id	sid	tid	token	lemma	pos
ajpdis-2241	1	1	520	520	NUM
ajpdis-2241	1	2	american	american	ADJ
ajpdis-2241	1	3	journal	journal	NOUN
ajpdis-2241	1	4	of	of	ADP
ajpdis-2241	1	5	public	public	ADJ
ajpdis-2241	1	6	diplomacy	diplomacy	NOUN
ajpdis-2241	1	7	and	and	CCONJ
ajpdis-2241	1	8	international	international	ADJ
ajpdis-2241	1	9	studies	study	NOUN
ajpdis-2241	1	10	www	www	PROPN
ajpdis-2241	1	11	.	.	PROPN
ajpdis-2241	2	1	grnjournal.us	grnjournal.us	PROPN
ajpdis-2241	2	2	american	american	PROPN
ajpdis-2241	2	3	journal	journal	PROPN
ajpdis-2241	2	4	of	of	ADP
ajpdis-2241	2	5	public	public	ADJ
ajpdis-2241	2	6	diplomacy	diplomacy	NOUN
ajpdis-2241	2	7	and	and	CCONJ
ajpdis-2241	2	8	international	international	ADJ
ajpdis-2241	2	9	studies	study	NOUN
ajpdis-2241	2	10	volume	volume	NOUN
ajpdis-2241	2	11	01	01	NUM
ajpdis-2241	2	12	,	,	PUNCT
ajpdis-2241	2	13	issue	issue	NOUN
ajpdis-2241	2	14	10	10	NUM
ajpdis-2241	2	15	,	,	PUNCT
ajpdis-2241	2	16	2023	2023	NUM
ajpdis-2241	2	17	issn	issn	X
ajpdis-2241	2	18	(	(	PUNCT
ajpdis-2241	2	19	e	e	NOUN
ajpdis-2241	2	20	):	):	PUNCT
ajpdis-2241	2	21	2993	2993	NUM
ajpdis-2241	2	22	-	-	SYM
ajpdis-2241	2	23	2157	2157	NUM
ajpdis-2241	2	24	development	development	NOUN
ajpdis-2241	2	25	of	of	ADP
ajpdis-2241	2	26	a	a	DET
ajpdis-2241	2	27	system	system	NOUN
ajpdis-2241	2	28	for	for	ADP
ajpdis-2241	2	29	automating	automate	VERB
ajpdis-2241	2	30	the	the	DET
ajpdis-2241	2	31	process	process	NOUN
ajpdis-2241	2	32	of	of	ADP
ajpdis-2241	2	33	lending	lending	NOUN
ajpdis-2241	2	34	to	to	ADP
ajpdis-2241	2	35	individuals	individual	NOUN
ajpdis-2241	2	36	in	in	ADP
ajpdis-2241	2	37	banks	bank	NOUN
ajpdis-2241	2	38	norboev	norboev	VERB
ajpdis-2241	2	39	bekhzod	bekhzod	PROPN
ajpdis-2241	2	40	master	master	NOUN
ajpdis-2241	2	41	's	's	PART
ajpdis-2241	2	42	1st	1st	ADJ
ajpdis-2241	2	43	stage	stage	NOUN
ajpdis-2241	2	44	student	student	NOUN
ajpdis-2241	2	45	,	,	PUNCT
ajpdis-2241	2	46	karshi	karshi	PROPN
ajpdis-2241	2	47	branch	branch	NOUN
ajpdis-2241	2	48	of	of	ADP
ajpdis-2241	2	49	the	the	DET
ajpdis-2241	2	50	tashkent	tashkent	PROPN
ajpdis-2241	2	51	university	university	PROPN
ajpdis-2241	2	52	of	of	ADP
ajpdis-2241	2	53	information	information	NOUN
ajpdis-2241	2	54	technologies	technologies	PROPN
ajpdis-2241	2	55	golib	golib	PROPN
ajpdis-2241	2	56	berdiev	berdiev	PROPN
ajpdis-2241	2	57	head	head	NOUN
ajpdis-2241	2	58	of	of	ADP
ajpdis-2241	2	59	the	the	DET
ajpdis-2241	2	60	department	department	PROPN
ajpdis-2241	2	61	of	of	ADP
ajpdis-2241	2	62	computer	computer	NOUN
ajpdis-2241	2	63	systems	system	NOUN
ajpdis-2241	2	64	karshi	karshi	PROPN
ajpdis-2241	2	65	branch	branch	PROPN
ajpdis-2241	2	66	of	of	ADP
ajpdis-2241	2	67	the	the	DET
ajpdis-2241	2	68	tashkent	tashkent	PROPN
ajpdis-2241	2	69	university	university	PROPN
ajpdis-2241	2	70	of	of	ADP
ajpdis-2241	2	71	information	information	NOUN
ajpdis-2241	2	72	technologies	technology	NOUN
ajpdis-2241	2	73	abstract	abstract	NOUN
ajpdis-2241	2	74	:	:	PUNCT
ajpdis-2241	2	75	numerous	numerous	ADJ
ajpdis-2241	2	76	software	software	NOUN
ajpdis-2241	2	77	programs	program	NOUN
ajpdis-2241	2	78	are	be	AUX
ajpdis-2241	2	79	available	available	ADJ
ajpdis-2241	2	80	in	in	ADP
ajpdis-2241	2	81	the	the	DET
ajpdis-2241	2	82	present	present	ADJ
ajpdis-2241	2	83	commercial	commercial	ADJ
ajpdis-2241	2	84	lending	lending	NOUN
ajpdis-2241	2	85	market	market	NOUN
ajpdis-2241	2	86	to	to	PART
ajpdis-2241	2	87	meet	meet	VERB
ajpdis-2241	2	88	the	the	DET
ajpdis-2241	2	89	needs	need	NOUN
ajpdis-2241	2	90	of	of	ADP
ajpdis-2241	2	91	both	both	CCONJ
ajpdis-2241	2	92	traditional	traditional	ADJ
ajpdis-2241	2	93	and	and	CCONJ
ajpdis-2241	2	94	non	non	ADJ
ajpdis-2241	2	95	-	-	ADJ
ajpdis-2241	2	96	traditional	traditional	ADJ
ajpdis-2241	2	97	lenders	lender	NOUN
ajpdis-2241	2	98	with	with	ADP
ajpdis-2241	2	99	regard	regard	NOUN
ajpdis-2241	2	100	to	to	ADP
ajpdis-2241	2	101	loan	loan	NOUN
ajpdis-2241	2	102	origination	origination	NOUN
ajpdis-2241	2	103	and	and	CCONJ
ajpdis-2241	2	104	credit	credit	NOUN
ajpdis-2241	2	105	assessment	assessment	NOUN
ajpdis-2241	2	106	.	.	PUNCT
ajpdis-2241	3	1	financial	financial	ADJ
ajpdis-2241	3	2	institutions	institution	NOUN
ajpdis-2241	3	3	are	be	AUX
ajpdis-2241	3	4	becoming	become	VERB
ajpdis-2241	3	5	more	more	ADV
ajpdis-2241	3	6	conscious	conscious	ADJ
ajpdis-2241	3	7	of	of	ADP
ajpdis-2241	3	8	how	how	SCONJ
ajpdis-2241	3	9	to	to	PART
ajpdis-2241	3	10	improve	improve	VERB
ajpdis-2241	3	11	these	these	DET
ajpdis-2241	3	12	aspects	aspect	NOUN
ajpdis-2241	3	13	of	of	ADP
ajpdis-2241	3	14	their	their	PRON
ajpdis-2241	3	15	operations	operation	NOUN
ajpdis-2241	3	16	in	in	ADP
ajpdis-2241	3	17	order	order	NOUN
ajpdis-2241	3	18	to	to	PART
ajpdis-2241	3	19	improve	improve	VERB
ajpdis-2241	3	20	client	client	NOUN
ajpdis-2241	3	21	satisfaction	satisfaction	NOUN
ajpdis-2241	3	22	and	and	CCONJ
ajpdis-2241	3	23	boost	boost	VERB
ajpdis-2241	3	24	productivity	productivity	NOUN
ajpdis-2241	3	25	,	,	PUNCT
ajpdis-2241	3	26	efficiency	efficiency	NOUN
ajpdis-2241	3	27	,	,	PUNCT
ajpdis-2241	3	28	and	and	CCONJ
ajpdis-2241	3	29	decision	decision	NOUN
ajpdis-2241	3	30	-	-	PUNCT
ajpdis-2241	3	31	making	make	VERB
ajpdis-2241	3	32	speed	speed	NOUN
ajpdis-2241	3	33	.	.	PUNCT
ajpdis-2241	4	1	the	the	DET
ajpdis-2241	4	2	newest	new	ADJ
ajpdis-2241	4	3	buzzword	buzzword	NOUN
ajpdis-2241	4	4	in	in	ADP
ajpdis-2241	4	5	the	the	DET
ajpdis-2241	4	6	industry	industry	NOUN
ajpdis-2241	4	7	is	be	AUX
ajpdis-2241	4	8	automation	automation	NOUN
ajpdis-2241	4	9	,	,	PUNCT
ajpdis-2241	4	10	but	but	CCONJ
ajpdis-2241	4	11	what	what	PRON
ajpdis-2241	4	12	does	do	AUX
ajpdis-2241	4	13	it	it	PRON
ajpdis-2241	4	14	really	really	ADV
ajpdis-2241	4	15	mean	mean	VERB
ajpdis-2241	4	16	?	?	PUNCT
ajpdis-2241	5	1	how	how	SCONJ
ajpdis-2241	5	2	might	might	AUX
ajpdis-2241	5	3	automation	automation	NOUN
ajpdis-2241	5	4	improve	improve	VERB
ajpdis-2241	5	5	client	client	NOUN
ajpdis-2241	5	6	satisfaction	satisfaction	NOUN
ajpdis-2241	5	7	,	,	PUNCT
ajpdis-2241	5	8	boost	boost	VERB
ajpdis-2241	5	9	lending	lending	NOUN
ajpdis-2241	5	10	officers	officer	NOUN
ajpdis-2241	5	11	'	'	PART
ajpdis-2241	5	12	efficiency	efficiency	NOUN
ajpdis-2241	5	13	,	,	PUNCT
ajpdis-2241	5	14	and	and	CCONJ
ajpdis-2241	5	15	expedite	expedite	VERB
ajpdis-2241	5	16	the	the	DET
ajpdis-2241	5	17	origination	origination	NOUN
ajpdis-2241	5	18	of	of	ADP
ajpdis-2241	5	19	commercial	commercial	ADJ
ajpdis-2241	5	20	loans	loan	NOUN
ajpdis-2241	5	21	?	?	PUNCT
ajpdis-2241	6	1	in	in	ADP
ajpdis-2241	6	2	order	order	NOUN
ajpdis-2241	6	3	to	to	PART
ajpdis-2241	6	4	show	show	VERB
ajpdis-2241	6	5	how	how	SCONJ
ajpdis-2241	6	6	automation	automation	NOUN
ajpdis-2241	6	7	may	may	AUX
ajpdis-2241	6	8	enhance	enhance	VERB
ajpdis-2241	6	9	and	and	CCONJ
ajpdis-2241	6	10	standardize	standardize	VERB
ajpdis-2241	6	11	underwriting	underwriting	NOUN
ajpdis-2241	6	12	methods	method	NOUN
ajpdis-2241	6	13	,	,	PUNCT
ajpdis-2241	6	14	we	we	PRON
ajpdis-2241	6	15	will	will	AUX
ajpdis-2241	6	16	look	look	VERB
ajpdis-2241	6	17	at	at	ADP
ajpdis-2241	6	18	each	each	DET
ajpdis-2241	6	19	step	step	NOUN
ajpdis-2241	6	20	of	of	ADP
ajpdis-2241	6	21	the	the	DET
ajpdis-2241	6	22	credit	credit	NOUN
ajpdis-2241	6	23	process	process	NOUN
ajpdis-2241	6	24	and	and	CCONJ
ajpdis-2241	6	25	discuss	discuss	VERB
ajpdis-2241	6	26	the	the	DET
ajpdis-2241	6	27	problems	problem	NOUN
ajpdis-2241	6	28	with	with	ADP
ajpdis-2241	6	29	traditional	traditional	ADJ
ajpdis-2241	6	30	lending	lending	NOUN
ajpdis-2241	6	31	techniques	technique	NOUN
ajpdis-2241	6	32	.	.	PUNCT
ajpdis-2241	7	1	introduction	introduction	NOUN
ajpdis-2241	7	2	the	the	DET
ajpdis-2241	7	3	internet	internet	NOUN
ajpdis-2241	7	4	and	and	CCONJ
ajpdis-2241	7	5	other	other	ADJ
ajpdis-2241	7	6	technological	technological	ADJ
ajpdis-2241	7	7	advancements	advancement	NOUN
ajpdis-2241	7	8	offer	offer	VERB
ajpdis-2241	7	9	financial	financial	ADJ
ajpdis-2241	7	10	institutions	institution	NOUN
ajpdis-2241	7	11	enormous	enormous	ADJ
ajpdis-2241	7	12	opportunity	opportunity	NOUN
ajpdis-2241	7	13	to	to	PART
ajpdis-2241	7	14	transform	transform	VERB
ajpdis-2241	7	15	the	the	DET
ajpdis-2241	7	16	way	way	NOUN
ajpdis-2241	7	17	they	they	PRON
ajpdis-2241	7	18	offer	offer	VERB
ajpdis-2241	7	19	their	their	PRON
ajpdis-2241	7	20	clients	client	NOUN
ajpdis-2241	7	21	goods	good	NOUN
ajpdis-2241	7	22	and	and	CCONJ
ajpdis-2241	7	23	services	service	NOUN
ajpdis-2241	7	24	.	.	PUNCT
ajpdis-2241	8	1	but	but	CCONJ
ajpdis-2241	8	2	neither	neither	CCONJ
ajpdis-2241	8	3	the	the	DET
ajpdis-2241	8	4	supply	supply	NOUN
ajpdis-2241	8	5	of	of	ADP
ajpdis-2241	8	6	services	service	NOUN
ajpdis-2241	8	7	nor	nor	CCONJ
ajpdis-2241	8	8	the	the	DET
ajpdis-2241	8	9	use	use	NOUN
ajpdis-2241	8	10	of	of	ADP
ajpdis-2241	8	11	technological	technological	ADJ
ajpdis-2241	8	12	devices	device	NOUN
ajpdis-2241	8	13	has	have	AUX
ajpdis-2241	8	14	progressed	progress	VERB
ajpdis-2241	8	15	as	as	SCONJ
ajpdis-2241	8	16	anticipated	anticipate	VERB
ajpdis-2241	8	17	[	[	X
ajpdis-2241	8	18	1	1	NUM
ajpdis-2241	8	19	]	]	PUNCT
ajpdis-2241	8	20	.	.	PUNCT
ajpdis-2241	9	1	this	this	PRON
ajpdis-2241	9	2	especially	especially	ADV
ajpdis-2241	9	3	holds	hold	VERB
ajpdis-2241	9	4	true	true	ADJ
ajpdis-2241	9	5	for	for	ADP
ajpdis-2241	9	6	the	the	DET
ajpdis-2241	9	7	loan	loan	NOUN
ajpdis-2241	9	8	industry	industry	NOUN
ajpdis-2241	9	9	.	.	PUNCT
ajpdis-2241	10	1	we	we	PRON
ajpdis-2241	10	2	think	think	VERB
ajpdis-2241	10	3	that	that	SCONJ
ajpdis-2241	10	4	if	if	SCONJ
ajpdis-2241	10	5	usage	usage	NOUN
ajpdis-2241	10	6	processes	process	NOUN
ajpdis-2241	10	7	of	of	ADP
ajpdis-2241	10	8	these	these	DET
ajpdis-2241	10	9	pages	page	NOUN
ajpdis-2241	10	10	are	be	AUX
ajpdis-2241	10	11	more	more	ADV
ajpdis-2241	10	12	thoroughly	thoroughly	ADV
ajpdis-2241	10	13	modelled	model	VERB
ajpdis-2241	10	14	,	,	PUNCT
ajpdis-2241	10	15	the	the	DET
ajpdis-2241	10	16	amount	amount	NOUN
ajpdis-2241	10	17	of	of	ADP
ajpdis-2241	10	18	technology	technology	NOUN
ajpdis-2241	10	19	used	use	VERB
ajpdis-2241	10	20	at	at	ADP
ajpdis-2241	10	21	the	the	DET
ajpdis-2241	10	22	front	front	ADJ
ajpdis-2241	10	23	end	end	NOUN
ajpdis-2241	10	24	of	of	ADP
ajpdis-2241	10	25	retail	retail	ADJ
ajpdis-2241	10	26	banking	banking	NOUN
ajpdis-2241	10	27	can	can	AUX
ajpdis-2241	10	28	be	be	AUX
ajpdis-2241	10	29	increased	increase	VERB
ajpdis-2241	10	30	.	.	PUNCT
ajpdis-2241	11	1	the	the	DET
ajpdis-2241	11	2	potential	potential	NOUN
ajpdis-2241	11	3	to	to	PART
ajpdis-2241	11	4	automate	automate	VERB
ajpdis-2241	11	5	more	more	ADJ
ajpdis-2241	11	6	processes	process	NOUN
ajpdis-2241	11	7	could	could	AUX
ajpdis-2241	11	8	aid	aid	VERB
ajpdis-2241	11	9	banks	bank	NOUN
ajpdis-2241	11	10	in	in	ADP
ajpdis-2241	11	11	revamping	revamp	VERB
ajpdis-2241	11	12	their	their	PRON
ajpdis-2241	11	13	marketing	marketing	NOUN
ajpdis-2241	11	14	strategies	strategy	NOUN
ajpdis-2241	11	15	and	and	CCONJ
ajpdis-2241	11	16	business	business	NOUN
ajpdis-2241	11	17	plans	plan	NOUN
ajpdis-2241	11	18	.	.	PUNCT
ajpdis-2241	12	1	overall	overall	ADV
ajpdis-2241	12	2	,	,	PUNCT
ajpdis-2241	12	3	we	we	PRON
ajpdis-2241	12	4	acknowledge	acknowledge	VERB
ajpdis-2241	12	5	that	that	SCONJ
ajpdis-2241	12	6	additional	additional	ADJ
ajpdis-2241	12	7	factors	factor	NOUN
ajpdis-2241	12	8	,	,	PUNCT
ajpdis-2241	12	9	such	such	ADJ
ajpdis-2241	12	10	as	as	ADP
ajpdis-2241	12	11	custom	custom	ADJ
ajpdis-2241	12	12	,	,	PUNCT
ajpdis-2241	12	13	widely	widely	ADV
ajpdis-2241	12	14	held	hold	VERB
ajpdis-2241	12	15	beliefs	belief	NOUN
ajpdis-2241	12	16	about	about	ADP
ajpdis-2241	12	17	the	the	DET
ajpdis-2241	12	18	use	use	NOUN
ajpdis-2241	12	19	of	of	ADP
ajpdis-2241	12	20	technology	technology	NOUN
ajpdis-2241	12	21	in	in	ADP
ajpdis-2241	12	22	banking	banking	NOUN
ajpdis-2241	12	23	,	,	PUNCT
ajpdis-2241	12	24	or	or	CCONJ
ajpdis-2241	12	25	the	the	DET
ajpdis-2241	12	26	specific	specific	ADJ
ajpdis-2241	12	27	bank	bank	NOUN
ajpdis-2241	12	28	's	's	PART
ajpdis-2241	12	29	profile	profile	NOUN
ajpdis-2241	12	30	and	and	CCONJ
ajpdis-2241	12	31	intended	intend	VERB
ajpdis-2241	12	32	strategic	strategic	ADJ
ajpdis-2241	12	33	market	market	NOUN
ajpdis-2241	12	34	position	position	NOUN
ajpdis-2241	12	35	,	,	PUNCT
ajpdis-2241	12	36	should	should	AUX
ajpdis-2241	12	37	be	be	AUX
ajpdis-2241	12	38	taken	take	VERB
ajpdis-2241	12	39	into	into	ADP
ajpdis-2241	12	40	account	account	NOUN
ajpdis-2241	12	41	with	with	ADP
ajpdis-2241	12	42	this	this	DET
ajpdis-2241	12	43	redesign	redesign	NOUN
ajpdis-2241	12	44	issue	issue	NOUN
ajpdis-2241	12	45	.	.	PUNCT
ajpdis-2241	13	1	but	but	CCONJ
ajpdis-2241	13	2	we	we	PRON
ajpdis-2241	13	3	ignore	ignore	VERB
ajpdis-2241	13	4	these	these	PRON
ajpdis-2241	13	5	in	in	ADP
ajpdis-2241	13	6	favor	favor	NOUN
ajpdis-2241	13	7	of	of	ADP
ajpdis-2241	13	8	the	the	DET
ajpdis-2241	13	9	technical	technical	ADJ
ajpdis-2241	13	10	ones	one	NOUN
ajpdis-2241	13	11	;	;	PUNCT
ajpdis-2241	13	12	that	that	PRON
ajpdis-2241	13	13	is	is	ADV
ajpdis-2241	13	14	,	,	PUNCT
ajpdis-2241	13	15	we	we	PRON
ajpdis-2241	13	16	limit	limit	VERB
ajpdis-2241	13	17	this	this	DET
ajpdis-2241	13	18	paper	paper	NOUN
ajpdis-2241	13	19	to	to	ADP
ajpdis-2241	13	20	doability	doability	NOUN
ajpdis-2241	13	21	.	.	PUNCT
ajpdis-2241	14	1	we	we	PRON
ajpdis-2241	14	2	think	think	VERB
ajpdis-2241	14	3	that	that	SCONJ
ajpdis-2241	14	4	shortcomings	shortcoming	NOUN
ajpdis-2241	14	5	in	in	ADP
ajpdis-2241	14	6	the	the	DET
ajpdis-2241	14	7	applied	apply	VERB
ajpdis-2241	14	8	development	development	NOUN
ajpdis-2241	14	9	methodologies	methodology	NOUN
ajpdis-2241	14	10	contribute	contribute	VERB
ajpdis-2241	14	11	to	to	ADP
ajpdis-2241	14	12	the	the	DET
ajpdis-2241	14	13	poor	poor	ADJ
ajpdis-2241	14	14	growth	growth	NOUN
ajpdis-2241	14	15	of	of	ADP
ajpdis-2241	14	16	technology	technology	NOUN
ajpdis-2241	14	17	utilization	utilization	NOUN
ajpdis-2241	14	18	in	in	ADP
ajpdis-2241	14	19	lending	lending	NOUN
ajpdis-2241	14	20	.	.	PUNCT
ajpdis-2241	15	1	sophisticated	sophisticated	ADJ
ajpdis-2241	15	2	development	development	NOUN
ajpdis-2241	15	3	approaches	approach	NOUN
ajpdis-2241	15	4	for	for	ADP
ajpdis-2241	15	5	web	web	NOUN
ajpdis-2241	15	6	-	-	PUNCT
ajpdis-2241	15	7	based	base	VERB
ajpdis-2241	15	8	information	information	NOUN
ajpdis-2241	15	9	systems	system	NOUN
ajpdis-2241	15	10	(	(	PUNCT
ajpdis-2241	15	11	wis	wis	NOUN
ajpdis-2241	15	12	)	)	PUNCT
ajpdis-2241	15	13	have	have	AUX
ajpdis-2241	15	14	received	receive	VERB
ajpdis-2241	15	15	a	a	DET
ajpdis-2241	15	16	great	great	ADJ
ajpdis-2241	15	17	deal	deal	NOUN
ajpdis-2241	15	18	of	of	ADP
ajpdis-2241	15	19	attention	attention	NOUN
ajpdis-2241	15	20	[	[	X
ajpdis-2241	15	21	2	2	NUM
ajpdis-2241	15	22	]	]	PUNCT
ajpdis-2241	15	23	.	.	PUNCT
ajpdis-2241	16	1	the	the	DET
ajpdis-2241	16	2	difference	difference	NOUN
ajpdis-2241	16	3	between	between	ADP
ajpdis-2241	16	4	applicable	applicable	ADJ
ajpdis-2241	16	5	and	and	CCONJ
ajpdis-2241	16	6	truly	truly	ADV
ajpdis-2241	16	7	applied	apply	VERB
ajpdis-2241	16	8	technology	technology	NOUN
ajpdis-2241	16	9	is	be	AUX
ajpdis-2241	16	10	substantial	substantial	ADJ
ajpdis-2241	16	11	.	.	PUNCT
ajpdis-2241	17	1	certain	certain	ADJ
ajpdis-2241	17	2	development	development	NOUN
ajpdis-2241	17	3	methodologies	methodology	NOUN
ajpdis-2241	17	4	still	still	ADV
ajpdis-2241	17	5	fail	fail	VERB
ajpdis-2241	17	6	to	to	PART
ajpdis-2241	17	7	provide	provide	VERB
ajpdis-2241	17	8	developers	developer	NOUN
ajpdis-2241	17	9	with	with	ADP
ajpdis-2241	17	10	adequate	adequate	ADJ
ajpdis-2241	17	11	guidance	guidance	NOUN
ajpdis-2241	17	12	when	when	SCONJ
ajpdis-2241	17	13	it	it	PRON
ajpdis-2241	17	14	comes	come	VERB
ajpdis-2241	17	15	to	to	ADP
ajpdis-2241	17	16	identifying	identify	VERB
ajpdis-2241	17	17	and	and	CCONJ
ajpdis-2241	17	18	aligning	align	VERB
ajpdis-2241	17	19	the	the	DET
ajpdis-2241	17	20	business	business	NOUN
ajpdis-2241	17	21	model	model	NOUN
ajpdis-2241	17	22	with	with	ADP
ajpdis-2241	17	23	the	the	DET
ajpdis-2241	17	24	logical	logical	ADJ
ajpdis-2241	17	25	model	model	NOUN
ajpdis-2241	17	26	that	that	PRON
ajpdis-2241	17	27	describes	describe	VERB
ajpdis-2241	17	28	the	the	DET
ajpdis-2241	17	29	system	system	NOUN
ajpdis-2241	17	30	that	that	PRON
ajpdis-2241	17	31	is	be	AUX
ajpdis-2241	17	32	being	be	AUX
ajpdis-2241	17	33	developed	develop	VERB
ajpdis-2241	17	34	.	.	PUNCT
ajpdis-2241	18	1	storyboarding	storyboarde	VERB
ajpdis-2241	18	2	was	be	AUX
ajpdis-2241	18	3	employed	employ	VERB
ajpdis-2241	18	4	for	for	ADP
ajpdis-2241	18	5	this	this	DET
ajpdis-2241	18	6	purpose	purpose	NOUN
ajpdis-2241	18	7	in	in	ADP
ajpdis-2241	18	8	[	[	X
ajpdis-2241	18	9	3	3	NUM
ajpdis-2241	18	10	]	]	PUNCT
ajpdis-2241	18	11	.	.	PUNCT
ajpdis-2241	19	1	getting	get	VERB
ajpdis-2241	19	2	the	the	DET
ajpdis-2241	19	3	business	business	NOUN
ajpdis-2241	19	4	model	model	NOUN
ajpdis-2241	19	5	and	and	CCONJ
ajpdis-2241	19	6	the	the	DET
ajpdis-2241	19	7	procedures	procedure	NOUN
ajpdis-2241	19	8	that	that	PRON
ajpdis-2241	19	9	the	the	DET
ajpdis-2241	19	10	521	521	NUM
ajpdis-2241	19	11	american	american	ADJ
ajpdis-2241	19	12	journal	journal	PROPN
ajpdis-2241	19	13	of	of	ADP
ajpdis-2241	19	14	public	public	ADJ
ajpdis-2241	19	15	diplomacy	diplomacy	NOUN
ajpdis-2241	19	16	and	and	CCONJ
ajpdis-2241	19	17	international	international	ADJ
ajpdis-2241	19	18	studies	study	NOUN
ajpdis-2241	19	19	www	www	PROPN
ajpdis-2241	19	20	.	.	PUNCT
ajpdis-2241	20	1	grnjournal.us	grnjournal.us	X
ajpdis-2241	20	2	wis	wis	PROPN
ajpdis-2241	20	3	will	will	AUX
ajpdis-2241	20	4	enable	enable	VERB
ajpdis-2241	20	5	are	be	AUX
ajpdis-2241	20	6	the	the	DET
ajpdis-2241	20	7	main	main	ADJ
ajpdis-2241	20	8	goals	goal	NOUN
ajpdis-2241	20	9	of	of	ADP
ajpdis-2241	20	10	storyboarding	storyboarde	VERB
ajpdis-2241	20	11	.	.	PUNCT
ajpdis-2241	21	1	it	it	PRON
ajpdis-2241	21	2	calls	call	VERB
ajpdis-2241	21	3	for	for	ADP
ajpdis-2241	21	4	the	the	DET
ajpdis-2241	21	5	identification	identification	NOUN
ajpdis-2241	21	6	and	and	CCONJ
ajpdis-2241	21	7	modeling	modeling	NOUN
ajpdis-2241	21	8	of	of	ADP
ajpdis-2241	21	9	the	the	DET
ajpdis-2241	21	10	numerous	numerous	ADJ
ajpdis-2241	21	11	anticipated	anticipated	ADJ
ajpdis-2241	21	12	consumer	consumer	NOUN
ajpdis-2241	21	13	types	type	NOUN
ajpdis-2241	21	14	for	for	ADP
ajpdis-2241	21	15	the	the	DET
ajpdis-2241	21	16	bank	bank	NOUN
ajpdis-2241	21	17	.	.	PUNCT
ajpdis-2241	22	1	lastly	lastly	ADV
ajpdis-2241	22	2	,	,	PUNCT
ajpdis-2241	22	3	story	story	NOUN
ajpdis-2241	22	4	boarding	boarding	NOUN
ajpdis-2241	22	5	aids	aid	NOUN
ajpdis-2241	22	6	in	in	ADP
ajpdis-2241	22	7	defining	define	VERB
ajpdis-2241	22	8	the	the	DET
ajpdis-2241	22	9	operations	operation	NOUN
ajpdis-2241	22	10	,	,	PUNCT
ajpdis-2241	22	11	dialogues	dialogue	NOUN
ajpdis-2241	22	12	that	that	PRON
ajpdis-2241	22	13	consumers	consumer	NOUN
ajpdis-2241	22	14	are	be	AUX
ajpdis-2241	22	15	likely	likely	ADJ
ajpdis-2241	22	16	to	to	PART
ajpdis-2241	22	17	utilize	utilize	VERB
ajpdis-2241	22	18	,	,	PUNCT
ajpdis-2241	22	19	and	and	CCONJ
ajpdis-2241	22	20	the	the	DET
ajpdis-2241	22	21	data	datum	NOUN
ajpdis-2241	22	22	(	(	PUNCT
ajpdis-2241	22	23	and	and	CCONJ
ajpdis-2241	22	24	perspectives	perspective	NOUN
ajpdis-2241	22	25	)	)	PUNCT
ajpdis-2241	22	26	.	.	PUNCT
ajpdis-2241	23	1	it	it	PRON
ajpdis-2241	23	2	is	be	AUX
ajpdis-2241	23	3	obvious	obvious	ADJ
ajpdis-2241	23	4	that	that	SCONJ
ajpdis-2241	23	5	having	have	VERB
ajpdis-2241	23	6	access	access	NOUN
ajpdis-2241	23	7	to	to	ADP
ajpdis-2241	23	8	the	the	DET
ajpdis-2241	23	9	necessary	necessary	ADJ
ajpdis-2241	23	10	data	datum	NOUN
ajpdis-2241	23	11	is	be	AUX
ajpdis-2241	23	12	necessary	necessary	ADJ
ajpdis-2241	23	13	in	in	ADP
ajpdis-2241	23	14	order	order	NOUN
ajpdis-2241	23	15	to	to	PART
ajpdis-2241	23	16	be	be	AUX
ajpdis-2241	23	17	able	able	ADJ
ajpdis-2241	23	18	to	to	PART
ajpdis-2241	23	19	boost	boost	VERB
ajpdis-2241	23	20	automation	automation	NOUN
ajpdis-2241	23	21	.	.	PUNCT
ajpdis-2241	24	1	evaluating	evaluate	VERB
ajpdis-2241	24	2	a	a	DET
ajpdis-2241	24	3	business	business	NOUN
ajpdis-2241	24	4	's	's	PART
ajpdis-2241	24	5	creditworthiness	creditworthiness	NOUN
ajpdis-2241	24	6	can	can	AUX
ajpdis-2241	24	7	be	be	AUX
ajpdis-2241	24	8	a	a	DET
ajpdis-2241	24	9	difficult	difficult	ADJ
ajpdis-2241	24	10	undertaking	undertaking	NOUN
ajpdis-2241	24	11	.	.	PUNCT
ajpdis-2241	25	1	the	the	DET
ajpdis-2241	25	2	instruments	instrument	NOUN
ajpdis-2241	25	3	a	a	DET
ajpdis-2241	25	4	financial	financial	ADJ
ajpdis-2241	25	5	institution	institution	NOUN
ajpdis-2241	25	6	employs	employ	VERB
ajpdis-2241	25	7	to	to	PART
ajpdis-2241	25	8	accomplish	accomplish	VERB
ajpdis-2241	25	9	this	this	PRON
ajpdis-2241	25	10	can	can	AUX
ajpdis-2241	25	11	affect	affect	VERB
ajpdis-2241	25	12	underwriting	underwriting	NOUN
ajpdis-2241	25	13	criteria	criterion	NOUN
ajpdis-2241	25	14	,	,	PUNCT
ajpdis-2241	25	15	prompt	prompt	ADJ
ajpdis-2241	25	16	approval	approval	NOUN
ajpdis-2241	25	17	,	,	PUNCT
ajpdis-2241	25	18	expenses	expense	NOUN
ajpdis-2241	25	19	,	,	PUNCT
ajpdis-2241	25	20	and	and	CCONJ
ajpdis-2241	25	21	the	the	DET
ajpdis-2241	25	22	amount	amount	NOUN
ajpdis-2241	25	23	of	of	ADP
ajpdis-2241	25	24	any	any	DET
ajpdis-2241	25	25	unforeseen	unforeseen	ADJ
ajpdis-2241	25	26	losses	loss	NOUN
ajpdis-2241	25	27	.	.	PUNCT
ajpdis-2241	26	1	financial	financial	ADJ
ajpdis-2241	26	2	organizations	organization	NOUN
ajpdis-2241	26	3	are	be	AUX
ajpdis-2241	26	4	seeking	seek	VERB
ajpdis-2241	26	5	applications	application	NOUN
ajpdis-2241	26	6	that	that	PRON
ajpdis-2241	26	7	will	will	AUX
ajpdis-2241	26	8	enable	enable	VERB
ajpdis-2241	26	9	them	they	PRON
ajpdis-2241	26	10	to	to	PART
ajpdis-2241	26	11	overcome	overcome	VERB
ajpdis-2241	26	12	these	these	DET
ajpdis-2241	26	13	obstacles	obstacle	NOUN
ajpdis-2241	26	14	,	,	PUNCT
ajpdis-2241	26	15	improve	improve	VERB
ajpdis-2241	26	16	the	the	DET
ajpdis-2241	26	17	quality	quality	NOUN
ajpdis-2241	26	18	of	of	ADP
ajpdis-2241	26	19	the	the	DET
ajpdis-2241	26	20	loan	loan	NOUN
ajpdis-2241	26	21	portfolio	portfolio	NOUN
ajpdis-2241	26	22	,	,	PUNCT
ajpdis-2241	26	23	and	and	CCONJ
ajpdis-2241	26	24	satisfy	satisfy	VERB
ajpdis-2241	26	25	customers	customer	NOUN
ajpdis-2241	26	26	by	by	ADP
ajpdis-2241	26	27	automating	automate	VERB
ajpdis-2241	26	28	and	and	CCONJ
ajpdis-2241	26	29	streamlining	streamline	VERB
ajpdis-2241	26	30	the	the	DET
ajpdis-2241	26	31	lending	lending	NOUN
ajpdis-2241	26	32	process	process	NOUN
ajpdis-2241	26	33	.	.	PUNCT
ajpdis-2241	27	1	2	2	NUM
ajpdis-2241	27	2	lending	lending	NOUN
ajpdis-2241	27	3	lending	lending	NOUN
ajpdis-2241	27	4	is	be	AUX
ajpdis-2241	27	5	generally	generally	ADV
ajpdis-2241	27	6	used	use	VERB
ajpdis-2241	27	7	to	to	PART
ajpdis-2241	27	8	refer	refer	VERB
ajpdis-2241	27	9	to	to	ADP
ajpdis-2241	27	10	the	the	DET
ajpdis-2241	27	11	portion	portion	NOUN
ajpdis-2241	27	12	of	of	ADP
ajpdis-2241	27	13	banking	banking	NOUN
ajpdis-2241	27	14	that	that	PRON
ajpdis-2241	27	15	produces	produce	VERB
ajpdis-2241	27	16	assets	asset	NOUN
ajpdis-2241	27	17	that	that	PRON
ajpdis-2241	27	18	are	be	AUX
ajpdis-2241	27	19	shown	show	VERB
ajpdis-2241	27	20	on	on	ADP
ajpdis-2241	27	21	the	the	DET
ajpdis-2241	27	22	balance	balance	NOUN
ajpdis-2241	27	23	sheet	sheet	NOUN
ajpdis-2241	27	24	.	.	PUNCT
ajpdis-2241	28	1	lending	lending	NOUN
ajpdis-2241	28	2	,	,	PUNCT
ajpdis-2241	28	3	more	more	ADV
ajpdis-2241	28	4	precisely	precisely	ADV
ajpdis-2241	28	5	,	,	PUNCT
ajpdis-2241	28	6	is	be	AUX
ajpdis-2241	28	7	the	the	DET
ajpdis-2241	28	8	branch	branch	NOUN
ajpdis-2241	28	9	of	of	ADP
ajpdis-2241	28	10	banking	banking	NOUN
ajpdis-2241	28	11	that	that	PRON
ajpdis-2241	28	12	deals	deal	VERB
ajpdis-2241	28	13	with	with	ADP
ajpdis-2241	28	14	loans	loan	NOUN
ajpdis-2241	28	15	,	,	PUNCT
ajpdis-2241	28	16	mortgages	mortgage	NOUN
ajpdis-2241	28	17	,	,	PUNCT
ajpdis-2241	28	18	bills	bill	NOUN
ajpdis-2241	28	19	of	of	ADP
ajpdis-2241	28	20	exchange	exchange	NOUN
ajpdis-2241	28	21	,	,	PUNCT
ajpdis-2241	28	22	and	and	CCONJ
ajpdis-2241	28	23	the	the	DET
ajpdis-2241	28	24	like	like	ADJ
ajpdis-2241	28	25	.	.	PUNCT
ajpdis-2241	29	1	thus	thus	ADV
ajpdis-2241	29	2	,	,	PUNCT
ajpdis-2241	29	3	the	the	DET
ajpdis-2241	29	4	central	central	ADJ
ajpdis-2241	29	5	function	function	NOUN
ajpdis-2241	29	6	of	of	ADP
ajpdis-2241	29	7	banking	banking	NOUN
ajpdis-2241	29	8	is	be	AUX
ajpdis-2241	29	9	lending	lend	VERB
ajpdis-2241	29	10	.	.	PUNCT
ajpdis-2241	30	1	therefore	therefore	ADV
ajpdis-2241	30	2	,	,	PUNCT
ajpdis-2241	30	3	having	have	VERB
ajpdis-2241	30	4	the	the	DET
ajpdis-2241	30	5	ability	ability	NOUN
ajpdis-2241	30	6	to	to	PART
ajpdis-2241	30	7	potentially	potentially	ADV
ajpdis-2241	30	8	increase	increase	VERB
ajpdis-2241	30	9	automation	automation	NOUN
ajpdis-2241	30	10	is	be	AUX
ajpdis-2241	30	11	crucial	crucial	ADJ
ajpdis-2241	30	12	.	.	PUNCT
ajpdis-2241	31	1	as	as	SCONJ
ajpdis-2241	31	2	these	these	PRON
ajpdis-2241	31	3	would	would	AUX
ajpdis-2241	31	4	be	be	AUX
ajpdis-2241	31	5	expected	expect	VERB
ajpdis-2241	31	6	to	to	PART
ajpdis-2241	31	7	occur	occur	VERB
ajpdis-2241	31	8	in	in	ADP
ajpdis-2241	31	9	automated	automate	VERB
ajpdis-2241	31	10	business	business	NOUN
ajpdis-2241	31	11	,	,	PUNCT
ajpdis-2241	31	12	retail	retail	ADJ
ajpdis-2241	31	13	banking	banking	NOUN
ajpdis-2241	31	14	in	in	ADP
ajpdis-2241	31	15	particular	particular	ADJ
ajpdis-2241	31	16	,	,	PUNCT
ajpdis-2241	31	17	which	which	PRON
ajpdis-2241	31	18	is	be	AUX
ajpdis-2241	31	19	bulk	bulk	ADJ
ajpdis-2241	31	20	business	business	NOUN
ajpdis-2241	31	21	,	,	PUNCT
ajpdis-2241	31	22	could	could	AUX
ajpdis-2241	31	23	benefit	benefit	VERB
ajpdis-2241	31	24	from	from	ADP
ajpdis-2241	31	25	increased	increase	VERB
ajpdis-2241	31	26	availability	availability	NOUN
ajpdis-2241	31	27	,	,	PUNCT
ajpdis-2241	31	28	correctness	correctness	NOUN
ajpdis-2241	31	29	,	,	PUNCT
ajpdis-2241	31	30	accuracy	accuracy	NOUN
ajpdis-2241	31	31	,	,	PUNCT
ajpdis-2241	31	32	precision	precision	NOUN
ajpdis-2241	31	33	,	,	PUNCT
ajpdis-2241	31	34	and	and	CCONJ
ajpdis-2241	31	35	speed	speed	NOUN
ajpdis-2241	31	36	.	.	PUNCT
ajpdis-2241	32	1	as	as	ADP
ajpdis-2241	32	2	per	per	ADP
ajpdis-2241	32	3	reference	reference	NOUN
ajpdis-2241	32	4	[	[	X
ajpdis-2241	32	5	4	4	NUM
ajpdis-2241	32	6	]	]	PUNCT
ajpdis-2241	32	7	,	,	PUNCT
ajpdis-2241	32	8	a	a	DET
ajpdis-2241	32	9	loan	loan	NOUN
ajpdis-2241	32	10	can	can	AUX
ajpdis-2241	32	11	be	be	AUX
ajpdis-2241	32	12	defined	define	VERB
ajpdis-2241	32	13	as	as	ADP
ajpdis-2241	32	14	the	the	DET
ajpdis-2241	32	15	"	"	PUNCT
ajpdis-2241	32	16	relinquishment	relinquishment	NOUN
ajpdis-2241	32	17	of	of	ADP
ajpdis-2241	32	18	money	money	NOUN
ajpdis-2241	32	19	or	or	CCONJ
ajpdis-2241	32	20	other	other	ADJ
ajpdis-2241	32	21	fungible	fungible	ADJ
ajpdis-2241	32	22	properties	property	NOUN
ajpdis-2241	32	23	associated	associate	VERB
ajpdis-2241	32	24	with	with	ADP
ajpdis-2241	32	25	the	the	DET
ajpdis-2241	32	26	debtor	debtor	NOUN
ajpdis-2241	32	27	's	's	PART
ajpdis-2241	32	28	obligation	obligation	NOUN
ajpdis-2241	32	29	to	to	PART
ajpdis-2241	32	30	return	return	VERB
ajpdis-2241	32	31	the	the	DET
ajpdis-2241	32	32	relinquished	relinquished	ADJ
ajpdis-2241	32	33	in	in	ADP
ajpdis-2241	32	34	equal	equal	ADJ
ajpdis-2241	32	35	kind	kind	NOUN
ajpdis-2241	32	36	,	,	PUNCT
ajpdis-2241	32	37	quality	quality	NOUN
ajpdis-2241	32	38	,	,	PUNCT
ajpdis-2241	32	39	and	and	CCONJ
ajpdis-2241	32	40	quantity	quantity	NOUN
ajpdis-2241	32	41	.	.	PUNCT
ajpdis-2241	32	42	"	"	PUNCT
ajpdis-2241	33	1	here	here	ADV
ajpdis-2241	33	2	,	,	PUNCT
ajpdis-2241	33	3	a	a	DET
ajpdis-2241	33	4	loan	loan	NOUN
ajpdis-2241	33	5	process	process	NOUN
ajpdis-2241	33	6	is	be	AUX
ajpdis-2241	33	7	defined	define	VERB
ajpdis-2241	33	8	as	as	ADP
ajpdis-2241	33	9	an	an	DET
ajpdis-2241	33	10	example	example	NOUN
ajpdis-2241	33	11	of	of	ADP
ajpdis-2241	33	12	how	how	SCONJ
ajpdis-2241	33	13	a	a	DET
ajpdis-2241	33	14	loan	loan	NOUN
ajpdis-2241	33	15	is	be	AUX
ajpdis-2241	33	16	handled	handle	VERB
ajpdis-2241	33	17	.	.	PUNCT
ajpdis-2241	34	1	2.1	2.1	NUM
ajpdis-2241	34	2	loan	loan	NOUN
ajpdis-2241	34	3	processes	process	NOUN
ajpdis-2241	34	4	many	many	ADJ
ajpdis-2241	34	5	lenders	lender	NOUN
ajpdis-2241	34	6	still	still	ADV
ajpdis-2241	34	7	rely	rely	VERB
ajpdis-2241	34	8	on	on	ADP
ajpdis-2241	34	9	manual	manual	ADJ
ajpdis-2241	34	10	and	and	CCONJ
ajpdis-2241	34	11	paper	paper	NOUN
ajpdis-2241	34	12	-	-	PUNCT
ajpdis-2241	34	13	based	base	VERB
ajpdis-2241	34	14	loan	loan	NOUN
ajpdis-2241	34	15	approval	approval	NOUN
ajpdis-2241	34	16	processes	process	NOUN
ajpdis-2241	34	17	,	,	PUNCT
ajpdis-2241	34	18	causing	cause	VERB
ajpdis-2241	34	19	delays	delay	NOUN
ajpdis-2241	34	20	and	and	CCONJ
ajpdis-2241	34	21	internal	internal	ADJ
ajpdis-2241	34	22	data	datum	NOUN
ajpdis-2241	34	23	management	management	NOUN
ajpdis-2241	34	24	issues	issue	NOUN
ajpdis-2241	34	25	.	.	PUNCT
ajpdis-2241	35	1	commercial	commercial	ADJ
ajpdis-2241	35	2	loans	loan	NOUN
ajpdis-2241	35	3	,	,	PUNCT
ajpdis-2241	35	4	which	which	PRON
ajpdis-2241	35	5	vary	vary	VERB
ajpdis-2241	35	6	in	in	ADP
ajpdis-2241	35	7	size	size	NOUN
ajpdis-2241	35	8	and	and	CCONJ
ajpdis-2241	35	9	complexity	complexity	NOUN
ajpdis-2241	35	10	,	,	PUNCT
ajpdis-2241	35	11	often	often	ADV
ajpdis-2241	35	12	undergo	undergo	VERB
ajpdis-2241	35	13	manual	manual	ADJ
ajpdis-2241	35	14	underwriting	underwriting	NOUN
ajpdis-2241	35	15	using	use	VERB
ajpdis-2241	35	16	tools	tool	NOUN
ajpdis-2241	35	17	like	like	ADP
ajpdis-2241	35	18	spreadsheets	spreadsheet	NOUN
ajpdis-2241	35	19	.	.	PUNCT
ajpdis-2241	36	1	however	however	ADV
ajpdis-2241	36	2	,	,	PUNCT
ajpdis-2241	36	3	using	use	VERB
ajpdis-2241	36	4	spreadsheets	spreadsheet	NOUN
ajpdis-2241	36	5	for	for	ADP
ajpdis-2241	36	6	loan	loan	NOUN
ajpdis-2241	36	7	underwriting	underwriting	NOUN
ajpdis-2241	36	8	can	can	AUX
ajpdis-2241	36	9	be	be	AUX
ajpdis-2241	36	10	cumbersome	cumbersome	ADJ
ajpdis-2241	36	11	,	,	PUNCT
ajpdis-2241	36	12	leading	lead	VERB
ajpdis-2241	36	13	to	to	ADP
ajpdis-2241	36	14	time	time	NOUN
ajpdis-2241	36	15	-	-	PUNCT
ajpdis-2241	36	16	consuming	consume	VERB
ajpdis-2241	36	17	data	datum	NOUN
ajpdis-2241	36	18	entry	entry	NOUN
ajpdis-2241	36	19	and	and	CCONJ
ajpdis-2241	36	20	potential	potential	ADJ
ajpdis-2241	36	21	loss	loss	NOUN
ajpdis-2241	36	22	of	of	ADP
ajpdis-2241	36	23	uniformity	uniformity	NOUN
ajpdis-2241	36	24	.	.	PUNCT
ajpdis-2241	37	1	additionally	additionally	ADV
ajpdis-2241	37	2	,	,	PUNCT
ajpdis-2241	37	3	the	the	DET
ajpdis-2241	37	4	transfer	transfer	NOUN
ajpdis-2241	37	5	of	of	ADP
ajpdis-2241	37	6	data	datum	NOUN
ajpdis-2241	37	7	from	from	ADP
ajpdis-2241	37	8	spreadsheets	spreadsheet	NOUN
ajpdis-2241	37	9	to	to	ADP
ajpdis-2241	37	10	other	other	ADJ
ajpdis-2241	37	11	core	core	NOUN
ajpdis-2241	37	12	systems	system	NOUN
ajpdis-2241	37	13	may	may	AUX
ajpdis-2241	37	14	result	result	VERB
ajpdis-2241	37	15	in	in	ADP
ajpdis-2241	37	16	duplicate	duplicate	ADJ
ajpdis-2241	37	17	records	record	NOUN
ajpdis-2241	37	18	and	and	CCONJ
ajpdis-2241	37	19	storage	storage	NOUN
ajpdis-2241	37	20	inefficiencies	inefficiency	NOUN
ajpdis-2241	37	21	.	.	PUNCT
ajpdis-2241	38	1	manual	manual	ADJ
ajpdis-2241	38	2	underwriting	underwriting	NOUN
ajpdis-2241	38	3	lacks	lack	VERB
ajpdis-2241	38	4	consistency	consistency	NOUN
ajpdis-2241	38	5	,	,	PUNCT
ajpdis-2241	38	6	auditability	auditability	NOUN
ajpdis-2241	38	7	,	,	PUNCT
ajpdis-2241	38	8	and	and	CCONJ
ajpdis-2241	38	9	accuracy	accuracy	NOUN
ajpdis-2241	38	10	,	,	PUNCT
ajpdis-2241	38	11	posing	pose	VERB
ajpdis-2241	38	12	challenges	challenge	NOUN
ajpdis-2241	38	13	for	for	ADP
ajpdis-2241	38	14	bankers	banker	NOUN
ajpdis-2241	38	15	and	and	CCONJ
ajpdis-2241	38	16	causing	cause	VERB
ajpdis-2241	38	17	opacity	opacity	NOUN
ajpdis-2241	38	18	for	for	ADP
ajpdis-2241	38	19	management	management	NOUN
ajpdis-2241	38	20	and	and	CCONJ
ajpdis-2241	38	21	external	external	ADJ
ajpdis-2241	38	22	examiners	examiner	NOUN
ajpdis-2241	38	23	.	.	PUNCT
ajpdis-2241	39	1	automation	automation	NOUN
ajpdis-2241	39	2	is	be	AUX
ajpdis-2241	39	3	proposed	propose	VERB
ajpdis-2241	39	4	as	as	ADP
ajpdis-2241	39	5	a	a	DET
ajpdis-2241	39	6	solution	solution	NOUN
ajpdis-2241	39	7	to	to	PART
ajpdis-2241	39	8	streamline	streamline	VERB
ajpdis-2241	39	9	systems	system	NOUN
ajpdis-2241	39	10	,	,	PUNCT
ajpdis-2241	39	11	ensure	ensure	VERB
ajpdis-2241	39	12	reliable	reliable	ADJ
ajpdis-2241	39	13	data	datum	NOUN
ajpdis-2241	39	14	flow	flow	NOUN
ajpdis-2241	39	15	,	,	PUNCT
ajpdis-2241	39	16	expedite	expedite	VERB
ajpdis-2241	39	17	the	the	DET
ajpdis-2241	39	18	loan	loan	NOUN
ajpdis-2241	39	19	origination	origination	NOUN
ajpdis-2241	39	20	process	process	NOUN
ajpdis-2241	39	21	,	,	PUNCT
ajpdis-2241	39	22	and	and	CCONJ
ajpdis-2241	39	23	provide	provide	VERB
ajpdis-2241	39	24	robust	robust	ADJ
ajpdis-2241	39	25	audit	audit	NOUN
ajpdis-2241	39	26	and	and	CCONJ
ajpdis-2241	39	27	control	control	NOUN
ajpdis-2241	39	28	benefits	benefit	NOUN
ajpdis-2241	39	29	.	.	PUNCT
ajpdis-2241	40	1	figure	figure	NOUN
ajpdis-2241	40	2	1	1	NUM
ajpdis-2241	40	3	illustrates	illustrate	VERB
ajpdis-2241	40	4	a	a	DET
ajpdis-2241	40	5	typical	typical	ADJ
ajpdis-2241	40	6	commercial	commercial	ADJ
ajpdis-2241	40	7	lending	lending	NOUN
ajpdis-2241	40	8	process	process	NOUN
ajpdis-2241	40	9	522	522	NUM
ajpdis-2241	40	10	american	american	ADJ
ajpdis-2241	40	11	journal	journal	NOUN
ajpdis-2241	40	12	of	of	ADP
ajpdis-2241	40	13	public	public	ADJ
ajpdis-2241	40	14	diplomacy	diplomacy	NOUN
ajpdis-2241	40	15	and	and	CCONJ
ajpdis-2241	40	16	international	international	ADJ
ajpdis-2241	40	17	studies	study	NOUN
ajpdis-2241	40	18	www	www	PROPN
ajpdis-2241	40	19	.	.	PROPN
ajpdis-2241	41	1	grnjournal.us	grnjournal.us	X
ajpdis-2241	41	2	customer	customer	NOUN
ajpdis-2241	41	3	management	management	NOUN
ajpdis-2241	41	4	gathering	gather	VERB
ajpdis-2241	41	5	financial	financial	ADJ
ajpdis-2241	41	6	and	and	CCONJ
ajpdis-2241	41	7	other	other	ADJ
ajpdis-2241	41	8	required	require	VERB
ajpdis-2241	41	9	information	information	NOUN
ajpdis-2241	41	10	from	from	ADP
ajpdis-2241	41	11	the	the	DET
ajpdis-2241	41	12	customer	customer	NOUN
ajpdis-2241	41	13	is	be	AUX
ajpdis-2241	41	14	the	the	DET
ajpdis-2241	41	15	first	first	ADJ
ajpdis-2241	41	16	step	step	NOUN
ajpdis-2241	41	17	in	in	ADP
ajpdis-2241	41	18	the	the	DET
ajpdis-2241	41	19	loan	loan	NOUN
ajpdis-2241	41	20	decision	decision	NOUN
ajpdis-2241	41	21	process	process	NOUN
ajpdis-2241	41	22	,	,	PUNCT
ajpdis-2241	41	23	and	and	CCONJ
ajpdis-2241	41	24	it	it	PRON
ajpdis-2241	41	25	is	be	AUX
ajpdis-2241	41	26	currently	currently	ADV
ajpdis-2241	41	27	a	a	DET
ajpdis-2241	41	28	labor	labor	NOUN
ajpdis-2241	41	29	-	-	PUNCT
ajpdis-2241	41	30	intensive	intensive	ADJ
ajpdis-2241	41	31	process	process	NOUN
ajpdis-2241	41	32	that	that	PRON
ajpdis-2241	41	33	is	be	AUX
ajpdis-2241	41	34	prone	prone	ADJ
ajpdis-2241	41	35	to	to	ADP
ajpdis-2241	41	36	errors	error	NOUN
ajpdis-2241	41	37	.	.	PUNCT
ajpdis-2241	42	1	a	a	DET
ajpdis-2241	42	2	moody	moody	NOUN
ajpdis-2241	42	3	's	's	PART
ajpdis-2241	42	4	analytics	analytic	NOUN
ajpdis-2241	42	5	survey	survey	NOUN
ajpdis-2241	42	6	indicates	indicate	VERB
ajpdis-2241	42	7	that	that	SCONJ
ajpdis-2241	42	8	56	56	NUM
ajpdis-2241	42	9	%	%	NOUN
ajpdis-2241	42	10	of	of	ADP
ajpdis-2241	42	11	bankers	banker	NOUN
ajpdis-2241	42	12	who	who	PRON
ajpdis-2241	42	13	were	be	AUX
ajpdis-2241	42	14	questioned	question	VERB
ajpdis-2241	42	15	felt	feel	VERB
ajpdis-2241	42	16	that	that	SCONJ
ajpdis-2241	42	17	the	the	DET
ajpdis-2241	42	18	manual	manual	ADJ
ajpdis-2241	42	19	data	datum	NOUN
ajpdis-2241	42	20	collection	collection	NOUN
ajpdis-2241	42	21	process	process	NOUN
ajpdis-2241	42	22	and	and	CCONJ
ajpdis-2241	42	23	the	the	DET
ajpdis-2241	42	24	ensuing	ensue	VERB
ajpdis-2241	42	25	client	client	NOUN
ajpdis-2241	42	26	interactions	interaction	NOUN
ajpdis-2241	42	27	were	be	AUX
ajpdis-2241	42	28	a	a	DET
ajpdis-2241	42	29	major	major	ADJ
ajpdis-2241	42	30	obstacle	obstacle	NOUN
ajpdis-2241	42	31	to	to	ADP
ajpdis-2241	42	32	starting	start	VERB
ajpdis-2241	42	33	the	the	DET
ajpdis-2241	42	34	loan	loan	NOUN
ajpdis-2241	42	35	process	process	NOUN
ajpdis-2241	42	36	.	.	PUNCT
ajpdis-2241	43	1	to	to	PART
ajpdis-2241	43	2	address	address	VERB
ajpdis-2241	43	3	the	the	DET
ajpdis-2241	43	4	irregularities	irregularity	NOUN
ajpdis-2241	43	5	and	and	CCONJ
ajpdis-2241	43	6	delays	delay	NOUN
ajpdis-2241	43	7	that	that	PRON
ajpdis-2241	43	8	come	come	VERB
ajpdis-2241	43	9	with	with	ADP
ajpdis-2241	43	10	manual	manual	ADJ
ajpdis-2241	43	11	data	datum	NOUN
ajpdis-2241	43	12	collection	collection	NOUN
ajpdis-2241	43	13	,	,	PUNCT
ajpdis-2241	43	14	automation	automation	NOUN
ajpdis-2241	43	15	is	be	AUX
ajpdis-2241	43	16	recommended	recommend	VERB
ajpdis-2241	43	17	.	.	PUNCT
ajpdis-2241	44	1	digital	digital	ADJ
ajpdis-2241	44	2	onboarding	onboarding	NOUN
ajpdis-2241	44	3	can	can	AUX
ajpdis-2241	44	4	be	be	AUX
ajpdis-2241	44	5	expedited	expedite	VERB
ajpdis-2241	44	6	through	through	ADP
ajpdis-2241	44	7	automation	automation	NOUN
ajpdis-2241	44	8	tools	tool	NOUN
ajpdis-2241	44	9	,	,	PUNCT
ajpdis-2241	44	10	like	like	ADP
ajpdis-2241	44	11	customer	customer	NOUN
ajpdis-2241	44	12	-	-	PUNCT
ajpdis-2241	44	13	facing	face	VERB
ajpdis-2241	44	14	web	web	NOUN
ajpdis-2241	44	15	portals	portal	NOUN
ajpdis-2241	44	16	and	and	CCONJ
ajpdis-2241	44	17	apis	apis	PROPN
ajpdis-2241	44	18	,	,	PUNCT
ajpdis-2241	44	19	which	which	PRON
ajpdis-2241	44	20	enter	enter	VERB
ajpdis-2241	44	21	prospect	prospect	NOUN
ajpdis-2241	44	22	and	and	CCONJ
ajpdis-2241	44	23	current	current	ADJ
ajpdis-2241	44	24	customer	customer	NOUN
ajpdis-2241	44	25	data	datum	NOUN
ajpdis-2241	44	26	straight	straight	ADV
ajpdis-2241	44	27	into	into	ADP
ajpdis-2241	44	28	the	the	DET
ajpdis-2241	44	29	lender	lender	NOUN
ajpdis-2241	44	30	's	's	PART
ajpdis-2241	44	31	loan	loan	NOUN
ajpdis-2241	44	32	origination	origination	NOUN
ajpdis-2241	44	33	platform	platform	NOUN
ajpdis-2241	44	34	.	.	PUNCT
ajpdis-2241	45	1	in	in	ADP
ajpdis-2241	45	2	order	order	NOUN
ajpdis-2241	45	3	to	to	PART
ajpdis-2241	45	4	minimize	minimize	VERB
ajpdis-2241	45	5	administrative	administrative	ADJ
ajpdis-2241	45	6	burdens	burden	NOUN
ajpdis-2241	45	7	for	for	ADP
ajpdis-2241	45	8	complicated	complicated	ADJ
ajpdis-2241	45	9	borrowers	borrower	NOUN
ajpdis-2241	45	10	,	,	PUNCT
ajpdis-2241	45	11	automated	automate	VERB
ajpdis-2241	45	12	loan	loan	NOUN
ajpdis-2241	45	13	origination	origination	NOUN
ajpdis-2241	45	14	platforms	platform	NOUN
ajpdis-2241	45	15	can	can	AUX
ajpdis-2241	45	16	also	also	ADV
ajpdis-2241	45	17	receive	receive	VERB
ajpdis-2241	45	18	data	data	NOUN
ajpdis-2241	45	19	feeds	feed	VERB
ajpdis-2241	45	20	that	that	SCONJ
ajpdis-2241	45	21	pre	pre	ADJ
ajpdis-2241	45	22	-	-	ADJ
ajpdis-2241	45	23	populate	populate	ADJ
ajpdis-2241	45	24	customer	customer	NOUN
ajpdis-2241	45	25	information	information	NOUN
ajpdis-2241	45	26	fields	field	NOUN
ajpdis-2241	45	27	,	,	PUNCT
ajpdis-2241	45	28	such	such	ADJ
ajpdis-2241	45	29	as	as	ADP
ajpdis-2241	45	30	customer	customer	NOUN
ajpdis-2241	45	31	ownership	ownership	NOUN
ajpdis-2241	45	32	hierarchies	hierarchy	NOUN
ajpdis-2241	45	33	.	.	PUNCT
ajpdis-2241	46	1	it	it	PRON
ajpdis-2241	46	2	is	be	AUX
ajpdis-2241	46	3	suggested	suggest	VERB
ajpdis-2241	46	4	to	to	PART
ajpdis-2241	46	5	integrate	integrate	VERB
ajpdis-2241	46	6	loan	loan	NOUN
ajpdis-2241	46	7	application	application	NOUN
ajpdis-2241	46	8	systems	system	NOUN
ajpdis-2241	46	9	with	with	ADP
ajpdis-2241	46	10	customer	customer	NOUN
ajpdis-2241	46	11	relationship	relationship	NOUN
ajpdis-2241	46	12	management	management	NOUN
ajpdis-2241	46	13	(	(	PUNCT
ajpdis-2241	46	14	crm	crm	NOUN
ajpdis-2241	46	15	)	)	PUNCT
ajpdis-2241	46	16	systems	system	NOUN
ajpdis-2241	46	17	to	to	PART
ajpdis-2241	46	18	ensure	ensure	VERB
ajpdis-2241	46	19	smooth	smooth	ADJ
ajpdis-2241	46	20	data	datum	NOUN
ajpdis-2241	46	21	flow	flow	NOUN
ajpdis-2241	46	22	between	between	ADP
ajpdis-2241	46	23	the	the	DET
ajpdis-2241	46	24	two	two	NUM
ajpdis-2241	46	25	and	and	CCONJ
ajpdis-2241	46	26	do	do	VERB
ajpdis-2241	46	27	away	away	ADV
ajpdis-2241	46	28	with	with	ADP
ajpdis-2241	46	29	the	the	DET
ajpdis-2241	46	30	need	need	NOUN
ajpdis-2241	46	31	for	for	ADP
ajpdis-2241	46	32	manual	manual	ADJ
ajpdis-2241	46	33	data	datum	NOUN
ajpdis-2241	46	34	rekeying	rekeying	NOUN
ajpdis-2241	46	35	.	.	PUNCT
ajpdis-2241	47	1	furthermore	furthermore	ADV
ajpdis-2241	47	2	,	,	PUNCT
ajpdis-2241	47	3	automated	automate	VERB
ajpdis-2241	47	4	credit	credit	NOUN
ajpdis-2241	47	5	origination	origination	NOUN
ajpdis-2241	47	6	platforms	platform	NOUN
ajpdis-2241	47	7	facilitate	facilitate	VERB
ajpdis-2241	47	8	electronic	electronic	ADJ
ajpdis-2241	47	9	access	access	NOUN
ajpdis-2241	47	10	to	to	ADP
ajpdis-2241	47	11	the	the	DET
ajpdis-2241	47	12	same	same	ADJ
ajpdis-2241	47	13	customer	customer	NOUN
ajpdis-2241	47	14	documents	document	NOUN
ajpdis-2241	47	15	by	by	ADP
ajpdis-2241	47	16	multiple	multiple	ADJ
ajpdis-2241	47	17	teams	team	NOUN
ajpdis-2241	47	18	from	from	ADP
ajpdis-2241	47	19	different	different	ADJ
ajpdis-2241	47	20	departments	department	NOUN
ajpdis-2241	47	21	or	or	CCONJ
ajpdis-2241	47	22	locations	location	NOUN
ajpdis-2241	47	23	within	within	ADP
ajpdis-2241	47	24	financial	financial	ADJ
ajpdis-2241	47	25	institutions	institution	NOUN
ajpdis-2241	47	26	,	,	PUNCT
ajpdis-2241	47	27	thereby	thereby	ADV
ajpdis-2241	47	28	enhancing	enhance	VERB
ajpdis-2241	47	29	efficiency	efficiency	NOUN
ajpdis-2241	47	30	and	and	CCONJ
ajpdis-2241	47	31	accuracy	accuracy	NOUN
ajpdis-2241	47	32	.	.	PUNCT
ajpdis-2241	48	1	in	in	ADP
ajpdis-2241	48	2	order	order	NOUN
ajpdis-2241	48	3	to	to	PART
ajpdis-2241	48	4	comply	comply	VERB
ajpdis-2241	48	5	with	with	ADP
ajpdis-2241	48	6	audit	audit	NOUN
ajpdis-2241	48	7	and	and	CCONJ
ajpdis-2241	48	8	control	control	NOUN
ajpdis-2241	48	9	requirements	requirement	NOUN
ajpdis-2241	48	10	,	,	PUNCT
ajpdis-2241	48	11	user	user	NOUN
ajpdis-2241	48	12	identity	identity	NOUN
ajpdis-2241	48	13	and	and	CCONJ
ajpdis-2241	48	14	access	access	NOUN
ajpdis-2241	48	15	protocols	protocol	NOUN
ajpdis-2241	48	16	are	be	AUX
ajpdis-2241	48	17	used	use	VERB
ajpdis-2241	48	18	to	to	PART
ajpdis-2241	48	19	preserve	preserve	VERB
ajpdis-2241	48	20	data	datum	NOUN
ajpdis-2241	48	21	integrity	integrity	NOUN
ajpdis-2241	48	22	and	and	CCONJ
ajpdis-2241	48	23	limit	limit	NOUN
ajpdis-2241	48	24	access	access	NOUN
ajpdis-2241	48	25	based	base	VERB
ajpdis-2241	48	26	on	on	ADP
ajpdis-2241	48	27	individual	individual	ADJ
ajpdis-2241	48	28	privileges	privilege	NOUN
ajpdis-2241	48	29	.	.	PUNCT
ajpdis-2241	49	1	in	in	ADP
ajpdis-2241	49	2	general	general	ADJ
ajpdis-2241	49	3	,	,	PUNCT
ajpdis-2241	49	4	the	the	DET
ajpdis-2241	49	5	application	application	NOUN
ajpdis-2241	49	6	of	of	ADP
ajpdis-2241	49	7	automation	automation	NOUN
ajpdis-2241	49	8	is	be	AUX
ajpdis-2241	49	9	suggested	suggest	VERB
ajpdis-2241	49	10	as	as	ADP
ajpdis-2241	49	11	a	a	DET
ajpdis-2241	49	12	way	way	NOUN
ajpdis-2241	49	13	to	to	PART
ajpdis-2241	49	14	improve	improve	VERB
ajpdis-2241	49	15	overall	overall	ADJ
ajpdis-2241	49	16	efficiency	efficiency	NOUN
ajpdis-2241	49	17	in	in	ADP
ajpdis-2241	49	18	financial	financial	ADJ
ajpdis-2241	49	19	institutions	institution	NOUN
ajpdis-2241	49	20	and	and	CCONJ
ajpdis-2241	49	21	the	the	DET
ajpdis-2241	49	22	loan	loan	NOUN
ajpdis-2241	49	23	origination	origination	NOUN
ajpdis-2241	49	24	process	process	NOUN
ajpdis-2241	49	25	.	.	PUNCT
ajpdis-2241	50	1	credit	credit	NOUN
ajpdis-2241	50	2	analysis	analysis	NOUN
ajpdis-2241	50	3	financial	financial	ADJ
ajpdis-2241	50	4	data	datum	NOUN
ajpdis-2241	50	5	must	must	AUX
ajpdis-2241	50	6	be	be	AUX
ajpdis-2241	50	7	manually	manually	ADV
ajpdis-2241	50	8	distributed	distribute	VERB
ajpdis-2241	50	9	as	as	ADP
ajpdis-2241	50	10	part	part	NOUN
ajpdis-2241	50	11	of	of	ADP
ajpdis-2241	50	12	the	the	DET
ajpdis-2241	50	13	commercial	commercial	ADJ
ajpdis-2241	50	14	risk	risk	NOUN
ajpdis-2241	50	15	assessment	assessment	NOUN
ajpdis-2241	50	16	process	process	NOUN
ajpdis-2241	50	17	,	,	PUNCT
ajpdis-2241	50	18	which	which	PRON
ajpdis-2241	50	19	is	be	AUX
ajpdis-2241	50	20	frequently	frequently	ADV
ajpdis-2241	50	21	done	do	VERB
ajpdis-2241	50	22	without	without	ADP
ajpdis-2241	50	23	the	the	DET
ajpdis-2241	50	24	use	use	NOUN
ajpdis-2241	50	25	of	of	ADP
ajpdis-2241	50	26	automation	automation	NOUN
ajpdis-2241	50	27	tools	tool	NOUN
ajpdis-2241	50	28	.	.	PUNCT
ajpdis-2241	51	1	according	accord	VERB
ajpdis-2241	51	2	to	to	ADP
ajpdis-2241	51	3	a	a	DET
ajpdis-2241	51	4	recent	recent	ADJ
ajpdis-2241	51	5	survey	survey	NOUN
ajpdis-2241	51	6	,	,	PUNCT
ajpdis-2241	51	7	only	only	ADV
ajpdis-2241	51	8	31	31	NUM
ajpdis-2241	51	9	%	%	NOUN
ajpdis-2241	51	10	of	of	ADP
ajpdis-2241	51	11	bankers	banker	NOUN
ajpdis-2241	51	12	use	use	VERB
ajpdis-2241	51	13	automated	automate	VERB
ajpdis-2241	51	14	techniques	technique	NOUN
ajpdis-2241	51	15	for	for	ADP
ajpdis-2241	51	16	credit	credit	NOUN
ajpdis-2241	51	17	analysis	analysis	NOUN
ajpdis-2241	51	18	and	and	CCONJ
ajpdis-2241	51	19	decisioning	decisioning	NOUN
ajpdis-2241	51	20	,	,	PUNCT
ajpdis-2241	51	21	and	and	CCONJ
ajpdis-2241	51	22	50	50	NUM
ajpdis-2241	51	23	%	%	NOUN
ajpdis-2241	51	24	of	of	ADP
ajpdis-2241	51	25	bankers	banker	NOUN
ajpdis-2241	51	26	do	do	AUX
ajpdis-2241	51	27	not	not	PART
ajpdis-2241	51	28	use	use	VERB
ajpdis-2241	51	29	any	any	DET
ajpdis-2241	51	30	automation	automation	NOUN
ajpdis-2241	51	31	at	at	ADV
ajpdis-2241	51	32	all	all	ADV
ajpdis-2241	51	33	.	.	PUNCT
ajpdis-2241	52	1	by	by	ADP
ajpdis-2241	52	2	enabling	enable	VERB
ajpdis-2241	52	3	lenders	lender	NOUN
ajpdis-2241	52	4	to	to	PART
ajpdis-2241	52	5	communicate	communicate	VERB
ajpdis-2241	52	6	with	with	ADP
ajpdis-2241	52	7	a	a	DET
ajpdis-2241	52	8	customer	customer	NOUN
ajpdis-2241	52	9	's	's	PART
ajpdis-2241	52	10	systems	system	NOUN
ajpdis-2241	52	11	via	via	ADP
ajpdis-2241	52	12	an	an	DET
ajpdis-2241	52	13	online	online	ADJ
ajpdis-2241	52	14	portal	portal	NOUN
ajpdis-2241	52	15	and	and	CCONJ
ajpdis-2241	52	16	retrieve	retrieve	VERB
ajpdis-2241	52	17	pertinent	pertinent	ADJ
ajpdis-2241	52	18	financial	financial	ADJ
ajpdis-2241	52	19	data	datum	NOUN
ajpdis-2241	52	20	from	from	ADP
ajpdis-2241	52	21	accounting	accounting	NOUN
ajpdis-2241	52	22	software	software	NOUN
ajpdis-2241	52	23	and	and	CCONJ
ajpdis-2241	52	24	other	other	ADJ
ajpdis-2241	52	25	documents	document	NOUN
ajpdis-2241	52	26	,	,	PUNCT
ajpdis-2241	52	27	advanced	advanced	ADJ
ajpdis-2241	52	28	loan	loan	NOUN
ajpdis-2241	52	29	origination	origination	NOUN
ajpdis-2241	52	30	software	software	NOUN
ajpdis-2241	52	31	can	can	AUX
ajpdis-2241	52	32	expedite	expedite	VERB
ajpdis-2241	52	33	this	this	DET
ajpdis-2241	52	34	procedure	procedure	NOUN
ajpdis-2241	52	35	.	.	PUNCT
ajpdis-2241	53	1	automated	automate	VERB
ajpdis-2241	53	2	financial	financial	ADJ
ajpdis-2241	53	3	spreading	spread	VERB
ajpdis-2241	53	4	maps	map	NOUN
ajpdis-2241	53	5	borrower	borrower	NOUN
ajpdis-2241	53	6	-	-	PUNCT
ajpdis-2241	53	7	supplied	supply	VERB
ajpdis-2241	53	8	financial	financial	ADJ
ajpdis-2241	53	9	data	datum	NOUN
ajpdis-2241	53	10	into	into	ADP
ajpdis-2241	53	11	balance	balance	NOUN
ajpdis-2241	53	12	sheets	sheet	NOUN
ajpdis-2241	53	13	,	,	PUNCT
ajpdis-2241	53	14	income	income	NOUN
ajpdis-2241	53	15	/	/	SYM
ajpdis-2241	53	16	expense	expense	NOUN
ajpdis-2241	53	17	statements	statement	NOUN
ajpdis-2241	53	18	,	,	PUNCT
ajpdis-2241	53	19	and	and	CCONJ
ajpdis-2241	53	20	tax	tax	NOUN
ajpdis-2241	53	21	forms	form	NOUN
ajpdis-2241	53	22	quickly	quickly	ADV
ajpdis-2241	53	23	using	use	VERB
ajpdis-2241	53	24	technologies	technology	NOUN
ajpdis-2241	53	25	like	like	ADP
ajpdis-2241	53	26	optical	optical	ADJ
ajpdis-2241	53	27	character	character	NOUN
ajpdis-2241	53	28	recognition	recognition	NOUN
ajpdis-2241	53	29	(	(	PUNCT
ajpdis-2241	53	30	ocr	ocr	NOUN
ajpdis-2241	53	31	)	)	PUNCT
ajpdis-2241	53	32	and	and	CCONJ
ajpdis-2241	53	33	machine	machine	NOUN
ajpdis-2241	53	34	learning	learning	NOUN
ajpdis-2241	53	35	.	.	PUNCT
ajpdis-2241	54	1	within	within	ADP
ajpdis-2241	54	2	minutes	minute	NOUN
ajpdis-2241	54	3	,	,	PUNCT
ajpdis-2241	54	4	this	this	DET
ajpdis-2241	54	5	automation	automation	NOUN
ajpdis-2241	54	6	allows	allow	VERB
ajpdis-2241	54	7	for	for	ADP
ajpdis-2241	54	8	quick	quick	ADJ
ajpdis-2241	54	9	prescreening	prescreening	NOUN
ajpdis-2241	54	10	,	,	PUNCT
ajpdis-2241	54	11	scoring	scoring	NOUN
ajpdis-2241	54	12	,	,	PUNCT
ajpdis-2241	54	13	and	and	CCONJ
ajpdis-2241	54	14	in	in	ADP
ajpdis-2241	54	15	-	-	PUNCT
ajpdis-2241	54	16	principle	principle	NOUN
ajpdis-2241	54	17	credit	credit	NOUN
ajpdis-2241	54	18	decisions	decision	NOUN
ajpdis-2241	54	19	.	.	PUNCT
ajpdis-2241	55	1	the	the	DET
ajpdis-2241	55	2	main	main	ADJ
ajpdis-2241	55	3	advantage	advantage	NOUN
ajpdis-2241	55	4	is	be	AUX
ajpdis-2241	55	5	that	that	SCONJ
ajpdis-2241	55	6	it	it	PRON
ajpdis-2241	55	7	frees	free	VERB
ajpdis-2241	55	8	up	up	ADP
ajpdis-2241	55	9	analysts	analyst	NOUN
ajpdis-2241	55	10	'	'	PART
ajpdis-2241	55	11	time	time	NOUN
ajpdis-2241	55	12	to	to	PART
ajpdis-2241	55	13	concentrate	concentrate	VERB
ajpdis-2241	55	14	on	on	ADP
ajpdis-2241	55	15	risk	risk	NOUN
ajpdis-2241	55	16	assessment	assessment	NOUN
ajpdis-2241	55	17	tasks	task	NOUN
ajpdis-2241	55	18	,	,	PUNCT
ajpdis-2241	55	19	such	such	ADJ
ajpdis-2241	55	20	as	as	ADP
ajpdis-2241	55	21	forecasting	forecasting	NOUN
ajpdis-2241	55	22	models	model	NOUN
ajpdis-2241	55	23	,	,	PUNCT
ajpdis-2241	55	24	ratio	ratio	NOUN
ajpdis-2241	55	25	analysis	analysis	NOUN
ajpdis-2241	55	26	,	,	PUNCT
ajpdis-2241	55	27	and	and	CCONJ
ajpdis-2241	55	28	data	datum	NOUN
ajpdis-2241	55	29	interpretation	interpretation	NOUN
ajpdis-2241	55	30	to	to	PART
ajpdis-2241	55	31	assess	assess	VERB
ajpdis-2241	55	32	a	a	DET
ajpdis-2241	55	33	borrower	borrower	NOUN
ajpdis-2241	55	34	's	's	PART
ajpdis-2241	55	35	financial	financial	ADJ
ajpdis-2241	55	36	risk	risk	NOUN
ajpdis-2241	55	37	and	and	CCONJ
ajpdis-2241	55	38	ability	ability	NOUN
ajpdis-2241	55	39	to	to	PART
ajpdis-2241	55	40	repay	repay	VERB
ajpdis-2241	55	41	.	.	PUNCT
ajpdis-2241	56	1	in	in	ADP
ajpdis-2241	56	2	addition	addition	NOUN
ajpdis-2241	56	3	,	,	PUNCT
ajpdis-2241	56	4	automated	automate	VERB
ajpdis-2241	56	5	tools	tool	NOUN
ajpdis-2241	56	6	make	make	VERB
ajpdis-2241	56	7	risk	risk	NOUN
ajpdis-2241	56	8	rating	rating	NOUN
ajpdis-2241	56	9	based	base	VERB
ajpdis-2241	56	10	on	on	ADP
ajpdis-2241	56	11	loss	loss	NOUN
ajpdis-2241	56	12	given	give	VERB
ajpdis-2241	56	13	default	default	NOUN
ajpdis-2241	56	14	(	(	PUNCT
ajpdis-2241	56	15	lgd	lgd	NOUN
ajpdis-2241	56	16	)	)	PUNCT
ajpdis-2241	56	17	and	and	CCONJ
ajpdis-2241	56	18	probability	probability	NOUN
ajpdis-2241	56	19	of	of	ADP
ajpdis-2241	56	20	default	default	NOUN
ajpdis-2241	56	21	(	(	PUNCT
ajpdis-2241	56	22	pd	pd	NOUN
ajpdis-2241	56	23	)	)	PUNCT
ajpdis-2241	56	24	models	model	NOUN
ajpdis-2241	56	25	easier	easy	ADJ
ajpdis-2241	56	26	and	and	CCONJ
ajpdis-2241	56	27	provide	provide	VERB
ajpdis-2241	56	28	instantaneous	instantaneous	ADJ
ajpdis-2241	56	29	risk	risk	NOUN
ajpdis-2241	56	30	metrics	metric	NOUN
ajpdis-2241	56	31	for	for	ADP
ajpdis-2241	56	32	loan	loan	NOUN
ajpdis-2241	56	33	assessment	assessment	NOUN
ajpdis-2241	56	34	.	.	PUNCT
ajpdis-2241	57	1	efficiency	efficiency	NOUN
ajpdis-2241	57	2	is	be	AUX
ajpdis-2241	57	3	further	far	ADV
ajpdis-2241	57	4	increased	increase	VERB
ajpdis-2241	57	5	by	by	ADP
ajpdis-2241	57	6	combining	combine	VERB
ajpdis-2241	57	7	automated	automate	VERB
ajpdis-2241	57	8	credit	credit	NOUN
ajpdis-2241	57	9	analysis	analysis	NOUN
ajpdis-2241	57	10	and	and	CCONJ
ajpdis-2241	57	11	customer	customer	NOUN
ajpdis-2241	57	12	management	management	NOUN
ajpdis-2241	57	13	tools	tool	NOUN
ajpdis-2241	57	14	into	into	ADP
ajpdis-2241	57	15	one	one	NUM
ajpdis-2241	57	16	origination	origination	NOUN
ajpdis-2241	57	17	platform	platform	NOUN
ajpdis-2241	57	18	.	.	PUNCT
ajpdis-2241	58	1	an	an	DET
ajpdis-2241	58	2	automated	automate	VERB
ajpdis-2241	58	3	platform	platform	NOUN
ajpdis-2241	58	4	,	,	PUNCT
ajpdis-2241	58	5	for	for	ADP
ajpdis-2241	58	6	example	example	NOUN
ajpdis-2241	58	7	,	,	PUNCT
ajpdis-2241	58	8	can	can	AUX
ajpdis-2241	58	9	assign	assign	VERB
ajpdis-2241	58	10	group	group	NOUN
ajpdis-2241	58	11	ratings	rating	NOUN
ajpdis-2241	58	12	in	in	ADP
ajpdis-2241	58	13	commercial	commercial	ADJ
ajpdis-2241	58	14	lending	lending	NOUN
ajpdis-2241	58	15	for	for	ADP
ajpdis-2241	58	16	borrower	borrower	NOUN
ajpdis-2241	58	17	groups	group	NOUN
ajpdis-2241	58	18	based	base	VERB
ajpdis-2241	58	19	on	on	ADP
ajpdis-2241	58	20	combined	combined	ADJ
ajpdis-2241	58	21	financial	financial	ADJ
ajpdis-2241	58	22	strength	strength	NOUN
ajpdis-2241	58	23	,	,	PUNCT
ajpdis-2241	58	24	thereby	thereby	ADV
ajpdis-2241	58	25	saving	save	VERB
ajpdis-2241	58	26	a	a	DET
ajpdis-2241	58	27	significant	significant	ADJ
ajpdis-2241	58	28	amount	amount	NOUN
ajpdis-2241	58	29	of	of	ADP
ajpdis-2241	58	30	time	time	NOUN
ajpdis-2241	58	31	during	during	ADP
ajpdis-2241	58	32	the	the	DET
ajpdis-2241	58	33	rating	rating	NOUN
ajpdis-2241	58	34	process	process	NOUN
ajpdis-2241	58	35	.	.	PUNCT
ajpdis-2241	59	1	all	all	DET
ajpdis-2241	59	2	things	thing	NOUN
ajpdis-2241	59	3	considered	consider	VERB
ajpdis-2241	59	4	,	,	PUNCT
ajpdis-2241	59	5	automation	automation	NOUN
ajpdis-2241	59	6	in	in	ADP
ajpdis-2241	59	7	credit	credit	NOUN
ajpdis-2241	59	8	analysis	analysis	NOUN
ajpdis-2241	59	9	and	and	CCONJ
ajpdis-2241	59	10	financial	financial	ADJ
ajpdis-2241	59	11	spreading	spread	VERB
ajpdis-2241	59	12	streamlines	streamline	NOUN
ajpdis-2241	59	13	the	the	DET
ajpdis-2241	59	14	loan	loan	NOUN
ajpdis-2241	59	15	origination	origination	NOUN
ajpdis-2241	59	16	procedure	procedure	NOUN
ajpdis-2241	59	17	and	and	CCONJ
ajpdis-2241	59	18	boosts	boost	VERB
ajpdis-2241	59	19	risk	risk	NOUN
ajpdis-2241	59	20	assessment	assessment	NOUN
ajpdis-2241	59	21	effectiveness	effectiveness	NOUN
ajpdis-2241	59	22	.	.	PUNCT
ajpdis-2241	60	1	credit	credit	NOUN
ajpdis-2241	60	2	presentation	presentation	NOUN
ajpdis-2241	60	3	&	&	CCONJ
ajpdis-2241	60	4	decisioning	decisione	VERB
ajpdis-2241	60	5	data	datum	NOUN
ajpdis-2241	60	6	collection	collection	NOUN
ajpdis-2241	60	7	,	,	PUNCT
ajpdis-2241	60	8	analysis	analysis	NOUN
ajpdis-2241	60	9	,	,	PUNCT
ajpdis-2241	60	10	and	and	CCONJ
ajpdis-2241	60	11	presentation	presentation	NOUN
ajpdis-2241	60	12	are	be	AUX
ajpdis-2241	60	13	all	all	PRON
ajpdis-2241	60	14	part	part	NOUN
ajpdis-2241	60	15	of	of	ADP
ajpdis-2241	60	16	the	the	DET
ajpdis-2241	60	17	automation	automation	NOUN
ajpdis-2241	60	18	process	process	NOUN
ajpdis-2241	60	19	for	for	ADP
ajpdis-2241	60	20	commercial	commercial	ADJ
ajpdis-2241	60	21	loan	loan	NOUN
ajpdis-2241	60	22	approval	approval	NOUN
ajpdis-2241	60	23	,	,	PUNCT
ajpdis-2241	60	24	which	which	PRON
ajpdis-2241	60	25	facilitates	facilitate	VERB
ajpdis-2241	60	26	quick	quick	ADJ
ajpdis-2241	60	27	credit	credit	NOUN
ajpdis-2241	60	28	decisions	decision	NOUN
ajpdis-2241	60	29	.	.	PUNCT
ajpdis-2241	61	1	benefits	benefit	NOUN
ajpdis-2241	61	2	of	of	ADP
ajpdis-2241	61	3	automating	automate	VERB
ajpdis-2241	61	4	the	the	DET
ajpdis-2241	61	5	loan	loan	NOUN
ajpdis-2241	61	6	process	process	NOUN
ajpdis-2241	61	7	include	include	VERB
ajpdis-2241	61	8	precision	precision	NOUN
ajpdis-2241	61	9	,	,	PUNCT
ajpdis-2241	61	10	data	datum	NOUN
ajpdis-2241	61	11	that	that	PRON
ajpdis-2241	61	12	is	be	AUX
ajpdis-2241	61	13	almost	almost	ADV
ajpdis-2241	61	14	real	real	ADJ
ajpdis-2241	61	15	-	-	PUNCT
ajpdis-2241	61	16	time	time	NOUN
ajpdis-2241	61	17	,	,	PUNCT
ajpdis-2241	61	18	enhanced	enhance	VERB
ajpdis-2241	61	19	productivity	productivity	NOUN
ajpdis-2241	61	20	,	,	PUNCT
ajpdis-2241	61	21	and	and	CCONJ
ajpdis-2241	61	22	quicker	quick	ADV
ajpdis-2241	61	23	decisionmaking	decisionmake	VERB
ajpdis-2241	61	24	.	.	PUNCT
ajpdis-2241	62	1	the	the	DET
ajpdis-2241	62	2	next	next	ADJ
ajpdis-2241	62	3	step	step	NOUN
ajpdis-2241	62	4	is	be	AUX
ajpdis-2241	62	5	frequently	frequently	ADV
ajpdis-2241	62	6	a	a	DET
ajpdis-2241	62	7	manual	manual	ADJ
ajpdis-2241	62	8	credit	credit	NOUN
ajpdis-2241	62	9	application	application	NOUN
ajpdis-2241	62	10	process	process	NOUN
ajpdis-2241	62	11	,	,	PUNCT
ajpdis-2241	62	12	which	which	PRON
ajpdis-2241	62	13	comes	come	VERB
ajpdis-2241	62	14	after	after	ADP
ajpdis-2241	62	15	gathering	gather	VERB
ajpdis-2241	62	16	customer	customer	NOUN
ajpdis-2241	62	17	information	information	NOUN
ajpdis-2241	62	18	,	,	PUNCT
ajpdis-2241	62	19	performing	perform	VERB
ajpdis-2241	62	20	financial	financial	ADJ
ajpdis-2241	62	21	analysis	analysis	NOUN
ajpdis-2241	62	22	,	,	PUNCT
ajpdis-2241	62	23	and	and	CCONJ
ajpdis-2241	62	24	evaluating	evaluate	VERB
ajpdis-2241	62	25	risk	risk	NOUN
ajpdis-2241	62	26	.	.	PUNCT
ajpdis-2241	63	1	automated	automate	VERB
ajpdis-2241	63	2	credit	credit	NOUN
ajpdis-2241	63	3	523	523	NUM
ajpdis-2241	63	4	american	american	ADJ
ajpdis-2241	63	5	journal	journal	NOUN
ajpdis-2241	63	6	of	of	ADP
ajpdis-2241	63	7	public	public	ADJ
ajpdis-2241	63	8	diplomacy	diplomacy	NOUN
ajpdis-2241	63	9	and	and	CCONJ
ajpdis-2241	63	10	international	international	ADJ
ajpdis-2241	63	11	studies	study	NOUN
ajpdis-2241	63	12	www	www	PROPN
ajpdis-2241	63	13	.	.	PUNCT
ajpdis-2241	64	1	grnjournal.us	grnjournal.us	X
ajpdis-2241	64	2	application	application	NOUN
ajpdis-2241	64	3	solutions	solution	NOUN
ajpdis-2241	64	4	incorporate	incorporate	VERB
ajpdis-2241	64	5	loan	loan	NOUN
ajpdis-2241	64	6	structuring	structuring	NOUN
ajpdis-2241	64	7	tools	tool	NOUN
ajpdis-2241	64	8	,	,	PUNCT
ajpdis-2241	64	9	collateral	collateral	ADJ
ajpdis-2241	64	10	management	management	NOUN
ajpdis-2241	64	11	systems	system	NOUN
ajpdis-2241	64	12	,	,	PUNCT
ajpdis-2241	64	13	financial	financial	ADJ
ajpdis-2241	64	14	analysis	analysis	NOUN
ajpdis-2241	64	15	,	,	PUNCT
ajpdis-2241	64	16	and	and	CCONJ
ajpdis-2241	64	17	risk	risk	NOUN
ajpdis-2241	64	18	assessment	assessment	NOUN
ajpdis-2241	64	19	.	.	PUNCT
ajpdis-2241	65	1	these	these	DET
ajpdis-2241	65	2	solutions	solution	NOUN
ajpdis-2241	65	3	can	can	AUX
ajpdis-2241	65	4	be	be	AUX
ajpdis-2241	65	5	integrated	integrate	VERB
ajpdis-2241	65	6	with	with	ADP
ajpdis-2241	65	7	current	current	ADJ
ajpdis-2241	65	8	systems	system	NOUN
ajpdis-2241	65	9	and	and	CCONJ
ajpdis-2241	65	10	do	do	AUX
ajpdis-2241	65	11	n't	not	PART
ajpdis-2241	65	12	always	always	ADV
ajpdis-2241	65	13	need	need	VERB
ajpdis-2241	65	14	to	to	PART
ajpdis-2241	65	15	be	be	AUX
ajpdis-2241	65	16	complicated	complicate	VERB
ajpdis-2241	65	17	.	.	PUNCT
ajpdis-2241	66	1	although	although	SCONJ
ajpdis-2241	66	2	credit	credit	NOUN
ajpdis-2241	66	3	approval	approval	NOUN
ajpdis-2241	66	4	all	all	ADV
ajpdis-2241	66	5	-	-	PUNCT
ajpdis-2241	66	6	in	in	ADP
ajpdis-2241	66	7	-	-	PUNCT
ajpdis-2241	66	8	one	one	NUM
ajpdis-2241	66	9	apps	app	NOUN
ajpdis-2241	66	10	are	be	AUX
ajpdis-2241	66	11	scarce	scarce	ADJ
ajpdis-2241	66	12	,	,	PUNCT
ajpdis-2241	66	13	origination	origination	NOUN
ajpdis-2241	66	14	platforms	platform	NOUN
ajpdis-2241	66	15	have	have	VERB
ajpdis-2241	66	16	the	the	DET
ajpdis-2241	66	17	ability	ability	NOUN
ajpdis-2241	66	18	to	to	PART
ajpdis-2241	66	19	create	create	VERB
ajpdis-2241	66	20	pre	pre	ADJ
ajpdis-2241	66	21	-	-	ADJ
ajpdis-2241	66	22	configured	configure	VERB
ajpdis-2241	66	23	document	document	NOUN
ajpdis-2241	66	24	templates	template	NOUN
ajpdis-2241	66	25	by	by	ADP
ajpdis-2241	66	26	using	use	VERB
ajpdis-2241	66	27	stored	store	VERB
ajpdis-2241	66	28	data	datum	NOUN
ajpdis-2241	66	29	.	.	PUNCT
ajpdis-2241	67	1	additionally	additionally	ADV
ajpdis-2241	67	2	,	,	PUNCT
ajpdis-2241	67	3	there	there	PRON
ajpdis-2241	67	4	have	have	AUX
ajpdis-2241	67	5	been	be	AUX
ajpdis-2241	67	6	innovations	innovation	NOUN
ajpdis-2241	67	7	in	in	ADP
ajpdis-2241	67	8	the	the	DET
ajpdis-2241	67	9	decision	decision	NOUN
ajpdis-2241	67	10	-	-	PUNCT
ajpdis-2241	67	11	making	make	VERB
ajpdis-2241	67	12	process	process	NOUN
ajpdis-2241	67	13	.	.	PUNCT
ajpdis-2241	68	1	for	for	ADP
ajpdis-2241	68	2	example	example	NOUN
ajpdis-2241	68	3	,	,	PUNCT
ajpdis-2241	68	4	in	in	ADP
ajpdis-2241	68	5	high	high	ADJ
ajpdis-2241	68	6	-	-	PUNCT
ajpdis-2241	68	7	volume	volume	NOUN
ajpdis-2241	68	8	/	/	SYM
ajpdis-2241	68	9	low	low	ADJ
ajpdis-2241	68	10	-	-	PUNCT
ajpdis-2241	68	11	loan	loan	NOUN
ajpdis-2241	68	12	-	-	PUNCT
ajpdis-2241	68	13	value	value	NOUN
ajpdis-2241	68	14	scenarios	scenario	NOUN
ajpdis-2241	68	15	,	,	PUNCT
ajpdis-2241	68	16	some	some	DET
ajpdis-2241	68	17	lenders	lender	NOUN
ajpdis-2241	68	18	use	use	VERB
ajpdis-2241	68	19	auto	auto	NOUN
ajpdis-2241	68	20	-	-	PUNCT
ajpdis-2241	68	21	decisioning	decisioning	NOUN
ajpdis-2241	68	22	based	base	VERB
ajpdis-2241	68	23	on	on	ADP
ajpdis-2241	68	24	policies	policy	NOUN
ajpdis-2241	68	25	and	and	CCONJ
ajpdis-2241	68	26	rules	rule	NOUN
ajpdis-2241	68	27	.	.	PUNCT
ajpdis-2241	69	1	automation	automation	NOUN
ajpdis-2241	69	2	helps	help	VERB
ajpdis-2241	69	3	with	with	ADP
ajpdis-2241	69	4	pre	pre	ADJ
ajpdis-2241	69	5	-	-	ADJ
ajpdis-2241	69	6	screening	screening	NOUN
ajpdis-2241	69	7	and	and	CCONJ
ajpdis-2241	69	8	proposal	proposal	NOUN
ajpdis-2241	69	9	preparation	preparation	NOUN
ajpdis-2241	69	10	,	,	PUNCT
ajpdis-2241	69	11	but	but	CCONJ
ajpdis-2241	69	12	human	human	ADJ
ajpdis-2241	69	13	judgment	judgment	NOUN
ajpdis-2241	69	14	still	still	ADV
ajpdis-2241	69	15	plays	play	VERB
ajpdis-2241	69	16	a	a	DET
ajpdis-2241	69	17	major	major	ADJ
ajpdis-2241	69	18	role	role	NOUN
ajpdis-2241	69	19	in	in	ADP
ajpdis-2241	69	20	commercial	commercial	ADJ
ajpdis-2241	69	21	loan	loan	NOUN
ajpdis-2241	69	22	decisioning	decisioning	NOUN
ajpdis-2241	69	23	.	.	PUNCT
ajpdis-2241	70	1	decision	decision	NOUN
ajpdis-2241	70	2	-	-	PUNCT
ajpdis-2241	70	3	making	making	NOUN
ajpdis-2241	70	4	is	be	AUX
ajpdis-2241	70	5	becoming	become	VERB
ajpdis-2241	70	6	more	more	ADV
ajpdis-2241	70	7	and	and	CCONJ
ajpdis-2241	70	8	more	more	ADV
ajpdis-2241	70	9	reliant	reliant	ADJ
ajpdis-2241	70	10	on	on	ADP
ajpdis-2241	70	11	mobile	mobile	ADJ
ajpdis-2241	70	12	enablement	enablement	NOUN
ajpdis-2241	70	13	,	,	PUNCT
ajpdis-2241	70	14	which	which	PRON
ajpdis-2241	70	15	lets	let	VERB
ajpdis-2241	70	16	executives	executive	NOUN
ajpdis-2241	70	17	decide	decide	VERB
ajpdis-2241	70	18	on	on	ADP
ajpdis-2241	70	19	loans	loan	NOUN
ajpdis-2241	70	20	while	while	SCONJ
ajpdis-2241	70	21	they	they	PRON
ajpdis-2241	70	22	're	be	AUX
ajpdis-2241	70	23	on	on	ADP
ajpdis-2241	70	24	the	the	DET
ajpdis-2241	70	25	go	go	NOUN
ajpdis-2241	70	26	and	and	CCONJ
ajpdis-2241	70	27	expedites	expedite	VERB
ajpdis-2241	70	28	approval	approval	NOUN
ajpdis-2241	70	29	processes	process	NOUN
ajpdis-2241	70	30	.	.	PUNCT
ajpdis-2241	71	1	covenants	covenant	NOUN
ajpdis-2241	71	2	/	/	SYM
ajpdis-2241	71	3	monitoring	monitor	VERB
ajpdis-2241	71	4	effective	effective	ADJ
ajpdis-2241	71	5	asset	asset	NOUN
ajpdis-2241	71	6	management	management	NOUN
ajpdis-2241	71	7	and	and	CCONJ
ajpdis-2241	71	8	risk	risk	NOUN
ajpdis-2241	71	9	monitoring	monitoring	NOUN
ajpdis-2241	71	10	following	follow	VERB
ajpdis-2241	71	11	loan	loan	NOUN
ajpdis-2241	71	12	origination	origination	NOUN
ajpdis-2241	71	13	are	be	AUX
ajpdis-2241	71	14	essential	essential	ADJ
ajpdis-2241	71	15	,	,	PUNCT
ajpdis-2241	71	16	and	and	CCONJ
ajpdis-2241	71	17	they	they	PRON
ajpdis-2241	71	18	frequently	frequently	ADV
ajpdis-2241	71	19	call	call	VERB
ajpdis-2241	71	20	for	for	ADP
ajpdis-2241	71	21	standardized	standardized	ADJ
ajpdis-2241	71	22	procedures	procedure	NOUN
ajpdis-2241	71	23	for	for	ADP
ajpdis-2241	71	24	gathering	gather	VERB
ajpdis-2241	71	25	financial	financial	ADJ
ajpdis-2241	71	26	data	datum	NOUN
ajpdis-2241	71	27	in	in	ADP
ajpdis-2241	71	28	order	order	NOUN
ajpdis-2241	71	29	to	to	PART
ajpdis-2241	71	30	comply	comply	VERB
ajpdis-2241	71	31	with	with	ADP
ajpdis-2241	71	32	ticklers	tickler	NOUN
ajpdis-2241	71	33	,	,	PUNCT
ajpdis-2241	71	34	covenants	covenant	NOUN
ajpdis-2241	71	35	,	,	PUNCT
ajpdis-2241	71	36	and	and	CCONJ
ajpdis-2241	71	37	policy	policy	NOUN
ajpdis-2241	71	38	exceptions	exception	NOUN
ajpdis-2241	71	39	.	.	PUNCT
ajpdis-2241	72	1	many	many	ADJ
ajpdis-2241	72	2	banks	bank	NOUN
ajpdis-2241	72	3	suffer	suffer	VERB
ajpdis-2241	72	4	with	with	ADP
ajpdis-2241	72	5	risky	risky	ADJ
ajpdis-2241	72	6	and	and	CCONJ
ajpdis-2241	72	7	inefficient	inefficient	ADJ
ajpdis-2241	72	8	tracking	tracking	NOUN
ajpdis-2241	72	9	,	,	PUNCT
ajpdis-2241	72	10	particularly	particularly	ADV
ajpdis-2241	72	11	when	when	SCONJ
ajpdis-2241	72	12	using	use	VERB
ajpdis-2241	72	13	spreadsheets	spreadsheet	NOUN
ajpdis-2241	72	14	or	or	CCONJ
ajpdis-2241	72	15	other	other	ADJ
ajpdis-2241	72	16	manual	manual	ADJ
ajpdis-2241	72	17	tools	tool	NOUN
ajpdis-2241	72	18	for	for	ADP
ajpdis-2241	72	19	portfolios	portfolio	NOUN
ajpdis-2241	72	20	with	with	ADP
ajpdis-2241	72	21	multiple	multiple	ADJ
ajpdis-2241	72	22	loan	loan	NOUN
ajpdis-2241	72	23	covenants	covenant	NOUN
ajpdis-2241	72	24	.	.	PUNCT
ajpdis-2241	73	1	examiners	examiner	NOUN
ajpdis-2241	73	2	view	view	VERB
ajpdis-2241	73	3	this	this	DET
ajpdis-2241	73	4	approach	approach	NOUN
ajpdis-2241	73	5	with	with	ADP
ajpdis-2241	73	6	suspicion	suspicion	NOUN
ajpdis-2241	73	7	and	and	CCONJ
ajpdis-2241	73	8	recommend	recommend	VERB
ajpdis-2241	73	9	the	the	DET
ajpdis-2241	73	10	use	use	NOUN
ajpdis-2241	73	11	of	of	ADP
ajpdis-2241	73	12	more	more	ADV
ajpdis-2241	73	13	reliable	reliable	ADJ
ajpdis-2241	73	14	solutions	solution	NOUN
ajpdis-2241	73	15	.	.	PUNCT
ajpdis-2241	74	1	although	although	SCONJ
ajpdis-2241	74	2	they	they	PRON
ajpdis-2241	74	3	can	can	AUX
ajpdis-2241	74	4	be	be	AUX
ajpdis-2241	74	5	implemented	implement	VERB
ajpdis-2241	74	6	independently	independently	ADV
ajpdis-2241	74	7	of	of	ADP
ajpdis-2241	74	8	origination	origination	NOUN
ajpdis-2241	74	9	systems	system	NOUN
ajpdis-2241	74	10	,	,	PUNCT
ajpdis-2241	74	11	automated	automate	VERB
ajpdis-2241	74	12	covenant	covenant	ADJ
ajpdis-2241	74	13	solutions	solution	NOUN
ajpdis-2241	74	14	work	work	VERB
ajpdis-2241	74	15	best	well	ADV
ajpdis-2241	74	16	when	when	SCONJ
ajpdis-2241	74	17	they	they	PRON
ajpdis-2241	74	18	are	be	AUX
ajpdis-2241	74	19	part	part	NOUN
ajpdis-2241	74	20	of	of	ADP
ajpdis-2241	74	21	the	the	DET
ajpdis-2241	74	22	complete	complete	ADJ
ajpdis-2241	74	23	solution	solution	NOUN
ajpdis-2241	74	24	.	.	PUNCT
ajpdis-2241	75	1	covenant	covenant	ADJ
ajpdis-2241	75	2	details	detail	NOUN
ajpdis-2241	75	3	are	be	AUX
ajpdis-2241	75	4	associated	associate	VERB
ajpdis-2241	75	5	with	with	ADP
ajpdis-2241	75	6	the	the	DET
ajpdis-2241	75	7	approval	approval	NOUN
ajpdis-2241	75	8	record	record	NOUN
ajpdis-2241	75	9	for	for	ADP
ajpdis-2241	75	10	audit	audit	NOUN
ajpdis-2241	75	11	purposes	purpose	NOUN
ajpdis-2241	75	12	and	and	CCONJ
ajpdis-2241	75	13	rekeying	rekeying	NOUN
ajpdis-2241	75	14	is	be	AUX
ajpdis-2241	75	15	avoided	avoid	VERB
ajpdis-2241	75	16	by	by	ADP
ajpdis-2241	75	17	recording	recording	NOUN
ajpdis-2241	75	18	covenants	covenant	NOUN
ajpdis-2241	75	19	during	during	ADP
ajpdis-2241	75	20	the	the	DET
ajpdis-2241	75	21	loan	loan	NOUN
ajpdis-2241	75	22	application	application	NOUN
ajpdis-2241	75	23	process	process	NOUN
ajpdis-2241	75	24	.	.	PUNCT
ajpdis-2241	76	1	with	with	ADP
ajpdis-2241	76	2	the	the	DET
ajpdis-2241	76	3	use	use	NOUN
ajpdis-2241	76	4	of	of	ADP
ajpdis-2241	76	5	calendar	calendar	NOUN
ajpdis-2241	76	6	alerts	alert	NOUN
ajpdis-2241	76	7	and	and	CCONJ
ajpdis-2241	76	8	automated	automate	VERB
ajpdis-2241	76	9	covenant	covenant	ADJ
ajpdis-2241	76	10	/	/	SYM
ajpdis-2241	76	11	tickler	tickler	NOUN
ajpdis-2241	76	12	features	feature	NOUN
ajpdis-2241	76	13	,	,	PUNCT
ajpdis-2241	76	14	timely	timely	ADJ
ajpdis-2241	76	15	data	datum	NOUN
ajpdis-2241	76	16	collection	collection	NOUN
ajpdis-2241	76	17	is	be	AUX
ajpdis-2241	76	18	ensured	ensure	VERB
ajpdis-2241	76	19	.	.	PUNCT
ajpdis-2241	77	1	notifications	notification	NOUN
ajpdis-2241	77	2	are	be	AUX
ajpdis-2241	77	3	sent	send	VERB
ajpdis-2241	77	4	for	for	ADP
ajpdis-2241	77	5	any	any	DET
ajpdis-2241	77	6	missing	miss	VERB
ajpdis-2241	77	7	paperwork	paperwork	NOUN
ajpdis-2241	77	8	or	or	CCONJ
ajpdis-2241	77	9	unmet	unmet	NOUN
ajpdis-2241	77	10	covenants	covenant	NOUN
ajpdis-2241	77	11	.	.	PUNCT
ajpdis-2241	78	1	when	when	SCONJ
ajpdis-2241	78	2	data	datum	NOUN
ajpdis-2241	78	3	is	be	AUX
ajpdis-2241	78	4	entered	enter	VERB
ajpdis-2241	78	5	,	,	PUNCT
ajpdis-2241	78	6	automated	automate	VERB
ajpdis-2241	78	7	testing	testing	NOUN
ajpdis-2241	78	8	detects	detect	NOUN
ajpdis-2241	78	9	breaches	breach	NOUN
ajpdis-2241	78	10	that	that	PRON
ajpdis-2241	78	11	are	be	AUX
ajpdis-2241	78	12	either	either	CCONJ
ajpdis-2241	78	13	imminent	imminent	ADJ
ajpdis-2241	78	14	or	or	CCONJ
ajpdis-2241	78	15	already	already	ADV
ajpdis-2241	78	16	occurring	occur	VERB
ajpdis-2241	78	17	and	and	CCONJ
ajpdis-2241	78	18	notifies	notifie	NOUN
ajpdis-2241	78	19	the	the	DET
ajpdis-2241	78	20	user	user	NOUN
ajpdis-2241	78	21	through	through	ADP
ajpdis-2241	78	22	a	a	DET
ajpdis-2241	78	23	dashboard	dashboard	NOUN
ajpdis-2241	78	24	.	.	PUNCT
ajpdis-2241	79	1	the	the	DET
ajpdis-2241	79	2	accuracy	accuracy	NOUN
ajpdis-2241	79	3	,	,	PUNCT
ajpdis-2241	79	4	efficacy	efficacy	NOUN
ajpdis-2241	79	5	,	,	PUNCT
ajpdis-2241	79	6	and	and	CCONJ
ajpdis-2241	79	7	efficiency	efficiency	NOUN
ajpdis-2241	79	8	of	of	ADP
ajpdis-2241	79	9	covenant	covenant	ADJ
ajpdis-2241	79	10	tracking	tracking	NOUN
ajpdis-2241	79	11	are	be	AUX
ajpdis-2241	79	12	improved	improve	VERB
ajpdis-2241	79	13	by	by	ADP
ajpdis-2241	79	14	this	this	DET
ajpdis-2241	79	15	integrated	integrate	VERB
ajpdis-2241	79	16	approach	approach	NOUN
ajpdis-2241	79	17	.	.	PUNCT
ajpdis-2241	80	1	portfolio	portfolio	NOUN
ajpdis-2241	80	2	risk	risk	NOUN
ajpdis-2241	80	3	management	management	NOUN
ajpdis-2241	80	4	lenders	lender	NOUN
ajpdis-2241	80	5	have	have	VERB
ajpdis-2241	80	6	difficulty	difficulty	NOUN
ajpdis-2241	80	7	tracking	track	VERB
ajpdis-2241	80	8	changes	change	NOUN
ajpdis-2241	80	9	over	over	ADP
ajpdis-2241	80	10	time	time	NOUN
ajpdis-2241	80	11	and	and	CCONJ
ajpdis-2241	80	12	understanding	understand	VERB
ajpdis-2241	80	13	portfolio	portfolio	NOUN
ajpdis-2241	80	14	exposures	exposure	NOUN
ajpdis-2241	80	15	when	when	SCONJ
ajpdis-2241	80	16	using	use	VERB
ajpdis-2241	80	17	traditional	traditional	ADJ
ajpdis-2241	80	18	manual	manual	NOUN
ajpdis-2241	80	19	,	,	PUNCT
ajpdis-2241	80	20	paper	paper	NOUN
ajpdis-2241	80	21	-	-	PUNCT
ajpdis-2241	80	22	based	base	VERB
ajpdis-2241	80	23	loan	loan	NOUN
ajpdis-2241	80	24	underwriting	underwriting	NOUN
ajpdis-2241	80	25	methods	method	NOUN
ajpdis-2241	80	26	.	.	PUNCT
ajpdis-2241	81	1	lenders	lender	NOUN
ajpdis-2241	81	2	set	set	VERB
ajpdis-2241	81	3	portfolio	portfolio	NOUN
ajpdis-2241	81	4	limits	limit	NOUN
ajpdis-2241	81	5	and	and	CCONJ
ajpdis-2241	81	6	risk	risk	NOUN
ajpdis-2241	81	7	appetite	appetite	NOUN
ajpdis-2241	81	8	tolerances	tolerance	NOUN
ajpdis-2241	81	9	,	,	PUNCT
ajpdis-2241	81	10	but	but	CCONJ
ajpdis-2241	81	11	the	the	DET
ajpdis-2241	81	12	efficacy	efficacy	NOUN
ajpdis-2241	81	13	of	of	ADP
ajpdis-2241	81	14	these	these	DET
ajpdis-2241	81	15	regulations	regulation	NOUN
ajpdis-2241	81	16	depends	depend	VERB
ajpdis-2241	81	17	on	on	ADP
ajpdis-2241	81	18	having	have	VERB
ajpdis-2241	81	19	a	a	DET
ajpdis-2241	81	20	reliable	reliable	ADJ
ajpdis-2241	81	21	portfolio	portfolio	NOUN
ajpdis-2241	81	22	reporting	reporting	NOUN
ajpdis-2241	81	23	system	system	NOUN
ajpdis-2241	81	24	.	.	PUNCT
ajpdis-2241	82	1	data	datum	NOUN
ajpdis-2241	82	2	integrity	integrity	NOUN
ajpdis-2241	82	3	,	,	PUNCT
ajpdis-2241	82	4	data	datum	NOUN
ajpdis-2241	82	5	lineage	lineage	NOUN
ajpdis-2241	82	6	,	,	PUNCT
ajpdis-2241	82	7	and	and	CCONJ
ajpdis-2241	82	8	overall	overall	ADJ
ajpdis-2241	82	9	governance	governance	NOUN
ajpdis-2241	82	10	are	be	AUX
ajpdis-2241	82	11	improved	improve	VERB
ajpdis-2241	82	12	by	by	ADP
ajpdis-2241	82	13	automating	automate	VERB
ajpdis-2241	82	14	the	the	DET
ajpdis-2241	82	15	loan	loan	NOUN
ajpdis-2241	82	16	origination	origination	NOUN
ajpdis-2241	82	17	process	process	NOUN
ajpdis-2241	82	18	,	,	PUNCT
ajpdis-2241	82	19	especially	especially	ADV
ajpdis-2241	82	20	when	when	SCONJ
ajpdis-2241	82	21	done	do	VERB
ajpdis-2241	82	22	with	with	ADP
ajpdis-2241	82	23	a	a	DET
ajpdis-2241	82	24	best	good	ADJ
ajpdis-2241	82	25	-	-	PUNCT
ajpdis-2241	82	26	in	in	ADP
ajpdis-2241	82	27	-	-	PUNCT
ajpdis-2241	82	28	class	class	NOUN
ajpdis-2241	82	29	origination	origination	NOUN
ajpdis-2241	82	30	platform	platform	NOUN
ajpdis-2241	82	31	.	.	PUNCT
ajpdis-2241	83	1	the	the	DET
ajpdis-2241	83	2	debate	debate	NOUN
ajpdis-2241	83	3	has	have	AUX
ajpdis-2241	83	4	focused	focus	VERB
ajpdis-2241	83	5	on	on	ADP
ajpdis-2241	83	6	how	how	SCONJ
ajpdis-2241	83	7	employing	employ	VERB
ajpdis-2241	83	8	different	different	ADJ
ajpdis-2241	83	9	systems	system	NOUN
ajpdis-2241	83	10	to	to	PART
ajpdis-2241	83	11	store	store	VERB
ajpdis-2241	83	12	data	datum	NOUN
ajpdis-2241	83	13	jeopardizes	jeopardize	VERB
ajpdis-2241	83	14	integrity	integrity	NOUN
ajpdis-2241	83	15	and	and	CCONJ
ajpdis-2241	83	16	requires	require	VERB
ajpdis-2241	83	17	laborious	laborious	ADJ
ajpdis-2241	83	18	reconciliation	reconciliation	NOUN
ajpdis-2241	83	19	processes	process	NOUN
ajpdis-2241	83	20	,	,	PUNCT
ajpdis-2241	83	21	which	which	PRON
ajpdis-2241	83	22	postpones	postpone	VERB
ajpdis-2241	83	23	the	the	DET
ajpdis-2241	83	24	development	development	NOUN
ajpdis-2241	83	25	of	of	ADP
ajpdis-2241	83	26	a	a	DET
ajpdis-2241	83	27	precise	precise	ADJ
ajpdis-2241	83	28	portfolio	portfolio	NOUN
ajpdis-2241	83	29	picture	picture	NOUN
ajpdis-2241	83	30	.	.	PUNCT
ajpdis-2241	84	1	there	there	PRON
ajpdis-2241	84	2	may	may	AUX
ajpdis-2241	84	3	be	be	AUX
ajpdis-2241	84	4	missed	miss	VERB
ajpdis-2241	84	5	opportunities	opportunity	NOUN
ajpdis-2241	84	6	as	as	ADP
ajpdis-2241	84	7	a	a	DET
ajpdis-2241	84	8	result	result	NOUN
ajpdis-2241	84	9	of	of	ADP
ajpdis-2241	84	10	this	this	DET
ajpdis-2241	84	11	delay	delay	NOUN
ajpdis-2241	84	12	to	to	PART
ajpdis-2241	84	13	promptly	promptly	ADV
ajpdis-2241	84	14	address	address	VERB
ajpdis-2241	84	15	issues	issue	NOUN
ajpdis-2241	84	16	.	.	PUNCT
ajpdis-2241	85	1	there	there	PRON
ajpdis-2241	85	2	are	be	VERB
ajpdis-2241	85	3	financial	financial	ADJ
ajpdis-2241	85	4	benefits	benefit	NOUN
ajpdis-2241	85	5	to	to	PART
ajpdis-2241	85	6	accurately	accurately	ADV
ajpdis-2241	85	7	measuring	measure	VERB
ajpdis-2241	85	8	a	a	DET
ajpdis-2241	85	9	loan	loan	NOUN
ajpdis-2241	85	10	portfolio	portfolio	NOUN
ajpdis-2241	85	11	,	,	PUNCT
ajpdis-2241	85	12	particularly	particularly	ADV
ajpdis-2241	85	13	with	with	ADP
ajpdis-2241	85	14	regard	regard	NOUN
ajpdis-2241	85	15	to	to	ADP
ajpdis-2241	85	16	capital	capital	NOUN
ajpdis-2241	85	17	usage	usage	NOUN
ajpdis-2241	85	18	.	.	PUNCT
ajpdis-2241	86	1	direct	direct	ADJ
ajpdis-2241	86	2	costs	cost	NOUN
ajpdis-2241	86	3	result	result	VERB
ajpdis-2241	86	4	from	from	ADP
ajpdis-2241	86	5	overstating	overstate	VERB
ajpdis-2241	86	6	risk	risk	NOUN
ajpdis-2241	86	7	-	-	PUNCT
ajpdis-2241	86	8	weighted	weight	VERB
ajpdis-2241	86	9	assets	asset	NOUN
ajpdis-2241	86	10	on	on	ADP
ajpdis-2241	86	11	the	the	DET
ajpdis-2241	86	12	balance	balance	NOUN
ajpdis-2241	86	13	sheet	sheet	NOUN
ajpdis-2241	86	14	.	.	PUNCT
ajpdis-2241	87	1	using	use	VERB
ajpdis-2241	87	2	a	a	DET
ajpdis-2241	87	3	portfolio	portfolio	NOUN
ajpdis-2241	87	4	data	datum	NOUN
ajpdis-2241	87	5	cleansing	cleansing	NOUN
ajpdis-2241	87	6	project	project	NOUN
ajpdis-2241	87	7	as	as	ADP
ajpdis-2241	87	8	an	an	DET
ajpdis-2241	87	9	example	example	NOUN
ajpdis-2241	87	10	,	,	PUNCT
ajpdis-2241	87	11	a	a	DET
ajpdis-2241	87	12	major	major	ADJ
ajpdis-2241	87	13	european	european	PROPN
ajpdis-2241	87	14	bank	bank	PROPN
ajpdis-2241	87	15	was	be	AUX
ajpdis-2241	87	16	able	able	ADJ
ajpdis-2241	87	17	to	to	PART
ajpdis-2241	87	18	save	save	VERB
ajpdis-2241	87	19	several	several	ADJ
ajpdis-2241	87	20	hundred	hundred	NUM
ajpdis-2241	87	21	million	million	NUM
ajpdis-2241	87	22	dollars	dollar	NOUN
ajpdis-2241	87	23	in	in	ADP
ajpdis-2241	87	24	capital	capital	NOUN
ajpdis-2241	87	25	.	.	PUNCT
ajpdis-2241	88	1	the	the	DET
ajpdis-2241	88	2	most	most	ADV
ajpdis-2241	88	3	important	important	ADJ
ajpdis-2241	88	4	lesson	lesson	NOUN
ajpdis-2241	88	5	is	be	AUX
ajpdis-2241	88	6	that	that	SCONJ
ajpdis-2241	88	7	these	these	DET
ajpdis-2241	88	8	kinds	kind	NOUN
ajpdis-2241	88	9	of	of	ADP
ajpdis-2241	88	10	problems	problem	NOUN
ajpdis-2241	88	11	can	can	AUX
ajpdis-2241	88	12	be	be	AUX
ajpdis-2241	88	13	avoided	avoid	VERB
ajpdis-2241	88	14	by	by	ADP
ajpdis-2241	88	15	automating	automate	VERB
ajpdis-2241	88	16	the	the	DET
ajpdis-2241	88	17	loan	loan	NOUN
ajpdis-2241	88	18	origination	origination	NOUN
ajpdis-2241	88	19	process	process	NOUN
ajpdis-2241	88	20	.	.	PUNCT
ajpdis-2241	89	1	this	this	PRON
ajpdis-2241	89	2	adds	add	VERB
ajpdis-2241	89	3	significant	significant	ADJ
ajpdis-2241	89	4	value	value	NOUN
ajpdis-2241	89	5	by	by	ADP
ajpdis-2241	89	6	enabling	enable	VERB
ajpdis-2241	89	7	the	the	DET
ajpdis-2241	89	8	creation	creation	NOUN
ajpdis-2241	89	9	of	of	ADP
ajpdis-2241	89	10	important	important	ADJ
ajpdis-2241	89	11	business	business	NOUN
ajpdis-2241	89	12	insights	insight	NOUN
ajpdis-2241	89	13	through	through	ADP
ajpdis-2241	89	14	effective	effective	ADJ
ajpdis-2241	89	15	reporting	reporting	NOUN
ajpdis-2241	89	16	tools	tool	NOUN
ajpdis-2241	89	17	and	and	CCONJ
ajpdis-2241	89	18	guaranteeing	guarantee	VERB
ajpdis-2241	89	19	strong	strong	ADJ
ajpdis-2241	89	20	governance	governance	NOUN
ajpdis-2241	89	21	and	and	CCONJ
ajpdis-2241	89	22	control	control	NOUN
ajpdis-2241	89	23	over	over	ADP
ajpdis-2241	89	24	risk	risk	NOUN
ajpdis-2241	89	25	data	datum	NOUN
ajpdis-2241	89	26	.	.	PUNCT
ajpdis-2241	90	1	3	3	NUM
ajpdis-2241	90	2	an	an	DET
ajpdis-2241	90	3	improved	improved	ADJ
ajpdis-2241	90	4	loan	loan	NOUN
ajpdis-2241	90	5	process	process	NOUN
ajpdis-2241	90	6	figure	figure	NOUN
ajpdis-2241	90	7	2	2	NUM
ajpdis-2241	90	8	shows	show	VERB
ajpdis-2241	90	9	an	an	DET
ajpdis-2241	90	10	improved	improved	ADJ
ajpdis-2241	90	11	loan	loan	NOUN
ajpdis-2241	90	12	process	process	NOUN
ajpdis-2241	90	13	model	model	NOUN
ajpdis-2241	90	14	illustrated	illustrate	VERB
ajpdis-2241	90	15	with	with	ADP
ajpdis-2241	90	16	a	a	DET
ajpdis-2241	90	17	uml	uml	NOUN
ajpdis-2241	90	18	sequence	sequence	NOUN
ajpdis-2241	90	19	diagram	diagram	NOUN
ajpdis-2241	90	20	.	.	PUNCT
ajpdis-2241	91	1	the	the	DET
ajpdis-2241	91	2	labels	label	NOUN
ajpdis-2241	91	3	inside	inside	ADP
ajpdis-2241	91	4	the	the	DET
ajpdis-2241	91	5	rectangles	rectangle	NOUN
ajpdis-2241	91	6	at	at	ADP
ajpdis-2241	91	7	the	the	DET
ajpdis-2241	91	8	top	top	NOUN
ajpdis-2241	91	9	of	of	ADP
ajpdis-2241	91	10	the	the	DET
ajpdis-2241	91	11	diagram	diagram	NOUN
ajpdis-2241	91	12	represent	represent	VERB
ajpdis-2241	91	13	the	the	DET
ajpdis-2241	91	14	participants	participant	NOUN
ajpdis-2241	91	15	in	in	ADP
ajpdis-2241	91	16	the	the	DET
ajpdis-2241	91	17	loan	loan	NOUN
ajpdis-2241	91	18	process	process	NOUN
ajpdis-2241	91	19	.	.	PUNCT
ajpdis-2241	92	1	the	the	DET
ajpdis-2241	92	2	actors	actor	NOUN
ajpdis-2241	92	3	'	'	PART
ajpdis-2241	92	4	life	life	NOUN
ajpdis-2241	92	5	lines	line	NOUN
ajpdis-2241	92	6	,	,	PUNCT
ajpdis-2241	92	7	which	which	PRON
ajpdis-2241	92	8	increase	increase	VERB
ajpdis-2241	92	9	from	from	ADP
ajpdis-2241	92	10	top	top	NOUN
ajpdis-2241	92	11	to	to	ADP
ajpdis-2241	92	12	bottom	bottom	NOUN
ajpdis-2241	92	13	in	in	ADP
ajpdis-2241	92	14	the	the	DET
ajpdis-2241	92	15	diagram	diagram	NOUN
ajpdis-2241	92	16	,	,	PUNCT
ajpdis-2241	92	17	are	be	AUX
ajpdis-2241	92	18	represented	represent	VERB
ajpdis-2241	92	19	by	by	ADP
ajpdis-2241	92	20	dashed	dash	VERB
ajpdis-2241	92	21	lines	line	NOUN
ajpdis-2241	92	22	.	.	PUNCT
ajpdis-2241	93	1	a	a	DET
ajpdis-2241	93	2	message	message	NOUN
ajpdis-2241	93	3	sent	send	VERB
ajpdis-2241	93	4	from	from	ADP
ajpdis-2241	93	5	the	the	DET
ajpdis-2241	93	6	source	source	NOUN
ajpdis-2241	93	7	life	life	NOUN
ajpdis-2241	93	8	line	line	NOUN
ajpdis-2241	93	9	actor	actor	NOUN
ajpdis-2241	93	10	to	to	ADP
ajpdis-2241	93	11	the	the	DET
ajpdis-2241	93	12	target	target	NOUN
ajpdis-2241	93	13	life	life	NOUN
ajpdis-2241	93	14	line	line	NOUN
ajpdis-2241	93	15	actor	actor	NOUN
ajpdis-2241	93	16	is	be	AUX
ajpdis-2241	93	17	524	524	NUM
ajpdis-2241	93	18	american	american	ADJ
ajpdis-2241	93	19	journal	journal	NOUN
ajpdis-2241	93	20	of	of	ADP
ajpdis-2241	93	21	public	public	ADJ
ajpdis-2241	93	22	diplomacy	diplomacy	NOUN
ajpdis-2241	93	23	and	and	CCONJ
ajpdis-2241	93	24	international	international	ADJ
ajpdis-2241	93	25	studies	study	NOUN
ajpdis-2241	93	26	www	www	PROPN
ajpdis-2241	93	27	.	.	PROPN
ajpdis-2241	94	1	grnjournal.us	grnjournal.u	NOUN
ajpdis-2241	94	2	represented	represent	VERB
ajpdis-2241	94	3	by	by	ADP
ajpdis-2241	94	4	an	an	DET
ajpdis-2241	94	5	arrow	arrow	NOUN
ajpdis-2241	94	6	joining	join	VERB
ajpdis-2241	94	7	two	two	NUM
ajpdis-2241	94	8	of	of	ADP
ajpdis-2241	94	9	these	these	DET
ajpdis-2241	94	10	life	life	NOUN
ajpdis-2241	94	11	lines	line	NOUN
ajpdis-2241	94	12	.	.	PUNCT
ajpdis-2241	95	1	where	where	SCONJ
ajpdis-2241	95	2	necessary	necessary	ADJ
ajpdis-2241	95	3	,	,	PUNCT
ajpdis-2241	95	4	the	the	DET
ajpdis-2241	95	5	arrow	arrow	NOUN
ajpdis-2241	95	6	labels	label	NOUN
ajpdis-2241	95	7	list	list	VERB
ajpdis-2241	95	8	the	the	DET
ajpdis-2241	95	9	message	message	NOUN
ajpdis-2241	95	10	names	name	NOUN
ajpdis-2241	95	11	along	along	ADP
ajpdis-2241	95	12	with	with	ADP
ajpdis-2241	95	13	their	their	PRON
ajpdis-2241	95	14	parameters	parameter	NOUN
ajpdis-2241	95	15	.	.	PUNCT
ajpdis-2241	96	1	when	when	SCONJ
ajpdis-2241	96	2	an	an	DET
ajpdis-2241	96	3	actor	actor	NOUN
ajpdis-2241	96	4	's	's	PART
ajpdis-2241	96	5	life	life	NOUN
ajpdis-2241	96	6	line	line	NOUN
ajpdis-2241	96	7	segments	segment	NOUN
ajpdis-2241	96	8	overlap	overlap	VERB
ajpdis-2241	96	9	a	a	DET
ajpdis-2241	96	10	certain	certain	ADJ
ajpdis-2241	96	11	diagram	diagram	NOUN
ajpdis-2241	96	12	level	level	NOUN
ajpdis-2241	96	13	between	between	ADP
ajpdis-2241	96	14	an	an	DET
ajpdis-2241	96	15	incoming	incoming	ADJ
ajpdis-2241	96	16	message	message	NOUN
ajpdis-2241	96	17	and	and	CCONJ
ajpdis-2241	96	18	the	the	DET
ajpdis-2241	96	19	outgoing	outgoing	ADJ
ajpdis-2241	96	20	message	message	NOUN
ajpdis-2241	96	21	that	that	PRON
ajpdis-2241	96	22	follows	follow	VERB
ajpdis-2241	96	23	it	it	PRON
ajpdis-2241	96	24	,	,	PUNCT
ajpdis-2241	96	25	the	the	DET
ajpdis-2241	96	26	figure	figure	NOUN
ajpdis-2241	96	27	shows	show	VERB
ajpdis-2241	96	28	actor	actor	NOUN
ajpdis-2241	96	29	concurrency	concurrency	NOUN
ajpdis-2241	96	30	.	.	PUNCT
ajpdis-2241	97	1	the	the	DET
ajpdis-2241	97	2	bottom	bottom	ADJ
ajpdis-2241	97	3	level	level	NOUN
ajpdis-2241	97	4	rectangle	rectangle	NOUN
ajpdis-2241	97	5	with	with	ADP
ajpdis-2241	97	6	the	the	DET
ajpdis-2241	97	7	messages	message	NOUN
ajpdis-2241	97	8	"	"	PUNCT
ajpdis-2241	97	9	payback	payback	NOUN
ajpdis-2241	97	10	(	(	PUNCT
ajpdis-2241	97	11	)	)	PUNCT
ajpdis-2241	97	12	"	"	PUNCT
ajpdis-2241	97	13	and	and	CCONJ
ajpdis-2241	97	14	"	"	PUNCT
ajpdis-2241	97	15	checkpayback	checkpayback	NOUN
ajpdis-2241	97	16	(	(	PUNCT
ajpdis-2241	97	17	)	)	PUNCT
ajpdis-2241	97	18	"	"	PUNCT
ajpdis-2241	97	19	indicates	indicate	VERB
ajpdis-2241	97	20	that	that	SCONJ
ajpdis-2241	97	21	these	these	DET
ajpdis-2241	97	22	messages	message	NOUN
ajpdis-2241	97	23	should	should	AUX
ajpdis-2241	97	24	be	be	AUX
ajpdis-2241	97	25	sent	send	VERB
ajpdis-2241	97	26	again	again	ADV
ajpdis-2241	97	27	and	and	CCONJ
ajpdis-2241	97	28	again	again	ADV
ajpdis-2241	97	29	until	until	SCONJ
ajpdis-2241	97	30	the	the	DET
ajpdis-2241	97	31	stop	stop	NOUN
ajpdis-2241	97	32	condition	condition	NOUN
ajpdis-2241	97	33	(	(	PUNCT
ajpdis-2241	97	34	shown	show	VERB
ajpdis-2241	97	35	below	below	ADP
ajpdis-2241	97	36	the	the	DET
ajpdis-2241	97	37	rectangle	rectangle	NOUN
ajpdis-2241	97	38	with	with	ADP
ajpdis-2241	97	39	the	the	DET
ajpdis-2241	97	40	asterisk	asterisk	NOUN
ajpdis-2241	97	41	)	)	PUNCT
ajpdis-2241	97	42	that	that	PRON
ajpdis-2241	97	43	reads	read	VERB
ajpdis-2241	97	44	"	"	PUNCT
ajpdis-2241	97	45	debit	debit	NOUN
ajpdis-2241	97	46	position	position	NOUN
ajpdis-2241	97	47	balanced	balanced	ADJ
ajpdis-2241	97	48	"	"	PUNCT
ajpdis-2241	97	49	is	be	AUX
ajpdis-2241	97	50	satisfied	satisfied	ADJ
ajpdis-2241	97	51	.	.	PUNCT
ajpdis-2241	98	1	this	this	DET
ajpdis-2241	98	2	diagram	diagram	NOUN
ajpdis-2241	98	3	can	can	AUX
ajpdis-2241	98	4	be	be	AUX
ajpdis-2241	98	5	used	use	VERB
ajpdis-2241	98	6	to	to	PART
ajpdis-2241	98	7	classify	classify	VERB
ajpdis-2241	98	8	actors	actor	NOUN
ajpdis-2241	98	9	into	into	ADP
ajpdis-2241	98	10	lending	lend	VERB
ajpdis-2241	98	11	market	market	NOUN
ajpdis-2241	98	12	-	-	PUNCT
ajpdis-2241	98	13	related	relate	VERB
ajpdis-2241	98	14	organizations	organization	NOUN
ajpdis-2241	98	15	.	.	PUNCT
ajpdis-2241	99	1	sets	set	NOUN
ajpdis-2241	99	2	of	of	ADP
ajpdis-2241	99	3	actors	actor	NOUN
ajpdis-2241	99	4	and	and	CCONJ
ajpdis-2241	99	5	cooperation	cooperation	NOUN
ajpdis-2241	99	6	protocols	protocol	NOUN
ajpdis-2241	99	7	can	can	AUX
ajpdis-2241	99	8	determine	determine	VERB
ajpdis-2241	99	9	the	the	DET
ajpdis-2241	99	10	corresponding	corresponding	ADJ
ajpdis-2241	99	11	business	business	NOUN
ajpdis-2241	99	12	models	model	NOUN
ajpdis-2241	99	13	.	.	PUNCT
ajpdis-2241	100	1	it	it	PRON
ajpdis-2241	100	2	's	be	AUX
ajpdis-2241	100	3	possible	possible	ADJ
ajpdis-2241	100	4	that	that	SCONJ
ajpdis-2241	100	5	some	some	PRON
ajpdis-2241	100	6	of	of	ADP
ajpdis-2241	100	7	these	these	DET
ajpdis-2241	100	8	business	business	NOUN
ajpdis-2241	100	9	models	model	NOUN
ajpdis-2241	100	10	are	be	AUX
ajpdis-2241	100	11	not	not	PART
ajpdis-2241	100	12	financially	financially	ADV
ajpdis-2241	100	13	viable	viable	ADJ
ajpdis-2241	100	14	.	.	PUNCT
ajpdis-2241	101	1	if	if	SCONJ
ajpdis-2241	101	2	all	all	DET
ajpdis-2241	101	3	activities	activity	NOUN
ajpdis-2241	101	4	within	within	ADP
ajpdis-2241	101	5	each	each	DET
ajpdis-2241	101	6	organization	organization	NOUN
ajpdis-2241	101	7	are	be	AUX
ajpdis-2241	101	8	automated	automate	VERB
ajpdis-2241	101	9	and	and	CCONJ
ajpdis-2241	101	10	data	datum	NOUN
ajpdis-2241	101	11	is	be	AUX
ajpdis-2241	101	12	exchanged	exchange	VERB
ajpdis-2241	101	13	between	between	ADP
ajpdis-2241	101	14	them	they	PRON
ajpdis-2241	101	15	via	via	ADP
ajpdis-2241	101	16	protocol	protocol	NOUN
ajpdis-2241	101	17	-	-	PUNCT
ajpdis-2241	101	18	compliant	compliant	NOUN
ajpdis-2241	101	19	messages	message	NOUN
ajpdis-2241	101	20	,	,	PUNCT
ajpdis-2241	101	21	then	then	ADV
ajpdis-2241	101	22	the	the	DET
ajpdis-2241	101	23	loan	loan	NOUN
ajpdis-2241	101	24	process	process	NOUN
ajpdis-2241	101	25	can	can	AUX
ajpdis-2241	101	26	be	be	AUX
ajpdis-2241	101	27	fully	fully	ADV
ajpdis-2241	101	28	automated	automate	VERB
ajpdis-2241	101	29	.	.	PUNCT
ajpdis-2241	102	1	this	this	DET
ajpdis-2241	102	2	data	datum	NOUN
ajpdis-2241	102	3	can	can	AUX
ajpdis-2241	102	4	then	then	ADV
ajpdis-2241	102	5	be	be	AUX
ajpdis-2241	102	6	automatically	automatically	ADV
ajpdis-2241	102	7	extracted	extract	VERB
ajpdis-2241	102	8	and	and	CCONJ
ajpdis-2241	102	9	utilized	utilize	VERB
ajpdis-2241	102	10	as	as	ADP
ajpdis-2241	102	11	input	input	NOUN
ajpdis-2241	102	12	for	for	ADP
ajpdis-2241	102	13	the	the	DET
ajpdis-2241	102	14	subsequent	subsequent	ADJ
ajpdis-2241	102	15	activity	activity	NOUN
ajpdis-2241	102	16	in	in	ADP
ajpdis-2241	102	17	the	the	DET
ajpdis-2241	102	18	receiving	receive	VERB
ajpdis-2241	102	19	organization	organization	NOUN
ajpdis-2241	102	20	.	.	PUNCT
ajpdis-2241	103	1	for	for	SCONJ
ajpdis-2241	103	2	the	the	DET
ajpdis-2241	103	3	loan	loan	NOUN
ajpdis-2241	103	4	process	process	NOUN
ajpdis-2241	103	5	to	to	PART
ajpdis-2241	103	6	be	be	AUX
ajpdis-2241	103	7	automated	automate	VERB
ajpdis-2241	103	8	,	,	PUNCT
ajpdis-2241	103	9	it	it	PRON
ajpdis-2241	103	10	is	be	AUX
ajpdis-2241	103	11	necessary	necessary	ADJ
ajpdis-2241	103	12	to	to	PART
ajpdis-2241	103	13	understand	understand	VERB
ajpdis-2241	103	14	the	the	DET
ajpdis-2241	103	15	formats	format	NOUN
ajpdis-2241	103	16	of	of	ADP
ajpdis-2241	103	17	both	both	PRON
ajpdis-2241	103	18	exchanged	exchange	VERB
ajpdis-2241	103	19	and	and	CCONJ
ajpdis-2241	103	20	stored	store	VERB
ajpdis-2241	103	21	data	datum	NOUN
ajpdis-2241	103	22	.	.	PUNCT
ajpdis-2241	104	1	for	for	ADP
ajpdis-2241	104	2	this	this	DET
ajpdis-2241	104	3	purpose	purpose	NOUN
ajpdis-2241	104	4	,	,	PUNCT
ajpdis-2241	104	5	story	story	NOUN
ajpdis-2241	104	6	boarding	boarding	NOUN
ajpdis-2241	104	7	can	can	AUX
ajpdis-2241	104	8	be	be	AUX
ajpdis-2241	104	9	employed	employ	VERB
ajpdis-2241	104	10	.	.	PUNCT
ajpdis-2241	105	1	3.1	3.1	NUM
ajpdis-2241	105	2	a	a	DET
ajpdis-2241	105	3	loan	loan	NOUN
ajpdis-2241	105	4	application	application	NOUN
ajpdis-2241	105	5	scenario	scenario	NOUN
ajpdis-2241	105	6	the	the	DET
ajpdis-2241	105	7	figure	figure	NOUN
ajpdis-2241	105	8	shows	show	VERB
ajpdis-2241	105	9	the	the	DET
ajpdis-2241	105	10	online	online	ADJ
ajpdis-2241	105	11	home	home	NOUN
ajpdis-2241	105	12	loan	loan	NOUN
ajpdis-2241	105	13	application	application	NOUN
ajpdis-2241	105	14	fig	fig	NOUN
ajpdis-2241	105	15	.	.	PUNCT
ajpdis-2241	106	1	2	2	X
ajpdis-2241	106	2	.	.	X
ajpdis-2241	106	3	an	an	DET
ajpdis-2241	106	4	improved	improved	ADJ
ajpdis-2241	106	5	loan	loan	NOUN
ajpdis-2241	106	6	process	process	NOUN
ajpdis-2241	106	7	fig	fig	NOUN
ajpdis-2241	106	8	.	.	PUNCT
ajpdis-2241	107	1	3	3	X
ajpdis-2241	107	2	.	.	X
ajpdis-2241	107	3	online	online	PROPN
ajpdis-2241	107	4	home	home	PROPN
ajpdis-2241	107	5	loan	loan	NOUN
ajpdis-2241	107	6	application	application	NOUN
ajpdis-2241	107	7	scenario	scenario	NOUN
ajpdis-2241	107	8	525	525	NUM
ajpdis-2241	107	9	american	american	PROPN
ajpdis-2241	107	10	journal	journal	PROPN
ajpdis-2241	107	11	of	of	ADP
ajpdis-2241	107	12	public	public	ADJ
ajpdis-2241	107	13	diplomacy	diplomacy	NOUN
ajpdis-2241	107	14	and	and	CCONJ
ajpdis-2241	107	15	international	international	ADJ
ajpdis-2241	107	16	studies	study	NOUN
ajpdis-2241	107	17	www	www	PROPN
ajpdis-2241	107	18	.	.	PROPN
ajpdis-2241	108	1	grnjournal.us	grnjournal.us	NUM
ajpdis-2241	108	2	wis	wis	PROPN
ajpdis-2241	108	3	.	.	PUNCT
ajpdis-2241	109	1	ovals	oval	NOUN
ajpdis-2241	109	2	are	be	AUX
ajpdis-2241	109	3	used	use	VERB
ajpdis-2241	109	4	to	to	PART
ajpdis-2241	109	5	represent	represent	VERB
ajpdis-2241	109	6	the	the	DET
ajpdis-2241	109	7	locations	location	NOUN
ajpdis-2241	109	8	within	within	ADP
ajpdis-2241	109	9	the	the	DET
ajpdis-2241	109	10	corresponding	corresponding	ADJ
ajpdis-2241	109	11	application	application	NOUN
ajpdis-2241	109	12	space	space	NOUN
ajpdis-2241	109	13	—	—	PUNCT
ajpdis-2241	109	14	referred	refer	VERB
ajpdis-2241	109	15	to	to	ADP
ajpdis-2241	109	16	as	as	ADP
ajpdis-2241	109	17	scenes	scene	NOUN
ajpdis-2241	109	18	—	—	PUNCT
ajpdis-2241	109	19	where	where	SCONJ
ajpdis-2241	109	20	significant	significant	ADJ
ajpdis-2241	109	21	customer	customer	NOUN
ajpdis-2241	109	22	wis	wis	VERB
ajpdis-2241	109	23	interactions	interaction	NOUN
ajpdis-2241	109	24	occur	occur	VERB
ajpdis-2241	109	25	.	.	PUNCT
ajpdis-2241	110	1	generally	generally	ADV
ajpdis-2241	110	2	speaking	speak	VERB
ajpdis-2241	110	3	,	,	PUNCT
ajpdis-2241	110	4	we	we	PRON
ajpdis-2241	110	5	label	label	VERB
ajpdis-2241	110	6	scenes	scene	NOUN
ajpdis-2241	110	7	with	with	ADP
ajpdis-2241	110	8	names	name	NOUN
ajpdis-2241	110	9	,	,	PUNCT
ajpdis-2241	110	10	but	but	CCONJ
ajpdis-2241	110	11	occasionally	occasionally	ADV
ajpdis-2241	110	12	we	we	PRON
ajpdis-2241	110	13	do	do	VERB
ajpdis-2241	110	14	n't	not	PART
ajpdis-2241	110	15	.	.	PUNCT
ajpdis-2241	111	1	scene	scene	NOUN
ajpdis-2241	111	2	transitions	transition	NOUN
ajpdis-2241	111	3	are	be	AUX
ajpdis-2241	111	4	represented	represent	VERB
ajpdis-2241	111	5	by	by	ADP
ajpdis-2241	111	6	the	the	DET
ajpdis-2241	111	7	arrows	arrow	NOUN
ajpdis-2241	111	8	between	between	ADP
ajpdis-2241	111	9	scenes	scene	NOUN
ajpdis-2241	111	10	.	.	PUNCT
ajpdis-2241	112	1	scene	scene	NOUN
ajpdis-2241	112	2	changes	change	NOUN
ajpdis-2241	112	3	result	result	VERB
ajpdis-2241	112	4	from	from	ADP
ajpdis-2241	112	5	maneuvering	maneuver	VERB
ajpdis-2241	112	6	or	or	CCONJ
ajpdis-2241	112	7	carrying	carry	VERB
ajpdis-2241	112	8	out	out	ADP
ajpdis-2241	112	9	an	an	DET
ajpdis-2241	112	10	operation	operation	NOUN
ajpdis-2241	112	11	.	.	PUNCT
ajpdis-2241	113	1	representations	representation	NOUN
ajpdis-2241	113	2	of	of	ADP
ajpdis-2241	113	3	navigation	navigation	NOUN
ajpdis-2241	113	4	functionality	functionality	NOUN
ajpdis-2241	113	5	,	,	PUNCT
ajpdis-2241	113	6	data	datum	NOUN
ajpdis-2241	113	7	,	,	PUNCT
ajpdis-2241	113	8	operations	operation	NOUN
ajpdis-2241	113	9	,	,	PUNCT
ajpdis-2241	113	10	and	and	CCONJ
ajpdis-2241	113	11	advertisements	advertisement	NOUN
ajpdis-2241	113	12	are	be	AUX
ajpdis-2241	113	13	item	item	NOUN
ajpdis-2241	113	14	lists	list	NOUN
ajpdis-2241	113	15	within	within	ADP
ajpdis-2241	113	16	a	a	DET
ajpdis-2241	113	17	hexagon	hexagon	NOUN
ajpdis-2241	113	18	,	,	PUNCT
ajpdis-2241	113	19	rounded	rounded	ADJ
ajpdis-2241	113	20	box	box	NOUN
ajpdis-2241	113	21	,	,	PUNCT
ajpdis-2241	113	22	or	or	CCONJ
ajpdis-2241	113	23	rectangle	rectangle	NOUN
ajpdis-2241	113	24	.	.	PUNCT
ajpdis-2241	114	1	the	the	DET
ajpdis-2241	114	2	customer	customer	NOUN
ajpdis-2241	114	3	's	's	PART
ajpdis-2241	114	4	selected	select	VERB
ajpdis-2241	114	5	link	link	NOUN
ajpdis-2241	114	6	,	,	PUNCT
ajpdis-2241	114	7	data	datum	NOUN
ajpdis-2241	114	8	,	,	PUNCT
ajpdis-2241	114	9	or	or	CCONJ
ajpdis-2241	114	10	operation	operation	NOUN
ajpdis-2241	114	11	in	in	ADP
ajpdis-2241	114	12	a	a	DET
ajpdis-2241	114	13	scene	scene	NOUN
ajpdis-2241	114	14	is	be	AUX
ajpdis-2241	114	15	highlighted	highlight	VERB
ajpdis-2241	114	16	.	.	PUNCT
ajpdis-2241	115	1	if	if	SCONJ
ajpdis-2241	115	2	performing	perform	VERB
ajpdis-2241	115	3	multiple	multiple	ADJ
ajpdis-2241	115	4	actions	action	NOUN
ajpdis-2241	115	5	is	be	AUX
ajpdis-2241	115	6	necessary	necessary	ADJ
ajpdis-2241	115	7	to	to	PART
ajpdis-2241	115	8	move	move	VERB
ajpdis-2241	115	9	on	on	ADP
ajpdis-2241	115	10	to	to	ADP
ajpdis-2241	115	11	the	the	DET
ajpdis-2241	115	12	next	next	ADJ
ajpdis-2241	115	13	scene	scene	NOUN
ajpdis-2241	115	14	,	,	PUNCT
ajpdis-2241	115	15	each	each	PRON
ajpdis-2241	115	16	of	of	ADP
ajpdis-2241	115	17	these	these	DET
ajpdis-2241	115	18	actions	action	NOUN
ajpdis-2241	115	19	is	be	AUX
ajpdis-2241	115	20	highlighted	highlight	VERB
ajpdis-2241	115	21	.	.	PUNCT
ajpdis-2241	116	1	indicate	indicate	VERB
ajpdis-2241	116	2	that	that	DET
ajpdis-2241	116	3	list	list	NOUN
ajpdis-2241	116	4	of	of	ADP
ajpdis-2241	116	5	navigation	navigation	NOUN
ajpdis-2241	116	6	items	item	NOUN
ajpdis-2241	116	7	n	n	PRON
ajpdis-2241	116	8	is	be	AUX
ajpdis-2241	116	9	represented	represent	VERB
ajpdis-2241	116	10	as	as	ADP
ajpdis-2241	116	11	n	n	X
ajpdis-2241	116	12	j.	j.	PROPN
ajpdis-2241	116	13	an	an	DET
ajpdis-2241	116	14	arrow	arrow	NOUN
ajpdis-2241	116	15	with	with	ADP
ajpdis-2241	116	16	a	a	DET
ajpdis-2241	116	17	dash	dash	NOUN
ajpdis-2241	116	18	from	from	ADP
ajpdis-2241	116	19	n	n	DET
ajpdis-2241	116	20	j	j	PROPN
ajpdis-2241	116	21	to	to	ADP
ajpdis-2241	116	22	rj	rj	PROPN
ajpdis-2241	116	23	signifies	signify	VERB
ajpdis-2241	116	24	that	that	SCONJ
ajpdis-2241	116	25	a	a	DET
ajpdis-2241	116	26	refinement	refinement	NOUN
ajpdis-2241	116	27	r	r	NOUN
ajpdis-2241	116	28	of	of	ADP
ajpdis-2241	116	29	i	i	PRON
ajpdis-2241	116	30	is	be	AUX
ajpdis-2241	116	31	displayed	display	VERB
ajpdis-2241	116	32	when	when	SCONJ
ajpdis-2241	116	33	one	one	PRON
ajpdis-2241	116	34	clicks	click	VERB
ajpdis-2241	116	35	on	on	ADP
ajpdis-2241	116	36	an	an	DET
ajpdis-2241	116	37	item	item	NOUN
ajpdis-2241	116	38	i	i	PRON
ajpdis-2241	116	39	of	of	ADP
ajpdis-2241	116	40	n.	n.	PROPN
ajpdis-2241	116	41	i	i	PRON
ajpdis-2241	116	42	am	be	AUX
ajpdis-2241	116	43	then	then	ADV
ajpdis-2241	116	44	emphasized	emphasize	VERB
ajpdis-2241	116	45	twice	twice	ADV
ajpdis-2241	116	46	.	.	PUNCT
ajpdis-2241	117	1	the	the	DET
ajpdis-2241	117	2	navigation	navigation	NOUN
ajpdis-2241	117	3	items	item	NOUN
ajpdis-2241	117	4	,	,	PUNCT
ajpdis-2241	117	5	data	datum	NOUN
ajpdis-2241	117	6	and	and	CCONJ
ajpdis-2241	117	7	operations	operation	NOUN
ajpdis-2241	117	8	,	,	PUNCT
ajpdis-2241	117	9	and	and	CCONJ
ajpdis-2241	117	10	advertisements	advertisement	NOUN
ajpdis-2241	117	11	that	that	PRON
ajpdis-2241	117	12	are	be	AUX
ajpdis-2241	117	13	accessible	accessible	ADJ
ajpdis-2241	117	14	at	at	ADP
ajpdis-2241	117	15	the	the	DET
ajpdis-2241	117	16	scene	scene	NOUN
ajpdis-2241	117	17	are	be	AUX
ajpdis-2241	117	18	indicated	indicate	VERB
ajpdis-2241	117	19	by	by	ADP
ajpdis-2241	117	20	the	the	DET
ajpdis-2241	117	21	dotted	dotted	ADJ
ajpdis-2241	117	22	lines	line	NOUN
ajpdis-2241	117	23	that	that	PRON
ajpdis-2241	117	24	link	link	NOUN
ajpdis-2241	117	25	rectangles	rectangle	NOUN
ajpdis-2241	117	26	,	,	PUNCT
ajpdis-2241	117	27	rounded	rounded	ADJ
ajpdis-2241	117	28	boxes	box	NOUN
ajpdis-2241	117	29	,	,	PUNCT
ajpdis-2241	117	30	and	and	CCONJ
ajpdis-2241	117	31	hexagons	hexagon	NOUN
ajpdis-2241	117	32	to	to	ADP
ajpdis-2241	117	33	the	the	DET
ajpdis-2241	117	34	corresponding	corresponding	ADJ
ajpdis-2241	117	35	scenes	scene	NOUN
ajpdis-2241	117	36	.	.	PUNCT
ajpdis-2241	118	1	there	there	PRON
ajpdis-2241	118	2	is	be	VERB
ajpdis-2241	118	3	no	no	DET
ajpdis-2241	118	4	scene	scene	NOUN
ajpdis-2241	118	5	label	label	NOUN
ajpdis-2241	118	6	indicating	indicate	VERB
ajpdis-2241	118	7	that	that	SCONJ
ajpdis-2241	118	8	the	the	DET
ajpdis-2241	118	9	scenario	scenario	NOUN
ajpdis-2241	118	10	being	be	AUX
ajpdis-2241	118	11	shown	show	VERB
ajpdis-2241	118	12	is	be	AUX
ajpdis-2241	118	13	accessible	accessible	ADJ
ajpdis-2241	118	14	to	to	ADP
ajpdis-2241	118	15	all	all	DET
ajpdis-2241	118	16	customers	customer	NOUN
ajpdis-2241	118	17	.	.	PUNCT
ajpdis-2241	119	1	sitelang	sitelang	PROPN
ajpdis-2241	119	2	enables	enable	VERB
ajpdis-2241	119	3	a	a	DET
ajpdis-2241	119	4	clear	clear	ADJ
ajpdis-2241	119	5	declaration	declaration	NOUN
ajpdis-2241	119	6	of	of	ADP
ajpdis-2241	119	7	the	the	DET
ajpdis-2241	119	8	dialogues	dialogue	NOUN
ajpdis-2241	119	9	,	,	PUNCT
ajpdis-2241	119	10	navigation	navigation	NOUN
ajpdis-2241	119	11	features	feature	NOUN
ajpdis-2241	119	12	,	,	PUNCT
ajpdis-2241	119	13	and	and	CCONJ
ajpdis-2241	119	14	content	content	NOUN
ajpdis-2241	119	15	that	that	PRON
ajpdis-2241	119	16	users	user	NOUN
ajpdis-2241	119	17	of	of	ADP
ajpdis-2241	119	18	a	a	DET
ajpdis-2241	119	19	particular	particular	ADJ
ajpdis-2241	119	20	type	type	NOUN
ajpdis-2241	119	21	can	can	AUX
ajpdis-2241	119	22	access	access	VERB
ajpdis-2241	119	23	at	at	ADP
ajpdis-2241	119	24	a	a	DET
ajpdis-2241	119	25	scene	scene	NOUN
ajpdis-2241	119	26	.	.	PUNCT
ajpdis-2241	120	1	as	as	ADP
ajpdis-2241	120	2	a	a	DET
ajpdis-2241	120	3	result	result	NOUN
ajpdis-2241	120	4	,	,	PUNCT
ajpdis-2241	120	5	it	it	PRON
ajpdis-2241	120	6	might	might	AUX
ajpdis-2241	120	7	contribute	contribute	VERB
ajpdis-2241	120	8	to	to	ADP
ajpdis-2241	120	9	the	the	DET
ajpdis-2241	120	10	automation	automation	NOUN
ajpdis-2241	120	11	of	of	ADP
ajpdis-2241	120	12	loan	loan	NOUN
ajpdis-2241	120	13	procedures	procedure	NOUN
ajpdis-2241	120	14	to	to	ADP
ajpdis-2241	120	15	the	the	DET
ajpdis-2241	120	16	point	point	NOUN
ajpdis-2241	120	17	where	where	SCONJ
ajpdis-2241	120	18	the	the	DET
ajpdis-2241	120	19	only	only	ADJ
ajpdis-2241	120	20	manual	manual	ADJ
ajpdis-2241	120	21	process	process	NOUN
ajpdis-2241	120	22	left	leave	VERB
ajpdis-2241	120	23	is	be	AUX
ajpdis-2241	120	24	identifying	identify	VERB
ajpdis-2241	120	25	the	the	DET
ajpdis-2241	120	26	customer	customer	NOUN
ajpdis-2241	120	27	-	-	PUNCT
ajpdis-2241	120	28	supplied	supply	VERB
ajpdis-2241	120	29	data	datum	NOUN
ajpdis-2241	120	30	as	as	ADP
ajpdis-2241	120	31	legitimate	legitimate	ADJ
ajpdis-2241	120	32	and	and	CCONJ
ajpdis-2241	120	33	exceptional	exceptional	ADJ
ajpdis-2241	120	34	payment	payment	NOUN
ajpdis-2241	120	35	collection	collection	NOUN
ajpdis-2241	120	36	.	.	PUNCT
ajpdis-2241	121	1	this	this	DET
ajpdis-2241	121	2	succinct	succinct	ADJ
ajpdis-2241	121	3	explanation	explanation	NOUN
ajpdis-2241	121	4	of	of	ADP
ajpdis-2241	121	5	the	the	DET
ajpdis-2241	121	6	use	use	NOUN
ajpdis-2241	121	7	of	of	ADP
ajpdis-2241	121	8	story	story	NOUN
ajpdis-2241	121	9	boarding	boarding	NOUN
ajpdis-2241	121	10	in	in	ADP
ajpdis-2241	121	11	business	business	NOUN
ajpdis-2241	121	12	development	development	NOUN
ajpdis-2241	121	13	demonstrates	demonstrate	VERB
ajpdis-2241	121	14	that	that	SCONJ
ajpdis-2241	121	15	,	,	PUNCT
ajpdis-2241	121	16	given	give	VERB
ajpdis-2241	121	17	a	a	DET
ajpdis-2241	121	18	business	business	NOUN
ajpdis-2241	121	19	understanding	understanding	NOUN
ajpdis-2241	121	20	,	,	PUNCT
ajpdis-2241	121	21	it	it	PRON
ajpdis-2241	121	22	is	be	AUX
ajpdis-2241	121	23	possible	possible	ADJ
ajpdis-2241	121	24	to	to	PART
ajpdis-2241	121	25	predict	predict	VERB
ajpdis-2241	121	26	customers	customer	NOUN
ajpdis-2241	121	27	'	'	PART
ajpdis-2241	121	28	requirements	requirement	NOUN
ajpdis-2241	121	29	for	for	ADP
ajpdis-2241	121	30	data	data	NOUN
ajpdis-2241	121	31	access	access	NOUN
ajpdis-2241	121	32	,	,	PUNCT
ajpdis-2241	121	33	operations	operation	NOUN
ajpdis-2241	121	34	,	,	PUNCT
ajpdis-2241	121	35	and	and	CCONJ
ajpdis-2241	121	36	navigational	navigational	ADJ
ajpdis-2241	121	37	features	feature	NOUN
ajpdis-2241	121	38	.	.	PUNCT
ajpdis-2241	122	1	by	by	ADP
ajpdis-2241	122	2	extending	extend	VERB
ajpdis-2241	122	3	this	this	DET
ajpdis-2241	122	4	expectation	expectation	NOUN
ajpdis-2241	122	5	into	into	ADP
ajpdis-2241	122	6	a	a	DET
ajpdis-2241	122	7	description	description	NOUN
ajpdis-2241	122	8	,	,	PUNCT
ajpdis-2241	122	9	it	it	PRON
ajpdis-2241	122	10	is	be	AUX
ajpdis-2241	122	11	possible	possible	ADJ
ajpdis-2241	122	12	to	to	PART
ajpdis-2241	122	13	use	use	VERB
ajpdis-2241	122	14	schema	schema	NOUN
ajpdis-2241	122	15	integration	integration	NOUN
ajpdis-2241	122	16	techniques	technique	NOUN
ajpdis-2241	122	17	to	to	PART
ajpdis-2241	122	18	derive	derive	VERB
ajpdis-2241	122	19	views	view	NOUN
ajpdis-2241	122	20	and	and	CCONJ
ajpdis-2241	122	21	access	access	NOUN
ajpdis-2241	122	22	structures	structure	NOUN
ajpdis-2241	122	23	that	that	PRON
ajpdis-2241	122	24	best	good	ADJ
ajpdis-2241	122	25	support	support	VERB
ajpdis-2241	122	26	users	user	NOUN
ajpdis-2241	122	27	in	in	ADP
ajpdis-2241	122	28	carrying	carry	VERB
ajpdis-2241	122	29	out	out	ADP
ajpdis-2241	122	30	their	their	PRON
ajpdis-2241	122	31	jobs	job	NOUN
ajpdis-2241	122	32	and	and	CCONJ
ajpdis-2241	122	33	to	to	PART
ajpdis-2241	122	34	obtain	obtain	VERB
ajpdis-2241	122	35	a	a	DET
ajpdis-2241	122	36	consolidated	consolidated	ADJ
ajpdis-2241	122	37	representation	representation	NOUN
ajpdis-2241	122	38	of	of	ADP
ajpdis-2241	122	39	the	the	DET
ajpdis-2241	122	40	data	datum	NOUN
ajpdis-2241	122	41	that	that	PRON
ajpdis-2241	122	42	is	be	AUX
ajpdis-2241	122	43	needed	need	VERB
ajpdis-2241	122	44	.	.	PUNCT
ajpdis-2241	123	1	we	we	PRON
ajpdis-2241	123	2	do	do	AUX
ajpdis-2241	123	3	n't	not	PART
ajpdis-2241	123	4	go	go	VERB
ajpdis-2241	123	5	into	into	ADP
ajpdis-2241	123	6	more	more	ADJ
ajpdis-2241	123	7	detail	detail	NOUN
ajpdis-2241	123	8	about	about	ADP
ajpdis-2241	123	9	this	this	PRON
ajpdis-2241	123	10	because	because	SCONJ
ajpdis-2241	123	11	of	of	ADP
ajpdis-2241	123	12	space	space	NOUN
ajpdis-2241	123	13	constraints	constraint	NOUN
ajpdis-2241	123	14	.	.	PUNCT
ajpdis-2241	124	1	conclusion	conclusion	NOUN
ajpdis-2241	124	2	we	we	PRON
ajpdis-2241	124	3	examine	examine	VERB
ajpdis-2241	124	4	the	the	DET
ajpdis-2241	124	5	online	online	ADJ
ajpdis-2241	124	6	loan	loan	NOUN
ajpdis-2241	124	7	application	application	NOUN
ajpdis-2241	124	8	process	process	NOUN
ajpdis-2241	124	9	in	in	ADP
ajpdis-2241	124	10	this	this	DET
ajpdis-2241	124	11	paper	paper	NOUN
ajpdis-2241	124	12	,	,	PUNCT
ajpdis-2241	124	13	pointing	point	VERB
ajpdis-2241	124	14	out	out	ADP
ajpdis-2241	124	15	a	a	DET
ajpdis-2241	124	16	big	big	ADJ
ajpdis-2241	124	17	disconnect	disconnect	NOUN
ajpdis-2241	124	18	between	between	ADP
ajpdis-2241	124	19	web	web	NOUN
ajpdis-2241	124	20	technology	technology	NOUN
ajpdis-2241	124	21	's	's	PART
ajpdis-2241	124	22	potential	potential	NOUN
ajpdis-2241	124	23	and	and	CCONJ
ajpdis-2241	124	24	its	its	PRON
ajpdis-2241	124	25	actual	actual	ADJ
ajpdis-2241	124	26	application	application	NOUN
ajpdis-2241	124	27	.	.	PUNCT
ajpdis-2241	125	1	we	we	PRON
ajpdis-2241	125	2	suggest	suggest	VERB
ajpdis-2241	125	3	that	that	SCONJ
ajpdis-2241	125	4	the	the	DET
ajpdis-2241	125	5	storyboarding	storyboarde	VERB
ajpdis-2241	125	6	technique	technique	NOUN
ajpdis-2241	125	7	can	can	AUX
ajpdis-2241	125	8	significantly	significantly	ADV
ajpdis-2241	125	9	boost	boost	VERB
ajpdis-2241	125	10	loan	loan	NOUN
ajpdis-2241	125	11	process	process	NOUN
ajpdis-2241	125	12	automation	automation	NOUN
ajpdis-2241	125	13	.	.	PUNCT
ajpdis-2241	126	1	globally	globally	ADV
ajpdis-2241	126	2	,	,	PUNCT
ajpdis-2241	126	3	automation	automation	NOUN
ajpdis-2241	126	4	has	have	AUX
ajpdis-2241	126	5	been	be	AUX
ajpdis-2241	126	6	a	a	DET
ajpdis-2241	126	7	major	major	ADJ
ajpdis-2241	126	8	factor	factor	NOUN
ajpdis-2241	126	9	in	in	ADP
ajpdis-2241	126	10	increasing	increase	VERB
ajpdis-2241	126	11	productivity	productivity	NOUN
ajpdis-2241	126	12	across	across	ADP
ajpdis-2241	126	13	many	many	ADJ
ajpdis-2241	126	14	industries	industry	NOUN
ajpdis-2241	126	15	,	,	PUNCT
ajpdis-2241	126	16	with	with	ADP
ajpdis-2241	126	17	banking	banking	NOUN
ajpdis-2241	126	18	being	be	AUX
ajpdis-2241	126	19	one	one	NUM
ajpdis-2241	126	20	of	of	ADP
ajpdis-2241	126	21	the	the	DET
ajpdis-2241	126	22	first	first	ADJ
ajpdis-2241	126	23	to	to	PART
ajpdis-2241	126	24	embrace	embrace	VERB
ajpdis-2241	126	25	new	new	ADJ
ajpdis-2241	126	26	technology	technology	NOUN
ajpdis-2241	126	27	.	.	PUNCT
ajpdis-2241	127	1	still	still	ADV
ajpdis-2241	127	2	,	,	PUNCT
ajpdis-2241	127	3	there	there	PRON
ajpdis-2241	127	4	has	have	AUX
ajpdis-2241	127	5	been	be	AUX
ajpdis-2241	127	6	a	a	DET
ajpdis-2241	127	7	dated	date	VERB
ajpdis-2241	127	8	persistence	persistence	NOUN
ajpdis-2241	127	9	in	in	ADP
ajpdis-2241	127	10	the	the	DET
ajpdis-2241	127	11	origination	origination	NOUN
ajpdis-2241	127	12	of	of	ADP
ajpdis-2241	127	13	small	small	ADJ
ajpdis-2241	127	14	business	business	NOUN
ajpdis-2241	127	15	and	and	CCONJ
ajpdis-2241	127	16	commercial	commercial	ADJ
ajpdis-2241	127	17	loans	loan	NOUN
ajpdis-2241	127	18	.	.	PUNCT
ajpdis-2241	128	1	technological	technological	ADJ
ajpdis-2241	128	2	competitors	competitor	NOUN
ajpdis-2241	128	3	are	be	AUX
ajpdis-2241	128	4	changing	change	VERB
ajpdis-2241	128	5	the	the	DET
ajpdis-2241	128	6	commercial	commercial	ADJ
ajpdis-2241	128	7	lending	lending	NOUN
ajpdis-2241	128	8	landscape	landscape	NOUN
ajpdis-2241	128	9	,	,	PUNCT
ajpdis-2241	128	10	forcing	force	VERB
ajpdis-2241	128	11	traditional	traditional	ADJ
ajpdis-2241	128	12	lenders	lender	NOUN
ajpdis-2241	128	13	to	to	PART
ajpdis-2241	128	14	use	use	VERB
ajpdis-2241	128	15	automated	automate	VERB
ajpdis-2241	128	16	loan	loan	NOUN
ajpdis-2241	128	17	origination	origination	NOUN
ajpdis-2241	128	18	processes	process	NOUN
ajpdis-2241	128	19	.	.	PUNCT
ajpdis-2241	129	1	lenders	lender	NOUN
ajpdis-2241	129	2	are	be	AUX
ajpdis-2241	129	3	integrating	integrate	VERB
ajpdis-2241	129	4	technology	technology	NOUN
ajpdis-2241	129	5	to	to	PART
ajpdis-2241	129	6	get	get	VERB
ajpdis-2241	129	7	more	more	ADV
ajpdis-2241	129	8	insightful	insightful	ADJ
ajpdis-2241	129	9	business	business	NOUN
ajpdis-2241	129	10	information	information	NOUN
ajpdis-2241	129	11	because	because	SCONJ
ajpdis-2241	129	12	they	they	PRON
ajpdis-2241	129	13	are	be	AUX
ajpdis-2241	129	14	driven	drive	VERB
ajpdis-2241	129	15	by	by	ADP
ajpdis-2241	129	16	competition	competition	NOUN
ajpdis-2241	129	17	,	,	PUNCT
ajpdis-2241	129	18	efficiency	efficiency	NOUN
ajpdis-2241	129	19	,	,	PUNCT
ajpdis-2241	129	20	customer	customer	NOUN
ajpdis-2241	129	21	responsiveness	responsiveness	NOUN
ajpdis-2241	129	22	,	,	PUNCT
ajpdis-2241	129	23	cost	cost	NOUN
ajpdis-2241	129	24	savings	saving	NOUN
ajpdis-2241	129	25	,	,	PUNCT
ajpdis-2241	129	26	regulatory	regulatory	ADJ
ajpdis-2241	129	27	compliance	compliance	NOUN
ajpdis-2241	129	28	,	,	PUNCT
ajpdis-2241	129	29	and	and	CCONJ
ajpdis-2241	129	30	data	datum	NOUN
ajpdis-2241	129	31	control	control	NOUN
ajpdis-2241	129	32	factors	factor	NOUN
ajpdis-2241	129	33	.	.	PUNCT
ajpdis-2241	130	1	lenders	lender	NOUN
ajpdis-2241	130	2	see	see	VERB
ajpdis-2241	130	3	automation	automation	NOUN
ajpdis-2241	130	4	as	as	ADP
ajpdis-2241	130	5	a	a	DET
ajpdis-2241	130	6	tool	tool	NOUN
ajpdis-2241	130	7	to	to	PART
ajpdis-2241	130	8	help	help	VERB
ajpdis-2241	130	9	them	they	PRON
ajpdis-2241	130	10	retain	retain	VERB
ajpdis-2241	130	11	talent	talent	NOUN
ajpdis-2241	130	12	,	,	PUNCT
ajpdis-2241	130	13	not	not	PART
ajpdis-2241	130	14	a	a	DET
ajpdis-2241	130	15	way	way	NOUN
ajpdis-2241	130	16	to	to	PART
ajpdis-2241	130	17	reduce	reduce	VERB
ajpdis-2241	130	18	human	human	ADJ
ajpdis-2241	130	19	intelligence	intelligence	NOUN
ajpdis-2241	130	20	.	.	PUNCT
ajpdis-2241	131	1	this	this	PRON
ajpdis-2241	131	2	is	be	AUX
ajpdis-2241	131	3	because	because	SCONJ
ajpdis-2241	131	4	it	it	PRON
ajpdis-2241	131	5	frees	free	VERB
ajpdis-2241	131	6	up	up	ADP
ajpdis-2241	131	7	bankers	banker	NOUN
ajpdis-2241	131	8	to	to	PART
ajpdis-2241	131	9	concentrate	concentrate	VERB
ajpdis-2241	131	10	on	on	ADP
ajpdis-2241	131	11	important	important	ADJ
ajpdis-2241	131	12	tasks	task	NOUN
ajpdis-2241	131	13	like	like	ADP
ajpdis-2241	131	14	customer	customer	NOUN
ajpdis-2241	131	15	relationship	relationship	NOUN
ajpdis-2241	131	16	management	management	NOUN
ajpdis-2241	131	17	and	and	CCONJ
ajpdis-2241	131	18	risk	risk	NOUN
ajpdis-2241	131	19	analysis	analysis	NOUN
ajpdis-2241	131	20	rather	rather	ADV
ajpdis-2241	131	21	than	than	ADP
ajpdis-2241	131	22	paperwork	paperwork	NOUN
ajpdis-2241	131	23	.	.	PUNCT
ajpdis-2241	132	1	automating	automate	VERB
ajpdis-2241	132	2	loan	loan	NOUN
ajpdis-2241	132	3	underwriting	underwriting	NOUN
ajpdis-2241	132	4	processes	process	NOUN
ajpdis-2241	132	5	may	may	AUX
ajpdis-2241	132	6	present	present	VERB
ajpdis-2241	132	7	some	some	DET
ajpdis-2241	132	8	difficulties	difficulty	NOUN
ajpdis-2241	132	9	,	,	PUNCT
ajpdis-2241	132	10	but	but	CCONJ
ajpdis-2241	132	11	it	it	PRON
ajpdis-2241	132	12	can	can	AUX
ajpdis-2241	132	13	set	set	VERB
ajpdis-2241	132	14	the	the	DET
ajpdis-2241	132	15	bank	bank	NOUN
ajpdis-2241	132	16	apart	apart	ADV
ajpdis-2241	132	17	from	from	ADP
ajpdis-2241	132	18	competitors	competitor	NOUN
ajpdis-2241	132	19	and	and	CCONJ
ajpdis-2241	132	20	make	make	VERB
ajpdis-2241	132	21	it	it	PRON
ajpdis-2241	132	22	a	a	DET
ajpdis-2241	132	23	leader	leader	NOUN
ajpdis-2241	132	24	in	in	ADP
ajpdis-2241	132	25	the	the	DET
ajpdis-2241	132	26	industry	industry	NOUN
ajpdis-2241	132	27	.	.	PUNCT
ajpdis-2241	133	1	references	reference	NOUN
ajpdis-2241	133	2	1	1	NUM
ajpdis-2241	133	3	.	.	PUNCT
ajpdis-2241	134	1	matthews	matthews	PROPN
ajpdis-2241	134	2	,	,	PUNCT
ajpdis-2241	134	3	c.	c.	PROPN
ajpdis-2241	134	4	d.	d.	PROPN
ajpdis-2241	134	5	,	,	PUNCT
ajpdis-2241	134	6	kaschek	kaschek	PROPN
ajpdis-2241	134	7	,	,	PUNCT
ajpdis-2241	134	8	r.	r.	PROPN
ajpdis-2241	134	9	h.	h.	PROPN
ajpdis-2241	134	10	,	,	PUNCT
ajpdis-2241	134	11	wallace	wallace	PROPN
ajpdis-2241	134	12	,	,	PUNCT
ajpdis-2241	134	13	c.	c.	PROPN
ajpdis-2241	134	14	m.	m.	NOUN
ajpdis-2241	134	15	,	,	PUNCT
ajpdis-2241	134	16	and	and	CCONJ
ajpdis-2241	134	17	schewe	schewe	PROPN
ajpdis-2241	134	18	,	,	PUNCT
ajpdis-2241	134	19	k.d	k.d	PROPN
ajpdis-2241	134	20	.	.	PROPN
ajpdis-2241	134	21	ist	ist	PROPN
ajpdis-2241	134	22	in	in	ADP
ajpdis-2241	134	23	lending	lending	NOUN
ajpdis-2241	134	24	:	:	PUNCT
ajpdis-2241	134	25	unlimited	unlimited	ADJ
ajpdis-2241	134	26	potential	potential	ADJ
ajpdis-2241	134	27	but	but	CCONJ
ajpdis-2241	134	28	limited	limited	ADJ
ajpdis-2241	134	29	practice	practice	NOUN
ajpdis-2241	134	30	.	.	PUNCT
ajpdis-2241	135	1	available	available	ADJ
ajpdis-2241	135	2	from	from	ADP
ajpdis-2241	135	3	:	:	PUNCT
ajpdis-2241	135	4	http://cbs.dk/staff/lars.heide/istos/program.htm	http://cbs.dk/staff/lars.heide/istos/program.htm	PROPN
ajpdis-2241	135	5	,	,	PUNCT
ajpdis-2241	135	6	2003	2003	NUM
ajpdis-2241	135	7	.	.	PUNCT
ajpdis-2241	136	1	paper	paper	NOUN
ajpdis-2241	136	2	presented	present	VERB
ajpdis-2241	136	3	at	at	ADP
ajpdis-2241	136	4	istos	istos	NOUN
ajpdis-2241	136	5	workshop	workshop	NOUN
ajpdis-2241	136	6	in	in	ADP
ajpdis-2241	136	7	barcelona	barcelona	PROPN
ajpdis-2241	136	8	,	,	PUNCT
ajpdis-2241	136	9	spain	spain	PROPN
ajpdis-2241	136	10	,	,	PUNCT
ajpdis-2241	136	11	28	28	NUM
ajpdis-2241	136	12	-	-	SYM
ajpdis-2241	136	13	30	30	NUM
ajpdis-2241	136	14	march	march	NOUN
ajpdis-2241	136	15	2003	2003	NUM
ajpdis-2241	136	16	.	.	PUNCT
ajpdis-2241	137	1	2	2	X
ajpdis-2241	137	2	.	.	X
ajpdis-2241	137	3	atzeni	atzeni	ADJ
ajpdis-2241	137	4	,	,	PUNCT
ajpdis-2241	137	5	p.	p.	NOUN
ajpdis-2241	137	6	,	,	PUNCT
ajpdis-2241	137	7	gupta	gupta	PROPN
ajpdis-2241	137	8	,	,	PUNCT
ajpdis-2241	137	9	a.	a.	NOUN
ajpdis-2241	137	10	,	,	PUNCT
ajpdis-2241	137	11	and	and	CCONJ
ajpdis-2241	137	12	sarawagi	sarawagi	NOUN
ajpdis-2241	137	13	,	,	PUNCT
ajpdis-2241	137	14	s.	s.	PROPN
ajpdis-2241	137	15	design	design	PROPN
ajpdis-2241	137	16	and	and	CCONJ
ajpdis-2241	137	17	maintenance	maintenance	NOUN
ajpdis-2241	137	18	of	of	ADP
ajpdis-2241	137	19	data	datum	NOUN
ajpdis-2241	137	20	-	-	PUNCT
ajpdis-2241	137	21	intensive	intensive	ADJ
ajpdis-2241	137	22	web	web	NOUN
ajpdis-2241	137	23	-	-	NOUN
ajpdis-2241	137	24	sites	site	NOUN
ajpdis-2241	137	25	.	.	PUNCT
ajpdis-2241	138	1	in	in	ADP
ajpdis-2241	138	2	proceedings	proceeding	NOUN
ajpdis-2241	138	3	of	of	ADP
ajpdis-2241	138	4	edbt	edbt	PROPN
ajpdis-2241	138	5	’	'	PUNCT
ajpdis-2241	138	6	98	98	NUM
ajpdis-2241	138	7	(	(	PUNCT
ajpdis-2241	138	8	berlin	berlin	PROPN
ajpdis-2241	138	9	,	,	PUNCT
ajpdis-2241	138	10	1998	1998	NUM
ajpdis-2241	138	11	)	)	PUNCT
ajpdis-2241	138	12	,	,	PUNCT
ajpdis-2241	138	13	lncs	lncs	VERB
ajpdis-2241	138	14	1377	1377	NUM
ajpdis-2241	138	15	,	,	PUNCT
ajpdis-2241	138	16	springer	springer	NOUN
ajpdis-2241	138	17	verlag	verlag	PROPN
ajpdis-2241	138	18	,	,	PUNCT
ajpdis-2241	138	19	lncs	lncs	VERB
ajpdis-2241	138	20	1377	1377	NUM
ajpdis-2241	138	21	,	,	PUNCT
ajpdis-2241	138	22	pp	pp	ADJ
ajpdis-2241	138	23	.	.	PUNCT
ajpdis-2241	138	24	436	436	NUM
ajpdis-2241	138	25	–	–	PUNCT
ajpdis-2241	138	26	450	450	NUM
ajpdis-2241	138	27	.	.	X
ajpdis-2241	139	1	3	3	X
ajpdis-2241	139	2	.	.	X
ajpdis-2241	139	3	schewe	schewe	PROPN
ajpdis-2241	139	4	,	,	PUNCT
ajpdis-2241	139	5	k.	k.	PROPN
ajpdis-2241	139	6	d.	d.	PROPN
ajpdis-2241	139	7	,	,	PUNCT
ajpdis-2241	139	8	and	and	CCONJ
ajpdis-2241	139	9	thalheim	thalheim	PROPN
ajpdis-2241	139	10	,	,	PUNCT
ajpdis-2241	139	11	b.	b.	PROPN
ajpdis-2241	139	12	modeling	modeling	NOUN
ajpdis-2241	139	13	interaction	interaction	NOUN
ajpdis-2241	139	14	and	and	CCONJ
ajpdis-2241	139	15	media	medium	NOUN
ajpdis-2241	139	16	objects	object	NOUN
ajpdis-2241	139	17	.	.	PUNCT
ajpdis-2241	140	1	in	in	ADP
ajpdis-2241	140	2	proceedings	proceeding	NOUN
ajpdis-2241	140	3	of	of	ADP
ajpdis-2241	140	4	526	526	NUM
ajpdis-2241	140	5	american	american	ADJ
ajpdis-2241	140	6	journal	journal	NOUN
ajpdis-2241	140	7	of	of	ADP
ajpdis-2241	140	8	public	public	ADJ
ajpdis-2241	140	9	diplomacy	diplomacy	NOUN
ajpdis-2241	140	10	and	and	CCONJ
ajpdis-2241	140	11	international	international	ADJ
ajpdis-2241	140	12	studies	study	NOUN
ajpdis-2241	140	13	www	www	PROPN
ajpdis-2241	140	14	.	.	PROPN
ajpdis-2241	140	15	grnjournal.us	grnjournal.us	NUM
ajpdis-2241	140	16	5th	5th	ADJ
ajpdis-2241	140	17	int	int	NOUN
ajpdis-2241	140	18	.	.	PUNCT
ajpdis-2241	140	19	conf	conf	NOUN
ajpdis-2241	140	20	.	.	PUNCT
ajpdis-2241	141	1	on	on	ADP
ajpdis-2241	141	2	applications	application	NOUN
ajpdis-2241	141	3	of	of	ADP
ajpdis-2241	141	4	natural	natural	ADJ
ajpdis-2241	141	5	language	language	NOUN
ajpdis-2241	141	6	to	to	ADP
ajpdis-2241	141	7	information	information	NOUN
ajpdis-2241	141	8	systems	system	NOUN
ajpdis-2241	141	9	(	(	PUNCT
ajpdis-2241	141	10	berlin	berlin	PROPN
ajpdis-2241	141	11	,	,	PUNCT
ajpdis-2241	141	12	2001	2001	NUM
ajpdis-2241	141	13	)	)	PUNCT
ajpdis-2241	141	14	,	,	PUNCT
ajpdis-2241	141	15	m.	m.	NOUN
ajpdis-2241	141	16	m´etais	m´etais	PROPN
ajpdis-2241	141	17	,	,	PUNCT
ajpdis-2241	141	18	ed	ed	NOUN
ajpdis-2241	141	19	.	.	PROPN
ajpdis-2241	141	20	,	,	PUNCT
ajpdis-2241	141	21	springer	springer	NOUN
ajpdis-2241	141	22	verlag	verlag	PROPN
ajpdis-2241	141	23	,	,	PUNCT
ajpdis-2241	141	24	lncs	lncs	PROPN
ajpdis-2241	141	25	1959	1959	NUM
ajpdis-2241	141	26	,	,	PUNCT
ajpdis-2241	141	27	pp	pp	ADV
ajpdis-2241	141	28	.	.	PUNCT
ajpdis-2241	142	1	313	313	NUM
ajpdis-2241	142	2	–	–	PUNCT
ajpdis-2241	142	3	324	324	NUM
ajpdis-2241	142	4	.	.	X
ajpdis-2241	143	1	4	4	NUM
ajpdis-2241	143	2	.	.	NUM
ajpdis-2241	143	3	wierichs	wierichs	PROPN
ajpdis-2241	143	4	,	,	PUNCT
ajpdis-2241	143	5	g.	g.	NOUN
ajpdis-2241	143	6	,	,	PUNCT
ajpdis-2241	143	7	and	and	CCONJ
ajpdis-2241	143	8	smets	smet	NOUN
ajpdis-2241	143	9	,	,	PUNCT
ajpdis-2241	143	10	s.	s.	PROPN
ajpdis-2241	143	11	gabler	gabler	PROPN
ajpdis-2241	143	12	kompakt	kompakt	PROPN
ajpdis-2241	143	13	-	-	PUNCT
ajpdis-2241	143	14	lexikon	lexikon	PROPN
ajpdis-2241	143	15	bank	bank	PROPN
ajpdis-2241	143	16	und	und	VERB
ajpdis-2241	143	17	b¨orse	b¨orse	ADV
ajpdis-2241	143	18	.	.	PUNCT
ajpdis-2241	144	1	gabler	gabler	PROPN
ajpdis-2241	144	2	verlag	verlag	PROPN
ajpdis-2241	144	3	,	,	PUNCT
ajpdis-2241	144	4	wiesbaden	wiesbaden	PROPN
ajpdis-2241	144	5	,	,	PUNCT
ajpdis-2241	144	6	2001	2001	NUM
ajpdis-2241	144	7	.	.	PUNCT