id	sid	eid	entity	type
framr-4075	1	1	1	CARDINAL
framr-4075	1	2	2025	CARDINAL
framr-4075	4	1	2025	CARDINAL
framr-4075	5	1	11	CARDINAL
framr-4075	5	2	1	CARDINAL
framr-4075	6	1	1-36	CARDINAL
framr-4075	6	2	2411-6408	DATE
framr-4075	6	3	2412-3404	DATE
framr-4075	6	4	10.18488/89.v11i1.4075	CARDINAL
framr-4075	6	5	2023	CARDINAL
framr-4075	8	1	tanchangya1	PERSON
framr-4075	8	2	md rakib	GPE
framr-4075	8	3	mia3	DATE
framr-4075	8	4	chowdhury4	ORG
framr-4075	9	1	university of chittagong	ORG
framr-4075	9	2	4331	DATE
framr-4075	11	1	2department	TIME
framr-4075	11	2	dhaka-1212	DATE
framr-4075	11	3	bangladesh	GPE
framr-4075	12	1	3department	CARDINAL
framr-4075	12	2	ahsanullah university of science and technology	ORG
framr-4075	12	3	dhaka	GPE
framr-4075	12	4	bangladesh	GPE
framr-4075	13	1	mdrakibmia087@gmail.com 4department	ORG
framr-4075	13	2	university of chittagong	ORG
framr-4075	13	3	4203	DATE
framr-4075	13	4	bangladesh	GPE
framr-4075	15	1	5department	PERSON
framr-4075	15	2	university of greenwich	ORG
framr-4075	15	3	london se10 9ls	ORG
framr-4075	15	4	uk	GPE
framr-4075	15	5	30	CARDINAL
framr-4075	15	6	2024	CARDINAL
framr-4075	15	7	14 january 2025	DATE
framr-4075	15	8	24 january 2024	DATE
framr-4075	15	9	31	CARDINAL
framr-4075	16	1	fintech	ORG
framr-4075	17	1	scopus	ORG
framr-4075	17	2	sciencedirect	ORG
framr-4075	20	1	blockchain	PERSON
framr-4075	22	1	regtech	PERSON
framr-4075	23	1	fintech	ORG
framr-4075	30	1	1	CARDINAL
framr-4075	30	2	2008	DATE
framr-4075	30	3	2009	DATE
framr-4075	31	1	2016	DATE
framr-4075	32	1	75%	PERCENT
framr-4075	32	2	2015	DATE
framr-4075	32	3	the previous year	DATE
framr-4075	32	4	2010	DATE
framr-4075	32	5	approximately usd 50 billion	MONEY
framr-4075	33	1	mailto:tipon.tcg.edu@gmail.com	NORP
framr-4075	34	1	2025	DATE
framr-4075	34	2	11(1	CARDINAL
framr-4075	34	3	1	CARDINAL
framr-4075	34	4	2025	CARDINAL
framr-4075	36	1	skan	NORP
framr-4075	36	2	dickerson, & gagliardi	ORG
framr-4075	36	3	2016	DATE
framr-4075	37	1	fintech	ORG
framr-4075	37	2	calzolari	NORP
framr-4075	37	3	mansilla-fernandez	PERSON
framr-4075	37	4	2018	DATE
framr-4075	38	1	fintech	ORG
framr-4075	38	2	2022	CARDINAL
framr-4075	40	1	1977	DATE
framr-4075	40	2	u.s.	GPE
framr-4075	40	3	2010	DATE
framr-4075	41	1	2021	CARDINAL
framr-4075	41	2	2019	DATE
framr-4075	42	1	nicholls	ORG
framr-4075	42	2	kuppa, & le-khac	ORG
framr-4075	42	3	2021	CARDINAL
framr-4075	43	1	190%	PERCENT
framr-4075	43	2	2022	CARDINAL
framr-4075	44	1	2023	CARDINAL
framr-4075	45	1	fintech	ORG
framr-4075	45	2	2015	DATE
framr-4075	47	1	firstly	ORDINAL
framr-4075	47	2	more than 83%	PERCENT
framr-4075	47	3	china	GPE
framr-4075	47	4	u.s.	GPE
framr-4075	47	5	kpmg	ORG
framr-4075	47	6	2015	DATE
framr-4075	47	7	pwc	ORG
framr-4075	47	8	2016	DATE
framr-4075	48	1	holland fintech	ORG
framr-4075	48	2	2015	CARDINAL
framr-4075	48	3	approximately $660 billion	MONEY
framr-4075	48	4	fintech	ORG
framr-4075	49	1	fintech	ORG
framr-4075	49	2	every year	DATE
framr-4075	51	1	chen	PERSON
framr-4075	51	2	teng	PERSON
framr-4075	51	3	& chen	PERSON
framr-4075	51	4	2022	CARDINAL
framr-4075	53	1	su	PERSON
framr-4075	53	2	2022	CARDINAL
framr-4075	53	3	secondly	ORDINAL
framr-4075	53	4	2022	CARDINAL
framr-4075	54	1	fintech	ORG
framr-4075	54	2	2023	CARDINAL
framr-4075	55	1	perpétuo	ORG
framr-4075	55	2	2021	CARDINAL
framr-4075	55	3	brazilian	NORP
framr-4075	58	1	uña, verma	ORG
framr-4075	58	2	& griffin	ORG
framr-4075	58	3	2023	CARDINAL
framr-4075	60	1	2025	DATE
framr-4075	60	2	11(1	CARDINAL
framr-4075	60	3	1-36 3	DATE
framr-4075	60	4	2025	CARDINAL
framr-4075	62	1	brics	GPE
framr-4075	62	2	brazil	GPE
framr-4075	62	3	russia	GPE
framr-4075	62	4	india	GPE
framr-4075	62	5	china	GPE
framr-4075	62	6	south africa	GPE
framr-4075	62	7	egypt	GPE
framr-4075	62	8	ethiopia	GPE
framr-4075	62	9	indonesia	GPE
framr-4075	62	10	iran	GPE
framr-4075	62	11	the united arab emirates	ORG
framr-4075	62	12	hassan	PERSON
framr-4075	62	13	& shakib	PERSON
framr-4075	62	14	2024	DATE
framr-4075	63	1	lee & shin,	ORG
framr-4075	63	2	2018	DATE
framr-4075	66	1	hayashi	GPE
framr-4075	66	2	2016	DATE
framr-4075	67	1	thirdly	ORDINAL
framr-4075	67	2	fintech	ORG
framr-4075	69	1	2020	DATE
framr-4075	71	1	2023	CARDINAL
framr-4075	72	1	cavaliere, & matarunados-santos	ORG
framr-4075	72	2	2020	DATE
framr-4075	74	1	zakaria	ORG
framr-4075	74	2	2023	CARDINAL
framr-4075	75	1	2024	CARDINAL
framr-4075	75	2	covid-19	PERSON
framr-4075	76	1	fintech	ORG
framr-4075	76	2	mogaji, & nguyen	ORG
framr-4075	76	3	2024	DATE
framr-4075	78	1	lee & shin,	ORG
framr-4075	78	2	2018	DATE
framr-4075	80	1	fintech	ORG
framr-4075	82	1	2016	DATE
framr-4075	82	2	63%	PERCENT
framr-4075	82	3	2016	DATE
framr-4075	83	1	fintech	ORG
framr-4075	84	1	fintech	ORG
framr-4075	85	1	fintech	ORG
framr-4075	87	1	fintech	ORG
framr-4075	89	1	fintech	ORG
framr-4075	92	1	fintech	ORG
framr-4075	94	1	2025	DATE
framr-4075	94	2	11(1	CARDINAL
framr-4075	94	3	1-36 4	DATE
framr-4075	94	4	2025	CARDINAL
framr-4075	99	1	chapter 2.	LAW
framr-4075	100	1	third	ORDINAL
framr-4075	101	1	fintech	ORG
framr-4075	101	2	fourth	ORDINAL
framr-4075	101	3	fintech	ORG
framr-4075	103	1	chapter 7	LAW
framr-4075	105	1	chapter 8	LAW
framr-4075	106	1	chapter 9	LAW
framr-4075	107	1	10	CARDINAL
framr-4075	108	1	2	CARDINAL
framr-4075	108	2	2.1	CARDINAL
framr-4075	109	1	2021	CARDINAL
framr-4075	109	2	2017	DATE
framr-4075	111	1	peerto	GPE
framr-4075	111	2	kauffman	GPE
framr-4075	111	3	parker, & weber	ORG
framr-4075	111	4	2018	DATE
framr-4075	112	1	2015	DATE
framr-4075	113	1	fintech	ORG
framr-4075	113	2	second	ORDINAL
framr-4075	113	3	approximately 15% to 20%	PERCENT
framr-4075	113	4	jain	GPE
framr-4075	113	5	kalani, & tan	ORG
framr-4075	113	6	2012	DATE
framr-4075	115	1	fintech	ORG
framr-4075	115	2	first	ORDINAL
framr-4075	115	3	the beginning of the 1990s	DATE
framr-4075	115	4	2015	DATE
framr-4075	116	1	buckley	PERSON
framr-4075	116	2	2015	DATE
framr-4075	116	3	2016	DATE
framr-4075	116	4	three	CARDINAL
framr-4075	117	1	1	CARDINAL
framr-4075	118	1	fintech	ORG
framr-4075	119	1	1	CARDINAL
framr-4075	119	2	1960	DATE
framr-4075	119	3	2	CARDINAL
framr-4075	119	4	1960-1980	DATE
framr-4075	119	5	3	CARDINAL
framr-4075	119	6	1980-2010	DATE
framr-4075	119	7	4	CARDINAL
framr-4075	119	8	20102020	DATE
framr-4075	119	9	5	CARDINAL
framr-4075	119	10	2020	DATE
framr-4075	119	11	as single two	CARDINAL
framr-4075	119	12	1	CARDINAL
framr-4075	119	13	5	CARDINAL
framr-4075	119	14	1	CARDINAL
framr-4075	119	15	1960	DATE
framr-4075	119	16	5	CARDINAL
framr-4075	119	17	2020	DATE
framr-4075	121	1	1	CARDINAL
framr-4075	121	2	2016	DATE
framr-4075	121	3	2017	CARDINAL
framr-4075	122	1	2025	DATE
framr-4075	122	2	11(1	CARDINAL
framr-4075	122	3	1-36 5	DATE
framr-4075	122	4	2025	CARDINAL
framr-4075	126	1	2	CARDINAL
framr-4075	126	2	1960-1980	DATE
framr-4075	126	3	two	CARDINAL
framr-4075	127	1	3	CARDINAL
framr-4075	128	1	4	CARDINAL
framr-4075	129	1	5	CARDINAL
framr-4075	130	1	2.1.1	CARDINAL
framr-4075	130	2	first	ORDINAL
framr-4075	130	3	three	CARDINAL
framr-4075	131	1	first	ORDINAL
framr-4075	131	2	two	CARDINAL
framr-4075	132	1	third	ORDINAL
framr-4075	132	2	koch, & siering	ORG
framr-4075	132	3	2017	CARDINAL
framr-4075	132	4	matt	PERSON
framr-4075	132	5	hess	PERSON
framr-4075	132	6	2015	DATE
framr-4075	132	7	2017	DATE
framr-4075	135	1	bharadwaj	ORG
framr-4075	135	2	el sawy	GPE
framr-4075	135	3	2013	DATE
framr-4075	136	1	2018	DATE
framr-4075	137	1	matt et al.	PERSON
framr-4075	137	2	2015	DATE
framr-4075	138	1	2.1.2	CARDINAL
framr-4075	139	1	kannan, & inman	ORG
framr-4075	139	2	2015	DATE
framr-4075	140	1	matt et al.	PERSON
framr-4075	140	2	2015	DATE
framr-4075	141	1	2.2	CARDINAL
framr-4075	142	1	2.2.1	CARDINAL
framr-4075	143	1	blockchain	PERSON
framr-4075	145	1	third	ORDINAL
framr-4075	145	2	2017	DATE
framr-4075	146	1	cioara, anghel	PERSON
framr-4075	146	2	antal, & salomie	ORG
framr-4075	146	3	2021	CARDINAL
framr-4075	147	1	2.2.2	CARDINAL
framr-4075	150	1	2018	DATE
framr-4075	150	2	kulkarni	PERSON
framr-4075	150	3	2023	CARDINAL
framr-4075	151	1	2025	DATE
framr-4075	151	2	11(1	CARDINAL
framr-4075	151	3	1-36 6	TIME
framr-4075	151	4	2025	CARDINAL
framr-4075	153	1	2.2.3	CARDINAL
framr-4075	153	2	2016	CARDINAL
framr-4075	154	1	koistinen	ORG
framr-4075	154	2	2023	CARDINAL
framr-4075	157	1	chen	PERSON
framr-4075	157	2	mao	PERSON
framr-4075	157	3	liu	PERSON
framr-4075	157	4	2014	DATE
framr-4075	159	1	uddin	NORP
framr-4075	159	2	2022	CARDINAL
framr-4075	160	1	2.2.4	CARDINAL
framr-4075	160	2	1997	DATE
framr-4075	160	3	first	ORDINAL
framr-4075	160	4	dahlberg	PERSON
framr-4075	160	5	guo, & ondrus	ORG
framr-4075	160	6	2015	DATE
framr-4075	164	1	wang	ORG
framr-4075	164	2	2021	DATE
framr-4075	165	1	2.2.5	CARDINAL
framr-4075	165	2	regtech	ORG
framr-4075	165	3	barberis, & buckey	ORG
framr-4075	165	4	2016	DATE
framr-4075	169	1	marston, li	ORG
framr-4075	169	2	bandyopadhyay	PERSON
framr-4075	169	3	zhang, & ghalsasi	ORG
framr-4075	169	4	2011	DATE
framr-4075	171	1	2023	CARDINAL
framr-4075	171	2	macchiavello & siri	ORG
framr-4075	171	3	2022	CARDINAL
framr-4075	172	1	2.3	CARDINAL
framr-4075	173	1	2021	CARDINAL
framr-4075	173	2	2019	DATE
framr-4075	174	1	2025	DATE
framr-4075	174	2	11(1	CARDINAL
framr-4075	174	3	1-36 7	DATE
framr-4075	174	4	2025	CARDINAL
framr-4075	176	1	2.3.1	CARDINAL
framr-4075	177	1	2017	DATE
framr-4075	178	1	three	CARDINAL
framr-4075	178	2	prakash, & singh	ORG
framr-4075	178	3	2020	DATE
framr-4075	179	1	2.3.2	CARDINAL
framr-4075	180	1	blockchain	PERSON
framr-4075	180	2	sarmah	ORG
framr-4075	180	3	2018	DATE
framr-4075	180	4	2016	DATE
framr-4075	181	1	blockchain	PERSON
framr-4075	181	2	fintech	ORG
framr-4075	183	1	fernandez-vazquez	PERSON
framr-4075	183	2	de la fuente, & priore	ORG
framr-4075	183	3	2019	DATE
framr-4075	184	1	2.3.3	CARDINAL
framr-4075	187	1	fintech	ORG
framr-4075	187	2	2018	DATE
framr-4075	187	3	kulkarni	PERSON
framr-4075	187	4	2023	CARDINAL
framr-4075	188	1	2.3.4	CARDINAL
framr-4075	188	2	the united kingdom	GPE
framr-4075	188	3	borgogno & colangelo	ORG
framr-4075	188	4	2020	DATE
framr-4075	189	1	chan	ORG
framr-4075	189	2	troshani	NORP
framr-4075	189	3	rao hill, & hoffmann	ORG
framr-4075	189	4	2022	CARDINAL
framr-4075	191	1	2020	DATE
framr-4075	192	1	2.3.5	CARDINAL
framr-4075	193	1	dahlberg et al.	PERSON
framr-4075	193	2	2015	DATE
framr-4075	193	3	yahaya & ahmad	ORG
framr-4075	193	4	2018	DATE
framr-4075	195	1	nguyen, & le	ORG
framr-4075	195	2	2021	CARDINAL
framr-4075	196	1	2.3.6	CARDINAL
framr-4075	196	2	2016	DATE
framr-4075	197	1	two	CARDINAL
framr-4075	198	1	2025	DATE
framr-4075	198	2	11(1	CARDINAL
framr-4075	198	3	1-36 8	DATE
framr-4075	198	4	2025	CARDINAL
framr-4075	201	1	ghazali & yasuoka	ORG
framr-4075	201	2	2018	DATE
framr-4075	201	3	gupta	GPE
framr-4075	201	4	raj	GPE
framr-4075	201	5	gupta	GPE
framr-4075	201	6	2023	CARDINAL
framr-4075	202	1	2.3.7	CARDINAL
framr-4075	203	1	marston et al.	PERSON
framr-4075	203	2	2011	DATE
framr-4075	205	1	2023	CARDINAL
framr-4075	205	2	macchiavello & siri	ORG
framr-4075	205	3	2022	CARDINAL
framr-4075	206	1	2.3.8	CARDINAL
framr-4075	206	2	two	CARDINAL
framr-4075	207	1	abdul-qawy	ORG
framr-4075	207	2	2015	CARDINAL
framr-4075	207	3	buyya	ORG
framr-4075	207	4	marusic, & palaniswami	ORG
framr-4075	207	5	2013	DATE
framr-4075	208	1	de donato	PERSON
framr-4075	208	2	2016	DATE
framr-4075	209	1	3	CARDINAL
framr-4075	209	2	3.1	CARDINAL
framr-4075	210	1	oecd	ORG
framr-4075	211	1	oecd	ORG
framr-4075	212	1	achim &	ORG
framr-4075	212	2	2020	DATE
framr-4075	212	3	nicholls et al.	ORG
framr-4075	212	4	2021	CARDINAL
framr-4075	212	5	2020	DATE
framr-4075	213	1	first	ORDINAL
framr-4075	213	2	the 21st century	DATE
framr-4075	213	3	the late 1980s	DATE
framr-4075	214	1	levi	PERSON
framr-4075	214	2	2015	DATE
framr-4075	216	1	2023	CARDINAL
framr-4075	216	2	gottschalk	ORG
framr-4075	216	3	2010	DATE
framr-4075	217	1	2023	CARDINAL
framr-4075	219	1	hansen	PERSON
framr-4075	219	2	2009	DATE
framr-4075	220	1	chang	PERSON
framr-4075	220	2	2005	DATE
framr-4075	220	3	christie, 1969).	ORG
framr-4075	222	1	2025	DATE
framr-4075	222	2	11(1	CARDINAL
framr-4075	222	3	1-36 9	DATE
framr-4075	222	4	2025	CARDINAL
framr-4075	224	1	3.2	CARDINAL
framr-4075	227	1	3.2.1	CARDINAL
framr-4075	227	2	2008	DATE
framr-4075	227	3	yenkey	GPE
framr-4075	227	4	2018	DATE
framr-4075	228	1	2018	DATE
framr-4075	229	1	3.2.2	CARDINAL
framr-4075	229	2	schneider & windischbauer	ORG
framr-4075	229	3	2008	DATE
framr-4075	230	1	us	GPE
framr-4075	230	2	2021	CARDINAL
framr-4075	231	1	3.2.3	CARDINAL
framr-4075	231	2	bhattacharya & daouk	ORG
framr-4075	231	3	2002	DATE
framr-4075	234	1	2011	DATE
framr-4075	235	1	2007	DATE
framr-4075	237	1	sandmo	ORG
framr-4075	237	2	2005	DATE
framr-4075	238	1	slemrod	NORP
framr-4075	238	2	2007	DATE
framr-4075	240	1	2019	DATE
framr-4075	241	1	nicholls et al.	ORG
framr-4075	241	2	2021	CARDINAL
framr-4075	242	1	3.3	CARDINAL
framr-4075	244	1	2025	DATE
framr-4075	244	2	11(1	CARDINAL
framr-4075	244	3	1-36 10	DATE
framr-4075	244	4	2025	CARDINAL
framr-4075	246	1	3.3.1	CARDINAL
framr-4075	248	1	medhi	ORG
framr-4075	248	2	singh	GPE
framr-4075	248	3	goswami, & singh	ORG
framr-4075	248	4	2024	DATE
framr-4075	250	1	2016	DATE
framr-4075	250	2	chorvatovičová & saxunová	ORG
framr-4075	250	3	2016	DATE
framr-4075	251	1	3.3.2	CARDINAL
framr-4075	252	1	2021	CARDINAL
framr-4075	253	1	first	ORDINAL
framr-4075	253	2	2021	CARDINAL
framr-4075	255	1	2017	DATE
framr-4075	257	1	nawaf	GPE
framr-4075	257	2	2021	DATE
framr-4075	258	1	& carlin	ORG
framr-4075	258	2	2018	DATE
framr-4075	259	1	goni & alam	ORG
framr-4075	259	2	2022	CARDINAL
framr-4075	260	1	3.4	CARDINAL
framr-4075	263	1	1	CARDINAL
framr-4075	265	1	1	CARDINAL
framr-4075	267	1	2025	DATE
framr-4075	267	2	11(1	CARDINAL
framr-4075	267	3	1-36 11	DATE
framr-4075	267	4	2025	CARDINAL
framr-4075	269	1	3.4.1	CARDINAL
framr-4075	270	1	2011	DATE
framr-4075	271	1	gelb, 1989)	ORG
framr-4075	273	1	the basel committee of banking supervision	ORG
framr-4075	273	2	the financial institute	ORG
framr-4075	273	3	lee, & martin	ORG
framr-4075	273	4	2008	DATE
framr-4075	273	5	2011	DATE
framr-4075	274	1	3.4.3	CARDINAL
framr-4075	276	1	2011	DATE
framr-4075	277	1	pickett & pickett	ORG
framr-4075	277	2	2002	DATE
framr-4075	278	1	3.4.4	CARDINAL
framr-4075	279	1	crockett, 1996	ORG
framr-4075	279	2	2011	DATE
framr-4075	281	1	3.5	CARDINAL
framr-4075	283	1	nicholls et al.	ORG
framr-4075	283	2	2021	CARDINAL
framr-4075	283	3	2018	DATE
framr-4075	287	1	gelb, 1989	ORG
framr-4075	287	2	2011	DATE
framr-4075	290	1	saddiq & abu bakar	ORG
framr-4075	290	2	2019	DATE
framr-4075	291	1	uma & eboh	ORG
framr-4075	291	2	2013	DATE
framr-4075	292	1	saddiq & abu bakar	ORG
framr-4075	292	2	2019	DATE
framr-4075	294	1	bartlett	PERSON
framr-4075	294	2	2002	DATE
framr-4075	295	1	4	CARDINAL
framr-4075	295	2	4.1	CARDINAL
framr-4075	296	1	fintech	ORG
framr-4075	297	1	2025	DATE
framr-4075	297	2	11(1	CARDINAL
framr-4075	297	3	1-36 12	DATE
framr-4075	297	4	2025	CARDINAL
framr-4075	300	1	2023	CARDINAL
framr-4075	302	1	cbs	ORG
framr-4075	302	2	2021	DATE
framr-4075	304	1	fintech	ORG
framr-4075	305	1	philip olaseni shoetan &	ORG
framr-4075	305	2	tolulope	GPE
framr-4075	305	3	2024	DATE
framr-4075	306	1	fbi	ORG
framr-4075	306	2	saxena & vafin	ORG
framr-4075	306	3	2019	DATE
framr-4075	307	1	4.2	CARDINAL
framr-4075	308	1	fintech	ORG
framr-4075	310	1	barr	PERSON
framr-4075	310	2	& klein	ORG
framr-4075	310	3	2018	DATE
framr-4075	311	1	blockchain technology	ORG
framr-4075	312	1	2024	CARDINAL
framr-4075	313	1	4.3	CARDINAL
framr-4075	315	1	fintech	ORG
framr-4075	316	1	jain	NORP
framr-4075	316	2	prajapati	GPE
framr-4075	316	3	2023	CARDINAL
framr-4075	318	1	2022	CARDINAL
framr-4075	319	1	north carolina department of public	ORG
framr-4075	321	1	fintech	ORG
framr-4075	321	2	fong	PERSON
framr-4075	321	3	han	NORP
framr-4075	321	4	liu	PERSON
framr-4075	321	5	2021	DATE
framr-4075	322	1	4.4	CARDINAL
framr-4075	325	1	fintech	ORG
framr-4075	326	1	mustyala	PERSON
framr-4075	326	2	2023	CARDINAL
framr-4075	327	1	2025	DATE
framr-4075	327	2	11(1	CARDINAL
framr-4075	327	3	1-36 13	DATE
framr-4075	327	4	2025	CARDINAL
framr-4075	331	1	2021	CARDINAL
framr-4075	332	1	du, & le	ORG
framr-4075	332	2	2022	CARDINAL
framr-4075	333	1	4.5	CARDINAL
framr-4075	334	1	philip olaseni shoetan &	ORG
framr-4075	334	2	tolulope	GPE
framr-4075	334	3	2024	DATE
framr-4075	337	1	recent years	DATE
framr-4075	337	2	2023	CARDINAL
framr-4075	339	1	achim et al.	PERSON
framr-4075	339	2	2023	CARDINAL
framr-4075	340	1	4.6	CARDINAL
framr-4075	341	1	regtech	ORG
framr-4075	343	1	regtech	ORG
framr-4075	343	2	2022	CARDINAL
framr-4075	344	1	one	CARDINAL
framr-4075	344	2	fintech	ORG
framr-4075	345	1	two	CARDINAL
framr-4075	345	2	2018	DATE
framr-4075	349	1	one	CARDINAL
framr-4075	349	2	2017	CARDINAL
framr-4075	350	1	4.7	CARDINAL
framr-4075	352	1	2018	DATE
framr-4075	353	1	regtech	PERSON
framr-4075	353	2	two	CARDINAL
framr-4075	354	1	regtech	ORG
framr-4075	354	2	2019	DATE
framr-4075	355	1	fintech	ORG
framr-4075	355	2	2025	DATE
framr-4075	355	3	11(1	CARDINAL
framr-4075	355	4	1-36 14	DATE
framr-4075	355	5	2025	CARDINAL
framr-4075	359	1	li	GPE
framr-4075	359	2	& zhao	PERSON
framr-4075	359	3	2022	CARDINAL
framr-4075	360	1	4.8	CARDINAL
framr-4075	361	1	iso 27002	ORG
framr-4075	362	1	stewart & jürjens	ORG
framr-4075	362	2	2018	DATE
framr-4075	364	1	2018	DATE
framr-4075	365	1	fintech	ORG
framr-4075	365	2	2020	DATE
framr-4075	367	1	fintech	ORG
framr-4075	368	1	2024	DATE
framr-4075	369	1	4.9	CARDINAL
framr-4075	369	2	fintech	ORG
framr-4075	370	1	wang	ORG
framr-4075	370	2	2021	DATE
framr-4075	371	1	wang	ORG
framr-4075	371	2	2019	DATE
framr-4075	371	3	li	PERSON
framr-4075	371	4	wang	PERSON
framr-4075	371	5	& li	PERSON
framr-4075	371	6	2020	DATE
framr-4075	374	1	fintech	ORG
framr-4075	377	1	yinka	GPE
framr-4075	377	2	nsisong, & damilola	ORG
framr-4075	377	3	2024	DATE
framr-4075	379	1	2020	DATE
framr-4075	380	1	4.10	CARDINAL
framr-4075	380	2	fintech	ORG
framr-4075	383	1	noul & hussain	ORG
framr-4075	383	2	2024	DATE
framr-4075	385	1	2025	DATE
framr-4075	385	2	11(1	CARDINAL
framr-4075	385	3	1-36 15	DATE
framr-4075	385	4	2025	CARDINAL
framr-4075	387	1	2021	CARDINAL
framr-4075	388	1	5	CARDINAL
framr-4075	388	2	5.1	CARDINAL
framr-4075	388	3	two	CARDINAL
framr-4075	389	1	gupta	GPE
framr-4075	389	2	2018	DATE
framr-4075	390	1	mohammad	PERSON
framr-4075	390	2	thabtah	PERSON
framr-4075	390	3	2015	DATE
framr-4075	392	1	2024	DATE
framr-4075	394	1	ungureanu & filip	ORG
framr-4075	394	2	2023	CARDINAL
framr-4075	395	1	5.2	CARDINAL
framr-4075	398	1	2020	DATE
framr-4075	399	1	fintech	ORG
framr-4075	401	1	lehmann	ORG
framr-4075	401	2	2020	DATE
framr-4075	402	1	5.3	CARDINAL
framr-4075	402	2	second	ORDINAL
framr-4075	404	1	us	GPE
framr-4075	404	2	china	GPE
framr-4075	404	3	eu	ORG
framr-4075	404	4	buckley	PERSON
framr-4075	404	5	zetzsche, & selga	ORG
framr-4075	404	6	2019	DATE
framr-4075	408	1	2020	DATE
framr-4075	410	1	2023	CARDINAL
framr-4075	411	1	5.4	CARDINAL
framr-4075	412	1	bigtech	ORG
framr-4075	412	2	2025	DATE
framr-4075	412	3	11(1	CARDINAL
framr-4075	412	4	1	CARDINAL
framr-4075	412	5	2025	CARDINAL
framr-4075	416	1	2021	CARDINAL
framr-4075	418	1	first	ORDINAL
framr-4075	421	1	fintech	ORG
framr-4075	421	2	2018	DATE
framr-4075	422	1	5.5	CARDINAL
framr-4075	424	1	47%	PERCENT
framr-4075	424	2	2020	DATE
framr-4075	425	1	the fiscal year 2021	DATE
framr-4075	425	2	2024	DATE
framr-4075	427	1	saxena & vafin	ORG
framr-4075	427	2	2019	DATE
framr-4075	430	1	the national council on aging	ORG
framr-4075	430	2	2020	DATE
framr-4075	431	1	5.6	CARDINAL
framr-4075	433	1	2022	CARDINAL
framr-4075	434	1	third	ORDINAL
framr-4075	435	1	han	NORP
framr-4075	435	2	huang	PERSON
framr-4075	435	3	& zhong	PERSON
framr-4075	435	4	2023	DATE
framr-4075	436	1	2022	CARDINAL
framr-4075	439	1	duran & griffin	ORG
framr-4075	439	2	2021	DATE
framr-4075	440	1	5.7	CARDINAL
framr-4075	440	2	two	CARDINAL
framr-4075	440	3	2025	DATE
framr-4075	440	4	11(1	CARDINAL
framr-4075	440	5	1-36 17	DATE
framr-4075	440	6	2025	CARDINAL
framr-4075	444	1	st.	GPE
framr-4075	444	2	petersburg state university	ORG
framr-4075	444	3	2020	DATE
framr-4075	445	1	at least quarterly	DATE
framr-4075	447	1	tache	ORG
framr-4075	447	2	2022	CARDINAL
framr-4075	448	1	5.8	CARDINAL
framr-4075	448	2	fintech	ORG
framr-4075	449	1	buckley et al.	PERSON
framr-4075	449	2	2019	DATE
framr-4075	451	1	alessio faccia	PERSON
framr-4075	451	2	2023	CARDINAL
framr-4075	453	1	& kanna	ORG
framr-4075	453	2	2023	CARDINAL
framr-4075	454	1	5.9	CARDINAL
framr-4075	456	1	bin azero	PERSON
framr-4075	456	2	al.	PERSON
framr-4075	456	3	2024	DATE
framr-4075	459	1	dhali	NORP
framr-4075	459	2	hassan	PERSON
framr-4075	459	3	mehar	PERSON
framr-4075	459	4	shahzad	GPE
framr-4075	459	5	2023	CARDINAL
framr-4075	460	1	6	CARDINAL
framr-4075	460	2	6.1	CARDINAL
framr-4075	461	1	6.1.1	CARDINAL
framr-4075	462	1	one	CARDINAL
framr-4075	463	1	third	ORDINAL
framr-4075	465	1	70	CARDINAL
framr-4075	465	2	75%	PERCENT
framr-4075	465	3	over 500 million	CARDINAL
framr-4075	466	1	2022	CARDINAL
framr-4075	467	1	aric risk hub enable	ORG
framr-4075	467	2	2025	DATE
framr-4075	467	3	11(1	CARDINAL
framr-4075	467	4	1-36 18	DATE
framr-4075	467	5	2025	CARDINAL
framr-4075	470	1	2022	CARDINAL
framr-4075	471	1	6.1.2	CARDINAL
framr-4075	474	1	mckinsey & company	ORG
framr-4075	474	2	2021a	DATE
framr-4075	477	1	mckinsey & company	ORG
framr-4075	477	2	2021b	CARDINAL
framr-4075	478	1	6.1.3	CARDINAL
framr-4075	479	1	fintech	ORG
framr-4075	482	1	mckinsey & company	ORG
framr-4075	482	2	2021a	DATE
framr-4075	485	1	mckinsey & company	ORG
framr-4075	485	2	2021a	DATE
framr-4075	486	1	6.2	CARDINAL
framr-4075	486	2	6.2.1	CARDINAL
framr-4075	490	1	2022	CARDINAL
framr-4075	491	1	6.2.2	CARDINAL
framr-4075	495	1	mckinsey & company	ORG
framr-4075	495	2	2021a	DATE
framr-4075	496	1	2025	DATE
framr-4075	496	2	11(1	CARDINAL
framr-4075	496	3	1-36 19	DATE
framr-4075	496	4	2025	CARDINAL
framr-4075	498	1	6.2.3	CARDINAL
framr-4075	498	2	fintech	ORG
framr-4075	500	1	fintech platforms	ORG
framr-4075	501	1	the decades	DATE
framr-4075	501	2	fintech & banking news	ORG
framr-4075	501	3	2021	CARDINAL
framr-4075	502	1	7	CARDINAL
framr-4075	502	2	7.1	CARDINAL
framr-4075	504	1	u.s.	GPE
framr-4075	505	1	the patriot act	LAW
framr-4075	506	1	the securities and exchange commission	ORG
framr-4075	506	2	sec	ORG
framr-4075	506	3	cftc	ORG
framr-4075	507	1	tran & kevin	ORG
framr-4075	507	2	2023	DATE
framr-4075	508	1	fifth	ORDINAL
framr-4075	508	2	5amld	CARDINAL
framr-4075	508	3	mifid ii	PERSON
framr-4075	510	1	2023	CARDINAL
framr-4075	511	1	2023	CARDINAL
framr-4075	511	2	u.k.	GPE
framr-4075	512	1	the prudential regulation authority	ORG
framr-4075	513	1	2017	CARDINAL
framr-4075	513	2	2020	DATE
framr-4075	513	3	gov.uk	ORG
framr-4075	513	4	2023	CARDINAL
framr-4075	514	1	2	CARDINAL
framr-4075	514	2	the usa	ORG
framr-4075	514	3	european union	ORG
framr-4075	514	4	united kingdom	GPE
framr-4075	515	1	2	CARDINAL
framr-4075	516	1	united states bank	ORG
framr-4075	516	2	bsa	ORG
framr-4075	517	1	united states usa patriot	ORG
framr-4075	517	2	sec	ORG
framr-4075	517	3	cftc	ORG
framr-4075	517	4	occ	ORG
framr-4075	518	1	united states securities act securities and exchange commission	ORG
framr-4075	518	2	sec	ORG
framr-4075	519	1	united states commodity exchange	ORG
framr-4075	519	2	cftc	ORG
framr-4075	520	1	united states office	ORG
framr-4075	521	1	european union	ORG
framr-4075	521	2	fifth	ORDINAL
framr-4075	521	3	5amld	CARDINAL
framr-4075	521	4	european commission	ORG
framr-4075	521	5	european banking authority	ORG
framr-4075	522	1	2025	DATE
framr-4075	522	2	11(1	CARDINAL
framr-4075	522	3	1-36 20	DATE
framr-4075	522	4	2025	CARDINAL
framr-4075	524	1	european union	ORG
framr-4075	524	2	mifid ii	PERSON
framr-4075	524	3	european	NORP
framr-4075	524	4	esma	GPE
framr-4075	525	1	european union	ORG
framr-4075	525	2	european data protection board	ORG
framr-4075	526	1	united kingdom financial services	ORG
framr-4075	526	2	2023	CARDINAL
framr-4075	526	3	prudential regulation authority	ORG
framr-4075	526	4	eu	ORG
framr-4075	527	1	united kingdom	GPE
framr-4075	527	2	2017	CARDINAL
framr-4075	527	3	2020	DATE
framr-4075	528	1	united kingdom general data protection regulation	ORG
framr-4075	528	2	brexit	PERSON
framr-4075	528	3	uk gdpr	ORG
framr-4075	528	4	eu gdpr	ORG
framr-4075	529	1	united kingdom	GPE
framr-4075	529	2	2017	CARDINAL
framr-4075	529	3	second	ORDINAL
framr-4075	530	1	7.2	CARDINAL
framr-4075	531	1	fintech	ORG
framr-4075	532	1	fintech	ORG
framr-4075	535	1	the united states	GPE
framr-4075	535	2	sec	ORG
framr-4075	535	3	cftc	ORG
framr-4075	536	1	sec	ORG
framr-4075	536	2	cftc	ORG
framr-4075	537	1	eu	ORG
framr-4075	538	1	tran	PERSON
framr-4075	538	2	kevin	PERSON
framr-4075	538	3	2023	CARDINAL
framr-4075	540	1	7.2.2	ORG
framr-4075	544	1	uk	GPE
framr-4075	544	2	2025	DATE
framr-4075	544	3	11(1	CARDINAL
framr-4075	544	4	1-36 21	DATE
framr-4075	544	5	2025	CARDINAL
framr-4075	546	1	2023	CARDINAL
framr-4075	547	1	eu	ORG
framr-4075	547	2	us	GPE
framr-4075	548	1	esg	ORG
framr-4075	549	1	eu	ORG
framr-4075	551	1	2023	CARDINAL
framr-4075	553	1	7.3	CARDINAL
framr-4075	555	1	fintech	ORG
framr-4075	559	1	2023	CARDINAL
framr-4075	560	1	fatf	PERSON
framr-4075	561	1	7.3.2	CARDINAL
framr-4075	562	1	the european union	ORG
framr-4075	562	2	the us cybersecurity & infrastructure security agency	ORG
framr-4075	566	1	mckinsey & company	ORG
framr-4075	566	2	2021a	DATE
framr-4075	569	1	eu	ORG
framr-4075	570	1	2025	DATE
framr-4075	570	2	11(1	CARDINAL
framr-4075	570	3	1-36 22	TIME
framr-4075	570	4	2025	CARDINAL
framr-4075	573	1	eu	ORG
framr-4075	573	2	us	GPE
framr-4075	573	3	2023	CARDINAL
framr-4075	575	1	7.3.4	CARDINAL
framr-4075	575	2	global financial regulation international	ORG
framr-4075	575	3	bcbs	ORG
framr-4075	576	1	prudential requirements	ORG
framr-4075	579	1	8	CARDINAL
framr-4075	579	2	8.1	CARDINAL
framr-4075	580	1	8.1.1	CARDINAL
framr-4075	582	1	minutes	TIME
framr-4075	582	2	days	DATE
framr-4075	582	3	weeks	DATE
framr-4075	583	1	up to 30%	PERCENT
framr-4075	583	2	2021	CARDINAL
framr-4075	587	1	pricewaterhousecoopers	ORG
framr-4075	587	2	pwc	ORG
framr-4075	587	3	nearly half	CARDINAL
framr-4075	587	4	46%	PERCENT
framr-4075	587	5	pwc	ORG
framr-4075	587	6	2021	CARDINAL
framr-4075	588	1	8.1.3	CARDINAL
framr-4075	589	1	the aric risk hub	ORG
framr-4075	590	1	up to 75%	PERCENT
framr-4075	590	2	sutton	GPE
framr-4075	590	3	2022	CARDINAL
framr-4075	594	1	the world bank	ORG
framr-4075	594	2	fintech	ORG
framr-4075	594	3	20%	PERCENT
framr-4075	594	4	the past decade	DATE
framr-4075	594	5	world bank	ORG
framr-4075	594	6	2022	CARDINAL
framr-4075	595	1	2025	DATE
framr-4075	595	2	11(1	CARDINAL
framr-4075	595	3	1-36 23	DATE
framr-4075	595	4	2025	CARDINAL
framr-4075	597	1	fintech applications	ORG
framr-4075	600	1	mckinsey & company	ORG
framr-4075	600	2	20%	PERCENT
framr-4075	600	3	mckinsey & company	ORG
framr-4075	600	4	2021b	CARDINAL
framr-4075	601	1	8.2	CARDINAL
framr-4075	606	1	$5.72 million	MONEY
framr-4075	606	2	2021	CARDINAL
framr-4075	606	3	ibm	ORG
framr-4075	606	4	2021	CARDINAL
framr-4075	607	1	one	CARDINAL
framr-4075	608	1	8.2.2	CARDINAL
framr-4075	612	1	2021	CARDINAL
framr-4075	612	2	$270 billion	MONEY
framr-4075	612	3	deloitte	ORG
framr-4075	612	4	2021	CARDINAL
framr-4075	615	1	the european union	ORG
framr-4075	615	2	50%	PERCENT
framr-4075	615	3	a year	DATE
framr-4075	615	4	2022	CARDINAL
framr-4075	618	1	third	ORDINAL
framr-4075	619	1	2021	CARDINAL
framr-4075	619	2	mckinsey & company	ORG
framr-4075	619	3	2021a	DATE
framr-4075	621	1	fintech	ORG
framr-4075	623	1	2025	DATE
framr-4075	623	2	11(1	CARDINAL
framr-4075	623	3	1-36 24	DATE
framr-4075	623	4	2025	CARDINAL
framr-4075	626	1	58%	PERCENT
framr-4075	626	2	2022	CARDINAL
framr-4075	628	1	two	CARDINAL
framr-4075	631	1	3	CARDINAL
framr-4075	632	1	3	CARDINAL
framr-4075	633	1	ibm	ORG
framr-4075	633	2	2021	CARDINAL
framr-4075	634	1	regtech	GPE
framr-4075	634	2	2021	CARDINAL
framr-4075	635	1	kyc	PERSON
framr-4075	635	2	2022	CARDINAL
framr-4075	636	1	mckinsey & company	ORG
framr-4075	636	2	2021a	DATE
framr-4075	637	1	2022	CARDINAL
framr-4075	650	1	digital financial services	ORG
framr-4075	651	1	2025	DATE
framr-4075	651	2	11(1	CARDINAL
framr-4075	651	3	1-36 25	DATE
framr-4075	651	4	2025	CARDINAL
framr-4075	655	1	9	CARDINAL
framr-4075	655	2	9.1	CARDINAL
framr-4075	657	1	2020	DATE
framr-4075	658	1	amazon	ORG
framr-4075	660	1	dubey	NORP
framr-4075	660	2	2019	DATE
framr-4075	661	1	blockchain	PERSON
framr-4075	662	1	three	CARDINAL
framr-4075	662	2	chen	PERSON
framr-4075	662	3	wu	PERSON
framr-4075	662	4	2019	DATE
framr-4075	663	1	sumner, & bozzo	ORG
framr-4075	663	2	2016	DATE
framr-4075	664	1	china	GPE
framr-4075	664	2	india	GPE
framr-4075	666	1	india	GPE
framr-4075	667	1	fintech	ORG
framr-4075	667	2	2020	DATE
framr-4075	669	1	d’acunto	ORG
framr-4075	669	2	prabhala, & rossi	ORG
framr-4075	669	3	2019	DATE
framr-4075	676	1	cyberliteracy	PERSON
framr-4075	677	1	hua	ORG
framr-4075	677	2	huang	PERSON
framr-4075	677	3	& zheng	PERSON
framr-4075	677	4	2019	DATE
framr-4075	679	1	fintech	ORG
framr-4075	680	1	fintech	ORG
framr-4075	680	2	santosa	GPE
framr-4075	680	3	kertopati, & eprianto	ORG
framr-4075	680	4	2018	DATE
framr-4075	681	1	9.2	CARDINAL
framr-4075	682	1	2025	DATE
framr-4075	682	2	11(1	CARDINAL
framr-4075	682	3	1	CARDINAL
framr-4075	682	4	2025	CARDINAL
framr-4075	684	1	shen, & yu	ORG
framr-4075	684	2	2020	DATE
framr-4075	686	1	recent years	DATE
framr-4075	686	2	2018	DATE
framr-4075	688	1	kurshan et al.	PERSON
framr-4075	688	2	2020	DATE
framr-4075	689	1	one	CARDINAL
framr-4075	689	2	these days	DATE
framr-4075	690	1	spreng	GPE
framr-4075	690	2	levin, & turner	ORG
framr-4075	690	3	2021	CARDINAL
framr-4075	693	1	one	CARDINAL
framr-4075	694	1	australian	NORP
framr-4075	694	2	piquero	ORG
framr-4075	694	3	piquero	ORG
framr-4075	694	4	green, & bobnis	ORG
framr-4075	694	5	2021	DATE
framr-4075	698	1	kurshan et al.	PERSON
framr-4075	698	2	2020	DATE
framr-4075	699	1	10	CARDINAL
framr-4075	699	2	10.1	CARDINAL
framr-4075	700	1	fintech	ORG
framr-4075	703	1	fintech	ORG
framr-4075	705	1	peerto	GPE
framr-4075	714	1	2025	DATE
framr-4075	714	2	11(1	CARDINAL
framr-4075	714	3	1-36 27	DATE
framr-4075	714	4	2025	CARDINAL
framr-4075	721	1	three	CARDINAL
framr-4075	722	1	10.2	CARDINAL
framr-4075	729	1	robotic financial advice	ORG
framr-4075	730	1	2020	DATE
framr-4075	731	1	blockchain	PERSON
framr-4075	732	1	one	CARDINAL
framr-4075	732	2	blockchain	PERSON
framr-4075	734	1	recent years	DATE
framr-4075	735	1	fintech	ORG
framr-4075	736	1	buckley et al.	PERSON
framr-4075	736	2	2019	DATE
framr-4075	738	1	alessio faccia	PERSON
framr-4075	738	2	2023	CARDINAL
framr-4075	741	1	fbi	ORG
framr-4075	741	2	saxena & vafin	ORG
framr-4075	741	3	2019	DATE
framr-4075	744	1	2025	DATE
framr-4075	744	2	11(1	CARDINAL
framr-4075	744	3	1-36 28	DATE
framr-4075	744	4	2025	CARDINAL
framr-4075	746	1	11	CARDINAL
framr-4075	750	1	fintech	ORG
framr-4075	750	2	fintech	ORG
framr-4075	751	1	fintech	ORG
framr-4075	754	1	fintech	ORG
framr-4075	765	1	abdul-qawy	PERSON
framr-4075	765	2	a. s.	PERSON
framr-4075	765	3	e., & srinivasulu	ORG
framr-4075	765	4	2015	CARDINAL
framr-4075	767	1	5(12	CARDINAL
framr-4075	767	2	71	CARDINAL
framr-4075	768	1	accenture	ORG
framr-4075	769	1	2016	CARDINAL
framr-4075	770	1	2016	CARDINAL
framr-4075	770	2	europe	LOC
framr-4075	770	3	asia	LOC
framr-4075	772	1	2021	CARDINAL
framr-4075	773	1	fintech	ORG
framr-4075	774	1	https://www.accenture.com/in-en achim	ORG
framr-4075	774	2	m. v.,	PERSON
framr-4075	774	3	s. n. (	PERSON
framr-4075	774	4	2020	DATE
framr-4075	777	1	achim	ORG
framr-4075	777	2	m. v.	PERSON
framr-4075	777	3	moloney	GPE
framr-4075	777	4	m., korba	PERSON
framr-4075	777	5	s.	PERSON
framr-4075	777	6	molnár	PERSON
framr-4075	777	7	b.	PERSON
framr-4075	778	1	coita	PERSON
framr-4075	778	2	i. f.	PERSON
framr-4075	778	3	2023	CARDINAL
framr-4075	779	1	fintech	ORG
framr-4075	780	1	ssrn	GPE
framr-4075	781	1	o. a.	PERSON
framr-4075	781	2	s.	PERSON
framr-4075	781	3	m. i.	PERSON
framr-4075	781	4	a.	PERSON
framr-4075	781	5	2023	CARDINAL
framr-4075	782	1	brics	GPE
framr-4075	783	1	86, 104278	DATE
framr-4075	784	1	alade	GPE
framr-4075	784	2	i.	PERSON
framr-4075	784	3	2023	CARDINAL
framr-4075	786	1	loyola	GPE
framr-4075	786	2	los angeles	GPE
framr-4075	787	1	alkhalil	PERSON
framr-4075	787	2	z.	PERSON
framr-4075	787	3	c.	GPE
framr-4075	787	4	nawaf	GPE
framr-4075	787	5	l., & khan	ORG
framr-4075	787	6	i.	PERSON
framr-4075	787	7	2021	CARDINAL
framr-4075	789	1	3, 563060	DATE
framr-4075	790	1	2025	DATE
framr-4075	790	2	11(1	CARDINAL
framr-4075	790	3	1-36 29	DATE
framr-4075	790	4	2025	CARDINAL
framr-4075	792	1	amadi	PERSON
framr-4075	792	2	a.	PERSON
framr-4075	792	3	2023	CARDINAL
framr-4075	794	1	30(1	CARDINAL
framr-4075	794	2	210	CARDINAL
framr-4075	795	1	i.	PERSON
framr-4075	795	2	2018	DATE
framr-4075	796	1	fintech	ORG
framr-4075	796	2	regtech	ORG
framr-4075	797	1	journal of economics	ORG
framr-4075	797	2	100	CARDINAL
framr-4075	797	3	7–25	CARDINAL
framr-4075	798	1	antal	GPE
framr-4075	798	2	t., anghel	GPE
framr-4075	798	3	i.	GPE
framr-4075	798	4	m., & salomie	ORG
framr-4075	798	5	i.	PERSON
framr-4075	798	6	2021	CARDINAL
framr-4075	800	1	13(3	CARDINAL
framr-4075	800	2	62	DATE
framr-4075	801	1	d. w.	PERSON
framr-4075	801	2	barberis	ORG
framr-4075	801	3	j., & buckey	ORG
framr-4075	801	4	r. p.	PERSON
framr-4075	801	5	2016	CARDINAL
framr-4075	802	1	fintech	ORG
framr-4075	802	2	regtech	ORG
framr-4075	803	1	journal of international law and business	ORG
framr-4075	803	2	37	DATE
framr-4075	803	3	371	CARDINAL
framr-4075	804	1	d. w.	PERSON
framr-4075	804	2	barberis	ORG
framr-4075	804	3	j., & buckley	ORG
framr-4075	804	4	r. p.	PERSON
framr-4075	804	5	2015	CARDINAL
framr-4075	805	1	fintech	ORG
framr-4075	806	1	georgetown journal of international law	ORG
framr-4075	806	2	47	DATE
framr-4075	806	3	1271	CARDINAL
framr-4075	807	1	j. a.	PERSON
framr-4075	807	2	2020	DATE
framr-4075	808	1	fintech	ORG
framr-4075	808	2	regtech	GPE
framr-4075	809	1	151	CARDINAL
framr-4075	810	1	barr	PERSON
framr-4075	810	2	gifford	PERSON
framr-4075	810	3	k., & klein	ORG
framr-4075	810	4	a.	PERSON
framr-4075	810	5	2018	DATE
framr-4075	812	1	bartlett	PERSON
framr-4075	812	2	b. l.	PERSON
framr-4075	812	3	2002	DATE
framr-4075	814	1	asian development bank regional technical assistance	ORG
framr-4075	814	2	5967	DATE
framr-4075	815	1	bharadwaj	PERSON
framr-4075	815	2	a.	PERSON
framr-4075	815	3	el sawy	GPE
framr-4075	815	4	o. a.	PERSON
framr-4075	815	5	n. v.	PERSON
framr-4075	815	6	2013	DATE
framr-4075	817	1	quarterly	DATE
framr-4075	817	2	471	CARDINAL
framr-4075	818	1	https://doi.org/10.25300/misq/2013/37:2.3 bhasin	PERSON
framr-4075	818	2	m. l.	PERSON
framr-4075	818	3	2016	CARDINAL
framr-4075	819	1	asian	NORP
framr-4075	820	1	international journal of management sciences	ORG
framr-4075	820	2	l-5(11	GPE
framr-4075	820	3	24	CARDINAL
framr-4075	821	1	2002	DATE
framr-4075	823	1	57(1	DATE
framr-4075	823	2	75-108	CARDINAL
framr-4075	824	1	bin azero	PERSON
framr-4075	824	2	m. a.	PERSON
framr-4075	824	3	abdullah	PERSON
framr-4075	824	4	s. n. a. k.	PERSON
framr-4075	824	5	zakaria, z., haris, h.	PERSON
framr-4075	824	6	y. h., & alam	ORG
framr-4075	824	7	2024	CARDINAL
framr-4075	826	1	13(2	CARDINAL
framr-4075	826	2	167	CARDINAL
framr-4075	827	1	https://doi.org/10.5430/afr.v13n2p167 boles	PERSON
framr-4075	827	2	j. r.	PERSON
framr-4075	827	3	2017	CARDINAL
framr-4075	828	1	million dollar	MONEY
framr-4075	829	1	2020	DATE
framr-4075	831	1	journal of european consumer	ORG
framr-4075	831	2	9	CARDINAL
framr-4075	831	3	143	CARDINAL
framr-4075	832	1	botta	GPE
framr-4075	832	2	a., de donato	PERSON
framr-4075	832	3	w.	PERSON
framr-4075	832	4	2016	CARDINAL
framr-4075	834	1	56	CARDINAL
framr-4075	834	2	684	CARDINAL
framr-4075	835	1	buckley	GPE
framr-4075	835	2	r. p.	PERSON
framr-4075	835	3	d. w.	PERSON
framr-4075	835	4	zetzsche, d. a., & selga	ORG
framr-4075	835	5	e.	PERSON
framr-4075	835	6	2019	DATE
framr-4075	837	1	ssrn	PERSON
framr-4075	838	1	https://doi.org/10.2139/ssrn.3478640 chan	PERSON
framr-4075	838	2	r.	NORP
framr-4075	838	3	troshani	NORP
framr-4075	838	4	i.	GPE
framr-4075	838	5	rao hill	PERSON
framr-4075	838	6	s., & hoffmann	ORG
framr-4075	838	7	a.	PERSON
framr-4075	838	8	2022	CARDINAL
framr-4075	840	1	international journal of bank	ORG
framr-4075	840	2	886	CARDINAL
framr-4075	840	3	chang	PERSON
framr-4075	840	4	j. j.	PERSON
framr-4075	840	5	h. c.	PERSON
framr-4075	840	6	m. (	PERSON
framr-4075	840	7	2005	DATE
framr-4075	843	1	43(3	DATE
framr-4075	843	2	661-675	CARDINAL
framr-4075	844	1	chen	PERSON
framr-4075	844	2	l. d.	PERSON
framr-4075	844	3	2008	DATE
framr-4075	846	1	international journal of mobile communications	ORG
framr-4075	846	2	6(1	CARDINAL
framr-4075	846	3	3252	CARDINAL
framr-4075	847	1	chen	PERSON
framr-4075	847	2	mao	PERSON
framr-4075	847	3	s., & liu	ORG
framr-4075	847	4	2014	DATE
framr-4075	849	1	19	CARDINAL
framr-4075	849	2	171	CARDINAL
framr-4075	850	1	chen	PERSON
framr-4075	850	2	m. a.	PERSON
framr-4075	850	3	wu	PERSON
framr-4075	850	4	q., & yang	ORG
framr-4075	850	5	b.	PERSON
framr-4075	850	6	2019	DATE
framr-4075	852	1	32(5	CARDINAL
framr-4075	852	2	2062-2106	DATE
framr-4075	853	1	chen	PERSON
framr-4075	853	2	x.	GPE
framr-4075	853	3	teng	PERSON
framr-4075	853	4	w.	PERSON
framr-4075	853	5	2022	CARDINAL
framr-4075	855	1	china	GPE
framr-4075	856	1	the north american journal of economics	ORG
framr-4075	856	2	61, 101697	DATE
framr-4075	857	1	a., & reyad	ORG
framr-4075	857	2	s.	PERSON
framr-4075	857	3	2021	CARDINAL
framr-4075	858	1	fintech	ORG
framr-4075	859	1	fourth	ORDINAL
framr-4075	859	2	135	CARDINAL
framr-4075	860	1	https://doi.org/10.25300/misq/2013/37:2.3	GPE
framr-4075	860	2	2025	DATE
framr-4075	860	3	11(1	CARDINAL
framr-4075	860	4	1-36 30	DATE
framr-4075	860	5	2025	CARDINAL
framr-4075	862	1	l., & saxunová	ORG
framr-4075	862	2	2016	CARDINAL
framr-4075	863	1	annual	DATE
framr-4075	866	1	233	CARDINAL
framr-4075	867	1	christie, r. m. (	ORG
framr-4075	867	2	1969	DATE
framr-4075	869	1	university of london	ORG
framr-4075	869	2	bedford college	ORG
framr-4075	869	3	united kingdom	GPE
framr-4075	870	1	crockett	PERSON
framr-4075	870	2	a. (	PERSON
framr-4075	870	3	1996	DATE
framr-4075	872	1	144(4	CARDINAL
framr-4075	872	2	531	CARDINAL
framr-4075	873	1	f.	PERSON
framr-4075	873	2	prabhala	GPE
framr-4075	873	3	n., & rossi	ORG
framr-4075	873	4	a. g.	PERSON
framr-4075	873	5	2019	DATE
framr-4075	875	1	32(5	CARDINAL
framr-4075	875	2	1983-2020	DATE
framr-4075	876	1	dahlberg	PERSON
framr-4075	876	2	t., guo	PERSON
framr-4075	876	3	j., & ondrus	ORG
framr-4075	876	4	j. (	PERSON
framr-4075	876	5	2015	DATE
framr-4075	878	1	14(5	CARDINAL
framr-4075	878	2	265	CARDINAL
framr-4075	879	1	c. h. e. n.	PERSON
framr-4075	879	2	2020	DATE
framr-4075	880	1	fintech	ORG
framr-4075	880	2	china	GPE
framr-4075	881	1	china	GPE
framr-4075	881	2	dangdai	ORG
framr-4075	881	3	zhongguo jingji zhuanxing yanjiu	PERSON
framr-4075	881	4	3(2	CARDINAL
framr-4075	881	5	30-44	DATE
framr-4075	882	1	de prado	PERSON
framr-4075	882	2	m. l.	PERSON
framr-4075	882	3	2018	DATE
framr-4075	884	1	new jersey	GPE
framr-4075	884	2	john wiley &	ORG
framr-4075	885	1	deloitte	PERSON
framr-4075	886	1	2021	CARDINAL
framr-4075	888	1	https://www.deloitte.com/bd/en.html despotović	GPE
framr-4075	888	2	parmaković, a., & miljković	ORG
framr-4075	888	3	m.	PERSON
framr-4075	888	4	2023	CARDINAL
framr-4075	889	1	fintech	ORG
framr-4075	892	1	cham	PERSON
framr-4075	893	1	dhali	ORG
framr-4075	893	2	m., hassan	PERSON
framr-4075	893	3	s.	PERSON
framr-4075	893	4	mehar	PERSON
framr-4075	893	5	s. m.	PERSON
framr-4075	893	6	shahzad	GPE
framr-4075	893	7	k., & zaman	ORG
framr-4075	893	8	2023	CARDINAL
framr-4075	895	1	65(3	CARDINAL
framr-4075	895	2	261	CARDINAL
framr-4075	896	1	https://doi.org/10.1108/ijlma-09-2022-0206 dorphy	GPE
framr-4075	896	2	a., & hultquist	ORG
framr-4075	896	3	2018	DATE
framr-4075	897	1	2017	CARDINAL
framr-4075	898	1	federal reserve bank	ORG
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framr-4075	901	3	597601	DATE
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framr-4075	917	1	2nd	ORDINAL
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framr-4075	931	3	9	CARDINAL
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framr-4075	934	1	https://doi.org/10.17577/ijertv8is100285	GPE
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framr-4075	935	3	1-36 31	DATE
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framr-4075	944	1	s. v.	PERSON
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framr-4075	949	1	1	CARDINAL
framr-4075	949	2	1	CARDINAL
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framr-4075	956	3	2017	CARDINAL
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framr-4075	971	4	2018	DATE
framr-4075	973	1	journal of management information systems	ORG
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framr-4075	974	7	2013	DATE
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framr-4075	1008	3	1401-1410	DATE
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framr-4075	1020	1	karpoff	PERSON
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framr-4075	1022	1	journal of financial economics	ORG
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framr-4075	1023	1	koistinen	ORG
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framr-4075	1025	2	m. s.	PERSON
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framr-4075	1032	1	kpmg	ORG
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framr-4075	1032	3	2015	DATE
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framr-4075	1048	2	8(4	CARDINAL
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framr-4075	1064	1	s. v.	PERSON
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framr-4075	1089	1	a. b.	PERSON
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framr-4075	1092	2	1-21	DATE
framr-4075	1093	1	https://doi.org/10.15728/bbr.2021.18.1.1 matt	PERSON
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framr-4075	1095	2	57, 339343	DATE
framr-4075	1096	1	mckinsey & company	ORG
framr-4075	1097	1	2021a	DATE
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framr-4075	1104	1	1283	CARDINAL
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framr-4075	1105	8	s.	PERSON
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framr-4075	1106	2	m. a.	PERSON
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framr-4075	1108	1	leee access	PERSON
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framr-4075	1108	3	23391-23406	DATE
framr-4075	1109	1	a. l.	PERSON
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framr-4075	1113	1	fintech	ORG
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framr-4075	1114	2	quarterly	DATE
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framr-4075	1117	2	1	CARDINAL
framr-4075	1118	1	rizopoulos,	PERSON
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framr-4075	1120	2	102103	DATE
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framr-4075	1123	3	1-10	CARDINAL
framr-4075	1124	1	g. b.	PERSON
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framr-4075	1132	2	100105	DATE
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framr-4075	1135	3	163965-163986	DATE
framr-4075	1136	1	2020	DATE
framr-4075	1138	1	33	CARDINAL
framr-4075	1138	2	200908	DATE
framr-4075	1139	1	r.	NORP
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framr-4075	1142	1	https://doi.org/10.13140/rg.2.2.17108.62083	ORG
framr-4075	1142	2	2025	DATE
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framr-4075	1142	4	1-36 34	DATE
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framr-4075	1144	1	r.	NORP
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framr-4075	1146	1	business & information systems	ORG
framr-4075	1146	2	57	DATE
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framr-4075	1148	1	2022	CARDINAL
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framr-4075	1156	1	o. a.	PERSON
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framr-4075	1156	3	m. s.	PERSON
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framr-4075	1158	3	2942–2949	DATE
framr-4075	1159	1	o.-o.	GPE
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framr-4075	1162	1	2008	DATE
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framr-4075	1164	2	107	CARDINAL
framr-4075	1165	1	f.	PERSON
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framr-4075	1168	2	s. k.	PERSON
framr-4075	1168	3	2020	DATE
framr-4075	1169	1	fintech	ORG
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framr-4075	1170	2	47	DATE
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framr-4075	1180	1	pickett	PERSON
framr-4075	1180	2	k. s.	PERSON
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framr-4075	1182	2	john wiley &	ORG
framr-4075	1183	1	puschmann	PERSON
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framr-4075	1184	1	fintech	ORG
framr-4075	1185	1	business & information systems	ORG
framr-4075	1185	2	59	CARDINAL
framr-4075	1185	3	69	CARDINAL
framr-4075	1186	1	t., & alt	ORG
framr-4075	1186	2	r.	PERSON
framr-4075	1186	3	2016	DATE
framr-4075	1188	1	business &	ORG
framr-4075	1188	2	58	DATE
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framr-4075	1188	4	pwc	ORG
framr-4075	1189	1	2016	CARDINAL
framr-4075	1192	1	2021	CARDINAL
framr-4075	1193	1	digital	ORG
framr-4075	1194	1	k.	PERSON
framr-4075	1194	2	r.	NORP
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framr-4075	1194	4	k.	PERSON
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framr-4075	1195	1	fintech	ORG
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framr-4075	1196	3	a. (2018).	ORG
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framr-4075	1199	1	2021	CARDINAL
framr-4075	1200	1	fintech	ORG
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framr-4075	1202	1	ryzhkov	PERSON
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framr-4075	1202	3	s.	PERSON
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framr-4075	1204	1	2	CARDINAL
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framr-4075	1205	1	saddiq	GPE
framr-4075	1205	2	s. a.	PERSON
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framr-4075	1205	4	a. s.	PERSON
framr-4075	1205	5	2019	DATE
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framr-4075	1208	1	s.	PERSON
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framr-4075	1211	1	e., & nguyen	ORG
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framr-4075	1212	1	fintech	ORG
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framr-4075	1213	2	42(1	CARDINAL
framr-4075	1213	3	38-65	DATE
framr-4075	1214	1	https://doi.org/10.1108/ijbm07-2022-0328 sandmo	PERSON
framr-4075	1214	2	a. (	PERSON
framr-4075	1214	3	2005	DATE
framr-4075	1216	1	national tax journal	ORG
framr-4075	1216	2	643-663	CARDINAL
framr-4075	1217	1	prakash	PERSON
framr-4075	1217	2	s.	GPE
framr-4075	1217	3	2020	DATE
framr-4075	1219	1	37(1	DATE
framr-4075	1219	2	71-88	DATE
framr-4075	1220	1	sarmah	ORG
framr-4075	1220	2	s. s.	PERSON
framr-4075	1220	3	2018	DATE
framr-4075	1221	1	blockchain technology	ORG
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framr-4075	1222	2	23-29	CARDINAL
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framr-4075	1223	2	2025	DATE
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framr-4075	1223	4	1	CARDINAL
framr-4075	1223	5	2025	CARDINAL
framr-4075	1225	1	saxena	PERSON
framr-4075	1225	2	a. k.	PERSON
framr-4075	1225	3	a.	PERSON
framr-4075	1225	4	2019	DATE
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framr-4075	1227	2	1-11	CARDINAL
framr-4075	1228	1	schneider, f., & windischbauer	ORG
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framr-4075	1230	1	european	NORP
framr-4075	1230	2	26	DATE
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framr-4075	1231	1	2016	CARDINAL
framr-4075	1232	1	fintech	ORG
framr-4075	1233	1	4(4	CARDINAL
framr-4075	1233	2	32	CARDINAL
framr-4075	1234	1	2016	CARDINAL
framr-4075	1236	1	west sussex	GPE
framr-4075	1236	2	uk	GPE
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framr-4075	1237	4	l.	PERSON
framr-4075	1237	5	2016	DATE
framr-4075	1238	1	fintech	ORG
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framr-4075	1240	1	slemrod	NORP
framr-4075	1240	2	j. (	PERSON
framr-4075	1240	3	2007	DATE
framr-4075	1242	1	21(1	CARDINAL
framr-4075	1242	2	25	CARDINAL
framr-4075	1243	1	spreng	GPE
framr-4075	1243	2	r. n.	PERSON
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framr-4075	1243	4	b. e.	PERSON
framr-4075	1243	5	g. r.	PERSON
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framr-4075	1245	1	55	CARDINAL
framr-4075	1246	1	st.	GPE
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framr-4075	1246	3	s.	PERSON
framr-4075	1246	4	st.	GPE
framr-4075	1246	5	petersburg state university	ORG
framr-4075	1246	6	kim	PERSON
framr-4075	1246	7	y. s.	PERSON
framr-4075	1246	8	g.w. n. (	PERSON
framr-4075	1246	9	2020	DATE
framr-4075	1247	1	fintech	ORG
framr-4075	1248	1	sti	PERSON
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framr-4075	1248	4	j. (2018	ORG
framr-4075	1249	1	germany	GPE
framr-4075	1250	1	information & computer security	ORG
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framr-4075	1250	3	109	CARDINAL
framr-4075	1251	1	j.	GPE
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framr-4075	1252	2	j.	PERSON
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framr-4075	1254	1	21(5	CARDINAL
framr-4075	1254	2	1594	DATE
framr-4075	1255	1	2011	DATE
framr-4075	1256	1	basel committee	ORG
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framr-4075	1258	1	sutton	GPE
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framr-4075	1260	1	tache	ORG
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framr-4075	1262	1	11(2	CARDINAL
framr-4075	1262	2	218225	DATE
framr-4075	1263	1	tao	PERSON
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framr-4075	1265	1	174	CARDINAL
framr-4075	1265	2	121278	DATE
framr-4075	1266	1	d., & tapscott	ORG
framr-4075	1266	2	a.	PERSON
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framr-4075	1268	1	new york	GPE
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framr-4075	1272	1	415(8937	CARDINAL
framr-4075	1272	2	13	CARDINAL
framr-4075	1272	3	r.	PERSON
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framr-4075	1274	1	18(1	CARDINAL
framr-4075	1274	2	7-31	DATE
framr-4075	1275	1	tran	PERSON
framr-4075	1275	2	r. b. l.	PERSON
framr-4075	1275	3	kevin	PERSON
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framr-4075	1277	1	nelson mullins fintech	PERSON
framr-4075	1277	2	2023	CARDINAL
framr-4075	1278	1	r. g.	PERSON
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framr-4075	1280	1	50(9	CARDINAL
framr-4075	1280	2	14	CARDINAL
framr-4075	1281	1	a.	PERSON
framr-4075	1281	2	kamps	PERSON
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framr-4075	1281	4	e. a.	PERSON
framr-4075	1281	5	hetzel	PERSON
framr-4075	1281	6	f. j.	PERSON
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framr-4075	1281	10	s. d.	PERSON
framr-4075	1281	11	2022	CARDINAL
framr-4075	1283	1	11	CARDINAL
framr-4075	1283	2	1	CARDINAL
framr-4075	1284	1	uddin	NORP
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framr-4075	1286	1	12(1	CARDINAL
framr-4075	1286	2	15252	DATE
framr-4075	1287	1	k. e., & eboh	PERSON
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framr-4075	1288	1	nigeria	GPE
framr-4075	1289	1	asian journal of management sciences	ORG
framr-4075	1289	2	2(3	CARDINAL
framr-4075	1289	3	56	CARDINAL
framr-4075	1290	1	e. o.	PERSON
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framr-4075	1290	3	a.	PERSON
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framr-4075	1292	1	international journal of science and research archive	ORG
framr-4075	1292	2	1810-1817	DATE
framr-4075	1293	1	2025	DATE
framr-4075	1293	2	11(1	CARDINAL
framr-4075	1293	3	1-36 36	DATE
framr-4075	1293	4	2025	CARDINAL
framr-4075	1295	1	uña	PERSON
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framr-4075	1295	4	2023	CARDINAL
framr-4075	1297	1	ungureanu	PERSON
framr-4075	1297	2	& filip	ORG
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framr-4075	1298	1	2023	CARDINAL
framr-4075	1299	1	fintech	ORG
framr-4075	1300	1	18(1	CARDINAL
framr-4075	1300	2	549-559	CARDINAL
framr-4075	1301	1	y. a.	PERSON
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framr-4075	1303	1	102	CARDINAL
framr-4075	1303	2	265	CARDINAL
framr-4075	1303	3	m.	PERSON
framr-4075	1303	4	2023	CARDINAL
framr-4075	1305	1	polonia university	ORG
framr-4075	1305	2	58(3	DATE
framr-4075	1305	3	303	CARDINAL
framr-4075	1306	1	p. c.	PERSON
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framr-4075	1306	3	k., & inman	ORG
framr-4075	1306	4	j. j.	PERSON
framr-4075	1306	5	2015	CARDINAL
framr-4075	1308	1	91(2	CARDINAL
framr-4075	1308	2	174	CARDINAL
framr-4075	1309	1	2021	CARDINAL
framr-4075	1311	1	oxford	NORP
framr-4075	1312	1	vuković	ORG
framr-4075	1312	2	d. b.	PERSON
framr-4075	1312	3	hassan	PERSON
framr-4075	1312	4	m. k.	PERSON
framr-4075	1312	5	b.	PERSON
framr-4075	1312	6	a., & shakib	ORG
framr-4075	1312	7	m.	PERSON
framr-4075	1312	8	2024	CARDINAL
framr-4075	1313	1	fintech	ORG
framr-4075	1313	2	brics	GPE
framr-4075	1314	1	61, 101164	DATE
framr-4075	1315	1	https://doi.org/10.1016/j.ememar.2024.101164 wang	PERSON
framr-4075	1315	2	j. s.	PERSON
framr-4075	1315	3	2021	CARDINAL
framr-4075	1316	1	7(1	DATE
framr-4075	1316	2	42	DATE
framr-4075	1317	1	https://doi.org/10.1186/s40854-021-00260-2 wang	PERSON
framr-4075	1317	2	x.	GPE
framr-4075	1317	3	xue, h.	ORG
framr-4075	1317	4	liu	PERSON
framr-4075	1317	5	x.	GPE
framr-4075	1317	6	q.	PERSON
framr-4075	1317	7	2019	DATE
framr-4075	1319	1	7	CARDINAL
framr-4075	1319	2	14186-14197	DATE
framr-4075	1320	1	https://doi.org/10.1109/access.2019.2894535 world bank	ORG
framr-4075	1321	1	2022	CARDINAL
framr-4075	1324	1	2022	CARDINAL
framr-4075	1325	1	2022	CARDINAL
framr-4075	1326	1	https://www.weforum.org/ yahaya	DATE
framr-4075	1326	2	m. h., & ahmad	PERSON
framr-4075	1326	3	2018	DATE
framr-4075	1327	1	malaysia	GPE
framr-4075	1327	2	fintech & mobile	ORG
framr-4075	1328	1	5th	ORDINAL
framr-4075	1328	2	muamalah	GPE
framr-4075	1330	1	15-31	DATE
framr-4075	1330	2	yenkey	GPE
framr-4075	1330	3	c. b.	PERSON
framr-4075	1330	4	2018	DATE
framr-4075	1332	1	quarterly	DATE
framr-4075	1332	2	63(1	CARDINAL
framr-4075	1332	3	43	CARDINAL
framr-4075	1333	1	s. r.	PERSON
framr-4075	1333	2	goda	GPE
framr-4075	1333	3	d. r.	NORP
framr-4075	1333	4	mahadasa	ORG
framr-4075	1333	5	r.	NORP
framr-4075	1333	6	s. r.	PERSON
framr-4075	1333	7	varghese, a.	PERSON
framr-4075	1333	8	j.	PERSON
framr-4075	1334	1	dekkati	ORG
framr-4075	1334	2	s.	PERSON
framr-4075	1334	3	2021	CARDINAL
framr-4075	1336	1	asian	NORP
framr-4075	1336	2	11(3	CARDINAL
framr-4075	1336	3	125	CARDINAL
framr-4075	1337	1	https://doi.org/10.18034/abr.v11i3.694 zakaria	PERSON
framr-4075	1337	2	2023	CARDINAL
framr-4075	1340	1	123-130	CARDINAL
framr-4075	1341	1	cham	PERSON
framr-4075	1342	1	zeidy, i. a.	ORG
framr-4075	1342	2	2022	CARDINAL
framr-4075	1344	1	comesa monetary institute	ORG
framr-4075	1345	1	li	PERSON
framr-4075	1345	2	x.	GPE
framr-4075	1345	3	wang	PERSON
framr-4075	1345	4	j., & li	ORG
framr-4075	1345	5	j.	PERSON
framr-4075	1345	6	2020	DATE
framr-4075	1347	1	24(8	CARDINAL
framr-4075	1347	2	5885-5896	DATE