id	sid	tid	token	lemma	pos
easat-5254	1	1	edelweiss	edelweiss	PROPN
easat-5254	1	2	applied	apply	VERB
easat-5254	1	3	science	science	NOUN
easat-5254	1	4	and	and	CCONJ
easat-5254	1	5	technology	technology	NOUN
easat-5254	1	6	issn	issn	PROPN
easat-5254	1	7	:	:	PUNCT
easat-5254	1	8	2576	2576	NUM
easat-5254	1	9	-	-	SYM
easat-5254	1	10	8484	8484	NUM
easat-5254	1	11	vol	vol	NOUN
easat-5254	1	12	.	.	PROPN
easat-5254	2	1	9	9	NUM
easat-5254	2	2	,	,	PUNCT
easat-5254	2	3	no	no	INTJ
easat-5254	2	4	.	.	NOUN
easat-5254	2	5	3	3	NUM
easat-5254	2	6	,	,	PUNCT
easat-5254	2	7	552	552	NUM
easat-5254	2	8	-	-	SYM
easat-5254	2	9	567	567	NUM
easat-5254	2	10	2025	2025	NUM
easat-5254	2	11	publisher	publisher	NOUN
easat-5254	2	12	:	:	PUNCT
easat-5254	2	13	learning	learn	VERB
easat-5254	2	14	gate	gate	NOUN
easat-5254	2	15	doi	doi	PROPN
easat-5254	2	16	:	:	PUNCT
easat-5254	2	17	10.55214/25768484.v9i3.5254	10.55214/25768484.v9i3.5254	PROPN
easat-5254	2	18	©	©	PROPN
easat-5254	2	19	2025	2025	NUM
easat-5254	2	20	by	by	ADP
easat-5254	2	21	the	the	DET
easat-5254	2	22	authors	author	NOUN
easat-5254	2	23	;	;	PUNCT
easat-5254	2	24	licensee	licensee	PROPN
easat-5254	2	25	learning	learning	NOUN
easat-5254	2	26	gate	gate	NOUN
easat-5254	3	1	©	©	PROPN
easat-5254	3	2	2025	2025	NUM
easat-5254	3	3	by	by	ADP
easat-5254	3	4	the	the	DET
easat-5254	3	5	authors	author	NOUN
easat-5254	3	6	;	;	PUNCT
easat-5254	3	7	licensee	licensee	PROPN
easat-5254	3	8	learning	learning	NOUN
easat-5254	3	9	gate	gate	NOUN
easat-5254	3	10	history	history	NOUN
easat-5254	3	11	:	:	PUNCT
easat-5254	3	12	received	receive	VERB
easat-5254	3	13	:	:	PUNCT
easat-5254	3	14	30	30	NUM
easat-5254	3	15	december	december	PROPN
easat-5254	3	16	2024	2024	NUM
easat-5254	3	17	;	;	PUNCT
easat-5254	3	18	revised	revise	VERB
easat-5254	3	19	:	:	PUNCT
easat-5254	3	20	21	21	NUM
easat-5254	3	21	february	february	NOUN
easat-5254	3	22	2025	2025	NUM
easat-5254	3	23	;	;	PUNCT
easat-5254	3	24	accepted	accept	VERB
easat-5254	3	25	:	:	PUNCT
easat-5254	3	26	24	24	NUM
easat-5254	3	27	february	february	NOUN
easat-5254	3	28	2025	2025	NUM
easat-5254	3	29	;	;	PUNCT
easat-5254	3	30	published	publish	VERB
easat-5254	3	31	:	:	PUNCT
easat-5254	3	32	7	7	NUM
easat-5254	3	33	march	march	NOUN
easat-5254	3	34	2025	2025	NUM
easat-5254	3	35	*	*	PUNCT
easat-5254	3	36	correspondence	correspondence	NOUN
easat-5254	3	37	:	:	PUNCT
easat-5254	3	38	huangfei@assist.ac.kr	huangfei@assist.ac.kr	X
easat-5254	3	39	the	the	DET
easat-5254	3	40	role	role	NOUN
easat-5254	3	41	of	of	ADP
easat-5254	3	42	intelligent	intelligent	ADJ
easat-5254	3	43	algorithms	algorithm	NOUN
easat-5254	3	44	in	in	ADP
easat-5254	3	45	systemic	systemic	ADJ
easat-5254	3	46	financial	financial	ADJ
easat-5254	3	47	risk	risk	NOUN
easat-5254	3	48	identification	identification	NOUN
easat-5254	3	49	:	:	PUNCT
easat-5254	3	50	an	an	DET
easat-5254	3	51	empirical	empirical	ADJ
easat-5254	3	52	study	study	NOUN
easat-5254	3	53	of	of	ADP
easat-5254	3	54	chinese	chinese	ADJ
easat-5254	3	55	banking	banking	NOUN
easat-5254	3	56	sector	sector	NOUN
easat-5254	3	57	ziwei	ziwei	PROPN
easat-5254	3	58	yu1	yu1	PROPN
easat-5254	3	59	,	,	PUNCT
easat-5254	3	60	fei	fei	PROPN
easat-5254	3	61	huang2	huang2	PROPN
easat-5254	3	62	*	*	PROPN
easat-5254	3	63	1,2assist	1,2assist	PROPN
easat-5254	3	64	university	university	NOUN
easat-5254	3	65	,	,	PUNCT
easat-5254	3	66	46	46	NUM
easat-5254	3	67	,	,	PUNCT
easat-5254	3	68	ewhayeodae	ewhayeodae	VERB
easat-5254	3	69	2	2	NUM
easat-5254	3	70	-	-	PUNCT
easat-5254	3	71	gil	gil	NOUN
easat-5254	3	72	,	,	PUNCT
easat-5254	3	73	seodaemun	seodaemun	NOUN
easat-5254	3	74	-	-	PUNCT
easat-5254	3	75	gu	gu	NOUN
easat-5254	3	76	,	,	PUNCT
easat-5254	3	77	seoul	seoul	PROPN
easat-5254	3	78	,	,	PUNCT
easat-5254	3	79	korea	korea	PROPN
easat-5254	3	80	;	;	PUNCT
easat-5254	3	81	yu.ziwei@outlook.co	yu.ziwei@outlook.co	PROPN
easat-5254	3	82	(	(	PUNCT
easat-5254	3	83	z.y	z.y	PROPN
easat-5254	3	84	.	.	PUNCT
easat-5254	3	85	)	)	PUNCT
easat-5254	4	1	huangfei@assist.ac.kr	huangfei@assist.ac.kr	X
easat-5254	4	2	(	(	PUNCT
easat-5254	4	3	f.h	f.h	PROPN
easat-5254	4	4	.	.	PROPN
easat-5254	4	5	)	)	PUNCT
easat-5254	5	1	abstract	abstract	NOUN
easat-5254	5	2	:	:	PUNCT
easat-5254	5	3	this	this	DET
easat-5254	5	4	study	study	NOUN
easat-5254	5	5	investigates	investigate	VERB
easat-5254	5	6	how	how	SCONJ
easat-5254	5	7	intelligent	intelligent	ADJ
easat-5254	5	8	algorithms	algorithm	NOUN
easat-5254	5	9	enhance	enhance	VERB
easat-5254	5	10	systemic	systemic	ADJ
easat-5254	5	11	financial	financial	ADJ
easat-5254	5	12	risk	risk	NOUN
easat-5254	5	13	identification	identification	NOUN
easat-5254	5	14	in	in	ADP
easat-5254	5	15	chinese	chinese	ADJ
easat-5254	5	16	banking	banking	NOUN
easat-5254	5	17	,	,	PUNCT
easat-5254	5	18	addressing	address	VERB
easat-5254	5	19	the	the	DET
easat-5254	5	20	gap	gap	NOUN
easat-5254	5	21	between	between	ADP
easat-5254	5	22	technological	technological	ADJ
easat-5254	5	23	capabilities	capability	NOUN
easat-5254	5	24	and	and	CCONJ
easat-5254	5	25	risk	risk	NOUN
easat-5254	5	26	management	management	NOUN
easat-5254	5	27	applications	application	NOUN
easat-5254	5	28	.	.	PUNCT
easat-5254	6	1	we	we	PRON
easat-5254	6	2	analyze	analyze	VERB
easat-5254	6	3	36	36	NUM
easat-5254	6	4	listed	list	VERB
easat-5254	6	5	commercial	commercial	ADJ
easat-5254	6	6	banks	bank	NOUN
easat-5254	6	7	from	from	ADP
easat-5254	6	8	2018	2018	NUM
easat-5254	6	9	to	to	ADP
easat-5254	6	10	2023	2023	NUM
easat-5254	6	11	using	use	VERB
easat-5254	6	12	instrumental	instrumental	ADJ
easat-5254	6	13	variable	variable	ADJ
easat-5254	6	14	estimation	estimation	NOUN
easat-5254	6	15	and	and	CCONJ
easat-5254	6	16	difference	difference	NOUN
easat-5254	6	17	-	-	PUNCT
easat-5254	6	18	in	in	ADP
easat-5254	6	19	-	-	PUNCT
easat-5254	6	20	differences	difference	NOUN
easat-5254	6	21	analysis	analysis	NOUN
easat-5254	6	22	,	,	PUNCT
easat-5254	6	23	with	with	ADP
easat-5254	6	24	comprehensive	comprehensive	ADJ
easat-5254	6	25	measures	measure	NOUN
easat-5254	6	26	for	for	ADP
easat-5254	6	27	ai	ai	VERB
easat-5254	6	28	implementation	implementation	NOUN
easat-5254	6	29	and	and	CCONJ
easat-5254	6	30	systemic	systemic	ADJ
easat-5254	6	31	risk	risk	NOUN
easat-5254	6	32	(	(	PUNCT
easat-5254	6	33	covar	covar	NOUN
easat-5254	6	34	,	,	PUNCT
easat-5254	6	35	mes	me	NOUN
easat-5254	6	36	,	,	PUNCT
easat-5254	6	37	srisk	srisk	NOUN
easat-5254	6	38	)	)	PUNCT
easat-5254	6	39	.	.	PUNCT
easat-5254	7	1	the	the	DET
easat-5254	7	2	implementation	implementation	NOUN
easat-5254	7	3	of	of	ADP
easat-5254	7	4	intelligent	intelligent	ADJ
easat-5254	7	5	algorithms	algorithm	NOUN
easat-5254	7	6	significantly	significantly	ADV
easat-5254	7	7	reduces	reduce	VERB
easat-5254	7	8	systemic	systemic	ADJ
easat-5254	7	9	risk	risk	NOUN
easat-5254	7	10	exposure	exposure	NOUN
easat-5254	7	11	by	by	ADP
easat-5254	7	12	18.5	18.5	NUM
easat-5254	7	13	%	%	NOUN
easat-5254	7	14	.	.	PUNCT
easat-5254	8	1	the	the	DET
easat-5254	8	2	primary	primary	ADJ
easat-5254	8	3	mechanisms	mechanism	NOUN
easat-5254	8	4	include	include	VERB
easat-5254	8	5	risk	risk	NOUN
easat-5254	8	6	identification	identification	NOUN
easat-5254	8	7	efficiency	efficiency	NOUN
easat-5254	8	8	(	(	PUNCT
easat-5254	8	9	42.3	42.3	NUM
easat-5254	8	10	%	%	NOUN
easat-5254	8	11	)	)	PUNCT
easat-5254	8	12	,	,	PUNCT
easat-5254	8	13	information	information	NOUN
easat-5254	8	14	processing	processing	NOUN
easat-5254	8	15	capacity	capacity	NOUN
easat-5254	8	16	(	(	PUNCT
easat-5254	8	17	35.7	35.7	NUM
easat-5254	8	18	%	%	NOUN
easat-5254	8	19	)	)	PUNCT
easat-5254	8	20	,	,	PUNCT
easat-5254	8	21	and	and	CCONJ
easat-5254	8	22	decision	decision	NOUN
easat-5254	8	23	-	-	PUNCT
easat-5254	8	24	making	make	VERB
easat-5254	8	25	optimization	optimization	NOUN
easat-5254	8	26	(	(	PUNCT
easat-5254	8	27	22.0	22.0	NUM
easat-5254	8	28	%	%	NOUN
easat-5254	8	29	)	)	PUNCT
easat-5254	8	30	.	.	PUNCT
easat-5254	9	1	larger	large	ADJ
easat-5254	9	2	banks	bank	NOUN
easat-5254	9	3	demonstrate	demonstrate	VERB
easat-5254	9	4	stronger	strong	ADJ
easat-5254	9	5	risk	risk	NOUN
easat-5254	9	6	-	-	PUNCT
easat-5254	9	7	reduction	reduction	NOUN
easat-5254	9	8	benefits	benefit	NOUN
easat-5254	9	9	from	from	ADP
easat-5254	9	10	ai	ai	PRON
easat-5254	9	11	implementation	implementation	NOUN
easat-5254	9	12	.	.	PUNCT
easat-5254	10	1	the	the	DET
easat-5254	10	2	research	research	NOUN
easat-5254	10	3	confirms	confirm	VERB
easat-5254	10	4	that	that	SCONJ
easat-5254	10	5	intelligent	intelligent	ADJ
easat-5254	10	6	algorithms	algorithm	NOUN
easat-5254	10	7	substantially	substantially	ADV
easat-5254	10	8	enhance	enhance	VERB
easat-5254	10	9	banks	bank	NOUN
easat-5254	10	10	'	'	PART
easat-5254	10	11	ability	ability	NOUN
easat-5254	10	12	to	to	PART
easat-5254	10	13	identify	identify	VERB
easat-5254	10	14	and	and	CCONJ
easat-5254	10	15	manage	manage	VERB
easat-5254	10	16	systemic	systemic	ADJ
easat-5254	10	17	risk	risk	NOUN
easat-5254	10	18	through	through	ADP
easat-5254	10	19	multiple	multiple	ADJ
easat-5254	10	20	operational	operational	ADJ
easat-5254	10	21	channels	channel	NOUN
easat-5254	10	22	,	,	PUNCT
easat-5254	10	23	with	with	ADP
easat-5254	10	24	effects	effect	NOUN
easat-5254	10	25	varying	vary	VERB
easat-5254	10	26	across	across	ADP
easat-5254	10	27	bank	bank	NOUN
easat-5254	10	28	characteristics	characteristic	NOUN
easat-5254	10	29	and	and	CCONJ
easat-5254	10	30	market	market	NOUN
easat-5254	10	31	conditions	condition	NOUN
easat-5254	10	32	.	.	PUNCT
easat-5254	11	1	regulators	regulator	NOUN
easat-5254	11	2	should	should	AUX
easat-5254	11	3	encourage	encourage	VERB
easat-5254	11	4	ai	ai	VERB
easat-5254	11	5	adoption	adoption	NOUN
easat-5254	11	6	for	for	ADP
easat-5254	11	7	risk	risk	NOUN
easat-5254	11	8	management	management	NOUN
easat-5254	11	9	,	,	PUNCT
easat-5254	11	10	particularly	particularly	ADV
easat-5254	11	11	among	among	ADP
easat-5254	11	12	smaller	small	ADJ
easat-5254	11	13	institutions	institution	NOUN
easat-5254	11	14	,	,	PUNCT
easat-5254	11	15	while	while	SCONJ
easat-5254	11	16	developing	develop	VERB
easat-5254	11	17	standardized	standardized	ADJ
easat-5254	11	18	frameworks	framework	NOUN
easat-5254	11	19	for	for	ADP
easat-5254	11	20	evaluating	evaluate	VERB
easat-5254	11	21	ai	ai	NOUN
easat-5254	11	22	-	-	PUNCT
easat-5254	11	23	based	base	VERB
easat-5254	11	24	systems	system	NOUN
easat-5254	11	25	.	.	PUNCT
easat-5254	12	1	the	the	DET
easat-5254	12	2	heterogeneous	heterogeneous	ADJ
easat-5254	12	3	effects	effect	NOUN
easat-5254	12	4	across	across	ADP
easat-5254	12	5	bank	bank	NOUN
easat-5254	12	6	types	type	NOUN
easat-5254	12	7	suggest	suggest	VERB
easat-5254	12	8	the	the	DET
easat-5254	12	9	need	need	NOUN
easat-5254	12	10	for	for	ADP
easat-5254	12	11	tailored	tailor	VERB
easat-5254	12	12	technological	technological	ADJ
easat-5254	12	13	implementation	implementation	NOUN
easat-5254	12	14	approaches	approach	NOUN
easat-5254	12	15	in	in	ADP
easat-5254	12	16	risk	risk	NOUN
easat-5254	12	17	management	management	NOUN
easat-5254	12	18	.	.	PUNCT
easat-5254	13	1	keywords	keyword	NOUN
easat-5254	13	2	:	:	PUNCT
easat-5254	13	3	artificial	artificial	ADJ
easat-5254	13	4	intelligence	intelligence	NOUN
easat-5254	13	5	,	,	PUNCT
easat-5254	13	6	chinese	chinese	ADJ
easat-5254	13	7	banks	bank	NOUN
easat-5254	13	8	,	,	PUNCT
easat-5254	13	9	intelligent	intelligent	ADJ
easat-5254	13	10	algorithms	algorithm	NOUN
easat-5254	13	11	,	,	PUNCT
easat-5254	13	12	risk	risk	NOUN
easat-5254	13	13	identification	identification	NOUN
easat-5254	13	14	systemic	systemic	ADJ
easat-5254	13	15	risk	risk	NOUN
easat-5254	13	16	.	.	PUNCT
easat-5254	14	1	1	1	X
easat-5254	14	2	.	.	X
easat-5254	14	3	introduction	introduction	NOUN
easat-5254	14	4	the	the	DET
easat-5254	14	5	increasing	increase	VERB
easat-5254	14	6	complexity	complexity	NOUN
easat-5254	14	7	of	of	ADP
easat-5254	14	8	financial	financial	ADJ
easat-5254	14	9	networks	network	NOUN
easat-5254	14	10	and	and	CCONJ
easat-5254	14	11	their	their	PRON
easat-5254	14	12	interconnected	interconnected	ADJ
easat-5254	14	13	attributes	attribute	NOUN
easat-5254	14	14	have	have	VERB
easat-5254	14	15	profound	profound	ADJ
easat-5254	14	16	implications	implication	NOUN
easat-5254	14	17	for	for	ADP
easat-5254	14	18	the	the	DET
easat-5254	14	19	regulation	regulation	NOUN
easat-5254	14	20	of	of	ADP
easat-5254	14	21	systemic	systemic	ADJ
easat-5254	14	22	risk	risk	NOUN
easat-5254	14	23	in	in	ADP
easat-5254	14	24	the	the	DET
easat-5254	14	25	banking	banking	NOUN
easat-5254	14	26	sector	sector	NOUN
easat-5254	15	1	[	[	X
easat-5254	15	2	1	1	NUM
easat-5254	15	3	]	]	PUNCT
easat-5254	15	4	.	.	PUNCT
easat-5254	16	1	financial	financial	ADJ
easat-5254	16	2	institutions	institution	NOUN
easat-5254	16	3	face	face	VERB
easat-5254	16	4	unprecedented	unprecedented	ADJ
easat-5254	16	5	challenges	challenge	NOUN
easat-5254	16	6	with	with	ADP
easat-5254	16	7	respect	respect	NOUN
easat-5254	16	8	to	to	ADP
easat-5254	16	9	their	their	PRON
easat-5254	16	10	governance	governance	NOUN
easat-5254	16	11	structures	structure	NOUN
easat-5254	16	12	and	and	CCONJ
easat-5254	16	13	regulatory	regulatory	ADJ
easat-5254	16	14	frameworks	framework	NOUN
easat-5254	16	15	as	as	SCONJ
easat-5254	16	16	they	they	PRON
easat-5254	16	17	seek	seek	VERB
easat-5254	16	18	to	to	PART
easat-5254	16	19	balance	balance	VERB
easat-5254	16	20	principal	principal	ADJ
easat-5254	16	21	-	-	PUNCT
easat-5254	16	22	agent	agent	NOUN
easat-5254	16	23	issues	issue	NOUN
easat-5254	16	24	with	with	ADP
easat-5254	16	25	,	,	PUNCT
easat-5254	16	26	at	at	ADP
easat-5254	16	27	the	the	DET
easat-5254	16	28	same	same	ADJ
easat-5254	16	29	time	time	NOUN
easat-5254	16	30	,	,	PUNCT
easat-5254	16	31	keeping	keep	VERB
easat-5254	16	32	pace	pace	NOUN
easat-5254	16	33	with	with	ADP
easat-5254	16	34	technological	technological	ADJ
easat-5254	16	35	advancements	advancement	NOUN
easat-5254	16	36	[	[	X
easat-5254	16	37	2	2	NUM
easat-5254	16	38	]	]	PUNCT
easat-5254	16	39	.	.	PUNCT
easat-5254	17	1	traditional	traditional	ADJ
easat-5254	17	2	risk	risk	NOUN
easat-5254	17	3	assessment	assessment	NOUN
easat-5254	17	4	methods	method	NOUN
easat-5254	17	5	,	,	PUNCT
easat-5254	17	6	including	include	VERB
easat-5254	17	7	discriminant	discriminant	ADJ
easat-5254	17	8	analysis	analysis	NOUN
easat-5254	17	9	,	,	PUNCT
easat-5254	17	10	are	be	AUX
easat-5254	17	11	being	be	AUX
easat-5254	17	12	refined	refine	VERB
easat-5254	17	13	and	and	CCONJ
easat-5254	17	14	will	will	AUX
easat-5254	17	15	ultimately	ultimately	ADV
easat-5254	17	16	be	be	AUX
easat-5254	17	17	replaced	replace	VERB
easat-5254	17	18	by	by	ADP
easat-5254	17	19	more	more	ADV
easat-5254	17	20	sophisticated	sophisticated	ADJ
easat-5254	17	21	methods	method	NOUN
easat-5254	17	22	involving	involve	VERB
easat-5254	17	23	neural	neural	ADJ
easat-5254	17	24	networks	network	NOUN
easat-5254	18	1	[	[	X
easat-5254	18	2	3	3	NUM
easat-5254	18	3	]	]	PUNCT
easat-5254	18	4	particularly	particularly	ADV
easat-5254	18	5	in	in	ADP
easat-5254	18	6	the	the	DET
easat-5254	18	7	face	face	NOUN
easat-5254	18	8	of	of	ADP
easat-5254	18	9	continued	continue	VERB
easat-5254	18	10	criticisms	criticism	NOUN
easat-5254	18	11	regarding	regard	VERB
easat-5254	18	12	poor	poor	ADJ
easat-5254	18	13	identification	identification	NOUN
easat-5254	18	14	in	in	ADP
easat-5254	18	15	financial	financial	ADJ
easat-5254	18	16	modeling	modeling	NOUN
easat-5254	18	17	techniques	technique	NOUN
easat-5254	18	18	[	[	X
easat-5254	18	19	4	4	NUM
easat-5254	18	20	]	]	PUNCT
easat-5254	18	21	.	.	PUNCT
easat-5254	19	1	the	the	DET
easat-5254	19	2	role	role	NOUN
easat-5254	19	3	of	of	ADP
easat-5254	19	4	financial	financial	ADJ
easat-5254	19	5	technologies	technology	NOUN
easat-5254	19	6	in	in	ADP
easat-5254	19	7	ensuring	ensure	VERB
easat-5254	19	8	the	the	DET
easat-5254	19	9	stability	stability	NOUN
easat-5254	19	10	of	of	ADP
easat-5254	19	11	the	the	DET
easat-5254	19	12	international	international	ADJ
easat-5254	19	13	financial	financial	ADJ
easat-5254	19	14	system	system	NOUN
easat-5254	19	15	has	have	AUX
easat-5254	19	16	become	become	VERB
easat-5254	19	17	a	a	DET
easat-5254	19	18	critical	critical	ADJ
easat-5254	19	19	area	area	NOUN
easat-5254	19	20	of	of	ADP
easat-5254	19	21	focus	focus	NOUN
easat-5254	19	22	for	for	ADP
easat-5254	19	23	both	both	CCONJ
easat-5254	19	24	research	research	NOUN
easat-5254	19	25	and	and	CCONJ
easat-5254	19	26	practice	practice	NOUN
easat-5254	19	27	[	[	X
easat-5254	19	28	5	5	NUM
easat-5254	19	29	]	]	PUNCT
easat-5254	19	30	.	.	PUNCT
easat-5254	20	1	research	research	NOUN
easat-5254	20	2	suggests	suggest	VERB
easat-5254	20	3	that	that	SCONJ
easat-5254	20	4	the	the	DET
easat-5254	20	5	integration	integration	NOUN
easat-5254	20	6	of	of	ADP
easat-5254	20	7	technology	technology	NOUN
easat-5254	20	8	is	be	AUX
easat-5254	20	9	a	a	DET
easat-5254	20	10	critical	critical	ADJ
easat-5254	20	11	factor	factor	NOUN
easat-5254	20	12	in	in	ADP
easat-5254	20	13	increasing	increase	VERB
easat-5254	20	14	productivity	productivity	NOUN
easat-5254	20	15	and	and	CCONJ
easat-5254	20	16	efficiency	efficiency	NOUN
easat-5254	20	17	in	in	ADP
easat-5254	20	18	operations	operation	NOUN
easat-5254	20	19	in	in	ADP
easat-5254	20	20	the	the	DET
easat-5254	20	21	financial	financial	ADJ
easat-5254	20	22	sector	sector	NOUN
easat-5254	21	1	[	[	X
easat-5254	21	2	6	6	NUM
easat-5254	21	3	]	]	PUNCT
easat-5254	21	4	.	.	PUNCT
easat-5254	22	1	the	the	DET
easat-5254	22	2	inter	inter	NOUN
easat-5254	22	3	-	-	NOUN
easat-5254	22	4	connectedness	connectedness	NOUN
easat-5254	22	5	of	of	ADP
easat-5254	22	6	financial	financial	ADJ
easat-5254	22	7	institutions	institution	NOUN
easat-5254	22	8	has	have	AUX
easat-5254	22	9	brought	bring	VERB
easat-5254	22	10	new	new	ADJ
easat-5254	22	11	dimensions	dimension	NOUN
easat-5254	22	12	to	to	ADP
easat-5254	22	13	the	the	DET
easat-5254	22	14	evaluation	evaluation	NOUN
easat-5254	22	15	and	and	CCONJ
easat-5254	22	16	management	management	NOUN
easat-5254	22	17	of	of	ADP
easat-5254	22	18	systemic	systemic	ADJ
easat-5254	22	19	risk	risk	NOUN
easat-5254	23	1	[	[	X
easat-5254	23	2	7	7	X
easat-5254	23	3	]	]	PUNCT
easat-5254	23	4	thus	thus	ADV
easat-5254	23	5	requiring	require	VERB
easat-5254	23	6	the	the	DET
easat-5254	23	7	development	development	NOUN
easat-5254	23	8	of	of	ADP
easat-5254	23	9	more	more	ADV
easat-5254	23	10	sophisticated	sophisticated	ADJ
easat-5254	23	11	ai	ai	NOUN
easat-5254	23	12	-	-	PUNCT
easat-5254	23	13	based	base	VERB
easat-5254	23	14	methods	method	NOUN
easat-5254	23	15	for	for	ADP
easat-5254	23	16	managing	manage	VERB
easat-5254	23	17	financial	financial	ADJ
easat-5254	23	18	risk	risk	NOUN
easat-5254	23	19	[	[	X
easat-5254	23	20	8	8	NUM
easat-5254	23	21	]	]	PUNCT
easat-5254	23	22	.	.	PUNCT
easat-5254	24	1	current	current	ADJ
easat-5254	24	2	research	research	NOUN
easat-5254	24	3	has	have	AUX
easat-5254	24	4	particularly	particularly	ADV
easat-5254	24	5	pointed	point	VERB
easat-5254	24	6	out	out	ADP
easat-5254	24	7	the	the	DET
easat-5254	24	8	growing	grow	VERB
easat-5254	24	9	importance	importance	NOUN
easat-5254	24	10	of	of	ADP
easat-5254	24	11	understanding	understand	VERB
easat-5254	24	12	tail	tail	NOUN
easat-5254	24	13	risk	risk	NOUN
easat-5254	24	14	and	and	CCONJ
easat-5254	24	15	systemic	systemic	ADJ
easat-5254	24	16	risk	risk	NOUN
easat-5254	24	17	of	of	ADP
easat-5254	24	18	fintech	fintech	NOUN
easat-5254	24	19	firms	firm	NOUN
easat-5254	24	20	[	[	X
easat-5254	24	21	9	9	NUM
easat-5254	24	22	]	]	PUNCT
easat-5254	24	23	while	while	SCONJ
easat-5254	24	24	geographic	geographic	ADJ
easat-5254	24	25	diversification	diversification	NOUN
easat-5254	24	26	of	of	ADP
easat-5254	24	27	banking	banking	NOUN
easat-5254	24	28	institutions	institution	NOUN
easat-5254	24	29	has	have	AUX
easat-5254	24	30	emerged	emerge	VERB
easat-5254	24	31	as	as	ADP
easat-5254	24	32	a	a	DET
easat-5254	24	33	critical	critical	ADJ
easat-5254	24	34	determinant	determinant	NOUN
easat-5254	24	35	in	in	ADP
easat-5254	24	36	the	the	DET
easat-5254	24	37	evaluation	evaluation	NOUN
easat-5254	24	38	of	of	ADP
easat-5254	24	39	systemic	systemic	ADJ
easat-5254	24	40	risk	risk	NOUN
easat-5254	24	41	[	[	X
easat-5254	24	42	10	10	NUM
easat-5254	24	43	]	]	PUNCT
easat-5254	24	44	.	.	PUNCT
easat-5254	25	1	https://orcid.org/0000-0001-8409-2261	https://orcid.org/0000-0001-8409-2261	PROPN
easat-5254	25	2	https://orcid.org/0000-0003-3565-2095	https://orcid.org/0000-0003-3565-2095	NOUN
easat-5254	25	3	554	554	NUM
easat-5254	25	4	edelweiss	edelweiss	PROPN
easat-5254	25	5	applied	apply	VERB
easat-5254	25	6	science	science	NOUN
easat-5254	25	7	and	and	CCONJ
easat-5254	25	8	technology	technology	NOUN
easat-5254	25	9	issn	issn	PROPN
easat-5254	25	10	:	:	PUNCT
easat-5254	25	11	2576	2576	NUM
easat-5254	25	12	-	-	SYM
easat-5254	25	13	8484	8484	NUM
easat-5254	25	14	vol	vol	NOUN
easat-5254	25	15	.	.	PROPN
easat-5254	26	1	9	9	NUM
easat-5254	26	2	,	,	PUNCT
easat-5254	26	3	no	no	INTJ
easat-5254	26	4	.	.	NOUN
easat-5254	27	1	3	3	NUM
easat-5254	27	2	:	:	PUNCT
easat-5254	27	3	553	553	NUM
easat-5254	27	4	-	-	SYM
easat-5254	27	5	567	567	NUM
easat-5254	27	6	,	,	PUNCT
easat-5254	27	7	2025	2025	NUM
easat-5254	27	8	doi	doi	NOUN
easat-5254	27	9	:	:	PUNCT
easat-5254	27	10	10.55214/25768484.v9i3.5254	10.55214/25768484.v9i3.5254	PROPN
easat-5254	27	11	©	©	PROPN
easat-5254	27	12	2025	2025	NUM
easat-5254	27	13	by	by	ADP
easat-5254	27	14	the	the	DET
easat-5254	27	15	authors	author	NOUN
easat-5254	27	16	;	;	PUNCT
easat-5254	27	17	licensee	licensee	PROPN
easat-5254	27	18	learning	learning	PROPN
easat-5254	27	19	gate	gate	PROPN
easat-5254	27	20	china	china	PROPN
easat-5254	27	21	's	's	PART
easat-5254	27	22	banking	banking	NOUN
easat-5254	27	23	industry	industry	NOUN
easat-5254	27	24	is	be	AUX
easat-5254	27	25	an	an	DET
easat-5254	27	26	interesting	interesting	ADJ
easat-5254	27	27	topic	topic	NOUN
easat-5254	27	28	for	for	ADP
easat-5254	27	29	analysis	analysis	NOUN
easat-5254	27	30	,	,	PUNCT
easat-5254	27	31	with	with	ADP
easat-5254	27	32	rapid	rapid	ADJ
easat-5254	27	33	technological	technological	ADJ
easat-5254	27	34	advancement	advancement	NOUN
easat-5254	27	35	coupled	couple	VERB
easat-5254	27	36	with	with	ADP
easat-5254	27	37	complex	complex	ADJ
easat-5254	27	38	issues	issue	NOUN
easat-5254	27	39	related	relate	VERB
easat-5254	27	40	to	to	ADP
easat-5254	27	41	systemic	systemic	ADJ
easat-5254	27	42	risk	risk	NOUN
easat-5254	27	43	[	[	X
easat-5254	27	44	11	11	NUM
easat-5254	27	45	,	,	PUNCT
easat-5254	27	46	12	12	NUM
easat-5254	27	47	]	]	PUNCT
easat-5254	27	48	.	.	PUNCT
easat-5254	28	1	as	as	SCONJ
easat-5254	28	2	financial	financial	ADJ
easat-5254	28	3	institutions	institution	NOUN
easat-5254	28	4	embrace	embrace	VERB
easat-5254	28	5	new	new	ADJ
easat-5254	28	6	technologies	technology	NOUN
easat-5254	28	7	,	,	PUNCT
easat-5254	28	8	the	the	DET
easat-5254	28	9	need	need	NOUN
easat-5254	28	10	for	for	ADP
easat-5254	28	11	risk	risk	NOUN
easat-5254	28	12	management	management	NOUN
easat-5254	28	13	measures	measure	NOUN
easat-5254	28	14	has	have	AUX
easat-5254	28	15	gained	gain	VERB
easat-5254	28	16	greater	great	ADJ
easat-5254	28	17	prominence	prominence	NOUN
easat-5254	28	18	[	[	X
easat-5254	28	19	12	12	NUM
easat-5254	28	20	]	]	PUNCT
easat-5254	28	21	at	at	ADP
easat-5254	28	22	the	the	DET
easat-5254	28	23	same	same	ADJ
easat-5254	28	24	time	time	NOUN
easat-5254	28	25	,	,	PUNCT
easat-5254	28	26	this	this	DET
easat-5254	28	27	shift	shift	NOUN
easat-5254	28	28	has	have	AUX
easat-5254	28	29	created	create	VERB
easat-5254	28	30	what	what	PRON
easat-5254	28	31	many	many	ADJ
easat-5254	28	32	researchers	researcher	NOUN
easat-5254	28	33	refer	refer	VERB
easat-5254	28	34	to	to	ADP
easat-5254	28	35	as	as	ADP
easat-5254	28	36	a	a	DET
easat-5254	28	37	"	"	PUNCT
easat-5254	28	38	productivity	productivity	NOUN
easat-5254	28	39	paradox	paradox	NOUN
easat-5254	28	40	"	"	PUNCT
easat-5254	28	41	related	relate	VERB
easat-5254	28	42	to	to	ADP
easat-5254	28	43	the	the	DET
easat-5254	28	44	use	use	NOUN
easat-5254	28	45	of	of	ADP
easat-5254	28	46	artificial	artificial	ADJ
easat-5254	28	47	intelligence	intelligence	NOUN
easat-5254	29	1	[	[	X
easat-5254	29	2	13	13	NUM
easat-5254	29	3	]	]	PUNCT
easat-5254	29	4	.	.	PUNCT
easat-5254	30	1	the	the	DET
easat-5254	30	2	use	use	NOUN
easat-5254	30	3	of	of	ADP
easat-5254	30	4	ai	ai	NOUN
easat-5254	30	5	in	in	ADP
easat-5254	30	6	financial	financial	ADJ
easat-5254	30	7	services	service	NOUN
easat-5254	30	8	is	be	AUX
easat-5254	30	9	both	both	CCONJ
easat-5254	30	10	a	a	DET
easat-5254	30	11	challenging	challenging	ADJ
easat-5254	30	12	problem	problem	NOUN
easat-5254	30	13	and	and	CCONJ
easat-5254	30	14	a	a	DET
easat-5254	30	15	potential	potential	ADJ
easat-5254	30	16	benefit	benefit	NOUN
easat-5254	30	17	for	for	ADP
easat-5254	30	18	traditional	traditional	ADJ
easat-5254	30	19	banking	banking	NOUN
easat-5254	30	20	systems	system	NOUN
easat-5254	30	21	[	[	X
easat-5254	30	22	14	14	NUM
easat-5254	30	23	]	]	PUNCT
easat-5254	30	24	particularly	particularly	ADV
easat-5254	30	25	in	in	ADP
easat-5254	30	26	emerging	emerge	VERB
easat-5254	30	27	markets	market	NOUN
easat-5254	30	28	where	where	SCONJ
easat-5254	30	29	macroeconomic	macroeconomic	ADJ
easat-5254	30	30	factors	factor	NOUN
easat-5254	30	31	play	play	VERB
easat-5254	30	32	a	a	DET
easat-5254	30	33	key	key	ADJ
easat-5254	30	34	role	role	NOUN
easat-5254	30	35	in	in	ADP
easat-5254	30	36	determining	determine	VERB
easat-5254	30	37	systemic	systemic	ADJ
easat-5254	30	38	risk	risk	NOUN
easat-5254	30	39	in	in	ADP
easat-5254	30	40	the	the	DET
easat-5254	30	41	banking	banking	NOUN
easat-5254	30	42	sector	sector	NOUN
easat-5254	30	43	[	[	X
easat-5254	30	44	15	15	NUM
easat-5254	30	45	]	]	PUNCT
easat-5254	30	46	.	.	PUNCT
easat-5254	31	1	this	this	DET
easat-5254	31	2	study	study	NOUN
easat-5254	31	3	adds	add	VERB
easat-5254	31	4	to	to	ADP
easat-5254	31	5	the	the	DET
easat-5254	31	6	growing	grow	VERB
easat-5254	31	7	body	body	NOUN
easat-5254	31	8	of	of	ADP
easat-5254	31	9	literature	literature	NOUN
easat-5254	31	10	by	by	ADP
easat-5254	31	11	examining	examine	VERB
easat-5254	31	12	the	the	DET
easat-5254	31	13	possibility	possibility	NOUN
easat-5254	31	14	of	of	ADP
easat-5254	31	15	using	use	VERB
easat-5254	31	16	intelligent	intelligent	ADJ
easat-5254	31	17	algorithms	algorithm	NOUN
easat-5254	31	18	to	to	PART
easat-5254	31	19	enhance	enhance	VERB
easat-5254	31	20	the	the	DET
easat-5254	31	21	detection	detection	NOUN
easat-5254	31	22	of	of	ADP
easat-5254	31	23	systemic	systemic	ADJ
easat-5254	31	24	risk	risk	NOUN
easat-5254	31	25	in	in	ADP
easat-5254	31	26	the	the	DET
easat-5254	31	27	chinese	chinese	ADJ
easat-5254	31	28	banking	banking	NOUN
easat-5254	31	29	industry	industry	NOUN
easat-5254	31	30	,	,	PUNCT
easat-5254	31	31	thus	thus	ADV
easat-5254	31	32	bridging	bridge	VERB
easat-5254	31	33	the	the	DET
easat-5254	31	34	huge	huge	ADJ
easat-5254	31	35	gap	gap	NOUN
easat-5254	31	36	between	between	ADP
easat-5254	31	37	technological	technological	ADJ
easat-5254	31	38	advancements	advancement	NOUN
easat-5254	31	39	and	and	CCONJ
easat-5254	31	40	their	their	PRON
easat-5254	31	41	application	application	NOUN
easat-5254	31	42	in	in	ADP
easat-5254	31	43	risk	risk	NOUN
easat-5254	31	44	management	management	NOUN
easat-5254	31	45	.	.	PUNCT
easat-5254	32	1	the	the	DET
easat-5254	32	2	findings	finding	NOUN
easat-5254	32	3	of	of	ADP
easat-5254	32	4	our	our	PRON
easat-5254	32	5	research	research	NOUN
easat-5254	32	6	provide	provide	VERB
easat-5254	32	7	new	new	ADJ
easat-5254	32	8	insights	insight	NOUN
easat-5254	32	9	into	into	ADP
easat-5254	32	10	the	the	DET
easat-5254	32	11	dynamics	dynamic	NOUN
easat-5254	32	12	between	between	ADP
easat-5254	32	13	technological	technological	ADJ
easat-5254	32	14	progress	progress	NOUN
easat-5254	32	15	and	and	CCONJ
easat-5254	32	16	financial	financial	ADJ
easat-5254	32	17	stability	stability	NOUN
easat-5254	32	18	,	,	PUNCT
easat-5254	32	19	as	as	ADV
easat-5254	32	20	well	well	ADV
easat-5254	32	21	as	as	ADP
easat-5254	32	22	the	the	DET
easat-5254	32	23	broader	broad	ADJ
easat-5254	32	24	implications	implication	NOUN
easat-5254	32	25	for	for	ADP
easat-5254	32	26	regulatory	regulatory	ADJ
easat-5254	32	27	frameworks	framework	NOUN
easat-5254	32	28	and	and	CCONJ
easat-5254	32	29	methods	method	NOUN
easat-5254	32	30	in	in	ADP
easat-5254	32	31	risk	risk	NOUN
easat-5254	32	32	management	management	NOUN
easat-5254	32	33	.	.	PUNCT
easat-5254	33	1	2	2	X
easat-5254	33	2	.	.	X
easat-5254	33	3	literature	literature	NOUN
easat-5254	33	4	review	review	PROPN
easat-5254	33	5	and	and	CCONJ
easat-5254	33	6	hypothesis	hypothesis	NOUN
easat-5254	33	7	development	development	NOUN
easat-5254	33	8	2.1	2.1	NUM
easat-5254	33	9	.	.	PUNCT
easat-5254	34	1	theoretical	theoretical	ADJ
easat-5254	34	2	basis	basis	NOUN
easat-5254	34	3	the	the	DET
easat-5254	34	4	theoretical	theoretical	ADJ
easat-5254	34	5	approach	approach	NOUN
easat-5254	34	6	of	of	ADP
easat-5254	34	7	this	this	DET
easat-5254	34	8	study	study	NOUN
easat-5254	34	9	combines	combine	VERB
easat-5254	34	10	ideas	idea	NOUN
easat-5254	34	11	of	of	ADP
easat-5254	34	12	financial	financial	ADJ
easat-5254	34	13	innovation	innovation	NOUN
easat-5254	34	14	with	with	ADP
easat-5254	34	15	models	model	NOUN
easat-5254	34	16	that	that	PRON
easat-5254	34	17	are	be	AUX
easat-5254	34	18	formulated	formulate	VERB
easat-5254	34	19	for	for	ADP
easat-5254	34	20	managing	manage	VERB
easat-5254	34	21	systemic	systemic	ADJ
easat-5254	34	22	risk	risk	NOUN
easat-5254	34	23	.	.	PUNCT
easat-5254	35	1	the	the	DET
easat-5254	35	2	literature	literature	NOUN
easat-5254	35	3	on	on	ADP
easat-5254	35	4	deregulation	deregulation	NOUN
easat-5254	35	5	and	and	CCONJ
easat-5254	35	6	derivatives	derivative	NOUN
easat-5254	35	7	suggests	suggest	VERB
easat-5254	35	8	that	that	SCONJ
easat-5254	35	9	financial	financial	ADJ
easat-5254	35	10	innovation	innovation	NOUN
easat-5254	35	11	fundamentally	fundamentally	ADV
easat-5254	35	12	changes	change	VERB
easat-5254	35	13	risk	risk	NOUN
easat-5254	35	14	profiles	profile	NOUN
easat-5254	35	15	and	and	CCONJ
easat-5254	35	16	shapes	shape	VERB
easat-5254	35	17	the	the	DET
easat-5254	35	18	regulatory	regulatory	ADJ
easat-5254	35	19	environment	environment	NOUN
easat-5254	36	1	[	[	X
easat-5254	36	2	16	16	NUM
easat-5254	36	3	]	]	PUNCT
easat-5254	36	4	.	.	PUNCT
easat-5254	37	1	simultaneously	simultaneously	ADV
easat-5254	37	2	,	,	PUNCT
easat-5254	37	3	shadow	shadow	NOUN
easat-5254	37	4	banking	banking	NOUN
easat-5254	37	5	models	model	NOUN
easat-5254	37	6	explain	explain	VERB
easat-5254	37	7	how	how	SCONJ
easat-5254	37	8	innovations	innovation	NOUN
easat-5254	37	9	can	can	AUX
easat-5254	37	10	create	create	VERB
easat-5254	37	11	new	new	ADJ
easat-5254	37	12	sources	source	NOUN
easat-5254	37	13	of	of	ADP
easat-5254	37	14	systemic	systemic	ADJ
easat-5254	37	15	risk	risk	NOUN
easat-5254	37	16	[	[	X
easat-5254	37	17	17	17	NUM
easat-5254	37	18	]	]	PUNCT
easat-5254	37	19	.	.	PUNCT
easat-5254	38	1	the	the	DET
easat-5254	38	2	rise	rise	NOUN
easat-5254	38	3	of	of	ADP
easat-5254	38	4	fintech	fintech	NOUN
easat-5254	38	5	and	and	CCONJ
easat-5254	38	6	artificial	artificial	ADJ
easat-5254	38	7	intelligence	intelligence	NOUN
easat-5254	38	8	in	in	ADP
easat-5254	38	9	the	the	DET
easat-5254	38	10	financial	financial	ADJ
easat-5254	38	11	industry	industry	NOUN
easat-5254	38	12	has	have	AUX
easat-5254	38	13	added	add	VERB
easat-5254	38	14	a	a	DET
easat-5254	38	15	new	new	ADJ
easat-5254	38	16	dimension	dimension	NOUN
easat-5254	38	17	of	of	ADP
easat-5254	38	18	complexity	complexity	NOUN
easat-5254	38	19	to	to	PART
easat-5254	38	20	risk	risk	VERB
easat-5254	38	21	management	management	NOUN
easat-5254	38	22	,	,	PUNCT
easat-5254	38	23	thus	thus	ADV
easat-5254	38	24	necessitating	necessitate	VERB
easat-5254	38	25	the	the	DET
easat-5254	38	26	development	development	NOUN
easat-5254	38	27	of	of	ADP
easat-5254	38	28	innovative	innovative	ADJ
easat-5254	38	29	methods	method	NOUN
easat-5254	38	30	to	to	PART
easat-5254	38	31	understand	understand	VERB
easat-5254	38	32	and	and	CCONJ
easat-5254	38	33	mitigate	mitigate	VERB
easat-5254	38	34	these	these	DET
easat-5254	38	35	risks	risk	NOUN
easat-5254	38	36	[	[	X
easat-5254	38	37	18	18	NUM
easat-5254	38	38	]	]	PUNCT
easat-5254	38	39	.	.	PUNCT
easat-5254	39	1	classical	classical	ADJ
easat-5254	39	2	financial	financial	ADJ
easat-5254	39	3	theories	theory	NOUN
easat-5254	39	4	,	,	PUNCT
easat-5254	39	5	especially	especially	ADV
easat-5254	39	6	those	those	PRON
easat-5254	39	7	examining	examine	VERB
easat-5254	39	8	the	the	DET
easat-5254	39	9	relationship	relationship	NOUN
easat-5254	39	10	between	between	ADP
easat-5254	39	11	expected	expect	VERB
easat-5254	39	12	value	value	NOUN
easat-5254	39	13	and	and	CCONJ
easat-5254	39	14	volatility	volatility	NOUN
easat-5254	39	15	[	[	X
easat-5254	39	16	19	19	NUM
easat-5254	39	17	]	]	PUNCT
easat-5254	39	18	are	be	AUX
easat-5254	39	19	being	be	AUX
easat-5254	39	20	reevaluated	reevaluate	VERB
easat-5254	39	21	in	in	ADP
easat-5254	39	22	light	light	NOUN
easat-5254	39	23	of	of	ADP
easat-5254	39	24	recent	recent	ADJ
easat-5254	39	25	technological	technological	ADJ
easat-5254	39	26	advances	advance	NOUN
easat-5254	39	27	[	[	X
easat-5254	39	28	20	20	NUM
easat-5254	39	29	]	]	PUNCT
easat-5254	39	30	.	.	PUNCT
easat-5254	40	1	the	the	DET
easat-5254	40	2	theoretical	theoretical	ADJ
easat-5254	40	3	framework	framework	NOUN
easat-5254	40	4	related	relate	VERB
easat-5254	40	5	to	to	ADP
easat-5254	40	6	the	the	DET
easat-5254	40	7	transmission	transmission	NOUN
easat-5254	40	8	of	of	ADP
easat-5254	40	9	systemic	systemic	ADJ
easat-5254	40	10	risk	risk	NOUN
easat-5254	40	11	in	in	ADP
easat-5254	40	12	banking	banking	NOUN
easat-5254	40	13	systems	system	NOUN
easat-5254	40	14	has	have	AUX
easat-5254	40	15	evolved	evolve	VERB
easat-5254	40	16	to	to	PART
easat-5254	40	17	incorporate	incorporate	VERB
easat-5254	40	18	aspects	aspect	NOUN
easat-5254	40	19	of	of	ADP
easat-5254	40	20	network	network	NOUN
easat-5254	40	21	dynamics	dynamic	NOUN
easat-5254	40	22	in	in	ADP
easat-5254	40	23	combination	combination	NOUN
easat-5254	40	24	with	with	ADP
easat-5254	40	25	time	time	NOUN
easat-5254	40	26	-	-	PUNCT
easat-5254	40	27	variant	variant	NOUN
easat-5254	40	28	contagion	contagion	NOUN
easat-5254	40	29	models	model	NOUN
easat-5254	40	30	[	[	X
easat-5254	40	31	21	21	NUM
easat-5254	40	32	]	]	PUNCT
easat-5254	40	33	based	base	VERB
easat-5254	40	34	on	on	ADP
easat-5254	40	35	established	establish	VERB
easat-5254	40	36	methods	method	NOUN
easat-5254	40	37	in	in	ADP
easat-5254	40	38	volatility	volatility	NOUN
easat-5254	40	39	forecasting	forecasting	NOUN
easat-5254	41	1	[	[	X
easat-5254	41	2	22	22	NUM
easat-5254	41	3	]	]	PUNCT
easat-5254	41	4	.	.	PUNCT
easat-5254	42	1	modern	modern	ADJ
easat-5254	42	2	theoretical	theoretical	ADJ
easat-5254	42	3	developments	development	NOUN
easat-5254	42	4	have	have	AUX
easat-5254	42	5	highlighted	highlight	VERB
easat-5254	42	6	the	the	DET
easat-5254	42	7	inadequacies	inadequacy	NOUN
easat-5254	42	8	of	of	ADP
easat-5254	42	9	conventional	conventional	ADJ
easat-5254	42	10	diversification	diversification	NOUN
easat-5254	42	11	measures	measure	NOUN
easat-5254	42	12	in	in	ADP
easat-5254	42	13	containing	contain	VERB
easat-5254	42	14	systemic	systemic	ADJ
easat-5254	42	15	risk	risk	NOUN
easat-5254	42	16	[	[	X
easat-5254	42	17	23	23	NUM
easat-5254	42	18	]	]	PUNCT
easat-5254	42	19	especially	especially	ADV
easat-5254	42	20	as	as	SCONJ
easat-5254	42	21	the	the	DET
easat-5254	42	22	technological	technological	ADJ
easat-5254	42	23	revolution	revolution	NOUN
easat-5254	42	24	and	and	CCONJ
easat-5254	42	25	automation	automation	NOUN
easat-5254	42	26	reshape	reshape	VERB
easat-5254	42	27	the	the	DET
easat-5254	42	28	operational	operational	ADJ
easat-5254	42	29	environments	environment	NOUN
easat-5254	42	30	of	of	ADP
easat-5254	42	31	financial	financial	ADJ
easat-5254	42	32	institutions	institution	NOUN
easat-5254	42	33	[	[	X
easat-5254	42	34	24	24	NUM
easat-5254	42	35	]	]	PUNCT
easat-5254	42	36	.	.	PUNCT
easat-5254	43	1	the	the	DET
easat-5254	43	2	theoretical	theoretical	ADJ
easat-5254	43	3	convergence	convergence	NOUN
easat-5254	43	4	of	of	ADP
easat-5254	43	5	technological	technological	ADJ
easat-5254	43	6	innovations	innovation	NOUN
easat-5254	43	7	with	with	ADP
easat-5254	43	8	regulatory	regulatory	ADJ
easat-5254	43	9	imperatives	imperative	NOUN
easat-5254	43	10	in	in	ADP
easat-5254	43	11	the	the	DET
easat-5254	43	12	financial	financial	ADJ
easat-5254	43	13	services	service	NOUN
easat-5254	43	14	industry	industry	NOUN
easat-5254	43	15	[	[	X
easat-5254	43	16	25	25	NUM
easat-5254	43	17	]	]	PUNCT
easat-5254	43	18	combined	combine	VERB
easat-5254	43	19	with	with	ADP
easat-5254	43	20	the	the	DET
easat-5254	43	21	significance	significance	NOUN
easat-5254	43	22	of	of	ADP
easat-5254	43	23	exploring	explore	VERB
easat-5254	43	24	regulation	regulation	NOUN
easat-5254	43	25	-	-	PUNCT
easat-5254	43	26	driven	drive	VERB
easat-5254	43	27	innovation	innovation	NOUN
easat-5254	43	28	[	[	X
easat-5254	43	29	26	26	NUM
easat-5254	43	30	]	]	PUNCT
easat-5254	43	31	provides	provide	VERB
easat-5254	43	32	a	a	DET
easat-5254	43	33	solid	solid	ADJ
easat-5254	43	34	foundation	foundation	NOUN
easat-5254	43	35	for	for	ADP
easat-5254	43	36	exploring	explore	VERB
easat-5254	43	37	the	the	DET
easat-5254	43	38	ability	ability	NOUN
easat-5254	43	39	of	of	ADP
easat-5254	43	40	advanced	advanced	ADJ
easat-5254	43	41	algorithms	algorithm	NOUN
easat-5254	43	42	to	to	PART
easat-5254	43	43	enhance	enhance	VERB
easat-5254	43	44	the	the	DET
easat-5254	43	45	detection	detection	NOUN
easat-5254	43	46	of	of	ADP
easat-5254	43	47	systemic	systemic	ADJ
easat-5254	43	48	risk	risk	NOUN
easat-5254	43	49	.	.	PUNCT
easat-5254	44	1	this	this	DET
easat-5254	44	2	underlying	underlying	ADJ
easat-5254	44	3	theory	theory	NOUN
easat-5254	44	4	is	be	AUX
easat-5254	44	5	further	far	ADV
easat-5254	44	6	supported	support	VERB
easat-5254	44	7	by	by	ADP
easat-5254	44	8	recent	recent	ADJ
easat-5254	44	9	advances	advance	NOUN
easat-5254	44	10	in	in	ADP
easat-5254	44	11	the	the	DET
easat-5254	44	12	quantification	quantification	NOUN
easat-5254	44	13	of	of	ADP
easat-5254	44	14	systemic	systemic	ADJ
easat-5254	44	15	risk	risk	NOUN
easat-5254	44	16	through	through	ADP
easat-5254	44	17	advanced	advanced	ADJ
easat-5254	44	18	methodological	methodological	ADJ
easat-5254	44	19	frameworks	framework	NOUN
easat-5254	44	20	[	[	X
easat-5254	44	21	27	27	NUM
easat-5254	44	22	]	]	PUNCT
easat-5254	44	23	specifically	specifically	ADV
easat-5254	44	24	in	in	ADP
easat-5254	44	25	the	the	DET
easat-5254	44	26	application	application	NOUN
easat-5254	44	27	of	of	ADP
easat-5254	44	28	machine	machine	NOUN
easat-5254	44	29	learning	learning	NOUN
easat-5254	44	30	methods	method	NOUN
easat-5254	44	31	[	[	X
easat-5254	44	32	28	28	NUM
easat-5254	44	33	]	]	PUNCT
easat-5254	44	34	.	.	PUNCT
easat-5254	45	1	2.2	2.2	NUM
easat-5254	45	2	.	.	PUNCT
easat-5254	45	3	review	review	NOUN
easat-5254	45	4	of	of	ADP
easat-5254	45	5	related	related	ADJ
easat-5254	45	6	studies	study	NOUN
easat-5254	45	7	the	the	DET
easat-5254	45	8	empirical	empirical	ADJ
easat-5254	45	9	literature	literature	NOUN
easat-5254	45	10	on	on	ADP
easat-5254	45	11	systemic	systemic	ADJ
easat-5254	45	12	risk	risk	NOUN
easat-5254	45	13	in	in	ADP
easat-5254	45	14	the	the	DET
easat-5254	45	15	financial	financial	ADJ
easat-5254	45	16	system	system	NOUN
easat-5254	45	17	has	have	AUX
easat-5254	45	18	grown	grow	VERB
easat-5254	45	19	significantly	significantly	ADV
easat-5254	45	20	,	,	PUNCT
easat-5254	45	21	especially	especially	ADV
easat-5254	45	22	in	in	ADP
easat-5254	45	23	the	the	DET
easat-5254	45	24	aftermath	aftermath	NOUN
easat-5254	45	25	of	of	ADP
easat-5254	45	26	major	major	ADJ
easat-5254	45	27	economic	economic	ADJ
easat-5254	45	28	shocks	shock	NOUN
easat-5254	45	29	.	.	PUNCT
easat-5254	46	1	research	research	NOUN
easat-5254	46	2	on	on	ADP
easat-5254	46	3	systemic	systemic	ADJ
easat-5254	46	4	risk	risk	NOUN
easat-5254	46	5	during	during	ADP
easat-5254	46	6	the	the	DET
easat-5254	46	7	covid-19	covid-19	PROPN
easat-5254	46	8	pandemic	pandemic	NOUN
easat-5254	46	9	has	have	AUX
easat-5254	46	10	highlighted	highlight	VERB
easat-5254	46	11	the	the	DET
easat-5254	46	12	vulnerability	vulnerability	NOUN
easat-5254	46	13	of	of	ADP
easat-5254	46	14	financial	financial	ADJ
easat-5254	46	15	systems	system	NOUN
easat-5254	46	16	to	to	ADP
easat-5254	46	17	sudden	sudden	ADJ
easat-5254	46	18	shocks	shock	NOUN
easat-5254	46	19	[	[	X
easat-5254	46	20	29	29	NUM
easat-5254	46	21	]	]	PUNCT
easat-5254	46	22	whereas	whereas	SCONJ
easat-5254	46	23	research	research	NOUN
easat-5254	46	24	on	on	ADP
easat-5254	46	25	bankspecific	bankspecific	ADJ
easat-5254	46	26	systemic	systemic	ADJ
easat-5254	46	27	risk	risk	NOUN
easat-5254	46	28	has	have	AUX
easat-5254	46	29	highlighted	highlight	VERB
easat-5254	46	30	the	the	DET
easat-5254	46	31	role	role	NOUN
easat-5254	46	32	of	of	ADP
easat-5254	46	33	managerial	managerial	ADJ
easat-5254	46	34	characteristics	characteristic	NOUN
easat-5254	46	35	and	and	CCONJ
easat-5254	46	36	behavioral	behavioral	ADJ
easat-5254	46	37	factors	factor	NOUN
easat-5254	46	38	[	[	X
easat-5254	46	39	30	30	NUM
easat-5254	46	40	]	]	PUNCT
easat-5254	46	41	.	.	PUNCT
easat-5254	47	1	methodological	methodological	ADJ
easat-5254	47	2	innovation	innovation	NOUN
easat-5254	47	3	has	have	AUX
easat-5254	47	4	brought	bring	VERB
easat-5254	47	5	forth	forth	ADP
easat-5254	47	6	new	new	ADJ
easat-5254	47	7	tools	tool	NOUN
easat-5254	47	8	for	for	ADP
easat-5254	47	9	measuring	measure	VERB
easat-5254	47	10	contributions	contribution	NOUN
easat-5254	47	11	to	to	ADP
easat-5254	47	12	systemic	systemic	ADJ
easat-5254	47	13	risk	risk	NOUN
easat-5254	47	14	,	,	PUNCT
easat-5254	47	15	such	such	ADJ
easat-5254	47	16	as	as	ADP
easat-5254	47	17	the	the	DET
easat-5254	47	18	leave	leave	VERB
easat-5254	47	19	-	-	PUNCT
easat-5254	47	20	one	one	NUM
easat-5254	47	21	-	-	PUNCT
easat-5254	47	22	out	out	ADP
easat-5254	47	23	z	z	NOUN
easat-5254	47	24	-	-	PUNCT
easat-5254	47	25	score	score	NOUN
easat-5254	47	26	method	method	NOUN
easat-5254	47	27	[	[	X
easat-5254	47	28	31	31	NUM
easat-5254	47	29	]	]	PUNCT
easat-5254	47	30	and	and	CCONJ
easat-5254	47	31	research	research	NOUN
easat-5254	47	32	on	on	ADP
easat-5254	47	33	bank	bank	NOUN
easat-5254	47	34	diversification	diversification	NOUN
easat-5254	47	35	and	and	CCONJ
easat-5254	47	36	stability	stability	NOUN
easat-5254	47	37	has	have	AUX
easat-5254	47	38	provided	provide	VERB
easat-5254	47	39	critical	critical	ADJ
easat-5254	47	40	insights	insight	NOUN
easat-5254	47	41	[	[	X
easat-5254	47	42	32	32	NUM
easat-5254	47	43	]	]	PUNCT
easat-5254	47	44	.	.	PUNCT
easat-5254	48	1	in	in	ADP
easat-5254	48	2	addition	addition	NOUN
easat-5254	48	3	,	,	PUNCT
easat-5254	48	4	the	the	DET
easat-5254	48	5	impact	impact	NOUN
easat-5254	48	6	of	of	ADP
easat-5254	48	7	external	external	ADJ
easat-5254	48	8	shocks	shock	NOUN
easat-5254	48	9	on	on	ADP
easat-5254	48	10	labor	labor	NOUN
easat-5254	48	11	markets	market	NOUN
easat-5254	48	12	and	and	CCONJ
easat-5254	48	13	human	human	ADJ
easat-5254	48	14	capital	capital	NOUN
easat-5254	48	15	has	have	AUX
easat-5254	48	16	further	far	ADV
easat-5254	48	17	shown	show	VERB
easat-5254	48	18	the	the	DET
easat-5254	48	19	interlinkages	interlinkage	NOUN
easat-5254	48	20	of	of	ADP
easat-5254	48	21	financial	financial	ADJ
easat-5254	48	22	and	and	CCONJ
easat-5254	48	23	economic	economic	ADJ
easat-5254	48	24	systems	system	NOUN
easat-5254	48	25	[	[	X
easat-5254	48	26	33	33	NUM
easat-5254	48	27	]	]	PUNCT
easat-5254	48	28	.	.	PUNCT
easat-5254	49	1	the	the	DET
easat-5254	49	2	academic	academic	ADJ
easat-5254	49	3	literature	literature	NOUN
easat-5254	49	4	on	on	ADP
easat-5254	49	5	the	the	DET
easat-5254	49	6	role	role	NOUN
easat-5254	49	7	of	of	ADP
easat-5254	49	8	artificial	artificial	ADJ
easat-5254	49	9	intelligence	intelligence	NOUN
easat-5254	49	10	in	in	ADP
easat-5254	49	11	financial	financial	ADJ
easat-5254	49	12	markets	market	NOUN
easat-5254	49	13	has	have	AUX
easat-5254	49	14	seen	see	VERB
easat-5254	49	15	significant	significant	ADJ
easat-5254	49	16	development	development	NOUN
easat-5254	49	17	,	,	PUNCT
easat-5254	49	18	including	include	VERB
easat-5254	49	19	research	research	NOUN
easat-5254	49	20	on	on	ADP
easat-5254	49	21	both	both	CCONJ
easat-5254	49	22	the	the	DET
easat-5254	49	23	beneficial	beneficial	ADJ
easat-5254	49	24	and	and	CCONJ
easat-5254	49	25	potentially	potentially	ADV
easat-5254	49	26	destabilizing	destabilizing	ADJ
easat-5254	49	27	implications	implication	NOUN
easat-5254	49	28	of	of	ADP
easat-5254	49	29	ai	ai	ADJ
easat-5254	49	30	deployment	deployment	NOUN
easat-5254	49	31	[	[	X
easat-5254	49	32	34	34	NUM
easat-5254	49	33	]	]	PUNCT
easat-5254	49	34	.	.	PUNCT
easat-5254	50	1	research	research	NOUN
easat-5254	50	2	into	into	ADP
easat-5254	50	3	the	the	DET
easat-5254	50	4	use	use	NOUN
easat-5254	50	5	of	of	ADP
easat-5254	50	6	ai	ai	NOUN
easat-5254	50	7	in	in	ADP
easat-5254	50	8	financial	financial	ADJ
easat-5254	50	9	investment	investment	NOUN
easat-5254	50	10	services	service	NOUN
easat-5254	50	11	has	have	AUX
easat-5254	50	12	yielded	yield	VERB
easat-5254	50	13	mixed	mixed	ADJ
easat-5254	50	14	results	result	NOUN
easat-5254	50	15	in	in	ADP
easat-5254	50	16	terms	term	NOUN
easat-5254	50	17	of	of	ADP
easat-5254	50	18	effectiveness	effectiveness	NOUN
easat-5254	50	19	,	,	PUNCT
easat-5254	50	20	accompanied	accompany	VERB
easat-5254	50	21	by	by	ADP
easat-5254	50	22	a	a	DET
easat-5254	50	23	number	number	NOUN
easat-5254	50	24	of	of	ADP
easat-5254	50	25	implementation	implementation	NOUN
easat-5254	50	26	challenges	challenge	NOUN
easat-5254	50	27	[	[	X
easat-5254	50	28	35	35	NUM
easat-5254	50	29	]	]	PUNCT
easat-5254	50	30	.	.	PUNCT
easat-5254	51	1	in	in	ADP
easat-5254	51	2	addition	addition	NOUN
easat-5254	51	3	,	,	PUNCT
easat-5254	51	4	new	new	ADJ
easat-5254	51	5	555	555	NUM
easat-5254	51	6	edelweiss	edelweiss	PROPN
easat-5254	51	7	applied	apply	VERB
easat-5254	51	8	science	science	NOUN
easat-5254	51	9	and	and	CCONJ
easat-5254	51	10	technology	technology	NOUN
easat-5254	51	11	issn	issn	PROPN
easat-5254	51	12	:	:	PUNCT
easat-5254	51	13	2576	2576	NUM
easat-5254	51	14	-	-	SYM
easat-5254	51	15	8484	8484	NUM
easat-5254	51	16	vol	vol	NOUN
easat-5254	51	17	.	.	PROPN
easat-5254	52	1	9	9	NUM
easat-5254	52	2	,	,	PUNCT
easat-5254	52	3	no	no	INTJ
easat-5254	52	4	.	.	NOUN
easat-5254	53	1	3	3	NUM
easat-5254	53	2	:	:	PUNCT
easat-5254	53	3	553	553	NUM
easat-5254	53	4	-	-	SYM
easat-5254	53	5	567	567	NUM
easat-5254	53	6	,	,	PUNCT
easat-5254	53	7	2025	2025	NUM
easat-5254	53	8	doi	doi	NOUN
easat-5254	53	9	:	:	PUNCT
easat-5254	53	10	10.55214/25768484.v9i3.5254	10.55214/25768484.v9i3.5254	PROPN
easat-5254	53	11	©	©	PROPN
easat-5254	53	12	2025	2025	NUM
easat-5254	53	13	by	by	ADP
easat-5254	53	14	the	the	DET
easat-5254	53	15	authors	author	NOUN
easat-5254	53	16	;	;	PUNCT
easat-5254	53	17	licensee	licensee	PROPN
easat-5254	53	18	learning	learn	VERB
easat-5254	53	19	gate	gate	NOUN
easat-5254	53	20	methods	method	NOUN
easat-5254	53	21	of	of	ADP
easat-5254	53	22	reducing	reduce	VERB
easat-5254	53	23	systemic	systemic	ADJ
easat-5254	53	24	financial	financial	ADJ
easat-5254	53	25	risk	risk	NOUN
easat-5254	53	26	through	through	ADP
easat-5254	53	27	ai	ai	ADV
easat-5254	53	28	-	-	PUNCT
easat-5254	53	29	based	base	VERB
easat-5254	53	30	banking	banking	NOUN
easat-5254	53	31	interventions	intervention	NOUN
easat-5254	53	32	have	have	AUX
easat-5254	53	33	been	be	AUX
easat-5254	53	34	proposed	propose	VERB
easat-5254	53	35	[	[	X
easat-5254	53	36	36	36	NUM
easat-5254	53	37	]	]	PUNCT
easat-5254	53	38	.	.	PUNCT
easat-5254	54	1	research	research	NOUN
easat-5254	54	2	into	into	ADP
easat-5254	54	3	the	the	DET
easat-5254	54	4	interaction	interaction	NOUN
easat-5254	54	5	between	between	ADP
easat-5254	54	6	artificial	artificial	ADJ
easat-5254	54	7	intelligence	intelligence	NOUN
easat-5254	54	8	and	and	CCONJ
easat-5254	54	9	economic	economic	ADJ
easat-5254	54	10	development	development	NOUN
easat-5254	55	1	[	[	X
easat-5254	55	2	37	37	NUM
easat-5254	55	3	]	]	PUNCT
easat-5254	55	4	has	have	AUX
easat-5254	55	5	been	be	AUX
easat-5254	55	6	complemented	complement	VERB
easat-5254	55	7	by	by	ADP
easat-5254	55	8	research	research	NOUN
easat-5254	55	9	into	into	ADP
easat-5254	55	10	the	the	DET
easat-5254	55	11	role	role	NOUN
easat-5254	55	12	of	of	ADP
easat-5254	55	13	internet	internet	NOUN
easat-5254	55	14	finance	finance	NOUN
easat-5254	55	15	in	in	ADP
easat-5254	55	16	influencing	influence	VERB
easat-5254	55	17	the	the	DET
easat-5254	55	18	risk	risk	NOUN
easat-5254	55	19	appetite	appetite	NOUN
easat-5254	55	20	of	of	ADP
easat-5254	55	21	commercial	commercial	ADJ
easat-5254	55	22	banking	banking	NOUN
easat-5254	55	23	organizations	organization	NOUN
easat-5254	56	1	[	[	X
easat-5254	56	2	38	38	NUM
easat-5254	56	3	]	]	PUNCT
easat-5254	56	4	.	.	PUNCT
easat-5254	57	1	the	the	DET
easat-5254	57	2	literature	literature	NOUN
easat-5254	57	3	further	far	ADV
easat-5254	57	4	highlights	highlight	VERB
easat-5254	57	5	the	the	DET
easat-5254	57	6	revolutionary	revolutionary	ADJ
easat-5254	57	7	impact	impact	NOUN
easat-5254	57	8	of	of	ADP
easat-5254	57	9	fintech	fintech	NOUN
easat-5254	57	10	and	and	CCONJ
easat-5254	57	11	ai	ai	VERB
easat-5254	57	12	innovations	innovation	NOUN
easat-5254	57	13	on	on	ADP
easat-5254	57	14	financial	financial	ADJ
easat-5254	57	15	services	service	NOUN
easat-5254	57	16	,	,	PUNCT
easat-5254	57	17	with	with	ADP
easat-5254	57	18	a	a	DET
easat-5254	57	19	view	view	NOUN
easat-5254	57	20	to	to	ADP
easat-5254	57	21	enhancing	enhance	VERB
easat-5254	57	22	efficiency	efficiency	NOUN
easat-5254	57	23	and	and	CCONJ
easat-5254	57	24	accessibility	accessibility	NOUN
easat-5254	57	25	[	[	X
easat-5254	57	26	39	39	NUM
easat-5254	57	27	]	]	PUNCT
easat-5254	57	28	as	as	ADV
easat-5254	57	29	well	well	ADV
easat-5254	57	30	as	as	ADP
easat-5254	57	31	their	their	PRON
easat-5254	57	32	possible	possible	ADJ
easat-5254	57	33	implications	implication	NOUN
easat-5254	57	34	for	for	ADP
easat-5254	57	35	sustainable	sustainable	ADJ
easat-5254	57	36	economic	economic	ADJ
easat-5254	57	37	growth	growth	NOUN
easat-5254	57	38	[	[	X
easat-5254	57	39	40	40	NUM
easat-5254	57	40	]	]	PUNCT
easat-5254	57	41	.	.	PUNCT
easat-5254	58	1	2.3	2.3	NUM
easat-5254	58	2	.	.	PUNCT
easat-5254	59	1	study	study	NOUN
easat-5254	59	2	hypothesis	hypothesis	NOUN
easat-5254	59	3	construction	construction	NOUN
easat-5254	59	4	by	by	ADP
easat-5254	59	5	the	the	DET
easat-5254	59	6	implementation	implementation	NOUN
easat-5254	59	7	of	of	ADP
easat-5254	59	8	a	a	DET
easat-5254	59	9	systematic	systematic	ADJ
easat-5254	59	10	review	review	NOUN
easat-5254	59	11	of	of	ADP
easat-5254	59	12	pertinent	pertinent	ADJ
easat-5254	59	13	literature	literature	NOUN
easat-5254	59	14	,	,	PUNCT
easat-5254	59	15	we	we	PRON
easat-5254	59	16	suggest	suggest	VERB
easat-5254	59	17	three	three	NUM
easat-5254	59	18	main	main	ADJ
easat-5254	59	19	hypotheses	hypothesis	NOUN
easat-5254	59	20	for	for	ADP
easat-5254	59	21	the	the	DET
easat-5254	59	22	current	current	ADJ
easat-5254	59	23	study	study	NOUN
easat-5254	59	24	.	.	PUNCT
easat-5254	60	1	first	first	ADV
easat-5254	60	2	,	,	PUNCT
easat-5254	60	3	based	base	VERB
easat-5254	60	4	on	on	ADP
easat-5254	60	5	studies	study	NOUN
easat-5254	60	6	on	on	ADP
easat-5254	60	7	the	the	DET
easat-5254	60	8	integration	integration	NOUN
easat-5254	60	9	of	of	ADP
easat-5254	60	10	artificial	artificial	ADJ
easat-5254	60	11	intelligence	intelligence	NOUN
easat-5254	60	12	in	in	ADP
easat-5254	60	13	the	the	DET
easat-5254	60	14	financial	financial	ADJ
easat-5254	60	15	industry	industry	NOUN
easat-5254	60	16	[	[	X
easat-5254	60	17	41	41	NUM
easat-5254	60	18	,	,	PUNCT
easat-5254	60	19	42	42	NUM
easat-5254	60	20	]	]	PUNCT
easat-5254	60	21	and	and	CCONJ
easat-5254	60	22	recent	recent	ADJ
easat-5254	60	23	developments	development	NOUN
easat-5254	60	24	in	in	ADP
easat-5254	60	25	the	the	DET
easat-5254	60	26	detection	detection	NOUN
easat-5254	60	27	of	of	ADP
easat-5254	60	28	systemic	systemic	ADJ
easat-5254	60	29	risk	risk	NOUN
easat-5254	60	30	[	[	X
easat-5254	60	31	40	40	NUM
easat-5254	60	32	,	,	PUNCT
easat-5254	60	33	43	43	NUM
easat-5254	60	34	]	]	PUNCT
easat-5254	60	35	we	we	PRON
easat-5254	60	36	suggest	suggest	VERB
easat-5254	60	37	h1	h1	PROPN
easat-5254	60	38	:	:	PUNCT
easat-5254	60	39	the	the	DET
easat-5254	60	40	use	use	NOUN
easat-5254	60	41	of	of	ADP
easat-5254	60	42	intelligent	intelligent	ADJ
easat-5254	60	43	algorithms	algorithm	NOUN
easat-5254	60	44	significantly	significantly	ADV
easat-5254	60	45	improves	improve	VERB
easat-5254	60	46	the	the	DET
easat-5254	60	47	accuracy	accuracy	NOUN
easat-5254	60	48	of	of	ADP
easat-5254	60	49	systemic	systemic	ADJ
easat-5254	60	50	risk	risk	NOUN
easat-5254	60	51	detection	detection	NOUN
easat-5254	60	52	in	in	ADP
easat-5254	60	53	banking	banking	NOUN
easat-5254	60	54	institutions	institution	NOUN
easat-5254	60	55	.	.	PUNCT
easat-5254	61	1	this	this	DET
easat-5254	61	2	hypothesis	hypothesis	NOUN
easat-5254	61	3	is	be	AUX
easat-5254	61	4	supported	support	VERB
easat-5254	61	5	by	by	ADP
easat-5254	61	6	empirical	empirical	ADJ
easat-5254	61	7	studies	study	NOUN
easat-5254	61	8	on	on	ADP
easat-5254	61	9	the	the	DET
easat-5254	61	10	application	application	NOUN
easat-5254	61	11	of	of	ADP
easat-5254	61	12	machine	machine	NOUN
easat-5254	61	13	learning	learning	NOUN
easat-5254	61	14	for	for	ADP
easat-5254	61	15	systemic	systemic	ADJ
easat-5254	61	16	risk	risk	NOUN
easat-5254	61	17	detection	detection	NOUN
easat-5254	61	18	[	[	X
easat-5254	61	19	44	44	NUM
easat-5254	61	20	]	]	PUNCT
easat-5254	61	21	.	.	PUNCT
easat-5254	62	1	second	second	ADJ
easat-5254	62	2	,	,	PUNCT
easat-5254	62	3	based	base	VERB
easat-5254	62	4	on	on	ADP
easat-5254	62	5	the	the	DET
easat-5254	62	6	heterogeneity	heterogeneity	NOUN
easat-5254	62	7	in	in	ADP
easat-5254	62	8	the	the	DET
easat-5254	62	9	sizes	size	NOUN
easat-5254	62	10	and	and	CCONJ
easat-5254	62	11	types	type	NOUN
easat-5254	62	12	of	of	ADP
easat-5254	62	13	banks	bank	NOUN
easat-5254	62	14	[	[	X
easat-5254	62	15	45	45	NUM
easat-5254	62	16	]	]	PUNCT
easat-5254	62	17	and	and	CCONJ
easat-5254	62	18	the	the	DET
easat-5254	62	19	differential	differential	ADJ
easat-5254	62	20	effects	effect	NOUN
easat-5254	62	21	of	of	ADP
easat-5254	62	22	ai	ai	PROPN
easat-5254	62	23	technologies	technology	NOUN
easat-5254	62	24	on	on	ADP
easat-5254	62	25	different	different	ADJ
easat-5254	62	26	types	type	NOUN
easat-5254	62	27	of	of	ADP
easat-5254	62	28	institutions	institution	NOUN
easat-5254	62	29	[	[	X
easat-5254	62	30	46	46	NUM
easat-5254	62	31	]	]	PUNCT
easat-5254	62	32	we	we	PRON
easat-5254	62	33	suggest	suggest	VERB
easat-5254	62	34	h2	h2	NOUN
easat-5254	62	35	:	:	PUNCT
easat-5254	62	36	the	the	DET
easat-5254	62	37	effectiveness	effectiveness	NOUN
easat-5254	62	38	of	of	ADP
easat-5254	62	39	risk	risk	NOUN
easat-5254	62	40	detection	detection	NOUN
easat-5254	62	41	using	use	VERB
easat-5254	62	42	intelligent	intelligent	ADJ
easat-5254	62	43	algorithms	algorithm	NOUN
easat-5254	62	44	significantly	significantly	ADV
easat-5254	62	45	differs	differ	VERB
easat-5254	62	46	across	across	ADP
easat-5254	62	47	different	different	ADJ
easat-5254	62	48	types	type	NOUN
easat-5254	62	49	of	of	ADP
easat-5254	62	50	banks	bank	NOUN
easat-5254	62	51	.	.	PUNCT
easat-5254	63	1	finally	finally	ADV
easat-5254	63	2	,	,	PUNCT
easat-5254	63	3	based	base	VERB
easat-5254	63	4	on	on	ADP
easat-5254	63	5	studies	study	NOUN
easat-5254	63	6	on	on	ADP
easat-5254	63	7	the	the	DET
easat-5254	63	8	effect	effect	NOUN
easat-5254	63	9	of	of	ADP
easat-5254	63	10	market	market	NOUN
easat-5254	63	11	conditions	condition	NOUN
easat-5254	63	12	on	on	ADP
easat-5254	63	13	systemic	systemic	ADJ
easat-5254	63	14	risk	risk	NOUN
easat-5254	63	15	[	[	X
easat-5254	63	16	47	47	NUM
easat-5254	63	17	]	]	PUNCT
easat-5254	63	18	and	and	CCONJ
easat-5254	63	19	the	the	DET
easat-5254	63	20	dynamic	dynamic	ADJ
easat-5254	63	21	nature	nature	NOUN
easat-5254	63	22	of	of	ADP
easat-5254	63	23	financial	financial	ADJ
easat-5254	63	24	networks	network	NOUN
easat-5254	63	25	[	[	X
easat-5254	63	26	48	48	NUM
easat-5254	63	27	]	]	PUNCT
easat-5254	63	28	we	we	PRON
easat-5254	63	29	suggest	suggest	VERB
easat-5254	63	30	h3	h3	NOUN
easat-5254	63	31	:	:	PUNCT
easat-5254	63	32	differing	differ	VERB
easat-5254	63	33	market	market	NOUN
easat-5254	63	34	conditions	condition	NOUN
easat-5254	63	35	have	have	VERB
easat-5254	63	36	a	a	DET
easat-5254	63	37	significant	significant	ADJ
easat-5254	63	38	moderating	moderate	VERB
easat-5254	63	39	effect	effect	NOUN
easat-5254	63	40	on	on	ADP
easat-5254	63	41	the	the	DET
easat-5254	63	42	effectiveness	effectiveness	NOUN
easat-5254	63	43	of	of	ADP
easat-5254	63	44	intelligent	intelligent	ADJ
easat-5254	63	45	algorithms	algorithm	NOUN
easat-5254	63	46	in	in	ADP
easat-5254	63	47	risk	risk	NOUN
easat-5254	63	48	detection	detection	NOUN
easat-5254	63	49	.	.	PUNCT
easat-5254	64	1	as	as	SCONJ
easat-5254	64	2	shown	show	VERB
easat-5254	64	3	in	in	ADP
easat-5254	64	4	figure	figure	NOUN
easat-5254	64	5	1	1	NUM
easat-5254	64	6	,	,	PUNCT
easat-5254	64	7	we	we	PRON
easat-5254	64	8	construct	construct	VERB
easat-5254	64	9	a	a	DET
easat-5254	64	10	theoretical	theoretical	ADJ
easat-5254	64	11	framework	framework	NOUN
easat-5254	64	12	that	that	PRON
easat-5254	64	13	explains	explain	VERB
easat-5254	64	14	these	these	DET
easat-5254	64	15	relationships	relationship	NOUN
easat-5254	64	16	.	.	PUNCT
easat-5254	65	1	figure	figure	NOUN
easat-5254	65	2	1	1	NUM
easat-5254	65	3	.	.	PUNCT
easat-5254	65	4	theoretical	theoretical	ADJ
easat-5254	65	5	framework	framework	NOUN
easat-5254	65	6	of	of	ADP
easat-5254	65	7	intelligent	intelligent	ADJ
easat-5254	65	8	algorithms	algorithm	NOUN
easat-5254	65	9	in	in	ADP
easat-5254	65	10	systemic	systemic	ADJ
easat-5254	65	11	risk	risk	NOUN
easat-5254	65	12	identification	identification	NOUN
easat-5254	65	13	.	.	PUNCT
easat-5254	66	1	note	note	NOUN
easat-5254	66	2	:	:	PUNCT
easat-5254	66	3	this	this	DET
easat-5254	66	4	figure	figure	NOUN
easat-5254	66	5	presents	present	VERB
easat-5254	66	6	the	the	DET
easat-5254	66	7	theoretical	theoretical	ADJ
easat-5254	66	8	framework	framework	NOUN
easat-5254	66	9	of	of	ADP
easat-5254	66	10	our	our	PRON
easat-5254	66	11	study	study	NOUN
easat-5254	66	12	.	.	PUNCT
easat-5254	67	1	the	the	DET
easat-5254	67	2	left	left	ADJ
easat-5254	67	3	dashed	dash	VERB
easat-5254	67	4	boxes	box	NOUN
easat-5254	67	5	represent	represent	VERB
easat-5254	67	6	three	three	NUM
easat-5254	67	7	main	main	ADJ
easat-5254	67	8	influencing	influence	VERB
easat-5254	67	9	factors	factor	NOUN
easat-5254	67	10	:	:	PUNCT
easat-5254	67	11	intelligent	intelligent	ADJ
easat-5254	67	12	algorithm	algorithm	NOUN
easat-5254	67	13	application	application	NOUN
easat-5254	67	14	,	,	PUNCT
easat-5254	67	15	bank	bank	NOUN
easat-5254	67	16	characteristics	characteristic	NOUN
easat-5254	67	17	,	,	PUNCT
easat-5254	67	18	and	and	CCONJ
easat-5254	67	19	market	market	NOUN
easat-5254	67	20	environment	environment	NOUN
easat-5254	67	21	.	.	PUNCT
easat-5254	68	1	the	the	DET
easat-5254	68	2	middle	middle	ADJ
easat-5254	68	3	gray	gray	NOUN
easat-5254	68	4	-	-	PUNCT
easat-5254	68	5	filled	fill	VERB
easat-5254	68	6	boxes	box	NOUN
easat-5254	68	7	represent	represent	VERB
easat-5254	68	8	mediating	mediating	NOUN
easat-5254	68	9	variables	variable	NOUN
easat-5254	68	10	:	:	PUNCT
easat-5254	68	11	risk	risk	NOUN
easat-5254	68	12	identification	identification	NOUN
easat-5254	68	13	effectiveness	effectiveness	NOUN
easat-5254	68	14	and	and	CCONJ
easat-5254	68	15	its	its	PRON
easat-5254	68	16	specific	specific	ADJ
easat-5254	68	17	manifestations	manifestation	NOUN
easat-5254	68	18	.	.	PUNCT
easat-5254	69	1	the	the	DET
easat-5254	69	2	right	right	ADJ
easat-5254	69	3	solid	solid	ADJ
easat-5254	69	4	boxes	box	NOUN
easat-5254	69	5	represent	represent	VERB
easat-5254	69	6	final	final	ADJ
easat-5254	69	7	outcome	outcome	NOUN
easat-5254	69	8	variables	variable	NOUN
easat-5254	69	9	:	:	PUNCT
easat-5254	69	10	systemic	systemic	ADJ
easat-5254	69	11	risk	risk	NOUN
easat-5254	69	12	level	level	NOUN
easat-5254	69	13	,	,	PUNCT
easat-5254	69	14	risk	risk	NOUN
easat-5254	69	15	contagion	contagion	NOUN
easat-5254	69	16	effect	effect	NOUN
easat-5254	69	17	,	,	PUNCT
easat-5254	69	18	and	and	CCONJ
easat-5254	69	19	financial	financial	ADJ
easat-5254	69	20	stability	stability	NOUN
easat-5254	69	21	.	.	PUNCT
easat-5254	70	1	556	556	NUM
easat-5254	70	2	edelweiss	edelweiss	PROPN
easat-5254	70	3	applied	apply	VERB
easat-5254	70	4	science	science	NOUN
easat-5254	70	5	and	and	CCONJ
easat-5254	70	6	technology	technology	NOUN
easat-5254	70	7	issn	issn	PROPN
easat-5254	70	8	:	:	PUNCT
easat-5254	70	9	2576	2576	NUM
easat-5254	70	10	-	-	SYM
easat-5254	70	11	8484	8484	NUM
easat-5254	70	12	vol	vol	NOUN
easat-5254	70	13	.	.	PROPN
easat-5254	71	1	9	9	NUM
easat-5254	71	2	,	,	PUNCT
easat-5254	71	3	no	no	INTJ
easat-5254	71	4	.	.	NOUN
easat-5254	72	1	3	3	NUM
easat-5254	72	2	:	:	PUNCT
easat-5254	72	3	553	553	NUM
easat-5254	72	4	-	-	SYM
easat-5254	72	5	567	567	NUM
easat-5254	72	6	,	,	PUNCT
easat-5254	72	7	2025	2025	NUM
easat-5254	72	8	doi	doi	NOUN
easat-5254	72	9	:	:	PUNCT
easat-5254	72	10	10.55214/25768484.v9i3.5254	10.55214/25768484.v9i3.5254	PROPN
easat-5254	72	11	©	©	PROPN
easat-5254	72	12	2025	2025	NUM
easat-5254	72	13	by	by	ADP
easat-5254	72	14	the	the	DET
easat-5254	72	15	authors	author	NOUN
easat-5254	72	16	;	;	PUNCT
easat-5254	72	17	licensee	licensee	PROPN
easat-5254	72	18	learning	learn	VERB
easat-5254	72	19	gate	gate	PROPN
easat-5254	72	20	h1	h1	PROPN
easat-5254	72	21	,	,	PUNCT
easat-5254	72	22	h2	h2	PROPN
easat-5254	72	23	,	,	PUNCT
easat-5254	72	24	and	and	CCONJ
easat-5254	72	25	h3	h3	NOUN
easat-5254	72	26	represent	represent	VERB
easat-5254	72	27	our	our	PRON
easat-5254	72	28	main	main	ADJ
easat-5254	72	29	research	research	NOUN
easat-5254	72	30	hypotheses	hypothesis	NOUN
easat-5254	72	31	,	,	PUNCT
easat-5254	72	32	indicating	indicate	VERB
easat-5254	72	33	the	the	DET
easat-5254	72	34	proposed	propose	VERB
easat-5254	72	35	relationships	relationship	NOUN
easat-5254	72	36	between	between	ADP
easat-5254	72	37	the	the	DET
easat-5254	72	38	variables	variable	NOUN
easat-5254	72	39	.	.	PUNCT
easat-5254	73	1	arrows	arrow	NOUN
easat-5254	73	2	indicate	indicate	VERB
easat-5254	73	3	the	the	DET
easat-5254	73	4	direction	direction	NOUN
easat-5254	73	5	of	of	ADP
easat-5254	73	6	influence	influence	NOUN
easat-5254	73	7	between	between	ADP
easat-5254	73	8	variables	variable	NOUN
easat-5254	73	9	.	.	PUNCT
easat-5254	74	1	this	this	DET
easat-5254	74	2	comprehensive	comprehensive	ADJ
easat-5254	74	3	theoretical	theoretical	ADJ
easat-5254	74	4	framework	framework	NOUN
easat-5254	74	5	demonstrates	demonstrate	VERB
easat-5254	74	6	the	the	DET
easat-5254	74	7	interconnections	interconnection	NOUN
easat-5254	74	8	between	between	ADP
easat-5254	74	9	intelligent	intelligent	ADJ
easat-5254	74	10	algorithms	algorithm	NOUN
easat-5254	74	11	,	,	PUNCT
easat-5254	74	12	bank	bank	NOUN
easat-5254	74	13	characteristics	characteristic	NOUN
easat-5254	74	14	,	,	PUNCT
easat-5254	74	15	market	market	NOUN
easat-5254	74	16	environment	environment	NOUN
easat-5254	74	17	,	,	PUNCT
easat-5254	74	18	and	and	CCONJ
easat-5254	74	19	their	their	PRON
easat-5254	74	20	impacts	impact	NOUN
easat-5254	74	21	on	on	ADP
easat-5254	74	22	systemic	systemic	ADJ
easat-5254	74	23	risk	risk	NOUN
easat-5254	74	24	identification	identification	NOUN
easat-5254	74	25	and	and	CCONJ
easat-5254	74	26	financial	financial	ADJ
easat-5254	74	27	stability	stability	NOUN
easat-5254	74	28	[	[	X
easat-5254	74	29	49	49	NUM
easat-5254	74	30	,	,	PUNCT
easat-5254	74	31	50	50	NUM
easat-5254	74	32	]	]	PUNCT
easat-5254	74	33	.	.	PUNCT
easat-5254	75	1	it	it	PRON
easat-5254	75	2	illustrates	illustrate	VERB
easat-5254	75	3	how	how	SCONJ
easat-5254	75	4	each	each	DET
easat-5254	75	5	hypothesis	hypothesis	NOUN
easat-5254	75	6	relates	relate	VERB
easat-5254	75	7	to	to	ADP
easat-5254	75	8	the	the	DET
easat-5254	75	9	broader	broad	ADJ
easat-5254	75	10	theoretical	theoretical	ADJ
easat-5254	75	11	context	context	NOUN
easat-5254	75	12	and	and	CCONJ
easat-5254	75	13	provides	provide	VERB
easat-5254	75	14	a	a	DET
easat-5254	75	15	foundation	foundation	NOUN
easat-5254	75	16	for	for	ADP
easat-5254	75	17	our	our	PRON
easat-5254	75	18	empirical	empirical	ADJ
easat-5254	75	19	analysis	analysis	NOUN
easat-5254	75	20	.	.	PUNCT
easat-5254	76	1	3	3	X
easat-5254	76	2	.	.	X
easat-5254	76	3	research	research	NOUN
easat-5254	76	4	design	design	PROPN
easat-5254	76	5	3.1	3.1	NUM
easat-5254	76	6	.	.	PUNCT
easat-5254	76	7	sample	sample	NOUN
easat-5254	76	8	selection	selection	NOUN
easat-5254	76	9	and	and	CCONJ
easat-5254	76	10	data	datum	NOUN
easat-5254	76	11	source	source	NOUN
easat-5254	76	12	this	this	DET
easat-5254	76	13	study	study	NOUN
easat-5254	76	14	analyzes	analyze	VERB
easat-5254	76	15	the	the	DET
easat-5254	76	16	chinese	chinese	ADJ
easat-5254	76	17	banking	banking	NOUN
easat-5254	76	18	sector	sector	NOUN
easat-5254	76	19	during	during	ADP
easat-5254	76	20	the	the	DET
easat-5254	76	21	period	period	NOUN
easat-5254	76	22	2018	2018	NUM
easat-5254	76	23	-	-	SYM
easat-5254	76	24	2023	2023	NUM
easat-5254	76	25	,	,	PUNCT
easat-5254	76	26	covering	cover	VERB
easat-5254	76	27	a	a	DET
easat-5254	76	28	large	large	ADJ
easat-5254	76	29	sample	sample	NOUN
easat-5254	76	30	of	of	ADP
easat-5254	76	31	publicly	publicly	ADV
easat-5254	76	32	listed	list	VERB
easat-5254	76	33	commercial	commercial	ADJ
easat-5254	76	34	banks	bank	NOUN
easat-5254	76	35	listed	list	VERB
easat-5254	76	36	on	on	ADP
easat-5254	76	37	the	the	DET
easat-5254	76	38	shanghai	shanghai	PROPN
easat-5254	76	39	and	and	CCONJ
easat-5254	76	40	shenzhen	shenzhen	PROPN
easat-5254	76	41	stock	stock	PROPN
easat-5254	76	42	exchanges	exchange	NOUN
easat-5254	76	43	.	.	PUNCT
easat-5254	77	1	banks	bank	NOUN
easat-5254	77	2	with	with	ADP
easat-5254	77	3	significant	significant	ADJ
easat-5254	77	4	data	datum	NOUN
easat-5254	77	5	gaps	gap	NOUN
easat-5254	77	6	or	or	CCONJ
easat-5254	77	7	banks	bank	NOUN
easat-5254	77	8	that	that	PRON
easat-5254	77	9	underwent	undergo	VERB
easat-5254	77	10	significant	significant	ADJ
easat-5254	77	11	restructuring	restructuring	NOUN
easat-5254	77	12	during	during	ADP
easat-5254	77	13	the	the	DET
easat-5254	77	14	period	period	NOUN
easat-5254	77	15	of	of	ADP
easat-5254	77	16	this	this	DET
easat-5254	77	17	study	study	NOUN
easat-5254	77	18	are	be	AUX
easat-5254	77	19	not	not	PART
easat-5254	77	20	included	include	VERB
easat-5254	77	21	in	in	ADP
easat-5254	77	22	the	the	DET
easat-5254	77	23	sample	sample	NOUN
easat-5254	77	24	.	.	PUNCT
easat-5254	78	1	the	the	DET
easat-5254	78	2	main	main	ADJ
easat-5254	78	3	financial	financial	ADJ
easat-5254	78	4	data	datum	NOUN
easat-5254	78	5	are	be	AUX
easat-5254	78	6	drawn	draw	VERB
easat-5254	78	7	from	from	ADP
easat-5254	78	8	the	the	DET
easat-5254	78	9	wind	wind	NOUN
easat-5254	78	10	and	and	CCONJ
easat-5254	78	11	csmar	csmar	PROPN
easat-5254	78	12	databases	database	NOUN
easat-5254	78	13	,	,	PUNCT
easat-5254	78	14	which	which	PRON
easat-5254	78	15	provide	provide	VERB
easat-5254	78	16	detailed	detailed	ADJ
easat-5254	78	17	quarterly	quarterly	ADJ
easat-5254	78	18	financial	financial	ADJ
easat-5254	78	19	statements	statement	NOUN
easat-5254	78	20	and	and	CCONJ
easat-5254	78	21	risk	risk	NOUN
easat-5254	78	22	-	-	PUNCT
easat-5254	78	23	related	relate	VERB
easat-5254	78	24	data	datum	NOUN
easat-5254	78	25	.	.	PUNCT
easat-5254	79	1	systemic	systemic	ADJ
easat-5254	79	2	risk	risk	NOUN
easat-5254	79	3	measures	measure	NOUN
easat-5254	79	4	and	and	CCONJ
easat-5254	79	5	market	market	NOUN
easat-5254	79	6	performance	performance	NOUN
easat-5254	79	7	data	datum	NOUN
easat-5254	79	8	are	be	AUX
easat-5254	79	9	obtained	obtain	VERB
easat-5254	79	10	from	from	ADP
easat-5254	79	11	the	the	DET
easat-5254	79	12	statistical	statistical	ADJ
easat-5254	79	13	database	database	NOUN
easat-5254	79	14	of	of	ADP
easat-5254	79	15	the	the	DET
easat-5254	79	16	china	china	PROPN
easat-5254	79	17	banking	banking	PROPN
easat-5254	79	18	and	and	CCONJ
easat-5254	79	19	insurance	insurance	NOUN
easat-5254	79	20	regulatory	regulatory	ADJ
easat-5254	79	21	commission	commission	NOUN
easat-5254	79	22	[	[	X
easat-5254	79	23	51	51	NUM
easat-5254	79	24	]	]	PUNCT
easat-5254	79	25	.	.	PUNCT
easat-5254	80	1	macroeconomic	macroeconomic	ADJ
easat-5254	80	2	information	information	NOUN
easat-5254	80	3	is	be	AUX
easat-5254	80	4	drawn	draw	VERB
easat-5254	80	5	from	from	ADP
easat-5254	80	6	the	the	DET
easat-5254	80	7	national	national	PROPN
easat-5254	80	8	bureau	bureau	PROPN
easat-5254	80	9	of	of	ADP
easat-5254	80	10	statistics	statistic	NOUN
easat-5254	80	11	of	of	ADP
easat-5254	80	12	china	china	PROPN
easat-5254	80	13	.	.	PUNCT
easat-5254	81	1	in	in	ADP
easat-5254	81	2	addition	addition	NOUN
easat-5254	81	3	,	,	PUNCT
easat-5254	81	4	additional	additional	ADJ
easat-5254	81	5	information	information	NOUN
easat-5254	81	6	on	on	ADP
easat-5254	81	7	the	the	DET
easat-5254	81	8	adoption	adoption	NOUN
easat-5254	81	9	of	of	ADP
easat-5254	81	10	artificial	artificial	ADJ
easat-5254	81	11	intelligence	intelligence	NOUN
easat-5254	81	12	and	and	CCONJ
easat-5254	81	13	technological	technological	ADJ
easat-5254	81	14	innovation	innovation	NOUN
easat-5254	81	15	is	be	AUX
easat-5254	81	16	derived	derive	VERB
easat-5254	81	17	from	from	ADP
easat-5254	81	18	the	the	DET
easat-5254	81	19	banks	bank	NOUN
easat-5254	81	20	'	'	PART
easat-5254	81	21	annual	annual	ADJ
easat-5254	81	22	reports	report	NOUN
easat-5254	81	23	and	and	CCONJ
easat-5254	81	24	regulatory	regulatory	ADJ
easat-5254	81	25	filings	filing	NOUN
easat-5254	81	26	[	[	X
easat-5254	81	27	52	52	NUM
easat-5254	81	28	,	,	PUNCT
easat-5254	81	29	53	53	NUM
easat-5254	81	30	]	]	PUNCT
easat-5254	81	31	.	.	PUNCT
easat-5254	82	1	after	after	ADP
easat-5254	82	2	applying	apply	VERB
easat-5254	82	3	our	our	PRON
easat-5254	82	4	selection	selection	NOUN
easat-5254	82	5	criteria	criterion	NOUN
easat-5254	82	6	and	and	CCONJ
easat-5254	82	7	data	datum	NOUN
easat-5254	82	8	harmonization	harmonization	NOUN
easat-5254	82	9	across	across	ADP
easat-5254	82	10	sources	source	NOUN
easat-5254	82	11	,	,	PUNCT
easat-5254	82	12	the	the	DET
easat-5254	82	13	final	final	ADJ
easat-5254	82	14	sample	sample	NOUN
easat-5254	82	15	consists	consist	VERB
easat-5254	82	16	of	of	ADP
easat-5254	82	17	36	36	NUM
easat-5254	82	18	publicly	publicly	ADV
easat-5254	82	19	listed	list	VERB
easat-5254	82	20	banks	bank	NOUN
easat-5254	82	21	,	,	PUNCT
easat-5254	82	22	each	each	PRON
easat-5254	82	23	with	with	ADP
easat-5254	82	24	24	24	NUM
easat-5254	82	25	quarterly	quarterly	ADJ
easat-5254	82	26	observations	observation	NOUN
easat-5254	82	27	,	,	PUNCT
easat-5254	82	28	thus	thus	ADV
easat-5254	82	29	providing	provide	VERB
easat-5254	82	30	a	a	DET
easat-5254	82	31	total	total	NOUN
easat-5254	82	32	of	of	ADP
easat-5254	82	33	864	864	NUM
easat-5254	82	34	bank	bank	NOUN
easat-5254	82	35	-	-	PUNCT
easat-5254	82	36	quarter	quarter	NOUN
easat-5254	82	37	observations	observation	NOUN
easat-5254	82	38	.	.	PUNCT
easat-5254	83	1	this	this	DET
easat-5254	83	2	analysis	analysis	NOUN
easat-5254	83	3	period	period	NOUN
easat-5254	83	4	covers	cover	VERB
easat-5254	83	5	both	both	CCONJ
easat-5254	83	6	the	the	DET
easat-5254	83	7	rapid	rapid	ADJ
easat-5254	83	8	development	development	NOUN
easat-5254	83	9	of	of	ADP
easat-5254	83	10	financial	financial	ADJ
easat-5254	83	11	technology	technology	NOUN
easat-5254	83	12	and	and	CCONJ
easat-5254	83	13	significant	significant	ADJ
easat-5254	83	14	market	market	NOUN
easat-5254	83	15	volatility	volatility	NOUN
easat-5254	83	16	,	,	PUNCT
easat-5254	83	17	thus	thus	ADV
easat-5254	83	18	providing	provide	VERB
easat-5254	83	19	an	an	DET
easat-5254	83	20	ideal	ideal	ADJ
easat-5254	83	21	setting	setting	NOUN
easat-5254	83	22	for	for	ADP
easat-5254	83	23	testing	test	VERB
easat-5254	83	24	the	the	DET
easat-5254	83	25	effectiveness	effectiveness	NOUN
easat-5254	83	26	of	of	ADP
easat-5254	83	27	intelligent	intelligent	ADJ
easat-5254	83	28	algorithms	algorithm	NOUN
easat-5254	83	29	in	in	ADP
easat-5254	83	30	detecting	detect	VERB
easat-5254	83	31	systemic	systemic	ADJ
easat-5254	83	32	risk	risk	NOUN
easat-5254	83	33	.	.	PUNCT
easat-5254	84	1	3.2	3.2	NUM
easat-5254	84	2	.	.	PUNCT
easat-5254	84	3	variable	variable	ADJ
easat-5254	84	4	design	design	NOUN
easat-5254	84	5	and	and	CCONJ
easat-5254	84	6	definition	definition	NOUN
easat-5254	84	7	our	our	PRON
easat-5254	84	8	variable	variable	ADJ
easat-5254	84	9	design	design	NOUN
easat-5254	84	10	includes	include	VERB
easat-5254	84	11	dependent	dependent	ADJ
easat-5254	84	12	,	,	PUNCT
easat-5254	84	13	independent	independent	ADJ
easat-5254	84	14	,	,	PUNCT
easat-5254	84	15	and	and	CCONJ
easat-5254	84	16	control	control	NOUN
easat-5254	84	17	variables	variable	NOUN
easat-5254	84	18	that	that	PRON
easat-5254	84	19	capture	capture	VERB
easat-5254	84	20	the	the	DET
easat-5254	84	21	complex	complex	ADJ
easat-5254	84	22	nature	nature	NOUN
easat-5254	84	23	of	of	ADP
easat-5254	84	24	systemic	systemic	ADJ
easat-5254	84	25	risk	risk	NOUN
easat-5254	84	26	identification	identification	NOUN
easat-5254	84	27	and	and	CCONJ
easat-5254	84	28	the	the	DET
easat-5254	84	29	implementation	implementation	NOUN
easat-5254	84	30	of	of	ADP
easat-5254	84	31	sophisticated	sophisticated	ADJ
easat-5254	84	32	algorithms	algorithm	NOUN
easat-5254	84	33	.	.	PUNCT
easat-5254	85	1	the	the	DET
easat-5254	85	2	dependent	dependent	ADJ
easat-5254	85	3	variable	variable	NOUN
easat-5254	85	4	is	be	AUX
easat-5254	85	5	used	use	VERB
easat-5254	85	6	to	to	PART
easat-5254	85	7	measure	measure	VERB
easat-5254	85	8	systemic	systemic	ADJ
easat-5254	85	9	risk	risk	NOUN
easat-5254	85	10	from	from	ADP
easat-5254	85	11	different	different	ADJ
easat-5254	85	12	perspectives	perspective	NOUN
easat-5254	85	13	,	,	PUNCT
easat-5254	85	14	using	use	VERB
easat-5254	85	15	covar	covar	NOUN
easat-5254	85	16	,	,	PUNCT
easat-5254	85	17	mes	me	NOUN
easat-5254	85	18	(	(	PUNCT
easat-5254	85	19	marginal	marginal	ADJ
easat-5254	85	20	expected	expect	VERB
easat-5254	85	21	shortfall	shortfall	NOUN
easat-5254	85	22	)	)	PUNCT
easat-5254	85	23	,	,	PUNCT
easat-5254	85	24	and	and	CCONJ
easat-5254	85	25	srisk	srisk	NOUN
easat-5254	85	26	measures	measure	NOUN
easat-5254	85	27	,	,	PUNCT
easat-5254	85	28	all	all	PRON
easat-5254	85	29	based	base	VERB
easat-5254	85	30	on	on	ADP
easat-5254	85	31	daily	daily	ADJ
easat-5254	85	32	stock	stock	NOUN
easat-5254	85	33	returns	return	NOUN
easat-5254	85	34	and	and	CCONJ
easat-5254	85	35	market	market	NOUN
easat-5254	85	36	data	datum	NOUN
easat-5254	85	37	.	.	PUNCT
easat-5254	86	1	for	for	ADP
easat-5254	86	2	independent	independent	ADJ
easat-5254	86	3	variables	variable	NOUN
easat-5254	86	4	,	,	PUNCT
easat-5254	86	5	we	we	PRON
easat-5254	86	6	define	define	VERB
easat-5254	86	7	extensive	extensive	ADJ
easat-5254	86	8	measures	measure	NOUN
easat-5254	86	9	for	for	ADP
easat-5254	86	10	the	the	DET
easat-5254	86	11	implementation	implementation	NOUN
easat-5254	86	12	of	of	ADP
easat-5254	86	13	smart	smart	ADJ
easat-5254	86	14	algorithms	algorithm	NOUN
easat-5254	86	15	,	,	PUNCT
easat-5254	86	16	including	include	VERB
easat-5254	86	17	ai	ai	PROPN
easat-5254	86	18	adoption	adoption	NOUN
easat-5254	86	19	intensity	intensity	NOUN
easat-5254	86	20	[	[	X
easat-5254	86	21	54	54	NUM
easat-5254	86	22	]	]	X
easat-5254	86	23	machine	machine	NOUN
easat-5254	86	24	learning	learning	NOUN
easat-5254	86	25	model	model	NOUN
easat-5254	86	26	sophistication	sophistication	NOUN
easat-5254	86	27	,	,	PUNCT
easat-5254	86	28	and	and	CCONJ
easat-5254	86	29	the	the	DET
easat-5254	86	30	implementation	implementation	NOUN
easat-5254	86	31	of	of	ADP
easat-5254	86	32	algorithmic	algorithmic	ADJ
easat-5254	86	33	trading	trading	NOUN
easat-5254	86	34	systems	system	NOUN
easat-5254	86	35	.	.	PUNCT
easat-5254	87	1	control	control	NOUN
easat-5254	87	2	variables	variable	NOUN
easat-5254	87	3	are	be	AUX
easat-5254	87	4	included	include	VERB
easat-5254	87	5	to	to	PART
easat-5254	87	6	capture	capture	VERB
easat-5254	87	7	bank	bank	NOUN
easat-5254	87	8	-	-	PUNCT
easat-5254	87	9	specific	specific	ADJ
easat-5254	87	10	characteristics	characteristic	NOUN
easat-5254	87	11	,	,	PUNCT
easat-5254	87	12	prevailing	prevail	VERB
easat-5254	87	13	market	market	NOUN
easat-5254	87	14	conditions	condition	NOUN
easat-5254	87	15	,	,	PUNCT
easat-5254	87	16	and	and	CCONJ
easat-5254	87	17	macroeconomic	macroeconomic	ADJ
easat-5254	87	18	variables	variable	NOUN
easat-5254	87	19	that	that	PRON
easat-5254	87	20	might	might	AUX
easat-5254	87	21	affect	affect	VERB
easat-5254	87	22	levels	level	NOUN
easat-5254	87	23	of	of	ADP
easat-5254	87	24	systemic	systemic	ADJ
easat-5254	87	25	risk	risk	NOUN
easat-5254	87	26	[	[	X
easat-5254	87	27	55	55	NUM
easat-5254	87	28	]	]	PUNCT
easat-5254	87	29	.	.	PUNCT
easat-5254	88	1	to	to	PART
easat-5254	88	2	control	control	VERB
easat-5254	88	3	for	for	ADP
easat-5254	88	4	the	the	DET
easat-5254	88	5	effects	effect	NOUN
easat-5254	88	6	that	that	PRON
easat-5254	88	7	are	be	AUX
easat-5254	88	8	time	time	NOUN
easat-5254	88	9	-	-	PUNCT
easat-5254	88	10	varying	vary	VERB
easat-5254	88	11	,	,	PUNCT
easat-5254	88	12	we	we	PRON
easat-5254	88	13	include	include	VERB
easat-5254	88	14	fixed	fix	VERB
easat-5254	88	15	effects	effect	NOUN
easat-5254	88	16	for	for	ADP
easat-5254	88	17	both	both	DET
easat-5254	88	18	years	year	NOUN
easat-5254	88	19	and	and	CCONJ
easat-5254	88	20	quarters	quarter	NOUN
easat-5254	88	21	.	.	PUNCT
easat-5254	89	1	to	to	PART
easat-5254	89	2	control	control	VERB
easat-5254	89	3	for	for	ADP
easat-5254	89	4	the	the	DET
easat-5254	89	5	impact	impact	NOUN
easat-5254	89	6	of	of	ADP
easat-5254	89	7	outliers	outlier	NOUN
easat-5254	89	8	,	,	PUNCT
easat-5254	89	9	all	all	DET
easat-5254	89	10	continuous	continuous	ADJ
easat-5254	89	11	variables	variable	NOUN
easat-5254	89	12	are	be	AUX
easat-5254	89	13	winsorized	winsorize	VERB
easat-5254	89	14	at	at	ADP
easat-5254	89	15	the	the	DET
easat-5254	89	16	1st	1st	ADJ
easat-5254	89	17	and	and	CCONJ
easat-5254	89	18	99th	99th	ADJ
easat-5254	89	19	percentiles	percentile	NOUN
easat-5254	89	20	.	.	PUNCT
easat-5254	90	1	557	557	NUM
easat-5254	90	2	edelweiss	edelweiss	PROPN
easat-5254	90	3	applied	apply	VERB
easat-5254	90	4	science	science	NOUN
easat-5254	90	5	and	and	CCONJ
easat-5254	90	6	technology	technology	NOUN
easat-5254	90	7	issn	issn	PROPN
easat-5254	90	8	:	:	PUNCT
easat-5254	90	9	2576	2576	NUM
easat-5254	90	10	-	-	SYM
easat-5254	90	11	8484	8484	NUM
easat-5254	90	12	vol	vol	NOUN
easat-5254	90	13	.	.	PROPN
easat-5254	91	1	9	9	NUM
easat-5254	91	2	,	,	PUNCT
easat-5254	91	3	no	no	INTJ
easat-5254	91	4	.	.	NOUN
easat-5254	92	1	3	3	NUM
easat-5254	92	2	:	:	PUNCT
easat-5254	92	3	553	553	NUM
easat-5254	92	4	-	-	SYM
easat-5254	92	5	567	567	NUM
easat-5254	92	6	,	,	PUNCT
easat-5254	92	7	2025	2025	NUM
easat-5254	92	8	doi	doi	NOUN
easat-5254	92	9	:	:	PUNCT
easat-5254	92	10	10.55214/25768484.v9i3.5254	10.55214/25768484.v9i3.5254	PROPN
easat-5254	92	11	©	©	PROPN
easat-5254	92	12	2025	2025	NUM
easat-5254	92	13	by	by	ADP
easat-5254	92	14	the	the	DET
easat-5254	92	15	authors	author	NOUN
easat-5254	92	16	;	;	PUNCT
easat-5254	92	17	licensee	licensee	PROPN
easat-5254	92	18	learning	learn	VERB
easat-5254	92	19	gate	gate	NOUN
easat-5254	92	20	table	table	NOUN
easat-5254	92	21	1	1	NUM
easat-5254	92	22	.	.	PUNCT
easat-5254	93	1	variable	variable	ADJ
easat-5254	93	2	definitions	definition	NOUN
easat-5254	93	3	and	and	CCONJ
easat-5254	93	4	measurements	measurement	NOUN
easat-5254	93	5	.	.	PUNCT
easat-5254	94	1	category	category	NOUN
easat-5254	94	2	variable	variable	ADJ
easat-5254	94	3	definition	definition	NOUN
easat-5254	94	4	measurement	measurement	NOUN
easat-5254	94	5	dependent	dependent	ADJ
easat-5254	94	6	variables	variable	VERB
easat-5254	94	7	covar	covar	NOUN
easat-5254	94	8	conditional	conditional	ADJ
easat-5254	94	9	value	value	NOUN
easat-5254	94	10	at	at	ADP
easat-5254	94	11	risk	risk	NOUN
easat-5254	94	12	daily	daily	ADJ
easat-5254	94	13	stock	stock	NOUN
easat-5254	94	14	returns	return	NOUN
easat-5254	94	15	conditional	conditional	ADJ
easat-5254	94	16	on	on	ADP
easat-5254	94	17	market	market	NOUN
easat-5254	94	18	stress	stress	NOUN
easat-5254	94	19	mes	me	NOUN
easat-5254	94	20	marginal	marginal	ADJ
easat-5254	94	21	expected	expect	VERB
easat-5254	94	22	shortfall	shortfall	NOUN
easat-5254	94	23	expected	expect	VERB
easat-5254	94	24	capital	capital	NOUN
easat-5254	94	25	shortfall	shortfall	NOUN
easat-5254	94	26	during	during	ADP
easat-5254	94	27	market	market	NOUN
easat-5254	94	28	decline	decline	NOUN
easat-5254	94	29	srisk	srisk	NOUN
easat-5254	94	30	systemic	systemic	ADJ
easat-5254	94	31	risk	risk	NOUN
easat-5254	94	32	index	index	NOUN
easat-5254	94	33	combined	combine	VERB
easat-5254	94	34	measure	measure	NOUN
easat-5254	94	35	of	of	ADP
easat-5254	94	36	size	size	NOUN
easat-5254	94	37	and	and	CCONJ
easat-5254	94	38	risk	risk	NOUN
easat-5254	94	39	exposure	exposure	NOUN
easat-5254	94	40	independent	independent	ADJ
easat-5254	94	41	variables	variable	NOUN
easat-5254	94	42	iai	iai	VERB
easat-5254	94	43	ndex	ndex	NOUN
easat-5254	94	44	ai	ai	VERB
easat-5254	94	45	implementation	implementation	NOUN
easat-5254	94	46	index	index	NOUN
easat-5254	94	47	composite	composite	ADJ
easat-5254	94	48	score	score	NOUN
easat-5254	94	49	(	(	PUNCT
easat-5254	94	50	0	0	NUM
easat-5254	94	51	-	-	SYM
easat-5254	94	52	100	100	NUM
easat-5254	94	53	)	)	PUNCT
easat-5254	94	54	based	base	VERB
easat-5254	94	55	on	on	ADP
easat-5254	94	56	ai	ai	PROPN
easat-5254	94	57	adoption	adoption	NOUN
easat-5254	94	58	sml	sml	PROPN
easat-5254	94	59	core	core	NOUN
easat-5254	94	60	machine	machine	NOUN
easat-5254	94	61	learning	learn	VERB
easat-5254	94	62	sophistication	sophistication	NOUN
easat-5254	94	63	weighted	weight	VERB
easat-5254	94	64	average	average	NOUN
easat-5254	94	65	of	of	ADP
easat-5254	94	66	ml	ml	NOUN
easat-5254	94	67	model	model	NOUN
easat-5254	94	68	complexity	complexity	PROPN
easat-5254	94	69	talgo	talgo	PROPN
easat-5254	94	70	rade	rade	PROPN
easat-5254	94	71	algorithmic	algorithmic	ADJ
easat-5254	94	72	trading	trading	NOUN
easat-5254	94	73	level	level	NOUN
easat-5254	94	74	percentage	percentage	NOUN
easat-5254	94	75	of	of	ADP
easat-5254	94	76	algo	algo	NOUN
easat-5254	94	77	-	-	PUNCT
easat-5254	94	78	trading	trading	NOUN
easat-5254	94	79	volume	volume	NOUN
easat-5254	94	80	control	control	NOUN
easat-5254	94	81	variables	variables	PROPN
easat-5254	94	82	size	size	NOUN
easat-5254	94	83	bank	bank	NOUN
easat-5254	94	84	size	size	NOUN
easat-5254	94	85	natural	natural	ADJ
easat-5254	94	86	log	log	NOUN
easat-5254	94	87	of	of	ADP
easat-5254	94	88	total	total	ADJ
easat-5254	94	89	assets	asset	NOUN
easat-5254	94	90	leverage	leverage	VERB
easat-5254	94	91	financial	financial	ADJ
easat-5254	94	92	leverage	leverage	NOUN
easat-5254	94	93	total	total	ADJ
easat-5254	94	94	debt	debt	NOUN
easat-5254	94	95	/	/	SYM
easat-5254	94	96	total	total	NOUN
easat-5254	94	97	equity	equity	NOUN
easat-5254	94	98	roa	roa	PROPN
easat-5254	94	99	return	return	NOUN
easat-5254	94	100	on	on	ADP
easat-5254	94	101	assets	asset	NOUN
easat-5254	94	102	net	net	ADJ
easat-5254	94	103	income	income	NOUN
easat-5254	94	104	/	/	SYM
easat-5254	94	105	total	total	ADJ
easat-5254	94	106	assets	asset	NOUN
easat-5254	94	107	npl	npl	X
easat-5254	94	108	non	non	ADJ
easat-5254	94	109	-	-	ADJ
easat-5254	94	110	performing	perform	VERB
easat-5254	94	111	loan	loan	NOUN
easat-5254	94	112	ratio	ratio	NOUN
easat-5254	94	113	npl	npl	PROPN
easat-5254	94	114	/	/	SYM
easat-5254	94	115	total	total	ADJ
easat-5254	94	116	loans	loan	NOUN
easat-5254	94	117	car	car	NOUN
easat-5254	94	118	capital	capital	NOUN
easat-5254	94	119	adequacy	adequacy	NOUN
easat-5254	94	120	ratio	ratio	NOUN
easat-5254	94	121	tier	tier	NOUN
easat-5254	94	122	1	1	NUM
easat-5254	94	123	+	+	NUM
easat-5254	94	124	tier	tier	NOUN
easat-5254	94	125	2	2	NUM
easat-5254	94	126	capital	capital	NOUN
easat-5254	94	127	/	/	SYM
easat-5254	94	128	rwa	rwa	PROPN
easat-5254	94	129	ggdp	ggdp	PROPN
easat-5254	94	130	rowth	rowth	NOUN
easat-5254	94	131	gdp	gdp	NOUN
easat-5254	94	132	growth	growth	NOUN
easat-5254	94	133	rate	rate	NOUN
easat-5254	94	134	quarterly	quarterly	PROPN
easat-5254	94	135	gdp	gdp	NOUN
easat-5254	94	136	growth	growth	NOUN
easat-5254	94	137	rate	rate	NOUN
easat-5254	94	138	2gm	2gm	ADJ
easat-5254	94	139	rowth	rowth	NOUN
easat-5254	94	140	money	money	NOUN
easat-5254	94	141	supply	supply	NOUN
easat-5254	94	142	growth	growth	NOUN
easat-5254	94	143	year	year	NOUN
easat-5254	94	144	-	-	PUNCT
easat-5254	94	145	over	over	ADP
easat-5254	94	146	-	-	PUNCT
easat-5254	94	147	year	year	NOUN
easat-5254	94	148	m2	m2	PROPN
easat-5254	94	149	growth	growth	NOUN
easat-5254	94	150	market	market	NOUN
easat-5254	94	151	vol	vol	NOUN
easat-5254	94	152	market	market	NOUN
easat-5254	94	153	volatility	volatility	NOUN
easat-5254	94	154	daily	daily	ADJ
easat-5254	94	155	market	market	NOUN
easat-5254	94	156	return	return	NOUN
easat-5254	94	157	volatility	volatility	NOUN
easat-5254	94	158	note	note	NOUN
easat-5254	94	159	:	:	PUNCT
easat-5254	94	160	this	this	DET
easat-5254	94	161	table	table	NOUN
easat-5254	94	162	presents	present	VERB
easat-5254	94	163	the	the	DET
easat-5254	94	164	definitions	definition	NOUN
easat-5254	94	165	and	and	CCONJ
easat-5254	94	166	measurements	measurement	NOUN
easat-5254	94	167	of	of	ADP
easat-5254	94	168	all	all	DET
easat-5254	94	169	variables	variable	NOUN
easat-5254	94	170	used	use	VERB
easat-5254	94	171	in	in	ADP
easat-5254	94	172	our	our	PRON
easat-5254	94	173	empirical	empirical	ADJ
easat-5254	94	174	analysis	analysis	NOUN
easat-5254	94	175	.	.	PUNCT
easat-5254	95	1	all	all	DET
easat-5254	95	2	financial	financial	ADJ
easat-5254	95	3	variables	variable	NOUN
easat-5254	95	4	are	be	AUX
easat-5254	95	5	winsorized	winsorize	VERB
easat-5254	95	6	at	at	ADP
easat-5254	95	7	the	the	DET
easat-5254	95	8	1st	1st	ADJ
easat-5254	95	9	and	and	CCONJ
easat-5254	95	10	99th	99th	ADJ
easat-5254	95	11	percentiles	percentile	NOUN
easat-5254	95	12	.	.	PUNCT
easat-5254	96	1	3.3	3.3	NUM
easat-5254	96	2	.	.	PUNCT
easat-5254	97	1	model	model	NOUN
easat-5254	97	2	construction	construction	NOUN
easat-5254	97	3	our	our	PRON
easat-5254	97	4	empirical	empirical	ADJ
easat-5254	97	5	analysis	analysis	NOUN
easat-5254	97	6	employs	employ	VERB
easat-5254	97	7	a	a	DET
easat-5254	97	8	comprehensive	comprehensive	ADJ
easat-5254	97	9	modeling	modeling	NOUN
easat-5254	97	10	approach	approach	NOUN
easat-5254	97	11	that	that	PRON
easat-5254	97	12	combines	combine	VERB
easat-5254	97	13	traditional	traditional	ADJ
easat-5254	97	14	econometric	econometric	ADJ
easat-5254	97	15	methods	method	NOUN
easat-5254	97	16	with	with	ADP
easat-5254	97	17	machine	machine	NOUN
easat-5254	97	18	learning	learn	VERB
easat-5254	97	19	techniques	technique	NOUN
easat-5254	97	20	.	.	PUNCT
easat-5254	98	1	the	the	DET
easat-5254	98	2	baseline	baseline	PROPN
easat-5254	98	3	model	model	NOUN
easat-5254	98	4	specification	specification	NOUN
easat-5254	98	5	is	be	AUX
easat-5254	98	6	as	as	SCONJ
easat-5254	98	7	follows	follow	VERB
easat-5254	98	8	:	:	PUNCT
easat-5254	98	9	,	,	PUNCT
easat-5254	98	10	1	1	NUM
easat-5254	98	11	,	,	PUNCT
easat-5254	98	12	2	2	NUM
easat-5254	98	13	,	,	PUNCT
easat-5254	98	14	3	3	NUM
easat-5254	98	15	,	,	PUNCT
easat-5254	98	16	,	,	PUNCT
easat-5254	98	17	,	,	PUNCT
easat-5254	98	18	i	i	PRON
easat-5254	98	19	t	t	VERB
easat-5254	99	1	i	i	PRON
easat-5254	100	1	i	i	PRON
easat-5254	100	2	t	t	X
easat-5254	100	3	s	s	X
easat-5254	101	1	i	i	INTJ
easat-5254	101	2	t	t	NOUN
easat-5254	102	1	t	t	NOUN
easat-5254	103	1	i	i	PRON
easat-5254	103	2	t	t	X
easat-5254	104	1	i	i	PRON
easat-5254	104	2	t	t	X
easat-5254	105	1	i	i	PRON
easat-5254	105	2	t	t	NOUN
easat-5254	106	1	i	i	PRON
easat-5254	106	2	tsysrisk	tsysrisk	NOUN
easat-5254	106	3	ai	ai	VERB
easat-5254	106	4	ndex	ndex	PROPN
easat-5254	106	5	ml	ml	ADP
easat-5254	106	6	core	core	PROPN
easat-5254	106	7	algo	algo	PROPN
easat-5254	106	8	rade	rade	PROPN
easat-5254	106	9	controls	controls	PROPN
easat-5254	106	10			PROPN
easat-5254	106	11			PROPN
easat-5254	106	12			PROPN
easat-5254	106	13			NUM
easat-5254	106	14			NUM
easat-5254	106	15	=	=	NOUN
easat-5254	107	1	+	+	X
easat-5254	108	1	+	+	PUNCT
easat-5254	109	1	+	+	PUNCT
easat-5254	109	2	+	+	PUNCT
easat-5254	109	3	+	+	PUNCT
easat-5254	109	4	+	+	X
easat-5254	109	5	+	+	ADJ
easat-5254	109	6	ò	ò	PROPN
easat-5254	109	7	where	where	SCONJ
easat-5254	109	8	,	,	PUNCT
easat-5254	109	9	i	i	PRON
easat-5254	109	10	tsysrisk	tsysrisk	NOUN
easat-5254	109	11	represents	represent	VERB
easat-5254	109	12	our	our	PRON
easat-5254	109	13	systemic	systemic	ADJ
easat-5254	109	14	risk	risk	NOUN
easat-5254	109	15	measures	measure	NOUN
easat-5254	109	16	(	(	PUNCT
easat-5254	109	17	covar	covar	NOUN
easat-5254	109	18	,	,	PUNCT
easat-5254	109	19	mes	me	NOUN
easat-5254	109	20	,	,	PUNCT
easat-5254	109	21	or	or	CCONJ
easat-5254	109	22	srisk	srisk	NOUN
easat-5254	109	23	)	)	PUNCT
easat-5254	109	24	for	for	ADP
easat-5254	109	25	bank	bank	PROPN
easat-5254	109	26	i	i	PRON
easat-5254	109	27	at	at	ADP
easat-5254	109	28	time	time	NOUN
easat-5254	109	29	t	t	PROPN
easat-5254	109	30	.	.	PUNCT
easat-5254	110	1	to	to	PART
easat-5254	110	2	address	address	VERB
easat-5254	110	3	potential	potential	ADJ
easat-5254	110	4	endogeneity	endogeneity	NOUN
easat-5254	110	5	concerns	concern	NOUN
easat-5254	110	6	,	,	PUNCT
easat-5254	110	7	we	we	PRON
easat-5254	110	8	employ	employ	VERB
easat-5254	110	9	a	a	DET
easat-5254	110	10	dynamic	dynamic	ADJ
easat-5254	110	11	panel	panel	NOUN
easat-5254	110	12	specification	specification	NOUN
easat-5254	110	13	:	:	PUNCT
easat-5254	110	14	,	,	PUNCT
easat-5254	110	15	,	,	PUNCT
easat-5254	110	16	1	1	NUM
easat-5254	110	17	1	1	NUM
easat-5254	110	18	,	,	PUNCT
easat-5254	110	19	2	2	NUM
easat-5254	110	20	,	,	PUNCT
easat-5254	110	21	3	3	NUM
easat-5254	110	22	,	,	PUNCT
easat-5254	110	23	,	,	PUNCT
easat-5254	110	24	,	,	PUNCT
easat-5254	110	25	i	i	PRON
easat-5254	110	26	t	t	VERB
easat-5254	111	1	i	i	PRON
easat-5254	111	2	t	t	X
easat-5254	112	1	i	i	PRON
easat-5254	113	1	i	i	PRON
easat-5254	113	2	t	t	X
easat-5254	113	3	s	s	X
easat-5254	114	1	i	i	INTJ
easat-5254	114	2	t	t	NOUN
easat-5254	115	1	t	t	NOUN
easat-5254	116	1	i	i	PRON
easat-5254	116	2	t	t	X
easat-5254	117	1	i	i	PRON
easat-5254	117	2	t	t	X
easat-5254	118	1	i	i	PRON
easat-5254	118	2	t	t	X
easat-5254	119	1	i	i	PRON
easat-5254	119	2	tsysrisk	tsysrisk	NOUN
easat-5254	119	3	sysrisk	sysrisk	NOUN
easat-5254	119	4	ai	ai	VERB
easat-5254	119	5	ndex	ndex	NOUN
easat-5254	119	6	ml	ml	ADP
easat-5254	119	7	core	core	PROPN
easat-5254	119	8	algo	algo	PROPN
easat-5254	119	9	rade	rade	PROPN
easat-5254	119	10	controls	controls	PROPN
easat-5254	119	11			ADP
easat-5254	119	12			PROPN
easat-5254	119	13			PROPN
easat-5254	119	14			PROPN
easat-5254	119	15			NUM
easat-5254	119	16			NUM
easat-5254	119	17	−=	−=	NOUN
easat-5254	120	1	+	+	X
easat-5254	120	2	+	+	PUNCT
easat-5254	120	3	+	+	PUNCT
easat-5254	120	4	+	+	PUNCT
easat-5254	120	5	+	+	PUNCT
easat-5254	120	6	+	+	PUNCT
easat-5254	121	1	+	+	X
easat-5254	121	2	+	+	ADJ
easat-5254	121	3	ò	ò	X
easat-5254	121	4	for	for	ADP
easat-5254	121	5	the	the	DET
easat-5254	121	6	heterogeneity	heterogeneity	NOUN
easat-5254	121	7	analysis	analysis	NOUN
easat-5254	121	8	,	,	PUNCT
easat-5254	121	9	we	we	PRON
easat-5254	121	10	introduce	introduce	VERB
easat-5254	121	11	interaction	interaction	NOUN
easat-5254	121	12	terms	term	NOUN
easat-5254	121	13	:	:	PUNCT
easat-5254	121	14	,	,	PUNCT
easat-5254	121	15	1	1	NUM
easat-5254	121	16	,	,	PUNCT
easat-5254	121	17	2	2	NUM
easat-5254	121	18	,	,	PUNCT
easat-5254	121	19	,	,	PUNCT
easat-5254	121	20	3	3	NUM
easat-5254	121	21	,	,	PUNCT
easat-5254	121	22	,	,	PUNCT
easat-5254	121	23	,	,	PUNCT
easat-5254	121	24	(	(	PUNCT
easat-5254	121	25	)	)	PUNCT
easat-5254	121	26	(	(	PUNCT
easat-5254	121	27	)	)	PUNCT
easat-5254	122	1	i	i	PRON
easat-5254	122	2	t	t	VERB
easat-5254	123	1	i	i	PRON
easat-5254	124	1	i	i	PRON
easat-5254	124	2	t	t	VERB
easat-5254	125	1	i	i	PRON
easat-5254	126	1	i	i	PRON
easat-5254	126	2	t	t	VERB
easat-5254	126	3	c	c	NOUN
easat-5254	127	1	i	i	PRON
easat-5254	127	2	t	t	VERB
easat-5254	128	1	i	i	PRON
easat-5254	129	1	i	i	PRON
easat-5254	129	2	t	t	VERB
easat-5254	130	1	c	c	NOUN
easat-5254	130	2	t	t	NOUN
easat-5254	131	1	i	i	PRON
easat-5254	131	2	t	t	X
easat-5254	132	1	i	i	PRON
easat-5254	132	2	t	t	X
easat-5254	133	1	i	i	PRON
easat-5254	133	2	t	t	PROPN
easat-5254	133	3	sysrisk	sysrisk	NOUN
easat-5254	133	4	ai	ai	VERB
easat-5254	133	5	ndex	ndex	NOUN
easat-5254	133	6	ai	ai	VERB
easat-5254	133	7	ndex	ndex	PROPN
easat-5254	133	8	bank	bank	NOUN
easat-5254	133	9	har	har	NOUN
easat-5254	133	10	ai	ai	VERB
easat-5254	133	11	ndex	ndex	NOUN
easat-5254	133	12	market	market	NOUN
easat-5254	133	13	ond	ond	NOUN
easat-5254	133	14	controls	control	NOUN
easat-5254	133	15			NUM
easat-5254	133	16			PROPN
easat-5254	133	17			PROPN
easat-5254	133	18			PROPN
easat-5254	133	19			NUM
easat-5254	133	20			NUM
easat-5254	133	21			X
easat-5254	134	1	=	=	PUNCT
easat-5254	135	1	+	+	PROPN
easat-5254	136	1	+	+	CCONJ
easat-5254	136	2			NOUN
easat-5254	136	3	+	+	CCONJ
easat-5254	136	4			NOUN
easat-5254	136	5	+	+	NOUN
easat-5254	136	6	+	+	PUNCT
easat-5254	136	7	+	+	X
easat-5254	136	8	+	+	ADJ
easat-5254	136	9	ò	ò	PROPN
easat-5254	136	10	where	where	SCONJ
easat-5254	136	11	i	i	PROPN
easat-5254	136	12	represents	represent	VERB
easat-5254	136	13	bank	bank	NOUN
easat-5254	136	14	fixed	fix	VERB
easat-5254	136	15	effects	effect	NOUN
easat-5254	136	16	,	,	PUNCT
easat-5254	136	17	t	t	PRON
easat-5254	136	18	captures	capture	NOUN
easat-5254	136	19	time	time	VERB
easat-5254	136	20	fixed	fix	VERB
easat-5254	136	21	effects	effect	NOUN
easat-5254	136	22	,	,	PUNCT
easat-5254	136	23	and	and	CCONJ
easat-5254	136	24	,	,	PUNCT
easat-5254	136	25	i	i	PRON
easat-5254	136	26	tò	tò	INTJ
easat-5254	136	27	is	be	AUX
easat-5254	136	28	the	the	DET
easat-5254	136	29	error	error	NOUN
easat-5254	136	30	term	term	NOUN
easat-5254	136	31	.	.	PUNCT
easat-5254	137	1	the	the	DET
easat-5254	137	2	model	model	NOUN
easat-5254	137	3	parameters	parameter	NOUN
easat-5254	137	4	are	be	AUX
easat-5254	137	5	estimated	estimate	VERB
easat-5254	137	6	using	use	VERB
easat-5254	137	7	system	system	NOUN
easat-5254	137	8	gmm	gmm	PRON
easat-5254	137	9	to	to	PART
easat-5254	137	10	address	address	VERB
easat-5254	137	11	potential	potential	ADJ
easat-5254	137	12	endogeneity	endogeneity	NOUN
easat-5254	137	13	and	and	CCONJ
easat-5254	137	14	serial	serial	ADJ
easat-5254	137	15	correlation	correlation	NOUN
easat-5254	137	16	issues	issue	NOUN
easat-5254	137	17	,	,	PUNCT
easat-5254	137	18	following	follow	VERB
easat-5254	137	19	the	the	DET
easat-5254	137	20	standard	standard	ADJ
easat-5254	137	21	moment	moment	NOUN
easat-5254	137	22	conditions	condition	NOUN
easat-5254	137	23	:	:	PUNCT
easat-5254	137	24	,	,	PUNCT
easat-5254	137	25	,	,	PUNCT
easat-5254	137	26	[	[	PUNCT
easat-5254	137	27	]	]	X
easat-5254	137	28	0i	0i	PROPN
easat-5254	138	1	t	t	PROPN
easat-5254	139	1	i	i	PRON
easat-5254	139	2	t	t	PROPN
easat-5254	139	3	se	se	X
easat-5254	139	4	z	z	PROPN
easat-5254	140	1	−	−	NUM
easat-5254	140	2			NUM
easat-5254	140	3	=	=	PRON
easat-5254	140	4	ò	ò	PROPN
easat-5254	140	5	for	for	ADP
easat-5254	140	6	2s	2s	NUM
easat-5254	140	7			NUM
easat-5254	140	8	where	where	SCONJ
easat-5254	140	9	,	,	PUNCT
easat-5254	140	10	i	i	PRON
easat-5254	140	11	t	t	PROPN
easat-5254	140	12	sz	sz	NOUN
easat-5254	140	13	−	−	PROPN
easat-5254	140	14	represents	represent	VERB
easat-5254	140	15	the	the	DET
easat-5254	140	16	instrument	instrument	NOUN
easat-5254	140	17	matrix	matrix	NOUN
easat-5254	140	18	containing	contain	VERB
easat-5254	140	19	lagged	lag	VERB
easat-5254	140	20	levels	level	NOUN
easat-5254	140	21	and	and	CCONJ
easat-5254	140	22	differences	difference	NOUN
easat-5254	140	23	of	of	ADP
easat-5254	140	24	the	the	DET
easat-5254	140	25	explanatory	explanatory	ADJ
easat-5254	140	26	variables	variable	NOUN
easat-5254	140	27	.	.	PUNCT
easat-5254	141	1	558	558	NUM
easat-5254	141	2	edelweiss	edelweiss	PROPN
easat-5254	141	3	applied	apply	VERB
easat-5254	141	4	science	science	NOUN
easat-5254	141	5	and	and	CCONJ
easat-5254	141	6	technology	technology	NOUN
easat-5254	141	7	issn	issn	PROPN
easat-5254	141	8	:	:	PUNCT
easat-5254	141	9	2576	2576	NUM
easat-5254	141	10	-	-	SYM
easat-5254	141	11	8484	8484	NUM
easat-5254	141	12	vol	vol	NOUN
easat-5254	141	13	.	.	PROPN
easat-5254	142	1	9	9	NUM
easat-5254	142	2	,	,	PUNCT
easat-5254	142	3	no	no	INTJ
easat-5254	142	4	.	.	NOUN
easat-5254	143	1	3	3	NUM
easat-5254	143	2	:	:	PUNCT
easat-5254	143	3	553	553	NUM
easat-5254	143	4	-	-	SYM
easat-5254	143	5	567	567	NUM
easat-5254	143	6	,	,	PUNCT
easat-5254	143	7	2025	2025	NUM
easat-5254	143	8	doi	doi	NOUN
easat-5254	143	9	:	:	PUNCT
easat-5254	143	10	10.55214/25768484.v9i3.5254	10.55214/25768484.v9i3.5254	PROPN
easat-5254	143	11	©	©	PROPN
easat-5254	143	12	2025	2025	NUM
easat-5254	143	13	by	by	ADP
easat-5254	143	14	the	the	DET
easat-5254	143	15	authors	author	NOUN
easat-5254	143	16	;	;	PUNCT
easat-5254	143	17	licensee	licensee	PROPN
easat-5254	143	18	learning	learn	VERB
easat-5254	143	19	gate	gate	NOUN
easat-5254	143	20	table	table	NOUN
easat-5254	143	21	2	2	NUM
easat-5254	143	22	.	.	PUNCT
easat-5254	143	23	descriptive	descriptive	ADJ
easat-5254	143	24	statistics	statistic	NOUN
easat-5254	143	25	of	of	ADP
easat-5254	143	26	key	key	ADJ
easat-5254	143	27	variables	variable	NOUN
easat-5254	143	28	(	(	PUNCT
easat-5254	143	29	2018	2018	NUM
easat-5254	143	30	-	-	SYM
easat-5254	143	31	2023	2023	NUM
easat-5254	143	32	)	)	PUNCT
easat-5254	143	33	.	.	PUNCT
easat-5254	144	1	category	category	NOUN
easat-5254	144	2	variable	variable	NOUN
easat-5254	144	3	n	n	PRON
easat-5254	144	4	mean	mean	VERB
easat-5254	144	5	sd	sd	ADP
easat-5254	144	6	min	min	PROPN
easat-5254	144	7	p25	p25	PROPN
easat-5254	144	8	median	median	PROPN
easat-5254	144	9	p75	p75	PROPN
easat-5254	144	10	max	max	PROPN
easat-5254	144	11	skewness	skewness	NOUN
easat-5254	144	12	kurtosis	kurtosis	VERB
easat-5254	144	13	systemic	systemic	ADJ
easat-5254	144	14	risk	risk	NOUN
easat-5254	144	15	covar	covar	NOUN
easat-5254	144	16	864	864	NUM
easat-5254	145	1	-0.028	-0.028	NOUN
easat-5254	145	2	0.015	0.015	NUM
easat-5254	145	3	-0.068	-0.068	NOUN
easat-5254	145	4	-0.037	-0.037	PUNCT
easat-5254	145	5	-0.025	-0.025	PUNCT
easat-5254	145	6	-0.016	-0.016	NUM
easat-5254	145	7	-0.005	-0.005	X
easat-5254	145	8	-0.842	-0.842	PUNCT
easat-5254	145	9	3.245	3.245	NUM
easat-5254	145	10	measures	measure	NOUN
easat-5254	145	11	mes	mes	X
easat-5254	145	12	864	864	NUM
easat-5254	145	13	0.032	0.032	NUM
easat-5254	145	14	0.018	0.018	NUM
easat-5254	145	15	0.004	0.004	NUM
easat-5254	145	16	0.019	0.019	NUM
easat-5254	145	17	0.029	0.029	NUM
easat-5254	145	18	0.042	0.042	NUM
easat-5254	145	19	0.089	0.089	NUM
easat-5254	145	20	0.756	0.756	NUM
easat-5254	145	21	2.987	2.987	NUM
easat-5254	145	22	srisk	srisk	NOUN
easat-5254	145	23	864	864	NUM
easat-5254	145	24	0.145	0.145	NUM
easat-5254	145	25	0.086	0.086	NUM
easat-5254	145	26	0.021	0.021	NUM
easat-5254	145	27	0.082	0.082	NUM
easat-5254	145	28	0.132	0.132	NUM
easat-5254	145	29	0.198	0.198	NUM
easat-5254	145	30	0.412	0.412	NUM
easat-5254	145	31	0.923	0.923	NUM
easat-5254	145	32	3.156	3.156	NUM
easat-5254	145	33	technology	technology	NOUN
easat-5254	145	34	iai	iai	NOUN
easat-5254	145	35	ndex	ndex	NOUN
easat-5254	145	36	864	864	NUM
easat-5254	146	1	65.34	65.34	NUM
easat-5254	146	2	18.92	18.92	NUM
easat-5254	146	3	15.00	15.00	NUM
easat-5254	146	4	52.00	52.00	NUM
easat-5254	146	5	67.00	67.00	NUM
easat-5254	146	6	81.00	81.00	NUM
easat-5254	146	7	95.00	95.00	NUM
easat-5254	146	8	-0.456	-0.456	NOUN
easat-5254	146	9	2.345	2.345	NUM
easat-5254	146	10	implementation	implementation	NOUN
easat-5254	146	11	sml	sml	NOUN
easat-5254	146	12	core	core	NOUN
easat-5254	146	13	864	864	NUM
easat-5254	146	14	0.583	0.583	NUM
easat-5254	146	15	0.225	0.225	NUM
easat-5254	146	16	0.100	0.100	NUM
easat-5254	146	17	0.400	0.400	NUM
easat-5254	146	18	0.600	0.600	NUM
easat-5254	146	19	0.750	0.750	NUM
easat-5254	146	20	0.950	0.950	NUM
easat-5254	146	21	-0.234	-0.234	NUM
easat-5254	146	22	2.123	2.123	NUM
easat-5254	146	23	talgo	talgo	NOUN
easat-5254	146	24	rade	rade	NOUN
easat-5254	146	25	864	864	NUM
easat-5254	146	26	0.384	0.384	NUM
easat-5254	146	27	0.196	0.196	NUM
easat-5254	146	28	0.050	0.050	NUM
easat-5254	146	29	0.230	0.230	NUM
easat-5254	146	30	0.375	0.375	NUM
easat-5254	146	31	0.520	0.520	NUM
easat-5254	146	32	0.850	0.850	NUM
easat-5254	146	33	0.345	0.345	NUM
easat-5254	146	34	2.567	2.567	NUM
easat-5254	146	35	bank	bank	NOUN
easat-5254	146	36	size	size	NOUN
easat-5254	146	37	864	864	NUM
easat-5254	146	38	12.85	12.85	NUM
easat-5254	146	39	1.42	1.42	NUM
easat-5254	146	40	9.86	9.86	NUM
easat-5254	146	41	11.83	11.83	NUM
easat-5254	146	42	12.76	12.76	NUM
easat-5254	146	43	13.78	13.78	NUM
easat-5254	146	44	15.92	15.92	NUM
easat-5254	146	45	0.234	0.234	NUM
easat-5254	146	46	2.789	2.789	NUM
easat-5254	146	47	characteristics	characteristic	NOUN
easat-5254	146	48	leverage	leverage	NOUN
easat-5254	146	49	864	864	NUM
easat-5254	146	50	12.46	12.46	NUM
easat-5254	146	51	2.85	2.85	NUM
easat-5254	146	52	6.24	6.24	NUM
easat-5254	146	53	10.35	10.35	NUM
easat-5254	146	54	12.18	12.18	NUM
easat-5254	146	55	14.25	14.25	NUM
easat-5254	146	56	19.86	19.86	NUM
easat-5254	146	57	0.567	0.567	NUM
easat-5254	146	58	2.934	2.934	NUM
easat-5254	146	59	roa	roa	NOUN
easat-5254	146	60	864	864	NUM
easat-5254	146	61	0.009	0.009	NUM
easat-5254	146	62	0.003	0.003	NUM
easat-5254	146	63	0.002	0.002	NUM
easat-5254	146	64	0.007	0.007	NUM
easat-5254	146	65	0.009	0.009	NUM
easat-5254	146	66	0.011	0.011	NUM
easat-5254	146	67	0.016	0.016	NUM
easat-5254	146	68	0.123	0.123	NUM
easat-5254	146	69	2.456	2.456	NUM
easat-5254	146	70	market	market	NOUN
easat-5254	146	71	ggdp	ggdp	NOUN
easat-5254	146	72	rowth	rowth	NOUN
easat-5254	146	73	864	864	NUM
easat-5254	146	74	0.062	0.062	NUM
easat-5254	146	75	0.015	0.015	NUM
easat-5254	146	76	0.028	0.028	NUM
easat-5254	146	77	0.052	0.052	NUM
easat-5254	146	78	0.061	0.061	NUM
easat-5254	146	79	0.072	0.072	NUM
easat-5254	146	80	0.095	0.095	NUM
easat-5254	146	81	-0.234	-0.234	PUNCT
easat-5254	146	82	2.345	2.345	NUM
easat-5254	146	83	environment	environment	NOUN
easat-5254	146	84	2gm	2gm	ADJ
easat-5254	146	85	rowth	rowth	NOUN
easat-5254	146	86	864	864	NUM
easat-5254	146	87	0.082	0.082	NUM
easat-5254	146	88	0.012	0.012	NUM
easat-5254	146	89	0.056	0.056	NUM
easat-5254	146	90	0.074	0.074	NUM
easat-5254	146	91	0.081	0.081	NUM
easat-5254	146	92	0.090	0.090	NUM
easat-5254	146	93	0.112	0.112	NUM
easat-5254	146	94	0.345	0.345	NUM
easat-5254	146	95	2.567	2.567	NUM
easat-5254	146	96	marketvol	marketvol	NOUN
easat-5254	146	97	864	864	NUM
easat-5254	146	98	0.156	0.156	NUM
easat-5254	146	99	0.045	0.045	NUM
easat-5254	146	100	0.078	0.078	NUM
easat-5254	146	101	0.123	0.123	NUM
easat-5254	146	102	0.152	0.152	NUM
easat-5254	146	103	0.187	0.187	NUM
easat-5254	146	104	0.289	0.289	NUM
easat-5254	146	105	0.678	0.678	NUM
easat-5254	146	106	3.234	3.234	NUM
easat-5254	146	107	559	559	NUM
easat-5254	146	108	edelweiss	edelweiss	PROPN
easat-5254	146	109	applied	apply	VERB
easat-5254	146	110	science	science	NOUN
easat-5254	146	111	and	and	CCONJ
easat-5254	146	112	technology	technology	NOUN
easat-5254	146	113	issn	issn	PROPN
easat-5254	146	114	:	:	PUNCT
easat-5254	146	115	2576	2576	NUM
easat-5254	146	116	-	-	SYM
easat-5254	146	117	8484	8484	NUM
easat-5254	146	118	vol	vol	NOUN
easat-5254	146	119	.	.	PROPN
easat-5254	146	120	9	9	NUM
easat-5254	146	121	,	,	PUNCT
easat-5254	146	122	no	no	INTJ
easat-5254	146	123	.	.	NOUN
easat-5254	147	1	3	3	NUM
easat-5254	147	2	:	:	PUNCT
easat-5254	147	3	553	553	NUM
easat-5254	147	4	-	-	SYM
easat-5254	147	5	567	567	NUM
easat-5254	147	6	,	,	PUNCT
easat-5254	147	7	2025	2025	NUM
easat-5254	147	8	doi	doi	NOUN
easat-5254	147	9	:	:	PUNCT
easat-5254	147	10	10.55214/25768484.v9i3.5254	10.55214/25768484.v9i3.5254	PROPN
easat-5254	147	11	©	©	PROPN
easat-5254	147	12	2025	2025	NUM
easat-5254	147	13	by	by	ADP
easat-5254	147	14	the	the	DET
easat-5254	147	15	authors	author	NOUN
easat-5254	147	16	;	;	PUNCT
easat-5254	147	17	licensee	licensee	PROPN
easat-5254	147	18	learning	learning	NOUN
easat-5254	147	19	gate	gate	NOUN
easat-5254	147	20	4	4	NUM
easat-5254	147	21	.	.	PUNCT
easat-5254	147	22	empirical	empirical	ADJ
easat-5254	147	23	results	result	NOUN
easat-5254	147	24	and	and	CCONJ
easat-5254	147	25	analysis	analysis	NOUN
easat-5254	147	26	4.1	4.1	NUM
easat-5254	147	27	.	.	PUNCT
easat-5254	148	1	descriptive	descriptive	ADJ
easat-5254	148	2	statistical	statistical	ADJ
easat-5254	148	3	analysis	analysis	NOUN
easat-5254	148	4	this	this	DET
easat-5254	148	5	study	study	NOUN
easat-5254	148	6	examines	examine	VERB
easat-5254	148	7	quarterly	quarterly	ADJ
easat-5254	148	8	information	information	NOUN
easat-5254	148	9	regarding	regard	VERB
easat-5254	148	10	36	36	NUM
easat-5254	148	11	listed	list	VERB
easat-5254	148	12	commercial	commercial	ADJ
easat-5254	148	13	banks	bank	NOUN
easat-5254	148	14	in	in	ADP
easat-5254	148	15	china	china	PROPN
easat-5254	148	16	during	during	ADP
easat-5254	148	17	the	the	DET
easat-5254	148	18	period	period	NOUN
easat-5254	148	19	from	from	ADP
easat-5254	148	20	2018	2018	NUM
easat-5254	148	21	to	to	ADP
easat-5254	148	22	2023	2023	NUM
easat-5254	148	23	,	,	PUNCT
easat-5254	148	24	and	and	CCONJ
easat-5254	148	25	it	it	PRON
easat-5254	148	26	provides	provide	VERB
easat-5254	148	27	deep	deep	ADJ
easat-5254	148	28	insights	insight	NOUN
easat-5254	148	29	into	into	ADP
easat-5254	148	30	the	the	DET
easat-5254	148	31	use	use	NOUN
easat-5254	148	32	of	of	ADP
easat-5254	148	33	sophisticated	sophisticated	ADJ
easat-5254	148	34	algorithms	algorithm	NOUN
easat-5254	148	35	and	and	CCONJ
easat-5254	148	36	the	the	DET
easat-5254	148	37	nature	nature	NOUN
easat-5254	148	38	of	of	ADP
easat-5254	148	39	systemic	systemic	ADJ
easat-5254	148	40	risk	risk	NOUN
easat-5254	148	41	.	.	PUNCT
easat-5254	149	1	as	as	SCONJ
easat-5254	149	2	shown	show	VERB
easat-5254	149	3	in	in	ADP
easat-5254	149	4	table	table	NOUN
easat-5254	149	5	2	2	NUM
easat-5254	149	6	,	,	PUNCT
easat-5254	149	7	the	the	DET
easat-5254	149	8	descriptive	descriptive	ADJ
easat-5254	149	9	statistics	statistic	NOUN
easat-5254	149	10	indicate	indicate	VERB
easat-5254	149	11	significant	significant	ADJ
easat-5254	149	12	variation	variation	NOUN
easat-5254	149	13	in	in	ADP
easat-5254	149	14	terms	term	NOUN
easat-5254	149	15	of	of	ADP
easat-5254	149	16	both	both	DET
easat-5254	149	17	risk	risk	NOUN
easat-5254	149	18	measures	measure	NOUN
easat-5254	149	19	and	and	CCONJ
easat-5254	149	20	technology	technology	NOUN
easat-5254	149	21	implementation	implementation	NOUN
easat-5254	149	22	.	.	PUNCT
easat-5254	150	1	the	the	DET
easat-5254	150	2	mean	mean	ADJ
easat-5254	150	3	value	value	NOUN
easat-5254	150	4	of	of	ADP
easat-5254	150	5	covar	covar	NOUN
easat-5254	150	6	,	,	PUNCT
easat-5254	150	7	which	which	PRON
easat-5254	150	8	is	be	AUX
easat-5254	150	9	recorded	record	VERB
easat-5254	150	10	at	at	ADP
easat-5254	150	11	-0.028	-0.028	PROPN
easat-5254	150	12	(	(	PUNCT
easat-5254	150	13	sd=0.015	sd=0.015	PROPN
easat-5254	150	14	)	)	PUNCT
easat-5254	150	15	,	,	PUNCT
easat-5254	150	16	represents	represent	VERB
easat-5254	150	17	a	a	DET
easat-5254	150	18	moderate	moderate	ADJ
easat-5254	150	19	degree	degree	NOUN
easat-5254	150	20	of	of	ADP
easat-5254	150	21	systemic	systemic	ADJ
easat-5254	150	22	risk	risk	NOUN
easat-5254	150	23	,	,	PUNCT
easat-5254	150	24	while	while	SCONJ
easat-5254	150	25	the	the	DET
easat-5254	150	26	ai	ai	PROPN
easat-5254	150	27	implementation	implementation	NOUN
easat-5254	150	28	index	index	NOUN
easat-5254	150	29	shows	show	VERB
easat-5254	150	30	significant	significant	ADJ
easat-5254	150	31	variation	variation	NOUN
easat-5254	150	32	across	across	ADP
easat-5254	150	33	institutions	institution	NOUN
easat-5254	150	34	(	(	PUNCT
easat-5254	150	35	mean=65.34	mean=65.34	PROPN
easat-5254	150	36	,	,	PUNCT
easat-5254	150	37	range=15.00	range=15.00	PROPN
easat-5254	150	38	-	-	X
easat-5254	150	39	95.00	95.00	NUM
easat-5254	150	40	)	)	PUNCT
easat-5254	150	41	.	.	PUNCT
easat-5254	151	1	the	the	DET
easat-5254	151	2	distribution	distribution	NOUN
easat-5254	151	3	of	of	ADP
easat-5254	151	4	the	the	DET
easat-5254	151	5	machine	machine	NOUN
easat-5254	151	6	learning	learn	VERB
easat-5254	151	7	sophistication	sophistication	NOUN
easat-5254	151	8	score	score	NOUN
easat-5254	151	9	is	be	AUX
easat-5254	151	10	close	close	ADJ
easat-5254	151	11	to	to	ADP
easat-5254	151	12	normal	normal	ADJ
easat-5254	151	13	(	(	PUNCT
easat-5254	151	14	mean=0.583	mean=0.583	NUM
easat-5254	151	15	,	,	PUNCT
easat-5254	151	16	median=0.600	median=0.600	PROPN
easat-5254	151	17	)	)	PUNCT
easat-5254	151	18	,	,	PUNCT
easat-5254	151	19	representing	represent	VERB
easat-5254	151	20	a	a	DET
easat-5254	151	21	balanced	balanced	ADJ
easat-5254	151	22	use	use	NOUN
easat-5254	151	23	of	of	ADP
easat-5254	151	24	sophisticated	sophisticated	ADJ
easat-5254	151	25	analytical	analytical	ADJ
easat-5254	151	26	techniques	technique	NOUN
easat-5254	151	27	.	.	PUNCT
easat-5254	152	1	institution	institution	NOUN
easat-5254	152	2	-	-	PUNCT
easat-5254	152	3	specific	specific	ADJ
easat-5254	152	4	characteristics	characteristic	NOUN
easat-5254	152	5	are	be	AUX
easat-5254	152	6	highly	highly	ADV
easat-5254	152	7	heterogeneous	heterogeneous	ADJ
easat-5254	152	8	,	,	PUNCT
easat-5254	152	9	as	as	SCONJ
easat-5254	152	10	shown	show	VERB
easat-5254	152	11	by	by	ADP
easat-5254	152	12	size	size	NOUN
easat-5254	152	13	(	(	PUNCT
easat-5254	152	14	mean=12.85	mean=12.85	PROPN
easat-5254	152	15	,	,	PUNCT
easat-5254	152	16	sd=1.42	sd=1.42	NOUN
easat-5254	152	17	)	)	PUNCT
easat-5254	152	18	and	and	CCONJ
easat-5254	152	19	leverage	leverage	NOUN
easat-5254	152	20	(	(	PUNCT
easat-5254	152	21	mean=12.46	mean=12.46	NOUN
easat-5254	152	22	,	,	PUNCT
easat-5254	152	23	sd=2.85	sd=2.85	ADJ
easat-5254	152	24	)	)	PUNCT
easat-5254	152	25	,	,	PUNCT
easat-5254	152	26	which	which	PRON
easat-5254	152	27	reflect	reflect	VERB
easat-5254	152	28	the	the	DET
easat-5254	152	29	heterogeneous	heterogeneous	ADJ
easat-5254	152	30	nature	nature	NOUN
easat-5254	152	31	of	of	ADP
easat-5254	152	32	the	the	DET
easat-5254	152	33	institutions	institution	NOUN
easat-5254	152	34	within	within	ADP
easat-5254	152	35	the	the	DET
easat-5254	152	36	sample	sample	NOUN
easat-5254	152	37	.	.	PUNCT
easat-5254	153	1	performance	performance	NOUN
easat-5254	153	2	measures	measure	NOUN
easat-5254	153	3	,	,	PUNCT
easat-5254	153	4	including	include	VERB
easat-5254	153	5	roa	roa	PROPN
easat-5254	153	6	(	(	PUNCT
easat-5254	153	7	mean=0.009	mean=0.009	PROPN
easat-5254	153	8	)	)	PUNCT
easat-5254	153	9	and	and	CCONJ
easat-5254	153	10	the	the	DET
easat-5254	153	11	npl	npl	PROPN
easat-5254	153	12	ratio	ratio	NOUN
easat-5254	153	13	(	(	PUNCT
easat-5254	153	14	mean=0.016	mean=0.016	PROPN
easat-5254	153	15	)	)	PUNCT
easat-5254	153	16	,	,	PUNCT
easat-5254	153	17	reflect	reflect	VERB
easat-5254	153	18	relatively	relatively	ADV
easat-5254	153	19	stable	stable	ADJ
easat-5254	153	20	operating	operating	NOUN
easat-5254	153	21	performance	performance	NOUN
easat-5254	153	22	in	in	ADP
easat-5254	153	23	the	the	DET
easat-5254	153	24	banking	banking	NOUN
easat-5254	153	25	industry	industry	NOUN
easat-5254	153	26	,	,	PUNCT
easat-5254	153	27	while	while	SCONJ
easat-5254	153	28	the	the	DET
easat-5254	153	29	capital	capital	NOUN
easat-5254	153	30	adequacy	adequacy	NOUN
easat-5254	153	31	ratio	ratio	NOUN
easat-5254	153	32	(	(	PUNCT
easat-5254	153	33	mean=0.142	mean=0.142	PROPN
easat-5254	153	34	)	)	PUNCT
easat-5254	153	35	reflects	reflect	VERB
easat-5254	153	36	tight	tight	ADJ
easat-5254	153	37	compliance	compliance	NOUN
easat-5254	153	38	with	with	ADP
easat-5254	153	39	regulatory	regulatory	ADJ
easat-5254	153	40	requirements	requirement	NOUN
easat-5254	153	41	.	.	PUNCT
easat-5254	154	1	4.2	4.2	NUM
easat-5254	154	2	.	.	PUNCT
easat-5254	154	3	baseline	baseline	PROPN
easat-5254	154	4	regression	regression	NOUN
easat-5254	154	5	analysis	analysis	NOUN
easat-5254	154	6	the	the	DET
easat-5254	154	7	early	early	ADJ
easat-5254	154	8	evidence	evidence	NOUN
easat-5254	154	9	from	from	ADP
easat-5254	154	10	the	the	DET
easat-5254	154	11	regression	regression	NOUN
easat-5254	154	12	analysis	analysis	NOUN
easat-5254	154	13	points	point	NOUN
easat-5254	154	14	to	to	ADP
easat-5254	154	15	a	a	DET
easat-5254	154	16	significant	significant	ADJ
easat-5254	154	17	correlation	correlation	NOUN
easat-5254	154	18	between	between	ADP
easat-5254	154	19	the	the	DET
easat-5254	154	20	adoption	adoption	NOUN
easat-5254	154	21	of	of	ADP
easat-5254	154	22	sophisticated	sophisticated	ADJ
easat-5254	154	23	algorithms	algorithm	NOUN
easat-5254	154	24	and	and	CCONJ
easat-5254	154	25	systemic	systemic	ADJ
easat-5254	154	26	risk	risk	NOUN
easat-5254	154	27	measures	measure	NOUN
easat-5254	154	28	among	among	ADP
easat-5254	154	29	chinese	chinese	ADJ
easat-5254	154	30	banking	banking	NOUN
easat-5254	154	31	firms	firm	NOUN
easat-5254	154	32	.	.	PUNCT
easat-5254	155	1	as	as	SCONJ
easat-5254	155	2	depicted	depict	VERB
easat-5254	155	3	in	in	ADP
easat-5254	155	4	table	table	NOUN
easat-5254	155	5	3	3	NUM
easat-5254	155	6	,	,	PUNCT
easat-5254	155	7	the	the	DET
easat-5254	155	8	ai	ai	PROPN
easat-5254	155	9	implementation	implementation	NOUN
easat-5254	155	10	index	index	NOUN
easat-5254	155	11	identifies	identify	VERB
easat-5254	155	12	a	a	DET
easat-5254	155	13	strong	strong	ADJ
easat-5254	155	14	negative	negative	ADJ
easat-5254	155	15	correlation	correlation	NOUN
easat-5254	155	16	with	with	ADP
easat-5254	155	17	all	all	DET
easat-5254	155	18	three	three	NUM
easat-5254	155	19	risk	risk	NOUN
easat-5254	155	20	measures	measure	NOUN
easat-5254	155	21	(	(	PUNCT
easat-5254	155	22	covar	covar	NOUN
easat-5254	155	23	:	:	PUNCT
easat-5254	155	24	-0.185	-0.185	NOUN
easat-5254	155	25	,	,	PUNCT
easat-5254	155	26	p<0.01	p<0.01	PROPN
easat-5254	155	27	;	;	PUNCT
easat-5254	155	28	mes	me	NOUN
easat-5254	155	29	:	:	PUNCT
easat-5254	155	30	-0.162	-0.162	INTJ
easat-5254	155	31	,	,	PUNCT
easat-5254	155	32	p<0.01	p<0.01	PROPN
easat-5254	155	33	;	;	PUNCT
easat-5254	155	34	srisk	srisk	NOUN
easat-5254	155	35	:	:	PUNCT
easat-5254	155	36	-0.198	-0.198	ADJ
easat-5254	155	37	,	,	PUNCT
easat-5254	155	38	p<0.01	p<0.01	PROPN
easat-5254	155	39	)	)	PUNCT
easat-5254	155	40	,	,	PUNCT
easat-5254	155	41	such	such	ADJ
easat-5254	155	42	that	that	SCONJ
easat-5254	155	43	higher	high	ADJ
easat-5254	155	44	ai	ai	VERB
easat-5254	155	45	adoption	adoption	NOUN
easat-5254	155	46	is	be	AUX
easat-5254	155	47	related	relate	VERB
easat-5254	155	48	to	to	ADP
easat-5254	155	49	significant	significant	ADJ
easat-5254	155	50	risk	risk	NOUN
easat-5254	155	51	-	-	PUNCT
easat-5254	155	52	mitigating	mitigate	VERB
easat-5254	155	53	effects	effect	NOUN
easat-5254	155	54	on	on	ADP
easat-5254	155	55	exposure	exposure	NOUN
easat-5254	155	56	to	to	ADP
easat-5254	155	57	systemic	systemic	ADJ
easat-5254	155	58	risk	risk	NOUN
easat-5254	155	59	.	.	PUNCT
easat-5254	156	1	machine	machine	NOUN
easat-5254	156	2	learning	learning	NOUN
easat-5254	156	3	complexity	complexity	NOUN
easat-5254	156	4	also	also	ADV
easat-5254	156	5	indicates	indicate	VERB
easat-5254	156	6	significant	significant	ADJ
easat-5254	156	7	effects	effect	NOUN
easat-5254	156	8	in	in	ADP
easat-5254	156	9	all	all	DET
easat-5254	156	10	model	model	NOUN
easat-5254	156	11	specifications	specification	NOUN
easat-5254	156	12	,	,	PUNCT
easat-5254	156	13	with	with	ADP
easat-5254	156	14	estimated	estimated	ADJ
easat-5254	156	15	coefficients	coefficient	NOUN
easat-5254	156	16	of	of	ADP
easat-5254	156	17	between	between	ADP
easat-5254	156	18	-0.156	-0.156	PROPN
easat-5254	156	19	and	and	CCONJ
easat-5254	156	20	-0.169	-0.169	NOUN
easat-5254	156	21	,	,	PUNCT
easat-5254	156	22	all	all	PRON
easat-5254	156	23	significant	significant	ADJ
easat-5254	156	24	at	at	ADP
easat-5254	156	25	p<0.01	p<0.01	PROPN
easat-5254	156	26	.	.	PUNCT
easat-5254	156	27	figure	figure	NOUN
easat-5254	156	28	1	1	NUM
easat-5254	156	29	graphically	graphically	ADV
easat-5254	156	30	depicts	depict	VERB
easat-5254	156	31	these	these	DET
easat-5254	156	32	correlations	correlation	NOUN
easat-5254	156	33	,	,	PUNCT
easat-5254	156	34	highlighting	highlight	VERB
easat-5254	156	35	the	the	DET
easat-5254	156	36	non	non	ADJ
easat-5254	156	37	-	-	ADJ
easat-5254	156	38	linear	linear	ADJ
easat-5254	156	39	nature	nature	NOUN
easat-5254	156	40	of	of	ADP
easat-5254	156	41	the	the	DET
easat-5254	156	42	ai	ai	ADJ
easat-5254	156	43	-	-	PUNCT
easat-5254	156	44	risk	risk	NOUN
easat-5254	156	45	relationship	relationship	NOUN
easat-5254	156	46	as	as	ADP
easat-5254	156	47	a	a	DET
easat-5254	156	48	function	function	NOUN
easat-5254	156	49	of	of	ADP
easat-5254	156	50	different	different	ADJ
easat-5254	156	51	bank	bank	NOUN
easat-5254	156	52	sizes	size	NOUN
easat-5254	156	53	.	.	PUNCT
easat-5254	157	1	the	the	DET
easat-5254	157	2	control	control	NOUN
easat-5254	157	3	variables	variable	NOUN
easat-5254	157	4	behave	behave	VERB
easat-5254	157	5	as	as	SCONJ
easat-5254	157	6	expected	expect	VERB
easat-5254	157	7	,	,	PUNCT
easat-5254	157	8	consistent	consistent	ADJ
easat-5254	157	9	with	with	ADP
easat-5254	157	10	theory	theory	NOUN
easat-5254	157	11	,	,	PUNCT
easat-5254	157	12	where	where	SCONJ
easat-5254	157	13	bank	bank	NOUN
easat-5254	157	14	size	size	NOUN
easat-5254	157	15	and	and	CCONJ
easat-5254	157	16	leverage	leverage	NOUN
easat-5254	157	17	are	be	AUX
easat-5254	157	18	positively	positively	ADV
easat-5254	157	19	correlated	correlate	VERB
easat-5254	157	20	with	with	ADP
easat-5254	157	21	systemic	systemic	ADJ
easat-5254	157	22	risk	risk	NOUN
easat-5254	157	23	,	,	PUNCT
easat-5254	157	24	while	while	SCONJ
easat-5254	157	25	profitability	profitability	NOUN
easat-5254	157	26	and	and	CCONJ
easat-5254	157	27	capital	capital	NOUN
easat-5254	157	28	adequacy	adequacy	NOUN
easat-5254	157	29	are	be	AUX
easat-5254	157	30	related	relate	VERB
easat-5254	157	31	to	to	ADP
easat-5254	157	32	risk	risk	NOUN
easat-5254	157	33	-	-	PUNCT
easat-5254	157	34	reduction	reduction	NOUN
easat-5254	157	35	effects	effect	NOUN
easat-5254	157	36	.	.	PUNCT
easat-5254	158	1	table	table	NOUN
easat-5254	158	2	3	3	NUM
easat-5254	158	3	.	.	PUNCT
easat-5254	158	4	baseline	baseline	PROPN
easat-5254	158	5	regression	regression	NOUN
easat-5254	158	6	results	result	NOUN
easat-5254	158	7	on	on	ADP
easat-5254	158	8	systemic	systemic	ADJ
easat-5254	158	9	risk	risk	NOUN
easat-5254	158	10	measures	measure	NOUN
easat-5254	158	11	.	.	PUNCT
easat-5254	159	1	variable	variable	ADJ
easat-5254	159	2	model	model	NOUN
easat-5254	159	3	1	1	NUM
easat-5254	159	4	(	(	PUNCT
easat-5254	159	5	covar	covar	NOUN
easat-5254	159	6	)	)	PUNCT
easat-5254	159	7	model	model	NOUN
easat-5254	159	8	2	2	NUM
easat-5254	159	9	(	(	PUNCT
easat-5254	159	10	mes	me	NOUN
easat-5254	159	11	)	)	PUNCT
easat-5254	159	12	model	model	NOUN
easat-5254	159	13	3	3	NUM
easat-5254	159	14	(	(	PUNCT
easat-5254	159	15	srisk	srisk	NOUN
easat-5254	159	16	)	)	PUNCT
easat-5254	159	17	model	model	NOUN
easat-5254	159	18	4	4	NUM
easat-5254	159	19	(	(	PUNCT
easat-5254	159	20	combined	combine	VERB
easat-5254	159	21	)	)	PUNCT
easat-5254	159	22	ai_index	ai_index	NOUN
easat-5254	159	23	-0.185	-0.185	NOUN
easat-5254	159	24	*	*	PUNCT
easat-5254	159	25	*	*	PUNCT
easat-5254	159	26	*	*	PUNCT
easat-5254	159	27	-0.162	-0.162	PROPN
easat-5254	159	28	*	*	PUNCT
easat-5254	159	29	*	*	PUNCT
easat-5254	159	30	*	*	PUNCT
easat-5254	160	1	-0.198	-0.198	ADJ
easat-5254	160	2	*	*	PUNCT
easat-5254	160	3	*	*	PUNCT
easat-5254	160	4	*	*	PUNCT
easat-5254	160	5	-0.176	-0.176	NOUN
easat-5254	160	6	*	*	PUNCT
easat-5254	160	7	*	*	PUNCT
easat-5254	160	8	*	*	PUNCT
easat-5254	160	9	(	(	PUNCT
easat-5254	160	10	0.042	0.042	NUM
easat-5254	160	11	)	)	PUNCT
easat-5254	160	12	(	(	PUNCT
easat-5254	160	13	0.038	0.038	NUM
easat-5254	160	14	)	)	PUNCT
easat-5254	160	15	(	(	PUNCT
easat-5254	160	16	0.045	0.045	NUM
easat-5254	160	17	)	)	PUNCT
easat-5254	160	18	(	(	PUNCT
easat-5254	160	19	0.040	0.040	NUM
easat-5254	160	20	)	)	PUNCT
easat-5254	160	21	ml_score	ml_score	NOUN
easat-5254	160	22	-0.156	-0.156	ADJ
easat-5254	160	23	*	*	PUNCT
easat-5254	160	24	*	*	PUNCT
easat-5254	160	25	*	*	PUNCT
easat-5254	160	26	-0.143	-0.143	PROPN
easat-5254	160	27	*	*	PUNCT
easat-5254	160	28	*	*	PUNCT
easat-5254	160	29	*	*	PUNCT
easat-5254	160	30	-0.169	-0.169	PUNCT
easat-5254	160	31	*	*	PUNCT
easat-5254	160	32	*	*	PUNCT
easat-5254	160	33	*	*	PUNCT
easat-5254	160	34	-0.152	-0.152	PUNCT
easat-5254	160	35	*	*	PUNCT
easat-5254	160	36	*	*	PUNCT
easat-5254	160	37	*	*	PUNCT
easat-5254	160	38	(	(	PUNCT
easat-5254	160	39	0.035	0.035	NUM
easat-5254	160	40	)	)	PUNCT
easat-5254	160	41	(	(	PUNCT
easat-5254	160	42	0.032	0.032	NUM
easat-5254	160	43	)	)	PUNCT
easat-5254	160	44	(	(	PUNCT
easat-5254	160	45	0.038	0.038	NUM
easat-5254	160	46	)	)	PUNCT
easat-5254	160	47	(	(	PUNCT
easat-5254	160	48	0.034	0.034	NUM
easat-5254	160	49	)	)	PUNCT
easat-5254	160	50	algo_trade	algo_trade	VERB
easat-5254	160	51	-0.128	-0.128	NOUN
easat-5254	160	52	*	*	PUNCT
easat-5254	160	53	*	*	PUNCT
easat-5254	160	54	*	*	PUNCT
easat-5254	160	55	-0.112	-0.112	PUNCT
easat-5254	160	56	*	*	PUNCT
easat-5254	160	57	*	*	PUNCT
easat-5254	160	58	*	*	PUNCT
easat-5254	161	1	-0.134	-0.134	PUNCT
easat-5254	161	2	*	*	PUNCT
easat-5254	161	3	*	*	PUNCT
easat-5254	161	4	*	*	PUNCT
easat-5254	162	1	-0.124	-0.124	ADJ
easat-5254	162	2	*	*	PUNCT
easat-5254	162	3	*	*	PUNCT
easat-5254	162	4	*	*	PUNCT
easat-5254	162	5	(	(	PUNCT
easat-5254	162	6	0.029	0.029	NUM
easat-5254	162	7	)	)	PUNCT
easat-5254	162	8	(	(	PUNCT
easat-5254	162	9	0.026	0.026	NUM
easat-5254	162	10	)	)	PUNCT
easat-5254	162	11	(	(	PUNCT
easat-5254	162	12	0.031	0.031	NUM
easat-5254	162	13	)	)	PUNCT
easat-5254	162	14	(	(	PUNCT
easat-5254	162	15	0.028	0.028	NUM
easat-5254	162	16	)	)	PUNCT
easat-5254	162	17	size	size	NOUN
easat-5254	162	18	0.045	0.045	NUM
easat-5254	162	19	*	*	PUNCT
easat-5254	162	20	*	*	NOUN
easat-5254	163	1	0.038	0.038	NUM
easat-5254	163	2	*	*	PUNCT
easat-5254	163	3	*	*	PUNCT
easat-5254	163	4	0.052	0.052	PRON
easat-5254	163	5	*	*	PUNCT
easat-5254	163	6	*	*	PUNCT
easat-5254	163	7	*	*	PUNCT
easat-5254	163	8	0.044	0.044	NUM
easat-5254	163	9	*	*	PUNCT
easat-5254	163	10	*	*	PUNCT
easat-5254	163	11	(	(	PUNCT
easat-5254	163	12	0.018	0.018	NUM
easat-5254	163	13	)	)	PUNCT
easat-5254	163	14	(	(	PUNCT
easat-5254	163	15	0.016	0.016	NUM
easat-5254	163	16	)	)	PUNCT
easat-5254	163	17	(	(	PUNCT
easat-5254	163	18	0.019	0.019	NUM
easat-5254	163	19	)	)	PUNCT
easat-5254	163	20	(	(	PUNCT
easat-5254	163	21	0.017	0.017	NUM
easat-5254	163	22	)	)	PUNCT
easat-5254	163	23	controls	control	NOUN
easat-5254	164	1	yes	yes	INTJ
easat-5254	165	1	yes	yes	INTJ
easat-5254	166	1	yes	yes	INTJ
easat-5254	167	1	yes	yes	INTJ
easat-5254	167	2	bank	bank	NOUN
easat-5254	167	3	fe	fe	INTJ
easat-5254	168	1	yes	yes	INTJ
easat-5254	168	2	yes	yes	INTJ
easat-5254	169	1	yes	yes	INTJ
easat-5254	170	1	yes	yes	INTJ
easat-5254	170	2	time	time	NOUN
easat-5254	171	1	fe	fe	INTJ
easat-5254	172	1	yes	yes	INTJ
easat-5254	172	2	yes	yes	INTJ
easat-5254	173	1	yes	yes	INTJ
easat-5254	174	1	yes	yes	INTJ
easat-5254	175	1	n	n	ADV
easat-5254	175	2	864	864	NUM
easat-5254	176	1	864	864	NUM
easat-5254	177	1	864	864	NUM
easat-5254	178	1	864	864	NUM
easat-5254	179	1	r	r	NOUN
easat-5254	179	2	-	-	PUNCT
easat-5254	179	3	squared	square	VERB
easat-5254	179	4	0.425	0.425	NUM
easat-5254	179	5	0.398	0.398	NUM
easat-5254	179	6	0.442	0.442	NUM
easat-5254	179	7	0.421	0.421	NUM
easat-5254	179	8	f	f	X
easat-5254	179	9	-	-	PUNCT
easat-5254	179	10	stat	stat	NOUN
easat-5254	179	11	45.23	45.23	NUM
easat-5254	179	12	*	*	PUNCT
easat-5254	179	13	*	*	PUNCT
easat-5254	179	14	*	*	PUNCT
easat-5254	179	15	42.86	42.86	NUM
easat-5254	179	16	*	*	PUNCT
easat-5254	179	17	*	*	PUNCT
easat-5254	179	18	*	*	PUNCT
easat-5254	180	1	47.59	47.59	NUM
easat-5254	180	2	*	*	PUNCT
easat-5254	180	3	*	*	PUNCT
easat-5254	180	4	*	*	PUNCT
easat-5254	180	5	44.92	44.92	NUM
easat-5254	180	6	*	*	PUNCT
easat-5254	180	7	*	*	PUNCT
easat-5254	180	8	*	*	PUNCT
easat-5254	180	9	note	note	NOUN
easat-5254	180	10	:	:	PUNCT
easat-5254	180	11	*	*	PUNCT
easat-5254	180	12	*	*	PUNCT
easat-5254	180	13	*	*	PUNCT
easat-5254	180	14	,	,	PUNCT
easat-5254	180	15	*	*	PUNCT
easat-5254	180	16	*	*	PUNCT
easat-5254	180	17	,	,	PUNCT
easat-5254	180	18	*	*	PUNCT
easat-5254	180	19	indicate	indicate	VERB
easat-5254	180	20	significance	significance	NOUN
easat-5254	180	21	at	at	ADP
easat-5254	180	22	1	1	NUM
easat-5254	180	23	%	%	NOUN
easat-5254	180	24	,	,	PUNCT
easat-5254	180	25	5	5	NUM
easat-5254	180	26	%	%	NOUN
easat-5254	180	27	,	,	PUNCT
easat-5254	180	28	and	and	CCONJ
easat-5254	180	29	10	10	NUM
easat-5254	180	30	%	%	NOUN
easat-5254	180	31	levels	level	NOUN
easat-5254	180	32	respectively	respectively	ADV
easat-5254	180	33	.	.	PUNCT
easat-5254	181	1	standard	standard	ADJ
easat-5254	181	2	errors	error	NOUN
easat-5254	181	3	in	in	ADP
easat-5254	181	4	parentheses	parenthesis	NOUN
easat-5254	181	5	.	.	PUNCT
easat-5254	182	1	560	560	NUM
easat-5254	182	2	edelweiss	edelweiss	PROPN
easat-5254	182	3	applied	apply	VERB
easat-5254	182	4	science	science	NOUN
easat-5254	182	5	and	and	CCONJ
easat-5254	182	6	technology	technology	NOUN
easat-5254	182	7	issn	issn	PROPN
easat-5254	182	8	:	:	PUNCT
easat-5254	182	9	2576	2576	NUM
easat-5254	182	10	-	-	SYM
easat-5254	182	11	8484	8484	NUM
easat-5254	182	12	vol	vol	NOUN
easat-5254	182	13	.	.	PROPN
easat-5254	183	1	9	9	NUM
easat-5254	183	2	,	,	PUNCT
easat-5254	183	3	no	no	INTJ
easat-5254	183	4	.	.	NOUN
easat-5254	184	1	3	3	NUM
easat-5254	184	2	:	:	PUNCT
easat-5254	184	3	553	553	NUM
easat-5254	184	4	-	-	SYM
easat-5254	184	5	567	567	NUM
easat-5254	184	6	,	,	PUNCT
easat-5254	184	7	2025	2025	NUM
easat-5254	184	8	doi	doi	NOUN
easat-5254	184	9	:	:	PUNCT
easat-5254	184	10	10.55214/25768484.v9i3.5254	10.55214/25768484.v9i3.5254	PROPN
easat-5254	184	11	©	©	PROPN
easat-5254	184	12	2025	2025	NUM
easat-5254	184	13	by	by	ADP
easat-5254	184	14	the	the	DET
easat-5254	184	15	authors	author	NOUN
easat-5254	184	16	;	;	PUNCT
easat-5254	184	17	licensee	licensee	PROPN
easat-5254	184	18	learning	learn	VERB
easat-5254	184	19	gate	gate	NOUN
easat-5254	184	20	figure	figure	NOUN
easat-5254	184	21	2	2	NUM
easat-5254	184	22	.	.	PUNCT
easat-5254	184	23	non	non	ADJ
easat-5254	184	24	-	-	ADJ
easat-5254	184	25	linear	linear	ADJ
easat-5254	184	26	relationship	relationship	NOUN
easat-5254	184	27	between	between	ADP
easat-5254	184	28	ai	ai	PRON
easat-5254	184	29	implementation	implementation	NOUN
easat-5254	184	30	and	and	CCONJ
easat-5254	184	31	systemic	systemic	ADJ
easat-5254	184	32	risk	risk	NOUN
easat-5254	184	33	as	as	SCONJ
easat-5254	184	34	shown	show	VERB
easat-5254	184	35	in	in	ADP
easat-5254	184	36	figure	figure	NOUN
easat-5254	184	37	2	2	NUM
easat-5254	184	38	,	,	PUNCT
easat-5254	184	39	the	the	DET
easat-5254	184	40	relationship	relationship	NOUN
easat-5254	184	41	between	between	ADP
easat-5254	184	42	ai	ai	PRON
easat-5254	184	43	implementation	implementation	NOUN
easat-5254	184	44	and	and	CCONJ
easat-5254	184	45	systemic	systemic	ADJ
easat-5254	184	46	risk	risk	NOUN
easat-5254	184	47	exhibits	exhibit	VERB
easat-5254	184	48	notable	notable	ADJ
easat-5254	184	49	non	non	ADJ
easat-5254	184	50	-	-	ADJ
easat-5254	184	51	linearity	linearity	ADJ
easat-5254	184	52	,	,	PUNCT
easat-5254	184	53	with	with	ADP
easat-5254	184	54	diminishing	diminish	VERB
easat-5254	184	55	marginal	marginal	ADJ
easat-5254	184	56	effects	effect	NOUN
easat-5254	184	57	at	at	ADP
easat-5254	184	58	higher	high	ADJ
easat-5254	184	59	levels	level	NOUN
easat-5254	184	60	of	of	ADP
easat-5254	184	61	ai	ai	ADJ
easat-5254	184	62	adoption	adoption	NOUN
easat-5254	184	63	.	.	PUNCT
easat-5254	185	1	the	the	DET
easat-5254	185	2	scatter	scatter	NOUN
easat-5254	185	3	plot	plot	NOUN
easat-5254	185	4	reveals	reveal	VERB
easat-5254	185	5	clustering	cluster	VERB
easat-5254	185	6	patterns	pattern	NOUN
easat-5254	185	7	based	base	VERB
easat-5254	185	8	on	on	ADP
easat-5254	185	9	bank	bank	NOUN
easat-5254	185	10	size	size	NOUN
easat-5254	185	11	,	,	PUNCT
easat-5254	185	12	suggesting	suggest	VERB
easat-5254	185	13	heterogeneous	heterogeneous	ADJ
easat-5254	185	14	effects	effect	NOUN
easat-5254	185	15	across	across	ADP
easat-5254	185	16	different	different	ADJ
easat-5254	185	17	institutional	institutional	ADJ
easat-5254	185	18	characteristics	characteristic	NOUN
easat-5254	185	19	.	.	PUNCT
easat-5254	186	1	4.3	4.3	NUM
easat-5254	186	2	.	.	PUNCT
easat-5254	186	3	robustness	robustness	NOUN
easat-5254	186	4	test	test	NOUN
easat-5254	186	5	results	result	NOUN
easat-5254	186	6	to	to	PART
easat-5254	186	7	ensure	ensure	VERB
easat-5254	186	8	the	the	DET
easat-5254	186	9	validity	validity	NOUN
easat-5254	186	10	of	of	ADP
easat-5254	186	11	our	our	PRON
easat-5254	186	12	initial	initial	ADJ
easat-5254	186	13	findings	finding	NOUN
easat-5254	186	14	,	,	PUNCT
easat-5254	186	15	we	we	PRON
easat-5254	186	16	perform	perform	VERB
easat-5254	186	17	a	a	DET
easat-5254	186	18	wide	wide	ADJ
easat-5254	186	19	range	range	NOUN
easat-5254	186	20	of	of	ADP
easat-5254	186	21	robustness	robustness	NOUN
easat-5254	186	22	tests	test	NOUN
easat-5254	186	23	using	use	VERB
easat-5254	186	24	different	different	ADJ
easat-5254	186	25	specifications	specification	NOUN
easat-5254	186	26	and	and	CCONJ
easat-5254	186	27	estimation	estimation	NOUN
easat-5254	186	28	methods	method	NOUN
easat-5254	186	29	.	.	PUNCT
easat-5254	187	1	as	as	SCONJ
easat-5254	187	2	shown	show	VERB
easat-5254	187	3	in	in	ADP
easat-5254	187	4	table	table	NOUN
easat-5254	187	5	4	4	NUM
easat-5254	187	6	,	,	PUNCT
easat-5254	187	7	the	the	DET
easat-5254	187	8	main	main	ADJ
easat-5254	187	9	findings	finding	NOUN
easat-5254	187	10	remain	remain	VERB
easat-5254	187	11	qualitatively	qualitatively	ADV
easat-5254	187	12	robust	robust	ADJ
easat-5254	187	13	regardless	regardless	ADV
easat-5254	187	14	of	of	ADP
easat-5254	187	15	model	model	NOUN
easat-5254	187	16	specifications	specification	NOUN
easat-5254	187	17	and	and	CCONJ
easat-5254	187	18	variable	variable	ADJ
easat-5254	187	19	definitions	definition	NOUN
easat-5254	187	20	used	use	VERB
easat-5254	187	21	.	.	PUNCT
easat-5254	188	1	the	the	DET
easat-5254	188	2	relationship	relationship	NOUN
easat-5254	188	3	between	between	ADP
easat-5254	188	4	artificial	artificial	ADJ
easat-5254	188	5	intelligence	intelligence	NOUN
easat-5254	188	6	usage	usage	NOUN
easat-5254	188	7	and	and	CCONJ
easat-5254	188	8	systemic	systemic	ADJ
easat-5254	188	9	risk	risk	NOUN
easat-5254	188	10	remains	remain	VERB
easat-5254	188	11	strong	strong	ADJ
easat-5254	188	12	when	when	SCONJ
easat-5254	188	13	examined	examine	VERB
easat-5254	188	14	using	use	VERB
easat-5254	188	15	different	different	ADJ
easat-5254	188	16	risk	risk	NOUN
easat-5254	188	17	measures	measure	NOUN
easat-5254	188	18	,	,	PUNCT
easat-5254	188	19	and	and	CCONJ
easat-5254	188	20	also	also	ADV
easat-5254	188	21	controlling	control	VERB
easat-5254	188	22	for	for	ADP
easat-5254	188	23	possible	possible	ADJ
easat-5254	188	24	endogeneity	endogeneity	NOUN
easat-5254	188	25	through	through	ADP
easat-5254	188	26	the	the	DET
easat-5254	188	27	use	use	NOUN
easat-5254	188	28	of	of	ADP
easat-5254	188	29	an	an	DET
easat-5254	188	30	instrumental	instrumental	ADJ
easat-5254	188	31	variables	variable	NOUN
easat-5254	188	32	method	method	NOUN
easat-5254	188	33	.	.	PUNCT
easat-5254	189	1	figure	figure	NOUN
easat-5254	189	2	3	3	NUM
easat-5254	189	3	provides	provide	VERB
easat-5254	189	4	evidence	evidence	NOUN
easat-5254	189	5	for	for	ADP
easat-5254	189	6	the	the	DET
easat-5254	189	7	stability	stability	NOUN
easat-5254	189	8	of	of	ADP
easat-5254	189	9	our	our	PRON
easat-5254	189	10	coefficients	coefficient	NOUN
easat-5254	189	11	using	use	VERB
easat-5254	189	12	different	different	ADJ
easat-5254	189	13	subsamples	subsample	NOUN
easat-5254	189	14	and	and	CCONJ
easat-5254	189	15	time	time	NOUN
easat-5254	189	16	periods	period	NOUN
easat-5254	189	17	.	.	PUNCT
easat-5254	190	1	table	table	NOUN
easat-5254	190	2	4	4	NUM
easat-5254	190	3	.	.	PUNCT
easat-5254	190	4	robustness	robustness	NOUN
easat-5254	190	5	test	test	NOUN
easat-5254	190	6	results	result	NOUN
easat-5254	190	7	with	with	ADP
easat-5254	190	8	alternative	alternative	ADJ
easat-5254	190	9	specifications	specification	NOUN
easat-5254	190	10	.	.	PUNCT
easat-5254	191	1	specification	specification	NOUN
easat-5254	191	2	ai_index	ai_index	PROPN
easat-5254	191	3	coefficient	coefficient	PROPN
easat-5254	191	4	ml_score	ml_score	INTJ
easat-5254	191	5	coefficient	coefficient	NOUN
easat-5254	191	6	sample	sample	NOUN
easat-5254	191	7	size	size	NOUN
easat-5254	191	8	hansen	hansen	PROPN
easat-5254	191	9	j	j	PROPN
easat-5254	191	10	-	-	PUNCT
easat-5254	191	11	stat	stat	ADJ
easat-5254	191	12	f	f	NOUN
easat-5254	191	13	-	-	PUNCT
easat-5254	191	14	test	test	NOUN
easat-5254	191	15	baseline	baseline	NOUN
easat-5254	191	16	-0.185	-0.185	NOUN
easat-5254	191	17	*	*	PUNCT
easat-5254	191	18	*	*	PUNCT
easat-5254	191	19	*	*	PUNCT
easat-5254	191	20	(	(	PUNCT
easat-5254	191	21	0.042	0.042	NUM
easat-5254	191	22	)	)	PUNCT
easat-5254	191	23	-0.156	-0.156	PROPN
easat-5254	192	1	*	*	PUNCT
easat-5254	192	2	*	*	PUNCT
easat-5254	192	3	*	*	PUNCT
easat-5254	192	4	(	(	PUNCT
easat-5254	192	5	0.035	0.035	NUM
easat-5254	192	6	)	)	PUNCT
easat-5254	192	7	864	864	NUM
easat-5254	193	1	45.23	45.23	NUM
easat-5254	193	2	*	*	PUNCT
easat-5254	193	3	*	*	PUNCT
easat-5254	193	4	*	*	PUNCT
easat-5254	193	5	iv-2sls	iv-2sls	NOUN
easat-5254	193	6	-0.192	-0.192	PUNCT
easat-5254	193	7	*	*	PUNCT
easat-5254	193	8	*	*	PUNCT
easat-5254	193	9	*	*	PUNCT
easat-5254	193	10	(	(	PUNCT
easat-5254	193	11	0.048	0.048	NUM
easat-5254	193	12	)	)	PUNCT
easat-5254	193	13	-0.162	-0.162	NOUN
easat-5254	193	14	*	*	PUNCT
easat-5254	193	15	*	*	PUNCT
easat-5254	193	16	*	*	PUNCT
easat-5254	193	17	(	(	PUNCT
easat-5254	193	18	0.039	0.039	NUM
easat-5254	193	19	)	)	PUNCT
easat-5254	193	20	864	864	NUM
easat-5254	193	21	0.238	0.238	NUM
easat-5254	193	22	42.56	42.56	NUM
easat-5254	193	23	*	*	PUNCT
easat-5254	193	24	*	*	PUNCT
easat-5254	193	25	*	*	PUNCT
easat-5254	193	26	gmm	gmm	NOUN
easat-5254	193	27	-0.178	-0.178	NOUN
easat-5254	193	28	*	*	PUNCT
easat-5254	193	29	*	*	PUNCT
easat-5254	193	30	*	*	PUNCT
easat-5254	193	31	(	(	PUNCT
easat-5254	193	32	0.044	0.044	NUM
easat-5254	193	33	)	)	PUNCT
easat-5254	193	34	-0.149	-0.149	PUNCT
easat-5254	193	35	*	*	PUNCT
easat-5254	193	36	*	*	PUNCT
easat-5254	193	37	*	*	PUNCT
easat-5254	193	38	(	(	PUNCT
easat-5254	193	39	0.036	0.036	NUM
easat-5254	193	40	)	)	PUNCT
easat-5254	193	41	864	864	NUM
easat-5254	193	42	0.312	0.312	NUM
easat-5254	193	43	43.89	43.89	NUM
easat-5254	193	44	*	*	PUNCT
easat-5254	193	45	*	*	PUNCT
easat-5254	193	46	*	*	PUNCT
easat-5254	193	47	alternative	alternative	ADJ
easat-5254	193	48	risk	risk	NOUN
easat-5254	193	49	-0.181	-0.181	PUNCT
easat-5254	193	50	*	*	PUNCT
easat-5254	193	51	*	*	PUNCT
easat-5254	193	52	*	*	PUNCT
easat-5254	193	53	(	(	PUNCT
easat-5254	193	54	0.043	0.043	NUM
easat-5254	193	55	)	)	PUNCT
easat-5254	193	56	-0.153	-0.153	NOUN
easat-5254	193	57	*	*	PUNCT
easat-5254	193	58	*	*	PUNCT
easat-5254	193	59	*	*	PUNCT
easat-5254	193	60	(	(	PUNCT
easat-5254	193	61	0.037	0.037	NUM
easat-5254	193	62	)	)	PUNCT
easat-5254	193	63	864	864	NUM
easat-5254	194	1	44.12	44.12	NUM
easat-5254	194	2	*	*	PUNCT
easat-5254	194	3	*	*	PUNCT
easat-5254	194	4	*	*	PUNCT
easat-5254	194	5	subsample	subsample	ADJ
easat-5254	194	6	1	1	NUM
easat-5254	194	7	-0.176	-0.176	NOUN
easat-5254	194	8	*	*	PUNCT
easat-5254	194	9	*	*	PUNCT
easat-5254	194	10	*	*	PUNCT
easat-5254	194	11	(	(	PUNCT
easat-5254	194	12	0.045	0.045	NUM
easat-5254	194	13	)	)	PUNCT
easat-5254	194	14	-0.148	-0.148	NOUN
easat-5254	195	1	*	*	PUNCT
easat-5254	195	2	*	*	PUNCT
easat-5254	195	3	*	*	PUNCT
easat-5254	195	4	(	(	PUNCT
easat-5254	195	5	0.038	0.038	NUM
easat-5254	195	6	)	)	PUNCT
easat-5254	195	7	432	432	NUM
easat-5254	196	1	41.78	41.78	NUM
easat-5254	196	2	*	*	PUNCT
easat-5254	196	3	*	*	PUNCT
easat-5254	196	4	*	*	PUNCT
easat-5254	196	5	subsample	subsample	ADJ
easat-5254	196	6	2	2	NUM
easat-5254	196	7	-0.189	-0.189	PUNCT
easat-5254	196	8	*	*	PUNCT
easat-5254	196	9	*	*	PUNCT
easat-5254	196	10	*	*	PUNCT
easat-5254	196	11	(	(	PUNCT
easat-5254	196	12	0.046	0.046	NUM
easat-5254	196	13	)	)	PUNCT
easat-5254	196	14	-0.159	-0.159	NOUN
easat-5254	196	15	*	*	PUNCT
easat-5254	196	16	*	*	PUNCT
easat-5254	196	17	*	*	PUNCT
easat-5254	196	18	(	(	PUNCT
easat-5254	196	19	0.039	0.039	NUM
easat-5254	196	20	)	)	PUNCT
easat-5254	196	21	432	432	NUM
easat-5254	196	22	43.25	43.25	NUM
easat-5254	196	23	*	*	PUNCT
easat-5254	196	24	*	*	PUNCT
easat-5254	196	25	*	*	PUNCT
easat-5254	196	26	561	561	NUM
easat-5254	196	27	edelweiss	edelweiss	PROPN
easat-5254	196	28	applied	apply	VERB
easat-5254	196	29	science	science	NOUN
easat-5254	196	30	and	and	CCONJ
easat-5254	196	31	technology	technology	NOUN
easat-5254	196	32	issn	issn	PROPN
easat-5254	196	33	:	:	PUNCT
easat-5254	196	34	2576	2576	NUM
easat-5254	196	35	-	-	SYM
easat-5254	196	36	8484	8484	NUM
easat-5254	196	37	vol	vol	NOUN
easat-5254	196	38	.	.	PROPN
easat-5254	197	1	9	9	NUM
easat-5254	197	2	,	,	PUNCT
easat-5254	197	3	no	no	INTJ
easat-5254	197	4	.	.	NOUN
easat-5254	198	1	3	3	NUM
easat-5254	198	2	:	:	PUNCT
easat-5254	198	3	553	553	NUM
easat-5254	198	4	-	-	SYM
easat-5254	198	5	567	567	NUM
easat-5254	198	6	,	,	PUNCT
easat-5254	198	7	2025	2025	NUM
easat-5254	198	8	doi	doi	NOUN
easat-5254	198	9	:	:	PUNCT
easat-5254	198	10	10.55214/25768484.v9i3.5254	10.55214/25768484.v9i3.5254	PROPN
easat-5254	198	11	©	©	PROPN
easat-5254	198	12	2025	2025	NUM
easat-5254	198	13	by	by	ADP
easat-5254	198	14	the	the	DET
easat-5254	198	15	authors	author	NOUN
easat-5254	198	16	;	;	PUNCT
easat-5254	198	17	licensee	licensee	PROPN
easat-5254	198	18	learning	learn	VERB
easat-5254	198	19	gate	gate	NOUN
easat-5254	198	20	note	note	NOUN
easat-5254	198	21	:	:	PUNCT
easat-5254	198	22	*	*	PUNCT
easat-5254	198	23	*	*	PUNCT
easat-5254	198	24	*	*	PUNCT
easat-5254	198	25	,	,	PUNCT
easat-5254	198	26	*	*	PUNCT
easat-5254	198	27	*	*	PUNCT
easat-5254	198	28	,	,	PUNCT
easat-5254	198	29	*	*	PUNCT
easat-5254	198	30	indicate	indicate	VERB
easat-5254	198	31	significance	significance	NOUN
easat-5254	198	32	at	at	ADP
easat-5254	198	33	1	1	NUM
easat-5254	198	34	%	%	NOUN
easat-5254	198	35	,	,	PUNCT
easat-5254	198	36	5	5	NUM
easat-5254	198	37	%	%	NOUN
easat-5254	198	38	,	,	PUNCT
easat-5254	198	39	and	and	CCONJ
easat-5254	198	40	10	10	NUM
easat-5254	198	41	%	%	NOUN
easat-5254	198	42	levels	level	NOUN
easat-5254	198	43	respectively	respectively	ADV
easat-5254	198	44	.	.	PUNCT
easat-5254	199	1	standard	standard	ADJ
easat-5254	199	2	errors	error	NOUN
easat-5254	199	3	in	in	ADP
easat-5254	199	4	parentheses	parenthesis	NOUN
easat-5254	199	5	.	.	PUNCT
easat-5254	200	1	figure	figure	VERB
easat-5254	200	2	3	3	NUM
easat-5254	200	3	.	.	PUNCT
easat-5254	201	1	coefficient	coefficient	NOUN
easat-5254	201	2	stability	stability	NOUN
easat-5254	201	3	analysis	analysis	NOUN
easat-5254	201	4	across	across	ADP
easat-5254	201	5	specifications	specification	NOUN
easat-5254	201	6	.	.	PUNCT
easat-5254	202	1	as	as	SCONJ
easat-5254	202	2	shown	show	VERB
easat-5254	202	3	in	in	ADP
easat-5254	202	4	figure	figure	NOUN
easat-5254	202	5	3	3	NUM
easat-5254	202	6	,	,	PUNCT
easat-5254	202	7	the	the	DET
easat-5254	202	8	coefficient	coefficient	NOUN
easat-5254	202	9	estimates	estimate	NOUN
easat-5254	202	10	remain	remain	VERB
easat-5254	202	11	stable	stable	ADJ
easat-5254	202	12	across	across	ADP
easat-5254	202	13	different	different	ADJ
easat-5254	202	14	specifications	specification	NOUN
easat-5254	202	15	,	,	PUNCT
easat-5254	202	16	with	with	ADP
easat-5254	202	17	consistent	consistent	ADJ
easat-5254	202	18	significance	significance	NOUN
easat-5254	202	19	levels	level	NOUN
easat-5254	202	20	and	and	CCONJ
easat-5254	202	21	magnitude	magnitude	NOUN
easat-5254	202	22	ranges	range	NOUN
easat-5254	202	23	.	.	PUNCT
easat-5254	203	1	this	this	DET
easat-5254	203	2	graphical	graphical	ADJ
easat-5254	203	3	representation	representation	NOUN
easat-5254	203	4	demonstrates	demonstrate	VERB
easat-5254	203	5	the	the	DET
easat-5254	203	6	robustness	robustness	NOUN
easat-5254	203	7	of	of	ADP
easat-5254	203	8	our	our	PRON
easat-5254	203	9	findings	finding	NOUN
easat-5254	203	10	to	to	ADP
easat-5254	203	11	alternative	alternative	ADJ
easat-5254	203	12	estimation	estimation	NOUN
easat-5254	203	13	approaches	approach	NOUN
easat-5254	203	14	and	and	CCONJ
easat-5254	203	15	sample	sample	NOUN
easat-5254	203	16	compositions	composition	NOUN
easat-5254	203	17	.	.	PUNCT
easat-5254	204	1	4.4	4.4	NUM
easat-5254	204	2	.	.	PUNCT
easat-5254	205	1	endogeneity	endogeneity	NOUN
easat-5254	205	2	treatment	treatment	NOUN
easat-5254	205	3	to	to	PART
easat-5254	205	4	mitigate	mitigate	VERB
easat-5254	205	5	potential	potential	ADJ
easat-5254	205	6	endogeneity	endogeneity	NOUN
easat-5254	205	7	concerns	concern	NOUN
easat-5254	205	8	,	,	PUNCT
easat-5254	205	9	we	we	PRON
easat-5254	205	10	utilize	utilize	VERB
easat-5254	205	11	a	a	DET
easat-5254	205	12	strong	strong	ADJ
easat-5254	205	13	instrumental	instrumental	ADJ
easat-5254	205	14	variable	variable	ADJ
easat-5254	205	15	approach	approach	NOUN
easat-5254	205	16	in	in	ADP
easat-5254	205	17	combination	combination	NOUN
easat-5254	205	18	with	with	ADP
easat-5254	205	19	a	a	DET
easat-5254	205	20	difference	difference	NOUN
easat-5254	205	21	-	-	PUNCT
easat-5254	205	22	in	in	ADP
easat-5254	205	23	-	-	PUNCT
easat-5254	205	24	differences	difference	NOUN
easat-5254	205	25	setup	setup	NOUN
easat-5254	205	26	.	.	PUNCT
easat-5254	206	1	the	the	DET
easat-5254	206	2	evidence	evidence	NOUN
easat-5254	206	3	in	in	ADP
easat-5254	206	4	table	table	NOUN
easat-5254	206	5	5	5	NUM
easat-5254	206	6	shows	show	VERB
easat-5254	206	7	that	that	SCONJ
easat-5254	206	8	the	the	DET
easat-5254	206	9	chosen	choose	VERB
easat-5254	206	10	instrumental	instrumental	ADJ
easat-5254	206	11	variables	variable	NOUN
easat-5254	206	12	have	have	VERB
easat-5254	206	13	high	high	ADJ
easat-5254	206	14	relevance	relevance	NOUN
easat-5254	206	15	and	and	CCONJ
easat-5254	206	16	validity	validity	NOUN
easat-5254	206	17	,	,	PUNCT
easat-5254	206	18	as	as	SCONJ
easat-5254	206	19	indicated	indicate	VERB
easat-5254	206	20	by	by	ADP
easat-5254	206	21	the	the	DET
easat-5254	206	22	first	first	ADJ
easat-5254	206	23	-	-	PUNCT
easat-5254	206	24	stage	stage	NOUN
easat-5254	206	25	f	f	PROPN
easat-5254	206	26	-	-	PUNCT
easat-5254	206	27	statistics	statistic	NOUN
easat-5254	206	28	and	and	CCONJ
easat-5254	206	29	hansen	hansen	PROPN
easat-5254	206	30	j	j	PROPN
easat-5254	206	31	-	-	PUNCT
easat-5254	206	32	tests	test	NOUN
easat-5254	206	33	.	.	PUNCT
easat-5254	207	1	the	the	DET
easat-5254	207	2	geographic	geographic	ADJ
easat-5254	207	3	agglomeration	agglomeration	NOUN
easat-5254	207	4	of	of	ADP
easat-5254	207	5	fintech	fintech	NOUN
easat-5254	207	6	talent	talent	NOUN
easat-5254	207	7	(	(	PUNCT
easat-5254	207	8	first	first	ADJ
easat-5254	207	9	-	-	PUNCT
easat-5254	207	10	stage	stage	NOUN
easat-5254	207	11	coefficient	coefficient	NOUN
easat-5254	207	12	:	:	PUNCT
easat-5254	207	13	-0.245	-0.245	PROPN
easat-5254	207	14	,	,	PUNCT
easat-5254	207	15	p<0.01	p<0.01	PROPN
easat-5254	207	16	)	)	PUNCT
easat-5254	207	17	and	and	CCONJ
easat-5254	207	18	the	the	DET
easat-5254	207	19	historical	historical	ADJ
easat-5254	207	20	evolution	evolution	NOUN
easat-5254	207	21	of	of	ADP
easat-5254	207	22	digital	digital	ADJ
easat-5254	207	23	infrastructure	infrastructure	NOUN
easat-5254	207	24	(	(	PUNCT
easat-5254	207	25	first	first	ADJ
easat-5254	207	26	-	-	PUNCT
easat-5254	207	27	stage	stage	NOUN
easat-5254	207	28	coefficient	coefficient	NOUN
easat-5254	207	29	:	:	PUNCT
easat-5254	207	30	0.312	0.312	NUM
easat-5254	207	31	,	,	PUNCT
easat-5254	207	32	p<0.01	p<0.01	PROPN
easat-5254	207	33	)	)	PUNCT
easat-5254	207	34	are	be	AUX
easat-5254	207	35	good	good	ADJ
easat-5254	207	36	instruments	instrument	NOUN
easat-5254	207	37	for	for	ADP
easat-5254	207	38	artificial	artificial	ADJ
easat-5254	207	39	intelligence	intelligence	NOUN
easat-5254	207	40	adoption	adoption	NOUN
easat-5254	207	41	.	.	PUNCT
easat-5254	208	1	figure	figure	VERB
easat-5254	208	2	4	4	NUM
easat-5254	208	3	supports	support	VERB
easat-5254	208	4	the	the	DET
easat-5254	208	5	parallel	parallel	ADJ
easat-5254	208	6	trends	trend	NOUN
easat-5254	208	7	assumption	assumption	NOUN
easat-5254	208	8	by	by	ADP
easat-5254	208	9	showing	show	VERB
easat-5254	208	10	similar	similar	ADJ
easat-5254	208	11	trends	trend	NOUN
easat-5254	208	12	before	before	ADP
easat-5254	208	13	the	the	DET
easat-5254	208	14	treatment	treatment	NOUN
easat-5254	208	15	for	for	ADP
easat-5254	208	16	both	both	CCONJ
easat-5254	208	17	the	the	DET
easat-5254	208	18	treatment	treatment	NOUN
easat-5254	208	19	and	and	CCONJ
easat-5254	208	20	control	control	NOUN
easat-5254	208	21	groups	group	NOUN
easat-5254	208	22	.	.	PUNCT
easat-5254	209	1	the	the	DET
easat-5254	209	2	results	result	NOUN
easat-5254	209	3	from	from	ADP
easat-5254	209	4	the	the	DET
easat-5254	209	5	second	second	ADJ
easat-5254	209	6	stage	stage	NOUN
easat-5254	209	7	again	again	ADV
easat-5254	209	8	show	show	VERB
easat-5254	209	9	both	both	CCONJ
easat-5254	209	10	statistical	statistical	ADJ
easat-5254	209	11	and	and	CCONJ
easat-5254	209	12	economic	economic	ADJ
easat-5254	209	13	significance	significance	NOUN
easat-5254	209	14	,	,	PUNCT
easat-5254	209	15	with	with	ADP
easat-5254	209	16	the	the	DET
easat-5254	209	17	instrumented	instrumented	ADJ
easat-5254	209	18	ai_index	ai_index	NOUN
easat-5254	209	19	having	have	VERB
easat-5254	209	20	a	a	DET
easat-5254	209	21	slightly	slightly	ADV
easat-5254	209	22	larger	large	ADJ
easat-5254	209	23	effect	effect	NOUN
easat-5254	209	24	(	(	PUNCT
easat-5254	209	25	-0.203	-0.203	X
easat-5254	209	26	,	,	PUNCT
easat-5254	209	27	p<0.01	p<0.01	PROPN
easat-5254	209	28	)	)	PUNCT
easat-5254	209	29	compared	compare	VERB
easat-5254	209	30	to	to	ADP
easat-5254	209	31	the	the	DET
easat-5254	209	32	original	original	ADJ
easat-5254	209	33	estimates	estimate	NOUN
easat-5254	209	34	,	,	PUNCT
easat-5254	209	35	suggesting	suggest	VERB
easat-5254	209	36	a	a	DET
easat-5254	209	37	potential	potential	ADJ
easat-5254	209	38	downward	downward	ADJ
easat-5254	209	39	bias	bias	NOUN
easat-5254	209	40	in	in	ADP
easat-5254	209	41	our	our	PRON
easat-5254	209	42	initial	initial	ADJ
easat-5254	209	43	results	result	NOUN
easat-5254	209	44	.	.	PUNCT
easat-5254	210	1	562	562	NUM
easat-5254	210	2	edelweiss	edelweiss	PROPN
easat-5254	210	3	applied	apply	VERB
easat-5254	210	4	science	science	NOUN
easat-5254	210	5	and	and	CCONJ
easat-5254	210	6	technology	technology	NOUN
easat-5254	210	7	issn	issn	PROPN
easat-5254	210	8	:	:	PUNCT
easat-5254	210	9	2576	2576	NUM
easat-5254	210	10	-	-	SYM
easat-5254	210	11	8484	8484	NUM
easat-5254	210	12	vol	vol	NOUN
easat-5254	210	13	.	.	PROPN
easat-5254	211	1	9	9	NUM
easat-5254	211	2	,	,	PUNCT
easat-5254	211	3	no	no	INTJ
easat-5254	211	4	.	.	NOUN
easat-5254	212	1	3	3	NUM
easat-5254	212	2	:	:	PUNCT
easat-5254	212	3	553	553	NUM
easat-5254	212	4	-	-	SYM
easat-5254	212	5	567	567	NUM
easat-5254	212	6	,	,	PUNCT
easat-5254	212	7	2025	2025	NUM
easat-5254	212	8	doi	doi	NOUN
easat-5254	212	9	:	:	PUNCT
easat-5254	212	10	10.55214/25768484.v9i3.5254	10.55214/25768484.v9i3.5254	PROPN
easat-5254	212	11	©	©	PROPN
easat-5254	212	12	2025	2025	NUM
easat-5254	212	13	by	by	ADP
easat-5254	212	14	the	the	DET
easat-5254	212	15	authors	author	NOUN
easat-5254	212	16	;	;	PUNCT
easat-5254	212	17	licensee	licensee	PROPN
easat-5254	212	18	learning	learn	VERB
easat-5254	212	19	gate	gate	NOUN
easat-5254	212	20	table	table	NOUN
easat-5254	212	21	5	5	NUM
easat-5254	212	22	.	.	PUNCT
easat-5254	213	1	instrumental	instrumental	ADJ
easat-5254	213	2	variable	variable	ADJ
easat-5254	213	3	estimation	estimation	NOUN
easat-5254	213	4	results	result	VERB
easat-5254	213	5	.	.	PUNCT
easat-5254	214	1	variable	variable	ADJ
easat-5254	214	2	first	first	ADJ
easat-5254	214	3	stage	stage	NOUN
easat-5254	214	4	2sls	2sls	NUM
easat-5254	214	5	gmm	gmm	NOUN
easat-5254	214	6	did	do	AUX
easat-5254	214	7	fintech	fintech	NOUN
easat-5254	214	8	talent	talent	NOUN
easat-5254	214	9	-0.245	-0.245	PUNCT
easat-5254	214	10	*	*	PUNCT
easat-5254	214	11	*	*	PUNCT
easat-5254	214	12	*	*	PUNCT
easat-5254	214	13	(	(	PUNCT
easat-5254	214	14	0.056	0.056	NUM
easat-5254	214	15	)	)	PUNCT
easat-5254	214	16	digital	digital	ADJ
easat-5254	214	17	infrastructure	infrastructure	NOUN
easat-5254	214	18	0.312	0.312	NUM
easat-5254	214	19	*	*	PUNCT
easat-5254	214	20	*	*	PUNCT
easat-5254	214	21	*	*	PUNCT
easat-5254	214	22	(	(	PUNCT
easat-5254	214	23	0.078	0.078	NUM
easat-5254	214	24	)	)	PUNCT
easat-5254	214	25	ai_index	ai_index	NOUN
easat-5254	214	26	(	(	PUNCT
easat-5254	214	27	instrumented	instrumented	ADJ
easat-5254	214	28	)	)	PUNCT
easat-5254	214	29	-0.203	-0.203	X
easat-5254	214	30	*	*	PUNCT
easat-5254	214	31	*	*	PUNCT
easat-5254	214	32	*	*	PUNCT
easat-5254	215	1	-0.198	-0.198	ADJ
easat-5254	215	2	*	*	PUNCT
easat-5254	215	3	*	*	PUNCT
easat-5254	215	4	*	*	PUNCT
easat-5254	215	5	-0.189	-0.189	PUNCT
easat-5254	216	1	*	*	PUNCT
easat-5254	216	2	*	*	PUNCT
easat-5254	216	3	*	*	PUNCT
easat-5254	216	4	(	(	PUNCT
easat-5254	216	5	0.048	0.048	NUM
easat-5254	216	6	)	)	PUNCT
easat-5254	216	7	(	(	PUNCT
easat-5254	216	8	0.045	0.045	NUM
easat-5254	216	9	)	)	PUNCT
easat-5254	216	10	(	(	PUNCT
easat-5254	216	11	0.044	0.044	NUM
easat-5254	216	12	)	)	PUNCT
easat-5254	216	13	first	first	ADJ
easat-5254	216	14	-	-	PUNCT
easat-5254	216	15	stage	stage	NOUN
easat-5254	216	16	f	f	NOUN
easat-5254	216	17	-	-	PUNCT
easat-5254	216	18	stat	stat	PROPN
easat-5254	216	19	24.56	24.56	NUM
easat-5254	216	20	hansen	hansen	PROPN
easat-5254	216	21	j	j	PROPN
easat-5254	216	22	-	-	PROPN
easat-5254	216	23	stat	stat	PROPN
easat-5254	216	24	(	(	PUNCT
easat-5254	216	25	p	p	NOUN
easat-5254	216	26	-	-	PUNCT
easat-5254	216	27	value	value	NOUN
easat-5254	216	28	)	)	PUNCT
easat-5254	216	29	0.235	0.235	NUM
easat-5254	216	30	0.242	0.242	NUM
easat-5254	216	31	ar(2	ar(2	NOUN
easat-5254	216	32	)	)	PUNCT
easat-5254	216	33	test	test	NOUN
easat-5254	216	34	(	(	PUNCT
easat-5254	216	35	p	p	NOUN
easat-5254	216	36	-	-	PUNCT
easat-5254	216	37	value	value	NOUN
easat-5254	216	38	)	)	PUNCT
easat-5254	216	39	0.345	0.345	NUM
easat-5254	216	40	controls	control	VERB
easat-5254	217	1	yes	yes	INTJ
easat-5254	218	1	yes	yes	INTJ
easat-5254	219	1	yes	yes	INTJ
easat-5254	219	2	yes	yes	INTJ
easat-5254	219	3	fixed	fix	VERB
easat-5254	219	4	effects	effect	NOUN
easat-5254	220	1	yes	yes	INTJ
easat-5254	221	1	yes	yes	INTJ
easat-5254	222	1	yes	yes	INTJ
easat-5254	223	1	yes	yes	INTJ
easat-5254	223	2	observations	observation	NOUN
easat-5254	223	3	864	864	NUM
easat-5254	223	4	864	864	NUM
easat-5254	223	5	864	864	NUM
easat-5254	223	6	864	864	NUM
easat-5254	223	7	note	note	NOUN
easat-5254	223	8	:	:	PUNCT
easat-5254	223	9	*	*	PUNCT
easat-5254	223	10	*	*	PUNCT
easat-5254	223	11	*	*	PUNCT
easat-5254	223	12	,	,	PUNCT
easat-5254	223	13	*	*	PUNCT
easat-5254	223	14	*	*	PUNCT
easat-5254	223	15	,	,	PUNCT
easat-5254	223	16	*	*	PUNCT
easat-5254	223	17	indicate	indicate	VERB
easat-5254	223	18	significance	significance	NOUN
easat-5254	223	19	at	at	ADP
easat-5254	223	20	1	1	NUM
easat-5254	223	21	%	%	NOUN
easat-5254	223	22	,	,	PUNCT
easat-5254	223	23	5	5	NUM
easat-5254	223	24	%	%	NOUN
easat-5254	223	25	,	,	PUNCT
easat-5254	223	26	and	and	CCONJ
easat-5254	223	27	10	10	NUM
easat-5254	223	28	%	%	NOUN
easat-5254	223	29	levels	level	NOUN
easat-5254	223	30	respectively	respectively	ADV
easat-5254	223	31	.	.	PUNCT
easat-5254	224	1	robust	robust	ADJ
easat-5254	224	2	standard	standard	ADJ
easat-5254	224	3	errors	error	NOUN
easat-5254	224	4	in	in	ADP
easat-5254	224	5	parentheses	parenthesis	NOUN
easat-5254	224	6	.	.	PUNCT
easat-5254	225	1	figure	figure	VERB
easat-5254	225	2	4	4	NUM
easat-5254	225	3	.	.	PUNCT
easat-5254	226	1	parallel	parallel	ADJ
easat-5254	226	2	trends	trend	NOUN
easat-5254	226	3	analysis	analysis	NOUN
easat-5254	226	4	.	.	PUNCT
easat-5254	227	1	as	as	SCONJ
easat-5254	227	2	shown	show	VERB
easat-5254	227	3	in	in	ADP
easat-5254	227	4	figure	figure	NOUN
easat-5254	227	5	4	4	NUM
easat-5254	227	6	,	,	PUNCT
easat-5254	227	7	the	the	DET
easat-5254	227	8	parallel	parallel	ADJ
easat-5254	227	9	trends	trend	NOUN
easat-5254	227	10	analysis	analysis	NOUN
easat-5254	227	11	demonstrates	demonstrate	VERB
easat-5254	227	12	consistent	consistent	ADJ
easat-5254	227	13	pre	pre	ADJ
easat-5254	227	14	-	-	ADJ
easat-5254	227	15	treatment	treatment	ADJ
easat-5254	227	16	patterns	pattern	NOUN
easat-5254	227	17	between	between	ADP
easat-5254	227	18	banks	bank	NOUN
easat-5254	227	19	with	with	ADP
easat-5254	227	20	high	high	ADJ
easat-5254	227	21	and	and	CCONJ
easat-5254	227	22	low	low	ADJ
easat-5254	227	23	ai	ai	VERB
easat-5254	227	24	implementation	implementation	NOUN
easat-5254	227	25	levels	level	NOUN
easat-5254	227	26	,	,	PUNCT
easat-5254	227	27	supporting	support	VERB
easat-5254	227	28	the	the	DET
easat-5254	227	29	validity	validity	NOUN
easat-5254	227	30	of	of	ADP
easat-5254	227	31	our	our	PRON
easat-5254	227	32	difference	difference	NOUN
easat-5254	227	33	-	-	PUNCT
easat-5254	227	34	indifferences	indifference	NOUN
easat-5254	227	35	approach	approach	NOUN
easat-5254	227	36	.	.	PUNCT
easat-5254	228	1	4.5	4.5	NUM
easat-5254	228	2	.	.	PUNCT
easat-5254	229	1	mechanism	mechanism	NOUN
easat-5254	229	2	analysis	analysis	NOUN
easat-5254	229	3	the	the	DET
easat-5254	229	4	analysis	analysis	NOUN
easat-5254	229	5	of	of	ADP
easat-5254	229	6	transmission	transmission	NOUN
easat-5254	229	7	channels	channel	NOUN
easat-5254	229	8	reveals	reveal	VERB
easat-5254	229	9	various	various	ADJ
easat-5254	229	10	avenues	avenue	NOUN
easat-5254	229	11	through	through	ADP
easat-5254	229	12	which	which	PRON
easat-5254	229	13	smart	smart	ADJ
easat-5254	229	14	algorithms	algorithm	NOUN
easat-5254	229	15	affect	affect	VERB
easat-5254	229	16	the	the	DET
easat-5254	229	17	systemic	systemic	ADJ
easat-5254	229	18	risk	risk	NOUN
easat-5254	229	19	exposure	exposure	NOUN
easat-5254	229	20	of	of	ADP
easat-5254	229	21	banking	banking	NOUN
easat-5254	229	22	organizations	organization	NOUN
easat-5254	229	23	.	.	PUNCT
easat-5254	230	1	table	table	NOUN
easat-5254	230	2	6	6	NUM
easat-5254	230	3	describes	describe	VERB
easat-5254	230	4	the	the	DET
easat-5254	230	5	classification	classification	NOUN
easat-5254	230	6	of	of	ADP
easat-5254	230	7	these	these	DET
easat-5254	230	8	effects	effect	NOUN
easat-5254	230	9	through	through	ADP
easat-5254	230	10	mediation	mediation	NOUN
easat-5254	230	11	analysis	analysis	NOUN
easat-5254	230	12	,	,	PUNCT
easat-5254	230	13	where	where	SCONJ
easat-5254	230	14	the	the	DET
easat-5254	230	15	effectiveness	effectiveness	NOUN
easat-5254	230	16	of	of	ADP
easat-5254	230	17	risk	risk	NOUN
easat-5254	230	18	identification	identification	NOUN
easat-5254	230	19	is	be	AUX
easat-5254	230	20	the	the	DET
easat-5254	230	21	leading	lead	VERB
easat-5254	230	22	channel	channel	NOUN
easat-5254	230	23	,	,	PUNCT
easat-5254	230	24	with	with	ADP
easat-5254	230	25	42.3	42.3	NUM
easat-5254	230	26	%	%	NOUN
easat-5254	230	27	of	of	ADP
easat-5254	230	28	the	the	DET
easat-5254	230	29	total	total	ADJ
easat-5254	230	30	effect	effect	NOUN
easat-5254	230	31	.	.	PUNCT
easat-5254	231	1	figure	figure	NOUN
easat-5254	231	2	5	5	NUM
easat-5254	231	3	shows	show	VERB
easat-5254	231	4	the	the	DET
easat-5254	231	5	structural	structural	ADJ
easat-5254	231	6	path	path	NOUN
easat-5254	231	7	analysis	analysis	NOUN
easat-5254	231	8	of	of	ADP
easat-5254	231	9	the	the	DET
easat-5254	231	10	underlying	underlie	VERB
easat-5254	231	11	processes	process	NOUN
easat-5254	231	12	,	,	PUNCT
easat-5254	231	13	where	where	SCONJ
easat-5254	231	14	the	the	DET
easat-5254	231	15	interrelatedness	interrelatedness	NOUN
easat-5254	231	16	of	of	ADP
easat-5254	231	17	both	both	CCONJ
easat-5254	231	18	direct	direct	ADJ
easat-5254	231	19	and	and	CCONJ
easat-5254	231	20	indirect	indirect	ADJ
easat-5254	231	21	effects	effect	NOUN
easat-5254	231	22	through	through	ADP
easat-5254	231	23	different	different	ADJ
easat-5254	231	24	operational	operational	ADJ
easat-5254	231	25	channels	channel	NOUN
easat-5254	231	26	is	be	AUX
easat-5254	231	27	563	563	NUM
easat-5254	231	28	edelweiss	edelweiss	PROPN
easat-5254	231	29	applied	apply	VERB
easat-5254	231	30	science	science	NOUN
easat-5254	231	31	and	and	CCONJ
easat-5254	231	32	technology	technology	NOUN
easat-5254	231	33	issn	issn	PROPN
easat-5254	231	34	:	:	PUNCT
easat-5254	231	35	2576	2576	NUM
easat-5254	231	36	-	-	SYM
easat-5254	231	37	8484	8484	NUM
easat-5254	231	38	vol	vol	NOUN
easat-5254	231	39	.	.	PROPN
easat-5254	232	1	9	9	NUM
easat-5254	232	2	,	,	PUNCT
easat-5254	232	3	no	no	INTJ
easat-5254	232	4	.	.	NOUN
easat-5254	233	1	3	3	NUM
easat-5254	233	2	:	:	PUNCT
easat-5254	233	3	553	553	NUM
easat-5254	233	4	-	-	SYM
easat-5254	233	5	567	567	NUM
easat-5254	233	6	,	,	PUNCT
easat-5254	233	7	2025	2025	NUM
easat-5254	233	8	doi	doi	NOUN
easat-5254	233	9	:	:	PUNCT
easat-5254	233	10	10.55214/25768484.v9i3.5254	10.55214/25768484.v9i3.5254	PROPN
easat-5254	233	11	©	©	PROPN
easat-5254	233	12	2025	2025	NUM
easat-5254	233	13	by	by	ADP
easat-5254	233	14	the	the	DET
easat-5254	233	15	authors	author	NOUN
easat-5254	233	16	;	;	PUNCT
easat-5254	233	17	licensee	licensee	PROPN
easat-5254	233	18	learning	learning	NOUN
easat-5254	233	19	gate	gate	PROPN
easat-5254	233	20	evident	evident	ADJ
easat-5254	233	21	.	.	PUNCT
easat-5254	234	1	the	the	DET
easat-5254	234	2	bootstrap	bootstrap	NOUN
easat-5254	234	3	analysis	analysis	NOUN
easat-5254	234	4	of	of	ADP
easat-5254	234	5	indirect	indirect	ADJ
easat-5254	234	6	effects	effect	NOUN
easat-5254	234	7	supports	support	VERB
easat-5254	234	8	the	the	DET
easat-5254	234	9	statistical	statistical	ADJ
easat-5254	234	10	significance	significance	NOUN
easat-5254	234	11	of	of	ADP
easat-5254	234	12	all	all	DET
easat-5254	234	13	the	the	DET
easat-5254	234	14	channels	channel	NOUN
easat-5254	234	15	found	find	VERB
easat-5254	234	16	,	,	PUNCT
easat-5254	234	17	with	with	ADP
easat-5254	234	18	significantly	significantly	ADV
easat-5254	234	19	stronger	strong	ADJ
easat-5254	234	20	effects	effect	NOUN
easat-5254	234	21	in	in	ADP
easat-5254	234	22	the	the	DET
easat-5254	234	23	augmentation	augmentation	NOUN
easat-5254	234	24	of	of	ADP
easat-5254	234	25	information	information	NOUN
easat-5254	234	26	processing	processing	NOUN
easat-5254	234	27	ability	ability	NOUN
easat-5254	234	28	(	(	PUNCT
easat-5254	234	29	35.7	35.7	NUM
easat-5254	234	30	%	%	NOUN
easat-5254	234	31	of	of	ADP
easat-5254	234	32	the	the	DET
easat-5254	234	33	total	total	ADJ
easat-5254	234	34	effect	effect	NOUN
easat-5254	234	35	)	)	PUNCT
easat-5254	234	36	and	and	CCONJ
easat-5254	234	37	in	in	ADP
easat-5254	234	38	decision	decision	NOUN
easat-5254	234	39	-	-	PUNCT
easat-5254	234	40	making	make	VERB
easat-5254	234	41	optimization	optimization	NOUN
easat-5254	234	42	(	(	PUNCT
easat-5254	234	43	22.0	22.0	NUM
easat-5254	234	44	%	%	NOUN
easat-5254	234	45	of	of	ADP
easat-5254	234	46	the	the	DET
easat-5254	234	47	total	total	ADJ
easat-5254	234	48	effect	effect	NOUN
easat-5254	234	49	)	)	PUNCT
easat-5254	234	50	.	.	PUNCT
easat-5254	235	1	table	table	NOUN
easat-5254	235	2	6	6	NUM
easat-5254	235	3	.	.	PUNCT
easat-5254	235	4	mechanism	mechanism	NOUN
easat-5254	235	5	analysis	analysis	NOUN
easat-5254	235	6	and	and	CCONJ
easat-5254	235	7	channel	channel	NOUN
easat-5254	235	8	decomposition	decomposition	NOUN
easat-5254	235	9	.	.	PUNCT
easat-5254	236	1	channel	channel	NOUN
easat-5254	236	2	direct	direct	ADJ
easat-5254	236	3	effect	effect	NOUN
easat-5254	236	4	indirect	indirect	ADJ
easat-5254	236	5	effect	effect	NOUN
easat-5254	236	6	total	total	ADJ
easat-5254	236	7	effect	effect	NOUN
easat-5254	236	8	bootstrap	bootstrap	NOUN
easat-5254	236	9	ci	ci	PROPN
easat-5254	236	10	sobel	sobel	PROPN
easat-5254	236	11	test	test	NOUN
easat-5254	236	12	risk	risk	NOUN
easat-5254	236	13	identification	identification	NOUN
easat-5254	236	14	-0.156	-0.156	PUNCT
easat-5254	236	15	*	*	PUNCT
easat-5254	236	16	*	*	PUNCT
easat-5254	236	17	*	*	PUNCT
easat-5254	237	1	-0.086	-0.086	PUNCT
easat-5254	237	2	*	*	PUNCT
easat-5254	237	3	*	*	PUNCT
easat-5254	237	4	*	*	PUNCT
easat-5254	237	5	-0.242	-0.242	NOUN
easat-5254	237	6	*	*	PUNCT
easat-5254	237	7	*	*	PUNCT
easat-5254	237	8	*	*	PUNCT
easat-5254	238	1	[	[	X
easat-5254	238	2	-0.289	-0.289	X
easat-5254	238	3	,	,	PUNCT
easat-5254	238	4	-0.195	-0.195	PROPN
easat-5254	238	5	]	]	PUNCT
easat-5254	238	6	4.56	4.56	NUM
easat-5254	238	7	*	*	PUNCT
easat-5254	238	8	*	*	PUNCT
easat-5254	238	9	*	*	PUNCT
easat-5254	238	10	(	(	PUNCT
easat-5254	238	11	0.034	0.034	NUM
easat-5254	238	12	)	)	PUNCT
easat-5254	238	13	(	(	PUNCT
easat-5254	238	14	0.022	0.022	NUM
easat-5254	238	15	)	)	PUNCT
easat-5254	238	16	(	(	PUNCT
easat-5254	238	17	0.041	0.041	NUM
easat-5254	238	18	)	)	PUNCT
easat-5254	238	19	(	(	PUNCT
easat-5254	238	20	0.000	0.000	X
easat-5254	238	21	)	)	PUNCT
easat-5254	238	22	information	information	NOUN
easat-5254	238	23	processing	processing	NOUN
easat-5254	238	24	-0.132	-0.132	PRON
easat-5254	238	25	*	*	PUNCT
easat-5254	238	26	*	*	PUNCT
easat-5254	238	27	*	*	PUNCT
easat-5254	238	28	-0.073	-0.073	PUNCT
easat-5254	238	29	*	*	PUNCT
easat-5254	238	30	*	*	PUNCT
easat-5254	238	31	*	*	PUNCT
easat-5254	238	32	-0.205	-0.205	PUNCT
easat-5254	238	33	*	*	PUNCT
easat-5254	238	34	*	*	PUNCT
easat-5254	238	35	*	*	PUNCT
easat-5254	239	1	[	[	X
easat-5254	239	2	-0.246	-0.246	NOUN
easat-5254	239	3	,	,	PUNCT
easat-5254	239	4	-0.164	-0.164	NOUN
easat-5254	239	5	]	]	X
easat-5254	239	6	3.98	3.98	NUM
easat-5254	239	7	*	*	PUNCT
easat-5254	239	8	*	*	PUNCT
easat-5254	239	9	*	*	PUNCT
easat-5254	239	10	(	(	PUNCT
easat-5254	239	11	0.029	0.029	NUM
easat-5254	239	12	)	)	PUNCT
easat-5254	239	13	(	(	PUNCT
easat-5254	239	14	0.019	0.019	NUM
easat-5254	239	15	)	)	PUNCT
easat-5254	239	16	(	(	PUNCT
easat-5254	239	17	0.035	0.035	NUM
easat-5254	239	18	)	)	PUNCT
easat-5254	239	19	(	(	PUNCT
easat-5254	239	20	0.000	0.000	X
easat-5254	239	21	)	)	PUNCT
easat-5254	239	22	decision	decision	NOUN
easat-5254	239	23	optimization	optimization	NOUN
easat-5254	239	24	-0.084	-0.084	NOUN
easat-5254	239	25	*	*	PUNCT
easat-5254	239	26	*	*	PUNCT
easat-5254	239	27	*	*	PUNCT
easat-5254	239	28	-0.045	-0.045	PUNCT
easat-5254	239	29	*	*	PUNCT
easat-5254	239	30	*	*	PUNCT
easat-5254	239	31	*	*	PUNCT
easat-5254	239	32	-0.129	-0.129	PUNCT
easat-5254	239	33	*	*	PUNCT
easat-5254	239	34	*	*	PUNCT
easat-5254	239	35	*	*	PUNCT
easat-5254	239	36	[	[	X
easat-5254	239	37	-0.168	-0.168	NOUN
easat-5254	239	38	,	,	PUNCT
easat-5254	239	39	-0.090	-0.090	X
easat-5254	239	40	]	]	X
easat-5254	239	41	3.45	3.45	NUM
easat-5254	239	42	*	*	PUNCT
easat-5254	239	43	*	*	PUNCT
easat-5254	239	44	*	*	PUNCT
easat-5254	239	45	(	(	PUNCT
easat-5254	239	46	0.021	0.021	NUM
easat-5254	239	47	)	)	PUNCT
easat-5254	239	48	(	(	PUNCT
easat-5254	239	49	0.014	0.014	NUM
easat-5254	239	50	)	)	PUNCT
easat-5254	239	51	(	(	PUNCT
easat-5254	239	52	0.026	0.026	NUM
easat-5254	239	53	)	)	PUNCT
easat-5254	239	54	(	(	PUNCT
easat-5254	239	55	0.000	0.000	X
easat-5254	239	56	)	)	PUNCT
easat-5254	239	57	market	market	NOUN
easat-5254	239	58	efficiency	efficiency	NOUN
easat-5254	239	59	-0.062	-0.062	PRON
easat-5254	239	60	*	*	PUNCT
easat-5254	239	61	*	*	PUNCT
easat-5254	239	62	*	*	PUNCT
easat-5254	239	63	-0.034	-0.034	PUNCT
easat-5254	239	64	*	*	PUNCT
easat-5254	239	65	*	*	PUNCT
easat-5254	239	66	*	*	PUNCT
easat-5254	239	67	-0.096	-0.096	PUNCT
easat-5254	239	68	*	*	PUNCT
easat-5254	239	69	*	*	PUNCT
easat-5254	239	70	*	*	PUNCT
easat-5254	240	1	[	[	X
easat-5254	240	2	-0.124	-0.124	ADJ
easat-5254	240	3	,	,	PUNCT
easat-5254	240	4	-0.068	-0.068	X
easat-5254	240	5	]	]	X
easat-5254	240	6	2.98	2.98	NUM
easat-5254	240	7	*	*	PUNCT
easat-5254	240	8	*	*	PUNCT
easat-5254	240	9	*	*	PUNCT
easat-5254	240	10	(	(	PUNCT
easat-5254	240	11	0.018	0.018	NUM
easat-5254	240	12	)	)	PUNCT
easat-5254	240	13	(	(	PUNCT
easat-5254	240	14	0.011	0.011	NUM
easat-5254	240	15	)	)	PUNCT
easat-5254	240	16	(	(	PUNCT
easat-5254	240	17	0.022	0.022	NUM
easat-5254	240	18	)	)	PUNCT
easat-5254	240	19	(	(	PUNCT
easat-5254	240	20	0.002	0.002	NUM
easat-5254	240	21	)	)	PUNCT
easat-5254	240	22	combined	combined	ADJ
easat-5254	240	23	effect	effect	NOUN
easat-5254	240	24	-0.434	-0.434	PUNCT
easat-5254	240	25	*	*	PUNCT
easat-5254	240	26	*	*	PUNCT
easat-5254	240	27	*	*	PUNCT
easat-5254	240	28	-0.238	-0.238	PUNCT
easat-5254	240	29	*	*	PUNCT
easat-5254	240	30	*	*	PUNCT
easat-5254	240	31	*	*	PUNCT
easat-5254	240	32	-0.672	-0.672	ADJ
easat-5254	240	33	*	*	PUNCT
easat-5254	240	34	*	*	PUNCT
easat-5254	240	35	*	*	PUNCT
easat-5254	241	1	[	[	X
easat-5254	241	2	-0.745	-0.745	X
easat-5254	241	3	,	,	PUNCT
easat-5254	241	4	-0.599	-0.599	PRON
easat-5254	241	5	]	]	X
easat-5254	241	6	5.67	5.67	NUM
easat-5254	241	7	*	*	PUNCT
easat-5254	241	8	*	*	PUNCT
easat-5254	241	9	*	*	PUNCT
easat-5254	241	10	(	(	PUNCT
easat-5254	241	11	0.092	0.092	NUM
easat-5254	241	12	)	)	PUNCT
easat-5254	241	13	(	(	PUNCT
easat-5254	241	14	0.066	0.066	NUM
easat-5254	241	15	)	)	PUNCT
easat-5254	241	16	(	(	PUNCT
easat-5254	241	17	0.124	0.124	NUM
easat-5254	241	18	)	)	PUNCT
easat-5254	241	19	(	(	PUNCT
easat-5254	241	20	0.000	0.000	X
easat-5254	241	21	)	)	PUNCT
easat-5254	241	22	note	note	NOUN
easat-5254	241	23	:	:	PUNCT
easat-5254	241	24	*	*	PUNCT
easat-5254	241	25	*	*	PUNCT
easat-5254	241	26	*	*	PUNCT
easat-5254	241	27	,	,	PUNCT
easat-5254	241	28	*	*	PUNCT
easat-5254	241	29	*	*	PUNCT
easat-5254	241	30	,	,	PUNCT
easat-5254	241	31	*	*	PUNCT
easat-5254	241	32	indicate	indicate	VERB
easat-5254	241	33	significance	significance	NOUN
easat-5254	241	34	at	at	ADP
easat-5254	241	35	1	1	NUM
easat-5254	241	36	%	%	NOUN
easat-5254	241	37	,	,	PUNCT
easat-5254	241	38	5	5	NUM
easat-5254	241	39	%	%	NOUN
easat-5254	241	40	,	,	PUNCT
easat-5254	241	41	and	and	CCONJ
easat-5254	241	42	10	10	NUM
easat-5254	241	43	%	%	NOUN
easat-5254	241	44	levels	level	NOUN
easat-5254	241	45	.	.	PUNCT
easat-5254	242	1	bootstrap	bootstrap	NOUN
easat-5254	242	2	ci	ci	PROPN
easat-5254	242	3	based	base	VERB
easat-5254	242	4	on	on	ADP
easat-5254	242	5	5000	5000	NUM
easat-5254	242	6	replications	replication	NOUN
easat-5254	242	7	.	.	PUNCT
easat-5254	243	1	figure	figure	NOUN
easat-5254	243	2	5	5	NUM
easat-5254	243	3	.	.	PUNCT
easat-5254	243	4	structural	structural	ADJ
easat-5254	243	5	path	path	NOUN
easat-5254	243	6	analysis	analysis	NOUN
easat-5254	243	7	of	of	ADP
easat-5254	243	8	transmission	transmission	NOUN
easat-5254	243	9	mechanisms	mechanism	NOUN
easat-5254	243	10	click	click	VERB
easat-5254	243	11	to	to	PART
easat-5254	243	12	open	open	VERB
easat-5254	243	13	code	code	NOUN
easat-5254	243	14	.	.	PUNCT
easat-5254	244	1	4.6	4.6	NUM
easat-5254	244	2	.	.	PUNCT
easat-5254	244	3	extended	extend	VERB
easat-5254	244	4	analysis	analysis	NOUN
easat-5254	244	5	our	our	PRON
easat-5254	244	6	extended	extended	ADJ
easat-5254	244	7	analysis	analysis	NOUN
easat-5254	244	8	explores	explore	VERB
easat-5254	244	9	the	the	DET
easat-5254	244	10	heterogeneous	heterogeneous	ADJ
easat-5254	244	11	effects	effect	NOUN
easat-5254	244	12	of	of	ADP
easat-5254	244	13	ai	ai	ADJ
easat-5254	244	14	implementation	implementation	NOUN
easat-5254	244	15	across	across	ADP
easat-5254	244	16	different	different	ADJ
easat-5254	244	17	bank	bank	NOUN
easat-5254	244	18	characteristics	characteristic	NOUN
easat-5254	244	19	and	and	CCONJ
easat-5254	244	20	market	market	NOUN
easat-5254	244	21	conditions	condition	NOUN
easat-5254	244	22	.	.	PUNCT
easat-5254	245	1	table	table	NOUN
easat-5254	245	2	7	7	NUM
easat-5254	245	3	presents	present	VERB
easat-5254	245	4	the	the	DET
easat-5254	245	5	differential	differential	ADJ
easat-5254	245	6	impacts	impact	NOUN
easat-5254	245	7	across	across	ADP
easat-5254	245	8	bank	bank	NOUN
easat-5254	245	9	size	size	NOUN
easat-5254	245	10	categories	category	NOUN
easat-5254	245	11	and	and	CCONJ
easat-5254	245	12	ownership	ownership	NOUN
easat-5254	245	13	structures	structure	NOUN
easat-5254	245	14	,	,	PUNCT
easat-5254	245	15	while	while	SCONJ
easat-5254	245	16	figure	figure	NOUN
easat-5254	245	17	6	6	NUM
easat-5254	245	18	visualizes	visualize	VERB
easat-5254	245	19	the	the	DET
easat-5254	245	20	non	non	ADJ
easat-5254	245	21	-	-	ADJ
easat-5254	245	22	linear	linear	ADJ
easat-5254	245	23	relationship	relationship	NOUN
easat-5254	245	24	between	between	ADP
easat-5254	245	25	ai	ai	PROPN
easat-5254	245	26	564	564	NUM
easat-5254	245	27	edelweiss	edelweiss	PROPN
easat-5254	245	28	applied	apply	VERB
easat-5254	245	29	science	science	NOUN
easat-5254	245	30	and	and	CCONJ
easat-5254	245	31	technology	technology	NOUN
easat-5254	245	32	issn	issn	PROPN
easat-5254	245	33	:	:	PUNCT
easat-5254	245	34	2576	2576	NUM
easat-5254	245	35	-	-	SYM
easat-5254	245	36	8484	8484	NUM
easat-5254	245	37	vol	vol	NOUN
easat-5254	245	38	.	.	PROPN
easat-5254	246	1	9	9	NUM
easat-5254	246	2	,	,	PUNCT
easat-5254	246	3	no	no	INTJ
easat-5254	246	4	.	.	NOUN
easat-5254	247	1	3	3	NUM
easat-5254	247	2	:	:	PUNCT
easat-5254	247	3	553	553	NUM
easat-5254	247	4	-	-	SYM
easat-5254	247	5	567	567	NUM
easat-5254	247	6	,	,	PUNCT
easat-5254	247	7	2025	2025	NUM
easat-5254	247	8	doi	doi	NOUN
easat-5254	247	9	:	:	PUNCT
easat-5254	247	10	10.55214/25768484.v9i3.5254	10.55214/25768484.v9i3.5254	PROPN
easat-5254	247	11	©	©	PROPN
easat-5254	247	12	2025	2025	NUM
easat-5254	247	13	by	by	ADP
easat-5254	247	14	the	the	DET
easat-5254	247	15	authors	author	NOUN
easat-5254	247	16	;	;	PUNCT
easat-5254	247	17	licensee	licensee	PROPN
easat-5254	247	18	learning	learn	VERB
easat-5254	247	19	gate	gate	NOUN
easat-5254	247	20	implementation	implementation	NOUN
easat-5254	247	21	intensity	intensity	NOUN
easat-5254	247	22	and	and	CCONJ
easat-5254	247	23	risk	risk	NOUN
easat-5254	247	24	reduction	reduction	NOUN
easat-5254	247	25	effects	effect	NOUN
easat-5254	247	26	.	.	PUNCT
easat-5254	248	1	the	the	DET
easat-5254	248	2	results	result	NOUN
easat-5254	248	3	reveal	reveal	VERB
easat-5254	248	4	significantly	significantly	ADV
easat-5254	248	5	stronger	strong	ADJ
easat-5254	248	6	effects	effect	NOUN
easat-5254	248	7	for	for	ADP
easat-5254	248	8	larger	large	ADJ
easat-5254	248	9	banks	bank	NOUN
easat-5254	248	10	(	(	PUNCT
easat-5254	248	11	-0.245	-0.245	PROPN
easat-5254	248	12	,	,	PUNCT
easat-5254	248	13	p<0.01	p<0.01	PROPN
easat-5254	248	14	)	)	PUNCT
easat-5254	248	15	compared	compare	VERB
easat-5254	248	16	to	to	ADP
easat-5254	248	17	smaller	small	ADJ
easat-5254	248	18	institutions	institution	NOUN
easat-5254	248	19	(	(	PUNCT
easat-5254	248	20	-0.156	-0.156	PROPN
easat-5254	248	21	,	,	PUNCT
easat-5254	248	22	p<0.01	p<0.01	PROPN
easat-5254	248	23	)	)	PUNCT
easat-5254	248	24	,	,	PUNCT
easat-5254	248	25	potentially	potentially	ADV
easat-5254	248	26	due	due	ADJ
easat-5254	248	27	to	to	ADP
easat-5254	248	28	economies	economy	NOUN
easat-5254	248	29	of	of	ADP
easat-5254	248	30	scale	scale	NOUN
easat-5254	248	31	in	in	ADP
easat-5254	248	32	technology	technology	NOUN
easat-5254	248	33	deployment	deployment	NOUN
easat-5254	248	34	and	and	CCONJ
easat-5254	248	35	risk	risk	NOUN
easat-5254	248	36	management	management	NOUN
easat-5254	248	37	capabilities	capability	NOUN
easat-5254	248	38	.	.	PUNCT
easat-5254	249	1	table	table	NOUN
easat-5254	249	2	7	7	NUM
easat-5254	249	3	.	.	PUNCT
easat-5254	249	4	heterogeneous	heterogeneous	ADJ
easat-5254	249	5	effects	effect	NOUN
easat-5254	249	6	and	and	CCONJ
easat-5254	249	7	conditional	conditional	ADJ
easat-5254	249	8	analysis	analysis	NOUN
easat-5254	249	9	.	.	PUNCT
easat-5254	250	1	category	category	NOUN
easat-5254	250	2	condition	condition	NOUN
easat-5254	250	3	base	base	NOUN
easat-5254	250	4	effect	effect	NOUN
easat-5254	250	5	interaction	interaction	NOUN
easat-5254	250	6	total	total	ADJ
easat-5254	250	7	effect	effect	NOUN
easat-5254	250	8	observations	observation	NOUN
easat-5254	250	9	bank	bank	PROPN
easat-5254	250	10	size	size	VERB
easat-5254	250	11	large	large	ADJ
easat-5254	250	12	-0.245	-0.245	NOUN
easat-5254	250	13	*	*	PUNCT
easat-5254	250	14	*	*	PUNCT
easat-5254	250	15	*	*	PUNCT
easat-5254	250	16	-0.086	-0.086	PUNCT
easat-5254	250	17	*	*	PUNCT
easat-5254	250	18	*	*	PUNCT
easat-5254	250	19	*	*	PUNCT
easat-5254	251	1	-0.331	-0.331	PUNCT
easat-5254	251	2	*	*	PUNCT
easat-5254	251	3	*	*	PUNCT
easat-5254	251	4	*	*	PUNCT
easat-5254	251	5	288	288	NUM
easat-5254	251	6	(	(	PUNCT
easat-5254	251	7	0.052	0.052	NUM
easat-5254	251	8	)	)	PUNCT
easat-5254	251	9	(	(	PUNCT
easat-5254	251	10	0.024	0.024	NUM
easat-5254	251	11	)	)	PUNCT
easat-5254	251	12	(	(	PUNCT
easat-5254	251	13	0.076	0.076	NUM
easat-5254	251	14	)	)	PUNCT
easat-5254	251	15	medium	medium	NOUN
easat-5254	251	16	-0.198	-0.198	NOUN
easat-5254	251	17	*	*	PUNCT
easat-5254	252	1	*	*	PUNCT
easat-5254	252	2	*	*	PUNCT
easat-5254	252	3	-0.062	-0.062	PUNCT
easat-5254	252	4	*	*	PUNCT
easat-5254	252	5	*	*	PUNCT
easat-5254	252	6	*	*	PUNCT
easat-5254	252	7	-0.260	-0.260	PUNCT
easat-5254	252	8	*	*	PUNCT
easat-5254	252	9	*	*	PUNCT
easat-5254	252	10	*	*	PUNCT
easat-5254	252	11	288	288	NUM
easat-5254	252	12	(	(	PUNCT
easat-5254	252	13	0.045	0.045	NUM
easat-5254	252	14	)	)	PUNCT
easat-5254	252	15	(	(	PUNCT
easat-5254	252	16	0.019	0.019	NUM
easat-5254	252	17	)	)	PUNCT
easat-5254	252	18	(	(	PUNCT
easat-5254	252	19	0.064	0.064	NUM
easat-5254	252	20	)	)	PUNCT
easat-5254	252	21	small	small	ADJ
easat-5254	252	22	-0.156	-0.156	NOUN
easat-5254	252	23	*	*	PUNCT
easat-5254	252	24	*	*	PUNCT
easat-5254	252	25	*	*	PUNCT
easat-5254	252	26	-0.045	-0.045	PUNCT
easat-5254	252	27	*	*	PUNCT
easat-5254	252	28	*	*	PUNCT
easat-5254	252	29	*	*	PUNCT
easat-5254	253	1	-0.201	-0.201	PUNCT
easat-5254	253	2	*	*	PUNCT
easat-5254	253	3	*	*	PUNCT
easat-5254	253	4	*	*	PUNCT
easat-5254	253	5	288	288	NUM
easat-5254	253	6	(	(	PUNCT
easat-5254	253	7	0.038	0.038	NUM
easat-5254	253	8	)	)	PUNCT
easat-5254	253	9	(	(	PUNCT
easat-5254	253	10	0.015	0.015	NUM
easat-5254	253	11	)	)	PUNCT
easat-5254	253	12	(	(	PUNCT
easat-5254	253	13	0.053	0.053	NUM
easat-5254	253	14	)	)	PUNCT
easat-5254	253	15	market	market	NOUN
easat-5254	253	16	state	state	NOUN
easat-5254	253	17	bull	bull	NOUN
easat-5254	253	18	-0.212	-0.212	PROPN
easat-5254	253	19	*	*	PUNCT
easat-5254	253	20	*	*	PUNCT
easat-5254	253	21	*	*	PUNCT
easat-5254	253	22	-0.073	-0.073	PUNCT
easat-5254	253	23	*	*	PUNCT
easat-5254	253	24	*	*	PUNCT
easat-5254	253	25	*	*	PUNCT
easat-5254	253	26	-0.285	-0.285	PUNCT
easat-5254	253	27	*	*	PUNCT
easat-5254	253	28	*	*	PUNCT
easat-5254	253	29	*	*	PUNCT
easat-5254	253	30	432	432	NUM
easat-5254	253	31	(	(	PUNCT
easat-5254	253	32	0.048	0.048	NUM
easat-5254	253	33	)	)	PUNCT
easat-5254	253	34	(	(	PUNCT
easat-5254	253	35	0.021	0.021	NUM
easat-5254	253	36	)	)	PUNCT
easat-5254	253	37	(	(	PUNCT
easat-5254	253	38	0.069	0.069	NUM
easat-5254	253	39	)	)	PUNCT
easat-5254	253	40	bear	bear	NOUN
easat-5254	253	41	-0.283	-0.283	NOUN
easat-5254	253	42	*	*	PUNCT
easat-5254	253	43	*	*	PUNCT
easat-5254	253	44	*	*	PUNCT
easat-5254	253	45	-0.092	-0.092	PUNCT
easat-5254	253	46	*	*	PUNCT
easat-5254	253	47	*	*	PUNCT
easat-5254	253	48	*	*	PUNCT
easat-5254	253	49	-0.375	-0.375	PUNCT
easat-5254	253	50	*	*	PUNCT
easat-5254	253	51	*	*	PUNCT
easat-5254	253	52	*	*	PUNCT
easat-5254	253	53	432	432	NUM
easat-5254	253	54	(	(	PUNCT
easat-5254	253	55	0.061	0.061	NUM
easat-5254	253	56	)	)	PUNCT
easat-5254	253	57	(	(	PUNCT
easat-5254	253	58	0.026	0.026	NUM
easat-5254	253	59	)	)	PUNCT
easat-5254	253	60	(	(	PUNCT
easat-5254	253	61	0.087	0.087	NUM
easat-5254	253	62	)	)	PUNCT
easat-5254	253	63	ownership	ownership	NOUN
easat-5254	253	64	state	state	NOUN
easat-5254	253	65	-0.234	-0.234	PUNCT
easat-5254	253	66	*	*	PUNCT
easat-5254	253	67	*	*	PUNCT
easat-5254	253	68	*	*	PUNCT
easat-5254	254	1	-0.078	-0.078	PUNCT
easat-5254	254	2	*	*	PUNCT
easat-5254	254	3	*	*	PUNCT
easat-5254	254	4	*	*	PUNCT
easat-5254	255	1	-0.312	-0.312	PUNCT
easat-5254	255	2	*	*	PUNCT
easat-5254	255	3	*	*	PUNCT
easat-5254	255	4	*	*	PUNCT
easat-5254	255	5	432	432	NUM
easat-5254	255	6	(	(	PUNCT
easat-5254	255	7	0.053	0.053	NUM
easat-5254	255	8	)	)	PUNCT
easat-5254	255	9	(	(	PUNCT
easat-5254	255	10	0.023	0.023	NUM
easat-5254	255	11	)	)	PUNCT
easat-5254	255	12	(	(	PUNCT
easat-5254	255	13	0.076	0.076	NUM
easat-5254	255	14	)	)	PUNCT
easat-5254	255	15	private	private	ADJ
easat-5254	255	16	-0.189	-0.189	PUNCT
easat-5254	255	17	*	*	PUNCT
easat-5254	255	18	*	*	PUNCT
easat-5254	255	19	*	*	PUNCT
easat-5254	255	20	-0.064	-0.064	NOUN
easat-5254	255	21	*	*	PUNCT
easat-5254	255	22	*	*	PUNCT
easat-5254	255	23	*	*	PUNCT
easat-5254	255	24	-0.253	-0.253	PUNCT
easat-5254	255	25	*	*	PUNCT
easat-5254	255	26	*	*	PUNCT
easat-5254	255	27	*	*	PUNCT
easat-5254	255	28	432	432	NUM
easat-5254	255	29	(	(	PUNCT
easat-5254	255	30	0.044	0.044	NUM
easat-5254	255	31	)	)	PUNCT
easat-5254	255	32	(	(	PUNCT
easat-5254	255	33	0.019	0.019	NUM
easat-5254	255	34	)	)	PUNCT
easat-5254	255	35	(	(	PUNCT
easat-5254	255	36	0.063	0.063	NUM
easat-5254	255	37	)	)	PUNCT
easat-5254	255	38	note	note	NOUN
easat-5254	255	39	:	:	PUNCT
easat-5254	255	40	*	*	PUNCT
easat-5254	255	41	*	*	PUNCT
easat-5254	255	42	*	*	PUNCT
easat-5254	255	43	,	,	PUNCT
easat-5254	255	44	*	*	PUNCT
easat-5254	255	45	*	*	PUNCT
easat-5254	255	46	,	,	PUNCT
easat-5254	255	47	*	*	PUNCT
easat-5254	255	48	indicate	indicate	VERB
easat-5254	255	49	significance	significance	NOUN
easat-5254	255	50	at	at	ADP
easat-5254	255	51	1	1	NUM
easat-5254	255	52	%	%	NOUN
easat-5254	255	53	,	,	PUNCT
easat-5254	255	54	5	5	NUM
easat-5254	255	55	%	%	NOUN
easat-5254	255	56	,	,	PUNCT
easat-5254	255	57	and	and	CCONJ
easat-5254	255	58	10	10	NUM
easat-5254	255	59	%	%	NOUN
easat-5254	255	60	levels	level	NOUN
easat-5254	255	61	.	.	PUNCT
easat-5254	256	1	robust	robust	ADJ
easat-5254	256	2	standard	standard	ADJ
easat-5254	256	3	errors	error	NOUN
easat-5254	256	4	in	in	ADP
easat-5254	256	5	parentheses	parenthesis	NOUN
easat-5254	256	6	.	.	PUNCT
easat-5254	257	1	figure	figure	VERB
easat-5254	257	2	6	6	NUM
easat-5254	257	3	.	.	PUNCT
easat-5254	258	1	non	non	ADJ
easat-5254	258	2	-	-	ADJ
easat-5254	258	3	linear	linear	ADJ
easat-5254	258	4	effects	effect	NOUN
easat-5254	258	5	of	of	ADP
easat-5254	258	6	ai	ai	ADJ
easat-5254	258	7	implementation	implementation	NOUN
easat-5254	258	8	.	.	PUNCT
easat-5254	259	1	as	as	SCONJ
easat-5254	259	2	shown	show	VERB
easat-5254	259	3	in	in	ADP
easat-5254	259	4	figure	figure	NOUN
easat-5254	259	5	6	6	NUM
easat-5254	259	6	,	,	PUNCT
easat-5254	259	7	the	the	DET
easat-5254	259	8	relationship	relationship	NOUN
easat-5254	259	9	between	between	ADP
easat-5254	259	10	ai	ai	PRON
easat-5254	259	11	implementation	implementation	NOUN
easat-5254	259	12	and	and	CCONJ
easat-5254	259	13	risk	risk	NOUN
easat-5254	259	14	reduction	reduction	NOUN
easat-5254	259	15	exhibits	exhibit	VERB
easat-5254	259	16	significant	significant	ADJ
easat-5254	259	17	non	non	NOUN
easat-5254	259	18	-	-	NOUN
easat-5254	259	19	linearities	linearity	NOUN
easat-5254	259	20	,	,	PUNCT
easat-5254	259	21	with	with	ADP
easat-5254	259	22	diminishing	diminish	VERB
easat-5254	259	23	marginal	marginal	ADJ
easat-5254	259	24	returns	return	NOUN
easat-5254	259	25	at	at	ADP
easat-5254	259	26	higher	high	ADJ
easat-5254	259	27	levels	level	NOUN
easat-5254	259	28	of	of	ADP
easat-5254	259	29	ai	ai	ADJ
easat-5254	259	30	adoption	adoption	NOUN
easat-5254	259	31	,	,	PUNCT
easat-5254	259	32	particularly	particularly	ADV
easat-5254	259	33	pronounced	pronounce	VERB
easat-5254	259	34	for	for	ADP
easat-5254	259	35	larger	large	ADJ
easat-5254	259	36	banking	banking	NOUN
easat-5254	259	37	institutions	institution	NOUN
easat-5254	259	38	.	.	PUNCT
easat-5254	260	1	565	565	NUM
easat-5254	260	2	edelweiss	edelweiss	PROPN
easat-5254	260	3	applied	apply	VERB
easat-5254	260	4	science	science	NOUN
easat-5254	260	5	and	and	CCONJ
easat-5254	260	6	technology	technology	NOUN
easat-5254	260	7	issn	issn	PROPN
easat-5254	260	8	:	:	PUNCT
easat-5254	260	9	2576	2576	NUM
easat-5254	260	10	-	-	SYM
easat-5254	260	11	8484	8484	NUM
easat-5254	260	12	vol	vol	NOUN
easat-5254	260	13	.	.	PROPN
easat-5254	261	1	9	9	NUM
easat-5254	261	2	,	,	PUNCT
easat-5254	261	3	no	no	INTJ
easat-5254	261	4	.	.	NOUN
easat-5254	262	1	3	3	NUM
easat-5254	262	2	:	:	PUNCT
easat-5254	262	3	553	553	NUM
easat-5254	262	4	-	-	SYM
easat-5254	262	5	567	567	NUM
easat-5254	262	6	,	,	PUNCT
easat-5254	262	7	2025	2025	NUM
easat-5254	262	8	doi	doi	NOUN
easat-5254	262	9	:	:	PUNCT
easat-5254	262	10	10.55214/25768484.v9i3.5254	10.55214/25768484.v9i3.5254	PROPN
easat-5254	262	11	©	©	PROPN
easat-5254	262	12	2025	2025	NUM
easat-5254	262	13	by	by	ADP
easat-5254	262	14	the	the	DET
easat-5254	262	15	authors	author	NOUN
easat-5254	262	16	;	;	PUNCT
easat-5254	262	17	licensee	licensee	PROPN
easat-5254	262	18	learning	learning	NOUN
easat-5254	262	19	gate	gate	NOUN
easat-5254	262	20	5	5	NUM
easat-5254	262	21	.	.	PUNCT
easat-5254	263	1	conclusion	conclusion	NOUN
easat-5254	263	2	this	this	DET
easat-5254	263	3	study	study	NOUN
easat-5254	263	4	provides	provide	VERB
easat-5254	263	5	rich	rich	ADJ
easat-5254	263	6	empirical	empirical	ADJ
easat-5254	263	7	evidence	evidence	NOUN
easat-5254	263	8	regarding	regard	VERB
easat-5254	263	9	the	the	DET
easat-5254	263	10	role	role	NOUN
easat-5254	263	11	of	of	ADP
easat-5254	263	12	intelligent	intelligent	ADJ
easat-5254	263	13	algorithms	algorithm	NOUN
easat-5254	263	14	in	in	ADP
easat-5254	263	15	detecting	detect	VERB
easat-5254	263	16	systemic	systemic	ADJ
easat-5254	263	17	risk	risk	NOUN
easat-5254	263	18	in	in	ADP
easat-5254	263	19	the	the	DET
easat-5254	263	20	chinese	chinese	ADJ
easat-5254	263	21	banking	banking	NOUN
easat-5254	263	22	sector	sector	NOUN
easat-5254	263	23	.	.	PUNCT
easat-5254	264	1	based	base	VERB
easat-5254	264	2	on	on	ADP
easat-5254	264	3	a	a	DET
easat-5254	264	4	careful	careful	ADJ
easat-5254	264	5	analysis	analysis	NOUN
easat-5254	264	6	of	of	ADP
easat-5254	264	7	36	36	NUM
easat-5254	264	8	listed	list	VERB
easat-5254	264	9	commercial	commercial	ADJ
easat-5254	264	10	banks	bank	NOUN
easat-5254	264	11	from	from	ADP
easat-5254	264	12	2018	2018	NUM
easat-5254	264	13	to	to	ADP
easat-5254	264	14	2023	2023	NUM
easat-5254	264	15	,	,	PUNCT
easat-5254	264	16	our	our	PRON
easat-5254	264	17	findings	finding	NOUN
easat-5254	264	18	provide	provide	VERB
easat-5254	264	19	several	several	ADJ
easat-5254	264	20	interesting	interesting	ADJ
easat-5254	264	21	theoretical	theoretical	ADJ
easat-5254	264	22	and	and	CCONJ
easat-5254	264	23	practical	practical	ADJ
easat-5254	264	24	implications	implication	NOUN
easat-5254	264	25	.	.	PUNCT
easat-5254	265	1	the	the	DET
easat-5254	265	2	study	study	NOUN
easat-5254	265	3	clearly	clearly	ADV
easat-5254	265	4	shows	show	VERB
easat-5254	265	5	that	that	SCONJ
easat-5254	265	6	the	the	DET
easat-5254	265	7	use	use	NOUN
easat-5254	265	8	of	of	ADP
easat-5254	265	9	intelligent	intelligent	ADJ
easat-5254	265	10	algorithms	algorithm	NOUN
easat-5254	265	11	greatly	greatly	ADV
easat-5254	265	12	enhances	enhance	VERB
easat-5254	265	13	the	the	DET
easat-5254	265	14	ability	ability	NOUN
easat-5254	265	15	of	of	ADP
easat-5254	265	16	banks	bank	NOUN
easat-5254	265	17	to	to	PART
easat-5254	265	18	detect	detect	VERB
easat-5254	265	19	and	and	CCONJ
easat-5254	265	20	mitigate	mitigate	VERB
easat-5254	265	21	systemic	systemic	ADJ
easat-5254	265	22	risk	risk	NOUN
easat-5254	265	23	,	,	PUNCT
easat-5254	265	24	with	with	ADP
easat-5254	265	25	an	an	DET
easat-5254	265	26	average	average	ADJ
easat-5254	265	27	risk	risk	NOUN
easat-5254	265	28	reduction	reduction	NOUN
easat-5254	265	29	of	of	ADP
easat-5254	265	30	18.5	18.5	NUM
easat-5254	265	31	%	%	NOUN
easat-5254	265	32	(	(	PUNCT
easat-5254	265	33	p<0.01	p<0.01	PROPN
easat-5254	265	34	)	)	PUNCT
easat-5254	265	35	over	over	ADP
easat-5254	265	36	the	the	DET
easat-5254	265	37	period	period	NOUN
easat-5254	265	38	of	of	ADP
easat-5254	265	39	analysis	analysis	NOUN
easat-5254	265	40	.	.	PUNCT
easat-5254	266	1	this	this	DET
easat-5254	266	2	relationship	relationship	NOUN
easat-5254	266	3	holds	hold	VERB
easat-5254	266	4	even	even	ADV
easat-5254	266	5	after	after	ADP
easat-5254	266	6	controlling	control	VERB
easat-5254	266	7	for	for	ADP
easat-5254	266	8	endogeneity	endogeneity	NOUN
easat-5254	266	9	concerns	concern	NOUN
easat-5254	266	10	using	use	VERB
easat-5254	266	11	instrumental	instrumental	ADJ
easat-5254	266	12	variable	variable	ADJ
easat-5254	266	13	methods	method	NOUN
easat-5254	266	14	and	and	CCONJ
easat-5254	266	15	a	a	DET
easat-5254	266	16	range	range	NOUN
easat-5254	266	17	of	of	ADP
easat-5254	266	18	robustness	robustness	NOUN
easat-5254	266	19	tests	test	NOUN
easat-5254	266	20	.	.	PUNCT
easat-5254	267	1	our	our	PRON
easat-5254	267	2	mechanism	mechanism	NOUN
easat-5254	267	3	analysis	analysis	NOUN
easat-5254	267	4	identifies	identify	VERB
easat-5254	267	5	three	three	NUM
easat-5254	267	6	main	main	ADJ
easat-5254	267	7	channels	channel	NOUN
easat-5254	267	8	through	through	ADP
easat-5254	267	9	which	which	PRON
easat-5254	267	10	intelligent	intelligent	ADJ
easat-5254	267	11	algorithms	algorithm	NOUN
easat-5254	267	12	influence	influence	VERB
easat-5254	267	13	systemic	systemic	ADJ
easat-5254	267	14	risk	risk	NOUN
easat-5254	267	15	:	:	PUNCT
easat-5254	267	16	the	the	DET
easat-5254	267	17	effectiveness	effectiveness	NOUN
easat-5254	267	18	of	of	ADP
easat-5254	267	19	risk	risk	NOUN
easat-5254	267	20	detection	detection	NOUN
easat-5254	267	21	(	(	PUNCT
easat-5254	267	22	42.3	42.3	NUM
easat-5254	267	23	%	%	NOUN
easat-5254	267	24	of	of	ADP
easat-5254	267	25	the	the	DET
easat-5254	267	26	total	total	ADJ
easat-5254	267	27	effect	effect	NOUN
easat-5254	267	28	)	)	PUNCT
easat-5254	267	29	,	,	PUNCT
easat-5254	267	30	the	the	DET
easat-5254	267	31	ability	ability	NOUN
easat-5254	267	32	to	to	PART
easat-5254	267	33	process	process	VERB
easat-5254	267	34	information	information	NOUN
easat-5254	267	35	(	(	PUNCT
easat-5254	267	36	35.7	35.7	NUM
easat-5254	267	37	%	%	NOUN
easat-5254	267	38	)	)	PUNCT
easat-5254	267	39	,	,	PUNCT
easat-5254	267	40	and	and	CCONJ
easat-5254	267	41	the	the	DET
easat-5254	267	42	optimization	optimization	NOUN
easat-5254	267	43	of	of	ADP
easat-5254	267	44	decision	decision	NOUN
easat-5254	267	45	-	-	PUNCT
easat-5254	267	46	making	making	NOUN
easat-5254	267	47	(	(	PUNCT
easat-5254	267	48	22.0	22.0	NUM
easat-5254	267	49	%	%	NOUN
easat-5254	267	50	)	)	PUNCT
easat-5254	267	51	.	.	PUNCT
easat-5254	268	1	these	these	DET
easat-5254	268	2	findings	finding	NOUN
easat-5254	268	3	add	add	VERB
easat-5254	268	4	to	to	ADP
easat-5254	268	5	the	the	DET
easat-5254	268	6	literature	literature	NOUN
easat-5254	268	7	by	by	ADP
easat-5254	268	8	providing	provide	VERB
easat-5254	268	9	rich	rich	ADJ
easat-5254	268	10	evidence	evidence	NOUN
easat-5254	268	11	of	of	ADP
easat-5254	268	12	how	how	SCONJ
easat-5254	268	13	technological	technological	ADJ
easat-5254	268	14	progress	progress	NOUN
easat-5254	268	15	transforms	transform	VERB
easat-5254	268	16	traditional	traditional	ADJ
easat-5254	268	17	risk	risk	NOUN
easat-5254	268	18	management	management	NOUN
easat-5254	268	19	practices	practice	NOUN
easat-5254	268	20	.	.	PUNCT
easat-5254	269	1	moreover	moreover	ADV
easat-5254	269	2	,	,	PUNCT
easat-5254	269	3	the	the	DET
easat-5254	269	4	heterogeneous	heterogeneous	ADJ
easat-5254	269	5	effects	effect	NOUN
easat-5254	269	6	analysis	analysis	NOUN
easat-5254	269	7	suggests	suggest	VERB
easat-5254	269	8	that	that	SCONJ
easat-5254	269	9	larger	large	ADJ
easat-5254	269	10	banks	bank	NOUN
easat-5254	269	11	and	and	CCONJ
easat-5254	269	12	those	those	PRON
easat-5254	269	13	operating	operate	VERB
easat-5254	269	14	in	in	ADP
easat-5254	269	15	more	more	ADJ
easat-5254	269	16	complex	complex	ADJ
easat-5254	269	17	market	market	NOUN
easat-5254	269	18	environments	environment	NOUN
easat-5254	269	19	gain	gain	VERB
easat-5254	269	20	more	more	ADJ
easat-5254	269	21	benefits	benefit	NOUN
easat-5254	269	22	from	from	ADP
easat-5254	269	23	the	the	DET
easat-5254	269	24	use	use	NOUN
easat-5254	269	25	of	of	ADP
easat-5254	269	26	artificial	artificial	ADJ
easat-5254	269	27	intelligence	intelligence	NOUN
easat-5254	269	28	,	,	PUNCT
easat-5254	269	29	suggesting	suggest	VERB
easat-5254	269	30	the	the	DET
easat-5254	269	31	presence	presence	NOUN
easat-5254	269	32	of	of	ADP
easat-5254	269	33	significant	significant	ADJ
easat-5254	269	34	economies	economy	NOUN
easat-5254	269	35	of	of	ADP
easat-5254	269	36	scale	scale	NOUN
easat-5254	269	37	in	in	ADP
easat-5254	269	38	the	the	DET
easat-5254	269	39	technological	technological	ADJ
easat-5254	269	40	management	management	NOUN
easat-5254	269	41	of	of	ADP
easat-5254	269	42	risk	risk	NOUN
easat-5254	269	43	.	.	PUNCT
easat-5254	270	1	the	the	DET
easat-5254	270	2	results	result	NOUN
easat-5254	270	3	reported	report	VERB
easat-5254	270	4	have	have	VERB
easat-5254	270	5	significant	significant	ADJ
easat-5254	270	6	implications	implication	NOUN
easat-5254	270	7	for	for	ADP
easat-5254	270	8	bank	bank	NOUN
easat-5254	270	9	operations	operation	NOUN
easat-5254	270	10	and	and	CCONJ
easat-5254	270	11	regulatory	regulatory	ADJ
easat-5254	270	12	frameworks	framework	NOUN
easat-5254	270	13	.	.	PUNCT
easat-5254	271	1	first	first	ADV
easat-5254	271	2	,	,	PUNCT
easat-5254	271	3	they	they	PRON
easat-5254	271	4	suggest	suggest	VERB
easat-5254	271	5	that	that	SCONJ
easat-5254	271	6	regulatory	regulatory	ADJ
easat-5254	271	7	agencies	agency	NOUN
easat-5254	271	8	should	should	AUX
easat-5254	271	9	encourage	encourage	VERB
easat-5254	271	10	and	and	CCONJ
easat-5254	271	11	possibly	possibly	ADV
easat-5254	271	12	incentivize	incentivize	VERB
easat-5254	271	13	the	the	DET
easat-5254	271	14	use	use	NOUN
easat-5254	271	15	of	of	ADP
easat-5254	271	16	sophisticated	sophisticated	ADJ
easat-5254	271	17	algorithms	algorithm	NOUN
easat-5254	271	18	in	in	ADP
easat-5254	271	19	risk	risk	NOUN
easat-5254	271	20	management	management	NOUN
easat-5254	271	21	systems	system	NOUN
easat-5254	271	22	,	,	PUNCT
easat-5254	271	23	particularly	particularly	ADV
easat-5254	271	24	for	for	ADP
easat-5254	271	25	small	small	ADJ
easat-5254	271	26	banking	banking	NOUN
easat-5254	271	27	institutions	institution	NOUN
easat-5254	271	28	that	that	PRON
easat-5254	271	29	may	may	AUX
easat-5254	271	30	face	face	VERB
easat-5254	271	31	resource	resource	NOUN
easat-5254	271	32	constraints	constraint	NOUN
easat-5254	271	33	.	.	PUNCT
easat-5254	272	1	second	second	ADJ
easat-5254	272	2	,	,	PUNCT
easat-5254	272	3	the	the	DET
easat-5254	272	4	results	result	NOUN
easat-5254	272	5	highlight	highlight	VERB
easat-5254	272	6	the	the	DET
easat-5254	272	7	need	need	NOUN
easat-5254	272	8	for	for	ADP
easat-5254	272	9	the	the	DET
easat-5254	272	10	development	development	NOUN
easat-5254	272	11	of	of	ADP
easat-5254	272	12	standardized	standardized	ADJ
easat-5254	272	13	criteria	criterion	NOUN
easat-5254	272	14	for	for	ADP
easat-5254	272	15	the	the	DET
easat-5254	272	16	evaluation	evaluation	NOUN
easat-5254	272	17	and	and	CCONJ
easat-5254	272	18	regulation	regulation	NOUN
easat-5254	272	19	of	of	ADP
easat-5254	272	20	ai	ai	NOUN
easat-5254	272	21	-	-	PUNCT
easat-5254	272	22	based	base	VERB
easat-5254	272	23	risk	risk	NOUN
easat-5254	272	24	management	management	NOUN
easat-5254	272	25	systems	system	NOUN
easat-5254	272	26	.	.	PUNCT
easat-5254	273	1	finally	finally	ADV
easat-5254	273	2	,	,	PUNCT
easat-5254	273	3	the	the	DET
easat-5254	273	4	variability	variability	NOUN
easat-5254	273	5	of	of	ADP
easat-5254	273	6	effects	effect	NOUN
easat-5254	273	7	related	relate	VERB
easat-5254	273	8	to	to	ADP
easat-5254	273	9	various	various	ADJ
easat-5254	273	10	banking	banking	NOUN
easat-5254	273	11	characteristics	characteristic	NOUN
easat-5254	273	12	suggests	suggest	VERB
easat-5254	273	13	the	the	DET
easat-5254	273	14	need	need	NOUN
easat-5254	273	15	for	for	ADP
easat-5254	273	16	a	a	DET
easat-5254	273	17	tailored	tailor	VERB
easat-5254	273	18	approach	approach	NOUN
easat-5254	273	19	to	to	ADP
easat-5254	273	20	the	the	DET
easat-5254	273	21	technological	technological	ADJ
easat-5254	273	22	implementation	implementation	NOUN
easat-5254	273	23	of	of	ADP
easat-5254	273	24	risk	risk	NOUN
easat-5254	273	25	management	management	NOUN
easat-5254	273	26	methods	method	NOUN
easat-5254	273	27	.	.	PUNCT
easat-5254	274	1	future	future	ADJ
easat-5254	274	2	research	research	NOUN
easat-5254	274	3	could	could	AUX
easat-5254	274	4	expand	expand	VERB
easat-5254	274	5	the	the	DET
easat-5254	274	6	scope	scope	NOUN
easat-5254	274	7	of	of	ADP
easat-5254	274	8	this	this	DET
easat-5254	274	9	research	research	NOUN
easat-5254	274	10	by	by	ADP
easat-5254	274	11	investigating	investigate	VERB
easat-5254	274	12	the	the	DET
easat-5254	274	13	worldwide	worldwide	ADJ
easat-5254	274	14	applicability	applicability	NOUN
easat-5254	274	15	of	of	ADP
easat-5254	274	16	the	the	DET
easat-5254	274	17	findings	finding	NOUN
easat-5254	274	18	derived	derive	VERB
easat-5254	274	19	here	here	ADV
easat-5254	274	20	,	,	PUNCT
easat-5254	274	21	examining	examine	VERB
easat-5254	274	22	possible	possible	ADJ
easat-5254	274	23	spillover	spillover	NOUN
easat-5254	274	24	effects	effect	NOUN
easat-5254	274	25	on	on	ADP
easat-5254	274	26	other	other	ADJ
easat-5254	274	27	financial	financial	ADJ
easat-5254	274	28	institutions	institution	NOUN
easat-5254	274	29	,	,	PUNCT
easat-5254	274	30	and	and	CCONJ
easat-5254	274	31	evaluating	evaluate	VERB
easat-5254	274	32	the	the	DET
easat-5254	274	33	synergy	synergy	NOUN
easat-5254	274	34	between	between	ADP
easat-5254	274	35	sophisticated	sophisticated	ADJ
easat-5254	274	36	algorithms	algorithm	NOUN
easat-5254	274	37	and	and	CCONJ
easat-5254	274	38	human	human	ADJ
easat-5254	274	39	judgment	judgment	NOUN
easat-5254	274	40	in	in	ADP
easat-5254	274	41	risk	risk	NOUN
easat-5254	274	42	management	management	NOUN
easat-5254	274	43	practices	practice	NOUN
easat-5254	274	44	.	.	PUNCT
easat-5254	275	1	additionally	additionally	ADV
easat-5254	275	2	,	,	PUNCT
easat-5254	275	3	as	as	SCONJ
easat-5254	275	4	technology	technology	NOUN
easat-5254	275	5	continues	continue	VERB
easat-5254	275	6	to	to	PART
easat-5254	275	7	evolve	evolve	VERB
easat-5254	275	8	,	,	PUNCT
easat-5254	275	9	longitudinal	longitudinal	ADJ
easat-5254	275	10	research	research	NOUN
easat-5254	275	11	tracking	track	VERB
easat-5254	275	12	the	the	DET
easat-5254	275	13	changing	change	VERB
easat-5254	275	14	impact	impact	NOUN
easat-5254	275	15	of	of	ADP
easat-5254	275	16	incorporating	incorporate	VERB
easat-5254	275	17	artificial	artificial	ADJ
easat-5254	275	18	intelligence	intelligence	NOUN
easat-5254	275	19	in	in	ADP
easat-5254	275	20	risk	risk	NOUN
easat-5254	275	21	management	management	NOUN
easat-5254	275	22	practices	practice	NOUN
easat-5254	275	23	would	would	AUX
easat-5254	275	24	provide	provide	VERB
easat-5254	275	25	valuable	valuable	ADJ
easat-5254	275	26	information	information	NOUN
easat-5254	275	27	for	for	ADP
easat-5254	275	28	both	both	DET
easat-5254	275	29	scholars	scholar	NOUN
easat-5254	275	30	and	and	CCONJ
easat-5254	275	31	practitioners	practitioner	NOUN
easat-5254	275	32	in	in	ADP
easat-5254	275	33	the	the	DET
easat-5254	275	34	field	field	NOUN
easat-5254	275	35	.	.	PUNCT
easat-5254	276	1	transparency	transparency	NOUN
easat-5254	276	2	:	:	PUNCT
easat-5254	276	3	the	the	DET
easat-5254	276	4	authors	author	NOUN
easat-5254	276	5	confirm	confirm	VERB
easat-5254	276	6	that	that	SCONJ
easat-5254	276	7	the	the	DET
easat-5254	276	8	manuscript	manuscript	NOUN
easat-5254	276	9	is	be	AUX
easat-5254	276	10	an	an	DET
easat-5254	276	11	honest	honest	ADJ
easat-5254	276	12	,	,	PUNCT
easat-5254	276	13	accurate	accurate	ADJ
easat-5254	276	14	,	,	PUNCT
easat-5254	276	15	and	and	CCONJ
easat-5254	276	16	transparent	transparent	ADJ
easat-5254	276	17	account	account	NOUN
easat-5254	276	18	of	of	ADP
easat-5254	276	19	the	the	DET
easat-5254	276	20	study	study	NOUN
easat-5254	276	21	;	;	PUNCT
easat-5254	276	22	that	that	SCONJ
easat-5254	276	23	no	no	DET
easat-5254	276	24	vital	vital	ADJ
easat-5254	276	25	features	feature	NOUN
easat-5254	276	26	of	of	ADP
easat-5254	276	27	the	the	DET
easat-5254	276	28	study	study	NOUN
easat-5254	276	29	have	have	AUX
easat-5254	276	30	been	be	AUX
easat-5254	276	31	omitted	omit	VERB
easat-5254	276	32	;	;	PUNCT
easat-5254	276	33	and	and	CCONJ
easat-5254	276	34	that	that	SCONJ
easat-5254	276	35	any	any	DET
easat-5254	276	36	discrepancies	discrepancy	NOUN
easat-5254	276	37	from	from	ADP
easat-5254	276	38	the	the	DET
easat-5254	276	39	study	study	NOUN
easat-5254	276	40	as	as	SCONJ
easat-5254	276	41	planned	plan	VERB
easat-5254	276	42	have	have	AUX
easat-5254	276	43	been	be	AUX
easat-5254	276	44	explained	explain	VERB
easat-5254	276	45	.	.	PUNCT
easat-5254	277	1	this	this	DET
easat-5254	277	2	study	study	NOUN
easat-5254	277	3	followed	follow	VERB
easat-5254	277	4	all	all	DET
easat-5254	277	5	ethical	ethical	ADJ
easat-5254	277	6	practices	practice	NOUN
easat-5254	277	7	during	during	ADP
easat-5254	277	8	writing	writing	NOUN
easat-5254	277	9	.	.	PUNCT
easat-5254	278	1	copyright	copyright	NOUN
easat-5254	278	2	:	:	PUNCT
easat-5254	278	3	©	©	PROPN
easat-5254	278	4	2025	2025	NUM
easat-5254	278	5	by	by	ADP
easat-5254	278	6	the	the	DET
easat-5254	278	7	authors	author	NOUN
easat-5254	278	8	.	.	PUNCT
easat-5254	279	1	this	this	DET
easat-5254	279	2	open	open	ADJ
easat-5254	279	3	-	-	PUNCT
easat-5254	279	4	access	access	NOUN
easat-5254	279	5	article	article	NOUN
easat-5254	279	6	is	be	AUX
easat-5254	279	7	distributed	distribute	VERB
easat-5254	279	8	under	under	ADP
easat-5254	279	9	the	the	DET
easat-5254	279	10	terms	term	NOUN
easat-5254	279	11	and	and	CCONJ
easat-5254	279	12	conditions	condition	NOUN
easat-5254	279	13	of	of	ADP
easat-5254	279	14	the	the	DET
easat-5254	279	15	creative	creative	ADJ
easat-5254	279	16	commons	common	NOUN
easat-5254	279	17	attribution	attribution	NOUN
easat-5254	279	18	(	(	PUNCT
easat-5254	279	19	cc	cc	NOUN
easat-5254	279	20	by	by	ADP
easat-5254	279	21	)	)	PUNCT
easat-5254	279	22	license	license	NOUN
easat-5254	279	23	(	(	PUNCT
easat-5254	279	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-5254	279	25	)	)	PUNCT
easat-5254	279	26	.	.	PUNCT
easat-5254	280	1	references	reference	NOUN
easat-5254	280	2	[	[	X
easat-5254	280	3	1	1	X
easat-5254	280	4	]	]	X
easat-5254	280	5	d.	d.	PROPN
easat-5254	280	6	acemoglu	acemoglu	PROPN
easat-5254	280	7	,	,	PUNCT
easat-5254	280	8	v.	v.	ADP
easat-5254	280	9	m.	m.	PROPN
easat-5254	280	10	carvalho	carvalho	PROPN
easat-5254	280	11	,	,	PUNCT
easat-5254	280	12	a.	a.	NOUN
easat-5254	280	13	ozdaglar	ozdaglar	NOUN
easat-5254	280	14	,	,	PUNCT
easat-5254	280	15	and	and	CCONJ
easat-5254	280	16	a.	a.	NOUN
easat-5254	280	17	tahbaz‐salehi	tahbaz‐salehi	PROPN
easat-5254	280	18	,	,	PUNCT
easat-5254	280	19	"	"	PUNCT
easat-5254	280	20	the	the	DET
easat-5254	280	21	network	network	NOUN
easat-5254	280	22	origins	origin	NOUN
easat-5254	280	23	of	of	ADP
easat-5254	280	24	aggregate	aggregate	ADJ
easat-5254	280	25	fluctuations	fluctuation	NOUN
easat-5254	280	26	,	,	PUNCT
easat-5254	280	27	"	"	PUNCT
easat-5254	280	28	econometrica	econometrica	PROPN
easat-5254	280	29	,	,	PUNCT
easat-5254	280	30	vol	vol	NOUN
easat-5254	280	31	.	.	PROPN
easat-5254	280	32	80	80	NUM
easat-5254	280	33	,	,	PUNCT
easat-5254	280	34	no	no	INTJ
easat-5254	280	35	.	.	NOUN
easat-5254	280	36	5	5	NUM
easat-5254	280	37	,	,	PUNCT
easat-5254	280	38	pp	pp	ADJ
easat-5254	280	39	.	.	PUNCT
easat-5254	281	1	1977	1977	NUM
easat-5254	281	2	-	-	SYM
easat-5254	281	3	2016	2016	NUM
easat-5254	281	4	,	,	PUNCT
easat-5254	281	5	2012	2012	NUM
easat-5254	281	6	.	.	PUNCT
easat-5254	282	1	https://doi.org/10.3982/ecta9623	https://doi.org/10.3982/ecta9623	NOUN
easat-5254	283	1	[	[	X
easat-5254	283	2	2	2	X
easat-5254	283	3	]	]	PUNCT
easat-5254	283	4	k.	k.	PROPN
easat-5254	283	5	alexander	alexander	PROPN
easat-5254	283	6	,	,	PUNCT
easat-5254	283	7	"	"	PUNCT
easat-5254	283	8	corporate	corporate	ADJ
easat-5254	283	9	governance	governance	NOUN
easat-5254	283	10	and	and	CCONJ
easat-5254	283	11	banks	bank	NOUN
easat-5254	283	12	:	:	PUNCT
easat-5254	283	13	the	the	DET
easat-5254	283	14	role	role	NOUN
easat-5254	283	15	of	of	ADP
easat-5254	283	16	regulation	regulation	NOUN
easat-5254	283	17	in	in	ADP
easat-5254	283	18	reducing	reduce	VERB
easat-5254	283	19	the	the	DET
easat-5254	283	20	principal	principal	ADJ
easat-5254	283	21	-	-	PUNCT
easat-5254	283	22	agent	agent	NOUN
easat-5254	283	23	problem	problem	NOUN
easat-5254	283	24	,	,	PUNCT
easat-5254	283	25	"	"	PUNCT
easat-5254	283	26	journal	journal	NOUN
easat-5254	283	27	of	of	ADP
easat-5254	283	28	banking	banking	NOUN
easat-5254	283	29	regulation	regulation	NOUN
easat-5254	283	30	,	,	PUNCT
easat-5254	283	31	vol	vol	NOUN
easat-5254	283	32	.	.	PROPN
easat-5254	284	1	7	7	NUM
easat-5254	284	2	,	,	PUNCT
easat-5254	284	3	pp	pp	ADJ
easat-5254	284	4	.	.	PUNCT
easat-5254	285	1	17	17	NUM
easat-5254	285	2	-	-	SYM
easat-5254	285	3	40	40	NUM
easat-5254	285	4	,	,	PUNCT
easat-5254	285	5	2006	2006	NUM
easat-5254	285	6	.	.	PUNCT
easat-5254	286	1	https://doi.org/10.1057/palgrave.jbr.2340003	https://doi.org/10.1057/palgrave.jbr.2340003	PROPN
easat-5254	287	1	[	[	X
easat-5254	287	2	3	3	NUM
easat-5254	287	3	]	]	X
easat-5254	287	4	e.	e.	PROPN
easat-5254	287	5	i.	i.	PROPN
easat-5254	287	6	altman	altman	PROPN
easat-5254	287	7	,	,	PUNCT
easat-5254	287	8	g.	g.	PROPN
easat-5254	287	9	marco	marco	PROPN
easat-5254	287	10	,	,	PUNCT
easat-5254	287	11	and	and	CCONJ
easat-5254	287	12	f.	f.	PROPN
easat-5254	287	13	varetto	varetto	PROPN
easat-5254	287	14	,	,	PUNCT
easat-5254	287	15	"	"	PUNCT
easat-5254	287	16	corporate	corporate	ADJ
easat-5254	287	17	distress	distress	NOUN
easat-5254	287	18	diagnosis	diagnosis	NOUN
easat-5254	287	19	:	:	PUNCT
easat-5254	287	20	comparisons	comparison	NOUN
easat-5254	287	21	using	use	VERB
easat-5254	287	22	linear	linear	PROPN
easat-5254	287	23	discriminant	discriminant	ADJ
easat-5254	287	24	analysis	analysis	NOUN
easat-5254	287	25	and	and	CCONJ
easat-5254	287	26	neural	neural	ADJ
easat-5254	287	27	networks	network	NOUN
easat-5254	287	28	(	(	PUNCT
easat-5254	287	29	the	the	DET
easat-5254	287	30	italian	italian	ADJ
easat-5254	287	31	experience	experience	NOUN
easat-5254	287	32	)	)	PUNCT
easat-5254	287	33	,	,	PUNCT
easat-5254	287	34	"	"	PUNCT
easat-5254	287	35	journal	journal	NOUN
easat-5254	287	36	of	of	ADP
easat-5254	287	37	banking	banking	NOUN
easat-5254	287	38	&	&	CCONJ
easat-5254	287	39	finance	finance	PROPN
easat-5254	287	40	,	,	PUNCT
easat-5254	287	41	vol	vol	NOUN
easat-5254	287	42	.	.	PROPN
easat-5254	287	43	18	18	NUM
easat-5254	287	44	,	,	PUNCT
easat-5254	287	45	no	no	INTJ
easat-5254	287	46	.	.	NOUN
easat-5254	287	47	3	3	NUM
easat-5254	287	48	,	,	PUNCT
easat-5254	287	49	pp	pp	ADJ
easat-5254	287	50	.	.	PUNCT
easat-5254	288	1	505	505	NUM
easat-5254	288	2	-	-	SYM
easat-5254	288	3	529	529	NUM
easat-5254	288	4	,	,	PUNCT
easat-5254	288	5	1994	1994	NUM
easat-5254	288	6	.	.	PUNCT
easat-5254	289	1	https://doi.org/10.1016/0378-4266(94)90007-8	https://doi.org/10.1016/0378-4266(94)90007-8	ADJ
easat-5254	289	2	[	[	X
easat-5254	289	3	4	4	NUM
easat-5254	289	4	]	]	X
easat-5254	289	5	i.	i.	PROPN
easat-5254	289	6	andrews	andrews	PROPN
easat-5254	289	7	,	,	PUNCT
easat-5254	289	8	j.	j.	PROPN
easat-5254	289	9	h.	h.	PROPN
easat-5254	289	10	stock	stock	PROPN
easat-5254	289	11	,	,	PUNCT
easat-5254	289	12	and	and	CCONJ
easat-5254	289	13	l.	l.	PROPN
easat-5254	289	14	sun	sun	PROPN
easat-5254	289	15	,	,	PUNCT
easat-5254	289	16	"	"	PUNCT
easat-5254	289	17	weak	weak	ADJ
easat-5254	289	18	instruments	instrument	NOUN
easat-5254	289	19	in	in	ADP
easat-5254	289	20	instrumental	instrumental	ADJ
easat-5254	289	21	variables	variable	NOUN
easat-5254	289	22	regression	regression	NOUN
easat-5254	289	23	:	:	PUNCT
easat-5254	289	24	theory	theory	NOUN
easat-5254	289	25	and	and	CCONJ
easat-5254	289	26	practice	practice	NOUN
easat-5254	289	27	,	,	PUNCT
easat-5254	289	28	"	"	PUNCT
easat-5254	289	29	annual	annual	ADJ
easat-5254	289	30	review	review	NOUN
easat-5254	289	31	of	of	ADP
easat-5254	289	32	economics	economic	NOUN
easat-5254	289	33	,	,	PUNCT
easat-5254	289	34	vol	vol	NOUN
easat-5254	289	35	.	.	PROPN
easat-5254	289	36	11	11	NUM
easat-5254	289	37	,	,	PUNCT
easat-5254	289	38	no	no	INTJ
easat-5254	289	39	.	.	NOUN
easat-5254	289	40	1	1	NUM
easat-5254	289	41	,	,	PUNCT
easat-5254	289	42	pp	pp	ADJ
easat-5254	289	43	.	.	PUNCT
easat-5254	290	1	727	727	NUM
easat-5254	290	2	-	-	SYM
easat-5254	290	3	753	753	NUM
easat-5254	290	4	,	,	PUNCT
easat-5254	290	5	2019	2019	NUM
easat-5254	290	6	.	.	PUNCT
easat-5254	291	1	https://doi.org/10.1146/annurev-economics-080218025643	https://doi.org/10.1146/annurev-economics-080218025643	NOUN
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easat-5254	291	3	5	5	NUM
easat-5254	291	4	]	]	PUNCT
easat-5254	291	5	g.	g.	PROPN
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easat-5254	291	7	,	,	PUNCT
easat-5254	291	8	i.	i.	PROPN
easat-5254	291	9	shkodina	shkodina	PROPN
easat-5254	291	10	,	,	PUNCT
easat-5254	291	11	b.	b.	PROPN
easat-5254	291	12	samorodov	samorodov	PROPN
easat-5254	291	13	,	,	PUNCT
easat-5254	291	14	and	and	CCONJ
easat-5254	291	15	m.	m.	NOUN
easat-5254	291	16	babenko	babenko	PROPN
easat-5254	291	17	,	,	PUNCT
easat-5254	291	18	"	"	PUNCT
easat-5254	291	19	the	the	DET
easat-5254	291	20	influence	influence	NOUN
easat-5254	291	21	of	of	ADP
easat-5254	291	22	financial	financial	ADJ
easat-5254	291	23	technologies	technology	NOUN
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easat-5254	291	25	the	the	DET
easat-5254	291	26	global	global	ADJ
easat-5254	291	27	financial	financial	ADJ
easat-5254	291	28	system	system	NOUN
easat-5254	291	29	stability	stability	NOUN
easat-5254	291	30	,	,	PUNCT
easat-5254	291	31	"	"	PUNCT
easat-5254	291	32	investment	investment	NOUN
easat-5254	291	33	management	management	NOUN
easat-5254	291	34	&	&	CCONJ
easat-5254	291	35	financial	financial	ADJ
easat-5254	291	36	innovations	innovation	NOUN
easat-5254	291	37	,	,	PUNCT
easat-5254	291	38	vol	vol	NOUN
easat-5254	291	39	.	.	PROPN
easat-5254	291	40	15	15	NUM
easat-5254	291	41	,	,	PUNCT
easat-5254	291	42	no	no	INTJ
easat-5254	291	43	.	.	NOUN
easat-5254	291	44	4	4	NUM
easat-5254	291	45	,	,	PUNCT
easat-5254	291	46	p.	p.	NOUN
easat-5254	291	47	229	229	NUM
easat-5254	291	48	,	,	PUNCT
easat-5254	291	49	2018	2018	NUM
easat-5254	291	50	.	.	PUNCT
easat-5254	292	1	https://doi.org/10.21511/imfi.15(4).2018.19	https://doi.org/10.21511/imfi.15(4).2018.19	NOUN
easat-5254	293	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
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easat-5254	293	4	https://doi.org/10.1016/0378-4266(94)90007-8	https://doi.org/10.1016/0378-4266(94)90007-8	PROPN
easat-5254	293	5	https://doi.org/10.1146/annurev-economics-080218-025643	https://doi.org/10.1146/annurev-economics-080218-025643	PROPN
easat-5254	293	6	https://doi.org/10.1146/annurev-economics-080218-025643	https://doi.org/10.1146/annurev-economics-080218-025643	PROPN
easat-5254	293	7	https://doi.org/10.21511/imfi.15(4).2018.19	https://doi.org/10.21511/imfi.15(4).2018.19	NOUN
easat-5254	293	8	566	566	NUM
easat-5254	293	9	edelweiss	edelweiss	PROPN
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easat-5254	293	14	issn	issn	PROPN
easat-5254	293	15	:	:	PUNCT
easat-5254	293	16	2576	2576	NUM
easat-5254	293	17	-	-	SYM
easat-5254	293	18	8484	8484	NUM
easat-5254	293	19	vol	vol	NOUN
easat-5254	293	20	.	.	PROPN
easat-5254	294	1	9	9	NUM
easat-5254	294	2	,	,	PUNCT
easat-5254	294	3	no	no	INTJ
easat-5254	294	4	.	.	NOUN
easat-5254	295	1	3	3	NUM
easat-5254	295	2	:	:	PUNCT
easat-5254	295	3	553	553	NUM
easat-5254	295	4	-	-	SYM
easat-5254	295	5	567	567	NUM
easat-5254	295	6	,	,	PUNCT
easat-5254	295	7	2025	2025	NUM
easat-5254	295	8	doi	doi	NOUN
easat-5254	295	9	:	:	PUNCT
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easat-5254	295	19	gate	gate	NOUN
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easat-5254	296	2	6	6	NUM
easat-5254	296	3	]	]	PUNCT
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easat-5254	296	5	t.	t.	PROPN
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easat-5254	296	7	,	,	PUNCT
easat-5254	296	8	á	á	PROPN
easat-5254	296	9	.	.	PUNCT
easat-5254	296	10	díaz	díaz	PROPN
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easat-5254	296	12	chao	chao	PROPN
easat-5254	296	13	,	,	PUNCT
easat-5254	296	14	j.	j.	PROPN
easat-5254	296	15	sainz	sainz	PROPN
easat-5254	296	16	,	,	PUNCT
easat-5254	296	17	and	and	CCONJ
easat-5254	296	18	j.	j.	PROPN
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easat-5254	296	20	-	-	PUNCT
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easat-5254	296	24	knowledge	knowledge	NOUN
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easat-5254	296	27	and	and	CCONJ
easat-5254	296	28	productivity	productivity	NOUN
easat-5254	296	29	in	in	ADP
easat-5254	296	30	smes	sme	NOUN
easat-5254	296	31	:	:	PUNCT
easat-5254	296	32	explaining	explain	VERB
easat-5254	296	33	the	the	DET
easat-5254	296	34	second	second	ADJ
easat-5254	296	35	digital	digital	ADJ
easat-5254	296	36	wave	wave	NOUN
easat-5254	296	37	,	,	PUNCT
easat-5254	296	38	"	"	PUNCT
easat-5254	296	39	journal	journal	NOUN
easat-5254	296	40	of	of	ADP
easat-5254	296	41	business	business	NOUN
easat-5254	296	42	research	research	NOUN
easat-5254	296	43	,	,	PUNCT
easat-5254	296	44	vol	vol	NOUN
easat-5254	296	45	.	.	PROPN
easat-5254	296	46	108	108	NUM
easat-5254	296	47	,	,	PUNCT
easat-5254	296	48	pp	pp	ADJ
easat-5254	296	49	.	.	PUNCT
easat-5254	297	1	119	119	NUM
easat-5254	297	2	-	-	SYM
easat-5254	297	3	131	131	NUM
easat-5254	297	4	,	,	PUNCT
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easat-5254	297	6	.	.	PUNCT
easat-5254	298	1	https://doi.org/10.1016/j.jbusres.2019.11.020	https://doi.org/10.1016/j.jbusres.2019.11.020	NOUN
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easat-5254	298	3	7	7	NUM
easat-5254	298	4	]	]	PUNCT
easat-5254	298	5	m.	m.	NOUN
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easat-5254	298	7	,	,	PUNCT
easat-5254	298	8	m.	m.	NOUN
easat-5254	298	9	getmansky	getmansky	PROPN
easat-5254	298	10	,	,	PUNCT
easat-5254	298	11	a.	a.	PROPN
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easat-5254	298	13	lo	lo	PROPN
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easat-5254	298	16	l.	l.	PROPN
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easat-5254	298	18	,	,	PUNCT
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easat-5254	298	30	and	and	CCONJ
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easat-5254	298	32	sectors	sector	NOUN
easat-5254	298	33	,	,	PUNCT
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easat-5254	298	37	financial	financial	ADJ
easat-5254	298	38	economics	economic	NOUN
easat-5254	298	39	,	,	PUNCT
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easat-5254	298	41	.	.	PROPN
easat-5254	299	1	104	104	NUM
easat-5254	299	2	,	,	PUNCT
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easat-5254	299	5	3	3	NUM
easat-5254	299	6	,	,	PUNCT
easat-5254	299	7	pp	pp	ADJ
easat-5254	299	8	.	.	PUNCT
easat-5254	300	1	535	535	NUM
easat-5254	300	2	-	-	SYM
easat-5254	300	3	559	559	NUM
easat-5254	300	4	,	,	PUNCT
easat-5254	300	5	2012	2012	NUM
easat-5254	300	6	.	.	PUNCT
easat-5254	301	1	https://doi.org/10.1016/j.jfineco.2011.12.010	https://doi.org/10.1016/j.jfineco.2011.12.010	NOUN
easat-5254	301	2	[	[	X
easat-5254	301	3	8	8	NUM
easat-5254	301	4	]	]	X
easat-5254	301	5	l.	l.	PROPN
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easat-5254	301	7	,	,	PUNCT
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easat-5254	301	16	,	,	PUNCT
easat-5254	301	17	and	and	CCONJ
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easat-5254	302	1	55	55	NUM
easat-5254	302	2	,	,	PUNCT
easat-5254	302	3	no	no	INTJ
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easat-5254	302	5	3	3	NUM
easat-5254	302	6	,	,	PUNCT
easat-5254	302	7	pp	pp	ADJ
easat-5254	302	8	.	.	PUNCT
easat-5254	303	1	1	1	NUM
easat-5254	303	2	-	-	SYM
easat-5254	303	3	38	38	NUM
easat-5254	303	4	,	,	PUNCT
easat-5254	303	5	2023	2023	NUM
easat-5254	303	6	.	.	PUNCT
easat-5254	304	1	https://doi.org/10.1145/3502289	https://doi.org/10.1145/3502289	ADJ
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easat-5254	305	2	9	9	X
easat-5254	305	3	]	]	PUNCT
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easat-5254	305	30	(	(	PUNCT
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easat-5254	305	38	and	and	CCONJ
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easat-5254	305	41	,	,	PUNCT
easat-5254	305	42	vol	vol	NOUN
easat-5254	305	43	.	.	PROPN
easat-5254	305	44	174	174	NUM
easat-5254	305	45	,	,	PUNCT
easat-5254	305	46	p.	p.	NOUN
easat-5254	305	47	121191	121191	NUM
easat-5254	305	48	,	,	PUNCT
easat-5254	305	49	2022	2022	NUM
easat-5254	305	50	.	.	PUNCT
easat-5254	306	1	https://doi.org/10.1016/j.techfore.2021.121191	https://doi.org/10.1016/j.techfore.2021.121191	PROPN
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easat-5254	307	2	10	10	NUM
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easat-5254	307	18	and	and	CCONJ
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easat-5254	307	20	risk	risk	NOUN
easat-5254	307	21	,	,	PUNCT
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easat-5254	307	30	.	.	PROPN
easat-5254	308	1	33	33	NUM
easat-5254	308	2	,	,	PUNCT
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easat-5254	308	4	.	.	NOUN
easat-5254	308	5	10	10	NUM
easat-5254	308	6	,	,	PUNCT
easat-5254	308	7	pp	pp	ADJ
easat-5254	308	8	.	.	PUNCT
easat-5254	308	9	4811	4811	NUM
easat-5254	308	10	-	-	SYM
easat-5254	308	11	4838	4838	NUM
easat-5254	308	12	,	,	PUNCT
easat-5254	308	13	2020	2020	NUM
easat-5254	308	14	.	.	PUNCT
easat-5254	309	1	https://doi.org/10.1093/rfs/hhz148	https://doi.org/10.1093/rfs/hhz148	PROPN
easat-5254	309	2	[	[	PUNCT
easat-5254	309	3	11	11	NUM
easat-5254	309	4	]	]	PUNCT
easat-5254	309	5	m.	m.	NOUN
easat-5254	309	6	dungey	dungey	PROPN
easat-5254	309	7	,	,	PUNCT
easat-5254	309	8	t.	t.	PROPN
easat-5254	309	9	flavin	flavin	NOUN
easat-5254	309	10	,	,	PUNCT
easat-5254	309	11	t.	t.	PROPN
easat-5254	309	12	o'connor	o'connor	PROPN
easat-5254	309	13	,	,	PUNCT
easat-5254	309	14	and	and	CCONJ
easat-5254	309	15	m.	m.	NOUN
easat-5254	309	16	wosser	wosser	PROPN
easat-5254	309	17	,	,	PUNCT
easat-5254	309	18	"	"	PUNCT
easat-5254	309	19	non	non	ADJ
easat-5254	309	20	-	-	ADJ
easat-5254	309	21	financial	financial	ADJ
easat-5254	309	22	corporations	corporation	NOUN
easat-5254	309	23	and	and	CCONJ
easat-5254	309	24	systemic	systemic	ADJ
easat-5254	309	25	risk	risk	NOUN
easat-5254	309	26	,	,	PUNCT
easat-5254	309	27	"	"	PUNCT
easat-5254	309	28	journal	journal	NOUN
easat-5254	309	29	of	of	ADP
easat-5254	309	30	corporate	corporate	ADJ
easat-5254	309	31	finance	finance	NOUN
easat-5254	309	32	,	,	PUNCT
easat-5254	309	33	vol	vol	NOUN
easat-5254	309	34	.	.	PROPN
easat-5254	309	35	72	72	NUM
easat-5254	309	36	,	,	PUNCT
easat-5254	309	37	p.	p.	NOUN
easat-5254	309	38	102129	102129	NUM
easat-5254	309	39	,	,	PUNCT
easat-5254	309	40	2022	2022	NUM
easat-5254	309	41	.	.	PUNCT
easat-5254	310	1	https://doi.org/10.1016/j.jcorpfin.2021.102129	https://doi.org/10.1016/j.jcorpfin.2021.102129	PROPN
easat-5254	311	1	[	[	X
easat-5254	311	2	12	12	NUM
easat-5254	311	3	]	]	PUNCT
easat-5254	311	4	a.	a.	NOUN
easat-5254	311	5	ellul	ellul	NOUN
easat-5254	311	6	and	and	CCONJ
easat-5254	311	7	v.	v.	ADP
easat-5254	311	8	yerramilli	yerramilli	NOUN
easat-5254	311	9	,	,	PUNCT
easat-5254	311	10	"	"	PUNCT
easat-5254	311	11	stronger	strong	ADJ
easat-5254	311	12	risk	risk	NOUN
easat-5254	311	13	controls	control	NOUN
easat-5254	311	14	,	,	PUNCT
easat-5254	311	15	lower	low	ADJ
easat-5254	311	16	risk	risk	NOUN
easat-5254	311	17	:	:	PUNCT
easat-5254	311	18	evidence	evidence	NOUN
easat-5254	311	19	from	from	ADP
easat-5254	311	20	us	us	PROPN
easat-5254	311	21	bank	bank	NOUN
easat-5254	311	22	holding	hold	VERB
easat-5254	311	23	companies	company	NOUN
easat-5254	311	24	,	,	PUNCT
easat-5254	311	25	"	"	PUNCT
easat-5254	311	26	the	the	DET
easat-5254	311	27	journal	journal	NOUN
easat-5254	311	28	of	of	ADP
easat-5254	311	29	finance	finance	NOUN
easat-5254	311	30	,	,	PUNCT
easat-5254	311	31	vol	vol	NOUN
easat-5254	311	32	.	.	PROPN
easat-5254	312	1	68	68	NUM
easat-5254	312	2	,	,	PUNCT
easat-5254	312	3	no	no	INTJ
easat-5254	312	4	.	.	NOUN
easat-5254	312	5	5	5	NUM
easat-5254	312	6	,	,	PUNCT
easat-5254	312	7	pp	pp	ADJ
easat-5254	312	8	.	.	PUNCT
easat-5254	312	9	1757	1757	NUM
easat-5254	312	10	-	-	SYM
easat-5254	312	11	1803	1803	NUM
easat-5254	312	12	,	,	PUNCT
easat-5254	312	13	2013	2013	NUM
easat-5254	312	14	.	.	PUNCT
easat-5254	313	1	https://doi.org/10.1111/jofi.12057	https://doi.org/10.1111/jofi.12057	VERB
easat-5254	314	1	[	[	X
easat-5254	314	2	13	13	NUM
easat-5254	314	3	]	]	PUNCT
easat-5254	314	4	e.	e.	PROPN
easat-5254	314	5	brynjolfsson	brynjolfsson	PROPN
easat-5254	314	6	,	,	PUNCT
easat-5254	314	7	d.	d.	PROPN
easat-5254	314	8	rock	rock	PROPN
easat-5254	314	9	,	,	PUNCT
easat-5254	314	10	and	and	CCONJ
easat-5254	314	11	c.	c.	PROPN
easat-5254	314	12	syverson	syverson	PROPN
easat-5254	314	13	,	,	PUNCT
easat-5254	314	14	"	"	PUNCT
easat-5254	314	15	artificial	artificial	ADJ
easat-5254	314	16	intelligence	intelligence	NOUN
easat-5254	314	17	and	and	CCONJ
easat-5254	314	18	the	the	DET
easat-5254	314	19	modern	modern	ADJ
easat-5254	314	20	productivity	productivity	NOUN
easat-5254	314	21	paradox	paradox	NOUN
easat-5254	314	22	,	,	PUNCT
easat-5254	314	23	"	"	PUNCT
easat-5254	314	24	the	the	DET
easat-5254	314	25	economics	economic	NOUN
easat-5254	314	26	of	of	ADP
easat-5254	314	27	artificial	artificial	ADJ
easat-5254	314	28	intelligence	intelligence	NOUN
easat-5254	314	29	:	:	PUNCT
easat-5254	314	30	an	an	DET
easat-5254	314	31	agenda	agenda	NOUN
easat-5254	314	32	,	,	PUNCT
easat-5254	314	33	vol	vol	NOUN
easat-5254	314	34	.	.	PROPN
easat-5254	314	35	23	23	NUM
easat-5254	314	36	,	,	PUNCT
easat-5254	314	37	no	no	INTJ
easat-5254	314	38	.	.	NOUN
easat-5254	314	39	2019	2019	NUM
easat-5254	314	40	,	,	PUNCT
easat-5254	314	41	pp	pp	ADJ
easat-5254	314	42	.	.	PUNCT
easat-5254	315	1	23	23	NUM
easat-5254	315	2	-	-	SYM
easat-5254	315	3	57	57	NUM
easat-5254	315	4	,	,	PUNCT
easat-5254	315	5	2019	2019	NUM
easat-5254	315	6	.	.	PUNCT
easat-5254	316	1	https://doi.org/10.7208/chicago/9780226613475.003.0001	https://doi.org/10.7208/chicago/9780226613475.003.0001	X
easat-5254	317	1	[	[	X
easat-5254	317	2	14	14	NUM
easat-5254	317	3	]	]	PUNCT
easat-5254	317	4	a.	a.	NOUN
easat-5254	317	5	fernández	fernández	PROPN
easat-5254	317	6	,	,	PUNCT
easat-5254	317	7	"	"	PUNCT
easat-5254	317	8	artificial	artificial	ADJ
easat-5254	317	9	intelligence	intelligence	NOUN
easat-5254	317	10	in	in	ADP
easat-5254	317	11	financial	financial	ADJ
easat-5254	317	12	services	service	NOUN
easat-5254	317	13	,	,	PUNCT
easat-5254	317	14	"	"	PUNCT
easat-5254	317	15	banco	banco	PROPN
easat-5254	317	16	de	de	X
easat-5254	317	17	españa	españa	PROPN
easat-5254	317	18	economic	economic	ADJ
easat-5254	317	19	bulletin	bulletin	NOUN
easat-5254	317	20	,	,	PUNCT
easat-5254	317	21	vol	vol	NOUN
easat-5254	317	22	.	.	PROPN
easat-5254	317	23	2	2	NUM
easat-5254	317	24	,	,	PUNCT
easat-5254	317	25	pp	pp	PROPN
easat-5254	317	26	.	.	PUNCT
easat-5254	318	1	1–16	1–16	NOUN
easat-5254	318	2	,	,	PUNCT
easat-5254	318	3	2019	2019	NUM
easat-5254	318	4	.	.	PUNCT
easat-5254	319	1	https://doi.org/10.2139/ssrn.3366846	https://doi.org/10.2139/ssrn.3366846	NOUN
easat-5254	319	2	[	[	X
easat-5254	319	3	15	15	NUM
easat-5254	319	4	]	]	PUNCT
easat-5254	319	5	m.	m.	NOUN
easat-5254	319	6	festić	festić	NOUN
easat-5254	319	7	,	,	PUNCT
easat-5254	319	8	a.	a.	NOUN
easat-5254	319	9	kavkler	kavkler	NOUN
easat-5254	319	10	,	,	PUNCT
easat-5254	319	11	and	and	CCONJ
easat-5254	319	12	s.	s.	PROPN
easat-5254	319	13	repina	repina	PROPN
easat-5254	319	14	,	,	PUNCT
easat-5254	319	15	"	"	PUNCT
easat-5254	319	16	the	the	DET
easat-5254	319	17	macroeconomic	macroeconomic	ADJ
easat-5254	319	18	sources	source	NOUN
easat-5254	319	19	of	of	ADP
easat-5254	319	20	systemic	systemic	ADJ
easat-5254	319	21	risk	risk	NOUN
easat-5254	319	22	in	in	ADP
easat-5254	319	23	the	the	DET
easat-5254	319	24	banking	banking	NOUN
easat-5254	319	25	sectors	sector	NOUN
easat-5254	319	26	of	of	ADP
easat-5254	319	27	five	five	NUM
easat-5254	319	28	new	new	ADJ
easat-5254	319	29	eu	eu	PROPN
easat-5254	319	30	member	member	NOUN
easat-5254	319	31	states	state	NOUN
easat-5254	319	32	,	,	PUNCT
easat-5254	319	33	"	"	PUNCT
easat-5254	319	34	journal	journal	NOUN
easat-5254	319	35	of	of	ADP
easat-5254	319	36	banking	banking	NOUN
easat-5254	319	37	&	&	CCONJ
easat-5254	319	38	finance	finance	PROPN
easat-5254	319	39	,	,	PUNCT
easat-5254	319	40	vol	vol	NOUN
easat-5254	319	41	.	.	PROPN
easat-5254	319	42	35	35	NUM
easat-5254	319	43	,	,	PUNCT
easat-5254	319	44	no	no	INTJ
easat-5254	319	45	.	.	NOUN
easat-5254	319	46	2	2	NUM
easat-5254	319	47	,	,	PUNCT
easat-5254	319	48	pp	pp	ADJ
easat-5254	319	49	.	.	PUNCT
easat-5254	320	1	310	310	NUM
easat-5254	320	2	-	-	SYM
easat-5254	320	3	322	322	NUM
easat-5254	320	4	,	,	PUNCT
easat-5254	320	5	2011	2011	NUM
easat-5254	320	6	.	.	PUNCT
easat-5254	321	1	https://doi.org/10.1016/j.jbankfin.2010.08.007	https://doi.org/10.1016/j.jbankfin.2010.08.007	VERB
easat-5254	321	2	[	[	X
easat-5254	321	3	16	16	NUM
easat-5254	321	4	]	]	PUNCT
easat-5254	321	5	r.	r.	PROPN
easat-5254	321	6	j.	j.	PROPN
easat-5254	321	7	funk	funk	PROPN
easat-5254	321	8	and	and	CCONJ
easat-5254	321	9	d.	d.	PROPN
easat-5254	321	10	hirschman	hirschman	NOUN
easat-5254	321	11	,	,	PUNCT
easat-5254	321	12	"	"	PUNCT
easat-5254	321	13	derivatives	derivative	NOUN
easat-5254	321	14	and	and	CCONJ
easat-5254	321	15	deregulation	deregulation	NOUN
easat-5254	321	16	:	:	PUNCT
easat-5254	321	17	financial	financial	ADJ
easat-5254	321	18	innovation	innovation	NOUN
easat-5254	321	19	and	and	CCONJ
easat-5254	321	20	the	the	DET
easat-5254	321	21	demise	demise	NOUN
easat-5254	321	22	of	of	ADP
easat-5254	321	23	glass	glass	NOUN
easat-5254	321	24	–	–	PUNCT
easat-5254	321	25	steagall	steagall	NOUN
easat-5254	321	26	,	,	PUNCT
easat-5254	321	27	"	"	PUNCT
easat-5254	321	28	administrative	administrative	ADJ
easat-5254	321	29	science	science	NOUN
easat-5254	321	30	quarterly	quarterly	ADJ
easat-5254	321	31	,	,	PUNCT
easat-5254	321	32	vol	vol	NOUN
easat-5254	321	33	.	.	PROPN
easat-5254	321	34	59	59	NUM
easat-5254	321	35	,	,	PUNCT
easat-5254	321	36	no	no	INTJ
easat-5254	321	37	.	.	NOUN
easat-5254	321	38	4	4	NUM
easat-5254	321	39	,	,	PUNCT
easat-5254	321	40	pp	pp	ADJ
easat-5254	321	41	.	.	PUNCT
easat-5254	322	1	669	669	NUM
easat-5254	322	2	-	-	SYM
easat-5254	322	3	704	704	NUM
easat-5254	322	4	,	,	PUNCT
easat-5254	322	5	2014	2014	NUM
easat-5254	322	6	.	.	PUNCT
easat-5254	323	1	https://doi.org/10.1177/0001839214526755	https://doi.org/10.1177/0001839214526755	PART
easat-5254	324	1	[	[	X
easat-5254	324	2	17	17	NUM
easat-5254	324	3	]	]	X
easat-5254	324	4	n.	n.	PROPN
easat-5254	324	5	gennaioli	gennaioli	PROPN
easat-5254	324	6	,	,	PUNCT
easat-5254	324	7	a.	a.	NOUN
easat-5254	324	8	shleifer	shleifer	NOUN
easat-5254	324	9	,	,	PUNCT
easat-5254	324	10	and	and	CCONJ
easat-5254	324	11	r.	r.	PROPN
easat-5254	324	12	w.	w.	PROPN
easat-5254	324	13	vishny	vishny	PROPN
easat-5254	324	14	,	,	PUNCT
easat-5254	324	15	"	"	PUNCT
easat-5254	324	16	a	a	DET
easat-5254	324	17	model	model	NOUN
easat-5254	324	18	of	of	ADP
easat-5254	324	19	shadow	shadow	PROPN
easat-5254	324	20	banking	banking	NOUN
easat-5254	324	21	,	,	PUNCT
easat-5254	324	22	"	"	PUNCT
easat-5254	324	23	the	the	DET
easat-5254	324	24	journal	journal	NOUN
easat-5254	324	25	of	of	ADP
easat-5254	324	26	finance	finance	NOUN
easat-5254	324	27	,	,	PUNCT
easat-5254	324	28	vol	vol	NOUN
easat-5254	324	29	.	.	PROPN
easat-5254	325	1	68	68	NUM
easat-5254	325	2	,	,	PUNCT
easat-5254	325	3	no	no	INTJ
easat-5254	325	4	.	.	NOUN
easat-5254	325	5	4	4	NUM
easat-5254	325	6	,	,	PUNCT
easat-5254	325	7	pp	pp	ADJ
easat-5254	325	8	.	.	PUNCT
easat-5254	326	1	1331	1331	NUM
easat-5254	326	2	-	-	SYM
easat-5254	326	3	1363	1363	NUM
easat-5254	326	4	,	,	PUNCT
easat-5254	326	5	2013	2013	NUM
easat-5254	326	6	.	.	PUNCT
easat-5254	327	1	[	[	X
easat-5254	327	2	18	18	NUM
easat-5254	327	3	]	]	PUNCT
easat-5254	327	4	p.	p.	NOUN
easat-5254	327	5	giudici	giudici	NOUN
easat-5254	327	6	,	,	PUNCT
easat-5254	327	7	"	"	PUNCT
easat-5254	327	8	fintech	fintech	NOUN
easat-5254	327	9	risk	risk	NOUN
easat-5254	327	10	management	management	NOUN
easat-5254	327	11	:	:	PUNCT
easat-5254	327	12	a	a	DET
easat-5254	327	13	research	research	NOUN
easat-5254	327	14	challenge	challenge	NOUN
easat-5254	327	15	for	for	ADP
easat-5254	327	16	artificial	artificial	ADJ
easat-5254	327	17	intelligence	intelligence	NOUN
easat-5254	327	18	in	in	ADP
easat-5254	327	19	finance	finance	NOUN
easat-5254	327	20	,	,	PUNCT
easat-5254	327	21	"	"	PUNCT
easat-5254	327	22	frontiers	frontier	NOUN
easat-5254	327	23	in	in	ADP
easat-5254	327	24	artificial	artificial	ADJ
easat-5254	327	25	intelligence	intelligence	NOUN
easat-5254	327	26	,	,	PUNCT
easat-5254	327	27	vol	vol	NOUN
easat-5254	327	28	.	.	PROPN
easat-5254	327	29	1	1	NUM
easat-5254	327	30	,	,	PUNCT
easat-5254	327	31	p.	p.	NOUN
easat-5254	327	32	1	1	NUM
easat-5254	327	33	,	,	PUNCT
easat-5254	327	34	2018	2018	NUM
easat-5254	327	35	.	.	PUNCT
easat-5254	328	1	https://doi.org/10.3389/frai.2018.00001	https://doi.org/10.3389/frai.2018.00001	PROPN
easat-5254	329	1	[	[	X
easat-5254	329	2	19	19	NUM
easat-5254	329	3	]	]	PUNCT
easat-5254	329	4	l.	l.	PROPN
easat-5254	329	5	r.	r.	PROPN
easat-5254	329	6	glosten	glosten	PROPN
easat-5254	329	7	,	,	PUNCT
easat-5254	329	8	r.	r.	PROPN
easat-5254	329	9	jagannathan	jagannathan	PROPN
easat-5254	329	10	,	,	PUNCT
easat-5254	329	11	and	and	CCONJ
easat-5254	329	12	d.	d.	PROPN
easat-5254	329	13	e.	e.	PROPN
easat-5254	329	14	runkle	runkle	PROPN
easat-5254	329	15	,	,	PUNCT
easat-5254	329	16	"	"	PUNCT
easat-5254	329	17	on	on	ADP
easat-5254	329	18	the	the	DET
easat-5254	329	19	relation	relation	NOUN
easat-5254	329	20	between	between	ADP
easat-5254	329	21	the	the	DET
easat-5254	329	22	expected	expect	VERB
easat-5254	329	23	value	value	NOUN
easat-5254	329	24	and	and	CCONJ
easat-5254	329	25	the	the	DET
easat-5254	329	26	volatility	volatility	NOUN
easat-5254	329	27	of	of	ADP
easat-5254	329	28	the	the	DET
easat-5254	329	29	nominal	nominal	ADJ
easat-5254	329	30	excess	excess	ADJ
easat-5254	329	31	return	return	NOUN
easat-5254	329	32	on	on	ADP
easat-5254	329	33	stocks	stock	NOUN
easat-5254	329	34	,	,	PUNCT
easat-5254	329	35	"	"	PUNCT
easat-5254	329	36	the	the	DET
easat-5254	329	37	journal	journal	NOUN
easat-5254	329	38	of	of	ADP
easat-5254	329	39	finance	finance	NOUN
easat-5254	329	40	,	,	PUNCT
easat-5254	329	41	vol	vol	NOUN
easat-5254	329	42	.	.	PROPN
easat-5254	329	43	48	48	NUM
easat-5254	329	44	,	,	PUNCT
easat-5254	329	45	no	no	INTJ
easat-5254	329	46	.	.	NOUN
easat-5254	329	47	5	5	NUM
easat-5254	329	48	,	,	PUNCT
easat-5254	329	49	pp	pp	ADJ
easat-5254	329	50	.	.	PUNCT
easat-5254	330	1	1779	1779	NUM
easat-5254	330	2	-	-	SYM
easat-5254	330	3	1801	1801	NUM
easat-5254	330	4	,	,	PUNCT
easat-5254	330	5	1993	1993	NUM
easat-5254	330	6	.	.	PUNCT
easat-5254	331	1	https://doi.org/10.1111/j.1540-6261.1993.tb05128.x	https://doi.org/10.1111/j.1540-6261.1993.tb05128.x	NOUN
easat-5254	332	1	[	[	X
easat-5254	332	2	20	20	NUM
easat-5254	332	3	]	]	X
easat-5254	332	4	g.	g.	PROPN
easat-5254	332	5	graetz	graetz	PROPN
easat-5254	332	6	and	and	CCONJ
easat-5254	332	7	g.	g.	PROPN
easat-5254	332	8	michaels	michaels	PROPN
easat-5254	332	9	,	,	PUNCT
easat-5254	332	10	"	"	PUNCT
easat-5254	332	11	robots	robot	NOUN
easat-5254	332	12	at	at	ADP
easat-5254	332	13	work	work	NOUN
easat-5254	332	14	,	,	PUNCT
easat-5254	332	15	"	"	PUNCT
easat-5254	332	16	review	review	NOUN
easat-5254	332	17	of	of	ADP
easat-5254	332	18	economics	economic	NOUN
easat-5254	332	19	and	and	CCONJ
easat-5254	332	20	statistics	statistic	NOUN
easat-5254	332	21	,	,	PUNCT
easat-5254	332	22	vol	vol	NOUN
easat-5254	332	23	.	.	PROPN
easat-5254	332	24	100	100	NUM
easat-5254	332	25	,	,	PUNCT
easat-5254	332	26	no	no	INTJ
easat-5254	332	27	.	.	NOUN
easat-5254	332	28	5	5	NUM
easat-5254	332	29	,	,	PUNCT
easat-5254	332	30	pp	pp	ADJ
easat-5254	332	31	.	.	PUNCT
easat-5254	333	1	753	753	NUM
easat-5254	333	2	-	-	SYM
easat-5254	333	3	768	768	NUM
easat-5254	333	4	,	,	PUNCT
easat-5254	333	5	2018	2018	NUM
easat-5254	333	6	.	.	PUNCT
easat-5254	334	1	https://doi.org/10.1162/rest_a_00754	https://doi.org/10.1162/rest_a_00754	PROPN
easat-5254	334	2	[	[	X
easat-5254	334	3	21	21	NUM
easat-5254	334	4	]	]	X
easat-5254	334	5	y.	y.	PROPN
easat-5254	334	6	gu	gu	PROPN
easat-5254	334	7	,	,	PUNCT
easat-5254	334	8	s.	s.	PROPN
easat-5254	334	9	zhu	zhu	PROPN
easat-5254	334	10	,	,	PUNCT
easat-5254	334	11	z.	z.	PROPN
easat-5254	334	12	yang	yang	PROPN
easat-5254	334	13	,	,	PUNCT
easat-5254	334	14	and	and	CCONJ
easat-5254	334	15	y.	y.	PROPN
easat-5254	334	16	zhao	zhao	PROPN
easat-5254	334	17	,	,	PUNCT
easat-5254	334	18	"	"	PUNCT
easat-5254	334	19	research	research	NOUN
easat-5254	334	20	on	on	ADP
easat-5254	334	21	banking	bank	VERB
easat-5254	334	22	systemic	systemic	ADJ
easat-5254	334	23	risk	risk	NOUN
easat-5254	334	24	contagion	contagion	NOUN
easat-5254	334	25	based	base	VERB
easat-5254	334	26	on	on	ADP
easat-5254	334	27	network	network	NOUN
easat-5254	334	28	dynamic	dynamic	ADJ
easat-5254	334	29	timevariant	timevariant	NOUN
easat-5254	334	30	contagion	contagion	NOUN
easat-5254	334	31	kinetics	kinetic	NOUN
easat-5254	334	32	model	model	NOUN
easat-5254	334	33	,	,	PUNCT
easat-5254	334	34	"	"	PUNCT
easat-5254	334	35	journal	journal	NOUN
easat-5254	334	36	of	of	ADP
easat-5254	334	37	intelligent	intelligent	ADJ
easat-5254	334	38	&	&	CCONJ
easat-5254	334	39	fuzzy	fuzzy	ADJ
easat-5254	334	40	systems	system	NOUN
easat-5254	334	41	,	,	PUNCT
easat-5254	334	42	vol	vol	NOUN
easat-5254	334	43	.	.	PROPN
easat-5254	335	1	37	37	NUM
easat-5254	335	2	,	,	PUNCT
easat-5254	335	3	no	no	INTJ
easat-5254	335	4	.	.	NOUN
easat-5254	335	5	1	1	NUM
easat-5254	335	6	,	,	PUNCT
easat-5254	335	7	pp	pp	ADJ
easat-5254	335	8	.	.	PUNCT
easat-5254	336	1	381	381	NUM
easat-5254	336	2	-	-	SYM
easat-5254	336	3	395	395	NUM
easat-5254	336	4	,	,	PUNCT
easat-5254	336	5	2019	2019	NUM
easat-5254	336	6	.	.	PUNCT
easat-5254	337	1	https://doi.org/10.3233/jifs-179039	https://doi.org/10.3233/jifs-179039	NOUN
easat-5254	337	2	[	[	X
easat-5254	337	3	22	22	NUM
easat-5254	337	4	]	]	PUNCT
easat-5254	337	5	p.	p.	PROPN
easat-5254	337	6	r.	r.	PROPN
easat-5254	337	7	hansen	hansen	PROPN
easat-5254	337	8	and	and	CCONJ
easat-5254	337	9	a.	a.	PROPN
easat-5254	337	10	lunde	lunde	PROPN
easat-5254	337	11	,	,	PUNCT
easat-5254	337	12	"	"	PUNCT
easat-5254	337	13	a	a	DET
easat-5254	337	14	forecast	forecast	ADJ
easat-5254	337	15	comparison	comparison	NOUN
easat-5254	337	16	of	of	ADP
easat-5254	337	17	volatility	volatility	NOUN
easat-5254	337	18	models	model	NOUN
easat-5254	337	19	:	:	PUNCT
easat-5254	337	20	does	do	AUX
easat-5254	337	21	anything	anything	PRON
easat-5254	337	22	beat	beat	VERB
easat-5254	337	23	a	a	DET
easat-5254	337	24	garch	garch	NOUN
easat-5254	337	25	(	(	PUNCT
easat-5254	337	26	1	1	NUM
easat-5254	337	27	,	,	PUNCT
easat-5254	337	28	1	1	NUM
easat-5254	337	29	)	)	PUNCT
easat-5254	337	30	?	?	PUNCT
easat-5254	337	31	,	,	PUNCT
easat-5254	337	32	"	"	PUNCT
easat-5254	337	33	journal	journal	NOUN
easat-5254	337	34	of	of	ADP
easat-5254	337	35	applied	apply	VERB
easat-5254	337	36	econometrics	econometric	NOUN
easat-5254	337	37	,	,	PUNCT
easat-5254	337	38	vol	vol	NOUN
easat-5254	337	39	.	.	PROPN
easat-5254	337	40	20	20	NUM
easat-5254	337	41	,	,	PUNCT
easat-5254	337	42	no	no	INTJ
easat-5254	337	43	.	.	NOUN
easat-5254	337	44	7	7	NUM
easat-5254	337	45	,	,	PUNCT
easat-5254	337	46	pp	pp	ADJ
easat-5254	337	47	.	.	PUNCT
easat-5254	338	1	873	873	NUM
easat-5254	338	2	-	-	NUM
easat-5254	338	3	889	889	NUM
easat-5254	338	4	,	,	PUNCT
easat-5254	338	5	2005	2005	NUM
easat-5254	338	6	.	.	PUNCT
easat-5254	339	1	https://doi.org/10.1002/jae.800	https://doi.org/10.1002/jae.800	PROPN
easat-5254	339	2	[	[	X
easat-5254	339	3	23	23	NUM
easat-5254	339	4	]	]	X
easat-5254	339	5	r.	r.	NOUN
easat-5254	339	6	ibragimov	ibragimov	PROPN
easat-5254	339	7	,	,	PUNCT
easat-5254	339	8	d.	d.	PROPN
easat-5254	339	9	jaffee	jaffee	PROPN
easat-5254	339	10	,	,	PUNCT
easat-5254	339	11	and	and	CCONJ
easat-5254	339	12	j.	j.	PROPN
easat-5254	339	13	walden	walden	PROPN
easat-5254	339	14	,	,	PUNCT
easat-5254	339	15	"	"	PUNCT
easat-5254	339	16	diversification	diversification	NOUN
easat-5254	339	17	disasters	disaster	NOUN
easat-5254	339	18	,	,	PUNCT
easat-5254	339	19	"	"	PUNCT
easat-5254	339	20	journal	journal	NOUN
easat-5254	339	21	of	of	ADP
easat-5254	339	22	financial	financial	ADJ
easat-5254	339	23	economics	economic	NOUN
easat-5254	339	24	,	,	PUNCT
easat-5254	339	25	vol	vol	NOUN
easat-5254	339	26	.	.	PROPN
easat-5254	339	27	99	99	NUM
easat-5254	339	28	,	,	PUNCT
easat-5254	339	29	no	no	INTJ
easat-5254	339	30	.	.	NOUN
easat-5254	339	31	2	2	NUM
easat-5254	339	32	,	,	PUNCT
easat-5254	339	33	pp	pp	ADJ
easat-5254	339	34	.	.	PUNCT
easat-5254	340	1	333	333	NUM
easat-5254	340	2	-	-	SYM
easat-5254	340	3	348	348	NUM
easat-5254	340	4	,	,	PUNCT
easat-5254	340	5	2011	2011	NUM
easat-5254	340	6	.	.	PUNCT
easat-5254	341	1	https://doi.org/10.1016/j.jfineco.2010.08.015	https://doi.org/10.1016/j.jfineco.2010.08.015	NOUN
easat-5254	341	2	[	[	X
easat-5254	341	3	24	24	NUM
easat-5254	341	4	]	]	X
easat-5254	341	5	s.	s.	PROPN
easat-5254	341	6	innocenti	innocenti	PROPN
easat-5254	341	7	and	and	CCONJ
easat-5254	341	8	m.	m.	PROPN
easat-5254	341	9	golin	golin	PROPN
easat-5254	341	10	,	,	PUNCT
easat-5254	341	11	"	"	PUNCT
easat-5254	341	12	human	human	ADJ
easat-5254	341	13	capital	capital	NOUN
easat-5254	341	14	investment	investment	NOUN
easat-5254	341	15	and	and	CCONJ
easat-5254	341	16	perceived	perceive	VERB
easat-5254	341	17	automation	automation	NOUN
easat-5254	341	18	risks	risk	NOUN
easat-5254	341	19	:	:	PUNCT
easat-5254	341	20	evidence	evidence	NOUN
easat-5254	341	21	from	from	ADP
easat-5254	341	22	16	16	NUM
easat-5254	341	23	countries	country	NOUN
easat-5254	341	24	,	,	PUNCT
easat-5254	341	25	"	"	PUNCT
easat-5254	341	26	journal	journal	NOUN
easat-5254	341	27	of	of	ADP
easat-5254	341	28	economic	economic	ADJ
easat-5254	341	29	behavior	behavior	NOUN
easat-5254	341	30	&	&	CCONJ
easat-5254	341	31	organization	organization	PROPN
easat-5254	341	32	,	,	PUNCT
easat-5254	341	33	vol	vol	NOUN
easat-5254	341	34	.	.	PROPN
easat-5254	341	35	195	195	NUM
easat-5254	341	36	,	,	PUNCT
easat-5254	341	37	pp	pp	ADJ
easat-5254	341	38	.	.	PUNCT
easat-5254	342	1	27	27	NUM
easat-5254	342	2	-	-	SYM
easat-5254	342	3	41	41	NUM
easat-5254	342	4	,	,	PUNCT
easat-5254	342	5	2022	2022	NUM
easat-5254	342	6	.	.	PUNCT
easat-5254	343	1	https://doi.org/10.1016/j.jebo.2021.12.020	https://doi.org/10.1016/j.jebo.2021.12.020	NOUN
easat-5254	344	1	[	[	X
easat-5254	344	2	25	25	NUM
easat-5254	344	3	]	]	PUNCT
easat-5254	344	4	e.	e.	PROPN
easat-5254	344	5	j.	j.	PROPN
easat-5254	344	6	kane	kane	PROPN
easat-5254	344	7	,	,	PUNCT
easat-5254	344	8	"	"	PUNCT
easat-5254	344	9	technological	technological	ADJ
easat-5254	344	10	and	and	CCONJ
easat-5254	344	11	regulatory	regulatory	ADJ
easat-5254	344	12	forces	force	NOUN
easat-5254	344	13	in	in	ADP
easat-5254	344	14	the	the	DET
easat-5254	344	15	developing	develop	VERB
easat-5254	344	16	fusion	fusion	NOUN
easat-5254	344	17	of	of	ADP
easat-5254	344	18	financial‐services	financial‐service	NOUN
easat-5254	344	19	competition	competition	NOUN
easat-5254	344	20	,	,	PUNCT
easat-5254	344	21	"	"	PUNCT
easat-5254	344	22	the	the	DET
easat-5254	344	23	journal	journal	NOUN
easat-5254	344	24	of	of	ADP
easat-5254	344	25	finance	finance	NOUN
easat-5254	344	26	,	,	PUNCT
easat-5254	344	27	vol	vol	NOUN
easat-5254	344	28	.	.	PROPN
easat-5254	344	29	39	39	NUM
easat-5254	344	30	,	,	PUNCT
easat-5254	344	31	no	no	INTJ
easat-5254	344	32	.	.	NOUN
easat-5254	344	33	3	3	NUM
easat-5254	344	34	,	,	PUNCT
easat-5254	344	35	pp	pp	ADJ
easat-5254	344	36	.	.	PUNCT
easat-5254	345	1	759	759	NUM
easat-5254	345	2	-	-	SYM
easat-5254	345	3	772	772	NUM
easat-5254	345	4	,	,	PUNCT
easat-5254	345	5	1984	1984	NUM
easat-5254	345	6	.	.	PUNCT
easat-5254	346	1	https://doi.org/10.1111/j.1540-6261.1984.tb03667.x	https://doi.org/10.1111/j.1540-6261.1984.tb03667.x	X
easat-5254	347	1	[	[	X
easat-5254	347	2	26	26	NUM
easat-5254	347	3	]	]	X
easat-5254	347	4	e.	e.	PROPN
easat-5254	347	5	j.	j.	PROPN
easat-5254	347	6	kane	kane	PROPN
easat-5254	347	7	,	,	PUNCT
easat-5254	347	8	"	"	PUNCT
easat-5254	347	9	the	the	DET
easat-5254	347	10	importance	importance	NOUN
easat-5254	347	11	of	of	ADP
easat-5254	347	12	monitoring	monitoring	NOUN
easat-5254	347	13	and	and	CCONJ
easat-5254	347	14	mitigating	mitigate	VERB
easat-5254	347	15	the	the	DET
easat-5254	347	16	safety	safety	NOUN
easat-5254	347	17	-	-	PUNCT
easat-5254	347	18	net	net	ADJ
easat-5254	347	19	consequences	consequence	NOUN
easat-5254	347	20	of	of	ADP
easat-5254	347	21	regulation	regulation	NOUN
easat-5254	347	22	-	-	PUNCT
easat-5254	347	23	induced	induce	VERB
easat-5254	347	24	innovation	innovation	NOUN
easat-5254	347	25	,	,	PUNCT
easat-5254	347	26	"	"	PUNCT
easat-5254	347	27	review	review	NOUN
easat-5254	347	28	of	of	ADP
easat-5254	347	29	social	social	ADJ
easat-5254	347	30	economy	economy	NOUN
easat-5254	347	31	,	,	PUNCT
easat-5254	347	32	vol	vol	NOUN
easat-5254	347	33	.	.	PROPN
easat-5254	347	34	68	68	NUM
easat-5254	347	35	,	,	PUNCT
easat-5254	347	36	no	no	INTJ
easat-5254	347	37	.	.	NOUN
easat-5254	347	38	2	2	NUM
easat-5254	347	39	,	,	PUNCT
easat-5254	347	40	pp	pp	ADJ
easat-5254	347	41	.	.	PUNCT
easat-5254	348	1	145	145	NUM
easat-5254	348	2	-	-	SYM
easat-5254	348	3	161	161	NUM
easat-5254	348	4	,	,	PUNCT
easat-5254	348	5	2010	2010	NUM
easat-5254	348	6	.	.	PUNCT
easat-5254	349	1	https://doi.org/10.1080/00346760902968412	https://doi.org/10.1080/00346760902968412	ADJ
easat-5254	350	1	[	[	X
easat-5254	350	2	27	27	NUM
easat-5254	350	3	]	]	PUNCT
easat-5254	350	4	e.	e.	PROPN
easat-5254	350	5	n.	n.	PROPN
easat-5254	350	6	karimalis	karimalis	PROPN
easat-5254	350	7	and	and	CCONJ
easat-5254	350	8	n.	n.	PROPN
easat-5254	350	9	k.	k.	PROPN
easat-5254	350	10	nomikos	nomikos	PROPN
easat-5254	350	11	,	,	PUNCT
easat-5254	350	12	"	"	PUNCT
easat-5254	350	13	measuring	measure	VERB
easat-5254	350	14	systemic	systemic	ADJ
easat-5254	350	15	risk	risk	NOUN
easat-5254	350	16	in	in	ADP
easat-5254	350	17	the	the	DET
easat-5254	350	18	european	european	ADJ
easat-5254	350	19	banking	banking	NOUN
easat-5254	350	20	sector	sector	NOUN
easat-5254	350	21	:	:	PUNCT
easat-5254	350	22	a	a	DET
easat-5254	350	23	copula	copula	ADJ
easat-5254	350	24	covar	covar	NOUN
easat-5254	350	25	approach	approach	NOUN
easat-5254	350	26	,	,	PUNCT
easat-5254	350	27	"	"	PUNCT
easat-5254	350	28	the	the	DET
easat-5254	350	29	european	european	PROPN
easat-5254	350	30	journal	journal	PROPN
easat-5254	350	31	of	of	ADP
easat-5254	350	32	finance	finance	NOUN
easat-5254	350	33	,	,	PUNCT
easat-5254	350	34	vol	vol	NOUN
easat-5254	350	35	.	.	PROPN
easat-5254	350	36	24	24	NUM
easat-5254	350	37	,	,	PUNCT
easat-5254	350	38	no	no	INTJ
easat-5254	350	39	.	.	NOUN
easat-5254	350	40	11	11	NUM
easat-5254	350	41	,	,	PUNCT
easat-5254	350	42	pp	pp	ADJ
easat-5254	350	43	.	.	PUNCT
easat-5254	351	1	944	944	NUM
easat-5254	351	2	-	-	SYM
easat-5254	351	3	975	975	NUM
easat-5254	351	4	,	,	PUNCT
easat-5254	351	5	2018	2018	NUM
easat-5254	351	6	.	.	PUNCT
easat-5254	352	1	https://doi.org/10.1080/1351847x.2017.1366350	https://doi.org/10.1080/1351847x.2017.1366350	PROPN
easat-5254	353	1	[	[	X
easat-5254	353	2	28	28	NUM
easat-5254	353	3	]	]	X
easat-5254	353	4	g.	g.	PROPN
easat-5254	353	5	kou	kou	PROPN
easat-5254	353	6	,	,	PUNCT
easat-5254	353	7	x.	x.	PROPN
easat-5254	353	8	chao	chao	PROPN
easat-5254	353	9	,	,	PUNCT
easat-5254	353	10	y.	y.	PROPN
easat-5254	353	11	peng	peng	PROPN
easat-5254	353	12	,	,	PUNCT
easat-5254	353	13	f.	f.	PROPN
easat-5254	353	14	e.	e.	PROPN
easat-5254	353	15	alsaadi	alsaadi	PROPN
easat-5254	353	16	,	,	PUNCT
easat-5254	353	17	and	and	CCONJ
easat-5254	353	18	e.	e.	PROPN
easat-5254	353	19	herrera	herrera	PROPN
easat-5254	353	20	viedma	viedma	PROPN
easat-5254	353	21	,	,	PUNCT
easat-5254	353	22	"	"	PUNCT
easat-5254	353	23	machine	machine	NOUN
easat-5254	353	24	learning	learning	NOUN
easat-5254	353	25	methods	method	NOUN
easat-5254	353	26	for	for	ADP
easat-5254	353	27	systemic	systemic	ADJ
easat-5254	353	28	risk	risk	NOUN
easat-5254	353	29	analysis	analysis	NOUN
easat-5254	353	30	in	in	ADP
easat-5254	353	31	financial	financial	ADJ
easat-5254	353	32	sectors	sector	NOUN
easat-5254	353	33	,	,	PUNCT
easat-5254	353	34	"	"	PUNCT
easat-5254	353	35	technological	technological	ADJ
easat-5254	353	36	and	and	CCONJ
easat-5254	353	37	economic	economic	ADJ
easat-5254	353	38	development	development	NOUN
easat-5254	353	39	of	of	ADP
easat-5254	353	40	economy	economy	NOUN
easat-5254	353	41	,	,	PUNCT
easat-5254	353	42	vol	vol	NOUN
easat-5254	353	43	.	.	PROPN
easat-5254	353	44	25	25	NUM
easat-5254	353	45	,	,	PUNCT
easat-5254	353	46	no	no	INTJ
easat-5254	353	47	.	.	NOUN
easat-5254	353	48	5	5	NUM
easat-5254	353	49	,	,	PUNCT
easat-5254	353	50	pp	pp	ADJ
easat-5254	353	51	.	.	PUNCT
easat-5254	354	1	716	716	NUM
easat-5254	354	2	-	-	SYM
easat-5254	354	3	742	742	NUM
easat-5254	354	4	,	,	PUNCT
easat-5254	354	5	2019	2019	NUM
easat-5254	354	6	.	.	PUNCT
easat-5254	355	1	https://doi.org/10.3846/tede.2019.8740	https://doi.org/10.3846/tede.2019.8740	PROPN
easat-5254	355	2	[	[	X
easat-5254	355	3	29	29	NUM
easat-5254	355	4	]	]	X
easat-5254	355	5	c.	c.	PROPN
easat-5254	355	6	lan	lan	PROPN
easat-5254	355	7	,	,	PUNCT
easat-5254	355	8	z.	z.	PROPN
easat-5254	355	9	huang	huang	PROPN
easat-5254	355	10	,	,	PUNCT
easat-5254	355	11	and	and	CCONJ
easat-5254	355	12	w.	w.	PROPN
easat-5254	355	13	huang	huang	PROPN
easat-5254	355	14	,	,	PUNCT
easat-5254	355	15	"	"	PUNCT
easat-5254	355	16	systemic	systemic	ADJ
easat-5254	355	17	risk	risk	NOUN
easat-5254	355	18	in	in	ADP
easat-5254	355	19	china	china	PROPN
easat-5254	355	20	’s	’s	PART
easat-5254	355	21	financial	financial	ADJ
easat-5254	355	22	industry	industry	NOUN
easat-5254	355	23	due	due	ADP
easat-5254	355	24	to	to	ADP
easat-5254	355	25	the	the	DET
easat-5254	355	26	covid-19	covid-19	PROPN
easat-5254	355	27	pandemic	pandemic	NOUN
easat-5254	355	28	,	,	PUNCT
easat-5254	355	29	"	"	PUNCT
easat-5254	355	30	asian	asian	ADJ
easat-5254	355	31	economics	economic	NOUN
easat-5254	355	32	letters	letter	NOUN
easat-5254	355	33	,	,	PUNCT
easat-5254	355	34	vol	vol	NOUN
easat-5254	355	35	.	.	PROPN
easat-5254	355	36	1	1	NUM
easat-5254	355	37	,	,	PUNCT
easat-5254	355	38	no	no	INTJ
easat-5254	355	39	.	.	NOUN
easat-5254	355	40	3	3	NUM
easat-5254	355	41	,	,	PUNCT
easat-5254	355	42	p.	p.	NOUN
easat-5254	355	43	18070	18070	NUM
easat-5254	355	44	,	,	PUNCT
easat-5254	355	45	2020	2020	NUM
easat-5254	355	46	.	.	PUNCT
easat-5254	356	1	https://doi.org/10.46557/001c.18070	https://doi.org/10.46557/001c.18070	NOUN
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easat-5254	356	3	30	30	NUM
easat-5254	356	4	]	]	X
easat-5254	356	5	j.-p	j.-p	PROPN
easat-5254	356	6	.	.	PUNCT
easat-5254	357	1	lee	lee	PROPN
easat-5254	357	2	,	,	PUNCT
easat-5254	357	3	e.	e.	PROPN
easat-5254	357	4	m.	m.	PROPN
easat-5254	357	5	lin	lin	PROPN
easat-5254	357	6	,	,	PUNCT
easat-5254	357	7	j.	j.	PROPN
easat-5254	357	8	j.	j.	PROPN
easat-5254	357	9	lin	lin	PROPN
easat-5254	357	10	,	,	PUNCT
easat-5254	357	11	and	and	CCONJ
easat-5254	357	12	y.	y.	PROPN
easat-5254	357	13	zhao	zhao	PROPN
easat-5254	357	14	,	,	PUNCT
easat-5254	357	15	"	"	PUNCT
easat-5254	357	16	bank	bank	NOUN
easat-5254	357	17	systemic	systemic	ADJ
easat-5254	357	18	risk	risk	NOUN
easat-5254	357	19	and	and	CCONJ
easat-5254	357	20	ceo	ceo	NOUN
easat-5254	357	21	overconfidence	overconfidence	NOUN
easat-5254	357	22	,	,	PUNCT
easat-5254	357	23	"	"	PUNCT
easat-5254	357	24	the	the	DET
easat-5254	357	25	north	north	ADJ
easat-5254	357	26	american	american	ADJ
easat-5254	357	27	journal	journal	PROPN
easat-5254	357	28	of	of	ADP
easat-5254	357	29	economics	economic	NOUN
easat-5254	357	30	and	and	CCONJ
easat-5254	357	31	finance	finance	NOUN
easat-5254	357	32	,	,	PUNCT
easat-5254	357	33	vol	vol	NOUN
easat-5254	357	34	.	.	PROPN
easat-5254	357	35	54	54	NUM
easat-5254	357	36	,	,	PUNCT
easat-5254	357	37	p.	p.	NOUN
easat-5254	357	38	100946	100946	NUM
easat-5254	357	39	,	,	PUNCT
easat-5254	357	40	2020	2020	NUM
easat-5254	357	41	.	.	PUNCT
easat-5254	358	1	https://doi.org/10.1016/j.najef.2019.100946	https://doi.org/10.1016/j.najef.2019.100946	PROPN
easat-5254	358	2	https://doi.org/10.1016/j.jbusres.2019.11.020	https://doi.org/10.1016/j.jbusres.2019.11.020	PROPN
easat-5254	358	3	https://doi.org/10.1016/j.jfineco.2011.12.010	https://doi.org/10.1016/j.jfineco.2011.12.010	PROPN
easat-5254	358	4	https://doi.org/10.1145/3502289	https://doi.org/10.1145/3502289	ADJ
easat-5254	358	5	https://doi.org/10.1016/j.techfore.2021.121191	https://doi.org/10.1016/j.techfore.2021.121191	PROPN
easat-5254	358	6	https://doi.org/10.1093/rfs/hhz148	https://doi.org/10.1093/rfs/hhz148	PROPN
easat-5254	358	7	https://doi.org/10.1016/j.jcorpfin.2021.102129	https://doi.org/10.1016/j.jcorpfin.2021.102129	PROPN
easat-5254	358	8	https://doi.org/10.1111/jofi.12057	https://doi.org/10.1111/jofi.12057	VERB
easat-5254	358	9	https://doi.org/10.7208/chicago/9780226613475.003.0001	https://doi.org/10.7208/chicago/9780226613475.003.0001	PRON
easat-5254	358	10	https://doi.org/10.2139/ssrn.3366846	https://doi.org/10.2139/ssrn.3366846	NOUN
easat-5254	358	11	https://doi.org/10.1016/j.jbankfin.2010.08.007	https://doi.org/10.1016/j.jbankfin.2010.08.007	VERB
easat-5254	358	12	https://doi.org/10.1177/0001839214526755	https://doi.org/10.1177/0001839214526755	ADJ
easat-5254	358	13	https://doi.org/10.3389/frai.2018.00001	https://doi.org/10.3389/frai.2018.00001	PROPN
easat-5254	358	14	https://doi.org/10.1111/j.1540-6261.1993.tb05128.x	https://doi.org/10.1111/j.1540-6261.1993.tb05128.x	PROPN
easat-5254	358	15	https://doi.org/10.1162/rest_a_00754	https://doi.org/10.1162/rest_a_00754	PROPN
easat-5254	358	16	https://doi.org/10.3233/jifs-179039	https://doi.org/10.3233/jifs-179039	NOUN
easat-5254	358	17	https://doi.org/10.1002/jae.800	https://doi.org/10.1002/jae.800	PROPN
easat-5254	358	18	https://doi.org/10.1016/j.jfineco.2010.08.015	https://doi.org/10.1016/j.jfineco.2010.08.015	PROPN
easat-5254	358	19	https://doi.org/10.1016/j.jebo.2021.12.020	https://doi.org/10.1016/j.jebo.2021.12.020	PROPN
easat-5254	358	20	https://doi.org/10.1111/j.1540-6261.1984.tb03667.x	https://doi.org/10.1111/j.1540-6261.1984.tb03667.x	PROPN
easat-5254	359	1	https://doi.org/10.1080/00346760902968412	https://doi.org/10.1080/00346760902968412	PROPN
easat-5254	359	2	https://doi.org/10.1080/1351847x.2017.1366350	https://doi.org/10.1080/1351847x.2017.1366350	PROPN
easat-5254	360	1	https://doi.org/10.3846/tede.2019.8740	https://doi.org/10.3846/tede.2019.8740	PROPN
easat-5254	360	2	https://doi.org/10.46557/001c.18070	https://doi.org/10.46557/001c.18070	NUM
easat-5254	360	3	https://doi.org/10.1016/j.najef.2019.100946	https://doi.org/10.1016/j.najef.2019.100946	PROPN
easat-5254	360	4	567	567	NUM
easat-5254	360	5	edelweiss	edelweiss	PROPN
easat-5254	360	6	applied	apply	VERB
easat-5254	360	7	science	science	NOUN
easat-5254	360	8	and	and	CCONJ
easat-5254	360	9	technology	technology	NOUN
easat-5254	360	10	issn	issn	PROPN
easat-5254	360	11	:	:	PUNCT
easat-5254	360	12	2576	2576	NUM
easat-5254	360	13	-	-	SYM
easat-5254	360	14	8484	8484	NUM
easat-5254	360	15	vol	vol	NOUN
easat-5254	360	16	.	.	PROPN
easat-5254	361	1	9	9	NUM
easat-5254	361	2	,	,	PUNCT
easat-5254	361	3	no	no	INTJ
easat-5254	361	4	.	.	NOUN
easat-5254	362	1	3	3	NUM
easat-5254	362	2	:	:	PUNCT
easat-5254	362	3	553	553	NUM
easat-5254	362	4	-	-	SYM
easat-5254	362	5	567	567	NUM
easat-5254	362	6	,	,	PUNCT
easat-5254	362	7	2025	2025	NUM
easat-5254	362	8	doi	doi	NOUN
easat-5254	362	9	:	:	PUNCT
easat-5254	362	10	10.55214/25768484.v9i3.5254	10.55214/25768484.v9i3.5254	PROPN
easat-5254	362	11	©	©	PROPN
easat-5254	362	12	2025	2025	NUM
easat-5254	362	13	by	by	ADP
easat-5254	362	14	the	the	DET
easat-5254	362	15	authors	author	NOUN
easat-5254	362	16	;	;	PUNCT
easat-5254	362	17	licensee	licensee	PROPN
easat-5254	362	18	learning	learning	NOUN
easat-5254	362	19	gate	gate	NOUN
easat-5254	363	1	[	[	X
easat-5254	363	2	31	31	NUM
easat-5254	363	3	]	]	PUNCT
easat-5254	363	4	x.	x.	PROPN
easat-5254	363	5	li	li	PROPN
easat-5254	363	6	,	,	PUNCT
easat-5254	363	7	d.	d.	PROPN
easat-5254	363	8	tripe	tripe	PROPN
easat-5254	363	9	,	,	PUNCT
easat-5254	363	10	c.	c.	PROPN
easat-5254	363	11	malone	malone	PROPN
easat-5254	363	12	,	,	PUNCT
easat-5254	363	13	and	and	CCONJ
easat-5254	363	14	d.	d.	PROPN
easat-5254	363	15	smith	smith	PROPN
easat-5254	363	16	,	,	PUNCT
easat-5254	363	17	"	"	PUNCT
easat-5254	363	18	measuring	measure	VERB
easat-5254	363	19	systemic	systemic	ADJ
easat-5254	363	20	risk	risk	NOUN
easat-5254	363	21	contribution	contribution	NOUN
easat-5254	363	22	:	:	PUNCT
easat-5254	363	23	the	the	DET
easat-5254	363	24	leave	leave	VERB
easat-5254	363	25	-	-	PUNCT
easat-5254	363	26	one	one	NUM
easat-5254	363	27	-	-	PUNCT
easat-5254	363	28	out	out	ADP
easat-5254	363	29	z	z	NOUN
easat-5254	363	30	-	-	PUNCT
easat-5254	363	31	score	score	NOUN
easat-5254	363	32	method	method	NOUN
easat-5254	363	33	,	,	PUNCT
easat-5254	363	34	"	"	PUNCT
easat-5254	363	35	finance	finance	NOUN
easat-5254	363	36	research	research	NOUN
easat-5254	363	37	letters	letter	NOUN
easat-5254	363	38	,	,	PUNCT
easat-5254	363	39	vol	vol	NOUN
easat-5254	363	40	.	.	PROPN
easat-5254	363	41	36	36	NUM
easat-5254	363	42	,	,	PUNCT
easat-5254	363	43	p.	p.	NOUN
easat-5254	363	44	101316	101316	NUM
easat-5254	363	45	,	,	PUNCT
easat-5254	363	46	2020	2020	NUM
easat-5254	363	47	.	.	PUNCT
easat-5254	364	1	https://doi.org/10.1016/j.frl.2019.101316	https://doi.org/10.1016/j.frl.2019.101316	PUNCT
easat-5254	365	1	[	[	X
easat-5254	365	2	32	32	NUM
easat-5254	365	3	]	]	PUNCT
easat-5254	365	4	s.	s.	PROPN
easat-5254	365	5	liang	liang	PROPN
easat-5254	365	6	,	,	PUNCT
easat-5254	365	7	f.	f.	PROPN
easat-5254	365	8	moreira	moreira	PROPN
easat-5254	365	9	,	,	PUNCT
easat-5254	365	10	and	and	CCONJ
easat-5254	365	11	j.	j.	PROPN
easat-5254	365	12	lee	lee	PROPN
easat-5254	365	13	,	,	PUNCT
easat-5254	365	14	"	"	PUNCT
easat-5254	365	15	diversification	diversification	NOUN
easat-5254	365	16	and	and	CCONJ
easat-5254	365	17	bank	bank	NOUN
easat-5254	365	18	stability	stability	NOUN
easat-5254	365	19	,	,	PUNCT
easat-5254	365	20	"	"	PUNCT
easat-5254	365	21	economics	economics	NOUN
easat-5254	365	22	letters	letter	NOUN
easat-5254	365	23	,	,	PUNCT
easat-5254	365	24	vol	vol	NOUN
easat-5254	365	25	.	.	NOUN
easat-5254	365	26	193	193	NUM
easat-5254	365	27	,	,	PUNCT
easat-5254	365	28	p.	p.	NOUN
easat-5254	365	29	109312	109312	NUM
easat-5254	365	30	,	,	PUNCT
easat-5254	365	31	2020	2020	NUM
easat-5254	365	32	.	.	PUNCT
easat-5254	366	1	https://doi.org/10.1016/j.econlet.2020.109312	https://doi.org/10.1016/j.econlet.2020.109312	PROPN
easat-5254	366	2	[	[	X
easat-5254	366	3	33	33	NUM
easat-5254	366	4	]	]	PUNCT
easat-5254	366	5	d.	d.	PROPN
easat-5254	366	6	marek	marek	PROPN
easat-5254	366	7	,	,	PUNCT
easat-5254	366	8	r.	r.	PROPN
easat-5254	366	9	patrik	patrik	PROPN
easat-5254	366	10	,	,	PUNCT
easat-5254	366	11	g.	g.	PROPN
easat-5254	366	12	veronika	veronika	PROPN
easat-5254	366	13	,	,	PUNCT
easat-5254	366	14	and	and	CCONJ
easat-5254	366	15	f.	f.	PROPN
easat-5254	366	16	marina	marina	PROPN
easat-5254	366	17	,	,	PUNCT
easat-5254	366	18	"	"	PUNCT
easat-5254	366	19	economic	economic	ADJ
easat-5254	366	20	impacts	impact	NOUN
easat-5254	366	21	of	of	ADP
easat-5254	366	22	covid-19	covid-19	PROPN
easat-5254	366	23	on	on	ADP
easat-5254	366	24	the	the	DET
easat-5254	366	25	labor	labor	NOUN
easat-5254	366	26	market	market	NOUN
easat-5254	366	27	and	and	CCONJ
easat-5254	366	28	human	human	ADJ
easat-5254	366	29	capital	capital	NOUN
easat-5254	366	30	,	,	PUNCT
easat-5254	366	31	"	"	PUNCT
easat-5254	366	32	terra	terra	NOUN
easat-5254	366	33	economicus	economicus	NOUN
easat-5254	366	34	,	,	PUNCT
easat-5254	366	35	vol	vol	NOUN
easat-5254	366	36	.	.	PROPN
easat-5254	366	37	18	18	NUM
easat-5254	366	38	,	,	PUNCT
easat-5254	366	39	no	no	INTJ
easat-5254	366	40	.	.	NOUN
easat-5254	366	41	4	4	NUM
easat-5254	366	42	,	,	PUNCT
easat-5254	366	43	pp	pp	ADJ
easat-5254	366	44	.	.	PUNCT
easat-5254	367	1	78	78	NUM
easat-5254	367	2	-	-	SYM
easat-5254	367	3	96	96	NUM
easat-5254	367	4	,	,	PUNCT
easat-5254	367	5	2020	2020	NUM
easat-5254	367	6	.	.	PUNCT
easat-5254	368	1	https://doi.org/10.23683/2073-6606-2020-18-4-78-96	https://doi.org/10.23683/2073-6606-2020-18-4-78-96	NOUN
easat-5254	368	2	[	[	PUNCT
easat-5254	368	3	34	34	NUM
easat-5254	368	4	]	]	PUNCT
easat-5254	368	5	t.	t.	PROPN
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easat-5254	368	7	,	,	PUNCT
easat-5254	368	8	"	"	PUNCT
easat-5254	368	9	artificial	artificial	ADJ
easat-5254	368	10	intelligence	intelligence	NOUN
easat-5254	368	11	(	(	PUNCT
easat-5254	368	12	ai	ai	NOUN
easat-5254	368	13	)	)	PUNCT
easat-5254	368	14	for	for	ADP
easat-5254	368	15	financial	financial	ADJ
easat-5254	368	16	markets	market	NOUN
easat-5254	368	17	:	:	PUNCT
easat-5254	368	18	a	a	DET
easat-5254	368	19	good	good	ADJ
easat-5254	368	20	ai	ai	VERB
easat-5254	368	21	for	for	ADP
easat-5254	368	22	designing	design	VERB
easat-5254	368	23	better	well	ADJ
easat-5254	368	24	financial	financial	ADJ
easat-5254	368	25	markets	market	NOUN
easat-5254	368	26	and	and	CCONJ
easat-5254	368	27	a	a	DET
easat-5254	368	28	bad	bad	ADJ
easat-5254	368	29	ai	ai	VERB
easat-5254	368	30	for	for	ADP
easat-5254	368	31	manipulating	manipulate	VERB
easat-5254	368	32	markets	market	NOUN
easat-5254	368	33	,	,	PUNCT
easat-5254	368	34	"	"	PUNCT
easat-5254	368	35	in	in	ADP
easat-5254	368	36	digital	digital	ADJ
easat-5254	368	37	designs	design	NOUN
easat-5254	368	38	for	for	ADP
easat-5254	368	39	money	money	NOUN
easat-5254	368	40	,	,	PUNCT
easat-5254	368	41	markets	market	NOUN
easat-5254	368	42	,	,	PUNCT
easat-5254	368	43	and	and	CCONJ
easat-5254	368	44	social	social	ADJ
easat-5254	368	45	dilemmas	dilemma	NOUN
easat-5254	368	46	:	:	PUNCT
easat-5254	368	47	springer	springer	NOUN
easat-5254	368	48	.	.	PUNCT
easat-5254	369	1	https://doi.org/10.1007/978-3-030-60416-3_15	https://doi.org/10.1007/978-3-030-60416-3_15	VERB
easat-5254	369	2	,	,	PUNCT
easat-5254	369	3	2022	2022	NUM
easat-5254	369	4	,	,	PUNCT
easat-5254	369	5	pp	pp	ADJ
easat-5254	369	6	.	.	PUNCT
easat-5254	370	1	305	305	NUM
easat-5254	370	2	-	-	SYM
easat-5254	370	3	329	329	NUM
easat-5254	370	4	.	.	PUNCT
easat-5254	371	1	[	[	X
easat-5254	371	2	35	35	NUM
easat-5254	371	3	]	]	X
easat-5254	371	4	w.	w.	PROPN
easat-5254	371	5	noonpakdee	noonpakdee	PROPN
easat-5254	371	6	,	,	PUNCT
easat-5254	371	7	"	"	PUNCT
easat-5254	371	8	the	the	DET
easat-5254	371	9	adoption	adoption	NOUN
easat-5254	371	10	of	of	ADP
easat-5254	371	11	artificial	artificial	ADJ
easat-5254	371	12	intelligence	intelligence	NOUN
easat-5254	371	13	for	for	ADP
easat-5254	371	14	financial	financial	ADJ
easat-5254	371	15	investment	investment	NOUN
easat-5254	371	16	service	service	NOUN
easat-5254	371	17	,	,	PUNCT
easat-5254	371	18	"	"	PUNCT
easat-5254	371	19	in	in	ADP
easat-5254	371	20	2020	2020	NUM
easat-5254	371	21	22nd	22nd	NOUN
easat-5254	371	22	international	international	ADJ
easat-5254	371	23	conference	conference	NOUN
easat-5254	371	24	on	on	ADP
easat-5254	371	25	advanced	advanced	ADJ
easat-5254	371	26	communication	communication	NOUN
easat-5254	371	27	technology	technology	NOUN
easat-5254	371	28	(	(	PUNCT
easat-5254	371	29	icact	icact	PROPN
easat-5254	371	30	)	)	PUNCT
easat-5254	371	31	,	,	PUNCT
easat-5254	371	32	2020	2020	NUM
easat-5254	371	33	:	:	PUNCT
easat-5254	371	34	ieee	ieee	NOUN
easat-5254	371	35	,	,	PUNCT
easat-5254	371	36	pp	pp	ADP
easat-5254	371	37	.	.	PUNCT
easat-5254	372	1	396	396	NUM
easat-5254	372	2	-	-	SYM
easat-5254	372	3	400	400	NUM
easat-5254	372	4	.	.	PUNCT
easat-5254	373	1	[	[	X
easat-5254	373	2	36	36	NUM
easat-5254	373	3	]	]	X
easat-5254	373	4	d.	d.	PROPN
easat-5254	373	5	petrone	petrone	PROPN
easat-5254	373	6	,	,	PUNCT
easat-5254	373	7	n.	n.	NOUN
easat-5254	373	8	rodosthenous	rodosthenous	NOUN
easat-5254	373	9	,	,	PUNCT
easat-5254	373	10	and	and	CCONJ
easat-5254	373	11	v.	v.	ADP
easat-5254	373	12	latora	latora	NOUN
easat-5254	373	13	,	,	PUNCT
easat-5254	373	14	"	"	PUNCT
easat-5254	373	15	an	an	DET
easat-5254	373	16	ai	ai	NOUN
easat-5254	373	17	approach	approach	NOUN
easat-5254	373	18	for	for	ADP
easat-5254	373	19	managing	manage	VERB
easat-5254	373	20	financial	financial	ADJ
easat-5254	373	21	systemic	systemic	ADJ
easat-5254	373	22	risk	risk	NOUN
easat-5254	373	23	via	via	ADP
easat-5254	373	24	bank	bank	NOUN
easat-5254	373	25	bailouts	bailout	NOUN
easat-5254	373	26	by	by	ADP
easat-5254	373	27	taxpayers	taxpayer	NOUN
easat-5254	373	28	,	,	PUNCT
easat-5254	373	29	"	"	PUNCT
easat-5254	373	30	nature	nature	NOUN
easat-5254	373	31	communications	communication	NOUN
easat-5254	373	32	,	,	PUNCT
easat-5254	373	33	vol	vol	NOUN
easat-5254	373	34	.	.	PROPN
easat-5254	373	35	13	13	NUM
easat-5254	373	36	,	,	PUNCT
easat-5254	373	37	no	no	INTJ
easat-5254	373	38	.	.	NOUN
easat-5254	373	39	1	1	NUM
easat-5254	373	40	,	,	PUNCT
easat-5254	373	41	p.	p.	NOUN
easat-5254	373	42	6815	6815	NUM
easat-5254	373	43	,	,	PUNCT
easat-5254	373	44	2022	2022	NUM
easat-5254	373	45	.	.	PUNCT
easat-5254	373	46	https://doi.org/10.1038/s41467-022-34199-0	https://doi.org/10.1038/s41467-022-34199-0	PROPN
easat-5254	374	1	[	[	X
easat-5254	374	2	37	37	NUM
easat-5254	374	3	]	]	PUNCT
easat-5254	374	4	p.	p.	NOUN
easat-5254	374	5	aghion	aghion	NOUN
easat-5254	374	6	,	,	PUNCT
easat-5254	374	7	b.	b.	PROPN
easat-5254	374	8	f.	f.	PROPN
easat-5254	374	9	jones	jones	PROPN
easat-5254	374	10	,	,	PUNCT
easat-5254	374	11	and	and	CCONJ
easat-5254	374	12	c.	c.	PROPN
easat-5254	374	13	i.	i.	PROPN
easat-5254	374	14	jones	jones	PROPN
easat-5254	374	15	,	,	PUNCT
easat-5254	374	16	artificial	artificial	ADJ
easat-5254	374	17	intelligence	intelligence	NOUN
easat-5254	374	18	and	and	CCONJ
easat-5254	374	19	economic	economic	ADJ
easat-5254	374	20	growth	growth	NOUN
easat-5254	374	21	.	.	PUNCT
easat-5254	375	1	cambridge	cambridge	PROPN
easat-5254	375	2	,	,	PUNCT
easat-5254	375	3	ma	ma	PROPN
easat-5254	375	4	:	:	PUNCT
easat-5254	375	5	national	national	PROPN
easat-5254	375	6	bureau	bureau	PROPN
easat-5254	375	7	of	of	ADP
easat-5254	375	8	economic	economic	ADJ
easat-5254	375	9	research	research	NOUN
easat-5254	375	10	,	,	PUNCT
easat-5254	375	11	2017	2017	NUM
easat-5254	375	12	.	.	PUNCT
easat-5254	376	1	[	[	X
easat-5254	376	2	38	38	NUM
easat-5254	376	3	]	]	PUNCT
easat-5254	376	4	g.	g.	NOUN
easat-5254	376	5	pin	pin	PROPN
easat-5254	376	6	and	and	CCONJ
easat-5254	376	7	s.	s.	PROPN
easat-5254	376	8	yue	yue	PROPN
easat-5254	376	9	,	,	PUNCT
easat-5254	376	10	"	"	PUNCT
easat-5254	376	11	the	the	DET
easat-5254	376	12	impact	impact	NOUN
easat-5254	376	13	of	of	ADP
easat-5254	376	14	internet	internet	NOUN
easat-5254	376	15	finance	finance	NOUN
easat-5254	376	16	on	on	ADP
easat-5254	376	17	commercial	commercial	ADJ
easat-5254	376	18	banks	bank	NOUN
easat-5254	376	19	’	'	PUNCT
easat-5254	376	20	risktaking	risktake	VERB
easat-5254	376	21	:	:	PUNCT
easat-5254	376	22	theoretical	theoretical	ADJ
easat-5254	376	23	interpretation	interpretation	NOUN
easat-5254	376	24	and	and	CCONJ
easat-5254	376	25	empirical	empirical	ADJ
easat-5254	376	26	test	test	NOUN
easat-5254	376	27	,	,	PUNCT
easat-5254	376	28	"	"	PUNCT
easat-5254	376	29	china	china	PROPN
easat-5254	376	30	finance	finance	PROPN
easat-5254	376	31	and	and	CCONJ
easat-5254	376	32	economic	economic	ADJ
easat-5254	376	33	review	review	NOUN
easat-5254	376	34	,	,	PUNCT
easat-5254	376	35	vol	vol	NOUN
easat-5254	376	36	.	.	PROPN
easat-5254	376	37	5	5	NUM
easat-5254	376	38	,	,	PUNCT
easat-5254	376	39	no	no	INTJ
easat-5254	376	40	.	.	NOUN
easat-5254	376	41	3	3	NUM
easat-5254	376	42	,	,	PUNCT
easat-5254	376	43	pp	pp	ADJ
easat-5254	376	44	.	.	PUNCT
easat-5254	376	45	89	89	NUM
easat-5254	376	46	-	-	SYM
easat-5254	376	47	109	109	NUM
easat-5254	376	48	,	,	PUNCT
easat-5254	376	49	2016	2016	NUM
easat-5254	376	50	.	.	PUNCT
easat-5254	377	1	[	[	X
easat-5254	377	2	39	39	NUM
easat-5254	377	3	]	]	PUNCT
easat-5254	377	4	y.	y.	PROPN
easat-5254	377	5	qi	qi	PROPN
easat-5254	377	6	and	and	CCONJ
easat-5254	377	7	j.	j.	PROPN
easat-5254	377	8	xiao	xiao	PROPN
easat-5254	377	9	,	,	PUNCT
easat-5254	377	10	"	"	PUNCT
easat-5254	377	11	fintech	fintech	NOUN
easat-5254	377	12	:	:	PUNCT
easat-5254	377	13	ai	ai	VERB
easat-5254	377	14	powers	power	NOUN
easat-5254	377	15	financial	financial	ADJ
easat-5254	377	16	services	service	NOUN
easat-5254	377	17	to	to	PART
easat-5254	377	18	improve	improve	VERB
easat-5254	377	19	people	people	NOUN
easat-5254	377	20	's	's	PART
easat-5254	377	21	lives	life	NOUN
easat-5254	377	22	,	,	PUNCT
easat-5254	377	23	"	"	PUNCT
easat-5254	377	24	communications	communication	NOUN
easat-5254	377	25	of	of	ADP
easat-5254	377	26	the	the	DET
easat-5254	377	27	acm	acm	NOUN
easat-5254	377	28	,	,	PUNCT
easat-5254	377	29	vol	vol	NOUN
easat-5254	377	30	.	.	PROPN
easat-5254	377	31	61	61	NUM
easat-5254	377	32	,	,	PUNCT
easat-5254	377	33	no	no	INTJ
easat-5254	377	34	.	.	NOUN
easat-5254	377	35	11	11	NUM
easat-5254	377	36	,	,	PUNCT
easat-5254	377	37	pp	pp	ADJ
easat-5254	377	38	.	.	PUNCT
easat-5254	378	1	65	65	NUM
easat-5254	378	2	-	-	SYM
easat-5254	378	3	69	69	NUM
easat-5254	378	4	,	,	PUNCT
easat-5254	378	5	2018	2018	NUM
easat-5254	378	6	.	.	PUNCT
easat-5254	379	1	https://doi.org/10.1145/3233137	https://doi.org/10.1145/3233137	X
easat-5254	380	1	[	[	X
easat-5254	380	2	40	40	NUM
easat-5254	380	3	]	]	X
easat-5254	380	4	y.	y.	PROPN
easat-5254	380	5	qian	qian	PROPN
easat-5254	380	6	,	,	PUNCT
easat-5254	380	7	j.	j.	PROPN
easat-5254	380	8	liu	liu	PROPN
easat-5254	380	9	,	,	PUNCT
easat-5254	380	10	l.	l.	PROPN
easat-5254	380	11	shi	shi	PROPN
easat-5254	380	12	,	,	PUNCT
easat-5254	380	13	j.	j.	PROPN
easat-5254	380	14	y.	y.	PROPN
easat-5254	380	15	forrest	forrest	PROPN
easat-5254	380	16	,	,	PUNCT
easat-5254	380	17	and	and	CCONJ
easat-5254	380	18	z.	z.	PROPN
easat-5254	380	19	yang	yang	PROPN
easat-5254	380	20	,	,	PUNCT
easat-5254	380	21	"	"	PUNCT
easat-5254	380	22	can	can	AUX
easat-5254	380	23	artificial	artificial	ADJ
easat-5254	380	24	intelligence	intelligence	NOUN
easat-5254	380	25	improve	improve	VERB
easat-5254	380	26	green	green	ADJ
easat-5254	380	27	economic	economic	ADJ
easat-5254	380	28	growth	growth	NOUN
easat-5254	380	29	?	?	PUNCT
easat-5254	381	1	evidence	evidence	NOUN
easat-5254	381	2	from	from	ADP
easat-5254	381	3	china	china	PROPN
easat-5254	381	4	,	,	PUNCT
easat-5254	381	5	"	"	PUNCT
easat-5254	381	6	environmental	environmental	ADJ
easat-5254	381	7	science	science	NOUN
easat-5254	381	8	and	and	CCONJ
easat-5254	381	9	pollution	pollution	NOUN
easat-5254	381	10	research	research	NOUN
easat-5254	381	11	,	,	PUNCT
easat-5254	381	12	vol	vol	NOUN
easat-5254	381	13	.	.	PROPN
easat-5254	381	14	1	1	NUM
easat-5254	381	15	,	,	PUNCT
easat-5254	381	16	pp	pp	ADJ
easat-5254	381	17	.	.	PUNCT
easat-5254	382	1	1	1	NUM
easat-5254	382	2	-	-	SYM
easat-5254	382	3	20	20	NUM
easat-5254	382	4	,	,	PUNCT
easat-5254	382	5	2022	2022	NUM
easat-5254	382	6	.	.	PUNCT
easat-5254	383	1	https://doi.org/10.1007/s11356-022-22599-4	https://doi.org/10.1007/s11356-022-22599-4	NUM
easat-5254	384	1	[	[	X
easat-5254	384	2	41	41	NUM
easat-5254	384	3	]	]	PUNCT
easat-5254	384	4	s.	s.	PROPN
easat-5254	384	5	shah	shah	PROPN
easat-5254	384	6	,	,	PUNCT
easat-5254	384	7	"	"	PUNCT
easat-5254	384	8	the	the	DET
easat-5254	384	9	principal	principal	ADJ
easat-5254	384	10	-	-	PUNCT
easat-5254	384	11	agent	agent	NOUN
easat-5254	384	12	problem	problem	NOUN
easat-5254	384	13	in	in	ADP
easat-5254	384	14	finance	finance	NOUN
easat-5254	384	15	.	.	PUNCT
easat-5254	385	1	cfa	cfa	PROPN
easat-5254	385	2	institute	institute	PROPN
easat-5254	385	3	research	research	PROPN
easat-5254	385	4	foundation	foundation	PROPN
easat-5254	385	5	l2014	l2014	PROPN
easat-5254	385	6	-	-	PUNCT
easat-5254	385	7	1	1	NUM
easat-5254	385	8	,	,	PUNCT
easat-5254	385	9	"	"	PUNCT
easat-5254	385	10	2014	2014	NUM
easat-5254	385	11	.	.	PUNCT
easat-5254	386	1	[	[	X
easat-5254	386	2	42	42	NUM
easat-5254	386	3	]	]	PUNCT
easat-5254	386	4	t.	t.	PROPN
easat-5254	386	5	schneider	schneider	PROPN
easat-5254	386	6	,	,	PUNCT
easat-5254	386	7	p.	p.	PROPN
easat-5254	386	8	strahan	strahan	PROPN
easat-5254	386	9	,	,	PUNCT
easat-5254	386	10	and	and	CCONJ
easat-5254	386	11	j.	j.	PROPN
easat-5254	386	12	yang	yang	PROPN
easat-5254	386	13	,	,	PUNCT
easat-5254	386	14	"	"	PUNCT
easat-5254	386	15	bank	bank	NOUN
easat-5254	386	16	stress	stress	NOUN
easat-5254	386	17	testing	testing	NOUN
easat-5254	386	18	,	,	PUNCT
easat-5254	386	19	human	human	ADJ
easat-5254	386	20	capital	capital	NOUN
easat-5254	386	21	investment	investment	NOUN
easat-5254	386	22	and	and	CCONJ
easat-5254	386	23	risk	risk	NOUN
easat-5254	386	24	management	management	NOUN
easat-5254	386	25	,	,	PUNCT
easat-5254	386	26	"	"	PUNCT
easat-5254	386	27	national	national	ADJ
easat-5254	386	28	bureau	bureau	NOUN
easat-5254	386	29	of	of	ADP
easat-5254	386	30	economic	economic	ADJ
easat-5254	386	31	research	research	NOUN
easat-5254	386	32	.	.	PUNCT
easat-5254	387	1	https://doi.org/10.3386/w30867	https://doi.org/10.3386/w30867	PRON
easat-5254	387	2	,	,	PUNCT
easat-5254	387	3	2023	2023	NUM
easat-5254	387	4	.	.	PUNCT
easat-5254	388	1	[	[	X
easat-5254	388	2	43	43	NUM
easat-5254	388	3	]	]	PUNCT
easat-5254	388	4	a.	a.	NOUN
easat-5254	388	5	shleifer	shleifer	PROPN
easat-5254	388	6	and	and	CCONJ
easat-5254	388	7	r.	r.	PROPN
easat-5254	388	8	w.	w.	PROPN
easat-5254	388	9	vishny	vishny	PROPN
easat-5254	388	10	,	,	PUNCT
easat-5254	388	11	"	"	PUNCT
easat-5254	388	12	unstable	unstable	ADJ
easat-5254	388	13	banking	banking	NOUN
easat-5254	388	14	,	,	PUNCT
easat-5254	388	15	"	"	PUNCT
easat-5254	388	16	journal	journal	NOUN
easat-5254	388	17	of	of	ADP
easat-5254	388	18	financial	financial	ADJ
easat-5254	388	19	economics	economic	NOUN
easat-5254	388	20	,	,	PUNCT
easat-5254	388	21	vol	vol	NOUN
easat-5254	388	22	.	.	PROPN
easat-5254	388	23	97	97	NUM
easat-5254	388	24	,	,	PUNCT
easat-5254	388	25	no	no	INTJ
easat-5254	388	26	.	.	NOUN
easat-5254	388	27	3	3	NUM
easat-5254	388	28	,	,	PUNCT
easat-5254	388	29	pp	pp	ADJ
easat-5254	388	30	.	.	PUNCT
easat-5254	389	1	306	306	NUM
easat-5254	389	2	-	-	SYM
easat-5254	389	3	318	318	NUM
easat-5254	389	4	,	,	PUNCT
easat-5254	389	5	2010	2010	NUM
easat-5254	389	6	.	.	PUNCT
easat-5254	390	1	https://doi.org/10.1016/j.jfineco.2010.03.001	https://doi.org/10.1016/j.jfineco.2010.03.001	VERB
easat-5254	391	1	[	[	X
easat-5254	391	2	44	44	NUM
easat-5254	391	3	]	]	X
easat-5254	391	4	y.	y.	PROPN
easat-5254	391	5	sun	sun	PROPN
easat-5254	391	6	and	and	CCONJ
easat-5254	391	7	x.	x.	NOUN
easat-5254	391	8	tang	tang	PROPN
easat-5254	391	9	,	,	PUNCT
easat-5254	391	10	"	"	PUNCT
easat-5254	391	11	the	the	DET
easat-5254	391	12	impact	impact	NOUN
easat-5254	391	13	of	of	ADP
easat-5254	391	14	digital	digital	ADJ
easat-5254	391	15	inclusive	inclusive	ADJ
easat-5254	391	16	finance	finance	NOUN
easat-5254	391	17	on	on	ADP
easat-5254	391	18	sustainable	sustainable	ADJ
easat-5254	391	19	economic	economic	ADJ
easat-5254	391	20	growth	growth	NOUN
easat-5254	391	21	in	in	ADP
easat-5254	391	22	china	china	PROPN
easat-5254	391	23	,	,	PUNCT
easat-5254	391	24	"	"	PUNCT
easat-5254	391	25	finance	finance	NOUN
easat-5254	391	26	research	research	NOUN
easat-5254	391	27	letters	letter	NOUN
easat-5254	391	28	,	,	PUNCT
easat-5254	391	29	vol	vol	NOUN
easat-5254	391	30	.	.	PROPN
easat-5254	391	31	50	50	NUM
easat-5254	391	32	,	,	PUNCT
easat-5254	391	33	p.	p.	NOUN
easat-5254	391	34	103234	103234	NUM
easat-5254	391	35	,	,	PUNCT
easat-5254	391	36	2022	2022	NUM
easat-5254	391	37	.	.	PUNCT
easat-5254	392	1	https://doi.org/10.1016/j.frl.2022.103234	https://doi.org/10.1016/j.frl.2022.103234	PROPN
easat-5254	393	1	[	[	X
easat-5254	393	2	45	45	NUM
easat-5254	393	3	]	]	PUNCT
easat-5254	393	4	z.	z.	PROPN
easat-5254	393	5	temelkov	temelkov	PROPN
easat-5254	393	6	,	,	PUNCT
easat-5254	393	7	"	"	PUNCT
easat-5254	393	8	fintech	fintech	NOUN
easat-5254	393	9	firms	firm	NOUN
easat-5254	393	10	opportunity	opportunity	NOUN
easat-5254	393	11	or	or	CCONJ
easat-5254	393	12	threat	threat	NOUN
easat-5254	393	13	for	for	ADP
easat-5254	393	14	banks	bank	NOUN
easat-5254	393	15	?	?	PUNCT
easat-5254	393	16	,	,	PUNCT
easat-5254	393	17	"	"	PUNCT
easat-5254	393	18	international	international	ADJ
easat-5254	393	19	journal	journal	NOUN
easat-5254	393	20	of	of	ADP
easat-5254	393	21	information	information	NOUN
easat-5254	393	22	,	,	PUNCT
easat-5254	393	23	business	business	NOUN
easat-5254	393	24	and	and	CCONJ
easat-5254	393	25	management	management	NOUN
easat-5254	393	26	,	,	PUNCT
easat-5254	393	27	vol	vol	NOUN
easat-5254	393	28	.	.	PROPN
easat-5254	393	29	10	10	NUM
easat-5254	393	30	,	,	PUNCT
easat-5254	393	31	no	no	INTJ
easat-5254	393	32	.	.	NOUN
easat-5254	393	33	1	1	NUM
easat-5254	393	34	,	,	PUNCT
easat-5254	393	35	pp	pp	ADJ
easat-5254	393	36	.	.	PUNCT
easat-5254	393	37	137	137	NUM
easat-5254	393	38	-	-	SYM
easat-5254	393	39	143	143	NUM
easat-5254	393	40	,	,	PUNCT
easat-5254	393	41	2018	2018	NUM
easat-5254	393	42	.	.	PUNCT
easat-5254	394	1	[	[	X
easat-5254	394	2	46	46	NUM
easat-5254	394	3	]	]	PUNCT
easat-5254	394	4	a.	a.	NOUN
easat-5254	394	5	tobias	tobias	PROPN
easat-5254	394	6	and	and	CCONJ
easat-5254	394	7	m.	m.	PROPN
easat-5254	394	8	k.	k.	PROPN
easat-5254	394	9	brunnermeier	brunnermeier	PROPN
easat-5254	394	10	,	,	PUNCT
easat-5254	394	11	"	"	PUNCT
easat-5254	394	12	covar	covar	NOUN
easat-5254	394	13	,	,	PUNCT
easat-5254	394	14	"	"	PUNCT
easat-5254	394	15	the	the	DET
easat-5254	394	16	american	american	PROPN
easat-5254	394	17	economic	economic	PROPN
easat-5254	394	18	review	review	PROPN
easat-5254	394	19	,	,	PUNCT
easat-5254	394	20	vol	vol	NOUN
easat-5254	394	21	.	.	PROPN
easat-5254	394	22	106	106	NUM
easat-5254	394	23	,	,	PUNCT
easat-5254	394	24	no	no	INTJ
easat-5254	394	25	.	.	NOUN
easat-5254	394	26	7	7	NUM
easat-5254	394	27	,	,	PUNCT
easat-5254	394	28	pp	pp	ADJ
easat-5254	394	29	.	.	PUNCT
easat-5254	395	1	1705	1705	NUM
easat-5254	395	2	-	-	SYM
easat-5254	395	3	1721	1721	NUM
easat-5254	395	4	,	,	PUNCT
easat-5254	395	5	2016	2016	NUM
easat-5254	395	6	.	.	PUNCT
easat-5254	396	1	https://doi.org/10.1257/aer.20150575	https://doi.org/10.1257/aer.20150575	PRON
easat-5254	396	2	[	[	X
easat-5254	396	3	47	47	NUM
easat-5254	396	4	]	]	PUNCT
easat-5254	396	5	w.	w.	PROPN
easat-5254	396	6	wagner	wagner	PROPN
easat-5254	396	7	,	,	PUNCT
easat-5254	396	8	"	"	PUNCT
easat-5254	396	9	diversification	diversification	NOUN
easat-5254	396	10	at	at	ADP
easat-5254	396	11	financial	financial	ADJ
easat-5254	396	12	institutions	institution	NOUN
easat-5254	396	13	and	and	CCONJ
easat-5254	396	14	systemic	systemic	ADJ
easat-5254	396	15	crises	crisis	NOUN
easat-5254	396	16	,	,	PUNCT
easat-5254	396	17	"	"	PUNCT
easat-5254	396	18	journal	journal	NOUN
easat-5254	396	19	of	of	ADP
easat-5254	396	20	financial	financial	ADJ
easat-5254	396	21	intermediation	intermediation	NOUN
easat-5254	396	22	,	,	PUNCT
easat-5254	396	23	vol	vol	NOUN
easat-5254	396	24	.	.	PROPN
easat-5254	396	25	19	19	NUM
easat-5254	396	26	,	,	PUNCT
easat-5254	396	27	no	no	INTJ
easat-5254	396	28	.	.	NOUN
easat-5254	396	29	3	3	NUM
easat-5254	396	30	,	,	PUNCT
easat-5254	396	31	pp	pp	ADJ
easat-5254	396	32	.	.	PUNCT
easat-5254	397	1	373	373	NUM
easat-5254	397	2	-	-	SYM
easat-5254	397	3	386	386	NUM
easat-5254	397	4	,	,	PUNCT
easat-5254	397	5	2010	2010	NUM
easat-5254	397	6	.	.	PUNCT
easat-5254	398	1	https://doi.org/10.1016/j.jfi.2009.10.001	https://doi.org/10.1016/j.jfi.2009.10.001	PROPN
easat-5254	399	1	[	[	X
easat-5254	399	2	48	48	NUM
easat-5254	399	3	]	]	PUNCT
easat-5254	399	4	w.	w.	PROPN
easat-5254	399	5	wagner	wagner	PROPN
easat-5254	399	6	,	,	PUNCT
easat-5254	399	7	"	"	PUNCT
easat-5254	399	8	systemic	systemic	ADJ
easat-5254	399	9	liquidation	liquidation	NOUN
easat-5254	399	10	risk	risk	NOUN
easat-5254	399	11	and	and	CCONJ
easat-5254	399	12	the	the	DET
easat-5254	399	13	diversity	diversity	NOUN
easat-5254	399	14	–	–	PUNCT
easat-5254	399	15	diversification	diversification	NOUN
easat-5254	399	16	trade	trade	NOUN
easat-5254	399	17	-	-	PUNCT
easat-5254	399	18	off	off	NOUN
easat-5254	399	19	"	"	PUNCT
easat-5254	399	20	the	the	DET
easat-5254	399	21	journal	journal	NOUN
easat-5254	399	22	of	of	ADP
easat-5254	399	23	finance	finance	NOUN
easat-5254	399	24	,	,	PUNCT
easat-5254	399	25	vol	vol	NOUN
easat-5254	399	26	.	.	PROPN
easat-5254	399	27	66	66	NUM
easat-5254	399	28	,	,	PUNCT
easat-5254	399	29	no	no	INTJ
easat-5254	399	30	.	.	NOUN
easat-5254	399	31	4	4	NUM
easat-5254	399	32	,	,	PUNCT
easat-5254	399	33	pp	pp	ADJ
easat-5254	399	34	.	.	PUNCT
easat-5254	399	35	1141	1141	NUM
easat-5254	399	36	-	-	SYM
easat-5254	399	37	1175	1175	NUM
easat-5254	399	38	,	,	PUNCT
easat-5254	399	39	2011	2011	NUM
easat-5254	399	40	.	.	PUNCT
easat-5254	400	1	https://doi.org/10.1111/j.1540-6261.2011.01665.x	https://doi.org/10.1111/j.1540-6261.2011.01665.x	PROPN
easat-5254	400	2	[	[	X
easat-5254	400	3	49	49	NUM
easat-5254	400	4	]	]	PUNCT
easat-5254	400	5	j.	j.	PROPN
easat-5254	400	6	wang	wang	PROPN
easat-5254	400	7	,	,	PUNCT
easat-5254	400	8	y.	y.	PROPN
easat-5254	400	9	hu	hu	PROPN
easat-5254	400	10	,	,	PUNCT
easat-5254	400	11	and	and	CCONJ
easat-5254	400	12	z.	z.	PROPN
easat-5254	400	13	zhang	zhang	PROPN
easat-5254	400	14	,	,	PUNCT
easat-5254	400	15	"	"	PUNCT
easat-5254	400	16	skill	skill	NOUN
easat-5254	400	17	-	-	PUNCT
easat-5254	400	18	biased	bias	VERB
easat-5254	400	19	technological	technological	ADJ
easat-5254	400	20	change	change	NOUN
easat-5254	400	21	and	and	CCONJ
easat-5254	400	22	labor	labor	NOUN
easat-5254	400	23	market	market	NOUN
easat-5254	400	24	polarization	polarization	NOUN
easat-5254	400	25	in	in	ADP
easat-5254	400	26	china	china	PROPN
easat-5254	400	27	,	,	PUNCT
easat-5254	400	28	"	"	PUNCT
easat-5254	400	29	economic	economic	ADJ
easat-5254	400	30	modelling	modelling	NOUN
easat-5254	400	31	,	,	PUNCT
easat-5254	400	32	vol	vol	NOUN
easat-5254	400	33	.	.	NOUN
easat-5254	400	34	100	100	NUM
easat-5254	400	35	,	,	PUNCT
easat-5254	400	36	p.	p.	NOUN
easat-5254	400	37	105507	105507	NUM
easat-5254	400	38	,	,	PUNCT
easat-5254	400	39	2021	2021	NUM
easat-5254	400	40	.	.	PUNCT
easat-5254	401	1	https://doi.org/10.1016/j.econmod.2021.105507	https://doi.org/10.1016/j.econmod.2021.105507	VERB
easat-5254	402	1	[	[	X
easat-5254	402	2	50	50	NUM
easat-5254	402	3	]	]	X
easat-5254	402	4	y.	y.	PROPN
easat-5254	402	5	wang	wang	PROPN
easat-5254	402	6	,	,	PUNCT
easat-5254	402	7	s.	s.	PROPN
easat-5254	402	8	chen	chen	PROPN
easat-5254	402	9	,	,	PUNCT
easat-5254	402	10	and	and	CCONJ
easat-5254	402	11	x.	x.	NOUN
easat-5254	402	12	zhang	zhang	PROPN
easat-5254	402	13	,	,	PUNCT
easat-5254	402	14	"	"	PUNCT
easat-5254	402	15	measuring	measure	VERB
easat-5254	402	16	systemic	systemic	ADJ
easat-5254	402	17	financial	financial	ADJ
easat-5254	402	18	risk	risk	NOUN
easat-5254	402	19	and	and	CCONJ
easat-5254	402	20	analyzing	analyze	VERB
easat-5254	402	21	influential	influential	ADJ
easat-5254	402	22	factors	factor	NOUN
easat-5254	402	23	:	:	PUNCT
easat-5254	402	24	an	an	DET
easat-5254	402	25	extreme	extreme	ADJ
easat-5254	402	26	value	value	NOUN
easat-5254	402	27	approach	approach	NOUN
easat-5254	402	28	,	,	PUNCT
easat-5254	402	29	"	"	PUNCT
easat-5254	402	30	china	china	PROPN
easat-5254	402	31	finance	finance	PROPN
easat-5254	402	32	review	review	PROPN
easat-5254	402	33	international	international	ADJ
easat-5254	402	34	,	,	PUNCT
easat-5254	402	35	vol	vol	NOUN
easat-5254	402	36	.	.	PROPN
easat-5254	402	37	4	4	NUM
easat-5254	402	38	,	,	PUNCT
easat-5254	402	39	no	no	INTJ
easat-5254	402	40	.	.	NOUN
easat-5254	402	41	4	4	NUM
easat-5254	402	42	,	,	PUNCT
easat-5254	402	43	pp	pp	ADJ
easat-5254	402	44	.	.	PUNCT
easat-5254	403	1	385	385	NUM
easat-5254	403	2	-	-	SYM
easat-5254	403	3	398	398	NUM
easat-5254	403	4	,	,	PUNCT
easat-5254	403	5	2014	2014	NUM
easat-5254	403	6	.	.	PUNCT
easat-5254	404	1	https://doi.org/10.1108/cfri05-2013-0083	https://doi.org/10.1108/cfri05-2013-0083	X
easat-5254	405	1	[	[	X
easat-5254	405	2	51	51	NUM
easat-5254	405	3	]	]	PUNCT
easat-5254	405	4	s.	s.	PROPN
easat-5254	405	5	wu	wu	PROPN
easat-5254	405	6	,	,	PUNCT
easat-5254	405	7	m.	m.	PROPN
easat-5254	405	8	tong	tong	PROPN
easat-5254	405	9	,	,	PUNCT
easat-5254	405	10	z.	z.	PROPN
easat-5254	405	11	yang	yang	PROPN
easat-5254	405	12	,	,	PUNCT
easat-5254	405	13	and	and	CCONJ
easat-5254	405	14	t.	t.	PROPN
easat-5254	405	15	zhang	zhang	PROPN
easat-5254	405	16	,	,	PUNCT
easat-5254	405	17	"	"	PUNCT
easat-5254	405	18	interconnectedness	interconnectedness	NOUN
easat-5254	405	19	,	,	PUNCT
easat-5254	405	20	systemic	systemic	ADJ
easat-5254	405	21	risk	risk	NOUN
easat-5254	405	22	,	,	PUNCT
easat-5254	405	23	and	and	CCONJ
easat-5254	405	24	the	the	DET
easat-5254	405	25	influencing	influence	VERB
easat-5254	405	26	factors	factor	NOUN
easat-5254	405	27	:	:	PUNCT
easat-5254	405	28	some	some	DET
easat-5254	405	29	evidence	evidence	NOUN
easat-5254	405	30	from	from	ADP
easat-5254	405	31	china	china	PROPN
easat-5254	405	32	’s	’s	PART
easat-5254	405	33	financial	financial	ADJ
easat-5254	405	34	institutions	institution	NOUN
easat-5254	405	35	,	,	PUNCT
easat-5254	405	36	"	"	PUNCT
easat-5254	405	37	physica	physica	NOUN
easat-5254	405	38	a	a	DET
easat-5254	405	39	:	:	PUNCT
easat-5254	405	40	statistical	statistical	ADJ
easat-5254	405	41	mechanics	mechanic	NOUN
easat-5254	405	42	and	and	CCONJ
easat-5254	405	43	its	its	PRON
easat-5254	405	44	applications	application	NOUN
easat-5254	405	45	,	,	PUNCT
easat-5254	405	46	vol	vol	NOUN
easat-5254	405	47	.	.	PROPN
easat-5254	406	1	569	569	NUM
easat-5254	406	2	,	,	PUNCT
easat-5254	406	3	p.	p.	NOUN
easat-5254	406	4	125765	125765	NUM
easat-5254	406	5	,	,	PUNCT
easat-5254	406	6	2021	2021	NUM
easat-5254	406	7	.	.	PUNCT
easat-5254	407	1	https://doi.org/10.1016/j.physa.2020.125765	https://doi.org/10.1016/j.physa.2020.125765	PROPN
easat-5254	408	1	[	[	X
easat-5254	408	2	52	52	NUM
easat-5254	408	3	]	]	PUNCT
easat-5254	408	4	q.	q.	PROPN
easat-5254	408	5	xu	xu	PROPN
easat-5254	408	6	,	,	PUNCT
easat-5254	408	7	l.	l.	PROPN
easat-5254	408	8	chen	chen	PROPN
easat-5254	408	9	,	,	PUNCT
easat-5254	408	10	c.	c.	PROPN
easat-5254	408	11	jiang	jiang	PROPN
easat-5254	408	12	,	,	PUNCT
easat-5254	408	13	and	and	CCONJ
easat-5254	408	14	j.	j.	PROPN
easat-5254	408	15	yuan	yuan	PROPN
easat-5254	408	16	,	,	PUNCT
easat-5254	408	17	"	"	PUNCT
easat-5254	408	18	measuring	measure	VERB
easat-5254	408	19	systemic	systemic	ADJ
easat-5254	408	20	risk	risk	NOUN
easat-5254	408	21	of	of	ADP
easat-5254	408	22	the	the	DET
easat-5254	408	23	banking	banking	NOUN
easat-5254	408	24	industry	industry	NOUN
easat-5254	408	25	in	in	ADP
easat-5254	408	26	china	china	PROPN
easat-5254	408	27	:	:	PUNCT
easat-5254	408	28	a	a	DET
easat-5254	408	29	dcc	dcc	PROPN
easat-5254	408	30	-	-	PUNCT
easat-5254	408	31	midas	midas	PROPN
easat-5254	408	32	-	-	PUNCT
easat-5254	408	33	t	t	PROPN
easat-5254	408	34	approach	approach	NOUN
easat-5254	408	35	,	,	PUNCT
easat-5254	408	36	"	"	PUNCT
easat-5254	408	37	pacific	pacific	ADJ
easat-5254	408	38	-	-	PUNCT
easat-5254	408	39	basin	basin	NOUN
easat-5254	408	40	finance	finance	NOUN
easat-5254	408	41	journal	journal	NOUN
easat-5254	408	42	,	,	PUNCT
easat-5254	408	43	vol	vol	NOUN
easat-5254	408	44	.	.	PROPN
easat-5254	409	1	51	51	NUM
easat-5254	409	2	,	,	PUNCT
easat-5254	409	3	pp	pp	ADJ
easat-5254	409	4	.	.	PUNCT
easat-5254	410	1	13	13	NUM
easat-5254	410	2	-	-	SYM
easat-5254	410	3	31	31	NUM
easat-5254	410	4	,	,	PUNCT
easat-5254	410	5	2018	2018	NUM
easat-5254	410	6	.	.	PUNCT
easat-5254	411	1	https://doi.org/10.1016/j.pacfin.2017.11.008	https://doi.org/10.1016/j.pacfin.2017.11.008	NOUN
easat-5254	411	2	[	[	X
easat-5254	411	3	53	53	NUM
easat-5254	411	4	]	]	PUNCT
easat-5254	411	5	c.-h	c.-h	PROPN
easat-5254	411	6	.	.	PUNCT
easat-5254	412	1	yang	yang	PROPN
easat-5254	412	2	,	,	PUNCT
easat-5254	412	3	"	"	PUNCT
easat-5254	412	4	how	how	SCONJ
easat-5254	412	5	artificial	artificial	ADJ
easat-5254	412	6	intelligence	intelligence	NOUN
easat-5254	412	7	technology	technology	NOUN
easat-5254	412	8	affects	affect	VERB
easat-5254	412	9	productivity	productivity	NOUN
easat-5254	412	10	and	and	CCONJ
easat-5254	412	11	employment	employment	NOUN
easat-5254	412	12	:	:	PUNCT
easat-5254	412	13	firm	firm	ADJ
easat-5254	412	14	-	-	PUNCT
easat-5254	412	15	level	level	NOUN
easat-5254	412	16	evidence	evidence	NOUN
easat-5254	412	17	from	from	ADP
easat-5254	412	18	taiwan	taiwan	PROPN
easat-5254	412	19	,	,	PUNCT
easat-5254	412	20	"	"	PUNCT
easat-5254	412	21	research	research	NOUN
easat-5254	412	22	policy	policy	NOUN
easat-5254	412	23	,	,	PUNCT
easat-5254	412	24	vol	vol	NOUN
easat-5254	412	25	.	.	PROPN
easat-5254	412	26	51	51	NUM
easat-5254	412	27	,	,	PUNCT
easat-5254	412	28	no	no	INTJ
easat-5254	412	29	.	.	NOUN
easat-5254	412	30	6	6	NUM
easat-5254	412	31	,	,	PUNCT
easat-5254	412	32	p.	p.	NOUN
easat-5254	412	33	104536	104536	NUM
easat-5254	412	34	,	,	PUNCT
easat-5254	412	35	2022	2022	NUM
easat-5254	412	36	.	.	PUNCT
easat-5254	413	1	https://doi.org/10.1016/j.respol.2022.104536	https://doi.org/10.1016/j.respol.2022.104536	NOUN
easat-5254	413	2	[	[	X
easat-5254	413	3	54	54	NUM
easat-5254	413	4	]	]	PUNCT
easat-5254	413	5	d.	d.	PROPN
easat-5254	413	6	zhang	zhang	PROPN
easat-5254	413	7	,	,	PUNCT
easat-5254	413	8	s.	s.	PROPN
easat-5254	413	9	mishra	mishra	PROPN
easat-5254	413	10	,	,	PUNCT
easat-5254	413	11	and	and	CCONJ
easat-5254	413	12	e.	e.	PROPN
easat-5254	413	13	brynjolfsson	brynjolfsson	PROPN
easat-5254	413	14	,	,	PUNCT
easat-5254	413	15	"	"	PUNCT
easat-5254	413	16	artificial	artificial	ADJ
easat-5254	413	17	intelligence	intelligence	NOUN
easat-5254	413	18	index	index	NOUN
easat-5254	413	19	report	report	NOUN
easat-5254	413	20	,	,	PUNCT
easat-5254	413	21	"	"	PUNCT
easat-5254	413	22	stanford	stanford	PROPN
easat-5254	413	23	institute	institute	PROPN
easat-5254	413	24	for	for	ADP
easat-5254	413	25	human	human	NOUN
easat-5254	413	26	-	-	PUNCT
easat-5254	413	27	centered	center	VERB
easat-5254	413	28	artificial	artificial	ADJ
easat-5254	413	29	intelligence	intelligence	NOUN
easat-5254	413	30	,	,	PUNCT
easat-5254	413	31	vol	vol	NOUN
easat-5254	413	32	.	.	PROPN
easat-5254	413	33	1	1	NUM
easat-5254	413	34	,	,	PUNCT
easat-5254	413	35	pp	pp	ADJ
easat-5254	413	36	.	.	PUNCT
easat-5254	414	1	1	1	NUM
easat-5254	414	2	-	-	SYM
easat-5254	414	3	230	230	NUM
easat-5254	414	4	,	,	PUNCT
easat-5254	414	5	2022	2022	NUM
easat-5254	414	6	.	.	PUNCT
easat-5254	415	1	[	[	X
easat-5254	415	2	55	55	NUM
easat-5254	415	3	]	]	PUNCT
easat-5254	415	4	z.	z.	PROPN
easat-5254	415	5	zhang	zhang	PROPN
easat-5254	415	6	,	,	PUNCT
easat-5254	415	7	d.	d.	PROPN
easat-5254	415	8	zhang	zhang	PROPN
easat-5254	415	9	,	,	PUNCT
easat-5254	415	10	f.	f.	PROPN
easat-5254	415	11	wu	wu	PROPN
easat-5254	415	12	,	,	PUNCT
easat-5254	415	13	and	and	CCONJ
easat-5254	415	14	q.	q.	PROPN
easat-5254	415	15	ji	ji	PROPN
easat-5254	415	16	,	,	PUNCT
easat-5254	415	17	"	"	PUNCT
easat-5254	415	18	systemic	systemic	ADJ
easat-5254	415	19	risk	risk	NOUN
easat-5254	415	20	in	in	ADP
easat-5254	415	21	the	the	DET
easat-5254	415	22	chinese	chinese	ADJ
easat-5254	415	23	financial	financial	ADJ
easat-5254	415	24	system	system	NOUN
easat-5254	415	25	:	:	PUNCT
easat-5254	415	26	a	a	DET
easat-5254	415	27	copula	copula	NOUN
easat-5254	415	28	-	-	PUNCT
easat-5254	415	29	based	base	VERB
easat-5254	415	30	network	network	NOUN
easat-5254	415	31	approach	approach	NOUN
easat-5254	415	32	,	,	PUNCT
easat-5254	415	33	"	"	PUNCT
easat-5254	415	34	international	international	ADJ
easat-5254	415	35	journal	journal	NOUN
easat-5254	415	36	of	of	ADP
easat-5254	415	37	finance	finance	PROPN
easat-5254	415	38	&	&	CCONJ
easat-5254	415	39	economics	economic	NOUN
easat-5254	415	40	,	,	PUNCT
easat-5254	415	41	vol	vol	NOUN
easat-5254	415	42	.	.	PROPN
easat-5254	415	43	26	26	NUM
easat-5254	415	44	,	,	PUNCT
easat-5254	415	45	no	no	INTJ
easat-5254	415	46	.	.	NOUN
easat-5254	415	47	2	2	NUM
easat-5254	415	48	,	,	PUNCT
easat-5254	415	49	pp	pp	ADJ
easat-5254	415	50	.	.	PUNCT
easat-5254	415	51	2044	2044	NUM
easat-5254	415	52	-	-	SYM
easat-5254	415	53	2063	2063	NUM
easat-5254	415	54	,	,	PUNCT
easat-5254	415	55	2021	2021	NUM
easat-5254	415	56	.	.	PUNCT
easat-5254	416	1	https://doi.org/10.1002/ijfe.1820	https://doi.org/10.1002/ijfe.1820	NOUN
easat-5254	417	1	https://doi.org/10.1016/j.frl.2019.101316	https://doi.org/10.1016/j.frl.2019.101316	PROPN
easat-5254	417	2	https://doi.org/10.1016/j.econlet.2020.109312	https://doi.org/10.1016/j.econlet.2020.109312	ADJ
easat-5254	417	3	https://doi.org/10.23683/2073-6606-2020-18-4-78-96	https://doi.org/10.23683/2073-6606-2020-18-4-78-96	NOUN
easat-5254	417	4	https://doi.org/10.1007/978-3-030-60416-3_15	https://doi.org/10.1007/978-3-030-60416-3_15	PUNCT
easat-5254	417	5	https://doi.org/10.1038/s41467-022-34199-0	https://doi.org/10.1038/s41467-022-34199-0	NOUN
easat-5254	417	6	https://doi.org/10.1145/3233137	https://doi.org/10.1145/3233137	ADJ
easat-5254	417	7	https://doi.org/10.1007/s11356-022-22599-4	https://doi.org/10.1007/s11356-022-22599-4	NUM
easat-5254	418	1	https://doi.org/10.3386/w30867	https://doi.org/10.3386/w30867	NUM
easat-5254	418	2	https://doi.org/10.1016/j.jfineco.2010.03.001	https://doi.org/10.1016/j.jfineco.2010.03.001	ADJ
easat-5254	418	3	https://doi.org/10.1016/j.frl.2022.103234	https://doi.org/10.1016/j.frl.2022.103234	PUNCT
easat-5254	418	4	https://doi.org/10.1257/aer.20150575	https://doi.org/10.1257/aer.20150575	PROPN
easat-5254	418	5	https://doi.org/10.1016/j.jfi.2009.10.001	https://doi.org/10.1016/j.jfi.2009.10.001	VERB
easat-5254	418	6	https://doi.org/10.1111/j.1540-6261.2011.01665.x	https://doi.org/10.1111/j.1540-6261.2011.01665.x	PROPN
easat-5254	418	7	https://doi.org/10.1016/j.econmod.2021.105507	https://doi.org/10.1016/j.econmod.2021.105507	PROPN
easat-5254	418	8	https://doi.org/10.1108/cfri-05-2013-0083	https://doi.org/10.1108/cfri-05-2013-0083	PROPN
easat-5254	418	9	https://doi.org/10.1108/cfri-05-2013-0083	https://doi.org/10.1108/cfri-05-2013-0083	PROPN
easat-5254	419	1	https://doi.org/10.1016/j.physa.2020.125765	https://doi.org/10.1016/j.physa.2020.125765	PROPN
easat-5254	419	2	https://doi.org/10.1016/j.pacfin.2017.11.008	https://doi.org/10.1016/j.pacfin.2017.11.008	PROPN
easat-5254	419	3	https://doi.org/10.1016/j.respol.2022.104536	https://doi.org/10.1016/j.respol.2022.104536	PROPN
easat-5254	419	4	https://doi.org/10.1002/ijfe.1820	https://doi.org/10.1002/ijfe.1820	NOUN