id	sid	tid	token	lemma	pos
easat-3515	1	1	edelweiss	edelweiss	PROPN
easat-3515	1	2	applied	apply	VERB
easat-3515	1	3	science	science	NOUN
easat-3515	1	4	and	and	CCONJ
easat-3515	1	5	technology	technology	NOUN
easat-3515	1	6	issn	issn	PROPN
easat-3515	1	7	:	:	PUNCT
easat-3515	1	8	2576	2576	NUM
easat-3515	1	9	-	-	SYM
easat-3515	1	10	8484	8484	NUM
easat-3515	1	11	vol	vol	NOUN
easat-3515	1	12	.	.	PROPN
easat-3515	1	13	8	8	NUM
easat-3515	1	14	,	,	PUNCT
easat-3515	1	15	no	no	INTJ
easat-3515	1	16	.	.	NOUN
easat-3515	1	17	6	6	NUM
easat-3515	1	18	,	,	PUNCT
easat-3515	1	19	7001	7001	NUM
easat-3515	1	20	-	-	SYM
easat-3515	1	21	7007	7007	NUM
easat-3515	1	22	2024	2024	NUM
easat-3515	1	23	publisher	publisher	NOUN
easat-3515	1	24	:	:	PUNCT
easat-3515	1	25	learning	learn	VERB
easat-3515	1	26	gate	gate	NOUN
easat-3515	1	27	doi	doi	PROPN
easat-3515	1	28	:	:	PUNCT
easat-3515	1	29	10.55214/25768484.v8i6.3515	10.55214/25768484.v8i6.3515	PROPN
easat-3515	1	30	©	©	PROPN
easat-3515	1	31	2024	2024	NUM
easat-3515	1	32	by	by	ADP
easat-3515	1	33	the	the	DET
easat-3515	1	34	authors	author	NOUN
easat-3515	1	35	;	;	PUNCT
easat-3515	1	36	licensee	licensee	PROPN
easat-3515	1	37	learning	learning	NOUN
easat-3515	1	38	gate	gate	NOUN
easat-3515	1	39	©	©	PROPN
easat-3515	1	40	2024	2024	NUM
easat-3515	1	41	by	by	ADP
easat-3515	1	42	the	the	DET
easat-3515	1	43	authors	author	NOUN
easat-3515	1	44	;	;	PUNCT
easat-3515	1	45	licensee	licensee	PROPN
easat-3515	1	46	learning	learn	VERB
easat-3515	1	47	gate	gate	NOUN
easat-3515	1	48	*	*	PUNCT
easat-3515	1	49	correspondence	correspondence	NOUN
easat-3515	1	50	:	:	PUNCT
easat-3515	1	51	bkaramani@fti.edu.al	bkaramani@fti.edu.al	ADP
easat-3515	1	52	leveraging	leverage	VERB
easat-3515	1	53	data	datum	NOUN
easat-3515	1	54	quality	quality	NOUN
easat-3515	1	55	analytics	analytic	NOUN
easat-3515	1	56	for	for	ADP
easat-3515	1	57	enhanced	enhanced	ADJ
easat-3515	1	58	loan	loan	NOUN
easat-3515	1	59	application	application	NOUN
easat-3515	1	60	and	and	CCONJ
easat-3515	1	61	performance	performance	NOUN
easat-3515	1	62	insights	insight	NOUN
easat-3515	1	63	:	:	PUNCT
easat-3515	1	64	a	a	DET
easat-3515	1	65	comprehensive	comprehensive	ADJ
easat-3515	1	66	approach	approach	NOUN
easat-3515	1	67	brunela	brunela	ADP
easat-3515	1	68	karamani1	karamani1	PROPN
easat-3515	1	69	*	*	PUNCT
easat-3515	1	70	,	,	PUNCT
easat-3515	1	71	bojken	bojken	VERB
easat-3515	1	72	shehu1	shehu1	NOUN
easat-3515	2	1	1,2department	1,2department	NUM
easat-3515	2	2	of	of	ADP
easat-3515	2	3	computer	computer	NOUN
easat-3515	2	4	science	science	NOUN
easat-3515	2	5	,	,	PUNCT
easat-3515	2	6	faculty	faculty	NOUN
easat-3515	2	7	of	of	ADP
easat-3515	2	8	information	information	NOUN
easat-3515	2	9	technology	technology	NOUN
easat-3515	2	10	,	,	PUNCT
easat-3515	2	11	university	university	NOUN
easat-3515	2	12	polytechnic	polytechnic	NOUN
easat-3515	2	13	of	of	ADP
easat-3515	2	14	tirana	tirana	PROPN
easat-3515	2	15	,	,	PUNCT
easat-3515	2	16	albania	albania	PROPN
easat-3515	2	17	;	;	PUNCT
easat-3515	2	18	bkaramani@fti.edu.al	bkaramani@fti.edu.al	PROPN
easat-3515	2	19	(	(	PUNCT
easat-3515	2	20	b.k	b.k	NOUN
easat-3515	2	21	.	.	PUNCT
easat-3515	2	22	)	)	PUNCT
easat-3515	3	1	bshehu@fti.edu.al	bshehu@fti.edu.al	NOUN
easat-3515	3	2	(	(	PUNCT
easat-3515	3	3	b.s	b.s	PROPN
easat-3515	3	4	.	.	PUNCT
easat-3515	3	5	)	)	PUNCT
easat-3515	4	1	abstract	abstract	NOUN
easat-3515	4	2	:	:	PUNCT
easat-3515	4	3	the	the	DET
easat-3515	4	4	objective	objective	NOUN
easat-3515	4	5	of	of	ADP
easat-3515	4	6	this	this	DET
easat-3515	4	7	research	research	NOUN
easat-3515	4	8	is	be	AUX
easat-3515	4	9	to	to	PART
easat-3515	4	10	discover	discover	VERB
easat-3515	4	11	the	the	DET
easat-3515	4	12	ways	way	NOUN
easat-3515	4	13	in	in	ADP
easat-3515	4	14	which	which	PRON
easat-3515	4	15	the	the	DET
easat-3515	4	16	banking	banking	NOUN
easat-3515	4	17	sector	sector	NOUN
easat-3515	4	18	can	can	AUX
easat-3515	4	19	use	use	VERB
easat-3515	4	20	data	datum	NOUN
easat-3515	4	21	quality	quality	NOUN
easat-3515	4	22	analytics	analytic	NOUN
easat-3515	4	23	to	to	PART
easat-3515	4	24	improve	improve	VERB
easat-3515	4	25	the	the	DET
easat-3515	4	26	processing	processing	NOUN
easat-3515	4	27	of	of	ADP
easat-3515	4	28	applications	application	NOUN
easat-3515	4	29	for	for	ADP
easat-3515	4	30	loans	loan	NOUN
easat-3515	4	31	and	and	CCONJ
easat-3515	4	32	gain	gain	VERB
easat-3515	4	33	better	well	ADJ
easat-3515	4	34	insights	insight	NOUN
easat-3515	4	35	into	into	ADP
easat-3515	4	36	their	their	PRON
easat-3515	4	37	performance	performance	NOUN
easat-3515	4	38	.	.	PUNCT
easat-3515	5	1	we	we	PRON
easat-3515	5	2	use	use	VERB
easat-3515	5	3	sql	sql	NOUN
easat-3515	5	4	,	,	PUNCT
easat-3515	5	5	power	power	NOUN
easat-3515	5	6	bi	bi	NOUN
easat-3515	5	7	,	,	PUNCT
easat-3515	5	8	and	and	CCONJ
easat-3515	5	9	python	python	NOUN
easat-3515	5	10	to	to	PART
easat-3515	5	11	examine	examine	VERB
easat-3515	5	12	how	how	SCONJ
easat-3515	5	13	these	these	DET
easat-3515	5	14	decisions	decision	NOUN
easat-3515	5	15	can	can	AUX
easat-3515	5	16	be	be	AUX
easat-3515	5	17	improved	improve	VERB
easat-3515	5	18	,	,	PUNCT
easat-3515	5	19	how	how	SCONJ
easat-3515	5	20	customer	customer	NOUN
easat-3515	5	21	experiences	experience	NOUN
easat-3515	5	22	can	can	AUX
easat-3515	5	23	be	be	AUX
easat-3515	5	24	made	make	VERB
easat-3515	5	25	better	well	ADJ
easat-3515	5	26	and	and	CCONJ
easat-3515	5	27	more	more	ADV
easat-3515	5	28	compliant	compliant	ADJ
easat-3515	5	29	,	,	PUNCT
easat-3515	5	30	and	and	CCONJ
easat-3515	5	31	how	how	SCONJ
easat-3515	5	32	we	we	PRON
easat-3515	5	33	can	can	AUX
easat-3515	5	34	use	use	VERB
easat-3515	5	35	good	good	ADJ
easat-3515	5	36	data	datum	NOUN
easat-3515	5	37	analytics	analytic	NOUN
easat-3515	5	38	to	to	PART
easat-3515	5	39	ensure	ensure	VERB
easat-3515	5	40	that	that	SCONJ
easat-3515	5	41	proper	proper	ADJ
easat-3515	5	42	regulatory	regulatory	ADJ
easat-3515	5	43	guidelines	guideline	NOUN
easat-3515	5	44	are	be	AUX
easat-3515	5	45	followed	follow	VERB
easat-3515	5	46	.	.	PUNCT
easat-3515	6	1	to	to	PART
easat-3515	6	2	do	do	VERB
easat-3515	6	3	this	this	PRON
easat-3515	6	4	,	,	PUNCT
easat-3515	6	5	we	we	PRON
easat-3515	6	6	employ	employ	VERB
easat-3515	6	7	a	a	DET
easat-3515	6	8	quasi	quasi	ADJ
easat-3515	6	9	-	-	ADJ
easat-3515	6	10	mixed	mixed	ADJ
easat-3515	6	11	method	method	NOUN
easat-3515	6	12	that	that	PRON
easat-3515	6	13	solves	solve	VERB
easat-3515	6	14	the	the	DET
easat-3515	6	15	"	"	PUNCT
easat-3515	6	16	what	what	PRON
easat-3515	6	17	"	"	PUNCT
easat-3515	6	18	question	question	NOUN
easat-3515	6	19	with	with	ADP
easat-3515	6	20	descriptive	descriptive	ADJ
easat-3515	6	21	and	and	CCONJ
easat-3515	6	22	inferential	inferential	ADJ
easat-3515	6	23	statistics	statistic	NOUN
easat-3515	6	24	,	,	PUNCT
easat-3515	6	25	the	the	DET
easat-3515	6	26	"	"	PUNCT
easat-3515	6	27	how	how	SCONJ
easat-3515	6	28	"	"	PUNCT
easat-3515	6	29	question	question	NOUN
easat-3515	6	30	with	with	ADP
easat-3515	6	31	good	good	ADJ
easat-3515	6	32	data	data	NOUN
easat-3515	6	33	visualization	visualization	NOUN
easat-3515	6	34	,	,	PUNCT
easat-3515	6	35	and	and	CCONJ
easat-3515	6	36	the	the	DET
easat-3515	6	37	"	"	PUNCT
easat-3515	6	38	why	why	SCONJ
easat-3515	6	39	"	"	PUNCT
easat-3515	6	40	question	question	NOUN
easat-3515	6	41	using	use	VERB
easat-3515	6	42	advanced	advanced	ADJ
easat-3515	6	43	analytics	analytic	NOUN
easat-3515	6	44	.	.	PUNCT
easat-3515	7	1	the	the	DET
easat-3515	7	2	data	datum	NOUN
easat-3515	7	3	we	we	PRON
easat-3515	7	4	use	use	VERB
easat-3515	7	5	encompass	encompass	NOUN
easat-3515	7	6	over	over	ADP
easat-3515	7	7	300k	300k	PROPN
easat-3515	7	8	records	record	NOUN
easat-3515	7	9	of	of	ADP
easat-3515	7	10	loan	loan	NOUN
easat-3515	7	11	performance	performance	NOUN
easat-3515	7	12	and	and	CCONJ
easat-3515	7	13	over	over	ADP
easat-3515	7	14	150k	150k	NUM
easat-3515	7	15	entries	entry	NOUN
easat-3515	7	16	of	of	ADP
easat-3515	7	17	loan	loan	NOUN
easat-3515	7	18	applications	application	NOUN
easat-3515	7	19	from	from	ADP
easat-3515	7	20	the	the	DET
easat-3515	7	21	years	year	NOUN
easat-3515	7	22	2020–2022	2020–2022	NUM
easat-3515	7	23	.	.	PUNCT
easat-3515	7	24	data	datum	NOUN
easat-3515	7	25	cleaning	cleaning	NOUN
easat-3515	7	26	,	,	PUNCT
easat-3515	7	27	transformation	transformation	NOUN
easat-3515	7	28	,	,	PUNCT
easat-3515	7	29	analysis	analysis	NOUN
easat-3515	7	30	,	,	PUNCT
easat-3515	7	31	and	and	CCONJ
easat-3515	7	32	visualization	visualization	NOUN
easat-3515	7	33	are	be	AUX
easat-3515	7	34	done	do	VERB
easat-3515	7	35	using	use	VERB
easat-3515	7	36	sql	sql	PROPN
easat-3515	7	37	,	,	PUNCT
easat-3515	7	38	python	python	NOUN
easat-3515	7	39	,	,	PUNCT
easat-3515	7	40	and	and	CCONJ
easat-3515	7	41	power	power	NOUN
easat-3515	7	42	bi	bi	NOUN
easat-3515	7	43	to	to	PART
easat-3515	7	44	derive	derive	VERB
easat-3515	7	45	actionable	actionable	ADJ
easat-3515	7	46	insights	insight	NOUN
easat-3515	7	47	.	.	PUNCT
easat-3515	8	1	the	the	DET
easat-3515	8	2	analytics	analytic	NOUN
easat-3515	8	3	side	side	NOUN
easat-3515	8	4	of	of	ADP
easat-3515	8	5	data	datum	NOUN
easat-3515	8	6	quality	quality	NOUN
easat-3515	8	7	is	be	AUX
easat-3515	8	8	examined	examine	VERB
easat-3515	8	9	in	in	ADP
easat-3515	8	10	this	this	DET
easat-3515	8	11	study	study	NOUN
easat-3515	8	12	with	with	ADP
easat-3515	8	13	a	a	DET
easat-3515	8	14	view	view	NOUN
easat-3515	8	15	to	to	ADP
easat-3515	8	16	understanding	understand	VERB
easat-3515	8	17	its	its	PRON
easat-3515	8	18	impact	impact	NOUN
easat-3515	8	19	on	on	ADP
easat-3515	8	20	the	the	DET
easat-3515	8	21	loan	loan	NOUN
easat-3515	8	22	application	application	NOUN
easat-3515	8	23	process	process	NOUN
easat-3515	8	24	and	and	CCONJ
easat-3515	8	25	the	the	DET
easat-3515	8	26	performance	performance	NOUN
easat-3515	8	27	of	of	ADP
easat-3515	8	28	the	the	DET
easat-3515	8	29	business	business	NOUN
easat-3515	8	30	.	.	PUNCT
easat-3515	9	1	the	the	DET
easat-3515	9	2	analytics	analytic	NOUN
easat-3515	9	3	have	have	AUX
easat-3515	9	4	shown	show	VERB
easat-3515	9	5	that	that	SCONJ
easat-3515	9	6	the	the	DET
easat-3515	9	7	quality	quality	NOUN
easat-3515	9	8	of	of	ADP
easat-3515	9	9	data	datum	NOUN
easat-3515	9	10	and	and	CCONJ
easat-3515	9	11	the	the	DET
easat-3515	9	12	insight	insight	NOUN
easat-3515	9	13	which	which	PRON
easat-3515	9	14	can	can	AUX
easat-3515	9	15	be	be	AUX
easat-3515	9	16	gained	gain	VERB
easat-3515	9	17	from	from	ADP
easat-3515	9	18	it	it	PRON
easat-3515	9	19	has	have	VERB
easat-3515	9	20	a	a	DET
easat-3515	9	21	material	material	ADJ
easat-3515	9	22	effect	effect	NOUN
easat-3515	9	23	on	on	ADP
easat-3515	9	24	the	the	DET
easat-3515	9	25	aforementioned	aforementioned	ADJ
easat-3515	9	26	processes	process	NOUN
easat-3515	9	27	and	and	CCONJ
easat-3515	9	28	performance	performance	NOUN
easat-3515	9	29	.	.	PUNCT
easat-3515	10	1	the	the	DET
easat-3515	10	2	study	study	NOUN
easat-3515	10	3	shows	show	VERB
easat-3515	10	4	how	how	SCONJ
easat-3515	10	5	sophisticated	sophisticated	ADJ
easat-3515	10	6	analysis	analysis	NOUN
easat-3515	10	7	can	can	AUX
easat-3515	10	8	be	be	AUX
easat-3515	10	9	applied	apply	VERB
easat-3515	10	10	in	in	ADP
easat-3515	10	11	the	the	DET
easat-3515	10	12	actual	actual	ADJ
easat-3515	10	13	operations	operation	NOUN
easat-3515	10	14	of	of	ADP
easat-3515	10	15	a	a	DET
easat-3515	10	16	banking	banking	NOUN
easat-3515	10	17	institution	institution	NOUN
easat-3515	10	18	.	.	PUNCT
easat-3515	11	1	it	it	PRON
easat-3515	11	2	underscores	underscore	VERB
easat-3515	11	3	the	the	DET
easat-3515	11	4	value	value	NOUN
easat-3515	11	5	of	of	ADP
easat-3515	11	6	solid	solid	ADJ
easat-3515	11	7	customer	customer	NOUN
easat-3515	11	8	and	and	CCONJ
easat-3515	11	9	loan	loan	NOUN
easat-3515	11	10	data	datum	NOUN
easat-3515	11	11	for	for	ADP
easat-3515	11	12	making	make	VERB
easat-3515	11	13	high	high	ADJ
easat-3515	11	14	-	-	PUNCT
easat-3515	11	15	level	level	NOUN
easat-3515	11	16	decisions	decision	NOUN
easat-3515	11	17	within	within	ADP
easat-3515	11	18	the	the	DET
easat-3515	11	19	bank	bank	NOUN
easat-3515	11	20	.	.	PUNCT
easat-3515	12	1	keywords	keyword	NOUN
easat-3515	12	2	:	:	PUNCT
easat-3515	12	3	banking	banking	NOUN
easat-3515	12	4	,	,	PUNCT
easat-3515	12	5	customer	customer	NOUN
easat-3515	12	6	satisfaction	satisfaction	NOUN
easat-3515	12	7	,	,	PUNCT
easat-3515	12	8	data	datum	NOUN
easat-3515	12	9	analytics	analytic	NOUN
easat-3515	12	10	,	,	PUNCT
easat-3515	12	11	data	datum	NOUN
easat-3515	12	12	management	management	NOUN
easat-3515	12	13	,	,	PUNCT
easat-3515	12	14	data	datum	NOUN
easat-3515	12	15	quality	quality	NOUN
easat-3515	12	16	,	,	PUNCT
easat-3515	12	17	loan	loan	NOUN
easat-3515	12	18	application	application	NOUN
easat-3515	12	19	,	,	PUNCT
easat-3515	12	20	loan	loan	NOUN
easat-3515	12	21	performance	performance	NOUN
easat-3515	12	22	,	,	PUNCT
easat-3515	12	23	performance	performance	NOUN
easat-3515	12	24	analysis	analysis	NOUN
easat-3515	12	25	.	.	PUNCT
easat-3515	13	1	1	1	X
easat-3515	13	2	.	.	X
easat-3515	13	3	introduction	introduction	NOUN
easat-3515	13	4	in	in	ADP
easat-3515	13	5	the	the	DET
easat-3515	13	6	contemporary	contemporary	ADJ
easat-3515	13	7	landscape	landscape	NOUN
easat-3515	13	8	of	of	ADP
easat-3515	13	9	data	data	NOUN
easat-3515	13	10	-	-	PUNCT
easat-3515	13	11	driven	drive	VERB
easat-3515	13	12	banking	banking	NOUN
easat-3515	13	13	,	,	PUNCT
easat-3515	13	14	the	the	DET
easat-3515	13	15	integrity	integrity	NOUN
easat-3515	13	16	and	and	CCONJ
easat-3515	13	17	comprehensiveness	comprehensiveness	NOUN
easat-3515	13	18	of	of	ADP
easat-3515	13	19	customer	customer	NOUN
easat-3515	13	20	data	datum	NOUN
easat-3515	13	21	are	be	AUX
easat-3515	13	22	paramount	paramount	ADJ
easat-3515	13	23	for	for	ADP
easat-3515	13	24	effective	effective	ADJ
easat-3515	13	25	credit	credit	NOUN
easat-3515	13	26	rating	rating	NOUN
easat-3515	13	27	assessments	assessment	NOUN
easat-3515	13	28	and	and	CCONJ
easat-3515	13	29	the	the	DET
easat-3515	13	30	analysis	analysis	NOUN
easat-3515	13	31	of	of	ADP
easat-3515	13	32	loan	loan	NOUN
easat-3515	13	33	performance	performance	NOUN
easat-3515	13	34	[	[	X
easat-3515	13	35	1	1	NUM
easat-3515	13	36	]	]	PUNCT
easat-3515	13	37	.	.	PUNCT
easat-3515	14	1	the	the	DET
easat-3515	14	2	intensifying	intensify	VERB
easat-3515	14	3	competition	competition	NOUN
easat-3515	14	4	resulting	result	VERB
easat-3515	14	5	from	from	ADP
easat-3515	14	6	evolving	evolve	VERB
easat-3515	14	7	consumer	consumer	NOUN
easat-3515	14	8	preferences	preference	NOUN
easat-3515	14	9	and	and	CCONJ
easat-3515	14	10	the	the	DET
easat-3515	14	11	liberalization	liberalization	NOUN
easat-3515	14	12	of	of	ADP
easat-3515	14	13	the	the	DET
easat-3515	14	14	banking	banking	NOUN
easat-3515	14	15	sector	sector	NOUN
easat-3515	14	16	necessitates	necessitate	VERB
easat-3515	14	17	that	that	SCONJ
easat-3515	14	18	financial	financial	ADJ
easat-3515	14	19	institutions	institution	NOUN
easat-3515	14	20	adopt	adopt	VERB
easat-3515	14	21	data	data	NOUN
easat-3515	14	22	-	-	PUNCT
easat-3515	14	23	centric	centric	ADJ
easat-3515	14	24	strategies	strategy	NOUN
easat-3515	14	25	in	in	ADP
easat-3515	14	26	their	their	PRON
easat-3515	14	27	decision	decision	NOUN
easat-3515	14	28	-	-	PUNCT
easat-3515	14	29	making	make	VERB
easat-3515	14	30	processes	process	NOUN
easat-3515	14	31	[	[	X
easat-3515	14	32	2	2	NUM
easat-3515	14	33	]	]	PUNCT
easat-3515	14	34	.	.	PUNCT
easat-3515	15	1	this	this	DET
easat-3515	15	2	data	data	NOUN
easat-3515	15	3	-	-	PUNCT
easat-3515	15	4	driven	drive	VERB
easat-3515	15	5	management	management	NOUN
easat-3515	15	6	not	not	PART
easat-3515	15	7	only	only	ADV
easat-3515	15	8	facilitates	facilitate	VERB
easat-3515	15	9	the	the	DET
easat-3515	15	10	delivery	delivery	NOUN
easat-3515	15	11	of	of	ADP
easat-3515	15	12	personalized	personalized	ADJ
easat-3515	15	13	banking	banking	NOUN
easat-3515	15	14	solutions	solution	NOUN
easat-3515	15	15	,	,	PUNCT
easat-3515	15	16	thereby	thereby	ADV
easat-3515	15	17	enhancing	enhance	VERB
easat-3515	15	18	customer	customer	NOUN
easat-3515	15	19	experiences	experience	NOUN
easat-3515	15	20	but	but	CCONJ
easat-3515	15	21	also	also	ADV
easat-3515	15	22	assists	assist	VERB
easat-3515	15	23	in	in	ADP
easat-3515	15	24	meeting	meet	VERB
easat-3515	15	25	regulatory	regulatory	ADJ
easat-3515	15	26	requirements	requirement	NOUN
easat-3515	15	27	and	and	CCONJ
easat-3515	15	28	conducting	conduct	VERB
easat-3515	15	29	thorough	thorough	ADJ
easat-3515	15	30	internal	internal	ADJ
easat-3515	15	31	audits	audits	NOUN
easat-3515	15	32	[	[	X
easat-3515	15	33	3	3	NUM
easat-3515	15	34	]	]	PUNCT
easat-3515	15	35	.	.	PUNCT
easat-3515	16	1	high	high	ADJ
easat-3515	16	2	-	-	PUNCT
easat-3515	16	3	quality	quality	NOUN
easat-3515	16	4	customer	customer	NOUN
easat-3515	16	5	data	datum	NOUN
easat-3515	16	6	serves	serve	VERB
easat-3515	16	7	as	as	ADP
easat-3515	16	8	a	a	DET
easat-3515	16	9	foundational	foundational	ADJ
easat-3515	16	10	element	element	NOUN
easat-3515	16	11	for	for	ADP
easat-3515	16	12	deriving	derive	VERB
easat-3515	16	13	actionable	actionable	ADJ
easat-3515	16	14	insights	insight	NOUN
easat-3515	16	15	,	,	PUNCT
easat-3515	16	16	particularly	particularly	ADV
easat-3515	16	17	concerning	concern	VERB
easat-3515	16	18	the	the	DET
easat-3515	16	19	dynamics	dynamic	NOUN
easat-3515	16	20	of	of	ADP
easat-3515	16	21	consumer	consumer	NOUN
easat-3515	16	22	behavior	behavior	NOUN
easat-3515	16	23	concerning	concern	VERB
easat-3515	16	24	loan	loan	NOUN
easat-3515	16	25	applications	application	NOUN
easat-3515	16	26	and	and	CCONJ
easat-3515	16	27	repayment	repayment	NOUN
easat-3515	16	28	success	success	NOUN
easat-3515	16	29	[	[	X
easat-3515	16	30	6	6	NUM
easat-3515	16	31	]	]	PUNCT
easat-3515	16	32	.	.	PUNCT
easat-3515	17	1	by	by	ADP
easat-3515	17	2	analyzing	analyze	VERB
easat-3515	17	3	various	various	ADJ
easat-3515	17	4	dimensions	dimension	NOUN
easat-3515	17	5	such	such	ADJ
easat-3515	17	6	as	as	ADP
easat-3515	17	7	demographics	demographic	NOUN
easat-3515	17	8	,	,	PUNCT
easat-3515	17	9	transaction	transaction	NOUN
easat-3515	17	10	histories	history	NOUN
easat-3515	17	11	,	,	PUNCT
easat-3515	17	12	and	and	CCONJ
easat-3515	17	13	engagement	engagement	NOUN
easat-3515	17	14	patterns	pattern	NOUN
easat-3515	17	15	,	,	PUNCT
easat-3515	17	16	banks	bank	NOUN
easat-3515	17	17	can	can	AUX
easat-3515	17	18	identify	identify	VERB
easat-3515	17	19	emerging	emerge	VERB
easat-3515	17	20	trends	trend	NOUN
easat-3515	17	21	and	and	CCONJ
easat-3515	17	22	preferences	preference	NOUN
easat-3515	17	23	,	,	PUNCT
easat-3515	17	24	thus	thus	ADV
easat-3515	17	25	enabling	enable	VERB
easat-3515	17	26	the	the	DET
easat-3515	17	27	customization	customization	NOUN
easat-3515	17	28	of	of	ADP
easat-3515	17	29	their	their	PRON
easat-3515	17	30	loan	loan	NOUN
easat-3515	17	31	products	product	NOUN
easat-3515	17	32	and	and	CCONJ
easat-3515	17	33	services	service	NOUN
easat-3515	17	34	to	to	PART
easat-3515	17	35	align	align	VERB
easat-3515	17	36	with	with	ADP
easat-3515	17	37	the	the	DET
easat-3515	17	38	needs	need	NOUN
easat-3515	17	39	of	of	ADP
easat-3515	17	40	economically	economically	ADV
easat-3515	17	41	active	active	ADJ
easat-3515	17	42	clients	client	NOUN
easat-3515	17	43	[	[	X
easat-3515	17	44	4	4	NUM
easat-3515	17	45	]	]	PUNCT
easat-3515	17	46	.	.	PUNCT
easat-3515	18	1	the	the	DET
easat-3515	18	2	relationship	relationship	NOUN
easat-3515	18	3	between	between	ADP
easat-3515	18	4	personalization	personalization	NOUN
easat-3515	18	5	and	and	CCONJ
easat-3515	18	6	customer	customer	NOUN
easat-3515	18	7	expectations	expectation	NOUN
easat-3515	18	8	in	in	ADP
easat-3515	18	9	banking	banking	NOUN
easat-3515	18	10	has	have	AUX
easat-3515	18	11	become	become	AUX
easat-3515	18	12	increasingly	increasingly	ADV
easat-3515	18	13	pronounced	pronounce	VERB
easat-3515	18	14	,	,	PUNCT
easat-3515	18	15	with	with	ADP
easat-3515	18	16	clients	client	NOUN
easat-3515	18	17	demanding	demand	VERB
easat-3515	18	18	a	a	DET
easat-3515	18	19	tailored	tailored	ADJ
easat-3515	18	20	approach	approach	NOUN
easat-3515	18	21	in	in	ADP
easat-3515	18	22	their	their	PRON
easat-3515	18	23	interactions	interaction	NOUN
easat-3515	18	24	and	and	CCONJ
easat-3515	18	25	offerings	offering	NOUN
easat-3515	18	26	—	—	PUNCT
easat-3515	18	27	particularly	particularly	ADV
easat-3515	18	28	in	in	ADP
easat-3515	18	29	the	the	DET
easat-3515	18	30	context	context	NOUN
easat-3515	18	31	of	of	ADP
easat-3515	18	32	loans	loan	NOUN
easat-3515	18	33	[	[	X
easat-3515	18	34	5	5	NUM
easat-3515	18	35	]	]	PUNCT
easat-3515	18	36	.	.	PUNCT
easat-3515	19	1	banks	bank	NOUN
easat-3515	19	2	leveraging	leverage	VERB
easat-3515	19	3	data	datum	NOUN
easat-3515	19	4	quality	quality	NOUN
easat-3515	19	5	analytics	analytic	NOUN
easat-3515	19	6	can	can	AUX
easat-3515	19	7	precisely	precisely	ADV
easat-3515	19	8	segment	segment	VERB
easat-3515	19	9	their	their	PRON
easat-3515	19	10	markets	market	NOUN
easat-3515	19	11	,	,	PUNCT
easat-3515	19	12	discern	discern	ADJ
easat-3515	19	13	individual	individual	ADJ
easat-3515	19	14	preferences	preference	NOUN
easat-3515	19	15	,	,	PUNCT
easat-3515	19	16	and	and	CCONJ
easat-3515	19	17	anticipate	anticipate	VERB
easat-3515	19	18	future	future	ADJ
easat-3515	19	19	loan	loan	NOUN
easat-3515	19	20	requirements	requirement	NOUN
easat-3515	19	21	[	[	X
easat-3515	19	22	7	7	NUM
easat-3515	19	23	]	]	PUNCT
easat-3515	19	24	.	.	PUNCT
easat-3515	20	1	this	this	DET
easat-3515	20	2	capability	capability	NOUN
easat-3515	20	3	allows	allow	VERB
easat-3515	20	4	for	for	ADP
easat-3515	20	5	the	the	DET
easat-3515	20	6	formulation	formulation	NOUN
easat-3515	20	7	of	of	ADP
easat-3515	20	8	targeted	target	VERB
easat-3515	20	9	marketing	marketing	NOUN
easat-3515	20	10	campaigns	campaign	NOUN
easat-3515	20	11	,	,	PUNCT
easat-3515	20	12	the	the	DET
easat-3515	20	13	recommendation	recommendation	NOUN
easat-3515	20	14	of	of	ADP
easat-3515	20	15	bespoke	bespoke	NOUN
easat-3515	20	16	mailto:bshehu@fti.edu.al	mailto:bshehu@fti.edu.al	PROPN
easat-3515	20	17	7002	7002	NUM
easat-3515	20	18	edelweiss	edelweiss	PROPN
easat-3515	20	19	applied	apply	VERB
easat-3515	20	20	science	science	NOUN
easat-3515	20	21	and	and	CCONJ
easat-3515	20	22	technology	technology	NOUN
easat-3515	20	23	issn	issn	PROPN
easat-3515	20	24	:	:	PUNCT
easat-3515	20	25	2576	2576	NUM
easat-3515	20	26	-	-	SYM
easat-3515	20	27	8484	8484	NUM
easat-3515	20	28	vol	vol	NOUN
easat-3515	20	29	.	.	PROPN
easat-3515	20	30	8	8	NUM
easat-3515	20	31	,	,	PUNCT
easat-3515	20	32	no	no	INTJ
easat-3515	20	33	.	.	NOUN
easat-3515	21	1	6	6	NUM
easat-3515	21	2	:	:	SYM
easat-3515	21	3	7001	7001	NUM
easat-3515	21	4	-	-	SYM
easat-3515	21	5	7007	7007	NUM
easat-3515	21	6	,	,	PUNCT
easat-3515	21	7	2024	2024	NUM
easat-3515	21	8	doi	doi	NOUN
easat-3515	21	9	:	:	PUNCT
easat-3515	21	10	10.55214/25768484.v8i6.3515	10.55214/25768484.v8i6.3515	PROPN
easat-3515	21	11	©	©	PROPN
easat-3515	21	12	2024	2024	NUM
easat-3515	21	13	by	by	ADP
easat-3515	21	14	the	the	DET
easat-3515	21	15	authors	author	NOUN
easat-3515	21	16	;	;	PUNCT
easat-3515	21	17	licensee	licensee	PROPN
easat-3515	21	18	learning	learn	VERB
easat-3515	21	19	gate	gate	PROPN
easat-3515	21	20	loan	loan	NOUN
easat-3515	21	21	products	product	NOUN
easat-3515	21	22	,	,	PUNCT
easat-3515	21	23	and	and	CCONJ
easat-3515	21	24	the	the	DET
easat-3515	21	25	provision	provision	NOUN
easat-3515	21	26	of	of	ADP
easat-3515	21	27	enhanced	enhanced	ADJ
easat-3515	21	28	customer	customer	NOUN
easat-3515	21	29	support	support	NOUN
easat-3515	21	30	,	,	PUNCT
easat-3515	21	31	thereby	thereby	ADV
easat-3515	21	32	granting	grant	VERB
easat-3515	21	33	banks	bank	NOUN
easat-3515	21	34	a	a	DET
easat-3515	21	35	competitive	competitive	ADJ
easat-3515	21	36	advantage	advantage	NOUN
easat-3515	21	37	in	in	ADP
easat-3515	21	38	the	the	DET
easat-3515	21	39	dynamic	dynamic	ADJ
easat-3515	21	40	loan	loan	NOUN
easat-3515	21	41	market	market	NOUN
easat-3515	21	42	and	and	CCONJ
easat-3515	21	43	fostering	foster	VERB
easat-3515	21	44	customer	customer	NOUN
easat-3515	21	45	loyalty	loyalty	NOUN
easat-3515	21	46	[	[	X
easat-3515	21	47	8	8	NUM
easat-3515	21	48	]	]	PUNCT
easat-3515	21	49	.	.	PUNCT
easat-3515	22	1	in	in	ADP
easat-3515	22	2	an	an	DET
easat-3515	22	3	era	era	NOUN
easat-3515	22	4	characterized	characterize	VERB
easat-3515	22	5	by	by	ADP
easat-3515	22	6	an	an	DET
easat-3515	22	7	exponential	exponential	ADJ
easat-3515	22	8	increase	increase	NOUN
easat-3515	22	9	in	in	ADP
easat-3515	22	10	data	datum	NOUN
easat-3515	22	11	volume	volume	NOUN
easat-3515	22	12	,	,	PUNCT
easat-3515	22	13	ensuring	ensure	VERB
easat-3515	22	14	accuracy	accuracy	NOUN
easat-3515	22	15	and	and	CCONJ
easat-3515	22	16	reliability	reliability	NOUN
easat-3515	22	17	in	in	ADP
easat-3515	22	18	customer	customer	NOUN
easat-3515	22	19	data	datum	NOUN
easat-3515	22	20	is	be	AUX
easat-3515	22	21	critical	critical	ADJ
easat-3515	22	22	,	,	PUNCT
easat-3515	22	23	particularly	particularly	ADV
easat-3515	22	24	in	in	ADP
easat-3515	22	25	the	the	DET
easat-3515	22	26	context	context	NOUN
easat-3515	22	27	of	of	ADP
easat-3515	22	28	loan	loan	NOUN
easat-3515	22	29	-	-	PUNCT
easat-3515	22	30	related	relate	VERB
easat-3515	22	31	information	information	NOUN
easat-3515	22	32	.	.	PUNCT
easat-3515	23	1	missteps	misstep	NOUN
easat-3515	23	2	or	or	CCONJ
easat-3515	23	3	inaccuracies	inaccuracy	NOUN
easat-3515	23	4	can	can	AUX
easat-3515	23	5	lead	lead	VERB
easat-3515	23	6	to	to	ADP
easat-3515	23	7	detrimental	detrimental	ADJ
easat-3515	23	8	outcomes	outcome	NOUN
easat-3515	23	9	,	,	PUNCT
easat-3515	23	10	underscoring	underscore	VERB
easat-3515	23	11	the	the	DET
easat-3515	23	12	necessity	necessity	NOUN
easat-3515	23	13	for	for	SCONJ
easat-3515	23	14	financial	financial	ADJ
easat-3515	23	15	institutions	institution	NOUN
easat-3515	23	16	to	to	PART
easat-3515	23	17	prioritize	prioritize	VERB
easat-3515	23	18	data	data	NOUN
easat-3515	23	19	quality	quality	NOUN
easat-3515	23	20	analytics	analytic	NOUN
easat-3515	23	21	projects	project	NOUN
easat-3515	23	22	focused	focus	VERB
easat-3515	23	23	on	on	ADP
easat-3515	23	24	data	datum	NOUN
easat-3515	23	25	cleansing	cleansing	NOUN
easat-3515	23	26	,	,	PUNCT
easat-3515	23	27	standardization	standardization	NOUN
easat-3515	23	28	,	,	PUNCT
easat-3515	23	29	and	and	CCONJ
easat-3515	23	30	the	the	DET
easat-3515	23	31	maintenance	maintenance	NOUN
easat-3515	23	32	of	of	ADP
easat-3515	23	33	dataset	dataset	ADJ
easat-3515	23	34	integrity	integrity	NOUN
easat-3515	23	35	[	[	X
easat-3515	23	36	9	9	NUM
easat-3515	23	37	]	]	PUNCT
easat-3515	23	38	.	.	PUNCT
easat-3515	24	1	the	the	DET
easat-3515	24	2	advantages	advantage	NOUN
easat-3515	24	3	of	of	ADP
easat-3515	24	4	data	datum	NOUN
easat-3515	24	5	quality	quality	NOUN
easat-3515	24	6	analytics	analytic	NOUN
easat-3515	24	7	in	in	ADP
easat-3515	24	8	banking	banking	NOUN
easat-3515	24	9	extend	extend	NOUN
easat-3515	24	10	,	,	PUNCT
easat-3515	24	11	particularly	particularly	ADV
easat-3515	24	12	to	to	PART
easat-3515	24	13	loan	loan	VERB
easat-3515	24	14	application	application	NOUN
easat-3515	24	15	processing	processing	NOUN
easat-3515	24	16	and	and	CCONJ
easat-3515	24	17	performance	performance	NOUN
easat-3515	24	18	solutions	solution	NOUN
easat-3515	24	19	,	,	PUNCT
easat-3515	24	20	encompassing	encompass	VERB
easat-3515	24	21	facets	facet	NOUN
easat-3515	24	22	such	such	ADJ
easat-3515	24	23	as	as	ADP
easat-3515	24	24	efficient	efficient	ADJ
easat-3515	24	25	loan	loan	NOUN
easat-3515	24	26	origination	origination	NOUN
easat-3515	24	27	,	,	PUNCT
easat-3515	24	28	regulatory	regulatory	ADJ
easat-3515	24	29	compliance	compliance	NOUN
easat-3515	24	30	,	,	PUNCT
easat-3515	24	31	and	and	CCONJ
easat-3515	24	32	enhanced	enhanced	ADJ
easat-3515	24	33	cost	cost	NOUN
easat-3515	24	34	-	-	PUNCT
easat-3515	24	35	effectiveness	effectiveness	NOUN
easat-3515	24	36	[	[	X
easat-3515	24	37	10	10	NUM
easat-3515	24	38	]	]	PUNCT
easat-3515	24	39	.	.	PUNCT
easat-3515	25	1	the	the	DET
easat-3515	25	2	significance	significance	NOUN
easat-3515	25	3	of	of	ADP
easat-3515	25	4	high	high	ADJ
easat-3515	25	5	-	-	PUNCT
easat-3515	25	6	quality	quality	NOUN
easat-3515	25	7	client	client	NOUN
easat-3515	25	8	data	datum	NOUN
easat-3515	25	9	is	be	AUX
easat-3515	25	10	further	far	ADV
easat-3515	25	11	emphasized	emphasize	VERB
easat-3515	25	12	by	by	ADP
easat-3515	25	13	its	its	PRON
easat-3515	25	14	role	role	NOUN
easat-3515	25	15	in	in	ADP
easat-3515	25	16	delivering	deliver	VERB
easat-3515	25	17	credit	credit	NOUN
easat-3515	25	18	-	-	PUNCT
easat-3515	25	19	related	relate	VERB
easat-3515	25	20	benefits	benefit	NOUN
easat-3515	25	21	and	and	CCONJ
easat-3515	25	22	securing	secure	VERB
easat-3515	25	23	a	a	DET
easat-3515	25	24	competitive	competitive	ADJ
easat-3515	25	25	edge	edge	NOUN
easat-3515	25	26	in	in	ADP
easat-3515	25	27	the	the	DET
easat-3515	25	28	financial	financial	ADJ
easat-3515	25	29	services	service	NOUN
easat-3515	25	30	sector	sector	NOUN
easat-3515	25	31	.	.	PUNCT
easat-3515	26	1	consequently	consequently	ADV
easat-3515	26	2	,	,	PUNCT
easat-3515	26	3	advanced	advanced	ADJ
easat-3515	26	4	analytics	analytic	NOUN
easat-3515	26	5	techniques	technique	NOUN
easat-3515	26	6	and	and	CCONJ
easat-3515	26	7	robust	robust	ADJ
easat-3515	26	8	data	datum	NOUN
easat-3515	26	9	governance	governance	NOUN
easat-3515	26	10	policies	policy	NOUN
easat-3515	26	11	are	be	AUX
easat-3515	26	12	essential	essential	ADJ
easat-3515	26	13	for	for	ADP
easat-3515	26	14	banks	bank	NOUN
easat-3515	26	15	aiming	aim	VERB
easat-3515	26	16	to	to	PART
easat-3515	26	17	enhance	enhance	VERB
easat-3515	26	18	operational	operational	ADJ
easat-3515	26	19	efficiency	efficiency	NOUN
easat-3515	26	20	,	,	PUNCT
easat-3515	26	21	maintain	maintain	VERB
easat-3515	26	22	regulatory	regulatory	ADJ
easat-3515	26	23	compliance	compliance	NOUN
easat-3515	26	24	,	,	PUNCT
easat-3515	26	25	and	and	CCONJ
easat-3515	26	26	pursue	pursue	VERB
easat-3515	26	27	sustainable	sustainable	ADJ
easat-3515	26	28	growth	growth	NOUN
easat-3515	26	29	in	in	ADP
easat-3515	26	30	loan	loan	NOUN
easat-3515	26	31	services	service	NOUN
easat-3515	26	32	.	.	PUNCT
easat-3515	27	1	2	2	X
easat-3515	27	2	.	.	X
easat-3515	27	3	related	relate	VERB
easat-3515	27	4	work	work	NOUN
easat-3515	27	5	the	the	DET
easat-3515	27	6	research	research	NOUN
easat-3515	27	7	presented	present	VERB
easat-3515	27	8	in	in	ADP
easat-3515	27	9	article	article	NOUN
easat-3515	27	10	[	[	X
easat-3515	27	11	9	9	NUM
easat-3515	27	12	]	]	PUNCT
easat-3515	27	13	introduces	introduce	NOUN
easat-3515	27	14	the	the	DET
easat-3515	27	15	i	i	PROPN
easat-3515	27	16	-	-	PUNCT
easat-3515	27	17	bidaas	bidaas	NOUN
easat-3515	27	18	platform	platform	NOUN
easat-3515	27	19	,	,	PUNCT
easat-3515	27	20	which	which	PRON
easat-3515	27	21	provides	provide	VERB
easat-3515	27	22	an	an	DET
easat-3515	27	23	innovative	innovative	ADJ
easat-3515	27	24	and	and	CCONJ
easat-3515	27	25	user	user	NOUN
easat-3515	27	26	-	-	PUNCT
easat-3515	27	27	friendly	friendly	ADJ
easat-3515	27	28	solution	solution	NOUN
easat-3515	27	29	for	for	ADP
easat-3515	27	30	managing	manage	VERB
easat-3515	27	31	big	big	ADJ
easat-3515	27	32	data	datum	NOUN
easat-3515	27	33	analytics	analytic	NOUN
easat-3515	27	34	in	in	ADP
easat-3515	27	35	the	the	DET
easat-3515	27	36	banking	banking	NOUN
easat-3515	27	37	sector	sector	NOUN
easat-3515	27	38	,	,	PUNCT
easat-3515	27	39	allowing	allow	VERB
easat-3515	27	40	employees	employee	NOUN
easat-3515	27	41	without	without	ADP
easat-3515	27	42	extensive	extensive	ADJ
easat-3515	27	43	data	datum	NOUN
easat-3515	27	44	science	science	NOUN
easat-3515	27	45	expertise	expertise	NOUN
easat-3515	27	46	to	to	PART
easat-3515	27	47	engage	engage	VERB
easat-3515	27	48	in	in	ADP
easat-3515	27	49	meaningful	meaningful	ADJ
easat-3515	27	50	analytics	analytic	NOUN
easat-3515	27	51	.	.	PUNCT
easat-3515	28	1	this	this	DET
easat-3515	28	2	work	work	NOUN
easat-3515	28	3	addresses	address	VERB
easat-3515	28	4	the	the	DET
easat-3515	28	5	inherent	inherent	ADJ
easat-3515	28	6	tension	tension	NOUN
easat-3515	28	7	between	between	ADP
easat-3515	28	8	data	datum	NOUN
easat-3515	28	9	privacy	privacy	NOUN
easat-3515	28	10	regulations	regulation	NOUN
easat-3515	28	11	and	and	CCONJ
easat-3515	28	12	the	the	DET
easat-3515	28	13	necessity	necessity	NOUN
easat-3515	28	14	for	for	ADP
easat-3515	28	15	diverse	diverse	ADJ
easat-3515	28	16	data	datum	NOUN
easat-3515	28	17	utilization	utilization	NOUN
easat-3515	28	18	,	,	PUNCT
easat-3515	28	19	presenting	present	VERB
easat-3515	28	20	examples	example	NOUN
easat-3515	28	21	of	of	ADP
easat-3515	28	22	effective	effective	ADJ
easat-3515	28	23	cybersecurity	cybersecurity	NOUN
easat-3515	28	24	measures	measure	NOUN
easat-3515	28	25	and	and	CCONJ
easat-3515	28	26	customer	customer	NOUN
easat-3515	28	27	protection	protection	NOUN
easat-3515	28	28	strategies	strategy	NOUN
easat-3515	28	29	.	.	PUNCT
easat-3515	29	1	further	far	ADV
easat-3515	29	2	,	,	PUNCT
easat-3515	29	3	the	the	DET
easat-3515	29	4	findings	finding	NOUN
easat-3515	29	5	referenced	reference	VERB
easat-3515	29	6	in	in	ADP
easat-3515	29	7	[	[	X
easat-3515	29	8	10	10	NUM
easat-3515	29	9	]	]	PUNCT
easat-3515	29	10	utilize	utilize	VERB
easat-3515	29	11	actual	actual	ADJ
easat-3515	29	12	case	case	NOUN
easat-3515	29	13	studies	study	NOUN
easat-3515	29	14	from	from	ADP
easat-3515	29	15	the	the	DET
easat-3515	29	16	banking	banking	NOUN
easat-3515	29	17	sector	sector	NOUN
easat-3515	29	18	to	to	PART
easat-3515	29	19	elucidate	elucidate	VERB
easat-3515	29	20	the	the	DET
easat-3515	29	21	implementation	implementation	NOUN
easat-3515	29	22	of	of	ADP
easat-3515	29	23	big	big	ADJ
easat-3515	29	24	data	datum	NOUN
easat-3515	29	25	analytics	analytic	NOUN
easat-3515	29	26	in	in	ADP
easat-3515	29	27	marketing	marketing	NOUN
easat-3515	29	28	strategies	strategy	NOUN
easat-3515	29	29	.	.	PUNCT
easat-3515	30	1	this	this	DET
easat-3515	30	2	research	research	NOUN
easat-3515	30	3	identifies	identify	VERB
easat-3515	30	4	critical	critical	ADJ
easat-3515	30	5	non	non	ADJ
easat-3515	30	6	-	-	ADJ
easat-3515	30	7	technical	technical	ADJ
easat-3515	30	8	success	success	NOUN
easat-3515	30	9	factors	factor	NOUN
easat-3515	30	10	necessary	necessary	ADJ
easat-3515	30	11	for	for	ADP
easat-3515	30	12	the	the	DET
easat-3515	30	13	effective	effective	ADJ
easat-3515	30	14	adoption	adoption	NOUN
easat-3515	30	15	of	of	ADP
easat-3515	30	16	big	big	ADJ
easat-3515	30	17	data	datum	NOUN
easat-3515	30	18	,	,	PUNCT
easat-3515	30	19	including	include	VERB
easat-3515	30	20	the	the	DET
easat-3515	30	21	establishment	establishment	NOUN
easat-3515	30	22	of	of	ADP
easat-3515	30	23	deeper	deep	ADJ
easat-3515	30	24	analytics	analytic	NOUN
easat-3515	30	25	,	,	PUNCT
easat-3515	30	26	an	an	DET
easat-3515	30	27	appropriate	appropriate	ADJ
easat-3515	30	28	attribution	attribution	NOUN
easat-3515	30	29	baseline	baseline	NOUN
easat-3515	30	30	,	,	PUNCT
easat-3515	30	31	and	and	CCONJ
easat-3515	30	32	alignment	alignment	NOUN
easat-3515	30	33	of	of	ADP
easat-3515	30	34	organizational	organizational	ADJ
easat-3515	30	35	goals	goal	NOUN
easat-3515	30	36	.	.	PUNCT
easat-3515	31	1	the	the	DET
easat-3515	31	2	challenges	challenge	NOUN
easat-3515	31	3	associated	associate	VERB
easat-3515	31	4	with	with	ADP
easat-3515	31	5	managing	manage	VERB
easat-3515	31	6	large	large	ADJ
easat-3515	31	7	datasets	dataset	NOUN
easat-3515	31	8	are	be	AUX
easat-3515	31	9	acknowledged	acknowledge	VERB
easat-3515	31	10	,	,	PUNCT
easat-3515	31	11	with	with	ADP
easat-3515	31	12	an	an	DET
easat-3515	31	13	emphasis	emphasis	NOUN
easat-3515	31	14	on	on	ADP
easat-3515	31	15	the	the	DET
easat-3515	31	16	need	need	NOUN
easat-3515	31	17	for	for	ADP
easat-3515	31	18	results	result	NOUN
easat-3515	31	19	that	that	PRON
easat-3515	31	20	are	be	AUX
easat-3515	31	21	user	user	NOUN
easat-3515	31	22	-	-	PUNCT
easat-3515	31	23	friendly	friendly	ADJ
easat-3515	31	24	and	and	CCONJ
easat-3515	31	25	easily	easily	ADV
easat-3515	31	26	interpretable	interpretable	ADJ
easat-3515	31	27	.	.	PUNCT
easat-3515	32	1	the	the	DET
easat-3515	32	2	application	application	NOUN
easat-3515	32	3	of	of	ADP
easat-3515	32	4	dimension	dimension	NOUN
easat-3515	32	5	reduction	reduction	NOUN
easat-3515	32	6	techniques	technique	NOUN
easat-3515	32	7	is	be	AUX
easat-3515	32	8	deemed	deem	VERB
easat-3515	32	9	essential	essential	ADJ
easat-3515	32	10	for	for	ADP
easat-3515	32	11	facilitating	facilitate	VERB
easat-3515	32	12	practical	practical	ADJ
easat-3515	32	13	decision	decision	NOUN
easat-3515	32	14	-	-	PUNCT
easat-3515	32	15	support	support	NOUN
easat-3515	32	16	applications	application	NOUN
easat-3515	32	17	[	[	X
easat-3515	32	18	2	2	NUM
easat-3515	32	19	]	]	PUNCT
easat-3515	32	20	.	.	PUNCT
easat-3515	33	1	additionally	additionally	ADV
easat-3515	33	2	,	,	PUNCT
easat-3515	33	3	report	report	NOUN
easat-3515	33	4	[	[	X
easat-3515	33	5	1	1	NUM
easat-3515	33	6	]	]	PUNCT
easat-3515	33	7	highlights	highlight	NOUN
easat-3515	33	8	the	the	DET
easat-3515	33	9	oracle	oracle	PROPN
easat-3515	33	10	edq	edq	NOUN
easat-3515	33	11	platform	platform	NOUN
easat-3515	33	12	's	's	PART
easat-3515	33	13	efficacy	efficacy	NOUN
easat-3515	33	14	in	in	ADP
easat-3515	33	15	addressing	address	VERB
easat-3515	33	16	the	the	DET
easat-3515	33	17	challenges	challenge	NOUN
easat-3515	33	18	of	of	ADP
easat-3515	33	19	data	datum	NOUN
easat-3515	33	20	integration	integration	NOUN
easat-3515	33	21	and	and	CCONJ
easat-3515	33	22	transformation	transformation	NOUN
easat-3515	33	23	,	,	PUNCT
easat-3515	33	24	thereby	thereby	ADV
easat-3515	33	25	ensuring	ensure	VERB
easat-3515	33	26	an	an	DET
easat-3515	33	27	efficient	efficient	ADJ
easat-3515	33	28	analytical	analytical	ADJ
easat-3515	33	29	process	process	NOUN
easat-3515	33	30	.	.	PUNCT
easat-3515	34	1	this	this	DET
easat-3515	34	2	research	research	NOUN
easat-3515	34	3	underscores	underscore	VERB
easat-3515	34	4	the	the	DET
easat-3515	34	5	importance	importance	NOUN
easat-3515	34	6	of	of	ADP
easat-3515	34	7	data	datum	NOUN
easat-3515	34	8	cleaning	clean	VERB
easat-3515	34	9	and	and	CCONJ
easat-3515	34	10	preprocessing	preprocessing	NOUN
easat-3515	34	11	in	in	ADP
easat-3515	34	12	deriving	derive	VERB
easat-3515	34	13	insightful	insightful	ADJ
easat-3515	34	14	interpretations	interpretation	NOUN
easat-3515	34	15	from	from	ADP
easat-3515	34	16	customer	customer	NOUN
easat-3515	34	17	data	datum	NOUN
easat-3515	34	18	.	.	PUNCT
easat-3515	35	1	finally	finally	ADV
easat-3515	35	2	,	,	PUNCT
easat-3515	35	3	the	the	DET
easat-3515	35	4	study	study	NOUN
easat-3515	35	5	by	by	ADP
easat-3515	35	6	li	li	PROPN
easat-3515	35	7	and	and	CCONJ
easat-3515	35	8	beloglazov	beloglazov	NOUN
easat-3515	35	9	[	[	X
easat-3515	35	10	7	7	NUM
easat-3515	35	11	]	]	PUNCT
easat-3515	35	12	discusses	discuss	VERB
easat-3515	35	13	the	the	DET
easat-3515	35	14	application	application	NOUN
easat-3515	35	15	of	of	ADP
easat-3515	35	16	data	datum	NOUN
easat-3515	35	17	analytics	analytic	NOUN
easat-3515	35	18	in	in	ADP
easat-3515	35	19	smart	smart	ADJ
easat-3515	35	20	manufacturing	manufacturing	NOUN
easat-3515	35	21	,	,	PUNCT
easat-3515	35	22	identifying	identify	VERB
easat-3515	35	23	research	research	NOUN
easat-3515	35	24	gaps	gap	NOUN
easat-3515	35	25	in	in	ADP
easat-3515	35	26	data	datum	NOUN
easat-3515	35	27	quality	quality	NOUN
easat-3515	35	28	management	management	NOUN
easat-3515	35	29	and	and	CCONJ
easat-3515	35	30	statistical	statistical	ADJ
easat-3515	35	31	process	process	NOUN
easat-3515	35	32	control	control	NOUN
easat-3515	35	33	,	,	PUNCT
easat-3515	35	34	and	and	CCONJ
easat-3515	35	35	serving	serve	VERB
easat-3515	35	36	as	as	ADP
easat-3515	35	37	a	a	DET
easat-3515	35	38	foundation	foundation	NOUN
easat-3515	35	39	for	for	ADP
easat-3515	35	40	future	future	ADJ
easat-3515	35	41	academic	academic	ADJ
easat-3515	35	42	inquiry	inquiry	NOUN
easat-3515	35	43	into	into	ADP
easat-3515	35	44	big	big	ADJ
easat-3515	35	45	data	datum	NOUN
easat-3515	35	46	applications	application	NOUN
easat-3515	35	47	.	.	PUNCT
easat-3515	36	1	3	3	X
easat-3515	36	2	.	.	X
easat-3515	36	3	methodology	methodology	NOUN
easat-3515	36	4	the	the	DET
easat-3515	36	5	methodology	methodology	NOUN
easat-3515	36	6	framework	framework	NOUN
easat-3515	36	7	developed	develop	VERB
easat-3515	36	8	for	for	ADP
easat-3515	36	9	this	this	DET
easat-3515	36	10	study	study	NOUN
easat-3515	36	11	is	be	AUX
easat-3515	36	12	designed	design	VERB
easat-3515	36	13	to	to	PART
easat-3515	36	14	systematically	systematically	ADV
easat-3515	36	15	enrich	enrich	VERB
easat-3515	36	16	customer	customer	NOUN
easat-3515	36	17	data	datum	NOUN
easat-3515	36	18	for	for	ADP
easat-3515	36	19	loan	loan	NOUN
easat-3515	36	20	determination	determination	NOUN
easat-3515	36	21	and	and	CCONJ
easat-3515	36	22	performance	performance	NOUN
easat-3515	36	23	assessment	assessment	NOUN
easat-3515	36	24	within	within	ADP
easat-3515	36	25	the	the	DET
easat-3515	36	26	banking	banking	NOUN
easat-3515	36	27	sector	sector	NOUN
easat-3515	36	28	.	.	PUNCT
easat-3515	37	1	this	this	DET
easat-3515	37	2	framework	framework	NOUN
easat-3515	37	3	employs	employ	VERB
easat-3515	37	4	both	both	CCONJ
easat-3515	37	5	descriptive	descriptive	ADJ
easat-3515	37	6	and	and	CCONJ
easat-3515	37	7	inferential	inferential	ADJ
easat-3515	37	8	statistics	statistic	NOUN
easat-3515	37	9	to	to	PART
easat-3515	37	10	illustrate	illustrate	VERB
easat-3515	37	11	how	how	SCONJ
easat-3515	37	12	data	datum	NOUN
easat-3515	37	13	quality	quality	NOUN
easat-3515	37	14	analysis	analysis	NOUN
easat-3515	37	15	techniques	technique	NOUN
easat-3515	37	16	can	can	AUX
easat-3515	37	17	enhance	enhance	VERB
easat-3515	37	18	the	the	DET
easat-3515	37	19	customer	customer	NOUN
easat-3515	37	20	experience	experience	NOUN
easat-3515	37	21	concerning	concern	VERB
easat-3515	37	22	loan	loan	NOUN
easat-3515	37	23	-	-	PUNCT
easat-3515	37	24	relevant	relevant	ADJ
easat-3515	37	25	information	information	NOUN
easat-3515	37	26	.	.	PUNCT
easat-3515	38	1	the	the	DET
easat-3515	38	2	methodology	methodology	NOUN
easat-3515	38	3	commences	commence	VERB
easat-3515	38	4	with	with	ADP
easat-3515	38	5	a	a	DET
easat-3515	38	6	robust	robust	ADJ
easat-3515	38	7	application	application	NOUN
easat-3515	38	8	of	of	ADP
easat-3515	38	9	descriptive	descriptive	ADJ
easat-3515	38	10	statistics	statistic	NOUN
easat-3515	38	11	,	,	PUNCT
easat-3515	38	12	aimed	aim	VERB
easat-3515	38	13	at	at	ADP
easat-3515	38	14	analyzing	analyze	VERB
easat-3515	38	15	features	feature	NOUN
easat-3515	38	16	and	and	CCONJ
easat-3515	38	17	patterns	pattern	NOUN
easat-3515	38	18	within	within	ADP
easat-3515	38	19	borrower	borrower	NOUN
easat-3515	38	20	data	datum	NOUN
easat-3515	38	21	derived	derive	VERB
easat-3515	38	22	from	from	ADP
easat-3515	38	23	loan	loan	NOUN
easat-3515	38	24	applications	application	NOUN
easat-3515	38	25	and	and	CCONJ
easat-3515	38	26	their	their	PRON
easat-3515	38	27	respective	respective	ADJ
easat-3515	38	28	performance	performance	NOUN
easat-3515	38	29	.	.	PUNCT
easat-3515	39	1	various	various	ADJ
easat-3515	39	2	statistical	statistical	ADJ
easat-3515	39	3	measures	measure	NOUN
easat-3515	39	4	,	,	PUNCT
easat-3515	39	5	including	include	VERB
easat-3515	39	6	mean	mean	ADJ
easat-3515	39	7	,	,	PUNCT
easat-3515	39	8	median	median	ADJ
easat-3515	39	9	,	,	PUNCT
easat-3515	39	10	standard	standard	ADJ
easat-3515	39	11	deviation	deviation	NOUN
easat-3515	39	12	,	,	PUNCT
easat-3515	39	13	and	and	CCONJ
easat-3515	39	14	frequency	frequency	NOUN
easat-3515	39	15	distribution	distribution	NOUN
easat-3515	39	16	,	,	PUNCT
easat-3515	39	17	are	be	AUX
easat-3515	39	18	utilized	utilize	VERB
easat-3515	39	19	to	to	PART
easat-3515	39	20	profile	profile	VERB
easat-3515	39	21	the	the	DET
easat-3515	39	22	loan	loan	NOUN
easat-3515	39	23	-	-	PUNCT
easat-3515	39	24	related	relate	VERB
easat-3515	39	25	data	datum	NOUN
easat-3515	39	26	,	,	PUNCT
easat-3515	39	27	thereby	thereby	ADV
easat-3515	39	28	elucidating	elucidate	VERB
easat-3515	39	29	its	its	PRON
easat-3515	39	30	distribution	distribution	NOUN
easat-3515	39	31	and	and	CCONJ
easat-3515	39	32	variability	variability	NOUN
easat-3515	39	33	.	.	PUNCT
easat-3515	40	1	this	this	DET
easat-3515	40	2	process	process	NOUN
easat-3515	40	3	facilitates	facilitate	VERB
easat-3515	40	4	the	the	DET
easat-3515	40	5	identification	identification	NOUN
easat-3515	40	6	of	of	ADP
easat-3515	40	7	significant	significant	ADJ
easat-3515	40	8	patterns	pattern	NOUN
easat-3515	40	9	,	,	PUNCT
easat-3515	40	10	detection	detection	NOUN
easat-3515	40	11	of	of	ADP
easat-3515	40	12	masking	masking	NOUN
easat-3515	40	13	data	datum	NOUN
easat-3515	40	14	,	,	PUNCT
easat-3515	40	15	and	and	CCONJ
easat-3515	40	16	clarification	clarification	NOUN
easat-3515	40	17	of	of	ADP
easat-3515	40	18	the	the	DET
easat-3515	40	19	primary	primary	ADJ
easat-3515	40	20	characteristics	characteristic	NOUN
easat-3515	40	21	underlying	underlie	VERB
easat-3515	40	22	loan	loan	NOUN
easat-3515	40	23	processes	process	NOUN
easat-3515	40	24	.	.	PUNCT
easat-3515	41	1	following	follow	VERB
easat-3515	41	2	the	the	DET
easat-3515	41	3	application	application	NOUN
easat-3515	41	4	of	of	ADP
easat-3515	41	5	descriptive	descriptive	ADJ
easat-3515	41	6	statistics	statistic	NOUN
easat-3515	41	7	,	,	PUNCT
easat-3515	41	8	the	the	DET
easat-3515	41	9	methodology	methodology	NOUN
easat-3515	41	10	advances	advance	VERB
easat-3515	41	11	to	to	ADP
easat-3515	41	12	inferential	inferential	ADJ
easat-3515	41	13	statistics	statistic	NOUN
easat-3515	41	14	,	,	PUNCT
easat-3515	41	15	which	which	PRON
easat-3515	41	16	allows	allow	VERB
easat-3515	41	17	for	for	ADP
easat-3515	41	18	a	a	DET
easat-3515	41	19	deeper	deep	ADJ
easat-3515	41	20	exploration	exploration	NOUN
easat-3515	41	21	of	of	ADP
easat-3515	41	22	loan	loan	NOUN
easat-3515	41	23	-	-	PUNCT
easat-3515	41	24	related	relate	VERB
easat-3515	41	25	data	datum	NOUN
easat-3515	41	26	,	,	PUNCT
easat-3515	41	27	leading	lead	VERB
easat-3515	41	28	to	to	ADP
easat-3515	41	29	broader	broad	ADJ
easat-3515	41	30	theoretical	theoretical	ADJ
easat-3515	41	31	implications	implication	NOUN
easat-3515	41	32	that	that	PRON
easat-3515	41	33	inform	inform	VERB
easat-3515	41	34	business	business	NOUN
easat-3515	41	35	decisions	decision	NOUN
easat-3515	41	36	.	.	PUNCT
easat-3515	42	1	inferential	inferential	ADJ
easat-3515	42	2	statistics	statistic	NOUN
easat-3515	42	3	enable	enable	VERB
easat-3515	42	4	a	a	DET
easat-3515	42	5	comprehensive	comprehensive	ADJ
easat-3515	42	6	understanding	understanding	NOUN
easat-3515	42	7	of	of	ADP
easat-3515	42	8	the	the	DET
easat-3515	42	9	relationships	relationship	NOUN
easat-3515	42	10	among	among	ADP
easat-3515	42	11	variables	variable	NOUN
easat-3515	42	12	,	,	PUNCT
easat-3515	42	13	facilitating	facilitate	VERB
easat-3515	42	14	connections	connection	NOUN
easat-3515	42	15	with	with	ADP
easat-3515	42	16	relevant	relevant	ADJ
easat-3515	42	17	parameters	parameter	NOUN
easat-3515	42	18	.	.	PUNCT
easat-3515	43	1	techniques	technique	NOUN
easat-3515	43	2	such	such	ADJ
easat-3515	43	3	as	as	ADP
easat-3515	43	4	hypothesis	hypothesis	NOUN
easat-3515	43	5	testing	testing	NOUN
easat-3515	43	6	,	,	PUNCT
easat-3515	43	7	7003	7003	NUM
easat-3515	43	8	edelweiss	edelweiss	PROPN
easat-3515	43	9	applied	apply	VERB
easat-3515	43	10	science	science	NOUN
easat-3515	43	11	and	and	CCONJ
easat-3515	43	12	technology	technology	NOUN
easat-3515	43	13	issn	issn	PROPN
easat-3515	43	14	:	:	PUNCT
easat-3515	43	15	2576	2576	NUM
easat-3515	43	16	-	-	SYM
easat-3515	43	17	8484	8484	NUM
easat-3515	43	18	vol	vol	NOUN
easat-3515	43	19	.	.	PROPN
easat-3515	43	20	8	8	NUM
easat-3515	43	21	,	,	PUNCT
easat-3515	43	22	no	no	INTJ
easat-3515	43	23	.	.	NOUN
easat-3515	44	1	6	6	NUM
easat-3515	44	2	:	:	SYM
easat-3515	44	3	7001	7001	NUM
easat-3515	44	4	-	-	SYM
easat-3515	44	5	7007	7007	NUM
easat-3515	44	6	,	,	PUNCT
easat-3515	44	7	2024	2024	NUM
easat-3515	44	8	doi	doi	NOUN
easat-3515	44	9	:	:	PUNCT
easat-3515	44	10	10.55214/25768484.v8i6.3515	10.55214/25768484.v8i6.3515	PROPN
easat-3515	44	11	©	©	PROPN
easat-3515	44	12	2024	2024	NUM
easat-3515	44	13	by	by	ADP
easat-3515	44	14	the	the	DET
easat-3515	44	15	authors	author	NOUN
easat-3515	44	16	;	;	PUNCT
easat-3515	44	17	licensee	licensee	PROPN
easat-3515	44	18	learning	learn	VERB
easat-3515	44	19	gate	gate	NOUN
easat-3515	44	20	confidence	confidence	NOUN
easat-3515	44	21	intervals	interval	NOUN
easat-3515	44	22	,	,	PUNCT
easat-3515	44	23	and	and	CCONJ
easat-3515	44	24	regression	regression	VERB
easat-3515	44	25	analysis	analysis	NOUN
easat-3515	44	26	are	be	AUX
easat-3515	44	27	employed	employ	VERB
easat-3515	44	28	to	to	PART
easat-3515	44	29	reveal	reveal	VERB
easat-3515	44	30	perceived	perceive	VERB
easat-3515	44	31	relationships	relationship	NOUN
easat-3515	44	32	,	,	PUNCT
easat-3515	44	33	form	form	VERB
easat-3515	44	34	future	future	ADJ
easat-3515	44	35	projections	projection	NOUN
easat-3515	44	36	,	,	PUNCT
easat-3515	44	37	and	and	CCONJ
easat-3515	44	38	generate	generate	VERB
easat-3515	44	39	definitive	definitive	ADJ
easat-3515	44	40	interpretations	interpretation	NOUN
easat-3515	44	41	of	of	ADP
easat-3515	44	42	patterns	pattern	NOUN
easat-3515	44	43	observed	observe	VERB
easat-3515	44	44	in	in	ADP
easat-3515	44	45	loan	loan	NOUN
easat-3515	44	46	applications	application	NOUN
easat-3515	44	47	and	and	CCONJ
easat-3515	44	48	their	their	PRON
easat-3515	44	49	associated	associated	ADJ
easat-3515	44	50	metrics	metric	NOUN
easat-3515	44	51	.	.	PUNCT
easat-3515	45	1	through	through	ADP
easat-3515	45	2	rigorous	rigorous	ADJ
easat-3515	45	3	data	datum	NOUN
easat-3515	45	4	science	science	NOUN
easat-3515	45	5	analysis	analysis	NOUN
easat-3515	45	6	of	of	ADP
easat-3515	45	7	loan	loan	NOUN
easat-3515	45	8	-	-	PUNCT
easat-3515	45	9	related	relate	VERB
easat-3515	45	10	information	information	NOUN
easat-3515	45	11	,	,	PUNCT
easat-3515	45	12	the	the	DET
easat-3515	45	13	institution	institution	NOUN
easat-3515	45	14	ensures	ensure	VERB
easat-3515	45	15	both	both	PRON
easat-3515	45	16	quality	quality	NOUN
easat-3515	45	17	and	and	CCONJ
easat-3515	45	18	timeliness	timeliness	NOUN
easat-3515	45	19	by	by	ADP
easat-3515	45	20	implementing	implement	VERB
easat-3515	45	21	specialized	specialized	ADJ
easat-3515	45	22	analytical	analytical	ADJ
easat-3515	45	23	methods	method	NOUN
easat-3515	45	24	for	for	ADP
easat-3515	45	25	evaluating	evaluate	VERB
easat-3515	45	26	all	all	DET
easat-3515	45	27	loan	loan	NOUN
easat-3515	45	28	applications	application	NOUN
easat-3515	45	29	and	and	CCONJ
easat-3515	45	30	performance	performance	NOUN
easat-3515	45	31	insights	insight	NOUN
easat-3515	45	32	.	.	PUNCT
easat-3515	46	1	this	this	DET
easat-3515	46	2	approach	approach	NOUN
easat-3515	46	3	enhances	enhance	VERB
easat-3515	46	4	the	the	DET
easat-3515	46	5	accuracy	accuracy	NOUN
easat-3515	46	6	and	and	CCONJ
easat-3515	46	7	reliability	reliability	NOUN
easat-3515	46	8	of	of	ADP
easat-3515	46	9	creditworthiness	creditworthiness	NOUN
easat-3515	46	10	assessments	assessment	NOUN
easat-3515	46	11	,	,	PUNCT
easat-3515	46	12	thereby	thereby	ADV
easat-3515	46	13	improving	improve	VERB
easat-3515	46	14	the	the	DET
easat-3515	46	15	management	management	NOUN
easat-3515	46	16	of	of	ADP
easat-3515	46	17	consumer	consumer	NOUN
easat-3515	46	18	data	datum	NOUN
easat-3515	46	19	.	.	PUNCT
easat-3515	47	1	subsequently	subsequently	ADV
easat-3515	47	2	,	,	PUNCT
easat-3515	47	3	data	datum	NOUN
easat-3515	47	4	cleaning	cleaning	NOUN
easat-3515	47	5	methods	method	NOUN
easat-3515	47	6	are	be	AUX
easat-3515	47	7	applied	apply	VERB
easat-3515	47	8	to	to	PART
easat-3515	47	9	address	address	VERB
easat-3515	47	10	missing	missing	ADJ
easat-3515	47	11	values	value	NOUN
easat-3515	47	12	,	,	PUNCT
easat-3515	47	13	outliers	outlier	NOUN
easat-3515	47	14	,	,	PUNCT
easat-3515	47	15	and	and	CCONJ
easat-3515	47	16	inconsistencies	inconsistency	NOUN
easat-3515	47	17	,	,	PUNCT
easat-3515	47	18	which	which	PRON
easat-3515	47	19	are	be	AUX
easat-3515	47	20	essential	essential	ADJ
easat-3515	47	21	steps	step	NOUN
easat-3515	47	22	before	before	ADP
easat-3515	47	23	data	data	NOUN
easat-3515	47	24	standardization	standardization	NOUN
easat-3515	47	25	processes	process	NOUN
easat-3515	47	26	that	that	PRON
easat-3515	47	27	ensure	ensure	VERB
easat-3515	47	28	uniformity	uniformity	NOUN
easat-3515	47	29	and	and	CCONJ
easat-3515	47	30	consistency	consistency	NOUN
easat-3515	47	31	across	across	ADP
easat-3515	47	32	the	the	DET
easat-3515	47	33	dataset	dataset	NOUN
easat-3515	47	34	.	.	PUNCT
easat-3515	48	1	advanced	advanced	ADJ
easat-3515	48	2	analytical	analytical	ADJ
easat-3515	48	3	techniques	technique	NOUN
easat-3515	48	4	,	,	PUNCT
easat-3515	48	5	including	include	VERB
easat-3515	48	6	machine	machine	NOUN
easat-3515	48	7	learning	learning	NOUN
easat-3515	48	8	algorithms	algorithm	NOUN
easat-3515	48	9	,	,	PUNCT
easat-3515	48	10	are	be	AUX
easat-3515	48	11	also	also	ADV
easat-3515	48	12	employed	employ	VERB
easat-3515	48	13	to	to	PART
easat-3515	48	14	identify	identify	VERB
easat-3515	48	15	complex	complex	ADJ
easat-3515	48	16	relationships	relationship	NOUN
easat-3515	48	17	within	within	ADP
easat-3515	48	18	the	the	DET
easat-3515	48	19	data	datum	NOUN
easat-3515	48	20	and	and	CCONJ
easat-3515	48	21	enhance	enhance	VERB
easat-3515	48	22	loanrelated	loanrelate	VERB
easat-3515	48	23	procedures	procedure	NOUN
easat-3515	48	24	.	.	PUNCT
easat-3515	49	1	furthermore	furthermore	ADV
easat-3515	49	2	,	,	PUNCT
easat-3515	49	3	the	the	DET
easat-3515	49	4	methodology	methodology	NOUN
easat-3515	49	5	incorporates	incorporate	VERB
easat-3515	49	6	a	a	DET
easat-3515	49	7	stringent	stringent	ADJ
easat-3515	49	8	verification	verification	NOUN
easat-3515	49	9	process	process	NOUN
easat-3515	49	10	to	to	PART
easat-3515	49	11	ascertain	ascertain	VERB
easat-3515	49	12	the	the	DET
easat-3515	49	13	truthfulness	truthfulness	ADJ
easat-3515	49	14	and	and	CCONJ
easat-3515	49	15	accuracy	accuracy	NOUN
easat-3515	49	16	of	of	ADP
easat-3515	49	17	data	datum	NOUN
easat-3515	49	18	interpretations	interpretation	NOUN
easat-3515	49	19	.	.	PUNCT
easat-3515	50	1	external	external	ADJ
easat-3515	50	2	validation	validation	NOUN
easat-3515	50	3	procedures	procedure	NOUN
easat-3515	50	4	,	,	PUNCT
easat-3515	50	5	utilizing	utilize	VERB
easat-3515	50	6	crossvalidation	crossvalidation	NOUN
easat-3515	50	7	methods	method	NOUN
easat-3515	50	8	,	,	PUNCT
easat-3515	50	9	are	be	AUX
easat-3515	50	10	implemented	implement	VERB
easat-3515	50	11	to	to	PART
easat-3515	50	12	confirm	confirm	VERB
easat-3515	50	13	the	the	DET
easat-3515	50	14	model	model	NOUN
easat-3515	50	15	’s	’s	PART
easat-3515	50	16	stability	stability	NOUN
easat-3515	50	17	and	and	CCONJ
easat-3515	50	18	generalizability	generalizability	NOUN
easat-3515	50	19	.	.	PUNCT
easat-3515	51	1	regression	regression	NOUN
easat-3515	51	2	diagnostics	diagnostic	NOUN
easat-3515	51	3	,	,	PUNCT
easat-3515	51	4	such	such	ADJ
easat-3515	51	5	as	as	ADP
easat-3515	51	6	sensitivity	sensitivity	NOUN
easat-3515	51	7	analyses	analysis	NOUN
easat-3515	51	8	,	,	PUNCT
easat-3515	51	9	assess	assess	VERB
easat-3515	51	10	the	the	DET
easat-3515	51	11	robustness	robustness	NOUN
easat-3515	51	12	of	of	ADP
easat-3515	51	13	conclusions	conclusion	NOUN
easat-3515	51	14	drawn	draw	VERB
easat-3515	51	15	from	from	ADP
easat-3515	51	16	the	the	DET
easat-3515	51	17	model	model	NOUN
easat-3515	51	18	results	result	NOUN
easat-3515	51	19	.	.	PUNCT
easat-3515	52	1	this	this	DET
easat-3515	52	2	research	research	NOUN
easat-3515	52	3	process	process	NOUN
easat-3515	52	4	necessitates	necessitate	VERB
easat-3515	52	5	extensive	extensive	ADJ
easat-3515	52	6	collaboration	collaboration	NOUN
easat-3515	52	7	with	with	ADP
easat-3515	52	8	field	field	NOUN
easat-3515	52	9	experts	expert	NOUN
easat-3515	52	10	and	and	CCONJ
easat-3515	52	11	stakeholders	stakeholder	NOUN
easat-3515	52	12	within	within	ADP
easat-3515	52	13	the	the	DET
easat-3515	52	14	banking	banking	NOUN
easat-3515	52	15	sector	sector	NOUN
easat-3515	52	16	,	,	PUNCT
easat-3515	52	17	whose	whose	DET
easat-3515	52	18	feedback	feedback	NOUN
easat-3515	52	19	contributes	contribute	VERB
easat-3515	52	20	to	to	ADP
easat-3515	52	21	the	the	DET
easat-3515	52	22	refinement	refinement	NOUN
easat-3515	52	23	of	of	ADP
easat-3515	52	24	weighting	weighting	NOUN
easat-3515	52	25	models	model	NOUN
easat-3515	52	26	.	.	PUNCT
easat-3515	53	1	such	such	ADJ
easat-3515	53	2	collaboration	collaboration	NOUN
easat-3515	53	3	aids	aids	NOUN
easat-3515	53	4	practitioners	practitioner	NOUN
easat-3515	53	5	in	in	ADP
easat-3515	53	6	focusing	focus	VERB
easat-3515	53	7	on	on	ADP
easat-3515	53	8	pertinent	pertinent	ADJ
easat-3515	53	9	decision	decision	NOUN
easat-3515	53	10	-	-	PUNCT
easat-3515	53	11	making	make	VERB
easat-3515	53	12	processes	process	NOUN
easat-3515	53	13	related	relate	VERB
easat-3515	53	14	to	to	PART
easat-3515	53	15	default	default	VERB
easat-3515	53	16	risk	risk	NOUN
easat-3515	53	17	and	and	CCONJ
easat-3515	53	18	credit	credit	NOUN
easat-3515	53	19	scoring	scoring	NOUN
easat-3515	53	20	,	,	PUNCT
easat-3515	53	21	ultimately	ultimately	ADV
easat-3515	53	22	enhancing	enhance	VERB
easat-3515	53	23	the	the	DET
easat-3515	53	24	effectiveness	effectiveness	NOUN
easat-3515	53	25	and	and	CCONJ
easat-3515	53	26	applicability	applicability	NOUN
easat-3515	53	27	of	of	ADP
easat-3515	53	28	the	the	DET
easat-3515	53	29	findings	finding	NOUN
easat-3515	53	30	.	.	PUNCT
easat-3515	54	1	4	4	X
easat-3515	54	2	.	.	NOUN
easat-3515	54	3	results	result	NOUN
easat-3515	54	4	and	and	CCONJ
easat-3515	54	5	discussions	discussion	NOUN
easat-3515	54	6	the	the	DET
easat-3515	54	7	analysis	analysis	NOUN
easat-3515	54	8	conducted	conduct	VERB
easat-3515	54	9	in	in	ADP
easat-3515	54	10	this	this	DET
easat-3515	54	11	study	study	NOUN
easat-3515	54	12	delved	delve	VERB
easat-3515	54	13	into	into	ADP
easat-3515	54	14	the	the	DET
easat-3515	54	15	intricate	intricate	ADJ
easat-3515	54	16	realm	realm	NOUN
easat-3515	54	17	of	of	ADP
easat-3515	54	18	data	datum	NOUN
easat-3515	54	19	quality	quality	NOUN
easat-3515	54	20	analytics	analytic	NOUN
easat-3515	54	21	within	within	ADP
easat-3515	54	22	an	an	DET
easat-3515	54	23	albanian	albanian	ADJ
easat-3515	54	24	bank	bank	NOUN
easat-3515	54	25	,	,	PUNCT
easat-3515	54	26	specifically	specifically	ADV
easat-3515	54	27	focusing	focus	VERB
easat-3515	54	28	on	on	ADP
easat-3515	54	29	loan	loan	NOUN
easat-3515	54	30	application	application	NOUN
easat-3515	54	31	and	and	CCONJ
easat-3515	54	32	performance	performance	NOUN
easat-3515	54	33	insights	insight	NOUN
easat-3515	54	34	.	.	PUNCT
easat-3515	55	1	through	through	ADP
easat-3515	55	2	meticulous	meticulous	ADJ
easat-3515	55	3	examination	examination	NOUN
easat-3515	55	4	grounded	ground	VERB
easat-3515	55	5	in	in	ADP
easat-3515	55	6	descriptive	descriptive	ADJ
easat-3515	55	7	and	and	CCONJ
easat-3515	55	8	inferential	inferential	ADJ
easat-3515	55	9	statistics	statistic	NOUN
easat-3515	55	10	,	,	PUNCT
easat-3515	55	11	the	the	DET
easat-3515	55	12	study	study	NOUN
easat-3515	55	13	aimed	aim	VERB
easat-3515	55	14	to	to	PART
easat-3515	55	15	refine	refine	VERB
easat-3515	55	16	customer	customer	NOUN
easat-3515	55	17	data	datum	NOUN
easat-3515	55	18	to	to	PART
easat-3515	55	19	extract	extract	VERB
easat-3515	55	20	actionable	actionable	ADJ
easat-3515	55	21	insights	insight	NOUN
easat-3515	55	22	crucial	crucial	ADJ
easat-3515	55	23	for	for	ADP
easat-3515	55	24	strategic	strategic	ADJ
easat-3515	55	25	decision	decision	NOUN
easat-3515	55	26	-	-	PUNCT
easat-3515	55	27	making	making	NOUN
easat-3515	55	28	.	.	PUNCT
easat-3515	56	1	the	the	DET
easat-3515	56	2	data	datum	NOUN
easat-3515	56	3	that	that	PRON
easat-3515	56	4	has	have	AUX
easat-3515	56	5	been	be	AUX
easat-3515	56	6	observed	observe	VERB
easat-3515	56	7	during	during	ADP
easat-3515	56	8	the	the	DET
easat-3515	56	9	period	period	NOUN
easat-3515	56	10	2020	2020	NUM
easat-3515	56	11	2022	2022	NUM
easat-3515	56	12	.	.	PUNCT
easat-3515	57	1	we	we	PRON
easat-3515	57	2	have	have	AUX
easat-3515	57	3	taken	take	VERB
easat-3515	57	4	into	into	ADP
easat-3515	57	5	consideration	consideration	NOUN
easat-3515	57	6	the	the	DET
easat-3515	57	7	customer	customer	NOUN
easat-3515	57	8	data	data	VERB
easat-3515	57	9	100k	100k	PROPN
easat-3515	57	10	,	,	PUNCT
easat-3515	57	11	the	the	DET
easat-3515	57	12	loan	loan	NOUN
easat-3515	57	13	application	application	NOUN
easat-3515	57	14	data	datum	NOUN
easat-3515	57	15	150k	150k	NUM
easat-3515	57	16	,	,	PUNCT
easat-3515	57	17	and	and	CCONJ
easat-3515	57	18	the	the	DET
easat-3515	57	19	loan	loan	NOUN
easat-3515	57	20	performance	performance	NOUN
easat-3515	57	21	aggregated	aggregate	VERB
easat-3515	57	22	files	file	NOUN
easat-3515	57	23	300k	300k	PROPN
easat-3515	57	24	.	.	PUNCT
easat-3515	58	1	to	to	PART
easat-3515	58	2	undertake	undertake	VERB
easat-3515	58	3	data	datum	NOUN
easat-3515	58	4	analytics	analytic	NOUN
easat-3515	58	5	,	,	PUNCT
easat-3515	58	6	we	we	PRON
easat-3515	58	7	employ	employ	VERB
easat-3515	58	8	sql	sql	PROPN
easat-3515	58	9	,	,	PUNCT
easat-3515	58	10	python	python	NOUN
easat-3515	58	11	,	,	PUNCT
easat-3515	58	12	and	and	CCONJ
easat-3515	58	13	power	power	NOUN
easat-3515	58	14	bi	bi	PROPN
easat-3515	58	15	,	,	PUNCT
easat-3515	58	16	following	follow	VERB
easat-3515	58	17	these	these	DET
easat-3515	58	18	steps	step	NOUN
easat-3515	58	19	:	:	PUNCT
easat-3515	58	20	a	a	X
easat-3515	58	21	)	)	PUNCT
easat-3515	58	22	data	datum	NOUN
easat-3515	58	23	import	import	NOUN
easat-3515	58	24	and	and	CCONJ
easat-3515	58	25	preparation	preparation	NOUN
easat-3515	58	26	:	:	PUNCT
easat-3515	58	27	we	we	PRON
easat-3515	58	28	get	get	VERB
easat-3515	58	29	customer	customer	NOUN
easat-3515	58	30	data	datum	NOUN
easat-3515	58	31	,	,	PUNCT
easat-3515	58	32	loan	loan	NOUN
easat-3515	58	33	application	application	NOUN
easat-3515	58	34	data	datum	NOUN
easat-3515	58	35	,	,	PUNCT
easat-3515	58	36	and	and	CCONJ
easat-3515	58	37	loan	loan	NOUN
easat-3515	58	38	performance	performance	NOUN
easat-3515	58	39	data	datum	NOUN
easat-3515	58	40	from	from	ADP
easat-3515	58	41	the	the	DET
easat-3515	58	42	database	database	NOUN
easat-3515	58	43	to	to	ADP
easat-3515	58	44	our	our	PRON
easat-3515	58	45	sql	sql	NOUN
easat-3515	58	46	database	database	NOUN
easat-3515	58	47	.	.	PUNCT
easat-3515	59	1	through	through	ADP
easat-3515	59	2	snd	snd	PROPN
easat-3515	59	3	queries	query	NOUN
easat-3515	59	4	,	,	PUNCT
easat-3515	59	5	we	we	PRON
easat-3515	59	6	create	create	VERB
easat-3515	59	7	and	and	CCONJ
easat-3515	59	8	process	process	VERB
easat-3515	59	9	data	datum	NOUN
easat-3515	59	10	to	to	PART
easat-3515	59	11	eliminate	eliminate	VERB
easat-3515	59	12	null	null	ADJ
easat-3515	59	13	values	value	NOUN
easat-3515	59	14	,	,	PUNCT
easat-3515	59	15	outliers	outlier	NOUN
easat-3515	59	16	,	,	PUNCT
easat-3515	59	17	and	and	CCONJ
easat-3515	59	18	abnormal	abnormal	ADJ
easat-3515	59	19	data	datum	NOUN
easat-3515	59	20	.	.	PUNCT
easat-3515	60	1	b	b	X
easat-3515	60	2	)	)	PUNCT
easat-3515	60	3	data	datum	NOUN
easat-3515	60	4	analysis	analysis	NOUN
easat-3515	60	5	with	with	ADP
easat-3515	60	6	sql	sql	PROPN
easat-3515	60	7	:	:	PUNCT
easat-3515	60	8	the	the	DET
easat-3515	60	9	first	first	ADJ
easat-3515	60	10	step	step	NOUN
easat-3515	60	11	we	we	PRON
easat-3515	60	12	take	take	VERB
easat-3515	60	13	is	be	AUX
easat-3515	60	14	writing	write	VERB
easat-3515	60	15	sql	sql	NOUN
easat-3515	60	16	queries	query	NOUN
easat-3515	60	17	that	that	PRON
easat-3515	60	18	allow	allow	VERB
easat-3515	60	19	us	we	PRON
easat-3515	60	20	to	to	PART
easat-3515	60	21	conduct	conduct	VERB
easat-3515	60	22	descriptive	descriptive	ADJ
easat-3515	60	23	statistics	statistic	NOUN
easat-3515	60	24	analysis	analysis	NOUN
easat-3515	60	25	(	(	PUNCT
easat-3515	60	26	eda	eda	X
easat-3515	60	27	)	)	PUNCT
easat-3515	60	28	on	on	ADP
easat-3515	60	29	each	each	DET
easat-3515	60	30	data	datum	NOUN
easat-3515	60	31	set	set	VERB
easat-3515	60	32	separately	separately	ADV
easat-3515	60	33	during	during	ADP
easat-3515	60	34	our	our	PRON
easat-3515	60	35	integration	integration	NOUN
easat-3515	60	36	phase	phase	NOUN
easat-3515	60	37	.	.	PUNCT
easat-3515	61	1	we	we	PRON
easat-3515	61	2	compute	compute	VERB
easat-3515	61	3	mean	mean	VERB
easat-3515	61	4	,	,	PUNCT
easat-3515	61	5	median	median	ADJ
easat-3515	61	6	,	,	PUNCT
easat-3515	61	7	mode	mode	NOUN
easat-3515	61	8	,	,	PUNCT
easat-3515	61	9	and	and	CCONJ
easat-3515	61	10	standard	standard	ADJ
easat-3515	61	11	deviation	deviation	NOUN
easat-3515	61	12	values	value	NOUN
easat-3515	61	13	from	from	ADP
easat-3515	61	14	numerical	numerical	ADJ
easat-3515	61	15	variables	variable	NOUN
easat-3515	61	16	and	and	CCONJ
easat-3515	61	17	present	present	VERB
easat-3515	61	18	the	the	DET
easat-3515	61	19	descriptive	descriptive	ADJ
easat-3515	61	20	statistics	statistic	NOUN
easat-3515	61	21	for	for	ADP
easat-3515	61	22	our	our	PRON
easat-3515	61	23	data	datum	NOUN
easat-3515	61	24	.	.	PUNCT
easat-3515	62	1	besides	besides	SCONJ
easat-3515	62	2	we	we	PRON
easat-3515	62	3	perform	perform	VERB
easat-3515	62	4	inferences	inference	NOUN
easat-3515	62	5	statistics	statistic	NOUN
easat-3515	62	6	as	as	ADP
easat-3515	62	7	,	,	PUNCT
easat-3515	62	8	for	for	ADP
easat-3515	62	9	instance	instance	NOUN
easat-3515	62	10	,	,	PUNCT
easat-3515	62	11	hypothesis	hypothesis	NOUN
easat-3515	62	12	testing	testing	NOUN
easat-3515	62	13	or	or	CCONJ
easat-3515	62	14	correlation	correlation	NOUN
easat-3515	62	15	analysis	analysis	NOUN
easat-3515	62	16	,	,	PUNCT
easat-3515	62	17	which	which	PRON
easat-3515	62	18	are	be	AUX
easat-3515	62	19	aimed	aim	VERB
easat-3515	62	20	at	at	ADP
easat-3515	62	21	discovering	discover	VERB
easat-3515	62	22	the	the	DET
easat-3515	62	23	correlations	correlation	NOUN
easat-3515	62	24	between	between	ADP
easat-3515	62	25	factors	factor	NOUN
easat-3515	62	26	.	.	PUNCT
easat-3515	63	1	c	c	X
easat-3515	63	2	)	)	PUNCT
easat-3515	63	3	data	datum	NOUN
easat-3515	63	4	integration	integration	NOUN
easat-3515	63	5	and	and	CCONJ
easat-3515	63	6	feature	feature	NOUN
easat-3515	63	7	engineering	engineering	NOUN
easat-3515	63	8	:	:	PUNCT
easat-3515	63	9	customer	customer	NOUN
easat-3515	63	10	data	datum	NOUN
easat-3515	63	11	and	and	CCONJ
easat-3515	63	12	loan	loan	NOUN
easat-3515	63	13	application	application	NOUN
easat-3515	63	14	data	datum	NOUN
easat-3515	63	15	are	be	AUX
easat-3515	63	16	combined	combine	VERB
easat-3515	63	17	by	by	ADP
easat-3515	63	18	joining	join	VERB
easat-3515	63	19	them	they	PRON
easat-3515	63	20	by	by	ADP
easat-3515	63	21	sql	sql	NOUN
easat-3515	63	22	join	join	NOUN
easat-3515	63	23	method	method	NOUN
easat-3515	63	24	or	or	CCONJ
easat-3515	63	25	merge	merge	VERB
easat-3515	63	26	operations	operation	NOUN
easat-3515	63	27	,	,	PUNCT
easat-3515	63	28	subsequently	subsequently	ADV
easat-3515	63	29	followed	follow	VERB
easat-3515	63	30	by	by	ADP
easat-3515	63	31	performance	performance	NOUN
easat-3515	63	32	of	of	ADP
easat-3515	63	33	customer	customer	NOUN
easat-3515	63	34	loan	loan	NOUN
easat-3515	63	35	data	datum	NOUN
easat-3515	63	36	.	.	PUNCT
easat-3515	64	1	we	we	PRON
easat-3515	64	2	perform	perform	VERB
easat-3515	64	3	feature	feature	NOUN
easat-3515	64	4	engineering	engineering	NOUN
easat-3515	64	5	termed	term	VERB
easat-3515	64	6	as	as	ADP
easat-3515	64	7	the	the	DET
easat-3515	64	8	creation	creation	NOUN
easat-3515	64	9	of	of	ADP
easat-3515	64	10	new	new	ADJ
easat-3515	64	11	variables	variable	NOUN
easat-3515	64	12	or	or	CCONJ
easat-3515	64	13	the	the	DET
easat-3515	64	14	transformation	transformation	NOUN
easat-3515	64	15	of	of	ADP
easat-3515	64	16	the	the	DET
easat-3515	64	17	given	give	VERB
easat-3515	64	18	integrated	integrate	VERB
easat-3515	64	19	dataset	dataset	NOUN
easat-3515	64	20	into	into	ADP
easat-3515	64	21	meaningful	meaningful	ADJ
easat-3515	64	22	insights	insight	NOUN
easat-3515	64	23	.	.	PUNCT
easat-3515	65	1	d	d	X
easat-3515	65	2	)	)	PUNCT
easat-3515	65	3	data	data	NOUN
easat-3515	65	4	analytics	analytic	NOUN
easat-3515	65	5	with	with	ADP
easat-3515	65	6	python	python	PROPN
easat-3515	65	7	:	:	PUNCT
easat-3515	65	8	we	we	PRON
easat-3515	65	9	rely	rely	VERB
easat-3515	65	10	on	on	ADP
easat-3515	65	11	the	the	DET
easat-3515	65	12	use	use	NOUN
easat-3515	65	13	of	of	ADP
easat-3515	65	14	built	build	VERB
easat-3515	65	15	-	-	PUNCT
easat-3515	65	16	in	in	ADP
easat-3515	65	17	python	python	NOUN
easat-3515	65	18	libraries	library	NOUN
easat-3515	65	19	pandas	panda	NOUN
easat-3515	65	20	and	and	CCONJ
easat-3515	65	21	numpy	numpy	NOUN
easat-3515	65	22	for	for	ADP
easat-3515	65	23	deep	deep	ADJ
easat-3515	65	24	data	datum	NOUN
easat-3515	65	25	analyses	analysis	NOUN
easat-3515	65	26	and	and	CCONJ
easat-3515	65	27	modeling	modeling	NOUN
easat-3515	65	28	.	.	PUNCT
easat-3515	66	1	we	we	PRON
easat-3515	66	2	use	use	VERB
easat-3515	66	3	highly	highly	ADV
easat-3515	66	4	advanced	advanced	ADJ
easat-3515	66	5	analytics	analytic	NOUN
easat-3515	66	6	capabilities	capability	NOUN
easat-3515	66	7	,	,	PUNCT
easat-3515	66	8	such	such	ADJ
easat-3515	66	9	as	as	ADP
easat-3515	66	10	predictive	predictive	ADJ
easat-3515	66	11	modeling	modeling	NOUN
easat-3515	66	12	and	and	CCONJ
easat-3515	66	13	clustering	clustering	ADJ
easat-3515	66	14	analysis	analysis	NOUN
easat-3515	66	15	,	,	PUNCT
easat-3515	66	16	which	which	PRON
easat-3515	66	17	help	help	VERB
easat-3515	66	18	us	we	PRON
easat-3515	66	19	to	to	PART
easat-3515	66	20	understand	understand	VERB
easat-3515	66	21	better	well	ADJ
easat-3515	66	22	loan	loan	NOUN
easat-3515	66	23	application	application	NOUN
easat-3515	66	24	information	information	NOUN
easat-3515	66	25	and	and	CCONJ
easat-3515	66	26	performance	performance	NOUN
easat-3515	66	27	.	.	PUNCT
easat-3515	67	1	e	e	X
easat-3515	67	2	)	)	PUNCT
easat-3515	67	3	integration	integration	NOUN
easat-3515	67	4	with	with	ADP
easat-3515	67	5	power	power	NOUN
easat-3515	67	6	bi	bi	PROPN
easat-3515	67	7	:	:	PUNCT
easat-3515	67	8	the	the	DET
easat-3515	67	9	data	datum	NOUN
easat-3515	67	10	we	we	PRON
easat-3515	67	11	download	download	VERB
easat-3515	67	12	is	be	AUX
easat-3515	67	13	in	in	ADP
easat-3515	67	14	the	the	DET
easat-3515	67	15	clean	clean	ADJ
easat-3515	67	16	and	and	CCONJ
easat-3515	67	17	analyzed	analyze	VERB
easat-3515	67	18	form	form	NOUN
easat-3515	67	19	,	,	PUNCT
easat-3515	67	20	so	so	SCONJ
easat-3515	67	21	we	we	PRON
easat-3515	67	22	directly	directly	ADV
easat-3515	67	23	bring	bring	VERB
easat-3515	67	24	it	it	PRON
easat-3515	67	25	to	to	ADP
easat-3515	67	26	the	the	DET
easat-3515	67	27	power	power	NOUN
easat-3515	67	28	bi	bi	ADJ
easat-3515	67	29	desktop	desktop	NOUN
easat-3515	67	30	for	for	ADP
easat-3515	67	31	analysis	analysis	NOUN
easat-3515	67	32	.	.	PUNCT
easat-3515	68	1	through	through	ADP
easat-3515	68	2	power	power	NOUN
easat-3515	68	3	bi	bi	PROPN
easat-3515	68	4	's	's	PART
easat-3515	68	5	sql	sql	PROPN
easat-3515	68	6	server	server	NOUN
easat-3515	68	7	connector	connector	NOUN
easat-3515	68	8	,	,	PUNCT
easat-3515	68	9	we	we	PRON
easat-3515	68	10	have	have	VERB
easat-3515	68	11	our	our	PRON
easat-3515	68	12	database	database	NOUN
easat-3515	68	13	directly	directly	ADV
easat-3515	68	14	linked	link	VERB
easat-3515	68	15	with	with	ADP
easat-3515	68	16	it	it	PRON
easat-3515	68	17	to	to	PART
easat-3515	68	18	import	import	VERB
easat-3515	68	19	data	datum	NOUN
easat-3515	68	20	into	into	ADP
easat-3515	68	21	our	our	PRON
easat-3515	68	22	sql	sql	NOUN
easat-3515	68	23	server	server	NOUN
easat-3515	68	24	.	.	PUNCT
easat-3515	69	1	7004	7004	NUM
easat-3515	69	2	edelweiss	edelweiss	PROPN
easat-3515	69	3	applied	apply	VERB
easat-3515	69	4	science	science	NOUN
easat-3515	69	5	and	and	CCONJ
easat-3515	69	6	technology	technology	NOUN
easat-3515	69	7	issn	issn	PROPN
easat-3515	69	8	:	:	PUNCT
easat-3515	69	9	2576	2576	NUM
easat-3515	69	10	-	-	SYM
easat-3515	69	11	8484	8484	NUM
easat-3515	69	12	vol	vol	NOUN
easat-3515	69	13	.	.	PROPN
easat-3515	69	14	8	8	NUM
easat-3515	69	15	,	,	PUNCT
easat-3515	69	16	no	no	INTJ
easat-3515	69	17	.	.	NOUN
easat-3515	70	1	6	6	NUM
easat-3515	70	2	:	:	SYM
easat-3515	70	3	7001	7001	NUM
easat-3515	70	4	-	-	SYM
easat-3515	70	5	7007	7007	NUM
easat-3515	70	6	,	,	PUNCT
easat-3515	70	7	2024	2024	NUM
easat-3515	70	8	doi	doi	NOUN
easat-3515	70	9	:	:	PUNCT
easat-3515	70	10	10.55214/25768484.v8i6.3515	10.55214/25768484.v8i6.3515	PROPN
easat-3515	70	11	©	©	PROPN
easat-3515	70	12	2024	2024	NUM
easat-3515	70	13	by	by	ADP
easat-3515	70	14	the	the	DET
easat-3515	70	15	authors	author	NOUN
easat-3515	70	16	;	;	PUNCT
easat-3515	70	17	licensee	licensee	PROPN
easat-3515	70	18	learning	learn	VERB
easat-3515	70	19	gate	gate	NOUN
easat-3515	70	20	f	f	X
easat-3515	70	21	)	)	PUNCT
easat-3515	70	22	strategic	strategic	ADJ
easat-3515	70	23	decision	decision	NOUN
easat-3515	70	24	-	-	PUNCT
easat-3515	70	25	making	making	NOUN
easat-3515	70	26	:	:	PUNCT
easat-3515	70	27	we	we	PRON
easat-3515	70	28	utilize	utilize	VERB
easat-3515	70	29	the	the	DET
easat-3515	70	30	information	information	NOUN
easat-3515	70	31	received	receive	VERB
easat-3515	70	32	from	from	ADP
easat-3515	70	33	the	the	DET
easat-3515	70	34	analytics	analytic	NOUN
easat-3515	70	35	to	to	PART
easat-3515	70	36	make	make	VERB
easat-3515	70	37	reasonable	reasonable	ADJ
easat-3515	70	38	decisions	decision	NOUN
easat-3515	70	39	about	about	ADP
easat-3515	70	40	the	the	DET
easat-3515	70	41	criterion	criterion	NOUN
easat-3515	70	42	for	for	ADP
easat-3515	70	43	loan	loan	NOUN
easat-3515	70	44	approval	approval	NOUN
easat-3515	70	45	,	,	PUNCT
easat-3515	70	46	risk	risk	NOUN
easat-3515	70	47	analysis	analysis	NOUN
easat-3515	70	48	,	,	PUNCT
easat-3515	70	49	segmentation	segmentation	NOUN
easat-3515	70	50	of	of	ADP
easat-3515	70	51	customers	customer	NOUN
easat-3515	70	52	,	,	PUNCT
easat-3515	70	53	and	and	CCONJ
easat-3515	70	54	so	so	ADV
easat-3515	70	55	on	on	ADV
easat-3515	70	56	.	.	PUNCT
easat-3515	71	1	we	we	PRON
easat-3515	71	2	convey	convey	VERB
easat-3515	71	3	the	the	DET
easat-3515	71	4	findings	finding	NOUN
easat-3515	71	5	and	and	CCONJ
easat-3515	71	6	recommendations	recommendation	NOUN
easat-3515	71	7	to	to	ADP
easat-3515	71	8	the	the	DET
easat-3515	71	9	stakeholders	stakeholder	NOUN
easat-3515	71	10	.	.	PUNCT
easat-3515	72	1	table	table	NOUN
easat-3515	72	2	1	1	NUM
easat-3515	72	3	.	.	PUNCT
easat-3515	73	1	the	the	DET
easat-3515	73	2	observation	observation	NOUN
easat-3515	73	3	data	datum	NOUN
easat-3515	73	4	by	by	ADP
easat-3515	73	5	product	product	NOUN
easat-3515	73	6	base	base	NOUN
easat-3515	73	7	and	and	CCONJ
easat-3515	73	8	customer	customer	NOUN
easat-3515	73	9	type	type	NOUN
easat-3515	73	10	.	.	PUNCT
easat-3515	74	1	observation	observation	NOUN
easat-3515	74	2	period	period	NOUN
easat-3515	74	3	2020	2020	NUM
easat-3515	74	4	2022	2022	NUM
easat-3515	74	5	products	product	NOUN
easat-3515	74	6	base	base	NOUN
easat-3515	74	7	credit	credit	NOUN
easat-3515	74	8	card	card	NOUN
easat-3515	74	9	loan	loan	NOUN
easat-3515	74	10	overdraft	overdraft	NOUN
easat-3515	74	11	company	company	NOUN
easat-3515	74	12	4.376	4.376	NUM
easat-3515	74	13	9.933	9.933	NUM
easat-3515	74	14	1.749	1.749	NUM
easat-3515	74	15	individual	individual	NOUN
easat-3515	74	16	39.785	39.785	NUM
easat-3515	74	17	85.872	85.872	NUM
easat-3515	74	18	8.285	8.285	NUM
easat-3515	74	19	total	total	ADJ
easat-3515	74	20	number	number	NOUN
easat-3515	74	21	44.162	44.162	NUM
easat-3515	74	22	95.805	95.805	NUM
easat-3515	74	23	10.034	10.034	NUM
easat-3515	74	24	total	total	ADJ
easat-3515	74	25	%	%	NOUN
easat-3515	74	26	29	29	NUM
easat-3515	74	27	%	%	NOUN
easat-3515	74	28	64	64	NUM
easat-3515	74	29	%	%	NOUN
easat-3515	74	30	7	7	NUM
easat-3515	74	31	%	%	NOUN
easat-3515	74	32	in	in	ADP
easat-3515	74	33	total	total	NOUN
easat-3515	75	1	,	,	PUNCT
easat-3515	75	2	55	55	NUM
easat-3515	75	3	variables	variable	NOUN
easat-3515	75	4	were	be	AUX
easat-3515	75	5	taken	take	VERB
easat-3515	75	6	into	into	ADP
easat-3515	75	7	consideration	consideration	NOUN
easat-3515	75	8	,	,	PUNCT
easat-3515	75	9	12	12	NUM
easat-3515	75	10	from	from	ADP
easat-3515	75	11	customer	customer	NOUN
easat-3515	75	12	data	datum	NOUN
easat-3515	75	13	(	(	PUNCT
easat-3515	75	14	data	datum	NOUN
easat-3515	75	15	set	set	VERB
easat-3515	75	16	1	1	NUM
easat-3515	75	17	)	)	PUNCT
easat-3515	75	18	,	,	PUNCT
easat-3515	75	19	25	25	NUM
easat-3515	75	20	from	from	ADP
easat-3515	75	21	loan	loan	NOUN
easat-3515	75	22	application	application	NOUN
easat-3515	75	23	data	datum	NOUN
easat-3515	75	24	(	(	PUNCT
easat-3515	75	25	data	datum	NOUN
easat-3515	75	26	set	set	VERB
easat-3515	75	27	2	2	NUM
easat-3515	75	28	)	)	PUNCT
easat-3515	75	29	and	and	CCONJ
easat-3515	75	30	18	18	NUM
easat-3515	75	31	from	from	ADP
easat-3515	75	32	loan	loan	NOUN
easat-3515	75	33	performance	performance	NOUN
easat-3515	75	34	data	datum	NOUN
easat-3515	75	35	(	(	PUNCT
easat-3515	75	36	data	datum	NOUN
easat-3515	75	37	set	set	VERB
easat-3515	75	38	3	3	NUM
easat-3515	75	39	)	)	PUNCT
easat-3515	75	40	,	,	PUNCT
easat-3515	75	41	which	which	PRON
easat-3515	75	42	were	be	AUX
easat-3515	75	43	analyzed	analyze	VERB
easat-3515	75	44	and	and	CCONJ
easat-3515	75	45	classified	classify	VERB
easat-3515	75	46	according	accord	VERB
easat-3515	75	47	to	to	ADP
easat-3515	75	48	their	their	PRON
easat-3515	75	49	quality	quality	NOUN
easat-3515	75	50	as	as	ADP
easat-3515	75	51	good	good	ADJ
easat-3515	75	52	,	,	PUNCT
easat-3515	75	53	average	average	ADJ
easat-3515	75	54	,	,	PUNCT
easat-3515	75	55	poor	poor	ADJ
easat-3515	75	56	.	.	PUNCT
easat-3515	76	1	overall	overall	ADJ
easat-3515	76	2	,	,	PUNCT
easat-3515	76	3	most	most	ADJ
easat-3515	76	4	of	of	ADP
easat-3515	76	5	the	the	DET
easat-3515	76	6	data	data	NOUN
easat-3515	76	7	points	point	NOUN
easat-3515	76	8	studied	study	VERB
easat-3515	76	9	have	have	VERB
easat-3515	76	10	good	good	ADJ
easat-3515	76	11	to	to	ADP
easat-3515	76	12	acceptable	acceptable	ADJ
easat-3515	76	13	data	datum	NOUN
easat-3515	76	14	quality	quality	NOUN
easat-3515	76	15	.	.	PUNCT
easat-3515	77	1	table	table	NOUN
easat-3515	77	2	2	2	NUM
easat-3515	77	3	.	.	PUNCT
easat-3515	78	1	the	the	DET
easat-3515	78	2	data	data	NOUN
easat-3515	78	3	point	point	NOUN
easat-3515	78	4	per	per	ADP
easat-3515	78	5	data	datum	NOUN
easat-3515	78	6	set	set	VERB
easat-3515	78	7	with	with	ADP
easat-3515	78	8	quality	quality	NOUN
easat-3515	78	9	quality	quality	NOUN
easat-3515	78	10	good	good	ADJ
easat-3515	78	11	average	average	ADJ
easat-3515	78	12	poor	poor	ADJ
easat-3515	78	13	data	datum	NOUN
easat-3515	78	14	set	set	VERB
easat-3515	78	15	1	1	NUM
easat-3515	78	16	10	10	NUM
easat-3515	78	17	1	1	NUM
easat-3515	78	18	1	1	NUM
easat-3515	78	19	data	datum	NOUN
easat-3515	78	20	set	set	VERB
easat-3515	78	21	2	2	NUM
easat-3515	78	22	22	22	NUM
easat-3515	78	23	3	3	NUM
easat-3515	78	24	0	0	NUM
easat-3515	78	25	data	datum	NOUN
easat-3515	78	26	set	set	VERB
easat-3515	78	27	3	3	NUM
easat-3515	78	28	17	17	NUM
easat-3515	78	29	1	1	NUM
easat-3515	78	30	0	0	NUM
easat-3515	78	31	total	total	NOUN
easat-3515	78	32	49	49	NUM
easat-3515	78	33	5	5	NUM
easat-3515	78	34	1	1	NUM
easat-3515	78	35	the	the	DET
easat-3515	78	36	analysis	analysis	NOUN
easat-3515	78	37	of	of	ADP
easat-3515	78	38	roll	roll	NOUN
easat-3515	78	39	rates	rate	NOUN
easat-3515	78	40	is	be	AUX
easat-3515	78	41	useful	useful	ADJ
easat-3515	78	42	for	for	ADP
easat-3515	78	43	identifying	identify	VERB
easat-3515	78	44	the	the	DET
easat-3515	78	45	appropriate	appropriate	ADJ
easat-3515	78	46	definition	definition	NOUN
easat-3515	78	47	of	of	ADP
easat-3515	78	48	a	a	DET
easat-3515	78	49	"	"	PUNCT
easat-3515	78	50	bad	bad	ADJ
easat-3515	78	51	"	"	PUNCT
easat-3515	78	52	loan	loan	NOUN
easat-3515	78	53	product	product	NOUN
easat-3515	78	54	.	.	PUNCT
easat-3515	79	1	on	on	ADP
easat-3515	79	2	the	the	DET
easat-3515	79	3	other	other	ADJ
easat-3515	79	4	hand	hand	NOUN
easat-3515	79	5	,	,	PUNCT
easat-3515	79	6	the	the	DET
easat-3515	79	7	max	max	PROPN
easat-3515	79	8	delinquency	delinquency	PROPN
easat-3515	79	9	analysis	analysis	NOUN
easat-3515	79	10	helps	help	VERB
easat-3515	79	11	to	to	PART
easat-3515	79	12	refine	refine	VERB
easat-3515	79	13	the	the	DET
easat-3515	79	14	sampling	sampling	NOUN
easat-3515	79	15	process	process	NOUN
easat-3515	79	16	and	and	CCONJ
easat-3515	79	17	offers	offer	VERB
easat-3515	79	18	valuable	valuable	ADJ
easat-3515	79	19	insights	insight	NOUN
easat-3515	79	20	into	into	ADP
easat-3515	79	21	application	application	NOUN
easat-3515	79	22	volumes	volume	NOUN
easat-3515	79	23	.	.	PUNCT
easat-3515	80	1	the	the	DET
easat-3515	80	2	variables	variable	NOUN
easat-3515	80	3	are	be	AUX
easat-3515	80	4	shown	show	VERB
easat-3515	80	5	below	below	ADP
easat-3515	80	6	in	in	ADP
easat-3515	80	7	order	order	NOUN
easat-3515	80	8	of	of	ADP
easat-3515	80	9	quality	quality	NOUN
easat-3515	80	10	and	and	CCONJ
easat-3515	80	11	missing	miss	VERB
easat-3515	80	12	value	value	NOUN
easat-3515	80	13	percentage	percentage	NOUN
easat-3515	80	14	(	(	PUNCT
easat-3515	80	15	minimum	minimum	NOUN
easat-3515	80	16	and	and	CCONJ
easat-3515	80	17	maximum	maximum	ADJ
easat-3515	80	18	)	)	PUNCT
easat-3515	80	19	based	base	VERB
easat-3515	80	20	on	on	ADP
easat-3515	80	21	the	the	DET
easat-3515	80	22	data	data	NOUN
easat-3515	80	23	type	type	NOUN
easat-3515	80	24	.	.	PUNCT
easat-3515	81	1	figure	figure	NOUN
easat-3515	81	2	1	1	NUM
easat-3515	81	3	.	.	PUNCT
easat-3515	82	1	quality	quality	NOUN
easat-3515	82	2	of	of	ADP
easat-3515	82	3	data	datum	NOUN
easat-3515	82	4	type	type	NOUN
easat-3515	82	5	.	.	PUNCT
easat-3515	83	1	in	in	ADP
easat-3515	83	2	data	datum	NOUN
easat-3515	83	3	set	set	VERB
easat-3515	83	4	2	2	NUM
easat-3515	83	5	after	after	ADP
easat-3515	83	6	analyzing	analyze	VERB
easat-3515	83	7	the	the	DET
easat-3515	83	8	data	data	NOUN
easat-3515	83	9	results	result	NOUN
easat-3515	83	10	:	:	PUNCT
easat-3515	83	11	80	80	NUM
easat-3515	83	12	%	%	NOUN
easat-3515	83	13	of	of	ADP
easat-3515	83	14	customers	customer	NOUN
easat-3515	83	15	have	have	VERB
easat-3515	83	16	1	1	NUM
easat-3515	83	17	record	record	NOUN
easat-3515	83	18	,	,	PUNCT
easat-3515	83	19	15	15	NUM
easat-3515	83	20	%	%	NOUN
easat-3515	83	21	2	2	NUM
easat-3515	83	22	records	record	NOUN
easat-3515	83	23	and	and	CCONJ
easat-3515	83	24	5	5	NUM
easat-3515	83	25	%	%	NOUN
easat-3515	83	26	3	3	NUM
easat-3515	83	27	+	+	NUM
easat-3515	83	28	records	record	NOUN
easat-3515	83	29	.	.	PUNCT
easat-3515	84	1	the	the	DET
easat-3515	84	2	rejection	rejection	NOUN
easat-3515	84	3	rate	rate	NOUN
easat-3515	84	4	for	for	ADP
easat-3515	84	5	the	the	DET
easat-3515	84	6	observed	observed	ADJ
easat-3515	84	7	period	period	NOUN
easat-3515	84	8	is	be	AUX
easat-3515	84	9	4.6	4.6	NUM
easat-3515	84	10	%	%	NOUN
easat-3515	84	11	.	.	PUNCT
easat-3515	85	1	the	the	DET
easat-3515	85	2	average	average	ADJ
easat-3515	85	3	amount	amount	NOUN
easat-3515	85	4	applied	apply	VERB
easat-3515	85	5	in	in	ADP
easat-3515	85	6	all	all	PRON
easat-3515	85	7	is	be	AUX
easat-3515	85	8	242k	242k	NUM
easat-3515	85	9	with	with	ADP
easat-3515	85	10	average	average	ADJ
easat-3515	85	11	tenor	tenor	NOUN
easat-3515	85	12	27	27	NUM
easat-3515	85	13	months	month	NOUN
easat-3515	85	14	and	and	CCONJ
easat-3515	85	15	with	with	ADP
easat-3515	85	16	average	average	ADJ
easat-3515	85	17	monthly	monthly	ADJ
easat-3515	85	18	income	income	NOUN
easat-3515	85	19	in	in	ADP
easat-3515	85	20	all	all	DET
easat-3515	85	21	46k	46k	NUM
easat-3515	85	22	.	.	PUNCT
easat-3515	86	1	7005	7005	NUM
easat-3515	86	2	edelweiss	edelweiss	PROPN
easat-3515	86	3	applied	apply	VERB
easat-3515	86	4	science	science	NOUN
easat-3515	86	5	and	and	CCONJ
easat-3515	86	6	technology	technology	NOUN
easat-3515	86	7	issn	issn	PROPN
easat-3515	86	8	:	:	PUNCT
easat-3515	86	9	2576	2576	NUM
easat-3515	86	10	-	-	SYM
easat-3515	86	11	8484	8484	NUM
easat-3515	86	12	vol	vol	NOUN
easat-3515	86	13	.	.	PROPN
easat-3515	86	14	8	8	NUM
easat-3515	86	15	,	,	PUNCT
easat-3515	86	16	no	no	INTJ
easat-3515	86	17	.	.	NOUN
easat-3515	87	1	6	6	NUM
easat-3515	87	2	:	:	SYM
easat-3515	87	3	7001	7001	NUM
easat-3515	87	4	-	-	SYM
easat-3515	87	5	7007	7007	NUM
easat-3515	87	6	,	,	PUNCT
easat-3515	87	7	2024	2024	NUM
easat-3515	87	8	doi	doi	NOUN
easat-3515	87	9	:	:	PUNCT
easat-3515	87	10	10.55214/25768484.v8i6.3515	10.55214/25768484.v8i6.3515	PROPN
easat-3515	87	11	©	©	PROPN
easat-3515	87	12	2024	2024	NUM
easat-3515	87	13	by	by	ADP
easat-3515	87	14	the	the	DET
easat-3515	87	15	authors	author	NOUN
easat-3515	87	16	;	;	PUNCT
easat-3515	87	17	licensee	licensee	PROPN
easat-3515	87	18	learning	learning	NOUN
easat-3515	87	19	gate	gate	NOUN
easat-3515	87	20	for	for	ADP
easat-3515	87	21	data	datum	NOUN
easat-3515	87	22	set	set	VERB
easat-3515	87	23	3	3	NUM
easat-3515	87	24	the	the	DET
easat-3515	87	25	results	result	NOUN
easat-3515	87	26	after	after	SCONJ
easat-3515	87	27	the	the	DET
easat-3515	87	28	data	data	NOUN
easat-3515	87	29	analysis	analysis	NOUN
easat-3515	87	30	are	be	AUX
easat-3515	87	31	:	:	PUNCT
easat-3515	87	32	90	90	NUM
easat-3515	87	33	%	%	NOUN
easat-3515	87	34	of	of	ADP
easat-3515	87	35	customer	customer	NOUN
easat-3515	87	36	are	be	AUX
easat-3515	87	37	individual	individual	ADJ
easat-3515	87	38	.	.	PUNCT
easat-3515	88	1	10	10	NUM
easat-3515	88	2	%	%	NOUN
easat-3515	88	3	of	of	ADP
easat-3515	88	4	loans	loan	NOUN
easat-3515	88	5	are	be	AUX
easat-3515	88	6	restructured	restructure	VERB
easat-3515	88	7	and	and	CCONJ
easat-3515	88	8	5.6	5.6	NUM
easat-3515	88	9	%	%	NOUN
easat-3515	88	10	of	of	ADP
easat-3515	88	11	loans	loan	NOUN
easat-3515	88	12	are	be	AUX
easat-3515	88	13	in	in	ADP
easat-3515	88	14	par	par	NOUN
easat-3515	88	15	(	(	PUNCT
easat-3515	88	16	in	in	ADP
easat-3515	88	17	arrears	arrear	NOUN
easat-3515	88	18	above	above	ADP
easat-3515	88	19	30	30	NUM
easat-3515	88	20	days	day	NOUN
easat-3515	88	21	)	)	PUNCT
easat-3515	88	22	.	.	PUNCT
easat-3515	89	1	figure	figure	NOUN
easat-3515	89	2	2	2	NUM
easat-3515	89	3	.	.	PUNCT
easat-3515	90	1	missing	miss	VERB
easat-3515	90	2	data	datum	NOUN
easat-3515	90	3	in	in	ADP
easat-3515	90	4	%	%	NOUN
easat-3515	90	5	.	.	PUNCT
easat-3515	91	1	the	the	DET
easat-3515	91	2	analysis	analysis	NOUN
easat-3515	91	3	of	of	ADP
easat-3515	91	4	roll	roll	NOUN
easat-3515	91	5	rates	rate	NOUN
easat-3515	91	6	is	be	AUX
easat-3515	91	7	useful	useful	ADJ
easat-3515	91	8	for	for	ADP
easat-3515	91	9	identifying	identify	VERB
easat-3515	91	10	the	the	DET
easat-3515	91	11	appropriate	appropriate	ADJ
easat-3515	91	12	definition	definition	NOUN
easat-3515	91	13	of	of	ADP
easat-3515	91	14	a	a	DET
easat-3515	91	15	"	"	PUNCT
easat-3515	91	16	bad	bad	ADJ
easat-3515	91	17	"	"	PUNCT
easat-3515	91	18	loan	loan	NOUN
easat-3515	91	19	product	product	NOUN
easat-3515	91	20	.	.	PUNCT
easat-3515	92	1	on	on	ADP
easat-3515	92	2	the	the	DET
easat-3515	92	3	other	other	ADJ
easat-3515	92	4	hand	hand	NOUN
easat-3515	92	5	,	,	PUNCT
easat-3515	92	6	the	the	DET
easat-3515	92	7	max	max	PROPN
easat-3515	92	8	delinquency	delinquency	PROPN
easat-3515	92	9	analysis	analysis	NOUN
easat-3515	92	10	helps	help	VERB
easat-3515	92	11	to	to	PART
easat-3515	92	12	refine	refine	VERB
easat-3515	92	13	the	the	DET
easat-3515	92	14	sampling	sampling	NOUN
easat-3515	92	15	process	process	NOUN
easat-3515	92	16	and	and	CCONJ
easat-3515	92	17	offers	offer	VERB
easat-3515	92	18	valuable	valuable	ADJ
easat-3515	92	19	insights	insight	NOUN
easat-3515	92	20	into	into	ADP
easat-3515	92	21	application	application	NOUN
easat-3515	92	22	volumes	volume	NOUN
easat-3515	92	23	.	.	PUNCT
easat-3515	93	1	figure	figure	NOUN
easat-3515	93	2	3	3	NUM
easat-3515	93	3	.	.	PUNCT
easat-3515	93	4	delinquency	delinquency	NOUN
easat-3515	93	5	status	status	NOUN
easat-3515	93	6	(	(	PUNCT
easat-3515	93	7	better	well	ADJ
easat-3515	93	8	;	;	PUNCT
easat-3515	93	9	worse	bad	ADJ
easat-3515	93	10	)	)	PUNCT
easat-3515	93	11	roll	roll	NOUN
easat-3515	93	12	rates	rate	NOUN
easat-3515	93	13	130	130	NUM
easat-3515	93	14	days	day	NOUN
easat-3515	93	15	.	.	PUNCT
easat-3515	94	1	7006	7006	NUM
easat-3515	94	2	edelweiss	edelweiss	PROPN
easat-3515	94	3	applied	apply	VERB
easat-3515	94	4	science	science	NOUN
easat-3515	94	5	and	and	CCONJ
easat-3515	94	6	technology	technology	NOUN
easat-3515	94	7	issn	issn	PROPN
easat-3515	94	8	:	:	PUNCT
easat-3515	94	9	2576	2576	NUM
easat-3515	94	10	-	-	SYM
easat-3515	94	11	8484	8484	NUM
easat-3515	94	12	vol	vol	NOUN
easat-3515	94	13	.	.	PROPN
easat-3515	94	14	8	8	NUM
easat-3515	94	15	,	,	PUNCT
easat-3515	94	16	no	no	INTJ
easat-3515	94	17	.	.	NOUN
easat-3515	95	1	6	6	NUM
easat-3515	95	2	:	:	SYM
easat-3515	95	3	7001	7001	NUM
easat-3515	95	4	-	-	SYM
easat-3515	95	5	7007	7007	NUM
easat-3515	95	6	,	,	PUNCT
easat-3515	95	7	2024	2024	NUM
easat-3515	95	8	doi	doi	NOUN
easat-3515	95	9	:	:	PUNCT
easat-3515	95	10	10.55214/25768484.v8i6.3515	10.55214/25768484.v8i6.3515	PROPN
easat-3515	95	11	©	©	PROPN
easat-3515	95	12	2024	2024	NUM
easat-3515	95	13	by	by	ADP
easat-3515	95	14	the	the	DET
easat-3515	95	15	authors	author	NOUN
easat-3515	95	16	;	;	PUNCT
easat-3515	95	17	licensee	licensee	PROPN
easat-3515	95	18	learning	learn	VERB
easat-3515	95	19	gate	gate	NOUN
easat-3515	95	20	figure	figure	NOUN
easat-3515	95	21	4	4	NUM
easat-3515	95	22	.	.	PUNCT
easat-3515	95	23	delinquency	delinquency	NOUN
easat-3515	95	24	status	status	NOUN
easat-3515	95	25	(	(	PUNCT
easat-3515	95	26	better	well	ADJ
easat-3515	95	27	;	;	PUNCT
easat-3515	95	28	worse	bad	ADJ
easat-3515	95	29	)	)	PUNCT
easat-3515	95	30	roll	roll	NOUN
easat-3515	95	31	rates	rate	NOUN
easat-3515	95	32	30	30	NUM
easat-3515	95	33	60	60	NUM
easat-3515	95	34	days	day	NOUN
easat-3515	95	35	.	.	PUNCT
easat-3515	96	1	figure	figure	NOUN
easat-3515	96	2	5	5	NUM
easat-3515	96	3	.	.	PUNCT
easat-3515	96	4	delinquency	delinquency	NOUN
easat-3515	96	5	status	status	NOUN
easat-3515	96	6	(	(	PUNCT
easat-3515	96	7	better	well	ADJ
easat-3515	96	8	;	;	PUNCT
easat-3515	96	9	worse	bad	ADJ
easat-3515	96	10	)	)	PUNCT
easat-3515	96	11	roll	roll	NOUN
easat-3515	96	12	rates	rate	NOUN
easat-3515	96	13	60	60	NUM
easat-3515	96	14	90	90	NUM
easat-3515	96	15	days	day	NOUN
easat-3515	96	16	.	.	PUNCT
easat-3515	97	1	figure	figure	VERB
easat-3515	97	2	6	6	NUM
easat-3515	97	3	.	.	PUNCT
easat-3515	97	4	delinquency	delinquency	NOUN
easat-3515	97	5	status	status	NOUN
easat-3515	97	6	(	(	PUNCT
easat-3515	97	7	better	well	ADJ
easat-3515	97	8	;	;	PUNCT
easat-3515	97	9	worse	bad	ADJ
easat-3515	97	10	)	)	PUNCT
easat-3515	97	11	roll	roll	NOUN
easat-3515	97	12	rates	rate	NOUN
easat-3515	97	13	over	over	ADP
easat-3515	97	14	90	90	NUM
easat-3515	97	15	days	day	NOUN
easat-3515	97	16	.	.	PUNCT
easat-3515	98	1	the	the	DET
easat-3515	98	2	focus	focus	NOUN
easat-3515	98	3	of	of	ADP
easat-3515	98	4	the	the	DET
easat-3515	98	5	paper	paper	NOUN
easat-3515	98	6	is	be	AUX
easat-3515	98	7	to	to	PART
easat-3515	98	8	highlight	highlight	VERB
easat-3515	98	9	the	the	DET
easat-3515	98	10	crucial	crucial	ADJ
easat-3515	98	11	nature	nature	NOUN
easat-3515	98	12	of	of	ADP
easat-3515	98	13	data	datum	NOUN
easat-3515	98	14	quality	quality	NOUN
easat-3515	98	15	in	in	ADP
easat-3515	98	16	the	the	DET
easat-3515	98	17	banking	banking	NOUN
easat-3515	98	18	industry	industry	NOUN
easat-3515	98	19	,	,	PUNCT
easat-3515	98	20	having	have	VERB
easat-3515	98	21	customer	customer	NOUN
easat-3515	98	22	datasets	dataset	NOUN
easat-3515	98	23	in	in	ADP
easat-3515	98	24	mind	mind	NOUN
easat-3515	98	25	.	.	PUNCT
easat-3515	99	1	first	first	ADV
easat-3515	99	2	of	of	ADP
easat-3515	99	3	all	all	PRON
easat-3515	99	4	,	,	PUNCT
easat-3515	99	5	it	it	PRON
easat-3515	99	6	is	be	AUX
easat-3515	99	7	important	important	ADJ
easat-3515	99	8	to	to	PART
easat-3515	99	9	put	put	VERB
easat-3515	99	10	the	the	DET
easat-3515	99	11	right	right	ADJ
easat-3515	99	12	data	datum	NOUN
easat-3515	99	13	quality	quality	NOUN
easat-3515	99	14	processes	process	NOUN
easat-3515	99	15	and	and	CCONJ
easat-3515	99	16	tools	tool	NOUN
easat-3515	99	17	in	in	ADP
easat-3515	99	18	place	place	NOUN
easat-3515	99	19	to	to	PART
easat-3515	99	20	get	get	VERB
easat-3515	99	21	data	datum	NOUN
easat-3515	99	22	accuracy	accuracy	NOUN
easat-3515	99	23	,	,	PUNCT
easat-3515	99	24	regulate	regulate	VERB
easat-3515	99	25	compliance	compliance	NOUN
easat-3515	99	26	,	,	PUNCT
easat-3515	99	27	and	and	CCONJ
easat-3515	99	28	gain	gain	VERB
easat-3515	99	29	a	a	DET
easat-3515	99	30	competitive	competitive	ADJ
easat-3515	99	31	advantage	advantage	NOUN
easat-3515	99	32	.	.	PUNCT
easat-3515	100	1	this	this	DET
easat-3515	100	2	goal	goal	NOUN
easat-3515	100	3	can	can	AUX
easat-3515	100	4	be	be	AUX
easat-3515	100	5	accomplished	accomplish	VERB
easat-3515	100	6	by	by	ADP
easat-3515	100	7	blending	blend	VERB
easat-3515	100	8	sql	sql	NOUN
easat-3515	100	9	for	for	ADP
easat-3515	100	10	data	datum	NOUN
easat-3515	100	11	formatting	format	VERB
easat-3515	100	12	and	and	CCONJ
easat-3515	100	13	initial	initial	ADJ
easat-3515	100	14	analysis	analysis	NOUN
easat-3515	100	15	,	,	PUNCT
easat-3515	100	16	applying	apply	VERB
easat-3515	100	17	python	python	NOUN
easat-3515	100	18	to	to	ADP
easat-3515	100	19	the	the	DET
easat-3515	100	20	more	more	ADV
easat-3515	100	21	sophisticated	sophisticated	ADJ
easat-3515	100	22	analysis	analysis	NOUN
easat-3515	100	23	and	and	CCONJ
easat-3515	100	24	modeling	modeling	NOUN
easat-3515	100	25	,	,	PUNCT
easat-3515	100	26	and	and	CCONJ
easat-3515	100	27	power	power	NOUN
easat-3515	100	28	bi	bi	NOUN
easat-3515	100	29	as	as	ADP
easat-3515	100	30	the	the	DET
easat-3515	100	31	tool	tool	NOUN
easat-3515	100	32	for	for	ADP
easat-3515	100	33	visualization	visualization	NOUN
easat-3515	100	34	and	and	CCONJ
easat-3515	100	35	reporting	reporting	NOUN
easat-3515	100	36	.	.	PUNCT
easat-3515	101	1	the	the	DET
easat-3515	101	2	7007	7007	NUM
easat-3515	101	3	edelweiss	edelweiss	PROPN
easat-3515	101	4	applied	apply	VERB
easat-3515	101	5	science	science	NOUN
easat-3515	101	6	and	and	CCONJ
easat-3515	101	7	technology	technology	NOUN
easat-3515	101	8	issn	issn	PROPN
easat-3515	101	9	:	:	PUNCT
easat-3515	101	10	2576	2576	NUM
easat-3515	101	11	-	-	SYM
easat-3515	101	12	8484	8484	NUM
easat-3515	101	13	vol	vol	NOUN
easat-3515	101	14	.	.	PROPN
easat-3515	101	15	8	8	NUM
easat-3515	101	16	,	,	PUNCT
easat-3515	101	17	no	no	INTJ
easat-3515	101	18	.	.	NOUN
easat-3515	101	19	6	6	NUM
easat-3515	101	20	:	:	SYM
easat-3515	101	21	7001	7001	NUM
easat-3515	101	22	-	-	SYM
easat-3515	101	23	7007	7007	NUM
easat-3515	101	24	,	,	PUNCT
easat-3515	101	25	2024	2024	NUM
easat-3515	101	26	doi	doi	NOUN
easat-3515	101	27	:	:	PUNCT
easat-3515	101	28	10.55214/25768484.v8i6.3515	10.55214/25768484.v8i6.3515	PROPN
easat-3515	101	29	©	©	PROPN
easat-3515	101	30	2024	2024	NUM
easat-3515	101	31	by	by	ADP
easat-3515	101	32	the	the	DET
easat-3515	101	33	authors	author	NOUN
easat-3515	101	34	;	;	PUNCT
easat-3515	101	35	licensee	licensee	PROPN
easat-3515	101	36	learning	learning	PROPN
easat-3515	101	37	gate	gate	PROPN
easat-3515	101	38	research	research	NOUN
easat-3515	101	39	will	will	AUX
easat-3515	101	40	be	be	AUX
easat-3515	101	41	guided	guide	VERB
easat-3515	101	42	by	by	ADP
easat-3515	101	43	a	a	DET
easat-3515	101	44	comprehensive	comprehensive	ADJ
easat-3515	101	45	regulation	regulation	NOUN
easat-3515	101	46	that	that	PRON
easat-3515	101	47	focuses	focus	VERB
easat-3515	101	48	on	on	ADP
easat-3515	101	49	giving	give	VERB
easat-3515	101	50	banks	bank	NOUN
easat-3515	101	51	crucial	crucial	ADJ
easat-3515	101	52	insights	insight	NOUN
easat-3515	101	53	for	for	ADP
easat-3515	101	54	enhancing	enhance	VERB
easat-3515	101	55	loan	loan	NOUN
easat-3515	101	56	application	application	NOUN
easat-3515	101	57	systems	system	NOUN
easat-3515	101	58	,	,	PUNCT
easat-3515	101	59	improving	improve	VERB
easat-3515	101	60	loan	loan	NOUN
easat-3515	101	61	performance	performance	NOUN
easat-3515	101	62	,	,	PUNCT
easat-3515	101	63	and	and	CCONJ
easat-3515	101	64	thereby	thereby	ADV
easat-3515	101	65	encouraging	encourage	VERB
easat-3515	101	66	strategic	strategic	ADJ
easat-3515	101	67	growth	growth	NOUN
easat-3515	101	68	and	and	CCONJ
easat-3515	101	69	innovation	innovation	NOUN
easat-3515	101	70	in	in	ADP
easat-3515	101	71	the	the	DET
easat-3515	101	72	competitive	competitive	ADJ
easat-3515	101	73	banking	banking	NOUN
easat-3515	101	74	industry	industry	NOUN
easat-3515	101	75	.	.	PUNCT
easat-3515	102	1	5	5	X
easat-3515	102	2	.	.	X
easat-3515	102	3	conclusions	conclusion	NOUN
easat-3515	102	4	this	this	DET
easat-3515	102	5	research	research	NOUN
easat-3515	102	6	elucidates	elucidate	VERB
easat-3515	102	7	the	the	DET
easat-3515	102	8	substantial	substantial	ADJ
easat-3515	102	9	significance	significance	NOUN
easat-3515	102	10	of	of	ADP
easat-3515	102	11	data	datum	NOUN
easat-3515	102	12	quality	quality	NOUN
easat-3515	102	13	analytics	analytic	NOUN
easat-3515	102	14	in	in	ADP
easat-3515	102	15	augmenting	augment	VERB
easat-3515	102	16	the	the	DET
easat-3515	102	17	loan	loan	NOUN
easat-3515	102	18	application	application	NOUN
easat-3515	102	19	procedure	procedure	NOUN
easat-3515	102	20	and	and	CCONJ
easat-3515	102	21	performance	performance	NOUN
easat-3515	102	22	evaluations	evaluation	NOUN
easat-3515	102	23	within	within	ADP
easat-3515	102	24	the	the	DET
easat-3515	102	25	banking	banking	NOUN
easat-3515	102	26	domain	domain	NOUN
easat-3515	102	27	.	.	PUNCT
easat-3515	103	1	by	by	ADP
easat-3515	103	2	assimilating	assimilate	VERB
easat-3515	103	3	instruments	instrument	NOUN
easat-3515	103	4	such	such	ADJ
easat-3515	103	5	as	as	ADP
easat-3515	103	6	sql	sql	NOUN
easat-3515	103	7	,	,	PUNCT
easat-3515	103	8	power	power	NOUN
easat-3515	103	9	bi	bi	NOUN
easat-3515	103	10	,	,	PUNCT
easat-3515	103	11	and	and	CCONJ
easat-3515	103	12	python	python	NOUN
easat-3515	103	13	,	,	PUNCT
easat-3515	103	14	financial	financial	ADJ
easat-3515	103	15	institutions	institution	NOUN
easat-3515	103	16	can	can	AUX
easat-3515	103	17	exploit	exploit	VERB
easat-3515	103	18	customer	customer	NOUN
easat-3515	103	19	and	and	CCONJ
easat-3515	103	20	loan	loan	NOUN
easat-3515	103	21	data	datum	NOUN
easat-3515	103	22	to	to	PART
easat-3515	103	23	render	render	VERB
easat-3515	103	24	judicious	judicious	ADJ
easat-3515	103	25	decisions	decision	NOUN
easat-3515	103	26	,	,	PUNCT
easat-3515	103	27	enhance	enhance	VERB
easat-3515	103	28	operational	operational	ADJ
easat-3515	103	29	efficacy	efficacy	NOUN
easat-3515	103	30	,	,	PUNCT
easat-3515	103	31	and	and	CCONJ
easat-3515	103	32	propel	propel	VERB
easat-3515	103	33	strategic	strategic	ADJ
easat-3515	103	34	expansion	expansion	NOUN
easat-3515	103	35	.	.	PUNCT
easat-3515	104	1	the	the	DET
easat-3515	104	2	results	result	NOUN
easat-3515	104	3	underscore	underscore	VERB
easat-3515	104	4	the	the	DET
easat-3515	104	5	paramount	paramount	ADJ
easat-3515	104	6	importance	importance	NOUN
easat-3515	104	7	of	of	ADP
easat-3515	104	8	guaranteeing	guarantee	VERB
easat-3515	104	9	high	high	ADJ
easat-3515	104	10	-	-	PUNCT
easat-3515	104	11	quality	quality	NOUN
easat-3515	104	12	data	datum	NOUN
easat-3515	104	13	in	in	ADP
easat-3515	104	14	banking	banking	NOUN
easat-3515	104	15	,	,	PUNCT
easat-3515	104	16	as	as	SCONJ
easat-3515	104	17	it	it	PRON
easat-3515	104	18	empowers	empower	VERB
easat-3515	104	19	institutions	institution	NOUN
easat-3515	104	20	to	to	PART
easat-3515	104	21	more	more	ADV
easat-3515	104	22	effectively	effectively	ADV
easat-3515	104	23	evaluate	evaluate	VERB
easat-3515	104	24	creditworthiness	creditworthiness	NOUN
easat-3515	104	25	,	,	PUNCT
easat-3515	104	26	mitigate	mitigate	VERB
easat-3515	104	27	loan	loan	NOUN
easat-3515	104	28	default	default	NOUN
easat-3515	104	29	risks	risk	NOUN
easat-3515	104	30	,	,	PUNCT
easat-3515	104	31	and	and	CCONJ
easat-3515	104	32	provide	provide	VERB
easat-3515	104	33	customized	customized	ADJ
easat-3515	104	34	financial	financial	ADJ
easat-3515	104	35	products	product	NOUN
easat-3515	104	36	to	to	PART
easat-3515	104	37	satisfy	satisfy	VERB
easat-3515	104	38	customer	customer	NOUN
easat-3515	104	39	requirements	requirement	NOUN
easat-3515	104	40	.	.	PUNCT
easat-3515	105	1	the	the	DET
easat-3515	105	2	application	application	NOUN
easat-3515	105	3	of	of	ADP
easat-3515	105	4	sql	sql	NOUN
easat-3515	105	5	for	for	ADP
easat-3515	105	6	data	data	NOUN
easat-3515	105	7	cleansing	cleansing	NOUN
easat-3515	105	8	and	and	CCONJ
easat-3515	105	9	standardization	standardization	NOUN
easat-3515	105	10	,	,	PUNCT
easat-3515	105	11	python	python	NOUN
easat-3515	105	12	for	for	ADP
easat-3515	105	13	sophisticated	sophisticated	ADJ
easat-3515	105	14	statistical	statistical	ADJ
easat-3515	105	15	analysis	analysis	NOUN
easat-3515	105	16	,	,	PUNCT
easat-3515	105	17	and	and	CCONJ
easat-3515	105	18	power	power	NOUN
easat-3515	105	19	bi	bi	NOUN
easat-3515	105	20	for	for	ADP
easat-3515	105	21	real	real	ADJ
easat-3515	105	22	-	-	PUNCT
easat-3515	105	23	time	time	NOUN
easat-3515	105	24	data	datum	NOUN
easat-3515	105	25	visualization	visualization	NOUN
easat-3515	105	26	proved	prove	VERB
easat-3515	105	27	exceptionally	exceptionally	ADV
easat-3515	105	28	efficacious	efficacious	ADJ
easat-3515	105	29	in	in	ADP
easat-3515	105	30	converting	convert	VERB
easat-3515	105	31	extensive	extensive	ADJ
easat-3515	105	32	datasets	dataset	NOUN
easat-3515	105	33	into	into	ADP
easat-3515	105	34	pragmatic	pragmatic	ADJ
easat-3515	105	35	insights	insight	NOUN
easat-3515	105	36	.	.	PUNCT
easat-3515	106	1	the	the	DET
easat-3515	106	2	investigation	investigation	NOUN
easat-3515	106	3	revealed	reveal	VERB
easat-3515	106	4	that	that	SCONJ
easat-3515	106	5	pivotal	pivotal	ADJ
easat-3515	106	6	performance	performance	NOUN
easat-3515	106	7	indicators	indicator	NOUN
easat-3515	106	8	,	,	PUNCT
easat-3515	106	9	such	such	ADJ
easat-3515	106	10	as	as	ADP
easat-3515	106	11	customer	customer	NOUN
easat-3515	106	12	loan	loan	NOUN
easat-3515	106	13	default	default	NOUN
easat-3515	106	14	rates	rate	NOUN
easat-3515	106	15	and	and	CCONJ
easat-3515	106	16	repayment	repayment	NOUN
easat-3515	106	17	conduct	conduct	NOUN
easat-3515	106	18	,	,	PUNCT
easat-3515	106	19	could	could	AUX
easat-3515	106	20	be	be	AUX
easat-3515	106	21	markedly	markedly	ADV
easat-3515	106	22	improved	improve	VERB
easat-3515	106	23	through	through	ADP
easat-3515	106	24	this	this	DET
easat-3515	106	25	all	all	ADV
easat-3515	106	26	-	-	PUNCT
easat-3515	106	27	encompassing	encompass	VERB
easat-3515	106	28	methodology	methodology	NOUN
easat-3515	106	29	.	.	PUNCT
easat-3515	107	1	furthermore	furthermore	ADV
easat-3515	107	2	,	,	PUNCT
easat-3515	107	3	the	the	DET
easat-3515	107	4	utilization	utilization	NOUN
easat-3515	107	5	of	of	ADP
easat-3515	107	6	predictive	predictive	ADJ
easat-3515	107	7	modeling	modeling	NOUN
easat-3515	107	8	and	and	CCONJ
easat-3515	107	9	clustering	clustering	ADJ
easat-3515	107	10	methodologies	methodology	NOUN
easat-3515	107	11	facilitated	facilitate	VERB
easat-3515	107	12	more	more	ADV
easat-3515	107	13	precise	precise	ADJ
easat-3515	107	14	customer	customer	NOUN
easat-3515	107	15	segmentation	segmentation	NOUN
easat-3515	107	16	,	,	PUNCT
easat-3515	107	17	culminating	culminate	VERB
easat-3515	107	18	in	in	ADP
easat-3515	107	19	enhanced	enhanced	ADJ
easat-3515	107	20	loan	loan	NOUN
easat-3515	107	21	product	product	NOUN
easat-3515	107	22	recommendations	recommendation	NOUN
easat-3515	107	23	and	and	CCONJ
easat-3515	107	24	a	a	DET
easat-3515	107	25	diminution	diminution	NOUN
easat-3515	107	26	in	in	ADP
easat-3515	107	27	credit	credit	NOUN
easat-3515	107	28	risk	risk	NOUN
easat-3515	107	29	.	.	PUNCT
easat-3515	108	1	in	in	ADP
easat-3515	108	2	conclusion	conclusion	NOUN
easat-3515	108	3	,	,	PUNCT
easat-3515	108	4	this	this	DET
easat-3515	108	5	manuscript	manuscript	NOUN
easat-3515	108	6	accentuates	accentuate	VERB
easat-3515	108	7	the	the	DET
easat-3515	108	8	pragmatic	pragmatic	ADJ
easat-3515	108	9	ramifications	ramification	NOUN
easat-3515	108	10	of	of	ADP
easat-3515	108	11	harnessing	harness	VERB
easat-3515	108	12	advanced	advanced	ADJ
easat-3515	108	13	analytics	analytic	NOUN
easat-3515	108	14	and	and	CCONJ
easat-3515	108	15	bi	bi	NOUN
easat-3515	108	16	instruments	instrument	NOUN
easat-3515	108	17	in	in	ADP
easat-3515	108	18	the	the	DET
easat-3515	108	19	banking	banking	NOUN
easat-3515	108	20	sector	sector	NOUN
easat-3515	108	21	.	.	PUNCT
easat-3515	109	1	it	it	PRON
easat-3515	109	2	emphasizes	emphasize	VERB
easat-3515	109	3	the	the	DET
easat-3515	109	4	imperative	imperative	NOUN
easat-3515	109	5	for	for	SCONJ
easat-3515	109	6	financial	financial	ADJ
easat-3515	109	7	institutions	institution	NOUN
easat-3515	109	8	to	to	PART
easat-3515	109	9	allocate	allocate	VERB
easat-3515	109	10	resources	resource	NOUN
easat-3515	109	11	to	to	ADP
easat-3515	109	12	data	datum	NOUN
easat-3515	109	13	quality	quality	NOUN
easat-3515	109	14	initiatives	initiative	NOUN
easat-3515	109	15	and	and	CCONJ
easat-3515	109	16	embrace	embrace	VERB
easat-3515	109	17	comprehensive	comprehensive	ADJ
easat-3515	109	18	analytical	analytical	ADJ
easat-3515	109	19	frameworks	framework	NOUN
easat-3515	109	20	that	that	PRON
easat-3515	109	21	can	can	AUX
easat-3515	109	22	underpin	underpin	VERB
easat-3515	109	23	improved	improved	ADJ
easat-3515	109	24	decision	decision	NOUN
easat-3515	109	25	-	-	PUNCT
easat-3515	109	26	making	making	NOUN
easat-3515	109	27	,	,	PUNCT
easat-3515	109	28	customer	customer	NOUN
easat-3515	109	29	segmentation	segmentation	NOUN
easat-3515	109	30	,	,	PUNCT
easat-3515	109	31	and	and	CCONJ
easat-3515	109	32	regulatory	regulatory	ADJ
easat-3515	109	33	adherence	adherence	NOUN
easat-3515	109	34	.	.	PUNCT
easat-3515	110	1	the	the	DET
easat-3515	110	2	amalgamation	amalgamation	NOUN
easat-3515	110	3	of	of	ADP
easat-3515	110	4	sql	sql	PROPN
easat-3515	110	5	,	,	PUNCT
easat-3515	110	6	power	power	NOUN
easat-3515	110	7	bi	bi	NOUN
easat-3515	110	8	,	,	PUNCT
easat-3515	110	9	and	and	CCONJ
easat-3515	110	10	python	python	NOUN
easat-3515	110	11	has	have	AUX
easat-3515	110	12	demonstrated	demonstrate	VERB
easat-3515	110	13	to	to	PART
easat-3515	110	14	be	be	AUX
easat-3515	110	15	a	a	DET
easat-3515	110	16	remarkably	remarkably	ADV
easat-3515	110	17	effective	effective	ADJ
easat-3515	110	18	synthesis	synthesis	NOUN
easat-3515	110	19	for	for	ADP
easat-3515	110	20	enabling	enable	VERB
easat-3515	110	21	banks	bank	NOUN
easat-3515	110	22	to	to	PART
easat-3515	110	23	realize	realize	VERB
easat-3515	110	24	these	these	DET
easat-3515	110	25	objectives	objective	NOUN
easat-3515	110	26	,	,	PUNCT
easat-3515	110	27	ultimately	ultimately	ADV
easat-3515	110	28	fostering	foster	VERB
easat-3515	110	29	operational	operational	ADJ
easat-3515	110	30	enhancements	enhancement	NOUN
easat-3515	110	31	and	and	CCONJ
easat-3515	110	32	promoting	promote	VERB
easat-3515	110	33	sustainable	sustainable	ADJ
easat-3515	110	34	growth	growth	NOUN
easat-3515	110	35	within	within	ADP
easat-3515	110	36	the	the	DET
easat-3515	110	37	dynamic	dynamic	ADJ
easat-3515	110	38	banking	banking	NOUN
easat-3515	110	39	industry	industry	NOUN
easat-3515	110	40	.	.	PUNCT
easat-3515	111	1	copyright	copyright	NOUN
easat-3515	111	2	:	:	PUNCT
easat-3515	111	3	©	©	PROPN
easat-3515	111	4	2024	2024	NUM
easat-3515	111	5	by	by	ADP
easat-3515	111	6	the	the	DET
easat-3515	111	7	authors	author	NOUN
easat-3515	111	8	.	.	PUNCT
easat-3515	112	1	this	this	DET
easat-3515	112	2	article	article	NOUN
easat-3515	112	3	is	be	AUX
easat-3515	112	4	an	an	DET
easat-3515	112	5	open	open	ADJ
easat-3515	112	6	access	access	NOUN
easat-3515	112	7	article	article	NOUN
easat-3515	112	8	distributed	distribute	VERB
easat-3515	112	9	under	under	ADP
easat-3515	112	10	the	the	DET
easat-3515	112	11	terms	term	NOUN
easat-3515	112	12	and	and	CCONJ
easat-3515	112	13	conditions	condition	NOUN
easat-3515	112	14	of	of	ADP
easat-3515	112	15	the	the	DET
easat-3515	112	16	creative	creative	ADJ
easat-3515	112	17	commons	common	NOUN
easat-3515	112	18	attribution	attribution	NOUN
easat-3515	112	19	(	(	PUNCT
easat-3515	112	20	cc	cc	NOUN
easat-3515	112	21	by	by	ADP
easat-3515	112	22	)	)	PUNCT
easat-3515	112	23	license	license	NOUN
easat-3515	112	24	(	(	PUNCT
easat-3515	112	25	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-3515	112	26	)	)	PUNCT
easat-3515	112	27	.	.	PUNCT
easat-3515	113	1	references	reference	NOUN
easat-3515	113	2	[	[	X
easat-3515	113	3	1	1	NUM
easat-3515	113	4	]	]	X
easat-3515	113	5	karamani	karamani	X
easat-3515	113	6	,	,	PUNCT
easat-3515	113	7	b.	b.	PROPN
easat-3515	113	8	data	data	PROPN
easat-3515	113	9	quality	quality	PROPN
easat-3515	113	10	analytics	analytic	NOUN
easat-3515	113	11	for	for	ADP
easat-3515	113	12	customer	customer	NOUN
easat-3515	113	13	-	-	PUNCT
easat-3515	113	14	level	level	NOUN
easat-3515	113	15	dataset	dataset	NOUN
easat-3515	113	16	,	,	PUNCT
easat-3515	113	17	5	5	NUM
easat-3515	113	18	.	.	SYM
easat-3515	113	19	2023	2023	NUM
easat-3515	113	20	icitee	icitee	NOUN
easat-3515	113	21	the	the	DET
easat-3515	113	22	2th	2th	ADJ
easat-3515	113	23	international	international	ADJ
easat-3515	113	24	conference	conference	NOUN
easat-3515	113	25	on	on	ADP
easat-3515	113	26	information	information	NOUN
easat-3515	113	27	technologies	technology	NOUN
easat-3515	113	28	and	and	CCONJ
easat-3515	113	29	educational	educational	ADJ
easat-3515	113	30	engineering	engineering	NOUN
easat-3515	113	31	15	15	NUM
easat-3515	113	32	-	-	SYM
easat-3515	113	33	16	16	NUM
easat-3515	113	34	december	december	PROPN
easat-3515	113	35	,	,	PUNCT
easat-3515	113	36	polytechnic	polytechnic	ADJ
easat-3515	113	37	university	university	NOUN
easat-3515	113	38	of	of	ADP
easat-3515	113	39	tirana	tirana	PROPN
easat-3515	113	40	,	,	PUNCT
easat-3515	113	41	albania	albania	PROPN
easat-3515	113	42	,	,	PUNCT
easat-3515	113	43	2023	2023	NUM
easat-3515	113	44	.	.	PUNCT
easat-3515	114	1	[	[	X
easat-3515	114	2	2	2	NUM
easat-3515	114	3	]	]	PUNCT
easat-3515	114	4	sharma	sharma	PROPN
easat-3515	114	5	,	,	PUNCT
easat-3515	114	6	r.	r.	PROPN
easat-3515	114	7	analytics	analytic	NOUN
easat-3515	114	8	in	in	ADP
easat-3515	114	9	banking	banking	NOUN
easat-3515	114	10	:	:	PUNCT
easat-3515	114	11	a	a	DET
easat-3515	114	12	comprehensive	comprehensive	ADJ
easat-3515	114	13	guide	guide	NOUN
easat-3515	114	14	to	to	PART
easat-3515	114	15	risk	risk	VERB
easat-3515	114	16	,	,	PUNCT
easat-3515	114	17	marketing	marketing	NOUN
easat-3515	114	18	,	,	PUNCT
easat-3515	114	19	pricing	pricing	NOUN
easat-3515	114	20	,	,	PUNCT
easat-3515	114	21	and	and	CCONJ
easat-3515	114	22	product	product	NOUN
easat-3515	114	23	development	development	NOUN
easat-3515	114	24	.	.	PUNCT
easat-3515	115	1	wiley	wiley	PROPN
easat-3515	115	2	,	,	PUNCT
easat-3515	115	3	2019	2019	NUM
easat-3515	115	4	.	.	PUNCT
easat-3515	116	1	[	[	X
easat-3515	116	2	3	3	NUM
easat-3515	116	3	]	]	X
easat-3515	116	4	janssen	janssen	PROPN
easat-3515	116	5	,	,	PUNCT
easat-3515	116	6	m.	m.	NOUN
easat-3515	116	7	,	,	PUNCT
easat-3515	116	8	&	&	CCONJ
easat-3515	116	9	kuk	kuk	PROPN
easat-3515	116	10	,	,	PUNCT
easat-3515	116	11	g.	g.	PROPN
easat-3515	116	12	governance	governance	PROPN
easat-3515	116	13	and	and	CCONJ
easat-3515	116	14	business	business	NOUN
easat-3515	116	15	process	process	NOUN
easat-3515	116	16	management	management	NOUN
easat-3515	116	17	in	in	ADP
easat-3515	116	18	banking	banking	NOUN
easat-3515	116	19	.	.	PUNCT
easat-3515	117	1	business	business	NOUN
easat-3515	117	2	process	process	NOUN
easat-3515	117	3	management	management	NOUN
easat-3515	117	4	journal	journal	NOUN
easat-3515	117	5	,	,	PUNCT
easat-3515	117	6	22(6	22(6	NUM
easat-3515	117	7	)	)	PUNCT
easat-3515	117	8	,	,	PUNCT
easat-3515	117	9	1124	1124	NUM
easat-3515	117	10	-	-	SYM
easat-3515	117	11	1148	1148	NUM
easat-3515	117	12	,	,	PUNCT
easat-3515	117	13	2016	2016	NUM
easat-3515	117	14	.	.	PUNCT
easat-3515	118	1	[	[	X
easat-3515	118	2	4	4	NUM
easat-3515	118	3	]	]	X
easat-3515	118	4	deloitte	deloitte	NOUN
easat-3515	118	5	.	.	PUNCT
easat-3515	118	6	banking	banking	NOUN
easat-3515	118	7	personalization	personalization	NOUN
easat-3515	118	8	:	:	PUNCT
easat-3515	118	9	3	3	NUM
easat-3515	118	10	keys	key	NOUN
easat-3515	118	11	to	to	ADP
easat-3515	118	12	increasing	increase	VERB
easat-3515	118	13	customer	customer	NOUN
easat-3515	118	14	engagement	engagement	NOUN
easat-3515	118	15	,	,	PUNCT
easat-3515	118	16	2021	2021	NUM
easat-3515	118	17	.	.	PUNCT
easat-3515	119	1	retrieved	retrieve	VERB
easat-3515	119	2	from	from	ADP
easat-3515	119	3	:	:	PUNCT
easat-3515	119	4	https://www2.deloitte.com/us/en/insights/industry/financial-services/personalization-banking-industry-customerengagement.html	https://www2.deloitte.com/us/en/insights/industry/financial-services/personalization-banking-industry-customerengagement.html	PROPN
easat-3515	119	5	[	[	X
easat-3515	119	6	5	5	NUM
easat-3515	119	7	]	]	X
easat-3515	119	8	mishra	mishra	PROPN
easat-3515	119	9	,	,	PUNCT
easat-3515	119	10	d.	d.	PROPN
easat-3515	119	11	,	,	PUNCT
easat-3515	119	12	&	&	CCONJ
easat-3515	119	13	mishra	mishra	PROPN
easat-3515	119	14	,	,	PUNCT
easat-3515	119	15	a.	a.	NOUN
easat-3515	119	16	personalization	personalization	NOUN
easat-3515	119	17	in	in	ADP
easat-3515	119	18	banking	banking	NOUN
easat-3515	119	19	services	service	NOUN
easat-3515	119	20	:	:	PUNCT
easat-3515	119	21	a	a	DET
easat-3515	119	22	study	study	NOUN
easat-3515	119	23	of	of	ADP
easat-3515	119	24	indian	indian	ADJ
easat-3515	119	25	banks	bank	NOUN
easat-3515	119	26	.	.	PUNCT
easat-3515	120	1	journal	journal	PROPN
easat-3515	120	2	of	of	ADP
easat-3515	120	3	digital	digital	PROPN
easat-3515	120	4	banking	banking	NOUN
easat-3515	120	5	,	,	PUNCT
easat-3515	120	6	4(3	4(3	NUM
easat-3515	120	7	)	)	PUNCT
easat-3515	120	8	,	,	PUNCT
easat-3515	120	9	256	256	NUM
easat-3515	120	10	-	-	NUM
easat-3515	120	11	272,2020	272,2020	NUM
easat-3515	120	12	.	.	PUNCT
easat-3515	121	1	[	[	X
easat-3515	121	2	6	6	NUM
easat-3515	121	3	]	]	X
easat-3515	121	4	redman	redman	PROPN
easat-3515	121	5	,	,	PUNCT
easat-3515	121	6	t.c	t.c	PROPN
easat-3515	121	7	.	.	PROPN
easat-3515	121	8	data	datum	NOUN
easat-3515	121	9	driven	drive	VERB
easat-3515	121	10	:	:	PUNCT
easat-3515	121	11	creating	create	VERB
easat-3515	121	12	a	a	DET
easat-3515	121	13	data	data	NOUN
easat-3515	121	14	culture	culture	NOUN
easat-3515	121	15	.	.	PUNCT
easat-3515	122	1	harvard	harvard	PROPN
easat-3515	122	2	business	business	PROPN
easat-3515	122	3	review	review	PROPN
easat-3515	122	4	press	press	NOUN
easat-3515	122	5	.	.	PUNCT
easat-3515	123	1	2018	2018	NUM
easat-3515	124	1	[	[	X
easat-3515	124	2	7	7	NUM
easat-3515	124	3	]	]	SYM
easat-3515	124	4	li	li	PROPN
easat-3515	124	5	,	,	PUNCT
easat-3515	124	6	s.	s.	PROPN
easat-3515	124	7	,	,	PUNCT
easat-3515	124	8	&	&	CCONJ
easat-3515	124	9	beloglazov	beloglazov	NOUN
easat-3515	124	10	,	,	PUNCT
easat-3515	124	11	a.	a.	NOUN
easat-3515	124	12	data	data	PROPN
easat-3515	124	13	quality	quality	NOUN
easat-3515	124	14	assessment	assessment	NOUN
easat-3515	124	15	framework	framework	NOUN
easat-3515	124	16	for	for	ADP
easat-3515	124	17	banking	banking	NOUN
easat-3515	124	18	systems	system	NOUN
easat-3515	124	19	.	.	PUNCT
easat-3515	125	1	ieee	ieee	NOUN
easat-3515	125	2	access	access	NOUN
easat-3515	125	3	,	,	PUNCT
easat-3515	125	4	8	8	NUM
easat-3515	125	5	,	,	PUNCT
easat-3515	125	6	84731	84731	NUM
easat-3515	125	7	-	-	SYM
easat-3515	125	8	84744	84744	NUM
easat-3515	125	9	,	,	PUNCT
easat-3515	125	10	2020	2020	NUM
easat-3515	125	11	.	.	PUNCT
easat-3515	126	1	[	[	X
easat-3515	126	2	8	8	NUM
easat-3515	126	3	]	]	SYM
easat-3515	126	4	xing	xing	PROPN
easat-3515	126	5	,	,	PUNCT
easat-3515	126	6	h.	h.	PROPN
easat-3515	126	7	,	,	PUNCT
easat-3515	126	8	peng	peng	PROPN
easat-3515	126	9	,	,	PUNCT
easat-3515	126	10	m.	m.	NOUN
easat-3515	126	11	,	,	PUNCT
easat-3515	126	12	&	&	CCONJ
easat-3515	126	13	zhu	zhu	PROPN
easat-3515	126	14	,	,	PUNCT
easat-3515	126	15	h.	h.	PROPN
easat-3515	126	16	a	a	DET
easat-3515	126	17	comprehensive	comprehensive	ADJ
easat-3515	126	18	review	review	NOUN
easat-3515	126	19	of	of	ADP
easat-3515	126	20	data	datum	NOUN
easat-3515	126	21	source	source	NOUN
easat-3515	126	22	selection	selection	NOUN
easat-3515	126	23	methods	method	NOUN
easat-3515	126	24	for	for	ADP
easat-3515	126	25	data	datum	NOUN
easat-3515	126	26	analysis	analysis	NOUN
easat-3515	126	27	in	in	ADP
easat-3515	126	28	big	big	ADJ
easat-3515	126	29	data	datum	NOUN
easat-3515	126	30	environment	environment	NOUN
easat-3515	126	31	.	.	PUNCT
easat-3515	127	1	6th	6th	ADJ
easat-3515	127	2	international	international	ADJ
easat-3515	127	3	conference	conference	NOUN
easat-3515	127	4	on	on	ADP
easat-3515	127	5	control	control	NOUN
easat-3515	127	6	,	,	PUNCT
easat-3515	127	7	automation	automation	NOUN
easat-3515	127	8	and	and	CCONJ
easat-3515	127	9	robotics	robotic	NOUN
easat-3515	127	10	(	(	PUNCT
easat-3515	127	11	iccar	iccar	NOUN
easat-3515	127	12	)	)	PUNCT
easat-3515	127	13	pp	pp	ADV
easat-3515	127	14	.	.	PUNCT
easat-3515	128	1	59	59	NUM
easat-3515	128	2	-	-	SYM
easat-3515	128	3	64	64	NUM
easat-3515	128	4	,	,	PUNCT
easat-3515	128	5	2020	2020	NUM
easat-3515	128	6	.	.	PUNCT
easat-3515	129	1	[	[	X
easat-3515	129	2	9	9	NUM
easat-3515	129	3	]	]	SYM
easat-3515	129	4	alexopoulos	alexopoulo	NOUN
easat-3515	129	5	,	,	PUNCT
easat-3515	129	6	a.	a.	NOUN
easat-3515	129	7	et	et	PROPN
easat-3515	129	8	al	al	PROPN
easat-3515	129	9	.	.	PUNCT
easat-3515	130	1	big	big	ADJ
easat-3515	130	2	data	datum	NOUN
easat-3515	130	3	analytics	analytic	NOUN
easat-3515	130	4	in	in	ADP
easat-3515	130	5	the	the	DET
easat-3515	130	6	banking	banking	NOUN
easat-3515	130	7	sector	sector	NOUN
easat-3515	130	8	:	:	PUNCT
easat-3515	130	9	guidelines	guideline	NOUN
easat-3515	130	10	and	and	CCONJ
easat-3515	130	11	lessons	lesson	NOUN
easat-3515	130	12	learned	learn	VERB
easat-3515	130	13	from	from	ADP
easat-3515	130	14	the	the	DET
easat-3515	130	15	caixabank	caixabank	ADJ
easat-3515	130	16	case	case	NOUN
easat-3515	130	17	,	,	PUNCT
easat-3515	130	18	technologies	technology	NOUN
easat-3515	130	19	,	,	PUNCT
easat-3515	130	20	and	and	CCONJ
easat-3515	130	21	applications	application	NOUN
easat-3515	130	22	for	for	ADP
easat-3515	130	23	big	big	ADJ
easat-3515	130	24	data	datum	NOUN
easat-3515	130	25	value	value	NOUN
easat-3515	130	26	pp	pp	ADP
easat-3515	130	27	273–297	273–297	NUM
easat-3515	130	28	,	,	PUNCT
easat-3515	130	29	2022	2022	NUM
easat-3515	130	30	.	.	PUNCT
easat-3515	131	1	https://link.springer.com/chapter/10.1007/978-3-030-78307-5_13	https://link.springer.com/chapter/10.1007/978-3-030-78307-5_13	NOUN
easat-3515	132	1	[	[	X
easat-3515	132	2	10	10	NUM
easat-3515	132	3	]	]	PUNCT
easat-3515	132	4	he	he	PRON
easat-3515	132	5	,	,	PUNCT
easat-3515	132	6	w.	w.	PROPN
easat-3515	132	7	,	,	PUNCT
easat-3515	132	8	hung	hung	PROPN
easat-3515	132	9	,	,	PUNCT
easat-3515	132	10	j.-l	j.-l	PROPN
easat-3515	132	11	.	.	PUNCT
easat-3515	133	1	and	and	CCONJ
easat-3515	133	2	liu	liu	PROPN
easat-3515	133	3	,	,	PUNCT
easat-3515	133	4	l.	l.	PROPN
easat-3515	133	5	impact	impact	NOUN
easat-3515	133	6	of	of	ADP
easat-3515	133	7	big	big	ADJ
easat-3515	133	8	data	datum	NOUN
easat-3515	133	9	analytics	analytic	NOUN
easat-3515	133	10	on	on	ADP
easat-3515	133	11	banking	banking	NOUN
easat-3515	133	12	:	:	PUNCT
easat-3515	133	13	a	a	DET
easat-3515	133	14	case	case	NOUN
easat-3515	133	15	study	study	NOUN
easat-3515	133	16	,	,	PUNCT
easat-3515	133	17	journal	journal	NOUN
easat-3515	133	18	of	of	ADP
easat-3515	133	19	enterprise	enterprise	NOUN
easat-3515	133	20	information	information	NOUN
easat-3515	133	21	management	management	NOUN
easat-3515	133	22	,	,	PUNCT
easat-3515	133	23	vol	vol	NOUN
easat-3515	133	24	.	.	PROPN
easat-3515	134	1	36	36	NUM
easat-3515	134	2	no	no	NOUN
easat-3515	134	3	.	.	NOUN
easat-3515	135	1	2	2	NUM
easat-3515	135	2	,	,	PUNCT
easat-3515	135	3	pp	pp	ADJ
easat-3515	135	4	.	.	PUNCT
easat-3515	136	1	459	459	NUM
easat-3515	136	2	-	-	SYM
easat-3515	136	3	479	479	NUM
easat-3515	136	4	.	.	PUNCT
easat-3515	137	1	2023	2023	NUM
easat-3515	137	2	.	.	PUNCT
easat-3515	138	1	https://doi.org/10.1108/jeim-05-2020-0176	https://doi.org/10.1108/jeim-05-2020-0176	PROPN
easat-3515	138	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-3515	138	3	https://www2.deloitte.com/us/en/insights/industry/financial-services/personalization-banking-industry-customer-engagement.html	https://www2.deloitte.com/us/en/insights/industry/financial-services/personalization-banking-industry-customer-engagement.html	PROPN
easat-3515	138	4	https://www2.deloitte.com/us/en/insights/industry/financial-services/personalization-banking-industry-customer-engagement.html	https://www2.deloitte.com/us/en/insights/industry/financial-services/personalization-banking-industry-customer-engagement.html	PROPN