id	sid	tid	token	lemma	pos
cjfa-33347	1	1	date	date	NOUN
cjfa-33347	1	2	of	of	ADP
cjfa-33347	1	3	submission	submission	NOUN
cjfa-33347	1	4	:	:	PUNCT
cjfa-33347	1	5	august	august	PROPN
cjfa-33347	1	6	12	12	NUM
cjfa-33347	1	7	,	,	PUNCT
cjfa-33347	1	8	2020	2020	NUM
cjfa-33347	1	9	;	;	PUNCT
cjfa-33347	1	10	date	date	NOUN
cjfa-33347	1	11	of	of	ADP
cjfa-33347	1	12	acceptance	acceptance	NOUN
cjfa-33347	1	13	:	:	PUNCT
cjfa-33347	1	14	october	october	PROPN
cjfa-33347	1	15	4	4	NUM
cjfa-33347	1	16	,	,	PUNCT
cjfa-33347	1	17	2020	2020	NUM
cjfa-33347	1	18	.	.	PUNCT
cjfa-33347	2	1	*	*	PUNCT
cjfa-33347	2	2	contact	contact	NOUN
cjfa-33347	2	3	information	information	NOUN
cjfa-33347	2	4	:	:	PUNCT
cjfa-33347	2	5	nadiapurkayastha@gmail.com	nadiapurkayastha@gmail.com	X
cjfa-33347	2	6	,	,	PUNCT
cjfa-33347	2	7	atılım	atılım	VERB
cjfa-33347	2	8	university	university	NOUN
cjfa-33347	2	9	,	,	PUNCT
cjfa-33347	2	10	social	social	PROPN
cjfa-33347	2	11	sciences	sciences	PROPN
cjfa-33347	2	12	institute	institute	PROPN
cjfa-33347	2	13	,	,	PUNCT
cjfa-33347	2	14	mba	mba	PROPN
cjfa-33347	2	15	program	program	NOUN
cjfa-33347	2	16	,	,	PUNCT
cjfa-33347	2	17	incek	incek	NOUN
cjfa-33347	2	18	,	,	PUNCT
cjfa-33347	2	19	ankara	ankara	PROPN
cjfa-33347	2	20	,	,	PUNCT
cjfa-33347	2	21	turkey	turkey	PROPN
cjfa-33347	2	22	,	,	PUNCT
cjfa-33347	2	23	phone	phone	NOUN
cjfa-33347	2	24	:	:	PUNCT
cjfa-33347	2	25	+90	+90	NOUN
cjfa-33347	2	26	5060934959	5060934959	NUM
cjfa-33347	2	27	,	,	PUNCT
cjfa-33347	2	28	orcid	orcid	NOUN
cjfa-33347	3	1	i	i	NOUN
cjfa-33347	3	2	d	d	NOUN
cjfa-33347	3	3	:	:	PUNCT
cjfa-33347	3	4	https://orcid.org/0000-0002-8072-5508	https://orcid.org/0000-0002-8072-5508	NOUN
cjfa-33347	3	5	.	.	PUNCT
cjfa-33347	4	1	*	*	PUNCT
cjfa-33347	4	2	*	*	PUNCT
cjfa-33347	4	3	contact	contact	NOUN
cjfa-33347	4	4	information	information	NOUN
cjfa-33347	4	5	:	:	PUNCT
cjfa-33347	4	6	sule.tuzlukaya@atilim.edu.tr	sule.tuzlukaya@atilim.edu.tr	PROPN
cjfa-33347	4	7	,	,	PUNCT
cjfa-33347	4	8	atılım	atılım	VERB
cjfa-33347	4	9	university	university	NOUN
cjfa-33347	4	10	,	,	PUNCT
cjfa-33347	4	11	faculty	faculty	NOUN
cjfa-33347	4	12	of	of	ADP
cjfa-33347	4	13	management	management	NOUN
cjfa-33347	4	14	,	,	PUNCT
cjfa-33347	4	15	department	department	NOUN
cjfa-33347	4	16	of	of	ADP
cjfa-33347	4	17	management	management	NOUN
cjfa-33347	4	18	,	,	PUNCT
cjfa-33347	4	19	incek	incek	NOUN
cjfa-33347	4	20	,	,	PUNCT
cjfa-33347	4	21	ankara	ankara	PROPN
cjfa-33347	4	22	,	,	PUNCT
cjfa-33347	4	23	turkey	turkey	PROPN
cjfa-33347	4	24	,	,	PUNCT
cjfa-33347	4	25	phone	phone	NOUN
cjfa-33347	4	26	:	:	PUNCT
cjfa-33347	4	27	+90	+90	NOUN
cjfa-33347	4	28	312	312	NUM
cjfa-33347	4	29	5868612	5868612	NUM
cjfa-33347	4	30	;	;	PUNCT
cjfa-33347	4	31	orcid	orcid	PROPN
cjfa-33347	5	1	i	i	NOUN
cjfa-33347	5	2	d	d	NOUN
cjfa-33347	5	3	:	:	PUNCT
cjfa-33347	5	4	https://orcid.org/0000-0001-8244-6396	https://orcid.org/0000-0001-8244-6396	PROPN
cjfa-33347	5	5	.	.	PUNCT
cjfa-33347	6	1	copernican	copernican	PROPN
cjfa-33347	6	2	journal	journal	PROPN
cjfa-33347	6	3	of	of	ADP
cjfa-33347	6	4	finance	finance	PROPN
cjfa-33347	6	5	&	&	CCONJ
cjfa-33347	6	6	accounting	accounting	PROPN
cjfa-33347	6	7	e	e	PROPN
cjfa-33347	6	8	-	-	PROPN
cjfa-33347	6	9	issn	issn	PROPN
cjfa-33347	6	10	2300	2300	NUM
cjfa-33347	6	11	-	-	SYM
cjfa-33347	6	12	3065	3065	NUM
cjfa-33347	6	13	p	p	PROPN
cjfa-33347	6	14	-	-	PUNCT
cjfa-33347	6	15	issn	issn	PROPN
cjfa-33347	6	16	2300	2300	NUM
cjfa-33347	6	17	-	-	SYM
cjfa-33347	6	18	12402020	12402020	NUM
cjfa-33347	6	19	,	,	PUNCT
cjfa-33347	6	20	volume	volume	NOUN
cjfa-33347	6	21	9	9	NUM
cjfa-33347	6	22	,	,	PUNCT
cjfa-33347	6	23	issue	issue	NOUN
cjfa-33347	6	24	3	3	NUM
cjfa-33347	6	25	purkayastha	purkayastha	NOUN
cjfa-33347	6	26	,	,	PUNCT
cjfa-33347	6	27	n.n	n.n	PROPN
cjfa-33347	6	28	.	.	PROPN
cjfa-33347	6	29	,	,	PUNCT
cjfa-33347	6	30	&	&	CCONJ
cjfa-33347	6	31	tuzlukaya	tuzlukaya	PROPN
cjfa-33347	6	32	,	,	PUNCT
cjfa-33347	6	33	ş.e	ş.e	PROPN
cjfa-33347	6	34	.	.	PROPN
cjfa-33347	6	35	(	(	PUNCT
cjfa-33347	6	36	2020	2020	NUM
cjfa-33347	6	37	)	)	PUNCT
cjfa-33347	6	38	.	.	PUNCT
cjfa-33347	7	1	determination	determination	NOUN
cjfa-33347	7	2	of	of	ADP
cjfa-33347	7	3	the	the	DET
cjfa-33347	7	4	benefits	benefit	NOUN
cjfa-33347	7	5	and	and	CCONJ
cjfa-33347	7	6	risks	risk	NOUN
cjfa-33347	7	7	of	of	ADP
cjfa-33347	7	8	peer	peer	NOUN
cjfa-33347	7	9	-	-	PUNCT
cjfa-33347	7	10	topeer	topeer	NOUN
cjfa-33347	7	11	(	(	PUNCT
cjfa-33347	7	12	p2p	p2p	NOUN
cjfa-33347	7	13	)	)	PUNCT
cjfa-33347	7	14	lending	lending	NOUN
cjfa-33347	7	15	:	:	PUNCT
cjfa-33347	7	16	a	a	DET
cjfa-33347	7	17	social	social	ADJ
cjfa-33347	7	18	network	network	NOUN
cjfa-33347	7	19	theory	theory	NOUN
cjfa-33347	7	20	approach	approach	NOUN
cjfa-33347	7	21	.	.	PUNCT
cjfa-33347	8	1	copernican	copernican	PROPN
cjfa-33347	8	2	journal	journal	PROPN
cjfa-33347	8	3	of	of	ADP
cjfa-33347	8	4	finance	finance	PROPN
cjfa-33347	8	5	&	&	CCONJ
cjfa-33347	8	6	accounting	accounting	PROPN
cjfa-33347	8	7	,	,	PUNCT
cjfa-33347	8	8	9(3	9(3	NUM
cjfa-33347	8	9	)	)	PUNCT
cjfa-33347	8	10	,	,	PUNCT
cjfa-33347	8	11	131–143	131–143	NUM
cjfa-33347	8	12	.	.	PUNCT
cjfa-33347	9	1	http://dx.doi.org/10.12775/cjfa.2020.016	http://dx.doi.org/10.12775/cjfa.2020.016	PROPN
cjfa-33347	9	2	nadia	nadia	PROPN
cjfa-33347	9	3	nahar	nahar	PROPN
cjfa-33347	9	4	purkayastha	purkayastha	PROPN
cjfa-33347	9	5	*	*	PROPN
cjfa-33347	9	6	atılım	atılım	VERB
cjfa-33347	9	7	university	university	NOUN
cjfa-33347	9	8	şule	şule	PROPN
cjfa-33347	9	9	erdem	erdem	PROPN
cjfa-33347	9	10	tuzlukaya	tuzlukaya	PROPN
cjfa-33347	9	11	*	*	PROPN
cjfa-33347	9	12	*	*	PROPN
cjfa-33347	9	13	atılım	atılım	VERB
cjfa-33347	9	14	university	university	NOUN
cjfa-33347	9	15	determination	determination	NOUN
cjfa-33347	9	16	of	of	ADP
cjfa-33347	9	17	the	the	DET
cjfa-33347	9	18	benefits	benefit	NOUN
cjfa-33347	9	19	and	and	CCONJ
cjfa-33347	9	20	risks	risk	NOUN
cjfa-33347	9	21	of	of	ADP
cjfa-33347	9	22	peer	peer	NOUN
cjfa-33347	9	23	-	-	PUNCT
cjfa-33347	9	24	to	to	ADP
cjfa-33347	9	25	-	-	PUNCT
cjfa-33347	9	26	peer	peer	NOUN
cjfa-33347	9	27	(	(	PUNCT
cjfa-33347	9	28	p2p	p2p	NOUN
cjfa-33347	9	29	)	)	PUNCT
cjfa-33347	9	30	lending	lending	NOUN
cjfa-33347	9	31	:	:	PUNCT
cjfa-33347	9	32	a	a	DET
cjfa-33347	9	33	social	social	ADJ
cjfa-33347	9	34	network	network	NOUN
cjfa-33347	9	35	theory	theory	NOUN
cjfa-33347	9	36	approach	approach	NOUN
cjfa-33347	9	37	keywords	keyword	NOUN
cjfa-33347	9	38	:	:	PUNCT
cjfa-33347	9	39	p2p	p2p	NOUN
cjfa-33347	9	40	,	,	PUNCT
cjfa-33347	9	41	social	social	ADJ
cjfa-33347	9	42	networks	network	NOUN
cjfa-33347	9	43	,	,	PUNCT
cjfa-33347	9	44	trust	trust	NOUN
cjfa-33347	9	45	,	,	PUNCT
cjfa-33347	9	46	perceived	perceive	VERB
cjfa-33347	9	47	risk	risk	NOUN
cjfa-33347	9	48	,	,	PUNCT
cjfa-33347	9	49	security	security	NOUN
cjfa-33347	9	50	,	,	PUNCT
cjfa-33347	9	51	developing	develop	VERB
cjfa-33347	9	52	country	country	NOUN
cjfa-33347	9	53	.	.	PUNCT
cjfa-33347	10	1	j	j	PROPN
cjfa-33347	10	2	e	e	PROPN
cjfa-33347	10	3	l	l	PROPN
cjfa-33347	10	4	classification	classification	NOUN
cjfa-33347	10	5	:	:	PUNCT
cjfa-33347	10	6	g21	g21	PROPN
cjfa-33347	10	7	,	,	PUNCT
cjfa-33347	10	8	g28	g28	NOUN
cjfa-33347	10	9	,	,	PUNCT
cjfa-33347	10	10	d85	d85	PROPN
cjfa-33347	10	11	,	,	PUNCT
cjfa-33347	10	12	l31	l31	NOUN
cjfa-33347	10	13	,	,	PUNCT
cjfa-33347	10	14	b55	b55	PROPN
cjfa-33347	10	15	.	.	PUNCT
cjfa-33347	11	1	abstract	abstract	ADJ
cjfa-33347	11	2	:	:	PUNCT
cjfa-33347	11	3	peer	peer	NOUN
cjfa-33347	11	4	-	-	PUNCT
cjfa-33347	11	5	to	to	ADP
cjfa-33347	11	6	-	-	PUNCT
cjfa-33347	11	7	peer	peer	NOUN
cjfa-33347	11	8	lending	lending	NOUN
cjfa-33347	11	9	which	which	PRON
cjfa-33347	11	10	is	be	AUX
cjfa-33347	11	11	also	also	ADV
cjfa-33347	11	12	known	know	VERB
cjfa-33347	11	13	as	as	ADP
cjfa-33347	11	14	p2p	p2p	NOUN
cjfa-33347	11	15	is	be	AUX
cjfa-33347	11	16	an	an	DET
cjfa-33347	11	17	online	online	ADJ
cjfa-33347	11	18	financial	financial	ADJ
cjfa-33347	11	19	investment	investment	NOUN
cjfa-33347	11	20	platform	platform	NOUN
cjfa-33347	11	21	where	where	SCONJ
cjfa-33347	11	22	individual	individual	ADJ
cjfa-33347	11	23	investors	investor	NOUN
cjfa-33347	11	24	finance	finance	NOUN
cjfa-33347	11	25	projects	project	NOUN
cjfa-33347	11	26	by	by	ADP
cjfa-33347	11	27	lending	lend	VERB
cjfa-33347	11	28	money	money	NOUN
cjfa-33347	11	29	to	to	ADP
cjfa-33347	11	30	individual	individual	ADJ
cjfa-33347	11	31	borrowers	borrower	NOUN
cjfa-33347	11	32	through	through	ADP
cjfa-33347	11	33	social	social	ADJ
cjfa-33347	11	34	networks	network	NOUN
cjfa-33347	11	35	.	.	PUNCT
cjfa-33347	12	1	p2p	p2p	NOUN
cjfa-33347	12	2	models	model	NOUN
cjfa-33347	12	3	usually	usually	ADV
cjfa-33347	12	4	contributing	contribute	VERB
cjfa-33347	12	5	to	to	ADP
cjfa-33347	12	6	less	less	ADV
cjfa-33347	12	7	privileged	privileged	ADJ
cjfa-33347	12	8	people	people	NOUN
cjfa-33347	12	9	especially	especially	ADV
cjfa-33347	12	10	entrepreneurs	entrepreneur	NOUN
cjfa-33347	12	11	and	and	CCONJ
cjfa-33347	12	12	frontier	frontier	NOUN
cjfa-33347	12	13	groups	group	NOUN
cjfa-33347	12	14	who	who	PRON
cjfa-33347	12	15	do	do	AUX
cjfa-33347	12	16	not	not	PART
cjfa-33347	12	17	have	have	VERB
cjfa-33347	12	18	access	access	NOUN
cjfa-33347	12	19	to	to	ADP
cjfa-33347	12	20	formal	formal	ADJ
cjfa-33347	12	21	financial	financial	ADJ
cjfa-33347	12	22	services	service	NOUN
cjfa-33347	12	23	.	.	PUNCT
cjfa-33347	13	1	however	however	ADV
cjfa-33347	13	2	,	,	PUNCT
cjfa-33347	13	3	due	due	ADP
cjfa-33347	13	4	to	to	ADP
cjfa-33347	13	5	the	the	DET
cjfa-33347	13	6	economic	economic	ADJ
cjfa-33347	13	7	conditions	condition	NOUN
cjfa-33347	13	8	and	and	CCONJ
cjfa-33347	13	9	lack	lack	NOUN
cjfa-33347	13	10	of	of	ADP
cjfa-33347	13	11	government	government	NOUN
cjfa-33347	13	12	support	support	NOUN
cjfa-33347	13	13	,	,	PUNCT
cjfa-33347	13	14	p2p	p2p	NOUN
cjfa-33347	13	15	lending	lending	NOUN
cjfa-33347	13	16	platforms	platform	NOUN
cjfa-33347	13	17	in	in	ADP
cjfa-33347	13	18	developing	develop	VERB
cjfa-33347	13	19	countries	country	NOUN
cjfa-33347	13	20	often	often	ADV
cjfa-33347	13	21	fail	fail	VERB
cjfa-33347	13	22	to	to	PART
cjfa-33347	13	23	reveal	reveal	VERB
cjfa-33347	13	24	the	the	DET
cjfa-33347	13	25	‘	'	PUNCT
cjfa-33347	13	26	credit	credit	NOUN
cjfa-33347	13	27	history	history	NOUN
cjfa-33347	13	28	’	'	PUNCT
cjfa-33347	13	29	and	and	CCONJ
cjfa-33347	13	30	‘	'	PUNCT
cjfa-33347	13	31	indebtedness	indebtedness	NOUN
cjfa-33347	13	32	’	'	PUNCT
cjfa-33347	13	33	of	of	ADP
cjfa-33347	13	34	individual	individual	ADJ
cjfa-33347	13	35	borrowers	borrower	NOUN
cjfa-33347	13	36	which	which	PRON
cjfa-33347	13	37	have	have	VERB
cjfa-33347	13	38	an	an	DET
cjfa-33347	13	39	expressive	expressive	ADJ
cjfa-33347	13	40	impact	impact	NOUN
cjfa-33347	13	41	on	on	ADP
cjfa-33347	13	42	loan	loan	NOUN
cjfa-33347	13	43	performance	performance	NOUN
cjfa-33347	13	44	.	.	PUNCT
cjfa-33347	14	1	the	the	DET
cjfa-33347	14	2	objective	objective	NOUN
cjfa-33347	14	3	of	of	ADP
cjfa-33347	14	4	this	this	DET
cjfa-33347	14	5	study	study	NOUN
cjfa-33347	14	6	is	be	AUX
cjfa-33347	14	7	to	to	PART
cjfa-33347	14	8	demonstrate	demonstrate	VERB
cjfa-33347	14	9	theoretically	theoretically	ADV
cjfa-33347	14	10	the	the	DET
cjfa-33347	14	11	factors	factor	NOUN
cjfa-33347	14	12	those	those	DET
cjfa-33347	14	13	influence	influence	NOUN
cjfa-33347	14	14	the	the	DET
cjfa-33347	14	15	lenders	lender	NOUN
cjfa-33347	14	16	to	to	PART
cjfa-33347	14	17	participate	participate	VERB
cjfa-33347	14	18	in	in	ADP
cjfa-33347	14	19	the	the	DET
cjfa-33347	14	20	p2p	p2p	NOUN
cjfa-33347	14	21	lending	lending	NOUN
cjfa-33347	14	22	platform	platform	NOUN
cjfa-33347	14	23	in	in	ADP
cjfa-33347	14	24	nadia	nadia	PROPN
cjfa-33347	14	25	nahar	nahar	PROPN
cjfa-33347	14	26	purkayastha	purkayastha	PROPN
cjfa-33347	14	27	,	,	PUNCT
cjfa-33347	14	28	şule	şule	ADJ
cjfa-33347	14	29	erdem	erdem	PROPN
cjfa-33347	14	30	tuzlukaya132	tuzlukaya132	PROPN
cjfa-33347	14	31	developing	develop	VERB
cjfa-33347	14	32	countries	country	NOUN
cjfa-33347	14	33	and	and	CCONJ
cjfa-33347	14	34	the	the	DET
cjfa-33347	14	35	associated	associated	ADJ
cjfa-33347	14	36	risks	risk	NOUN
cjfa-33347	14	37	.	.	PUNCT
cjfa-33347	15	1	for	for	ADP
cjfa-33347	15	2	this	this	DET
cjfa-33347	15	3	purpose	purpose	NOUN
cjfa-33347	15	4	,	,	PUNCT
cjfa-33347	15	5	two	two	NUM
cjfa-33347	15	6	propositions	proposition	NOUN
cjfa-33347	15	7	are	be	AUX
cjfa-33347	15	8	developed	develop	VERB
cjfa-33347	15	9	to	to	PART
cjfa-33347	15	10	examine	examine	VERB
cjfa-33347	15	11	the	the	DET
cjfa-33347	15	12	factors	factor	NOUN
cjfa-33347	15	13	to	to	PART
cjfa-33347	15	14	demonstrate	demonstrate	VERB
cjfa-33347	15	15	the	the	DET
cjfa-33347	15	16	role	role	NOUN
cjfa-33347	15	17	of	of	ADP
cjfa-33347	15	18	the	the	DET
cjfa-33347	15	19	social	social	ADJ
cjfa-33347	15	20	network	network	NOUN
cjfa-33347	15	21	is	be	AUX
cjfa-33347	15	22	also	also	ADV
cjfa-33347	15	23	combined	combine	VERB
cjfa-33347	15	24	to	to	PART
cjfa-33347	15	25	further	far	ADV
cjfa-33347	15	26	explain	explain	VERB
cjfa-33347	15	27	the	the	DET
cjfa-33347	15	28	p2p	p2p	NOUN
cjfa-33347	15	29	lending	lending	NOUN
cjfa-33347	15	30	.	.	PUNCT
cjfa-33347	15	31	 	 	SPACE
cjfa-33347	16	1	introduction	introduction	NOUN
cjfa-33347	16	2	peer	peer	NOUN
cjfa-33347	16	3	-	-	PUNCT
cjfa-33347	16	4	to	to	ADP
cjfa-33347	16	5	-	-	PUNCT
cjfa-33347	16	6	peer	peer	NOUN
cjfa-33347	16	7	(	(	PUNCT
cjfa-33347	16	8	p2p	p2p	NOUN
cjfa-33347	16	9	)	)	PUNCT
cjfa-33347	16	10	lending	lending	NOUN
cjfa-33347	16	11	is	be	AUX
cjfa-33347	16	12	a	a	DET
cjfa-33347	16	13	type	type	NOUN
cjfa-33347	16	14	of	of	ADP
cjfa-33347	16	15	online	online	ADJ
cjfa-33347	16	16	financial	financial	ADJ
cjfa-33347	16	17	investment	investment	NOUN
cjfa-33347	16	18	platform	platform	NOUN
cjfa-33347	16	19	where	where	SCONJ
cjfa-33347	16	20	individual	individual	ADJ
cjfa-33347	16	21	investors	investor	NOUN
cjfa-33347	16	22	finance	finance	NOUN
cjfa-33347	16	23	projects	project	NOUN
cjfa-33347	16	24	by	by	ADP
cjfa-33347	16	25	lending	lend	VERB
cjfa-33347	16	26	money	money	NOUN
cjfa-33347	16	27	to	to	ADP
cjfa-33347	16	28	projects	project	NOUN
cjfa-33347	16	29	or	or	CCONJ
cjfa-33347	16	30	such	such	ADJ
cjfa-33347	16	31	individual	individual	ADJ
cjfa-33347	16	32	borrowers	borrower	NOUN
cjfa-33347	16	33	as	as	ADP
cjfa-33347	16	34	entrepreneurs	entrepreneur	NOUN
cjfa-33347	16	35	(	(	PUNCT
cjfa-33347	16	36	du	du	PROPN
cjfa-33347	16	37	,	,	PUNCT
cjfa-33347	16	38	li	li	PROPN
cjfa-33347	16	39	,	,	PUNCT
cjfa-33347	16	40	lu	lu	PROPN
cjfa-33347	16	41	&	&	CCONJ
cjfa-33347	16	42	lu	lu	PROPN
cjfa-33347	16	43	,	,	PUNCT
cjfa-33347	16	44	2020	2020	NUM
cjfa-33347	16	45	;	;	PUNCT
cjfa-33347	16	46	ariza	ariza	PROPN
cjfa-33347	16	47	,	,	PUNCT
cjfa-33347	16	48	arroyo	arroyo	PROPN
cjfa-33347	16	49	,	,	PUNCT
cjfa-33347	16	50	caparrini	caparrini	PROPN
cjfa-33347	16	51	&	&	CCONJ
cjfa-33347	16	52	segovia	segovia	PROPN
cjfa-33347	16	53	,	,	PUNCT
cjfa-33347	16	54	2020	2020	NUM
cjfa-33347	16	55	;	;	PUNCT
cjfa-33347	16	56	balyuk	balyuk	NOUN
cjfa-33347	16	57	,	,	PUNCT
cjfa-33347	16	58	2019	2019	NUM
cjfa-33347	16	59	)	)	PUNCT
cjfa-33347	16	60	.	.	PUNCT
cjfa-33347	17	1	internet	internet	NOUN
cjfa-33347	17	2	-	-	PUNCT
cjfa-33347	17	3	based	base	VERB
cjfa-33347	17	4	p2p	p2p	NOUN
cjfa-33347	17	5	lending	lending	NOUN
cjfa-33347	17	6	,	,	PUNCT
cjfa-33347	17	7	empowers	empower	VERB
cjfa-33347	17	8	individuals	individual	NOUN
cjfa-33347	17	9	to	to	PART
cjfa-33347	17	10	acquire	acquire	VERB
cjfa-33347	17	11	loans	loan	NOUN
cjfa-33347	17	12	directly	directly	ADV
cjfa-33347	17	13	from	from	ADP
cjfa-33347	17	14	other	other	ADJ
cjfa-33347	17	15	individuals	individual	NOUN
cjfa-33347	17	16	,	,	PUNCT
cjfa-33347	17	17	therefore	therefore	ADV
cjfa-33347	17	18	may	may	AUX
cjfa-33347	17	19	eliminate	eliminate	VERB
cjfa-33347	17	20	the	the	DET
cjfa-33347	17	21	financial	financial	ADJ
cjfa-33347	17	22	institution	institution	NOUN
cjfa-33347	17	23	as	as	ADP
cjfa-33347	17	24	the	the	DET
cjfa-33347	17	25	intermediary	intermediary	NOUN
cjfa-33347	17	26	thus	thus	ADV
cjfa-33347	17	27	,	,	PUNCT
cjfa-33347	17	28	offer	offer	VERB
cjfa-33347	17	29	larger	large	ADJ
cjfa-33347	17	30	admittance	admittance	NOUN
cjfa-33347	17	31	to	to	ADP
cjfa-33347	17	32	credit	credit	NOUN
cjfa-33347	17	33	opportunity	opportunity	NOUN
cjfa-33347	17	34	at	at	ADP
cjfa-33347	17	35	a	a	DET
cjfa-33347	17	36	lower	low	ADJ
cjfa-33347	17	37	cost	cost	NOUN
cjfa-33347	17	38	.	.	PUNCT
cjfa-33347	18	1	in	in	ADP
cjfa-33347	18	2	the	the	DET
cjfa-33347	18	3	case	case	NOUN
cjfa-33347	18	4	of	of	ADP
cjfa-33347	18	5	small	small	ADJ
cjfa-33347	18	6	and	and	CCONJ
cjfa-33347	18	7	medium	medium	ADJ
cjfa-33347	18	8	-	-	PUNCT
cjfa-33347	18	9	sized	sized	ADJ
cjfa-33347	18	10	enterprises	enterprise	NOUN
cjfa-33347	18	11	(	(	PUNCT
cjfa-33347	18	12	smes	sme	NOUN
cjfa-33347	18	13	)	)	PUNCT
cjfa-33347	18	14	,	,	PUNCT
cjfa-33347	18	15	such	such	ADJ
cjfa-33347	18	16	web	web	NOUN
cjfa-33347	18	17	-	-	PUNCT
cjfa-33347	18	18	based	base	VERB
cjfa-33347	18	19	emerging	emerge	VERB
cjfa-33347	18	20	lending	lending	NOUN
cjfa-33347	18	21	platforms	platform	NOUN
cjfa-33347	18	22	assist	assist	VERB
cjfa-33347	18	23	microfinance	microfinance	NOUN
cjfa-33347	18	24	as	as	ADP
cjfa-33347	18	25	an	an	DET
cjfa-33347	18	26	alternative	alternative	ADJ
cjfa-33347	18	27	method	method	NOUN
cjfa-33347	18	28	of	of	ADP
cjfa-33347	18	29	financing	financing	NOUN
cjfa-33347	18	30	or	or	CCONJ
cjfa-33347	18	31	investing	investing	NOUN
cjfa-33347	18	32	(	(	PUNCT
cjfa-33347	18	33	chen	chen	PROPN
cjfa-33347	18	34	,	,	PUNCT
cjfa-33347	18	35	chong	chong	PROPN
cjfa-33347	18	36	&	&	CCONJ
cjfa-33347	18	37	giudici	giudici	PROPN
cjfa-33347	18	38	,	,	PUNCT
cjfa-33347	18	39	2020	2020	NUM
cjfa-33347	18	40	;	;	PUNCT
cjfa-33347	18	41	paravisini	paravisini	NOUN
cjfa-33347	18	42	,	,	PUNCT
cjfa-33347	18	43	rappoport	rappoport	NOUN
cjfa-33347	18	44	&	&	CCONJ
cjfa-33347	18	45	ravina	ravina	PROPN
cjfa-33347	18	46	,	,	PUNCT
cjfa-33347	18	47	2017	2017	NUM
cjfa-33347	18	48	;	;	PUNCT
cjfa-33347	18	49	iyer	iyer	PROPN
cjfa-33347	18	50	,	,	PUNCT
cjfa-33347	18	51	khwaja	khwaja	PROPN
cjfa-33347	18	52	,	,	PUNCT
cjfa-33347	18	53	luttmer	luttmer	PROPN
cjfa-33347	18	54	&	&	CCONJ
cjfa-33347	18	55	shue	shue	PROPN
cjfa-33347	18	56	,	,	PUNCT
cjfa-33347	18	57	2016	2016	NUM
cjfa-33347	18	58	)	)	PUNCT
cjfa-33347	18	59	.	.	PUNCT
cjfa-33347	19	1	through	through	ADP
cjfa-33347	19	2	the	the	DET
cjfa-33347	19	3	p2p	p2p	NOUN
cjfa-33347	19	4	lending	lending	NOUN
cjfa-33347	19	5	platform	platform	NOUN
cjfa-33347	19	6	interested	interested	ADJ
cjfa-33347	19	7	borrowers	borrower	NOUN
cjfa-33347	19	8	can	can	AUX
cjfa-33347	19	9	place	place	VERB
cjfa-33347	19	10	a	a	DET
cjfa-33347	19	11	request	request	NOUN
cjfa-33347	19	12	for	for	ADP
cjfa-33347	19	13	loans	loan	NOUN
cjfa-33347	19	14	to	to	ADP
cjfa-33347	19	15	the	the	DET
cjfa-33347	19	16	web	web	NOUN
cjfa-33347	19	17	-	-	PUNCT
cjfa-33347	19	18	based	base	VERB
cjfa-33347	19	19	platform	platform	NOUN
cjfa-33347	19	20	and	and	CCONJ
cjfa-33347	19	21	they	they	PRON
cjfa-33347	19	22	can	can	AUX
cjfa-33347	19	23	be	be	AUX
cjfa-33347	19	24	founded	found	VERB
cjfa-33347	19	25	by	by	ADP
cjfa-33347	19	26	exclusive	exclusive	ADJ
cjfa-33347	19	27	lenders	lender	NOUN
cjfa-33347	19	28	directly	directly	ADV
cjfa-33347	19	29	or	or	CCONJ
cjfa-33347	19	30	indirectly	indirectly	ADV
cjfa-33347	19	31	(	(	PUNCT
cjfa-33347	19	32	everett	everett	PROPN
cjfa-33347	19	33	,	,	PUNCT
cjfa-33347	19	34	2019	2019	NUM
cjfa-33347	19	35	;	;	PUNCT
cjfa-33347	19	36	bachmann	bachmann	PROPN
cjfa-33347	19	37	,	,	PUNCT
cjfa-33347	19	38	becker	becker	PROPN
cjfa-33347	19	39	,	,	PUNCT
cjfa-33347	19	40	buerckner	buerckner	NOUN
cjfa-33347	19	41	,	,	PUNCT
cjfa-33347	19	42	hilker	hilker	NOUN
cjfa-33347	19	43	,	,	PUNCT
cjfa-33347	19	44	kock	kock	PROPN
cjfa-33347	19	45	,	,	PUNCT
cjfa-33347	19	46	lehmann	lehmann	PROPN
cjfa-33347	19	47	,	,	PUNCT
cjfa-33347	19	48	tiburtius	tiburtius	NOUN
cjfa-33347	19	49	&	&	CCONJ
cjfa-33347	19	50	funk	funk	NOUN
cjfa-33347	19	51	,	,	PUNCT
cjfa-33347	19	52	2011	2011	NUM
cjfa-33347	19	53	)	)	PUNCT
cjfa-33347	19	54	.	.	PUNCT
cjfa-33347	20	1	although	although	SCONJ
cjfa-33347	20	2	without	without	ADP
cjfa-33347	20	3	the	the	DET
cjfa-33347	20	4	existence	existence	NOUN
cjfa-33347	20	5	of	of	ADP
cjfa-33347	20	6	mediators	mediator	NOUN
cjfa-33347	20	7	it	it	PRON
cjfa-33347	20	8	is	be	AUX
cjfa-33347	20	9	very	very	ADV
cjfa-33347	20	10	difficult	difficult	ADJ
cjfa-33347	20	11	for	for	SCONJ
cjfa-33347	20	12	p2p	p2p	NOUN
cjfa-33347	20	13	platforms	platform	NOUN
cjfa-33347	20	14	to	to	PART
cjfa-33347	20	15	obtain	obtain	VERB
cjfa-33347	20	16	credit	credit	NOUN
cjfa-33347	20	17	history	history	NOUN
cjfa-33347	20	18	to	to	PART
cjfa-33347	20	19	determine	determine	VERB
cjfa-33347	20	20	the	the	DET
cjfa-33347	20	21	risk	risk	NOUN
cjfa-33347	20	22	of	of	ADP
cjfa-33347	20	23	default	default	NOUN
cjfa-33347	20	24	of	of	ADP
cjfa-33347	20	25	the	the	DET
cjfa-33347	20	26	borrowers	borrower	NOUN
cjfa-33347	20	27	and	and	CCONJ
cjfa-33347	20	28	the	the	DET
cjfa-33347	20	29	transparency	transparency	NOUN
cjfa-33347	20	30	of	of	ADP
cjfa-33347	20	31	the	the	DET
cjfa-33347	20	32	investment	investment	NOUN
cjfa-33347	20	33	for	for	ADP
cjfa-33347	20	34	creditors	creditor	NOUN
cjfa-33347	20	35	.	.	PUNCT
cjfa-33347	21	1	to	to	PART
cjfa-33347	21	2	reduce	reduce	VERB
cjfa-33347	21	3	the	the	DET
cjfa-33347	21	4	risk	risk	NOUN
cjfa-33347	21	5	of	of	ADP
cjfa-33347	21	6	credit	credit	NOUN
cjfa-33347	21	7	default	default	NOUN
cjfa-33347	21	8	p2p	p2p	NOUN
cjfa-33347	21	9	platform	platform	NOUN
cjfa-33347	21	10	usually	usually	ADV
cjfa-33347	21	11	offers	offer	VERB
cjfa-33347	21	12	loans	loan	NOUN
cjfa-33347	21	13	to	to	ADP
cjfa-33347	21	14	emerging	emerge	VERB
cjfa-33347	21	15	marketplaces	marketplace	NOUN
cjfa-33347	21	16	by	by	ADP
cjfa-33347	21	17	linking	link	VERB
cjfa-33347	21	18	interested	interested	ADJ
cjfa-33347	21	19	borrowers	borrower	NOUN
cjfa-33347	21	20	and	and	CCONJ
cjfa-33347	21	21	lenders	lender	NOUN
cjfa-33347	21	22	via	via	ADP
cjfa-33347	21	23	social	social	ADJ
cjfa-33347	21	24	networks	network	NOUN
cjfa-33347	21	25	.	.	PUNCT
cjfa-33347	22	1	urena	urena	PROPN
cjfa-33347	22	2	,	,	PUNCT
cjfa-33347	22	3	kou	kou	PROPN
cjfa-33347	22	4	,	,	PUNCT
cjfa-33347	22	5	dong	dong	PROPN
cjfa-33347	22	6	,	,	PUNCT
cjfa-33347	22	7	chiclana	chiclana	PROPN
cjfa-33347	22	8	,	,	PUNCT
cjfa-33347	22	9	and	and	CCONJ
cjfa-33347	22	10	herrera	herrera	NOUN
cjfa-33347	22	11	-	-	PUNCT
cjfa-33347	22	12	viedma	viedma	NOUN
cjfa-33347	22	13	(	(	PUNCT
cjfa-33347	22	14	2019	2019	NUM
cjfa-33347	22	15	)	)	PUNCT
cjfa-33347	22	16	demarcated	demarcate	VERB
cjfa-33347	22	17	social	social	ADJ
cjfa-33347	22	18	networks	network	NOUN
cjfa-33347	22	19	as	as	ADP
cjfa-33347	22	20	a	a	DET
cjfa-33347	22	21	platform	platform	NOUN
cjfa-33347	22	22	of	of	ADP
cjfa-33347	22	23	virtual	virtual	ADJ
cjfa-33347	22	24	interactions	interaction	NOUN
cjfa-33347	22	25	between	between	ADP
cjfa-33347	22	26	people	people	NOUN
cjfa-33347	22	27	and	and	CCONJ
cjfa-33347	22	28	services	service	NOUN
cjfa-33347	22	29	without	without	ADP
cjfa-33347	22	30	any	any	DET
cjfa-33347	22	31	previous	previous	ADJ
cjfa-33347	22	32	real	real	ADJ
cjfa-33347	22	33	-	-	PUNCT
cjfa-33347	22	34	world	world	NOUN
cjfa-33347	22	35	relationship	relationship	NOUN
cjfa-33347	22	36	and	and	CCONJ
cjfa-33347	22	37	interact	interact	VERB
cjfa-33347	22	38	sharing	share	VERB
cjfa-33347	22	39	different	different	ADJ
cjfa-33347	22	40	kinds	kind	NOUN
cjfa-33347	22	41	of	of	ADP
cjfa-33347	22	42	information	information	NOUN
cjfa-33347	22	43	with	with	ADP
cjfa-33347	22	44	the	the	DET
cjfa-33347	22	45	purpose	purpose	NOUN
cjfa-33347	22	46	of	of	ADP
cjfa-33347	22	47	friendship	friendship	NOUN
cjfa-33347	22	48	,	,	PUNCT
cjfa-33347	22	49	marketing	marketing	NOUN
cjfa-33347	22	50	or	or	CCONJ
cjfa-33347	22	51	business	business	NOUN
cjfa-33347	22	52	exchange	exchange	NOUN
cjfa-33347	22	53	.	.	PUNCT
cjfa-33347	23	1	despite	despite	SCONJ
cjfa-33347	23	2	the	the	DET
cjfa-33347	23	3	clear	clear	ADJ
cjfa-33347	23	4	objective	objective	NOUN
cjfa-33347	23	5	of	of	ADP
cjfa-33347	23	6	p2p	p2p	NOUN
cjfa-33347	23	7	,	,	PUNCT
cjfa-33347	23	8	it	it	PRON
cjfa-33347	23	9	has	have	AUX
cjfa-33347	23	10	created	create	VERB
cjfa-33347	23	11	some	some	DET
cjfa-33347	23	12	issues	issue	NOUN
cjfa-33347	23	13	for	for	ADP
cjfa-33347	23	14	investors	investor	NOUN
cjfa-33347	23	15	such	such	ADJ
cjfa-33347	23	16	as	as	ADP
cjfa-33347	23	17	information	information	NOUN
cjfa-33347	23	18	asymmetry	asymmetry	NOUN
cjfa-33347	23	19	,	,	PUNCT
cjfa-33347	23	20	inadequate	inadequate	ADJ
cjfa-33347	23	21	credit	credit	NOUN
cjfa-33347	23	22	assessment	assessment	NOUN
cjfa-33347	23	23	,	,	PUNCT
cjfa-33347	23	24	and	and	CCONJ
cjfa-33347	23	25	potential	potential	ADJ
cjfa-33347	23	26	high	high	ADJ
cjfa-33347	23	27	default	default	NOUN
cjfa-33347	23	28	risk	risk	NOUN
cjfa-33347	23	29	,	,	PUNCT
cjfa-33347	23	30	which	which	PRON
cjfa-33347	23	31	might	might	AUX
cjfa-33347	23	32	have	have	VERB
cjfa-33347	23	33	an	an	DET
cjfa-33347	23	34	impact	impact	NOUN
cjfa-33347	23	35	on	on	ADP
cjfa-33347	23	36	investors	investor	NOUN
cjfa-33347	23	37	’	’	PART
cjfa-33347	23	38	intention	intention	NOUN
cjfa-33347	23	39	to	to	PART
cjfa-33347	23	40	invest	invest	VERB
cjfa-33347	23	41	in	in	ADP
cjfa-33347	23	42	p2p	p2p	NOUN
cjfa-33347	23	43	.	.	PUNCT
cjfa-33347	24	1	furthermore	furthermore	ADV
cjfa-33347	24	2	,	,	PUNCT
cjfa-33347	24	3	risk	risk	NOUN
cjfa-33347	24	4	assessment	assessment	NOUN
cjfa-33347	24	5	on	on	ADP
cjfa-33347	24	6	loan	loan	NOUN
cjfa-33347	24	7	is	be	AUX
cjfa-33347	24	8	even	even	ADV
cjfa-33347	24	9	more	more	ADV
cjfa-33347	24	10	difficult	difficult	ADJ
cjfa-33347	24	11	in	in	ADP
cjfa-33347	24	12	developing	develop	VERB
cjfa-33347	24	13	countries	country	NOUN
cjfa-33347	24	14	,	,	PUNCT
cjfa-33347	24	15	due	due	ADP
cjfa-33347	24	16	to	to	ADP
cjfa-33347	24	17	the	the	DET
cjfa-33347	24	18	economic	economic	ADJ
cjfa-33347	24	19	environment	environment	NOUN
cjfa-33347	24	20	,	,	PUNCT
cjfa-33347	24	21	lack	lack	NOUN
cjfa-33347	24	22	of	of	ADP
cjfa-33347	24	23	government	government	NOUN
cjfa-33347	24	24	regulations	regulation	NOUN
cjfa-33347	24	25	,	,	PUNCT
cjfa-33347	24	26	information	information	NOUN
cjfa-33347	24	27	asymmetries	asymmetry	NOUN
cjfa-33347	24	28	and	and	CCONJ
cjfa-33347	24	29	technological	technological	ADJ
cjfa-33347	24	30	awareness	awareness	NOUN
cjfa-33347	24	31	among	among	ADP
cjfa-33347	24	32	investors	investor	NOUN
cjfa-33347	24	33	and	and	CCONJ
cjfa-33347	24	34	borrowers	borrower	NOUN
cjfa-33347	24	35	(	(	PUNCT
cjfa-33347	24	36	dorfleitner	dorfleitner	NOUN
cjfa-33347	24	37	,	,	PUNCT
cjfa-33347	24	38	oswald	oswald	PROPN
cjfa-33347	24	39	&	&	CCONJ
cjfa-33347	24	40	zhang	zhang	PROPN
cjfa-33347	24	41	,	,	PUNCT
cjfa-33347	24	42	2019	2019	NUM
cjfa-33347	24	43	)	)	PUNCT
cjfa-33347	24	44	.	.	PUNCT
cjfa-33347	25	1	inadequate	inadequate	ADJ
cjfa-33347	25	2	credit	credit	NOUN
cjfa-33347	25	3	history	history	NOUN
cjfa-33347	25	4	limits	limit	VERB
cjfa-33347	25	5	the	the	DET
cjfa-33347	25	6	opportunity	opportunity	NOUN
cjfa-33347	25	7	to	to	PART
cjfa-33347	25	8	distinguish	distinguish	VERB
cjfa-33347	25	9	high	high	ADJ
cjfa-33347	25	10	-	-	PUNCT
cjfa-33347	25	11	risk	risk	NOUN
cjfa-33347	25	12	borrowers	borrower	NOUN
cjfa-33347	25	13	from	from	ADP
cjfa-33347	25	14	reliable	reliable	ADJ
cjfa-33347	25	15	ones	one	NOUN
cjfa-33347	25	16	or	or	CCONJ
cjfa-33347	25	17	determination	determination	NOUN
cjfa-33347	25	18	of	of	ADP
cjfa-33347	25	19	the	the	DET
cjfa-33347	25	20	benefits	benefit	NOUN
cjfa-33347	25	21	and	and	CCONJ
cjfa-33347	25	22	risks	risk	NOUN
cjfa-33347	25	23	of	of	ADP
cjfa-33347	25	24	peer	peer	NOUN
cjfa-33347	25	25	-	-	PUNCT
cjfa-33347	25	26	to	to	ADP
cjfa-33347	25	27	-	-	PUNCT
cjfa-33347	25	28	peer	peer	NOUN
cjfa-33347	25	29	…	…	PUNCT
cjfa-33347	25	30	133	133	NUM
cjfa-33347	25	31	individual	individual	ADJ
cjfa-33347	25	32	entrepreneurs	entrepreneur	NOUN
cjfa-33347	25	33	with	with	ADP
cjfa-33347	25	34	lower	low	ADJ
cjfa-33347	25	35	credit	credit	NOUN
cjfa-33347	25	36	risk	risk	NOUN
cjfa-33347	25	37	(	(	PUNCT
cjfa-33347	25	38	jenq	jenq	NOUN
cjfa-33347	25	39	,	,	PUNCT
cjfa-33347	25	40	pan	pan	PROPN
cjfa-33347	25	41	&	&	CCONJ
cjfa-33347	25	42	theseira	theseira	PROPN
cjfa-33347	25	43	,	,	PUNCT
cjfa-33347	25	44	2012	2012	NUM
cjfa-33347	25	45	)	)	PUNCT
cjfa-33347	25	46	.	.	PUNCT
cjfa-33347	26	1	those	those	DET
cjfa-33347	26	2	credit	credit	NOUN
cjfa-33347	26	3	risks	risk	NOUN
cjfa-33347	26	4	and	and	CCONJ
cjfa-33347	26	5	information	information	NOUN
cjfa-33347	26	6	asymmetries	asymmetry	NOUN
cjfa-33347	26	7	can	can	AUX
cjfa-33347	26	8	be	be	AUX
cjfa-33347	26	9	minimized	minimize	VERB
cjfa-33347	26	10	by	by	ADP
cjfa-33347	26	11	collecting	collect	VERB
cjfa-33347	26	12	financial	financial	ADJ
cjfa-33347	26	13	information	information	NOUN
cjfa-33347	26	14	through	through	ADP
cjfa-33347	26	15	social	social	ADJ
cjfa-33347	26	16	networks	network	NOUN
cjfa-33347	26	17	.	.	PUNCT
cjfa-33347	27	1	but	but	CCONJ
cjfa-33347	27	2	using	use	VERB
cjfa-33347	27	3	social	social	ADJ
cjfa-33347	27	4	networks	network	NOUN
cjfa-33347	27	5	also	also	ADV
cjfa-33347	27	6	raises	raise	VERB
cjfa-33347	27	7	a	a	DET
cjfa-33347	27	8	critical	critical	ADJ
cjfa-33347	27	9	question	question	NOUN
cjfa-33347	27	10	for	for	ADP
cjfa-33347	27	11	investors	investor	NOUN
cjfa-33347	27	12	/	/	SYM
cjfa-33347	27	13	creditors	creditor	NOUN
cjfa-33347	27	14	,	,	PUNCT
cjfa-33347	27	15	“	"	PUNCT
cjfa-33347	27	16	how	how	SCONJ
cjfa-33347	27	17	creditors	creditor	NOUN
cjfa-33347	27	18	can	can	AUX
cjfa-33347	27	19	gain	gain	VERB
cjfa-33347	27	20	much	much	ADV
cjfa-33347	27	21	-	-	PUNCT
cjfa-33347	27	22	needed	need	VERB
cjfa-33347	27	23	transparency	transparency	NOUN
cjfa-33347	27	24	on	on	ADP
cjfa-33347	27	25	their	their	PRON
cjfa-33347	27	26	investment	investment	NOUN
cjfa-33347	27	27	by	by	ADP
cjfa-33347	27	28	using	use	VERB
cjfa-33347	27	29	social	social	ADJ
cjfa-33347	27	30	networks	network	NOUN
cjfa-33347	27	31	”	"	PUNCT
cjfa-33347	27	32	?	?	PUNCT
cjfa-33347	28	1	in	in	ADP
cjfa-33347	28	2	light	light	NOUN
cjfa-33347	28	3	of	of	ADP
cjfa-33347	28	4	the	the	DET
cjfa-33347	28	5	foregoing	foregoing	NOUN
cjfa-33347	28	6	,	,	PUNCT
cjfa-33347	28	7	the	the	DET
cjfa-33347	28	8	problem	problem	NOUN
cjfa-33347	28	9	statement	statement	NOUN
cjfa-33347	28	10	for	for	ADP
cjfa-33347	28	11	this	this	DET
cjfa-33347	28	12	study	study	NOUN
cjfa-33347	28	13	is	be	AUX
cjfa-33347	28	14	that	that	SCONJ
cjfa-33347	28	15	the	the	DET
cjfa-33347	28	16	lenders	lender	NOUN
cjfa-33347	28	17	from	from	ADP
cjfa-33347	28	18	developing	develop	VERB
cjfa-33347	28	19	countries	country	NOUN
cjfa-33347	28	20	faces	face	VERB
cjfa-33347	28	21	a	a	DET
cjfa-33347	28	22	critical	critical	ADJ
cjfa-33347	28	23	challenge	challenge	NOUN
cjfa-33347	28	24	where	where	SCONJ
cjfa-33347	28	25	both	both	CCONJ
cjfa-33347	28	26	the	the	DET
cjfa-33347	28	27	p2p	p2p	NOUN
cjfa-33347	28	28	platforms	platform	NOUN
cjfa-33347	28	29	and	and	CCONJ
cjfa-33347	28	30	their	their	PRON
cjfa-33347	28	31	service	service	NOUN
cjfa-33347	28	32	tools	tool	NOUN
cjfa-33347	28	33	or	or	CCONJ
cjfa-33347	28	34	agents	agent	NOUN
cjfa-33347	28	35	are	be	AUX
cjfa-33347	28	36	not	not	PART
cjfa-33347	28	37	regulated	regulate	VERB
cjfa-33347	28	38	by	by	ADP
cjfa-33347	28	39	the	the	DET
cjfa-33347	28	40	government	government	NOUN
cjfa-33347	28	41	or	or	CCONJ
cjfa-33347	28	42	protected	protect	VERB
cjfa-33347	28	43	by	by	ADP
cjfa-33347	28	44	government	government	NOUN
cjfa-33347	28	45	agencies	agency	NOUN
cjfa-33347	28	46	.	.	PUNCT
cjfa-33347	29	1	as	as	ADP
cjfa-33347	29	2	a	a	DET
cjfa-33347	29	3	result	result	NOUN
cjfa-33347	29	4	,	,	PUNCT
cjfa-33347	29	5	lenders	lender	NOUN
cjfa-33347	29	6	and	and	CCONJ
cjfa-33347	29	7	borrowers	borrower	NOUN
cjfa-33347	29	8	may	may	AUX
cjfa-33347	29	9	feel	feel	VERB
cjfa-33347	29	10	insecure	insecure	ADJ
cjfa-33347	29	11	.	.	PUNCT
cjfa-33347	30	1	hence	hence	ADV
cjfa-33347	30	2	,	,	PUNCT
cjfa-33347	30	3	the	the	DET
cjfa-33347	30	4	aim	aim	NOUN
cjfa-33347	30	5	of	of	ADP
cjfa-33347	30	6	this	this	DET
cjfa-33347	30	7	study	study	NOUN
cjfa-33347	30	8	is	be	AUX
cjfa-33347	30	9	to	to	PART
cjfa-33347	30	10	demonstrate	demonstrate	VERB
cjfa-33347	30	11	theoretically	theoretically	ADV
cjfa-33347	30	12	the	the	DET
cjfa-33347	30	13	factors	factor	NOUN
cjfa-33347	30	14	that	that	PRON
cjfa-33347	30	15	attract	attract	VERB
cjfa-33347	30	16	or	or	CCONJ
cjfa-33347	30	17	influence	influence	VERB
cjfa-33347	30	18	the	the	DET
cjfa-33347	30	19	lenders	lender	NOUN
cjfa-33347	30	20	(	(	PUNCT
cjfa-33347	30	21	or	or	CCONJ
cjfa-33347	30	22	investors	investor	NOUN
cjfa-33347	30	23	)	)	PUNCT
cjfa-33347	30	24	to	to	PART
cjfa-33347	30	25	invest	invest	VERB
cjfa-33347	30	26	through	through	ADP
cjfa-33347	30	27	a	a	DET
cjfa-33347	30	28	p2p	p2p	NOUN
cjfa-33347	30	29	lending	lending	NOUN
cjfa-33347	30	30	platform	platform	NOUN
cjfa-33347	30	31	in	in	ADP
cjfa-33347	30	32	a	a	DET
cjfa-33347	30	33	developing	develop	VERB
cjfa-33347	30	34	country	country	NOUN
cjfa-33347	30	35	and	and	CCONJ
cjfa-33347	30	36	how	how	SCONJ
cjfa-33347	30	37	information	information	NOUN
cjfa-33347	30	38	from	from	ADP
cjfa-33347	30	39	social	social	ADJ
cjfa-33347	30	40	networks	network	NOUN
cjfa-33347	30	41	can	can	AUX
cjfa-33347	30	42	be	be	AUX
cjfa-33347	30	43	used	use	VERB
cjfa-33347	30	44	as	as	ADP
cjfa-33347	30	45	a	a	DET
cjfa-33347	30	46	tool	tool	NOUN
cjfa-33347	30	47	to	to	PART
cjfa-33347	30	48	determine	determine	VERB
cjfa-33347	30	49	the	the	DET
cjfa-33347	30	50	credit	credit	NOUN
cjfa-33347	30	51	risks	risk	NOUN
cjfa-33347	30	52	associated	associate	VERB
cjfa-33347	30	53	with	with	ADP
cjfa-33347	30	54	it	it	PRON
cjfa-33347	30	55	.	.	PUNCT
cjfa-33347	31	1	to	to	PART
cjfa-33347	31	2	achieve	achieve	VERB
cjfa-33347	31	3	this	this	PRON
cjfa-33347	31	4	,	,	PUNCT
cjfa-33347	31	5	by	by	ADP
cjfa-33347	31	6	benefiting	benefit	VERB
cjfa-33347	31	7	from	from	ADP
cjfa-33347	31	8	the	the	DET
cjfa-33347	31	9	social	social	ADJ
cjfa-33347	31	10	network	network	NOUN
cjfa-33347	31	11	theory	theory	NOUN
cjfa-33347	31	12	propositions	proposition	NOUN
cjfa-33347	31	13	are	be	AUX
cjfa-33347	31	14	developed	develop	VERB
cjfa-33347	31	15	to	to	PART
cjfa-33347	31	16	determine	determine	VERB
cjfa-33347	31	17	the	the	DET
cjfa-33347	31	18	inter	inter	NOUN
cjfa-33347	31	19	-	-	NOUN
cjfa-33347	31	20	relations	relation	NOUN
cjfa-33347	31	21	among	among	ADP
cjfa-33347	31	22	p2p	p2p	NOUN
cjfa-33347	31	23	,	,	PUNCT
cjfa-33347	31	24	perceived	perceive	VERB
cjfa-33347	31	25	risks	risk	NOUN
cjfa-33347	31	26	,	,	PUNCT
cjfa-33347	31	27	security	security	NOUN
cjfa-33347	31	28	and	and	CCONJ
cjfa-33347	31	29	social	social	ADJ
cjfa-33347	31	30	networks	network	NOUN
cjfa-33347	31	31	.	.	PUNCT
cjfa-33347	32	1	literature	literature	NOUN
cjfa-33347	32	2	review	review	VERB
cjfa-33347	32	3	the	the	DET
cjfa-33347	32	4	demand	demand	NOUN
cjfa-33347	32	5	for	for	ADP
cjfa-33347	32	6	p2p	p2p	NOUN
cjfa-33347	32	7	lending	lend	VERB
cjfa-33347	32	8	why	why	SCONJ
cjfa-33347	32	9	p2p	p2p	NOUN
cjfa-33347	32	10	lending	lending	NOUN
cjfa-33347	32	11	is	be	AUX
cjfa-33347	32	12	vital	vital	ADJ
cjfa-33347	32	13	for	for	ADP
cjfa-33347	32	14	individuals	individual	NOUN
cjfa-33347	32	15	and	and	CCONJ
cjfa-33347	32	16	society	society	NOUN
cjfa-33347	32	17	?	?	PUNCT
cjfa-33347	33	1	although	although	SCONJ
cjfa-33347	33	2	various	various	ADJ
cjfa-33347	33	3	answers	answer	NOUN
cjfa-33347	33	4	can	can	AUX
cjfa-33347	33	5	be	be	AUX
cjfa-33347	33	6	provided	provide	VERB
cjfa-33347	33	7	,	,	PUNCT
cjfa-33347	33	8	one	one	NUM
cjfa-33347	33	9	of	of	ADP
cjfa-33347	33	10	the	the	DET
cjfa-33347	33	11	fundamental	fundamental	ADJ
cjfa-33347	33	12	reasons	reason	NOUN
cjfa-33347	33	13	is	be	AUX
cjfa-33347	33	14	considered	consider	VERB
cjfa-33347	33	15	as	as	ADP
cjfa-33347	33	16	its	its	PRON
cjfa-33347	33	17	focus	focus	NOUN
cjfa-33347	33	18	.	.	PUNCT
cjfa-33347	34	1	since	since	SCONJ
cjfa-33347	34	2	the	the	DET
cjfa-33347	34	3	p2p	p2p	NOUN
cjfa-33347	34	4	platform	platform	NOUN
cjfa-33347	34	5	does	do	AUX
cjfa-33347	34	6	not	not	PART
cjfa-33347	34	7	only	only	ADV
cjfa-33347	34	8	focus	focus	VERB
cjfa-33347	34	9	on	on	ADP
cjfa-33347	34	10	the	the	DET
cjfa-33347	34	11	market	market	NOUN
cjfa-33347	34	12	for	for	ADP
cjfa-33347	34	13	big	big	ADJ
cjfa-33347	34	14	loans	loan	NOUN
cjfa-33347	34	15	but	but	CCONJ
cjfa-33347	34	16	instead	instead	ADV
cjfa-33347	34	17	on	on	ADP
cjfa-33347	34	18	the	the	DET
cjfa-33347	34	19	emerging	emerge	VERB
cjfa-33347	34	20	markets	market	NOUN
cjfa-33347	34	21	that	that	PRON
cjfa-33347	34	22	may	may	AUX
cjfa-33347	34	23	require	require	VERB
cjfa-33347	34	24	small	small	ADJ
cjfa-33347	34	25	loans	loan	NOUN
cjfa-33347	34	26	,	,	PUNCT
cjfa-33347	34	27	which	which	PRON
cjfa-33347	34	28	banks	bank	NOUN
cjfa-33347	34	29	generally	generally	ADV
cjfa-33347	34	30	do	do	AUX
cjfa-33347	34	31	not	not	PART
cjfa-33347	34	32	consider	consider	VERB
cjfa-33347	34	33	due	due	ADJ
cjfa-33347	34	34	to	to	ADP
cjfa-33347	34	35	high	high	ADJ
cjfa-33347	34	36	transaction	transaction	NOUN
cjfa-33347	34	37	costs	cost	NOUN
cjfa-33347	34	38	(	(	PUNCT
cjfa-33347	34	39	freedman	freedman	PROPN
cjfa-33347	34	40	&	&	CCONJ
cjfa-33347	34	41	jin	jin	PROPN
cjfa-33347	34	42	,	,	PUNCT
cjfa-33347	34	43	2008	2008	NUM
cjfa-33347	34	44	)	)	PUNCT
cjfa-33347	34	45	,	,	PUNCT
cjfa-33347	34	46	that	that	PRON
cjfa-33347	34	47	makes	make	VERB
cjfa-33347	34	48	the	the	DET
cjfa-33347	34	49	p2p	p2p	NOUN
cjfa-33347	34	50	utmost	utmost	ADV
cjfa-33347	34	51	important	important	ADJ
cjfa-33347	34	52	for	for	ADP
cjfa-33347	34	53	the	the	DET
cjfa-33347	34	54	individuals	individual	NOUN
cjfa-33347	34	55	and	and	CCONJ
cjfa-33347	34	56	the	the	DET
cjfa-33347	34	57	society	society	NOUN
cjfa-33347	34	58	.	.	PUNCT
cjfa-33347	35	1	furthermore	furthermore	ADV
cjfa-33347	35	2	,	,	PUNCT
cjfa-33347	35	3	a	a	DET
cjfa-33347	35	4	high	high	ADJ
cjfa-33347	35	5	default	default	NOUN
cjfa-33347	35	6	rate	rate	NOUN
cjfa-33347	35	7	increases	increase	VERB
cjfa-33347	35	8	the	the	DET
cjfa-33347	35	9	cost	cost	NOUN
cjfa-33347	35	10	of	of	ADP
cjfa-33347	35	11	capital	capital	NOUN
cjfa-33347	35	12	requirements	requirement	NOUN
cjfa-33347	35	13	of	of	ADP
cjfa-33347	35	14	the	the	DET
cjfa-33347	35	15	bank	bank	NOUN
cjfa-33347	35	16	.	.	PUNCT
cjfa-33347	36	1	hence	hence	ADV
cjfa-33347	36	2	,	,	PUNCT
cjfa-33347	36	3	banks	bank	NOUN
cjfa-33347	36	4	always	always	ADV
cjfa-33347	36	5	try	try	VERB
cjfa-33347	36	6	to	to	PART
cjfa-33347	36	7	avoid	avoid	VERB
cjfa-33347	36	8	lending	lend	VERB
cjfa-33347	36	9	to	to	ADP
cjfa-33347	36	10	risky	risky	ADJ
cjfa-33347	36	11	or	or	CCONJ
cjfa-33347	36	12	unfamiliar	unfamiliar	ADJ
cjfa-33347	36	13	borrowers	borrower	NOUN
cjfa-33347	36	14	who	who	PRON
cjfa-33347	36	15	may	may	AUX
cjfa-33347	36	16	bring	bring	VERB
cjfa-33347	36	17	cost	cost	NOUN
cjfa-33347	36	18	on	on	ADP
cjfa-33347	36	19	a	a	DET
cjfa-33347	36	20	reputation	reputation	NOUN
cjfa-33347	36	21	for	for	ADP
cjfa-33347	36	22	traditional	traditional	ADJ
cjfa-33347	36	23	banks	bank	NOUN
cjfa-33347	36	24	(	(	PUNCT
cjfa-33347	36	25	gabbi	gabbi	PROPN
cjfa-33347	36	26	,	,	PUNCT
cjfa-33347	36	27	giammarino	giammarino	PROPN
cjfa-33347	36	28	,	,	PUNCT
cjfa-33347	36	29	matthias	matthias	PROPN
cjfa-33347	36	30	,	,	PUNCT
cjfa-33347	36	31	monferrà	monferrà	PROPN
cjfa-33347	36	32	&	&	CCONJ
cjfa-33347	36	33	sampagnaro	sampagnaro	PROPN
cjfa-33347	36	34	,	,	PUNCT
cjfa-33347	36	35	2020	2020	NUM
cjfa-33347	36	36	;	;	PUNCT
cjfa-33347	36	37	deli	deli	PROPN
cjfa-33347	36	38	,	,	PUNCT
cjfa-33347	36	39	hasan	hasan	PROPN
cjfa-33347	36	40	&	&	CCONJ
cjfa-33347	36	41	liu	liu	PROPN
cjfa-33347	36	42	,	,	PUNCT
cjfa-33347	36	43	2019	2019	NUM
cjfa-33347	36	44	;	;	PUNCT
cjfa-33347	36	45	buckley	buckley	PROPN
cjfa-33347	36	46	&	&	CCONJ
cjfa-33347	36	47	nixon	nixon	PROPN
cjfa-33347	36	48	,	,	PUNCT
cjfa-33347	36	49	2009	2009	NUM
cjfa-33347	36	50	)	)	PUNCT
cjfa-33347	36	51	.	.	PUNCT
cjfa-33347	37	1	on	on	ADP
cjfa-33347	37	2	other	other	ADJ
cjfa-33347	37	3	hand	hand	NOUN
cjfa-33347	37	4	,	,	PUNCT
cjfa-33347	37	5	the	the	DET
cjfa-33347	37	6	marginal	marginal	ADJ
cjfa-33347	37	7	costs	cost	NOUN
cjfa-33347	37	8	on	on	ADP
cjfa-33347	37	9	loans	loan	NOUN
cjfa-33347	37	10	are	be	AUX
cjfa-33347	37	11	relatively	relatively	ADV
cjfa-33347	37	12	high	high	ADJ
cjfa-33347	37	13	for	for	ADP
cjfa-33347	37	14	banks	bank	NOUN
cjfa-33347	37	15	than	than	ADP
cjfa-33347	37	16	p2p	p2p	NOUN
cjfa-33347	37	17	lending	lending	NOUN
cjfa-33347	37	18	platforms	platform	NOUN
cjfa-33347	37	19	which	which	PRON
cjfa-33347	37	20	motivate	motivate	VERB
cjfa-33347	37	21	the	the	DET
cjfa-33347	37	22	banks	bank	NOUN
cjfa-33347	37	23	not	not	PART
cjfa-33347	37	24	to	to	PART
cjfa-33347	37	25	offer	offer	VERB
cjfa-33347	37	26	loans	loan	NOUN
cjfa-33347	37	27	to	to	ADP
cjfa-33347	37	28	the	the	DET
cjfa-33347	37	29	perilous	perilous	ADJ
cjfa-33347	37	30	borrowers	borrower	NOUN
cjfa-33347	37	31	,	,	PUNCT
cjfa-33347	37	32	individuals	individual	NOUN
cjfa-33347	37	33	,	,	PUNCT
cjfa-33347	37	34	entrepreneurs	entrepreneur	NOUN
cjfa-33347	37	35	,	,	PUNCT
cjfa-33347	37	36	or	or	CCONJ
cjfa-33347	37	37	small	small	ADJ
cjfa-33347	37	38	businesses	business	NOUN
cjfa-33347	37	39	(	(	PUNCT
cjfa-33347	37	40	de	de	X
cjfa-33347	37	41	roure	roure	NOUN
cjfa-33347	37	42	,	,	PUNCT
cjfa-33347	37	43	pelizzon	pelizzon	NOUN
cjfa-33347	37	44	&	&	CCONJ
cjfa-33347	37	45	tasca	tasca	PROPN
cjfa-33347	37	46	,	,	PUNCT
cjfa-33347	37	47	2016	2016	NUM
cjfa-33347	37	48	)	)	PUNCT
cjfa-33347	37	49	.	.	PUNCT
cjfa-33347	38	1	such	such	ADJ
cjfa-33347	38	2	hassles	hassle	NOUN
cjfa-33347	38	3	lead	lead	VERB
cjfa-33347	38	4	potential	potential	ADJ
cjfa-33347	38	5	borrowers	borrower	NOUN
cjfa-33347	38	6	to	to	PART
cjfa-33347	38	7	seek	seek	VERB
cjfa-33347	38	8	for	for	ADP
cjfa-33347	38	9	p2p	p2p	NOUN
cjfa-33347	38	10	lending	lending	NOUN
cjfa-33347	38	11	as	as	ADP
cjfa-33347	38	12	an	an	DET
cjfa-33347	38	13	alternative	alternative	ADJ
cjfa-33347	38	14	financial	financial	ADJ
cjfa-33347	38	15	source	source	NOUN
cjfa-33347	38	16	.	.	PUNCT
cjfa-33347	39	1	nadia	nadia	PROPN
cjfa-33347	39	2	nahar	nahar	PROPN
cjfa-33347	39	3	purkayastha	purkayastha	PROPN
cjfa-33347	39	4	,	,	PUNCT
cjfa-33347	39	5	şule	şule	ADJ
cjfa-33347	39	6	erdem	erdem	PROPN
cjfa-33347	39	7	tuzlukaya134	tuzlukaya134	PROPN
cjfa-33347	40	1	according	accord	VERB
cjfa-33347	40	2	to	to	ADP
cjfa-33347	40	3	herrero	herrero	PROPN
cjfa-33347	40	4	-	-	PUNCT
cjfa-33347	40	5	lopez	lopez	NOUN
cjfa-33347	40	6	(	(	PUNCT
cjfa-33347	40	7	2009	2009	NUM
cjfa-33347	40	8	)	)	PUNCT
cjfa-33347	40	9	such	such	ADJ
cjfa-33347	40	10	platforms	platform	NOUN
cjfa-33347	40	11	have	have	VERB
cjfa-33347	40	12	at	at	ADV
cjfa-33347	40	13	least	least	ADV
cjfa-33347	40	14	two	two	NUM
cjfa-33347	40	15	key	key	ADJ
cjfa-33347	40	16	benefits	benefit	NOUN
cjfa-33347	40	17	.	.	PUNCT
cjfa-33347	41	1	first	first	ADV
cjfa-33347	41	2	,	,	PUNCT
cjfa-33347	41	3	it	it	PRON
cjfa-33347	41	4	reduces	reduce	VERB
cjfa-33347	41	5	the	the	DET
cjfa-33347	41	6	cost	cost	NOUN
cjfa-33347	41	7	for	for	ADP
cjfa-33347	41	8	borrowers	borrower	NOUN
cjfa-33347	41	9	,	,	PUNCT
cjfa-33347	41	10	and	and	CCONJ
cjfa-33347	41	11	second	second	ADJ
cjfa-33347	41	12	,	,	PUNCT
cjfa-33347	41	13	it	it	PRON
cjfa-33347	41	14	provides	provide	VERB
cjfa-33347	41	15	an	an	DET
cjfa-33347	41	16	investment	investment	NOUN
cjfa-33347	41	17	opportunity	opportunity	NOUN
cjfa-33347	41	18	for	for	ADP
cjfa-33347	41	19	the	the	DET
cjfa-33347	41	20	individuals	individual	NOUN
cjfa-33347	41	21	which	which	PRON
cjfa-33347	41	22	can	can	AUX
cjfa-33347	41	23	be	be	AUX
cjfa-33347	41	24	led	lead	VERB
cjfa-33347	41	25	to	to	ADP
cjfa-33347	41	26	potential	potential	ADJ
cjfa-33347	41	27	economic	economic	ADJ
cjfa-33347	41	28	development	development	NOUN
cjfa-33347	41	29	for	for	ADP
cjfa-33347	41	30	a	a	DET
cjfa-33347	41	31	country	country	NOUN
cjfa-33347	41	32	.	.	PUNCT
cjfa-33347	42	1	grameen	grameen	PROPN
cjfa-33347	42	2	bank	bank	PROPN
cjfa-33347	42	3	in	in	ADP
cjfa-33347	42	4	bangladesh	bangladesh	PROPN
cjfa-33347	42	5	has	have	AUX
cjfa-33347	42	6	proven	prove	VERB
cjfa-33347	42	7	that	that	SCONJ
cjfa-33347	42	8	unprivileged	unprivileged	ADJ
cjfa-33347	42	9	groups	group	NOUN
cjfa-33347	42	10	benefited	benefit	VERB
cjfa-33347	42	11	from	from	ADP
cjfa-33347	42	12	“	"	PUNCT
cjfa-33347	42	13	microcredit”1	microcredit”1	ADV
cjfa-33347	42	14	financial	financial	ADJ
cjfa-33347	42	15	invention	invention	NOUN
cjfa-33347	42	16	,	,	PUNCT
cjfa-33347	42	17	which	which	PRON
cjfa-33347	42	18	allowed	allow	VERB
cjfa-33347	42	19	a	a	DET
cjfa-33347	42	20	priori	priori	ADJ
cjfa-33347	42	21	non	non	ADJ
cjfa-33347	42	22	-	-	ADJ
cjfa-33347	42	23	bankable	bankable	ADJ
cjfa-33347	42	24	capitalists	capitalist	NOUN
cjfa-33347	42	25	to	to	PART
cjfa-33347	42	26	contribute	contribute	VERB
cjfa-33347	42	27	to	to	ADP
cjfa-33347	42	28	self	self	NOUN
cjfa-33347	42	29	-	-	PUNCT
cjfa-33347	42	30	employment	employment	NOUN
cjfa-33347	42	31	ventures	venture	NOUN
cjfa-33347	42	32	(	(	PUNCT
cjfa-33347	42	33	herrero	herrero	NOUN
cjfa-33347	42	34	-	-	PUNCT
cjfa-33347	42	35	lopez	lopez	NOUN
cjfa-33347	42	36	,	,	PUNCT
cjfa-33347	42	37	2009	2009	NUM
cjfa-33347	42	38	)	)	PUNCT
cjfa-33347	42	39	.	.	PUNCT
cjfa-33347	43	1	similarly	similarly	ADV
cjfa-33347	43	2	,	,	PUNCT
cjfa-33347	43	3	small	small	ADJ
cjfa-33347	43	4	businesses	business	NOUN
cjfa-33347	43	5	,	,	PUNCT
cjfa-33347	43	6	new	new	ADJ
cjfa-33347	43	7	entrepreneurs	entrepreneur	NOUN
cjfa-33347	43	8	,	,	PUNCT
cjfa-33347	43	9	or	or	CCONJ
cjfa-33347	43	10	less	less	ADV
cjfa-33347	43	11	privileged	privileged	ADJ
cjfa-33347	43	12	people	people	NOUN
cjfa-33347	43	13	can	can	AUX
cjfa-33347	43	14	access	access	VERB
cjfa-33347	43	15	finance	finance	NOUN
cjfa-33347	43	16	through	through	ADP
cjfa-33347	43	17	p2p	p2p	NOUN
cjfa-33347	43	18	lending	lending	NOUN
cjfa-33347	43	19	modality	modality	NOUN
cjfa-33347	43	20	instead	instead	ADV
cjfa-33347	43	21	of	of	ADP
cjfa-33347	43	22	regular	regular	ADJ
cjfa-33347	43	23	methods	method	NOUN
cjfa-33347	43	24	of	of	ADP
cjfa-33347	43	25	credit	credit	NOUN
cjfa-33347	43	26	especially	especially	ADV
cjfa-33347	43	27	in	in	ADP
cjfa-33347	43	28	developing	develop	VERB
cjfa-33347	43	29	countries	country	NOUN
cjfa-33347	43	30	like	like	ADP
cjfa-33347	43	31	bangladesh	bangladesh	PROPN
cjfa-33347	43	32	,	,	PUNCT
cjfa-33347	43	33	india	india	PROPN
cjfa-33347	43	34	,	,	PUNCT
cjfa-33347	43	35	china	china	PROPN
cjfa-33347	43	36	,	,	PUNCT
cjfa-33347	43	37	philippines	philippine	NOUN
cjfa-33347	43	38	,	,	PUNCT
cjfa-33347	43	39	and	and	CCONJ
cjfa-33347	43	40	etc	etc	X
cjfa-33347	43	41	.	.	X
cjfa-33347	44	1	that	that	PRON
cjfa-33347	44	2	can	can	AUX
cjfa-33347	44	3	potentially	potentially	ADV
cjfa-33347	44	4	reduce	reduce	VERB
cjfa-33347	44	5	the	the	DET
cjfa-33347	44	6	negative	negative	ADJ
cjfa-33347	44	7	effect	effect	NOUN
cjfa-33347	44	8	of	of	ADP
cjfa-33347	44	9	local	local	ADJ
cjfa-33347	44	10	informal	informal	ADJ
cjfa-33347	44	11	moneylenders	moneylender	NOUN
cjfa-33347	44	12	.	.	PUNCT
cjfa-33347	45	1	p2p	p2p	NOUN
cjfa-33347	45	2	lending	lending	NOUN
cjfa-33347	45	3	platforms	platform	NOUN
cjfa-33347	45	4	always	always	ADV
cjfa-33347	45	5	focus	focus	VERB
cjfa-33347	45	6	on	on	ADP
cjfa-33347	45	7	democratizing	democratize	VERB
cjfa-33347	45	8	the	the	DET
cjfa-33347	45	9	borrowers	borrower	NOUN
cjfa-33347	45	10	rather	rather	ADV
cjfa-33347	45	11	than	than	ADP
cjfa-33347	45	12	discriminating	discriminate	VERB
cjfa-33347	45	13	them	they	PRON
cjfa-33347	45	14	on	on	ADP
cjfa-33347	45	15	their	their	PRON
cjfa-33347	45	16	social	social	ADJ
cjfa-33347	45	17	or	or	CCONJ
cjfa-33347	45	18	financial	financial	ADJ
cjfa-33347	45	19	status	status	NOUN
cjfa-33347	45	20	(	(	PUNCT
cjfa-33347	45	21	herzenstein	herzenstein	PROPN
cjfa-33347	45	22	,	,	PUNCT
cjfa-33347	45	23	andrews	andrews	PROPN
cjfa-33347	45	24	,	,	PUNCT
cjfa-33347	45	25	dholakia	dholakia	PROPN
cjfa-33347	45	26	&	&	CCONJ
cjfa-33347	45	27	lyandres	lyandre	NOUN
cjfa-33347	45	28	,	,	PUNCT
cjfa-33347	45	29	2008	2008	NUM
cjfa-33347	45	30	)	)	PUNCT
cjfa-33347	45	31	.	.	PUNCT
cjfa-33347	46	1	social	social	ADJ
cjfa-33347	46	2	networks	network	NOUN
cjfa-33347	46	3	for	for	ADP
cjfa-33347	46	4	direct	direct	ADJ
cjfa-33347	46	5	p2p	p2p	NOUN
cjfa-33347	46	6	although	although	SCONJ
cjfa-33347	46	7	there	there	PRON
cjfa-33347	46	8	are	be	VERB
cjfa-33347	46	9	no	no	DET
cjfa-33347	46	10	mediators	mediator	NOUN
cjfa-33347	46	11	to	to	PART
cjfa-33347	46	12	determine	determine	VERB
cjfa-33347	46	13	the	the	DET
cjfa-33347	46	14	creditworthiness	creditworthiness	NOUN
cjfa-33347	46	15	and	and	CCONJ
cjfa-33347	46	16	default	default	NOUN
cjfa-33347	46	17	risk	risk	NOUN
cjfa-33347	46	18	in	in	ADP
cjfa-33347	46	19	direct	direct	ADJ
cjfa-33347	46	20	p2p	p2p	NOUN
cjfa-33347	46	21	,	,	PUNCT
cjfa-33347	46	22	what	what	PRON
cjfa-33347	46	23	are	be	AUX
cjfa-33347	46	24	the	the	DET
cjfa-33347	46	25	factors	factor	NOUN
cjfa-33347	46	26	that	that	PRON
cjfa-33347	46	27	are	be	AUX
cjfa-33347	46	28	critical	critical	ADJ
cjfa-33347	46	29	in	in	ADP
cjfa-33347	46	30	building	build	VERB
cjfa-33347	46	31	social	social	ADJ
cjfa-33347	46	32	trust	trust	NOUN
cjfa-33347	46	33	between	between	ADP
cjfa-33347	46	34	lenders	lender	NOUN
cjfa-33347	46	35	and	and	CCONJ
cjfa-33347	46	36	borrowers	borrower	NOUN
cjfa-33347	46	37	?	?	PUNCT
cjfa-33347	47	1	milne	milne	PROPN
cjfa-33347	47	2	and	and	CCONJ
cjfa-33347	47	3	parboteeah	parboteeah	PROPN
cjfa-33347	47	4	(	(	PUNCT
cjfa-33347	47	5	2016	2016	NUM
cjfa-33347	47	6	)	)	PUNCT
cjfa-33347	47	7	suggested	suggest	VERB
cjfa-33347	47	8	four	four	NUM
cjfa-33347	47	9	key	key	ADJ
cjfa-33347	47	10	factors	factor	NOUN
cjfa-33347	47	11	for	for	ADP
cjfa-33347	47	12	creating	create	VERB
cjfa-33347	47	13	trust	trust	NOUN
cjfa-33347	47	14	between	between	ADP
cjfa-33347	47	15	the	the	DET
cjfa-33347	47	16	parties	party	NOUN
cjfa-33347	47	17	.	.	PUNCT
cjfa-33347	48	1	first	first	ADV
cjfa-33347	48	2	,	,	PUNCT
cjfa-33347	48	3	direct	direct	ADJ
cjfa-33347	48	4	p2p	p2p	NOUN
cjfa-33347	48	5	offers	offer	VERB
cjfa-33347	48	6	a	a	DET
cjfa-33347	48	7	higher	high	ADJ
cjfa-33347	48	8	return	return	NOUN
cjfa-33347	48	9	for	for	ADP
cjfa-33347	48	10	the	the	DET
cjfa-33347	48	11	lenders	lender	NOUN
cjfa-33347	48	12	and	and	CCONJ
cjfa-33347	48	13	low	low	ADJ
cjfa-33347	48	14	cost	cost	NOUN
cjfa-33347	48	15	for	for	ADP
cjfa-33347	48	16	the	the	DET
cjfa-33347	48	17	borrowers	borrower	NOUN
cjfa-33347	48	18	compared	compare	VERB
cjfa-33347	48	19	to	to	ADP
cjfa-33347	48	20	traditional	traditional	ADJ
cjfa-33347	48	21	banks	bank	NOUN
cjfa-33347	48	22	as	as	SCONJ
cjfa-33347	48	23	both	both	PRON
cjfa-33347	48	24	cut	cut	VERB
cjfa-33347	48	25	the	the	DET
cjfa-33347	48	26	middleman	middleman	NOUN
cjfa-33347	48	27	.	.	PUNCT
cjfa-33347	49	1	second	second	ADJ
cjfa-33347	49	2	,	,	PUNCT
cjfa-33347	49	3	it	it	PRON
cjfa-33347	49	4	provides	provide	VERB
cjfa-33347	49	5	easy	easy	ADJ
cjfa-33347	49	6	access	access	NOUN
cjfa-33347	49	7	to	to	ADP
cjfa-33347	49	8	credit	credit	NOUN
cjfa-33347	49	9	for	for	ADP
cjfa-33347	49	10	the	the	DET
cjfa-33347	49	11	borrowers	borrower	NOUN
cjfa-33347	49	12	within	within	ADP
cjfa-33347	49	13	a	a	DET
cjfa-33347	49	14	short	short	ADJ
cjfa-33347	49	15	period	period	NOUN
cjfa-33347	49	16	.	.	PUNCT
cjfa-33347	50	1	third	third	ADV
cjfa-33347	50	2	,	,	PUNCT
cjfa-33347	50	3	it	it	PRON
cjfa-33347	50	4	provides	provide	VERB
cjfa-33347	50	5	social	social	ADJ
cjfa-33347	50	6	value	value	NOUN
cjfa-33347	50	7	addition	addition	NOUN
cjfa-33347	50	8	to	to	ADP
cjfa-33347	50	9	traditional	traditional	ADJ
cjfa-33347	50	10	banks	bank	NOUN
cjfa-33347	50	11	.	.	PUNCT
cjfa-33347	51	1	and	and	CCONJ
cjfa-33347	51	2	as	as	ADV
cjfa-33347	51	3	fourth	fourth	ADJ
cjfa-33347	51	4	,	,	PUNCT
cjfa-33347	51	5	the	the	DET
cjfa-33347	51	6	utilization	utilization	NOUN
cjfa-33347	51	7	of	of	ADP
cjfa-33347	51	8	innovative	innovative	ADJ
cjfa-33347	51	9	technologies	technology	NOUN
cjfa-33347	51	10	using	use	VERB
cjfa-33347	51	11	the	the	DET
cjfa-33347	51	12	mechanism	mechanism	NOUN
cjfa-33347	51	13	of	of	ADP
cjfa-33347	51	14	social	social	ADJ
cjfa-33347	51	15	networks	network	NOUN
cjfa-33347	51	16	is	be	AUX
cjfa-33347	51	17	helpful	helpful	ADJ
cjfa-33347	51	18	in	in	ADP
cjfa-33347	51	19	terms	term	NOUN
cjfa-33347	51	20	of	of	ADP
cjfa-33347	51	21	speeding	speed	VERB
cjfa-33347	51	22	up	up	ADP
cjfa-33347	51	23	the	the	DET
cjfa-33347	51	24	direct	direct	ADJ
cjfa-33347	51	25	p2p	p2p	NOUN
cjfa-33347	51	26	lending	lending	NOUN
cjfa-33347	51	27	.	.	PUNCT
cjfa-33347	52	1	in	in	ADP
cjfa-33347	52	2	an	an	DET
cjfa-33347	52	3	attempt	attempt	NOUN
cjfa-33347	52	4	to	to	PART
cjfa-33347	52	5	promote	promote	VERB
cjfa-33347	52	6	and	and	CCONJ
cjfa-33347	52	7	identify	identify	VERB
cjfa-33347	52	8	the	the	DET
cjfa-33347	52	9	creditable	creditable	ADJ
cjfa-33347	52	10	borrowers	borrower	NOUN
cjfa-33347	52	11	’	'	PUNCT
cjfa-33347	52	12	,	,	PUNCT
cjfa-33347	52	13	direct	direct	ADJ
cjfa-33347	52	14	p2p	p2p	NOUN
cjfa-33347	52	15	lending	lending	NOUN
cjfa-33347	52	16	platforms	platform	NOUN
cjfa-33347	52	17	like	like	ADP
cjfa-33347	52	18	prosper	prosper	NOUN
cjfa-33347	52	19	,	,	PUNCT
cjfa-33347	52	20	zopa	zopa	NOUN
cjfa-33347	52	21	,	,	PUNCT
cjfa-33347	52	22	lending	lending	NOUN
cjfa-33347	52	23	club	club	NOUN
cjfa-33347	52	24	use	use	VERB
cjfa-33347	52	25	social	social	ADJ
cjfa-33347	52	26	networks	network	NOUN
cjfa-33347	52	27	and	and	CCONJ
cjfa-33347	52	28	encourage	encourage	VERB
cjfa-33347	52	29	the	the	DET
cjfa-33347	52	30	potential	potential	ADJ
cjfa-33347	52	31	borrowers	borrower	NOUN
cjfa-33347	52	32	to	to	PART
cjfa-33347	52	33	provide	provide	VERB
cjfa-33347	52	34	the	the	DET
cjfa-33347	52	35	relevant	relevant	ADJ
cjfa-33347	52	36	financial	financial	ADJ
cjfa-33347	52	37	information	information	NOUN
cjfa-33347	52	38	as	as	ADV
cjfa-33347	52	39	much	much	ADV
cjfa-33347	52	40	as	as	ADP
cjfa-33347	52	41	possible	possible	ADJ
cjfa-33347	52	42	throughout	throughout	ADP
cjfa-33347	52	43	the	the	DET
cjfa-33347	52	44	social	social	ADJ
cjfa-33347	52	45	networks	network	NOUN
cjfa-33347	52	46	to	to	PART
cjfa-33347	52	47	reduce	reduce	VERB
cjfa-33347	52	48	default	default	NOUN
cjfa-33347	52	49	risks	risk	NOUN
cjfa-33347	52	50	(	(	PUNCT
cjfa-33347	52	51	ge	ge	PROPN
cjfa-33347	52	52	,	,	PUNCT
cjfa-33347	52	53	feng	feng	PROPN
cjfa-33347	52	54	&	&	CCONJ
cjfa-33347	52	55	gu	gu	PROPN
cjfa-33347	52	56	,	,	PUNCT
cjfa-33347	52	57	2016	2016	NUM
cjfa-33347	52	58	)	)	PUNCT
cjfa-33347	52	59	.	.	PUNCT
cjfa-33347	53	1	iyer	iyer	PROPN
cjfa-33347	53	2	,	,	PUNCT
cjfa-33347	53	3	khwaja	khwaja	PROPN
cjfa-33347	53	4	,	,	PUNCT
cjfa-33347	53	5	luttmer	luttmer	ADJ
cjfa-33347	53	6	,	,	PUNCT
cjfa-33347	53	7	and	and	CCONJ
cjfa-33347	53	8	shue	shue	PROPN
cjfa-33347	53	9	(	(	PUNCT
cjfa-33347	53	10	2009	2009	NUM
cjfa-33347	53	11	)	)	PUNCT
cjfa-33347	53	12	classified	classify	VERB
cjfa-33347	53	13	the	the	DET
cjfa-33347	53	14	infor1	infor1	PROPN
cjfa-33347	53	15	 	 	SPACE
cjfa-33347	53	16	according	accord	VERB
cjfa-33347	53	17	to	to	ADP
cjfa-33347	53	18	schroeder	schroeder	NOUN
cjfa-33347	53	19	(	(	PUNCT
cjfa-33347	53	20	2020	2020	NUM
cjfa-33347	53	21	)	)	PUNCT
cjfa-33347	53	22	economist	economist	NOUN
cjfa-33347	53	23	muhammad	muhammad	PROPN
cjfa-33347	53	24	yunus	yunus	PROPN
cjfa-33347	53	25	(	(	PUNCT
cjfa-33347	53	26	founder	founder	NOUN
cjfa-33347	53	27	of	of	ADP
cjfa-33347	53	28	grammen	grammen	PROPN
cjfa-33347	53	29	bank	bank	PROPN
cjfa-33347	53	30	of	of	ADP
cjfa-33347	53	31	bangladesh	bangladesh	PROPN
cjfa-33347	53	32	)	)	PUNCT
cjfa-33347	53	33	termed	term	VERB
cjfa-33347	53	34	microcredit	microcredit	NOUN
cjfa-33347	53	35	as	as	ADP
cjfa-33347	53	36	a	a	DET
cjfa-33347	53	37	common	common	ADJ
cjfa-33347	53	38	form	form	NOUN
cjfa-33347	53	39	of	of	ADP
cjfa-33347	53	40	microfinance	microfinance	NOUN
cjfa-33347	53	41	that	that	PRON
cjfa-33347	53	42	involves	involve	VERB
cjfa-33347	53	43	an	an	DET
cjfa-33347	53	44	extremely	extremely	ADV
cjfa-33347	53	45	small	small	ADJ
cjfa-33347	53	46	loan	loan	NOUN
cjfa-33347	53	47	given	give	VERB
cjfa-33347	53	48	to	to	ADP
cjfa-33347	53	49	an	an	DET
cjfa-33347	53	50	individual	individual	NOUN
cjfa-33347	53	51	for	for	ADP
cjfa-33347	53	52	self	self	NOUN
cjfa-33347	53	53	-	-	PUNCT
cjfa-33347	53	54	employment	employment	NOUN
cjfa-33347	53	55	projects	project	NOUN
cjfa-33347	53	56	,	,	PUNCT
cjfa-33347	53	57	with	with	ADP
cjfa-33347	53	58	the	the	DET
cjfa-33347	53	59	intention	intention	NOUN
cjfa-33347	53	60	of	of	ADP
cjfa-33347	53	61	allowing	allow	VERB
cjfa-33347	53	62	households	household	NOUN
cjfa-33347	53	63	that	that	PRON
cjfa-33347	53	64	would	would	AUX
cjfa-33347	53	65	otherwise	otherwise	ADV
cjfa-33347	53	66	be	be	AUX
cjfa-33347	53	67	credit	credit	NOUN
cjfa-33347	53	68	constrained	constrain	VERB
cjfa-33347	53	69	to	to	PART
cjfa-33347	53	70	engage	engage	VERB
cjfa-33347	53	71	in	in	ADP
cjfa-33347	53	72	income	income	NOUN
cjfa-33347	53	73	-	-	PUNCT
cjfa-33347	53	74	generating	generate	VERB
cjfa-33347	53	75	activities	activity	NOUN
cjfa-33347	53	76	.	.	PUNCT
cjfa-33347	54	1	determination	determination	NOUN
cjfa-33347	54	2	of	of	ADP
cjfa-33347	54	3	the	the	DET
cjfa-33347	54	4	benefits	benefit	NOUN
cjfa-33347	54	5	and	and	CCONJ
cjfa-33347	54	6	risks	risk	NOUN
cjfa-33347	54	7	of	of	ADP
cjfa-33347	54	8	peer	peer	NOUN
cjfa-33347	54	9	-	-	PUNCT
cjfa-33347	54	10	to	to	ADP
cjfa-33347	54	11	-	-	PUNCT
cjfa-33347	54	12	peer	peer	NOUN
cjfa-33347	54	13	…	…	PUNCT
cjfa-33347	54	14	135	135	NUM
cjfa-33347	54	15	mation	mation	NOUN
cjfa-33347	54	16	as	as	ADP
cjfa-33347	54	17	“	"	PUNCT
cjfa-33347	54	18	hard	hard	ADJ
cjfa-33347	54	19	”	"	PUNCT
cjfa-33347	54	20	and	and	CCONJ
cjfa-33347	54	21	“	"	PUNCT
cjfa-33347	54	22	soft	soft	ADJ
cjfa-33347	54	23	”	"	PUNCT
cjfa-33347	54	24	,	,	PUNCT
cjfa-33347	54	25	direct	direct	ADJ
cjfa-33347	54	26	p2p	p2p	NOUN
cjfa-33347	54	27	platforms	platform	NOUN
cjfa-33347	54	28	collect	collect	VERB
cjfa-33347	54	29	“	"	PUNCT
cjfa-33347	54	30	hard	hard	ADJ
cjfa-33347	54	31	”	"	PUNCT
cjfa-33347	54	32	information	information	NOUN
cjfa-33347	54	33	like	like	ADP
cjfa-33347	54	34	credit	credit	NOUN
cjfa-33347	54	35	score	score	NOUN
cjfa-33347	54	36	,	,	PUNCT
cjfa-33347	54	37	debt	debt	NOUN
cjfa-33347	54	38	-	-	PUNCT
cjfa-33347	54	39	to	to	ADP
cjfa-33347	54	40	-	-	PUNCT
cjfa-33347	54	41	income	income	NOUN
cjfa-33347	54	42	ratio	ratio	NOUN
cjfa-33347	54	43	,	,	PUNCT
cjfa-33347	54	44	annual	annual	ADJ
cjfa-33347	54	45	income	income	NOUN
cjfa-33347	54	46	as	as	ADV
cjfa-33347	54	47	well	well	ADV
cjfa-33347	54	48	as	as	ADP
cjfa-33347	54	49	the	the	DET
cjfa-33347	54	50	business	business	NOUN
cjfa-33347	54	51	plan	plan	NOUN
cjfa-33347	54	52	for	for	ADP
cjfa-33347	54	53	utilizing	utilize	VERB
cjfa-33347	54	54	the	the	DET
cjfa-33347	54	55	funds	fund	NOUN
cjfa-33347	54	56	and	and	CCONJ
cjfa-33347	54	57	“	"	PUNCT
cjfa-33347	54	58	soft	soft	ADJ
cjfa-33347	54	59	”	"	PUNCT
cjfa-33347	54	60	information	information	NOUN
cjfa-33347	54	61	like	like	ADP
cjfa-33347	54	62	a	a	DET
cjfa-33347	54	63	picture	picture	NOUN
cjfa-33347	54	64	of	of	ADP
cjfa-33347	54	65	the	the	DET
cjfa-33347	54	66	interested	interested	ADJ
cjfa-33347	54	67	borrower	borrower	NOUN
cjfa-33347	54	68	through	through	ADP
cjfa-33347	54	69	the	the	DET
cjfa-33347	54	70	social	social	ADJ
cjfa-33347	54	71	networks	network	NOUN
cjfa-33347	54	72	.	.	PUNCT
cjfa-33347	55	1	thus	thus	ADV
cjfa-33347	55	2	,	,	PUNCT
cjfa-33347	55	3	one	one	PRON
cjfa-33347	55	4	may	may	AUX
cjfa-33347	55	5	pose	pose	VERB
cjfa-33347	55	6	a	a	DET
cjfa-33347	55	7	question	question	NOUN
cjfa-33347	55	8	as	as	ADP
cjfa-33347	55	9	“	"	PUNCT
cjfa-33347	55	10	do	do	AUX
cjfa-33347	55	11	the	the	DET
cjfa-33347	55	12	social	social	ADJ
cjfa-33347	55	13	networks	network	NOUN
cjfa-33347	55	14	unravel	unravel	VERB
cjfa-33347	55	15	the	the	DET
cjfa-33347	55	16	information	information	NOUN
cjfa-33347	55	17	asymmetry	asymmetry	NOUN
cjfa-33347	55	18	challenges	challenge	NOUN
cjfa-33347	55	19	of	of	ADP
cjfa-33347	55	20	p2p	p2p	NOUN
cjfa-33347	55	21	lending	lend	VERB
cjfa-33347	55	22	for	for	ADP
cjfa-33347	55	23	social	social	ADJ
cjfa-33347	55	24	capital	capital	NOUN
cjfa-33347	55	25	”	"	PUNCT
cjfa-33347	55	26	?	?	PUNCT
cjfa-33347	56	1	the	the	DET
cjfa-33347	56	2	activity	activity	NOUN
cjfa-33347	56	3	level	level	NOUN
cjfa-33347	56	4	and	and	CCONJ
cjfa-33347	56	5	financial	financial	ADJ
cjfa-33347	56	6	information	information	NOUN
cjfa-33347	56	7	provided	provide	VERB
cjfa-33347	56	8	on	on	ADP
cjfa-33347	56	9	social	social	ADJ
cjfa-33347	56	10	media	medium	NOUN
cjfa-33347	56	11	by	by	ADP
cjfa-33347	56	12	the	the	DET
cjfa-33347	56	13	borrowers	borrower	NOUN
cjfa-33347	56	14	can	can	AUX
cjfa-33347	56	15	act	act	VERB
cjfa-33347	56	16	as	as	ADP
cjfa-33347	56	17	predictors	predictor	NOUN
cjfa-33347	56	18	of	of	ADP
cjfa-33347	56	19	their	their	PRON
cjfa-33347	56	20	default	default	NOUN
cjfa-33347	56	21	probability	probability	NOUN
cjfa-33347	56	22	(	(	PUNCT
cjfa-33347	56	23	freedman	freedman	PROPN
cjfa-33347	56	24	&	&	CCONJ
cjfa-33347	56	25	jin	jin	PROPN
cjfa-33347	56	26	,	,	PUNCT
cjfa-33347	56	27	2017	2017	NUM
cjfa-33347	56	28	;	;	PUNCT
cjfa-33347	56	29	ge	ge	PROPN
cjfa-33347	56	30	et	et	PROPN
cjfa-33347	56	31	al	al	PROPN
cjfa-33347	56	32	.	.	PROPN
cjfa-33347	56	33	,	,	PUNCT
cjfa-33347	56	34	2016	2016	NUM
cjfa-33347	56	35	)	)	PUNCT
cjfa-33347	56	36	.	.	PUNCT
cjfa-33347	57	1	direct	direct	ADJ
cjfa-33347	57	2	p2p	p2p	NOUN
cjfa-33347	57	3	uses	use	VERB
cjfa-33347	57	4	online	online	ADJ
cjfa-33347	57	5	social	social	ADJ
cjfa-33347	57	6	media	medium	NOUN
cjfa-33347	57	7	such	such	ADJ
cjfa-33347	57	8	as	as	ADP
cjfa-33347	57	9	facebook	facebook	PROPN
cjfa-33347	57	10	,	,	PUNCT
cjfa-33347	57	11	instagram	instagram	PROPN
cjfa-33347	57	12	,	,	PUNCT
cjfa-33347	57	13	linkedin	linkedin	NOUN
cjfa-33347	57	14	,	,	PUNCT
cjfa-33347	57	15	twitter	twitter	NOUN
cjfa-33347	57	16	,	,	PUNCT
cjfa-33347	57	17	whatsapp	whatsapp	NOUN
cjfa-33347	57	18	,	,	PUNCT
cjfa-33347	57	19	lending	lending	NOUN
cjfa-33347	57	20	website	website	NOUN
cjfa-33347	57	21	,	,	PUNCT
cjfa-33347	57	22	etc	etc	X
cjfa-33347	57	23	.	.	X
cjfa-33347	57	24	or	or	CCONJ
cjfa-33347	57	25	by	by	ADP
cjfa-33347	57	26	an	an	DET
cjfa-33347	57	27	application	application	NOUN
cjfa-33347	57	28	that	that	PRON
cjfa-33347	57	29	is	be	AUX
cjfa-33347	57	30	developed	develop	VERB
cjfa-33347	57	31	by	by	ADP
cjfa-33347	57	32	the	the	DET
cjfa-33347	57	33	lending	lending	NOUN
cjfa-33347	57	34	platforms	platform	NOUN
cjfa-33347	57	35	.	.	PUNCT
cjfa-33347	58	1	the	the	DET
cjfa-33347	58	2	pictures	picture	NOUN
cjfa-33347	58	3	of	of	ADP
cjfa-33347	58	4	the	the	DET
cjfa-33347	58	5	proposed	propose	VERB
cjfa-33347	58	6	venture	venture	NOUN
cjfa-33347	58	7	required	require	VERB
cjfa-33347	58	8	primarily	primarily	ADV
cjfa-33347	58	9	to	to	PART
cjfa-33347	58	10	evaluate	evaluate	VERB
cjfa-33347	58	11	borrower	borrower	NOUN
cjfa-33347	58	12	’s	’s	PART
cjfa-33347	58	13	creditworthiness	creditworthiness	NOUN
cjfa-33347	58	14	as	as	ADV
cjfa-33347	58	15	well	well	ADV
cjfa-33347	58	16	as	as	ADP
cjfa-33347	58	17	the	the	DET
cjfa-33347	58	18	potential	potential	NOUN
cjfa-33347	58	19	for	for	ADP
cjfa-33347	58	20	their	their	PRON
cjfa-33347	58	21	business	business	NOUN
cjfa-33347	58	22	proposition	proposition	NOUN
cjfa-33347	58	23	(	(	PUNCT
cjfa-33347	58	24	bachmann	bachmann	PROPN
cjfa-33347	58	25	et	et	PROPN
cjfa-33347	58	26	al	al	PROPN
cjfa-33347	58	27	.	.	PROPN
cjfa-33347	58	28	,	,	PUNCT
cjfa-33347	58	29	2011	2011	NUM
cjfa-33347	58	30	)	)	PUNCT
cjfa-33347	58	31	.	.	PUNCT
cjfa-33347	59	1	research	research	NOUN
cjfa-33347	59	2	conducted	conduct	VERB
cjfa-33347	59	3	by	by	ADP
cjfa-33347	59	4	wei	wei	PROPN
cjfa-33347	59	5	and	and	CCONJ
cjfa-33347	59	6	lin	lin	PROPN
cjfa-33347	59	7	(	(	PUNCT
cjfa-33347	59	8	2016	2016	NUM
cjfa-33347	59	9	)	)	PUNCT
cjfa-33347	59	10	identified	identify	VERB
cjfa-33347	59	11	that	that	SCONJ
cjfa-33347	59	12	social	social	ADJ
cjfa-33347	59	13	media	medium	NOUN
cjfa-33347	59	14	is	be	AUX
cjfa-33347	59	15	also	also	ADV
cjfa-33347	59	16	producing	produce	VERB
cjfa-33347	59	17	a	a	DET
cjfa-33347	59	18	significant	significant	ADJ
cjfa-33347	59	19	amount	amount	NOUN
cjfa-33347	59	20	of	of	ADP
cjfa-33347	59	21	social	social	ADJ
cjfa-33347	59	22	network	network	NOUN
cjfa-33347	59	23	data	datum	NOUN
cjfa-33347	59	24	that	that	PRON
cjfa-33347	59	25	can	can	AUX
cjfa-33347	59	26	be	be	AUX
cjfa-33347	59	27	used	use	VERB
cjfa-33347	59	28	as	as	ADP
cjfa-33347	59	29	an	an	DET
cjfa-33347	59	30	instrument	instrument	NOUN
cjfa-33347	59	31	for	for	ADP
cjfa-33347	59	32	credit	credit	NOUN
cjfa-33347	59	33	scoring	scoring	NOUN
cjfa-33347	59	34	.	.	PUNCT
cjfa-33347	60	1	according	accord	VERB
cjfa-33347	60	2	to	to	ADP
cjfa-33347	60	3	bachmann	bachmann	PROPN
cjfa-33347	60	4	et	et	PROPN
cjfa-33347	60	5	al	al	PROPN
cjfa-33347	60	6	.	.	PROPN
cjfa-33347	61	1	(	(	PUNCT
cjfa-33347	61	2	2011	2011	NUM
cjfa-33347	61	3	)	)	PUNCT
cjfa-33347	61	4	p2p	p2p	NOUN
cjfa-33347	61	5	lending	lending	NOUN
cjfa-33347	61	6	platforms	platform	NOUN
cjfa-33347	61	7	like	like	SCONJ
cjfa-33347	61	8	prosper.com	prosper.com	X
cjfa-33347	61	9	encourage	encourage	VERB
cjfa-33347	61	10	the	the	DET
cjfa-33347	61	11	members	member	NOUN
cjfa-33347	61	12	to	to	PART
cjfa-33347	61	13	form	form	VERB
cjfa-33347	61	14	friendship	friendship	NOUN
cjfa-33347	61	15	networks	network	NOUN
cjfa-33347	61	16	and	and	CCONJ
cjfa-33347	61	17	groups	group	NOUN
cjfa-33347	61	18	incorporate	incorporate	VERB
cjfa-33347	61	19	both	both	DET
cjfa-33347	61	20	current	current	ADJ
cjfa-33347	61	21	offline	offline	ADJ
cjfa-33347	61	22	social	social	ADJ
cjfa-33347	61	23	contacts	contact	NOUN
cjfa-33347	61	24	and	and	CCONJ
cjfa-33347	61	25	newly	newly	ADV
cjfa-33347	61	26	created	create	VERB
cjfa-33347	61	27	online	online	ADJ
cjfa-33347	61	28	friends	friend	NOUN
cjfa-33347	61	29	or	or	CCONJ
cjfa-33347	61	30	tapping	tap	VERB
cjfa-33347	61	31	on	on	ADP
cjfa-33347	61	32	social	social	ADJ
cjfa-33347	61	33	capital	capital	NOUN
cjfa-33347	61	34	.	.	PUNCT
cjfa-33347	62	1	the	the	DET
cjfa-33347	62	2	capability	capability	NOUN
cjfa-33347	62	3	to	to	PART
cjfa-33347	62	4	influence	influence	VERB
cjfa-33347	62	5	friendship	friendship	NOUN
cjfa-33347	62	6	networks	network	NOUN
cjfa-33347	62	7	during	during	ADP
cjfa-33347	62	8	to	to	PART
cjfa-33347	62	9	place	place	VERB
cjfa-33347	62	10	an	an	DET
cjfa-33347	62	11	online	online	ADJ
cjfa-33347	62	12	loan	loan	NOUN
cjfa-33347	62	13	request	request	NOUN
cjfa-33347	62	14	to	to	ADP
cjfa-33347	62	15	friends	friend	NOUN
cjfa-33347	62	16	and	and	CCONJ
cjfa-33347	62	17	to	to	PART
cjfa-33347	62	18	obtain	obtain	VERB
cjfa-33347	62	19	notices	notice	NOUN
cjfa-33347	62	20	of	of	ADP
cjfa-33347	62	21	friends	friend	NOUN
cjfa-33347	62	22	’	'	PUNCT
cjfa-33347	62	23	borrowing	borrowing	NOUN
cjfa-33347	62	24	and	and	CCONJ
cjfa-33347	62	25	lending	lending	NOUN
cjfa-33347	62	26	events	event	NOUN
cjfa-33347	62	27	is	be	AUX
cjfa-33347	62	28	the	the	DET
cjfa-33347	62	29	main	main	ADJ
cjfa-33347	62	30	difference	difference	NOUN
cjfa-33347	62	31	between	between	ADP
cjfa-33347	62	32	online	online	ADJ
cjfa-33347	62	33	p2p	p2p	NOUN
cjfa-33347	62	34	lending	lending	NOUN
cjfa-33347	62	35	platforms	platform	NOUN
cjfa-33347	62	36	and	and	CCONJ
cjfa-33347	62	37	traditional	traditional	ADJ
cjfa-33347	62	38	banking	banking	NOUN
cjfa-33347	62	39	approaches	approach	NOUN
cjfa-33347	62	40	(	(	PUNCT
cjfa-33347	62	41	bachmann	bachmann	PROPN
cjfa-33347	62	42	et	et	PROPN
cjfa-33347	62	43	al	al	PROPN
cjfa-33347	62	44	.	.	PROPN
cjfa-33347	62	45	,	,	PUNCT
cjfa-33347	62	46	2011	2011	NUM
cjfa-33347	62	47	)	)	PUNCT
cjfa-33347	62	48	.	.	PUNCT
cjfa-33347	63	1	freedman	freedman	PROPN
cjfa-33347	63	2	and	and	CCONJ
cjfa-33347	63	3	jin	jin	PROPN
cjfa-33347	63	4	(	(	PUNCT
cjfa-33347	63	5	2008	2008	NUM
cjfa-33347	63	6	)	)	PUNCT
cjfa-33347	63	7	support	support	NOUN
cjfa-33347	63	8	that	that	DET
cjfa-33347	63	9	research	research	NOUN
cjfa-33347	63	10	as	as	ADP
cjfa-33347	63	11	focusing	focus	VERB
cjfa-33347	63	12	on	on	ADP
cjfa-33347	63	13	prosper.com	prosper.com	NOUN
cjfa-33347	63	14	and	and	CCONJ
cjfa-33347	63	15	its	its	PRON
cjfa-33347	63	16	usage	usage	NOUN
cjfa-33347	63	17	in	in	ADP
cjfa-33347	63	18	terms	term	NOUN
cjfa-33347	63	19	of	of	ADP
cjfa-33347	63	20	social	social	ADJ
cjfa-33347	63	21	networks	network	NOUN
cjfa-33347	63	22	for	for	ADP
cjfa-33347	63	23	transactions	transaction	NOUN
cjfa-33347	63	24	and	and	CCONJ
cjfa-33347	63	25	verification	verification	NOUN
cjfa-33347	63	26	of	of	ADP
cjfa-33347	63	27	provided	provide	VERB
cjfa-33347	63	28	financial	financial	ADJ
cjfa-33347	63	29	information	information	NOUN
cjfa-33347	63	30	.	.	PUNCT
cjfa-33347	64	1	experimental	experimental	ADJ
cjfa-33347	64	2	research	research	NOUN
cjfa-33347	64	3	on	on	ADP
cjfa-33347	64	4	online	online	ADJ
cjfa-33347	64	5	social	social	ADJ
cjfa-33347	64	6	lending	lending	NOUN
cjfa-33347	64	7	conducted	conduct	VERB
cjfa-33347	64	8	by	by	ADP
cjfa-33347	64	9	everett	everett	PROPN
cjfa-33347	64	10	(	(	PUNCT
cjfa-33347	64	11	2019	2019	NUM
cjfa-33347	64	12	)	)	PUNCT
cjfa-33347	64	13	reveals	reveal	VERB
cjfa-33347	64	14	the	the	DET
cjfa-33347	64	15	risk	risk	NOUN
cjfa-33347	64	16	of	of	ADP
cjfa-33347	64	17	credit	credit	NOUN
cjfa-33347	64	18	default	default	NOUN
cjfa-33347	64	19	will	will	AUX
cjfa-33347	64	20	be	be	AUX
cjfa-33347	64	21	lower	low	ADJ
cjfa-33347	64	22	if	if	SCONJ
cjfa-33347	64	23	the	the	DET
cjfa-33347	64	24	location	location	NOUN
cjfa-33347	64	25	of	of	ADP
cjfa-33347	64	26	the	the	DET
cjfa-33347	64	27	borrower	borrower	NOUN
cjfa-33347	64	28	is	be	AUX
cjfa-33347	64	29	near	near	ADJ
cjfa-33347	64	30	to	to	ADP
cjfa-33347	64	31	the	the	DET
cjfa-33347	64	32	other	other	ADJ
cjfa-33347	64	33	members	member	NOUN
cjfa-33347	64	34	of	of	ADP
cjfa-33347	64	35	the	the	DET
cjfa-33347	64	36	group	group	NOUN
cjfa-33347	64	37	.	.	PUNCT
cjfa-33347	65	1	corresponding	correspond	VERB
cjfa-33347	65	2	to	to	ADP
cjfa-33347	65	3	social	social	ADJ
cjfa-33347	65	4	media	medium	NOUN
cjfa-33347	65	5	disclosure	disclosure	NOUN
cjfa-33347	65	6	by	by	ADP
cjfa-33347	65	7	the	the	DET
cjfa-33347	65	8	potential	potential	ADJ
cjfa-33347	65	9	borrower	borrower	NOUN
cjfa-33347	65	10	,	,	PUNCT
cjfa-33347	65	11	the	the	DET
cjfa-33347	65	12	probability	probability	NOUN
cjfa-33347	65	13	of	of	ADP
cjfa-33347	65	14	getting	get	VERB
cjfa-33347	65	15	a	a	DET
cjfa-33347	65	16	loan	loan	NOUN
cjfa-33347	65	17	is	be	AUX
cjfa-33347	65	18	high	high	ADJ
cjfa-33347	65	19	for	for	ADP
cjfa-33347	65	20	the	the	DET
cjfa-33347	65	21	borrower	borrower	NOUN
cjfa-33347	65	22	with	with	ADP
cjfa-33347	65	23	more	more	ADJ
cjfa-33347	65	24	friends	friend	NOUN
cjfa-33347	65	25	,	,	PUNCT
cjfa-33347	65	26	and	and	CCONJ
cjfa-33347	65	27	the	the	DET
cjfa-33347	65	28	probability	probability	NOUN
cjfa-33347	65	29	of	of	ADP
cjfa-33347	65	30	loan	loan	NOUN
cjfa-33347	65	31	default	default	NOUN
cjfa-33347	65	32	is	be	AUX
cjfa-33347	65	33	lower	low	ADJ
cjfa-33347	65	34	(	(	PUNCT
cjfa-33347	65	35	lin	lin	PROPN
cjfa-33347	65	36	,	,	PUNCT
cjfa-33347	65	37	prabhala	prabhala	PROPN
cjfa-33347	65	38	&	&	CCONJ
cjfa-33347	65	39	viswanathan	viswanathan	PROPN
cjfa-33347	65	40	,	,	PUNCT
cjfa-33347	65	41	2013	2013	NUM
cjfa-33347	65	42	)	)	PUNCT
cjfa-33347	65	43	.	.	PUNCT
cjfa-33347	66	1	research	research	NOUN
cjfa-33347	66	2	steered	steer	VERB
cjfa-33347	66	3	by	by	ADP
cjfa-33347	66	4	liu	liu	PROPN
cjfa-33347	66	5	,	,	PUNCT
cjfa-33347	66	6	brass	brass	NOUN
cjfa-33347	66	7	,	,	PUNCT
cjfa-33347	66	8	lu	lu	PROPN
cjfa-33347	66	9	,	,	PUNCT
cjfa-33347	66	10	and	and	CCONJ
cjfa-33347	66	11	chen	chen	PROPN
cjfa-33347	66	12	(	(	PUNCT
cjfa-33347	66	13	2015	2015	NUM
cjfa-33347	66	14	)	)	PUNCT
cjfa-33347	66	15	on	on	ADP
cjfa-33347	66	16	p2p	p2p	NOUN
cjfa-33347	66	17	lending	lend	VERB
cjfa-33347	66	18	in	in	ADP
cjfa-33347	66	19	china	china	PROPN
cjfa-33347	66	20	also	also	ADV
cjfa-33347	66	21	identified	identify	VERB
cjfa-33347	66	22	that	that	SCONJ
cjfa-33347	66	23	friendship	friendship	NOUN
cjfa-33347	66	24	and	and	CCONJ
cjfa-33347	66	25	group	group	NOUN
cjfa-33347	66	26	affect	affect	VERB
cjfa-33347	66	27	the	the	DET
cjfa-33347	66	28	economic	economic	ADJ
cjfa-33347	66	29	decision	decision	NOUN
cjfa-33347	66	30	of	of	ADP
cjfa-33347	66	31	lenders	lender	NOUN
cjfa-33347	66	32	as	as	ADV
cjfa-33347	66	33	well	well	ADV
cjfa-33347	66	34	as	as	ADP
cjfa-33347	66	35	borrowers	borrower	NOUN
cjfa-33347	66	36	of	of	ADP
cjfa-33347	66	37	p2p	p2p	NOUN
cjfa-33347	66	38	lending	lending	NOUN
cjfa-33347	66	39	.	.	PUNCT
cjfa-33347	67	1	however	however	ADV
cjfa-33347	67	2	,	,	PUNCT
cjfa-33347	67	3	it	it	PRON
cjfa-33347	67	4	is	be	AUX
cjfa-33347	67	5	also	also	ADV
cjfa-33347	67	6	difficult	difficult	ADJ
cjfa-33347	67	7	to	to	PART
cjfa-33347	67	8	ascertain	ascertain	VERB
cjfa-33347	67	9	the	the	DET
cjfa-33347	67	10	validity	validity	NOUN
cjfa-33347	67	11	of	of	ADP
cjfa-33347	67	12	the	the	DET
cjfa-33347	67	13	information	information	NOUN
cjfa-33347	67	14	that	that	PRON
cjfa-33347	67	15	is	be	AUX
cjfa-33347	67	16	provided	provide	VERB
cjfa-33347	67	17	in	in	ADP
cjfa-33347	67	18	social	social	ADJ
cjfa-33347	67	19	media	medium	NOUN
cjfa-33347	67	20	to	to	PART
cjfa-33347	67	21	select	select	VERB
cjfa-33347	67	22	the	the	DET
cjfa-33347	67	23	creditworthy	creditworthy	ADJ
cjfa-33347	67	24	borrowers	borrower	NOUN
cjfa-33347	67	25	.	.	PUNCT
cjfa-33347	68	1	lin	lin	PROPN
cjfa-33347	68	2	et	et	PROPN
cjfa-33347	68	3	al	al	PROPN
cjfa-33347	68	4	.	.	PROPN
cjfa-33347	69	1	(	(	PUNCT
cjfa-33347	69	2	2013	2013	NUM
cjfa-33347	69	3	)	)	PUNCT
cjfa-33347	69	4	emphasized	emphasize	VERB
cjfa-33347	69	5	that	that	SCONJ
cjfa-33347	69	6	default	default	NOUN
cjfa-33347	69	7	risk	risk	NOUN
cjfa-33347	69	8	is	be	AUX
cjfa-33347	69	9	minimal	minimal	ADJ
cjfa-33347	69	10	when	when	SCONJ
cjfa-33347	69	11	the	the	DET
cjfa-33347	69	12	p2p	p2p	NOUN
cjfa-33347	69	13	lending	lending	NOUN
cjfa-33347	69	14	platform	platform	NOUN
cjfa-33347	69	15	establishes	establish	VERB
cjfa-33347	69	16	a	a	DET
cjfa-33347	69	17	personal	personal	ADJ
cjfa-33347	69	18	relationship	relationship	NOUN
cjfa-33347	69	19	with	with	ADP
cjfa-33347	69	20	the	the	DET
cjfa-33347	69	21	borrowers	borrower	NOUN
cjfa-33347	69	22	.	.	PUNCT
cjfa-33347	70	1	similarly	similarly	ADV
cjfa-33347	70	2	,	,	PUNCT
cjfa-33347	70	3	everett	everett	PROPN
cjfa-33347	70	4	nadia	nadia	PROPN
cjfa-33347	70	5	nahar	nahar	PROPN
cjfa-33347	70	6	purkayastha	purkayastha	PROPN
cjfa-33347	70	7	,	,	PUNCT
cjfa-33347	70	8	şule	şule	ADJ
cjfa-33347	70	9	erdem	erdem	NOUN
cjfa-33347	70	10	tuzlukaya136	tuzlukaya136	PROPN
cjfa-33347	70	11	(	(	PUNCT
cjfa-33347	70	12	2019	2019	NUM
cjfa-33347	70	13	)	)	PUNCT
cjfa-33347	70	14	confirmed	confirm	VERB
cjfa-33347	70	15	that	that	SCONJ
cjfa-33347	70	16	a	a	DET
cjfa-33347	70	17	good	good	ADJ
cjfa-33347	70	18	relationship	relationship	NOUN
cjfa-33347	70	19	between	between	ADP
cjfa-33347	70	20	borrowers	borrower	NOUN
cjfa-33347	70	21	and	and	CCONJ
cjfa-33347	70	22	p2p	p2p	NOUN
cjfa-33347	70	23	lending	lending	NOUN
cjfa-33347	70	24	reduces	reduce	VERB
cjfa-33347	70	25	the	the	DET
cjfa-33347	70	26	chance	chance	NOUN
cjfa-33347	70	27	of	of	ADP
cjfa-33347	70	28	moral	moral	ADJ
cjfa-33347	70	29	hazard	hazard	NOUN
cjfa-33347	70	30	issues	issue	NOUN
cjfa-33347	70	31	.	.	PUNCT
cjfa-33347	71	1	social	social	ADJ
cjfa-33347	71	2	networks	network	NOUN
cjfa-33347	71	3	for	for	ADP
cjfa-33347	71	4	indirect	indirect	ADJ
cjfa-33347	71	5	p2p	p2p	NOUN
cjfa-33347	71	6	why	why	SCONJ
cjfa-33347	71	7	indirect	indirect	ADJ
cjfa-33347	71	8	p2p	p2p	NOUN
cjfa-33347	71	9	lending	lending	NOUN
cjfa-33347	71	10	platforms	platform	NOUN
cjfa-33347	71	11	are	be	AUX
cjfa-33347	71	12	growing	grow	VERB
cjfa-33347	71	13	when	when	SCONJ
cjfa-33347	71	14	potential	potential	ADJ
cjfa-33347	71	15	borrowers	borrower	NOUN
cjfa-33347	71	16	can	can	AUX
cjfa-33347	71	17	have	have	VERB
cjfa-33347	71	18	easy	easy	ADJ
cjfa-33347	71	19	access	access	NOUN
cjfa-33347	71	20	to	to	ADP
cjfa-33347	71	21	direct	direct	ADJ
cjfa-33347	71	22	p2p	p2p	NOUN
cjfa-33347	71	23	through	through	ADP
cjfa-33347	71	24	an	an	DET
cjfa-33347	71	25	online	online	ADJ
cjfa-33347	71	26	social	social	ADJ
cjfa-33347	71	27	network	network	NOUN
cjfa-33347	71	28	?	?	PUNCT
cjfa-33347	72	1	because	because	SCONJ
cjfa-33347	72	2	indirect	indirect	ADJ
cjfa-33347	72	3	p2p	p2p	NOUN
cjfa-33347	72	4	models	model	NOUN
cjfa-33347	72	5	usually	usually	ADV
cjfa-33347	72	6	contribute	contribute	VERB
cjfa-33347	72	7	to	to	ADP
cjfa-33347	72	8	microcredit	microcredit	NOUN
cjfa-33347	72	9	or	or	CCONJ
cjfa-33347	72	10	crowdfunding2	crowdfunding2	NOUN
cjfa-33347	72	11	through	through	ADP
cjfa-33347	72	12	social	social	ADJ
cjfa-33347	72	13	networks	network	NOUN
cjfa-33347	72	14	to	to	ADP
cjfa-33347	72	15	less	less	ADV
cjfa-33347	72	16	privileged	privileged	ADJ
cjfa-33347	72	17	people	people	NOUN
cjfa-33347	72	18	(	(	PUNCT
cjfa-33347	72	19	uddin	uddin	PROPN
cjfa-33347	72	20	,	,	PUNCT
cjfa-33347	72	21	vizzari	vizzari	PROPN
cjfa-33347	72	22	,	,	PUNCT
cjfa-33347	72	23	bandini	bandini	PROPN
cjfa-33347	72	24	&	&	CCONJ
cjfa-33347	72	25	imam	imam	PROPN
cjfa-33347	72	26	,	,	PUNCT
cjfa-33347	72	27	2018	2018	NUM
cjfa-33347	72	28	;	;	PUNCT
cjfa-33347	72	29	herrero	herrero	NOUN
cjfa-33347	72	30	-	-	PUNCT
cjfa-33347	72	31	lopez	lopez	NOUN
cjfa-33347	72	32	,	,	PUNCT
cjfa-33347	72	33	2009	2009	NUM
cjfa-33347	72	34	)	)	PUNCT
cjfa-33347	72	35	.	.	PUNCT
cjfa-33347	73	1	indirect	indirect	ADJ
cjfa-33347	73	2	p2p	p2p	NOUN
cjfa-33347	73	3	is	be	AUX
cjfa-33347	73	4	needed	need	VERB
cjfa-33347	73	5	for	for	ADP
cjfa-33347	73	6	the	the	DET
cjfa-33347	73	7	poor	poor	ADJ
cjfa-33347	73	8	who	who	PRON
cjfa-33347	73	9	are	be	AUX
cjfa-33347	73	10	not	not	PART
cjfa-33347	73	11	eligible	eligible	ADJ
cjfa-33347	73	12	to	to	PART
cjfa-33347	73	13	gain	gain	VERB
cjfa-33347	73	14	access	access	NOUN
cjfa-33347	73	15	to	to	ADP
cjfa-33347	73	16	formal	formal	ADJ
cjfa-33347	73	17	financial	financial	ADJ
cjfa-33347	73	18	services	service	NOUN
cjfa-33347	73	19	due	due	ADJ
cjfa-33347	73	20	to	to	ADP
cjfa-33347	73	21	missing	miss	VERB
cjfa-33347	73	22	access	access	NOUN
cjfa-33347	73	23	to	to	ADP
cjfa-33347	73	24	financial	financial	ADJ
cjfa-33347	73	25	security	security	NOUN
cjfa-33347	73	26	and	and	CCONJ
cjfa-33347	73	27	technology	technology	NOUN
cjfa-33347	73	28	skills	skill	NOUN
cjfa-33347	73	29	,	,	PUNCT
cjfa-33347	73	30	stable	stable	ADJ
cjfa-33347	73	31	employment	employment	NOUN
cjfa-33347	73	32	,	,	PUNCT
cjfa-33347	73	33	and	and	CCONJ
cjfa-33347	73	34	certifiable	certifiable	ADJ
cjfa-33347	73	35	credit	credit	NOUN
cjfa-33347	73	36	description	description	NOUN
cjfa-33347	73	37	(	(	PUNCT
cjfa-33347	73	38	bauchet	bauchet	PROPN
cjfa-33347	73	39	,	,	PUNCT
cjfa-33347	73	40	marshall	marshall	PROPN
cjfa-33347	73	41	,	,	PUNCT
cjfa-33347	73	42	starita	starita	NOUN
cjfa-33347	73	43	,	,	PUNCT
cjfa-33347	73	44	thomas	thomas	PROPN
cjfa-33347	73	45	&	&	CCONJ
cjfa-33347	73	46	yalouris	yalouris	PROPN
cjfa-33347	73	47	,	,	PUNCT
cjfa-33347	73	48	2011	2011	NUM
cjfa-33347	73	49	)	)	PUNCT
cjfa-33347	73	50	.	.	PUNCT
cjfa-33347	74	1	lender	lender	NOUN
cjfa-33347	74	2	of	of	ADP
cjfa-33347	74	3	indirect	indirect	ADJ
cjfa-33347	74	4	p2p	p2p	NOUN
cjfa-33347	74	5	gets	get	VERB
cjfa-33347	74	6	only	only	ADV
cjfa-33347	74	7	the	the	DET
cjfa-33347	74	8	loan	loan	NOUN
cjfa-33347	74	9	principal	principal	NOUN
cjfa-33347	74	10	or	or	CCONJ
cjfa-33347	74	11	both	both	DET
cjfa-33347	74	12	principal	principal	ADJ
cjfa-33347	74	13	amount	amount	NOUN
cjfa-33347	74	14	and	and	CCONJ
cjfa-33347	74	15	interest	interest	NOUN
cjfa-33347	74	16	depend	depend	VERB
cjfa-33347	74	17	on	on	ADP
cjfa-33347	74	18	the	the	DET
cjfa-33347	74	19	model	model	NOUN
cjfa-33347	74	20	of	of	ADP
cjfa-33347	74	21	business	business	NOUN
cjfa-33347	74	22	strategy	strategy	NOUN
cjfa-33347	74	23	(	(	PUNCT
cjfa-33347	74	24	uddin	uddin	NOUN
cjfa-33347	74	25	et	et	PROPN
cjfa-33347	74	26	al	al	PROPN
cjfa-33347	74	27	.	.	PROPN
cjfa-33347	74	28	,	,	PUNCT
cjfa-33347	74	29	2018	2018	NUM
cjfa-33347	74	30	)	)	PUNCT
cjfa-33347	74	31	.	.	PUNCT
cjfa-33347	75	1	indirect	indirect	ADJ
cjfa-33347	75	2	p2p	p2p	NOUN
cjfa-33347	75	3	like	like	ADP
cjfa-33347	75	4	rang	ring	VERB
cjfa-33347	75	5	de	de	PROPN
cjfa-33347	75	6	,	,	PUNCT
cjfa-33347	75	7	kiva	kiva	PROPN
cjfa-33347	75	8	,	,	PUNCT
cjfa-33347	75	9	zidisha	zidisha	PROPN
cjfa-33347	75	10	,	,	PUNCT
cjfa-33347	75	11	myc4	myc4	NOUN
cjfa-33347	75	12	operate	operate	VERB
cjfa-33347	75	13	lending	lending	NOUN
cjfa-33347	75	14	activities	activity	NOUN
cjfa-33347	75	15	via	via	ADP
cjfa-33347	75	16	social	social	ADJ
cjfa-33347	75	17	networks	network	NOUN
cjfa-33347	75	18	where	where	SCONJ
cjfa-33347	75	19	borrowers	borrower	NOUN
cjfa-33347	75	20	turn	turn	VERB
cjfa-33347	75	21	to	to	ADP
cjfa-33347	75	22	the	the	DET
cjfa-33347	75	23	field	field	NOUN
cjfa-33347	75	24	partners	partner	NOUN
cjfa-33347	75	25	or	or	CCONJ
cjfa-33347	75	26	local	local	ADJ
cjfa-33347	75	27	financial	financial	ADJ
cjfa-33347	75	28	institutions	institution	NOUN
cjfa-33347	75	29	who	who	PRON
cjfa-33347	75	30	works	work	VERB
cjfa-33347	75	31	as	as	ADP
cjfa-33347	75	32	a	a	DET
cjfa-33347	75	33	support	support	NOUN
cjfa-33347	75	34	system	system	NOUN
cjfa-33347	75	35	and	and	CCONJ
cjfa-33347	75	36	appeals	appeal	NOUN
cjfa-33347	75	37	for	for	ADP
cjfa-33347	75	38	a	a	DET
cjfa-33347	75	39	loan	loan	NOUN
cjfa-33347	75	40	.	.	PUNCT
cjfa-33347	76	1	hassett	hassett	PROPN
cjfa-33347	76	2	,	,	PUNCT
cjfa-33347	76	3	bergeron	bergeron	PROPN
cjfa-33347	76	4	,	,	PUNCT
cjfa-33347	76	5	kreger	kreger	PROPN
cjfa-33347	76	6	,	,	PUNCT
cjfa-33347	76	7	looft	looft	PROPN
cjfa-33347	76	8	,	,	PUNCT
cjfa-33347	76	9	allen	allen	PROPN
cjfa-33347	76	10	,	,	PUNCT
cjfa-33347	76	11	and	and	CCONJ
cjfa-33347	76	12	dubbe	dubbe	NOUN
cjfa-33347	76	13	(	(	PUNCT
cjfa-33347	76	14	2011	2011	NUM
cjfa-33347	76	15	)	)	PUNCT
cjfa-33347	76	16	identified	identify	VERB
cjfa-33347	76	17	two	two	NUM
cjfa-33347	76	18	types	type	NOUN
cjfa-33347	76	19	of	of	ADP
cjfa-33347	76	20	indirect	indirect	ADJ
cjfa-33347	76	21	lending	lending	NOUN
cjfa-33347	76	22	models	model	NOUN
cjfa-33347	76	23	:	:	PUNCT
cjfa-33347	76	24	lending	lend	VERB
cjfa-33347	76	25	for	for	ADP
cjfa-33347	76	26	-	-	PUNCT
cjfa-33347	76	27	profit	profit	NOUN
cjfa-33347	76	28	and	and	CCONJ
cjfa-33347	76	29	not	not	PART
cjfa-33347	76	30	-	-	PUNCT
cjfa-33347	76	31	for	for	ADP
cjfa-33347	76	32	-	-	PUNCT
cjfa-33347	76	33	profit	profit	NOUN
cjfa-33347	76	34	.	.	PUNCT
cjfa-33347	77	1	the	the	DET
cjfa-33347	77	2	authors	author	NOUN
cjfa-33347	77	3	argued	argue	VERB
cjfa-33347	77	4	that	that	SCONJ
cjfa-33347	77	5	indirect	indirect	ADJ
cjfa-33347	77	6	p2p	p2p	NOUN
cjfa-33347	77	7	platforms	platform	NOUN
cjfa-33347	77	8	can	can	AUX
cjfa-33347	77	9	be	be	AUX
cjfa-33347	77	10	considered	consider	VERB
cjfa-33347	77	11	as	as	ADP
cjfa-33347	77	12	lending	lend	VERB
cjfa-33347	77	13	for	for	ADP
cjfa-33347	77	14	-	-	PUNCT
cjfa-33347	77	15	profit	profit	NOUN
cjfa-33347	77	16	as	as	ADV
cjfa-33347	77	17	well	well	ADV
cjfa-33347	77	18	as	as	ADP
cjfa-33347	77	19	not	not	PART
cjfa-33347	77	20	-	-	PUNCT
cjfa-33347	77	21	for	for	ADP
cjfa-33347	77	22	-	-	PUNCT
cjfa-33347	77	23	profit	profit	NOUN
cjfa-33347	77	24	or	or	CCONJ
cjfa-33347	77	25	pro	pro	ADJ
cjfa-33347	77	26	-	-	ADJ
cjfa-33347	77	27	social	social	ADJ
cjfa-33347	77	28	lending	lending	NOUN
cjfa-33347	77	29	platforms	platform	NOUN
cjfa-33347	77	30	.	.	PUNCT
cjfa-33347	78	1	for	for	ADP
cjfa-33347	78	2	example	example	NOUN
cjfa-33347	78	3	,	,	PUNCT
cjfa-33347	78	4	myc4	myc4	PROPN
cjfa-33347	78	5	is	be	AUX
cjfa-33347	78	6	an	an	DET
cjfa-33347	78	7	indirect	indirect	ADJ
cjfa-33347	78	8	p2p	p2p	NOUN
cjfa-33347	78	9	platform	platform	NOUN
cjfa-33347	78	10	founded	found	VERB
cjfa-33347	78	11	in	in	ADP
cjfa-33347	78	12	2006	2006	NUM
cjfa-33347	78	13	as	as	ADP
cjfa-33347	78	14	a	a	DET
cjfa-33347	78	15	for	for	ADP
cjfa-33347	78	16	-	-	PUNCT
cjfa-33347	78	17	profit	profit	NOUN
cjfa-33347	78	18	(	(	PUNCT
cjfa-33347	78	19	dorfleitner	dorfleitner	NOUN
cjfa-33347	78	20	et	et	PROPN
cjfa-33347	78	21	al	al	PROPN
cjfa-33347	78	22	.	.	PROPN
cjfa-33347	78	23	,	,	PUNCT
cjfa-33347	78	24	2019	2019	NUM
cjfa-33347	78	25	;	;	PUNCT
cjfa-33347	78	26	bachmann	bachmann	PROPN
cjfa-33347	78	27	et	et	PROPN
cjfa-33347	78	28	al	al	PROPN
cjfa-33347	78	29	.	.	PROPN
cjfa-33347	78	30	,	,	PUNCT
cjfa-33347	78	31	2011	2011	NUM
cjfa-33347	78	32	)	)	PUNCT
cjfa-33347	78	33	.	.	PUNCT
cjfa-33347	79	1	wokaiis	wokaiis	PROPN
cjfa-33347	79	2	as	as	ADP
cjfa-33347	79	3	another	another	DET
cjfa-33347	79	4	chinese	chinese	ADJ
cjfa-33347	79	5	p2p	p2p	NOUN
cjfa-33347	79	6	lending	lending	NOUN
cjfa-33347	79	7	platform	platform	NOUN
cjfa-33347	79	8	also	also	ADV
cjfa-33347	79	9	provides	provide	VERB
cjfa-33347	79	10	p2p	p2p	NOUN
cjfa-33347	79	11	lending	lend	VERB
cjfa-33347	79	12	for	for	ADP
cjfa-33347	79	13	profit	profit	NOUN
cjfa-33347	79	14	.	.	PUNCT
cjfa-33347	80	1	lenders	lender	NOUN
cjfa-33347	80	2	of	of	ADP
cjfa-33347	80	3	“	"	PUNCT
cjfa-33347	80	4	for	for	ADP
cjfa-33347	80	5	-	-	PUNCT
cjfa-33347	80	6	profit	profit	NOUN
cjfa-33347	80	7	platforms	platform	NOUN
cjfa-33347	80	8	”	"	PUNCT
cjfa-33347	80	9	,	,	PUNCT
cjfa-33347	80	10	receive	receive	VERB
cjfa-33347	80	11	a	a	DET
cjfa-33347	80	12	financial	financial	ADJ
cjfa-33347	80	13	return	return	NOUN
cjfa-33347	80	14	from	from	ADP
cjfa-33347	80	15	their	their	PRON
cjfa-33347	80	16	socially	socially	ADV
cjfa-33347	80	17	motivated	motivated	ADJ
cjfa-33347	80	18	investment	investment	NOUN
cjfa-33347	80	19	capital	capital	NOUN
cjfa-33347	80	20	“	"	PUNCT
cjfa-33347	80	21	dutch	dutch	ADJ
cjfa-33347	80	22	auction	auction	NOUN
cjfa-33347	80	23	”	"	PUNCT
cjfa-33347	80	24	on	on	ADP
cjfa-33347	80	25	the	the	DET
cjfa-33347	80	26	sites	site	NOUN
cjfa-33347	80	27	,	,	PUNCT
cjfa-33347	80	28	where	where	SCONJ
cjfa-33347	80	29	the	the	DET
cjfa-33347	80	30	cost	cost	NOUN
cjfa-33347	80	31	of	of	ADP
cjfa-33347	80	32	fund	fund	NOUN
cjfa-33347	80	33	is	be	AUX
cjfa-33347	80	34	reduced	reduce	VERB
cjfa-33347	80	35	till	till	SCONJ
cjfa-33347	80	36	a	a	DET
cjfa-33347	80	37	borrower	borrower	NOUN
cjfa-33347	80	38	is	be	AUX
cjfa-33347	80	39	found	find	VERB
cjfa-33347	80	40	.	.	PUNCT
cjfa-33347	81	1	conversely	conversely	ADV
cjfa-33347	81	2	,	,	PUNCT
cjfa-33347	81	3	jenq	jenq	NOUN
cjfa-33347	81	4	et	et	VERB
cjfa-33347	81	5	at	at	ADP
cjfa-33347	81	6	.	.	PUNCT
cjfa-33347	82	1	(	(	PUNCT
cjfa-33347	82	2	2012	2012	NUM
cjfa-33347	82	3	)	)	PUNCT
cjfa-33347	82	4	identified	identify	VERB
cjfa-33347	82	5	kiva	kiva	NOUN
cjfa-33347	82	6	as	as	ADP
cjfa-33347	82	7	a	a	DET
cjfa-33347	82	8	not	not	PART
cjfa-33347	82	9	-	-	PUNCT
cjfa-33347	82	10	for	for	ADP
cjfa-33347	82	11	-	-	PUNCT
cjfa-33347	82	12	profit	profit	NOUN
cjfa-33347	82	13	p2p	p2p	NOUN
cjfa-33347	82	14	lending	lending	NOUN
cjfa-33347	82	15	platform	platform	NOUN
cjfa-33347	82	16	and	and	CCONJ
cjfa-33347	82	17	found	find	VERB
cjfa-33347	82	18	that	that	SCONJ
cjfa-33347	82	19	kiva	kiva	PROPN
cjfa-33347	82	20	operates	operate	VERB
cjfa-33347	82	21	through	through	ADP
cjfa-33347	82	22	local	local	ADJ
cjfa-33347	82	23	microfinance	microfinance	NOUN
cjfa-33347	82	24	institutions	institution	NOUN
cjfa-33347	82	25	(	(	PUNCT
cjfa-33347	82	26	mfi)3	mfi)3	PROPN
cjfa-33347	82	27	,	,	PUNCT
cjfa-33347	82	28	social	social	ADJ
cjfa-33347	82	29	enterprises	enterprise	NOUN
cjfa-33347	82	30	,	,	PUNCT
cjfa-33347	82	31	schools	school	NOUN
cjfa-33347	82	32	,	,	PUNCT
cjfa-33347	82	33	and	and	CCONJ
cjfa-33347	82	34	non	non	ADJ
cjfa-33347	82	35	-	-	ADJ
cjfa-33347	82	36	governmental	governmental	ADJ
cjfa-33347	82	37	organizations	organization	NOUN
cjfa-33347	82	38	(	(	PUNCT
cjfa-33347	82	39	ngos	ngo	NOUN
cjfa-33347	82	40	)	)	PUNCT
cjfa-33347	82	41	act	act	NOUN
cjfa-33347	82	42	as	as	ADP
cjfa-33347	82	43	fields	field	NOUN
cjfa-33347	82	44	partners	partner	NOUN
cjfa-33347	82	45	or	or	CCONJ
cjfa-33347	82	46	intermediary	intermediary	ADJ
cjfa-33347	82	47	agents	agent	NOUN
cjfa-33347	82	48	between	between	ADP
cjfa-33347	82	49	lenders	lender	NOUN
cjfa-33347	82	50	and	and	CCONJ
cjfa-33347	82	51	bor2	bor2	PROPN
cjfa-33347	82	52	 	 	SPACE
cjfa-33347	82	53	according	accord	VERB
cjfa-33347	82	54	to	to	ADP
cjfa-33347	82	55	american	american	PROPN
cjfa-33347	82	56	business	business	PROPN
cjfa-33347	82	57	magazine	magazine	PROPN
cjfa-33347	82	58	forbes	forbes	PROPN
cjfa-33347	82	59	(	(	PUNCT
cjfa-33347	82	60	2018	2018	NUM
cjfa-33347	82	61	)	)	PUNCT
cjfa-33347	82	62	“	"	PUNCT
cjfa-33347	82	63	crowdfunding	crowdfunde	VERB
cjfa-33347	82	64	is	be	AUX
cjfa-33347	82	65	a	a	DET
cjfa-33347	82	66	process	process	NOUN
cjfa-33347	82	67	of	of	ADP
cjfa-33347	82	68	raising	raise	VERB
cjfa-33347	82	69	a	a	DET
cjfa-33347	82	70	small	small	ADJ
cjfa-33347	82	71	amount	amount	NOUN
cjfa-33347	82	72	of	of	ADP
cjfa-33347	82	73	loan	loan	NOUN
cjfa-33347	82	74	from	from	ADP
cjfa-33347	82	75	large	large	ADJ
cjfa-33347	82	76	group	group	NOUN
cjfa-33347	82	77	of	of	ADP
cjfa-33347	82	78	people	people	NOUN
cjfa-33347	82	79	typically	typically	ADV
cjfa-33347	82	80	through	through	ADP
cjfa-33347	82	81	an	an	DET
cjfa-33347	82	82	online	online	ADJ
cjfa-33347	82	83	platform	platform	NOUN
cjfa-33347	82	84	”	"	PUNCT
cjfa-33347	82	85	.	.	PUNCT
cjfa-33347	83	1	3	3	NUM
cjfa-33347	83	2	 	 	SPACE
cjfa-33347	83	3	lam	lam	PROPN
cjfa-33347	83	4	,	,	PUNCT
cjfa-33347	83	5	zhang	zhang	PROPN
cjfa-33347	83	6	,	,	PUNCT
cjfa-33347	83	7	ang	ang	PROPN
cjfa-33347	83	8	,	,	PUNCT
cjfa-33347	83	9	and	and	CCONJ
cjfa-33347	83	10	jacob	jacob	PROPN
cjfa-33347	83	11	(	(	PUNCT
cjfa-33347	83	12	2020	2020	NUM
cjfa-33347	83	13	)	)	PUNCT
cjfa-33347	83	14	defined	define	VERB
cjfa-33347	83	15	microfinance	microfinance	NOUN
cjfa-33347	83	16	institutions	institution	NOUN
cjfa-33347	83	17	(	(	PUNCT
cjfa-33347	83	18	mfis	mfis	PROPN
cjfa-33347	83	19	)	)	PUNCT
cjfa-33347	83	20	as	as	ADP
cjfa-33347	83	21	hybrid	hybrid	ADJ
cjfa-33347	83	22	organizations	organization	NOUN
cjfa-33347	83	23	with	with	ADP
cjfa-33347	83	24	the	the	DET
cjfa-33347	83	25	dual	dual	ADJ
cjfa-33347	83	26	mission	mission	NOUN
cjfa-33347	83	27	of	of	ADP
cjfa-33347	83	28	financial	financial	ADJ
cjfa-33347	83	29	sustainability	sustainability	NOUN
cjfa-33347	83	30	and	and	CCONJ
cjfa-33347	83	31	social	social	ADJ
cjfa-33347	83	32	purpose	purpose	NOUN
cjfa-33347	83	33	.	.	PUNCT
cjfa-33347	84	1	determination	determination	NOUN
cjfa-33347	84	2	of	of	ADP
cjfa-33347	84	3	the	the	DET
cjfa-33347	84	4	benefits	benefit	NOUN
cjfa-33347	84	5	and	and	CCONJ
cjfa-33347	84	6	risks	risk	NOUN
cjfa-33347	84	7	of	of	ADP
cjfa-33347	84	8	peer	peer	NOUN
cjfa-33347	84	9	-	-	PUNCT
cjfa-33347	84	10	to	to	ADP
cjfa-33347	84	11	-	-	PUNCT
cjfa-33347	84	12	peer	peer	NOUN
cjfa-33347	84	13	…	…	PUNCT
cjfa-33347	84	14	137	137	NUM
cjfa-33347	84	15	rowers	rower	NOUN
cjfa-33347	84	16	in	in	ADP
cjfa-33347	84	17	developing	develop	VERB
cjfa-33347	84	18	countries	country	NOUN
cjfa-33347	84	19	to	to	PART
cjfa-33347	84	20	improve	improve	VERB
cjfa-33347	84	21	the	the	DET
cjfa-33347	84	22	lives	life	NOUN
cjfa-33347	84	23	of	of	ADP
cjfa-33347	84	24	the	the	DET
cjfa-33347	84	25	poor	poor	ADJ
cjfa-33347	84	26	.	.	PUNCT
cjfa-33347	85	1	research	research	NOUN
cjfa-33347	85	2	by	by	ADP
cjfa-33347	85	3	zhao	zhao	PROPN
cjfa-33347	85	4	,	,	PUNCT
cjfa-33347	85	5	ge	ge	PROPN
cjfa-33347	85	6	,	,	PUNCT
cjfa-33347	85	7	liu	liu	PROPN
cjfa-33347	85	8	,	,	PUNCT
cjfa-33347	85	9	wang	wang	PROPN
cjfa-33347	85	10	,	,	PUNCT
cjfa-33347	85	11	chen	chen	PROPN
cjfa-33347	85	12	,	,	PUNCT
cjfa-33347	85	13	and	and	CCONJ
cjfa-33347	85	14	zhang	zhang	PROPN
cjfa-33347	85	15	(	(	PUNCT
cjfa-33347	85	16	2017	2017	NUM
cjfa-33347	85	17	)	)	PUNCT
cjfa-33347	85	18	revealed	reveal	VERB
cjfa-33347	85	19	that	that	SCONJ
cjfa-33347	85	20	kiva	kiva	PROPN
cjfa-33347	85	21	borrowers	borrower	NOUN
cjfa-33347	85	22	do	do	AUX
cjfa-33347	85	23	not	not	PART
cjfa-33347	85	24	lend	lend	VERB
cjfa-33347	85	25	directly	directly	ADV
cjfa-33347	85	26	from	from	ADP
cjfa-33347	85	27	the	the	DET
cjfa-33347	85	28	platforms	platform	NOUN
cjfa-33347	85	29	but	but	CCONJ
cjfa-33347	85	30	through	through	ADP
cjfa-33347	85	31	field	field	NOUN
cjfa-33347	85	32	partners	partner	NOUN
cjfa-33347	85	33	.	.	PUNCT
cjfa-33347	86	1	according	accord	VERB
cjfa-33347	86	2	to	to	ADP
cjfa-33347	86	3	kiva.org	kiva.org	PROPN
cjfa-33347	86	4	individuals	individual	NOUN
cjfa-33347	86	5	can	can	AUX
cjfa-33347	86	6	lend	lend	VERB
cjfa-33347	86	7	as	as	ADV
cjfa-33347	86	8	little	little	ADJ
cjfa-33347	86	9	as	as	ADP
cjfa-33347	86	10	$	$	SYM
cjfa-33347	86	11	25	25	NUM
cjfa-33347	86	12	to	to	PART
cjfa-33347	86	13	create	create	VERB
cjfa-33347	86	14	opportunities	opportunity	NOUN
cjfa-33347	86	15	for	for	ADP
cjfa-33347	86	16	borrowers	borrower	NOUN
cjfa-33347	86	17	and	and	CCONJ
cjfa-33347	86	18	the	the	DET
cjfa-33347	86	19	platforms	platform	NOUN
cjfa-33347	86	20	create	create	VERB
cjfa-33347	86	21	revenues	revenue	NOUN
cjfa-33347	86	22	from	from	ADP
cjfa-33347	86	23	donations	donation	NOUN
cjfa-33347	86	24	,	,	PUNCT
cjfa-33347	86	25	optional	optional	ADJ
cjfa-33347	86	26	lender	lender	NOUN
cjfa-33347	86	27	fees	fee	NOUN
cjfa-33347	86	28	,	,	PUNCT
cjfa-33347	86	29	and	and	CCONJ
cjfa-33347	86	30	other	other	ADJ
cjfa-33347	86	31	sources	source	NOUN
cjfa-33347	86	32	.	.	PUNCT
cjfa-33347	87	1	kiva	kiva	PROPN
cjfa-33347	87	2	borrowers	borrower	NOUN
cjfa-33347	87	3	only	only	ADV
cjfa-33347	87	4	need	need	VERB
cjfa-33347	87	5	to	to	PART
cjfa-33347	87	6	repay	repay	VERB
cjfa-33347	87	7	the	the	DET
cjfa-33347	87	8	principal	principal	NOUN
cjfa-33347	87	9	to	to	ADP
cjfa-33347	87	10	lenders	lender	NOUN
cjfa-33347	87	11	without	without	ADP
cjfa-33347	87	12	any	any	DET
cjfa-33347	87	13	interest	interest	NOUN
cjfa-33347	87	14	(	(	PUNCT
cjfa-33347	87	15	hartley	hartley	PROPN
cjfa-33347	87	16	,	,	PUNCT
cjfa-33347	87	17	2010	2010	NUM
cjfa-33347	87	18	)	)	PUNCT
cjfa-33347	87	19	field	field	NOUN
cjfa-33347	87	20	partners	partner	NOUN
cjfa-33347	87	21	review	review	VERB
cjfa-33347	87	22	the	the	DET
cjfa-33347	87	23	information	information	NOUN
cjfa-33347	87	24	,	,	PUNCT
cjfa-33347	87	25	the	the	DET
cjfa-33347	87	26	purpose	purpose	NOUN
cjfa-33347	87	27	of	of	ADP
cjfa-33347	87	28	the	the	DET
cjfa-33347	87	29	loan	loan	NOUN
cjfa-33347	87	30	applications	application	NOUN
cjfa-33347	87	31	provided	provide	VERB
cjfa-33347	87	32	by	by	ADP
cjfa-33347	87	33	the	the	DET
cjfa-33347	87	34	potential	potential	ADJ
cjfa-33347	87	35	borrowers	borrower	NOUN
cjfa-33347	87	36	.	.	PUNCT
cjfa-33347	88	1	field	field	NOUN
cjfa-33347	88	2	partners	partner	NOUN
cjfa-33347	88	3	are	be	AUX
cjfa-33347	88	4	also	also	ADV
cjfa-33347	88	5	responsible	responsible	ADJ
cjfa-33347	88	6	for	for	ADP
cjfa-33347	88	7	the	the	DET
cjfa-33347	88	8	disbursement	disbursement	NOUN
cjfa-33347	88	9	and	and	CCONJ
cjfa-33347	88	10	repayment	repayment	NOUN
cjfa-33347	88	11	collection	collection	NOUN
cjfa-33347	88	12	of	of	ADP
cjfa-33347	88	13	loans	loan	NOUN
cjfa-33347	88	14	.	.	PUNCT
cjfa-33347	89	1	if	if	SCONJ
cjfa-33347	89	2	a	a	DET
cjfa-33347	89	3	loan	loan	NOUN
cjfa-33347	89	4	is	be	AUX
cjfa-33347	89	5	granted	grant	VERB
cjfa-33347	89	6	,	,	PUNCT
cjfa-33347	89	7	the	the	DET
cjfa-33347	89	8	field	field	NOUN
cjfa-33347	89	9	partners	partner	NOUN
cjfa-33347	89	10	post	post	VERB
cjfa-33347	89	11	the	the	DET
cjfa-33347	89	12	borrower	borrower	NOUN
cjfa-33347	89	13	’s	’s	PART
cjfa-33347	89	14	profile	profile	NOUN
cjfa-33347	89	15	information	information	NOUN
cjfa-33347	89	16	,	,	PUNCT
cjfa-33347	89	17	picture	picture	NOUN
cjfa-33347	89	18	,	,	PUNCT
cjfa-33347	89	19	and	and	CCONJ
cjfa-33347	89	20	purpose	purpose	NOUN
cjfa-33347	89	21	of	of	ADP
cjfa-33347	89	22	the	the	DET
cjfa-33347	89	23	loan	loan	NOUN
cjfa-33347	89	24	on	on	ADP
cjfa-33347	89	25	kiva	kiva	PROPN
cjfa-33347	89	26	.	.	PUNCT
cjfa-33347	90	1	when	when	SCONJ
cjfa-33347	90	2	kiva	kiva	PROPN
cjfa-33347	90	3	delivers	deliver	VERB
cjfa-33347	90	4	the	the	DET
cjfa-33347	90	5	fund	fund	NOUN
cjfa-33347	90	6	to	to	ADP
cjfa-33347	90	7	the	the	DET
cjfa-33347	90	8	local	local	ADJ
cjfa-33347	90	9	field	field	NOUN
cjfa-33347	90	10	partner	partner	NOUN
cjfa-33347	90	11	,	,	PUNCT
cjfa-33347	90	12	the	the	DET
cjfa-33347	90	13	field	field	NOUN
cjfa-33347	90	14	partner	partner	NOUN
cjfa-33347	90	15	may	may	AUX
cjfa-33347	90	16	require	require	VERB
cjfa-33347	90	17	traveling	travel	VERB
cjfa-33347	90	18	to	to	ADP
cjfa-33347	90	19	the	the	DET
cjfa-33347	90	20	borrower	borrower	NOUN
cjfa-33347	90	21	’s	’s	PART
cjfa-33347	90	22	location	location	NOUN
cjfa-33347	90	23	,	,	PUNCT
cjfa-33347	90	24	such	such	ADJ
cjfa-33347	90	25	as	as	ADP
cjfa-33347	90	26	the	the	DET
cjfa-33347	90	27	rural	rural	ADJ
cjfa-33347	90	28	village	village	NOUN
cjfa-33347	90	29	,	,	PUNCT
cjfa-33347	90	30	and	and	CCONJ
cjfa-33347	90	31	collect	collect	VERB
cjfa-33347	90	32	a	a	DET
cjfa-33347	90	33	repayment	repayment	NOUN
cjfa-33347	90	34	regularly	regularly	ADV
cjfa-33347	90	35	(	(	PUNCT
cjfa-33347	90	36	zhao	zhao	PROPN
cjfa-33347	90	37	et	et	PROPN
cjfa-33347	90	38	al	al	PROPN
cjfa-33347	90	39	.	.	PROPN
cjfa-33347	90	40	,	,	PUNCT
cjfa-33347	90	41	2017	2017	NUM
cjfa-33347	90	42	)	)	PUNCT
cjfa-33347	90	43	.	.	PUNCT
cjfa-33347	91	1	various	various	ADJ
cjfa-33347	91	2	factors	factor	NOUN
cjfa-33347	91	3	influence	influence	NOUN
cjfa-33347	91	4	or	or	CCONJ
cjfa-33347	91	5	bias	bias	VERB
cjfa-33347	91	6	the	the	DET
cjfa-33347	91	7	lenders	lender	NOUN
cjfa-33347	91	8	to	to	PART
cjfa-33347	91	9	lend	lend	VERB
cjfa-33347	91	10	through	through	ADP
cjfa-33347	91	11	indirect	indirect	ADJ
cjfa-33347	91	12	p2p	p2p	NOUN
cjfa-33347	91	13	lending	lending	NOUN
cjfa-33347	91	14	.	.	PUNCT
cjfa-33347	92	1	havrylchyk	havrylchyk	NOUN
cjfa-33347	92	2	and	and	CCONJ
cjfa-33347	92	3	verdier	verdier	NOUN
cjfa-33347	92	4	(	(	PUNCT
cjfa-33347	92	5	2018	2018	NUM
cjfa-33347	92	6	)	)	PUNCT
cjfa-33347	92	7	identified	identify	VERB
cjfa-33347	92	8	the	the	DET
cjfa-33347	92	9	problem	problem	NOUN
cjfa-33347	92	10	with	with	ADP
cjfa-33347	92	11	indirect	indirect	ADJ
cjfa-33347	92	12	social	social	ADJ
cjfa-33347	92	13	p2p	p2p	NOUN
cjfa-33347	92	14	lending	lending	NOUN
cjfa-33347	92	15	,	,	PUNCT
cjfa-33347	92	16	where	where	SCONJ
cjfa-33347	92	17	lenders	lender	NOUN
cjfa-33347	92	18	do	do	AUX
cjfa-33347	92	19	not	not	PART
cjfa-33347	92	20	receive	receive	VERB
cjfa-33347	92	21	any	any	DET
cjfa-33347	92	22	interest	interest	NOUN
cjfa-33347	92	23	on	on	ADP
cjfa-33347	92	24	their	their	PRON
cjfa-33347	92	25	loans	loan	NOUN
cjfa-33347	92	26	,	,	PUNCT
cjfa-33347	92	27	and	and	CCONJ
cjfa-33347	92	28	in	in	ADP
cjfa-33347	92	29	fact	fact	NOUN
cjfa-33347	92	30	,	,	PUNCT
cjfa-33347	92	31	their	their	PRON
cjfa-33347	92	32	capital	capital	NOUN
cjfa-33347	92	33	is	be	AUX
cjfa-33347	92	34	subject	subject	ADJ
cjfa-33347	92	35	to	to	ADP
cjfa-33347	92	36	default	default	NOUN
cjfa-33347	92	37	risk	risk	NOUN
cjfa-33347	92	38	and	and	CCONJ
cjfa-33347	92	39	exchange	exchange	NOUN
cjfa-33347	92	40	rate	rate	NOUN
cjfa-33347	92	41	risk	risk	NOUN
cjfa-33347	92	42	.	.	PUNCT
cjfa-33347	93	1	as	as	ADP
cjfa-33347	93	2	a	a	DET
cjfa-33347	93	3	result	result	NOUN
cjfa-33347	93	4	,	,	PUNCT
cjfa-33347	93	5	full	full	ADJ
cjfa-33347	93	6	recovery	recovery	NOUN
cjfa-33347	93	7	of	of	ADP
cjfa-33347	93	8	the	the	DET
cjfa-33347	93	9	loan	loan	NOUN
cjfa-33347	93	10	is	be	AUX
cjfa-33347	93	11	not	not	PART
cjfa-33347	93	12	assured	assure	VERB
cjfa-33347	93	13	because	because	SCONJ
cjfa-33347	93	14	the	the	DET
cjfa-33347	93	15	intermediaries	intermediary	NOUN
cjfa-33347	93	16	of	of	ADP
cjfa-33347	93	17	the	the	DET
cjfa-33347	93	18	indirect	indirect	ADJ
cjfa-33347	93	19	p2p	p2p	NOUN
cjfa-33347	93	20	platforms	platform	NOUN
cjfa-33347	93	21	do	do	AUX
cjfa-33347	93	22	not	not	PART
cjfa-33347	93	23	promise	promise	VERB
cjfa-33347	93	24	or	or	CCONJ
cjfa-33347	93	25	assure	assure	VERB
cjfa-33347	93	26	the	the	DET
cjfa-33347	93	27	full	full	ADJ
cjfa-33347	93	28	recovery	recovery	NOUN
cjfa-33347	93	29	of	of	ADP
cjfa-33347	93	30	loans	loan	NOUN
cjfa-33347	93	31	,	,	PUNCT
cjfa-33347	93	32	which	which	PRON
cjfa-33347	93	33	might	might	AUX
cjfa-33347	93	34	discourage	discourage	VERB
cjfa-33347	93	35	the	the	DET
cjfa-33347	93	36	lenders	lender	NOUN
cjfa-33347	93	37	from	from	ADP
cjfa-33347	93	38	participating	participate	VERB
cjfa-33347	93	39	in	in	ADP
cjfa-33347	93	40	the	the	DET
cjfa-33347	93	41	platform	platform	NOUN
cjfa-33347	93	42	.	.	PUNCT
cjfa-33347	94	1	theoretical	theoretical	ADJ
cjfa-33347	94	2	framework	framework	NOUN
cjfa-33347	94	3	this	this	DET
cjfa-33347	94	4	research	research	NOUN
cjfa-33347	94	5	identifies	identify	VERB
cjfa-33347	94	6	that	that	SCONJ
cjfa-33347	94	7	transparency	transparency	NOUN
cjfa-33347	94	8	issue	issue	NOUN
cjfa-33347	94	9	is	be	AUX
cjfa-33347	94	10	one	one	NUM
cjfa-33347	94	11	of	of	ADP
cjfa-33347	94	12	the	the	DET
cjfa-33347	94	13	major	major	ADJ
cjfa-33347	94	14	factors	factor	NOUN
cjfa-33347	94	15	that	that	PRON
cjfa-33347	94	16	significantly	significantly	ADV
cjfa-33347	94	17	affect	affect	VERB
cjfa-33347	94	18	the	the	DET
cjfa-33347	94	19	investor	investor	NOUN
cjfa-33347	94	20	’s	’s	PART
cjfa-33347	94	21	intention	intention	NOUN
cjfa-33347	94	22	and	and	CCONJ
cjfa-33347	94	23	scope	scope	NOUN
cjfa-33347	94	24	to	to	PART
cjfa-33347	94	25	participate	participate	VERB
cjfa-33347	94	26	in	in	ADP
cjfa-33347	94	27	p2p	p2p	NOUN
cjfa-33347	94	28	lending	lend	VERB
cjfa-33347	94	29	whether	whether	SCONJ
cjfa-33347	94	30	it	it	PRON
cjfa-33347	94	31	is	be	AUX
cjfa-33347	94	32	a	a	DET
cjfa-33347	94	33	direct	direct	ADJ
cjfa-33347	94	34	or	or	CCONJ
cjfa-33347	94	35	indirect	indirect	ADJ
cjfa-33347	94	36	lending	lending	NOUN
cjfa-33347	94	37	platform	platform	NOUN
cjfa-33347	94	38	in	in	ADP
cjfa-33347	94	39	a	a	DET
cjfa-33347	94	40	developing	develop	VERB
cjfa-33347	94	41	country	country	NOUN
cjfa-33347	94	42	.	.	PUNCT
cjfa-33347	95	1	perceived	perceive	VERB
cjfa-33347	95	2	risks	risk	NOUN
cjfa-33347	95	3	and	and	CCONJ
cjfa-33347	95	4	trust	trust	NOUN
cjfa-33347	95	5	perceived	perceive	VERB
cjfa-33347	95	6	risks4	risks4	PROPN
cjfa-33347	95	7	and	and	CCONJ
cjfa-33347	95	8	trust	trust	NOUN
cjfa-33347	95	9	are	be	AUX
cjfa-33347	95	10	deemed	deem	VERB
cjfa-33347	95	11	as	as	ADP
cjfa-33347	95	12	ambiguity	ambiguity	NOUN
cjfa-33347	95	13	;	;	PUNCT
cjfa-33347	95	14	often	often	ADV
cjfa-33347	95	15	arise	arise	VERB
cjfa-33347	95	16	due	due	ADP
cjfa-33347	95	17	to	to	ADP
cjfa-33347	95	18	information	information	NOUN
cjfa-33347	95	19	or	or	CCONJ
cjfa-33347	95	20	communication	communication	NOUN
cjfa-33347	95	21	errors	error	NOUN
cjfa-33347	95	22	on	on	ADP
cjfa-33347	95	23	financial	financial	ADJ
cjfa-33347	95	24	transactions	transaction	NOUN
cjfa-33347	95	25	.	.	PUNCT
cjfa-33347	96	1	incapability	incapability	NOUN
cjfa-33347	96	2	to	to	ADP
cjfa-33347	96	3	physical	physical	ADJ
cjfa-33347	96	4	4	4	NUM
cjfa-33347	96	5	 	 	SPACE
cjfa-33347	96	6	perceived	perceive	VERB
cjfa-33347	96	7	risk	risk	NOUN
cjfa-33347	96	8	is	be	AUX
cjfa-33347	96	9	pertinent	pertinent	ADJ
cjfa-33347	96	10	to	to	ADP
cjfa-33347	96	11	intangible	intangible	ADJ
cjfa-33347	96	12	products	product	NOUN
cjfa-33347	96	13	or	or	CCONJ
cjfa-33347	96	14	services	service	NOUN
cjfa-33347	96	15	that	that	PRON
cjfa-33347	96	16	involved	involve	VERB
cjfa-33347	96	17	to	to	ADP
cjfa-33347	96	18	online	online	ADJ
cjfa-33347	96	19	transaction	transaction	NOUN
cjfa-33347	96	20	.	.	PUNCT
cjfa-33347	97	1	according	accord	VERB
cjfa-33347	97	2	to	to	ADP
cjfa-33347	97	3	featherman	featherman	NOUN
cjfa-33347	97	4	and	and	CCONJ
cjfa-33347	97	5	pavlou	pavlou	PROPN
cjfa-33347	97	6	(	(	PUNCT
cjfa-33347	97	7	2003	2003	NUM
cjfa-33347	97	8	)	)	PUNCT
cjfa-33347	97	9	,	,	PUNCT
cjfa-33347	97	10	perceived	perceive	VERB
cjfa-33347	97	11	risk	risk	NOUN
cjfa-33347	97	12	is	be	AUX
cjfa-33347	97	13	regarded	regard	VERB
cjfa-33347	97	14	as	as	ADP
cjfa-33347	97	15	an	an	DET
cjfa-33347	97	16	unpredictability	unpredictability	NOUN
cjfa-33347	97	17	,	,	PUNCT
cjfa-33347	97	18	with	with	ADP
cjfa-33347	97	19	hostile	hostile	ADJ
cjfa-33347	97	20	or	or	CCONJ
cjfa-33347	97	21	adverse	adverse	ADJ
cjfa-33347	97	22	implications	implication	NOUN
cjfa-33347	97	23	,	,	PUNCT
cjfa-33347	97	24	arising	arise	VERB
cjfa-33347	97	25	advance	advance	NOUN
cjfa-33347	97	26	quesnadia	quesnadia	PROPN
cjfa-33347	97	27	nahar	nahar	PROPN
cjfa-33347	97	28	purkayastha	purkayastha	PROPN
cjfa-33347	97	29	,	,	PUNCT
cjfa-33347	97	30	şule	şule	ADJ
cjfa-33347	97	31	erdem	erdem	PROPN
cjfa-33347	97	32	tuzlukaya138	tuzlukaya138	PROPN
cjfa-33347	97	33	inspection	inspection	NOUN
cjfa-33347	97	34	of	of	ADP
cjfa-33347	97	35	direct	direct	ADJ
cjfa-33347	97	36	p2p	p2p	NOUN
cjfa-33347	97	37	lending	lending	NOUN
cjfa-33347	97	38	transactions	transaction	NOUN
cjfa-33347	97	39	is	be	AUX
cjfa-33347	97	40	exposure	exposure	NOUN
cjfa-33347	97	41	to	to	ADP
cjfa-33347	97	42	fraudulent	fraudulent	ADJ
cjfa-33347	97	43	activities	activity	NOUN
cjfa-33347	97	44	.	.	PUNCT
cjfa-33347	98	1	meanwhile	meanwhile	ADV
cjfa-33347	98	2	,	,	PUNCT
cjfa-33347	98	3	the	the	DET
cjfa-33347	98	4	lack	lack	NOUN
cjfa-33347	98	5	of	of	ADP
cjfa-33347	98	6	inefficient	inefficient	ADJ
cjfa-33347	98	7	infrastructure	infrastructure	NOUN
cjfa-33347	98	8	provided	provide	VERB
cjfa-33347	98	9	by	by	ADP
cjfa-33347	98	10	the	the	DET
cjfa-33347	98	11	indirect	indirect	ADJ
cjfa-33347	98	12	p2p	p2p	NOUN
cjfa-33347	98	13	lending	lending	NOUN
cjfa-33347	98	14	companies	company	NOUN
cjfa-33347	98	15	arise	arise	VERB
cjfa-33347	98	16	additional	additional	ADJ
cjfa-33347	98	17	anxiety	anxiety	NOUN
cjfa-33347	98	18	and	and	CCONJ
cjfa-33347	98	19	fear	fear	NOUN
cjfa-33347	98	20	of	of	ADP
cjfa-33347	98	21	loss	loss	NOUN
cjfa-33347	98	22	on	on	ADP
cjfa-33347	98	23	investment	investment	NOUN
cjfa-33347	98	24	(	(	PUNCT
cjfa-33347	98	25	manda	manda	PROPN
cjfa-33347	98	26	&	&	CCONJ
cjfa-33347	98	27	yamijala	yamijala	PROPN
cjfa-33347	98	28	,	,	PUNCT
cjfa-33347	98	29	2019	2019	NUM
cjfa-33347	98	30	;	;	PUNCT
cjfa-33347	98	31	clarke	clarke	PROPN
cjfa-33347	98	32	,	,	PUNCT
cjfa-33347	98	33	2019	2019	NUM
cjfa-33347	98	34	)	)	PUNCT
cjfa-33347	98	35	.	.	PUNCT
cjfa-33347	99	1	research	research	NOUN
cjfa-33347	99	2	by	by	ADP
cjfa-33347	99	3	komiak	komiak	PROPN
cjfa-33347	99	4	and	and	CCONJ
cjfa-33347	99	5	benbasat	benbasat	VERB
cjfa-33347	99	6	(	(	PUNCT
cjfa-33347	99	7	2006	2006	NUM
cjfa-33347	99	8	)	)	PUNCT
cjfa-33347	99	9	revealed	reveal	VERB
cjfa-33347	99	10	that	that	SCONJ
cjfa-33347	99	11	if	if	SCONJ
cjfa-33347	99	12	an	an	DET
cjfa-33347	99	13	individual	individual	ADJ
cjfa-33347	99	14	user	user	NOUN
cjfa-33347	99	15	feels	feels	AUX
cjfa-33347	99	16	assured	assure	VERB
cjfa-33347	99	17	and	and	CCONJ
cjfa-33347	99	18	secure	secure	ADJ
cjfa-33347	99	19	about	about	ADP
cjfa-33347	99	20	the	the	DET
cjfa-33347	99	21	validation	validation	NOUN
cjfa-33347	99	22	of	of	ADP
cjfa-33347	99	23	crowdfunding	crowdfunde	VERB
cjfa-33347	99	24	especially	especially	ADV
cjfa-33347	99	25	on	on	ADP
cjfa-33347	99	26	p2p	p2p	NOUN
cjfa-33347	99	27	lending	lending	NOUN
cjfa-33347	99	28	platforms	platform	NOUN
cjfa-33347	99	29	trust	trust	NOUN
cjfa-33347	99	30	will	will	AUX
cjfa-33347	99	31	establish	establish	VERB
cjfa-33347	99	32	a	a	DET
cjfa-33347	99	33	positive	positive	ADJ
cjfa-33347	99	34	relationship	relationship	NOUN
cjfa-33347	99	35	between	between	ADP
cjfa-33347	99	36	lenders	lender	NOUN
cjfa-33347	99	37	and	and	CCONJ
cjfa-33347	99	38	borrowers	borrower	NOUN
cjfa-33347	99	39	.	.	PUNCT
cjfa-33347	100	1	in	in	ADP
cjfa-33347	100	2	an	an	DET
cjfa-33347	100	3	attempt	attempt	NOUN
cjfa-33347	100	4	to	to	PART
cjfa-33347	100	5	build	build	VERB
cjfa-33347	100	6	trust	trust	NOUN
cjfa-33347	100	7	and	and	CCONJ
cjfa-33347	100	8	reputation	reputation	NOUN
cjfa-33347	100	9	among	among	ADP
cjfa-33347	100	10	the	the	DET
cjfa-33347	100	11	users	user	NOUN
cjfa-33347	100	12	of	of	ADP
cjfa-33347	100	13	the	the	DET
cjfa-33347	100	14	p2p	p2p	NOUN
cjfa-33347	100	15	lending	lending	NOUN
cjfa-33347	100	16	platform	platform	NOUN
cjfa-33347	100	17	is	be	AUX
cjfa-33347	100	18	required	require	VERB
cjfa-33347	100	19	to	to	PART
cjfa-33347	100	20	establish	establish	VERB
cjfa-33347	100	21	strong	strong	ADJ
cjfa-33347	100	22	and	and	CCONJ
cjfa-33347	100	23	reliable	reliable	ADJ
cjfa-33347	100	24	social	social	ADJ
cjfa-33347	100	25	networks	network	NOUN
cjfa-33347	100	26	to	to	PART
cjfa-33347	100	27	mitigate	mitigate	VERB
cjfa-33347	100	28	the	the	DET
cjfa-33347	100	29	trust	trust	NOUN
cjfa-33347	100	30	issue	issue	NOUN
cjfa-33347	100	31	and	and	CCONJ
cjfa-33347	100	32	perceived	perceive	VERB
cjfa-33347	100	33	institutional	institutional	ADJ
cjfa-33347	100	34	risks	risk	NOUN
cjfa-33347	100	35	(	(	PUNCT
cjfa-33347	100	36	chen	chen	PROPN
cjfa-33347	100	37	,	,	PUNCT
cjfa-33347	100	38	lai	lai	PROPN
cjfa-33347	100	39	&	&	CCONJ
cjfa-33347	100	40	lin	lin	PROPN
cjfa-33347	100	41	,	,	PUNCT
cjfa-33347	100	42	2014	2014	NUM
cjfa-33347	100	43	)	)	PUNCT
cjfa-33347	100	44	.	.	PUNCT
cjfa-33347	101	1	sukmaningsih	sukmaningsih	PROPN
cjfa-33347	101	2	(	(	PUNCT
cjfa-33347	101	3	2018	2018	NUM
cjfa-33347	101	4	)	)	PUNCT
cjfa-33347	101	5	suggested	suggest	VERB
cjfa-33347	101	6	trust	trust	NOUN
cjfa-33347	101	7	can	can	AUX
cjfa-33347	101	8	be	be	AUX
cjfa-33347	101	9	established	establish	VERB
cjfa-33347	101	10	among	among	ADP
cjfa-33347	101	11	borrowers	borrower	NOUN
cjfa-33347	101	12	by	by	ADP
cjfa-33347	101	13	offering	offer	VERB
cjfa-33347	101	14	full	full	ADJ
cjfa-33347	101	15	access	access	NOUN
cjfa-33347	101	16	to	to	ADP
cjfa-33347	101	17	borrowers	borrower	NOUN
cjfa-33347	101	18	’	’	PART
cjfa-33347	101	19	information	information	NOUN
cjfa-33347	101	20	online	online	ADV
cjfa-33347	101	21	,	,	PUNCT
cjfa-33347	101	22	for	for	ADP
cjfa-33347	101	23	example	example	NOUN
cjfa-33347	101	24	,	,	PUNCT
cjfa-33347	101	25	photo	photo	NOUN
cjfa-33347	101	26	,	,	PUNCT
cjfa-33347	101	27	age	age	NOUN
cjfa-33347	101	28	,	,	PUNCT
cjfa-33347	101	29	gender	gender	NOUN
cjfa-33347	101	30	,	,	PUNCT
cjfa-33347	101	31	national	national	PROPN
cjfa-33347	101	32	i	i	PROPN
cjfa-33347	101	33	d	d	PROPN
cjfa-33347	101	34	through	through	ADP
cjfa-33347	101	35	social	social	ADJ
cjfa-33347	101	36	networks	network	NOUN
cjfa-33347	101	37	.	.	PUNCT
cjfa-33347	102	1	mohammadi	mohammadi	NOUN
cjfa-33347	102	2	and	and	CCONJ
cjfa-33347	102	3	broström	broström	NOUN
cjfa-33347	102	4	(	(	PUNCT
cjfa-33347	102	5	2018	2018	NUM
cjfa-33347	102	6	)	)	PUNCT
cjfa-33347	102	7	disclosed	disclose	VERB
cjfa-33347	102	8	that	that	SCONJ
cjfa-33347	102	9	distrust	distrust	NOUN
cjfa-33347	102	10	is	be	AUX
cjfa-33347	102	11	greatly	greatly	ADV
cjfa-33347	102	12	correlated	correlate	VERB
cjfa-33347	102	13	with	with	ADP
cjfa-33347	102	14	larger	large	ADJ
cjfa-33347	102	15	amounts	amount	NOUN
cjfa-33347	102	16	of	of	ADP
cjfa-33347	102	17	loans	loan	NOUN
cjfa-33347	102	18	,	,	PUNCT
cjfa-33347	102	19	longer	long	ADJ
cjfa-33347	102	20	payment	payment	NOUN
cjfa-33347	102	21	cycles	cycle	NOUN
cjfa-33347	102	22	,	,	PUNCT
cjfa-33347	102	23	and	and	CCONJ
cjfa-33347	102	24	greater	great	ADJ
cjfa-33347	102	25	geographical	geographical	ADJ
cjfa-33347	102	26	distance	distance	NOUN
cjfa-33347	102	27	between	between	ADP
cjfa-33347	102	28	lenders	lender	NOUN
cjfa-33347	102	29	and	and	CCONJ
cjfa-33347	102	30	borrowers	borrower	NOUN
cjfa-33347	102	31	.	.	PUNCT
cjfa-33347	103	1	scholars	scholar	NOUN
cjfa-33347	103	2	identified	identify	VERB
cjfa-33347	103	3	social	social	ADJ
cjfa-33347	103	4	networks	network	NOUN
cjfa-33347	103	5	are	be	AUX
cjfa-33347	103	6	the	the	DET
cjfa-33347	103	7	key	key	NOUN
cjfa-33347	103	8	to	to	PART
cjfa-33347	103	9	formulate	formulate	VERB
cjfa-33347	103	10	mutual	mutual	ADJ
cjfa-33347	103	11	trust	trust	NOUN
cjfa-33347	103	12	,	,	PUNCT
cjfa-33347	103	13	reciprocity	reciprocity	NOUN
cjfa-33347	103	14	,	,	PUNCT
cjfa-33347	103	15	and	and	CCONJ
cjfa-33347	103	16	to	to	PART
cjfa-33347	103	17	override	override	VERB
cjfa-33347	103	18	any	any	DET
cjfa-33347	103	19	negative	negative	ADJ
cjfa-33347	103	20	financial	financial	ADJ
cjfa-33347	103	21	consideration	consideration	NOUN
cjfa-33347	103	22	for	for	SCONJ
cjfa-33347	103	23	the	the	DET
cjfa-33347	103	24	lenders	lender	NOUN
cjfa-33347	103	25	to	to	PART
cjfa-33347	103	26	participate	participate	VERB
cjfa-33347	103	27	in	in	ADP
cjfa-33347	103	28	p2p	p2p	NOUN
cjfa-33347	103	29	lending	lending	NOUN
cjfa-33347	103	30	platforms	platform	NOUN
cjfa-33347	103	31	(	(	PUNCT
cjfa-33347	103	32	saeidi	saeidi	PROPN
cjfa-33347	103	33	,	,	PUNCT
cjfa-33347	103	34	2020	2020	NUM
cjfa-33347	103	35	;	;	PUNCT
cjfa-33347	103	36	gonzalez	gonzalez	PROPN
cjfa-33347	103	37	,	,	PUNCT
cjfa-33347	103	38	2019	2019	NUM
cjfa-33347	103	39	)	)	PUNCT
cjfa-33347	103	40	.	.	PUNCT
cjfa-33347	104	1	in	in	ADP
cjfa-33347	104	2	this	this	DET
cjfa-33347	104	3	way	way	NOUN
cjfa-33347	104	4	,	,	PUNCT
cjfa-33347	104	5	the	the	DET
cjfa-33347	104	6	first	first	ADJ
cjfa-33347	104	7	proposition	proposition	NOUN
cjfa-33347	104	8	is	be	AUX
cjfa-33347	104	9	set	set	VERB
cjfa-33347	104	10	forth	forth	ADV
cjfa-33347	104	11	as	as	SCONJ
cjfa-33347	104	12	follows	follow	VERB
cjfa-33347	104	13	:	:	PUNCT
cjfa-33347	104	14	proposition	proposition	NOUN
cjfa-33347	104	15	1	1	NUM
cjfa-33347	104	16	:	:	PUNCT
cjfa-33347	104	17	the	the	PRON
cjfa-33347	104	18	higher	high	ADJ
cjfa-33347	104	19	the	the	DET
cjfa-33347	104	20	trust	trust	NOUN
cjfa-33347	104	21	on	on	ADP
cjfa-33347	104	22	social	social	ADJ
cjfa-33347	104	23	networks	network	NOUN
cjfa-33347	104	24	,	,	PUNCT
cjfa-33347	104	25	the	the	PRON
cjfa-33347	104	26	lower	low	ADJ
cjfa-33347	104	27	the	the	DET
cjfa-33347	104	28	lender	lender	NOUN
cjfa-33347	104	29	’s	’s	PART
cjfa-33347	104	30	perceived	perceive	VERB
cjfa-33347	104	31	risks	risk	NOUN
cjfa-33347	104	32	,	,	PUNCT
cjfa-33347	104	33	hence	hence	ADV
cjfa-33347	104	34	,	,	PUNCT
cjfa-33347	104	35	a	a	DET
cjfa-33347	104	36	higher	high	ADJ
cjfa-33347	104	37	chance	chance	NOUN
cjfa-33347	104	38	to	to	PART
cjfa-33347	104	39	participate	participate	VERB
cjfa-33347	104	40	in	in	ADP
cjfa-33347	104	41	p2p	p2p	NOUN
cjfa-33347	104	42	lending	lending	NOUN
cjfa-33347	104	43	.	.	PUNCT
cjfa-33347	105	1	security	security	NOUN
cjfa-33347	105	2	security	security	NOUN
cjfa-33347	105	3	is	be	AUX
cjfa-33347	105	4	believed	believe	VERB
cjfa-33347	105	5	to	to	PART
cjfa-33347	105	6	be	be	AUX
cjfa-33347	105	7	the	the	DET
cjfa-33347	105	8	most	most	ADV
cjfa-33347	105	9	important	important	ADJ
cjfa-33347	105	10	element	element	NOUN
cjfa-33347	105	11	to	to	PART
cjfa-33347	105	12	develop	develop	VERB
cjfa-33347	105	13	an	an	DET
cjfa-33347	105	14	online	online	ADJ
cjfa-33347	105	15	transaction	transaction	NOUN
cjfa-33347	105	16	platform	platform	NOUN
cjfa-33347	105	17	.	.	PUNCT
cjfa-33347	106	1	clients	client	NOUN
cjfa-33347	106	2	intentionally	intentionally	ADV
cjfa-33347	106	3	avoid	avoid	VERB
cjfa-33347	106	4	online	online	ADJ
cjfa-33347	106	5	platforms	platform	NOUN
cjfa-33347	106	6	which	which	PRON
cjfa-33347	106	7	are	be	AUX
cjfa-33347	106	8	exemplified	exemplify	VERB
cjfa-33347	106	9	by	by	ADP
cjfa-33347	106	10	ambiguous	ambiguous	ADJ
cjfa-33347	106	11	information	information	NOUN
cjfa-33347	106	12	to	to	PART
cjfa-33347	106	13	secure	secure	VERB
cjfa-33347	106	14	financial	financial	ADJ
cjfa-33347	106	15	information	information	NOUN
cjfa-33347	106	16	(	(	PUNCT
cjfa-33347	106	17	bertsch	bertsch	PROPN
cjfa-33347	106	18	&	&	CCONJ
cjfa-33347	106	19	rosenvinge	rosenvinge	PROPN
cjfa-33347	106	20	,	,	PUNCT
cjfa-33347	106	21	2019	2019	NUM
cjfa-33347	106	22	;	;	PUNCT
cjfa-33347	106	23	urban	urban	ADJ
cjfa-33347	106	24	,	,	PUNCT
cjfa-33347	106	25	amyx	amyx	PROPN
cjfa-33347	106	26	&	&	CCONJ
cjfa-33347	106	27	lorenzon	lorenzon	PROPN
cjfa-33347	106	28	,	,	PUNCT
cjfa-33347	106	29	2009	2009	NUM
cjfa-33347	106	30	)	)	PUNCT
cjfa-33347	106	31	.	.	PUNCT
cjfa-33347	107	1	financial	financial	ADJ
cjfa-33347	107	2	transactions	transaction	NOUN
cjfa-33347	107	3	by	by	ADP
cjfa-33347	107	4	online	online	ADJ
cjfa-33347	107	5	p2p	p2p	NOUN
cjfa-33347	107	6	lending	lending	NOUN
cjfa-33347	107	7	is	be	AUX
cjfa-33347	107	8	a	a	DET
cjfa-33347	107	9	monetary	monetary	ADJ
cjfa-33347	107	10	fund	fund	NOUN
cjfa-33347	107	11	,	,	PUNCT
cjfa-33347	107	12	so	so	SCONJ
cjfa-33347	107	13	it	it	PRON
cjfa-33347	107	14	shares	share	VERB
cjfa-33347	107	15	the	the	DET
cjfa-33347	107	16	same	same	ADJ
cjfa-33347	107	17	innate	innate	ADJ
cjfa-33347	107	18	risks	risk	NOUN
cjfa-33347	107	19	as	as	ADP
cjfa-33347	107	20	other	other	ADJ
cjfa-33347	107	21	traditional	traditional	ADJ
cjfa-33347	107	22	financial	financial	ADJ
cjfa-33347	107	23	activities	activity	NOUN
cjfa-33347	107	24	,	,	PUNCT
cjfa-33347	107	25	therefore	therefore	ADV
cjfa-33347	107	26	social	social	ADJ
cjfa-33347	107	27	media	medium	NOUN
cjfa-33347	107	28	or	or	CCONJ
cjfa-33347	107	29	intermediaries	intermediary	NOUN
cjfa-33347	107	30	of	of	ADP
cjfa-33347	107	31	p2p	p2p	NOUN
cjfa-33347	107	32	platforms	platform	NOUN
cjfa-33347	107	33	need	need	VERB
cjfa-33347	107	34	highly	highly	ADV
cjfa-33347	107	35	sophisticated	sophisticated	ADJ
cjfa-33347	107	36	and	and	CCONJ
cjfa-33347	107	37	reliable	reliable	ADJ
cjfa-33347	107	38	technology	technology	NOUN
cjfa-33347	107	39	to	to	PART
cjfa-33347	107	40	guarantee	guarantee	VERB
cjfa-33347	107	41	the	the	DET
cjfa-33347	107	42	security	security	NOUN
cjfa-33347	107	43	of	of	ADP
cjfa-33347	107	44	the	the	DET
cjfa-33347	107	45	lender	lender	NOUN
cjfa-33347	107	46	’s	’s	PART
cjfa-33347	107	47	financial	financial	ADJ
cjfa-33347	107	48	and	and	CCONJ
cjfa-33347	107	49	personal	personal	ADJ
cjfa-33347	107	50	information	information	NOUN
cjfa-33347	107	51	to	to	PART
cjfa-33347	107	52	protect	protect	VERB
cjfa-33347	107	53	their	their	PRON
cjfa-33347	107	54	capital	capital	NOUN
cjfa-33347	107	55	(	(	PUNCT
cjfa-33347	107	56	urban	urban	ADJ
cjfa-33347	107	57	et	et	VERB
cjfa-33347	107	58	at	at	ADP
cjfa-33347	107	59	.	.	PROPN
cjfa-33347	107	60	,	,	PUNCT
cjfa-33347	107	61	2009	2009	NUM
cjfa-33347	107	62	)	)	PUNCT
cjfa-33347	107	63	.	.	PUNCT
cjfa-33347	108	1	tion	tion	NOUN
cjfa-33347	108	2	on	on	ADP
cjfa-33347	108	3	purchasing	purchase	VERB
cjfa-33347	108	4	commitment	commitment	NOUN
cjfa-33347	108	5	in	in	ADP
cjfa-33347	108	6	terms	term	NOUN
cjfa-33347	108	7	of	of	ADP
cjfa-33347	108	8	searching	search	VERB
cjfa-33347	108	9	and	and	CCONJ
cjfa-33347	108	10	choosing	choose	VERB
cjfa-33347	108	11	information	information	NOUN
cjfa-33347	108	12	for	for	ADP
cjfa-33347	108	13	goods	good	NOUN
cjfa-33347	108	14	and	and	CCONJ
cjfa-33347	108	15	services	service	NOUN
cjfa-33347	108	16	.	.	PUNCT
cjfa-33347	109	1	determination	determination	NOUN
cjfa-33347	109	2	of	of	ADP
cjfa-33347	109	3	the	the	DET
cjfa-33347	109	4	benefits	benefit	NOUN
cjfa-33347	109	5	and	and	CCONJ
cjfa-33347	109	6	risks	risk	NOUN
cjfa-33347	109	7	of	of	ADP
cjfa-33347	109	8	peer	peer	NOUN
cjfa-33347	109	9	-	-	PUNCT
cjfa-33347	109	10	to	to	ADP
cjfa-33347	109	11	-	-	PUNCT
cjfa-33347	109	12	peer	peer	NOUN
cjfa-33347	109	13	…	…	PUNCT
cjfa-33347	109	14	139	139	NUM
cjfa-33347	109	15	the	the	DET
cjfa-33347	109	16	p2p	p2p	NOUN
cjfa-33347	109	17	lending	lending	NOUN
cjfa-33347	109	18	face	face	NOUN
cjfa-33347	109	19	security	security	NOUN
cjfa-33347	109	20	-	-	PUNCT
cjfa-33347	109	21	related	relate	VERB
cjfa-33347	109	22	issue	issue	NOUN
cjfa-33347	109	23	such	such	ADJ
cjfa-33347	109	24	as	as	ADP
cjfa-33347	109	25	the	the	DET
cjfa-33347	109	26	risk	risk	NOUN
cjfa-33347	109	27	of	of	ADP
cjfa-33347	109	28	securing	secure	VERB
cjfa-33347	109	29	the	the	DET
cjfa-33347	109	30	identity	identity	NOUN
cjfa-33347	109	31	,	,	PUNCT
cjfa-33347	109	32	financial	financial	ADJ
cjfa-33347	109	33	information	information	NOUN
cjfa-33347	109	34	of	of	ADP
cjfa-33347	109	35	investors	investor	NOUN
cjfa-33347	109	36	as	as	ADV
cjfa-33347	109	37	well	well	ADV
cjfa-33347	109	38	as	as	ADP
cjfa-33347	109	39	preventing	prevent	VERB
cjfa-33347	109	40	money	money	NOUN
cjfa-33347	109	41	laundering	laundering	NOUN
cjfa-33347	109	42	and	and	CCONJ
cjfa-33347	109	43	cyberattacks	cyberattack	NOUN
cjfa-33347	109	44	(	(	PUNCT
cjfa-33347	109	45	suryono	suryono	X
cjfa-33347	109	46	,	,	PUNCT
cjfa-33347	109	47	purwandari	purwandari	NOUN
cjfa-33347	109	48	&	&	CCONJ
cjfa-33347	109	49	budi	budi	PROPN
cjfa-33347	109	50	,	,	PUNCT
cjfa-33347	109	51	2019	2019	NUM
cjfa-33347	109	52	)	)	PUNCT
cjfa-33347	109	53	.	.	PUNCT
cjfa-33347	110	1	these	these	DET
cjfa-33347	110	2	kinds	kind	NOUN
cjfa-33347	110	3	of	of	ADP
cjfa-33347	110	4	concerns	concern	NOUN
cjfa-33347	110	5	especially	especially	ADV
cjfa-33347	110	6	arise	arise	VERB
cjfa-33347	110	7	in	in	ADP
cjfa-33347	110	8	developing	develop	VERB
cjfa-33347	110	9	countries	country	NOUN
cjfa-33347	110	10	due	due	ADP
cjfa-33347	110	11	to	to	ADP
cjfa-33347	110	12	the	the	DET
cjfa-33347	110	13	lack	lack	NOUN
cjfa-33347	110	14	of	of	ADP
cjfa-33347	110	15	transparency	transparency	NOUN
cjfa-33347	110	16	and	and	CCONJ
cjfa-33347	110	17	regulation	regulation	NOUN
cjfa-33347	110	18	by	by	ADP
cjfa-33347	110	19	the	the	DET
cjfa-33347	110	20	government	government	NOUN
cjfa-33347	110	21	on	on	ADP
cjfa-33347	110	22	the	the	DET
cjfa-33347	110	23	online	online	ADJ
cjfa-33347	110	24	transaction	transaction	NOUN
cjfa-33347	110	25	and	and	CCONJ
cjfa-33347	110	26	investor	investor	NOUN
cjfa-33347	110	27	protection	protection	NOUN
cjfa-33347	110	28	compare	compare	VERB
cjfa-33347	110	29	to	to	ADP
cjfa-33347	110	30	the	the	DET
cjfa-33347	110	31	traditional	traditional	ADJ
cjfa-33347	110	32	banking	banking	NOUN
cjfa-33347	110	33	system	system	NOUN
cjfa-33347	110	34	.	.	PUNCT
cjfa-33347	111	1	šetlers	šetler	NOUN
cjfa-33347	111	2	and	and	CCONJ
cjfa-33347	111	3	valdmanis	valdmanis	PROPN
cjfa-33347	111	4	(	(	PUNCT
cjfa-33347	111	5	2016	2016	NUM
cjfa-33347	111	6	)	)	PUNCT
cjfa-33347	111	7	acknowledged	acknowledge	VERB
cjfa-33347	111	8	that	that	SCONJ
cjfa-33347	111	9	security	security	NOUN
cjfa-33347	111	10	standards	standard	NOUN
cjfa-33347	111	11	of	of	ADP
cjfa-33347	111	12	any	any	DET
cjfa-33347	111	13	transactional	transactional	ADJ
cjfa-33347	111	14	platform	platform	NOUN
cjfa-33347	111	15	influence	influence	NOUN
cjfa-33347	111	16	the	the	DET
cjfa-33347	111	17	behavior	behavior	NOUN
cjfa-33347	111	18	investors	investor	NOUN
cjfa-33347	111	19	’	'	PUNCT
cjfa-33347	111	20	decisions	decision	NOUN
cjfa-33347	111	21	.	.	PUNCT
cjfa-33347	112	1	to	to	PART
cjfa-33347	112	2	secure	secure	VERB
cjfa-33347	112	3	the	the	DET
cjfa-33347	112	4	transaction	transaction	NOUN
cjfa-33347	112	5	traditional	traditional	ADJ
cjfa-33347	112	6	banks	bank	NOUN
cjfa-33347	112	7	recommend	recommend	VERB
cjfa-33347	112	8	upgrading	upgrade	VERB
cjfa-33347	112	9	online	online	ADJ
cjfa-33347	112	10	services	service	NOUN
cjfa-33347	112	11	systems	system	NOUN
cjfa-33347	112	12	via	via	ADP
cjfa-33347	112	13	pin	pin	PROPN
cjfa-33347	112	14	code	code	NOUN
cjfa-33347	112	15	,	,	PUNCT
cjfa-33347	112	16	mobile	mobile	ADJ
cjfa-33347	112	17	phone	phone	NOUN
cjfa-33347	112	18	sms	sms	PROPN
cjfa-33347	112	19	,	,	PUNCT
cjfa-33347	112	20	proof	proof	NOUN
cjfa-33347	112	21	of	of	ADP
cjfa-33347	112	22	verification	verification	NOUN
cjfa-33347	112	23	,	,	PUNCT
cjfa-33347	112	24	transaction	transaction	NOUN
cjfa-33347	112	25	passwords	password	NOUN
cjfa-33347	112	26	from	from	ADP
cjfa-33347	112	27	the	the	DET
cjfa-33347	112	28	related	related	ADJ
cjfa-33347	112	29	bank	bank	NOUN
cjfa-33347	112	30	,	,	PUNCT
cjfa-33347	112	31	and	and	CCONJ
cjfa-33347	112	32	one	one	NUM
cjfa-33347	112	33	-	-	PUNCT
cjfa-33347	112	34	time	time	NOUN
cjfa-33347	112	35	passwords	password	NOUN
cjfa-33347	112	36	from	from	ADP
cjfa-33347	112	37	the	the	DET
cjfa-33347	112	38	user	user	NOUN
cjfa-33347	112	39	(	(	PUNCT
cjfa-33347	112	40	viriyarungsarit	viriyarungsarit	VERB
cjfa-33347	112	41	,	,	PUNCT
cjfa-33347	112	42	2017	2017	NUM
cjfa-33347	112	43	)	)	PUNCT
cjfa-33347	112	44	.	.	PUNCT
cjfa-33347	113	1	safety	safety	NOUN
cjfa-33347	113	2	and	and	CCONJ
cjfa-33347	113	3	security	security	NOUN
cjfa-33347	113	4	imply	imply	VERB
cjfa-33347	113	5	lenders	lender	NOUN
cjfa-33347	113	6	’	’	PART
cjfa-33347	113	7	intuitions	intuition	NOUN
cjfa-33347	113	8	that	that	SCONJ
cjfa-33347	113	9	lending	lend	VERB
cjfa-33347	113	10	through	through	ADP
cjfa-33347	113	11	intermediary	intermediary	NOUN
cjfa-33347	113	12	will	will	AUX
cjfa-33347	113	13	satisfy	satisfy	VERB
cjfa-33347	113	14	such	such	ADJ
cjfa-33347	113	15	as	as	ADP
cjfa-33347	113	16	authentication	authentication	NOUN
cjfa-33347	113	17	,	,	PUNCT
cjfa-33347	113	18	quality	quality	NOUN
cjfa-33347	113	19	,	,	PUNCT
cjfa-33347	113	20	encryption	encryption	NOUN
cjfa-33347	113	21	,	,	PUNCT
cjfa-33347	113	22	and	and	CCONJ
cjfa-33347	113	23	nonrepudiation	nonrepudiation	NOUN
cjfa-33347	113	24	(	(	PUNCT
cjfa-33347	113	25	bokhari	bokhari	NOUN
cjfa-33347	113	26	,	,	PUNCT
cjfa-33347	113	27	2019	2019	NUM
cjfa-33347	113	28	)	)	PUNCT
cjfa-33347	113	29	.	.	PUNCT
cjfa-33347	114	1	lenders	lender	NOUN
cjfa-33347	114	2	will	will	AUX
cjfa-33347	114	3	only	only	ADV
cjfa-33347	114	4	seek	seek	VERB
cjfa-33347	114	5	to	to	ADP
cjfa-33347	114	6	a	a	DET
cjfa-33347	114	7	p2p	p2p	NOUN
cjfa-33347	114	8	platform	platform	NOUN
cjfa-33347	114	9	when	when	SCONJ
cjfa-33347	114	10	they	they	PRON
cjfa-33347	114	11	feel	feel	VERB
cjfa-33347	114	12	their	their	PRON
cjfa-33347	114	13	capital	capital	NOUN
cjfa-33347	114	14	will	will	AUX
cjfa-33347	114	15	be	be	AUX
cjfa-33347	114	16	securely	securely	ADV
cjfa-33347	114	17	the	the	DET
cjfa-33347	114	18	media	medium	NOUN
cjfa-33347	114	19	or	or	CCONJ
cjfa-33347	114	20	intermediates	intermediate	NOUN
cjfa-33347	114	21	.	.	PUNCT
cjfa-33347	115	1	the	the	DET
cjfa-33347	115	2	second	second	ADJ
cjfa-33347	115	3	proposition	proposition	NOUN
cjfa-33347	115	4	is	be	AUX
cjfa-33347	115	5	formed	form	VERB
cjfa-33347	115	6	on	on	ADP
cjfa-33347	115	7	this	this	DET
cjfa-33347	115	8	basis	basis	NOUN
cjfa-33347	115	9	as	as	ADP
cjfa-33347	115	10	:	:	PUNCT
cjfa-33347	115	11	proposition	proposition	NOUN
cjfa-33347	115	12	2	2	NUM
cjfa-33347	115	13	:	:	PUNCT
cjfa-33347	115	14	the	the	PRON
cjfa-33347	115	15	higher	high	ADJ
cjfa-33347	115	16	the	the	DET
cjfa-33347	115	17	security	security	NOUN
cjfa-33347	115	18	of	of	ADP
cjfa-33347	115	19	social	social	ADJ
cjfa-33347	115	20	networks	network	NOUN
cjfa-33347	115	21	,	,	PUNCT
cjfa-33347	115	22	the	the	PRON
cjfa-33347	115	23	higher	high	ADJ
cjfa-33347	115	24	the	the	DET
cjfa-33347	115	25	safety	safety	NOUN
cjfa-33347	115	26	of	of	ADP
cjfa-33347	115	27	the	the	DET
cjfa-33347	115	28	lender	lender	NOUN
cjfa-33347	115	29	’s	’s	PART
cjfa-33347	115	30	capital	capital	NOUN
cjfa-33347	115	31	,	,	PUNCT
cjfa-33347	115	32	hence	hence	ADV
cjfa-33347	115	33	a	a	DET
cjfa-33347	115	34	higher	high	ADJ
cjfa-33347	115	35	chance	chance	NOUN
cjfa-33347	115	36	to	to	PART
cjfa-33347	115	37	participate	participate	VERB
cjfa-33347	115	38	in	in	ADP
cjfa-33347	115	39	the	the	DET
cjfa-33347	115	40	p2p	p2p	NOUN
cjfa-33347	115	41	lending	lending	NOUN
cjfa-33347	115	42	platform	platform	NOUN
cjfa-33347	115	43	.	.	PUNCT
cjfa-33347	115	44	 	 	SPACE
cjfa-33347	116	1	conclusion	conclusion	NOUN
cjfa-33347	116	2	the	the	DET
cjfa-33347	116	3	growth	growth	NOUN
cjfa-33347	116	4	of	of	ADP
cjfa-33347	116	5	p2p	p2p	NOUN
cjfa-33347	116	6	lending	lending	NOUN
cjfa-33347	116	7	platforms	platform	NOUN
cjfa-33347	116	8	has	have	AUX
cjfa-33347	116	9	been	be	AUX
cjfa-33347	116	10	fueled	fuel	VERB
cjfa-33347	116	11	due	due	ADP
cjfa-33347	116	12	to	to	ADP
cjfa-33347	116	13	the	the	DET
cjfa-33347	116	14	lending	lending	NOUN
cjfa-33347	116	15	restriction	restriction	NOUN
cjfa-33347	116	16	from	from	ADP
cjfa-33347	116	17	traditional	traditional	ADJ
cjfa-33347	116	18	financial	financial	ADJ
cjfa-33347	116	19	institutions	institution	NOUN
cjfa-33347	116	20	.	.	PUNCT
cjfa-33347	117	1	smes	sme	NOUN
cjfa-33347	117	2	and	and	CCONJ
cjfa-33347	117	3	individual	individual	ADJ
cjfa-33347	117	4	entrepreneurs	entrepreneur	NOUN
cjfa-33347	117	5	can	can	AUX
cjfa-33347	117	6	utilize	utilize	VERB
cjfa-33347	117	7	p2p	p2p	NOUN
cjfa-33347	117	8	lending	lending	NOUN
cjfa-33347	117	9	as	as	ADP
cjfa-33347	117	10	a	a	DET
cjfa-33347	117	11	unique	unique	ADJ
cjfa-33347	117	12	alternate	alternate	ADJ
cjfa-33347	117	13	financing	financing	NOUN
cjfa-33347	117	14	method	method	NOUN
cjfa-33347	117	15	.	.	PUNCT
cjfa-33347	118	1	however	however	ADV
cjfa-33347	118	2	,	,	PUNCT
cjfa-33347	118	3	p2p	p2p	NOUN
cjfa-33347	118	4	lending	lending	NOUN
cjfa-33347	118	5	platforms	platform	NOUN
cjfa-33347	118	6	are	be	AUX
cjfa-33347	118	7	facing	face	VERB
cjfa-33347	118	8	information	information	NOUN
cjfa-33347	118	9	asymmetry	asymmetry	NOUN
cjfa-33347	118	10	issues	issue	NOUN
cjfa-33347	118	11	that	that	PRON
cjfa-33347	118	12	are	be	AUX
cjfa-33347	118	13	collected	collect	VERB
cjfa-33347	118	14	through	through	ADP
cjfa-33347	118	15	social	social	ADJ
cjfa-33347	118	16	networks	network	NOUN
cjfa-33347	118	17	,	,	PUNCT
cjfa-33347	118	18	especially	especially	ADV
cjfa-33347	118	19	in	in	ADP
cjfa-33347	118	20	a	a	DET
cjfa-33347	118	21	developing	develop	VERB
cjfa-33347	118	22	country	country	NOUN
cjfa-33347	118	23	.	.	PUNCT
cjfa-33347	119	1	this	this	DET
cjfa-33347	119	2	research	research	NOUN
cjfa-33347	119	3	aims	aim	VERB
cjfa-33347	119	4	to	to	PART
cjfa-33347	119	5	demonstrate	demonstrate	VERB
cjfa-33347	119	6	theoretically	theoretically	ADV
cjfa-33347	119	7	the	the	DET
cjfa-33347	119	8	factors	factor	NOUN
cjfa-33347	119	9	that	that	PRON
cjfa-33347	119	10	influence	influence	VERB
cjfa-33347	119	11	lenders	lender	NOUN
cjfa-33347	119	12	to	to	PART
cjfa-33347	119	13	invest	invest	VERB
cjfa-33347	119	14	in	in	ADP
cjfa-33347	119	15	the	the	DET
cjfa-33347	119	16	p2p	p2p	NOUN
cjfa-33347	119	17	lending	lending	NOUN
cjfa-33347	119	18	platform	platform	NOUN
cjfa-33347	119	19	in	in	ADP
cjfa-33347	119	20	developing	develop	VERB
cjfa-33347	119	21	countries	country	NOUN
cjfa-33347	119	22	.	.	PUNCT
cjfa-33347	120	1	several	several	ADJ
cjfa-33347	120	2	social	social	ADJ
cjfa-33347	120	3	network	network	NOUN
cjfa-33347	120	4	literatures	literature	NOUN
cjfa-33347	120	5	offer	offer	VERB
cjfa-33347	120	6	support	support	NOUN
cjfa-33347	120	7	for	for	ADP
cjfa-33347	120	8	the	the	DET
cjfa-33347	120	9	important	important	ADJ
cjfa-33347	120	10	role	role	NOUN
cjfa-33347	120	11	of	of	ADP
cjfa-33347	120	12	the	the	DET
cjfa-33347	120	13	social	social	ADJ
cjfa-33347	120	14	network	network	NOUN
cjfa-33347	120	15	to	to	PART
cjfa-33347	120	16	mitigate	mitigate	VERB
cjfa-33347	120	17	risks	risk	NOUN
cjfa-33347	120	18	for	for	ADP
cjfa-33347	120	19	p2p	p2p	NOUN
cjfa-33347	120	20	lenders	lender	NOUN
cjfa-33347	120	21	such	such	ADJ
cjfa-33347	120	22	as	as	ADP
cjfa-33347	120	23	in	in	ADP
cjfa-33347	120	24	achieving	achieve	VERB
cjfa-33347	120	25	transparency	transparency	NOUN
cjfa-33347	120	26	in	in	ADP
cjfa-33347	120	27	terms	term	NOUN
cjfa-33347	120	28	of	of	ADP
cjfa-33347	120	29	better	well	ADJ
cjfa-33347	120	30	borrower	borrower	NOUN
cjfa-33347	120	31	selection	selection	NOUN
cjfa-33347	120	32	,	,	PUNCT
cjfa-33347	120	33	lending	lending	NOUN
cjfa-33347	120	34	,	,	PUNCT
cjfa-33347	120	35	and	and	CCONJ
cjfa-33347	120	36	default	default	NOUN
cjfa-33347	120	37	risk	risk	NOUN
cjfa-33347	120	38	.	.	PUNCT
cjfa-33347	121	1	this	this	DET
cjfa-33347	121	2	approach	approach	NOUN
cjfa-33347	121	3	is	be	AUX
cjfa-33347	121	4	based	base	VERB
cjfa-33347	121	5	on	on	ADP
cjfa-33347	121	6	the	the	DET
cjfa-33347	121	7	changing	change	VERB
cjfa-33347	121	8	nature	nature	NOUN
cjfa-33347	121	9	of	of	ADP
cjfa-33347	121	10	perceived	perceive	VERB
cjfa-33347	121	11	risk	risk	NOUN
cjfa-33347	121	12	and	and	CCONJ
cjfa-33347	121	13	the	the	DET
cjfa-33347	121	14	security	security	NOUN
cjfa-33347	121	15	of	of	ADP
cjfa-33347	121	16	the	the	DET
cjfa-33347	121	17	lender	lender	NOUN
cjfa-33347	121	18	’s	’s	PART
cjfa-33347	121	19	capital	capital	NOUN
cjfa-33347	121	20	relations	relation	NOUN
cjfa-33347	121	21	.	.	PUNCT
cjfa-33347	122	1	the	the	DET
cjfa-33347	122	2	propositions	proposition	NOUN
cjfa-33347	122	3	of	of	ADP
cjfa-33347	122	4	this	this	DET
cjfa-33347	122	5	study	study	NOUN
cjfa-33347	122	6	demonstrate	demonstrate	VERB
cjfa-33347	122	7	that	that	SCONJ
cjfa-33347	122	8	with	with	ADP
cjfa-33347	122	9	a	a	DET
cjfa-33347	122	10	higher	high	ADJ
cjfa-33347	122	11	level	level	NOUN
cjfa-33347	122	12	of	of	ADP
cjfa-33347	122	13	trust	trust	NOUN
cjfa-33347	122	14	on	on	ADP
cjfa-33347	122	15	social	social	ADJ
cjfa-33347	122	16	networks	network	NOUN
cjfa-33347	122	17	,	,	PUNCT
cjfa-33347	122	18	the	the	DET
cjfa-33347	122	19	lenders	lender	NOUN
cjfa-33347	122	20	can	can	AUX
cjfa-33347	122	21	lower	lower	VERB
cjfa-33347	122	22	their	their	PRON
cjfa-33347	122	23	perceived	perceive	VERB
cjfa-33347	122	24	risks	risk	NOUN
cjfa-33347	122	25	,	,	PUNCT
cjfa-33347	122	26	hence	hence	ADV
cjfa-33347	122	27	,	,	PUNCT
cjfa-33347	122	28	providing	provide	VERB
cjfa-33347	122	29	a	a	DET
cjfa-33347	122	30	better	well	ADJ
cjfa-33347	122	31	chance	chance	NOUN
cjfa-33347	122	32	for	for	SCONJ
cjfa-33347	122	33	them	they	PRON
cjfa-33347	122	34	to	to	PART
cjfa-33347	122	35	participate	participate	VERB
cjfa-33347	122	36	in	in	ADP
cjfa-33347	122	37	p2p	p2p	NOUN
cjfa-33347	122	38	lending	lending	NOUN
cjfa-33347	122	39	.	.	PUNCT
cjfa-33347	123	1	nadia	nadia	PROPN
cjfa-33347	123	2	nahar	nahar	PROPN
cjfa-33347	123	3	purkayastha	purkayastha	PROPN
cjfa-33347	123	4	,	,	PUNCT
cjfa-33347	123	5	şule	şule	VERB
cjfa-33347	123	6	erdem	erdem	NOUN
cjfa-33347	123	7	tuzlukaya140	tuzlukaya140	PROPN
cjfa-33347	123	8	however	however	ADV
cjfa-33347	123	9	,	,	PUNCT
cjfa-33347	123	10	by	by	ADP
cjfa-33347	123	11	creating	create	VERB
cjfa-33347	123	12	a	a	DET
cjfa-33347	123	13	more	more	ADV
cjfa-33347	123	14	secure	secure	ADJ
cjfa-33347	123	15	social	social	ADJ
cjfa-33347	123	16	network	network	NOUN
cjfa-33347	123	17	for	for	ADP
cjfa-33347	123	18	the	the	DET
cjfa-33347	123	19	p2p	p2p	NOUN
cjfa-33347	123	20	lenders	lender	NOUN
cjfa-33347	123	21	and	and	CCONJ
cjfa-33347	123	22	borrowers	borrower	NOUN
cjfa-33347	123	23	,	,	PUNCT
cjfa-33347	123	24	a	a	DET
cjfa-33347	123	25	higher	high	ADJ
cjfa-33347	123	26	level	level	NOUN
cjfa-33347	123	27	of	of	ADP
cjfa-33347	123	28	safety	safety	NOUN
cjfa-33347	123	29	for	for	ADP
cjfa-33347	123	30	the	the	DET
cjfa-33347	123	31	lender	lender	NOUN
cjfa-33347	123	32	’s	’s	PART
cjfa-33347	123	33	capital	capital	NOUN
cjfa-33347	123	34	can	can	AUX
cjfa-33347	123	35	be	be	AUX
cjfa-33347	123	36	ensured	ensure	VERB
cjfa-33347	123	37	.	.	PUNCT
cjfa-33347	124	1	in	in	ADP
cjfa-33347	124	2	bringing	bring	VERB
cjfa-33347	124	3	the	the	DET
cjfa-33347	124	4	social	social	ADJ
cjfa-33347	124	5	network	network	NOUN
cjfa-33347	124	6	approach	approach	NOUN
cjfa-33347	124	7	to	to	PART
cjfa-33347	124	8	determine	determine	VERB
cjfa-33347	124	9	the	the	DET
cjfa-33347	124	10	benefits	benefit	NOUN
cjfa-33347	124	11	and	and	CCONJ
cjfa-33347	124	12	risks	risk	NOUN
cjfa-33347	124	13	of	of	ADP
cjfa-33347	124	14	p2p	p2p	NOUN
cjfa-33347	124	15	lending	lending	NOUN
cjfa-33347	124	16	,	,	PUNCT
cjfa-33347	124	17	we	we	PRON
cjfa-33347	124	18	aim	aim	VERB
cjfa-33347	124	19	to	to	PART
cjfa-33347	124	20	draw	draw	VERB
cjfa-33347	124	21	attention	attention	NOUN
cjfa-33347	124	22	to	to	ADP
cjfa-33347	124	23	the	the	DET
cjfa-33347	124	24	trust	trust	NOUN
cjfa-33347	124	25	-	-	PUNCT
cjfa-33347	124	26	risk	risk	NOUN
cjfa-33347	124	27	nexus	nexus	NOUN
cjfa-33347	124	28	within	within	ADP
cjfa-33347	124	29	the	the	DET
cjfa-33347	124	30	context	context	NOUN
cjfa-33347	124	31	of	of	ADP
cjfa-33347	124	32	p2p	p2p	NOUN
cjfa-33347	124	33	lending	lending	NOUN
cjfa-33347	124	34	.	.	PUNCT
cjfa-33347	125	1	however	however	ADV
cjfa-33347	125	2	,	,	PUNCT
cjfa-33347	125	3	the	the	DET
cjfa-33347	125	4	limitations	limitation	NOUN
cjfa-33347	125	5	of	of	ADP
cjfa-33347	125	6	the	the	DET
cjfa-33347	125	7	study	study	NOUN
cjfa-33347	125	8	should	should	AUX
cjfa-33347	125	9	not	not	PART
cjfa-33347	125	10	be	be	AUX
cjfa-33347	125	11	left	leave	VERB
cjfa-33347	125	12	overlooked	overlook	VERB
cjfa-33347	125	13	;	;	PUNCT
cjfa-33347	125	14	specifically	specifically	ADV
cjfa-33347	125	15	,	,	PUNCT
cjfa-33347	125	16	the	the	DET
cjfa-33347	125	17	topics	topic	NOUN
cjfa-33347	125	18	related	relate	VERB
cjfa-33347	125	19	to	to	ADP
cjfa-33347	125	20	the	the	DET
cjfa-33347	125	21	legal	legal	ADJ
cjfa-33347	125	22	and	and	CCONJ
cjfa-33347	125	23	regulatory	regulatory	ADJ
cjfa-33347	125	24	framework	framework	NOUN
cjfa-33347	125	25	should	should	AUX
cjfa-33347	125	26	also	also	ADV
cjfa-33347	125	27	be	be	AUX
cjfa-33347	125	28	considered	consider	VERB
cjfa-33347	125	29	since	since	SCONJ
cjfa-33347	125	30	the	the	DET
cjfa-33347	125	31	power	power	NOUN
cjfa-33347	125	32	relationship	relationship	NOUN
cjfa-33347	125	33	for	for	ADP
cjfa-33347	125	34	lenders	lender	NOUN
cjfa-33347	125	35	and	and	CCONJ
cjfa-33347	125	36	borrowers	borrower	NOUN
cjfa-33347	125	37	may	may	AUX
cjfa-33347	125	38	change	change	VERB
cjfa-33347	125	39	.	.	PUNCT
cjfa-33347	126	1	moreover	moreover	ADV
cjfa-33347	126	2	,	,	PUNCT
cjfa-33347	126	3	the	the	DET
cjfa-33347	126	4	propositions	proposition	NOUN
cjfa-33347	126	5	/	/	SYM
cjfa-33347	126	6	results	result	NOUN
cjfa-33347	126	7	may	may	AUX
cjfa-33347	126	8	differ	differ	VERB
cjfa-33347	126	9	when	when	SCONJ
cjfa-33347	126	10	it	it	PRON
cjfa-33347	126	11	comes	come	VERB
cjfa-33347	126	12	to	to	ADP
cjfa-33347	126	13	different	different	ADJ
cjfa-33347	126	14	country	country	NOUN
cjfa-33347	126	15	settings	setting	NOUN
cjfa-33347	126	16	with	with	ADP
cjfa-33347	126	17	distinct	distinct	ADJ
cjfa-33347	126	18	socio	socio	NOUN
cjfa-33347	126	19	-	-	PUNCT
cjfa-33347	126	20	economic	economic	ADJ
cjfa-33347	126	21	conditions	condition	NOUN
cjfa-33347	126	22	(	(	PUNCT
cjfa-33347	126	23	in	in	ADP
cjfa-33347	126	24	terms	term	NOUN
cjfa-33347	126	25	of	of	ADP
cjfa-33347	126	26	level	level	NOUN
cjfa-33347	126	27	of	of	ADP
cjfa-33347	126	28	development	development	NOUN
cjfa-33347	126	29	)	)	PUNCT
cjfa-33347	126	30	,	,	PUNCT
cjfa-33347	126	31	the	the	DET
cjfa-33347	126	32	role	role	NOUN
cjfa-33347	126	33	of	of	ADP
cjfa-33347	126	34	the	the	DET
cjfa-33347	126	35	state	state	NOUN
cjfa-33347	126	36	in	in	ADP
cjfa-33347	126	37	the	the	DET
cjfa-33347	126	38	economy	economy	NOUN
cjfa-33347	126	39	including	include	VERB
cjfa-33347	126	40	robust	robust	ADJ
cjfa-33347	126	41	regulatory	regulatory	ADJ
cjfa-33347	126	42	framework	framework	NOUN
cjfa-33347	126	43	and	and	CCONJ
cjfa-33347	126	44	the	the	DET
cjfa-33347	126	45	effect	effect	NOUN
cjfa-33347	126	46	of	of	ADP
cjfa-33347	126	47	culture	culture	NOUN
cjfa-33347	126	48	on	on	ADP
cjfa-33347	126	49	perceived	perceive	VERB
cjfa-33347	126	50	risk	risk	NOUN
cjfa-33347	126	51	for	for	ADP
cjfa-33347	126	52	p2p	p2p	NOUN
cjfa-33347	126	53	lending	lending	NOUN
cjfa-33347	126	54	may	may	AUX
cjfa-33347	126	55	also	also	ADV
cjfa-33347	126	56	be	be	AUX
cjfa-33347	126	57	considered	consider	VERB
cjfa-33347	126	58	in	in	ADP
cjfa-33347	126	59	future	future	ADJ
cjfa-33347	126	60	studies	study	NOUN
cjfa-33347	126	61	.	.	PUNCT
cjfa-33347	127	1	the	the	DET
cjfa-33347	127	2	two	two	NUM
cjfa-33347	127	3	theoretical	theoretical	ADJ
cjfa-33347	127	4	propositions	proposition	NOUN
cjfa-33347	127	5	put	put	VERB
cjfa-33347	127	6	forth	forth	ADP
cjfa-33347	127	7	in	in	ADP
cjfa-33347	127	8	this	this	DET
cjfa-33347	127	9	study	study	NOUN
cjfa-33347	127	10	can	can	AUX
cjfa-33347	127	11	be	be	AUX
cjfa-33347	127	12	further	far	ADV
cjfa-33347	127	13	tested	test	VERB
cjfa-33347	127	14	in	in	ADP
cjfa-33347	127	15	terms	term	NOUN
cjfa-33347	127	16	of	of	ADP
cjfa-33347	127	17	validity	validity	NOUN
cjfa-33347	127	18	through	through	ADP
cjfa-33347	127	19	empirical	empirical	ADJ
cjfa-33347	127	20	analysis	analysis	NOUN
cjfa-33347	127	21	of	of	ADP
cjfa-33347	127	22	data	datum	NOUN
cjfa-33347	127	23	collected	collect	VERB
cjfa-33347	127	24	from	from	ADP
cjfa-33347	127	25	surveys	survey	NOUN
cjfa-33347	127	26	and	and	CCONJ
cjfa-33347	127	27	perhaps	perhaps	ADV
cjfa-33347	127	28	randomized	randomize	VERB
cjfa-33347	127	29	control	control	NOUN
cjfa-33347	127	30	trials	trial	NOUN
cjfa-33347	127	31	(	(	PUNCT
cjfa-33347	127	32	rcts	rct	NOUN
cjfa-33347	127	33	)	)	PUNCT
cjfa-33347	127	34	.	.	PUNCT
cjfa-33347	127	35	 	 	SPACE
cjfa-33347	128	1	references	reference	NOUN
cjfa-33347	128	2	ariza	ariza	PROPN
cjfa-33347	128	3	,	,	PUNCT
cjfa-33347	128	4	m.	m.	NOUN
cjfa-33347	128	5	,	,	PUNCT
cjfa-33347	128	6	arroyo	arroyo	PROPN
cjfa-33347	128	7	,	,	PUNCT
cjfa-33347	128	8	j.	j.	PROPN
cjfa-33347	128	9	,	,	PUNCT
cjfa-33347	128	10	caparrini	caparrini	PROPN
cjfa-33347	128	11	,	,	PUNCT
cjfa-33347	128	12	a.	a.	NOUN
cjfa-33347	128	13	,	,	PUNCT
cjfa-33347	128	14	&	&	CCONJ
cjfa-33347	128	15	segovia	segovia	PROPN
cjfa-33347	128	16	,	,	PUNCT
cjfa-33347	128	17	m.j	m.j	PROPN
cjfa-33347	128	18	.	.	PROPN
cjfa-33347	128	19	(	(	PUNCT
cjfa-33347	128	20	2020	2020	NUM
cjfa-33347	128	21	)	)	PUNCT
cjfa-33347	128	22	.	.	PUNCT
cjfa-33347	129	1	explainability	explainability	NOUN
cjfa-33347	129	2	of	of	ADP
cjfa-33347	129	3	a	a	DET
cjfa-33347	129	4	machine	machine	NOUN
cjfa-33347	129	5	learning	learn	VERB
cjfa-33347	129	6	granting	grant	VERB
cjfa-33347	129	7	scoring	scoring	NOUN
cjfa-33347	129	8	model	model	NOUN
cjfa-33347	129	9	in	in	ADP
cjfa-33347	129	10	peer	peer	NOUN
cjfa-33347	129	11	-	-	PUNCT
cjfa-33347	129	12	to	to	ADP
cjfa-33347	129	13	-	-	PUNCT
cjfa-33347	129	14	peer	peer	NOUN
cjfa-33347	129	15	lending	lending	NOUN
cjfa-33347	129	16	.	.	PUNCT
cjfa-33347	130	1	ieee	ieee	NOUN
cjfa-33347	130	2	access	access	NOUN
cjfa-33347	130	3	,	,	PUNCT
cjfa-33347	130	4	8	8	NUM
cjfa-33347	130	5	,	,	PUNCT
cjfa-33347	130	6	6487364890	6487364890	NUM
cjfa-33347	130	7	.	.	PUNCT
cjfa-33347	131	1	http://dx.doi.org/10.1109/access.2020.2984412	http://dx.doi.org/10.1109/access.2020.2984412	PROPN
cjfa-33347	131	2	.	.	PUNCT
cjfa-33347	132	1	bachmann	bachmann	PROPN
cjfa-33347	132	2	,	,	PUNCT
cjfa-33347	132	3	a.	a.	PROPN
cjfa-33347	132	4	,	,	PUNCT
cjfa-33347	132	5	becker	becker	PROPN
cjfa-33347	132	6	,	,	PUNCT
cjfa-33347	132	7	a.	a.	PROPN
cjfa-33347	132	8	,	,	PUNCT
cjfa-33347	132	9	buerckner	buerckner	NOUN
cjfa-33347	132	10	,	,	PUNCT
cjfa-33347	132	11	d.	d.	PROPN
cjfa-33347	132	12	,	,	PUNCT
cjfa-33347	132	13	hilker	hilker	NOUN
cjfa-33347	132	14	,	,	PUNCT
cjfa-33347	132	15	m.	m.	NOUN
cjfa-33347	132	16	,	,	PUNCT
cjfa-33347	132	17	kock	kock	PROPN
cjfa-33347	132	18	,	,	PUNCT
cjfa-33347	132	19	f.	f.	PROPN
cjfa-33347	132	20	,	,	PUNCT
cjfa-33347	132	21	lehmann	lehmann	PROPN
cjfa-33347	132	22	,	,	PUNCT
cjfa-33347	132	23	m.	m.	NOUN
cjfa-33347	132	24	,	,	PUNCT
cjfa-33347	132	25	tiburtius	tiburtius	NOUN
cjfa-33347	132	26	,	,	PUNCT
cjfa-33347	132	27	p.	p.	NOUN
cjfa-33347	132	28	,	,	PUNCT
cjfa-33347	132	29	&	&	CCONJ
cjfa-33347	132	30	funk	funk	NOUN
cjfa-33347	132	31	,	,	PUNCT
cjfa-33347	132	32	b.	b.	PROPN
cjfa-33347	132	33	(	(	PUNCT
cjfa-33347	132	34	2011	2011	NUM
cjfa-33347	132	35	)	)	PUNCT
cjfa-33347	132	36	.	.	PUNCT
cjfa-33347	133	1	online	online	ADJ
cjfa-33347	133	2	peer	peer	NOUN
cjfa-33347	133	3	-	-	PUNCT
cjfa-33347	133	4	to	to	ADP
cjfa-33347	133	5	-	-	PUNCT
cjfa-33347	133	6	peer	peer	NOUN
cjfa-33347	133	7	lending	lending	NOUN
cjfa-33347	133	8	-	-	PUNCT
cjfa-33347	133	9	a	a	DET
cjfa-33347	133	10	literature	literature	NOUN
cjfa-33347	133	11	review	review	NOUN
cjfa-33347	133	12	.	.	PUNCT
cjfa-33347	134	1	journal	journal	PROPN
cjfa-33347	134	2	of	of	ADP
cjfa-33347	134	3	internet	internet	NOUN
cjfa-33347	134	4	banking	banking	NOUN
cjfa-33347	134	5	and	and	CCONJ
cjfa-33347	134	6	commerce	commerce	NOUN
cjfa-33347	134	7	,	,	PUNCT
cjfa-33347	134	8	16(2	16(2	NUM
cjfa-33347	134	9	)	)	PUNCT
cjfa-33347	134	10	,	,	PUNCT
cjfa-33347	134	11	1	1	NUM
cjfa-33347	134	12	-	-	SYM
cjfa-33347	134	13	18	18	NUM
cjfa-33347	134	14	.	.	PUNCT
cjfa-33347	135	1	balyuk	balyuk	NOUN
cjfa-33347	135	2	,	,	PUNCT
cjfa-33347	135	3	t.	t.	PROPN
cjfa-33347	135	4	(	(	PUNCT
cjfa-33347	135	5	2019	2019	NUM
cjfa-33347	135	6	)	)	PUNCT
cjfa-33347	135	7	.	.	PUNCT
cjfa-33347	136	1	financial	financial	ADJ
cjfa-33347	136	2	innovation	innovation	NOUN
cjfa-33347	136	3	and	and	CCONJ
cjfa-33347	136	4	borrowers	borrower	NOUN
cjfa-33347	136	5	:	:	PUNCT
cjfa-33347	136	6	evidence	evidence	NOUN
cjfa-33347	136	7	from	from	ADP
cjfa-33347	136	8	peer	peer	NOUN
cjfa-33347	136	9	-	-	PUNCT
cjfa-33347	136	10	to	to	ADP
cjfa-33347	136	11	-	-	PUNCT
cjfa-33347	136	12	peer	peer	NOUN
cjfa-33347	136	13	lending	lending	NOUN
cjfa-33347	136	14	.	.	PUNCT
cjfa-33347	137	1	rotman	rotman	PROPN
cjfa-33347	137	2	school	school	PROPN
cjfa-33347	137	3	of	of	ADP
cjfa-33347	137	4	management	management	NOUN
cjfa-33347	137	5	working	working	NOUN
cjfa-33347	137	6	paper	paper	NOUN
cjfa-33347	137	7	,	,	PUNCT
cjfa-33347	137	8	2802220	2802220	NUM
cjfa-33347	137	9	,	,	PUNCT
cjfa-33347	137	10	1	1	NUM
cjfa-33347	137	11	-	-	SYM
cjfa-33347	137	12	56	56	NUM
cjfa-33347	137	13	.	.	PUNCT
cjfa-33347	138	1	http://dx.doi	http://dx.doi	NOUN
cjfa-33347	138	2	.	.	PUNCT
cjfa-33347	139	1	org/10.2139	org/10.2139	PROPN
cjfa-33347	139	2	/	/	SYM
cjfa-33347	139	3	ssrn.2802220	ssrn.2802220	PROPN
cjfa-33347	139	4	.	.	PROPN
cjfa-33347	139	5	bauchet	bauchet	PROPN
cjfa-33347	139	6	,	,	PUNCT
cjfa-33347	139	7	j.	j.	PROPN
cjfa-33347	139	8	,	,	PUNCT
cjfa-33347	139	9	marshall	marshall	PROPN
cjfa-33347	139	10	,	,	PUNCT
cjfa-33347	139	11	c.	c.	PROPN
cjfa-33347	139	12	,	,	PUNCT
cjfa-33347	139	13	starita	starita	NOUN
cjfa-33347	139	14	,	,	PUNCT
cjfa-33347	139	15	l.	l.	PROPN
cjfa-33347	139	16	,	,	PUNCT
cjfa-33347	139	17	thomas	thomas	PROPN
cjfa-33347	139	18	,	,	PUNCT
cjfa-33347	139	19	j.	j.	PROPN
cjfa-33347	139	20	,	,	PUNCT
cjfa-33347	139	21	&	&	CCONJ
cjfa-33347	139	22	yalouris	yalouris	PROPN
cjfa-33347	139	23	,	,	PUNCT
cjfa-33347	139	24	a.	a.	NOUN
cjfa-33347	139	25	(	(	PUNCT
cjfa-33347	139	26	2011	2011	NUM
cjfa-33347	139	27	)	)	PUNCT
cjfa-33347	139	28	.	.	PUNCT
cjfa-33347	140	1	latest	late	ADJ
cjfa-33347	140	2	findings	finding	NOUN
cjfa-33347	140	3	from	from	ADP
cjfa-33347	140	4	randomized	randomized	ADJ
cjfa-33347	140	5	evaluations	evaluation	NOUN
cjfa-33347	140	6	of	of	ADP
cjfa-33347	140	7	microfinance	microfinance	NOUN
cjfa-33347	140	8	.	.	PUNCT
cjfa-33347	141	1	washington	washington	PROPN
cjfa-33347	141	2	:	:	PUNCT
cjfa-33347	141	3	world	world	PROPN
cjfa-33347	141	4	bank	bank	PROPN
cjfa-33347	141	5	.	.	PUNCT
cjfa-33347	142	1	bertsch	bertsch	PROPN
cjfa-33347	142	2	,	,	PUNCT
cjfa-33347	142	3	c.	c.	PROPN
cjfa-33347	142	4	,	,	PUNCT
cjfa-33347	142	5	&	&	CCONJ
cjfa-33347	142	6	rosenvinge	rosenvinge	PROPN
cjfa-33347	142	7	,	,	PUNCT
cjfa-33347	142	8	c.j	c.j	PROPN
cjfa-33347	142	9	.	.	PROPN
cjfa-33347	143	1	(	(	PUNCT
cjfa-33347	143	2	2019	2019	NUM
cjfa-33347	143	3	)	)	PUNCT
cjfa-33347	143	4	.	.	PUNCT
cjfa-33347	144	1	fintech	fintech	NOUN
cjfa-33347	144	2	credit	credit	NOUN
cjfa-33347	144	3	:	:	PUNCT
cjfa-33347	144	4	online	online	ADJ
cjfa-33347	144	5	lending	lending	NOUN
cjfa-33347	144	6	platforms	platform	NOUN
cjfa-33347	144	7	in	in	ADP
cjfa-33347	144	8	sweden	sweden	PROPN
cjfa-33347	144	9	and	and	CCONJ
cjfa-33347	144	10	beyond	beyond	ADP
cjfa-33347	144	11	.	.	PUNCT
cjfa-33347	145	1	sveriges	sverige	VERB
cjfa-33347	145	2	riksbank	riksbank	PROPN
cjfa-33347	145	3	economic	economic	ADJ
cjfa-33347	145	4	review	review	NOUN
cjfa-33347	145	5	,	,	PUNCT
cjfa-33347	145	6	2	2	NUM
cjfa-33347	145	7	,	,	PUNCT
cjfa-33347	145	8	42	42	NUM
cjfa-33347	145	9	-	-	SYM
cjfa-33347	145	10	70	70	NUM
cjfa-33347	145	11	.	.	PUNCT
cjfa-33347	146	1	bokhari	bokhari	PROPN
cjfa-33347	146	2	,	,	PUNCT
cjfa-33347	146	3	m.m	m.m	PROPN
cjfa-33347	146	4	.	.	PROPN
cjfa-33347	146	5	(	(	PUNCT
cjfa-33347	146	6	2019	2019	NUM
cjfa-33347	146	7	)	)	PUNCT
cjfa-33347	146	8	.	.	PUNCT
cjfa-33347	147	1	credit	credit	NOUN
cjfa-33347	147	2	risk	risk	NOUN
cjfa-33347	147	3	analysis	analysis	NOUN
cjfa-33347	147	4	in	in	ADP
cjfa-33347	147	5	peer	peer	NOUN
cjfa-33347	147	6	to	to	ADP
cjfa-33347	147	7	peer	peer	NOUN
cjfa-33347	147	8	lending	lending	NOUN
cjfa-33347	147	9	data	datum	NOUN
cjfa-33347	147	10	set	set	NOUN
cjfa-33347	147	11	:	:	PUNCT
cjfa-33347	147	12	lending	lending	NOUN
cjfa-33347	147	13	club	club	NOUN
cjfa-33347	147	14	.	.	PUNCT
cjfa-33347	148	1	senior	senior	ADJ
cjfa-33347	148	2	projects	project	NOUN
cjfa-33347	148	3	spring	spring	VERB
cjfa-33347	148	4	,	,	PUNCT
cjfa-33347	148	5	105	105	NUM
cjfa-33347	148	6	,	,	PUNCT
cjfa-33347	148	7	1	1	NUM
cjfa-33347	148	8	-	-	SYM
cjfa-33347	148	9	48	48	NUM
cjfa-33347	148	10	.	.	PUNCT
cjfa-33347	149	1	buckley	buckley	PROPN
cjfa-33347	149	2	,	,	PUNCT
cjfa-33347	149	3	r.p	r.p	PROPN
cjfa-33347	149	4	.	.	PROPN
cjfa-33347	149	5	,	,	PUNCT
cjfa-33347	149	6	&	&	CCONJ
cjfa-33347	149	7	nixon	nixon	PROPN
cjfa-33347	149	8	,	,	PUNCT
cjfa-33347	149	9	j.	j.	PROPN
cjfa-33347	149	10	(	(	PUNCT
cjfa-33347	149	11	2009	2009	NUM
cjfa-33347	149	12	)	)	PUNCT
cjfa-33347	149	13	.	.	PUNCT
cjfa-33347	150	1	the	the	DET
cjfa-33347	150	2	role	role	NOUN
cjfa-33347	150	3	of	of	ADP
cjfa-33347	150	4	reputation	reputation	NOUN
cjfa-33347	150	5	in	in	ADP
cjfa-33347	150	6	banking	banking	NOUN
cjfa-33347	150	7	.	.	PUNCT
cjfa-33347	151	1	journal	journal	PROPN
cjfa-33347	151	2	of	of	ADP
cjfa-33347	151	3	banking	banking	NOUN
cjfa-33347	151	4	and	and	CCONJ
cjfa-33347	151	5	finance	finance	NOUN
cjfa-33347	151	6	law	law	NOUN
cjfa-33347	151	7	and	and	CCONJ
cjfa-33347	151	8	practice	practice	NOUN
cjfa-33347	151	9	,	,	PUNCT
cjfa-33347	151	10	20	20	NUM
cjfa-33347	151	11	,	,	PUNCT
cjfa-33347	151	12	37	37	NUM
cjfa-33347	151	13	-	-	SYM
cjfa-33347	151	14	50	50	NUM
cjfa-33347	151	15	.	.	PUNCT
cjfa-33347	152	1	chen	chen	PROPN
cjfa-33347	152	2	,	,	PUNCT
cjfa-33347	152	3	d.	d.	PROPN
cjfa-33347	152	4	,	,	PUNCT
cjfa-33347	152	5	lai	lai	PROPN
cjfa-33347	152	6	,	,	PUNCT
cjfa-33347	152	7	f.	f.	PROPN
cjfa-33347	152	8	,	,	PUNCT
cjfa-33347	152	9	&	&	CCONJ
cjfa-33347	152	10	lin	lin	PROPN
cjfa-33347	152	11	,	,	PUNCT
cjfa-33347	152	12	z.	z.	PROPN
cjfa-33347	152	13	(	(	PUNCT
cjfa-33347	152	14	2014	2014	NUM
cjfa-33347	152	15	)	)	PUNCT
cjfa-33347	152	16	.	.	PUNCT
cjfa-33347	153	1	a	a	DET
cjfa-33347	153	2	trust	trust	NOUN
cjfa-33347	153	3	model	model	NOUN
cjfa-33347	153	4	for	for	ADP
cjfa-33347	153	5	online	online	ADJ
cjfa-33347	153	6	peer	peer	NOUN
cjfa-33347	153	7	-	-	PUNCT
cjfa-33347	153	8	to	to	ADP
cjfa-33347	153	9	-	-	PUNCT
cjfa-33347	153	10	peer	peer	NOUN
cjfa-33347	153	11	lending	lending	NOUN
cjfa-33347	153	12	:	:	PUNCT
cjfa-33347	153	13	a	a	DET
cjfa-33347	153	14	lender	lender	NOUN
cjfa-33347	153	15	’s	’s	PART
cjfa-33347	153	16	perspective	perspective	NOUN
cjfa-33347	153	17	.	.	PUNCT
cjfa-33347	154	1	information	information	NOUN
cjfa-33347	154	2	technology	technology	NOUN
cjfa-33347	154	3	and	and	CCONJ
cjfa-33347	154	4	management	management	NOUN
cjfa-33347	154	5	,	,	PUNCT
cjfa-33347	154	6	15(4	15(4	NUM
cjfa-33347	154	7	)	)	PUNCT
cjfa-33347	154	8	,	,	PUNCT
cjfa-33347	154	9	239	239	NUM
cjfa-33347	154	10	-	-	SYM
cjfa-33347	154	11	254	254	NUM
cjfa-33347	154	12	.	.	PUNCT
cjfa-33347	155	1	http://dx.doi	http://dx.doi	NOUN
cjfa-33347	155	2	.	.	PUNCT
cjfa-33347	156	1	org/10.1007	org/10.1007	PROPN
cjfa-33347	156	2	/	/	SYM
cjfa-33347	156	3	s10799	s10799	NUM
cjfa-33347	156	4	-	-	PUNCT
cjfa-33347	156	5	014	014	NUM
cjfa-33347	156	6	-	-	PUNCT
cjfa-33347	156	7	0187	0187	NUM
cjfa-33347	156	8	-	-	PUNCT
cjfa-33347	156	9	z.	z.	PROPN
cjfa-33347	156	10	chen	chen	PROPN
cjfa-33347	156	11	,	,	PUNCT
cjfa-33347	156	12	x.	x.	PROPN
cjfa-33347	156	13	,	,	PUNCT
cjfa-33347	156	14	chong	chong	PROPN
cjfa-33347	156	15	,	,	PUNCT
cjfa-33347	156	16	z.	z.	PROPN
cjfa-33347	156	17	,	,	PUNCT
cjfa-33347	156	18	&	&	CCONJ
cjfa-33347	156	19	giudici	giudici	PROPN
cjfa-33347	156	20	,	,	PUNCT
cjfa-33347	156	21	p.	p.	NOUN
cjfa-33347	156	22	(	(	PUNCT
cjfa-33347	156	23	2020	2020	NUM
cjfa-33347	156	24	)	)	PUNCT
cjfa-33347	156	25	.	.	PUNCT
cjfa-33347	157	1	networking	network	VERB
cjfa-33347	157	2	with	with	ADP
cjfa-33347	157	3	peers	peer	NOUN
cjfa-33347	157	4	:	:	PUNCT
cjfa-33347	157	5	evidence	evidence	NOUN
cjfa-33347	157	6	from	from	ADP
cjfa-33347	157	7	a	a	DET
cjfa-33347	157	8	p2p	p2p	NOUN
cjfa-33347	157	9	lending	lending	NOUN
cjfa-33347	157	10	platform	platform	NOUN
cjfa-33347	157	11	.	.	PUNCT
cjfa-33347	158	1	adbi	adbi	ADJ
cjfa-33347	158	2	working	working	NOUN
cjfa-33347	158	3	paper	paper	NOUN
cjfa-33347	158	4	,	,	PUNCT
cjfa-33347	158	5	1080	1080	NUM
cjfa-33347	158	6	,	,	PUNCT
cjfa-33347	158	7	1	1	NUM
cjfa-33347	158	8	-	-	SYM
cjfa-33347	158	9	46	46	NUM
cjfa-33347	158	10	.	.	PUNCT
cjfa-33347	159	1	determination	determination	NOUN
cjfa-33347	159	2	of	of	ADP
cjfa-33347	159	3	the	the	DET
cjfa-33347	159	4	benefits	benefit	NOUN
cjfa-33347	159	5	and	and	CCONJ
cjfa-33347	159	6	risks	risk	NOUN
cjfa-33347	159	7	of	of	ADP
cjfa-33347	159	8	peer	peer	NOUN
cjfa-33347	159	9	-	-	PUNCT
cjfa-33347	159	10	to	to	ADP
cjfa-33347	159	11	-	-	PUNCT
cjfa-33347	159	12	peer	peer	NOUN
cjfa-33347	159	13	…	…	SYM
cjfa-33347	159	14	141	141	NUM
cjfa-33347	159	15	clarke	clarke	PROPN
cjfa-33347	159	16	,	,	PUNCT
cjfa-33347	159	17	c.	c.	PROPN
cjfa-33347	159	18	(	(	PUNCT
cjfa-33347	159	19	2019	2019	NUM
cjfa-33347	159	20	)	)	PUNCT
cjfa-33347	159	21	.	.	PUNCT
cjfa-33347	160	1	platform	platform	NOUN
cjfa-33347	160	2	lending	lending	NOUN
cjfa-33347	160	3	and	and	CCONJ
cjfa-33347	160	4	the	the	DET
cjfa-33347	160	5	politics	politic	NOUN
cjfa-33347	160	6	of	of	ADP
cjfa-33347	160	7	financial	financial	ADJ
cjfa-33347	160	8	infrastructures	infrastructure	NOUN
cjfa-33347	160	9	.	.	PUNCT
cjfa-33347	161	1	review	review	NOUN
cjfa-33347	161	2	of	of	ADP
cjfa-33347	161	3	international	international	ADJ
cjfa-33347	161	4	political	political	ADJ
cjfa-33347	161	5	economy	economy	NOUN
cjfa-33347	161	6	,	,	PUNCT
cjfa-33347	161	7	26(5	26(5	NUM
cjfa-33347	161	8	)	)	PUNCT
cjfa-33347	161	9	,	,	PUNCT
cjfa-33347	161	10	863	863	NUM
cjfa-33347	161	11	-	-	SYM
cjfa-33347	161	12	885	885	NUM
cjfa-33347	161	13	.	.	PUNCT
cjfa-33347	161	14	http://dx.doi.org/10.1080/0969	http://dx.doi.org/10.1080/0969	PROPN
cjfa-33347	161	15	2290.2019.1616598	2290.2019.1616598	NUM
cjfa-33347	161	16	.	.	PUNCT
cjfa-33347	161	17	de	de	PROPN
cjfa-33347	161	18	roure	roure	NOUN
cjfa-33347	161	19	,	,	PUNCT
cjfa-33347	161	20	c.	c.	NOUN
cjfa-33347	161	21	,	,	PUNCT
cjfa-33347	161	22	pelizzon	pelizzon	PROPN
cjfa-33347	161	23	,	,	PUNCT
cjfa-33347	161	24	l.	l.	PROPN
cjfa-33347	161	25	,	,	PUNCT
cjfa-33347	161	26	&	&	CCONJ
cjfa-33347	161	27	tasca	tasca	PROPN
cjfa-33347	161	28	,	,	PUNCT
cjfa-33347	161	29	p.	p.	NOUN
cjfa-33347	161	30	(	(	PUNCT
cjfa-33347	161	31	2016	2016	NUM
cjfa-33347	161	32	)	)	PUNCT
cjfa-33347	161	33	.	.	PUNCT
cjfa-33347	162	1	how	how	SCONJ
cjfa-33347	162	2	does	do	AUX
cjfa-33347	162	3	p2p	p2p	NOUN
cjfa-33347	162	4	lending	lend	VERB
cjfa-33347	162	5	fit	fit	ADJ
cjfa-33347	162	6	into	into	ADP
cjfa-33347	162	7	the	the	DET
cjfa-33347	162	8	consumer	consumer	NOUN
cjfa-33347	162	9	credit	credit	NOUN
cjfa-33347	162	10	market	market	NOUN
cjfa-33347	162	11	?	?	PUNCT
cjfa-33347	163	1	discussion	discussion	NOUN
cjfa-33347	163	2	paper	paper	PROPN
cjfa-33347	163	3	deutsche	deutsche	PROPN
cjfa-33347	163	4	bundesbank	bundesbank	PROPN
cjfa-33347	163	5	,	,	PUNCT
cjfa-33347	163	6	30/2016	30/2016	PROPN
cjfa-33347	163	7	,	,	PUNCT
cjfa-33347	163	8	1	1	NUM
cjfa-33347	163	9	-	-	SYM
cjfa-33347	163	10	19	19	NUM
cjfa-33347	163	11	.	.	PUNCT
cjfa-33347	163	12	deli	deli	PROPN
cjfa-33347	163	13	,	,	PUNCT
cjfa-33347	163	14	y.	y.	PROPN
cjfa-33347	163	15	d.	d.	PROPN
cjfa-33347	163	16	,	,	PUNCT
cjfa-33347	163	17	delis	deli	NOUN
cjfa-33347	163	18	,	,	PUNCT
cjfa-33347	163	19	m.d	m.d	PROPN
cjfa-33347	163	20	.	.	PROPN
cjfa-33347	163	21	,	,	PUNCT
cjfa-33347	163	22	hasan	hasan	PROPN
cjfa-33347	163	23	,	,	PUNCT
cjfa-33347	163	24	i.	i.	PROPN
cjfa-33347	163	25	,	,	PUNCT
cjfa-33347	163	26	&	&	CCONJ
cjfa-33347	163	27	liu	liu	PROPN
cjfa-33347	163	28	,	,	PUNCT
cjfa-33347	163	29	l.	l.	PROPN
cjfa-33347	163	30	(	(	PUNCT
cjfa-33347	163	31	2019	2019	NUM
cjfa-33347	163	32	)	)	PUNCT
cjfa-33347	163	33	.	.	PUNCT
cjfa-33347	164	1	enforcement	enforcement	NOUN
cjfa-33347	164	2	of	of	ADP
cjfa-33347	164	3	banking	banking	NOUN
cjfa-33347	164	4	regulation	regulation	NOUN
cjfa-33347	164	5	and	and	CCONJ
cjfa-33347	164	6	the	the	DET
cjfa-33347	164	7	cost	cost	NOUN
cjfa-33347	164	8	of	of	ADP
cjfa-33347	164	9	borrowing	borrowing	NOUN
cjfa-33347	164	10	.	.	PUNCT
cjfa-33347	165	1	journal	journal	NOUN
cjfa-33347	165	2	of	of	ADP
cjfa-33347	165	3	banking	banking	NOUN
cjfa-33347	165	4	&	&	CCONJ
cjfa-33347	165	5	finance	finance	PROPN
cjfa-33347	165	6	,	,	PUNCT
cjfa-33347	165	7	101	101	NUM
cjfa-33347	165	8	,	,	PUNCT
cjfa-33347	165	9	147	147	NUM
cjfa-33347	165	10	-	-	SYM
cjfa-33347	165	11	160	160	NUM
cjfa-33347	165	12	.	.	PUNCT
cjfa-33347	166	1	http://dx.doi	http://dx.doi	NOUN
cjfa-33347	166	2	.	.	PUNCT
cjfa-33347	167	1	org/10.1016	org/10.1016	PROPN
cjfa-33347	167	2	/	/	SYM
cjfa-33347	167	3	j.jbankfin.2019.01.016	j.jbankfin.2019.01.016	PROPN
cjfa-33347	167	4	.	.	PUNCT
cjfa-33347	167	5	dorfleitner	dorfleitner	PROPN
cjfa-33347	167	6	,	,	PUNCT
cjfa-33347	167	7	g.	g.	PROPN
cjfa-33347	167	8	,	,	PUNCT
cjfa-33347	167	9	oswald	oswald	PROPN
cjfa-33347	167	10	,	,	PUNCT
cjfa-33347	167	11	e.m	e.m	PROPN
cjfa-33347	167	12	.	.	PROPN
cjfa-33347	167	13	,	,	PUNCT
cjfa-33347	167	14	&	&	CCONJ
cjfa-33347	167	15	zhang	zhang	PROPN
cjfa-33347	167	16	,	,	PUNCT
cjfa-33347	167	17	r.	r.	PROPN
cjfa-33347	167	18	(	(	PUNCT
cjfa-33347	167	19	2019	2019	NUM
cjfa-33347	167	20	)	)	PUNCT
cjfa-33347	167	21	.	.	PUNCT
cjfa-33347	168	1	from	from	ADP
cjfa-33347	168	2	credit	credit	NOUN
cjfa-33347	168	3	risk	risk	NOUN
cjfa-33347	168	4	to	to	ADP
cjfa-33347	168	5	social	social	ADJ
cjfa-33347	168	6	impact	impact	NOUN
cjfa-33347	168	7	:	:	PUNCT
cjfa-33347	168	8	on	on	ADP
cjfa-33347	168	9	the	the	DET
cjfa-33347	168	10	funding	funding	NOUN
cjfa-33347	168	11	determinants	determinant	NOUN
cjfa-33347	168	12	in	in	ADP
cjfa-33347	168	13	interest	interest	NOUN
cjfa-33347	168	14	-	-	PUNCT
cjfa-33347	168	15	free	free	ADJ
cjfa-33347	168	16	peer	peer	NOUN
cjfa-33347	168	17	-	-	PUNCT
cjfa-33347	168	18	to	to	ADP
cjfa-33347	168	19	-	-	PUNCT
cjfa-33347	168	20	peer	peer	NOUN
cjfa-33347	168	21	lending	lending	NOUN
cjfa-33347	168	22	.	.	PUNCT
cjfa-33347	169	1	journal	journal	PROPN
cjfa-33347	169	2	of	of	ADP
cjfa-33347	169	3	business	business	NOUN
cjfa-33347	169	4	ethics	ethic	NOUN
cjfa-33347	169	5	,	,	PUNCT
cjfa-33347	169	6	1	1	NUM
cjfa-33347	169	7	-	-	SYM
cjfa-33347	169	8	26	26	NUM
cjfa-33347	169	9	.	.	PUNCT
cjfa-33347	170	1	http://dxdoi.org/10.1007/s10551-019-04311-8	http://dxdoi.org/10.1007/s10551-019-04311-8	PROPN
cjfa-33347	170	2	.	.	PROPN
cjfa-33347	170	3	du	du	PROPN
cjfa-33347	170	4	,	,	PUNCT
cjfa-33347	170	5	n.	n.	PROPN
cjfa-33347	170	6	,	,	PUNCT
cjfa-33347	170	7	li	li	PROPN
cjfa-33347	170	8	,	,	PUNCT
cjfa-33347	170	9	l.	l.	PROPN
cjfa-33347	170	10	,	,	PUNCT
cjfa-33347	170	11	lu	lu	PROPN
cjfa-33347	170	12	,	,	PUNCT
cjfa-33347	170	13	t.	t.	PROPN
cjfa-33347	170	14	,	,	PUNCT
cjfa-33347	170	15	&	&	CCONJ
cjfa-33347	170	16	lu	lu	PROPN
cjfa-33347	170	17	,	,	PUNCT
cjfa-33347	170	18	x.	x.	NOUN
cjfa-33347	170	19	(	(	PUNCT
cjfa-33347	170	20	2020	2020	NUM
cjfa-33347	170	21	)	)	PUNCT
cjfa-33347	170	22	.	.	PUNCT
cjfa-33347	171	1	prosocial	prosocial	ADJ
cjfa-33347	171	2	compliance	compliance	NOUN
cjfa-33347	171	3	in	in	ADP
cjfa-33347	171	4	p2p	p2p	NOUN
cjfa-33347	171	5	lending	lending	NOUN
cjfa-33347	171	6	:	:	PUNCT
cjfa-33347	171	7	a	a	DET
cjfa-33347	171	8	natural	natural	ADJ
cjfa-33347	171	9	field	field	NOUN
cjfa-33347	171	10	experiment	experiment	NOUN
cjfa-33347	171	11	.	.	PUNCT
cjfa-33347	172	1	management	management	NOUN
cjfa-33347	172	2	science	science	NOUN
cjfa-33347	172	3	,	,	PUNCT
cjfa-33347	172	4	66(1	66(1	NOUN
cjfa-33347	172	5	)	)	PUNCT
cjfa-33347	172	6	,	,	PUNCT
cjfa-33347	172	7	315	315	NUM
cjfa-33347	172	8	-	-	SYM
cjfa-33347	172	9	333	333	NUM
cjfa-33347	172	10	.	.	PUNCT
cjfa-33347	173	1	everett	everett	PROPN
cjfa-33347	173	2	,	,	PUNCT
cjfa-33347	173	3	c.r	c.r	PROPN
cjfa-33347	173	4	.	.	PROPN
cjfa-33347	173	5	(	(	PUNCT
cjfa-33347	173	6	2019	2019	NUM
cjfa-33347	173	7	)	)	PUNCT
cjfa-33347	173	8	.	.	PUNCT
cjfa-33347	174	1	origins	origin	NOUN
cjfa-33347	174	2	and	and	CCONJ
cjfa-33347	174	3	development	development	NOUN
cjfa-33347	174	4	of	of	ADP
cjfa-33347	174	5	credit	credit	NOUN
cjfa-33347	174	6	-	-	PUNCT
cjfa-33347	174	7	based	base	VERB
cjfa-33347	174	8	crowdfunding	crowdfunding	NOUN
cjfa-33347	174	9	.	.	PUNCT
cjfa-33347	175	1	graziadio	graziadio	PROPN
cjfa-33347	175	2	working	working	NOUN
cjfa-33347	175	3	paper	paper	NOUN
cjfa-33347	175	4	series	series	NOUN
cjfa-33347	175	5	,	,	PUNCT
cjfa-33347	175	6	7	7	NUM
cjfa-33347	175	7	,	,	PUNCT
cjfa-33347	175	8	1	1	NUM
cjfa-33347	175	9	-	-	SYM
cjfa-33347	175	10	32	32	NUM
cjfa-33347	175	11	.	.	PUNCT
cjfa-33347	176	1	featherman	featherman	PROPN
cjfa-33347	176	2	,	,	PUNCT
cjfa-33347	176	3	m.s	m.s	PROPN
cjfa-33347	176	4	.	.	PROPN
cjfa-33347	176	5	,	,	PUNCT
cjfa-33347	176	6	&	&	CCONJ
cjfa-33347	176	7	pavlou	pavlou	PROPN
cjfa-33347	176	8	,	,	PUNCT
cjfa-33347	176	9	p.a	p.a	PROPN
cjfa-33347	176	10	.	.	PROPN
cjfa-33347	176	11	(	(	PUNCT
cjfa-33347	176	12	2003	2003	NUM
cjfa-33347	176	13	)	)	PUNCT
cjfa-33347	176	14	.	.	PUNCT
cjfa-33347	177	1	predicting	predict	VERB
cjfa-33347	177	2	e	e	PROPN
cjfa-33347	177	3	-	-	ADJ
cjfa-33347	177	4	services	service	NOUN
cjfa-33347	177	5	adoption	adoption	NOUN
cjfa-33347	177	6	:	:	PUNCT
cjfa-33347	177	7	a	a	DET
cjfa-33347	177	8	perceived	perceive	VERB
cjfa-33347	177	9	risk	risk	NOUN
cjfa-33347	177	10	facets	facet	NOUN
cjfa-33347	177	11	perspective	perspective	NOUN
cjfa-33347	177	12	.	.	PUNCT
cjfa-33347	178	1	international	international	ADJ
cjfa-33347	178	2	journal	journal	PROPN
cjfa-33347	178	3	of	of	ADP
cjfa-33347	178	4	human	human	ADJ
cjfa-33347	178	5	-	-	PUNCT
cjfa-33347	178	6	computer	computer	NOUN
cjfa-33347	178	7	studies	study	NOUN
cjfa-33347	178	8	,	,	PUNCT
cjfa-33347	178	9	59(4	59(4	NUM
cjfa-33347	178	10	)	)	PUNCT
cjfa-33347	178	11	,	,	PUNCT
cjfa-33347	178	12	451-	451-	SYM
cjfa-33347	178	13	 	 	SPACE
cjfa-33347	178	14	474	474	NUM
cjfa-33347	178	15	.	.	PUNCT
cjfa-33347	179	1	http://dx.doi.org/10.1016/s1071-5819(03)00111-3	http://dx.doi.org/10.1016/s1071-5819(03)00111-3	PROPN
cjfa-33347	179	2	.	.	PUNCT
cjfa-33347	179	3	forbes	forbes	PROPN
cjfa-33347	179	4	(	(	PUNCT
cjfa-33347	179	5	2018	2018	NUM
cjfa-33347	179	6	)	)	PUNCT
cjfa-33347	179	7	.	.	PUNCT
cjfa-33347	180	1	what	what	PRON
cjfa-33347	180	2	is	be	AUX
cjfa-33347	180	3	crowdfunding	crowdfunde	VERB
cjfa-33347	180	4	?	?	PUNCT
cjfa-33347	181	1	https://www.forbes.com/sites/devinthorpe/2018/06/25/what-is-crowdfunding/#696c673465c5	https://www.forbes.com/sites/devinthorpe/2018/06/25/what-is-crowdfunding/#696c673465c5	PROPN
cjfa-33347	181	2	.	.	PUNCT
cjfa-33347	181	3	freedman	freedman	PROPN
cjfa-33347	181	4	,	,	PUNCT
cjfa-33347	181	5	s.	s.	PROPN
cjfa-33347	181	6	,	,	PUNCT
cjfa-33347	181	7	&	&	CCONJ
cjfa-33347	181	8	jin	jin	PROPN
cjfa-33347	181	9	,	,	PUNCT
cjfa-33347	181	10	g.z	g.z	PROPN
cjfa-33347	181	11	.	.	PROPN
cjfa-33347	181	12	(	(	PUNCT
cjfa-33347	181	13	2008	2008	NUM
cjfa-33347	181	14	)	)	PUNCT
cjfa-33347	181	15	.	.	PUNCT
cjfa-33347	182	1	do	do	AUX
cjfa-33347	182	2	social	social	ADJ
cjfa-33347	182	3	networks	network	NOUN
cjfa-33347	182	4	solve	solve	VERB
cjfa-33347	182	5	information	information	NOUN
cjfa-33347	182	6	problems	problem	NOUN
cjfa-33347	182	7	for	for	ADP
cjfa-33347	182	8	peer	peer	NOUN
cjfa-33347	182	9	-	-	PUNCT
cjfa-33347	182	10	to	to	ADP
cjfa-33347	182	11	-	-	PUNCT
cjfa-33347	182	12	peer	peer	NOUN
cjfa-33347	182	13	lending	lending	NOUN
cjfa-33347	182	14	?	?	PUNCT
cjfa-33347	183	1	evidence	evidence	NOUN
cjfa-33347	183	2	from	from	ADP
cjfa-33347	183	3	prosper	prosper	NOUN
cjfa-33347	183	4	.	.	PUNCT
cjfa-33347	184	1	com	com	NOUN
cjfa-33347	184	2	.	.	PUNCT
cjfa-33347	184	3	net	net	PROPN
cjfa-33347	184	4	institute	institute	PROPN
cjfa-33347	184	5	working	working	PROPN
cjfa-33347	184	6	paper	paper	NOUN
cjfa-33347	184	7	,	,	PUNCT
cjfa-33347	184	8	#	#	SYM
cjfa-33347	184	9	08	08	NUM
cjfa-33347	184	10	-	-	SYM
cjfa-33347	184	11	43	43	NUM
cjfa-33347	184	12	,	,	PUNCT
cjfa-33347	184	13	1	1	NUM
cjfa-33347	184	14	-	-	SYM
cjfa-33347	184	15	63	63	NUM
cjfa-33347	184	16	.	.	PUNCT
cjfa-33347	185	1	freedman	freedman	PROPN
cjfa-33347	185	2	,	,	PUNCT
cjfa-33347	185	3	s.	s.	PROPN
cjfa-33347	185	4	,	,	PUNCT
cjfa-33347	185	5	&	&	CCONJ
cjfa-33347	185	6	jin	jin	PROPN
cjfa-33347	185	7	,	,	PUNCT
cjfa-33347	185	8	g.z	g.z	PROPN
cjfa-33347	185	9	.	.	PROPN
cjfa-33347	185	10	(	(	PUNCT
cjfa-33347	185	11	2017	2017	NUM
cjfa-33347	185	12	)	)	PUNCT
cjfa-33347	185	13	.	.	PUNCT
cjfa-33347	186	1	the	the	DET
cjfa-33347	186	2	information	information	NOUN
cjfa-33347	186	3	value	value	NOUN
cjfa-33347	186	4	of	of	ADP
cjfa-33347	186	5	online	online	ADJ
cjfa-33347	186	6	social	social	ADJ
cjfa-33347	186	7	networks	network	NOUN
cjfa-33347	186	8	:	:	PUNCT
cjfa-33347	186	9	lessons	lesson	NOUN
cjfa-33347	186	10	from	from	ADP
cjfa-33347	186	11	peer	peer	NOUN
cjfa-33347	186	12	-	-	PUNCT
cjfa-33347	186	13	to	to	ADP
cjfa-33347	186	14	-	-	PUNCT
cjfa-33347	186	15	peer	peer	NOUN
cjfa-33347	186	16	lending	lending	NOUN
cjfa-33347	186	17	.	.	PUNCT
cjfa-33347	187	1	international	international	ADJ
cjfa-33347	187	2	journal	journal	PROPN
cjfa-33347	187	3	of	of	ADP
cjfa-33347	187	4	industrial	industrial	ADJ
cjfa-33347	187	5	organization	organization	NOUN
cjfa-33347	187	6	,	,	PUNCT
cjfa-33347	187	7	51	51	NUM
cjfa-33347	187	8	,	,	PUNCT
cjfa-33347	187	9	185	185	NUM
cjfa-33347	187	10	-	-	SYM
cjfa-33347	187	11	222	222	NUM
cjfa-33347	187	12	.	.	PUNCT
cjfa-33347	188	1	http://dx.doi.org/10.1016/j.ijindorg.2016.09.002	http://dx.doi.org/10.1016/j.ijindorg.2016.09.002	NOUN
cjfa-33347	188	2	.	.	PUNCT
cjfa-33347	188	3	gabbi	gabbi	PROPN
cjfa-33347	188	4	,	,	PUNCT
cjfa-33347	188	5	g.	g.	PROPN
cjfa-33347	188	6	,	,	PUNCT
cjfa-33347	188	7	giammarino	giammarino	NOUN
cjfa-33347	188	8	,	,	PUNCT
cjfa-33347	188	9	m.	m.	NOUN
cjfa-33347	188	10	,	,	PUNCT
cjfa-33347	188	11	matthias	matthias	PROPN
cjfa-33347	188	12	,	,	PUNCT
cjfa-33347	188	13	m.	m.	NOUN
cjfa-33347	188	14	,	,	PUNCT
cjfa-33347	188	15	monferrà	monferrà	PROPN
cjfa-33347	188	16	,	,	PUNCT
cjfa-33347	188	17	s.	s.	PROPN
cjfa-33347	188	18	,	,	PUNCT
cjfa-33347	188	19	&	&	CCONJ
cjfa-33347	188	20	sampagnaro	sampagnaro	PROPN
cjfa-33347	188	21	,	,	PUNCT
cjfa-33347	188	22	g.	g.	PROPN
cjfa-33347	188	23	(	(	PUNCT
cjfa-33347	188	24	2020	2020	NUM
cjfa-33347	188	25	)	)	PUNCT
cjfa-33347	188	26	.	.	PUNCT
cjfa-33347	189	1	does	do	VERB
cjfa-33347	189	2	face	face	VERB
cjfa-33347	189	3	-	-	PUNCT
cjfa-33347	189	4	to	to	ADP
cjfa-33347	189	5	-	-	PUNCT
cjfa-33347	189	6	face	face	NOUN
cjfa-33347	189	7	contact	contact	NOUN
cjfa-33347	189	8	matter	matter	NOUN
cjfa-33347	189	9	?	?	PUNCT
cjfa-33347	190	1	evidence	evidence	NOUN
cjfa-33347	190	2	on	on	ADP
cjfa-33347	190	3	loan	loan	NOUN
cjfa-33347	190	4	pricing	pricing	NOUN
cjfa-33347	190	5	.	.	PUNCT
cjfa-33347	191	1	the	the	DET
cjfa-33347	191	2	european	european	PROPN
cjfa-33347	191	3	journal	journal	PROPN
cjfa-33347	191	4	of	of	ADP
cjfa-33347	191	5	finance	finance	NOUN
cjfa-33347	191	6	,	,	PUNCT
cjfa-33347	191	7	26(7	26(7	NOUN
cjfa-33347	191	8	-	-	PUNCT
cjfa-33347	191	9	8)	8)	NUM
cjfa-33347	191	10	,	,	PUNCT
cjfa-33347	191	11	820	820	NUM
cjfa-33347	191	12	-	-	SYM
cjfa-33347	191	13	836	836	NUM
cjfa-33347	191	14	.	.	PUNCT
cjfa-33347	192	1	http://dx.doi.org/10.1080/1351847x.2019.1703023	http://dx.doi.org/10.1080/1351847x.2019.1703023	X
cjfa-33347	192	2	.	.	PUNCT
cjfa-33347	193	1	ge	ge	PROPN
cjfa-33347	193	2	,	,	PUNCT
cjfa-33347	193	3	r.	r.	PROPN
cjfa-33347	193	4	,	,	PUNCT
cjfa-33347	193	5	feng	feng	PROPN
cjfa-33347	193	6	,	,	PUNCT
cjfa-33347	193	7	j.	j.	PROPN
cjfa-33347	193	8	,	,	PUNCT
cjfa-33347	193	9	&	&	CCONJ
cjfa-33347	193	10	gu	gu	PROPN
cjfa-33347	193	11	,	,	PUNCT
cjfa-33347	193	12	b.	b.	PROPN
cjfa-33347	193	13	(	(	PUNCT
cjfa-33347	193	14	2016	2016	NUM
cjfa-33347	193	15	)	)	PUNCT
cjfa-33347	193	16	.	.	PUNCT
cjfa-33347	194	1	borrower	borrower	NOUN
cjfa-33347	194	2	’s	’s	PART
cjfa-33347	194	3	default	default	NOUN
cjfa-33347	194	4	and	and	CCONJ
cjfa-33347	194	5	self	self	NOUN
cjfa-33347	194	6	-	-	PUNCT
cjfa-33347	194	7	disclosure	disclosure	NOUN
cjfa-33347	194	8	of	of	ADP
cjfa-33347	194	9	social	social	ADJ
cjfa-33347	194	10	media	medium	NOUN
cjfa-33347	194	11	information	information	NOUN
cjfa-33347	194	12	in	in	ADP
cjfa-33347	194	13	p2p	p2p	NOUN
cjfa-33347	194	14	lending	lending	NOUN
cjfa-33347	194	15	.	.	PUNCT
cjfa-33347	195	1	financial	financial	ADJ
cjfa-33347	195	2	innovation	innovation	NOUN
cjfa-33347	195	3	,	,	PUNCT
cjfa-33347	195	4	2(30	2(30	NUM
cjfa-33347	195	5	)	)	PUNCT
cjfa-33347	195	6	,	,	PUNCT
cjfa-33347	195	7	1	1	NUM
cjfa-33347	195	8	-	-	SYM
cjfa-33347	195	9	6	6	NUM
cjfa-33347	195	10	.	.	PUNCT
cjfa-33347	195	11	http://dx.doi	http://dx.doi	NOUN
cjfa-33347	195	12	.	.	PUNCT
cjfa-33347	196	1	org/10.1186	org/10.1186	PROPN
cjfa-33347	196	2	/	/	SYM
cjfa-33347	196	3	s40854	s40854	NOUN
cjfa-33347	196	4	-	-	PUNCT
cjfa-33347	196	5	016	016	NUM
cjfa-33347	196	6	-	-	PUNCT
cjfa-33347	196	7	0048	0048	NUM
cjfa-33347	196	8	-	-	PUNCT
cjfa-33347	196	9	3	3	NUM
cjfa-33347	196	10	.	.	PUNCT
cjfa-33347	196	11	gonzalez	gonzalez	PROPN
cjfa-33347	196	12	,	,	PUNCT
cjfa-33347	196	13	l.	l.	PROPN
cjfa-33347	196	14	(	(	PUNCT
cjfa-33347	196	15	2019	2019	NUM
cjfa-33347	196	16	)	)	PUNCT
cjfa-33347	196	17	.	.	PUNCT
cjfa-33347	197	1	blockchain	blockchain	PROPN
cjfa-33347	197	2	,	,	PUNCT
cjfa-33347	197	3	herding	herding	NOUN
cjfa-33347	197	4	,	,	PUNCT
cjfa-33347	197	5	and	and	CCONJ
cjfa-33347	197	6	trust	trust	NOUN
cjfa-33347	197	7	in	in	ADP
cjfa-33347	197	8	peer	peer	NOUN
cjfa-33347	197	9	-	-	PUNCT
cjfa-33347	197	10	to	to	ADP
cjfa-33347	197	11	-	-	PUNCT
cjfa-33347	197	12	peer	peer	NOUN
cjfa-33347	197	13	lending	lending	NOUN
cjfa-33347	197	14	.	.	PUNCT
cjfa-33347	198	1	managerial	managerial	ADJ
cjfa-33347	198	2	finance	finance	NOUN
cjfa-33347	198	3	,	,	PUNCT
cjfa-33347	198	4	46(6	46(6	NOUN
cjfa-33347	198	5	)	)	PUNCT
cjfa-33347	198	6	,	,	PUNCT
cjfa-33347	198	7	815	815	NUM
cjfa-33347	198	8	-	-	SYM
cjfa-33347	198	9	831	831	NUM
cjfa-33347	198	10	.	.	PUNCT
cjfa-33347	199	1	http://dx.doi.org/10.1108/mf-09-2018-0423	http://dx.doi.org/10.1108/mf-09-2018-0423	X
cjfa-33347	199	2	.	.	PROPN
cjfa-33347	199	3	hartley	hartley	PROPN
cjfa-33347	199	4	,	,	PUNCT
cjfa-33347	199	5	s.e	s.e	PROPN
cjfa-33347	199	6	.	.	PROPN
cjfa-33347	199	7	(	(	PUNCT
cjfa-33347	199	8	2010	2010	NUM
cjfa-33347	199	9	)	)	PUNCT
cjfa-33347	199	10	.	.	PUNCT
cjfa-33347	200	1	kiva.org	kiva.org	X
cjfa-33347	200	2	:	:	PUNCT
cjfa-33347	200	3	crowd	crowd	NOUN
cjfa-33347	200	4	-	-	PUNCT
cjfa-33347	200	5	sourced	source	VERB
cjfa-33347	200	6	microfinance	microfinance	NOUN
cjfa-33347	200	7	and	and	CCONJ
cjfa-33347	200	8	cooperation	cooperation	NOUN
cjfa-33347	200	9	in	in	ADP
cjfa-33347	200	10	group	group	NOUN
cjfa-33347	200	11	lending	lending	NOUN
cjfa-33347	200	12	.	.	PUNCT
cjfa-33347	201	1	ssrn	ssrn	PROPN
cjfa-33347	201	2	working	working	PROPN
cjfa-33347	201	3	paper	paper	NOUN
cjfa-33347	201	4	,	,	PUNCT
cjfa-33347	201	5	1572182	1572182	NUM
cjfa-33347	201	6	.	.	PUNCT
cjfa-33347	202	1	http://dx.doi.org/10.2139/ssrn.1572182	http://dx.doi.org/10.2139/ssrn.1572182	NOUN
cjfa-33347	202	2	.	.	PUNCT
cjfa-33347	202	3	hassett	hassett	PROPN
cjfa-33347	202	4	,	,	PUNCT
cjfa-33347	202	5	t.	t.	PROPN
cjfa-33347	202	6	,	,	PUNCT
cjfa-33347	202	7	bergeron	bergeron	PROPN
cjfa-33347	202	8	,	,	PUNCT
cjfa-33347	202	9	j.	j.	PROPN
cjfa-33347	202	10	,	,	PUNCT
cjfa-33347	202	11	kreger	kreger	PROPN
cjfa-33347	202	12	,	,	PUNCT
cjfa-33347	202	13	m.	m.	NOUN
cjfa-33347	202	14	,	,	PUNCT
cjfa-33347	202	15	looft	looft	PROPN
cjfa-33347	202	16	,	,	PUNCT
cjfa-33347	202	17	m.	m.	NOUN
cjfa-33347	202	18	,	,	PUNCT
cjfa-33347	202	19	allen	allen	PROPN
cjfa-33347	202	20	,	,	PUNCT
cjfa-33347	202	21	g.	g.	PROPN
cjfa-33347	202	22	,	,	PUNCT
cjfa-33347	202	23	&	&	CCONJ
cjfa-33347	202	24	dubbe	dubbe	PROPN
cjfa-33347	202	25	,	,	PUNCT
cjfa-33347	202	26	d.	d.	PROPN
cjfa-33347	202	27	(	(	PUNCT
cjfa-33347	202	28	2011	2011	NUM
cjfa-33347	202	29	)	)	PUNCT
cjfa-33347	202	30	.	.	PUNCT
cjfa-33347	203	1	indirect	indirect	ADJ
cjfa-33347	203	2	p2p	p2p	NOUN
cjfa-33347	203	3	platforms	platform	NOUN
cjfa-33347	203	4	.	.	PUNCT
cjfa-33347	204	1	global	global	ADJ
cjfa-33347	204	2	microcredit	microcredit	PROPN
cjfa-33347	204	3	summit	summit	NOUN
cjfa-33347	204	4	,	,	PUNCT
cjfa-33347	204	5	1	1	NUM
cjfa-33347	204	6	-	-	SYM
cjfa-33347	204	7	32	32	NUM
cjfa-33347	204	8	.	.	PUNCT
cjfa-33347	205	1	havrylchyk	havrylchyk	PROPN
cjfa-33347	205	2	,	,	PUNCT
cjfa-33347	205	3	o.	o.	PROPN
cjfa-33347	205	4	,	,	PUNCT
cjfa-33347	205	5	&	&	CCONJ
cjfa-33347	205	6	verdier	verdier	NOUN
cjfa-33347	205	7	,	,	PUNCT
cjfa-33347	205	8	m.	m.	NOUN
cjfa-33347	205	9	(	(	PUNCT
cjfa-33347	205	10	2018	2018	NUM
cjfa-33347	205	11	)	)	PUNCT
cjfa-33347	205	12	.	.	PUNCT
cjfa-33347	206	1	the	the	DET
cjfa-33347	206	2	financial	financial	ADJ
cjfa-33347	206	3	intermediation	intermediation	NOUN
cjfa-33347	206	4	role	role	NOUN
cjfa-33347	206	5	of	of	ADP
cjfa-33347	206	6	the	the	DET
cjfa-33347	206	7	p2p	p2p	NOUN
cjfa-33347	206	8	lending	lending	NOUN
cjfa-33347	206	9	platforms	platform	NOUN
cjfa-33347	206	10	.	.	PUNCT
cjfa-33347	207	1	comparative	comparative	ADJ
cjfa-33347	207	2	economic	economic	ADJ
cjfa-33347	207	3	studies	study	NOUN
cjfa-33347	207	4	,	,	PUNCT
cjfa-33347	207	5	60(1	60(1	NUM
cjfa-33347	207	6	)	)	PUNCT
cjfa-33347	207	7	,	,	PUNCT
cjfa-33347	207	8	115	115	NUM
cjfa-33347	207	9	-	-	SYM
cjfa-33347	207	10	130	130	NUM
cjfa-33347	207	11	.	.	PUNCT
cjfa-33347	208	1	http://dx.doi	http://dx.doi	NOUN
cjfa-33347	208	2	.	.	PUNCT
cjfa-33347	209	1	org/10.1057	org/10.1057	ADV
cjfa-33347	209	2	/	/	SYM
cjfa-33347	209	3	s41294	s41294	NOUN
cjfa-33347	209	4	-	-	PUNCT
cjfa-33347	209	5	017	017	NUM
cjfa-33347	209	6	-	-	PUNCT
cjfa-33347	209	7	0045	0045	NUM
cjfa-33347	209	8	-	-	PUNCT
cjfa-33347	209	9	1	1	NUM
cjfa-33347	209	10	.	.	PUNCT
cjfa-33347	209	11	herrero	herrero	NOUN
cjfa-33347	209	12	-	-	PUNCT
cjfa-33347	209	13	lopez	lopez	NOUN
cjfa-33347	209	14	,	,	PUNCT
cjfa-33347	209	15	s.	s.	PROPN
cjfa-33347	209	16	(	(	PUNCT
cjfa-33347	209	17	2009	2009	NUM
cjfa-33347	209	18	)	)	PUNCT
cjfa-33347	209	19	.	.	PUNCT
cjfa-33347	210	1	social	social	ADJ
cjfa-33347	210	2	interactions	interaction	NOUN
cjfa-33347	210	3	in	in	ADP
cjfa-33347	210	4	p2p	p2p	NOUN
cjfa-33347	210	5	lending	lending	NOUN
cjfa-33347	210	6	.	.	PUNCT
cjfa-33347	211	1	in	in	ADP
cjfa-33347	211	2	c.l	c.l	PROPN
cjfa-33347	211	3	.	.	PROPN
cjfa-33347	211	4	giles	giles	PROPN
cjfa-33347	211	5	,	,	PUNCT
cjfa-33347	211	6	p.	p.	PROPN
cjfa-33347	211	7	mitra	mitra	PROPN
cjfa-33347	211	8	,	,	PUNCT
cjfa-33347	211	9	i.	i.	PROPN
cjfa-33347	211	10	perisic	perisic	PROPN
cjfa-33347	211	11	,	,	PUNCT
cjfa-33347	211	12	j.	j.	PROPN
cjfa-33347	211	13	yen	yen	PROPN
cjfa-33347	211	14	,	,	PUNCT
cjfa-33347	211	15	h.	h.	PROPN
cjfa-33347	211	16	zhang	zhang	PROPN
cjfa-33347	211	17	(	(	PUNCT
cjfa-33347	211	18	eds	eds	PROPN
cjfa-33347	211	19	.	.	PUNCT
cjfa-33347	211	20	)	)	PUNCT
cjfa-33347	211	21	.	.	PUNCT
cjfa-33347	212	1	sna	sna	PROPN
cjfa-33347	212	2	-	-	PUNCT
cjfa-33347	212	3	kdd	kdd	PROPN
cjfa-33347	212	4	‘	'	PUNCT
cjfa-33347	212	5	09	09	NUM
cjfa-33347	212	6	:	:	PUNCT
cjfa-33347	212	7	proceedings	proceeding	NOUN
cjfa-33347	212	8	of	of	ADP
cjfa-33347	212	9	the	the	DET
cjfa-33347	212	10	3rd	3rd	ADJ
cjfa-33347	212	11	workshop	workshop	NOUN
cjfa-33347	212	12	on	on	ADP
cjfa-33347	212	13	nadia	nadia	PROPN
cjfa-33347	212	14	nahar	nahar	PROPN
cjfa-33347	212	15	purkayastha	purkayastha	PROPN
cjfa-33347	212	16	,	,	PUNCT
cjfa-33347	212	17	şule	şule	ADJ
cjfa-33347	212	18	erdem	erdem	PROPN
cjfa-33347	212	19	tuzlukaya142	tuzlukaya142	PROPN
cjfa-33347	212	20	social	social	ADJ
cjfa-33347	212	21	network	network	NOUN
cjfa-33347	212	22	mining	mining	NOUN
cjfa-33347	212	23	and	and	CCONJ
cjfa-33347	212	24	analysis	analysis	NOUN
cjfa-33347	212	25	.	.	PUNCT
cjfa-33347	213	1	new	new	PROPN
cjfa-33347	213	2	york	york	PROPN
cjfa-33347	213	3	:	:	PUNCT
cjfa-33347	213	4	association	association	NOUN
cjfa-33347	213	5	for	for	ADP
cjfa-33347	213	6	computing	compute	VERB
cjfa-33347	213	7	machinery	machinery	NOUN
cjfa-33347	213	8	.	.	PUNCT
cjfa-33347	214	1	http://dx.doi.org/10.1145/1731011.1731014	http://dx.doi.org/10.1145/1731011.1731014	NOUN
cjfa-33347	214	2	.	.	PUNCT
cjfa-33347	215	1	herzenstein	herzenstein	PROPN
cjfa-33347	215	2	,	,	PUNCT
cjfa-33347	215	3	m.	m.	NOUN
cjfa-33347	215	4	,	,	PUNCT
cjfa-33347	215	5	andrews	andrews	PROPN
cjfa-33347	215	6	,	,	PUNCT
cjfa-33347	215	7	r.l	r.l	PROPN
cjfa-33347	215	8	.	.	PROPN
cjfa-33347	215	9	,	,	PUNCT
cjfa-33347	215	10	dholakia	dholakia	PROPN
cjfa-33347	215	11	,	,	PUNCT
cjfa-33347	215	12	u.m	u.m	PROPN
cjfa-33347	215	13	.	.	PROPN
cjfa-33347	215	14	,	,	PUNCT
cjfa-33347	215	15	&	&	CCONJ
cjfa-33347	215	16	lyandres	lyandres	PROPN
cjfa-33347	215	17	,	,	PUNCT
cjfa-33347	215	18	e.	e.	PROPN
cjfa-33347	215	19	(	(	PUNCT
cjfa-33347	215	20	2008	2008	NUM
cjfa-33347	215	21	)	)	PUNCT
cjfa-33347	215	22	.	.	PUNCT
cjfa-33347	216	1	the	the	DET
cjfa-33347	216	2	democratization	democratization	NOUN
cjfa-33347	216	3	of	of	ADP
cjfa-33347	216	4	personal	personal	ADJ
cjfa-33347	216	5	consumer	consumer	NOUN
cjfa-33347	216	6	loans	loan	NOUN
cjfa-33347	216	7	?	?	PUNCT
cjfa-33347	217	1	determinants	determinant	NOUN
cjfa-33347	217	2	of	of	ADP
cjfa-33347	217	3	success	success	NOUN
cjfa-33347	217	4	in	in	ADP
cjfa-33347	217	5	online	online	ADJ
cjfa-33347	217	6	peer	peer	NOUN
cjfa-33347	217	7	-	-	PUNCT
cjfa-33347	217	8	to	to	ADP
cjfa-33347	217	9	-	-	PUNCT
cjfa-33347	217	10	peer	peer	NOUN
cjfa-33347	217	11	lending	lending	NOUN
cjfa-33347	217	12	communities	community	NOUN
cjfa-33347	217	13	.	.	PUNCT
cjfa-33347	218	1	boston	boston	PROPN
cjfa-33347	218	2	university	university	PROPN
cjfa-33347	218	3	school	school	NOUN
cjfa-33347	218	4	of	of	ADP
cjfa-33347	218	5	management	management	NOUN
cjfa-33347	218	6	research	research	NOUN
cjfa-33347	218	7	paper	paper	NOUN
cjfa-33347	218	8	,	,	PUNCT
cjfa-33347	218	9	14(6	14(6	NOUN
cjfa-33347	218	10	)	)	PUNCT
cjfa-33347	218	11	,	,	PUNCT
cjfa-33347	218	12	1	1	NUM
cjfa-33347	218	13	-	-	SYM
cjfa-33347	218	14	36	36	NUM
cjfa-33347	218	15	.	.	PUNCT
cjfa-33347	219	1	iyer	iyer	PROPN
cjfa-33347	219	2	,	,	PUNCT
cjfa-33347	219	3	r.	r.	PROPN
cjfa-33347	219	4	,	,	PUNCT
cjfa-33347	219	5	khwaja	khwaja	PROPN
cjfa-33347	219	6	,	,	PUNCT
cjfa-33347	219	7	a.	a.	NOUN
cjfa-33347	219	8	i.	i.	PROPN
cjfa-33347	219	9	,	,	PUNCT
cjfa-33347	219	10	luttmer	luttmer	PROPN
cjfa-33347	219	11	,	,	PUNCT
cjfa-33347	219	12	e.	e.	PROPN
cjfa-33347	219	13	f.	f.	PROPN
cjfa-33347	219	14	,	,	PUNCT
cjfa-33347	219	15	&	&	CCONJ
cjfa-33347	219	16	shue	shue	PROPN
cjfa-33347	219	17	,	,	PUNCT
cjfa-33347	219	18	k.	k.	PROPN
cjfa-33347	219	19	(	(	PUNCT
cjfa-33347	219	20	2009	2009	NUM
cjfa-33347	219	21	)	)	PUNCT
cjfa-33347	219	22	.	.	PUNCT
cjfa-33347	220	1	screening	screen	VERB
cjfa-33347	220	2	in	in	ADP
cjfa-33347	220	3	new	new	ADJ
cjfa-33347	220	4	credit	credit	NOUN
cjfa-33347	220	5	markets	market	NOUN
cjfa-33347	220	6	:	:	PUNCT
cjfa-33347	220	7	can	can	AUX
cjfa-33347	220	8	individual	individual	ADJ
cjfa-33347	220	9	lenders	lender	NOUN
cjfa-33347	220	10	infer	infer	VERB
cjfa-33347	220	11	borrower	borrower	NOUN
cjfa-33347	220	12	creditworthiness	creditworthiness	NOUN
cjfa-33347	220	13	in	in	ADP
cjfa-33347	220	14	peer	peer	NOUN
cjfa-33347	220	15	-	-	PUNCT
cjfa-33347	220	16	to	to	ADP
cjfa-33347	220	17	-	-	PUNCT
cjfa-33347	220	18	peer	peer	NOUN
cjfa-33347	220	19	lending	lending	NOUN
cjfa-33347	220	20	?	?	PUNCT
cjfa-33347	221	1	afa	afa	PROPN
cjfa-33347	221	2	2011	2011	NUM
cjfa-33347	221	3	denver	denver	PROPN
cjfa-33347	221	4	meetings	meetings	PROPN
cjfa-33347	221	5	paper	paper	NOUN
cjfa-33347	221	6	,	,	PUNCT
cjfa-33347	221	7	1	1	NUM
cjfa-33347	221	8	-	-	SYM
cjfa-33347	221	9	41	41	NUM
cjfa-33347	221	10	.	.	PUNCT
cjfa-33347	222	1	http://dx.doi.org/10.2139/ssrn.1570115	http://dx.doi.org/10.2139/ssrn.1570115	X
cjfa-33347	222	2	.	.	PUNCT
cjfa-33347	223	1	iyer	iyer	PROPN
cjfa-33347	223	2	,	,	PUNCT
cjfa-33347	223	3	r.	r.	PROPN
cjfa-33347	223	4	,	,	PUNCT
cjfa-33347	223	5	khwaja	khwaja	PROPN
cjfa-33347	223	6	,	,	PUNCT
cjfa-33347	223	7	a.i	a.i	PROPN
cjfa-33347	223	8	.	.	PROPN
cjfa-33347	223	9	,	,	PUNCT
cjfa-33347	223	10	luttmer	luttmer	PROPN
cjfa-33347	223	11	,	,	PUNCT
cjfa-33347	223	12	e.f	e.f	PROPN
cjfa-33347	223	13	.	.	PROPN
cjfa-33347	223	14	,	,	PUNCT
cjfa-33347	223	15	&	&	CCONJ
cjfa-33347	223	16	shue	shue	PROPN
cjfa-33347	223	17	,	,	PUNCT
cjfa-33347	223	18	k.	k.	PROPN
cjfa-33347	223	19	(	(	PUNCT
cjfa-33347	223	20	2016	2016	NUM
cjfa-33347	223	21	)	)	PUNCT
cjfa-33347	223	22	.	.	PUNCT
cjfa-33347	224	1	screening	screen	VERB
cjfa-33347	224	2	peers	peer	NOUN
cjfa-33347	224	3	softly	softly	ADV
cjfa-33347	224	4	:	:	PUNCT
cjfa-33347	224	5	inferring	infer	VERB
cjfa-33347	224	6	the	the	DET
cjfa-33347	224	7	quality	quality	NOUN
cjfa-33347	224	8	of	of	ADP
cjfa-33347	224	9	small	small	ADJ
cjfa-33347	224	10	borrowers	borrower	NOUN
cjfa-33347	224	11	.	.	PUNCT
cjfa-33347	225	1	management	management	NOUN
cjfa-33347	225	2	science	science	NOUN
cjfa-33347	225	3	,	,	PUNCT
cjfa-33347	225	4	62(6	62(6	NOUN
cjfa-33347	225	5	)	)	PUNCT
cjfa-33347	225	6	,	,	PUNCT
cjfa-33347	225	7	1554	1554	NUM
cjfa-33347	225	8	-	-	SYM
cjfa-33347	225	9	1577	1577	NUM
cjfa-33347	225	10	.	.	PUNCT
cjfa-33347	226	1	http://	http://	PROPN
cjfa-33347	226	2	dx.doi.org/10.1287/mnsc.2015.2181	dx.doi.org/10.1287/mnsc.2015.2181	PROPN
cjfa-33347	226	3	.	.	PUNCT
cjfa-33347	227	1	jenq	jenq	PROPN
cjfa-33347	227	2	,	,	PUNCT
cjfa-33347	227	3	c.	c.	PROPN
cjfa-33347	227	4	,	,	PUNCT
cjfa-33347	227	5	pan	pan	PROPN
cjfa-33347	227	6	,	,	PUNCT
cjfa-33347	227	7	j.	j.	PROPN
cjfa-33347	227	8	,	,	PUNCT
cjfa-33347	227	9	&	&	CCONJ
cjfa-33347	227	10	theseira	theseira	PROPN
cjfa-33347	227	11	,	,	PUNCT
cjfa-33347	227	12	w.	w.	PROPN
cjfa-33347	227	13	(	(	PUNCT
cjfa-33347	227	14	2012	2012	NUM
cjfa-33347	227	15	)	)	PUNCT
cjfa-33347	227	16	.	.	PUNCT
cjfa-33347	228	1	what	what	PRON
cjfa-33347	228	2	do	do	AUX
cjfa-33347	228	3	donors	donor	NOUN
cjfa-33347	228	4	discriminate	discriminate	VERB
cjfa-33347	228	5	on	on	ADP
cjfa-33347	228	6	?	?	PUNCT
cjfa-33347	228	7	evidence	evidence	NOUN
cjfa-33347	228	8	from	from	ADP
cjfa-33347	228	9	kiva.org	kiva.org	PROPN
cjfa-33347	228	10	,	,	PUNCT
cjfa-33347	228	11	http://editorialexpress.com/cgi-bin/conference/download.cgi?db	http://editorialexpress.com/cgi-bin/conference/download.cgi?db	PROPN
cjfa-33347	228	12	_	_	PUNCT
cjfa-33347	228	13	name	name	NOUN
cjfa-33347	229	1	=	=	NOUN
cjfa-33347	229	2	serc2011&paper_id=310	serc2011&paper_id=310	NOUN
cjfa-33347	229	3	.	.	PUNCT
cjfa-33347	230	1	komiak	komiak	PROPN
cjfa-33347	230	2	,	,	PUNCT
cjfa-33347	230	3	s.y	s.y	PROPN
cjfa-33347	230	4	.	.	PROPN
cjfa-33347	230	5	,	,	PUNCT
cjfa-33347	230	6	&	&	CCONJ
cjfa-33347	230	7	benbasat	benbasat	PROPN
cjfa-33347	230	8	,	,	PUNCT
cjfa-33347	230	9	i.	i.	NOUN
cjfa-33347	230	10	(	(	PUNCT
cjfa-33347	230	11	2006	2006	NUM
cjfa-33347	230	12	)	)	PUNCT
cjfa-33347	230	13	.	.	PUNCT
cjfa-33347	231	1	the	the	DET
cjfa-33347	231	2	effects	effect	NOUN
cjfa-33347	231	3	of	of	ADP
cjfa-33347	231	4	personalization	personalization	NOUN
cjfa-33347	231	5	and	and	CCONJ
cjfa-33347	231	6	familiarity	familiarity	NOUN
cjfa-33347	231	7	on	on	ADP
cjfa-33347	231	8	trust	trust	NOUN
cjfa-33347	231	9	and	and	CCONJ
cjfa-33347	231	10	adoption	adoption	NOUN
cjfa-33347	231	11	of	of	ADP
cjfa-33347	231	12	recommendation	recommendation	NOUN
cjfa-33347	231	13	agents	agent	NOUN
cjfa-33347	231	14	.	.	PUNCT
cjfa-33347	232	1	mis	mis	PROPN
cjfa-33347	232	2	quarterly	quarterly	PROPN
cjfa-33347	232	3	,	,	PUNCT
cjfa-33347	232	4	30(4	30(4	NUM
cjfa-33347	232	5	)	)	PUNCT
cjfa-33347	232	6	,	,	PUNCT
cjfa-33347	232	7	941	941	NUM
cjfa-33347	232	8	-	-	SYM
cjfa-33347	232	9	960	960	NUM
cjfa-33347	232	10	.	.	PUNCT
cjfa-33347	233	1	lam	lam	PROPN
cjfa-33347	233	2	,	,	PUNCT
cjfa-33347	233	3	s.s	s.s	PROPN
cjfa-33347	233	4	.	.	PROPN
cjfa-33347	233	5	,	,	PUNCT
cjfa-33347	233	6	zhang	zhang	PROPN
cjfa-33347	233	7	,	,	PUNCT
cjfa-33347	233	8	w.	w.	PROPN
cjfa-33347	233	9	,	,	PUNCT
cjfa-33347	233	10	ang	ang	PROPN
cjfa-33347	233	11	,	,	PUNCT
cjfa-33347	233	12	a.x	a.x	PROPN
cjfa-33347	233	13	.	.	PROPN
cjfa-33347	233	14	,	,	PUNCT
cjfa-33347	233	15	&	&	CCONJ
cjfa-33347	233	16	jacob	jacob	PROPN
cjfa-33347	233	17	,	,	PUNCT
cjfa-33347	233	18	g.h	g.h	PROPN
cjfa-33347	233	19	.	.	PROPN
cjfa-33347	233	20	(	(	PUNCT
cjfa-33347	233	21	2020	2020	NUM
cjfa-33347	233	22	)	)	PUNCT
cjfa-33347	233	23	.	.	PUNCT
cjfa-33347	234	1	reciprocity	reciprocity	NOUN
cjfa-33347	234	2	between	between	ADP
cjfa-33347	234	3	financial	financial	ADJ
cjfa-33347	234	4	and	and	CCONJ
cjfa-33347	234	5	social	social	ADJ
cjfa-33347	234	6	performance	performance	NOUN
cjfa-33347	234	7	in	in	ADP
cjfa-33347	234	8	microfinance	microfinance	NOUN
cjfa-33347	234	9	institutions	institution	NOUN
cjfa-33347	234	10	.	.	PUNCT
cjfa-33347	235	1	public	public	ADJ
cjfa-33347	235	2	performance	performance	NOUN
cjfa-33347	235	3	&	&	CCONJ
cjfa-33347	235	4	management	management	PROPN
cjfa-33347	235	5	review	review	PROPN
cjfa-33347	235	6	,	,	PUNCT
cjfa-33347	235	7	43(1	43(1	NOUN
cjfa-33347	235	8	)	)	PUNCT
cjfa-33347	235	9	,	,	PUNCT
cjfa-33347	235	10	206	206	NUM
cjfa-33347	235	11	-	-	SYM
cjfa-33347	235	12	231	231	NUM
cjfa-33347	235	13	.	.	PUNCT
cjfa-33347	236	1	http://dx.doi.org/10.1080/15309576.2019.1604386	http://dx.doi.org/10.1080/15309576.2019.1604386	ADJ
cjfa-33347	236	2	.	.	PUNCT
cjfa-33347	237	1	lin	lin	PROPN
cjfa-33347	237	2	,	,	PUNCT
cjfa-33347	237	3	m.	m.	NOUN
cjfa-33347	237	4	,	,	PUNCT
cjfa-33347	237	5	prabhala	prabhala	NOUN
cjfa-33347	237	6	,	,	PUNCT
cjfa-33347	237	7	n.r	n.r	PROPN
cjfa-33347	237	8	.	.	PROPN
cjfa-33347	237	9	,	,	PUNCT
cjfa-33347	237	10	&	&	CCONJ
cjfa-33347	237	11	viswanathan	viswanathan	PROPN
cjfa-33347	237	12	,	,	PUNCT
cjfa-33347	237	13	s.	s.	PROPN
cjfa-33347	237	14	(	(	PUNCT
cjfa-33347	237	15	2013	2013	NUM
cjfa-33347	237	16	)	)	PUNCT
cjfa-33347	237	17	.	.	PUNCT
cjfa-33347	238	1	judging	judge	VERB
cjfa-33347	238	2	borrowers	borrower	NOUN
cjfa-33347	238	3	by	by	ADP
cjfa-33347	238	4	the	the	DET
cjfa-33347	238	5	company	company	NOUN
cjfa-33347	238	6	they	they	PRON
cjfa-33347	238	7	keep	keep	VERB
cjfa-33347	238	8	:	:	PUNCT
cjfa-33347	238	9	friendship	friendship	NOUN
cjfa-33347	238	10	networks	network	NOUN
cjfa-33347	238	11	and	and	CCONJ
cjfa-33347	238	12	information	information	NOUN
cjfa-33347	238	13	asymmetry	asymmetry	NOUN
cjfa-33347	238	14	in	in	ADP
cjfa-33347	238	15	online	online	ADJ
cjfa-33347	238	16	peerto	peerto	NOUN
cjfa-33347	238	17	-	-	PUNCT
cjfa-33347	238	18	peer	peer	NOUN
cjfa-33347	238	19	lending	lending	NOUN
cjfa-33347	238	20	.	.	PUNCT
cjfa-33347	239	1	management	management	NOUN
cjfa-33347	239	2	science	science	NOUN
cjfa-33347	239	3	,	,	PUNCT
cjfa-33347	239	4	59(1	59(1	NUM
cjfa-33347	239	5	)	)	PUNCT
cjfa-33347	239	6	,	,	PUNCT
cjfa-33347	239	7	17	17	NUM
cjfa-33347	239	8	-	-	SYM
cjfa-33347	239	9	35	35	NUM
cjfa-33347	239	10	.	.	PUNCT
cjfa-33347	240	1	http://dx.doi.org/10.1287/	http://dx.doi.org/10.1287/	PROPN
cjfa-33347	240	2	mnsc.1120.1560	mnsc.1120.1560	PROPN
cjfa-33347	240	3	.	.	PUNCT
cjfa-33347	241	1	liu	liu	PROPN
cjfa-33347	241	2	,	,	PUNCT
cjfa-33347	241	3	d.	d.	PROPN
cjfa-33347	241	4	,	,	PUNCT
cjfa-33347	241	5	brass	brass	NOUN
cjfa-33347	241	6	,	,	PUNCT
cjfa-33347	241	7	d.	d.	PROPN
cjfa-33347	241	8	,	,	PUNCT
cjfa-33347	241	9	lu	lu	PROPN
cjfa-33347	241	10	,	,	PUNCT
cjfa-33347	241	11	y.	y.	PROPN
cjfa-33347	241	12	,	,	PUNCT
cjfa-33347	241	13	&	&	CCONJ
cjfa-33347	241	14	chen	chen	PROPN
cjfa-33347	241	15	,	,	PUNCT
cjfa-33347	241	16	d.	d.	PROPN
cjfa-33347	241	17	(	(	PUNCT
cjfa-33347	241	18	2015	2015	NUM
cjfa-33347	241	19	)	)	PUNCT
cjfa-33347	241	20	.	.	PUNCT
cjfa-33347	242	1	friendships	friendship	NOUN
cjfa-33347	242	2	in	in	ADP
cjfa-33347	242	3	online	online	ADJ
cjfa-33347	242	4	peer	peer	NOUN
cjfa-33347	242	5	-	-	PUNCT
cjfa-33347	242	6	to	to	ADP
cjfa-33347	242	7	-	-	PUNCT
cjfa-33347	242	8	peer	peer	NOUN
cjfa-33347	242	9	lending	lending	NOUN
cjfa-33347	242	10	:	:	PUNCT
cjfa-33347	242	11	pipes	pipe	NOUN
cjfa-33347	242	12	,	,	PUNCT
cjfa-33347	242	13	prisms	prism	NOUN
cjfa-33347	242	14	,	,	PUNCT
cjfa-33347	242	15	and	and	CCONJ
cjfa-33347	242	16	relational	relational	ADJ
cjfa-33347	242	17	herding	herding	NOUN
cjfa-33347	242	18	.	.	PUNCT
cjfa-33347	243	1	mis	mis	PROPN
cjfa-33347	243	2	quarterly	quarterly	PROPN
cjfa-33347	243	3	,	,	PUNCT
cjfa-33347	243	4	39(3	39(3	NUM
cjfa-33347	243	5	)	)	PUNCT
cjfa-33347	243	6	,	,	PUNCT
cjfa-33347	243	7	729	729	NUM
cjfa-33347	243	8	-	-	SYM
cjfa-33347	243	9	742	742	NUM
cjfa-33347	243	10	.	.	PUNCT
cjfa-33347	244	1	manda	manda	PROPN
cjfa-33347	244	2	,	,	PUNCT
cjfa-33347	244	3	v.k	v.k	PROPN
cjfa-33347	244	4	.	.	PROPN
cjfa-33347	244	5	,	,	PUNCT
cjfa-33347	244	6	&	&	CCONJ
cjfa-33347	244	7	yamijala	yamijala	PROPN
cjfa-33347	244	8	,	,	PUNCT
cjfa-33347	244	9	s.p	s.p	PROPN
cjfa-33347	244	10	.	.	PROPN
cjfa-33347	244	11	(	(	PUNCT
cjfa-33347	244	12	2019	2019	NUM
cjfa-33347	244	13	)	)	PUNCT
cjfa-33347	244	14	.	.	PUNCT
cjfa-33347	245	1	peer	peer	NOUN
cjfa-33347	245	2	-	-	PUNCT
cjfa-33347	245	3	to	to	ADP
cjfa-33347	245	4	-	-	PUNCT
cjfa-33347	245	5	peer	peer	NOUN
cjfa-33347	245	6	lending	lending	NOUN
cjfa-33347	245	7	using	use	VERB
cjfa-33347	245	8	blockchain	blockchain	PROPN
cjfa-33347	245	9	.	.	PUNCT
cjfa-33347	246	1	advance	advance	NOUN
cjfa-33347	246	2	and	and	CCONJ
cjfa-33347	246	3	innovative	innovative	ADJ
cjfa-33347	246	4	research	research	NOUN
cjfa-33347	246	5	,	,	PUNCT
cjfa-33347	246	6	6	6	NUM
cjfa-33347	246	7	,	,	PUNCT
cjfa-33347	246	8	61	61	NUM
cjfa-33347	246	9	-	-	SYM
cjfa-33347	246	10	66	66	NUM
cjfa-33347	246	11	.	.	PUNCT
cjfa-33347	247	1	milne	milne	PROPN
cjfa-33347	247	2	,	,	PUNCT
cjfa-33347	247	3	a.	a.	PROPN
cjfa-33347	247	4	,	,	PUNCT
cjfa-33347	247	5	&	&	CCONJ
cjfa-33347	247	6	parboteeah	parboteeah	PROPN
cjfa-33347	247	7	,	,	PUNCT
cjfa-33347	247	8	p.	p.	NOUN
cjfa-33347	247	9	(	(	PUNCT
cjfa-33347	247	10	2016	2016	NUM
cjfa-33347	247	11	)	)	PUNCT
cjfa-33347	247	12	.	.	PUNCT
cjfa-33347	248	1	the	the	DET
cjfa-33347	248	2	business	business	NOUN
cjfa-33347	248	3	models	model	NOUN
cjfa-33347	248	4	and	and	CCONJ
cjfa-33347	248	5	economics	economic	NOUN
cjfa-33347	248	6	of	of	ADP
cjfa-33347	248	7	peer	peer	NOUN
cjfa-33347	248	8	-	-	PUNCT
cjfa-33347	248	9	to	to	ADP
cjfa-33347	248	10	-	-	PUNCT
cjfa-33347	248	11	peer	peer	NOUN
cjfa-33347	248	12	lending	lending	NOUN
cjfa-33347	248	13	.	.	PUNCT
cjfa-33347	249	1	ecri	ecri	PROPN
cjfa-33347	249	2	research	research	PROPN
cjfa-33347	249	3	report	report	NOUN
cjfa-33347	249	4	,	,	PUNCT
cjfa-33347	249	5	17	17	NUM
cjfa-33347	249	6	,	,	PUNCT
cjfa-33347	249	7	1	1	NUM
cjfa-33347	249	8	-	-	SYM
cjfa-33347	249	9	36	36	NUM
cjfa-33347	249	10	.	.	PUNCT
cjfa-33347	250	1	mohammadi	mohammadi	NOUN
cjfa-33347	250	2	,	,	PUNCT
cjfa-33347	250	3	a.	a.	NOUN
cjfa-33347	250	4	,	,	PUNCT
cjfa-33347	250	5	&	&	CCONJ
cjfa-33347	250	6	broström	broström	PROPN
cjfa-33347	250	7	,	,	PUNCT
cjfa-33347	250	8	a.	a.	NOUN
cjfa-33347	250	9	(	(	PUNCT
cjfa-33347	250	10	2018	2018	NUM
cjfa-33347	250	11	)	)	PUNCT
cjfa-33347	250	12	.	.	PUNCT
cjfa-33347	251	1	distrust	distrust	NOUN
cjfa-33347	251	2	in	in	ADP
cjfa-33347	251	3	financial	financial	ADJ
cjfa-33347	251	4	institutions	institution	NOUN
cjfa-33347	251	5	and	and	CCONJ
cjfa-33347	251	6	fintech	fintech	NOUN
cjfa-33347	251	7	adoption	adoption	NOUN
cjfa-33347	251	8	:	:	PUNCT
cjfa-33347	251	9	the	the	DET
cjfa-33347	251	10	case	case	NOUN
cjfa-33347	251	11	of	of	ADP
cjfa-33347	251	12	p2p	p2p	NOUN
cjfa-33347	251	13	loans	loan	NOUN
cjfa-33347	251	14	.	.	PUNCT
cjfa-33347	252	1	paper	paper	NOUN
cjfa-33347	252	2	presented	present	VERB
cjfa-33347	252	3	at	at	ADP
cjfa-33347	252	4	druid18	druid18	NOUN
cjfa-33347	252	5	,	,	PUNCT
cjfa-33347	252	6	copenhagen	copenhagen	PROPN
cjfa-33347	252	7	business	business	PROPN
cjfa-33347	252	8	school	school	PROPN
cjfa-33347	252	9	,	,	PUNCT
cjfa-33347	252	10	copenhagen	copenhagen	PROPN
cjfa-33347	252	11	,	,	PUNCT
cjfa-33347	252	12	denmark	denmark	PROPN
cjfa-33347	252	13	,	,	PUNCT
cjfa-33347	252	14	june	june	PROPN
cjfa-33347	252	15	11	11	NUM
cjfa-33347	252	16	-	-	SYM
cjfa-33347	252	17	13	13	NUM
cjfa-33347	252	18	,	,	PUNCT
cjfa-33347	252	19	2018	2018	NUM
cjfa-33347	252	20	,	,	PUNCT
cjfa-33347	252	21	http://conference.druid.dk/	http://conference.druid.dk/	NOUN
cjfa-33347	252	22	acc_papers	acc_paper	NOUN
cjfa-33347	252	23	/	/	SYM
cjfa-33347	252	24	ixxsns2rjntpw9cwmz1qkcimxlf26i.pdf	ixxsns2rjntpw9cwmz1qkcimxlf26i.pdf	NOUN
cjfa-33347	252	25	.	.	PUNCT
cjfa-33347	253	1	paravisini	paravisini	PROPN
cjfa-33347	253	2	,	,	PUNCT
cjfa-33347	253	3	d.	d.	PROPN
cjfa-33347	253	4	,	,	PUNCT
cjfa-33347	253	5	rappoport	rappoport	NOUN
cjfa-33347	253	6	,	,	PUNCT
cjfa-33347	253	7	v.	v.	PROPN
cjfa-33347	253	8	,	,	PUNCT
cjfa-33347	253	9	&	&	CCONJ
cjfa-33347	253	10	ravina	ravina	PROPN
cjfa-33347	253	11	,	,	PUNCT
cjfa-33347	253	12	e.	e.	PROPN
cjfa-33347	253	13	(	(	PUNCT
cjfa-33347	253	14	2017	2017	NUM
cjfa-33347	253	15	)	)	PUNCT
cjfa-33347	253	16	.	.	PUNCT
cjfa-33347	254	1	risk	risk	NOUN
cjfa-33347	254	2	aversion	aversion	NOUN
cjfa-33347	254	3	and	and	CCONJ
cjfa-33347	254	4	wealth	wealth	NOUN
cjfa-33347	254	5	:	:	PUNCT
cjfa-33347	254	6	evidence	evidence	NOUN
cjfa-33347	254	7	from	from	ADP
cjfa-33347	254	8	person	person	NOUN
cjfa-33347	254	9	-	-	PUNCT
cjfa-33347	254	10	to	to	ADP
cjfa-33347	254	11	-	-	PUNCT
cjfa-33347	254	12	person	person	NOUN
cjfa-33347	254	13	lending	lending	NOUN
cjfa-33347	254	14	portfolios	portfolio	NOUN
cjfa-33347	254	15	.	.	PUNCT
cjfa-33347	255	1	management	management	NOUN
cjfa-33347	255	2	science	science	NOUN
cjfa-33347	255	3	,	,	PUNCT
cjfa-33347	255	4	63(2	63(2	NUM
cjfa-33347	255	5	)	)	PUNCT
cjfa-33347	255	6	,	,	PUNCT
cjfa-33347	255	7	279	279	NUM
cjfa-33347	255	8	-	-	SYM
cjfa-33347	255	9	297	297	NUM
cjfa-33347	255	10	.	.	PUNCT
cjfa-33347	256	1	saeidi	saeidi	PROPN
cjfa-33347	256	2	,	,	PUNCT
cjfa-33347	256	3	s.	s.	PROPN
cjfa-33347	256	4	(	(	PUNCT
cjfa-33347	256	5	2020	2020	NUM
cjfa-33347	256	6	)	)	PUNCT
cjfa-33347	256	7	.	.	PUNCT
cjfa-33347	257	1	a	a	DET
cjfa-33347	257	2	new	new	ADJ
cjfa-33347	257	3	model	model	NOUN
cjfa-33347	257	4	for	for	ADP
cjfa-33347	257	5	calculating	calculate	VERB
cjfa-33347	257	6	the	the	DET
cjfa-33347	257	7	maximum	maximum	ADJ
cjfa-33347	257	8	trust	trust	NOUN
cjfa-33347	257	9	in	in	ADP
cjfa-33347	257	10	online	online	ADJ
cjfa-33347	257	11	social	social	ADJ
cjfa-33347	257	12	networks	network	NOUN
cjfa-33347	257	13	and	and	CCONJ
cjfa-33347	257	14	solving	solving	NOUN
cjfa-33347	257	15	by	by	ADP
cjfa-33347	257	16	the	the	DET
cjfa-33347	257	17	artificial	artificial	ADJ
cjfa-33347	257	18	bee	bee	NOUN
cjfa-33347	257	19	colony	colony	NOUN
cjfa-33347	257	20	algorithm	algorithm	NOUN
cjfa-33347	257	21	.	.	PUNCT
cjfa-33347	258	1	computational	computational	ADJ
cjfa-33347	258	2	social	social	ADJ
cjfa-33347	258	3	networks	network	NOUN
cjfa-33347	258	4	,	,	PUNCT
cjfa-33347	258	5	7(3	7(3	NUM
cjfa-33347	258	6	)	)	PUNCT
cjfa-33347	258	7	,	,	PUNCT
cjfa-33347	258	8	1	1	NUM
cjfa-33347	258	9	-	-	SYM
cjfa-33347	258	10	21	21	NUM
cjfa-33347	258	11	.	.	PUNCT
cjfa-33347	259	1	http://dx.doi.org/10.1186/s40649-020-00077-6	http://dx.doi.org/10.1186/s40649-020-00077-6	AUX
cjfa-33347	259	2	.	.	PUNCT
cjfa-33347	260	1	schroeder	schroeder	PROPN
cjfa-33347	260	2	,	,	PUNCT
cjfa-33347	260	3	e.	e.	PROPN
cjfa-33347	260	4	(	(	PUNCT
cjfa-33347	260	5	2020	2020	NUM
cjfa-33347	260	6	)	)	PUNCT
cjfa-33347	260	7	.	.	PUNCT
cjfa-33347	261	1	the	the	DET
cjfa-33347	261	2	impact	impact	NOUN
cjfa-33347	261	3	of	of	ADP
cjfa-33347	261	4	microcredit	microcredit	NOUN
cjfa-33347	261	5	borrowing	borrowing	NOUN
cjfa-33347	261	6	on	on	ADP
cjfa-33347	261	7	household	household	NOUN
cjfa-33347	261	8	consumption	consumption	NOUN
cjfa-33347	261	9	in	in	ADP
cjfa-33347	261	10	bangladesh	bangladesh	PROPN
cjfa-33347	261	11	.	.	PUNCT
cjfa-33347	262	1	applied	apply	VERB
cjfa-33347	262	2	economics	economic	NOUN
cjfa-33347	262	3	,	,	PUNCT
cjfa-33347	262	4	52(43	52(43	NUM
cjfa-33347	262	5	)	)	PUNCT
cjfa-33347	262	6	,	,	PUNCT
cjfa-33347	262	7	4765	4765	NUM
cjfa-33347	262	8	-	-	SYM
cjfa-33347	262	9	4779	4779	NUM
cjfa-33347	262	10	.	.	PUNCT
cjfa-33347	263	1	http://dx.doi.org/10.1080/00	http://dx.doi.org/10.1080/00	PROPN
cjfa-33347	263	2	036846.2020.1743815	036846.2020.1743815	PROPN
cjfa-33347	263	3	.	.	PUNCT
cjfa-33347	264	1	determination	determination	NOUN
cjfa-33347	264	2	of	of	ADP
cjfa-33347	264	3	the	the	DET
cjfa-33347	264	4	benefits	benefit	NOUN
cjfa-33347	264	5	and	and	CCONJ
cjfa-33347	264	6	risks	risk	NOUN
cjfa-33347	264	7	of	of	ADP
cjfa-33347	264	8	peer	peer	NOUN
cjfa-33347	264	9	-	-	PUNCT
cjfa-33347	264	10	to	to	ADP
cjfa-33347	264	11	-	-	PUNCT
cjfa-33347	264	12	peer	peer	NOUN
cjfa-33347	264	13	…	…	PUNCT
cjfa-33347	264	14	143	143	NUM
cjfa-33347	264	15	šetlers	šetler	NOUN
cjfa-33347	264	16	,	,	PUNCT
cjfa-33347	264	17	g.	g.	PROPN
cjfa-33347	264	18	,	,	PUNCT
cjfa-33347	264	19	&	&	CCONJ
cjfa-33347	264	20	valdmanis	valdmanis	PROPN
cjfa-33347	264	21	,	,	PUNCT
cjfa-33347	264	22	j.	j.	PROPN
cjfa-33347	264	23	(	(	PUNCT
cjfa-33347	264	24	2016	2016	NUM
cjfa-33347	264	25	)	)	PUNCT
cjfa-33347	264	26	.	.	PUNCT
cjfa-33347	265	1	crowdlending	crowdlende	VERB
cjfa-33347	265	2	:	:	PUNCT
cjfa-33347	265	3	factors	factor	NOUN
cjfa-33347	265	4	driving	drive	VERB
cjfa-33347	265	5	investors	investor	NOUN
cjfa-33347	265	6	’	'	PUNCT
cjfa-33347	265	7	decisionmaking	decisionmake	VERB
cjfa-33347	265	8	in	in	ADP
cjfa-33347	265	9	latvia	latvia	PROPN
cjfa-33347	265	10	.	.	PUNCT
cjfa-33347	266	1	sse	sse	PROPN
cjfa-33347	266	2	riga	riga	PROPN
cjfa-33347	266	3	student	student	NOUN
cjfa-33347	266	4	research	research	NOUN
cjfa-33347	266	5	papers	paper	NOUN
cjfa-33347	266	6	,	,	PUNCT
cjfa-33347	266	7	1(177	1(177	NUM
cjfa-33347	266	8	)	)	PUNCT
cjfa-33347	266	9	,	,	PUNCT
cjfa-33347	266	10	1	1	NUM
cjfa-33347	266	11	-	-	SYM
cjfa-33347	266	12	49	49	NUM
cjfa-33347	266	13	.	.	PUNCT
cjfa-33347	267	1	sukmaningsih	sukmaningsih	PROPN
cjfa-33347	267	2	,	,	PUNCT
cjfa-33347	267	3	d.w	d.w	PROPN
cjfa-33347	267	4	.	.	PUNCT
cjfa-33347	267	5	(	(	PUNCT
cjfa-33347	267	6	2018	2018	NUM
cjfa-33347	267	7	)	)	PUNCT
cjfa-33347	267	8	.	.	PUNCT
cjfa-33347	268	1	a	a	DET
cjfa-33347	268	2	model	model	NOUN
cjfa-33347	268	3	for	for	ADP
cjfa-33347	268	4	lender	lender	NOUN
cjfa-33347	268	5	-	-	PUNCT
cjfa-33347	268	6	borrower	borrower	NOUN
cjfa-33347	268	7	trust	trust	NOUN
cjfa-33347	268	8	in	in	ADP
cjfa-33347	268	9	peer	peer	NOUN
cjfa-33347	268	10	-	-	PUNCT
cjfa-33347	268	11	to	to	ADP
cjfa-33347	268	12	-	-	PUNCT
cjfa-33347	268	13	peer	peer	NOUN
cjfa-33347	268	14	lending	lending	NOUN
cjfa-33347	268	15	.	.	PUNCT
cjfa-33347	269	1	comtech	comtech	PROPN
cjfa-33347	269	2	:	:	PUNCT
cjfa-33347	269	3	computer	computer	NOUN
cjfa-33347	269	4	,	,	PUNCT
cjfa-33347	269	5	mathematics	mathematics	PROPN
cjfa-33347	269	6	and	and	CCONJ
cjfa-33347	269	7	engineering	engineering	NOUN
cjfa-33347	269	8	applications	application	NOUN
cjfa-33347	269	9	,	,	PUNCT
cjfa-33347	269	10	9(1	9(1	NUM
cjfa-33347	269	11	)	)	PUNCT
cjfa-33347	269	12	,	,	PUNCT
cjfa-33347	269	13	15	15	NUM
cjfa-33347	269	14	-	-	SYM
cjfa-33347	269	15	24	24	NUM
cjfa-33347	269	16	.	.	PUNCT
cjfa-33347	270	1	http://	http://	PROPN
cjfa-33347	270	2	dx.doi.org/10.21512/comtech.v9i1.4287	dx.doi.org/10.21512/comtech.v9i1.4287	PROPN
cjfa-33347	270	3	.	.	PUNCT
cjfa-33347	271	1	suryono	suryono	PROPN
cjfa-33347	271	2	,	,	PUNCT
cjfa-33347	271	3	r.r	r.r	PROPN
cjfa-33347	271	4	.	.	PROPN
cjfa-33347	271	5	,	,	PUNCT
cjfa-33347	271	6	purwandari	purwandari	NOUN
cjfa-33347	271	7	,	,	PUNCT
cjfa-33347	271	8	b.	b.	PROPN
cjfa-33347	271	9	,	,	PUNCT
cjfa-33347	271	10	&	&	CCONJ
cjfa-33347	271	11	budi	budi	PROPN
cjfa-33347	271	12	,	,	PUNCT
cjfa-33347	271	13	i.	i.	PROPN
cjfa-33347	271	14	(	(	PUNCT
cjfa-33347	271	15	2019	2019	NUM
cjfa-33347	271	16	)	)	PUNCT
cjfa-33347	271	17	.	.	PUNCT
cjfa-33347	272	1	peer	peer	NOUN
cjfa-33347	272	2	to	to	ADP
cjfa-33347	272	3	peer	peer	NOUN
cjfa-33347	272	4	(	(	PUNCT
cjfa-33347	272	5	p2p	p2p	NOUN
cjfa-33347	272	6	)	)	PUNCT
cjfa-33347	272	7	lending	lending	NOUN
cjfa-33347	272	8	problems	problem	NOUN
cjfa-33347	272	9	and	and	CCONJ
cjfa-33347	272	10	potential	potential	ADJ
cjfa-33347	272	11	solutions	solution	NOUN
cjfa-33347	272	12	:	:	PUNCT
cjfa-33347	272	13	a	a	DET
cjfa-33347	272	14	systematic	systematic	ADJ
cjfa-33347	272	15	literature	literature	NOUN
cjfa-33347	272	16	review	review	NOUN
cjfa-33347	272	17	.	.	PUNCT
cjfa-33347	273	1	procedia	procedia	PROPN
cjfa-33347	273	2	computer	computer	NOUN
cjfa-33347	273	3	science	science	NOUN
cjfa-33347	273	4	,	,	PUNCT
cjfa-33347	273	5	161	161	NUM
cjfa-33347	273	6	,	,	PUNCT
cjfa-33347	273	7	204	204	NUM
cjfa-33347	273	8	-	-	SYM
cjfa-33347	273	9	214	214	NUM
cjfa-33347	273	10	.	.	PUNCT
cjfa-33347	274	1	http://dx.doi.org/10.1016/j.procs.2019.11.116	http://dx.doi.org/10.1016/j.procs.2019.11.116	PROPN
cjfa-33347	274	2	.	.	PUNCT
cjfa-33347	275	1	uddin	uddin	PROPN
cjfa-33347	275	2	,	,	PUNCT
cjfa-33347	275	3	m.j	m.j	PROPN
cjfa-33347	275	4	.	.	PROPN
cjfa-33347	275	5	,	,	PUNCT
cjfa-33347	275	6	vizzari	vizzari	PROPN
cjfa-33347	275	7	,	,	PUNCT
cjfa-33347	275	8	g.	g.	PROPN
cjfa-33347	275	9	,	,	PUNCT
cjfa-33347	275	10	bandini	bandini	PROPN
cjfa-33347	275	11	,	,	PUNCT
cjfa-33347	275	12	s.	s.	PROPN
cjfa-33347	275	13	,	,	PUNCT
cjfa-33347	275	14	&	&	CCONJ
cjfa-33347	275	15	imam	imam	PROPN
cjfa-33347	275	16	,	,	PUNCT
cjfa-33347	275	17	m.o	m.o	PROPN
cjfa-33347	275	18	.	.	PROPN
cjfa-33347	275	19	(	(	PUNCT
cjfa-33347	275	20	2018	2018	NUM
cjfa-33347	275	21	)	)	PUNCT
cjfa-33347	275	22	.	.	PUNCT
cjfa-33347	276	1	a	a	DET
cjfa-33347	276	2	case	case	NOUN
cjfa-33347	276	3	-	-	PUNCT
cjfa-33347	276	4	based	base	VERB
cjfa-33347	276	5	reasoning	reasoning	NOUN
cjfa-33347	276	6	approach	approach	NOUN
cjfa-33347	276	7	to	to	AUX
cjfa-33347	276	8	rate	rate	VERB
cjfa-33347	276	9	microcredit	microcredit	NOUN
cjfa-33347	276	10	borrower	borrower	NOUN
cjfa-33347	276	11	risk	risk	NOUN
cjfa-33347	276	12	in	in	ADP
cjfa-33347	276	13	online	online	PROPN
cjfa-33347	276	14	kiva	kiva	PROPN
cjfa-33347	276	15	p2p	p2p	PROPN
cjfa-33347	276	16	lending	lending	NOUN
cjfa-33347	276	17	model	model	NOUN
cjfa-33347	276	18	.	.	PUNCT
cjfa-33347	277	1	data	datum	NOUN
cjfa-33347	277	2	technologies	technology	NOUN
cjfa-33347	277	3	and	and	CCONJ
cjfa-33347	277	4	applications	application	NOUN
cjfa-33347	277	5	,	,	PUNCT
cjfa-33347	277	6	52(1	52(1	NOUN
cjfa-33347	277	7	)	)	PUNCT
cjfa-33347	277	8	,	,	PUNCT
cjfa-33347	277	9	58	58	NUM
cjfa-33347	277	10	-	-	SYM
cjfa-33347	277	11	83	83	NUM
cjfa-33347	277	12	.	.	PUNCT
cjfa-33347	278	1	http://dx.doi.org/10.1108/dta-022017-0009	http://dx.doi.org/10.1108/dta-022017-0009	X
cjfa-33347	278	2	.	.	PUNCT
cjfa-33347	279	1	urban	urban	PROPN
cjfa-33347	279	2	,	,	PUNCT
cjfa-33347	279	3	g.	g.	PROPN
cjfa-33347	279	4	l.	l.	PROPN
cjfa-33347	279	5	,	,	PUNCT
cjfa-33347	279	6	amyx	amyx	PROPN
cjfa-33347	279	7	,	,	PUNCT
cjfa-33347	279	8	c.	c.	PROPN
cjfa-33347	279	9	,	,	PUNCT
cjfa-33347	279	10	&	&	CCONJ
cjfa-33347	279	11	lorenzon	lorenzon	PROPN
cjfa-33347	279	12	,	,	PUNCT
cjfa-33347	279	13	a.	a.	NOUN
cjfa-33347	279	14	(	(	PUNCT
cjfa-33347	279	15	2009	2009	NUM
cjfa-33347	279	16	)	)	PUNCT
cjfa-33347	279	17	.	.	PUNCT
cjfa-33347	280	1	online	online	PROPN
cjfa-33347	280	2	trust	trust	PROPN
cjfa-33347	280	3	:	:	PUNCT
cjfa-33347	280	4	state	state	NOUN
cjfa-33347	280	5	of	of	ADP
cjfa-33347	280	6	the	the	DET
cjfa-33347	280	7	art	art	NOUN
cjfa-33347	280	8	,	,	PUNCT
cjfa-33347	280	9	new	new	ADJ
cjfa-33347	280	10	frontiers	frontier	NOUN
cjfa-33347	280	11	,	,	PUNCT
cjfa-33347	280	12	and	and	CCONJ
cjfa-33347	280	13	research	research	NOUN
cjfa-33347	280	14	potential	potential	NOUN
cjfa-33347	280	15	.	.	PUNCT
cjfa-33347	281	1	journal	journal	NOUN
cjfa-33347	281	2	of	of	ADP
cjfa-33347	281	3	interactive	interactive	ADJ
cjfa-33347	281	4	marketing	marketing	NOUN
cjfa-33347	281	5	,	,	PUNCT
cjfa-33347	281	6	23(2	23(2	NOUN
cjfa-33347	281	7	)	)	PUNCT
cjfa-33347	281	8	,	,	PUNCT
cjfa-33347	281	9	179	179	NUM
cjfa-33347	281	10	-	-	SYM
cjfa-33347	281	11	190	190	NUM
cjfa-33347	281	12	.	.	PUNCT
cjfa-33347	282	1	http://	http://	PROPN
cjfa-33347	282	2	dx.doi.org/10.1016/j.intmar.2009.03.001	dx.doi.org/10.1016/j.intmar.2009.03.001	PROPN
cjfa-33347	282	3	.	.	PUNCT
cjfa-33347	283	1	urena	urena	PROPN
cjfa-33347	283	2	,	,	PUNCT
cjfa-33347	283	3	r.	r.	PROPN
cjfa-33347	283	4	,	,	PUNCT
cjfa-33347	283	5	kou	kou	PROPN
cjfa-33347	283	6	,	,	PUNCT
cjfa-33347	283	7	g.	g.	PROPN
cjfa-33347	283	8	,	,	PUNCT
cjfa-33347	283	9	dong	dong	PROPN
cjfa-33347	283	10	,	,	PUNCT
cjfa-33347	283	11	y.	y.	PROPN
cjfa-33347	283	12	,	,	PUNCT
cjfa-33347	283	13	chiclana	chiclana	PROPN
cjfa-33347	283	14	,	,	PUNCT
cjfa-33347	283	15	f.	f.	PROPN
cjfa-33347	283	16	,	,	PUNCT
cjfa-33347	283	17	&	&	CCONJ
cjfa-33347	283	18	herrera	herrera	NOUN
cjfa-33347	283	19	-	-	PUNCT
cjfa-33347	283	20	viedma	viedma	NOUN
cjfa-33347	283	21	,	,	PUNCT
cjfa-33347	283	22	e.	e.	PROPN
cjfa-33347	283	23	(	(	PUNCT
cjfa-33347	283	24	2019	2019	NUM
cjfa-33347	283	25	)	)	PUNCT
cjfa-33347	283	26	.	.	PUNCT
cjfa-33347	284	1	a	a	DET
cjfa-33347	284	2	review	review	NOUN
cjfa-33347	284	3	on	on	ADP
cjfa-33347	284	4	trust	trust	NOUN
cjfa-33347	284	5	propagation	propagation	NOUN
cjfa-33347	284	6	and	and	CCONJ
cjfa-33347	284	7	opinion	opinion	NOUN
cjfa-33347	284	8	dynamics	dynamic	NOUN
cjfa-33347	284	9	in	in	ADP
cjfa-33347	284	10	social	social	ADJ
cjfa-33347	284	11	networks	network	NOUN
cjfa-33347	284	12	and	and	CCONJ
cjfa-33347	284	13	group	group	NOUN
cjfa-33347	284	14	decision	decision	NOUN
cjfa-33347	284	15	-	-	PUNCT
cjfa-33347	284	16	making	make	VERB
cjfa-33347	284	17	frameworks	framework	NOUN
cjfa-33347	284	18	.	.	PUNCT
cjfa-33347	285	1	information	information	NOUN
cjfa-33347	285	2	sciences	sciences	PROPN
cjfa-33347	285	3	,	,	PUNCT
cjfa-33347	285	4	478	478	NUM
cjfa-33347	285	5	,	,	PUNCT
cjfa-33347	285	6	461	461	NUM
cjfa-33347	285	7	-	-	SYM
cjfa-33347	285	8	475	475	NUM
cjfa-33347	285	9	.	.	PUNCT
cjfa-33347	286	1	http://dx.doi.org/10.1016/j	http://dx.doi.org/10.1016/j	PROPN
cjfa-33347	286	2	.	.	PUNCT
cjfa-33347	286	3	ins.2018.11.037	ins.2018.11.037	NOUN
cjfa-33347	286	4	.	.	PUNCT
cjfa-33347	287	1	viriyarungsarit	viriyarungsarit	PROPN
cjfa-33347	287	2	,	,	PUNCT
cjfa-33347	287	3	s.	s.	PROPN
cjfa-33347	287	4	(	(	PUNCT
cjfa-33347	287	5	2017	2017	NUM
cjfa-33347	287	6	)	)	PUNCT
cjfa-33347	287	7	.	.	PUNCT
cjfa-33347	288	1	bank	bank	NOUN
cjfa-33347	288	2	of	of	ADP
cjfa-33347	288	3	the	the	DET
cjfa-33347	288	4	year	year	NOUN
cjfa-33347	288	5	2017	2017	NUM
cjfa-33347	288	6	.	.	PUNCT
cjfa-33347	289	1	money	money	NOUN
cjfa-33347	289	2	and	and	CCONJ
cjfa-33347	289	3	banking	banking	NOUN
cjfa-33347	289	4	magazine	magazine	NOUN
cjfa-33347	289	5	,	,	PUNCT
cjfa-33347	289	6	35	35	NUM
cjfa-33347	289	7	,	,	PUNCT
cjfa-33347	289	8	24-	24-	NUM
cjfa-33347	289	9	 	 	SPACE
cjfa-33347	289	10	28	28	NUM
cjfa-33347	289	11	.	.	PUNCT
cjfa-33347	290	1	wei	wei	PROPN
cjfa-33347	290	2	,	,	PUNCT
cjfa-33347	290	3	z.	z.	PROPN
cjfa-33347	290	4	,	,	PUNCT
cjfa-33347	290	5	&	&	CCONJ
cjfa-33347	290	6	lin	lin	PROPN
cjfa-33347	290	7	,	,	PUNCT
cjfa-33347	290	8	m.	m.	NOUN
cjfa-33347	290	9	(	(	PUNCT
cjfa-33347	290	10	2016	2016	NUM
cjfa-33347	290	11	)	)	PUNCT
cjfa-33347	290	12	.	.	PUNCT
cjfa-33347	291	1	market	market	NOUN
cjfa-33347	291	2	mechanisms	mechanism	NOUN
cjfa-33347	291	3	in	in	ADP
cjfa-33347	291	4	online	online	ADJ
cjfa-33347	291	5	peer	peer	NOUN
cjfa-33347	291	6	-	-	PUNCT
cjfa-33347	291	7	to	to	ADP
cjfa-33347	291	8	-	-	PUNCT
cjfa-33347	291	9	peer	peer	NOUN
cjfa-33347	291	10	lending	lending	NOUN
cjfa-33347	291	11	.	.	PUNCT
cjfa-33347	292	1	management	management	NOUN
cjfa-33347	292	2	science	science	NOUN
cjfa-33347	292	3	,	,	PUNCT
cjfa-33347	292	4	63(12	63(12	NOUN
cjfa-33347	292	5	)	)	PUNCT
cjfa-33347	292	6	,	,	PUNCT
cjfa-33347	292	7	4236	4236	NUM
cjfa-33347	292	8	-	-	SYM
cjfa-33347	292	9	4257	4257	NUM
cjfa-33347	292	10	.	.	PUNCT
cjfa-33347	293	1	http://dx.doi.org/10.1287/mnsc.2016.2531	http://dx.doi.org/10.1287/mnsc.2016.2531	PROPN
cjfa-33347	293	2	.	.	PUNCT
cjfa-33347	294	1	zhao	zhao	PROPN
cjfa-33347	294	2	,	,	PUNCT
cjfa-33347	294	3	h.	h.	PROPN
cjfa-33347	294	4	,	,	PUNCT
cjfa-33347	294	5	ge	ge	PROPN
cjfa-33347	294	6	,	,	PUNCT
cjfa-33347	294	7	y.	y.	PROPN
cjfa-33347	294	8	,	,	PUNCT
cjfa-33347	294	9	liu	liu	PROPN
cjfa-33347	294	10	,	,	PUNCT
cjfa-33347	294	11	q.	q.	PROPN
cjfa-33347	294	12	,	,	PUNCT
cjfa-33347	294	13	wang	wang	PROPN
cjfa-33347	294	14	,	,	PUNCT
cjfa-33347	294	15	g.	g.	PROPN
cjfa-33347	294	16	,	,	PUNCT
cjfa-33347	294	17	chen	chen	PROPN
cjfa-33347	294	18	,	,	PUNCT
cjfa-33347	294	19	e.	e.	PROPN
cjfa-33347	294	20	,	,	PUNCT
cjfa-33347	294	21	&	&	CCONJ
cjfa-33347	294	22	zhang	zhang	PROPN
cjfa-33347	294	23	,	,	PUNCT
cjfa-33347	294	24	h.	h.	PROPN
cjfa-33347	294	25	(	(	PUNCT
cjfa-33347	294	26	2017	2017	NUM
cjfa-33347	294	27	)	)	PUNCT
cjfa-33347	294	28	.	.	PUNCT
cjfa-33347	295	1	p2p	p2p	NOUN
cjfa-33347	295	2	lending	lending	NOUN
cjfa-33347	295	3	survey	survey	NOUN
cjfa-33347	295	4	:	:	PUNCT
cjfa-33347	295	5	platforms	platform	NOUN
cjfa-33347	295	6	,	,	PUNCT
cjfa-33347	295	7	recent	recent	ADJ
cjfa-33347	295	8	advances	advance	NOUN
cjfa-33347	295	9	,	,	PUNCT
cjfa-33347	295	10	and	and	CCONJ
cjfa-33347	295	11	prospects	prospect	NOUN
cjfa-33347	295	12	.	.	PUNCT
cjfa-33347	296	1	acm	acm	NOUN
cjfa-33347	296	2	transactions	transaction	NOUN
cjfa-33347	296	3	on	on	ADP
cjfa-33347	296	4	intelligent	intelligent	ADJ
cjfa-33347	296	5	systems	system	NOUN
cjfa-33347	296	6	and	and	CCONJ
cjfa-33347	296	7	technology	technology	NOUN
cjfa-33347	296	8	(	(	PUNCT
cjfa-33347	296	9	tist	tist	NOUN
cjfa-33347	296	10	)	)	PUNCT
cjfa-33347	296	11	,	,	PUNCT
cjfa-33347	296	12	8(6	8(6	NUM
cjfa-33347	296	13	)	)	PUNCT
cjfa-33347	296	14	,	,	PUNCT
cjfa-33347	296	15	1	1	NUM
cjfa-33347	296	16	-	-	SYM
cjfa-33347	296	17	28	28	NUM
cjfa-33347	296	18	.	.	PUNCT
cjfa-33347	297	1	http://dx.doi.org/10.1145/3078848	http://dx.doi.org/10.1145/3078848	NOUN
cjfa-33347	297	2	.	.	PUNCT