id	sid	tid	token	lemma	pos
easat-3190	1	1	edelweiss	edelweiss	PROPN
easat-3190	1	2	applied	apply	VERB
easat-3190	1	3	science	science	NOUN
easat-3190	1	4	and	and	CCONJ
easat-3190	1	5	technology	technology	NOUN
easat-3190	1	6	issn	issn	PROPN
easat-3190	1	7	:	:	PUNCT
easat-3190	1	8	2576	2576	NUM
easat-3190	1	9	-	-	SYM
easat-3190	1	10	8484	8484	NUM
easat-3190	1	11	vol	vol	NOUN
easat-3190	1	12	.	.	PROPN
easat-3190	1	13	8	8	NUM
easat-3190	1	14	,	,	PUNCT
easat-3190	1	15	no	no	INTJ
easat-3190	1	16	.	.	NOUN
easat-3190	1	17	6	6	NUM
easat-3190	1	18	,	,	PUNCT
easat-3190	1	19	5336	5336	NUM
easat-3190	1	20	-	-	SYM
easat-3190	1	21	5348	5348	NUM
easat-3190	1	22	2024	2024	NUM
easat-3190	1	23	publisher	publisher	NOUN
easat-3190	1	24	:	:	PUNCT
easat-3190	1	25	learning	learn	VERB
easat-3190	1	26	gate	gate	NOUN
easat-3190	1	27	doi	doi	PROPN
easat-3190	1	28	:	:	PUNCT
easat-3190	1	29	10.55214/25768484.v8i6.3190	10.55214/25768484.v8i6.3190	NUM
easat-3190	1	30	©	©	ADP
easat-3190	1	31	2024	2024	NUM
easat-3190	1	32	by	by	ADP
easat-3190	1	33	the	the	DET
easat-3190	1	34	authors	author	NOUN
easat-3190	1	35	;	;	PUNCT
easat-3190	1	36	licensee	licensee	PROPN
easat-3190	1	37	learning	learning	NOUN
easat-3190	1	38	gate	gate	NOUN
easat-3190	1	39	©	©	PROPN
easat-3190	1	40	2024	2024	NUM
easat-3190	1	41	by	by	ADP
easat-3190	1	42	the	the	DET
easat-3190	1	43	authors	author	NOUN
easat-3190	1	44	;	;	PUNCT
easat-3190	1	45	licensee	licensee	PROPN
easat-3190	1	46	learning	learn	VERB
easat-3190	1	47	gate	gate	NOUN
easat-3190	1	48	*	*	PUNCT
easat-3190	1	49	correspondence	correspondence	NOUN
easat-3190	1	50	:	:	PUNCT
easat-3190	1	51	kusumawatirita@umy.ac.id	kusumawatirita@umy.ac.id	PROPN
easat-3190	1	52	peer	peer	NOUN
easat-3190	1	53	-	-	PUNCT
easat-3190	1	54	to	to	ADP
easat-3190	1	55	-	-	PUNCT
easat-3190	1	56	peer	peer	NOUN
easat-3190	1	57	lending	lending	NOUN
easat-3190	1	58	:	:	PUNCT
easat-3190	1	59	an	an	DET
easat-3190	1	60	analytical	analytical	ADJ
easat-3190	1	61	review	review	NOUN
easat-3190	1	62	of	of	ADP
easat-3190	1	63	research	research	NOUN
easat-3190	1	64	trends	trend	NOUN
easat-3190	1	65	and	and	CCONJ
easat-3190	1	66	future	future	ADJ
easat-3190	1	67	prospects	prospect	NOUN
easat-3190	1	68	rita	rita	PROPN
easat-3190	1	69	kusumawati1	kusumawati1	PROPN
easat-3190	1	70	*	*	PROPN
easat-3190	1	71	,	,	PUNCT
easat-3190	1	72	mamduh	mamduh	PROPN
easat-3190	1	73	m	m	PROPN
easat-3190	1	74	hanafi2	hanafi2	PROPN
easat-3190	1	75	,	,	PUNCT
easat-3190	1	76	arni	arni	PROPN
easat-3190	1	77	surwanti3	surwanti3	PROPN
easat-3190	1	78	,	,	PUNCT
easat-3190	1	79	alni	alni	ADJ
easat-3190	1	80	rahmawati4	rahmawati4	PROPN
easat-3190	1	81	1,3,4universitas	1,3,4universitas	NUM
easat-3190	1	82	muhammadiyah	muhammadiyah	ADP
easat-3190	1	83	yogyakarta	yogyakarta	PROPN
easat-3190	1	84	,	,	PUNCT
easat-3190	1	85	yogyakarta	yogyakarta	PROPN
easat-3190	1	86	,	,	PUNCT
easat-3190	1	87	indonesia	indonesia	PROPN
easat-3190	1	88	;	;	PUNCT
easat-3190	1	89	kusumawatirita@umy.ac.id	kusumawatirita@umy.ac.id	PROPN
easat-3190	1	90	(	(	PUNCT
easat-3190	1	91	r.k	r.k	PROPN
easat-3190	1	92	.	.	PROPN
easat-3190	1	93	)	)	PUNCT
easat-3190	2	1	2universitas	2universitas	NUM
easat-3190	2	2	gadjah	gadjah	NOUN
easat-3190	2	3	mada	mada	PROPN
easat-3190	2	4	,	,	PUNCT
easat-3190	2	5	yogyakarta	yogyakarta	PROPN
easat-3190	2	6	,	,	PUNCT
easat-3190	2	7	indonesia	indonesia	PROPN
easat-3190	2	8	.	.	PUNCT
easat-3190	3	1	abstract	abstract	PROPN
easat-3190	3	2	:	:	PUNCT
easat-3190	3	3	this	this	DET
easat-3190	3	4	study	study	NOUN
easat-3190	3	5	aims	aim	VERB
easat-3190	3	6	to	to	PART
easat-3190	3	7	identify	identify	VERB
easat-3190	3	8	peer	peer	NOUN
easat-3190	3	9	-	-	PUNCT
easat-3190	3	10	to	to	ADP
easat-3190	3	11	-	-	PUNCT
easat-3190	3	12	peer	peer	NOUN
easat-3190	3	13	lending	lending	NOUN
easat-3190	3	14	research	research	NOUN
easat-3190	3	15	trends	trend	NOUN
easat-3190	3	16	in	in	ADP
easat-3190	3	17	the	the	DET
easat-3190	3	18	scopus	scopus	PROPN
easat-3190	3	19	database	database	NOUN
easat-3190	3	20	from	from	ADP
easat-3190	3	21	2017	2017	NUM
easat-3190	3	22	to	to	ADP
easat-3190	3	23	2023	2023	NUM
easat-3190	3	24	.	.	PUNCT
easat-3190	4	1	this	this	DET
easat-3190	4	2	research	research	NOUN
easat-3190	4	3	uses	use	VERB
easat-3190	4	4	qualitative	qualitative	ADJ
easat-3190	4	5	methods	method	NOUN
easat-3190	4	6	and	and	CCONJ
easat-3190	4	7	a	a	DET
easat-3190	4	8	literature	literature	NOUN
easat-3190	4	9	study	study	NOUN
easat-3190	4	10	approach	approach	NOUN
easat-3190	4	11	.	.	PUNCT
easat-3190	5	1	the	the	DET
easat-3190	5	2	data	data	NOUN
easat-3190	5	3	source	source	NOUN
easat-3190	5	4	in	in	ADP
easat-3190	5	5	this	this	DET
easat-3190	5	6	study	study	NOUN
easat-3190	5	7	was	be	AUX
easat-3190	5	8	taken	take	VERB
easat-3190	5	9	from	from	ADP
easat-3190	5	10	the	the	DET
easat-3190	5	11	scopus	scopus	PROPN
easat-3190	5	12	database	database	NOUN
easat-3190	5	13	with	with	ADP
easat-3190	5	14	the	the	DET
easat-3190	5	15	keyword	keyword	NOUN
easat-3190	5	16	"	"	PUNCT
easat-3190	5	17	peer	peer	NOUN
easat-3190	5	18	and	and	CCONJ
easat-3190	5	19	to	to	PART
easat-3190	5	20	and	and	CCONJ
easat-3190	5	21	peer	peer	VERB
easat-3190	5	22	and	and	CCONJ
easat-3190	5	23	lending	lending	NOUN
easat-3190	5	24	"	"	PUNCT
easat-3190	5	25	with	with	ADP
easat-3190	5	26	the	the	DET
easat-3190	5	27	publication	publication	NOUN
easat-3190	5	28	year	year	NOUN
easat-3190	5	29	of	of	ADP
easat-3190	5	30	2017	2017	NUM
easat-3190	5	31	-	-	SYM
easat-3190	5	32	2023	2023	NUM
easat-3190	5	33	.	.	PUNCT
easat-3190	6	1	after	after	ADP
easat-3190	6	2	applying	apply	VERB
easat-3190	6	3	a	a	DET
easat-3190	6	4	set	set	NOUN
easat-3190	6	5	of	of	ADP
easat-3190	6	6	criteria	criterion	NOUN
easat-3190	6	7	,	,	PUNCT
easat-3190	6	8	202	202	NUM
easat-3190	6	9	articles	article	NOUN
easat-3190	6	10	were	be	AUX
easat-3190	6	11	used	use	VERB
easat-3190	6	12	in	in	ADP
easat-3190	6	13	subsequent	subsequent	ADJ
easat-3190	6	14	analyses	analysis	NOUN
easat-3190	6	15	.	.	PUNCT
easat-3190	7	1	all	all	DET
easat-3190	7	2	selected	select	VERB
easat-3190	7	3	articles	article	NOUN
easat-3190	7	4	are	be	AUX
easat-3190	7	5	manually	manually	ADV
easat-3190	7	6	read	read	VERB
easat-3190	7	7	and	and	CCONJ
easat-3190	7	8	coded	code	VERB
easat-3190	7	9	to	to	PART
easat-3190	7	10	get	get	VERB
easat-3190	7	11	some	some	DET
easat-3190	7	12	identifiable	identifiable	ADJ
easat-3190	7	13	information	information	NOUN
easat-3190	7	14	from	from	ADP
easat-3190	7	15	each	each	DET
easat-3190	7	16	article	article	NOUN
easat-3190	7	17	.	.	PUNCT
easat-3190	8	1	the	the	DET
easat-3190	8	2	information	information	NOUN
easat-3190	8	3	includes	include	VERB
easat-3190	8	4	country	country	NOUN
easat-3190	8	5	setting	setting	NOUN
easat-3190	8	6	,	,	PUNCT
easat-3190	8	7	journal	journal	NOUN
easat-3190	8	8	quality	quality	NOUN
easat-3190	8	9	,	,	PUNCT
easat-3190	8	10	research	research	NOUN
easat-3190	8	11	method	method	NOUN
easat-3190	8	12	,	,	PUNCT
easat-3190	8	13	theories	theory	NOUN
easat-3190	8	14	applied	apply	VERB
easat-3190	8	15	in	in	ADP
easat-3190	8	16	research	research	NOUN
easat-3190	8	17	,	,	PUNCT
easat-3190	8	18	and	and	CCONJ
easat-3190	8	19	research	research	NOUN
easat-3190	8	20	findings	finding	NOUN
easat-3190	8	21	.	.	PUNCT
easat-3190	9	1	the	the	DET
easat-3190	9	2	reported	report	VERB
easat-3190	9	3	results	result	NOUN
easat-3190	9	4	are	be	AUX
easat-3190	9	5	discussed	discuss	VERB
easat-3190	9	6	based	base	VERB
easat-3190	9	7	on	on	ADP
easat-3190	9	8	theme	theme	NOUN
easat-3190	9	9	clusters	cluster	NOUN
easat-3190	9	10	using	use	VERB
easat-3190	9	11	bibliometric	bibliometric	ADJ
easat-3190	9	12	analysis	analysis	NOUN
easat-3190	9	13	to	to	PART
easat-3190	9	14	classify	classify	VERB
easat-3190	9	15	articles	article	NOUN
easat-3190	9	16	based	base	VERB
easat-3190	9	17	on	on	ADP
easat-3190	9	18	the	the	DET
easat-3190	9	19	similarity	similarity	NOUN
easat-3190	9	20	of	of	ADP
easat-3190	9	21	the	the	DET
easat-3190	9	22	authors	author	NOUN
easat-3190	9	23	'	'	PART
easat-3190	9	24	keywords	keyword	NOUN
easat-3190	9	25	.	.	PUNCT
easat-3190	10	1	the	the	DET
easat-3190	10	2	prominence	prominence	NOUN
easat-3190	10	3	of	of	ADP
easat-3190	10	4	peer	peer	NOUN
easat-3190	10	5	-	-	PUNCT
easat-3190	10	6	to	to	ADP
easat-3190	10	7	-	-	PUNCT
easat-3190	10	8	peer	peer	NOUN
easat-3190	10	9	lending	lending	NOUN
easat-3190	10	10	as	as	ADP
easat-3190	10	11	a	a	DET
easat-3190	10	12	study	study	NOUN
easat-3190	10	13	issue	issue	NOUN
easat-3190	10	14	is	be	AUX
easat-3190	10	15	evident	evident	ADJ
easat-3190	10	16	from	from	ADP
easat-3190	10	17	the	the	DET
easat-3190	10	18	high	high	ADJ
easat-3190	10	19	caliber	caliber	NOUN
easat-3190	10	20	of	of	ADP
easat-3190	10	21	publications	publication	NOUN
easat-3190	10	22	predominantly	predominantly	ADV
easat-3190	10	23	published	publish	VERB
easat-3190	10	24	in	in	ADP
easat-3190	10	25	esteemed	esteemed	ADJ
easat-3190	10	26	journals	journal	NOUN
easat-3190	10	27	categorized	categorize	VERB
easat-3190	10	28	as	as	ADP
easat-3190	10	29	q1	q1	PROPN
easat-3190	10	30	,	,	PUNCT
easat-3190	10	31	q2	q2	NOUN
easat-3190	10	32	and	and	CCONJ
easat-3190	10	33	q3	q3	PROPN
easat-3190	10	34	.	.	PUNCT
easat-3190	11	1	conversely	conversely	ADV
easat-3190	11	2	,	,	PUNCT
easat-3190	11	3	articles	article	NOUN
easat-3190	11	4	specifically	specifically	ADV
easat-3190	11	5	focused	focus	VERB
easat-3190	11	6	on	on	ADP
easat-3190	11	7	peer	peer	NOUN
easat-3190	11	8	-	-	PUNCT
easat-3190	11	9	to	to	ADP
easat-3190	11	10	-	-	PUNCT
easat-3190	11	11	peer	peer	NOUN
easat-3190	11	12	lending	lending	NOUN
easat-3190	11	13	published	publish	VERB
easat-3190	11	14	in	in	ADP
easat-3190	11	15	q4	q4	PROPN
easat-3190	11	16	are	be	AUX
easat-3190	11	17	scarce	scarce	ADJ
easat-3190	11	18	.	.	PUNCT
easat-3190	12	1	the	the	DET
easat-3190	12	2	article	article	NOUN
easat-3190	12	3	's	's	PART
easat-3190	12	4	keyword	keyword	NOUN
easat-3190	12	5	grouping	grouping	NOUN
easat-3190	12	6	identified	identify	VERB
easat-3190	12	7	six	six	NUM
easat-3190	12	8	cluster	cluster	NOUN
easat-3190	12	9	themes	theme	NOUN
easat-3190	12	10	:	:	PUNCT
easat-3190	12	11	financial	financial	ADJ
easat-3190	12	12	sector	sector	NOUN
easat-3190	12	13	dynamics	dynamic	NOUN
easat-3190	12	14	,	,	PUNCT
easat-3190	12	15	algorithm	algorithm	NOUN
easat-3190	12	16	decision	decision	NOUN
easat-3190	12	17	framework	framework	NOUN
easat-3190	12	18	,	,	PUNCT
easat-3190	12	19	connected	connected	ADJ
easat-3190	12	20	business	business	NOUN
easat-3190	12	21	infotech	infotech	NOUN
easat-3190	12	22	,	,	PUNCT
easat-3190	12	23	p2p	p2p	NOUN
easat-3190	12	24	market	market	NOUN
easat-3190	12	25	crowdfunding	crowdfunding	NOUN
easat-3190	12	26	hub	hub	NOUN
easat-3190	12	27	,	,	PUNCT
easat-3190	12	28	and	and	CCONJ
easat-3190	12	29	financial	financial	ADJ
easat-3190	12	30	innovation	innovation	NOUN
easat-3190	12	31	.	.	PUNCT
easat-3190	13	1	this	this	DET
easat-3190	13	2	study	study	NOUN
easat-3190	13	3	is	be	AUX
easat-3190	13	4	the	the	DET
easat-3190	13	5	first	first	ADJ
easat-3190	13	6	to	to	PART
easat-3190	13	7	investigate	investigate	VERB
easat-3190	13	8	peer	peer	NOUN
easat-3190	13	9	-	-	PUNCT
easat-3190	13	10	to	to	ADP
easat-3190	13	11	-	-	PUNCT
easat-3190	13	12	peer	peer	NOUN
easat-3190	13	13	lending	lending	NOUN
easat-3190	13	14	research	research	NOUN
easat-3190	13	15	trends	trend	NOUN
easat-3190	13	16	using	use	VERB
easat-3190	13	17	literature	literature	NOUN
easat-3190	13	18	review	review	NOUN
easat-3190	13	19	and	and	CCONJ
easat-3190	13	20	bibliometric	bibliometric	ADJ
easat-3190	13	21	analysis	analysis	NOUN
easat-3190	13	22	.	.	PUNCT
easat-3190	14	1	the	the	DET
easat-3190	14	2	study	study	NOUN
easat-3190	14	3	focused	focus	VERB
easat-3190	14	4	on	on	ADP
easat-3190	14	5	articles	article	NOUN
easat-3190	14	6	published	publish	VERB
easat-3190	14	7	between	between	ADP
easat-3190	14	8	2017	2017	NUM
easat-3190	14	9	and	and	CCONJ
easat-3190	14	10	2023	2023	NUM
easat-3190	14	11	.	.	PUNCT
easat-3190	15	1	keywords	keyword	NOUN
easat-3190	15	2	:	:	PUNCT
easat-3190	15	3	bibliometric	bibliometric	ADJ
easat-3190	15	4	,	,	PUNCT
easat-3190	15	5	peer	peer	NOUN
easat-3190	15	6	-	-	PUNCT
easat-3190	15	7	to	to	ADP
easat-3190	15	8	-	-	PUNCT
easat-3190	15	9	peer	peer	NOUN
easat-3190	15	10	lending	lending	NOUN
easat-3190	15	11	,	,	PUNCT
easat-3190	15	12	systematic	systematic	ADJ
easat-3190	15	13	literature	literature	PROPN
easat-3190	15	14	review	review	NOUN
easat-3190	15	15	.	.	PUNCT
easat-3190	16	1	1	1	X
easat-3190	16	2	.	.	X
easat-3190	16	3	introduction	introduction	NOUN
easat-3190	16	4	peer	peer	NOUN
easat-3190	16	5	-	-	PUNCT
easat-3190	16	6	to	to	ADP
easat-3190	16	7	-	-	PUNCT
easat-3190	16	8	peer	peer	NOUN
easat-3190	16	9	(	(	PUNCT
easat-3190	16	10	p2p	p2p	NOUN
easat-3190	16	11	)	)	PUNCT
easat-3190	16	12	lending	lending	NOUN
easat-3190	16	13	has	have	AUX
easat-3190	16	14	become	become	VERB
easat-3190	16	15	one	one	NUM
easat-3190	16	16	of	of	ADP
easat-3190	16	17	the	the	DET
easat-3190	16	18	leading	lead	VERB
easat-3190	16	19	innovations	innovation	NOUN
easat-3190	16	20	in	in	ADP
easat-3190	16	21	the	the	DET
easat-3190	16	22	modern	modern	ADJ
easat-3190	16	23	financial	financial	ADJ
easat-3190	16	24	industry	industry	NOUN
easat-3190	16	25	.	.	PUNCT
easat-3190	17	1	in	in	ADP
easat-3190	17	2	recent	recent	ADJ
easat-3190	17	3	years	year	NOUN
easat-3190	17	4	,	,	PUNCT
easat-3190	17	5	p2p	p2p	NOUN
easat-3190	17	6	lending	lending	NOUN
easat-3190	17	7	has	have	AUX
easat-3190	17	8	gained	gain	VERB
easat-3190	17	9	significant	significant	ADJ
easat-3190	17	10	popularity	popularity	NOUN
easat-3190	17	11	in	in	ADP
easat-3190	17	12	various	various	ADJ
easat-3190	17	13	countries	country	NOUN
easat-3190	17	14	.	.	PUNCT
easat-3190	18	1	p2p	p2p	NOUN
easat-3190	18	2	lending	lending	NOUN
easat-3190	18	3	is	be	AUX
easat-3190	18	4	a	a	DET
easat-3190	18	5	developing	develop	VERB
easat-3190	18	6	internet	internet	NOUN
easat-3190	18	7	lending	lending	NOUN
easat-3190	18	8	sector	sector	NOUN
easat-3190	18	9	that	that	PRON
easat-3190	18	10	operates	operate	VERB
easat-3190	18	11	outside	outside	ADP
easat-3190	18	12	of	of	ADP
easat-3190	18	13	the	the	DET
easat-3190	18	14	existing	exist	VERB
easat-3190	18	15	traditional	traditional	ADJ
easat-3190	18	16	financial	financial	ADJ
easat-3190	18	17	system(liu	system(liu	NOUN
easat-3190	18	18	et	et	PROPN
easat-3190	18	19	al	al	PROPN
easat-3190	18	20	.	.	PROPN
easat-3190	18	21	,	,	PUNCT
easat-3190	18	22	2020a	2020a	NUM
easat-3190	18	23	)	)	PUNCT
easat-3190	18	24	.	.	PUNCT
easat-3190	19	1	peer	peer	NOUN
easat-3190	19	2	-	-	PUNCT
easat-3190	19	3	to	to	ADP
easat-3190	19	4	-	-	PUNCT
easat-3190	19	5	peer	peer	NOUN
easat-3190	19	6	(	(	PUNCT
easat-3190	19	7	p2p	p2p	NOUN
easat-3190	19	8	)	)	PUNCT
easat-3190	19	9	lending	lending	NOUN
easat-3190	19	10	platforms	platform	NOUN
easat-3190	19	11	are	be	AUX
easat-3190	19	12	online	online	ADJ
easat-3190	19	13	marketplaces	marketplace	NOUN
easat-3190	19	14	that	that	PRON
easat-3190	19	15	act	act	VERB
easat-3190	19	16	as	as	ADP
easat-3190	19	17	traditional	traditional	ADJ
easat-3190	19	18	intermediaries	intermediary	NOUN
easat-3190	19	19	and	and	CCONJ
easat-3190	19	20	free	free	ADJ
easat-3190	19	21	mediators	mediator	NOUN
easat-3190	19	22	between	between	ADP
easat-3190	19	23	lenders	lender	NOUN
easat-3190	19	24	and	and	CCONJ
easat-3190	19	25	borrowers	borrower	NOUN
easat-3190	19	26	(	(	PUNCT
easat-3190	19	27	s.	s.	PROPN
easat-3190	19	28	chen	chen	PROPN
easat-3190	19	29	et	et	PROPN
easat-3190	19	30	al	al	PROPN
easat-3190	19	31	.	.	PROPN
easat-3190	19	32	,	,	PUNCT
easat-3190	19	33	2020	2020	NUM
easat-3190	19	34	)	)	PUNCT
easat-3190	19	35	.	.	PUNCT
easat-3190	20	1	peerto	peerto	PROPN
easat-3190	20	2	-	-	PUNCT
easat-3190	20	3	peer	peer	NOUN
easat-3190	20	4	lending	lending	NOUN
easat-3190	20	5	provides	provide	VERB
easat-3190	20	6	an	an	DET
easat-3190	20	7	online	online	ADJ
easat-3190	20	8	platform	platform	NOUN
easat-3190	20	9	that	that	PRON
easat-3190	20	10	connects	connect	VERB
easat-3190	20	11	borrowers	borrower	NOUN
easat-3190	20	12	and	and	CCONJ
easat-3190	20	13	lenders(hsu	lenders(hsu	NOUN
easat-3190	20	14	,	,	PUNCT
easat-3190	20	15	li	li	PROPN
easat-3190	20	16	,	,	PUNCT
easat-3190	20	17	and	and	CCONJ
easat-3190	20	18	bao	bao	PROPN
easat-3190	20	19	,	,	PUNCT
easat-3190	20	20	2021	2021	NUM
easat-3190	20	21	)	)	PUNCT
easat-3190	20	22	,	,	PUNCT
easat-3190	20	23	conducted	conduct	VERB
easat-3190	20	24	online	online	ADV
easat-3190	20	25	through	through	ADP
easat-3190	20	26	various	various	ADJ
easat-3190	20	27	lending	lending	NOUN
easat-3190	20	28	platforms	platform	NOUN
easat-3190	20	29	and	and	CCONJ
easat-3190	20	30	self	self	NOUN
easat-3190	20	31	-	-	PUNCT
easat-3190	20	32	developed	develop	VERB
easat-3190	20	33	credit	credit	NOUN
easat-3190	20	34	check	check	NOUN
easat-3190	20	35	tools	tool	NOUN
easat-3190	20	36	for	for	ADP
easat-3190	20	37	p2p	p2p	NOUN
easat-3190	20	38	lending	lending	NOUN
easat-3190	20	39	companies(c	companies(c	NOUN
easat-3190	20	40	.	.	PUNCT
easat-3190	21	1	wang	wang	PROPN
easat-3190	21	2	et	et	PROPN
easat-3190	21	3	al	al	PROPN
easat-3190	21	4	.	.	PROPN
easat-3190	21	5	,	,	PUNCT
easat-3190	21	6	2019	2019	NUM
easat-3190	21	7	)	)	PUNCT
easat-3190	21	8	.	.	PUNCT
easat-3190	22	1	p2p	p2p	NOUN
easat-3190	22	2	lending	lending	NOUN
easat-3190	22	3	's	's	PART
easat-3190	22	4	primary	primary	ADJ
easat-3190	22	5	function	function	NOUN
easat-3190	22	6	is	be	AUX
easat-3190	22	7	connecting	connect	VERB
easat-3190	22	8	lenders	lender	NOUN
easat-3190	22	9	and	and	CCONJ
easat-3190	22	10	borrowers	borrower	NOUN
easat-3190	22	11	for	for	ADP
easat-3190	22	12	loans	loan	NOUN
easat-3190	22	13	with	with	ADP
easat-3190	22	14	a	a	DET
easat-3190	22	15	set	set	ADJ
easat-3190	22	16	interest	interest	NOUN
easat-3190	22	17	rate	rate	NOUN
easat-3190	22	18	,	,	PUNCT
easat-3190	22	19	principal	principal	ADJ
easat-3190	22	20	amount	amount	NOUN
easat-3190	22	21	,	,	PUNCT
easat-3190	22	22	and	and	CCONJ
easat-3190	22	23	due	due	ADJ
easat-3190	22	24	date	date	NOUN
easat-3190	22	25	(	(	PUNCT
easat-3190	22	26	yu	yu	PROPN
easat-3190	22	27	&	&	CCONJ
easat-3190	22	28	shen	shen	PROPN
easat-3190	22	29	,	,	PUNCT
easat-3190	22	30	2019	2019	NUM
easat-3190	22	31	)	)	PUNCT
easat-3190	22	32	.	.	PUNCT
easat-3190	23	1	the	the	DET
easat-3190	23	2	principle	principle	NOUN
easat-3190	23	3	of	of	ADP
easat-3190	23	4	peer	peer	NOUN
easat-3190	23	5	-	-	PUNCT
easat-3190	23	6	to	to	ADP
easat-3190	23	7	-	-	PUNCT
easat-3190	23	8	peer	peer	NOUN
easat-3190	23	9	(	(	PUNCT
easat-3190	23	10	p2p	p2p	NOUN
easat-3190	23	11	)	)	PUNCT
easat-3190	23	12	lending	lending	NOUN
easat-3190	23	13	is	be	AUX
easat-3190	23	14	that	that	SCONJ
easat-3190	23	15	peers	peer	NOUN
easat-3190	23	16	(	(	PUNCT
easat-3190	23	17	individuals	individual	NOUN
easat-3190	23	18	,	,	PUNCT
easat-3190	23	19	businesses	business	NOUN
easat-3190	23	20	,	,	PUNCT
easat-3190	23	21	groups	group	NOUN
easat-3190	23	22	,	,	PUNCT
easat-3190	23	23	etc	etc	X
easat-3190	23	24	.	.	X
easat-3190	23	25	)	)	PUNCT
easat-3190	23	26	borrow	borrow	VERB
easat-3190	23	27	from	from	ADP
easat-3190	23	28	one	one	NUM
easat-3190	23	29	another	another	DET
easat-3190	23	30	directly	directly	ADV
easat-3190	23	31	without	without	ADP
easat-3190	23	32	the	the	DET
easat-3190	23	33	need	need	NOUN
easat-3190	23	34	for	for	ADP
easat-3190	23	35	a	a	DET
easat-3190	23	36	middleman	middleman	NOUN
easat-3190	23	37	,	,	PUNCT
easat-3190	23	38	discussing	discuss	VERB
easat-3190	23	39	and	and	CCONJ
easat-3190	23	40	agreeing	agree	VERB
easat-3190	23	41	upon	upon	SCONJ
easat-3190	23	42	the	the	DET
easat-3190	23	43	lending	lending	NOUN
easat-3190	23	44	terms	term	NOUN
easat-3190	23	45	(	(	PUNCT
easat-3190	23	46	caplescu	caplescu	NOUN
easat-3190	23	47	et	et	PROPN
easat-3190	23	48	al	al	PROPN
easat-3190	23	49	.	.	PROPN
easat-3190	23	50	,	,	PUNCT
easat-3190	23	51	2020	2020	NUM
easat-3190	23	52	)	)	PUNCT
easat-3190	23	53	.	.	PUNCT
easat-3190	24	1	the	the	DET
easat-3190	24	2	world	world	NOUN
easat-3190	24	3	's	's	PART
easat-3190	24	4	first	first	ADJ
easat-3190	24	5	online	online	ADJ
easat-3190	24	6	p2p	p2p	NOUN
easat-3190	24	7	lending	lending	NOUN
easat-3190	24	8	platform	platform	NOUN
easat-3190	24	9	started	start	VERB
easat-3190	24	10	in	in	ADP
easat-3190	24	11	2005	2005	NUM
easat-3190	24	12	in	in	ADP
easat-3190	24	13	the	the	DET
easat-3190	24	14	uk	uk	PROPN
easat-3190	24	15	with	with	ADP
easat-3190	24	16	the	the	DET
easat-3190	24	17	establishment	establishment	NOUN
easat-3190	24	18	of	of	ADP
easat-3190	24	19	the	the	DET
easat-3190	24	20	zopa	zopa	PROPN
easat-3190	24	21	platform	platform	PROPN
easat-3190	24	22	(	(	PUNCT
easat-3190	24	23	q.	q.	PROPN
easat-3190	24	24	yang	yang	PROPN
easat-3190	24	25	&	&	CCONJ
easat-3190	24	26	;	;	PUNCT
easat-3190	24	27	lee	lee	PROPN
easat-3190	24	28	,	,	PUNCT
easat-3190	24	29	2016	2016	NUM
easat-3190	24	30	)	)	PUNCT
easat-3190	24	31	;	;	PUNCT
easat-3190	24	32	(	(	PUNCT
easat-3190	24	33	klein	klein	PROPN
easat-3190	24	34	et	et	PROPN
easat-3190	24	35	al	al	PROPN
easat-3190	24	36	.	.	PROPN
easat-3190	24	37	,	,	PUNCT
easat-3190	24	38	2021	2021	NUM
easat-3190	24	39	;	;	PUNCT
easat-3190	24	40	x.	x.	PROPN
easat-3190	24	41	yang	yang	PROPN
easat-3190	24	42	,	,	PUNCT
easat-3190	24	43	2014	2014	NUM
easat-3190	24	44	)	)	PUNCT
easat-3190	24	45	.	.	PUNCT
easat-3190	25	1	in	in	ADP
easat-3190	25	2	the	the	DET
easat-3190	25	3	early	early	ADJ
easat-3190	25	4	2010s	2010s	NUM
easat-3190	25	5	,	,	PUNCT
easat-3190	25	6	p2p	p2p	NOUN
easat-3190	25	7	lending	lending	NOUN
easat-3190	25	8	began	begin	VERB
easat-3190	25	9	to	to	PART
easat-3190	25	10	flourish	flourish	VERB
easat-3190	25	11	in	in	ADP
easat-3190	25	12	the	the	DET
easat-3190	25	13	united	united	PROPN
easat-3190	25	14	states	states	PROPN
easat-3190	25	15	with	with	ADP
easat-3190	25	16	the	the	DET
easat-3190	25	17	advent	advent	NOUN
easat-3190	25	18	of	of	ADP
easat-3190	25	19	platforms	platform	NOUN
easat-3190	25	20	such	such	ADJ
easat-3190	25	21	as	as	ADP
easat-3190	25	22	lendingclub	lendingclub	NOUN
easat-3190	25	23	and	and	CCONJ
easat-3190	25	24	prosper	prosper	NOUN
easat-3190	25	25	.	.	PUNCT
easat-3190	26	1	p2p	p2p	NOUN
easat-3190	26	2	lending	lending	NOUN
easat-3190	26	3	has	have	AUX
easat-3190	26	4	seen	see	VERB
easat-3190	26	5	rapid	rapid	ADJ
easat-3190	26	6	growth	growth	NOUN
easat-3190	26	7	in	in	ADP
easat-3190	26	8	the	the	DET
easat-3190	26	9	us	us	PROPN
easat-3190	26	10	,	,	PUNCT
easat-3190	26	11	attributed	attribute	VERB
easat-3190	26	12	to	to	ADP
easat-3190	26	13	regulatory	regulatory	ADJ
easat-3190	26	14	support	support	NOUN
easat-3190	26	15	from	from	ADP
easat-3190	26	16	the	the	DET
easat-3190	26	17	us	us	PROPN
easat-3190	26	18	government	government	NOUN
easat-3190	26	19	and	and	CCONJ
easat-3190	26	20	advancements	advancement	NOUN
easat-3190	26	21	in	in	ADP
easat-3190	26	22	technology	technology	NOUN
easat-3190	26	23	,	,	PUNCT
easat-3190	26	24	as	as	ADV
easat-3190	26	25	well	well	ADV
easat-3190	26	26	as	as	ADP
easat-3190	26	27	the	the	DET
easat-3190	26	28	ease	ease	NOUN
easat-3190	26	29	of	of	ADP
easat-3190	26	30	internet	internet	NOUN
easat-3190	26	31	access	access	NOUN
easat-3190	26	32	(	(	PUNCT
easat-3190	26	33	s.	s.	PROPN
easat-3190	26	34	chen	chen	PROPN
easat-3190	26	35	et	et	PROPN
easat-3190	26	36	al	al	PROPN
easat-3190	26	37	.	.	PROPN
easat-3190	26	38	,	,	PUNCT
easat-3190	26	39	2020	2020	NUM
easat-3190	26	40	)	)	PUNCT
easat-3190	26	41	.	.	PUNCT
easat-3190	27	1	this	this	DET
easat-3190	27	2	growth	growth	NOUN
easat-3190	27	3	trend	trend	NOUN
easat-3190	27	4	has	have	AUX
easat-3190	27	5	not	not	PART
easat-3190	27	6	been	be	AUX
easat-3190	27	7	confined	confine	VERB
easat-3190	27	8	to	to	ADP
easat-3190	27	9	the	the	DET
easat-3190	27	10	united	united	PROPN
easat-3190	27	11	states	states	PROPN
easat-3190	27	12	and	and	CCONJ
easat-3190	27	13	europe	europe	PROPN
easat-3190	27	14	,	,	PUNCT
easat-3190	27	15	as	as	SCONJ
easat-3190	27	16	it	it	PRON
easat-3190	27	17	has	have	AUX
easat-3190	27	18	spread	spread	VERB
easat-3190	27	19	to	to	ADP
easat-3190	27	20	asian	asian	ADJ
easat-3190	27	21	countries	country	NOUN
easat-3190	27	22	such	such	ADJ
easat-3190	27	23	as	as	ADP
easat-3190	27	24	china	china	PROPN
easat-3190	27	25	,	,	PUNCT
easat-3190	27	26	india	india	PROPN
easat-3190	27	27	,	,	PUNCT
easat-3190	27	28	and	and	CCONJ
easat-3190	27	29	indonesia	indonesia	PROPN
easat-3190	27	30	.	.	PUNCT
easat-3190	28	1	p2p	p2p	NOUN
easat-3190	28	2	lending	lending	NOUN
easat-3190	28	3	entered	enter	VERB
easat-3190	28	4	china	china	PROPN
easat-3190	28	5	around	around	ADP
easat-3190	28	6	2006	2006	NUM
easat-3190	28	7	(	(	PUNCT
easat-3190	28	8	yu	yu	PROPN
easat-3190	28	9	&	&	CCONJ
easat-3190	28	10	shen	shen	PROPN
easat-3190	28	11	,	,	PUNCT
easat-3190	28	12	5337	5337	NUM
easat-3190	28	13	edelweiss	edelweiss	PROPN
easat-3190	28	14	applied	apply	VERB
easat-3190	28	15	science	science	NOUN
easat-3190	28	16	and	and	CCONJ
easat-3190	28	17	technology	technology	NOUN
easat-3190	28	18	issn	issn	PROPN
easat-3190	28	19	:	:	PUNCT
easat-3190	28	20	2576	2576	NUM
easat-3190	28	21	-	-	SYM
easat-3190	28	22	8484	8484	NUM
easat-3190	28	23	vol	vol	NOUN
easat-3190	28	24	.	.	PROPN
easat-3190	29	1	8	8	NUM
easat-3190	29	2	,	,	PUNCT
easat-3190	29	3	no	no	INTJ
easat-3190	29	4	.	.	NOUN
easat-3190	30	1	6	6	NUM
easat-3190	30	2	:	:	SYM
easat-3190	30	3	5336	5336	NUM
easat-3190	30	4	-	-	SYM
easat-3190	30	5	5348	5348	NUM
easat-3190	30	6	,	,	PUNCT
easat-3190	30	7	2024	2024	NUM
easat-3190	30	8	doi	doi	NOUN
easat-3190	30	9	:	:	PUNCT
easat-3190	30	10	10.55214/25768484.v8i6.3190	10.55214/25768484.v8i6.3190	NUM
easat-3190	30	11	©	©	ADP
easat-3190	30	12	2024	2024	NUM
easat-3190	30	13	by	by	ADP
easat-3190	30	14	the	the	DET
easat-3190	30	15	authors	author	NOUN
easat-3190	30	16	;	;	PUNCT
easat-3190	30	17	licensee	licensee	PROPN
easat-3190	30	18	learning	learning	NOUN
easat-3190	30	19	gate	gate	NOUN
easat-3190	30	20	2019	2019	NUM
easat-3190	30	21	)	)	PUNCT
easat-3190	30	22	,	,	PUNCT
easat-3190	30	23	and	and	CCONJ
easat-3190	30	24	it	it	PRON
easat-3190	30	25	has	have	AUX
easat-3190	30	26	rapidly	rapidly	ADV
easat-3190	30	27	developed	develop	VERB
easat-3190	30	28	since	since	SCONJ
easat-3190	30	29	2012	2012	NUM
easat-3190	30	30	(	(	PUNCT
easat-3190	30	31	y.	y.	PROPN
easat-3190	30	32	li	li	PROPN
easat-3190	30	33	et	et	PROPN
easat-3190	30	34	al	al	PROPN
easat-3190	30	35	.	.	PROPN
easat-3190	30	36	,	,	PUNCT
easat-3190	30	37	2020	2020	NUM
easat-3190	30	38	)	)	PUNCT
easat-3190	30	39	,	,	PUNCT
easat-3190	30	40	characterized	characterize	VERB
easat-3190	30	41	by	by	ADP
easat-3190	30	42	the	the	DET
easat-3190	30	43	establishment	establishment	NOUN
easat-3190	30	44	of	of	ADP
easat-3190	30	45	numerous	numerous	ADJ
easat-3190	30	46	new	new	ADJ
easat-3190	30	47	platforms	platform	NOUN
easat-3190	30	48	and	and	CCONJ
easat-3190	30	49	an	an	DET
easat-3190	30	50	increasing	increase	VERB
easat-3190	30	51	number	number	NOUN
easat-3190	30	52	of	of	ADP
easat-3190	30	53	lenders	lender	NOUN
easat-3190	30	54	and	and	CCONJ
easat-3190	30	55	borrowers	borrower	NOUN
easat-3190	30	56	.	.	PUNCT
easat-3190	31	1	among	among	ADP
easat-3190	31	2	these	these	DET
easat-3190	31	3	platforms	platform	NOUN
easat-3190	31	4	,	,	PUNCT
easat-3190	31	5	the	the	DET
easat-3190	31	6	fastest	fast	ADV
easat-3190	31	7	-	-	PUNCT
easat-3190	31	8	growing	grow	VERB
easat-3190	31	9	p2p	p2p	NOUN
easat-3190	31	10	lending	lending	NOUN
easat-3190	31	11	platform	platform	NOUN
easat-3190	31	12	in	in	ADP
easat-3190	31	13	china	china	PROPN
easat-3190	31	14	is	be	AUX
easat-3190	31	15	paipaidai.com	paipaidai.com	X
easat-3190	31	16	(	(	PUNCT
easat-3190	31	17	c.	c.	PROPN
easat-3190	31	18	chen	chen	PROPN
easat-3190	31	19	et	et	PROPN
easat-3190	31	20	al	al	PROPN
easat-3190	31	21	.	.	PROPN
easat-3190	31	22	,	,	PUNCT
easat-3190	31	23	2021	2021	NUM
easat-3190	31	24	;	;	PUNCT
easat-3190	31	25	y.	y.	PROPN
easat-3190	31	26	li	li	PROPN
easat-3190	31	27	et	et	PROPN
easat-3190	31	28	al	al	PROPN
easat-3190	31	29	.	.	PROPN
easat-3190	31	30	,	,	PUNCT
easat-3190	31	31	2020	2020	NUM
easat-3190	31	32	)	)	PUNCT
easat-3190	31	33	.	.	PUNCT
easat-3190	32	1	indonesia	indonesia	PROPN
easat-3190	32	2	has	have	AUX
easat-3190	32	3	also	also	ADV
easat-3190	32	4	witnessed	witness	VERB
easat-3190	32	5	significant	significant	ADJ
easat-3190	32	6	growth	growth	NOUN
easat-3190	32	7	in	in	ADP
easat-3190	32	8	p2p	p2p	NOUN
easat-3190	32	9	lending	lending	NOUN
easat-3190	32	10	(	(	PUNCT
easat-3190	32	11	santoso	santoso	NOUN
easat-3190	32	12	et	et	PROPN
easat-3190	32	13	al	al	PROPN
easat-3190	32	14	.	.	PROPN
easat-3190	32	15	,	,	PUNCT
easat-3190	32	16	2020	2020	NUM
easat-3190	32	17	)	)	PUNCT
easat-3190	32	18	.	.	PUNCT
easat-3190	33	1	as	as	ADP
easat-3190	33	2	of	of	ADP
easat-3190	33	3	june	june	PROPN
easat-3190	33	4	2023	2023	NUM
easat-3190	33	5	,	,	PUNCT
easat-3190	33	6	data	datum	NOUN
easat-3190	33	7	from	from	ADP
easat-3190	33	8	the	the	DET
easat-3190	33	9	indonesia	indonesia	PROPN
easat-3190	33	10	financial	financial	PROPN
easat-3190	33	11	services	services	PROPN
easat-3190	33	12	authority	authority	NOUN
easat-3190	33	13	(	(	PUNCT
easat-3190	33	14	ojk	ojk	NOUN
easat-3190	33	15	)	)	PUNCT
easat-3190	33	16	indicates	indicate	VERB
easat-3190	33	17	that	that	SCONJ
easat-3190	33	18	there	there	PRON
easat-3190	33	19	are	be	VERB
easat-3190	33	20	102	102	NUM
easat-3190	33	21	registered	register	VERB
easat-3190	33	22	p2p	p2p	NOUN
easat-3190	33	23	lending	lending	NOUN
easat-3190	33	24	platforms	platform	NOUN
easat-3190	33	25	in	in	ADP
easat-3190	33	26	indonesia	indonesia	PROPN
easat-3190	33	27	,	,	PUNCT
easat-3190	33	28	with	with	ADP
easat-3190	33	29	total	total	ADJ
easat-3190	33	30	assets	asset	NOUN
easat-3190	33	31	amounting	amount	VERB
easat-3190	33	32	to	to	PART
easat-3190	33	33	idr	idr	VERB
easat-3190	33	34	6,825.39	6,825.39	NUM
easat-3190	33	35	billion	billion	NUM
easat-3190	33	36	.	.	PUNCT
easat-3190	34	1	these	these	DET
easat-3190	34	2	platforms	platform	NOUN
easat-3190	34	3	serve	serve	VERB
easat-3190	34	4	a	a	DET
easat-3190	34	5	substantial	substantial	ADJ
easat-3190	34	6	number	number	NOUN
easat-3190	34	7	of	of	ADP
easat-3190	34	8	borrowers	borrower	NOUN
easat-3190	34	9	,	,	PUNCT
easat-3190	34	10	with	with	ADP
easat-3190	34	11	approximately	approximately	ADV
easat-3190	34	12	115,801,742	115,801,742	NUM
easat-3190	34	13	entity	entity	NOUN
easat-3190	34	14	units	unit	NOUN
easat-3190	34	15	having	have	VERB
easat-3190	34	16	borrower	borrower	NOUN
easat-3190	34	17	accounts	account	NOUN
easat-3190	34	18	,	,	PUNCT
easat-3190	34	19	along	along	ADP
easat-3190	34	20	with	with	ADP
easat-3190	34	21	1,087,654	1,087,654	NUM
easat-3190	34	22	entity	entity	NOUN
easat-3190	34	23	units	unit	NOUN
easat-3190	34	24	holding	hold	VERB
easat-3190	34	25	lender	lender	NOUN
easat-3190	34	26	accounts	account	NOUN
easat-3190	34	27	(	(	PUNCT
easat-3190	34	28	ojk.go.id	ojk.go.id	NOUN
easat-3190	34	29	,	,	PUNCT
easat-3190	34	30	2023	2023	NUM
easat-3190	34	31	)	)	PUNCT
easat-3190	34	32	.	.	PUNCT
easat-3190	35	1	p2p	p2p	NOUN
easat-3190	35	2	lending	lending	NOUN
easat-3190	35	3	offers	offer	VERB
easat-3190	35	4	several	several	ADJ
easat-3190	35	5	advantages	advantage	NOUN
easat-3190	35	6	,	,	PUNCT
easat-3190	35	7	such	such	ADJ
easat-3190	35	8	as	as	ADP
easat-3190	35	9	more	more	ADV
easat-3190	35	10	accessible	accessible	ADJ
easat-3190	35	11	access	access	NOUN
easat-3190	35	12	to	to	ADP
easat-3190	35	13	financing	financing	NOUN
easat-3190	35	14	and	and	CCONJ
easat-3190	35	15	competitive	competitive	ADJ
easat-3190	35	16	interest	interest	NOUN
easat-3190	35	17	rates	rate	NOUN
easat-3190	35	18	.	.	PUNCT
easat-3190	36	1	p2p	p2p	NOUN
easat-3190	36	2	lending	lending	NOUN
easat-3190	36	3	can	can	AUX
easat-3190	36	4	help	help	VERB
easat-3190	36	5	small	small	ADJ
easat-3190	36	6	enterprises	enterprise	NOUN
easat-3190	36	7	and	and	CCONJ
easat-3190	36	8	individual	individual	ADJ
easat-3190	36	9	consumers	consumer	NOUN
easat-3190	36	10	with	with	ADP
easat-3190	36	11	short	short	ADJ
easat-3190	36	12	-	-	PUNCT
easat-3190	36	13	term	term	NOUN
easat-3190	36	14	financing	financing	NOUN
easat-3190	36	15	(	(	PUNCT
easat-3190	36	16	y.	y.	PROPN
easat-3190	36	17	li	li	PROPN
easat-3190	36	18	et	et	PROPN
easat-3190	36	19	al	al	PROPN
easat-3190	36	20	.	.	PROPN
easat-3190	36	21	,	,	PUNCT
easat-3190	36	22	2020	2020	NUM
easat-3190	36	23	)	)	PUNCT
easat-3190	36	24	.	.	PUNCT
easat-3190	37	1	the	the	DET
easat-3190	37	2	presence	presence	NOUN
easat-3190	37	3	of	of	ADP
easat-3190	37	4	p2p	p2p	NOUN
easat-3190	37	5	lending	lending	NOUN
easat-3190	37	6	is	be	AUX
easat-3190	37	7	a	a	DET
easat-3190	37	8	solution	solution	NOUN
easat-3190	37	9	to	to	PART
easat-3190	37	10	meet	meet	VERB
easat-3190	37	11	people	people	NOUN
easat-3190	37	12	's	's	PART
easat-3190	37	13	needs	need	NOUN
easat-3190	37	14	for	for	ADP
easat-3190	37	15	financial	financial	ADJ
easat-3190	37	16	services	service	NOUN
easat-3190	37	17	(	(	PUNCT
easat-3190	37	18	suryono	suryono	VERB
easat-3190	37	19	et	et	PROPN
easat-3190	37	20	al	al	PROPN
easat-3190	37	21	.	.	PROPN
easat-3190	37	22	,	,	PUNCT
easat-3190	37	23	2021	2021	NUM
easat-3190	37	24	)	)	PUNCT
easat-3190	37	25	.	.	PUNCT
easat-3190	38	1	peer	peer	NOUN
easat-3190	38	2	-	-	PUNCT
easat-3190	38	3	to	to	ADP
easat-3190	38	4	-	-	PUNCT
easat-3190	38	5	peer	peer	NOUN
easat-3190	38	6	(	(	PUNCT
easat-3190	38	7	p2p	p2p	NOUN
easat-3190	38	8	)	)	PUNCT
easat-3190	38	9	online	online	ADJ
easat-3190	38	10	lending	lending	NOUN
easat-3190	38	11	platforms	platform	NOUN
easat-3190	38	12	provide	provide	VERB
easat-3190	38	13	alternative	alternative	ADJ
easat-3190	38	14	credit	credit	NOUN
easat-3190	38	15	options	option	NOUN
easat-3190	38	16	for	for	ADP
easat-3190	38	17	individuals	individual	NOUN
easat-3190	38	18	and	and	CCONJ
easat-3190	38	19	small	small	ADJ
easat-3190	38	20	businesses	business	NOUN
easat-3190	38	21	(	(	PUNCT
easat-3190	38	22	a.	a.	PROPN
easat-3190	38	23	basha	basha	PROPN
easat-3190	38	24	et	et	PROPN
easat-3190	38	25	al	al	PROPN
easat-3190	38	26	.	.	PROPN
easat-3190	38	27	,	,	PUNCT
easat-3190	38	28	2021	2021	NUM
easat-3190	38	29	)	)	PUNCT
easat-3190	38	30	.	.	PUNCT
easat-3190	39	1	p2p	p2p	NOUN
easat-3190	39	2	lending	lending	NOUN
easat-3190	39	3	allows	allow	VERB
easat-3190	39	4	borrowers	borrower	NOUN
easat-3190	39	5	to	to	PART
easat-3190	39	6	obtain	obtain	VERB
easat-3190	39	7	microloans	microloan	NOUN
easat-3190	39	8	from	from	ADP
easat-3190	39	9	individuals	individual	NOUN
easat-3190	39	10	without	without	ADP
easat-3190	39	11	the	the	DET
easat-3190	39	12	intermediation	intermediation	NOUN
easat-3190	39	13	of	of	ADP
easat-3190	39	14	financial	financial	ADJ
easat-3190	39	15	institutions	institution	NOUN
easat-3190	39	16	(	(	PUNCT
easat-3190	39	17	gibilaro	gibilaro	NOUN
easat-3190	39	18	&	&	CCONJ
easat-3190	39	19	mattarocci	mattarocci	PROPN
easat-3190	39	20	,	,	PUNCT
easat-3190	39	21	2018	2018	NUM
easat-3190	39	22	)	)	PUNCT
easat-3190	39	23	.	.	PUNCT
easat-3190	40	1	in	in	ADP
easat-3190	40	2	addition	addition	NOUN
easat-3190	40	3	to	to	ADP
easat-3190	40	4	the	the	DET
easat-3190	40	5	advantages	advantage	NOUN
easat-3190	40	6	offered	offer	VERB
easat-3190	40	7	by	by	ADP
easat-3190	40	8	p2p	p2p	NOUN
easat-3190	40	9	lending	lending	NOUN
easat-3190	40	10	,	,	PUNCT
easat-3190	40	11	various	various	ADJ
easat-3190	40	12	challenges	challenge	NOUN
easat-3190	40	13	need	need	VERB
easat-3190	40	14	to	to	PART
easat-3190	40	15	be	be	AUX
easat-3190	40	16	overcome	overcome	VERB
easat-3190	40	17	.	.	PUNCT
easat-3190	41	1	for	for	ADP
easat-3190	41	2	example	example	NOUN
easat-3190	41	3	,	,	PUNCT
easat-3190	41	4	the	the	DET
easat-3190	41	5	risk	risk	NOUN
easat-3190	41	6	of	of	ADP
easat-3190	41	7	loan	loan	NOUN
easat-3190	41	8	default	default	NOUN
easat-3190	41	9	,	,	PUNCT
easat-3190	41	10	information	information	NOUN
easat-3190	41	11	imbalance	imbalance	NOUN
easat-3190	41	12	between	between	ADP
easat-3190	41	13	borrowers	borrower	NOUN
easat-3190	41	14	and	and	CCONJ
easat-3190	41	15	lenders	lender	NOUN
easat-3190	41	16	,	,	PUNCT
easat-3190	41	17	and	and	CCONJ
easat-3190	41	18	regulatory	regulatory	ADJ
easat-3190	41	19	and	and	CCONJ
easat-3190	41	20	consumer	consumer	NOUN
easat-3190	41	21	protection	protection	NOUN
easat-3190	41	22	issues	issue	NOUN
easat-3190	41	23	.	.	PUNCT
easat-3190	42	1	in	in	ADP
easat-3190	42	2	this	this	DET
easat-3190	42	3	context	context	NOUN
easat-3190	42	4	,	,	PUNCT
easat-3190	42	5	it	it	PRON
easat-3190	42	6	is	be	AUX
easat-3190	42	7	crucial	crucial	ADJ
easat-3190	42	8	to	to	PART
easat-3190	42	9	conduct	conduct	VERB
easat-3190	42	10	a	a	DET
easat-3190	42	11	comprehensive	comprehensive	ADJ
easat-3190	42	12	literature	literature	NOUN
easat-3190	42	13	review	review	NOUN
easat-3190	42	14	of	of	ADP
easat-3190	42	15	research	research	NOUN
easat-3190	42	16	done	do	VERB
easat-3190	42	17	previously	previously	ADV
easat-3190	42	18	in	in	ADP
easat-3190	42	19	the	the	DET
easat-3190	42	20	field	field	NOUN
easat-3190	42	21	of	of	ADP
easat-3190	42	22	p2p	p2p	NOUN
easat-3190	42	23	lending	lending	NOUN
easat-3190	42	24	.	.	PUNCT
easat-3190	43	1	this	this	DET
easat-3190	43	2	literature	literature	NOUN
easat-3190	43	3	review	review	NOUN
easat-3190	43	4	will	will	AUX
easat-3190	43	5	help	help	VERB
easat-3190	43	6	understand	understand	VERB
easat-3190	43	7	trends	trend	NOUN
easat-3190	43	8	,	,	PUNCT
easat-3190	43	9	key	key	ADJ
easat-3190	43	10	issues	issue	NOUN
easat-3190	43	11	,	,	PUNCT
easat-3190	43	12	and	and	CCONJ
easat-3190	43	13	the	the	DET
easat-3190	43	14	latest	late	ADJ
easat-3190	43	15	developments	development	NOUN
easat-3190	43	16	in	in	ADP
easat-3190	43	17	p2p	p2p	NOUN
easat-3190	43	18	lending	lending	NOUN
easat-3190	43	19	.	.	PUNCT
easat-3190	44	1	it	it	PRON
easat-3190	44	2	will	will	AUX
easat-3190	44	3	also	also	ADV
easat-3190	44	4	provide	provide	VERB
easat-3190	44	5	a	a	DET
easat-3190	44	6	solid	solid	ADJ
easat-3190	44	7	foundation	foundation	NOUN
easat-3190	44	8	for	for	ADP
easat-3190	44	9	further	further	ADJ
easat-3190	44	10	research	research	NOUN
easat-3190	44	11	and	and	CCONJ
easat-3190	44	12	help	help	AUX
easat-3190	44	13	identify	identify	VERB
easat-3190	44	14	knowledge	knowledge	NOUN
easat-3190	44	15	gaps	gap	NOUN
easat-3190	44	16	that	that	PRON
easat-3190	44	17	need	need	VERB
easat-3190	44	18	to	to	PART
easat-3190	44	19	be	be	AUX
easat-3190	44	20	filled	fill	VERB
easat-3190	44	21	.	.	PUNCT
easat-3190	45	1	by	by	ADP
easat-3190	45	2	looking	look	VERB
easat-3190	45	3	at	at	ADP
easat-3190	45	4	an	an	DET
easat-3190	45	5	in	in	ADP
easat-3190	45	6	-	-	PUNCT
easat-3190	45	7	depth	depth	NOUN
easat-3190	45	8	literature	literature	NOUN
easat-3190	45	9	review	review	NOUN
easat-3190	45	10	of	of	ADP
easat-3190	45	11	p2p	p2p	NOUN
easat-3190	45	12	lending	lending	NOUN
easat-3190	45	13	,	,	PUNCT
easat-3190	45	14	we	we	PRON
easat-3190	45	15	can	can	AUX
easat-3190	45	16	better	well	ADV
easat-3190	45	17	understand	understand	VERB
easat-3190	45	18	this	this	DET
easat-3190	45	19	phenomenon	phenomenon	NOUN
easat-3190	45	20	,	,	PUNCT
easat-3190	45	21	estimate	estimate	VERB
easat-3190	45	22	potential	potential	ADJ
easat-3190	45	23	future	future	ADJ
easat-3190	45	24	developments	development	NOUN
easat-3190	45	25	,	,	PUNCT
easat-3190	45	26	and	and	CCONJ
easat-3190	45	27	identify	identify	VERB
easat-3190	45	28	areas	area	NOUN
easat-3190	45	29	of	of	ADP
easat-3190	45	30	research	research	NOUN
easat-3190	45	31	that	that	PRON
easat-3190	45	32	are	be	AUX
easat-3190	45	33	still	still	ADV
easat-3190	45	34	not	not	PART
easat-3190	45	35	well	well	ADV
easat-3190	45	36	covered	cover	VERB
easat-3190	45	37	.	.	PUNCT
easat-3190	46	1	this	this	DET
easat-3190	46	2	study	study	NOUN
easat-3190	46	3	intends	intend	VERB
easat-3190	46	4	to	to	PART
easat-3190	46	5	assess	assess	VERB
easat-3190	46	6	the	the	DET
easat-3190	46	7	breadth	breadth	NOUN
easat-3190	46	8	and	and	CCONJ
easat-3190	46	9	significance	significance	NOUN
easat-3190	46	10	of	of	ADP
easat-3190	46	11	p2p	p2p	NOUN
easat-3190	46	12	lending	lend	VERB
easat-3190	46	13	by	by	ADP
easat-3190	46	14	responding	respond	VERB
easat-3190	46	15	to	to	ADP
easat-3190	46	16	the	the	DET
easat-3190	46	17	following	follow	VERB
easat-3190	46	18	research	research	NOUN
easat-3190	46	19	questions	question	NOUN
easat-3190	46	20	,	,	PUNCT
easat-3190	46	21	considering	consider	VERB
easat-3190	46	22	the	the	DET
easat-3190	46	23	importance	importance	NOUN
easat-3190	46	24	and	and	CCONJ
easat-3190	46	25	implications	implication	NOUN
easat-3190	46	26	of	of	ADP
easat-3190	46	27	all	all	DET
easat-3190	46	28	these	these	DET
easat-3190	46	29	concerns	concern	NOUN
easat-3190	46	30	for	for	ADP
easat-3190	46	31	p2p	p2p	NOUN
easat-3190	46	32	lending	lending	NOUN
easat-3190	46	33	.	.	PUNCT
easat-3190	47	1	rq1	rq1	NOUN
easat-3190	47	2	:	:	PUNCT
easat-3190	47	3	what	what	PRON
easat-3190	47	4	has	have	AUX
easat-3190	47	5	been	be	AUX
easat-3190	47	6	done	do	VERB
easat-3190	47	7	by	by	ADP
easat-3190	47	8	the	the	DET
easat-3190	47	9	existing	exist	VERB
easat-3190	47	10	research	research	NOUN
easat-3190	47	11	on	on	ADP
easat-3190	47	12	p2p	p2p	NOUN
easat-3190	47	13	lending	lending	NOUN
easat-3190	47	14	(	(	PUNCT
easat-3190	47	15	country	country	NOUN
easat-3190	47	16	setting	setting	NOUN
easat-3190	47	17	,	,	PUNCT
easat-3190	47	18	and	and	CCONJ
easat-3190	47	19	research	research	NOUN
easat-3190	47	20	method	method	NOUN
easat-3190	47	21	)	)	PUNCT
easat-3190	47	22	?	?	PUNCT
easat-3190	48	1	rq2	rq2	NOUN
easat-3190	48	2	:	:	PUNCT
easat-3190	48	3	what	what	PRON
easat-3190	48	4	authors	author	NOUN
easat-3190	48	5	,	,	PUNCT
easat-3190	48	6	scientific	scientific	ADJ
easat-3190	48	7	articles	article	NOUN
easat-3190	48	8	,	,	PUNCT
easat-3190	48	9	and	and	CCONJ
easat-3190	48	10	theories	theory	NOUN
easat-3190	48	11	applied	apply	VERB
easat-3190	48	12	in	in	ADP
easat-3190	48	13	the	the	DET
easat-3190	48	14	research	research	NOUN
easat-3190	48	15	are	be	AUX
easat-3190	48	16	most	most	ADV
easat-3190	48	17	influential	influential	ADJ
easat-3190	48	18	?	?	PUNCT
easat-3190	49	1	rq3	rq3	NOUN
easat-3190	49	2	:	:	PUNCT
easat-3190	49	3	what	what	PRON
easat-3190	49	4	themes	theme	NOUN
easat-3190	49	5	and	and	CCONJ
easat-3190	49	6	findings	finding	NOUN
easat-3190	49	7	are	be	AUX
easat-3190	49	8	found	find	VERB
easat-3190	49	9	in	in	ADP
easat-3190	49	10	existing	exist	VERB
easat-3190	49	11	research	research	NOUN
easat-3190	49	12	on	on	ADP
easat-3190	49	13	p2p	p2p	NOUN
easat-3190	49	14	lending	lending	NOUN
easat-3190	49	15	?	?	PUNCT
easat-3190	50	1	based	base	VERB
easat-3190	50	2	on	on	ADP
easat-3190	50	3	the	the	DET
easat-3190	50	4	background	background	NOUN
easat-3190	50	5	explanation	explanation	NOUN
easat-3190	50	6	above	above	ADV
easat-3190	50	7	,	,	PUNCT
easat-3190	50	8	this	this	DET
easat-3190	50	9	paper	paper	NOUN
easat-3190	50	10	will	will	AUX
easat-3190	50	11	analyze	analyze	VERB
easat-3190	50	12	p2p	p2p	NOUN
easat-3190	50	13	lending	lending	NOUN
easat-3190	50	14	.	.	PUNCT
easat-3190	51	1	as	as	ADP
easat-3190	51	2	for	for	ADP
easat-3190	51	3	the	the	DET
easat-3190	51	4	novelty	novelty	NOUN
easat-3190	51	5	in	in	ADP
easat-3190	51	6	this	this	DET
easat-3190	51	7	study	study	NOUN
easat-3190	51	8	,	,	PUNCT
easat-3190	51	9	the	the	DET
easat-3190	51	10	author	author	NOUN
easat-3190	51	11	mapped	map	VERB
easat-3190	51	12	a	a	DET
easat-3190	51	13	survey	survey	NOUN
easat-3190	51	14	of	of	ADP
easat-3190	51	15	p2p	p2p	NOUN
easat-3190	51	16	lending	lending	NOUN
easat-3190	51	17	that	that	PRON
easat-3190	51	18	had	have	AUX
easat-3190	51	19	been	be	AUX
easat-3190	51	20	published	publish	VERB
easat-3190	51	21	previously	previously	ADV
easat-3190	51	22	using	use	VERB
easat-3190	51	23	the	the	DET
easat-3190	51	24	scopus	scopus	PROPN
easat-3190	51	25	database	database	NOUN
easat-3190	51	26	.	.	PUNCT
easat-3190	52	1	then	then	ADV
easat-3190	52	2	,	,	PUNCT
easat-3190	52	3	from	from	ADP
easat-3190	52	4	this	this	DET
easat-3190	52	5	mapping	mapping	NOUN
easat-3190	52	6	,	,	PUNCT
easat-3190	52	7	this	this	DET
easat-3190	52	8	research	research	NOUN
easat-3190	52	9	will	will	AUX
easat-3190	52	10	find	find	VERB
easat-3190	52	11	new	new	ADJ
easat-3190	52	12	gaps	gap	NOUN
easat-3190	52	13	to	to	PART
easat-3190	52	14	be	be	AUX
easat-3190	52	15	used	use	VERB
easat-3190	52	16	as	as	ADP
easat-3190	52	17	follow	follow	NOUN
easat-3190	52	18	-	-	PUNCT
easat-3190	52	19	up	up	ADP
easat-3190	52	20	research	research	NOUN
easat-3190	52	21	and	and	CCONJ
easat-3190	52	22	can	can	AUX
easat-3190	52	23	complement	complement	VERB
easat-3190	52	24	the	the	DET
easat-3190	52	25	existing	exist	VERB
easat-3190	52	26	literature	literature	NOUN
easat-3190	52	27	.	.	PUNCT
easat-3190	53	1	we	we	PRON
easat-3190	53	2	organize	organize	VERB
easat-3190	53	3	this	this	DET
easat-3190	53	4	research	research	NOUN
easat-3190	53	5	as	as	SCONJ
easat-3190	53	6	follows	follow	VERB
easat-3190	53	7	.	.	PUNCT
easat-3190	54	1	section	section	NOUN
easat-3190	54	2	2	2	NUM
easat-3190	54	3	presents	present	VERB
easat-3190	54	4	the	the	DET
easat-3190	54	5	research	research	NOUN
easat-3190	54	6	method	method	NOUN
easat-3190	54	7	.	.	PUNCT
easat-3190	55	1	section	section	NOUN
easat-3190	55	2	3	3	NUM
easat-3190	55	3	provided	provide	VERB
easat-3190	55	4	the	the	DET
easat-3190	55	5	evolution	evolution	NOUN
easat-3190	55	6	of	of	ADP
easat-3190	55	7	the	the	DET
easat-3190	55	8	literature	literature	NOUN
easat-3190	55	9	,	,	PUNCT
easat-3190	55	10	publication	publication	NOUN
easat-3190	55	11	quality	quality	NOUN
easat-3190	55	12	,	,	PUNCT
easat-3190	55	13	research	research	NOUN
easat-3190	55	14	setting	setting	NOUN
easat-3190	55	15	,	,	PUNCT
easat-3190	55	16	research	research	NOUN
easat-3190	55	17	method	method	NOUN
easat-3190	55	18	,	,	PUNCT
easat-3190	55	19	theories	theory	NOUN
easat-3190	55	20	applied	apply	VERB
easat-3190	55	21	in	in	ADP
easat-3190	55	22	the	the	DET
easat-3190	55	23	research	research	NOUN
easat-3190	55	24	,	,	PUNCT
easat-3190	55	25	and	and	CCONJ
easat-3190	55	26	most	most	ADV
easat-3190	55	27	cited	cite	VERB
easat-3190	55	28	articles	article	NOUN
easat-3190	55	29	.	.	PUNCT
easat-3190	56	1	to	to	PART
easat-3190	56	2	determine	determine	VERB
easat-3190	56	3	the	the	DET
easat-3190	56	4	study	study	NOUN
easat-3190	56	5	theme	theme	NOUN
easat-3190	56	6	covered	cover	VERB
easat-3190	56	7	in	in	ADP
easat-3190	56	8	this	this	DET
easat-3190	56	9	literature	literature	NOUN
easat-3190	56	10	review	review	NOUN
easat-3190	56	11	,	,	PUNCT
easat-3190	56	12	this	this	DET
easat-3190	56	13	part	part	NOUN
easat-3190	56	14	also	also	ADV
easat-3190	56	15	includes	include	VERB
easat-3190	56	16	a	a	DET
easat-3190	56	17	bibliometric	bibliometric	ADJ
easat-3190	56	18	analysis	analysis	NOUN
easat-3190	56	19	,	,	PUNCT
easat-3190	56	20	and	and	CCONJ
easat-3190	56	21	section	section	NOUN
easat-3190	56	22	4	4	NUM
easat-3190	56	23	outlines	outline	VERB
easat-3190	56	24	the	the	DET
easat-3190	56	25	conclusion	conclusion	NOUN
easat-3190	56	26	and	and	CCONJ
easat-3190	56	27	limitations	limitation	NOUN
easat-3190	56	28	.	.	PUNCT
easat-3190	57	1	2	2	X
easat-3190	57	2	.	.	X
easat-3190	57	3	method	method	NOUN
easat-3190	57	4	this	this	DET
easat-3190	57	5	research	research	NOUN
easat-3190	57	6	uses	use	VERB
easat-3190	57	7	qualitative	qualitative	ADJ
easat-3190	57	8	methods	method	NOUN
easat-3190	57	9	and	and	CCONJ
easat-3190	57	10	a	a	DET
easat-3190	57	11	literature	literature	NOUN
easat-3190	57	12	study	study	NOUN
easat-3190	57	13	approach	approach	NOUN
easat-3190	57	14	.	.	PUNCT
easat-3190	58	1	the	the	DET
easat-3190	58	2	data	data	NOUN
easat-3190	58	3	source	source	NOUN
easat-3190	58	4	in	in	ADP
easat-3190	58	5	this	this	DET
easat-3190	58	6	study	study	NOUN
easat-3190	58	7	was	be	AUX
easat-3190	58	8	taken	take	VERB
easat-3190	58	9	from	from	ADP
easat-3190	58	10	the	the	DET
easat-3190	58	11	scopus	scopus	PROPN
easat-3190	58	12	database	database	NOUN
easat-3190	58	13	with	with	ADP
easat-3190	58	14	the	the	DET
easat-3190	58	15	keyword	keyword	NOUN
easat-3190	58	16	"	"	PUNCT
easat-3190	58	17	peer	peer	NOUN
easat-3190	58	18	and	and	CCONJ
easat-3190	58	19	to	to	PART
easat-3190	58	20	and	and	CCONJ
easat-3190	58	21	peer	peer	VERB
easat-3190	58	22	and	and	CCONJ
easat-3190	58	23	lending	lending	NOUN
easat-3190	58	24	"	"	PUNCT
easat-3190	58	25	with	with	ADP
easat-3190	58	26	the	the	DET
easat-3190	58	27	publication	publication	NOUN
easat-3190	58	28	year	year	NOUN
easat-3190	58	29	of	of	ADP
easat-3190	58	30	2017	2017	NUM
easat-3190	58	31	-	-	SYM
easat-3190	58	32	2023	2023	NUM
easat-3190	58	33	.	.	PUNCT
easat-3190	59	1	all	all	DET
easat-3190	59	2	journal	journal	ADJ
easat-3190	59	3	articles	article	NOUN
easat-3190	59	4	belonging	belong	VERB
easat-3190	59	5	to	to	ADP
easat-3190	59	6	the	the	DET
easat-3190	59	7	economy	economy	NOUN
easat-3190	59	8	and	and	CCONJ
easat-3190	59	9	business	business	NOUN
easat-3190	59	10	categories	category	NOUN
easat-3190	59	11	were	be	AUX
easat-3190	59	12	included	include	VERB
easat-3190	59	13	in	in	ADP
easat-3190	59	14	this	this	DET
easat-3190	59	15	study	study	NOUN
easat-3190	59	16	.	.	PUNCT
easat-3190	60	1	the	the	DET
easat-3190	60	2	articles	article	NOUN
easat-3190	60	3	in	in	ADP
easat-3190	60	4	this	this	DET
easat-3190	60	5	study	study	NOUN
easat-3190	60	6	may	may	AUX
easat-3190	60	7	have	have	AUX
easat-3190	60	8	been	be	AUX
easat-3190	60	9	downloaded	download	VERB
easat-3190	60	10	due	due	ADP
easat-3190	60	11	to	to	ADP
easat-3190	60	12	accessibility	accessibility	NOUN
easat-3190	60	13	requirements	requirement	NOUN
easat-3190	60	14	.	.	PUNCT
easat-3190	61	1	in	in	ADP
easat-3190	61	2	addition	addition	NOUN
easat-3190	61	3	,	,	PUNCT
easat-3190	61	4	the	the	DET
easat-3190	61	5	articles	article	NOUN
easat-3190	61	6	are	be	AUX
easat-3190	61	7	written	write	VERB
easat-3190	61	8	in	in	ADP
easat-3190	61	9	english	english	PROPN
easat-3190	61	10	.	.	PUNCT
easat-3190	62	1	the	the	DET
easat-3190	62	2	quality	quality	NOUN
easat-3190	62	3	of	of	ADP
easat-3190	62	4	papers	paper	NOUN
easat-3190	62	5	is	be	AUX
easat-3190	62	6	evaluated	evaluate	VERB
easat-3190	62	7	using	use	VERB
easat-3190	62	8	scimago	scimago	PROPN
easat-3190	62	9	's	's	PART
easat-3190	62	10	journal	journal	NOUN
easat-3190	62	11	rankings	ranking	NOUN
easat-3190	62	12	,	,	PUNCT
easat-3190	62	13	with	with	ADP
easat-3190	62	14	non	non	ADJ
easat-3190	62	15	-	-	ADJ
easat-3190	62	16	indexed	indexed	ADJ
easat-3190	62	17	journals	journal	NOUN
easat-3190	62	18	excluded	exclude	VERB
easat-3190	62	19	.	.	PUNCT
easat-3190	63	1	in	in	ADP
easat-3190	63	2	addition	addition	NOUN
easat-3190	63	3	,	,	PUNCT
easat-3190	63	4	articles	article	NOUN
easat-3190	63	5	that	that	PRON
easat-3190	63	6	do	do	AUX
easat-3190	63	7	not	not	PART
easat-3190	63	8	directly	directly	ADV
easat-3190	63	9	relate	relate	VERB
easat-3190	63	10	to	to	ADP
easat-3190	63	11	the	the	DET
easat-3190	63	12	research	research	NOUN
easat-3190	63	13	subject	subject	NOUN
easat-3190	63	14	are	be	AUX
easat-3190	63	15	also	also	ADV
easat-3190	63	16	eliminated	eliminate	VERB
easat-3190	63	17	.	.	PUNCT
easat-3190	64	1	of	of	ADP
easat-3190	64	2	the	the	DET
easat-3190	64	3	initial	initial	ADJ
easat-3190	64	4	402	402	NUM
easat-3190	64	5	articles	article	NOUN
easat-3190	64	6	,	,	PUNCT
easat-3190	64	7	202	202	NUM
easat-3190	64	8	remain	remain	VERB
easat-3190	64	9	after	after	SCONJ
easat-3190	64	10	all	all	DET
easat-3190	64	11	criteria	criterion	NOUN
easat-3190	64	12	have	have	AUX
easat-3190	64	13	been	be	AUX
easat-3190	64	14	applied	apply	VERB
easat-3190	64	15	.	.	PUNCT
easat-3190	65	1	for	for	ADP
easat-3190	65	2	subsequent	subsequent	ADJ
easat-3190	65	3	analysis	analysis	NOUN
easat-3190	65	4	,	,	PUNCT
easat-3190	65	5	the	the	DET
easat-3190	65	6	data	datum	NOUN
easat-3190	65	7	were	be	AUX
easat-3190	65	8	recorded	record	VERB
easat-3190	65	9	in	in	ADP
easat-3190	65	10	a	a	DET
easat-3190	65	11	research	research	NOUN
easat-3190	65	12	information	information	NOUN
easat-3190	65	13	system	system	NOUN
easat-3190	65	14	(	(	PUNCT
easat-3190	65	15	ris	ris	PROPN
easat-3190	65	16	)	)	PUNCT
easat-3190	65	17	and	and	CCONJ
easat-3190	65	18	comma	comma	NOUN
easat-3190	65	19	-	-	PUNCT
easat-3190	65	20	separated	separate	VERB
easat-3190	65	21	values	value	NOUN
easat-3190	65	22	format	format	NOUN
easat-3190	65	23	(	(	PUNCT
easat-3190	65	24	csv	csv	NOUN
easat-3190	65	25	)	)	PUNCT
easat-3190	65	26	,	,	PUNCT
easat-3190	65	27	together	together	ADV
easat-3190	65	28	with	with	ADP
easat-3190	65	29	the	the	DET
easat-3190	65	30	required	required	ADJ
easat-3190	65	31	citations	citation	NOUN
easat-3190	65	32	and	and	CCONJ
easat-3190	65	33	bibliographic	bibliographic	ADJ
easat-3190	65	34	data	datum	NOUN
easat-3190	65	35	.	.	PUNCT
easat-3190	66	1	5338	5338	NUM
easat-3190	66	2	edelweiss	edelweiss	PROPN
easat-3190	66	3	applied	apply	VERB
easat-3190	66	4	science	science	NOUN
easat-3190	66	5	and	and	CCONJ
easat-3190	66	6	technology	technology	NOUN
easat-3190	66	7	issn	issn	PROPN
easat-3190	66	8	:	:	PUNCT
easat-3190	66	9	2576	2576	NUM
easat-3190	66	10	-	-	SYM
easat-3190	66	11	8484	8484	NUM
easat-3190	66	12	vol	vol	NOUN
easat-3190	66	13	.	.	PROPN
easat-3190	66	14	8	8	NUM
easat-3190	66	15	,	,	PUNCT
easat-3190	66	16	no	no	INTJ
easat-3190	66	17	.	.	NOUN
easat-3190	67	1	6	6	NUM
easat-3190	67	2	:	:	SYM
easat-3190	67	3	5336	5336	NUM
easat-3190	67	4	-	-	SYM
easat-3190	67	5	5348	5348	NUM
easat-3190	67	6	,	,	PUNCT
easat-3190	67	7	2024	2024	NUM
easat-3190	67	8	doi	doi	NOUN
easat-3190	67	9	:	:	PUNCT
easat-3190	67	10	10.55214/25768484.v8i6.3190	10.55214/25768484.v8i6.3190	NUM
easat-3190	67	11	©	©	ADP
easat-3190	67	12	2024	2024	NUM
easat-3190	67	13	by	by	ADP
easat-3190	67	14	the	the	DET
easat-3190	67	15	authors	author	NOUN
easat-3190	67	16	;	;	PUNCT
easat-3190	67	17	licensee	licensee	PROPN
easat-3190	67	18	learning	learn	VERB
easat-3190	67	19	gate	gate	NOUN
easat-3190	67	20	table	table	NOUN
easat-3190	67	21	1	1	NUM
easat-3190	67	22	.	.	X
easat-3190	67	23	methodology	methodology	NOUN
easat-3190	67	24	for	for	ADP
easat-3190	67	25	searching	search	VERB
easat-3190	67	26	references	reference	NOUN
easat-3190	67	27	.	.	PUNCT
easat-3190	68	1	search	search	NOUN
easat-3190	68	2	terms	term	NOUN
easat-3190	68	3	“	"	PUNCT
easat-3190	68	4	peer	peer	NOUN
easat-3190	68	5	-	-	PUNCT
easat-3190	68	6	to	to	ADP
easat-3190	68	7	-	-	PUNCT
easat-3190	68	8	peer	peer	NOUN
easat-3190	68	9	lending	lending	NOUN
easat-3190	68	10	”	"	PUNCT
easat-3190	68	11	search	search	NOUN
easat-3190	68	12	filed	file	VERB
easat-3190	68	13	article	article	NOUN
easat-3190	68	14	title	title	NOUN
easat-3190	68	15	,	,	PUNCT
easat-3190	68	16	abstract	abstract	ADJ
easat-3190	68	17	,	,	PUNCT
easat-3190	68	18	keywords	keyword	VERB
easat-3190	68	19	query	query	NOUN
easat-3190	68	20	string	string	NOUN
easat-3190	68	21	(	(	PUNCT
easat-3190	68	22	peer	peer	NOUN
easat-3190	68	23	and	and	CCONJ
easat-3190	68	24	to	to	PART
easat-3190	68	25	and	and	CCONJ
easat-3190	68	26	peer	peer	VERB
easat-3190	68	27	and	and	CCONJ
easat-3190	68	28	lending	lending	NOUN
easat-3190	68	29	)	)	PUNCT
easat-3190	68	30	and	and	CCONJ
easat-3190	68	31	(	(	PUNCT
easat-3190	68	32	limit	limit	NOUN
easat-3190	68	33	-	-	PUNCT
easat-3190	68	34	to	to	PART
easat-3190	68	35	(	(	PUNCT
easat-3190	68	36	subjarea	subjarea	X
easat-3190	68	37	,	,	PUNCT
easat-3190	68	38	"	"	PUNCT
easat-3190	68	39	econ	econ	X
easat-3190	68	40	"	"	PUNCT
easat-3190	68	41	)	)	PUNCT
easat-3190	68	42	or	or	CCONJ
easat-3190	68	43	limit	limit	NOUN
easat-3190	68	44	-	-	PUNCT
easat-3190	68	45	to	to	PART
easat-3190	68	46	(	(	PUNCT
easat-3190	68	47	subjarea	subjarea	PROPN
easat-3190	68	48	,	,	PUNCT
easat-3190	68	49	"	"	PUNCT
easat-3190	68	50	busi	busi	NOUN
easat-3190	68	51	"	"	PUNCT
easat-3190	68	52	)	)	PUNCT
easat-3190	68	53	)	)	PUNCT
easat-3190	68	54	and	and	CCONJ
easat-3190	68	55	(	(	PUNCT
easat-3190	68	56	limit	limit	VERB
easat-3190	68	57	-	-	PUNCT
easat-3190	68	58	to	to	ADP
easat-3190	68	59	(	(	PUNCT
easat-3190	68	60	doctype	doctype	NOUN
easat-3190	68	61	,	,	PUNCT
easat-3190	68	62	"	"	PUNCT
easat-3190	68	63	ar	ar	NOUN
easat-3190	68	64	"	"	PUNCT
easat-3190	68	65	)	)	PUNCT
easat-3190	68	66	)	)	PUNCT
easat-3190	69	1	and	and	CCONJ
easat-3190	69	2	(	(	PUNCT
easat-3190	69	3	limit	limit	VERB
easat-3190	69	4	-	-	PUNCT
easat-3190	69	5	to	to	PART
easat-3190	69	6	(	(	PUNCT
easat-3190	69	7	language	language	NOUN
easat-3190	69	8	,	,	PUNCT
easat-3190	69	9	"	"	PUNCT
easat-3190	69	10	english	english	PROPN
easat-3190	69	11	"	"	PUNCT
easat-3190	69	12	)	)	PUNCT
easat-3190	69	13	)	)	PUNCT
easat-3190	69	14	and	and	CCONJ
easat-3190	69	15	(	(	PUNCT
easat-3190	69	16	limit	limit	VERB
easat-3190	69	17	-	-	PUNCT
easat-3190	69	18	to	to	PART
easat-3190	69	19	(	(	PUNCT
easat-3190	69	20	exactkeyword	exactkeyword	VERB
easat-3190	69	21	,	,	PUNCT
easat-3190	69	22	"	"	PUNCT
easat-3190	69	23	peer	peer	NOUN
easat-3190	69	24	-	-	PUNCT
easat-3190	69	25	to	to	ADP
easat-3190	69	26	-	-	PUNCT
easat-3190	69	27	peer	peer	NOUN
easat-3190	69	28	lending	lending	NOUN
easat-3190	69	29	"	"	PUNCT
easat-3190	69	30	)	)	PUNCT
easat-3190	69	31	or	or	CCONJ
easat-3190	69	32	limitto	limitto	ADJ
easat-3190	69	33	(	(	PUNCT
easat-3190	69	34	exactkeyword	exactkeyword	NOUN
easat-3190	69	35	,	,	PUNCT
easat-3190	69	36	"	"	PUNCT
easat-3190	69	37	p2p	p2p	NOUN
easat-3190	69	38	lending	lending	NOUN
easat-3190	69	39	"	"	PUNCT
easat-3190	69	40	)	)	PUNCT
easat-3190	69	41	)	)	PUNCT
easat-3190	70	1	and	and	CCONJ
easat-3190	70	2	(	(	PUNCT
easat-3190	70	3	limit	limit	VERB
easat-3190	70	4	-	-	PUNCT
easat-3190	70	5	to	to	ADP
easat-3190	70	6	(	(	PUNCT
easat-3190	70	7	srctype	srctype	NOUN
easat-3190	70	8	,	,	PUNCT
easat-3190	70	9	"	"	PUNCT
easat-3190	70	10	j	j	NOUN
easat-3190	70	11	"	"	PUNCT
easat-3190	70	12	)	)	PUNCT
easat-3190	70	13	)	)	PUNCT
easat-3190	71	1	and	and	CCONJ
easat-3190	71	2	(	(	PUNCT
easat-3190	71	3	limit	limit	VERB
easat-3190	71	4	-	-	PUNCT
easat-3190	71	5	to	to	ADP
easat-3190	71	6	(	(	PUNCT
easat-3190	71	7	pubstage	pubstage	NOUN
easat-3190	71	8	,	,	PUNCT
easat-3190	71	9	"	"	PUNCT
easat-3190	71	10	final	final	ADJ
easat-3190	71	11	"	"	PUNCT
easat-3190	71	12	)	)	PUNCT
easat-3190	71	13	)	)	PUNCT
easat-3190	71	14	period	period	NOUN
easat-3190	71	15	time	time	NOUN
easat-3190	71	16	2017	2017	NUM
easat-3190	71	17	-	-	SYM
easat-3190	71	18	2023	2023	NUM
easat-3190	71	19	document	document	NOUN
easat-3190	71	20	type	type	NOUN
easat-3190	71	21	journal	journal	NOUN
easat-3190	71	22	article	article	NOUN
easat-3190	71	23	language	language	NOUN
easat-3190	71	24	english	english	PROPN
easat-3190	71	25	keyword	keyword	PROPN
easat-3190	71	26	p2p	p2p	PROPN
easat-3190	71	27	lending	lending	NOUN
easat-3190	71	28	,	,	PUNCT
easat-3190	71	29	peer	peer	NOUN
easat-3190	71	30	-	-	PUNCT
easat-3190	71	31	to	to	ADP
easat-3190	71	32	-	-	PUNCT
easat-3190	71	33	peer	peer	NOUN
easat-3190	71	34	lending	lending	NOUN
easat-3190	71	35	all	all	DET
easat-3190	71	36	selected	select	VERB
easat-3190	71	37	articles	article	NOUN
easat-3190	71	38	are	be	AUX
easat-3190	71	39	manually	manually	ADV
easat-3190	71	40	read	read	VERB
easat-3190	71	41	and	and	CCONJ
easat-3190	71	42	coded	code	VERB
easat-3190	71	43	to	to	PART
easat-3190	71	44	get	get	VERB
easat-3190	71	45	some	some	DET
easat-3190	71	46	identifiable	identifiable	ADJ
easat-3190	71	47	information	information	NOUN
easat-3190	71	48	from	from	ADP
easat-3190	71	49	each	each	DET
easat-3190	71	50	article	article	NOUN
easat-3190	71	51	.	.	PUNCT
easat-3190	72	1	the	the	DET
easat-3190	72	2	information	information	NOUN
easat-3190	72	3	includes	include	VERB
easat-3190	72	4	country	country	NOUN
easat-3190	72	5	setting	setting	NOUN
easat-3190	72	6	,	,	PUNCT
easat-3190	72	7	journal	journal	NOUN
easat-3190	72	8	quality	quality	NOUN
easat-3190	72	9	,	,	PUNCT
easat-3190	72	10	research	research	NOUN
easat-3190	72	11	method	method	NOUN
easat-3190	72	12	,	,	PUNCT
easat-3190	72	13	theories	theory	NOUN
easat-3190	72	14	applied	apply	VERB
easat-3190	72	15	in	in	ADP
easat-3190	72	16	research	research	NOUN
easat-3190	72	17	,	,	PUNCT
easat-3190	72	18	and	and	CCONJ
easat-3190	72	19	research	research	NOUN
easat-3190	72	20	findings	finding	NOUN
easat-3190	72	21	.	.	PUNCT
easat-3190	73	1	the	the	DET
easat-3190	73	2	reported	report	VERB
easat-3190	73	3	results	result	NOUN
easat-3190	73	4	are	be	AUX
easat-3190	73	5	discussed	discuss	VERB
easat-3190	73	6	based	base	VERB
easat-3190	73	7	on	on	ADP
easat-3190	73	8	theme	theme	NOUN
easat-3190	73	9	clusters	cluster	NOUN
easat-3190	73	10	using	use	VERB
easat-3190	73	11	bibliometric	bibliometric	ADJ
easat-3190	73	12	analysis	analysis	NOUN
easat-3190	73	13	to	to	PART
easat-3190	73	14	classify	classify	VERB
easat-3190	73	15	articles	article	NOUN
easat-3190	73	16	based	base	VERB
easat-3190	73	17	on	on	ADP
easat-3190	73	18	the	the	DET
easat-3190	73	19	similarity	similarity	NOUN
easat-3190	73	20	of	of	ADP
easat-3190	73	21	the	the	DET
easat-3190	73	22	authors	author	NOUN
easat-3190	73	23	'	'	PART
easat-3190	73	24	keywords	keyword	NOUN
easat-3190	73	25	.	.	PUNCT
easat-3190	74	1	bibliometric	bibliometric	ADJ
easat-3190	74	2	is	be	AUX
easat-3190	74	3	a	a	DET
easat-3190	74	4	potent	potent	ADJ
easat-3190	74	5	instrument	instrument	NOUN
easat-3190	74	6	for	for	ADP
easat-3190	74	7	finding	find	VERB
easat-3190	74	8	and	and	CCONJ
easat-3190	74	9	managing	manage	VERB
easat-3190	74	10	information	information	NOUN
easat-3190	74	11	,	,	PUNCT
easat-3190	74	12	and	and	CCONJ
easat-3190	74	13	it	it	PRON
easat-3190	74	14	offers	offer	VERB
easat-3190	74	15	insightful	insightful	ADJ
easat-3190	74	16	analytical	analytical	ADJ
easat-3190	74	17	outcomes	outcome	NOUN
easat-3190	74	18	across	across	ADP
easat-3190	74	19	a	a	DET
easat-3190	74	20	range	range	NOUN
easat-3190	74	21	of	of	ADP
easat-3190	74	22	disciplines(liu	disciplines(liu	NOUN
easat-3190	74	23	et	et	PROPN
easat-3190	74	24	al	al	PROPN
easat-3190	74	25	.	.	PROPN
easat-3190	74	26	,	,	PUNCT
easat-3190	74	27	2020a	2020a	NUM
easat-3190	74	28	)	)	PUNCT
easat-3190	74	29	.	.	PUNCT
easat-3190	75	1	this	this	DET
easat-3190	75	2	bibliometric	bibliometric	ADJ
easat-3190	75	3	analysis	analysis	NOUN
easat-3190	75	4	was	be	AUX
easat-3190	75	5	performed	perform	VERB
easat-3190	75	6	using	use	VERB
easat-3190	75	7	vosviewer	vosviewer	NOUN
easat-3190	75	8	software	software	NOUN
easat-3190	75	9	.	.	PUNCT
easat-3190	76	1	this	this	DET
easat-3190	76	2	tool	tool	NOUN
easat-3190	76	3	provides	provide	VERB
easat-3190	76	4	mapping	mapping	NOUN
easat-3190	76	5	-	-	PUNCT
easat-3190	76	6	based	base	VERB
easat-3190	76	7	visualizations	visualization	NOUN
easat-3190	76	8	of	of	ADP
easat-3190	76	9	bibliometric	bibliometric	ADJ
easat-3190	76	10	networks	network	NOUN
easat-3190	76	11	,	,	PUNCT
easat-3190	76	12	where	where	SCONJ
easat-3190	76	13	the	the	DET
easat-3190	76	14	distance	distance	NOUN
easat-3190	76	15	between	between	ADP
easat-3190	76	16	any	any	DET
easat-3190	76	17	two	two	NUM
easat-3190	76	18	nodes	node	NOUN
easat-3190	76	19	indicates	indicate	VERB
easat-3190	76	20	how	how	SCONJ
easat-3190	76	21	closely	closely	ADV
easat-3190	76	22	they	they	PRON
easat-3190	76	23	are	be	AUX
easat-3190	76	24	related	relate	VERB
easat-3190	76	25	(	(	PUNCT
easat-3190	76	26	sustach	sustach	NOUN
easat-3190	76	27	et	et	PROPN
easat-3190	76	28	al	al	PROPN
easat-3190	76	29	.	.	PROPN
easat-3190	76	30	,	,	PUNCT
easat-3190	76	31	2022	2022	NUM
easat-3190	76	32	)	)	PUNCT
easat-3190	76	33	.	.	PUNCT
easat-3190	77	1	3	3	X
easat-3190	77	2	.	.	NOUN
easat-3190	77	3	results	result	NOUN
easat-3190	77	4	and	and	CCONJ
easat-3190	77	5	discussion	discussion	NOUN
easat-3190	77	6	3.1	3.1	NUM
easat-3190	77	7	.	.	PUNCT
easat-3190	78	1	evolution	evolution	NOUN
easat-3190	78	2	of	of	ADP
easat-3190	78	3	the	the	DET
easat-3190	78	4	literature	literature	NOUN
easat-3190	78	5	figure	figure	NOUN
easat-3190	78	6	1	1	NUM
easat-3190	78	7	depicts	depict	VERB
easat-3190	78	8	the	the	DET
easat-3190	78	9	annual	annual	ADJ
easat-3190	78	10	frequency	frequency	NOUN
easat-3190	78	11	of	of	ADP
easat-3190	78	12	publications	publication	NOUN
easat-3190	78	13	spanning	span	VERB
easat-3190	78	14	seven	seven	NUM
easat-3190	78	15	years	year	NOUN
easat-3190	78	16	from	from	ADP
easat-3190	78	17	2017	2017	NUM
easat-3190	78	18	to	to	ADP
easat-3190	78	19	2023	2023	NUM
easat-3190	78	20	.	.	PUNCT
easat-3190	79	1	during	during	ADP
easat-3190	79	2	the	the	DET
easat-3190	79	3	initial	initial	ADJ
easat-3190	79	4	three	three	NUM
easat-3190	79	5	years	year	NOUN
easat-3190	79	6	(	(	PUNCT
easat-3190	79	7	2017	2017	NUM
easat-3190	79	8	-	-	SYM
easat-3190	79	9	2019	2019	NUM
easat-3190	79	10	)	)	PUNCT
easat-3190	79	11	,	,	PUNCT
easat-3190	79	12	the	the	DET
easat-3190	79	13	number	number	NOUN
easat-3190	79	14	of	of	ADP
easat-3190	79	15	articles	article	NOUN
easat-3190	79	16	addressing	address	VERB
easat-3190	79	17	the	the	DET
easat-3190	79	18	topic	topic	NOUN
easat-3190	79	19	of	of	ADP
easat-3190	79	20	p2p	p2p	NOUN
easat-3190	79	21	lending	lending	NOUN
easat-3190	79	22	remained	remain	VERB
easat-3190	79	23	relatively	relatively	ADV
easat-3190	79	24	low	low	ADJ
easat-3190	79	25	,	,	PUNCT
easat-3190	79	26	with	with	ADP
easat-3190	79	27	13	13	NUM
easat-3190	79	28	articles	article	NOUN
easat-3190	79	29	in	in	ADP
easat-3190	79	30	2017	2017	NUM
easat-3190	79	31	,	,	PUNCT
easat-3190	79	32	19	19	NUM
easat-3190	79	33	articles	article	NOUN
easat-3190	79	34	in	in	ADP
easat-3190	79	35	2018	2018	NUM
easat-3190	79	36	,	,	PUNCT
easat-3190	79	37	and	and	CCONJ
easat-3190	79	38	21	21	NUM
easat-3190	79	39	articles	article	NOUN
easat-3190	79	40	in	in	ADP
easat-3190	79	41	2019	2019	NUM
easat-3190	79	42	.	.	PUNCT
easat-3190	80	1	however	however	ADV
easat-3190	80	2	,	,	PUNCT
easat-3190	80	3	a	a	DET
easat-3190	80	4	notable	notable	ADJ
easat-3190	80	5	surge	surge	NOUN
easat-3190	80	6	occurred	occur	VERB
easat-3190	80	7	in	in	ADP
easat-3190	80	8	2020	2020	NUM
easat-3190	80	9	,	,	PUNCT
easat-3190	80	10	with	with	ADP
easat-3190	80	11	the	the	DET
easat-3190	80	12	publication	publication	NOUN
easat-3190	80	13	count	count	NOUN
easat-3190	80	14	reaching	reach	VERB
easat-3190	80	15	42	42	NUM
easat-3190	80	16	articles	article	NOUN
easat-3190	80	17	,	,	PUNCT
easat-3190	80	18	followed	follow	VERB
easat-3190	80	19	by	by	ADP
easat-3190	80	20	a	a	DET
easat-3190	80	21	slight	slight	ADJ
easat-3190	80	22	increase	increase	NOUN
easat-3190	80	23	to	to	ADP
easat-3190	80	24	43	43	NUM
easat-3190	80	25	articles	article	NOUN
easat-3190	80	26	in	in	ADP
easat-3190	80	27	2021	2021	NUM
easat-3190	80	28	.	.	PUNCT
easat-3190	81	1	subsequently	subsequently	ADV
easat-3190	81	2	,	,	PUNCT
easat-3190	81	3	in	in	ADP
easat-3190	81	4	2022	2022	NUM
easat-3190	81	5	,	,	PUNCT
easat-3190	81	6	there	there	PRON
easat-3190	81	7	was	be	VERB
easat-3190	81	8	a	a	DET
easat-3190	81	9	decline	decline	NOUN
easat-3190	81	10	to	to	ADP
easat-3190	81	11	29	29	NUM
easat-3190	81	12	articles	article	NOUN
easat-3190	81	13	,	,	PUNCT
easat-3190	81	14	which	which	PRON
easat-3190	81	15	then	then	ADV
easat-3190	81	16	saw	see	VERB
easat-3190	81	17	a	a	DET
easat-3190	81	18	marginal	marginal	ADJ
easat-3190	81	19	rise	rise	NOUN
easat-3190	81	20	to	to	ADP
easat-3190	81	21	35	35	NUM
easat-3190	81	22	articles	article	NOUN
easat-3190	81	23	in	in	ADP
easat-3190	81	24	2023	2023	NUM
easat-3190	81	25	.	.	PUNCT
easat-3190	82	1	figure	figure	NOUN
easat-3190	82	2	1	1	NUM
easat-3190	82	3	.	.	PUNCT
easat-3190	82	4	frequency	frequency	NOUN
easat-3190	82	5	distribution	distribution	NOUN
easat-3190	82	6	of	of	ADP
easat-3190	82	7	publication	publication	NOUN
easat-3190	82	8	article	article	NOUN
easat-3190	82	9	by	by	ADP
easat-3190	82	10	year	year	NOUN
easat-3190	82	11	.	.	PUNCT
easat-3190	83	1	5339	5339	NUM
easat-3190	83	2	edelweiss	edelweiss	PROPN
easat-3190	83	3	applied	apply	VERB
easat-3190	83	4	science	science	NOUN
easat-3190	83	5	and	and	CCONJ
easat-3190	83	6	technology	technology	NOUN
easat-3190	83	7	issn	issn	PROPN
easat-3190	83	8	:	:	PUNCT
easat-3190	83	9	2576	2576	NUM
easat-3190	83	10	-	-	SYM
easat-3190	83	11	8484	8484	NUM
easat-3190	83	12	vol	vol	NOUN
easat-3190	83	13	.	.	PROPN
easat-3190	83	14	8	8	NUM
easat-3190	83	15	,	,	PUNCT
easat-3190	83	16	no	no	INTJ
easat-3190	83	17	.	.	NOUN
easat-3190	84	1	6	6	NUM
easat-3190	84	2	:	:	SYM
easat-3190	84	3	5336	5336	NUM
easat-3190	84	4	-	-	SYM
easat-3190	84	5	5348	5348	NUM
easat-3190	84	6	,	,	PUNCT
easat-3190	84	7	2024	2024	NUM
easat-3190	84	8	doi	doi	NOUN
easat-3190	84	9	:	:	PUNCT
easat-3190	84	10	10.55214/25768484.v8i6.3190	10.55214/25768484.v8i6.3190	NUM
easat-3190	84	11	©	©	ADP
easat-3190	84	12	2024	2024	NUM
easat-3190	84	13	by	by	ADP
easat-3190	84	14	the	the	DET
easat-3190	84	15	authors	author	NOUN
easat-3190	84	16	;	;	PUNCT
easat-3190	84	17	licensee	licensee	PROPN
easat-3190	84	18	learning	learning	NOUN
easat-3190	84	19	gate	gate	NOUN
easat-3190	84	20	3.2	3.2	NUM
easat-3190	84	21	.	.	PUNCT
easat-3190	85	1	top	top	ADJ
easat-3190	85	2	10	10	NUM
easat-3190	85	3	most	most	ADV
easat-3190	85	4	cited	cite	VERB
easat-3190	85	5	articles	article	NOUN
easat-3190	85	6	table	table	NOUN
easat-3190	85	7	5	5	NUM
easat-3190	85	8	shows	show	VERB
easat-3190	85	9	the	the	DET
easat-3190	85	10	top	top	ADJ
easat-3190	85	11	10	10	NUM
easat-3190	85	12	citations	citation	NOUN
easat-3190	85	13	in	in	ADP
easat-3190	85	14	p2p	p2p	NOUN
easat-3190	85	15	research	research	NOUN
easat-3190	85	16	out	out	ADP
easat-3190	85	17	of	of	ADP
easat-3190	85	18	202	202	NUM
easat-3190	85	19	articles	article	NOUN
easat-3190	85	20	reviewed	review	VERB
easat-3190	85	21	.	.	PUNCT
easat-3190	86	1	the	the	DET
easat-3190	86	2	most	most	ADV
easat-3190	86	3	cited	cite	VERB
easat-3190	86	4	article	article	NOUN
easat-3190	86	5	is	be	AUX
easat-3190	86	6	“	"	PUNCT
easat-3190	86	7	do	do	AUX
easat-3190	86	8	fintech	fintech	NOUN
easat-3190	86	9	lenders	lender	NOUN
easat-3190	86	10	penetrate	penetrate	VERB
easat-3190	86	11	areas	area	NOUN
easat-3190	86	12	that	that	PRON
easat-3190	86	13	are	be	AUX
easat-3190	86	14	underserved	underserved	ADJ
easat-3190	86	15	by	by	ADP
easat-3190	86	16	traditional	traditional	ADJ
easat-3190	86	17	banks	bank	NOUN
easat-3190	86	18	?	?	PUNCT
easat-3190	86	19	”	"	PUNCT
easat-3190	86	20	table	table	NOUN
easat-3190	86	21	2	2	NUM
easat-3190	86	22	.	.	PUNCT
easat-3190	86	23	top	top	ADJ
easat-3190	86	24	10	10	NUM
easat-3190	86	25	most	most	ADV
easat-3190	86	26	cited	cite	VERB
easat-3190	86	27	articles	article	NOUN
easat-3190	86	28	.	.	PUNCT
easat-3190	87	1	no	no	INTJ
easat-3190	87	2	.	.	PUNCT
easat-3190	88	1	author	author	NOUN
easat-3190	88	2	title	title	PROPN
easat-3190	88	3	year	year	PROPN
easat-3190	88	4	total	total	NOUN
easat-3190	88	5	citation	citation	NOUN
easat-3190	88	6	(	(	PUNCT
easat-3190	88	7	n	n	CCONJ
easat-3190	88	8	)	)	PUNCT
easat-3190	88	9	journal	journal	NOUN
easat-3190	88	10	sjr	sjr	PROPN
easat-3190	88	11	rank	rank	NOUN
easat-3190	88	12	1	1	NUM
easat-3190	88	13	(	(	PUNCT
easat-3190	88	14	jagtiani	jagtiani	PROPN
easat-3190	88	15	&	&	CCONJ
easat-3190	88	16	lemieux	lemieux	PROPN
easat-3190	88	17	,	,	PUNCT
easat-3190	88	18	2018	2018	NUM
easat-3190	88	19	)	)	PUNCT
easat-3190	88	20	do	do	AUX
easat-3190	88	21	fintech	fintech	NOUN
easat-3190	88	22	lenders	lender	NOUN
easat-3190	88	23	penetrate	penetrate	VERB
easat-3190	88	24	areas	area	NOUN
easat-3190	88	25	that	that	PRON
easat-3190	88	26	are	be	AUX
easat-3190	88	27	underserved	underserved	ADJ
easat-3190	88	28	by	by	ADP
easat-3190	88	29	traditional	traditional	ADJ
easat-3190	88	30	banks	bank	NOUN
easat-3190	88	31	?	?	PUNCT
easat-3190	89	1	2018	2018	NUM
easat-3190	89	2	188	188	NUM
easat-3190	89	3	journal	journal	NOUN
easat-3190	89	4	of	of	ADP
easat-3190	89	5	economics	economic	NOUN
easat-3190	89	6	and	and	CCONJ
easat-3190	89	7	business	business	NOUN
easat-3190	89	8	q2	q2	NOUN
easat-3190	89	9	2	2	NUM
easat-3190	89	10	(	(	PUNCT
easat-3190	89	11	wei	wei	PROPN
easat-3190	89	12	&	&	CCONJ
easat-3190	89	13	lin	lin	PROPN
easat-3190	89	14	,	,	PUNCT
easat-3190	89	15	2017	2017	NUM
easat-3190	89	16	)	)	PUNCT
easat-3190	89	17	market	market	NOUN
easat-3190	89	18	mechanisms	mechanism	NOUN
easat-3190	89	19	in	in	ADP
easat-3190	89	20	online	online	ADJ
easat-3190	89	21	peer	peer	NOUN
easat-3190	89	22	-	-	PUNCT
easat-3190	89	23	to	to	ADP
easat-3190	89	24	-	-	PUNCT
easat-3190	89	25	peer	peer	NOUN
easat-3190	89	26	lending	lending	NOUN
easat-3190	89	27	2017	2017	NUM
easat-3190	89	28	166	166	NUM
easat-3190	89	29	management	management	NOUN
easat-3190	89	30	science	science	NOUN
easat-3190	89	31	q1	q1	PROPN
easat-3190	89	32	3	3	NUM
easat-3190	89	33	(	(	PUNCT
easat-3190	89	34	ge	ge	PROPN
easat-3190	89	35	et	et	PROPN
easat-3190	89	36	al	al	PROPN
easat-3190	89	37	.	.	PROPN
easat-3190	89	38	,	,	PUNCT
easat-3190	89	39	2017	2017	NUM
easat-3190	89	40	)	)	PUNCT
easat-3190	89	41	predicting	predict	VERB
easat-3190	89	42	and	and	CCONJ
easat-3190	89	43	deterring	deter	VERB
easat-3190	89	44	default	default	NOUN
easat-3190	89	45	with	with	ADP
easat-3190	89	46	social	social	ADJ
easat-3190	89	47	media	medium	NOUN
easat-3190	89	48	information	information	NOUN
easat-3190	89	49	in	in	ADP
easat-3190	89	50	peer	peer	NOUN
easat-3190	89	51	-	-	PUNCT
easat-3190	89	52	to	to	ADP
easat-3190	89	53	-	-	PUNCT
easat-3190	89	54	peer	peer	NOUN
easat-3190	89	55	lending	lending	NOUN
easat-3190	89	56	2017	2017	NUM
easat-3190	89	57	148	148	NUM
easat-3190	89	58	journal	journal	NOUN
easat-3190	89	59	of	of	ADP
easat-3190	89	60	management	management	NOUN
easat-3190	89	61	information	information	NOUN
easat-3190	89	62	systems	systems	PROPN
easat-3190	89	63	q1	q1	PROPN
easat-3190	89	64	4	4	NUM
easat-3190	89	65	(	(	PUNCT
easat-3190	89	66	xia	xia	PROPN
easat-3190	89	67	et	et	PROPN
easat-3190	89	68	al	al	PROPN
easat-3190	89	69	.	.	PROPN
easat-3190	89	70	,	,	PUNCT
easat-3190	89	71	2017	2017	NUM
easat-3190	89	72	)	)	PUNCT
easat-3190	89	73	cost	cost	NOUN
easat-3190	89	74	-	-	PUNCT
easat-3190	89	75	sensitive	sensitive	ADJ
easat-3190	89	76	boosted	boost	VERB
easat-3190	89	77	tree	tree	NOUN
easat-3190	89	78	for	for	ADP
easat-3190	89	79	loan	loan	NOUN
easat-3190	89	80	evaluation	evaluation	NOUN
easat-3190	89	81	in	in	ADP
easat-3190	89	82	peer	peer	NOUN
easat-3190	89	83	-	-	PUNCT
easat-3190	89	84	to	to	ADP
easat-3190	89	85	-	-	PUNCT
easat-3190	89	86	peer	peer	NOUN
easat-3190	89	87	lending	lending	NOUN
easat-3190	89	88	2017	2017	NUM
easat-3190	89	89	138	138	NUM
easat-3190	89	90	electronic	electronic	ADJ
easat-3190	89	91	commerce	commerce	NOUN
easat-3190	89	92	research	research	NOUN
easat-3190	89	93	and	and	CCONJ
easat-3190	89	94	applications	application	NOUN
easat-3190	89	95	q1	q1	PROPN
easat-3190	89	96	5	5	NUM
easat-3190	89	97	(	(	PUNCT
easat-3190	89	98	freedman	freedman	PROPN
easat-3190	89	99	&	&	CCONJ
easat-3190	89	100	jin	jin	PROPN
easat-3190	89	101	,	,	PUNCT
easat-3190	89	102	2017	2017	NUM
easat-3190	89	103	)	)	PUNCT
easat-3190	89	104	the	the	DET
easat-3190	89	105	information	information	NOUN
easat-3190	89	106	value	value	NOUN
easat-3190	89	107	of	of	ADP
easat-3190	89	108	online	online	ADJ
easat-3190	89	109	social	social	ADJ
easat-3190	89	110	networks	network	NOUN
easat-3190	89	111	:	:	PUNCT
easat-3190	89	112	lessons	lesson	NOUN
easat-3190	89	113	from	from	ADP
easat-3190	89	114	peer	peer	NOUN
easat-3190	89	115	-	-	PUNCT
easat-3190	89	116	to	to	ADP
easat-3190	89	117	-	-	PUNCT
easat-3190	89	118	peer	peer	NOUN
easat-3190	89	119	lending	lending	NOUN
easat-3190	89	120	2017	2017	NUM
easat-3190	89	121	137	137	NUM
easat-3190	89	122	international	international	ADJ
easat-3190	89	123	journal	journal	NOUN
easat-3190	89	124	of	of	ADP
easat-3190	89	125	industrial	industrial	PROPN
easat-3190	89	126	organization	organization	NOUN
easat-3190	89	127	q1	q1	PROPN
easat-3190	89	128	6	6	NUM
easat-3190	89	129	(	(	PUNCT
easat-3190	89	130	jagtiani	jagtiani	PROPN
easat-3190	89	131	&	&	CCONJ
easat-3190	89	132	lemieux	lemieux	PROPN
easat-3190	89	133	,	,	PUNCT
easat-3190	89	134	2019b	2019b	NUM
easat-3190	89	135	)	)	PUNCT
easat-3190	89	136	the	the	DET
easat-3190	89	137	roles	role	NOUN
easat-3190	89	138	of	of	ADP
easat-3190	89	139	alternative	alternative	ADJ
easat-3190	89	140	data	datum	NOUN
easat-3190	89	141	and	and	CCONJ
easat-3190	89	142	machine	machine	NOUN
easat-3190	89	143	learning	learning	NOUN
easat-3190	89	144	in	in	ADP
easat-3190	89	145	fintech	fintech	NOUN
easat-3190	89	146	lending	lending	NOUN
easat-3190	89	147	:	:	PUNCT
easat-3190	89	148	evidence	evidence	NOUN
easat-3190	89	149	from	from	ADP
easat-3190	89	150	the	the	DET
easat-3190	89	151	lendingclub	lendingclub	NOUN
easat-3190	89	152	consumer	consumer	NOUN
easat-3190	89	153	platform	platform	NOUN
easat-3190	89	154	2019	2019	NUM
easat-3190	89	155	114	114	NUM
easat-3190	89	156	financial	financial	ADJ
easat-3190	89	157	management	management	NOUN
easat-3190	89	158	q1	q1	PROPN
easat-3190	89	159	7	7	NUM
easat-3190	89	160	(	(	PUNCT
easat-3190	89	161	lin	lin	PROPN
easat-3190	89	162	et	et	PROPN
easat-3190	89	163	al	al	PROPN
easat-3190	89	164	.	.	PROPN
easat-3190	89	165	,	,	PUNCT
easat-3190	89	166	2017	2017	NUM
easat-3190	89	167	)	)	PUNCT
easat-3190	89	168	evaluating	evaluate	VERB
easat-3190	89	169	borrower	borrower	NOUN
easat-3190	89	170	’s	’s	PART
easat-3190	89	171	default	default	NOUN
easat-3190	89	172	risk	risk	NOUN
easat-3190	89	173	in	in	ADP
easat-3190	89	174	peer	peer	NOUN
easat-3190	89	175	-	-	PUNCT
easat-3190	89	176	to	to	ADP
easat-3190	89	177	-	-	PUNCT
easat-3190	89	178	peer	peer	NOUN
easat-3190	89	179	lending	lending	NOUN
easat-3190	89	180	:	:	PUNCT
easat-3190	89	181	evidence	evidence	NOUN
easat-3190	89	182	from	from	ADP
easat-3190	89	183	a	a	DET
easat-3190	89	184	lending	lending	NOUN
easat-3190	89	185	platform	platform	NOUN
easat-3190	89	186	in	in	ADP
easat-3190	89	187	china	china	PROPN
easat-3190	89	188	2017	2017	NUM
easat-3190	89	189	102	102	NUM
easat-3190	89	190	applied	apply	VERB
easat-3190	89	191	economics	economic	NOUN
easat-3190	89	192	q2	q2	NOUN
easat-3190	89	193	8	8	NUM
easat-3190	89	194	(	(	PUNCT
easat-3190	89	195	liu	liu	PROPN
easat-3190	89	196	et	et	PROPN
easat-3190	89	197	al	al	PROPN
easat-3190	89	198	.	.	PROPN
easat-3190	89	199	,	,	PUNCT
easat-3190	89	200	2020b	2020b	NUM
easat-3190	89	201	)	)	PUNCT
easat-3190	89	202	what	what	PRON
easat-3190	89	203	have	have	AUX
easat-3190	89	204	we	we	PRON
easat-3190	89	205	learnt	learn	VERB
easat-3190	89	206	from	from	ADP
easat-3190	89	207	10	10	NUM
easat-3190	89	208	years	year	NOUN
easat-3190	89	209	of	of	ADP
easat-3190	89	210	fintech	fintech	NOUN
easat-3190	89	211	research	research	NOUN
easat-3190	89	212	?	?	PUNCT
easat-3190	90	1	a	a	DET
easat-3190	90	2	scientometric	scientometric	ADJ
easat-3190	90	3	analysis	analysis	NOUN
easat-3190	90	4	2020	2020	NUM
easat-3190	90	5	102	102	NUM
easat-3190	90	6	technological	technological	ADJ
easat-3190	90	7	forecasting	forecasting	NOUN
easat-3190	90	8	and	and	CCONJ
easat-3190	90	9	social	social	ADJ
easat-3190	90	10	change	change	NOUN
easat-3190	90	11	q1	q1	PROPN
easat-3190	90	12	9	9	NUM
easat-3190	90	13	(	(	PUNCT
easat-3190	90	14	martínezcliment	martínezcliment	NOUN
easat-3190	90	15	et	et	PROPN
easat-3190	90	16	al	al	PROPN
easat-3190	90	17	.	.	PROPN
easat-3190	90	18	,	,	PUNCT
easat-3190	90	19	2018	2018	NUM
easat-3190	90	20	)	)	PUNCT
easat-3190	90	21	financial	financial	ADJ
easat-3190	90	22	return	return	NOUN
easat-3190	90	23	crowdfunding	crowdfunding	NOUN
easat-3190	90	24	:	:	PUNCT
easat-3190	90	25	literature	literature	NOUN
easat-3190	90	26	review	review	NOUN
easat-3190	90	27	and	and	CCONJ
easat-3190	90	28	bibliometric	bibliometric	ADJ
easat-3190	90	29	analysis	analysis	NOUN
easat-3190	90	30	2018	2018	NUM
easat-3190	90	31	87	87	NUM
easat-3190	90	32	international	international	ADJ
easat-3190	90	33	entrepreneurs	entrepreneur	NOUN
easat-3190	90	34	hip	hip	NOUN
easat-3190	90	35	and	and	CCONJ
easat-3190	90	36	management	management	NOUN
easat-3190	90	37	journal	journal	PROPN
easat-3190	90	38	q1	q1	PROPN
easat-3190	90	39	10	10	NUM
easat-3190	90	40	(	(	PUNCT
easat-3190	90	41	j.	j.	PROPN
easat-3190	90	42	j.	j.	PROPN
easat-3190	90	43	xu	xu	PROPN
easat-3190	90	44	&	&	CCONJ
easat-3190	90	45	chau	chau	PROPN
easat-3190	90	46	,	,	PUNCT
easat-3190	90	47	2018	2018	NUM
easat-3190	90	48	)	)	PUNCT
easat-3190	90	49	cheap	cheap	ADJ
easat-3190	90	50	talk	talk	NOUN
easat-3190	90	51	?	?	PUNCT
easat-3190	91	1	the	the	DET
easat-3190	91	2	impact	impact	NOUN
easat-3190	91	3	of	of	ADP
easat-3190	91	4	lender	lender	NOUN
easat-3190	91	5	-	-	PUNCT
easat-3190	91	6	borrower	borrower	NOUN
easat-3190	91	7	communication	communication	NOUN
easat-3190	91	8	on	on	ADP
easat-3190	91	9	peer	peer	NOUN
easat-3190	91	10	-	-	PUNCT
easat-3190	91	11	topeer	topeer	NOUN
easat-3190	91	12	lending	lending	NOUN
easat-3190	91	13	outcomes	outcome	NOUN
easat-3190	91	14	2018	2018	NUM
easat-3190	91	15	72	72	NUM
easat-3190	91	16	journal	journal	NOUN
easat-3190	91	17	of	of	ADP
easat-3190	91	18	management	management	NOUN
easat-3190	91	19	information	information	NOUN
easat-3190	91	20	systems	systems	PROPN
easat-3190	91	21	q1	q1	PROPN
easat-3190	91	22	5340	5340	NUM
easat-3190	91	23	edelweiss	edelweiss	PROPN
easat-3190	91	24	applied	apply	VERB
easat-3190	91	25	science	science	NOUN
easat-3190	91	26	and	and	CCONJ
easat-3190	91	27	technology	technology	NOUN
easat-3190	91	28	issn	issn	PROPN
easat-3190	91	29	:	:	PUNCT
easat-3190	91	30	2576	2576	NUM
easat-3190	91	31	-	-	SYM
easat-3190	91	32	8484	8484	NUM
easat-3190	91	33	vol	vol	NOUN
easat-3190	91	34	.	.	PROPN
easat-3190	91	35	8	8	NUM
easat-3190	91	36	,	,	PUNCT
easat-3190	91	37	no	no	INTJ
easat-3190	91	38	.	.	NOUN
easat-3190	92	1	6	6	NUM
easat-3190	92	2	:	:	SYM
easat-3190	92	3	5336	5336	NUM
easat-3190	92	4	-	-	SYM
easat-3190	92	5	5348	5348	NUM
easat-3190	92	6	,	,	PUNCT
easat-3190	92	7	2024	2024	NUM
easat-3190	92	8	doi	doi	NOUN
easat-3190	92	9	:	:	PUNCT
easat-3190	92	10	10.55214/25768484.v8i6.3190	10.55214/25768484.v8i6.3190	NUM
easat-3190	92	11	©	©	ADP
easat-3190	92	12	2024	2024	NUM
easat-3190	92	13	by	by	ADP
easat-3190	92	14	the	the	DET
easat-3190	92	15	authors	author	NOUN
easat-3190	92	16	;	;	PUNCT
easat-3190	92	17	licensee	licensee	PROPN
easat-3190	92	18	learning	learning	NOUN
easat-3190	92	19	gate	gate	VERB
easat-3190	92	20	3.3	3.3	NUM
easat-3190	92	21	.	.	PUNCT
easat-3190	93	1	frequency	frequency	NOUN
easat-3190	93	2	distribution	distribution	NOUN
easat-3190	93	3	of	of	ADP
easat-3190	93	4	articles	article	NOUN
easat-3190	93	5	by	by	ADP
easat-3190	93	6	research	research	NOUN
easat-3190	93	7	setting	setting	NOUN
easat-3190	93	8	table	table	NOUN
easat-3190	93	9	2	2	NUM
easat-3190	93	10	shows	show	VERB
easat-3190	93	11	the	the	DET
easat-3190	93	12	article	article	NOUN
easat-3190	93	13	distribution	distribution	NOUN
easat-3190	93	14	frequency	frequency	NOUN
easat-3190	93	15	based	base	VERB
easat-3190	93	16	on	on	ADP
easat-3190	93	17	the	the	DET
easat-3190	93	18	research	research	NOUN
easat-3190	93	19	place	place	NOUN
easat-3190	93	20	.	.	PUNCT
easat-3190	94	1	the	the	DET
easat-3190	94	2	table	table	NOUN
easat-3190	94	3	provides	provide	VERB
easat-3190	94	4	data	datum	NOUN
easat-3190	94	5	on	on	ADP
easat-3190	94	6	understanding	understand	VERB
easat-3190	94	7	p2p	p2p	NOUN
easat-3190	94	8	topics	topic	NOUN
easat-3190	94	9	based	base	VERB
easat-3190	94	10	on	on	ADP
easat-3190	94	11	the	the	DET
easat-3190	94	12	distribution	distribution	NOUN
easat-3190	94	13	of	of	ADP
easat-3190	94	14	country	country	NOUN
easat-3190	94	15	deployments	deployment	NOUN
easat-3190	94	16	.	.	PUNCT
easat-3190	95	1	the	the	DET
easat-3190	95	2	highest	high	ADJ
easat-3190	95	3	research	research	NOUN
easat-3190	95	4	was	be	AUX
easat-3190	95	5	conducted	conduct	VERB
easat-3190	95	6	in	in	ADP
easat-3190	95	7	china	china	PROPN
easat-3190	95	8	,	,	PUNCT
easat-3190	95	9	and	and	CCONJ
easat-3190	95	10	it	it	PRON
easat-3190	95	11	had	have	VERB
easat-3190	95	12	89	89	NUM
easat-3190	95	13	articles	article	NOUN
easat-3190	95	14	.	.	PUNCT
easat-3190	96	1	research	research	NOUN
easat-3190	96	2	on	on	ADP
easat-3190	96	3	p2p	p2p	NOUN
easat-3190	96	4	topics	topic	NOUN
easat-3190	96	5	is	be	AUX
easat-3190	96	6	the	the	DET
easat-3190	96	7	most	most	ADV
easat-3190	96	8	extensive	extensive	ADJ
easat-3190	96	9	and	and	CCONJ
easat-3190	96	10	exciting	exciting	ADJ
easat-3190	96	11	interest	interest	NOUN
easat-3190	96	12	carried	carry	VERB
easat-3190	96	13	out	out	ADP
easat-3190	96	14	by	by	ADP
easat-3190	96	15	china	china	PROPN
easat-3190	96	16	,	,	PUNCT
easat-3190	96	17	followed	follow	VERB
easat-3190	96	18	by	by	ADP
easat-3190	96	19	united	united	PROPN
easat-3190	96	20	states	states	PROPN
easat-3190	96	21	,	,	PUNCT
easat-3190	96	22	which	which	PRON
easat-3190	96	23	produces	produce	VERB
easat-3190	96	24	53	53	NUM
easat-3190	96	25	articles	article	NOUN
easat-3190	96	26	,	,	PUNCT
easat-3190	96	27	and	and	CCONJ
easat-3190	96	28	indonesia	indonesia	PROPN
easat-3190	96	29	,	,	PUNCT
easat-3190	96	30	which	which	PRON
easat-3190	96	31	has	have	VERB
easat-3190	96	32	21	21	NUM
easat-3190	96	33	articles	article	NOUN
easat-3190	96	34	.	.	PUNCT
easat-3190	97	1	china	china	PROPN
easat-3190	97	2	is	be	AUX
easat-3190	97	3	the	the	DET
easat-3190	97	4	country	country	NOUN
easat-3190	97	5	that	that	PRON
easat-3190	97	6	researches	research	VERB
easat-3190	97	7	the	the	DET
easat-3190	97	8	most	most	ADJ
easat-3190	97	9	on	on	ADP
easat-3190	97	10	the	the	DET
easat-3190	97	11	topic	topic	NOUN
easat-3190	97	12	of	of	ADP
easat-3190	97	13	p2p	p2p	NOUN
easat-3190	97	14	lending	lending	NOUN
easat-3190	97	15	,	,	PUNCT
easat-3190	97	16	followed	follow	VERB
easat-3190	97	17	by	by	ADP
easat-3190	97	18	indonesia	indonesia	PROPN
easat-3190	97	19	and	and	CCONJ
easat-3190	97	20	the	the	DET
easat-3190	97	21	united	united	PROPN
easat-3190	97	22	states	states	PROPN
easat-3190	97	23	.	.	PUNCT
easat-3190	98	1	chinese	chinese	ADJ
easat-3190	98	2	writers	writer	NOUN
easat-3190	98	3	have	have	AUX
easat-3190	98	4	been	be	AUX
easat-3190	98	5	significant	significant	ADJ
easat-3190	98	6	contributors	contributor	NOUN
easat-3190	98	7	to	to	ADP
easat-3190	98	8	the	the	DET
easat-3190	98	9	p2p	p2p	NOUN
easat-3190	98	10	lending	lending	NOUN
easat-3190	98	11	campaign	campaign	NOUN
easat-3190	98	12	.	.	PUNCT
easat-3190	99	1	the	the	DET
easat-3190	99	2	high	high	ADJ
easat-3190	99	3	research	research	NOUN
easat-3190	99	4	interest	interest	NOUN
easat-3190	99	5	of	of	ADP
easat-3190	99	6	academics	academic	NOUN
easat-3190	99	7	and	and	CCONJ
easat-3190	99	8	practitioners	practitioner	NOUN
easat-3190	99	9	in	in	ADP
easat-3190	99	10	china	china	PROPN
easat-3190	99	11	to	to	PART
easat-3190	99	12	understand	understand	VERB
easat-3190	99	13	the	the	DET
easat-3190	99	14	market	market	NOUN
easat-3190	99	15	dynamics	dynamic	NOUN
easat-3190	99	16	and	and	CCONJ
easat-3190	99	17	financial	financial	ADJ
easat-3190	99	18	implications	implication	NOUN
easat-3190	99	19	of	of	ADP
easat-3190	99	20	p2p	p2p	NOUN
easat-3190	99	21	lending	lending	NOUN
easat-3190	99	22	is	be	AUX
easat-3190	99	23	driven	drive	VERB
easat-3190	99	24	by	by	ADP
easat-3190	99	25	several	several	ADJ
easat-3190	99	26	factors	factor	NOUN
easat-3190	99	27	including	include	VERB
easat-3190	99	28	china	china	PROPN
easat-3190	99	29	has	have	VERB
easat-3190	99	30	one	one	NUM
easat-3190	99	31	of	of	ADP
easat-3190	99	32	the	the	DET
easat-3190	99	33	largest	large	ADJ
easat-3190	99	34	p2p	p2p	NOUN
easat-3190	99	35	lending	lending	NOUN
easat-3190	99	36	markets	market	NOUN
easat-3190	99	37	in	in	ADP
easat-3190	99	38	the	the	DET
easat-3190	99	39	world	world	NOUN
easat-3190	99	40	.	.	PUNCT
easat-3190	100	1	rapid	rapid	ADJ
easat-3190	100	2	economic	economic	ADJ
easat-3190	100	3	growth	growth	NOUN
easat-3190	100	4	and	and	CCONJ
easat-3190	100	5	broad	broad	ADJ
easat-3190	100	6	internet	internet	NOUN
easat-3190	100	7	penetration	penetration	NOUN
easat-3190	100	8	are	be	AUX
easat-3190	100	9	creating	create	VERB
easat-3190	100	10	a	a	DET
easat-3190	100	11	massive	massive	ADJ
easat-3190	100	12	demand	demand	NOUN
easat-3190	100	13	for	for	ADP
easat-3190	100	14	alternative	alternative	ADJ
easat-3190	100	15	financial	financial	ADJ
easat-3190	100	16	solutions	solution	NOUN
easat-3190	100	17	such	such	ADJ
easat-3190	100	18	as	as	ADP
easat-3190	100	19	p2p	p2p	NOUN
easat-3190	100	20	lending	lending	NOUN
easat-3190	100	21	.	.	PUNCT
easat-3190	101	1	great	great	ADJ
easat-3190	101	2	support	support	NOUN
easat-3190	101	3	from	from	ADP
easat-3190	101	4	the	the	DET
easat-3190	101	5	government	government	NOUN
easat-3190	101	6	for	for	ADP
easat-3190	101	7	the	the	DET
easat-3190	101	8	development	development	NOUN
easat-3190	101	9	of	of	ADP
easat-3190	101	10	the	the	DET
easat-3190	101	11	p2p	p2p	NOUN
easat-3190	101	12	lending	lending	NOUN
easat-3190	101	13	industry	industry	NOUN
easat-3190	101	14	through	through	ADP
easat-3190	101	15	various	various	ADJ
easat-3190	101	16	policies	policy	NOUN
easat-3190	101	17	and	and	CCONJ
easat-3190	101	18	incentives	incentive	NOUN
easat-3190	101	19	.	.	PUNCT
easat-3190	102	1	several	several	ADJ
easat-3190	102	2	p2p	p2p	NOUN
easat-3190	102	3	lending	lending	NOUN
easat-3190	102	4	platforms	platform	NOUN
easat-3190	102	5	originating	originate	VERB
easat-3190	102	6	in	in	ADP
easat-3190	102	7	china	china	PROPN
easat-3190	102	8	have	have	AUX
easat-3190	102	9	become	become	VERB
easat-3190	102	10	global	global	ADJ
easat-3190	102	11	leaders	leader	NOUN
easat-3190	102	12	in	in	ADP
easat-3190	102	13	the	the	DET
easat-3190	102	14	industry	industry	NOUN
easat-3190	102	15	.	.	PUNCT
easat-3190	103	1	the	the	DET
easat-3190	103	2	challenges	challenge	NOUN
easat-3190	103	3	and	and	CCONJ
easat-3190	103	4	successes	success	NOUN
easat-3190	103	5	facing	face	VERB
easat-3190	103	6	the	the	DET
easat-3190	103	7	platform	platform	NOUN
easat-3190	103	8	could	could	AUX
easat-3190	103	9	spark	spark	VERB
easat-3190	103	10	research	research	NOUN
easat-3190	103	11	interest	interest	NOUN
easat-3190	103	12	from	from	ADP
easat-3190	103	13	chinese	chinese	ADJ
easat-3190	103	14	authors	author	NOUN
easat-3190	103	15	to	to	PART
easat-3190	103	16	dig	dig	VERB
easat-3190	103	17	deeper	deeply	ADV
easat-3190	103	18	into	into	ADP
easat-3190	103	19	the	the	DET
easat-3190	103	20	factors	factor	NOUN
easat-3190	103	21	that	that	PRON
easat-3190	103	22	influence	influence	VERB
easat-3190	103	23	the	the	DET
easat-3190	103	24	success	success	NOUN
easat-3190	103	25	and	and	CCONJ
easat-3190	103	26	sustainability	sustainability	NOUN
easat-3190	103	27	of	of	ADP
easat-3190	103	28	its	its	PRON
easat-3190	103	29	business	business	NOUN
easat-3190	103	30	.	.	PUNCT
easat-3190	104	1	in	in	ADP
easat-3190	104	2	addition	addition	NOUN
easat-3190	104	3	,	,	PUNCT
easat-3190	104	4	china	china	PROPN
easat-3190	104	5	is	be	AUX
easat-3190	104	6	also	also	ADV
easat-3190	104	7	known	know	VERB
easat-3190	104	8	as	as	ADP
easat-3190	104	9	a	a	DET
easat-3190	104	10	fintech	fintech	NOUN
easat-3190	104	11	innovation	innovation	NOUN
easat-3190	104	12	center	center	NOUN
easat-3190	104	13	.	.	PUNCT
easat-3190	105	1	table	table	NOUN
easat-3190	105	2	3	3	NUM
easat-3190	105	3	.	.	PUNCT
easat-3190	105	4	frequency	frequency	NOUN
easat-3190	105	5	distribution	distribution	NOUN
easat-3190	105	6	of	of	ADP
easat-3190	105	7	article	article	NOUN
easat-3190	105	8	by	by	ADP
easat-3190	105	9	research	research	NOUN
easat-3190	105	10	setting	setting	NOUN
easat-3190	105	11	.	.	PUNCT
easat-3190	106	1	countries	country	NOUN
easat-3190	106	2	n	n	PART
easat-3190	106	3	countries	country	NOUN
easat-3190	106	4	n	n	PRON
easat-3190	106	5	china	china	PROPN
easat-3190	106	6	89	89	NUM
easat-3190	106	7	iran	iran	PROPN
easat-3190	106	8	3	3	NUM
easat-3190	106	9	united	united	PROPN
easat-3190	106	10	states	states	PROPN
easat-3190	106	11	53	53	NUM
easat-3190	106	12	ireland	ireland	PROPN
easat-3190	106	13	3	3	NUM
easat-3190	106	14	indonesia	indonesia	PROPN
easat-3190	106	15	21	21	NUM
easat-3190	106	16	japan	japan	PROPN
easat-3190	106	17	3	3	NUM
easat-3190	106	18	united	united	PROPN
easat-3190	106	19	kingdom	kingdom	PROPN
easat-3190	106	20	16	16	NUM
easat-3190	106	21	netherlands	netherlands	PROPN
easat-3190	106	22	3	3	NUM
easat-3190	106	23	hong	hong	PROPN
easat-3190	106	24	kong	kong	PROPN
easat-3190	106	25	11	11	NUM
easat-3190	106	26	poland	poland	PROPN
easat-3190	106	27	3	3	NUM
easat-3190	106	28	south	south	PROPN
easat-3190	106	29	korea	korea	PROPN
easat-3190	106	30	9	9	NUM
easat-3190	106	31	russian	russian	PROPN
easat-3190	106	32	federation	federation	PROPN
easat-3190	106	33	3	3	NUM
easat-3190	106	34	australia	australia	PROPN
easat-3190	106	35	8	8	NUM
easat-3190	106	36	sweden	sweden	PROPN
easat-3190	106	37	3	3	NUM
easat-3190	106	38	italia	italia	PROPN
easat-3190	106	39	7	7	NUM
easat-3190	106	40	austria	austria	PROPN
easat-3190	106	41	2	2	NUM
easat-3190	106	42	france	france	PROPN
easat-3190	106	43	6	6	NUM
easat-3190	106	44	denmark	denmark	NOUN
easat-3190	106	45	2	2	NUM
easat-3190	106	46	german	german	NOUN
easat-3190	106	47	6	6	NUM
easat-3190	106	48	finland	finland	PROPN
easat-3190	106	49	2	2	NUM
easat-3190	106	50	spain	spain	PROPN
easat-3190	106	51	6	6	NUM
easat-3190	106	52	greece	greece	PROPN
easat-3190	106	53	2	2	NUM
easat-3190	106	54	taiwan	taiwan	PROPN
easat-3190	106	55	5	5	NUM
easat-3190	106	56	macao	macao	PROPN
easat-3190	106	57	2	2	NUM
easat-3190	106	58	pakistan	pakistan	PROPN
easat-3190	106	59	4	4	NUM
easat-3190	106	60	malaysia	malaysia	PROPN
easat-3190	106	61	2	2	NUM
easat-3190	106	62	singapore	singapore	PROPN
easat-3190	106	63	4	4	NUM
easat-3190	106	64	south	south	NOUN
easat-3190	106	65	africa	africa	PROPN
easat-3190	106	66	2	2	NUM
easat-3190	106	67	hungary	hungary	PROPN
easat-3190	106	68	3	3	NUM
easat-3190	106	69	other	other	ADJ
easat-3190	106	70	country	country	NOUN
easat-3190	106	71	10	10	NUM
easat-3190	106	72	india	india	PROPN
easat-3190	106	73	3	3	NUM
easat-3190	106	74	3.4	3.4	NUM
easat-3190	106	75	.	.	PUNCT
easat-3190	107	1	frequency	frequency	NOUN
easat-3190	107	2	distribution	distribution	NOUN
easat-3190	107	3	of	of	ADP
easat-3190	107	4	articles	article	NOUN
easat-3190	107	5	by	by	ADP
easat-3190	107	6	research	research	NOUN
easat-3190	107	7	method	method	NOUN
easat-3190	107	8	the	the	DET
easat-3190	107	9	dissemination	dissemination	NOUN
easat-3190	107	10	of	of	ADP
easat-3190	107	11	articles	article	NOUN
easat-3190	107	12	based	base	VERB
easat-3190	107	13	on	on	ADP
easat-3190	107	14	research	research	NOUN
easat-3190	107	15	methods	method	NOUN
easat-3190	107	16	can	can	AUX
easat-3190	107	17	be	be	AUX
easat-3190	107	18	seen	see	VERB
easat-3190	107	19	in	in	ADP
easat-3190	107	20	table	table	NOUN
easat-3190	107	21	3	3	NUM
easat-3190	107	22	.	.	PUNCT
easat-3190	108	1	the	the	DET
easat-3190	108	2	table	table	NOUN
easat-3190	108	3	lists	list	VERB
easat-3190	108	4	four	four	NUM
easat-3190	108	5	categories	category	NOUN
easat-3190	108	6	of	of	ADP
easat-3190	108	7	research	research	NOUN
easat-3190	108	8	methods	method	NOUN
easat-3190	108	9	:	:	PUNCT
easat-3190	108	10	quantitative	quantitative	ADJ
easat-3190	108	11	,	,	PUNCT
easat-3190	108	12	qualitative	qualitative	ADJ
easat-3190	108	13	,	,	PUNCT
easat-3190	108	14	mixed	mixed	ADJ
easat-3190	108	15	methods	method	NOUN
easat-3190	108	16	,	,	PUNCT
easat-3190	108	17	and	and	CCONJ
easat-3190	108	18	literature	literature	PROPN
easat-3190	108	19	review	review	PROPN
easat-3190	108	20	.	.	PUNCT
easat-3190	109	1	quantitative	quantitative	ADJ
easat-3190	109	2	research	research	NOUN
easat-3190	109	3	methods	method	NOUN
easat-3190	109	4	are	be	AUX
easat-3190	109	5	the	the	DET
easat-3190	109	6	most	most	ADV
easat-3190	109	7	frequently	frequently	ADV
easat-3190	109	8	conducted	conduct	VERB
easat-3190	109	9	among	among	ADP
easat-3190	109	10	the	the	DET
easat-3190	109	11	three	three	NUM
easat-3190	109	12	on	on	ADP
easat-3190	109	13	the	the	DET
easat-3190	109	14	p2p	p2p	NOUN
easat-3190	109	15	topics	topic	NOUN
easat-3190	109	16	reviewed	review	VERB
easat-3190	109	17	.	.	PUNCT
easat-3190	110	1	this	this	DET
easat-3190	110	2	conclusion	conclusion	NOUN
easat-3190	110	3	is	be	AUX
easat-3190	110	4	obtained	obtain	VERB
easat-3190	110	5	in	in	ADP
easat-3190	110	6	table	table	NOUN
easat-3190	110	7	3	3	NUM
easat-3190	110	8	,	,	PUNCT
easat-3190	110	9	which	which	PRON
easat-3190	110	10	shows	show	VERB
easat-3190	110	11	a	a	DET
easat-3190	110	12	total	total	NOUN
easat-3190	110	13	of	of	ADP
easat-3190	110	14	128	128	NUM
easat-3190	110	15	(	(	PUNCT
easat-3190	110	16	82.6	82.6	NUM
easat-3190	110	17	%	%	NOUN
easat-3190	110	18	)	)	PUNCT
easat-3190	110	19	quantitative	quantitative	ADJ
easat-3190	110	20	research	research	NOUN
easat-3190	110	21	methods	method	NOUN
easat-3190	110	22	with	with	ADP
easat-3190	110	23	an	an	DET
easat-3190	110	24	archive	archive	NOUN
easat-3190	110	25	method	method	NOUN
easat-3190	110	26	classification	classification	NOUN
easat-3190	110	27	of	of	ADP
easat-3190	110	28	99	99	NUM
easat-3190	110	29	(	(	PUNCT
easat-3190	110	30	63.9	63.9	NUM
easat-3190	110	31	%	%	NOUN
easat-3190	110	32	)	)	PUNCT
easat-3190	110	33	,	,	PUNCT
easat-3190	110	34	surveys	survey	NOUN
easat-3190	110	35	18	18	NUM
easat-3190	110	36	(	(	PUNCT
easat-3190	110	37	11.6	11.6	NUM
easat-3190	110	38	%	%	NOUN
easat-3190	110	39	)	)	PUNCT
easat-3190	110	40	,	,	PUNCT
easat-3190	110	41	and	and	CCONJ
easat-3190	110	42	experiments	experiment	NOUN
easat-3190	110	43	11	11	NUM
easat-3190	110	44	(	(	PUNCT
easat-3190	110	45	7.1	7.1	NUM
easat-3190	110	46	%	%	NOUN
easat-3190	110	47	)	)	PUNCT
easat-3190	110	48	from	from	ADP
easat-3190	110	49	a	a	DET
easat-3190	110	50	total	total	NOUN
easat-3190	110	51	of	of	ADP
easat-3190	110	52	202	202	NUM
easat-3190	110	53	articles	article	NOUN
easat-3190	110	54	.	.	PUNCT
easat-3190	111	1	a	a	DET
easat-3190	111	2	research	research	NOUN
easat-3190	111	3	method	method	NOUN
easat-3190	111	4	rarely	rarely	ADV
easat-3190	111	5	done	do	VERB
easat-3190	111	6	in	in	ADP
easat-3190	111	7	p2p	p2p	NOUN
easat-3190	111	8	research	research	NOUN
easat-3190	111	9	is	be	AUX
easat-3190	111	10	a	a	DET
easat-3190	111	11	mixed	mixed	ADJ
easat-3190	111	12	method	method	NOUN
easat-3190	111	13	with	with	ADP
easat-3190	111	14	2	2	NUM
easat-3190	111	15	(	(	PUNCT
easat-3190	111	16	1.3	1.3	NUM
easat-3190	111	17	%	%	NOUN
easat-3190	111	18	)	)	PUNCT
easat-3190	111	19	articles	article	NOUN
easat-3190	111	20	.	.	PUNCT
easat-3190	112	1	5341	5341	NUM
easat-3190	112	2	edelweiss	edelweiss	PROPN
easat-3190	112	3	applied	apply	VERB
easat-3190	112	4	science	science	NOUN
easat-3190	112	5	and	and	CCONJ
easat-3190	112	6	technology	technology	NOUN
easat-3190	112	7	issn	issn	PROPN
easat-3190	112	8	:	:	PUNCT
easat-3190	112	9	2576	2576	NUM
easat-3190	112	10	-	-	SYM
easat-3190	112	11	8484	8484	NUM
easat-3190	112	12	vol	vol	NOUN
easat-3190	112	13	.	.	PROPN
easat-3190	112	14	8	8	NUM
easat-3190	112	15	,	,	PUNCT
easat-3190	112	16	no	no	INTJ
easat-3190	112	17	.	.	NOUN
easat-3190	113	1	6	6	NUM
easat-3190	113	2	:	:	SYM
easat-3190	113	3	5336	5336	NUM
easat-3190	113	4	-	-	SYM
easat-3190	113	5	5348	5348	NUM
easat-3190	113	6	,	,	PUNCT
easat-3190	113	7	2024	2024	NUM
easat-3190	113	8	doi	doi	NOUN
easat-3190	113	9	:	:	PUNCT
easat-3190	113	10	10.55214/25768484.v8i6.3190	10.55214/25768484.v8i6.3190	NUM
easat-3190	113	11	©	©	ADP
easat-3190	113	12	2024	2024	NUM
easat-3190	113	13	by	by	ADP
easat-3190	113	14	the	the	DET
easat-3190	113	15	authors	author	NOUN
easat-3190	113	16	;	;	PUNCT
easat-3190	113	17	licensee	licensee	PROPN
easat-3190	113	18	learning	learn	VERB
easat-3190	113	19	gate	gate	NOUN
easat-3190	113	20	table	table	NOUN
easat-3190	113	21	4	4	NUM
easat-3190	113	22	.	.	PUNCT
easat-3190	113	23	frequency	frequency	NOUN
easat-3190	113	24	distribution	distribution	NOUN
easat-3190	113	25	of	of	ADP
easat-3190	113	26	article	article	NOUN
easat-3190	113	27	by	by	ADP
easat-3190	113	28	research	research	NOUN
easat-3190	113	29	method	method	NOUN
easat-3190	113	30	(	(	PUNCT
easat-3190	113	31	n=202	n=202	PROPN
easat-3190	113	32	)	)	PUNCT
easat-3190	113	33	.	.	PUNCT
easat-3190	114	1	type	type	NOUN
easat-3190	114	2	quantitative	quantitative	ADJ
easat-3190	114	3	(	(	PUNCT
easat-3190	114	4	n/%	n/%	PROPN
easat-3190	114	5	)	)	PUNCT
easat-3190	114	6	qualitative	qualitative	NOUN
easat-3190	114	7	(	(	PUNCT
easat-3190	114	8	n/%	n/%	PROPN
easat-3190	114	9	)	)	PUNCT
easat-3190	114	10	mix	mix	NOUN
easat-3190	114	11	method	method	NOUN
easat-3190	114	12	(	(	PUNCT
easat-3190	114	13	n/%	n/%	PROPN
easat-3190	114	14	)	)	PUNCT
easat-3190	114	15	literature	literature	NOUN
easat-3190	114	16	review	review	NOUN
easat-3190	114	17	(	(	PUNCT
easat-3190	114	18	n/%	n/%	PROPN
easat-3190	114	19	)	)	PUNCT
easat-3190	114	20	quantitative	quantitative	ADJ
easat-3190	114	21	archival	archival	NOUN
easat-3190	114	22	125	125	NUM
easat-3190	114	23	(	(	PUNCT
easat-3190	114	24	61.8	61.8	NUM
easat-3190	114	25	)	)	PUNCT
easat-3190	114	26	survey	survey	NOUN
easat-3190	114	27	28	28	NUM
easat-3190	114	28	(	(	PUNCT
easat-3190	114	29	13.8	13.8	NUM
easat-3190	114	30	)	)	PUNCT
easat-3190	114	31	descriptive	descriptive	ADJ
easat-3190	114	32	experiment	experiment	NOUN
easat-3190	114	33	10	10	NUM
easat-3190	114	34	(	(	PUNCT
easat-3190	114	35	4.9	4.9	NUM
easat-3190	114	36	)	)	PUNCT
easat-3190	114	37	total	total	ADJ
easat-3190	114	38	quantitative	quantitative	ADJ
easat-3190	114	39	163	163	NUM
easat-3190	114	40	(	(	PUNCT
easat-3190	114	41	80.5	80.5	NUM
easat-3190	114	42	)	)	PUNCT
easat-3190	114	43	qualitative	qualitative	ADJ
easat-3190	114	44	interview	interview	NOUN
easat-3190	114	45	7	7	NUM
easat-3190	114	46	(	(	PUNCT
easat-3190	114	47	3,4	3,4	NUM
easat-3190	114	48	)	)	PUNCT
easat-3190	114	49	case	case	NOUN
easat-3190	114	50	study	study	NOUN
easat-3190	114	51	11	11	NUM
easat-3190	114	52	(	(	PUNCT
easat-3190	114	53	5,4	5,4	NUM
easat-3190	114	54	)	)	PUNCT
easat-3190	114	55	total	total	ADJ
easat-3190	114	56	qualitative	qualitative	NOUN
easat-3190	114	57	18	18	NUM
easat-3190	114	58	(	(	PUNCT
easat-3190	114	59	8,9	8,9	NUM
easat-3190	114	60	)	)	PUNCT
easat-3190	114	61	mixed	mixed	ADJ
easat-3190	114	62	method	method	NOUN
easat-3190	114	63	archival	archival	NOUN
easat-3190	114	64	and	and	CCONJ
easat-3190	114	65	interview	interview	NOUN
easat-3190	114	66	2	2	NUM
easat-3190	114	67	(	(	PUNCT
easat-3190	114	68	0.9	0.9	NUM
easat-3190	114	69	)	)	PUNCT
easat-3190	114	70	archival	archival	NOUN
easat-3190	114	71	,	,	PUNCT
easat-3190	114	72	survey	survey	NOUN
easat-3190	114	73	,	,	PUNCT
easat-3190	114	74	review	review	NOUN
easat-3190	114	75	,	,	PUNCT
easat-3190	114	76	and	and	CCONJ
easat-3190	114	77	interview	interview	NOUN
easat-3190	114	78	2	2	NUM
easat-3190	114	79	(	(	PUNCT
easat-3190	114	80	0.9	0.9	NUM
easat-3190	114	81	)	)	PUNCT
easat-3190	114	82	slr	slr	NOUN
easat-3190	114	83	,	,	PUNCT
easat-3190	114	84	archival	archival	NOUN
easat-3190	114	85	,	,	PUNCT
easat-3190	114	86	and	and	CCONJ
easat-3190	114	87	case	case	NOUN
easat-3190	114	88	studies	study	NOUN
easat-3190	114	89	total	total	VERB
easat-3190	114	90	mixed	mixed	ADJ
easat-3190	114	91	methods	method	NOUN
easat-3190	114	92	4	4	NUM
easat-3190	114	93	(	(	PUNCT
easat-3190	114	94	2.6	2.6	NUM
easat-3190	114	95	)	)	PUNCT
easat-3190	114	96	literature	literature	NOUN
easat-3190	114	97	review	review	NOUN
easat-3190	114	98	5	5	NUM
easat-3190	114	99	(	(	PUNCT
easat-3190	114	100	3.2	3.2	NUM
easat-3190	114	101	)	)	PUNCT
easat-3190	114	102	total	total	NOUN
easat-3190	114	103	128	128	NUM
easat-3190	114	104	(	(	PUNCT
easat-3190	114	105	82.6	82.6	NUM
easat-3190	114	106	)	)	SYM
easat-3190	114	107	18	18	NUM
easat-3190	114	108	(	(	PUNCT
easat-3190	114	109	11.6	11.6	NUM
easat-3190	114	110	)	)	PUNCT
easat-3190	114	111	4	4	NUM
easat-3190	114	112	(	(	PUNCT
easat-3190	114	113	2.6	2.6	NUM
easat-3190	114	114	)	)	PUNCT
easat-3190	114	115	5	5	NUM
easat-3190	114	116	(	(	PUNCT
easat-3190	114	117	3.2	3.2	NUM
easat-3190	114	118	)	)	PUNCT
easat-3190	114	119	3.5	3.5	NUM
easat-3190	114	120	.	.	PUNCT
easat-3190	115	1	frequency	frequency	NOUN
easat-3190	115	2	distribution	distribution	NOUN
easat-3190	115	3	of	of	ADP
easat-3190	115	4	articles	article	NOUN
easat-3190	115	5	by	by	ADP
easat-3190	115	6	theories	theory	NOUN
easat-3190	115	7	applied	apply	VERB
easat-3190	115	8	in	in	ADP
easat-3190	115	9	the	the	DET
easat-3190	115	10	research	research	NOUN
easat-3190	115	11	table	table	NOUN
easat-3190	115	12	4	4	NUM
easat-3190	115	13	shows	show	VERB
easat-3190	115	14	the	the	DET
easat-3190	115	15	theory	theory	NOUN
easat-3190	115	16	used	use	VERB
easat-3190	115	17	in	in	ADP
easat-3190	115	18	research	research	NOUN
easat-3190	115	19	on	on	ADP
easat-3190	115	20	p2p	p2p	NOUN
easat-3190	115	21	topics	topic	NOUN
easat-3190	115	22	in	in	ADP
easat-3190	115	23	202	202	NUM
easat-3190	115	24	reviewed	review	VERB
easat-3190	115	25	articles	article	NOUN
easat-3190	115	26	.	.	PUNCT
easat-3190	116	1	from	from	ADP
easat-3190	116	2	the	the	DET
easat-3190	116	3	data	datum	NOUN
easat-3190	116	4	displayed	display	VERB
easat-3190	116	5	,	,	PUNCT
easat-3190	116	6	most	most	ADJ
easat-3190	116	7	p2p	p2p	NOUN
easat-3190	116	8	topics	topic	NOUN
easat-3190	116	9	are	be	AUX
easat-3190	116	10	done	do	VERB
easat-3190	116	11	by	by	ADP
easat-3190	116	12	not	not	PART
easat-3190	116	13	conveying	convey	VERB
easat-3190	116	14	theories	theory	NOUN
easat-3190	116	15	explicitly	explicitly	ADV
easat-3190	116	16	in	in	ADP
easat-3190	116	17	the	the	DET
easat-3190	116	18	article	article	NOUN
easat-3190	116	19	,	,	PUNCT
easat-3190	116	20	which	which	PRON
easat-3190	116	21	is	be	AUX
easat-3190	116	22	as	as	ADV
easat-3190	116	23	many	many	ADJ
easat-3190	116	24	as	as	ADP
easat-3190	116	25	67	67	NUM
easat-3190	116	26	articles	article	NOUN
easat-3190	116	27	.	.	PUNCT
easat-3190	117	1	of	of	ADP
easat-3190	117	2	the	the	DET
easat-3190	117	3	total	total	ADJ
easat-3190	117	4	100	100	NUM
easat-3190	117	5	theories	theory	NOUN
easat-3190	117	6	in	in	ADP
easat-3190	117	7	p2p	p2p	NOUN
easat-3190	117	8	research	research	NOUN
easat-3190	117	9	,	,	PUNCT
easat-3190	117	10	asymmetry	asymmetry	NOUN
easat-3190	117	11	information	information	NOUN
easat-3190	117	12	theory	theory	NOUN
easat-3190	117	13	is	be	AUX
easat-3190	117	14	the	the	DET
easat-3190	117	15	most	most	ADV
easat-3190	117	16	widely	widely	ADV
easat-3190	117	17	used	use	VERB
easat-3190	117	18	theory	theory	NOUN
easat-3190	117	19	to	to	PART
easat-3190	117	20	strengthen	strengthen	VERB
easat-3190	117	21	opinions	opinion	NOUN
easat-3190	117	22	and	and	CCONJ
easat-3190	117	23	as	as	ADP
easat-3190	117	24	an	an	DET
easat-3190	117	25	author	author	NOUN
easat-3190	117	26	's	's	PART
easat-3190	117	27	guide	guide	NOUN
easat-3190	117	28	,	,	PUNCT
easat-3190	117	29	which	which	PRON
easat-3190	117	30	is	be	AUX
easat-3190	117	31	as	as	ADV
easat-3190	117	32	many	many	ADJ
easat-3190	117	33	as	as	ADP
easat-3190	117	34	22	22	NUM
easat-3190	117	35	articles	article	NOUN
easat-3190	117	36	,	,	PUNCT
easat-3190	117	37	followed	follow	VERB
easat-3190	117	38	by	by	ADP
easat-3190	117	39	the	the	DET
easat-3190	117	40	theory	theory	NOUN
easat-3190	117	41	of	of	ADP
easat-3190	117	42	technology	technology	NOUN
easat-3190	117	43	acceptance	acceptance	NOUN
easat-3190	117	44	model	model	NOUN
easat-3190	117	45	(	(	PUNCT
easat-3190	117	46	tam	tam	PROPN
easat-3190	117	47	)	)	PUNCT
easat-3190	117	48	as	as	ADV
easat-3190	117	49	many	many	ADJ
easat-3190	117	50	as	as	ADP
easat-3190	117	51	six	six	NUM
easat-3190	117	52	articles	article	NOUN
easat-3190	117	53	,	,	PUNCT
easat-3190	117	54	and	and	CCONJ
easat-3190	117	55	theory	theory	NOUN
easat-3190	117	56	of	of	ADP
easat-3190	117	57	planned	plan	VERB
easat-3190	117	58	behavior	behavior	NOUN
easat-3190	117	59	(	(	PUNCT
easat-3190	117	60	tpb	tpb	NOUN
easat-3190	117	61	)	)	PUNCT
easat-3190	117	62	used	use	VERB
easat-3190	117	63	in	in	ADP
easat-3190	117	64	five	five	NUM
easat-3190	117	65	articles	article	NOUN
easat-3190	117	66	.	.	PUNCT
easat-3190	118	1	asymmetry	asymmetry	NOUN
easat-3190	118	2	information	information	NOUN
easat-3190	118	3	theory	theory	NOUN
easat-3190	118	4	is	be	AUX
easat-3190	118	5	used	use	VERB
easat-3190	118	6	by	by	ADP
easat-3190	118	7	(	(	PUNCT
easat-3190	118	8	c.	c.	PROPN
easat-3190	118	9	w.	w.	PROPN
easat-3190	118	10	s.	s.	PROPN
easat-3190	118	11	chen	chen	PROPN
easat-3190	118	12	et	et	PROPN
easat-3190	118	13	al	al	PROPN
easat-3190	118	14	.	.	PROPN
easat-3190	118	15	,	,	PUNCT
easat-3190	118	16	2019	2019	NUM
easat-3190	118	17	;	;	PUNCT
easat-3190	119	1	s.	s.	PROPN
easat-3190	119	2	chen	chen	PROPN
easat-3190	119	3	et	et	PROPN
easat-3190	119	4	al	al	PROPN
easat-3190	119	5	.	.	PROPN
easat-3190	119	6	,	,	PUNCT
easat-3190	119	7	2020b	2020b	NUM
easat-3190	119	8	;	;	PUNCT
easat-3190	119	9	de	de	X
easat-3190	119	10	franco	franco	PROPN
easat-3190	119	11	et	et	PROPN
easat-3190	119	12	al	al	PROPN
easat-3190	119	13	.	.	PROPN
easat-3190	119	14	,	,	PUNCT
easat-3190	119	15	2021	2021	NUM
easat-3190	119	16	;	;	PUNCT
easat-3190	119	17	ding	de	VERB
easat-3190	119	18	et	et	PROPN
easat-3190	119	19	al	al	PROPN
easat-3190	119	20	.	.	PROPN
easat-3190	119	21	,	,	PUNCT
easat-3190	119	22	2019	2019	NUM
easat-3190	119	23	;	;	PUNCT
easat-3190	119	24	d.	d.	PROPN
easat-3190	119	25	kim	kim	PROPN
easat-3190	119	26	et	et	PROPN
easat-3190	119	27	al	al	PROPN
easat-3190	119	28	.	.	PROPN
easat-3190	119	29	,	,	PUNCT
easat-3190	119	30	2020	2020	NUM
easat-3190	119	31	;	;	PUNCT
easat-3190	119	32	klein	klein	PROPN
easat-3190	119	33	et	et	PROPN
easat-3190	119	34	al	al	PROPN
easat-3190	119	35	.	.	PROPN
easat-3190	119	36	,	,	PUNCT
easat-3190	119	37	2021	2021	NUM
easat-3190	119	38	;	;	PUNCT
easat-3190	119	39	j.	j.	PROPN
easat-3190	119	40	li	li	PROPN
easat-3190	119	41	et	et	PROPN
easat-3190	119	42	al	al	PROPN
easat-3190	119	43	.	.	PROPN
easat-3190	119	44	,	,	PUNCT
easat-3190	119	45	2021	2021	NUM
easat-3190	119	46	;	;	PUNCT
easat-3190	119	47	j.	j.	PROPN
easat-3190	119	48	li	li	PROPN
easat-3190	119	49	&	&	CCONJ
easat-3190	119	50	hu	hu	PROPN
easat-3190	119	51	,	,	PUNCT
easat-3190	119	52	2019	2019	NUM
easat-3190	119	53	;	;	PUNCT
easat-3190	119	54	mac	mac	PROPN
easat-3190	119	55	an	an	DET
easat-3190	119	56	bhaird	bhaird	NOUN
easat-3190	119	57	et	et	PROPN
easat-3190	119	58	al	al	PROPN
easat-3190	119	59	.	.	PROPN
easat-3190	119	60	,	,	PUNCT
easat-3190	119	61	2019	2019	NUM
easat-3190	119	62	;	;	PUNCT
easat-3190	119	63	nisar	nisar	PROPN
easat-3190	119	64	et	et	PROPN
easat-3190	119	65	al	al	PROPN
easat-3190	119	66	.	.	PROPN
easat-3190	119	67	,	,	PUNCT
easat-3190	119	68	2020	2020	NUM
easat-3190	119	69	;	;	PUNCT
easat-3190	119	70	ribeironavarrete	ribeironavarrete	ADJ
easat-3190	119	71	et	et	PROPN
easat-3190	119	72	al	al	PROPN
easat-3190	119	73	.	.	PROPN
easat-3190	119	74	,	,	PUNCT
easat-3190	119	75	2022	2022	NUM
easat-3190	119	76	;	;	PUNCT
easat-3190	119	77	santoso	santoso	NOUN
easat-3190	119	78	et	et	PROPN
easat-3190	119	79	al	al	PROPN
easat-3190	119	80	.	.	PROPN
easat-3190	119	81	,	,	PUNCT
easat-3190	119	82	2020	2020	NUM
easat-3190	119	83	;	;	PUNCT
easat-3190	119	84	shao	shao	PROPN
easat-3190	119	85	&	&	CCONJ
easat-3190	119	86	bo	bo	PROPN
easat-3190	119	87	,	,	PUNCT
easat-3190	119	88	2022a	2022a	NUM
easat-3190	119	89	;	;	PUNCT
easat-3190	119	90	si	si	PROPN
easat-3190	119	91	et	et	PROPN
easat-3190	119	92	al	al	PROPN
easat-3190	119	93	.	.	PROPN
easat-3190	119	94	,	,	PUNCT
easat-3190	119	95	2020	2020	NUM
easat-3190	119	96	;	;	PUNCT
easat-3190	119	97	q.	q.	PROPN
easat-3190	119	98	wang	wang	PROPN
easat-3190	119	99	et	et	PROPN
easat-3190	119	100	al	al	PROPN
easat-3190	119	101	.	.	PROPN
easat-3190	119	102	,	,	PUNCT
easat-3190	119	103	2021	2021	NUM
easat-3190	119	104	;	;	PUNCT
easat-3190	119	105	weng	weng	PROPN
easat-3190	119	106	&	&	CCONJ
easat-3190	119	107	luo	luo	PROPN
easat-3190	119	108	,	,	PUNCT
easat-3190	119	109	2021	2021	NUM
easat-3190	119	110	;	;	PUNCT
easat-3190	119	111	xia	xia	PROPN
easat-3190	119	112	et	et	PROPN
easat-3190	119	113	al	al	PROPN
easat-3190	119	114	.	.	PROPN
easat-3190	119	115	,	,	PUNCT
easat-3190	119	116	2020	2020	NUM
easat-3190	119	117	;	;	PUNCT
easat-3190	119	118	j.	j.	PROPN
easat-3190	119	119	xu	xu	PROPN
easat-3190	119	120	et	et	PROPN
easat-3190	119	121	al	al	PROPN
easat-3190	119	122	.	.	PROPN
easat-3190	119	123	,	,	PUNCT
easat-3190	119	124	2020	2020	NUM
easat-3190	119	125	;	;	PUNCT
easat-3190	119	126	h.	h.	PROPN
easat-3190	119	127	yang	yang	PROPN
easat-3190	119	128	et	et	PROPN
easat-3190	119	129	al	al	PROPN
easat-3190	119	130	.	.	PROPN
easat-3190	119	131	,	,	PUNCT
easat-3190	119	132	2020	2020	NUM
easat-3190	119	133	;	;	PUNCT
easat-3190	119	134	yao	yao	PROPN
easat-3190	119	135	et	et	PROPN
easat-3190	119	136	al	al	PROPN
easat-3190	119	137	.	.	PROPN
easat-3190	119	138	,	,	PUNCT
easat-3190	119	139	2019	2019	NUM
easat-3190	119	140	;	;	PUNCT
easat-3190	119	141	zanin	zanin	PROPN
easat-3190	119	142	,	,	PUNCT
easat-3190	119	143	2020	2020	NUM
easat-3190	119	144	;	;	PUNCT
easat-3190	119	145	zhou	zhou	PROPN
easat-3190	119	146	&	&	CCONJ
easat-3190	119	147	wei	wei	PROPN
easat-3190	119	148	,	,	PUNCT
easat-3190	119	149	2020	2020	NUM
easat-3190	119	150	)	)	PUNCT
easat-3190	119	151	.	.	PUNCT
easat-3190	120	1	theory	theory	NOUN
easat-3190	120	2	of	of	ADP
easat-3190	120	3	technology	technology	NOUN
easat-3190	120	4	acceptance	acceptance	NOUN
easat-3190	120	5	model	model	NOUN
easat-3190	120	6	(	(	PUNCT
easat-3190	120	7	tam	tam	PROPN
easat-3190	120	8	)	)	PUNCT
easat-3190	120	9	presented	present	VERB
easat-3190	120	10	by	by	ADP
easat-3190	120	11	(	(	PUNCT
easat-3190	120	12	davis	davis	PROPN
easat-3190	120	13	,	,	PUNCT
easat-3190	120	14	1989	1989	NUM
easat-3190	120	15	)	)	PUNCT
easat-3190	120	16	used	use	VERB
easat-3190	120	17	in	in	ADP
easat-3190	120	18	the	the	DET
easat-3190	120	19	article	article	NOUN
easat-3190	120	20	(	(	PUNCT
easat-3190	120	21	azman	azman	PROPN
easat-3190	120	22	et	et	PROPN
easat-3190	120	23	al	al	PROPN
easat-3190	120	24	.	.	PROPN
easat-3190	120	25	,	,	PUNCT
easat-3190	120	26	2020	2020	NUM
easat-3190	120	27	;	;	PUNCT
easat-3190	120	28	candra	candra	PROPN
easat-3190	120	29	et	et	PROPN
easat-3190	120	30	al	al	PROPN
easat-3190	120	31	.	.	PROPN
easat-3190	120	32	,	,	PUNCT
easat-3190	120	33	2020a	2020a	NUM
easat-3190	120	34	;	;	PUNCT
easat-3190	120	35	darmansyah	darmansyah	NOUN
easat-3190	120	36	et	et	PROPN
easat-3190	120	37	al	al	PROPN
easat-3190	120	38	.	.	PROPN
easat-3190	120	39	,	,	PUNCT
easat-3190	120	40	2020	2020	NUM
easat-3190	120	41	;	;	PUNCT
easat-3190	120	42	dospinescu	dospinescu	NOUN
easat-3190	120	43	et	et	PROPN
easat-3190	120	44	al	al	PROPN
easat-3190	120	45	.	.	PROPN
easat-3190	120	46	,	,	PUNCT
easat-3190	120	47	2021b	2021b	NUM
easat-3190	120	48	,	,	PUNCT
easat-3190	120	49	2021a	2021a	NUM
easat-3190	120	50	;	;	PUNCT
easat-3190	120	51	ichwan	ichwan	PROPN
easat-3190	120	52	&	&	CCONJ
easat-3190	120	53	kasri	kasri	PROPN
easat-3190	120	54	,	,	PUNCT
easat-3190	120	55	2019	2019	NUM
easat-3190	120	56	;	;	PUNCT
easat-3190	120	57	kumra	kumra	NOUN
easat-3190	120	58	et	et	PROPN
easat-3190	120	59	al	al	PROPN
easat-3190	120	60	.	.	PROPN
easat-3190	120	61	,	,	PUNCT
easat-3190	120	62	2021	2021	NUM
easat-3190	120	63	)	)	PUNCT
easat-3190	120	64	.	.	PUNCT
easat-3190	121	1	theory	theory	NOUN
easat-3190	121	2	of	of	ADP
easat-3190	121	3	planned	plan	VERB
easat-3190	121	4	behavior	behavior	NOUN
easat-3190	121	5	(	(	PUNCT
easat-3190	121	6	tpb	tpb	NOUN
easat-3190	121	7	)	)	PUNCT
easat-3190	121	8	stated	state	VERB
easat-3190	121	9	by	by	ADP
easat-3190	121	10	several	several	ADJ
easat-3190	121	11	researchers	researcher	NOUN
easat-3190	121	12	in	in	ADP
easat-3190	121	13	their	their	PRON
easat-3190	121	14	articles	article	NOUN
easat-3190	121	15	,	,	PUNCT
easat-3190	121	16	including	include	VERB
easat-3190	121	17	:	:	PUNCT
easat-3190	121	18	(	(	PUNCT
easat-3190	121	19	darmansyah	darmansyah	NOUN
easat-3190	121	20	et	et	PROPN
easat-3190	121	21	al	al	PROPN
easat-3190	121	22	.	.	PROPN
easat-3190	121	23	,	,	PUNCT
easat-3190	121	24	2020	2020	NUM
easat-3190	121	25	;	;	PUNCT
easat-3190	121	26	ichwan	ichwan	PROPN
easat-3190	121	27	&	&	CCONJ
easat-3190	121	28	kasri	kasri	PROPN
easat-3190	121	29	,	,	PUNCT
easat-3190	121	30	2019	2019	NUM
easat-3190	121	31	;	;	PUNCT
easat-3190	121	32	kumra	kumra	NOUN
easat-3190	121	33	et	et	PROPN
easat-3190	121	34	al	al	PROPN
easat-3190	121	35	.	.	PROPN
easat-3190	121	36	,	,	PUNCT
easat-3190	121	37	2021	2021	NUM
easat-3190	121	38	;	;	PUNCT
easat-3190	121	39	solihat	solihat	ADP
easat-3190	121	40	,	,	PUNCT
easat-3190	121	41	hamundu	hamundu	NOUN
easat-3190	121	42	&	&	CCONJ
easat-3190	121	43	wahyu	wahyu	PROPN
easat-3190	121	44	,	,	PUNCT
easat-3190	121	45	2023	2023	NUM
easat-3190	121	46	;	;	PUNCT
easat-3190	121	47	tang	tang	X
easat-3190	121	48	et	et	PROPN
easat-3190	121	49	al	al	PROPN
easat-3190	121	50	.	.	PROPN
easat-3190	121	51	,	,	PUNCT
easat-3190	121	52	2020	2020	NUM
easat-3190	121	53	)	)	PUNCT
easat-3190	121	54	.	.	PUNCT
easat-3190	122	1	table	table	NOUN
easat-3190	122	2	5	5	NUM
easat-3190	122	3	.	.	PUNCT
easat-3190	122	4	top	top	ADJ
easat-3190	122	5	ten	ten	NUM
easat-3190	122	6	of	of	ADP
easat-3190	122	7	theories	theory	NOUN
easat-3190	122	8	applied	apply	VERB
easat-3190	122	9	in	in	ADP
easat-3190	122	10	the	the	DET
easat-3190	122	11	research	research	NOUN
easat-3190	122	12	.	.	PUNCT
easat-3190	123	1	theory	theory	NOUN
easat-3190	123	2	n	n	PRON
easat-3190	123	3	frequency	frequency	NOUN
easat-3190	123	4	asymmetry	asymmetry	NOUN
easat-3190	123	5	information	information	NOUN
easat-3190	123	6	22	22	NUM
easat-3190	123	7	10.0	10.0	NUM
easat-3190	123	8	%	%	NOUN
easat-3190	123	9	technology	technology	NOUN
easat-3190	123	10	acceptance	acceptance	NOUN
easat-3190	123	11	model	model	NOUN
easat-3190	123	12	(	(	PUNCT
easat-3190	123	13	tam	tam	PROPN
easat-3190	123	14	)	)	PUNCT
easat-3190	123	15	6	6	NUM
easat-3190	123	16	2.7	2.7	NUM
easat-3190	123	17	%	%	NOUN
easat-3190	123	18	theory	theory	NOUN
easat-3190	123	19	of	of	ADP
easat-3190	123	20	planned	plan	VERB
easat-3190	123	21	behavior	behavior	NOUN
easat-3190	123	22	(	(	PUNCT
easat-3190	123	23	tpb	tpb	NOUN
easat-3190	123	24	)	)	PUNCT
easat-3190	123	25	5	5	NUM
easat-3190	123	26	2.3	2.3	NUM
easat-3190	123	27	%	%	NOUN
easat-3190	123	28	prospect	prospect	NOUN
easat-3190	123	29	theory	theory	NOUN
easat-3190	123	30	4	4	NUM
easat-3190	123	31	1.8	1.8	NUM
easat-3190	123	32	%	%	NOUN
easat-3190	123	33	the	the	DET
easat-3190	123	34	social	social	ADJ
easat-3190	123	35	capital	capital	NOUN
easat-3190	123	36	theory	theory	NOUN
easat-3190	123	37	3	3	NUM
easat-3190	123	38	1.4	1.4	NUM
easat-3190	123	39	%	%	NOUN
easat-3190	123	40	signaling	signal	VERB
easat-3190	123	41	theory	theory	NOUN
easat-3190	123	42	3	3	NUM
easat-3190	123	43	1.4	1.4	NUM
easat-3190	123	44	%	%	NOUN
easat-3190	123	45	theory	theory	NOUN
easat-3190	123	46	development	development	NOUN
easat-3190	123	47	3	3	NUM
easat-3190	123	48	1.4	1.4	NUM
easat-3190	123	49	%	%	NOUN
easat-3190	123	50	contract	contract	NOUN
easat-3190	123	51	theory	theory	NOUN
easat-3190	123	52	3	3	NUM
easat-3190	123	53	1.4	1.4	NUM
easat-3190	123	54	%	%	NOUN
easat-3190	123	55	5342	5342	NUM
easat-3190	123	56	edelweiss	edelweiss	PROPN
easat-3190	123	57	applied	apply	VERB
easat-3190	123	58	science	science	NOUN
easat-3190	123	59	and	and	CCONJ
easat-3190	123	60	technology	technology	NOUN
easat-3190	123	61	issn	issn	PROPN
easat-3190	123	62	:	:	PUNCT
easat-3190	123	63	2576	2576	NUM
easat-3190	123	64	-	-	SYM
easat-3190	123	65	8484	8484	NUM
easat-3190	123	66	vol	vol	NOUN
easat-3190	123	67	.	.	PROPN
easat-3190	123	68	8	8	NUM
easat-3190	123	69	,	,	PUNCT
easat-3190	123	70	no	no	INTJ
easat-3190	123	71	.	.	NOUN
easat-3190	124	1	6	6	NUM
easat-3190	124	2	:	:	SYM
easat-3190	124	3	5336	5336	NUM
easat-3190	124	4	-	-	SYM
easat-3190	124	5	5348	5348	NUM
easat-3190	124	6	,	,	PUNCT
easat-3190	124	7	2024	2024	NUM
easat-3190	124	8	doi	doi	NOUN
easat-3190	124	9	:	:	PUNCT
easat-3190	124	10	10.55214/25768484.v8i6.3190	10.55214/25768484.v8i6.3190	NUM
easat-3190	124	11	©	©	ADP
easat-3190	124	12	2024	2024	NUM
easat-3190	124	13	by	by	ADP
easat-3190	124	14	the	the	DET
easat-3190	124	15	authors	author	NOUN
easat-3190	124	16	;	;	PUNCT
easat-3190	124	17	licensee	licensee	PROPN
easat-3190	124	18	learning	learning	PROPN
easat-3190	124	19	gate	gate	PROPN
easat-3190	124	20	theory	theory	NOUN
easat-3190	124	21	n	n	ADP
easat-3190	124	22	frequency	frequency	NOUN
easat-3190	124	23	decision	decision	NOUN
easat-3190	124	24	making	make	VERB
easat-3190	124	25	3	3	NUM
easat-3190	124	26	1.4	1.4	NUM
easat-3190	124	27	%	%	NOUN
easat-3190	124	28	theory	theory	NOUN
easat-3190	124	29	of	of	ADP
easat-3190	124	30	reasonable	reasonable	ADJ
easat-3190	124	31	action	action	NOUN
easat-3190	124	32	3	3	NUM
easat-3190	124	33	1.4	1.4	NUM
easat-3190	124	34	%	%	NOUN
easat-3190	124	35	3.6	3.6	NUM
easat-3190	124	36	.	.	PUNCT
easat-3190	125	1	bibliometrics	bibliometric	NOUN
easat-3190	125	2	analysis	analysis	NOUN
easat-3190	125	3	figure	figure	NOUN
easat-3190	125	4	3	3	NUM
easat-3190	125	5	reveals	reveal	VERB
easat-3190	125	6	the	the	DET
easat-3190	125	7	outcomes	outcome	NOUN
easat-3190	125	8	of	of	ADP
easat-3190	125	9	a	a	DET
easat-3190	125	10	bibliometric	bibliometric	ADJ
easat-3190	125	11	analysis	analysis	NOUN
easat-3190	125	12	using	use	VERB
easat-3190	125	13	the	the	DET
easat-3190	125	14	keywords	keyword	NOUN
easat-3190	125	15	of	of	ADP
easat-3190	125	16	the	the	DET
easat-3190	125	17	202	202	NUM
easat-3190	125	18	authors	author	NOUN
easat-3190	125	19	.	.	PUNCT
easat-3190	126	1	the	the	DET
easat-3190	126	2	size	size	NOUN
easat-3190	126	3	of	of	ADP
easat-3190	126	4	the	the	DET
easat-3190	126	5	circle	circle	NOUN
easat-3190	126	6	around	around	ADP
easat-3190	126	7	a	a	DET
easat-3190	126	8	term	term	NOUN
easat-3190	126	9	indicates	indicate	VERB
easat-3190	126	10	how	how	SCONJ
easat-3190	126	11	frequently	frequently	ADV
easat-3190	126	12	it	it	PRON
easat-3190	126	13	appears	appear	VERB
easat-3190	126	14	in	in	ADP
easat-3190	126	15	an	an	DET
easat-3190	126	16	article	article	NOUN
easat-3190	126	17	's	's	PART
easat-3190	126	18	keywords	keyword	NOUN
easat-3190	126	19	.	.	PUNCT
easat-3190	127	1	the	the	DET
easat-3190	127	2	colors	color	NOUN
easat-3190	127	3	,	,	PUNCT
easat-3190	127	4	however	however	ADV
easat-3190	127	5	,	,	PUNCT
easat-3190	127	6	represent	represent	VERB
easat-3190	127	7	groups	group	NOUN
easat-3190	127	8	that	that	PRON
easat-3190	127	9	indicate	indicate	VERB
easat-3190	127	10	how	how	SCONJ
easat-3190	127	11	often	often	ADV
easat-3190	127	12	specific	specific	ADJ
easat-3190	127	13	terms	term	NOUN
easat-3190	127	14	in	in	ADP
easat-3190	127	15	an	an	DET
easat-3190	127	16	article	article	NOUN
easat-3190	127	17	appeared	appear	VERB
easat-3190	127	18	together	together	ADV
easat-3190	127	19	the	the	DET
easat-3190	127	20	nearer	near	ADJ
easat-3190	127	21	.	.	PUNCT
easat-3190	128	1	the	the	PRON
easat-3190	128	2	more	more	ADV
easat-3190	128	3	closely	closely	ADV
easat-3190	128	4	related	relate	VERB
easat-3190	128	5	the	the	DET
easat-3190	128	6	words	word	NOUN
easat-3190	128	7	are	be	AUX
easat-3190	128	8	,	,	PUNCT
easat-3190	128	9	the	the	PRON
easat-3190	128	10	thicker	thick	ADJ
easat-3190	128	11	the	the	DET
easat-3190	128	12	linking	link	VERB
easat-3190	128	13	line	line	NOUN
easat-3190	128	14	.	.	PUNCT
easat-3190	129	1	the	the	DET
easat-3190	129	2	topic	topic	NOUN
easat-3190	129	3	of	of	ADP
easat-3190	129	4	peer	peer	NOUN
easat-3190	129	5	-	-	PUNCT
easat-3190	129	6	to	to	ADP
easat-3190	129	7	-	-	PUNCT
easat-3190	129	8	peer	peer	NOUN
easat-3190	129	9	lending	lending	NOUN
easat-3190	129	10	is	be	AUX
easat-3190	129	11	discussed	discuss	VERB
easat-3190	129	12	in	in	ADP
easat-3190	129	13	this	this	DET
easat-3190	129	14	study	study	NOUN
easat-3190	129	15	.	.	PUNCT
easat-3190	130	1	hence	hence	ADV
easat-3190	130	2	,	,	PUNCT
easat-3190	130	3	the	the	DET
easat-3190	130	4	term	term	NOUN
easat-3190	130	5	frequently	frequently	ADV
easat-3190	130	6	occurs	occur	VERB
easat-3190	130	7	is	be	AUX
easat-3190	130	8	peer	peer	NOUN
easat-3190	130	9	-	-	PUNCT
easat-3190	130	10	to	to	ADP
easat-3190	130	11	-	-	PUNCT
easat-3190	130	12	peer	peer	NOUN
easat-3190	130	13	lending	lending	NOUN
easat-3190	130	14	,	,	PUNCT
easat-3190	130	15	represented	represent	VERB
easat-3190	130	16	by	by	ADP
easat-3190	130	17	the	the	DET
easat-3190	130	18	largest	large	ADJ
easat-3190	130	19	circle	circle	NOUN
easat-3190	130	20	in	in	ADP
easat-3190	130	21	figure	figure	NOUN
easat-3190	130	22	3	3	NUM
easat-3190	130	23	and	and	CCONJ
easat-3190	130	24	depicted	depict	VERB
easat-3190	130	25	in	in	ADP
easat-3190	130	26	yellow	yellow	ADJ
easat-3190	130	27	.	.	PUNCT
easat-3190	131	1	there	there	PRON
easat-3190	131	2	are	be	VERB
easat-3190	131	3	six	six	NUM
easat-3190	131	4	groups	group	NOUN
easat-3190	131	5	of	of	ADP
easat-3190	131	6	topics	topic	NOUN
easat-3190	131	7	,	,	PUNCT
easat-3190	131	8	each	each	PRON
easat-3190	131	9	of	of	ADP
easat-3190	131	10	which	which	PRON
easat-3190	131	11	has	have	VERB
easat-3190	131	12	a	a	DET
easat-3190	131	13	unique	unique	ADJ
easat-3190	131	14	hue	hue	NOUN
easat-3190	131	15	.	.	PUNCT
easat-3190	132	1	cluster	cluster	NOUN
easat-3190	132	2	1	1	NUM
easat-3190	132	3	(	(	PUNCT
easat-3190	132	4	pink	pink	ADJ
easat-3190	132	5	)	)	PUNCT
easat-3190	132	6	,	,	PUNCT
easat-3190	132	7	called	call	VERB
easat-3190	132	8	financial	financial	ADJ
easat-3190	132	9	sector	sector	NOUN
easat-3190	132	10	dynamics	dynamic	NOUN
easat-3190	132	11	,	,	PUNCT
easat-3190	132	12	comprises	comprise	VERB
easat-3190	132	13	seven	seven	NUM
easat-3190	132	14	items	item	NOUN
easat-3190	132	15	:	:	PUNCT
easat-3190	132	16	banking	banking	NOUN
easat-3190	132	17	,	,	PUNCT
easat-3190	132	18	financial	financial	ADJ
easat-3190	132	19	crisis	crisis	NOUN
easat-3190	132	20	,	,	PUNCT
easat-3190	132	21	financial	financial	ADJ
easat-3190	132	22	market	market	NOUN
easat-3190	132	23	,	,	PUNCT
easat-3190	132	24	financial	financial	ADJ
easat-3190	132	25	services	service	NOUN
easat-3190	132	26	,	,	PUNCT
easat-3190	132	27	investment	investment	NOUN
easat-3190	132	28	,	,	PUNCT
easat-3190	132	29	lending	lending	NOUN
easat-3190	132	30	behavior	behavior	NOUN
easat-3190	132	31	,	,	PUNCT
easat-3190	132	32	and	and	CCONJ
easat-3190	132	33	survival	survival	NOUN
easat-3190	132	34	analysis	analysis	NOUN
easat-3190	132	35	—	—	PUNCT
easat-3190	132	36	cluster	cluster	NOUN
easat-3190	132	37	2	2	NUM
easat-3190	132	38	(	(	PUNCT
easat-3190	132	39	green	green	ADJ
easat-3190	132	40	)	)	PUNCT
easat-3190	132	41	algorithmic	algorithmic	ADJ
easat-3190	132	42	decision	decision	NOUN
easat-3190	132	43	framework	framework	NOUN
easat-3190	132	44	.	.	PUNCT
easat-3190	133	1	the	the	DET
easat-3190	133	2	set	set	NOUN
easat-3190	133	3	comprises	comprise	VERB
easat-3190	133	4	seven	seven	NUM
easat-3190	133	5	elements	element	NOUN
easat-3190	133	6	:	:	PUNCT
easat-3190	133	7	credit	credit	NOUN
easat-3190	133	8	scoring	scoring	NOUN
easat-3190	133	9	,	,	PUNCT
easat-3190	133	10	decisionmaking	decisionmaking	NOUN
easat-3190	133	11	,	,	PUNCT
easat-3190	133	12	finance	finance	NOUN
easat-3190	133	13	,	,	PUNCT
easat-3190	133	14	forecasting	forecasting	NOUN
easat-3190	133	15	,	,	PUNCT
easat-3190	133	16	machine	machine	NOUN
easat-3190	133	17	learning	learning	NOUN
easat-3190	133	18	,	,	PUNCT
easat-3190	133	19	peer	peer	NOUN
easat-3190	133	20	-	-	PUNCT
easat-3190	133	21	to	to	ADP
easat-3190	133	22	-	-	PUNCT
easat-3190	133	23	peer	peer	NOUN
easat-3190	133	24	networks	network	NOUN
easat-3190	133	25	,	,	PUNCT
easat-3190	133	26	and	and	CCONJ
easat-3190	133	27	soft	soft	ADJ
easat-3190	133	28	information	information	NOUN
easat-3190	133	29	.	.	PUNCT
easat-3190	134	1	cluster	cluster	NOUN
easat-3190	134	2	3	3	NUM
easat-3190	134	3	(	(	PUNCT
easat-3190	134	4	blue	blue	NOUN
easat-3190	134	5	)	)	PUNCT
easat-3190	134	6	,	,	PUNCT
easat-3190	134	7	connected	connected	ADJ
easat-3190	134	8	business	business	NOUN
easat-3190	134	9	infotech	infotech	NOUN
easat-3190	134	10	,	,	PUNCT
easat-3190	134	11	comprises	comprise	VERB
easat-3190	134	12	four	four	NUM
easat-3190	134	13	elements	element	NOUN
easat-3190	134	14	:	:	PUNCT
easat-3190	134	15	asymmetric	asymmetric	ADJ
easat-3190	134	16	information	information	NOUN
easat-3190	134	17	,	,	PUNCT
easat-3190	134	18	business	business	NOUN
easat-3190	134	19	development	development	NOUN
easat-3190	134	20	,	,	PUNCT
easat-3190	134	21	interest	interest	NOUN
easat-3190	134	22	rate	rate	NOUN
easat-3190	134	23	,	,	PUNCT
easat-3190	134	24	and	and	CCONJ
easat-3190	134	25	internet	internet	NOUN
easat-3190	134	26	.	.	PUNCT
easat-3190	135	1	yellow	yellow	PROPN
easat-3190	135	2	serves	serve	VERB
easat-3190	135	3	as	as	ADP
easat-3190	135	4	the	the	DET
easat-3190	135	5	symbol	symbol	NOUN
easat-3190	135	6	for	for	ADP
easat-3190	135	7	cluster	cluster	NOUN
easat-3190	135	8	4	4	NUM
easat-3190	135	9	,	,	PUNCT
easat-3190	135	10	which	which	PRON
easat-3190	135	11	focuses	focus	VERB
easat-3190	135	12	on	on	ADP
easat-3190	135	13	the	the	DET
easat-3190	135	14	interaction	interaction	NOUN
easat-3190	135	15	of	of	ADP
easat-3190	135	16	risk	risk	NOUN
easat-3190	135	17	and	and	CCONJ
easat-3190	135	18	technology	technology	NOUN
easat-3190	135	19	.	.	PUNCT
easat-3190	136	1	it	it	PRON
easat-3190	136	2	includes	include	VERB
easat-3190	136	3	topics	topic	NOUN
easat-3190	136	4	such	such	ADJ
easat-3190	136	5	as	as	ADP
easat-3190	136	6	asymmetric	asymmetric	ADJ
easat-3190	136	7	information	information	NOUN
easat-3190	136	8	,	,	PUNCT
easat-3190	136	9	business	business	NOUN
easat-3190	136	10	development	development	NOUN
easat-3190	136	11	,	,	PUNCT
easat-3190	136	12	interest	interest	NOUN
easat-3190	136	13	rates	rate	NOUN
easat-3190	136	14	,	,	PUNCT
easat-3190	136	15	and	and	CCONJ
easat-3190	136	16	the	the	DET
easat-3190	136	17	internet	internet	NOUN
easat-3190	136	18	.	.	PUNCT
easat-3190	137	1	cluster	cluster	NOUN
easat-3190	137	2	5	5	NUM
easat-3190	137	3	,	,	PUNCT
easat-3190	137	4	represented	represent	VERB
easat-3190	137	5	by	by	ADP
easat-3190	137	6	purple	purple	NOUN
easat-3190	137	7	,	,	PUNCT
easat-3190	137	8	is	be	AUX
easat-3190	137	9	a	a	DET
easat-3190	137	10	peer	peer	NOUN
easat-3190	137	11	-	-	PUNCT
easat-3190	137	12	to	to	ADP
easat-3190	137	13	-	-	PUNCT
easat-3190	137	14	peer	peer	NOUN
easat-3190	137	15	market	market	NOUN
easat-3190	137	16	crowdfunding	crowdfunding	NOUN
easat-3190	137	17	center	center	NOUN
easat-3190	137	18	encompassing	encompass	VERB
easat-3190	137	19	commerce	commerce	NOUN
easat-3190	137	20	,	,	PUNCT
easat-3190	137	21	crowdfunding	crowdfunding	NOUN
easat-3190	137	22	,	,	PUNCT
easat-3190	137	23	emerging	emerge	VERB
easat-3190	137	24	markets	market	NOUN
easat-3190	137	25	,	,	PUNCT
easat-3190	137	26	and	and	CCONJ
easat-3190	137	27	investments	investment	NOUN
easat-3190	137	28	.	.	PUNCT
easat-3190	138	1	cluster	cluster	NOUN
easat-3190	138	2	6	6	NUM
easat-3190	138	3	,	,	PUNCT
easat-3190	138	4	represented	represent	VERB
easat-3190	138	5	by	by	ADP
easat-3190	138	6	light	light	ADJ
easat-3190	138	7	blue	blue	NOUN
easat-3190	138	8	,	,	PUNCT
easat-3190	138	9	is	be	AUX
easat-3190	138	10	an	an	DET
easat-3190	138	11	alliance	alliance	NOUN
easat-3190	138	12	focused	focus	VERB
easat-3190	138	13	on	on	ADP
easat-3190	138	14	financial	financial	ADJ
easat-3190	138	15	innovation	innovation	NOUN
easat-3190	138	16	.	.	PUNCT
easat-3190	139	1	it	it	PRON
easat-3190	139	2	comprises	comprise	VERB
easat-3190	139	3	commercial	commercial	ADJ
easat-3190	139	4	banks	bank	NOUN
easat-3190	139	5	,	,	PUNCT
easat-3190	139	6	internet	internet	NOUN
easat-3190	139	7	finance	finance	NOUN
easat-3190	139	8	,	,	PUNCT
easat-3190	139	9	and	and	CCONJ
easat-3190	139	10	microfinance	microfinance	NOUN
easat-3190	139	11	institutions	institution	NOUN
easat-3190	139	12	.	.	PUNCT
easat-3190	140	1	figure	figure	VERB
easat-3190	140	2	3	3	NUM
easat-3190	140	3	.	.	PUNCT
easat-3190	140	4	network	network	NOUN
easat-3190	140	5	visualization	visualization	NOUN
easat-3190	140	6	.	.	PUNCT
easat-3190	141	1	5343	5343	NUM
easat-3190	141	2	edelweiss	edelweiss	PROPN
easat-3190	141	3	applied	apply	VERB
easat-3190	141	4	science	science	NOUN
easat-3190	141	5	and	and	CCONJ
easat-3190	141	6	technology	technology	NOUN
easat-3190	141	7	issn	issn	PROPN
easat-3190	141	8	:	:	PUNCT
easat-3190	141	9	2576	2576	NUM
easat-3190	141	10	-	-	SYM
easat-3190	141	11	8484	8484	NUM
easat-3190	141	12	vol	vol	NOUN
easat-3190	141	13	.	.	PROPN
easat-3190	141	14	8	8	NUM
easat-3190	141	15	,	,	PUNCT
easat-3190	141	16	no	no	INTJ
easat-3190	141	17	.	.	NOUN
easat-3190	142	1	6	6	NUM
easat-3190	142	2	:	:	SYM
easat-3190	142	3	5336	5336	NUM
easat-3190	142	4	-	-	SYM
easat-3190	142	5	5348	5348	NUM
easat-3190	142	6	,	,	PUNCT
easat-3190	142	7	2024	2024	NUM
easat-3190	142	8	doi	doi	NOUN
easat-3190	142	9	:	:	PUNCT
easat-3190	142	10	10.55214/25768484.v8i6.3190	10.55214/25768484.v8i6.3190	NUM
easat-3190	142	11	©	©	ADP
easat-3190	142	12	2024	2024	NUM
easat-3190	142	13	by	by	ADP
easat-3190	142	14	the	the	DET
easat-3190	142	15	authors	author	NOUN
easat-3190	142	16	;	;	PUNCT
easat-3190	142	17	licensee	licensee	PROPN
easat-3190	142	18	learning	learning	NOUN
easat-3190	142	19	gate	gate	NOUN
easat-3190	142	20	3.7	3.7	NUM
easat-3190	142	21	.	.	PUNCT
easat-3190	143	1	existing	exist	VERB
easat-3190	143	2	research	research	NOUN
easat-3190	143	3	findings	finding	NOUN
easat-3190	143	4	and	and	CCONJ
easat-3190	143	5	discussion	discussion	NOUN
easat-3190	143	6	figure	figure	NOUN
easat-3190	143	7	3	3	NUM
easat-3190	143	8	illustrates	illustrate	VERB
easat-3190	143	9	that	that	SCONJ
easat-3190	143	10	prior	prior	ADJ
easat-3190	143	11	studies	study	NOUN
easat-3190	143	12	on	on	ADP
easat-3190	143	13	p2p	p2p	NOUN
easat-3190	143	14	lending	lending	NOUN
easat-3190	143	15	were	be	AUX
easat-3190	143	16	categorized	categorize	VERB
easat-3190	143	17	into	into	ADP
easat-3190	143	18	six	six	NUM
easat-3190	143	19	distinct	distinct	ADJ
easat-3190	143	20	clusters	cluster	NOUN
easat-3190	143	21	.	.	PUNCT
easat-3190	144	1	however	however	ADV
easat-3190	144	2	,	,	PUNCT
easat-3190	144	3	this	this	DET
easat-3190	144	4	paper	paper	NOUN
easat-3190	144	5	will	will	AUX
easat-3190	144	6	specifically	specifically	ADV
easat-3190	144	7	examine	examine	VERB
easat-3190	144	8	2	2	NUM
easat-3190	144	9	clusters	cluster	NOUN
easat-3190	144	10	garnered	garner	VERB
easat-3190	144	11	significant	significant	ADJ
easat-3190	144	12	attention	attention	NOUN
easat-3190	144	13	from	from	ADP
easat-3190	144	14	previous	previous	ADJ
easat-3190	144	15	researchers	researcher	NOUN
easat-3190	144	16	:	:	PUNCT
easat-3190	144	17	the	the	DET
easat-3190	144	18	financial	financial	ADJ
easat-3190	144	19	sector	sector	NOUN
easat-3190	144	20	dynamic	dynamic	ADJ
easat-3190	144	21	cluster	cluster	NOUN
easat-3190	144	22	and	and	CCONJ
easat-3190	144	23	the	the	DET
easat-3190	144	24	decision	decision	NOUN
easat-3190	144	25	framework	framework	NOUN
easat-3190	144	26	algorithm	algorithm	NOUN
easat-3190	144	27	cluster	cluster	NOUN
easat-3190	144	28	.	.	PUNCT
easat-3190	145	1	3.7.1	3.7.1	X
easat-3190	145	2	.	.	PUNCT
easat-3190	145	3	financial	financial	ADJ
easat-3190	145	4	sector	sector	NOUN
easat-3190	145	5	dynamics	dynamic	NOUN
easat-3190	145	6	financial	financial	ADJ
easat-3190	145	7	sector	sector	NOUN
easat-3190	145	8	dynamics	dynamic	NOUN
easat-3190	145	9	refer	refer	VERB
easat-3190	145	10	to	to	ADP
easat-3190	145	11	the	the	DET
easat-3190	145	12	changes	change	NOUN
easat-3190	145	13	,	,	PUNCT
easat-3190	145	14	movements	movement	NOUN
easat-3190	145	15	,	,	PUNCT
easat-3190	145	16	and	and	CCONJ
easat-3190	145	17	activities	activity	NOUN
easat-3190	145	18	occurring	occur	VERB
easat-3190	145	19	within	within	ADP
easat-3190	145	20	the	the	DET
easat-3190	145	21	financial	financial	ADJ
easat-3190	145	22	sector	sector	NOUN
easat-3190	145	23	of	of	ADP
easat-3190	145	24	an	an	DET
easat-3190	145	25	economy	economy	NOUN
easat-3190	145	26	.	.	PUNCT
easat-3190	146	1	this	this	PRON
easat-3190	146	2	refers	refer	VERB
easat-3190	146	3	to	to	ADP
easat-3190	146	4	the	the	DET
easat-3190	146	5	complex	complex	ADJ
easat-3190	146	6	interaction	interaction	NOUN
easat-3190	146	7	of	of	ADP
easat-3190	146	8	various	various	ADJ
easat-3190	146	9	elements	element	NOUN
easat-3190	146	10	within	within	ADP
easat-3190	146	11	the	the	DET
easat-3190	146	12	financial	financial	ADJ
easat-3190	146	13	system	system	NOUN
easat-3190	146	14	,	,	PUNCT
easat-3190	146	15	including	include	VERB
easat-3190	146	16	financial	financial	ADJ
easat-3190	146	17	institutions	institution	NOUN
easat-3190	146	18	,	,	PUNCT
easat-3190	146	19	financial	financial	ADJ
easat-3190	146	20	markets	market	NOUN
easat-3190	146	21	,	,	PUNCT
easat-3190	146	22	financial	financial	ADJ
easat-3190	146	23	products	product	NOUN
easat-3190	146	24	,	,	PUNCT
easat-3190	146	25	and	and	CCONJ
easat-3190	146	26	other	other	ADJ
easat-3190	146	27	economic	economic	ADJ
easat-3190	146	28	organizations	organization	NOUN
easat-3190	146	29	.	.	PUNCT
easat-3190	147	1	various	various	ADJ
easat-3190	147	2	factors	factor	NOUN
easat-3190	147	3	,	,	PUNCT
easat-3190	147	4	including	include	VERB
easat-3190	147	5	monetary	monetary	ADJ
easat-3190	147	6	policy	policy	NOUN
easat-3190	147	7	,	,	PUNCT
easat-3190	147	8	financial	financial	ADJ
easat-3190	147	9	regulations	regulation	NOUN
easat-3190	147	10	,	,	PUNCT
easat-3190	147	11	economic	economic	ADJ
easat-3190	147	12	volatility	volatility	NOUN
easat-3190	147	13	,	,	PUNCT
easat-3190	147	14	improvements	improvement	NOUN
easat-3190	147	15	in	in	ADP
easat-3190	147	16	financial	financial	ADJ
easat-3190	147	17	technology	technology	NOUN
easat-3190	147	18	,	,	PUNCT
easat-3190	147	19	and	and	CCONJ
easat-3190	147	20	changes	change	NOUN
easat-3190	147	21	in	in	ADP
easat-3190	147	22	consumer	consumer	NOUN
easat-3190	147	23	behavior	behavior	NOUN
easat-3190	147	24	can	can	AUX
easat-3190	147	25	impact	impact	VERB
easat-3190	147	26	the	the	DET
easat-3190	147	27	dynamics	dynamic	NOUN
easat-3190	147	28	of	of	ADP
easat-3190	147	29	the	the	DET
easat-3190	147	30	financial	financial	ADJ
easat-3190	147	31	sector	sector	NOUN
easat-3190	147	32	.	.	PUNCT
easat-3190	148	1	prior	prior	ADJ
easat-3190	148	2	studies	study	NOUN
easat-3190	148	3	in	in	ADP
easat-3190	148	4	the	the	DET
easat-3190	148	5	financial	financial	ADJ
easat-3190	148	6	sector	sector	NOUN
easat-3190	148	7	have	have	AUX
easat-3190	148	8	focused	focus	VERB
easat-3190	148	9	on	on	ADP
easat-3190	148	10	the	the	DET
easat-3190	148	11	behavioral	behavioral	ADJ
easat-3190	148	12	aspects	aspect	NOUN
easat-3190	148	13	of	of	ADP
easat-3190	148	14	p2p	p2p	NOUN
easat-3190	148	15	lending	lending	NOUN
easat-3190	148	16	,	,	PUNCT
easat-3190	148	17	examining	examine	VERB
easat-3190	148	18	the	the	DET
easat-3190	148	19	behavior	behavior	NOUN
easat-3190	148	20	of	of	ADP
easat-3190	148	21	both	both	DET
easat-3190	148	22	lenders	lender	NOUN
easat-3190	148	23	and	and	CCONJ
easat-3190	148	24	borrowers	borrower	NOUN
easat-3190	148	25	.	.	PUNCT
easat-3190	149	1	the	the	DET
easat-3190	149	2	study	study	NOUN
easat-3190	149	3	conducted	conduct	VERB
easat-3190	149	4	by	by	ADP
easat-3190	149	5	(	(	PUNCT
easat-3190	149	6	shao	shao	PROPN
easat-3190	149	7	&	&	CCONJ
easat-3190	149	8	bo	bo	PROPN
easat-3190	149	9	,	,	PUNCT
easat-3190	149	10	2022b	2022b	NUM
easat-3190	149	11	)	)	PUNCT
easat-3190	149	12	presents	present	VERB
easat-3190	149	13	compelling	compelling	ADJ
easat-3190	149	14	data	datum	NOUN
easat-3190	149	15	demonstrating	demonstrate	VERB
easat-3190	149	16	that	that	SCONJ
easat-3190	149	17	behavioral	behavioral	ADJ
easat-3190	149	18	aspects	aspect	NOUN
easat-3190	149	19	exhibited	exhibit	VERB
easat-3190	149	20	by	by	ADP
easat-3190	149	21	p2p	p2p	NOUN
easat-3190	149	22	platforms	platform	NOUN
easat-3190	149	23	greatly	greatly	ADV
easat-3190	149	24	influence	influence	VERB
easat-3190	149	25	the	the	DET
easat-3190	149	26	p2p	p2p	NOUN
easat-3190	149	27	lending	lending	NOUN
easat-3190	149	28	industry	industry	NOUN
easat-3190	149	29	in	in	ADP
easat-3190	149	30	china	china	PROPN
easat-3190	149	31	.	.	PUNCT
easat-3190	150	1	the	the	DET
easat-3190	150	2	impact	impact	NOUN
easat-3190	150	3	on	on	ADP
easat-3190	150	4	behavior	behavior	NOUN
easat-3190	150	5	becomes	become	VERB
easat-3190	150	6	more	more	ADV
easat-3190	150	7	significant	significant	ADJ
easat-3190	150	8	when	when	SCONJ
easat-3190	150	9	the	the	DET
easat-3190	150	10	problem	problem	NOUN
easat-3190	150	11	of	of	ADP
easat-3190	150	12	asymmetric	asymmetric	ADJ
easat-3190	150	13	knowledge	knowledge	NOUN
easat-3190	150	14	is	be	AUX
easat-3190	150	15	more	more	ADV
easat-3190	150	16	severe	severe	ADJ
easat-3190	150	17	between	between	ADP
easat-3190	150	18	investors	investor	NOUN
easat-3190	150	19	and	and	CCONJ
easat-3190	150	20	p2p	p2p	NOUN
easat-3190	150	21	platforms	platform	NOUN
easat-3190	150	22	.	.	PUNCT
easat-3190	151	1	a	a	DET
easat-3190	151	2	study	study	NOUN
easat-3190	151	3	(	(	PUNCT
easat-3190	151	4	ichwan	ichwan	PROPN
easat-3190	151	5	&	&	CCONJ
easat-3190	151	6	kasri	kasri	PROPN
easat-3190	151	7	,	,	PUNCT
easat-3190	151	8	2019	2019	NUM
easat-3190	151	9	)	)	PUNCT
easat-3190	151	10	analyzed	analyze	VERB
easat-3190	151	11	the	the	DET
easat-3190	151	12	determinants	determinant	NOUN
easat-3190	151	13	that	that	PRON
easat-3190	151	14	impact	impact	VERB
easat-3190	151	15	the	the	DET
easat-3190	151	16	inclination	inclination	NOUN
easat-3190	151	17	of	of	ADP
easat-3190	151	18	young	young	ADJ
easat-3190	151	19	individuals	individual	NOUN
easat-3190	151	20	,	,	PUNCT
easat-3190	151	21	specifically	specifically	ADV
easat-3190	151	22	millennials	millennial	NOUN
easat-3190	151	23	,	,	PUNCT
easat-3190	151	24	to	to	PART
easat-3190	151	25	engage	engage	VERB
easat-3190	151	26	in	in	ADP
easat-3190	151	27	peer	peer	NOUN
easat-3190	151	28	-	-	PUNCT
easat-3190	151	29	to	to	ADP
easat-3190	151	30	-	-	PUNCT
easat-3190	151	31	peer	peer	NOUN
easat-3190	151	32	(	(	PUNCT
easat-3190	151	33	p2p	p2p	NOUN
easat-3190	151	34	)	)	PUNCT
easat-3190	151	35	lending	lending	NOUN
easat-3190	151	36	.	.	PUNCT
easat-3190	152	1	based	base	VERB
easat-3190	152	2	on	on	ADP
easat-3190	152	3	a	a	DET
easat-3190	152	4	sample	sample	NOUN
easat-3190	152	5	of	of	ADP
easat-3190	152	6	around	around	ADV
easat-3190	152	7	400	400	NUM
easat-3190	152	8	young	young	ADJ
easat-3190	152	9	participants	participant	NOUN
easat-3190	152	10	,	,	PUNCT
easat-3190	152	11	the	the	DET
easat-3190	152	12	study	study	NOUN
easat-3190	152	13	's	's	PART
easat-3190	152	14	findings	finding	NOUN
easat-3190	152	15	suggest	suggest	VERB
easat-3190	152	16	a	a	DET
easat-3190	152	17	positive	positive	ADJ
easat-3190	152	18	correlation	correlation	NOUN
easat-3190	152	19	between	between	ADP
easat-3190	152	20	investment	investment	NOUN
easat-3190	152	21	intention	intention	NOUN
easat-3190	152	22	in	in	ADP
easat-3190	152	23	p2p	p2p	NOUN
easat-3190	152	24	lending	lending	NOUN
easat-3190	152	25	and	and	CCONJ
easat-3190	152	26	attitude	attitude	NOUN
easat-3190	152	27	characteristics	characteristic	NOUN
easat-3190	152	28	,	,	PUNCT
easat-3190	152	29	indicating	indicate	VERB
easat-3190	152	30	that	that	SCONJ
easat-3190	152	31	the	the	DET
easat-3190	152	32	latter	latter	ADJ
easat-3190	152	33	influences	influence	VERB
easat-3190	152	34	the	the	DET
easat-3190	152	35	former	former	NOUN
easat-3190	152	36	.	.	PUNCT
easat-3190	153	1	the	the	DET
easat-3190	153	2	attitude	attitude	NOUN
easat-3190	153	3	variables	variable	NOUN
easat-3190	153	4	are	be	AUX
easat-3190	153	5	influenced	influence	VERB
easat-3190	153	6	by	by	ADP
easat-3190	153	7	perceived	perceive	VERB
easat-3190	153	8	ease	ease	NOUN
easat-3190	153	9	of	of	ADP
easat-3190	153	10	use	use	NOUN
easat-3190	153	11	,	,	PUNCT
easat-3190	153	12	knowledge	knowledge	NOUN
easat-3190	153	13	,	,	PUNCT
easat-3190	153	14	and	and	CCONJ
easat-3190	153	15	trust	trust	NOUN
easat-3190	153	16	in	in	ADP
easat-3190	153	17	p2p	p2p	NOUN
easat-3190	153	18	lending	lending	NOUN
easat-3190	153	19	.	.	PUNCT
easat-3190	154	1	according	accord	VERB
easat-3190	154	2	to	to	ADP
easat-3190	154	3	(	(	PUNCT
easat-3190	154	4	gonzalez	gonzalez	PROPN
easat-3190	154	5	,	,	PUNCT
easat-3190	154	6	2020	2020	NUM
easat-3190	154	7	)	)	PUNCT
easat-3190	154	8	,	,	PUNCT
easat-3190	154	9	investor	investor	NOUN
easat-3190	154	10	judgments	judgment	NOUN
easat-3190	154	11	in	in	ADP
easat-3190	154	12	funding	funding	NOUN
easat-3190	154	13	loans	loan	NOUN
easat-3190	154	14	are	be	AUX
easat-3190	154	15	also	also	ADV
easat-3190	154	16	influenced	influence	VERB
easat-3190	154	17	by	by	ADP
easat-3190	154	18	investors	investor	NOUN
easat-3190	154	19	'	'	PART
easat-3190	154	20	experience	experience	NOUN
easat-3190	154	21	of	of	ADP
easat-3190	154	22	financial	financial	ADJ
easat-3190	154	23	trauma	trauma	NOUN
easat-3190	154	24	.	.	PUNCT
easat-3190	155	1	investors	investor	NOUN
easat-3190	155	2	who	who	PRON
easat-3190	155	3	have	have	AUX
easat-3190	155	4	experienced	experience	VERB
easat-3190	155	5	financial	financial	ADJ
easat-3190	155	6	stress	stress	NOUN
easat-3190	155	7	are	be	AUX
easat-3190	155	8	more	more	ADV
easat-3190	155	9	inclined	inclined	ADJ
easat-3190	155	10	to	to	PART
easat-3190	155	11	engage	engage	VERB
easat-3190	155	12	in	in	ADP
easat-3190	155	13	herding	herd	VERB
easat-3190	155	14	behavior	behavior	NOUN
easat-3190	155	15	and	and	CCONJ
easat-3190	155	16	provide	provide	VERB
easat-3190	155	17	larger	large	ADJ
easat-3190	155	18	loans	loan	NOUN
easat-3190	155	19	to	to	ADP
easat-3190	155	20	borrowers	borrower	NOUN
easat-3190	155	21	whom	whom	PRON
easat-3190	155	22	other	other	ADJ
easat-3190	155	23	investors	investor	NOUN
easat-3190	155	24	trust	trust	PROPN
easat-3190	155	25	.	.	PUNCT
easat-3190	156	1	researchers	researcher	NOUN
easat-3190	156	2	are	be	AUX
easat-3190	156	3	also	also	ADV
easat-3190	156	4	concerned	concerned	ADJ
easat-3190	156	5	about	about	ADP
easat-3190	156	6	the	the	DET
easat-3190	156	7	factors	factor	NOUN
easat-3190	156	8	influencing	influence	VERB
easat-3190	156	9	borrowers	borrower	NOUN
easat-3190	156	10	'	'	PART
easat-3190	156	11	interest	interest	NOUN
easat-3190	156	12	in	in	ADP
easat-3190	156	13	p2p	p2p	NOUN
easat-3190	156	14	lending	lending	NOUN
easat-3190	156	15	.	.	PUNCT
easat-3190	157	1	the	the	DET
easat-3190	157	2	study	study	NOUN
easat-3190	157	3	conducted	conduct	VERB
easat-3190	157	4	by	by	ADP
easat-3190	157	5	(	(	PUNCT
easat-3190	157	6	solihat	solihat	ADJ
easat-3190	157	7	,	,	PUNCT
easat-3190	157	8	hamundu	hamundu	NOUN
easat-3190	157	9	,	,	PUNCT
easat-3190	157	10	hendrian	hendrian	PROPN
easat-3190	157	11	,	,	PUNCT
easat-3190	157	12	et	et	PROPN
easat-3190	157	13	al	al	PROPN
easat-3190	157	14	.	.	PROPN
easat-3190	157	15	,	,	PUNCT
easat-3190	157	16	2023	2023	NUM
easat-3190	157	17	)	)	PUNCT
easat-3190	157	18	examined	examine	VERB
easat-3190	157	19	the	the	DET
easat-3190	157	20	factors	factor	NOUN
easat-3190	157	21	that	that	PRON
easat-3190	157	22	impact	impact	VERB
easat-3190	157	23	small	small	ADJ
easat-3190	157	24	and	and	CCONJ
easat-3190	157	25	medium	medium	ADJ
easat-3190	157	26	enterprises	enterprise	NOUN
easat-3190	157	27	(	(	PUNCT
easat-3190	157	28	smes	sme	NOUN
easat-3190	157	29	)	)	PUNCT
easat-3190	157	30	in	in	ADP
easat-3190	157	31	indonesia	indonesia	PROPN
easat-3190	157	32	through	through	ADP
easat-3190	157	33	peer	peer	NOUN
easat-3190	157	34	-	-	PUNCT
easat-3190	157	35	to	to	ADP
easat-3190	157	36	-	-	PUNCT
easat-3190	157	37	peer	peer	NOUN
easat-3190	157	38	(	(	PUNCT
easat-3190	157	39	p2p	p2p	NOUN
easat-3190	157	40	)	)	PUNCT
easat-3190	157	41	lending	lending	NOUN
easat-3190	157	42	.	.	PUNCT
easat-3190	158	1	the	the	DET
easat-3190	158	2	findings	finding	NOUN
easat-3190	158	3	revealed	reveal	VERB
easat-3190	158	4	that	that	SCONJ
easat-3190	158	5	five	five	NUM
easat-3190	158	6	variables	variable	NOUN
easat-3190	158	7	,	,	PUNCT
easat-3190	158	8	including	include	VERB
easat-3190	158	9	performance	performance	NOUN
easat-3190	158	10	expectancy	expectancy	NOUN
easat-3190	158	11	,	,	PUNCT
easat-3190	158	12	social	social	ADJ
easat-3190	158	13	influence	influence	NOUN
easat-3190	158	14	,	,	PUNCT
easat-3190	158	15	price	price	NOUN
easat-3190	158	16	value	value	NOUN
easat-3190	158	17	,	,	PUNCT
easat-3190	158	18	hedonic	hedonic	ADJ
easat-3190	158	19	motivation	motivation	NOUN
easat-3190	158	20	,	,	PUNCT
easat-3190	158	21	and	and	CCONJ
easat-3190	158	22	effort	effort	NOUN
easat-3190	158	23	expectancy	expectancy	NOUN
easat-3190	158	24	,	,	PUNCT
easat-3190	158	25	substantially	substantially	ADV
easat-3190	158	26	influenced	influence	VERB
easat-3190	158	27	msmes	msme	NOUN
easat-3190	158	28	.	.	PUNCT
easat-3190	159	1	another	another	DET
easat-3190	159	2	factor	factor	NOUN
easat-3190	159	3	that	that	PRON
easat-3190	159	4	influences	influence	VERB
easat-3190	159	5	interest	interest	NOUN
easat-3190	159	6	in	in	ADP
easat-3190	159	7	using	use	VERB
easat-3190	159	8	p2p	p2p	NOUN
easat-3190	159	9	lending	lending	NOUN
easat-3190	159	10	is	be	AUX
easat-3190	159	11	attitude	attitude	NOUN
easat-3190	159	12	(	(	PUNCT
easat-3190	159	13	liang	liang	PROPN
easat-3190	159	14	&	&	CCONJ
easat-3190	159	15	chi	chi	PROPN
easat-3190	159	16	,	,	PUNCT
easat-3190	159	17	2021	2021	NUM
easat-3190	159	18	)	)	PUNCT
easat-3190	159	19	,	,	PUNCT
easat-3190	159	20	perceived	perceive	VERB
easat-3190	159	21	risk	risk	NOUN
easat-3190	159	22	(	(	PUNCT
easat-3190	159	23	nguyen	nguyen	PROPN
easat-3190	159	24	&	&	CCONJ
easat-3190	159	25	huynh	huynh	PROPN
easat-3190	159	26	,	,	PUNCT
easat-3190	159	27	2018	2018	NUM
easat-3190	159	28	)	)	PUNCT
easat-3190	159	29	,	,	PUNCT
easat-3190	159	30	(	(	PUNCT
easat-3190	159	31	lee	lee	PROPN
easat-3190	159	32	&	&	CCONJ
easat-3190	159	33	sohn	sohn	PROPN
easat-3190	159	34	,	,	PUNCT
easat-3190	159	35	2021	2021	NUM
easat-3190	159	36	)	)	PUNCT
easat-3190	159	37	,	,	PUNCT
easat-3190	159	38	(	(	PUNCT
easat-3190	159	39	e.	e.	PROPN
easat-3190	159	40	c.	c.	PROPN
easat-3190	159	41	l.	l.	PROPN
easat-3190	159	42	yang	yang	PROPN
easat-3190	159	43	&	&	CCONJ
easat-3190	159	44	nair	nair	PROPN
easat-3190	159	45	,	,	PUNCT
easat-3190	159	46	2014	2014	NUM
easat-3190	159	47	)	)	PUNCT
easat-3190	159	48	,	,	PUNCT
easat-3190	159	49	perceived	perceive	VERB
easat-3190	159	50	usefulness	usefulness	NOUN
easat-3190	159	51	and	and	CCONJ
easat-3190	159	52	perceived	perceive	VERB
easat-3190	159	53	ease	ease	NOUN
easat-3190	159	54	of	of	ADP
easat-3190	159	55	(	(	PUNCT
easat-3190	159	56	nguyen	nguyen	PROPN
easat-3190	159	57	&	&	CCONJ
easat-3190	159	58	huynh	huynh	PROPN
easat-3190	159	59	,	,	PUNCT
easat-3190	159	60	2018	2018	NUM
easat-3190	159	61	)	)	PUNCT
easat-3190	159	62	,	,	PUNCT
easat-3190	159	63	(	(	PUNCT
easat-3190	159	64	widyanto	widyanto	ADP
easat-3190	159	65	et	et	PROPN
easat-3190	159	66	al	al	PROPN
easat-3190	159	67	.	.	PROPN
easat-3190	159	68	,	,	PUNCT
easat-3190	159	69	2022	2022	NUM
easat-3190	159	70	)	)	PUNCT
easat-3190	159	71	;	;	PUNCT
easat-3190	159	72	trust	trust	NOUN
easat-3190	159	73	(	(	PUNCT
easat-3190	159	74	pavlou	pavlou	PROPN
easat-3190	159	75	,	,	PUNCT
easat-3190	159	76	2003	2003	NUM
easat-3190	159	77	)	)	PUNCT
easat-3190	159	78	,	,	PUNCT
easat-3190	159	79	(	(	PUNCT
easat-3190	159	80	d.	d.	PROPN
easat-3190	159	81	j.	j.	PROPN
easat-3190	159	82	kim	kim	PROPN
easat-3190	159	83	et	et	PROPN
easat-3190	159	84	al	al	PROPN
easat-3190	159	85	.	.	PROPN
easat-3190	159	86	,	,	PUNCT
easat-3190	159	87	2008	2008	NUM
easat-3190	159	88	)	)	PUNCT
easat-3190	159	89	,	,	PUNCT
easat-3190	159	90	(	(	PUNCT
easat-3190	159	91	q.	q.	PROPN
easat-3190	159	92	yang	yang	PROPN
easat-3190	159	93	&	&	CCONJ
easat-3190	159	94	lee	lee	PROPN
easat-3190	159	95	,	,	PUNCT
easat-3190	159	96	2016	2016	NUM
easat-3190	159	97	)	)	PUNCT
easat-3190	159	98	,	,	PUNCT
easat-3190	159	99	e	e	X
easat-3190	159	100	trust(candra	trust(candra	PROPN
easat-3190	159	101	et	et	PROPN
easat-3190	159	102	al	al	PROPN
easat-3190	159	103	.	.	PROPN
easat-3190	159	104	,	,	PUNCT
easat-3190	159	105	2020b	2020b	NUM
easat-3190	159	106	)	)	PUNCT
easat-3190	159	107	.	.	PUNCT
easat-3190	160	1	furthermore	furthermore	ADV
easat-3190	160	2	,	,	PUNCT
easat-3190	160	3	the	the	DET
easat-3190	160	4	research	research	NOUN
easat-3190	160	5	identifies	identify	VERB
easat-3190	160	6	characteristics	characteristic	NOUN
easat-3190	160	7	contributing	contribute	VERB
easat-3190	160	8	to	to	ADP
easat-3190	160	9	individuals	individual	NOUN
easat-3190	160	10	'	'	PART
easat-3190	160	11	reluctance	reluctance	NOUN
easat-3190	160	12	to	to	PART
easat-3190	160	13	utilize	utilize	VERB
easat-3190	160	14	p2p	p2p	NOUN
easat-3190	160	15	lending	lending	NOUN
easat-3190	160	16	.	.	PUNCT
easat-3190	161	1	the	the	DET
easat-3190	161	2	study	study	NOUN
easat-3190	161	3	by	by	ADP
easat-3190	161	4	(	(	PUNCT
easat-3190	161	5	ali	ali	PROPN
easat-3190	161	6	et	et	PROPN
easat-3190	161	7	al	al	PROPN
easat-3190	161	8	.	.	PROPN
easat-3190	161	9	,	,	PUNCT
easat-3190	161	10	2023	2023	NUM
easat-3190	161	11	)	)	PUNCT
easat-3190	161	12	investigated	investigate	VERB
easat-3190	161	13	the	the	DET
easat-3190	161	14	determinants	determinant	NOUN
easat-3190	161	15	of	of	ADP
easat-3190	161	16	indonesian	indonesian	ADJ
easat-3190	161	17	individuals	individual	NOUN
easat-3190	161	18	'	'	PART
easat-3190	161	19	avoidance	avoidance	NOUN
easat-3190	161	20	of	of	ADP
easat-3190	161	21	p2p	p2p	NOUN
easat-3190	161	22	lending	lending	NOUN
easat-3190	161	23	.	.	PUNCT
easat-3190	162	1	the	the	DET
easat-3190	162	2	findings	finding	NOUN
easat-3190	162	3	revealed	reveal	VERB
easat-3190	162	4	that	that	SCONJ
easat-3190	162	5	the	the	DET
easat-3190	162	6	perceived	perceive	VERB
easat-3190	162	7	level	level	NOUN
easat-3190	162	8	of	of	ADP
easat-3190	162	9	danger	danger	NOUN
easat-3190	162	10	associated	associate	VERB
easat-3190	162	11	with	with	ADP
easat-3190	162	12	p2p	p2p	NOUN
easat-3190	162	13	lending	lending	NOUN
easat-3190	162	14	is	be	AUX
easat-3190	162	15	impacted	impact	VERB
easat-3190	162	16	by	by	ADP
easat-3190	162	17	its	its	PRON
easat-3190	162	18	perceived	perceive	VERB
easat-3190	162	19	seriousness	seriousness	NOUN
easat-3190	162	20	,	,	PUNCT
easat-3190	162	21	perceived	perceive	VERB
easat-3190	162	22	vulnerability	vulnerability	NOUN
easat-3190	162	23	,	,	PUNCT
easat-3190	162	24	and	and	CCONJ
easat-3190	162	25	risk	risk	NOUN
easat-3190	162	26	tolerance	tolerance	NOUN
easat-3190	162	27	.	.	PUNCT
easat-3190	163	1	these	these	PRON
easat-3190	163	2	perceived	perceive	VERB
easat-3190	163	3	hazards	hazard	NOUN
easat-3190	163	4	and	and	CCONJ
easat-3190	163	5	societal	societal	ADJ
easat-3190	163	6	forces	force	NOUN
easat-3190	163	7	contribute	contribute	VERB
easat-3190	163	8	to	to	ADP
easat-3190	163	9	individuals	individual	NOUN
easat-3190	163	10	'	'	PART
easat-3190	163	11	urge	urge	NOUN
easat-3190	163	12	to	to	PART
easat-3190	163	13	avoid	avoid	VERB
easat-3190	163	14	them	they	PRON
easat-3190	163	15	.	.	PUNCT
easat-3190	164	1	3.7.2	3.7.2	X
easat-3190	164	2	.	.	PUNCT
easat-3190	164	3	algorithm	algorithm	NOUN
easat-3190	164	4	decision	decision	NOUN
easat-3190	164	5	framework	framework	NOUN
easat-3190	164	6	an	an	DET
easat-3190	164	7	algorithmic	algorithmic	ADJ
easat-3190	164	8	decision	decision	NOUN
easat-3190	164	9	framework	framework	NOUN
easat-3190	164	10	is	be	AUX
easat-3190	164	11	a	a	DET
easat-3190	164	12	systematic	systematic	ADJ
easat-3190	164	13	collection	collection	NOUN
easat-3190	164	14	of	of	ADP
easat-3190	164	15	techniques	technique	NOUN
easat-3190	164	16	to	to	PART
easat-3190	164	17	support	support	VERB
easat-3190	164	18	algorithmic	algorithmic	ADJ
easat-3190	164	19	decision	decision	NOUN
easat-3190	164	20	-	-	PUNCT
easat-3190	164	21	making	making	NOUN
easat-3190	164	22	or	or	CCONJ
easat-3190	164	23	computational	computational	ADJ
easat-3190	164	24	calculations	calculation	NOUN
easat-3190	164	25	.	.	PUNCT
easat-3190	165	1	an	an	DET
easat-3190	165	2	organized	organized	ADJ
easat-3190	165	3	approach	approach	NOUN
easat-3190	165	4	or	or	CCONJ
easat-3190	165	5	framework	framework	NOUN
easat-3190	165	6	that	that	PRON
easat-3190	165	7	enables	enable	VERB
easat-3190	165	8	decision	decision	NOUN
easat-3190	165	9	-	-	PUNCT
easat-3190	165	10	making	making	NOUN
easat-3190	165	11	by	by	ADP
easat-3190	165	12	utilizing	utilize	VERB
easat-3190	165	13	algorithms	algorithm	NOUN
easat-3190	165	14	or	or	CCONJ
easat-3190	165	15	mathematical	mathematical	ADJ
easat-3190	165	16	tools	tool	NOUN
easat-3190	165	17	.	.	PUNCT
easat-3190	166	1	technology	technology	NOUN
easat-3190	166	2	-	-	PUNCT
easat-3190	166	3	driven	drive	VERB
easat-3190	166	4	financial	financial	ADJ
easat-3190	166	5	services	service	NOUN
easat-3190	166	6	,	,	PUNCT
easat-3190	166	7	like	like	ADP
easat-3190	166	8	peer	peer	NOUN
easat-3190	166	9	-	-	PUNCT
easat-3190	166	10	to	to	ADP
easat-3190	166	11	-	-	PUNCT
easat-3190	166	12	peer	peer	NOUN
easat-3190	166	13	lending	lending	NOUN
easat-3190	166	14	,	,	PUNCT
easat-3190	166	15	need	need	VERB
easat-3190	166	16	to	to	PART
easat-3190	166	17	establish	establish	VERB
easat-3190	166	18	a	a	DET
easat-3190	166	19	scoring	scoring	NOUN
easat-3190	166	20	technique	technique	NOUN
easat-3190	166	21	that	that	PRON
easat-3190	166	22	accurately	accurately	ADV
easat-3190	166	23	differentiates	differentiate	VERB
easat-3190	166	24	between	between	ADP
easat-3190	166	25	borrowers	borrower	NOUN
easat-3190	166	26	who	who	PRON
easat-3190	166	27	are	be	AUX
easat-3190	166	28	likely	likely	ADJ
easat-3190	166	29	to	to	PART
easat-3190	166	30	be	be	AUX
easat-3190	166	31	creditworthy	creditworthy	ADJ
easat-3190	166	32	and	and	CCONJ
easat-3190	166	33	those	those	PRON
easat-3190	166	34	who	who	PRON
easat-3190	166	35	are	be	AUX
easat-3190	166	36	not	not	PART
easat-3190	166	37	before	before	ADP
easat-3190	166	38	granting	grant	VERB
easat-3190	166	39	credit	credit	NOUN
easat-3190	166	40	(	(	PUNCT
easat-3190	166	41	calabrese	calabrese	NOUN
easat-3190	166	42	et	et	PROPN
easat-3190	166	43	al	al	PROPN
easat-3190	166	44	.	.	PROPN
easat-3190	166	45	,	,	PUNCT
easat-3190	166	46	2019	2019	NUM
easat-3190	166	47	)	)	PUNCT
easat-3190	166	48	.	.	PUNCT
easat-3190	167	1	credit	credit	NOUN
easat-3190	167	2	scoring	scoring	NOUN
easat-3190	167	3	is	be	AUX
easat-3190	167	4	a	a	DET
easat-3190	167	5	crucial	crucial	ADJ
easat-3190	167	6	procedure	procedure	NOUN
easat-3190	167	7	for	for	ADP
easat-3190	167	8	peer	peer	NOUN
easat-3190	167	9	-	-	PUNCT
easat-3190	167	10	to	to	ADP
easat-3190	167	11	-	-	PUNCT
easat-3190	167	12	peer	peer	NOUN
easat-3190	167	13	(	(	PUNCT
easat-3190	167	14	p2p	p2p	NOUN
easat-3190	167	15	)	)	PUNCT
easat-3190	167	16	lending	lending	NOUN
easat-3190	167	17	institutions	institution	NOUN
easat-3190	167	18	since	since	SCONJ
easat-3190	167	19	it	it	PRON
easat-3190	167	20	enables	enable	VERB
easat-3190	167	21	them	they	PRON
easat-3190	167	22	to	to	PART
easat-3190	167	23	assess	assess	VERB
easat-3190	167	24	the	the	DET
easat-3190	167	25	likelihood	likelihood	NOUN
easat-3190	167	26	of	of	ADP
easat-3190	167	27	loan	loan	NOUN
easat-3190	167	28	applicants	applicant	NOUN
easat-3190	167	29	defaulting	default	VERB
easat-3190	167	30	on	on	ADP
easat-3190	167	31	their	their	PRON
easat-3190	167	32	payments	payment	NOUN
easat-3190	167	33	(	(	PUNCT
easat-3190	167	34	shen	shen	NOUN
easat-3190	167	35	et	et	PROPN
easat-3190	167	36	al	al	PROPN
easat-3190	167	37	.	.	PROPN
easat-3190	167	38	,	,	PUNCT
easat-3190	167	39	2020	2020	NUM
easat-3190	167	40	)	)	PUNCT
easat-3190	167	41	.	.	PUNCT
easat-3190	168	1	some	some	DET
easat-3190	168	2	researchers	researcher	NOUN
easat-3190	168	3	have	have	AUX
easat-3190	168	4	proposed	propose	VERB
easat-3190	168	5	models	model	NOUN
easat-3190	168	6	for	for	ADP
easat-3190	168	7	credit	credit	NOUN
easat-3190	168	8	decision	decision	NOUN
easat-3190	168	9	-	-	PUNCT
easat-3190	168	10	making	making	NOUN
easat-3190	168	11	for	for	ADP
easat-3190	168	12	borrowers	borrower	NOUN
easat-3190	168	13	on	on	ADP
easat-3190	168	14	p2p	p2p	NOUN
easat-3190	168	15	lending	lending	NOUN
easat-3190	168	16	platforms	platform	NOUN
easat-3190	168	17	.	.	PUNCT
easat-3190	169	1	some	some	DET
easat-3190	169	2	researchers	researcher	NOUN
easat-3190	169	3	have	have	AUX
easat-3190	169	4	proposed	propose	VERB
easat-3190	169	5	models	model	NOUN
easat-3190	169	6	for	for	ADP
easat-3190	169	7	credit	credit	NOUN
easat-3190	169	8	decision	decision	NOUN
easat-3190	169	9	-	-	PUNCT
easat-3190	169	10	making	making	NOUN
easat-3190	169	11	for	for	ADP
easat-3190	169	12	borrowers	borrower	NOUN
easat-3190	169	13	on	on	ADP
easat-3190	169	14	p2p	p2p	NOUN
easat-3190	169	15	lending	lending	NOUN
easat-3190	169	16	platforms	platform	NOUN
easat-3190	169	17	.	.	PUNCT
easat-3190	170	1	(	(	PUNCT
easat-3190	170	2	z.	z.	PROPN
easat-3190	170	3	wang	wang	PROPN
easat-3190	170	4	et	et	PROPN
easat-3190	170	5	al	al	PROPN
easat-3190	170	6	.	.	PROPN
easat-3190	170	7	,	,	PUNCT
easat-3190	170	8	2018	2018	NUM
easat-3190	170	9	)	)	PUNCT
easat-3190	170	10	propose	propose	VERB
easat-3190	170	11	a	a	DET
easat-3190	170	12	distinctive	distinctive	ADJ
easat-3190	170	13	behavioral	behavioral	ADJ
easat-3190	170	14	scoring	scoring	NOUN
easat-3190	170	15	model	model	NOUN
easat-3190	170	16	for	for	ADP
easat-3190	170	17	predicting	predict	VERB
easat-3190	170	18	the	the	DET
easat-3190	170	19	changing	change	VERB
easat-3190	170	20	likelihood	likelihood	NOUN
easat-3190	170	21	of	of	ADP
easat-3190	170	22	default	default	NOUN
easat-3190	170	23	in	in	ADP
easat-3190	170	24	peer	peer	NOUN
easat-3190	170	25	-	-	PUNCT
easat-3190	170	26	to	to	ADP
easat-3190	170	27	-	-	PUNCT
easat-3190	170	28	peer	peer	NOUN
easat-3190	170	29	(	(	PUNCT
easat-3190	170	30	p2p	p2p	NOUN
easat-3190	170	31	)	)	PUNCT
easat-3190	170	32	lending	lending	NOUN
easat-3190	170	33	.	.	PUNCT
easat-3190	171	1	their	their	PRON
easat-3190	171	2	approach	approach	NOUN
easat-3190	171	3	utilizes	utilize	VERB
easat-3190	171	4	a	a	DET
easat-3190	171	5	framework	framework	NOUN
easat-3190	171	6	5344	5344	NUM
easat-3190	171	7	edelweiss	edelweiss	PROPN
easat-3190	171	8	applied	apply	VERB
easat-3190	171	9	science	science	NOUN
easat-3190	171	10	and	and	CCONJ
easat-3190	171	11	technology	technology	NOUN
easat-3190	171	12	issn	issn	PROPN
easat-3190	171	13	:	:	PUNCT
easat-3190	171	14	2576	2576	NUM
easat-3190	171	15	-	-	SYM
easat-3190	171	16	8484	8484	NUM
easat-3190	171	17	vol	vol	NOUN
easat-3190	171	18	.	.	PROPN
easat-3190	171	19	8	8	NUM
easat-3190	171	20	,	,	PUNCT
easat-3190	171	21	no	no	INTJ
easat-3190	171	22	.	.	NOUN
easat-3190	171	23	6	6	NUM
easat-3190	171	24	:	:	SYM
easat-3190	171	25	5336	5336	NUM
easat-3190	171	26	-	-	SYM
easat-3190	171	27	5348	5348	NUM
easat-3190	171	28	,	,	PUNCT
easat-3190	171	29	2024	2024	NUM
easat-3190	171	30	doi	doi	NOUN
easat-3190	171	31	:	:	PUNCT
easat-3190	171	32	10.55214/25768484.v8i6.3190	10.55214/25768484.v8i6.3190	NUM
easat-3190	171	33	©	©	ADP
easat-3190	171	34	2024	2024	NUM
easat-3190	171	35	by	by	ADP
easat-3190	171	36	the	the	DET
easat-3190	171	37	authors	author	NOUN
easat-3190	171	38	;	;	PUNCT
easat-3190	171	39	licensee	licensee	NOUN
easat-3190	171	40	learning	learning	NOUN
easat-3190	171	41	gate	gate	NOUN
easat-3190	171	42	for	for	ADP
easat-3190	171	43	mixture	mixture	NOUN
easat-3190	171	44	survival	survival	NOUN
easat-3190	171	45	analysis	analysis	NOUN
easat-3190	171	46	.	.	PUNCT
easat-3190	172	1	a	a	DET
easat-3190	172	2	random	random	ADJ
easat-3190	172	3	forest	forest	NOUN
easat-3190	172	4	model	model	NOUN
easat-3190	172	5	assesses	assess	VERB
easat-3190	172	6	the	the	DET
easat-3190	172	7	possibility	possibility	NOUN
easat-3190	172	8	of	of	ADP
easat-3190	172	9	a	a	DET
easat-3190	172	10	borrower	borrower	NOUN
easat-3190	172	11	defaulting	default	VERB
easat-3190	172	12	on	on	ADP
easat-3190	172	13	their	their	PRON
easat-3190	172	14	loan	loan	NOUN
easat-3190	172	15	.	.	PUNCT
easat-3190	173	1	additionally	additionally	ADV
easat-3190	173	2	,	,	PUNCT
easat-3190	173	3	a	a	DET
easat-3190	173	4	random	random	ADJ
easat-3190	173	5	survival	survival	NOUN
easat-3190	173	6	forest	forest	NOUN
easat-3190	173	7	model	model	NOUN
easat-3190	173	8	is	be	AUX
easat-3190	173	9	included	include	VERB
easat-3190	173	10	to	to	PART
easat-3190	173	11	forecast	forecast	VERB
easat-3190	173	12	the	the	DET
easat-3190	173	13	duration	duration	NOUN
easat-3190	173	14	of	of	ADP
easat-3190	173	15	time	time	NOUN
easat-3190	173	16	before	before	SCONJ
easat-3190	173	17	the	the	DET
easat-3190	173	18	borrower	borrower	NOUN
easat-3190	173	19	fails	fail	VERB
easat-3190	173	20	.	.	PUNCT
easat-3190	174	1	a	a	DET
easat-3190	174	2	study	study	NOUN
easat-3190	174	3	using	use	VERB
easat-3190	174	4	a	a	DET
easat-3190	174	5	dataset	dataset	NOUN
easat-3190	174	6	of	of	ADP
easat-3190	174	7	chinese	chinese	ADJ
easat-3190	174	8	peer	peer	NOUN
easat-3190	174	9	-	-	PUNCT
easat-3190	174	10	to	to	ADP
easat-3190	174	11	-	-	PUNCT
easat-3190	174	12	peer	peer	NOUN
easat-3190	174	13	loans	loan	NOUN
easat-3190	174	14	showed	show	VERB
easat-3190	174	15	that	that	SCONJ
easat-3190	174	16	the	the	DET
easat-3190	174	17	ensemble	ensemble	ADJ
easat-3190	174	18	mixture	mixture	NOUN
easat-3190	174	19	random	random	ADJ
easat-3190	174	20	forest	forest	NOUN
easat-3190	174	21	(	(	PUNCT
easat-3190	174	22	emrf	emrf	NOUN
easat-3190	174	23	)	)	PUNCT
easat-3190	174	24	model	model	NOUN
easat-3190	174	25	is	be	AUX
easat-3190	174	26	better	well	ADJ
easat-3190	174	27	at	at	ADP
easat-3190	174	28	predicting	predict	VERB
easat-3190	174	29	the	the	DET
easat-3190	174	30	monthly	monthly	ADJ
easat-3190	174	31	dynamic	dynamic	ADJ
easat-3190	174	32	probability	probability	NOUN
easat-3190	174	33	of	of	ADP
easat-3190	174	34	default	default	NOUN
easat-3190	174	35	than	than	ADP
easat-3190	174	36	the	the	DET
easat-3190	174	37	standard	standard	ADJ
easat-3190	174	38	mixture	mixture	NOUN
easat-3190	174	39	cure	cure	NOUN
easat-3190	174	40	model	model	NOUN
easat-3190	174	41	,	,	PUNCT
easat-3190	174	42	the	the	DET
easat-3190	174	43	cox	cox	PROPN
easat-3190	174	44	proportional	proportional	PROPN
easat-3190	174	45	hazards	hazard	NOUN
easat-3190	174	46	model	model	NOUN
easat-3190	174	47	,	,	PUNCT
easat-3190	174	48	and	and	CCONJ
easat-3190	174	49	logistic	logistic	ADJ
easat-3190	174	50	regression	regression	NOUN
easat-3190	174	51	–	–	PUNCT
easat-3190	174	52	which	which	PRON
easat-3190	174	53	was	be	AUX
easat-3190	174	54	what	what	PRON
easat-3190	174	55	was	be	AUX
easat-3190	174	56	suggested	suggest	VERB
easat-3190	174	57	.	.	PUNCT
easat-3190	175	1	furthermore	furthermore	ADV
easat-3190	175	2	,	,	PUNCT
easat-3190	175	3	it	it	PRON
easat-3190	175	4	has	have	AUX
easat-3190	175	5	been	be	AUX
easat-3190	175	6	established	establish	VERB
easat-3190	175	7	that	that	SCONJ
easat-3190	175	8	the	the	DET
easat-3190	175	9	emrf	emrf	PROPN
easat-3190	175	10	model	model	PROPN
easat-3190	175	11	presented	present	VERB
easat-3190	175	12	yields	yield	NOUN
easat-3190	175	13	a	a	DET
easat-3190	175	14	pertinent	pertinent	ADJ
easat-3190	175	15	result	result	NOUN
easat-3190	175	16	for	for	ADP
easat-3190	175	17	the	the	DET
easat-3190	175	18	prompt	prompt	ADJ
easat-3190	175	19	handling	handling	NOUN
easat-3190	175	20	of	of	ADP
easat-3190	175	21	post	post	ADJ
easat-3190	175	22	-	-	ADJ
easat-3190	175	23	loan	loan	ADJ
easat-3190	175	24	risk	risk	NOUN
easat-3190	175	25	.	.	PUNCT
easat-3190	176	1	(	(	PUNCT
easat-3190	176	2	shen	shen	NOUN
easat-3190	176	3	et	et	PROPN
easat-3190	176	4	al	al	PROPN
easat-3190	176	5	.	.	PROPN
easat-3190	176	6	,	,	PUNCT
easat-3190	176	7	2020	2020	NUM
easat-3190	176	8	)	)	PUNCT
easat-3190	176	9	propose	propose	VERB
easat-3190	176	10	a	a	DET
easat-3190	176	11	cost	cost	NOUN
easat-3190	176	12	-	-	PUNCT
easat-3190	176	13	sensitive	sensitive	ADJ
easat-3190	176	14	logistic	logistic	ADJ
easat-3190	176	15	regression	regression	NOUN
easat-3190	176	16	credit	credit	NOUN
easat-3190	176	17	scoring	scoring	NOUN
easat-3190	176	18	model	model	NOUN
easat-3190	176	19	that	that	PRON
easat-3190	176	20	utilizes	utilize	VERB
easat-3190	176	21	a	a	DET
easat-3190	176	22	multi	multi	ADJ
easat-3190	176	23	-	-	ADJ
easat-3190	176	24	objective	objective	ADJ
easat-3190	176	25	optimization	optimization	NOUN
easat-3190	176	26	technique	technique	NOUN
easat-3190	176	27	.	.	PUNCT
easat-3190	177	1	the	the	DET
easat-3190	177	2	cost	cost	NOUN
easat-3190	177	3	-	-	PUNCT
easat-3190	177	4	sensitive	sensitive	ADJ
easat-3190	177	5	logistic	logistic	ADJ
easat-3190	177	6	regression	regression	NOUN
easat-3190	177	7	model	model	NOUN
easat-3190	177	8	has	have	VERB
easat-3190	177	9	two	two	NUM
easat-3190	177	10	purposes	purpose	NOUN
easat-3190	177	11	.	.	PUNCT
easat-3190	178	1	multiple	multiple	ADJ
easat-3190	178	2	objective	objective	ADJ
easat-3190	178	3	particle	particle	NOUN
easat-3190	178	4	swarm	swarm	NOUN
easat-3190	178	5	optimization	optimization	NOUN
easat-3190	178	6	(	(	PUNCT
easat-3190	178	7	mopso	mopso	NOUN
easat-3190	178	8	)	)	PUNCT
easat-3190	178	9	determines	determine	VERB
easat-3190	178	10	the	the	DET
easat-3190	178	11	cost	cost	NOUN
easat-3190	178	12	-	-	PUNCT
easat-3190	178	13	sensitive	sensitive	ADJ
easat-3190	178	14	logistic	logistic	ADJ
easat-3190	178	15	regression	regression	NOUN
easat-3190	178	16	parameters	parameter	NOUN
easat-3190	178	17	.	.	PUNCT
easat-3190	179	1	(	(	PUNCT
easat-3190	179	2	calabrese	calabrese	NOUN
easat-3190	179	3	et	et	PROPN
easat-3190	179	4	al	al	PROPN
easat-3190	179	5	.	.	PROPN
easat-3190	179	6	,	,	PUNCT
easat-3190	179	7	2019	2019	NUM
easat-3190	179	8	)	)	PUNCT
easat-3190	179	9	introduce	introduce	VERB
easat-3190	179	10	a	a	DET
easat-3190	179	11	new	new	ADJ
easat-3190	179	12	bivariate	bivariate	ADJ
easat-3190	179	13	regression	regression	NOUN
easat-3190	179	14	model	model	NOUN
easat-3190	179	15	called	call	VERB
easat-3190	179	16	r	r	NOUN
easat-3190	179	17	bivgev	bivgev	NOUN
easat-3190	179	18	to	to	PART
easat-3190	179	19	analyze	analyze	VERB
easat-3190	179	20	the	the	DET
easat-3190	179	21	correlation	correlation	NOUN
easat-3190	179	22	between	between	ADP
easat-3190	179	23	defaults	default	NOUN
easat-3190	179	24	in	in	ADP
easat-3190	179	25	p2p	p2p	NOUN
easat-3190	179	26	lending	lending	NOUN
easat-3190	179	27	and	and	CCONJ
easat-3190	179	28	credit	credit	NOUN
easat-3190	179	29	bureaus	bureaus	NOUN
easat-3190	179	30	.	.	PUNCT
easat-3190	180	1	compared	compare	VERB
easat-3190	180	2	to	to	ADP
easat-3190	180	3	bivariate	bivariate	ADJ
easat-3190	180	4	probit	probit	NOUN
easat-3190	180	5	and	and	CCONJ
easat-3190	180	6	univariate	univariate	ADJ
easat-3190	180	7	logit	logit	NOUN
easat-3190	180	8	models	model	NOUN
easat-3190	180	9	,	,	PUNCT
easat-3190	180	10	this	this	DET
easat-3190	180	11	one	one	NOUN
easat-3190	180	12	is	be	AUX
easat-3190	180	13	better	well	ADJ
easat-3190	180	14	at	at	ADP
easat-3190	180	15	predicting	predict	VERB
easat-3190	180	16	p2p	p2p	NOUN
easat-3190	180	17	defaults	default	NOUN
easat-3190	180	18	,	,	PUNCT
easat-3190	180	19	estimating	estimate	VERB
easat-3190	180	20	the	the	DET
easat-3190	180	21	expected	expect	VERB
easat-3190	180	22	loss	loss	NOUN
easat-3190	180	23	,	,	PUNCT
easat-3190	180	24	and	and	CCONJ
easat-3190	180	25	figuring	figure	VERB
easat-3190	180	26	out	out	ADP
easat-3190	180	27	the	the	DET
easat-3190	180	28	value	value	NOUN
easat-3190	180	29	at	at	ADP
easat-3190	180	30	risk	risk	NOUN
easat-3190	180	31	.	.	PUNCT
easat-3190	181	1	the	the	DET
easat-3190	181	2	study	study	NOUN
easat-3190	181	3	conducted	conduct	VERB
easat-3190	181	4	(	(	PUNCT
easat-3190	181	5	babaei	babaei	NOUN
easat-3190	181	6	&	&	CCONJ
easat-3190	181	7	bamdad	bamdad	PROPN
easat-3190	181	8	,	,	PUNCT
easat-3190	181	9	2020	2020	NUM
easat-3190	181	10	)	)	PUNCT
easat-3190	181	11	presents	present	VERB
easat-3190	181	12	a	a	DET
easat-3190	181	13	credit	credit	NOUN
easat-3190	181	14	assessment	assessment	NOUN
easat-3190	181	15	model	model	NOUN
easat-3190	181	16	designed	design	VERB
easat-3190	181	17	explicitly	explicitly	ADV
easat-3190	181	18	for	for	ADP
easat-3190	181	19	novice	novice	NOUN
easat-3190	181	20	lenders	lender	NOUN
easat-3190	181	21	.	.	PUNCT
easat-3190	182	1	the	the	DET
easat-3190	182	2	aim	aim	NOUN
easat-3190	182	3	is	be	AUX
easat-3190	182	4	to	to	PART
easat-3190	182	5	enhance	enhance	VERB
easat-3190	182	6	decision	decision	NOUN
easat-3190	182	7	-	-	PUNCT
easat-3190	182	8	making	make	VERB
easat-3190	182	9	models	model	NOUN
easat-3190	182	10	by	by	ADP
easat-3190	182	11	employing	employ	VERB
easat-3190	182	12	net	net	ADJ
easat-3190	182	13	present	present	ADJ
easat-3190	182	14	value	value	NOUN
easat-3190	182	15	(	(	PUNCT
easat-3190	182	16	npv	npv	NOUN
easat-3190	182	17	)	)	PUNCT
easat-3190	182	18	and	and	CCONJ
easat-3190	182	19	integrating	integrate	VERB
easat-3190	182	20	supervised	supervised	ADJ
easat-3190	182	21	learning	learning	NOUN
easat-3190	182	22	and	and	CCONJ
easat-3190	182	23	optimization	optimization	NOUN
easat-3190	182	24	methodologies	methodology	NOUN
easat-3190	182	25	to	to	PART
easat-3190	182	26	attain	attain	VERB
easat-3190	182	27	the	the	DET
easat-3190	182	28	desired	desire	VERB
easat-3190	182	29	outcomes	outcome	NOUN
easat-3190	182	30	.	.	PUNCT
easat-3190	183	1	to	to	PART
easat-3190	183	2	determine	determine	VERB
easat-3190	183	3	the	the	DET
easat-3190	183	4	most	most	ADV
easat-3190	183	5	suitable	suitable	ADJ
easat-3190	183	6	artificial	artificial	ADJ
easat-3190	183	7	neural	neural	ADJ
easat-3190	183	8	network	network	NOUN
easat-3190	183	9	(	(	PUNCT
easat-3190	183	10	ann	ann	PROPN
easat-3190	183	11	)	)	PUNCT
easat-3190	183	12	model	model	NOUN
easat-3190	183	13	for	for	ADP
easat-3190	183	14	predicting	predict	VERB
easat-3190	183	15	net	net	ADJ
easat-3190	183	16	present	present	ADJ
easat-3190	183	17	value	value	NOUN
easat-3190	183	18	(	(	PUNCT
easat-3190	183	19	npv	npv	NOUN
easat-3190	183	20	)	)	PUNCT
easat-3190	183	21	,	,	PUNCT
easat-3190	183	22	three	three	NUM
easat-3190	183	23	distinct	distinct	ADJ
easat-3190	183	24	ann	ann	PROPN
easat-3190	183	25	models	model	NOUN
easat-3190	183	26	are	be	AUX
easat-3190	183	27	assessed	assess	VERB
easat-3190	183	28	using	use	VERB
easat-3190	183	29	metrics	metric	NOUN
easat-3190	183	30	such	such	ADJ
easat-3190	183	31	as	as	ADP
easat-3190	183	32	mean	mean	ADJ
easat-3190	183	33	square	square	NOUN
easat-3190	183	34	error	error	NOUN
easat-3190	183	35	,	,	PUNCT
easat-3190	183	36	mean	mean	ADJ
easat-3190	183	37	absolute	absolute	ADJ
easat-3190	183	38	error	error	NOUN
easat-3190	183	39	,	,	PUNCT
easat-3190	183	40	and	and	CCONJ
easat-3190	183	41	root	root	NOUN
easat-3190	183	42	-	-	PUNCT
easat-3190	183	43	mean	mean	ADJ
easat-3190	183	44	-	-	PUNCT
easat-3190	183	45	square	square	NOUN
easat-3190	183	46	error	error	NOUN
easat-3190	183	47	.	.	PUNCT
easat-3190	184	1	furthermore	furthermore	ADV
easat-3190	184	2	,	,	PUNCT
easat-3190	184	3	to	to	PART
easat-3190	184	4	conduct	conduct	VERB
easat-3190	184	5	a	a	DET
easat-3190	184	6	risk	risk	NOUN
easat-3190	184	7	assessment	assessment	NOUN
easat-3190	184	8	,	,	PUNCT
easat-3190	184	9	the	the	DET
easat-3190	184	10	probability	probability	NOUN
easat-3190	184	11	of	of	ADP
easat-3190	184	12	loan	loan	NOUN
easat-3190	184	13	default	default	NOUN
easat-3190	184	14	is	be	AUX
easat-3190	184	15	determined	determine	VERB
easat-3190	184	16	using	use	VERB
easat-3190	184	17	logistic	logistic	ADJ
easat-3190	184	18	regression	regression	NOUN
easat-3190	184	19	calculations	calculation	NOUN
easat-3190	184	20	.	.	PUNCT
easat-3190	185	1	(	(	PUNCT
easat-3190	185	2	z.	z.	PROPN
easat-3190	185	3	wang	wang	PROPN
easat-3190	185	4	et	et	PROPN
easat-3190	185	5	al	al	PROPN
easat-3190	185	6	.	.	PROPN
easat-3190	185	7	,	,	PUNCT
easat-3190	185	8	2018	2018	NUM
easat-3190	185	9	)	)	PUNCT
easat-3190	185	10	presented	present	VERB
easat-3190	185	11	a	a	DET
easat-3190	185	12	novel	novel	ADJ
easat-3190	185	13	text	text	NOUN
easat-3190	185	14	mining	mining	NOUN
easat-3190	185	15	method	method	NOUN
easat-3190	185	16	to	to	PART
easat-3190	185	17	extract	extract	VERB
easat-3190	185	18	semantic	semantic	ADJ
easat-3190	185	19	soft	soft	ADJ
easat-3190	185	20	components	component	NOUN
easat-3190	185	21	from	from	ADP
easat-3190	185	22	descriptive	descriptive	ADJ
easat-3190	185	23	loan	loan	NOUN
easat-3190	185	24	texts	text	NOUN
easat-3190	185	25	automatically	automatically	ADV
easat-3190	185	26	.	.	PUNCT
easat-3190	186	1	associating	associate	VERB
easat-3190	186	2	concepts	concept	NOUN
easat-3190	186	3	with	with	ADP
easat-3190	186	4	an	an	DET
easat-3190	186	5	embedding	embed	VERB
easat-3190	186	6	space	space	NOUN
easat-3190	186	7	,	,	PUNCT
easat-3190	186	8	grouping	group	VERB
easat-3190	186	9	terms	term	NOUN
easat-3190	186	10	with	with	ADP
easat-3190	186	11	similar	similar	ADJ
easat-3190	186	12	meanings	meaning	NOUN
easat-3190	186	13	into	into	ADP
easat-3190	186	14	semantic	semantic	ADJ
easat-3190	186	15	clusters	cluster	NOUN
easat-3190	186	16	,	,	PUNCT
easat-3190	186	17	and	and	CCONJ
easat-3190	186	18	then	then	ADV
easat-3190	186	19	giving	give	VERB
easat-3190	186	20	these	these	DET
easat-3190	186	21	semantic	semantic	ADJ
easat-3190	186	22	clusters	cluster	NOUN
easat-3190	186	23	semantic	semantic	ADJ
easat-3190	186	24	soft	soft	ADJ
easat-3190	186	25	factors	factor	NOUN
easat-3190	186	26	are	be	AUX
easat-3190	186	27	all	all	PRON
easat-3190	186	28	parts	part	NOUN
easat-3190	186	29	of	of	ADP
easat-3190	186	30	this	this	DET
easat-3190	186	31	approach	approach	NOUN
easat-3190	186	32	.	.	PUNCT
easat-3190	187	1	the	the	DET
easat-3190	187	2	results	result	NOUN
easat-3190	187	3	of	of	ADP
easat-3190	187	4	the	the	DET
easat-3190	187	5	empirical	empirical	ADJ
easat-3190	187	6	study	study	NOUN
easat-3190	187	7	show	show	VERB
easat-3190	187	8	that	that	SCONJ
easat-3190	187	9	the	the	DET
easat-3190	187	10	retrieved	retrieve	VERB
easat-3190	187	11	semantic	semantic	ADJ
easat-3190	187	12	soft	soft	ADJ
easat-3190	187	13	factors	factor	NOUN
easat-3190	187	14	greatly	greatly	ADV
easat-3190	187	15	enhance	enhance	VERB
easat-3190	187	16	credit	credit	NOUN
easat-3190	187	17	risk	risk	NOUN
easat-3190	187	18	assessments	assessment	NOUN
easat-3190	187	19	in	in	ADP
easat-3190	187	20	terms	term	NOUN
easat-3190	187	21	of	of	ADP
easat-3190	187	22	both	both	CCONJ
easat-3190	187	23	their	their	PRON
easat-3190	187	24	ability	ability	NOUN
easat-3190	187	25	to	to	PART
easat-3190	187	26	discriminate	discriminate	VERB
easat-3190	187	27	and	and	CCONJ
easat-3190	187	28	their	their	PRON
easat-3190	187	29	ability	ability	NOUN
easat-3190	187	30	to	to	PART
easat-3190	187	31	lend	lend	VERB
easat-3190	187	32	.	.	PUNCT
easat-3190	188	1	the	the	DET
easat-3190	188	2	study	study	NOUN
easat-3190	188	3	by	by	ADP
easat-3190	188	4	(	(	PUNCT
easat-3190	188	5	croux	croux	VERB
easat-3190	188	6	et	et	PROPN
easat-3190	188	7	al	al	PROPN
easat-3190	188	8	.	.	PROPN
easat-3190	188	9	,	,	PUNCT
easat-3190	188	10	2020	2020	NUM
easat-3190	188	11	)	)	PUNCT
easat-3190	188	12	has	have	AUX
easat-3190	188	13	identified	identify	VERB
easat-3190	188	14	a	a	DET
easat-3190	188	15	comprehensive	comprehensive	ADJ
easat-3190	188	16	collection	collection	NOUN
easat-3190	188	17	of	of	ADP
easat-3190	188	18	contractual	contractual	ADJ
easat-3190	188	19	loan	loan	NOUN
easat-3190	188	20	features	feature	NOUN
easat-3190	188	21	,	,	PUNCT
easat-3190	188	22	borrower	borrower	NOUN
easat-3190	188	23	characteristics	characteristic	NOUN
easat-3190	188	24	,	,	PUNCT
easat-3190	188	25	and	and	CCONJ
easat-3190	188	26	macroeconomic	macroeconomic	ADJ
easat-3190	188	27	variables	variable	NOUN
easat-3190	188	28	that	that	PRON
easat-3190	188	29	are	be	AUX
easat-3190	188	30	crucial	crucial	ADJ
easat-3190	188	31	in	in	ADP
easat-3190	188	32	influencing	influence	VERB
easat-3190	188	33	the	the	DET
easat-3190	188	34	probability	probability	NOUN
easat-3190	188	35	of	of	ADP
easat-3190	188	36	default	default	NOUN
easat-3190	188	37	.	.	PUNCT
easat-3190	189	1	these	these	DET
easat-3190	189	2	factors	factor	NOUN
easat-3190	189	3	include	include	VERB
easat-3190	189	4	loan	loan	NOUN
easat-3190	189	5	maturity	maturity	NOUN
easat-3190	189	6	,	,	PUNCT
easat-3190	189	7	homeownership	homeownership	NOUN
easat-3190	189	8	,	,	PUNCT
easat-3190	189	9	loan	loan	NOUN
easat-3190	189	10	purposes	purpose	NOUN
easat-3190	189	11	,	,	PUNCT
easat-3190	189	12	and	and	CCONJ
easat-3190	189	13	occupation	occupation	NOUN
easat-3190	189	14	.	.	PUNCT
easat-3190	190	1	(	(	PUNCT
easat-3190	190	2	guo	guo	PROPN
easat-3190	190	3	et	et	PROPN
easat-3190	190	4	al	al	PROPN
easat-3190	190	5	.	.	PROPN
easat-3190	190	6	,	,	PUNCT
easat-3190	190	7	2021	2021	NUM
easat-3190	190	8	)	)	PUNCT
easat-3190	190	9	introduces	introduce	VERB
easat-3190	190	10	a	a	DET
easat-3190	190	11	maturity	maturity	NOUN
easat-3190	190	12	-	-	PUNCT
easat-3190	190	13	based	base	VERB
easat-3190	190	14	lender	lender	NOUN
easat-3190	190	15	composition	composition	NOUN
easat-3190	190	16	score	score	NOUN
easat-3190	190	17	.	.	PUNCT
easat-3190	191	1	this	this	DET
easat-3190	191	2	score	score	NOUN
easat-3190	191	3	leverages	leverage	VERB
easat-3190	191	4	the	the	DET
easat-3190	191	5	investing	investing	NOUN
easat-3190	191	6	capacity	capacity	NOUN
easat-3190	191	7	of	of	ADP
easat-3190	191	8	a	a	DET
easat-3190	191	9	consortium	consortium	NOUN
easat-3190	191	10	of	of	ADP
easat-3190	191	11	lenders	lender	NOUN
easat-3190	191	12	pooling	pool	VERB
easat-3190	191	13	their	their	PRON
easat-3190	191	14	resources	resource	NOUN
easat-3190	191	15	to	to	PART
easat-3190	191	16	enhance	enhance	VERB
easat-3190	191	17	the	the	DET
easat-3190	191	18	assessment	assessment	NOUN
easat-3190	191	19	of	of	ADP
easat-3190	191	20	peer	peer	NOUN
easat-3190	191	21	-	-	PUNCT
easat-3190	191	22	to	to	ADP
easat-3190	191	23	-	-	PUNCT
easat-3190	191	24	peer	peer	NOUN
easat-3190	191	25	loans	loan	NOUN
easat-3190	191	26	.	.	PUNCT
easat-3190	192	1	the	the	DET
easat-3190	192	2	researchers	researcher	NOUN
easat-3190	192	3	examined	examine	VERB
easat-3190	192	4	the	the	DET
easat-3190	192	5	investing	investing	NOUN
easat-3190	192	6	histories	history	NOUN
easat-3190	192	7	of	of	ADP
easat-3190	192	8	lenders	lender	NOUN
easat-3190	192	9	to	to	PART
easat-3190	192	10	identify	identify	VERB
easat-3190	192	11	their	their	PRON
easat-3190	192	12	performance	performance	NOUN
easat-3190	192	13	,	,	PUNCT
easat-3190	192	14	risk	risk	NOUN
easat-3190	192	15	,	,	PUNCT
easat-3190	192	16	and	and	CCONJ
easat-3190	192	17	experience	experience	NOUN
easat-3190	192	18	profiles	profile	NOUN
easat-3190	192	19	in	in	ADP
easat-3190	192	20	a	a	DET
easat-3190	192	21	more	more	ADV
easat-3190	192	22	detailed	detailed	ADJ
easat-3190	192	23	manner	manner	NOUN
easat-3190	192	24	.	.	PUNCT
easat-3190	193	1	in	in	ADP
easat-3190	193	2	addition	addition	NOUN
easat-3190	193	3	,	,	PUNCT
easat-3190	193	4	they	they	PRON
easat-3190	193	5	constructed	construct	VERB
easat-3190	193	6	our	our	PRON
easat-3190	193	7	loan	loan	NOUN
easat-3190	193	8	evaluation	evaluation	NOUN
easat-3190	193	9	indicators	indicator	NOUN
easat-3190	193	10	by	by	ADP
easat-3190	193	11	combining	combine	VERB
easat-3190	193	12	lender	lender	NOUN
easat-3190	193	13	profiles	profile	NOUN
easat-3190	193	14	in	in	ADP
easat-3190	193	15	the	the	DET
easat-3190	193	16	composition	composition	NOUN
easat-3190	193	17	.	.	PUNCT
easat-3190	194	1	by	by	ADP
easat-3190	194	2	incorporating	incorporate	VERB
easat-3190	194	3	interim	interim	ADJ
easat-3190	194	4	lenders	lender	NOUN
easat-3190	194	5	,	,	PUNCT
easat-3190	194	6	they	they	PRON
easat-3190	194	7	successfully	successfully	ADV
easat-3190	194	8	documented	document	VERB
easat-3190	194	9	this	this	DET
easat-3190	194	10	advancement	advancement	NOUN
easat-3190	194	11	and	and	CCONJ
easat-3190	194	12	included	include	VERB
easat-3190	194	13	it	it	PRON
easat-3190	194	14	in	in	ADP
easat-3190	194	15	the	the	DET
easat-3190	194	16	consolidation	consolidation	NOUN
easat-3190	194	17	procedure	procedure	NOUN
easat-3190	194	18	.	.	PUNCT
easat-3190	195	1	this	this	PRON
easat-3190	195	2	enabled	enable	VERB
easat-3190	195	3	them	they	PRON
easat-3190	195	4	to	to	PART
easat-3190	195	5	measure	measure	VERB
easat-3190	195	6	a	a	DET
easat-3190	195	7	lender	lender	NOUN
easat-3190	195	8	's	's	PART
easat-3190	195	9	potential	potential	NOUN
easat-3190	195	10	for	for	ADP
easat-3190	195	11	continuous	continuous	ADJ
easat-3190	195	12	enhancement	enhancement	NOUN
easat-3190	195	13	in	in	ADP
easat-3190	195	14	peer	peer	NOUN
easat-3190	195	15	-	-	PUNCT
easat-3190	195	16	to	to	ADP
easat-3190	195	17	-	-	PUNCT
easat-3190	195	18	peer	peer	NOUN
easat-3190	195	19	investments	investment	NOUN
easat-3190	195	20	.	.	PUNCT
easat-3190	196	1	empirical	empirical	ADJ
easat-3190	196	2	research	research	NOUN
easat-3190	196	3	has	have	AUX
easat-3190	196	4	shown	show	VERB
easat-3190	196	5	that	that	SCONJ
easat-3190	196	6	maturity	maturity	NOUN
easat-3190	196	7	-	-	PUNCT
easat-3190	196	8	based	base	VERB
easat-3190	196	9	lender	lender	NOUN
easat-3190	196	10	composition	composition	NOUN
easat-3190	196	11	scores	score	NOUN
easat-3190	196	12	can	can	AUX
easat-3190	196	13	be	be	AUX
easat-3190	196	14	helpful	helpful	ADJ
easat-3190	196	15	indicators	indicator	NOUN
easat-3190	196	16	for	for	ADP
easat-3190	196	17	determining	determine	VERB
easat-3190	196	18	loan	loan	NOUN
easat-3190	196	19	quality	quality	NOUN
easat-3190	196	20	.	.	PUNCT
easat-3190	197	1	these	these	DET
easat-3190	197	2	scores	score	NOUN
easat-3190	197	3	can	can	AUX
easat-3190	197	4	be	be	AUX
easat-3190	197	5	incorporated	incorporate	VERB
easat-3190	197	6	into	into	ADP
easat-3190	197	7	existing	exist	VERB
easat-3190	197	8	loan	loan	NOUN
easat-3190	197	9	evaluation	evaluation	NOUN
easat-3190	197	10	models	model	NOUN
easat-3190	197	11	to	to	PART
easat-3190	197	12	enhance	enhance	VERB
easat-3190	197	13	accuracy	accuracy	NOUN
easat-3190	197	14	.	.	PUNCT
easat-3190	198	1	the	the	DET
easat-3190	198	2	study	study	NOUN
easat-3190	198	3	by	by	ADP
easat-3190	198	4	(	(	PUNCT
easat-3190	198	5	aleksandrova	aleksandrova	PROPN
easat-3190	198	6	,	,	PUNCT
easat-3190	198	7	2021	2021	NUM
easat-3190	198	8	)	)	PUNCT
easat-3190	198	9	aimed	aim	VERB
easat-3190	198	10	to	to	PART
easat-3190	198	11	analyze	analyze	VERB
easat-3190	198	12	several	several	ADJ
easat-3190	198	13	prominent	prominent	ADJ
easat-3190	198	14	machine	machine	NOUN
easat-3190	198	15	learning	learn	VERB
easat-3190	198	16	algorithms	algorithm	NOUN
easat-3190	198	17	to	to	PART
easat-3190	198	18	assess	assess	VERB
easat-3190	198	19	their	their	PRON
easat-3190	198	20	effectiveness	effectiveness	NOUN
easat-3190	198	21	in	in	ADP
easat-3190	198	22	improving	improve	VERB
easat-3190	198	23	credit	credit	NOUN
easat-3190	198	24	ratings	rating	NOUN
easat-3190	198	25	for	for	ADP
easat-3190	198	26	peer	peer	NOUN
easat-3190	198	27	-	-	PUNCT
easat-3190	198	28	to	to	ADP
easat-3190	198	29	-	-	PUNCT
easat-3190	198	30	peer	peer	NOUN
easat-3190	198	31	loans	loan	NOUN
easat-3190	198	32	.	.	PUNCT
easat-3190	199	1	various	various	ADJ
easat-3190	199	2	models	model	NOUN
easat-3190	199	3	have	have	AUX
easat-3190	199	4	been	be	AUX
easat-3190	199	5	employed	employ	VERB
easat-3190	199	6	,	,	PUNCT
easat-3190	199	7	including	include	VERB
easat-3190	199	8	individual	individual	ADJ
easat-3190	199	9	classifiers	classifier	NOUN
easat-3190	199	10	(	(	PUNCT
easat-3190	199	11	such	such	ADJ
easat-3190	199	12	as	as	ADP
easat-3190	199	13	logistic	logistic	ADJ
easat-3190	199	14	regression	regression	NOUN
easat-3190	199	15	,	,	PUNCT
easat-3190	199	16	decision	decision	NOUN
easat-3190	199	17	trees	tree	NOUN
easat-3190	199	18	,	,	PUNCT
easat-3190	199	19	and	and	CCONJ
easat-3190	199	20	multilayer	multilayer	PROPN
easat-3190	199	21	perceptron	perceptron	PROPN
easat-3190	199	22	)	)	PUNCT
easat-3190	199	23	,	,	PUNCT
easat-3190	199	24	uniform	uniform	ADJ
easat-3190	199	25	ensembles	ensemble	NOUN
easat-3190	199	26	(	(	PUNCT
easat-3190	199	27	such	such	ADJ
easat-3190	199	28	as	as	ADP
easat-3190	199	29	xgboost	xgboost	PROPN
easat-3190	199	30	,	,	PUNCT
easat-3190	199	31	gbm	gbm	NOUN
easat-3190	199	32	,	,	PUNCT
easat-3190	199	33	and	and	CCONJ
easat-3190	199	34	random	random	ADJ
easat-3190	199	35	forest	forest	NOUN
easat-3190	199	36	)	)	PUNCT
easat-3190	199	37	,	,	PUNCT
easat-3190	199	38	and	and	CCONJ
easat-3190	199	39	diverse	diverse	ADJ
easat-3190	199	40	ensemble	ensemble	ADJ
easat-3190	199	41	classifiers	classifier	NOUN
easat-3190	199	42	like	like	ADP
easat-3190	199	43	stacked	stack	VERB
easat-3190	199	44	ensembles	ensemble	NOUN
easat-3190	199	45	.	.	PUNCT
easat-3190	200	1	the	the	DET
easat-3190	200	2	results	result	NOUN
easat-3190	200	3	indicate	indicate	VERB
easat-3190	200	4	that	that	SCONJ
easat-3190	200	5	ensemble	ensemble	ADJ
easat-3190	200	6	classifiers	classifier	NOUN
easat-3190	200	7	outperform	outperform	VERB
easat-3190	200	8	single	single	ADJ
easat-3190	200	9	classifiers	classifier	NOUN
easat-3190	200	10	,	,	PUNCT
easat-3190	200	11	with	with	ADP
easat-3190	200	12	xgboost	xgboost	ADV
easat-3190	200	13	and	and	CCONJ
easat-3190	200	14	stack	stack	VERB
easat-3190	200	15	ensemble	ensemble	ADJ
easat-3190	200	16	being	be	AUX
easat-3190	200	17	particularly	particularly	ADV
easat-3190	200	18	successful	successful	ADJ
easat-3190	200	19	methods	method	NOUN
easat-3190	200	20	.	.	PUNCT
easat-3190	201	1	bussmann	bussmann	PROPN
easat-3190	201	2	et	et	PROPN
easat-3190	201	3	al	al	PROPN
easat-3190	201	4	.	.	PROPN
easat-3190	202	1	(	(	PUNCT
easat-3190	202	2	2021	2021	NUM
easat-3190	202	3	)	)	PUNCT
easat-3190	202	4	proposed	propose	VERB
easat-3190	202	5	an	an	DET
easat-3190	202	6	artificial	artificial	ADJ
easat-3190	202	7	intelligence	intelligence	NOUN
easat-3190	202	8	model	model	NOUN
easat-3190	202	9	for	for	ADP
easat-3190	202	10	credit	credit	NOUN
easat-3190	202	11	risk	risk	NOUN
easat-3190	202	12	management	management	NOUN
easat-3190	202	13	.	.	PUNCT
easat-3190	203	1	this	this	DET
easat-3190	203	2	model	model	NOUN
easat-3190	203	3	was	be	AUX
easat-3190	203	4	purposefully	purposefully	ADV
easat-3190	203	5	developed	develop	VERB
easat-3190	203	6	to	to	PART
easat-3190	203	7	assess	assess	VERB
easat-3190	203	8	the	the	DET
easat-3190	203	9	risks	risk	NOUN
easat-3190	203	10	of	of	ADP
easat-3190	203	11	borrowing	borrow	VERB
easat-3190	203	12	funds	fund	NOUN
easat-3190	203	13	via	via	ADP
easat-3190	203	14	peer	peer	NOUN
easat-3190	203	15	-	-	PUNCT
easat-3190	203	16	to	to	ADP
easat-3190	203	17	-	-	PUNCT
easat-3190	203	18	peer	peer	NOUN
easat-3190	203	19	lending	lending	NOUN
easat-3190	203	20	networks	network	NOUN
easat-3190	203	21	.	.	PUNCT
easat-3190	204	1	this	this	DET
easat-3190	204	2	model	model	NOUN
easat-3190	204	3	may	may	AUX
easat-3190	204	4	offer	offer	VERB
easat-3190	204	5	a	a	DET
easat-3190	204	6	detailed	detailed	ADJ
easat-3190	204	7	explanation	explanation	NOUN
easat-3190	204	8	for	for	ADP
easat-3190	204	9	each	each	DET
easat-3190	204	10	prediction	prediction	NOUN
easat-3190	204	11	by	by	ADP
easat-3190	204	12	quantifying	quantify	VERB
easat-3190	204	13	the	the	DET
easat-3190	204	14	contribution	contribution	NOUN
easat-3190	204	15	of	of	ADP
easat-3190	204	16	each	each	DET
easat-3190	204	17	explanatory	explanatory	ADJ
easat-3190	204	18	variable	variable	NOUN
easat-3190	204	19	in	in	ADP
easat-3190	204	20	terms	term	NOUN
easat-3190	204	21	of	of	ADP
easat-3190	204	22	the	the	DET
easat-3190	204	23	shapley	shapley	NOUN
easat-3190	204	24	value	value	NOUN
easat-3190	204	25	.	.	PUNCT
easat-3190	205	1	this	this	DET
easat-3190	205	2	explanation	explanation	NOUN
easat-3190	205	3	can	can	AUX
easat-3190	205	4	be	be	AUX
easat-3190	205	5	provided	provide	VERB
easat-3190	205	6	from	from	ADP
easat-3190	205	7	a	a	DET
easat-3190	205	8	substantive	substantive	ADJ
easat-3190	205	9	standpoint	standpoint	NOUN
easat-3190	205	10	.	.	PUNCT
easat-3190	206	1	the	the	DET
easat-3190	206	2	authors	author	NOUN
easat-3190	206	3	utilized	utilize	VERB
easat-3190	206	4	treeshap	treeshap	ADV
easat-3190	206	5	,	,	PUNCT
easat-3190	206	6	a	a	DET
easat-3190	206	7	dependable	dependable	ADJ
easat-3190	206	8	and	and	CCONJ
easat-3190	206	9	uncomplicated	uncomplicated	ADJ
easat-3190	206	10	method	method	NOUN
easat-3190	206	11	available	available	ADJ
easat-3190	206	12	in	in	ADP
easat-3190	206	13	open	open	ADJ
easat-3190	206	14	-	-	PUNCT
easat-3190	206	15	source	source	NOUN
easat-3190	206	16	packages	package	NOUN
easat-3190	206	17	.	.	PUNCT
easat-3190	207	1	treeshap	treeshap	NOUN
easat-3190	207	2	is	be	AUX
easat-3190	207	3	an	an	DET
easat-3190	207	4	efficient	efficient	ADJ
easat-3190	207	5	technique	technique	NOUN
easat-3190	207	6	that	that	PRON
easat-3190	207	7	can	can	AUX
easat-3190	207	8	calculate	calculate	VERB
easat-3190	207	9	the	the	DET
easat-3190	207	10	shapley	shapley	ADJ
easat-3190	207	11	additive	additive	NOUN
easat-3190	207	12	explanation	explanation	NOUN
easat-3190	207	13	for	for	ADP
easat-3190	207	14	trees	tree	NOUN
easat-3190	207	15	in	in	ADP
easat-3190	207	16	polynomial	polynomial	ADJ
easat-3190	207	17	time	time	NOUN
easat-3190	207	18	instead	instead	ADV
easat-3190	207	19	of	of	ADP
easat-3190	207	20	the	the	DET
easat-3190	207	21	usual	usual	ADJ
easat-3190	207	22	exponential	exponential	ADJ
easat-3190	207	23	runtime	runtime	NOUN
easat-3190	207	24	.	.	PUNCT
easat-3190	208	1	the	the	DET
easat-3190	208	2	boost	boost	NOUN
easat-3190	208	3	component	component	NOUN
easat-3190	208	4	of	of	ADP
easat-3190	208	5	the	the	DET
easat-3190	208	6	model	model	NOUN
easat-3190	208	7	benefited	benefit	VERB
easat-3190	208	8	from	from	ADP
easat-3190	208	9	the	the	DET
easat-3190	208	10	utilization	utilization	NOUN
easat-3190	208	11	of	of	ADP
easat-3190	208	12	nvidia	nvidia	PROPN
easat-3190	208	13	graphics	graphic	NOUN
easat-3190	208	14	5345	5345	NUM
easat-3190	208	15	edelweiss	edelweiss	PROPN
easat-3190	208	16	applied	apply	VERB
easat-3190	208	17	science	science	NOUN
easat-3190	208	18	and	and	CCONJ
easat-3190	208	19	technology	technology	NOUN
easat-3190	208	20	issn	issn	PROPN
easat-3190	208	21	:	:	PUNCT
easat-3190	208	22	2576	2576	NUM
easat-3190	208	23	-	-	SYM
easat-3190	208	24	8484	8484	NUM
easat-3190	208	25	vol	vol	NOUN
easat-3190	208	26	.	.	PROPN
easat-3190	208	27	8	8	NUM
easat-3190	208	28	,	,	PUNCT
easat-3190	208	29	no	no	INTJ
easat-3190	208	30	.	.	NOUN
easat-3190	209	1	6	6	NUM
easat-3190	209	2	:	:	SYM
easat-3190	209	3	5336	5336	NUM
easat-3190	209	4	-	-	SYM
easat-3190	209	5	5348	5348	NUM
easat-3190	209	6	,	,	PUNCT
easat-3190	209	7	2024	2024	NUM
easat-3190	209	8	doi	doi	NOUN
easat-3190	209	9	:	:	PUNCT
easat-3190	209	10	10.55214/25768484.v8i6.3190	10.55214/25768484.v8i6.3190	NUM
easat-3190	209	11	©	©	ADP
easat-3190	209	12	2024	2024	NUM
easat-3190	209	13	by	by	ADP
easat-3190	209	14	the	the	DET
easat-3190	209	15	authors	author	NOUN
easat-3190	209	16	;	;	PUNCT
easat-3190	209	17	licensee	licensee	PROPN
easat-3190	209	18	learning	learn	VERB
easat-3190	209	19	gate	gate	NOUN
easat-3190	209	20	processing	processing	NOUN
easat-3190	209	21	units	unit	NOUN
easat-3190	209	22	(	(	PUNCT
easat-3190	209	23	gpus	gpu	NOUN
easat-3190	209	24	)	)	PUNCT
easat-3190	209	25	to	to	PART
easat-3190	209	26	significantly	significantly	ADV
easat-3190	209	27	accelerate	accelerate	VERB
easat-3190	209	28	computations	computation	NOUN
easat-3190	209	29	.	.	PUNCT
easat-3190	210	1	the	the	DET
easat-3190	210	2	treeshap	treeshap	ADJ
easat-3190	210	3	technique	technique	NOUN
easat-3190	210	4	efficiently	efficiently	ADV
easat-3190	210	5	extracted	extract	VERB
easat-3190	210	6	data	datum	NOUN
easat-3190	210	7	from	from	ADP
easat-3190	210	8	the	the	DET
easat-3190	210	9	xgboost	xgboost	PROPN
easat-3190	210	10	model	model	NOUN
easat-3190	210	11	using	use	VERB
easat-3190	210	12	this	this	DET
easat-3190	210	13	strategy	strategy	NOUN
easat-3190	210	14	.	.	PUNCT
easat-3190	211	1	(	(	PUNCT
easat-3190	211	2	woo	woo	PROPN
easat-3190	211	3	&	&	CCONJ
easat-3190	211	4	sohn	sohn	NOUN
easat-3190	211	5	,	,	PUNCT
easat-3190	211	6	2022	2022	NUM
easat-3190	211	7	)	)	PUNCT
easat-3190	211	8	introduced	introduce	VERB
easat-3190	211	9	an	an	DET
easat-3190	211	10	alternative	alternative	ADJ
easat-3190	211	11	credit	credit	NOUN
easat-3190	211	12	scoring	scoring	NOUN
easat-3190	211	13	model	model	NOUN
easat-3190	211	14	designed	design	VERB
easat-3190	211	15	explicitly	explicitly	ADV
easat-3190	211	16	for	for	ADP
easat-3190	211	17	peer	peer	NOUN
easat-3190	211	18	-	-	PUNCT
easat-3190	211	19	to	to	ADP
easat-3190	211	20	-	-	PUNCT
easat-3190	211	21	peer	peer	NOUN
easat-3190	211	22	lending	lending	NOUN
easat-3190	211	23	.	.	PUNCT
easat-3190	212	1	this	this	DET
easat-3190	212	2	model	model	NOUN
easat-3190	212	3	was	be	AUX
easat-3190	212	4	created	create	VERB
easat-3190	212	5	by	by	ADP
easat-3190	212	6	identifying	identify	VERB
easat-3190	212	7	common	common	ADJ
easat-3190	212	8	personality	personality	NOUN
easat-3190	212	9	traits	trait	NOUN
easat-3190	212	10	inferred	infer	VERB
easat-3190	212	11	from	from	ADP
easat-3190	212	12	the	the	DET
easat-3190	212	13	borrower	borrower	NOUN
easat-3190	212	14	's	's	PART
easat-3190	212	15	occupation	occupation	NOUN
easat-3190	212	16	.	.	PUNCT
easat-3190	213	1	by	by	ADP
easat-3190	213	2	employing	employ	VERB
easat-3190	213	3	an	an	DET
easat-3190	213	4	affinity	affinity	NOUN
easat-3190	213	5	matrix	matrix	NOUN
easat-3190	213	6	built	build	VERB
easat-3190	213	7	from	from	ADP
easat-3190	213	8	myers	myers	PROPN
easat-3190	213	9	-	-	PUNCT
easat-3190	213	10	briggs	briggs	PROPN
easat-3190	213	11	type	type	NOUN
easat-3190	213	12	indications	indication	NOUN
easat-3190	213	13	(	(	PUNCT
easat-3190	213	14	mbti	mbti	PROPN
easat-3190	213	15	)	)	PUNCT
easat-3190	213	16	tailored	tailor	VERB
easat-3190	213	17	to	to	ADP
easat-3190	213	18	each	each	DET
easat-3190	213	19	job	job	NOUN
easat-3190	213	20	category	category	NOUN
easat-3190	213	21	,	,	PUNCT
easat-3190	213	22	they	they	PRON
easat-3190	213	23	projected	project	VERB
easat-3190	213	24	the	the	DET
easat-3190	213	25	virtual	virtual	ADJ
easat-3190	213	26	world	world	NOUN
easat-3190	213	27	of	of	ADP
easat-3190	213	28	borrowers	borrower	NOUN
easat-3190	213	29	.	.	PUNCT
easat-3190	214	1	it	it	PRON
easat-3190	214	2	was	be	AUX
easat-3190	214	3	found	find	VERB
easat-3190	214	4	that	that	SCONJ
easat-3190	214	5	each	each	DET
easat-3190	214	6	mbti	mbti	PROPN
easat-3190	214	7	type	type	NOUN
easat-3190	214	8	is	be	AUX
easat-3190	214	9	unique	unique	ADJ
easat-3190	214	10	and	and	CCONJ
easat-3190	214	11	separate	separate	ADJ
easat-3190	214	12	from	from	ADP
easat-3190	214	13	the	the	DET
easat-3190	214	14	others	other	NOUN
easat-3190	214	15	.	.	PUNCT
easat-3190	215	1	the	the	DET
easat-3190	215	2	credit	credit	NOUN
easat-3190	215	3	scoring	scoring	NOUN
easat-3190	215	4	model	model	NOUN
easat-3190	215	5	incorporates	incorporate	VERB
easat-3190	215	6	diverse	diverse	ADJ
easat-3190	215	7	critical	critical	ADJ
easat-3190	215	8	criteria	criterion	NOUN
easat-3190	215	9	into	into	ADP
easat-3190	215	10	its	its	PRON
easat-3190	215	11	roster	roster	NOUN
easat-3190	215	12	.	.	PUNCT
easat-3190	216	1	the	the	DET
easat-3190	216	2	study	study	NOUN
easat-3190	216	3	's	's	PART
easat-3190	216	4	findings	finding	NOUN
easat-3190	216	5	illuminate	illuminate	VERB
easat-3190	216	6	notable	notable	ADJ
easat-3190	216	7	progress	progress	NOUN
easat-3190	216	8	in	in	ADP
easat-3190	216	9	developing	develop	VERB
easat-3190	216	10	alternative	alternative	ADJ
easat-3190	216	11	credit	credit	NOUN
easat-3190	216	12	rating	rating	NOUN
easat-3190	216	13	methodologies	methodology	NOUN
easat-3190	216	14	for	for	ADP
easat-3190	216	15	peer	peer	NOUN
easat-3190	216	16	-	-	PUNCT
easat-3190	216	17	topeer	topeer	NOUN
easat-3190	216	18	lending	lending	NOUN
easat-3190	216	19	.	.	PUNCT
easat-3190	217	1	the	the	DET
easat-3190	217	2	study	study	NOUN
easat-3190	217	3	by	by	ADP
easat-3190	217	4	(	(	PUNCT
easat-3190	217	5	lyócsa	lyócsa	VERB
easat-3190	217	6	et	et	PROPN
easat-3190	217	7	al	al	PROPN
easat-3190	217	8	.	.	PROPN
easat-3190	217	9	,	,	PUNCT
easat-3190	217	10	2022	2022	NUM
easat-3190	217	11	)	)	PUNCT
easat-3190	217	12	introduces	introduce	VERB
easat-3190	217	13	a	a	DET
easat-3190	217	14	credit	credit	NOUN
easat-3190	217	15	assessment	assessment	NOUN
easat-3190	217	16	method	method	NOUN
easat-3190	217	17	that	that	PRON
easat-3190	217	18	utilizes	utilize	VERB
easat-3190	217	19	a	a	DET
easat-3190	217	20	profitscoring	profitscoring	NOUN
easat-3190	217	21	strategy	strategy	NOUN
easat-3190	217	22	and	and	CCONJ
easat-3190	217	23	is	be	AUX
easat-3190	217	24	founded	found	VERB
easat-3190	217	25	on	on	ADP
easat-3190	217	26	the	the	DET
easat-3190	217	27	modeling	modeling	NOUN
easat-3190	217	28	of	of	ADP
easat-3190	217	29	the	the	DET
easat-3190	217	30	yearly	yearly	ADV
easat-3190	217	31	adjusted	adjust	VERB
easat-3190	217	32	internal	internal	ADJ
easat-3190	217	33	rate	rate	NOUN
easat-3190	217	34	of	of	ADP
easat-3190	217	35	return	return	NOUN
easat-3190	217	36	on	on	ADP
easat-3190	217	37	loans	loan	NOUN
easat-3190	217	38	.	.	PUNCT
easat-3190	218	1	diverges	diverge	VERB
easat-3190	218	2	dramatically	dramatically	ADV
easat-3190	218	3	from	from	ADP
easat-3190	218	4	the	the	DET
easat-3190	218	5	previous	previous	ADJ
easat-3190	218	6	study	study	NOUN
easat-3190	218	7	conducted	conduct	VERB
easat-3190	218	8	.	.	PUNCT
easat-3190	219	1	based	base	VERB
easat-3190	219	2	on	on	ADP
easat-3190	219	3	the	the	DET
easat-3190	219	4	research	research	NOUN
easat-3190	219	5	findings	finding	NOUN
easat-3190	219	6	,	,	PUNCT
easat-3190	219	7	the	the	DET
easat-3190	219	8	profit	profit	NOUN
easat-3190	219	9	scoring	scoring	NOUN
easat-3190	219	10	model	model	NOUN
easat-3190	219	11	yields	yield	VERB
easat-3190	219	12	a	a	DET
easat-3190	219	13	higher	high	ADJ
easat-3190	219	14	rate	rate	NOUN
easat-3190	219	15	of	of	ADP
easat-3190	219	16	return	return	NOUN
easat-3190	219	17	than	than	ADP
easat-3190	219	18	the	the	DET
easat-3190	219	19	credit	credit	NOUN
easat-3190	219	20	risk	risk	NOUN
easat-3190	219	21	scoring	scoring	NOUN
easat-3190	219	22	model	model	NOUN
easat-3190	219	23	.	.	PUNCT
easat-3190	220	1	4	4	X
easat-3190	220	2	.	.	X
easat-3190	220	3	conclusion	conclusion	VERB
easat-3190	220	4	the	the	DET
easat-3190	220	5	objective	objective	NOUN
easat-3190	220	6	of	of	ADP
easat-3190	220	7	this	this	DET
easat-3190	220	8	literature	literature	NOUN
easat-3190	220	9	study	study	NOUN
easat-3190	220	10	is	be	AUX
easat-3190	220	11	to	to	PART
easat-3190	220	12	ascertain	ascertain	VERB
easat-3190	220	13	the	the	DET
easat-3190	220	14	advancements	advancement	NOUN
easat-3190	220	15	made	make	VERB
easat-3190	220	16	in	in	ADP
easat-3190	220	17	prior	prior	ADJ
easat-3190	220	18	research	research	NOUN
easat-3190	220	19	on	on	ADP
easat-3190	220	20	the	the	DET
easat-3190	220	21	topic	topic	NOUN
easat-3190	220	22	of	of	ADP
easat-3190	220	23	p2p	p2p	NOUN
easat-3190	220	24	lending	lending	NOUN
easat-3190	220	25	.	.	PUNCT
easat-3190	221	1	according	accord	VERB
easat-3190	221	2	to	to	ADP
easat-3190	221	3	scimago	scimago	PROPN
easat-3190	221	4	,	,	PUNCT
easat-3190	221	5	a	a	DET
easat-3190	221	6	total	total	NOUN
easat-3190	221	7	of	of	ADP
easat-3190	221	8	202	202	NUM
easat-3190	221	9	papers	paper	NOUN
easat-3190	221	10	have	have	AUX
easat-3190	221	11	been	be	AUX
easat-3190	221	12	assessed	assess	VERB
easat-3190	221	13	by	by	ADP
easat-3190	221	14	exclusively	exclusively	ADV
easat-3190	221	15	considering	consider	VERB
easat-3190	221	16	empirical	empirical	ADJ
easat-3190	221	17	studies	study	NOUN
easat-3190	221	18	published	publish	VERB
easat-3190	221	19	in	in	ADP
easat-3190	221	20	credible	credible	ADJ
easat-3190	221	21	journals	journal	NOUN
easat-3190	221	22	.	.	PUNCT
easat-3190	222	1	this	this	PRON
easat-3190	222	2	encompasses	encompass	VERB
easat-3190	222	3	the	the	DET
easat-3190	222	4	years	year	NOUN
easat-3190	222	5	2017	2017	NUM
easat-3190	222	6	and	and	CCONJ
easat-3190	222	7	2023	2023	NUM
easat-3190	222	8	.	.	PUNCT
easat-3190	223	1	p2p	p2p	NOUN
easat-3190	223	2	subjects	subject	NOUN
easat-3190	223	3	are	be	AUX
easat-3190	223	4	intriguing	intriguing	ADJ
easat-3190	223	5	due	due	ADP
easat-3190	223	6	to	to	ADP
easat-3190	223	7	the	the	DET
easat-3190	223	8	prevalence	prevalence	NOUN
easat-3190	223	9	of	of	ADP
easat-3190	223	10	articles	article	NOUN
easat-3190	223	11	with	with	ADP
easat-3190	223	12	the	the	DET
easat-3190	223	13	highest	high	ADJ
easat-3190	223	14	quality	quality	NOUN
easat-3190	223	15	index	index	NOUN
easat-3190	223	16	(	(	PUNCT
easat-3190	223	17	q1	q1	PROPN
easat-3190	223	18	)	)	PUNCT
easat-3190	223	19	.	.	PUNCT
easat-3190	224	1	43	43	NUM
easat-3190	224	2	%	%	NOUN
easat-3190	224	3	of	of	ADP
easat-3190	224	4	the	the	DET
easat-3190	224	5	items	item	NOUN
easat-3190	224	6	have	have	VERB
easat-3190	224	7	the	the	DET
easat-3190	224	8	highest	high	ADJ
easat-3190	224	9	quality	quality	NOUN
easat-3190	224	10	index	index	NOUN
easat-3190	224	11	(	(	PUNCT
easat-3190	224	12	q1	q1	PROPN
easat-3190	224	13	)	)	PUNCT
easat-3190	224	14	.	.	PUNCT
easat-3190	225	1	the	the	DET
easat-3190	225	2	articles	article	NOUN
easat-3190	225	3	published	publish	VERB
easat-3190	225	4	with	with	ADP
easat-3190	225	5	a	a	DET
easat-3190	225	6	medium	medium	ADJ
easat-3190	225	7	quality	quality	NOUN
easat-3190	225	8	index	index	NOUN
easat-3190	225	9	(	(	PUNCT
easat-3190	225	10	q2	q2	NOUN
easat-3190	225	11	)	)	PUNCT
easat-3190	225	12	and	and	CCONJ
easat-3190	225	13	(	(	PUNCT
easat-3190	225	14	q3	q3	PROPN
easat-3190	225	15	)	)	PUNCT
easat-3190	225	16	account	account	NOUN
easat-3190	225	17	for	for	ADP
easat-3190	225	18	32	32	NUM
easat-3190	225	19	%	%	NOUN
easat-3190	225	20	and	and	CCONJ
easat-3190	225	21	19	19	NUM
easat-3190	225	22	%	%	NOUN
easat-3190	225	23	of	of	ADP
easat-3190	225	24	the	the	DET
easat-3190	225	25	total	total	ADJ
easat-3190	225	26	articles	article	NOUN
easat-3190	225	27	,	,	PUNCT
easat-3190	225	28	respectively	respectively	ADV
easat-3190	225	29	.	.	PUNCT
easat-3190	226	1	compared	compare	VERB
easat-3190	226	2	to	to	ADP
easat-3190	226	3	other	other	ADJ
easat-3190	226	4	articles	article	NOUN
easat-3190	226	5	,	,	PUNCT
easat-3190	226	6	just	just	ADV
easat-3190	226	7	6	6	NUM
easat-3190	226	8	%	%	NOUN
easat-3190	226	9	of	of	ADP
easat-3190	226	10	articles	article	NOUN
easat-3190	226	11	on	on	ADP
easat-3190	226	12	p2p	p2p	NOUN
easat-3190	226	13	issues	issue	NOUN
easat-3190	226	14	have	have	VERB
easat-3190	226	15	a	a	DET
easat-3190	226	16	low	low	ADJ
easat-3190	226	17	-	-	PUNCT
easat-3190	226	18	quality	quality	NOUN
easat-3190	226	19	index	index	NOUN
easat-3190	226	20	(	(	PUNCT
easat-3190	226	21	q4	q4	PROPN
easat-3190	226	22	)	)	PUNCT
easat-3190	226	23	,	,	PUNCT
easat-3190	226	24	indicating	indicate	VERB
easat-3190	226	25	a	a	DET
easat-3190	226	26	small	small	ADJ
easat-3190	226	27	quantity	quantity	NOUN
easat-3190	226	28	of	of	ADP
easat-3190	226	29	such	such	ADJ
easat-3190	226	30	articles	article	NOUN
easat-3190	226	31	.	.	PUNCT
easat-3190	227	1	articles	article	NOUN
easat-3190	227	2	on	on	ADP
easat-3190	227	3	p2p	p2p	NOUN
easat-3190	227	4	themes	theme	NOUN
easat-3190	227	5	are	be	AUX
easat-3190	227	6	distributed	distribute	VERB
easat-3190	227	7	throughout	throughout	ADP
easat-3190	227	8	31	31	NUM
easat-3190	227	9	nations	nation	NOUN
easat-3190	227	10	,	,	PUNCT
easat-3190	227	11	including	include	VERB
easat-3190	227	12	articles	article	NOUN
easat-3190	227	13	conducted	conduct	VERB
easat-3190	227	14	in	in	ADP
easat-3190	227	15	3	3	NUM
easat-3190	227	16	countries	country	NOUN
easat-3190	227	17	and	and	CCONJ
easat-3190	227	18	two	two	NUM
easat-3190	227	19	countries	country	NOUN
easat-3190	227	20	,	,	PUNCT
easat-3190	227	21	respectively	respectively	ADV
easat-3190	227	22	,	,	PUNCT
easat-3190	227	23	and	and	CCONJ
easat-3190	227	24	some	some	DET
easat-3190	227	25	articles	article	NOUN
easat-3190	227	26	without	without	ADP
easat-3190	227	27	specified	specify	VERB
easat-3190	227	28	study	study	NOUN
easat-3190	227	29	locations	location	NOUN
easat-3190	227	30	.	.	PUNCT
easat-3190	228	1	china	china	PROPN
easat-3190	228	2	did	do	VERB
easat-3190	228	3	the	the	DET
easat-3190	228	4	most	most	ADV
easat-3190	228	5	extensive	extensive	ADJ
easat-3190	228	6	research	research	NOUN
easat-3190	228	7	,	,	PUNCT
easat-3190	228	8	with	with	ADP
easat-3190	228	9	a	a	DET
easat-3190	228	10	total	total	NOUN
easat-3190	228	11	of	of	ADP
easat-3190	228	12	67	67	NUM
easat-3190	228	13	papers	paper	NOUN
easat-3190	228	14	.	.	PUNCT
easat-3190	229	1	the	the	DET
easat-3190	229	2	article	article	NOUN
easat-3190	229	3	's	's	PART
easat-3190	229	4	keyword	keyword	NOUN
easat-3190	229	5	grouping	grouping	NOUN
easat-3190	229	6	identified	identify	VERB
easat-3190	229	7	six	six	NUM
easat-3190	229	8	cluster	cluster	NOUN
easat-3190	229	9	themes	theme	NOUN
easat-3190	229	10	:	:	PUNCT
easat-3190	229	11	financial	financial	ADJ
easat-3190	229	12	sector	sector	NOUN
easat-3190	229	13	dynamics	dynamic	NOUN
easat-3190	229	14	,	,	PUNCT
easat-3190	229	15	algorithm	algorithm	NOUN
easat-3190	229	16	decision	decision	NOUN
easat-3190	229	17	framework	framework	NOUN
easat-3190	229	18	,	,	PUNCT
easat-3190	229	19	connected	connected	ADJ
easat-3190	229	20	business	business	NOUN
easat-3190	229	21	infotech	infotech	NOUN
easat-3190	229	22	,	,	PUNCT
easat-3190	229	23	p2p	p2p	NOUN
easat-3190	229	24	market	market	NOUN
easat-3190	229	25	crowdfunding	crowdfunding	NOUN
easat-3190	229	26	hub	hub	NOUN
easat-3190	229	27	,	,	PUNCT
easat-3190	229	28	and	and	CCONJ
easat-3190	229	29	financial	financial	ADJ
easat-3190	229	30	innovation	innovation	NOUN
easat-3190	229	31	.	.	PUNCT
easat-3190	230	1	this	this	DET
easat-3190	230	2	evaluation	evaluation	NOUN
easat-3190	230	3	has	have	VERB
easat-3190	230	4	various	various	ADJ
easat-3190	230	5	constraints	constraint	NOUN
easat-3190	230	6	.	.	PUNCT
easat-3190	231	1	initially	initially	ADV
easat-3190	231	2	,	,	PUNCT
easat-3190	231	3	scopus	scopus	PROPN
easat-3190	231	4	served	serve	VERB
easat-3190	231	5	as	as	ADP
easat-3190	231	6	the	the	DET
easat-3190	231	7	sole	sole	ADJ
easat-3190	231	8	database	database	NOUN
easat-3190	231	9	for	for	ADP
easat-3190	231	10	article	article	NOUN
easat-3190	231	11	identification	identification	NOUN
easat-3190	231	12	in	in	ADP
easat-3190	231	13	this	this	DET
easat-3190	231	14	review	review	NOUN
easat-3190	231	15	.	.	PUNCT
easat-3190	232	1	furthermore	furthermore	ADV
easat-3190	232	2	,	,	PUNCT
easat-3190	232	3	the	the	DET
easat-3190	232	4	review	review	NOUN
easat-3190	232	5	did	do	AUX
easat-3190	232	6	not	not	PART
easat-3190	232	7	incorporate	incorporate	VERB
easat-3190	232	8	many	many	ADJ
easat-3190	232	9	inaccessible	inaccessible	ADJ
easat-3190	232	10	items	item	NOUN
easat-3190	232	11	.	.	PUNCT
easat-3190	233	1	copyright	copyright	NOUN
easat-3190	233	2	:	:	PUNCT
easat-3190	233	3	©	©	PROPN
easat-3190	233	4	2024	2024	NUM
easat-3190	233	5	by	by	ADP
easat-3190	233	6	the	the	DET
easat-3190	233	7	authors	author	NOUN
easat-3190	233	8	.	.	PUNCT
easat-3190	234	1	this	this	DET
easat-3190	234	2	article	article	NOUN
easat-3190	234	3	is	be	AUX
easat-3190	234	4	an	an	DET
easat-3190	234	5	open	open	ADJ
easat-3190	234	6	access	access	NOUN
easat-3190	234	7	article	article	NOUN
easat-3190	234	8	distributed	distribute	VERB
easat-3190	234	9	under	under	ADP
easat-3190	234	10	the	the	DET
easat-3190	234	11	terms	term	NOUN
easat-3190	234	12	and	and	CCONJ
easat-3190	234	13	conditions	condition	NOUN
easat-3190	234	14	of	of	ADP
easat-3190	234	15	the	the	DET
easat-3190	234	16	creative	creative	ADJ
easat-3190	234	17	commons	common	NOUN
easat-3190	234	18	attribution	attribution	NOUN
easat-3190	234	19	(	(	PUNCT
easat-3190	234	20	cc	cc	NOUN
easat-3190	234	21	by	by	ADP
easat-3190	234	22	)	)	PUNCT
easat-3190	234	23	license	license	NOUN
easat-3190	234	24	(	(	PUNCT
easat-3190	234	25	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-3190	234	26	)	)	PUNCT
easat-3190	234	27	.	.	PUNCT
easat-3190	235	1	references	reference	NOUN
easat-3190	235	2	[	[	X
easat-3190	235	3	1	1	NUM
easat-3190	235	4	]	]	PUNCT
easat-3190	235	5	a.	a.	PROPN
easat-3190	235	6	basha	basha	PROPN
easat-3190	235	7	,	,	PUNCT
easat-3190	235	8	s.	s.	PROPN
easat-3190	235	9	,	,	PUNCT
easat-3190	235	10	elgammal	elgammal	PROPN
easat-3190	235	11	,	,	PUNCT
easat-3190	235	12	m.	m.	NOUN
easat-3190	235	13	m.	m.	NOUN
easat-3190	235	14	,	,	PUNCT
easat-3190	235	15	&	&	CCONJ
easat-3190	235	16	abuzayed	abuzaye	VERB
easat-3190	235	17	,	,	PUNCT
easat-3190	235	18	b.	b.	PROPN
easat-3190	235	19	m.	m.	NOUN
easat-3190	235	20	(	(	PUNCT
easat-3190	235	21	2021	2021	NUM
easat-3190	235	22	)	)	PUNCT
easat-3190	235	23	.	.	PUNCT
easat-3190	236	1	online	online	ADJ
easat-3190	236	2	peer	peer	NOUN
easat-3190	236	3	-	-	PUNCT
easat-3190	236	4	to	to	ADP
easat-3190	236	5	-	-	PUNCT
easat-3190	236	6	peer	peer	NOUN
easat-3190	236	7	lending	lending	NOUN
easat-3190	236	8	:	:	PUNCT
easat-3190	236	9	a	a	DET
easat-3190	236	10	review	review	NOUN
easat-3190	236	11	of	of	ADP
easat-3190	236	12	the	the	DET
easat-3190	236	13	literature	literature	NOUN
easat-3190	236	14	.	.	PUNCT
easat-3190	237	1	electronic	electronic	ADJ
easat-3190	237	2	commerce	commerce	PROPN
easat-3190	237	3	research	research	NOUN
easat-3190	237	4	and	and	CCONJ
easat-3190	237	5	applications	application	NOUN
easat-3190	237	6	,	,	PUNCT
easat-3190	237	7	48(april	48(april	NUM
easat-3190	237	8	)	)	PUNCT
easat-3190	237	9	,	,	PUNCT
easat-3190	237	10	101069	101069	NUM
easat-3190	237	11	.	.	PUNCT
easat-3190	238	1	https://doi.org/10.1016/j.elerap.2021.101069	https://doi.org/10.1016/j.elerap.2021.101069	NOUN
easat-3190	238	2	[	[	X
easat-3190	238	3	2	2	X
easat-3190	238	4	]	]	PUNCT
easat-3190	238	5	aleksandrova	aleksandrova	NOUN
easat-3190	238	6	,	,	PUNCT
easat-3190	238	7	y.	y.	PROPN
easat-3190	238	8	(	(	PUNCT
easat-3190	238	9	2021	2021	NUM
easat-3190	238	10	)	)	PUNCT
easat-3190	238	11	.	.	PUNCT
easat-3190	239	1	comparing	compare	VERB
easat-3190	239	2	performance	performance	NOUN
easat-3190	239	3	of	of	ADP
easat-3190	239	4	machine	machine	NOUN
easat-3190	239	5	learning	learn	VERB
easat-3190	239	6	algorithms	algorithm	NOUN
easat-3190	239	7	for	for	ADP
easat-3190	239	8	default	default	NOUN
easat-3190	239	9	risk	risk	NOUN
easat-3190	239	10	prediction	prediction	NOUN
easat-3190	239	11	in	in	ADP
easat-3190	239	12	peer	peer	NOUN
easat-3190	239	13	to	to	ADP
easat-3190	239	14	peer	peer	NOUN
easat-3190	239	15	lending	lending	NOUN
easat-3190	239	16	.	.	PUNCT
easat-3190	240	1	tem	tem	PROPN
easat-3190	240	2	journal	journal	NOUN
easat-3190	240	3	,	,	PUNCT
easat-3190	240	4	10(1	10(1	NUM
easat-3190	240	5	)	)	PUNCT
easat-3190	240	6	,	,	PUNCT
easat-3190	240	7	133–143	133–143	NUM
easat-3190	240	8	.	.	PUNCT
easat-3190	240	9	https://doi.org/10.18421/tem101-16	https://doi.org/10.18421/tem101-16	PROPN
easat-3190	241	1	[	[	X
easat-3190	241	2	3	3	NUM
easat-3190	241	3	]	]	X
easat-3190	241	4	ali	ali	PROPN
easat-3190	241	5	,	,	PUNCT
easat-3190	241	6	s.	s.	PROPN
easat-3190	241	7	,	,	PUNCT
easat-3190	241	8	simboh	simboh	PROPN
easat-3190	241	9	,	,	PUNCT
easat-3190	241	10	b.	b.	PROPN
easat-3190	241	11	,	,	PUNCT
easat-3190	241	12	&	&	CCONJ
easat-3190	241	13	rahmawati	rahmawati	PROPN
easat-3190	241	14	,	,	PUNCT
easat-3190	241	15	u.	u.	NOUN
easat-3190	241	16	(	(	PUNCT
easat-3190	241	17	2023	2023	NUM
easat-3190	241	18	)	)	PUNCT
easat-3190	241	19	.	.	PUNCT
easat-3190	242	1	determining	determine	VERB
easat-3190	242	2	factors	factor	NOUN
easat-3190	242	3	of	of	ADP
easat-3190	242	4	peer	peer	NOUN
easat-3190	242	5	-	-	PUNCT
easat-3190	242	6	to	to	ADP
easat-3190	242	7	-	-	PUNCT
easat-3190	242	8	peer	peer	NOUN
easat-3190	242	9	(	(	PUNCT
easat-3190	242	10	p2p	p2p	NOUN
easat-3190	242	11	)	)	PUNCT
easat-3190	242	12	lending	lending	NOUN
easat-3190	242	13	avoidance	avoidance	NOUN
easat-3190	242	14	:	:	PUNCT
easat-3190	242	15	empirical	empirical	ADJ
easat-3190	242	16	evidence	evidence	NOUN
easat-3190	242	17	from	from	ADP
easat-3190	242	18	indonesia	indonesia	PROPN
easat-3190	242	19	.	.	PUNCT
easat-3190	243	1	gadjah	gadjah	PROPN
easat-3190	243	2	mada	mada	PROPN
easat-3190	243	3	international	international	PROPN
easat-3190	243	4	journal	journal	PROPN
easat-3190	243	5	of	of	ADP
easat-3190	243	6	business	business	NOUN
easat-3190	243	7	,	,	PUNCT
easat-3190	243	8	25(1	25(1	NUM
easat-3190	243	9	)	)	PUNCT
easat-3190	243	10	,	,	PUNCT
easat-3190	243	11	1–27	1–27	PROPN
easat-3190	243	12	.	.	PROPN
easat-3190	243	13	https://doi.org/10.22146/gamaijb.68805	https://doi.org/10.22146/gamaijb.68805	PROPN
easat-3190	244	1	[	[	X
easat-3190	244	2	4	4	NUM
easat-3190	244	3	]	]	X
easat-3190	244	4	azman	azman	PROPN
easat-3190	244	5	,	,	PUNCT
easat-3190	244	6	n.	n.	PROPN
easat-3190	244	7	h.	h.	PROPN
easat-3190	244	8	n.	n.	PROPN
easat-3190	244	9	,	,	PUNCT
easat-3190	244	10	zabri	zabri	NOUN
easat-3190	244	11	,	,	PUNCT
easat-3190	244	12	m.	m.	NOUN
easat-3190	244	13	z.	z.	PROPN
easat-3190	244	14	m.	m.	PROPN
easat-3190	244	15	,	,	PUNCT
easat-3190	244	16	masron	masron	NOUN
easat-3190	244	17	,	,	PUNCT
easat-3190	244	18	t.	t.	NOUN
easat-3190	244	19	a.	a.	PROPN
easat-3190	244	20	,	,	PUNCT
easat-3190	244	21	&	&	CCONJ
easat-3190	244	22	malim	malim	NOUN
easat-3190	244	23	,	,	PUNCT
easat-3190	244	24	n.	n.	NOUN
easat-3190	244	25	a.	a.	PROPN
easat-3190	244	26	k.	k.	PROPN
easat-3190	244	27	(	(	PUNCT
easat-3190	244	28	2020	2020	NUM
easat-3190	244	29	)	)	PUNCT
easat-3190	244	30	.	.	PUNCT
easat-3190	245	1	the	the	DET
easat-3190	245	2	utilisation	utilisation	NOUN
easat-3190	245	3	of	of	ADP
easat-3190	245	4	islamic	islamic	ADJ
easat-3190	245	5	fintech	fintech	PROPN
easat-3190	245	6	(	(	PUNCT
easat-3190	245	7	ifintech	ifintech	PROPN
easat-3190	245	8	)	)	PUNCT
easat-3190	245	9	in	in	ADP
easat-3190	245	10	promoting	promote	VERB
easat-3190	245	11	sustainable	sustainable	ADJ
easat-3190	245	12	inclusive	inclusive	ADJ
easat-3190	245	13	growth	growth	NOUN
easat-3190	245	14	:	:	PUNCT
easat-3190	245	15	evidence	evidence	NOUN
easat-3190	245	16	from	from	ADP
easat-3190	245	17	micro	micro	NOUN
easat-3190	245	18	-	-	NOUN
easat-3190	245	19	entrepreneurs	entrepreneur	NOUN
easat-3190	245	20	in	in	ADP
easat-3190	245	21	malaysia	malaysia	PROPN
easat-3190	245	22	.	.	PUNCT
easat-3190	246	1	journal	journal	PROPN
easat-3190	246	2	of	of	ADP
easat-3190	246	3	islamic	islamic	ADJ
easat-3190	246	4	monetary	monetary	ADJ
easat-3190	246	5	economics	economic	NOUN
easat-3190	246	6	and	and	CCONJ
easat-3190	246	7	finance	finance	NOUN
easat-3190	246	8	,	,	PUNCT
easat-3190	246	9	6(3	6(3	NUM
easat-3190	246	10	)	)	PUNCT
easat-3190	246	11	,	,	PUNCT
easat-3190	246	12	555–576	555–576	NUM
easat-3190	246	13	.	.	PUNCT
easat-3190	247	1	https://doi.org/10.21098/jimf.v6i3.1180	https://doi.org/10.21098/jimf.v6i3.1180	PROPN
easat-3190	248	1	[	[	X
easat-3190	248	2	5	5	NUM
easat-3190	248	3	]	]	PUNCT
easat-3190	248	4	babaei	babaei	NOUN
easat-3190	248	5	,	,	PUNCT
easat-3190	248	6	g.	g.	PROPN
easat-3190	248	7	,	,	PUNCT
easat-3190	248	8	&	&	CCONJ
easat-3190	248	9	bamdad	bamdad	PROPN
easat-3190	248	10	,	,	PUNCT
easat-3190	248	11	s.	s.	PROPN
easat-3190	248	12	(	(	PUNCT
easat-3190	248	13	2020	2020	NUM
easat-3190	248	14	)	)	PUNCT
easat-3190	248	15	.	.	PUNCT
easat-3190	249	1	a	a	DET
easat-3190	249	2	neural	neural	ADJ
easat-3190	249	3	-	-	PUNCT
easat-3190	249	4	network	network	NOUN
easat-3190	249	5	-	-	PUNCT
easat-3190	249	6	based	base	VERB
easat-3190	249	7	decision	decision	NOUN
easat-3190	249	8	-	-	PUNCT
easat-3190	249	9	making	make	VERB
easat-3190	249	10	model	model	NOUN
easat-3190	249	11	in	in	ADP
easat-3190	249	12	the	the	DET
easat-3190	249	13	peer	peer	NOUN
easat-3190	249	14	-	-	PUNCT
easat-3190	249	15	to	to	ADP
easat-3190	249	16	-	-	PUNCT
easat-3190	249	17	peer	peer	NOUN
easat-3190	249	18	lending	lending	NOUN
easat-3190	249	19	market	market	NOUN
easat-3190	249	20	.	.	PUNCT
easat-3190	250	1	intelligent	intelligent	ADJ
easat-3190	250	2	systems	system	NOUN
easat-3190	250	3	in	in	ADP
easat-3190	250	4	accounting	accounting	NOUN
easat-3190	250	5	,	,	PUNCT
easat-3190	250	6	finance	finance	NOUN
easat-3190	250	7	and	and	CCONJ
easat-3190	250	8	management	management	NOUN
easat-3190	250	9	,	,	PUNCT
easat-3190	250	10	27(3	27(3	NUM
easat-3190	250	11	)	)	PUNCT
easat-3190	250	12	,	,	PUNCT
easat-3190	250	13	142–150	142–150	NUM
easat-3190	250	14	.	.	PUNCT
easat-3190	250	15	https://doi.org/10.1002/isaf.1480	https://doi.org/10.1002/isaf.1480	NOUN
easat-3190	251	1	[	[	X
easat-3190	251	2	6	6	NUM
easat-3190	251	3	]	]	X
easat-3190	251	4	calabrese	calabrese	PROPN
easat-3190	251	5	,	,	PUNCT
easat-3190	251	6	r.	r.	PROPN
easat-3190	251	7	,	,	PUNCT
easat-3190	251	8	osmetti	osmetti	PROPN
easat-3190	251	9	,	,	PUNCT
easat-3190	251	10	s.	s.	PROPN
easat-3190	251	11	a.	a.	PROPN
easat-3190	251	12	,	,	PUNCT
easat-3190	251	13	&	&	CCONJ
easat-3190	251	14	zanin	zanin	PROPN
easat-3190	251	15	,	,	PUNCT
easat-3190	251	16	l.	l.	PROPN
easat-3190	251	17	(	(	PUNCT
easat-3190	251	18	2019	2019	NUM
easat-3190	251	19	)	)	PUNCT
easat-3190	251	20	.	.	PUNCT
easat-3190	252	1	a	a	DET
easat-3190	252	2	joint	joint	ADJ
easat-3190	252	3	scoring	scoring	NOUN
easat-3190	252	4	model	model	NOUN
easat-3190	252	5	for	for	ADP
easat-3190	252	6	peer	peer	NOUN
easat-3190	252	7	-	-	PUNCT
easat-3190	252	8	to	to	ADP
easat-3190	252	9	-	-	PUNCT
easat-3190	252	10	peer	peer	NOUN
easat-3190	252	11	and	and	CCONJ
easat-3190	252	12	traditional	traditional	ADJ
easat-3190	252	13	lending	lending	NOUN
easat-3190	252	14	:	:	PUNCT
easat-3190	252	15	a	a	DET
easat-3190	252	16	bivariate	bivariate	ADJ
easat-3190	252	17	model	model	NOUN
easat-3190	252	18	with	with	ADP
easat-3190	252	19	copula	copula	ADJ
easat-3190	252	20	dependence	dependence	NOUN
easat-3190	252	21	.	.	PUNCT
easat-3190	253	1	journal	journal	NOUN
easat-3190	253	2	of	of	ADP
easat-3190	253	3	the	the	DET
easat-3190	253	4	royal	royal	ADJ
easat-3190	253	5	statistical	statistical	ADJ
easat-3190	253	6	society	society	NOUN
easat-3190	253	7	.	.	PUNCT
easat-3190	254	1	series	series	PROPN
easat-3190	254	2	a	a	PRON
easat-3190	254	3	:	:	PUNCT
easat-3190	254	4	statistics	statistic	NOUN
easat-3190	254	5	in	in	ADP
easat-3190	254	6	society	society	NOUN
easat-3190	254	7	,	,	PUNCT
easat-3190	254	8	182(4	182(4	NUM
easat-3190	254	9	)	)	PUNCT
easat-3190	254	10	,	,	PUNCT
easat-3190	254	11	1163–1188	1163–1188	NUM
easat-3190	254	12	.	.	PUNCT
easat-3190	254	13	https://doi.org/10.1111/rssa.12523	https://doi.org/10.1111/rssa.12523	NOUN
easat-3190	255	1	[	[	X
easat-3190	255	2	7	7	NUM
easat-3190	255	3	]	]	X
easat-3190	255	4	candra	candra	PROPN
easat-3190	255	5	,	,	PUNCT
easat-3190	255	6	s.	s.	PROPN
easat-3190	255	7	,	,	PUNCT
easat-3190	255	8	nuruttarwiyah	nuruttarwiyah	ADV
easat-3190	255	9	,	,	PUNCT
easat-3190	255	10	f.	f.	PROPN
easat-3190	255	11	,	,	PUNCT
easat-3190	255	12	&	&	CCONJ
easat-3190	255	13	hapsari	hapsari	PROPN
easat-3190	255	14	,	,	PUNCT
easat-3190	255	15	i.	i.	PROPN
easat-3190	255	16	h.	h.	PROPN
easat-3190	255	17	(	(	PUNCT
easat-3190	255	18	2020a	2020a	NUM
easat-3190	255	19	)	)	PUNCT
easat-3190	255	20	.	.	PUNCT
easat-3190	255	21	revisited	revisit	VERB
easat-3190	255	22	the	the	DET
easat-3190	255	23	technology	technology	NOUN
easat-3190	255	24	acceptance	acceptance	NOUN
easat-3190	255	25	model	model	NOUN
easat-3190	255	26	with	with	ADP
easat-3190	255	27	e	e	NOUN
easat-3190	255	28	-	-	NOUN
easat-3190	255	29	trust	trust	NOUN
easat-3190	255	30	for	for	ADP
easat-3190	255	31	peer	peer	NOUN
easat-3190	255	32	-	-	PUNCT
easat-3190	255	33	to	to	ADP
easat-3190	255	34	-	-	PUNCT
easat-3190	255	35	peer	peer	NOUN
easat-3190	255	36	lending	lending	NOUN
easat-3190	255	37	in	in	ADP
easat-3190	255	38	indonesia	indonesia	PROPN
easat-3190	255	39	(	(	PUNCT
easat-3190	255	40	perspective	perspective	NOUN
easat-3190	255	41	from	from	ADP
easat-3190	255	42	fintech	fintech	NOUN
easat-3190	255	43	users	user	NOUN
easat-3190	255	44	)	)	PUNCT
easat-3190	255	45	.	.	PUNCT
easat-3190	256	1	international	international	ADJ
easat-3190	256	2	journal	journal	PROPN
easat-3190	256	3	of	of	ADP
easat-3190	256	4	technology	technology	NOUN
easat-3190	256	5	,	,	PUNCT
easat-3190	256	6	11(4	11(4	NUM
easat-3190	256	7	)	)	PUNCT
easat-3190	256	8	,	,	PUNCT
easat-3190	256	9	710–721	710–721	NUM
easat-3190	256	10	.	.	PUNCT
easat-3190	256	11	https://doi.org/10.14716/ijtech.v11i4.4032	https://doi.org/10.14716/ijtech.v11i4.4032	NUM
easat-3190	257	1	[	[	X
easat-3190	257	2	8	8	NUM
easat-3190	257	3	]	]	X
easat-3190	257	4	candra	candra	PROPN
easat-3190	257	5	,	,	PUNCT
easat-3190	257	6	s.	s.	PROPN
easat-3190	257	7	,	,	PUNCT
easat-3190	257	8	nuruttarwiyah	nuruttarwiyah	ADV
easat-3190	257	9	,	,	PUNCT
easat-3190	257	10	f.	f.	PROPN
easat-3190	257	11	,	,	PUNCT
easat-3190	257	12	&	&	CCONJ
easat-3190	257	13	hapsari	hapsari	PROPN
easat-3190	257	14	,	,	PUNCT
easat-3190	257	15	i.	i.	PROPN
easat-3190	257	16	h.	h.	PROPN
easat-3190	257	17	(	(	PUNCT
easat-3190	257	18	2020b	2020b	NUM
easat-3190	257	19	)	)	PUNCT
easat-3190	257	20	.	.	PUNCT
easat-3190	257	21	revisited	revisit	VERB
easat-3190	257	22	the	the	DET
easat-3190	257	23	technology	technology	NOUN
easat-3190	257	24	acceptance	acceptance	NOUN
easat-3190	257	25	model	model	NOUN
easat-3190	257	26	with	with	ADP
easat-3190	257	27	e	e	NOUN
easat-3190	257	28	-	-	NOUN
easat-3190	257	29	trust	trust	NOUN
easat-3190	257	30	for	for	ADP
easat-3190	257	31	peer	peer	NOUN
easat-3190	257	32	-	-	PUNCT
easat-3190	257	33	to	to	ADP
easat-3190	257	34	-	-	PUNCT
easat-3190	257	35	peer	peer	NOUN
easat-3190	257	36	lending	lending	NOUN
easat-3190	257	37	in	in	ADP
easat-3190	257	38	indonesia	indonesia	PROPN
easat-3190	257	39	(	(	PUNCT
easat-3190	257	40	perspective	perspective	NOUN
easat-3190	257	41	from	from	ADP
easat-3190	257	42	fintech	fintech	NOUN
easat-3190	257	43	users	user	NOUN
easat-3190	257	44	)	)	PUNCT
easat-3190	257	45	.	.	PUNCT
easat-3190	258	1	international	international	ADJ
easat-3190	258	2	journal	journal	PROPN
easat-3190	258	3	of	of	ADP
easat-3190	258	4	technology	technology	NOUN
easat-3190	258	5	,	,	PUNCT
easat-3190	258	6	11(4	11(4	NUM
easat-3190	258	7	)	)	PUNCT
easat-3190	258	8	,	,	PUNCT
easat-3190	258	9	710–721	710–721	NUM
easat-3190	258	10	.	.	PUNCT
easat-3190	259	1	https://doi.org/10.14716/ijtech.v11i4.4032	https://doi.org/10.14716/ijtech.v11i4.4032	NUM
easat-3190	259	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-3190	259	3	5346	5346	NUM
easat-3190	259	4	edelweiss	edelweiss	PROPN
easat-3190	259	5	applied	apply	VERB
easat-3190	259	6	science	science	NOUN
easat-3190	259	7	and	and	CCONJ
easat-3190	259	8	technology	technology	NOUN
easat-3190	259	9	issn	issn	PROPN
easat-3190	259	10	:	:	PUNCT
easat-3190	259	11	2576	2576	NUM
easat-3190	259	12	-	-	SYM
easat-3190	259	13	8484	8484	NUM
easat-3190	259	14	vol	vol	NOUN
easat-3190	259	15	.	.	PROPN
easat-3190	259	16	8	8	NUM
easat-3190	259	17	,	,	PUNCT
easat-3190	259	18	no	no	INTJ
easat-3190	259	19	.	.	NOUN
easat-3190	260	1	6	6	NUM
easat-3190	260	2	:	:	SYM
easat-3190	260	3	5336	5336	NUM
easat-3190	260	4	-	-	SYM
easat-3190	260	5	5348	5348	NUM
easat-3190	260	6	,	,	PUNCT
easat-3190	260	7	2024	2024	NUM
easat-3190	260	8	doi	doi	NOUN
easat-3190	260	9	:	:	PUNCT
easat-3190	260	10	10.55214/25768484.v8i6.3190	10.55214/25768484.v8i6.3190	NUM
easat-3190	260	11	©	©	ADP
easat-3190	260	12	2024	2024	NUM
easat-3190	260	13	by	by	ADP
easat-3190	260	14	the	the	DET
easat-3190	260	15	authors	author	NOUN
easat-3190	260	16	;	;	PUNCT
easat-3190	260	17	licensee	licensee	PROPN
easat-3190	260	18	learning	learning	NOUN
easat-3190	260	19	gate	gate	NOUN
easat-3190	261	1	[	[	X
easat-3190	261	2	9	9	NUM
easat-3190	261	3	]	]	SYM
easat-3190	261	4	caplescu	caplescu	NOUN
easat-3190	261	5	,	,	PUNCT
easat-3190	261	6	r.	r.	PROPN
easat-3190	261	7	d.	d.	PROPN
easat-3190	261	8	,	,	PUNCT
easat-3190	261	9	panaite	panaite	ADJ
easat-3190	261	10	,	,	PUNCT
easat-3190	261	11	a.-m	a.-m	PROPN
easat-3190	261	12	.	.	PUNCT
easat-3190	261	13	,	,	PUNCT
easat-3190	261	14	pele	pele	PROPN
easat-3190	261	15	,	,	PUNCT
easat-3190	261	16	d.	d.	PROPN
easat-3190	261	17	t.	t.	PROPN
easat-3190	261	18	,	,	PUNCT
easat-3190	261	19	&	&	CCONJ
easat-3190	261	20	strat	strat	PROPN
easat-3190	261	21	,	,	PUNCT
easat-3190	261	22	v.	v.	ADP
easat-3190	261	23	a.	a.	NOUN
easat-3190	261	24	(	(	PUNCT
easat-3190	261	25	2020	2020	NUM
easat-3190	261	26	)	)	PUNCT
easat-3190	261	27	.	.	PUNCT
easat-3190	262	1	will	will	AUX
easat-3190	262	2	they	they	PRON
easat-3190	262	3	repay	repay	VERB
easat-3190	262	4	their	their	PRON
easat-3190	262	5	debt	debt	NOUN
easat-3190	262	6	?	?	PUNCT
easat-3190	263	1	identification	identification	NOUN
easat-3190	263	2	of	of	ADP
easat-3190	263	3	borrowers	borrower	NOUN
easat-3190	263	4	likely	likely	ADJ
easat-3190	263	5	to	to	PART
easat-3190	263	6	be	be	AUX
easat-3190	263	7	charged	charge	VERB
easat-3190	263	8	off	off	ADP
easat-3190	263	9	.	.	PUNCT
easat-3190	264	1	management	management	NOUN
easat-3190	264	2	and	and	CCONJ
easat-3190	264	3	marketing	marketing	NOUN
easat-3190	264	4	,	,	PUNCT
easat-3190	264	5	15(3	15(3	NUM
easat-3190	264	6	)	)	PUNCT
easat-3190	264	7	,	,	PUNCT
easat-3190	264	8	393–409	393–409	NUM
easat-3190	264	9	.	.	PUNCT
easat-3190	265	1	https://doi.org/10.2478/mmcks2020-0023	https://doi.org/10.2478/mmcks2020-0023	X
easat-3190	266	1	[	[	X
easat-3190	266	2	10	10	NUM
easat-3190	266	3	]	]	X
easat-3190	266	4	chen	chen	PROPN
easat-3190	266	5	,	,	PUNCT
easat-3190	266	6	c.	c.	PROPN
easat-3190	266	7	,	,	PUNCT
easat-3190	266	8	li	li	PROPN
easat-3190	266	9	,	,	PUNCT
easat-3190	266	10	g.	g.	PROPN
easat-3190	266	11	,	,	PUNCT
easat-3190	266	12	fan	fan	PROPN
easat-3190	266	13	,	,	PUNCT
easat-3190	266	14	l.	l.	PROPN
easat-3190	266	15	,	,	PUNCT
easat-3190	266	16	&	&	CCONJ
easat-3190	266	17	qin	qin	PROPN
easat-3190	266	18	,	,	PUNCT
easat-3190	266	19	j.	j.	PROPN
easat-3190	266	20	(	(	PUNCT
easat-3190	266	21	2021	2021	NUM
easat-3190	266	22	)	)	PUNCT
easat-3190	266	23	.	.	PUNCT
easat-3190	267	1	the	the	DET
easat-3190	267	2	impact	impact	NOUN
easat-3190	267	3	of	of	ADP
easat-3190	267	4	automated	automate	VERB
easat-3190	267	5	investment	investment	NOUN
easat-3190	267	6	on	on	ADP
easat-3190	267	7	peer	peer	NOUN
easat-3190	267	8	-	-	PUNCT
easat-3190	267	9	to	to	ADP
easat-3190	267	10	-	-	PUNCT
easat-3190	267	11	peer	peer	NOUN
easat-3190	267	12	lending	lending	NOUN
easat-3190	267	13	.	.	PUNCT
easat-3190	268	1	journal	journal	PROPN
easat-3190	268	2	of	of	ADP
easat-3190	268	3	global	global	ADJ
easat-3190	268	4	information	information	NOUN
easat-3190	268	5	management	management	NOUN
easat-3190	268	6	,	,	PUNCT
easat-3190	268	7	29(6	29(6	NUM
easat-3190	268	8	)	)	PUNCT
easat-3190	268	9	,	,	PUNCT
easat-3190	268	10	1–22	1–22	NOUN
easat-3190	268	11	.	.	PUNCT
easat-3190	269	1	https://doi.org/10.4018/jgim.20211101.oa36	https://doi.org/10.4018/jgim.20211101.oa36	PUNCT
easat-3190	270	1	[	[	X
easat-3190	270	2	11	11	NUM
easat-3190	270	3	]	]	X
easat-3190	270	4	chen	chen	PROPN
easat-3190	270	5	,	,	PUNCT
easat-3190	270	6	c.	c.	PROPN
easat-3190	270	7	w.	w.	PROPN
easat-3190	270	8	s.	s.	PROPN
easat-3190	270	9	,	,	PUNCT
easat-3190	270	10	dong	dong	PROPN
easat-3190	270	11	,	,	PUNCT
easat-3190	270	12	m.	m.	PROPN
easat-3190	270	13	c.	c.	PROPN
easat-3190	270	14	,	,	PUNCT
easat-3190	270	15	liu	liu	PROPN
easat-3190	270	16	,	,	PUNCT
easat-3190	270	17	n.	n.	PROPN
easat-3190	270	18	,	,	PUNCT
easat-3190	270	19	&	&	CCONJ
easat-3190	270	20	sriboonchitta	sriboonchitta	PROPN
easat-3190	270	21	,	,	PUNCT
easat-3190	270	22	s.	s.	PROPN
easat-3190	270	23	(	(	PUNCT
easat-3190	270	24	2019	2019	NUM
easat-3190	270	25	)	)	PUNCT
easat-3190	270	26	.	.	PUNCT
easat-3190	271	1	inferences	inference	NOUN
easat-3190	271	2	of	of	ADP
easat-3190	271	3	default	default	NOUN
easat-3190	271	4	risk	risk	NOUN
easat-3190	271	5	and	and	CCONJ
easat-3190	271	6	borrower	borrower	NOUN
easat-3190	271	7	characteristics	characteristic	NOUN
easat-3190	271	8	on	on	ADP
easat-3190	271	9	p2p	p2p	NOUN
easat-3190	271	10	lending	lending	NOUN
easat-3190	271	11	.	.	PUNCT
easat-3190	272	1	north	north	PROPN
easat-3190	272	2	american	american	PROPN
easat-3190	272	3	journal	journal	PROPN
easat-3190	272	4	of	of	ADP
easat-3190	272	5	economics	economic	NOUN
easat-3190	272	6	and	and	CCONJ
easat-3190	272	7	finance	finance	NOUN
easat-3190	272	8	,	,	PUNCT
easat-3190	272	9	50(october	50(october	NOUN
easat-3190	272	10	2018	2018	NUM
easat-3190	272	11	)	)	PUNCT
easat-3190	272	12	,	,	PUNCT
easat-3190	272	13	101013	101013	NUM
easat-3190	272	14	.	.	PUNCT
easat-3190	273	1	https://doi.org/10.1016/j.najef.2019.101013	https://doi.org/10.1016/j.najef.2019.101013	PROPN
easat-3190	274	1	[	[	X
easat-3190	274	2	12	12	NUM
easat-3190	274	3	]	]	X
easat-3190	274	4	chen	chen	PROPN
easat-3190	274	5	,	,	PUNCT
easat-3190	274	6	s.	s.	PROPN
easat-3190	274	7	,	,	PUNCT
easat-3190	274	8	gu	gu	PROPN
easat-3190	274	9	,	,	PUNCT
easat-3190	274	10	y.	y.	PROPN
easat-3190	274	11	,	,	PUNCT
easat-3190	274	12	liu	liu	PROPN
easat-3190	274	13	,	,	PUNCT
easat-3190	274	14	q.	q.	PROPN
easat-3190	274	15	,	,	PUNCT
easat-3190	274	16	&	&	CCONJ
easat-3190	274	17	tse	tse	PROPN
easat-3190	274	18	,	,	PUNCT
easat-3190	274	19	y.	y.	PROPN
easat-3190	274	20	(	(	PUNCT
easat-3190	274	21	2020	2020	NUM
easat-3190	274	22	)	)	PUNCT
easat-3190	274	23	.	.	PUNCT
easat-3190	275	1	how	how	SCONJ
easat-3190	275	2	do	do	AUX
easat-3190	275	3	lenders	lender	NOUN
easat-3190	275	4	evaluate	evaluate	VERB
easat-3190	275	5	borrowers	borrower	NOUN
easat-3190	275	6	in	in	ADP
easat-3190	275	7	peer	peer	NOUN
easat-3190	275	8	-	-	PUNCT
easat-3190	275	9	to	to	ADP
easat-3190	275	10	-	-	PUNCT
easat-3190	275	11	peer	peer	NOUN
easat-3190	275	12	lending	lending	NOUN
easat-3190	275	13	in	in	ADP
easat-3190	275	14	china	china	PROPN
easat-3190	275	15	?	?	PUNCT
easat-3190	276	1	international	international	ADJ
easat-3190	276	2	review	review	NOUN
easat-3190	276	3	of	of	ADP
easat-3190	276	4	economics	economic	NOUN
easat-3190	276	5	and	and	CCONJ
easat-3190	276	6	finance	finance	NOUN
easat-3190	276	7	,	,	PUNCT
easat-3190	276	8	69	69	NUM
easat-3190	276	9	,	,	PUNCT
easat-3190	276	10	651–662	651–662	NUM
easat-3190	276	11	.	.	PUNCT
easat-3190	277	1	https://doi.org/10.1016/j.iref.2020.06.038	https://doi.org/10.1016/j.iref.2020.06.038	NOUN
easat-3190	277	2	[	[	X
easat-3190	277	3	13	13	NUM
easat-3190	277	4	]	]	X
easat-3190	277	5	chen	chen	PROPN
easat-3190	277	6	,	,	PUNCT
easat-3190	277	7	s.	s.	PROPN
easat-3190	277	8	,	,	PUNCT
easat-3190	277	9	gu	gu	PROPN
easat-3190	277	10	,	,	PUNCT
easat-3190	277	11	y.	y.	PROPN
easat-3190	277	12	,	,	PUNCT
easat-3190	277	13	liu	liu	PROPN
easat-3190	277	14	,	,	PUNCT
easat-3190	277	15	q.	q.	PROPN
easat-3190	277	16	,	,	PUNCT
easat-3190	277	17	&	&	CCONJ
easat-3190	277	18	tse	tse	PROPN
easat-3190	277	19	,	,	PUNCT
easat-3190	277	20	y.	y.	PROPN
easat-3190	277	21	(	(	PUNCT
easat-3190	277	22	2020b	2020b	NUM
easat-3190	277	23	)	)	PUNCT
easat-3190	277	24	.	.	PUNCT
easat-3190	278	1	how	how	SCONJ
easat-3190	278	2	do	do	AUX
easat-3190	278	3	lenders	lender	NOUN
easat-3190	278	4	evaluate	evaluate	VERB
easat-3190	278	5	borrowers	borrower	NOUN
easat-3190	278	6	in	in	ADP
easat-3190	278	7	peer	peer	NOUN
easat-3190	278	8	-	-	PUNCT
easat-3190	278	9	to	to	ADP
easat-3190	278	10	-	-	PUNCT
easat-3190	278	11	peer	peer	NOUN
easat-3190	278	12	lending	lending	NOUN
easat-3190	278	13	in	in	ADP
easat-3190	278	14	china	china	PROPN
easat-3190	278	15	?	?	PUNCT
easat-3190	279	1	international	international	ADJ
easat-3190	279	2	review	review	NOUN
easat-3190	279	3	of	of	ADP
easat-3190	279	4	economics	economic	NOUN
easat-3190	279	5	and	and	CCONJ
easat-3190	279	6	finance	finance	NOUN
easat-3190	279	7	,	,	PUNCT
easat-3190	279	8	69	69	NUM
easat-3190	279	9	,	,	PUNCT
easat-3190	279	10	651–662	651–662	NUM
easat-3190	279	11	.	.	PUNCT
easat-3190	280	1	https://doi.org/10.1016/j.iref.2020.06.038	https://doi.org/10.1016/j.iref.2020.06.038	NOUN
easat-3190	280	2	[	[	X
easat-3190	280	3	14	14	NUM
easat-3190	280	4	]	]	PUNCT
easat-3190	280	5	darmansyah	darmansyah	NOUN
easat-3190	280	6	,	,	PUNCT
easat-3190	280	7	fianto	fianto	PROPN
easat-3190	280	8	,	,	PUNCT
easat-3190	280	9	b.	b.	PROPN
easat-3190	280	10	a.	a.	PROPN
easat-3190	280	11	,	,	PUNCT
easat-3190	280	12	hendratmi	hendratmi	PROPN
easat-3190	280	13	,	,	PUNCT
easat-3190	280	14	a.	a.	PROPN
easat-3190	280	15	,	,	PUNCT
easat-3190	280	16	&	&	CCONJ
easat-3190	280	17	aziz	aziz	PROPN
easat-3190	280	18	,	,	PUNCT
easat-3190	280	19	p.	p.	PROPN
easat-3190	280	20	f.	f.	PROPN
easat-3190	280	21	(	(	PUNCT
easat-3190	280	22	2020	2020	NUM
easat-3190	280	23	)	)	PUNCT
easat-3190	280	24	.	.	PUNCT
easat-3190	281	1	factors	factor	NOUN
easat-3190	281	2	determining	determine	VERB
easat-3190	281	3	behavioral	behavioral	ADJ
easat-3190	281	4	intentions	intention	NOUN
easat-3190	281	5	to	to	PART
easat-3190	281	6	use	use	VERB
easat-3190	281	7	islamic	islamic	ADJ
easat-3190	281	8	financial	financial	ADJ
easat-3190	281	9	technology	technology	NOUN
easat-3190	281	10	:	:	PUNCT
easat-3190	281	11	three	three	NUM
easat-3190	281	12	competing	compete	VERB
easat-3190	281	13	models	model	NOUN
easat-3190	281	14	.	.	PUNCT
easat-3190	282	1	journal	journal	PROPN
easat-3190	282	2	of	of	ADP
easat-3190	282	3	islamic	islamic	PROPN
easat-3190	282	4	marketing	marketing	NOUN
easat-3190	282	5	,	,	PUNCT
easat-3190	282	6	12(4	12(4	NUM
easat-3190	282	7	)	)	PUNCT
easat-3190	282	8	,	,	PUNCT
easat-3190	282	9	794–812	794–812	NUM
easat-3190	282	10	.	.	PUNCT
easat-3190	282	11	https://doi.org/10.1108/jima-12-2019-0252	https://doi.org/10.1108/jima-12-2019-0252	PROPN
easat-3190	283	1	[	[	X
easat-3190	283	2	15	15	NUM
easat-3190	283	3	]	]	X
easat-3190	283	4	davis	davis	PROPN
easat-3190	283	5	,	,	PUNCT
easat-3190	283	6	f.	f.	PROPN
easat-3190	283	7	d.	d.	PROPN
easat-3190	283	8	(	(	PUNCT
easat-3190	283	9	1989	1989	NUM
easat-3190	283	10	)	)	PUNCT
easat-3190	283	11	.	.	PUNCT
easat-3190	284	1	perceived	perceive	VERB
easat-3190	284	2	usefullness	usefullness	NOUN
easat-3190	284	3	,	,	PUNCT
easat-3190	284	4	perceived	perceive	VERB
easat-3190	284	5	ease	ease	NOUN
easat-3190	284	6	of	of	ADP
easat-3190	284	7	use	use	NOUN
easat-3190	284	8	and	and	CCONJ
easat-3190	284	9	user	user	NOUN
easat-3190	284	10	acceptance	acceptance	NOUN
easat-3190	284	11	of	of	ADP
easat-3190	284	12	information	information	NOUN
easat-3190	284	13	teknology	teknology	PROPN
easat-3190	284	14	.	.	PUNCT
easat-3190	285	1	mis	mis	PROPN
easat-3190	285	2	quarterly	quarterly	PROPN
easat-3190	285	3	:	:	PUNCT
easat-3190	285	4	management	management	NOUN
easat-3190	285	5	information	information	NOUN
easat-3190	285	6	systems	system	NOUN
easat-3190	285	7	,	,	PUNCT
easat-3190	285	8	13(3	13(3	NUM
easat-3190	285	9	)	)	PUNCT
easat-3190	285	10	,	,	PUNCT
easat-3190	285	11	319–340	319–340	NUM
easat-3190	285	12	.	.	PUNCT
easat-3190	286	1	https://doi.org/10.5962/bhl.title.33621	https://doi.org/10.5962/bhl.title.33621	PROPN
easat-3190	287	1	[	[	X
easat-3190	287	2	16	16	NUM
easat-3190	287	3	]	]	X
easat-3190	287	4	de	de	X
easat-3190	287	5	franco	franco	PROPN
easat-3190	287	6	,	,	PUNCT
easat-3190	287	7	g.	g.	PROPN
easat-3190	287	8	,	,	PUNCT
easat-3190	287	9	edwards	edwards	PROPN
easat-3190	287	10	,	,	PUNCT
easat-3190	287	11	a.	a.	PROPN
easat-3190	287	12	,	,	PUNCT
easat-3190	287	13	&	&	CCONJ
easat-3190	287	14	liao	liao	PROPN
easat-3190	287	15	,	,	PUNCT
easat-3190	287	16	s.	s.	PROPN
easat-3190	287	17	(	(	PUNCT
easat-3190	287	18	2021	2021	NUM
easat-3190	287	19	)	)	PUNCT
easat-3190	287	20	.	.	PUNCT
easat-3190	288	1	product	product	NOUN
easat-3190	288	2	market	market	NOUN
easat-3190	288	3	peers	peer	NOUN
easat-3190	288	4	in	in	ADP
easat-3190	288	5	lending	lending	NOUN
easat-3190	288	6	.	.	PUNCT
easat-3190	289	1	management	management	NOUN
easat-3190	289	2	science	science	NOUN
easat-3190	289	3	,	,	PUNCT
easat-3190	289	4	67(3	67(3	NUM
easat-3190	289	5	)	)	PUNCT
easat-3190	289	6	,	,	PUNCT
easat-3190	289	7	1876	1876	NUM
easat-3190	289	8	–	–	PUNCT
easat-3190	289	9	1894	1894	NUM
easat-3190	289	10	.	.	PUNCT
easat-3190	290	1	https://doi.org/10.1287/mnsc.2019.3539	https://doi.org/10.1287/mnsc.2019.3539	PROPN
easat-3190	290	2	[	[	X
easat-3190	290	3	17	17	NUM
easat-3190	290	4	]	]	X
easat-3190	290	5	ding	ding	NOUN
easat-3190	290	6	,	,	PUNCT
easat-3190	290	7	j.	j.	PROPN
easat-3190	290	8	,	,	PUNCT
easat-3190	290	9	huang	huang	PROPN
easat-3190	290	10	,	,	PUNCT
easat-3190	290	11	j.	j.	PROPN
easat-3190	290	12	,	,	PUNCT
easat-3190	290	13	li	li	PROPN
easat-3190	290	14	,	,	PUNCT
easat-3190	290	15	y.	y.	PROPN
easat-3190	290	16	,	,	PUNCT
easat-3190	290	17	&	&	CCONJ
easat-3190	290	18	meng	meng	PROPN
easat-3190	290	19	,	,	PUNCT
easat-3190	290	20	m.	m.	NOUN
easat-3190	290	21	(	(	PUNCT
easat-3190	290	22	2019	2019	NUM
easat-3190	290	23	)	)	PUNCT
easat-3190	290	24	.	.	PUNCT
easat-3190	291	1	is	be	AUX
easat-3190	291	2	there	there	PRON
easat-3190	291	3	an	an	DET
easat-3190	291	4	effective	effective	ADJ
easat-3190	291	5	reputation	reputation	NOUN
easat-3190	291	6	mechanism	mechanism	NOUN
easat-3190	291	7	in	in	ADP
easat-3190	291	8	peer	peer	NOUN
easat-3190	291	9	-	-	PUNCT
easat-3190	291	10	to	to	ADP
easat-3190	291	11	-	-	PUNCT
easat-3190	291	12	peer	peer	NOUN
easat-3190	291	13	lending	lending	NOUN
easat-3190	291	14	?	?	PUNCT
easat-3190	292	1	evidence	evidence	NOUN
easat-3190	292	2	from	from	ADP
easat-3190	292	3	china	china	PROPN
easat-3190	292	4	.	.	PUNCT
easat-3190	293	1	finance	finance	NOUN
easat-3190	293	2	research	research	NOUN
easat-3190	293	3	letters	letter	NOUN
easat-3190	293	4	,	,	PUNCT
easat-3190	293	5	30	30	NUM
easat-3190	293	6	,	,	PUNCT
easat-3190	293	7	208–215	208–215	NUM
easat-3190	293	8	.	.	PUNCT
easat-3190	294	1	https://doi.org/10.1016/j.frl.2018.09.015	https://doi.org/10.1016/j.frl.2018.09.015	PROPN
easat-3190	294	2	[	[	X
easat-3190	294	3	18	18	NUM
easat-3190	294	4	]	]	PUNCT
easat-3190	294	5	dospinescu	dospinescu	NOUN
easat-3190	294	6	,	,	PUNCT
easat-3190	294	7	o.	o.	PROPN
easat-3190	294	8	,	,	PUNCT
easat-3190	294	9	dospinescu	dospinescu	PROPN
easat-3190	294	10	,	,	PUNCT
easat-3190	294	11	n.	n.	NOUN
easat-3190	294	12	,	,	PUNCT
easat-3190	294	13	&	&	CCONJ
easat-3190	294	14	agheorghiesei	agheorghiesei	VERB
easat-3190	294	15	,	,	PUNCT
easat-3190	294	16	d.-t	d.-t	NOUN
easat-3190	294	17	.	.	PUNCT
easat-3190	295	1	(	(	PUNCT
easat-3190	295	2	2021a	2021a	NUM
easat-3190	295	3	)	)	PUNCT
easat-3190	295	4	.	.	PUNCT
easat-3190	296	1	fintech	fintech	NOUN
easat-3190	296	2	services	service	NOUN
easat-3190	296	3	and	and	CCONJ
easat-3190	296	4	factors	factor	NOUN
easat-3190	296	5	determining	determine	VERB
easat-3190	296	6	the	the	DET
easat-3190	296	7	expected	expect	VERB
easat-3190	296	8	benefits	benefit	NOUN
easat-3190	296	9	of	of	ADP
easat-3190	296	10	users	user	NOUN
easat-3190	296	11	:	:	PUNCT
easat-3190	296	12	evidence	evidence	NOUN
easat-3190	296	13	in	in	ADP
easat-3190	296	14	romania	romania	PROPN
easat-3190	296	15	for	for	ADP
easat-3190	296	16	millennials	millennial	NOUN
easat-3190	296	17	and	and	CCONJ
easat-3190	297	1	generation	generation	NOUN
easat-3190	297	2	z.	z.	PROPN
easat-3190	297	3	e	e	PROPN
easat-3190	297	4	a	a	DET
easat-3190	297	5	m	m	PROPN
easat-3190	297	6	:	:	PUNCT
easat-3190	297	7	ekonomie	ekonomie	NOUN
easat-3190	297	8	a	a	DET
easat-3190	297	9	management	management	NOUN
easat-3190	297	10	,	,	PUNCT
easat-3190	297	11	24(2	24(2	NUM
easat-3190	297	12	)	)	PUNCT
easat-3190	297	13	,	,	PUNCT
easat-3190	297	14	101–118	101–118	NUM
easat-3190	297	15	.	.	PUNCT
easat-3190	298	1	https://doi.org/10.15240/tul/001/2021-2-007	https://doi.org/10.15240/tul/001/2021-2-007	VERB
easat-3190	298	2	[	[	X
easat-3190	298	3	19	19	NUM
easat-3190	298	4	]	]	PUNCT
easat-3190	298	5	dospinescu	dospinescu	NOUN
easat-3190	298	6	,	,	PUNCT
easat-3190	298	7	o.	o.	PROPN
easat-3190	298	8	,	,	PUNCT
easat-3190	298	9	dospinescu	dospinescu	PROPN
easat-3190	298	10	,	,	PUNCT
easat-3190	298	11	n.	n.	NOUN
easat-3190	298	12	,	,	PUNCT
easat-3190	298	13	&	&	CCONJ
easat-3190	298	14	agheorghiesei	agheorghiesei	VERB
easat-3190	298	15	,	,	PUNCT
easat-3190	298	16	d.	d.	PROPN
easat-3190	298	17	t.	t.	PROPN
easat-3190	298	18	(	(	PUNCT
easat-3190	298	19	2021b	2021b	NUM
easat-3190	298	20	)	)	PUNCT
easat-3190	298	21	.	.	PUNCT
easat-3190	299	1	fintech	fintech	NOUN
easat-3190	299	2	services	service	NOUN
easat-3190	299	3	and	and	CCONJ
easat-3190	299	4	factors	factor	NOUN
easat-3190	299	5	determining	determine	VERB
easat-3190	299	6	the	the	DET
easat-3190	299	7	expected	expect	VERB
easat-3190	299	8	benefits	benefit	NOUN
easat-3190	299	9	of	of	ADP
easat-3190	299	10	users	user	NOUN
easat-3190	299	11	:	:	PUNCT
easat-3190	299	12	evidence	evidence	NOUN
easat-3190	299	13	in	in	ADP
easat-3190	299	14	romania	romania	PROPN
easat-3190	299	15	for	for	ADP
easat-3190	299	16	millennials	millennial	NOUN
easat-3190	299	17	and	and	CCONJ
easat-3190	300	1	generation	generation	NOUN
easat-3190	300	2	z.	z.	PROPN
easat-3190	300	3	e	e	PROPN
easat-3190	300	4	a	a	DET
easat-3190	300	5	m	m	PROPN
easat-3190	300	6	:	:	PUNCT
easat-3190	300	7	ekonomie	ekonomie	NOUN
easat-3190	300	8	a	a	DET
easat-3190	300	9	management	management	NOUN
easat-3190	300	10	,	,	PUNCT
easat-3190	300	11	24(2	24(2	NUM
easat-3190	300	12	)	)	PUNCT
easat-3190	300	13	,	,	PUNCT
easat-3190	300	14	101–118	101–118	NUM
easat-3190	300	15	.	.	PUNCT
easat-3190	301	1	https://doi.org/10.15240/tul/001/2021-2-007	https://doi.org/10.15240/tul/001/2021-2-007	VERB
easat-3190	301	2	[	[	PUNCT
easat-3190	301	3	20	20	NUM
easat-3190	301	4	]	]	X
easat-3190	301	5	freedman	freedman	PROPN
easat-3190	301	6	,	,	PUNCT
easat-3190	301	7	s.	s.	PROPN
easat-3190	301	8	,	,	PUNCT
easat-3190	301	9	&	&	CCONJ
easat-3190	301	10	jin	jin	PROPN
easat-3190	301	11	,	,	PUNCT
easat-3190	301	12	g.	g.	PROPN
easat-3190	301	13	z.	z.	PROPN
easat-3190	301	14	(	(	PUNCT
easat-3190	301	15	2017	2017	NUM
easat-3190	301	16	)	)	PUNCT
easat-3190	301	17	.	.	PUNCT
easat-3190	302	1	the	the	DET
easat-3190	302	2	information	information	NOUN
easat-3190	302	3	value	value	NOUN
easat-3190	302	4	of	of	ADP
easat-3190	302	5	online	online	ADJ
easat-3190	302	6	social	social	ADJ
easat-3190	302	7	networks	network	NOUN
easat-3190	302	8	:	:	PUNCT
easat-3190	302	9	lessons	lesson	NOUN
easat-3190	302	10	from	from	ADP
easat-3190	302	11	peer	peer	NOUN
easat-3190	302	12	-	-	PUNCT
easat-3190	302	13	to	to	ADP
easat-3190	302	14	-	-	PUNCT
easat-3190	302	15	peer	peer	NOUN
easat-3190	302	16	lending	lending	NOUN
easat-3190	302	17	.	.	PUNCT
easat-3190	303	1	international	international	ADJ
easat-3190	303	2	journal	journal	PROPN
easat-3190	303	3	of	of	ADP
easat-3190	303	4	industrial	industrial	ADJ
easat-3190	303	5	organization	organization	NOUN
easat-3190	303	6	,	,	PUNCT
easat-3190	303	7	51	51	NUM
easat-3190	303	8	,	,	PUNCT
easat-3190	303	9	185–222	185–222	NUM
easat-3190	303	10	.	.	PUNCT
easat-3190	304	1	https://doi.org/10.1016/j.ijindorg.2016.09.002	https://doi.org/10.1016/j.ijindorg.2016.09.002	NOUN
easat-3190	304	2	[	[	X
easat-3190	304	3	21	21	NUM
easat-3190	304	4	]	]	X
easat-3190	304	5	ge	ge	PROPN
easat-3190	304	6	,	,	PUNCT
easat-3190	304	7	r.	r.	PROPN
easat-3190	304	8	,	,	PUNCT
easat-3190	304	9	feng	feng	PROPN
easat-3190	304	10	,	,	PUNCT
easat-3190	304	11	j.	j.	PROPN
easat-3190	304	12	,	,	PUNCT
easat-3190	304	13	gu	gu	PROPN
easat-3190	304	14	,	,	PUNCT
easat-3190	304	15	b.	b.	PROPN
easat-3190	304	16	,	,	PUNCT
easat-3190	304	17	&	&	CCONJ
easat-3190	304	18	zhang	zhang	PROPN
easat-3190	304	19	,	,	PUNCT
easat-3190	304	20	p.	p.	PROPN
easat-3190	304	21	(	(	PUNCT
easat-3190	304	22	2017	2017	NUM
easat-3190	304	23	)	)	PUNCT
easat-3190	304	24	.	.	PUNCT
easat-3190	305	1	predicting	predict	VERB
easat-3190	305	2	and	and	CCONJ
easat-3190	305	3	deterring	deter	VERB
easat-3190	305	4	default	default	NOUN
easat-3190	305	5	with	with	ADP
easat-3190	305	6	social	social	ADJ
easat-3190	305	7	media	medium	NOUN
easat-3190	305	8	information	information	NOUN
easat-3190	305	9	in	in	ADP
easat-3190	305	10	peerto	peerto	NOUN
easat-3190	305	11	-	-	PUNCT
easat-3190	305	12	peer	peer	NOUN
easat-3190	305	13	lending	lending	NOUN
easat-3190	305	14	.	.	PUNCT
easat-3190	306	1	journal	journal	PROPN
easat-3190	306	2	of	of	ADP
easat-3190	306	3	management	management	NOUN
easat-3190	306	4	information	information	NOUN
easat-3190	306	5	systems	system	NOUN
easat-3190	306	6	,	,	PUNCT
easat-3190	306	7	34(2	34(2	NUM
easat-3190	306	8	)	)	PUNCT
easat-3190	306	9	,	,	PUNCT
easat-3190	306	10	401–424	401–424	NUM
easat-3190	306	11	.	.	PUNCT
easat-3190	307	1	https://doi.org/10.1080/07421222.2017.1334472	https://doi.org/10.1080/07421222.2017.1334472	X
easat-3190	308	1	[	[	X
easat-3190	308	2	22	22	NUM
easat-3190	308	3	]	]	PUNCT
easat-3190	308	4	gibilaro	gibilaro	NOUN
easat-3190	308	5	,	,	PUNCT
easat-3190	308	6	l.	l.	PROPN
easat-3190	308	7	,	,	PUNCT
easat-3190	308	8	&	&	CCONJ
easat-3190	308	9	mattarocci	mattarocci	PROPN
easat-3190	308	10	,	,	PUNCT
easat-3190	308	11	g.	g.	PROPN
easat-3190	308	12	(	(	PUNCT
easat-3190	308	13	2018	2018	NUM
easat-3190	308	14	)	)	PUNCT
easat-3190	308	15	.	.	PUNCT
easat-3190	309	1	peer	peer	NOUN
easat-3190	309	2	-	-	PUNCT
easat-3190	309	3	to	to	ADP
easat-3190	309	4	-	-	PUNCT
easat-3190	309	5	peer	peer	NOUN
easat-3190	309	6	lending	lending	NOUN
easat-3190	309	7	and	and	CCONJ
easat-3190	309	8	real	real	ADJ
easat-3190	309	9	estate	estate	NOUN
easat-3190	309	10	mortgages	mortgage	NOUN
easat-3190	309	11	:	:	PUNCT
easat-3190	309	12	evidence	evidence	NOUN
easat-3190	309	13	from	from	ADP
easat-3190	309	14	united	united	PROPN
easat-3190	309	15	kingdom	kingdom	PROPN
easat-3190	309	16	.	.	PUNCT
easat-3190	310	1	journal	journal	PROPN
easat-3190	310	2	of	of	ADP
easat-3190	310	3	european	european	PROPN
easat-3190	310	4	real	real	ADJ
easat-3190	310	5	estate	estate	NOUN
easat-3190	310	6	research	research	NOUN
easat-3190	310	7	,	,	PUNCT
easat-3190	310	8	11(3	11(3	NUM
easat-3190	310	9	)	)	PUNCT
easat-3190	310	10	,	,	PUNCT
easat-3190	310	11	319–334	319–334	NUM
easat-3190	310	12	.	.	PUNCT
easat-3190	311	1	https://doi.org/10.1108/jerer-12-2016-0048	https://doi.org/10.1108/jerer-12-2016-0048	PROPN
easat-3190	312	1	[	[	X
easat-3190	312	2	23	23	NUM
easat-3190	312	3	]	]	X
easat-3190	312	4	gonzalez	gonzalez	PROPN
easat-3190	312	5	,	,	PUNCT
easat-3190	312	6	l.	l.	PROPN
easat-3190	312	7	(	(	PUNCT
easat-3190	312	8	2020	2020	NUM
easat-3190	312	9	)	)	PUNCT
easat-3190	312	10	.	.	PUNCT
easat-3190	313	1	blockchain	blockchain	PROPN
easat-3190	313	2	,	,	PUNCT
easat-3190	313	3	herding	herding	NOUN
easat-3190	313	4	and	and	CCONJ
easat-3190	313	5	trust	trust	NOUN
easat-3190	313	6	in	in	ADP
easat-3190	313	7	peer	peer	NOUN
easat-3190	313	8	-	-	PUNCT
easat-3190	313	9	to	to	ADP
easat-3190	313	10	-	-	PUNCT
easat-3190	313	11	peer	peer	NOUN
easat-3190	313	12	lending	lending	NOUN
easat-3190	313	13	.	.	PUNCT
easat-3190	314	1	managerial	managerial	ADJ
easat-3190	314	2	finance	finance	NOUN
easat-3190	314	3	,	,	PUNCT
easat-3190	314	4	46(6	46(6	NOUN
easat-3190	314	5	)	)	PUNCT
easat-3190	314	6	,	,	PUNCT
easat-3190	314	7	815–831	815–831	NUM
easat-3190	314	8	.	.	PUNCT
easat-3190	314	9	https://doi.org/10.1108/mf-09-2018-0423	https://doi.org/10.1108/mf-09-2018-0423	ADP
easat-3190	315	1	[	[	X
easat-3190	315	2	24	24	NUM
easat-3190	315	3	]	]	X
easat-3190	315	4	guo	guo	PROPN
easat-3190	315	5	,	,	PUNCT
easat-3190	315	6	y.	y.	PROPN
easat-3190	315	7	,	,	PUNCT
easat-3190	315	8	jiang	jiang	PROPN
easat-3190	315	9	,	,	PUNCT
easat-3190	315	10	s.	s.	PROPN
easat-3190	315	11	,	,	PUNCT
easat-3190	315	12	zhou	zhou	PROPN
easat-3190	315	13	,	,	PUNCT
easat-3190	315	14	w.	w.	PROPN
easat-3190	315	15	,	,	PUNCT
easat-3190	315	16	luo	luo	PROPN
easat-3190	315	17	,	,	PUNCT
easat-3190	315	18	c.	c.	PROPN
easat-3190	315	19	,	,	PUNCT
easat-3190	315	20	&	&	CCONJ
easat-3190	315	21	xiong	xiong	PROPN
easat-3190	315	22	,	,	PUNCT
easat-3190	315	23	h.	h.	PROPN
easat-3190	315	24	(	(	PUNCT
easat-3190	315	25	2021	2021	NUM
easat-3190	315	26	)	)	PUNCT
easat-3190	315	27	.	.	PUNCT
easat-3190	316	1	a	a	DET
easat-3190	316	2	predictive	predictive	ADJ
easat-3190	316	3	indicator	indicator	NOUN
easat-3190	316	4	using	use	VERB
easat-3190	316	5	lender	lender	NOUN
easat-3190	316	6	composition	composition	NOUN
easat-3190	316	7	for	for	ADP
easat-3190	316	8	loan	loan	NOUN
easat-3190	316	9	evaluation	evaluation	NOUN
easat-3190	316	10	in	in	ADP
easat-3190	316	11	p2p	p2p	NOUN
easat-3190	316	12	lending	lending	NOUN
easat-3190	316	13	.	.	PUNCT
easat-3190	317	1	financial	financial	ADJ
easat-3190	317	2	innovation	innovation	NOUN
easat-3190	317	3	,	,	PUNCT
easat-3190	317	4	7(1	7(1	NUM
easat-3190	317	5	)	)	PUNCT
easat-3190	317	6	.	.	PUNCT
easat-3190	318	1	https://doi.org/10.1186/s40854-021-00261-1	https://doi.org/10.1186/s40854-021-00261-1	NUM
easat-3190	319	1	[	[	X
easat-3190	319	2	25	25	NUM
easat-3190	319	3	]	]	X
easat-3190	319	4	hsu	hsu	PROPN
easat-3190	319	5	,	,	PUNCT
easat-3190	319	6	s.	s.	PROPN
easat-3190	319	7	,	,	PUNCT
easat-3190	319	8	li	li	PROPN
easat-3190	319	9	,	,	PUNCT
easat-3190	319	10	j.	j.	PROPN
easat-3190	319	11	,	,	PUNCT
easat-3190	319	12	&	&	CCONJ
easat-3190	319	13	bao	bao	PROPN
easat-3190	319	14	,	,	PUNCT
easat-3190	319	15	h.	h.	PROPN
easat-3190	319	16	(	(	PUNCT
easat-3190	319	17	2021	2021	NUM
easat-3190	319	18	)	)	PUNCT
easat-3190	319	19	.	.	PUNCT
easat-3190	320	1	p2p	p2p	NOUN
easat-3190	320	2	lending	lend	VERB
easat-3190	320	3	in	in	ADP
easat-3190	320	4	china	china	PROPN
easat-3190	320	5	:	:	PUNCT
easat-3190	320	6	role	role	NOUN
easat-3190	320	7	and	and	CCONJ
easat-3190	320	8	prospects	prospect	NOUN
easat-3190	320	9	for	for	ADP
easat-3190	320	10	the	the	DET
easat-3190	320	11	future	future	NOUN
easat-3190	320	12	.	.	PUNCT
easat-3190	321	1	manchester	manchester	PROPN
easat-3190	321	2	school	school	PROPN
easat-3190	321	3	,	,	PUNCT
easat-3190	321	4	89(5	89(5	NUM
easat-3190	321	5	)	)	PUNCT
easat-3190	321	6	,	,	PUNCT
easat-3190	321	7	526–540	526–540	NUM
easat-3190	321	8	.	.	PUNCT
easat-3190	322	1	https://doi.org/10.1111/manc.12332	https://doi.org/10.1111/manc.12332	NOUN
easat-3190	323	1	[	[	X
easat-3190	323	2	26	26	NUM
easat-3190	323	3	]	]	X
easat-3190	323	4	ichwan	ichwan	PROPN
easat-3190	323	5	,	,	PUNCT
easat-3190	323	6	&	&	CCONJ
easat-3190	323	7	kasri	kasri	PROPN
easat-3190	323	8	,	,	PUNCT
easat-3190	323	9	r.	r.	PROPN
easat-3190	323	10	a.	a.	PROPN
easat-3190	323	11	(	(	PUNCT
easat-3190	323	12	2019	2019	NUM
easat-3190	323	13	)	)	PUNCT
easat-3190	323	14	.	.	PUNCT
easat-3190	324	1	why	why	SCONJ
easat-3190	324	2	are	be	AUX
easat-3190	324	3	youth	youth	NOUN
easat-3190	324	4	intent	intent	NOUN
easat-3190	324	5	on	on	ADP
easat-3190	324	6	investing	invest	VERB
easat-3190	324	7	through	through	ADP
easat-3190	324	8	peer	peer	NOUN
easat-3190	324	9	to	to	ADP
easat-3190	324	10	peer	peer	NOUN
easat-3190	324	11	lending	lending	NOUN
easat-3190	324	12	?	?	PUNCT
easat-3190	325	1	evidence	evidence	NOUN
easat-3190	325	2	from	from	ADP
easat-3190	325	3	indonesia	indonesia	PROPN
easat-3190	325	4	.	.	PROPN
easat-3190	326	1	journal	journal	PROPN
easat-3190	326	2	of	of	ADP
easat-3190	326	3	islamic	islamic	ADJ
easat-3190	326	4	monetary	monetary	ADJ
easat-3190	326	5	economics	economic	NOUN
easat-3190	326	6	and	and	CCONJ
easat-3190	326	7	finance	finance	NOUN
easat-3190	326	8	,	,	PUNCT
easat-3190	326	9	5(4	5(4	NUM
easat-3190	326	10	)	)	PUNCT
easat-3190	326	11	,	,	PUNCT
easat-3190	326	12	741–762	741–762	NUM
easat-3190	326	13	.	.	PUNCT
easat-3190	327	1	https://doi.org/10.21098/jimf.v5i4.1157	https://doi.org/10.21098/jimf.v5i4.1157	PROPN
easat-3190	328	1	[	[	X
easat-3190	328	2	27	27	NUM
easat-3190	328	3	]	]	X
easat-3190	328	4	jagtiani	jagtiani	PROPN
easat-3190	328	5	,	,	PUNCT
easat-3190	328	6	j.	j.	PROPN
easat-3190	328	7	,	,	PUNCT
easat-3190	328	8	&	&	CCONJ
easat-3190	328	9	lemieux	lemieux	PROPN
easat-3190	328	10	,	,	PUNCT
easat-3190	328	11	c.	c.	PROPN
easat-3190	328	12	(	(	PUNCT
easat-3190	328	13	2018	2018	NUM
easat-3190	328	14	)	)	PUNCT
easat-3190	328	15	.	.	PUNCT
easat-3190	329	1	do	do	AUX
easat-3190	329	2	fintech	fintech	NOUN
easat-3190	329	3	lenders	lender	NOUN
easat-3190	329	4	penetrate	penetrate	VERB
easat-3190	329	5	areas	area	NOUN
easat-3190	329	6	that	that	PRON
easat-3190	329	7	are	be	AUX
easat-3190	329	8	underserved	underserved	ADJ
easat-3190	329	9	by	by	ADP
easat-3190	329	10	traditional	traditional	ADJ
easat-3190	329	11	banks	bank	NOUN
easat-3190	329	12	?	?	PUNCT
easat-3190	330	1	journal	journal	NOUN
easat-3190	330	2	of	of	ADP
easat-3190	330	3	economics	economic	NOUN
easat-3190	330	4	and	and	CCONJ
easat-3190	330	5	business	business	NOUN
easat-3190	330	6	,	,	PUNCT
easat-3190	330	7	100	100	NUM
easat-3190	330	8	,	,	PUNCT
easat-3190	330	9	43–54	43–54	NUM
easat-3190	330	10	.	.	PUNCT
easat-3190	331	1	https://doi.org/10.1016/j.jeconbus.2018.03.001	https://doi.org/10.1016/j.jeconbus.2018.03.001	X
easat-3190	331	2	[	[	X
easat-3190	331	3	28	28	NUM
easat-3190	331	4	]	]	X
easat-3190	331	5	jagtiani	jagtiani	PROPN
easat-3190	331	6	,	,	PUNCT
easat-3190	331	7	j.	j.	PROPN
easat-3190	331	8	,	,	PUNCT
easat-3190	331	9	&	&	CCONJ
easat-3190	331	10	lemieux	lemieux	PROPN
easat-3190	331	11	,	,	PUNCT
easat-3190	331	12	c.	c.	PROPN
easat-3190	331	13	(	(	PUNCT
easat-3190	331	14	2019a	2019a	NUM
easat-3190	331	15	)	)	PUNCT
easat-3190	331	16	.	.	PUNCT
easat-3190	332	1	the	the	DET
easat-3190	332	2	roles	role	NOUN
easat-3190	332	3	of	of	ADP
easat-3190	332	4	alternative	alternative	ADJ
easat-3190	332	5	data	datum	NOUN
easat-3190	332	6	and	and	CCONJ
easat-3190	332	7	machine	machine	NOUN
easat-3190	332	8	learning	learning	NOUN
easat-3190	332	9	in	in	ADP
easat-3190	332	10	fintech	fintech	NOUN
easat-3190	332	11	lending	lending	NOUN
easat-3190	332	12	:	:	PUNCT
easat-3190	332	13	evidence	evidence	NOUN
easat-3190	332	14	from	from	ADP
easat-3190	332	15	the	the	DET
easat-3190	332	16	lendingclub	lendingclub	NOUN
easat-3190	332	17	consumer	consumer	NOUN
easat-3190	332	18	platform	platform	NOUN
easat-3190	332	19	.	.	PUNCT
easat-3190	333	1	financial	financial	ADJ
easat-3190	333	2	management	management	NOUN
easat-3190	333	3	,	,	PUNCT
easat-3190	333	4	48(4	48(4	NUM
easat-3190	333	5	)	)	PUNCT
easat-3190	333	6	,	,	PUNCT
easat-3190	333	7	1009–1029	1009–1029	NUM
easat-3190	333	8	.	.	PUNCT
easat-3190	333	9	https://doi.org/10.1111/fima.12295	https://doi.org/10.1111/fima.12295	NOUN
easat-3190	334	1	[	[	X
easat-3190	334	2	29	29	NUM
easat-3190	334	3	]	]	X
easat-3190	334	4	jagtiani	jagtiani	PROPN
easat-3190	334	5	,	,	PUNCT
easat-3190	334	6	j.	j.	PROPN
easat-3190	334	7	,	,	PUNCT
easat-3190	334	8	&	&	CCONJ
easat-3190	334	9	lemieux	lemieux	PROPN
easat-3190	334	10	,	,	PUNCT
easat-3190	334	11	c.	c.	PROPN
easat-3190	334	12	(	(	PUNCT
easat-3190	334	13	2019b	2019b	NUM
easat-3190	334	14	)	)	PUNCT
easat-3190	334	15	.	.	PUNCT
easat-3190	335	1	the	the	DET
easat-3190	335	2	roles	role	NOUN
easat-3190	335	3	of	of	ADP
easat-3190	335	4	alternative	alternative	ADJ
easat-3190	335	5	data	datum	NOUN
easat-3190	335	6	and	and	CCONJ
easat-3190	335	7	machine	machine	NOUN
easat-3190	335	8	learning	learning	NOUN
easat-3190	335	9	in	in	ADP
easat-3190	335	10	fintech	fintech	NOUN
easat-3190	335	11	lending	lending	NOUN
easat-3190	335	12	:	:	PUNCT
easat-3190	335	13	evidence	evidence	NOUN
easat-3190	335	14	from	from	ADP
easat-3190	335	15	the	the	DET
easat-3190	335	16	lendingclub	lendingclub	NOUN
easat-3190	335	17	consumer	consumer	NOUN
easat-3190	335	18	platform	platform	NOUN
easat-3190	335	19	.	.	PUNCT
easat-3190	336	1	financial	financial	ADJ
easat-3190	336	2	management	management	NOUN
easat-3190	336	3	,	,	PUNCT
easat-3190	336	4	48(4	48(4	NUM
easat-3190	336	5	)	)	PUNCT
easat-3190	336	6	,	,	PUNCT
easat-3190	336	7	1009–1029	1009–1029	NUM
easat-3190	336	8	.	.	PUNCT
easat-3190	336	9	https://doi.org/10.1111/fima.12295	https://doi.org/10.1111/fima.12295	NOUN
easat-3190	337	1	[	[	X
easat-3190	337	2	30	30	NUM
easat-3190	337	3	]	]	X
easat-3190	337	4	kim	kim	PROPN
easat-3190	337	5	,	,	PUNCT
easat-3190	337	6	d.	d.	PROPN
easat-3190	337	7	j.	j.	PROPN
easat-3190	337	8	,	,	PUNCT
easat-3190	337	9	ferrin	ferrin	PROPN
easat-3190	337	10	,	,	PUNCT
easat-3190	337	11	d.	d.	PROPN
easat-3190	337	12	l.	l.	PROPN
easat-3190	337	13	,	,	PUNCT
easat-3190	337	14	&	&	CCONJ
easat-3190	337	15	rao	rao	PROPN
easat-3190	337	16	,	,	PUNCT
easat-3190	337	17	h.	h.	PROPN
easat-3190	337	18	r.	r.	PROPN
easat-3190	337	19	(	(	PUNCT
easat-3190	337	20	2008	2008	NUM
easat-3190	337	21	)	)	PUNCT
easat-3190	337	22	.	.	PUNCT
easat-3190	338	1	a	a	DET
easat-3190	338	2	trust	trust	NOUN
easat-3190	338	3	-	-	PUNCT
easat-3190	338	4	based	base	VERB
easat-3190	338	5	consumer	consumer	NOUN
easat-3190	338	6	decision	decision	NOUN
easat-3190	338	7	-	-	PUNCT
easat-3190	338	8	making	make	VERB
easat-3190	338	9	model	model	NOUN
easat-3190	338	10	in	in	ADP
easat-3190	338	11	electronic	electronic	ADJ
easat-3190	338	12	commerce	commerce	NOUN
easat-3190	338	13	:	:	PUNCT
easat-3190	338	14	the	the	DET
easat-3190	338	15	role	role	NOUN
easat-3190	338	16	of	of	ADP
easat-3190	338	17	trust	trust	NOUN
easat-3190	338	18	,	,	PUNCT
easat-3190	338	19	perceived	perceive	VERB
easat-3190	338	20	risk	risk	NOUN
easat-3190	338	21	,	,	PUNCT
easat-3190	338	22	and	and	CCONJ
easat-3190	338	23	their	their	PRON
easat-3190	338	24	antecedents	antecedent	NOUN
easat-3190	338	25	.	.	PUNCT
easat-3190	339	1	decision	decision	NOUN
easat-3190	339	2	support	support	NOUN
easat-3190	339	3	systems	system	NOUN
easat-3190	339	4	,	,	PUNCT
easat-3190	339	5	vol	vol	NOUN
easat-3190	339	6	.	.	PUNCT
easat-3190	340	1	44(no	44(no	NUM
easat-3190	340	2	.	.	NOUN
easat-3190	341	1	2	2	NUM
easat-3190	341	2	)	)	PUNCT
easat-3190	341	3	,	,	PUNCT
easat-3190	341	4	544–564	544–564	NUM
easat-3190	341	5	.	.	PUNCT
easat-3190	342	1	[	[	X
easat-3190	342	2	31	31	NUM
easat-3190	342	3	]	]	X
easat-3190	342	4	kim	kim	PROPN
easat-3190	342	5	,	,	PUNCT
easat-3190	342	6	d.	d.	PROPN
easat-3190	342	7	,	,	PUNCT
easat-3190	342	8	maeng	maeng	PROPN
easat-3190	342	9	,	,	PUNCT
easat-3190	342	10	k.	k.	PROPN
easat-3190	342	11	,	,	PUNCT
easat-3190	342	12	&	&	CCONJ
easat-3190	342	13	cho	cho	PROPN
easat-3190	342	14	,	,	PUNCT
easat-3190	342	15	y.	y.	PROPN
easat-3190	342	16	(	(	PUNCT
easat-3190	342	17	2020	2020	NUM
easat-3190	342	18	)	)	PUNCT
easat-3190	342	19	.	.	PUNCT
easat-3190	343	1	study	study	NOUN
easat-3190	343	2	on	on	ADP
easat-3190	343	3	the	the	DET
easat-3190	343	4	determinants	determinant	NOUN
easat-3190	343	5	of	of	ADP
easat-3190	343	6	decision	decision	NOUN
easat-3190	343	7	-	-	PUNCT
easat-3190	343	8	making	making	NOUN
easat-3190	343	9	in	in	ADP
easat-3190	343	10	peer	peer	NOUN
easat-3190	343	11	-	-	PUNCT
easat-3190	343	12	to	to	ADP
easat-3190	343	13	-	-	PUNCT
easat-3190	343	14	peer	peer	NOUN
easat-3190	343	15	lending	lending	NOUN
easat-3190	343	16	in	in	ADP
easat-3190	343	17	south	south	PROPN
easat-3190	343	18	korea	korea	PROPN
easat-3190	343	19	.	.	PUNCT
easat-3190	344	1	asia	asia	PROPN
easat-3190	344	2	-	-	PUNCT
easat-3190	344	3	pacific	pacific	PROPN
easat-3190	344	4	journal	journal	NOUN
easat-3190	344	5	of	of	ADP
easat-3190	344	6	accounting	accounting	NOUN
easat-3190	344	7	and	and	CCONJ
easat-3190	344	8	economics	economic	NOUN
easat-3190	344	9	,	,	PUNCT
easat-3190	344	10	27(5	27(5	PROPN
easat-3190	344	11	)	)	PUNCT
easat-3190	344	12	,	,	PUNCT
easat-3190	344	13	558–576	558–576	NUM
easat-3190	344	14	.	.	PUNCT
easat-3190	345	1	https://doi.org/10.1080/16081625.2018.1540939	https://doi.org/10.1080/16081625.2018.1540939	PROPN
easat-3190	346	1	[	[	X
easat-3190	346	2	32	32	NUM
easat-3190	346	3	]	]	SYM
easat-3190	346	4	klein	klein	PROPN
easat-3190	346	5	,	,	PUNCT
easat-3190	346	6	g.	g.	PROPN
easat-3190	346	7	,	,	PUNCT
easat-3190	346	8	shtudiner	shtudiner	NOUN
easat-3190	346	9	,	,	PUNCT
easat-3190	346	10	z.	z.	PROPN
easat-3190	346	11	,	,	PUNCT
easat-3190	346	12	&	&	CCONJ
easat-3190	346	13	zwilling	zwilling	PROPN
easat-3190	346	14	,	,	PUNCT
easat-3190	346	15	m.	m.	NOUN
easat-3190	346	16	(	(	PUNCT
easat-3190	346	17	2021	2021	NUM
easat-3190	346	18	)	)	PUNCT
easat-3190	346	19	.	.	PUNCT
easat-3190	347	1	why	why	SCONJ
easat-3190	347	2	do	do	AUX
easat-3190	347	3	peer	peer	NOUN
easat-3190	347	4	-	-	PUNCT
easat-3190	347	5	to	to	ADP
easat-3190	347	6	-	-	PUNCT
easat-3190	347	7	peer	peer	NOUN
easat-3190	347	8	(	(	PUNCT
easat-3190	347	9	p2p	p2p	NOUN
easat-3190	347	10	)	)	PUNCT
easat-3190	347	11	lending	lending	NOUN
easat-3190	347	12	platforms	platform	NOUN
easat-3190	347	13	fail	fail	VERB
easat-3190	347	14	?	?	PUNCT
easat-3190	348	1	the	the	DET
easat-3190	348	2	gap	gap	NOUN
easat-3190	348	3	between	between	ADP
easat-3190	348	4	p2p	p2p	NOUN
easat-3190	348	5	lenders	lender	NOUN
easat-3190	348	6	’	’	PART
easat-3190	348	7	preferences	preference	NOUN
easat-3190	348	8	and	and	CCONJ
easat-3190	348	9	the	the	DET
easat-3190	348	10	platforms	platform	NOUN
easat-3190	348	11	’	'	PUNCT
easat-3190	348	12	intentions	intention	NOUN
easat-3190	348	13	.	.	PUNCT
easat-3190	349	1	electronic	electronic	ADJ
easat-3190	349	2	commerce	commerce	NOUN
easat-3190	349	3	research	research	NOUN
easat-3190	349	4	,	,	PUNCT
easat-3190	349	5	709–738	709–738	NUM
easat-3190	349	6	.	.	PUNCT
easat-3190	350	1	https://doi.org/10.1007/s10660-021-09489-6	https://doi.org/10.1007/s10660-021-09489-6	PROPN
easat-3190	351	1	[	[	X
easat-3190	351	2	33	33	NUM
easat-3190	351	3	]	]	PUNCT
easat-3190	351	4	kumra	kumra	NOUN
easat-3190	351	5	,	,	PUNCT
easat-3190	351	6	r.	r.	PROPN
easat-3190	351	7	,	,	PUNCT
easat-3190	351	8	khalek	khalek	PROPN
easat-3190	351	9	,	,	PUNCT
easat-3190	351	10	s.	s.	PROPN
easat-3190	351	11	a.	a.	PROPN
easat-3190	351	12	,	,	PUNCT
easat-3190	351	13	&	&	CCONJ
easat-3190	351	14	samanta	samanta	PROPN
easat-3190	351	15	,	,	PUNCT
easat-3190	351	16	t.	t.	PROPN
easat-3190	351	17	(	(	PUNCT
easat-3190	351	18	2021	2021	NUM
easat-3190	351	19	)	)	PUNCT
easat-3190	351	20	.	.	PUNCT
easat-3190	352	1	factors	factor	NOUN
easat-3190	352	2	affecting	affect	VERB
easat-3190	352	3	bop	bop	NOUN
easat-3190	352	4	producer	producer	NOUN
easat-3190	352	5	intention	intention	NOUN
easat-3190	352	6	to	to	PART
easat-3190	352	7	use	use	VERB
easat-3190	352	8	p2p	p2p	NOUN
easat-3190	352	9	lending	lending	NOUN
easat-3190	352	10	platforms	platform	NOUN
easat-3190	352	11	in	in	ADP
easat-3190	352	12	india	india	PROPN
easat-3190	352	13	.	.	PUNCT
easat-3190	352	14	journal	journal	PROPN
easat-3190	352	15	of	of	ADP
easat-3190	352	16	global	global	ADJ
easat-3190	352	17	marketing	marketing	NOUN
easat-3190	352	18	,	,	PUNCT
easat-3190	352	19	34(4	34(4	NUM
easat-3190	352	20	)	)	PUNCT
easat-3190	352	21	,	,	PUNCT
easat-3190	352	22	328–352	328–352	NUM
easat-3190	352	23	.	.	PUNCT
easat-3190	353	1	https://doi.org/10.1080/08911762.2021.1915440	https://doi.org/10.1080/08911762.2021.1915440	PROPN
easat-3190	354	1	[	[	X
easat-3190	354	2	34	34	NUM
easat-3190	354	3	]	]	X
easat-3190	354	4	lee	lee	PROPN
easat-3190	354	5	,	,	PUNCT
easat-3190	354	6	j.	j.	PROPN
easat-3190	354	7	w.	w.	PROPN
easat-3190	354	8	,	,	PUNCT
easat-3190	354	9	&	&	CCONJ
easat-3190	354	10	sohn	sohn	PROPN
easat-3190	354	11	,	,	PUNCT
easat-3190	354	12	s.	s.	PROPN
easat-3190	354	13	y.	y.	PROPN
easat-3190	354	14	(	(	PUNCT
easat-3190	354	15	2021	2021	NUM
easat-3190	354	16	)	)	PUNCT
easat-3190	354	17	.	.	PUNCT
easat-3190	355	1	evaluating	evaluate	VERB
easat-3190	355	2	borrowers	borrower	NOUN
easat-3190	355	3	’	’	PART
easat-3190	355	4	default	default	NOUN
easat-3190	355	5	risk	risk	NOUN
easat-3190	355	6	with	with	ADP
easat-3190	355	7	a	a	DET
easat-3190	355	8	spatial	spatial	ADJ
easat-3190	355	9	probit	probit	NOUN
easat-3190	355	10	model	model	NOUN
easat-3190	355	11	reflecting	reflect	VERB
easat-3190	355	12	the	the	DET
easat-3190	355	13	distance	distance	NOUN
easat-3190	355	14	in	in	ADP
easat-3190	355	15	their	their	PRON
easat-3190	355	16	relational	relational	ADJ
easat-3190	355	17	network	network	NOUN
easat-3190	355	18	.	.	PUNCT
easat-3190	356	1	plos	plos	PROPN
easat-3190	356	2	one	one	NUM
easat-3190	356	3	,	,	PUNCT
easat-3190	356	4	16(12	16(12	NUM
easat-3190	356	5	december	december	NOUN
easat-3190	356	6	)	)	PUNCT
easat-3190	356	7	,	,	PUNCT
easat-3190	356	8	1–11	1–11	PROPN
easat-3190	356	9	.	.	PUNCT
easat-3190	357	1	https://doi.org/10.1371/journal.pone.0261737	https://doi.org/10.1371/journal.pone.0261737	VERB
easat-3190	357	2	5347	5347	NUM
easat-3190	357	3	edelweiss	edelweiss	PROPN
easat-3190	357	4	applied	apply	VERB
easat-3190	357	5	science	science	NOUN
easat-3190	357	6	and	and	CCONJ
easat-3190	357	7	technology	technology	NOUN
easat-3190	357	8	issn	issn	PROPN
easat-3190	357	9	:	:	PUNCT
easat-3190	357	10	2576	2576	NUM
easat-3190	357	11	-	-	SYM
easat-3190	357	12	8484	8484	NUM
easat-3190	357	13	vol	vol	NOUN
easat-3190	357	14	.	.	PROPN
easat-3190	357	15	8	8	NUM
easat-3190	357	16	,	,	PUNCT
easat-3190	357	17	no	no	INTJ
easat-3190	357	18	.	.	NOUN
easat-3190	358	1	6	6	NUM
easat-3190	358	2	:	:	SYM
easat-3190	358	3	5336	5336	NUM
easat-3190	358	4	-	-	SYM
easat-3190	358	5	5348	5348	NUM
easat-3190	358	6	,	,	PUNCT
easat-3190	358	7	2024	2024	NUM
easat-3190	358	8	doi	doi	NOUN
easat-3190	358	9	:	:	PUNCT
easat-3190	358	10	10.55214/25768484.v8i6.3190	10.55214/25768484.v8i6.3190	NUM
easat-3190	358	11	©	©	ADP
easat-3190	358	12	2024	2024	NUM
easat-3190	358	13	by	by	ADP
easat-3190	358	14	the	the	DET
easat-3190	358	15	authors	author	NOUN
easat-3190	358	16	;	;	PUNCT
easat-3190	358	17	licensee	licensee	PROPN
easat-3190	358	18	learning	learning	NOUN
easat-3190	358	19	gate	gate	NOUN
easat-3190	359	1	[	[	X
easat-3190	359	2	35	35	NUM
easat-3190	359	3	]	]	SYM
easat-3190	359	4	li	li	PROPN
easat-3190	359	5	,	,	PUNCT
easat-3190	359	6	j.	j.	PROPN
easat-3190	359	7	,	,	PUNCT
easat-3190	359	8	&	&	CCONJ
easat-3190	359	9	hu	hu	PROPN
easat-3190	359	10	,	,	PUNCT
easat-3190	359	11	j.	j.	PROPN
easat-3190	359	12	(	(	PUNCT
easat-3190	359	13	2019	2019	NUM
easat-3190	359	14	)	)	PUNCT
easat-3190	359	15	.	.	PUNCT
easat-3190	360	1	does	do	AUX
easat-3190	360	2	university	university	NOUN
easat-3190	360	3	reputation	reputation	NOUN
easat-3190	360	4	matter	matter	VERB
easat-3190	360	5	?	?	PUNCT
easat-3190	361	1	evidence	evidence	NOUN
easat-3190	361	2	from	from	ADP
easat-3190	361	3	peer	peer	NOUN
easat-3190	361	4	-	-	PUNCT
easat-3190	361	5	to	to	ADP
easat-3190	361	6	-	-	PUNCT
easat-3190	361	7	peer	peer	NOUN
easat-3190	361	8	lending	lending	NOUN
easat-3190	361	9	.	.	PUNCT
easat-3190	362	1	finance	finance	NOUN
easat-3190	362	2	research	research	NOUN
easat-3190	362	3	letters	letter	NOUN
easat-3190	362	4	,	,	PUNCT
easat-3190	362	5	31(december	31(december	NUM
easat-3190	362	6	2018	2018	NUM
easat-3190	362	7	)	)	PUNCT
easat-3190	362	8	,	,	PUNCT
easat-3190	362	9	66–77	66–77	NUM
easat-3190	362	10	.	.	PUNCT
easat-3190	363	1	https://doi.org/10.1016/j.frl.2019.04.004	https://doi.org/10.1016/j.frl.2019.04.004	PROPN
easat-3190	364	1	[	[	X
easat-3190	364	2	36	36	NUM
easat-3190	364	3	]	]	SYM
easat-3190	364	4	li	li	PROPN
easat-3190	364	5	,	,	PUNCT
easat-3190	364	6	j.	j.	PROPN
easat-3190	364	7	,	,	PUNCT
easat-3190	364	8	zhang	zhang	PROPN
easat-3190	364	9	,	,	PUNCT
easat-3190	364	10	x.	x.	PROPN
easat-3190	364	11	,	,	PUNCT
easat-3190	364	12	&	&	CCONJ
easat-3190	364	13	hu	hu	PROPN
easat-3190	364	14	,	,	PUNCT
easat-3190	364	15	j.	j.	PROPN
easat-3190	364	16	(	(	PUNCT
easat-3190	364	17	2021	2021	NUM
easat-3190	364	18	)	)	PUNCT
easat-3190	364	19	.	.	PUNCT
easat-3190	365	1	strategic	strategic	ADJ
easat-3190	365	2	co	co	NOUN
easat-3190	365	3	-	-	NOUN
easat-3190	366	1	funding	funding	NOUN
easat-3190	366	2	in	in	ADP
easat-3190	366	3	informal	informal	ADJ
easat-3190	366	4	finance	finance	NOUN
easat-3190	366	5	market	market	NOUN
easat-3190	366	6	:	:	PUNCT
easat-3190	366	7	evidence	evidence	NOUN
easat-3190	366	8	from	from	ADP
easat-3190	366	9	china	china	PROPN
easat-3190	366	10	.	.	PUNCT
easat-3190	367	1	journal	journal	PROPN
easat-3190	367	2	of	of	ADP
easat-3190	367	3	applied	apply	VERB
easat-3190	367	4	economics	economic	NOUN
easat-3190	367	5	,	,	PUNCT
easat-3190	367	6	24(1	24(1	NUM
easat-3190	367	7	)	)	PUNCT
easat-3190	367	8	,	,	PUNCT
easat-3190	367	9	329–349	329–349	NUM
easat-3190	367	10	.	.	PUNCT
easat-3190	367	11	https://doi.org/10.1080/15140326.2021.1932395	https://doi.org/10.1080/15140326.2021.1932395	PUNCT
easat-3190	368	1	[	[	X
easat-3190	368	2	37	37	NUM
easat-3190	368	3	]	]	SYM
easat-3190	368	4	li	li	PROPN
easat-3190	368	5	,	,	PUNCT
easat-3190	368	6	y.	y.	PROPN
easat-3190	368	7	,	,	PUNCT
easat-3190	368	8	so	so	ADV
easat-3190	368	9	,	,	PUNCT
easat-3190	368	10	j.	j.	PROPN
easat-3190	368	11	,	,	PUNCT
easat-3190	368	12	&	&	CCONJ
easat-3190	368	13	yuan	yuan	PROPN
easat-3190	368	14	,	,	PUNCT
easat-3190	368	15	j.	j.	PROPN
easat-3190	368	16	i.	i.	PROPN
easat-3190	368	17	a.	a.	PROPN
easat-3190	368	18	(	(	PUNCT
easat-3190	368	19	2020	2020	NUM
easat-3190	368	20	)	)	PUNCT
easat-3190	368	21	.	.	PUNCT
easat-3190	369	1	voluntary	voluntary	ADJ
easat-3190	369	2	verifiable	verifiable	ADJ
easat-3190	369	3	information	information	NOUN
easat-3190	369	4	disclosure	disclosure	NOUN
easat-3190	369	5	and	and	CCONJ
easat-3190	369	6	loan	loan	NOUN
easat-3190	369	7	funding	funding	NOUN
easat-3190	369	8	performance	performance	NOUN
easat-3190	369	9	:	:	PUNCT
easat-3190	369	10	evidence	evidence	NOUN
easat-3190	369	11	from	from	ADP
easat-3190	369	12	paipaidai	paipaidai	PROPN
easat-3190	369	13	in	in	ADP
easat-3190	369	14	china	china	PROPN
easat-3190	369	15	.	.	PUNCT
easat-3190	370	1	singapore	singapore	PROPN
easat-3190	370	2	economic	economic	PROPN
easat-3190	370	3	review	review	PROPN
easat-3190	370	4	,	,	PUNCT
easat-3190	370	5	65(2	65(2	NOUN
easat-3190	370	6	)	)	PUNCT
easat-3190	370	7	,	,	PUNCT
easat-3190	370	8	419–441	419–441	NUM
easat-3190	370	9	.	.	PUNCT
easat-3190	371	1	https://doi.org/10.1142/s0217590818500066	https://doi.org/10.1142/s0217590818500066	PROPN
easat-3190	371	2	[	[	X
easat-3190	371	3	38	38	NUM
easat-3190	371	4	]	]	X
easat-3190	371	5	liang	liang	PROPN
easat-3190	371	6	,	,	PUNCT
easat-3190	371	7	p.	p.	PROPN
easat-3190	371	8	h.	h.	PROPN
easat-3190	371	9	,	,	PUNCT
easat-3190	371	10	&	&	CCONJ
easat-3190	371	11	chi	chi	PROPN
easat-3190	371	12	,	,	PUNCT
easat-3190	371	13	y.	y.	PROPN
easat-3190	371	14	p.	p.	PROPN
easat-3190	371	15	(	(	PUNCT
easat-3190	371	16	2021	2021	NUM
easat-3190	371	17	)	)	PUNCT
easat-3190	371	18	.	.	PUNCT
easat-3190	372	1	influence	influence	NOUN
easat-3190	372	2	of	of	ADP
easat-3190	372	3	perceived	perceive	VERB
easat-3190	372	4	risk	risk	NOUN
easat-3190	372	5	of	of	ADP
easat-3190	372	6	blockchain	blockchain	PROPN
easat-3190	372	7	art	art	PROPN
easat-3190	372	8	trading	trading	NOUN
easat-3190	372	9	on	on	ADP
easat-3190	372	10	user	user	NOUN
easat-3190	372	11	attitude	attitude	NOUN
easat-3190	372	12	and	and	CCONJ
easat-3190	372	13	behavioral	behavioral	ADJ
easat-3190	372	14	intention	intention	NOUN
easat-3190	372	15	.	.	PUNCT
easat-3190	373	1	sustainability	sustainability	NOUN
easat-3190	373	2	(	(	PUNCT
easat-3190	373	3	switzerland	switzerland	PROPN
easat-3190	373	4	)	)	PUNCT
easat-3190	373	5	,	,	PUNCT
easat-3190	373	6	13(23	13(23	NOUN
easat-3190	373	7	)	)	PUNCT
easat-3190	373	8	.	.	PUNCT
easat-3190	374	1	https://doi.org/10.3390/su132313470	https://doi.org/10.3390/su132313470	PUNCT
easat-3190	375	1	[	[	X
easat-3190	375	2	39	39	NUM
easat-3190	375	3	]	]	X
easat-3190	375	4	lin	lin	PROPN
easat-3190	375	5	,	,	PUNCT
easat-3190	375	6	x.	x.	PROPN
easat-3190	375	7	,	,	PUNCT
easat-3190	375	8	li	li	PROPN
easat-3190	375	9	,	,	PUNCT
easat-3190	375	10	x.	x.	PROPN
easat-3190	375	11	,	,	PUNCT
easat-3190	375	12	&	&	CCONJ
easat-3190	375	13	zheng	zheng	PROPN
easat-3190	375	14	,	,	PUNCT
easat-3190	375	15	z.	z.	PROPN
easat-3190	375	16	(	(	PUNCT
easat-3190	375	17	2017	2017	NUM
easat-3190	375	18	)	)	PUNCT
easat-3190	375	19	.	.	PUNCT
easat-3190	376	1	evaluating	evaluate	VERB
easat-3190	376	2	borrower	borrower	NOUN
easat-3190	376	3	’s	’s	PART
easat-3190	376	4	default	default	NOUN
easat-3190	376	5	risk	risk	NOUN
easat-3190	376	6	in	in	ADP
easat-3190	376	7	peer	peer	NOUN
easat-3190	376	8	-	-	PUNCT
easat-3190	376	9	to	to	ADP
easat-3190	376	10	-	-	PUNCT
easat-3190	376	11	peer	peer	NOUN
easat-3190	376	12	lending	lending	NOUN
easat-3190	376	13	:	:	PUNCT
easat-3190	376	14	evidence	evidence	NOUN
easat-3190	376	15	from	from	ADP
easat-3190	376	16	a	a	DET
easat-3190	376	17	lending	lending	NOUN
easat-3190	376	18	platform	platform	NOUN
easat-3190	376	19	in	in	ADP
easat-3190	376	20	china	china	PROPN
easat-3190	376	21	.	.	PUNCT
easat-3190	377	1	applied	apply	VERB
easat-3190	377	2	economics	economic	NOUN
easat-3190	377	3	,	,	PUNCT
easat-3190	377	4	49(35	49(35	PROPN
easat-3190	377	5	)	)	PUNCT
easat-3190	377	6	,	,	PUNCT
easat-3190	377	7	3538–3545	3538–3545	NUM
easat-3190	377	8	.	.	PUNCT
easat-3190	377	9	https://doi.org/10.1080/00036846.2016.1262526	https://doi.org/10.1080/00036846.2016.1262526	X
easat-3190	378	1	[	[	X
easat-3190	378	2	40	40	NUM
easat-3190	378	3	]	]	X
easat-3190	378	4	liu	liu	PROPN
easat-3190	378	5	,	,	PUNCT
easat-3190	378	6	j.	j.	PROPN
easat-3190	378	7	,	,	PUNCT
easat-3190	378	8	li	li	PROPN
easat-3190	378	9	,	,	PUNCT
easat-3190	378	10	x.	x.	PROPN
easat-3190	378	11	,	,	PUNCT
easat-3190	378	12	&	&	CCONJ
easat-3190	378	13	wang	wang	PROPN
easat-3190	378	14	,	,	PUNCT
easat-3190	378	15	s.	s.	PROPN
easat-3190	378	16	(	(	PUNCT
easat-3190	378	17	2020a	2020a	NUM
easat-3190	378	18	)	)	PUNCT
easat-3190	378	19	.	.	PUNCT
easat-3190	379	1	what	what	PRON
easat-3190	379	2	have	have	AUX
easat-3190	379	3	we	we	PRON
easat-3190	379	4	learnt	learn	VERB
easat-3190	379	5	from	from	ADP
easat-3190	379	6	10	10	NUM
easat-3190	379	7	years	year	NOUN
easat-3190	379	8	of	of	ADP
easat-3190	379	9	fintech	fintech	NOUN
easat-3190	379	10	research	research	NOUN
easat-3190	379	11	?	?	PUNCT
easat-3190	380	1	a	a	DET
easat-3190	380	2	scientometric	scientometric	ADJ
easat-3190	380	3	analysis	analysis	NOUN
easat-3190	380	4	.	.	PUNCT
easat-3190	381	1	technological	technological	ADJ
easat-3190	381	2	forecasting	forecasting	NOUN
easat-3190	381	3	and	and	CCONJ
easat-3190	381	4	social	social	ADJ
easat-3190	381	5	change	change	NOUN
easat-3190	381	6	,	,	PUNCT
easat-3190	381	7	155(march	155(march	NUM
easat-3190	381	8	)	)	PUNCT
easat-3190	381	9	,	,	PUNCT
easat-3190	381	10	120022	120022	NUM
easat-3190	381	11	.	.	PUNCT
easat-3190	382	1	https://doi.org/10.1016/j.techfore.2020.120022	https://doi.org/10.1016/j.techfore.2020.120022	PROPN
easat-3190	382	2	[	[	X
easat-3190	382	3	41	41	NUM
easat-3190	382	4	]	]	X
easat-3190	382	5	liu	liu	PROPN
easat-3190	382	6	,	,	PUNCT
easat-3190	382	7	j.	j.	PROPN
easat-3190	382	8	,	,	PUNCT
easat-3190	382	9	li	li	PROPN
easat-3190	382	10	,	,	PUNCT
easat-3190	382	11	x.	x.	PROPN
easat-3190	382	12	,	,	PUNCT
easat-3190	382	13	&	&	CCONJ
easat-3190	382	14	wang	wang	PROPN
easat-3190	382	15	,	,	PUNCT
easat-3190	382	16	s.	s.	PROPN
easat-3190	382	17	(	(	PUNCT
easat-3190	382	18	2020b	2020b	NUM
easat-3190	382	19	)	)	PUNCT
easat-3190	382	20	.	.	PUNCT
easat-3190	383	1	what	what	PRON
easat-3190	383	2	have	have	AUX
easat-3190	383	3	we	we	PRON
easat-3190	383	4	learnt	learn	VERB
easat-3190	383	5	from	from	ADP
easat-3190	383	6	10	10	NUM
easat-3190	383	7	years	year	NOUN
easat-3190	383	8	of	of	ADP
easat-3190	383	9	fintech	fintech	NOUN
easat-3190	383	10	research	research	NOUN
easat-3190	383	11	?	?	PUNCT
easat-3190	384	1	a	a	DET
easat-3190	384	2	scientometric	scientometric	ADJ
easat-3190	384	3	analysis	analysis	NOUN
easat-3190	384	4	.	.	PUNCT
easat-3190	385	1	technological	technological	ADJ
easat-3190	385	2	forecasting	forecasting	NOUN
easat-3190	385	3	and	and	CCONJ
easat-3190	385	4	social	social	ADJ
easat-3190	385	5	change	change	NOUN
easat-3190	385	6	,	,	PUNCT
easat-3190	385	7	155	155	NUM
easat-3190	385	8	.	.	PUNCT
easat-3190	386	1	https://doi.org/10.1016/j.techfore.2020.120022	https://doi.org/10.1016/j.techfore.2020.120022	PROPN
easat-3190	386	2	[	[	X
easat-3190	386	3	42	42	NUM
easat-3190	386	4	]	]	X
easat-3190	386	5	mac	mac	PROPN
easat-3190	386	6	an	an	DET
easat-3190	386	7	bhaird	bhaird	NOUN
easat-3190	386	8	,	,	PUNCT
easat-3190	386	9	c.	c.	PROPN
easat-3190	386	10	,	,	PUNCT
easat-3190	386	11	owen	owen	PROPN
easat-3190	386	12	,	,	PUNCT
easat-3190	386	13	r.	r.	PROPN
easat-3190	386	14	,	,	PUNCT
easat-3190	386	15	dodd	dodd	PROPN
easat-3190	386	16	,	,	PUNCT
easat-3190	386	17	s.	s.	PROPN
easat-3190	386	18	d.	d.	PROPN
easat-3190	386	19	,	,	PUNCT
easat-3190	386	20	wilson	wilson	PROPN
easat-3190	386	21	,	,	PUNCT
easat-3190	386	22	j.	j.	PROPN
easat-3190	386	23	,	,	PUNCT
easat-3190	386	24	&	&	CCONJ
easat-3190	386	25	bisignano	bisignano	PROPN
easat-3190	386	26	,	,	PUNCT
easat-3190	386	27	a.	a.	NOUN
easat-3190	386	28	(	(	PUNCT
easat-3190	386	29	2019	2019	NUM
easat-3190	386	30	)	)	PUNCT
easat-3190	386	31	.	.	PUNCT
easat-3190	387	1	small	small	ADJ
easat-3190	387	2	beer	beer	NOUN
easat-3190	387	3	?	?	PUNCT
easat-3190	388	1	peer	peer	NOUN
easat-3190	388	2	-	-	PUNCT
easat-3190	388	3	to	to	ADP
easat-3190	388	4	-	-	PUNCT
easat-3190	388	5	peer	peer	NOUN
easat-3190	388	6	lending	lending	NOUN
easat-3190	388	7	in	in	ADP
easat-3190	388	8	the	the	DET
easat-3190	388	9	craft	craft	NOUN
easat-3190	388	10	beer	beer	NOUN
easat-3190	388	11	sector	sector	NOUN
easat-3190	388	12	.	.	PUNCT
easat-3190	389	1	strategic	strategic	ADJ
easat-3190	389	2	change	change	NOUN
easat-3190	389	3	,	,	PUNCT
easat-3190	389	4	28(1	28(1	NOUN
easat-3190	389	5	)	)	PUNCT
easat-3190	389	6	,	,	PUNCT
easat-3190	389	7	59–68	59–68	NUM
easat-3190	389	8	.	.	PUNCT
easat-3190	390	1	https://doi.org/10.1002/jsc.2246	https://doi.org/10.1002/jsc.2246	PROPN
easat-3190	391	1	[	[	X
easat-3190	391	2	43	43	NUM
easat-3190	391	3	]	]	X
easat-3190	391	4	martínez	martínez	NOUN
easat-3190	391	5	-	-	PUNCT
easat-3190	391	6	climent	climent	PROPN
easat-3190	391	7	,	,	PUNCT
easat-3190	391	8	c.	c.	PROPN
easat-3190	391	9	,	,	PUNCT
easat-3190	391	10	zorio	zorio	PROPN
easat-3190	391	11	-	-	PUNCT
easat-3190	391	12	grima	grima	PROPN
easat-3190	391	13	,	,	PUNCT
easat-3190	391	14	a.	a.	PROPN
easat-3190	391	15	,	,	PUNCT
easat-3190	391	16	&	&	CCONJ
easat-3190	391	17	ribeiro	ribeiro	PROPN
easat-3190	391	18	-	-	PUNCT
easat-3190	391	19	soriano	soriano	PROPN
easat-3190	391	20	,	,	PUNCT
easat-3190	391	21	d.	d.	PROPN
easat-3190	391	22	(	(	PUNCT
easat-3190	391	23	2018	2018	NUM
easat-3190	391	24	)	)	PUNCT
easat-3190	391	25	.	.	PUNCT
easat-3190	392	1	financial	financial	ADJ
easat-3190	392	2	return	return	PROPN
easat-3190	392	3	crowdfunding	crowdfunding	NOUN
easat-3190	392	4	:	:	PUNCT
easat-3190	392	5	literature	literature	NOUN
easat-3190	392	6	review	review	NOUN
easat-3190	392	7	and	and	CCONJ
easat-3190	392	8	bibliometric	bibliometric	ADJ
easat-3190	392	9	analysis	analysis	NOUN
easat-3190	392	10	.	.	PUNCT
easat-3190	393	1	international	international	ADJ
easat-3190	393	2	entrepreneurship	entrepreneurship	NOUN
easat-3190	393	3	and	and	CCONJ
easat-3190	393	4	management	management	NOUN
easat-3190	393	5	journal	journal	NOUN
easat-3190	393	6	,	,	PUNCT
easat-3190	393	7	14(3	14(3	NUM
easat-3190	393	8	)	)	PUNCT
easat-3190	393	9	,	,	PUNCT
easat-3190	393	10	527–553	527–553	NUM
easat-3190	393	11	.	.	PUNCT
easat-3190	394	1	https://doi.org/10.1007/s11365-018-0511-x	https://doi.org/10.1007/s11365-018-0511-x	NOUN
easat-3190	394	2	[	[	X
easat-3190	394	3	44	44	NUM
easat-3190	394	4	]	]	X
easat-3190	394	5	nguyen	nguyen	NOUN
easat-3190	394	6	,	,	PUNCT
easat-3190	394	7	t.	t.	PROPN
easat-3190	394	8	d.	d.	PROPN
easat-3190	394	9	,	,	PUNCT
easat-3190	394	10	&	&	CCONJ
easat-3190	394	11	huynh	huynh	PROPN
easat-3190	394	12	,	,	PUNCT
easat-3190	394	13	p.	p.	NOUN
easat-3190	394	14	a.	a.	NOUN
easat-3190	395	1	(	(	PUNCT
easat-3190	395	2	2018	2018	NUM
easat-3190	395	3	)	)	PUNCT
easat-3190	395	4	.	.	PUNCT
easat-3190	396	1	the	the	DET
easat-3190	396	2	roles	role	NOUN
easat-3190	396	3	of	of	ADP
easat-3190	396	4	perceived	perceive	VERB
easat-3190	396	5	risk	risk	NOUN
easat-3190	396	6	and	and	CCONJ
easat-3190	396	7	trust	trust	NOUN
easat-3190	396	8	on	on	ADP
easat-3190	396	9	e	e	NOUN
easat-3190	396	10	–	–	PUNCT
easat-3190	396	11	payment	payment	NOUN
easat-3190	396	12	adoption	adoption	NOUN
easat-3190	396	13	.	.	PUNCT
easat-3190	397	1	in	in	ADP
easat-3190	397	2	studies	study	NOUN
easat-3190	397	3	in	in	ADP
easat-3190	397	4	computational	computational	ADJ
easat-3190	397	5	intelligence	intelligence	NOUN
easat-3190	397	6	(	(	PUNCT
easat-3190	397	7	vol	vol	NOUN
easat-3190	397	8	.	.	PUNCT
easat-3190	398	1	760	760	NUM
easat-3190	398	2	,	,	PUNCT
easat-3190	398	3	pp	pp	ADJ
easat-3190	398	4	.	.	PUNCT
easat-3190	399	1	926–940	926–940	NUM
easat-3190	399	2	)	)	PUNCT
easat-3190	399	3	.	.	PUNCT
easat-3190	400	1	https://doi.org/10.1007/978-3-319-73150-6_68	https://doi.org/10.1007/978-3-319-73150-6_68	PROPN
easat-3190	401	1	[	[	X
easat-3190	401	2	45	45	NUM
easat-3190	401	3	]	]	X
easat-3190	401	4	nisar	nisar	ADV
easat-3190	401	5	,	,	PUNCT
easat-3190	401	6	t.	t.	NOUN
easat-3190	401	7	m.	m.	NOUN
easat-3190	401	8	,	,	PUNCT
easat-3190	401	9	prabhakar	prabhakar	NOUN
easat-3190	401	10	,	,	PUNCT
easat-3190	401	11	g.	g.	PROPN
easat-3190	401	12	,	,	PUNCT
easat-3190	401	13	&	&	CCONJ
easat-3190	401	14	torchia	torchia	PROPN
easat-3190	401	15	,	,	PUNCT
easat-3190	401	16	m.	m.	NOUN
easat-3190	401	17	(	(	PUNCT
easat-3190	401	18	2020	2020	NUM
easat-3190	401	19	)	)	PUNCT
easat-3190	401	20	.	.	PUNCT
easat-3190	402	1	crowdfunding	crowdfunde	VERB
easat-3190	402	2	innovations	innovation	NOUN
easat-3190	402	3	in	in	ADP
easat-3190	402	4	emerging	emerge	VERB
easat-3190	402	5	economies	economy	NOUN
easat-3190	402	6	:	:	PUNCT
easat-3190	402	7	risk	risk	NOUN
easat-3190	402	8	and	and	CCONJ
easat-3190	402	9	credit	credit	NOUN
easat-3190	402	10	control	control	NOUN
easat-3190	402	11	in	in	ADP
easat-3190	402	12	peer	peer	NOUN
easat-3190	402	13	-	-	PUNCT
easat-3190	402	14	to	to	ADP
easat-3190	402	15	-	-	PUNCT
easat-3190	402	16	peer	peer	NOUN
easat-3190	402	17	lending	lending	NOUN
easat-3190	402	18	network	network	NOUN
easat-3190	402	19	platforms	platform	NOUN
easat-3190	402	20	.	.	PUNCT
easat-3190	403	1	strategic	strategic	ADJ
easat-3190	403	2	change	change	NOUN
easat-3190	403	3	,	,	PUNCT
easat-3190	403	4	29(3	29(3	NUM
easat-3190	403	5	)	)	PUNCT
easat-3190	403	6	,	,	PUNCT
easat-3190	403	7	355–361	355–361	NUM
easat-3190	403	8	.	.	PUNCT
easat-3190	404	1	https://doi.org/10.1002/jsc.2334	https://doi.org/10.1002/jsc.2334	PROPN
easat-3190	404	2	[	[	X
easat-3190	404	3	46	46	NUM
easat-3190	404	4	]	]	SYM
easat-3190	404	5	pavlou	pavlou	NOUN
easat-3190	404	6	,	,	PUNCT
easat-3190	404	7	p.	p.	NOUN
easat-3190	404	8	a.	a.	NOUN
easat-3190	405	1	(	(	PUNCT
easat-3190	405	2	2003	2003	NUM
easat-3190	405	3	)	)	PUNCT
easat-3190	405	4	.	.	PUNCT
easat-3190	406	1	consumer	consumer	NOUN
easat-3190	406	2	acceptance	acceptance	NOUN
easat-3190	406	3	of	of	ADP
easat-3190	406	4	electronic	electronic	ADJ
easat-3190	406	5	commerce	commerce	NOUN
easat-3190	406	6	:	:	PUNCT
easat-3190	406	7	integrating	integrate	VERB
easat-3190	406	8	trust	trust	NOUN
easat-3190	406	9	and	and	CCONJ
easat-3190	406	10	risk	risk	NOUN
easat-3190	406	11	with	with	ADP
easat-3190	406	12	the	the	DET
easat-3190	406	13	technology	technology	NOUN
easat-3190	406	14	acceptance	acceptance	NOUN
easat-3190	406	15	model	model	NOUN
easat-3190	406	16	.	.	PUNCT
easat-3190	407	1	international	international	ADJ
easat-3190	407	2	journal	journal	PROPN
easat-3190	407	3	of	of	ADP
easat-3190	407	4	electronic	electronic	ADJ
easat-3190	407	5	commerce	commerce	NOUN
easat-3190	407	6	,	,	PUNCT
easat-3190	407	7	7(3	7(3	NUM
easat-3190	407	8	)	)	PUNCT
easat-3190	407	9	,	,	PUNCT
easat-3190	407	10	101–134	101–134	NUM
easat-3190	407	11	.	.	PUNCT
easat-3190	408	1	https://doi.org/10.1080/10864415.2003.11044275	https://doi.org/10.1080/10864415.2003.11044275	PROPN
easat-3190	409	1	[	[	X
easat-3190	409	2	47	47	NUM
easat-3190	409	3	]	]	X
easat-3190	409	4	ribeiro	ribeiro	PROPN
easat-3190	409	5	-	-	PUNCT
easat-3190	409	6	navarrete	navarrete	PROPN
easat-3190	409	7	,	,	PUNCT
easat-3190	409	8	s.	s.	PROPN
easat-3190	409	9	,	,	PUNCT
easat-3190	409	10	piñeiro	piñeiro	NOUN
easat-3190	409	11	-	-	PUNCT
easat-3190	409	12	chousa	chousa	PROPN
easat-3190	409	13	,	,	PUNCT
easat-3190	409	14	j.	j.	PROPN
easat-3190	409	15	,	,	PUNCT
easat-3190	409	16	lópez	lópez	NOUN
easat-3190	409	17	-	-	PUNCT
easat-3190	409	18	cabarcos	cabarco	NOUN
easat-3190	409	19	,	,	PUNCT
easat-3190	409	20	m.	m.	NOUN
easat-3190	409	21	á	á	PROPN
easat-3190	409	22	.	.	PROPN
easat-3190	409	23	,	,	PUNCT
easat-3190	409	24	&	&	CCONJ
easat-3190	409	25	palacios	palacio	NOUN
easat-3190	409	26	-	-	PUNCT
easat-3190	409	27	marqués	marqués	PROPN
easat-3190	409	28	,	,	PUNCT
easat-3190	409	29	d.	d.	PROPN
easat-3190	409	30	(	(	PUNCT
easat-3190	409	31	2022	2022	NUM
easat-3190	409	32	)	)	PUNCT
easat-3190	409	33	.	.	PUNCT
easat-3190	410	1	crowdlending	crowdlende	VERB
easat-3190	410	2	:	:	PUNCT
easat-3190	410	3	mapping	map	VERB
easat-3190	410	4	the	the	DET
easat-3190	410	5	core	core	NOUN
easat-3190	410	6	literature	literature	NOUN
easat-3190	410	7	and	and	CCONJ
easat-3190	410	8	research	research	NOUN
easat-3190	410	9	frontiers	frontier	NOUN
easat-3190	410	10	.	.	PUNCT
easat-3190	411	1	in	in	ADP
easat-3190	411	2	review	review	NOUN
easat-3190	411	3	of	of	ADP
easat-3190	411	4	managerial	managerial	ADJ
easat-3190	411	5	science	science	NOUN
easat-3190	411	6	(	(	PUNCT
easat-3190	411	7	vol	vol	NOUN
easat-3190	411	8	.	.	PROPN
easat-3190	411	9	16	16	NUM
easat-3190	411	10	,	,	PUNCT
easat-3190	411	11	issue	issue	NOUN
easat-3190	411	12	8)	8)	NUM
easat-3190	411	13	.	.	PUNCT
easat-3190	411	14	springer	springer	PROPN
easat-3190	411	15	berlin	berlin	PROPN
easat-3190	411	16	heidelberg	heidelberg	PROPN
easat-3190	411	17	.	.	PUNCT
easat-3190	412	1	https://doi.org/10.1007/s11846-021-00491-8	https://doi.org/10.1007/s11846-021-00491-8	X
easat-3190	413	1	[	[	X
easat-3190	413	2	48	48	NUM
easat-3190	413	3	]	]	SYM
easat-3190	413	4	santoso	santoso	NOUN
easat-3190	413	5	,	,	PUNCT
easat-3190	413	6	w.	w.	PROPN
easat-3190	413	7	,	,	PUNCT
easat-3190	413	8	trinugroho	trinugroho	PROPN
easat-3190	413	9	,	,	PUNCT
easat-3190	413	10	i.	i.	PROPN
easat-3190	413	11	,	,	PUNCT
easat-3190	413	12	&	&	CCONJ
easat-3190	413	13	risfandy	risfandy	PROPN
easat-3190	413	14	,	,	PUNCT
easat-3190	413	15	t.	t.	PROPN
easat-3190	413	16	(	(	PUNCT
easat-3190	413	17	2020	2020	NUM
easat-3190	413	18	)	)	PUNCT
easat-3190	413	19	.	.	PUNCT
easat-3190	414	1	what	what	PRON
easat-3190	414	2	determine	determine	VERB
easat-3190	414	3	loan	loan	NOUN
easat-3190	414	4	rate	rate	NOUN
easat-3190	414	5	and	and	CCONJ
easat-3190	414	6	default	default	NOUN
easat-3190	414	7	status	status	NOUN
easat-3190	414	8	in	in	ADP
easat-3190	414	9	financial	financial	ADJ
easat-3190	414	10	technology	technology	NOUN
easat-3190	414	11	online	online	ADJ
easat-3190	414	12	direct	direct	ADJ
easat-3190	414	13	lending	lending	NOUN
easat-3190	414	14	?	?	PUNCT
easat-3190	415	1	evidence	evidence	NOUN
easat-3190	415	2	from	from	ADP
easat-3190	415	3	indonesia	indonesia	PROPN
easat-3190	415	4	.	.	PUNCT
easat-3190	416	1	emerging	emerge	VERB
easat-3190	416	2	markets	market	NOUN
easat-3190	416	3	finance	finance	NOUN
easat-3190	416	4	and	and	CCONJ
easat-3190	416	5	trade	trade	NOUN
easat-3190	416	6	,	,	PUNCT
easat-3190	416	7	56(2	56(2	ADJ
easat-3190	416	8	)	)	PUNCT
easat-3190	416	9	,	,	PUNCT
easat-3190	416	10	351	351	NUM
easat-3190	416	11	–	–	PUNCT
easat-3190	416	12	369	369	NUM
easat-3190	416	13	.	.	PUNCT
easat-3190	417	1	https://doi.org/10.1080/1540496x.2019.1605595	https://doi.org/10.1080/1540496x.2019.1605595	PRON
easat-3190	417	2	[	[	X
easat-3190	417	3	49	49	NUM
easat-3190	417	4	]	]	X
easat-3190	417	5	shao	shao	PROPN
easat-3190	417	6	,	,	PUNCT
easat-3190	417	7	s.	s.	PROPN
easat-3190	417	8	,	,	PUNCT
easat-3190	417	9	&	&	CCONJ
easat-3190	417	10	bo	bo	PROPN
easat-3190	417	11	,	,	PUNCT
easat-3190	417	12	h.	h.	PROPN
easat-3190	417	13	(	(	PUNCT
easat-3190	417	14	2022a	2022a	NUM
easat-3190	417	15	)	)	PUNCT
easat-3190	417	16	.	.	PUNCT
easat-3190	418	1	behavioural	behavioural	ADJ
easat-3190	418	2	aspects	aspect	NOUN
easat-3190	418	3	of	of	ADP
easat-3190	418	4	china	china	PROPN
easat-3190	418	5	’s	’s	PART
easat-3190	418	6	p2p	p2p	PROPN
easat-3190	418	7	lending	lending	NOUN
easat-3190	418	8	.	.	PUNCT
easat-3190	419	1	european	european	PROPN
easat-3190	419	2	journal	journal	PROPN
easat-3190	419	3	of	of	ADP
easat-3190	419	4	finance	finance	NOUN
easat-3190	419	5	,	,	PUNCT
easat-3190	419	6	28(1	28(1	NOUN
easat-3190	419	7	)	)	PUNCT
easat-3190	419	8	,	,	PUNCT
easat-3190	419	9	30–45	30–45	NUM
easat-3190	419	10	.	.	PUNCT
easat-3190	420	1	https://doi.org/10.1080/1351847x.2021.1880459	https://doi.org/10.1080/1351847x.2021.1880459	X
easat-3190	421	1	[	[	X
easat-3190	421	2	50	50	NUM
easat-3190	421	3	]	]	X
easat-3190	421	4	shao	shao	PROPN
easat-3190	421	5	,	,	PUNCT
easat-3190	421	6	s.	s.	PROPN
easat-3190	421	7	,	,	PUNCT
easat-3190	421	8	&	&	CCONJ
easat-3190	421	9	bo	bo	PROPN
easat-3190	421	10	,	,	PUNCT
easat-3190	421	11	h.	h.	PROPN
easat-3190	421	12	(	(	PUNCT
easat-3190	421	13	2022b	2022b	NUM
easat-3190	421	14	)	)	PUNCT
easat-3190	421	15	.	.	PUNCT
easat-3190	422	1	behavioural	behavioural	ADJ
easat-3190	422	2	aspects	aspect	NOUN
easat-3190	422	3	of	of	ADP
easat-3190	422	4	china	china	PROPN
easat-3190	422	5	’s	’s	PART
easat-3190	422	6	p2p	p2p	PROPN
easat-3190	422	7	lending	lending	NOUN
easat-3190	422	8	.	.	PUNCT
easat-3190	423	1	european	european	PROPN
easat-3190	423	2	journal	journal	PROPN
easat-3190	423	3	of	of	ADP
easat-3190	423	4	finance	finance	NOUN
easat-3190	423	5	,	,	PUNCT
easat-3190	423	6	28(1	28(1	NOUN
easat-3190	423	7	)	)	PUNCT
easat-3190	423	8	,	,	PUNCT
easat-3190	423	9	30–45	30–45	NUM
easat-3190	423	10	.	.	PUNCT
easat-3190	424	1	https://doi.org/10.1080/1351847x.2021.1880459	https://doi.org/10.1080/1351847x.2021.1880459	X
easat-3190	425	1	[	[	X
easat-3190	425	2	51	51	NUM
easat-3190	425	3	]	]	PUNCT
easat-3190	425	4	shen	shen	PROPN
easat-3190	425	5	,	,	PUNCT
easat-3190	425	6	f.	f.	PROPN
easat-3190	425	7	,	,	PUNCT
easat-3190	425	8	wang	wang	PROPN
easat-3190	425	9	,	,	PUNCT
easat-3190	425	10	r.	r.	PROPN
easat-3190	425	11	,	,	PUNCT
easat-3190	425	12	&	&	CCONJ
easat-3190	425	13	shen	shen	PROPN
easat-3190	425	14	,	,	PUNCT
easat-3190	425	15	y.	y.	PROPN
easat-3190	425	16	(	(	PUNCT
easat-3190	425	17	2020	2020	NUM
easat-3190	425	18	)	)	PUNCT
easat-3190	425	19	.	.	PUNCT
easat-3190	426	1	a	a	DET
easat-3190	426	2	cost	cost	NOUN
easat-3190	426	3	-	-	PUNCT
easat-3190	426	4	sensitive	sensitive	ADJ
easat-3190	426	5	logistic	logistic	ADJ
easat-3190	426	6	regression	regression	NOUN
easat-3190	426	7	credit	credit	NOUN
easat-3190	426	8	scoring	scoring	NOUN
easat-3190	426	9	model	model	NOUN
easat-3190	426	10	based	base	VERB
easat-3190	426	11	on	on	ADP
easat-3190	426	12	multiobjective	multiobjective	ADJ
easat-3190	426	13	optimization	optimization	NOUN
easat-3190	426	14	approach	approach	NOUN
easat-3190	426	15	.	.	PUNCT
easat-3190	427	1	technological	technological	ADJ
easat-3190	427	2	and	and	CCONJ
easat-3190	427	3	economic	economic	ADJ
easat-3190	427	4	development	development	NOUN
easat-3190	427	5	of	of	ADP
easat-3190	427	6	economy	economy	NOUN
easat-3190	427	7	,	,	PUNCT
easat-3190	427	8	26(2	26(2	NUM
easat-3190	427	9	)	)	PUNCT
easat-3190	427	10	,	,	PUNCT
easat-3190	427	11	405–429	405–429	NUM
easat-3190	427	12	.	.	PUNCT
easat-3190	428	1	https://doi.org/10.3846/tede.2019.11337	https://doi.org/10.3846/tede.2019.11337	NOUN
easat-3190	428	2	[	[	X
easat-3190	428	3	52	52	NUM
easat-3190	428	4	]	]	SYM
easat-3190	428	5	si	si	PROPN
easat-3190	428	6	,	,	PUNCT
easat-3190	428	7	h.	h.	PROPN
easat-3190	428	8	,	,	PUNCT
easat-3190	428	9	jiang	jiang	PROPN
easat-3190	428	10	,	,	PUNCT
easat-3190	428	11	s.	s.	PROPN
easat-3190	428	12	,	,	PUNCT
easat-3190	428	13	fang	fang	PROPN
easat-3190	428	14	,	,	PUNCT
easat-3190	428	15	y.	y.	PROPN
easat-3190	428	16	,	,	PUNCT
easat-3190	428	17	&	&	CCONJ
easat-3190	428	18	usman	usman	PROPN
easat-3190	428	19	,	,	PUNCT
easat-3190	428	20	m.	m.	NOUN
easat-3190	428	21	(	(	PUNCT
easat-3190	428	22	2020	2020	NUM
easat-3190	428	23	)	)	PUNCT
easat-3190	428	24	.	.	PUNCT
easat-3190	429	1	can	can	AUX
easat-3190	429	2	readability	readability	NOUN
easat-3190	429	3	of	of	ADP
easat-3190	429	4	loan	loan	NOUN
easat-3190	429	5	description	description	NOUN
easat-3190	429	6	affect	affect	VERB
easat-3190	429	7	loan	loan	NOUN
easat-3190	429	8	success	success	NOUN
easat-3190	429	9	rate	rate	NOUN
easat-3190	429	10	and	and	CCONJ
easat-3190	429	11	loan	loan	NOUN
easat-3190	429	12	cost	cost	NOUN
easat-3190	429	13	?	?	PUNCT
easat-3190	430	1	:	:	PUNCT
easat-3190	430	2	a	a	DET
easat-3190	430	3	textual	textual	ADJ
easat-3190	430	4	analysis	analysis	NOUN
easat-3190	430	5	of	of	ADP
easat-3190	430	6	p2p	p2p	NOUN
easat-3190	430	7	loan	loan	NOUN
easat-3190	430	8	description	description	NOUN
easat-3190	430	9	.	.	PUNCT
easat-3190	431	1	engineering	engineering	NOUN
easat-3190	431	2	economics	economic	NOUN
easat-3190	431	3	,	,	PUNCT
easat-3190	431	4	31(3	31(3	NUM
easat-3190	431	5	)	)	PUNCT
easat-3190	431	6	,	,	PUNCT
easat-3190	431	7	302–313	302–313	NUM
easat-3190	431	8	.	.	PUNCT
easat-3190	432	1	https://doi.org/10.5755/j01.ee.31.3.25760	https://doi.org/10.5755/j01.ee.31.3.25760	X
easat-3190	433	1	[	[	X
easat-3190	433	2	53	53	NUM
easat-3190	433	3	]	]	PUNCT
easat-3190	433	4	solihat	solihat	ADP
easat-3190	433	5	,	,	PUNCT
easat-3190	433	6	i.	i.	NOUN
easat-3190	433	7	,	,	PUNCT
easat-3190	433	8	hamundu	hamundu	NOUN
easat-3190	433	9	,	,	PUNCT
easat-3190	433	10	f.	f.	PROPN
easat-3190	433	11	m.	m.	PROPN
easat-3190	433	12	,	,	PUNCT
easat-3190	433	13	hendrian	hendrian	PROPN
easat-3190	433	14	,	,	PUNCT
easat-3190	433	15	&	&	CCONJ
easat-3190	433	16	wahyu	wahyu	PROPN
easat-3190	433	17	,	,	PUNCT
easat-3190	433	18	m.	m.	NOUN
easat-3190	433	19	(	(	PUNCT
easat-3190	433	20	2023	2023	NUM
easat-3190	433	21	)	)	PUNCT
easat-3190	433	22	.	.	PUNCT
easat-3190	434	1	determinants	determinant	NOUN
easat-3190	434	2	of	of	ADP
easat-3190	434	3	behavior	behavior	NOUN
easat-3190	434	4	intention	intention	NOUN
easat-3190	434	5	to	to	PART
easat-3190	434	6	adopt	adopt	VERB
easat-3190	434	7	peer	peer	NOUN
easat-3190	434	8	-	-	PUNCT
easat-3190	434	9	to	to	ADP
easat-3190	434	10	-	-	PUNCT
easat-3190	434	11	peer	peer	NOUN
easat-3190	434	12	lending	lending	NOUN
easat-3190	434	13	services	service	NOUN
easat-3190	434	14	among	among	ADP
easat-3190	434	15	indonesia	indonesia	PROPN
easat-3190	434	16	msmes	msmes	PROPN
easat-3190	434	17	.	.	PUNCT
easat-3190	435	1	international	international	ADJ
easat-3190	435	2	journal	journal	PROPN
easat-3190	435	3	of	of	ADP
easat-3190	435	4	business	business	NOUN
easat-3190	435	5	and	and	CCONJ
easat-3190	435	6	society	society	NOUN
easat-3190	435	7	,	,	PUNCT
easat-3190	435	8	24(1	24(1	NUM
easat-3190	435	9	)	)	PUNCT
easat-3190	435	10	,	,	PUNCT
easat-3190	435	11	543–558	543–558	NUM
easat-3190	435	12	.	.	PUNCT
easat-3190	436	1	https://doi.org/10.33736/ijbs.5633.2023	https://doi.org/10.33736/ijbs.5633.2023	PROPN
easat-3190	436	2	[	[	X
easat-3190	436	3	54	54	NUM
easat-3190	436	4	]	]	PUNCT
easat-3190	436	5	solihat	solihat	X
easat-3190	436	6	,	,	PUNCT
easat-3190	436	7	i.	i.	NOUN
easat-3190	436	8	,	,	PUNCT
easat-3190	436	9	hamundu	hamundu	NOUN
easat-3190	436	10	,	,	PUNCT
easat-3190	436	11	f.	f.	PROPN
easat-3190	436	12	m.	m.	PROPN
easat-3190	436	13	,	,	PUNCT
easat-3190	436	14	&	&	CCONJ
easat-3190	436	15	wahyu	wahyu	PROPN
easat-3190	436	16	,	,	PUNCT
easat-3190	436	17	m.	m.	NOUN
easat-3190	436	18	(	(	PUNCT
easat-3190	436	19	2023	2023	NUM
easat-3190	436	20	)	)	PUNCT
easat-3190	436	21	.	.	PUNCT
easat-3190	437	1	determinants	determinant	NOUN
easat-3190	437	2	of	of	ADP
easat-3190	437	3	behavior	behavior	NOUN
easat-3190	437	4	intention	intention	NOUN
easat-3190	437	5	to	to	PART
easat-3190	437	6	adopt	adopt	VERB
easat-3190	437	7	peer	peer	NOUN
easat-3190	437	8	-	-	PUNCT
easat-3190	437	9	to	to	ADP
easat-3190	437	10	-	-	PUNCT
easat-3190	437	11	peer	peer	NOUN
easat-3190	437	12	lending	lending	NOUN
easat-3190	437	13	services	service	NOUN
easat-3190	437	14	among	among	ADP
easat-3190	437	15	indonesia	indonesia	PROPN
easat-3190	437	16	.	.	PUNCT
easat-3190	437	17	24(1	24(1	NUM
easat-3190	437	18	)	)	PUNCT
easat-3190	437	19	,	,	PUNCT
easat-3190	437	20	543–558	543–558	NUM
easat-3190	437	21	.	.	PUNCT
easat-3190	438	1	[	[	X
easat-3190	438	2	55	55	NUM
easat-3190	438	3	]	]	X
easat-3190	438	4	suryono	suryono	PROPN
easat-3190	438	5	,	,	PUNCT
easat-3190	438	6	r.	r.	PROPN
easat-3190	438	7	r.	r.	PROPN
easat-3190	438	8	,	,	PUNCT
easat-3190	438	9	budi	budi	PROPN
easat-3190	438	10	,	,	PUNCT
easat-3190	438	11	i.	i.	PROPN
easat-3190	438	12	,	,	PUNCT
easat-3190	438	13	&	&	CCONJ
easat-3190	438	14	purwandari	purwandari	PROPN
easat-3190	438	15	,	,	PUNCT
easat-3190	438	16	b.	b.	PROPN
easat-3190	438	17	(	(	PUNCT
easat-3190	438	18	2021	2021	NUM
easat-3190	438	19	)	)	PUNCT
easat-3190	438	20	.	.	PUNCT
easat-3190	439	1	detection	detection	NOUN
easat-3190	439	2	of	of	ADP
easat-3190	439	3	fintech	fintech	NOUN
easat-3190	439	4	p2p	p2p	NOUN
easat-3190	439	5	lending	lending	NOUN
easat-3190	439	6	issues	issue	NOUN
easat-3190	439	7	in	in	ADP
easat-3190	439	8	indonesia	indonesia	PROPN
easat-3190	439	9	.	.	PUNCT
easat-3190	440	1	heliyon	heliyon	PROPN
easat-3190	440	2	,	,	PUNCT
easat-3190	440	3	7(4	7(4	NUM
easat-3190	440	4	)	)	PUNCT
easat-3190	440	5	,	,	PUNCT
easat-3190	440	6	e06782	e06782	PROPN
easat-3190	440	7	.	.	PUNCT
easat-3190	440	8	https://doi.org/10.1016/j.heliyon.2021.e06782	https://doi.org/10.1016/j.heliyon.2021.e06782	PUNCT
easat-3190	441	1	[	[	X
easat-3190	441	2	56	56	NUM
easat-3190	441	3	]	]	X
easat-3190	441	4	sustach	sustach	NOUN
easat-3190	441	5	,	,	PUNCT
easat-3190	441	6	i.	i.	NOUN
easat-3190	441	7	,	,	PUNCT
easat-3190	441	8	baños	baños	PROPN
easat-3190	441	9	-	-	PUNCT
easat-3190	441	10	pino	pino	PROPN
easat-3190	441	11	,	,	PUNCT
easat-3190	441	12	j.	j.	PROPN
easat-3190	441	13	f.	f.	PROPN
easat-3190	441	14	,	,	PUNCT
easat-3190	441	15	&	&	CCONJ
easat-3190	441	16	valle	valle	PROPN
easat-3190	441	17	,	,	PUNCT
easat-3190	441	18	e.	e.	PROPN
easat-3190	441	19	del	del	PROPN
easat-3190	441	20	.	.	PROPN
easat-3190	441	21	(	(	PUNCT
easat-3190	441	22	2022	2022	NUM
easat-3190	441	23	)	)	PUNCT
easat-3190	441	24	.	.	PUNCT
easat-3190	442	1	research	research	NOUN
easat-3190	442	2	trends	trend	NOUN
easat-3190	442	3	in	in	ADP
easat-3190	442	4	technology	technology	NOUN
easat-3190	442	5	in	in	ADP
easat-3190	442	6	the	the	DET
easat-3190	442	7	context	context	NOUN
easat-3190	442	8	of	of	ADP
easat-3190	442	9	smart	smart	ADJ
easat-3190	442	10	destinations	destination	NOUN
easat-3190	442	11	:	:	PUNCT
easat-3190	442	12	a	a	DET
easat-3190	442	13	bibliometric	bibliometric	ADJ
easat-3190	442	14	analysis	analysis	NOUN
easat-3190	442	15	and	and	CCONJ
easat-3190	442	16	network	network	NOUN
easat-3190	442	17	visualization	visualization	NOUN
easat-3190	442	18	.	.	PUNCT
easat-3190	443	1	cuadernos	cuadernos	PROPN
easat-3190	443	2	de	de	X
easat-3190	443	3	gestion	gestion	PROPN
easat-3190	443	4	,	,	PUNCT
easat-3190	443	5	22(1	22(1	NUM
easat-3190	443	6	)	)	PUNCT
easat-3190	443	7	,	,	PUNCT
easat-3190	443	8	161–173	161–173	NUM
easat-3190	443	9	.	.	PUNCT
easat-3190	444	1	https://doi.org/10.5295/cdg.211501is	https://doi.org/10.5295/cdg.211501i	VERB
easat-3190	445	1	[	[	X
easat-3190	445	2	57	57	NUM
easat-3190	445	3	]	]	SYM
easat-3190	445	4	tang	tang	PROPN
easat-3190	445	5	,	,	PUNCT
easat-3190	445	6	m.	m.	NOUN
easat-3190	445	7	,	,	PUNCT
easat-3190	445	8	mei	mei	PROPN
easat-3190	445	9	,	,	PUNCT
easat-3190	445	10	m.	m.	NOUN
easat-3190	445	11	,	,	PUNCT
easat-3190	445	12	li	li	PROPN
easat-3190	445	13	,	,	PUNCT
easat-3190	445	14	c.	c.	PROPN
easat-3190	445	15	,	,	PUNCT
easat-3190	445	16	lv	lv	PROPN
easat-3190	445	17	,	,	PUNCT
easat-3190	445	18	x.	x.	PROPN
easat-3190	445	19	,	,	PUNCT
easat-3190	445	20	li	li	PROPN
easat-3190	445	21	,	,	PUNCT
easat-3190	445	22	x.	x.	PROPN
easat-3190	445	23	,	,	PUNCT
easat-3190	445	24	&	&	CCONJ
easat-3190	445	25	wang	wang	PROPN
easat-3190	445	26	,	,	PUNCT
easat-3190	445	27	l.	l.	PROPN
easat-3190	445	28	(	(	PUNCT
easat-3190	445	29	2020	2020	NUM
easat-3190	445	30	)	)	PUNCT
easat-3190	445	31	.	.	PUNCT
easat-3190	446	1	how	how	SCONJ
easat-3190	446	2	does	do	AUX
easat-3190	446	3	an	an	DET
easat-3190	446	4	individual	individual	NOUN
easat-3190	446	5	’s	’s	PART
easat-3190	446	6	default	default	NOUN
easat-3190	446	7	behavior	behavior	NOUN
easat-3190	446	8	on	on	ADP
easat-3190	446	9	an	an	DET
easat-3190	446	10	online	online	ADJ
easat-3190	446	11	peer	peer	NOUN
easat-3190	446	12	-	-	PUNCT
easat-3190	446	13	to	to	ADP
easat-3190	446	14	-	-	PUNCT
easat-3190	446	15	peer	peer	NOUN
easat-3190	446	16	lending	lending	NOUN
easat-3190	446	17	platform	platform	NOUN
easat-3190	446	18	influence	influence	NOUN
easat-3190	446	19	an	an	DET
easat-3190	446	20	observer	observer	NOUN
easat-3190	446	21	’s	’s	PART
easat-3190	446	22	default	default	NOUN
easat-3190	446	23	intention	intention	NOUN
easat-3190	446	24	?	?	PUNCT
easat-3190	447	1	financial	financial	ADJ
easat-3190	447	2	innovation	innovation	NOUN
easat-3190	447	3	,	,	PUNCT
easat-3190	447	4	6(1	6(1	NUM
easat-3190	447	5	)	)	PUNCT
easat-3190	447	6	.	.	PUNCT
easat-3190	448	1	https://doi.org/10.1186/s40854-020-00197-y	https://doi.org/10.1186/s40854-020-00197-y	PROPN
easat-3190	449	1	[	[	NOUN
easat-3190	449	2	58	58	NUM
easat-3190	449	3	]	]	X
easat-3190	449	4	wang	wang	PROPN
easat-3190	449	5	,	,	PUNCT
easat-3190	449	6	c.	c.	PROPN
easat-3190	449	7	,	,	PUNCT
easat-3190	449	8	zhang	zhang	PROPN
easat-3190	449	9	,	,	PUNCT
easat-3190	449	10	w.	w.	PROPN
easat-3190	449	11	,	,	PUNCT
easat-3190	449	12	zhao	zhao	PROPN
easat-3190	449	13	,	,	PUNCT
easat-3190	449	14	x.	x.	PROPN
easat-3190	449	15	,	,	PUNCT
easat-3190	449	16	&	&	CCONJ
easat-3190	449	17	wang	wang	PROPN
easat-3190	449	18	,	,	PUNCT
easat-3190	449	19	j.	j.	PROPN
easat-3190	449	20	(	(	PUNCT
easat-3190	449	21	2019	2019	NUM
easat-3190	449	22	)	)	PUNCT
easat-3190	449	23	.	.	PUNCT
easat-3190	450	1	soft	soft	ADJ
easat-3190	450	2	information	information	NOUN
easat-3190	450	3	in	in	ADP
easat-3190	450	4	online	online	ADJ
easat-3190	450	5	peer	peer	NOUN
easat-3190	450	6	-	-	PUNCT
easat-3190	450	7	to	to	ADP
easat-3190	450	8	-	-	PUNCT
easat-3190	450	9	peer	peer	NOUN
easat-3190	450	10	lending	lending	NOUN
easat-3190	450	11	:	:	PUNCT
easat-3190	450	12	evidence	evidence	NOUN
easat-3190	450	13	from	from	ADP
easat-3190	450	14	a	a	DET
easat-3190	450	15	leading	lead	VERB
easat-3190	450	16	platform	platform	NOUN
easat-3190	450	17	in	in	ADP
easat-3190	450	18	china	china	PROPN
easat-3190	450	19	.	.	PUNCT
easat-3190	451	1	electronic	electronic	ADJ
easat-3190	451	2	commerce	commerce	PROPN
easat-3190	451	3	research	research	NOUN
easat-3190	451	4	and	and	CCONJ
easat-3190	451	5	applications	application	NOUN
easat-3190	451	6	,	,	PUNCT
easat-3190	451	7	36	36	NUM
easat-3190	451	8	.	.	PUNCT
easat-3190	452	1	https://doi.org/10.1016/j.elerap.2019.100873	https://doi.org/10.1016/j.elerap.2019.100873	NOUN
easat-3190	452	2	[	[	X
easat-3190	452	3	59	59	NUM
easat-3190	452	4	]	]	X
easat-3190	452	5	wang	wang	PROPN
easat-3190	452	6	,	,	PUNCT
easat-3190	452	7	q.	q.	PROPN
easat-3190	452	8	,	,	PUNCT
easat-3190	452	9	su	su	PROPN
easat-3190	452	10	,	,	PUNCT
easat-3190	452	11	z.	z.	PROPN
easat-3190	452	12	,	,	PUNCT
easat-3190	452	13	&	&	CCONJ
easat-3190	452	14	chen	chen	PROPN
easat-3190	452	15	,	,	PUNCT
easat-3190	452	16	x.	x.	NOUN
easat-3190	452	17	(	(	PUNCT
easat-3190	452	18	2021	2021	NUM
easat-3190	452	19	)	)	PUNCT
easat-3190	452	20	.	.	PUNCT
easat-3190	453	1	information	information	NOUN
easat-3190	453	2	disclosure	disclosure	NOUN
easat-3190	453	3	and	and	CCONJ
easat-3190	453	4	the	the	DET
easat-3190	453	5	default	default	NOUN
easat-3190	453	6	risk	risk	NOUN
easat-3190	453	7	of	of	ADP
easat-3190	453	8	online	online	ADJ
easat-3190	453	9	peer	peer	NOUN
easat-3190	453	10	-	-	PUNCT
easat-3190	453	11	to	to	ADP
easat-3190	453	12	-	-	PUNCT
easat-3190	453	13	peer	peer	NOUN
easat-3190	453	14	lending	lending	NOUN
easat-3190	453	15	platform	platform	NOUN
easat-3190	453	16	.	.	PUNCT
easat-3190	454	1	finance	finance	NOUN
easat-3190	454	2	research	research	NOUN
easat-3190	454	3	letters	letter	NOUN
easat-3190	454	4	,	,	PUNCT
easat-3190	454	5	38(march	38(march	NUM
easat-3190	454	6	)	)	PUNCT
easat-3190	454	7	,	,	PUNCT
easat-3190	454	8	101509	101509	NUM
easat-3190	454	9	.	.	PUNCT
easat-3190	455	1	https://doi.org/10.1016/j.frl.2020.101509	https://doi.org/10.1016/j.frl.2020.101509	PUNCT
easat-3190	456	1	[	[	X
easat-3190	456	2	60	60	NUM
easat-3190	456	3	]	]	X
easat-3190	456	4	wang	wang	PROPN
easat-3190	456	5	,	,	PUNCT
easat-3190	456	6	z.	z.	PROPN
easat-3190	456	7	,	,	PUNCT
easat-3190	456	8	jiang	jiang	PROPN
easat-3190	456	9	,	,	PUNCT
easat-3190	456	10	c.	c.	PROPN
easat-3190	456	11	,	,	PUNCT
easat-3190	456	12	ding	ding	NOUN
easat-3190	456	13	,	,	PUNCT
easat-3190	456	14	y.	y.	PROPN
easat-3190	456	15	,	,	PUNCT
easat-3190	456	16	lyu	lyu	NOUN
easat-3190	456	17	,	,	PUNCT
easat-3190	456	18	x.	x.	PROPN
easat-3190	456	19	,	,	PUNCT
easat-3190	456	20	&	&	CCONJ
easat-3190	456	21	liu	liu	PROPN
easat-3190	456	22	,	,	PUNCT
easat-3190	456	23	y.	y.	PROPN
easat-3190	456	24	(	(	PUNCT
easat-3190	456	25	2018	2018	NUM
easat-3190	456	26	)	)	PUNCT
easat-3190	456	27	.	.	PUNCT
easat-3190	457	1	a	a	DET
easat-3190	457	2	novel	novel	ADJ
easat-3190	457	3	behavioral	behavioral	ADJ
easat-3190	457	4	scoring	scoring	NOUN
easat-3190	457	5	model	model	NOUN
easat-3190	457	6	for	for	ADP
easat-3190	457	7	estimating	estimate	VERB
easat-3190	457	8	probability	probability	NOUN
easat-3190	457	9	of	of	ADP
easat-3190	457	10	default	default	NOUN
easat-3190	457	11	over	over	ADP
easat-3190	457	12	time	time	NOUN
easat-3190	457	13	in	in	ADP
easat-3190	457	14	peer	peer	NOUN
easat-3190	457	15	-	-	PUNCT
easat-3190	457	16	to	to	ADP
easat-3190	457	17	-	-	PUNCT
easat-3190	457	18	peer	peer	NOUN
easat-3190	457	19	lending	lending	NOUN
easat-3190	457	20	.	.	PUNCT
easat-3190	458	1	electronic	electronic	ADJ
easat-3190	458	2	commerce	commerce	NOUN
easat-3190	458	3	research	research	NOUN
easat-3190	458	4	and	and	CCONJ
easat-3190	458	5	applications	application	NOUN
easat-3190	458	6	,	,	PUNCT
easat-3190	458	7	27	27	NUM
easat-3190	458	8	,	,	PUNCT
easat-3190	458	9	74–82	74–82	NUM
easat-3190	458	10	.	.	PUNCT
easat-3190	459	1	5348	5348	NUM
easat-3190	459	2	edelweiss	edelweiss	PROPN
easat-3190	459	3	applied	apply	VERB
easat-3190	459	4	science	science	NOUN
easat-3190	459	5	and	and	CCONJ
easat-3190	459	6	technology	technology	NOUN
easat-3190	459	7	issn	issn	PROPN
easat-3190	459	8	:	:	PUNCT
easat-3190	459	9	2576	2576	NUM
easat-3190	459	10	-	-	SYM
easat-3190	459	11	8484	8484	NUM
easat-3190	459	12	vol	vol	NOUN
easat-3190	459	13	.	.	PROPN
easat-3190	459	14	8	8	NUM
easat-3190	459	15	,	,	PUNCT
easat-3190	459	16	no	no	INTJ
easat-3190	459	17	.	.	NOUN
easat-3190	460	1	6	6	NUM
easat-3190	460	2	:	:	SYM
easat-3190	460	3	5336	5336	NUM
easat-3190	460	4	-	-	SYM
easat-3190	460	5	5348	5348	NUM
easat-3190	460	6	,	,	PUNCT
easat-3190	460	7	2024	2024	NUM
easat-3190	460	8	doi	doi	NOUN
easat-3190	460	9	:	:	PUNCT
easat-3190	460	10	10.55214/25768484.v8i6.3190	10.55214/25768484.v8i6.3190	NUM
easat-3190	460	11	©	©	ADP
easat-3190	460	12	2024	2024	NUM
easat-3190	460	13	by	by	ADP
easat-3190	460	14	the	the	DET
easat-3190	460	15	authors	author	NOUN
easat-3190	460	16	;	;	PUNCT
easat-3190	460	17	licensee	licensee	NOUN
easat-3190	460	18	learning	learning	NOUN
easat-3190	460	19	gate	gate	VERB
easat-3190	460	20	https://doi.org/10.1016/j.elerap.2017.12.006	https://doi.org/10.1016/j.elerap.2017.12.006	NOUN
easat-3190	460	21	[	[	X
easat-3190	460	22	61	61	NUM
easat-3190	460	23	]	]	X
easat-3190	460	24	wei	wei	PROPN
easat-3190	460	25	,	,	PUNCT
easat-3190	460	26	z.	z.	PROPN
easat-3190	460	27	,	,	PUNCT
easat-3190	460	28	&	&	CCONJ
easat-3190	460	29	lin	lin	PROPN
easat-3190	460	30	,	,	PUNCT
easat-3190	460	31	m.	m.	NOUN
easat-3190	460	32	(	(	PUNCT
easat-3190	460	33	2017	2017	NUM
easat-3190	460	34	)	)	PUNCT
easat-3190	460	35	.	.	PUNCT
easat-3190	461	1	market	market	NOUN
easat-3190	461	2	mechanisms	mechanism	NOUN
easat-3190	461	3	in	in	ADP
easat-3190	461	4	online	online	ADJ
easat-3190	461	5	peer	peer	NOUN
easat-3190	461	6	-	-	PUNCT
easat-3190	461	7	to	to	ADP
easat-3190	461	8	-	-	PUNCT
easat-3190	461	9	peer	peer	NOUN
easat-3190	461	10	lending	lending	NOUN
easat-3190	461	11	.	.	PUNCT
easat-3190	462	1	management	management	NOUN
easat-3190	462	2	science	science	NOUN
easat-3190	462	3	,	,	PUNCT
easat-3190	462	4	63(12	63(12	NOUN
easat-3190	462	5	)	)	PUNCT
easat-3190	462	6	,	,	PUNCT
easat-3190	462	7	4236	4236	NUM
easat-3190	462	8	–	–	PUNCT
easat-3190	462	9	4257	4257	NUM
easat-3190	462	10	.	.	PUNCT
easat-3190	463	1	[	[	X
easat-3190	463	2	62	62	NUM
easat-3190	463	3	]	]	X
easat-3190	463	4	weng	weng	PROPN
easat-3190	463	5	,	,	PUNCT
easat-3190	463	6	z.	z.	PROPN
easat-3190	463	7	,	,	PUNCT
easat-3190	463	8	&	&	CCONJ
easat-3190	463	9	luo	luo	PROPN
easat-3190	463	10	,	,	PUNCT
easat-3190	463	11	p.	p.	NOUN
easat-3190	463	12	(	(	PUNCT
easat-3190	463	13	2021	2021	NUM
easat-3190	463	14	)	)	PUNCT
easat-3190	463	15	.	.	PUNCT
easat-3190	464	1	the	the	DET
easat-3190	464	2	impact	impact	NOUN
easat-3190	464	3	of	of	ADP
easat-3190	464	4	guarantees	guarantee	NOUN
easat-3190	464	5	on	on	ADP
easat-3190	464	6	peer	peer	NOUN
easat-3190	464	7	-	-	PUNCT
easat-3190	464	8	to	to	ADP
easat-3190	464	9	-	-	PUNCT
easat-3190	464	10	peer	peer	NOUN
easat-3190	464	11	lending	lending	NOUN
easat-3190	464	12	platform	platform	NOUN
easat-3190	464	13	:	:	PUNCT
easat-3190	464	14	evolutionary	evolutionary	ADJ
easat-3190	464	15	game	game	NOUN
easat-3190	464	16	analysis	analysis	NOUN
easat-3190	464	17	and	and	CCONJ
easat-3190	464	18	empirical	empirical	ADJ
easat-3190	464	19	evidence	evidence	NOUN
easat-3190	464	20	from	from	ADP
easat-3190	464	21	china	china	PROPN
easat-3190	464	22	.	.	PUNCT
easat-3190	465	1	journal	journal	PROPN
easat-3190	465	2	of	of	ADP
easat-3190	465	3	theoretical	theoretical	ADJ
easat-3190	465	4	and	and	CCONJ
easat-3190	465	5	applied	apply	VERB
easat-3190	465	6	electronic	electronic	ADJ
easat-3190	465	7	commerce	commerce	NOUN
easat-3190	465	8	research	research	NOUN
easat-3190	465	9	,	,	PUNCT
easat-3190	465	10	16(7	16(7	NUM
easat-3190	465	11	)	)	PUNCT
easat-3190	465	12	,	,	PUNCT
easat-3190	465	13	2708	2708	NUM
easat-3190	465	14	–	–	PUNCT
easat-3190	465	15	2731	2731	NUM
easat-3190	465	16	.	.	PUNCT
easat-3190	466	1	https://doi.org/10.3390/jtaer16070149	https://doi.org/10.3390/jtaer16070149	NOUN
easat-3190	466	2	[	[	X
easat-3190	466	3	63	63	NUM
easat-3190	466	4	]	]	SYM
easat-3190	466	5	widyanto	widyanto	NOUN
easat-3190	466	6	,	,	PUNCT
easat-3190	466	7	h.	h.	PROPN
easat-3190	466	8	a.	a.	PROPN
easat-3190	466	9	,	,	PUNCT
easat-3190	466	10	syahrivar	syahrivar	NOUN
easat-3190	466	11	,	,	PUNCT
easat-3190	466	12	j.	j.	PROPN
easat-3190	466	13	,	,	PUNCT
easat-3190	466	14	genoveva	genoveva	PROPN
easat-3190	466	15	,	,	PUNCT
easat-3190	466	16	g.	g.	PROPN
easat-3190	466	17	,	,	PUNCT
easat-3190	466	18	&	&	CCONJ
easat-3190	466	19	chairy	chairy	PROPN
easat-3190	466	20	,	,	PUNCT
easat-3190	466	21	c.	c.	PROPN
easat-3190	466	22	(	(	PUNCT
easat-3190	466	23	2022	2022	NUM
easat-3190	466	24	)	)	PUNCT
easat-3190	466	25	.	.	PUNCT
easat-3190	467	1	intention	intention	NOUN
easat-3190	467	2	to	to	PART
easat-3190	467	3	use	use	VERB
easat-3190	467	4	peer	peer	NOUN
easat-3190	467	5	-	-	PUNCT
easat-3190	467	6	to	to	ADP
easat-3190	467	7	-	-	PUNCT
easat-3190	467	8	peer	peer	NOUN
easat-3190	467	9	(	(	PUNCT
easat-3190	467	10	p2p	p2p	NOUN
easat-3190	467	11	)	)	PUNCT
easat-3190	467	12	lending	lending	NOUN
easat-3190	467	13	:	:	PUNCT
easat-3190	467	14	the	the	DET
easat-3190	467	15	roles	role	NOUN
easat-3190	467	16	of	of	ADP
easat-3190	467	17	perceived	perceive	VERB
easat-3190	467	18	structural	structural	ADJ
easat-3190	467	19	assurance	assurance	NOUN
easat-3190	467	20	and	and	CCONJ
easat-3190	467	21	perceived	perceive	VERB
easat-3190	467	22	critical	critical	ADJ
easat-3190	467	23	mass	mass	PROPN
easat-3190	467	24	.	.	PUNCT
easat-3190	468	1	organizations	organization	NOUN
easat-3190	468	2	and	and	CCONJ
easat-3190	468	3	markets	market	NOUN
easat-3190	468	4	in	in	ADP
easat-3190	468	5	emerging	emerge	VERB
easat-3190	468	6	economies	economy	NOUN
easat-3190	468	7	,	,	PUNCT
easat-3190	468	8	31(1	31(1	NUM
easat-3190	468	9	)	)	PUNCT
easat-3190	468	10	,	,	PUNCT
easat-3190	468	11	183–208	183–208	NUM
easat-3190	468	12	.	.	PUNCT
easat-3190	469	1	https://doi.org/10.15388/omee.2022.13.76	https://doi.org/10.15388/omee.2022.13.76	PROPN
easat-3190	470	1	[	[	X
easat-3190	470	2	64	64	NUM
easat-3190	470	3	]	]	X
easat-3190	470	4	woo	woo	PROPN
easat-3190	470	5	,	,	PUNCT
easat-3190	470	6	h.	h.	PROPN
easat-3190	470	7	,	,	PUNCT
easat-3190	470	8	&	&	CCONJ
easat-3190	470	9	sohn	sohn	PROPN
easat-3190	470	10	,	,	PUNCT
easat-3190	470	11	s.	s.	PROPN
easat-3190	470	12	y.	y.	PROPN
easat-3190	470	13	(	(	PUNCT
easat-3190	470	14	2022	2022	NUM
easat-3190	470	15	)	)	PUNCT
easat-3190	470	16	.	.	PUNCT
easat-3190	471	1	a	a	DET
easat-3190	471	2	credit	credit	NOUN
easat-3190	471	3	scoring	scoring	NOUN
easat-3190	471	4	model	model	NOUN
easat-3190	471	5	based	base	VERB
easat-3190	471	6	on	on	ADP
easat-3190	471	7	the	the	DET
easat-3190	471	8	myers	myer	NOUN
easat-3190	471	9	–	–	PUNCT
easat-3190	471	10	briggs	briggs	PROPN
easat-3190	471	11	type	type	PROPN
easat-3190	471	12	indicator	indicator	NOUN
easat-3190	471	13	in	in	ADP
easat-3190	471	14	online	online	ADJ
easat-3190	471	15	peer	peer	NOUN
easat-3190	471	16	-	-	PUNCT
easat-3190	471	17	topeer	topeer	NOUN
easat-3190	471	18	lending	lending	NOUN
easat-3190	471	19	.	.	PUNCT
easat-3190	472	1	financial	financial	ADJ
easat-3190	472	2	innovation	innovation	NOUN
easat-3190	472	3	,	,	PUNCT
easat-3190	472	4	8(1	8(1	NOUN
easat-3190	472	5	)	)	PUNCT
easat-3190	472	6	,	,	PUNCT
easat-3190	472	7	1–19	1–19	PROPN
easat-3190	472	8	.	.	PUNCT
easat-3190	473	1	https://doi.org/10.1186/s40854-022-00347-4	https://doi.org/10.1186/s40854-022-00347-4	X
easat-3190	474	1	[	[	X
easat-3190	474	2	65	65	NUM
easat-3190	474	3	]	]	X
easat-3190	474	4	xia	xia	PROPN
easat-3190	474	5	,	,	PUNCT
easat-3190	474	6	y.	y.	PROPN
easat-3190	474	7	,	,	PUNCT
easat-3190	474	8	he	he	PRON
easat-3190	474	9	,	,	PUNCT
easat-3190	474	10	l.	l.	PROPN
easat-3190	474	11	,	,	PUNCT
easat-3190	474	12	li	li	PROPN
easat-3190	474	13	,	,	PUNCT
easat-3190	474	14	y.	y.	PROPN
easat-3190	474	15	,	,	PUNCT
easat-3190	474	16	liu	liu	PROPN
easat-3190	474	17	,	,	PUNCT
easat-3190	474	18	n.	n.	NOUN
easat-3190	474	19	,	,	PUNCT
easat-3190	474	20	&	&	CCONJ
easat-3190	474	21	ding	ding	PROPN
easat-3190	474	22	,	,	PUNCT
easat-3190	474	23	y.	y.	PROPN
easat-3190	474	24	(	(	PUNCT
easat-3190	474	25	2020	2020	NUM
easat-3190	474	26	)	)	PUNCT
easat-3190	474	27	.	.	PUNCT
easat-3190	475	1	predicting	predict	VERB
easat-3190	475	2	loan	loan	NOUN
easat-3190	475	3	default	default	NOUN
easat-3190	475	4	in	in	ADP
easat-3190	475	5	peer	peer	NOUN
easat-3190	475	6	-	-	PUNCT
easat-3190	475	7	to	to	ADP
easat-3190	475	8	-	-	PUNCT
easat-3190	475	9	peer	peer	NOUN
easat-3190	475	10	lending	lending	NOUN
easat-3190	475	11	using	use	VERB
easat-3190	475	12	narrative	narrative	NOUN
easat-3190	475	13	data	datum	NOUN
easat-3190	475	14	.	.	PUNCT
easat-3190	476	1	journal	journal	PROPN
easat-3190	476	2	of	of	ADP
easat-3190	476	3	forecasting	forecasting	NOUN
easat-3190	476	4	,	,	PUNCT
easat-3190	476	5	39(2	39(2	NUM
easat-3190	476	6	)	)	PUNCT
easat-3190	476	7	,	,	PUNCT
easat-3190	476	8	260–280	260–280	NUM
easat-3190	476	9	.	.	PUNCT
easat-3190	477	1	https://doi.org/10.1002/for.2625	https://doi.org/10.1002/for.2625	PROPN
easat-3190	477	2	[	[	X
easat-3190	477	3	66	66	NUM
easat-3190	477	4	]	]	X
easat-3190	477	5	xia	xia	PROPN
easat-3190	477	6	,	,	PUNCT
easat-3190	477	7	y.	y.	PROPN
easat-3190	477	8	,	,	PUNCT
easat-3190	477	9	liu	liu	PROPN
easat-3190	477	10	,	,	PUNCT
easat-3190	477	11	c.	c.	PROPN
easat-3190	477	12	,	,	PUNCT
easat-3190	477	13	&	&	CCONJ
easat-3190	477	14	liu	liu	PROPN
easat-3190	477	15	,	,	PUNCT
easat-3190	477	16	n.	n.	PROPN
easat-3190	477	17	(	(	PUNCT
easat-3190	477	18	2017	2017	NUM
easat-3190	477	19	)	)	PUNCT
easat-3190	477	20	.	.	PUNCT
easat-3190	478	1	cost	cost	NOUN
easat-3190	478	2	-	-	PUNCT
easat-3190	478	3	sensitive	sensitive	ADJ
easat-3190	478	4	boosted	boost	VERB
easat-3190	478	5	tree	tree	NOUN
easat-3190	478	6	for	for	ADP
easat-3190	478	7	loan	loan	NOUN
easat-3190	478	8	evaluation	evaluation	NOUN
easat-3190	478	9	in	in	ADP
easat-3190	478	10	peer	peer	NOUN
easat-3190	478	11	-	-	PUNCT
easat-3190	478	12	to	to	ADP
easat-3190	478	13	-	-	PUNCT
easat-3190	478	14	peer	peer	NOUN
easat-3190	478	15	lending	lending	NOUN
easat-3190	478	16	.	.	PUNCT
easat-3190	479	1	electronic	electronic	ADJ
easat-3190	479	2	commerce	commerce	NOUN
easat-3190	479	3	research	research	NOUN
easat-3190	479	4	and	and	CCONJ
easat-3190	479	5	applications	application	NOUN
easat-3190	479	6	,	,	PUNCT
easat-3190	479	7	24	24	NUM
easat-3190	479	8	,	,	PUNCT
easat-3190	479	9	30–49	30–49	NUM
easat-3190	479	10	.	.	PUNCT
easat-3190	480	1	https://doi.org/10.1016/j.elerap.2017.06.004	https://doi.org/10.1016/j.elerap.2017.06.004	NOUN
easat-3190	480	2	[	[	X
easat-3190	480	3	67	67	NUM
easat-3190	480	4	]	]	X
easat-3190	480	5	xu	xu	PROPN
easat-3190	480	6	,	,	PUNCT
easat-3190	480	7	j.	j.	PROPN
easat-3190	480	8	,	,	PUNCT
easat-3190	480	9	hilliard	hilliard	PROPN
easat-3190	480	10	,	,	PUNCT
easat-3190	480	11	j.	j.	PROPN
easat-3190	480	12	,	,	PUNCT
easat-3190	480	13	&	&	CCONJ
easat-3190	480	14	barth	barth	PROPN
easat-3190	480	15	,	,	PUNCT
easat-3190	480	16	j.	j.	PROPN
easat-3190	480	17	r.	r.	PROPN
easat-3190	480	18	(	(	PUNCT
easat-3190	480	19	2020	2020	NUM
easat-3190	480	20	)	)	PUNCT
easat-3190	480	21	.	.	PUNCT
easat-3190	481	1	on	on	ADP
easat-3190	481	2	education	education	NOUN
easat-3190	481	3	level	level	NOUN
easat-3190	481	4	and	and	CCONJ
easat-3190	481	5	terms	term	NOUN
easat-3190	481	6	in	in	ADP
easat-3190	481	7	obtaining	obtain	VERB
easat-3190	481	8	p2p	p2p	NOUN
easat-3190	481	9	funding	funding	NOUN
easat-3190	481	10	:	:	PUNCT
easat-3190	481	11	new	new	ADJ
easat-3190	481	12	evidence	evidence	NOUN
easat-3190	481	13	from	from	ADP
easat-3190	481	14	china	china	PROPN
easat-3190	481	15	*	*	PROPN
easat-3190	481	16	.	.	PUNCT
easat-3190	482	1	international	international	ADJ
easat-3190	482	2	review	review	NOUN
easat-3190	482	3	of	of	ADP
easat-3190	482	4	finance	finance	NOUN
easat-3190	482	5	,	,	PUNCT
easat-3190	482	6	20(4	20(4	NOUN
easat-3190	482	7	)	)	PUNCT
easat-3190	482	8	,	,	PUNCT
easat-3190	482	9	801–826	801–826	NUM
easat-3190	482	10	.	.	PUNCT
easat-3190	482	11	https://doi.org/10.1111/irfi.12242	https://doi.org/10.1111/irfi.12242	VERB
easat-3190	482	12	[	[	X
easat-3190	482	13	68	68	NUM
easat-3190	482	14	]	]	X
easat-3190	482	15	xu	xu	PROPN
easat-3190	482	16	,	,	PUNCT
easat-3190	482	17	j.	j.	PROPN
easat-3190	482	18	j.	j.	PROPN
easat-3190	482	19	,	,	PUNCT
easat-3190	482	20	&	&	CCONJ
easat-3190	482	21	chau	chau	NOUN
easat-3190	482	22	,	,	PUNCT
easat-3190	482	23	m.	m.	NOUN
easat-3190	482	24	(	(	PUNCT
easat-3190	482	25	2018	2018	NUM
easat-3190	482	26	)	)	PUNCT
easat-3190	482	27	.	.	PUNCT
easat-3190	483	1	cheap	cheap	ADJ
easat-3190	483	2	talk	talk	NOUN
easat-3190	483	3	?	?	PUNCT
easat-3190	484	1	the	the	DET
easat-3190	484	2	impact	impact	NOUN
easat-3190	484	3	of	of	ADP
easat-3190	484	4	lender	lender	NOUN
easat-3190	484	5	-	-	PUNCT
easat-3190	484	6	borrower	borrower	NOUN
easat-3190	484	7	communication	communication	NOUN
easat-3190	484	8	on	on	ADP
easat-3190	484	9	peer	peer	NOUN
easat-3190	484	10	-	-	PUNCT
easat-3190	484	11	to	to	ADP
easat-3190	484	12	-	-	PUNCT
easat-3190	484	13	peer	peer	NOUN
easat-3190	484	14	lending	lending	NOUN
easat-3190	484	15	outcomes	outcome	NOUN
easat-3190	484	16	.	.	PUNCT
easat-3190	485	1	journal	journal	PROPN
easat-3190	485	2	of	of	ADP
easat-3190	485	3	management	management	NOUN
easat-3190	485	4	information	information	NOUN
easat-3190	485	5	systems	system	NOUN
easat-3190	485	6	,	,	PUNCT
easat-3190	485	7	35(1	35(1	NUM
easat-3190	485	8	)	)	PUNCT
easat-3190	485	9	,	,	PUNCT
easat-3190	485	10	53–85	53–85	NUM
easat-3190	485	11	.	.	PUNCT
easat-3190	485	12	https://doi.org/10.1080/07421222.2018.1440776	https://doi.org/10.1080/07421222.2018.1440776	PUNCT
easat-3190	486	1	[	[	X
easat-3190	486	2	69	69	NUM
easat-3190	486	3	]	]	SYM
easat-3190	486	4	yang	yang	PROPN
easat-3190	486	5	,	,	PUNCT
easat-3190	486	6	e.	e.	PROPN
easat-3190	486	7	c.	c.	PROPN
easat-3190	486	8	l.	l.	PROPN
easat-3190	486	9	,	,	PUNCT
easat-3190	486	10	&	&	CCONJ
easat-3190	486	11	nair	nair	PROPN
easat-3190	486	12	,	,	PUNCT
easat-3190	486	13	v.	v.	PROPN
easat-3190	486	14	(	(	PUNCT
easat-3190	486	15	2014	2014	NUM
easat-3190	486	16	)	)	PUNCT
easat-3190	486	17	.	.	PUNCT
easat-3190	487	1	tourism	tourism	NOUN
easat-3190	487	2	at	at	ADP
easat-3190	487	3	risk	risk	NOUN
easat-3190	487	4	:	:	PUNCT
easat-3190	487	5	a	a	DET
easat-3190	487	6	review	review	NOUN
easat-3190	487	7	of	of	ADP
easat-3190	487	8	risk	risk	NOUN
easat-3190	487	9	and	and	CCONJ
easat-3190	487	10	perceived	perceive	VERB
easat-3190	487	11	risk	risk	NOUN
easat-3190	487	12	in	in	ADP
easat-3190	487	13	tourism	tourism	NOUN
easat-3190	487	14	.	.	PUNCT
easat-3190	488	1	asia	asia	PROPN
easat-3190	488	2	-	-	PUNCT
easat-3190	488	3	pacific	pacific	PROPN
easat-3190	488	4	journal	journal	NOUN
easat-3190	488	5	of	of	ADP
easat-3190	488	6	innovation	innovation	NOUN
easat-3190	488	7	in	in	ADP
easat-3190	488	8	hospitality	hospitality	NOUN
easat-3190	488	9	and	and	CCONJ
easat-3190	488	10	tourism	tourism	NOUN
easat-3190	488	11	(	(	PUNCT
easat-3190	488	12	apjiht	apjiht	ADJ
easat-3190	488	13	)	)	PUNCT
easat-3190	488	14	,	,	PUNCT
easat-3190	488	15	3(2	3(2	NUM
easat-3190	488	16	)	)	PUNCT
easat-3190	488	17	,	,	PUNCT
easat-3190	488	18	239–259	239–259	NUM
easat-3190	488	19	.	.	PUNCT
easat-3190	489	1	https://doi.org/10.7603/s40930-0140013-z	https://doi.org/10.7603/s40930-0140013-z	PROPN
easat-3190	490	1	[	[	X
easat-3190	490	2	70	70	NUM
easat-3190	490	3	]	]	X
easat-3190	490	4	yang	yang	PROPN
easat-3190	490	5	,	,	PUNCT
easat-3190	490	6	h.	h.	PROPN
easat-3190	490	7	,	,	PUNCT
easat-3190	490	8	li	li	PROPN
easat-3190	490	9	,	,	PUNCT
easat-3190	490	10	h.	h.	PROPN
easat-3190	490	11	,	,	PUNCT
easat-3190	490	12	hu	hu	PROPN
easat-3190	490	13	,	,	PUNCT
easat-3190	490	14	z.	z.	PROPN
easat-3190	490	15	,	,	PUNCT
easat-3190	490	16	&	&	CCONJ
easat-3190	490	17	chi	chi	PROPN
easat-3190	490	18	,	,	PUNCT
easat-3190	490	19	g.	g.	PROPN
easat-3190	490	20	(	(	PUNCT
easat-3190	490	21	2020	2020	NUM
easat-3190	490	22	)	)	PUNCT
easat-3190	490	23	.	.	PUNCT
easat-3190	491	1	impacts	impact	NOUN
easat-3190	491	2	of	of	ADP
easat-3190	491	3	venture	venture	NOUN
easat-3190	491	4	capital	capital	NOUN
easat-3190	491	5	on	on	ADP
easat-3190	491	6	online	online	ADJ
easat-3190	491	7	p2p	p2p	NOUN
easat-3190	491	8	lending	lending	NOUN
easat-3190	491	9	platforms	platform	NOUN
easat-3190	491	10	:	:	PUNCT
easat-3190	491	11	empirical	empirical	ADJ
easat-3190	491	12	evidence	evidence	NOUN
easat-3190	491	13	from	from	ADP
easat-3190	491	14	china	china	PROPN
easat-3190	491	15	.	.	PUNCT
easat-3190	492	1	emerging	emerge	VERB
easat-3190	492	2	markets	market	NOUN
easat-3190	492	3	finance	finance	NOUN
easat-3190	492	4	and	and	CCONJ
easat-3190	492	5	trade	trade	NOUN
easat-3190	492	6	,	,	PUNCT
easat-3190	492	7	56(9	56(9	NUM
easat-3190	492	8	)	)	PUNCT
easat-3190	492	9	,	,	PUNCT
easat-3190	492	10	2039–2054	2039–2054	NUM
easat-3190	492	11	.	.	PUNCT
easat-3190	493	1	https://doi.org/10.1080/1540496x.2019.1658074	https://doi.org/10.1080/1540496x.2019.1658074	PROPN
easat-3190	493	2	[	[	X
easat-3190	493	3	71	71	NUM
easat-3190	493	4	]	]	X
easat-3190	493	5	yang	yang	PROPN
easat-3190	493	6	,	,	PUNCT
easat-3190	493	7	q.	q.	PROPN
easat-3190	493	8	,	,	PUNCT
easat-3190	493	9	&	&	CCONJ
easat-3190	493	10	lee	lee	PROPN
easat-3190	493	11	,	,	PUNCT
easat-3190	493	12	y.-c	y.-c	PROPN
easat-3190	493	13	.	.	PUNCT
easat-3190	494	1	(	(	PUNCT
easat-3190	494	2	2016	2016	NUM
easat-3190	494	3	)	)	PUNCT
easat-3190	494	4	.	.	PUNCT
easat-3190	495	1	influencing	influence	VERB
easat-3190	495	2	factors	factor	NOUN
easat-3190	495	3	on	on	ADP
easat-3190	495	4	the	the	DET
easat-3190	495	5	lending	lending	NOUN
easat-3190	495	6	intention	intention	NOUN
easat-3190	495	7	of	of	ADP
easat-3190	495	8	online	online	ADJ
easat-3190	495	9	peer	peer	NOUN
easat-3190	495	10	-	-	PUNCT
easat-3190	495	11	to	to	ADP
easat-3190	495	12	-	-	PUNCT
easat-3190	495	13	peer	peer	NOUN
easat-3190	495	14	lending	lending	NOUN
easat-3190	495	15	:	:	PUNCT
easat-3190	495	16	lessons	lesson	NOUN
easat-3190	495	17	from	from	ADP
easat-3190	495	18	renrendai.com	renrendai.com	X
easat-3190	495	19	.	.	PUNCT
easat-3190	496	1	the	the	DET
easat-3190	496	2	journal	journal	NOUN
easat-3190	496	3	of	of	ADP
easat-3190	496	4	information	information	NOUN
easat-3190	496	5	systems	system	NOUN
easat-3190	496	6	,	,	PUNCT
easat-3190	496	7	25(2	25(2	NUM
easat-3190	496	8	)	)	PUNCT
easat-3190	496	9	,	,	PUNCT
easat-3190	496	10	79–110	79–110	PROPN
easat-3190	496	11	.	.	PUNCT
easat-3190	496	12	https://doi.org/10.5859/kais.2016.25.2.79	https://doi.org/10.5859/kais.2016.25.2.79	NOUN
easat-3190	497	1	[	[	X
easat-3190	497	2	72	72	NUM
easat-3190	497	3	]	]	X
easat-3190	497	4	yang	yang	PROPN
easat-3190	497	5	,	,	PUNCT
easat-3190	497	6	x.	x.	NOUN
easat-3190	497	7	(	(	PUNCT
easat-3190	497	8	2014	2014	NUM
easat-3190	497	9	)	)	PUNCT
easat-3190	497	10	.	.	PUNCT
easat-3190	498	1	the	the	DET
easat-3190	498	2	role	role	NOUN
easat-3190	498	3	of	of	ADP
easat-3190	498	4	photohraphs	photohraph	NOUN
easat-3190	498	5	in	in	ADP
easat-3190	498	6	online	online	ADJ
easat-3190	498	7	peer	peer	NOUN
easat-3190	498	8	-	-	PUNCT
easat-3190	498	9	to	to	PART
easat-3190	498	10	peer	peer	NOUN
easat-3190	498	11	lending	lending	NOUN
easat-3190	498	12	behavior	behavior	NOUN
easat-3190	498	13	.	.	PUNCT
easat-3190	499	1	social	social	ADJ
easat-3190	499	2	behavior	behavior	NOUN
easat-3190	499	3	and	and	CCONJ
easat-3190	499	4	personality	personality	NOUN
easat-3190	499	5	,	,	PUNCT
easat-3190	499	6	43(3	43(3	NUM
easat-3190	499	7	)	)	PUNCT
easat-3190	499	8	,	,	PUNCT
easat-3190	499	9	445–452	445–452	NUM
easat-3190	499	10	.	.	PUNCT
easat-3190	500	1	https://doi.org/http://dx.doi.org/10.2224/sbp.2014.42.3.445	https://doi.org/http://dx.doi.org/10.2224/sbp.2014.42.3.445	PROPN
easat-3190	501	1	[	[	X
easat-3190	501	2	73	73	NUM
easat-3190	501	3	]	]	X
easat-3190	501	4	yao	yao	PROPN
easat-3190	501	5	,	,	PUNCT
easat-3190	501	6	j.	j.	PROPN
easat-3190	501	7	,	,	PUNCT
easat-3190	501	8	chen	chen	PROPN
easat-3190	501	9	,	,	PUNCT
easat-3190	501	10	j.	j.	PROPN
easat-3190	501	11	,	,	PUNCT
easat-3190	501	12	wei	wei	PROPN
easat-3190	501	13	,	,	PUNCT
easat-3190	501	14	j.	j.	PROPN
easat-3190	501	15	,	,	PUNCT
easat-3190	501	16	chen	chen	PROPN
easat-3190	501	17	,	,	PUNCT
easat-3190	501	18	y.	y.	PROPN
easat-3190	501	19	,	,	PUNCT
easat-3190	501	20	&	&	CCONJ
easat-3190	501	21	yang	yang	PROPN
easat-3190	501	22	,	,	PUNCT
easat-3190	501	23	s.	s.	PROPN
easat-3190	501	24	(	(	PUNCT
easat-3190	501	25	2019	2019	NUM
easat-3190	501	26	)	)	PUNCT
easat-3190	501	27	.	.	PUNCT
easat-3190	502	1	the	the	DET
easat-3190	502	2	relationship	relationship	NOUN
easat-3190	502	3	between	between	ADP
easat-3190	502	4	soft	soft	ADJ
easat-3190	502	5	information	information	NOUN
easat-3190	502	6	in	in	ADP
easat-3190	502	7	loan	loan	NOUN
easat-3190	502	8	titles	title	NOUN
easat-3190	502	9	and	and	CCONJ
easat-3190	502	10	online	online	ADJ
easat-3190	502	11	peer	peer	NOUN
easat-3190	502	12	-	-	PUNCT
easat-3190	502	13	to	to	ADP
easat-3190	502	14	-	-	PUNCT
easat-3190	502	15	peer	peer	NOUN
easat-3190	502	16	lending	lending	NOUN
easat-3190	502	17	:	:	PUNCT
easat-3190	502	18	evidence	evidence	NOUN
easat-3190	502	19	from	from	ADP
easat-3190	502	20	renrendai	renrendai	NOUN
easat-3190	502	21	platform	platform	NOUN
easat-3190	502	22	.	.	PUNCT
easat-3190	503	1	electronic	electronic	ADJ
easat-3190	503	2	commerce	commerce	NOUN
easat-3190	503	3	research	research	NOUN
easat-3190	503	4	,	,	PUNCT
easat-3190	503	5	19(1	19(1	NUM
easat-3190	503	6	)	)	PUNCT
easat-3190	503	7	,	,	PUNCT
easat-3190	503	8	111–129	111–129	NUM
easat-3190	503	9	.	.	PUNCT
easat-3190	504	1	https://doi.org/10.1007/s10660-018-9293-z	https://doi.org/10.1007/s10660-018-9293-z	PROPN
easat-3190	505	1	[	[	X
easat-3190	505	2	74	74	NUM
easat-3190	505	3	]	]	PUNCT
easat-3190	505	4	yu	yu	PROPN
easat-3190	505	5	,	,	PUNCT
easat-3190	505	6	t.	t.	PROPN
easat-3190	505	7	,	,	PUNCT
easat-3190	505	8	&	&	CCONJ
easat-3190	505	9	shen	shen	PROPN
easat-3190	505	10	,	,	PUNCT
easat-3190	505	11	w.	w.	PROPN
easat-3190	505	12	(	(	PUNCT
easat-3190	505	13	2019	2019	NUM
easat-3190	505	14	)	)	PUNCT
easat-3190	505	15	.	.	PUNCT
easat-3190	506	1	funds	fund	NOUN
easat-3190	506	2	sharing	share	VERB
easat-3190	506	3	regulation	regulation	NOUN
easat-3190	506	4	in	in	ADP
easat-3190	506	5	the	the	DET
easat-3190	506	6	context	context	NOUN
easat-3190	506	7	of	of	ADP
easat-3190	506	8	the	the	DET
easat-3190	506	9	sharing	sharing	NOUN
easat-3190	506	10	economy	economy	NOUN
easat-3190	506	11	:	:	PUNCT
easat-3190	506	12	understanding	understand	VERB
easat-3190	506	13	the	the	DET
easat-3190	506	14	logic	logic	NOUN
easat-3190	506	15	of	of	ADP
easat-3190	506	16	china	china	PROPN
easat-3190	506	17	’s	’s	PART
easat-3190	506	18	p2p	p2p	NOUN
easat-3190	506	19	lending	lending	NOUN
easat-3190	506	20	regulation	regulation	NOUN
easat-3190	506	21	.	.	PUNCT
easat-3190	507	1	computer	computer	NOUN
easat-3190	507	2	law	law	NOUN
easat-3190	507	3	and	and	CCONJ
easat-3190	507	4	security	security	NOUN
easat-3190	507	5	review	review	NOUN
easat-3190	507	6	,	,	PUNCT
easat-3190	507	7	35(1	35(1	NUM
easat-3190	507	8	)	)	PUNCT
easat-3190	507	9	,	,	PUNCT
easat-3190	507	10	42–58	42–58	NUM
easat-3190	507	11	.	.	PUNCT
easat-3190	508	1	https://doi.org/10.1016/j.clsr.2018.10.001	https://doi.org/10.1016/j.clsr.2018.10.001	NOUN
easat-3190	508	2	[	[	PUNCT
easat-3190	508	3	75	75	NUM
easat-3190	508	4	]	]	PUNCT
easat-3190	508	5	zanin	zanin	PROPN
easat-3190	508	6	,	,	PUNCT
easat-3190	508	7	l.	l.	PROPN
easat-3190	508	8	(	(	PUNCT
easat-3190	508	9	2020	2020	NUM
easat-3190	508	10	)	)	PUNCT
easat-3190	508	11	.	.	PUNCT
easat-3190	509	1	combining	combine	VERB
easat-3190	509	2	multiple	multiple	ADJ
easat-3190	509	3	probability	probability	NOUN
easat-3190	509	4	predictions	prediction	NOUN
easat-3190	509	5	in	in	ADP
easat-3190	509	6	the	the	DET
easat-3190	509	7	presence	presence	NOUN
easat-3190	509	8	of	of	ADP
easat-3190	509	9	class	class	NOUN
easat-3190	509	10	imbalance	imbalance	NOUN
easat-3190	509	11	to	to	PART
easat-3190	509	12	discriminate	discriminate	VERB
easat-3190	509	13	between	between	ADP
easat-3190	509	14	potential	potential	ADJ
easat-3190	509	15	bad	bad	ADJ
easat-3190	509	16	and	and	CCONJ
easat-3190	509	17	good	good	ADJ
easat-3190	509	18	borrowers	borrower	NOUN
easat-3190	509	19	in	in	ADP
easat-3190	509	20	the	the	DET
easat-3190	509	21	peer	peer	NOUN
easat-3190	509	22	-	-	PUNCT
easat-3190	509	23	to	to	ADP
easat-3190	509	24	-	-	PUNCT
easat-3190	509	25	peer	peer	NOUN
easat-3190	509	26	lending	lending	NOUN
easat-3190	509	27	market	market	NOUN
easat-3190	509	28	.	.	PUNCT
easat-3190	510	1	journal	journal	NOUN
easat-3190	510	2	of	of	ADP
easat-3190	510	3	behavioral	behavioral	ADJ
easat-3190	510	4	and	and	CCONJ
easat-3190	510	5	experimental	experimental	ADJ
easat-3190	510	6	finance	finance	NOUN
easat-3190	510	7	,	,	PUNCT
easat-3190	510	8	25	25	NUM
easat-3190	510	9	,	,	PUNCT
easat-3190	510	10	100272	100272	NUM
easat-3190	510	11	.	.	PUNCT
easat-3190	511	1	https://doi.org/10.1016/j.jbef.2020.100272	https://doi.org/10.1016/j.jbef.2020.100272	PROPN
easat-3190	512	1	[	[	X
easat-3190	512	2	76	76	NUM
easat-3190	512	3	]	]	X
easat-3190	512	4	zhou	zhou	X
easat-3190	512	5	,	,	PUNCT
easat-3190	512	6	y.	y.	PROPN
easat-3190	512	7	,	,	PUNCT
easat-3190	512	8	&	&	CCONJ
easat-3190	512	9	wei	wei	PROPN
easat-3190	512	10	,	,	PUNCT
easat-3190	512	11	x.	x.	NOUN
easat-3190	512	12	(	(	PUNCT
easat-3190	512	13	2020	2020	NUM
easat-3190	512	14	)	)	PUNCT
easat-3190	512	15	.	.	PUNCT
easat-3190	513	1	joint	joint	ADJ
easat-3190	513	2	liability	liability	NOUN
easat-3190	513	3	loans	loan	NOUN
easat-3190	513	4	in	in	ADP
easat-3190	513	5	online	online	ADJ
easat-3190	513	6	peer	peer	NOUN
easat-3190	513	7	-	-	PUNCT
easat-3190	513	8	to	to	ADP
easat-3190	513	9	-	-	PUNCT
easat-3190	513	10	peer	peer	NOUN
easat-3190	513	11	lending	lending	NOUN
easat-3190	513	12	.	.	PUNCT
easat-3190	514	1	finance	finance	NOUN
easat-3190	514	2	research	research	NOUN
easat-3190	514	3	letters	letter	NOUN
easat-3190	514	4	,	,	PUNCT
easat-3190	514	5	32(november	32(november	NUM
easat-3190	514	6	2018	2018	NUM
easat-3190	514	7	)	)	PUNCT
easat-3190	514	8	,	,	PUNCT
easat-3190	514	9	1–4	1–4	PROPN
easat-3190	514	10	.	.	PUNCT
easat-3190	514	11	https://doi.org/10.1016/j.frl.2018.12.024	https://doi.org/10.1016/j.frl.2018.12.024	VERB