id	sid	tid	token	lemma	pos
spir-13985	1	1	selected	select	VERB
spir-13985	1	2	papers	paper	NOUN
spir-13985	1	3	of	of	ADP
spir-13985	1	4	#	#	SYM
spir-13985	1	5	aoir2024	aoir2024	PROPN
spir-13985	1	6	:	:	PUNCT
spir-13985	1	7	the	the	DET
spir-13985	1	8	25th	25th	ADJ
spir-13985	1	9	annual	annual	ADJ
spir-13985	1	10	conference	conference	NOUN
spir-13985	1	11	of	of	ADP
spir-13985	1	12	the	the	DET
spir-13985	1	13	association	association	NOUN
spir-13985	1	14	of	of	ADP
spir-13985	1	15	internet	internet	NOUN
spir-13985	1	16	researchers	researcher	NOUN
spir-13985	1	17	sheffield	sheffield	PROPN
spir-13985	1	18	,	,	PUNCT
spir-13985	1	19	uk	uk	PROPN
spir-13985	1	20	/	/	SYM
spir-13985	1	21	30	30	NUM
spir-13985	1	22	oct	oct	NOUN
spir-13985	1	23	2	2	NUM
spir-13985	1	24	nov	nov	PROPN
spir-13985	1	25	2024	2024	NUM
spir-13985	1	26	suggested	suggest	VERB
spir-13985	1	27	citation	citation	NOUN
spir-13985	1	28	(	(	PUNCT
spir-13985	1	29	apa	apa	PROPN
spir-13985	1	30	):	):	PUNCT
spir-13985	1	31	li	li	PROPN
spir-13985	1	32	,	,	PUNCT
spir-13985	1	33	y.	y.	PROPN
spir-13985	1	34	,	,	PUNCT
spir-13985	1	35	kerr	kerr	PROPN
spir-13985	1	36	,	,	PUNCT
spir-13985	1	37	a.	a.	PROPN
spir-13985	1	38	,	,	PUNCT
spir-13985	1	39	ryan	ryan	PROPN
spir-13985	1	40	,	,	PUNCT
spir-13985	1	41	l.	l.	PROPN
spir-13985	1	42	(	(	PUNCT
spir-13985	1	43	2024	2024	NUM
spir-13985	1	44	,	,	PUNCT
spir-13985	1	45	october	october	PROPN
spir-13985	1	46	)	)	PUNCT
spir-13985	1	47	.	.	PUNCT
spir-13985	2	1	trust	trust	NOUN
spir-13985	2	2	issues	issue	NOUN
spir-13985	2	3	and	and	CCONJ
spir-13985	2	4	responsibilities	responsibility	NOUN
spir-13985	2	5	:	:	PUNCT
spir-13985	2	6	social	social	ADJ
spir-13985	2	7	imaginaries	imaginary	NOUN
spir-13985	2	8	,	,	PUNCT
spir-13985	2	9	risk	risk	NOUN
spir-13985	2	10	,	,	PUNCT
spir-13985	2	11	and	and	CCONJ
spir-13985	2	12	user	user	NOUN
spir-13985	2	13	labour	labour	NOUN
spir-13985	2	14	in	in	ADP
spir-13985	2	15	digital	digital	ADJ
spir-13985	2	16	banking	banking	NOUN
spir-13985	2	17	apps	app	NOUN
spir-13985	2	18	.	.	PUNCT
spir-13985	3	1	paper	paper	NOUN
spir-13985	3	2	presented	present	VERB
spir-13985	3	3	at	at	ADP
spir-13985	3	4	aoir2024	aoir2024	PROPN
spir-13985	3	5	:	:	PUNCT
spir-13985	3	6	the	the	DET
spir-13985	3	7	25th	25th	ADJ
spir-13985	3	8	annual	annual	ADJ
spir-13985	3	9	conference	conference	NOUN
spir-13985	3	10	of	of	ADP
spir-13985	3	11	the	the	DET
spir-13985	3	12	association	association	NOUN
spir-13985	3	13	of	of	ADP
spir-13985	3	14	internet	internet	NOUN
spir-13985	3	15	researchers	researcher	NOUN
spir-13985	3	16	.	.	PUNCT
spir-13985	4	1	sheffield	sheffield	PROPN
spir-13985	4	2	,	,	PUNCT
spir-13985	4	3	uk	uk	PROPN
spir-13985	4	4	:	:	PUNCT
spir-13985	4	5	aoir	aoir	NOUN
spir-13985	4	6	.	.	PUNCT
spir-13985	4	7	retrieved	retrieve	VERB
spir-13985	4	8	from	from	ADP
spir-13985	4	9	http://spir.aoir.org	http://spir.aoir.org	PROPN
spir-13985	4	10	.	.	PUNCT
spir-13985	5	1	trust	trust	NOUN
spir-13985	5	2	issues	issue	NOUN
spir-13985	5	3	and	and	CCONJ
spir-13985	5	4	responsibilities	responsibility	NOUN
spir-13985	5	5	:	:	PUNCT
spir-13985	5	6	social	social	ADJ
spir-13985	5	7	imaginaries	imaginary	NOUN
spir-13985	5	8	,	,	PUNCT
spir-13985	5	9	risk	risk	NOUN
spir-13985	5	10	,	,	PUNCT
spir-13985	5	11	and	and	CCONJ
spir-13985	5	12	user	user	NOUN
spir-13985	5	13	labour	labour	NOUN
spir-13985	5	14	in	in	ADP
spir-13985	5	15	digital	digital	ADJ
spir-13985	5	16	banking	banking	NOUN
spir-13985	5	17	apps	app	NOUN
spir-13985	5	18	yuening	yuening	PROPN
spir-13985	5	19	li	li	PROPN
spir-13985	5	20	national	national	PROPN
spir-13985	5	21	university	university	PROPN
spir-13985	5	22	of	of	ADP
spir-13985	5	23	ireland	ireland	PROPN
spir-13985	5	24	,	,	PUNCT
spir-13985	5	25	maynooth	maynooth	PROPN
spir-13985	5	26	aphra	aphra	PROPN
spir-13985	5	27	kerr	kerr	PROPN
spir-13985	5	28	university	university	PROPN
spir-13985	5	29	college	college	PROPN
spir-13985	5	30	dublin	dublin	PROPN
spir-13985	5	31	linzi	linzi	PROPN
spir-13985	5	32	ryan	ryan	PROPN
spir-13985	5	33	national	national	PROPN
spir-13985	5	34	university	university	PROPN
spir-13985	5	35	of	of	ADP
spir-13985	5	36	ireland	ireland	PROPN
spir-13985	5	37	,	,	PUNCT
spir-13985	5	38	maynooth	maynooth	VERB
spir-13985	5	39	the	the	DET
spir-13985	5	40	launch	launch	NOUN
spir-13985	5	41	of	of	ADP
spir-13985	5	42	m	m	NOUN
spir-13985	5	43	-	-	NOUN
spir-13985	5	44	pesa	pesa	NOUN
spir-13985	5	45	in	in	ADP
spir-13985	5	46	2007	2007	NUM
spir-13985	5	47	served	serve	VERB
spir-13985	5	48	as	as	ADP
spir-13985	5	49	an	an	DET
spir-13985	5	50	early	early	ADJ
spir-13985	5	51	and	and	CCONJ
spir-13985	5	52	archetypical	archetypical	ADJ
spir-13985	5	53	example	example	NOUN
spir-13985	5	54	,	,	PUNCT
spir-13985	5	55	utilising	utilise	VERB
spir-13985	5	56	telecommunications	telecommunication	NOUN
spir-13985	5	57	networks	network	NOUN
spir-13985	5	58	for	for	ADP
spir-13985	5	59	payments	payment	NOUN
spir-13985	5	60	and	and	CCONJ
spir-13985	5	61	marking	mark	VERB
spir-13985	5	62	a	a	DET
spir-13985	5	63	shift	shift	NOUN
spir-13985	5	64	towards	towards	ADP
spir-13985	5	65	converging	converge	VERB
spir-13985	5	66	banking	banking	NOUN
spir-13985	5	67	with	with	ADP
spir-13985	5	68	media	medium	NOUN
spir-13985	5	69	functions	function	NOUN
spir-13985	5	70	,	,	PUNCT
spir-13985	5	71	and	and	CCONJ
spir-13985	5	72	fostering	foster	VERB
spir-13985	5	73	social	social	ADJ
spir-13985	5	74	interaction	interaction	NOUN
spir-13985	5	75	through	through	ADP
spir-13985	5	76	finance	finance	NOUN
spir-13985	5	77	(	(	PUNCT
spir-13985	5	78	maurer	maurer	NOUN
spir-13985	5	79	,	,	PUNCT
spir-13985	5	80	2015	2015	NUM
spir-13985	5	81	)	)	PUNCT
spir-13985	5	82	.	.	PUNCT
spir-13985	6	1	this	this	DET
spir-13985	6	2	trend	trend	NOUN
spir-13985	6	3	has	have	AUX
spir-13985	6	4	been	be	AUX
spir-13985	6	5	propelled	propel	VERB
spir-13985	6	6	by	by	ADP
spir-13985	6	7	the	the	DET
spir-13985	6	8	growth	growth	NOUN
spir-13985	6	9	of	of	ADP
spir-13985	6	10	finance	finance	NOUN
spir-13985	6	11	applications	application	NOUN
spir-13985	6	12	with	with	ADP
spir-13985	6	13	social	social	ADJ
spir-13985	6	14	functionality	functionality	NOUN
spir-13985	6	15	,	,	PUNCT
spir-13985	6	16	leading	lead	VERB
spir-13985	6	17	to	to	ADP
spir-13985	6	18	a	a	DET
spir-13985	6	19	blurring	blurring	NOUN
spir-13985	6	20	of	of	ADP
spir-13985	6	21	distinctions	distinction	NOUN
spir-13985	6	22	between	between	ADP
spir-13985	6	23	service	service	NOUN
spir-13985	6	24	providers	provider	NOUN
spir-13985	6	25	and	and	CCONJ
spir-13985	6	26	users	user	NOUN
spir-13985	6	27	,	,	PUNCT
spir-13985	6	28	and	and	CCONJ
spir-13985	6	29	resulting	result	VERB
spir-13985	6	30	in	in	ADP
spir-13985	6	31	the	the	DET
spir-13985	6	32	new	new	ADJ
spir-13985	6	33	financial	financial	ADJ
spir-13985	6	34	technology	technology	NOUN
spir-13985	6	35	(	(	PUNCT
spir-13985	6	36	fintech	fintech	NOUN
spir-13985	6	37	)	)	PUNCT
spir-13985	6	38	industry	industry	NOUN
spir-13985	6	39	(	(	PUNCT
spir-13985	6	40	swartz	swartz	PROPN
spir-13985	6	41	,	,	PUNCT
spir-13985	6	42	2020	2020	NUM
spir-13985	6	43	)	)	PUNCT
spir-13985	6	44	.	.	PUNCT
spir-13985	7	1	the	the	DET
spir-13985	7	2	development	development	NOUN
spir-13985	7	3	of	of	ADP
spir-13985	7	4	payment	payment	NOUN
spir-13985	7	5	platforms	platform	NOUN
spir-13985	7	6	(	(	PUNCT
spir-13985	7	7	e.g.	e.g.	ADV
spir-13985	7	8	,	,	PUNCT
spir-13985	7	9	meta	meta	ADJ
spir-13985	7	10	pay	pay	NOUN
spir-13985	7	11	)	)	PUNCT
spir-13985	7	12	by	by	ADP
spir-13985	7	13	social	social	ADJ
spir-13985	7	14	media	medium	NOUN
spir-13985	7	15	providers	provider	NOUN
spir-13985	7	16	which	which	PRON
spir-13985	7	17	emphasise	emphasise	VERB
spir-13985	7	18	the	the	DET
spir-13985	7	19	transactional	transactional	ADJ
spir-13985	7	20	and	and	CCONJ
spir-13985	7	21	exchange	exchange	NOUN
spir-13985	7	22	functions	function	NOUN
spir-13985	7	23	of	of	ADP
spir-13985	7	24	payment	payment	NOUN
spir-13985	7	25	,	,	PUNCT
spir-13985	7	26	along	along	ADP
spir-13985	7	27	with	with	ADP
spir-13985	7	28	neobanks	neobank	NOUN
spir-13985	7	29	like	like	ADP
spir-13985	7	30	revolut	revolut	NOUN
spir-13985	7	31	and	and	CCONJ
spir-13985	7	32	n26	n26	PROPN
spir-13985	7	33	,	,	PUNCT
spir-13985	7	34	represents	represent	VERB
spir-13985	7	35	a	a	DET
spir-13985	7	36	challenge	challenge	NOUN
spir-13985	7	37	from	from	ADP
spir-13985	7	38	decentralised	decentralise	VERB
spir-13985	7	39	digital	digital	ADJ
spir-13985	7	40	financial	financial	ADJ
spir-13985	7	41	paradigms	paradigm	NOUN
spir-13985	7	42	to	to	ADP
spir-13985	7	43	traditional	traditional	ADJ
spir-13985	7	44	payment	payment	NOUN
spir-13985	7	45	models	model	NOUN
spir-13985	7	46	(	(	PUNCT
spir-13985	7	47	mezei	mezei	NOUN
spir-13985	7	48	and	and	CCONJ
spir-13985	7	49	verteș	verteș	NOUN
spir-13985	7	50	-	-	PUNCT
spir-13985	7	51	olteanu	olteanu	NOUN
spir-13985	7	52	,	,	PUNCT
spir-13985	7	53	2020	2020	NUM
spir-13985	7	54	)	)	PUNCT
spir-13985	7	55	.	.	PUNCT
spir-13985	8	1	while	while	SCONJ
spir-13985	8	2	these	these	DET
spir-13985	8	3	novel	novel	ADJ
spir-13985	8	4	digital	digital	ADJ
spir-13985	8	5	services	service	NOUN
spir-13985	8	6	have	have	AUX
spir-13985	8	7	gained	gain	VERB
spir-13985	8	8	widespread	widespread	ADJ
spir-13985	8	9	acceptance	acceptance	NOUN
spir-13985	8	10	,	,	PUNCT
spir-13985	8	11	they	they	PRON
spir-13985	8	12	also	also	ADV
spir-13985	8	13	raise	raise	VERB
spir-13985	8	14	concerns	concern	NOUN
spir-13985	8	15	regarding	regard	VERB
spir-13985	8	16	social	social	ADJ
spir-13985	8	17	inclusivity	inclusivity	NOUN
spir-13985	8	18	,	,	PUNCT
spir-13985	8	19	accessibility	accessibility	NOUN
spir-13985	8	20	,	,	PUNCT
spir-13985	8	21	algorithmic	algorithmic	ADJ
spir-13985	8	22	discrimination	discrimination	NOUN
spir-13985	8	23	,	,	PUNCT
spir-13985	8	24	and	and	CCONJ
spir-13985	8	25	data	datum	NOUN
spir-13985	8	26	security	security	NOUN
spir-13985	8	27	.	.	PUNCT
spir-13985	9	1	these	these	DET
spir-13985	9	2	issues	issue	NOUN
spir-13985	9	3	necessitate	necessitate	ADJ
spir-13985	9	4	scholarly	scholarly	ADJ
spir-13985	9	5	attention	attention	NOUN
spir-13985	9	6	to	to	PART
spir-13985	9	7	examine	examine	VERB
spir-13985	9	8	the	the	DET
spir-13985	9	9	evolving	evolve	VERB
spir-13985	9	10	fintech	fintech	NOUN
spir-13985	9	11	industry	industry	NOUN
spir-13985	9	12	,	,	PUNCT
spir-13985	9	13	focusing	focus	VERB
spir-13985	9	14	on	on	ADP
spir-13985	9	15	the	the	DET
spir-13985	9	16	design	design	NOUN
spir-13985	9	17	and	and	CCONJ
spir-13985	9	18	service	service	NOUN
spir-13985	9	19	affordances	affordance	NOUN
spir-13985	9	20	of	of	ADP
spir-13985	9	21	banking	banking	NOUN
spir-13985	9	22	innovations	innovation	NOUN
spir-13985	9	23	and	and	CCONJ
spir-13985	9	24	their	their	PRON
spir-13985	9	25	social	social	ADJ
spir-13985	9	26	impacts	impact	NOUN
spir-13985	9	27	.	.	PUNCT
spir-13985	10	1	this	this	DET
spir-13985	10	2	paper	paper	NOUN
spir-13985	10	3	draws	draw	VERB
spir-13985	10	4	upon	upon	SCONJ
spir-13985	10	5	conceptual	conceptual	ADJ
spir-13985	10	6	frameworks	framework	NOUN
spir-13985	10	7	of	of	ADP
spir-13985	10	8	platformisation	platformisation	NOUN
spir-13985	10	9	(	(	PUNCT
spir-13985	10	10	van	van	PROPN
spir-13985	10	11	dijck	dijck	NOUN
spir-13985	10	12	,	,	PUNCT
spir-13985	10	13	poell	poell	NOUN
spir-13985	10	14	,	,	PUNCT
spir-13985	10	15	and	and	CCONJ
spir-13985	10	16	de	de	X
spir-13985	10	17	waal	waal	PROPN
spir-13985	10	18	,	,	PUNCT
spir-13985	10	19	2018	2018	NUM
spir-13985	10	20	)	)	PUNCT
spir-13985	10	21	,	,	PUNCT
spir-13985	10	22	media	medium	NOUN
spir-13985	10	23	convergence	convergence	NOUN
spir-13985	10	24	(	(	PUNCT
spir-13985	10	25	jensen	jensen	PROPN
spir-13985	10	26	,	,	PUNCT
spir-13985	10	27	2022	2022	NUM
spir-13985	10	28	)	)	PUNCT
spir-13985	10	29	,	,	PUNCT
spir-13985	10	30	trust	trust	NOUN
spir-13985	10	31	in	in	ADP
spir-13985	10	32	digital	digital	ADJ
spir-13985	10	33	banking	banking	NOUN
spir-13985	10	34	(	(	PUNCT
spir-13985	10	35	mezei	mezei	NOUN
spir-13985	10	36	and	and	CCONJ
spir-13985	10	37	verteș	verteș	NOUN
spir-13985	10	38	-	-	PUNCT
spir-13985	10	39	olteanu	olteanu	NOUN
spir-13985	10	40	,	,	PUNCT
spir-13985	10	41	2020	2020	NUM
spir-13985	10	42	;	;	PUNCT
spir-13985	10	43	van	van	PROPN
spir-13985	10	44	esterik	esterik	NOUN
spir-13985	10	45	-	-	PUNCT
spir-13985	10	46	plasmeijer	plasmeijer	NOUN
spir-13985	10	47	and	and	CCONJ
spir-13985	10	48	van	van	PROPN
spir-13985	10	49	raaij	raaij	NOUN
spir-13985	10	50	,	,	PUNCT
spir-13985	10	51	2017	2017	NUM
spir-13985	10	52	)	)	PUNCT
spir-13985	10	53	,	,	PUNCT
spir-13985	10	54	and	and	CCONJ
spir-13985	10	55	social	social	ADJ
spir-13985	10	56	imaginaries	imaginary	NOUN
spir-13985	10	57	(	(	PUNCT
spir-13985	10	58	james	james	PROPN
spir-13985	10	59	,	,	PUNCT
spir-13985	10	60	2019	2019	NUM
spir-13985	10	61	;	;	PUNCT
spir-13985	10	62	mansell	mansell	PROPN
spir-13985	10	63	,	,	PUNCT
spir-13985	10	64	2012	2012	NUM
spir-13985	10	65	;	;	PUNCT
spir-13985	10	66	gillespie	gillespie	NOUN
spir-13985	10	67	,	,	PUNCT
spir-13985	10	68	2018	2018	NUM
spir-13985	10	69	)	)	PUNCT
spir-13985	10	70	.	.	PUNCT
spir-13985	11	1	it	it	PRON
spir-13985	11	2	views	view	VERB
spir-13985	11	3	digital	digital	ADJ
spir-13985	11	4	banking	banking	NOUN
spir-13985	11	5	apps	app	NOUN
spir-13985	11	6	as	as	ADP
spir-13985	11	7	platforms	platform	NOUN
spir-13985	11	8	that	that	PRON
spir-13985	11	9	enable	enable	VERB
spir-13985	11	10	personalised	personalised	ADJ
spir-13985	11	11	interactions	interaction	NOUN
spir-13985	11	12	(	(	PUNCT
spir-13985	11	13	poell	poell	NOUN
spir-13985	11	14	,	,	PUNCT
spir-13985	11	15	nieborg	nieborg	ADJ
spir-13985	11	16	,	,	PUNCT
spir-13985	11	17	and	and	CCONJ
spir-13985	11	18	van	van	PROPN
spir-13985	11	19	dijck	dijck	NOUN
spir-13985	11	20	,	,	PUNCT
spir-13985	11	21	2019	2019	NUM
spir-13985	11	22	)	)	PUNCT
spir-13985	11	23	,	,	PUNCT
spir-13985	11	24	and	and	CCONJ
spir-13985	11	25	aim	aim	VERB
spir-13985	11	26	to	to	PART
spir-13985	11	27	investigate	investigate	VERB
spir-13985	11	28	the	the	DET
spir-13985	11	29	datafication	datafication	NOUN
spir-13985	11	30	(	(	PUNCT
spir-13985	11	31	van	van	PROPN
spir-13985	11	32	dijck	dijck	NOUN
spir-13985	11	33	,	,	PUNCT
spir-13985	11	34	2014	2014	NUM
spir-13985	11	35	;	;	PUNCT
spir-13985	11	36	sadowski	sadowski	PROPN
spir-13985	11	37	,	,	PUNCT
spir-13985	11	38	2019	2019	NUM
spir-13985	11	39	)	)	PUNCT
spir-13985	11	40	and	and	CCONJ
spir-13985	11	41	platformisation	platformisation	NOUN
spir-13985	11	42	of	of	ADP
spir-13985	11	43	banking	banking	NOUN
spir-13985	11	44	.	.	PUNCT
spir-13985	12	1	this	this	DET
spir-13985	12	2	approach	approach	NOUN
spir-13985	12	3	underscores	underscore	VERB
spir-13985	12	4	the	the	DET
spir-13985	12	5	transformation	transformation	NOUN
spir-13985	12	6	of	of	ADP
spir-13985	12	7	service	service	NOUN
spir-13985	12	8	dynamics	dynamic	NOUN
spir-13985	12	9	and	and	CCONJ
spir-13985	12	10	the	the	DET
spir-13985	12	11	challenges	challenge	NOUN
spir-13985	12	12	brought	bring	VERB
spir-13985	12	13	by	by	ADP
spir-13985	12	14	digital	digital	ADJ
spir-13985	12	15	banking	banking	NOUN
spir-13985	12	16	concerning	concern	VERB
spir-13985	12	17	public	public	ADJ
spir-13985	12	18	accessibility	accessibility	NOUN
spir-13985	12	19	and	and	CCONJ
spir-13985	12	20	social	social	ADJ
spir-13985	12	21	inclusion	inclusion	NOUN
spir-13985	12	22	(	(	PUNCT
spir-13985	12	23	swartz	swartz	PROPN
spir-13985	12	24	,	,	PUNCT
spir-13985	12	25	2020	2020	NUM
spir-13985	12	26	)	)	PUNCT
spir-13985	12	27	.	.	PUNCT
spir-13985	13	1	we	we	PRON
spir-13985	13	2	ask	ask	VERB
spir-13985	13	3	:	:	PUNCT
spir-13985	13	4	a	a	X
spir-13985	13	5	)	)	PUNCT
spir-13985	13	6	what	what	PRON
spir-13985	13	7	are	be	AUX
spir-13985	13	8	the	the	DET
spir-13985	13	9	dominant	dominant	ADJ
spir-13985	13	10	imaginaries	imaginary	NOUN
spir-13985	13	11	of	of	ADP
spir-13985	13	12	payment	payment	NOUN
spir-13985	13	13	reflected	reflect	VERB
spir-13985	13	14	by	by	ADP
spir-13985	13	15	contemporary	contemporary	ADJ
spir-13985	13	16	financial	financial	ADJ
spir-13985	13	17	services	service	NOUN
spir-13985	13	18	?	?	PUNCT
spir-13985	14	1	and	and	CCONJ
spir-13985	14	2	b	b	X
spir-13985	14	3	)	)	PUNCT
spir-13985	14	4	how	how	SCONJ
spir-13985	14	5	do	do	VERB
spir-13985	14	6	the	the	DET
spir-13985	14	7	design	design	NOUN
spir-13985	14	8	and	and	CCONJ
spir-13985	14	9	affordances	affordance	NOUN
spir-13985	14	10	of	of	ADP
spir-13985	14	11	digital	digital	ADJ
spir-13985	14	12	payment	payment	NOUN
spir-13985	14	13	services	service	NOUN
spir-13985	14	14	impact	impact	PROPN
spir-13985	14	15	trust	trust	NOUN
spir-13985	14	16	,	,	PUNCT
spir-13985	14	17	responsibility	responsibility	NOUN
spir-13985	14	18	,	,	PUNCT
spir-13985	14	19	and	and	CCONJ
spir-13985	14	20	user	user	NOUN
spir-13985	14	21	labour	labour	NOUN
spir-13985	14	22	?	?	PUNCT
spir-13985	15	1	this	this	DET
spir-13985	15	2	paper	paper	NOUN
spir-13985	15	3	employs	employ	VERB
spir-13985	15	4	a	a	DET
spir-13985	15	5	modified	modify	VERB
spir-13985	15	6	walkthrough	walkthrough	NOUN
spir-13985	15	7	method	method	NOUN
spir-13985	15	8	(	(	PUNCT
spir-13985	15	9	light	light	ADJ
spir-13985	15	10	,	,	PUNCT
spir-13985	15	11	burgess	burgess	NOUN
spir-13985	15	12	,	,	PUNCT
spir-13985	15	13	and	and	CCONJ
spir-13985	15	14	duguay	duguay	NOUN
spir-13985	15	15	,	,	PUNCT
spir-13985	15	16	2018	2018	NUM
spir-13985	15	17	)	)	PUNCT
spir-13985	15	18	including	include	VERB
spir-13985	15	19	detailed	detailed	ADJ
spir-13985	15	20	content	content	NOUN
spir-13985	15	21	analysis	analysis	NOUN
spir-13985	15	22	of	of	ADP
spir-13985	15	23	the	the	DET
spir-13985	15	24	terms	term	NOUN
spir-13985	15	25	and	and	CCONJ
spir-13985	15	26	conditions	condition	NOUN
spir-13985	15	27	(	(	PUNCT
spir-13985	15	28	t&cs	t&cs	NOUN
spir-13985	15	29	)	)	PUNCT
spir-13985	15	30	documents	document	NOUN
spir-13985	15	31	required	require	VERB
spir-13985	15	32	for	for	ADP
spir-13985	15	33	initial	initial	ADJ
spir-13985	15	34	access	access	NOUN
spir-13985	15	35	to	to	ADP
spir-13985	15	36	seven	seven	NUM
spir-13985	15	37	digital	digital	ADJ
spir-13985	15	38	banking	banking	NOUN
spir-13985	15	39	apps	app	NOUN
spir-13985	15	40	in	in	ADP
spir-13985	15	41	ireland	ireland	PROPN
spir-13985	15	42	.	.	PUNCT
spir-13985	16	1	the	the	DET
spir-13985	16	2	sampled	sample	VERB
spir-13985	16	3	banking	banking	NOUN
spir-13985	16	4	apps	app	NOUN
spir-13985	16	5	include	include	VERB
spir-13985	16	6	bank	bank	PROPN
spir-13985	16	7	of	of	ADP
spir-13985	16	8	ireland	ireland	PROPN
spir-13985	16	9	(	(	PUNCT
spir-13985	16	10	boi	boi	PROPN
spir-13985	16	11	)	)	PUNCT
spir-13985	16	12	,	,	PUNCT
spir-13985	16	13	n26	n26	PROPN
spir-13985	16	14	,	,	PUNCT
spir-13985	16	15	an	an	DET
spir-13985	16	16	post	post	NOUN
spir-13985	16	17	money	money	NOUN
spir-13985	16	18	,	,	PUNCT
spir-13985	16	19	revolut	revolut	X
spir-13985	16	20	ie	ie	ADV
spir-13985	16	21	,	,	PUNCT
spir-13985	16	22	chase	chase	PROPN
spir-13985	16	23	uk	uk	PROPN
spir-13985	16	24	,	,	PUNCT
spir-13985	16	25	starling	starle	VERB
spir-13985	16	26	bank	bank	NOUN
spir-13985	16	27	uk	uk	PROPN
spir-13985	16	28	,	,	PUNCT
spir-13985	16	29	and	and	CCONJ
spir-13985	16	30	klarna	klarna	NOUN
spir-13985	16	31	.	.	PUNCT
spir-13985	17	1	given	give	VERB
spir-13985	17	2	the	the	DET
spir-13985	17	3	heightened	heightened	ADJ
spir-13985	17	4	security	security	NOUN
spir-13985	17	5	and	and	CCONJ
spir-13985	17	6	legal	legal	ADJ
spir-13985	17	7	vetting	vetting	NOUN
spir-13985	17	8	requirements	requirement	NOUN
spir-13985	17	9	required	require	VERB
spir-13985	17	10	by	by	ADP
spir-13985	17	11	digital	digital	ADJ
spir-13985	17	12	banking	banking	NOUN
spir-13985	17	13	apps	app	NOUN
spir-13985	17	14	,	,	PUNCT
spir-13985	17	15	the	the	DET
spir-13985	17	16	modified	modify	VERB
spir-13985	17	17	walkthrough	walkthrough	NOUN
spir-13985	17	18	method	method	NOUN
spir-13985	17	19	encompasses	encompass	VERB
spir-13985	17	20	six	six	NUM
spir-13985	17	21	stages	stage	NOUN
spir-13985	17	22	:	:	PUNCT
spir-13985	17	23	a	a	X
spir-13985	17	24	)	)	PUNCT
spir-13985	17	25	anticipated	anticipated	ADJ
spir-13985	17	26	use	use	NOUN
spir-13985	17	27	;	;	PUNCT
spir-13985	17	28	b	b	X
spir-13985	17	29	)	)	PUNCT
spir-13985	17	30	entry	entry	NOUN
spir-13985	17	31	page	page	NOUN
spir-13985	17	32	;	;	PUNCT
spir-13985	17	33	c	c	X
spir-13985	17	34	)	)	PUNCT
spir-13985	17	35	t&cs	t&cs	NOUN
spir-13985	17	36	;	;	PUNCT
spir-13985	17	37	d	d	X
spir-13985	17	38	)	)	PUNCT
spir-13985	17	39	authentication	authentication	NOUN
spir-13985	17	40	and	and	CCONJ
spir-13985	17	41	verification	verification	NOUN
spir-13985	17	42	;	;	PUNCT
spir-13985	17	43	e	e	X
spir-13985	17	44	)	)	PUNCT
spir-13985	17	45	customer	customer	NOUN
spir-13985	17	46	support	support	NOUN
spir-13985	17	47	(	(	PUNCT
spir-13985	17	48	replacing	replace	VERB
spir-13985	17	49	the	the	DET
spir-13985	17	50	original	original	ADJ
spir-13985	17	51	‘	'	PUNCT
spir-13985	17	52	everyday	everyday	ADJ
spir-13985	17	53	use	use	NOUN
spir-13985	17	54	step	step	NOUN
spir-13985	17	55	’	'	PUNCT
spir-13985	17	56	)	)	PUNCT
spir-13985	17	57	;	;	PUNCT
spir-13985	17	58	and	and	CCONJ
spir-13985	17	59	f	f	X
spir-13985	17	60	)	)	PUNCT
spir-13985	17	61	suspension	suspension	NOUN
spir-13985	17	62	and	and	CCONJ
spir-13985	17	63	withdrawal	withdrawal	NOUN
spir-13985	17	64	of	of	ADP
spir-13985	17	65	service	service	NOUN
spir-13985	17	66	.	.	PUNCT
spir-13985	18	1	the	the	DET
spir-13985	18	2	modified	modify	VERB
spir-13985	18	3	walkthroughs	walkthrough	NOUN
spir-13985	18	4	highlight	highlight	VERB
spir-13985	18	5	a	a	DET
spir-13985	18	6	significant	significant	ADJ
spir-13985	18	7	convergence	convergence	NOUN
spir-13985	18	8	between	between	ADP
spir-13985	18	9	the	the	DET
spir-13985	18	10	finance	finance	NOUN
spir-13985	18	11	and	and	CCONJ
spir-13985	18	12	media	medium	NOUN
spir-13985	18	13	industries	industry	NOUN
spir-13985	18	14	.	.	PUNCT
spir-13985	19	1	our	our	PRON
spir-13985	19	2	analysis	analysis	NOUN
spir-13985	19	3	identified	identify	VERB
spir-13985	19	4	three	three	NUM
spir-13985	19	5	dominant	dominant	ADJ
spir-13985	19	6	social	social	ADJ
spir-13985	19	7	imaginaries	imaginary	NOUN
spir-13985	19	8	of	of	ADP
spir-13985	19	9	payment	payment	NOUN
spir-13985	19	10	leading	lead	VERB
spir-13985	19	11	to	to	ADP
spir-13985	19	12	different	different	ADJ
spir-13985	19	13	designs	design	NOUN
spir-13985	19	14	for	for	ADP
spir-13985	19	15	digital	digital	ADJ
spir-13985	19	16	banking	banking	NOUN
spir-13985	19	17	apps	app	NOUN
spir-13985	19	18	:	:	PUNCT
spir-13985	19	19	a	a	X
spir-13985	19	20	)	)	PUNCT
spir-13985	19	21	the	the	DET
spir-13985	19	22	institutional	institutional	ADJ
spir-13985	19	23	imaginary	imaginary	ADJ
spir-13985	19	24	,	,	PUNCT
spir-13985	19	25	b	b	NOUN
spir-13985	19	26	)	)	PUNCT
spir-13985	19	27	the	the	DET
spir-13985	19	28	transactional	transactional	ADJ
spir-13985	19	29	imaginary	imaginary	ADJ
spir-13985	19	30	,	,	PUNCT
spir-13985	19	31	and	and	CCONJ
spir-13985	19	32	c	c	X
spir-13985	19	33	)	)	PUNCT
spir-13985	19	34	the	the	DET
spir-13985	19	35	digital	digital	ADJ
spir-13985	19	36	imaginary	imaginary	ADJ
spir-13985	19	37	.	.	PUNCT
spir-13985	20	1	the	the	DET
spir-13985	20	2	institutional	institutional	ADJ
spir-13985	20	3	imaginary	imaginary	ADJ
spir-13985	20	4	views	view	NOUN
spir-13985	20	5	payment	payment	NOUN
spir-13985	20	6	as	as	ADP
spir-13985	20	7	a	a	DET
spir-13985	20	8	state	state	NOUN
spir-13985	20	9	-	-	PUNCT
spir-13985	20	10	sanctioned	sanction	VERB
spir-13985	20	11	and	and	CCONJ
spir-13985	20	12	surveilled	surveille	VERB
spir-13985	20	13	economic	economic	ADJ
spir-13985	20	14	activity	activity	NOUN
spir-13985	20	15	.	.	PUNCT
spir-13985	21	1	two	two	NUM
spir-13985	21	2	variations	variation	NOUN
spir-13985	21	3	of	of	ADP
spir-13985	21	4	this	this	DET
spir-13985	21	5	approach	approach	NOUN
spir-13985	21	6	were	be	AUX
spir-13985	21	7	identified	identify	VERB
spir-13985	21	8	:	:	PUNCT
spir-13985	21	9	pillar	pillar	NOUN
spir-13985	21	10	banks	bank	NOUN
spir-13985	21	11	(	(	PUNCT
spir-13985	21	12	e.g.	e.g.	ADV
spir-13985	21	13	,	,	PUNCT
spir-13985	21	14	boi	boi	NOUN
spir-13985	21	15	)	)	PUNCT
spir-13985	21	16	and	and	CCONJ
spir-13985	21	17	community	community	NOUN
spir-13985	21	18	-	-	PUNCT
spir-13985	21	19	centric	centric	ADJ
spir-13985	21	20	financial	financial	ADJ
spir-13985	21	21	systems	system	NOUN
spir-13985	21	22	(	(	PUNCT
spir-13985	21	23	e.g.	e.g.	ADV
spir-13985	21	24	,	,	PUNCT
spir-13985	21	25	an	an	DET
spir-13985	21	26	post	post	NOUN
spir-13985	21	27	money	money	NOUN
spir-13985	21	28	and	and	CCONJ
spir-13985	21	29	credit	credit	NOUN
spir-13985	21	30	unions	union	NOUN
spir-13985	21	31	)	)	PUNCT
spir-13985	21	32	.	.	PUNCT
spir-13985	22	1	this	this	DET
spir-13985	22	2	imaginary	imaginary	ADJ
spir-13985	22	3	reflects	reflect	VERB
spir-13985	22	4	the	the	DET
spir-13985	22	5	state	state	NOUN
spir-13985	22	6	theory	theory	NOUN
spir-13985	22	7	of	of	ADP
spir-13985	22	8	money	money	NOUN
spir-13985	22	9	(	(	PUNCT
spir-13985	22	10	i.e.	i.e.	X
spir-13985	22	11	,	,	PUNCT
spir-13985	22	12	chartalism	chartalism	NOUN
spir-13985	22	13	)	)	PUNCT
spir-13985	22	14	(	(	PUNCT
spir-13985	22	15	knapp	knapp	PROPN
spir-13985	22	16	,	,	PUNCT
spir-13985	22	17	lucas	lucas	PROPN
spir-13985	22	18	and	and	CCONJ
spir-13985	22	19	bonar	bonar	PROPN
spir-13985	22	20	,	,	PUNCT
spir-13985	22	21	1973	1973	NUM
spir-13985	22	22	)	)	PUNCT
spir-13985	22	23	.	.	PUNCT
spir-13985	23	1	the	the	DET
spir-13985	23	2	transactional	transactional	ADJ
spir-13985	23	3	imaginary	imaginary	ADJ
spir-13985	23	4	focuses	focus	VERB
spir-13985	23	5	on	on	ADP
spir-13985	23	6	the	the	DET
spir-13985	23	7	exchange	exchange	NOUN
spir-13985	23	8	function	function	NOUN
spir-13985	23	9	of	of	ADP
spir-13985	23	10	payments	payment	NOUN
spir-13985	23	11	(	(	PUNCT
spir-13985	23	12	simmel	simmel	NOUN
spir-13985	23	13	,	,	PUNCT
spir-13985	23	14	2011	2011	NUM
spir-13985	23	15	;	;	PUNCT
spir-13985	23	16	dodd	dodd	NOUN
spir-13985	23	17	,	,	PUNCT
spir-13985	23	18	2014	2014	NUM
spir-13985	23	19	;	;	PUNCT
spir-13985	23	20	zelizer	zelizer	NOUN
spir-13985	23	21	,	,	PUNCT
spir-13985	23	22	2017	2017	NUM
spir-13985	23	23	;	;	PUNCT
spir-13985	23	24	swartz	swartz	PROPN
spir-13985	23	25	,	,	PUNCT
spir-13985	23	26	2020	2020	NUM
spir-13985	23	27	)	)	PUNCT
spir-13985	23	28	leading	lead	VERB
spir-13985	23	29	to	to	ADP
spir-13985	23	30	a	a	DET
spir-13985	23	31	convergence	convergence	NOUN
spir-13985	23	32	of	of	ADP
spir-13985	23	33	media	medium	NOUN
spir-13985	23	34	and	and	CCONJ
spir-13985	23	35	finance	finance	NOUN
spir-13985	23	36	.	.	PUNCT
spir-13985	24	1	again	again	ADV
spir-13985	24	2	,	,	PUNCT
spir-13985	24	3	there	there	PRON
spir-13985	24	4	are	be	VERB
spir-13985	24	5	two	two	NUM
spir-13985	24	6	design	design	NOUN
spir-13985	24	7	variations	variation	NOUN
spir-13985	24	8	of	of	ADP
spir-13985	24	9	this	this	DET
spir-13985	24	10	imaginary	imaginary	ADJ
spir-13985	24	11	:	:	PUNCT
spir-13985	24	12	economic	economic	ADJ
spir-13985	24	13	trading	trading	NOUN
spir-13985	24	14	networks	network	NOUN
spir-13985	24	15	like	like	ADP
spir-13985	24	16	neobanks	neobank	NOUN
spir-13985	24	17	(	(	PUNCT
spir-13985	24	18	e.g.	e.g.	ADV
spir-13985	24	19	,	,	PUNCT
spir-13985	24	20	revolut	revolut	X
spir-13985	24	21	ie	ie	ADV
spir-13985	24	22	and	and	CCONJ
spir-13985	24	23	n26	n26	PROPN
spir-13985	24	24	)	)	PUNCT
spir-13985	24	25	and	and	CCONJ
spir-13985	24	26	interpersonal	interpersonal	ADJ
spir-13985	24	27	communication	communication	NOUN
spir-13985	24	28	-	-	PUNCT
spir-13985	24	29	enabled	enable	VERB
spir-13985	24	30	payment	payment	NOUN
spir-13985	24	31	solutions	solution	NOUN
spir-13985	24	32	such	such	ADJ
spir-13985	24	33	as	as	ADP
spir-13985	24	34	wechat	wechat	PROPN
spir-13985	24	35	pay	pay	VERB
spir-13985	24	36	and	and	CCONJ
spir-13985	24	37	m	m	PROPN
spir-13985	24	38	-	-	PUNCT
spir-13985	24	39	pasa	pasa	NOUN
spir-13985	24	40	that	that	PRON
spir-13985	24	41	are	be	AUX
spir-13985	24	42	more	more	ADV
spir-13985	24	43	common	common	ADJ
spir-13985	24	44	in	in	ADP
spir-13985	24	45	the	the	DET
spir-13985	24	46	global	global	ADJ
spir-13985	24	47	south	south	PROPN
spir-13985	24	48	(	(	PUNCT
spir-13985	24	49	chuhan	chuhan	ADJ
spir-13985	24	50	-	-	PUNCT
spir-13985	24	51	pole	pole	NOUN
spir-13985	24	52	and	and	CCONJ
spir-13985	24	53	angwafo	angwafo	ADJ
spir-13985	24	54	,	,	PUNCT
spir-13985	24	55	2011	2011	NUM
spir-13985	24	56	)	)	PUNCT
spir-13985	24	57	.	.	PUNCT
spir-13985	25	1	the	the	DET
spir-13985	25	2	digital	digital	ADJ
spir-13985	25	3	imaginary	imaginary	ADJ
spir-13985	25	4	emphasises	emphasise	VERB
spir-13985	25	5	technology	technology	NOUN
spir-13985	25	6	and	and	CCONJ
spir-13985	25	7	promotes	promote	VERB
spir-13985	25	8	the	the	DET
spir-13985	25	9	design	design	NOUN
spir-13985	25	10	of	of	ADP
spir-13985	25	11	dematerialised	dematerialise	VERB
spir-13985	25	12	and	and	CCONJ
spir-13985	25	13	decentralised	decentralise	VERB
spir-13985	25	14	fintech	fintech	NOUN
spir-13985	25	15	innovations	innovation	NOUN
spir-13985	25	16	using	use	VERB
spir-13985	25	17	biometric	biometric	ADJ
spir-13985	25	18	and	and	CCONJ
spir-13985	25	19	blockchain	blockchain	PROPN
spir-13985	25	20	technology	technology	PROPN
spir-13985	25	21	(	(	PUNCT
spir-13985	25	22	westermeier	westermeier	NOUN
spir-13985	25	23	,	,	PUNCT
spir-13985	25	24	2020	2020	NUM
spir-13985	25	25	;	;	PUNCT
spir-13985	25	26	lemieux	lemieux	PROPN
spir-13985	25	27	and	and	CCONJ
spir-13985	25	28	dodd	dodd	PROPN
spir-13985	25	29	,	,	PUNCT
spir-13985	25	30	2023	2023	NUM
spir-13985	25	31	)	)	PUNCT
spir-13985	25	32	.	.	PUNCT
spir-13985	26	1	adopting	adopt	VERB
spir-13985	26	2	the	the	DET
spir-13985	26	3	concept	concept	NOUN
spir-13985	26	4	of	of	ADP
spir-13985	26	5	social	social	ADJ
spir-13985	26	6	wholes	whole	NOUN
spir-13985	26	7	(	(	PUNCT
spir-13985	26	8	castoriadis,1998	castoriadis,1998	PROPN
spir-13985	26	9	)	)	PUNCT
spir-13985	26	10	,	,	PUNCT
spir-13985	26	11	we	we	PRON
spir-13985	26	12	view	view	VERB
spir-13985	26	13	these	these	DET
spir-13985	26	14	imaginaries	imaginary	NOUN
spir-13985	26	15	as	as	ADP
spir-13985	26	16	arising	arise	VERB
spir-13985	26	17	from	from	ADP
spir-13985	26	18	diverse	diverse	ADJ
spir-13985	26	19	,	,	PUNCT
spir-13985	26	20	intersecting	intersect	VERB
spir-13985	26	21	social	social	ADJ
spir-13985	26	22	groups	group	NOUN
spir-13985	26	23	and	and	CCONJ
spir-13985	26	24	communities	community	NOUN
spir-13985	26	25	that	that	PRON
spir-13985	26	26	contribute	contribute	VERB
spir-13985	26	27	to	to	ADP
spir-13985	26	28	collective	collective	ADJ
spir-13985	26	29	thought	think	VERB
spir-13985	26	30	processes	process	NOUN
spir-13985	26	31	.	.	PUNCT
spir-13985	27	1	these	these	DET
spir-13985	27	2	groups	group	NOUN
spir-13985	27	3	shape	shape	VERB
spir-13985	27	4	the	the	DET
spir-13985	27	5	broader	broad	ADJ
spir-13985	27	6	understanding	understanding	NOUN
spir-13985	27	7	and	and	CCONJ
spir-13985	27	8	design	design	NOUN
spir-13985	27	9	of	of	ADP
spir-13985	27	10	money	money	NOUN
spir-13985	27	11	and	and	CCONJ
spir-13985	27	12	digital	digital	ADJ
spir-13985	27	13	banking	banking	NOUN
spir-13985	27	14	services	service	NOUN
spir-13985	27	15	,	,	PUNCT
spir-13985	27	16	influenced	influence	VERB
spir-13985	27	17	by	by	ADP
spir-13985	27	18	cultural	cultural	ADJ
spir-13985	27	19	norms	norm	NOUN
spir-13985	27	20	,	,	PUNCT
spir-13985	27	21	historical	historical	ADJ
spir-13985	27	22	contexts	contexts	NOUN
spir-13985	27	23	,	,	PUNCT
spir-13985	27	24	technological	technological	ADJ
spir-13985	27	25	advancements	advancement	NOUN
spir-13985	27	26	,	,	PUNCT
spir-13985	27	27	and	and	CCONJ
spir-13985	27	28	economic	economic	ADJ
spir-13985	27	29	practices	practice	NOUN
spir-13985	27	30	.	.	PUNCT
spir-13985	28	1	the	the	DET
spir-13985	28	2	content	content	NOUN
spir-13985	28	3	analysis	analysis	NOUN
spir-13985	28	4	of	of	ADP
spir-13985	28	5	t&cs	t&cs	NOUN
spir-13985	28	6	documents	document	NOUN
spir-13985	28	7	identified	identify	VERB
spir-13985	28	8	accessibility	accessibility	NOUN
spir-13985	28	9	and	and	CCONJ
spir-13985	28	10	readability	readability	NOUN
spir-13985	28	11	barriers	barrier	NOUN
spir-13985	28	12	,	,	PUNCT
spir-13985	28	13	and	and	CCONJ
spir-13985	28	14	ambiguities	ambiguity	NOUN
spir-13985	28	15	and	and	CCONJ
spir-13985	28	16	anomalies	anomaly	NOUN
spir-13985	28	17	of	of	ADP
spir-13985	28	18	user	user	NOUN
spir-13985	28	19	consent	consent	NOUN
spir-13985	28	20	and	and	CCONJ
spir-13985	28	21	user	user	NOUN
spir-13985	28	22	labour	labour	NOUN
spir-13985	28	23	.	.	PUNCT
spir-13985	29	1	t&cs	t&cs	NOUN
spir-13985	29	2	are	be	AUX
spir-13985	29	3	often	often	ADV
spir-13985	29	4	lengthy	lengthy	ADJ
spir-13985	29	5	and	and	CCONJ
spir-13985	29	6	written	write	VERB
spir-13985	29	7	in	in	ADP
spir-13985	29	8	complex	complex	ADJ
spir-13985	29	9	legal	legal	ADJ
spir-13985	29	10	and	and	CCONJ
spir-13985	29	11	technical	technical	ADJ
spir-13985	29	12	language	language	NOUN
spir-13985	29	13	and	and	CCONJ
spir-13985	29	14	only	only	ADV
spir-13985	29	15	provided	provide	VERB
spir-13985	29	16	in	in	ADP
spir-13985	29	17	english	english	PROPN
spir-13985	29	18	for	for	ADP
spir-13985	29	19	the	the	DET
spir-13985	29	20	irish	irish	ADJ
spir-13985	29	21	market	market	NOUN
spir-13985	29	22	.	.	PUNCT
spir-13985	30	1	at	at	ADP
spir-13985	30	2	the	the	DET
spir-13985	30	3	same	same	ADJ
spir-13985	30	4	time	time	NOUN
spir-13985	30	5	,	,	PUNCT
spir-13985	30	6	the	the	DET
spir-13985	30	7	apps	app	NOUN
spir-13985	30	8	may	may	AUX
spir-13985	30	9	be	be	AUX
spir-13985	30	10	accessed	access	VERB
spir-13985	30	11	via	via	ADP
spir-13985	30	12	different	different	ADJ
spir-13985	30	13	language	language	NOUN
spir-13985	30	14	settings	setting	NOUN
spir-13985	30	15	based	base	VERB
spir-13985	30	16	on	on	ADP
spir-13985	30	17	the	the	DET
spir-13985	30	18	mobile	mobile	ADJ
spir-13985	30	19	language	language	NOUN
spir-13985	30	20	settings	setting	NOUN
spir-13985	30	21	of	of	ADP
spir-13985	30	22	users	user	NOUN
spir-13985	30	23	—	—	PUNCT
spir-13985	30	24	this	this	PRON
spir-13985	30	25	creates	create	VERB
spir-13985	30	26	barriers	barrier	NOUN
spir-13985	30	27	for	for	ADP
spir-13985	30	28	users	user	NOUN
spir-13985	30	29	with	with	ADP
spir-13985	30	30	varying	vary	VERB
spir-13985	30	31	levels	level	NOUN
spir-13985	30	32	of	of	ADP
spir-13985	30	33	literacy	literacy	NOUN
spir-13985	30	34	for	for	ADP
spir-13985	30	35	the	the	DET
spir-13985	30	36	english	english	ADJ
spir-13985	30	37	language	language	NOUN
spir-13985	30	38	and	and	CCONJ
spir-13985	30	39	financial	financial	ADJ
spir-13985	30	40	knowledge	knowledge	NOUN
spir-13985	30	41	.	.	PUNCT
spir-13985	31	1	additionally	additionally	ADV
spir-13985	31	2	,	,	PUNCT
spir-13985	31	3	the	the	DET
spir-13985	31	4	visual	visual	ADJ
spir-13985	31	5	design	design	NOUN
spir-13985	31	6	of	of	ADP
spir-13985	31	7	t&cs	t&cs	NOUN
spir-13985	31	8	documents	document	NOUN
spir-13985	31	9	is	be	AUX
spir-13985	31	10	not	not	PART
spir-13985	31	11	mobile	mobile	ADJ
spir-13985	31	12	-	-	PUNCT
spir-13985	31	13	friendly	friendly	ADJ
spir-13985	31	14	and	and	CCONJ
spir-13985	31	15	often	often	ADV
spir-13985	31	16	links	link	VERB
spir-13985	31	17	to	to	ADP
spir-13985	31	18	external	external	ADJ
spir-13985	31	19	web	web	NOUN
spir-13985	31	20	pages	page	NOUN
spir-13985	31	21	.	.	PUNCT
spir-13985	32	1	this	this	PRON
spir-13985	32	2	may	may	AUX
spir-13985	32	3	discourage	discourage	VERB
spir-13985	32	4	users	user	NOUN
spir-13985	32	5	from	from	ADP
spir-13985	32	6	thorough	thorough	ADJ
spir-13985	32	7	reading	reading	NOUN
spir-13985	32	8	and	and	CCONJ
spir-13985	32	9	hinder	hinder	VERB
spir-13985	32	10	fully	fully	ADV
spir-13985	32	11	informed	inform	VERB
spir-13985	32	12	consent	consent	NOUN
spir-13985	32	13	.	.	PUNCT
spir-13985	33	1	the	the	DET
spir-13985	33	2	t&cs	t&cs	NOUN
spir-13985	33	3	analysis	analysis	NOUN
spir-13985	33	4	also	also	ADV
spir-13985	33	5	uncovered	uncover	VERB
spir-13985	33	6	the	the	DET
spir-13985	33	7	problematic	problematic	ADJ
spir-13985	33	8	use	use	NOUN
spir-13985	33	9	of	of	ADP
spir-13985	33	10	implied	imply	VERB
spir-13985	33	11	consent	consent	NOUN
spir-13985	33	12	,	,	PUNCT
spir-13985	33	13	in	in	ADP
spir-13985	33	14	contrast	contrast	NOUN
spir-13985	33	15	to	to	ADP
spir-13985	33	16	explicit	explicit	ADJ
spir-13985	33	17	consent	consent	NOUN
spir-13985	33	18	,	,	PUNCT
spir-13985	33	19	hidden	hide	VERB
spir-13985	33	20	options	option	NOUN
spir-13985	33	21	to	to	PART
spir-13985	33	22	withdraw	withdraw	VERB
spir-13985	33	23	consent	consent	NOUN
spir-13985	33	24	,	,	PUNCT
spir-13985	33	25	and	and	CCONJ
spir-13985	33	26	a	a	DET
spir-13985	33	27	lack	lack	NOUN
spir-13985	33	28	of	of	ADP
spir-13985	33	29	transparency	transparency	NOUN
spir-13985	33	30	regarding	regard	VERB
spir-13985	33	31	the	the	DET
spir-13985	33	32	collection	collection	NOUN
spir-13985	33	33	and	and	CCONJ
spir-13985	33	34	analysis	analysis	NOUN
spir-13985	33	35	of	of	ADP
spir-13985	33	36	personal	personal	ADJ
spir-13985	33	37	data	datum	NOUN
spir-13985	33	38	.	.	PUNCT
spir-13985	34	1	the	the	DET
spir-13985	34	2	investigation	investigation	NOUN
spir-13985	34	3	of	of	ADP
spir-13985	34	4	sample	sample	NOUN
spir-13985	34	5	banking	banking	NOUN
spir-13985	34	6	apps	app	NOUN
spir-13985	34	7	operating	operating	NOUN
spir-13985	34	8	environments	environment	NOUN
spir-13985	34	9	reveals	reveal	VERB
spir-13985	34	10	broader	broad	ADJ
spir-13985	34	11	concerns	concern	NOUN
spir-13985	34	12	about	about	ADP
spir-13985	34	13	social	social	ADJ
spir-13985	34	14	inclusion	inclusion	NOUN
spir-13985	34	15	and	and	CCONJ
spir-13985	34	16	user	user	NOUN
spir-13985	34	17	agency	agency	NOUN
spir-13985	34	18	.	.	PUNCT
spir-13985	35	1	by	by	ADP
spir-13985	35	2	enabling	enable	VERB
spir-13985	35	3	users	user	NOUN
spir-13985	35	4	to	to	PART
spir-13985	35	5	open	open	VERB
spir-13985	35	6	banking	banking	NOUN
spir-13985	35	7	accounts	account	NOUN
spir-13985	35	8	solely	solely	ADV
spir-13985	35	9	through	through	ADP
spir-13985	35	10	the	the	DET
spir-13985	35	11	apps	app	NOUN
spir-13985	35	12	and	and	CCONJ
spir-13985	35	13	providing	provide	VERB
spir-13985	35	14	digital	digital	ADJ
spir-13985	35	15	-	-	PUNCT
spir-13985	35	16	only	only	ADV
spir-13985	35	17	service	service	NOUN
spir-13985	35	18	,	,	PUNCT
spir-13985	35	19	digital	digital	ADJ
spir-13985	35	20	banking	banking	NOUN
spir-13985	35	21	apps	app	NOUN
spir-13985	35	22	emphasise	emphasise	VERB
spir-13985	35	23	them	they	PRON
spir-13985	35	24	as	as	ADP
spir-13985	35	25	app	app	NOUN
spir-13985	35	26	users	user	NOUN
spir-13985	35	27	over	over	ADP
spir-13985	35	28	banking	banking	NOUN
spir-13985	35	29	customers	customer	NOUN
spir-13985	35	30	,	,	PUNCT
spir-13985	35	31	transferring	transfer	VERB
spir-13985	35	32	responsibilities	responsibility	NOUN
spir-13985	35	33	onto	onto	ADP
spir-13985	35	34	users	user	NOUN
spir-13985	35	35	.	.	PUNCT
spir-13985	36	1	digital	digital	ADJ
spir-13985	36	2	banking	banking	NOUN
spir-13985	36	3	apps	app	NOUN
spir-13985	36	4	incorporate	incorporate	VERB
spir-13985	36	5	self	self	NOUN
spir-13985	36	6	-	-	PUNCT
spir-13985	36	7	verified	verify	VERB
spir-13985	36	8	steps	step	NOUN
spir-13985	36	9	turning	turn	VERB
spir-13985	36	10	users	user	NOUN
spir-13985	36	11	into	into	ADP
spir-13985	36	12	unpaid	unpaid	ADJ
spir-13985	36	13	labourers	labourer	NOUN
spir-13985	36	14	(	(	PUNCT
spir-13985	36	15	jarrett	jarrett	PROPN
spir-13985	36	16	,	,	PUNCT
spir-13985	36	17	2022	2022	NUM
spir-13985	36	18	)	)	PUNCT
spir-13985	36	19	for	for	ADP
spir-13985	36	20	the	the	DET
spir-13985	36	21	platform	platform	NOUN
spir-13985	36	22	.	.	PUNCT
spir-13985	37	1	users	user	NOUN
spir-13985	37	2	are	be	AUX
spir-13985	37	3	expected	expect	VERB
spir-13985	37	4	to	to	PART
spir-13985	37	5	perform	perform	VERB
spir-13985	37	6	tasks	task	NOUN
spir-13985	37	7	traditionally	traditionally	ADV
spir-13985	37	8	managed	manage	VERB
spir-13985	37	9	by	by	ADP
spir-13985	37	10	service	service	NOUN
spir-13985	37	11	providers	provider	NOUN
spir-13985	37	12	,	,	PUNCT
spir-13985	37	13	such	such	ADJ
spir-13985	37	14	as	as	ADP
spir-13985	37	15	document	document	NOUN
spir-13985	37	16	verification	verification	NOUN
spir-13985	37	17	,	,	PUNCT
spir-13985	37	18	reporting	report	VERB
spir-13985	37	19	technical	technical	ADJ
spir-13985	37	20	issues	issue	NOUN
spir-13985	37	21	,	,	PUNCT
spir-13985	37	22	and	and	CCONJ
spir-13985	37	23	navigating	navigate	VERB
spir-13985	37	24	complex	complex	ADJ
spir-13985	37	25	consent	consent	NOUN
spir-13985	37	26	and	and	CCONJ
spir-13985	37	27	security	security	NOUN
spir-13985	37	28	processes	process	NOUN
spir-13985	37	29	.	.	PUNCT
spir-13985	38	1	this	this	DET
spir-13985	38	2	shift	shift	NOUN
spir-13985	38	3	requires	require	VERB
spir-13985	38	4	users	user	NOUN
spir-13985	38	5	to	to	PART
spir-13985	38	6	have	have	VERB
spir-13985	38	7	higher	high	ADJ
spir-13985	38	8	levels	level	NOUN
spir-13985	38	9	of	of	ADP
spir-13985	38	10	digital	digital	ADJ
spir-13985	38	11	and	and	CCONJ
spir-13985	38	12	financial	financial	ADJ
spir-13985	38	13	literacy	literacy	NOUN
spir-13985	38	14	,	,	PUNCT
spir-13985	38	15	which	which	PRON
spir-13985	38	16	may	may	AUX
spir-13985	38	17	exacerbate	exacerbate	VERB
spir-13985	38	18	the	the	DET
spir-13985	38	19	digital	digital	ADJ
spir-13985	38	20	divide	divide	NOUN
spir-13985	38	21	and	and	CCONJ
spir-13985	38	22	potentially	potentially	ADV
spir-13985	38	23	exclude	exclude	VERB
spir-13985	38	24	those	those	DET
spir-13985	38	25	less	less	ADV
spir-13985	38	26	proficient	proficient	ADJ
spir-13985	38	27	.	.	PUNCT
spir-13985	39	1	additionally	additionally	ADV
spir-13985	39	2	,	,	PUNCT
spir-13985	39	3	with	with	ADP
spir-13985	39	4	‘	'	PUNCT
spir-13985	39	5	rewards	reward	NOUN
spir-13985	39	6	’	'	PUNCT
spir-13985	39	7	for	for	ADP
spir-13985	39	8	referral	referral	ADJ
spir-13985	39	9	links	link	NOUN
spir-13985	39	10	,	,	PUNCT
spir-13985	39	11	digital	digital	ADJ
spir-13985	39	12	banking	banking	NOUN
spir-13985	39	13	apps	app	NOUN
spir-13985	39	14	impose	impose	VERB
spir-13985	39	15	risk	risk	NOUN
spir-13985	39	16	on	on	ADP
spir-13985	39	17	users	user	NOUN
spir-13985	39	18	for	for	ADP
spir-13985	39	19	sharing	share	VERB
spir-13985	39	20	information	information	NOUN
spir-13985	39	21	to	to	ADP
spir-13985	39	22	their	their	PRON
spir-13985	39	23	social	social	ADJ
spir-13985	39	24	networks	network	NOUN
spir-13985	39	25	for	for	ADP
spir-13985	39	26	the	the	DET
spir-13985	39	27	banks	bank	NOUN
spir-13985	39	28	without	without	ADP
spir-13985	39	29	adequate	adequate	ADJ
spir-13985	39	30	support	support	NOUN
spir-13985	39	31	or	or	CCONJ
spir-13985	39	32	compensation	compensation	NOUN
spir-13985	39	33	.	.	PUNCT
spir-13985	40	1	this	this	DET
spir-13985	40	2	trend	trend	NOUN
spir-13985	40	3	raises	raise	VERB
spir-13985	40	4	ethical	ethical	ADJ
spir-13985	40	5	concerns	concern	NOUN
spir-13985	40	6	about	about	ADP
spir-13985	40	7	user	user	NOUN
spir-13985	40	8	agency	agency	NOUN
spir-13985	40	9	and	and	CCONJ
spir-13985	40	10	the	the	DET
spir-13985	40	11	equitable	equitable	ADJ
spir-13985	40	12	design	design	NOUN
spir-13985	40	13	of	of	ADP
spir-13985	40	14	essential	essential	ADJ
spir-13985	40	15	financial	financial	ADJ
spir-13985	40	16	services	service	NOUN
spir-13985	40	17	within	within	ADP
spir-13985	40	18	the	the	DET
spir-13985	40	19	increasingly	increasingly	ADV
spir-13985	40	20	app	app	ADJ
spir-13985	40	21	-	-	PUNCT
spir-13985	40	22	centric	centric	ADJ
spir-13985	40	23	ecosystem	ecosystem	NOUN
spir-13985	40	24	.	.	PUNCT
spir-13985	41	1	this	this	DET
spir-13985	41	2	paper	paper	NOUN
spir-13985	41	3	traces	trace	VERB
spir-13985	41	4	the	the	DET
spir-13985	41	5	development	development	NOUN
spir-13985	41	6	of	of	ADP
spir-13985	41	7	the	the	DET
spir-13985	41	8	fintech	fintech	NOUN
spir-13985	41	9	industry	industry	NOUN
spir-13985	41	10	through	through	ADP
spir-13985	41	11	the	the	DET
spir-13985	41	12	lens	lens	NOUN
spir-13985	41	13	of	of	ADP
spir-13985	41	14	current	current	ADJ
spir-13985	41	15	digital	digital	ADJ
spir-13985	41	16	banking	banking	NOUN
spir-13985	41	17	app	app	NOUN
spir-13985	41	18	designs	design	NOUN
spir-13985	41	19	in	in	ADP
spir-13985	41	20	ireland	ireland	NOUN
spir-13985	41	21	.	.	PUNCT
spir-13985	42	1	it	it	PRON
spir-13985	42	2	identifies	identify	VERB
spir-13985	42	3	the	the	DET
spir-13985	42	4	convergence	convergence	NOUN
spir-13985	42	5	between	between	ADP
spir-13985	42	6	the	the	DET
spir-13985	42	7	media	medium	NOUN
spir-13985	42	8	and	and	CCONJ
spir-13985	42	9	finance	finance	NOUN
spir-13985	42	10	industries	industry	NOUN
spir-13985	42	11	and	and	CCONJ
spir-13985	42	12	their	their	PRON
spir-13985	42	13	digital	digital	ADJ
spir-13985	42	14	infrastructures	infrastructure	NOUN
spir-13985	42	15	,	,	PUNCT
spir-13985	42	16	highlighting	highlight	VERB
spir-13985	42	17	a	a	DET
spir-13985	42	18	collective	collective	ADJ
spir-13985	42	19	shift	shift	NOUN
spir-13985	42	20	towards	towards	ADP
spir-13985	42	21	platformisation	platformisation	NOUN
spir-13985	42	22	and	and	CCONJ
spir-13985	42	23	datafication	datafication	NOUN
spir-13985	42	24	.	.	PUNCT
spir-13985	43	1	three	three	NUM
spir-13985	43	2	different	different	ADJ
spir-13985	43	3	imaginaries	imaginary	NOUN
spir-13985	43	4	are	be	AUX
spir-13985	43	5	represented	represent	VERB
spir-13985	43	6	in	in	ADP
spir-13985	43	7	the	the	DET
spir-13985	43	8	designs	design	NOUN
spir-13985	43	9	of	of	ADP
spir-13985	43	10	the	the	DET
spir-13985	43	11	digital	digital	ADJ
spir-13985	43	12	banking	banking	NOUN
spir-13985	43	13	apps	app	NOUN
spir-13985	43	14	examined	examine	VERB
spir-13985	43	15	.	.	PUNCT
spir-13985	44	1	they	they	PRON
spir-13985	44	2	are	be	AUX
spir-13985	44	3	resonant	resonant	ADJ
spir-13985	44	4	of	of	ADP
spir-13985	44	5	classical	classical	ADJ
spir-13985	44	6	social	social	ADJ
spir-13985	44	7	theories	theory	NOUN
spir-13985	44	8	of	of	ADP
spir-13985	44	9	money	money	NOUN
spir-13985	44	10	and	and	CCONJ
spir-13985	44	11	contemporary	contemporary	ADJ
spir-13985	44	12	collective	collective	ADJ
spir-13985	44	13	understandings	understanding	NOUN
spir-13985	44	14	and	and	CCONJ
spir-13985	44	15	expectations	expectation	NOUN
spir-13985	44	16	of	of	ADP
spir-13985	44	17	personal	personal	ADJ
spir-13985	44	18	finance	finance	NOUN
spir-13985	44	19	.	.	PUNCT
spir-13985	45	1	these	these	DET
spir-13985	45	2	imaginaries	imaginary	NOUN
spir-13985	45	3	are	be	AUX
spir-13985	45	4	not	not	PART
spir-13985	45	5	separate	separate	ADJ
spir-13985	45	6	but	but	CCONJ
spir-13985	45	7	converge	converge	VERB
spir-13985	45	8	and	and	CCONJ
spir-13985	45	9	interact	interact	VERB
spir-13985	45	10	with	with	ADP
spir-13985	45	11	each	each	DET
spir-13985	45	12	other	other	ADJ
spir-13985	45	13	,	,	PUNCT
spir-13985	45	14	leading	lead	VERB
spir-13985	45	15	to	to	ADP
spir-13985	45	16	app	app	NOUN
spir-13985	45	17	designs	design	NOUN
spir-13985	45	18	such	such	ADJ
spir-13985	45	19	as	as	ADP
spir-13985	45	20	revolut	revolut	NOUN
spir-13985	45	21	ie	ie	ADV
spir-13985	45	22	and	and	CCONJ
spir-13985	45	23	an	an	DET
spir-13985	45	24	post	post	NOUN
spir-13985	45	25	money	money	NOUN
spir-13985	45	26	that	that	PRON
spir-13985	45	27	reflect	reflect	VERB
spir-13985	45	28	more	more	ADJ
spir-13985	45	29	than	than	ADP
spir-13985	45	30	one	one	NUM
spir-13985	45	31	imaginary	imaginary	ADJ
spir-13985	45	32	.	.	PUNCT
spir-13985	46	1	the	the	DET
spir-13985	46	2	analysis	analysis	NOUN
spir-13985	46	3	of	of	ADP
spir-13985	46	4	t&cs	t&cs	NOUN
spir-13985	46	5	documents	document	NOUN
spir-13985	46	6	reveals	reveal	VERB
spir-13985	46	7	ambiguities	ambiguity	NOUN
spir-13985	46	8	and	and	CCONJ
spir-13985	46	9	risks	risk	NOUN
spir-13985	46	10	that	that	PRON
spir-13985	46	11	may	may	AUX
spir-13985	46	12	create	create	VERB
spir-13985	46	13	barriers	barrier	NOUN
spir-13985	46	14	to	to	ADP
spir-13985	46	15	continuous	continuous	ADJ
spir-13985	46	16	app	app	NOUN
spir-13985	46	17	use	use	NOUN
spir-13985	46	18	,	,	PUNCT
spir-13985	46	19	withdrawal	withdrawal	NOUN
spir-13985	46	20	of	of	ADP
spir-13985	46	21	the	the	DET
spir-13985	46	22	service	service	NOUN
spir-13985	46	23	,	,	PUNCT
spir-13985	46	24	and	and	CCONJ
spir-13985	46	25	questionable	questionable	ADJ
spir-13985	46	26	consent	consent	NOUN
spir-13985	46	27	obtained	obtain	VERB
spir-13985	46	28	from	from	ADP
spir-13985	46	29	users	user	NOUN
spir-13985	46	30	who	who	PRON
spir-13985	46	31	are	be	AUX
spir-13985	46	32	not	not	PART
spir-13985	46	33	fully	fully	ADV
spir-13985	46	34	informed	inform	VERB
spir-13985	46	35	.	.	PUNCT
spir-13985	47	1	the	the	DET
spir-13985	47	2	deployment	deployment	NOUN
spir-13985	47	3	of	of	ADP
spir-13985	47	4	automated	automate	VERB
spir-13985	47	5	self	self	NOUN
spir-13985	47	6	-	-	PUNCT
spir-13985	47	7	verification	verification	NOUN
spir-13985	47	8	and	and	CCONJ
spir-13985	47	9	customer	customer	NOUN
spir-13985	47	10	service	service	NOUN
spir-13985	47	11	imposes	impose	VERB
spir-13985	47	12	additional	additional	ADJ
spir-13985	47	13	responsibilities	responsibility	NOUN
spir-13985	47	14	on	on	ADP
spir-13985	47	15	users	user	NOUN
spir-13985	47	16	,	,	PUNCT
spir-13985	47	17	including	include	VERB
spir-13985	47	18	more	more	ADJ
spir-13985	47	19	user	user	NOUN
spir-13985	47	20	labour	labour	NOUN
spir-13985	47	21	,	,	PUNCT
spir-13985	47	22	challenging	challenge	VERB
spir-13985	47	23	the	the	DET
spir-13985	47	24	industry	industry	NOUN
spir-13985	47	25	's	's	PART
spir-13985	47	26	promise	promise	NOUN
spir-13985	47	27	of	of	ADP
spir-13985	47	28	personalised	personalised	ADJ
spir-13985	47	29	banking	banking	NOUN
spir-13985	47	30	accessible	accessible	ADJ
spir-13985	47	31	anytime	anytime	ADV
spir-13985	47	32	,	,	PUNCT
spir-13985	47	33	anywhere	anywhere	ADV
spir-13985	47	34	.	.	PUNCT
spir-13985	48	1	this	this	DET
spir-13985	48	2	paper	paper	NOUN
spir-13985	48	3	lays	lay	VERB
spir-13985	48	4	a	a	DET
spir-13985	48	5	foundation	foundation	NOUN
spir-13985	48	6	for	for	ADP
spir-13985	48	7	further	further	ADJ
spir-13985	48	8	exploration	exploration	NOUN
spir-13985	48	9	into	into	ADP
spir-13985	48	10	how	how	SCONJ
spir-13985	48	11	the	the	DET
spir-13985	48	12	fintech	fintech	NOUN
spir-13985	48	13	industry	industry	NOUN
spir-13985	48	14	could	could	AUX
spir-13985	48	15	foster	foster	VERB
spir-13985	48	16	a	a	DET
spir-13985	48	17	more	more	ADV
spir-13985	48	18	inclusive	inclusive	ADJ
spir-13985	48	19	and	and	CCONJ
spir-13985	48	20	equitable	equitable	ADJ
spir-13985	48	21	financial	financial	ADJ
spir-13985	48	22	services	service	NOUN
spir-13985	48	23	network	network	NOUN
spir-13985	48	24	.	.	PUNCT
spir-13985	49	1	funding	fund	VERB
spir-13985	49	2	this	this	DET
spir-13985	49	3	research	research	NOUN
spir-13985	49	4	was	be	AUX
spir-13985	49	5	funded	fund	VERB
spir-13985	49	6	by	by	ADP
spir-13985	49	7	science	science	PROPN
spir-13985	49	8	foundation	foundation	PROPN
spir-13985	49	9	ireland	ireland	PROPN
spir-13985	49	10	under	under	ADP
spir-13985	49	11	grants	grant	NOUN
spir-13985	49	12	number	number	NOUN
spir-13985	49	13	18	18	NUM
spir-13985	49	14	/	/	SYM
spir-13985	49	15	crt/6222	crt/6222	NOUN
spir-13985	49	16	.	.	PUNCT
spir-13985	50	1	references	reference	NOUN
spir-13985	50	2	castoriadis	castoriadis	PROPN
spir-13985	50	3	,	,	PUNCT
spir-13985	50	4	c.	c.	PROPN
spir-13985	50	5	,	,	PUNCT
spir-13985	50	6	1998	1998	NUM
spir-13985	50	7	.	.	PUNCT
spir-13985	51	1	the	the	DET
spir-13985	51	2	imaginary	imaginary	ADJ
spir-13985	51	3	institution	institution	NOUN
spir-13985	51	4	of	of	ADP
spir-13985	51	5	society	society	NOUN
spir-13985	51	6	.	.	PUNCT
spir-13985	52	1	1st	1st	PROPN
spir-13985	52	2	mit	mit	PROPN
spir-13985	52	3	press	press	PROPN
spir-13985	52	4	pbk	pbk	PROPN
spir-13985	52	5	.	.	PUNCT
spir-13985	53	1	ed	ed	PROPN
spir-13985	53	2	ed	ed	PROPN
spir-13985	53	3	.	.	PUNCT
spir-13985	54	1	cambridge	cambridge	PROPN
spir-13985	54	2	,	,	PUNCT
spir-13985	54	3	mass	mass	PROPN
spir-13985	54	4	.	.	PUNCT
spir-13985	54	5	:	:	PUNCT
spir-13985	55	1	mit	mit	VERB
spir-13985	55	2	press	press	NOUN
spir-13985	55	3	.	.	PUNCT
spir-13985	56	1	chuhan	chuhan	ADJ
spir-13985	56	2	-	-	PUNCT
spir-13985	56	3	pole	pole	NOUN
spir-13985	56	4	,	,	PUNCT
spir-13985	56	5	p.	p.	NOUN
spir-13985	56	6	and	and	CCONJ
spir-13985	56	7	angwafo	angwafo	PROPN
spir-13985	56	8	,	,	PUNCT
spir-13985	56	9	m.	m.	NOUN
spir-13985	56	10	eds	ed	NOUN
spir-13985	56	11	.	.	PROPN
spir-13985	56	12	,	,	PUNCT
spir-13985	56	13	2011	2011	NUM
spir-13985	56	14	.	.	PUNCT
spir-13985	57	1	yes	yes	INTJ
spir-13985	57	2	africa	africa	PROPN
spir-13985	57	3	can	can	AUX
spir-13985	57	4	:	:	PUNCT
spir-13985	57	5	success	success	NOUN
spir-13985	57	6	stories	story	NOUN
spir-13985	57	7	from	from	ADP
spir-13985	57	8	a	a	DET
spir-13985	57	9	dynamic	dynamic	ADJ
spir-13985	57	10	continent	continent	NOUN
spir-13985	57	11	.	.	PUNCT
spir-13985	58	1	washington	washington	PROPN
spir-13985	58	2	,	,	PUNCT
spir-13985	58	3	d.c	d.c	PROPN
spir-13985	58	4	:	:	PUNCT
spir-13985	58	5	world	world	PROPN
spir-13985	58	6	bank	bank	PROPN
spir-13985	58	7	.	.	PUNCT
spir-13985	59	1	dijck	dijck	NOUN
spir-13985	59	2	,	,	PUNCT
spir-13985	59	3	j.	j.	PROPN
spir-13985	59	4	van	van	PROPN
spir-13985	59	5	,	,	PUNCT
spir-13985	59	6	poell	poell	NOUN
spir-13985	59	7	,	,	PUNCT
spir-13985	59	8	t.	t.	PROPN
spir-13985	59	9	and	and	CCONJ
spir-13985	59	10	waal	waal	PROPN
spir-13985	59	11	,	,	PUNCT
spir-13985	59	12	m.	m.	NOUN
spir-13985	59	13	de	de	PROPN
spir-13985	59	14	,	,	PUNCT
spir-13985	59	15	2018	2018	NUM
spir-13985	59	16	.	.	PUNCT
spir-13985	60	1	the	the	DET
spir-13985	60	2	platform	platform	NOUN
spir-13985	60	3	society	society	NOUN
spir-13985	60	4	.	.	PUNCT
spir-13985	61	1	new	new	PROPN
spir-13985	61	2	york	york	PROPN
spir-13985	61	3	,	,	PUNCT
spir-13985	61	4	ny	ny	PROPN
spir-13985	61	5	:	:	PUNCT
spir-13985	61	6	oxford	oxford	PROPN
spir-13985	61	7	university	university	PROPN
spir-13985	61	8	press	press	NOUN
spir-13985	61	9	.	.	PUNCT
spir-13985	62	1	van	van	PROPN
spir-13985	62	2	dijck	dijck	PROPN
spir-13985	62	3	,	,	PUNCT
spir-13985	62	4	j.	j.	PROPN
spir-13985	62	5	,	,	PUNCT
spir-13985	62	6	2014	2014	NUM
spir-13985	62	7	.	.	PUNCT
spir-13985	63	1	datafication	datafication	NOUN
spir-13985	63	2	,	,	PUNCT
spir-13985	63	3	dataism	dataism	NOUN
spir-13985	63	4	and	and	CCONJ
spir-13985	63	5	dataveillance	dataveillance	NOUN
spir-13985	63	6	:	:	PUNCT
spir-13985	63	7	big	big	ADJ
spir-13985	63	8	data	datum	NOUN
spir-13985	63	9	between	between	ADP
spir-13985	63	10	scientific	scientific	ADJ
spir-13985	63	11	paradigm	paradigm	NOUN
spir-13985	63	12	and	and	CCONJ
spir-13985	63	13	ideology	ideology	NOUN
spir-13985	63	14	.	.	PUNCT
spir-13985	64	1	surveillance	surveillance	NOUN
spir-13985	64	2	&	&	CCONJ
spir-13985	64	3	society	society	NOUN
spir-13985	64	4	,	,	PUNCT
spir-13985	64	5	12(2	12(2	NUM
spir-13985	64	6	)	)	PUNCT
spir-13985	64	7	,	,	PUNCT
spir-13985	64	8	pp.197–208	pp.197–208	NOUN
spir-13985	64	9	.	.	PUNCT
spir-13985	64	10	https://doi.org/10.24908/ss.v12i2.4776	https://doi.org/10.24908/ss.v12i2.4776	PROPN
spir-13985	64	11	.	.	PUNCT
spir-13985	65	1	dodd	dodd	PROPN
spir-13985	65	2	,	,	PUNCT
spir-13985	65	3	n.	n.	NOUN
spir-13985	65	4	,	,	PUNCT
spir-13985	65	5	2014	2014	NUM
spir-13985	65	6	.	.	PUNCT
spir-13985	66	1	the	the	DET
spir-13985	66	2	social	social	ADJ
spir-13985	66	3	life	life	NOUN
spir-13985	66	4	of	of	ADP
spir-13985	66	5	money	money	NOUN
spir-13985	66	6	.	.	PUNCT
spir-13985	67	1	princeton	princeton	PROPN
spir-13985	67	2	,	,	PUNCT
spir-13985	67	3	new	new	PROPN
spir-13985	67	4	jersey	jersey	PROPN
spir-13985	67	5	:	:	PUNCT
spir-13985	67	6	princeton	princeton	PROPN
spir-13985	67	7	university	university	PROPN
spir-13985	67	8	press	press	NOUN
spir-13985	67	9	.	.	PUNCT
spir-13985	68	1	van	van	PROPN
spir-13985	68	2	esterik	esterik	NOUN
spir-13985	68	3	-	-	PUNCT
spir-13985	68	4	plasmeijer	plasmeijer	NOUN
spir-13985	68	5	,	,	PUNCT
spir-13985	68	6	p.w.j	p.w.j	NOUN
spir-13985	68	7	.	.	PUNCT
spir-13985	69	1	and	and	CCONJ
spir-13985	69	2	van	van	PROPN
spir-13985	69	3	raaij	raaij	PROPN
spir-13985	69	4	,	,	PUNCT
spir-13985	69	5	w.f	w.f	PROPN
spir-13985	69	6	.	.	PROPN
spir-13985	69	7	,	,	PUNCT
spir-13985	69	8	2017	2017	NUM
spir-13985	69	9	.	.	PUNCT
spir-13985	70	1	banking	banking	NOUN
spir-13985	70	2	system	system	NOUN
spir-13985	70	3	trust	trust	PROPN
spir-13985	70	4	,	,	PUNCT
spir-13985	70	5	bank	bank	NOUN
spir-13985	70	6	trust	trust	NOUN
spir-13985	70	7	,	,	PUNCT
spir-13985	70	8	and	and	CCONJ
spir-13985	70	9	bank	bank	NOUN
spir-13985	70	10	loyalty	loyalty	NOUN
spir-13985	70	11	.	.	PUNCT
spir-13985	71	1	international	international	ADJ
spir-13985	71	2	journal	journal	PROPN
spir-13985	71	3	of	of	ADP
spir-13985	71	4	bank	bank	PROPN
spir-13985	71	5	marketing	marketing	NOUN
spir-13985	71	6	,	,	PUNCT
spir-13985	71	7	35(1	35(1	NUM
spir-13985	71	8	)	)	PUNCT
spir-13985	71	9	,	,	PUNCT
spir-13985	71	10	pp.97	pp.97	NOUN
spir-13985	71	11	–	–	PUNCT
spir-13985	71	12	111	111	NUM
spir-13985	71	13	.	.	PUNCT
spir-13985	72	1	https://doi.org/10.1108/ijbm-12-2015-0195	https://doi.org/10.1108/ijbm-12-2015-0195	ADJ
spir-13985	72	2	.	.	PUNCT
spir-13985	72	3	gillespie	gillespie	PROPN
spir-13985	72	4	,	,	PUNCT
spir-13985	72	5	t.	t.	NOUN
spir-13985	72	6	,	,	PUNCT
spir-13985	72	7	2018	2018	NUM
spir-13985	72	8	.	.	PUNCT
spir-13985	73	1	custodians	custodian	NOUN
spir-13985	73	2	of	of	ADP
spir-13985	73	3	the	the	DET
spir-13985	73	4	internet	internet	NOUN
spir-13985	73	5	:	:	PUNCT
spir-13985	73	6	platforms	platform	NOUN
spir-13985	73	7	,	,	PUNCT
spir-13985	73	8	content	content	NOUN
spir-13985	73	9	moderation	moderation	NOUN
spir-13985	73	10	,	,	PUNCT
spir-13985	73	11	and	and	CCONJ
spir-13985	73	12	the	the	DET
spir-13985	73	13	hidden	hide	VERB
spir-13985	73	14	decisions	decision	NOUN
spir-13985	73	15	that	that	PRON
spir-13985	73	16	shape	shape	VERB
spir-13985	73	17	social	social	ADJ
spir-13985	73	18	media	medium	NOUN
spir-13985	73	19	.	.	PUNCT
spir-13985	74	1	new	new	PROPN
spir-13985	74	2	haven	haven	PROPN
spir-13985	74	3	london	london	PROPN
spir-13985	74	4	:	:	PUNCT
spir-13985	74	5	yale	yale	PROPN
spir-13985	74	6	university	university	PROPN
spir-13985	74	7	press	press	NOUN
spir-13985	74	8	.	.	PUNCT
spir-13985	75	1	jensen	jensen	PROPN
spir-13985	75	2	,	,	PUNCT
spir-13985	75	3	k.b	k.b	PROPN
spir-13985	75	4	.	.	PROPN
spir-13985	75	5	,	,	PUNCT
spir-13985	75	6	2022	2022	NUM
spir-13985	75	7	.	.	PUNCT
spir-13985	76	1	media	medium	NOUN
spir-13985	76	2	convergence	convergence	NOUN
spir-13985	76	3	:	:	PUNCT
spir-13985	76	4	the	the	DET
spir-13985	76	5	three	three	NUM
spir-13985	76	6	degrees	degree	NOUN
spir-13985	76	7	of	of	ADP
spir-13985	76	8	network	network	NOUN
spir-13985	76	9	,	,	PUNCT
spir-13985	76	10	mass	mass	NOUN
spir-13985	76	11	,	,	PUNCT
spir-13985	76	12	and	and	CCONJ
spir-13985	76	13	interpersonal	interpersonal	ADJ
spir-13985	76	14	communication	communication	NOUN
spir-13985	76	15	.	.	PUNCT
spir-13985	77	1	2nd	2nd	ADJ
spir-13985	77	2	ed	ed	NOUN
spir-13985	77	3	.	.	PUNCT
spir-13985	78	1	[	[	X
spir-13985	78	2	online	online	X
spir-13985	78	3	]	]	X
spir-13985	78	4	london	london	PROPN
spir-13985	78	5	:	:	PUNCT
spir-13985	78	6	routledge	routledge	PROPN
spir-13985	78	7	.	.	PUNCT
spir-13985	79	1	https://doi.org/10.4324/9781003199601	https://doi.org/10.4324/9781003199601	PROPN
spir-13985	79	2	.	.	PUNCT
spir-13985	80	1	knapp	knapp	PROPN
spir-13985	80	2	,	,	PUNCT
spir-13985	80	3	g.f	g.f	PROPN
spir-13985	80	4	.	.	PROPN
spir-13985	80	5	,	,	PUNCT
spir-13985	80	6	lucas	lucas	PROPN
spir-13985	80	7	,	,	PUNCT
spir-13985	80	8	h.m	h.m	PROPN
spir-13985	80	9	.	.	PROPN
spir-13985	80	10	and	and	CCONJ
spir-13985	80	11	bonar	bonar	PROPN
spir-13985	80	12	,	,	PUNCT
spir-13985	80	13	j.	j.	PROPN
spir-13985	80	14	,	,	PUNCT
spir-13985	80	15	1973	1973	NUM
spir-13985	80	16	.	.	PUNCT
spir-13985	81	1	the	the	DET
spir-13985	81	2	state	state	NOUN
spir-13985	81	3	theory	theory	NOUN
spir-13985	81	4	of	of	ADP
spir-13985	81	5	money	money	NOUN
spir-13985	81	6	.	.	PUNCT
spir-13985	82	1	[	[	X
spir-13985	82	2	abridged	abridge	VERB
spir-13985	82	3	ed	ed	NOUN
spir-13985	82	4	ed	ed	NOUN
spir-13985	82	5	.	.	PUNCT
spir-13985	83	1	reprints	reprint	NOUN
spir-13985	83	2	of	of	ADP
spir-13985	83	3	economic	economic	ADJ
spir-13985	83	4	classics	classic	NOUN
spir-13985	83	5	.	.	PUNCT
spir-13985	84	1	clifton	clifton	PROPN
spir-13985	85	1	[	[	X
spir-13985	85	2	n.j	n.j	PROPN
spir-13985	85	3	.	.	PROPN
spir-13985	85	4	]	]	X
spir-13985	85	5	:	:	PUNCT
spir-13985	85	6	a.	a.	PROPN
spir-13985	85	7	m.	m.	PROPN
spir-13985	85	8	kelley	kelley	PROPN
spir-13985	85	9	.	.	PUNCT
spir-13985	86	1	lemieux	lemieux	PROPN
spir-13985	86	2	,	,	PUNCT
spir-13985	86	3	v.	v.	PROPN
spir-13985	86	4	and	and	CCONJ
spir-13985	86	5	dodd	dodd	PROPN
spir-13985	86	6	,	,	PUNCT
spir-13985	86	7	n.	n.	NOUN
spir-13985	86	8	,	,	PUNCT
spir-13985	86	9	2023	2023	NUM
spir-13985	86	10	.	.	PUNCT
spir-13985	87	1	‘	'	PUNCT
spir-13985	87	2	life	life	NOUN
spir-13985	87	3	world	world	NOUN
spir-13985	87	4	’	'	PUNCT
spir-13985	87	5	on	on	ADP
spir-13985	87	6	ledger	ledger	NOUN
spir-13985	87	7	:	:	PUNCT
spir-13985	87	8	a	a	DET
spir-13985	87	9	‘	'	PUNCT
spir-13985	87	10	scenic	scenic	ADJ
spir-13985	87	11	’	'	PUNCT
spir-13985	87	12	view	view	NOUN
spir-13985	87	13	.	.	PUNCT
spir-13985	88	1	journal	journal	NOUN
spir-13985	88	2	of	of	ADP
spir-13985	88	3	digital	digital	ADJ
spir-13985	88	4	social	social	ADJ
spir-13985	88	5	research	research	NOUN
spir-13985	88	6	,	,	PUNCT
spir-13985	88	7	5(2	5(2	NUM
spir-13985	88	8	)	)	PUNCT
spir-13985	88	9	,	,	PUNCT
spir-13985	88	10	pp.21–54	pp.21–54	NOUN
spir-13985	88	11	.	.	PUNCT
spir-13985	89	1	https://doi.org/10.33621/jdsr.v5i2.145	https://doi.org/10.33621/jdsr.v5i2.145	PROPN
spir-13985	89	2	.	.	PUNCT
spir-13985	90	1	light	light	PROPN
spir-13985	90	2	,	,	PUNCT
spir-13985	90	3	b.	b.	PROPN
spir-13985	90	4	,	,	PUNCT
spir-13985	90	5	burgess	burgess	PROPN
spir-13985	90	6	,	,	PUNCT
spir-13985	90	7	j.	j.	PROPN
spir-13985	90	8	and	and	CCONJ
spir-13985	90	9	duguay	duguay	PROPN
spir-13985	90	10	,	,	PUNCT
spir-13985	90	11	s.	s.	PROPN
spir-13985	90	12	,	,	PUNCT
spir-13985	90	13	2018	2018	NUM
spir-13985	90	14	.	.	PUNCT
spir-13985	91	1	the	the	DET
spir-13985	91	2	walkthrough	walkthrough	NOUN
spir-13985	91	3	method	method	NOUN
spir-13985	91	4	:	:	PUNCT
spir-13985	91	5	an	an	DET
spir-13985	91	6	approach	approach	NOUN
spir-13985	91	7	to	to	ADP
spir-13985	91	8	the	the	DET
spir-13985	91	9	study	study	NOUN
spir-13985	91	10	of	of	ADP
spir-13985	91	11	apps	app	NOUN
spir-13985	91	12	.	.	PUNCT
spir-13985	92	1	new	new	ADJ
spir-13985	92	2	media	medium	NOUN
spir-13985	92	3	&	&	CCONJ
spir-13985	92	4	society	society	NOUN
spir-13985	92	5	,	,	PUNCT
spir-13985	92	6	20(3	20(3	NOUN
spir-13985	92	7	)	)	PUNCT
spir-13985	92	8	,	,	PUNCT
spir-13985	92	9	pp.881–900	pp.881–900	NOUN
spir-13985	92	10	.	.	PUNCT
spir-13985	93	1	https://doi.org/10.1177/1461444816675438	https://doi.org/10.1177/1461444816675438	PROPN
spir-13985	93	2	.	.	PUNCT
spir-13985	94	1	mansell	mansell	PROPN
spir-13985	94	2	,	,	PUNCT
spir-13985	94	3	r.	r.	PROPN
spir-13985	94	4	,	,	PUNCT
spir-13985	94	5	2012	2012	NUM
spir-13985	94	6	.	.	PUNCT
spir-13985	95	1	imagining	imagine	VERB
spir-13985	95	2	the	the	DET
spir-13985	95	3	internet	internet	NOUN
spir-13985	95	4	:	:	PUNCT
spir-13985	95	5	communication	communication	NOUN
spir-13985	95	6	,	,	PUNCT
spir-13985	95	7	innovation	innovation	NOUN
spir-13985	95	8	,	,	PUNCT
spir-13985	95	9	and	and	CCONJ
spir-13985	95	10	governance	governance	NOUN
spir-13985	95	11	.	.	PUNCT
spir-13985	96	1	oxford	oxford	NOUN
spir-13985	96	2	:	:	PUNCT
spir-13985	96	3	oxford	oxford	PROPN
spir-13985	96	4	university	university	PROPN
spir-13985	96	5	press	press	NOUN
spir-13985	96	6	.	.	PUNCT
spir-13985	97	1	maurer	maurer	PROPN
spir-13985	97	2	,	,	PUNCT
spir-13985	97	3	b.	b.	PROPN
spir-13985	97	4	,	,	PUNCT
spir-13985	97	5	2015	2015	NUM
spir-13985	97	6	.	.	PUNCT
spir-13985	98	1	how	how	SCONJ
spir-13985	98	2	would	would	AUX
spir-13985	98	3	you	you	PRON
spir-13985	98	4	like	like	VERB
spir-13985	98	5	to	to	PART
spir-13985	98	6	pay	pay	VERB
spir-13985	98	7	?	?	PUNCT
spir-13985	99	1	how	how	SCONJ
spir-13985	99	2	technology	technology	NOUN
spir-13985	99	3	is	be	AUX
spir-13985	99	4	changing	change	VERB
spir-13985	99	5	the	the	DET
spir-13985	99	6	future	future	NOUN
spir-13985	99	7	of	of	ADP
spir-13985	99	8	money	money	NOUN
spir-13985	99	9	.	.	PUNCT
spir-13985	100	1	durham	durham	PROPN
spir-13985	100	2	;	;	PUNCT
spir-13985	100	3	london	london	PROPN
spir-13985	100	4	:	:	PUNCT
spir-13985	100	5	duke	duke	PROPN
spir-13985	100	6	university	university	PROPN
spir-13985	100	7	press	press	NOUN
spir-13985	100	8	.	.	PUNCT
spir-13985	101	1	mezei	mezei	NOUN
spir-13985	101	2	,	,	PUNCT
spir-13985	101	3	p.	p.	NOUN
spir-13985	101	4	and	and	CCONJ
spir-13985	101	5	verteș	verteș	NOUN
spir-13985	101	6	-	-	PUNCT
spir-13985	101	7	olteanu	olteanu	NOUN
spir-13985	101	8	,	,	PUNCT
spir-13985	101	9	a.	a.	NOUN
spir-13985	101	10	,	,	PUNCT
spir-13985	101	11	2020	2020	NUM
spir-13985	101	12	.	.	PUNCT
spir-13985	102	1	from	from	ADP
spir-13985	102	2	trust	trust	NOUN
spir-13985	102	3	in	in	ADP
spir-13985	102	4	the	the	DET
spir-13985	102	5	system	system	NOUN
spir-13985	102	6	to	to	PART
spir-13985	102	7	trust	trust	VERB
spir-13985	102	8	in	in	ADP
spir-13985	102	9	the	the	DET
spir-13985	102	10	content	content	NOUN
spir-13985	102	11	.	.	PUNCT
spir-13985	103	1	internet	internet	NOUN
spir-13985	103	2	policy	policy	NOUN
spir-13985	103	3	review	review	NOUN
spir-13985	103	4	,	,	PUNCT
spir-13985	103	5	[	[	X
spir-13985	103	6	online	online	X
spir-13985	103	7	]	]	X
spir-13985	103	8	9(4	9(4	NUM
spir-13985	103	9	)	)	PUNCT
spir-13985	103	10	.	.	PUNCT
spir-13985	104	1	https://doi.org/10.14763/2020.4.1511	https://doi.org/10.14763/2020.4.1511	PROPN
spir-13985	104	2	.	.	PUNCT
spir-13985	105	1	poell	poell	PROPN
spir-13985	105	2	,	,	PUNCT
spir-13985	105	3	t.	t.	NOUN
spir-13985	105	4	,	,	PUNCT
spir-13985	105	5	nieborg	nieborg	PROPN
spir-13985	105	6	,	,	PUNCT
spir-13985	105	7	d.	d.	PROPN
spir-13985	105	8	and	and	CCONJ
spir-13985	105	9	van	van	PROPN
spir-13985	105	10	dijck	dijck	NOUN
spir-13985	105	11	,	,	PUNCT
spir-13985	105	12	j.	j.	PROPN
spir-13985	105	13	,	,	PUNCT
spir-13985	105	14	2019	2019	NUM
spir-13985	105	15	.	.	PUNCT
spir-13985	106	1	platformisation	platformisation	NOUN
spir-13985	106	2	.	.	PUNCT
spir-13985	107	1	internet	internet	NOUN
spir-13985	107	2	policy	policy	NOUN
spir-13985	107	3	review	review	NOUN
spir-13985	107	4	,	,	PUNCT
spir-13985	108	1	[	[	X
spir-13985	108	2	online	online	X
spir-13985	108	3	]	]	X
spir-13985	108	4	8(4	8(4	NUM
spir-13985	108	5	)	)	PUNCT
spir-13985	108	6	.	.	PUNCT
spir-13985	109	1	https://doi.org/10.14763/2019.4.1425	https://doi.org/10.14763/2019.4.1425	PROPN
spir-13985	109	2	.	.	PUNCT
spir-13985	110	1	sadowski	sadowski	PROPN
spir-13985	110	2	,	,	PUNCT
spir-13985	110	3	j.	j.	PROPN
spir-13985	110	4	,	,	PUNCT
spir-13985	110	5	2019	2019	NUM
spir-13985	110	6	.	.	PUNCT
spir-13985	111	1	when	when	SCONJ
spir-13985	111	2	data	datum	NOUN
spir-13985	111	3	is	be	AUX
spir-13985	111	4	capital	capital	NOUN
spir-13985	111	5	:	:	PUNCT
spir-13985	111	6	datafication	datafication	ADJ
spir-13985	111	7	,	,	PUNCT
spir-13985	111	8	accumulation	accumulation	NOUN
spir-13985	111	9	,	,	PUNCT
spir-13985	111	10	and	and	CCONJ
spir-13985	111	11	extraction	extraction	NOUN
spir-13985	111	12	.	.	PUNCT
spir-13985	112	1	big	big	ADJ
spir-13985	112	2	data	datum	NOUN
spir-13985	112	3	&	&	CCONJ
spir-13985	112	4	society	society	NOUN
spir-13985	112	5	,	,	PUNCT
spir-13985	112	6	6(1	6(1	NUM
spir-13985	112	7	)	)	PUNCT
spir-13985	112	8	,	,	PUNCT
spir-13985	112	9	p.2053951718820549	p.2053951718820549	PROPN
spir-13985	112	10	.	.	PUNCT
spir-13985	112	11	https://doi.org/10.1177/2053951718820549	https://doi.org/10.1177/2053951718820549	PROPN
spir-13985	112	12	.	.	PUNCT
spir-13985	112	13	simmel	simmel	PROPN
spir-13985	112	14	,	,	PUNCT
spir-13985	112	15	g.	g.	PROPN
spir-13985	112	16	,	,	PUNCT
spir-13985	112	17	2011	2011	NUM
spir-13985	112	18	.	.	PUNCT
spir-13985	113	1	the	the	DET
spir-13985	113	2	philosophy	philosophy	NOUN
spir-13985	113	3	of	of	ADP
spir-13985	113	4	money	money	NOUN
spir-13985	113	5	.	.	PUNCT
spir-13985	114	1	routledge	routledge	PROPN
spir-13985	114	2	classics	classic	NOUN
spir-13985	114	3	.	.	PUNCT
spir-13985	115	1	abingdon	abingdon	PROPN
spir-13985	115	2	,	,	PUNCT
spir-13985	115	3	oxon	oxon	PROPN
spir-13985	115	4	;	;	PUNCT
spir-13985	115	5	new	new	PROPN
spir-13985	115	6	york	york	PROPN
spir-13985	115	7	:	:	PUNCT
spir-13985	115	8	routledge	routledge	PROPN
spir-13985	115	9	.	.	PUNCT
spir-13985	116	1	https://doi.org/10.24908/ss.v12i2.4776	https://doi.org/10.24908/ss.v12i2.4776	PROPN
spir-13985	116	2	https://doi.org/10.1108/ijbm-12-2015-0195	https://doi.org/10.1108/ijbm-12-2015-0195	NOUN
spir-13985	116	3	https://doi.org/10.4324/9781003199601	https://doi.org/10.4324/9781003199601	PROPN
spir-13985	116	4	https://doi.org/10.33621/jdsr.v5i2.145	https://doi.org/10.33621/jdsr.v5i2.145	PROPN
spir-13985	116	5	https://doi.org/10.1177/1461444816675438	https://doi.org/10.1177/1461444816675438	PROPN
spir-13985	116	6	https://doi.org/10.14763/2020.4.1511	https://doi.org/10.14763/2020.4.1511	PROPN
spir-13985	116	7	https://doi.org/10.14763/2019.4.1425	https://doi.org/10.14763/2019.4.1425	PROPN
spir-13985	116	8	https://doi.org/10.1177/2053951718820549	https://doi.org/10.1177/2053951718820549	PROPN
spir-13985	116	9	swartz	swartz	PROPN
spir-13985	116	10	,	,	PUNCT
spir-13985	116	11	l.	l.	PROPN
spir-13985	116	12	,	,	PUNCT
spir-13985	116	13	2020	2020	NUM
spir-13985	116	14	.	.	PUNCT
spir-13985	117	1	new	new	ADJ
spir-13985	117	2	money	money	NOUN
spir-13985	117	3	:	:	PUNCT
spir-13985	117	4	how	how	SCONJ
spir-13985	117	5	payment	payment	NOUN
spir-13985	117	6	became	become	VERB
spir-13985	117	7	social	social	ADJ
spir-13985	117	8	media	medium	NOUN
spir-13985	117	9	.	.	PUNCT
spir-13985	118	1	chicago	chicago	PROPN
spir-13985	118	2	university	university	PROPN
spir-13985	118	3	press	press	NOUN
spir-13985	118	4	.	.	PUNCT
spir-13985	119	1	westermeier	westermeier	NOUN
spir-13985	119	2	,	,	PUNCT
spir-13985	119	3	c.	c.	NOUN
spir-13985	119	4	,	,	PUNCT
spir-13985	119	5	2020	2020	NUM
spir-13985	119	6	.	.	PUNCT
spir-13985	120	1	money	money	NOUN
spir-13985	120	2	is	be	AUX
spir-13985	120	3	data	datum	NOUN
spir-13985	120	4	–	–	PUNCT
spir-13985	120	5	the	the	DET
spir-13985	120	6	platformization	platformization	NOUN
spir-13985	120	7	of	of	ADP
spir-13985	120	8	financial	financial	ADJ
spir-13985	120	9	transactions	transaction	NOUN
spir-13985	120	10	.	.	PUNCT
spir-13985	121	1	information	information	NOUN
spir-13985	121	2	,	,	PUNCT
spir-13985	121	3	communication	communication	NOUN
spir-13985	121	4	&	&	CCONJ
spir-13985	121	5	society	society	NOUN
spir-13985	121	6	,	,	PUNCT
spir-13985	121	7	23(14	23(14	NOUN
spir-13985	121	8	)	)	PUNCT
spir-13985	121	9	,	,	PUNCT
spir-13985	121	10	pp.2047–2063	pp.2047–2063	PROPN
spir-13985	121	11	.	.	PUNCT
spir-13985	122	1	https://doi.org/10.1080/1369118x.2020.1770833	https://doi.org/10.1080/1369118x.2020.1770833	PROPN
spir-13985	122	2	.	.	PROPN
spir-13985	122	3	zelizer	zelizer	PROPN
spir-13985	122	4	,	,	PUNCT
spir-13985	122	5	v.a.r	v.a.r	PROPN
spir-13985	122	6	.	.	PROPN
spir-13985	122	7	,	,	PUNCT
spir-13985	122	8	2017	2017	NUM
spir-13985	122	9	.	.	PUNCT
spir-13985	123	1	the	the	DET
spir-13985	123	2	social	social	ADJ
spir-13985	123	3	meaning	meaning	NOUN
spir-13985	123	4	of	of	ADP
spir-13985	123	5	money	money	NOUN
spir-13985	123	6	.	.	PUNCT
spir-13985	124	1	new	new	ADJ
spir-13985	124	2	princeton	princeton	PROPN
spir-13985	124	3	paperback	paperback	PROPN
spir-13985	124	4	edition	edition	PROPN
spir-13985	124	5	ed	ed	PROPN
spir-13985	124	6	.	.	PUNCT
spir-13985	124	7	princeton	princeton	PROPN
spir-13985	124	8	,	,	PUNCT
spir-13985	124	9	new	new	PROPN
spir-13985	124	10	jersey	jersey	PROPN
spir-13985	124	11	:	:	PUNCT
spir-13985	124	12	princeton	princeton	PROPN
spir-13985	124	13	university	university	PROPN
spir-13985	124	14	press	press	NOUN
spir-13985	124	15	.	.	PUNCT
spir-13985	125	1	https://doi.org/10.1080/1369118x.2020.1770833	https://doi.org/10.1080/1369118x.2020.1770833	X