a	DET
ajfti-5168	46	3	result	result	NOUN
ajfti-5168	46	4	,	,	PUNCT
ajfti-5168	46	5	more	more	ADJ
ajfti-5168	46	6	and	and	CCONJ
ajfti-5168	46	7	more	more	ADJ
ajfti-5168	46	8	fraudsters	fraudster	NOUN
ajfti-5168	46	9	are	be	AUX
ajfti-5168	46	10	taking	take	VERB
ajfti-5168	46	11	advantage	advantage	NOUN
ajfti-5168	46	12	of	of	ADP
ajfti-5168	46	13	online	online	ADJ
ajfti-5168	46	14	banking	banking	NOUN
ajfti-5168	46	15	,	,	PUNCT
ajfti-5168	46	16	utilizing	utilize	VERB
ajfti-5168	46	17	multiple	multiple	ADJ
ajfti-5168	46	18	methods	method	NOUN
ajfti-5168	46	19	of	of	ADP
ajfti-5168	46	20	exploiting	exploit	VERB
ajfti-5168	46	21	weaknesses	weakness	NOUN
ajfti-5168	46	22	inherent	inherent	ADJ
ajfti-5168	46	23	in	in	ADP
ajfti-5168	46	24	digital	digital	ADJ
ajfti-5168	46	25	banking	banking	NOUN
ajfti-5168	46	26	systems	system	NOUN
ajfti-5168	46	27	.	.	PUNCT
ajfti-5168	47	1	these	these	PRON
ajfti-5168	47	2	include	include	VERB
ajfti-5168	47	3	,	,	PUNCT
ajfti-5168	47	4	among	among	ADP
ajfti-5168	47	5	the	the	DET
ajfti-5168	47	6	more	more	ADV
ajfti-5168	47	7	common	common	ADJ
ajfti-5168	47	8	,	,	PUNCT
ajfti-5168	47	9	identity	identity	NOUN
ajfti-5168	47	10	theft	theft	NOUN
ajfti-5168	47	11	(	(	PUNCT
ajfti-5168	47	12	venigandla	venigandla	NOUN
ajfti-5168	47	13	&	&	CCONJ
ajfti-5168	47	14	vemuri	vemuri	PROPN
ajfti-5168	47	15	,	,	PUNCT
ajfti-5168	47	16	2022	2022	NUM
ajfti-5168	47	17	)	)	PUNCT
ajfti-5168	47	18	,	,	PUNCT
ajfti-5168	47	19	where	where	SCONJ
ajfti-5168	47	20	fraudsters	fraudster	NOUN
ajfti-5168	47	21	obtain	obtain	VERB
ajfti-5168	47	22	personal	personal	ADJ
ajfti-5168	47	23	data	datum	NOUN
ajfti-5168	47	24	to	to	PART
ajfti-5168	47	25	pose	pose	VERB
ajfti-5168	47	26	as	as	ADP
ajfti-5168	47	27	clients	client	NOUN
ajfti-5168	47	28	and	and	CCONJ
ajfti-5168	47	29	gain	gain	VERB
ajfti-5168	47	30	access	access	NOUN
ajfti-5168	47	31	to	to	ADP
ajfti-5168	47	32	their	their	PRON
ajfti-5168	47	33	accounts	account	NOUN
ajfti-5168	47	34	.	.	PUNCT
ajfti-5168	48	1	phishing	phishe	VERB
ajfti-5168	48	2	is	be	AUX
ajfti-5168	48	3	another	another	DET
ajfti-5168	48	4	form	form	NOUN
ajfti-5168	48	5	of	of	ADP
ajfti-5168	48	6	scam	scam	NOUN
ajfti-5168	48	7	in	in	ADP
ajfti-5168	48	8	which	which	PRON
ajfti-5168	48	9	customers	customer	NOUN
ajfti-5168	48	10	are	be	AUX
ajfti-5168	48	11	tricked	trick	VERB
ajfti-5168	48	12	into	into	ADP
ajfti-5168	48	13	revealing	reveal	VERB
ajfti-5168	48	14	sensitive	sensitive	ADJ
ajfti-5168	48	15	information	information	NOUN
ajfti-5168	48	16	such	such	ADJ
ajfti-5168	48	17	as	as	ADP
ajfti-5168	48	18	passwords	password	NOUN
ajfti-5168	48	19	and	and	CCONJ
ajfti-5168	48	20	account	account	NOUN
ajfti-5168	48	21	numbers	number	NOUN
ajfti-5168	48	22	(	(	PUNCT
ajfti-5168	48	23	adaji	adaji	PROPN
ajfti-5168	48	24	et	et	PROPN
ajfti-5168	48	25	al	al	PROPN
ajfti-5168	48	26	.	.	PROPN
ajfti-5168	48	27	,	,	PUNCT
ajfti-5168	48	28	2024	2024	NUM
ajfti-5168	48	29	)	)	PUNCT
ajfti-5168	48	30	.	.	PUNCT
ajfti-5168	49	1	the	the	DET
ajfti-5168	49	2	second	second	ADJ
ajfti-5168	49	3	most	most	ADV
ajfti-5168	49	4	frequent	frequent	ADJ
ajfti-5168	49	5	form	form	NOUN
ajfti-5168	49	6	of	of	ADP
ajfti-5168	49	7	fraud	fraud	NOUN
ajfti-5168	49	8	is	be	AUX
ajfti-5168	49	9	transaction	transaction	NOUN
ajfti-5168	49	10	manipulation	manipulation	NOUN
ajfti-5168	49	11	,	,	PUNCT
ajfti-5168	49	12	where	where	SCONJ
ajfti-5168	49	13	the	the	DET
ajfti-5168	49	14	fraudster	fraudster	NOUN
ajfti-5168	49	15	is	be	AUX
ajfti-5168	49	16	actually	actually	ADV
ajfti-5168	49	17	the	the	DET
ajfti-5168	49	18	one	one	NOUN
ajfti-5168	49	19	who	who	PRON
ajfti-5168	49	20	initiates	initiate	VERB
ajfti-5168	49	21	the	the	DET
ajfti-5168	49	22	transaction	transaction	NOUN
ajfti-5168	49	23	exploiting	exploit	VERB
ajfti-5168	49	24	a	a	DET
ajfti-5168	49	25	loophole	loophole	NOUN
ajfti-5168	49	26	in	in	ADP
ajfti-5168	49	27	the	the	DET
ajfti-5168	49	28	payment	payment	NOUN
ajfti-5168	49	29	mechanisms	mechanism	NOUN
ajfti-5168	49	30	(	(	PUNCT
ajfti-5168	49	31	adeyeri	adeyeri	ADJ
ajfti-5168	49	32	,	,	PUNCT
ajfti-5168	49	33	2024	2024	NUM
ajfti-5168	49	34	;	;	PUNCT
ajfti-5168	49	35	oduro	oduro	NOUN
ajfti-5168	49	36	et	et	PROPN
ajfti-5168	49	37	al	al	PROPN
ajfti-5168	49	38	.	.	PROPN
ajfti-5168	49	39	,	,	PUNCT
ajfti-5168	49	40	2025	2025	NUM
ajfti-5168	49	41	)	)	PUNCT
ajfti-5168	49	42	.	.	PUNCT
ajfti-5168	50	1	another	another	DET
ajfti-5168	50	2	related	related	ADJ
ajfti-5168	50	3	issue	issue	NOUN
ajfti-5168	50	4	of	of	ADP
ajfti-5168	50	5	grave	grave	ADJ
ajfti-5168	50	6	concern	concern	NOUN
ajfti-5168	50	7	is	be	AUX
ajfti-5168	50	8	also	also	ADV
ajfti-5168	50	9	money	money	NOUN
ajfti-5168	50	10	laundering	laundering	NOUN
ajfti-5168	50	11	,	,	PUNCT
ajfti-5168	50	12	where	where	SCONJ
ajfti-5168	50	13	criminals	criminal	NOUN
ajfti-5168	50	14	can	can	AUX
ajfti-5168	50	15	disguise	disguise	VERB
ajfti-5168	50	16	the	the	DET
ajfti-5168	50	17	source	source	NOUN
ajfti-5168	50	18	of	of	ADP
ajfti-5168	50	19	illegal	illegal	ADJ
ajfti-5168	50	20	funds	fund	NOUN
ajfti-5168	50	21	through	through	ADP
ajfti-5168	50	22	sophisticated	sophisticated	ADJ
ajfti-5168	50	23	transactions	transaction	NOUN
ajfti-5168	50	24	on	on	ADP
ajfti-5168	50	25	digital	digital	ADJ
ajfti-5168	50	26	banking	banking	NOUN
ajfti-5168	50	27	platforms	platform	NOUN
ajfti-5168	50	28	that	that	PRON
ajfti-5168	50	29	seem	seem	VERB
ajfti-5168	50	30	authentic	authentic	ADJ
ajfti-5168	50	31	(	(	PUNCT
ajfti-5168	50	32	bello	bello	PROPN
ajfti-5168	50	33	&	&	CCONJ
ajfti-5168	50	34	olufemi	olufemi	PROPN
ajfti-5168	50	35	,	,	PUNCT
ajfti-5168	50	36	2024	2024	NUM
ajfti-5168	50	37	;	;	PUNCT
ajfti-5168	50	38	olowu	olowu	NOUN
ajfti-5168	50	39	et	et	PROPN
ajfti-5168	50	40	al	al	PROPN
ajfti-5168	50	41	.	.	PROPN
ajfti-5168	50	42	,	,	PUNCT
ajfti-5168	50	43	2024	2024	NUM
ajfti-5168	50	44	;	;	PUNCT
ajfti-5168	50	45	khodabandehlou	khodabandehlou	PROPN
ajfti-5168	50	46	et	et	PROPN
ajfti-5168	50	47	al	al	PROPN
ajfti-5168	50	48	.	.	PROPN
ajfti-5168	50	49	,	,	PUNCT
ajfti-5168	50	50	2024	2024	NUM
ajfti-5168	50	51	)	)	PUNCT
ajfti-5168	50	52	.	.	PUNCT
ajfti-5168	51	1	also	also	ADV
ajfti-5168	51	2	,	,	PUNCT
ajfti-5168	51	3	without	without	ADP
ajfti-5168	51	4	adequate	adequate	ADJ
ajfti-5168	51	5	security	security	NOUN
ajfti-5168	51	6	measures	measure	NOUN
ajfti-5168	51	7	,	,	PUNCT
ajfti-5168	51	8	funds	fund	NOUN
ajfti-5168	51	9	can	can	AUX
ajfti-5168	51	10	be	be	AUX
ajfti-5168	51	11	moved	move	VERB
ajfti-5168	51	12	illegally	illegally	ADV
ajfti-5168	51	13	across	across	ADP
ajfti-5168	51	14	borders	border	NOUN
ajfti-5168	51	15	using	use	VERB
ajfti-5168	51	16	digital	digital	ADJ
ajfti-5168	51	17	payment	payment	NOUN
ajfti-5168	51	18	systems	system	NOUN
ajfti-5168	51	19	,	,	PUNCT
ajfti-5168	51	20	making	make	VERB
ajfti-5168	51	21	it	it	PRON
ajfti-5168	51	22	even	even	ADV
ajfti-5168	51	23	more	more	ADV
ajfti-5168	51	24	difficult	difficult	ADJ
ajfti-5168	51	25	to	to	PART
ajfti-5168	51	26	get	get	VERB
ajfti-5168	51	27	any	any	DET
ajfti-5168	51	28	form	form	NOUN
ajfti-5168	51	29	of	of	ADP
ajfti-5168	51	30	control	control	NOUN
ajfti-5168	51	31	or	or	CCONJ
ajfti-5168	51	32	trace	trace	VERB
ajfti-5168	51	33	these	these	DET
ajfti-5168	51	34	funds	fund	NOUN
ajfti-5168	51	35	.	.	PUNCT
ajfti-5168	52	1	consumer	consumer	NOUN
ajfti-5168	52	2	trust	trust	NOUN
ajfti-5168	52	3	in	in	ADP
ajfti-5168	52	4	the	the	DET
ajfti-5168	52	5	banking	banking	NOUN
ajfti-5168	52	6	system	system	NOUN
ajfti-5168	52	7	is	be	AUX
ajfti-5168	52	8	thus	thus	ADV
ajfti-5168	52	9	diminished	diminish	VERB
ajfti-5168	52	10	as	as	SCONJ
ajfti-5168	52	11	these	these	DET
ajfti-5168	52	12	scams	scam	NOUN
ajfti-5168	52	13	are	be	AUX
ajfti-5168	52	14	expensive	expensive	ADJ
ajfti-5168	52	15	for	for	ADP
ajfti-5168	52	16	banks	bank	NOUN
ajfti-5168	52	17	and	and	CCONJ
ajfti-5168	52	18	other	other	ADJ
ajfti-5168	52	19	financial	financial	ADJ
ajfti-5168	52	20	institutions	institution	NOUN
ajfti-5168	52	21	to	to	PART
ajfti-5168	52	22	deal	deal	VERB
ajfti-5168	52	23	with	with	ADP
ajfti-5168	52	24	(	(	PUNCT
ajfti-5168	52	25	adeyeri	adeyeri	ADJ
ajfti-5168	52	26	,	,	PUNCT
ajfti-5168	52	27	2024	2024	NUM
ajfti-5168	52	28	)	)	PUNCT
ajfti-5168	52	29	.	.	PUNCT
ajfti-5168	53	1	the	the	DET
ajfti-5168	53	2	increased	increase	VERB
ajfti-5168	53	3	use	use	NOUN
ajfti-5168	53	4	of	of	ADP
ajfti-5168	53	5	digital	digital	ADJ
ajfti-5168	53	6	banking	banking	NOUN
ajfti-5168	53	7	has	have	AUX
ajfti-5168	53	8	made	make	VERB
ajfti-5168	53	9	the	the	DET
ajfti-5168	53	10	implementation	implementation	NOUN
ajfti-5168	53	11	of	of	ADP
ajfti-5168	53	12	advanced	advanced	ADJ
ajfti-5168	53	13	fraud	fraud	NOUN
ajfti-5168	53	14	detection	detection	NOUN
ajfti-5168	53	15	systems	system	NOUN
ajfti-5168	53	16	capable	capable	ADJ
ajfti-5168	53	17	of	of	ADP
ajfti-5168	53	18	addressing	address	VERB
ajfti-5168	53	19	and	and	CCONJ
ajfti-5168	53	20	recognizing	recognize	VERB
ajfti-5168	53	21	such	such	ADJ
ajfti-5168	53	22	fraudulent	fraudulent	ADJ
ajfti-5168	53	23	behaviours	behaviour	NOUN
ajfti-5168	53	24	a	a	DET
ajfti-5168	53	25	necessity	necessity	NOUN
ajfti-5168	53	26	.	.	PUNCT
ajfti-5168	54	1	traditional	traditional	ADJ
ajfti-5168	54	2	fraud	fraud	NOUN
ajfti-5168	54	3	detection	detection	NOUN
ajfti-5168	54	4	methods	method	NOUN
ajfti-5168	54	5	most	most	ADJ
ajfti-5168	54	6	banks	bank	NOUN
ajfti-5168	54	7	use	use	VERB
ajfti-5168	54	8	rule	rule	NOUN
ajfti-5168	54	9	-	-	PUNCT
ajfti-5168	54	10	based	base	VERB
ajfti-5168	54	11	systems	system	NOUN
ajfti-5168	54	12	and	and	CCONJ
ajfti-5168	54	13	human	human	ADJ
ajfti-5168	54	14	monitoring	monitoring	NOUN
ajfti-5168	54	15	to	to	PART
ajfti-5168	54	16	catch	catch	VERB
ajfti-5168	54	17	fraud	fraud	NOUN
ajfti-5168	54	18	when	when	SCONJ
ajfti-5168	54	19	it	it	PRON
ajfti-5168	54	20	happens	happen	VERB
ajfti-5168	54	21	.	.	PUNCT
ajfti-5168	55	1	in	in	ADP
ajfti-5168	55	2	rule	rule	NOUN
ajfti-5168	55	3	-	-	PUNCT
ajfti-5168	55	4	based	base	VERB
ajfti-5168	55	5	systems	system	NOUN
ajfti-5168	55	6	a	a	DET
ajfti-5168	55	7	predefined	predefine	VERB
ajfti-5168	55	8	set	set	NOUN
ajfti-5168	55	9	of	of	ADP
ajfti-5168	55	10	rules	rule	NOUN
ajfti-5168	55	11	is	be	AUX
ajfti-5168	55	12	utilized	utilize	VERB
ajfti-5168	55	13	to	to	PART
ajfti-5168	55	14	identify	identify	VERB
ajfti-5168	55	15	potentially	potentially	ADV
ajfti-5168	55	16	suspicious	suspicious	ADJ
ajfti-5168	55	17	behaviour	behaviour	NOUN
ajfti-5168	55	18	,	,	PUNCT
ajfti-5168	55	19	for	for	ADP
ajfti-5168	55	20	example	example	NOUN
ajfti-5168	55	21	,	,	PUNCT
ajfti-5168	55	22	these	these	DET
ajfti-5168	55	23	sorts	sort	NOUN
ajfti-5168	55	24	of	of	ADP
ajfti-5168	55	25	rules	rule	NOUN
ajfti-5168	55	26	could	could	AUX
ajfti-5168	55	27	indicate	indicate	VERB
ajfti-5168	55	28	abnormally	abnormally	ADV
ajfti-5168	55	29	large	large	ADJ
ajfti-5168	55	30	transactions	transaction	NOUN
ajfti-5168	55	31	or	or	CCONJ
ajfti-5168	55	32	simultaneous	simultaneous	ADJ
ajfti-5168	55	33	multiple	multiple	ADJ
ajfti-5168	55	34	withdrawals	withdrawal	NOUN
ajfti-5168	55	35	from	from	ADP
ajfti-5168	55	36	various	various	ADJ
ajfti-5168	55	37	locations	location	NOUN
ajfti-5168	55	38	.	.	PUNCT
ajfti-5168	56	1	goyal	goyal	PROPN
ajfti-5168	56	2	et	et	PROPN
ajfti-5168	56	3	al	al	PROPN
ajfti-5168	56	4	.	.	PROPN
ajfti-5168	56	5	,	,	PUNCT
ajfti-5168	56	6	2025	2025	NUM
ajfti-5168	56	7	;	;	PUNCT
ajfti-5168	56	8	metha	metha	VERB
ajfti-5168	56	9	,	,	PUNCT
ajfti-5168	56	10	2025	2025	NUM
ajfti-5168	56	11	)	)	PUNCT
ajfti-5168	56	12	.	.	PUNCT
ajfti-5168	57	1	these	these	DET
ajfti-5168	57	2	systems	system	NOUN
ajfti-5168	57	3	have	have	VERB
ajfti-5168	57	4	the	the	DET
ajfti-5168	57	5	ability	ability	NOUN
ajfti-5168	57	6	to	to	PART
ajfti-5168	57	7	detect	detect	VERB
ajfti-5168	57	8	patterns	pattern	NOUN
ajfti-5168	57	9	of	of	ADP
ajfti-5168	57	10	fraud	fraud	NOUN
ajfti-5168	57	11	that	that	PRON
ajfti-5168	57	12	have	have	AUX
ajfti-5168	57	13	been	be	AUX
ajfti-5168	57	14	established	establish	VERB
ajfti-5168	57	15	,	,	PUNCT
ajfti-5168	57	16	but	but	CCONJ
ajfti-5168	57	17	they	they	PRON
ajfti-5168	57	18	are	be	AUX
ajfti-5168	57	19	limited	limit	VERB
ajfti-5168	57	20	in	in	SCONJ
ajfti-5168	57	21	that	that	SCONJ
ajfti-5168	57	22	they	they	PRON
ajfti-5168	57	23	can	can	AUX
ajfti-5168	57	24	not	not	PART
ajfti-5168	57	25	evolve	evolve	VERB
ajfti-5168	57	26	to	to	PART
ajfti-5168	57	27	detect	detect	VERB
ajfti-5168	57	28	emerging	emerge	VERB
ajfti-5168	57	29	patterns	pattern	NOUN
ajfti-5168	57	30	of	of	ADP
ajfti-5168	57	31	fraud	fraud	NOUN
ajfti-5168	57	32	.	.	PUNCT
ajfti-5168	58	1	traditional	traditional	ADJ
ajfti-5168	58	2	rule	rule	NOUN
ajfti-5168	58	3	systems	system	NOUN
ajfti-5168	58	4	tend	tend	VERB
ajfti-5168	58	5	to	to	PART
ajfti-5168	58	6	be	be	AUX
ajfti-5168	58	7	rigid	rigid	ADJ
ajfti-5168	58	8	;	;	PUNCT
ajfti-5168	58	9	they	they	PRON
ajfti-5168	58	10	can	can	AUX
ajfti-5168	58	11	only	only	ADV
ajfti-5168	58	12	catch	catch	VERB
ajfti-5168	58	13	fraud	fraud	NOUN
ajfti-5168	58	14	patterns	pattern	NOUN
ajfti-5168	58	15	that	that	PRON
ajfti-5168	58	16	are	be	AUX
ajfti-5168	58	17	in	in	ADP
ajfti-5168	58	18	line	line	NOUN
ajfti-5168	58	19	with	with	ADP
ajfti-5168	58	20	existing	exist	VERB
ajfti-5168	58	21	parameters	parameter	NOUN
ajfti-5168	58	22	and	and	CCONJ
ajfti-5168	58	23	are	be	AUX
ajfti-5168	58	24	unsuccessful	unsuccessful	ADJ
ajfti-5168	58	25	at	at	ADP
ajfti-5168	58	26	recognizing	recognize	VERB
ajfti-5168	58	27	new	new	ADJ
ajfti-5168	58	28	fraud	fraud	NOUN
ajfti-5168	58	29	strategies	strategy	NOUN
ajfti-5168	58	30	that	that	PRON
ajfti-5168	58	31	might	might	AUX
ajfti-5168	58	32	be	be	AUX
ajfti-5168	58	33	unpredicted	unpredicted	ADJ
ajfti-5168	58	34	patterns	pattern	NOUN
ajfti-5168	58	35	of	of	ADP
ajfti-5168	58	36	fraud	fraud	NOUN
ajfti-5168	58	37	identified	identify	VERB
ajfti-5168	58	38	by	by	ADP
ajfti-5168	58	39	existing	exist	VERB
ajfti-5168	58	40	parameters	parameter	NOUN
ajfti-5168	58	41	and	and	CCONJ
ajfti-5168	58	42	would	would	AUX
ajfti-5168	58	43	be	be	AUX
ajfti-5168	58	44	ineffective	ineffective	ADJ
ajfti-5168	58	45	in	in	ADP
ajfti-5168	58	46	recognizing	recognize	VERB
ajfti-5168	58	47	new	new	ADJ
ajfti-5168	58	48	fraud	fraud	NOUN
ajfti-5168	58	49	strategies	strategy	NOUN
ajfti-5168	58	50	that	that	PRON
ajfti-5168	58	51	might	might	AUX
ajfti-5168	58	52	not	not	PART
ajfti-5168	58	53	have	have	AUX
ajfti-5168	58	54	been	be	AUX
ajfti-5168	58	55	predictive	predictive	ADJ
ajfti-5168	58	56	of	of	ADP
ajfti-5168	58	57	fraud	fraud	NOUN
ajfti-5168	58	58	patterns	pattern	NOUN
ajfti-5168	58	59	by	by	ADP
ajfti-5168	58	60	existing	exist	VERB
ajfti-5168	58	61	parameters	parameter	NOUN
ajfti-5168	58	62	and	and	CCONJ
ajfti-5168	58	63	would	would	AUX
ajfti-5168	58	64	be	be	AUX
ajfti-5168	58	65	ineffective	ineffective	ADJ
ajfti-5168	58	66	at	at	ADP
ajfti-5168	58	67	recognizing	recognize	VERB
ajfti-5168	58	68	new	new	ADJ
ajfti-5168	58	69	fraud	fraud	NOUN
ajfti-5168	58	70	strategies	strategy	NOUN
ajfti-5168	58	71	that	that	PRON
ajfti-5168	58	72	might	might	AUX
ajfti-5168	58	73	not	not	PART
ajfti-5168	58	74	have	have	AUX
ajfti-5168	58	75	been	be	AUX
ajfti-5168	58	76	anticipated	anticipate	VERB
ajfti-5168	58	77	(	(	PUNCT
ajfti-5168	58	78	bello	bello	PROPN
ajfti-5168	58	79	et	et	PROPN
ajfti-5168	58	80	al	al	PROPN
ajfti-5168	58	81	.	.	PROPN
ajfti-5168	58	82	,	,	PUNCT
ajfti-5168	58	83	2023	2023	NUM
ajfti-5168	58	84	;	;	PUNCT
ajfti-5168	58	85	ikemefuna	ikemefuna	PROPN
ajfti-5168	58	86	et	et	PROPN
ajfti-5168	58	87	al	al	PROPN
ajfti-5168	58	88	.	.	PROPN
ajfti-5168	58	89	,	,	PUNCT
ajfti-5168	58	90	2024	2024	NUM
ajfti-5168	58	91	)	)	PUNCT
ajfti-5168	58	92	.	.	PUNCT
ajfti-5168	59	1	fraud	fraud	NOUN
ajfti-5168	59	2	monitoring	monitoring	NOUN
ajfti-5168	59	3	is	be	AUX
ajfti-5168	59	4	also	also	ADV
ajfti-5168	59	5	completed	complete	VERB
ajfti-5168	59	6	by	by	ADP
ajfti-5168	59	7	humans	human	NOUN
ajfti-5168	59	8	,	,	PUNCT
ajfti-5168	59	9	who	who	PRON
ajfti-5168	59	10	review	review	VERB
ajfti-5168	59	11	flagged	flag	VERB
ajfti-5168	59	12	transactions	transaction	NOUN
ajfti-5168	59	13	that	that	PRON
ajfti-5168	59	14	were	be	AUX
ajfti-5168	59	15	detected	detect	VERB
ajfti-5168	59	16	by	by	ADP
ajfti-5168	59	17	rules	rule	NOUN
ajfti-5168	59	18	or	or	CCONJ
ajfti-5168	59	19	other	other	ADJ
ajfti-5168	59	20	non	non	ADJ
ajfti-5168	59	21	-	-	ADJ
ajfti-5168	59	22	automatic	automatic	ADJ
ajfti-5168	59	23	fingerprints	fingerprint	NOUN
ajfti-5168	59	24	of	of	ADP
ajfti-5168	59	25	alleged	allege	VERB
ajfti-5168	59	26	fraudulent	fraudulent	ADJ
ajfti-5168	59	27	pa	pa	PROPN
ajfti-5168	59	28	ge	ge	PROPN
ajfti-5168	59	29	17	17	NUM
ajfti-5168	59	30	9	9	NUM
ajfti-5168	59	31	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-5168	59	32	am	be	AUX
ajfti-5168	59	33	.	.	PUNCT
ajfti-5168	60	1	j.	j.	PROPN
ajfti-5168	60	2	financ	financ	PROPN
ajfti-5168	60	3	.	.	PUNCT
ajfti-5168	61	1	technol	technol	PROPN
ajfti-5168	61	2	.	.	PUNCT
ajfti-5168	61	3	innov	innov	PROPN
ajfti-5168	61	4	.	.	PUNCT
ajfti-5168	62	1	3(1	3(1	NUM
ajfti-5168	62	2	)	)	PUNCT
ajfti-5168	62	3	177	177	NUM
ajfti-5168	62	4	-	-	SYM
ajfti-5168	62	5	187	187	NUM
ajfti-5168	62	6	,	,	PUNCT
ajfti-5168	62	7	2025	2025	NUM
ajfti-5168	62	8	activity	activity	NOUN
ajfti-5168	62	9	(	(	PUNCT
ajfti-5168	62	10	hilal	hilal	PROPN
ajfti-5168	62	11	et	et	PROPN
ajfti-5168	62	12	al	al	PROPN
ajfti-5168	62	13	.	.	PROPN
ajfti-5168	62	14	,	,	PUNCT
ajfti-5168	62	15	2021	2021	NUM
ajfti-5168	62	16	)	)	PUNCT
ajfti-5168	62	17	.	.	PUNCT
ajfti-5168	63	1	but	but	CCONJ
ajfti-5168	63	2	human	human	ADJ
ajfti-5168	63	3	oversight	oversight	NOUN
ajfti-5168	63	4	adds	add	VERB
ajfti-5168	63	5	an	an	DET
ajfti-5168	63	6	even	even	ADV
ajfti-5168	63	7	more	more	ADV
ajfti-5168	63	8	rigid	rigid	ADJ
ajfti-5168	63	9	layer	layer	NOUN
ajfti-5168	63	10	of	of	ADP
ajfti-5168	63	11	control	control	NOUN
ajfti-5168	63	12	,	,	PUNCT
ajfti-5168	63	13	as	as	SCONJ
ajfti-5168	63	14	it	it	PRON
ajfti-5168	63	15	is	be	AUX
ajfti-5168	63	16	highly	highly	ADV
ajfti-5168	63	17	laborious	laborious	ADJ
ajfti-5168	63	18	and	and	CCONJ
ajfti-5168	63	19	also	also	ADV
ajfti-5168	63	20	subject	subject	ADJ
ajfti-5168	63	21	to	to	ADP
ajfti-5168	63	22	mistakes	mistake	NOUN
ajfti-5168	63	23	given	give	VERB
ajfti-5168	63	24	the	the	DET
ajfti-5168	63	25	enormous	enormous	ADJ
ajfti-5168	63	26	number	number	NOUN
ajfti-5168	63	27	of	of	ADP
ajfti-5168	63	28	daily	daily	ADJ
ajfti-5168	63	29	transactions	transaction	NOUN
ajfti-5168	63	30	.	.	PUNCT
ajfti-5168	64	1	plus	plus	CCONJ
ajfti-5168	64	2	,	,	PUNCT
ajfti-5168	64	3	humans	human	NOUN
ajfti-5168	64	4	reviewing	review	VERB
ajfti-5168	64	5	cases	case	NOUN
ajfti-5168	64	6	can	can	AUX
ajfti-5168	64	7	be	be	AUX
ajfti-5168	64	8	overwhelmed	overwhelm	VERB
ajfti-5168	64	9	by	by	ADP
ajfti-5168	64	10	the	the	DET
ajfti-5168	64	11	volume	volume	NOUN
ajfti-5168	64	12	and	and	CCONJ
ajfti-5168	64	13	complexity	complexity	NOUN
ajfti-5168	64	14	of	of	ADP
ajfti-5168	64	15	rampant	rampant	ADJ
ajfti-5168	64	16	fraudulent	fraudulent	ADJ
ajfti-5168	64	17	activity	activity	NOUN
ajfti-5168	64	18	,	,	PUNCT
ajfti-5168	64	19	causing	cause	VERB
ajfti-5168	64	20	delays	delay	NOUN
ajfti-5168	64	21	in	in	ADP
ajfti-5168	64	22	the	the	DET
ajfti-5168	64	23	detection	detection	NOUN
ajfti-5168	64	24	and	and	CCONJ
ajfti-5168	64	25	subsequent	subsequent	ADJ
ajfti-5168	64	26	action	action	NOUN
ajfti-5168	64	27	(	(	PUNCT
ajfti-5168	64	28	bello	bello	PROPN
ajfti-5168	64	29	et	et	PROPN
ajfti-5168	64	30	al	al	PROPN
ajfti-5168	64	31	.	.	PROPN
ajfti-5168	64	32	,	,	PUNCT
ajfti-5168	64	33	2022	2022	NUM
ajfti-5168	64	34	)	)	PUNCT
ajfti-5168	64	35	.	.	PUNCT
ajfti-5168	65	1	combined	combine	VERB
ajfti-5168	65	2	,	,	PUNCT
ajfti-5168	65	3	these	these	DET
ajfti-5168	65	4	traditional	traditional	ADJ
ajfti-5168	65	5	techniques	technique	NOUN
ajfti-5168	65	6	can	can	AUX
ajfti-5168	65	7	produce	produce	VERB
ajfti-5168	65	8	high	high	ADJ
ajfti-5168	65	9	false	false	ADJ
ajfti-5168	65	10	positive	positive	ADJ
ajfti-5168	65	11	rates	rate	NOUN
ajfti-5168	65	12	which	which	PRON
ajfti-5168	65	13	burden	burden	VERB
ajfti-5168	65	14	banking	banking	NOUN
ajfti-5168	65	15	staff	staff	NOUN
ajfti-5168	65	16	and	and	CCONJ
ajfti-5168	65	17	lead	lead	VERB
ajfti-5168	65	18	to	to	ADP
ajfti-5168	65	19	unneeded	unneeded	ADJ
ajfti-5168	65	20	investigations	investigation	NOUN
ajfti-5168	65	21	.	.	PUNCT
ajfti-5168	66	1	just	just	ADV
ajfti-5168	66	2	as	as	SCONJ
ajfti-5168	66	3	fraudsters	fraudster	NOUN
ajfti-5168	66	4	have	have	AUX
ajfti-5168	66	5	continued	continue	VERB
ajfti-5168	66	6	to	to	PART
ajfti-5168	66	7	enhance	enhance	VERB
ajfti-5168	66	8	their	their	PRON
ajfti-5168	66	9	techniques	technique	NOUN
ajfti-5168	66	10	,	,	PUNCT
ajfti-5168	66	11	the	the	DET
ajfti-5168	66	12	conventional	conventional	ADJ
ajfti-5168	66	13	systems	system	NOUN
ajfti-5168	66	14	have	have	AUX
ajfti-5168	66	15	become	become	VERB
ajfti-5168	66	16	less	less	ADV
ajfti-5168	66	17	effective	effective	ADJ
ajfti-5168	66	18	to	to	PART
ajfti-5168	66	19	deal	deal	VERB
ajfti-5168	66	20	with	with	ADP
ajfti-5168	66	21	the	the	DET
ajfti-5168	66	22	increasing	increase	VERB
ajfti-5168	66	23	complexity	complexity	NOUN
ajfti-5168	66	24	of	of	ADP
ajfti-5168	66	25	this	this	DET
ajfti-5168	66	26	digital	digital	ADJ
ajfti-5168	66	27	fraud	fraud	NOUN
ajfti-5168	66	28	and	and	CCONJ
ajfti-5168	66	29	this	this	PRON
ajfti-5168	66	30	has	have	AUX
ajfti-5168	66	31	opened	open	VERB
ajfti-5168	66	32	the	the	DET
ajfti-5168	66	33	door	door	NOUN
ajfti-5168	66	34	to	to	ADP
ajfti-5168	66	35	more	more	ADV
ajfti-5168	66	36	sophisticated	sophisticated	ADJ
ajfti-5168	66	37	,	,	PUNCT
ajfti-5168	66	38	ai	ai	NOUN
ajfti-5168	66	39	-	-	PUNCT
ajfti-5168	66	40	based	base	VERB
ajfti-5168	66	41	solutions	solution	NOUN
ajfti-5168	66	42	for	for	ADP
ajfti-5168	66	43	fraud	fraud	NOUN
ajfti-5168	66	44	detection	detection	NOUN
ajfti-5168	66	45	.	.	PUNCT
ajfti-5168	67	1	machine	machine	NOUN
ajfti-5168	67	2	learning	learn	VERB
ajfti-5168	67	3	in	in	ADP
ajfti-5168	67	4	fraud	fraud	NOUN
ajfti-5168	67	5	detection	detection	NOUN
ajfti-5168	67	6	fraud	fraud	NOUN
ajfti-5168	67	7	detection	detection	NOUN
ajfti-5168	67	8	has	have	AUX
ajfti-5168	67	9	changed	change	VERB
ajfti-5168	67	10	with	with	ADP
ajfti-5168	67	11	ai	ai	NOUN
ajfti-5168	67	12	and	and	CCONJ
ajfti-5168	67	13	ml	ml	PROPN
ajfti-5168	67	14	as	as	SCONJ
ajfti-5168	67	15	they	they	PRON
ajfti-5168	67	16	help	help	VERB
ajfti-5168	67	17	financial	financial	ADJ
ajfti-5168	67	18	institutions	institution	NOUN
ajfti-5168	67	19	,	,	PUNCT
ajfti-5168	67	20	“	"	PUNCT
ajfti-5168	67	21	analyse	analyse	VERB
ajfti-5168	67	22	huge	huge	ADJ
ajfti-5168	67	23	data	datum	NOUN
ajfti-5168	67	24	sets	set	NOUN
ajfti-5168	67	25	in	in	ADP
ajfti-5168	67	26	real	real	ADJ
ajfti-5168	67	27	-	-	PUNCT
ajfti-5168	67	28	time	time	NOUN
ajfti-5168	67	29	and	and	CCONJ
ajfti-5168	67	30	recognize	recognize	VERB
ajfti-5168	67	31	intricate	intricate	ADJ
ajfti-5168	67	32	patterns	pattern	NOUN
ajfti-5168	67	33	that	that	PRON
ajfti-5168	67	34	signal	signal	VERB
ajfti-5168	67	35	the	the	DET
ajfti-5168	67	36	possibility	possibility	NOUN
ajfti-5168	67	37	of	of	ADP
ajfti-5168	67	38	fraudulent	fraudulent	ADJ
ajfti-5168	67	39	behaviour	behaviour	NOUN
ajfti-5168	67	40	”	"	PUNCT
ajfti-5168	67	41	(	(	PUNCT
ajfti-5168	67	42	adhikari	adhikari	PROPN
ajfti-5168	67	43	et	et	PROPN
ajfti-5168	67	44	al	al	PROPN
ajfti-5168	67	45	.	.	PROPN
ajfti-5168	67	46	,	,	PUNCT
ajfti-5168	67	47	2024	2024	NUM
ajfti-5168	67	48	;	;	PUNCT
ajfti-5168	67	49	odufisan	odufisan	NOUN
ajfti-5168	67	50	et	et	PROPN
ajfti-5168	67	51	al	al	PROPN
ajfti-5168	67	52	.	.	PROPN
ajfti-5168	67	53	,	,	PUNCT
ajfti-5168	67	54	2025	2025	NUM
ajfti-5168	67	55	)	)	PUNCT
ajfti-5168	67	56	.	.	PUNCT
ajfti-5168	68	1	unlike	unlike	ADP
ajfti-5168	68	2	traditional	traditional	ADJ
ajfti-5168	68	3	rule	rule	NOUN
ajfti-5168	68	4	-	-	PUNCT
ajfti-5168	68	5	based	base	VERB
ajfti-5168	68	6	systems	system	NOUN
ajfti-5168	68	7	,	,	PUNCT
ajfti-5168	68	8	ml	ml	ADP
ajfti-5168	68	9	algorithms	algorithm	NOUN
ajfti-5168	68	10	are	be	AUX
ajfti-5168	68	11	trained	train	VERB
ajfti-5168	68	12	on	on	ADP
ajfti-5168	68	13	historical	historical	ADJ
ajfti-5168	68	14	data	datum	NOUN
ajfti-5168	68	15	and	and	CCONJ
ajfti-5168	68	16	thus	thus	ADV
ajfti-5168	68	17	are	be	AUX
ajfti-5168	68	18	adaptive	adaptive	ADJ
ajfti-5168	68	19	in	in	ADP
ajfti-5168	68	20	detecting	detect	VERB
ajfti-5168	68	21	patterns	pattern	NOUN
ajfti-5168	68	22	of	of	ADP
ajfti-5168	68	23	both	both	CCONJ
ajfti-5168	68	24	historical	historical	ADJ
ajfti-5168	68	25	and	and	CCONJ
ajfti-5168	68	26	emerging	emerge	VERB
ajfti-5168	68	27	fraud	fraud	NOUN
ajfti-5168	68	28	.	.	PUNCT
ajfti-5168	69	1	supervised	supervised	ADJ
ajfti-5168	69	2	learning	learning	NOUN
ajfti-5168	69	3	,	,	PUNCT
ajfti-5168	69	4	unsupervised	unsupervised	ADJ
ajfti-5168	69	5	learning	learning	NOUN
ajfti-5168	69	6	,	,	PUNCT
ajfti-5168	69	7	and	and	CCONJ
ajfti-5168	69	8	reinforcement	reinforcement	NOUN
ajfti-5168	69	9	learning	learning	NOUN
ajfti-5168	69	10	are	be	AUX
ajfti-5168	69	11	now	now	ADV
ajfti-5168	69	12	commonly	commonly	ADV
ajfti-5168	69	13	used	use	VERB
ajfti-5168	69	14	in	in	ADP
ajfti-5168	69	15	fraud	fraud	NOUN
ajfti-5168	69	16	detection	detection	NOUN
ajfti-5168	69	17	systems	system	NOUN
ajfti-5168	69	18	by	by	ADP
ajfti-5168	69	19	machine	machine	NOUN
ajfti-5168	69	20	learning	learn	VERB
ajfti-5168	69	21	techniques	technique	NOUN
ajfti-5168	69	22	(	(	PUNCT
ajfti-5168	69	23	sarker	sarker	NOUN
ajfti-5168	69	24	,	,	PUNCT
ajfti-5168	69	25	2021	2021	NUM
ajfti-5168	69	26	;	;	PUNCT
ajfti-5168	69	27	hernandez	hernandez	PROPN
ajfti-5168	69	28	aros	aros	PROPN
ajfti-5168	69	29	et	et	PROPN
ajfti-5168	69	30	al	al	PROPN
ajfti-5168	69	31	.	.	PROPN
ajfti-5168	69	32	,	,	PUNCT
ajfti-5168	69	33	2024	2024	NUM
ajfti-5168	69	34	)	)	PUNCT
ajfti-5168	69	35	.	.	PUNCT
ajfti-5168	70	1	supervised	supervised	ADJ
ajfti-5168	70	2	learning	learning	NOUN
ajfti-5168	70	3	involves	involve	VERB
ajfti-5168	70	4	training	train	VERB
ajfti-5168	70	5	a	a	DET
ajfti-5168	70	6	model	model	NOUN
ajfti-5168	70	7	using	use	VERB
ajfti-5168	70	8	a	a	DET
ajfti-5168	70	9	labelled	label	VERB
ajfti-5168	70	10	dataset	dataset	NOUN
ajfti-5168	70	11	with	with	ADP
ajfti-5168	70	12	transactions	transaction	NOUN
ajfti-5168	70	13	already	already	ADV
ajfti-5168	70	14	labelled	label	VERB
ajfti-5168	70	15	as	as	ADV
ajfti-5168	70	16	fraudulent	fraudulent	ADJ
ajfti-5168	70	17	or	or	CCONJ
ajfti-5168	70	18	legitimate	legitimate	ADJ
ajfti-5168	70	19	(	(	PUNCT
ajfti-5168	70	20	afriyie	afriyie	ADV
ajfti-5168	70	21	et	et	PROPN
ajfti-5168	70	22	al	al	PROPN
ajfti-5168	70	23	.	.	PROPN
ajfti-5168	70	24	,	,	PUNCT
ajfti-5168	70	25	2023	2023	NUM
ajfti-5168	70	26	)	)	PUNCT
ajfti-5168	70	27	.	.	PUNCT
ajfti-5168	71	1	the	the	DET
ajfti-5168	71	2	model	model	NOUN
ajfti-5168	71	3	will	will	AUX
ajfti-5168	71	4	then	then	ADV
ajfti-5168	71	5	learn	learn	VERB
ajfti-5168	71	6	the	the	DET
ajfti-5168	71	7	patterns	pattern	NOUN
ajfti-5168	71	8	that	that	PRON
ajfti-5168	71	9	distinguish	distinguish	VERB
ajfti-5168	71	10	these	these	DET
ajfti-5168	71	11	two	two	NUM
ajfti-5168	71	12	in	in	ADP
ajfti-5168	71	13	order	order	NOUN
ajfti-5168	71	14	to	to	PART
ajfti-5168	71	15	predict	predict	VERB
ajfti-5168	71	16	the	the	DET
ajfti-5168	71	17	probability	probability	NOUN
ajfti-5168	71	18	of	of	ADP
ajfti-5168	71	19	fraud	fraud	NOUN
ajfti-5168	71	20	in	in	ADP
ajfti-5168	71	21	future	future	ADJ
ajfti-5168	71	22	transactions	transaction	NOUN
ajfti-5168	71	23	.	.	PUNCT
ajfti-5168	72	1	unlike	unlike	ADP
ajfti-5168	72	2	,	,	PUNCT
ajfti-5168	72	3	unsupervised	unsupervised	ADJ
ajfti-5168	72	4	learning	learning	NOUN
ajfti-5168	72	5	is	be	AUX
ajfti-5168	72	6	used	use	VERB
ajfti-5168	72	7	for	for	ADP
ajfti-5168	72	8	finding	find	VERB
ajfti-5168	72	9	anomalies	anomaly	NOUN
ajfti-5168	72	10	in	in	ADP
ajfti-5168	72	11	unlabelled	unlabelled	ADJ
ajfti-5168	72	12	data	datum	NOUN
ajfti-5168	72	13	(	(	PUNCT
ajfti-5168	72	14	venigandla	venigandla	NOUN
ajfti-5168	72	15	&	&	CCONJ
ajfti-5168	72	16	vemuri	vemuri	PROPN
ajfti-5168	72	17	,	,	PUNCT
ajfti-5168	72	18	2022	2022	NUM
ajfti-5168	72	19	)	)	PUNCT
ajfti-5168	72	20	.	.	PUNCT
ajfti-5168	73	1	this	this	PRON
ajfti-5168	73	2	is	be	AUX
ajfti-5168	73	3	particularly	particularly	ADV
ajfti-5168	73	4	advantageous	advantageous	ADJ
ajfti-5168	73	5	in	in	ADP
ajfti-5168	73	6	identifying	identify	VERB
ajfti-5168	73	7	novel	novel	NOUN
ajfti-5168	73	8	or	or	CCONJ
ajfti-5168	73	9	unknown	unknown	ADJ
ajfti-5168	73	10	patterns	pattern	NOUN
ajfti-5168	73	11	of	of	ADP
ajfti-5168	73	12	fraud	fraud	NOUN
ajfti-5168	73	13	that	that	PRON
ajfti-5168	73	14	are	be	AUX
ajfti-5168	73	15	actually	actually	ADV
ajfti-5168	73	16	not	not	PART
ajfti-5168	73	17	found	find	VERB
ajfti-5168	73	18	in	in	ADP
ajfti-5168	73	19	the	the	DET
ajfti-5168	73	20	historical	historical	ADJ
ajfti-5168	73	21	data	datum	NOUN
ajfti-5168	73	22	.	.	PUNCT
ajfti-5168	74	1	also	also	ADV
ajfti-5168	74	2	,	,	PUNCT
ajfti-5168	74	3	reinforcement	reinforcement	NOUN
ajfti-5168	74	4	learning	learning	NOUN
ajfti-5168	74	5	,	,	PUNCT
ajfti-5168	74	6	where	where	SCONJ
ajfti-5168	74	7	the	the	DET
ajfti-5168	74	8	model	model	NOUN
ajfti-5168	74	9	learns	learn	VERB
ajfti-5168	74	10	by	by	ADP
ajfti-5168	74	11	interacting	interact	VERB
ajfti-5168	74	12	with	with	ADP
ajfti-5168	74	13	the	the	DET
ajfti-5168	74	14	environment	environment	NOUN
ajfti-5168	74	15	,	,	PUNCT
ajfti-5168	74	16	becomes	become	VERB
ajfti-5168	74	17	an	an	DET
ajfti-5168	74	18	effective	effective	ADJ
ajfti-5168	74	19	fraud	fraud	NOUN
ajfti-5168	74	20	detection	detection	NOUN
ajfti-5168	74	21	tool	tool	NOUN
ajfti-5168	74	22	as	as	SCONJ
ajfti-5168	74	23	it	it	PRON
ajfti-5168	74	24	constantly	constantly	ADV
ajfti-5168	74	25	improves	improve	VERB
ajfti-5168	74	26	the	the	DET
ajfti-5168	74	27	predictions	prediction	NOUN
ajfti-5168	74	28	of	of	ADP
ajfti-5168	74	29	fraudulent	fraudulent	ADJ
ajfti-5168	74	30	actions	action	NOUN
ajfti-5168	74	31	(	(	PUNCT
ajfti-5168	74	32	sharma	sharma	PROPN
ajfti-5168	74	33	,	,	PUNCT
ajfti-5168	74	34	2024	2024	NUM
ajfti-5168	74	35	)	)	PUNCT
ajfti-5168	74	36	.	.	PUNCT
ajfti-5168	75	1	ai	ai	VERB
ajfti-5168	75	2	and	and	CCONJ
ajfti-5168	75	3	ml	ml	NOUN
ajfti-5168	75	4	applications	application	NOUN
ajfti-5168	75	5	to	to	PART
ajfti-5168	75	6	fraud	fraud	VERB
ajfti-5168	75	7	detection	detection	NOUN
ajfti-5168	75	8	writ	writ	NOUN
ajfti-5168	75	9	large	large	ADJ
ajfti-5168	75	10	has	have	AUX
ajfti-5168	75	11	been	be	AUX
ajfti-5168	75	12	the	the	DET
ajfti-5168	75	13	subject	subject	NOUN
ajfti-5168	75	14	of	of	ADP
ajfti-5168	75	15	study	study	NOUN
ajfti-5168	75	16	in	in	ADP
ajfti-5168	75	17	a	a	DET
ajfti-5168	75	18	couple	couple	NOUN
ajfti-5168	75	19	of	of	ADP
ajfti-5168	75	20	papers	paper	NOUN
ajfti-5168	75	21	.	.	PUNCT
ajfti-5168	76	1	in	in	ADP
ajfti-5168	76	2	2020	2020	NUM
ajfti-5168	76	3	li	li	X
ajfti-5168	76	4	et	et	PROPN
ajfti-5168	76	5	al	al	PROPN
ajfti-5168	76	6	.	.	PROPN
ajfti-5168	76	7	concluded	conclude	VERB
ajfti-5168	76	8	that	that	SCONJ
ajfti-5168	76	9	individual	individual	ADJ
ajfti-5168	76	10	algorithms	algorithm	NOUN
ajfti-5168	76	11	performed	perform	VERB
ajfti-5168	76	12	worse	bad	ADJ
ajfti-5168	76	13	than	than	ADP
ajfti-5168	76	14	random	random	ADJ
ajfti-5168	76	15	forests	forest	NOUN
ajfti-5168	76	16	and	and	CCONJ
ajfti-5168	76	17	gradient	gradient	NOUN
ajfti-5168	76	18	boosting	boost	VERB
ajfti-5168	76	19	in	in	ADP
ajfti-5168	76	20	the	the	DET
ajfti-5168	76	21	detection	detection	NOUN
ajfti-5168	76	22	of	of	ADP
ajfti-5168	76	23	credit	credit	NOUN
ajfti-5168	76	24	card	card	NOUN
ajfti-5168	76	25	fraud	fraud	NOUN
ajfti-5168	76	26	,	,	PUNCT
ajfti-5168	76	27	supporting	support	VERB
ajfti-5168	76	28	the	the	DET
ajfti-5168	76	29	results	result	NOUN
ajfti-5168	76	30	of	of	ADP
ajfti-5168	76	31	this	this	DET
ajfti-5168	76	32	study	study	NOUN
ajfti-5168	76	33	.	.	PUNCT
ajfti-5168	77	1	another	another	DET
ajfti-5168	77	2	example	example	NOUN
ajfti-5168	77	3	of	of	ADP
ajfti-5168	77	4	research	research	NOUN
ajfti-5168	77	5	emphasizing	emphasize	VERB
ajfti-5168	77	6	the	the	DET
ajfti-5168	77	7	use	use	NOUN
ajfti-5168	77	8	of	of	ADP
ajfti-5168	77	9	rpa	rpa	PROPN
ajfti-5168	77	10	and	and	CCONJ
ajfti-5168	77	11	ai	ai	VERB
ajfti-5168	77	12	in	in	ADP
ajfti-5168	77	13	online	online	ADJ
ajfti-5168	77	14	banking	banking	NOUN
ajfti-5168	77	15	fraud	fraud	NOUN
ajfti-5168	77	16	detection	detection	NOUN
ajfti-5168	77	17	is	be	AUX
ajfti-5168	77	18	by	by	ADP
ajfti-5168	77	19	wang	wang	PROPN
ajfti-5168	77	20	et	et	PROPN
ajfti-5168	77	21	al	al	PROPN
ajfti-5168	77	22	.	.	PROPN
ajfti-5168	78	1	(	(	PUNCT
ajfti-5168	78	2	2019	2019	NUM
ajfti-5168	78	3	)	)	PUNCT
ajfti-5168	78	4	,	,	PUNCT
ajfti-5168	78	5	who	who	PRON
ajfti-5168	78	6	recommended	recommend	VERB
ajfti-5168	78	7	hybrid	hybrid	ADJ
ajfti-5168	78	8	rpa	rpa	NOUN
ajfti-5168	78	9	and	and	CCONJ
ajfti-5168	78	10	ai	ai	VERB
ajfti-5168	78	11	predictive	predictive	ADJ
ajfti-5168	78	12	analytics	analytic	NOUN
ajfti-5168	78	13	system	system	NOUN
ajfti-5168	78	14	to	to	PART
ajfti-5168	78	15	be	be	AUX
ajfti-5168	78	16	used	use	VERB
ajfti-5168	78	17	as	as	ADP
ajfti-5168	78	18	a	a	DET
ajfti-5168	78	19	cutting	cutting	NOUN
ajfti-5168	78	20	-	-	PUNCT
ajfti-5168	78	21	edge	edge	NOUN
ajfti-5168	78	22	approach	approach	NOUN
ajfti-5168	78	23	for	for	ADP
ajfti-5168	78	24	online	online	ADJ
ajfti-5168	78	25	banking	banking	NOUN
ajfti-5168	78	26	fraud	fraud	NOUN
ajfti-5168	78	27	detection	detection	NOUN
ajfti-5168	78	28	.	.	PUNCT
ajfti-5168	79	1	also	also	ADV
ajfti-5168	79	2	,	,	PUNCT
ajfti-5168	79	3	oduro	oduro	PROPN
ajfti-5168	79	4	et	et	PROPN
ajfti-5168	79	5	,	,	PUNCT
ajfti-5168	79	6	al	al	PROPN
ajfti-5168	79	7	.	.	PROPN
ajfti-5168	79	8	(	(	PUNCT
ajfti-5168	79	9	2025	2025	NUM
ajfti-5168	79	10	)	)	PUNCT
ajfti-5168	79	11	pointed	point	VERB
ajfti-5168	79	12	out	out	ADP
ajfti-5168	79	13	the	the	DET
ajfti-5168	79	14	potential	potential	NOUN
ajfti-5168	79	15	of	of	ADP
ajfti-5168	79	16	machine	machine	NOUN
ajfti-5168	79	17	learning	learning	NOUN
ajfti-5168	79	18	models	model	NOUN
ajfti-5168	79	19	to	to	PART
ajfti-5168	79	20	improve	improve	VERB
ajfti-5168	79	21	accuracy	accuracy	NOUN
ajfti-5168	79	22	in	in	ADP
ajfti-5168	79	23	fraud	fraud	NOUN
ajfti-5168	79	24	detection	detection	NOUN
ajfti-5168	79	25	and	and	CCONJ
ajfti-5168	79	26	decrease	decrease	VERB
ajfti-5168	79	27	the	the	DET
ajfti-5168	79	28	false	false	ADJ
ajfti-5168	79	29	positive	positive	ADJ
ajfti-5168	79	30	rate	rate	NOUN
ajfti-5168	79	31	in	in	ADP
ajfti-5168	79	32	digital	digital	ADJ
ajfti-5168	79	33	banking	banking	NOUN
ajfti-5168	79	34	systems	system	NOUN
ajfti-5168	79	35	.	.	PUNCT
ajfti-5168	80	1	materials	material	NOUN
ajfti-5168	80	2	and	and	CCONJ
ajfti-5168	80	3	methods	method	NOUN
ajfti-5168	80	4	the	the	DET
ajfti-5168	80	5	study	study	NOUN
ajfti-5168	80	6	is	be	AUX
ajfti-5168	80	7	based	base	VERB
ajfti-5168	80	8	on	on	ADP
ajfti-5168	80	9	secondary	secondary	ADJ
ajfti-5168	80	10	data	datum	NOUN
ajfti-5168	80	11	concerning	concern	VERB
ajfti-5168	80	12	the	the	DET
ajfti-5168	80	13	use	use	NOUN
ajfti-5168	80	14	of	of	ADP
ajfti-5168	80	15	artificial	artificial	ADJ
ajfti-5168	80	16	intelligence	intelligence	NOUN
ajfti-5168	80	17	and	and	CCONJ
ajfti-5168	80	18	machine	machine	NOUN
ajfti-5168	80	19	learning	learn	VERB
ajfti-5168	80	20	in	in	ADP
ajfti-5168	80	21	fraud	fraud	NOUN
ajfti-5168	80	22	detection	detection	NOUN
ajfti-5168	80	23	in	in	ADP
ajfti-5168	80	24	digital	digital	ADJ
ajfti-5168	80	25	banking	banking	NOUN
ajfti-5168	80	26	from	from	ADP
ajfti-5168	80	27	among	among	ADP
ajfti-5168	80	28	a	a	DET
ajfti-5168	80	29	general	general	ADJ
ajfti-5168	80	30	pool	pool	NOUN
ajfti-5168	80	31	of	of	ADP
ajfti-5168	80	32	published	publish	VERB
ajfti-5168	80	33	research	research	NOUN
ajfti-5168	80	34	articles	article	NOUN
ajfti-5168	80	35	.	.	PUNCT
ajfti-5168	81	1	the	the	DET
ajfti-5168	81	2	required	require	VERB
ajfti-5168	81	3	data	datum	NOUN
ajfti-5168	81	4	was	be	AUX
ajfti-5168	81	5	obtained	obtain	VERB
ajfti-5168	81	6	by	by	ADP
ajfti-5168	81	7	systematically	systematically	ADV
ajfti-5168	81	8	identifying	identify	VERB
ajfti-5168	81	9	peer	peer	NOUN
ajfti-5168	81	10	reviewed	review	VERB
ajfti-5168	81	11	journal	journal	NOUN
ajfti-5168	81	12	articles	article	NOUN
ajfti-5168	81	13	,	,	PUNCT
ajfti-5168	81	14	conference	conference	NOUN
ajfti-5168	81	15	proceedings	proceeding	NOUN
ajfti-5168	81	16	,	,	PUNCT
ajfti-5168	81	17	and	and	CCONJ
ajfti-5168	81	18	industry	industry	NOUN
ajfti-5168	81	19	reports	report	NOUN
ajfti-5168	81	20	retrieved	retrieve	VERB
ajfti-5168	81	21	through	through	ADP
ajfti-5168	81	22	google	google	PROPN
ajfti-5168	81	23	scholar	scholar	NOUN
ajfti-5168	81	24	,	,	PUNCT
ajfti-5168	81	25	ieee	ieee	PROPN
ajfti-5168	81	26	xplore	xplore	PROPN
ajfti-5168	81	27	,	,	PUNCT
ajfti-5168	81	28	elsevier	elsevier	NOUN
ajfti-5168	81	29	,	,	PUNCT
ajfti-5168	81	30	and	and	CCONJ
ajfti-5168	81	31	other	other	ADJ
ajfti-5168	81	32	reputable	reputable	ADJ
ajfti-5168	81	33	journals	journal	NOUN
ajfti-5168	81	34	.	.	PUNCT
ajfti-5168	82	1	selected	select	VERB
ajfti-5168	82	2	articles	article	NOUN
ajfti-5168	82	3	were	be	AUX
ajfti-5168	82	4	those	those	PRON
ajfti-5168	82	5	that	that	PRON
ajfti-5168	82	6	addressed	address	VERB
ajfti-5168	82	7	digital	digital	ADJ
ajfti-5168	82	8	fraud	fraud	NOUN
ajfti-5168	82	9	detection	detection	NOUN
ajfti-5168	82	10	systems	system	NOUN
ajfti-5168	82	11	that	that	PRON
ajfti-5168	82	12	implemented	implement	VERB
ajfti-5168	82	13	the	the	DET
ajfti-5168	82	14	use	use	NOUN
ajfti-5168	82	15	of	of	ADP
ajfti-5168	82	16	ai	ai	NOUN
ajfti-5168	82	17	and	and	CCONJ
ajfti-5168	82	18	ml	ml	VERB
ajfti-5168	82	19	,	,	PUNCT
ajfti-5168	82	20	specifically	specifically	ADV
ajfti-5168	82	21	in	in	ADP
ajfti-5168	82	22	regards	regard	NOUN
ajfti-5168	82	23	to	to	ADP
ajfti-5168	82	24	the	the	DET
ajfti-5168	82	25	categories	category	NOUN
ajfti-5168	82	26	of	of	ADP
ajfti-5168	82	27	fraud	fraud	NOUN
ajfti-5168	82	28	detection	detection	NOUN
ajfti-5168	82	29	systems	system	NOUN
ajfti-5168	82	30	of	of	ADP
ajfti-5168	82	31	supervised	supervised	ADJ
ajfti-5168	82	32	learning	learning	NOUN
ajfti-5168	82	33	,	,	PUNCT
ajfti-5168	82	34	unsupervised	unsupervised	ADJ
ajfti-5168	82	35	learning	learning	NOUN
ajfti-5168	82	36	,	,	PUNCT
ajfti-5168	82	37	reinforcement	reinforcement	NOUN
ajfti-5168	82	38	learning	learning	NOUN
ajfti-5168	82	39	,	,	PUNCT
ajfti-5168	82	40	and	and	CCONJ
ajfti-5168	82	41	ensemble	ensemble	ADJ
ajfti-5168	82	42	methods	method	NOUN
ajfti-5168	82	43	.	.	PUNCT
ajfti-5168	83	1	a	a	DET
ajfti-5168	83	2	method	method	NOUN
ajfti-5168	83	3	and	and	CCONJ
ajfti-5168	83	4	finding	finding	NOUN
ajfti-5168	83	5	section	section	NOUN
ajfti-5168	83	6	were	be	AUX
ajfti-5168	83	7	extracted	extract	VERB
ajfti-5168	83	8	from	from	ADP
ajfti-5168	83	9	each	each	DET
ajfti-5168	83	10	study	study	NOUN
ajfti-5168	83	11	of	of	ADP
ajfti-5168	83	12	interest	interest	NOUN
ajfti-5168	83	13	that	that	PRON
ajfti-5168	83	14	focused	focus	VERB
ajfti-5168	83	15	on	on	ADP
ajfti-5168	83	16	fraud	fraud	NOUN
ajfti-5168	83	17	detection	detection	NOUN
ajfti-5168	83	18	in	in	ADP
ajfti-5168	83	19	banking	banking	NOUN
ajfti-5168	83	20	.	.	PUNCT
ajfti-5168	84	1	a	a	DET
ajfti-5168	84	2	focus	focus	NOUN
ajfti-5168	84	3	was	be	AUX
ajfti-5168	84	4	on	on	ADP
ajfti-5168	84	5	these	these	DET
ajfti-5168	84	6	techniques	technique	NOUN
ajfti-5168	84	7	as	as	SCONJ
ajfti-5168	84	8	employed	employ	VERB
ajfti-5168	84	9	in	in	ADP
ajfti-5168	84	10	actual	actual	ADJ
ajfti-5168	84	11	banking	banking	NOUN
ajfti-5168	84	12	scenarios	scenario	NOUN
ajfti-5168	84	13	,	,	PUNCT
ajfti-5168	84	14	specifically	specifically	ADV
ajfti-5168	84	15	data	datum	NOUN
ajfti-5168	84	16	preprocessing	preprocessing	NOUN
ajfti-5168	84	17	,	,	PUNCT
ajfti-5168	84	18	model	model	NOUN
ajfti-5168	84	19	selection	selection	NOUN
ajfti-5168	84	20	,	,	PUNCT
ajfti-5168	84	21	and	and	CCONJ
ajfti-5168	84	22	algorithm	algorithm	NOUN
ajfti-5168	84	23	performance	performance	NOUN
ajfti-5168	84	24	.	.	PUNCT
ajfti-5168	85	1	results	result	NOUN
ajfti-5168	85	2	&	&	CCONJ
ajfti-5168	85	3	discussion	discussion	NOUN
ajfti-5168	85	4	ai	ai	VERB
ajfti-5168	85	5	and	and	CCONJ
ajfti-5168	85	6	ml	ml	ADP
ajfti-5168	85	7	techniques	technique	NOUN
ajfti-5168	85	8	for	for	ADP
ajfti-5168	85	9	fraud	fraud	NOUN
ajfti-5168	85	10	detection	detection	NOUN
ajfti-5168	85	11	ai	ai	VERB
ajfti-5168	85	12	and	and	CCONJ
ajfti-5168	85	13	ml	ml	AUX
ajfti-5168	85	14	thus	thus	ADV
ajfti-5168	85	15	represent	represent	VERB
ajfti-5168	85	16	an	an	DET
ajfti-5168	85	17	integral	integral	ADJ
ajfti-5168	85	18	part	part	NOUN
ajfti-5168	85	19	of	of	ADP
ajfti-5168	85	20	fraud	fraud	NOUN
ajfti-5168	85	21	detection	detection	NOUN
ajfti-5168	85	22	systems	system	NOUN
ajfti-5168	85	23	,	,	PUNCT
ajfti-5168	85	24	particularly	particularly	ADV
ajfti-5168	85	25	in	in	ADP
ajfti-5168	85	26	the	the	DET
ajfti-5168	85	27	context	context	NOUN
ajfti-5168	85	28	of	of	ADP
ajfti-5168	85	29	online	online	ADJ
ajfti-5168	85	30	banking	banking	NOUN
ajfti-5168	85	31	.	.	PUNCT
ajfti-5168	86	1	these	these	DET
ajfti-5168	86	2	technologies	technology	NOUN
ajfti-5168	86	3	allow	allow	VERB
ajfti-5168	86	4	banks	bank	NOUN
ajfti-5168	86	5	to	to	PART
ajfti-5168	86	6	sift	sift	VERB
ajfti-5168	86	7	through	through	ADP
ajfti-5168	86	8	figure	figure	NOUN
ajfti-5168	86	9	1	1	NUM
ajfti-5168	86	10	:	:	PUNCT
ajfti-5168	86	11	machine	machine	NOUN
ajfti-5168	86	12	learning	learning	NOUN
ajfti-5168	86	13	(	(	PUNCT
ajfti-5168	86	14	ml	ml	NOUN
ajfti-5168	86	15	)	)	PUNCT
ajfti-5168	86	16	in	in	ADP
ajfti-5168	86	17	fraud	fraud	NOUN
ajfti-5168	86	18	detection	detection	NOUN
ajfti-5168	86	19	pa	pa	PROPN
ajfti-5168	86	20	ge	ge	PROPN
ajfti-5168	86	21	18	18	NUM
ajfti-5168	86	22	0	0	NUM
ajfti-5168	86	23	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-5168	86	24	am	be	AUX
ajfti-5168	86	25	.	.	PUNCT
ajfti-5168	87	1	j.	j.	PROPN
ajfti-5168	87	2	financ	financ	PROPN
ajfti-5168	87	3	.	.	PUNCT
ajfti-5168	88	1	technol	technol	PROPN
ajfti-5168	88	2	.	.	PUNCT
ajfti-5168	88	3	innov	innov	PROPN
ajfti-5168	88	4	.	.	PUNCT
ajfti-5168	89	1	3(1	3(1	NUM
ajfti-5168	89	2	)	)	PUNCT
ajfti-5168	89	3	177	177	NUM
ajfti-5168	89	4	-	-	SYM
ajfti-5168	89	5	187	187	NUM
ajfti-5168	89	6	,	,	PUNCT
ajfti-5168	89	7	2025	2025	NUM
ajfti-5168	89	8	massive	massive	ADJ
ajfti-5168	89	9	volumes	volume	NOUN
ajfti-5168	89	10	of	of	ADP
ajfti-5168	89	11	transaction	transaction	NOUN
ajfti-5168	89	12	data	datum	NOUN
ajfti-5168	89	13	and	and	CCONJ
ajfti-5168	89	14	detect	detect	VERB
ajfti-5168	89	15	minute	minute	NOUN
ajfti-5168	89	16	patterns	pattern	NOUN
ajfti-5168	89	17	in	in	ADP
ajfti-5168	89	18	transactions	transaction	NOUN
ajfti-5168	89	19	that	that	PRON
ajfti-5168	89	20	may	may	AUX
ajfti-5168	89	21	be	be	AUX
ajfti-5168	89	22	suggestive	suggestive	ADJ
ajfti-5168	89	23	of	of	ADP
ajfti-5168	89	24	fraud	fraud	NOUN
ajfti-5168	89	25	.	.	PUNCT
ajfti-5168	90	1	while	while	SCONJ
ajfti-5168	90	2	legacy	legacy	NOUN
ajfti-5168	90	3	fraud	fraud	NOUN
ajfti-5168	90	4	detection	detection	NOUN
ajfti-5168	90	5	is	be	AUX
ajfti-5168	90	6	primarily	primarily	ADV
ajfti-5168	90	7	rule	rule	NOUN
ajfti-5168	90	8	-	-	PUNCT
ajfti-5168	90	9	based	base	VERB
ajfti-5168	90	10	and	and	CCONJ
ajfti-5168	90	11	human	human	NOUN
ajfti-5168	90	12	supervised	supervised	ADJ
ajfti-5168	90	13	,	,	PUNCT
ajfti-5168	90	14	ai	ai	VERB
ajfti-5168	90	15	and	and	CCONJ
ajfti-5168	90	16	ml	ml	ADP
ajfti-5168	90	17	algorithms	algorithm	NOUN
ajfti-5168	90	18	apply	apply	VERB
ajfti-5168	90	19	knowledge	knowledge	NOUN
ajfti-5168	90	20	to	to	ADP
ajfti-5168	90	21	new	new	ADJ
ajfti-5168	90	22	data	datum	NOUN
ajfti-5168	90	23	in	in	ADP
ajfti-5168	90	24	real	real	ADJ
ajfti-5168	90	25	-	-	PUNCT
ajfti-5168	90	26	time	time	NOUN
ajfti-5168	90	27	to	to	PART
ajfti-5168	90	28	adapt	adapt	VERB
ajfti-5168	90	29	to	to	ADP
ajfti-5168	90	30	shifting	shift	VERB
ajfti-5168	90	31	patterns	pattern	NOUN
ajfti-5168	90	32	of	of	ADP
ajfti-5168	90	33	fraud	fraud	NOUN
ajfti-5168	90	34	.	.	PUNCT
ajfti-5168	91	1	ai	ai	VERB
ajfti-5168	91	2	and	and	CCONJ
ajfti-5168	91	3	ml	ml	VERB
ajfti-5168	91	4	’s	’s	PART
ajfti-5168	91	5	main	main	ADJ
ajfti-5168	91	6	advantage	advantage	NOUN
ajfti-5168	91	7	in	in	ADP
ajfti-5168	91	8	fraud	fraud	NOUN
ajfti-5168	91	9	detection	detection	NOUN
ajfti-5168	91	10	is	be	AUX
ajfti-5168	91	11	its	its	PRON
ajfti-5168	91	12	capacity	capacity	NOUN
ajfti-5168	91	13	to	to	PART
ajfti-5168	91	14	handle	handle	VERB
ajfti-5168	91	15	,	,	PUNCT
ajfti-5168	91	16	or	or	CCONJ
ajfti-5168	91	17	“	"	PUNCT
ajfti-5168	91	18	scale	scale	VERB
ajfti-5168	91	19	up	up	ADP
ajfti-5168	91	20	”	"	PUNCT
ajfti-5168	91	21	,	,	PUNCT
ajfti-5168	91	22	large	large	ADJ
ajfti-5168	91	23	datasets	dataset	NOUN
ajfti-5168	91	24	and	and	CCONJ
ajfti-5168	91	25	find	find	VERB
ajfti-5168	91	26	patterns	pattern	NOUN
ajfti-5168	91	27	within	within	ADP
ajfti-5168	91	28	them	they	PRON
ajfti-5168	91	29	(	(	PUNCT
ajfti-5168	91	30	adeyeri	adeyeri	PROPN
ajfti-5168	91	31	,	,	PUNCT
ajfti-5168	91	32	2024	2024	NUM
ajfti-5168	91	33	)	)	PUNCT
ajfti-5168	91	34	.	.	PUNCT
ajfti-5168	92	1	by	by	ADP
ajfti-5168	92	2	detecting	detect	VERB
ajfti-5168	92	3	both	both	PRON
ajfti-5168	92	4	established	establish	VERB
ajfti-5168	92	5	as	as	ADV
ajfti-5168	92	6	well	well	ADV
ajfti-5168	92	7	as	as	ADP
ajfti-5168	92	8	new	new	ADJ
ajfti-5168	92	9	patterns	pattern	NOUN
ajfti-5168	92	10	of	of	ADP
ajfti-5168	92	11	fraud	fraud	NOUN
ajfti-5168	92	12	,	,	PUNCT
ajfti-5168	92	13	these	these	DET
ajfti-5168	92	14	algorithms	algorithm	NOUN
ajfti-5168	92	15	can	can	AUX
ajfti-5168	92	16	aid	aid	VERB
ajfti-5168	92	17	in	in	ADP
ajfti-5168	92	18	the	the	DET
ajfti-5168	92	19	prevention	prevention	NOUN
ajfti-5168	92	20	of	of	ADP
ajfti-5168	92	21	fraud	fraud	NOUN
ajfti-5168	92	22	before	before	SCONJ
ajfti-5168	92	23	it	it	PRON
ajfti-5168	92	24	occurs	occur	VERB
ajfti-5168	92	25	.	.	PUNCT
ajfti-5168	93	1	ai	ai	VERB
ajfti-5168	93	2	technologies	technology	NOUN
ajfti-5168	93	3	can	can	AUX
ajfti-5168	93	4	identify	identify	VERB
ajfti-5168	93	5	patterns	pattern	NOUN
ajfti-5168	93	6	of	of	ADP
ajfti-5168	93	7	anomalies	anomaly	NOUN
ajfti-5168	93	8	that	that	PRON
ajfti-5168	93	9	would	would	AUX
ajfti-5168	93	10	be	be	AUX
ajfti-5168	93	11	hard	hard	ADJ
ajfti-5168	93	12	to	to	PART
ajfti-5168	93	13	catch	catch	VERB
ajfti-5168	93	14	by	by	ADP
ajfti-5168	93	15	human	human	ADJ
ajfti-5168	93	16	analysts	analyst	NOUN
ajfti-5168	93	17	or	or	CCONJ
ajfti-5168	93	18	static	static	ADJ
ajfti-5168	93	19	rules	rule	NOUN
ajfti-5168	93	20	-	-	PUNCT
ajfti-5168	93	21	based	base	VERB
ajfti-5168	93	22	systems	system	NOUN
ajfti-5168	93	23	.	.	PUNCT
ajfti-5168	94	1	rather	rather	ADV
ajfti-5168	94	2	,	,	PUNCT
ajfti-5168	94	3	through	through	ADP
ajfti-5168	94	4	their	their	PRON
ajfti-5168	94	5	ability	ability	NOUN
ajfti-5168	94	6	to	to	PART
ajfti-5168	94	7	use	use	VERB
ajfti-5168	94	8	historical	historical	ADJ
ajfti-5168	94	9	data	datum	NOUN
ajfti-5168	94	10	and	and	CCONJ
ajfti-5168	94	11	becoming	become	VERB
ajfti-5168	94	12	better	well	ADJ
ajfti-5168	94	13	at	at	ADP
ajfti-5168	94	14	predicting	predict	VERB
ajfti-5168	94	15	fraud	fraud	NOUN
ajfti-5168	94	16	over	over	ADP
ajfti-5168	94	17	time	time	NOUN
ajfti-5168	94	18	,	,	PUNCT
ajfti-5168	94	19	ai	ai	VERB
ajfti-5168	94	20	and	and	CCONJ
ajfti-5168	94	21	ml	ml	VERB
ajfti-5168	94	22	“	"	PUNCT
ajfti-5168	94	23	empower	empower	VERB
ajfti-5168	94	24	banks	bank	NOUN
ajfti-5168	94	25	to	to	PART
ajfti-5168	94	26	detect	detect	VERB
ajfti-5168	94	27	new	new	ADJ
ajfti-5168	94	28	forms	form	NOUN
ajfti-5168	94	29	of	of	ADP
ajfti-5168	94	30	fraud	fraud	NOUN
ajfti-5168	94	31	even	even	ADV
ajfti-5168	94	32	before	before	SCONJ
ajfti-5168	94	33	they	they	PRON
ajfti-5168	94	34	happen	happen	VERB
ajfti-5168	94	35	”	"	PUNCT
ajfti-5168	94	36	(	(	PUNCT
ajfti-5168	94	37	odufisan	odufisan	ADJ
ajfti-5168	94	38	,	,	PUNCT
ajfti-5168	94	39	2025	2025	NUM
ajfti-5168	94	40	)	)	PUNCT
ajfti-5168	94	41	.	.	PUNCT
ajfti-5168	95	1	as	as	SCONJ
ajfti-5168	95	2	the	the	DET
ajfti-5168	95	3	advancement	advancement	NOUN
ajfti-5168	95	4	of	of	ADP
ajfti-5168	95	5	fraud	fraud	NOUN
ajfti-5168	95	6	schemes	scheme	NOUN
ajfti-5168	95	7	have	have	AUX
ajfti-5168	95	8	also	also	ADV
ajfti-5168	95	9	advanced	advanced	ADJ
ajfti-5168	95	10	detection	detection	NOUN
ajfti-5168	95	11	methods	method	NOUN
ajfti-5168	95	12	are	be	AUX
ajfti-5168	95	13	becoming	become	VERB
ajfti-5168	95	14	obsolete	obsolete	ADJ
ajfti-5168	95	15	.	.	PUNCT
ajfti-5168	96	1	this	this	DET
ajfti-5168	96	2	ability	ability	NOUN
ajfti-5168	96	3	to	to	PART
ajfti-5168	96	4	scale	scale	VERB
ajfti-5168	96	5	and	and	CCONJ
ajfti-5168	96	6	adapt	adapt	VERB
ajfti-5168	96	7	fraud	fraud	NOUN
ajfti-5168	96	8	is	be	AUX
ajfti-5168	96	9	an	an	DET
ajfti-5168	96	10	important	important	ADJ
ajfti-5168	96	11	characteristic	characteristic	NOUN
ajfti-5168	96	12	of	of	ADP
ajfti-5168	96	13	ai	ai	NOUN
ajfti-5168	96	14	and	and	CCONJ
ajfti-5168	96	15	ml	ml	NOUN
ajfti-5168	96	16	models	model	NOUN
ajfti-5168	96	17	.	.	PUNCT
ajfti-5168	97	1	overall	overall	ADV
ajfti-5168	97	2	,	,	PUNCT
ajfti-5168	97	3	these	these	DET
ajfti-5168	97	4	technologies	technology	NOUN
ajfti-5168	97	5	help	help	VERB
ajfti-5168	97	6	banks	bank	NOUN
ajfti-5168	97	7	not	not	PART
ajfti-5168	97	8	only	only	ADV
ajfti-5168	97	9	to	to	PART
ajfti-5168	97	10	identify	identify	VERB
ajfti-5168	97	11	fraud	fraud	NOUN
ajfti-5168	97	12	as	as	SCONJ
ajfti-5168	97	13	it	it	PRON
ajfti-5168	97	14	is	be	AUX
ajfti-5168	97	15	happening	happen	VERB
ajfti-5168	97	16	but	but	CCONJ
ajfti-5168	97	17	also	also	ADV
ajfti-5168	97	18	to	to	PART
ajfti-5168	97	19	anticipate	anticipate	VERB
ajfti-5168	97	20	and	and	CCONJ
ajfti-5168	97	21	stop	stop	VERB
ajfti-5168	97	22	fraud	fraud	NOUN
ajfti-5168	97	23	before	before	SCONJ
ajfti-5168	97	24	it	it	PRON
ajfti-5168	97	25	occurs	occur	VERB
ajfti-5168	97	26	,	,	PUNCT
ajfti-5168	97	27	increasing	increase	VERB
ajfti-5168	97	28	the	the	DET
ajfti-5168	97	29	security	security	NOUN
ajfti-5168	97	30	of	of	ADP
ajfti-5168	97	31	the	the	DET
ajfti-5168	97	32	digital	digital	ADJ
ajfti-5168	97	33	banking	banking	NOUN
ajfti-5168	97	34	experience	experience	NOUN
ajfti-5168	97	35	.	.	PUNCT
ajfti-5168	98	1	common	common	ADJ
ajfti-5168	98	2	ml	ml	NOUN
ajfti-5168	98	3	techniques	technique	NOUN
ajfti-5168	98	4	supervised	supervise	VERB
ajfti-5168	98	5	learning	learn	VERB
ajfti-5168	98	6	afriyie	afriyie	ADV
ajfti-5168	98	7	et	et	PROPN
ajfti-5168	98	8	al	al	PROPN
ajfti-5168	98	9	.	.	PROPN
ajfti-5168	98	10	,	,	PUNCT
ajfti-5168	98	11	2023	2023	NUM
ajfti-5168	98	12	highlights	highlight	NOUN
ajfti-5168	98	13	that	that	PRON
ajfti-5168	98	14	supervised	supervise	VERB
ajfti-5168	98	15	learning	learning	NOUN
ajfti-5168	98	16	is	be	AUX
ajfti-5168	98	17	one	one	NUM
ajfti-5168	98	18	of	of	ADP
ajfti-5168	98	19	the	the	DET
ajfti-5168	98	20	most	most	ADV
ajfti-5168	98	21	commonly	commonly	ADV
ajfti-5168	98	22	employed	employ	VERB
ajfti-5168	98	23	methods	method	NOUN
ajfti-5168	98	24	in	in	ADP
ajfti-5168	98	25	machine	machine	NOUN
ajfti-5168	98	26	learning	learn	VERB
ajfti-5168	98	27	to	to	PART
ajfti-5168	98	28	detect	detect	VERB
ajfti-5168	98	29	fraud	fraud	NOUN
ajfti-5168	98	30	.	.	PUNCT
ajfti-5168	99	1	this	this	PRON
ajfti-5168	99	2	includes	include	VERB
ajfti-5168	99	3	training	train	VERB
ajfti-5168	99	4	a	a	DET
ajfti-5168	99	5	model	model	NOUN
ajfti-5168	99	6	on	on	ADP
ajfti-5168	99	7	a	a	DET
ajfti-5168	99	8	labelled	label	VERB
ajfti-5168	99	9	dataset	dataset	NOUN
ajfti-5168	99	10	in	in	ADP
ajfti-5168	99	11	which	which	PRON
ajfti-5168	99	12	there	there	PRON
ajfti-5168	99	13	is	be	VERB
ajfti-5168	99	14	knowledge	knowledge	NOUN
ajfti-5168	99	15	of	of	ADP
ajfti-5168	99	16	the	the	DET
ajfti-5168	99	17	outcome	outcome	NOUN
ajfti-5168	99	18	of	of	ADP
ajfti-5168	99	19	each	each	DET
ajfti-5168	99	20	transaction	transaction	NOUN
ajfti-5168	99	21	whether	whether	SCONJ
ajfti-5168	99	22	it	it	PRON
ajfti-5168	99	23	was	be	AUX
ajfti-5168	99	24	fraudulent	fraudulent	ADJ
ajfti-5168	99	25	or	or	CCONJ
ajfti-5168	99	26	legitimate	legitimate	ADJ
ajfti-5168	99	27	.	.	PUNCT
ajfti-5168	100	1	the	the	DET
ajfti-5168	100	2	model	model	NOUN
ajfti-5168	100	3	then	then	ADV
ajfti-5168	100	4	“	"	PUNCT
ajfti-5168	100	5	learns	learn	NOUN
ajfti-5168	100	6	”	"	PUNCT
ajfti-5168	100	7	to	to	PART
ajfti-5168	100	8	correlate	correlate	VERB
ajfti-5168	100	9	patterns	pattern	NOUN
ajfti-5168	100	10	or	or	CCONJ
ajfti-5168	100	11	groupings	grouping	NOUN
ajfti-5168	100	12	of	of	ADP
ajfti-5168	100	13	input	input	NOUN
ajfti-5168	100	14	features	feature	NOUN
ajfti-5168	100	15	,	,	PUNCT
ajfti-5168	100	16	transaction	transaction	NOUN
ajfti-5168	100	17	amount	amount	NOUN
ajfti-5168	100	18	,	,	PUNCT
ajfti-5168	100	19	time	time	NOUN
ajfti-5168	100	20	,	,	PUNCT
ajfti-5168	100	21	location	location	NOUN
ajfti-5168	100	22	,	,	PUNCT
ajfti-5168	100	23	etc	etc	X
ajfti-5168	100	24	.	.	X
ajfti-5168	100	25	with	with	ADP
ajfti-5168	100	26	the	the	DET
ajfti-5168	100	27	target	target	NOUN
ajfti-5168	100	28	outcome	outcome	NOUN
ajfti-5168	100	29	fraud	fraud	NOUN
ajfti-5168	100	30	versus	versus	ADP
ajfti-5168	100	31	non	non	ADJ
ajfti-5168	100	32	-	-	NOUN
ajfti-5168	100	33	fraud	fraud	NOUN
ajfti-5168	100	34	.	.	PUNCT
ajfti-5168	101	1	fraud	fraud	NOUN
ajfti-5168	101	2	detection	detection	NOUN
ajfti-5168	101	3	often	often	ADV
ajfti-5168	101	4	employs	employ	VERB
ajfti-5168	101	5	“	"	PUNCT
ajfti-5168	101	6	decision	decision	NOUN
ajfti-5168	101	7	trees	tree	NOUN
ajfti-5168	101	8	”	"	PUNCT
ajfti-5168	101	9	and	and	CCONJ
ajfti-5168	101	10	“	"	PUNCT
ajfti-5168	101	11	random	random	ADJ
ajfti-5168	101	12	forests	forest	NOUN
ajfti-5168	101	13	”	"	PUNCT
ajfti-5168	101	14	which	which	PRON
ajfti-5168	101	15	are	be	AUX
ajfti-5168	101	16	common	common	ADJ
ajfti-5168	101	17	fraud	fraud	NOUN
ajfti-5168	101	18	detection	detection	NOUN
ajfti-5168	101	19	supervised	supervise	VERB
ajfti-5168	101	20	learning	learn	VERB
ajfti-5168	101	21	algorithms	algorithm	NOUN
ajfti-5168	101	22	(	(	PUNCT
ajfti-5168	101	23	salunke	salunke	VERB
ajfti-5168	101	24	et	et	PROPN
ajfti-5168	101	25	al	al	PROPN
ajfti-5168	101	26	.	.	PROPN
ajfti-5168	101	27	,	,	PUNCT
ajfti-5168	101	28	2025	2025	NUM
ajfti-5168	101	29	)	)	PUNCT
ajfti-5168	101	30	.	.	PUNCT
ajfti-5168	102	1	it	it	PRON
ajfti-5168	102	2	forms	form	VERB
ajfti-5168	102	3	a	a	DET
ajfti-5168	102	4	model	model	NOUN
ajfti-5168	102	5	shaped	shape	VERB
ajfti-5168	102	6	like	like	ADP
ajfti-5168	102	7	a	a	DET
ajfti-5168	102	8	tree	tree	NOUN
ajfti-5168	102	9	by	by	ADP
ajfti-5168	102	10	repeatedly	repeatedly	ADV
ajfti-5168	102	11	partitioning	partition	VERB
ajfti-5168	102	12	the	the	DET
ajfti-5168	102	13	data	datum	NOUN
ajfti-5168	102	14	based	base	VERB
ajfti-5168	102	15	on	on	ADP
ajfti-5168	102	16	values	value	NOUN
ajfti-5168	102	17	of	of	ADP
ajfti-5168	102	18	the	the	DET
ajfti-5168	102	19	features	feature	NOUN
ajfti-5168	102	20	.	.	PUNCT
ajfti-5168	103	1	the	the	DET
ajfti-5168	103	2	nodes	node	NOUN
ajfti-5168	103	3	are	be	AUX
ajfti-5168	103	4	points	point	NOUN
ajfti-5168	103	5	at	at	ADP
ajfti-5168	103	6	which	which	PRON
ajfti-5168	103	7	a	a	DET
ajfti-5168	103	8	decision	decision	NOUN
ajfti-5168	103	9	is	be	AUX
ajfti-5168	103	10	made	make	VERB
ajfti-5168	103	11	on	on	ADP
ajfti-5168	103	12	a	a	DET
ajfti-5168	103	13	given	give	VERB
ajfti-5168	103	14	feature	feature	NOUN
ajfti-5168	103	15	and	and	CCONJ
ajfti-5168	103	16	the	the	DET
ajfti-5168	103	17	leaves	leave	NOUN
ajfti-5168	103	18	are	be	AUX
ajfti-5168	103	19	the	the	DET
ajfti-5168	103	20	predicted	predict	VERB
ajfti-5168	103	21	classification	classification	NOUN
ajfti-5168	103	22	as	as	ADP
ajfti-5168	103	23	either	either	CCONJ
ajfti-5168	103	24	fraud	fraud	NOUN
ajfti-5168	103	25	or	or	CCONJ
ajfti-5168	103	26	non	non	ADJ
ajfti-5168	103	27	-	-	NOUN
ajfti-5168	103	28	fraud	fraud	ADJ
ajfti-5168	103	29	(	(	PUNCT
ajfti-5168	103	30	adeyeri	adeyeri	ADJ
ajfti-5168	103	31	,	,	PUNCT
ajfti-5168	103	32	2024	2024	NUM
ajfti-5168	103	33	;	;	PUNCT
ajfti-5168	103	34	afriyie	afriyie	ADV
ajfti-5168	103	35	et	et	PROPN
ajfti-5168	103	36	al	al	PROPN
ajfti-5168	103	37	.	.	PROPN
ajfti-5168	103	38	,	,	PUNCT
ajfti-5168	103	39	2023	2023	NUM
ajfti-5168	103	40	;	;	PUNCT
ajfti-5168	103	41	johora	johora	PROPN
ajfti-5168	103	42	,	,	PUNCT
ajfti-5168	103	43	2024	2024	NUM
ajfti-5168	103	44	)	)	PUNCT
ajfti-5168	103	45	.	.	PUNCT
ajfti-5168	104	1	random	random	ADJ
ajfti-5168	104	2	forests	forest	NOUN
ajfti-5168	104	3	are	be	AUX
ajfti-5168	104	4	collections	collection	NOUN
ajfti-5168	104	5	of	of	ADP
ajfti-5168	104	6	decision	decision	NOUN
ajfti-5168	104	7	trees	tree	NOUN
ajfti-5168	104	8	.	.	PUNCT
ajfti-5168	105	1	they	they	PRON
ajfti-5168	105	2	aggregate	aggregate	VERB
ajfti-5168	105	3	multiple	multiple	ADJ
ajfti-5168	105	4	decision	decision	NOUN
ajfti-5168	105	5	trees	tree	NOUN
ajfti-5168	105	6	to	to	PART
ajfti-5168	105	7	increase	increase	VERB
ajfti-5168	105	8	accuracy	accuracy	NOUN
ajfti-5168	105	9	and	and	CCONJ
ajfti-5168	105	10	overfitting	overfitting	NOUN
ajfti-5168	105	11	,	,	PUNCT
ajfti-5168	105	12	which	which	PRON
ajfti-5168	105	13	is	be	AUX
ajfti-5168	105	14	a	a	DET
ajfti-5168	105	15	flaw	flaw	NOUN
ajfti-5168	105	16	of	of	ADP
ajfti-5168	105	17	decision	decision	NOUN
ajfti-5168	105	18	trees	tree	NOUN
ajfti-5168	105	19	.	.	PUNCT
ajfti-5168	106	1	since	since	SCONJ
ajfti-5168	106	2	it	it	PRON
ajfti-5168	106	3	combines	combine	VERB
ajfti-5168	106	4	predictions	prediction	NOUN
ajfti-5168	106	5	from	from	ADP
ajfti-5168	106	6	multiple	multiple	ADJ
ajfti-5168	106	7	trees	tree	NOUN
ajfti-5168	106	8	,	,	PUNCT
ajfti-5168	106	9	random	random	ADJ
ajfti-5168	106	10	forests	forest	NOUN
ajfti-5168	106	11	are	be	AUX
ajfti-5168	106	12	efficient	efficient	ADJ
ajfti-5168	106	13	tools	tool	NOUN
ajfti-5168	106	14	,	,	PUNCT
ajfti-5168	106	15	especially	especially	ADV
ajfti-5168	106	16	when	when	SCONJ
ajfti-5168	106	17	dealing	deal	VERB
ajfti-5168	106	18	with	with	ADP
ajfti-5168	106	19	large	large	ADJ
ajfti-5168	106	20	and	and	CCONJ
ajfti-5168	106	21	feature	feature	NOUN
ajfti-5168	106	22	-	-	PUNCT
ajfti-5168	106	23	rich	rich	ADJ
ajfti-5168	106	24	data	datum	NOUN
ajfti-5168	106	25	(	(	PUNCT
ajfti-5168	106	26	ismaeil	ismaeil	NOUN
ajfti-5168	106	27	,	,	PUNCT
ajfti-5168	106	28	2024	2024	NUM
ajfti-5168	106	29	)	)	PUNCT
ajfti-5168	106	30	.	.	PUNCT
ajfti-5168	107	1	li	li	PROPN
ajfti-5168	107	2	et	et	PROPN
ajfti-5168	107	3	al	al	PROPN
ajfti-5168	107	4	.	.	PROPN
ajfti-5168	107	5	(	(	PUNCT
ajfti-5168	107	6	2020	2020	NUM
ajfti-5168	107	7	)	)	PUNCT
ajfti-5168	107	8	on	on	ADP
ajfti-5168	107	9	top	top	NOUN
ajfti-5168	107	10	of	of	ADP
ajfti-5168	107	11	that	that	PRON
ajfti-5168	107	12	offered	offer	VERB
ajfti-5168	107	13	,	,	PUNCT
ajfti-5168	107	14	as	as	ADP
ajfti-5168	107	15	an	an	DET
ajfti-5168	107	16	example	example	NOUN
ajfti-5168	107	17	,	,	PUNCT
ajfti-5168	107	18	logistic	logistic	ADJ
ajfti-5168	107	19	regression	regression	NOUN
ajfti-5168	107	20	,	,	PUNCT
ajfti-5168	107	21	decision	decision	NOUN
ajfti-5168	107	22	trees	tree	NOUN
ajfti-5168	107	23	and	and	CCONJ
ajfti-5168	107	24	neural	neural	ADJ
ajfti-5168	107	25	networks	network	NOUN
ajfti-5168	107	26	;	;	PUNCT
ajfti-5168	107	27	who	who	PRON
ajfti-5168	107	28	studied	study	VERB
ajfti-5168	107	29	the	the	DET
ajfti-5168	107	30	efficiency	efficiency	NOUN
ajfti-5168	107	31	of	of	ADP
ajfti-5168	107	32	different	different	ADJ
ajfti-5168	107	33	machine	machine	NOUN
ajfti-5168	107	34	learning	learn	VERB
ajfti-5168	107	35	methodologies	methodology	NOUN
ajfti-5168	107	36	,	,	PUNCT
ajfti-5168	107	37	including	include	VERB
ajfti-5168	107	38	logistic	logistic	ADJ
ajfti-5168	107	39	regression	regression	NOUN
ajfti-5168	107	40	,	,	PUNCT
ajfti-5168	107	41	decision	decision	NOUN
ajfti-5168	107	42	trees	tree	NOUN
ajfti-5168	107	43	and	and	CCONJ
ajfti-5168	107	44	neural	neural	ADJ
ajfti-5168	107	45	networks	network	NOUN
ajfti-5168	107	46	,	,	PUNCT
ajfti-5168	107	47	in	in	ADP
ajfti-5168	107	48	detecting	detect	VERB
ajfti-5168	107	49	credit	credit	NOUN
ajfti-5168	107	50	card	card	NOUN
ajfti-5168	107	51	fraud	fraud	NOUN
ajfti-5168	107	52	.	.	PUNCT
ajfti-5168	108	1	with	with	ADP
ajfti-5168	108	2	regard	regard	NOUN
ajfti-5168	108	3	to	to	ADP
ajfti-5168	108	4	accuracy	accuracy	NOUN
ajfti-5168	108	5	and	and	CCONJ
ajfti-5168	108	6	detection	detection	NOUN
ajfti-5168	108	7	rate	rate	NOUN
ajfti-5168	108	8	,	,	PUNCT
ajfti-5168	108	9	the	the	DET
ajfti-5168	108	10	research	research	NOUN
ajfti-5168	108	11	found	find	VERB
ajfti-5168	108	12	that	that	SCONJ
ajfti-5168	108	13	ensemble	ensemble	ADJ
ajfti-5168	108	14	methods	method	NOUN
ajfti-5168	108	15	,	,	PUNCT
ajfti-5168	108	16	such	such	ADJ
ajfti-5168	108	17	as	as	ADP
ajfti-5168	108	18	random	random	ADJ
ajfti-5168	108	19	forests	forest	NOUN
ajfti-5168	108	20	and	and	CCONJ
ajfti-5168	108	21	gradient	gradient	NOUN
ajfti-5168	108	22	boosting	boosting	NOUN
ajfti-5168	108	23	,	,	PUNCT
ajfti-5168	108	24	outperformed	outperform	VERB
ajfti-5168	108	25	single	single	ADJ
ajfti-5168	108	26	algorithms	algorithm	NOUN
ajfti-5168	108	27	.	.	PUNCT
ajfti-5168	109	1	logistic	logistic	ADJ
ajfti-5168	109	2	regression	regression	NOUN
ajfti-5168	109	3	is	be	AUX
ajfti-5168	109	4	a	a	DET
ajfti-5168	109	5	well	well	ADV
ajfti-5168	109	6	-	-	PUNCT
ajfti-5168	109	7	known	know	VERB
ajfti-5168	109	8	algorithm	algorithm	NOUN
ajfti-5168	109	9	that	that	PRON
ajfti-5168	109	10	applies	apply	VERB
ajfti-5168	109	11	to	to	ADP
ajfti-5168	109	12	supervised	supervised	ADJ
ajfti-5168	109	13	learning	learning	NOUN
ajfti-5168	109	14	approaches	approach	NOUN
ajfti-5168	109	15	for	for	ADP
ajfti-5168	109	16	the	the	DET
ajfti-5168	109	17	detection	detection	NOUN
ajfti-5168	109	18	of	of	ADP
ajfti-5168	109	19	fraud	fraud	NOUN
ajfti-5168	109	20	(	(	PUNCT
ajfti-5168	109	21	adeyeri	adeyeri	ADJ
ajfti-5168	109	22	,	,	PUNCT
ajfti-5168	109	23	2024	2024	NUM
ajfti-5168	109	24	)	)	PUNCT
ajfti-5168	109	25	.	.	PUNCT
ajfti-5168	110	1	specifically	specifically	ADV
ajfti-5168	110	2	,	,	PUNCT
ajfti-5168	110	3	“	"	PUNCT
ajfti-5168	110	4	it	it	PRON
ajfti-5168	110	5	is	be	AUX
ajfti-5168	110	6	a	a	DET
ajfti-5168	110	7	statistical	statistical	ADJ
ajfti-5168	110	8	method	method	NOUN
ajfti-5168	110	9	that	that	SCONJ
ajfti-5168	110	10	“	"	PUNCT
ajfti-5168	110	11	models	model	VERB
ajfti-5168	110	12	the	the	DET
ajfti-5168	110	13	probability	probability	NOUN
ajfti-5168	110	14	of	of	ADP
ajfti-5168	110	15	a	a	DET
ajfti-5168	110	16	binary	binary	ADJ
ajfti-5168	110	17	dependent	dependent	ADJ
ajfti-5168	110	18	variable	variable	NOUN
ajfti-5168	110	19	,	,	PUNCT
ajfti-5168	110	20	for	for	ADP
ajfti-5168	110	21	example	example	NOUN
ajfti-5168	110	22	,	,	PUNCT
ajfti-5168	110	23	presence	presence	NOUN
ajfti-5168	110	24	versus	versus	ADP
ajfti-5168	110	25	absence	absence	NOUN
ajfti-5168	110	26	or	or	CCONJ
ajfti-5168	110	27	fraud	fraud	NOUN
ajfti-5168	110	28	versus	versus	ADP
ajfti-5168	110	29	no	no	DET
ajfti-5168	110	30	fraud	fraud	NOUN
ajfti-5168	110	31	,	,	PUNCT
ajfti-5168	110	32	as	as	ADP
ajfti-5168	110	33	a	a	DET
ajfti-5168	110	34	function	function	NOUN
ajfti-5168	110	35	of	of	ADP
ajfti-5168	110	36	one	one	NUM
ajfti-5168	110	37	or	or	CCONJ
ajfti-5168	110	38	more	more	ADV
ajfti-5168	110	39	independent	independent	ADJ
ajfti-5168	110	40	variables	variable	NOUN
ajfti-5168	110	41	”	"	PUNCT
ajfti-5168	110	42	.	.	PUNCT
ajfti-5168	111	1	logistic	logistic	ADJ
ajfti-5168	111	2	regression	regression	NOUN
ajfti-5168	111	3	can	can	AUX
ajfti-5168	111	4	also	also	ADV
ajfti-5168	111	5	be	be	AUX
ajfti-5168	111	6	an	an	DET
ajfti-5168	111	7	efficient	efficient	ADJ
ajfti-5168	111	8	and	and	CCONJ
ajfti-5168	111	9	interpretable	interpretable	ADJ
ajfti-5168	111	10	approach	approach	NOUN
ajfti-5168	111	11	when	when	SCONJ
ajfti-5168	111	12	there	there	PRON
ajfti-5168	111	13	is	be	VERB
ajfti-5168	111	14	a	a	DET
ajfti-5168	111	15	linear	linear	ADJ
ajfti-5168	111	16	relationship	relationship	NOUN
ajfti-5168	111	17	between	between	ADP
ajfti-5168	111	18	the	the	DET
ajfti-5168	111	19	features	feature	NOUN
ajfti-5168	111	20	and	and	CCONJ
ajfti-5168	111	21	the	the	DET
ajfti-5168	111	22	outcome	outcome	NOUN
ajfti-5168	111	23	.	.	PUNCT
ajfti-5168	112	1	it	it	PRON
ajfti-5168	112	2	is	be	AUX
ajfti-5168	112	3	also	also	ADV
ajfti-5168	112	4	useful	useful	ADJ
ajfti-5168	112	5	in	in	ADP
ajfti-5168	112	6	interpreting	interpret	VERB
ajfti-5168	112	7	the	the	DET
ajfti-5168	112	8	importance	importance	NOUN
ajfti-5168	112	9	of	of	ADP
ajfti-5168	112	10	various	various	ADJ
ajfti-5168	112	11	features	feature	NOUN
ajfti-5168	112	12	in	in	ADP
ajfti-5168	112	13	the	the	DET
ajfti-5168	112	14	prediction	prediction	NOUN
ajfti-5168	112	15	of	of	ADP
ajfti-5168	112	16	fraudulent	fraudulent	ADJ
ajfti-5168	112	17	transactions	transaction	NOUN
ajfti-5168	112	18	(	(	PUNCT
ajfti-5168	112	19	venigandla	venigandla	NOUN
ajfti-5168	112	20	&	&	CCONJ
ajfti-5168	112	21	vemuri	vemuri	PROPN
ajfti-5168	112	22	,	,	PUNCT
ajfti-5168	112	23	2022	2022	NUM
ajfti-5168	112	24	)	)	PUNCT
ajfti-5168	112	25	.	.	PUNCT
ajfti-5168	113	1	unsupervised	unsupervised	ADJ
ajfti-5168	113	2	learning	learning	NOUN
ajfti-5168	113	3	this	this	PRON
ajfti-5168	113	4	is	be	AUX
ajfti-5168	113	5	particularly	particularly	ADV
ajfti-5168	113	6	relevant	relevant	ADJ
ajfti-5168	113	7	in	in	ADP
ajfti-5168	113	8	the	the	DET
ajfti-5168	113	9	context	context	NOUN
ajfti-5168	113	10	of	of	ADP
ajfti-5168	113	11	fraud	fraud	NOUN
ajfti-5168	113	12	detection	detection	NOUN
ajfti-5168	113	13	in	in	ADP
ajfti-5168	113	14	which	which	PRON
ajfti-5168	113	15	obtaining	obtain	VERB
ajfti-5168	113	16	label	label	NOUN
ajfti-5168	113	17	data	datum	NOUN
ajfti-5168	113	18	is	be	AUX
ajfti-5168	113	19	often	often	ADV
ajfti-5168	113	20	hard	hard	ADJ
ajfti-5168	113	21	but	but	CCONJ
ajfti-5168	113	22	worse	bad	ADJ
ajfti-5168	113	23	still	still	ADV
ajfti-5168	113	24	it	it	PRON
ajfti-5168	113	25	is	be	AUX
ajfti-5168	113	26	impossible	impossible	ADJ
ajfti-5168	113	27	to	to	PART
ajfti-5168	113	28	obtain	obtain	VERB
ajfti-5168	113	29	.	.	PUNCT
ajfti-5168	114	1	on	on	ADP
ajfti-5168	114	2	the	the	DET
ajfti-5168	114	3	other	other	ADJ
ajfti-5168	114	4	hand	hand	NOUN
ajfti-5168	114	5	,	,	PUNCT
ajfti-5168	114	6	supervised	supervised	ADJ
ajfti-5168	114	7	learning	learning	NOUN
ajfti-5168	114	8	does	do	AUX
ajfti-5168	114	9	not	not	PART
ajfti-5168	114	10	require	require	VERB
ajfti-5168	114	11	labelled	label	VERB
ajfti-5168	114	12	data	datum	NOUN
ajfti-5168	114	13	to	to	PART
ajfti-5168	114	14	train	train	VERB
ajfti-5168	114	15	the	the	DET
ajfti-5168	114	16	model	model	NOUN
ajfti-5168	114	17	.	.	PUNCT
ajfti-5168	115	1	instead	instead	ADV
ajfti-5168	115	2	,	,	PUNCT
ajfti-5168	115	3	it	it	PRON
ajfti-5168	115	4	seeks	seek	VERB
ajfti-5168	115	5	patterns	pattern	NOUN
ajfti-5168	115	6	and	and	CCONJ
ajfti-5168	115	7	outliers	outlier	NOUN
ajfti-5168	115	8	in	in	ADP
ajfti-5168	115	9	the	the	DET
ajfti-5168	115	10	data	datum	NOUN
ajfti-5168	115	11	that	that	PRON
ajfti-5168	115	12	do	do	AUX
ajfti-5168	115	13	not	not	PART
ajfti-5168	115	14	adhere	adhere	VERB
ajfti-5168	115	15	to	to	ADP
ajfti-5168	115	16	normality	normality	NOUN
ajfti-5168	115	17	(	(	PUNCT
ajfti-5168	115	18	khodabandehlou	khodabandehlou	PROPN
ajfti-5168	115	19	et	et	PROPN
ajfti-5168	115	20	al	al	PROPN
ajfti-5168	115	21	.	.	PROPN
ajfti-5168	115	22	,	,	PUNCT
ajfti-5168	115	23	2023	2023	NUM
ajfti-5168	115	24	)	)	PUNCT
ajfti-5168	115	25	.	.	PUNCT
ajfti-5168	116	1	k	k	X
ajfti-5168	116	2	-	-	PUNCT
ajfti-5168	116	3	means	mean	NOUN
ajfti-5168	116	4	and	and	CCONJ
ajfti-5168	116	5	more	more	ADV
ajfti-5168	116	6	generally	generally	ADV
ajfti-5168	116	7	“	"	PUNCT
ajfti-5168	116	8	clustering	clustering	ADJ
ajfti-5168	116	9	methods	method	NOUN
ajfti-5168	116	10	”	"	PUNCT
ajfti-5168	116	11	are	be	AUX
ajfti-5168	116	12	frequently	frequently	ADV
ajfti-5168	116	13	included	include	VERB
ajfti-5168	116	14	among	among	ADP
ajfti-5168	116	15	the	the	DET
ajfti-5168	116	16	techniques	technique	NOUN
ajfti-5168	116	17	used	use	VERB
ajfti-5168	116	18	for	for	ADP
ajfti-5168	116	19	unsupervised	unsupervised	ADJ
ajfti-5168	116	20	learning	learning	NOUN
ajfti-5168	116	21	within	within	ADP
ajfti-5168	116	22	the	the	DET
ajfti-5168	116	23	specific	specific	ADJ
ajfti-5168	116	24	domain	domain	NOUN
ajfti-5168	116	25	of	of	ADP
ajfti-5168	116	26	fraud	fraud	NOUN
ajfti-5168	116	27	detection	detection	NOUN
ajfti-5168	116	28	(	(	PUNCT
ajfti-5168	116	29	huang	huang	PROPN
ajfti-5168	116	30	et	et	PROPN
ajfti-5168	116	31	al	al	PROPN
ajfti-5168	116	32	.	.	PROPN
ajfti-5168	116	33	,	,	PUNCT
ajfti-5168	116	34	2024	2024	NUM
ajfti-5168	116	35	)	)	PUNCT
ajfti-5168	116	36	.	.	PUNCT
ajfti-5168	117	1	clustering	cluster	VERB
ajfti-5168	117	2	categorizes	categorize	VERB
ajfti-5168	117	3	similar	similar	ADJ
ajfti-5168	117	4	data	datum	NOUN
ajfti-5168	117	5	points	point	NOUN
ajfti-5168	117	6	based	base	VERB
ajfti-5168	117	7	on	on	ADP
ajfti-5168	117	8	characteristics	characteristic	NOUN
ajfti-5168	117	9	.	.	PUNCT
ajfti-5168	118	1	for	for	ADP
ajfti-5168	118	2	example	example	NOUN
ajfti-5168	118	3	,	,	PUNCT
ajfti-5168	118	4	k	k	X
ajfti-5168	118	5	-	-	PUNCT
ajfti-5168	118	6	means	mean	VERB
ajfti-5168	118	7	partitions	partition	VERB
ajfti-5168	118	8	the	the	DET
ajfti-5168	118	9	data	datum	NOUN
ajfti-5168	118	10	into	into	ADP
ajfti-5168	118	11	k	k	PROPN
ajfti-5168	118	12	clusters	cluster	NOUN
ajfti-5168	118	13	of	of	ADP
ajfti-5168	118	14	like	like	ADJ
ajfti-5168	118	15	transactions	transaction	NOUN
ajfti-5168	118	16	.	.	PUNCT
ajfti-5168	119	1	most	most	ADJ
ajfti-5168	119	2	of	of	ADP
ajfti-5168	119	3	which	which	PRON
ajfti-5168	119	4	are	be	AUX
ajfti-5168	119	5	“	"	PUNCT
ajfti-5168	119	6	anomalous	anomalous	ADJ
ajfti-5168	119	7	”	"	PUNCT
ajfti-5168	119	8	or	or	CCONJ
ajfti-5168	119	9	“	"	PUNCT
ajfti-5168	119	10	fraudulent	fraudulent	ADJ
ajfti-5168	119	11	”	"	PUNCT
ajfti-5168	119	12	transactions	transaction	NOUN
ajfti-5168	119	13	.	.	PUNCT
ajfti-5168	120	1	this	this	PRON
ajfti-5168	120	2	would	would	AUX
ajfti-5168	120	3	assist	assist	VERB
ajfti-5168	120	4	in	in	ADP
ajfti-5168	120	5	detecting	detect	VERB
ajfti-5168	120	6	outliers	outlier	NOUN
ajfti-5168	120	7	in	in	ADP
ajfti-5168	120	8	the	the	DET
ajfti-5168	120	9	data	data	NOUN
ajfti-5168	120	10	points	point	NOUN
ajfti-5168	120	11	which	which	PRON
ajfti-5168	120	12	are	be	AUX
ajfti-5168	120	13	often	often	ADV
ajfti-5168	120	14	indications	indication	NOUN
ajfti-5168	120	15	of	of	ADP
ajfti-5168	120	16	a	a	DET
ajfti-5168	120	17	possibility	possibility	NOUN
ajfti-5168	120	18	of	of	ADP
ajfti-5168	120	19	fraud	fraud	NOUN
ajfti-5168	120	20	(	(	PUNCT
ajfti-5168	120	21	ali	ali	PROPN
ajfti-5168	120	22	et	et	PROPN
ajfti-5168	120	23	al	al	PROPN
ajfti-5168	120	24	.	.	PROPN
ajfti-5168	120	25	,	,	PUNCT
ajfti-5168	120	26	2021	2021	NUM
ajfti-5168	120	27	)	)	PUNCT
ajfti-5168	120	28	.	.	PUNCT
ajfti-5168	121	1	another	another	DET
ajfti-5168	121	2	common	common	ADJ
ajfti-5168	121	3	approach	approach	NOUN
ajfti-5168	121	4	used	use	VERB
ajfti-5168	121	5	for	for	ADP
ajfti-5168	121	6	fraud	fraud	NOUN
ajfti-5168	121	7	detection	detection	NOUN
ajfti-5168	121	8	is	be	AUX
ajfti-5168	121	9	the	the	DET
ajfti-5168	121	10	‘	'	PUNCT
ajfti-5168	121	11	anomaly	anomaly	NOUN
ajfti-5168	121	12	detection	detection	NOUN
ajfti-5168	121	13	’	'	PUNCT
ajfti-5168	121	14	algorithms	algorithm	NOUN
ajfti-5168	121	15	,	,	PUNCT
ajfti-5168	121	16	unsupervised	unsupervised	ADJ
ajfti-5168	121	17	(	(	PUNCT
ajfti-5168	121	18	venigandla	venigandla	NOUN
ajfti-5168	121	19	&	&	CCONJ
ajfti-5168	121	20	vemuri	vemuri	PROPN
ajfti-5168	121	21	,	,	PUNCT
ajfti-5168	121	22	2022	2022	NUM
ajfti-5168	121	23	;	;	PUNCT
ajfti-5168	121	24	rojan	rojan	ADJ
ajfti-5168	121	25	,	,	PUNCT
ajfti-5168	121	26	2024	2024	NUM
ajfti-5168	121	27	)	)	PUNCT
ajfti-5168	121	28	.	.	PUNCT
ajfti-5168	122	1	these	these	PRON
ajfti-5168	122	2	are	be	AUX
ajfti-5168	122	3	algorithms	algorithm	NOUN
ajfti-5168	122	4	based	base	VERB
ajfti-5168	122	5	on	on	ADP
ajfti-5168	122	6	rare	rare	ADJ
ajfti-5168	122	7	or	or	CCONJ
ajfti-5168	122	8	anomalous	anomalous	ADJ
ajfti-5168	122	9	patterns	pattern	NOUN
ajfti-5168	122	10	within	within	ADP
ajfti-5168	122	11	the	the	DET
ajfti-5168	122	12	data	datum	NOUN
ajfti-5168	122	13	which	which	PRON
ajfti-5168	122	14	are	be	AUX
ajfti-5168	122	15	unlike	unlike	ADP
ajfti-5168	122	16	normal	normal	ADJ
ajfti-5168	122	17	behaviour	behaviour	NOUN
ajfti-5168	122	18	.	.	PUNCT
ajfti-5168	123	1	anomaly	anomaly	PROPN
ajfti-5168	123	2	detection	detection	NOUN
ajfti-5168	123	3	has	have	AUX
ajfti-5168	123	4	been	be	AUX
ajfti-5168	123	5	done	do	VERB
ajfti-5168	123	6	by	by	ADP
ajfti-5168	123	7	means	mean	NOUN
ajfti-5168	123	8	of	of	ADP
ajfti-5168	123	9	“	"	PUNCT
ajfti-5168	123	10	isolation	isolation	NOUN
ajfti-5168	123	11	forests	forest	NOUN
ajfti-5168	123	12	”	"	PUNCT
ajfti-5168	123	13	and	and	CCONJ
ajfti-5168	123	14	“	"	PUNCT
ajfti-5168	123	15	one	one	NUM
ajfti-5168	123	16	-	-	PUNCT
ajfti-5168	123	17	class	class	NOUN
ajfti-5168	123	18	svm	svm	NOUN
ajfti-5168	123	19	”	"	PUNCT
ajfti-5168	123	20	(	(	PUNCT
ajfti-5168	123	21	support	support	NOUN
ajfti-5168	123	22	vector	vector	NOUN
ajfti-5168	123	23	machines	machine	NOUN
ajfti-5168	123	24	)	)	PUNCT
ajfti-5168	123	25	amongst	amongst	ADP
ajfti-5168	123	26	other	other	ADJ
ajfti-5168	123	27	methods	method	NOUN
ajfti-5168	123	28	.	.	PUNCT
ajfti-5168	124	1	(	(	PUNCT
ajfti-5168	124	2	wei	wei	PROPN
ajfti-5168	124	3	et	et	PROPN
ajfti-5168	124	4	al	al	PROPN
ajfti-5168	124	5	.	.	PROPN
ajfti-5168	124	6	,	,	PUNCT
ajfti-5168	124	7	2023	2023	NUM
ajfti-5168	124	8	)	)	PUNCT
ajfti-5168	124	9	.	.	PUNCT
ajfti-5168	125	1	these	these	DET
ajfti-5168	125	2	models	model	NOUN
ajfti-5168	125	3	learn	learn	VERB
ajfti-5168	125	4	what	what	PRON
ajfti-5168	125	5	the	the	DET
ajfti-5168	125	6	normal	normal	ADJ
ajfti-5168	125	7	behaviour	behaviour	NOUN
ajfti-5168	125	8	of	of	ADP
ajfti-5168	125	9	the	the	DET
ajfti-5168	125	10	dataset	dataset	NOUN
ajfti-5168	125	11	is	be	AUX
ajfti-5168	125	12	and	and	CCONJ
ajfti-5168	125	13	treat	treat	VERB
ajfti-5168	125	14	anything	anything	PRON
ajfti-5168	125	15	that	that	PRON
ajfti-5168	125	16	deviates	deviate	VERB
ajfti-5168	125	17	from	from	ADP
ajfti-5168	125	18	it	it	PRON
ajfti-5168	125	19	as	as	ADP
ajfti-5168	125	20	suspicious	suspicious	ADJ
ajfti-5168	125	21	.	.	PUNCT
ajfti-5168	126	1	in	in	ADP
ajfti-5168	126	2	particular	particular	ADJ
ajfti-5168	126	3	,	,	PUNCT
ajfti-5168	126	4	anomaly	anomaly	NOUN
ajfti-5168	126	5	detection	detection	NOUN
ajfti-5168	126	6	could	could	AUX
ajfti-5168	126	7	be	be	AUX
ajfti-5168	126	8	very	very	ADV
ajfti-5168	126	9	useful	useful	ADJ
ajfti-5168	126	10	to	to	PART
ajfti-5168	126	11	detect	detect	VERB
ajfti-5168	126	12	a	a	DET
ajfti-5168	126	13	novel	novel	ADJ
ajfti-5168	126	14	pattern	pattern	NOUN
ajfti-5168	126	15	for	for	ADP
ajfti-5168	126	16	fraud	fraud	NOUN
ajfti-5168	126	17	that	that	PRON
ajfti-5168	126	18	has	have	AUX
ajfti-5168	126	19	never	never	ADV
ajfti-5168	126	20	been	be	AUX
ajfti-5168	126	21	previously	previously	ADV
ajfti-5168	126	22	experienced	experience	VERB
ajfti-5168	126	23	,	,	PUNCT
ajfti-5168	126	24	and	and	CCONJ
ajfti-5168	126	25	thus	thus	ADV
ajfti-5168	126	26	becomes	become	VERB
ajfti-5168	126	27	an	an	DET
ajfti-5168	126	28	important	important	ADJ
ajfti-5168	126	29	technique	technique	NOUN
ajfti-5168	126	30	to	to	PART
ajfti-5168	126	31	deploy	deploy	VERB
ajfti-5168	126	32	against	against	ADP
ajfti-5168	126	33	new	new	ADJ
ajfti-5168	126	34	fraud	fraud	NOUN
ajfti-5168	126	35	tactics	tactic	NOUN
ajfti-5168	126	36	.	.	PUNCT
ajfti-5168	127	1	deep	deep	ADJ
ajfti-5168	127	2	learning	learn	VERB
ajfti-5168	127	3	“	"	PUNCT
ajfti-5168	127	4	deep	deep	ADJ
ajfti-5168	127	5	learning	learning	NOUN
ajfti-5168	127	6	”	"	PUNCT
ajfti-5168	127	7	is	be	AUX
ajfti-5168	127	8	,	,	PUNCT
ajfti-5168	127	9	in	in	ADP
ajfti-5168	127	10	contrast	contrast	NOUN
ajfti-5168	127	11	to	to	ADP
ajfti-5168	127	12	other	other	ADJ
ajfti-5168	127	13	traditional	traditional	ADJ
ajfti-5168	127	14	ml	ml	NOUN
ajfti-5168	127	15	models	model	NOUN
ajfti-5168	127	16	,	,	PUNCT
ajfti-5168	127	17	a	a	DET
ajfti-5168	127	18	more	more	ADV
ajfti-5168	127	19	powerful	powerful	ADJ
ajfti-5168	127	20	approach	approach	NOUN
ajfti-5168	127	21	to	to	ADP
ajfti-5168	127	22	searching	search	VERB
ajfti-5168	127	23	on	on	ADP
ajfti-5168	127	24	massive	massive	ADJ
ajfti-5168	127	25	datasets	dataset	NOUN
ajfti-5168	127	26	for	for	ADP
ajfti-5168	127	27	more	more	ADJ
ajfti-5168	127	28	complex	complex	ADJ
ajfti-5168	127	29	patterns	pattern	NOUN
ajfti-5168	127	30	of	of	ADP
ajfti-5168	127	31	fraud	fraud	NOUN
ajfti-5168	127	32	,	,	PUNCT
ajfti-5168	127	33	as	as	SCONJ
ajfti-5168	127	34	it	it	PRON
ajfti-5168	127	35	uses	use	VERB
ajfti-5168	127	36	artificial	artificial	ADJ
ajfti-5168	127	37	neural	neural	ADJ
ajfti-5168	127	38	networks	network	NOUN
ajfti-5168	127	39	containing	contain	VERB
ajfti-5168	127	40	multiple	multiple	ADJ
ajfti-5168	127	41	layers	layer	NOUN
ajfti-5168	127	42	to	to	PART
ajfti-5168	127	43	model	model	VERB
ajfti-5168	127	44	very	very	ADV
ajfti-5168	127	45	complex	complex	ADJ
ajfti-5168	127	46	relations	relation	NOUN
ajfti-5168	127	47	in	in	ADP
ajfti-5168	127	48	the	the	DET
ajfti-5168	127	49	data	datum	NOUN
ajfti-5168	127	50	instead	instead	ADV
ajfti-5168	127	51	of	of	ADP
ajfti-5168	127	52	traditional	traditional	ADJ
ajfti-5168	127	53	ml	ml	NOUN
ajfti-5168	127	54	models	model	NOUN
ajfti-5168	127	55	(	(	PUNCT
ajfti-5168	127	56	xuan	xuan	PROPN
ajfti-5168	127	57	et	et	PROPN
ajfti-5168	127	58	al	al	PROPN
ajfti-5168	127	59	.	.	PROPN
ajfti-5168	127	60	,	,	PUNCT
ajfti-5168	127	61	2021	2021	NUM
ajfti-5168	127	62	;	;	PUNCT
ajfti-5168	127	63	bello	bello	PROPN
ajfti-5168	127	64	&	&	CCONJ
ajfti-5168	127	65	olufemi	olufemi	PROPN
ajfti-5168	127	66	,	,	PUNCT
ajfti-5168	127	67	2024	2024	NUM
ajfti-5168	127	68	)	)	PUNCT
ajfti-5168	127	69	.	.	PUNCT
ajfti-5168	128	1	on	on	ADP
ajfti-5168	128	2	top	top	NOUN
ajfti-5168	128	3	of	of	ADP
ajfti-5168	128	4	that	that	PRON
ajfti-5168	128	5	,	,	PUNCT
ajfti-5168	128	6	large	large	ADJ
ajfti-5168	128	7	amounts	amount	NOUN
ajfti-5168	128	8	of	of	ADP
ajfti-5168	128	9	unstructured	unstructured	ADJ
ajfti-5168	128	10	data	datum	NOUN
ajfti-5168	128	11	like	like	ADP
ajfti-5168	128	12	images	image	NOUN
ajfti-5168	128	13	,	,	PUNCT
ajfti-5168	128	14	or	or	CCONJ
ajfti-5168	128	15	transaction	transaction	NOUN
ajfti-5168	128	16	texts	text	NOUN
ajfti-5168	128	17	/	/	SYM
ajfti-5168	128	18	narratives	narrative	NOUN
ajfti-5168	128	19	,	,	PUNCT
ajfti-5168	128	20	which	which	PRON
ajfti-5168	128	21	are	be	AUX
ajfti-5168	128	22	harder	hard	ADJ
ajfti-5168	128	23	to	to	PART
ajfti-5168	128	24	deal	deal	VERB
ajfti-5168	128	25	with	with	ADP
ajfti-5168	128	26	by	by	ADP
ajfti-5168	128	27	classical	classical	ADJ
ajfti-5168	128	28	models	model	NOUN
ajfti-5168	128	29	,	,	PUNCT
ajfti-5168	128	30	are	be	AUX
ajfti-5168	128	31	also	also	ADV
ajfti-5168	128	32	easily	easily	ADV
ajfti-5168	128	33	accommodated	accommodate	VERB
ajfti-5168	128	34	by	by	ADP
ajfti-5168	128	35	these	these	DET
ajfti-5168	128	36	models	model	NOUN
ajfti-5168	128	37	.	.	PUNCT
ajfti-5168	129	1	two	two	NUM
ajfti-5168	129	2	examples	example	NOUN
ajfti-5168	129	3	of	of	ADP
ajfti-5168	129	4	deep	deep	ADJ
ajfti-5168	129	5	learning	learning	NOUN
ajfti-5168	129	6	models	model	NOUN
ajfti-5168	129	7	that	that	PRON
ajfti-5168	129	8	are	be	AUX
ajfti-5168	129	9	used	use	VERB
ajfti-5168	129	10	effectively	effectively	ADV
ajfti-5168	129	11	for	for	ADP
ajfti-5168	129	12	fraud	fraud	NOUN
ajfti-5168	129	13	detection	detection	NOUN
ajfti-5168	129	14	are	be	AUX
ajfti-5168	129	15	convolutional	convolutional	ADJ
ajfti-5168	129	16	neural	neural	ADJ
ajfti-5168	129	17	pa	pa	PROPN
ajfti-5168	129	18	ge	ge	PROPN
ajfti-5168	129	19	18	18	NUM
ajfti-5168	129	20	1	1	NUM
ajfti-5168	129	21	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-5168	129	22	am	be	AUX
ajfti-5168	129	23	.	.	PUNCT
ajfti-5168	130	1	j.	j.	PROPN
ajfti-5168	130	2	financ	financ	PROPN
ajfti-5168	130	3	.	.	PUNCT
ajfti-5168	131	1	technol	technol	PROPN
ajfti-5168	131	2	.	.	PUNCT
ajfti-5168	131	3	innov	innov	PROPN
ajfti-5168	131	4	.	.	PUNCT
ajfti-5168	132	1	3(1	3(1	NUM
ajfti-5168	132	2	)	)	PUNCT
ajfti-5168	132	3	177	177	NUM
ajfti-5168	132	4	-	-	SYM
ajfti-5168	132	5	187	187	NUM
ajfti-5168	132	6	,	,	PUNCT
ajfti-5168	132	7	2025	2025	NUM
ajfti-5168	132	8	networks	network	NOUN
ajfti-5168	132	9	(	(	PUNCT
ajfti-5168	132	10	cnns	cnns	PROPN
ajfti-5168	132	11	)	)	PUNCT
ajfti-5168	132	12	and	and	CCONJ
ajfti-5168	132	13	recurrent	recurrent	ADJ
ajfti-5168	132	14	neural	neural	ADJ
ajfti-5168	132	15	networks	network	NOUN
ajfti-5168	132	16	(	(	PUNCT
ajfti-5168	132	17	cnns	cnns	PROPN
ajfti-5168	132	18	)	)	PUNCT
ajfti-5168	132	19	(	(	PUNCT
ajfti-5168	132	20	adeyeri	adeyeri	NOUN
ajfti-5168	132	21	,	,	PUNCT
ajfti-5168	132	22	2024	2024	NUM
ajfti-5168	132	23	)	)	PUNCT
ajfti-5168	132	24	.	.	PUNCT
ajfti-5168	133	1	convolutional	convolutional	ADJ
ajfti-5168	133	2	neural	neural	ADJ
ajfti-5168	133	3	networks	network	NOUN
ajfti-5168	133	4	,	,	PUNCT
ajfti-5168	133	5	typically	typically	ADV
ajfti-5168	133	6	employed	employ	VERB
ajfti-5168	133	7	for	for	ADP
ajfti-5168	133	8	image	image	NOUN
ajfti-5168	133	9	recognition	recognition	NOUN
ajfti-5168	133	10	,	,	PUNCT
ajfti-5168	133	11	have	have	VERB
ajfti-5168	133	12	the	the	DET
ajfti-5168	133	13	potential	potential	NOUN
ajfti-5168	133	14	to	to	PART
ajfti-5168	133	15	be	be	AUX
ajfti-5168	133	16	utilized	utilize	VERB
ajfti-5168	133	17	for	for	ADP
ajfti-5168	133	18	fraud	fraud	NOUN
ajfti-5168	133	19	detection	detection	NOUN
ajfti-5168	133	20	as	as	SCONJ
ajfti-5168	133	21	they	they	PRON
ajfti-5168	133	22	excel	excel	VERB
ajfti-5168	133	23	at	at	ADP
ajfti-5168	133	24	detecting	detect	VERB
ajfti-5168	133	25	patterns	pattern	NOUN
ajfti-5168	133	26	in	in	ADP
ajfti-5168	133	27	an	an	DET
ajfti-5168	133	28	input	input	NOUN
ajfti-5168	133	29	of	of	ADP
ajfti-5168	133	30	sequences	sequence	NOUN
ajfti-5168	133	31	or	or	CCONJ
ajfti-5168	133	32	time	time	NOUN
ajfti-5168	133	33	series	series	PROPN
ajfti-5168	133	34	data	data	PROPN
ajfti-5168	133	35	,	,	PUNCT
ajfti-5168	133	36	such	such	ADJ
ajfti-5168	133	37	as	as	ADP
ajfti-5168	133	38	sequences	sequence	NOUN
ajfti-5168	133	39	of	of	ADP
ajfti-5168	133	40	transactions	transaction	NOUN
ajfti-5168	133	41	(	(	PUNCT
ajfti-5168	133	42	bello	bello	PROPN
ajfti-5168	133	43	et	et	PROPN
ajfti-5168	133	44	al	al	PROPN
ajfti-5168	133	45	.	.	PROPN
ajfti-5168	133	46	2022	2022	NUM
ajfti-5168	133	47	;	;	PUNCT
ajfti-5168	133	48	bello	bello	PROPN
ajfti-5168	133	49	&	&	CCONJ
ajfti-5168	133	50	olufemi	olufemi	PROPN
ajfti-5168	133	51	2024	2024	NUM
ajfti-5168	133	52	;	;	PUNCT
ajfti-5168	133	53	chowdhury	chowdhury	PROPN
ajfti-5168	133	54	2024	2024	NUM
ajfti-5168	133	55	)	)	PUNCT
ajfti-5168	133	56	.	.	PUNCT
ajfti-5168	134	1	rnn	rnn	PROPN
ajfti-5168	134	2	’s	’s	ADV
ajfti-5168	134	3	,	,	PUNCT
ajfti-5168	134	4	and	and	CCONJ
ajfti-5168	134	5	specifically	specifically	ADV
ajfti-5168	134	6	“	"	PUNCT
ajfti-5168	134	7	long	long	ADJ
ajfti-5168	134	8	short	short	ADJ
ajfti-5168	134	9	-	-	PUNCT
ajfti-5168	134	10	term	term	NOUN
ajfti-5168	134	11	memory	memory	NOUN
ajfti-5168	134	12	(	(	PUNCT
ajfti-5168	134	13	lstm	lstm	NOUN
ajfti-5168	134	14	)	)	PUNCT
ajfti-5168	134	15	”	"	PUNCT
ajfti-5168	134	16	networks	network	NOUN
ajfti-5168	134	17	,	,	PUNCT
ajfti-5168	134	18	are	be	AUX
ajfti-5168	134	19	focused	focus	VERB
ajfti-5168	134	20	on	on	ADP
ajfti-5168	134	21	spotting	spot	VERB
ajfti-5168	134	22	temporal	temporal	ADJ
ajfti-5168	134	23	dependencies	dependency	NOUN
ajfti-5168	134	24	within	within	ADP
ajfti-5168	134	25	the	the	DET
ajfti-5168	134	26	data	datum	NOUN
ajfti-5168	134	27	and	and	CCONJ
ajfti-5168	134	28	therefore	therefore	ADV
ajfti-5168	134	29	have	have	VERB
ajfti-5168	134	30	good	good	ADJ
ajfti-5168	134	31	potential	potential	NOUN
ajfti-5168	134	32	to	to	PART
ajfti-5168	134	33	be	be	AUX
ajfti-5168	134	34	utilized	utilize	VERB
ajfti-5168	134	35	for	for	ADP
ajfti-5168	134	36	fraud	fraud	NOUN
ajfti-5168	134	37	detection	detection	NOUN
ajfti-5168	134	38	in	in	ADP
ajfti-5168	134	39	cases	case	NOUN
ajfti-5168	134	40	where	where	SCONJ
ajfti-5168	134	41	the	the	DET
ajfti-5168	134	42	sequence	sequence	NOUN
ajfti-5168	134	43	of	of	ADP
ajfti-5168	134	44	the	the	DET
ajfti-5168	134	45	events	event	NOUN
ajfti-5168	134	46	in	in	ADP
ajfti-5168	134	47	relevant	relevant	ADJ
ajfti-5168	134	48	(	(	PUNCT
ajfti-5168	134	49	bhuiyan	bhuiyan	X
ajfti-5168	134	50	et	et	PROPN
ajfti-5168	134	51	al	al	PROPN
ajfti-5168	134	52	.	.	PROPN
ajfti-5168	134	53	,	,	PUNCT
ajfti-5168	134	54	2025	2025	NUM
ajfti-5168	134	55	;	;	PUNCT
ajfti-5168	134	56	mienye	mienye	PROPN
ajfti-5168	134	57	et	et	PROPN
ajfti-5168	134	58	al	al	PROPN
ajfti-5168	134	59	.	.	PROPN
ajfti-5168	134	60	,	,	PUNCT
ajfti-5168	134	61	2024	2024	NUM
ajfti-5168	134	62	;	;	PUNCT
ajfti-5168	134	63	muthunambu	muthunambu	NOUN
ajfti-5168	134	64	et	et	PROPN
ajfti-5168	134	65	al	al	PROPN
ajfti-5168	134	66	.	.	PROPN
ajfti-5168	134	67	,	,	PUNCT
ajfti-5168	134	68	2024	2024	NUM
ajfti-5168	134	69	)	)	PUNCT
ajfti-5168	134	70	.	.	PUNCT
ajfti-5168	135	1	an	an	DET
ajfti-5168	135	2	example	example	NOUN
ajfti-5168	135	3	could	could	AUX
ajfti-5168	135	4	be	be	AUX
ajfti-5168	135	5	that	that	SCONJ
ajfti-5168	135	6	an	an	DET
ajfti-5168	135	7	rnn	rnn	NOUN
ajfti-5168	135	8	can	can	AUX
ajfti-5168	135	9	recognize	recognize	VERB
ajfti-5168	135	10	fraud	fraud	NOUN
ajfti-5168	135	11	by	by	ADP
ajfti-5168	135	12	the	the	DET
ajfti-5168	135	13	transactional	transactional	ADJ
ajfti-5168	135	14	pattern	pattern	NOUN
ajfti-5168	135	15	,	,	PUNCT
ajfti-5168	135	16	or	or	CCONJ
ajfti-5168	135	17	by	by	ADP
ajfti-5168	135	18	the	the	DET
ajfti-5168	135	19	attempted	attempt	VERB
ajfti-5168	135	20	login	login	NOUN
ajfti-5168	135	21	pattern	pattern	NOUN
ajfti-5168	135	22	recognition	recognition	NOUN
ajfti-5168	135	23	.	.	PUNCT
ajfti-5168	136	1	deep	deep	ADJ
ajfti-5168	136	2	learning	learning	NOUN
ajfti-5168	136	3	methods	method	NOUN
ajfti-5168	136	4	have	have	VERB
ajfti-5168	136	5	the	the	DET
ajfti-5168	136	6	advantage	advantage	NOUN
ajfti-5168	136	7	of	of	ADP
ajfti-5168	136	8	being	be	AUX
ajfti-5168	136	9	able	able	ADJ
ajfti-5168	136	10	to	to	PART
ajfti-5168	136	11	detect	detect	VERB
ajfti-5168	136	12	more	more	ADJ
ajfti-5168	136	13	complex	complex	ADJ
ajfti-5168	136	14	patterns	pattern	NOUN
ajfti-5168	136	15	of	of	ADP
ajfti-5168	136	16	fraud	fraud	NOUN
ajfti-5168	136	17	than	than	SCONJ
ajfti-5168	136	18	what	what	PRON
ajfti-5168	136	19	simpler	simple	ADJ
ajfti-5168	136	20	machine	machine	NOUN
ajfti-5168	136	21	learning	learn	VERB
ajfti-5168	136	22	methods	method	NOUN
ajfti-5168	136	23	would	would	AUX
ajfti-5168	136	24	be	be	AUX
ajfti-5168	136	25	able	able	ADJ
ajfti-5168	136	26	to	to	PART
ajfti-5168	136	27	detect	detect	VERB
ajfti-5168	136	28	.	.	PUNCT
ajfti-5168	137	1	these	these	DET
ajfti-5168	137	2	types	type	NOUN
ajfti-5168	137	3	of	of	ADP
ajfti-5168	137	4	models	model	NOUN
ajfti-5168	137	5	are	be	AUX
ajfti-5168	137	6	bolstered	bolster	VERB
ajfti-5168	137	7	when	when	SCONJ
ajfti-5168	137	8	exposed	expose	VERB
ajfti-5168	137	9	to	to	ADP
ajfti-5168	137	10	more	more	ADJ
ajfti-5168	137	11	data	datum	NOUN
ajfti-5168	137	12	and	and	CCONJ
ajfti-5168	137	13	so	so	ADV
ajfti-5168	137	14	are	be	AUX
ajfti-5168	137	15	particularly	particularly	ADV
ajfti-5168	137	16	suited	suit	VERB
ajfti-5168	137	17	to	to	PART
ajfti-5168	137	18	be	be	AUX
ajfti-5168	137	19	used	use	VERB
ajfti-5168	137	20	in	in	ADP
ajfti-5168	137	21	environments	environment	NOUN
ajfti-5168	137	22	such	such	ADJ
ajfti-5168	137	23	as	as	ADP
ajfti-5168	137	24	digital	digital	ADJ
ajfti-5168	137	25	banking	banking	NOUN
ajfti-5168	137	26	where	where	SCONJ
ajfti-5168	137	27	also	also	ADV
ajfti-5168	137	28	the	the	DET
ajfti-5168	137	29	fraudsters	fraudster	NOUN
ajfti-5168	137	30	are	be	AUX
ajfti-5168	137	31	constantly	constantly	ADV
ajfti-5168	137	32	evolving	evolve	VERB
ajfti-5168	137	33	their	their	PRON
ajfti-5168	137	34	methods	method	NOUN
ajfti-5168	137	35	.	.	PUNCT
ajfti-5168	138	1	ensemble	ensemble	ADJ
ajfti-5168	138	2	methods	method	NOUN
ajfti-5168	138	3	the	the	DET
ajfti-5168	138	4	“	"	PUNCT
ajfti-5168	138	5	ensemble	ensemble	ADJ
ajfti-5168	138	6	methods	method	NOUN
ajfti-5168	138	7	”	"	PUNCT
ajfti-5168	138	8	combines	combine	VERB
ajfti-5168	138	9	the	the	DET
ajfti-5168	138	10	predictions	prediction	NOUN
ajfti-5168	138	11	of	of	ADP
ajfti-5168	138	12	multiple	multiple	ADJ
ajfti-5168	138	13	models	model	NOUN
ajfti-5168	138	14	to	to	PART
ajfti-5168	138	15	improve	improve	VERB
ajfti-5168	138	16	accuracy	accuracy	NOUN
ajfti-5168	138	17	and	and	CCONJ
ajfti-5168	138	18	robustness	robustness	NOUN
ajfti-5168	138	19	(	(	PUNCT
ajfti-5168	138	20	olowu	olowu	NOUN
ajfti-5168	138	21	et	et	NOUN
ajfti-5168	138	22	al	al	PROPN
ajfti-5168	138	23	.	.	PROPN
ajfti-5168	138	24	,	,	PUNCT
ajfti-5168	138	25	2024	2024	NUM
ajfti-5168	138	26	)	)	PUNCT
ajfti-5168	138	27	.	.	PUNCT
ajfti-5168	139	1	the	the	DET
ajfti-5168	139	2	theory	theory	NOUN
ajfti-5168	139	3	behind	behind	ADP
ajfti-5168	139	4	ensemble	ensemble	ADJ
ajfti-5168	139	5	methods	method	NOUN
ajfti-5168	139	6	is	be	AUX
ajfti-5168	139	7	that	that	SCONJ
ajfti-5168	139	8	by	by	ADP
ajfti-5168	139	9	ensembling	ensemble	VERB
ajfti-5168	139	10	many	many	ADJ
ajfti-5168	139	11	models	model	NOUN
ajfti-5168	139	12	that	that	PRON
ajfti-5168	139	13	each	each	PRON
ajfti-5168	139	14	have	have	VERB
ajfti-5168	139	15	some	some	DET
ajfti-5168	139	16	strengths	strength	NOUN
ajfti-5168	139	17	and	and	CCONJ
ajfti-5168	139	18	weaknesses	weakness	NOUN
ajfti-5168	139	19	we	we	PRON
ajfti-5168	139	20	can	can	AUX
ajfti-5168	139	21	form	form	VERB
ajfti-5168	139	22	a	a	DET
ajfti-5168	139	23	stronger	strong	ADJ
ajfti-5168	139	24	,	,	PUNCT
ajfti-5168	139	25	more	more	ADV
ajfti-5168	139	26	accurate	accurate	ADJ
ajfti-5168	139	27	model	model	NOUN
ajfti-5168	139	28	.	.	PUNCT
ajfti-5168	140	1	“	"	PUNCT
ajfti-5168	140	2	boosting	boost	VERB
ajfti-5168	140	3	”	"	PUNCT
ajfti-5168	140	4	,	,	PUNCT
ajfti-5168	140	5	which	which	PRON
ajfti-5168	140	6	focuses	focus	VERB
ajfti-5168	140	7	on	on	ADP
ajfti-5168	140	8	those	those	DET
ajfti-5168	140	9	training	training	NOUN
ajfti-5168	140	10	instances	instance	NOUN
ajfti-5168	140	11	that	that	PRON
ajfti-5168	140	12	are	be	AUX
ajfti-5168	140	13	harder	hard	ADJ
ajfti-5168	140	14	to	to	PART
ajfti-5168	140	15	classify	classify	VERB
ajfti-5168	140	16	by	by	ADP
ajfti-5168	140	17	changing	change	VERB
ajfti-5168	140	18	their	their	PRON
ajfti-5168	140	19	weights	weight	NOUN
ajfti-5168	140	20	iteratively	iteratively	ADV
ajfti-5168	140	21	,	,	PUNCT
ajfti-5168	140	22	is	be	AUX
ajfti-5168	140	23	one	one	NUM
ajfti-5168	140	24	of	of	ADP
ajfti-5168	140	25	the	the	DET
ajfti-5168	140	26	most	most	ADV
ajfti-5168	140	27	popular	popular	ADJ
ajfti-5168	140	28	ensemble	ensemble	ADJ
ajfti-5168	140	29	methods	method	NOUN
ajfti-5168	140	30	.	.	PUNCT
ajfti-5168	141	1	“	"	PUNCT
ajfti-5168	141	2	gradient	gradient	ADJ
ajfti-5168	141	3	boosting	boosting	NOUN
ajfti-5168	141	4	”	"	PUNCT
ajfti-5168	141	5	and	and	CCONJ
ajfti-5168	141	6	“	"	PUNCT
ajfti-5168	141	7	xgboost	xgboost	X
ajfti-5168	141	8	”	"	PUNCT
ajfti-5168	141	9	are	be	AUX
ajfti-5168	141	10	widely	widely	ADV
ajfti-5168	141	11	used	use	VERB
ajfti-5168	141	12	boosting	boost	VERB
ajfti-5168	141	13	techniques	technique	NOUN
ajfti-5168	141	14	which	which	PRON
ajfti-5168	141	15	have	have	AUX
ajfti-5168	141	16	proven	prove	VERB
ajfti-5168	141	17	effective	effective	ADJ
ajfti-5168	141	18	when	when	SCONJ
ajfti-5168	141	19	used	use	VERB
ajfti-5168	141	20	for	for	ADP
ajfti-5168	141	21	fraud	fraud	NOUN
ajfti-5168	141	22	detection	detection	NOUN
ajfti-5168	141	23	tasks	task	NOUN
ajfti-5168	141	24	(	(	PUNCT
ajfti-5168	141	25	ganaie	ganaie	NOUN
ajfti-5168	141	26	et	et	PROPN
ajfti-5168	141	27	al	al	PROPN
ajfti-5168	141	28	.	.	PROPN
ajfti-5168	141	29	,	,	PUNCT
ajfti-5168	141	30	2022	2022	NUM
ajfti-5168	141	31	;	;	PUNCT
ajfti-5168	141	32	khan	khan	PROPN
ajfti-5168	141	33	et	et	PROPN
ajfti-5168	141	34	al	al	PROPN
ajfti-5168	141	35	.	.	PROPN
ajfti-5168	141	36	,	,	PUNCT
ajfti-5168	141	37	2023	2023	NUM
ajfti-5168	141	38	)	)	PUNCT
ajfti-5168	141	39	.	.	PUNCT
ajfti-5168	142	1	“	"	PUNCT
ajfti-5168	142	2	bagging	bagging	NOUN
ajfti-5168	142	3	”	"	PUNCT
ajfti-5168	142	4	or	or	CCONJ
ajfti-5168	142	5	bootstrap	bootstrap	NOUN
ajfti-5168	142	6	aggregating	aggregating	NOUN
ajfti-5168	142	7	is	be	AUX
ajfti-5168	142	8	another	another	DET
ajfti-5168	142	9	form	form	NOUN
ajfti-5168	142	10	of	of	ADP
ajfti-5168	142	11	ensemble	ensemble	ADJ
ajfti-5168	142	12	method	method	NOUN
ajfti-5168	142	13	as	as	SCONJ
ajfti-5168	142	14	described	describe	VERB
ajfti-5168	142	15	by	by	ADP
ajfti-5168	142	16	hernandez	hernandez	PROPN
ajfti-5168	142	17	t	t	PROPN
ajfti-5168	142	18	al	al	PROPN
ajfti-5168	142	19	.	.	PROPN
ajfti-5168	142	20	,	,	PUNCT
ajfti-5168	142	21	2022	2022	NUM
ajfti-5168	142	22	;	;	PUNCT
ajfti-5168	142	23	vens	ven	NOUN
ajfti-5168	142	24	,	,	PUNCT
ajfti-5168	142	25	2013	2013	NUM
ajfti-5168	142	26	.	.	PUNCT
ajfti-5168	143	1	bagging	bagging	NOUN
ajfti-5168	143	2	takes	take	VERB
ajfti-5168	143	3	multiple	multiple	ADJ
ajfti-5168	143	4	models	model	NOUN
ajfti-5168	143	5	(	(	PUNCT
ajfti-5168	143	6	usually	usually	ADV
ajfti-5168	143	7	decision	decision	NOUN
ajfti-5168	143	8	trees	tree	NOUN
ajfti-5168	143	9	)	)	PUNCT
ajfti-5168	143	10	trained	train	VERB
ajfti-5168	143	11	on	on	ADP
ajfti-5168	143	12	multiples	multiple	NOUN
ajfti-5168	143	13	subsets	subset	NOUN
ajfti-5168	143	14	of	of	ADP
ajfti-5168	143	15	data	datum	NOUN
ajfti-5168	143	16	and	and	CCONJ
ajfti-5168	143	17	averages	average	NOUN
ajfti-5168	143	18	they	they	PRON
ajfti-5168	143	19	predictions	prediction	VERB
ajfti-5168	143	20	.	.	PUNCT
ajfti-5168	144	1	it	it	PRON
ajfti-5168	144	2	is	be	AUX
ajfti-5168	144	3	also	also	ADV
ajfti-5168	144	4	a	a	DET
ajfti-5168	144	5	mechanism	mechanism	NOUN
ajfti-5168	144	6	to	to	PART
ajfti-5168	144	7	reduce	reduce	VERB
ajfti-5168	144	8	variance	variance	NOUN
ajfti-5168	144	9	and	and	CCONJ
ajfti-5168	144	10	avoid	avoid	VERB
ajfti-5168	144	11	overfitting	overfitte	VERB
ajfti-5168	144	12	,	,	PUNCT
ajfti-5168	144	13	especially	especially	ADV
ajfti-5168	144	14	for	for	ADP
ajfti-5168	144	15	decision	decision	NOUN
ajfti-5168	144	16	trees	tree	NOUN
ajfti-5168	144	17	.	.	PUNCT
ajfti-5168	145	1	an	an	DET
ajfti-5168	145	2	example	example	NOUN
ajfti-5168	145	3	of	of	ADP
ajfti-5168	145	4	bagging	bagging	NOUN
ajfti-5168	145	5	is	be	AUX
ajfti-5168	145	6	the	the	DET
ajfti-5168	145	7	“	"	PUNCT
ajfti-5168	145	8	random	random	ADJ
ajfti-5168	145	9	forest	forest	NOUN
ajfti-5168	145	10	”	"	PUNCT
ajfti-5168	145	11	algorithm	algorithm	NOUN
ajfti-5168	145	12	,	,	PUNCT
ajfti-5168	145	13	which	which	PRON
ajfti-5168	145	14	aggregates	aggregate	VERB
ajfti-5168	145	15	many	many	ADJ
ajfti-5168	145	16	decision	decision	NOUN
ajfti-5168	145	17	trees	tree	NOUN
ajfti-5168	145	18	for	for	ADP
ajfti-5168	145	19	better	well	ADJ
ajfti-5168	145	20	predictions	prediction	NOUN
ajfti-5168	145	21	.	.	PUNCT
ajfti-5168	146	1	detecting	detect	VERB
ajfti-5168	146	2	fraud	fraud	NOUN
ajfti-5168	146	3	using	use	VERB
ajfti-5168	146	4	integrated	integrate	VERB
ajfti-5168	146	5	systems	system	NOUN
ajfti-5168	146	6	based	base	VERB
ajfti-5168	146	7	on	on	ADP
ajfti-5168	146	8	nlp	nlp	NOUN
ajfti-5168	146	9	,	,	PUNCT
ajfti-5168	146	10	anomaly	anomaly	NOUN
ajfti-5168	146	11	detection	detection	NOUN
ajfti-5168	146	12	,	,	PUNCT
ajfti-5168	146	13	and	and	CCONJ
ajfti-5168	146	14	supervised	supervise	VERB
ajfti-5168	146	15	learning	learning	NOUN
ajfti-5168	146	16	offers	offer	VERB
ajfti-5168	146	17	15	15	NUM
ajfti-5168	146	18	-	-	SYM
ajfti-5168	146	19	25	25	NUM
ajfti-5168	146	20	%	%	NOUN
ajfti-5168	146	21	higher	high	ADJ
ajfti-5168	146	22	detection	detection	NOUN
ajfti-5168	146	23	levels	level	NOUN
ajfti-5168	146	24	than	than	ADP
ajfti-5168	146	25	using	use	VERB
ajfti-5168	146	26	any	any	PRON
ajfti-5168	146	27	of	of	ADP
ajfti-5168	146	28	the	the	DET
ajfti-5168	146	29	three	three	NUM
ajfti-5168	146	30	types	type	NOUN
ajfti-5168	146	31	of	of	ADP
ajfti-5168	146	32	models	model	NOUN
ajfti-5168	146	33	individually	individually	ADV
ajfti-5168	146	34	,	,	PUNCT
ajfti-5168	146	35	as	as	SCONJ
ajfti-5168	146	36	shown	show	VERB
ajfti-5168	146	37	in	in	ADP
ajfti-5168	146	38	a	a	DET
ajfti-5168	146	39	sample	sample	NOUN
ajfti-5168	146	40	study	study	NOUN
ajfti-5168	146	41	of	of	ADP
ajfti-5168	146	42	25	25	NUM
ajfti-5168	146	43	large	large	ADJ
ajfti-5168	146	44	financial	financial	ADJ
ajfti-5168	146	45	institutions	institution	NOUN
ajfti-5168	146	46	(	(	PUNCT
ajfti-5168	146	47	olowu	olowu	NOUN
ajfti-5168	146	48	et	et	NOUN
ajfti-5168	146	49	al	al	PROPN
ajfti-5168	146	50	.	.	PROPN
ajfti-5168	146	51	,	,	PUNCT
ajfti-5168	146	52	2024	2024	NUM
ajfti-5168	146	53	)	)	PUNCT
ajfti-5168	146	54	.	.	PUNCT
ajfti-5168	147	1	ensemble	ensemble	ADJ
ajfti-5168	147	2	methods	method	NOUN
ajfti-5168	147	3	have	have	VERB
ajfti-5168	147	4	special	special	ADJ
ajfti-5168	147	5	applicability	applicability	NOUN
ajfti-5168	147	6	for	for	ADP
ajfti-5168	147	7	fraud	fraud	NOUN
ajfti-5168	147	8	detection	detection	NOUN
ajfti-5168	147	9	,	,	PUNCT
ajfti-5168	147	10	since	since	SCONJ
ajfti-5168	147	11	the	the	DET
ajfti-5168	147	12	trade	trade	NOUN
ajfti-5168	147	13	-	-	PUNCT
ajfti-5168	147	14	off	off	NOUN
ajfti-5168	147	15	between	between	ADP
ajfti-5168	147	16	false	false	ADJ
ajfti-5168	147	17	positives	positive	NOUN
ajfti-5168	147	18	and	and	CCONJ
ajfti-5168	147	19	false	false	ADJ
ajfti-5168	147	20	negatives	negative	NOUN
ajfti-5168	147	21	in	in	ADP
ajfti-5168	147	22	that	that	DET
ajfti-5168	147	23	context	context	NOUN
ajfti-5168	147	24	is	be	AUX
ajfti-5168	147	25	very	very	ADV
ajfti-5168	147	26	important	important	ADJ
ajfti-5168	147	27	.	.	PUNCT
ajfti-5168	148	1	data	datum	NOUN
ajfti-5168	148	2	preprocessing	preprocesse	VERB
ajfti-5168	148	3	high	high	ADJ
ajfti-5168	148	4	quality	quality	NOUN
ajfti-5168	148	5	data	datum	NOUN
ajfti-5168	148	6	is	be	AUX
ajfti-5168	148	7	a	a	DET
ajfti-5168	148	8	requisite	requisite	ADJ
ajfti-5168	148	9	condition	condition	NOUN
ajfti-5168	148	10	for	for	ADP
ajfti-5168	148	11	effective	effective	ADJ
ajfti-5168	148	12	performance	performance	NOUN
ajfti-5168	148	13	of	of	ADP
ajfti-5168	148	14	machine	machine	NOUN
ajfti-5168	148	15	learning	learning	NOUN
ajfti-5168	148	16	models	model	NOUN
ajfti-5168	148	17	.	.	PUNCT
ajfti-5168	149	1	the	the	DET
ajfti-5168	149	2	first	first	ADJ
ajfti-5168	149	3	and	and	CCONJ
ajfti-5168	149	4	most	most	ADV
ajfti-5168	149	5	important	important	ADJ
ajfti-5168	149	6	step	step	NOUN
ajfti-5168	149	7	when	when	SCONJ
ajfti-5168	149	8	creating	create	VERB
ajfti-5168	149	9	any	any	DET
ajfti-5168	149	10	fraud	fraud	NOUN
ajfti-5168	149	11	detection	detection	NOUN
ajfti-5168	149	12	model	model	NOUN
ajfti-5168	149	13	,	,	PUNCT
ajfti-5168	149	14	is	be	AUX
ajfti-5168	149	15	data	datum	NOUN
ajfti-5168	149	16	preprocessing	preprocessing	NOUN
ajfti-5168	149	17	;	;	PUNCT
ajfti-5168	149	18	this	this	DET
ajfti-5168	149	19	step	step	NOUN
ajfti-5168	149	20	ensures	ensure	VERB
ajfti-5168	149	21	that	that	SCONJ
ajfti-5168	149	22	the	the	DET
ajfti-5168	149	23	data	data	NOUN
ajfti-5168	149	24	is	be	AUX
ajfti-5168	149	25	cleaner	clean	ADJ
ajfti-5168	149	26	and	and	CCONJ
ajfti-5168	149	27	structured	structure	VERB
ajfti-5168	149	28	for	for	ADP
ajfti-5168	149	29	ease	ease	NOUN
ajfti-5168	149	30	of	of	ADP
ajfti-5168	149	31	use	use	NOUN
ajfti-5168	149	32	.	.	PUNCT
ajfti-5168	150	1	data	datum	NOUN
ajfti-5168	150	2	cleaning	clean	VERB
ajfti-5168	150	3	typically	typically	ADV
ajfti-5168	150	4	deals	deal	VERB
ajfti-5168	150	5	with	with	ADP
ajfti-5168	150	6	issues	issue	NOUN
ajfti-5168	150	7	of	of	ADP
ajfti-5168	150	8	missing	miss	VERB
ajfti-5168	150	9	,	,	PUNCT
ajfti-5168	150	10	duplicate	duplicate	NOUN
ajfti-5168	150	11	,	,	PUNCT
ajfti-5168	150	12	or	or	CCONJ
ajfti-5168	150	13	inconsistent	inconsistent	ADJ
ajfti-5168	150	14	data	datum	NOUN
ajfti-5168	150	15	.	.	PUNCT
ajfti-5168	151	1	records	record	NOUN
ajfti-5168	151	2	may	may	AUX
ajfti-5168	151	3	be	be	AUX
ajfti-5168	151	4	incomplete	incomplete	ADJ
ajfti-5168	151	5	for	for	ADP
ajfti-5168	151	6	technological	technological	ADJ
ajfti-5168	151	7	reasons	reason	NOUN
ajfti-5168	151	8	,	,	PUNCT
ajfti-5168	151	9	such	such	ADJ
ajfti-5168	151	10	as	as	ADP
ajfti-5168	151	11	system	system	NOUN
ajfti-5168	151	12	errors	error	NOUN
ajfti-5168	151	13	,	,	PUNCT
ajfti-5168	151	14	or	or	CCONJ
ajfti-5168	151	15	human	human	ADJ
ajfti-5168	151	16	reasons	reason	NOUN
ajfti-5168	151	17	,	,	PUNCT
ajfti-5168	151	18	such	such	ADJ
ajfti-5168	151	19	as	as	ADP
ajfti-5168	151	20	input	input	NOUN
ajfti-5168	151	21	error	error	NOUN
ajfti-5168	151	22	.	.	PUNCT
ajfti-5168	152	1	such	such	ADJ
ajfti-5168	152	2	gaps	gap	NOUN
ajfti-5168	152	3	must	must	AUX
ajfti-5168	152	4	be	be	AUX
ajfti-5168	152	5	filled	fill	VERB
ajfti-5168	152	6	because	because	SCONJ
ajfti-5168	152	7	they	they	PRON
ajfti-5168	152	8	are	be	AUX
ajfti-5168	152	9	sources	source	NOUN
ajfti-5168	152	10	of	of	ADP
ajfti-5168	152	11	bias	bias	NOUN
ajfti-5168	152	12	or	or	CCONJ
ajfti-5168	152	13	inaccuracy	inaccuracy	NOUN
ajfti-5168	152	14	in	in	ADP
ajfti-5168	152	15	predictions	prediction	NOUN
ajfti-5168	152	16	.	.	PUNCT
ajfti-5168	153	1	common	common	ADJ
ajfti-5168	153	2	methods	method	NOUN
ajfti-5168	153	3	include	include	VERB
ajfti-5168	153	4	imputation	imputation	NOUN
ajfti-5168	153	5	by	by	ADP
ajfti-5168	153	6	filling	fill	VERB
ajfti-5168	153	7	values	value	NOUN
ajfti-5168	153	8	with	with	ADP
ajfti-5168	153	9	mean	mean	ADJ
ajfti-5168	153	10	,	,	PUNCT
ajfti-5168	153	11	median	median	ADJ
ajfti-5168	153	12	,	,	PUNCT
ajfti-5168	153	13	or	or	CCONJ
ajfti-5168	153	14	mode	mode	NOUN
ajfti-5168	153	15	,	,	PUNCT
ajfti-5168	153	16	or	or	CCONJ
ajfti-5168	153	17	excluding	exclude	VERB
ajfti-5168	153	18	records	record	NOUN
ajfti-5168	153	19	with	with	ADP
ajfti-5168	153	20	missing	miss	VERB
ajfti-5168	153	21	values	value	NOUN
ajfti-5168	153	22	(	(	PUNCT
ajfti-5168	153	23	alam	alam	PROPN
ajfti-5168	153	24	et	et	PROPN
ajfti-5168	153	25	al	al	PROPN
ajfti-5168	153	26	.	.	PROPN
ajfti-5168	153	27	,	,	PUNCT
ajfti-5168	153	28	2023	2023	NUM
ajfti-5168	153	29	)	)	PUNCT
ajfti-5168	153	30	.	.	PUNCT
ajfti-5168	154	1	this	this	PRON
ajfti-5168	154	2	is	be	AUX
ajfti-5168	154	3	often	often	ADV
ajfti-5168	154	4	called	call	VERB
ajfti-5168	154	5	“	"	PUNCT
ajfti-5168	154	6	feature	feature	NOUN
ajfti-5168	154	7	extraction	extraction	NOUN
ajfti-5168	154	8	”	"	PUNCT
ajfti-5168	154	9	the	the	DET
ajfti-5168	154	10	process	process	NOUN
ajfti-5168	154	11	of	of	ADP
ajfti-5168	154	12	determining	determine	VERB
ajfti-5168	154	13	which	which	DET
ajfti-5168	154	14	variables	variable	VERB
ajfti-5168	154	15	(	(	PUNCT
ajfti-5168	154	16	or	or	CCONJ
ajfti-5168	154	17	features	feature	NOUN
ajfti-5168	154	18	)	)	PUNCT
ajfti-5168	154	19	found	find	VERB
ajfti-5168	154	20	in	in	ADP
ajfti-5168	154	21	the	the	DET
ajfti-5168	154	22	data	datum	NOUN
ajfti-5168	154	23	are	be	AUX
ajfti-5168	154	24	useful	useful	ADJ
ajfti-5168	154	25	in	in	ADP
ajfti-5168	154	26	order	order	NOUN
ajfti-5168	154	27	to	to	PART
ajfti-5168	154	28	improve	improve	VERB
ajfti-5168	154	29	the	the	DET
ajfti-5168	154	30	accuracy	accuracy	NOUN
ajfti-5168	154	31	of	of	ADP
ajfti-5168	154	32	the	the	DET
ajfti-5168	154	33	model	model	NOUN
ajfti-5168	154	34	.	.	PUNCT
ajfti-5168	155	1	for	for	ADP
ajfti-5168	155	2	instance	instance	NOUN
ajfti-5168	155	3	,	,	PUNCT
ajfti-5168	155	4	the	the	DET
ajfti-5168	155	5	features	feature	NOUN
ajfti-5168	155	6	of	of	ADP
ajfti-5168	155	7	interest	interest	NOUN
ajfti-5168	155	8	in	in	ADP
ajfti-5168	155	9	the	the	DET
ajfti-5168	155	10	case	case	NOUN
ajfti-5168	155	11	of	of	ADP
ajfti-5168	155	12	fraud	fraud	NOUN
ajfti-5168	155	13	might	might	AUX
ajfti-5168	155	14	be	be	AUX
ajfti-5168	155	15	the	the	DET
ajfti-5168	155	16	transaction	transaction	NOUN
ajfti-5168	155	17	amount	amount	NOUN
ajfti-5168	155	18	,	,	PUNCT
ajfti-5168	155	19	time	time	NOUN
ajfti-5168	155	20	,	,	PUNCT
ajfti-5168	155	21	location	location	NOUN
ajfti-5168	155	22	and	and	CCONJ
ajfti-5168	155	23	number	number	NOUN
ajfti-5168	155	24	of	of	ADP
ajfti-5168	155	25	transactions	transaction	NOUN
ajfti-5168	155	26	.	.	PUNCT
ajfti-5168	156	1	identifying	identify	VERB
ajfti-5168	156	2	these	these	DET
ajfti-5168	156	3	characteristics	characteristic	NOUN
ajfti-5168	156	4	in	in	ADP
ajfti-5168	156	5	the	the	DET
ajfti-5168	156	6	input	input	NOUN
ajfti-5168	156	7	data	datum	NOUN
ajfti-5168	156	8	is	be	AUX
ajfti-5168	156	9	useful	useful	ADJ
ajfti-5168	156	10	to	to	PART
ajfti-5168	156	11	provide	provide	VERB
ajfti-5168	156	12	lower	low	ADJ
ajfti-5168	156	13	dimensionality	dimensionality	NOUN
ajfti-5168	156	14	to	to	ADP
ajfti-5168	156	15	the	the	DET
ajfti-5168	156	16	dataset	dataset	NOUN
ajfti-5168	156	17	and	and	CCONJ
ajfti-5168	156	18	to	to	PART
ajfti-5168	156	19	allow	allow	VERB
ajfti-5168	156	20	the	the	DET
ajfti-5168	156	21	model	model	NOUN
ajfti-5168	156	22	focus	focus	VERB
ajfti-5168	156	23	on	on	ADP
ajfti-5168	156	24	the	the	DET
ajfti-5168	156	25	important	important	ADJ
ajfti-5168	156	26	variables	variable	NOUN
ajfti-5168	156	27	to	to	PART
ajfti-5168	156	28	make	make	VERB
ajfti-5168	156	29	the	the	DET
ajfti-5168	156	30	prediction	prediction	NOUN
ajfti-5168	156	31	(	(	PUNCT
ajfti-5168	156	32	cherif	cherif	PROPN
ajfti-5168	156	33	et	et	PROPN
ajfti-5168	156	34	al	al	PROPN
ajfti-5168	156	35	.	.	PROPN
ajfti-5168	156	36	,	,	PUNCT
ajfti-5168	156	37	2022	2022	NUM
ajfti-5168	156	38	;	;	PUNCT
ajfti-5168	156	39	islam	islam	PROPN
ajfti-5168	156	40	et	et	PROPN
ajfti-5168	156	41	al	al	PROPN
ajfti-5168	156	42	.	.	PROPN
ajfti-5168	156	43	,	,	PUNCT
ajfti-5168	156	44	2025	2025	NUM
ajfti-5168	156	45	)	)	PUNCT
ajfti-5168	156	46	.	.	PUNCT
ajfti-5168	157	1	these	these	PRON
ajfti-5168	157	2	are	be	AUX
ajfti-5168	157	3	known	know	VERB
ajfti-5168	157	4	as	as	ADP
ajfti-5168	157	5	“	"	PUNCT
ajfti-5168	157	6	feature	feature	NOUN
ajfti-5168	157	7	transformation	transformation	NOUN
ajfti-5168	157	8	”	"	PUNCT
ajfti-5168	157	9	techniques	technique	NOUN
ajfti-5168	157	10	that	that	PRON
ajfti-5168	157	11	can	can	AUX
ajfti-5168	157	12	also	also	ADV
ajfti-5168	157	13	be	be	AUX
ajfti-5168	157	14	used	use	VERB
ajfti-5168	157	15	to	to	PART
ajfti-5168	157	16	normalize	normalize	VERB
ajfti-5168	157	17	or	or	CCONJ
ajfti-5168	157	18	standardize	standardize	VERB
ajfti-5168	157	19	the	the	DET
ajfti-5168	157	20	features	feature	NOUN
ajfti-5168	157	21	so	so	SCONJ
ajfti-5168	157	22	that	that	SCONJ
ajfti-5168	157	23	all	all	DET
ajfti-5168	157	24	variables	variable	NOUN
ajfti-5168	157	25	are	be	AUX
ajfti-5168	157	26	treated	treat	VERB
ajfti-5168	157	27	equally	equally	ADV
ajfti-5168	157	28	in	in	ADP
ajfti-5168	157	29	the	the	DET
ajfti-5168	157	30	model	model	NOUN
ajfti-5168	157	31	.	.	PUNCT
ajfti-5168	158	1	for	for	ADP
ajfti-5168	158	2	example	example	NOUN
ajfti-5168	158	3	,	,	PUNCT
ajfti-5168	158	4	the	the	DET
ajfti-5168	158	5	learning	learning	NOUN
ajfti-5168	158	6	from	from	ADP
ajfti-5168	158	7	data	datum	NOUN
ajfti-5168	158	8	which	which	PRON
ajfti-5168	158	9	contains	contain	VERB
ajfti-5168	158	10	large	large	ADJ
ajfti-5168	158	11	numerical	numerical	ADJ
ajfti-5168	158	12	values	value	NOUN
ajfti-5168	158	13	might	might	AUX
ajfti-5168	158	14	be	be	AUX
ajfti-5168	158	15	biased	bias	VERB
ajfti-5168	158	16	if	if	SCONJ
ajfti-5168	158	17	they	they	PRON
ajfti-5168	158	18	are	be	AUX
ajfti-5168	158	19	not	not	PART
ajfti-5168	158	20	normalized	normalize	VERB
ajfti-5168	158	21	.	.	PUNCT
ajfti-5168	159	1	two	two	NUM
ajfti-5168	159	2	common	common	ADJ
ajfti-5168	159	3	ways	way	NOUN
ajfti-5168	159	4	of	of	ADP
ajfti-5168	159	5	transforming	transform	VERB
ajfti-5168	159	6	data	datum	NOUN
ajfti-5168	159	7	are	be	AUX
ajfti-5168	159	8	known	know	VERB
ajfti-5168	159	9	as	as	ADP
ajfti-5168	159	10	“	"	PUNCT
ajfti-5168	159	11	z	z	NOUN
ajfti-5168	159	12	-	-	PUNCT
ajfti-5168	159	13	score	score	NOUN
ajfti-5168	159	14	normalization	normalization	NOUN
ajfti-5168	159	15	”	"	PUNCT
ajfti-5168	159	16	and	and	CCONJ
ajfti-5168	159	17	“	"	PUNCT
ajfti-5168	159	18	min	min	ADJ
ajfti-5168	159	19	-	-	ADJ
ajfti-5168	159	20	max	max	ADJ
ajfti-5168	159	21	scaling	scaling	NOUN
ajfti-5168	159	22	”	"	PUNCT
ajfti-5168	159	23	,	,	PUNCT
ajfti-5168	159	24	which	which	PRON
ajfti-5168	159	25	normalize	normalize	VERB
ajfti-5168	159	26	the	the	DET
ajfti-5168	159	27	data	datum	NOUN
ajfti-5168	159	28	to	to	ADP
ajfti-5168	159	29	a	a	DET
ajfti-5168	159	30	common	common	ADJ
ajfti-5168	159	31	range	range	NOUN
ajfti-5168	159	32	or	or	CCONJ
ajfti-5168	159	33	distribution	distribution	NOUN
ajfti-5168	159	34	(	(	PUNCT
ajfti-5168	159	35	bello	bello	PROPN
ajfti-5168	159	36	et	et	PROPN
ajfti-5168	159	37	al	al	PROPN
ajfti-5168	159	38	.	.	PROPN
ajfti-5168	159	39	,	,	PUNCT
ajfti-5168	159	40	2024	2024	NUM
ajfti-5168	159	41	)	)	PUNCT
ajfti-5168	159	42	.	.	PUNCT
ajfti-5168	160	1	effective	effective	ADJ
ajfti-5168	160	2	preprocessing	preprocessing	NOUN
ajfti-5168	160	3	is	be	AUX
ajfti-5168	160	4	important	important	ADJ
ajfti-5168	160	5	for	for	ADP
ajfti-5168	160	6	the	the	DET
ajfti-5168	160	7	training	training	NOUN
ajfti-5168	160	8	of	of	ADP
ajfti-5168	160	9	accurate	accurate	ADJ
ajfti-5168	160	10	fraud	fraud	NOUN
ajfti-5168	160	11	detection	detection	NOUN
ajfti-5168	160	12	models	model	NOUN
ajfti-5168	160	13	.	.	PUNCT
ajfti-5168	161	1	every	every	PRON
ajfti-5168	161	2	properly	properly	ADV
ajfti-5168	161	3	cleaned	clean	VERB
ajfti-5168	161	4	and	and	CCONJ
ajfti-5168	161	5	well	well	ADV
ajfti-5168	161	6	-	-	PUNCT
ajfti-5168	161	7	engineered	engineer	VERB
ajfti-5168	161	8	data	datum	NOUN
ajfti-5168	161	9	can	can	AUX
ajfti-5168	161	10	significantly	significantly	ADV
ajfti-5168	161	11	improve	improve	VERB
ajfti-5168	161	12	the	the	DET
ajfti-5168	161	13	performance	performance	NOUN
ajfti-5168	161	14	of	of	ADP
ajfti-5168	161	15	machine	machine	NOUN
ajfti-5168	161	16	learning	learning	NOUN
ajfti-5168	161	17	algorithms	algorithm	NOUN
ajfti-5168	161	18	,	,	PUNCT
ajfti-5168	161	19	which	which	PRON
ajfti-5168	161	20	can	can	AUX
ajfti-5168	161	21	in	in	ADP
ajfti-5168	161	22	turn	turn	NOUN
ajfti-5168	161	23	lead	lead	VERB
ajfti-5168	161	24	to	to	ADP
ajfti-5168	161	25	more	more	ADV
ajfti-5168	161	26	reliable	reliable	ADJ
ajfti-5168	161	27	fraud	fraud	NOUN
ajfti-5168	161	28	detection	detection	NOUN
ajfti-5168	161	29	.	.	PUNCT
ajfti-5168	162	1	model	model	NOUN
ajfti-5168	162	2	evaluation	evaluation	NOUN
ajfti-5168	162	3	and	and	CCONJ
ajfti-5168	162	4	metrics	metric	NOUN
ajfti-5168	162	5	model	model	NOUN
ajfti-5168	162	6	evaluation	evaluation	NOUN
ajfti-5168	162	7	is	be	AUX
ajfti-5168	162	8	a	a	DET
ajfti-5168	162	9	crucial	crucial	ADJ
ajfti-5168	162	10	step	step	NOUN
ajfti-5168	162	11	in	in	ADP
ajfti-5168	162	12	fraud	fraud	NOUN
ajfti-5168	162	13	detection	detection	NOUN
ajfti-5168	162	14	modelling	modelling	NOUN
ajfti-5168	162	15	to	to	PART
ajfti-5168	162	16	ascertain	ascertain	VERB
ajfti-5168	162	17	that	that	SCONJ
ajfti-5168	162	18	the	the	DET
ajfti-5168	162	19	models	model	NOUN
ajfti-5168	162	20	used	use	VERB
ajfti-5168	162	21	are	be	AUX
ajfti-5168	162	22	performing	perform	VERB
ajfti-5168	162	23	effectively	effectively	ADV
ajfti-5168	162	24	and	and	CCONJ
ajfti-5168	162	25	can	can	AUX
ajfti-5168	162	26	be	be	AUX
ajfti-5168	162	27	relied	rely	VERB
ajfti-5168	162	28	on	on	ADP
ajfti-5168	162	29	.	.	PUNCT
ajfti-5168	163	1	several	several	ADJ
ajfti-5168	163	2	performance	performance	NOUN
ajfti-5168	163	3	metrics	metric	NOUN
ajfti-5168	163	4	are	be	AUX
ajfti-5168	163	5	analysed	analyse	VERB
ajfti-5168	163	6	in	in	ADP
ajfti-5168	163	7	order	order	NOUN
ajfti-5168	163	8	to	to	PART
ajfti-5168	163	9	assess	assess	VERB
ajfti-5168	163	10	the	the	DET
ajfti-5168	163	11	model	model	NOUN
ajfti-5168	163	12	’s	’s	PART
ajfti-5168	163	13	capability	capability	NOUN
ajfti-5168	163	14	of	of	ADP
ajfti-5168	163	15	being	be	AUX
ajfti-5168	163	16	not	not	PART
ajfti-5168	163	17	only	only	ADV
ajfti-5168	163	18	effective	effective	ADJ
ajfti-5168	163	19	at	at	ADP
ajfti-5168	163	20	detecting	detect	VERB
ajfti-5168	163	21	fraud	fraud	NOUN
ajfti-5168	163	22	,	,	PUNCT
ajfti-5168	163	23	but	but	CCONJ
ajfti-5168	163	24	also	also	ADV
ajfti-5168	163	25	being	be	AUX
ajfti-5168	163	26	able	able	ADJ
ajfti-5168	163	27	to	to	PART
ajfti-5168	163	28	minimize	minimize	VERB
ajfti-5168	163	29	false	false	ADJ
ajfti-5168	163	30	positives	positive	NOUN
ajfti-5168	163	31	,	,	PUNCT
ajfti-5168	163	32	as	as	ADV
ajfti-5168	163	33	well	well	ADV
ajfti-5168	163	34	as	as	ADP
ajfti-5168	163	35	minimizing	minimize	VERB
ajfti-5168	163	36	frauds	fraud	NOUN
ajfti-5168	163	37	that	that	PRON
ajfti-5168	163	38	are	be	AUX
ajfti-5168	163	39	missed	miss	VERB
ajfti-5168	163	40	.	.	PUNCT
ajfti-5168	164	1	a	a	DET
ajfti-5168	164	2	common	common	ADJ
ajfti-5168	164	3	metric	metric	NOUN
ajfti-5168	164	4	to	to	PART
ajfti-5168	164	5	apply	apply	VERB
ajfti-5168	164	6	is	be	AUX
ajfti-5168	164	7	“	"	PUNCT
ajfti-5168	164	8	accuracy	accuracy	NOUN
ajfti-5168	164	9	”	"	PUNCT
ajfti-5168	164	10	,	,	PUNCT
ajfti-5168	164	11	which	which	PRON
ajfti-5168	164	12	may	may	AUX
ajfti-5168	164	13	not	not	PART
ajfti-5168	164	14	be	be	AUX
ajfti-5168	164	15	a	a	DET
ajfti-5168	164	16	sufficient	sufficient	ADJ
ajfti-5168	164	17	measure	measure	NOUN
ajfti-5168	164	18	in	in	ADP
ajfti-5168	164	19	the	the	DET
ajfti-5168	164	20	case	case	NOUN
ajfti-5168	164	21	of	of	ADP
ajfti-5168	164	22	fraud	fraud	NOUN
ajfti-5168	164	23	detection	detection	NOUN
ajfti-5168	164	24	as	as	SCONJ
ajfti-5168	164	25	there	there	PRON
ajfti-5168	164	26	is	be	VERB
ajfti-5168	164	27	an	an	DET
ajfti-5168	164	28	imbalanced	imbalanced	ADJ
ajfti-5168	164	29	class	class	NOUN
ajfti-5168	164	30	problem	problem	NOUN
ajfti-5168	164	31	in	in	ADP
ajfti-5168	164	32	which	which	PRON
ajfti-5168	164	33	the	the	DET
ajfti-5168	164	34	fraudulent	fraudulent	ADJ
ajfti-5168	164	35	transactions	transaction	NOUN
ajfti-5168	164	36	are	be	AUX
ajfti-5168	164	37	a	a	DET
ajfti-5168	164	38	very	very	ADV
ajfti-5168	164	39	small	small	ADJ
ajfti-5168	164	40	count	count	NOUN
ajfti-5168	164	41	as	as	SCONJ
ajfti-5168	164	42	compared	compare	VERB
ajfti-5168	164	43	to	to	ADP
ajfti-5168	164	44	the	the	DET
ajfti-5168	164	45	legitimate	legitimate	ADJ
ajfti-5168	164	46	ones	one	NOUN
ajfti-5168	164	47	(	(	PUNCT
ajfti-5168	164	48	tejesh	tejesh	NOUN
ajfti-5168	164	49	et	et	PROPN
ajfti-5168	164	50	al	al	PROPN
ajfti-5168	164	51	.	.	PROPN
ajfti-5168	164	52	,	,	PUNCT
ajfti-5168	164	53	2025	2025	NUM
ajfti-5168	164	54	)	)	PUNCT
ajfti-5168	164	55	.	.	PUNCT
ajfti-5168	165	1	instead	instead	ADV
ajfti-5168	165	2	“	"	PUNCT
ajfti-5168	165	3	precision	precision	NOUN
ajfti-5168	165	4	”	"	PUNCT
ajfti-5168	165	5	and	and	CCONJ
ajfti-5168	165	6	“	"	PUNCT
ajfti-5168	165	7	recall	recall	NOUN
ajfti-5168	165	8	”	"	PUNCT
ajfti-5168	165	9	are	be	AUX
ajfti-5168	165	10	usually	usually	ADV
ajfti-5168	165	11	more	more	ADV
ajfti-5168	165	12	useful	useful	ADJ
ajfti-5168	165	13	.	.	PUNCT
ajfti-5168	166	1	precision	precision	NOUN
ajfti-5168	166	2	is	be	AUX
ajfti-5168	166	3	the	the	DET
ajfti-5168	166	4	percentage	percentage	NOUN
ajfti-5168	166	5	of	of	ADP
ajfti-5168	166	6	actual	actual	ADJ
ajfti-5168	166	7	positive	positive	ADJ
ajfti-5168	166	8	cases	case	NOUN
ajfti-5168	166	9	of	of	ADP
ajfti-5168	166	10	fraud	fraud	NOUN
ajfti-5168	166	11	that	that	PRON
ajfti-5168	166	12	were	be	AUX
ajfti-5168	166	13	predicted	predict	VERB
ajfti-5168	166	14	to	to	PART
ajfti-5168	166	15	be	be	AUX
ajfti-5168	166	16	fraud	fraud	NOUN
ajfti-5168	166	17	out	out	ADP
ajfti-5168	166	18	of	of	ADP
ajfti-5168	166	19	all	all	DET
ajfti-5168	166	20	cases	case	NOUN
ajfti-5168	166	21	that	that	PRON
ajfti-5168	166	22	were	be	AUX
ajfti-5168	166	23	predicted	predict	VERB
ajfti-5168	166	24	as	as	ADP
ajfti-5168	166	25	fraud	fraud	NOUN
ajfti-5168	166	26	,	,	PUNCT
ajfti-5168	166	27	and	and	CCONJ
ajfti-5168	166	28	recall	recall	PROPN
ajfti-5168	166	29	means	mean	VERB
ajfti-5168	166	30	the	the	DET
ajfti-5168	166	31	percentage	percentage	NOUN
ajfti-5168	166	32	of	of	ADP
ajfti-5168	166	33	actual	actual	ADJ
ajfti-5168	166	34	positive	positive	ADJ
ajfti-5168	166	35	cases	case	NOUN
ajfti-5168	166	36	of	of	ADP
ajfti-5168	166	37	fraud	fraud	NOUN
ajfti-5168	166	38	that	that	PRON
ajfti-5168	166	39	were	be	AUX
ajfti-5168	166	40	correctly	correctly	ADV
ajfti-5168	166	41	predicted	predict	VERB
ajfti-5168	166	42	by	by	ADP
ajfti-5168	166	43	the	the	DET
ajfti-5168	166	44	model	model	NOUN
ajfti-5168	166	45	(	(	PUNCT
ajfti-5168	166	46	dangsawang	dangsawang	PROPN
ajfti-5168	166	47	&	&	CCONJ
ajfti-5168	166	48	nuchitprasitchai	nuchitprasitchai	ADJ
ajfti-5168	166	49	,	,	PUNCT
ajfti-5168	166	50	2024	2024	NUM
ajfti-5168	166	51	)	)	PUNCT
ajfti-5168	166	52	.	.	PUNCT
ajfti-5168	167	1	the	the	DET
ajfti-5168	167	2	“	"	PUNCT
ajfti-5168	167	3	f1score	f1score	NOUN
ajfti-5168	167	4	”	"	PUNCT
ajfti-5168	167	5	,	,	PUNCT
ajfti-5168	167	6	being	be	AUX
ajfti-5168	167	7	the	the	DET
ajfti-5168	167	8	harmonic	harmonic	ADJ
ajfti-5168	167	9	mean	mean	NOUN
ajfti-5168	167	10	of	of	ADP
ajfti-5168	167	11	precision	precision	NOUN
ajfti-5168	167	12	and	and	CCONJ
ajfti-5168	167	13	recall	recall	NOUN
ajfti-5168	167	14	provides	provide	VERB
ajfti-5168	167	15	a	a	DET
ajfti-5168	167	16	single	single	ADJ
ajfti-5168	167	17	measure	measure	NOUN
ajfti-5168	167	18	that	that	PRON
ajfti-5168	167	19	is	be	AUX
ajfti-5168	167	20	used	use	VERB
ajfti-5168	167	21	to	to	PART
ajfti-5168	167	22	balance	balance	VERB
ajfti-5168	167	23	both	both	PRON
ajfti-5168	167	24	and	and	CCONJ
ajfti-5168	167	25	is	be	AUX
ajfti-5168	167	26	particularly	particularly	ADV
ajfti-5168	167	27	useful	useful	ADJ
ajfti-5168	167	28	in	in	ADP
ajfti-5168	167	29	cases	case	NOUN
ajfti-5168	167	30	of	of	ADP
ajfti-5168	167	31	class	class	NOUN
ajfti-5168	167	32	imbalance	imbalance	NOUN
ajfti-5168	167	33	.	.	PUNCT
ajfti-5168	168	1	receiver	receiver	ADJ
ajfti-5168	168	2	operating	operate	VERB
ajfti-5168	168	3	characteristic	characteristic	ADJ
ajfti-5168	168	4	area	area	NOUN
ajfti-5168	168	5	under	under	ADP
ajfti-5168	168	6	the	the	DET
ajfti-5168	168	7	curve	curve	NOUN
ajfti-5168	168	8	pa	pa	PROPN
ajfti-5168	168	9	ge	ge	PROPN
ajfti-5168	168	10	18	18	NUM
ajfti-5168	168	11	2	2	NUM
ajfti-5168	168	12	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-5168	168	13	am	be	AUX
ajfti-5168	168	14	.	.	PUNCT
ajfti-5168	169	1	j.	j.	PROPN
ajfti-5168	169	2	financ	financ	PROPN
ajfti-5168	169	3	.	.	PUNCT
ajfti-5168	170	1	technol	technol	PROPN
ajfti-5168	170	2	.	.	PUNCT
ajfti-5168	170	3	innov	innov	PROPN
ajfti-5168	170	4	.	.	PUNCT
ajfti-5168	171	1	3(1	3(1	NUM
ajfti-5168	171	2	)	)	PUNCT
ajfti-5168	171	3	177	177	NUM
ajfti-5168	171	4	-	-	SYM
ajfti-5168	171	5	187	187	NUM
ajfti-5168	171	6	,	,	PUNCT
ajfti-5168	171	7	2025	2025	NUM
ajfti-5168	171	8	(	(	PUNCT
ajfti-5168	171	9	roc	roc	NOUN
ajfti-5168	171	10	-	-	PUNCT
ajfti-5168	171	11	auc	auc	NOUN
ajfti-5168	171	12	)	)	PUNCT
ajfti-5168	171	13	analysis	analysis	NOUN
ajfti-5168	171	14	is	be	AUX
ajfti-5168	171	15	another	another	DET
ajfti-5168	171	16	commonly	commonly	ADV
ajfti-5168	171	17	used	use	VERB
ajfti-5168	171	18	metric	metric	NOUN
ajfti-5168	171	19	,	,	PUNCT
ajfti-5168	171	20	which	which	PRON
ajfti-5168	171	21	examines	examine	VERB
ajfti-5168	171	22	the	the	DET
ajfti-5168	171	23	true	true	ADJ
ajfti-5168	171	24	-	-	PUNCT
ajfti-5168	171	25	positive	positive	ADJ
ajfti-5168	171	26	versus	versus	ADP
ajfti-5168	171	27	false	false	ADJ
ajfti-5168	171	28	-	-	PUNCT
ajfti-5168	171	29	positive	positive	ADJ
ajfti-5168	171	30	ratio	ratio	NOUN
ajfti-5168	171	31	across	across	ADP
ajfti-5168	171	32	various	various	ADJ
ajfti-5168	171	33	thresholds	threshold	NOUN
ajfti-5168	171	34	(	(	PUNCT
ajfti-5168	171	35	trucco	trucco	X
ajfti-5168	171	36	et	et	PROPN
ajfti-5168	171	37	al	al	PROPN
ajfti-5168	171	38	.	.	PROPN
ajfti-5168	171	39	,	,	PUNCT
ajfti-5168	171	40	2019	2019	NUM
ajfti-5168	171	41	)	)	PUNCT
ajfti-5168	171	42	.	.	PUNCT
ajfti-5168	172	1	these	these	DET
ajfti-5168	172	2	measures	measure	NOUN
ajfti-5168	172	3	help	help	VERB
ajfti-5168	172	4	account	account	VERB
ajfti-5168	172	5	for	for	ADP
ajfti-5168	172	6	the	the	DET
ajfti-5168	172	7	fact	fact	NOUN
ajfti-5168	172	8	that	that	SCONJ
ajfti-5168	172	9	there	there	PRON
ajfti-5168	172	10	is	be	VERB
ajfti-5168	172	11	a	a	DET
ajfti-5168	172	12	trade	trade	NOUN
ajfti-5168	172	13	-	-	PUNCT
ajfti-5168	172	14	off	off	NOUN
ajfti-5168	172	15	between	between	ADP
ajfti-5168	172	16	detecting	detect	VERB
ajfti-5168	172	17	fraud	fraud	NOUN
ajfti-5168	172	18	and	and	CCONJ
ajfti-5168	172	19	annoying	annoy	VERB
ajfti-5168	172	20	a	a	DET
ajfti-5168	172	21	nonfraudulent	nonfraudulent	ADJ
ajfti-5168	172	22	customer	customer	NOUN
ajfti-5168	172	23	.	.	PUNCT
ajfti-5168	173	1	these	these	DET
ajfti-5168	173	2	metrics	metric	NOUN
ajfti-5168	173	3	are	be	AUX
ajfti-5168	173	4	hence	hence	ADV
ajfti-5168	173	5	optimized	optimize	VERB
ajfti-5168	173	6	since	since	ADV
ajfti-5168	173	7	,	,	PUNCT
ajfti-5168	173	8	in	in	ADP
ajfti-5168	173	9	order	order	NOUN
ajfti-5168	173	10	to	to	PART
ajfti-5168	173	11	provide	provide	VERB
ajfti-5168	173	12	useful	useful	ADJ
ajfti-5168	173	13	and	and	CCONJ
ajfti-5168	173	14	accurate	accurate	ADJ
ajfti-5168	173	15	outputs	output	NOUN
ajfti-5168	173	16	,	,	PUNCT
ajfti-5168	173	17	aibased	aibased	ADJ
ajfti-5168	173	18	fraud	fraud	NOUN
ajfti-5168	173	19	detection	detection	NOUN
ajfti-5168	173	20	tools	tool	NOUN
ajfti-5168	173	21	need	need	VERB
ajfti-5168	173	22	to	to	PART
ajfti-5168	173	23	be	be	AUX
ajfti-5168	173	24	able	able	ADJ
ajfti-5168	173	25	to	to	PART
ajfti-5168	173	26	detect	detect	VERB
ajfti-5168	173	27	fraud	fraud	NOUN
ajfti-5168	173	28	in	in	ADP
ajfti-5168	173	29	real	real	ADJ
ajfti-5168	173	30	time	time	NOUN
ajfti-5168	173	31	,	,	PUNCT
ajfti-5168	173	32	while	while	SCONJ
ajfti-5168	173	33	not	not	PART
ajfti-5168	173	34	impinging	impinge	VERB
ajfti-5168	173	35	unduly	unduly	ADV
ajfti-5168	173	36	on	on	ADP
ajfti-5168	173	37	legitimate	legitimate	ADJ
ajfti-5168	173	38	users	user	NOUN
ajfti-5168	173	39	.	.	PUNCT
ajfti-5168	174	1	applications	application	NOUN
ajfti-5168	174	2	of	of	ADP
ajfti-5168	174	3	ai	ai	ADJ
ajfti-5168	174	4	-	-	PUNCT
ajfti-5168	174	5	driven	drive	VERB
ajfti-5168	174	6	fraud	fraud	NOUN
ajfti-5168	174	7	detection	detection	NOUN
ajfti-5168	174	8	in	in	ADP
ajfti-5168	174	9	digital	digital	ADJ
ajfti-5168	174	10	banking	banking	NOUN
ajfti-5168	174	11	in	in	ADP
ajfti-5168	174	12	the	the	DET
ajfti-5168	174	13	last	last	ADJ
ajfti-5168	174	14	few	few	ADJ
ajfti-5168	174	15	years	year	NOUN
ajfti-5168	174	16	,	,	PUNCT
ajfti-5168	174	17	a	a	DET
ajfti-5168	174	18	number	number	NOUN
ajfti-5168	174	19	of	of	ADP
ajfti-5168	174	20	banks	bank	NOUN
ajfti-5168	174	21	and	and	CCONJ
ajfti-5168	174	22	financial	financial	ADJ
ajfti-5168	174	23	institutions	institution	NOUN
ajfti-5168	174	24	have	have	AUX
ajfti-5168	174	25	adopted	adopt	VERB
ajfti-5168	174	26	aiml	aiml	NOUN
ajfti-5168	174	27	systems	system	NOUN
ajfti-5168	174	28	successfully	successfully	ADV
ajfti-5168	174	29	into	into	ADP
ajfti-5168	174	30	their	their	PRON
ajfti-5168	174	31	fraud	fraud	NOUN
ajfti-5168	174	32	detection	detection	NOUN
ajfti-5168	174	33	processes	process	NOUN
ajfti-5168	174	34	and	and	CCONJ
ajfti-5168	174	35	have	have	AUX
ajfti-5168	174	36	seen	see	VERB
ajfti-5168	174	37	major	major	ADJ
ajfti-5168	174	38	benefits	benefit	NOUN
ajfti-5168	174	39	in	in	ADP
ajfti-5168	174	40	their	their	PRON
ajfti-5168	174	41	fight	fight	NOUN
ajfti-5168	174	42	against	against	ADP
ajfti-5168	174	43	fraud	fraud	NOUN
ajfti-5168	174	44	.	.	PUNCT
ajfti-5168	175	1	this	this	PRON
ajfti-5168	175	2	is	be	AUX
ajfti-5168	175	3	especially	especially	ADV
ajfti-5168	175	4	clear	clear	ADJ
ajfti-5168	175	5	in	in	ADP
ajfti-5168	175	6	the	the	DET
ajfti-5168	175	7	case	case	NOUN
ajfti-5168	175	8	of	of	ADP
ajfti-5168	175	9	“	"	PUNCT
ajfti-5168	175	10	ai	ai	NOUN
ajfti-5168	175	11	-	-	PUNCT
ajfti-5168	175	12	based	base	VERB
ajfti-5168	175	13	credit	credit	NOUN
ajfti-5168	175	14	card	card	NOUN
ajfti-5168	175	15	fraud	fraud	NOUN
ajfti-5168	175	16	detection	detection	NOUN
ajfti-5168	175	17	systems	system	NOUN
ajfti-5168	175	18	”	"	PUNCT
ajfti-5168	175	19	.	.	PUNCT
ajfti-5168	176	1	for	for	ADP
ajfti-5168	176	2	example	example	NOUN
ajfti-5168	176	3	,	,	PUNCT
ajfti-5168	176	4	big	big	ADJ
ajfti-5168	176	5	banking	banking	NOUN
ajfti-5168	176	6	companies	company	NOUN
ajfti-5168	176	7	like	like	ADP
ajfti-5168	176	8	american	american	PROPN
ajfti-5168	176	9	express	express	VERB
ajfti-5168	176	10	and	and	CCONJ
ajfti-5168	176	11	citibank	citibank	PROPN
ajfti-5168	176	12	already	already	ADV
ajfti-5168	176	13	implement	implement	VERB
ajfti-5168	176	14	real	real	ADJ
ajfti-5168	176	15	-	-	PUNCT
ajfti-5168	176	16	time	time	NOUN
ajfti-5168	176	17	ai	ai	NOUN
ajfti-5168	176	18	solutions	solution	NOUN
ajfti-5168	176	19	that	that	PRON
ajfti-5168	176	20	mine	mine	VERB
ajfti-5168	176	21	massive	massive	ADJ
ajfti-5168	176	22	datasets	dataset	NOUN
ajfti-5168	176	23	of	of	ADP
ajfti-5168	176	24	transactions	transaction	NOUN
ajfti-5168	176	25	by	by	ADP
ajfti-5168	176	26	identifying	identify	VERB
ajfti-5168	176	27	patterns	pattern	NOUN
ajfti-5168	176	28	within	within	ADP
ajfti-5168	176	29	this	this	DET
ajfti-5168	176	30	data	datum	NOUN
ajfti-5168	176	31	(	(	PUNCT
ajfti-5168	176	32	mejia	mejia	PROPN
ajfti-5168	176	33	,	,	PUNCT
ajfti-5168	176	34	2019	2019	NUM
ajfti-5168	176	35	;	;	PUNCT
ajfti-5168	176	36	owen	owen	NOUN
ajfti-5168	176	37	,	,	PUNCT
ajfti-5168	176	38	2021	2021	NUM
ajfti-5168	176	39	)	)	PUNCT
ajfti-5168	176	40	.	.	PUNCT
ajfti-5168	177	1	the	the	DET
ajfti-5168	177	2	systems	system	NOUN
ajfti-5168	177	3	flag	flag	VERB
ajfti-5168	177	4	these	these	DET
ajfti-5168	177	5	unusual	unusual	ADJ
ajfti-5168	177	6	behaviours	behaviour	NOUN
ajfti-5168	177	7	,	,	PUNCT
ajfti-5168	177	8	such	such	ADJ
ajfti-5168	177	9	as	as	ADP
ajfti-5168	177	10	when	when	SCONJ
ajfti-5168	177	11	international	international	ADJ
ajfti-5168	177	12	transactions	transaction	NOUN
ajfti-5168	177	13	of	of	ADP
ajfti-5168	177	14	high	high	ADJ
ajfti-5168	177	15	dollar	dollar	NOUN
ajfti-5168	177	16	amount	amount	NOUN
ajfti-5168	177	17	suddenly	suddenly	ADV
ajfti-5168	177	18	increase	increase	VERB
ajfti-5168	177	19	or	or	CCONJ
ajfti-5168	177	20	spending	spending	NOUN
ajfti-5168	177	21	habits	habit	NOUN
ajfti-5168	177	22	shift	shift	VERB
ajfti-5168	177	23	rapidly	rapidly	ADV
ajfti-5168	177	24	,	,	PUNCT
ajfti-5168	177	25	as	as	ADP
ajfti-5168	177	26	potentially	potentially	ADV
ajfti-5168	177	27	fraudulent	fraudulent	ADJ
ajfti-5168	177	28	.	.	PUNCT
ajfti-5168	178	1	these	these	DET
ajfti-5168	178	2	ai	ai	PROPN
ajfti-5168	178	3	models	model	NOUN
ajfti-5168	178	4	keep	keep	VERB
ajfti-5168	178	5	learning	learn	VERB
ajfti-5168	178	6	from	from	ADP
ajfti-5168	178	7	every	every	DET
ajfti-5168	178	8	new	new	ADJ
ajfti-5168	178	9	transaction	transaction	NOUN
ajfti-5168	178	10	they	they	PRON
ajfti-5168	178	11	analyse	analyse	VERB
ajfti-5168	178	12	,	,	PUNCT
ajfti-5168	178	13	thus	thus	ADV
ajfti-5168	178	14	getting	get	VERB
ajfti-5168	178	15	better	well	ADJ
ajfti-5168	178	16	over	over	ADP
ajfti-5168	178	17	time	time	NOUN
ajfti-5168	178	18	in	in	ADP
ajfti-5168	178	19	identifying	identify	VERB
ajfti-5168	178	20	new	new	ADJ
ajfti-5168	178	21	types	type	NOUN
ajfti-5168	178	22	of	of	ADP
ajfti-5168	178	23	fraudulent	fraudulent	ADJ
ajfti-5168	178	24	schemes	scheme	NOUN
ajfti-5168	178	25	and	and	CCONJ
ajfti-5168	178	26	minimizing	minimize	VERB
ajfti-5168	178	27	false	false	ADJ
ajfti-5168	178	28	positives	positive	NOUN
ajfti-5168	178	29	.	.	PUNCT
ajfti-5168	179	1	the	the	DET
ajfti-5168	179	2	other	other	ADJ
ajfti-5168	179	3	is	be	AUX
ajfti-5168	179	4	“	"	PUNCT
ajfti-5168	179	5	anti	anti	ADJ
ajfti-5168	179	6	-	-	ADJ
ajfti-5168	179	7	money	money	ADJ
ajfti-5168	179	8	laundering	laundering	NOUN
ajfti-5168	179	9	(	(	PUNCT
ajfti-5168	179	10	aml	aml	PROPN
ajfti-5168	179	11	)	)	PUNCT
ajfti-5168	179	12	systems	system	NOUN
ajfti-5168	179	13	”	"	PUNCT
ajfti-5168	179	14	,	,	PUNCT
ajfti-5168	179	15	which	which	PRON
ajfti-5168	179	16	also	also	ADV
ajfti-5168	179	17	have	have	AUX
ajfti-5168	179	18	been	be	AUX
ajfti-5168	179	19	successful	successful	ADJ
ajfti-5168	179	20	in	in	ADP
ajfti-5168	179	21	deploying	deploy	VERB
ajfti-5168	179	22	ai	ai	VERB
ajfti-5168	179	23	to	to	PART
ajfti-5168	179	24	detect	detect	VERB
ajfti-5168	179	25	fraud	fraud	NOUN
ajfti-5168	179	26	.	.	PUNCT
ajfti-5168	180	1	these	these	DET
ajfti-5168	180	2	days	day	NOUN
ajfti-5168	180	3	,	,	PUNCT
ajfti-5168	180	4	banks	bank	NOUN
ajfti-5168	180	5	and	and	CCONJ
ajfti-5168	180	6	financial	financial	ADJ
ajfti-5168	180	7	institutions	institution	NOUN
ajfti-5168	180	8	apply	apply	VERB
ajfti-5168	180	9	ai	ai	VERB
ajfti-5168	180	10	to	to	PART
ajfti-5168	180	11	detect	detect	VERB
ajfti-5168	180	12	suspicious	suspicious	ADJ
ajfti-5168	180	13	transactions	transaction	NOUN
ajfti-5168	180	14	connected	connect	VERB
ajfti-5168	180	15	with	with	ADP
ajfti-5168	180	16	money	money	NOUN
ajfti-5168	180	17	laundering	laundering	NOUN
ajfti-5168	180	18	processes	process	NOUN
ajfti-5168	180	19	(	(	PUNCT
ajfti-5168	180	20	oyedokun	oyedokun	NOUN
ajfti-5168	180	21	et	et	PROPN
ajfti-5168	180	22	al	al	PROPN
ajfti-5168	180	23	.	.	PROPN
ajfti-5168	180	24	,	,	PUNCT
ajfti-5168	180	25	2024	2024	NUM
ajfti-5168	180	26	)	)	PUNCT
ajfti-5168	180	27	.	.	PUNCT
ajfti-5168	181	1	for	for	ADP
ajfti-5168	181	2	instance	instance	NOUN
ajfti-5168	181	3	,	,	PUNCT
ajfti-5168	181	4	systems	system	NOUN
ajfti-5168	181	5	can	can	AUX
ajfti-5168	181	6	identify	identify	VERB
ajfti-5168	181	7	transaction	transaction	NOUN
ajfti-5168	181	8	networks	network	NOUN
ajfti-5168	181	9	in	in	ADP
ajfti-5168	181	10	patterns	pattern	NOUN
ajfti-5168	181	11	typical	typical	ADJ
ajfti-5168	181	12	of	of	ADP
ajfti-5168	181	13	money	money	NOUN
ajfti-5168	181	14	laundering	laundering	NOUN
ajfti-5168	181	15	,	,	PUNCT
ajfti-5168	181	16	such	such	ADJ
ajfti-5168	181	17	as	as	ADP
ajfti-5168	181	18	layering	layering	NOUN
ajfti-5168	181	19	and	and	CCONJ
ajfti-5168	181	20	integration	integration	NOUN
ajfti-5168	181	21	stages	stage	NOUN
ajfti-5168	181	22	.	.	PUNCT
ajfti-5168	182	1	these	these	DET
ajfti-5168	182	2	examples	example	NOUN
ajfti-5168	182	3	capture	capture	VERB
ajfti-5168	182	4	the	the	DET
ajfti-5168	182	5	use	use	NOUN
ajfti-5168	182	6	of	of	ADP
ajfti-5168	182	7	ai	ai	VERB
ajfti-5168	182	8	for	for	ADP
ajfti-5168	182	9	the	the	DET
ajfti-5168	182	10	augmentation	augmentation	NOUN
ajfti-5168	182	11	of	of	ADP
ajfti-5168	182	12	fraud	fraud	NOUN
ajfti-5168	182	13	detection	detection	NOUN
ajfti-5168	182	14	systems	system	NOUN
ajfti-5168	182	15	,	,	PUNCT
ajfti-5168	182	16	demonstrating	demonstrate	VERB
ajfti-5168	182	17	its	its	PRON
ajfti-5168	182	18	capability	capability	NOUN
ajfti-5168	182	19	as	as	ADP
ajfti-5168	182	20	a	a	DET
ajfti-5168	182	21	solution	solution	NOUN
ajfti-5168	182	22	to	to	PART
ajfti-5168	182	23	combat	combat	VERB
ajfti-5168	182	24	more	more	ADV
ajfti-5168	182	25	complicated	complicated	ADJ
ajfti-5168	182	26	forms	form	NOUN
ajfti-5168	182	27	of	of	ADP
ajfti-5168	182	28	financial	financial	ADJ
ajfti-5168	182	29	crime	crime	NOUN
ajfti-5168	182	30	that	that	PRON
ajfti-5168	182	31	can	can	AUX
ajfti-5168	182	32	not	not	PART
ajfti-5168	182	33	be	be	AUX
ajfti-5168	182	34	addressed	address	VERB
ajfti-5168	182	35	through	through	ADP
ajfti-5168	182	36	conventional	conventional	ADJ
ajfti-5168	182	37	methods	method	NOUN
ajfti-5168	182	38	.	.	PUNCT
ajfti-5168	183	1	ai	ai	AUX
ajfti-5168	183	2	-	-	PUNCT
ajfti-5168	183	3	powered	power	VERB
ajfti-5168	183	4	fraud	fraud	NOUN
ajfti-5168	183	5	prevention	prevention	NOUN
ajfti-5168	183	6	systems	system	NOUN
ajfti-5168	183	7	ai	ai	AUX
ajfti-5168	183	8	-	-	PUNCT
ajfti-5168	183	9	driven	drive	VERB
ajfti-5168	183	10	fraud	fraud	NOUN
ajfti-5168	183	11	prevention	prevention	NOUN
ajfti-5168	183	12	technology	technology	NOUN
ajfti-5168	183	13	is	be	AUX
ajfti-5168	183	14	now	now	ADV
ajfti-5168	183	15	embedded	embed	VERB
ajfti-5168	183	16	in	in	ADP
ajfti-5168	183	17	the	the	DET
ajfti-5168	183	18	core	core	NOUN
ajfti-5168	183	19	of	of	ADP
ajfti-5168	183	20	banking	banking	NOUN
ajfti-5168	183	21	technology	technology	NOUN
ajfti-5168	183	22	infrastructure	infrastructure	NOUN
ajfti-5168	183	23	and	and	CCONJ
ajfti-5168	183	24	offers	offer	VERB
ajfti-5168	183	25	automated	automate	VERB
ajfti-5168	183	26	,	,	PUNCT
ajfti-5168	183	27	real	real	ADJ
ajfti-5168	183	28	-	-	PUNCT
ajfti-5168	183	29	time	time	NOUN
ajfti-5168	183	30	fraud	fraud	NOUN
ajfti-5168	183	31	prevention	prevention	NOUN
ajfti-5168	183	32	solutions	solution	NOUN
ajfti-5168	183	33	.	.	PUNCT
ajfti-5168	184	1	rather	rather	ADV
ajfti-5168	184	2	,	,	PUNCT
ajfti-5168	184	3	banks	bank	NOUN
ajfti-5168	184	4	want	want	VERB
ajfti-5168	184	5	to	to	PART
ajfti-5168	184	6	deploy	deploy	VERB
ajfti-5168	184	7	machine	machine	NOUN
ajfti-5168	184	8	learning	learning	NOUN
ajfti-5168	184	9	models	model	NOUN
ajfti-5168	184	10	for	for	ADP
ajfti-5168	184	11	security	security	NOUN
ajfti-5168	184	12	by	by	ADP
ajfti-5168	184	13	means	mean	NOUN
ajfti-5168	184	14	of	of	ADP
ajfti-5168	184	15	analyzing	analyze	VERB
ajfti-5168	184	16	transactions	transaction	NOUN
ajfti-5168	184	17	on	on	ADP
ajfti-5168	184	18	the	the	DET
ajfti-5168	184	19	fly	fly	NOUN
ajfti-5168	184	20	.	.	PUNCT
ajfti-5168	185	1	these	these	PRON
ajfti-5168	185	2	can	can	AUX
ajfti-5168	185	3	automatically	automatically	ADV
ajfti-5168	185	4	identify	identify	VERB
ajfti-5168	185	5	cases	case	NOUN
ajfti-5168	185	6	where	where	SCONJ
ajfti-5168	185	7	the	the	DET
ajfti-5168	185	8	behaviour	behaviour	NOUN
ajfti-5168	185	9	of	of	ADP
ajfti-5168	185	10	a	a	DET
ajfti-5168	185	11	specific	specific	ADJ
ajfti-5168	185	12	user	user	NOUN
ajfti-5168	185	13	deviates	deviate	VERB
ajfti-5168	185	14	from	from	ADP
ajfti-5168	185	15	what	what	PRON
ajfti-5168	185	16	is	be	AUX
ajfti-5168	185	17	considered	consider	VERB
ajfti-5168	185	18	normal	normal	ADJ
ajfti-5168	185	19	–	–	PUNCT
ajfti-5168	185	20	for	for	ADP
ajfti-5168	185	21	instance	instance	NOUN
ajfti-5168	185	22	,	,	PUNCT
ajfti-5168	185	23	either	either	CCONJ
ajfti-5168	185	24	an	an	DET
ajfti-5168	185	25	unusual	unusual	ADJ
ajfti-5168	185	26	transaction	transaction	NOUN
ajfti-5168	185	27	or	or	CCONJ
ajfti-5168	185	28	a	a	DET
ajfti-5168	185	29	connection	connection	NOUN
ajfti-5168	185	30	from	from	ADP
ajfti-5168	185	31	an	an	DET
ajfti-5168	185	32	unusual	unusual	ADJ
ajfti-5168	185	33	place	place	NOUN
ajfti-5168	185	34	–	–	PUNCT
ajfti-5168	185	35	and	and	CCONJ
ajfti-5168	185	36	notify	notify	VERB
ajfti-5168	185	37	the	the	DET
ajfti-5168	185	38	authorities	authority	NOUN
ajfti-5168	185	39	to	to	PART
ajfti-5168	185	40	investigate	investigate	VERB
ajfti-5168	185	41	.	.	PUNCT
ajfti-5168	186	1	working	work	VERB
ajfti-5168	186	2	in	in	ADP
ajfti-5168	186	3	real	real	ADJ
ajfti-5168	186	4	time	time	NOUN
ajfti-5168	186	5	is	be	AUX
ajfti-5168	186	6	one	one	NUM
ajfti-5168	186	7	of	of	ADP
ajfti-5168	186	8	the	the	DET
ajfti-5168	186	9	major	major	ADJ
ajfti-5168	186	10	benefits	benefit	NOUN
ajfti-5168	186	11	of	of	ADP
ajfti-5168	186	12	ai	ai	VERB
ajfti-5168	186	13	for	for	ADP
ajfti-5168	186	14	fraud	fraud	NOUN
ajfti-5168	186	15	prevention	prevention	NOUN
ajfti-5168	186	16	.	.	PUNCT
ajfti-5168	187	1	while	while	SCONJ
ajfti-5168	187	2	rule	rule	NOUN
ajfti-5168	187	3	based	base	VERB
ajfti-5168	187	4	systems	system	NOUN
ajfti-5168	187	5	are	be	AUX
ajfti-5168	187	6	checked	check	VERB
ajfti-5168	187	7	and	and	CCONJ
ajfti-5168	187	8	worked	work	VERB
ajfti-5168	187	9	on	on	ADP
ajfti-5168	187	10	in	in	ADP
ajfti-5168	187	11	batches	batch	NOUN
ajfti-5168	187	12	or	or	CCONJ
ajfti-5168	187	13	through	through	ADP
ajfti-5168	187	14	review	review	NOUN
ajfti-5168	187	15	by	by	ADP
ajfti-5168	187	16	a	a	DET
ajfti-5168	187	17	human	human	NOUN
ajfti-5168	187	18	,	,	PUNCT
ajfti-5168	187	19	an	an	DET
ajfti-5168	187	20	ai	ai	NOUN
ajfti-5168	187	21	system	system	NOUN
ajfti-5168	187	22	has	have	VERB
ajfti-5168	187	23	the	the	DET
ajfti-5168	187	24	capacity	capacity	NOUN
ajfti-5168	187	25	of	of	ADP
ajfti-5168	187	26	running	run	VERB
ajfti-5168	187	27	continuously	continuously	ADV
ajfti-5168	187	28	and	and	CCONJ
ajfti-5168	187	29	being	be	AUX
ajfti-5168	187	30	reactive	reactive	ADJ
ajfti-5168	187	31	in	in	ADP
ajfti-5168	187	32	real	real	ADJ
ajfti-5168	187	33	-	-	PUNCT
ajfti-5168	187	34	time	time	NOUN
ajfti-5168	187	35	to	to	ADP
ajfti-5168	187	36	flags	flag	NOUN
ajfti-5168	187	37	of	of	ADP
ajfti-5168	187	38	suspicious	suspicious	ADJ
ajfti-5168	187	39	behaviour	behaviour	NOUN
ajfti-5168	187	40	.	.	PUNCT
ajfti-5168	188	1	should	should	AUX
ajfti-5168	188	2	the	the	DET
ajfti-5168	188	3	ai	ai	VERB
ajfti-5168	188	4	then	then	ADV
ajfti-5168	188	5	determine	determine	VERB
ajfti-5168	188	6	a	a	DET
ajfti-5168	188	7	transaction	transaction	NOUN
ajfti-5168	188	8	to	to	PART
ajfti-5168	188	9	be	be	AUX
ajfti-5168	188	10	suspicious	suspicious	ADJ
ajfti-5168	188	11	,	,	PUNCT
ajfti-5168	188	12	it	it	PRON
ajfti-5168	188	13	may	may	AUX
ajfti-5168	188	14	automatically	automatically	ADV
ajfti-5168	188	15	block	block	VERB
ajfti-5168	188	16	it	it	PRON
ajfti-5168	188	17	from	from	ADP
ajfti-5168	188	18	going	go	VERB
ajfti-5168	188	19	through	through	ADP
ajfti-5168	188	20	or	or	CCONJ
ajfti-5168	188	21	request	request	VERB
ajfti-5168	188	22	additional	additional	ADJ
ajfti-5168	188	23	verification	verification	NOUN
ajfti-5168	188	24	from	from	ADP
ajfti-5168	188	25	the	the	DET
ajfti-5168	188	26	customer	customer	NOUN
ajfti-5168	188	27	,	,	PUNCT
ajfti-5168	188	28	preventing	prevent	VERB
ajfti-5168	188	29	possibilities	possibility	NOUN
ajfti-5168	188	30	for	for	ADP
ajfti-5168	188	31	a	a	DET
ajfti-5168	188	32	fraudulent	fraudulent	ADJ
ajfti-5168	188	33	transaction	transaction	NOUN
ajfti-5168	188	34	,	,	PUNCT
ajfti-5168	188	35	while	while	SCONJ
ajfti-5168	188	36	still	still	ADV
ajfti-5168	188	37	allowing	allow	VERB
ajfti-5168	188	38	for	for	ADP
ajfti-5168	188	39	a	a	DET
ajfti-5168	188	40	frictionless	frictionless	NOUN
ajfti-5168	188	41	experience	experience	NOUN
ajfti-5168	188	42	for	for	ADP
ajfti-5168	188	43	valid	valid	ADJ
ajfti-5168	188	44	customers	customer	NOUN
ajfti-5168	188	45	.	.	PUNCT
ajfti-5168	189	1	plus	plus	CCONJ
ajfti-5168	189	2	,	,	PUNCT
ajfti-5168	189	3	ai	ai	PROPN
ajfti-5168	189	4	models	model	NOUN
ajfti-5168	189	5	are	be	AUX
ajfti-5168	189	6	very	very	ADV
ajfti-5168	189	7	effective	effective	ADJ
ajfti-5168	189	8	in	in	ADP
ajfti-5168	189	9	minimizing	minimize	VERB
ajfti-5168	189	10	false	false	ADJ
ajfti-5168	189	11	positives	positive	NOUN
ajfti-5168	189	12	,	,	PUNCT
ajfti-5168	189	13	or	or	CCONJ
ajfti-5168	189	14	transactions	transaction	NOUN
ajfti-5168	189	15	wrongly	wrongly	ADV
ajfti-5168	189	16	identified	identify	VERB
ajfti-5168	189	17	as	as	ADP
ajfti-5168	189	18	fraudulent	fraudulent	ADJ
ajfti-5168	189	19	.	.	PUNCT
ajfti-5168	190	1	the	the	DET
ajfti-5168	190	2	high	high	ADJ
ajfti-5168	190	3	number	number	NOUN
ajfti-5168	190	4	of	of	ADP
ajfti-5168	190	5	false	false	ADJ
ajfti-5168	190	6	alerts	alert	NOUN
ajfti-5168	190	7	in	in	ADP
ajfti-5168	190	8	conventional	conventional	ADJ
ajfti-5168	190	9	fraud	fraud	NOUN
ajfti-5168	190	10	detection	detection	NOUN
ajfti-5168	190	11	systems	system	NOUN
ajfti-5168	190	12	can	can	AUX
ajfti-5168	190	13	inundate	inundate	VERB
ajfti-5168	190	14	bank	bank	NOUN
ajfti-5168	190	15	employees	employee	NOUN
ajfti-5168	190	16	and	and	CCONJ
ajfti-5168	190	17	result	result	VERB
ajfti-5168	190	18	in	in	ADP
ajfti-5168	190	19	customer	customer	NOUN
ajfti-5168	190	20	dissatisfaction	dissatisfaction	NOUN
ajfti-5168	190	21	.	.	PUNCT
ajfti-5168	191	1	on	on	ADP
ajfti-5168	191	2	the	the	DET
ajfti-5168	191	3	contrary	contrary	NOUN
ajfti-5168	191	4	,	,	PUNCT
ajfti-5168	191	5	machine	machine	NOUN
ajfti-5168	191	6	learning	learn	VERB
ajfti-5168	191	7	algorithms	algorithm	NOUN
ajfti-5168	191	8	can	can	AUX
ajfti-5168	191	9	train	train	VERB
ajfti-5168	191	10	based	base	VERB
ajfti-5168	191	11	on	on	ADP
ajfti-5168	191	12	historical	historical	ADJ
ajfti-5168	191	13	data	datum	NOUN
ajfti-5168	191	14	so	so	SCONJ
ajfti-5168	191	15	to	to	PART
ajfti-5168	191	16	increase	increase	VERB
ajfti-5168	191	17	time	time	NOUN
ajfti-5168	191	18	by	by	ADP
ajfti-5168	191	19	time	time	NOUN
ajfti-5168	191	20	their	their	PRON
ajfti-5168	191	21	accuracy	accuracy	NOUN
ajfti-5168	191	22	in	in	ADP
ajfti-5168	191	23	classifying	classify	VERB
ajfti-5168	191	24	legitimate	legitimate	ADJ
ajfti-5168	191	25	versus	versus	ADP
ajfti-5168	191	26	fraudulent	fraudulent	ADJ
ajfti-5168	191	27	transactions	transaction	NOUN
ajfti-5168	191	28	.	.	PUNCT
ajfti-5168	192	1	also	also	ADV
ajfti-5168	192	2	,	,	PUNCT
ajfti-5168	192	3	ai	ai	VERB
ajfti-5168	192	4	fraud	fraud	NOUN
ajfti-5168	192	5	prevention	prevention	NOUN
ajfti-5168	192	6	systems	system	NOUN
ajfti-5168	192	7	are	be	AUX
ajfti-5168	192	8	continuously	continuously	ADV
ajfti-5168	192	9	updated	update	VERB
ajfti-5168	192	10	to	to	PART
ajfti-5168	192	11	be	be	AUX
ajfti-5168	192	12	ahead	ahead	ADV
ajfti-5168	192	13	of	of	ADP
ajfti-5168	192	14	new	new	ADJ
ajfti-5168	192	15	fraud	fraud	NOUN
ajfti-5168	192	16	strategies	strategy	NOUN
ajfti-5168	192	17	.	.	PUNCT
ajfti-5168	193	1	they	they	PRON
ajfti-5168	193	2	also	also	ADV
ajfti-5168	193	3	improve	improve	VERB
ajfti-5168	193	4	detection	detection	NOUN
ajfti-5168	193	5	as	as	SCONJ
ajfti-5168	193	6	the	the	DET
ajfti-5168	193	7	fraudsters	fraudster	NOUN
ajfti-5168	193	8	get	get	VERB
ajfti-5168	193	9	better	well	ADJ
ajfti-5168	193	10	by	by	ADP
ajfti-5168	193	11	adapting	adapt	VERB
ajfti-5168	193	12	to	to	ADP
ajfti-5168	193	13	new	new	ADJ
ajfti-5168	193	14	schemes	scheme	NOUN
ajfti-5168	193	15	,	,	PUNCT
ajfti-5168	193	16	all	all	PRON
ajfti-5168	193	17	without	without	ADP
ajfti-5168	193	18	the	the	DET
ajfti-5168	193	19	need	need	NOUN
ajfti-5168	193	20	for	for	SCONJ
ajfti-5168	193	21	humans	human	NOUN
ajfti-5168	193	22	to	to	PART
ajfti-5168	193	23	intervene	intervene	VERB
ajfti-5168	193	24	.	.	PUNCT
ajfti-5168	194	1	integration	integration	NOUN
ajfti-5168	194	2	with	with	ADP
ajfti-5168	194	3	existing	exist	VERB
ajfti-5168	194	4	systems	system	NOUN
ajfti-5168	194	5	another	another	DET
ajfti-5168	194	6	important	important	ADJ
ajfti-5168	194	7	move	move	NOUN
ajfti-5168	194	8	towards	towards	ADP
ajfti-5168	194	9	securing	secure	VERB
ajfti-5168	194	10	transactions	transaction	NOUN
ajfti-5168	194	11	is	be	AUX
ajfti-5168	194	12	the	the	DET
ajfti-5168	194	13	deploying	deploying	NOUN
ajfti-5168	194	14	of	of	ADP
ajfti-5168	194	15	ai	ai	PROPN
ajfti-5168	194	16	fraud	fraud	NOUN
ajfti-5168	194	17	detection	detection	NOUN
ajfti-5168	194	18	systems	system	NOUN
ajfti-5168	194	19	integrated	integrate	VERB
ajfti-5168	194	20	with	with	ADP
ajfti-5168	194	21	banks	bank	NOUN
ajfti-5168	194	22	’	’	PART
ajfti-5168	194	23	current	current	ADJ
ajfti-5168	194	24	infrastructures	infrastructure	NOUN
ajfti-5168	194	25	.	.	PUNCT
ajfti-5168	195	1	most	most	ADJ
ajfti-5168	195	2	banks	bank	NOUN
ajfti-5168	195	3	already	already	ADV
ajfti-5168	195	4	have	have	VERB
ajfti-5168	195	5	their	their	PRON
ajfti-5168	195	6	established	establish	VERB
ajfti-5168	195	7	processes	process	NOUN
ajfti-5168	195	8	handled	handle	VERB
ajfti-5168	195	9	through	through	ADP
ajfti-5168	195	10	legacy	legacy	NOUN
ajfti-5168	195	11	systems	system	NOUN
ajfti-5168	195	12	and	and	CCONJ
ajfti-5168	195	13	any	any	DET
ajfti-5168	195	14	ai	ai	PROPN
ajfti-5168	195	15	implementation	implementation	NOUN
ajfti-5168	195	16	needs	need	VERB
ajfti-5168	195	17	to	to	PART
ajfti-5168	195	18	blend	blend	VERB
ajfti-5168	195	19	into	into	ADP
ajfti-5168	195	20	existing	exist	VERB
ajfti-5168	195	21	systems	system	NOUN
ajfti-5168	195	22	without	without	ADP
ajfti-5168	195	23	hindering	hinder	VERB
ajfti-5168	195	24	active	active	ADJ
ajfti-5168	195	25	operations	operation	NOUN
ajfti-5168	195	26	.	.	PUNCT
ajfti-5168	196	1	therefore	therefore	ADV
ajfti-5168	196	2	,	,	PUNCT
ajfti-5168	196	3	the	the	DET
ajfti-5168	196	4	secret	secret	NOUN
ajfti-5168	196	5	to	to	ADP
ajfti-5168	196	6	achieving	achieve	VERB
ajfti-5168	196	7	and	and	CCONJ
ajfti-5168	196	8	maintaining	maintain	VERB
ajfti-5168	196	9	this	this	DET
ajfti-5168	196	10	integration	integration	NOUN
ajfti-5168	196	11	is	be	AUX
ajfti-5168	196	12	to	to	PART
ajfti-5168	196	13	use	use	VERB
ajfti-5168	196	14	apis	apis	ADJ
ajfti-5168	196	15	(	(	PUNCT
ajfti-5168	196	16	application	application	NOUN
ajfti-5168	196	17	programming	programming	NOUN
ajfti-5168	196	18	interfaces	interface	NOUN
ajfti-5168	196	19	)	)	PUNCT
ajfti-5168	196	20	and	and	CCONJ
ajfti-5168	196	21	data	datum	NOUN
ajfti-5168	196	22	pipelines	pipeline	NOUN
ajfti-5168	196	23	between	between	ADP
ajfti-5168	196	24	the	the	DET
ajfti-5168	196	25	old	old	ADJ
ajfti-5168	196	26	and	and	CCONJ
ajfti-5168	196	27	the	the	DET
ajfti-5168	196	28	new	new	ADJ
ajfti-5168	196	29	technology	technology	NOUN
ajfti-5168	196	30	(	(	PUNCT
ajfti-5168	196	31	adeleke	adeleke	VERB
ajfti-5168	196	32	et	et	PROPN
ajfti-5168	196	33	al	al	PROPN
ajfti-5168	196	34	.	.	PROPN
ajfti-5168	196	35	,	,	PUNCT
ajfti-5168	196	36	2024	2024	NUM
ajfti-5168	196	37	)	)	PUNCT
ajfti-5168	196	38	.	.	PUNCT
ajfti-5168	197	1	an	an	DET
ajfti-5168	197	2	example	example	NOUN
ajfti-5168	197	3	of	of	ADP
ajfti-5168	197	4	this	this	DET
ajfti-5168	197	5	type	type	NOUN
ajfti-5168	197	6	of	of	ADP
ajfti-5168	197	7	system	system	NOUN
ajfti-5168	197	8	are	be	AUX
ajfti-5168	197	9	transaction	transaction	NOUN
ajfti-5168	197	10	monitoring	monitoring	NOUN
ajfti-5168	197	11	systems	system	NOUN
ajfti-5168	197	12	,	,	PUNCT
ajfti-5168	197	13	in	in	ADP
ajfti-5168	197	14	which	which	PRON
ajfti-5168	197	15	data	datum	NOUN
ajfti-5168	197	16	from	from	ADP
ajfti-5168	197	17	several	several	ADJ
ajfti-5168	197	18	banking	banking	NOUN
ajfti-5168	197	19	services	service	NOUN
ajfti-5168	197	20	,	,	PUNCT
ajfti-5168	197	21	like	like	ADP
ajfti-5168	197	22	mobile	mobile	ADJ
ajfti-5168	197	23	banking	banking	NOUN
ajfti-5168	197	24	,	,	PUNCT
ajfti-5168	197	25	online	online	ADJ
ajfti-5168	197	26	payments	payment	NOUN
ajfti-5168	197	27	,	,	PUNCT
ajfti-5168	197	28	and	and	CCONJ
ajfti-5168	197	29	atms	atms	NOUN
ajfti-5168	197	30	,	,	PUNCT
ajfti-5168	197	31	are	be	AUX
ajfti-5168	197	32	collected	collect	VERB
ajfti-5168	197	33	in	in	ADP
ajfti-5168	197	34	real	real	ADJ
ajfti-5168	197	35	time	time	NOUN
ajfti-5168	197	36	and	and	CCONJ
ajfti-5168	197	37	introduced	introduce	VERB
ajfti-5168	197	38	into	into	ADP
ajfti-5168	197	39	machine	machine	NOUN
ajfti-5168	197	40	learning	learning	NOUN
ajfti-5168	197	41	models	model	NOUN
ajfti-5168	197	42	for	for	ADP
ajfti-5168	197	43	fraud	fraud	NOUN
ajfti-5168	197	44	detection	detection	NOUN
ajfti-5168	197	45	purposes	purpose	NOUN
ajfti-5168	197	46	.	.	PUNCT
ajfti-5168	198	1	banks	bank	NOUN
ajfti-5168	198	2	are	be	AUX
ajfti-5168	198	3	able	able	ADJ
ajfti-5168	198	4	to	to	PART
ajfti-5168	198	5	forward	forward	VERB
ajfti-5168	198	6	transactions	transaction	NOUN
ajfti-5168	198	7	data	datum	NOUN
ajfti-5168	198	8	to	to	PART
ajfti-5168	198	9	ai	ai	VERB
ajfti-5168	198	10	,	,	PUNCT
ajfti-5168	198	11	that	that	SCONJ
ajfti-5168	198	12	in	in	ADP
ajfti-5168	198	13	turn	turn	NOUN
ajfti-5168	198	14	detects	detect	VERB
ajfti-5168	198	15	fraud	fraud	NOUN
ajfti-5168	198	16	patterns	pattern	NOUN
ajfti-5168	198	17	.	.	PUNCT
ajfti-5168	199	1	it	it	PRON
ajfti-5168	199	2	enables	enable	VERB
ajfti-5168	199	3	an	an	DET
ajfti-5168	199	4	easy	easy	ADJ
ajfti-5168	199	5	flow	flow	NOUN
ajfti-5168	199	6	of	of	ADP
ajfti-5168	199	7	information	information	NOUN
ajfti-5168	199	8	between	between	ADP
ajfti-5168	199	9	platforms	platform	NOUN
ajfti-5168	199	10	so	so	SCONJ
ajfti-5168	199	11	that	that	SCONJ
ajfti-5168	199	12	suspicious	suspicious	ADJ
ajfti-5168	199	13	activities	activity	NOUN
ajfti-5168	199	14	can	can	AUX
ajfti-5168	199	15	be	be	AUX
ajfti-5168	199	16	acted	act	VERB
ajfti-5168	199	17	upon	upon	SCONJ
ajfti-5168	199	18	right	right	ADV
ajfti-5168	199	19	away	away	ADV
ajfti-5168	199	20	.	.	PUNCT
ajfti-5168	200	1	also	also	ADV
ajfti-5168	200	2	,	,	PUNCT
ajfti-5168	200	3	ai	ai	VERB
ajfti-5168	200	4	systems	system	NOUN
ajfti-5168	200	5	can	can	AUX
ajfti-5168	200	6	more	more	ADV
ajfti-5168	200	7	readily	readily	ADV
ajfti-5168	200	8	and	and	CCONJ
ajfti-5168	200	9	easily	easily	ADV
ajfti-5168	200	10	be	be	AUX
ajfti-5168	200	11	connected	connect	VERB
ajfti-5168	200	12	to	to	ADP
ajfti-5168	200	13	cloud	cloud	NOUN
ajfti-5168	200	14	computing	computing	NOUN
ajfti-5168	200	15	platforms	platform	NOUN
ajfti-5168	200	16	that	that	PRON
ajfti-5168	200	17	provide	provide	VERB
ajfti-5168	200	18	the	the	DET
ajfti-5168	200	19	processing	processing	NOUN
ajfti-5168	200	20	power	power	NOUN
ajfti-5168	200	21	to	to	PART
ajfti-5168	200	22	leverage	leverage	NOUN
ajfti-5168	200	23	use	use	NOUN
ajfti-5168	200	24	scale	scale	NOUN
ajfti-5168	200	25	data	datum	NOUN
ajfti-5168	200	26	analyses	analysis	NOUN
ajfti-5168	200	27	.	.	PUNCT
ajfti-5168	201	1	cloud	cloud	NOUN
ajfti-5168	201	2	computing	computing	NOUN
ajfti-5168	201	3	offers	offer	VERB
ajfti-5168	201	4	the	the	DET
ajfti-5168	201	5	possibility	possibility	NOUN
ajfti-5168	201	6	of	of	ADP
ajfti-5168	201	7	storing	store	VERB
ajfti-5168	201	8	big	big	ADJ
ajfti-5168	201	9	data	datum	NOUN
ajfti-5168	201	10	sets	set	NOUN
ajfti-5168	201	11	and	and	CCONJ
ajfti-5168	201	12	training	training	NOUN
ajfti-5168	201	13	and	and	CCONJ
ajfti-5168	201	14	deploying	deploy	VERB
ajfti-5168	201	15	machine	machine	NOUN
ajfti-5168	201	16	learning	learning	NOUN
ajfti-5168	201	17	models	model	NOUN
ajfti-5168	201	18	without	without	ADP
ajfti-5168	201	19	the	the	DET
ajfti-5168	201	20	need	need	NOUN
ajfti-5168	201	21	for	for	ADP
ajfti-5168	201	22	expensive	expensive	ADJ
ajfti-5168	201	23	local	local	ADJ
ajfti-5168	201	24	infrastructure	infrastructure	NOUN
ajfti-5168	201	25	.	.	PUNCT
ajfti-5168	202	1	this	this	PRON
ajfti-5168	202	2	is	be	AUX
ajfti-5168	202	3	helpful	helpful	ADJ
ajfti-5168	202	4	for	for	ADP
ajfti-5168	202	5	smaller	small	ADJ
ajfti-5168	202	6	financial	financial	ADJ
ajfti-5168	202	7	institutions	institution	NOUN
ajfti-5168	202	8	that	that	PRON
ajfti-5168	202	9	may	may	AUX
ajfti-5168	202	10	not	not	PART
ajfti-5168	202	11	have	have	VERB
ajfti-5168	202	12	the	the	DET
ajfti-5168	202	13	means	mean	NOUN
ajfti-5168	202	14	to	to	PART
ajfti-5168	202	15	develop	develop	VERB
ajfti-5168	202	16	and	and	CCONJ
ajfti-5168	202	17	maintain	maintain	VERB
ajfti-5168	202	18	such	such	ADJ
ajfti-5168	202	19	difficult	difficult	ADJ
ajfti-5168	202	20	fraud	fraud	NOUN
ajfti-5168	202	21	detection	detection	NOUN
ajfti-5168	202	22	systems	system	NOUN
ajfti-5168	202	23	.	.	PUNCT
ajfti-5168	203	1	in	in	ADP
ajfti-5168	203	2	addition	addition	NOUN
ajfti-5168	203	3	,	,	PUNCT
ajfti-5168	203	4	when	when	SCONJ
ajfti-5168	203	5	ai	ai	NOUN
ajfti-5168	203	6	is	be	AUX
ajfti-5168	203	7	merged	merge	VERB
ajfti-5168	203	8	with	with	ADP
ajfti-5168	203	9	other	other	ADJ
ajfti-5168	203	10	methods	method	NOUN
ajfti-5168	203	11	,	,	PUNCT
ajfti-5168	203	12	it	it	PRON
ajfti-5168	203	13	gives	give	VERB
ajfti-5168	203	14	room	room	NOUN
ajfti-5168	203	15	for	for	SCONJ
ajfti-5168	203	16	banks	bank	NOUN
ajfti-5168	203	17	to	to	PART
ajfti-5168	203	18	enlarge	enlarge	VERB
ajfti-5168	203	19	their	their	PRON
ajfti-5168	203	20	capabilities	capability	NOUN
ajfti-5168	203	21	to	to	PART
ajfti-5168	203	22	prevent	prevent	VERB
ajfti-5168	203	23	fraud	fraud	NOUN
ajfti-5168	203	24	.	.	PUNCT
ajfti-5168	204	1	in	in	ADP
ajfti-5168	204	2	line	line	NOUN
ajfti-5168	204	3	with	with	ADP
ajfti-5168	204	4	digital	digital	ADJ
ajfti-5168	204	5	banking	banking	NOUN
ajfti-5168	204	6	,	,	PUNCT
ajfti-5168	204	7	the	the	DET
ajfti-5168	204	8	number	number	NOUN
ajfti-5168	204	9	of	of	ADP
ajfti-5168	204	10	transactions	transaction	NOUN
ajfti-5168	204	11	is	be	AUX
ajfti-5168	204	12	increasing	increase	VERB
ajfti-5168	204	13	,	,	PUNCT
ajfti-5168	204	14	and	and	CCONJ
ajfti-5168	204	15	these	these	DET
ajfti-5168	204	16	transactions	transaction	NOUN
ajfti-5168	204	17	can	can	AUX
ajfti-5168	204	18	all	all	PRON
ajfti-5168	204	19	be	be	AUX
ajfti-5168	204	20	handled	handle	VERB
ajfti-5168	204	21	in	in	ADP
ajfti-5168	204	22	real	real	ADJ
ajfti-5168	204	23	time	time	NOUN
ajfti-5168	204	24	through	through	ADP
ajfti-5168	204	25	ai	ai	PROPN
ajfti-5168	204	26	systems	system	NOUN
ajfti-5168	204	27	that	that	PRON
ajfti-5168	204	28	are	be	AUX
ajfti-5168	204	29	capable	capable	ADJ
ajfti-5168	204	30	of	of	ADP
ajfti-5168	204	31	learning	learn	VERB
ajfti-5168	204	32	patterns	pattern	NOUN
ajfti-5168	204	33	of	of	ADP
ajfti-5168	204	34	fraud	fraud	NOUN
ajfti-5168	204	35	as	as	ADP
ajfti-5168	204	36	the	the	DET
ajfti-5168	204	37	volume	volume	NOUN
ajfti-5168	204	38	of	of	ADP
ajfti-5168	204	39	such	such	ADJ
ajfti-5168	204	40	data	data	NOUN
ajfti-5168	204	41	increases	increase	NOUN
ajfti-5168	204	42	,	,	PUNCT
ajfti-5168	204	43	thereby	thereby	ADV
ajfti-5168	204	44	,	,	PUNCT
ajfti-5168	204	45	providing	provide	VERB
ajfti-5168	204	46	a	a	DET
ajfti-5168	204	47	strong	strong	ADJ
ajfti-5168	204	48	level	level	NOUN
ajfti-5168	204	49	of	of	ADP
ajfti-5168	204	50	security	security	NOUN
ajfti-5168	204	51	as	as	SCONJ
ajfti-5168	204	52	banks	bank	NOUN
ajfti-5168	204	53	go	go	VERB
ajfti-5168	204	54	digital	digital	ADJ
ajfti-5168	204	55	.	.	PUNCT
ajfti-5168	205	1	challenges	challenge	NOUN
ajfti-5168	205	2	and	and	CCONJ
ajfti-5168	205	3	limitations	limitation	NOUN
ajfti-5168	205	4	using	use	VERB
ajfti-5168	205	5	ai	ai	VERB
ajfti-5168	205	6	for	for	ADP
ajfti-5168	205	7	detecting	detect	VERB
ajfti-5168	205	8	fraud	fraud	NOUN
ajfti-5168	205	9	in	in	ADP
ajfti-5168	205	10	the	the	DET
ajfti-5168	205	11	banking	banking	NOUN
ajfti-5168	205	12	sector	sector	NOUN
ajfti-5168	205	13	include	include	VERB
ajfti-5168	205	14	pa	pa	PROPN
ajfti-5168	205	15	ge	ge	PROPN
ajfti-5168	205	16	18	18	NUM
ajfti-5168	205	17	3	3	NUM
ajfti-5168	205	18	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-5168	205	19	am	be	AUX
ajfti-5168	205	20	.	.	PUNCT
ajfti-5168	206	1	j.	j.	PROPN
ajfti-5168	206	2	financ	financ	PROPN
ajfti-5168	206	3	.	.	PUNCT
ajfti-5168	207	1	technol	technol	PROPN
ajfti-5168	207	2	.	.	PUNCT
ajfti-5168	207	3	innov	innov	PROPN
ajfti-5168	207	4	.	.	PUNCT
ajfti-5168	208	1	3(1	3(1	NUM
ajfti-5168	208	2	)	)	PUNCT
ajfti-5168	208	3	177	177	NUM
ajfti-5168	208	4	-	-	SYM
ajfti-5168	208	5	187	187	NUM
ajfti-5168	208	6	,	,	PUNCT
ajfti-5168	208	7	2025	2025	NUM
ajfti-5168	208	8	to	to	ADP
ajfti-5168	208	9	anonymising	anonymise	VERB
ajfti-5168	208	10	data	datum	NOUN
ajfti-5168	208	11	employed	employ	VERB
ajfti-5168	208	12	in	in	ADP
ajfti-5168	208	13	training	train	VERB
ajfti-5168	208	14	these	these	DET
ajfti-5168	208	15	ais	ais	NOUN
ajfti-5168	208	16	and	and	CCONJ
ajfti-5168	208	17	customers	customer	NOUN
ajfti-5168	208	18	would	would	AUX
ajfti-5168	208	19	have	have	VERB
ajfti-5168	208	20	to	to	PART
ajfti-5168	208	21	provide	provide	VERB
ajfti-5168	208	22	their	their	PRON
ajfti-5168	208	23	consent	consent	NOUN
ajfti-5168	208	24	.	.	PUNCT
ajfti-5168	209	1	plus	plus	CCONJ
ajfti-5168	209	2	,	,	PUNCT
ajfti-5168	209	3	independently	independently	ADV
ajfti-5168	209	4	of	of	ADP
ajfti-5168	209	5	gdpr	gdpr	NOUN
ajfti-5168	209	6	,	,	PUNCT
ajfti-5168	209	7	“	"	PUNCT
ajfti-5168	209	8	payment	payment	NOUN
ajfti-5168	209	9	card	card	NOUN
ajfti-5168	209	10	industry	industry	NOUN
ajfti-5168	209	11	data	data	NOUN
ajfti-5168	209	12	security	security	NOUN
ajfti-5168	209	13	standards	standard	NOUN
ajfti-5168	209	14	(	(	PUNCT
ajfti-5168	209	15	pci	pci	ADJ
ajfti-5168	209	16	-	-	PUNCT
ajfti-5168	209	17	dss	dss	NOUN
ajfti-5168	209	18	)	)	PUNCT
ajfti-5168	209	19	”	"	PUNCT
ajfti-5168	209	20	is	be	AUX
ajfti-5168	209	21	another	another	DET
ajfti-5168	209	22	relevant	relevant	ADJ
ajfti-5168	209	23	mandate	mandate	NOUN
ajfti-5168	209	24	that	that	PRON
ajfti-5168	209	25	governs	govern	VERB
ajfti-5168	209	26	ai	ai	VERB
ajfti-5168	209	27	systems	system	NOUN
ajfti-5168	209	28	when	when	SCONJ
ajfti-5168	209	29	payment	payment	NOUN
ajfti-5168	209	30	data	datum	NOUN
ajfti-5168	209	31	is	be	AUX
ajfti-5168	209	32	involved	involve	VERB
ajfti-5168	209	33	.	.	PUNCT
ajfti-5168	210	1	pci	pci	ADJ
ajfti-5168	210	2	-	-	PUNCT
ajfti-5168	210	3	dss	dss	NOUN
ajfti-5168	210	4	mandates	mandate	NOUN
ajfti-5168	210	5	that	that	PRON
ajfti-5168	210	6	all	all	DET
ajfti-5168	210	7	financial	financial	ADJ
ajfti-5168	210	8	institutions	institution	NOUN
ajfti-5168	210	9	and	and	CCONJ
ajfti-5168	210	10	any	any	DET
ajfti-5168	210	11	third	third	ADJ
ajfti-5168	210	12	-	-	PUNCT
ajfti-5168	210	13	party	party	NOUN
ajfti-5168	210	14	vendors	vendor	NOUN
ajfti-5168	210	15	engage	engage	VERB
ajfti-5168	210	16	in	in	ADP
ajfti-5168	210	17	rigorous	rigorous	ADJ
ajfti-5168	210	18	security	security	NOUN
ajfti-5168	210	19	practices	practice	NOUN
ajfti-5168	210	20	to	to	PART
ajfti-5168	210	21	protect	protect	VERB
ajfti-5168	210	22	cardholder	cardholder	NOUN
ajfti-5168	210	23	information	information	NOUN
ajfti-5168	210	24	.	.	PUNCT
ajfti-5168	211	1	specifically	specifically	ADV
ajfti-5168	211	2	,	,	PUNCT
ajfti-5168	211	3	regarding	regard	VERB
ajfti-5168	211	4	sensitive	sensitive	ADJ
ajfti-5168	211	5	payment	payment	NOUN
ajfti-5168	211	6	data	datum	NOUN
ajfti-5168	211	7	,	,	PUNCT
ajfti-5168	211	8	it	it	PRON
ajfti-5168	211	9	is	be	AUX
ajfti-5168	211	10	critical	critical	ADJ
ajfti-5168	211	11	that	that	SCONJ
ajfti-5168	211	12	ai	ai	VERB
ajfti-5168	211	13	systems	system	NOUN
ajfti-5168	211	14	designed	design	VERB
ajfti-5168	211	15	to	to	PART
ajfti-5168	211	16	address	address	VERB
ajfti-5168	211	17	fraudulent	fraudulent	ADJ
ajfti-5168	211	18	credit	credit	NOUN
ajfti-5168	211	19	card	card	NOUN
ajfti-5168	211	20	transactions	transaction	NOUN
ajfti-5168	211	21	are	be	AUX
ajfti-5168	211	22	constructed	construct	VERB
ajfti-5168	211	23	with	with	ADP
ajfti-5168	211	24	a	a	DET
ajfti-5168	211	25	view	view	NOUN
ajfti-5168	211	26	not	not	PART
ajfti-5168	211	27	to	to	PART
ajfti-5168	211	28	violate	violate	VERB
ajfti-5168	211	29	these	these	DET
ajfti-5168	211	30	standards	standard	NOUN
ajfti-5168	211	31	(	(	PUNCT
ajfti-5168	211	32	onyekwuluje	onyekwuluje	VERB
ajfti-5168	211	33	et	et	PROPN
ajfti-5168	211	34	al	al	PROPN
ajfti-5168	211	35	.	.	PROPN
ajfti-5168	211	36	,	,	PUNCT
ajfti-5168	211	37	2025	2025	NUM
ajfti-5168	211	38	;	;	PUNCT
ajfti-5168	211	39	shaul	shaul	PROPN
ajfti-5168	211	40	&	&	CCONJ
ajfti-5168	211	41	ingram	ingram	PROPN
ajfti-5168	211	42	,	,	PUNCT
ajfti-5168	211	43	2007	2007	NUM
ajfti-5168	211	44	)	)	PUNCT
ajfti-5168	211	45	.	.	PUNCT
ajfti-5168	212	1	also	also	ADV
ajfti-5168	212	2	,	,	PUNCT
ajfti-5168	212	3	“	"	PUNCT
ajfti-5168	212	4	anti	anti	ADJ
ajfti-5168	212	5	-	-	ADJ
ajfti-5168	212	6	money	money	ADJ
ajfti-5168	212	7	laundering	laundering	NOUN
ajfti-5168	212	8	(	(	PUNCT
ajfti-5168	212	9	aml	aml	NOUN
ajfti-5168	212	10	)	)	PUNCT
ajfti-5168	212	11	”	"	PUNCT
ajfti-5168	212	12	laws	law	NOUN
ajfti-5168	212	13	also	also	ADV
ajfti-5168	212	14	define	define	VERB
ajfti-5168	212	15	the	the	DET
ajfti-5168	212	16	role	role	NOUN
ajfti-5168	212	17	of	of	ADP
ajfti-5168	212	18	banks	bank	NOUN
ajfti-5168	212	19	and	and	CCONJ
ajfti-5168	212	20	financial	financial	ADJ
ajfti-5168	212	21	institutions	institution	NOUN
ajfti-5168	212	22	in	in	ADP
ajfti-5168	212	23	detecting	detect	VERB
ajfti-5168	212	24	money	money	NOUN
ajfti-5168	212	25	laundering	laundering	NOUN
ajfti-5168	212	26	.	.	PUNCT
ajfti-5168	213	1	it	it	PRON
ajfti-5168	213	2	is	be	AUX
ajfti-5168	213	3	,	,	PUNCT
ajfti-5168	213	4	therefore	therefore	ADV
ajfti-5168	213	5	,	,	PUNCT
ajfti-5168	213	6	very	very	ADV
ajfti-5168	213	7	important	important	ADJ
ajfti-5168	213	8	that	that	SCONJ
ajfti-5168	213	9	banks	bank	NOUN
ajfti-5168	213	10	adhere	adhere	VERB
ajfti-5168	213	11	to	to	ADP
ajfti-5168	213	12	regulations	regulation	NOUN
ajfti-5168	213	13	regarding	regard	VERB
ajfti-5168	213	14	money	money	NOUN
ajfti-5168	213	15	laundering	laundering	NOUN
ajfti-5168	213	16	and	and	CCONJ
ajfti-5168	213	17	that	that	SCONJ
ajfti-5168	213	18	ai	ai	VERB
ajfti-5168	213	19	systems	system	NOUN
ajfti-5168	213	20	are	be	AUX
ajfti-5168	213	21	designed	design	VERB
ajfti-5168	213	22	in	in	ADP
ajfti-5168	213	23	such	such	DET
ajfti-5168	213	24	a	a	DET
ajfti-5168	213	25	way	way	NOUN
ajfti-5168	213	26	that	that	PRON
ajfti-5168	213	27	they	they	PRON
ajfti-5168	213	28	can	can	AUX
ajfti-5168	213	29	effectively	effectively	ADV
ajfti-5168	213	30	recognize	recognize	VERB
ajfti-5168	213	31	patterns	pattern	NOUN
ajfti-5168	213	32	of	of	ADP
ajfti-5168	213	33	money	money	NOUN
ajfti-5168	213	34	laundering	laundering	NOUN
ajfti-5168	213	35	in	in	ADP
ajfti-5168	213	36	order	order	NOUN
ajfti-5168	213	37	to	to	PART
ajfti-5168	213	38	safeguard	safeguard	VERB
ajfti-5168	213	39	financial	financial	ADJ
ajfti-5168	213	40	transactions	transaction	NOUN
ajfti-5168	213	41	and	and	CCONJ
ajfti-5168	213	42	keep	keep	VERB
ajfti-5168	213	43	them	they	PRON
ajfti-5168	213	44	secure	secure	ADJ
ajfti-5168	213	45	and	and	CCONJ
ajfti-5168	213	46	intact	intact	ADJ
ajfti-5168	213	47	(	(	PUNCT
ajfti-5168	213	48	oztas	ozta	NOUN
ajfti-5168	213	49	et	et	NOUN
ajfti-5168	213	50	al	al	PROPN
ajfti-5168	213	51	.	.	PROPN
ajfti-5168	213	52	,	,	PUNCT
ajfti-5168	213	53	2024	2024	NUM
ajfti-5168	213	54	)	)	PUNCT
ajfti-5168	213	55	.	.	PUNCT
ajfti-5168	214	1	data	datum	NOUN
ajfti-5168	214	2	privacy	privacy	NOUN
ajfti-5168	214	3	keeping	keep	VERB
ajfti-5168	214	4	user	user	NOUN
ajfti-5168	214	5	data	datum	NOUN
ajfti-5168	214	6	private	private	ADJ
ajfti-5168	214	7	without	without	ADP
ajfti-5168	214	8	compromising	compromise	VERB
ajfti-5168	214	9	on	on	ADP
ajfti-5168	214	10	effective	effective	ADJ
ajfti-5168	214	11	fraud	fraud	NOUN
ajfti-5168	214	12	detection	detection	NOUN
ajfti-5168	214	13	is	be	AUX
ajfti-5168	214	14	among	among	ADP
ajfti-5168	214	15	the	the	DET
ajfti-5168	214	16	biggest	big	ADJ
ajfti-5168	214	17	issues	issue	NOUN
ajfti-5168	214	18	for	for	ADP
ajfti-5168	214	19	ai	ai	PROPN
ajfti-5168	214	20	systems	system	NOUN
ajfti-5168	214	21	in	in	ADP
ajfti-5168	214	22	the	the	DET
ajfti-5168	214	23	digital	digital	ADJ
ajfti-5168	214	24	bank	bank	NOUN
ajfti-5168	214	25	arena	arena	NOUN
ajfti-5168	214	26	.	.	PUNCT
ajfti-5168	215	1	but	but	CCONJ
ajfti-5168	215	2	,	,	PUNCT
ajfti-5168	215	3	as	as	SCONJ
ajfti-5168	215	4	financial	financial	ADJ
ajfti-5168	215	5	institutions	institution	NOUN
ajfti-5168	215	6	increasingly	increasingly	ADV
ajfti-5168	215	7	turn	turn	VERB
ajfti-5168	215	8	to	to	ADP
ajfti-5168	215	9	ai	ai	VERB
ajfti-5168	215	10	models	model	NOUN
ajfti-5168	215	11	to	to	PART
ajfti-5168	215	12	sift	sift	VERB
ajfti-5168	215	13	through	through	ADP
ajfti-5168	215	14	large	large	ADJ
ajfti-5168	215	15	pools	pool	NOUN
ajfti-5168	215	16	of	of	ADP
ajfti-5168	215	17	sensitive	sensitive	ADJ
ajfti-5168	215	18	customer	customer	NOUN
ajfti-5168	215	19	data	datum	NOUN
ajfti-5168	215	20	to	to	PART
ajfti-5168	215	21	identify	identify	VERB
ajfti-5168	215	22	potential	potential	ADJ
ajfti-5168	215	23	indicators	indicator	NOUN
ajfti-5168	215	24	of	of	ADP
ajfti-5168	215	25	fraud	fraud	NOUN
ajfti-5168	215	26	,	,	PUNCT
ajfti-5168	215	27	the	the	DET
ajfti-5168	215	28	response	response	NOUN
ajfti-5168	215	29	to	to	ADP
ajfti-5168	215	30	this	this	DET
ajfti-5168	215	31	risk	risk	NOUN
ajfti-5168	215	32	can	can	AUX
ajfti-5168	215	33	not	not	PART
ajfti-5168	215	34	compromise	compromise	VERB
ajfti-5168	215	35	individuals	individual	NOUN
ajfti-5168	215	36	’	’	PART
ajfti-5168	215	37	privacy	privacy	NOUN
ajfti-5168	215	38	to	to	PART
ajfti-5168	215	39	achieve	achieve	VERB
ajfti-5168	215	40	security	security	NOUN
ajfti-5168	215	41	.	.	PUNCT
ajfti-5168	216	1	most	most	ADJ
ajfti-5168	216	2	machine	machine	NOUN
ajfti-5168	216	3	learning	learning	NOUN
ajfti-5168	216	4	and	and	CCONJ
ajfti-5168	216	5	deep	deep	ADJ
ajfti-5168	216	6	learning	learning	NOUN
ajfti-5168	216	7	applications	application	NOUN
ajfti-5168	216	8	of	of	ADP
ajfti-5168	216	9	ai	ai	NOUN
ajfti-5168	216	10	must	must	AUX
ajfti-5168	216	11	be	be	AUX
ajfti-5168	216	12	fed	feed	VERB
ajfti-5168	216	13	large	large	ADJ
ajfti-5168	216	14	sets	set	NOUN
ajfti-5168	216	15	of	of	ADP
ajfti-5168	216	16	data	datum	NOUN
ajfti-5168	216	17	,	,	PUNCT
ajfti-5168	216	18	often	often	ADV
ajfti-5168	216	19	including	include	VERB
ajfti-5168	216	20	past	past	ADJ
ajfti-5168	216	21	transactions	transaction	NOUN
ajfti-5168	216	22	,	,	PUNCT
ajfti-5168	216	23	customer	customer	NOUN
ajfti-5168	216	24	information	information	NOUN
ajfti-5168	216	25	,	,	PUNCT
ajfti-5168	216	26	and	and	CCONJ
ajfti-5168	216	27	even	even	ADV
ajfti-5168	216	28	biometric	biometric	ADJ
ajfti-5168	216	29	data	datum	NOUN
ajfti-5168	216	30	.	.	PUNCT
ajfti-5168	217	1	these	these	DET
ajfti-5168	217	2	processes	process	NOUN
ajfti-5168	217	3	and	and	CCONJ
ajfti-5168	217	4	storage	storage	NOUN
ajfti-5168	217	5	also	also	ADV
ajfti-5168	217	6	create	create	VERB
ajfti-5168	217	7	privacy	privacy	NOUN
ajfti-5168	217	8	concerns	concern	NOUN
ajfti-5168	217	9	about	about	ADP
ajfti-5168	217	10	the	the	DET
ajfti-5168	217	11	data	datum	NOUN
ajfti-5168	217	12	since	since	SCONJ
ajfti-5168	217	13	if	if	SCONJ
ajfti-5168	217	14	a	a	DET
ajfti-5168	217	15	breach	breach	NOUN
ajfti-5168	217	16	occurred	occur	VERB
ajfti-5168	217	17	an	an	DET
ajfti-5168	217	18	individual	individual	NOUN
ajfti-5168	217	19	’s	’s	PART
ajfti-5168	217	20	financial	financial	ADJ
ajfti-5168	217	21	information	information	NOUN
ajfti-5168	217	22	could	could	AUX
ajfti-5168	217	23	be	be	AUX
ajfti-5168	217	24	made	make	VERB
ajfti-5168	217	25	public	public	ADJ
ajfti-5168	217	26	.	.	PUNCT
ajfti-5168	218	1	to	to	PART
ajfti-5168	218	2	alleviate	alleviate	VERB
ajfti-5168	218	3	the	the	DET
ajfti-5168	218	4	aforementioned	aforementioned	ADJ
ajfti-5168	218	5	issues	issue	NOUN
ajfti-5168	218	6	,	,	PUNCT
ajfti-5168	218	7	banks	bank	NOUN
ajfti-5168	218	8	should	should	AUX
ajfti-5168	218	9	adopt	adopt	VERB
ajfti-5168	218	10	international	international	ADJ
ajfti-5168	218	11	data	datum	NOUN
ajfti-5168	218	12	protection	protection	NOUN
ajfti-5168	218	13	measures	measure	NOUN
ajfti-5168	218	14	.	.	PUNCT
ajfti-5168	219	1	this	this	PRON
ajfti-5168	219	2	includes	include	VERB
ajfti-5168	219	3	practices	practice	NOUN
ajfti-5168	219	4	like	like	ADP
ajfti-5168	219	5	encrypting	encrypt	VERB
ajfti-5168	219	6	and	and	CCONJ
ajfti-5168	219	7	anonymizing	anonymize	VERB
ajfti-5168	219	8	data	datum	NOUN
ajfti-5168	219	9	,	,	PUNCT
ajfti-5168	219	10	securely	securely	ADV
ajfti-5168	219	11	storing	store	VERB
ajfti-5168	219	12	data	datum	NOUN
ajfti-5168	219	13	to	to	PART
ajfti-5168	219	14	prevent	prevent	VERB
ajfti-5168	219	15	unauthorized	unauthorized	ADJ
ajfti-5168	219	16	access	access	NOUN
ajfti-5168	219	17	,	,	PUNCT
ajfti-5168	219	18	and	and	CCONJ
ajfti-5168	219	19	other	other	ADJ
ajfti-5168	219	20	measures	measure	NOUN
ajfti-5168	219	21	to	to	PART
ajfti-5168	219	22	avoid	avoid	VERB
ajfti-5168	219	23	data	datum	NOUN
ajfti-5168	219	24	leaks	leak	NOUN
ajfti-5168	219	25	.	.	PUNCT
ajfti-5168	220	1	plus	plus	CCONJ
ajfti-5168	220	2	,	,	PUNCT
ajfti-5168	220	3	also	also	ADV
ajfti-5168	220	4	in	in	ADP
ajfti-5168	220	5	line	line	NOUN
ajfti-5168	220	6	with	with	ADP
ajfti-5168	220	7	data	datum	NOUN
ajfti-5168	220	8	minimization	minimization	NOUN
ajfti-5168	220	9	principles	principle	NOUN
ajfti-5168	220	10	,	,	PUNCT
ajfti-5168	220	11	their	their	PRON
ajfti-5168	220	12	collection	collection	NOUN
ajfti-5168	220	13	and	and	CCONJ
ajfti-5168	220	14	processing	processing	NOUN
ajfti-5168	220	15	should	should	AUX
ajfti-5168	220	16	not	not	PART
ajfti-5168	220	17	exceed	exceed	VERB
ajfti-5168	220	18	what	what	PRON
ajfti-5168	220	19	is	be	AUX
ajfti-5168	220	20	necessary	necessary	ADJ
ajfti-5168	220	21	to	to	PART
ajfti-5168	220	22	detect	detect	VERB
ajfti-5168	220	23	fraud	fraud	NOUN
ajfti-5168	220	24	.	.	PUNCT
ajfti-5168	221	1	also	also	ADV
ajfti-5168	221	2	,	,	PUNCT
ajfti-5168	221	3	ai	ai	VERB
ajfti-5168	221	4	systems	system	NOUN
ajfti-5168	221	5	should	should	AUX
ajfti-5168	221	6	necessarily	necessarily	ADV
ajfti-5168	221	7	be	be	AUX
ajfti-5168	221	8	developed	develop	VERB
ajfti-5168	221	9	in	in	ADP
ajfti-5168	221	10	line	line	NOUN
ajfti-5168	221	11	with	with	ADP
ajfti-5168	221	12	privacy	privacy	NOUN
ajfti-5168	221	13	laws	law	NOUN
ajfti-5168	221	14	like	like	ADP
ajfti-5168	221	15	gdpr	gdpr	NOUN
ajfti-5168	221	16	,	,	PUNCT
ajfti-5168	221	17	which	which	PRON
ajfti-5168	221	18	grants	grant	VERB
ajfti-5168	221	19	individuals	individual	NOUN
ajfti-5168	221	20	access	access	NOUN
ajfti-5168	221	21	and	and	CCONJ
ajfti-5168	221	22	control	control	NOUN
ajfti-5168	221	23	rights	right	NOUN
ajfti-5168	221	24	over	over	ADP
ajfti-5168	221	25	their	their	PRON
ajfti-5168	221	26	data	datum	NOUN
ajfti-5168	221	27	,	,	PUNCT
ajfti-5168	221	28	including	include	VERB
ajfti-5168	221	29	the	the	DET
ajfti-5168	221	30	ability	ability	NOUN
ajfti-5168	221	31	to	to	PART
ajfti-5168	221	32	consult	consult	VERB
ajfti-5168	221	33	,	,	PUNCT
ajfti-5168	221	34	amend	amend	VERB
ajfti-5168	221	35	,	,	PUNCT
ajfti-5168	221	36	or	or	CCONJ
ajfti-5168	221	37	delete	delete	VERB
ajfti-5168	221	38	it	it	PRON
ajfti-5168	221	39	.	.	PUNCT
ajfti-5168	222	1	financial	financial	ADJ
ajfti-5168	222	2	institutions	institution	NOUN
ajfti-5168	222	3	should	should	AUX
ajfti-5168	222	4	also	also	ADV
ajfti-5168	222	5	ensure	ensure	VERB
ajfti-5168	222	6	explainability	explainability	NOUN
ajfti-5168	222	7	of	of	ADP
ajfti-5168	222	8	the	the	DET
ajfti-5168	222	9	ai	ai	NOUN
ajfti-5168	222	10	models	model	NOUN
ajfti-5168	222	11	that	that	PRON
ajfti-5168	222	12	detect	detect	VERB
ajfti-5168	222	13	fraud	fraud	NOUN
ajfti-5168	222	14	so	so	SCONJ
ajfti-5168	222	15	that	that	SCONJ
ajfti-5168	222	16	customers	customer	NOUN
ajfti-5168	222	17	are	be	AUX
ajfti-5168	222	18	aware	aware	ADJ
ajfti-5168	222	19	of	of	ADP
ajfti-5168	222	20	and	and	CCONJ
ajfti-5168	222	21	can	can	AUX
ajfti-5168	222	22	question	question	VERB
ajfti-5168	222	23	data	datum	NOUN
ajfti-5168	222	24	-	-	PUNCT
ajfti-5168	222	25	usage	usage	NOUN
ajfti-5168	222	26	by	by	ADP
ajfti-5168	222	27	ai	ai	PROPN
ajfti-5168	222	28	systems	system	NOUN
ajfti-5168	222	29	that	that	PRON
ajfti-5168	222	30	might	might	AUX
ajfti-5168	222	31	negatively	negatively	ADV
ajfti-5168	222	32	impact	impact	VERB
ajfti-5168	222	33	them	they	PRON
ajfti-5168	222	34	.	.	PUNCT
ajfti-5168	223	1	finding	find	VERB
ajfti-5168	223	2	the	the	DET
ajfti-5168	223	3	right	right	ADJ
ajfti-5168	223	4	equilibrium	equilibrium	NOUN
ajfti-5168	223	5	between	between	ADP
ajfti-5168	223	6	effective	effective	ADJ
ajfti-5168	223	7	fraud	fraud	NOUN
ajfti-5168	223	8	detection	detection	NOUN
ajfti-5168	223	9	and	and	CCONJ
ajfti-5168	223	10	data	datum	NOUN
ajfti-5168	223	11	privacy	privacy	NOUN
ajfti-5168	223	12	requirements	requirement	NOUN
ajfti-5168	223	13	is	be	AUX
ajfti-5168	223	14	crucial	crucial	ADJ
ajfti-5168	223	15	to	to	PART
ajfti-5168	223	16	ensure	ensure	VERB
ajfti-5168	223	17	trust	trust	NOUN
ajfti-5168	223	18	and	and	CCONJ
ajfti-5168	223	19	legal	legal	ADJ
ajfti-5168	223	20	compliance	compliance	NOUN
ajfti-5168	223	21	in	in	ADP
ajfti-5168	223	22	the	the	DET
ajfti-5168	223	23	context	context	NOUN
ajfti-5168	223	24	of	of	ADP
ajfti-5168	223	25	digital	digital	ADJ
ajfti-5168	223	26	banking	banking	NOUN
ajfti-5168	223	27	practices	practice	NOUN
ajfti-5168	223	28	.	.	PUNCT
ajfti-5168	224	1	future	future	ADJ
ajfti-5168	224	2	directions	direction	NOUN
ajfti-5168	224	3	and	and	CCONJ
ajfti-5168	224	4	innovations	innovation	NOUN
ajfti-5168	224	5	promising	promise	VERB
ajfti-5168	224	6	technologies	technology	NOUN
ajfti-5168	224	7	such	such	ADJ
ajfti-5168	224	8	as	as	ADP
ajfti-5168	224	9	federated	federated	ADJ
ajfti-5168	224	10	learning	learning	NOUN
ajfti-5168	224	11	,	,	PUNCT
ajfti-5168	224	12	explainable	explainable	ADJ
ajfti-5168	224	13	ai	ai	NOUN
ajfti-5168	224	14	(	(	PUNCT
ajfti-5168	224	15	xai	xai	PROPN
ajfti-5168	224	16	)	)	PUNCT
ajfti-5168	224	17	and	and	CCONJ
ajfti-5168	224	18	quantum	quantum	PROPN
ajfti-5168	224	19	computing	computing	NOUN
ajfti-5168	224	20	,	,	PUNCT
ajfti-5168	224	21	are	be	AUX
ajfti-5168	224	22	several	several	ADJ
ajfti-5168	224	23	benefits	benefit	NOUN
ajfti-5168	224	24	,	,	PUNCT
ajfti-5168	224	25	although	although	SCONJ
ajfti-5168	224	26	,	,	PUNCT
ajfti-5168	224	27	it	it	PRON
ajfti-5168	224	28	is	be	AUX
ajfti-5168	224	29	not	not	PART
ajfti-5168	224	30	without	without	ADP
ajfti-5168	224	31	challenges	challenge	NOUN
ajfti-5168	224	32	.	.	PUNCT
ajfti-5168	225	1	privacy	privacy	NOUN
ajfti-5168	225	2	is	be	AUX
ajfti-5168	225	3	one	one	NUM
ajfti-5168	225	4	,	,	PUNCT
ajfti-5168	225	5	as	as	SCONJ
ajfti-5168	225	6	ai	ai	VERB
ajfti-5168	225	7	often	often	ADV
ajfti-5168	225	8	needs	need	VERB
ajfti-5168	225	9	access	access	NOUN
ajfti-5168	225	10	to	to	ADP
ajfti-5168	225	11	highly	highly	ADV
ajfti-5168	225	12	-	-	PUNCT
ajfti-5168	225	13	sensitive	sensitive	ADJ
ajfti-5168	225	14	data	datum	NOUN
ajfti-5168	225	15	on	on	ADP
ajfti-5168	225	16	customers	customer	NOUN
ajfti-5168	225	17	in	in	ADP
ajfti-5168	225	18	order	order	NOUN
ajfti-5168	225	19	to	to	PART
ajfti-5168	225	20	operate	operate	VERB
ajfti-5168	225	21	,	,	PUNCT
ajfti-5168	225	22	increasing	increase	VERB
ajfti-5168	225	23	the	the	DET
ajfti-5168	225	24	chance	chance	NOUN
ajfti-5168	225	25	of	of	ADP
ajfti-5168	225	26	breaches	breach	NOUN
ajfti-5168	225	27	.	.	PUNCT
ajfti-5168	226	1	likewise	likewise	ADV
ajfti-5168	226	2	,	,	PUNCT
ajfti-5168	226	3	the	the	DET
ajfti-5168	226	4	expensive	expensive	ADJ
ajfti-5168	226	5	financial	financial	ADJ
ajfti-5168	226	6	cost	cost	NOUN
ajfti-5168	226	7	of	of	ADP
ajfti-5168	226	8	executing	execute	VERB
ajfti-5168	226	9	more	more	ADJ
ajfti-5168	226	10	complex	complex	ADJ
ajfti-5168	226	11	ai	ai	NOUN
ajfti-5168	226	12	innovation	innovation	NOUN
ajfti-5168	226	13	,	,	PUNCT
ajfti-5168	226	14	like	like	ADP
ajfti-5168	226	15	deep	deep	ADJ
ajfti-5168	226	16	learning	learning	NOUN
ajfti-5168	226	17	networks	network	NOUN
ajfti-5168	226	18	,	,	PUNCT
ajfti-5168	226	19	may	may	AUX
ajfti-5168	226	20	be	be	AUX
ajfti-5168	226	21	an	an	DET
ajfti-5168	226	22	obstacle	obstacle	NOUN
ajfti-5168	226	23	for	for	ADP
ajfti-5168	226	24	some	some	DET
ajfti-5168	226	25	banks	bank	NOUN
ajfti-5168	226	26	.	.	PUNCT
ajfti-5168	227	1	moreso	moreso	PROPN
ajfti-5168	227	2	,	,	PUNCT
ajfti-5168	227	3	low	low	ADJ
ajfti-5168	227	4	prevalence	prevalence	NOUN
ajfti-5168	227	5	of	of	ADP
ajfti-5168	227	6	fraudulent	fraudulent	ADJ
ajfti-5168	227	7	transactions	transaction	NOUN
ajfti-5168	227	8	makes	make	VERB
ajfti-5168	227	9	it	it	PRON
ajfti-5168	227	10	difficult	difficult	ADJ
ajfti-5168	227	11	to	to	PART
ajfti-5168	227	12	obtain	obtain	VERB
ajfti-5168	227	13	high	high	ADJ
ajfti-5168	227	14	-	-	PUNCT
ajfti-5168	227	15	quality	quality	NOUN
ajfti-5168	227	16	labelled	label	VERB
ajfti-5168	227	17	data	datum	NOUN
ajfti-5168	227	18	to	to	PART
ajfti-5168	227	19	train	train	VERB
ajfti-5168	227	20	the	the	DET
ajfti-5168	227	21	models	model	NOUN
ajfti-5168	227	22	,	,	PUNCT
ajfti-5168	227	23	resulting	result	VERB
ajfti-5168	227	24	in	in	ADP
ajfti-5168	227	25	imbalanced	imbalanced	ADJ
ajfti-5168	227	26	datasets	dataset	NOUN
ajfti-5168	227	27	.	.	PUNCT
ajfti-5168	228	1	these	these	DET
ajfti-5168	228	2	challenges	challenge	NOUN
ajfti-5168	228	3	need	need	VERB
ajfti-5168	228	4	to	to	PART
ajfti-5168	228	5	be	be	AUX
ajfti-5168	228	6	overcome	overcome	VERB
ajfti-5168	228	7	to	to	PART
ajfti-5168	228	8	use	use	VERB
ajfti-5168	228	9	the	the	DET
ajfti-5168	228	10	potential	potential	NOUN
ajfti-5168	228	11	of	of	ADP
ajfti-5168	228	12	ai	ai	VERB
ajfti-5168	228	13	to	to	PART
ajfti-5168	228	14	help	help	VERB
ajfti-5168	228	15	in	in	ADP
ajfti-5168	228	16	fraud	fraud	NOUN
ajfti-5168	228	17	prevention	prevention	NOUN
ajfti-5168	228	18	.	.	PUNCT
ajfti-5168	229	1	ethical	ethical	ADJ
ajfti-5168	229	2	and	and	CCONJ
ajfti-5168	229	3	regulatory	regulatory	ADJ
ajfti-5168	229	4	considerations	consideration	NOUN
ajfti-5168	229	5	the	the	DET
ajfti-5168	229	6	employment	employment	NOUN
ajfti-5168	229	7	of	of	ADP
ajfti-5168	229	8	artificial	artificial	ADJ
ajfti-5168	229	9	intelligence	intelligence	NOUN
ajfti-5168	229	10	and	and	CCONJ
ajfti-5168	229	11	machine	machine	NOUN
ajfti-5168	229	12	learning	learning	NOUN
ajfti-5168	229	13	technologies	technology	NOUN
ajfti-5168	229	14	specifically	specifically	ADV
ajfti-5168	229	15	in	in	ADP
ajfti-5168	229	16	fraud	fraud	NOUN
ajfti-5168	229	17	detection	detection	NOUN
ajfti-5168	229	18	has	have	AUX
ajfti-5168	229	19	brought	bring	VERB
ajfti-5168	229	20	about	about	ADP
ajfti-5168	229	21	considerable	considerable	ADJ
ajfti-5168	229	22	ethical	ethical	ADJ
ajfti-5168	229	23	issues	issue	NOUN
ajfti-5168	229	24	,	,	PUNCT
ajfti-5168	229	25	specifically	specifically	ADV
ajfti-5168	229	26	regarding	regard	VERB
ajfti-5168	229	27	“	"	PUNCT
ajfti-5168	229	28	bias	bias	NOUN
ajfti-5168	229	29	”	"	PUNCT
ajfti-5168	229	30	,	,	PUNCT
ajfti-5168	229	31	“	"	PUNCT
ajfti-5168	229	32	fairness	fairness	NOUN
ajfti-5168	229	33	”	"	PUNCT
ajfti-5168	229	34	,	,	PUNCT
ajfti-5168	229	35	and	and	CCONJ
ajfti-5168	229	36	“	"	PUNCT
ajfti-5168	229	37	transparency	transparency	NOUN
ajfti-5168	229	38	”	"	PUNCT
ajfti-5168	229	39	(	(	PUNCT
ajfti-5168	229	40	adhikari	adhikari	PROPN
ajfti-5168	229	41	et	et	PROPN
ajfti-5168	229	42	al	al	PROPN
ajfti-5168	229	43	.	.	PROPN
ajfti-5168	229	44	,	,	PUNCT
ajfti-5168	229	45	2024	2024	NUM
ajfti-5168	229	46	)	)	PUNCT
ajfti-5168	229	47	.	.	PUNCT
ajfti-5168	230	1	among	among	ADP
ajfti-5168	230	2	these	these	PRON
ajfti-5168	230	3	is	be	AUX
ajfti-5168	230	4	machine	machine	NOUN
ajfti-5168	230	5	learning	learning	NOUN
ajfti-5168	230	6	bias	bias	NOUN
ajfti-5168	230	7	.	.	PUNCT
ajfti-5168	231	1	these	these	DET
ajfti-5168	231	2	models	model	NOUN
ajfti-5168	231	3	are	be	AUX
ajfti-5168	231	4	usually	usually	ADV
ajfti-5168	231	5	trained	train	VERB
ajfti-5168	231	6	on	on	ADP
ajfti-5168	231	7	past	past	ADJ
ajfti-5168	231	8	data	datum	NOUN
ajfti-5168	231	9	that	that	PRON
ajfti-5168	231	10	can	can	AUX
ajfti-5168	231	11	include	include	VERB
ajfti-5168	231	12	societal	societal	ADJ
ajfti-5168	231	13	biases	bias	NOUN
ajfti-5168	231	14	.	.	PUNCT
ajfti-5168	232	1	if	if	SCONJ
ajfti-5168	232	2	biases	bias	NOUN
ajfti-5168	232	3	in	in	ADP
ajfti-5168	232	4	the	the	DET
ajfti-5168	232	5	datasets	dataset	NOUN
ajfti-5168	232	6	used	use	VERB
ajfti-5168	232	7	to	to	PART
ajfti-5168	232	8	train	train	VERB
ajfti-5168	232	9	the	the	DET
ajfti-5168	232	10	ai	ai	NOUN
ajfti-5168	232	11	models	model	NOUN
ajfti-5168	232	12	are	be	AUX
ajfti-5168	232	13	not	not	PART
ajfti-5168	232	14	carefully	carefully	ADV
ajfti-5168	232	15	filtered	filter	VERB
ajfti-5168	232	16	out	out	ADP
ajfti-5168	232	17	,	,	PUNCT
ajfti-5168	232	18	the	the	DET
ajfti-5168	232	19	ai	ai	PROPN
ajfti-5168	232	20	systems	system	NOUN
ajfti-5168	232	21	can	can	AUX
ajfti-5168	232	22	reproduce	reproduce	VERB
ajfti-5168	232	23	these	these	DET
ajfti-5168	232	24	biases	bias	NOUN
ajfti-5168	232	25	with	with	ADP
ajfti-5168	232	26	unsound	unsound	ADJ
ajfti-5168	232	27	and	and	CCONJ
ajfti-5168	232	28	unmeritocratic	unmeritocratic	ADJ
ajfti-5168	232	29	results	result	NOUN
ajfti-5168	232	30	.	.	PUNCT
ajfti-5168	233	1	an	an	DET
ajfti-5168	233	2	ai	ai	NOUN
ajfti-5168	233	3	trained	train	VERB
ajfti-5168	233	4	on	on	ADP
ajfti-5168	233	5	biased	biased	ADJ
ajfti-5168	233	6	historical	historical	ADJ
ajfti-5168	233	7	data	datum	NOUN
ajfti-5168	233	8	could	could	AUX
ajfti-5168	233	9	,	,	PUNCT
ajfti-5168	233	10	for	for	ADP
ajfti-5168	233	11	example	example	NOUN
ajfti-5168	233	12	,	,	PUNCT
ajfti-5168	233	13	identify	identify	VERB
ajfti-5168	233	14	some	some	DET
ajfti-5168	233	15	population	population	NOUN
ajfti-5168	233	16	group	group	NOUN
ajfti-5168	233	17	as	as	ADP
ajfti-5168	233	18	more	more	ADV
ajfti-5168	233	19	likely	likely	ADJ
ajfti-5168	233	20	to	to	PART
ajfti-5168	233	21	commit	commit	VERB
ajfti-5168	233	22	fraud	fraud	NOUN
ajfti-5168	233	23	,	,	PUNCT
ajfti-5168	233	24	despite	despite	SCONJ
ajfti-5168	233	25	being	be	AUX
ajfti-5168	233	26	actually	actually	ADV
ajfti-5168	233	27	no	no	ADV
ajfti-5168	233	28	more	more	ADV
ajfti-5168	233	29	at	at	ADP
ajfti-5168	233	30	risk	risk	NOUN
ajfti-5168	233	31	than	than	ADP
ajfti-5168	233	32	others	other	NOUN
ajfti-5168	233	33	.	.	PUNCT
ajfti-5168	234	1	ai	ai	VERB
ajfti-5168	234	2	fairness	fairness	NOUN
ajfti-5168	234	3	is	be	AUX
ajfti-5168	234	4	yet	yet	ADV
ajfti-5168	234	5	another	another	DET
ajfti-5168	234	6	primary	primary	ADJ
ajfti-5168	234	7	issue	issue	NOUN
ajfti-5168	234	8	.	.	PUNCT
ajfti-5168	235	1	artificial	artificial	ADJ
ajfti-5168	235	2	intelligence	intelligence	NOUN
ajfti-5168	235	3	fraud	fraud	NOUN
ajfti-5168	235	4	detection	detection	NOUN
ajfti-5168	235	5	must	must	AUX
ajfti-5168	235	6	be	be	AUX
ajfti-5168	235	7	fair	fair	ADJ
ajfti-5168	235	8	in	in	SCONJ
ajfti-5168	235	9	that	that	SCONJ
ajfti-5168	235	10	there	there	PRON
ajfti-5168	235	11	is	be	VERB
ajfti-5168	235	12	no	no	DET
ajfti-5168	235	13	abusing	abusing	NOUN
ajfti-5168	235	14	of	of	ADP
ajfti-5168	235	15	a	a	DET
ajfti-5168	235	16	human	human	ADJ
ajfti-5168	235	17	being	being	NOUN
ajfti-5168	235	18	;	;	PUNCT
ajfti-5168	235	19	no	no	DET
ajfti-5168	235	20	one	one	NOUN
ajfti-5168	235	21	is	be	AUX
ajfti-5168	235	22	discriminated	discriminate	VERB
ajfti-5168	235	23	against	against	ADP
ajfti-5168	235	24	,	,	PUNCT
ajfti-5168	235	25	all	all	DET
ajfti-5168	235	26	customers	customer	NOUN
ajfti-5168	235	27	are	be	AUX
ajfti-5168	235	28	treated	treat	VERB
ajfti-5168	235	29	equitably	equitably	ADV
ajfti-5168	235	30	,	,	PUNCT
ajfti-5168	235	31	regardless	regardless	ADV
ajfti-5168	235	32	of	of	ADP
ajfti-5168	235	33	race	race	NOUN
ajfti-5168	235	34	,	,	PUNCT
ajfti-5168	235	35	gender	gender	NOUN
ajfti-5168	235	36	,	,	PUNCT
ajfti-5168	235	37	socio	socio	NOUN
ajfti-5168	235	38	-	-	PUNCT
ajfti-5168	235	39	economic	economic	ADJ
ajfti-5168	235	40	status	status	NOUN
ajfti-5168	235	41	,	,	PUNCT
ajfti-5168	235	42	etc	etc	X
ajfti-5168	235	43	.	.	X
ajfti-5168	236	1	this	this	PRON
ajfti-5168	236	2	is	be	AUX
ajfti-5168	236	3	especially	especially	ADV
ajfti-5168	236	4	problematic	problematic	ADJ
ajfti-5168	236	5	within	within	ADP
ajfti-5168	236	6	financial	financial	ADJ
ajfti-5168	236	7	services	service	NOUN
ajfti-5168	236	8	,	,	PUNCT
ajfti-5168	236	9	where	where	SCONJ
ajfti-5168	236	10	discriminatory	discriminatory	ADJ
ajfti-5168	236	11	conduct	conduct	NOUN
ajfti-5168	236	12	can	can	AUX
ajfti-5168	236	13	lead	lead	VERB
ajfti-5168	236	14	to	to	ADP
ajfti-5168	236	15	financial	financial	ADJ
ajfti-5168	236	16	harm	harm	NOUN
ajfti-5168	236	17	,	,	PUNCT
ajfti-5168	236	18	loss	loss	NOUN
ajfti-5168	236	19	of	of	ADP
ajfti-5168	236	20	banking	banking	NOUN
ajfti-5168	236	21	access	access	NOUN
ajfti-5168	236	22	,	,	PUNCT
ajfti-5168	236	23	or	or	CCONJ
ajfti-5168	236	24	being	be	AUX
ajfti-5168	236	25	wrongfully	wrongfully	ADV
ajfti-5168	236	26	accused	accuse	VERB
ajfti-5168	236	27	of	of	ADP
ajfti-5168	236	28	fraud	fraud	NOUN
ajfti-5168	236	29	.	.	PUNCT
ajfti-5168	237	1	“	"	PUNCT
ajfti-5168	237	2	transparency	transparency	NOUN
ajfti-5168	237	3	”	"	PUNCT
ajfti-5168	237	4	is	be	AUX
ajfti-5168	237	5	also	also	ADV
ajfti-5168	237	6	of	of	ADP
ajfti-5168	237	7	great	great	ADJ
ajfti-5168	237	8	importance	importance	NOUN
ajfti-5168	237	9	in	in	ADP
ajfti-5168	237	10	the	the	DET
ajfti-5168	237	11	context	context	NOUN
ajfti-5168	237	12	of	of	ADP
ajfti-5168	237	13	using	use	VERB
ajfti-5168	237	14	ai	ai	VERB
ajfti-5168	237	15	for	for	ADP
ajfti-5168	237	16	fraud	fraud	NOUN
ajfti-5168	237	17	detection	detection	NOUN
ajfti-5168	237	18	.	.	PUNCT
ajfti-5168	238	1	banks	bank	NOUN
ajfti-5168	238	2	should	should	AUX
ajfti-5168	238	3	only	only	ADV
ajfti-5168	238	4	use	use	VERB
ajfti-5168	238	5	ai	ai	ADJ
ajfti-5168	238	6	-	-	PUNCT
ajfti-5168	238	7	based	base	VERB
ajfti-5168	238	8	decision	decision	NOUN
ajfti-5168	238	9	models	model	NOUN
ajfti-5168	238	10	that	that	PRON
ajfti-5168	238	11	are	be	AUX
ajfti-5168	238	12	transparent	transparent	ADJ
ajfti-5168	238	13	and	and	CCONJ
ajfti-5168	238	14	the	the	DET
ajfti-5168	238	15	reasons	reason	NOUN
ajfti-5168	238	16	for	for	ADP
ajfti-5168	238	17	decisions	decision	NOUN
ajfti-5168	238	18	can	can	AUX
ajfti-5168	238	19	be	be	AUX
ajfti-5168	238	20	explained	explain	VERB
ajfti-5168	238	21	.	.	PUNCT
ajfti-5168	239	1	particularly	particularly	ADV
ajfti-5168	239	2	when	when	SCONJ
ajfti-5168	239	3	the	the	DET
ajfti-5168	239	4	ramifications	ramification	NOUN
ajfti-5168	239	5	are	be	AUX
ajfti-5168	239	6	significant	significant	ADJ
ajfti-5168	239	7	,	,	PUNCT
ajfti-5168	239	8	such	such	ADJ
ajfti-5168	239	9	as	as	ADP
ajfti-5168	239	10	blocking	block	VERB
ajfti-5168	239	11	a	a	DET
ajfti-5168	239	12	transaction	transaction	NOUN
ajfti-5168	239	13	or	or	CCONJ
ajfti-5168	239	14	freezing	freeze	VERB
ajfti-5168	239	15	an	an	DET
ajfti-5168	239	16	account	account	NOUN
ajfti-5168	239	17	,	,	PUNCT
ajfti-5168	239	18	it	it	PRON
ajfti-5168	239	19	is	be	AUX
ajfti-5168	239	20	important	important	ADJ
ajfti-5168	239	21	for	for	SCONJ
ajfti-5168	239	22	both	both	PRON
ajfti-5168	239	23	customers	customer	NOUN
ajfti-5168	239	24	and	and	CCONJ
ajfti-5168	239	25	regulators	regulator	NOUN
ajfti-5168	239	26	to	to	PART
ajfti-5168	239	27	comprehend	comprehend	VERB
ajfti-5168	239	28	the	the	DET
ajfti-5168	239	29	reasoning	reasoning	NOUN
ajfti-5168	239	30	behind	behind	ADP
ajfti-5168	239	31	the	the	DET
ajfti-5168	239	32	outcomes	outcome	NOUN
ajfti-5168	239	33	of	of	ADP
ajfti-5168	239	34	ai	ai	PROPN
ajfti-5168	239	35	models	model	NOUN
ajfti-5168	239	36	.	.	PUNCT
ajfti-5168	240	1	the	the	DET
ajfti-5168	240	2	absence	absence	NOUN
ajfti-5168	240	3	of	of	ADP
ajfti-5168	240	4	transparency	transparency	NOUN
ajfti-5168	240	5	can	can	AUX
ajfti-5168	240	6	promote	promote	VERB
ajfti-5168	240	7	“	"	PUNCT
ajfti-5168	240	8	black	black	ADJ
ajfti-5168	240	9	boxes	box	NOUN
ajfti-5168	240	10	”	"	PUNCT
ajfti-5168	240	11	in	in	ADP
ajfti-5168	240	12	ai	ai	PROPN
ajfti-5168	240	13	systems	system	NOUN
ajfti-5168	240	14	,	,	PUNCT
ajfti-5168	240	15	raising	raise	VERB
ajfti-5168	240	16	issues	issue	NOUN
ajfti-5168	240	17	of	of	ADP
ajfti-5168	240	18	trust	trust	NOUN
ajfti-5168	240	19	concerning	concern	VERB
ajfti-5168	240	20	fairness	fairness	NOUN
ajfti-5168	240	21	and	and	CCONJ
ajfti-5168	240	22	accountability	accountability	NOUN
ajfti-5168	240	23	(	(	PUNCT
ajfti-5168	240	24	ismaeil	ismaeil	NOUN
ajfti-5168	240	25	,	,	PUNCT
ajfti-5168	240	26	2024	2024	NUM
ajfti-5168	240	27	)	)	PUNCT
ajfti-5168	240	28	.	.	PUNCT
ajfti-5168	241	1	regulatory	regulatory	ADJ
ajfti-5168	241	2	compliance	compliance	NOUN
ajfti-5168	241	3	ai	ai	VERB
ajfti-5168	241	4	technology	technology	NOUN
ajfti-5168	241	5	fraud	fraud	NOUN
ajfti-5168	241	6	detection	detection	NOUN
ajfti-5168	241	7	programs	program	NOUN
ajfti-5168	241	8	are	be	AUX
ajfti-5168	241	9	covered	cover	VERB
ajfti-5168	241	10	by	by	ADP
ajfti-5168	241	11	much	much	ADJ
ajfti-5168	241	12	of	of	ADP
ajfti-5168	241	13	the	the	DET
ajfti-5168	241	14	same	same	ADJ
ajfti-5168	241	15	financial	financial	ADJ
ajfti-5168	241	16	regulations	regulation	NOUN
ajfti-5168	241	17	,	,	PUNCT
ajfti-5168	241	18	as	as	SCONJ
ajfti-5168	241	19	any	any	DET
ajfti-5168	241	20	acceptable	acceptable	ADJ
ajfti-5168	241	21	program	program	NOUN
ajfti-5168	241	22	must	must	AUX
ajfti-5168	241	23	use	use	VERB
ajfti-5168	241	24	in	in	SCONJ
ajfti-5168	241	25	order	order	NOUN
ajfti-5168	241	26	to	to	PART
ajfti-5168	241	27	be	be	AUX
ajfti-5168	241	28	legally	legally	ADV
ajfti-5168	241	29	practiced	practice	VERB
ajfti-5168	241	30	.	.	PUNCT
ajfti-5168	242	1	this	this	PRON
ajfti-5168	242	2	is	be	AUX
ajfti-5168	242	3	particularly	particularly	ADV
ajfti-5168	242	4	true	true	ADJ
ajfti-5168	242	5	for	for	ADP
ajfti-5168	242	6	sectors	sector	NOUN
ajfti-5168	242	7	that	that	PRON
ajfti-5168	242	8	involve	involve	VERB
ajfti-5168	242	9	sensitive	sensitive	ADJ
ajfti-5168	242	10	financial	financial	ADJ
ajfti-5168	242	11	data	datum	NOUN
ajfti-5168	242	12	like	like	ADP
ajfti-5168	242	13	banking	banking	NOUN
ajfti-5168	242	14	.	.	PUNCT
ajfti-5168	243	1	perhaps	perhaps	ADV
ajfti-5168	243	2	more	more	ADV
ajfti-5168	243	3	importantly	importantly	ADV
ajfti-5168	243	4	,	,	PUNCT
ajfti-5168	243	5	the	the	DET
ajfti-5168	243	6	most	most	ADV
ajfti-5168	243	7	pertinent	pertinent	NOUN
ajfti-5168	243	8	of	of	ADP
ajfti-5168	243	9	these	these	DET
ajfti-5168	243	10	frameworks	framework	NOUN
ajfti-5168	243	11	is	be	AUX
ajfti-5168	243	12	the	the	DET
ajfti-5168	243	13	“	"	PUNCT
ajfti-5168	243	14	general	general	ADJ
ajfti-5168	243	15	data	datum	NOUN
ajfti-5168	243	16	protection	protection	NOUN
ajfti-5168	243	17	regulation	regulation	NOUN
ajfti-5168	243	18	(	(	PUNCT
ajfti-5168	243	19	gdpr	gdpr	NOUN
ajfti-5168	243	20	)	)	PUNCT
ajfti-5168	243	21	”	"	PUNCT
ajfti-5168	243	22	which	which	PRON
ajfti-5168	243	23	sets	set	VERB
ajfti-5168	243	24	stringent	stringent	ADJ
ajfti-5168	243	25	protocols	protocol	NOUN
ajfti-5168	243	26	around	around	ADP
ajfti-5168	243	27	personal	personal	ADJ
ajfti-5168	243	28	data	datum	NOUN
ajfti-5168	243	29	collection	collection	NOUN
ajfti-5168	243	30	,	,	PUNCT
ajfti-5168	243	31	processing	processing	NOUN
ajfti-5168	243	32	,	,	PUNCT
ajfti-5168	243	33	and	and	CCONJ
ajfti-5168	243	34	storage	storage	NOUN
ajfti-5168	243	35	(	(	PUNCT
ajfti-5168	243	36	adaji	adaji	PROPN
ajfti-5168	243	37	et	et	PROPN
ajfti-5168	243	38	al	al	PROPN
ajfti-5168	243	39	.	.	PROPN
ajfti-5168	243	40	,	,	PUNCT
ajfti-5168	243	41	2025	2025	NUM
ajfti-5168	243	42	)	)	PUNCT
ajfti-5168	243	43	.	.	PUNCT
ajfti-5168	244	1	ai	ai	AUX
ajfti-5168	244	2	systems	system	NOUN
ajfti-5168	244	3	for	for	ADP
ajfti-5168	244	4	fraud	fraud	NOUN
ajfti-5168	244	5	detection	detection	NOUN
ajfti-5168	244	6	would	would	AUX
ajfti-5168	244	7	also	also	ADV
ajfti-5168	244	8	need	need	VERB
ajfti-5168	244	9	to	to	PART
ajfti-5168	244	10	be	be	AUX
ajfti-5168	244	11	regulated	regulate	VERB
ajfti-5168	244	12	under	under	ADP
ajfti-5168	244	13	gdpr	gdpr	NOUN
ajfti-5168	244	14	to	to	PART
ajfti-5168	244	15	safeguard	safeguard	VERB
ajfti-5168	244	16	customer	customer	NOUN
ajfti-5168	244	17	information	information	NOUN
ajfti-5168	244	18	,	,	PUNCT
ajfti-5168	244	19	translating	translate	VERB
ajfti-5168	244	20	pa	pa	PROPN
ajfti-5168	244	21	ge	ge	PROPN
ajfti-5168	244	22	18	18	NUM
ajfti-5168	244	23	4	4	NUM
ajfti-5168	244	24	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-5168	244	25	am	be	AUX
ajfti-5168	244	26	.	.	PUNCT
ajfti-5168	245	1	j.	j.	PROPN
ajfti-5168	245	2	financ	financ	PROPN
ajfti-5168	245	3	.	.	PUNCT
ajfti-5168	246	1	technol	technol	PROPN
ajfti-5168	246	2	.	.	PUNCT
ajfti-5168	246	3	innov	innov	PROPN
ajfti-5168	246	4	.	.	PUNCT
ajfti-5168	247	1	3(1	3(1	NUM
ajfti-5168	247	2	)	)	PUNCT
ajfti-5168	247	3	177	177	NUM
ajfti-5168	247	4	-	-	SYM
ajfti-5168	247	5	187	187	NUM
ajfti-5168	247	6	,	,	PUNCT
ajfti-5168	247	7	2025	2025	NUM
ajfti-5168	247	8	poised	poise	VERB
ajfti-5168	247	9	to	to	PART
ajfti-5168	247	10	take	take	VERB
ajfti-5168	247	11	the	the	DET
ajfti-5168	247	12	future	future	NOUN
ajfti-5168	247	13	of	of	ADP
ajfti-5168	247	14	ai	ai	NOUN
ajfti-5168	247	15	and	and	CCONJ
ajfti-5168	247	16	ml	ml	X
ajfti-5168	247	17	in	in	ADP
ajfti-5168	247	18	fraud	fraud	NOUN
ajfti-5168	247	19	detection	detection	NOUN
ajfti-5168	247	20	to	to	ADP
ajfti-5168	247	21	thrilling	thrill	VERB
ajfti-5168	247	22	new	new	ADJ
ajfti-5168	247	23	levels	level	NOUN
ajfti-5168	247	24	(	(	PUNCT
ajfti-5168	247	25	odeyemi	odeyemi	ADV
ajfti-5168	247	26	et	et	PROPN
ajfti-5168	247	27	al	al	PROPN
ajfti-5168	247	28	.	.	PROPN
ajfti-5168	247	29	,	,	PUNCT
ajfti-5168	247	30	2024	2024	NUM
ajfti-5168	247	31	)	)	PUNCT
ajfti-5168	247	32	.	.	PUNCT
ajfti-5168	248	1	because	because	SCONJ
ajfti-5168	248	2	quantum	quantum	NOUN
ajfti-5168	248	3	computing	computing	NOUN
ajfti-5168	248	4	can	can	AUX
ajfti-5168	248	5	process	process	VERB
ajfti-5168	248	6	large	large	ADJ
ajfti-5168	248	7	sets	set	NOUN
ajfti-5168	248	8	of	of	ADP
ajfti-5168	248	9	data	datum	NOUN
ajfti-5168	248	10	with	with	ADP
ajfti-5168	248	11	far	far	ADV
ajfti-5168	248	12	greater	great	ADJ
ajfti-5168	248	13	speeds	speed	NOUN
ajfti-5168	248	14	than	than	ADP
ajfti-5168	248	15	classical	classical	ADJ
ajfti-5168	248	16	computers	computer	NOUN
ajfti-5168	248	17	,	,	PUNCT
ajfti-5168	248	18	this	this	DET
ajfti-5168	248	19	technology	technology	NOUN
ajfti-5168	248	20	can	can	AUX
ajfti-5168	248	21	revolutionize	revolutionize	VERB
ajfti-5168	248	22	fraud	fraud	NOUN
ajfti-5168	248	23	detection	detection	PROPN
ajfti-5168	248	24	.	.	PUNCT
ajfti-5168	249	1	these	these	DET
ajfti-5168	249	2	systems	system	NOUN
ajfti-5168	249	3	could	could	AUX
ajfti-5168	249	4	be	be	AUX
ajfti-5168	249	5	orders	order	NOUN
ajfti-5168	249	6	of	of	ADP
ajfti-5168	249	7	magnitude	magnitude	NOUN
ajfti-5168	249	8	faster	fast	ADV
ajfti-5168	249	9	and	and	CCONJ
ajfti-5168	249	10	efficient	efficient	ADJ
ajfti-5168	249	11	in	in	ADP
ajfti-5168	249	12	the	the	DET
ajfti-5168	249	13	search	search	NOUN
ajfti-5168	249	14	for	for	ADP
ajfti-5168	249	15	fraudulent	fraudulent	ADJ
ajfti-5168	249	16	patterns	pattern	NOUN
ajfti-5168	249	17	,	,	PUNCT
ajfti-5168	249	18	patterns	pattern	NOUN
ajfti-5168	249	19	that	that	PRON
ajfti-5168	249	20	could	could	AUX
ajfti-5168	249	21	be	be	AUX
ajfti-5168	249	22	analysed	analyse	VERB
ajfti-5168	249	23	even	even	ADV
ajfti-5168	249	24	in	in	ADP
ajfti-5168	249	25	real	real	ADJ
ajfti-5168	249	26	time	time	NOUN
ajfti-5168	249	27	,	,	PUNCT
ajfti-5168	249	28	patterns	pattern	NOUN
ajfti-5168	249	29	that	that	PRON
ajfti-5168	249	30	previously	previously	ADV
ajfti-5168	249	31	could	could	AUX
ajfti-5168	249	32	not	not	PART
ajfti-5168	249	33	be	be	AUX
ajfti-5168	249	34	.	.	PUNCT
ajfti-5168	250	1	a	a	DET
ajfti-5168	250	2	rising	rise	VERB
ajfti-5168	250	3	second	second	ADJ
ajfti-5168	250	4	area	area	NOUN
ajfti-5168	250	5	of	of	ADP
ajfti-5168	250	6	interest	interest	NOUN
ajfti-5168	250	7	is	be	AUX
ajfti-5168	250	8	explainable	explainable	ADJ
ajfti-5168	250	9	artificial	artificial	ADJ
ajfti-5168	250	10	intelligence	intelligence	NOUN
ajfti-5168	250	11	(	(	PUNCT
ajfti-5168	250	12	xai	xai	PROPN
ajfti-5168	250	13	)	)	PUNCT
ajfti-5168	250	14	,	,	PUNCT
ajfti-5168	250	15	which	which	PRON
ajfti-5168	250	16	aims	aim	VERB
ajfti-5168	250	17	at	at	ADP
ajfti-5168	250	18	increasing	increase	VERB
ajfti-5168	250	19	transparency	transparency	NOUN
ajfti-5168	250	20	and	and	CCONJ
ajfti-5168	250	21	interpretability	interpretability	NOUN
ajfti-5168	250	22	of	of	ADP
ajfti-5168	250	23	ai	ai	PROPN
ajfti-5168	250	24	models	model	NOUN
ajfti-5168	250	25	.	.	PUNCT
ajfti-5168	251	1	since	since	SCONJ
ajfti-5168	251	2	ai	ai	NOUN
ajfti-5168	251	3	is	be	AUX
ajfti-5168	251	4	now	now	ADV
ajfti-5168	251	5	moving	move	VERB
ajfti-5168	251	6	into	into	ADP
ajfti-5168	251	7	more	more	ADV
ajfti-5168	251	8	critical	critical	ADJ
ajfti-5168	251	9	domains	domain	NOUN
ajfti-5168	251	10	such	such	ADJ
ajfti-5168	251	11	as	as	ADP
ajfti-5168	251	12	fraud	fraud	NOUN
ajfti-5168	251	13	detection	detection	NOUN
ajfti-5168	251	14	,	,	PUNCT
ajfti-5168	251	15	we	we	PRON
ajfti-5168	251	16	need	need	VERB
ajfti-5168	251	17	to	to	PART
ajfti-5168	251	18	ensure	ensure	VERB
ajfti-5168	251	19	that	that	SCONJ
ajfti-5168	251	20	the	the	DET
ajfti-5168	251	21	decision	decision	NOUN
ajfti-5168	251	22	-	-	PUNCT
ajfti-5168	251	23	making	make	VERB
ajfti-5168	251	24	process	process	NOUN
ajfti-5168	251	25	is	be	AUX
ajfti-5168	251	26	interpretable	interpretable	ADJ
ajfti-5168	251	27	to	to	ADP
ajfti-5168	251	28	humans	human	NOUN
ajfti-5168	251	29	.	.	PUNCT
ajfti-5168	252	1	because	because	SCONJ
ajfti-5168	252	2	xai	xai	PROPN
ajfti-5168	252	3	provides	provide	VERB
ajfti-5168	252	4	more	more	ADJ
ajfti-5168	252	5	transparency	transparency	NOUN
ajfti-5168	252	6	into	into	ADP
ajfti-5168	252	7	how	how	SCONJ
ajfti-5168	252	8	models	model	NOUN
ajfti-5168	252	9	come	come	VERB
ajfti-5168	252	10	to	to	ADP
ajfti-5168	252	11	conclusions	conclusion	NOUN
ajfti-5168	252	12	,	,	PUNCT
ajfti-5168	252	13	it	it	PRON
ajfti-5168	252	14	can	can	AUX
ajfti-5168	252	15	help	help	VERB
ajfti-5168	252	16	foster	foster	VERB
ajfti-5168	252	17	trust	trust	NOUN
ajfti-5168	252	18	amongst	amongst	ADP
ajfti-5168	252	19	customers	customer	NOUN
ajfti-5168	252	20	and	and	CCONJ
ajfti-5168	252	21	regulators	regulator	NOUN
ajfti-5168	252	22	.	.	PUNCT
ajfti-5168	253	1	one	one	NUM
ajfti-5168	253	2	new	new	ADJ
ajfti-5168	253	3	technique	technique	NOUN
ajfti-5168	253	4	,	,	PUNCT
ajfti-5168	253	5	called	call	VERB
ajfti-5168	253	6	federated	federated	ADJ
ajfti-5168	253	7	learning	learning	NOUN
ajfti-5168	253	8	,	,	PUNCT
ajfti-5168	253	9	is	be	AUX
ajfti-5168	253	10	a	a	DET
ajfti-5168	253	11	new	new	ADJ
ajfti-5168	253	12	way	way	NOUN
ajfti-5168	253	13	of	of	ADP
ajfti-5168	253	14	training	training	NOUN
ajfti-5168	253	15	machine	machine	NOUN
ajfti-5168	253	16	learning	learning	NOUN
ajfti-5168	253	17	models	model	NOUN
ajfti-5168	253	18	in	in	ADP
ajfti-5168	253	19	which	which	PRON
ajfti-5168	253	20	the	the	DET
ajfti-5168	253	21	modelling	modelling	NOUN
ajfti-5168	253	22	occurs	occur	VERB
ajfti-5168	253	23	on	on	ADP
ajfti-5168	253	24	distributed	distribute	VERB
ajfti-5168	253	25	devices	device	NOUN
ajfti-5168	253	26	or	or	CCONJ
ajfti-5168	253	27	servers	server	NOUN
ajfti-5168	253	28	rather	rather	ADV
ajfti-5168	253	29	than	than	ADP
ajfti-5168	253	30	a	a	DET
ajfti-5168	253	31	centralized	centralized	ADJ
ajfti-5168	253	32	server	server	NOUN
ajfti-5168	253	33	,	,	PUNCT
ajfti-5168	253	34	helping	help	VERB
ajfti-5168	253	35	financial	financial	ADJ
ajfti-5168	253	36	institutions	institution	NOUN
ajfti-5168	253	37	to	to	PART
ajfti-5168	253	38	cooperate	cooperate	VERB
ajfti-5168	253	39	in	in	ADP
ajfti-5168	253	40	building	build	VERB
ajfti-5168	253	41	a	a	DET
ajfti-5168	253	42	better	well	ADJ
ajfti-5168	253	43	fraud	fraud	NOUN
ajfti-5168	253	44	detection	detection	NOUN
ajfti-5168	253	45	system	system	NOUN
ajfti-5168	253	46	without	without	ADP
ajfti-5168	253	47	the	the	DET
ajfti-5168	253	48	need	need	NOUN
ajfti-5168	253	49	to	to	PART
ajfti-5168	253	50	share	share	VERB
ajfti-5168	253	51	sensitive	sensitive	ADJ
ajfti-5168	253	52	customer	customer	NOUN
ajfti-5168	253	53	data	datum	NOUN
ajfti-5168	253	54	.	.	PUNCT
ajfti-5168	254	1	the	the	DET
ajfti-5168	254	2	benefits	benefit	NOUN
ajfti-5168	254	3	include	include	VERB
ajfti-5168	254	4	improved	improve	VERB
ajfti-5168	254	5	privacy	privacy	NOUN
ajfti-5168	254	6	and	and	CCONJ
ajfti-5168	254	7	security	security	NOUN
ajfti-5168	254	8	as	as	ADV
ajfti-5168	254	9	well	well	ADV
ajfti-5168	254	10	as	as	ADP
ajfti-5168	254	11	,	,	PUNCT
ajfti-5168	254	12	more	more	ADV
ajfti-5168	254	13	effective	effective	ADJ
ajfti-5168	254	14	training	training	NOUN
ajfti-5168	254	15	of	of	ADP
ajfti-5168	254	16	models	model	NOUN
ajfti-5168	254	17	across	across	ADP
ajfti-5168	254	18	institutions	institution	NOUN
ajfti-5168	254	19	.	.	PUNCT
ajfti-5168	255	1	collaboration	collaboration	NOUN
ajfti-5168	255	2	and	and	CCONJ
ajfti-5168	255	3	cross	cross	ADJ
ajfti-5168	255	4	-	-	ADJ
ajfti-5168	255	5	industry	industry	ADJ
ajfti-5168	255	6	solutions	solution	NOUN
ajfti-5168	255	7	a	a	DET
ajfti-5168	255	8	rise	rise	NOUN
ajfti-5168	255	9	in	in	ADP
ajfti-5168	255	10	the	the	DET
ajfti-5168	255	11	complexity	complexity	NOUN
ajfti-5168	255	12	of	of	ADP
ajfti-5168	255	13	fraud	fraud	NOUN
ajfti-5168	255	14	as	as	ADV
ajfti-5168	255	15	well	well	ADV
ajfti-5168	255	16	as	as	ADP
ajfti-5168	255	17	reliance	reliance	NOUN
ajfti-5168	255	18	on	on	ADP
ajfti-5168	255	19	digital	digital	ADJ
ajfti-5168	255	20	banking	banking	NOUN
ajfti-5168	255	21	explains	explain	VERB
ajfti-5168	255	22	the	the	DET
ajfti-5168	255	23	growing	grow	VERB
ajfti-5168	255	24	collaboration	collaboration	NOUN
ajfti-5168	255	25	between	between	ADP
ajfti-5168	255	26	industries	industry	NOUN
ajfti-5168	255	27	to	to	PART
ajfti-5168	255	28	produce	produce	VERB
ajfti-5168	255	29	more	more	ADJ
ajfti-5168	255	30	efficient	efficient	ADJ
ajfti-5168	255	31	fraud	fraud	NOUN
ajfti-5168	255	32	detection	detection	NOUN
ajfti-5168	255	33	systems	system	NOUN
ajfti-5168	255	34	.	.	PUNCT
ajfti-5168	256	1	collaborative	collaborative	ADJ
ajfti-5168	256	2	effort	effort	NOUN
ajfti-5168	256	3	between	between	ADP
ajfti-5168	256	4	banks	bank	NOUN
ajfti-5168	256	5	,	,	PUNCT
ajfti-5168	256	6	tech	tech	NOUN
ajfti-5168	256	7	companies	company	NOUN
ajfti-5168	256	8	and	and	CCONJ
ajfti-5168	256	9	regulators	regulator	NOUN
ajfti-5168	256	10	is	be	AUX
ajfti-5168	256	11	needed	need	VERB
ajfti-5168	256	12	to	to	PART
ajfti-5168	256	13	combat	combat	VERB
ajfti-5168	256	14	the	the	DET
ajfti-5168	256	15	ongoing	ongoing	ADJ
ajfti-5168	256	16	evolution	evolution	NOUN
ajfti-5168	256	17	of	of	ADP
ajfti-5168	256	18	digital	digital	ADJ
ajfti-5168	256	19	fraud	fraud	NOUN
ajfti-5168	256	20	.	.	PUNCT
ajfti-5168	257	1	partnerships	partnership	NOUN
ajfti-5168	257	2	between	between	ADP
ajfti-5168	257	3	the	the	DET
ajfti-5168	257	4	banks	bank	NOUN
ajfti-5168	257	5	and	and	CCONJ
ajfti-5168	257	6	tech	tech	NOUN
ajfti-5168	257	7	organizations	organization	NOUN
ajfti-5168	257	8	could	could	AUX
ajfti-5168	257	9	provide	provide	VERB
ajfti-5168	257	10	the	the	DET
ajfti-5168	257	11	opportunity	opportunity	NOUN
ajfti-5168	257	12	to	to	PART
ajfti-5168	257	13	create	create	VERB
ajfti-5168	257	14	the	the	DET
ajfti-5168	257	15	best	good	ADJ
ajfti-5168	257	16	and	and	CCONJ
ajfti-5168	257	17	newest	new	ADJ
ajfti-5168	257	18	technologies	technology	NOUN
ajfti-5168	257	19	based	base	VERB
ajfti-5168	257	20	on	on	ADP
ajfti-5168	257	21	current	current	ADJ
ajfti-5168	257	22	trends	trend	NOUN
ajfti-5168	257	23	including	include	VERB
ajfti-5168	257	24	artificial	artificial	ADJ
ajfti-5168	257	25	intelligence	intelligence	NOUN
ajfti-5168	257	26	,	,	PUNCT
ajfti-5168	257	27	machine	machine	NOUN
ajfti-5168	257	28	learning	learning	NOUN
ajfti-5168	257	29	and	and	CCONJ
ajfti-5168	257	30	cyber	cyber	ADJ
ajfti-5168	257	31	security	security	NOUN
ajfti-5168	257	32	.	.	PUNCT
ajfti-5168	258	1	regulators	regulator	NOUN
ajfti-5168	258	2	also	also	ADV
ajfti-5168	258	3	have	have	VERB
ajfti-5168	258	4	an	an	DET
ajfti-5168	258	5	important	important	ADJ
ajfti-5168	258	6	role	role	NOUN
ajfti-5168	258	7	in	in	ADP
ajfti-5168	258	8	enforcing	enforce	VERB
ajfti-5168	258	9	legal	legal	ADJ
ajfti-5168	258	10	and	and	CCONJ
ajfti-5168	258	11	ethical	ethical	ADJ
ajfti-5168	258	12	issues	issue	NOUN
ajfti-5168	258	13	with	with	ADP
ajfti-5168	258	14	regards	regard	NOUN
ajfti-5168	258	15	to	to	PART
ajfti-5168	258	16	fraud	fraud	VERB
ajfti-5168	258	17	detection	detection	NOUN
ajfti-5168	258	18	through	through	ADP
ajfti-5168	258	19	the	the	DET
ajfti-5168	258	20	use	use	NOUN
ajfti-5168	258	21	of	of	ADP
ajfti-5168	258	22	ai	ai	NOUN
ajfti-5168	258	23	.	.	PUNCT
ajfti-5168	259	1	international	international	ADJ
ajfti-5168	259	2	cooperation	cooperation	NOUN
ajfti-5168	259	3	is	be	AUX
ajfti-5168	259	4	also	also	ADV
ajfti-5168	259	5	necessary	necessary	ADJ
ajfti-5168	259	6	since	since	SCONJ
ajfti-5168	259	7	fraudulent	fraudulent	ADJ
ajfti-5168	259	8	schemes	scheme	NOUN
ajfti-5168	259	9	are	be	AUX
ajfti-5168	259	10	frequently	frequently	ADV
ajfti-5168	259	11	international	international	ADJ
ajfti-5168	259	12	.	.	PUNCT
ajfti-5168	260	1	collaborating	collaborate	VERB
ajfti-5168	260	2	with	with	ADP
ajfti-5168	260	3	foreign	foreign	ADJ
ajfti-5168	260	4	institutions	institution	NOUN
ajfti-5168	260	5	can	can	AUX
ajfti-5168	260	6	provide	provide	VERB
ajfti-5168	260	7	the	the	DET
ajfti-5168	260	8	ability	ability	NOUN
ajfti-5168	260	9	to	to	PART
ajfti-5168	260	10	exchange	exchange	VERB
ajfti-5168	260	11	information	information	NOUN
ajfti-5168	260	12	,	,	PUNCT
ajfti-5168	260	13	deal	deal	VERB
ajfti-5168	260	14	with	with	ADP
ajfti-5168	260	15	international	international	ADJ
ajfti-5168	260	16	fraud	fraud	NOUN
ajfti-5168	260	17	and	and	CCONJ
ajfti-5168	260	18	consolidate	consolidate	VERB
ajfti-5168	260	19	financial	financial	ADJ
ajfti-5168	260	20	security	security	NOUN
ajfti-5168	260	21	methods	method	NOUN
ajfti-5168	260	22	and	and	CCONJ
ajfti-5168	260	23	protocols	protocol	NOUN
ajfti-5168	260	24	.	.	PUNCT
ajfti-5168	261	1	the	the	DET
ajfti-5168	261	2	role	role	NOUN
ajfti-5168	261	3	of	of	ADP
ajfti-5168	261	4	blockchain	blockchain	PROPN
ajfti-5168	261	5	another	another	DET
ajfti-5168	261	6	technology	technology	NOUN
ajfti-5168	261	7	that	that	PRON
ajfti-5168	261	8	could	could	AUX
ajfti-5168	261	9	meaningfully	meaningfully	ADV
ajfti-5168	261	10	complement	complement	VERB
ajfti-5168	261	11	aipowered	aipowere	VERB
ajfti-5168	261	12	fraud	fraud	NOUN
ajfti-5168	261	13	detection	detection	NOUN
ajfti-5168	261	14	is	be	AUX
ajfti-5168	261	15	blockchain	blockchain	NOUN
ajfti-5168	261	16	,	,	PUNCT
ajfti-5168	261	17	which	which	PRON
ajfti-5168	261	18	has	have	AUX
ajfti-5168	261	19	been	be	AUX
ajfti-5168	261	20	described	describe	VERB
ajfti-5168	261	21	as	as	ADP
ajfti-5168	261	22	a	a	DET
ajfti-5168	261	23	way	way	NOUN
ajfti-5168	261	24	to	to	PART
ajfti-5168	261	25	increase	increase	VERB
ajfti-5168	261	26	transaction	transaction	NOUN
ajfti-5168	261	27	security	security	NOUN
ajfti-5168	261	28	and	and	CCONJ
ajfti-5168	261	29	transparency	transparency	NOUN
ajfti-5168	261	30	.	.	PUNCT
ajfti-5168	262	1	as	as	ADP
ajfti-5168	262	2	a	a	DET
ajfti-5168	262	3	distributed	distribute	VERB
ajfti-5168	262	4	and	and	CCONJ
ajfti-5168	262	5	tamper	tamper	NOUN
ajfti-5168	262	6	-	-	ADJ
ajfti-5168	262	7	proof	proof	ADJ
ajfti-5168	262	8	record	record	NOUN
ajfti-5168	262	9	of	of	ADP
ajfti-5168	262	10	transactions	transaction	NOUN
ajfti-5168	262	11	,	,	PUNCT
ajfti-5168	262	12	blockchain	blockchain	PROPN
ajfti-5168	262	13	technology	technology	PROPN
ajfti-5168	262	14	makes	make	VERB
ajfti-5168	262	15	it	it	PRON
ajfti-5168	262	16	possible	possible	ADJ
ajfti-5168	262	17	for	for	SCONJ
ajfti-5168	262	18	transactions	transaction	NOUN
ajfti-5168	262	19	to	to	PART
ajfti-5168	262	20	be	be	AUX
ajfti-5168	262	21	public	public	ADJ
ajfti-5168	262	22	and	and	CCONJ
ajfti-5168	262	23	permanent	permanent	ADJ
ajfti-5168	262	24	.	.	PUNCT
ajfti-5168	263	1	concerning	concern	VERB
ajfti-5168	263	2	fraud	fraud	NOUN
ajfti-5168	263	3	detection	detection	NOUN
ajfti-5168	263	4	,	,	PUNCT
ajfti-5168	263	5	blockchain	blockchain	PROPN
ajfti-5168	263	6	technology	technology	PROPN
ajfti-5168	263	7	can	can	AUX
ajfti-5168	263	8	minimize	minimize	VERB
ajfti-5168	263	9	the	the	DET
ajfti-5168	263	10	ability	ability	NOUN
ajfti-5168	263	11	to	to	PART
ajfti-5168	263	12	commit	commit	VERB
ajfti-5168	263	13	fraudulent	fraudulent	ADJ
ajfti-5168	263	14	transactions	transaction	NOUN
ajfti-5168	263	15	such	such	ADJ
ajfti-5168	263	16	as	as	ADP
ajfti-5168	263	17	manipulating	manipulate	VERB
ajfti-5168	263	18	transaction	transaction	NOUN
ajfti-5168	263	19	information	information	NOUN
ajfti-5168	263	20	,	,	PUNCT
ajfti-5168	263	21	stealing	steal	VERB
ajfti-5168	263	22	identities	identity	NOUN
ajfti-5168	263	23	,	,	PUNCT
ajfti-5168	263	24	and	and	CCONJ
ajfti-5168	263	25	laundering	launder	VERB
ajfti-5168	263	26	money	money	NOUN
ajfti-5168	263	27	.	.	PUNCT
ajfti-5168	264	1	one	one	NUM
ajfti-5168	264	2	illustration	illustration	NOUN
ajfti-5168	264	3	of	of	ADP
ajfti-5168	264	4	this	this	PRON
ajfti-5168	264	5	is	be	AUX
ajfti-5168	264	6	the	the	DET
ajfti-5168	264	7	transparency	transparency	NOUN
ajfti-5168	264	8	of	of	ADP
ajfti-5168	264	9	blockchain	blockchain	PROPN
ajfti-5168	264	10	where	where	SCONJ
ajfti-5168	264	11	once	once	ADV
ajfti-5168	264	12	a	a	DET
ajfti-5168	264	13	transaction	transaction	NOUN
ajfti-5168	264	14	is	be	AUX
ajfti-5168	264	15	imprinted	imprint	VERB
ajfti-5168	264	16	it	it	PRON
ajfti-5168	264	17	can	can	AUX
ajfti-5168	264	18	not	not	PART
ajfti-5168	264	19	be	be	AUX
ajfti-5168	264	20	changed	change	VERB
ajfti-5168	264	21	creating	create	VERB
ajfti-5168	264	22	a	a	DET
ajfti-5168	264	23	secure	secure	ADJ
ajfti-5168	264	24	audit	audit	NOUN
ajfti-5168	264	25	record	record	NOUN
ajfti-5168	264	26	.	.	PUNCT
ajfti-5168	265	1	it	it	PRON
ajfti-5168	265	2	becomes	become	VERB
ajfti-5168	265	3	very	very	ADV
ajfti-5168	265	4	difficult	difficult	ADJ
ajfti-5168	265	5	to	to	PART
ajfti-5168	265	6	alter	alter	VERB
ajfti-5168	265	7	transaction	transaction	NOUN
ajfti-5168	265	8	data	datum	NOUN
ajfti-5168	265	9	or	or	CCONJ
ajfti-5168	265	10	be	be	AUX
ajfti-5168	265	11	fraudulent	fraudulent	ADJ
ajfti-5168	265	12	without	without	ADP
ajfti-5168	265	13	detection	detection	NOUN
ajfti-5168	265	14	.	.	PUNCT
ajfti-5168	266	1	in	in	ADP
ajfti-5168	266	2	addition	addition	NOUN
ajfti-5168	266	3	,	,	PUNCT
ajfti-5168	266	4	ai	ai	AUX
ajfti-5168	266	5	systems	system	NOUN
ajfti-5168	266	6	for	for	ADP
ajfti-5168	266	7	fraud	fraud	NOUN
ajfti-5168	266	8	detection	detection	NOUN
ajfti-5168	266	9	can	can	AUX
ajfti-5168	266	10	take	take	VERB
ajfti-5168	266	11	advantage	advantage	NOUN
ajfti-5168	266	12	of	of	ADP
ajfti-5168	266	13	the	the	DET
ajfti-5168	266	14	decentralized	decentralized	ADJ
ajfti-5168	266	15	structure	structure	NOUN
ajfti-5168	266	16	of	of	ADP
ajfti-5168	266	17	blockchain	blockchain	PROPN
ajfti-5168	266	18	to	to	PART
ajfti-5168	266	19	improve	improve	VERB
ajfti-5168	266	20	accuracy	accuracy	NOUN
ajfti-5168	266	21	of	of	ADP
ajfti-5168	266	22	fraud	fraud	NOUN
ajfti-5168	266	23	detection	detection	NOUN
ajfti-5168	266	24	by	by	ADP
ajfti-5168	266	25	comparing	compare	VERB
ajfti-5168	266	26	transaction	transaction	NOUN
ajfti-5168	266	27	data	datum	NOUN
ajfti-5168	266	28	across	across	ADP
ajfti-5168	266	29	different	different	ADJ
ajfti-5168	266	30	networks	network	NOUN
ajfti-5168	266	31	.	.	PUNCT
ajfti-5168	267	1	ai	ai	VERB
ajfti-5168	267	2	and	and	CCONJ
ajfti-5168	267	3	blockchain	blockchain	PROPN
ajfti-5168	267	4	combined	combined	PROPN
ajfti-5168	267	5	can	can	AUX
ajfti-5168	267	6	contribute	contribute	VERB
ajfti-5168	267	7	towards	towards	ADP
ajfti-5168	267	8	a	a	DET
ajfti-5168	267	9	more	more	ADV
ajfti-5168	267	10	robust	robust	ADJ
ajfti-5168	267	11	and	and	CCONJ
ajfti-5168	267	12	trustworthy	trustworthy	ADJ
ajfti-5168	267	13	financial	financial	ADJ
ajfti-5168	267	14	system	system	NOUN
ajfti-5168	267	15	.	.	PUNCT
ajfti-5168	268	1	conclusion	conclusion	NOUN
ajfti-5168	268	2	this	this	DET
ajfti-5168	268	3	study	study	NOUN
ajfti-5168	268	4	looked	look	VERB
ajfti-5168	268	5	at	at	ADP
ajfti-5168	268	6	how	how	SCONJ
ajfti-5168	268	7	artificial	artificial	ADJ
ajfti-5168	268	8	intelligence	intelligence	NOUN
ajfti-5168	268	9	or	or	CCONJ
ajfti-5168	268	10	,	,	PUNCT
ajfti-5168	268	11	ai	ai	VERB
ajfti-5168	268	12	and	and	CCONJ
ajfti-5168	268	13	machine	machine	NOUN
ajfti-5168	268	14	learning	learning	NOUN
ajfti-5168	268	15	or	or	CCONJ
ajfti-5168	268	16	ml	ml	PART
ajfti-5168	268	17	have	have	AUX
ajfti-5168	268	18	transformed	transform	VERB
ajfti-5168	268	19	the	the	DET
ajfti-5168	268	20	detection	detection	NOUN
ajfti-5168	268	21	and	and	CCONJ
ajfti-5168	268	22	prevention	prevention	NOUN
ajfti-5168	268	23	of	of	ADP
ajfti-5168	268	24	fraud	fraud	NOUN
ajfti-5168	268	25	in	in	ADP
ajfti-5168	268	26	digital	digital	ADJ
ajfti-5168	268	27	banking	banking	NOUN
ajfti-5168	268	28	.	.	PUNCT
ajfti-5168	269	1	digital	digital	ADJ
ajfti-5168	269	2	banking	banking	NOUN
ajfti-5168	269	3	contributes	contribute	VERB
ajfti-5168	269	4	to	to	ADP
ajfti-5168	269	5	accessibility	accessibility	NOUN
ajfti-5168	269	6	,	,	PUNCT
ajfti-5168	269	7	efficiency	efficiency	NOUN
ajfti-5168	269	8	,	,	PUNCT
ajfti-5168	269	9	and	and	CCONJ
ajfti-5168	269	10	financial	financial	ADJ
ajfti-5168	269	11	inclusion	inclusion	NOUN
ajfti-5168	269	12	.	.	PUNCT
ajfti-5168	270	1	the	the	DET
ajfti-5168	270	2	downside	downside	NOUN
ajfti-5168	270	3	to	to	ADP
ajfti-5168	270	4	this	this	PRON
ajfti-5168	270	5	is	be	AUX
ajfti-5168	270	6	also	also	ADV
ajfti-5168	270	7	a	a	DET
ajfti-5168	270	8	rise	rise	NOUN
ajfti-5168	270	9	in	in	ADP
ajfti-5168	270	10	more	more	ADJ
ajfti-5168	270	11	complex	complex	ADJ
ajfti-5168	270	12	forms	form	NOUN
ajfti-5168	270	13	of	of	ADP
ajfti-5168	270	14	fraud	fraud	NOUN
ajfti-5168	270	15	,	,	PUNCT
ajfti-5168	270	16	requiring	require	VERB
ajfti-5168	270	17	advanced	advanced	ADJ
ajfti-5168	270	18	technology	technology	NOUN
ajfti-5168	270	19	to	to	PART
ajfti-5168	270	20	combat	combat	VERB
ajfti-5168	270	21	it	it	PRON
ajfti-5168	270	22	.	.	PUNCT
ajfti-5168	271	1	existing	exist	VERB
ajfti-5168	271	2	traditional	traditional	ADJ
ajfti-5168	271	3	fraud	fraud	NOUN
ajfti-5168	271	4	detection	detection	NOUN
ajfti-5168	271	5	practices	practice	NOUN
ajfti-5168	271	6	which	which	PRON
ajfti-5168	271	7	are	be	AUX
ajfti-5168	271	8	mostly	mostly	ADV
ajfti-5168	271	9	rule	rule	NOUN
ajfti-5168	271	10	-	-	PUNCT
ajfti-5168	271	11	based	base	VERB
ajfti-5168	271	12	,	,	PUNCT
ajfti-5168	271	13	can	can	AUX
ajfti-5168	271	14	no	no	ADV
ajfti-5168	271	15	longer	long	ADV
ajfti-5168	271	16	meet	meet	VERB
ajfti-5168	271	17	the	the	DET
ajfti-5168	271	18	complexity	complexity	NOUN
ajfti-5168	271	19	and	and	CCONJ
ajfti-5168	271	20	changing	change	VERB
ajfti-5168	271	21	nature	nature	NOUN
ajfti-5168	271	22	of	of	ADP
ajfti-5168	271	23	the	the	DET
ajfti-5168	271	24	digital	digital	PROPN
ajfti-5168	271	25	fraud	fraud	NOUN
ajfti-5168	271	26	.	.	PUNCT
ajfti-5168	272	1	ai	ai	VERB
ajfti-5168	272	2	and	and	CCONJ
ajfti-5168	272	3	ml	ml	PART
ajfti-5168	272	4	provide	provide	VERB
ajfti-5168	272	5	a	a	DET
ajfti-5168	272	6	more	more	ADV
ajfti-5168	272	7	flexible	flexible	ADJ
ajfti-5168	272	8	and	and	CCONJ
ajfti-5168	272	9	anticipatory	anticipatory	ADJ
ajfti-5168	272	10	mode	mode	NOUN
ajfti-5168	272	11	to	to	ADP
ajfti-5168	272	12	the	the	DET
ajfti-5168	272	13	detection	detection	NOUN
ajfti-5168	272	14	of	of	ADP
ajfti-5168	272	15	fraud	fraud	NOUN
ajfti-5168	272	16	.	.	PUNCT
ajfti-5168	273	1	these	these	DET
ajfti-5168	273	2	technologies	technology	NOUN
ajfti-5168	273	3	are	be	AUX
ajfti-5168	273	4	able	able	ADJ
ajfti-5168	273	5	to	to	PART
ajfti-5168	273	6	recognize	recognize	VERB
ajfti-5168	273	7	intricate	intricate	ADJ
ajfti-5168	273	8	patterns	pattern	NOUN
ajfti-5168	273	9	as	as	ADV
ajfti-5168	273	10	well	well	ADV
ajfti-5168	273	11	as	as	ADP
ajfti-5168	273	12	alerts	alert	NOUN
ajfti-5168	273	13	to	to	PART
ajfti-5168	273	14	fraud	fraud	VERB
ajfti-5168	273	15	instantaneously	instantaneously	ADV
ajfti-5168	273	16	which	which	PRON
ajfti-5168	273	17	hugely	hugely	ADV
ajfti-5168	273	18	increase	increase	VERB
ajfti-5168	273	19	the	the	DET
ajfti-5168	273	20	capability	capability	NOUN
ajfti-5168	273	21	of	of	ADP
ajfti-5168	273	22	detecting	detect	VERB
ajfti-5168	273	23	fraud	fraud	NOUN
ajfti-5168	273	24	with	with	ADP
ajfti-5168	273	25	minimal	minimal	ADJ
ajfti-5168	273	26	false	false	ADJ
ajfti-5168	273	27	positives	positive	NOUN
ajfti-5168	273	28	.	.	PUNCT
ajfti-5168	274	1	several	several	ADJ
ajfti-5168	274	2	ml	ml	NOUN
ajfti-5168	274	3	methods	method	NOUN
ajfti-5168	274	4	such	such	ADJ
ajfti-5168	274	5	as	as	ADP
ajfti-5168	274	6	supervised	supervised	ADJ
ajfti-5168	274	7	learning	learning	NOUN
ajfti-5168	274	8	,	,	PUNCT
ajfti-5168	274	9	unsupervised	unsupervised	ADJ
ajfti-5168	274	10	learning	learning	NOUN
ajfti-5168	274	11	,	,	PUNCT
ajfti-5168	274	12	deep	deep	ADJ
ajfti-5168	274	13	learning	learning	NOUN
ajfti-5168	274	14	,	,	PUNCT
ajfti-5168	274	15	and	and	CCONJ
ajfti-5168	274	16	ensemble	ensemble	ADJ
ajfti-5168	274	17	methods	method	NOUN
ajfti-5168	274	18	were	be	AUX
ajfti-5168	274	19	reviewed	review	VERB
ajfti-5168	274	20	and	and	CCONJ
ajfti-5168	274	21	have	have	AUX
ajfti-5168	274	22	each	each	PRON
ajfti-5168	274	23	been	be	AUX
ajfti-5168	274	24	successfully	successfully	ADV
ajfti-5168	274	25	used	use	VERB
ajfti-5168	274	26	to	to	PART
ajfti-5168	274	27	fight	fight	VERB
ajfti-5168	274	28	fraud	fraud	NOUN
ajfti-5168	274	29	.	.	PUNCT
ajfti-5168	275	1	on	on	ADP
ajfti-5168	275	2	top	top	NOUN
ajfti-5168	275	3	of	of	ADP
ajfti-5168	275	4	that	that	PRON
ajfti-5168	275	5	,	,	PUNCT
ajfti-5168	275	6	ai	ai	AUX
ajfti-5168	275	7	systems	system	NOUN
ajfti-5168	275	8	make	make	VERB
ajfti-5168	275	9	fraud	fraud	NOUN
ajfti-5168	275	10	prevention	prevention	NOUN
ajfti-5168	275	11	more	more	ADV
ajfti-5168	275	12	efficient	efficient	ADJ
ajfti-5168	275	13	because	because	SCONJ
ajfti-5168	275	14	they	they	PRON
ajfti-5168	275	15	continuously	continuously	ADV
ajfti-5168	275	16	learn	learn	VERB
ajfti-5168	275	17	and	and	CCONJ
ajfti-5168	275	18	adapt	adapt	VERB
ajfti-5168	275	19	as	as	SCONJ
ajfti-5168	275	20	new	new	ADJ
ajfti-5168	275	21	threats	threat	NOUN
ajfti-5168	275	22	arise	arise	VERB
ajfti-5168	275	23	.	.	PUNCT
ajfti-5168	276	1	the	the	DET
ajfti-5168	276	2	ethics	ethic	NOUN
ajfti-5168	276	3	and	and	CCONJ
ajfti-5168	276	4	regulation	regulation	NOUN
ajfti-5168	276	5	of	of	ADP
ajfti-5168	276	6	deploying	deploying	NOUN
ajfti-5168	276	7	ai	ai	VERB
ajfti-5168	276	8	for	for	ADP
ajfti-5168	276	9	fraud	fraud	NOUN
ajfti-5168	276	10	detection	detection	NOUN
ajfti-5168	276	11	is	be	AUX
ajfti-5168	276	12	extremely	extremely	ADV
ajfti-5168	276	13	important	important	ADJ
ajfti-5168	276	14	,	,	PUNCT
ajfti-5168	276	15	such	such	ADJ
ajfti-5168	276	16	as	as	ADP
ajfti-5168	276	17	aspects	aspect	NOUN
ajfti-5168	276	18	of	of	ADP
ajfti-5168	276	19	bias	bias	NOUN
ajfti-5168	276	20	,	,	PUNCT
ajfti-5168	276	21	transparency	transparency	NOUN
ajfti-5168	276	22	,	,	PUNCT
ajfti-5168	276	23	and	and	CCONJ
ajfti-5168	276	24	privacy	privacy	NOUN
ajfti-5168	276	25	of	of	ADP
ajfti-5168	276	26	data	data	PROPN
ajfti-5168	276	27	.	.	PUNCT
ajfti-5168	277	1	financial	financial	ADJ
ajfti-5168	277	2	institutions	institution	NOUN
ajfti-5168	277	3	are	be	AUX
ajfti-5168	277	4	obliged	oblige	VERB
ajfti-5168	277	5	to	to	PART
ajfti-5168	277	6	abide	abide	VERB
ajfti-5168	277	7	by	by	ADP
ajfti-5168	277	8	regulations	regulation	NOUN
ajfti-5168	277	9	like	like	ADP
ajfti-5168	277	10	gdpr	gdpr	NOUN
ajfti-5168	277	11	,	,	PUNCT
ajfti-5168	277	12	pci	pci	ADJ
ajfti-5168	277	13	-	-	PUNCT
ajfti-5168	277	14	dss	dss	NOUN
ajfti-5168	277	15	,	,	PUNCT
ajfti-5168	277	16	and	and	CCONJ
ajfti-5168	277	17	aml	aml	NOUN
ajfti-5168	277	18	laws	law	NOUN
ajfti-5168	277	19	,	,	PUNCT
ajfti-5168	277	20	while	while	SCONJ
ajfti-5168	277	21	at	at	ADP
ajfti-5168	277	22	the	the	DET
ajfti-5168	277	23	same	same	ADJ
ajfti-5168	277	24	time	time	NOUN
ajfti-5168	277	25	maintain	maintain	VERB
ajfti-5168	277	26	effective	effective	ADJ
ajfti-5168	277	27	fraud	fraud	NOUN
ajfti-5168	277	28	detection	detection	NOUN
ajfti-5168	277	29	mechanisms	mechanism	NOUN
ajfti-5168	277	30	and	and	CCONJ
ajfti-5168	277	31	the	the	DET
ajfti-5168	277	32	need	need	NOUN
ajfti-5168	277	33	to	to	PART
ajfti-5168	277	34	protect	protect	VERB
ajfti-5168	277	35	customer	customer	NOUN
ajfti-5168	277	36	data	datum	NOUN
ajfti-5168	277	37	.	.	PUNCT
ajfti-5168	278	1	as	as	SCONJ
ajfti-5168	278	2	digital	digital	ADJ
ajfti-5168	278	3	banking	banking	NOUN
ajfti-5168	278	4	is	be	AUX
ajfti-5168	278	5	new	new	ADJ
ajfti-5168	278	6	,	,	PUNCT
ajfti-5168	278	7	so	so	ADV
ajfti-5168	278	8	must	must	AUX
ajfti-5168	278	9	the	the	DET
ajfti-5168	278	10	security	security	NOUN
ajfti-5168	278	11	mechanism	mechanism	NOUN
ajfti-5168	278	12	.	.	PUNCT
ajfti-5168	279	1	while	while	SCONJ
ajfti-5168	279	2	the	the	DET
ajfti-5168	279	3	use	use	NOUN
ajfti-5168	279	4	of	of	ADP
ajfti-5168	279	5	ai	ai	NOUN
ajfti-5168	279	6	and	and	CCONJ
ajfti-5168	279	7	ml	ml	X
ajfti-5168	279	8	in	in	ADP
ajfti-5168	279	9	fraud	fraud	NOUN
ajfti-5168	279	10	detection	detection	NOUN
ajfti-5168	279	11	is	be	AUX
ajfti-5168	279	12	a	a	DET
ajfti-5168	279	13	game	game	NOUN
ajfti-5168	279	14	changer	changer	NOUN
ajfti-5168	279	15	,	,	PUNCT
ajfti-5168	279	16	the	the	DET
ajfti-5168	279	17	constant	constant	ADJ
ajfti-5168	279	18	need	need	NOUN
ajfti-5168	279	19	for	for	ADP
ajfti-5168	279	20	development	development	NOUN
ajfti-5168	279	21	and	and	CCONJ
ajfti-5168	279	22	research	research	NOUN
ajfti-5168	279	23	is	be	AUX
ajfti-5168	279	24	imperative	imperative	ADJ
ajfti-5168	279	25	to	to	PART
ajfti-5168	279	26	keep	keep	VERB
ajfti-5168	279	27	up	up	ADP
ajfti-5168	279	28	with	with	ADP
ajfti-5168	279	29	more	more	ADV
ajfti-5168	279	30	complex	complex	ADJ
ajfti-5168	279	31	and	and	CCONJ
ajfti-5168	279	32	advanced	advanced	ADJ
ajfti-5168	279	33	forms	form	NOUN
ajfti-5168	279	34	of	of	ADP
ajfti-5168	279	35	fraud	fraud	NOUN
ajfti-5168	279	36	.	.	PUNCT
ajfti-5168	280	1	only	only	ADV
ajfti-5168	280	2	through	through	ADP
ajfti-5168	280	3	the	the	DET
ajfti-5168	280	4	cooperation	cooperation	NOUN
ajfti-5168	280	5	between	between	ADP
ajfti-5168	280	6	banks	bank	NOUN
ajfti-5168	280	7	,	,	PUNCT
ajfti-5168	280	8	technology	technology	NOUN
ajfti-5168	280	9	companies	company	NOUN
ajfti-5168	280	10	,	,	PUNCT
ajfti-5168	280	11	and	and	CCONJ
ajfti-5168	280	12	regulators	regulator	NOUN
ajfti-5168	280	13	can	can	AUX
ajfti-5168	280	14	we	we	PRON
ajfti-5168	280	15	come	come	VERB
ajfti-5168	280	16	up	up	ADP
ajfti-5168	280	17	with	with	ADP
ajfti-5168	280	18	complete	complete	ADJ
ajfti-5168	280	19	and	and	CCONJ
ajfti-5168	280	20	effective	effective	ADJ
ajfti-5168	280	21	fraud	fraud	NOUN
ajfti-5168	280	22	prevention	prevention	NOUN
ajfti-5168	280	23	solutions	solution	NOUN
ajfti-5168	280	24	.	.	PUNCT
ajfti-5168	281	1	in	in	ADP
ajfti-5168	281	2	the	the	DET
ajfti-5168	281	3	future	future	NOUN
ajfti-5168	281	4	,	,	PUNCT
ajfti-5168	281	5	ai	ai	VERB
ajfti-5168	281	6	,	,	PUNCT
ajfti-5168	281	7	machine	machine	NOUN
ajfti-5168	281	8	learning	learning	NOUN
ajfti-5168	281	9	and	and	CCONJ
ajfti-5168	281	10	blockchain	blockchain	PROPN
ajfti-5168	281	11	technology	technology	PROPN
ajfti-5168	281	12	integrated	integrate	VERB
ajfti-5168	281	13	can	can	AUX
ajfti-5168	281	14	have	have	VERB
ajfti-5168	281	15	the	the	DET
ajfti-5168	281	16	potential	potential	NOUN
ajfti-5168	281	17	to	to	PART
ajfti-5168	281	18	build	build	VERB
ajfti-5168	281	19	a	a	DET
ajfti-5168	281	20	safe	safe	ADJ
ajfti-5168	281	21	,	,	PUNCT
ajfti-5168	281	22	secure	secure	ADJ
ajfti-5168	281	23	,	,	PUNCT
ajfti-5168	281	24	transparent	transparent	ADJ
ajfti-5168	281	25	and	and	CCONJ
ajfti-5168	281	26	resilient	resilient	ADJ
ajfti-5168	281	27	digital	digital	ADJ
ajfti-5168	281	28	banking	banking	NOUN
ajfti-5168	281	29	environment	environment	NOUN
ajfti-5168	281	30	that	that	PRON
ajfti-5168	281	31	will	will	AUX
ajfti-5168	281	32	build	build	VERB
ajfti-5168	281	33	trust	trust	NOUN
ajfti-5168	281	34	and	and	CCONJ
ajfti-5168	281	35	protect	protect	VERB
ajfti-5168	281	36	customer	customer	NOUN
ajfti-5168	281	37	assets	asset	NOUN
ajfti-5168	281	38	in	in	ADP
ajfti-5168	281	39	digital	digital	ADJ
ajfti-5168	281	40	economy	economy	NOUN
ajfti-5168	281	41	and	and	CCONJ
ajfti-5168	281	42	digital	digital	ADJ
ajfti-5168	281	43	banking	banking	NOUN
ajfti-5168	281	44	.	.	PUNCT
ajfti-5168	282	1	references	reference	NOUN
ajfti-5168	282	2	abdelrhman	abdelrhman	PROPN
ajfti-5168	282	3	,	,	PUNCT
ajfti-5168	282	4	a.	a.	PROPN
ajfti-5168	282	5	b.	b.	PROPN
ajfti-5168	282	6	(	(	PUNCT
ajfti-5168	282	7	2025	2025	NUM
ajfti-5168	282	8	)	)	PUNCT
ajfti-5168	282	9	.	.	PUNCT
ajfti-5168	283	1	popularity	popularity	NOUN
ajfti-5168	283	2	of	of	ADP
ajfti-5168	283	3	mobile	mobile	ADJ
ajfti-5168	283	4	transaction	transaction	NOUN
ajfti-5168	283	5	services	service	NOUN
ajfti-5168	283	6	in	in	ADP
ajfti-5168	283	7	the	the	DET
ajfti-5168	283	8	banking	banking	NOUN
ajfti-5168	283	9	sector	sector	NOUN
ajfti-5168	283	10	.	.	PUNCT
ajfti-5168	284	1	american	american	ADJ
ajfti-5168	284	2	journal	journal	PROPN
ajfti-5168	284	3	of	of	ADP
ajfti-5168	284	4	financial	financial	ADJ
ajfti-5168	284	5	technology	technology	NOUN
ajfti-5168	284	6	and	and	CCONJ
ajfti-5168	284	7	innovation	innovation	NOUN
ajfti-5168	284	8	,	,	PUNCT
ajfti-5168	284	9	3(1	3(1	NUM
ajfti-5168	284	10	)	)	PUNCT
ajfti-5168	284	11	,	,	PUNCT
ajfti-5168	284	12	23–31	23–31	NUM
ajfti-5168	284	13	.	.	NOUN
ajfti-5168	284	14	https://doi.org/10.54536/ajfti.v3i1.3807	https://doi.org/10.54536/ajfti.v3i1.3807	PROPN
ajfti-5168	284	15	adaji	adaji	PROPN
ajfti-5168	284	16	,	,	PUNCT
ajfti-5168	284	17	c.	c.	PROPN
ajfti-5168	284	18	c.	c.	PROPN
ajfti-5168	284	19	,	,	PUNCT
ajfti-5168	284	20	bello	bello	PROPN
ajfti-5168	284	21	,	,	PUNCT
ajfti-5168	284	22	a.	a.	NOUN
ajfti-5168	284	23	a.	a.	PROPN
ajfti-5168	284	24	,	,	PUNCT
ajfti-5168	284	25	ukatu	ukatu	PROPN
ajfti-5168	284	26	,	,	PUNCT
ajfti-5168	284	27	c.	c.	PROPN
ajfti-5168	284	28	e.	e.	PROPN
ajfti-5168	284	29	,	,	PUNCT
ajfti-5168	284	30	okika	okika	X
ajfti-5168	284	31	,	,	PUNCT
ajfti-5168	284	32	n.	n.	NOUN
ajfti-5168	284	33	,	,	PUNCT
ajfti-5168	284	34	agboola	agboola	PROPN
ajfti-5168	284	35	,	,	PUNCT
ajfti-5168	284	36	o.	o.	PROPN
ajfti-5168	284	37	k.	k.	PROPN
ajfti-5168	284	38	,	,	PUNCT
ajfti-5168	284	39	&	&	CCONJ
ajfti-5168	284	40	amomo	amomo	PROPN
ajfti-5168	284	41	,	,	PUNCT
ajfti-5168	284	42	c.	c.	PROPN
ajfti-5168	284	43	g.	g.	PROPN
ajfti-5168	284	44	(	(	PUNCT
ajfti-5168	284	45	2025	2025	NUM
ajfti-5168	284	46	)	)	PUNCT
ajfti-5168	284	47	.	.	PUNCT
ajfti-5168	285	1	ai	ai	VERB
ajfti-5168	285	2	-	-	PUNCT
ajfti-5168	285	3	powered	power	VERB
ajfti-5168	285	4	cybersecurity	cybersecurity	NOUN
ajfti-5168	285	5	governance	governance	NOUN
ajfti-5168	285	6	:	:	PUNCT
ajfti-5168	285	7	the	the	DET
ajfti-5168	285	8	role	role	NOUN
ajfti-5168	285	9	of	of	ADP
ajfti-5168	285	10	business	business	NOUN
ajfti-5168	285	11	analysts	analyst	NOUN
ajfti-5168	285	12	in	in	ADP
ajfti-5168	285	13	ethical	ethical	ADJ
ajfti-5168	285	14	ai	ai	PROPN
ajfti-5168	285	15	deployment	deployment	NOUN
ajfti-5168	285	16	.	.	PUNCT
ajfti-5168	286	1	international	international	ADJ
ajfti-5168	286	2	journal	journal	NOUN
ajfti-5168	286	3	of	of	ADP
ajfti-5168	286	4	innovative	innovative	ADJ
ajfti-5168	286	5	science	science	NOUN
ajfti-5168	286	6	and	and	CCONJ
ajfti-5168	286	7	research	research	NOUN
ajfti-5168	286	8	technology	technology	NOUN
ajfti-5168	286	9	,	,	PUNCT
ajfti-5168	286	10	10(3	10(3	NUM
ajfti-5168	286	11	)	)	PUNCT
ajfti-5168	286	12	,	,	PUNCT
ajfti-5168	286	13	1384pa	1384pa	ADJ
ajfti-5168	286	14	ge	ge	PROPN
ajfti-5168	286	15	18	18	NUM
ajfti-5168	286	16	5	5	NUM
ajfti-5168	286	17	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-5168	286	18	am	be	AUX
ajfti-5168	286	19	.	.	PUNCT
ajfti-5168	287	1	j.	j.	PROPN
ajfti-5168	287	2	financ	financ	PROPN
ajfti-5168	287	3	.	.	PUNCT
ajfti-5168	288	1	technol	technol	PROPN
ajfti-5168	288	2	.	.	PUNCT
ajfti-5168	288	3	innov	innov	PROPN
ajfti-5168	288	4	.	.	PUNCT
ajfti-5168	289	1	3(1	3(1	NUM
ajfti-5168	289	2	)	)	PUNCT
ajfti-5168	289	3	177	177	NUM
ajfti-5168	289	4	-	-	SYM
ajfti-5168	289	5	187	187	NUM
ajfti-5168	289	6	,	,	PUNCT
ajfti-5168	289	7	2025	2025	NUM
ajfti-5168	289	8	1396	1396	NUM
ajfti-5168	289	9	.	.	PUNCT
ajfti-5168	290	1	https://doi.org/10.38124/ijisrt/25mar924	https://doi.org/10.38124/ijisrt/25mar924	PROPN
ajfti-5168	290	2	adeleke	adeleke	PROPN
ajfti-5168	290	3	,	,	PUNCT
ajfti-5168	290	4	a.	a.	NOUN
ajfti-5168	290	5	g.	g.	PROPN
ajfti-5168	290	6	,	,	PUNCT
ajfti-5168	290	7	sanyaolu	sanyaolu	PROPN
ajfti-5168	290	8	,	,	PUNCT
ajfti-5168	290	9	t.	t.	PROPN
ajfti-5168	290	10	o.	o.	PROPN
ajfti-5168	290	11	,	,	PUNCT
ajfti-5168	290	12	efunniyi	efunniyi	NOUN
ajfti-5168	290	13	,	,	PUNCT
ajfti-5168	290	14	c.	c.	PROPN
ajfti-5168	290	15	p.	p.	PROPN
ajfti-5168	290	16	,	,	PUNCT
ajfti-5168	290	17	akwawa	akwawa	PROPN
ajfti-5168	290	18	,	,	PUNCT
ajfti-5168	290	19	l.	l.	PROPN
ajfti-5168	290	20	a.	a.	PROPN
ajfti-5168	290	21	,	,	PUNCT
ajfti-5168	290	22	&	&	CCONJ
ajfti-5168	290	23	azubuko	azubuko	NOUN
ajfti-5168	290	24	,	,	PUNCT
ajfti-5168	290	25	c.	c.	PROPN
ajfti-5168	290	26	f.	f.	PROPN
ajfti-5168	290	27	(	(	PUNCT
ajfti-5168	290	28	2024	2024	NUM
ajfti-5168	290	29	)	)	PUNCT
ajfti-5168	290	30	.	.	PUNCT
ajfti-5168	291	1	api	api	NOUN
ajfti-5168	291	2	integration	integration	NOUN
ajfti-5168	291	3	in	in	ADP
ajfti-5168	291	4	fintech	fintech	NOUN
ajfti-5168	291	5	:	:	PUNCT
ajfti-5168	291	6	challenges	challenge	NOUN
ajfti-5168	291	7	and	and	CCONJ
ajfti-5168	291	8	best	good	ADJ
ajfti-5168	291	9	practices	practice	NOUN
ajfti-5168	291	10	.	.	PUNCT
ajfti-5168	292	1	finance	finance	NOUN
ajfti-5168	292	2	&	&	CCONJ
ajfti-5168	292	3	accounting	accounting	PROPN
ajfti-5168	292	4	research	research	PROPN
ajfti-5168	292	5	journal	journal	PROPN
ajfti-5168	292	6	,	,	PUNCT
ajfti-5168	292	7	6(8	6(8	NUM
ajfti-5168	292	8	)	)	PUNCT
ajfti-5168	292	9	,	,	PUNCT
ajfti-5168	292	10	1531	1531	NUM
ajfti-5168	292	11	-	-	SYM
ajfti-5168	292	12	1554	1554	NUM
ajfti-5168	292	13	.	.	PUNCT
ajfti-5168	293	1	https://	https://	PROPN
ajfti-5168	293	2	doi.org/10.51594/farj.v6i8.1506	doi.org/10.51594/farj.v6i8.1506	PROPN
ajfti-5168	293	3	adeyeri	adeyeri	PROPN
ajfti-5168	293	4	,	,	PUNCT
ajfti-5168	293	5	t.	t.	PROPN
ajfti-5168	293	6	b.	b.	PROPN
ajfti-5168	293	7	(	(	PUNCT
ajfti-5168	293	8	2024	2024	NUM
ajfti-5168	293	9	)	)	PUNCT
ajfti-5168	293	10	.	.	PUNCT
ajfti-5168	294	1	ai	ai	VERB
ajfti-5168	294	2	-	-	PUNCT
ajfti-5168	294	3	based	base	VERB
ajfti-5168	294	4	fraud	fraud	NOUN
ajfti-5168	294	5	detection	detection	NOUN
ajfti-5168	294	6	in	in	ADP
ajfti-5168	294	7	banking	banking	NOUN
ajfti-5168	294	8	and	and	CCONJ
ajfti-5168	294	9	financial	financial	ADJ
ajfti-5168	294	10	services	service	NOUN
ajfti-5168	294	11	.	.	PUNCT
ajfti-5168	295	1	international	international	ADJ
ajfti-5168	295	2	journal	journal	PROPN
ajfti-5168	295	3	of	of	ADP
ajfti-5168	295	4	enhanced	enhanced	ADJ
ajfti-5168	295	5	research	research	NOUN
ajfti-5168	295	6	in	in	ADP
ajfti-5168	295	7	science	science	NOUN
ajfti-5168	295	8	,	,	PUNCT
ajfti-5168	295	9	technology	technology	NOUN
ajfti-5168	295	10	&	&	CCONJ
ajfti-5168	295	11	engineering	engineering	PROPN
ajfti-5168	295	12	,	,	PUNCT
ajfti-5168	295	13	13(7	13(7	NUM
ajfti-5168	295	14	)	)	PUNCT
ajfti-5168	295	15	.	.	PUNCT
ajfti-5168	296	1	adhikari	adhikari	PROPN
ajfti-5168	296	2	,	,	PUNCT
ajfti-5168	296	3	p.	p.	NOUN
ajfti-5168	296	4	,	,	PUNCT
ajfti-5168	296	5	hamal	hamal	ADJ
ajfti-5168	296	6	,	,	PUNCT
ajfti-5168	296	7	p.	p.	PROPN
ajfti-5168	296	8	,	,	PUNCT
ajfti-5168	296	9	&	&	CCONJ
ajfti-5168	296	10	baidoo	baidoo	PROPN
ajfti-5168	296	11	,	,	PUNCT
ajfti-5168	296	12	f.	f.	PROPN
ajfti-5168	296	13	j.	j.	PROPN
ajfti-5168	296	14	(	(	PUNCT
ajfti-5168	296	15	2024	2024	NUM
ajfti-5168	296	16	)	)	PUNCT
ajfti-5168	296	17	.	.	PUNCT
ajfti-5168	297	1	artificial	artificial	ADJ
ajfti-5168	297	2	intelligence	intelligence	NOUN
ajfti-5168	297	3	in	in	ADP
ajfti-5168	297	4	fraud	fraud	NOUN
ajfti-5168	297	5	detection	detection	NOUN
ajfti-5168	297	6	:	:	PUNCT
ajfti-5168	297	7	revolutionizing	revolutionize	VERB
ajfti-5168	297	8	financial	financial	ADJ
ajfti-5168	297	9	security	security	NOUN
ajfti-5168	297	10	.	.	PUNCT
ajfti-5168	298	1	international	international	ADJ
ajfti-5168	298	2	journal	journal	PROPN
ajfti-5168	298	3	of	of	ADP
ajfti-5168	298	4	science	science	NOUN
ajfti-5168	298	5	and	and	CCONJ
ajfti-5168	298	6	research	research	NOUN
ajfti-5168	298	7	archive	archive	NOUN
ajfti-5168	298	8	,	,	PUNCT
ajfti-5168	298	9	13(01	13(01	NUM
ajfti-5168	298	10	)	)	PUNCT
ajfti-5168	298	11	,	,	PUNCT
ajfti-5168	298	12	1457–1472	1457–1472	NUM
ajfti-5168	298	13	.	.	PUNCT
ajfti-5168	299	1	https://doi	https://doi	X
ajfti-5168	299	2	.	.	PUNCT
ajfti-5168	299	3	org/10.30574	org/10.30574	NOUN
ajfti-5168	299	4	/	/	SYM
ajfti-5168	299	5	ijsra.2024.13.1.1860	ijsra.2024.13.1.1860	NOUN
ajfti-5168	299	6	afriyie	afriyie	ADV
ajfti-5168	299	7	,	,	PUNCT
ajfti-5168	299	8	j.	j.	PROPN
ajfti-5168	299	9	k.	k.	PROPN
ajfti-5168	299	10	,	,	PUNCT
ajfti-5168	299	11	tawiah	tawiah	PROPN
ajfti-5168	299	12	,	,	PUNCT
ajfti-5168	299	13	k.	k.	PROPN
ajfti-5168	299	14	,	,	PUNCT
ajfti-5168	299	15	pels	pel	NOUN
ajfti-5168	299	16	,	,	PUNCT
ajfti-5168	299	17	w.	w.	PROPN
ajfti-5168	299	18	a.	a.	PROPN
ajfti-5168	299	19	,	,	PUNCT
ajfti-5168	299	20	addai	addai	PROPN
ajfti-5168	299	21	-	-	PUNCT
ajfti-5168	299	22	henne	henne	PROPN
ajfti-5168	299	23	,	,	PUNCT
ajfti-5168	299	24	s.	s.	PROPN
ajfti-5168	299	25	,	,	PUNCT
ajfti-5168	299	26	dwamena	dwamena	PROPN
ajfti-5168	299	27	,	,	PUNCT
ajfti-5168	299	28	h.	h.	PROPN
ajfti-5168	299	29	a.	a.	PROPN
ajfti-5168	299	30	,	,	PUNCT
ajfti-5168	299	31	owiredu	owiredu	PROPN
ajfti-5168	299	32	,	,	PUNCT
ajfti-5168	299	33	e.	e.	PROPN
ajfti-5168	299	34	o.	o.	PROPN
ajfti-5168	299	35	,	,	PUNCT
ajfti-5168	299	36	ayeh	ayeh	PROPN
ajfti-5168	299	37	,	,	PUNCT
ajfti-5168	299	38	s.	s.	PROPN
ajfti-5168	299	39	a.	a.	PROPN
ajfti-5168	299	40	,	,	PUNCT
ajfti-5168	299	41	&	&	CCONJ
ajfti-5168	299	42	eshun	eshun	PROPN
ajfti-5168	299	43	,	,	PUNCT
ajfti-5168	299	44	j.	j.	PROPN
ajfti-5168	299	45	(	(	PUNCT
ajfti-5168	299	46	2023	2023	NUM
ajfti-5168	299	47	)	)	PUNCT
ajfti-5168	299	48	.	.	PUNCT
ajfti-5168	300	1	a	a	DET
ajfti-5168	300	2	supervised	supervised	ADJ
ajfti-5168	300	3	machine	machine	NOUN
ajfti-5168	300	4	learning	learn	VERB
ajfti-5168	300	5	algorithm	algorithm	NOUN
ajfti-5168	300	6	for	for	ADP
ajfti-5168	300	7	detecting	detect	VERB
ajfti-5168	300	8	and	and	CCONJ
ajfti-5168	300	9	predicting	predict	VERB
ajfti-5168	300	10	fraud	fraud	NOUN
ajfti-5168	300	11	in	in	ADP
ajfti-5168	300	12	credit	credit	NOUN
ajfti-5168	300	13	card	card	NOUN
ajfti-5168	300	14	transactions	transaction	NOUN
ajfti-5168	300	15	.	.	PUNCT
ajfti-5168	301	1	decision	decision	NOUN
ajfti-5168	301	2	analytics	analytic	NOUN
ajfti-5168	301	3	journal	journal	NOUN
ajfti-5168	301	4	,	,	PUNCT
ajfti-5168	301	5	6	6	NUM
ajfti-5168	301	6	,	,	PUNCT
ajfti-5168	301	7	100163	100163	NUM
ajfti-5168	301	8	.	.	PUNCT
ajfti-5168	302	1	https://doi.org/10.1016/j.dajour.2023.100163	https://doi.org/10.1016/j.dajour.2023.100163	PROPN
ajfti-5168	302	2	alam	alam	PROPN
ajfti-5168	302	3	,	,	PUNCT
ajfti-5168	302	4	s.	s.	PROPN
ajfti-5168	302	5	,	,	PUNCT
ajfti-5168	302	6	ayub	ayub	PROPN
ajfti-5168	302	7	,	,	PUNCT
ajfti-5168	302	8	m.	m.	NOUN
ajfti-5168	302	9	s.	s.	PROPN
ajfti-5168	302	10	,	,	PUNCT
ajfti-5168	302	11	arora	arora	PROPN
ajfti-5168	302	12	,	,	PUNCT
ajfti-5168	302	13	s.	s.	PROPN
ajfti-5168	302	14	,	,	PUNCT
ajfti-5168	302	15	&	&	CCONJ
ajfti-5168	302	16	khan	khan	PROPN
ajfti-5168	302	17	,	,	PUNCT
ajfti-5168	302	18	m.	m.	NOUN
ajfti-5168	302	19	a.	a.	NOUN
ajfti-5168	302	20	(	(	PUNCT
ajfti-5168	302	21	2023	2023	NUM
ajfti-5168	302	22	)	)	PUNCT
ajfti-5168	302	23	.	.	PUNCT
ajfti-5168	303	1	an	an	DET
ajfti-5168	303	2	investigation	investigation	NOUN
ajfti-5168	303	3	of	of	ADP
ajfti-5168	303	4	the	the	DET
ajfti-5168	303	5	imputation	imputation	NOUN
ajfti-5168	303	6	techniques	technique	NOUN
ajfti-5168	303	7	for	for	ADP
ajfti-5168	303	8	missing	miss	VERB
ajfti-5168	303	9	values	value	NOUN
ajfti-5168	303	10	in	in	ADP
ajfti-5168	303	11	ordinal	ordinal	ADJ
ajfti-5168	303	12	data	datum	NOUN
ajfti-5168	303	13	enhancing	enhance	VERB
ajfti-5168	303	14	clustering	clustering	NOUN
ajfti-5168	303	15	and	and	CCONJ
ajfti-5168	303	16	classification	classification	NOUN
ajfti-5168	303	17	analysis	analysis	NOUN
ajfti-5168	303	18	validity	validity	NOUN
ajfti-5168	303	19	.	.	PUNCT
ajfti-5168	304	1	decision	decision	NOUN
ajfti-5168	304	2	analytics	analytic	NOUN
ajfti-5168	304	3	journal	journal	NOUN
ajfti-5168	304	4	,	,	PUNCT
ajfti-5168	304	5	9	9	NUM
ajfti-5168	304	6	,	,	PUNCT
ajfti-5168	304	7	100341	100341	NUM
ajfti-5168	304	8	.	.	PUNCT
ajfti-5168	305	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
ajfti-5168	305	2	.	.	PUNCT
ajfti-5168	306	1	dajour.2023.100341	dajour.2023.100341	PROPN
ajfti-5168	306	2	ali	ali	PROPN
ajfti-5168	306	3	,	,	PUNCT
ajfti-5168	306	4	a.	a.	PROPN
ajfti-5168	306	5	,	,	PUNCT
ajfti-5168	306	6	abd	abd	PROPN
ajfti-5168	306	7	razak	razak	PROPN
ajfti-5168	306	8	,	,	PUNCT
ajfti-5168	306	9	s.	s.	PROPN
ajfti-5168	306	10	,	,	PUNCT
ajfti-5168	306	11	othman	othman	PROPN
ajfti-5168	306	12	,	,	PUNCT
ajfti-5168	306	13	s.	s.	PROPN
ajfti-5168	306	14	h.	h.	PROPN
ajfti-5168	306	15	,	,	PUNCT
ajfti-5168	306	16	eisa	eisa	PROPN
ajfti-5168	306	17	,	,	PUNCT
ajfti-5168	306	18	t.	t.	PROPN
ajfti-5168	306	19	a.	a.	PROPN
ajfti-5168	306	20	,	,	PUNCT
ajfti-5168	306	21	nasser	nasser	PROPN
ajfti-5168	306	22	,	,	PUNCT
ajfti-5168	306	23	m.	m.	NOUN
ajfti-5168	306	24	,	,	PUNCT
ajfti-5168	306	25	elhassan	elhassan	ADJ
ajfti-5168	306	26	,	,	PUNCT
ajfti-5168	306	27	t.	t.	PROPN
ajfti-5168	306	28	,	,	PUNCT
ajfti-5168	306	29	elshafie	elshafie	NOUN
ajfti-5168	306	30	,	,	PUNCT
ajfti-5168	306	31	h.	h.	PROPN
ajfti-5168	306	32	,	,	PUNCT
ajfti-5168	306	33	&	&	CCONJ
ajfti-5168	306	34	saif	saif	PROPN
ajfti-5168	306	35	,	,	PUNCT
ajfti-5168	306	36	a.	a.	NOUN
ajfti-5168	306	37	(	(	PUNCT
ajfti-5168	306	38	2021	2021	NUM
ajfti-5168	306	39	)	)	PUNCT
ajfti-5168	306	40	.	.	PUNCT
ajfti-5168	307	1	financial	financial	ADJ
ajfti-5168	307	2	fraud	fraud	NOUN
ajfti-5168	307	3	detection	detection	NOUN
ajfti-5168	307	4	based	base	VERB
ajfti-5168	307	5	on	on	ADP
ajfti-5168	307	6	machine	machine	NOUN
ajfti-5168	307	7	learning	learning	NOUN
ajfti-5168	307	8	:	:	PUNCT
ajfti-5168	307	9	a	a	DET
ajfti-5168	307	10	systematic	systematic	ADJ
ajfti-5168	307	11	literature	literature	PROPN
ajfti-5168	307	12	review	review	PROPN
ajfti-5168	307	13	.	.	PUNCT
ajfti-5168	308	1	applied	apply	VERB
ajfti-5168	308	2	sciences	science	NOUN
ajfti-5168	308	3	,	,	PUNCT
ajfti-5168	308	4	12(19	12(19	NUM
ajfti-5168	308	5	)	)	PUNCT
ajfti-5168	308	6	,	,	PUNCT
ajfti-5168	308	7	9637	9637	NUM
ajfti-5168	308	8	.	.	PUNCT
ajfti-5168	309	1	https://doi.org/10.3390/app12199637	https://doi.org/10.3390/app12199637	PROPN
ajfti-5168	309	2	aziz	aziz	PROPN
ajfti-5168	309	3	,	,	PUNCT
ajfti-5168	309	4	l.	l.	PROPN
ajfti-5168	309	5	a.	a.	PROPN
ajfti-5168	309	6	r.	r.	PROPN
ajfti-5168	309	7	,	,	PUNCT
ajfti-5168	309	8	&	&	CCONJ
ajfti-5168	309	9	andriansyah	andriansyah	PROPN
ajfti-5168	309	10	,	,	PUNCT
ajfti-5168	309	11	y.	y.	PROPN
ajfti-5168	309	12	(	(	PUNCT
ajfti-5168	309	13	2023	2023	NUM
ajfti-5168	309	14	)	)	PUNCT
ajfti-5168	309	15	.	.	PUNCT
ajfti-5168	310	1	the	the	DET
ajfti-5168	310	2	role	role	NOUN
ajfti-5168	310	3	of	of	ADP
ajfti-5168	310	4	artificial	artificial	ADJ
ajfti-5168	310	5	intelligence	intelligence	NOUN
ajfti-5168	310	6	in	in	ADP
ajfti-5168	310	7	modern	modern	ADJ
ajfti-5168	310	8	banking	banking	NOUN
ajfti-5168	310	9	:	:	PUNCT
ajfti-5168	310	10	an	an	DET
ajfti-5168	310	11	exploration	exploration	NOUN
ajfti-5168	310	12	of	of	ADP
ajfti-5168	310	13	ai	ai	ADJ
ajfti-5168	310	14	-	-	PUNCT
ajfti-5168	310	15	driven	drive	VERB
ajfti-5168	310	16	approaches	approach	NOUN
ajfti-5168	310	17	for	for	ADP
ajfti-5168	310	18	enhanced	enhanced	ADJ
ajfti-5168	310	19	fraud	fraud	NOUN
ajfti-5168	310	20	prevention	prevention	NOUN
ajfti-5168	310	21	,	,	PUNCT
ajfti-5168	310	22	risk	risk	NOUN
ajfti-5168	310	23	management	management	NOUN
ajfti-5168	310	24	,	,	PUNCT
ajfti-5168	310	25	and	and	CCONJ
ajfti-5168	310	26	regulatory	regulatory	ADJ
ajfti-5168	310	27	compliance	compliance	NOUN
ajfti-5168	310	28	.	.	PUNCT
ajfti-5168	311	1	reviews	review	NOUN
ajfti-5168	311	2	of	of	ADP
ajfti-5168	311	3	contemporary	contemporary	PROPN
ajfti-5168	311	4	business	business	NOUN
ajfti-5168	311	5	analytics	analytic	NOUN
ajfti-5168	311	6	,	,	PUNCT
ajfti-5168	311	7	6(1	6(1	NUM
ajfti-5168	311	8	)	)	PUNCT
ajfti-5168	311	9	,	,	PUNCT
ajfti-5168	311	10	110	110	NUM
ajfti-5168	311	11	-	-	SYM
ajfti-5168	311	12	132	132	NUM
ajfti-5168	311	13	.	.	PUNCT
ajfti-5168	312	1	barroso	barroso	PROPN
ajfti-5168	312	2	,	,	PUNCT
ajfti-5168	312	3	m.	m.	NOUN
ajfti-5168	312	4	,	,	PUNCT
ajfti-5168	312	5	&	&	CCONJ
ajfti-5168	312	6	laborda	laborda	PROPN
ajfti-5168	312	7	,	,	PUNCT
ajfti-5168	312	8	j.	j.	PROPN
ajfti-5168	312	9	(	(	PUNCT
ajfti-5168	312	10	2022	2022	NUM
ajfti-5168	312	11	)	)	PUNCT
ajfti-5168	312	12	.	.	PUNCT
ajfti-5168	313	1	digital	digital	ADJ
ajfti-5168	313	2	transformation	transformation	NOUN
ajfti-5168	313	3	and	and	CCONJ
ajfti-5168	313	4	the	the	DET
ajfti-5168	313	5	emergence	emergence	NOUN
ajfti-5168	313	6	of	of	ADP
ajfti-5168	313	7	the	the	DET
ajfti-5168	313	8	fintech	fintech	NOUN
ajfti-5168	313	9	sector	sector	NOUN
ajfti-5168	313	10	:	:	PUNCT
ajfti-5168	313	11	systematic	systematic	ADJ
ajfti-5168	313	12	literature	literature	PROPN
ajfti-5168	313	13	review	review	PROPN
ajfti-5168	313	14	.	.	PUNCT
ajfti-5168	314	1	digital	digital	ADJ
ajfti-5168	314	2	business	business	NOUN
ajfti-5168	314	3	,	,	PUNCT
ajfti-5168	314	4	2(2	2(2	NUM
ajfti-5168	314	5	)	)	PUNCT
ajfti-5168	314	6	,	,	PUNCT
ajfti-5168	314	7	100028	100028	NUM
ajfti-5168	314	8	.	.	PUNCT
ajfti-5168	315	1	https://	https://	PROPN
ajfti-5168	315	2	doi.org/10.1016/j.digbus.2022.100028	doi.org/10.1016/j.digbus.2022.100028	PROPN
ajfti-5168	315	3	bello	bello	PROPN
ajfti-5168	315	4	,	,	PUNCT
ajfti-5168	315	5	h.	h.	PROPN
ajfti-5168	315	6	o.	o.	PROPN
ajfti-5168	315	7	,	,	PUNCT
ajfti-5168	315	8	ige	ige	PROPN
ajfti-5168	315	9	,	,	PUNCT
ajfti-5168	315	10	a.	a.	PROPN
ajfti-5168	315	11	b.	b.	PROPN
ajfti-5168	315	12	,	,	PUNCT
ajfti-5168	315	13	&	&	CCONJ
ajfti-5168	315	14	ameyaw	ameyaw	PROPN
ajfti-5168	315	15	,	,	PUNCT
ajfti-5168	315	16	m.	m.	NOUN
ajfti-5168	315	17	n.	n.	PROPN
ajfti-5168	315	18	(	(	PUNCT
ajfti-5168	315	19	2024	2024	NUM
ajfti-5168	315	20	)	)	PUNCT
ajfti-5168	315	21	.	.	PUNCT
ajfti-5168	316	1	adaptive	adaptive	ADJ
ajfti-5168	316	2	machine	machine	NOUN
ajfti-5168	316	3	learning	learning	NOUN
ajfti-5168	316	4	models	model	NOUN
ajfti-5168	316	5	:	:	PUNCT
ajfti-5168	316	6	concepts	concept	NOUN
ajfti-5168	316	7	for	for	ADP
ajfti-5168	316	8	real	real	ADJ
ajfti-5168	316	9	-	-	PUNCT
ajfti-5168	316	10	time	time	NOUN
ajfti-5168	316	11	financial	financial	PROPN
ajfti-5168	316	12	fraud	fraud	NOUN
ajfti-5168	316	13	prevention	prevention	NOUN
ajfti-5168	316	14	in	in	ADP
ajfti-5168	316	15	dynamic	dynamic	ADJ
ajfti-5168	316	16	environments	environment	NOUN
ajfti-5168	316	17	.	.	PUNCT
ajfti-5168	317	1	world	world	PROPN
ajfti-5168	317	2	journal	journal	PROPN
ajfti-5168	317	3	of	of	ADP
ajfti-5168	317	4	advanced	advanced	ADJ
ajfti-5168	317	5	engineering	engineering	NOUN
ajfti-5168	317	6	technology	technology	NOUN
ajfti-5168	317	7	and	and	CCONJ
ajfti-5168	317	8	sciences	science	NOUN
ajfti-5168	317	9	,	,	PUNCT
ajfti-5168	317	10	12(02	12(02	NUM
ajfti-5168	317	11	)	)	PUNCT
ajfti-5168	317	12	,	,	PUNCT
ajfti-5168	317	13	021–034	021–034	NUM
ajfti-5168	317	14	.	.	PUNCT
ajfti-5168	318	1	https://doi	https://doi	X
ajfti-5168	318	2	.	.	PUNCT
ajfti-5168	318	3	org/10.30574	org/10.30574	PROPN
ajfti-5168	318	4	/	/	SYM
ajfti-5168	318	5	wjaets.2024.12.2.0266	wjaets.2024.12.2.0266	PROPN
ajfti-5168	318	6	bello	bello	PROPN
ajfti-5168	318	7	,	,	PUNCT
ajfti-5168	318	8	o.	o.	PROPN
ajfti-5168	318	9	a.	a.	PROPN
ajfti-5168	318	10	,	,	PUNCT
ajfti-5168	318	11	&	&	CCONJ
ajfti-5168	318	12	olufemi	olufemi	PROPN
ajfti-5168	318	13	,	,	PUNCT
ajfti-5168	318	14	k.	k.	PROPN
ajfti-5168	318	15	(	(	PUNCT
ajfti-5168	318	16	2024	2024	NUM
ajfti-5168	318	17	)	)	PUNCT
ajfti-5168	318	18	.	.	PUNCT
ajfti-5168	319	1	artificial	artificial	ADJ
ajfti-5168	319	2	intelligence	intelligence	NOUN
ajfti-5168	319	3	in	in	ADP
ajfti-5168	319	4	fraud	fraud	NOUN
ajfti-5168	319	5	prevention	prevention	NOUN
ajfti-5168	319	6	:	:	PUNCT
ajfti-5168	319	7	exploring	explore	VERB
ajfti-5168	319	8	techniques	technique	NOUN
ajfti-5168	319	9	and	and	CCONJ
ajfti-5168	319	10	applications	application	NOUN
ajfti-5168	319	11	,	,	PUNCT
ajfti-5168	319	12	challenges	challenge	NOUN
ajfti-5168	319	13	,	,	PUNCT
ajfti-5168	319	14	and	and	CCONJ
ajfti-5168	319	15	opportunities	opportunity	NOUN
ajfti-5168	319	16	.	.	PUNCT
ajfti-5168	320	1	computer	computer	NOUN
ajfti-5168	320	2	science	science	PROPN
ajfti-5168	320	3	&	&	CCONJ
ajfti-5168	320	4	it	it	PRON
ajfti-5168	320	5	research	research	NOUN
ajfti-5168	320	6	journal	journal	NOUN
ajfti-5168	320	7	,	,	PUNCT
ajfti-5168	320	8	5(6	5(6	NUM
ajfti-5168	320	9	)	)	PUNCT
ajfti-5168	320	10	,	,	PUNCT
ajfti-5168	320	11	1505–1520	1505–1520	NUM
ajfti-5168	320	12	.	.	PUNCT
ajfti-5168	321	1	bello	bello	PROPN
ajfti-5168	321	2	,	,	PUNCT
ajfti-5168	321	3	o.	o.	PROPN
ajfti-5168	321	4	a.	a.	PROPN
ajfti-5168	321	5	,	,	PUNCT
ajfti-5168	321	6	folorunso	folorunso	PROPN
ajfti-5168	321	7	,	,	PUNCT
ajfti-5168	321	8	a.	a.	PROPN
ajfti-5168	321	9	,	,	PUNCT
ajfti-5168	321	10	ejiofor	ejiofor	ADV
ajfti-5168	321	11	,	,	PUNCT
ajfti-5168	321	12	o.	o.	PROPN
ajfti-5168	321	13	e.	e.	PROPN
ajfti-5168	321	14	,	,	PUNCT
ajfti-5168	321	15	budale	budale	PROPN
ajfti-5168	321	16	,	,	PUNCT
ajfti-5168	321	17	f.	f.	PROPN
ajfti-5168	321	18	z.	z.	PROPN
ajfti-5168	321	19	,	,	PUNCT
ajfti-5168	321	20	adebayo	adebayo	PROPN
ajfti-5168	321	21	,	,	PUNCT
ajfti-5168	321	22	k.	k.	PROPN
ajfti-5168	321	23	,	,	PUNCT
ajfti-5168	321	24	&	&	CCONJ
ajfti-5168	321	25	babatunde	babatunde	PROPN
ajfti-5168	321	26	,	,	PUNCT
ajfti-5168	321	27	o.	o.	NOUN
ajfti-5168	321	28	a.	a.	NOUN
ajfti-5168	321	29	(	(	PUNCT
ajfti-5168	321	30	2023	2023	NUM
ajfti-5168	321	31	)	)	PUNCT
ajfti-5168	321	32	.	.	PUNCT
ajfti-5168	322	1	machine	machine	NOUN
ajfti-5168	322	2	learning	learn	VERB
ajfti-5168	322	3	approaches	approach	NOUN
ajfti-5168	322	4	for	for	ADP
ajfti-5168	322	5	enhancing	enhance	VERB
ajfti-5168	322	6	fraud	fraud	NOUN
ajfti-5168	322	7	prevention	prevention	NOUN
ajfti-5168	322	8	in	in	ADP
ajfti-5168	322	9	financial	financial	ADJ
ajfti-5168	322	10	transactions	transaction	NOUN
ajfti-5168	322	11	.	.	PUNCT
ajfti-5168	323	1	international	international	ADJ
ajfti-5168	323	2	journal	journal	PROPN
ajfti-5168	323	3	of	of	ADP
ajfti-5168	323	4	management	management	NOUN
ajfti-5168	323	5	technology	technology	NOUN
ajfti-5168	323	6	,	,	PUNCT
ajfti-5168	323	7	10(1	10(1	NUM
ajfti-5168	323	8	)	)	PUNCT
ajfti-5168	323	9	,	,	PUNCT
ajfti-5168	323	10	85	85	NUM
ajfti-5168	323	11	-	-	SYM
ajfti-5168	323	12	109	109	NUM
ajfti-5168	323	13	.	.	PUNCT
ajfti-5168	323	14	bello	bello	PROPN
ajfti-5168	323	15	,	,	PUNCT
ajfti-5168	323	16	o.	o.	PROPN
ajfti-5168	323	17	a.	a.	PROPN
ajfti-5168	323	18	,	,	PUNCT
ajfti-5168	323	19	folorunso	folorunso	PROPN
ajfti-5168	323	20	,	,	PUNCT
ajfti-5168	323	21	a.	a.	NOUN
ajfti-5168	323	22	,	,	PUNCT
ajfti-5168	323	23	ogundipe	ogundipe	NOUN
ajfti-5168	323	24	,	,	PUNCT
ajfti-5168	323	25	a.	a.	NOUN
ajfti-5168	323	26	,	,	PUNCT
ajfti-5168	323	27	ajani	ajani	PROPN
ajfti-5168	323	28	,	,	PUNCT
ajfti-5168	323	29	o.	o.	PROPN
ajfti-5168	323	30	k.	k.	PROPN
ajfti-5168	323	31	,	,	PUNCT
ajfti-5168	323	32	budale	budale	PROPN
ajfti-5168	323	33	,	,	PUNCT
ajfti-5168	323	34	f.	f.	PROPN
ajfti-5168	323	35	z.	z.	PROPN
ajfti-5168	323	36	,	,	PUNCT
ajfti-5168	323	37	&	&	CCONJ
ajfti-5168	323	38	ejiofor	ejiofor	ADV
ajfti-5168	323	39	,	,	PUNCT
ajfti-5168	323	40	o.	o.	PROPN
ajfti-5168	323	41	e.	e.	PROPN
ajfti-5168	323	42	(	(	PUNCT
ajfti-5168	323	43	2022	2022	NUM
ajfti-5168	323	44	)	)	PUNCT
ajfti-5168	323	45	.	.	PUNCT
ajfti-5168	324	1	enhancing	enhance	VERB
ajfti-5168	324	2	cyber	cyber	ADJ
ajfti-5168	324	3	financial	financial	PROPN
ajfti-5168	324	4	fraud	fraud	NOUN
ajfti-5168	324	5	detection	detection	NOUN
ajfti-5168	324	6	using	use	VERB
ajfti-5168	324	7	deep	deep	ADJ
ajfti-5168	324	8	learning	learning	NOUN
ajfti-5168	324	9	techniques	technique	NOUN
ajfti-5168	324	10	:	:	PUNCT
ajfti-5168	324	11	a	a	DET
ajfti-5168	324	12	study	study	NOUN
ajfti-5168	324	13	on	on	ADP
ajfti-5168	324	14	neural	neural	ADJ
ajfti-5168	324	15	networks	network	NOUN
ajfti-5168	324	16	and	and	CCONJ
ajfti-5168	324	17	anomaly	anomaly	NOUN
ajfti-5168	324	18	detection	detection	NOUN
ajfti-5168	324	19	.	.	PUNCT
ajfti-5168	325	1	international	international	ADJ
ajfti-5168	325	2	journal	journal	PROPN
ajfti-5168	325	3	of	of	ADP
ajfti-5168	325	4	network	network	NOUN
ajfti-5168	325	5	and	and	CCONJ
ajfti-5168	325	6	communication	communication	NOUN
ajfti-5168	325	7	research	research	NOUN
ajfti-5168	325	8	,	,	PUNCT
ajfti-5168	325	9	7(1	7(1	NUM
ajfti-5168	325	10	)	)	PUNCT
ajfti-5168	325	11	,	,	PUNCT
ajfti-5168	325	12	90	90	NUM
ajfti-5168	325	13	-	-	SYM
ajfti-5168	325	14	113	113	NUM
ajfti-5168	325	15	.	.	PUNCT
ajfti-5168	326	1	bhuiyan	bhuiyan	PROPN
ajfti-5168	326	2	,	,	PUNCT
ajfti-5168	326	3	m.	m.	NOUN
ajfti-5168	326	4	s.	s.	PROPN
ajfti-5168	326	5	m.	m.	PROPN
ajfti-5168	326	6	,	,	PUNCT
ajfti-5168	326	7	rafi	rafi	PROPN
ajfti-5168	326	8	,	,	PUNCT
ajfti-5168	326	9	m.	m.	NOUN
ajfti-5168	326	10	a.	a.	PROPN
ajfti-5168	326	11	,	,	PUNCT
ajfti-5168	326	12	rodrigues	rodrigues	PROPN
ajfti-5168	326	13	,	,	PUNCT
ajfti-5168	326	14	g.	g.	PROPN
ajfti-5168	326	15	n.	n.	PROPN
ajfti-5168	326	16	,	,	PUNCT
ajfti-5168	326	17	mir	mir	PROPN
ajfti-5168	326	18	,	,	PUNCT
ajfti-5168	326	19	m.	m.	PROPN
ajfti-5168	326	20	n.	n.	PROPN
ajfti-5168	326	21	h.	h.	PROPN
ajfti-5168	326	22	,	,	PUNCT
ajfti-5168	326	23	ishraq	ishraq	PROPN
ajfti-5168	326	24	,	,	PUNCT
ajfti-5168	326	25	a.	a.	NOUN
ajfti-5168	326	26	,	,	PUNCT
ajfti-5168	326	27	mridha	mridha	NOUN
ajfti-5168	326	28	,	,	PUNCT
ajfti-5168	326	29	m.	m.	NOUN
ajfti-5168	326	30	,	,	PUNCT
ajfti-5168	326	31	&	&	CCONJ
ajfti-5168	326	32	shin	shin	PROPN
ajfti-5168	326	33	,	,	PUNCT
ajfti-5168	326	34	j.	j.	PROPN
ajfti-5168	326	35	(	(	PUNCT
ajfti-5168	326	36	2025	2025	NUM
ajfti-5168	326	37	)	)	PUNCT
ajfti-5168	326	38	.	.	PUNCT
ajfti-5168	327	1	deep	deep	ADJ
ajfti-5168	327	2	learning	learning	NOUN
ajfti-5168	327	3	for	for	ADP
ajfti-5168	327	4	algorithmic	algorithmic	ADJ
ajfti-5168	327	5	trading	trading	NOUN
ajfti-5168	327	6	:	:	PUNCT
ajfti-5168	327	7	a	a	DET
ajfti-5168	327	8	systematic	systematic	ADJ
ajfti-5168	327	9	review	review	NOUN
ajfti-5168	327	10	of	of	ADP
ajfti-5168	327	11	predictive	predictive	ADJ
ajfti-5168	327	12	models	model	NOUN
ajfti-5168	327	13	and	and	CCONJ
ajfti-5168	327	14	optimization	optimization	NOUN
ajfti-5168	327	15	strategies	strategy	NOUN
ajfti-5168	327	16	.	.	PUNCT
ajfti-5168	328	1	array	array	NOUN
ajfti-5168	328	2	,	,	PUNCT
ajfti-5168	328	3	100390	100390	NUM
ajfti-5168	328	4	.	.	PUNCT
ajfti-5168	329	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
ajfti-5168	329	2	.	.	PUNCT
ajfti-5168	330	1	array.2025.100390	array.2025.100390	PROPN
ajfti-5168	330	2	bueno	bueno	PROPN
ajfti-5168	330	3	,	,	PUNCT
ajfti-5168	330	4	l.	l.	PROPN
ajfti-5168	330	5	a.	a.	PROPN
ajfti-5168	330	6	,	,	PUNCT
ajfti-5168	330	7	sigahi	sigahi	PROPN
ajfti-5168	330	8	,	,	PUNCT
ajfti-5168	330	9	t.	t.	PROPN
ajfti-5168	330	10	f.	f.	PROPN
ajfti-5168	330	11	,	,	PUNCT
ajfti-5168	330	12	rampasso	rampasso	PROPN
ajfti-5168	330	13	,	,	PUNCT
ajfti-5168	330	14	i.	i.	PROPN
ajfti-5168	330	15	s.	s.	PROPN
ajfti-5168	330	16	,	,	PUNCT
ajfti-5168	330	17	filho	filho	PROPN
ajfti-5168	330	18	,	,	PUNCT
ajfti-5168	330	19	w.	w.	PROPN
ajfti-5168	330	20	l.	l.	PROPN
ajfti-5168	330	21	,	,	PUNCT
ajfti-5168	330	22	&	&	CCONJ
ajfti-5168	330	23	anholon	anholon	PROPN
ajfti-5168	330	24	,	,	PUNCT
ajfti-5168	330	25	r.	r.	PROPN
ajfti-5168	330	26	(	(	PUNCT
ajfti-5168	330	27	2024	2024	NUM
ajfti-5168	330	28	)	)	PUNCT
ajfti-5168	330	29	.	.	PUNCT
ajfti-5168	331	1	impacts	impact	NOUN
ajfti-5168	331	2	of	of	ADP
ajfti-5168	331	3	digitization	digitization	NOUN
ajfti-5168	331	4	on	on	ADP
ajfti-5168	331	5	operational	operational	ADJ
ajfti-5168	331	6	efficiency	efficiency	NOUN
ajfti-5168	331	7	in	in	ADP
ajfti-5168	331	8	the	the	DET
ajfti-5168	331	9	banking	banking	NOUN
ajfti-5168	331	10	sector	sector	NOUN
ajfti-5168	331	11	:	:	PUNCT
ajfti-5168	331	12	thematic	thematic	ADJ
ajfti-5168	331	13	analysis	analysis	NOUN
ajfti-5168	331	14	and	and	CCONJ
ajfti-5168	331	15	research	research	NOUN
ajfti-5168	331	16	agenda	agenda	NOUN
ajfti-5168	331	17	proposal	proposal	NOUN
ajfti-5168	331	18	.	.	PUNCT
ajfti-5168	332	1	international	international	ADJ
ajfti-5168	332	2	journal	journal	PROPN
ajfti-5168	332	3	of	of	ADP
ajfti-5168	332	4	information	information	NOUN
ajfti-5168	332	5	management	management	NOUN
ajfti-5168	332	6	data	datum	NOUN
ajfti-5168	332	7	insights	insight	NOUN
ajfti-5168	332	8	,	,	PUNCT
ajfti-5168	332	9	4(1	4(1	NOUN
ajfti-5168	332	10	)	)	PUNCT
ajfti-5168	332	11	,	,	PUNCT
ajfti-5168	332	12	100230	100230	NUM
ajfti-5168	332	13	.	.	PUNCT
ajfti-5168	333	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
ajfti-5168	333	2	.	.	PUNCT
ajfti-5168	334	1	jjimei.2024.100230	jjimei.2024.100230	PRON
ajfti-5168	334	2	cherif	cherif	PROPN
ajfti-5168	334	3	,	,	PUNCT
ajfti-5168	334	4	a.	a.	PROPN
ajfti-5168	334	5	,	,	PUNCT
ajfti-5168	334	6	badhib	badhib	NOUN
ajfti-5168	334	7	,	,	PUNCT
ajfti-5168	334	8	a.	a.	PROPN
ajfti-5168	334	9	,	,	PUNCT
ajfti-5168	334	10	ammar	ammar	PROPN
ajfti-5168	334	11	,	,	PUNCT
ajfti-5168	334	12	h.	h.	PROPN
ajfti-5168	334	13	,	,	PUNCT
ajfti-5168	334	14	alshehri	alshehri	PROPN
ajfti-5168	334	15	,	,	PUNCT
ajfti-5168	334	16	s.	s.	PROPN
ajfti-5168	334	17	,	,	PUNCT
ajfti-5168	334	18	kalkatawi	kalkatawi	PROPN
ajfti-5168	334	19	,	,	PUNCT
ajfti-5168	334	20	m.	m.	NOUN
ajfti-5168	334	21	,	,	PUNCT
ajfti-5168	334	22	&	&	CCONJ
ajfti-5168	334	23	imine	imine	NOUN
ajfti-5168	334	24	,	,	PUNCT
ajfti-5168	334	25	a.	a.	NOUN
ajfti-5168	334	26	(	(	PUNCT
ajfti-5168	334	27	2022	2022	NUM
ajfti-5168	334	28	)	)	PUNCT
ajfti-5168	334	29	.	.	PUNCT
ajfti-5168	335	1	credit	credit	NOUN
ajfti-5168	335	2	card	card	NOUN
ajfti-5168	335	3	fraud	fraud	NOUN
ajfti-5168	335	4	detection	detection	NOUN
ajfti-5168	335	5	in	in	ADP
ajfti-5168	335	6	the	the	DET
ajfti-5168	335	7	era	era	NOUN
ajfti-5168	335	8	of	of	ADP
ajfti-5168	335	9	disruptive	disruptive	ADJ
ajfti-5168	335	10	technologies	technology	NOUN
ajfti-5168	335	11	:	:	PUNCT
ajfti-5168	335	12	a	a	DET
ajfti-5168	335	13	systematic	systematic	ADJ
ajfti-5168	335	14	review	review	NOUN
ajfti-5168	335	15	.	.	PUNCT
ajfti-5168	336	1	journal	journal	PROPN
ajfti-5168	336	2	of	of	ADP
ajfti-5168	336	3	king	king	PROPN
ajfti-5168	336	4	saud	saud	PROPN
ajfti-5168	336	5	university	university	PROPN
ajfti-5168	336	6	computer	computer	NOUN
ajfti-5168	336	7	and	and	CCONJ
ajfti-5168	336	8	information	information	NOUN
ajfti-5168	336	9	sciences	science	NOUN
ajfti-5168	336	10	,	,	PUNCT
ajfti-5168	336	11	35(1	35(1	NUM
ajfti-5168	336	12	)	)	PUNCT
ajfti-5168	336	13	,	,	PUNCT
ajfti-5168	336	14	145	145	NUM
ajfti-5168	336	15	-	-	SYM
ajfti-5168	336	16	174	174	NUM
ajfti-5168	336	17	.	.	PUNCT
ajfti-5168	337	1	https://doi	https://doi	X
ajfti-5168	337	2	.	.	PUNCT
ajfti-5168	337	3	org/10.1016	org/10.1016	PROPN
ajfti-5168	337	4	/	/	SYM
ajfti-5168	337	5	j.jksuci.2022.11.008	j.jksuci.2022.11.008	PROPN
ajfti-5168	337	6	chowdhury	chowdhury	PROPN
ajfti-5168	337	7	,	,	PUNCT
ajfti-5168	337	8	r.	r.	PROPN
ajfti-5168	337	9	h.	h.	PROPN
ajfti-5168	337	10	(	(	PUNCT
ajfti-5168	337	11	2024	2024	NUM
ajfti-5168	337	12	)	)	PUNCT
ajfti-5168	337	13	.	.	PUNCT
ajfti-5168	338	1	advancing	advance	VERB
ajfti-5168	338	2	fraud	fraud	NOUN
ajfti-5168	338	3	detection	detection	NOUN
ajfti-5168	338	4	through	through	ADP
ajfti-5168	338	5	deep	deep	ADJ
ajfti-5168	338	6	learning	learning	NOUN
ajfti-5168	338	7	:	:	PUNCT
ajfti-5168	338	8	a	a	DET
ajfti-5168	338	9	comprehensive	comprehensive	ADJ
ajfti-5168	338	10	review	review	NOUN
ajfti-5168	338	11	.	.	PUNCT
ajfti-5168	339	1	world	world	PROPN
ajfti-5168	339	2	journal	journal	PROPN
ajfti-5168	339	3	of	of	ADP
ajfti-5168	339	4	advanced	advanced	ADJ
ajfti-5168	339	5	engineering	engineering	NOUN
ajfti-5168	339	6	technology	technology	NOUN
ajfti-5168	339	7	and	and	CCONJ
ajfti-5168	339	8	sciences	science	NOUN
ajfti-5168	339	9	,	,	PUNCT
ajfti-5168	339	10	12(02	12(02	NUM
ajfti-5168	339	11	)	)	PUNCT
ajfti-5168	339	12	,	,	PUNCT
ajfti-5168	339	13	606–613	606–613	NUM
ajfti-5168	339	14	.	.	PUNCT
ajfti-5168	340	1	https://doi.org/10.30574/	https://doi.org/10.30574/	PROPN
ajfti-5168	340	2	wjaets.2024.12.2.0332	wjaets.2024.12.2.0332	PROPN
ajfti-5168	340	3	dangsawang	dangsawang	PROPN
ajfti-5168	340	4	,	,	PUNCT
ajfti-5168	340	5	b.	b.	PROPN
ajfti-5168	340	6	,	,	PUNCT
ajfti-5168	340	7	&	&	CCONJ
ajfti-5168	340	8	nuchitprasitchai	nuchitprasitchai	PROPN
ajfti-5168	340	9	,	,	PUNCT
ajfti-5168	340	10	s.	s.	PROPN
ajfti-5168	340	11	(	(	PUNCT
ajfti-5168	340	12	2024	2024	NUM
ajfti-5168	340	13	)	)	PUNCT
ajfti-5168	340	14	.	.	PUNCT
ajfti-5168	341	1	a	a	DET
ajfti-5168	341	2	machine	machine	NOUN
ajfti-5168	341	3	learning	learn	VERB
ajfti-5168	341	4	approach	approach	NOUN
ajfti-5168	341	5	for	for	ADP
ajfti-5168	341	6	detecting	detect	VERB
ajfti-5168	341	7	customs	custom	NOUN
ajfti-5168	341	8	fraud	fraud	NOUN
ajfti-5168	341	9	through	through	ADP
ajfti-5168	341	10	unstructured	unstructured	ADJ
ajfti-5168	341	11	data	datum	NOUN
ajfti-5168	341	12	analysis	analysis	NOUN
ajfti-5168	341	13	in	in	ADP
ajfti-5168	341	14	social	social	ADJ
ajfti-5168	341	15	media	medium	NOUN
ajfti-5168	341	16	.	.	PUNCT
ajfti-5168	342	1	decision	decision	NOUN
ajfti-5168	342	2	analytics	analytic	NOUN
ajfti-5168	342	3	journal	journal	NOUN
ajfti-5168	342	4	,	,	PUNCT
ajfti-5168	342	5	10	10	NUM
ajfti-5168	342	6	,	,	PUNCT
ajfti-5168	342	7	100408	100408	NUM
ajfti-5168	342	8	.	.	PUNCT
ajfti-5168	343	1	https://doi	https://doi	X
ajfti-5168	343	2	.	.	PUNCT
ajfti-5168	343	3	org/10.1016	org/10.1016	PROPN
ajfti-5168	343	4	/	/	SYM
ajfti-5168	343	5	j.dajour.2024.100408	j.dajour.2024.100408	PROPN
ajfti-5168	343	6	ezie	ezie	NOUN
ajfti-5168	343	7	,	,	PUNCT
ajfti-5168	343	8	o.	o.	NOUN
ajfti-5168	343	9	,	,	PUNCT
ajfti-5168	343	10	oniore	oniore	NOUN
ajfti-5168	343	11	,	,	PUNCT
ajfti-5168	343	12	j.	j.	PROPN
ajfti-5168	343	13	,	,	PUNCT
ajfti-5168	343	14	&	&	CCONJ
ajfti-5168	343	15	ajaegbu	ajaegbu	PROPN
ajfti-5168	343	16	,	,	PUNCT
ajfti-5168	343	17	p.	p.	PROPN
ajfti-5168	343	18	c.	c.	PROPN
ajfti-5168	343	19	(	(	PUNCT
ajfti-5168	343	20	2023	2023	NUM
ajfti-5168	343	21	)	)	PUNCT
ajfti-5168	343	22	.	.	PUNCT
ajfti-5168	344	1	financial	financial	ADJ
ajfti-5168	344	2	technology	technology	NOUN
ajfti-5168	344	3	and	and	CCONJ
ajfti-5168	344	4	economic	economic	ADJ
ajfti-5168	344	5	growth	growth	NOUN
ajfti-5168	344	6	in	in	ADP
ajfti-5168	344	7	nigeria	nigeria	PRON
ajfti-5168	344	8	:	:	PUNCT
ajfti-5168	344	9	2012q12022q4	2012q12022q4	NUM
ajfti-5168	344	10	.	.	PUNCT
ajfti-5168	345	1	american	american	PROPN
ajfti-5168	345	2	journal	journal	PROPN
ajfti-5168	345	3	of	of	ADP
ajfti-5168	345	4	financial	financial	ADJ
ajfti-5168	345	5	technology	technology	NOUN
ajfti-5168	345	6	and	and	CCONJ
ajfti-5168	345	7	innovation	innovation	NOUN
ajfti-5168	345	8	,	,	PUNCT
ajfti-5168	345	9	1(1	1(1	NUM
ajfti-5168	345	10	)	)	PUNCT
ajfti-5168	345	11	,	,	PUNCT
ajfti-5168	345	12	35–45	35–45	NUM
ajfti-5168	345	13	.	.	PUNCT
ajfti-5168	346	1	https://doi.org/10.54536/	https://doi.org/10.54536/	PROPN
ajfti-5168	346	2	ajfti.v1i1.2325	ajfti.v1i1.2325	PROPN
ajfti-5168	346	3	ganaie	ganaie	PROPN
ajfti-5168	346	4	,	,	PUNCT
ajfti-5168	346	5	m.	m.	NOUN
ajfti-5168	346	6	,	,	PUNCT
ajfti-5168	346	7	hu	hu	PROPN
ajfti-5168	346	8	,	,	PUNCT
ajfti-5168	346	9	m.	m.	NOUN
ajfti-5168	346	10	,	,	PUNCT
ajfti-5168	346	11	malik	malik	PROPN
ajfti-5168	346	12	,	,	PUNCT
ajfti-5168	346	13	a.	a.	PROPN
ajfti-5168	346	14	,	,	PUNCT
ajfti-5168	346	15	tanveer	tanveer	PROPN
ajfti-5168	346	16	,	,	PUNCT
ajfti-5168	346	17	m.	m.	NOUN
ajfti-5168	346	18	,	,	PUNCT
ajfti-5168	346	19	&	&	CCONJ
ajfti-5168	346	20	suganthan	suganthan	PROPN
ajfti-5168	346	21	,	,	PUNCT
ajfti-5168	346	22	p.	p.	NOUN
ajfti-5168	346	23	(	(	PUNCT
ajfti-5168	346	24	2022	2022	NUM
ajfti-5168	346	25	)	)	PUNCT
ajfti-5168	346	26	.	.	PUNCT
ajfti-5168	347	1	ensemble	ensemble	ADJ
ajfti-5168	347	2	deep	deep	ADJ
ajfti-5168	347	3	learning	learning	NOUN
ajfti-5168	347	4	:	:	PUNCT
ajfti-5168	347	5	a	a	DET
ajfti-5168	347	6	review	review	NOUN
ajfti-5168	347	7	.	.	PUNCT
ajfti-5168	348	1	engineering	engineering	NOUN
ajfti-5168	348	2	applications	application	NOUN
ajfti-5168	348	3	of	of	ADP
ajfti-5168	348	4	artificial	artificial	ADJ
ajfti-5168	348	5	intelligence	intelligence	NOUN
ajfti-5168	348	6	,	,	PUNCT
ajfti-5168	348	7	115	115	NUM
ajfti-5168	348	8	,	,	PUNCT
ajfti-5168	348	9	105151	105151	NUM
ajfti-5168	348	10	.	.	PUNCT
ajfti-5168	349	1	https://	https://	PROPN
ajfti-5168	349	2	doi.org/10.1016/j.engappai.2022.105151	doi.org/10.1016/j.engappai.2022.105151	PROPN
ajfti-5168	349	3	goyal	goyal	PROPN
ajfti-5168	349	4	,	,	PUNCT
ajfti-5168	349	5	k.	k.	PROPN
ajfti-5168	349	6	,	,	PUNCT
ajfti-5168	349	7	garg	garg	NOUN
ajfti-5168	349	8	,	,	PUNCT
ajfti-5168	349	9	m.	m.	NOUN
ajfti-5168	349	10	,	,	PUNCT
ajfti-5168	349	11	&	&	CCONJ
ajfti-5168	349	12	malik	malik	PROPN
ajfti-5168	349	13	,	,	PUNCT
ajfti-5168	349	14	s.	s.	PROPN
ajfti-5168	349	15	(	(	PUNCT
ajfti-5168	349	16	2025	2025	NUM
ajfti-5168	349	17	)	)	PUNCT
ajfti-5168	349	18	.	.	PUNCT
ajfti-5168	350	1	adoption	adoption	NOUN
ajfti-5168	350	2	of	of	ADP
ajfti-5168	350	3	artificial	artificial	ADJ
ajfti-5168	350	4	intelligence	intelligence	NOUN
ajfti-5168	350	5	-	-	PUNCT
ajfti-5168	350	6	based	base	VERB
ajfti-5168	350	7	credit	credit	NOUN
ajfti-5168	350	8	risk	risk	NOUN
ajfti-5168	350	9	assessment	assessment	NOUN
ajfti-5168	350	10	and	and	CCONJ
ajfti-5168	350	11	fraud	fraud	NOUN
ajfti-5168	350	12	detection	detection	NOUN
ajfti-5168	350	13	in	in	ADP
ajfti-5168	350	14	banking	banking	NOUN
ajfti-5168	350	15	services	service	NOUN
ajfti-5168	350	16	:	:	PUNCT
ajfti-5168	350	17	a	a	DET
ajfti-5168	350	18	hybrid	hybrid	ADJ
ajfti-5168	350	19	approach	approach	NOUN
ajfti-5168	350	20	(	(	PUNCT
ajfti-5168	350	21	sem	sem	PROPN
ajfti-5168	350	22	-	-	PROPN
ajfti-5168	350	23	ann	ann	PROPN
ajfti-5168	350	24	)	)	PUNCT
ajfti-5168	350	25	.	.	PUNCT
ajfti-5168	351	1	future	future	ADJ
ajfti-5168	351	2	business	business	NOUN
ajfti-5168	351	3	journal	journal	NOUN
ajfti-5168	351	4	,	,	PUNCT
ajfti-5168	351	5	11(1	11(1	NUM
ajfti-5168	351	6	)	)	PUNCT
ajfti-5168	351	7	.	.	PUNCT
ajfti-5168	352	1	https://doi.org/10.1186/s43093-025-00464-3	https://doi.org/10.1186/s43093-025-00464-3	PROPN
ajfti-5168	352	2	hernandez	hernandez	PROPN
ajfti-5168	352	3	aros	aros	PROPN
ajfti-5168	352	4	,	,	PUNCT
ajfti-5168	352	5	l.	l.	PROPN
ajfti-5168	352	6	,	,	PUNCT
ajfti-5168	352	7	bustamante	bustamante	PROPN
ajfti-5168	352	8	molano	molano	PROPN
ajfti-5168	352	9	,	,	PUNCT
ajfti-5168	352	10	l.	l.	PROPN
ajfti-5168	352	11	x.	x.	PROPN
ajfti-5168	352	12	,	,	PUNCT
ajfti-5168	352	13	moreno	moreno	PROPN
ajfti-5168	352	14	hernandez	hernandez	PROPN
ajfti-5168	352	15	,	,	PUNCT
ajfti-5168	352	16	j.	j.	PROPN
ajfti-5168	352	17	j.	j.	PROPN
ajfti-5168	352	18	,	,	PUNCT
ajfti-5168	352	19	&	&	CCONJ
ajfti-5168	352	20	rodríguez	rodríguez	PROPN
ajfti-5168	352	21	barrero	barrero	NOUN
ajfti-5168	352	22	,	,	PUNCT
ajfti-5168	352	23	m.	m.	NOUN
ajfti-5168	352	24	s.	s.	PROPN
ajfti-5168	352	25	(	(	PUNCT
ajfti-5168	352	26	2024	2024	NUM
ajfti-5168	352	27	)	)	PUNCT
ajfti-5168	352	28	.	.	PUNCT
ajfti-5168	353	1	financial	financial	ADJ
ajfti-5168	353	2	fraud	fraud	NOUN
ajfti-5168	353	3	detection	detection	NOUN
ajfti-5168	353	4	through	through	ADP
ajfti-5168	353	5	the	the	DET
ajfti-5168	353	6	application	application	NOUN
ajfti-5168	353	7	of	of	ADP
ajfti-5168	353	8	machine	machine	NOUN
ajfti-5168	353	9	learning	learn	VERB
ajfti-5168	353	10	techniques	technique	NOUN
ajfti-5168	353	11	:	:	PUNCT
ajfti-5168	353	12	a	a	DET
ajfti-5168	353	13	literature	literature	NOUN
ajfti-5168	353	14	review	review	NOUN
ajfti-5168	353	15	.	.	PUNCT
ajfti-5168	354	1	humanities	humanity	NOUN
ajfti-5168	354	2	and	and	CCONJ
ajfti-5168	354	3	social	social	ADJ
ajfti-5168	354	4	sciences	science	NOUN
ajfti-5168	354	5	communications	communication	NOUN
ajfti-5168	354	6	,	,	PUNCT
ajfti-5168	354	7	11(1	11(1	NUM
ajfti-5168	354	8	)	)	PUNCT
ajfti-5168	354	9	,	,	PUNCT
ajfti-5168	354	10	1	1	NUM
ajfti-5168	354	11	-	-	SYM
ajfti-5168	354	12	22	22	NUM
ajfti-5168	354	13	.	.	PUNCT
ajfti-5168	355	1	https://doi.org/10.1057/s41599-024-03606-0	https://doi.org/10.1057/s41599-024-03606-0	PROPN
ajfti-5168	355	2	hernandez	hernandez	PROPN
ajfti-5168	355	3	,	,	PUNCT
ajfti-5168	355	4	m.	m.	NOUN
ajfti-5168	355	5	,	,	PUNCT
ajfti-5168	355	6	epelde	epelde	ADJ
ajfti-5168	355	7	,	,	PUNCT
ajfti-5168	355	8	g.	g.	NOUN
ajfti-5168	355	9	,	,	PUNCT
ajfti-5168	355	10	alberdi	alberdi	PROPN
ajfti-5168	355	11	,	,	PUNCT
ajfti-5168	355	12	a.	a.	NOUN
ajfti-5168	355	13	,	,	PUNCT
ajfti-5168	355	14	cilla	cilla	PROPN
ajfti-5168	355	15	,	,	PUNCT
ajfti-5168	355	16	r.	r.	PROPN
ajfti-5168	355	17	,	,	PUNCT
ajfti-5168	355	18	&	&	CCONJ
ajfti-5168	355	19	rankin	rankin	PROPN
ajfti-5168	355	20	,	,	PUNCT
ajfti-5168	355	21	d.	d.	PROPN
ajfti-5168	355	22	(	(	PUNCT
ajfti-5168	355	23	2022	2022	NUM
ajfti-5168	355	24	)	)	PUNCT
ajfti-5168	355	25	.	.	PUNCT
ajfti-5168	356	1	synthetic	synthetic	ADJ
ajfti-5168	356	2	data	datum	NOUN
ajfti-5168	356	3	generation	generation	NOUN
ajfti-5168	356	4	for	for	ADP
ajfti-5168	356	5	tabular	tabular	NOUN
ajfti-5168	356	6	health	health	NOUN
ajfti-5168	356	7	records	record	NOUN
ajfti-5168	356	8	:	:	PUNCT
ajfti-5168	356	9	a	a	DET
ajfti-5168	356	10	systematic	systematic	ADJ
ajfti-5168	356	11	review	review	NOUN
ajfti-5168	356	12	.	.	PUNCT
ajfti-5168	357	1	neurocomputing	neurocomputing	NOUN
ajfti-5168	357	2	,	,	PUNCT
ajfti-5168	357	3	493	493	NUM
ajfti-5168	357	4	,	,	PUNCT
ajfti-5168	357	5	28	28	NUM
ajfti-5168	357	6	–	–	PUNCT
ajfti-5168	357	7	45	45	NUM
ajfti-5168	357	8	.	.	PUNCT
ajfti-5168	358	1	https://doi.org/10.1016/j.neucom.2022.04.053	https://doi.org/10.1016/j.neucom.2022.04.053	PROPN
ajfti-5168	358	2	hilal	hilal	PROPN
ajfti-5168	358	3	,	,	PUNCT
ajfti-5168	358	4	w.	w.	PROPN
ajfti-5168	358	5	,	,	PUNCT
ajfti-5168	358	6	gadsden	gadsden	PROPN
ajfti-5168	358	7	,	,	PUNCT
ajfti-5168	358	8	s.	s.	PROPN
ajfti-5168	358	9	a.	a.	PROPN
ajfti-5168	358	10	,	,	PUNCT
ajfti-5168	358	11	&	&	CCONJ
ajfti-5168	358	12	yawney	yawney	PROPN
ajfti-5168	358	13	,	,	PUNCT
ajfti-5168	358	14	j.	j.	PROPN
ajfti-5168	358	15	(	(	PUNCT
ajfti-5168	358	16	2021	2021	NUM
ajfti-5168	358	17	)	)	PUNCT
ajfti-5168	358	18	.	.	PUNCT
ajfti-5168	359	1	financial	financial	ADJ
ajfti-5168	359	2	pa	pa	PROPN
ajfti-5168	359	3	ge	ge	PROPN
ajfti-5168	359	4	18	18	NUM
ajfti-5168	359	5	6	6	NUM
ajfti-5168	359	6	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-5168	359	7	am	be	AUX
ajfti-5168	359	8	.	.	PUNCT
ajfti-5168	360	1	j.	j.	PROPN
ajfti-5168	360	2	financ	financ	PROPN
ajfti-5168	360	3	.	.	PUNCT
ajfti-5168	361	1	technol	technol	PROPN
ajfti-5168	361	2	.	.	PUNCT
ajfti-5168	361	3	innov	innov	PROPN
ajfti-5168	361	4	.	.	PUNCT
ajfti-5168	362	1	3(1	3(1	NUM
ajfti-5168	362	2	)	)	PUNCT
ajfti-5168	362	3	177	177	NUM
ajfti-5168	362	4	-	-	SYM
ajfti-5168	362	5	187	187	NUM
ajfti-5168	362	6	,	,	PUNCT
ajfti-5168	362	7	2025	2025	NUM
ajfti-5168	362	8	fraud	fraud	NOUN
ajfti-5168	362	9	:	:	PUNCT
ajfti-5168	362	10	a	a	DET
ajfti-5168	362	11	review	review	NOUN
ajfti-5168	362	12	of	of	ADP
ajfti-5168	362	13	anomaly	anomaly	NOUN
ajfti-5168	362	14	detection	detection	NOUN
ajfti-5168	362	15	techniques	technique	NOUN
ajfti-5168	362	16	and	and	CCONJ
ajfti-5168	362	17	recent	recent	ADJ
ajfti-5168	362	18	advances	advance	NOUN
ajfti-5168	362	19	.	.	PUNCT
ajfti-5168	363	1	expert	expert	NOUN
ajfti-5168	363	2	systems	system	NOUN
ajfti-5168	363	3	with	with	ADP
ajfti-5168	363	4	applications	application	NOUN
ajfti-5168	363	5	,	,	PUNCT
ajfti-5168	363	6	193	193	NUM
ajfti-5168	363	7	,	,	PUNCT
ajfti-5168	363	8	116429	116429	NUM
ajfti-5168	363	9	.	.	PUNCT
ajfti-5168	364	1	https://doi.org/10.1016/j.eswa.2021.116429	https://doi.org/10.1016/j.eswa.2021.116429	PROPN
ajfti-5168	364	2	huang	huang	PROPN
ajfti-5168	364	3	,	,	PUNCT
ajfti-5168	364	4	z.	z.	PROPN
ajfti-5168	364	5	,	,	PUNCT
ajfti-5168	364	6	zheng	zheng	PROPN
ajfti-5168	364	7	,	,	PUNCT
ajfti-5168	364	8	h.	h.	PROPN
ajfti-5168	364	9	,	,	PUNCT
ajfti-5168	364	10	li	li	PROPN
ajfti-5168	364	11	,	,	PUNCT
ajfti-5168	364	12	c.	c.	PROPN
ajfti-5168	364	13	,	,	PUNCT
ajfti-5168	364	14	&	&	CCONJ
ajfti-5168	364	15	che	che	PROPN
ajfti-5168	364	16	,	,	PUNCT
ajfti-5168	364	17	c.	c.	PROPN
ajfti-5168	364	18	(	(	PUNCT
ajfti-5168	364	19	2024	2024	NUM
ajfti-5168	364	20	)	)	PUNCT
ajfti-5168	364	21	.	.	PUNCT
ajfti-5168	365	1	application	application	NOUN
ajfti-5168	365	2	of	of	ADP
ajfti-5168	365	3	machine	machine	NOUN
ajfti-5168	365	4	learning	learning	NOUN
ajfti-5168	365	5	-	-	PUNCT
ajfti-5168	365	6	based	base	VERB
ajfti-5168	365	7	k	k	NOUN
ajfti-5168	365	8	-	-	PUNCT
ajfti-5168	365	9	means	means	NOUN
ajfti-5168	365	10	clustering	cluster	VERB
ajfti-5168	365	11	for	for	ADP
ajfti-5168	365	12	financial	financial	ADJ
ajfti-5168	365	13	fraud	fraud	NOUN
ajfti-5168	365	14	detection	detection	NOUN
ajfti-5168	365	15	.	.	PUNCT
ajfti-5168	366	1	academic	academic	ADJ
ajfti-5168	366	2	journal	journal	NOUN
ajfti-5168	366	3	of	of	ADP
ajfti-5168	366	4	science	science	NOUN
ajfti-5168	366	5	and	and	CCONJ
ajfti-5168	366	6	technology	technology	NOUN
ajfti-5168	366	7	,	,	PUNCT
ajfti-5168	366	8	10(1	10(1	NUM
ajfti-5168	366	9	)	)	PUNCT
ajfti-5168	366	10	,	,	PUNCT
ajfti-5168	366	11	33	33	NUM
ajfti-5168	366	12	-	-	SYM
ajfti-5168	366	13	39	39	NUM
ajfti-5168	366	14	.	.	PUNCT
ajfti-5168	367	1	https://	https://	PROPN
ajfti-5168	367	2	doi.org/10.54097/74414c90	doi.org/10.54097/74414c90	PROPN
ajfti-5168	367	3	igah	igah	PROPN
ajfti-5168	367	4	,	,	PUNCT
ajfti-5168	367	5	r.	r.	PROPN
ajfti-5168	367	6	,	,	PUNCT
ajfti-5168	367	7	&	&	CCONJ
ajfti-5168	367	8	luse	luse	PROPN
ajfti-5168	367	9	,	,	PUNCT
ajfti-5168	367	10	a.	a.	NOUN
ajfti-5168	367	11	(	(	PUNCT
ajfti-5168	367	12	2024	2024	NUM
ajfti-5168	367	13	)	)	PUNCT
ajfti-5168	367	14	.	.	PUNCT
ajfti-5168	368	1	unravelling	unravel	VERB
ajfti-5168	368	2	biased	biased	ADJ
ajfti-5168	368	3	blocking	blocking	NOUN
ajfti-5168	368	4	in	in	ADP
ajfti-5168	368	5	the	the	DET
ajfti-5168	368	6	adoption	adoption	NOUN
ajfti-5168	368	7	of	of	ADP
ajfti-5168	368	8	payattitude	payattitude	PROPN
ajfti-5168	368	9	nfc	nfc	NOUN
ajfti-5168	368	10	electronic	electronic	ADJ
ajfti-5168	368	11	payment	payment	NOUN
ajfti-5168	368	12	in	in	ADP
ajfti-5168	368	13	nigeria	nigeria	PROPN
ajfti-5168	368	14	:	:	PUNCT
ajfti-5168	368	15	an	an	DET
ajfti-5168	368	16	exploratory	exploratory	ADJ
ajfti-5168	368	17	analysis	analysis	NOUN
ajfti-5168	368	18	.	.	PUNCT
ajfti-5168	369	1	mwais	mwais	NOUN
ajfti-5168	369	2	2024	2024	NUM
ajfti-5168	369	3	proceedings	proceeding	NOUN
ajfti-5168	369	4	.	.	PUNCT
ajfti-5168	370	1	7	7	X
ajfti-5168	370	2	.	.	X
ajfti-5168	370	3	https://aisel.aisnet.org/	https://aisel.aisnet.org/	PROPN
ajfti-5168	370	4	mwais2024/7	mwais2024/7	PROPN
ajfti-5168	370	5	ikemefuna	ikemefuna	PROPN
ajfti-5168	370	6	,	,	PUNCT
ajfti-5168	370	7	c.	c.	PROPN
ajfti-5168	370	8	d.	d.	PROPN
ajfti-5168	370	9	,	,	PUNCT
ajfti-5168	370	10	okusi	okusi	ADJ
ajfti-5168	370	11	,	,	PUNCT
ajfti-5168	370	12	o.	o.	PROPN
ajfti-5168	370	13	,	,	PUNCT
ajfti-5168	370	14	iwuh	iwuh	PROPN
ajfti-5168	370	15	,	,	PUNCT
ajfti-5168	370	16	a.	a.	PROPN
ajfti-5168	370	17	c.	c.	PROPN
ajfti-5168	370	18	,	,	PUNCT
ajfti-5168	370	19	&	&	CCONJ
ajfti-5168	370	20	yusuf	yusuf	PROPN
ajfti-5168	370	21	,	,	PUNCT
ajfti-5168	370	22	s.	s.	PROPN
ajfti-5168	370	23	(	(	PUNCT
ajfti-5168	370	24	2024	2024	NUM
ajfti-5168	370	25	)	)	PUNCT
ajfti-5168	370	26	.	.	PUNCT
ajfti-5168	371	1	adaptive	adaptive	PROPN
ajfti-5168	371	2	fraud	fraud	NOUN
ajfti-5168	371	3	detection	detection	NOUN
ajfti-5168	371	4	systems	system	NOUN
ajfti-5168	371	5	:	:	PUNCT
ajfti-5168	371	6	using	use	VERB
ajfti-5168	371	7	ml	ml	NOUN
ajfti-5168	371	8	to	to	PART
ajfti-5168	371	9	identify	identify	VERB
ajfti-5168	371	10	and	and	CCONJ
ajfti-5168	371	11	respond	respond	VERB
ajfti-5168	371	12	to	to	ADP
ajfti-5168	371	13	evolving	evolve	VERB
ajfti-5168	371	14	financial	financial	ADJ
ajfti-5168	371	15	threats	threat	NOUN
ajfti-5168	371	16	.	.	PUNCT
ajfti-5168	372	1	international	international	ADJ
ajfti-5168	372	2	research	research	PROPN
ajfti-5168	372	3	journal	journal	PROPN
ajfti-5168	372	4	of	of	ADP
ajfti-5168	372	5	modernization	modernization	NOUN
ajfti-5168	372	6	in	in	ADP
ajfti-5168	372	7	engineering	engineering	NOUN
ajfti-5168	372	8	technology	technology	NOUN
ajfti-5168	372	9	and	and	CCONJ
ajfti-5168	372	10	science	science	NOUN
ajfti-5168	372	11	,	,	PUNCT
ajfti-5168	372	12	6(9	6(9	NUM
ajfti-5168	372	13	)	)	PUNCT
ajfti-5168	372	14	.	.	PUNCT
ajfti-5168	373	1	https://doi	https://doi	X
ajfti-5168	373	2	.	.	PUNCT
ajfti-5168	373	3	org/10.56726	org/10.56726	NOUN
ajfti-5168	373	4	/	/	SYM
ajfti-5168	373	5	irjmets61738	irjmets61738	NOUN
ajfti-5168	373	6	islam	islam	PROPN
ajfti-5168	373	7	,	,	PUNCT
ajfti-5168	373	8	s.	s.	PROPN
ajfti-5168	373	9	,	,	PUNCT
ajfti-5168	373	10	gupta	gupta	PROPN
ajfti-5168	373	11	,	,	PUNCT
ajfti-5168	373	12	g.	g.	PROPN
ajfti-5168	373	13	r.	r.	PROPN
ajfti-5168	373	14	,	,	PUNCT
ajfti-5168	373	15	chakraborty	chakraborty	PROPN
ajfti-5168	373	16	,	,	PUNCT
ajfti-5168	373	17	a.	a.	PROPN
ajfti-5168	373	18	,	,	PUNCT
ajfti-5168	373	19	singh	singh	PROPN
ajfti-5168	373	20	,	,	PUNCT
ajfti-5168	373	21	s.	s.	PROPN
ajfti-5168	373	22	,	,	PUNCT
ajfti-5168	373	23	soni	soni	PROPN
ajfti-5168	373	24	,	,	PUNCT
ajfti-5168	373	25	a.	a.	PROPN
ajfti-5168	373	26	,	,	PUNCT
ajfti-5168	373	27	&	&	CCONJ
ajfti-5168	373	28	patle	patle	NOUN
ajfti-5168	373	29	,	,	PUNCT
ajfti-5168	373	30	c.	c.	PROPN
ajfti-5168	373	31	(	(	PUNCT
ajfti-5168	373	32	2025	2025	NUM
ajfti-5168	373	33	)	)	PUNCT
ajfti-5168	373	34	.	.	PUNCT
ajfti-5168	374	1	detecting	detect	VERB
ajfti-5168	374	2	fraudulent	fraudulent	ADJ
ajfti-5168	374	3	transactions	transaction	NOUN
ajfti-5168	374	4	for	for	ADP
ajfti-5168	374	5	different	different	ADJ
ajfti-5168	374	6	patterns	pattern	NOUN
ajfti-5168	374	7	in	in	ADP
ajfti-5168	374	8	financial	financial	ADJ
ajfti-5168	374	9	networks	network	NOUN
ajfti-5168	374	10	using	use	VERB
ajfti-5168	374	11	layer	layer	NOUN
ajfti-5168	374	12	weighted	weight	VERB
ajfti-5168	374	13	gcn	gcn	NOUN
ajfti-5168	374	14	.	.	PUNCT
ajfti-5168	375	1	human	human	ADJ
ajfti-5168	375	2	-	-	PUNCT
ajfti-5168	375	3	centric	centric	ADJ
ajfti-5168	375	4	intelligent	intelligent	ADJ
ajfti-5168	375	5	systems	system	NOUN
ajfti-5168	375	6	.	.	PUNCT
ajfti-5168	376	1	https://doi.org/10.1007/s44230-025-00097-3	https://doi.org/10.1007/s44230-025-00097-3	NUM
ajfti-5168	376	2	ismaeil	ismaeil	NOUN
ajfti-5168	376	3	,	,	PUNCT
ajfti-5168	376	4	m.	m.	PROPN
ajfti-5168	376	5	k.	k.	PROPN
ajfti-5168	376	6	a.	a.	PROPN
ajfti-5168	376	7	(	(	PUNCT
ajfti-5168	376	8	2024	2024	NUM
ajfti-5168	376	9	)	)	PUNCT
ajfti-5168	376	10	.	.	PUNCT
ajfti-5168	377	1	harnessing	harness	VERB
ajfti-5168	377	2	ai	ai	VERB
ajfti-5168	377	3	for	for	ADP
ajfti-5168	377	4	nextgeneration	nextgeneration	NOUN
ajfti-5168	377	5	financial	financial	PROPN
ajfti-5168	377	6	fraud	fraud	NOUN
ajfti-5168	377	7	detection	detection	PROPN
ajfti-5168	377	8	:	:	PUNCT
ajfti-5168	377	9	a	a	DET
ajfti-5168	377	10	data	data	NOUN
ajfti-5168	377	11	-	-	PUNCT
ajfti-5168	377	12	driven	drive	VERB
ajfti-5168	377	13	revolution	revolution	NOUN
ajfti-5168	377	14	.	.	PUNCT
ajfti-5168	378	1	journal	journal	PROPN
ajfti-5168	378	2	of	of	ADP
ajfti-5168	378	3	ecohumanism	ecohumanism	NOUN
ajfti-5168	378	4	,	,	PUNCT
ajfti-5168	378	5	3(7	3(7	NUM
ajfti-5168	378	6	)	)	PUNCT
ajfti-5168	378	7	,	,	PUNCT
ajfti-5168	378	8	811–821	811–821	NUM
ajfti-5168	378	9	.	.	PUNCT
ajfti-5168	379	1	https://doi.org/10.62754/joe.v3i7.4248	https://doi.org/10.62754/joe.v3i7.4248	PROPN
ajfti-5168	379	2	iwedi	iwedi	PROPN
ajfti-5168	379	3	,	,	PUNCT
ajfti-5168	379	4	m.	m.	NOUN
ajfti-5168	379	5	(	(	PUNCT
ajfti-5168	379	6	2024	2024	NUM
ajfti-5168	379	7	)	)	PUNCT
ajfti-5168	379	8	.	.	PUNCT
ajfti-5168	380	1	digital	digital	ADJ
ajfti-5168	380	2	finance	finance	NOUN
ajfti-5168	380	3	infrastructure	infrastructure	NOUN
ajfti-5168	380	4	and	and	CCONJ
ajfti-5168	380	5	growth	growth	NOUN
ajfti-5168	380	6	of	of	ADP
ajfti-5168	380	7	commercial	commercial	ADJ
ajfti-5168	380	8	banking	banking	NOUN
ajfti-5168	380	9	firms	firm	NOUN
ajfti-5168	380	10	in	in	ADP
ajfti-5168	380	11	nigeria	nigeria	PROPN
ajfti-5168	380	12	.	.	PUNCT
ajfti-5168	381	1	discover	discover	VERB
ajfti-5168	381	2	analytics	analytic	NOUN
ajfti-5168	381	3	,	,	PUNCT
ajfti-5168	381	4	2(1	2(1	NUM
ajfti-5168	381	5	)	)	PUNCT
ajfti-5168	381	6	.	.	PUNCT
ajfti-5168	382	1	https://doi.org/10.1007/	https://doi.org/10.1007/	PROPN
ajfti-5168	382	2	s44257	s44257	PROPN
ajfti-5168	382	3	-	-	PUNCT
ajfti-5168	382	4	024	024	NUM
ajfti-5168	382	5	-	-	PUNCT
ajfti-5168	382	6	00022	00022	NUM
ajfti-5168	382	7	-	-	SYM
ajfti-5168	382	8	1	1	NUM
ajfti-5168	382	9	javaid	javaid	NOUN
ajfti-5168	382	10	,	,	PUNCT
ajfti-5168	382	11	m.	m.	NOUN
ajfti-5168	382	12	,	,	PUNCT
ajfti-5168	382	13	haleem	haleem	PROPN
ajfti-5168	382	14	,	,	PUNCT
ajfti-5168	382	15	a.	a.	PROPN
ajfti-5168	382	16	,	,	PUNCT
ajfti-5168	382	17	singh	singh	PROPN
ajfti-5168	382	18	,	,	PUNCT
ajfti-5168	382	19	r.	r.	PROPN
ajfti-5168	382	20	p.	p.	PROPN
ajfti-5168	382	21	,	,	PUNCT
ajfti-5168	382	22	suman	suman	PROPN
ajfti-5168	382	23	,	,	PUNCT
ajfti-5168	382	24	r.	r.	PROPN
ajfti-5168	382	25	,	,	PUNCT
ajfti-5168	382	26	&	&	CCONJ
ajfti-5168	382	27	khan	khan	PROPN
ajfti-5168	382	28	,	,	PUNCT
ajfti-5168	382	29	s.	s.	PROPN
ajfti-5168	382	30	(	(	PUNCT
ajfti-5168	382	31	2022	2022	NUM
ajfti-5168	382	32	)	)	PUNCT
ajfti-5168	382	33	.	.	PUNCT
ajfti-5168	383	1	a	a	DET
ajfti-5168	383	2	review	review	NOUN
ajfti-5168	383	3	of	of	ADP
ajfti-5168	383	4	blockchain	blockchain	PROPN
ajfti-5168	383	5	technology	technology	PROPN
ajfti-5168	383	6	applications	application	NOUN
ajfti-5168	383	7	for	for	ADP
ajfti-5168	383	8	financial	financial	ADJ
ajfti-5168	383	9	services	service	NOUN
ajfti-5168	383	10	.	.	PUNCT
ajfti-5168	384	1	benchcouncil	benchcouncil	NOUN
ajfti-5168	384	2	transactions	transaction	NOUN
ajfti-5168	384	3	on	on	ADP
ajfti-5168	384	4	benchmarks	benchmark	NOUN
ajfti-5168	384	5	,	,	PUNCT
ajfti-5168	384	6	standards	standard	NOUN
ajfti-5168	384	7	and	and	CCONJ
ajfti-5168	384	8	evaluations	evaluation	NOUN
ajfti-5168	384	9	,	,	PUNCT
ajfti-5168	384	10	2(3	2(3	NUM
ajfti-5168	384	11	)	)	PUNCT
ajfti-5168	384	12	,	,	PUNCT
ajfti-5168	384	13	100073	100073	NUM
ajfti-5168	384	14	.	.	PUNCT
ajfti-5168	385	1	https://doi.org/10.1016/j.tbench.2022.100073	https://doi.org/10.1016/j.tbench.2022.100073	NOUN
ajfti-5168	385	2	johora	johora	PROPN
ajfti-5168	385	3	,	,	PUNCT
ajfti-5168	385	4	f.	f.	PROPN
ajfti-5168	385	5	t.	t.	PROPN
ajfti-5168	385	6	,	,	PUNCT
ajfti-5168	385	7	hasan	hasan	PROPN
ajfti-5168	385	8	,	,	PUNCT
ajfti-5168	385	9	r.	r.	PROPN
ajfti-5168	385	10	,	,	PUNCT
ajfti-5168	385	11	farabi	farabi	PROPN
ajfti-5168	385	12	,	,	PUNCT
ajfti-5168	385	13	s.	s.	PROPN
ajfti-5168	385	14	f.	f.	PROPN
ajfti-5168	385	15	,	,	PUNCT
ajfti-5168	385	16	akter	akter	PROPN
ajfti-5168	385	17	,	,	PUNCT
ajfti-5168	385	18	j.	j.	PROPN
ajfti-5168	385	19	,	,	PUNCT
ajfti-5168	385	20	&	&	CCONJ
ajfti-5168	385	21	mahmud	mahmud	PROPN
ajfti-5168	385	22	,	,	PUNCT
ajfti-5168	385	23	m.	m.	NOUN
ajfti-5168	385	24	a.	a.	NOUN
ajfti-5168	385	25	a.	a.	PROPN
ajfti-5168	385	26	(	(	PUNCT
ajfti-5168	385	27	2024	2024	NUM
ajfti-5168	385	28	)	)	PUNCT
ajfti-5168	385	29	.	.	PUNCT
ajfti-5168	386	1	ai	ai	VERB
ajfti-5168	386	2	-	-	PUNCT
ajfti-5168	386	3	powered	power	VERB
ajfti-5168	386	4	fraud	fraud	NOUN
ajfti-5168	386	5	detection	detection	NOUN
ajfti-5168	386	6	in	in	ADP
ajfti-5168	386	7	banking	banking	NOUN
ajfti-5168	386	8	:	:	PUNCT
ajfti-5168	386	9	safeguarding	safeguard	VERB
ajfti-5168	386	10	financial	financial	ADJ
ajfti-5168	386	11	transactions	transaction	NOUN
ajfti-5168	386	12	.	.	PUNCT
ajfti-5168	387	1	the	the	DET
ajfti-5168	387	2	american	american	PROPN
ajfti-5168	387	3	journal	journal	PROPN
ajfti-5168	387	4	of	of	ADP
ajfti-5168	387	5	management	management	NOUN
ajfti-5168	387	6	and	and	CCONJ
ajfti-5168	387	7	economics	economic	NOUN
ajfti-5168	387	8	innovations	innovation	NOUN
ajfti-5168	387	9	,	,	PUNCT
ajfti-5168	387	10	6(06	6(06	NUM
ajfti-5168	387	11	)	)	PUNCT
ajfti-5168	387	12	,	,	PUNCT
ajfti-5168	387	13	8	8	NUM
ajfti-5168	387	14	-	-	SYM
ajfti-5168	387	15	22	22	NUM
ajfti-5168	387	16	.	.	PUNCT
ajfti-5168	388	1	khan	khan	PROPN
ajfti-5168	388	2	,	,	PUNCT
ajfti-5168	388	3	a.	a.	NOUN
ajfti-5168	388	4	a.	a.	PROPN
ajfti-5168	388	5	,	,	PUNCT
ajfti-5168	388	6	chaudhari	chaudhari	PROPN
ajfti-5168	388	7	,	,	PUNCT
ajfti-5168	388	8	o.	o.	PROPN
ajfti-5168	388	9	,	,	PUNCT
ajfti-5168	388	10	&	&	CCONJ
ajfti-5168	388	11	chandra	chandra	PROPN
ajfti-5168	388	12	,	,	PUNCT
ajfti-5168	388	13	r.	r.	PROPN
ajfti-5168	388	14	(	(	PUNCT
ajfti-5168	388	15	2023	2023	NUM
ajfti-5168	388	16	)	)	PUNCT
ajfti-5168	388	17	.	.	PUNCT
ajfti-5168	389	1	a	a	DET
ajfti-5168	389	2	review	review	NOUN
ajfti-5168	389	3	of	of	ADP
ajfti-5168	389	4	ensemble	ensemble	ADJ
ajfti-5168	389	5	learning	learning	NOUN
ajfti-5168	389	6	and	and	CCONJ
ajfti-5168	389	7	data	datum	NOUN
ajfti-5168	389	8	augmentation	augmentation	NOUN
ajfti-5168	389	9	models	model	NOUN
ajfti-5168	389	10	for	for	ADP
ajfti-5168	389	11	class	class	NOUN
ajfti-5168	389	12	imbalanced	imbalanced	ADJ
ajfti-5168	389	13	problems	problem	NOUN
ajfti-5168	389	14	:	:	PUNCT
ajfti-5168	389	15	combination	combination	NOUN
ajfti-5168	389	16	,	,	PUNCT
ajfti-5168	389	17	implementation	implementation	NOUN
ajfti-5168	389	18	and	and	CCONJ
ajfti-5168	389	19	evaluation	evaluation	NOUN
ajfti-5168	389	20	.	.	PUNCT
ajfti-5168	390	1	expert	expert	NOUN
ajfti-5168	390	2	systems	system	NOUN
ajfti-5168	390	3	with	with	ADP
ajfti-5168	390	4	applications	application	NOUN
ajfti-5168	390	5	,	,	PUNCT
ajfti-5168	390	6	244	244	NUM
ajfti-5168	390	7	,	,	PUNCT
ajfti-5168	390	8	122778	122778	NUM
ajfti-5168	390	9	.	.	PUNCT
ajfti-5168	391	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
ajfti-5168	391	2	.	.	PUNCT
ajfti-5168	392	1	eswa.2023.122778	eswa.2023.122778	ADJ
ajfti-5168	392	2	khando	khando	NOUN
ajfti-5168	392	3	,	,	PUNCT
ajfti-5168	392	4	k.	k.	PROPN
ajfti-5168	392	5	,	,	PUNCT
ajfti-5168	392	6	islam	islam	PROPN
ajfti-5168	392	7	,	,	PUNCT
ajfti-5168	392	8	m.	m.	NOUN
ajfti-5168	392	9	s.	s.	PROPN
ajfti-5168	392	10	,	,	PUNCT
ajfti-5168	392	11	&	&	CCONJ
ajfti-5168	392	12	gao	gao	PROPN
ajfti-5168	392	13	,	,	PUNCT
ajfti-5168	392	14	s.	s.	PROPN
ajfti-5168	392	15	(	(	PUNCT
ajfti-5168	392	16	2022	2022	NUM
ajfti-5168	392	17	)	)	PUNCT
ajfti-5168	392	18	.	.	PUNCT
ajfti-5168	393	1	the	the	DET
ajfti-5168	393	2	emerging	emerge	VERB
ajfti-5168	393	3	technologies	technology	NOUN
ajfti-5168	393	4	of	of	ADP
ajfti-5168	393	5	digital	digital	ADJ
ajfti-5168	393	6	payments	payment	NOUN
ajfti-5168	393	7	and	and	CCONJ
ajfti-5168	393	8	associated	associated	ADJ
ajfti-5168	393	9	challenges	challenge	NOUN
ajfti-5168	393	10	:	:	PUNCT
ajfti-5168	393	11	a	a	DET
ajfti-5168	393	12	systematic	systematic	ADJ
ajfti-5168	393	13	literature	literature	NOUN
ajfti-5168	393	14	review	review	NOUN
ajfti-5168	393	15	.	.	PUNCT
ajfti-5168	394	1	future	future	ADJ
ajfti-5168	394	2	internet	internet	NOUN
ajfti-5168	394	3	,	,	PUNCT
ajfti-5168	394	4	15(1	15(1	NUM
ajfti-5168	394	5	)	)	PUNCT
ajfti-5168	394	6	,	,	PUNCT
ajfti-5168	394	7	21	21	NUM
ajfti-5168	394	8	.	.	PUNCT
ajfti-5168	395	1	https://doi.org/10.3390/	https://doi.org/10.3390/	PROPN
ajfti-5168	395	2	fi15010021	fi15010021	PROPN
ajfti-5168	395	3	khodabandehlou	khodabandehlou	PROPN
ajfti-5168	395	4	,	,	PUNCT
ajfti-5168	395	5	s.	s.	PROPN
ajfti-5168	395	6	,	,	PUNCT
ajfti-5168	395	7	golpayegani	golpayegani	PROPN
ajfti-5168	395	8	,	,	PUNCT
ajfti-5168	395	9	a.	a.	PROPN
ajfti-5168	395	10	h.	h.	PROPN
ajfti-5168	395	11	,	,	PUNCT
ajfti-5168	395	12	&	&	CCONJ
ajfti-5168	395	13	fifrau	fifrau	PROPN
ajfti-5168	395	14	,	,	PUNCT
ajfti-5168	395	15	d.	d.	PROPN
ajfti-5168	395	16	(	(	PUNCT
ajfti-5168	395	17	2024	2024	NUM
ajfti-5168	395	18	)	)	PUNCT
ajfti-5168	395	19	.	.	PUNCT
ajfti-5168	396	1	unsupervised	unsupervised	ADJ
ajfti-5168	396	2	financial	financial	ADJ
ajfti-5168	396	3	fraud	fraud	NOUN
ajfti-5168	396	4	detection	detection	NOUN
ajfti-5168	396	5	in	in	ADP
ajfti-5168	396	6	dynamic	dynamic	ADJ
ajfti-5168	396	7	graph	graph	NOUN
ajfti-5168	396	8	streams	stream	NOUN
ajfti-5168	396	9	.	.	PUNCT
ajfti-5168	397	1	acm	acm	NOUN
ajfti-5168	397	2	transactions	transaction	NOUN
ajfti-5168	397	3	on	on	ADP
ajfti-5168	397	4	knowledge	knowledge	NOUN
ajfti-5168	397	5	discovery	discovery	NOUN
ajfti-5168	397	6	from	from	ADP
ajfti-5168	397	7	data	data	PROPN
ajfti-5168	397	8	,	,	PUNCT
ajfti-5168	397	9	27(5	27(5	PROPN
ajfti-5168	397	10	)	)	PUNCT
ajfti-5168	397	11	,	,	PUNCT
ajfti-5168	397	12	1	1	NUM
ajfti-5168	397	13	-	-	SYM
ajfti-5168	397	14	29	29	NUM
ajfti-5168	397	15	.	.	PUNCT
ajfti-5168	398	1	kipngetich	kipngetich	PROPN
ajfti-5168	398	2	,	,	PUNCT
ajfti-5168	398	3	a.	a.	NOUN
ajfti-5168	398	4	(	(	PUNCT
ajfti-5168	398	5	2025	2025	NUM
ajfti-5168	398	6	)	)	PUNCT
ajfti-5168	398	7	.	.	PUNCT
ajfti-5168	399	1	a	a	DET
ajfti-5168	399	2	review	review	NOUN
ajfti-5168	399	3	of	of	ADP
ajfti-5168	399	4	online	online	ADJ
ajfti-5168	399	5	scams	scam	NOUN
ajfti-5168	399	6	and	and	CCONJ
ajfti-5168	399	7	financial	financial	ADJ
ajfti-5168	399	8	frauds	fraud	NOUN
ajfti-5168	399	9	in	in	ADP
ajfti-5168	399	10	the	the	DET
ajfti-5168	399	11	digital	digital	ADJ
ajfti-5168	399	12	age	age	NOUN
ajfti-5168	399	13	.	.	PUNCT
ajfti-5168	400	1	gsc	gsc	PROPN
ajfti-5168	400	2	advanced	advanced	ADJ
ajfti-5168	400	3	research	research	NOUN
ajfti-5168	400	4	and	and	CCONJ
ajfti-5168	400	5	reviews	review	NOUN
ajfti-5168	400	6	,	,	PUNCT
ajfti-5168	400	7	22(01	22(01	NUM
ajfti-5168	400	8	)	)	PUNCT
ajfti-5168	400	9	,	,	PUNCT
ajfti-5168	400	10	302	302	NUM
ajfti-5168	400	11	-	-	SYM
ajfti-5168	400	12	329	329	NUM
ajfti-5168	400	13	.	.	PUNCT
ajfti-5168	401	1	li	li	PROPN
ajfti-5168	401	2	,	,	PUNCT
ajfti-5168	401	3	x.	x.	PROPN
ajfti-5168	401	4	,	,	PUNCT
ajfti-5168	401	5	huang	huang	PROPN
ajfti-5168	401	6	,	,	PUNCT
ajfti-5168	401	7	j.	j.	PROPN
ajfti-5168	401	8	,	,	PUNCT
ajfti-5168	401	9	chen	chen	PROPN
ajfti-5168	401	10	,	,	PUNCT
ajfti-5168	401	11	c.	c.	PROPN
ajfti-5168	401	12	,	,	PUNCT
ajfti-5168	401	13	&	&	CCONJ
ajfti-5168	401	14	zhang	zhang	PROPN
ajfti-5168	401	15	,	,	PUNCT
ajfti-5168	401	16	y.	y.	PROPN
ajfti-5168	401	17	(	(	PUNCT
ajfti-5168	401	18	2020	2020	NUM
ajfti-5168	401	19	)	)	PUNCT
ajfti-5168	401	20	.	.	PUNCT
ajfti-5168	402	1	credit	credit	NOUN
ajfti-5168	402	2	card	card	NOUN
ajfti-5168	402	3	fraud	fraud	NOUN
ajfti-5168	402	4	detection	detection	NOUN
ajfti-5168	402	5	using	use	VERB
ajfti-5168	402	6	machine	machine	NOUN
ajfti-5168	402	7	learning	learning	NOUN
ajfti-5168	402	8	:	:	PUNCT
ajfti-5168	402	9	a	a	DET
ajfti-5168	402	10	systematic	systematic	ADJ
ajfti-5168	402	11	literature	literature	NOUN
ajfti-5168	402	12	review	review	NOUN
ajfti-5168	402	13	.	.	PUNCT
ajfti-5168	403	1	expert	expert	NOUN
ajfti-5168	403	2	systems	system	NOUN
ajfti-5168	403	3	with	with	ADP
ajfti-5168	403	4	applications	application	NOUN
ajfti-5168	403	5	,	,	PUNCT
ajfti-5168	403	6	164	164	NUM
ajfti-5168	403	7	,	,	PUNCT
ajfti-5168	403	8	113909	113909	NUM
ajfti-5168	403	9	.	.	PUNCT
ajfti-5168	404	1	mallesha	mallesha	PROPN
ajfti-5168	404	2	,	,	PUNCT
ajfti-5168	404	3	c.	c.	PROPN
ajfti-5168	404	4	,	,	PUNCT
ajfti-5168	404	5	&	&	CCONJ
ajfti-5168	404	6	hymavathi	hymavathi	PROPN
ajfti-5168	404	7	,	,	PUNCT
ajfti-5168	404	8	m.	m.	NOUN
ajfti-5168	404	9	(	(	PUNCT
ajfti-5168	404	10	2024	2024	NUM
ajfti-5168	404	11	)	)	PUNCT
ajfti-5168	404	12	.	.	PUNCT
ajfti-5168	405	1	a	a	DET
ajfti-5168	405	2	review	review	NOUN
ajfti-5168	405	3	on	on	ADP
ajfti-5168	405	4	ai	ai	NOUN
ajfti-5168	405	5	and	and	CCONJ
ajfti-5168	405	6	fraud	fraud	VERB
ajfti-5168	405	7	detection	detection	NOUN
ajfti-5168	405	8	in	in	ADP
ajfti-5168	405	9	accounting	accounting	NOUN
ajfti-5168	405	10	:	:	PUNCT
ajfti-5168	405	11	reducing	reduce	VERB
ajfti-5168	405	12	risks	risk	NOUN
ajfti-5168	405	13	and	and	CCONJ
ajfti-5168	405	14	enhancing	enhance	VERB
ajfti-5168	405	15	financial	financial	ADJ
ajfti-5168	405	16	security	security	NOUN
ajfti-5168	405	17	.	.	PUNCT
ajfti-5168	406	1	academy	academy	NOUN
ajfti-5168	406	2	of	of	ADP
ajfti-5168	406	3	accounting	accounting	PROPN
ajfti-5168	406	4	and	and	CCONJ
ajfti-5168	406	5	financial	financial	ADJ
ajfti-5168	406	6	studies	study	NOUN
ajfti-5168	406	7	journal	journal	NOUN
ajfti-5168	406	8	,	,	PUNCT
ajfti-5168	406	9	28(2	28(2	NUM
ajfti-5168	406	10	)	)	PUNCT
ajfti-5168	406	11	,	,	PUNCT
ajfti-5168	406	12	1	1	NUM
ajfti-5168	406	13	-	-	SYM
ajfti-5168	406	14	18	18	NUM
ajfti-5168	406	15	.	.	PUNCT
ajfti-5168	407	1	mejia	mejia	PROPN
ajfti-5168	407	2	,	,	PUNCT
ajfti-5168	407	3	n.	n.	PROPN
ajfti-5168	407	4	(	(	PUNCT
ajfti-5168	407	5	2019	2019	NUM
ajfti-5168	407	6	)	)	PUNCT
ajfti-5168	407	7	.	.	PUNCT
ajfti-5168	408	1	artificial	artificial	ADJ
ajfti-5168	408	2	intelligence	intelligence	NOUN
ajfti-5168	408	3	at	at	ADP
ajfti-5168	408	4	citibank	citibank	PROPN
ajfti-5168	408	5	current	current	ADJ
ajfti-5168	408	6	initiatives	initiative	NOUN
ajfti-5168	408	7	.	.	PUNCT
ajfti-5168	409	1	emerj	emerj	VERB
ajfti-5168	409	2	artificial	artificial	ADJ
ajfti-5168	409	3	intelligence	intelligence	NOUN
ajfti-5168	409	4	research	research	NOUN
ajfti-5168	409	5	.	.	PUNCT
ajfti-5168	410	1	https://emerj.com/ai-at-citi/	https://emerj.com/ai-at-citi/	PROPN
ajfti-5168	410	2	metha	metha	PROPN
ajfti-5168	410	3	,	,	PUNCT
ajfti-5168	410	4	s.	s.	PROPN
ajfti-5168	410	5	(	(	PUNCT
ajfti-5168	410	6	2025	2025	NUM
ajfti-5168	410	7	)	)	PUNCT
ajfti-5168	410	8	.	.	PUNCT
ajfti-5168	411	1	ai	ai	VERB
ajfti-5168	411	2	-	-	PUNCT
ajfti-5168	411	3	driven	drive	VERB
ajfti-5168	411	4	fraud	fraud	NOUN
ajfti-5168	411	5	detection	detection	NOUN
ajfti-5168	411	6	:	:	PUNCT
ajfti-5168	411	7	a	a	DET
ajfti-5168	411	8	risk	risk	NOUN
ajfti-5168	411	9	scoring	scoring	NOUN
ajfti-5168	411	10	model	model	NOUN
ajfti-5168	411	11	for	for	ADP
ajfti-5168	411	12	enhanced	enhanced	ADJ
ajfti-5168	411	13	security	security	NOUN
ajfti-5168	411	14	in	in	ADP
ajfti-5168	411	15	banking	banking	NOUN
ajfti-5168	411	16	.	.	PUNCT
ajfti-5168	412	1	journal	journal	PROPN
ajfti-5168	412	2	of	of	ADP
ajfti-5168	412	3	engineering	engineering	NOUN
ajfti-5168	412	4	research	research	NOUN
ajfti-5168	412	5	and	and	CCONJ
ajfti-5168	412	6	reports	report	NOUN
ajfti-5168	412	7	,	,	PUNCT
ajfti-5168	412	8	27(3	27(3	NUM
ajfti-5168	412	9	)	)	PUNCT
ajfti-5168	412	10	,	,	PUNCT
ajfti-5168	412	11	23–34	23–34	NUM
ajfti-5168	412	12	.	.	PUNCT
ajfti-5168	413	1	https://	https://	PROPN
ajfti-5168	413	2	doi.org/10.9734/jerr/2025/v27i31415	doi.org/10.9734/jerr/2025/v27i31415	PROPN
ajfti-5168	413	3	mienye	mienye	NOUN
ajfti-5168	413	4	,	,	PUNCT
ajfti-5168	413	5	i.	i.	PROPN
ajfti-5168	413	6	d.	d.	PROPN
ajfti-5168	413	7	,	,	PUNCT
ajfti-5168	413	8	swart	swart	PROPN
ajfti-5168	413	9	,	,	PUNCT
ajfti-5168	413	10	t.	t.	PROPN
ajfti-5168	413	11	g.	g.	PROPN
ajfti-5168	413	12	,	,	PUNCT
ajfti-5168	413	13	&	&	CCONJ
ajfti-5168	413	14	obaido	obaido	PROPN
ajfti-5168	413	15	,	,	PUNCT
ajfti-5168	413	16	g.	g.	PROPN
ajfti-5168	413	17	(	(	PUNCT
ajfti-5168	413	18	2024	2024	NUM
ajfti-5168	413	19	)	)	PUNCT
ajfti-5168	413	20	.	.	PUNCT
ajfti-5168	414	1	recurrent	recurrent	ADJ
ajfti-5168	414	2	neural	neural	ADJ
ajfti-5168	414	3	networks	network	NOUN
ajfti-5168	414	4	:	:	PUNCT
ajfti-5168	414	5	a	a	DET
ajfti-5168	414	6	comprehensive	comprehensive	ADJ
ajfti-5168	414	7	review	review	NOUN
ajfti-5168	414	8	of	of	ADP
ajfti-5168	414	9	architectures	architecture	NOUN
ajfti-5168	414	10	,	,	PUNCT
ajfti-5168	414	11	variants	variant	NOUN
ajfti-5168	414	12	,	,	PUNCT
ajfti-5168	414	13	and	and	CCONJ
ajfti-5168	414	14	applications	application	NOUN
ajfti-5168	414	15	.	.	PUNCT
ajfti-5168	415	1	information	information	NOUN
ajfti-5168	415	2	,	,	PUNCT
ajfti-5168	415	3	15(9	15(9	NUM
ajfti-5168	415	4	)	)	PUNCT
ajfti-5168	415	5	,	,	PUNCT
ajfti-5168	415	6	517	517	NUM
ajfti-5168	415	7	.	.	PUNCT
ajfti-5168	416	1	https://doi.org/10.3390/info15090517	https://doi.org/10.3390/info15090517	PROPN
ajfti-5168	416	2	mohmmed	mohmme	VERB
ajfti-5168	416	3	,	,	PUNCT
ajfti-5168	416	4	a.	a.	NOUN
ajfti-5168	416	5	a.	a.	PROPN
ajfti-5168	416	6	,	,	PUNCT
ajfti-5168	416	7	rahma	rahma	PROPN
ajfti-5168	416	8	,	,	PUNCT
ajfti-5168	416	9	a.	a.	PROPN
ajfti-5168	416	10	m.	m.	PROPN
ajfti-5168	416	11	s.	s.	PROPN
ajfti-5168	416	12	,	,	PUNCT
ajfti-5168	416	13	&	&	CCONJ
ajfti-5168	416	14	abdulwahab	abdulwahab	PROPN
ajfti-5168	416	15	,	,	PUNCT
ajfti-5168	416	16	h.	h.	PROPN
ajfti-5168	416	17	b.	b.	PROPN
ajfti-5168	417	1	(	(	PUNCT
ajfti-5168	417	2	2024	2024	NUM
ajfti-5168	417	3	)	)	PUNCT
ajfti-5168	417	4	.	.	PUNCT
ajfti-5168	418	1	digital	digital	ADJ
ajfti-5168	418	2	wallets	wallet	NOUN
ajfti-5168	418	3	evolution	evolution	NOUN
ajfti-5168	418	4	:	:	PUNCT
ajfti-5168	418	5	navigating	navigate	VERB
ajfti-5168	418	6	challenges	challenge	NOUN
ajfti-5168	418	7	,	,	PUNCT
ajfti-5168	418	8	innovation	innovation	NOUN
ajfti-5168	418	9	and	and	CCONJ
ajfti-5168	418	10	the	the	DET
ajfti-5168	418	11	future	future	ADJ
ajfti-5168	418	12	landscape	landscape	NOUN
ajfti-5168	418	13	.	.	PUNCT
ajfti-5168	419	1	al	al	PROPN
ajfti-5168	419	2	-	-	PUNCT
ajfti-5168	419	3	qadisiyah	qadisiyah	PROPN
ajfti-5168	419	4	journal	journal	NOUN
ajfti-5168	419	5	of	of	ADP
ajfti-5168	419	6	pure	pure	ADJ
ajfti-5168	419	7	science	science	NOUN
ajfti-5168	419	8	,	,	PUNCT
ajfti-5168	419	9	29(1	29(1	NUM
ajfti-5168	419	10	)	)	PUNCT
ajfti-5168	419	11	,	,	PUNCT
ajfti-5168	419	12	article	article	NOUN
ajfti-5168	419	13	4	4	NUM
ajfti-5168	419	14	.	.	PUNCT
ajfti-5168	420	1	https://doi.org/10.29350/2411-3514.1248	https://doi.org/10.29350/2411-3514.1248	PROPN
ajfti-5168	420	2	muthunambu	muthunambu	PROPN
ajfti-5168	420	3	,	,	PUNCT
ajfti-5168	420	4	n.	n.	PROPN
ajfti-5168	420	5	k.	k.	PROPN
ajfti-5168	420	6	,	,	PUNCT
ajfti-5168	420	7	prabakaran	prabakaran	PROPN
ajfti-5168	420	8	,	,	PUNCT
ajfti-5168	420	9	s.	s.	PROPN
ajfti-5168	420	10	,	,	PUNCT
ajfti-5168	420	11	kavin	kavin	PROPN
ajfti-5168	420	12	,	,	PUNCT
ajfti-5168	420	13	b.	b.	PROPN
ajfti-5168	420	14	p.	p.	PROPN
ajfti-5168	420	15	,	,	PUNCT
ajfti-5168	420	16	siruvangur	siruvangur	PROPN
ajfti-5168	420	17	,	,	PUNCT
ajfti-5168	420	18	k.	k.	PROPN
ajfti-5168	420	19	s.	s.	PROPN
ajfti-5168	420	20	,	,	PUNCT
ajfti-5168	420	21	chinnadurai	chinnadurai	PROPN
ajfti-5168	420	22	,	,	PUNCT
ajfti-5168	420	23	k.	k.	PROPN
ajfti-5168	420	24	,	,	PUNCT
ajfti-5168	420	25	&	&	CCONJ
ajfti-5168	420	26	ali	ali	PROPN
ajfti-5168	420	27	,	,	PUNCT
ajfti-5168	420	28	j.	j.	PROPN
ajfti-5168	420	29	(	(	PUNCT
ajfti-5168	420	30	2024	2024	NUM
ajfti-5168	420	31	)	)	PUNCT
ajfti-5168	420	32	.	.	PUNCT
ajfti-5168	421	1	a	a	DET
ajfti-5168	421	2	novel	novel	ADJ
ajfti-5168	421	3	eccentric	eccentric	ADJ
ajfti-5168	421	4	intrusion	intrusion	NOUN
ajfti-5168	421	5	detection	detection	NOUN
ajfti-5168	421	6	model	model	NOUN
ajfti-5168	421	7	based	base	VERB
ajfti-5168	421	8	on	on	ADP
ajfti-5168	421	9	recurrent	recurrent	ADJ
ajfti-5168	421	10	neural	neural	ADJ
ajfti-5168	421	11	networks	network	NOUN
ajfti-5168	421	12	with	with	ADP
ajfti-5168	421	13	leveraging	leverage	VERB
ajfti-5168	421	14	lstm	lstm	NOUN
ajfti-5168	421	15	.	.	PUNCT
ajfti-5168	422	1	computers	computer	NOUN
ajfti-5168	422	2	,	,	PUNCT
ajfti-5168	422	3	materials	material	NOUN
ajfti-5168	422	4	&	&	CCONJ
ajfti-5168	422	5	continua	continuum	NOUN
ajfti-5168	422	6	/	/	SYM
ajfti-5168	422	7	computers	computer	NOUN
ajfti-5168	422	8	,	,	PUNCT
ajfti-5168	422	9	materials	material	NOUN
ajfti-5168	422	10	&	&	CCONJ
ajfti-5168	422	11	continua	continua	PROPN
ajfti-5168	422	12	(	(	PUNCT
ajfti-5168	422	13	print	print	NOUN
ajfti-5168	422	14	)	)	PUNCT
ajfti-5168	422	15	,	,	PUNCT
ajfti-5168	422	16	78(3	78(3	NOUN
ajfti-5168	422	17	)	)	PUNCT
ajfti-5168	422	18	,	,	PUNCT
ajfti-5168	422	19	3089–3127	3089–3127	NOUN
ajfti-5168	422	20	.	.	PUNCT
ajfti-5168	423	1	https://doi.org/10.32604/cmc.2023.043172	https://doi.org/10.32604/cmc.2023.043172	NOUN
ajfti-5168	423	2	odeyemi	odeyemi	PROPN
ajfti-5168	423	3	,	,	PUNCT
ajfti-5168	423	4	o.	o.	PROPN
ajfti-5168	423	5	,	,	PUNCT
ajfti-5168	423	6	mhlongo	mhlongo	PROPN
ajfti-5168	423	7	,	,	PUNCT
ajfti-5168	423	8	n.	n.	PROPN
ajfti-5168	423	9	z.	z.	PROPN
ajfti-5168	423	10	m.	m.	PROPN
ajfti-5168	423	11	,	,	PUNCT
ajfti-5168	423	12	nwankwo	nwankwo	PROPN
ajfti-5168	423	13	,	,	PUNCT
ajfti-5168	423	14	e.	e.	PROPN
ajfti-5168	423	15	e.	e.	PROPN
ajfti-5168	423	16	,	,	PUNCT
ajfti-5168	423	17	&	&	CCONJ
ajfti-5168	423	18	soyombo	soyombo	PROPN
ajfti-5168	423	19	,	,	PUNCT
ajfti-5168	423	20	o.	o.	NOUN
ajfti-5168	423	21	t.	t.	PROPN
ajfti-5168	423	22	(	(	PUNCT
ajfti-5168	423	23	2024	2024	NUM
ajfti-5168	423	24	)	)	PUNCT
ajfti-5168	423	25	.	.	PUNCT
ajfti-5168	424	1	reviewing	review	VERB
ajfti-5168	424	2	the	the	DET
ajfti-5168	424	3	role	role	NOUN
ajfti-5168	424	4	of	of	ADP
ajfti-5168	424	5	ai	ai	VERB
ajfti-5168	424	6	in	in	ADP
ajfti-5168	424	7	fraud	fraud	NOUN
ajfti-5168	424	8	detection	detection	NOUN
ajfti-5168	424	9	and	and	CCONJ
ajfti-5168	424	10	prevention	prevention	NOUN
ajfti-5168	424	11	in	in	ADP
ajfti-5168	424	12	financial	financial	ADJ
ajfti-5168	424	13	services	service	NOUN
ajfti-5168	424	14	.	.	PUNCT
ajfti-5168	425	1	international	international	ADJ
ajfti-5168	425	2	journal	journal	PROPN
ajfti-5168	425	3	of	of	ADP
ajfti-5168	425	4	science	science	NOUN
ajfti-5168	425	5	and	and	CCONJ
ajfti-5168	425	6	research	research	NOUN
ajfti-5168	425	7	archive	archive	NOUN
ajfti-5168	425	8	,	,	PUNCT
ajfti-5168	425	9	11(01	11(01	NUM
ajfti-5168	425	10	)	)	PUNCT
ajfti-5168	425	11	,	,	PUNCT
ajfti-5168	425	12	2101–2110	2101–2110	NOUN
ajfti-5168	425	13	.	.	PUNCT
ajfti-5168	426	1	https://doi.org/10.30574/	https://doi.org/10.30574/	PROPN
ajfti-5168	426	2	ijsra.2024.11.1.0279	ijsra.2024.11.1.0279	NOUN
ajfti-5168	426	3	odufisan	odufisan	NOUN
ajfti-5168	426	4	,	,	PUNCT
ajfti-5168	426	5	o.	o.	PROPN
ajfti-5168	426	6	i.	i.	PROPN
ajfti-5168	426	7	,	,	PUNCT
ajfti-5168	426	8	abhulimen	abhuliman	NOUN
ajfti-5168	426	9	,	,	PUNCT
ajfti-5168	426	10	o.	o.	PROPN
ajfti-5168	426	11	v.	v.	PROPN
ajfti-5168	426	12	,	,	PUNCT
ajfti-5168	426	13	&	&	CCONJ
ajfti-5168	426	14	ogunti	ogunti	PROPN
ajfti-5168	426	15	,	,	PUNCT
ajfti-5168	426	16	e.	e.	PROPN
ajfti-5168	426	17	o.	o.	PROPN
ajfti-5168	426	18	(	(	PUNCT
ajfti-5168	426	19	2025	2025	NUM
ajfti-5168	426	20	)	)	PUNCT
ajfti-5168	426	21	.	.	PUNCT
ajfti-5168	427	1	harnessing	harness	VERB
ajfti-5168	427	2	artificial	artificial	ADJ
ajfti-5168	427	3	intelligence	intelligence	NOUN
ajfti-5168	427	4	and	and	CCONJ
ajfti-5168	427	5	machine	machine	NOUN
ajfti-5168	427	6	learning	learn	VERB
ajfti-5168	427	7	for	for	ADP
ajfti-5168	427	8	fraud	fraud	NOUN
ajfti-5168	427	9	detection	detection	NOUN
ajfti-5168	427	10	and	and	CCONJ
ajfti-5168	427	11	prevention	prevention	NOUN
ajfti-5168	427	12	in	in	ADP
ajfti-5168	427	13	nigeria	nigeria	PROPN
ajfti-5168	427	14	.	.	PUNCT
ajfti-5168	428	1	journal	journal	PROPN
ajfti-5168	428	2	of	of	ADP
ajfti-5168	428	3	economic	economic	ADJ
ajfti-5168	428	4	criminology	criminology	NOUN
ajfti-5168	428	5	,	,	PUNCT
ajfti-5168	428	6	100127	100127	NUM
ajfti-5168	428	7	.	.	PUNCT
ajfti-5168	429	1	https://doi	https://doi	X
ajfti-5168	429	2	.	.	PUNCT
ajfti-5168	429	3	org/10.1016	org/10.1016	PROPN
ajfti-5168	429	4	/	/	SYM
ajfti-5168	429	5	j.jeconc.2025.100127	j.jeconc.2025.100127	NOUN
ajfti-5168	429	6	oduro	oduro	NOUN
ajfti-5168	429	7	,	,	PUNCT
ajfti-5168	429	8	n.	n.	PROPN
ajfti-5168	429	9	d.	d.	PROPN
ajfti-5168	429	10	a.	a.	PROPN
ajfti-5168	429	11	,	,	PUNCT
ajfti-5168	429	12	okolo	okolo	PROPN
ajfti-5168	429	13	,	,	PUNCT
ajfti-5168	429	14	n.	n.	PROPN
ajfti-5168	429	15	j.	j.	PROPN
ajfti-5168	429	16	n.	n.	PROPN
ajfti-5168	429	17	,	,	PUNCT
ajfti-5168	429	18	bello	bello	PROPN
ajfti-5168	429	19	,	,	PUNCT
ajfti-5168	429	20	n.	n.	PROPN
ajfti-5168	429	21	a.	a.	PROPN
ajfti-5168	429	22	d.	d.	PROPN
ajfti-5168	429	23	,	,	PUNCT
ajfti-5168	429	24	ajibade	ajibade	PROPN
ajfti-5168	429	25	,	,	PUNCT
ajfti-5168	429	26	n.	n.	NOUN
ajfti-5168	429	27	a.	a.	NOUN
ajfti-5168	429	28	t.	t.	PROPN
ajfti-5168	429	29	,	,	PUNCT
ajfti-5168	429	30	fatomi	fatomi	PROPN
ajfti-5168	429	31	,	,	PUNCT
ajfti-5168	429	32	n.	n.	NOUN
ajfti-5168	429	33	a.	a.	NOUN
ajfti-5168	429	34	m.	m.	PROPN
ajfti-5168	429	35	,	,	PUNCT
ajfti-5168	429	36	oyekola	oyekola	PROPN
ajfti-5168	429	37	,	,	PUNCT
ajfti-5168	429	38	n.	n.	PROPN
ajfti-5168	429	39	t.	t.	PROPN
ajfti-5168	429	40	s.	s.	PROPN
ajfti-5168	429	41	,	,	PUNCT
ajfti-5168	429	42	&	&	CCONJ
ajfti-5168	429	43	owoo	owoo	NOUN
ajfti-5168	429	44	-	-	PUNCT
ajfti-5168	429	45	adebayo	adebayo	PROPN
ajfti-5168	429	46	,	,	PUNCT
ajfti-5168	429	47	n.	n.	PROPN
ajfti-5168	429	48	s.	s.	PROPN
ajfti-5168	429	49	f.	f.	PROPN
ajfti-5168	429	50	(	(	PUNCT
ajfti-5168	429	51	2025	2025	NUM
ajfti-5168	429	52	)	)	PUNCT
ajfti-5168	429	53	.	.	PUNCT
ajfti-5168	430	1	ai	ai	VERB
ajfti-5168	430	2	-	-	PUNCT
ajfti-5168	430	3	powered	power	VERB
ajfti-5168	430	4	fraud	fraud	NOUN
ajfti-5168	430	5	detection	detection	NOUN
ajfti-5168	430	6	in	in	ADP
ajfti-5168	430	7	digital	digital	ADJ
ajfti-5168	430	8	banking	banking	NOUN
ajfti-5168	430	9	:	:	PUNCT
ajfti-5168	430	10	enhancing	enhance	VERB
ajfti-5168	430	11	security	security	NOUN
ajfti-5168	430	12	through	through	ADP
ajfti-5168	430	13	machine	machine	NOUN
ajfti-5168	430	14	learning	learning	NOUN
ajfti-5168	430	15	.	.	PUNCT
ajfti-5168	431	1	international	international	ADJ
ajfti-5168	431	2	journal	journal	PROPN
ajfti-5168	431	3	of	of	ADP
ajfti-5168	431	4	science	science	NOUN
ajfti-5168	431	5	and	and	CCONJ
ajfti-5168	431	6	research	research	NOUN
ajfti-5168	431	7	archive	archive	NOUN
ajfti-5168	431	8	,	,	PUNCT
ajfti-5168	431	9	14(3	14(3	NUM
ajfti-5168	431	10	)	)	PUNCT
ajfti-5168	431	11	,	,	PUNCT
ajfti-5168	431	12	1412–1420	1412–1420	NUM
ajfti-5168	431	13	.	.	PUNCT
ajfti-5168	432	1	https://doi	https://doi	NOUN
ajfti-5168	432	2	.	.	PUNCT
ajfti-5168	432	3	org/10.30574	org/10.30574	NOUN
ajfti-5168	432	4	/	/	SYM
ajfti-5168	432	5	ijsra.2025.14.3.0854	ijsra.2025.14.3.0854	NOUN
ajfti-5168	432	6	olowu	olowu	NOUN
ajfti-5168	432	7	,	,	PUNCT
ajfti-5168	432	8	n.	n.	PROPN
ajfti-5168	432	9	o.	o.	PROPN
ajfti-5168	432	10	,	,	PUNCT
ajfti-5168	432	11	adeleye	adeleye	NOUN
ajfti-5168	432	12	,	,	PUNCT
ajfti-5168	432	13	n.	n.	NOUN
ajfti-5168	432	14	a.	a.	NOUN
ajfti-5168	432	15	o.	o.	PROPN
ajfti-5168	432	16	,	,	PUNCT
ajfti-5168	432	17	omokanye	omokanye	PROPN
ajfti-5168	432	18	,	,	PUNCT
ajfti-5168	432	19	n.	n.	NOUN
ajfti-5168	432	20	a.	a.	PROPN
ajfti-5168	432	21	o.	o.	PROPN
ajfti-5168	432	22	,	,	PUNCT
ajfti-5168	432	23	ajayi	ajayi	PROPN
ajfti-5168	432	24	,	,	PUNCT
ajfti-5168	432	25	n.	n.	PROPN
ajfti-5168	432	26	a.	a.	NOUN
ajfti-5168	432	27	m.	m.	PROPN
ajfti-5168	432	28	,	,	PUNCT
ajfti-5168	432	29	adepoju	adepoju	PROPN
ajfti-5168	432	30	,	,	PUNCT
ajfti-5168	432	31	n.	n.	PROPN
ajfti-5168	432	32	a.	a.	PROPN
ajfti-5168	432	33	o.	o.	PROPN
ajfti-5168	432	34	,	,	PUNCT
ajfti-5168	432	35	omole	omole	PROPN
ajfti-5168	432	36	,	,	PUNCT
ajfti-5168	432	37	n.	n.	NOUN
ajfti-5168	432	38	o.	o.	PROPN
ajfti-5168	432	39	m.	m.	PROPN
ajfti-5168	432	40	,	,	PUNCT
ajfti-5168	432	41	&	&	CCONJ
ajfti-5168	432	42	chianumba	chianumba	PROPN
ajfti-5168	432	43	,	,	PUNCT
ajfti-5168	432	44	n.	n.	PROPN
ajfti-5168	432	45	e.	e.	PROPN
ajfti-5168	432	46	c.	c.	PROPN
ajfti-5168	432	47	(	(	PUNCT
ajfti-5168	432	48	2024	2024	NUM
ajfti-5168	432	49	)	)	PUNCT
ajfti-5168	432	50	.	.	PUNCT
ajfti-5168	433	1	ai	ai	VERB
ajfti-5168	433	2	-	-	PUNCT
ajfti-5168	433	3	driven	drive	VERB
ajfti-5168	433	4	fraud	fraud	NOUN
ajfti-5168	433	5	detection	detection	NOUN
ajfti-5168	433	6	in	in	ADP
ajfti-5168	433	7	banking	banking	NOUN
ajfti-5168	433	8	:	:	PUNCT
ajfti-5168	433	9	a	a	DET
ajfti-5168	433	10	systematic	systematic	ADJ
ajfti-5168	433	11	review	review	NOUN
ajfti-5168	433	12	of	of	ADP
ajfti-5168	433	13	data	datum	NOUN
ajfti-5168	433	14	science	science	NOUN
ajfti-5168	433	15	approaches	approach	NOUN
ajfti-5168	433	16	to	to	ADP
ajfti-5168	433	17	enhancing	enhance	VERB
ajfti-5168	433	18	cybersecurity	cybersecurity	NOUN
ajfti-5168	433	19	.	.	PUNCT
ajfti-5168	434	1	gsc	gsc	PROPN
ajfti-5168	434	2	advanced	advanced	ADJ
ajfti-5168	434	3	research	research	NOUN
ajfti-5168	434	4	and	and	CCONJ
ajfti-5168	434	5	reviews	review	NOUN
ajfti-5168	434	6	,	,	PUNCT
ajfti-5168	434	7	21(2	21(2	NUM
ajfti-5168	434	8	)	)	PUNCT
ajfti-5168	434	9	,	,	PUNCT
ajfti-5168	434	10	227–237	227–237	NUM
ajfti-5168	434	11	.	.	PUNCT
ajfti-5168	435	1	https://	https://	PROPN
ajfti-5168	435	2	doi.org/10.30574/gscarr.2024.21.2.0418	doi.org/10.30574/gscarr.2024.21.2.0418	PROPN
ajfti-5168	435	3	pa	pa	PROPN
ajfti-5168	435	4	ge	ge	PROPN
ajfti-5168	435	5	18	18	NUM
ajfti-5168	435	6	7	7	NUM
ajfti-5168	435	7	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-5168	435	8	am	be	AUX
ajfti-5168	435	9	.	.	PUNCT
ajfti-5168	436	1	j.	j.	PROPN
ajfti-5168	436	2	financ	financ	PROPN
ajfti-5168	436	3	.	.	PUNCT
ajfti-5168	437	1	technol	technol	PROPN
ajfti-5168	437	2	.	.	PUNCT
ajfti-5168	437	3	innov	innov	PROPN
ajfti-5168	437	4	.	.	PUNCT
ajfti-5168	438	1	3(1	3(1	NUM
ajfti-5168	438	2	)	)	PUNCT
ajfti-5168	438	3	177	177	NUM
ajfti-5168	438	4	-	-	SYM
ajfti-5168	438	5	187	187	NUM
ajfti-5168	438	6	,	,	PUNCT
ajfti-5168	438	7	2025	2025	NUM
ajfti-5168	438	8	onyekwuluje	onyekwuluje	VERB
ajfti-5168	438	9	,	,	PUNCT
ajfti-5168	438	10	t.	t.	PROPN
ajfti-5168	438	11	p.	p.	PROPN
ajfti-5168	438	12	,	,	PUNCT
ajfti-5168	438	13	kpakpa	kpakpa	PROPN
ajfti-5168	438	14	,	,	PUNCT
ajfti-5168	438	15	c.	c.	PROPN
ajfti-5168	438	16	t.	t.	PROPN
ajfti-5168	438	17	,	,	PUNCT
ajfti-5168	438	18	panful	panful	PROPN
ajfti-5168	438	19	,	,	PUNCT
ajfti-5168	438	20	b.	b.	PROPN
ajfti-5168	438	21	,	,	PUNCT
ajfti-5168	438	22	apaflo	apaflo	PROPN
ajfti-5168	438	23	,	,	PUNCT
ajfti-5168	438	24	b.	b.	PROPN
ajfti-5168	438	25	n.	n.	PROPN
ajfti-5168	438	26	,	,	PUNCT
ajfti-5168	438	27	&	&	CCONJ
ajfti-5168	438	28	donkor	donkor	PROPN
ajfti-5168	438	29	,	,	PUNCT
ajfti-5168	438	30	a.	a.	NOUN
ajfti-5168	438	31	a.	a.	NOUN
ajfti-5168	438	32	(	(	PUNCT
ajfti-5168	438	33	2025	2025	NUM
ajfti-5168	438	34	)	)	PUNCT
ajfti-5168	438	35	.	.	PUNCT
ajfti-5168	439	1	the	the	DET
ajfti-5168	439	2	role	role	NOUN
ajfti-5168	439	3	of	of	ADP
ajfti-5168	439	4	it	it	PRON
ajfti-5168	439	5	compliance	compliance	NOUN
ajfti-5168	439	6	in	in	ADP
ajfti-5168	439	7	enhancing	enhance	VERB
ajfti-5168	439	8	cybersecurity	cybersecurity	NOUN
ajfti-5168	439	9	measures	measure	NOUN
ajfti-5168	439	10	for	for	ADP
ajfti-5168	439	11	u.s	u.s	PROPN
ajfti-5168	439	12	.	.	PROPN
ajfti-5168	439	13	financial	financial	ADJ
ajfti-5168	439	14	institutions	institution	NOUN
ajfti-5168	439	15	.	.	PUNCT
ajfti-5168	440	1	international	international	ADJ
ajfti-5168	440	2	journal	journal	PROPN
ajfti-5168	440	3	of	of	ADP
ajfti-5168	440	4	research	research	NOUN
ajfti-5168	440	5	publication	publication	NOUN
ajfti-5168	440	6	and	and	CCONJ
ajfti-5168	440	7	reviews	review	NOUN
ajfti-5168	440	8	,	,	PUNCT
ajfti-5168	440	9	6(1	6(1	NUM
ajfti-5168	440	10	)	)	PUNCT
ajfti-5168	440	11	,	,	PUNCT
ajfti-5168	440	12	2600	2600	NUM
ajfti-5168	440	13	-	-	SYM
ajfti-5168	440	14	2606	2606	NUM
ajfti-5168	440	15	.	.	PUNCT
ajfti-5168	441	1	owen	owen	PROPN
ajfti-5168	441	2	,	,	PUNCT
ajfti-5168	441	3	r.	r.	PROPN
ajfti-5168	441	4	(	(	PUNCT
ajfti-5168	441	5	2021	2021	NUM
ajfti-5168	441	6	)	)	PUNCT
ajfti-5168	441	7	.	.	PUNCT
ajfti-5168	442	1	artificial	artificial	ADJ
ajfti-5168	442	2	intelligence	intelligence	NOUN
ajfti-5168	442	3	at	at	ADP
ajfti-5168	442	4	american	american	PROPN
ajfti-5168	442	5	express	express	VERB
ajfti-5168	442	6	two	two	NUM
ajfti-5168	442	7	current	current	ADJ
ajfti-5168	442	8	use	use	NOUN
ajfti-5168	442	9	cases	case	NOUN
ajfti-5168	442	10	.	.	PUNCT
ajfti-5168	443	1	emerj	emerj	VERB
ajfti-5168	443	2	artificial	artificial	ADJ
ajfti-5168	443	3	intelligence	intelligence	NOUN
ajfti-5168	443	4	research	research	NOUN
ajfti-5168	443	5	.	.	PUNCT
ajfti-5168	444	1	https://emerj.com/artificialintelligence-at-american-express/	https://emerj.com/artificialintelligence-at-american-express/	PROPN
ajfti-5168	444	2	oyedokun	oyedokun	NOUN
ajfti-5168	444	3	,	,	PUNCT
ajfti-5168	444	4	o.	o.	PROPN
ajfti-5168	444	5	,	,	PUNCT
ajfti-5168	444	6	ewim	ewim	PROPN
ajfti-5168	444	7	,	,	PUNCT
ajfti-5168	444	8	s.	s.	PROPN
ajfti-5168	444	9	e.	e.	PROPN
ajfti-5168	444	10	,	,	PUNCT
ajfti-5168	444	11	&	&	CCONJ
ajfti-5168	444	12	oyeyemi	oyeyemi	PROPN
ajfti-5168	444	13	,	,	PUNCT
ajfti-5168	444	14	o.	o.	PROPN
ajfti-5168	444	15	p.	p.	NOUN
ajfti-5168	444	16	(	(	PUNCT
ajfti-5168	444	17	2024	2024	NUM
ajfti-5168	444	18	)	)	PUNCT
ajfti-5168	444	19	.	.	PUNCT
ajfti-5168	445	1	a	a	DET
ajfti-5168	445	2	comprehensive	comprehensive	ADJ
ajfti-5168	445	3	review	review	NOUN
ajfti-5168	445	4	of	of	ADP
ajfti-5168	445	5	machine	machine	NOUN
ajfti-5168	445	6	learning	learn	VERB
ajfti-5168	445	7	applications	application	NOUN
ajfti-5168	445	8	in	in	ADP
ajfti-5168	445	9	aml	aml	NOUN
ajfti-5168	445	10	transaction	transaction	NOUN
ajfti-5168	445	11	monitoring	monitoring	NOUN
ajfti-5168	445	12	.	.	PUNCT
ajfti-5168	446	1	international	international	ADJ
ajfti-5168	446	2	journal	journal	NOUN
ajfti-5168	446	3	of	of	ADP
ajfti-5168	446	4	engineering	engineering	NOUN
ajfti-5168	446	5	research	research	NOUN
ajfti-5168	446	6	and	and	CCONJ
ajfti-5168	446	7	development	development	NOUN
ajfti-5168	446	8	,	,	PUNCT
ajfti-5168	446	9	20(11	20(11	NUM
ajfti-5168	446	10	)	)	PUNCT
ajfti-5168	446	11	,	,	PUNCT
ajfti-5168	446	12	730	730	NUM
ajfti-5168	446	13	-	-	SYM
ajfti-5168	446	14	743	743	NUM
ajfti-5168	446	15	.	.	PUNCT
ajfti-5168	447	1	https://www.ijerd.com	https://www.ijerd.com	X
ajfti-5168	447	2	oztas	oztas	PROPN
ajfti-5168	447	3	,	,	PUNCT
ajfti-5168	447	4	b.	b.	PROPN
ajfti-5168	447	5	,	,	PUNCT
ajfti-5168	447	6	cetinkaya	cetinkaya	PROPN
ajfti-5168	447	7	,	,	PUNCT
ajfti-5168	447	8	d.	d.	PROPN
ajfti-5168	447	9	,	,	PUNCT
ajfti-5168	447	10	adedoyin	adedoyin	PROPN
ajfti-5168	447	11	,	,	PUNCT
ajfti-5168	447	12	f.	f.	PROPN
ajfti-5168	447	13	,	,	PUNCT
ajfti-5168	447	14	budka	budka	PROPN
ajfti-5168	447	15	,	,	PUNCT
ajfti-5168	447	16	m.	m.	NOUN
ajfti-5168	447	17	,	,	PUNCT
ajfti-5168	447	18	aksu	aksu	PROPN
ajfti-5168	447	19	,	,	PUNCT
ajfti-5168	447	20	g.	g.	PROPN
ajfti-5168	447	21	,	,	PUNCT
ajfti-5168	447	22	&	&	CCONJ
ajfti-5168	447	23	dogan	dogan	PROPN
ajfti-5168	447	24	,	,	PUNCT
ajfti-5168	447	25	h.	h.	PROPN
ajfti-5168	447	26	(	(	PUNCT
ajfti-5168	447	27	2024	2024	NUM
ajfti-5168	447	28	)	)	PUNCT
ajfti-5168	447	29	.	.	PUNCT
ajfti-5168	448	1	transaction	transaction	NOUN
ajfti-5168	448	2	monitoring	monitoring	NOUN
ajfti-5168	448	3	in	in	ADP
ajfti-5168	448	4	anti	anti	ADJ
ajfti-5168	448	5	-	-	ADJ
ajfti-5168	448	6	money	money	ADJ
ajfti-5168	448	7	laundering	laundering	NOUN
ajfti-5168	448	8	:	:	PUNCT
ajfti-5168	448	9	a	a	DET
ajfti-5168	448	10	qualitative	qualitative	ADJ
ajfti-5168	448	11	analysis	analysis	NOUN
ajfti-5168	448	12	and	and	CCONJ
ajfti-5168	448	13	points	point	NOUN
ajfti-5168	448	14	of	of	ADP
ajfti-5168	448	15	view	view	NOUN
ajfti-5168	448	16	from	from	ADP
ajfti-5168	448	17	industry	industry	NOUN
ajfti-5168	448	18	.	.	PUNCT
ajfti-5168	449	1	future	future	ADJ
ajfti-5168	449	2	generation	generation	NOUN
ajfti-5168	449	3	computer	computer	NOUN
ajfti-5168	449	4	systems	system	NOUN
ajfti-5168	449	5	,	,	PUNCT
ajfti-5168	449	6	159	159	NUM
ajfti-5168	449	7	,	,	PUNCT
ajfti-5168	449	8	161–171	161–171	NUM
ajfti-5168	449	9	.	.	PUNCT
ajfti-5168	450	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
ajfti-5168	450	2	.	.	PUNCT
ajfti-5168	451	1	future.2024.05.027	future.2024.05.027	PROPN
ajfti-5168	451	2	rahman	rahman	PROPN
ajfti-5168	451	3	,	,	PUNCT
ajfti-5168	451	4	m.	m.	NOUN
ajfti-5168	451	5	,	,	PUNCT
ajfti-5168	451	6	yee	yee	PROPN
ajfti-5168	451	7	,	,	PUNCT
ajfti-5168	451	8	h.	h.	PROPN
ajfti-5168	451	9	p.	p.	PROPN
ajfti-5168	451	10	,	,	PUNCT
ajfti-5168	451	11	masud	masud	PROPN
ajfti-5168	451	12	,	,	PUNCT
ajfti-5168	451	13	m.	m.	NOUN
ajfti-5168	451	14	a.	a.	PROPN
ajfti-5168	451	15	k.	k.	PROPN
ajfti-5168	451	16	,	,	PUNCT
ajfti-5168	451	17	&	&	CCONJ
ajfti-5168	451	18	uzir	uzir	PROPN
ajfti-5168	451	19	,	,	PUNCT
ajfti-5168	451	20	m.	m.	NOUN
ajfti-5168	451	21	u.	u.	PROPN
ajfti-5168	451	22	h.	h.	PROPN
ajfti-5168	451	23	(	(	PUNCT
ajfti-5168	451	24	2024	2024	NUM
ajfti-5168	451	25	)	)	PUNCT
ajfti-5168	451	26	.	.	PUNCT
ajfti-5168	452	1	examining	examine	VERB
ajfti-5168	452	2	the	the	DET
ajfti-5168	452	3	dynamics	dynamic	NOUN
ajfti-5168	452	4	of	of	ADP
ajfti-5168	452	5	mobile	mobile	ADJ
ajfti-5168	452	6	banking	banking	NOUN
ajfti-5168	452	7	app	app	NOUN
ajfti-5168	452	8	adoption	adoption	NOUN
ajfti-5168	452	9	during	during	ADP
ajfti-5168	452	10	the	the	DET
ajfti-5168	452	11	covid-19	covid-19	PROPN
ajfti-5168	452	12	pandemic	pandemic	NOUN
ajfti-5168	452	13	:	:	PUNCT
ajfti-5168	452	14	a	a	DET
ajfti-5168	452	15	digital	digital	ADJ
ajfti-5168	452	16	shift	shift	NOUN
ajfti-5168	452	17	in	in	ADP
ajfti-5168	452	18	the	the	DET
ajfti-5168	452	19	crisis	crisis	NOUN
ajfti-5168	452	20	.	.	PUNCT
ajfti-5168	453	1	digital	digital	ADJ
ajfti-5168	453	2	business	business	NOUN
ajfti-5168	453	3	,	,	PUNCT
ajfti-5168	453	4	4(2	4(2	NUM
ajfti-5168	453	5	)	)	PUNCT
ajfti-5168	453	6	,	,	PUNCT
ajfti-5168	453	7	100088	100088	NUM
ajfti-5168	453	8	.	.	PUNCT
ajfti-5168	454	1	https://doi.org/10.1016/j.digbus.2024.100088	https://doi.org/10.1016/j.digbus.2024.100088	PROPN
ajfti-5168	454	2	rojan	rojan	PROPN
ajfti-5168	454	3	,	,	PUNCT
ajfti-5168	454	4	z.	z.	PROPN
ajfti-5168	454	5	(	(	PUNCT
ajfti-5168	454	6	2024	2024	NUM
ajfti-5168	454	7	)	)	PUNCT
ajfti-5168	454	8	.	.	PUNCT
ajfti-5168	455	1	financial	financial	ADJ
ajfti-5168	455	2	fraud	fraud	NOUN
ajfti-5168	455	3	detection	detection	NOUN
ajfti-5168	455	4	based	base	VERB
ajfti-5168	455	5	on	on	ADP
ajfti-5168	455	6	machine	machine	NOUN
ajfti-5168	455	7	and	and	CCONJ
ajfti-5168	455	8	deep	deep	ADJ
ajfti-5168	455	9	learning	learning	NOUN
ajfti-5168	455	10	:	:	PUNCT
ajfti-5168	455	11	a	a	DET
ajfti-5168	455	12	review	review	NOUN
ajfti-5168	455	13	.	.	PUNCT
ajfti-5168	456	1	the	the	DET
ajfti-5168	456	2	indonesian	indonesian	ADJ
ajfti-5168	456	3	journal	journal	PROPN
ajfti-5168	456	4	of	of	ADP
ajfti-5168	456	5	computer	computer	NOUN
ajfti-5168	456	6	science	science	NOUN
ajfti-5168	456	7	,	,	PUNCT
ajfti-5168	456	8	13(3	13(3	NUM
ajfti-5168	456	9	)	)	PUNCT
ajfti-5168	456	10	.	.	PUNCT
ajfti-5168	457	1	roszkowska	roszkowska	NOUN
ajfti-5168	457	2	,	,	PUNCT
ajfti-5168	457	3	p.	p.	NOUN
ajfti-5168	457	4	(	(	PUNCT
ajfti-5168	457	5	2021	2021	NUM
ajfti-5168	457	6	)	)	PUNCT
ajfti-5168	457	7	.	.	PUNCT
ajfti-5168	458	1	fintech	fintech	NOUN
ajfti-5168	458	2	in	in	ADP
ajfti-5168	458	3	financial	financial	ADJ
ajfti-5168	458	4	reporting	reporting	NOUN
ajfti-5168	458	5	and	and	CCONJ
ajfti-5168	458	6	audit	audit	NOUN
ajfti-5168	458	7	for	for	ADP
ajfti-5168	458	8	fraud	fraud	NOUN
ajfti-5168	458	9	prevention	prevention	NOUN
ajfti-5168	458	10	and	and	CCONJ
ajfti-5168	458	11	safeguarding	safeguard	VERB
ajfti-5168	458	12	equity	equity	NOUN
ajfti-5168	458	13	investments	investment	NOUN
ajfti-5168	458	14	.	.	PUNCT
ajfti-5168	459	1	journal	journal	NOUN
ajfti-5168	459	2	of	of	ADP
ajfti-5168	459	3	accounting	accounting	PROPN
ajfti-5168	459	4	&	&	CCONJ
ajfti-5168	459	5	organizational	organizational	ADJ
ajfti-5168	459	6	change	change	NOUN
ajfti-5168	459	7	,	,	PUNCT
ajfti-5168	459	8	17(2	17(2	NUM
ajfti-5168	459	9	)	)	PUNCT
ajfti-5168	459	10	,	,	PUNCT
ajfti-5168	459	11	164	164	NUM
ajfti-5168	459	12	-	-	SYM
ajfti-5168	459	13	196	196	NUM
ajfti-5168	459	14	.	.	PUNCT
ajfti-5168	460	1	salunke	salunke	PROPN
ajfti-5168	460	2	,	,	PUNCT
ajfti-5168	460	3	y.	y.	NOUN
ajfti-5168	460	4	,	,	PUNCT
ajfti-5168	460	5	phalke	phalke	PROPN
ajfti-5168	460	6	,	,	PUNCT
ajfti-5168	460	7	s.	s.	PROPN
ajfti-5168	460	8	,	,	PUNCT
ajfti-5168	460	9	madavi	madavi	NOUN
ajfti-5168	460	10	,	,	PUNCT
ajfti-5168	460	11	m.	m.	NOUN
ajfti-5168	460	12	,	,	PUNCT
ajfti-5168	460	13	kumre	kumre	PROPN
ajfti-5168	460	14	,	,	PUNCT
ajfti-5168	460	15	p.	p.	PROPN
ajfti-5168	460	16	,	,	PUNCT
ajfti-5168	460	17	bobhate	bobhate	NOUN
ajfti-5168	460	18	,	,	PUNCT
ajfti-5168	460	19	g.	g.	PROPN
ajfti-5168	460	20	(	(	PUNCT
ajfti-5168	460	21	2025	2025	NUM
ajfti-5168	460	22	)	)	PUNCT
ajfti-5168	460	23	.	.	PUNCT
ajfti-5168	461	1	fraud	fraud	NOUN
ajfti-5168	461	2	detection	detection	PROPN
ajfti-5168	461	3	:	:	PUNCT
ajfti-5168	461	4	a	a	DET
ajfti-5168	461	5	hybrid	hybrid	ADJ
ajfti-5168	461	6	approach	approach	NOUN
ajfti-5168	461	7	with	with	ADP
ajfti-5168	461	8	logistic	logistic	ADJ
ajfti-5168	461	9	regression	regression	NOUN
ajfti-5168	461	10	,	,	PUNCT
ajfti-5168	461	11	decision	decision	NOUN
ajfti-5168	461	12	tree	tree	NOUN
ajfti-5168	461	13	,	,	PUNCT
ajfti-5168	461	14	and	and	CCONJ
ajfti-5168	461	15	random	random	ADJ
ajfti-5168	461	16	forest	forest	NOUN
ajfti-5168	461	17	.	.	PUNCT
ajfti-5168	462	1	cureus	cureus	PROPN
ajfti-5168	462	2	journal	journal	PROPN
ajfti-5168	462	3	of	of	ADP
ajfti-5168	462	4	computational	computational	ADJ
ajfti-5168	462	5	science	science	NOUN
ajfti-5168	462	6	,	,	PUNCT
ajfti-5168	462	7	2	2	NUM
ajfti-5168	462	8	,	,	PUNCT
ajfti-5168	462	9	es44389024	es44389024	NOUN
ajfti-5168	462	10	-	-	PUNCT
ajfti-5168	462	11	02350	02350	NUM
ajfti-5168	462	12	-	-	SYM
ajfti-5168	462	13	5	5	NUM
ajfti-5168	462	14	.	.	PUNCT
ajfti-5168	462	15	https://doi.org/10.7759/s44389-02402350-5	https://doi.org/10.7759/s44389-02402350-5	PROPN
ajfti-5168	462	16	sarker	sarker	PROPN
ajfti-5168	462	17	,	,	PUNCT
ajfti-5168	462	18	i.	i.	PROPN
ajfti-5168	462	19	h.	h.	PROPN
ajfti-5168	462	20	(	(	PUNCT
ajfti-5168	462	21	2021	2021	NUM
ajfti-5168	462	22	)	)	PUNCT
ajfti-5168	462	23	.	.	PUNCT
ajfti-5168	463	1	machine	machine	NOUN
ajfti-5168	463	2	learning	learning	NOUN
ajfti-5168	463	3	:	:	PUNCT
ajfti-5168	463	4	algorithms	algorithm	NOUN
ajfti-5168	463	5	,	,	PUNCT
ajfti-5168	463	6	real	real	ADJ
ajfti-5168	463	7	-	-	PUNCT
ajfti-5168	463	8	world	world	NOUN
ajfti-5168	463	9	applications	application	NOUN
ajfti-5168	463	10	and	and	CCONJ
ajfti-5168	463	11	research	research	NOUN
ajfti-5168	463	12	directions	direction	NOUN
ajfti-5168	463	13	.	.	PUNCT
ajfti-5168	464	1	sn	sn	PROPN
ajfti-5168	464	2	computer	computer	NOUN
ajfti-5168	464	3	science	science	NOUN
ajfti-5168	464	4	,	,	PUNCT
ajfti-5168	464	5	2(3	2(3	NUM
ajfti-5168	464	6	)	)	PUNCT
ajfti-5168	464	7	.	.	PUNCT
ajfti-5168	465	1	https://doi.org/10.1007/	https://doi.org/10.1007/	PROPN
ajfti-5168	465	2	s42979	s42979	PROPN
ajfti-5168	465	3	-	-	PUNCT
ajfti-5168	465	4	021	021	NUM
ajfti-5168	465	5	-	-	PUNCT
ajfti-5168	465	6	00592	00592	NUM
ajfti-5168	465	7	-	-	PUNCT
ajfti-5168	465	8	x	x	SYM
ajfti-5168	465	9	sharma	sharma	PROPN
ajfti-5168	465	10	,	,	PUNCT
ajfti-5168	465	11	p.	p.	NOUN
ajfti-5168	465	12	(	(	PUNCT
ajfti-5168	465	13	2024	2024	NUM
ajfti-5168	465	14	)	)	PUNCT
ajfti-5168	465	15	.	.	PUNCT
ajfti-5168	466	1	how	how	SCONJ
ajfti-5168	466	2	reinforcement	reinforcement	NOUN
ajfti-5168	466	3	learning	learning	NOUN
ajfti-5168	466	4	keeps	keep	VERB
ajfti-5168	466	5	fraud	fraud	NOUN
ajfti-5168	466	6	detection	detection	NOUN
ajfti-5168	466	7	smart	smart	ADJ
ajfti-5168	466	8	and	and	CCONJ
ajfti-5168	466	9	quick	quick	ADJ
ajfti-5168	466	10	:	:	PUNCT
ajfti-5168	466	11	adapting	adapt	VERB
ajfti-5168	466	12	to	to	ADP
ajfti-5168	466	13	new	new	ADJ
ajfti-5168	466	14	fraud	fraud	NOUN
ajfti-5168	466	15	tricks	trick	NOUN
ajfti-5168	466	16	.	.	PUNCT
ajfti-5168	467	1	international	international	ADJ
ajfti-5168	467	2	journal	journal	NOUN
ajfti-5168	467	3	for	for	ADP
ajfti-5168	467	4	multidisciplinary	multidisciplinary	ADJ
ajfti-5168	467	5	research	research	NOUN
ajfti-5168	467	6	(	(	PUNCT
ajfti-5168	467	7	ijfmr	ijfmr	NOUN
ajfti-5168	467	8	)	)	PUNCT
ajfti-5168	467	9	,	,	PUNCT
ajfti-5168	467	10	6(2	6(2	NUM
ajfti-5168	467	11	)	)	PUNCT
ajfti-5168	467	12	.	.	PUNCT
ajfti-5168	468	1	https://www.ijfmr.com	https://www.ijfmr.com	X
ajfti-5168	468	2	shaul	shaul	PROPN
ajfti-5168	468	3	,	,	PUNCT
ajfti-5168	468	4	j.	j.	PROPN
ajfti-5168	468	5	,	,	PUNCT
ajfti-5168	468	6	&	&	CCONJ
ajfti-5168	468	7	ingram	ingram	PROPN
ajfti-5168	468	8	,	,	PUNCT
ajfti-5168	468	9	a.	a.	NOUN
ajfti-5168	468	10	(	(	PUNCT
ajfti-5168	468	11	2007	2007	NUM
ajfti-5168	468	12	)	)	PUNCT
ajfti-5168	468	13	.	.	PUNCT
ajfti-5168	469	1	database	database	NOUN
ajfti-5168	469	2	activity	activity	NOUN
ajfti-5168	469	3	monitoring	monitoring	NOUN
ajfti-5168	469	4	.	.	PUNCT
ajfti-5168	470	1	in	in	ADP
ajfti-5168	470	2	elsevier	elsevier	PROPN
ajfti-5168	470	3	ebooks	ebooks	PROPN
ajfti-5168	470	4	(	(	PUNCT
ajfti-5168	470	5	pp	pp	ADV
ajfti-5168	470	6	.	.	PUNCT
ajfti-5168	471	1	201–224	201–224	NUM
ajfti-5168	471	2	)	)	PUNCT
ajfti-5168	471	3	.	.	PUNCT
ajfti-5168	472	1	https://	https://	PROPN
ajfti-5168	472	2	doi.org/10.1016/b978-159749198-3.50010-x	doi.org/10.1016/b978-159749198-3.50010-x	PROPN
ajfti-5168	472	3	tejesh	tejesh	NOUN
ajfti-5168	472	4	,	,	PUNCT
ajfti-5168	472	5	p.	p.	NOUN
ajfti-5168	472	6	,	,	PUNCT
ajfti-5168	472	7	sai	sai	PROPN
ajfti-5168	472	8	,	,	PUNCT
ajfti-5168	472	9	g.	g.	PROPN
ajfti-5168	472	10	p.	p.	PROPN
ajfti-5168	472	11	,	,	PUNCT
ajfti-5168	472	12	naveen	naveen	PROPN
ajfti-5168	472	13	,	,	PUNCT
ajfti-5168	472	14	d.	d.	PROPN
ajfti-5168	472	15	,	,	PUNCT
ajfti-5168	472	16	khaleel	khaleel	PROPN
ajfti-5168	472	17	,	,	PUNCT
ajfti-5168	472	18	v.	v.	PROPN
ajfti-5168	472	19	s.	s.	PROPN
ajfti-5168	472	20	,	,	PUNCT
ajfti-5168	472	21	&	&	CCONJ
ajfti-5168	472	22	rao	rao	PROPN
ajfti-5168	472	23	,	,	PUNCT
ajfti-5168	472	24	v.	v.	PROPN
ajfti-5168	472	25	h.	h.	PROPN
ajfti-5168	472	26	(	(	PUNCT
ajfti-5168	472	27	2025	2025	NUM
ajfti-5168	472	28	)	)	PUNCT
ajfti-5168	472	29	.	.	PUNCT
ajfti-5168	473	1	detection	detection	NOUN
ajfti-5168	473	2	of	of	ADP
ajfti-5168	473	3	fraud	fraud	NOUN
ajfti-5168	473	4	in	in	ADP
ajfti-5168	473	5	banking	banking	NOUN
ajfti-5168	473	6	transactions	transaction	NOUN
ajfti-5168	473	7	by	by	ADP
ajfti-5168	473	8	machine	machine	NOUN
ajfti-5168	473	9	learning	learning	NOUN
ajfti-5168	473	10	algorithm	algorithm	NOUN
ajfti-5168	473	11	.	.	PUNCT
ajfti-5168	474	1	international	international	ADJ
ajfti-5168	474	2	journal	journal	PROPN
ajfti-5168	474	3	of	of	ADP
ajfti-5168	474	4	research	research	NOUN
ajfti-5168	474	5	publication	publication	NOUN
ajfti-5168	474	6	and	and	CCONJ
ajfti-5168	474	7	reviews	review	NOUN
ajfti-5168	474	8	,	,	PUNCT
ajfti-5168	474	9	6(4	6(4	NUM
ajfti-5168	474	10	)	)	PUNCT
ajfti-5168	474	11	,	,	PUNCT
ajfti-5168	474	12	1775–1778	1775–1778	NUM
ajfti-5168	474	13	.	.	PUNCT
ajfti-5168	475	1	trucco	trucco	PROPN
ajfti-5168	475	2	,	,	PUNCT
ajfti-5168	475	3	e.	e.	PROPN
ajfti-5168	475	4	,	,	PUNCT
ajfti-5168	475	5	mcneil	mcneil	PROPN
ajfti-5168	475	6	,	,	PUNCT
ajfti-5168	475	7	a.	a.	NOUN
ajfti-5168	475	8	,	,	PUNCT
ajfti-5168	475	9	mcgrory	mcgrory	NOUN
ajfti-5168	475	10	,	,	PUNCT
ajfti-5168	475	11	s.	s.	PROPN
ajfti-5168	475	12	,	,	PUNCT
ajfti-5168	475	13	ballerini	ballerini	PROPN
ajfti-5168	475	14	,	,	PUNCT
ajfti-5168	475	15	l.	l.	PROPN
ajfti-5168	475	16	,	,	PUNCT
ajfti-5168	475	17	mookiah	mookiah	PROPN
ajfti-5168	475	18	,	,	PUNCT
ajfti-5168	475	19	m.	m.	PROPN
ajfti-5168	475	20	r.	r.	PROPN
ajfti-5168	475	21	k.	k.	PROPN
ajfti-5168	475	22	,	,	PUNCT
ajfti-5168	475	23	hogg	hogg	PROPN
ajfti-5168	475	24	,	,	PUNCT
ajfti-5168	475	25	s.	s.	PROPN
ajfti-5168	475	26	,	,	PUNCT
ajfti-5168	475	27	doney	doney	NOUN
ajfti-5168	475	28	,	,	PUNCT
ajfti-5168	475	29	a.	a.	NOUN
ajfti-5168	475	30	,	,	PUNCT
ajfti-5168	475	31	&	&	CCONJ
ajfti-5168	475	32	macgillivray	macgillivray	PROPN
ajfti-5168	475	33	,	,	PUNCT
ajfti-5168	475	34	t.	t.	PROPN
ajfti-5168	475	35	(	(	PUNCT
ajfti-5168	475	36	2019	2019	NUM
ajfti-5168	475	37	)	)	PUNCT
ajfti-5168	475	38	.	.	PUNCT
ajfti-5168	476	1	validation	validation	NOUN
ajfti-5168	476	2	.	.	PUNCT
ajfti-5168	477	1	in	in	ADP
ajfti-5168	477	2	elsevier	elsevier	PROPN
ajfti-5168	477	3	ebooks	ebooks	PROPN
ajfti-5168	477	4	(	(	PUNCT
ajfti-5168	477	5	pp	pp	ADJ
ajfti-5168	477	6	.	.	PUNCT
ajfti-5168	478	1	157–170	157–170	NUM
ajfti-5168	478	2	)	)	PUNCT
ajfti-5168	478	3	.	.	PUNCT
ajfti-5168	479	1	https://doi.org/10.1016/b978-0-08102816-2.00009-5	https://doi.org/10.1016/b978-0-08102816-2.00009-5	X
ajfti-5168	479	2	venigandla	venigandla	NOUN
ajfti-5168	479	3	,	,	PUNCT
ajfti-5168	479	4	k.	k.	PROPN
ajfti-5168	479	5	,	,	PUNCT
ajfti-5168	479	6	&	&	CCONJ
ajfti-5168	479	7	vemuri	vemuri	PROPN
ajfti-5168	479	8	,	,	PUNCT
ajfti-5168	479	9	n.	n.	NOUN
ajfti-5168	479	10	(	(	PUNCT
ajfti-5168	479	11	2022	2022	NUM
ajfti-5168	479	12	)	)	PUNCT
ajfti-5168	479	13	.	.	PUNCT
ajfti-5168	480	1	rpa	rpa	PROPN
ajfti-5168	480	2	and	and	CCONJ
ajfti-5168	480	3	ai	ai	AUX
ajfti-5168	480	4	-	-	PUNCT
ajfti-5168	480	5	driven	drive	VERB
ajfti-5168	480	6	predictive	predictive	ADJ
ajfti-5168	480	7	analytics	analytic	NOUN
ajfti-5168	480	8	in	in	ADP
ajfti-5168	480	9	banking	banking	NOUN
ajfti-5168	480	10	for	for	ADP
ajfti-5168	480	11	fraud	fraud	NOUN
ajfti-5168	480	12	detection	detection	NOUN
ajfti-5168	480	13	.	.	PUNCT
ajfti-5168	481	1	tuijin	tuijin	PROPN
ajfti-5168	481	2	jishu	jishu	PROPN
ajfti-5168	481	3	/	/	SYM
ajfti-5168	481	4	journal	journal	NOUN
ajfti-5168	481	5	of	of	ADP
ajfti-5168	481	6	propulsion	propulsion	NOUN
ajfti-5168	481	7	technology	technology	NOUN
ajfti-5168	481	8	,	,	PUNCT
ajfti-5168	481	9	43(4	43(4	NOUN
ajfti-5168	481	10	)	)	PUNCT
ajfti-5168	481	11	.	.	PUNCT
ajfti-5168	482	1	vens	vens	PROPN
ajfti-5168	482	2	,	,	PUNCT
ajfti-5168	482	3	c.	c.	PROPN
ajfti-5168	482	4	(	(	PUNCT
ajfti-5168	482	5	2013	2013	NUM
ajfti-5168	482	6	)	)	PUNCT
ajfti-5168	482	7	.	.	PUNCT
ajfti-5168	483	1	bagging	bagging	NOUN
ajfti-5168	483	2	.	.	PUNCT
ajfti-5168	484	1	in	in	ADP
ajfti-5168	484	2	springer	springer	NOUN
ajfti-5168	484	3	ebooks	ebook	NOUN
ajfti-5168	484	4	(	(	PUNCT
ajfti-5168	484	5	pp	pp	ADV
ajfti-5168	484	6	.	.	PUNCT
ajfti-5168	485	1	68–69	68–69	NUM
ajfti-5168	485	2	)	)	PUNCT
ajfti-5168	485	3	.	.	PUNCT
ajfti-5168	486	1	https://doi.org/10.1007/978-1-4419-9863-7_602	https://doi.org/10.1007/978-1-4419-9863-7_602	PROPN
ajfti-5168	486	2	wang	wang	PROPN
ajfti-5168	486	3	,	,	PUNCT
ajfti-5168	486	4	x.	x.	PROPN
ajfti-5168	486	5	,	,	PUNCT
ajfti-5168	486	6	liu	liu	PROPN
ajfti-5168	486	7	,	,	PUNCT
ajfti-5168	486	8	h.	h.	PROPN
ajfti-5168	486	9	,	,	PUNCT
ajfti-5168	486	10	&	&	CCONJ
ajfti-5168	486	11	yu	yu	PROPN
ajfti-5168	486	12	,	,	PUNCT
ajfti-5168	486	13	z.	z.	PROPN
ajfti-5168	486	14	(	(	PUNCT
ajfti-5168	486	15	2019	2019	NUM
ajfti-5168	486	16	)	)	PUNCT
ajfti-5168	486	17	.	.	PUNCT
ajfti-5168	487	1	a	a	DET
ajfti-5168	487	2	hybrid	hybrid	ADJ
ajfti-5168	487	3	approach	approach	NOUN
ajfti-5168	487	4	for	for	ADP
ajfti-5168	487	5	fraud	fraud	NOUN
ajfti-5168	487	6	detection	detection	NOUN
ajfti-5168	487	7	in	in	ADP
ajfti-5168	487	8	online	online	ADJ
ajfti-5168	487	9	banking	banking	NOUN
ajfti-5168	487	10	transactions	transaction	NOUN
ajfti-5168	487	11	.	.	PUNCT
ajfti-5168	488	1	ieee	ieee	NOUN
ajfti-5168	488	2	access	access	NOUN
ajfti-5168	488	3	,	,	PUNCT
ajfti-5168	488	4	7	7	NUM
ajfti-5168	488	5	,	,	PUNCT
ajfti-5168	488	6	64101	64101	NUM
ajfti-5168	488	7	-	-	SYM
ajfti-5168	488	8	64113	64113	NUM
ajfti-5168	488	9	.	.	PUNCT
ajfti-5168	489	1	wei	wei	PROPN
ajfti-5168	489	2	,	,	PUNCT
ajfti-5168	489	3	c.	c.	PROPN
ajfti-5168	489	4	,	,	PUNCT
ajfti-5168	489	5	xie	xie	PROPN
ajfti-5168	489	6	,	,	PUNCT
ajfti-5168	489	7	g.	g.	PROPN
ajfti-5168	489	8	,	,	PUNCT
ajfti-5168	489	9	&	&	CCONJ
ajfti-5168	489	10	diao	diao	PROPN
ajfti-5168	489	11	,	,	PUNCT
ajfti-5168	489	12	z.	z.	PROPN
ajfti-5168	489	13	(	(	PUNCT
ajfti-5168	489	14	2023	2023	NUM
ajfti-5168	489	15	)	)	PUNCT
ajfti-5168	489	16	.	.	PUNCT
ajfti-5168	490	1	a	a	DET
ajfti-5168	490	2	lightweight	lightweight	ADJ
ajfti-5168	490	3	deep	deep	ADJ
ajfti-5168	490	4	learning	learning	NOUN
ajfti-5168	490	5	framework	framework	NOUN
ajfti-5168	490	6	for	for	ADP
ajfti-5168	490	7	botnet	botnet	NOUN
ajfti-5168	490	8	detecting	detecting	NOUN
ajfti-5168	490	9	at	at	ADP
ajfti-5168	490	10	the	the	DET
ajfti-5168	490	11	iot	iot	PROPN
ajfti-5168	490	12	edge	edge	NOUN
ajfti-5168	490	13	.	.	PUNCT
ajfti-5168	491	1	computers	computer	NOUN
ajfti-5168	491	2	&	&	CCONJ
ajfti-5168	491	3	security	security	NOUN
ajfti-5168	491	4	,	,	PUNCT
ajfti-5168	491	5	129	129	NUM
ajfti-5168	491	6	,	,	PUNCT
ajfti-5168	491	7	103195	103195	NUM
ajfti-5168	491	8	.	.	PUNCT
ajfti-5168	492	1	https://doi	https://doi	X
ajfti-5168	492	2	.	.	PUNCT
ajfti-5168	493	1	org/10.1016	org/10.1016	PROPN
ajfti-5168	493	2	/	/	SYM
ajfti-5168	493	3	j.cose.2023.103195	j.cose.2023.103195	PROPN
ajfti-5168	493	4	windasari	windasari	PROPN
ajfti-5168	493	5	,	,	PUNCT
ajfti-5168	493	6	n.	n.	PROPN
ajfti-5168	493	7	a.	a.	NOUN
ajfti-5168	493	8	,	,	PUNCT
ajfti-5168	493	9	kusumawati	kusumawati	PROPN
ajfti-5168	493	10	,	,	PUNCT
ajfti-5168	493	11	n.	n.	NOUN
ajfti-5168	493	12	,	,	PUNCT
ajfti-5168	493	13	larasati	larasati	PROPN
ajfti-5168	493	14	,	,	PUNCT
ajfti-5168	493	15	n.	n.	NOUN
ajfti-5168	493	16	,	,	PUNCT
ajfti-5168	493	17	&	&	CCONJ
ajfti-5168	493	18	amelia	amelia	PROPN
ajfti-5168	493	19	,	,	PUNCT
ajfti-5168	493	20	r.	r.	PROPN
ajfti-5168	493	21	p.	p.	PROPN
ajfti-5168	493	22	(	(	PUNCT
ajfti-5168	493	23	2022	2022	NUM
ajfti-5168	493	24	)	)	PUNCT
ajfti-5168	493	25	.	.	PUNCT
ajfti-5168	494	1	digital	digital	ADJ
ajfti-5168	494	2	-	-	PUNCT
ajfti-5168	494	3	only	only	ADV
ajfti-5168	494	4	banking	banking	NOUN
ajfti-5168	494	5	experience	experience	NOUN
ajfti-5168	494	6	:	:	PUNCT
ajfti-5168	494	7	insights	insight	NOUN
ajfti-5168	494	8	from	from	ADP
ajfti-5168	494	9	gen	gen	PROPN
ajfti-5168	494	10	y	y	PROPN
ajfti-5168	494	11	and	and	CCONJ
ajfti-5168	494	12	gen	gen	PROPN
ajfti-5168	494	13	z.	z.	PROPN
ajfti-5168	494	14	journal	journal	PROPN
ajfti-5168	494	15	of	of	ADP
ajfti-5168	494	16	innovation	innovation	NOUN
ajfti-5168	494	17	&	&	CCONJ
ajfti-5168	494	18	knowledge	knowledge	PROPN
ajfti-5168	494	19	,	,	PUNCT
ajfti-5168	494	20	7(2	7(2	NUM
ajfti-5168	494	21	)	)	PUNCT
ajfti-5168	494	22	,	,	PUNCT
ajfti-5168	494	23	100170	100170	NUM
ajfti-5168	494	24	.	.	PUNCT
ajfti-5168	495	1	https://doi.org/10.1016/j	https://doi.org/10.1016/j	NOUN
ajfti-5168	495	2	.	.	PUNCT
ajfti-5168	496	1	jik.2022.100170	jik.2022.100170	X
ajfti-5168	496	2	xuan	xuan	PROPN
ajfti-5168	496	3	,	,	PUNCT
ajfti-5168	496	4	c.	c.	PROPN
ajfti-5168	496	5	d.	d.	PROPN
ajfti-5168	496	6	,	,	PUNCT
ajfti-5168	496	7	duong	duong	PROPN
ajfti-5168	496	8	,	,	PUNCT
ajfti-5168	496	9	d.	d.	PROPN
ajfti-5168	496	10	,	,	PUNCT
ajfti-5168	496	11	&	&	CCONJ
ajfti-5168	496	12	dau	dau	PROPN
ajfti-5168	496	13	,	,	PUNCT
ajfti-5168	496	14	h.	h.	PROPN
ajfti-5168	496	15	x.	x.	PROPN
ajfti-5168	496	16	(	(	PUNCT
ajfti-5168	496	17	2021	2021	NUM
ajfti-5168	496	18	)	)	PUNCT
ajfti-5168	496	19	.	.	PUNCT
ajfti-5168	497	1	a	a	DET
ajfti-5168	497	2	multi	multi	ADJ
ajfti-5168	497	3	-	-	ADJ
ajfti-5168	497	4	layer	layer	ADJ
ajfti-5168	497	5	approach	approach	NOUN
ajfti-5168	497	6	for	for	ADP
ajfti-5168	497	7	advanced	advanced	ADJ
ajfti-5168	497	8	persistent	persistent	ADJ
ajfti-5168	497	9	threat	threat	NOUN
ajfti-5168	497	10	detection	detection	NOUN
ajfti-5168	497	11	using	use	VERB
ajfti-5168	497	12	machine	machine	NOUN
ajfti-5168	497	13	learning	learning	NOUN
ajfti-5168	497	14	based	base	VERB
ajfti-5168	497	15	on	on	ADP
ajfti-5168	497	16	network	network	NOUN
ajfti-5168	497	17	traffic	traffic	NOUN
ajfti-5168	497	18	.	.	PUNCT
ajfti-5168	498	1	journal	journal	PROPN
ajfti-5168	498	2	of	of	ADP
ajfti-5168	498	3	intelligent	intelligent	ADJ
ajfti-5168	498	4	&	&	CCONJ
ajfti-5168	498	5	fuzzy	fuzzy	ADJ
ajfti-5168	498	6	systems	system	NOUN
ajfti-5168	498	7	,	,	PUNCT
ajfti-5168	498	8	40(6	40(6	NOUN
ajfti-5168	498	9	)	)	PUNCT
ajfti-5168	498	10	,	,	PUNCT
ajfti-5168	498	11	11311	11311	NUM
ajfti-5168	498	12	-	-	SYM
ajfti-5168	498	13	11329	11329	NUM
ajfti-5168	498	14	.	.	PUNCT