id	sid	tid	token	lemma	pos
easat-8057	1	1	edelweiss	edelweiss	PROPN
easat-8057	1	2	applied	apply	VERB
easat-8057	1	3	science	science	NOUN
easat-8057	1	4	and	and	CCONJ
easat-8057	1	5	technology	technology	NOUN
easat-8057	1	6	issn	issn	PROPN
easat-8057	1	7	:	:	PUNCT
easat-8057	1	8	2576	2576	NUM
easat-8057	1	9	-	-	SYM
easat-8057	1	10	8484	8484	NUM
easat-8057	1	11	vol	vol	NOUN
easat-8057	1	12	.	.	PROPN
easat-8057	2	1	9	9	NUM
easat-8057	2	2	,	,	PUNCT
easat-8057	2	3	no	no	INTJ
easat-8057	2	4	.	.	NOUN
easat-8057	2	5	6	6	NUM
easat-8057	2	6	,	,	PUNCT
easat-8057	2	7	1160	1160	NUM
easat-8057	2	8	-	-	SYM
easat-8057	2	9	1171	1171	NUM
easat-8057	2	10	2025	2025	NUM
easat-8057	2	11	publisher	publisher	NOUN
easat-8057	2	12	:	:	PUNCT
easat-8057	2	13	learning	learn	VERB
easat-8057	2	14	gate	gate	NOUN
easat-8057	2	15	doi	doi	PROPN
easat-8057	2	16	:	:	PUNCT
easat-8057	2	17	10.55214/25768484.v9i6.8057	10.55214/25768484.v9i6.8057	NUM
easat-8057	2	18	©	©	PROPN
easat-8057	2	19	2025	2025	NUM
easat-8057	2	20	by	by	ADP
easat-8057	2	21	the	the	DET
easat-8057	2	22	authors	author	NOUN
easat-8057	2	23	;	;	PUNCT
easat-8057	2	24	licensee	licensee	PROPN
easat-8057	2	25	learning	learning	NOUN
easat-8057	2	26	gate	gate	NOUN
easat-8057	3	1	©	©	PROPN
easat-8057	3	2	2025	2025	NUM
easat-8057	3	3	by	by	ADP
easat-8057	3	4	the	the	DET
easat-8057	3	5	authors	author	NOUN
easat-8057	3	6	;	;	PUNCT
easat-8057	3	7	licensee	licensee	PROPN
easat-8057	3	8	learning	learning	NOUN
easat-8057	3	9	gate	gate	NOUN
easat-8057	3	10	history	history	NOUN
easat-8057	3	11	:	:	PUNCT
easat-8057	3	12	received	receive	VERB
easat-8057	3	13	:	:	PUNCT
easat-8057	3	14	1	1	NUM
easat-8057	3	15	april	april	PROPN
easat-8057	3	16	2025	2025	NUM
easat-8057	3	17	;	;	PUNCT
easat-8057	3	18	revised	revise	VERB
easat-8057	3	19	:	:	PUNCT
easat-8057	3	20	22	22	NUM
easat-8057	3	21	may	may	PROPN
easat-8057	3	22	2025	2025	NUM
easat-8057	3	23	;	;	PUNCT
easat-8057	3	24	accepted	accept	VERB
easat-8057	3	25	:	:	PUNCT
easat-8057	3	26	26	26	NUM
easat-8057	3	27	may	may	PROPN
easat-8057	3	28	2025	2025	NUM
easat-8057	3	29	;	;	PUNCT
easat-8057	3	30	published	publish	VERB
easat-8057	3	31	:	:	PUNCT
easat-8057	3	32	14	14	NUM
easat-8057	3	33	june	june	PROPN
easat-8057	3	34	2025	2025	NUM
easat-8057	3	35	*	*	PUNCT
easat-8057	3	36	correspondence	correspondence	NOUN
easat-8057	3	37	:	:	PUNCT
easat-8057	3	38	ruzitaar@ukm.edu.my	ruzitaar@ukm.edu.my	VERB
easat-8057	3	39	the	the	DET
easat-8057	3	40	relationship	relationship	NOUN
easat-8057	3	41	between	between	ADP
easat-8057	3	42	digital	digital	ADJ
easat-8057	3	43	finance	finance	NOUN
easat-8057	3	44	and	and	CCONJ
easat-8057	3	45	capital	capital	NOUN
easat-8057	3	46	structure	structure	NOUN
easat-8057	3	47	:	:	PUNCT
easat-8057	3	48	a	a	DET
easat-8057	3	49	conceptual	conceptual	ADJ
easat-8057	3	50	paper	paper	NOUN
easat-8057	3	51	liang	liang	PROPN
easat-8057	3	52	dianjie1	dianjie1	PROPN
easat-8057	3	53	,	,	PUNCT
easat-8057	3	54	ruzita	ruzita	PROPN
easat-8057	3	55	abdul	abdul	PROPN
easat-8057	3	56	rahim2	rahim2	PROPN
easat-8057	3	57	*	*	PROPN
easat-8057	3	58	1,2faculty	1,2faculty	NUM
easat-8057	3	59	of	of	ADP
easat-8057	3	60	economics	economic	NOUN
easat-8057	3	61	and	and	CCONJ
easat-8057	3	62	management	management	NOUN
easat-8057	3	63	,	,	PUNCT
easat-8057	3	64	universiti	universiti	PROPN
easat-8057	3	65	kebangsaan	kebangsaan	PROPN
easat-8057	3	66	malaysia	malaysia	PROPN
easat-8057	3	67	;	;	PUNCT
easat-8057	3	68	p112941@siswa.ukm.edu.my	p112941@siswa.ukm.edu.my	NOUN
easat-8057	3	69	(	(	PUNCT
easat-8057	3	70	l.d	l.d	NOUN
easat-8057	3	71	)	)	PUNCT
easat-8057	3	72	ruzitaar@ukm.edu.my	ruzitaar@ukm.edu.my	NOUN
easat-8057	3	73	(	(	PUNCT
easat-8057	3	74	r.a.r	r.a.r	NOUN
easat-8057	3	75	.	.	PUNCT
easat-8057	3	76	)	)	PUNCT
easat-8057	3	77	.	.	PUNCT
easat-8057	4	1	abstract	abstract	ADV
easat-8057	4	2	:	:	PUNCT
easat-8057	4	3	the	the	DET
easat-8057	4	4	rapid	rapid	ADJ
easat-8057	4	5	development	development	NOUN
easat-8057	4	6	of	of	ADP
easat-8057	4	7	digital	digital	ADJ
easat-8057	4	8	finance	finance	NOUN
easat-8057	4	9	has	have	VERB
easat-8057	4	10	significant	significant	ADJ
easat-8057	4	11	implications	implication	NOUN
easat-8057	4	12	for	for	ADP
easat-8057	4	13	corporate	corporate	ADJ
easat-8057	4	14	capital	capital	NOUN
easat-8057	4	15	structure	structure	NOUN
easat-8057	4	16	decisions	decision	NOUN
easat-8057	4	17	.	.	PUNCT
easat-8057	5	1	this	this	DET
easat-8057	5	2	conceptual	conceptual	ADJ
easat-8057	5	3	paper	paper	NOUN
easat-8057	5	4	explores	explore	VERB
easat-8057	5	5	the	the	DET
easat-8057	5	6	influence	influence	NOUN
easat-8057	5	7	of	of	ADP
easat-8057	5	8	digital	digital	ADJ
easat-8057	5	9	finance	finance	NOUN
easat-8057	5	10	on	on	ADP
easat-8057	5	11	capital	capital	NOUN
easat-8057	5	12	structure	structure	NOUN
easat-8057	5	13	in	in	ADP
easat-8057	5	14	the	the	DET
easat-8057	5	15	new	new	ADJ
easat-8057	5	16	digital	digital	ADJ
easat-8057	5	17	environment	environment	NOUN
easat-8057	5	18	,	,	PUNCT
easat-8057	5	19	focusing	focus	VERB
easat-8057	5	20	on	on	ADP
easat-8057	5	21	how	how	SCONJ
easat-8057	5	22	digital	digital	ADJ
easat-8057	5	23	finance	finance	NOUN
easat-8057	5	24	innovations	innovation	NOUN
easat-8057	5	25	impact	impact	NOUN
easat-8057	5	26	firms	firm	NOUN
easat-8057	5	27	'	'	PART
easat-8057	5	28	financing	financing	NOUN
easat-8057	5	29	decisions	decision	NOUN
easat-8057	5	30	.	.	PUNCT
easat-8057	6	1	digital	digital	ADJ
easat-8057	6	2	finance	finance	NOUN
easat-8057	6	3	,	,	PUNCT
easat-8057	6	4	including	include	VERB
easat-8057	6	5	innovations	innovation	NOUN
easat-8057	6	6	like	like	ADP
easat-8057	6	7	mobile	mobile	NOUN
easat-8057	6	8	banking	banking	NOUN
easat-8057	6	9	and	and	CCONJ
easat-8057	6	10	blockchain	blockchain	PROPN
easat-8057	6	11	,	,	PUNCT
easat-8057	6	12	has	have	AUX
easat-8057	6	13	transformed	transform	VERB
easat-8057	6	14	the	the	DET
easat-8057	6	15	financial	financial	ADJ
easat-8057	6	16	market	market	NOUN
easat-8057	6	17	.	.	PUNCT
easat-8057	7	1	it	it	PRON
easat-8057	7	2	has	have	AUX
easat-8057	7	3	profoundly	profoundly	ADV
easat-8057	7	4	changed	change	VERB
easat-8057	7	5	traditional	traditional	ADJ
easat-8057	7	6	financial	financial	ADJ
easat-8057	7	7	institutions	institution	NOUN
easat-8057	7	8	and	and	CCONJ
easat-8057	7	9	enterprises	enterprise	NOUN
easat-8057	7	10	by	by	ADP
easat-8057	7	11	providing	provide	VERB
easat-8057	7	12	broader	broad	ADJ
easat-8057	7	13	access	access	NOUN
easat-8057	7	14	to	to	ADP
easat-8057	7	15	financial	financial	ADJ
easat-8057	7	16	services	service	NOUN
easat-8057	7	17	at	at	ADP
easat-8057	7	18	lower	low	ADJ
easat-8057	7	19	costs	cost	NOUN
easat-8057	7	20	and	and	CCONJ
easat-8057	7	21	easing	ease	VERB
easat-8057	7	22	financial	financial	ADJ
easat-8057	7	23	constraints	constraint	NOUN
easat-8057	7	24	.	.	PUNCT
easat-8057	8	1	capital	capital	NOUN
easat-8057	8	2	structure	structure	NOUN
easat-8057	8	3	,	,	PUNCT
easat-8057	8	4	the	the	DET
easat-8057	8	5	combination	combination	NOUN
easat-8057	8	6	of	of	ADP
easat-8057	8	7	debt	debt	NOUN
easat-8057	8	8	and	and	CCONJ
easat-8057	8	9	equity	equity	NOUN
easat-8057	8	10	financing	financing	NOUN
easat-8057	8	11	,	,	PUNCT
easat-8057	8	12	significantly	significantly	ADV
easat-8057	8	13	affects	affect	VERB
easat-8057	8	14	a	a	DET
easat-8057	8	15	firm	firm	NOUN
easat-8057	8	16	's	's	PART
easat-8057	8	17	risk	risk	NOUN
easat-8057	8	18	and	and	CCONJ
easat-8057	8	19	financial	financial	ADJ
easat-8057	8	20	performance	performance	NOUN
easat-8057	8	21	.	.	PUNCT
easat-8057	9	1	traditional	traditional	ADJ
easat-8057	9	2	capital	capital	NOUN
easat-8057	9	3	structure	structure	NOUN
easat-8057	9	4	theories	theory	NOUN
easat-8057	9	5	may	may	AUX
easat-8057	9	6	need	need	VERB
easat-8057	9	7	re	re	NOUN
easat-8057	9	8	-	-	NOUN
easat-8057	9	9	examination	examination	NOUN
easat-8057	9	10	due	due	ADP
easat-8057	9	11	to	to	ADP
easat-8057	9	12	digital	digital	ADJ
easat-8057	9	13	finance	finance	NOUN
easat-8057	9	14	's	's	PART
easat-8057	9	15	impact	impact	NOUN
easat-8057	9	16	.	.	PUNCT
easat-8057	10	1	through	through	ADP
easat-8057	10	2	a	a	DET
easat-8057	10	3	synthesis	synthesis	NOUN
easat-8057	10	4	of	of	ADP
easat-8057	10	5	existing	exist	VERB
easat-8057	10	6	literature	literature	NOUN
easat-8057	10	7	,	,	PUNCT
easat-8057	10	8	the	the	DET
easat-8057	10	9	study	study	NOUN
easat-8057	10	10	reveals	reveal	VERB
easat-8057	10	11	that	that	SCONJ
easat-8057	10	12	digital	digital	ADJ
easat-8057	10	13	finance	finance	NOUN
easat-8057	10	14	enhances	enhance	VERB
easat-8057	10	15	firms	firm	NOUN
easat-8057	10	16	’	'	PUNCT
easat-8057	10	17	access	access	NOUN
easat-8057	10	18	to	to	ADP
easat-8057	10	19	external	external	ADJ
easat-8057	10	20	financing	financing	NOUN
easat-8057	10	21	,	,	PUNCT
easat-8057	10	22	reduces	reduce	VERB
easat-8057	10	23	financing	financing	NOUN
easat-8057	10	24	costs	cost	NOUN
easat-8057	10	25	,	,	PUNCT
easat-8057	10	26	and	and	CCONJ
easat-8057	10	27	strengthens	strengthen	VERB
easat-8057	10	28	governance	governance	NOUN
easat-8057	10	29	through	through	ADP
easat-8057	10	30	improved	improve	VERB
easat-8057	10	31	transparency	transparency	NOUN
easat-8057	10	32	and	and	CCONJ
easat-8057	10	33	monitoring	monitoring	NOUN
easat-8057	10	34	.	.	PUNCT
easat-8057	11	1	these	these	DET
easat-8057	11	2	mechanisms	mechanism	NOUN
easat-8057	11	3	enable	enable	VERB
easat-8057	11	4	firms	firm	NOUN
easat-8057	11	5	to	to	PART
easat-8057	11	6	optimize	optimize	VERB
easat-8057	11	7	capital	capital	NOUN
easat-8057	11	8	structure	structure	NOUN
easat-8057	11	9	,	,	PUNCT
easat-8057	11	10	spur	spur	VERB
easat-8057	11	11	innovation	innovation	NOUN
easat-8057	11	12	,	,	PUNCT
easat-8057	11	13	and	and	CCONJ
easat-8057	11	14	improve	improve	VERB
easat-8057	11	15	esg	esg	NOUN
easat-8057	11	16	performance	performance	NOUN
easat-8057	11	17	.	.	PUNCT
easat-8057	12	1	the	the	DET
easat-8057	12	2	study	study	NOUN
easat-8057	12	3	further	further	ADJ
easat-8057	12	4	highlights	highlight	NOUN
easat-8057	12	5	digital	digital	ADJ
easat-8057	12	6	finance	finance	NOUN
easat-8057	12	7	in	in	ADP
easat-8057	12	8	fostering	foster	VERB
easat-8057	12	9	entrepreneurial	entrepreneurial	ADJ
easat-8057	12	10	activity	activity	NOUN
easat-8057	12	11	.	.	PUNCT
easat-8057	13	1	based	base	VERB
easat-8057	13	2	on	on	ADP
easat-8057	13	3	the	the	DET
easat-8057	13	4	findings	finding	NOUN
easat-8057	13	5	,	,	PUNCT
easat-8057	13	6	this	this	DET
easat-8057	13	7	paper	paper	NOUN
easat-8057	13	8	proposes	propose	VERB
easat-8057	13	9	a	a	DET
easat-8057	13	10	theoretical	theoretical	ADJ
easat-8057	13	11	framework	framework	NOUN
easat-8057	13	12	to	to	PART
easat-8057	13	13	understand	understand	VERB
easat-8057	13	14	digital	digital	ADJ
easat-8057	13	15	finance	finance	NOUN
easat-8057	13	16	's	's	PART
easat-8057	13	17	role	role	NOUN
easat-8057	13	18	in	in	ADP
easat-8057	13	19	capital	capital	NOUN
easat-8057	13	20	structure	structure	NOUN
easat-8057	13	21	,	,	PUNCT
easat-8057	13	22	providing	provide	VERB
easat-8057	13	23	valuable	valuable	ADJ
easat-8057	13	24	insights	insight	NOUN
easat-8057	13	25	for	for	ADP
easat-8057	13	26	academics	academic	NOUN
easat-8057	13	27	and	and	CCONJ
easat-8057	13	28	practitioners	practitioner	NOUN
easat-8057	13	29	in	in	ADP
easat-8057	13	30	corporate	corporate	ADJ
easat-8057	13	31	finance	finance	NOUN
easat-8057	13	32	,	,	PUNCT
easat-8057	13	33	such	such	ADJ
easat-8057	13	34	as	as	ADP
easat-8057	13	35	the	the	DET
easat-8057	13	36	role	role	NOUN
easat-8057	13	37	of	of	ADP
easat-8057	13	38	digital	digital	ADJ
easat-8057	13	39	finance	finance	NOUN
easat-8057	13	40	in	in	ADP
easat-8057	13	41	deleveraging	deleverage	VERB
easat-8057	13	42	campaigns	campaign	NOUN
easat-8057	13	43	.	.	PUNCT
easat-8057	14	1	keywords	keyword	NOUN
easat-8057	14	2	:	:	PUNCT
easat-8057	14	3	capital	capital	NOUN
easat-8057	14	4	structure	structure	NOUN
easat-8057	14	5	,	,	PUNCT
easat-8057	14	6	digital	digital	ADJ
easat-8057	14	7	finance	finance	NOUN
easat-8057	14	8	,	,	PUNCT
easat-8057	14	9	financial	financial	ADJ
easat-8057	14	10	constraints	constraint	NOUN
easat-8057	14	11	,	,	PUNCT
easat-8057	14	12	information	information	NOUN
easat-8057	14	13	asymmetry	asymmetry	NOUN
easat-8057	14	14	.	.	PUNCT
easat-8057	15	1	1	1	X
easat-8057	15	2	.	.	X
easat-8057	15	3	introduction	introduction	NOUN
easat-8057	15	4	the	the	DET
easat-8057	15	5	digital	digital	ADJ
easat-8057	15	6	finance	finance	NOUN
easat-8057	15	7	has	have	AUX
easat-8057	15	8	transformed	transform	VERB
easat-8057	15	9	the	the	DET
easat-8057	15	10	financial	financial	ADJ
easat-8057	15	11	market	market	NOUN
easat-8057	15	12	and	and	CCONJ
easat-8057	15	13	brought	bring	VERB
easat-8057	15	14	new	new	ADJ
easat-8057	15	15	financial	financial	ADJ
easat-8057	15	16	services	service	NOUN
easat-8057	15	17	.	.	PUNCT
easat-8057	16	1	digital	digital	ADJ
easat-8057	16	2	finance	finance	NOUN
easat-8057	16	3	includes	include	VERB
easat-8057	16	4	innovations	innovation	NOUN
easat-8057	16	5	such	such	ADJ
easat-8057	16	6	as	as	ADP
easat-8057	16	7	mobile	mobile	ADJ
easat-8057	16	8	banking	banking	NOUN
easat-8057	16	9	,	,	PUNCT
easat-8057	16	10	digital	digital	ADJ
easat-8057	16	11	payments	payment	NOUN
easat-8057	16	12	,	,	PUNCT
easat-8057	16	13	blockchain	blockchain	NOUN
easat-8057	16	14	,	,	PUNCT
easat-8057	16	15	and	and	CCONJ
easat-8057	16	16	big	big	ADJ
easat-8057	16	17	data	datum	NOUN
easat-8057	16	18	.	.	PUNCT
easat-8057	17	1	while	while	SCONJ
easat-8057	17	2	improving	improve	VERB
easat-8057	17	3	financial	financial	ADJ
easat-8057	17	4	services	service	NOUN
easat-8057	17	5	and	and	CCONJ
easat-8057	17	6	efficiency	efficiency	NOUN
easat-8057	17	7	,	,	PUNCT
easat-8057	17	8	these	these	DET
easat-8057	17	9	advancements	advancement	NOUN
easat-8057	17	10	also	also	ADV
easat-8057	17	11	present	present	VERB
easat-8057	17	12	new	new	ADJ
easat-8057	17	13	challenges	challenge	NOUN
easat-8057	17	14	and	and	CCONJ
easat-8057	17	15	opportunities	opportunity	NOUN
easat-8057	17	16	for	for	ADP
easat-8057	17	17	corporate	corporate	ADJ
easat-8057	17	18	finance	finance	NOUN
easat-8057	17	19	,	,	PUNCT
easat-8057	17	20	particularly	particularly	ADV
easat-8057	17	21	in	in	ADP
easat-8057	17	22	capital	capital	NOUN
easat-8057	17	23	structure	structure	NOUN
easat-8057	17	24	.	.	PUNCT
easat-8057	18	1	capital	capital	NOUN
easat-8057	18	2	structure	structure	NOUN
easat-8057	18	3	,	,	PUNCT
easat-8057	18	4	or	or	CCONJ
easat-8057	18	5	financial	financial	ADJ
easat-8057	18	6	leverage	leverage	NOUN
easat-8057	18	7	,	,	PUNCT
easat-8057	18	8	is	be	AUX
easat-8057	18	9	the	the	DET
easat-8057	18	10	combination	combination	NOUN
easat-8057	18	11	of	of	ADP
easat-8057	18	12	debt	debt	NOUN
easat-8057	18	13	and	and	CCONJ
easat-8057	18	14	equity	equity	NOUN
easat-8057	18	15	financing	financing	NOUN
easat-8057	18	16	to	to	PART
easat-8057	18	17	fund	fund	VERB
easat-8057	18	18	corporate	corporate	ADJ
easat-8057	18	19	business	business	NOUN
easat-8057	18	20	activities	activity	NOUN
easat-8057	18	21	[	[	X
easat-8057	18	22	1	1	NUM
easat-8057	18	23	,	,	PUNCT
easat-8057	18	24	2	2	NUM
easat-8057	18	25	]	]	PUNCT
easat-8057	18	26	.	.	PUNCT
easat-8057	19	1	it	it	PRON
easat-8057	19	2	affects	affect	VERB
easat-8057	19	3	a	a	DET
easat-8057	19	4	firm	firm	NOUN
easat-8057	19	5	's	's	PART
easat-8057	19	6	risk	risk	NOUN
easat-8057	19	7	[	[	X
easat-8057	19	8	3	3	NUM
easat-8057	19	9	,	,	PUNCT
easat-8057	19	10	4	4	NUM
easat-8057	19	11	]	]	PUNCT
easat-8057	19	12	and	and	CCONJ
easat-8057	19	13	financial	financial	ADJ
easat-8057	19	14	performance	performance	NOUN
easat-8057	19	15	significantly	significantly	ADV
easat-8057	19	16	[	[	X
easat-8057	19	17	5	5	NUM
easat-8057	19	18	,	,	PUNCT
easat-8057	19	19	6	6	NUM
easat-8057	19	20	]	]	PUNCT
easat-8057	19	21	.	.	PUNCT
easat-8057	20	1	traditional	traditional	ADJ
easat-8057	20	2	capital	capital	NOUN
easat-8057	20	3	structure	structure	NOUN
easat-8057	20	4	theories	theory	NOUN
easat-8057	20	5	,	,	PUNCT
easat-8057	20	6	such	such	ADJ
easat-8057	20	7	as	as	ADP
easat-8057	20	8	pecking	pecking	NOUN
easat-8057	20	9	order	order	NOUN
easat-8057	20	10	theory	theory	NOUN
easat-8057	20	11	and	and	CCONJ
easat-8057	20	12	trade	trade	NOUN
easat-8057	20	13	-	-	PUNCT
easat-8057	20	14	off	off	ADP
easat-8057	20	15	theory	theory	NOUN
easat-8057	20	16	,	,	PUNCT
easat-8057	20	17	provide	provide	VERB
easat-8057	20	18	a	a	DET
easat-8057	20	19	basis	basis	NOUN
easat-8057	20	20	for	for	ADP
easat-8057	20	21	understanding	understand	VERB
easat-8057	20	22	firms	firm	NOUN
easat-8057	20	23	'	'	PART
easat-8057	20	24	capital	capital	NOUN
easat-8057	20	25	structure	structure	NOUN
easat-8057	20	26	decision	decision	NOUN
easat-8057	20	27	.	.	PUNCT
easat-8057	21	1	these	these	DET
easat-8057	21	2	theories	theory	NOUN
easat-8057	21	3	may	may	AUX
easat-8057	21	4	need	need	VERB
easat-8057	21	5	to	to	PART
easat-8057	21	6	be	be	AUX
easat-8057	21	7	re	re	VERB
easat-8057	21	8	-	-	VERB
easat-8057	21	9	examined	examine	VERB
easat-8057	21	10	since	since	SCONJ
easat-8057	21	11	the	the	DET
easat-8057	21	12	advent	advent	NOUN
easat-8057	21	13	of	of	ADP
easat-8057	21	14	digital	digital	ADJ
easat-8057	21	15	finance	finance	NOUN
easat-8057	21	16	has	have	AUX
easat-8057	21	17	profoundly	profoundly	ADV
easat-8057	21	18	changed	change	VERB
easat-8057	21	19	the	the	DET
easat-8057	21	20	operating	operating	NOUN
easat-8057	21	21	environment	environment	NOUN
easat-8057	21	22	and	and	CCONJ
easat-8057	21	23	functions	function	NOUN
easat-8057	21	24	of	of	ADP
easat-8057	21	25	the	the	DET
easat-8057	21	26	traditional	traditional	ADJ
easat-8057	21	27	financial	financial	ADJ
easat-8057	21	28	system	system	NOUN
easat-8057	21	29	[	[	X
easat-8057	21	30	7	7	NUM
easat-8057	21	31	,	,	PUNCT
easat-8057	21	32	8	8	NUM
easat-8057	21	33	]	]	PUNCT
easat-8057	21	34	.	.	PUNCT
easat-8057	22	1	this	this	DET
easat-8057	22	2	conceptual	conceptual	ADJ
easat-8057	22	3	paper	paper	NOUN
easat-8057	22	4	aims	aim	VERB
easat-8057	22	5	to	to	PART
easat-8057	22	6	explore	explore	VERB
easat-8057	22	7	the	the	DET
easat-8057	22	8	influence	influence	NOUN
easat-8057	22	9	of	of	ADP
easat-8057	22	10	digital	digital	ADJ
easat-8057	22	11	finance	finance	NOUN
easat-8057	22	12	on	on	ADP
easat-8057	22	13	capital	capital	NOUN
easat-8057	22	14	structure	structure	NOUN
easat-8057	22	15	in	in	ADP
easat-8057	22	16	this	this	DET
easat-8057	22	17	new	new	ADJ
easat-8057	22	18	digital	digital	ADJ
easat-8057	22	19	environment	environment	NOUN
easat-8057	22	20	.	.	PUNCT
easat-8057	23	1	by	by	ADP
easat-8057	23	2	synthesising	synthesise	VERB
easat-8057	23	3	existing	exist	VERB
easat-8057	23	4	literature	literature	NOUN
easat-8057	23	5	and	and	CCONJ
easat-8057	23	6	proposing	propose	VERB
easat-8057	23	7	a	a	DET
easat-8057	23	8	conceptual	conceptual	ADJ
easat-8057	23	9	framework	framework	NOUN
easat-8057	23	10	,	,	PUNCT
easat-8057	23	11	it	it	PRON
easat-8057	23	12	contributes	contribute	VERB
easat-8057	23	13	to	to	ADP
easat-8057	23	14	a	a	DET
easat-8057	23	15	deeper	deep	ADJ
easat-8057	23	16	understanding	understanding	NOUN
easat-8057	23	17	of	of	ADP
easat-8057	23	18	capital	capital	NOUN
easat-8057	23	19	structure	structure	NOUN
easat-8057	23	20	,	,	PUNCT
easat-8057	23	21	offering	offer	VERB
easat-8057	23	22	valuable	valuable	ADJ
easat-8057	23	23	insights	insight	NOUN
easat-8057	23	24	for	for	ADP
easat-8057	23	25	both	both	DET
easat-8057	23	26	academics	academic	NOUN
easat-8057	23	27	and	and	CCONJ
easat-8057	23	28	practitioners	practitioner	NOUN
easat-8057	23	29	in	in	ADP
easat-8057	23	30	corporate	corporate	ADJ
easat-8057	23	31	finance	finance	NOUN
easat-8057	23	32	.	.	PUNCT
easat-8057	24	1	2	2	X
easat-8057	24	2	.	.	X
easat-8057	24	3	overview	overview	NOUN
easat-8057	24	4	of	of	ADP
easat-8057	24	5	digital	digital	ADJ
easat-8057	24	6	finance	finance	NOUN
easat-8057	24	7	2.1	2.1	NUM
easat-8057	24	8	.	.	PUNCT
easat-8057	25	1	the	the	DET
easat-8057	25	2	concept	concept	NOUN
easat-8057	25	3	of	of	ADP
easat-8057	25	4	digital	digital	ADJ
easat-8057	25	5	finance	finance	NOUN
easat-8057	25	6	the	the	DET
easat-8057	25	7	integration	integration	NOUN
easat-8057	25	8	of	of	ADP
easat-8057	25	9	technology	technology	NOUN
easat-8057	25	10	and	and	CCONJ
easat-8057	25	11	finance	finance	NOUN
easat-8057	25	12	has	have	AUX
easat-8057	25	13	given	give	VERB
easat-8057	25	14	rise	rise	NOUN
easat-8057	25	15	to	to	ADP
easat-8057	25	16	various	various	ADJ
easat-8057	25	17	emerging	emerge	VERB
easat-8057	25	18	finance	finance	NOUN
easat-8057	25	19	service	service	NOUN
easat-8057	25	20	https://orcid.org/0000-0001-7021-6948	https://orcid.org/0000-0001-7021-6948	PROPN
easat-8057	25	21	1161	1161	NUM
easat-8057	25	22	edelweiss	edelweiss	PROPN
easat-8057	25	23	applied	apply	VERB
easat-8057	25	24	science	science	NOUN
easat-8057	25	25	and	and	CCONJ
easat-8057	25	26	technology	technology	NOUN
easat-8057	25	27	issn	issn	PROPN
easat-8057	25	28	:	:	PUNCT
easat-8057	25	29	2576	2576	NUM
easat-8057	25	30	-	-	SYM
easat-8057	25	31	8484	8484	NUM
easat-8057	25	32	vol	vol	NOUN
easat-8057	25	33	.	.	PROPN
easat-8057	26	1	9	9	NUM
easat-8057	26	2	,	,	PUNCT
easat-8057	26	3	no	no	INTJ
easat-8057	26	4	.	.	NOUN
easat-8057	26	5	6	6	NUM
easat-8057	26	6	:	:	SYM
easat-8057	26	7	1160	1160	NUM
easat-8057	26	8	-	-	SYM
easat-8057	26	9	1171	1171	NUM
easat-8057	26	10	,	,	PUNCT
easat-8057	26	11	2025	2025	NUM
easat-8057	26	12	doi	doi	NOUN
easat-8057	26	13	:	:	PUNCT
easat-8057	26	14	10.55214/25768484.v9i6.8057	10.55214/25768484.v9i6.8057	NUM
easat-8057	26	15	©	©	PROPN
easat-8057	26	16	2025	2025	NUM
easat-8057	26	17	by	by	ADP
easat-8057	26	18	the	the	DET
easat-8057	26	19	authors	author	NOUN
easat-8057	26	20	;	;	PUNCT
easat-8057	26	21	licensee	licensee	PROPN
easat-8057	26	22	learning	learn	VERB
easat-8057	26	23	gate	gate	NOUN
easat-8057	26	24	modes;internet	modes;internet	PROPN
easat-8057	26	25	finance	finance	NOUN
easat-8057	26	26	,	,	PUNCT
easat-8057	26	27	fintech	fintech	NOUN
easat-8057	26	28	,	,	PUNCT
easat-8057	26	29	and	and	CCONJ
easat-8057	26	30	digital	digital	ADJ
easat-8057	26	31	finance	finance	NOUN
easat-8057	26	32	are	be	AUX
easat-8057	26	33	the	the	DET
easat-8057	26	34	prominent	prominent	ADJ
easat-8057	26	35	concepts	concept	NOUN
easat-8057	26	36	and	and	CCONJ
easat-8057	26	37	terms	term	NOUN
easat-8057	26	38	to	to	PART
easat-8057	26	39	understand	understand	VERB
easat-8057	26	40	this	this	DET
easat-8057	26	41	emerging	emerge	VERB
easat-8057	26	42	mode	mode	NOUN
easat-8057	26	43	.	.	PUNCT
easat-8057	27	1	these	these	DET
easat-8057	27	2	terms	term	NOUN
easat-8057	27	3	refer	refer	VERB
easat-8057	27	4	to	to	ADP
easat-8057	27	5	the	the	DET
easat-8057	27	6	different	different	ADJ
easat-8057	27	7	aspects	aspect	NOUN
easat-8057	27	8	of	of	ADP
easat-8057	27	9	“	"	PUNCT
easat-8057	27	10	technology+finance	technology+finance	PROPN
easat-8057	27	11	”	"	PUNCT
easat-8057	27	12	.	.	PUNCT
easat-8057	28	1	internet	internet	NOUN
easat-8057	28	2	finance	finance	NOUN
easat-8057	28	3	represents	represent	VERB
easat-8057	28	4	a	a	DET
easat-8057	28	5	novel	novel	ADJ
easat-8057	28	6	financial	financial	ADJ
easat-8057	28	7	business	business	NOUN
easat-8057	28	8	mode	mode	NOUN
easat-8057	28	9	,	,	PUNCT
easat-8057	28	10	internet	internet	NOUN
easat-8057	28	11	technology	technology	NOUN
easat-8057	28	12	and	and	CCONJ
easat-8057	28	13	information	information	NOUN
easat-8057	28	14	and	and	CCONJ
easat-8057	28	15	communication	communication	NOUN
easat-8057	28	16	technology	technology	NOUN
easat-8057	28	17	(	(	PUNCT
easat-8057	28	18	ict	ict	PROPN
easat-8057	28	19	)	)	PUNCT
easat-8057	28	20	are	be	AUX
easat-8057	28	21	employed	employ	VERB
easat-8057	28	22	to	to	PART
easat-8057	28	23	facilitate	facilitate	VERB
easat-8057	28	24	financing	financing	NOUN
easat-8057	28	25	activities	activity	NOUN
easat-8057	28	26	,	,	PUNCT
easat-8057	28	27	payment	payment	NOUN
easat-8057	28	28	processing	processing	NOUN
easat-8057	28	29	,	,	PUNCT
easat-8057	28	30	investment	investment	NOUN
easat-8057	28	31	activities	activity	NOUN
easat-8057	28	32	,	,	PUNCT
easat-8057	28	33	and	and	CCONJ
easat-8057	28	34	information	information	NOUN
easat-8057	28	35	intermediary	intermediary	NOUN
easat-8057	28	36	services	service	NOUN
easat-8057	28	37	by	by	ADP
easat-8057	28	38	conventional	conventional	ADJ
easat-8057	28	39	financial	financial	ADJ
easat-8057	28	40	institutions	institution	NOUN
easat-8057	28	41	and	and	CCONJ
easat-8057	28	42	internet	internet	NOUN
easat-8057	28	43	enterprises	enterprise	NOUN
easat-8057	28	44	.	.	PUNCT
easat-8057	29	1	internet	internet	NOUN
easat-8057	29	2	finance	finance	NOUN
easat-8057	29	3	includes	include	VERB
easat-8057	29	4	a	a	DET
easat-8057	29	5	wide	wide	ADJ
easat-8057	29	6	rage	rage	NOUN
easat-8057	29	7	of	of	ADP
easat-8057	29	8	financial	financial	ADJ
easat-8057	29	9	services	service	NOUN
easat-8057	29	10	,	,	PUNCT
easat-8057	29	11	such	such	ADJ
easat-8057	29	12	as	as	ADP
easat-8057	29	13	internet	internet	NOUN
easat-8057	29	14	payment	payment	NOUN
easat-8057	29	15	,	,	PUNCT
easat-8057	29	16	internet	internet	NOUN
easat-8057	29	17	lending	lending	NOUN
easat-8057	29	18	,	,	PUNCT
easat-8057	29	19	equity	equity	NOUN
easat-8057	29	20	crowdfunding	crowdfunding	NOUN
easat-8057	29	21	and	and	CCONJ
easat-8057	29	22	internet	internet	NOUN
easat-8057	29	23	insurance	insurance	NOUN
easat-8057	29	24	.	.	PUNCT
easat-8057	30	1	internet	internet	NOUN
easat-8057	30	2	finance	finance	NOUN
easat-8057	30	3	leverages	leverage	VERB
easat-8057	30	4	internet	internet	NOUN
easat-8057	30	5	technology	technology	NOUN
easat-8057	30	6	and	and	CCONJ
easat-8057	30	7	icts	ict	NOUN
easat-8057	30	8	to	to	PART
easat-8057	30	9	change	change	VERB
easat-8057	30	10	the	the	DET
easat-8057	30	11	way	way	NOUN
easat-8057	30	12	financial	financial	ADJ
easat-8057	30	13	services	service	NOUN
easat-8057	30	14	are	be	AUX
easat-8057	30	15	delivered	deliver	VERB
easat-8057	30	16	.	.	PUNCT
easat-8057	31	1	at	at	ADP
easat-8057	31	2	this	this	DET
easat-8057	31	3	stage	stage	NOUN
easat-8057	31	4	,	,	PUNCT
easat-8057	31	5	artificial	artificial	ADJ
easat-8057	31	6	intelligence	intelligence	NOUN
easat-8057	31	7	(	(	PUNCT
easat-8057	31	8	ai	ai	NOUN
easat-8057	31	9	)	)	PUNCT
easat-8057	31	10	,	,	PUNCT
easat-8057	31	11	blockchain	blockchain	PROPN
easat-8057	31	12	,	,	PUNCT
easat-8057	31	13	cloud	cloud	NOUN
easat-8057	31	14	computing	computing	NOUN
easat-8057	31	15	,	,	PUNCT
easat-8057	31	16	big	big	ADJ
easat-8057	31	17	data	datum	NOUN
easat-8057	31	18	and	and	CCONJ
easat-8057	31	19	the	the	DET
easat-8057	31	20	internet	internet	NOUN
easat-8057	31	21	of	of	ADP
easat-8057	31	22	things	thing	NOUN
easat-8057	31	23	(	(	PUNCT
easat-8057	31	24	abcdi	abcdi	NOUN
easat-8057	31	25	)	)	PUNCT
easat-8057	31	26	have	have	AUX
easat-8057	31	27	not	not	PART
easat-8057	31	28	yet	yet	ADV
easat-8057	31	29	been	be	AUX
easat-8057	31	30	fully	fully	ADV
easat-8057	31	31	developed	develop	VERB
easat-8057	31	32	and	and	CCONJ
easat-8057	31	33	utilised	utilise	VERB
easat-8057	31	34	.	.	PUNCT
easat-8057	32	1	internet	internet	NOUN
easat-8057	32	2	finance	finance	NOUN
easat-8057	32	3	is	be	AUX
easat-8057	32	4	seen	see	VERB
easat-8057	32	5	as	as	ADP
easat-8057	32	6	the	the	DET
easat-8057	32	7	first	first	ADJ
easat-8057	32	8	stage	stage	NOUN
easat-8057	32	9	of	of	ADP
easat-8057	32	10	the	the	DET
easat-8057	32	11	development	development	NOUN
easat-8057	32	12	of	of	ADP
easat-8057	32	13	fintech	fintech	NOUN
easat-8057	32	14	[	[	X
easat-8057	32	15	9	9	NUM
easat-8057	32	16	]	]	PUNCT
easat-8057	32	17	.	.	PUNCT
easat-8057	33	1	with	with	ADP
easat-8057	33	2	respect	respect	NOUN
easat-8057	33	3	to	to	ADP
easat-8057	33	4	fintech	fintech	NOUN
easat-8057	33	5	,	,	PUNCT
easat-8057	33	6	financial	financial	ADJ
easat-8057	33	7	stability	stability	NOUN
easat-8057	33	8	board	board	NOUN
easat-8057	33	9	[	[	X
easat-8057	33	10	10	10	NUM
easat-8057	33	11	]	]	PUNCT
easat-8057	33	12	defines	define	VERB
easat-8057	33	13	it	it	PRON
easat-8057	33	14	as	as	ADP
easat-8057	33	15	an	an	DET
easat-8057	33	16	innovation	innovation	NOUN
easat-8057	33	17	derived	derive	VERB
easat-8057	33	18	by	by	ADP
easat-8057	33	19	technology	technology	NOUN
easat-8057	33	20	advancement	advancement	NOUN
easat-8057	33	21	in	in	ADP
easat-8057	33	22	financial	financial	ADJ
easat-8057	33	23	services	service	NOUN
easat-8057	33	24	,	,	PUNCT
easat-8057	33	25	which	which	PRON
easat-8057	33	26	could	could	AUX
easat-8057	33	27	create	create	VERB
easat-8057	33	28	a	a	DET
easat-8057	33	29	new	new	ADJ
easat-8057	33	30	business	business	NOUN
easat-8057	33	31	models	model	NOUN
easat-8057	33	32	,	,	PUNCT
easat-8057	33	33	applications	application	NOUN
easat-8057	33	34	,	,	PUNCT
easat-8057	33	35	processes	process	NOUN
easat-8057	33	36	or	or	CCONJ
easat-8057	33	37	products	product	NOUN
easat-8057	33	38	that	that	PRON
easat-8057	33	39	significantly	significantly	ADV
easat-8057	33	40	impact	impact	VERB
easat-8057	33	41	the	the	DET
easat-8057	33	42	manner	manner	NOUN
easat-8057	33	43	in	in	ADP
easat-8057	33	44	which	which	PRON
easat-8057	33	45	financial	financial	ADJ
easat-8057	33	46	services	service	NOUN
easat-8057	33	47	are	be	AUX
easat-8057	33	48	provided	provide	VERB
easat-8057	33	49	.	.	PUNCT
easat-8057	34	1	digital	digital	ADJ
easat-8057	34	2	finance	finance	NOUN
easat-8057	34	3	is	be	AUX
easat-8057	34	4	a	a	DET
easat-8057	34	5	new	new	ADJ
easat-8057	34	6	financial	financial	ADJ
easat-8057	34	7	model	model	NOUN
easat-8057	34	8	in	in	ADP
easat-8057	34	9	which	which	PRON
easat-8057	34	10	tech	tech	NOUN
easat-8057	34	11	firms	firm	NOUN
easat-8057	34	12	and	and	CCONJ
easat-8057	34	13	financial	financial	ADJ
easat-8057	34	14	institutions	institution	NOUN
easat-8057	34	15	offer	offer	VERB
easat-8057	34	16	financial	financial	ADJ
easat-8057	34	17	services	service	NOUN
easat-8057	34	18	by	by	ADP
easat-8057	34	19	adopting	adopt	VERB
easat-8057	34	20	digital	digital	ADJ
easat-8057	34	21	technology	technology	NOUN
easat-8057	34	22	[	[	X
easat-8057	34	23	11	11	NUM
easat-8057	34	24	]	]	PUNCT
easat-8057	34	25	.	.	PUNCT
easat-8057	35	1	fintech	fintech	NOUN
easat-8057	35	2	highlights	highlight	VERB
easat-8057	35	3	technological	technological	ADJ
easat-8057	35	4	advancements	advancement	NOUN
easat-8057	35	5	such	such	ADJ
easat-8057	35	6	as	as	ADP
easat-8057	35	7	big	big	ADJ
easat-8057	35	8	data	datum	NOUN
easat-8057	35	9	and	and	CCONJ
easat-8057	35	10	blockchain	blockchain	PROPN
easat-8057	35	11	could	could	AUX
easat-8057	35	12	enhance	enhance	VERB
easat-8057	35	13	and	and	CCONJ
easat-8057	35	14	revolutionise	revolutionise	VERB
easat-8057	35	15	the	the	DET
easat-8057	35	16	financial	financial	ADJ
easat-8057	35	17	industry	industry	NOUN
easat-8057	36	1	[	[	X
easat-8057	36	2	12	12	NUM
easat-8057	36	3	]	]	PUNCT
easat-8057	36	4	.	.	PUNCT
easat-8057	37	1	in	in	ADP
easat-8057	37	2	contrast	contrast	NOUN
easat-8057	37	3	,	,	PUNCT
easat-8057	37	4	digital	digital	ADJ
easat-8057	37	5	finance	finance	NOUN
easat-8057	37	6	is	be	AUX
easat-8057	37	7	a	a	DET
easat-8057	37	8	broader	broad	ADJ
easat-8057	37	9	concept	concept	NOUN
easat-8057	37	10	.	.	PUNCT
easat-8057	38	1	along	along	ADP
easat-8057	38	2	with	with	ADP
easat-8057	38	3	a	a	DET
easat-8057	38	4	wide	wide	ADJ
easat-8057	38	5	spectrum	spectrum	NOUN
easat-8057	38	6	of	of	ADP
easat-8057	38	7	financial	financial	ADJ
easat-8057	38	8	products	product	NOUN
easat-8057	38	9	,	,	PUNCT
easat-8057	38	10	digital	digital	ADJ
easat-8057	38	11	finance	finance	NOUN
easat-8057	38	12	also	also	ADV
easat-8057	38	13	encompasses	encompass	VERB
easat-8057	38	14	financial	financial	ADJ
easat-8057	38	15	institutions	institution	NOUN
easat-8057	38	16	,	,	PUNCT
easat-8057	38	17	finance	finance	NOUN
easat-8057	38	18	-	-	PUNCT
easat-8057	38	19	related	relate	VERB
easat-8057	38	20	software	software	NOUN
easat-8057	38	21	and	and	CCONJ
easat-8057	38	22	innovative	innovative	ADJ
easat-8057	38	23	forms	form	NOUN
easat-8057	38	24	of	of	ADP
easat-8057	38	25	delivering	deliver	VERB
easat-8057	38	26	financial	financial	ADJ
easat-8057	38	27	service	service	NOUN
easat-8057	38	28	to	to	ADP
easat-8057	38	29	customers	customer	NOUN
easat-8057	38	30	,	,	PUNCT
easat-8057	38	31	generally	generally	ADV
easat-8057	38	32	referring	refer	VERB
easat-8057	38	33	to	to	ADP
easat-8057	38	34	the	the	DET
easat-8057	38	35	digital	digital	ADJ
easat-8057	38	36	transformation	transformation	NOUN
easat-8057	38	37	of	of	ADP
easat-8057	38	38	the	the	DET
easat-8057	38	39	financial	financial	ADJ
easat-8057	38	40	sector	sector	NOUN
easat-8057	38	41	[	[	X
easat-8057	38	42	13	13	NUM
easat-8057	38	43	]	]	PUNCT
easat-8057	38	44	.	.	PUNCT
easat-8057	39	1	hence	hence	ADV
easat-8057	39	2	,	,	PUNCT
easat-8057	39	3	digital	digital	ADJ
easat-8057	39	4	finance	finance	NOUN
easat-8057	39	5	typically	typically	ADV
easat-8057	39	6	manifests	manifest	VERB
easat-8057	39	7	the	the	DET
easat-8057	39	8	attributes	attribute	NOUN
easat-8057	39	9	of	of	ADP
easat-8057	39	10	finance	finance	NOUN
easat-8057	39	11	and	and	CCONJ
easat-8057	39	12	the	the	DET
easat-8057	39	13	application	application	NOUN
easat-8057	39	14	of	of	ADP
easat-8057	39	15	emerging	emerge	VERB
easat-8057	39	16	technologies	technology	NOUN
easat-8057	39	17	.	.	PUNCT
easat-8057	40	1	internet	internet	NOUN
easat-8057	40	2	finance	finance	NOUN
easat-8057	40	3	,	,	PUNCT
easat-8057	40	4	fintech	fintech	NOUN
easat-8057	40	5	and	and	CCONJ
easat-8057	40	6	digital	digital	ADJ
easat-8057	40	7	finance	finance	NOUN
easat-8057	40	8	are	be	AUX
easat-8057	40	9	distinct	distinct	ADJ
easat-8057	40	10	from	from	ADP
easat-8057	40	11	traditional	traditional	ADJ
easat-8057	40	12	financial	financial	ADJ
easat-8057	40	13	services	service	NOUN
easat-8057	40	14	,	,	PUNCT
easat-8057	40	15	as	as	SCONJ
easat-8057	40	16	they	they	PRON
easat-8057	40	17	employ	employ	VERB
easat-8057	40	18	technologies	technology	NOUN
easat-8057	40	19	to	to	PART
easat-8057	40	20	innovate	innovate	VERB
easat-8057	40	21	and	and	CCONJ
easat-8057	40	22	transform	transform	VERB
easat-8057	40	23	financial	financial	ADJ
easat-8057	40	24	services	service	NOUN
easat-8057	40	25	.	.	PUNCT
easat-8057	41	1	they	they	PRON
easat-8057	41	2	emphasise	emphasise	VERB
easat-8057	41	3	on	on	ADP
easat-8057	41	4	the	the	DET
easat-8057	41	5	application	application	NOUN
easat-8057	41	6	of	of	ADP
easat-8057	41	7	technologies	technology	NOUN
easat-8057	41	8	to	to	PART
easat-8057	41	9	improve	improve	VERB
easat-8057	41	10	efficiency	efficiency	NOUN
easat-8057	41	11	and	and	CCONJ
easat-8057	41	12	reduce	reduce	VERB
easat-8057	41	13	costs	cost	NOUN
easat-8057	41	14	.	.	PUNCT
easat-8057	42	1	although	although	SCONJ
easat-8057	42	2	there	there	PRON
easat-8057	42	3	are	be	VERB
easat-8057	42	4	subtle	subtle	ADJ
easat-8057	42	5	nuances	nuance	NOUN
easat-8057	42	6	between	between	ADP
easat-8057	42	7	internet	internet	NOUN
easat-8057	42	8	finance	finance	NOUN
easat-8057	42	9	,	,	PUNCT
easat-8057	42	10	fintech	fintech	NOUN
easat-8057	42	11	,	,	PUNCT
easat-8057	42	12	and	and	CCONJ
easat-8057	42	13	digital	digital	ADJ
easat-8057	42	14	finance	finance	NOUN
easat-8057	42	15	,	,	PUNCT
easat-8057	42	16	they	they	PRON
easat-8057	42	17	share	share	VERB
easat-8057	42	18	a	a	DET
easat-8057	42	19	common	common	ADJ
easat-8057	42	20	emphasis	emphasis	NOUN
easat-8057	42	21	on	on	ADP
easat-8057	42	22	technologies	technology	NOUN
easat-8057	42	23	as	as	ADP
easat-8057	42	24	a	a	DET
easat-8057	42	25	way	way	NOUN
easat-8057	42	26	to	to	PART
easat-8057	42	27	improve	improve	VERB
easat-8057	42	28	the	the	DET
easat-8057	42	29	delivery	delivery	NOUN
easat-8057	42	30	of	of	ADP
easat-8057	42	31	financial	financial	ADJ
easat-8057	42	32	services	service	NOUN
easat-8057	42	33	.	.	PUNCT
easat-8057	43	1	therefore	therefore	ADV
easat-8057	43	2	,	,	PUNCT
easat-8057	43	3	in	in	ADP
easat-8057	43	4	this	this	DET
easat-8057	43	5	paper	paper	NOUN
easat-8057	43	6	,	,	PUNCT
easat-8057	43	7	digital	digital	ADJ
easat-8057	43	8	finance	finance	NOUN
easat-8057	43	9	is	be	AUX
easat-8057	43	10	defined	define	VERB
easat-8057	43	11	as	as	ADP
easat-8057	43	12	a	a	DET
easat-8057	43	13	novel	novel	ADJ
easat-8057	43	14	financial	financial	ADJ
easat-8057	43	15	business	business	NOUN
easat-8057	43	16	mode	mode	NOUN
easat-8057	43	17	that	that	PRON
easat-8057	43	18	is	be	AUX
easat-8057	43	19	reliant	reliant	ADJ
easat-8057	43	20	on	on	ADP
easat-8057	43	21	digital	digital	ADJ
easat-8057	43	22	technology	technology	NOUN
easat-8057	43	23	to	to	PART
easat-8057	43	24	facilitate	facilitate	VERB
easat-8057	43	25	financial	financial	ADJ
easat-8057	43	26	activities	activity	NOUN
easat-8057	43	27	.	.	PUNCT
easat-8057	44	1	similar	similar	ADJ
easat-8057	44	2	to	to	ADP
easat-8057	44	3	ji	ji	PROPN
easat-8057	44	4	,	,	PUNCT
easat-8057	44	5	et	et	PROPN
easat-8057	44	6	al	al	PROPN
easat-8057	44	7	.	.	PUNCT
easat-8057	45	1	[	[	X
easat-8057	45	2	14	14	NUM
easat-8057	45	3	]	]	PUNCT
easat-8057	45	4	this	this	DET
easat-8057	45	5	paper	paper	NOUN
easat-8057	45	6	considers	consider	VERB
easat-8057	45	7	digital	digital	ADJ
easat-8057	45	8	finance	finance	NOUN
easat-8057	45	9	as	as	ADP
easat-8057	45	10	a	a	DET
easat-8057	45	11	broader	broad	ADJ
easat-8057	45	12	concept	concept	NOUN
easat-8057	45	13	,	,	PUNCT
easat-8057	45	14	including	include	VERB
easat-8057	45	15	fintech	fintech	NOUN
easat-8057	45	16	and	and	CCONJ
easat-8057	45	17	internet	internet	NOUN
easat-8057	45	18	finance	finance	NOUN
easat-8057	45	19	.	.	PUNCT
easat-8057	46	1	2.2	2.2	NUM
easat-8057	46	2	.	.	PUNCT
easat-8057	46	3	impact	impact	NOUN
easat-8057	46	4	of	of	ADP
easat-8057	46	5	digital	digital	ADJ
easat-8057	46	6	finance	finance	NOUN
easat-8057	46	7	on	on	ADP
easat-8057	46	8	traditional	traditional	ADJ
easat-8057	46	9	financial	financial	ADJ
easat-8057	46	10	institutions	institution	NOUN
easat-8057	46	11	digital	digital	ADJ
easat-8057	46	12	finance	finance	NOUN
easat-8057	46	13	has	have	AUX
easat-8057	46	14	profoundly	profoundly	ADV
easat-8057	46	15	changed	change	VERB
easat-8057	46	16	the	the	DET
easat-8057	46	17	traditional	traditional	ADJ
easat-8057	46	18	financial	financial	ADJ
easat-8057	46	19	industry	industry	NOUN
easat-8057	46	20	[	[	X
easat-8057	46	21	15	15	NUM
easat-8057	46	22	,	,	PUNCT
easat-8057	46	23	16	16	NUM
easat-8057	46	24	]	]	PUNCT
easat-8057	46	25	.	.	PUNCT
easat-8057	47	1	the	the	DET
easat-8057	47	2	extant	extant	ADJ
easat-8057	47	3	literature	literature	NOUN
easat-8057	47	4	focuses	focus	VERB
easat-8057	47	5	on	on	ADP
easat-8057	47	6	digital	digital	ADJ
easat-8057	47	7	finance	finance	NOUN
easat-8057	47	8	's	's	PART
easat-8057	47	9	competitive	competitive	ADJ
easat-8057	47	10	and	and	CCONJ
easat-8057	47	11	complementary	complementary	ADJ
easat-8057	47	12	effects	effect	NOUN
easat-8057	47	13	on	on	ADP
easat-8057	47	14	traditional	traditional	ADJ
easat-8057	47	15	financial	financial	ADJ
easat-8057	47	16	institutions	institution	NOUN
easat-8057	47	17	.	.	PUNCT
easat-8057	48	1	digital	digital	ADJ
easat-8057	48	2	finance	finance	NOUN
easat-8057	48	3	and	and	CCONJ
easat-8057	48	4	traditional	traditional	ADJ
easat-8057	48	5	finance	finance	NOUN
easat-8057	48	6	have	have	VERB
easat-8057	48	7	similar	similar	ADJ
easat-8057	48	8	functions	function	NOUN
easat-8057	48	9	in	in	ADP
easat-8057	48	10	the	the	DET
easat-8057	48	11	capital	capital	NOUN
easat-8057	48	12	market	market	NOUN
easat-8057	48	13	,	,	PUNCT
easat-8057	48	14	offering	offer	VERB
easat-8057	48	15	similar	similar	ADJ
easat-8057	48	16	financial	financial	ADJ
easat-8057	48	17	services	service	NOUN
easat-8057	48	18	such	such	ADJ
easat-8057	48	19	as	as	ADP
easat-8057	48	20	payments	payment	NOUN
easat-8057	48	21	,	,	PUNCT
easat-8057	48	22	savings	saving	NOUN
easat-8057	48	23	,	,	PUNCT
easat-8057	48	24	lending	lending	NOUN
easat-8057	48	25	,	,	PUNCT
easat-8057	48	26	and	and	CCONJ
easat-8057	48	27	investment	investment	NOUN
easat-8057	48	28	[	[	X
easat-8057	48	29	17	17	NUM
easat-8057	48	30	,	,	PUNCT
easat-8057	48	31	18	18	NUM
easat-8057	48	32	]	]	PUNCT
easat-8057	48	33	.	.	PUNCT
easat-8057	49	1	however	however	ADV
easat-8057	49	2	,	,	PUNCT
easat-8057	49	3	digital	digital	ADJ
easat-8057	49	4	finance	finance	NOUN
easat-8057	49	5	has	have	VERB
easat-8057	49	6	more	more	ADV
easat-8057	49	7	extensive	extensive	ADJ
easat-8057	49	8	coverage	coverage	NOUN
easat-8057	49	9	and	and	CCONJ
easat-8057	49	10	offer	offer	VERB
easat-8057	49	11	the	the	DET
easat-8057	49	12	services	service	NOUN
easat-8057	49	13	at	at	ADP
easat-8057	49	14	lower	low	ADJ
easat-8057	49	15	costs	cost	NOUN
easat-8057	49	16	,	,	PUNCT
easat-8057	49	17	providing	provide	VERB
easat-8057	49	18	financial	financial	ADJ
easat-8057	49	19	services	service	NOUN
easat-8057	49	20	to	to	ADP
easat-8057	49	21	more	more	ADJ
easat-8057	49	22	individuals	individual	NOUN
easat-8057	49	23	and	and	CCONJ
easat-8057	49	24	small	small	ADJ
easat-8057	49	25	-	-	PUNCT
easat-8057	49	26	scale	scale	NOUN
easat-8057	49	27	enterprises	enterprise	NOUN
easat-8057	49	28	who	who	PRON
easat-8057	49	29	are	be	AUX
easat-8057	49	30	previously	previously	ADV
easat-8057	49	31	unbanked	unbanked	ADJ
easat-8057	49	32	or	or	CCONJ
easat-8057	49	33	underserved	underserved	ADJ
easat-8057	49	34	.	.	PUNCT
easat-8057	50	1	gopal	gopal	PROPN
easat-8057	50	2	and	and	CCONJ
easat-8057	50	3	schnabl	schnabl	PROPN
easat-8057	50	4	[	[	X
easat-8057	50	5	19	19	NUM
easat-8057	50	6	]	]	PUNCT
easat-8057	50	7	use	use	VERB
easat-8057	50	8	three	three	NUM
easat-8057	50	9	natural	natural	ADJ
easat-8057	50	10	experiments	experiment	NOUN
easat-8057	50	11	in	in	ADP
easat-8057	50	12	the	the	DET
easat-8057	50	13	united	united	PROPN
easat-8057	50	14	states	states	PROPN
easat-8057	50	15	to	to	PART
easat-8057	50	16	investigate	investigate	VERB
easat-8057	50	17	the	the	DET
easat-8057	50	18	substitution	substitution	NOUN
easat-8057	50	19	from	from	ADP
easat-8057	50	20	banks	bank	NOUN
easat-8057	50	21	to	to	ADP
easat-8057	50	22	nonbank	nonbank	NOUN
easat-8057	50	23	lenders	lender	NOUN
easat-8057	50	24	from	from	ADP
easat-8057	50	25	2007	2007	NUM
easat-8057	50	26	to	to	ADP
easat-8057	50	27	2017	2017	NUM
easat-8057	50	28	.	.	PUNCT
easat-8057	51	1	their	their	PRON
easat-8057	51	2	finding	finding	NOUN
easat-8057	51	3	demonstrates	demonstrate	VERB
easat-8057	51	4	a	a	DET
easat-8057	51	5	decrease	decrease	NOUN
easat-8057	51	6	in	in	ADP
easat-8057	51	7	small	small	ADJ
easat-8057	51	8	businesses	business	NOUN
easat-8057	51	9	’	'	PUNCT
easat-8057	51	10	reliance	reliance	NOUN
easat-8057	51	11	on	on	ADP
easat-8057	51	12	banks	bank	NOUN
easat-8057	51	13	to	to	PART
easat-8057	51	14	obtain	obtain	VERB
easat-8057	51	15	funds	fund	NOUN
easat-8057	51	16	.	.	PUNCT
easat-8057	52	1	it	it	PRON
easat-8057	52	2	may	may	AUX
easat-8057	52	3	be	be	AUX
easat-8057	52	4	attributed	attribute	VERB
easat-8057	52	5	to	to	ADP
easat-8057	52	6	the	the	DET
easat-8057	52	7	emergence	emergence	NOUN
easat-8057	52	8	of	of	ADP
easat-8057	52	9	alternative	alternative	ADJ
easat-8057	52	10	financing	financing	NOUN
easat-8057	52	11	source	source	NOUN
easat-8057	52	12	,	,	PUNCT
easat-8057	52	13	which	which	PRON
easat-8057	52	14	provide	provide	VERB
easat-8057	52	15	small	small	ADJ
easat-8057	52	16	businesses	business	NOUN
easat-8057	52	17	with	with	ADP
easat-8057	52	18	more	more	ADV
easat-8057	52	19	accessible	accessible	ADJ
easat-8057	52	20	and	and	CCONJ
easat-8057	52	21	affordable	affordable	ADJ
easat-8057	52	22	financing	financing	NOUN
easat-8057	52	23	choices	choice	NOUN
easat-8057	52	24	.	.	PUNCT
easat-8057	53	1	compared	compare	VERB
easat-8057	53	2	to	to	ADP
easat-8057	53	3	traditional	traditional	ADJ
easat-8057	53	4	financial	financial	ADJ
easat-8057	53	5	institutions	institution	NOUN
easat-8057	53	6	,	,	PUNCT
easat-8057	53	7	digital	digital	ADJ
easat-8057	53	8	lenders	lender	NOUN
easat-8057	53	9	are	be	AUX
easat-8057	53	10	digitally	digitally	ADV
easat-8057	53	11	(	(	PUNCT
easat-8057	53	12	automated	automate	VERB
easat-8057	53	13	)	)	PUNCT
easat-8057	53	14	equipped	equip	VERB
easat-8057	53	15	to	to	PART
easat-8057	53	16	efficiently	efficiently	ADV
easat-8057	53	17	handle	handle	VERB
easat-8057	53	18	a	a	DET
easat-8057	53	19	surge	surge	NOUN
easat-8057	53	20	in	in	ADP
easat-8057	53	21	credit	credit	NOUN
easat-8057	53	22	applications	application	NOUN
easat-8057	53	23	[	[	X
easat-8057	53	24	20	20	NUM
easat-8057	53	25	]	]	PUNCT
easat-8057	53	26	.	.	PUNCT
easat-8057	54	1	the	the	DET
easat-8057	54	2	digitalisation	digitalisation	NOUN
easat-8057	54	3	speed	speed	VERB
easat-8057	54	4	up	up	ADP
easat-8057	54	5	application	application	NOUN
easat-8057	54	6	processes	process	NOUN
easat-8057	54	7	with	with	ADP
easat-8057	54	8	accuracy	accuracy	NOUN
easat-8057	54	9	,	,	PUNCT
easat-8057	54	10	leading	lead	VERB
easat-8057	54	11	to	to	ADP
easat-8057	54	12	a	a	DET
easat-8057	54	13	considerable	considerable	ADJ
easat-8057	54	14	reduction	reduction	NOUN
easat-8057	54	15	in	in	ADP
easat-8057	54	16	the	the	DET
easat-8057	54	17	time	time	NOUN
easat-8057	54	18	required	require	VERB
easat-8057	54	19	to	to	PART
easat-8057	54	20	review	review	VERB
easat-8057	54	21	and	and	CCONJ
easat-8057	54	22	approve	approve	VERB
easat-8057	54	23	the	the	DET
easat-8057	54	24	grant	grant	NOUN
easat-8057	54	25	of	of	ADP
easat-8057	54	26	funds	fund	NOUN
easat-8057	54	27	[	[	X
easat-8057	54	28	21	21	NUM
easat-8057	54	29	]	]	PUNCT
easat-8057	54	30	.	.	PUNCT
easat-8057	55	1	moreover	moreover	ADV
easat-8057	55	2	,	,	PUNCT
easat-8057	55	3	digital	digital	ADJ
easat-8057	55	4	lenders	lender	NOUN
easat-8057	55	5	could	could	AUX
easat-8057	55	6	attract	attract	VERB
easat-8057	55	7	more	more	ADJ
easat-8057	55	8	customers	customer	NOUN
easat-8057	55	9	and	and	CCONJ
easat-8057	55	10	crowd	crowd	VERB
easat-8057	55	11	out	out	ADP
easat-8057	55	12	traditional	traditional	ADJ
easat-8057	55	13	financial	financial	ADJ
easat-8057	55	14	institutions	institution	NOUN
easat-8057	55	15	'	'	PART
easat-8057	55	16	market	market	NOUN
easat-8057	55	17	share	share	NOUN
easat-8057	55	18	.	.	PUNCT
easat-8057	56	1	buchak	buchak	NOUN
easat-8057	56	2	,	,	PUNCT
easat-8057	56	3	et	et	PROPN
easat-8057	56	4	al	al	PROPN
easat-8057	56	5	.	.	PUNCT
easat-8057	57	1	[	[	X
easat-8057	57	2	22	22	NUM
easat-8057	57	3	]	]	PUNCT
easat-8057	57	4	reveal	reveal	VERB
easat-8057	57	5	that	that	SCONJ
easat-8057	57	6	fintech	fintech	NOUN
easat-8057	57	7	lenders	lender	NOUN
easat-8057	57	8	have	have	AUX
easat-8057	57	9	penetrated	penetrate	VERB
easat-8057	57	10	the	the	DET
easat-8057	57	11	residential	residential	ADJ
easat-8057	57	12	mortgage	mortgage	NOUN
easat-8057	57	13	market	market	NOUN
easat-8057	57	14	,	,	PUNCT
easat-8057	57	15	thereby	thereby	ADV
easat-8057	57	16	diminishing	diminish	VERB
easat-8057	57	17	the	the	DET
easat-8057	57	18	market	market	NOUN
easat-8057	57	19	share	share	NOUN
easat-8057	57	20	of	of	ADP
easat-8057	57	21	banks	bank	NOUN
easat-8057	57	22	.	.	PUNCT
easat-8057	58	1	in	in	ADP
easat-8057	58	2	addition	addition	NOUN
easat-8057	58	3	,	,	PUNCT
easat-8057	58	4	digital	digital	ADJ
easat-8057	58	5	finance	finance	NOUN
easat-8057	58	6	does	do	AUX
easat-8057	58	7	not	not	PART
easat-8057	58	8	rely	rely	VERB
easat-8057	58	9	on	on	ADP
easat-8057	58	10	traditional	traditional	ADJ
easat-8057	58	11	intermediaries	intermediary	NOUN
easat-8057	58	12	[	[	X
easat-8057	58	13	23	23	NUM
easat-8057	58	14	,	,	PUNCT
easat-8057	58	15	24	24	NUM
easat-8057	58	16	]	]	PUNCT
easat-8057	58	17	,	,	PUNCT
easat-8057	58	18	which	which	PRON
easat-8057	58	19	further	far	ADV
easat-8057	58	20	reduce	reduce	VERB
easat-8057	58	21	the	the	DET
easat-8057	58	22	expenses	expense	NOUN
easat-8057	58	23	of	of	ADP
easat-8057	58	24	financial	financial	ADJ
easat-8057	58	25	service	service	NOUN
easat-8057	58	26	,	,	PUNCT
easat-8057	58	27	and	and	CCONJ
easat-8057	58	28	ultimately	ultimately	ADV
easat-8057	58	29	improving	improve	VERB
easat-8057	58	30	customer	customer	NOUN
easat-8057	58	31	well	well	ADV
easat-8057	58	32	-	-	PUNCT
easat-8057	58	33	being	being	NOUN
easat-8057	58	34	.	.	PUNCT
easat-8057	59	1	digital	digital	ADJ
easat-8057	59	2	finance	finance	NOUN
easat-8057	59	3	has	have	VERB
easat-8057	59	4	some	some	DET
easat-8057	59	5	negative	negative	ADJ
easat-8057	59	6	impacts	impact	NOUN
easat-8057	59	7	on	on	ADP
easat-8057	59	8	1162	1162	NUM
easat-8057	59	9	edelweiss	edelweiss	PROPN
easat-8057	59	10	applied	apply	VERB
easat-8057	59	11	science	science	NOUN
easat-8057	59	12	and	and	CCONJ
easat-8057	59	13	technology	technology	NOUN
easat-8057	59	14	issn	issn	PROPN
easat-8057	59	15	:	:	PUNCT
easat-8057	59	16	2576	2576	NUM
easat-8057	59	17	-	-	SYM
easat-8057	59	18	8484	8484	NUM
easat-8057	59	19	vol	vol	NOUN
easat-8057	59	20	.	.	PROPN
easat-8057	60	1	9	9	NUM
easat-8057	60	2	,	,	PUNCT
easat-8057	60	3	no	no	INTJ
easat-8057	60	4	.	.	NOUN
easat-8057	60	5	6	6	NUM
easat-8057	60	6	:	:	SYM
easat-8057	60	7	1160	1160	NUM
easat-8057	60	8	-	-	SYM
easat-8057	60	9	1171	1171	NUM
easat-8057	60	10	,	,	PUNCT
easat-8057	60	11	2025	2025	NUM
easat-8057	60	12	doi	doi	NOUN
easat-8057	60	13	:	:	PUNCT
easat-8057	60	14	10.55214/25768484.v9i6.8057	10.55214/25768484.v9i6.8057	NUM
easat-8057	60	15	©	©	PROPN
easat-8057	60	16	2025	2025	NUM
easat-8057	60	17	by	by	ADP
easat-8057	60	18	the	the	DET
easat-8057	60	19	authors	author	NOUN
easat-8057	60	20	;	;	PUNCT
easat-8057	60	21	licensee	licensee	PROPN
easat-8057	60	22	learning	learning	NOUN
easat-8057	60	23	gate	gate	VERB
easat-8057	60	24	traditional	traditional	ADJ
easat-8057	60	25	banks	bank	NOUN
easat-8057	61	1	[	[	X
easat-8057	61	2	25	25	NUM
easat-8057	61	3	]	]	PUNCT
easat-8057	61	4	.	.	PUNCT
easat-8057	62	1	the	the	DET
easat-8057	62	2	disintermediation	disintermediation	NOUN
easat-8057	62	3	threatens	threaten	VERB
easat-8057	62	4	and	and	CCONJ
easat-8057	62	5	challenges	challenge	VERB
easat-8057	62	6	traditional	traditional	ADJ
easat-8057	62	7	financial	financial	ADJ
easat-8057	62	8	intermediaries	intermediary	NOUN
easat-8057	62	9	.	.	PUNCT
easat-8057	63	1	on	on	ADP
easat-8057	63	2	the	the	DET
easat-8057	63	3	other	other	ADJ
easat-8057	63	4	hand	hand	NOUN
easat-8057	63	5	,	,	PUNCT
easat-8057	63	6	digital	digital	ADJ
easat-8057	63	7	finance	finance	NOUN
easat-8057	63	8	also	also	ADV
easat-8057	63	9	intensifies	intensify	VERB
easat-8057	63	10	the	the	DET
easat-8057	63	11	competition	competition	NOUN
easat-8057	63	12	and	and	CCONJ
easat-8057	63	13	creates	create	VERB
easat-8057	63	14	a	a	DET
easat-8057	63	15	catfish	catfish	NOUN
easat-8057	63	16	effect	effect	NOUN
easat-8057	63	17	in	in	ADP
easat-8057	63	18	the	the	DET
easat-8057	63	19	traditional	traditional	ADJ
easat-8057	63	20	financial	financial	ADJ
easat-8057	63	21	sector	sector	NOUN
easat-8057	63	22	,	,	PUNCT
easat-8057	63	23	as	as	SCONJ
easat-8057	63	24	it	it	PRON
easat-8057	63	25	expands	expand	VERB
easat-8057	63	26	the	the	DET
easat-8057	63	27	scope	scope	NOUN
easat-8057	63	28	of	of	ADP
easat-8057	63	29	traditional	traditional	ADJ
easat-8057	63	30	financial	financial	ADJ
easat-8057	63	31	services	service	NOUN
easat-8057	63	32	and	and	CCONJ
easat-8057	63	33	products	product	NOUN
easat-8057	63	34	[	[	X
easat-8057	63	35	18	18	NUM
easat-8057	63	36	,	,	PUNCT
easat-8057	63	37	26	26	NUM
easat-8057	63	38	]	]	PUNCT
easat-8057	63	39	.	.	PUNCT
easat-8057	64	1	the	the	DET
easat-8057	64	2	expanded	expand	VERB
easat-8057	64	3	scope	scope	NOUN
easat-8057	64	4	of	of	ADP
easat-8057	64	5	digital	digital	ADJ
easat-8057	64	6	finance	finance	NOUN
easat-8057	64	7	forces	force	NOUN
easat-8057	64	8	traditional	traditional	ADJ
easat-8057	64	9	banks	bank	NOUN
easat-8057	64	10	to	to	PART
easat-8057	64	11	improve	improve	VERB
easat-8057	64	12	their	their	PRON
easat-8057	64	13	services	service	NOUN
easat-8057	64	14	and	and	CCONJ
easat-8057	64	15	products	product	NOUN
easat-8057	64	16	.	.	PUNCT
easat-8057	65	1	joe	joe	PROPN
easat-8057	65	2	-	-	PUNCT
easat-8057	65	3	wong	wong	PROPN
easat-8057	65	4	and	and	CCONJ
easat-8057	65	5	sen	sen	PROPN
easat-8057	66	1	[	[	X
easat-8057	66	2	27	27	NUM
easat-8057	66	3	]	]	PUNCT
easat-8057	66	4	find	find	VERB
easat-8057	66	5	that	that	SCONJ
easat-8057	66	6	fintech	fintech	NOUN
easat-8057	66	7	has	have	AUX
easat-8057	66	8	accelerated	accelerate	VERB
easat-8057	66	9	the	the	DET
easat-8057	66	10	development	development	NOUN
easat-8057	66	11	and	and	CCONJ
easat-8057	66	12	integration	integration	NOUN
easat-8057	66	13	of	of	ADP
easat-8057	66	14	information	information	NOUN
easat-8057	66	15	recording	recording	NOUN
easat-8057	66	16	systems	system	NOUN
easat-8057	66	17	,	,	PUNCT
easat-8057	66	18	lowered	lower	VERB
easat-8057	66	19	the	the	DET
easat-8057	66	20	cost	cost	NOUN
easat-8057	66	21	of	of	ADP
easat-8057	66	22	information	information	NOUN
easat-8057	66	23	validation	validation	NOUN
easat-8057	66	24	,	,	PUNCT
easat-8057	66	25	and	and	CCONJ
easat-8057	66	26	streamlined	streamlined	ADJ
easat-8057	66	27	data	datum	NOUN
easat-8057	66	28	organisation	organisation	NOUN
easat-8057	66	29	.	.	PUNCT
easat-8057	67	1	it	it	PRON
easat-8057	67	2	has	have	AUX
easat-8057	67	3	facilitated	facilitate	VERB
easat-8057	67	4	quicker	quick	ADJ
easat-8057	67	5	data	datum	NOUN
easat-8057	67	6	collection	collection	NOUN
easat-8057	67	7	and	and	CCONJ
easat-8057	67	8	organisation	organisation	NOUN
easat-8057	67	9	while	while	SCONJ
easat-8057	67	10	reducing	reduce	VERB
easat-8057	67	11	credit	credit	NOUN
easat-8057	67	12	risk	risk	NOUN
easat-8057	67	13	.	.	PUNCT
easat-8057	68	1	as	as	ADP
easat-8057	68	2	a	a	DET
easat-8057	68	3	result	result	NOUN
easat-8057	68	4	,	,	PUNCT
easat-8057	68	5	digital	digital	ADJ
easat-8057	68	6	finance	finance	NOUN
easat-8057	68	7	enables	enable	VERB
easat-8057	68	8	lenders	lender	NOUN
easat-8057	68	9	to	to	PART
easat-8057	68	10	process	process	VERB
easat-8057	68	11	and	and	CCONJ
easat-8057	68	12	originate	originate	VERB
easat-8057	68	13	a	a	DET
easat-8057	68	14	loan	loan	NOUN
easat-8057	68	15	faster	fast	ADV
easat-8057	68	16	while	while	SCONJ
easat-8057	68	17	reducing	reduce	VERB
easat-8057	68	18	the	the	DET
easat-8057	68	19	potential	potential	NOUN
easat-8057	68	20	for	for	ADP
easat-8057	68	21	human	human	ADJ
easat-8057	68	22	error	error	NOUN
easat-8057	68	23	,	,	PUNCT
easat-8057	68	24	therefore	therefore	ADV
easat-8057	68	25	improving	improve	VERB
easat-8057	68	26	operation	operation	NOUN
easat-8057	68	27	efficiency	efficiency	NOUN
easat-8057	68	28	[	[	X
easat-8057	68	29	20	20	NUM
easat-8057	68	30	,	,	PUNCT
easat-8057	68	31	28	28	NUM
easat-8057	68	32	]	]	PUNCT
easat-8057	68	33	.	.	PUNCT
easat-8057	69	1	moreover	moreover	ADV
easat-8057	69	2	,	,	PUNCT
easat-8057	69	3	cheng	cheng	PROPN
easat-8057	69	4	and	and	CCONJ
easat-8057	69	5	qu	qu	PROPN
easat-8057	69	6	[	[	X
easat-8057	69	7	9	9	NUM
easat-8057	69	8	]	]	PUNCT
easat-8057	69	9	and	and	CCONJ
easat-8057	69	10	li	li	PROPN
easat-8057	69	11	,	,	PUNCT
easat-8057	69	12	et	et	PROPN
easat-8057	69	13	al	al	PROPN
easat-8057	69	14	.	.	PUNCT
easat-8057	70	1	[	[	X
easat-8057	70	2	29	29	NUM
easat-8057	70	3	]	]	PUNCT
easat-8057	70	4	argue	argue	VERB
easat-8057	70	5	that	that	SCONJ
easat-8057	70	6	bank	bank	NOUN
easat-8057	70	7	fintech	fintech	NOUN
easat-8057	70	8	reduces	reduce	VERB
easat-8057	70	9	credit	credit	NOUN
easat-8057	70	10	risk	risk	NOUN
easat-8057	70	11	by	by	ADP
easat-8057	70	12	improving	improve	VERB
easat-8057	70	13	risk	risk	NOUN
easat-8057	70	14	management	management	NOUN
easat-8057	70	15	efficiency	efficiency	NOUN
easat-8057	70	16	and	and	CCONJ
easat-8057	70	17	banks	bank	NOUN
easat-8057	70	18	'	'	PART
easat-8057	70	19	internal	internal	ADJ
easat-8057	70	20	governance	governance	NOUN
easat-8057	70	21	and	and	CCONJ
easat-8057	70	22	control	control	NOUN
easat-8057	70	23	.	.	PUNCT
easat-8057	71	1	2.3	2.3	NUM
easat-8057	71	2	.	.	PUNCT
easat-8057	71	3	impact	impact	NOUN
easat-8057	71	4	of	of	ADP
easat-8057	71	5	digital	digital	ADJ
easat-8057	71	6	finance	finance	NOUN
easat-8057	71	7	on	on	ADP
easat-8057	71	8	enterprises	enterprise	NOUN
easat-8057	71	9	the	the	DET
easat-8057	71	10	focus	focus	NOUN
easat-8057	71	11	of	of	ADP
easat-8057	71	12	past	past	ADJ
easat-8057	71	13	studies	study	NOUN
easat-8057	71	14	has	have	AUX
easat-8057	71	15	been	be	AUX
easat-8057	71	16	on	on	ADP
easat-8057	71	17	the	the	DET
easat-8057	71	18	impact	impact	NOUN
easat-8057	71	19	of	of	ADP
easat-8057	71	20	digital	digital	ADJ
easat-8057	71	21	finance	finance	NOUN
easat-8057	71	22	on	on	ADP
easat-8057	71	23	credit	credit	NOUN
easat-8057	71	24	supply	supply	NOUN
easat-8057	71	25	,	,	PUNCT
easat-8057	71	26	innovation	innovation	NOUN
easat-8057	71	27	,	,	PUNCT
easat-8057	71	28	firm	firm	ADJ
easat-8057	71	29	performance	performance	NOUN
easat-8057	71	30	,	,	PUNCT
easat-8057	71	31	and	and	CCONJ
easat-8057	71	32	risk	risk	NOUN
easat-8057	71	33	for	for	ADP
easat-8057	71	34	enterprises	enterprise	NOUN
easat-8057	71	35	.	.	PUNCT
easat-8057	72	1	firstly	firstly	ADV
easat-8057	72	2	,	,	PUNCT
easat-8057	72	3	digital	digital	ADJ
easat-8057	72	4	finance	finance	NOUN
easat-8057	72	5	could	could	AUX
easat-8057	72	6	reduce	reduce	VERB
easat-8057	72	7	information	information	NOUN
easat-8057	72	8	friction	friction	NOUN
easat-8057	72	9	between	between	ADP
easat-8057	72	10	stakeholders	stakeholder	NOUN
easat-8057	72	11	and	and	CCONJ
easat-8057	72	12	enterprises	enterprise	NOUN
easat-8057	72	13	by	by	ADP
easat-8057	72	14	increasing	increase	VERB
easat-8057	72	15	access	access	NOUN
easat-8057	72	16	to	to	ADP
easat-8057	72	17	accurate	accurate	ADJ
easat-8057	72	18	and	and	CCONJ
easat-8057	72	19	rich	rich	ADJ
easat-8057	72	20	information	information	NOUN
easat-8057	72	21	and	and	CCONJ
easat-8057	72	22	expanding	expand	VERB
easat-8057	72	23	the	the	DET
easat-8057	72	24	availability	availability	NOUN
easat-8057	72	25	of	of	ADP
easat-8057	72	26	information	information	NOUN
easat-8057	72	27	channels	channel	NOUN
easat-8057	72	28	and	and	CCONJ
easat-8057	72	29	sources	source	NOUN
easat-8057	72	30	[	[	X
easat-8057	72	31	30	30	NUM
easat-8057	72	32	,	,	PUNCT
easat-8057	72	33	31	31	NUM
easat-8057	72	34	]	]	PUNCT
easat-8057	72	35	.	.	PUNCT
easat-8057	73	1	digital	digital	PROPN
easat-8057	73	2	finance	finance	NOUN
easat-8057	73	3	promotes	promote	VERB
easat-8057	73	4	information	information	NOUN
easat-8057	73	5	sharing	sharing	NOUN
easat-8057	73	6	between	between	ADP
easat-8057	73	7	lenders	lender	NOUN
easat-8057	73	8	in	in	ADP
easat-8057	73	9	the	the	DET
easat-8057	73	10	capital	capital	NOUN
easat-8057	73	11	market	market	NOUN
easat-8057	73	12	,	,	PUNCT
easat-8057	73	13	which	which	PRON
easat-8057	73	14	enables	enable	VERB
easat-8057	73	15	lenders	lender	NOUN
easat-8057	73	16	to	to	PART
easat-8057	73	17	reduce	reduce	VERB
easat-8057	73	18	the	the	DET
easat-8057	73	19	cost	cost	NOUN
easat-8057	73	20	of	of	ADP
easat-8057	73	21	monitoring	monitoring	NOUN
easat-8057	73	22	and	and	CCONJ
easat-8057	73	23	screening	screen	VERB
easat-8057	73	24	as	as	ADV
easat-8057	73	25	well	well	ADV
easat-8057	73	26	as	as	ADP
easat-8057	73	27	the	the	DET
easat-8057	73	28	default	default	NOUN
easat-8057	73	29	risk	risk	NOUN
easat-8057	73	30	[	[	X
easat-8057	73	31	32	32	NUM
easat-8057	73	32	,	,	PUNCT
easat-8057	73	33	33	33	NUM
easat-8057	73	34	]	]	PUNCT
easat-8057	73	35	.	.	PUNCT
easat-8057	74	1	therefore	therefore	ADV
easat-8057	74	2	,	,	PUNCT
easat-8057	74	3	digital	digital	ADJ
easat-8057	74	4	finance	finance	NOUN
easat-8057	74	5	increases	increase	VERB
easat-8057	74	6	credit	credit	NOUN
easat-8057	74	7	supply	supply	NOUN
easat-8057	74	8	to	to	ADP
easat-8057	74	9	borrowers	borrower	NOUN
easat-8057	74	10	who	who	PRON
easat-8057	74	11	are	be	AUX
easat-8057	74	12	suffering	suffer	VERB
easat-8057	74	13	financial	financial	ADJ
easat-8057	74	14	constraints	constraint	NOUN
easat-8057	74	15	due	due	ADP
easat-8057	74	16	to	to	ADP
easat-8057	74	17	information	information	NOUN
easat-8057	74	18	asymmetry	asymmetry	NOUN
easat-8057	74	19	.	.	PUNCT
easat-8057	75	1	digital	digital	ADJ
easat-8057	75	2	finance	finance	NOUN
easat-8057	75	3	also	also	ADV
easat-8057	75	4	provides	provide	VERB
easat-8057	75	5	funds	fund	NOUN
easat-8057	75	6	to	to	ADP
easat-8057	75	7	enterprises	enterprise	NOUN
easat-8057	75	8	during	during	ADP
easat-8057	75	9	a	a	DET
easat-8057	75	10	crisis	crisis	NOUN
easat-8057	75	11	.	.	PUNCT
easat-8057	76	1	gopal	gopal	PROPN
easat-8057	76	2	and	and	CCONJ
easat-8057	76	3	schnabl	schnabl	PROPN
easat-8057	77	1	[	[	X
easat-8057	77	2	19	19	NUM
easat-8057	77	3	]	]	PUNCT
easat-8057	77	4	find	find	VERB
easat-8057	77	5	that	that	SCONJ
easat-8057	77	6	digital	digital	ADJ
easat-8057	77	7	finance	finance	NOUN
easat-8057	77	8	alleviates	alleviate	VERB
easat-8057	77	9	financial	financial	ADJ
easat-8057	77	10	constraints	constraint	NOUN
easat-8057	77	11	of	of	ADP
easat-8057	77	12	small	small	ADJ
easat-8057	77	13	and	and	CCONJ
easat-8057	77	14	medium	medium	ADJ
easat-8057	77	15	-	-	PUNCT
easat-8057	77	16	sized	sized	ADJ
easat-8057	77	17	enterprises	enterprise	NOUN
easat-8057	77	18	(	(	PUNCT
easat-8057	77	19	smes	sme	NOUN
easat-8057	77	20	)	)	PUNCT
easat-8057	77	21	by	by	ADP
easat-8057	77	22	providing	provide	VERB
easat-8057	77	23	credit	credit	NOUN
easat-8057	77	24	to	to	ADP
easat-8057	77	25	businesses	business	NOUN
easat-8057	77	26	that	that	PRON
easat-8057	77	27	banks	bank	NOUN
easat-8057	77	28	are	be	AUX
easat-8057	77	29	not	not	PART
easat-8057	77	30	willing	willing	ADJ
easat-8057	77	31	to	to	PART
easat-8057	77	32	lend	lend	VERB
easat-8057	77	33	after	after	ADP
easat-8057	77	34	the	the	DET
easat-8057	77	35	2008	2008	NUM
easat-8057	77	36	financial	financial	ADJ
easat-8057	77	37	crisis	crisis	NOUN
easat-8057	77	38	;	;	PUNCT
easat-8057	77	39	it	it	PRON
easat-8057	77	40	becomes	become	VERB
easat-8057	77	41	a	a	DET
easat-8057	77	42	vital	vital	ADJ
easat-8057	77	43	alternative	alternative	ADJ
easat-8057	77	44	source	source	NOUN
easat-8057	77	45	of	of	ADP
easat-8057	77	46	financing	financing	NOUN
easat-8057	77	47	for	for	ADP
easat-8057	77	48	firms	firm	NOUN
easat-8057	77	49	.	.	PUNCT
easat-8057	78	1	the	the	DET
easat-8057	78	2	authors	author	NOUN
easat-8057	78	3	elucidate	elucidate	VERB
easat-8057	78	4	that	that	SCONJ
easat-8057	78	5	the	the	DET
easat-8057	78	6	utilisation	utilisation	NOUN
easat-8057	78	7	of	of	ADP
easat-8057	78	8	digital	digital	ADJ
easat-8057	78	9	technology	technology	NOUN
easat-8057	78	10	and	and	CCONJ
easat-8057	78	11	online	online	ADJ
easat-8057	78	12	credit	credit	NOUN
easat-8057	78	13	contributes	contribute	VERB
easat-8057	78	14	to	to	ADP
easat-8057	78	15	the	the	DET
easat-8057	78	16	rise	rise	NOUN
easat-8057	78	17	of	of	ADP
easat-8057	78	18	digital	digital	ADJ
easat-8057	78	19	finance	finance	NOUN
easat-8057	78	20	because	because	SCONJ
easat-8057	78	21	the	the	DET
easat-8057	78	22	new	new	ADJ
easat-8057	78	23	technology	technology	NOUN
easat-8057	78	24	reduces	reduce	VERB
easat-8057	78	25	the	the	DET
easat-8057	78	26	cost	cost	NOUN
easat-8057	78	27	of	of	ADP
easat-8057	78	28	processing	processing	NOUN
easat-8057	78	29	applications	application	NOUN
easat-8057	78	30	and	and	CCONJ
easat-8057	78	31	serves	serve	VERB
easat-8057	78	32	a	a	DET
easat-8057	78	33	larger	large	ADJ
easat-8057	78	34	pool	pool	NOUN
easat-8057	78	35	of	of	ADP
easat-8057	78	36	potential	potential	ADJ
easat-8057	78	37	borrowers	borrower	NOUN
easat-8057	78	38	,	,	PUNCT
easat-8057	78	39	which	which	PRON
easat-8057	78	40	enables	enable	VERB
easat-8057	78	41	digital	digital	ADJ
easat-8057	78	42	lenders	lender	NOUN
easat-8057	78	43	to	to	PART
easat-8057	78	44	lend	lend	VERB
easat-8057	78	45	to	to	ADP
easat-8057	78	46	small	small	ADJ
easat-8057	78	47	,	,	PUNCT
easat-8057	78	48	young	young	ADJ
easat-8057	78	49	,	,	PUNCT
easat-8057	78	50	and	and	CCONJ
easat-8057	78	51	non	non	ADJ
easat-8057	78	52	-	-	ADJ
easat-8057	78	53	transparent	transparent	ADJ
easat-8057	78	54	companies	company	NOUN
easat-8057	78	55	that	that	PRON
easat-8057	78	56	may	may	AUX
easat-8057	78	57	not	not	PART
easat-8057	78	58	meet	meet	VERB
easat-8057	78	59	the	the	DET
easat-8057	78	60	stringent	stringent	ADJ
easat-8057	78	61	requirements	requirement	NOUN
easat-8057	78	62	of	of	ADP
easat-8057	78	63	traditional	traditional	ADJ
easat-8057	78	64	banks	bank	NOUN
easat-8057	78	65	.	.	PUNCT
easat-8057	79	1	this	this	DET
easat-8057	79	2	finding	finding	NOUN
easat-8057	79	3	is	be	AUX
easat-8057	79	4	aligned	align	VERB
easat-8057	79	5	with	with	ADP
easat-8057	79	6	the	the	DET
easat-8057	79	7	result	result	NOUN
easat-8057	79	8	of	of	ADP
easat-8057	79	9	a	a	DET
easat-8057	79	10	previous	previous	ADJ
easat-8057	79	11	study	study	NOUN
easat-8057	79	12	conducted	conduct	VERB
easat-8057	79	13	by	by	ADP
easat-8057	79	14	jagtiani	jagtiani	PROPN
easat-8057	79	15	and	and	CCONJ
easat-8057	79	16	lemieux	lemieux	PROPN
easat-8057	80	1	[	[	X
easat-8057	80	2	34	34	NUM
easat-8057	80	3	]	]	PUNCT
easat-8057	80	4	who	who	PRON
easat-8057	80	5	find	find	VERB
easat-8057	80	6	fintech	fintech	NOUN
easat-8057	80	7	lenders	lender	NOUN
easat-8057	80	8	have	have	AUX
easat-8057	80	9	assisted	assist	VERB
easat-8057	80	10	particular	particular	ADJ
easat-8057	80	11	consumers	consumer	NOUN
easat-8057	80	12	with	with	ADP
easat-8057	80	13	below	below	ADP
easat-8057	80	14	-	-	PUNCT
easat-8057	80	15	average	average	NOUN
easat-8057	80	16	credit	credit	NOUN
easat-8057	80	17	scores	score	NOUN
easat-8057	80	18	in	in	ADP
easat-8057	80	19	obtaining	obtain	VERB
easat-8057	80	20	broader	broad	ADJ
easat-8057	80	21	access	access	NOUN
easat-8057	80	22	to	to	ADP
easat-8057	80	23	credit	credit	NOUN
easat-8057	80	24	at	at	ADP
easat-8057	80	25	a	a	DET
easat-8057	80	26	reduced	reduce	VERB
easat-8057	80	27	capital	capital	NOUN
easat-8057	80	28	cost	cost	NOUN
easat-8057	80	29	than	than	ADP
easat-8057	80	30	traditional	traditional	ADJ
easat-8057	80	31	financial	financial	ADJ
easat-8057	80	32	institutions	institution	NOUN
easat-8057	80	33	.	.	PUNCT
easat-8057	81	1	in	in	ADP
easat-8057	81	2	terms	term	NOUN
easat-8057	81	3	of	of	ADP
easat-8057	81	4	traditional	traditional	ADJ
easat-8057	81	5	financial	financial	ADJ
easat-8057	81	6	institutions	institution	NOUN
easat-8057	81	7	,	,	PUNCT
easat-8057	81	8	sheng	sheng	PROPN
easat-8057	82	1	[	[	X
easat-8057	82	2	35	35	NUM
easat-8057	82	3	]	]	PUNCT
easat-8057	82	4	demonstrates	demonstrate	VERB
easat-8057	82	5	that	that	SCONJ
easat-8057	82	6	the	the	DET
easat-8057	82	7	role	role	NOUN
easat-8057	82	8	of	of	ADP
easat-8057	82	9	digital	digital	ADJ
easat-8057	82	10	finance	finance	NOUN
easat-8057	82	11	in	in	ADP
easat-8057	82	12	facilitating	facilitate	VERB
easat-8057	82	13	credit	credit	NOUN
easat-8057	82	14	supply	supply	NOUN
easat-8057	82	15	to	to	ADP
easat-8057	82	16	smes	sme	NOUN
easat-8057	82	17	is	be	AUX
easat-8057	82	18	more	more	ADV
easat-8057	82	19	prominent	prominent	ADJ
easat-8057	82	20	in	in	ADP
easat-8057	82	21	large	large	ADJ
easat-8057	82	22	banks	bank	NOUN
easat-8057	82	23	than	than	ADP
easat-8057	82	24	in	in	ADP
easat-8057	82	25	small	small	ADJ
easat-8057	82	26	banks	bank	NOUN
easat-8057	82	27	.	.	PUNCT
easat-8057	83	1	second	second	ADJ
easat-8057	83	2	,	,	PUNCT
easat-8057	83	3	previous	previous	ADJ
easat-8057	83	4	literature	literature	NOUN
easat-8057	83	5	investigates	investigate	VERB
easat-8057	83	6	the	the	DET
easat-8057	83	7	role	role	NOUN
easat-8057	83	8	of	of	ADP
easat-8057	83	9	digital	digital	ADJ
easat-8057	83	10	finance	finance	NOUN
easat-8057	83	11	in	in	ADP
easat-8057	83	12	corporate	corporate	ADJ
easat-8057	83	13	innovation	innovation	NOUN
easat-8057	83	14	from	from	ADP
easat-8057	83	15	the	the	DET
easat-8057	83	16	angle	angle	NOUN
easat-8057	83	17	of	of	ADP
easat-8057	83	18	credit	credit	NOUN
easat-8057	83	19	providers	provider	NOUN
easat-8057	83	20	,	,	PUNCT
easat-8057	83	21	digital	digital	ADJ
easat-8057	83	22	finance	finance	NOUN
easat-8057	83	23	fuels	fuel	VERB
easat-8057	83	24	innovation	innovation	NOUN
easat-8057	83	25	by	by	ADP
easat-8057	83	26	relieving	relieve	VERB
easat-8057	83	27	financing	financing	NOUN
easat-8057	83	28	constraints	constraint	NOUN
easat-8057	83	29	.	.	PUNCT
easat-8057	84	1	dong	dong	PROPN
easat-8057	84	2	and	and	CCONJ
easat-8057	84	3	yu	yu	PRON
easat-8057	85	1	[	[	X
easat-8057	85	2	36	36	NUM
easat-8057	85	3	]	]	PUNCT
easat-8057	85	4	find	find	VERB
easat-8057	85	5	that	that	SCONJ
easat-8057	85	6	the	the	DET
easat-8057	85	7	fintech	fintech	NOUN
easat-8057	85	8	development	development	NOUN
easat-8057	85	9	,	,	PUNCT
easat-8057	85	10	measured	measure	VERB
easat-8057	85	11	by	by	ADP
easat-8057	85	12	the	the	DET
easat-8057	85	13	number	number	NOUN
easat-8057	85	14	of	of	ADP
easat-8057	85	15	fintech	fintech	NOUN
easat-8057	85	16	companies	company	NOUN
easat-8057	85	17	,	,	PUNCT
easat-8057	85	18	is	be	AUX
easat-8057	85	19	a	a	DET
easat-8057	85	20	significant	significant	ADJ
easat-8057	85	21	driver	driver	NOUN
easat-8057	85	22	of	of	ADP
easat-8057	85	23	innovation	innovation	NOUN
easat-8057	85	24	in	in	ADP
easat-8057	85	25	firms	firm	NOUN
easat-8057	85	26	by	by	ADP
easat-8057	85	27	reducing	reduce	VERB
easat-8057	85	28	their	their	PRON
easat-8057	85	29	information	information	NOUN
easat-8057	85	30	asymmetry	asymmetry	NOUN
easat-8057	85	31	and	and	CCONJ
easat-8057	85	32	financing	financing	NOUN
easat-8057	85	33	constraints	constraint	NOUN
easat-8057	85	34	,	,	PUNCT
easat-8057	85	35	particularly	particularly	ADV
easat-8057	85	36	for	for	ADP
easat-8057	85	37	non	non	ADJ
easat-8057	85	38	-	-	ADJ
easat-8057	85	39	state	state	NOUN
easat-8057	85	40	-	-	PUNCT
easat-8057	85	41	owned	own	VERB
easat-8057	85	42	enterprises	enterprise	NOUN
easat-8057	85	43	.	.	PUNCT
easat-8057	86	1	in	in	ADP
easat-8057	86	2	contrast	contrast	NOUN
easat-8057	86	3	,	,	PUNCT
easat-8057	86	4	tan	tan	PROPN
easat-8057	86	5	,	,	PUNCT
easat-8057	86	6	et	et	PROPN
easat-8057	86	7	al	al	PROPN
easat-8057	86	8	.	.	PUNCT
easat-8057	87	1	[	[	X
easat-8057	87	2	37	37	NUM
easat-8057	87	3	]	]	PUNCT
easat-8057	87	4	focus	focus	NOUN
easat-8057	87	5	on	on	ADP
easat-8057	87	6	banks	bank	NOUN
easat-8057	87	7	;	;	PUNCT
easat-8057	87	8	they	they	PRON
easat-8057	87	9	find	find	VERB
easat-8057	87	10	that	that	SCONJ
easat-8057	87	11	bank	bank	NOUN
easat-8057	87	12	fintech	fintech	NOUN
easat-8057	87	13	improves	improve	VERB
easat-8057	87	14	corporate	corporate	ADJ
easat-8057	87	15	innovation	innovation	NOUN
easat-8057	87	16	by	by	ADP
easat-8057	87	17	alleviating	alleviate	VERB
easat-8057	87	18	the	the	DET
easat-8057	87	19	inhibiting	inhibit	VERB
easat-8057	87	20	influence	influence	NOUN
easat-8057	87	21	of	of	ADP
easat-8057	87	22	financial	financial	ADJ
easat-8057	87	23	constraints	constraint	NOUN
easat-8057	87	24	and	and	CCONJ
easat-8057	87	25	managerial	managerial	ADJ
easat-8057	87	26	expenses	expense	NOUN
easat-8057	87	27	.	.	PUNCT
easat-8057	88	1	furthermore	furthermore	ADV
easat-8057	88	2	,	,	PUNCT
easat-8057	88	3	ding	ding	NOUN
easat-8057	88	4	,	,	PUNCT
easat-8057	88	5	et	et	PROPN
easat-8057	88	6	al	al	PROPN
easat-8057	88	7	.	.	PUNCT
easat-8057	89	1	[	[	X
easat-8057	89	2	38	38	NUM
easat-8057	89	3	]	]	PUNCT
easat-8057	89	4	point	point	NOUN
easat-8057	89	5	out	out	ADP
easat-8057	89	6	that	that	SCONJ
easat-8057	89	7	the	the	DET
easat-8057	89	8	increasing	increase	VERB
easat-8057	89	9	competition	competition	NOUN
easat-8057	89	10	in	in	ADP
easat-8057	89	11	digital	digital	ADJ
easat-8057	89	12	lending	lending	NOUN
easat-8057	89	13	and	and	CCONJ
easat-8057	89	14	bank	bank	NOUN
easat-8057	89	15	loans	loan	NOUN
easat-8057	89	16	increases	increase	VERB
easat-8057	89	17	credit	credit	NOUN
easat-8057	89	18	supply	supply	NOUN
easat-8057	89	19	to	to	ADP
easat-8057	89	20	firms	firm	NOUN
easat-8057	89	21	and	and	CCONJ
easat-8057	89	22	stimulates	stimulate	VERB
easat-8057	89	23	r&d	r&d	NOUN
easat-8057	89	24	investment	investment	NOUN
easat-8057	89	25	,	,	PUNCT
easat-8057	89	26	thus	thus	ADV
easat-8057	89	27	promoting	promote	VERB
easat-8057	89	28	corporate	corporate	ADJ
easat-8057	89	29	innovation	innovation	NOUN
easat-8057	89	30	.	.	PUNCT
easat-8057	90	1	third	third	ADJ
easat-8057	90	2	,	,	PUNCT
easat-8057	90	3	a	a	DET
easat-8057	90	4	strand	strand	NOUN
easat-8057	90	5	of	of	ADP
easat-8057	90	6	literature	literature	NOUN
easat-8057	90	7	examines	examine	VERB
easat-8057	90	8	the	the	DET
easat-8057	90	9	relationship	relationship	NOUN
easat-8057	90	10	between	between	ADP
easat-8057	90	11	digital	digital	ADJ
easat-8057	90	12	finance	finance	NOUN
easat-8057	90	13	and	and	CCONJ
easat-8057	90	14	firm	firm	ADJ
easat-8057	90	15	performance	performance	NOUN
easat-8057	90	16	,	,	PUNCT
easat-8057	90	17	and	and	CCONJ
easat-8057	90	18	also	also	ADV
easat-8057	90	19	explores	explore	VERB
easat-8057	90	20	the	the	DET
easat-8057	90	21	underlying	underlie	VERB
easat-8057	90	22	mechanism	mechanism	NOUN
easat-8057	90	23	.	.	PUNCT
easat-8057	91	1	wu	wu	PROPN
easat-8057	91	2	and	and	CCONJ
easat-8057	91	3	huang	huang	PROPN
easat-8057	92	1	[	[	X
easat-8057	92	2	39	39	NUM
easat-8057	92	3	]	]	PUNCT
easat-8057	92	4	suggest	suggest	VERB
easat-8057	92	5	that	that	SCONJ
easat-8057	92	6	digital	digital	ADJ
easat-8057	92	7	finance	finance	NOUN
easat-8057	92	8	has	have	VERB
easat-8057	92	9	a	a	DET
easat-8057	92	10	beneficial	beneficial	ADJ
easat-8057	92	11	impact	impact	NOUN
easat-8057	92	12	upon	upon	SCONJ
easat-8057	92	13	new	new	ADJ
easat-8057	92	14	energy	energy	NOUN
easat-8057	92	15	enterprises	enterprise	NOUN
easat-8057	92	16	'	'	PART
easat-8057	92	17	financial	financial	ADJ
easat-8057	92	18	performance	performance	NOUN
easat-8057	92	19	,	,	PUNCT
easat-8057	92	20	because	because	SCONJ
easat-8057	92	21	digital	digital	ADJ
easat-8057	92	22	finance	finance	NOUN
easat-8057	92	23	enables	enable	VERB
easat-8057	92	24	firms	firm	NOUN
easat-8057	92	25	to	to	PART
easat-8057	92	26	improve	improve	VERB
easat-8057	92	27	their	their	PRON
easat-8057	92	28	access	access	NOUN
easat-8057	92	29	to	to	ADP
easat-8057	92	30	capital	capital	NOUN
easat-8057	92	31	and	and	CCONJ
easat-8057	92	32	resources	resource	NOUN
easat-8057	92	33	allocation	allocation	NOUN
easat-8057	92	34	.	.	PUNCT
easat-8057	93	1	they	they	PRON
easat-8057	93	2	also	also	ADV
easat-8057	93	3	show	show	VERB
easat-8057	93	4	that	that	SCONJ
easat-8057	93	5	financial	financial	ADJ
easat-8057	93	6	constraints	constraint	NOUN
easat-8057	93	7	weaken	weaken	VERB
easat-8057	93	8	the	the	DET
easat-8057	93	9	positive	positive	ADJ
easat-8057	93	10	impact	impact	NOUN
easat-8057	93	11	of	of	ADP
easat-8057	93	12	digital	digital	ADJ
easat-8057	93	13	finance	finance	NOUN
easat-8057	93	14	on	on	ADP
easat-8057	93	15	financial	financial	ADJ
easat-8057	93	16	performance	performance	NOUN
easat-8057	93	17	.	.	PUNCT
easat-8057	94	1	then	then	ADV
easat-8057	94	2	,	,	PUNCT
easat-8057	94	3	scholars	scholar	NOUN
easat-8057	94	4	further	far	ADV
easat-8057	94	5	expand	expand	VERB
easat-8057	94	6	the	the	DET
easat-8057	94	7	scope	scope	NOUN
easat-8057	94	8	of	of	ADP
easat-8057	94	9	research	research	NOUN
easat-8057	94	10	.	.	PUNCT
easat-8057	95	1	instead	instead	ADV
easat-8057	95	2	of	of	ADP
easat-8057	95	3	only	only	ADV
easat-8057	95	4	focusing	focus	VERB
easat-8057	95	5	on	on	ADP
easat-8057	95	6	chinese	chinese	ADJ
easat-8057	95	7	listed	list	VERB
easat-8057	95	8	new	new	ADJ
easat-8057	95	9	energy	energy	NOUN
easat-8057	95	10	companies	company	NOUN
easat-8057	95	11	and	and	CCONJ
easat-8057	95	12	financial	financial	ADJ
easat-8057	95	13	performance	performance	NOUN
easat-8057	95	14	,	,	PUNCT
easat-8057	95	15	subsequent	subsequent	ADJ
easat-8057	95	16	studies	study	NOUN
easat-8057	95	17	expand	expand	VERB
easat-8057	95	18	the	the	DET
easat-8057	95	19	sample	sample	NOUN
easat-8057	95	20	to	to	ADP
easat-8057	95	21	all	all	DET
easat-8057	95	22	chinese	chinese	ADJ
easat-8057	95	23	listed	list	VERB
easat-8057	95	24	companies	company	NOUN
easat-8057	95	25	and	and	CCONJ
easat-8057	95	26	1163	1163	NUM
easat-8057	95	27	edelweiss	edelweiss	PROPN
easat-8057	95	28	applied	apply	VERB
easat-8057	95	29	science	science	NOUN
easat-8057	95	30	and	and	CCONJ
easat-8057	95	31	technology	technology	NOUN
easat-8057	95	32	issn	issn	PROPN
easat-8057	95	33	:	:	PUNCT
easat-8057	95	34	2576	2576	NUM
easat-8057	95	35	-	-	SYM
easat-8057	95	36	8484	8484	NUM
easat-8057	95	37	vol	vol	NOUN
easat-8057	95	38	.	.	PROPN
easat-8057	96	1	9	9	NUM
easat-8057	96	2	,	,	PUNCT
easat-8057	96	3	no	no	INTJ
easat-8057	96	4	.	.	NOUN
easat-8057	96	5	6	6	NUM
easat-8057	96	6	:	:	SYM
easat-8057	96	7	1160	1160	NUM
easat-8057	96	8	-	-	SYM
easat-8057	96	9	1171	1171	NUM
easat-8057	96	10	,	,	PUNCT
easat-8057	96	11	2025	2025	NUM
easat-8057	96	12	doi	doi	NOUN
easat-8057	96	13	:	:	PUNCT
easat-8057	96	14	10.55214/25768484.v9i6.8057	10.55214/25768484.v9i6.8057	NUM
easat-8057	96	15	©	©	PROPN
easat-8057	96	16	2025	2025	NUM
easat-8057	96	17	by	by	ADP
easat-8057	96	18	the	the	DET
easat-8057	96	19	authors	author	NOUN
easat-8057	96	20	;	;	PUNCT
easat-8057	96	21	licensee	licensee	PROPN
easat-8057	96	22	learning	learn	VERB
easat-8057	96	23	gate	gate	PROPN
easat-8057	96	24	economic	economic	ADJ
easat-8057	96	25	,	,	PUNCT
easat-8057	96	26	social	social	ADJ
easat-8057	96	27	,	,	PUNCT
easat-8057	96	28	and	and	CCONJ
easat-8057	96	29	environmental	environmental	ADJ
easat-8057	96	30	(	(	PUNCT
easat-8057	96	31	esg	esg	PROPN
easat-8057	96	32	)	)	PUNCT
easat-8057	96	33	performance	performance	NOUN
easat-8057	96	34	[	[	X
easat-8057	96	35	40	40	NUM
easat-8057	96	36	-	-	SYM
easat-8057	96	37	43	43	NUM
easat-8057	96	38	]	]	PUNCT
easat-8057	96	39	.	.	PUNCT
easat-8057	97	1	by	by	ADP
easat-8057	97	2	using	use	VERB
easat-8057	97	3	data	datum	NOUN
easat-8057	97	4	of	of	ADP
easat-8057	97	5	public	public	ADJ
easat-8057	97	6	-	-	PUNCT
easat-8057	97	7	listed	list	VERB
easat-8057	97	8	companies	company	NOUN
easat-8057	97	9	in	in	ADP
easat-8057	97	10	china	china	PROPN
easat-8057	97	11	,	,	PUNCT
easat-8057	97	12	mo	mo	PROPN
easat-8057	97	13	,	,	PUNCT
easat-8057	97	14	et	et	PROPN
easat-8057	97	15	al	al	PROPN
easat-8057	97	16	.	.	PUNCT
easat-8057	98	1	[	[	X
easat-8057	98	2	42	42	NUM
easat-8057	98	3	]	]	PUNCT
easat-8057	98	4	and	and	CCONJ
easat-8057	98	5	mu	mu	PROPN
easat-8057	98	6	,	,	PUNCT
easat-8057	98	7	et	et	PROPN
easat-8057	98	8	al	al	PROPN
easat-8057	98	9	.	.	PUNCT
easat-8057	99	1	[	[	X
easat-8057	99	2	40	40	NUM
easat-8057	99	3	]	]	PUNCT
easat-8057	99	4	show	show	VERB
easat-8057	99	5	that	that	SCONJ
easat-8057	99	6	digital	digital	ADJ
easat-8057	99	7	finance	finance	NOUN
easat-8057	99	8	enhances	enhance	VERB
easat-8057	99	9	corporate	corporate	ADJ
easat-8057	99	10	esg	esg	NOUN
easat-8057	99	11	performance	performance	NOUN
easat-8057	99	12	by	by	ADP
easat-8057	99	13	alleviating	alleviate	VERB
easat-8057	99	14	financing	financing	NOUN
easat-8057	99	15	constraints	constraint	NOUN
easat-8057	99	16	.	.	PUNCT
easat-8057	100	1	ren	ren	PROPN
easat-8057	100	2	,	,	PUNCT
easat-8057	100	3	et	et	PROPN
easat-8057	100	4	al	al	PROPN
easat-8057	100	5	.	.	PUNCT
easat-8057	101	1	[	[	X
easat-8057	101	2	41	41	NUM
easat-8057	101	3	]	]	PUNCT
easat-8057	101	4	find	find	VERB
easat-8057	101	5	that	that	SCONJ
easat-8057	101	6	firms	firm	NOUN
easat-8057	101	7	’	'	PUNCT
easat-8057	101	8	esg	esg	NOUN
easat-8057	101	9	performance	performance	NOUN
easat-8057	101	10	improves	improve	VERB
easat-8057	101	11	through	through	ADP
easat-8057	101	12	saving	save	VERB
easat-8057	101	13	transaction	transaction	NOUN
easat-8057	101	14	costs	cost	NOUN
easat-8057	101	15	,	,	PUNCT
easat-8057	101	16	including	include	VERB
easat-8057	101	17	financing	financing	NOUN
easat-8057	101	18	costs	cost	NOUN
easat-8057	101	19	and	and	CCONJ
easat-8057	101	20	information	information	NOUN
easat-8057	101	21	costs	cost	NOUN
easat-8057	101	22	,	,	PUNCT
easat-8057	101	23	thereby	thereby	ADV
easat-8057	101	24	enabling	enable	VERB
easat-8057	101	25	firms	firm	NOUN
easat-8057	101	26	to	to	PART
easat-8057	101	27	have	have	VERB
easat-8057	101	28	sufficient	sufficient	ADJ
easat-8057	101	29	funds	fund	NOUN
easat-8057	101	30	to	to	PART
easat-8057	101	31	boost	boost	VERB
easat-8057	101	32	green	green	ADJ
easat-8057	101	33	innovation	innovation	NOUN
easat-8057	101	34	.	.	PUNCT
easat-8057	102	1	subsequently	subsequently	ADV
easat-8057	102	2	,	,	PUNCT
easat-8057	102	3	the	the	DET
easat-8057	102	4	mediating	mediate	VERB
easat-8057	102	5	role	role	NOUN
easat-8057	102	6	of	of	ADP
easat-8057	102	7	green	green	ADJ
easat-8057	102	8	innovation	innovation	NOUN
easat-8057	102	9	on	on	ADP
easat-8057	102	10	esg	esg	PROPN
easat-8057	102	11	performance	performance	NOUN
easat-8057	102	12	is	be	AUX
easat-8057	102	13	confirmed	confirm	VERB
easat-8057	102	14	by	by	ADP
easat-8057	102	15	wu	wu	PROPN
easat-8057	102	16	,	,	PUNCT
easat-8057	102	17	et	et	PROPN
easat-8057	102	18	al	al	PROPN
easat-8057	102	19	.	.	PUNCT
easat-8057	103	1	[	[	X
easat-8057	103	2	43	43	NUM
easat-8057	103	3	]	]	PUNCT
easat-8057	103	4	.	.	PUNCT
easat-8057	104	1	lastly	lastly	ADV
easat-8057	104	2	,	,	PUNCT
easat-8057	104	3	several	several	ADJ
easat-8057	104	4	studies	study	NOUN
easat-8057	104	5	have	have	AUX
easat-8057	104	6	found	find	VERB
easat-8057	104	7	that	that	SCONJ
easat-8057	104	8	digital	digital	ADJ
easat-8057	104	9	finance	finance	NOUN
easat-8057	104	10	reduces	reduce	VERB
easat-8057	104	11	firm	firm	ADJ
easat-8057	104	12	risk	risk	NOUN
easat-8057	104	13	from	from	ADP
easat-8057	104	14	external	external	ADJ
easat-8057	104	15	and	and	CCONJ
easat-8057	104	16	internal	internal	ADJ
easat-8057	104	17	environmental	environmental	ADJ
easat-8057	104	18	perspectives	perspective	NOUN
easat-8057	104	19	.	.	PUNCT
easat-8057	105	1	in	in	ADP
easat-8057	105	2	terms	term	NOUN
easat-8057	105	3	of	of	ADP
easat-8057	105	4	the	the	DET
easat-8057	105	5	external	external	ADJ
easat-8057	105	6	environment	environment	NOUN
easat-8057	105	7	,	,	PUNCT
easat-8057	105	8	digital	digital	ADJ
easat-8057	105	9	finance	finance	NOUN
easat-8057	105	10	improves	improve	VERB
easat-8057	105	11	the	the	DET
easat-8057	105	12	financing	financing	NOUN
easat-8057	105	13	environment	environment	NOUN
easat-8057	105	14	and	and	CCONJ
easat-8057	105	15	increases	increase	VERB
easat-8057	105	16	the	the	DET
easat-8057	105	17	availability	availability	NOUN
easat-8057	105	18	of	of	ADP
easat-8057	105	19	funds	fund	NOUN
easat-8057	105	20	.	.	PUNCT
easat-8057	106	1	chen	chen	PROPN
easat-8057	106	2	,	,	PUNCT
easat-8057	106	3	et	et	PROPN
easat-8057	106	4	al	al	PROPN
easat-8057	106	5	.	.	PUNCT
easat-8057	107	1	[	[	X
easat-8057	107	2	44	44	NUM
easat-8057	107	3	]	]	PUNCT
easat-8057	107	4	conclude	conclude	VERB
easat-8057	107	5	that	that	SCONJ
easat-8057	107	6	digital	digital	ADJ
easat-8057	107	7	finance	finance	NOUN
easat-8057	107	8	could	could	AUX
easat-8057	107	9	reduce	reduce	VERB
easat-8057	107	10	firm	firm	ADJ
easat-8057	107	11	sale	sale	NOUN
easat-8057	107	12	volatility	volatility	NOUN
easat-8057	107	13	as	as	ADV
easat-8057	107	14	well	well	ADV
easat-8057	107	15	as	as	ADP
easat-8057	107	16	bankruptcy	bankruptcy	NOUN
easat-8057	107	17	possibility	possibility	NOUN
easat-8057	107	18	for	for	ADP
easat-8057	107	19	firms	firm	NOUN
easat-8057	107	20	with	with	ADP
easat-8057	107	21	limited	limited	ADJ
easat-8057	107	22	credit	credit	NOUN
easat-8057	107	23	resources	resource	NOUN
easat-8057	107	24	,	,	PUNCT
easat-8057	107	25	thereby	thereby	ADV
easat-8057	107	26	decreasing	decrease	VERB
easat-8057	107	27	the	the	DET
easat-8057	107	28	risk	risk	NOUN
easat-8057	107	29	of	of	ADP
easat-8057	107	30	a	a	DET
easat-8057	107	31	company	company	NOUN
easat-8057	107	32	.	.	PUNCT
easat-8057	108	1	they	they	PRON
easat-8057	108	2	show	show	VERB
easat-8057	108	3	that	that	SCONJ
easat-8057	108	4	digital	digital	ADJ
easat-8057	108	5	finance	finance	NOUN
easat-8057	108	6	enables	enable	VERB
easat-8057	108	7	firms	firm	NOUN
easat-8057	108	8	to	to	PART
easat-8057	108	9	increase	increase	VERB
easat-8057	108	10	advertising	advertising	NOUN
easat-8057	108	11	and	and	CCONJ
easat-8057	108	12	promote	promote	VERB
easat-8057	108	13	product	product	NOUN
easat-8057	108	14	/	/	SYM
easat-8057	108	15	sector	sector	NOUN
easat-8057	108	16	diversification	diversification	NOUN
easat-8057	108	17	.	.	PUNCT
easat-8057	109	1	this	this	PRON
easat-8057	109	2	,	,	PUNCT
easat-8057	109	3	in	in	ADP
easat-8057	109	4	turn	turn	NOUN
easat-8057	109	5	,	,	PUNCT
easat-8057	109	6	serves	serve	VERB
easat-8057	109	7	as	as	ADP
easat-8057	109	8	a	a	DET
easat-8057	109	9	mechanism	mechanism	NOUN
easat-8057	109	10	for	for	ADP
easat-8057	109	11	reducing	reduce	VERB
easat-8057	109	12	firm	firm	ADJ
easat-8057	109	13	volatility	volatility	NOUN
easat-8057	109	14	.	.	PUNCT
easat-8057	110	1	while	while	SCONJ
easat-8057	110	2	ji	ji	PROPN
easat-8057	110	3	,	,	PUNCT
easat-8057	110	4	et	et	PROPN
easat-8057	110	5	al	al	PROPN
easat-8057	110	6	.	.	PUNCT
easat-8057	111	1	[	[	X
easat-8057	111	2	14	14	NUM
easat-8057	111	3	]	]	PUNCT
easat-8057	111	4	consider	consider	VERB
easat-8057	111	5	digital	digital	ADJ
easat-8057	111	6	finance	finance	NOUN
easat-8057	111	7	as	as	ADP
easat-8057	111	8	a	a	DET
easat-8057	111	9	mechanism	mechanism	NOUN
easat-8057	111	10	to	to	PART
easat-8057	111	11	improve	improve	VERB
easat-8057	111	12	internal	internal	ADJ
easat-8057	111	13	governance	governance	NOUN
easat-8057	111	14	,	,	PUNCT
easat-8057	111	15	they	they	PRON
easat-8057	111	16	point	point	VERB
easat-8057	111	17	out	out	ADP
easat-8057	111	18	digital	digital	ADJ
easat-8057	111	19	finance	finance	NOUN
easat-8057	111	20	curbs	curb	NOUN
easat-8057	111	21	opportunistic	opportunistic	ADJ
easat-8057	111	22	activities	activity	NOUN
easat-8057	111	23	in	in	ADP
easat-8057	111	24	firms	firm	NOUN
easat-8057	111	25	and	and	CCONJ
easat-8057	111	26	prevents	prevent	VERB
easat-8057	111	27	firms	firm	NOUN
easat-8057	111	28	from	from	ADP
easat-8057	111	29	overleverage	overleverage	NOUN
easat-8057	111	30	by	by	ADP
easat-8057	111	31	gathering	gather	VERB
easat-8057	111	32	more	more	ADV
easat-8057	111	33	accurate	accurate	ADJ
easat-8057	111	34	information	information	NOUN
easat-8057	111	35	,	,	PUNCT
easat-8057	111	36	thereby	thereby	ADV
easat-8057	111	37	reducing	reduce	VERB
easat-8057	111	38	the	the	DET
easat-8057	111	39	bankruptcy	bankruptcy	NOUN
easat-8057	111	40	risk	risk	NOUN
easat-8057	111	41	of	of	ADP
easat-8057	111	42	firms	firm	NOUN
easat-8057	111	43	.	.	PUNCT
easat-8057	112	1	3	3	X
easat-8057	112	2	.	.	X
easat-8057	112	3	determinants	determinant	NOUN
easat-8057	112	4	of	of	ADP
easat-8057	112	5	capital	capital	NOUN
easat-8057	112	6	structure	structure	NOUN
easat-8057	112	7	previous	previous	ADJ
easat-8057	112	8	studies	study	NOUN
easat-8057	112	9	have	have	AUX
easat-8057	112	10	discovered	discover	VERB
easat-8057	112	11	various	various	ADJ
easat-8057	112	12	factors	factor	NOUN
easat-8057	112	13	that	that	PRON
easat-8057	112	14	determine	determine	VERB
easat-8057	112	15	capital	capital	NOUN
easat-8057	112	16	structure	structure	NOUN
easat-8057	112	17	.	.	PUNCT
easat-8057	113	1	these	these	DET
easat-8057	113	2	factors	factor	NOUN
easat-8057	113	3	can	can	AUX
easat-8057	113	4	be	be	AUX
easat-8057	113	5	classified	classify	VERB
easat-8057	113	6	into	into	ADP
easat-8057	113	7	three	three	NUM
easat-8057	113	8	categories	category	NOUN
easat-8057	113	9	:	:	PUNCT
easat-8057	113	10	firm	firm	ADJ
easat-8057	113	11	-	-	PUNCT
easat-8057	113	12	specific	specific	ADJ
easat-8057	113	13	,	,	PUNCT
easat-8057	113	14	industry	industry	NOUN
easat-8057	113	15	and	and	CCONJ
easat-8057	113	16	macroeconomic	macroeconomic	ADJ
easat-8057	113	17	factors	factor	NOUN
easat-8057	113	18	.	.	PUNCT
easat-8057	114	1	firm	firm	ADJ
easat-8057	114	2	-	-	PUNCT
easat-8057	114	3	specific	specific	ADJ
easat-8057	114	4	factors	factor	NOUN
easat-8057	114	5	include	include	VERB
easat-8057	114	6	profitability	profitability	NOUN
easat-8057	114	7	[	[	X
easat-8057	114	8	45	45	NUM
easat-8057	114	9	-	-	SYM
easat-8057	114	10	50	50	NUM
easat-8057	114	11	]	]	PUNCT
easat-8057	114	12	.	.	PUNCT
easat-8057	115	1	firm	firm	ADJ
easat-8057	115	2	size	size	NOUN
easat-8057	115	3	[	[	X
easat-8057	115	4	51	51	NUM
easat-8057	115	5	-	-	SYM
easat-8057	115	6	55	55	NUM
easat-8057	115	7	]	]	PUNCT
easat-8057	115	8	.	.	PUNCT
easat-8057	116	1	tangible	tangible	ADJ
easat-8057	116	2	assets	asset	NOUN
easat-8057	116	3	[	[	X
easat-8057	116	4	49	49	NUM
easat-8057	116	5	,	,	PUNCT
easat-8057	116	6	56	56	NUM
easat-8057	116	7	-	-	SYM
easat-8057	116	8	60	60	NUM
easat-8057	116	9	]	]	PUNCT
easat-8057	116	10	.	.	PUNCT
easat-8057	117	1	earnings	earning	NOUN
easat-8057	117	2	volatility	volatility	NOUN
easat-8057	117	3	[	[	X
easat-8057	117	4	49	49	NUM
easat-8057	117	5	,	,	PUNCT
easat-8057	117	6	52	52	NUM
easat-8057	117	7	,	,	PUNCT
easat-8057	117	8	61	61	NUM
easat-8057	117	9	-	-	SYM
easat-8057	117	10	63	63	NUM
easat-8057	117	11	]	]	PUNCT
easat-8057	117	12	.	.	PUNCT
easat-8057	118	1	firm	firm	ADJ
easat-8057	118	2	age	age	NOUN
easat-8057	118	3	[	[	X
easat-8057	118	4	59	59	NUM
easat-8057	118	5	,	,	PUNCT
easat-8057	118	6	64	64	NUM
easat-8057	118	7	-	-	SYM
easat-8057	118	8	67	67	NUM
easat-8057	118	9	]	]	PUNCT
easat-8057	118	10	.	.	PUNCT
easat-8057	119	1	earning	earn	VERB
easat-8057	119	2	and	and	CCONJ
easat-8057	119	3	non	non	ADJ
easat-8057	119	4	-	-	ADJ
easat-8057	119	5	debt	debt	ADJ
easat-8057	119	6	tax	tax	NOUN
easat-8057	119	7	shield	shield	NOUN
easat-8057	119	8	[	[	X
easat-8057	119	9	68	68	NUM
easat-8057	119	10	-	-	SYM
easat-8057	119	11	70	70	NUM
easat-8057	119	12	]	]	PUNCT
easat-8057	119	13	.	.	PUNCT
easat-8057	120	1	the	the	DET
easat-8057	120	2	industry	industry	NOUN
easat-8057	120	3	factors	factor	NOUN
easat-8057	120	4	would	would	AUX
easat-8057	120	5	include	include	VERB
easat-8057	120	6	munificence[71	munificence[71	NOUN
easat-8057	120	7	,	,	PUNCT
easat-8057	120	8	72	72	NUM
easat-8057	120	9	]	]	PUNCT
easat-8057	120	10	and	and	CCONJ
easat-8057	120	11	competition	competition	NOUN
easat-8057	120	12	[	[	X
easat-8057	120	13	73	73	NUM
easat-8057	120	14	-	-	SYM
easat-8057	120	15	75	75	NUM
easat-8057	120	16	]	]	PUNCT
easat-8057	120	17	.	.	PUNCT
easat-8057	121	1	meanwhile	meanwhile	ADV
easat-8057	121	2	,	,	PUNCT
easat-8057	121	3	macro	macro	ADJ
easat-8057	121	4	factors	factor	NOUN
easat-8057	121	5	include	include	VERB
easat-8057	121	6	economic	economic	ADJ
easat-8057	121	7	growth	growth	NOUN
easat-8057	121	8	[	[	X
easat-8057	121	9	76	76	NUM
easat-8057	121	10	-	-	SYM
easat-8057	121	11	78	78	NUM
easat-8057	121	12	]	]	PUNCT
easat-8057	121	13	and	and	CCONJ
easat-8057	121	14	inflation	inflation	NOUN
easat-8057	121	15	[	[	X
easat-8057	121	16	46	46	NUM
easat-8057	121	17	,	,	PUNCT
easat-8057	121	18	79	79	NUM
easat-8057	121	19	-	-	SYM
easat-8057	121	20	81	81	NUM
easat-8057	121	21	]	]	PUNCT
easat-8057	121	22	.	.	PUNCT
easat-8057	122	1	4	4	X
easat-8057	122	2	.	.	X
easat-8057	122	3	conceptual	conceptual	ADJ
easat-8057	122	4	framework	framework	NOUN
easat-8057	122	5	although	although	SCONJ
easat-8057	122	6	there	there	PRON
easat-8057	122	7	are	be	VERB
easat-8057	122	8	a	a	DET
easat-8057	122	9	variety	variety	NOUN
easat-8057	122	10	of	of	ADP
easat-8057	122	11	determinants	determinant	NOUN
easat-8057	122	12	of	of	ADP
easat-8057	122	13	capital	capital	NOUN
easat-8057	122	14	structure	structure	NOUN
easat-8057	122	15	that	that	PRON
easat-8057	122	16	have	have	AUX
easat-8057	122	17	been	be	AUX
easat-8057	122	18	investigated	investigate	VERB
easat-8057	122	19	,	,	PUNCT
easat-8057	122	20	a	a	DET
easat-8057	122	21	new	new	ADJ
easat-8057	122	22	emerging	emerge	VERB
easat-8057	122	23	factor	factor	NOUN
easat-8057	122	24	,	,	PUNCT
easat-8057	122	25	which	which	PRON
easat-8057	122	26	is	be	AUX
easat-8057	122	27	digital	digital	ADJ
easat-8057	122	28	finance	finance	NOUN
easat-8057	122	29	,	,	PUNCT
easat-8057	122	30	should	should	AUX
easat-8057	122	31	be	be	AUX
easat-8057	122	32	considered	consider	VERB
easat-8057	122	33	.	.	PUNCT
easat-8057	123	1	capital	capital	NOUN
easat-8057	123	2	structure	structure	NOUN
easat-8057	123	3	theories	theory	NOUN
easat-8057	123	4	indicates	indicate	VERB
easat-8057	123	5	that	that	SCONJ
easat-8057	123	6	financial	financial	ADJ
easat-8057	123	7	constraints	constraint	NOUN
easat-8057	123	8	and	and	CCONJ
easat-8057	123	9	information	information	NOUN
easat-8057	123	10	asymmetry	asymmetry	NOUN
easat-8057	123	11	are	be	AUX
easat-8057	123	12	the	the	DET
easat-8057	123	13	factors	factor	NOUN
easat-8057	123	14	that	that	SCONJ
easat-8057	123	15	affecting	affect	VERB
easat-8057	123	16	capital	capital	NOUN
easat-8057	123	17	structure	structure	NOUN
easat-8057	123	18	.	.	PUNCT
easat-8057	124	1	previous	previous	ADJ
easat-8057	124	2	studies	study	NOUN
easat-8057	124	3	suggest	suggest	VERB
easat-8057	124	4	that	that	SCONJ
easat-8057	124	5	digital	digital	ADJ
easat-8057	124	6	finance	finance	NOUN
easat-8057	124	7	is	be	AUX
easat-8057	124	8	capable	capable	ADJ
easat-8057	124	9	of	of	ADP
easat-8057	124	10	alleviating	alleviate	VERB
easat-8057	124	11	information	information	NOUN
easat-8057	124	12	asymmetry	asymmetry	NOUN
easat-8057	124	13	and	and	CCONJ
easat-8057	124	14	financial	financial	ADJ
easat-8057	124	15	constraints	constraint	NOUN
easat-8057	124	16	[	[	X
easat-8057	124	17	82	82	NUM
easat-8057	124	18	-	-	SYM
easat-8057	124	19	85	85	NUM
easat-8057	124	20	]	]	PUNCT
easat-8057	124	21	.	.	PUNCT
easat-8057	125	1	therefore	therefore	ADV
easat-8057	125	2	,	,	PUNCT
easat-8057	125	3	digital	digital	ADJ
easat-8057	125	4	finance	finance	NOUN
easat-8057	125	5	may	may	AUX
easat-8057	125	6	impose	impose	VERB
easat-8057	125	7	impact	impact	NOUN
easat-8057	125	8	on	on	ADP
easat-8057	125	9	capital	capital	NOUN
easat-8057	125	10	structure	structure	NOUN
easat-8057	125	11	through	through	ADP
easat-8057	125	12	two	two	NUM
easat-8057	125	13	variables	variable	NOUN
easat-8057	125	14	.	.	PUNCT
easat-8057	126	1	this	this	DET
easat-8057	126	2	study	study	NOUN
easat-8057	126	3	's	's	PART
easat-8057	126	4	conceptual	conceptual	ADJ
easat-8057	126	5	framework	framework	NOUN
easat-8057	126	6	is	be	AUX
easat-8057	126	7	demonstrated	demonstrate	VERB
easat-8057	126	8	in	in	ADP
easat-8057	126	9	figure	figure	NOUN
easat-8057	126	10	1	1	NUM
easat-8057	126	11	.	.	PUNCT
easat-8057	126	12	figure	figure	NOUN
easat-8057	126	13	1	1	NUM
easat-8057	126	14	.	.	PUNCT
easat-8057	126	15	conceptual	conceptual	ADJ
easat-8057	126	16	framework	framework	NOUN
easat-8057	126	17	.	.	PUNCT
easat-8057	127	1	4.1	4.1	NUM
easat-8057	127	2	.	.	PUNCT
easat-8057	128	1	the	the	DET
easat-8057	128	2	impact	impact	NOUN
easat-8057	128	3	of	of	ADP
easat-8057	128	4	digital	digital	ADJ
easat-8057	128	5	finance	finance	NOUN
easat-8057	128	6	on	on	ADP
easat-8057	128	7	capital	capital	NOUN
easat-8057	128	8	structure	structure	NOUN
easat-8057	128	9	relying	rely	VERB
easat-8057	128	10	on	on	ADP
easat-8057	128	11	abcdi	abcdi	ADJ
easat-8057	128	12	,	,	PUNCT
easat-8057	128	13	digital	digital	ADJ
easat-8057	128	14	finance	finance	NOUN
easat-8057	128	15	enhances	enhance	VERB
easat-8057	128	16	the	the	DET
easat-8057	128	17	quality	quality	NOUN
easat-8057	128	18	of	of	ADP
easat-8057	128	19	information	information	NOUN
easat-8057	128	20	disclosure	disclosure	NOUN
easat-8057	128	21	between	between	ADP
easat-8057	128	22	financial	financial	ADJ
easat-8057	128	23	institutions	institution	NOUN
easat-8057	128	24	and	and	CCONJ
easat-8057	128	25	enterprises	enterprise	NOUN
easat-8057	128	26	,	,	PUNCT
easat-8057	128	27	reducing	reduce	VERB
easat-8057	128	28	the	the	DET
easat-8057	128	29	information	information	NOUN
easat-8057	128	30	search	search	NOUN
easat-8057	128	31	cost	cost	NOUN
easat-8057	128	32	and	and	CCONJ
easat-8057	128	33	credit	credit	NOUN
easat-8057	128	34	assessment	assessment	NOUN
easat-8057	128	35	cost	cost	VERB
easat-8057	128	36	[	[	X
easat-8057	128	37	86	86	NUM
easat-8057	128	38	,	,	PUNCT
easat-8057	128	39	87	87	NUM
easat-8057	128	40	]	]	PUNCT
easat-8057	128	41	.	.	PUNCT
easat-8057	129	1	in	in	ADP
easat-8057	129	2	addition	addition	NOUN
easat-8057	129	3	,	,	PUNCT
easat-8057	129	4	digital	digital	ADJ
easat-8057	129	5	finance	finance	NOUN
easat-8057	129	6	could	could	AUX
easat-8057	129	7	improve	improve	VERB
easat-8057	129	8	the	the	DET
easat-8057	129	9	trust	trust	NOUN
easat-8057	129	10	and	and	CCONJ
easat-8057	129	11	understanding	understanding	NOUN
easat-8057	129	12	among	among	ADP
easat-8057	129	13	financial	financial	ADJ
easat-8057	129	14	institutions	institution	NOUN
easat-8057	129	15	and	and	CCONJ
easat-8057	129	16	1164	1164	NUM
easat-8057	129	17	edelweiss	edelweiss	PROPN
easat-8057	129	18	applied	apply	VERB
easat-8057	129	19	science	science	NOUN
easat-8057	129	20	and	and	CCONJ
easat-8057	129	21	technology	technology	NOUN
easat-8057	129	22	issn	issn	PROPN
easat-8057	129	23	:	:	PUNCT
easat-8057	129	24	2576	2576	NUM
easat-8057	129	25	-	-	SYM
easat-8057	129	26	8484	8484	NUM
easat-8057	129	27	vol	vol	NOUN
easat-8057	129	28	.	.	PROPN
easat-8057	130	1	9	9	NUM
easat-8057	130	2	,	,	PUNCT
easat-8057	130	3	no	no	INTJ
easat-8057	130	4	.	.	NOUN
easat-8057	130	5	6	6	NUM
easat-8057	130	6	:	:	SYM
easat-8057	130	7	1160	1160	NUM
easat-8057	130	8	-	-	SYM
easat-8057	130	9	1171	1171	NUM
easat-8057	130	10	,	,	PUNCT
easat-8057	130	11	2025	2025	NUM
easat-8057	130	12	doi	doi	NOUN
easat-8057	130	13	:	:	PUNCT
easat-8057	130	14	10.55214/25768484.v9i6.8057	10.55214/25768484.v9i6.8057	NUM
easat-8057	130	15	©	©	PROPN
easat-8057	130	16	2025	2025	NUM
easat-8057	130	17	by	by	ADP
easat-8057	130	18	the	the	DET
easat-8057	130	19	authors	author	NOUN
easat-8057	130	20	;	;	PUNCT
easat-8057	131	1	licensee	licensee	PROPN
easat-8057	131	2	learning	learn	VERB
easat-8057	131	3	gate	gate	NOUN
easat-8057	131	4	enterprises	enterprise	NOUN
easat-8057	131	5	by	by	ADP
easat-8057	131	6	the	the	DET
easat-8057	131	7	information	information	NOUN
easat-8057	131	8	transparency	transparency	NOUN
easat-8057	131	9	,	,	PUNCT
easat-8057	131	10	thereby	thereby	ADV
easat-8057	131	11	addressing	address	VERB
easat-8057	131	12	the	the	DET
easat-8057	131	13	financial	financial	ADJ
easat-8057	131	14	mismatch	mismatch	NOUN
easat-8057	131	15	between	between	ADP
easat-8057	131	16	credit	credit	NOUN
easat-8057	131	17	supply	supply	NOUN
easat-8057	131	18	and	and	CCONJ
easat-8057	131	19	real	real	ADJ
easat-8057	131	20	enterprises	enterprise	NOUN
easat-8057	131	21	'	'	PART
easat-8057	131	22	demand	demand	NOUN
easat-8057	131	23	[	[	X
easat-8057	131	24	88	88	NUM
easat-8057	131	25	]	]	PUNCT
easat-8057	131	26	.	.	PUNCT
easat-8057	132	1	therefore	therefore	ADV
easat-8057	132	2	,	,	PUNCT
easat-8057	132	3	based	base	VERB
easat-8057	132	4	on	on	ADP
easat-8057	132	5	the	the	DET
easat-8057	132	6	information	information	NOUN
easat-8057	132	7	,	,	PUNCT
easat-8057	132	8	financial	financial	ADJ
easat-8057	132	9	institutions	institution	NOUN
easat-8057	132	10	could	could	AUX
easat-8057	132	11	estimate	estimate	VERB
easat-8057	132	12	a	a	DET
easat-8057	132	13	firm	firm	NOUN
easat-8057	132	14	's	's	PART
easat-8057	132	15	performance	performance	NOUN
easat-8057	132	16	,	,	PUNCT
easat-8057	132	17	identify	identify	VERB
easat-8057	132	18	potential	potential	ADJ
easat-8057	132	19	risks	risk	NOUN
easat-8057	132	20	and	and	CCONJ
easat-8057	132	21	reduce	reduce	VERB
easat-8057	132	22	debt	debt	NOUN
easat-8057	132	23	losses	loss	NOUN
easat-8057	132	24	[	[	X
easat-8057	132	25	9	9	NUM
easat-8057	132	26	]	]	PUNCT
easat-8057	132	27	.	.	PUNCT
easat-8057	133	1	since	since	SCONJ
easat-8057	133	2	financial	financial	ADJ
easat-8057	133	3	institutions	institution	NOUN
easat-8057	133	4	could	could	AUX
easat-8057	133	5	control	control	VERB
easat-8057	133	6	default	default	NOUN
easat-8057	133	7	risks	risk	NOUN
easat-8057	133	8	effectively	effectively	ADV
easat-8057	133	9	,	,	PUNCT
easat-8057	133	10	they	they	PRON
easat-8057	133	11	may	may	AUX
easat-8057	133	12	be	be	AUX
easat-8057	133	13	more	more	ADV
easat-8057	133	14	willing	willing	ADJ
easat-8057	133	15	to	to	PART
easat-8057	133	16	expand	expand	VERB
easat-8057	133	17	credit	credit	NOUN
easat-8057	133	18	at	at	ADP
easat-8057	133	19	lower	low	ADJ
easat-8057	133	20	interest	interest	NOUN
easat-8057	133	21	rates	rate	NOUN
easat-8057	133	22	due	due	ADJ
easat-8057	133	23	to	to	ADP
easat-8057	133	24	reduced	reduce	VERB
easat-8057	133	25	uncertainty	uncertainty	NOUN
easat-8057	133	26	about	about	ADP
easat-8057	133	27	enterprises	enterprise	NOUN
easat-8057	133	28	’	'	PUNCT
easat-8057	133	29	financial	financial	ADJ
easat-8057	133	30	positions	position	NOUN
easat-8057	133	31	[	[	X
easat-8057	133	32	89	89	NUM
easat-8057	133	33	]	]	PUNCT
easat-8057	133	34	.	.	PUNCT
easat-8057	134	1	the	the	DET
easat-8057	134	2	reduction	reduction	NOUN
easat-8057	134	3	of	of	ADP
easat-8057	134	4	financing	financing	NOUN
easat-8057	134	5	costs	cost	NOUN
easat-8057	134	6	and	and	CCONJ
easat-8057	134	7	the	the	DET
easat-8057	134	8	easing	easing	NOUN
easat-8057	134	9	of	of	ADP
easat-8057	134	10	financial	financial	ADJ
easat-8057	134	11	constraints	constraint	NOUN
easat-8057	134	12	means	mean	VERB
easat-8057	134	13	enterprises	enterprise	NOUN
easat-8057	134	14	can	can	AUX
easat-8057	134	15	secure	secure	VERB
easat-8057	134	16	funds	fund	NOUN
easat-8057	134	17	for	for	ADP
easat-8057	134	18	their	their	PRON
easat-8057	134	19	investment	investment	NOUN
easat-8057	134	20	at	at	ADP
easat-8057	134	21	a	a	DET
easat-8057	134	22	lower	low	ADJ
easat-8057	134	23	interest	interest	NOUN
easat-8057	134	24	expense	expense	NOUN
easat-8057	134	25	timely	timely	ADV
easat-8057	134	26	,	,	PUNCT
easat-8057	134	27	which	which	PRON
easat-8057	134	28	would	would	AUX
easat-8057	134	29	enable	enable	VERB
easat-8057	134	30	firms	firm	NOUN
easat-8057	134	31	to	to	PART
easat-8057	134	32	maximise	maximise	VERB
easat-8057	134	33	their	their	PRON
easat-8057	134	34	value	value	NOUN
easat-8057	134	35	by	by	ADP
easat-8057	134	36	increasing	increase	VERB
easat-8057	134	37	leverage	leverage	NOUN
easat-8057	134	38	.	.	PUNCT
easat-8057	135	1	however	however	ADV
easat-8057	135	2	,	,	PUNCT
easat-8057	135	3	this	this	PRON
easat-8057	135	4	may	may	AUX
easat-8057	135	5	improve	improve	VERB
easat-8057	135	6	enterprise	enterprise	NOUN
easat-8057	135	7	profitability	profitability	NOUN
easat-8057	135	8	,	,	PUNCT
easat-8057	135	9	thereby	thereby	ADV
easat-8057	135	10	having	have	VERB
easat-8057	135	11	surplus	surplus	ADJ
easat-8057	135	12	funds	fund	NOUN
easat-8057	135	13	to	to	PART
easat-8057	135	14	repay	repay	VERB
easat-8057	135	15	debt	debt	NOUN
easat-8057	135	16	and	and	CCONJ
easat-8057	135	17	invest	invest	VERB
easat-8057	135	18	.	.	PUNCT
easat-8057	136	1	in	in	ADP
easat-8057	136	2	addition	addition	NOUN
easat-8057	136	3	to	to	ADP
easat-8057	136	4	debt	debt	NOUN
easat-8057	136	5	,	,	PUNCT
easat-8057	136	6	enterprises	enterprise	NOUN
easat-8057	136	7	can	can	AUX
easat-8057	136	8	also	also	ADV
easat-8057	136	9	rely	rely	VERB
easat-8057	136	10	on	on	ADP
easat-8057	136	11	equity	equity	NOUN
easat-8057	136	12	crowdfunding	crowdfunding	NOUN
easat-8057	136	13	for	for	ADP
easat-8057	136	14	financing	financing	NOUN
easat-8057	136	15	,	,	PUNCT
easat-8057	136	16	reducing	reduce	VERB
easat-8057	136	17	their	their	PRON
easat-8057	136	18	reliance	reliance	NOUN
easat-8057	136	19	on	on	ADP
easat-8057	136	20	debt	debt	NOUN
easat-8057	136	21	financing	financing	NOUN
easat-8057	136	22	.	.	PUNCT
easat-8057	137	1	additionally	additionally	ADV
easat-8057	137	2	,	,	PUNCT
easat-8057	137	3	digital	digital	ADJ
easat-8057	137	4	finance	finance	NOUN
easat-8057	137	5	could	could	AUX
easat-8057	137	6	also	also	ADV
easat-8057	137	7	alleviate	alleviate	VERB
easat-8057	137	8	the	the	DET
easat-8057	137	9	principal	principal	ADJ
easat-8057	137	10	-	-	PUNCT
easat-8057	137	11	agent	agent	NOUN
easat-8057	137	12	problem	problem	NOUN
easat-8057	137	13	by	by	ADP
easat-8057	137	14	improving	improve	VERB
easat-8057	137	15	the	the	DET
easat-8057	137	16	information	information	NOUN
easat-8057	137	17	sharing	sharing	NOUN
easat-8057	137	18	between	between	ADP
easat-8057	137	19	shareholders	shareholder	NOUN
easat-8057	137	20	and	and	CCONJ
easat-8057	137	21	management	management	NOUN
easat-8057	137	22	,	,	PUNCT
easat-8057	137	23	strengthening	strengthen	VERB
easat-8057	137	24	the	the	DET
easat-8057	137	25	supervision	supervision	NOUN
easat-8057	137	26	of	of	ADP
easat-8057	137	27	shareholders	shareholder	NOUN
easat-8057	137	28	on	on	ADP
easat-8057	137	29	the	the	DET
easat-8057	137	30	behaviour	behaviour	NOUN
easat-8057	137	31	of	of	ADP
easat-8057	137	32	the	the	DET
easat-8057	137	33	management	management	NOUN
easat-8057	137	34	,	,	PUNCT
easat-8057	137	35	weaken	weaken	VERB
easat-8057	137	36	the	the	DET
easat-8057	137	37	opportunistic	opportunistic	ADJ
easat-8057	137	38	activities	activity	NOUN
easat-8057	137	39	of	of	ADP
easat-8057	137	40	the	the	DET
easat-8057	137	41	management	management	NOUN
easat-8057	137	42	,	,	PUNCT
easat-8057	137	43	resulting	result	VERB
easat-8057	137	44	in	in	ADP
easat-8057	137	45	the	the	DET
easat-8057	137	46	decrease	decrease	NOUN
easat-8057	137	47	of	of	ADP
easat-8057	137	48	bankruptcy	bankruptcy	NOUN
easat-8057	137	49	risk	risk	NOUN
easat-8057	137	50	of	of	ADP
easat-8057	137	51	the	the	DET
easat-8057	137	52	firm	firm	NOUN
easat-8057	137	53	[	[	X
easat-8057	137	54	14	14	NUM
easat-8057	137	55	]	]	PUNCT
easat-8057	137	56	.	.	PUNCT
easat-8057	138	1	moreover	moreover	ADV
easat-8057	138	2	,	,	PUNCT
easat-8057	138	3	digital	digital	ADJ
easat-8057	138	4	finance	finance	NOUN
easat-8057	138	5	could	could	AUX
easat-8057	138	6	improve	improve	VERB
easat-8057	138	7	total	total	ADJ
easat-8057	138	8	factor	factor	NOUN
easat-8057	138	9	productivity	productivity	NOUN
easat-8057	138	10	digital	digital	ADJ
easat-8057	138	11	finance	finance	NOUN
easat-8057	138	12	could	could	AUX
easat-8057	138	13	improve	improve	VERB
easat-8057	138	14	total	total	ADJ
easat-8057	138	15	factor	factor	NOUN
easat-8057	138	16	productivity	productivity	NOUN
easat-8057	138	17	through	through	ADP
easat-8057	138	18	the	the	DET
easat-8057	138	19	alleviation	alleviation	NOUN
easat-8057	138	20	of	of	ADP
easat-8057	138	21	financing	financing	NOUN
easat-8057	138	22	constraints	constraint	NOUN
easat-8057	138	23	,	,	PUNCT
easat-8057	138	24	the	the	DET
easat-8057	138	25	improvement	improvement	NOUN
easat-8057	138	26	of	of	ADP
easat-8057	138	27	human	human	ADJ
easat-8057	138	28	capital	capital	NOUN
easat-8057	138	29	level	level	NOUN
easat-8057	138	30	and	and	CCONJ
easat-8057	138	31	the	the	DET
easat-8057	138	32	enhancement	enhancement	NOUN
easat-8057	138	33	of	of	ADP
easat-8057	138	34	capacity	capacity	NOUN
easat-8057	138	35	for	for	ADP
easat-8057	138	36	enterprise	enterprise	NOUN
easat-8057	138	37	risk	risk	NOUN
easat-8057	138	38	-	-	PUNCT
easat-8057	138	39	taking	take	VERB
easat-8057	138	40	[	[	NOUN
easat-8057	138	41	90	90	NUM
easat-8057	138	42	]	]	PUNCT
easat-8057	138	43	.	.	PUNCT
easat-8057	139	1	with	with	ADP
easat-8057	139	2	access	access	NOUN
easat-8057	139	3	to	to	ADP
easat-8057	139	4	advanced	advanced	ADJ
easat-8057	139	5	information	information	NOUN
easat-8057	139	6	technology	technology	NOUN
easat-8057	139	7	,	,	PUNCT
easat-8057	139	8	enterprises	enterprise	NOUN
easat-8057	139	9	could	could	AUX
easat-8057	139	10	better	well	ADV
easat-8057	139	11	understand	understand	VERB
easat-8057	139	12	market	market	NOUN
easat-8057	139	13	trends	trend	NOUN
easat-8057	139	14	and	and	CCONJ
easat-8057	139	15	customer	customer	NOUN
easat-8057	139	16	value	value	NOUN
easat-8057	139	17	,	,	PUNCT
easat-8057	139	18	allowing	allow	VERB
easat-8057	139	19	them	they	PRON
easat-8057	139	20	to	to	PART
easat-8057	139	21	identify	identify	VERB
easat-8057	139	22	inefficient	inefficient	ADJ
easat-8057	139	23	projects	project	NOUN
easat-8057	139	24	in	in	ADP
easat-8057	139	25	advance	advance	NOUN
easat-8057	139	26	,	,	PUNCT
easat-8057	139	27	which	which	PRON
easat-8057	139	28	helps	help	VERB
easat-8057	139	29	firms	firm	NOUN
easat-8057	139	30	recover	recover	VERB
easat-8057	139	31	funds	fund	NOUN
easat-8057	139	32	and	and	CCONJ
easat-8057	139	33	improve	improve	VERB
easat-8057	139	34	the	the	DET
easat-8057	139	35	overall	overall	ADJ
easat-8057	139	36	efficiency	efficiency	NOUN
easat-8057	139	37	of	of	ADP
easat-8057	139	38	capital	capital	NOUN
easat-8057	139	39	use	use	NOUN
easat-8057	139	40	[	[	X
easat-8057	139	41	91	91	NUM
easat-8057	139	42	]	]	PUNCT
easat-8057	139	43	.	.	PUNCT
easat-8057	140	1	the	the	DET
easat-8057	140	2	reduction	reduction	NOUN
easat-8057	140	3	of	of	ADP
easat-8057	140	4	business	business	NOUN
easat-8057	140	5	risks	risk	NOUN
easat-8057	140	6	and	and	CCONJ
easat-8057	140	7	the	the	DET
easat-8057	140	8	improvement	improvement	NOUN
easat-8057	140	9	of	of	ADP
easat-8057	140	10	total	total	ADJ
easat-8057	140	11	factor	factor	NOUN
easat-8057	140	12	productivity	productivity	NOUN
easat-8057	140	13	will	will	AUX
easat-8057	140	14	increase	increase	VERB
easat-8057	140	15	enterprises	enterprise	NOUN
easat-8057	140	16	’	'	PUNCT
easat-8057	140	17	profit	profit	NOUN
easat-8057	140	18	and	and	CCONJ
easat-8057	140	19	debt	debt	NOUN
easat-8057	140	20	repayment	repayment	NOUN
easat-8057	140	21	ability	ability	NOUN
easat-8057	140	22	and	and	CCONJ
easat-8057	140	23	thus	thus	ADV
easat-8057	140	24	reduce	reduce	VERB
easat-8057	140	25	enterprises	enterprise	NOUN
easat-8057	140	26	'	'	PART
easat-8057	140	27	leverage	leverage	NOUN
easat-8057	140	28	ratio	ratio	NOUN
easat-8057	140	29	.	.	PUNCT
easat-8057	141	1	4.2	4.2	NUM
easat-8057	141	2	.	.	PUNCT
easat-8057	142	1	digital	digital	PROPN
easat-8057	142	2	finance	finance	NOUN
easat-8057	142	3	,	,	PUNCT
easat-8057	142	4	information	information	NOUN
easat-8057	142	5	asymmetry	asymmetry	NOUN
easat-8057	142	6	and	and	CCONJ
easat-8057	142	7	capital	capital	NOUN
easat-8057	142	8	structure	structure	NOUN
easat-8057	142	9	information	information	NOUN
easat-8057	142	10	asymmetry	asymmetry	NOUN
easat-8057	142	11	refers	refer	VERB
easat-8057	142	12	to	to	ADP
easat-8057	142	13	the	the	DET
easat-8057	142	14	information	information	NOUN
easat-8057	142	15	gap	gap	NOUN
easat-8057	142	16	between	between	ADP
easat-8057	142	17	the	the	DET
easat-8057	142	18	parties	party	NOUN
easat-8057	142	19	involved	involve	VERB
easat-8057	142	20	in	in	ADP
easat-8057	142	21	market	market	NOUN
easat-8057	142	22	transactions	transaction	NOUN
easat-8057	142	23	.	.	PUNCT
easat-8057	143	1	the	the	DET
easat-8057	143	2	information	information	NOUN
easat-8057	143	3	gap	gap	NOUN
easat-8057	143	4	gives	give	VERB
easat-8057	143	5	one	one	NUM
easat-8057	143	6	party	party	NOUN
easat-8057	143	7	which	which	PRON
easat-8057	143	8	has	have	VERB
easat-8057	143	9	better	well	ADJ
easat-8057	143	10	or	or	CCONJ
easat-8057	143	11	more	more	ADV
easat-8057	143	12	comprehensive	comprehensive	ADJ
easat-8057	143	13	information	information	NOUN
easat-8057	143	14	an	an	DET
easat-8057	143	15	advantage	advantage	NOUN
easat-8057	143	16	during	during	ADP
easat-8057	143	17	the	the	DET
easat-8057	143	18	transaction	transaction	NOUN
easat-8057	143	19	,	,	PUNCT
easat-8057	143	20	in	in	ADP
easat-8057	143	21	contrast	contrast	NOUN
easat-8057	143	22	,	,	PUNCT
easat-8057	143	23	the	the	DET
easat-8057	143	24	other	other	ADJ
easat-8057	143	25	party	party	NOUN
easat-8057	143	26	,	,	PUNCT
easat-8057	143	27	which	which	PRON
easat-8057	143	28	has	have	VERB
easat-8057	143	29	inferior	inferior	ADJ
easat-8057	143	30	or	or	CCONJ
easat-8057	143	31	incomplete	incomplete	ADJ
easat-8057	143	32	information	information	NOUN
easat-8057	143	33	,	,	PUNCT
easat-8057	143	34	is	be	AUX
easat-8057	143	35	placed	place	VERB
easat-8057	143	36	at	at	ADP
easat-8057	143	37	a	a	DET
easat-8057	143	38	disadvantage	disadvantage	NOUN
easat-8057	143	39	[	[	X
easat-8057	143	40	92	92	NUM
easat-8057	143	41	]	]	PUNCT
easat-8057	143	42	.	.	PUNCT
easat-8057	144	1	information	information	NOUN
easat-8057	144	2	asymmetry	asymmetry	NOUN
easat-8057	144	3	is	be	AUX
easat-8057	144	4	associated	associate	VERB
easat-8057	144	5	with	with	ADP
easat-8057	144	6	market	market	NOUN
easat-8057	144	7	inefficiencies	inefficiency	NOUN
easat-8057	144	8	and	and	CCONJ
easat-8057	144	9	failures	failure	NOUN
easat-8057	144	10	due	due	ADJ
easat-8057	144	11	to	to	ADP
easat-8057	144	12	adverse	adverse	ADJ
easat-8057	144	13	selection	selection	NOUN
easat-8057	144	14	and	and	CCONJ
easat-8057	144	15	moral	moral	ADJ
easat-8057	144	16	hazard	hazard	NOUN
easat-8057	144	17	.	.	PUNCT
easat-8057	145	1	considering	consider	VERB
easat-8057	145	2	the	the	DET
easat-8057	145	3	impact	impact	NOUN
easat-8057	145	4	of	of	ADP
easat-8057	145	5	information	information	NOUN
easat-8057	145	6	asymmetry	asymmetry	NOUN
easat-8057	145	7	in	in	ADP
easat-8057	145	8	capital	capital	NOUN
easat-8057	145	9	market	market	NOUN
easat-8057	145	10	,	,	PUNCT
easat-8057	145	11	it	it	PRON
easat-8057	145	12	is	be	AUX
easat-8057	145	13	perceived	perceive	VERB
easat-8057	145	14	as	as	ADP
easat-8057	145	15	a	a	DET
easat-8057	145	16	vital	vital	ADJ
easat-8057	145	17	factor	factor	NOUN
easat-8057	145	18	in	in	ADP
easat-8057	145	19	understanding	understand	VERB
easat-8057	145	20	financial	financial	ADJ
easat-8057	145	21	behaviour	behaviour	NOUN
easat-8057	145	22	.	.	PUNCT
easat-8057	146	1	the	the	DET
easat-8057	146	2	role	role	NOUN
easat-8057	146	3	of	of	ADP
easat-8057	146	4	information	information	NOUN
easat-8057	146	5	asymmetry	asymmetry	NOUN
easat-8057	146	6	in	in	ADP
easat-8057	146	7	firms	firm	NOUN
easat-8057	146	8	’	'	PUNCT
easat-8057	146	9	financing	financing	NOUN
easat-8057	146	10	decisions	decision	NOUN
easat-8057	146	11	was	be	AUX
easat-8057	146	12	first	first	ADV
easat-8057	146	13	explored	explore	VERB
easat-8057	146	14	by	by	ADP
easat-8057	146	15	myers	myer	NOUN
easat-8057	146	16	and	and	CCONJ
easat-8057	146	17	majluf	majluf	PROPN
easat-8057	146	18	[	[	X
easat-8057	146	19	93	93	NUM
easat-8057	146	20	]	]	PUNCT
easat-8057	146	21	.	.	PUNCT
easat-8057	147	1	previous	previous	ADJ
easat-8057	147	2	studies	study	NOUN
easat-8057	147	3	indicate	indicate	VERB
easat-8057	147	4	that	that	SCONJ
easat-8057	147	5	information	information	NOUN
easat-8057	147	6	asymmetry	asymmetry	NOUN
easat-8057	147	7	influences	influence	VERB
easat-8057	147	8	financing	financing	NOUN
easat-8057	147	9	choice	choice	NOUN
easat-8057	148	1	[	[	X
easat-8057	148	2	94	94	NUM
easat-8057	148	3	,	,	PUNCT
easat-8057	148	4	95	95	NUM
easat-8057	148	5	]	]	PUNCT
easat-8057	148	6	,	,	PUNCT
easat-8057	148	7	stock	stock	NOUN
easat-8057	148	8	market	market	NOUN
easat-8057	148	9	efficiency	efficiency	NOUN
easat-8057	148	10	[	[	X
easat-8057	148	11	96	96	NUM
easat-8057	148	12	]	]	PUNCT
easat-8057	148	13	and	and	CCONJ
easat-8057	148	14	investor	investor	NOUN
easat-8057	148	15	behaviour	behaviour	NOUN
easat-8057	148	16	[	[	X
easat-8057	148	17	97	97	NUM
easat-8057	148	18	,	,	PUNCT
easat-8057	148	19	98	98	NUM
easat-8057	148	20	]	]	PUNCT
easat-8057	148	21	.	.	PUNCT
easat-8057	149	1	in	in	ADP
easat-8057	149	2	terms	term	NOUN
easat-8057	149	3	of	of	ADP
easat-8057	149	4	capital	capital	NOUN
easat-8057	149	5	structure	structure	NOUN
easat-8057	149	6	,	,	PUNCT
easat-8057	149	7	modigliani	modigliani	PROPN
easat-8057	149	8	and	and	CCONJ
easat-8057	149	9	miller	miller	PROPN
easat-8057	149	10	[	[	X
easat-8057	149	11	99	99	NUM
easat-8057	149	12	]	]	X
easat-8057	149	13	propose	propose	VERB
easat-8057	149	14	that	that	SCONJ
easat-8057	149	15	firms	firm	NOUN
easat-8057	149	16	’	'	PUNCT
easat-8057	149	17	leverage	leverage	NOUN
easat-8057	149	18	does	do	AUX
easat-8057	149	19	not	not	PART
easat-8057	149	20	affect	affect	VERB
easat-8057	149	21	firm	firm	ADJ
easat-8057	149	22	performance	performance	NOUN
easat-8057	149	23	in	in	ADP
easat-8057	149	24	a	a	DET
easat-8057	149	25	perfect	perfect	ADJ
easat-8057	149	26	market	market	NOUN
easat-8057	149	27	which	which	PRON
easat-8057	149	28	does	do	AUX
easat-8057	149	29	not	not	PART
easat-8057	149	30	have	have	VERB
easat-8057	149	31	asymmetric	asymmetric	ADJ
easat-8057	149	32	information	information	NOUN
easat-8057	149	33	.	.	PUNCT
easat-8057	150	1	based	base	VERB
easat-8057	150	2	on	on	ADP
easat-8057	150	3	the	the	DET
easat-8057	150	4	perfect	perfect	ADJ
easat-8057	150	5	market	market	NOUN
easat-8057	150	6	assumptions	assumption	NOUN
easat-8057	150	7	,	,	PUNCT
easat-8057	150	8	myers	myer	NOUN
easat-8057	150	9	and	and	CCONJ
easat-8057	150	10	majluf	majluf	PROPN
easat-8057	150	11	[	[	X
easat-8057	150	12	93	93	NUM
easat-8057	150	13	]	]	PUNCT
easat-8057	150	14	suggest	suggest	VERB
easat-8057	150	15	that	that	SCONJ
easat-8057	150	16	information	information	NOUN
easat-8057	150	17	asymmetry	asymmetry	NOUN
easat-8057	150	18	affects	affect	VERB
easat-8057	150	19	the	the	DET
easat-8057	150	20	firms	firm	NOUN
easat-8057	150	21	’	’	PART
easat-8057	150	22	financing	financing	NOUN
easat-8057	150	23	choice	choice	NOUN
easat-8057	150	24	,	,	PUNCT
easat-8057	150	25	thus	thus	ADV
easat-8057	150	26	leading	lead	VERB
easat-8057	150	27	to	to	ADP
easat-8057	150	28	different	different	ADJ
easat-8057	150	29	leverage	leverage	NOUN
easat-8057	150	30	.	.	PUNCT
easat-8057	151	1	existing	exist	VERB
easat-8057	151	2	research	research	NOUN
easat-8057	151	3	on	on	ADP
easat-8057	151	4	digital	digital	ADJ
easat-8057	151	5	finance	finance	NOUN
easat-8057	151	6	indicates	indicate	VERB
easat-8057	151	7	that	that	SCONJ
easat-8057	151	8	digital	digital	ADJ
easat-8057	151	9	finance	finance	NOUN
easat-8057	151	10	could	could	AUX
easat-8057	151	11	improve	improve	VERB
easat-8057	151	12	information	information	NOUN
easat-8057	151	13	transparency	transparency	NOUN
easat-8057	151	14	.	.	PUNCT
easat-8057	152	1	by	by	ADP
easat-8057	152	2	enhancing	enhance	VERB
easat-8057	152	3	the	the	DET
easat-8057	152	4	capability	capability	NOUN
easat-8057	152	5	of	of	ADP
easat-8057	152	6	searching	search	VERB
easat-8057	152	7	and	and	CCONJ
easat-8057	152	8	collecting	collect	VERB
easat-8057	152	9	borrowers	borrower	NOUN
easat-8057	152	10	’	’	PART
easat-8057	152	11	information	information	NOUN
easat-8057	152	12	,	,	PUNCT
easat-8057	152	13	digital	digital	ADJ
easat-8057	152	14	finance	finance	NOUN
easat-8057	152	15	not	not	PART
easat-8057	152	16	only	only	ADV
easat-8057	152	17	allow	allow	VERB
easat-8057	152	18	financial	financial	ADJ
easat-8057	152	19	institutions	institution	NOUN
easat-8057	152	20	to	to	PART
easat-8057	152	21	effectively	effectively	ADV
easat-8057	152	22	controlled	control	VERB
easat-8057	152	23	credit	credit	NOUN
easat-8057	152	24	risk	risk	NOUN
easat-8057	152	25	but	but	CCONJ
easat-8057	152	26	also	also	ADV
easat-8057	152	27	improved	improve	VERB
easat-8057	152	28	the	the	DET
easat-8057	152	29	efficiency	efficiency	NOUN
easat-8057	152	30	of	of	ADP
easat-8057	152	31	capital	capital	NOUN
easat-8057	152	32	allocation	allocation	NOUN
easat-8057	152	33	.	.	PUNCT
easat-8057	153	1	digital	digital	ADJ
easat-8057	153	2	finance	finance	NOUN
easat-8057	153	3	improves	improve	VERB
easat-8057	153	4	the	the	DET
easat-8057	153	5	capability	capability	NOUN
easat-8057	153	6	in	in	ADP
easat-8057	153	7	two	two	NUM
easat-8057	153	8	ways	way	NOUN
easat-8057	153	9	.	.	PUNCT
easat-8057	154	1	first	first	ADV
easat-8057	154	2	,	,	PUNCT
easat-8057	154	3	digital	digital	ADJ
easat-8057	154	4	finance	finance	NOUN
easat-8057	154	5	could	could	AUX
easat-8057	154	6	collect	collect	VERB
easat-8057	154	7	both	both	CCONJ
easat-8057	154	8	hard	hard	ADJ
easat-8057	154	9	and	and	CCONJ
easat-8057	154	10	soft	soft	ADJ
easat-8057	154	11	information	information	NOUN
easat-8057	154	12	related	relate	VERB
easat-8057	154	13	to	to	ADP
easat-8057	154	14	borrowers	borrower	NOUN
easat-8057	154	15	.	.	PUNCT
easat-8057	155	1	it	it	PRON
easat-8057	155	2	obtains	obtain	VERB
easat-8057	155	3	detailed	detailed	ADJ
easat-8057	155	4	information	information	NOUN
easat-8057	155	5	on	on	ADP
easat-8057	155	6	the	the	DET
easat-8057	155	7	company	company	NOUN
easat-8057	155	8	’s	’s	PART
easat-8057	155	9	fundamentals	fundamental	NOUN
easat-8057	155	10	[	[	X
easat-8057	155	11	82	82	NUM
easat-8057	155	12	]	]	PUNCT
easat-8057	155	13	as	as	ADV
easat-8057	155	14	well	well	ADV
easat-8057	155	15	as	as	ADP
easat-8057	155	16	its	its	PRON
easat-8057	155	17	business	business	NOUN
easat-8057	155	18	operation	operation	NOUN
easat-8057	155	19	,	,	PUNCT
easat-8057	155	20	such	such	ADJ
easat-8057	155	21	as	as	ADP
easat-8057	155	22	real	real	ADJ
easat-8057	155	23	-	-	PUNCT
easat-8057	155	24	time	time	NOUN
easat-8057	155	25	transactions	transaction	NOUN
easat-8057	155	26	[	[	X
easat-8057	155	27	100	100	NUM
easat-8057	155	28	]	]	PUNCT
easat-8057	155	29	.	.	PUNCT
easat-8057	156	1	traditional	traditional	ADJ
easat-8057	156	2	financial	financial	ADJ
easat-8057	156	3	institutions	institution	NOUN
easat-8057	156	4	generally	generally	ADV
easat-8057	156	5	rely	rely	VERB
easat-8057	156	6	on	on	ADP
easat-8057	156	7	this	this	DET
easat-8057	156	8	kind	kind	NOUN
easat-8057	156	9	of	of	ADP
easat-8057	156	10	information	information	NOUN
easat-8057	156	11	,	,	PUNCT
easat-8057	156	12	also	also	ADV
easat-8057	156	13	known	know	VERB
easat-8057	156	14	as	as	ADP
easat-8057	156	15	hard	hard	ADJ
easat-8057	156	16	information	information	NOUN
easat-8057	156	17	,	,	PUNCT
easat-8057	156	18	to	to	PART
easat-8057	156	19	conduct	conduct	VERB
easat-8057	156	20	credit	credit	NOUN
easat-8057	156	21	assessments	assessment	NOUN
easat-8057	156	22	.	.	PUNCT
easat-8057	157	1	hence	hence	ADV
easat-8057	157	2	,	,	PUNCT
easat-8057	157	3	more	more	ADV
easat-8057	157	4	precise	precise	ADJ
easat-8057	157	5	and	and	CCONJ
easat-8057	157	6	accurate	accurate	ADJ
easat-8057	157	7	information	information	NOUN
easat-8057	157	8	accumulated	accumulate	VERB
easat-8057	157	9	by	by	ADP
easat-8057	157	10	digital	digital	ADJ
easat-8057	157	11	finance	finance	NOUN
easat-8057	157	12	is	be	AUX
easat-8057	157	13	beneficial	beneficial	ADJ
easat-8057	157	14	for	for	ADP
easat-8057	157	15	the	the	DET
easat-8057	157	16	improvement	improvement	NOUN
easat-8057	157	17	of	of	ADP
easat-8057	157	18	credit	credit	NOUN
easat-8057	157	19	rating	rating	NOUN
easat-8057	157	20	accuracy	accuracy	NOUN
easat-8057	157	21	.	.	PUNCT
easat-8057	158	1	in	in	ADP
easat-8057	158	2	addition	addition	NOUN
easat-8057	158	3	,	,	PUNCT
easat-8057	158	4	digital	digital	ADJ
easat-8057	158	5	finance	finance	NOUN
easat-8057	158	6	is	be	AUX
easat-8057	158	7	capable	capable	ADJ
easat-8057	158	8	of	of	ADP
easat-8057	158	9	acquiring	acquire	VERB
easat-8057	158	10	a	a	DET
easat-8057	158	11	vast	vast	ADJ
easat-8057	158	12	amount	amount	NOUN
easat-8057	158	13	of	of	ADP
easat-8057	158	14	alternative	alternative	ADJ
easat-8057	158	15	information	information	NOUN
easat-8057	158	16	,	,	PUNCT
easat-8057	158	17	such	such	ADJ
easat-8057	158	18	as	as	ADP
easat-8057	158	19	social	social	ADJ
easat-8057	158	20	media	medium	NOUN
easat-8057	158	21	activity	activity	NOUN
easat-8057	158	22	[	[	X
easat-8057	158	23	101	101	NUM
easat-8057	158	24	]	]	PUNCT
easat-8057	158	25	and	and	CCONJ
easat-8057	158	26	digital	digital	ADJ
easat-8057	158	27	footprint	footprint	NOUN
easat-8057	158	28	[	[	X
easat-8057	158	29	33	33	NUM
easat-8057	158	30	]	]	PUNCT
easat-8057	158	31	.	.	PUNCT
easat-8057	159	1	using	use	VERB
easat-8057	159	2	alternative	alternative	ADJ
easat-8057	159	3	information	information	NOUN
easat-8057	159	4	in	in	ADP
easat-8057	159	5	credit	credit	NOUN
easat-8057	159	6	rating	rating	NOUN
easat-8057	159	7	could	could	AUX
easat-8057	159	8	assist	assist	VERB
easat-8057	159	9	borrowers	borrower	NOUN
easat-8057	159	10	,	,	PUNCT
easat-8057	159	11	particularly	particularly	ADV
easat-8057	159	12	those	those	PRON
easat-8057	159	13	who	who	PRON
easat-8057	159	14	are	be	AUX
easat-8057	159	15	rated	rate	VERB
easat-8057	159	16	poorly	poorly	ADV
easat-8057	159	17	according	accord	VERB
easat-8057	159	18	to	to	ADP
easat-8057	159	19	traditional	traditional	ADJ
easat-8057	159	20	information	information	NOUN
easat-8057	159	21	,	,	PUNCT
easat-8057	159	22	in	in	ADP
easat-8057	159	23	obtaining	obtain	VERB
easat-8057	159	24	credit	credit	NOUN
easat-8057	159	25	[	[	X
easat-8057	159	26	102	102	NUM
easat-8057	159	27	]	]	PUNCT
easat-8057	159	28	.	.	PUNCT
easat-8057	160	1	hence	hence	ADV
easat-8057	160	2	,	,	PUNCT
easat-8057	160	3	in	in	ADP
easat-8057	160	4	conjunction	conjunction	NOUN
easat-8057	160	5	with	with	ADP
easat-8057	160	6	hard	hard	ADJ
easat-8057	160	7	information	information	NOUN
easat-8057	160	8	,	,	PUNCT
easat-8057	160	9	digital	digital	ADJ
easat-8057	160	10	finance	finance	NOUN
easat-8057	160	11	offers	offer	VERB
easat-8057	160	12	a	a	DET
easat-8057	160	13	more	more	ADV
easat-8057	160	14	comprehensive	comprehensive	ADJ
easat-8057	160	15	borrowers	borrower	NOUN
easat-8057	160	16	’	’	PART
easat-8057	160	17	profiles	profile	NOUN
easat-8057	160	18	in	in	ADP
easat-8057	160	19	accordance	accordance	NOUN
easat-8057	160	20	with	with	ADP
easat-8057	160	21	these	these	DET
easat-8057	160	22	multidimensional	multidimensional	ADJ
easat-8057	160	23	data	datum	NOUN
easat-8057	160	24	,	,	PUNCT
easat-8057	160	25	which	which	PRON
easat-8057	160	26	could	could	AUX
easat-8057	160	27	reduce	reduce	VERB
easat-8057	160	28	1165	1165	NUM
easat-8057	160	29	edelweiss	edelweiss	PROPN
easat-8057	160	30	applied	apply	VERB
easat-8057	160	31	science	science	NOUN
easat-8057	160	32	and	and	CCONJ
easat-8057	160	33	technology	technology	NOUN
easat-8057	160	34	issn	issn	PROPN
easat-8057	160	35	:	:	PUNCT
easat-8057	160	36	2576	2576	NUM
easat-8057	160	37	-	-	SYM
easat-8057	160	38	8484	8484	NUM
easat-8057	160	39	vol	vol	NOUN
easat-8057	160	40	.	.	PROPN
easat-8057	161	1	9	9	NUM
easat-8057	161	2	,	,	PUNCT
easat-8057	161	3	no	no	INTJ
easat-8057	161	4	.	.	NOUN
easat-8057	161	5	6	6	NUM
easat-8057	161	6	:	:	SYM
easat-8057	161	7	1160	1160	NUM
easat-8057	161	8	-	-	SYM
easat-8057	161	9	1171	1171	NUM
easat-8057	161	10	,	,	PUNCT
easat-8057	161	11	2025	2025	NUM
easat-8057	161	12	doi	doi	NOUN
easat-8057	161	13	:	:	PUNCT
easat-8057	161	14	10.55214/25768484.v9i6.8057	10.55214/25768484.v9i6.8057	NUM
easat-8057	161	15	©	©	PROPN
easat-8057	161	16	2025	2025	NUM
easat-8057	161	17	by	by	ADP
easat-8057	161	18	the	the	DET
easat-8057	161	19	authors	author	NOUN
easat-8057	161	20	;	;	PUNCT
easat-8057	161	21	licensee	licensee	PROPN
easat-8057	161	22	learning	learn	VERB
easat-8057	161	23	gate	gate	PROPN
easat-8057	161	24	lenders	lender	NOUN
easat-8057	161	25	’	’	PART
easat-8057	161	26	overall	overall	ADJ
easat-8057	161	27	risk	risk	NOUN
easat-8057	161	28	[	[	X
easat-8057	161	29	103	103	NUM
easat-8057	161	30	]	]	PUNCT
easat-8057	161	31	.	.	PUNCT
easat-8057	162	1	this	this	DET
easat-8057	162	2	information	information	NOUN
easat-8057	162	3	advantage	advantage	NOUN
easat-8057	162	4	could	could	AUX
easat-8057	162	5	contribute	contribute	VERB
easat-8057	162	6	to	to	ADP
easat-8057	162	7	the	the	DET
easat-8057	162	8	identification	identification	NOUN
easat-8057	162	9	of	of	ADP
easat-8057	162	10	low	low	ADJ
easat-8057	162	11	-	-	PUNCT
easat-8057	162	12	risk	risk	NOUN
easat-8057	162	13	customers	customer	NOUN
easat-8057	162	14	and	and	CCONJ
easat-8057	162	15	provide	provide	VERB
easat-8057	162	16	them	they	PRON
easat-8057	162	17	with	with	ADP
easat-8057	162	18	better	well	ADJ
easat-8057	162	19	loan	loan	NOUN
easat-8057	162	20	terms	term	NOUN
easat-8057	162	21	[	[	X
easat-8057	162	22	104	104	NUM
easat-8057	162	23	]	]	PUNCT
easat-8057	162	24	.	.	PUNCT
easat-8057	163	1	therefore	therefore	ADV
easat-8057	163	2	,	,	PUNCT
easat-8057	163	3	firms	firm	NOUN
easat-8057	163	4	without	without	ADP
easat-8057	163	5	the	the	DET
easat-8057	163	6	support	support	NOUN
easat-8057	163	7	from	from	ADP
easat-8057	163	8	traditional	traditional	ADJ
easat-8057	163	9	banking	banking	NOUN
easat-8057	163	10	credit	credit	NOUN
easat-8057	163	11	due	due	ADP
easat-8057	163	12	to	to	ADP
easat-8057	163	13	information	information	NOUN
easat-8057	163	14	asymmetry	asymmetry	NOUN
easat-8057	163	15	could	could	AUX
easat-8057	163	16	obtain	obtain	VERB
easat-8057	163	17	more	more	ADJ
easat-8057	163	18	financing	financing	NOUN
easat-8057	163	19	support	support	NOUN
easat-8057	163	20	from	from	ADP
easat-8057	163	21	digital	digital	ADJ
easat-8057	163	22	finance	finance	NOUN
easat-8057	163	23	.	.	PUNCT
easat-8057	164	1	in	in	ADP
easat-8057	164	2	contrast	contrast	NOUN
easat-8057	164	3	,	,	PUNCT
easat-8057	164	4	lenders	lender	NOUN
easat-8057	164	5	could	could	AUX
easat-8057	164	6	identify	identify	VERB
easat-8057	164	7	firm	firm	ADJ
easat-8057	164	8	with	with	ADP
easat-8057	164	9	growing	grow	VERB
easat-8057	164	10	bankruptcy	bankruptcy	NOUN
easat-8057	164	11	risk	risk	NOUN
easat-8057	164	12	promptly	promptly	ADV
easat-8057	164	13	,	,	PUNCT
easat-8057	164	14	thereby	thereby	ADV
easat-8057	164	15	decreasing	decrease	VERB
easat-8057	164	16	the	the	DET
easat-8057	164	17	credit	credit	NOUN
easat-8057	164	18	supply	supply	NOUN
easat-8057	164	19	to	to	ADP
easat-8057	164	20	them	they	PRON
easat-8057	164	21	.	.	PUNCT
easat-8057	165	1	second	second	ADJ
easat-8057	165	2	,	,	PUNCT
easat-8057	165	3	compared	compare	VERB
easat-8057	165	4	to	to	ADP
easat-8057	165	5	traditional	traditional	ADJ
easat-8057	165	6	credit	credit	NOUN
easat-8057	165	7	rating	rating	NOUN
easat-8057	165	8	methods	method	NOUN
easat-8057	165	9	,	,	PUNCT
easat-8057	165	10	digital	digital	ADJ
easat-8057	165	11	finance	finance	NOUN
easat-8057	165	12	has	have	VERB
easat-8057	165	13	the	the	DET
easat-8057	165	14	data	datum	NOUN
easat-8057	165	15	advantage	advantage	NOUN
easat-8057	165	16	and	and	CCONJ
easat-8057	165	17	model	model	NOUN
easat-8057	165	18	advantage	advantage	NOUN
easat-8057	165	19	.	.	PUNCT
easat-8057	166	1	with	with	ADP
easat-8057	166	2	regard	regard	NOUN
easat-8057	166	3	to	to	ADP
easat-8057	166	4	data	datum	NOUN
easat-8057	166	5	advantage	advantage	NOUN
easat-8057	166	6	,	,	PUNCT
easat-8057	166	7	digital	digital	ADJ
easat-8057	166	8	finance	finance	NOUN
easat-8057	166	9	can	can	AUX
easat-8057	166	10	analyse	analyse	VERB
easat-8057	166	11	borrowers	borrower	NOUN
easat-8057	166	12	’	'	PUNCT
easat-8057	166	13	behaviours	behaviour	NOUN
easat-8057	166	14	and	and	CCONJ
easat-8057	166	15	characteristics	characteristic	NOUN
easat-8057	166	16	that	that	PRON
easat-8057	166	17	are	be	AUX
easat-8057	166	18	difficult	difficult	ADJ
easat-8057	166	19	to	to	PART
easat-8057	166	20	evaluate	evaluate	VERB
easat-8057	166	21	with	with	ADP
easat-8057	166	22	traditional	traditional	ADJ
easat-8057	166	23	credit	credit	NOUN
easat-8057	166	24	scores	score	NOUN
easat-8057	166	25	system	system	NOUN
easat-8057	166	26	,	,	PUNCT
easat-8057	166	27	providing	provide	VERB
easat-8057	166	28	better	well	ADJ
easat-8057	166	29	risk	risk	NOUN
easat-8057	166	30	control	control	NOUN
easat-8057	166	31	for	for	ADP
easat-8057	166	32	lenders	lender	NOUN
easat-8057	166	33	.	.	PUNCT
easat-8057	167	1	in	in	ADP
easat-8057	167	2	addition	addition	NOUN
easat-8057	167	3	,	,	PUNCT
easat-8057	167	4	it	it	PRON
easat-8057	167	5	offers	offer	VERB
easat-8057	167	6	up	up	ADP
easat-8057	167	7	-	-	PUNCT
easat-8057	167	8	to	to	ADP
easat-8057	167	9	-	-	PUNCT
easat-8057	167	10	date	date	NOUN
easat-8057	167	11	transaction	transaction	NOUN
easat-8057	167	12	information	information	NOUN
easat-8057	167	13	for	for	ADP
easat-8057	167	14	borrowers	borrower	NOUN
easat-8057	167	15	,	,	PUNCT
easat-8057	167	16	which	which	PRON
easat-8057	167	17	accurately	accurately	ADV
easat-8057	167	18	reflects	reflect	VERB
easat-8057	167	19	current	current	ADJ
easat-8057	167	20	business	business	NOUN
easat-8057	167	21	conditions	condition	NOUN
easat-8057	167	22	.	.	PUNCT
easat-8057	168	1	with	with	ADP
easat-8057	168	2	respect	respect	NOUN
easat-8057	168	3	to	to	ADP
easat-8057	168	4	model	model	NOUN
easat-8057	168	5	advantage	advantage	NOUN
easat-8057	168	6	,	,	PUNCT
easat-8057	168	7	the	the	DET
easat-8057	168	8	bigtech	bigtech	NOUN
easat-8057	168	9	credit	credit	NOUN
easat-8057	168	10	risk	risk	NOUN
easat-8057	168	11	assessment	assessment	NOUN
easat-8057	168	12	model	model	NOUN
easat-8057	168	13	provides	provide	VERB
easat-8057	168	14	more	more	ADV
easat-8057	168	15	precise	precise	ADJ
easat-8057	168	16	predictions	prediction	NOUN
easat-8057	168	17	for	for	ADP
easat-8057	168	18	credit	credit	NOUN
easat-8057	168	19	card	card	NOUN
easat-8057	168	20	delinquency	delinquency	NOUN
easat-8057	168	21	,	,	PUNCT
easat-8057	168	22	corporate	corporate	ADJ
easat-8057	168	23	loan	loan	NOUN
easat-8057	168	24	default	default	NOUN
easat-8057	168	25	,	,	PUNCT
easat-8057	168	26	and	and	CCONJ
easat-8057	168	27	mortgage	mortgage	NOUN
easat-8057	168	28	default	default	NOUN
easat-8057	168	29	problems	problem	NOUN
easat-8057	168	30	than	than	ADP
easat-8057	168	31	traditional	traditional	ADJ
easat-8057	168	32	models	model	NOUN
easat-8057	168	33	[	[	X
easat-8057	168	34	20	20	NUM
easat-8057	168	35	,	,	PUNCT
easat-8057	168	36	105	105	NUM
easat-8057	168	37	]	]	PUNCT
easat-8057	168	38	.	.	PUNCT
easat-8057	169	1	these	these	DET
easat-8057	169	2	advantages	advantage	NOUN
easat-8057	169	3	would	would	AUX
easat-8057	169	4	reduce	reduce	VERB
easat-8057	169	5	the	the	DET
easat-8057	169	6	dependency	dependency	NOUN
easat-8057	169	7	on	on	ADP
easat-8057	169	8	collateral	collateral	NOUN
easat-8057	169	9	for	for	ADP
easat-8057	169	10	credit	credit	NOUN
easat-8057	169	11	,	,	PUNCT
easat-8057	169	12	allowing	allow	VERB
easat-8057	169	13	more	more	ADJ
easat-8057	169	14	businesses	business	NOUN
easat-8057	169	15	that	that	PRON
easat-8057	169	16	lack	lack	VERB
easat-8057	169	17	collateral	collateral	NOUN
easat-8057	169	18	to	to	PART
easat-8057	169	19	secure	secure	VERB
easat-8057	169	20	loans	loan	NOUN
easat-8057	169	21	.	.	PUNCT
easat-8057	170	1	as	as	ADP
easat-8057	170	2	a	a	DET
easat-8057	170	3	result	result	NOUN
easat-8057	170	4	,	,	PUNCT
easat-8057	170	5	digital	digital	ADJ
easat-8057	170	6	finance	finance	NOUN
easat-8057	170	7	could	could	AUX
easat-8057	170	8	ease	ease	VERB
easat-8057	170	9	credit	credit	NOUN
easat-8057	170	10	discrimination	discrimination	NOUN
easat-8057	170	11	and	and	CCONJ
easat-8057	170	12	allocate	allocate	ADJ
easat-8057	170	13	credit	credit	NOUN
easat-8057	170	14	efficiently	efficiently	ADV
easat-8057	170	15	.	.	PUNCT
easat-8057	171	1	4.3	4.3	NUM
easat-8057	171	2	.	.	PUNCT
easat-8057	171	3	digital	digital	PROPN
easat-8057	171	4	finance	finance	NOUN
easat-8057	171	5	,	,	PUNCT
easat-8057	171	6	financial	financial	ADJ
easat-8057	171	7	constraints	constraint	NOUN
easat-8057	171	8	and	and	CCONJ
easat-8057	171	9	capital	capital	NOUN
easat-8057	171	10	structure	structure	NOUN
easat-8057	171	11	financial	financial	ADJ
easat-8057	171	12	constraints	constraint	NOUN
easat-8057	171	13	refer	refer	VERB
easat-8057	171	14	to	to	ADP
easat-8057	171	15	a	a	DET
easat-8057	171	16	firm	firm	NOUN
easat-8057	171	17	’s	’s	PART
easat-8057	171	18	limitations	limitation	NOUN
easat-8057	171	19	in	in	ADP
easat-8057	171	20	financing	finance	VERB
easat-8057	171	21	its	its	PRON
easat-8057	171	22	operations	operation	NOUN
easat-8057	171	23	and	and	CCONJ
easat-8057	171	24	investments	investment	NOUN
easat-8057	171	25	.	.	PUNCT
easat-8057	172	1	farremensa	farremensa	VERB
easat-8057	172	2	and	and	CCONJ
easat-8057	172	3	ljungqvist	ljungqvist	NOUN
easat-8057	173	1	[	[	X
easat-8057	173	2	106	106	NUM
easat-8057	173	3	]	]	PUNCT
easat-8057	173	4	summarise	summarise	VERB
easat-8057	173	5	two	two	NUM
easat-8057	173	6	formal	formal	ADJ
easat-8057	173	7	definitions	definition	NOUN
easat-8057	173	8	of	of	ADP
easat-8057	173	9	financial	financial	ADJ
easat-8057	173	10	constraints	constraint	NOUN
easat-8057	173	11	that	that	PRON
easat-8057	173	12	are	be	AUX
easat-8057	173	13	prevalent	prevalent	ADJ
easat-8057	173	14	in	in	ADP
easat-8057	173	15	the	the	DET
easat-8057	173	16	studies	study	NOUN
easat-8057	173	17	.	.	PUNCT
easat-8057	174	1	based	base	VERB
easat-8057	174	2	on	on	ADP
easat-8057	174	3	the	the	DET
easat-8057	174	4	study	study	NOUN
easat-8057	174	5	of	of	ADP
easat-8057	174	6	stiglitz	stiglitz	PROPN
easat-8057	174	7	and	and	CCONJ
easat-8057	174	8	weiss	weiss	PROPN
easat-8057	174	9	[	[	X
easat-8057	174	10	107	107	NUM
easat-8057	174	11	]	]	PUNCT
easat-8057	174	12	and	and	CCONJ
easat-8057	174	13	whited	white	VERB
easat-8057	174	14	and	and	CCONJ
easat-8057	174	15	wu	wu	X
easat-8057	175	1	[	[	X
easat-8057	175	2	108	108	NUM
easat-8057	175	3	]	]	PUNCT
easat-8057	175	4	,	,	PUNCT
easat-8057	175	5	the	the	DET
easat-8057	175	6	first	first	ADJ
easat-8057	175	7	definition	definition	NOUN
easat-8057	175	8	explains	explain	VERB
easat-8057	175	9	constraints	constraint	NOUN
easat-8057	175	10	from	from	ADP
easat-8057	175	11	the	the	DET
easat-8057	175	12	perspective	perspective	NOUN
easat-8057	175	13	of	of	ADP
easat-8057	175	14	the	the	DET
easat-8057	175	15	elasticity	elasticity	NOUN
easat-8057	175	16	of	of	ADP
easat-8057	175	17	the	the	DET
easat-8057	175	18	capital	capital	NOUN
easat-8057	175	19	supply	supply	NOUN
easat-8057	175	20	curve	curve	NOUN
easat-8057	175	21	.	.	PUNCT
easat-8057	176	1	the	the	DET
easat-8057	176	2	additional	additional	ADJ
easat-8057	176	3	unit	unit	NOUN
easat-8057	176	4	of	of	ADP
easat-8057	176	5	capital	capital	NOUN
easat-8057	176	6	cost	cost	NOUN
easat-8057	176	7	is	be	AUX
easat-8057	176	8	higher	high	ADJ
easat-8057	176	9	when	when	SCONJ
easat-8057	176	10	capital	capital	NOUN
easat-8057	176	11	supply	supply	NOUN
easat-8057	176	12	curve	curve	NOUN
easat-8057	176	13	become	become	VERB
easat-8057	176	14	more	more	ADV
easat-8057	176	15	inelastic	inelastic	ADJ
easat-8057	176	16	.	.	PUNCT
easat-8057	177	1	the	the	DET
easat-8057	177	2	second	second	ADJ
easat-8057	177	3	definition	definition	NOUN
easat-8057	177	4	is	be	AUX
easat-8057	177	5	broader	broad	ADJ
easat-8057	177	6	and	and	CCONJ
easat-8057	177	7	focuses	focus	VERB
easat-8057	177	8	on	on	ADP
easat-8057	177	9	the	the	DET
easat-8057	177	10	level	level	NOUN
easat-8057	177	11	of	of	ADP
easat-8057	177	12	capital	capital	NOUN
easat-8057	177	13	supply	supply	NOUN
easat-8057	177	14	curve	curve	NOUN
easat-8057	177	15	,	,	PUNCT
easat-8057	177	16	particularly	particularly	ADV
easat-8057	177	17	the	the	DET
easat-8057	177	18	gap	gap	NOUN
easat-8057	177	19	between	between	ADP
easat-8057	177	20	capital	capital	NOUN
easat-8057	177	21	supply	supply	NOUN
easat-8057	177	22	curve	curve	NOUN
easat-8057	177	23	and	and	CCONJ
easat-8057	177	24	the	the	DET
easat-8057	177	25	firm	firm	NOUN
easat-8057	177	26	’s	’s	PART
easat-8057	177	27	opportunity	opportunity	NOUN
easat-8057	177	28	cost	cost	NOUN
easat-8057	177	29	of	of	ADP
easat-8057	177	30	internal	internal	ADJ
easat-8057	177	31	capital	capital	NOUN
easat-8057	177	32	.	.	PUNCT
easat-8057	178	1	according	accord	VERB
easat-8057	178	2	to	to	ADP
easat-8057	178	3	the	the	DET
easat-8057	178	4	above	above	ADJ
easat-8057	178	5	definitions	definition	NOUN
easat-8057	178	6	,	,	PUNCT
easat-8057	178	7	the	the	DET
easat-8057	178	8	former	former	ADJ
easat-8057	178	9	and	and	CCONJ
easat-8057	178	10	latter	latter	ADJ
easat-8057	178	11	focus	focus	NOUN
easat-8057	178	12	on	on	ADP
easat-8057	178	13	the	the	DET
easat-8057	178	14	elasticity	elasticity	NOUN
easat-8057	178	15	and	and	CCONJ
easat-8057	178	16	level	level	NOUN
easat-8057	178	17	of	of	ADP
easat-8057	178	18	capital	capital	NOUN
easat-8057	178	19	supply	supply	NOUN
easat-8057	178	20	curve	curve	NOUN
easat-8057	178	21	,	,	PUNCT
easat-8057	178	22	respectively	respectively	ADV
easat-8057	178	23	,	,	PUNCT
easat-8057	178	24	which	which	PRON
easat-8057	178	25	means	mean	VERB
easat-8057	178	26	financial	financial	ADJ
easat-8057	178	27	constraints	constraint	NOUN
easat-8057	178	28	stem	stem	VERB
easat-8057	178	29	from	from	ADP
easat-8057	178	30	the	the	DET
easat-8057	178	31	friction	friction	NOUN
easat-8057	178	32	in	in	ADP
easat-8057	178	33	the	the	DET
easat-8057	178	34	capital	capital	NOUN
easat-8057	178	35	supply	supply	NOUN
easat-8057	178	36	.	.	PUNCT
easat-8057	179	1	financial	financial	ADJ
easat-8057	179	2	constraints	constraint	NOUN
easat-8057	179	3	have	have	VERB
easat-8057	179	4	significant	significant	ADJ
easat-8057	179	5	implications	implication	NOUN
easat-8057	179	6	for	for	ADP
easat-8057	179	7	a	a	DET
easat-8057	179	8	firm	firm	NOUN
easat-8057	179	9	's	's	PART
easat-8057	179	10	decision	decision	NOUN
easat-8057	179	11	,	,	PUNCT
easat-8057	179	12	such	such	ADJ
easat-8057	179	13	as	as	ADP
easat-8057	179	14	its	its	PRON
easat-8057	179	15	investment	investment	NOUN
easat-8057	179	16	decisions	decision	NOUN
easat-8057	179	17	[	[	X
easat-8057	179	18	109	109	NUM
easat-8057	179	19	,	,	PUNCT
easat-8057	179	20	110	110	NUM
easat-8057	179	21	]	]	PUNCT
easat-8057	179	22	,	,	PUNCT
easat-8057	179	23	merger	merger	NOUN
easat-8057	179	24	and	and	CCONJ
easat-8057	179	25	acquisition	acquisition	NOUN
easat-8057	179	26	[	[	X
easat-8057	179	27	111	111	NUM
easat-8057	179	28	,	,	PUNCT
easat-8057	179	29	112	112	NUM
easat-8057	179	30	]	]	PUNCT
easat-8057	179	31	and	and	CCONJ
easat-8057	179	32	capital	capital	NOUN
easat-8057	179	33	allocation	allocation	NOUN
easat-8057	179	34	[	[	X
easat-8057	179	35	113	113	NUM
easat-8057	179	36	,	,	PUNCT
easat-8057	179	37	114	114	NUM
easat-8057	179	38	]	]	PUNCT
easat-8057	179	39	.	.	PUNCT
easat-8057	180	1	according	accord	VERB
easat-8057	180	2	to	to	ADP
easat-8057	180	3	stiglitz	stiglitz	PROPN
easat-8057	180	4	and	and	CCONJ
easat-8057	180	5	weiss	weiss	PROPN
easat-8057	180	6	[	[	X
easat-8057	180	7	107	107	NUM
easat-8057	180	8	]	]	PUNCT
easat-8057	180	9	,	,	PUNCT
easat-8057	180	10	firms	firm	NOUN
easat-8057	180	11	could	could	AUX
easat-8057	180	12	seek	seek	VERB
easat-8057	180	13	funds	fund	NOUN
easat-8057	180	14	from	from	ADP
easat-8057	180	15	either	either	CCONJ
easat-8057	180	16	an	an	DET
easat-8057	180	17	internal	internal	ADJ
easat-8057	180	18	or	or	CCONJ
easat-8057	180	19	external	external	ADJ
easat-8057	180	20	source	source	NOUN
easat-8057	180	21	.	.	PUNCT
easat-8057	181	1	however	however	ADV
easat-8057	181	2	,	,	PUNCT
easat-8057	181	3	due	due	ADP
easat-8057	181	4	to	to	ADP
easat-8057	181	5	the	the	DET
easat-8057	181	6	gap	gap	NOUN
easat-8057	181	7	in	in	ADP
easat-8057	181	8	information	information	NOUN
easat-8057	181	9	and	and	CCONJ
easat-8057	181	10	agency	agency	NOUN
easat-8057	181	11	problem	problem	NOUN
easat-8057	181	12	,	,	PUNCT
easat-8057	181	13	the	the	DET
easat-8057	181	14	cost	cost	NOUN
easat-8057	181	15	of	of	ADP
easat-8057	181	16	external	external	ADJ
easat-8057	181	17	financing	financing	NOUN
easat-8057	181	18	is	be	AUX
easat-8057	181	19	higher	high	ADJ
easat-8057	181	20	than	than	ADP
easat-8057	181	21	internal	internal	ADJ
easat-8057	181	22	financing	financing	NOUN
easat-8057	181	23	.	.	PUNCT
easat-8057	182	1	this	this	DET
easat-8057	182	2	discrepancy	discrepancy	NOUN
easat-8057	182	3	gives	give	VERB
easat-8057	182	4	rise	rise	NOUN
easat-8057	182	5	to	to	ADP
easat-8057	182	6	a	a	DET
easat-8057	182	7	phenomenon	phenomenon	NOUN
easat-8057	182	8	known	know	VERB
easat-8057	182	9	as	as	ADP
easat-8057	182	10	financing	financing	NOUN
easat-8057	182	11	constraints	constraint	NOUN
easat-8057	182	12	.	.	PUNCT
easat-8057	183	1	as	as	ADP
easat-8057	183	2	gomber	gomber	PROPN
easat-8057	183	3	,	,	PUNCT
easat-8057	183	4	et	et	PROPN
easat-8057	183	5	al	al	PROPN
easat-8057	183	6	.	.	PUNCT
easat-8057	184	1	[	[	X
easat-8057	184	2	13	13	NUM
easat-8057	184	3	]	]	PUNCT
easat-8057	184	4	demonstrate	demonstrate	NOUN
easat-8057	184	5	,	,	PUNCT
easat-8057	184	6	digital	digital	ADJ
easat-8057	184	7	finance	finance	NOUN
easat-8057	184	8	provides	provide	VERB
easat-8057	184	9	broader	broad	ADJ
easat-8057	184	10	access	access	NOUN
easat-8057	184	11	to	to	ADP
easat-8057	184	12	financial	financial	ADJ
easat-8057	184	13	services	service	NOUN
easat-8057	184	14	at	at	ADP
easat-8057	184	15	a	a	DET
easat-8057	184	16	lower	low	ADJ
easat-8057	184	17	costs	cost	NOUN
easat-8057	184	18	,	,	PUNCT
easat-8057	184	19	which	which	PRON
easat-8057	184	20	is	be	AUX
easat-8057	184	21	conducive	conducive	ADJ
easat-8057	184	22	to	to	ADP
easat-8057	184	23	easing	ease	VERB
easat-8057	184	24	financial	financial	ADJ
easat-8057	184	25	constraints	constraint	NOUN
easat-8057	184	26	.	.	PUNCT
easat-8057	185	1	by	by	ADP
easat-8057	185	2	using	use	VERB
easat-8057	185	3	digital	digital	ADJ
easat-8057	185	4	technology	technology	NOUN
easat-8057	185	5	,	,	PUNCT
easat-8057	185	6	digital	digital	ADJ
easat-8057	185	7	finance	finance	NOUN
easat-8057	185	8	provides	provide	VERB
easat-8057	185	9	alternative	alternative	ADJ
easat-8057	185	10	channels	channel	NOUN
easat-8057	185	11	for	for	ADP
easat-8057	185	12	obtaining	obtain	VERB
easat-8057	185	13	capital	capital	NOUN
easat-8057	185	14	beyond	beyond	ADP
easat-8057	185	15	traditional	traditional	ADJ
easat-8057	185	16	financial	financial	ADJ
easat-8057	185	17	institutions	institution	NOUN
easat-8057	185	18	and	and	CCONJ
easat-8057	185	19	rectify	rectify	VERB
easat-8057	185	20	financial	financial	ADJ
easat-8057	185	21	mismatch	mismatch	NOUN
easat-8057	185	22	for	for	ADP
easat-8057	185	23	enterprises	enterprise	NOUN
easat-8057	185	24	[	[	X
easat-8057	185	25	84	84	NUM
easat-8057	185	26	,	,	PUNCT
easat-8057	185	27	88	88	NUM
easat-8057	185	28	,	,	PUNCT
easat-8057	185	29	115	115	NUM
easat-8057	185	30	]	]	PUNCT
easat-8057	185	31	.	.	PUNCT
easat-8057	186	1	more	more	ADV
easat-8057	186	2	diverse	diverse	ADJ
easat-8057	186	3	funding	funding	NOUN
easat-8057	186	4	sources	source	NOUN
easat-8057	186	5	helps	help	VERB
easat-8057	186	6	decrease	decrease	VERB
easat-8057	186	7	firms	firm	NOUN
easat-8057	186	8	'	'	PART
easat-8057	186	9	dependence	dependence	NOUN
easat-8057	186	10	on	on	ADP
easat-8057	186	11	traditional	traditional	ADJ
easat-8057	186	12	financial	financial	ADJ
easat-8057	186	13	institutions	institution	NOUN
easat-8057	186	14	,	,	PUNCT
easat-8057	186	15	mitigating	mitigate	VERB
easat-8057	186	16	the	the	DET
easat-8057	186	17	impact	impact	NOUN
easat-8057	186	18	of	of	ADP
easat-8057	186	19	financing	financing	NOUN
easat-8057	186	20	constraints	constraint	NOUN
easat-8057	186	21	.	.	PUNCT
easat-8057	187	1	for	for	ADP
easat-8057	187	2	example	example	NOUN
easat-8057	187	3	,	,	PUNCT
easat-8057	187	4	due	due	ADP
easat-8057	187	5	to	to	ADP
easat-8057	187	6	the	the	DET
easat-8057	187	7	lack	lack	NOUN
easat-8057	187	8	of	of	ADP
easat-8057	187	9	credit	credit	NOUN
easat-8057	187	10	history	history	NOUN
easat-8057	187	11	or	or	CCONJ
easat-8057	187	12	collateral	collateral	NOUN
easat-8057	187	13	,	,	PUNCT
easat-8057	187	14	individuals	individual	NOUN
easat-8057	187	15	and	and	CCONJ
easat-8057	187	16	small	small	ADJ
easat-8057	187	17	businesses	business	NOUN
easat-8057	187	18	may	may	AUX
easat-8057	187	19	be	be	AUX
easat-8057	187	20	excluded	exclude	VERB
easat-8057	187	21	by	by	ADP
easat-8057	187	22	traditional	traditional	ADJ
easat-8057	187	23	lenders	lender	NOUN
easat-8057	187	24	.	.	PUNCT
easat-8057	188	1	however	however	ADV
easat-8057	188	2	,	,	PUNCT
easat-8057	188	3	they	they	PRON
easat-8057	188	4	could	could	AUX
easat-8057	188	5	resort	resort	VERB
easat-8057	188	6	to	to	ADP
easat-8057	188	7	peer	peer	NOUN
easat-8057	188	8	-	-	PUNCT
easat-8057	188	9	to	to	ADP
easat-8057	188	10	-	-	PUNCT
easat-8057	188	11	peer	peer	NOUN
easat-8057	188	12	(	(	PUNCT
easat-8057	188	13	p2p	p2p	NOUN
easat-8057	188	14	)	)	PUNCT
easat-8057	188	15	lending	lending	NOUN
easat-8057	188	16	platforms	platform	NOUN
easat-8057	188	17	to	to	PART
easat-8057	188	18	obtain	obtain	VERB
easat-8057	188	19	funds	fund	NOUN
easat-8057	188	20	.	.	PUNCT
easat-8057	189	1	the	the	DET
easat-8057	189	2	easing	easing	NOUN
easat-8057	189	3	of	of	ADP
easat-8057	189	4	financial	financial	ADJ
easat-8057	189	5	constraints	constraint	NOUN
easat-8057	189	6	allows	allow	VERB
easat-8057	189	7	enterprises	enterprise	NOUN
easat-8057	189	8	to	to	PART
easat-8057	189	9	satisfy	satisfy	VERB
easat-8057	189	10	firms	firm	NOUN
easat-8057	189	11	'	'	PART
easat-8057	189	12	capital	capital	NOUN
easat-8057	189	13	needs	need	NOUN
easat-8057	189	14	for	for	ADP
easat-8057	189	15	business	business	NOUN
easat-8057	189	16	activities	activity	NOUN
easat-8057	189	17	timely	timely	ADV
easat-8057	189	18	,	,	PUNCT
easat-8057	189	19	which	which	PRON
easat-8057	189	20	may	may	AUX
easat-8057	189	21	increase	increase	VERB
easat-8057	189	22	the	the	DET
easat-8057	189	23	profit	profit	NOUN
easat-8057	189	24	of	of	ADP
easat-8057	189	25	enterprises	enterprise	NOUN
easat-8057	189	26	.	.	PUNCT
easat-8057	190	1	a	a	DET
easat-8057	190	2	better	well	ADJ
easat-8057	190	3	financial	financial	ADJ
easat-8057	190	4	performance	performance	NOUN
easat-8057	190	5	means	mean	VERB
easat-8057	190	6	firms	firm	NOUN
easat-8057	190	7	would	would	AUX
easat-8057	190	8	have	have	VERB
easat-8057	190	9	more	more	ADJ
easat-8057	190	10	cash	cash	NOUN
easat-8057	190	11	and	and	CCONJ
easat-8057	190	12	retained	retain	VERB
easat-8057	190	13	earnings	earning	NOUN
easat-8057	190	14	to	to	PART
easat-8057	190	15	repay	repay	VERB
easat-8057	190	16	debt	debt	NOUN
easat-8057	190	17	,	,	PUNCT
easat-8057	190	18	hence	hence	ADV
easat-8057	190	19	,	,	PUNCT
easat-8057	190	20	firms	firm	NOUN
easat-8057	190	21	'	'	PART
easat-8057	190	22	leverage	leverage	NOUN
easat-8057	190	23	would	would	AUX
easat-8057	190	24	decline	decline	VERB
easat-8057	190	25	[	[	X
easat-8057	190	26	116	116	NUM
easat-8057	190	27	,	,	PUNCT
easat-8057	190	28	117	117	NUM
easat-8057	190	29	]	]	PUNCT
easat-8057	190	30	.	.	PUNCT
easat-8057	191	1	5	5	X
easat-8057	191	2	.	.	X
easat-8057	191	3	conclusion	conclusion	NOUN
easat-8057	191	4	digital	digital	ADJ
easat-8057	191	5	finance	finance	NOUN
easat-8057	191	6	has	have	AUX
easat-8057	191	7	influenced	influence	VERB
easat-8057	191	8	financial	financial	ADJ
easat-8057	191	9	institutions	institution	NOUN
easat-8057	191	10	and	and	CCONJ
easat-8057	191	11	capital	capital	NOUN
easat-8057	191	12	market	market	NOUN
easat-8057	191	13	in	in	ADP
easat-8057	191	14	numerous	numerous	ADJ
easat-8057	191	15	aspects	aspect	NOUN
easat-8057	191	16	,	,	PUNCT
easat-8057	191	17	in	in	ADP
easat-8057	191	18	particular	particular	ADJ
easat-8057	191	19	,	,	PUNCT
easat-8057	191	20	capital	capital	NOUN
easat-8057	191	21	supply	supply	NOUN
easat-8057	191	22	which	which	PRON
easat-8057	191	23	is	be	AUX
easat-8057	191	24	closely	closely	ADV
easat-8057	191	25	associated	associate	VERB
easat-8057	191	26	with	with	ADP
easat-8057	191	27	firms	firm	NOUN
easat-8057	191	28	'	'	PART
easat-8057	191	29	financing	financing	NOUN
easat-8057	191	30	decision	decision	NOUN
easat-8057	191	31	.	.	PUNCT
easat-8057	192	1	given	give	VERB
easat-8057	192	2	the	the	DET
easat-8057	192	3	significant	significant	ADJ
easat-8057	192	4	impact	impact	NOUN
easat-8057	192	5	of	of	ADP
easat-8057	192	6	digital	digital	ADJ
easat-8057	192	7	finance	finance	NOUN
easat-8057	192	8	,	,	PUNCT
easat-8057	192	9	it	it	PRON
easat-8057	192	10	is	be	AUX
easat-8057	192	11	necessary	necessary	ADJ
easat-8057	192	12	to	to	PART
easat-8057	192	13	examine	examine	VERB
easat-8057	192	14	its	its	PRON
easat-8057	192	15	impact	impact	NOUN
easat-8057	192	16	on	on	ADP
easat-8057	192	17	capital	capital	NOUN
easat-8057	192	18	structure	structure	NOUN
easat-8057	192	19	.	.	PUNCT
easat-8057	193	1	based	base	VERB
easat-8057	193	2	on	on	ADP
easat-8057	193	3	the	the	DET
easat-8057	193	4	extant	extant	ADJ
easat-8057	193	5	literature	literature	NOUN
easat-8057	193	6	,	,	PUNCT
easat-8057	193	7	this	this	DET
easat-8057	193	8	paper	paper	NOUN
easat-8057	193	9	develops	develop	VERB
easat-8057	193	10	a	a	DET
easat-8057	193	11	conceptual	conceptual	ADJ
easat-8057	193	12	framework	framework	NOUN
easat-8057	193	13	to	to	PART
easat-8057	193	14	investigate	investigate	VERB
easat-8057	193	15	the	the	DET
easat-8057	193	16	relationship	relationship	NOUN
easat-8057	193	17	between	between	ADP
easat-8057	193	18	digital	digital	ADJ
easat-8057	193	19	finance	finance	NOUN
easat-8057	193	20	and	and	CCONJ
easat-8057	193	21	capital	capital	NOUN
easat-8057	193	22	structure	structure	NOUN
easat-8057	193	23	.	.	PUNCT
easat-8057	194	1	information	information	NOUN
easat-8057	194	2	asymmetry	asymmetry	NOUN
easat-8057	194	3	and	and	CCONJ
easat-8057	194	4	financial	financial	ADJ
easat-8057	194	5	constraints	constraint	NOUN
easat-8057	194	6	are	be	AUX
easat-8057	194	7	identified	identify	VERB
easat-8057	194	8	as	as	ADP
easat-8057	194	9	the	the	DET
easat-8057	194	10	channels	channel	NOUN
easat-8057	194	11	through	through	ADP
easat-8057	194	12	which	which	PRON
easat-8057	194	13	digital	digital	ADJ
easat-8057	194	14	finance	finance	NOUN
easat-8057	194	15	affects	affect	VERB
easat-8057	194	16	capital	capital	NOUN
easat-8057	194	17	structure	structure	NOUN
easat-8057	194	18	.	.	PUNCT
easat-8057	195	1	this	this	PRON
easat-8057	195	2	may	may	AUX
easat-8057	195	3	offer	offer	VERB
easat-8057	195	4	an	an	DET
easat-8057	195	5	insight	insight	NOUN
easat-8057	195	6	for	for	ADP
easat-8057	195	7	future	future	ADJ
easat-8057	195	8	research	research	NOUN
easat-8057	195	9	and	and	CCONJ
easat-8057	195	10	practical	practical	ADJ
easat-8057	195	11	application	application	NOUN
easat-8057	195	12	,	,	PUNCT
easat-8057	195	13	such	such	ADJ
easat-8057	195	14	as	as	ADP
easat-8057	195	15	the	the	DET
easat-8057	195	16	role	role	NOUN
easat-8057	195	17	of	of	ADP
easat-8057	195	18	digital	digital	ADJ
easat-8057	195	19	finance	finance	NOUN
easat-8057	195	20	in	in	ADP
easat-8057	195	21	deleveraging	deleverage	VERB
easat-8057	195	22	campaign	campaign	NOUN
easat-8057	195	23	.	.	PUNCT
easat-8057	196	1	1166	1166	NUM
easat-8057	196	2	edelweiss	edelweiss	PROPN
easat-8057	196	3	applied	apply	VERB
easat-8057	196	4	science	science	NOUN
easat-8057	196	5	and	and	CCONJ
easat-8057	196	6	technology	technology	NOUN
easat-8057	196	7	issn	issn	PROPN
easat-8057	196	8	:	:	PUNCT
easat-8057	196	9	2576	2576	NUM
easat-8057	196	10	-	-	SYM
easat-8057	196	11	8484	8484	NUM
easat-8057	196	12	vol	vol	NOUN
easat-8057	196	13	.	.	PROPN
easat-8057	197	1	9	9	NUM
easat-8057	197	2	,	,	PUNCT
easat-8057	197	3	no	no	INTJ
easat-8057	197	4	.	.	NOUN
easat-8057	197	5	6	6	NUM
easat-8057	197	6	:	:	SYM
easat-8057	197	7	1160	1160	NUM
easat-8057	197	8	-	-	SYM
easat-8057	197	9	1171	1171	NUM
easat-8057	197	10	,	,	PUNCT
easat-8057	197	11	2025	2025	NUM
easat-8057	197	12	doi	doi	NOUN
easat-8057	197	13	:	:	PUNCT
easat-8057	197	14	10.55214/25768484.v9i6.8057	10.55214/25768484.v9i6.8057	NUM
easat-8057	197	15	©	©	PROPN
easat-8057	197	16	2025	2025	NUM
easat-8057	197	17	by	by	ADP
easat-8057	197	18	the	the	DET
easat-8057	197	19	authors	author	NOUN
easat-8057	197	20	;	;	PUNCT
easat-8057	197	21	licensee	licensee	PROPN
easat-8057	197	22	learning	learn	VERB
easat-8057	197	23	gate	gate	NOUN
easat-8057	197	24	transparency	transparency	NOUN
easat-8057	197	25	:	:	PUNCT
easat-8057	197	26	the	the	DET
easat-8057	197	27	authors	author	NOUN
easat-8057	197	28	confirm	confirm	VERB
easat-8057	197	29	that	that	SCONJ
easat-8057	197	30	the	the	DET
easat-8057	197	31	manuscript	manuscript	NOUN
easat-8057	197	32	is	be	AUX
easat-8057	197	33	an	an	DET
easat-8057	197	34	honest	honest	ADJ
easat-8057	197	35	,	,	PUNCT
easat-8057	197	36	accurate	accurate	ADJ
easat-8057	197	37	,	,	PUNCT
easat-8057	197	38	and	and	CCONJ
easat-8057	197	39	transparent	transparent	ADJ
easat-8057	197	40	account	account	NOUN
easat-8057	197	41	of	of	ADP
easat-8057	197	42	the	the	DET
easat-8057	197	43	study	study	NOUN
easat-8057	197	44	;	;	PUNCT
easat-8057	197	45	that	that	SCONJ
easat-8057	197	46	no	no	DET
easat-8057	197	47	vital	vital	ADJ
easat-8057	197	48	features	feature	NOUN
easat-8057	197	49	of	of	ADP
easat-8057	197	50	the	the	DET
easat-8057	197	51	study	study	NOUN
easat-8057	197	52	have	have	AUX
easat-8057	197	53	been	be	AUX
easat-8057	197	54	omitted	omit	VERB
easat-8057	197	55	;	;	PUNCT
easat-8057	197	56	and	and	CCONJ
easat-8057	197	57	that	that	SCONJ
easat-8057	197	58	any	any	DET
easat-8057	197	59	discrepancies	discrepancy	NOUN
easat-8057	197	60	from	from	ADP
easat-8057	197	61	the	the	DET
easat-8057	197	62	study	study	NOUN
easat-8057	197	63	as	as	SCONJ
easat-8057	197	64	planned	plan	VERB
easat-8057	197	65	have	have	AUX
easat-8057	197	66	been	be	AUX
easat-8057	197	67	explained	explain	VERB
easat-8057	197	68	.	.	PUNCT
easat-8057	198	1	this	this	DET
easat-8057	198	2	study	study	NOUN
easat-8057	198	3	followed	follow	VERB
easat-8057	198	4	all	all	DET
easat-8057	198	5	ethical	ethical	ADJ
easat-8057	198	6	practices	practice	NOUN
easat-8057	198	7	during	during	ADP
easat-8057	198	8	writing	writing	NOUN
easat-8057	198	9	.	.	PUNCT
easat-8057	199	1	copyright	copyright	NOUN
easat-8057	199	2	:	:	PUNCT
easat-8057	199	3	©	©	PROPN
easat-8057	199	4	2025	2025	NUM
easat-8057	199	5	by	by	ADP
easat-8057	199	6	the	the	DET
easat-8057	199	7	authors	author	NOUN
easat-8057	199	8	.	.	PUNCT
easat-8057	200	1	this	this	DET
easat-8057	200	2	open	open	ADJ
easat-8057	200	3	-	-	PUNCT
easat-8057	200	4	access	access	NOUN
easat-8057	200	5	article	article	NOUN
easat-8057	200	6	is	be	AUX
easat-8057	200	7	distributed	distribute	VERB
easat-8057	200	8	under	under	ADP
easat-8057	200	9	the	the	DET
easat-8057	200	10	terms	term	NOUN
easat-8057	200	11	and	and	CCONJ
easat-8057	200	12	conditions	condition	NOUN
easat-8057	200	13	of	of	ADP
easat-8057	200	14	the	the	DET
easat-8057	200	15	creative	creative	ADJ
easat-8057	200	16	commons	common	NOUN
easat-8057	200	17	attribution	attribution	NOUN
easat-8057	200	18	(	(	PUNCT
easat-8057	200	19	cc	cc	NOUN
easat-8057	200	20	by	by	ADP
easat-8057	200	21	)	)	PUNCT
easat-8057	200	22	license	license	NOUN
easat-8057	200	23	(	(	PUNCT
easat-8057	200	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-8057	200	25	)	)	PUNCT
easat-8057	200	26	.	.	PUNCT
easat-8057	201	1	references	reference	NOUN
easat-8057	201	2	[	[	X
easat-8057	201	3	1	1	NUM
easat-8057	201	4	]	]	PUNCT
easat-8057	201	5	b.	b.	PROPN
easat-8057	201	6	k.	k.	PROPN
easat-8057	201	7	lukanima	lukanima	PROPN
easat-8057	201	8	,	,	PUNCT
easat-8057	201	9	"	"	PUNCT
easat-8057	201	10	an	an	DET
easat-8057	201	11	overview	overview	NOUN
easat-8057	201	12	of	of	ADP
easat-8057	201	13	capital	capital	NOUN
easat-8057	201	14	structure	structure	NOUN
easat-8057	201	15	and	and	CCONJ
easat-8057	201	16	cost	cost	NOUN
easat-8057	201	17	of	of	ADP
easat-8057	201	18	capital	capital	NOUN
easat-8057	201	19	,	,	PUNCT
easat-8057	201	20	"	"	PUNCT
easat-8057	201	21	in	in	ADP
easat-8057	201	22	corporate	corporate	ADJ
easat-8057	201	23	valuation	valuation	NOUN
easat-8057	201	24	:	:	PUNCT
easat-8057	201	25	a	a	DET
easat-8057	201	26	practical	practical	ADJ
easat-8057	201	27	approach	approach	NOUN
easat-8057	201	28	with	with	ADP
easat-8057	201	29	case	case	NOUN
easat-8057	201	30	studies	study	NOUN
easat-8057	201	31	.	.	PUNCT
easat-8057	202	1	cham	cham	PROPN
easat-8057	202	2	:	:	PUNCT
easat-8057	202	3	springer	springer	NOUN
easat-8057	202	4	international	international	ADJ
easat-8057	202	5	publishing	publishing	NOUN
easat-8057	202	6	,	,	PUNCT
easat-8057	202	7	2023	2023	NUM
easat-8057	202	8	,	,	PUNCT
easat-8057	202	9	pp	pp	ADJ
easat-8057	202	10	.	.	PUNCT
easat-8057	203	1	323	323	NUM
easat-8057	203	2	-	-	SYM
easat-8057	203	3	337	337	NUM
easat-8057	203	4	.	.	PUNCT
easat-8057	204	1	[	[	X
easat-8057	204	2	2	2	X
easat-8057	204	3	]	]	X
easat-8057	204	4	d.	d.	PROPN
easat-8057	204	5	durand	durand	PROPN
easat-8057	204	6	,	,	PUNCT
easat-8057	204	7	"	"	PUNCT
easat-8057	204	8	costs	cost	NOUN
easat-8057	204	9	of	of	ADP
easat-8057	204	10	debt	debt	NOUN
easat-8057	204	11	and	and	CCONJ
easat-8057	204	12	equity	equity	NOUN
easat-8057	204	13	funds	fund	NOUN
easat-8057	204	14	for	for	ADP
easat-8057	204	15	business	business	NOUN
easat-8057	204	16	:	:	PUNCT
easat-8057	204	17	trends	trend	NOUN
easat-8057	204	18	and	and	CCONJ
easat-8057	204	19	problems	problem	NOUN
easat-8057	204	20	of	of	ADP
easat-8057	204	21	measurement	measurement	NOUN
easat-8057	204	22	,	,	PUNCT
easat-8057	204	23	"	"	PUNCT
easat-8057	204	24	in	in	ADP
easat-8057	204	25	conference	conference	NOUN
easat-8057	204	26	on	on	ADP
easat-8057	204	27	research	research	NOUN
easat-8057	204	28	in	in	ADP
easat-8057	204	29	business	business	NOUN
easat-8057	204	30	finance	finance	NOUN
easat-8057	204	31	,	,	PUNCT
easat-8057	204	32	1952	1952	NUM
easat-8057	204	33	,	,	PUNCT
easat-8057	204	34	pp	pp	ADJ
easat-8057	204	35	.	.	PUNCT
easat-8057	205	1	215	215	NUM
easat-8057	205	2	-	-	SYM
easat-8057	205	3	262	262	NUM
easat-8057	205	4	.	.	PUNCT
easat-8057	206	1	[	[	X
easat-8057	206	2	3	3	X
easat-8057	206	3	]	]	X
easat-8057	206	4	h.	h.	PROPN
easat-8057	206	5	huang	huang	PROPN
easat-8057	206	6	and	and	CCONJ
easat-8057	206	7	y.	y.	PROPN
easat-8057	206	8	ye	ye	PROPN
easat-8057	206	9	,	,	PUNCT
easat-8057	206	10	"	"	PUNCT
easat-8057	206	11	rethinking	rethink	VERB
easat-8057	206	12	capital	capital	NOUN
easat-8057	206	13	structure	structure	NOUN
easat-8057	206	14	decision	decision	NOUN
easat-8057	206	15	and	and	CCONJ
easat-8057	206	16	corporate	corporate	ADJ
easat-8057	206	17	social	social	ADJ
easat-8057	206	18	responsibility	responsibility	NOUN
easat-8057	206	19	in	in	ADP
easat-8057	206	20	response	response	NOUN
easat-8057	206	21	to	to	ADP
easat-8057	206	22	covid-19	covid-19	PROPN
easat-8057	206	23	,	,	PUNCT
easat-8057	206	24	"	"	PUNCT
easat-8057	206	25	accounting	accounting	NOUN
easat-8057	206	26	and	and	CCONJ
easat-8057	206	27	finance	finance	NOUN
easat-8057	206	28	,	,	PUNCT
easat-8057	206	29	article	article	NOUN
easat-8057	206	30	vol	vol	NOUN
easat-8057	206	31	.	.	PROPN
easat-8057	206	32	61	61	NUM
easat-8057	206	33	,	,	PUNCT
easat-8057	206	34	no	no	INTJ
easat-8057	206	35	.	.	NOUN
easat-8057	206	36	3	3	NUM
easat-8057	206	37	,	,	PUNCT
easat-8057	206	38	pp	pp	ADJ
easat-8057	206	39	.	.	PUNCT
easat-8057	206	40	4757	4757	NUM
easat-8057	206	41	-	-	SYM
easat-8057	206	42	4788	4788	NUM
easat-8057	206	43	,	,	PUNCT
easat-8057	206	44	sep	sep	PROPN
easat-8057	206	45	2021	2021	NUM
easat-8057	206	46	.	.	PUNCT
easat-8057	207	1	https://doi.org/10.1111/acfi.12740	https://doi.org/10.1111/acfi.12740	NOUN
easat-8057	208	1	[	[	X
easat-8057	208	2	4	4	X
easat-8057	208	3	]	]	PUNCT
easat-8057	208	4	t.	t.	PROPN
easat-8057	208	5	thanh	thanh	PROPN
easat-8057	208	6	hang	hang	VERB
easat-8057	208	7	and	and	CCONJ
easat-8057	208	8	n.	n.	PROPN
easat-8057	208	9	la	la	PROPN
easat-8057	208	10	soa	soa	PROPN
easat-8057	208	11	,	,	PUNCT
easat-8057	208	12	"	"	PUNCT
easat-8057	208	13	factors	factor	NOUN
easat-8057	208	14	affecting	affect	VERB
easat-8057	208	15	bankruptcy	bankruptcy	NOUN
easat-8057	208	16	risks	risk	NOUN
easat-8057	208	17	of	of	ADP
easat-8057	208	18	firms	firm	NOUN
easat-8057	208	19	:	:	PUNCT
easat-8057	208	20	evidence	evidence	NOUN
easat-8057	208	21	from	from	ADP
easat-8057	208	22	listed	list	VERB
easat-8057	208	23	companies	company	NOUN
easat-8057	208	24	on	on	ADP
easat-8057	208	25	vietnamese	vietnamese	ADJ
easat-8057	208	26	stock	stock	NOUN
easat-8057	208	27	market	market	NOUN
easat-8057	208	28	,	,	PUNCT
easat-8057	208	29	"	"	PUNCT
easat-8057	208	30	journal	journal	NOUN
easat-8057	208	31	of	of	ADP
easat-8057	208	32	asian	asian	ADJ
easat-8057	208	33	finance	finance	NOUN
easat-8057	208	34	economics	economic	NOUN
easat-8057	208	35	and	and	CCONJ
easat-8057	208	36	business	business	NOUN
easat-8057	208	37	,	,	PUNCT
easat-8057	208	38	article	article	NOUN
easat-8057	208	39	vol	vol	NOUN
easat-8057	208	40	.	.	PROPN
easat-8057	209	1	9	9	NUM
easat-8057	209	2	,	,	PUNCT
easat-8057	209	3	no	no	INTJ
easat-8057	209	4	.	.	NOUN
easat-8057	209	5	3	3	NUM
easat-8057	209	6	,	,	PUNCT
easat-8057	209	7	pp	pp	ADJ
easat-8057	209	8	.	.	PUNCT
easat-8057	210	1	275	275	NUM
easat-8057	210	2	-	-	SYM
easat-8057	210	3	283	283	NUM
easat-8057	210	4	,	,	PUNCT
easat-8057	210	5	mar	mar	PROPN
easat-8057	210	6	2022	2022	NUM
easat-8057	210	7	.	.	PUNCT
easat-8057	211	1	https://doi.org/10.13106/jafeb.2022.vol9.no3.0275	https://doi.org/10.13106/jafeb.2022.vol9.no3.0275	X
easat-8057	212	1	[	[	X
easat-8057	212	2	5	5	X
easat-8057	212	3	]	]	PUNCT
easat-8057	212	4	h.	h.	PROPN
easat-8057	212	5	abdullah	abdullah	PROPN
easat-8057	212	6	and	and	CCONJ
easat-8057	212	7	t.	t.	PROPN
easat-8057	212	8	tursoy	tursoy	NOUN
easat-8057	212	9	,	,	PUNCT
easat-8057	212	10	"	"	PUNCT
easat-8057	212	11	capital	capital	NOUN
easat-8057	212	12	structure	structure	NOUN
easat-8057	212	13	and	and	CCONJ
easat-8057	212	14	firm	firm	ADJ
easat-8057	212	15	performance	performance	NOUN
easat-8057	212	16	:	:	PUNCT
easat-8057	212	17	evidence	evidence	NOUN
easat-8057	212	18	of	of	ADP
easat-8057	212	19	germany	germany	PROPN
easat-8057	212	20	under	under	ADP
easat-8057	212	21	ifrs	ifrs	PROPN
easat-8057	212	22	adoption	adoption	NOUN
easat-8057	212	23	,	,	PUNCT
easat-8057	212	24	"	"	PUNCT
easat-8057	212	25	review	review	NOUN
easat-8057	212	26	of	of	ADP
easat-8057	212	27	managerial	managerial	ADJ
easat-8057	212	28	science	science	NOUN
easat-8057	212	29	,	,	PUNCT
easat-8057	212	30	vol	vol	NOUN
easat-8057	212	31	.	.	PROPN
easat-8057	212	32	15	15	NUM
easat-8057	212	33	,	,	PUNCT
easat-8057	212	34	no	no	INTJ
easat-8057	212	35	.	.	NOUN
easat-8057	212	36	2	2	NUM
easat-8057	212	37	,	,	PUNCT
easat-8057	212	38	pp	pp	ADJ
easat-8057	212	39	.	.	PUNCT
easat-8057	212	40	379	379	NUM
easat-8057	212	41	-	-	SYM
easat-8057	212	42	398	398	NUM
easat-8057	212	43	,	,	PUNCT
easat-8057	212	44	feb	feb	PROPN
easat-8057	212	45	2021	2021	NUM
easat-8057	212	46	.	.	PUNCT
easat-8057	213	1	https://doi.org/10.1007/s11846-019-00344-5	https://doi.org/10.1007/s11846-019-00344-5	NUM
easat-8057	214	1	[	[	X
easat-8057	214	2	6	6	NUM
easat-8057	214	3	]	]	PUNCT
easat-8057	214	4	o.	o.	NOUN
easat-8057	214	5	panosso	panosso	NOUN
easat-8057	214	6	,	,	PUNCT
easat-8057	214	7	g.	g.	PROPN
easat-8057	214	8	moreno	moreno	PROPN
easat-8057	214	9	,	,	PUNCT
easat-8057	214	10	t.	t.	PROPN
easat-8057	214	11	p.	p.	PROPN
easat-8057	214	12	da	da	PROPN
easat-8057	214	13	silva	silva	PROPN
easat-8057	214	14	,	,	PUNCT
easat-8057	214	15	and	and	CCONJ
easat-8057	214	16	l.	l.	PROPN
easat-8057	214	17	c.	c.	PROPN
easat-8057	214	18	de	de	PROPN
easat-8057	214	19	carvalho	carvalho	PROPN
easat-8057	214	20	,	,	PUNCT
easat-8057	214	21	"	"	PUNCT
easat-8057	214	22	culture	culture	NOUN
easat-8057	214	23	of	of	ADP
easat-8057	214	24	individualism	individualism	NOUN
easat-8057	214	25	and	and	CCONJ
easat-8057	214	26	uncertainty	uncertainty	NOUN
easat-8057	214	27	avoidance	avoidance	NOUN
easat-8057	214	28	in	in	ADP
easat-8057	214	29	the	the	DET
easat-8057	214	30	g20	g20	NOUN
easat-8057	214	31	countries	country	NOUN
easat-8057	214	32	'	'	PART
easat-8057	214	33	industries	industry	NOUN
easat-8057	214	34	:	:	PUNCT
easat-8057	214	35	an	an	DET
easat-8057	214	36	analysis	analysis	NOUN
easat-8057	214	37	of	of	ADP
easat-8057	214	38	capital	capital	NOUN
easat-8057	214	39	structure	structure	NOUN
easat-8057	214	40	and	and	CCONJ
easat-8057	214	41	performance	performance	NOUN
easat-8057	214	42	,	,	PUNCT
easat-8057	214	43	"	"	PUNCT
easat-8057	214	44	revista	revista	PROPN
easat-8057	214	45	finanzas	finanzas	PROPN
easat-8057	214	46	y	y	PROPN
easat-8057	214	47	politica	politica	PROPN
easat-8057	214	48	economica	economica	PROPN
easat-8057	214	49	,	,	PUNCT
easat-8057	214	50	vol	vol	NOUN
easat-8057	214	51	.	.	PROPN
easat-8057	214	52	14	14	NUM
easat-8057	214	53	,	,	PUNCT
easat-8057	214	54	no	no	INTJ
easat-8057	214	55	.	.	NOUN
easat-8057	214	56	2	2	NUM
easat-8057	214	57	,	,	PUNCT
easat-8057	214	58	pp	pp	ADJ
easat-8057	214	59	.	.	PUNCT
easat-8057	215	1	513	513	NUM
easat-8057	215	2	-	-	SYM
easat-8057	215	3	539	539	NUM
easat-8057	215	4	,	,	PUNCT
easat-8057	215	5	jul	jul	PROPN
easat-8057	215	6	-	-	PUNCT
easat-8057	215	7	dec	dec	PROPN
easat-8057	215	8	2022	2022	NUM
easat-8057	215	9	.	.	PUNCT
easat-8057	216	1	https://doi.org/10.14718/revfinanzpolitecon.v14.n2.2022.8	https://doi.org/10.14718/revfinanzpolitecon.v14.n2.2022.8	NUM
easat-8057	217	1	[	[	X
easat-8057	217	2	7	7	X
easat-8057	217	3	]	]	X
easat-8057	217	4	v.	v.	PROPN
easat-8057	217	5	chang	chang	PROPN
easat-8057	217	6	,	,	PUNCT
easat-8057	217	7	p.	p.	NOUN
easat-8057	217	8	baudier	baudier	NOUN
easat-8057	217	9	,	,	PUNCT
easat-8057	217	10	h.	h.	PROPN
easat-8057	217	11	zhang	zhang	PROPN
easat-8057	217	12	,	,	PUNCT
easat-8057	217	13	q.	q.	PROPN
easat-8057	217	14	xu	xu	PROPN
easat-8057	217	15	,	,	PUNCT
easat-8057	217	16	j.	j.	PROPN
easat-8057	217	17	zhang	zhang	PROPN
easat-8057	217	18	,	,	PUNCT
easat-8057	217	19	and	and	CCONJ
easat-8057	217	20	m.	m.	PROPN
easat-8057	217	21	arami	arami	PROPN
easat-8057	217	22	,	,	PUNCT
easat-8057	217	23	"	"	PUNCT
easat-8057	217	24	how	how	SCONJ
easat-8057	217	25	blockchain	blockchain	PROPN
easat-8057	217	26	can	can	AUX
easat-8057	217	27	impact	impact	VERB
easat-8057	217	28	financial	financial	ADJ
easat-8057	217	29	services	service	NOUN
easat-8057	217	30	the	the	DET
easat-8057	217	31	overview	overview	NOUN
easat-8057	217	32	,	,	PUNCT
easat-8057	217	33	challenges	challenge	NOUN
easat-8057	217	34	and	and	CCONJ
easat-8057	217	35	recommendations	recommendation	NOUN
easat-8057	217	36	from	from	ADP
easat-8057	217	37	expert	expert	ADJ
easat-8057	217	38	interviewees	interviewee	NOUN
easat-8057	217	39	,	,	PUNCT
easat-8057	217	40	"	"	PUNCT
easat-8057	217	41	technological	technological	ADJ
easat-8057	217	42	forecasting	forecasting	NOUN
easat-8057	217	43	and	and	CCONJ
easat-8057	217	44	social	social	ADJ
easat-8057	217	45	change	change	NOUN
easat-8057	217	46	,	,	PUNCT
easat-8057	217	47	article	article	NOUN
easat-8057	217	48	vol	vol	NOUN
easat-8057	217	49	.	.	PROPN
easat-8057	217	50	158	158	NUM
easat-8057	217	51	,	,	PUNCT
easat-8057	217	52	p.	p.	NOUN
easat-8057	217	53	120166	120166	NUM
easat-8057	217	54	,	,	PUNCT
easat-8057	217	55	sep	sep	PROPN
easat-8057	217	56	2020	2020	NUM
easat-8057	217	57	,	,	PUNCT
easat-8057	217	58	art	art	NOUN
easat-8057	217	59	no	no	NOUN
easat-8057	217	60	.	.	PROPN
easat-8057	217	61	120166	120166	NUM
easat-8057	217	62	.	.	PUNCT
easat-8057	218	1	https://doi.org/10.1016/j.techfore.2020.120166	https://doi.org/10.1016/j.techfore.2020.120166	PROPN
easat-8057	219	1	[	[	X
easat-8057	219	2	8	8	NUM
easat-8057	219	3	]	]	X
easat-8057	219	4	i.	i.	PROPN
easat-8057	219	5	lee	lee	PROPN
easat-8057	219	6	and	and	CCONJ
easat-8057	219	7	y.	y.	PROPN
easat-8057	219	8	j.	j.	PROPN
easat-8057	219	9	shin	shin	PROPN
easat-8057	219	10	,	,	PUNCT
easat-8057	219	11	"	"	PUNCT
easat-8057	219	12	fintech	fintech	NOUN
easat-8057	219	13	:	:	PUNCT
easat-8057	219	14	ecosystem	ecosystem	NOUN
easat-8057	219	15	,	,	PUNCT
easat-8057	219	16	business	business	NOUN
easat-8057	219	17	models	model	NOUN
easat-8057	219	18	,	,	PUNCT
easat-8057	219	19	investment	investment	NOUN
easat-8057	219	20	decisions	decision	NOUN
easat-8057	219	21	,	,	PUNCT
easat-8057	219	22	and	and	CCONJ
easat-8057	219	23	challenges	challenge	NOUN
easat-8057	219	24	,	,	PUNCT
easat-8057	219	25	"	"	PUNCT
easat-8057	219	26	business	business	NOUN
easat-8057	219	27	horizons	horizon	NOUN
easat-8057	219	28	,	,	PUNCT
easat-8057	219	29	article	article	NOUN
easat-8057	219	30	vol	vol	NOUN
easat-8057	219	31	.	.	PROPN
easat-8057	220	1	61	61	NUM
easat-8057	220	2	,	,	PUNCT
easat-8057	220	3	no	no	INTJ
easat-8057	220	4	.	.	NOUN
easat-8057	220	5	1	1	NUM
easat-8057	220	6	,	,	PUNCT
easat-8057	220	7	pp	pp	ADJ
easat-8057	220	8	.	.	PUNCT
easat-8057	221	1	35	35	NUM
easat-8057	221	2	-	-	SYM
easat-8057	221	3	46	46	NUM
easat-8057	221	4	,	,	PUNCT
easat-8057	221	5	jan	jan	PROPN
easat-8057	221	6	-	-	PROPN
easat-8057	221	7	feb	feb	PROPN
easat-8057	221	8	2018	2018	NUM
easat-8057	221	9	.	.	PUNCT
easat-8057	222	1	https://doi.org/10.1016/j.bushor.2017.09.003	https://doi.org/10.1016/j.bushor.2017.09.003	NOUN
easat-8057	222	2	[	[	X
easat-8057	222	3	9	9	NUM
easat-8057	222	4	]	]	PUNCT
easat-8057	222	5	m.	m.	NOUN
easat-8057	222	6	y.	y.	PROPN
easat-8057	222	7	cheng	cheng	PROPN
easat-8057	222	8	and	and	CCONJ
easat-8057	222	9	y.	y.	PROPN
easat-8057	222	10	qu	qu	PROPN
easat-8057	222	11	,	,	PUNCT
easat-8057	222	12	"	"	PUNCT
easat-8057	222	13	does	do	AUX
easat-8057	222	14	bank	bank	NOUN
easat-8057	222	15	fintech	fintech	NOUN
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easat-8057	222	17	credit	credit	NOUN
easat-8057	222	18	risk	risk	NOUN
easat-8057	222	19	?	?	PUNCT
easat-8057	223	1	evidence	evidence	NOUN
easat-8057	223	2	from	from	ADP
easat-8057	223	3	china	china	PROPN
easat-8057	223	4	,	,	PUNCT
easat-8057	223	5	"	"	PUNCT
easat-8057	223	6	pacific	pacific	ADJ
easat-8057	223	7	-	-	PUNCT
easat-8057	223	8	basin	basin	NOUN
easat-8057	223	9	finance	finance	NOUN
easat-8057	223	10	journal	journal	NOUN
easat-8057	223	11	,	,	PUNCT
easat-8057	223	12	vol	vol	NOUN
easat-8057	223	13	.	.	PROPN
easat-8057	223	14	63	63	NUM
easat-8057	223	15	,	,	PUNCT
easat-8057	223	16	p.	p.	NOUN
easat-8057	223	17	101398	101398	NUM
easat-8057	223	18	,	,	PUNCT
easat-8057	223	19	oct	oct	PROPN
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easat-8057	223	21	,	,	PUNCT
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easat-8057	223	23	no	no	NOUN
easat-8057	223	24	.	.	PROPN
easat-8057	223	25	101398	101398	NUM
easat-8057	223	26	.	.	PUNCT
easat-8057	224	1	https://doi.org/10.1016/j.pacfin.2020.101398	https://doi.org/10.1016/j.pacfin.2020.101398	PROPN
easat-8057	224	2	[	[	X
easat-8057	224	3	10	10	NUM
easat-8057	224	4	]	]	X
easat-8057	224	5	financial	financial	ADJ
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easat-8057	224	9	"	"	PUNCT
easat-8057	224	10	fintech	fintech	NOUN
easat-8057	224	11	:	:	PUNCT
easat-8057	224	12	describing	describe	VERB
easat-8057	224	13	the	the	DET
easat-8057	224	14	landscape	landscape	NOUN
easat-8057	224	15	and	and	CCONJ
easat-8057	224	16	a	a	DET
easat-8057	224	17	framework	framework	NOUN
easat-8057	224	18	for	for	ADP
easat-8057	224	19	analysis	analysis	NOUN
easat-8057	224	20	,	,	PUNCT
easat-8057	224	21	"	"	PUNCT
easat-8057	224	22	ed	ed	NOUN
easat-8057	224	23	:	:	PUNCT
easat-8057	224	24	research	research	NOUN
easat-8057	224	25	report	report	NOUN
easat-8057	224	26	,	,	PUNCT
easat-8057	224	27	2016	2016	NUM
easat-8057	224	28	.	.	PUNCT
easat-8057	225	1	[	[	X
easat-8057	225	2	11	11	NUM
easat-8057	225	3	]	]	X
easat-8057	225	4	y.	y.	PROPN
easat-8057	225	5	huang	huang	PROPN
easat-8057	225	6	,	,	PUNCT
easat-8057	225	7	t.	t.	PROPN
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easat-8057	225	9	,	,	PUNCT
easat-8057	225	10	k.	k.	PROPN
easat-8057	225	11	iwata	iwata	PROPN
easat-8057	225	12	,	,	PUNCT
easat-8057	225	13	c.	c.	PROPN
easat-8057	225	14	mckenzie	mckenzie	PROPN
easat-8057	225	15	,	,	PUNCT
easat-8057	225	16	and	and	CCONJ
easat-8057	225	17	s.	s.	PROPN
easat-8057	225	18	urata	urata	PROPN
easat-8057	225	19	,	,	PUNCT
easat-8057	225	20	"	"	PUNCT
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easat-8057	225	22	finance	finance	NOUN
easat-8057	225	23	in	in	ADP
easat-8057	225	24	asia	asia	PROPN
easat-8057	225	25	:	:	PUNCT
easat-8057	225	26	editors	editor	NOUN
easat-8057	225	27	'	'	PART
easat-8057	225	28	overview	overview	NOUN
easat-8057	225	29	,	,	PUNCT
easat-8057	225	30	"	"	PUNCT
easat-8057	225	31	asian	asian	ADJ
easat-8057	225	32	economic	economic	ADJ
easat-8057	225	33	policy	policy	NOUN
easat-8057	225	34	review	review	NOUN
easat-8057	225	35	,	,	PUNCT
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easat-8057	225	37	.	.	PROPN
easat-8057	225	38	17	17	NUM
easat-8057	225	39	,	,	PUNCT
easat-8057	225	40	no	no	INTJ
easat-8057	225	41	.	.	NOUN
easat-8057	225	42	2	2	NUM
easat-8057	225	43	,	,	PUNCT
easat-8057	225	44	pp	pp	ADJ
easat-8057	225	45	.	.	PUNCT
easat-8057	226	1	163	163	NUM
easat-8057	226	2	-	-	SYM
easat-8057	226	3	182	182	NUM
easat-8057	226	4	,	,	PUNCT
easat-8057	226	5	jul	jul	PROPN
easat-8057	226	6	2022	2022	NUM
easat-8057	226	7	.	.	PUNCT
easat-8057	227	1	https://doi.org/10.1111/aepr.12397	https://doi.org/10.1111/aepr.12397	PROPN
easat-8057	228	1	[	[	X
easat-8057	228	2	12	12	NUM
easat-8057	228	3	]	]	PUNCT
easat-8057	228	4	j.	j.	PROPN
easat-8057	228	5	gimpel	gimpel	PROPN
easat-8057	228	6	,	,	PUNCT
easat-8057	228	7	s.	s.	PROPN
easat-8057	228	8	wrede	wrede	PROPN
easat-8057	228	9	,	,	PUNCT
easat-8057	228	10	k.	k.	PROPN
easat-8057	228	11	claassen	claassen	PROPN
easat-8057	228	12	,	,	PUNCT
easat-8057	228	13	and	and	CCONJ
easat-8057	228	14	h.	h.	PROPN
easat-8057	228	15	c.	c.	PROPN
easat-8057	228	16	broding	broding	PROPN
easat-8057	228	17	,	,	PUNCT
easat-8057	228	18	"	"	PUNCT
easat-8057	228	19	digitaler	digitaler	NOUN
easat-8057	228	20	stress	stress	NOUN
easat-8057	228	21	in	in	ADP
easat-8057	228	22	deutschland	deutschland	NOUN
easat-8057	228	23	:	:	PUNCT
easat-8057	228	24	eine	eine	PROPN
easat-8057	228	25	befragung	befragung	PROPN
easat-8057	228	26	von	von	PROPN
easat-8057	228	27	erwerbstätigen	erwerbstätigen	PROPN
easat-8057	228	28	zu	zu	PROPN
easat-8057	228	29	belastung	belastung	PROPN
easat-8057	228	30	und	und	PROPN
easat-8057	228	31	beanspruchung	beanspruchung	PROPN
easat-8057	228	32	durch	durch	PROPN
easat-8057	228	33	arbeit	arbeit	PROPN
easat-8057	228	34	mit	mit	PROPN
easat-8057	228	35	digitalen	digitalen	PROPN
easat-8057	228	36	technologien	technologien	NOUN
easat-8057	228	37	,	,	PUNCT
easat-8057	228	38	"	"	PUNCT
easat-8057	228	39	in	in	ADP
easat-8057	228	40	proceedings	proceeding	NOUN
easat-8057	228	41	of	of	ADP
easat-8057	228	42	the	the	DET
easat-8057	228	43	13th	13th	ADJ
easat-8057	228	44	international	international	ADJ
easat-8057	228	45	conference	conference	NOUN
easat-8057	228	46	on	on	ADP
easat-8057	228	47	wirtschaftsinformatik	wirtschaftsinformatik	PROPN
easat-8057	228	48	(	(	PUNCT
easat-8057	228	49	wi	wi	PROPN
easat-8057	228	50	2018	2018	NUM
easat-8057	228	51	)	)	PUNCT
easat-8057	228	52	,	,	PUNCT
easat-8057	228	53	1–15	1–15	NUM
easat-8057	228	54	.	.	PUNCT
easat-8057	229	1	retrieved	retrieve	VERB
easat-8057	229	2	from	from	ADP
easat-8057	229	3	https://www.researchgate.net/publication/354238256	https://www.researchgate.net/publication/354238256	PROPN
easat-8057	229	4	,	,	PUNCT
easat-8057	229	5	2018	2018	NUM
easat-8057	229	6	.	.	PUNCT
easat-8057	230	1	[	[	X
easat-8057	230	2	13	13	NUM
easat-8057	230	3	]	]	PUNCT
easat-8057	230	4	p.	p.	NOUN
easat-8057	230	5	gomber	gomber	PROPN
easat-8057	230	6	,	,	PUNCT
easat-8057	230	7	r.	r.	PROPN
easat-8057	230	8	j.	j.	PROPN
easat-8057	230	9	kauffman	kauffman	PROPN
easat-8057	230	10	,	,	PUNCT
easat-8057	230	11	c.	c.	PROPN
easat-8057	230	12	parker	parker	PROPN
easat-8057	230	13	,	,	PUNCT
easat-8057	230	14	and	and	CCONJ
easat-8057	230	15	b.	b.	PROPN
easat-8057	230	16	w.	w.	PROPN
easat-8057	230	17	weber	weber	PROPN
easat-8057	230	18	,	,	PUNCT
easat-8057	230	19	"	"	PUNCT
easat-8057	230	20	on	on	ADP
easat-8057	230	21	the	the	DET
easat-8057	230	22	fintech	fintech	NOUN
easat-8057	230	23	revolution	revolution	NOUN
easat-8057	230	24	:	:	PUNCT
easat-8057	230	25	interpreting	interpret	VERB
easat-8057	230	26	the	the	DET
easat-8057	230	27	forces	force	NOUN
easat-8057	230	28	of	of	ADP
easat-8057	230	29	innovation	innovation	NOUN
easat-8057	230	30	,	,	PUNCT
easat-8057	230	31	disruption	disruption	NOUN
easat-8057	230	32	,	,	PUNCT
easat-8057	230	33	and	and	CCONJ
easat-8057	230	34	transformation	transformation	NOUN
easat-8057	230	35	in	in	ADP
easat-8057	230	36	financial	financial	ADJ
easat-8057	230	37	services	service	NOUN
easat-8057	230	38	,	,	PUNCT
easat-8057	230	39	"	"	PUNCT
easat-8057	230	40	journal	journal	NOUN
easat-8057	230	41	of	of	ADP
easat-8057	230	42	management	management	NOUN
easat-8057	230	43	information	information	NOUN
easat-8057	230	44	systems	system	NOUN
easat-8057	230	45	,	,	PUNCT
easat-8057	230	46	article	article	NOUN
easat-8057	230	47	vol	vol	NOUN
easat-8057	230	48	.	.	PROPN
easat-8057	230	49	35	35	NUM
easat-8057	230	50	,	,	PUNCT
easat-8057	230	51	no	no	INTJ
easat-8057	230	52	.	.	NOUN
easat-8057	230	53	1	1	NUM
easat-8057	230	54	,	,	PUNCT
easat-8057	230	55	pp	pp	ADJ
easat-8057	230	56	.	.	PUNCT
easat-8057	231	1	220	220	NUM
easat-8057	231	2	-	-	SYM
easat-8057	231	3	265	265	NUM
easat-8057	231	4	,	,	PUNCT
easat-8057	231	5	2018	2018	NUM
easat-8057	231	6	2018	2018	NUM
easat-8057	231	7	.	.	PUNCT
easat-8057	231	8	https://doi.org/10.1080/07421222.2018.1440766	https://doi.org/10.1080/07421222.2018.1440766	PUNCT
easat-8057	232	1	[	[	X
easat-8057	232	2	14	14	NUM
easat-8057	232	3	]	]	X
easat-8057	232	4	y.	y.	PROPN
easat-8057	232	5	ji	ji	PROPN
easat-8057	232	6	,	,	PUNCT
easat-8057	232	7	l.	l.	PROPN
easat-8057	232	8	n.	n.	PROPN
easat-8057	232	9	shi	shi	PROPN
easat-8057	232	10	,	,	PUNCT
easat-8057	232	11	and	and	CCONJ
easat-8057	232	12	s.	s.	PROPN
easat-8057	232	13	m.	m.	PROPN
easat-8057	232	14	zhang	zhang	PROPN
easat-8057	232	15	,	,	PUNCT
easat-8057	232	16	"	"	PUNCT
easat-8057	232	17	digital	digital	ADJ
easat-8057	232	18	finance	finance	NOUN
easat-8057	232	19	and	and	CCONJ
easat-8057	232	20	corporate	corporate	ADJ
easat-8057	232	21	bankruptcy	bankruptcy	NOUN
easat-8057	232	22	risk	risk	NOUN
easat-8057	232	23	:	:	PUNCT
easat-8057	232	24	evidence	evidence	NOUN
easat-8057	232	25	from	from	ADP
easat-8057	232	26	china	china	PROPN
easat-8057	232	27	,	,	PUNCT
easat-8057	232	28	"	"	PUNCT
easat-8057	232	29	pacific	pacific	ADJ
easat-8057	232	30	-	-	PUNCT
easat-8057	232	31	basin	basin	NOUN
easat-8057	232	32	finance	finance	NOUN
easat-8057	232	33	journal	journal	NOUN
easat-8057	232	34	,	,	PUNCT
easat-8057	232	35	vol	vol	NOUN
easat-8057	232	36	.	.	PROPN
easat-8057	232	37	72	72	NUM
easat-8057	232	38	,	,	PUNCT
easat-8057	232	39	p.	p.	NOUN
easat-8057	232	40	101731	101731	NUM
easat-8057	232	41	,	,	PUNCT
easat-8057	232	42	apr	apr	NOUN
easat-8057	232	43	2022	2022	NUM
easat-8057	232	44	,	,	PUNCT
easat-8057	232	45	art	art	NOUN
easat-8057	232	46	no	no	NOUN
easat-8057	232	47	.	.	PROPN
easat-8057	232	48	101731	101731	NUM
easat-8057	232	49	.	.	PUNCT
easat-8057	233	1	https://doi.org/10.1016/j.pacfin.2022.101731	https://doi.org/10.1016/j.pacfin.2022.101731	NOUN
easat-8057	233	2	[	[	X
easat-8057	233	3	15	15	NUM
easat-8057	233	4	]	]	X
easat-8057	233	5	m.	m.	NOUN
easat-8057	233	6	a.	a.	PROPN
easat-8057	233	7	chen	chen	PROPN
easat-8057	233	8	,	,	PUNCT
easat-8057	233	9	q.	q.	PROPN
easat-8057	233	10	wu	wu	PROPN
easat-8057	233	11	,	,	PUNCT
easat-8057	233	12	and	and	CCONJ
easat-8057	233	13	b.	b.	PROPN
easat-8057	233	14	yang	yang	PROPN
easat-8057	233	15	,	,	PUNCT
easat-8057	233	16	"	"	PUNCT
easat-8057	233	17	how	how	SCONJ
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easat-8057	233	19	is	be	AUX
easat-8057	233	20	fintech	fintech	NOUN
easat-8057	233	21	innovation	innovation	NOUN
easat-8057	233	22	?	?	PUNCT
easat-8057	233	23	,	,	PUNCT
easat-8057	233	24	"	"	PUNCT
easat-8057	233	25	review	review	NOUN
easat-8057	233	26	of	of	ADP
easat-8057	233	27	financial	financial	ADJ
easat-8057	233	28	studies	study	NOUN
easat-8057	233	29	,	,	PUNCT
easat-8057	233	30	article	article	NOUN
easat-8057	233	31	vol	vol	NOUN
easat-8057	233	32	.	.	PROPN
easat-8057	234	1	32	32	NUM
easat-8057	234	2	,	,	PUNCT
easat-8057	234	3	no	no	INTJ
easat-8057	234	4	.	.	NOUN
easat-8057	234	5	5	5	NUM
easat-8057	234	6	,	,	PUNCT
easat-8057	234	7	pp	pp	ADJ
easat-8057	234	8	.	.	PUNCT
easat-8057	235	1	2062	2062	NUM
easat-8057	235	2	-	-	SYM
easat-8057	235	3	2106	2106	NUM
easat-8057	235	4	,	,	PUNCT
easat-8057	235	5	may	may	AUX
easat-8057	235	6	2019	2019	NUM
easat-8057	235	7	.	.	PUNCT
easat-8057	236	1	https://doi.org/10.1093/rfs/hhy130	https://doi.org/10.1093/rfs/hhy130	PROPN
easat-8057	237	1	[	[	X
easat-8057	237	2	16	16	NUM
easat-8057	237	3	]	]	X
easat-8057	237	4	y.	y.	PROPN
easat-8057	237	5	wang	wang	PROPN
easat-8057	237	6	,	,	PUNCT
easat-8057	237	7	a.	a.	PROPN
easat-8057	237	8	jiang	jiang	PROPN
easat-8057	237	9	,	,	PUNCT
easat-8057	237	10	s.	s.	PROPN
easat-8057	237	11	zhang	zhang	PROPN
easat-8057	237	12	,	,	PUNCT
easat-8057	237	13	and	and	CCONJ
easat-8057	237	14	w.	w.	PROPN
easat-8057	237	15	chen	chen	PROPN
easat-8057	237	16	,	,	PUNCT
easat-8057	237	17	"	"	PUNCT
easat-8057	237	18	traditional	traditional	ADJ
easat-8057	237	19	finance	finance	NOUN
easat-8057	237	20	,	,	PUNCT
easat-8057	237	21	digital	digital	ADJ
easat-8057	237	22	finance	finance	NOUN
easat-8057	237	23	,	,	PUNCT
easat-8057	237	24	and	and	CCONJ
easat-8057	237	25	financial	financial	ADJ
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easat-8057	237	27	:	:	PUNCT
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easat-8057	237	33	19	19	NUM
easat-8057	237	34	urban	urban	ADJ
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easat-8057	237	36	in	in	ADP
easat-8057	237	37	china	china	PROPN
easat-8057	237	38	,	,	PUNCT
easat-8057	237	39	"	"	PUNCT
easat-8057	237	40	international	international	ADJ
easat-8057	237	41	review	review	NOUN
easat-8057	237	42	of	of	ADP
easat-8057	237	43	financial	financial	ADJ
easat-8057	237	44	analysis	analysis	NOUN
easat-8057	237	45	,	,	PUNCT
easat-8057	237	46	article	article	NOUN
easat-8057	237	47	vol	vol	NOUN
easat-8057	237	48	.	.	PROPN
easat-8057	238	1	96	96	NUM
easat-8057	238	2	,	,	PUNCT
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easat-8057	238	5	,	,	PUNCT
easat-8057	238	6	art	art	NOUN
easat-8057	238	7	no	no	NOUN
easat-8057	238	8	.	.	PUNCT
easat-8057	239	1	103603	103603	NUM
easat-8057	239	2	.	.	PUNCT
easat-8057	240	1	https://doi.org/10.1016/j.irfa.2024.103603	https://doi.org/10.1016/j.irfa.2024.103603	PROPN
easat-8057	240	2	[	[	X
easat-8057	240	3	17	17	NUM
easat-8057	240	4	]	]	PUNCT
easat-8057	240	5	p.	p.	PROPN
easat-8057	240	6	k.	k.	PROPN
easat-8057	240	7	ozili	ozili	PROPN
easat-8057	240	8	,	,	PUNCT
easat-8057	240	9	"	"	PUNCT
easat-8057	240	10	impact	impact	NOUN
easat-8057	240	11	of	of	ADP
easat-8057	240	12	digital	digital	ADJ
easat-8057	240	13	finance	finance	NOUN
easat-8057	240	14	on	on	ADP
easat-8057	240	15	financial	financial	ADJ
easat-8057	240	16	inclusion	inclusion	NOUN
easat-8057	240	17	and	and	CCONJ
easat-8057	240	18	stability	stability	NOUN
easat-8057	240	19	,	,	PUNCT
easat-8057	240	20	"	"	PUNCT
easat-8057	240	21	borsa	borsa	PROPN
easat-8057	240	22	istanbul	istanbul	PROPN
easat-8057	240	23	review	review	PROPN
easat-8057	240	24	,	,	PUNCT
easat-8057	240	25	article	article	NOUN
easat-8057	240	26	vol	vol	NOUN
easat-8057	240	27	.	.	PROPN
easat-8057	240	28	18	18	NUM
easat-8057	240	29	,	,	PUNCT
easat-8057	240	30	no	no	INTJ
easat-8057	240	31	.	.	NOUN
easat-8057	240	32	4	4	NUM
easat-8057	240	33	,	,	PUNCT
easat-8057	240	34	pp	pp	ADJ
easat-8057	240	35	.	.	PUNCT
easat-8057	240	36	329	329	NUM
easat-8057	240	37	-	-	SYM
easat-8057	240	38	340	340	NUM
easat-8057	240	39	,	,	PUNCT
easat-8057	240	40	dec	dec	PROPN
easat-8057	240	41	2018	2018	NUM
easat-8057	240	42	.	.	PUNCT
easat-8057	241	1	https://doi.org/10.1016/j.bir.2017.12.003	https://doi.org/10.1016/j.bir.2017.12.003	PROPN
easat-8057	242	1	[	[	X
easat-8057	242	2	18	18	NUM
easat-8057	242	3	]	]	PUNCT
easat-8057	242	4	x.	x.	PROPN
easat-8057	242	5	jiang	jiang	PROPN
easat-8057	242	6	,	,	PUNCT
easat-8057	242	7	x.	x.	PROPN
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easat-8057	242	9	,	,	PUNCT
easat-8057	242	10	j.	j.	PROPN
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easat-8057	242	12	,	,	PUNCT
easat-8057	242	13	and	and	CCONJ
easat-8057	242	14	z.	z.	PROPN
easat-8057	242	15	xie	xie	PROPN
easat-8057	242	16	,	,	PUNCT
easat-8057	242	17	"	"	PUNCT
easat-8057	242	18	the	the	DET
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easat-8057	242	20	between	between	ADP
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easat-8057	242	23	and	and	CCONJ
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easat-8057	242	25	development	development	NOUN
easat-8057	242	26	:	:	PUNCT
easat-8057	242	27	evidence	evidence	NOUN
easat-8057	242	28	from	from	ADP
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easat-8057	242	30	,	,	PUNCT
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easat-8057	242	35	vol	vol	NOUN
easat-8057	242	36	.	.	PROPN
easat-8057	242	37	13	13	NUM
easat-8057	242	38	,	,	PUNCT
easat-8057	242	39	no	no	INTJ
easat-8057	242	40	.	.	NOUN
easat-8057	242	41	13	13	NUM
easat-8057	242	42	,	,	PUNCT
easat-8057	242	43	p.	p.	NOUN
easat-8057	242	44	7289	7289	NUM
easat-8057	242	45	,	,	PUNCT
easat-8057	242	46	jul	jul	PROPN
easat-8057	242	47	2021	2021	NUM
easat-8057	242	48	,	,	PUNCT
easat-8057	242	49	art	art	NOUN
easat-8057	242	50	no	no	NOUN
easat-8057	242	51	.	.	PROPN
easat-8057	242	52	7289	7289	NUM
easat-8057	242	53	.	.	PUNCT
easat-8057	243	1	https://doi.org/10.3390/su13137289	https://doi.org/10.3390/su13137289	X
easat-8057	244	1	[	[	X
easat-8057	244	2	19	19	NUM
easat-8057	244	3	]	]	PUNCT
easat-8057	244	4	m.	m.	NOUN
easat-8057	244	5	gopal	gopal	NOUN
easat-8057	244	6	and	and	CCONJ
easat-8057	244	7	p.	p.	PROPN
easat-8057	244	8	schnabl	schnabl	NOUN
easat-8057	244	9	,	,	PUNCT
easat-8057	244	10	"	"	PUNCT
easat-8057	244	11	the	the	DET
easat-8057	244	12	rise	rise	NOUN
easat-8057	244	13	of	of	ADP
easat-8057	244	14	finance	finance	NOUN
easat-8057	244	15	companies	company	NOUN
easat-8057	244	16	and	and	CCONJ
easat-8057	244	17	fintech	fintech	NOUN
easat-8057	244	18	lenders	lender	NOUN
easat-8057	244	19	in	in	ADP
easat-8057	244	20	small	small	ADJ
easat-8057	244	21	business	business	NOUN
easat-8057	244	22	lending	lending	NOUN
easat-8057	244	23	,	,	PUNCT
easat-8057	244	24	"	"	PUNCT
easat-8057	244	25	review	review	NOUN
easat-8057	244	26	of	of	ADP
easat-8057	244	27	financial	financial	ADJ
easat-8057	244	28	studies	study	NOUN
easat-8057	244	29	,	,	PUNCT
easat-8057	244	30	article	article	NOUN
easat-8057	244	31	vol	vol	NOUN
easat-8057	244	32	.	.	PROPN
easat-8057	244	33	35	35	NUM
easat-8057	244	34	,	,	PUNCT
easat-8057	244	35	no	no	INTJ
easat-8057	244	36	.	.	NOUN
easat-8057	244	37	11	11	NUM
easat-8057	244	38	,	,	PUNCT
easat-8057	244	39	pp	pp	ADJ
easat-8057	244	40	.	.	PUNCT
easat-8057	245	1	4859	4859	NUM
easat-8057	245	2	-	-	SYM
easat-8057	245	3	4901	4901	NUM
easat-8057	245	4	,	,	PUNCT
easat-8057	245	5	oct	oct	PROPN
easat-8057	245	6	18	18	NUM
easat-8057	245	7	2022	2022	NUM
easat-8057	245	8	.	.	PUNCT
easat-8057	246	1	https://doi.org/10.1093/rfs/hhac034	https://doi.org/10.1093/rfs/hhac034	PROPN
easat-8057	247	1	[	[	X
easat-8057	247	2	20	20	NUM
easat-8057	247	3	]	]	PUNCT
easat-8057	247	4	a.	a.	NOUN
easat-8057	247	5	fuster	fuster	PROPN
easat-8057	247	6	,	,	PUNCT
easat-8057	247	7	m.	m.	NOUN
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easat-8057	247	10	p.	p.	PROPN
easat-8057	247	11	schnabl	schnabl	NOUN
easat-8057	247	12	,	,	PUNCT
easat-8057	247	13	and	and	CCONJ
easat-8057	247	14	j.	j.	PROPN
easat-8057	247	15	vickery	vickery	PROPN
easat-8057	247	16	,	,	PUNCT
easat-8057	247	17	"	"	PUNCT
easat-8057	247	18	the	the	DET
easat-8057	247	19	role	role	NOUN
easat-8057	247	20	of	of	ADP
easat-8057	247	21	technology	technology	NOUN
easat-8057	247	22	in	in	ADP
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easat-8057	247	24	lending	lending	NOUN
easat-8057	247	25	,	,	PUNCT
easat-8057	247	26	"	"	PUNCT
easat-8057	247	27	review	review	NOUN
easat-8057	247	28	of	of	ADP
easat-8057	247	29	financial	financial	ADJ
easat-8057	247	30	studies	study	NOUN
easat-8057	247	31	,	,	PUNCT
easat-8057	247	32	article	article	NOUN
easat-8057	247	33	vol	vol	NOUN
easat-8057	247	34	.	.	PROPN
easat-8057	247	35	32	32	NUM
easat-8057	247	36	,	,	PUNCT
easat-8057	247	37	no	no	INTJ
easat-8057	247	38	.	.	NOUN
easat-8057	247	39	5	5	NUM
easat-8057	247	40	,	,	PUNCT
easat-8057	247	41	pp	pp	ADJ
easat-8057	247	42	.	.	PUNCT
easat-8057	247	43	1854	1854	NUM
easat-8057	247	44	-	-	SYM
easat-8057	247	45	1899	1899	NUM
easat-8057	247	46	,	,	PUNCT
easat-8057	247	47	may	may	AUX
easat-8057	247	48	2019	2019	NUM
easat-8057	247	49	.	.	PUNCT
easat-8057	248	1	https://doi.org/10.1093/rfs/hhz018	https://doi.org/10.1093/rfs/hhz018	PROPN
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easat-8057	248	6	https://doi.org/10.14718/revfinanzpolitecon.v14.n2.2022.8	https://doi.org/10.14718/revfinanzpolitecon.v14.n2.2022.8	NUM
easat-8057	248	7	https://doi.org/10.1016/j.techfore.2020.120166	https://doi.org/10.1016/j.techfore.2020.120166	PROPN
easat-8057	248	8	https://doi.org/10.1016/j.bushor.2017.09.003	https://doi.org/10.1016/j.bushor.2017.09.003	PROPN
easat-8057	248	9	https://doi.org/10.1016/j.pacfin.2020.101398	https://doi.org/10.1016/j.pacfin.2020.101398	PROPN
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easat-8057	248	12	https://doi.org/10.1080/07421222.2018.1440766	https://doi.org/10.1080/07421222.2018.1440766	PROPN
easat-8057	249	1	https://doi.org/10.1016/j.pacfin.2022.101731	https://doi.org/10.1016/j.pacfin.2022.101731	PROPN
easat-8057	249	2	https://doi.org/10.1093/rfs/hhy130	https://doi.org/10.1093/rfs/hhy130	PROPN
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easat-8057	249	4	https://doi.org/10.1016/j.bir.2017.12.003	https://doi.org/10.1016/j.bir.2017.12.003	PROPN
easat-8057	250	1	https://doi.org/10.3390/su13137289	https://doi.org/10.3390/su13137289	PROPN
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easat-8057	250	4	1167	1167	NUM
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easat-8057	250	10	issn	issn	PROPN
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easat-8057	250	12	2576	2576	NUM
easat-8057	250	13	-	-	SYM
easat-8057	250	14	8484	8484	NUM
easat-8057	250	15	vol	vol	NOUN
easat-8057	250	16	.	.	PROPN
easat-8057	251	1	9	9	NUM
easat-8057	251	2	,	,	PUNCT
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easat-8057	251	4	.	.	NOUN
easat-8057	251	5	6	6	NUM
easat-8057	251	6	:	:	SYM
easat-8057	251	7	1160	1160	NUM
easat-8057	251	8	-	-	SYM
easat-8057	251	9	1171	1171	NUM
easat-8057	251	10	,	,	PUNCT
easat-8057	251	11	2025	2025	NUM
easat-8057	251	12	doi	doi	NOUN
easat-8057	251	13	:	:	PUNCT
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easat-8057	252	1	[	[	X
easat-8057	252	2	21	21	NUM
easat-8057	252	3	]	]	PUNCT
easat-8057	252	4	s.	s.	PROPN
easat-8057	252	5	luo	luo	PROPN
easat-8057	252	6	,	,	PUNCT
easat-8057	252	7	y.	y.	PROPN
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easat-8057	252	9	,	,	PUNCT
easat-8057	252	10	f.	f.	PROPN
easat-8057	252	11	yang	yang	PROPN
easat-8057	252	12	,	,	PUNCT
easat-8057	252	13	and	and	CCONJ
easat-8057	252	14	g.	g.	PROPN
easat-8057	252	15	zhou	zhou	PROPN
easat-8057	252	16	,	,	PUNCT
easat-8057	252	17	"	"	PUNCT
easat-8057	252	18	does	do	AUX
easat-8057	252	19	fintech	fintech	NOUN
easat-8057	252	20	innovation	innovation	NOUN
easat-8057	252	21	promote	promote	VERB
easat-8057	252	22	enterprise	enterprise	NOUN
easat-8057	252	23	transformation	transformation	NOUN
easat-8057	252	24	?	?	PUNCT
easat-8057	253	1	evidence	evidence	NOUN
easat-8057	253	2	from	from	ADP
easat-8057	253	3	china	china	PROPN
easat-8057	253	4	,	,	PUNCT
easat-8057	253	5	"	"	PUNCT
easat-8057	253	6	technology	technology	NOUN
easat-8057	253	7	in	in	ADP
easat-8057	253	8	society	society	NOUN
easat-8057	253	9	,	,	PUNCT
easat-8057	253	10	article	article	NOUN
easat-8057	253	11	vol	vol	NOUN
easat-8057	253	12	.	.	PROPN
easat-8057	253	13	68	68	NUM
easat-8057	253	14	,	,	PUNCT
easat-8057	253	15	p.	p.	NOUN
easat-8057	253	16	101821	101821	NUM
easat-8057	253	17	,	,	PUNCT
easat-8057	253	18	feb	feb	PROPN
easat-8057	253	19	2022	2022	NUM
easat-8057	253	20	,	,	PUNCT
easat-8057	253	21	art	art	NOUN
easat-8057	253	22	no	no	NOUN
easat-8057	253	23	.	.	PROPN
easat-8057	254	1	101821	101821	NUM
easat-8057	254	2	.	.	PUNCT
easat-8057	255	1	https://doi.org/10.1016/j.techsoc.2021.101821	https://doi.org/10.1016/j.techsoc.2021.101821	NOUN
easat-8057	255	2	[	[	X
easat-8057	255	3	22	22	NUM
easat-8057	255	4	]	]	X
easat-8057	255	5	g.	g.	PROPN
easat-8057	255	6	buchak	buchak	PROPN
easat-8057	255	7	,	,	PUNCT
easat-8057	255	8	g.	g.	PROPN
easat-8057	255	9	matvos	matvos	PROPN
easat-8057	255	10	,	,	PUNCT
easat-8057	255	11	t.	t.	NOUN
easat-8057	255	12	piskorski	piskorski	NOUN
easat-8057	255	13	,	,	PUNCT
easat-8057	255	14	and	and	CCONJ
easat-8057	255	15	a.	a.	PROPN
easat-8057	255	16	seru	seru	PROPN
easat-8057	255	17	,	,	PUNCT
easat-8057	255	18	"	"	PUNCT
easat-8057	255	19	fintech	fintech	NOUN
easat-8057	255	20	,	,	PUNCT
easat-8057	255	21	regulatory	regulatory	ADJ
easat-8057	255	22	arbitrage	arbitrage	NOUN
easat-8057	255	23	,	,	PUNCT
easat-8057	255	24	and	and	CCONJ
easat-8057	255	25	the	the	DET
easat-8057	255	26	rise	rise	NOUN
easat-8057	255	27	of	of	ADP
easat-8057	255	28	shadow	shadow	NOUN
easat-8057	255	29	banks	bank	NOUN
easat-8057	255	30	,	,	PUNCT
easat-8057	255	31	"	"	PUNCT
easat-8057	255	32	journal	journal	NOUN
easat-8057	255	33	of	of	ADP
easat-8057	255	34	financial	financial	ADJ
easat-8057	255	35	economics	economic	NOUN
easat-8057	255	36	,	,	PUNCT
easat-8057	255	37	article	article	NOUN
easat-8057	255	38	vol	vol	NOUN
easat-8057	255	39	.	.	PROPN
easat-8057	255	40	130	130	NUM
easat-8057	255	41	,	,	PUNCT
easat-8057	255	42	no	no	INTJ
easat-8057	255	43	.	.	NOUN
easat-8057	255	44	3	3	NUM
easat-8057	255	45	,	,	PUNCT
easat-8057	255	46	pp	pp	ADJ
easat-8057	255	47	.	.	PUNCT
easat-8057	256	1	453	453	NUM
easat-8057	256	2	-	-	SYM
easat-8057	256	3	483	483	NUM
easat-8057	256	4	,	,	PUNCT
easat-8057	256	5	dec	dec	PROPN
easat-8057	256	6	2018	2018	NUM
easat-8057	256	7	.	.	PUNCT
easat-8057	257	1	https://doi.org/10.1016/j.jfineco.2018.03.011	https://doi.org/10.1016/j.jfineco.2018.03.011	NUM
easat-8057	257	2	[	[	X
easat-8057	257	3	23	23	NUM
easat-8057	257	4	]	]	PUNCT
easat-8057	257	5	a.	a.	NOUN
easat-8057	257	6	v.	v.	ADP
easat-8057	257	7	thakor	thakor	PROPN
easat-8057	257	8	,	,	PUNCT
easat-8057	257	9	"	"	PUNCT
easat-8057	257	10	fintech	fintech	NOUN
easat-8057	257	11	and	and	CCONJ
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easat-8057	257	13	:	:	PUNCT
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easat-8057	257	15	do	do	AUX
easat-8057	257	16	we	we	PRON
easat-8057	257	17	know	know	VERB
easat-8057	257	18	?	?	PUNCT
easat-8057	257	19	,	,	PUNCT
easat-8057	257	20	"	"	PUNCT
easat-8057	257	21	journal	journal	NOUN
easat-8057	257	22	of	of	ADP
easat-8057	257	23	financial	financial	ADJ
easat-8057	257	24	intermediation	intermediation	NOUN
easat-8057	257	25	,	,	PUNCT
easat-8057	257	26	article	article	NOUN
easat-8057	257	27	vol	vol	NOUN
easat-8057	257	28	.	.	PROPN
easat-8057	257	29	41	41	NUM
easat-8057	257	30	,	,	PUNCT
easat-8057	257	31	p.	p.	NOUN
easat-8057	257	32	100833	100833	NUM
easat-8057	257	33	,	,	PUNCT
easat-8057	257	34	jan	jan	PROPN
easat-8057	257	35	2020	2020	NUM
easat-8057	257	36	,	,	PUNCT
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easat-8057	257	39	.	.	PUNCT
easat-8057	257	40	100833	100833	NUM
easat-8057	257	41	.	.	PUNCT
easat-8057	258	1	https://doi.org/10.1016/j.jfi.2019.100833	https://doi.org/10.1016/j.jfi.2019.100833	PUNCT
easat-8057	259	1	[	[	X
easat-8057	259	2	24	24	NUM
easat-8057	259	3	]	]	PUNCT
easat-8057	259	4	x.	x.	NOUN
easat-8057	259	5	m.	m.	PROPN
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easat-8057	259	8	t.	t.	PROPN
easat-8057	259	9	y.	y.	PROPN
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easat-8057	259	13	h.	h.	PROPN
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easat-8057	259	15	,	,	PUNCT
easat-8057	259	16	and	and	CCONJ
easat-8057	259	17	z.	z.	PROPN
easat-8057	259	18	q.	q.	PROPN
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easat-8057	259	20	,	,	PUNCT
easat-8057	259	21	"	"	PUNCT
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easat-8057	259	26	disintermediation	disintermediation	NOUN
easat-8057	259	27	?	?	PUNCT
easat-8057	260	1	evidence	evidence	NOUN
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easat-8057	260	5	in	in	ADP
easat-8057	260	6	china	china	PROPN
easat-8057	260	7	from	from	ADP
easat-8057	260	8	2013	2013	NUM
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easat-8057	260	10	2018	2018	NUM
easat-8057	260	11	,	,	PUNCT
easat-8057	260	12	"	"	PUNCT
easat-8057	260	13	journal	journal	NOUN
easat-8057	260	14	of	of	ADP
easat-8057	260	15	asian	asian	ADJ
easat-8057	260	16	economics	economic	NOUN
easat-8057	260	17	,	,	PUNCT
easat-8057	260	18	vol	vol	NOUN
easat-8057	260	19	.	.	PROPN
easat-8057	260	20	82	82	NUM
easat-8057	260	21	,	,	PUNCT
easat-8057	260	22	p.	p.	NOUN
easat-8057	260	23	101516	101516	NUM
easat-8057	260	24	,	,	PUNCT
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easat-8057	260	27	,	,	PUNCT
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easat-8057	260	30	.	.	PROPN
easat-8057	260	31	101516	101516	NUM
easat-8057	260	32	.	.	PUNCT
easat-8057	261	1	https://doi.org/10.1016/j.asieco.2022.101516	https://doi.org/10.1016/j.asieco.2022.101516	PROPN
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easat-8057	261	3	25	25	NUM
easat-8057	261	4	]	]	PUNCT
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easat-8057	261	7	,	,	PUNCT
easat-8057	261	8	x.	x.	PROPN
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easat-8057	261	10	,	,	PUNCT
easat-8057	261	11	c.-h	c.-h	PROPN
easat-8057	261	12	.	.	PUNCT
easat-8057	262	1	yu	yu	PROPN
easat-8057	262	2	,	,	PUNCT
easat-8057	262	3	s.	s.	PROPN
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easat-8057	262	6	and	and	CCONJ
easat-8057	262	7	c.-c	c.-c	PROPN
easat-8057	262	8	.	.	PUNCT
easat-8057	263	1	lee	lee	PROPN
easat-8057	263	2	,	,	PUNCT
easat-8057	263	3	"	"	PUNCT
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easat-8057	263	7	innovation	innovation	NOUN
easat-8057	263	8	wave	wave	NOUN
easat-8057	263	9	:	:	PUNCT
easat-8057	263	10	fintech	fintech	NOUN
easat-8057	263	11	,	,	PUNCT
easat-8057	263	12	patents	patent	NOUN
easat-8057	263	13	and	and	CCONJ
easat-8057	263	14	bank	bank	NOUN
easat-8057	263	15	performance	performance	NOUN
easat-8057	263	16	,	,	PUNCT
easat-8057	263	17	"	"	PUNCT
easat-8057	263	18	journal	journal	NOUN
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easat-8057	263	21	money	money	NOUN
easat-8057	263	22	and	and	CCONJ
easat-8057	263	23	finance	finance	NOUN
easat-8057	263	24	,	,	PUNCT
easat-8057	263	25	article	article	NOUN
easat-8057	263	26	vol	vol	NOUN
easat-8057	263	27	.	.	PROPN
easat-8057	263	28	122	122	NUM
easat-8057	263	29	,	,	PUNCT
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easat-8057	263	32	,	,	PUNCT
easat-8057	263	33	apr	apr	NOUN
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easat-8057	263	35	,	,	PUNCT
easat-8057	263	36	art	art	NOUN
easat-8057	263	37	no	no	NOUN
easat-8057	263	38	.	.	PROPN
easat-8057	263	39	102552	102552	NUM
easat-8057	263	40	.	.	PUNCT
easat-8057	264	1	https://doi.org/10.1016/j.jimonfin.2021.102552	https://doi.org/10.1016/j.jimonfin.2021.102552	NOUN
easat-8057	264	2	[	[	X
easat-8057	264	3	26	26	NUM
easat-8057	264	4	]	]	X
easat-8057	264	5	w.	w.	PROPN
easat-8057	264	6	xiong	xiong	PROPN
easat-8057	264	7	,	,	PUNCT
easat-8057	264	8	w.	w.	PROPN
easat-8057	264	9	liu	liu	PROPN
easat-8057	264	10	,	,	PUNCT
easat-8057	264	11	and	and	CCONJ
easat-8057	264	12	f.	f.	PROPN
easat-8057	264	13	wen	wen	PROPN
easat-8057	264	14	,	,	PUNCT
easat-8057	264	15	"	"	PUNCT
easat-8057	264	16	digital	digital	ADJ
easat-8057	264	17	finance	finance	NOUN
easat-8057	264	18	and	and	CCONJ
easat-8057	264	19	corporate	corporate	ADJ
easat-8057	264	20	credit	credit	NOUN
easat-8057	264	21	rent	rent	NOUN
easat-8057	264	22	-	-	PUNCT
easat-8057	264	23	seeking	seeking	NOUN
easat-8057	264	24	:	:	PUNCT
easat-8057	264	25	the	the	DET
easat-8057	264	26	role	role	NOUN
easat-8057	264	27	of	of	ADP
easat-8057	264	28	financing	financing	NOUN
easat-8057	264	29	constraints	constraint	NOUN
easat-8057	264	30	and	and	CCONJ
easat-8057	264	31	bank	bank	NOUN
easat-8057	264	32	competition	competition	NOUN
easat-8057	264	33	☆	☆	NOUN
easat-8057	264	34	,	,	PUNCT
easat-8057	264	35	"	"	PUNCT
easat-8057	264	36	pacific	pacific	ADJ
easat-8057	264	37	-	-	PUNCT
easat-8057	264	38	basin	basin	NOUN
easat-8057	264	39	finance	finance	NOUN
easat-8057	264	40	journal	journal	NOUN
easat-8057	264	41	,	,	PUNCT
easat-8057	264	42	article	article	NOUN
easat-8057	264	43	vol	vol	NOUN
easat-8057	264	44	.	.	PROPN
easat-8057	264	45	92	92	NUM
easat-8057	264	46	,	,	PUNCT
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easat-8057	264	48	2025	2025	NUM
easat-8057	264	49	,	,	PUNCT
easat-8057	264	50	art	art	NOUN
easat-8057	264	51	no	no	NOUN
easat-8057	264	52	.	.	PUNCT
easat-8057	264	53	102778	102778	NUM
easat-8057	264	54	.	.	PUNCT
easat-8057	265	1	https://doi.org/10.1016/j.pacfin.2025.102778	https://doi.org/10.1016/j.pacfin.2025.102778	PROPN
easat-8057	266	1	[	[	X
easat-8057	266	2	27	27	NUM
easat-8057	266	3	]	]	X
easat-8057	266	4	c.	c.	PROPN
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easat-8057	266	6	-	-	PUNCT
easat-8057	266	7	wong	wong	PROPN
easat-8057	266	8	and	and	CCONJ
easat-8057	266	9	s.	s.	PROPN
easat-8057	266	10	sen	sen	PROPN
easat-8057	266	11	,	,	PUNCT
easat-8057	266	12	"	"	PUNCT
easat-8057	266	13	harnessing	harness	VERB
easat-8057	266	14	the	the	DET
easat-8057	266	15	power	power	NOUN
easat-8057	266	16	of	of	ADP
easat-8057	266	17	the	the	DET
easat-8057	266	18	cloud	cloud	NOUN
easat-8057	266	19	:	:	PUNCT
easat-8057	266	20	revenue	revenue	NOUN
easat-8057	266	21	,	,	PUNCT
easat-8057	266	22	fairness	fairness	NOUN
easat-8057	266	23	,	,	PUNCT
easat-8057	266	24	and	and	CCONJ
easat-8057	266	25	cloud	cloud	NOUN
easat-8057	266	26	neutrality	neutrality	NOUN
easat-8057	266	27	,	,	PUNCT
easat-8057	266	28	"	"	PUNCT
easat-8057	266	29	journal	journal	NOUN
easat-8057	266	30	of	of	ADP
easat-8057	266	31	management	management	NOUN
easat-8057	266	32	information	information	NOUN
easat-8057	266	33	systems	system	NOUN
easat-8057	266	34	,	,	PUNCT
easat-8057	266	35	article	article	NOUN
easat-8057	266	36	vol	vol	NOUN
easat-8057	266	37	.	.	PROPN
easat-8057	266	38	35	35	NUM
easat-8057	266	39	,	,	PUNCT
easat-8057	266	40	no	no	INTJ
easat-8057	266	41	.	.	NOUN
easat-8057	266	42	3	3	NUM
easat-8057	266	43	,	,	PUNCT
easat-8057	266	44	pp	pp	ADJ
easat-8057	266	45	.	.	PUNCT
easat-8057	267	1	813	813	NUM
easat-8057	267	2	-	-	SYM
easat-8057	267	3	836	836	NUM
easat-8057	267	4	,	,	PUNCT
easat-8057	267	5	2018	2018	NUM
easat-8057	267	6	2018	2018	NUM
easat-8057	267	7	.	.	PUNCT
easat-8057	268	1	https://doi.org/10.1080/07421222.2018.1481639	https://doi.org/10.1080/07421222.2018.1481639	PROPN
easat-8057	269	1	[	[	X
easat-8057	269	2	28	28	NUM
easat-8057	269	3	]	]	X
easat-8057	269	4	r.	r.	PROPN
easat-8057	269	5	bartlett	bartlett	PROPN
easat-8057	269	6	,	,	PUNCT
easat-8057	269	7	a.	a.	NOUN
easat-8057	269	8	morse	morse	PROPN
easat-8057	269	9	,	,	PUNCT
easat-8057	269	10	r.	r.	PROPN
easat-8057	269	11	stanton	stanton	PROPN
easat-8057	269	12	,	,	PUNCT
easat-8057	269	13	and	and	CCONJ
easat-8057	269	14	n.	n.	PROPN
easat-8057	269	15	wallace	wallace	PROPN
easat-8057	269	16	,	,	PUNCT
easat-8057	269	17	"	"	PUNCT
easat-8057	269	18	consumer	consumer	NOUN
easat-8057	269	19	-	-	PUNCT
easat-8057	269	20	lending	lending	NOUN
easat-8057	269	21	discrimination	discrimination	NOUN
easat-8057	269	22	in	in	ADP
easat-8057	269	23	the	the	DET
easat-8057	269	24	fintech	fintech	NOUN
easat-8057	269	25	era	era	NOUN
easat-8057	269	26	"	"	PUNCT
easat-8057	269	27	journal	journal	NOUN
easat-8057	269	28	of	of	ADP
easat-8057	269	29	financial	financial	ADJ
easat-8057	269	30	economics	economic	NOUN
easat-8057	269	31	,	,	PUNCT
easat-8057	269	32	vol	vol	NOUN
easat-8057	269	33	.	.	PROPN
easat-8057	269	34	143	143	NUM
easat-8057	269	35	,	,	PUNCT
easat-8057	269	36	no	no	INTJ
easat-8057	269	37	.	.	NOUN
easat-8057	269	38	1	1	NUM
easat-8057	269	39	,	,	PUNCT
easat-8057	269	40	pp	pp	ADJ
easat-8057	269	41	.	.	PUNCT
easat-8057	270	1	30	30	NUM
easat-8057	270	2	-	-	SYM
easat-8057	270	3	56	56	NUM
easat-8057	270	4	,	,	PUNCT
easat-8057	270	5	2022	2022	NUM
easat-8057	270	6	.	.	PUNCT
easat-8057	271	1	https://doi.org/10.1016/j.jfineco.2021.05.047	https://doi.org/10.1016/j.jfineco.2021.05.047	NUM
easat-8057	271	2	[	[	X
easat-8057	271	3	29	29	NUM
easat-8057	271	4	]	]	X
easat-8057	271	5	q.	q.	PROPN
easat-8057	271	6	li	li	PROPN
easat-8057	271	7	,	,	PUNCT
easat-8057	271	8	z.	z.	PROPN
easat-8057	271	9	zhong	zhong	PROPN
easat-8057	271	10	,	,	PUNCT
easat-8057	271	11	and	and	CCONJ
easat-8057	271	12	q.	q.	PROPN
easat-8057	271	13	ge	ge	PROPN
easat-8057	271	14	,	,	PUNCT
easat-8057	271	15	"	"	PUNCT
easat-8057	271	16	digital	digital	ADJ
easat-8057	271	17	finance	finance	NOUN
easat-8057	271	18	and	and	CCONJ
easat-8057	271	19	sustainable	sustainable	ADJ
easat-8057	271	20	development	development	NOUN
easat-8057	271	21	of	of	ADP
easat-8057	271	22	commercial	commercial	ADJ
easat-8057	271	23	banks	bank	NOUN
easat-8057	271	24	;	;	PUNCT
easat-8057	271	25	insights	insight	NOUN
easat-8057	271	26	from	from	ADP
easat-8057	271	27	listed	list	VERB
easat-8057	271	28	commercial	commercial	ADJ
easat-8057	271	29	banks	bank	NOUN
easat-8057	271	30	,	,	PUNCT
easat-8057	271	31	"	"	PUNCT
easat-8057	271	32	international	international	ADJ
easat-8057	271	33	review	review	NOUN
easat-8057	271	34	of	of	ADP
easat-8057	271	35	financial	financial	ADJ
easat-8057	271	36	analysis	analysis	NOUN
easat-8057	271	37	,	,	PUNCT
easat-8057	271	38	article	article	NOUN
easat-8057	271	39	vol	vol	NOUN
easat-8057	271	40	.	.	PROPN
easat-8057	271	41	104	104	NUM
easat-8057	271	42	,	,	PUNCT
easat-8057	271	43	aug	aug	PROPN
easat-8057	271	44	2025	2025	NUM
easat-8057	271	45	,	,	PUNCT
easat-8057	271	46	art	art	NOUN
easat-8057	271	47	no	no	NOUN
easat-8057	271	48	.	.	PROPN
easat-8057	271	49	104209	104209	NUM
easat-8057	271	50	.	.	PUNCT
easat-8057	272	1	https://doi.org/10.1016/j.irfa.2025.104209	https://doi.org/10.1016/j.irfa.2025.104209	PROPN
easat-8057	273	1	[	[	X
easat-8057	273	2	30	30	NUM
easat-8057	273	3	]	]	PUNCT
easat-8057	273	4	j.	j.	PROPN
easat-8057	273	5	sedunov	sedunov	PROPN
easat-8057	273	6	,	,	PUNCT
easat-8057	273	7	"	"	PUNCT
easat-8057	273	8	does	do	AUX
easat-8057	273	9	bank	bank	NOUN
easat-8057	273	10	technology	technology	NOUN
easat-8057	273	11	affect	affect	VERB
easat-8057	273	12	small	small	ADJ
easat-8057	273	13	business	business	NOUN
easat-8057	273	14	lending	lending	NOUN
easat-8057	273	15	decisions	decision	NOUN
easat-8057	273	16	?	?	PUNCT
easat-8057	273	17	,	,	PUNCT
easat-8057	273	18	"	"	PUNCT
easat-8057	273	19	journal	journal	NOUN
easat-8057	273	20	of	of	ADP
easat-8057	273	21	financial	financial	ADJ
easat-8057	273	22	research	research	NOUN
easat-8057	273	23	,	,	PUNCT
easat-8057	273	24	article	article	NOUN
easat-8057	273	25	vol	vol	NOUN
easat-8057	273	26	.	.	PROPN
easat-8057	274	1	40	40	NUM
easat-8057	274	2	,	,	PUNCT
easat-8057	274	3	no	no	INTJ
easat-8057	274	4	.	.	NOUN
easat-8057	274	5	1	1	NUM
easat-8057	274	6	,	,	PUNCT
easat-8057	274	7	pp	pp	ADJ
easat-8057	274	8	.	.	PUNCT
easat-8057	275	1	5	5	NUM
easat-8057	275	2	-	-	SYM
easat-8057	275	3	32	32	NUM
easat-8057	275	4	,	,	PUNCT
easat-8057	275	5	spr	spr	NOUN
easat-8057	275	6	2017	2017	NUM
easat-8057	275	7	.	.	PUNCT
easat-8057	276	1	https://doi.org/10.1111/jfir.12116	https://doi.org/10.1111/jfir.12116	PROPN
easat-8057	277	1	[	[	X
easat-8057	277	2	31	31	NUM
easat-8057	277	3	]	]	PUNCT
easat-8057	277	4	a.	a.	PROPN
easat-8057	277	5	j.	j.	PROPN
easat-8057	277	6	lin	lin	PROPN
easat-8057	277	7	,	,	PUNCT
easat-8057	277	8	y.	y.	PROPN
easat-8057	277	9	l.	l.	PROPN
easat-8057	277	10	peng	peng	PROPN
easat-8057	277	11	,	,	PUNCT
easat-8057	277	12	and	and	CCONJ
easat-8057	277	13	x.	x.	PROPN
easat-8057	277	14	wu	wu	PROPN
easat-8057	277	15	,	,	PUNCT
easat-8057	277	16	"	"	PUNCT
easat-8057	277	17	digital	digital	ADJ
easat-8057	277	18	finance	finance	NOUN
easat-8057	277	19	and	and	CCONJ
easat-8057	277	20	investment	investment	NOUN
easat-8057	277	21	of	of	ADP
easat-8057	277	22	micro	micro	ADJ
easat-8057	277	23	and	and	CCONJ
easat-8057	277	24	small	small	ADJ
easat-8057	277	25	enterprises	enterprise	NOUN
easat-8057	277	26	:	:	PUNCT
easat-8057	277	27	evidence	evidence	NOUN
easat-8057	277	28	from	from	ADP
easat-8057	277	29	china	china	PROPN
easat-8057	277	30	,	,	PUNCT
easat-8057	277	31	"	"	PUNCT
easat-8057	277	32	china	china	PROPN
easat-8057	277	33	economic	economic	PROPN
easat-8057	277	34	review	review	PROPN
easat-8057	277	35	,	,	PUNCT
easat-8057	277	36	vol	vol	NOUN
easat-8057	277	37	.	.	PROPN
easat-8057	278	1	75	75	NUM
easat-8057	278	2	,	,	PUNCT
easat-8057	278	3	oct	oct	NOUN
easat-8057	278	4	2022	2022	NUM
easat-8057	278	5	,	,	PUNCT
easat-8057	278	6	art	art	NOUN
easat-8057	278	7	no	no	NOUN
easat-8057	278	8	.	.	NOUN
easat-8057	278	9	101846	101846	NUM
easat-8057	278	10	.	.	PUNCT
easat-8057	279	1	https://doi.org/10.1016/j.chieco.2022.101846	https://doi.org/10.1016/j.chieco.2022.101846	NOUN
easat-8057	279	2	[	[	X
easat-8057	279	3	32	32	NUM
easat-8057	279	4	]	]	PUNCT
easat-8057	279	5	a.	a.	PROPN
easat-8057	279	6	sutherland	sutherland	PROPN
easat-8057	279	7	,	,	PUNCT
easat-8057	279	8	"	"	PUNCT
easat-8057	279	9	does	do	VERB
easat-8057	279	10	credit	credit	NOUN
easat-8057	279	11	reporting	reporting	NOUN
easat-8057	279	12	lead	lead	NOUN
easat-8057	279	13	to	to	ADP
easat-8057	279	14	a	a	DET
easat-8057	279	15	decline	decline	NOUN
easat-8057	279	16	in	in	ADP
easat-8057	279	17	relationship	relationship	NOUN
easat-8057	279	18	lending	lending	NOUN
easat-8057	279	19	?	?	PUNCT
easat-8057	280	1	evidence	evidence	NOUN
easat-8057	280	2	from	from	ADP
easat-8057	280	3	information	information	NOUN
easat-8057	280	4	sharing	sharing	NOUN
easat-8057	280	5	technology	technology	NOUN
easat-8057	280	6	,	,	PUNCT
easat-8057	280	7	"	"	PUNCT
easat-8057	280	8	journal	journal	NOUN
easat-8057	280	9	of	of	ADP
easat-8057	280	10	accounting	accounting	PROPN
easat-8057	280	11	&	&	CCONJ
easat-8057	280	12	economics	economic	NOUN
easat-8057	280	13	,	,	PUNCT
easat-8057	280	14	article	article	NOUN
easat-8057	280	15	vol	vol	NOUN
easat-8057	280	16	.	.	PROPN
easat-8057	281	1	66	66	NUM
easat-8057	281	2	,	,	PUNCT
easat-8057	281	3	no	no	INTJ
easat-8057	281	4	.	.	NOUN
easat-8057	281	5	1	1	NUM
easat-8057	281	6	,	,	PUNCT
easat-8057	281	7	pp	pp	ADJ
easat-8057	281	8	.	.	PUNCT
easat-8057	282	1	123	123	NUM
easat-8057	282	2	-	-	SYM
easat-8057	282	3	141	141	NUM
easat-8057	282	4	,	,	PUNCT
easat-8057	282	5	aug	aug	PROPN
easat-8057	282	6	2018	2018	NUM
easat-8057	282	7	.	.	PUNCT
easat-8057	283	1	https://doi.org/10.1016/j.jacceco.2018.03.002	https://doi.org/10.1016/j.jacceco.2018.03.002	PRON
easat-8057	284	1	[	[	X
easat-8057	284	2	33	33	NUM
easat-8057	284	3	]	]	PUNCT
easat-8057	284	4	t.	t.	PROPN
easat-8057	284	5	berg	berg	PROPN
easat-8057	284	6	,	,	PUNCT
easat-8057	284	7	v.	v.	ADP
easat-8057	284	8	burg	burg	PROPN
easat-8057	284	9	,	,	PUNCT
easat-8057	284	10	a.	a.	NOUN
easat-8057	284	11	gombovic	gombovic	ADJ
easat-8057	284	12	,	,	PUNCT
easat-8057	284	13	and	and	CCONJ
easat-8057	284	14	m.	m.	PROPN
easat-8057	284	15	puri	puri	PROPN
easat-8057	284	16	,	,	PUNCT
easat-8057	284	17	"	"	PUNCT
easat-8057	284	18	on	on	ADP
easat-8057	284	19	the	the	DET
easat-8057	284	20	rise	rise	NOUN
easat-8057	284	21	of	of	ADP
easat-8057	284	22	fintechs	fintech	NOUN
easat-8057	284	23	:	:	PUNCT
easat-8057	284	24	credit	credit	NOUN
easat-8057	284	25	scoring	scoring	NOUN
easat-8057	284	26	using	use	VERB
easat-8057	284	27	digital	digital	ADJ
easat-8057	284	28	footprints	footprint	NOUN
easat-8057	284	29	,	,	PUNCT
easat-8057	284	30	"	"	PUNCT
easat-8057	284	31	review	review	NOUN
easat-8057	284	32	of	of	ADP
easat-8057	284	33	financial	financial	ADJ
easat-8057	284	34	studies	study	NOUN
easat-8057	284	35	,	,	PUNCT
easat-8057	284	36	article	article	NOUN
easat-8057	284	37	vol	vol	NOUN
easat-8057	284	38	.	.	PROPN
easat-8057	285	1	33	33	NUM
easat-8057	285	2	,	,	PUNCT
easat-8057	285	3	no	no	INTJ
easat-8057	285	4	.	.	NOUN
easat-8057	285	5	7	7	NUM
easat-8057	285	6	,	,	PUNCT
easat-8057	285	7	pp	pp	ADJ
easat-8057	285	8	.	.	PUNCT
easat-8057	286	1	2845	2845	NUM
easat-8057	286	2	-	-	SYM
easat-8057	286	3	2897	2897	NUM
easat-8057	286	4	,	,	PUNCT
easat-8057	286	5	jul	jul	PROPN
easat-8057	286	6	2020	2020	NUM
easat-8057	286	7	.	.	PUNCT
easat-8057	287	1	https://doi.org/10.1093/rfs/hhz099	https://doi.org/10.1093/rfs/hhz099	PROPN
easat-8057	287	2	[	[	PUNCT
easat-8057	287	3	34	34	NUM
easat-8057	287	4	]	]	X
easat-8057	287	5	j.	j.	PROPN
easat-8057	287	6	jagtiani	jagtiani	PROPN
easat-8057	287	7	and	and	CCONJ
easat-8057	287	8	c.	c.	PROPN
easat-8057	287	9	lemieux	lemieux	PROPN
easat-8057	287	10	,	,	PUNCT
easat-8057	287	11	"	"	PUNCT
easat-8057	287	12	do	do	AUX
easat-8057	287	13	fintech	fintech	NOUN
easat-8057	287	14	lenders	lender	NOUN
easat-8057	287	15	penetrate	penetrate	VERB
easat-8057	287	16	areas	area	NOUN
easat-8057	287	17	that	that	PRON
easat-8057	287	18	are	be	AUX
easat-8057	287	19	underserved	underserved	ADJ
easat-8057	287	20	by	by	ADP
easat-8057	287	21	traditional	traditional	ADJ
easat-8057	287	22	banks	bank	NOUN
easat-8057	287	23	?	?	PUNCT
easat-8057	287	24	,	,	PUNCT
easat-8057	287	25	"	"	PUNCT
easat-8057	287	26	journal	journal	NOUN
easat-8057	287	27	of	of	ADP
easat-8057	287	28	economics	economic	NOUN
easat-8057	287	29	and	and	CCONJ
easat-8057	287	30	business	business	NOUN
easat-8057	287	31	,	,	PUNCT
easat-8057	287	32	article	article	NOUN
easat-8057	287	33	vol	vol	NOUN
easat-8057	287	34	.	.	PROPN
easat-8057	287	35	100	100	NUM
easat-8057	287	36	,	,	PUNCT
easat-8057	287	37	pp	pp	ADJ
easat-8057	287	38	.	.	PUNCT
easat-8057	288	1	43	43	NUM
easat-8057	288	2	-	-	SYM
easat-8057	288	3	54	54	NUM
easat-8057	288	4	,	,	PUNCT
easat-8057	288	5	nov	nov	PROPN
easat-8057	288	6	-	-	NOUN
easat-8057	288	7	dec	dec	PROPN
easat-8057	288	8	2018	2018	NUM
easat-8057	288	9	.	.	PUNCT
easat-8057	289	1	https://doi.org/10.1016/j.jeconbus.2018.03.001	https://doi.org/10.1016/j.jeconbus.2018.03.001	X
easat-8057	289	2	[	[	X
easat-8057	289	3	35	35	NUM
easat-8057	289	4	]	]	PUNCT
easat-8057	289	5	t.	t.	PROPN
easat-8057	289	6	sheng	sheng	PROPN
easat-8057	289	7	,	,	PUNCT
easat-8057	289	8	"	"	PUNCT
easat-8057	289	9	the	the	DET
easat-8057	289	10	effect	effect	NOUN
easat-8057	289	11	of	of	ADP
easat-8057	289	12	fintech	fintech	NOUN
easat-8057	289	13	on	on	ADP
easat-8057	289	14	banks	bank	NOUN
easat-8057	289	15	'	'	PART
easat-8057	289	16	credit	credit	NOUN
easat-8057	289	17	provision	provision	NOUN
easat-8057	289	18	to	to	ADP
easat-8057	289	19	smes	sme	NOUN
easat-8057	289	20	:	:	PUNCT
easat-8057	289	21	evidence	evidence	NOUN
easat-8057	289	22	from	from	ADP
easat-8057	289	23	china	china	PROPN
easat-8057	289	24	,	,	PUNCT
easat-8057	289	25	"	"	PUNCT
easat-8057	289	26	finance	finance	NOUN
easat-8057	289	27	research	research	NOUN
easat-8057	289	28	letters	letter	NOUN
easat-8057	289	29	,	,	PUNCT
easat-8057	289	30	article	article	NOUN
easat-8057	289	31	vol	vol	NOUN
easat-8057	289	32	.	.	PROPN
easat-8057	289	33	39	39	NUM
easat-8057	289	34	,	,	PUNCT
easat-8057	289	35	p.	p.	NOUN
easat-8057	289	36	101558	101558	NUM
easat-8057	289	37	,	,	PUNCT
easat-8057	289	38	mar	mar	PROPN
easat-8057	289	39	2021	2021	NUM
easat-8057	289	40	,	,	PUNCT
easat-8057	289	41	art	art	NOUN
easat-8057	289	42	no	no	NOUN
easat-8057	289	43	.	.	PROPN
easat-8057	289	44	101558	101558	NUM
easat-8057	289	45	.	.	PUNCT
easat-8057	289	46	https://doi.org/10.1016/j.frl.2020.101558	https://doi.org/10.1016/j.frl.2020.101558	PUNCT
easat-8057	290	1	[	[	X
easat-8057	290	2	36	36	NUM
easat-8057	290	3	]	]	PUNCT
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easat-8057	291	1	evidence	evidence	NOUN
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easat-8057	291	11	,	,	PUNCT
easat-8057	291	12	article	article	NOUN
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easat-8057	291	14	.	.	PROPN
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easat-8057	291	16	,	,	PUNCT
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easat-8057	291	19	,	,	PUNCT
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easat-8057	291	22	,	,	PUNCT
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easat-8057	291	25	.	.	PROPN
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easat-8057	293	3	]	]	PUNCT
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easat-8057	293	11	y.	y.	PROPN
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easat-8057	293	21	?	?	PUNCT
easat-8057	293	22	,	,	PUNCT
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easat-8057	293	27	,	,	PUNCT
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easat-8057	293	30	.	.	PUNCT
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easat-8057	294	5	,	,	PUNCT
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easat-8057	294	8	,	,	PUNCT
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easat-8057	294	11	.	.	PUNCT
easat-8057	294	12	103830	103830	NUM
easat-8057	294	13	.	.	PUNCT
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easat-8057	296	3	]	]	PUNCT
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easat-8057	296	40	,	,	PUNCT
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easat-8057	296	43	,	,	PUNCT
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easat-8057	296	48	.	.	PUNCT
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easat-8057	299	5	,	,	PUNCT
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easat-8057	299	13	.	.	PUNCT
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easat-8057	300	4	]	]	PUNCT
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easat-8057	300	10	,	,	PUNCT
easat-8057	300	11	y.	y.	PROPN
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easat-8057	300	13	,	,	PUNCT
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easat-8057	300	26	finance	finance	NOUN
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easat-8057	300	28	letters	letter	NOUN
easat-8057	300	29	,	,	PUNCT
easat-8057	300	30	article	article	NOUN
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easat-8057	300	37	,	,	PUNCT
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easat-8057	300	40	,	,	PUNCT
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easat-8057	300	43	.	.	PROPN
easat-8057	300	44	103426	103426	NUM
easat-8057	300	45	.	.	PUNCT
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easat-8057	310	35	management	management	NOUN
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easat-8057	310	37	,	,	PUNCT
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easat-8057	311	6	,	,	PUNCT
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easat-8057	311	8	.	.	PUNCT
easat-8057	312	1	2226	2226	NUM
easat-8057	312	2	-	-	SYM
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easat-8057	312	4	,	,	PUNCT
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easat-8057	312	7	.	.	PUNCT
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easat-8057	316	5	6	6	NUM
easat-8057	316	6	:	:	SYM
easat-8057	316	7	1160	1160	NUM
easat-8057	316	8	-	-	SYM
easat-8057	316	9	1171	1171	NUM
easat-8057	316	10	,	,	PUNCT
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easat-8057	316	13	:	:	PUNCT
easat-8057	316	14	10.55214/25768484.v9i6.8057	10.55214/25768484.v9i6.8057	NUM
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easat-8057	317	2	45	45	NUM
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easat-8057	317	8	s.	s.	PROPN
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easat-8057	317	12	n.	n.	PROPN
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easat-8057	317	14	,	,	PUNCT
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easat-8057	317	23	"	"	PUNCT
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easat-8057	317	28	management	management	NOUN
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easat-8057	317	30	,	,	PUNCT
easat-8057	317	31	article	article	NOUN
easat-8057	317	32	vol	vol	NOUN
easat-8057	317	33	.	.	PROPN
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easat-8057	317	35	,	,	PUNCT
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easat-8057	317	39	,	,	PUNCT
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easat-8057	317	41	.	.	PUNCT
easat-8057	317	42	212	212	NUM
easat-8057	317	43	-	-	SYM
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easat-8057	317	45	,	,	PUNCT
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easat-8057	317	47	5	5	NUM
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easat-8057	317	49	.	.	PUNCT
easat-8057	318	1	https://doi.org/10.1108/jamr-12-2017-0125	https://doi.org/10.1108/jamr-12-2017-0125	NOUN
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easat-8057	319	2	46	46	NUM
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easat-8057	319	16	m.	m.	PROPN
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easat-8057	319	31	the	the	DET
easat-8057	319	32	results	result	NOUN
easat-8057	319	33	?	?	PUNCT
easat-8057	319	34	,	,	PUNCT
easat-8057	319	35	"	"	PUNCT
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easat-8057	319	43	.	.	PROPN
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easat-8057	320	2	,	,	PUNCT
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easat-8057	320	5	2	2	NUM
easat-8057	320	6	,	,	PUNCT
easat-8057	320	7	pp	pp	ADJ
easat-8057	320	8	.	.	PUNCT
easat-8057	321	1	93	93	NUM
easat-8057	321	2	-	-	SYM
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easat-8057	321	4	,	,	PUNCT
easat-8057	321	5	2020	2020	NUM
easat-8057	321	6	2020	2020	NUM
easat-8057	321	7	.	.	PUNCT
easat-8057	322	1	https://doi.org/10.14254/1800-5845/2020.16-2.7	https://doi.org/10.14254/1800-5845/2020.16-2.7	PROPN
easat-8057	323	1	[	[	X
easat-8057	323	2	47	47	NUM
easat-8057	323	3	]	]	PUNCT
easat-8057	323	4	a.	a.	NOUN
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easat-8057	323	6	,	,	PUNCT
easat-8057	323	7	"	"	PUNCT
easat-8057	323	8	capital	capital	NOUN
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easat-8057	323	10	,	,	PUNCT
easat-8057	323	11	voluntary	voluntary	ADJ
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easat-8057	325	2	-	-	SYM
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easat-8057	325	4	,	,	PUNCT
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easat-8057	325	7	.	.	PUNCT
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easat-8057	326	30	management	management	NOUN
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easat-8057	326	32	property	property	NOUN
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easat-8057	326	35	,	,	PUNCT
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easat-8057	326	43	,	,	PUNCT
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easat-8057	326	45	.	.	PUNCT
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easat-8057	326	47	-	-	SYM
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easat-8057	328	41	management	management	NOUN
easat-8057	328	42	,	,	PUNCT
easat-8057	328	43	article	article	NOUN
easat-8057	328	44	vol	vol	NOUN
easat-8057	328	45	.	.	PROPN
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easat-8057	328	62	.	.	PUNCT
easat-8057	329	1	https://doi.org/10.3390/jrfm15020055	https://doi.org/10.3390/jrfm15020055	PROPN
easat-8057	330	1	[	[	X
easat-8057	330	2	50	50	NUM
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easat-8057	330	4	e.	e.	PROPN
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easat-8057	330	9	,	,	PUNCT
easat-8057	330	10	m.	m.	PROPN
easat-8057	330	11	s.	s.	PROPN
easat-8057	330	12	r.	r.	PROPN
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easat-8057	330	16	n.	n.	PROPN
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easat-8057	330	18	,	,	PUNCT
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easat-8057	330	22	changes	change	NOUN
easat-8057	330	23	in	in	ADP
easat-8057	330	24	earnings	earning	NOUN
easat-8057	330	25	caused	cause	VERB
easat-8057	330	26	by	by	ADP
easat-8057	330	27	mean	mean	NOUN
easat-8057	330	28	reversion	reversion	NOUN
easat-8057	330	29	affect	affect	VERB
easat-8057	330	30	firms	firm	NOUN
easat-8057	330	31	'	'	PART
easat-8057	330	32	refinancing	refinancing	NOUN
easat-8057	330	33	decisions	decision	NOUN
easat-8057	330	34	?	?	PUNCT
easat-8057	330	35	,	,	PUNCT
easat-8057	330	36	"	"	PUNCT
easat-8057	330	37	journal	journal	NOUN
easat-8057	330	38	of	of	ADP
easat-8057	330	39	financial	financial	ADJ
easat-8057	330	40	research	research	NOUN
easat-8057	330	41	,	,	PUNCT
easat-8057	330	42	p.	p.	NOUN
easat-8057	330	43	25	25	NUM
easat-8057	330	44	,	,	PUNCT
easat-8057	330	45	2025	2025	NUM
easat-8057	330	46	jan	jan	NOUN
easat-8057	330	47	2025	2025	NUM
easat-8057	330	48	.	.	PUNCT
easat-8057	331	1	https://doi.org/10.1111/jfir.12452	https://doi.org/10.1111/jfir.12452	NOUN
easat-8057	332	1	[	[	X
easat-8057	332	2	51	51	NUM
easat-8057	332	3	]	]	PUNCT
easat-8057	332	4	m.	m.	NOUN
easat-8057	332	5	pathak	pathak	PROPN
easat-8057	332	6	and	and	CCONJ
easat-8057	332	7	a.	a.	NOUN
easat-8057	332	8	chandani	chandani	PROPN
easat-8057	332	9	,	,	PUNCT
easat-8057	332	10	"	"	PUNCT
easat-8057	332	11	the	the	DET
easat-8057	332	12	nexus	nexus	NOUN
easat-8057	332	13	between	between	ADP
easat-8057	332	14	capital	capital	NOUN
easat-8057	332	15	structure	structure	NOUN
easat-8057	332	16	and	and	CCONJ
easat-8057	332	17	firm	firm	ADJ
easat-8057	332	18	-	-	PUNCT
easat-8057	332	19	specific	specific	ADJ
easat-8057	332	20	factors	factor	NOUN
easat-8057	332	21	:	:	PUNCT
easat-8057	332	22	evidence	evidence	NOUN
easat-8057	332	23	from	from	ADP
easat-8057	332	24	indian	indian	ADJ
easat-8057	332	25	companies	company	NOUN
easat-8057	332	26	,	,	PUNCT
easat-8057	332	27	"	"	PUNCT
easat-8057	332	28	journal	journal	NOUN
easat-8057	332	29	of	of	ADP
easat-8057	332	30	economic	economic	ADJ
easat-8057	332	31	and	and	CCONJ
easat-8057	332	32	administrative	administrative	ADJ
easat-8057	332	33	sciences	science	NOUN
easat-8057	332	34	,	,	PUNCT
easat-8057	332	35	vol	vol	NOUN
easat-8057	332	36	.	.	PROPN
easat-8057	332	37	39	39	NUM
easat-8057	332	38	,	,	PUNCT
easat-8057	332	39	no	no	INTJ
easat-8057	332	40	.	.	NOUN
easat-8057	332	41	2	2	NUM
easat-8057	332	42	,	,	PUNCT
easat-8057	332	43	pp	pp	ADJ
easat-8057	332	44	.	.	PUNCT
easat-8057	333	1	470	470	NUM
easat-8057	333	2	-	-	SYM
easat-8057	333	3	487	487	NUM
easat-8057	333	4	,	,	PUNCT
easat-8057	333	5	2023	2023	NUM
easat-8057	333	6	.	.	PUNCT
easat-8057	334	1	https://doi.org/10.1108/jeas-02-2021-0028	https://doi.org/10.1108/jeas-02-2021-0028	PROPN
easat-8057	334	2	[	[	X
easat-8057	334	3	52	52	NUM
easat-8057	334	4	]	]	PUNCT
easat-8057	334	5	a.	a.	NOUN
easat-8057	334	6	moradi	moradi	NOUN
easat-8057	334	7	and	and	CCONJ
easat-8057	334	8	e.	e.	PROPN
easat-8057	334	9	paulet	paulet	PROPN
easat-8057	334	10	,	,	PUNCT
easat-8057	334	11	"	"	PUNCT
easat-8057	334	12	the	the	DET
easat-8057	334	13	firm	firm	ADJ
easat-8057	334	14	-	-	PUNCT
easat-8057	334	15	specific	specific	ADJ
easat-8057	334	16	determinants	determinant	NOUN
easat-8057	334	17	of	of	ADP
easat-8057	334	18	capital	capital	NOUN
easat-8057	334	19	structure	structure	NOUN
easat-8057	334	20	an	an	DET
easat-8057	334	21	empirical	empirical	ADJ
easat-8057	334	22	analysis	analysis	NOUN
easat-8057	334	23	of	of	ADP
easat-8057	334	24	firms	firm	NOUN
easat-8057	334	25	before	before	ADP
easat-8057	334	26	and	and	CCONJ
easat-8057	334	27	during	during	ADP
easat-8057	334	28	the	the	DET
easat-8057	334	29	euro	euro	NOUN
easat-8057	334	30	crisis	crisis	NOUN
easat-8057	334	31	,	,	PUNCT
easat-8057	334	32	"	"	PUNCT
easat-8057	334	33	research	research	NOUN
easat-8057	334	34	in	in	ADP
easat-8057	334	35	international	international	ADJ
easat-8057	334	36	business	business	NOUN
easat-8057	334	37	and	and	CCONJ
easat-8057	334	38	finance	finance	NOUN
easat-8057	334	39	,	,	PUNCT
easat-8057	334	40	article	article	NOUN
easat-8057	334	41	vol	vol	NOUN
easat-8057	334	42	.	.	PROPN
easat-8057	335	1	47	47	NUM
easat-8057	335	2	,	,	PUNCT
easat-8057	335	3	pp	pp	ADJ
easat-8057	335	4	.	.	PUNCT
easat-8057	336	1	150	150	NUM
easat-8057	336	2	-	-	SYM
easat-8057	336	3	161	161	NUM
easat-8057	336	4	,	,	PUNCT
easat-8057	336	5	jan	jan	PROPN
easat-8057	336	6	2019	2019	NUM
easat-8057	336	7	.	.	PUNCT
easat-8057	337	1	https://doi.org/10.1016/j.ribaf.2018.07.007	https://doi.org/10.1016/j.ribaf.2018.07.007	PROPN
easat-8057	337	2	[	[	X
easat-8057	337	3	53	53	NUM
easat-8057	337	4	]	]	PUNCT
easat-8057	337	5	l.	l.	PROPN
easat-8057	337	6	czerwonka	czerwonka	PROPN
easat-8057	337	7	and	and	CCONJ
easat-8057	337	8	j.	j.	PROPN
easat-8057	337	9	jaworski	jaworski	PROPN
easat-8057	337	10	,	,	PUNCT
easat-8057	337	11	"	"	PUNCT
easat-8057	337	12	capital	capital	NOUN
easat-8057	337	13	structure	structure	NOUN
easat-8057	337	14	determinants	determinant	NOUN
easat-8057	337	15	of	of	ADP
easat-8057	337	16	small	small	ADJ
easat-8057	337	17	and	and	CCONJ
easat-8057	337	18	medium	medium	ADJ
easat-8057	337	19	-	-	PUNCT
easat-8057	337	20	sized	sized	ADJ
easat-8057	337	21	enterprises	enterprise	NOUN
easat-8057	337	22	:	:	PUNCT
easat-8057	337	23	evidence	evidence	NOUN
easat-8057	337	24	from	from	ADP
easat-8057	337	25	central	central	ADJ
easat-8057	337	26	and	and	CCONJ
easat-8057	337	27	eastern	eastern	ADJ
easat-8057	337	28	europe	europe	PROPN
easat-8057	337	29	,	,	PUNCT
easat-8057	337	30	"	"	PUNCT
easat-8057	337	31	journal	journal	NOUN
easat-8057	337	32	of	of	ADP
easat-8057	337	33	small	small	ADJ
easat-8057	337	34	business	business	NOUN
easat-8057	337	35	and	and	CCONJ
easat-8057	337	36	enterprise	enterprise	NOUN
easat-8057	337	37	development	development	NOUN
easat-8057	337	38	,	,	PUNCT
easat-8057	337	39	vol	vol	NOUN
easat-8057	337	40	.	.	PROPN
easat-8057	337	41	28	28	NUM
easat-8057	337	42	,	,	PUNCT
easat-8057	337	43	no	no	INTJ
easat-8057	337	44	.	.	NOUN
easat-8057	337	45	2	2	NUM
easat-8057	337	46	,	,	PUNCT
easat-8057	337	47	pp	pp	ADJ
easat-8057	337	48	.	.	PUNCT
easat-8057	338	1	277	277	NUM
easat-8057	338	2	-	-	SYM
easat-8057	338	3	297	297	NUM
easat-8057	338	4	,	,	PUNCT
easat-8057	338	5	2021	2021	NUM
easat-8057	338	6	.	.	PUNCT
easat-8057	339	1	https://doi.org/10.1108/jsbed-09-2020-0326	https://doi.org/10.1108/jsbed-09-2020-0326	NOUN
easat-8057	340	1	[	[	X
easat-8057	340	2	54	54	NUM
easat-8057	340	3	]	]	PUNCT
easat-8057	340	4	j.	j.	PROPN
easat-8057	340	5	jermias	jermias	PROPN
easat-8057	340	6	and	and	CCONJ
easat-8057	340	7	f.	f.	PROPN
easat-8057	340	8	yigit	yigit	PROPN
easat-8057	340	9	,	,	PUNCT
easat-8057	340	10	"	"	PUNCT
easat-8057	340	11	factors	factor	NOUN
easat-8057	340	12	affecting	affect	VERB
easat-8057	340	13	leverage	leverage	NOUN
easat-8057	340	14	during	during	ADP
easat-8057	340	15	a	a	DET
easat-8057	340	16	financial	financial	ADJ
easat-8057	340	17	crisis	crisis	NOUN
easat-8057	340	18	:	:	PUNCT
easat-8057	340	19	evidence	evidence	NOUN
easat-8057	340	20	from	from	ADP
easat-8057	340	21	turkey	turkey	NOUN
easat-8057	340	22	,	,	PUNCT
easat-8057	340	23	"	"	PUNCT
easat-8057	340	24	borsa	borsa	PROPN
easat-8057	340	25	istanbul	istanbul	PROPN
easat-8057	340	26	review	review	PROPN
easat-8057	340	27	,	,	PUNCT
easat-8057	340	28	vol	vol	NOUN
easat-8057	340	29	.	.	PROPN
easat-8057	340	30	19	19	NUM
easat-8057	340	31	,	,	PUNCT
easat-8057	340	32	no	no	INTJ
easat-8057	340	33	.	.	NOUN
easat-8057	340	34	2	2	NUM
easat-8057	340	35	,	,	PUNCT
easat-8057	340	36	pp	pp	ADJ
easat-8057	340	37	.	.	PUNCT
easat-8057	341	1	171	171	NUM
easat-8057	341	2	-	-	SYM
easat-8057	341	3	185	185	NUM
easat-8057	341	4	,	,	PUNCT
easat-8057	341	5	jun	jun	PROPN
easat-8057	341	6	2019	2019	NUM
easat-8057	341	7	.	.	PUNCT
easat-8057	342	1	https://doi.org/10.1016/j.bir.2018.07.002	https://doi.org/10.1016/j.bir.2018.07.002	NOUN
easat-8057	343	1	[	[	X
easat-8057	343	2	55	55	NUM
easat-8057	343	3	]	]	PUNCT
easat-8057	343	4	s.	s.	PROPN
easat-8057	343	5	k.	k.	PROPN
easat-8057	343	6	dong	dong	PROPN
easat-8057	343	7	and	and	CCONJ
easat-8057	343	8	y.	y.	PROPN
easat-8057	343	9	x.	x.	PROPN
easat-8057	343	10	jiang	jiang	PROPN
easat-8057	343	11	,	,	PUNCT
easat-8057	343	12	"	"	PUNCT
easat-8057	343	13	determinants	determinant	NOUN
easat-8057	343	14	for	for	ADP
easat-8057	343	15	predicting	predict	VERB
easat-8057	343	16	zero	zero	NUM
easat-8057	343	17	-	-	PUNCT
easat-8057	343	18	leverage	leverage	NOUN
easat-8057	343	19	decisions	decision	NOUN
easat-8057	343	20	:	:	PUNCT
easat-8057	343	21	a	a	DET
easat-8057	343	22	machine	machine	NOUN
easat-8057	343	23	learning	learn	VERB
easat-8057	343	24	approach	approach	NOUN
easat-8057	343	25	,	,	PUNCT
easat-8057	343	26	"	"	PUNCT
easat-8057	343	27	finance	finance	NOUN
easat-8057	343	28	research	research	NOUN
easat-8057	343	29	letters	letter	NOUN
easat-8057	343	30	,	,	PUNCT
easat-8057	343	31	article	article	NOUN
easat-8057	343	32	vol	vol	NOUN
easat-8057	343	33	.	.	PROPN
easat-8057	344	1	71	71	NUM
easat-8057	344	2	,	,	PUNCT
easat-8057	344	3	p.	p.	NOUN
easat-8057	344	4	9	9	NUM
easat-8057	344	5	,	,	PUNCT
easat-8057	344	6	jan	jan	NOUN
easat-8057	344	7	2025	2025	NUM
easat-8057	344	8	,	,	PUNCT
easat-8057	344	9	art	art	NOUN
easat-8057	344	10	no	no	NOUN
easat-8057	344	11	.	.	PROPN
easat-8057	344	12	106316	106316	NUM
easat-8057	344	13	.	.	PUNCT
easat-8057	345	1	https://doi.org/10.1016/j.frl.2024.106316	https://doi.org/10.1016/j.frl.2024.106316	PROPN
easat-8057	346	1	[	[	X
easat-8057	346	2	56	56	NUM
easat-8057	346	3	]	]	X
easat-8057	346	4	j.	j.	PROPN
easat-8057	346	5	m.	m.	PROPN
easat-8057	346	6	pinto	pinto	PROPN
easat-8057	346	7	and	and	CCONJ
easat-8057	346	8	c.	c.	PROPN
easat-8057	346	9	s.	s.	PROPN
easat-8057	346	10	silva	silva	PROPN
easat-8057	346	11	,	,	PUNCT
easat-8057	346	12	"	"	PUNCT
easat-8057	346	13	does	do	AUX
easat-8057	346	14	export	export	NOUN
easat-8057	346	15	intensity	intensity	NOUN
easat-8057	346	16	affect	affect	VERB
easat-8057	346	17	corporate	corporate	ADJ
easat-8057	346	18	leverage	leverage	NOUN
easat-8057	346	19	?	?	PUNCT
easat-8057	347	1	evidence	evidence	NOUN
easat-8057	347	2	from	from	ADP
easat-8057	347	3	portuguese	portuguese	ADJ
easat-8057	347	4	smes	sme	NOUN
easat-8057	347	5	,	,	PUNCT
easat-8057	347	6	"	"	PUNCT
easat-8057	347	7	finance	finance	NOUN
easat-8057	347	8	research	research	NOUN
easat-8057	347	9	letters	letter	NOUN
easat-8057	347	10	,	,	PUNCT
easat-8057	347	11	vol	vol	NOUN
easat-8057	347	12	.	.	PROPN
easat-8057	347	13	38	38	NUM
easat-8057	347	14	,	,	PUNCT
easat-8057	347	15	p.	p.	NOUN
easat-8057	347	16	101418	101418	NUM
easat-8057	347	17	,	,	PUNCT
easat-8057	347	18	2021	2021	NUM
easat-8057	347	19	2021	2021	NUM
easat-8057	347	20	,	,	PUNCT
easat-8057	347	21	art	art	NOUN
easat-8057	347	22	no	no	NOUN
easat-8057	347	23	.	.	PUNCT
easat-8057	347	24	101418	101418	NUM
easat-8057	347	25	.	.	PUNCT
easat-8057	348	1	https://doi.org/10.1016/j.frl.2019.101418	https://doi.org/10.1016/j.frl.2019.101418	PROPN
easat-8057	349	1	[	[	X
easat-8057	349	2	57	57	NUM
easat-8057	349	3	]	]	PUNCT
easat-8057	349	4	r.	r.	PROPN
easat-8057	349	5	haron	haron	PROPN
easat-8057	349	6	,	,	PUNCT
easat-8057	349	7	n.	n.	PROPN
easat-8057	349	8	m.	m.	PROPN
easat-8057	349	9	nomran	nomran	PROPN
easat-8057	349	10	,	,	PUNCT
easat-8057	349	11	a.	a.	PROPN
easat-8057	349	12	h.	h.	PROPN
easat-8057	349	13	abdullah	abdullah	PROPN
easat-8057	349	14	othman	othman	PROPN
easat-8057	349	15	,	,	PUNCT
easat-8057	349	16	m.	m.	PROPN
easat-8057	349	17	md	md	PROPN
easat-8057	349	18	husin	husin	PROPN
easat-8057	349	19	,	,	PUNCT
easat-8057	349	20	and	and	CCONJ
easat-8057	349	21	a.	a.	NOUN
easat-8057	349	22	sharofiddin	sharofiddin	PROPN
easat-8057	349	23	,	,	PUNCT
easat-8057	349	24	"	"	PUNCT
easat-8057	349	25	the	the	DET
easat-8057	349	26	influence	influence	NOUN
easat-8057	349	27	of	of	ADP
easat-8057	349	28	firm	firm	NOUN
easat-8057	349	29	,	,	PUNCT
easat-8057	349	30	industry	industry	NOUN
easat-8057	349	31	and	and	CCONJ
easat-8057	349	32	concentrated	concentrated	ADJ
easat-8057	349	33	ownership	ownership	NOUN
easat-8057	349	34	on	on	ADP
easat-8057	349	35	dynamic	dynamic	ADJ
easat-8057	349	36	capital	capital	NOUN
easat-8057	349	37	structure	structure	NOUN
easat-8057	349	38	decision	decision	NOUN
easat-8057	349	39	in	in	ADP
easat-8057	349	40	emerging	emerge	VERB
easat-8057	349	41	market	market	NOUN
easat-8057	349	42	,	,	PUNCT
easat-8057	349	43	"	"	PUNCT
easat-8057	349	44	journal	journal	NOUN
easat-8057	349	45	of	of	ADP
easat-8057	349	46	asia	asia	PROPN
easat-8057	349	47	business	business	PROPN
easat-8057	349	48	studies	study	NOUN
easat-8057	349	49	,	,	PUNCT
easat-8057	349	50	article	article	NOUN
easat-8057	349	51	vol	vol	NOUN
easat-8057	349	52	.	.	PROPN
easat-8057	350	1	15	15	NUM
easat-8057	350	2	,	,	PUNCT
easat-8057	350	3	no	no	INTJ
easat-8057	350	4	.	.	NOUN
easat-8057	350	5	5	5	NUM
easat-8057	350	6	,	,	PUNCT
easat-8057	350	7	pp	pp	ADJ
easat-8057	350	8	.	.	PUNCT
easat-8057	351	1	689	689	NUM
easat-8057	351	2	-	-	SYM
easat-8057	351	3	709	709	NUM
easat-8057	351	4	,	,	PUNCT
easat-8057	351	5	oct	oct	NOUN
easat-8057	351	6	25	25	NUM
easat-8057	351	7	2021	2021	NUM
easat-8057	351	8	.	.	PUNCT
easat-8057	352	1	https://doi.org/10.1108/jabs-04-2019-0109	https://doi.org/10.1108/jabs-04-2019-0109	ADJ
easat-8057	352	2	[	[	X
easat-8057	352	3	58	58	NUM
easat-8057	352	4	]	]	PUNCT
easat-8057	352	5	m.	m.	NOUN
easat-8057	352	6	hang	hang	PROPN
easat-8057	352	7	,	,	PUNCT
easat-8057	352	8	j.	j.	PROPN
easat-8057	352	9	geyer	geyer	PROPN
easat-8057	352	10	-	-	PUNCT
easat-8057	352	11	klingeberg	klingeberg	PROPN
easat-8057	352	12	,	,	PUNCT
easat-8057	352	13	a.	a.	PROPN
easat-8057	352	14	w.	w.	PROPN
easat-8057	352	15	rathgeber	rathgeber	PROPN
easat-8057	352	16	,	,	PUNCT
easat-8057	352	17	and	and	CCONJ
easat-8057	352	18	s.	s.	PROPN
easat-8057	352	19	stöckl	stöckl	PROPN
easat-8057	352	20	,	,	PUNCT
easat-8057	352	21	"	"	PUNCT
easat-8057	352	22	measurement	measurement	NOUN
easat-8057	352	23	matters	matter	NOUN
easat-8057	352	24	-	-	PUNCT
easat-8057	352	25	a	a	DET
easat-8057	352	26	meta	meta	NOUN
easat-8057	352	27	-	-	PUNCT
easat-8057	352	28	study	study	NOUN
easat-8057	352	29	of	of	ADP
easat-8057	352	30	the	the	DET
easat-8057	352	31	determinants	determinant	NOUN
easat-8057	352	32	of	of	ADP
easat-8057	352	33	corporate	corporate	ADJ
easat-8057	352	34	capital	capital	NOUN
easat-8057	352	35	structure	structure	NOUN
easat-8057	352	36	,	,	PUNCT
easat-8057	352	37	"	"	PUNCT
easat-8057	352	38	quarterly	quarterly	ADJ
easat-8057	352	39	review	review	NOUN
easat-8057	352	40	of	of	ADP
easat-8057	352	41	economics	economic	NOUN
easat-8057	352	42	and	and	CCONJ
easat-8057	352	43	finance	finance	NOUN
easat-8057	352	44	,	,	PUNCT
easat-8057	352	45	vol	vol	NOUN
easat-8057	352	46	.	.	PROPN
easat-8057	352	47	68	68	NUM
easat-8057	352	48	,	,	PUNCT
easat-8057	352	49	pp	pp	ADJ
easat-8057	352	50	.	.	PUNCT
easat-8057	353	1	211	211	NUM
easat-8057	353	2	-	-	SYM
easat-8057	353	3	225	225	NUM
easat-8057	353	4	,	,	PUNCT
easat-8057	353	5	may	may	PROPN
easat-8057	353	6	2018	2018	NUM
easat-8057	353	7	.	.	PUNCT
easat-8057	354	1	https://doi.org/10.1016/j.qref.2017.11.011	https://doi.org/10.1016/j.qref.2017.11.011	NOUN
easat-8057	354	2	[	[	X
easat-8057	354	3	59	59	NUM
easat-8057	354	4	]	]	PUNCT
easat-8057	354	5	v.	v.	X
easat-8057	354	6	d.	d.	PROPN
easat-8057	354	7	nguyen	nguyen	PROPN
easat-8057	354	8	and	and	CCONJ
easat-8057	354	9	q.	q.	PROPN
easat-8057	354	10	n.	n.	PROPN
easat-8057	354	11	duong	duong	PROPN
easat-8057	354	12	,	,	PUNCT
easat-8057	354	13	"	"	PUNCT
easat-8057	354	14	the	the	DET
easat-8057	354	15	impact	impact	NOUN
easat-8057	354	16	of	of	ADP
easat-8057	354	17	foreign	foreign	ADJ
easat-8057	354	18	ownership	ownership	NOUN
easat-8057	354	19	on	on	ADP
easat-8057	354	20	capital	capital	NOUN
easat-8057	354	21	structure	structure	NOUN
easat-8057	354	22	:	:	PUNCT
easat-8057	354	23	empirical	empirical	ADJ
easat-8057	354	24	evidence	evidence	NOUN
easat-8057	354	25	from	from	ADP
easat-8057	354	26	listed	list	VERB
easat-8057	354	27	firms	firm	NOUN
easat-8057	354	28	in	in	ADP
easat-8057	354	29	vietnam	vietnam	PROPN
easat-8057	354	30	,	,	PUNCT
easat-8057	354	31	"	"	PUNCT
easat-8057	354	32	journal	journal	NOUN
easat-8057	354	33	of	of	ADP
easat-8057	354	34	asian	asian	ADJ
easat-8057	354	35	finance	finance	NOUN
easat-8057	354	36	economics	economic	NOUN
easat-8057	354	37	and	and	CCONJ
easat-8057	354	38	business	business	NOUN
easat-8057	354	39	,	,	PUNCT
easat-8057	354	40	vol	vol	NOUN
easat-8057	354	41	.	.	PROPN
easat-8057	354	42	9	9	NUM
easat-8057	354	43	,	,	PUNCT
easat-8057	354	44	no	no	INTJ
easat-8057	354	45	.	.	NOUN
easat-8057	354	46	2	2	NUM
easat-8057	354	47	,	,	PUNCT
easat-8057	354	48	pp	pp	ADJ
easat-8057	354	49	.	.	PUNCT
easat-8057	355	1	363	363	NUM
easat-8057	355	2	-	-	SYM
easat-8057	355	3	370	370	NUM
easat-8057	355	4	,	,	PUNCT
easat-8057	355	5	feb	feb	NOUN
easat-8057	355	6	2022	2022	NUM
easat-8057	355	7	.	.	PUNCT
easat-8057	356	1	https://doi.org/10.13106/jafeb.2022.vol9.no2.0363	https://doi.org/10.13106/jafeb.2022.vol9.no2.0363	PUNCT
easat-8057	357	1	[	[	X
easat-8057	357	2	60	60	NUM
easat-8057	357	3	]	]	X
easat-8057	357	4	b.	b.	PROPN
easat-8057	357	5	t.	t.	PROPN
easat-8057	357	6	matemilola	matemilola	PROPN
easat-8057	357	7	,	,	PUNCT
easat-8057	357	8	p.	p.	PROPN
easat-8057	357	9	kijkasiwat	kijkasiwat	PROPN
easat-8057	357	10	,	,	PUNCT
easat-8057	357	11	and	and	CCONJ
easat-8057	357	12	c.	c.	PROPN
easat-8057	357	13	y.	y.	PROPN
easat-8057	357	14	liew	liew	PROPN
easat-8057	357	15	,	,	PUNCT
easat-8057	357	16	"	"	PUNCT
easat-8057	357	17	the	the	DET
easat-8057	357	18	moderating	moderate	VERB
easat-8057	357	19	effect	effect	NOUN
easat-8057	357	20	of	of	ADP
easat-8057	357	21	firm	firm	ADJ
easat-8057	357	22	age	age	NOUN
easat-8057	357	23	on	on	ADP
easat-8057	357	24	capital	capital	NOUN
easat-8057	357	25	structure	structure	NOUN
easat-8057	357	26	choices	choice	NOUN
easat-8057	357	27	:	:	PUNCT
easat-8057	357	28	evidence	evidence	NOUN
easat-8057	357	29	from	from	ADP
easat-8057	357	30	emerging	emerge	VERB
easat-8057	357	31	markets	market	NOUN
easat-8057	357	32	,	,	PUNCT
easat-8057	357	33	"	"	PUNCT
easat-8057	357	34	journal	journal	NOUN
easat-8057	357	35	of	of	ADP
easat-8057	357	36	industrial	industrial	ADJ
easat-8057	357	37	and	and	CCONJ
easat-8057	357	38	business	business	NOUN
easat-8057	357	39	economics	economic	NOUN
easat-8057	357	40	,	,	PUNCT
easat-8057	357	41	p.	p.	NOUN
easat-8057	357	42	23	23	NUM
easat-8057	357	43	,	,	PUNCT
easat-8057	357	44	2024	2024	NUM
easat-8057	357	45	mar	mar	PROPN
easat-8057	357	46	2024	2024	NUM
easat-8057	357	47	.	.	PUNCT
easat-8057	358	1	https://doi.org/10.1007/s40812-024-00299-z	https://doi.org/10.1007/s40812-024-00299-z	PROPN
easat-8057	359	1	[	[	X
easat-8057	359	2	61	61	NUM
easat-8057	359	3	]	]	PUNCT
easat-8057	359	4	a.	a.	NOUN
easat-8057	359	5	y.	y.	PROPN
easat-8057	359	6	h.	h.	PROPN
easat-8057	359	7	saif	saif	PROPN
easat-8057	359	8	-	-	PUNCT
easat-8057	359	9	alyousfi	alyousfi	NOUN
easat-8057	359	10	,	,	PUNCT
easat-8057	359	11	r.	r.	PROPN
easat-8057	359	12	md	md	PROPN
easat-8057	359	13	-	-	PUNCT
easat-8057	359	14	rus	rus	PROPN
easat-8057	359	15	,	,	PUNCT
easat-8057	359	16	k.	k.	PROPN
easat-8057	359	17	n.	n.	PROPN
easat-8057	359	18	taufil	taufil	PROPN
easat-8057	359	19	-	-	PUNCT
easat-8057	359	20	mohd	mohd	PROPN
easat-8057	359	21	,	,	PUNCT
easat-8057	359	22	h.	h.	PROPN
easat-8057	359	23	m.	m.	PROPN
easat-8057	359	24	taib	taib	PROPN
easat-8057	359	25	,	,	PUNCT
easat-8057	359	26	and	and	CCONJ
easat-8057	359	27	h.	h.	PROPN
easat-8057	359	28	k.	k.	PROPN
easat-8057	359	29	shahar	shahar	PROPN
easat-8057	359	30	,	,	PUNCT
easat-8057	359	31	"	"	PUNCT
easat-8057	359	32	determinants	determinant	NOUN
easat-8057	359	33	of	of	ADP
easat-8057	359	34	capital	capital	NOUN
easat-8057	359	35	structure	structure	NOUN
easat-8057	359	36	:	:	PUNCT
easat-8057	359	37	evidence	evidence	NOUN
easat-8057	359	38	from	from	ADP
easat-8057	359	39	malaysian	malaysian	ADJ
easat-8057	359	40	firms	firm	NOUN
easat-8057	359	41	,	,	PUNCT
easat-8057	359	42	"	"	PUNCT
easat-8057	359	43	asia	asia	PROPN
easat-8057	359	44	-	-	PUNCT
easat-8057	359	45	pacific	pacific	PROPN
easat-8057	359	46	journal	journal	PROPN
easat-8057	359	47	of	of	ADP
easat-8057	359	48	business	business	PROPN
easat-8057	359	49	administration	administration	NOUN
easat-8057	359	50	,	,	PUNCT
easat-8057	359	51	article	article	NOUN
easat-8057	359	52	vol	vol	NOUN
easat-8057	359	53	.	.	PROPN
easat-8057	359	54	12	12	NUM
easat-8057	359	55	,	,	PUNCT
easat-8057	359	56	no	no	INTJ
easat-8057	359	57	.	.	NOUN
easat-8057	359	58	3	3	NUM
easat-8057	359	59	-	-	SYM
easat-8057	359	60	4	4	NUM
easat-8057	359	61	,	,	PUNCT
easat-8057	359	62	pp	pp	ADJ
easat-8057	359	63	.	.	PUNCT
easat-8057	360	1	283	283	NUM
easat-8057	360	2	-	-	SYM
easat-8057	360	3	326	326	NUM
easat-8057	360	4	,	,	PUNCT
easat-8057	360	5	aug	aug	PROPN
easat-8057	360	6	3	3	NUM
easat-8057	360	7	2020	2020	NUM
easat-8057	360	8	.	.	PUNCT
easat-8057	361	1	https://doi.org/10.1108/apjba-09-2019-0202	https://doi.org/10.1108/apjba-09-2019-0202	PROPN
easat-8057	362	1	[	[	X
easat-8057	362	2	62	62	NUM
easat-8057	362	3	]	]	PUNCT
easat-8057	362	4	s.	s.	PROPN
easat-8057	362	5	dakua	dakua	PROPN
easat-8057	362	6	,	,	PUNCT
easat-8057	362	7	"	"	PUNCT
easat-8057	362	8	effect	effect	NOUN
easat-8057	362	9	of	of	ADP
easat-8057	362	10	determinants	determinant	NOUN
easat-8057	362	11	on	on	ADP
easat-8057	362	12	financial	financial	ADJ
easat-8057	362	13	leverage	leverage	NOUN
easat-8057	362	14	in	in	ADP
easat-8057	362	15	indian	indian	ADJ
easat-8057	362	16	steel	steel	NOUN
easat-8057	362	17	industry	industry	NOUN
easat-8057	362	18	:	:	PUNCT
easat-8057	362	19	a	a	DET
easat-8057	362	20	study	study	NOUN
easat-8057	362	21	on	on	ADP
easat-8057	362	22	capital	capital	NOUN
easat-8057	362	23	structure	structure	NOUN
easat-8057	362	24	,	,	PUNCT
easat-8057	362	25	"	"	PUNCT
easat-8057	362	26	international	international	ADJ
easat-8057	362	27	journal	journal	NOUN
easat-8057	362	28	of	of	ADP
easat-8057	362	29	finance	finance	PROPN
easat-8057	362	30	&	&	CCONJ
easat-8057	362	31	economics	economic	NOUN
easat-8057	362	32	,	,	PUNCT
easat-8057	362	33	vol	vol	NOUN
easat-8057	362	34	.	.	PROPN
easat-8057	362	35	24	24	NUM
easat-8057	362	36	,	,	PUNCT
easat-8057	362	37	no	no	INTJ
easat-8057	362	38	.	.	NOUN
easat-8057	362	39	1	1	NUM
easat-8057	362	40	,	,	PUNCT
easat-8057	362	41	pp	pp	ADJ
easat-8057	362	42	.	.	PUNCT
easat-8057	363	1	427	427	NUM
easat-8057	363	2	-	-	SYM
easat-8057	363	3	436	436	NUM
easat-8057	363	4	,	,	PUNCT
easat-8057	363	5	jan	jan	PROPN
easat-8057	363	6	2019	2019	NUM
easat-8057	363	7	.	.	PUNCT
easat-8057	364	1	https://doi.org/10.1002/ijfe.1671	https://doi.org/10.1002/ijfe.1671	PUNCT
easat-8057	365	1	[	[	X
easat-8057	365	2	63	63	NUM
easat-8057	365	3	]	]	PUNCT
easat-8057	365	4	s.	s.	PROPN
easat-8057	365	5	khan	khan	PROPN
easat-8057	365	6	,	,	PUNCT
easat-8057	365	7	t.	t.	NOUN
easat-8057	365	8	akhtar	akhtar	PROPN
easat-8057	365	9	,	,	PUNCT
easat-8057	365	10	and	and	CCONJ
easat-8057	365	11	a.	a.	NOUN
easat-8057	365	12	qasem	qasem	PROPN
easat-8057	365	13	,	,	PUNCT
easat-8057	365	14	"	"	PUNCT
easat-8057	365	15	dynamics	dynamic	NOUN
easat-8057	365	16	of	of	ADP
easat-8057	365	17	capital	capital	NOUN
easat-8057	365	18	structure	structure	NOUN
easat-8057	365	19	determinants	determinant	NOUN
easat-8057	365	20	:	:	PUNCT
easat-8057	365	21	empirical	empirical	ADJ
easat-8057	365	22	evidence	evidence	NOUN
easat-8057	365	23	from	from	ADP
easat-8057	365	24	gcc	gcc	NOUN
easat-8057	365	25	countries	country	NOUN
easat-8057	365	26	,	,	PUNCT
easat-8057	365	27	"	"	PUNCT
easat-8057	365	28	future	future	ADJ
easat-8057	365	29	business	business	NOUN
easat-8057	365	30	journal	journal	NOUN
easat-8057	365	31	,	,	PUNCT
easat-8057	365	32	article	article	NOUN
easat-8057	365	33	vol	vol	NOUN
easat-8057	365	34	.	.	PROPN
easat-8057	365	35	10	10	NUM
easat-8057	365	36	,	,	PUNCT
easat-8057	365	37	no	no	INTJ
easat-8057	365	38	.	.	NOUN
easat-8057	365	39	1	1	NUM
easat-8057	365	40	,	,	PUNCT
easat-8057	365	41	p.	p.	NOUN
easat-8057	365	42	18	18	NUM
easat-8057	365	43	,	,	PUNCT
easat-8057	365	44	oct	oct	NOUN
easat-8057	365	45	2024	2024	NUM
easat-8057	365	46	,	,	PUNCT
easat-8057	365	47	art	art	NOUN
easat-8057	365	48	no	no	NOUN
easat-8057	365	49	.	.	PUNCT
easat-8057	365	50	107	107	NUM
easat-8057	365	51	.	.	PUNCT
easat-8057	365	52	https://doi.org/10.1186/s43093-024-00394-6	https://doi.org/10.1186/s43093-024-00394-6	NUM
easat-8057	366	1	[	[	X
easat-8057	366	2	64	64	NUM
easat-8057	366	3	]	]	PUNCT
easat-8057	366	4	t.	t.	PROPN
easat-8057	366	5	lyubov	lyubov	PROPN
easat-8057	366	6	and	and	CCONJ
easat-8057	366	7	a.	a.	NOUN
easat-8057	366	8	heshmati	heshmati	PROPN
easat-8057	366	9	,	,	PUNCT
easat-8057	366	10	"	"	PUNCT
easat-8057	366	11	impact	impact	NOUN
easat-8057	366	12	of	of	ADP
easat-8057	366	13	financial	financial	ADJ
easat-8057	366	14	crises	crisis	NOUN
easat-8057	366	15	on	on	ADP
easat-8057	366	16	the	the	DET
easat-8057	366	17	dynamics	dynamic	NOUN
easat-8057	366	18	of	of	ADP
easat-8057	366	19	capital	capital	NOUN
easat-8057	366	20	structure	structure	NOUN
easat-8057	366	21	:	:	PUNCT
easat-8057	366	22	evidence	evidence	NOUN
easat-8057	366	23	from	from	ADP
easat-8057	366	24	korean	korean	ADJ
easat-8057	366	25	listed	list	VERB
easat-8057	366	26	companies	company	NOUN
easat-8057	366	27	,	,	PUNCT
easat-8057	366	28	"	"	PUNCT
easat-8057	366	29	singapore	singapore	PROPN
easat-8057	366	30	economic	economic	PROPN
easat-8057	366	31	review	review	PROPN
easat-8057	366	32	,	,	PUNCT
easat-8057	366	33	vol	vol	NOUN
easat-8057	366	34	.	.	PROPN
easat-8057	367	1	68	68	NUM
easat-8057	367	2	,	,	PUNCT
easat-8057	367	3	no	no	INTJ
easat-8057	367	4	.	.	NOUN
easat-8057	367	5	03	03	NUM
easat-8057	367	6	,	,	PUNCT
easat-8057	368	1	pp	pp	ADJ
easat-8057	368	2	.	.	PUNCT
easat-8057	369	1	867	867	NUM
easat-8057	369	2	-	-	SYM
easat-8057	369	3	898	898	NUM
easat-8057	369	4	,	,	PUNCT
easat-8057	369	5	jun	jun	PROPN
easat-8057	369	6	2023	2023	NUM
easat-8057	369	7	.	.	PUNCT
easat-8057	370	1	https://doi.org/10.1142/s0217590819500498	https://doi.org/10.1142/s0217590819500498	PRON
easat-8057	370	2	[	[	X
easat-8057	370	3	65	65	NUM
easat-8057	370	4	]	]	X
easat-8057	370	5	m.	m.	PROPN
easat-8057	370	6	kedzior	kedzior	PROPN
easat-8057	370	7	,	,	PUNCT
easat-8057	370	8	b.	b.	PROPN
easat-8057	370	9	grabinska	grabinska	PROPN
easat-8057	370	10	,	,	PUNCT
easat-8057	370	11	k.	k.	PROPN
easat-8057	370	12	grabinski	grabinski	PROPN
easat-8057	370	13	,	,	PUNCT
easat-8057	370	14	and	and	CCONJ
easat-8057	370	15	d.	d.	PROPN
easat-8057	370	16	kedzior	kedzior	PROPN
easat-8057	370	17	,	,	PUNCT
easat-8057	370	18	"	"	PUNCT
easat-8057	370	19	capital	capital	NOUN
easat-8057	370	20	structure	structure	NOUN
easat-8057	370	21	choices	choice	NOUN
easat-8057	370	22	in	in	ADP
easat-8057	370	23	technology	technology	NOUN
easat-8057	370	24	firms	firm	NOUN
easat-8057	370	25	:	:	PUNCT
easat-8057	370	26	empirical	empirical	ADJ
easat-8057	370	27	results	result	NOUN
easat-8057	370	28	from	from	ADP
easat-8057	370	29	polish	polish	ADJ
easat-8057	370	30	listed	list	VERB
easat-8057	370	31	companies	company	NOUN
easat-8057	370	32	,	,	PUNCT
easat-8057	370	33	"	"	PUNCT
easat-8057	370	34	journal	journal	NOUN
easat-8057	370	35	of	of	ADP
easat-8057	370	36	risk	risk	NOUN
easat-8057	370	37	and	and	CCONJ
easat-8057	370	38	financial	financial	ADJ
easat-8057	370	39	management	management	NOUN
easat-8057	370	40	,	,	PUNCT
easat-8057	370	41	vol	vol	NOUN
easat-8057	370	42	.	.	PROPN
easat-8057	370	43	13	13	NUM
easat-8057	370	44	,	,	PUNCT
easat-8057	370	45	no	no	INTJ
easat-8057	370	46	.	.	NOUN
easat-8057	370	47	9	9	NUM
easat-8057	370	48	,	,	PUNCT
easat-8057	370	49	p.	p.	NOUN
easat-8057	370	50	221	221	NUM
easat-8057	370	51	,	,	PUNCT
easat-8057	370	52	sep	sep	PROPN
easat-8057	370	53	2020	2020	NUM
easat-8057	370	54	,	,	PUNCT
easat-8057	370	55	art	art	NOUN
easat-8057	370	56	no	no	NOUN
easat-8057	370	57	.	.	PUNCT
easat-8057	371	1	221	221	NUM
easat-8057	371	2	.	.	PUNCT
easat-8057	372	1	https://doi.org/10.3390/jrfm13090221	https://doi.org/10.3390/jrfm13090221	NOUN
easat-8057	372	2	[	[	X
easat-8057	372	3	66	66	NUM
easat-8057	372	4	]	]	PUNCT
easat-8057	372	5	h.	h.	PROPN
easat-8057	372	6	a.	a.	PROPN
easat-8057	372	7	boshnak	boshnak	PROPN
easat-8057	372	8	,	,	PUNCT
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easat-8057	372	10	the	the	DET
easat-8057	372	11	impact	impact	NOUN
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easat-8057	372	15	and	and	CCONJ
easat-8057	372	16	ownership	ownership	NOUN
easat-8057	372	17	structure	structure	NOUN
easat-8057	372	18	on	on	ADP
easat-8057	372	19	the	the	DET
easat-8057	372	20	capital	capital	NOUN
easat-8057	372	21	structure	structure	NOUN
easat-8057	372	22	decisions	decision	NOUN
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easat-8057	372	24	saudi	saudi	ADJ
easat-8057	372	25	listed	list	VERB
easat-8057	372	26	firms	firm	NOUN
easat-8057	372	27	,	,	PUNCT
easat-8057	372	28	"	"	PUNCT
easat-8057	372	29	journal	journal	NOUN
easat-8057	372	30	of	of	ADP
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easat-8057	372	32	and	and	CCONJ
easat-8057	372	33	governance	governance	NOUN
easat-8057	372	34	,	,	PUNCT
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easat-8057	372	36	30	30	NUM
easat-8057	372	37	,	,	PUNCT
easat-8057	372	38	2024	2024	NUM
easat-8057	372	39	.	.	PUNCT
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easat-8057	373	5	https://doi.org/10.1108/jfmpc-07-2021-0050	https://doi.org/10.1108/jfmpc-07-2021-0050	PROPN
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easat-8057	373	7	https://doi.org/10.1111/jfir.12452	https://doi.org/10.1111/jfir.12452	VERB
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easat-8057	373	10	https://doi.org/10.1108/jsbed-09-2020-0326	https://doi.org/10.1108/jsbed-09-2020-0326	NOUN
easat-8057	373	11	https://doi.org/10.1016/j.bir.2018.07.002	https://doi.org/10.1016/j.bir.2018.07.002	NOUN
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easat-8057	373	13	https://doi.org/10.1016/j.frl.2019.101418	https://doi.org/10.1016/j.frl.2019.101418	PROPN
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easat-8057	374	10	https://doi.org/10.1007/s10997-024-09706-y	https://doi.org/10.1007/s10997-024-09706-y	PROPN
easat-8057	374	11	1169	1169	PROPN
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easat-8057	374	15	and	and	CCONJ
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easat-8057	374	17	issn	issn	PROPN
easat-8057	374	18	:	:	PUNCT
easat-8057	374	19	2576	2576	NUM
easat-8057	374	20	-	-	SYM
easat-8057	374	21	8484	8484	NUM
easat-8057	374	22	vol	vol	NOUN
easat-8057	374	23	.	.	PROPN
easat-8057	375	1	9	9	NUM
easat-8057	375	2	,	,	PUNCT
easat-8057	375	3	no	no	INTJ
easat-8057	375	4	.	.	NOUN
easat-8057	375	5	6	6	NUM
easat-8057	375	6	:	:	SYM
easat-8057	375	7	1160	1160	NUM
easat-8057	375	8	-	-	SYM
easat-8057	375	9	1171	1171	NUM
easat-8057	375	10	,	,	PUNCT
easat-8057	375	11	2025	2025	NUM
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easat-8057	375	13	:	:	PUNCT
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easat-8057	375	15	©	©	PROPN
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easat-8057	375	17	by	by	ADP
easat-8057	375	18	the	the	DET
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easat-8057	376	1	[	[	X
easat-8057	376	2	67	67	NUM
easat-8057	376	3	]	]	PUNCT
easat-8057	376	4	a.	a.	NOUN
easat-8057	376	5	qerimi	qerimi	PROPN
easat-8057	376	6	,	,	PUNCT
easat-8057	376	7	d.	d.	PROPN
easat-8057	376	8	balaj	balaj	PROPN
easat-8057	376	9	,	,	PUNCT
easat-8057	376	10	and	and	CCONJ
easat-8057	376	11	b.	b.	PROPN
easat-8057	376	12	a.	a.	PROPN
easat-8057	376	13	krasniqi	krasniqi	PROPN
easat-8057	376	14	,	,	PUNCT
easat-8057	376	15	"	"	PUNCT
easat-8057	376	16	the	the	DET
easat-8057	376	17	capital	capital	NOUN
easat-8057	376	18	structure	structure	NOUN
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easat-8057	376	21	smes	sme	NOUN
easat-8057	376	22	in	in	ADP
easat-8057	376	23	kosovo	kosovo	PROPN
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easat-8057	376	31	south	south	PROPN
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easat-8057	376	42	.	.	PROPN
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easat-8057	376	44	,	,	PUNCT
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easat-8057	376	47	2	2	NUM
easat-8057	376	48	,	,	PUNCT
easat-8057	376	49	pp	pp	ADJ
easat-8057	376	50	.	.	PUNCT
easat-8057	377	1	82	82	NUM
easat-8057	377	2	-	-	SYM
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easat-8057	377	4	,	,	PUNCT
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easat-8057	377	6	2024	2024	NUM
easat-8057	377	7	.	.	PUNCT
easat-8057	378	1	https://doi.org/10.2478/jeb-2024-0017	https://doi.org/10.2478/jeb-2024-0017	PROPN
easat-8057	379	1	[	[	X
easat-8057	379	2	68	68	NUM
easat-8057	379	3	]	]	X
easat-8057	379	4	d.	d.	PROPN
easat-8057	379	5	zhu	zhu	PROPN
easat-8057	379	6	,	,	PUNCT
easat-8057	379	7	z.	z.	PROPN
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easat-8057	379	9	,	,	PUNCT
easat-8057	379	10	and	and	CCONJ
easat-8057	379	11	j.	j.	PROPN
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easat-8057	379	13	,	,	PUNCT
easat-8057	379	14	"	"	PUNCT
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easat-8057	379	16	affecting	affect	VERB
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easat-8057	379	25	,	,	PUNCT
easat-8057	379	26	"	"	PUNCT
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easat-8057	379	33	,	,	PUNCT
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easat-8057	379	36	.	.	PROPN
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easat-8057	380	6	,	,	PUNCT
easat-8057	380	7	pp	pp	ADJ
easat-8057	380	8	.	.	PUNCT
easat-8057	381	1	2998	2998	NUM
easat-8057	381	2	-	-	SYM
easat-8057	381	3	3007	3007	NUM
easat-8057	381	4	,	,	PUNCT
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easat-8057	381	7	.	.	PUNCT
easat-8057	382	1	https://doi.org/10.1002/ijfe.2580	https://doi.org/10.1002/ijfe.2580	PROPN
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easat-8057	383	2	69	69	NUM
easat-8057	383	3	]	]	PUNCT
easat-8057	383	4	t.	t.	PROPN
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easat-8057	383	11	and	and	CCONJ
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easat-8057	383	13	d.	d.	PROPN
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easat-8057	383	17	capital	capital	NOUN
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easat-8057	383	33	and	and	CCONJ
easat-8057	383	34	business	business	NOUN
easat-8057	383	35	,	,	PUNCT
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easat-8057	383	43	,	,	PUNCT
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easat-8057	383	45	.	.	PUNCT
easat-8057	383	46	1	1	NUM
easat-8057	383	47	-	-	SYM
easat-8057	383	48	10	10	NUM
easat-8057	383	49	,	,	PUNCT
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easat-8057	383	52	.	.	PUNCT
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easat-8057	385	3	]	]	PUNCT
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easat-8057	385	20	influence	influence	VERB
easat-8057	385	21	the	the	DET
easat-8057	385	22	capital	capital	NOUN
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easat-8057	386	1	a	a	DET
easat-8057	386	2	panel	panel	NOUN
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easat-8057	386	4	analysis	analysis	NOUN
easat-8057	386	5	,	,	PUNCT
easat-8057	386	6	"	"	PUNCT
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easat-8057	386	21	,	,	PUNCT
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easat-8057	386	23	.	.	PUNCT
easat-8057	386	24	1229	1229	NUM
easat-8057	386	25	-	-	SYM
easat-8057	386	26	1248	1248	NUM
easat-8057	386	27	,	,	PUNCT
easat-8057	386	28	2022	2022	NUM
easat-8057	386	29	.	.	PUNCT
easat-8057	387	1	https://doi.org/10.33736/ijbs.4868.2022	https://doi.org/10.33736/ijbs.4868.2022	PROPN
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easat-8057	388	8	.	.	PUNCT
easat-8057	388	9	829	829	NUM
easat-8057	388	10	-	-	SYM
easat-8057	388	11	845	845	NUM
easat-8057	388	12	,	,	PUNCT
easat-8057	388	13	apr	apr	NOUN
easat-8057	388	14	2022	2022	NUM
easat-8057	388	15	.	.	PUNCT
easat-8057	389	1	https://doi.org/10.1002/mde.3421	https://doi.org/10.1002/mde.3421	PROPN
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easat-8057	389	11	,	,	PUNCT
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easat-8057	389	19	"	"	PUNCT
easat-8057	389	20	industry	industry	NOUN
easat-8057	389	21	,	,	PUNCT
easat-8057	389	22	firm	firm	NOUN
easat-8057	389	23	,	,	PUNCT
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easat-8057	389	25	country	country	NOUN
easat-8057	389	26	level	level	NOUN
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easat-8057	389	29	capital	capital	NOUN
easat-8057	389	30	structure	structure	NOUN
easat-8057	389	31	:	:	PUNCT
easat-8057	389	32	a	a	DET
easat-8057	389	33	case	case	NOUN
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easat-8057	389	38	"	"	PUNCT
easat-8057	389	39	journal	journal	NOUN
easat-8057	389	40	of	of	ADP
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easat-8057	389	42	and	and	CCONJ
easat-8057	389	43	financial	financial	ADJ
easat-8057	389	44	management	management	NOUN
easat-8057	389	45	,	,	PUNCT
easat-8057	389	46	article	article	NOUN
easat-8057	389	47	vol	vol	NOUN
easat-8057	389	48	.	.	PROPN
easat-8057	390	1	14	14	NUM
easat-8057	390	2	,	,	PUNCT
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easat-8057	390	4	.	.	NOUN
easat-8057	390	5	9	9	NUM
easat-8057	390	6	,	,	PUNCT
easat-8057	390	7	p.	p.	NOUN
easat-8057	390	8	428	428	NUM
easat-8057	390	9	,	,	PUNCT
easat-8057	390	10	sep	sep	NOUN
easat-8057	390	11	2021	2021	NUM
easat-8057	390	12	,	,	PUNCT
easat-8057	390	13	art	art	NOUN
easat-8057	390	14	no	no	NOUN
easat-8057	390	15	.	.	PUNCT
easat-8057	391	1	428	428	NUM
easat-8057	391	2	.	.	PUNCT
easat-8057	392	1	https://doi.org/10.3390/jrfm14090428	https://doi.org/10.3390/jrfm14090428	PROPN
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easat-8057	393	2	73	73	NUM
easat-8057	393	3	]	]	PUNCT
easat-8057	393	4	s.	s.	PROPN
easat-8057	393	5	boubaker	boubaker	PROPN
easat-8057	393	6	,	,	PUNCT
easat-8057	393	7	w.	w.	PROPN
easat-8057	393	8	saffar	saffar	PROPN
easat-8057	393	9	,	,	PUNCT
easat-8057	393	10	and	and	CCONJ
easat-8057	393	11	s.	s.	PROPN
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easat-8057	393	14	"	"	PUNCT
easat-8057	393	15	product	product	NOUN
easat-8057	393	16	market	market	NOUN
easat-8057	393	17	competition	competition	NOUN
easat-8057	393	18	and	and	CCONJ
easat-8057	393	19	debt	debt	NOUN
easat-8057	393	20	choice	choice	NOUN
easat-8057	393	21	,	,	PUNCT
easat-8057	393	22	"	"	PUNCT
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easat-8057	393	26	finance	finance	NOUN
easat-8057	393	27	,	,	PUNCT
easat-8057	393	28	article	article	NOUN
easat-8057	393	29	vol	vol	NOUN
easat-8057	393	30	.	.	PROPN
easat-8057	393	31	49	49	NUM
easat-8057	393	32	,	,	PUNCT
easat-8057	393	33	pp	pp	ADJ
easat-8057	393	34	.	.	PUNCT
easat-8057	394	1	204	204	NUM
easat-8057	394	2	-	-	SYM
easat-8057	394	3	224	224	NUM
easat-8057	394	4	,	,	PUNCT
easat-8057	394	5	apr	apr	NOUN
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easat-8057	394	7	.	.	PUNCT
easat-8057	395	1	https://doi.org/10.1016/j.jcorpfin.2018.01.007	https://doi.org/10.1016/j.jcorpfin.2018.01.007	PROPN
easat-8057	395	2	[	[	X
easat-8057	395	3	74	74	NUM
easat-8057	395	4	]	]	PUNCT
easat-8057	395	5	r.	r.	PROPN
easat-8057	395	6	t.	t.	PROPN
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easat-8057	395	8	and	and	CCONJ
easat-8057	395	9	a.	a.	NOUN
easat-8057	395	10	w.	w.	PROPN
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easat-8057	395	13	"	"	PUNCT
easat-8057	395	14	competition	competition	NOUN
easat-8057	395	15	and	and	CCONJ
easat-8057	395	16	r&d	r&d	NOUN
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easat-8057	395	18	:	:	PUNCT
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easat-8057	395	21	the	the	DET
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easat-8057	395	24	,	,	PUNCT
easat-8057	395	25	"	"	PUNCT
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easat-8057	395	29	and	and	CCONJ
easat-8057	395	30	quantitative	quantitative	ADJ
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easat-8057	395	32	,	,	PUNCT
easat-8057	395	33	article	article	NOUN
easat-8057	395	34	vol	vol	NOUN
easat-8057	395	35	.	.	PROPN
easat-8057	395	36	57	57	NUM
easat-8057	395	37	,	,	PUNCT
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easat-8057	395	39	.	.	NOUN
easat-8057	395	40	5	5	NUM
easat-8057	395	41	,	,	PUNCT
easat-8057	395	42	pp	pp	ADJ
easat-8057	395	43	.	.	PUNCT
easat-8057	395	44	1885	1885	NUM
easat-8057	395	45	-	-	SYM
easat-8057	395	46	1928	1928	NUM
easat-8057	395	47	,	,	PUNCT
easat-8057	395	48	aug	aug	PROPN
easat-8057	395	49	2022	2022	NUM
easat-8057	395	50	.	.	PUNCT
easat-8057	396	1	https://doi.org/10.1017/s0022109021000284	https://doi.org/10.1017/s0022109021000284	PRON
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easat-8057	396	3	75	75	NUM
easat-8057	396	4	]	]	PUNCT
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easat-8057	396	8	"	"	PUNCT
easat-8057	396	9	debt	debt	NOUN
easat-8057	396	10	financing	financing	NOUN
easat-8057	396	11	and	and	CCONJ
easat-8057	396	12	market	market	NOUN
easat-8057	396	13	concentration	concentration	NOUN
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easat-8057	396	15	an	an	DET
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easat-8057	396	18	:	:	PUNCT
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easat-8057	396	29	and	and	CCONJ
easat-8057	396	30	restructuring	restructuring	NOUN
easat-8057	396	31	,	,	PUNCT
easat-8057	396	32	article	article	NOUN
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easat-8057	396	34	.	.	PROPN
easat-8057	397	1	53	53	NUM
easat-8057	397	2	,	,	PUNCT
easat-8057	397	3	no	no	INTJ
easat-8057	397	4	.	.	NOUN
easat-8057	397	5	3	3	NUM
easat-8057	397	6	,	,	PUNCT
easat-8057	397	7	pp	pp	ADJ
easat-8057	397	8	.	.	PUNCT
easat-8057	398	1	451	451	NUM
easat-8057	398	2	-	-	SYM
easat-8057	398	3	474	474	NUM
easat-8057	398	4	,	,	PUNCT
easat-8057	398	5	aug	aug	PROPN
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easat-8057	398	7	.	.	PUNCT
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easat-8057	399	3	76	76	NUM
easat-8057	399	4	]	]	PUNCT
easat-8057	399	5	a.	a.	PROPN
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easat-8057	399	14	,	,	PUNCT
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easat-8057	400	4	and	and	CCONJ
easat-8057	400	5	n.	n.	PROPN
easat-8057	400	6	t.	t.	PROPN
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easat-8057	400	10	"	"	PUNCT
easat-8057	400	11	the	the	DET
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easat-8057	400	16	:	:	PUNCT
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easat-8057	401	10	economics	economic	NOUN
easat-8057	401	11	,	,	PUNCT
easat-8057	401	12	article	article	NOUN
easat-8057	401	13	vol	vol	NOUN
easat-8057	401	14	.	.	PROPN
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easat-8057	401	16	,	,	PUNCT
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easat-8057	401	20	,	,	PUNCT
easat-8057	401	21	pp	pp	ADJ
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easat-8057	402	1	6471	6471	NUM
easat-8057	402	2	-	-	SYM
easat-8057	402	3	6487	6487	NUM
easat-8057	402	4	,	,	PUNCT
easat-8057	402	5	oct	oct	PROPN
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easat-8057	402	7	.	.	PUNCT
easat-8057	403	1	https://doi.org/10.1002/ijfe.2132	https://doi.org/10.1002/ijfe.2132	X
easat-8057	404	1	[	[	X
easat-8057	404	2	77	77	NUM
easat-8057	404	3	]	]	X
easat-8057	404	4	n.	n.	PROPN
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easat-8057	404	7	,	,	PUNCT
easat-8057	404	8	h.	h.	PROPN
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easat-8057	404	10	,	,	PUNCT
easat-8057	404	11	and	and	CCONJ
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easat-8057	404	13	t.	t.	PROPN
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easat-8057	404	18	of	of	ADP
easat-8057	404	19	capital	capital	NOUN
easat-8057	404	20	structure	structure	NOUN
easat-8057	404	21	and	and	CCONJ
easat-8057	404	22	firm	firm	ADJ
easat-8057	404	23	financial	financial	ADJ
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easat-8057	404	25	-	-	PUNCT
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easat-8057	404	33	and	and	CCONJ
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easat-8057	404	41	and	and	CCONJ
easat-8057	404	42	finance	finance	NOUN
easat-8057	404	43	,	,	PUNCT
easat-8057	404	44	vol	vol	NOUN
easat-8057	404	45	.	.	PROPN
easat-8057	404	46	71	71	NUM
easat-8057	404	47	,	,	PUNCT
easat-8057	404	48	pp	pp	ADJ
easat-8057	404	49	.	.	PUNCT
easat-8057	404	50	148160	148160	NUM
easat-8057	404	51	,	,	PUNCT
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easat-8057	405	1	https://doi.org/10.1016/j.qref.2018.07.001	https://doi.org/10.1016/j.qref.2018.07.001	PROPN
easat-8057	405	2	[	[	X
easat-8057	405	3	78	78	NUM
easat-8057	405	4	]	]	PUNCT
easat-8057	405	5	e.	e.	PROPN
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easat-8057	405	7	,	,	PUNCT
easat-8057	405	8	"	"	PUNCT
easat-8057	405	9	an	an	DET
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easat-8057	405	13	the	the	DET
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easat-8057	405	16	the	the	DET
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easat-8057	405	22	and	and	CCONJ
easat-8057	405	23	apparel	apparel	NOUN
easat-8057	405	24	firms	firm	NOUN
easat-8057	405	25	,	,	PUNCT
easat-8057	405	26	"	"	PUNCT
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easat-8057	405	32	,	,	PUNCT
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easat-8057	405	34	.	.	NOUN
easat-8057	405	35	54	54	NUM
easat-8057	405	36	,	,	PUNCT
easat-8057	405	37	pp	pp	ADJ
easat-8057	405	38	.	.	PUNCT
easat-8057	405	39	199	199	NUM
easat-8057	405	40	-	-	SYM
easat-8057	405	41	214	214	NUM
easat-8057	405	42	,	,	PUNCT
easat-8057	405	43	oct	oct	NOUN
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easat-8057	405	45	.	.	PUNCT
easat-8057	405	46	https://doi.org/10.17233/sosyoekonomi.2022.04.10	https://doi.org/10.17233/sosyoekonomi.2022.04.10	X
easat-8057	406	1	[	[	X
easat-8057	406	2	79	79	NUM
easat-8057	406	3	]	]	PUNCT
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easat-8057	406	6	and	and	CCONJ
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easat-8057	406	14	'	'	PART
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easat-8057	406	17	in	in	ADP
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easat-8057	406	25	,	,	PUNCT
easat-8057	406	26	"	"	PUNCT
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easat-8057	406	30	vol	vol	NOUN
easat-8057	406	31	.	.	PROPN
easat-8057	407	1	14	14	NUM
easat-8057	407	2	,	,	PUNCT
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easat-8057	407	9	,	,	PUNCT
easat-8057	407	10	apr	apr	NOUN
easat-8057	407	11	2021	2021	NUM
easat-8057	407	12	,	,	PUNCT
easat-8057	407	13	art	art	NOUN
easat-8057	407	14	no	no	NOUN
easat-8057	407	15	.	.	PUNCT
easat-8057	408	1	1871	1871	NUM
easat-8057	408	2	.	.	PUNCT
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easat-8057	410	1	[	[	X
easat-8057	410	2	80	80	NUM
easat-8057	410	3	]	]	X
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easat-8057	410	7	"	"	PUNCT
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easat-8057	410	12	and	and	CCONJ
easat-8057	410	13	firm	firm	ADJ
easat-8057	410	14	-	-	PUNCT
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easat-8057	410	17	of	of	ADP
easat-8057	410	18	capital	capital	NOUN
easat-8057	410	19	structure	structure	NOUN
easat-8057	410	20	:	:	PUNCT
easat-8057	410	21	a	a	DET
easat-8057	410	22	multilevel	multilevel	ADJ
easat-8057	410	23	approach	approach	NOUN
easat-8057	410	24	,	,	PUNCT
easat-8057	410	25	"	"	PUNCT
easat-8057	410	26	prague	prague	PROPN
easat-8057	410	27	economic	economic	ADJ
easat-8057	410	28	papers	paper	NOUN
easat-8057	410	29	,	,	PUNCT
easat-8057	410	30	article	article	NOUN
easat-8057	410	31	vol	vol	NOUN
easat-8057	410	32	.	.	PROPN
easat-8057	410	33	28	28	NUM
easat-8057	410	34	,	,	PUNCT
easat-8057	410	35	no	no	INTJ
easat-8057	410	36	.	.	NOUN
easat-8057	410	37	5	5	NUM
easat-8057	410	38	,	,	PUNCT
easat-8057	410	39	pp	pp	ADJ
easat-8057	410	40	.	.	PUNCT
easat-8057	411	1	499	499	NUM
easat-8057	411	2	-	-	SYM
easat-8057	411	3	515	515	NUM
easat-8057	411	4	,	,	PUNCT
easat-8057	411	5	2019	2019	NUM
easat-8057	411	6	2019	2019	NUM
easat-8057	411	7	.	.	PUNCT
easat-8057	412	1	https://doi.org/10.18267/j.pep.700	https://doi.org/10.18267/j.pep.700	PROPN
easat-8057	412	2	[	[	X
easat-8057	412	3	81	81	NUM
easat-8057	412	4	]	]	PUNCT
easat-8057	412	5	k.	k.	PROPN
easat-8057	412	6	reddy	reddy	PROPN
easat-8057	412	7	,	,	PUNCT
easat-8057	412	8	n.	n.	PROPN
easat-8057	412	9	mirza	mirza	PROPN
easat-8057	412	10	,	,	PUNCT
easat-8057	412	11	and	and	CCONJ
easat-8057	412	12	n.	n.	PROPN
easat-8057	412	13	yahanpath	yahanpath	PROPN
easat-8057	412	14	,	,	PUNCT
easat-8057	412	15	"	"	PUNCT
easat-8057	412	16	capital	capital	NOUN
easat-8057	412	17	structure	structure	NOUN
easat-8057	412	18	determinants	determinant	NOUN
easat-8057	412	19	during	during	ADP
easat-8057	412	20	the	the	DET
easat-8057	412	21	sovereign	sovereign	ADJ
easat-8057	412	22	debt	debt	NOUN
easat-8057	412	23	crisis	crisis	NOUN
easat-8057	412	24	period	period	NOUN
easat-8057	412	25	in	in	ADP
easat-8057	412	26	europe	europe	PROPN
easat-8057	412	27	,	,	PUNCT
easat-8057	412	28	"	"	PUNCT
easat-8057	412	29	australasian	australasian	ADJ
easat-8057	412	30	accounting	accounting	NOUN
easat-8057	412	31	business	business	NOUN
easat-8057	412	32	and	and	CCONJ
easat-8057	412	33	finance	finance	NOUN
easat-8057	412	34	journal	journal	NOUN
easat-8057	412	35	,	,	PUNCT
easat-8057	412	36	article	article	NOUN
easat-8057	412	37	vol	vol	NOUN
easat-8057	412	38	.	.	PROPN
easat-8057	413	1	16	16	NUM
easat-8057	413	2	,	,	PUNCT
easat-8057	413	3	no	no	INTJ
easat-8057	413	4	.	.	NOUN
easat-8057	413	5	4	4	NUM
easat-8057	413	6	,	,	PUNCT
easat-8057	413	7	pp	pp	ADJ
easat-8057	413	8	.	.	PUNCT
easat-8057	414	1	29	29	NUM
easat-8057	414	2	-	-	SYM
easat-8057	414	3	63	63	NUM
easat-8057	414	4	,	,	PUNCT
easat-8057	414	5	2022	2022	NUM
easat-8057	414	6	2022	2022	NUM
easat-8057	414	7	.	.	PUNCT
easat-8057	415	1	[	[	X
easat-8057	415	2	82	82	NUM
easat-8057	415	3	]	]	X
easat-8057	415	4	i.	i.	PROPN
easat-8057	415	5	goldstein	goldstein	PROPN
easat-8057	415	6	,	,	PUNCT
easat-8057	415	7	w.	w.	PROPN
easat-8057	415	8	jiang	jiang	PROPN
easat-8057	415	9	,	,	PUNCT
easat-8057	415	10	and	and	CCONJ
easat-8057	415	11	g.	g.	PROPN
easat-8057	415	12	a.	a.	NOUN
easat-8057	415	13	karolyi	karolyi	PROPN
easat-8057	415	14	,	,	PUNCT
easat-8057	415	15	"	"	PUNCT
easat-8057	415	16	to	to	PART
easat-8057	415	17	fintech	fintech	NOUN
easat-8057	415	18	and	and	CCONJ
easat-8057	415	19	beyond	beyond	ADP
easat-8057	415	20	,	,	PUNCT
easat-8057	415	21	"	"	PUNCT
easat-8057	415	22	review	review	NOUN
easat-8057	415	23	of	of	ADP
easat-8057	415	24	financial	financial	ADJ
easat-8057	415	25	studies	study	NOUN
easat-8057	415	26	,	,	PUNCT
easat-8057	415	27	vol	vol	NOUN
easat-8057	415	28	.	.	PROPN
easat-8057	415	29	32	32	NUM
easat-8057	415	30	,	,	PUNCT
easat-8057	415	31	no	no	INTJ
easat-8057	415	32	.	.	NOUN
easat-8057	415	33	5	5	NUM
easat-8057	415	34	,	,	PUNCT
easat-8057	415	35	pp	pp	ADJ
easat-8057	415	36	.	.	PUNCT
easat-8057	415	37	1647	1647	NUM
easat-8057	415	38	-	-	SYM
easat-8057	415	39	1661	1661	NUM
easat-8057	415	40	,	,	PUNCT
easat-8057	415	41	2019	2019	NUM
easat-8057	415	42	.	.	PUNCT
easat-8057	416	1	https://doi.org/10.1093/rfs/hhz025	https://doi.org/10.1093/rfs/hhz025	PROPN
easat-8057	416	2	[	[	PUNCT
easat-8057	416	3	83	83	NUM
easat-8057	416	4	]	]	PUNCT
easat-8057	416	5	c.	c.	PROPN
easat-8057	416	6	zhu	zhu	PROPN
easat-8057	416	7	,	,	PUNCT
easat-8057	416	8	"	"	PUNCT
easat-8057	416	9	big	big	ADJ
easat-8057	416	10	data	datum	NOUN
easat-8057	416	11	as	as	ADP
easat-8057	416	12	a	a	DET
easat-8057	416	13	governance	governance	NOUN
easat-8057	416	14	mechanism	mechanism	NOUN
easat-8057	416	15	,	,	PUNCT
easat-8057	416	16	"	"	PUNCT
easat-8057	416	17	the	the	DET
easat-8057	416	18	review	review	NOUN
easat-8057	416	19	of	of	ADP
easat-8057	416	20	financial	financial	ADJ
easat-8057	416	21	studies	study	NOUN
easat-8057	416	22	,	,	PUNCT
easat-8057	416	23	article	article	NOUN
easat-8057	416	24	vol	vol	NOUN
easat-8057	416	25	.	.	PROPN
easat-8057	416	26	32	32	NUM
easat-8057	416	27	,	,	PUNCT
easat-8057	416	28	no	no	INTJ
easat-8057	416	29	.	.	NOUN
easat-8057	416	30	5	5	NUM
easat-8057	416	31	,	,	PUNCT
easat-8057	416	32	pp	pp	ADJ
easat-8057	416	33	.	.	PUNCT
easat-8057	416	34	2021	2021	NUM
easat-8057	416	35	-	-	SYM
easat-8057	416	36	2061	2061	NUM
easat-8057	416	37	,	,	PUNCT
easat-8057	416	38	may	may	AUX
easat-8057	416	39	2019	2019	NUM
easat-8057	416	40	.	.	PUNCT
easat-8057	417	1	https://doi.org/10.1093/rfs/hhy081	https://doi.org/10.1093/rfs/hhy081	PROPN
easat-8057	417	2	[	[	X
easat-8057	417	3	84	84	NUM
easat-8057	417	4	]	]	PUNCT
easat-8057	417	5	l.	l.	PROPN
easat-8057	417	6	jin	jin	PROPN
easat-8057	417	7	,	,	PUNCT
easat-8057	417	8	j.	j.	PROPN
easat-8057	417	9	dai	dai	PROPN
easat-8057	417	10	,	,	PUNCT
easat-8057	417	11	w.	w.	PROPN
easat-8057	417	12	jiang	jiang	PROPN
easat-8057	417	13	,	,	PUNCT
easat-8057	417	14	and	and	CCONJ
easat-8057	417	15	k.	k.	PROPN
easat-8057	417	16	cao	cao	PROPN
easat-8057	417	17	,	,	PUNCT
easat-8057	417	18	"	"	PUNCT
easat-8057	417	19	digital	digital	ADJ
easat-8057	417	20	finance	finance	NOUN
easat-8057	417	21	and	and	CCONJ
easat-8057	417	22	misallocation	misallocation	NOUN
easat-8057	417	23	of	of	ADP
easat-8057	417	24	resources	resource	NOUN
easat-8057	417	25	among	among	ADP
easat-8057	417	26	firms	firm	NOUN
easat-8057	417	27	:	:	PUNCT
easat-8057	417	28	evidence	evidence	NOUN
easat-8057	417	29	from	from	ADP
easat-8057	417	30	china	china	PROPN
easat-8057	417	31	,	,	PUNCT
easat-8057	417	32	"	"	PUNCT
easat-8057	417	33	north	north	ADJ
easat-8057	417	34	american	american	ADJ
easat-8057	417	35	journal	journal	PROPN
easat-8057	417	36	of	of	ADP
easat-8057	417	37	economics	economic	NOUN
easat-8057	417	38	and	and	CCONJ
easat-8057	417	39	finance	finance	NOUN
easat-8057	417	40	,	,	PUNCT
easat-8057	417	41	article	article	NOUN
easat-8057	417	42	vol	vol	NOUN
easat-8057	417	43	.	.	PROPN
easat-8057	417	44	66	66	NUM
easat-8057	417	45	,	,	PUNCT
easat-8057	417	46	p.	p.	NOUN
easat-8057	417	47	101911	101911	NUM
easat-8057	417	48	,	,	PUNCT
easat-8057	417	49	may	may	AUX
easat-8057	417	50	2023	2023	NUM
easat-8057	417	51	,	,	PUNCT
easat-8057	417	52	art	art	NOUN
easat-8057	417	53	no	no	NOUN
easat-8057	417	54	.	.	PROPN
easat-8057	417	55	101911	101911	NUM
easat-8057	417	56	.	.	PUNCT
easat-8057	418	1	https://doi.org/10.1016/j.najef.2023.101911	https://doi.org/10.1016/j.najef.2023.101911	PROPN
easat-8057	418	2	[	[	X
easat-8057	418	3	85	85	NUM
easat-8057	418	4	]	]	PUNCT
easat-8057	418	5	l.	l.	PROPN
easat-8057	418	6	yin	yin	PROPN
easat-8057	418	7	and	and	CCONJ
easat-8057	418	8	z.	z.	PROPN
easat-8057	418	9	wang	wang	PROPN
easat-8057	418	10	,	,	PUNCT
easat-8057	418	11	"	"	PUNCT
easat-8057	418	12	how	how	SCONJ
easat-8057	418	13	does	do	AUX
easat-8057	418	14	digital	digital	ADJ
easat-8057	418	15	finance	finance	NOUN
easat-8057	418	16	affect	affect	VERB
easat-8057	418	17	financial	financial	ADJ
easat-8057	418	18	mismatch	mismatch	NOUN
easat-8057	418	19	?	?	PUNCT
easat-8057	418	20	,	,	PUNCT
easat-8057	418	21	"	"	PUNCT
easat-8057	418	22	applied	apply	VERB
easat-8057	418	23	economics	economic	NOUN
easat-8057	418	24	,	,	PUNCT
easat-8057	418	25	pp	pp	ADJ
easat-8057	418	26	.	.	PUNCT
easat-8057	419	1	1	1	NUM
easat-8057	419	2	-	-	SYM
easat-8057	419	3	18	18	NUM
easat-8057	419	4	,	,	PUNCT
easat-8057	419	5	2024	2024	NUM
easat-8057	419	6	.	.	PUNCT
easat-8057	420	1	https://doi.org/10.1080/00036846.2024.2331429	https://doi.org/10.1080/00036846.2024.2331429	PROPN
easat-8057	421	1	[	[	X
easat-8057	421	2	86	86	NUM
easat-8057	421	3	]	]	X
easat-8057	421	4	l.	l.	PROPN
easat-8057	421	5	gambacorta	gambacorta	PROPN
easat-8057	421	6	,	,	PUNCT
easat-8057	421	7	y.	y.	PROPN
easat-8057	421	8	huang	huang	PROPN
easat-8057	421	9	,	,	PUNCT
easat-8057	421	10	z.	z.	PROPN
easat-8057	421	11	li	li	PROPN
easat-8057	421	12	,	,	PUNCT
easat-8057	421	13	h.	h.	PROPN
easat-8057	421	14	qiu	qiu	PROPN
easat-8057	421	15	,	,	PUNCT
easat-8057	421	16	and	and	CCONJ
easat-8057	421	17	s.	s.	PROPN
easat-8057	421	18	chen	chen	PROPN
easat-8057	421	19	,	,	PUNCT
easat-8057	421	20	"	"	PUNCT
easat-8057	421	21	data	datum	NOUN
easat-8057	421	22	versus	versus	ADP
easat-8057	421	23	collateral	collateral	NOUN
easat-8057	421	24	,	,	PUNCT
easat-8057	421	25	"	"	PUNCT
easat-8057	421	26	review	review	NOUN
easat-8057	421	27	of	of	ADP
easat-8057	421	28	finance	finance	NOUN
easat-8057	421	29	,	,	PUNCT
easat-8057	421	30	article	article	NOUN
easat-8057	421	31	vol	vol	NOUN
easat-8057	421	32	.	.	PROPN
easat-8057	422	1	27	27	NUM
easat-8057	422	2	,	,	PUNCT
easat-8057	422	3	no	no	INTJ
easat-8057	422	4	.	.	NOUN
easat-8057	422	5	2	2	NUM
easat-8057	422	6	,	,	PUNCT
easat-8057	422	7	pp	pp	ADJ
easat-8057	422	8	.	.	PUNCT
easat-8057	423	1	369	369	NUM
easat-8057	423	2	-	-	SYM
easat-8057	423	3	398	398	NUM
easat-8057	423	4	,	,	PUNCT
easat-8057	423	5	mar	mar	PROPN
easat-8057	423	6	15	15	NUM
easat-8057	423	7	2023	2023	NUM
easat-8057	423	8	.	.	PUNCT
easat-8057	424	1	https://doi.org/10.1093/rof/rfac022	https://doi.org/10.1093/rof/rfac022	NOUN
easat-8057	424	2	[	[	X
easat-8057	424	3	87	87	NUM
easat-8057	424	4	]	]	PUNCT
easat-8057	424	5	l.	l.	PROPN
easat-8057	424	6	h.	h.	PROPN
easat-8057	424	7	zuo	zuo	PROPN
easat-8057	424	8	,	,	PUNCT
easat-8057	424	9	h.	h.	PROPN
easat-8057	424	10	c.	c.	PROPN
easat-8057	424	11	li	li	PROPN
easat-8057	424	12	,	,	PUNCT
easat-8057	424	13	and	and	CCONJ
easat-8057	424	14	x.	x.	NOUN
easat-8057	424	15	x.	x.	PROPN
easat-8057	424	16	xia	xia	PROPN
easat-8057	424	17	,	,	PUNCT
easat-8057	424	18	"	"	PUNCT
easat-8057	424	19	an	an	DET
easat-8057	424	20	empirical	empirical	ADJ
easat-8057	424	21	analysis	analysis	NOUN
easat-8057	424	22	of	of	ADP
easat-8057	424	23	the	the	DET
easat-8057	424	24	impact	impact	NOUN
easat-8057	424	25	of	of	ADP
easat-8057	424	26	digital	digital	ADJ
easat-8057	424	27	finance	finance	NOUN
easat-8057	424	28	on	on	ADP
easat-8057	424	29	the	the	DET
easat-8057	424	30	efficiency	efficiency	NOUN
easat-8057	424	31	of	of	ADP
easat-8057	424	32	commercial	commercial	ADJ
easat-8057	424	33	banks	bank	NOUN
easat-8057	424	34	,	,	PUNCT
easat-8057	424	35	"	"	PUNCT
easat-8057	424	36	sustainability	sustainability	NOUN
easat-8057	424	37	,	,	PUNCT
easat-8057	424	38	vol	vol	NOUN
easat-8057	424	39	.	.	PROPN
easat-8057	424	40	15	15	NUM
easat-8057	424	41	,	,	PUNCT
easat-8057	424	42	no	no	INTJ
easat-8057	424	43	.	.	NOUN
easat-8057	424	44	5	5	NUM
easat-8057	424	45	,	,	PUNCT
easat-8057	424	46	p.	p.	NOUN
easat-8057	424	47	4667	4667	NUM
easat-8057	424	48	,	,	PUNCT
easat-8057	424	49	mar	mar	PROPN
easat-8057	424	50	2023	2023	NUM
easat-8057	424	51	,	,	PUNCT
easat-8057	424	52	art	art	NOUN
easat-8057	424	53	no	no	NOUN
easat-8057	424	54	.	.	PUNCT
easat-8057	425	1	4667	4667	NUM
easat-8057	425	2	.	.	PUNCT
easat-8057	426	1	https://doi.org/10.3390/su15054667	https://doi.org/10.3390/su15054667	X
easat-8057	427	1	[	[	X
easat-8057	427	2	88	88	NUM
easat-8057	427	3	]	]	X
easat-8057	427	4	l.	l.	PROPN
easat-8057	427	5	yin	yin	PROPN
easat-8057	427	6	and	and	CCONJ
easat-8057	427	7	z.	z.	PROPN
easat-8057	427	8	wang	wang	PROPN
easat-8057	427	9	,	,	PUNCT
easat-8057	427	10	"	"	PUNCT
easat-8057	427	11	how	how	SCONJ
easat-8057	427	12	does	do	AUX
easat-8057	427	13	digital	digital	ADJ
easat-8057	427	14	finance	finance	NOUN
easat-8057	427	15	affect	affect	VERB
easat-8057	427	16	financial	financial	ADJ
easat-8057	427	17	mismatch	mismatch	NOUN
easat-8057	427	18	?	?	PUNCT
easat-8057	427	19	,	,	PUNCT
easat-8057	427	20	"	"	PUNCT
easat-8057	427	21	applied	apply	VERB
easat-8057	427	22	economics	economic	NOUN
easat-8057	427	23	,	,	PUNCT
easat-8057	427	24	article	article	NOUN
easat-8057	427	25	vol	vol	NOUN
easat-8057	427	26	.	.	PROPN
easat-8057	428	1	57	57	NUM
easat-8057	428	2	,	,	PUNCT
easat-8057	428	3	no	no	INTJ
easat-8057	428	4	.	.	NOUN
easat-8057	428	5	22	22	NUM
easat-8057	428	6	,	,	PUNCT
easat-8057	428	7	pp	pp	ADJ
easat-8057	428	8	.	.	PUNCT
easat-8057	429	1	2869	2869	NUM
easat-8057	429	2	-	-	SYM
easat-8057	429	3	2886	2886	NUM
easat-8057	429	4	,	,	PUNCT
easat-8057	429	5	may	may	AUX
easat-8057	429	6	9	9	NUM
easat-8057	429	7	2025	2025	NUM
easat-8057	429	8	.	.	PUNCT
easat-8057	430	1	https://doi.org/10.1080/00036846.2024.2331429	https://doi.org/10.1080/00036846.2024.2331429	PROPN
easat-8057	431	1	[	[	X
easat-8057	431	2	89	89	NUM
easat-8057	431	3	]	]	X
easat-8057	431	4	c.	c.	PROPN
easat-8057	431	5	de	de	PROPN
easat-8057	431	6	roure	roure	PROPN
easat-8057	431	7	,	,	PUNCT
easat-8057	431	8	l.	l.	PROPN
easat-8057	431	9	pelizzon	pelizzon	PROPN
easat-8057	431	10	,	,	PUNCT
easat-8057	431	11	and	and	CCONJ
easat-8057	431	12	a.	a.	NOUN
easat-8057	431	13	thakor	thakor	PROPN
easat-8057	431	14	,	,	PUNCT
easat-8057	431	15	"	"	PUNCT
easat-8057	431	16	p2p	p2p	NOUN
easat-8057	431	17	lenders	lender	NOUN
easat-8057	431	18	versus	versus	ADP
easat-8057	431	19	banks	bank	NOUN
easat-8057	431	20	:	:	PUNCT
easat-8057	431	21	cream	cream	NOUN
easat-8057	431	22	skimming	skimming	NOUN
easat-8057	431	23	or	or	CCONJ
easat-8057	431	24	bottom	bottom	ADJ
easat-8057	431	25	fishing	fishing	NOUN
easat-8057	431	26	?	?	PUNCT
easat-8057	431	27	,	,	PUNCT
easat-8057	431	28	"	"	PUNCT
easat-8057	431	29	review	review	NOUN
easat-8057	431	30	of	of	ADP
easat-8057	431	31	corporate	corporate	ADJ
easat-8057	431	32	finance	finance	NOUN
easat-8057	431	33	studies	study	NOUN
easat-8057	431	34	,	,	PUNCT
easat-8057	431	35	article	article	NOUN
easat-8057	431	36	vol	vol	NOUN
easat-8057	431	37	.	.	PROPN
easat-8057	431	38	11	11	NUM
easat-8057	431	39	,	,	PUNCT
easat-8057	431	40	no	no	INTJ
easat-8057	431	41	.	.	NOUN
easat-8057	431	42	2	2	NUM
easat-8057	431	43	,	,	PUNCT
easat-8057	431	44	pp	pp	ADJ
easat-8057	431	45	.	.	PUNCT
easat-8057	432	1	213	213	NUM
easat-8057	432	2	-	-	SYM
easat-8057	432	3	262	262	NUM
easat-8057	432	4	,	,	PUNCT
easat-8057	432	5	jan	jan	PROPN
easat-8057	432	6	19	19	NUM
easat-8057	432	7	2022	2022	NUM
easat-8057	432	8	.	.	PUNCT
easat-8057	433	1	https://doi.org/10.1093/rcfs/cfab026	https://doi.org/10.1093/rcfs/cfab026	PROPN
easat-8057	434	1	[	[	X
easat-8057	434	2	90	90	NUM
easat-8057	434	3	]	]	X
easat-8057	434	4	y.	y.	PROPN
easat-8057	434	5	jin	jin	PROPN
easat-8057	434	6	,	,	PUNCT
easat-8057	434	7	y.-y	y.-y	PROPN
easat-8057	434	8	.	.	PUNCT
easat-8057	435	1	ma	ma	PROPN
easat-8057	435	2	,	,	PUNCT
easat-8057	435	3	and	and	CCONJ
easat-8057	435	4	l.-b	l.-b	PROPN
easat-8057	435	5	.	.	PUNCT
easat-8057	436	1	yuan	yuan	NOUN
easat-8057	436	2	,	,	PUNCT
easat-8057	436	3	"	"	PUNCT
easat-8057	436	4	how	how	SCONJ
easat-8057	436	5	does	do	AUX
easat-8057	436	6	digital	digital	ADJ
easat-8057	436	7	finance	finance	NOUN
easat-8057	436	8	affect	affect	VERB
easat-8057	436	9	the	the	DET
easat-8057	436	10	total	total	ADJ
easat-8057	436	11	factor	factor	NOUN
easat-8057	436	12	productivity	productivity	NOUN
easat-8057	436	13	of	of	ADP
easat-8057	436	14	listed	list	VERB
easat-8057	436	15	manufacturing	manufacturing	NOUN
easat-8057	436	16	companies	company	NOUN
easat-8057	436	17	?	?	PUNCT
easat-8057	436	18	,	,	PUNCT
easat-8057	436	19	"	"	PUNCT
easat-8057	436	20	structural	structural	ADJ
easat-8057	436	21	change	change	NOUN
easat-8057	436	22	and	and	CCONJ
easat-8057	436	23	economic	economic	ADJ
easat-8057	436	24	dynamics	dynamic	NOUN
easat-8057	436	25	,	,	PUNCT
easat-8057	436	26	article	article	NOUN
easat-8057	436	27	vol	vol	NOUN
easat-8057	436	28	.	.	PROPN
easat-8057	437	1	71	71	NUM
easat-8057	437	2	,	,	PUNCT
easat-8057	437	3	pp	pp	ADJ
easat-8057	437	4	.	.	PUNCT
easat-8057	438	1	84	84	NUM
easat-8057	438	2	-	-	SYM
easat-8057	438	3	94	94	NUM
easat-8057	438	4	,	,	PUNCT
easat-8057	438	5	dec	dec	PROPN
easat-8057	438	6	2024	2024	NUM
easat-8057	438	7	.	.	PUNCT
easat-8057	439	1	https://doi.org/10.1016/j.strueco.2024.06.011	https://doi.org/10.1016/j.strueco.2024.06.011	ADJ
easat-8057	439	2	https://doi.org/10.2478/jeb-2024-0017	https://doi.org/10.2478/jeb-2024-0017	PROPN
easat-8057	439	3	https://doi.org/10.1002/ijfe.2580	https://doi.org/10.1002/ijfe.2580	PROPN
easat-8057	440	1	https://doi.org/10.13106/jafeb.2021.vol8.no10.0001	https://doi.org/10.13106/jafeb.2021.vol8.no10.0001	PRON
easat-8057	441	1	https://doi.org/10.33736/ijbs.4868.2022	https://doi.org/10.33736/ijbs.4868.2022	PROPN
easat-8057	441	2	https://doi.org/10.1002/mde.3421	https://doi.org/10.1002/mde.3421	PROPN
easat-8057	441	3	https://doi.org/10.3390/jrfm14090428	https://doi.org/10.3390/jrfm14090428	PROPN
easat-8057	441	4	https://doi.org/10.1016/j.jcorpfin.2018.01.007	https://doi.org/10.1016/j.jcorpfin.2018.01.007	VERB
easat-8057	441	5	https://doi.org/10.1017/s0022109021000284	https://doi.org/10.1017/s0022109021000284	PROPN
easat-8057	441	6	https://doi.org/10.1007/s10644-019-09256-6	https://doi.org/10.1007/s10644-019-09256-6	NUM
easat-8057	441	7	https://doi.org/10.1007/s10644-019-09256-6	https://doi.org/10.1007/s10644-019-09256-6	PROPN
easat-8057	441	8	https://doi.org/10.1002/ijfe.2132	https://doi.org/10.1002/ijfe.2132	VERB
easat-8057	441	9	https://doi.org/10.1016/j.qref.2018.07.001	https://doi.org/10.1016/j.qref.2018.07.001	PROPN
easat-8057	441	10	https://doi.org/10.17233/sosyoekonomi.2022.04.10	https://doi.org/10.17233/sosyoekonomi.2022.04.10	X
easat-8057	441	11	https://doi.org/10.3390/en14071871	https://doi.org/10.3390/en14071871	X
easat-8057	441	12	https://doi.org/10.18267/j.pep.700	https://doi.org/10.18267/j.pep.700	PROPN
easat-8057	441	13	https://doi.org/10.1093/rfs/hhz025	https://doi.org/10.1093/rfs/hhz025	PROPN
easat-8057	441	14	https://doi.org/10.1093/rfs/hhy081	https://doi.org/10.1093/rfs/hhy081	PROPN
easat-8057	441	15	https://doi.org/10.1016/j.najef.2023.101911	https://doi.org/10.1016/j.najef.2023.101911	PROPN
easat-8057	441	16	https://doi.org/10.1080/00036846.2024.2331429	https://doi.org/10.1080/00036846.2024.2331429	PROPN
easat-8057	441	17	https://doi.org/10.1093/rof/rfac022	https://doi.org/10.1093/rof/rfac022	PROPN
easat-8057	441	18	https://doi.org/10.3390/su15054667	https://doi.org/10.3390/su15054667	PROPN
easat-8057	441	19	https://doi.org/10.1080/00036846.2024.2331429	https://doi.org/10.1080/00036846.2024.2331429	PROPN
easat-8057	441	20	https://doi.org/10.1093/rcfs/cfab026	https://doi.org/10.1093/rcfs/cfab026	PROPN
easat-8057	441	21	https://doi.org/10.1016/j.strueco.2024.06.011	https://doi.org/10.1016/j.strueco.2024.06.011	ADJ
easat-8057	441	22	1170	1170	NUM
easat-8057	441	23	edelweiss	edelweiss	PROPN
easat-8057	441	24	applied	apply	VERB
easat-8057	441	25	science	science	NOUN
easat-8057	441	26	and	and	CCONJ
easat-8057	441	27	technology	technology	NOUN
easat-8057	441	28	issn	issn	PROPN
easat-8057	441	29	:	:	PUNCT
easat-8057	441	30	2576	2576	NUM
easat-8057	441	31	-	-	SYM
easat-8057	441	32	8484	8484	NUM
easat-8057	441	33	vol	vol	NOUN
easat-8057	441	34	.	.	PROPN
easat-8057	442	1	9	9	NUM
easat-8057	442	2	,	,	PUNCT
easat-8057	442	3	no	no	INTJ
easat-8057	442	4	.	.	NOUN
easat-8057	442	5	6	6	NUM
easat-8057	442	6	:	:	SYM
easat-8057	442	7	1160	1160	NUM
easat-8057	442	8	-	-	SYM
easat-8057	442	9	1171	1171	NUM
easat-8057	442	10	,	,	PUNCT
easat-8057	442	11	2025	2025	NUM
easat-8057	442	12	doi	doi	NOUN
easat-8057	442	13	:	:	PUNCT
easat-8057	442	14	10.55214/25768484.v9i6.8057	10.55214/25768484.v9i6.8057	NUM
easat-8057	442	15	©	©	PROPN
easat-8057	442	16	2025	2025	NUM
easat-8057	442	17	by	by	ADP
easat-8057	442	18	the	the	DET
easat-8057	442	19	authors	author	NOUN
easat-8057	442	20	;	;	PUNCT
easat-8057	442	21	licensee	licensee	PROPN
easat-8057	442	22	learning	learning	NOUN
easat-8057	442	23	gate	gate	NOUN
easat-8057	443	1	[	[	X
easat-8057	443	2	91	91	NUM
easat-8057	443	3	]	]	X
easat-8057	443	4	w.	w.	PROPN
easat-8057	443	5	fan	fan	PROPN
easat-8057	443	6	,	,	PUNCT
easat-8057	443	7	h.	h.	PROPN
easat-8057	443	8	wu	wu	PROPN
easat-8057	443	9	,	,	PUNCT
easat-8057	443	10	and	and	CCONJ
easat-8057	443	11	y.	y.	PROPN
easat-8057	443	12	liu	liu	PROPN
easat-8057	443	13	,	,	PUNCT
easat-8057	443	14	"	"	PUNCT
easat-8057	443	15	does	do	AUX
easat-8057	443	16	digital	digital	ADJ
easat-8057	443	17	finance	finance	NOUN
easat-8057	443	18	induce	induce	VERB
easat-8057	443	19	improved	improved	ADJ
easat-8057	443	20	financing	financing	NOUN
easat-8057	443	21	for	for	ADP
easat-8057	443	22	green	green	ADJ
easat-8057	443	23	technological	technological	ADJ
easat-8057	443	24	innovation	innovation	NOUN
easat-8057	443	25	in	in	ADP
easat-8057	443	26	china	china	PROPN
easat-8057	443	27	?	?	PUNCT
easat-8057	443	28	,	,	PUNCT
easat-8057	443	29	"	"	PUNCT
easat-8057	443	30	discrete	discrete	ADJ
easat-8057	443	31	dynamics	dynamic	NOUN
easat-8057	443	32	in	in	ADP
easat-8057	443	33	nature	nature	NOUN
easat-8057	443	34	and	and	CCONJ
easat-8057	443	35	society	society	NOUN
easat-8057	443	36	,	,	PUNCT
easat-8057	443	37	article	article	NOUN
easat-8057	443	38	vol	vol	NOUN
easat-8057	443	39	.	.	PUNCT
easat-8057	443	40	2022	2022	NUM
easat-8057	443	41	,	,	PUNCT
easat-8057	443	42	p.	p.	NOUN
easat-8057	443	43	6138422	6138422	NUM
easat-8057	443	44	,	,	PUNCT
easat-8057	443	45	mar	mar	PROPN
easat-8057	443	46	16	16	NUM
easat-8057	443	47	2022	2022	NUM
easat-8057	443	48	,	,	PUNCT
easat-8057	443	49	art	art	NOUN
easat-8057	443	50	no	no	NOUN
easat-8057	443	51	.	.	PUNCT
easat-8057	443	52	6138422	6138422	NUM
easat-8057	443	53	.	.	PUNCT
easat-8057	444	1	https://doi.org/10.1155/2022/6138422	https://doi.org/10.1155/2022/6138422	NOUN
easat-8057	445	1	[	[	X
easat-8057	445	2	92	92	NUM
easat-8057	445	3	]	]	X
easat-8057	445	4	g.	g.	PROPN
easat-8057	445	5	a.	a.	PROPN
easat-8057	445	6	akerlof	akerlof	PROPN
easat-8057	445	7	,	,	PUNCT
easat-8057	445	8	"	"	PUNCT
easat-8057	445	9	the	the	DET
easat-8057	445	10	market	market	NOUN
easat-8057	445	11	for	for	ADP
easat-8057	445	12	“	"	PUNCT
easat-8057	445	13	lemons	lemon	NOUN
easat-8057	445	14	”	"	PUNCT
easat-8057	445	15	:	:	PUNCT
easat-8057	445	16	quality	quality	NOUN
easat-8057	445	17	uncertainty	uncertainty	NOUN
easat-8057	445	18	and	and	CCONJ
easat-8057	445	19	the	the	DET
easat-8057	445	20	market	market	NOUN
easat-8057	445	21	mechanism	mechanism	NOUN
easat-8057	445	22	,	,	PUNCT
easat-8057	445	23	"	"	PUNCT
easat-8057	445	24	the	the	DET
easat-8057	445	25	quarterly	quarterly	ADJ
easat-8057	445	26	journal	journal	NOUN
easat-8057	445	27	of	of	ADP
easat-8057	445	28	economics	economic	NOUN
easat-8057	445	29	,	,	PUNCT
easat-8057	445	30	vol	vol	NOUN
easat-8057	445	31	.	.	PROPN
easat-8057	445	32	84	84	NUM
easat-8057	445	33	,	,	PUNCT
easat-8057	445	34	no	no	INTJ
easat-8057	445	35	.	.	NOUN
easat-8057	445	36	3	3	NUM
easat-8057	445	37	,	,	PUNCT
easat-8057	445	38	pp	pp	ADJ
easat-8057	445	39	.	.	PUNCT
easat-8057	446	1	488	488	NUM
easat-8057	446	2	-	-	SYM
easat-8057	446	3	500	500	NUM
easat-8057	446	4	,	,	PUNCT
easat-8057	446	5	1970	1970	NUM
easat-8057	446	6	.	.	PUNCT
easat-8057	447	1	https://doi.org/10.2307/1879431	https://doi.org/10.2307/1879431	X
easat-8057	448	1	[	[	X
easat-8057	448	2	93	93	NUM
easat-8057	448	3	]	]	PUNCT
easat-8057	448	4	s.	s.	PROPN
easat-8057	448	5	c.	c.	PROPN
easat-8057	448	6	myers	myers	PROPN
easat-8057	448	7	and	and	CCONJ
easat-8057	448	8	n.	n.	PROPN
easat-8057	448	9	s.	s.	PROPN
easat-8057	448	10	majluf	majluf	PROPN
easat-8057	448	11	,	,	PUNCT
easat-8057	448	12	"	"	PUNCT
easat-8057	448	13	coporate	coporate	ADJ
easat-8057	448	14	finance	finance	NOUN
easat-8057	448	15	and	and	CCONJ
easat-8057	448	16	investment	investment	NOUN
easat-8057	448	17	dicisions	dicision	NOUN
easat-8057	448	18	when	when	SCONJ
easat-8057	448	19	firms	firm	NOUN
easat-8057	448	20	have	have	VERB
easat-8057	448	21	information	information	NOUN
easat-8057	448	22	that	that	SCONJ
easat-8057	448	23	investors	investor	NOUN
easat-8057	448	24	do	do	AUX
easat-8057	448	25	not	not	PART
easat-8057	448	26	have	have	VERB
easat-8057	448	27	,	,	PUNCT
easat-8057	448	28	"	"	PUNCT
easat-8057	448	29	journal	journal	NOUN
easat-8057	448	30	of	of	ADP
easat-8057	448	31	financial	financial	ADJ
easat-8057	448	32	economics	economic	NOUN
easat-8057	448	33	,	,	PUNCT
easat-8057	448	34	article	article	NOUN
easat-8057	448	35	vol	vol	NOUN
easat-8057	448	36	.	.	PROPN
easat-8057	448	37	13	13	NUM
easat-8057	448	38	,	,	PUNCT
easat-8057	448	39	no	no	INTJ
easat-8057	448	40	.	.	NOUN
easat-8057	448	41	2	2	NUM
easat-8057	448	42	,	,	PUNCT
easat-8057	448	43	pp	pp	ADJ
easat-8057	448	44	.	.	PUNCT
easat-8057	449	1	187	187	NUM
easat-8057	449	2	-	-	SYM
easat-8057	449	3	221	221	NUM
easat-8057	449	4	,	,	PUNCT
easat-8057	449	5	1984	1984	NUM
easat-8057	449	6	1984	1984	NUM
easat-8057	449	7	.	.	PUNCT
easat-8057	450	1	https://doi.org/10.1016/0304-405x(84)90023-0	https://doi.org/10.1016/0304-405x(84)90023-0	PROPN
easat-8057	451	1	[	[	X
easat-8057	451	2	94	94	NUM
easat-8057	451	3	]	]	X
easat-8057	451	4	a.	a.	NOUN
easat-8057	451	5	aflatooni	aflatooni	PROPN
easat-8057	451	6	and	and	CCONJ
easat-8057	451	7	m.	m.	NOUN
easat-8057	451	8	khazaei	khazaei	PROPN
easat-8057	451	9	,	,	PUNCT
easat-8057	451	10	"	"	PUNCT
easat-8057	451	11	information	information	NOUN
easat-8057	451	12	asymmetry	asymmetry	NOUN
easat-8057	451	13	,	,	PUNCT
easat-8057	451	14	leverage	leverage	NOUN
easat-8057	451	15	deviation	deviation	NOUN
easat-8057	451	16	and	and	CCONJ
easat-8057	451	17	leverage	leverage	NOUN
easat-8057	451	18	adjustment	adjustment	NOUN
easat-8057	451	19	speed	speed	NOUN
easat-8057	451	20	,	,	PUNCT
easat-8057	451	21	"	"	PUNCT
easat-8057	451	22	asian	asian	ADJ
easat-8057	451	23	journal	journal	NOUN
easat-8057	451	24	of	of	ADP
easat-8057	451	25	business	business	NOUN
easat-8057	451	26	and	and	CCONJ
easat-8057	451	27	accounting	accounting	NOUN
easat-8057	451	28	,	,	PUNCT
easat-8057	451	29	article	article	NOUN
easat-8057	451	30	vol	vol	NOUN
easat-8057	451	31	.	.	PROPN
easat-8057	452	1	13	13	NUM
easat-8057	452	2	,	,	PUNCT
easat-8057	452	3	no	no	INTJ
easat-8057	452	4	.	.	NOUN
easat-8057	452	5	1	1	NUM
easat-8057	452	6	,	,	PUNCT
easat-8057	452	7	pp	pp	ADJ
easat-8057	452	8	.	.	PUNCT
easat-8057	453	1	1	1	NUM
easat-8057	453	2	-	-	SYM
easat-8057	453	3	34	34	NUM
easat-8057	453	4	,	,	PUNCT
easat-8057	453	5	jun	jun	PROPN
easat-8057	453	6	2020	2020	NUM
easat-8057	453	7	.	.	PUNCT
easat-8057	454	1	https://doi.org/10.22452/ajba.vol13no1.1	https://doi.org/10.22452/ajba.vol13no1.1	PROPN
easat-8057	454	2	[	[	X
easat-8057	454	3	95	95	NUM
easat-8057	454	4	]	]	X
easat-8057	454	5	y.	y.	NOUN
easat-8057	454	6	song	song	PROPN
easat-8057	454	7	,	,	PUNCT
easat-8057	454	8	s.	s.	PROPN
easat-8057	454	9	lee	lee	PROPN
easat-8057	454	10	,	,	PUNCT
easat-8057	454	11	and	and	CCONJ
easat-8057	454	12	b.	b.	PROPN
easat-8057	454	13	wang	wang	PROPN
easat-8057	454	14	,	,	PUNCT
easat-8057	454	15	"	"	PUNCT
easat-8057	454	16	digital	digital	ADJ
easat-8057	454	17	finance	finance	NOUN
easat-8057	454	18	and	and	CCONJ
easat-8057	454	19	dividend	dividend	NOUN
easat-8057	454	20	policy	policy	NOUN
easat-8057	454	21	:	:	PUNCT
easat-8057	454	22	evidence	evidence	NOUN
easat-8057	454	23	from	from	ADP
easat-8057	454	24	china	china	PROPN
easat-8057	454	25	,	,	PUNCT
easat-8057	454	26	"	"	PUNCT
easat-8057	454	27	pacific	pacific	ADJ
easat-8057	454	28	-	-	PUNCT
easat-8057	454	29	basin	basin	NOUN
easat-8057	454	30	finance	finance	NOUN
easat-8057	454	31	journal	journal	NOUN
easat-8057	454	32	,	,	PUNCT
easat-8057	454	33	article	article	NOUN
easat-8057	454	34	vol	vol	NOUN
easat-8057	454	35	.	.	PROPN
easat-8057	454	36	90	90	NUM
easat-8057	454	37	,	,	PUNCT
easat-8057	454	38	apr	apr	NOUN
easat-8057	454	39	2025	2025	NUM
easat-8057	454	40	,	,	PUNCT
easat-8057	454	41	art	art	NOUN
easat-8057	454	42	no	no	NOUN
easat-8057	454	43	.	.	NOUN
easat-8057	454	44	102704	102704	NUM
easat-8057	454	45	.	.	PUNCT
easat-8057	455	1	https://doi.org/10.1016/j.pacfin.2025.102704	https://doi.org/10.1016/j.pacfin.2025.102704	NOUN
easat-8057	455	2	[	[	X
easat-8057	455	3	96	96	NUM
easat-8057	455	4	]	]	X
easat-8057	455	5	y.	y.	PROPN
easat-8057	455	6	jiang	jiang	PROPN
easat-8057	455	7	,	,	PUNCT
easat-8057	455	8	h.	h.	PROPN
easat-8057	455	9	liu	liu	PROPN
easat-8057	455	10	,	,	PUNCT
easat-8057	455	11	and	and	CCONJ
easat-8057	455	12	q.	q.	PROPN
easat-8057	455	13	yang	yang	PROPN
easat-8057	455	14	,	,	PUNCT
easat-8057	455	15	"	"	PUNCT
easat-8057	455	16	asymmetric	asymmetric	ADJ
easat-8057	455	17	information	information	NOUN
easat-8057	455	18	correlation	correlation	NOUN
easat-8057	455	19	in	in	ADP
easat-8057	455	20	financial	financial	ADJ
easat-8057	455	21	markets	market	NOUN
easat-8057	455	22	,	,	PUNCT
easat-8057	455	23	"	"	PUNCT
easat-8057	455	24	the	the	DET
easat-8057	455	25	north	north	ADJ
easat-8057	455	26	american	american	ADJ
easat-8057	455	27	journal	journal	PROPN
easat-8057	455	28	of	of	ADP
easat-8057	455	29	economics	economic	NOUN
easat-8057	455	30	and	and	CCONJ
easat-8057	455	31	finance	finance	NOUN
easat-8057	455	32	,	,	PUNCT
easat-8057	455	33	vol	vol	NOUN
easat-8057	455	34	.	.	PROPN
easat-8057	455	35	71	71	NUM
easat-8057	455	36	,	,	PUNCT
easat-8057	455	37	p.	p.	NOUN
easat-8057	455	38	102113	102113	NUM
easat-8057	455	39	,	,	PUNCT
easat-8057	455	40	2024/03/01/	2024/03/01/	NUM
easat-8057	455	41	2024	2024	NUM
easat-8057	455	42	.	.	PUNCT
easat-8057	456	1	https://doi.org/10.1016/j.najef.2024.102113	https://doi.org/10.1016/j.najef.2024.102113	ADJ
easat-8057	456	2	[	[	X
easat-8057	456	3	97	97	NUM
easat-8057	456	4	]	]	X
easat-8057	456	5	b.	b.	PROPN
easat-8057	456	6	d.	d.	PROPN
easat-8057	456	7	cohen	cohen	PROPN
easat-8057	456	8	and	and	CCONJ
easat-8057	456	9	t.	t.	PROPN
easat-8057	456	10	j.	j.	PROPN
easat-8057	456	11	dean	dean	PROPN
easat-8057	456	12	,	,	PUNCT
easat-8057	456	13	"	"	PUNCT
easat-8057	456	14	information	information	NOUN
easat-8057	456	15	asymmetry	asymmetry	NOUN
easat-8057	456	16	and	and	CCONJ
easat-8057	456	17	investor	investor	NOUN
easat-8057	456	18	valuation	valuation	NOUN
easat-8057	456	19	of	of	ADP
easat-8057	456	20	ipos	ipos	PROPN
easat-8057	456	21	:	:	PUNCT
easat-8057	456	22	top	top	ADJ
easat-8057	456	23	management	management	NOUN
easat-8057	456	24	team	team	NOUN
easat-8057	456	25	legitimacy	legitimacy	NOUN
easat-8057	456	26	as	as	ADP
easat-8057	456	27	a	a	DET
easat-8057	456	28	capital	capital	NOUN
easat-8057	456	29	market	market	NOUN
easat-8057	456	30	signal	signal	NOUN
easat-8057	456	31	,	,	PUNCT
easat-8057	456	32	"	"	PUNCT
easat-8057	456	33	strategic	strategic	ADJ
easat-8057	456	34	management	management	NOUN
easat-8057	456	35	journal	journal	NOUN
easat-8057	456	36	,	,	PUNCT
easat-8057	456	37	vol	vol	NOUN
easat-8057	456	38	.	.	PROPN
easat-8057	456	39	26	26	NUM
easat-8057	456	40	,	,	PUNCT
easat-8057	456	41	no	no	INTJ
easat-8057	456	42	.	.	NOUN
easat-8057	456	43	7	7	NUM
easat-8057	456	44	,	,	PUNCT
easat-8057	456	45	pp	pp	ADJ
easat-8057	456	46	.	.	PUNCT
easat-8057	457	1	683	683	NUM
easat-8057	457	2	-	-	SYM
easat-8057	457	3	690	690	NUM
easat-8057	457	4	,	,	PUNCT
easat-8057	457	5	jul	jul	PROPN
easat-8057	457	6	2005	2005	NUM
easat-8057	457	7	.	.	PUNCT
easat-8057	458	1	https://doi.org/10.1002/smj.463	https://doi.org/10.1002/smj.463	PROPN
easat-8057	459	1	[	[	X
easat-8057	459	2	98	98	NUM
easat-8057	459	3	]	]	PUNCT
easat-8057	459	4	h.	h.	PROPN
easat-8057	459	5	yang	yang	PROPN
easat-8057	459	6	,	,	PUNCT
easat-8057	459	7	h.	h.	PROPN
easat-8057	459	8	j.	j.	PROPN
easat-8057	459	9	ahn	ahn	PROPN
easat-8057	459	10	,	,	PUNCT
easat-8057	459	11	m.	m.	NOUN
easat-8057	459	12	h.	h.	PROPN
easat-8057	459	13	kim	kim	PROPN
easat-8057	459	14	,	,	PUNCT
easat-8057	459	15	and	and	CCONJ
easat-8057	459	16	d.	d.	PROPN
easat-8057	459	17	ryu	ryu	PROPN
easat-8057	459	18	,	,	PUNCT
easat-8057	459	19	"	"	PUNCT
easat-8057	459	20	information	information	NOUN
easat-8057	459	21	asymmetry	asymmetry	NOUN
easat-8057	459	22	and	and	CCONJ
easat-8057	459	23	investor	investor	NOUN
easat-8057	459	24	trading	trading	NOUN
easat-8057	459	25	behavior	behavior	NOUN
easat-8057	459	26	around	around	ADP
easat-8057	459	27	bond	bond	NOUN
easat-8057	459	28	rating	rating	NOUN
easat-8057	459	29	change	change	NOUN
easat-8057	459	30	announcements	announcement	NOUN
easat-8057	459	31	,	,	PUNCT
easat-8057	459	32	"	"	PUNCT
easat-8057	459	33	emerging	emerge	VERB
easat-8057	459	34	markets	market	NOUN
easat-8057	459	35	review	review	VERB
easat-8057	459	36	,	,	PUNCT
easat-8057	459	37	vol	vol	NOUN
easat-8057	459	38	.	.	PROPN
easat-8057	459	39	32	32	NUM
easat-8057	459	40	,	,	PUNCT
easat-8057	459	41	pp	pp	ADJ
easat-8057	459	42	.	.	PUNCT
easat-8057	460	1	38	38	NUM
easat-8057	460	2	-	-	SYM
easat-8057	460	3	51	51	NUM
easat-8057	460	4	,	,	PUNCT
easat-8057	460	5	sep	sep	PROPN
easat-8057	460	6	2017	2017	NUM
easat-8057	460	7	.	.	PUNCT
easat-8057	461	1	https://doi.org/10.1016/j.ememar.2017.05.004	https://doi.org/10.1016/j.ememar.2017.05.004	PROPN
easat-8057	461	2	[	[	X
easat-8057	461	3	99	99	NUM
easat-8057	461	4	]	]	X
easat-8057	461	5	f.	f.	PROPN
easat-8057	461	6	modigliani	modigliani	PROPN
easat-8057	461	7	and	and	CCONJ
easat-8057	461	8	m.	m.	PROPN
easat-8057	461	9	h.	h.	PROPN
easat-8057	461	10	miller	miller	PROPN
easat-8057	461	11	,	,	PUNCT
easat-8057	461	12	"	"	PUNCT
easat-8057	461	13	the	the	DET
easat-8057	461	14	cost	cost	NOUN
easat-8057	461	15	of	of	ADP
easat-8057	461	16	capital	capital	NOUN
easat-8057	461	17	,	,	PUNCT
easat-8057	461	18	corporation	corporation	NOUN
easat-8057	461	19	finance	finance	NOUN
easat-8057	461	20	and	and	CCONJ
easat-8057	461	21	the	the	DET
easat-8057	461	22	theory	theory	NOUN
easat-8057	461	23	of	of	ADP
easat-8057	461	24	investment	investment	NOUN
easat-8057	461	25	,	,	PUNCT
easat-8057	461	26	"	"	PUNCT
easat-8057	461	27	american	american	PROPN
easat-8057	461	28	economic	economic	PROPN
easat-8057	461	29	review	review	PROPN
easat-8057	461	30	,	,	PUNCT
easat-8057	461	31	vol	vol	NOUN
easat-8057	461	32	.	.	PROPN
easat-8057	462	1	48	48	NUM
easat-8057	462	2	,	,	PUNCT
easat-8057	462	3	no	no	INTJ
easat-8057	462	4	.	.	NOUN
easat-8057	462	5	3	3	NUM
easat-8057	462	6	,	,	PUNCT
easat-8057	462	7	pp	pp	ADJ
easat-8057	462	8	.	.	PUNCT
easat-8057	463	1	261	261	NUM
easat-8057	463	2	-	-	SYM
easat-8057	463	3	297	297	NUM
easat-8057	463	4	,	,	PUNCT
easat-8057	463	5	1958	1958	NUM
easat-8057	463	6	1958	1958	NUM
easat-8057	463	7	.	.	PUNCT
easat-8057	464	1	[	[	X
easat-8057	464	2	100	100	NUM
easat-8057	464	3	]	]	PUNCT
easat-8057	464	4	c.	c.	PROPN
easat-8057	464	5	zhu	zhu	PROPN
easat-8057	464	6	,	,	PUNCT
easat-8057	464	7	"	"	PUNCT
easat-8057	464	8	big	big	ADJ
easat-8057	464	9	data	datum	NOUN
easat-8057	464	10	as	as	ADP
easat-8057	464	11	a	a	DET
easat-8057	464	12	governance	governance	NOUN
easat-8057	464	13	mechanism	mechanism	NOUN
easat-8057	464	14	,	,	PUNCT
easat-8057	464	15	"	"	PUNCT
easat-8057	464	16	review	review	NOUN
easat-8057	464	17	of	of	ADP
easat-8057	464	18	financial	financial	ADJ
easat-8057	464	19	studies	study	NOUN
easat-8057	464	20	,	,	PUNCT
easat-8057	464	21	article	article	NOUN
easat-8057	464	22	vol	vol	NOUN
easat-8057	464	23	.	.	PROPN
easat-8057	465	1	32	32	NUM
easat-8057	465	2	,	,	PUNCT
easat-8057	465	3	no	no	INTJ
easat-8057	465	4	.	.	NOUN
easat-8057	465	5	5	5	NUM
easat-8057	465	6	,	,	PUNCT
easat-8057	465	7	pp	pp	ADJ
easat-8057	465	8	.	.	PUNCT
easat-8057	466	1	2021	2021	NUM
easat-8057	466	2	-	-	SYM
easat-8057	466	3	2061	2061	NUM
easat-8057	466	4	,	,	PUNCT
easat-8057	466	5	may	may	PROPN
easat-8057	466	6	2019	2019	NUM
easat-8057	466	7	.	.	PUNCT
easat-8057	467	1	10.1093	10.1093	NUM
easat-8057	467	2	/	/	SYM
easat-8057	467	3	rfs	rfs	PROPN
easat-8057	467	4	/	/	SYM
easat-8057	467	5	hhy081	hhy081	PROPN
easat-8057	467	6	[	[	X
easat-8057	467	7	101	101	NUM
easat-8057	467	8	]	]	PUNCT
easat-8057	467	9	j.	j.	PROPN
easat-8057	467	10	jagtiani	jagtiani	PROPN
easat-8057	467	11	and	and	CCONJ
easat-8057	467	12	c.	c.	PROPN
easat-8057	467	13	lemieux	lemieux	PROPN
easat-8057	467	14	,	,	PUNCT
easat-8057	467	15	"	"	PUNCT
easat-8057	467	16	the	the	DET
easat-8057	467	17	roles	role	NOUN
easat-8057	467	18	of	of	ADP
easat-8057	467	19	alternative	alternative	ADJ
easat-8057	467	20	data	datum	NOUN
easat-8057	467	21	and	and	CCONJ
easat-8057	467	22	machine	machine	NOUN
easat-8057	467	23	learning	learning	NOUN
easat-8057	467	24	in	in	ADP
easat-8057	467	25	fintech	fintech	NOUN
easat-8057	467	26	lending	lending	NOUN
easat-8057	467	27	:	:	PUNCT
easat-8057	467	28	evidence	evidence	NOUN
easat-8057	467	29	from	from	ADP
easat-8057	467	30	the	the	DET
easat-8057	467	31	lendingclub	lendingclub	NOUN
easat-8057	467	32	consumer	consumer	NOUN
easat-8057	467	33	platform	platform	NOUN
easat-8057	467	34	,	,	PUNCT
easat-8057	467	35	"	"	PUNCT
easat-8057	467	36	financial	financial	ADJ
easat-8057	467	37	management	management	NOUN
easat-8057	467	38	,	,	PUNCT
easat-8057	467	39	article	article	NOUN
easat-8057	467	40	vol	vol	NOUN
easat-8057	467	41	.	.	PROPN
easat-8057	467	42	48	48	NUM
easat-8057	467	43	,	,	PUNCT
easat-8057	467	44	no	no	INTJ
easat-8057	467	45	.	.	NOUN
easat-8057	467	46	4	4	NUM
easat-8057	467	47	,	,	PUNCT
easat-8057	467	48	pp	pp	ADJ
easat-8057	467	49	.	.	PUNCT
easat-8057	467	50	1009	1009	NUM
easat-8057	467	51	-	-	SYM
easat-8057	467	52	1029	1029	NUM
easat-8057	467	53	,	,	PUNCT
easat-8057	467	54	dec	dec	PROPN
easat-8057	467	55	2019	2019	NUM
easat-8057	467	56	.	.	PUNCT
easat-8057	468	1	https://doi.org/10.1111/fima.12295	https://doi.org/10.1111/fima.12295	NOUN
easat-8057	469	1	[	[	X
easat-8057	469	2	102	102	NUM
easat-8057	469	3	]	]	X
easat-8057	469	4	c.	c.	PROPN
easat-8057	469	5	croux	croux	PROPN
easat-8057	469	6	,	,	PUNCT
easat-8057	469	7	j.	j.	PROPN
easat-8057	469	8	jagtiani	jagtiani	PROPN
easat-8057	469	9	,	,	PUNCT
easat-8057	469	10	t.	t.	PROPN
easat-8057	469	11	korivi	korivi	PROPN
easat-8057	469	12	,	,	PUNCT
easat-8057	469	13	and	and	CCONJ
easat-8057	469	14	m.	m.	NOUN
easat-8057	469	15	vulanovic	vulanovic	NOUN
easat-8057	469	16	,	,	PUNCT
easat-8057	469	17	"	"	PUNCT
easat-8057	469	18	important	important	ADJ
easat-8057	469	19	factors	factor	NOUN
easat-8057	469	20	determining	determine	VERB
easat-8057	469	21	fintech	fintech	NOUN
easat-8057	469	22	loan	loan	NOUN
easat-8057	469	23	default	default	NOUN
easat-8057	469	24	:	:	PUNCT
easat-8057	469	25	evidence	evidence	NOUN
easat-8057	469	26	from	from	ADP
easat-8057	469	27	a	a	DET
easat-8057	469	28	lendingclub	lendingclub	NOUN
easat-8057	469	29	consumer	consumer	NOUN
easat-8057	469	30	platform	platform	NOUN
easat-8057	469	31	,	,	PUNCT
easat-8057	469	32	"	"	PUNCT
easat-8057	469	33	journal	journal	NOUN
easat-8057	469	34	of	of	ADP
easat-8057	469	35	economic	economic	ADJ
easat-8057	469	36	behavior	behavior	NOUN
easat-8057	469	37	&	&	CCONJ
easat-8057	469	38	organization	organization	PROPN
easat-8057	469	39	,	,	PUNCT
easat-8057	469	40	article	article	NOUN
easat-8057	469	41	vol	vol	NOUN
easat-8057	469	42	.	.	PROPN
easat-8057	469	43	173	173	NUM
easat-8057	469	44	,	,	PUNCT
easat-8057	469	45	pp	pp	ADJ
easat-8057	469	46	.	.	PUNCT
easat-8057	470	1	270	270	NUM
easat-8057	470	2	-	-	SYM
easat-8057	470	3	296	296	NUM
easat-8057	470	4	,	,	PUNCT
easat-8057	470	5	may	may	AUX
easat-8057	470	6	2020	2020	NUM
easat-8057	470	7	.	.	PUNCT
easat-8057	471	1	https://doi.org/10.1016/j.jebo.2020.03.016	https://doi.org/10.1016/j.jebo.2020.03.016	PROPN
easat-8057	471	2	[	[	X
easat-8057	471	3	103	103	NUM
easat-8057	471	4	]	]	X
easat-8057	471	5	d.	d.	PROPN
easat-8057	471	6	d.	d.	PROPN
easat-8057	471	7	jayasuriya	jayasuriya	PROPN
easat-8057	471	8	,	,	PUNCT
easat-8057	471	9	m.	m.	PROPN
easat-8057	471	10	ayaz	ayaz	PROPN
easat-8057	471	11	,	,	PUNCT
easat-8057	471	12	and	and	CCONJ
easat-8057	471	13	m.	m.	PROPN
easat-8057	471	14	williams	williams	PROPN
easat-8057	471	15	,	,	PUNCT
easat-8057	471	16	"	"	PUNCT
easat-8057	471	17	the	the	DET
easat-8057	471	18	use	use	NOUN
easat-8057	471	19	of	of	ADP
easat-8057	471	20	digital	digital	ADJ
easat-8057	471	21	footprints	footprint	NOUN
easat-8057	471	22	in	in	ADP
easat-8057	471	23	the	the	DET
easat-8057	471	24	us	us	PROPN
easat-8057	471	25	mortgage	mortgage	NOUN
easat-8057	471	26	market	market	NOUN
easat-8057	471	27	,	,	PUNCT
easat-8057	471	28	"	"	PUNCT
easat-8057	471	29	accounting	accounting	NOUN
easat-8057	471	30	and	and	CCONJ
easat-8057	471	31	finance	finance	NOUN
easat-8057	471	32	,	,	PUNCT
easat-8057	471	33	article	article	NOUN
easat-8057	471	34	vol	vol	NOUN
easat-8057	471	35	.	.	PROPN
easat-8057	472	1	63	63	NUM
easat-8057	472	2	,	,	PUNCT
easat-8057	472	3	no	no	INTJ
easat-8057	472	4	.	.	NOUN
easat-8057	472	5	1	1	NUM
easat-8057	472	6	,	,	PUNCT
easat-8057	472	7	pp	pp	ADJ
easat-8057	472	8	.	.	PUNCT
easat-8057	473	1	353	353	NUM
easat-8057	473	2	-	-	SYM
easat-8057	473	3	401	401	NUM
easat-8057	473	4	,	,	PUNCT
easat-8057	473	5	mar	mar	PROPN
easat-8057	473	6	2023	2023	NUM
easat-8057	473	7	,	,	PUNCT
easat-8057	473	8	art	art	NOUN
easat-8057	473	9	no	no	NOUN
easat-8057	473	10	.	.	PUNCT
easat-8057	474	1	e12946	e12946	ADJ
easat-8057	474	2	.	.	PUNCT
easat-8057	475	1	https://doi.org/10.1111/acfi.12946	https://doi.org/10.1111/acfi.12946	NOUN
easat-8057	476	1	[	[	X
easat-8057	476	2	104	104	NUM
easat-8057	476	3	]	]	PUNCT
easat-8057	476	4	b.	b.	PROPN
easat-8057	476	5	vallee	vallee	PROPN
easat-8057	476	6	and	and	CCONJ
easat-8057	476	7	y.	y.	PROPN
easat-8057	476	8	zeng	zeng	PROPN
easat-8057	476	9	,	,	PUNCT
easat-8057	476	10	"	"	PUNCT
easat-8057	476	11	marketplace	marketplace	NOUN
easat-8057	476	12	lending	lending	NOUN
easat-8057	476	13	:	:	PUNCT
easat-8057	476	14	a	a	DET
easat-8057	476	15	new	new	ADJ
easat-8057	476	16	banking	banking	NOUN
easat-8057	476	17	paradigm	paradigm	NOUN
easat-8057	476	18	?	?	PUNCT
easat-8057	476	19	,	,	PUNCT
easat-8057	476	20	"	"	PUNCT
easat-8057	476	21	review	review	NOUN
easat-8057	476	22	of	of	ADP
easat-8057	476	23	financial	financial	ADJ
easat-8057	476	24	studies	study	NOUN
easat-8057	476	25	,	,	PUNCT
easat-8057	476	26	article	article	NOUN
easat-8057	476	27	vol	vol	NOUN
easat-8057	476	28	.	.	PROPN
easat-8057	477	1	32	32	NUM
easat-8057	477	2	,	,	PUNCT
easat-8057	477	3	no	no	INTJ
easat-8057	477	4	.	.	NOUN
easat-8057	477	5	5	5	NUM
easat-8057	477	6	,	,	PUNCT
easat-8057	477	7	pp	pp	ADJ
easat-8057	477	8	.	.	PUNCT
easat-8057	478	1	1939	1939	NUM
easat-8057	478	2	-	-	SYM
easat-8057	478	3	1982	1982	NUM
easat-8057	478	4	,	,	PUNCT
easat-8057	478	5	may	may	AUX
easat-8057	478	6	2019	2019	NUM
easat-8057	478	7	.	.	PUNCT
easat-8057	479	1	https://doi.org/10.1093/rfs/hhy100	https://doi.org/10.1093/rfs/hhy100	PROPN
easat-8057	480	1	[	[	X
easat-8057	480	2	105	105	NUM
easat-8057	480	3	]	]	X
easat-8057	480	4	m.	m.	NOUN
easat-8057	480	5	moscatelli	moscatelli	PROPN
easat-8057	480	6	,	,	PUNCT
easat-8057	480	7	f.	f.	PROPN
easat-8057	480	8	parlapiano	parlapiano	PROPN
easat-8057	480	9	,	,	PUNCT
easat-8057	480	10	s.	s.	PROPN
easat-8057	480	11	narizzano	narizzano	PROPN
easat-8057	480	12	,	,	PUNCT
easat-8057	480	13	and	and	CCONJ
easat-8057	480	14	g.	g.	PROPN
easat-8057	480	15	viggiano	viggiano	PROPN
easat-8057	480	16	,	,	PUNCT
easat-8057	480	17	"	"	PUNCT
easat-8057	480	18	corporate	corporate	ADJ
easat-8057	480	19	default	default	NOUN
easat-8057	480	20	forecasting	forecasting	NOUN
easat-8057	480	21	with	with	ADP
easat-8057	480	22	machine	machine	NOUN
easat-8057	480	23	learning	learning	NOUN
easat-8057	480	24	,	,	PUNCT
easat-8057	480	25	"	"	PUNCT
easat-8057	480	26	expert	expert	NOUN
easat-8057	480	27	systems	system	NOUN
easat-8057	480	28	with	with	ADP
easat-8057	480	29	applications	application	NOUN
easat-8057	480	30	,	,	PUNCT
easat-8057	480	31	article	article	NOUN
easat-8057	480	32	vol	vol	NOUN
easat-8057	480	33	.	.	PROPN
easat-8057	480	34	161	161	NUM
easat-8057	480	35	,	,	PUNCT
easat-8057	480	36	p.	p.	NOUN
easat-8057	480	37	113567	113567	NUM
easat-8057	480	38	,	,	PUNCT
easat-8057	480	39	dec	dec	PROPN
easat-8057	480	40	15	15	NUM
easat-8057	480	41	2020	2020	NUM
easat-8057	480	42	,	,	PUNCT
easat-8057	480	43	art	art	NOUN
easat-8057	480	44	no	no	NOUN
easat-8057	480	45	.	.	PROPN
easat-8057	480	46	113567	113567	NUM
easat-8057	480	47	.	.	PUNCT
easat-8057	481	1	https://doi.org/10.1016/j.eswa.2020.113567	https://doi.org/10.1016/j.eswa.2020.113567	NOUN
easat-8057	481	2	[	[	X
easat-8057	481	3	106	106	NUM
easat-8057	481	4	]	]	X
easat-8057	481	5	j.	j.	PROPN
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easat-8057	481	7	-	-	PUNCT
easat-8057	481	8	mensa	mensa	PROPN
easat-8057	481	9	and	and	CCONJ
easat-8057	481	10	a.	a.	NOUN
easat-8057	481	11	ljungqvist	ljungqvist	NOUN
easat-8057	481	12	,	,	PUNCT
easat-8057	481	13	"	"	PUNCT
easat-8057	481	14	do	do	VERB
easat-8057	481	15	measures	measure	NOUN
easat-8057	481	16	of	of	ADP
easat-8057	481	17	financial	financial	ADJ
easat-8057	481	18	constraints	constraint	NOUN
easat-8057	481	19	measure	measure	VERB
easat-8057	481	20	financial	financial	ADJ
easat-8057	481	21	constraints	constraint	NOUN
easat-8057	481	22	?	?	PUNCT
easat-8057	481	23	,	,	PUNCT
easat-8057	481	24	"	"	PUNCT
easat-8057	481	25	review	review	NOUN
easat-8057	481	26	of	of	ADP
easat-8057	481	27	financial	financial	ADJ
easat-8057	481	28	studies	study	NOUN
easat-8057	481	29	,	,	PUNCT
easat-8057	481	30	vol	vol	NOUN
easat-8057	481	31	.	.	PROPN
easat-8057	481	32	29	29	NUM
easat-8057	481	33	,	,	PUNCT
easat-8057	481	34	no	no	INTJ
easat-8057	481	35	.	.	NOUN
easat-8057	481	36	2	2	NUM
easat-8057	481	37	,	,	PUNCT
easat-8057	481	38	pp	pp	ADJ
easat-8057	481	39	.	.	PUNCT
easat-8057	482	1	271	271	NUM
easat-8057	482	2	-	-	SYM
easat-8057	482	3	308	308	NUM
easat-8057	482	4	,	,	PUNCT
easat-8057	482	5	feb	feb	PROPN
easat-8057	482	6	2016	2016	NUM
easat-8057	482	7	.	.	PUNCT
easat-8057	483	1	https://doi.org/10.1093/rfs/hhv052	https://doi.org/10.1093/rfs/hhv052	PROPN
easat-8057	484	1	[	[	X
easat-8057	484	2	107	107	NUM
easat-8057	484	3	]	]	PUNCT
easat-8057	484	4	j.	j.	PROPN
easat-8057	484	5	e.	e.	PROPN
easat-8057	484	6	stiglitz	stiglitz	PROPN
easat-8057	484	7	and	and	CCONJ
easat-8057	484	8	a.	a.	NOUN
easat-8057	484	9	weiss	weiss	PROPN
easat-8057	484	10	,	,	PUNCT
easat-8057	484	11	"	"	PUNCT
easat-8057	484	12	credit	credit	NOUN
easat-8057	484	13	rationing	rationing	NOUN
easat-8057	484	14	in	in	ADP
easat-8057	484	15	markets	market	NOUN
easat-8057	484	16	with	with	ADP
easat-8057	484	17	imperfect	imperfect	ADJ
easat-8057	484	18	information	information	NOUN
easat-8057	484	19	,	,	PUNCT
easat-8057	484	20	"	"	PUNCT
easat-8057	484	21	american	american	PROPN
easat-8057	484	22	economic	economic	PROPN
easat-8057	484	23	review	review	PROPN
easat-8057	484	24	,	,	PUNCT
easat-8057	484	25	article	article	NOUN
easat-8057	484	26	vol	vol	NOUN
easat-8057	484	27	.	.	PROPN
easat-8057	485	1	71	71	NUM
easat-8057	485	2	,	,	PUNCT
easat-8057	485	3	no	no	INTJ
easat-8057	485	4	.	.	NOUN
easat-8057	485	5	3	3	NUM
easat-8057	485	6	,	,	PUNCT
easat-8057	485	7	pp	pp	ADJ
easat-8057	485	8	.	.	PUNCT
easat-8057	486	1	393	393	NUM
easat-8057	486	2	-	-	SYM
easat-8057	486	3	410	410	NUM
easat-8057	486	4	,	,	PUNCT
easat-8057	486	5	1981	1981	NUM
easat-8057	486	6	1981	1981	NUM
easat-8057	486	7	.	.	PUNCT
easat-8057	487	1	[	[	X
easat-8057	487	2	108	108	NUM
easat-8057	487	3	]	]	PUNCT
easat-8057	487	4	t.	t.	NOUN
easat-8057	487	5	m.	m.	NOUN
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easat-8057	487	7	and	and	CCONJ
easat-8057	487	8	g.	g.	PROPN
easat-8057	487	9	j.	j.	PROPN
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easat-8057	487	11	,	,	PUNCT
easat-8057	487	12	"	"	PUNCT
easat-8057	487	13	financial	financial	ADJ
easat-8057	487	14	constraints	constraint	NOUN
easat-8057	487	15	risk	risk	NOUN
easat-8057	487	16	,	,	PUNCT
easat-8057	487	17	"	"	PUNCT
easat-8057	487	18	review	review	NOUN
easat-8057	487	19	of	of	ADP
easat-8057	487	20	financial	financial	ADJ
easat-8057	487	21	studies	study	NOUN
easat-8057	487	22	,	,	PUNCT
easat-8057	487	23	article	article	NOUN
easat-8057	487	24	vol	vol	NOUN
easat-8057	487	25	.	.	PROPN
easat-8057	488	1	19	19	NUM
easat-8057	488	2	,	,	PUNCT
easat-8057	488	3	no	no	INTJ
easat-8057	488	4	.	.	NOUN
easat-8057	488	5	2	2	NUM
easat-8057	488	6	,	,	PUNCT
easat-8057	488	7	pp	pp	ADJ
easat-8057	488	8	.	.	PUNCT
easat-8057	489	1	531559	531559	NUM
easat-8057	489	2	,	,	PUNCT
easat-8057	489	3	sum	sum	NOUN
easat-8057	489	4	2006	2006	NUM
easat-8057	489	5	.	.	PUNCT
easat-8057	490	1	https://doi.org/10.1093/rfs/hhj012	https://doi.org/10.1093/rfs/hhj012	PROPN
easat-8057	490	2	[	[	X
easat-8057	490	3	109	109	NUM
easat-8057	490	4	]	]	PUNCT
easat-8057	490	5	s.	s.	PROPN
easat-8057	490	6	kumar	kumar	PROPN
easat-8057	490	7	and	and	CCONJ
easat-8057	490	8	k.	k.	PROPN
easat-8057	490	9	s.	s.	PROPN
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easat-8057	490	11	,	,	PUNCT
easat-8057	490	12	"	"	PUNCT
easat-8057	490	13	financial	financial	ADJ
easat-8057	490	14	constraints	constraint	NOUN
easat-8057	490	15	and	and	CCONJ
easat-8057	490	16	investment	investment	NOUN
easat-8057	490	17	decisions	decision	NOUN
easat-8057	490	18	of	of	ADP
easat-8057	490	19	listed	list	VERB
easat-8057	490	20	indian	indian	ADJ
easat-8057	490	21	manufacturing	manufacturing	NOUN
easat-8057	490	22	firms	firm	NOUN
easat-8057	490	23	,	,	PUNCT
easat-8057	490	24	"	"	PUNCT
easat-8057	490	25	financial	financial	ADJ
easat-8057	490	26	innovation	innovation	NOUN
easat-8057	490	27	,	,	PUNCT
easat-8057	490	28	vol	vol	NOUN
easat-8057	490	29	.	.	PROPN
easat-8057	490	30	4	4	NUM
easat-8057	490	31	,	,	PUNCT
easat-8057	490	32	no	no	INTJ
easat-8057	490	33	.	.	NOUN
easat-8057	490	34	1	1	NUM
easat-8057	490	35	,	,	PUNCT
easat-8057	490	36	p.	p.	NOUN
easat-8057	490	37	6	6	NUM
easat-8057	490	38	,	,	PUNCT
easat-8057	490	39	dec	dec	PROPN
easat-8057	490	40	2018	2018	NUM
easat-8057	490	41	,	,	PUNCT
easat-8057	490	42	art	art	NOUN
easat-8057	490	43	no	no	NOUN
easat-8057	490	44	.	.	NOUN
easat-8057	491	1	6	6	NUM
easat-8057	491	2	.	.	NUM
easat-8057	492	1	https://doi.org/10.1186/s40854-018-0090-4	https://doi.org/10.1186/s40854-018-0090-4	NUM
easat-8057	493	1	[	[	X
easat-8057	493	2	110	110	NUM
easat-8057	493	3	]	]	PUNCT
easat-8057	493	4	t.	t.	PROPN
easat-8057	493	5	v.	v.	PROPN
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easat-8057	493	8	y.	y.	PROPN
easat-8057	493	9	a.	a.	PROPN
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easat-8057	493	12	and	and	CCONJ
easat-8057	493	13	z.	z.	PROPN
easat-8057	493	14	g.	g.	PROPN
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easat-8057	493	16	,	,	PUNCT
easat-8057	493	17	"	"	PUNCT
easat-8057	493	18	the	the	DET
easat-8057	493	19	role	role	NOUN
easat-8057	493	20	of	of	ADP
easat-8057	493	21	financial	financial	ADJ
easat-8057	493	22	constraints	constraint	NOUN
easat-8057	493	23	in	in	ADP
easat-8057	493	24	firm	firm	ADJ
easat-8057	493	25	investment	investment	NOUN
easat-8057	493	26	under	under	ADP
easat-8057	493	27	pollution	pollution	NOUN
easat-8057	493	28	abatement	abatement	NOUN
easat-8057	493	29	regulation	regulation	NOUN
easat-8057	493	30	,	,	PUNCT
easat-8057	493	31	"	"	PUNCT
easat-8057	493	32	journal	journal	NOUN
easat-8057	493	33	of	of	ADP
easat-8057	493	34	corporate	corporate	ADJ
easat-8057	493	35	finance	finance	NOUN
easat-8057	493	36	,	,	PUNCT
easat-8057	493	37	vol	vol	NOUN
easat-8057	493	38	.	.	PROPN
easat-8057	493	39	76	76	NUM
easat-8057	493	40	,	,	PUNCT
easat-8057	493	41	p.	p.	NOUN
easat-8057	493	42	102252	102252	NUM
easat-8057	493	43	,	,	PUNCT
easat-8057	493	44	oct	oct	PROPN
easat-8057	493	45	2022	2022	NUM
easat-8057	493	46	,	,	PUNCT
easat-8057	493	47	art	art	NOUN
easat-8057	493	48	no	no	NOUN
easat-8057	493	49	.	.	PROPN
easat-8057	493	50	102252	102252	NUM
easat-8057	493	51	.	.	PUNCT
easat-8057	494	1	https://doi.org/10.1016/j.jcorpfin.2022.102252	https://doi.org/10.1016/j.jcorpfin.2022.102252	PROPN
easat-8057	495	1	[	[	X
easat-8057	495	2	111	111	NUM
easat-8057	495	3	]	]	PUNCT
easat-8057	495	4	s.	s.	PROPN
easat-8057	495	5	h.	h.	PROPN
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easat-8057	495	7	,	,	PUNCT
easat-8057	495	8	m.	m.	NOUN
easat-8057	495	9	t.	t.	PROPN
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easat-8057	495	11	,	,	PUNCT
easat-8057	495	12	and	and	CCONJ
easat-8057	495	13	r.	r.	PROPN
easat-8057	495	14	mura	mura	PROPN
easat-8057	495	15	,	,	PUNCT
easat-8057	495	16	"	"	PUNCT
easat-8057	495	17	corporate	corporate	ADJ
easat-8057	495	18	acquisitions	acquisition	NOUN
easat-8057	495	19	and	and	CCONJ
easat-8057	495	20	financial	financial	ADJ
easat-8057	495	21	constraints	constraint	NOUN
easat-8057	495	22	,	,	PUNCT
easat-8057	495	23	"	"	PUNCT
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easat-8057	495	25	review	review	NOUN
easat-8057	495	26	of	of	ADP
easat-8057	495	27	financial	financial	ADJ
easat-8057	495	28	analysis	analysis	NOUN
easat-8057	495	29	,	,	PUNCT
easat-8057	495	30	vol	vol	NOUN
easat-8057	495	31	.	.	PROPN
easat-8057	495	32	40	40	NUM
easat-8057	495	33	,	,	PUNCT
easat-8057	495	34	pp	pp	ADJ
easat-8057	495	35	.	.	PUNCT
easat-8057	496	1	107	107	NUM
easat-8057	496	2	-	-	SYM
easat-8057	496	3	121	121	NUM
easat-8057	496	4	,	,	PUNCT
easat-8057	496	5	jul	jul	PROPN
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easat-8057	496	7	.	.	PUNCT
easat-8057	497	1	https://doi.org/10.1016/j.irfa.2015.05.007	https://doi.org/10.1016/j.irfa.2015.05.007	NOUN
easat-8057	497	2	[	[	X
easat-8057	497	3	112	112	NUM
easat-8057	497	4	]	]	PUNCT
easat-8057	497	5	e.	e.	PROPN
easat-8057	497	6	de	de	PROPN
easat-8057	497	7	bodt	bodt	PROPN
easat-8057	497	8	,	,	PUNCT
easat-8057	497	9	j.	j.	PROPN
easat-8057	497	10	g.	g.	PROPN
easat-8057	497	11	cousin	cousin	PROPN
easat-8057	497	12	,	,	PUNCT
easat-8057	497	13	and	and	CCONJ
easat-8057	497	14	m.	m.	NOUN
easat-8057	497	15	s.	s.	PROPN
easat-8057	497	16	officer	officer	PROPN
easat-8057	497	17	,	,	PUNCT
easat-8057	497	18	"	"	PUNCT
easat-8057	497	19	financial	financial	ADJ
easat-8057	497	20	constraints	constraint	NOUN
easat-8057	497	21	,	,	PUNCT
easat-8057	497	22	ownership	ownership	NOUN
easat-8057	497	23	dilution	dilution	NOUN
easat-8057	497	24	,	,	PUNCT
easat-8057	497	25	and	and	CCONJ
easat-8057	497	26	the	the	DET
easat-8057	497	27	method	method	NOUN
easat-8057	497	28	of	of	ADP
easat-8057	497	29	payment	payment	NOUN
easat-8057	497	30	in	in	ADP
easat-8057	497	31	m&a	m&a	PROPN
easat-8057	497	32	transactions	transaction	NOUN
easat-8057	497	33	,	,	PUNCT
easat-8057	497	34	"	"	PUNCT
easat-8057	497	35	journal	journal	NOUN
easat-8057	497	36	of	of	ADP
easat-8057	497	37	corporate	corporate	ADJ
easat-8057	497	38	finance	finance	NOUN
easat-8057	497	39	,	,	PUNCT
easat-8057	497	40	vol	vol	NOUN
easat-8057	497	41	.	.	PROPN
easat-8057	498	1	75	75	NUM
easat-8057	498	2	,	,	PUNCT
easat-8057	498	3	p.	p.	NOUN
easat-8057	498	4	102250	102250	NUM
easat-8057	498	5	,	,	PUNCT
easat-8057	498	6	aug	aug	PROPN
easat-8057	498	7	2022	2022	NUM
easat-8057	498	8	,	,	PUNCT
easat-8057	498	9	art	art	NOUN
easat-8057	498	10	no	no	NOUN
easat-8057	498	11	.	.	PUNCT
easat-8057	499	1	102250	102250	NUM
easat-8057	499	2	.	.	PUNCT
easat-8057	500	1	https://doi.org/10.1016/j.jcorpfin.2022.102250	https://doi.org/10.1016/j.jcorpfin.2022.102250	PROPN
easat-8057	500	2	[	[	X
easat-8057	500	3	113	113	NUM
easat-8057	500	4	]	]	X
easat-8057	500	5	d.	d.	PROPN
easat-8057	500	6	gyimah	gyimah	PROPN
easat-8057	500	7	,	,	PUNCT
easat-8057	500	8	a.	a.	NOUN
easat-8057	500	9	siganos	sigano	NOUN
easat-8057	500	10	,	,	PUNCT
easat-8057	500	11	and	and	CCONJ
easat-8057	500	12	c.	c.	PROPN
easat-8057	500	13	veld	veld	PROPN
easat-8057	500	14	,	,	PUNCT
easat-8057	500	15	"	"	PUNCT
easat-8057	500	16	effects	effect	NOUN
easat-8057	500	17	of	of	ADP
easat-8057	500	18	financial	financial	ADJ
easat-8057	500	19	constraints	constraint	NOUN
easat-8057	500	20	and	and	CCONJ
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easat-8057	500	44	,	,	PUNCT
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easat-8057	502	1	311	311	NUM
easat-8057	502	2	-	-	SYM
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easat-8057	502	7	.	.	PUNCT
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easat-8057	505	6	:	:	SYM
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easat-8057	505	8	-	-	SYM
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easat-8057	507	5	"	"	PUNCT
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easat-8057	508	2	-	-	SYM
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easat-8057	508	7	.	.	PUNCT
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easat-8057	510	1	[	[	X
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easat-8057	510	23	"	"	PUNCT
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easat-8057	510	36	,	,	PUNCT
easat-8057	510	37	pp	pp	ADJ
easat-8057	510	38	.	.	PUNCT
easat-8057	511	1	3122	3122	NUM
easat-8057	511	2	-	-	SYM
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easat-8057	511	4	,	,	PUNCT
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easat-8057	513	2	117	117	NUM
easat-8057	513	3	]	]	PUNCT
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easat-8057	513	10	g.	g.	PROPN
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easat-8057	513	13	and	and	CCONJ
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easat-8057	513	20	and	and	CCONJ
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easat-8057	513	30	"	"	PUNCT
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