id	sid	tid	token	lemma	pos
framr-2919	1	1	1	1	NUM
framr-2919	1	2	©	©	PROPN
framr-2919	1	3	2022	2022	NUM
framr-2919	1	4	conscientia	conscientia	PROPN
framr-2919	1	5	beam	beam	PROPN
framr-2919	1	6	.	.	PUNCT
framr-2919	2	1	all	all	DET
framr-2919	2	2	rights	right	NOUN
framr-2919	2	3	reserved	reserve	VERB
framr-2919	2	4	.	.	PUNCT
framr-2919	3	1	predictive	predictive	ADJ
framr-2919	3	2	creditworthiness	creditworthiness	PROPN
framr-2919	3	3	modeling	modeling	NOUN
framr-2919	3	4	in	in	ADP
framr-2919	3	5	energy	energy	NOUN
framr-2919	3	6	-	-	PUNCT
framr-2919	3	7	saving	save	VERB
framr-2919	3	8	finance	finance	NOUN
framr-2919	3	9	:	:	PUNCT
framr-2919	3	10	machine	machine	NOUN
framr-2919	3	11	learning	learning	NOUN
framr-2919	3	12	logit	logit	PROPN
framr-2919	3	13	and	and	CCONJ
framr-2919	3	14	neural	neural	ADJ
framr-2919	3	15	network	network	NOUN
framr-2919	3	16	herlan1	herlan1	PROPN
framr-2919	3	17	eka	eka	PROPN
framr-2919	3	18	sudarmaji2	sudarmaji2	PROPN
framr-2919	3	19	+	+	CCONJ
framr-2919	3	20	m.	m.	NOUN
framr-2919	3	21	rubiul	rubiul	VERB
framr-2919	3	22	yatim3	yatim3	NOUN
framr-2919	3	23	1,2,3faculty	1,2,3faculty	NUM
framr-2919	3	24	of	of	ADP
framr-2919	3	25	economics	economic	NOUN
framr-2919	3	26	and	and	CCONJ
framr-2919	3	27	business	business	NOUN
framr-2919	3	28	,	,	PUNCT
framr-2919	3	29	university	university	PROPN
framr-2919	3	30	of	of	ADP
framr-2919	3	31	pancasila	pancasila	PROPN
framr-2919	3	32	,	,	PUNCT
framr-2919	3	33	jalan	jalan	PROPN
framr-2919	3	34	srengseng	srengseng	PROPN
framr-2919	3	35	sawah	sawah	PROPN
framr-2919	3	36	,	,	PUNCT
framr-2919	3	37	pasar	pasar	PROPN
framr-2919	3	38	minggu	minggu	PROPN
framr-2919	3	39	jakarta	jakarta	PROPN
framr-2919	3	40	,	,	PUNCT
framr-2919	3	41	indonesia	indonesia	PROPN
framr-2919	3	42	.	.	PUNCT
framr-2919	4	1	1email	1email	NUM
framr-2919	4	2	:	:	PUNCT
framr-2919	4	3	herlan@univpancasila.ac.id	herlan@univpancasila.ac.id	ADJ
framr-2919	4	4	tel	tel	NOUN
framr-2919	4	5	:	:	PUNCT
framr-2919	4	6	0816946278	0816946278	NUM
framr-2919	4	7	2email	2email	NUM
framr-2919	4	8	:	:	PUNCT
framr-2919	4	9	esudarmaji@univpancasila.ac.id	esudarmaji@univpancasila.ac.id	NOUN
framr-2919	4	10	tel	tel	PROPN
framr-2919	4	11	:	:	PUNCT
framr-2919	4	12	087884964643	087884964643	NUM
framr-2919	5	1	3email	3email	NUM
framr-2919	5	2	:	:	PUNCT
framr-2919	5	3	mrubiulyatim@univpancasila.ac.id	mrubiulyatim@univpancasila.ac.id	NOUN
framr-2919	5	4	tel	tel	PROPN
framr-2919	5	5	:	:	PUNCT
framr-2919	5	6	081384467762	081384467762	NUM
framr-2919	5	7	(	(	PUNCT
framr-2919	5	8	+	+	NUM
framr-2919	5	9	corresponding	correspond	VERB
framr-2919	5	10	author	author	NOUN
framr-2919	5	11	)	)	PUNCT
framr-2919	5	12	abstract	abstract	ADJ
framr-2919	5	13	article	article	NOUN
framr-2919	5	14	history	history	NOUN
framr-2919	5	15	received	receive	VERB
framr-2919	5	16	:	:	PUNCT
framr-2919	5	17	14	14	NUM
framr-2919	5	18	december	december	PROPN
framr-2919	5	19	2021	2021	NUM
framr-2919	5	20	revised	revise	VERB
framr-2919	5	21	:	:	PUNCT
framr-2919	5	22	17	17	NUM
framr-2919	5	23	january	january	PROPN
framr-2919	5	24	2022	2022	NUM
framr-2919	5	25	accepted	accept	VERB
framr-2919	5	26	:	:	PUNCT
framr-2919	5	27	31	31	NUM
framr-2919	5	28	january	january	PROPN
framr-2919	5	29	2022	2022	NUM
framr-2919	5	30	published	publish	VERB
framr-2919	5	31	:	:	PUNCT
framr-2919	5	32	8	8	NUM
framr-2919	5	33	february	february	NOUN
framr-2919	5	34	2022	2022	NUM
framr-2919	5	35	keywords	keyword	NOUN
framr-2919	5	36	creditworthiness	creditworthiness	PROPN
framr-2919	5	37	esco	esco	PROPN
framr-2919	5	38	machine	machine	PROPN
framr-2919	5	39	learning	learning	PROPN
framr-2919	5	40	logit	logit	PROPN
framr-2919	5	41	regression	regression	VERB
framr-2919	5	42	lcca	lcca	PROPN
framr-2919	5	43	retrofit	retrofit	NOUN
framr-2919	5	44	finance	finance	NOUN
framr-2919	5	45	.	.	PUNCT
framr-2919	6	1	jel	jel	PROPN
framr-2919	6	2	classification	classification	PROPN
framr-2919	6	3	:	:	PUNCT
framr-2919	6	4	c25	c25	PROPN
framr-2919	6	5	,	,	PUNCT
framr-2919	6	6	c53	c53	NOUN
framr-2919	6	7	,	,	PUNCT
framr-2919	6	8	q48	q48	NOUN
framr-2919	6	9	.	.	PUNCT
framr-2919	7	1	customer	customer	NOUN
framr-2919	7	2	's	's	PART
framr-2919	7	3	creditworthiness	creditworthiness	NOUN
framr-2919	7	4	was	be	AUX
framr-2919	7	5	becoming	become	VERB
framr-2919	7	6	more	more	ADV
framr-2919	7	7	crucial	crucial	ADJ
framr-2919	7	8	for	for	SCONJ
framr-2919	7	9	esco	esco	PROPN
framr-2919	7	10	.	.	PROPN
framr-2919	7	11	machine	machine	NOUN
framr-2919	7	12	learning	learning	NOUN
framr-2919	7	13	was	be	AUX
framr-2919	7	14	used	use	VERB
framr-2919	7	15	to	to	PART
framr-2919	7	16	predict	predict	VERB
framr-2919	7	17	the	the	DET
framr-2919	7	18	creditworthiness	creditworthiness	NOUN
framr-2919	7	19	of	of	ADP
framr-2919	7	20	clients	client	NOUN
framr-2919	7	21	in	in	ADP
framr-2919	7	22	retrofit	retrofit	NOUN
framr-2919	7	23	financing	financing	NOUN
framr-2919	7	24	processes	process	NOUN
framr-2919	7	25	.	.	PUNCT
framr-2919	8	1	machine	machine	NOUN
framr-2919	8	2	learning	learning	NOUN
framr-2919	8	3	was	be	AUX
framr-2919	8	4	used	use	VERB
framr-2919	8	5	to	to	PART
framr-2919	8	6	predict	predict	VERB
framr-2919	8	7	the	the	DET
framr-2919	8	8	creditworthiness	creditworthiness	NOUN
framr-2919	8	9	of	of	ADP
framr-2919	8	10	clients	client	NOUN
framr-2919	8	11	in	in	ADP
framr-2919	8	12	esco	esco	PROPN
framr-2919	8	13	financing	financing	NOUN
framr-2919	8	14	processes	process	NOUN
framr-2919	8	15	.	.	PUNCT
framr-2919	9	1	this	this	DET
framr-2919	9	2	research	research	NOUN
framr-2919	9	3	aimed	aim	VERB
framr-2919	9	4	to	to	PART
framr-2919	9	5	develop	develop	VERB
framr-2919	9	6	a	a	DET
framr-2919	9	7	retrofitting	retrofitting	NOUN
framr-2919	9	8	scoring	scoring	NOUN
framr-2919	9	9	model	model	NOUN
framr-2919	9	10	to	to	PART
framr-2919	9	11	leverage	leverage	VERB
framr-2919	9	12	a	a	DET
framr-2919	9	13	machine	machine	NOUN
framr-2919	9	14	learning	learning	NOUN
framr-2919	9	15	and	and	CCONJ
framr-2919	9	16	life	life	NOUN
framr-2919	9	17	cycle	cycle	NOUN
framr-2919	9	18	cost	cost	NOUN
framr-2919	9	19	analysis	analysis	NOUN
framr-2919	9	20	(	(	PUNCT
framr-2919	9	21	lcca	lcca	PROPN
framr-2919	9	22	)	)	PUNCT
framr-2919	9	23	to	to	PART
framr-2919	9	24	evaluate	evaluate	VERB
framr-2919	9	25	alternative	alternative	ADJ
framr-2919	9	26	financing	financing	NOUN
framr-2919	9	27	for	for	ADP
framr-2919	9	28	energy	energy	NOUN
framr-2919	9	29	efficiency	efficiency	NOUN
framr-2919	9	30	saving	save	VERB
framr-2919	9	31	in	in	ADP
framr-2919	9	32	indonesia	indonesia	PROPN
framr-2919	9	33	.	.	PUNCT
framr-2919	10	1	the	the	DET
framr-2919	10	2	model	model	NOUN
framr-2919	10	3	was	be	AUX
framr-2919	10	4	built	build	VERB
framr-2919	10	5	on	on	ADP
framr-2919	10	6	the	the	DET
framr-2919	10	7	logistic	logistic	ADJ
framr-2919	10	8	regression	regression	NOUN
framr-2919	10	9	model	model	NOUN
framr-2919	10	10	and	and	CCONJ
framr-2919	10	11	artificial	artificial	ADJ
framr-2919	10	12	neural	neural	ADJ
framr-2919	10	13	networks	network	NOUN
framr-2919	10	14	model	model	NOUN
framr-2919	10	15	of	of	ADP
framr-2919	10	16	machine	machine	NOUN
framr-2919	10	17	learning	learning	NOUN
framr-2919	10	18	.	.	PUNCT
framr-2919	11	1	the	the	DET
framr-2919	11	2	model	model	NOUN
framr-2919	11	3	was	be	AUX
framr-2919	11	4	developed	develop	VERB
framr-2919	11	5	and	and	CCONJ
framr-2919	11	6	tested	test	VERB
framr-2919	11	7	using	use	VERB
framr-2919	11	8	the	the	DET
framr-2919	11	9	python	python	NOUN
framr-2919	11	10	algorithm	algorithm	NOUN
framr-2919	11	11	,	,	PUNCT
framr-2919	11	12	and	and	CCONJ
framr-2919	11	13	the	the	DET
framr-2919	11	14	proposed	propose	VERB
framr-2919	11	15	model	model	NOUN
framr-2919	11	16	's	's	PART
framr-2919	11	17	efficiency	efficiency	NOUN
framr-2919	11	18	was	be	AUX
framr-2919	11	19	demonstrated	demonstrate	VERB
framr-2919	11	20	.	.	PUNCT
framr-2919	12	1	the	the	DET
framr-2919	12	2	logistic	logistic	ADJ
framr-2919	12	3	regression	regression	NOUN
framr-2919	12	4	calculations	calculation	NOUN
framr-2919	12	5	showed	show	VERB
framr-2919	12	6	that	that	SCONJ
framr-2919	12	7	the	the	DET
framr-2919	12	8	accuracy	accuracy	NOUN
framr-2919	12	9	value	value	NOUN
framr-2919	12	10	of	of	ADP
framr-2919	12	11	prediction	prediction	NOUN
framr-2919	12	12	data	datum	NOUN
framr-2919	12	13	with	with	ADP
framr-2919	12	14	test	test	NOUN
framr-2919	12	15	data	datum	NOUN
framr-2919	12	16	was	be	AUX
framr-2919	12	17	88.3562	88.3562	NUM
framr-2919	12	18	%	%	NOUN
framr-2919	12	19	and	and	CCONJ
framr-2919	12	20	87.67	87.67	NUM
framr-2919	12	21	%	%	NOUN
framr-2919	12	22	for	for	ADP
framr-2919	12	23	artificial	artificial	ADJ
framr-2919	12	24	neural	neural	ADJ
framr-2919	12	25	networks	network	NOUN
framr-2919	12	26	and	and	CCONJ
framr-2919	12	27	logistic	logistic	ADJ
framr-2919	12	28	regression	regression	NOUN
framr-2919	12	29	models	model	NOUN
framr-2919	12	30	.	.	PUNCT
framr-2919	13	1	the	the	DET
framr-2919	13	2	prediction	prediction	NOUN
framr-2919	13	3	rate	rate	NOUN
framr-2919	13	4	result	result	NOUN
framr-2919	13	5	that	that	PRON
framr-2919	13	6	refers	refer	VERB
framr-2919	13	7	to	to	ADP
framr-2919	13	8	the	the	DET
framr-2919	13	9	correct	correct	ADJ
framr-2919	13	10	predictions	prediction	NOUN
framr-2919	13	11	among	among	ADP
framr-2919	13	12	all	all	DET
framr-2919	13	13	test	test	NOUN
framr-2919	13	14	data	datum	NOUN
framr-2919	13	15	for	for	ADP
framr-2919	13	16	artificial	artificial	ADJ
framr-2919	13	17	neural	neural	ADJ
framr-2919	13	18	networks	network	NOUN
framr-2919	13	19	and	and	CCONJ
framr-2919	13	20	logistic	logistic	ADJ
framr-2919	13	21	regression	regression	NOUN
framr-2919	13	22	model	model	NOUN
framr-2919	13	23	was	be	AUX
framr-2919	13	24	92.20	92.20	NUM
framr-2919	13	25	%	%	NOUN
framr-2919	13	26	and	and	CCONJ
framr-2919	13	27	91.98	91.98	NUM
framr-2919	13	28	%	%	NOUN
framr-2919	13	29	,	,	PUNCT
framr-2919	13	30	respectively	respectively	ADV
framr-2919	13	31	.	.	PUNCT
framr-2919	14	1	meanwhile	meanwhile	ADV
framr-2919	14	2	,	,	PUNCT
framr-2919	14	3	the	the	DET
framr-2919	14	4	percentage	percentage	NOUN
framr-2919	14	5	of	of	ADP
framr-2919	14	6	customers	customer	NOUN
framr-2919	14	7	who	who	PRON
framr-2919	14	8	were	be	AUX
framr-2919	14	9	correct	correct	ADJ
framr-2919	14	10	to	to	ADP
framr-2919	14	11	all	all	DET
framr-2919	14	12	customers	customer	NOUN
framr-2919	14	13	predicted	predict	VERB
framr-2919	14	14	to	to	PART
framr-2919	14	15	default	default	VERB
framr-2919	14	16	was	be	AUX
framr-2919	14	17	94.41	94.41	NUM
framr-2919	14	18	%	%	NOUN
framr-2919	14	19	for	for	ADP
framr-2919	14	20	artificial	artificial	ADJ
framr-2919	14	21	neural	neural	ADJ
framr-2919	14	22	networks	network	NOUN
framr-2919	14	23	and	and	CCONJ
framr-2919	14	24	93.81	93.81	NUM
framr-2919	14	25	%	%	NOUN
framr-2919	14	26	for	for	ADP
framr-2919	14	27	the	the	DET
framr-2919	14	28	logistic	logistic	ADJ
framr-2919	14	29	regression	regression	NOUN
framr-2919	14	30	model	model	NOUN
framr-2919	14	31	.	.	PUNCT
framr-2919	15	1	credit	credit	NOUN
framr-2919	15	2	models	model	NOUN
framr-2919	15	3	were	be	AUX
framr-2919	15	4	helpful	helpful	ADJ
framr-2919	15	5	to	to	PART
framr-2919	15	6	evaluate	evaluate	VERB
framr-2919	15	7	the	the	DET
framr-2919	15	8	risk	risk	NOUN
framr-2919	15	9	of	of	ADP
framr-2919	15	10	consumer	consumer	NOUN
framr-2919	15	11	loans	loan	NOUN
framr-2919	15	12	.	.	PUNCT
framr-2919	16	1	finally	finally	ADV
framr-2919	16	2	,	,	PUNCT
framr-2919	16	3	the	the	DET
framr-2919	16	4	quality	quality	NOUN
framr-2919	16	5	and	and	CCONJ
framr-2919	16	6	performance	performance	NOUN
framr-2919	16	7	of	of	ADP
framr-2919	16	8	these	these	DET
framr-2919	16	9	models	model	NOUN
framr-2919	16	10	were	be	AUX
framr-2919	16	11	evaluated	evaluate	VERB
framr-2919	16	12	and	and	CCONJ
framr-2919	16	13	compared	compare	VERB
framr-2919	16	14	to	to	PART
framr-2919	16	15	identify	identify	VERB
framr-2919	16	16	the	the	DET
framr-2919	16	17	best	good	ADJ
framr-2919	16	18	one	one	NUM
framr-2919	16	19	.	.	PUNCT
framr-2919	17	1	the	the	DET
framr-2919	17	2	logistic	logistic	ADJ
framr-2919	17	3	regression	regression	NOUN
framr-2919	17	4	and	and	CCONJ
framr-2919	17	5	neural	neural	ADJ
framr-2919	17	6	network	network	NOUN
framr-2919	17	7	models	model	NOUN
framr-2919	17	8	obtained	obtain	VERB
framr-2919	17	9	were	be	AUX
framr-2919	17	10	good	good	ADJ
framr-2919	17	11	and	and	CCONJ
framr-2919	17	12	very	very	ADV
framr-2919	17	13	similar	similar	ADJ
framr-2919	17	14	,	,	PUNCT
framr-2919	17	15	although	although	SCONJ
framr-2919	17	16	the	the	DET
framr-2919	17	17	neural	neural	ADJ
framr-2919	17	18	network	network	NOUN
framr-2919	17	19	was	be	AUX
framr-2919	17	20	slightly	slightly	ADV
framr-2919	17	21	better	well	ADJ
framr-2919	17	22	.	.	PUNCT
framr-2919	18	1	contribution	contribution	NOUN
framr-2919	18	2	/	/	SYM
framr-2919	18	3	originality	originality	NOUN
framr-2919	18	4	:	:	PUNCT
framr-2919	18	5	this	this	DET
framr-2919	18	6	study	study	NOUN
framr-2919	18	7	gained	gain	VERB
framr-2919	18	8	a	a	DET
framr-2919	18	9	deeper	deep	ADJ
framr-2919	18	10	understanding	understanding	NOUN
framr-2919	18	11	of	of	ADP
framr-2919	18	12	the	the	DET
framr-2919	18	13	obstacles	obstacle	NOUN
framr-2919	18	14	in	in	ADP
framr-2919	18	15	promoting	promote	VERB
framr-2919	18	16	energy	energy	NOUN
framr-2919	18	17	efficiency	efficiency	NOUN
framr-2919	18	18	practices	practice	NOUN
framr-2919	18	19	in	in	ADP
framr-2919	18	20	indonesia	indonesia	PROPN
framr-2919	18	21	's	's	PART
framr-2919	18	22	building	building	NOUN
framr-2919	18	23	energy	energy	NOUN
framr-2919	18	24	efficiency	efficiency	NOUN
framr-2919	18	25	and	and	CCONJ
framr-2919	18	26	esco	esco	PROPN
framr-2919	18	27	.	.	PROPN
framr-2919	19	1	therefore	therefore	ADV
framr-2919	19	2	,	,	PUNCT
framr-2919	19	3	the	the	DET
framr-2919	19	4	results	result	NOUN
framr-2919	19	5	of	of	ADP
framr-2919	19	6	this	this	DET
framr-2919	19	7	study	study	NOUN
framr-2919	19	8	have	have	VERB
framr-2919	19	9	implications	implication	NOUN
framr-2919	19	10	for	for	ADP
framr-2919	19	11	management	management	NOUN
framr-2919	19	12	science	science	NOUN
framr-2919	19	13	,	,	PUNCT
framr-2919	19	14	management	management	NOUN
framr-2919	19	15	practices	practice	NOUN
framr-2919	19	16	in	in	ADP
framr-2919	19	17	the	the	DET
framr-2919	19	18	company	company	NOUN
framr-2919	19	19	and	and	CCONJ
framr-2919	19	20	commercial	commercial	ADJ
framr-2919	19	21	building	building	NOUN
framr-2919	19	22	industry	industry	NOUN
framr-2919	19	23	in	in	ADP
framr-2919	19	24	indonesia	indonesia	PROPN
framr-2919	19	25	,	,	PUNCT
framr-2919	19	26	and	and	CCONJ
framr-2919	19	27	the	the	DET
framr-2919	19	28	government	government	NOUN
framr-2919	19	29	as	as	ADP
framr-2919	19	30	a	a	DET
framr-2919	19	31	regulator	regulator	NOUN
framr-2919	19	32	.	.	PUNCT
framr-2919	20	1	1	1	X
framr-2919	20	2	.	.	X
framr-2919	20	3	introduction	introduction	NOUN
framr-2919	20	4	this	this	DET
framr-2919	20	5	research	research	NOUN
framr-2919	20	6	looked	look	VERB
framr-2919	20	7	at	at	ADP
framr-2919	20	8	the	the	DET
framr-2919	20	9	influence	influence	NOUN
framr-2919	20	10	of	of	ADP
framr-2919	20	11	an	an	DET
framr-2919	20	12	energy	energy	NOUN
framr-2919	20	13	-	-	PUNCT
framr-2919	20	14	efficiency	efficiency	NOUN
framr-2919	20	15	program	program	NOUN
framr-2919	20	16	on	on	ADP
framr-2919	20	17	one	one	NUM
framr-2919	20	18	method	method	NOUN
framr-2919	20	19	of	of	ADP
framr-2919	20	20	lowering	lower	VERB
framr-2919	20	21	energy	energy	NOUN
framr-2919	20	22	consumption	consumption	NOUN
framr-2919	20	23	:	:	PUNCT
framr-2919	20	24	switching	switch	VERB
framr-2919	20	25	to	to	ADP
framr-2919	20	26	energy	energy	NOUN
framr-2919	20	27	-	-	PUNCT
framr-2919	20	28	saving	save	VERB
framr-2919	20	29	lighting	lighting	NOUN
framr-2919	20	30	.	.	PUNCT
framr-2919	21	1	the	the	DET
framr-2919	21	2	figure	figure	NOUN
framr-2919	21	3	shows	show	VERB
framr-2919	21	4	the	the	DET
framr-2919	21	5	example	example	NOUN
framr-2919	21	6	comparative	comparative	ADJ
framr-2919	21	7	measurement	measurement	NOUN
framr-2919	21	8	between	between	ADP
framr-2919	21	9	led	lead	VERB
framr-2919	21	10	energy	energy	NOUN
framr-2919	21	11	-	-	PUNCT
framr-2919	21	12	saving	save	VERB
framr-2919	21	13	and	and	CCONJ
framr-2919	21	14	conventional	conventional	ADJ
framr-2919	21	15	lightings	lighting	NOUN
framr-2919	21	16	shown	show	VERB
framr-2919	21	17	in	in	ADP
framr-2919	21	18	table	table	NOUN
framr-2919	21	19	1	1	NUM
framr-2919	21	20	.	.	PUNCT
framr-2919	22	1	authors	author	NOUN
framr-2919	22	2	defined	define	VERB
framr-2919	22	3	retrofits	retrofit	NOUN
framr-2919	22	4	as	as	ADP
framr-2919	22	5	the	the	DET
framr-2919	22	6	replacement	replacement	NOUN
framr-2919	22	7	of	of	ADP
framr-2919	22	8	conventional	conventional	ADJ
framr-2919	22	9	lightings	lighting	NOUN
framr-2919	22	10	equipment	equipment	NOUN
framr-2919	22	11	with	with	ADP
framr-2919	22	12	new	new	ADJ
framr-2919	22	13	led	lead	VERB
framr-2919	22	14	energy	energy	NOUN
framr-2919	22	15	-	-	PUNCT
framr-2919	22	16	saving	saving	NOUN
framr-2919	22	17	,	,	PUNCT
framr-2919	22	18	or	or	CCONJ
framr-2919	22	19	the	the	DET
framr-2919	22	20	construction	construction	NOUN
framr-2919	22	21	of	of	ADP
framr-2919	22	22	new	new	ADJ
framr-2919	22	23	infrastructure	infrastructure	NOUN
framr-2919	22	24	to	to	PART
framr-2919	22	25	increase	increase	VERB
framr-2919	22	26	energy	energy	NOUN
framr-2919	22	27	efficiency	efficiency	NOUN
framr-2919	22	28	and	and	CCONJ
framr-2919	22	29	lower	low	ADJ
framr-2919	22	30	utility	utility	NOUN
framr-2919	22	31	costs	cost	NOUN
framr-2919	22	32	before	before	SCONJ
framr-2919	22	33	the	the	DET
framr-2919	22	34	old	old	ADJ
framr-2919	22	35	equipment	equipment	NOUN
framr-2919	22	36	was	be	AUX
framr-2919	22	37	damaged	damage	VERB
framr-2919	22	38	or	or	CCONJ
framr-2919	22	39	reached	reach	VERB
framr-2919	22	40	the	the	DET
framr-2919	22	41	end	end	NOUN
framr-2919	22	42	of	of	ADP
framr-2919	22	43	its	its	PRON
framr-2919	22	44	economic	economic	ADJ
framr-2919	22	45	life	life	NOUN
framr-2919	22	46	(	(	PUNCT
framr-2919	22	47	dobbs	dobbs	X
framr-2919	22	48	et	et	PROPN
framr-2919	22	49	al	al	PROPN
framr-2919	22	50	.	.	PROPN
framr-2919	22	51	,	,	PUNCT
framr-2919	22	52	2013	2013	NUM
framr-2919	22	53	;	;	PUNCT
framr-2919	22	54	frankel	frankel	NOUN
framr-2919	22	55	,	,	PUNCT
framr-2919	22	56	heck	heck	INTJ
framr-2919	22	57	,	,	PUNCT
framr-2919	22	58	&	&	CCONJ
framr-2919	22	59	tai	tai	PROPN
framr-2919	22	60	,	,	PUNCT
framr-2919	22	61	2013	2013	NUM
framr-2919	22	62	;	;	PUNCT
framr-2919	22	63	husin	husin	PROPN
framr-2919	22	64	,	,	PUNCT
framr-2919	22	65	ahmad	ahmad	PROPN
framr-2919	22	66	,	,	PUNCT
framr-2919	22	67	ab	ab	PROPN
framr-2919	22	68	wahid	wahid	PROPN
framr-2919	22	69	,	,	PUNCT
framr-2919	22	70	&	&	CCONJ
framr-2919	22	71	kamaruzzaman	kamaruzzaman	NOUN
framr-2919	22	72	,	,	PUNCT
framr-2919	22	73	2017	2017	NUM
framr-2919	22	74	;	;	PUNCT
framr-2919	22	75	mcwilliams	mcwilliams	PROPN
framr-2919	22	76	&	&	CCONJ
framr-2919	22	77	walker	walker	PROPN
framr-2919	22	78	,	,	PUNCT
framr-2919	22	79	2005	2005	NUM
framr-2919	22	80	)	)	PUNCT
framr-2919	22	81	.	.	PUNCT
framr-2919	23	1	under	under	ADP
framr-2919	23	2	this	this	DET
framr-2919	23	3	model	model	NOUN
framr-2919	23	4	,	,	PUNCT
framr-2919	23	5	retrofit	retrofit	NOUN
framr-2919	23	6	projects	project	NOUN
framr-2919	23	7	would	would	AUX
framr-2919	23	8	need	need	VERB
framr-2919	23	9	investment	investment	NOUN
framr-2919	23	10	,	,	PUNCT
framr-2919	23	11	and	and	CCONJ
framr-2919	23	12	the	the	DET
framr-2919	23	13	worth	worth	NOUN
framr-2919	23	14	of	of	ADP
framr-2919	23	15	the	the	DET
framr-2919	23	16	retrofits	retrofit	NOUN
framr-2919	23	17	would	would	AUX
framr-2919	23	18	be	be	AUX
framr-2919	23	19	determined	determine	VERB
framr-2919	23	20	by	by	ADP
framr-2919	23	21	the	the	DET
framr-2919	23	22	investment	investment	NOUN
framr-2919	23	23	payback	payback	NOUN
framr-2919	23	24	time	time	NOUN
framr-2919	23	25	(	(	PUNCT
framr-2919	23	26	heesen	heesen	NOUN
framr-2919	23	27	&	&	CCONJ
framr-2919	23	28	madlener	madlener	PROPN
framr-2919	23	29	,	,	PUNCT
framr-2919	23	30	2016	2016	NUM
framr-2919	23	31	;	;	PUNCT
framr-2919	23	32	kumbaroğlu	kumbaroğlu	PROPN
framr-2919	23	33	&	&	CCONJ
framr-2919	23	34	madlener	madlener	PROPN
framr-2919	23	35	,	,	PUNCT
framr-2919	23	36	2012	2012	NUM
framr-2919	23	37	)	)	PUNCT
framr-2919	23	38	.	.	PUNCT
framr-2919	24	1	the	the	DET
framr-2919	24	2	value	value	NOUN
framr-2919	24	3	financial	financial	ADJ
framr-2919	24	4	risk	risk	NOUN
framr-2919	24	5	and	and	CCONJ
framr-2919	24	6	management	management	NOUN
framr-2919	24	7	reviews	review	NOUN
framr-2919	24	8	2022	2022	NUM
framr-2919	24	9	vol	vol	NOUN
framr-2919	24	10	.	.	PROPN
framr-2919	24	11	8	8	NUM
framr-2919	24	12	,	,	PUNCT
framr-2919	24	13	no	no	INTJ
framr-2919	24	14	.	.	NOUN
framr-2919	24	15	1	1	NUM
framr-2919	24	16	,	,	PUNCT
framr-2919	24	17	pp	pp	ADJ
framr-2919	24	18	.	.	PUNCT
framr-2919	25	1	1	1	NUM
framr-2919	25	2	-	-	SYM
framr-2919	25	3	11	11	NUM
framr-2919	25	4	.	.	PUNCT
framr-2919	26	1	issn(e	issn(e	INTJ
framr-2919	26	2	):	):	PUNCT
framr-2919	26	3	2411	2411	NUM
framr-2919	26	4	-	-	SYM
framr-2919	26	5	6408	6408	NUM
framr-2919	26	6	issn(p	issn(p	NUM
framr-2919	26	7	):	):	PUNCT
framr-2919	26	8	2412	2412	NUM
framr-2919	26	9	-	-	SYM
framr-2919	26	10	3404	3404	NUM
framr-2919	26	11	doi	doi	NOUN
framr-2919	26	12	:	:	PUNCT
framr-2919	26	13	10.18488/89.v8i1.2919	10.18488/89.v8i1.2919	PROPN
framr-2919	26	14	©	©	PROPN
framr-2919	26	15	2022	2022	NUM
framr-2919	26	16	conscientia	conscientia	PROPN
framr-2919	26	17	beam	beam	PROPN
framr-2919	26	18	.	.	PUNCT
framr-2919	27	1	all	all	DET
framr-2919	27	2	rights	right	NOUN
framr-2919	27	3	reserved	reserve	VERB
framr-2919	27	4	.	.	PUNCT
framr-2919	28	1	https://orcid.org/0000-0002-7240-1589	https://orcid.org/0000-0002-7240-1589	PROPN
framr-2919	28	2	https://orcid.org/0000-0002-6074-5114	https://orcid.org/0000-0002-6074-5114	NOUN
framr-2919	28	3	mailto:herlan@univpancasila.ac.id	mailto:herlan@univpancasila.ac.id	PROPN
framr-2919	28	4	mailto:esudarmaji@univpancasila.ac.id	mailto:esudarmaji@univpancasila.ac.id	PROPN
framr-2919	28	5	mailto:mrubiulyatim@univpancasila.ac.id	mailto:mrubiulyatim@univpancasila.ac.id	PROPN
framr-2919	28	6	https://orcid.org/0000-0002-9465-9601	https://orcid.org/0000-0002-9465-9601	ADJ
framr-2919	28	7	https://www.doi.org/10.18488/89.v8i1.2919	https://www.doi.org/10.18488/89.v8i1.2919	NOUN
framr-2919	28	8	financial	financial	ADJ
framr-2919	28	9	risk	risk	NOUN
framr-2919	28	10	and	and	CCONJ
framr-2919	28	11	management	management	NOUN
framr-2919	28	12	reviews	review	NOUN
framr-2919	28	13	,	,	PUNCT
framr-2919	28	14	2022	2022	NUM
framr-2919	28	15	,	,	PUNCT
framr-2919	28	16	8(1	8(1	NOUN
framr-2919	28	17	):	):	PUNCT
framr-2919	28	18	1	1	NUM
framr-2919	28	19	-	-	SYM
framr-2919	28	20	11	11	NUM
framr-2919	28	21	2	2	NUM
framr-2919	28	22	©	©	PROPN
framr-2919	28	23	2022	2022	NUM
framr-2919	28	24	conscientia	conscientia	PROPN
framr-2919	28	25	beam	beam	PROPN
framr-2919	28	26	.	.	PUNCT
framr-2919	29	1	all	all	DET
framr-2919	29	2	rights	right	NOUN
framr-2919	29	3	reserved	reserve	VERB
framr-2919	29	4	.	.	PUNCT
framr-2919	30	1	of	of	ADP
framr-2919	30	2	the	the	DET
framr-2919	30	3	investment	investment	NOUN
framr-2919	30	4	determined	determine	VERB
framr-2919	30	5	the	the	DET
framr-2919	30	6	payback	payback	NOUN
framr-2919	30	7	time	time	NOUN
framr-2919	30	8	,	,	PUNCT
framr-2919	30	9	energy	energy	NOUN
framr-2919	30	10	expenses	expense	NOUN
framr-2919	30	11	,	,	PUNCT
framr-2919	30	12	and	and	CCONJ
framr-2919	30	13	operational	operational	ADJ
framr-2919	30	14	hours	hour	NOUN
framr-2919	30	15	of	of	ADP
framr-2919	30	16	the	the	DET
framr-2919	30	17	equipment	equipment	NOUN
framr-2919	30	18	(	(	PUNCT
framr-2919	30	19	angelis	angelis	PROPN
framr-2919	30	20	&	&	CCONJ
framr-2919	30	21	nussbaum	nussbaum	PROPN
framr-2919	30	22	,	,	PUNCT
framr-2919	30	23	2015	2015	NUM
framr-2919	30	24	;	;	PUNCT
framr-2919	30	25	fuller	full	ADJ
framr-2919	30	26	&	&	CCONJ
framr-2919	30	27	petersen	petersen	PROPN
framr-2919	30	28	,	,	PUNCT
framr-2919	30	29	1996	1996	NUM
framr-2919	30	30	;	;	PUNCT
framr-2919	30	31	ruparathna	ruparathna	NOUN
framr-2919	30	32	,	,	PUNCT
framr-2919	30	33	hewage	hewage	NOUN
framr-2919	30	34	,	,	PUNCT
framr-2919	30	35	&	&	CCONJ
framr-2919	30	36	sadiq	sadiq	PROPN
framr-2919	30	37	,	,	PUNCT
framr-2919	30	38	2017	2017	NUM
framr-2919	30	39	)	)	PUNCT
framr-2919	30	40	.	.	PUNCT
framr-2919	31	1	the	the	DET
framr-2919	31	2	operational	operational	ADJ
framr-2919	31	3	hours	hour	NOUN
framr-2919	31	4	of	of	ADP
framr-2919	31	5	led	lead	VERB
framr-2919	31	6	were	be	AUX
framr-2919	31	7	used	use	VERB
framr-2919	31	8	to	to	PART
framr-2919	31	9	determine	determine	VERB
framr-2919	31	10	the	the	DET
framr-2919	31	11	performance	performance	NOUN
framr-2919	31	12	of	of	ADP
framr-2919	31	13	the	the	DET
framr-2919	31	14	company	company	NOUN
framr-2919	31	15	's	's	PART
framr-2919	31	16	financial	financial	ADJ
framr-2919	31	17	plans	plan	NOUN
framr-2919	31	18	.	.	PUNCT
framr-2919	32	1	table	table	NOUN
framr-2919	32	2	1	1	NUM
framr-2919	32	3	.	.	PUNCT
framr-2919	32	4	comparative	comparative	ADJ
framr-2919	32	5	measurement	measurement	NOUN
framr-2919	32	6	between	between	ADP
framr-2919	32	7	led	lead	VERB
framr-2919	32	8	and	and	CCONJ
framr-2919	32	9	tld	tld	NOUN
framr-2919	32	10	.	.	PUNCT
framr-2919	33	1	no	no	DET
framr-2919	33	2	description	description	NOUN
framr-2919	33	3	tld	tld	NOUN
framr-2919	33	4	led	lead	VERB
framr-2919	33	5	tube	tube	NOUN
framr-2919	33	6	1	1	NUM
framr-2919	33	7	energy	energy	NOUN
framr-2919	33	8	consumption	consumption	NOUN
framr-2919	33	9	(	(	PUNCT
framr-2919	33	10	watt	watt	NOUN
framr-2919	33	11	)	)	PUNCT
framr-2919	33	12	72	72	NUM
framr-2919	33	13	16	16	NUM
framr-2919	33	14	2	2	NUM
framr-2919	33	15	operational	operational	ADJ
framr-2919	33	16	hours	hour	NOUN
framr-2919	33	17	8	8	NUM
framr-2919	33	18	8	8	NUM
framr-2919	33	19	3	3	NUM
framr-2919	33	20	electricity	electricity	NOUN
framr-2919	33	21	consumption	consumption	NOUN
framr-2919	33	22	/	/	SYM
framr-2919	33	23	kwh	kwh	NUM
framr-2919	33	24	year	year	NOUN
framr-2919	33	25	210.24	210.24	NUM
framr-2919	33	26	46.72	46.72	NUM
framr-2919	33	27	4	4	NUM
framr-2919	33	28	electricity	electricity	NOUN
framr-2919	33	29	bill	bill	NOUN
framr-2919	33	30	/	/	SYM
framr-2919	33	31	kwh	kwh	NOUN
framr-2919	33	32	1.125	1.125	NUM
framr-2919	33	33	1.125	1.125	NUM
framr-2919	33	34	5	5	NUM
framr-2919	33	35	electricity	electricity	NOUN
framr-2919	33	36	cost	cost	NOUN
framr-2919	33	37	in	in	ADP
framr-2919	33	38	idr	idr	PROPN
framr-2919	33	39	236.520	236.520	NUM
framr-2919	33	40	52.560	52.560	NUM
framr-2919	33	41	6	6	NUM
framr-2919	33	42	life	life	NOUN
framr-2919	33	43	cycle	cycle	NOUN
framr-2919	33	44	in	in	ADP
framr-2919	33	45	hours	hour	NOUN
framr-2919	33	46	10.000	10.000	NUM
framr-2919	33	47	15.000	15.000	NUM
framr-2919	33	48	7	7	NUM
framr-2919	33	49	life	life	NOUN
framr-2919	33	50	cycle	cycle	NOUN
framr-2919	33	51	in	in	ADP
framr-2919	33	52	years	year	NOUN
framr-2919	33	53	3	3	NUM
framr-2919	33	54	5	5	NUM
framr-2919	33	55	8	8	NUM
framr-2919	33	56	lamp	lamp	NOUN
framr-2919	33	57	price	price	NOUN
framr-2919	33	58	12.450	12.450	NUM
framr-2919	33	59	81.000	81.000	NUM
framr-2919	33	60	9	9	NUM
framr-2919	33	61	differences	difference	NOUN
framr-2919	33	62	in	in	ADP
framr-2919	33	63	life	life	NOUN
framr-2919	33	64	cycle	cycle	NOUN
framr-2919	33	65	tld	tld	NOUN
framr-2919	33	66	vs.	vs.	CCONJ
framr-2919	33	67	led	lead	VERB
framr-2919	33	68	6.225	6.225	NUM
framr-2919	33	69	10	10	NUM
framr-2919	33	70	energy	energy	NOUN
framr-2919	33	71	cost	cost	NOUN
framr-2919	33	72	/	/	SYM
framr-2919	33	73	year	year	NOUN
framr-2919	33	74	242.745	242.745	NUM
framr-2919	33	75	52.560	52.560	NUM
framr-2919	33	76	11	11	NUM
framr-2919	33	77	difference	difference	NOUN
framr-2919	33	78	energy	energy	NOUN
framr-2919	33	79	saving	save	VERB
framr-2919	33	80	tld	tld	NOUN
framr-2919	33	81	vs.	vs.	ADP
framr-2919	33	82	led	lead	VERB
framr-2919	33	83	190.185	190.185	NUM
framr-2919	33	84	12	12	NUM
framr-2919	33	85	energy	energy	NOUN
framr-2919	33	86	saving	saving	NOUN
framr-2919	33	87	in	in	ADP
framr-2919	33	88	%	%	NOUN
framr-2919	33	89	78.35	78.35	NUM
framr-2919	33	90	%	%	NOUN
framr-2919	33	91	two	two	NUM
framr-2919	33	92	independent	independent	ADJ
framr-2919	33	93	finance	finance	NOUN
framr-2919	33	94	agreements	agreement	NOUN
framr-2919	33	95	were	be	AUX
framr-2919	33	96	used	use	VERB
framr-2919	33	97	for	for	ADP
framr-2919	33	98	retrofitting	retrofit	VERB
framr-2919	33	99	:	:	PUNCT
framr-2919	33	100	the	the	DET
framr-2919	33	101	energy	energy	NOUN
framr-2919	33	102	saving	saving	NOUN
framr-2919	33	103	performance	performance	NOUN
framr-2919	33	104	contract	contract	NOUN
framr-2919	33	105	(	(	PUNCT
framr-2919	33	106	espc	espc	PROPN
framr-2919	33	107	)	)	PUNCT
framr-2919	33	108	and	and	CCONJ
framr-2919	33	109	the	the	DET
framr-2919	33	110	energy	energy	NOUN
framr-2919	33	111	saving	saving	NOUN
framr-2919	33	112	agreement	agreement	NOUN
framr-2919	33	113	(	(	PUNCT
framr-2919	33	114	esa	esa	PROPN
framr-2919	33	115	)	)	PUNCT
framr-2919	33	116	.	.	PUNCT
framr-2919	34	1	the	the	DET
framr-2919	34	2	key	key	ADJ
framr-2919	34	3	idea	idea	NOUN
framr-2919	34	4	was	be	AUX
framr-2919	34	5	that	that	SCONJ
framr-2919	34	6	the	the	DET
framr-2919	34	7	espc	espc	PROPN
framr-2919	34	8	and	and	CCONJ
framr-2919	34	9	esa	esa	PROPN
framr-2919	34	10	stipulated	stipulate	VERB
framr-2919	34	11	that	that	SCONJ
framr-2919	34	12	the	the	DET
framr-2919	34	13	client	client	NOUN
framr-2919	34	14	pays	pay	VERB
framr-2919	34	15	the	the	DET
framr-2919	34	16	esco	esco	PROPN
framr-2919	34	17	from	from	ADP
framr-2919	34	18	the	the	DET
framr-2919	34	19	savings	saving	NOUN
framr-2919	34	20	in	in	ADP
framr-2919	34	21	energy	energy	NOUN
framr-2919	34	22	costs	cost	NOUN
framr-2919	34	23	.	.	PUNCT
framr-2919	35	1	the	the	DET
framr-2919	35	2	flow	flow	NOUN
framr-2919	35	3	of	of	ADP
framr-2919	35	4	duty	duty	NOUN
framr-2919	35	5	,	,	PUNCT
framr-2919	35	6	privileges	privilege	NOUN
framr-2919	35	7	,	,	PUNCT
framr-2919	35	8	and	and	CCONJ
framr-2919	35	9	the	the	DET
framr-2919	35	10	entity	entity	NOUN
framr-2919	35	11	participating	participate	VERB
framr-2919	35	12	in	in	ADP
framr-2919	35	13	the	the	DET
framr-2919	35	14	retrofitting	retrofit	VERB
framr-2919	35	15	finance	finance	NOUN
framr-2919	35	16	plan	plan	NOUN
framr-2919	35	17	is	be	AUX
framr-2919	35	18	shown	show	VERB
framr-2919	35	19	in	in	ADP
framr-2919	35	20	figure	figure	NOUN
framr-2919	35	21	1	1	NUM
framr-2919	35	22	.	.	PUNCT
framr-2919	36	1	one	one	NUM
framr-2919	36	2	of	of	ADP
framr-2919	36	3	the	the	DET
framr-2919	36	4	reasons	reason	NOUN
framr-2919	36	5	the	the	DET
framr-2919	36	6	authors	author	NOUN
framr-2919	36	7	investigated	investigate	VERB
framr-2919	36	8	energy	energy	NOUN
framr-2919	36	9	efficiency	efficiency	NOUN
framr-2919	36	10	was	be	AUX
framr-2919	36	11	technical	technical	ADJ
framr-2919	36	12	improvements	improvement	NOUN
framr-2919	36	13	.	.	PUNCT
framr-2919	37	1	in	in	ADP
framr-2919	37	2	many	many	ADJ
framr-2919	37	3	regions	region	NOUN
framr-2919	37	4	,	,	PUNCT
framr-2919	37	5	the	the	DET
framr-2919	37	6	employment	employment	NOUN
framr-2919	37	7	of	of	ADP
framr-2919	37	8	cutting	cut	VERB
framr-2919	37	9	-	-	PUNCT
framr-2919	37	10	edge	edge	NOUN
framr-2919	37	11	technology	technology	NOUN
framr-2919	37	12	has	have	AUX
framr-2919	37	13	created	create	VERB
framr-2919	37	14	hurdles	hurdle	NOUN
framr-2919	37	15	to	to	ADP
framr-2919	37	16	embracing	embrace	VERB
framr-2919	37	17	energy	energy	NOUN
framr-2919	37	18	-	-	PUNCT
framr-2919	37	19	saving	save	VERB
framr-2919	37	20	energy	energy	NOUN
framr-2919	37	21	technologies	technology	NOUN
framr-2919	37	22	,	,	PUNCT
framr-2919	37	23	resulting	result	VERB
framr-2919	37	24	in	in	ADP
framr-2919	37	25	inefficiencies	inefficiency	NOUN
framr-2919	37	26	in	in	ADP
framr-2919	37	27	energy	energy	NOUN
framr-2919	37	28	usage	usage	NOUN
framr-2919	37	29	.	.	PUNCT
framr-2919	38	1	researchers	researcher	NOUN
framr-2919	38	2	speculated	speculate	VERB
framr-2919	38	3	that	that	SCONJ
framr-2919	38	4	sophisticated	sophisticated	ADJ
framr-2919	38	5	technology	technology	NOUN
framr-2919	38	6	users	user	NOUN
framr-2919	38	7	could	could	AUX
framr-2919	38	8	struggle	struggle	VERB
framr-2919	38	9	to	to	PART
framr-2919	38	10	manage	manage	VERB
framr-2919	38	11	it	it	PRON
framr-2919	38	12	fornara	fornara	NOUN
framr-2919	38	13	,	,	PUNCT
framr-2919	38	14	pattitoni	pattitoni	NOUN
framr-2919	38	15	,	,	PUNCT
framr-2919	38	16	mura	mura	NOUN
framr-2919	38	17	,	,	PUNCT
framr-2919	38	18	and	and	CCONJ
framr-2919	38	19	strazzera	strazzera	NOUN
framr-2919	38	20	(	(	PUNCT
framr-2919	38	21	2016	2016	NUM
framr-2919	38	22	)	)	PUNCT
framr-2919	38	23	;	;	PUNCT
framr-2919	39	1	heesen	heesen	NOUN
framr-2919	39	2	and	and	CCONJ
framr-2919	39	3	madlener	madlener	NOUN
framr-2919	39	4	(	(	PUNCT
framr-2919	39	5	2016	2016	NUM
framr-2919	39	6	)	)	PUNCT
framr-2919	39	7	;	;	PUNCT
framr-2919	39	8	stern	stern	ADJ
framr-2919	39	9	(	(	PUNCT
framr-2919	39	10	2011	2011	NUM
framr-2919	39	11	)	)	PUNCT
framr-2919	39	12	.	.	PUNCT
framr-2919	40	1	all	all	PRON
framr-2919	40	2	of	of	ADP
framr-2919	40	3	these	these	DET
framr-2919	40	4	variables	variable	NOUN
framr-2919	40	5	were	be	AUX
framr-2919	40	6	converted	convert	VERB
framr-2919	40	7	into	into	ADP
framr-2919	40	8	transaction	transaction	NOUN
framr-2919	40	9	costs	cost	NOUN
framr-2919	40	10	.	.	PUNCT
framr-2919	41	1	as	as	ADP
framr-2919	41	2	a	a	DET
framr-2919	41	3	result	result	NOUN
framr-2919	41	4	,	,	PUNCT
framr-2919	41	5	the	the	DET
framr-2919	41	6	authors	author	NOUN
framr-2919	41	7	understood	understand	VERB
framr-2919	41	8	how	how	SCONJ
framr-2919	41	9	energy	energy	NOUN
framr-2919	41	10	conservation	conservation	NOUN
framr-2919	41	11	works	work	VERB
framr-2919	41	12	and	and	CCONJ
framr-2919	41	13	the	the	DET
framr-2919	41	14	repercussions	repercussion	NOUN
framr-2919	41	15	and	and	CCONJ
framr-2919	41	16	how	how	SCONJ
framr-2919	41	17	its	its	PRON
framr-2919	41	18	creative	creative	ADJ
framr-2919	41	19	business	business	NOUN
framr-2919	41	20	model	model	NOUN
framr-2919	41	21	,	,	PUNCT
framr-2919	41	22	investment	investment	NOUN
framr-2919	41	23	value	value	NOUN
framr-2919	41	24	,	,	PUNCT
framr-2919	41	25	and	and	CCONJ
framr-2919	41	26	new	new	ADJ
framr-2919	41	27	innovative	innovative	ADJ
framr-2919	41	28	financing	financing	NOUN
framr-2919	41	29	choices	choice	NOUN
framr-2919	41	30	would	would	AUX
framr-2919	41	31	benefit	benefit	VERB
framr-2919	41	32	everyone	everyone	PRON
framr-2919	41	33	.	.	PUNCT
framr-2919	42	1	our	our	PRON
framr-2919	42	2	research	research	NOUN
framr-2919	42	3	intends	intend	VERB
framr-2919	42	4	to	to	PART
framr-2919	42	5	develop	develop	VERB
framr-2919	42	6	a	a	DET
framr-2919	42	7	credit	credit	NOUN
framr-2919	42	8	risk	risk	NOUN
framr-2919	42	9	modeling	model	VERB
framr-2919	42	10	methodology	methodology	NOUN
framr-2919	42	11	to	to	PART
framr-2919	42	12	lower	lower	VERB
framr-2919	42	13	the	the	DET
framr-2919	42	14	risk	risk	NOUN
framr-2919	42	15	of	of	ADP
framr-2919	42	16	credit	credit	NOUN
framr-2919	42	17	granted	grant	VERB
framr-2919	42	18	to	to	ADP
framr-2919	42	19	retrofitting	retrofit	VERB
framr-2919	42	20	projects	project	NOUN
framr-2919	42	21	while	while	SCONJ
framr-2919	42	22	increasing	increase	VERB
framr-2919	42	23	esco	esco	PROPN
framr-2919	42	24	benefits	benefit	NOUN
framr-2919	42	25	.	.	PUNCT
framr-2919	43	1	figure	figure	VERB
framr-2919	43	2	1	1	NUM
framr-2919	43	3	.	.	PUNCT
framr-2919	43	4	energy	energy	NOUN
framr-2919	43	5	efficiency	efficiency	NOUN
framr-2919	43	6	financing	financing	NOUN
framr-2919	43	7	(	(	PUNCT
framr-2919	43	8	wsgr	wsgr	NOUN
framr-2919	43	9	,	,	PUNCT
framr-2919	43	10	2015	2015	NUM
framr-2919	43	11	)	)	PUNCT
framr-2919	43	12	.	.	PUNCT
framr-2919	44	1	financial	financial	ADJ
framr-2919	44	2	risk	risk	NOUN
framr-2919	44	3	and	and	CCONJ
framr-2919	44	4	management	management	NOUN
framr-2919	44	5	reviews	review	NOUN
framr-2919	44	6	,	,	PUNCT
framr-2919	44	7	2022	2022	NUM
framr-2919	44	8	,	,	PUNCT
framr-2919	44	9	8(1	8(1	NOUN
framr-2919	44	10	):	):	PUNCT
framr-2919	44	11	1	1	NUM
framr-2919	44	12	-	-	SYM
framr-2919	44	13	11	11	NUM
framr-2919	44	14	3	3	NUM
framr-2919	44	15	©	©	PROPN
framr-2919	44	16	2022	2022	NUM
framr-2919	44	17	conscientia	conscientia	PROPN
framr-2919	44	18	beam	beam	PROPN
framr-2919	44	19	.	.	PUNCT
framr-2919	45	1	all	all	DET
framr-2919	45	2	rights	right	NOUN
framr-2919	45	3	reserved	reserve	VERB
framr-2919	45	4	.	.	PUNCT
framr-2919	46	1	consequently	consequently	ADV
framr-2919	46	2	,	,	PUNCT
framr-2919	46	3	the	the	DET
framr-2919	46	4	goal	goal	NOUN
framr-2919	46	5	of	of	ADP
framr-2919	46	6	this	this	DET
framr-2919	46	7	research	research	NOUN
framr-2919	46	8	was	be	AUX
framr-2919	46	9	to	to	PART
framr-2919	46	10	determine	determine	VERB
framr-2919	46	11	the	the	DET
framr-2919	46	12	optimum	optimum	ADJ
framr-2919	46	13	modeling	modeling	NOUN
framr-2919	46	14	with	with	ADP
framr-2919	46	15	the	the	DET
framr-2919	46	16	highest	high	ADJ
framr-2919	46	17	performance	performance	NOUN
framr-2919	46	18	and	and	CCONJ
framr-2919	46	19	accuracy	accuracy	NOUN
framr-2919	46	20	.	.	PUNCT
framr-2919	47	1	the	the	DET
framr-2919	47	2	research	research	NOUN
framr-2919	47	3	employed	employ	VERB
framr-2919	47	4	the	the	DET
framr-2919	47	5	same	same	ADJ
framr-2919	47	6	methodologies	methodology	NOUN
framr-2919	47	7	and	and	CCONJ
framr-2919	47	8	principles	principle	NOUN
framr-2919	47	9	as	as	ADP
framr-2919	47	10	epa	epa	NOUN
framr-2919	47	11	-	-	PUNCT
framr-2919	47	12	energy	energy	NOUN
framr-2919	47	13	start	start	NOUN
framr-2919	47	14	(	(	PUNCT
framr-2919	47	15	the	the	DET
framr-2919	47	16	united	united	PROPN
framr-2919	47	17	states	states	PROPN
framr-2919	47	18	environmental	environmental	ADJ
framr-2919	47	19	protection	protection	NOUN
framr-2919	47	20	,	,	PUNCT
framr-2919	47	21	2008	2008	NUM
framr-2919	47	22	)	)	PUNCT
framr-2919	47	23	to	to	PART
framr-2919	47	24	assess	assess	VERB
framr-2919	47	25	the	the	DET
framr-2919	47	26	project	project	NOUN
framr-2919	47	27	's	's	PART
framr-2919	47	28	feasibility	feasibility	NOUN
framr-2919	47	29	.	.	PUNCT
framr-2919	48	1	the	the	DET
framr-2919	48	2	most	most	ADV
framr-2919	48	3	important	important	ADJ
framr-2919	48	4	aspects	aspect	NOUN
framr-2919	48	5	to	to	PART
framr-2919	48	6	examine	examine	VERB
framr-2919	48	7	were	be	AUX
framr-2919	48	8	the	the	DET
framr-2919	48	9	initial	initial	ADJ
framr-2919	48	10	upfront	upfront	ADJ
framr-2919	48	11	investment	investment	NOUN
framr-2919	48	12	,	,	PUNCT
framr-2919	48	13	revenue	revenue	NOUN
framr-2919	48	14	factors	factor	NOUN
framr-2919	48	15	,	,	PUNCT
framr-2919	48	16	extra	extra	ADJ
framr-2919	48	17	revenue	revenue	NOUN
framr-2919	48	18	factors	factor	NOUN
framr-2919	48	19	,	,	PUNCT
framr-2919	48	20	payback	payback	NOUN
framr-2919	48	21	duration	duration	NOUN
framr-2919	48	22	,	,	PUNCT
framr-2919	48	23	investment	investment	NOUN
framr-2919	48	24	returns	return	NOUN
framr-2919	48	25	,	,	PUNCT
framr-2919	48	26	and	and	CCONJ
framr-2919	48	27	client	client	NOUN
framr-2919	48	28	attributes	attribute	VERB
framr-2919	48	29	.	.	PUNCT
framr-2919	49	1	as	as	ADP
framr-2919	49	2	a	a	DET
framr-2919	49	3	result	result	NOUN
framr-2919	49	4	,	,	PUNCT
framr-2919	49	5	the	the	DET
framr-2919	49	6	firm	firm	NOUN
framr-2919	49	7	's	's	PART
framr-2919	49	8	financial	financial	ADJ
framr-2919	49	9	state	state	NOUN
framr-2919	49	10	was	be	AUX
framr-2919	49	11	assessed	assess	VERB
framr-2919	49	12	first	first	ADV
framr-2919	49	13	,	,	PUNCT
framr-2919	49	14	followed	follow	VERB
framr-2919	49	15	by	by	ADP
framr-2919	49	16	the	the	DET
framr-2919	49	17	return	return	NOUN
framr-2919	49	18	rate	rate	NOUN
framr-2919	49	19	(	(	PUNCT
framr-2919	49	20	payback	payback	NOUN
framr-2919	49	21	)	)	PUNCT
framr-2919	49	22	.	.	PUNCT
framr-2919	50	1	the	the	DET
framr-2919	50	2	hurdle	hurdle	NOUN
framr-2919	50	3	rate	rate	NOUN
framr-2919	50	4	was	be	AUX
framr-2919	50	5	the	the	DET
framr-2919	50	6	agreed	agree	VERB
framr-2919	50	7	-	-	PUNCT
framr-2919	50	8	upon	upon	ADP
framr-2919	50	9	criterion	criterion	NOUN
framr-2919	50	10	for	for	ADP
framr-2919	50	11	passing	pass	VERB
framr-2919	50	12	the	the	DET
framr-2919	50	13	investment	investment	NOUN
framr-2919	50	14	profitability	profitability	NOUN
framr-2919	50	15	test	test	NOUN
framr-2919	50	16	.	.	PUNCT
framr-2919	51	1	if	if	SCONJ
framr-2919	51	2	the	the	DET
framr-2919	51	3	irr	irr	NOUN
framr-2919	51	4	meets	meet	VERB
framr-2919	51	5	or	or	CCONJ
framr-2919	51	6	exceeds	exceed	VERB
framr-2919	51	7	predicted	predict	VERB
framr-2919	51	8	profits	profit	NOUN
framr-2919	51	9	,	,	PUNCT
framr-2919	51	10	the	the	DET
framr-2919	51	11	investment	investment	NOUN
framr-2919	51	12	is	be	AUX
framr-2919	51	13	profitable	profitable	ADJ
framr-2919	51	14	.	.	PUNCT
framr-2919	52	1	a	a	DET
framr-2919	52	2	stream	stream	NOUN
framr-2919	52	3	of	of	ADP
framr-2919	52	4	future	future	ADJ
framr-2919	52	5	cash	cash	NOUN
framr-2919	52	6	flows	flow	NOUN
framr-2919	52	7	discounted	discount	VERB
framr-2919	52	8	with	with	ADP
framr-2919	52	9	the	the	DET
framr-2919	52	10	project	project	NOUN
framr-2919	52	11	's	's	PART
framr-2919	52	12	risk	risk	NOUN
framr-2919	52	13	provided	provide	VERB
framr-2919	52	14	the	the	DET
framr-2919	52	15	correct	correct	ADJ
framr-2919	52	16	rate	rate	NOUN
framr-2919	52	17	of	of	ADP
framr-2919	52	18	return	return	NOUN
framr-2919	52	19	.	.	PUNCT
framr-2919	53	1	as	as	SCONJ
framr-2919	53	2	the	the	DET
framr-2919	53	3	cost	cost	NOUN
framr-2919	53	4	of	of	ADP
framr-2919	53	5	capital	capital	NOUN
framr-2919	53	6	and	and	CCONJ
framr-2919	53	7	risk	risk	NOUN
framr-2919	53	8	grows	grow	VERB
framr-2919	53	9	,	,	PUNCT
framr-2919	53	10	the	the	DET
framr-2919	53	11	amount	amount	NOUN
framr-2919	53	12	of	of	ADP
framr-2919	53	13	profit	profit	NOUN
framr-2919	53	14	required	require	VERB
framr-2919	53	15	would	would	AUX
framr-2919	53	16	need	need	VERB
framr-2919	53	17	more	more	ADJ
framr-2919	53	18	investment	investment	NOUN
framr-2919	53	19	.	.	PUNCT
framr-2919	54	1	last	last	ADJ
framr-2919	54	2	but	but	CCONJ
framr-2919	54	3	not	not	PART
framr-2919	54	4	least	least	ADJ
framr-2919	54	5	,	,	PUNCT
framr-2919	54	6	the	the	DET
framr-2919	54	7	investor	investor	NOUN
framr-2919	54	8	qualities	quality	NOUN
framr-2919	54	9	must	must	AUX
framr-2919	54	10	be	be	AUX
framr-2919	54	11	taken	take	VERB
framr-2919	54	12	into	into	ADP
framr-2919	54	13	account	account	NOUN
framr-2919	54	14	.	.	PUNCT
framr-2919	55	1	the	the	DET
framr-2919	55	2	approach	approach	NOUN
framr-2919	55	3	was	be	AUX
framr-2919	55	4	almost	almost	ADV
framr-2919	55	5	identical	identical	ADJ
framr-2919	55	6	to	to	ADP
framr-2919	55	7	banks	bank	NOUN
framr-2919	55	8	'	'	PART
framr-2919	55	9	determining	determine	VERB
framr-2919	55	10	a	a	DET
framr-2919	55	11	customer	customer	NOUN
framr-2919	55	12	's	's	PART
framr-2919	55	13	creditworthiness	creditworthiness	NOUN
framr-2919	55	14	.	.	PUNCT
framr-2919	56	1	in	in	ADP
framr-2919	56	2	addition	addition	NOUN
framr-2919	56	3	to	to	ADP
framr-2919	56	4	the	the	DET
framr-2919	56	5	cost	cost	NOUN
framr-2919	56	6	of	of	ADP
framr-2919	56	7	credit	credit	NOUN
framr-2919	56	8	default	default	NOUN
framr-2919	56	9	risk	risk	NOUN
framr-2919	56	10	,	,	PUNCT
framr-2919	56	11	the	the	DET
framr-2919	56	12	cost	cost	NOUN
framr-2919	56	13	of	of	ADP
framr-2919	56	14	retrofitting	retrofit	VERB
framr-2919	56	15	aspects	aspect	NOUN
framr-2919	56	16	is	be	AUX
framr-2919	56	17	an	an	DET
framr-2919	56	18	essential	essential	ADJ
framr-2919	56	19	factor	factor	NOUN
framr-2919	56	20	.	.	PUNCT
framr-2919	57	1	the	the	DET
framr-2919	57	2	retrofitting	retrofitting	NOUN
framr-2919	57	3	process	process	NOUN
framr-2919	57	4	is	be	AUX
framr-2919	57	5	the	the	DET
framr-2919	57	6	same	same	ADJ
framr-2919	57	7	as	as	ADP
framr-2919	57	8	every	every	DET
framr-2919	57	9	other	other	ADJ
framr-2919	57	10	loan	loan	NOUN
framr-2919	57	11	process	process	NOUN
framr-2919	57	12	.	.	PUNCT
framr-2919	58	1	financial	financial	ADJ
framr-2919	58	2	selection	selection	NOUN
framr-2919	58	3	criteria	criterion	NOUN
framr-2919	58	4	were	be	AUX
framr-2919	58	5	generally	generally	ADV
framr-2919	58	6	measured	measure	VERB
framr-2919	58	7	through	through	ADP
framr-2919	58	8	credit	credit	NOUN
framr-2919	58	9	reports	report	NOUN
framr-2919	58	10	.	.	PUNCT
framr-2919	59	1	some	some	PRON
framr-2919	59	2	of	of	ADP
framr-2919	59	3	the	the	DET
framr-2919	59	4	problems	problem	NOUN
framr-2919	59	5	that	that	PRON
framr-2919	59	6	can	can	AUX
framr-2919	59	7	be	be	AUX
framr-2919	59	8	identified	identify	VERB
framr-2919	59	9	were	be	AUX
framr-2919	59	10	1	1	NUM
framr-2919	59	11	)	)	PUNCT
framr-2919	59	12	what	what	PRON
framr-2919	59	13	the	the	DET
framr-2919	59	14	ml	ml	NOUN
framr-2919	59	15	model	model	NOUN
framr-2919	59	16	can	can	AUX
framr-2919	59	17	use	use	VERB
framr-2919	59	18	variable	variable	ADJ
framr-2919	59	19	determinants	determinant	NOUN
framr-2919	59	20	to	to	PART
framr-2919	59	21	predict	predict	VERB
framr-2919	59	22	the	the	DET
framr-2919	59	23	occurrence	occurrence	NOUN
framr-2919	59	24	of	of	ADP
framr-2919	59	25	retrofitting	retrofit	VERB
framr-2919	59	26	credit	credit	NOUN
framr-2919	59	27	risk	risk	NOUN
framr-2919	59	28	?	?	PUNCT
framr-2919	59	29	,	,	PUNCT
framr-2919	59	30	and	and	CCONJ
framr-2919	59	31	2	2	X
framr-2919	59	32	)	)	PUNCT
framr-2919	59	33	what	what	PRON
framr-2919	59	34	is	be	AUX
framr-2919	59	35	the	the	DET
framr-2919	59	36	right	right	ADJ
framr-2919	59	37	strategy	strategy	NOUN
framr-2919	59	38	to	to	PART
framr-2919	59	39	mitigate	mitigate	VERB
framr-2919	59	40	credit	credit	NOUN
framr-2919	59	41	risk	risk	NOUN
framr-2919	59	42	in	in	ADP
framr-2919	59	43	the	the	DET
framr-2919	59	44	retrofitting	retrofitting	NOUN
framr-2919	59	45	service	service	NOUN
framr-2919	59	46	process	process	NOUN
framr-2919	59	47	at	at	ADP
framr-2919	59	48	esco	esco	PROPN
framr-2919	59	49	?	?	PUNCT
framr-2919	59	50	.	.	PUNCT
framr-2919	60	1	the	the	DET
framr-2919	60	2	paper	paper	NOUN
framr-2919	60	3	seeks	seek	VERB
framr-2919	60	4	to	to	PART
framr-2919	60	5	demonstrate	demonstrate	VERB
framr-2919	60	6	how	how	SCONJ
framr-2919	60	7	ml	ml	AUX
framr-2919	60	8	can	can	AUX
framr-2919	60	9	help	help	VERB
framr-2919	60	10	esco	esco	PROPN
framr-2919	60	11	cope	cope	VERB
framr-2919	60	12	with	with	ADP
framr-2919	60	13	energy	energy	NOUN
framr-2919	60	14	efficiency	efficiency	NOUN
framr-2919	60	15	projects	project	NOUN
framr-2919	60	16	with	with	ADP
framr-2919	60	17	real	real	ADJ
framr-2919	60	18	case	case	NOUN
framr-2919	60	19	studies	study	NOUN
framr-2919	60	20	.	.	PUNCT
framr-2919	61	1	the	the	DET
framr-2919	61	2	paper	paper	NOUN
framr-2919	61	3	investigates	investigate	VERB
framr-2919	61	4	case	case	NOUN
framr-2919	61	5	studies	study	NOUN
framr-2919	61	6	conducted	conduct	VERB
framr-2919	61	7	between	between	ADP
framr-2919	61	8	june	june	PROPN
framr-2919	61	9	2020	2020	NUM
framr-2919	61	10	and	and	CCONJ
framr-2919	61	11	january	january	PROPN
framr-2919	61	12	2021	2021	NUM
framr-2919	61	13	.	.	PUNCT
framr-2919	62	1	as	as	ADP
framr-2919	62	2	a	a	DET
framr-2919	62	3	result	result	NOUN
framr-2919	62	4	,	,	PUNCT
framr-2919	62	5	interview	interview	NOUN
framr-2919	62	6	procedures	procedure	NOUN
framr-2919	62	7	were	be	AUX
framr-2919	62	8	updated	update	VERB
framr-2919	62	9	to	to	PART
framr-2919	62	10	obtain	obtain	VERB
framr-2919	62	11	information	information	NOUN
framr-2919	62	12	directly	directly	ADV
framr-2919	62	13	from	from	ADP
framr-2919	62	14	company	company	NOUN
framr-2919	62	15	directors	director	NOUN
framr-2919	62	16	,	,	PUNCT
framr-2919	62	17	chief	chief	ADJ
framr-2919	62	18	executives	executive	NOUN
framr-2919	62	19	,	,	PUNCT
framr-2919	62	20	and	and	CCONJ
framr-2919	62	21	general	general	ADJ
framr-2919	62	22	managers	manager	NOUN
framr-2919	62	23	.	.	PUNCT
framr-2919	63	1	in	in	ADP
framr-2919	63	2	this	this	DET
framr-2919	63	3	paper	paper	NOUN
framr-2919	63	4	,	,	PUNCT
framr-2919	63	5	the	the	DET
framr-2919	63	6	authors	author	NOUN
framr-2919	63	7	use	use	VERB
framr-2919	63	8	a	a	DET
framr-2919	63	9	case	case	NOUN
framr-2919	63	10	study	study	NOUN
framr-2919	63	11	,	,	PUNCT
framr-2919	63	12	where	where	SCONJ
framr-2919	63	13	the	the	DET
framr-2919	63	14	esco	esco	PROPN
framr-2919	63	15	provider	provider	NOUN
framr-2919	63	16	was	be	AUX
framr-2919	63	17	mws	mws	NOUN
framr-2919	63	18	,	,	PUNCT
framr-2919	63	19	and	and	CCONJ
framr-2919	63	20	the	the	DET
framr-2919	63	21	customer	customer	NOUN
framr-2919	63	22	was	be	AUX
framr-2919	63	23	shj	shj	NOUN
framr-2919	63	24	'	'	PUNCT
framr-2919	63	25	the	the	DET
framr-2919	63	26	authors	author	NOUN
framr-2919	63	27	refer	refer	VERB
framr-2919	63	28	to	to	ADP
framr-2919	63	29	pseudonyms	pseudonym	NOUN
framr-2919	63	30	for	for	ADP
framr-2919	63	31	the	the	DET
framr-2919	63	32	research	research	NOUN
framr-2919	63	33	.	.	PUNCT
framr-2919	64	1	until	until	ADP
framr-2919	64	2	recently	recently	ADV
framr-2919	64	3	,	,	PUNCT
framr-2919	64	4	mws	mws	PROPN
framr-2919	64	5	decided	decide	VERB
framr-2919	64	6	that	that	SCONJ
framr-2919	64	7	credit	credit	NOUN
framr-2919	64	8	for	for	ADP
framr-2919	64	9	retrofitting	retrofitting	NOUN
framr-2919	64	10	projects	project	NOUN
framr-2919	64	11	was	be	AUX
framr-2919	64	12	traditionally	traditionally	ADV
framr-2919	64	13	done	do	VERB
framr-2919	64	14	,	,	PUNCT
framr-2919	64	15	i.e.	i.e.	ADV
framr-2919	64	16	,	,	PUNCT
framr-2919	64	17	ensuring	ensure	VERB
framr-2919	64	18	that	that	SCONJ
framr-2919	64	19	customers	customer	NOUN
framr-2919	64	20	met	meet	VERB
framr-2919	64	21	the	the	DET
framr-2919	64	22	criteria	criterion	NOUN
framr-2919	64	23	and	and	CCONJ
framr-2919	64	24	covered	cover	VERB
framr-2919	64	25	all	all	DET
framr-2919	64	26	risks	risk	NOUN
framr-2919	64	27	.	.	PUNCT
framr-2919	65	1	ultimately	ultimately	ADV
framr-2919	65	2	,	,	PUNCT
framr-2919	65	3	esco	esco	PROPN
framr-2919	65	4	management	management	PROPN
framr-2919	65	5	decided	decide	VERB
framr-2919	65	6	on	on	ADP
framr-2919	65	7	a	a	DET
framr-2919	65	8	retrofitting	retrofit	VERB
framr-2919	65	9	project	project	NOUN
framr-2919	65	10	based	base	VERB
framr-2919	65	11	on	on	ADP
framr-2919	65	12	this	this	DET
framr-2919	65	13	individual	individual	ADJ
framr-2919	65	14	analysis	analysis	NOUN
framr-2919	65	15	,	,	PUNCT
framr-2919	65	16	where	where	SCONJ
framr-2919	65	17	the	the	DET
framr-2919	65	18	final	final	ADJ
framr-2919	65	19	decision	decision	NOUN
framr-2919	65	20	was	be	AUX
framr-2919	65	21	made	make	VERB
framr-2919	65	22	by	by	ADP
framr-2919	65	23	acclamation	acclamation	NOUN
framr-2919	65	24	based	base	VERB
framr-2919	65	25	on	on	ADP
framr-2919	65	26	this	this	DET
framr-2919	65	27	analysis	analysis	NOUN
framr-2919	65	28	.	.	PUNCT
framr-2919	66	1	here	here	ADV
framr-2919	66	2	we	we	PRON
framr-2919	66	3	designed	design	VERB
framr-2919	66	4	a	a	DET
framr-2919	66	5	retrofitting	retrofit	VERB
framr-2919	66	6	risk	risk	NOUN
framr-2919	66	7	modelling	model	VERB
framr-2919	66	8	system	system	NOUN
framr-2919	66	9	for	for	ADP
framr-2919	66	10	esco	esco	PROPN
framr-2919	66	11	using	use	VERB
framr-2919	66	12	the	the	DET
framr-2919	66	13	ann	ann	PROPN
framr-2919	66	14	and	and	CCONJ
framr-2919	66	15	lr	lr	PROPN
framr-2919	66	16	model	model	NOUN
framr-2919	66	17	of	of	ADP
framr-2919	66	18	ml	ml	PROPN
framr-2919	66	19	.	.	PUNCT
framr-2919	67	1	as	as	ADP
framr-2919	67	2	a	a	DET
framr-2919	67	3	result	result	NOUN
framr-2919	67	4	,	,	PUNCT
framr-2919	67	5	a	a	DET
framr-2919	67	6	sound	sound	ADJ
framr-2919	67	7	credit	credit	NOUN
framr-2919	67	8	risk	risk	NOUN
framr-2919	67	9	modeling	modeling	NOUN
framr-2919	67	10	system	system	NOUN
framr-2919	67	11	could	could	AUX
framr-2919	67	12	assist	assist	VERB
framr-2919	67	13	mws	mws	NOUN
framr-2919	67	14	in	in	ADP
framr-2919	67	15	predicting	predict	VERB
framr-2919	67	16	credit	credit	NOUN
framr-2919	67	17	risk	risk	NOUN
framr-2919	67	18	.	.	PUNCT
framr-2919	68	1	predictive	predictive	ADJ
framr-2919	68	2	analytics	analytic	NOUN
framr-2919	68	3	aims	aim	VERB
framr-2919	68	4	to	to	PART
framr-2919	68	5	build	build	VERB
framr-2919	68	6	analytic	analytic	ADJ
framr-2919	68	7	models	model	NOUN
framr-2919	68	8	that	that	PRON
framr-2919	68	9	predict	predict	VERB
framr-2919	68	10	the	the	DET
framr-2919	68	11	target	target	NOUN
framr-2919	68	12	size	size	NOUN
framr-2919	68	13	of	of	ADP
framr-2919	68	14	interest	interest	NOUN
framr-2919	68	15	.	.	PUNCT
framr-2919	69	1	the	the	DET
framr-2919	69	2	target	target	NOUN
framr-2919	69	3	was	be	AUX
framr-2919	69	4	used	use	VERB
framr-2919	69	5	to	to	PART
framr-2919	69	6	direct	direct	VERB
framr-2919	69	7	the	the	DET
framr-2919	69	8	learning	learning	NOUN
framr-2919	69	9	process	process	NOUN
framr-2919	69	10	during	during	ADP
framr-2919	69	11	the	the	DET
framr-2919	69	12	optimization	optimization	NOUN
framr-2919	69	13	process	process	NOUN
framr-2919	69	14	.	.	PUNCT
framr-2919	70	1	there	there	PRON
framr-2919	70	2	are	be	VERB
framr-2919	70	3	two	two	NUM
framr-2919	70	4	types	type	NOUN
framr-2919	70	5	of	of	ADP
framr-2919	70	6	predictive	predictive	ADJ
framr-2919	70	7	analytics	analytic	NOUN
framr-2919	70	8	depending	depend	VERB
framr-2919	70	9	on	on	ADP
framr-2919	70	10	the	the	DET
framr-2919	70	11	size	size	NOUN
framr-2919	70	12	of	of	ADP
framr-2919	70	13	the	the	DET
framr-2919	70	14	target	target	NOUN
framr-2919	70	15	,	,	PUNCT
framr-2919	70	16	regression	regression	NOUN
framr-2919	70	17	and	and	CCONJ
framr-2919	70	18	classification	classification	NOUN
framr-2919	70	19	.	.	PUNCT
framr-2919	71	1	an	an	DET
framr-2919	71	2	example	example	NOUN
framr-2919	71	3	of	of	ADP
framr-2919	71	4	a	a	DET
framr-2919	71	5	variable	variable	ADJ
framr-2919	71	6	target	target	NOUN
framr-2919	71	7	in	in	ADP
framr-2919	71	8	the	the	DET
framr-2919	71	9	regression	regression	NOUN
framr-2919	71	10	was	be	AUX
framr-2919	71	11	the	the	DET
framr-2919	71	12	creditworthiness	creditworthiness	NOUN
framr-2919	71	13	of	of	ADP
framr-2919	71	14	shj	shj	PROPN
framr-2919	71	15	.	.	PUNCT
framr-2919	72	1	as	as	ADP
framr-2919	72	2	for	for	ADP
framr-2919	72	3	the	the	DET
framr-2919	72	4	target	target	NOUN
framr-2919	72	5	,	,	PUNCT
framr-2919	72	6	classification	classification	NOUN
framr-2919	72	7	was	be	AUX
framr-2919	72	8	a	a	DET
framr-2919	72	9	category	category	NOUN
framr-2919	72	10	,	,	PUNCT
framr-2919	72	11	the	the	DET
framr-2919	72	12	binary	binary	ADJ
framr-2919	72	13	classification	classification	NOUN
framr-2919	72	14	between	between	ADP
framr-2919	72	15	default	default	NOUN
framr-2919	72	16	and	and	CCONJ
framr-2919	72	17	non	non	NOUN
framr-2919	72	18	-	-	NOUN
framr-2919	72	19	default	default	NOUN
framr-2919	72	20	.	.	PUNCT
framr-2919	73	1	according	accord	VERB
framr-2919	73	2	to	to	ADP
framr-2919	73	3	halladay	halladay	PROPN
framr-2919	73	4	(	(	PUNCT
framr-2919	73	5	2013	2013	NUM
framr-2919	73	6	)	)	PUNCT
framr-2919	73	7	,	,	PUNCT
framr-2919	73	8	predictive	predictive	ADJ
framr-2919	73	9	analytics	analytic	NOUN
framr-2919	73	10	includes	include	VERB
framr-2919	73	11	a	a	DET
framr-2919	73	12	variety	variety	NOUN
framr-2919	73	13	of	of	ADP
framr-2919	73	14	statistical	statistical	ADJ
framr-2919	73	15	techniques	technique	NOUN
framr-2919	73	16	used	use	VERB
framr-2919	73	17	for	for	ADP
framr-2919	73	18	data	datum	NOUN
framr-2919	73	19	analysis	analysis	NOUN
framr-2919	73	20	today	today	NOUN
framr-2919	73	21	,	,	PUNCT
framr-2919	73	22	historically	historically	ADV
framr-2919	73	23	,	,	PUNCT
framr-2919	73	24	economically	economically	ADV
framr-2919	73	25	,	,	PUNCT
framr-2919	73	26	and	and	CCONJ
framr-2919	73	27	even	even	ADV
framr-2919	73	28	unstructured	unstructured	ADJ
framr-2919	73	29	data	datum	NOUN
framr-2919	73	30	such	such	ADJ
framr-2919	73	31	as	as	ADP
framr-2919	73	32	sentence	sentence	NOUN
framr-2919	73	33	text	text	NOUN
framr-2919	73	34	and	and	CCONJ
framr-2919	73	35	images	image	NOUN
framr-2919	73	36	.	.	PUNCT
framr-2919	74	1	this	this	DET
framr-2919	74	2	information	information	NOUN
framr-2919	74	3	was	be	AUX
framr-2919	74	4	used	use	VERB
framr-2919	74	5	to	to	PART
framr-2919	74	6	identify	identify	VERB
framr-2919	74	7	some	some	DET
framr-2919	74	8	risks	risk	NOUN
framr-2919	74	9	and	and	CCONJ
framr-2919	74	10	opportunities	opportunity	NOUN
framr-2919	74	11	and	and	CCONJ
framr-2919	74	12	capture	capture	VERB
framr-2919	74	13	relationships	relationship	NOUN
framr-2919	74	14	between	between	ADP
framr-2919	74	15	these	these	DET
framr-2919	74	16	factors	factor	NOUN
framr-2919	74	17	.	.	PUNCT
framr-2919	75	1	these	these	DET
framr-2919	75	2	analyses	analysis	NOUN
framr-2919	75	3	were	be	AUX
framr-2919	75	4	used	use	VERB
framr-2919	75	5	to	to	PART
framr-2919	75	6	make	make	VERB
framr-2919	75	7	more	more	ADV
framr-2919	75	8	accurate	accurate	ADJ
framr-2919	75	9	predictions	prediction	NOUN
framr-2919	75	10	about	about	ADP
framr-2919	75	11	future	future	ADJ
framr-2919	75	12	events	event	NOUN
framr-2919	75	13	and	and	CCONJ
framr-2919	75	14	explore	explore	VERB
framr-2919	75	15	patterns	pattern	NOUN
framr-2919	75	16	in	in	ADP
framr-2919	75	17	data	datum	NOUN
framr-2919	75	18	studies	study	NOUN
framr-2919	75	19	that	that	PRON
framr-2919	75	20	lead	lead	VERB
framr-2919	75	21	to	to	ADP
framr-2919	75	22	better	well	ADJ
framr-2919	75	23	decision	decision	NOUN
framr-2919	75	24	-	-	PUNCT
framr-2919	75	25	making	making	NOUN
framr-2919	75	26	.	.	PUNCT
framr-2919	76	1	furthermore	furthermore	ADV
framr-2919	76	2	halladay	halladay	PROPN
framr-2919	76	3	(	(	PUNCT
framr-2919	76	4	2013	2013	NUM
framr-2919	76	5	)	)	PUNCT
framr-2919	76	6	also	also	ADV
framr-2919	76	7	presents	present	VERB
framr-2919	76	8	the	the	DET
framr-2919	76	9	evolution	evolution	NOUN
framr-2919	76	10	of	of	ADP
framr-2919	76	11	predictive	predictive	ADJ
framr-2919	76	12	analysis	analysis	NOUN
framr-2919	76	13	development	development	NOUN
framr-2919	76	14	.	.	PUNCT
framr-2919	77	1	the	the	DET
framr-2919	77	2	evolution	evolution	NOUN
framr-2919	77	3	began	begin	VERB
framr-2919	77	4	with	with	ADP
framr-2919	77	5	project	project	NOUN
framr-2919	77	6	feasibility	feasibility	NOUN
framr-2919	77	7	,	,	PUNCT
framr-2919	77	8	which	which	PRON
framr-2919	77	9	focused	focus	VERB
framr-2919	77	10	on	on	ADP
framr-2919	77	11	project	project	NOUN
framr-2919	77	12	analysis	analysis	NOUN
framr-2919	77	13	and	and	CCONJ
framr-2919	77	14	internal	internal	ADJ
framr-2919	77	15	corporate	corporate	ADJ
framr-2919	77	16	data	datum	NOUN
framr-2919	77	17	,	,	PUNCT
framr-2919	77	18	continuing	continue	VERB
framr-2919	77	19	to	to	PART
framr-2919	77	20	be	be	AUX
framr-2919	77	21	business	business	NOUN
framr-2919	77	22	intelligence	intelligence	NOUN
framr-2919	77	23	that	that	PRON
framr-2919	77	24	already	already	ADV
framr-2919	77	25	uses	use	VERB
framr-2919	77	26	corporate	corporate	ADJ
framr-2919	77	27	external	external	ADJ
framr-2919	77	28	data	datum	NOUN
framr-2919	77	29	integrated	integrate	VERB
framr-2919	77	30	with	with	ADP
framr-2919	77	31	internal	internal	ADJ
framr-2919	77	32	company	company	NOUN
framr-2919	77	33	data	datum	NOUN
framr-2919	77	34	and	and	CCONJ
framr-2919	77	35	can	can	AUX
framr-2919	77	36	answer	answer	VERB
framr-2919	77	37	why	why	SCONJ
framr-2919	77	38	and	and	CCONJ
framr-2919	77	39	evaluate	evaluate	VERB
framr-2919	77	40	the	the	DET
framr-2919	77	41	project	project	NOUN
framr-2919	77	42	from	from	ADP
framr-2919	77	43	a	a	DET
framr-2919	77	44	strategic	strategic	ADJ
framr-2919	77	45	perspective	perspective	NOUN
framr-2919	77	46	.	.	PUNCT
framr-2919	78	1	finally	finally	ADV
framr-2919	78	2	,	,	PUNCT
framr-2919	78	3	the	the	DET
framr-2919	78	4	authors	author	NOUN
framr-2919	78	5	decided	decide	VERB
framr-2919	78	6	to	to	PART
framr-2919	78	7	develop	develop	VERB
framr-2919	78	8	the	the	DET
framr-2919	78	9	data	datum	NOUN
framr-2919	78	10	into	into	ADP
framr-2919	78	11	predictive	predictive	ADJ
framr-2919	78	12	analytics	analytic	NOUN
framr-2919	78	13	,	,	PUNCT
framr-2919	78	14	focusing	focus	VERB
framr-2919	78	15	on	on	ADP
framr-2919	78	16	predictive	predictive	ADJ
framr-2919	78	17	modeling	modeling	NOUN
framr-2919	78	18	and	and	CCONJ
framr-2919	78	19	forecasting	forecasting	NOUN
framr-2919	78	20	tools	tool	NOUN
framr-2919	78	21	.	.	PUNCT
framr-2919	79	1	sarosa	sarosa	NOUN
framr-2919	79	2	(	(	PUNCT
framr-2919	79	3	2012	2012	NUM
framr-2919	79	4	)	)	PUNCT
framr-2919	79	5	;	;	PUNCT
framr-2919	79	6	lee	lee	PROPN
framr-2919	79	7	and	and	CCONJ
framr-2919	79	8	lee	lee	PROPN
framr-2919	79	9	(	(	PUNCT
framr-2919	79	10	2015	2015	NUM
framr-2919	79	11	)	)	PUNCT
framr-2919	79	12	predictive	predictive	ADJ
framr-2919	79	13	analytics	analytic	NOUN
framr-2919	79	14	was	be	AUX
framr-2919	79	15	a	a	DET
framr-2919	79	16	process	process	NOUN
framr-2919	79	17	that	that	PRON
framr-2919	79	18	includes	include	VERB
framr-2919	79	19	a	a	DET
framr-2919	79	20	series	series	NOUN
framr-2919	79	21	of	of	ADP
framr-2919	79	22	methodologies	methodology	NOUN
framr-2919	79	23	that	that	PRON
framr-2919	79	24	can	can	AUX
framr-2919	79	25	manage	manage	VERB
framr-2919	79	26	various	various	ADJ
framr-2919	79	27	large	large	ADJ
framr-2919	79	28	-	-	PUNCT
framr-2919	79	29	scale	scale	NOUN
framr-2919	79	30	data	data	NOUN
framr-2919	79	31	-	-	PUNCT
framr-2919	79	32	driven	drive	VERB
framr-2919	79	33	problems	problem	NOUN
framr-2919	79	34	faced	face	VERB
framr-2919	79	35	by	by	ADP
framr-2919	79	36	many	many	ADJ
framr-2919	79	37	entities	entity	NOUN
framr-2919	79	38	.	.	PUNCT
framr-2919	80	1	it	it	PRON
framr-2919	80	2	was	be	AUX
framr-2919	80	3	a	a	DET
framr-2919	80	4	repetitive	repetitive	ADJ
framr-2919	80	5	process	process	NOUN
framr-2919	80	6	that	that	PRON
framr-2919	80	7	connected	connect	VERB
framr-2919	80	8	several	several	ADJ
framr-2919	80	9	statistical	statistical	ADJ
framr-2919	80	10	methods	method	NOUN
framr-2919	80	11	of	of	ADP
framr-2919	80	12	sampling	sampling	NOUN
framr-2919	80	13	,	,	PUNCT
framr-2919	80	14	model	model	NOUN
framr-2919	80	15	estimation	estimation	NOUN
framr-2919	80	16	,	,	PUNCT
framr-2919	80	17	model	model	NOUN
framr-2919	80	18	prediction	prediction	NOUN
framr-2919	80	19	,	,	PUNCT
framr-2919	80	20	and	and	CCONJ
framr-2919	80	21	evaluation	evaluation	NOUN
framr-2919	80	22	to	to	PART
framr-2919	80	23	form	form	VERB
framr-2919	80	24	a	a	DET
framr-2919	80	25	credit	credit	NOUN
framr-2919	80	26	scoring	scoring	NOUN
framr-2919	80	27	system	system	NOUN
framr-2919	80	28	.	.	PUNCT
framr-2919	81	1	according	accord	VERB
framr-2919	81	2	to	to	ADP
framr-2919	81	3	halladay	halladay	PROPN
framr-2919	81	4	(	(	PUNCT
framr-2919	81	5	2013	2013	NUM
framr-2919	81	6	)	)	PUNCT
framr-2919	81	7	,	,	PUNCT
framr-2919	81	8	an	an	DET
framr-2919	81	9	essential	essential	ADJ
framr-2919	81	10	stage	stage	NOUN
framr-2919	81	11	in	in	ADP
framr-2919	81	12	developing	develop	VERB
framr-2919	81	13	information	information	NOUN
framr-2919	81	14	about	about	ADP
framr-2919	81	15	predictive	predictive	ADJ
framr-2919	81	16	analytics	analytic	NOUN
framr-2919	81	17	was	be	AUX
framr-2919	81	18	setting	set	VERB
framr-2919	81	19	the	the	DET
framr-2919	81	20	goals	goal	NOUN
framr-2919	81	21	of	of	ADP
framr-2919	81	22	the	the	DET
framr-2919	81	23	prediction	prediction	NOUN
framr-2919	81	24	itself	itself	PRON
framr-2919	81	25	to	to	PART
framr-2919	81	26	determine	determine	VERB
framr-2919	81	27	the	the	DET
framr-2919	81	28	business	business	NOUN
framr-2919	81	29	problems	problem	NOUN
framr-2919	81	30	that	that	PRON
framr-2919	81	31	must	must	AUX
framr-2919	81	32	be	be	AUX
framr-2919	81	33	solved	solve	VERB
framr-2919	81	34	.	.	PUNCT
framr-2919	82	1	while	while	SCONJ
framr-2919	82	2	according	accord	VERB
framr-2919	82	3	to	to	ADP
framr-2919	82	4	lee	lee	PROPN
framr-2919	82	5	and	and	CCONJ
framr-2919	82	6	lee	lee	PROPN
framr-2919	82	7	(	(	PUNCT
framr-2919	82	8	2015	2015	NUM
framr-2919	82	9	)	)	PUNCT
framr-2919	82	10	,	,	PUNCT
framr-2919	82	11	some	some	DET
framr-2919	82	12	essential	essential	ADJ
framr-2919	82	13	things	thing	NOUN
framr-2919	82	14	that	that	PRON
framr-2919	82	15	can	can	AUX
framr-2919	82	16	not	not	PART
framr-2919	82	17	be	be	AUX
framr-2919	82	18	ignored	ignore	VERB
framr-2919	82	19	in	in	ADP
framr-2919	82	20	organizing	organize	VERB
framr-2919	82	21	predictive	predictive	ADJ
framr-2919	82	22	analytics	analytic	NOUN
framr-2919	82	23	work	work	NOUN
framr-2919	82	24	are	be	AUX
framr-2919	82	25	the	the	DET
framr-2919	82	26	collection	collection	NOUN
framr-2919	82	27	and	and	CCONJ
framr-2919	82	28	sampling	sampling	NOUN
framr-2919	82	29	of	of	ADP
framr-2919	82	30	data	datum	NOUN
framr-2919	82	31	,	,	PUNCT
framr-2919	82	32	model	model	NOUN
framr-2919	82	33	estimation	estimation	NOUN
framr-2919	82	34	,	,	PUNCT
framr-2919	82	35	model	model	NOUN
framr-2919	82	36	prediction	prediction	NOUN
framr-2919	82	37	and	and	CCONJ
framr-2919	82	38	evaluation	evaluation	NOUN
framr-2919	82	39	,	,	PUNCT
framr-2919	82	40	and	and	CCONJ
framr-2919	82	41	model	model	NOUN
framr-2919	82	42	adjustments	adjustment	NOUN
framr-2919	82	43	.	.	PUNCT
framr-2919	83	1	financial	financial	ADJ
framr-2919	83	2	risk	risk	NOUN
framr-2919	83	3	and	and	CCONJ
framr-2919	83	4	management	management	NOUN
framr-2919	83	5	reviews	review	NOUN
framr-2919	83	6	,	,	PUNCT
framr-2919	83	7	2022	2022	NUM
framr-2919	83	8	,	,	PUNCT
framr-2919	83	9	8(1	8(1	NOUN
framr-2919	83	10	):	):	PUNCT
framr-2919	83	11	1	1	NUM
framr-2919	83	12	-	-	SYM
framr-2919	83	13	11	11	NUM
framr-2919	83	14	4	4	NUM
framr-2919	83	15	©	©	PROPN
framr-2919	83	16	2022	2022	NUM
framr-2919	83	17	conscientia	conscientia	PROPN
framr-2919	83	18	beam	beam	PROPN
framr-2919	83	19	.	.	PUNCT
framr-2919	84	1	all	all	DET
framr-2919	84	2	rights	right	NOUN
framr-2919	84	3	reserved	reserve	VERB
framr-2919	84	4	.	.	PUNCT
framr-2919	84	5	observing	observe	VERB
framr-2919	84	6	the	the	DET
framr-2919	84	7	credit	credit	NOUN
framr-2919	84	8	default	default	NOUN
framr-2919	84	9	events	event	NOUN
framr-2919	84	10	in	in	ADP
framr-2919	84	11	the	the	DET
framr-2919	84	12	retrofitting	retrofitting	NOUN
framr-2919	84	13	process	process	NOUN
framr-2919	84	14	in	in	ADP
framr-2919	84	15	the	the	DET
framr-2919	84	16	energy	energy	NOUN
framr-2919	84	17	efficiency	efficiency	NOUN
framr-2919	84	18	industry	industry	NOUN
framr-2919	84	19	must	must	AUX
framr-2919	84	20	be	be	AUX
framr-2919	84	21	understood	understand	VERB
framr-2919	84	22	as	as	ADP
framr-2919	84	23	a	a	DET
framr-2919	84	24	flow	flow	NOUN
framr-2919	84	25	business	business	NOUN
framr-2919	84	26	process	process	NOUN
framr-2919	84	27	.	.	PUNCT
framr-2919	85	1	when	when	SCONJ
framr-2919	85	2	starting	start	VERB
framr-2919	85	3	the	the	DET
framr-2919	85	4	marketing	marketing	NOUN
framr-2919	85	5	process	process	NOUN
framr-2919	85	6	,	,	PUNCT
framr-2919	85	7	officers	officer	NOUN
framr-2919	85	8	look	look	VERB
framr-2919	85	9	for	for	ADP
framr-2919	85	10	prospective	prospective	ADJ
framr-2919	85	11	customers	customer	NOUN
framr-2919	85	12	,	,	PUNCT
framr-2919	85	13	the	the	DET
framr-2919	85	14	data	data	NOUN
framr-2919	85	15	verification	verification	NOUN
framr-2919	85	16	/	/	SYM
framr-2919	85	17	validation	validation	NOUN
framr-2919	85	18	process	process	NOUN
framr-2919	85	19	,	,	PUNCT
framr-2919	85	20	the	the	DET
framr-2919	85	21	credit	credit	NOUN
framr-2919	85	22	analysis	analysis	NOUN
framr-2919	85	23	process	process	NOUN
framr-2919	85	24	,	,	PUNCT
framr-2919	85	25	the	the	DET
framr-2919	85	26	verdict	verdict	NOUN
framr-2919	85	27	process	process	NOUN
framr-2919	85	28	,	,	PUNCT
framr-2919	85	29	and	and	CCONJ
framr-2919	85	30	the	the	DET
framr-2919	85	31	disbursement	disbursement	NOUN
framr-2919	85	32	process	process	NOUN
framr-2919	85	33	.	.	PUNCT
framr-2919	86	1	with	with	ADP
framr-2919	86	2	the	the	DET
framr-2919	86	3	above	above	ADJ
framr-2919	86	4	explanation	explanation	NOUN
framr-2919	86	5	,	,	PUNCT
framr-2919	86	6	this	this	DET
framr-2919	86	7	research	research	NOUN
framr-2919	86	8	was	be	AUX
framr-2919	86	9	expected	expect	VERB
framr-2919	86	10	to	to	PART
framr-2919	86	11	provide	provide	VERB
framr-2919	86	12	some	some	PRON
framr-2919	86	13	of	of	ADP
framr-2919	86	14	the	the	DET
framr-2919	86	15	following	follow	VERB
framr-2919	86	16	benefits	benefit	NOUN
framr-2919	86	17	:	:	PUNCT
framr-2919	86	18	1	1	X
framr-2919	86	19	)	)	PUNCT
framr-2919	86	20	the	the	DET
framr-2919	86	21	use	use	NOUN
framr-2919	86	22	of	of	ADP
framr-2919	86	23	machine	machine	NOUN
framr-2919	86	24	learning	learning	NOUN
framr-2919	86	25	in	in	ADP
framr-2919	86	26	its	its	PRON
framr-2919	86	27	particular	particular	ADJ
framr-2919	86	28	retrofitting	retrofitting	NOUN
framr-2919	86	29	practice	practice	NOUN
framr-2919	86	30	on	on	ADP
framr-2919	86	31	granting	grant	VERB
framr-2919	86	32	energy	energy	NOUN
framr-2919	86	33	efficiency	efficiency	NOUN
framr-2919	86	34	project	project	NOUN
framr-2919	86	35	credit	credit	NOUN
framr-2919	86	36	is	be	AUX
framr-2919	86	37	a	a	DET
framr-2919	86	38	new	new	ADJ
framr-2919	86	39	practice	practice	NOUN
framr-2919	86	40	and	and	CCONJ
framr-2919	86	41	is	be	AUX
framr-2919	86	42	starting	start	VERB
framr-2919	86	43	to	to	PART
framr-2919	86	44	grow	grow	VERB
framr-2919	86	45	in	in	ADP
framr-2919	86	46	indonesia	indonesia	PROPN
framr-2919	86	47	.	.	PUNCT
framr-2919	87	1	therefore	therefore	ADV
framr-2919	87	2	,	,	PUNCT
framr-2919	87	3	this	this	DET
framr-2919	87	4	research	research	NOUN
framr-2919	87	5	is	be	AUX
framr-2919	87	6	expected	expect	VERB
framr-2919	87	7	to	to	PART
framr-2919	87	8	contribute	contribute	VERB
framr-2919	87	9	to	to	ADP
framr-2919	87	10	science	science	NOUN
framr-2919	87	11	,	,	PUNCT
framr-2919	87	12	especially	especially	ADV
framr-2919	87	13	accepting	accept	VERB
framr-2919	87	14	technological	technological	ADJ
framr-2919	87	15	innovation	innovation	NOUN
framr-2919	87	16	to	to	PART
framr-2919	87	17	produce	produce	VERB
framr-2919	87	18	efficiency	efficiency	NOUN
framr-2919	87	19	in	in	ADP
framr-2919	87	20	the	the	DET
framr-2919	87	21	energy	energy	NOUN
framr-2919	87	22	efficiency	efficiency	NOUN
framr-2919	87	23	industry	industry	NOUN
framr-2919	87	24	.	.	PUNCT
framr-2919	88	1	2	2	X
framr-2919	88	2	)	)	PUNCT
framr-2919	88	3	the	the	DET
framr-2919	88	4	results	result	NOUN
framr-2919	88	5	of	of	ADP
framr-2919	88	6	this	this	DET
framr-2919	88	7	research	research	NOUN
framr-2919	88	8	are	be	AUX
framr-2919	88	9	expected	expect	VERB
framr-2919	88	10	to	to	PART
framr-2919	88	11	be	be	AUX
framr-2919	88	12	one	one	NUM
framr-2919	88	13	of	of	ADP
framr-2919	88	14	the	the	DET
framr-2919	88	15	sources	source	NOUN
framr-2919	88	16	of	of	ADP
framr-2919	88	17	information	information	NOUN
framr-2919	88	18	about	about	ADP
framr-2919	88	19	retrofitting	retrofit	VERB
framr-2919	88	20	practices	practice	NOUN
framr-2919	88	21	with	with	ADP
framr-2919	88	22	machine	machine	NOUN
framr-2919	88	23	learning	learn	VERB
framr-2919	88	24	to	to	PART
framr-2919	88	25	detect	detect	VERB
framr-2919	88	26	credit	credit	NOUN
framr-2919	88	27	risk	risk	NOUN
framr-2919	88	28	.	.	PUNCT
framr-2919	89	1	3	3	X
framr-2919	89	2	)	)	PUNCT
framr-2919	89	3	this	this	DET
framr-2919	89	4	research	research	NOUN
framr-2919	89	5	can	can	AUX
framr-2919	89	6	be	be	AUX
framr-2919	89	7	helpful	helpful	ADJ
framr-2919	89	8	to	to	PART
framr-2919	89	9	be	be	AUX
framr-2919	89	10	one	one	NUM
framr-2919	89	11	of	of	ADP
framr-2919	89	12	the	the	DET
framr-2919	89	13	references	reference	NOUN
framr-2919	89	14	for	for	ADP
framr-2919	89	15	decision	decision	NOUN
framr-2919	89	16	-	-	PUNCT
framr-2919	89	17	makers	maker	NOUN
framr-2919	89	18	in	in	ADP
framr-2919	89	19	the	the	DET
framr-2919	89	20	energy	energy	NOUN
framr-2919	89	21	efficiency	efficiency	NOUN
framr-2919	89	22	industry	industry	NOUN
framr-2919	89	23	,	,	PUNCT
framr-2919	89	24	namely	namely	ADV
framr-2919	89	25	problematic	problematic	ADJ
framr-2919	89	26	credits	credit	NOUN
framr-2919	89	27	carried	carry	VERB
framr-2919	89	28	out	out	ADP
framr-2919	89	29	by	by	ADP
framr-2919	89	30	either	either	DET
framr-2919	89	31	outsiders	outsider	NOUN
framr-2919	89	32	or	or	CCONJ
framr-2919	89	33	parties	party	NOUN
framr-2919	89	34	in	in	ADP
framr-2919	89	35	the	the	DET
framr-2919	89	36	provision	provision	NOUN
framr-2919	89	37	of	of	ADP
framr-2919	89	38	retrofitting	retrofit	VERB
framr-2919	89	39	credit	credit	NOUN
framr-2919	89	40	.	.	PUNCT
framr-2919	90	1	4	4	X
framr-2919	90	2	)	)	PUNCT
framr-2919	90	3	providing	provide	VERB
framr-2919	90	4	information	information	NOUN
framr-2919	90	5	about	about	ADP
framr-2919	90	6	alternative	alternative	ADJ
framr-2919	90	7	detection	detection	NOUN
framr-2919	90	8	models	model	NOUN
framr-2919	90	9	,	,	PUNCT
framr-2919	90	10	and	and	CCONJ
framr-2919	90	11	5	5	X
framr-2919	90	12	)	)	PUNCT
framr-2919	90	13	creating	create	VERB
framr-2919	90	14	a	a	DET
framr-2919	90	15	culture	culture	NOUN
framr-2919	90	16	in	in	ADP
framr-2919	90	17	the	the	DET
framr-2919	90	18	energy	energy	NOUN
framr-2919	90	19	efficiency	efficiency	NOUN
framr-2919	90	20	industry	industry	NOUN
framr-2919	90	21	using	use	VERB
framr-2919	90	22	machine	machine	NOUN
framr-2919	90	23	learning	learning	NOUN
framr-2919	90	24	-	-	PUNCT
framr-2919	90	25	based	base	VERB
framr-2919	90	26	technology	technology	NOUN
framr-2919	90	27	innovations	innovation	NOUN
framr-2919	90	28	.	.	PUNCT
framr-2919	91	1	2	2	X
framr-2919	91	2	.	.	X
framr-2919	91	3	literature	literature	NOUN
framr-2919	91	4	review	review	VERB
framr-2919	91	5	neural	neural	ADJ
framr-2919	91	6	networks	network	NOUN
framr-2919	91	7	and	and	CCONJ
framr-2919	91	8	logistics	logistic	NOUN
framr-2919	91	9	have	have	VERB
framr-2919	91	10	a	a	DET
framr-2919	91	11	long	long	ADJ
framr-2919	91	12	history	history	NOUN
framr-2919	91	13	,	,	PUNCT
framr-2919	91	14	and	and	CCONJ
framr-2919	91	15	many	many	ADJ
framr-2919	91	16	individuals	individual	NOUN
framr-2919	91	17	have	have	AUX
framr-2919	91	18	worked	work	VERB
framr-2919	91	19	on	on	ADP
framr-2919	91	20	their	their	PRON
framr-2919	91	21	development	development	NOUN
framr-2919	91	22	throughout	throughout	ADP
framr-2919	91	23	the	the	DET
framr-2919	91	24	years	year	NOUN
framr-2919	91	25	.	.	PUNCT
framr-2919	92	1	in	in	ADP
framr-2919	92	2	recent	recent	ADJ
framr-2919	92	3	years	year	NOUN
framr-2919	92	4	,	,	PUNCT
framr-2919	92	5	many	many	ADJ
framr-2919	92	6	fields	field	NOUN
framr-2919	92	7	have	have	AUX
framr-2919	92	8	created	create	VERB
framr-2919	92	9	outcome	outcome	NOUN
framr-2919	92	10	prediction	prediction	NOUN
framr-2919	92	11	models	model	NOUN
framr-2919	92	12	based	base	VERB
framr-2919	92	13	on	on	ADP
framr-2919	92	14	artificial	artificial	ADJ
framr-2919	92	15	neural	neural	ADJ
framr-2919	92	16	networks	network	NOUN
framr-2919	92	17	(	(	PUNCT
framr-2919	92	18	"	"	PUNCT
framr-2919	92	19	an	an	DET
framr-2919	92	20	"	"	PUNCT
framr-2919	92	21	)	)	PUNCT
framr-2919	92	22	and	and	CCONJ
framr-2919	92	23	logistic	logistic	ADJ
framr-2919	92	24	regression	regression	NOUN
framr-2919	92	25	analysis	analysis	NOUN
framr-2919	92	26	(	(	PUNCT
framr-2919	92	27	"	"	PUNCT
framr-2919	92	28	lr	lr	INTJ
framr-2919	92	29	"	"	PUNCT
framr-2919	92	30	)	)	PUNCT
framr-2919	92	31	.	.	PUNCT
framr-2919	93	1	according	accord	VERB
framr-2919	93	2	to	to	ADP
framr-2919	93	3	empirical	empirical	ADJ
framr-2919	93	4	investigations	investigation	NOUN
framr-2919	93	5	,	,	PUNCT
framr-2919	93	6	logistic	logistic	ADJ
framr-2919	93	7	regression	regression	NOUN
framr-2919	93	8	(	(	PUNCT
framr-2919	93	9	lr	lr	NOUN
framr-2919	93	10	)	)	PUNCT
framr-2919	93	11	was	be	AUX
framr-2919	93	12	the	the	DET
framr-2919	93	13	most	most	ADV
framr-2919	93	14	remarkable	remarkable	ADJ
framr-2919	93	15	statistical	statistical	ADJ
framr-2919	93	16	analytic	analytic	ADJ
framr-2919	93	17	technique	technique	NOUN
framr-2919	93	18	for	for	ADP
framr-2919	93	19	creditworthiness	creditworthiness	NOUN
framr-2919	93	20	(	(	PUNCT
framr-2919	93	21	lessmann	lessmann	PROPN
framr-2919	93	22	,	,	PUNCT
framr-2919	93	23	baesens	baesen	NOUN
framr-2919	93	24	,	,	PUNCT
framr-2919	93	25	seow	seow	PROPN
framr-2919	93	26	,	,	PUNCT
framr-2919	93	27	&	&	CCONJ
framr-2919	93	28	thomas	thomas	PROPN
framr-2919	93	29	,	,	PUNCT
framr-2919	93	30	2015	2015	NUM
framr-2919	93	31	)	)	PUNCT
framr-2919	93	32	.	.	PUNCT
framr-2919	94	1	the	the	DET
framr-2919	94	2	authors	author	NOUN
framr-2919	94	3	of	of	ADP
framr-2919	94	4	this	this	DET
framr-2919	94	5	research	research	NOUN
framr-2919	94	6	look	look	NOUN
framr-2919	94	7	at	at	ADP
framr-2919	94	8	esco	esco	PROPN
framr-2919	94	9	's	's	PART
framr-2919	94	10	procedures	procedure	NOUN
framr-2919	94	11	for	for	ADP
framr-2919	94	12	determining	determine	VERB
framr-2919	94	13	client	client	NOUN
framr-2919	94	14	creditworthiness	creditworthiness	NOUN
framr-2919	94	15	.	.	PUNCT
framr-2919	95	1	the	the	DET
framr-2919	95	2	authors	author	NOUN
framr-2919	95	3	looked	look	VERB
framr-2919	95	4	at	at	ADP
framr-2919	95	5	which	which	PRON
framr-2919	95	6	elements	element	NOUN
framr-2919	95	7	influenced	influence	VERB
framr-2919	95	8	esco	esco	PROPN
framr-2919	95	9	's	's	PART
framr-2919	95	10	final	final	ADJ
framr-2919	95	11	retrofitting	retrofitting	NOUN
framr-2919	95	12	project	project	NOUN
framr-2919	95	13	.	.	PUNCT
framr-2919	96	1	to	to	PART
framr-2919	96	2	begin	begin	VERB
framr-2919	96	3	,	,	PUNCT
framr-2919	96	4	the	the	DET
framr-2919	96	5	authors	author	NOUN
framr-2919	96	6	evaluate	evaluate	VERB
framr-2919	96	7	applications	application	NOUN
framr-2919	96	8	using	use	VERB
framr-2919	96	9	traditional	traditional	ADJ
framr-2919	96	10	methods	method	NOUN
framr-2919	96	11	such	such	ADJ
framr-2919	96	12	as	as	ADP
framr-2919	96	13	upfront	upfront	ADJ
framr-2919	96	14	investment	investment	NOUN
framr-2919	96	15	,	,	PUNCT
framr-2919	96	16	income	income	NOUN
framr-2919	96	17	factors	factor	NOUN
framr-2919	96	18	,	,	PUNCT
framr-2919	96	19	extra	extra	ADJ
framr-2919	96	20	income	income	NOUN
framr-2919	96	21	variables	variable	NOUN
framr-2919	96	22	,	,	PUNCT
framr-2919	96	23	return	return	VERB
framr-2919	96	24	durations	duration	NOUN
framr-2919	96	25	,	,	PUNCT
framr-2919	96	26	investment	investment	NOUN
framr-2919	96	27	returns	return	NOUN
framr-2919	96	28	,	,	PUNCT
framr-2919	96	29	and	and	CCONJ
framr-2919	96	30	criteria	criterion	NOUN
framr-2919	96	31	related	relate	VERB
framr-2919	96	32	to	to	ADP
framr-2919	96	33	client	client	NOUN
framr-2919	96	34	characteristics	characteristic	NOUN
framr-2919	96	35	.	.	PUNCT
framr-2919	97	1	the	the	DET
framr-2919	97	2	authors	author	NOUN
framr-2919	97	3	then	then	ADV
framr-2919	97	4	employ	employ	VERB
framr-2919	97	5	machine	machine	NOUN
framr-2919	97	6	learning	learning	NOUN
framr-2919	97	7	(	(	PUNCT
framr-2919	97	8	ml	ml	NOUN
framr-2919	97	9	)	)	PUNCT
framr-2919	97	10	neural	neural	ADJ
framr-2919	97	11	networks	network	NOUN
framr-2919	97	12	and	and	CCONJ
framr-2919	97	13	logistic	logistic	ADJ
framr-2919	97	14	regression	regression	NOUN
framr-2919	97	15	to	to	PART
framr-2919	97	16	forecast	forecast	VERB
framr-2919	97	17	the	the	DET
framr-2919	97	18	likelihood	likelihood	NOUN
framr-2919	97	19	of	of	ADP
framr-2919	97	20	future	future	ADJ
framr-2919	97	21	behaviors	behavior	NOUN
framr-2919	97	22	(	(	PUNCT
framr-2919	97	23	lessmann	lessmann	PROPN
framr-2919	97	24	,	,	PUNCT
framr-2919	97	25	baesens	baesen	NOUN
framr-2919	97	26	,	,	PUNCT
framr-2919	97	27	seow	seow	PROPN
framr-2919	97	28	,	,	PUNCT
framr-2919	97	29	&	&	CCONJ
framr-2919	97	30	thomas	thomas	PROPN
framr-2919	97	31	,	,	PUNCT
framr-2919	97	32	2015	2015	NUM
framr-2919	97	33	)	)	PUNCT
framr-2919	97	34	.	.	PUNCT
framr-2919	98	1	in	in	ADP
framr-2919	98	2	most	most	ADJ
framr-2919	98	3	cases	case	NOUN
framr-2919	98	4	,	,	PUNCT
framr-2919	98	5	logistic	logistic	ADJ
framr-2919	98	6	regression	regression	NOUN
framr-2919	98	7	is	be	AUX
framr-2919	98	8	utilized	utilize	VERB
framr-2919	98	9	in	in	ADP
framr-2919	98	10	the	the	DET
framr-2919	98	11	credit	credit	NOUN
framr-2919	98	12	score	score	NOUN
framr-2919	98	13	model	model	NOUN
framr-2919	98	14	.	.	PUNCT
framr-2919	99	1	the	the	DET
framr-2919	99	2	creditworthiness	creditworthiness	PROPN
framr-2919	99	3	model	model	PROPN
framr-2919	99	4	(	(	PUNCT
framr-2919	99	5	wiginton	wiginton	NOUN
framr-2919	99	6	,	,	PUNCT
framr-2919	99	7	1980	1980	NUM
framr-2919	99	8	)	)	PUNCT
framr-2919	99	9	used	use	VERB
framr-2919	99	10	a	a	DET
framr-2919	99	11	logistic	logistic	ADJ
framr-2919	99	12	model	model	NOUN
framr-2919	99	13	.	.	PUNCT
framr-2919	100	1	cramer	cramer	PROPN
framr-2919	100	2	(	(	PUNCT
framr-2919	100	3	2004	2004	NUM
framr-2919	100	4	)	)	PUNCT
framr-2919	100	5	later	later	ADV
framr-2919	100	6	created	create	VERB
framr-2919	100	7	some	some	DET
framr-2919	100	8	other	other	ADJ
framr-2919	100	9	types	type	NOUN
framr-2919	100	10	of	of	ADP
framr-2919	100	11	logistic	logistic	ADJ
framr-2919	100	12	regression	regression	NOUN
framr-2919	100	13	.	.	PUNCT
framr-2919	101	1	according	accord	VERB
framr-2919	101	2	to	to	ADP
framr-2919	101	3	the	the	DET
framr-2919	101	4	experimental	experimental	ADJ
framr-2919	101	5	data	datum	NOUN
framr-2919	101	6	,	,	PUNCT
framr-2919	101	7	the	the	DET
framr-2919	101	8	border	border	NOUN
framr-2919	101	9	logistic	logistic	ADJ
framr-2919	101	10	regression	regression	NOUN
framr-2919	101	11	approach	approach	NOUN
framr-2919	101	12	has	have	VERB
framr-2919	101	13	a	a	DET
framr-2919	101	14	greater	great	ADJ
framr-2919	101	15	classification	classification	NOUN
framr-2919	101	16	accuracy	accuracy	NOUN
framr-2919	101	17	.	.	PUNCT
framr-2919	102	1	overall	overall	ADV
framr-2919	102	2	,	,	PUNCT
framr-2919	102	3	while	while	SCONJ
framr-2919	102	4	the	the	DET
framr-2919	102	5	creditworthiness	creditworthiness	NOUN
framr-2919	102	6	model	model	NOUN
framr-2919	102	7	performs	perform	VERB
framr-2919	102	8	well	well	ADV
framr-2919	102	9	in	in	ADP
framr-2919	102	10	machine	machine	NOUN
framr-2919	102	11	learning	learning	NOUN
framr-2919	102	12	,	,	PUNCT
framr-2919	102	13	it	it	PRON
framr-2919	102	14	needs	need	VERB
framr-2919	102	15	big	big	ADJ
framr-2919	102	16	raw	raw	ADJ
framr-2919	102	17	data	datum	NOUN
framr-2919	102	18	.	.	PUNCT
framr-2919	103	1	logistic	logistic	ADJ
framr-2919	103	2	regression	regression	NOUN
framr-2919	103	3	is	be	AUX
framr-2919	103	4	one	one	NUM
framr-2919	103	5	of	of	ADP
framr-2919	103	6	the	the	DET
framr-2919	103	7	techniques	technique	NOUN
framr-2919	103	8	borrowed	borrow	VERB
framr-2919	103	9	by	by	ADP
framr-2919	103	10	machine	machine	NOUN
framr-2919	103	11	learning	learning	NOUN
framr-2919	103	12	from	from	ADP
framr-2919	103	13	statistics	statistic	NOUN
framr-2919	103	14	.	.	PUNCT
framr-2919	104	1	it	it	PRON
framr-2919	104	2	was	be	AUX
framr-2919	104	3	a	a	DET
framr-2919	104	4	method	method	NOUN
framr-2919	104	5	for	for	ADP
framr-2919	104	6	solving	solve	VERB
framr-2919	104	7	binary	binary	ADJ
framr-2919	104	8	classification	classification	NOUN
framr-2919	104	9	problems	problem	NOUN
framr-2919	104	10	(	(	PUNCT
framr-2919	104	11	two	two	NUM
framr-2919	104	12	class	class	NOUN
framr-2919	104	13	values	value	NOUN
framr-2919	104	14	)	)	PUNCT
framr-2919	104	15	.	.	PUNCT
framr-2919	105	1	the	the	DET
framr-2919	105	2	authors	author	NOUN
framr-2919	105	3	write	write	VERB
framr-2919	105	4	a	a	DET
framr-2919	105	5	logistic	logistic	ADJ
framr-2919	105	6	regression	regression	NOUN
framr-2919	105	7	algorithm	algorithm	NOUN
framr-2919	105	8	for	for	ADP
framr-2919	105	9	machine	machine	NOUN
framr-2919	105	10	learning	learning	NOUN
framr-2919	105	11	in	in	ADP
framr-2919	105	12	this	this	DET
framr-2919	105	13	paper	paper	NOUN
framr-2919	105	14	.	.	PUNCT
framr-2919	106	1	the	the	DET
framr-2919	106	2	logistics	logistic	NOUN
framr-2919	106	3	function	function	NOUN
framr-2919	106	4	was	be	AUX
framr-2919	106	5	also	also	ADV
framr-2919	106	6	called	call	VERB
framr-2919	106	7	the	the	DET
framr-2919	106	8	sigmoid	sigmoid	NOUN
framr-2919	106	9	function	function	NOUN
framr-2919	106	10	.	.	PUNCT
framr-2919	107	1	an	an	DET
framr-2919	107	2	s	s	ADV
framr-2919	107	3	-	-	PUNCT
framr-2919	107	4	shaped	shape	VERB
framr-2919	107	5	curve	curve	NOUN
framr-2919	107	6	can	can	AUX
framr-2919	107	7	take	take	VERB
framr-2919	107	8	an	an	DET
framr-2919	107	9	absolute	absolute	ADJ
framr-2919	107	10	value	value	NOUN
framr-2919	107	11	number	number	NOUN
framr-2919	107	12	and	and	CCONJ
framr-2919	107	13	map	map	VERB
framr-2919	107	14	it	it	PRON
framr-2919	107	15	into	into	ADP
framr-2919	107	16	values	value	NOUN
framr-2919	107	17	between	between	ADP
framr-2919	107	18	0	0	NUM
framr-2919	107	19	and	and	CCONJ
framr-2919	107	20	1	1	NUM
framr-2919	107	21	,	,	PUNCT
framr-2919	107	22	but	but	CCONJ
framr-2919	107	23	never	never	ADV
framr-2919	107	24	precisely	precisely	ADV
framr-2919	107	25	at	at	ADP
framr-2919	107	26	that	that	DET
framr-2919	107	27	limit	limit	NOUN
framr-2919	107	28	.	.	PUNCT
framr-2919	108	1	logistic	logistic	ADJ
framr-2919	108	2	regression	regression	NOUN
framr-2919	108	3	hypotheses	hypothesis	NOUN
framr-2919	108	4	tend	tend	VERB
framr-2919	108	5	to	to	PART
framr-2919	108	6	limit	limit	VERB
framr-2919	108	7	functions	function	NOUN
framr-2919	108	8	between	between	ADP
framr-2919	108	9	0	0	NUM
framr-2919	108	10	and	and	CCONJ
framr-2919	108	11	1	1	NUM
framr-2919	108	12	.	.	PUNCT
framr-2919	109	1	in	in	ADP
framr-2919	109	2	machine	machine	NOUN
framr-2919	109	3	learning	learning	NOUN
framr-2919	109	4	,	,	PUNCT
framr-2919	109	5	the	the	DET
framr-2919	109	6	authors	author	NOUN
framr-2919	109	7	use	use	VERB
framr-2919	109	8	sigmoids	sigmoid	NOUN
framr-2919	109	9	to	to	PART
framr-2919	109	10	map	map	VERB
framr-2919	109	11	probability	probability	NOUN
framr-2919	109	12	predictions	prediction	NOUN
framr-2919	109	13	.	.	PUNCT
framr-2919	110	1	the	the	DET
framr-2919	110	2	authors	author	NOUN
framr-2919	110	3	expect	expect	VERB
framr-2919	110	4	the	the	DET
framr-2919	110	5	classifier	classifier	NOUN
framr-2919	110	6	to	to	PART
framr-2919	110	7	provide	provide	VERB
framr-2919	110	8	a	a	DET
framr-2919	110	9	set	set	NOUN
framr-2919	110	10	of	of	ADP
framr-2919	110	11	outputs	output	NOUN
framr-2919	110	12	or	or	CCONJ
framr-2919	110	13	classes	class	NOUN
framr-2919	110	14	based	base	VERB
framr-2919	110	15	on	on	ADP
framr-2919	110	16	probability	probability	NOUN
framr-2919	110	17	when	when	SCONJ
framr-2919	110	18	passing	pass	VERB
framr-2919	110	19	input	input	NOUN
framr-2919	110	20	through	through	ADP
framr-2919	110	21	the	the	DET
framr-2919	110	22	prediction	prediction	NOUN
framr-2919	110	23	function	function	NOUN
framr-2919	110	24	and	and	CCONJ
framr-2919	110	25	returning	return	VERB
framr-2919	110	26	a	a	DET
framr-2919	110	27	probability	probability	NOUN
framr-2919	110	28	score	score	NOUN
framr-2919	110	29	between	between	ADP
framr-2919	110	30	0	0	NUM
framr-2919	110	31	and	and	CCONJ
framr-2919	110	32	1	1	NUM
framr-2919	110	33	.	.	X
framr-2919	111	1	logistic	logistic	ADJ
framr-2919	111	2	regression	regression	NOUN
framr-2919	111	3	becomes	become	VERB
framr-2919	111	4	a	a	DET
framr-2919	111	5	probability	probability	NOUN
framr-2919	111	6	model	model	NOUN
framr-2919	111	7	.	.	PUNCT
framr-2919	112	1	in	in	ADP
framr-2919	112	2	this	this	DET
framr-2919	112	3	paper	paper	NOUN
framr-2919	112	4	,	,	PUNCT
framr-2919	112	5	the	the	DET
framr-2919	112	6	prediction	prediction	NOUN
framr-2919	112	7	models	model	NOUN
framr-2919	112	8	creditworthiness	creditworthiness	PROPN
framr-2919	112	9	stated	state	VERB
framr-2919	112	10	as	as	ADP
framr-2919	112	11	'	'	PUNCT
framr-2919	112	12	credit	credit	NOUN
framr-2919	112	13	default	default	NOUN
framr-2919	112	14	'	'	PUNCT
framr-2919	112	15	or	or	CCONJ
framr-2919	112	16	'	'	PUNCT
framr-2919	112	17	default	default	NOUN
framr-2919	112	18	note	note	NOUN
framr-2919	112	19	.	.	PUNCT
framr-2919	112	20	'	'	PUNCT
framr-2919	113	1	the	the	DET
framr-2919	113	2	first	first	ADJ
framr-2919	113	3	-	-	PUNCT
framr-2919	113	4	class	class	NOUN
framr-2919	113	5	can	can	AUX
framr-2919	113	6	'	'	PUNCT
framr-2919	113	7	default	default	VERB
framr-2919	113	8	,	,	PUNCT
framr-2919	113	9	'	'	PUNCT
framr-2919	113	10	and	and	CCONJ
framr-2919	113	11	the	the	DET
framr-2919	113	12	logistic	logistic	ADJ
framr-2919	113	13	regression	regression	NOUN
framr-2919	113	14	model	model	NOUN
framr-2919	113	15	can	can	AUX
framr-2919	113	16	be	be	AUX
framr-2919	113	17	written	write	VERB
framr-2919	113	18	as	as	ADP
framr-2919	113	19	a	a	DET
framr-2919	113	20	possible	possible	ADJ
framr-2919	113	21	'	'	PUNCT
framr-2919	113	22	default	default	NOUN
framr-2919	113	23	'	'	PUNCT
framr-2919	113	24	or	or	CCONJ
framr-2919	113	25	p	p	X
framr-2919	113	26	(	(	PUNCT
framr-2919	113	27	creditworthiness	creditworthiness	NOUN
framr-2919	113	28	=	=	SYM
framr-2919	113	29	default|credit	default|credit	NOUN
framr-2919	113	30	-	-	PUNCT
framr-2919	113	31	score	score	NOUN
framr-2919	113	32	)	)	PUNCT
framr-2919	113	33	.	.	PUNCT
framr-2919	114	1	it	it	PRON
framr-2919	114	2	can	can	AUX
framr-2919	114	3	be	be	AUX
framr-2919	114	4	written	write	VERB
framr-2919	114	5	in	in	ADP
framr-2919	114	6	another	another	DET
framr-2919	114	7	way	way	NOUN
framr-2919	114	8	;	;	PUNCT
framr-2919	114	9	the	the	DET
framr-2919	114	10	authors	author	NOUN
framr-2919	114	11	model	model	VERB
framr-2919	114	12	the	the	DET
framr-2919	114	13	probability	probability	NOUN
framr-2919	114	14	that	that	SCONJ
framr-2919	114	15	the	the	DET
framr-2919	114	16	input	input	NOUN
framr-2919	114	17	(	(	PUNCT
framr-2919	114	18	x	x	X
framr-2919	114	19	)	)	PUNCT
framr-2919	114	20	belongs	belong	VERB
framr-2919	114	21	to	to	ADP
framr-2919	114	22	the	the	DET
framr-2919	114	23	default	default	NOUN
framr-2919	114	24	class	class	NOUN
framr-2919	114	25	(	(	PUNCT
framr-2919	114	26	y	y	NOUN
framr-2919	114	27	=	=	PROPN
framr-2919	114	28	1	1	NUM
framr-2919	114	29	)	)	PUNCT
framr-2919	114	30	;	;	PUNCT
framr-2919	114	31	hence	hence	ADV
framr-2919	114	32	the	the	DET
framr-2919	114	33	authors	author	NOUN
framr-2919	114	34	can	can	AUX
framr-2919	114	35	write	write	VERB
framr-2919	114	36	this	this	PRON
framr-2919	114	37	formally	formally	ADV
framr-2919	114	38	as	as	ADP
framr-2919	114	39	p(x	p(x	NOUN
framr-2919	114	40	)	)	PUNCT
framr-2919	114	41	=	=	PUNCT
framr-2919	114	42	p(y=1|	p(y=1|	PROPN
framr-2919	114	43	x	x	X
framr-2919	114	44	)	)	PUNCT
framr-2919	114	45	.	.	PUNCT
framr-2919	115	1	logistic	logistic	ADJ
framr-2919	115	2	regression	regression	NOUN
framr-2919	115	3	was	be	AUX
framr-2919	115	4	a	a	DET
framr-2919	115	5	binary	binary	ADJ
framr-2919	115	6	classification	classification	NOUN
framr-2919	115	7	approach	approach	NOUN
framr-2919	115	8	that	that	PRON
framr-2919	115	9	may	may	AUX
framr-2919	115	10	predict	predict	VERB
framr-2919	115	11	when	when	SCONJ
framr-2919	115	12	the	the	DET
framr-2919	115	13	item	item	NOUN
framr-2919	115	14	has	have	VERB
framr-2919	115	15	only	only	ADV
framr-2919	115	16	two	two	NUM
framr-2919	115	17	potential	potential	ADJ
framr-2919	115	18	values	value	NOUN
framr-2919	115	19	.	.	PUNCT
framr-2919	116	1	for	for	ADP
framr-2919	116	2	example	example	NOUN
framr-2919	116	3	,	,	PUNCT
framr-2919	116	4	depending	depend	VERB
framr-2919	116	5	on	on	ADP
framr-2919	116	6	age	age	NOUN
framr-2919	116	7	,	,	PUNCT
framr-2919	116	8	yearly	yearly	ADJ
framr-2919	116	9	income	income	NOUN
framr-2919	116	10	,	,	PUNCT
framr-2919	116	11	height	height	NOUN
framr-2919	116	12	,	,	PUNCT
framr-2919	116	13	weight	weight	NOUN
framr-2919	116	14	,	,	PUNCT
framr-2919	116	15	and	and	CCONJ
framr-2919	116	16	other	other	ADJ
framr-2919	116	17	factors	factor	NOUN
framr-2919	116	18	,	,	PUNCT
framr-2919	116	19	the	the	DET
framr-2919	116	20	researchers	researcher	NOUN
framr-2919	116	21	could	could	AUX
framr-2919	116	22	determine	determine	VERB
framr-2919	116	23	whether	whether	SCONJ
framr-2919	116	24	a	a	DET
framr-2919	116	25	person	person	NOUN
framr-2919	116	26	was	be	AUX
framr-2919	116	27	a	a	DET
framr-2919	116	28	male	male	ADJ
framr-2919	116	29	(	(	PUNCT
framr-2919	116	30	0	0	NUM
framr-2919	116	31	)	)	PUNCT
framr-2919	116	32	or	or	CCONJ
framr-2919	116	33	female	female	ADJ
framr-2919	116	34	(	(	PUNCT
framr-2919	116	35	1	1	NUM
framr-2919	116	36	)	)	PUNCT
framr-2919	116	37	.	.	PUNCT
framr-2919	117	1	logical	logical	ADJ
framr-2919	117	2	regression	regression	NOUN
framr-2919	117	3	was	be	AUX
framr-2919	117	4	more	more	ADV
framr-2919	117	5	straightforward	straightforward	ADJ
framr-2919	117	6	than	than	ADP
framr-2919	117	7	a	a	DET
framr-2919	117	8	neural	neural	ADJ
framr-2919	117	9	network	network	NOUN
framr-2919	117	10	.	.	PUNCT
framr-2919	118	1	artificial	artificial	ADJ
framr-2919	118	2	neural	neural	ADJ
framr-2919	118	3	networks	network	NOUN
framr-2919	118	4	have	have	AUX
framr-2919	118	5	been	be	AUX
framr-2919	118	6	widely	widely	ADV
framr-2919	118	7	used	use	VERB
framr-2919	118	8	for	for	ADP
framr-2919	118	9	the	the	DET
framr-2919	118	10	credit	credit	NOUN
framr-2919	118	11	-	-	PUNCT
framr-2919	118	12	scoring	scoring	NOUN
framr-2919	118	13	problem	problem	NOUN
framr-2919	118	14	(	(	PUNCT
framr-2919	118	15	lee	lee	PROPN
framr-2919	118	16	&	&	CCONJ
framr-2919	118	17	chen	chen	PROPN
framr-2919	118	18	,	,	PUNCT
framr-2919	118	19	2005	2005	NUM
framr-2919	118	20	;	;	PUNCT
framr-2919	118	21	west	w	ADJ
framr-2919	118	22	,	,	PUNCT
framr-2919	118	23	2000	2000	NUM
framr-2919	118	24	)	)	PUNCT
framr-2919	118	25	.	.	PUNCT
framr-2919	119	1	different	different	ADJ
framr-2919	119	2	anns	ann	NOUN
framr-2919	119	3	have	have	AUX
framr-2919	119	4	been	be	AUX
framr-2919	119	5	suggested	suggest	VERB
framr-2919	119	6	to	to	PART
framr-2919	119	7	tackle	tackle	VERB
framr-2919	119	8	the	the	DET
framr-2919	119	9	credit	credit	NOUN
framr-2919	119	10	scoring	scoring	NOUN
framr-2919	119	11	problem	problem	NOUN
framr-2919	119	12	more	more	ADV
framr-2919	119	13	recently	recently	ADV
framr-2919	119	14	.	.	PUNCT
framr-2919	120	1	in	in	ADP
framr-2919	120	2	the	the	DET
framr-2919	120	3	empirical	empirical	ADJ
framr-2919	120	4	result	result	NOUN
framr-2919	120	5	,	,	PUNCT
framr-2919	120	6	the	the	DET
framr-2919	120	7	financial	financial	ADJ
framr-2919	120	8	risk	risk	NOUN
framr-2919	120	9	and	and	CCONJ
framr-2919	120	10	management	management	NOUN
framr-2919	120	11	reviews	review	NOUN
framr-2919	120	12	,	,	PUNCT
framr-2919	120	13	2022	2022	NUM
framr-2919	120	14	,	,	PUNCT
framr-2919	120	15	8(1	8(1	NOUN
framr-2919	120	16	):	):	PUNCT
framr-2919	120	17	1	1	NUM
framr-2919	120	18	-	-	SYM
framr-2919	120	19	11	11	NUM
framr-2919	120	20	5	5	NUM
framr-2919	120	21	©	©	PROPN
framr-2919	120	22	2022	2022	NUM
framr-2919	120	23	conscientia	conscientia	PROPN
framr-2919	120	24	beam	beam	PROPN
framr-2919	120	25	.	.	PUNCT
framr-2919	121	1	all	all	DET
framr-2919	121	2	rights	right	NOUN
framr-2919	121	3	reserved	reserve	VERB
framr-2919	121	4	.	.	PUNCT
framr-2919	122	1	neural	neural	ADJ
framr-2919	122	2	networks	network	NOUN
framr-2919	122	3	achieve	achieve	VERB
framr-2919	122	4	the	the	DET
framr-2919	122	5	highest	high	ADJ
framr-2919	122	6	average	average	ADJ
framr-2919	122	7	correct	correct	ADJ
framr-2919	122	8	classification	classification	NOUN
framr-2919	122	9	rate	rate	NOUN
framr-2919	122	10	compared	compare	VERB
framr-2919	122	11	with	with	ADP
framr-2919	122	12	the	the	DET
framr-2919	122	13	lr	lr	PROPN
framr-2919	122	14	model	model	NOUN
framr-2919	122	15	,	,	PUNCT
framr-2919	122	16	considering	consider	VERB
framr-2919	122	17	that	that	SCONJ
framr-2919	122	18	results	result	NOUN
framr-2919	122	19	were	be	AUX
framr-2919	122	20	very	very	ADV
framr-2919	122	21	close	close	ADJ
framr-2919	122	22	abdou	abdou	NOUN
framr-2919	122	23	and	and	CCONJ
framr-2919	122	24	pointon	pointon	PROPN
framr-2919	122	25	(	(	PUNCT
framr-2919	122	26	2011	2011	NUM
framr-2919	122	27	)	)	PUNCT
framr-2919	122	28	.	.	PUNCT
framr-2919	123	1	when	when	SCONJ
framr-2919	123	2	a	a	DET
framr-2919	123	3	complicated	complicated	ADJ
framr-2919	123	4	nonlinear	nonlinear	ADJ
framr-2919	123	5	connection	connection	NOUN
framr-2919	123	6	between	between	ADP
framr-2919	123	7	credit	credit	NOUN
framr-2919	123	8	scoring	scoring	NOUN
framr-2919	123	9	's	's	PART
framr-2919	123	10	features	feature	NOUN
framr-2919	123	11	was	be	AUX
framr-2919	123	12	shown	show	VERB
framr-2919	123	13	,	,	PUNCT
framr-2919	123	14	the	the	DET
framr-2919	123	15	ann	ann	PROPN
framr-2919	123	16	model	model	NOUN
framr-2919	123	17	offered	offer	VERB
framr-2919	123	18	a	a	DET
framr-2919	123	19	considerable	considerable	ADJ
framr-2919	123	20	benefit	benefit	NOUN
framr-2919	123	21	;	;	PUNCT
framr-2919	123	22	according	accord	VERB
framr-2919	123	23	to	to	ADP
framr-2919	123	24	west	west	PROPN
framr-2919	123	25	(	(	PUNCT
framr-2919	123	26	2000	2000	NUM
framr-2919	123	27	)	)	PUNCT
framr-2919	123	28	and	and	CCONJ
framr-2919	123	29	hájek	hájek	NOUN
framr-2919	123	30	(	(	PUNCT
framr-2919	123	31	2011	2011	NUM
framr-2919	123	32	)	)	PUNCT
framr-2919	123	33	ann	ann	PROPN
framr-2919	123	34	and	and	CCONJ
framr-2919	123	35	lr	lr	PROPN
framr-2919	123	36	are	be	AUX
framr-2919	123	37	techniques	technique	NOUN
framr-2919	123	38	for	for	ADP
framr-2919	123	39	categorization	categorization	NOUN
framr-2919	123	40	problems	problem	NOUN
framr-2919	123	41	with	with	ADP
framr-2919	123	42	a	a	DET
framr-2919	123	43	finite	finite	ADJ
framr-2919	123	44	number	number	NOUN
framr-2919	123	45	of	of	ADP
framr-2919	123	46	options	option	NOUN
framr-2919	123	47	(	(	PUNCT
framr-2919	123	48	e.g.	e.g.	ADV
framr-2919	123	49	,	,	PUNCT
framr-2919	123	50	not	not	PART
framr-2919	123	51	a	a	DET
framr-2919	123	52	continuous	continuous	ADJ
framr-2919	123	53	value	value	NOUN
framr-2919	123	54	)	)	PUNCT
framr-2919	123	55	.	.	PUNCT
framr-2919	124	1	many	many	ADJ
framr-2919	124	2	people	people	NOUN
framr-2919	124	3	utilize	utilize	VERB
framr-2919	124	4	the	the	DET
framr-2919	124	5	sigmoid	sigmoid	NOUN
framr-2919	124	6	and	and	CCONJ
framr-2919	124	7	softmax	softmax	NOUN
framr-2919	124	8	functions	function	NOUN
framr-2919	124	9	to	to	PART
framr-2919	124	10	solve	solve	VERB
framr-2919	124	11	multiclass	multiclass	ADJ
framr-2919	124	12	-	-	PUNCT
framr-2919	124	13	classification	classification	NOUN
framr-2919	124	14	issues	issue	NOUN
framr-2919	124	15	in	in	ADP
framr-2919	124	16	logistic	logistic	ADJ
framr-2919	124	17	regression	regression	NOUN
framr-2919	124	18	.	.	PUNCT
framr-2919	125	1	the	the	DET
framr-2919	125	2	structure	structure	NOUN
framr-2919	125	3	of	of	ADP
framr-2919	125	4	neural	neural	ADJ
framr-2919	125	5	networks	network	NOUN
framr-2919	125	6	was	be	AUX
framr-2919	125	7	relatively	relatively	ADV
framr-2919	125	8	specific	specific	ADJ
framr-2919	125	9	,	,	PUNCT
framr-2919	125	10	with	with	ADP
framr-2919	125	11	one	one	NUM
framr-2919	125	12	input	input	NOUN
framr-2919	125	13	layer	layer	NOUN
framr-2919	125	14	,	,	PUNCT
framr-2919	125	15	at	at	ADV
framr-2919	125	16	least	least	ADJ
framr-2919	125	17	one	one	NUM
framr-2919	125	18	hidden	hide	VERB
framr-2919	125	19	layer	layer	NOUN
framr-2919	125	20	,	,	PUNCT
framr-2919	125	21	and	and	CCONJ
framr-2919	125	22	eventually	eventually	ADV
framr-2919	125	23	one	one	NUM
framr-2919	125	24	output	output	NOUN
framr-2919	125	25	layer	layer	NOUN
framr-2919	125	26	.	.	PUNCT
framr-2919	126	1	both	both	CCONJ
framr-2919	126	2	ann	ann	PROPN
framr-2919	126	3	and	and	CCONJ
framr-2919	126	4	lr	lr	PROPN
framr-2919	126	5	have	have	AUX
framr-2919	126	6	supervised	supervise	VERB
framr-2919	126	7	machine	machine	NOUN
framr-2919	126	8	learning	learn	VERB
framr-2919	126	9	algorithms	algorithm	NOUN
framr-2919	126	10	with	with	ADP
framr-2919	126	11	two	two	NUM
framr-2919	126	12	primary	primary	ADJ
framr-2919	126	13	goals	goal	NOUN
framr-2919	126	14	:	:	PUNCT
framr-2919	126	15	1	1	X
framr-2919	126	16	)	)	PUNCT
framr-2919	126	17	training	train	VERB
framr-2919	126	18	the	the	DET
framr-2919	126	19	model	model	NOUN
framr-2919	126	20	and	and	CCONJ
framr-2919	126	21	2	2	NUM
framr-2919	126	22	)	)	PUNCT
framr-2919	126	23	predicting	predict	VERB
framr-2919	126	24	it	it	PRON
framr-2919	126	25	.	.	PUNCT
framr-2919	127	1	both	both	DET
framr-2919	127	2	algorithms	algorithm	NOUN
framr-2919	127	3	face	face	VERB
framr-2919	127	4	the	the	DET
framr-2919	127	5	same	same	ADJ
framr-2919	127	6	challenge	challenge	NOUN
framr-2919	127	7	:	:	PUNCT
framr-2919	127	8	determining	determine	VERB
framr-2919	127	9	the	the	DET
framr-2919	127	10	optimum	optimum	ADJ
framr-2919	127	11	parameter	parameter	NOUN
framr-2919	127	12	value	value	NOUN
framr-2919	127	13	.	.	PUNCT
framr-2919	128	1	3	3	X
framr-2919	128	2	.	.	X
framr-2919	128	3	method	method	NOUN
framr-2919	128	4	in	in	ADP
framr-2919	128	5	creditworthiness	creditworthiness	PROPN
framr-2919	128	6	research	research	PROPN
framr-2919	128	7	,	,	PUNCT
framr-2919	128	8	result	result	VERB
framr-2919	128	9	prediction	prediction	NOUN
framr-2919	128	10	models	model	NOUN
framr-2919	128	11	based	base	VERB
framr-2919	128	12	on	on	ADP
framr-2919	128	13	artificial	artificial	ADJ
framr-2919	128	14	neural	neural	ADJ
framr-2919	128	15	networks	network	NOUN
framr-2919	128	16	and	and	CCONJ
framr-2919	128	17	logistic	logistic	ADJ
framr-2919	128	18	regression	regression	NOUN
framr-2919	128	19	analysis	analysis	NOUN
framr-2919	128	20	have	have	AUX
framr-2919	128	21	been	be	AUX
framr-2919	128	22	created	create	VERB
framr-2919	128	23	.	.	PUNCT
framr-2919	129	1	both	both	PRON
framr-2919	129	2	of	of	ADP
framr-2919	129	3	these	these	DET
framr-2919	129	4	strategies	strategy	NOUN
framr-2919	129	5	have	have	VERB
framr-2919	129	6	benefits	benefit	NOUN
framr-2919	129	7	and	and	CCONJ
framr-2919	129	8	drawbacks	drawback	NOUN
framr-2919	129	9	.	.	PUNCT
framr-2919	130	1	both	both	PRON
framr-2919	130	2	of	of	ADP
framr-2919	130	3	these	these	DET
framr-2919	130	4	strategies	strategy	NOUN
framr-2919	130	5	have	have	VERB
framr-2919	130	6	benefits	benefit	NOUN
framr-2919	130	7	and	and	CCONJ
framr-2919	130	8	drawbacks	drawback	NOUN
framr-2919	130	9	.	.	PUNCT
framr-2919	131	1	this	this	DET
framr-2919	131	2	study	study	NOUN
framr-2919	131	3	investigated	investigate	VERB
framr-2919	131	4	the	the	DET
framr-2919	131	5	efficacy	efficacy	NOUN
framr-2919	131	6	of	of	ADP
framr-2919	131	7	artificial	artificial	ADJ
framr-2919	131	8	neural	neural	ADJ
framr-2919	131	9	networks	network	NOUN
framr-2919	131	10	and	and	CCONJ
framr-2919	131	11	logistic	logistic	ADJ
framr-2919	131	12	regression	regression	NOUN
framr-2919	131	13	models	model	NOUN
framr-2919	131	14	in	in	ADP
framr-2919	131	15	predicting	predict	VERB
framr-2919	131	16	credit	credit	NOUN
framr-2919	131	17	default	default	NOUN
framr-2919	131	18	occurrences	occurrence	NOUN
framr-2919	131	19	in	in	ADP
framr-2919	131	20	the	the	DET
framr-2919	131	21	energy	energy	NOUN
framr-2919	131	22	efficiency	efficiency	NOUN
framr-2919	131	23	industry	industry	NOUN
framr-2919	131	24	's	's	PART
framr-2919	131	25	retrofitting	retrofitting	NOUN
framr-2919	131	26	.	.	PUNCT
framr-2919	132	1	a	a	DET
framr-2919	132	2	test	test	NOUN
framr-2919	132	3	with	with	ADP
framr-2919	132	4	a	a	DET
framr-2919	132	5	roc	roc	PROPN
framr-2919	132	6	value	value	NOUN
framr-2919	132	7	of	of	ADP
framr-2919	132	8	one	one	NUM
framr-2919	132	9	perfectly	perfectly	ADV
framr-2919	132	10	differentiates	differentiate	VERB
framr-2919	132	11	two	two	NUM
framr-2919	132	12	outcomes	outcome	NOUN
framr-2919	132	13	,	,	PUNCT
framr-2919	132	14	but	but	CCONJ
framr-2919	132	15	a	a	DET
framr-2919	132	16	test	test	NOUN
framr-2919	132	17	with	with	ADP
framr-2919	132	18	a	a	DET
framr-2919	132	19	roc	roc	PROPN
framr-2919	132	20	value	value	NOUN
framr-2919	132	21	of	of	ADP
framr-2919	132	22	0.5	0.5	NUM
framr-2919	132	23	was	be	AUX
framr-2919	132	24	entirely	entirely	ADV
framr-2919	132	25	worthless	worthless	ADJ
framr-2919	132	26	and	and	CCONJ
framr-2919	132	27	performed	perform	VERB
framr-2919	132	28	no	no	ADV
framr-2919	132	29	better	well	ADJ
framr-2919	132	30	than	than	ADP
framr-2919	132	31	chance	chance	NOUN
framr-2919	132	32	.	.	PUNCT
framr-2919	133	1	this	this	DET
framr-2919	133	2	study	study	NOUN
framr-2919	133	3	takes	take	VERB
framr-2919	133	4	the	the	DET
framr-2919	133	5	form	form	NOUN
framr-2919	133	6	of	of	ADP
framr-2919	133	7	a	a	DET
framr-2919	133	8	case	case	NOUN
framr-2919	133	9	study	study	NOUN
framr-2919	133	10	at	at	ADP
framr-2919	133	11	the	the	DET
framr-2919	133	12	esco	esco	PROPN
framr-2919	133	13	firm	firm	PROPN
framr-2919	133	14	mws	mws	PROPN
framr-2919	133	15	,	,	PUNCT
framr-2919	133	16	and	and	CCONJ
framr-2919	133	17	the	the	DET
framr-2919	133	18	authors	author	NOUN
framr-2919	133	19	employ	employ	VERB
framr-2919	133	20	a	a	DET
framr-2919	133	21	'	'	PUNCT
framr-2919	133	22	pseudo	pseudo	NOUN
framr-2919	133	23	name	name	NOUN
framr-2919	133	24	'	'	PUNCT
framr-2919	133	25	for	for	ADP
framr-2919	133	26	the	the	DET
framr-2919	133	27	company	company	NOUN
framr-2919	133	28	's	's	PART
framr-2919	133	29	name	name	NOUN
framr-2919	133	30	to	to	PART
framr-2919	133	31	safeguard	safeguard	VERB
framr-2919	133	32	an	an	DET
framr-2919	133	33	institution	institution	NOUN
framr-2919	133	34	's	's	PART
framr-2919	133	35	security	security	NOUN
framr-2919	133	36	.	.	PUNCT
framr-2919	134	1	an	an	DET
framr-2919	134	2	empirical	empirical	ADJ
framr-2919	134	3	research	research	NOUN
framr-2919	134	4	approach	approach	NOUN
framr-2919	134	5	was	be	AUX
framr-2919	134	6	applied	apply	VERB
framr-2919	134	7	in	in	ADP
framr-2919	134	8	this	this	DET
framr-2919	134	9	study	study	NOUN
framr-2919	134	10	.	.	PUNCT
framr-2919	135	1	empirical	empirical	ADJ
framr-2919	135	2	evidence	evidence	NOUN
framr-2919	135	3	can	can	AUX
framr-2919	135	4	show	show	VERB
framr-2919	135	5	the	the	DET
framr-2919	135	6	truth	truth	NOUN
framr-2919	135	7	of	of	ADP
framr-2919	135	8	a	a	DET
framr-2919	135	9	particular	particular	ADJ
framr-2919	135	10	event	event	NOUN
framr-2919	135	11	using	use	VERB
framr-2919	135	12	this	this	DET
framr-2919	135	13	technique	technique	NOUN
framr-2919	135	14	.	.	PUNCT
framr-2919	136	1	as	as	ADP
framr-2919	136	2	a	a	DET
framr-2919	136	3	result	result	NOUN
framr-2919	136	4	,	,	PUNCT
framr-2919	136	5	the	the	DET
framr-2919	136	6	core	core	NOUN
framr-2919	136	7	data	datum	NOUN
framr-2919	136	8	for	for	ADP
framr-2919	136	9	this	this	DET
framr-2919	136	10	study	study	NOUN
framr-2919	136	11	was	be	AUX
framr-2919	136	12	based	base	VERB
framr-2919	136	13	on	on	ADP
framr-2919	136	14	incident	incident	NOUN
framr-2919	136	15	data	datum	NOUN
framr-2919	136	16	from	from	ADP
framr-2919	136	17	mws	mws	NOUN
framr-2919	136	18	's	's	PART
framr-2919	136	19	business	business	NOUN
framr-2919	136	20	database	database	NOUN
framr-2919	136	21	.	.	PUNCT
framr-2919	137	1	the	the	DET
framr-2919	137	2	research	research	NOUN
framr-2919	137	3	focuses	focus	VERB
framr-2919	137	4	on	on	ADP
framr-2919	137	5	mws	mws	NOUN
framr-2919	137	6	adopting	adopt	VERB
framr-2919	137	7	retrofitting	retrofitting	NOUN
framr-2919	137	8	practices	practice	NOUN
framr-2919	137	9	with	with	ADP
framr-2919	137	10	their	their	PRON
framr-2919	137	11	own	own	ADJ
framr-2919	137	12	esco	esco	PROPN
framr-2919	137	13	model	model	NOUN
framr-2919	137	14	on	on	ADP
framr-2919	137	15	energy	energy	NOUN
framr-2919	137	16	management	management	NOUN
framr-2919	137	17	or	or	CCONJ
framr-2919	137	18	conservative	conservative	ADJ
framr-2919	137	19	energy	energy	NOUN
framr-2919	137	20	projects	project	NOUN
framr-2919	137	21	or	or	CCONJ
framr-2919	137	22	activities	activity	NOUN
framr-2919	137	23	.	.	PUNCT
framr-2919	138	1	mws	mws	PROPN
framr-2919	138	2	was	be	AUX
framr-2919	138	3	intended	intend	VERB
framr-2919	138	4	to	to	PART
framr-2919	138	5	introduce	introduce	VERB
framr-2919	138	6	the	the	DET
framr-2919	138	7	latest	late	ADJ
framr-2919	138	8	pss	pss	PROPN
framr-2919	138	9	model	model	NOUN
framr-2919	138	10	in	in	ADP
framr-2919	138	11	their	their	PRON
framr-2919	138	12	own	own	ADJ
framr-2919	138	13	esco	esco	PROPN
framr-2919	138	14	model	model	NOUN
framr-2919	138	15	with	with	ADP
framr-2919	138	16	their	their	PRON
framr-2919	138	17	capital	capital	NOUN
framr-2919	138	18	in	in	ADP
framr-2919	138	19	indonesia	indonesia	PROPN
framr-2919	138	20	.	.	PUNCT
framr-2919	139	1	mws	mws	PROPN
framr-2919	139	2	conducts	conduct	VERB
framr-2919	139	3	simple	simple	ADJ
framr-2919	139	4	financial	financial	ADJ
framr-2919	139	5	analysis	analysis	NOUN
framr-2919	139	6	to	to	ADP
framr-2919	139	7	finance	finance	NOUN
framr-2919	139	8	retrofitting	retrofitting	NOUN
framr-2919	139	9	projects	project	NOUN
framr-2919	139	10	to	to	PART
framr-2919	139	11	determine	determine	VERB
framr-2919	139	12	the	the	DET
framr-2919	139	13	appropriate	appropriate	ADJ
framr-2919	139	14	project	project	NOUN
framr-2919	139	15	's	's	PART
framr-2919	139	16	value	value	NOUN
framr-2919	139	17	,	,	PUNCT
framr-2919	139	18	risk	risk	NOUN
framr-2919	139	19	,	,	PUNCT
framr-2919	139	20	and	and	CCONJ
framr-2919	139	21	liquidity	liquidity	NOUN
framr-2919	139	22	effects	effect	NOUN
framr-2919	139	23	.	.	PUNCT
framr-2919	140	1	energy	energy	NOUN
framr-2919	140	2	efficiency	efficiency	NOUN
framr-2919	140	3	projects	project	NOUN
framr-2919	140	4	need	need	VERB
framr-2919	140	5	to	to	PART
framr-2919	140	6	be	be	AUX
framr-2919	140	7	considered	consider	VERB
framr-2919	140	8	on	on	ADP
framr-2919	140	9	par	par	NOUN
framr-2919	140	10	with	with	ADP
framr-2919	140	11	others	other	NOUN
framr-2919	140	12	to	to	PART
framr-2919	140	13	succeed	succeed	VERB
framr-2919	140	14	.	.	PUNCT
framr-2919	141	1	mws	mws	PROPN
framr-2919	141	2	uses	use	VERB
framr-2919	141	3	financial	financial	ADJ
framr-2919	141	4	analysis	analysis	NOUN
framr-2919	141	5	to	to	PART
framr-2919	141	6	assess	assess	VERB
framr-2919	141	7	whether	whether	SCONJ
framr-2919	141	8	investments	investment	NOUN
framr-2919	141	9	generate	generate	VERB
framr-2919	141	10	reasonable	reasonable	ADJ
framr-2919	141	11	returns	return	NOUN
framr-2919	141	12	while	while	SCONJ
framr-2919	141	13	not	not	PART
framr-2919	141	14	damaging	damage	VERB
framr-2919	141	15	the	the	DET
framr-2919	141	16	consumer	consumer	NOUN
framr-2919	141	17	base	base	NOUN
framr-2919	141	18	.	.	PUNCT
framr-2919	142	1	this	this	DET
framr-2919	142	2	research	research	NOUN
framr-2919	142	3	was	be	AUX
framr-2919	142	4	conducted	conduct	VERB
framr-2919	142	5	intensively	intensively	ADV
framr-2919	142	6	from	from	ADP
framr-2919	142	7	july	july	PROPN
framr-2919	142	8	2020	2020	NUM
framr-2919	142	9	to	to	ADP
framr-2919	142	10	june	june	PROPN
framr-2919	142	11	2021	2021	NUM
framr-2919	142	12	.	.	PUNCT
framr-2919	143	1	activities	activity	NOUN
framr-2919	143	2	include	include	VERB
framr-2919	143	3	research	research	NOUN
framr-2919	143	4	preparation	preparation	NOUN
framr-2919	143	5	,	,	PUNCT
framr-2919	143	6	data	data	NOUN
framr-2919	143	7	collection	collection	NOUN
framr-2919	143	8	,	,	PUNCT
framr-2919	143	9	data	data	VERB
framr-2919	143	10	analysis	analysis	NOUN
framr-2919	143	11	process	process	NOUN
framr-2919	143	12	,	,	PUNCT
framr-2919	143	13	and	and	CCONJ
framr-2919	143	14	reporting	reporting	NOUN
framr-2919	143	15	of	of	ADP
framr-2919	143	16	research	research	NOUN
framr-2919	143	17	results	result	NOUN
framr-2919	143	18	in	in	ADP
framr-2919	143	19	research	research	NOUN
framr-2919	143	20	conducted	conduct	VERB
framr-2919	143	21	in	in	ADP
framr-2919	143	22	jakarta	jakarta	PROPN
framr-2919	143	23	and	and	CCONJ
framr-2919	143	24	bekasi	bekasi	PROPN
framr-2919	143	25	.	.	PUNCT
framr-2919	144	1	the	the	DET
framr-2919	144	2	implementation	implementation	NOUN
framr-2919	144	3	of	of	ADP
framr-2919	144	4	the	the	DET
framr-2919	144	5	research	research	NOUN
framr-2919	144	6	begins	begin	VERB
framr-2919	144	7	with	with	ADP
framr-2919	144	8	the	the	DET
framr-2919	144	9	collection	collection	NOUN
framr-2919	144	10	of	of	ADP
framr-2919	144	11	data	datum	NOUN
framr-2919	144	12	until	until	SCONJ
framr-2919	144	13	the	the	DET
framr-2919	144	14	final	final	ADJ
framr-2919	144	15	report	report	NOUN
framr-2919	144	16	of	of	ADP
framr-2919	144	17	the	the	DET
framr-2919	144	18	research	research	NOUN
framr-2919	144	19	takes	take	VERB
framr-2919	144	20	±	±	NUM
framr-2919	144	21	ten	ten	NUM
framr-2919	144	22	weeks	week	NOUN
framr-2919	144	23	.	.	PUNCT
framr-2919	145	1	customer	customer	NOUN
framr-2919	145	2	's	's	PART
framr-2919	145	3	creditworthiness	creditworthiness	NOUN
framr-2919	145	4	and	and	CCONJ
framr-2919	145	5	retrofitting	retrofit	VERB
framr-2919	145	6	default	default	NOUN
framr-2919	145	7	risks	risk	NOUN
framr-2919	145	8	were	be	AUX
framr-2919	145	9	becoming	become	VERB
framr-2919	145	10	more	more	ADV
framr-2919	145	11	crucial	crucial	ADJ
framr-2919	145	12	for	for	ADP
framr-2919	145	13	esco	esco	PROPN
framr-2919	145	14	.	.	PROPN
framr-2919	146	1	therefore	therefore	ADV
framr-2919	146	2	,	,	PUNCT
framr-2919	146	3	upon	upon	SCONJ
framr-2919	146	4	lcc	lcc	PROPN
framr-2919	146	5	analysis	analysis	NOUN
framr-2919	146	6	,	,	PUNCT
framr-2919	146	7	mws	mws	PROPN
framr-2919	146	8	was	be	AUX
framr-2919	146	9	conducted	conduct	VERB
framr-2919	146	10	to	to	PART
framr-2919	146	11	assess	assess	VERB
framr-2919	146	12	the	the	DET
framr-2919	146	13	cooperative	cooperative	NOUN
framr-2919	146	14	's	's	PART
framr-2919	146	15	causal	causal	ADJ
framr-2919	146	16	relationship	relationship	NOUN
framr-2919	146	17	by	by	ADP
framr-2919	146	18	using	use	VERB
framr-2919	146	19	the	the	DET
framr-2919	146	20	characteristics	characteristic	NOUN
framr-2919	146	21	of	of	ADP
framr-2919	146	22	problems	problem	NOUN
framr-2919	146	23	in	in	ADP
framr-2919	146	24	causal	causal	ADJ
framr-2919	146	25	relationships	relationship	NOUN
framr-2919	146	26	between	between	ADP
framr-2919	146	27	creditworthiness	creditworthiness	NOUN
framr-2919	146	28	variables	variable	NOUN
framr-2919	146	29	and	and	CCONJ
framr-2919	146	30	other	other	ADJ
framr-2919	146	31	variables	variable	NOUN
framr-2919	146	32	.	.	PUNCT
framr-2919	147	1	dependent	dependent	ADJ
framr-2919	147	2	variables	variable	NOUN
framr-2919	147	3	were	be	AUX
framr-2919	147	4	retrofitting	retrofit	VERB
framr-2919	147	5	feasibility	feasibility	NOUN
framr-2919	147	6	,	,	PUNCT
framr-2919	147	7	i.e.	i.e.	ADV
framr-2919	147	8	,	,	PUNCT
framr-2919	147	9	rejected	reject	VERB
framr-2919	147	10	project	project	NOUN
framr-2919	147	11	or	or	CCONJ
framr-2919	147	12	accepted	accept	VERB
framr-2919	147	13	project	project	NOUN
framr-2919	147	14	.	.	PUNCT
framr-2919	148	1	the	the	DET
framr-2919	148	2	independent	independent	ADJ
framr-2919	148	3	variables	variable	NOUN
framr-2919	148	4	,	,	PUNCT
framr-2919	148	5	namely	namely	ADV
framr-2919	148	6	initial	initial	ADJ
framr-2919	148	7	upfront	upfront	ADJ
framr-2919	148	8	investment	investment	NOUN
framr-2919	148	9	,	,	PUNCT
framr-2919	148	10	revenue	revenue	NOUN
framr-2919	148	11	factors	factor	NOUN
framr-2919	148	12	,	,	PUNCT
framr-2919	148	13	additional	additional	ADJ
framr-2919	148	14	revenue	revenue	NOUN
framr-2919	148	15	factors	factor	NOUN
framr-2919	148	16	,	,	PUNCT
framr-2919	148	17	payback	payback	NOUN
framr-2919	148	18	period	period	NOUN
framr-2919	148	19	,	,	PUNCT
framr-2919	148	20	investment	investment	NOUN
framr-2919	148	21	returns	return	NOUN
framr-2919	148	22	,	,	PUNCT
framr-2919	148	23	and	and	CCONJ
framr-2919	148	24	customer	customer	NOUN
framr-2919	148	25	characteristics	characteristic	NOUN
framr-2919	148	26	,	,	PUNCT
framr-2919	148	27	were	be	AUX
framr-2919	148	28	the	the	DET
framr-2919	148	29	most	most	ADV
framr-2919	148	30	significant	significant	ADJ
framr-2919	148	31	factors	factor	NOUN
framr-2919	148	32	that	that	PRON
framr-2919	148	33	need	need	VERB
framr-2919	148	34	to	to	PART
framr-2919	148	35	consider	consider	VERB
framr-2919	148	36	;	;	PUNCT
framr-2919	148	37	see	see	VERB
framr-2919	148	38	table	table	NOUN
framr-2919	148	39	2	2	NUM
framr-2919	148	40	.	.	PUNCT
framr-2919	149	1	the	the	DET
framr-2919	149	2	process	process	NOUN
framr-2919	149	3	of	of	ADP
framr-2919	149	4	developing	develop	VERB
framr-2919	149	5	the	the	DET
framr-2919	149	6	predictive	predictive	ADJ
framr-2919	149	7	model	model	NOUN
framr-2919	149	8	includes	include	VERB
framr-2919	149	9	data	datum	NOUN
framr-2919	149	10	access	access	NOUN
framr-2919	149	11	,	,	PUNCT
framr-2919	149	12	data	datum	NOUN
framr-2919	149	13	preparation	preparation	NOUN
framr-2919	149	14	,	,	PUNCT
framr-2919	149	15	development	development	NOUN
framr-2919	149	16	of	of	ADP
framr-2919	149	17	a	a	DET
framr-2919	149	18	training	training	NOUN
framr-2919	149	19	set	set	NOUN
framr-2919	149	20	,	,	PUNCT
framr-2919	149	21	selection	selection	NOUN
framr-2919	149	22	of	of	ADP
framr-2919	149	23	an	an	DET
framr-2919	149	24	algorithm	algorithm	NOUN
framr-2919	149	25	,	,	PUNCT
framr-2919	149	26	training	train	VERB
framr-2919	149	27	the	the	DET
framr-2919	149	28	model	model	NOUN
framr-2919	149	29	,	,	PUNCT
framr-2919	149	30	the	the	DET
framr-2919	149	31	model	model	NOUN
framr-2919	149	32	testing	testing	NOUN
framr-2919	149	33	,	,	PUNCT
framr-2919	149	34	valuation	valuation	NOUN
framr-2919	149	35	of	of	ADP
framr-2919	149	36	the	the	DET
framr-2919	149	37	model	model	NOUN
framr-2919	149	38	,	,	PUNCT
framr-2919	149	39	and	and	CCONJ
framr-2919	149	40	implementation	implementation	NOUN
framr-2919	149	41	.	.	PUNCT
framr-2919	150	1	the	the	DET
framr-2919	150	2	simulation	simulation	NOUN
framr-2919	150	3	runs	run	NOUN
framr-2919	150	4	were	be	AUX
framr-2919	150	5	repeated	repeat	VERB
framr-2919	150	6	several	several	ADJ
framr-2919	150	7	times	time	NOUN
framr-2919	150	8	with	with	ADP
framr-2919	150	9	different	different	ADJ
framr-2919	150	10	configurations	configuration	NOUN
framr-2919	150	11	to	to	PART
framr-2919	150	12	improve	improve	VERB
framr-2919	150	13	results	result	NOUN
framr-2919	150	14	.	.	PUNCT
framr-2919	151	1	the	the	DET
framr-2919	151	2	visualization	visualization	NOUN
framr-2919	151	3	of	of	ADP
framr-2919	151	4	the	the	DET
framr-2919	151	5	findings	finding	NOUN
framr-2919	151	6	can	can	AUX
framr-2919	151	7	be	be	AUX
framr-2919	151	8	achieved	achieve	VERB
framr-2919	151	9	in	in	ADP
framr-2919	151	10	a	a	DET
framr-2919	151	11	variety	variety	NOUN
framr-2919	151	12	of	of	ADP
framr-2919	151	13	ways	way	NOUN
framr-2919	151	14	.	.	PUNCT
framr-2919	152	1	a	a	DET
framr-2919	152	2	logistic	logistic	ADJ
framr-2919	152	3	regression	regression	NOUN
framr-2919	152	4	and	and	CCONJ
framr-2919	152	5	artificial	artificial	ADJ
framr-2919	152	6	neural	neural	ADJ
framr-2919	152	7	networks	network	NOUN
framr-2919	152	8	using	use	VERB
framr-2919	152	9	ml	ml	PART
framr-2919	152	10	have	have	AUX
framr-2919	152	11	been	be	AUX
framr-2919	152	12	done	do	VERB
framr-2919	152	13	.	.	PUNCT
framr-2919	153	1	the	the	DET
framr-2919	153	2	data	data	NOUN
framr-2919	153	3	analysis	analysis	NOUN
framr-2919	153	4	approach	approach	NOUN
framr-2919	153	5	was	be	AUX
framr-2919	153	6	a	a	DET
framr-2919	153	7	credit	credit	NOUN
framr-2919	153	8	score	score	NOUN
framr-2919	153	9	prediction	prediction	NOUN
framr-2919	153	10	model	model	NOUN
framr-2919	153	11	using	use	VERB
framr-2919	153	12	machine	machine	NOUN
framr-2919	153	13	learning	learn	VERB
framr-2919	153	14	to	to	PART
framr-2919	153	15	choose	choose	VERB
framr-2919	153	16	the	the	DET
framr-2919	153	17	appropriate	appropriate	ADJ
framr-2919	153	18	model	model	NOUN
framr-2919	153	19	in	in	ADP
framr-2919	153	20	this	this	DET
framr-2919	153	21	research	research	NOUN
framr-2919	153	22	.	.	PUNCT
framr-2919	154	1	in	in	ADP
framr-2919	154	2	this	this	DET
framr-2919	154	3	research	research	NOUN
framr-2919	154	4	,	,	PUNCT
framr-2919	154	5	a	a	DET
framr-2919	154	6	definitive	definitive	ADJ
framr-2919	154	7	inference	inference	NOUN
framr-2919	154	8	test	test	NOUN
framr-2919	154	9	,	,	PUNCT
framr-2919	154	10	in	in	ADP
framr-2919	154	11	addition	addition	NOUN
framr-2919	154	12	to	to	ADP
framr-2919	154	13	hypothesis	hypothesis	NOUN
framr-2919	154	14	testing	testing	NOUN
framr-2919	154	15	,	,	PUNCT
framr-2919	154	16	was	be	AUX
framr-2919	154	17	also	also	ADV
framr-2919	154	18	conducted	conduct	VERB
framr-2919	154	19	.	.	PUNCT
framr-2919	155	1	the	the	DET
framr-2919	155	2	research	research	NOUN
framr-2919	155	3	looked	look	VERB
framr-2919	155	4	at	at	ADP
framr-2919	155	5	the	the	DET
framr-2919	155	6	relationship	relationship	NOUN
framr-2919	155	7	between	between	ADP
framr-2919	155	8	independent	independent	ADJ
framr-2919	155	9	and	and	CCONJ
framr-2919	155	10	dependent	dependent	ADJ
framr-2919	155	11	variables	variable	NOUN
framr-2919	155	12	.	.	PUNCT
framr-2919	156	1	the	the	DET
framr-2919	156	2	frame	frame	NOUN
framr-2919	156	3	of	of	ADP
framr-2919	156	4	mind	mind	NOUN
framr-2919	156	5	of	of	ADP
framr-2919	156	6	this	this	DET
framr-2919	156	7	research	research	NOUN
framr-2919	156	8	can	can	AUX
framr-2919	156	9	be	be	AUX
framr-2919	156	10	explained	explain	VERB
framr-2919	156	11	in	in	ADP
framr-2919	156	12	four	four	NUM
framr-2919	156	13	parts	part	NOUN
framr-2919	156	14	,	,	PUNCT
framr-2919	156	15	namely	namely	ADV
framr-2919	156	16	identifying	identify	VERB
framr-2919	156	17	research	research	NOUN
framr-2919	156	18	and	and	CCONJ
framr-2919	156	19	research	research	NOUN
framr-2919	156	20	-	-	PUNCT
framr-2919	156	21	gap	gap	NOUN
framr-2919	156	22	problems	problem	NOUN
framr-2919	156	23	in	in	ADP
framr-2919	156	24	the	the	DET
framr-2919	156	25	1st	1st	ADJ
framr-2919	156	26	stage	stage	NOUN
framr-2919	156	27	;	;	PUNCT
framr-2919	156	28	financial	financial	ADJ
framr-2919	156	29	risk	risk	NOUN
framr-2919	156	30	and	and	CCONJ
framr-2919	156	31	management	management	NOUN
framr-2919	156	32	reviews	review	NOUN
framr-2919	156	33	,	,	PUNCT
framr-2919	156	34	2022	2022	NUM
framr-2919	156	35	,	,	PUNCT
framr-2919	156	36	8(1	8(1	NOUN
framr-2919	156	37	):	):	PUNCT
framr-2919	156	38	1	1	NUM
framr-2919	156	39	-	-	SYM
framr-2919	156	40	11	11	NUM
framr-2919	156	41	6	6	NUM
framr-2919	156	42	©	©	PROPN
framr-2919	156	43	2022	2022	NUM
framr-2919	156	44	conscientia	conscientia	PROPN
framr-2919	156	45	beam	beam	PROPN
framr-2919	156	46	.	.	PUNCT
framr-2919	157	1	all	all	DET
framr-2919	157	2	rights	right	NOUN
framr-2919	157	3	reserved	reserve	VERB
framr-2919	157	4	.	.	PUNCT
framr-2919	158	1	analysis	analysis	NOUN
framr-2919	158	2	of	of	ADP
framr-2919	158	3	the	the	DET
framr-2919	158	4	causative	causative	ADJ
framr-2919	158	5	factors	factor	NOUN
framr-2919	158	6	/	/	SYM
framr-2919	158	7	impact	impact	NOUN
framr-2919	158	8	in	in	ADP
framr-2919	158	9	stage	stage	NOUN
framr-2919	158	10	2	2	NUM
framr-2919	158	11	;	;	PUNCT
framr-2919	158	12	and	and	CCONJ
framr-2919	158	13	problem	problem	VERB
framr-2919	158	14	mapping	mapping	NOUN
framr-2919	158	15	with	with	ADP
framr-2919	158	16	theoretical	theoretical	ADJ
framr-2919	158	17	models	model	NOUN
framr-2919	158	18	and	and	CCONJ
framr-2919	158	19	discussion	discussion	NOUN
framr-2919	158	20	of	of	ADP
framr-2919	158	21	results	result	NOUN
framr-2919	158	22	analysis	analysis	NOUN
framr-2919	158	23	in	in	ADP
framr-2919	158	24	the	the	DET
framr-2919	158	25	third	third	ADJ
framr-2919	158	26	and	and	CCONJ
framr-2919	158	27	fourth	fourth	ADJ
framr-2919	158	28	stages	stage	NOUN
framr-2919	158	29	.	.	PUNCT
framr-2919	159	1	table	table	NOUN
framr-2919	159	2	2	2	NUM
framr-2919	159	3	.	.	PUNCT
framr-2919	160	1	variable	variable	ADJ
framr-2919	160	2	,	,	PUNCT
framr-2919	160	3	membership	membership	NOUN
framr-2919	160	4	function	function	NOUN
framr-2919	160	5	dan	dan	PROPN
framr-2919	160	6	range	range	PROPN
framr-2919	160	7	.	.	PUNCT
framr-2919	161	1	no	no	DET
framr-2919	161	2	aspect	aspect	NOUN
framr-2919	161	3	input	input	NOUN
framr-2919	161	4	variable	variable	ADJ
framr-2919	161	5	membership	membership	NOUN
framr-2919	161	6	function	function	NOUN
framr-2919	161	7	range	range	VERB
framr-2919	161	8	1	1	NUM
framr-2919	161	9	project	project	NOUN
framr-2919	161	10	agreement	agreement	NOUN
framr-2919	161	11	agreement	agreement	NOUN
framr-2919	161	12	type	type	NOUN
framr-2919	161	13	esa	esa	PROPN
framr-2919	161	14	&	&	CCONJ
framr-2919	161	15	espc	espc	PROPN
framr-2919	161	16	esa	esa	PROPN
framr-2919	161	17	=	=	PROPN
framr-2919	161	18	0.8	0.8	NUM
framr-2919	161	19	1.0	1.0	NUM
framr-2919	161	20	espc	espc	NOUN
framr-2919	161	21	=	=	SYM
framr-2919	161	22	0.5	0.5	NUM
framr-2919	161	23	0.7	0.7	NUM
framr-2919	161	24	2	2	NUM
framr-2919	161	25	upfront	upfront	ADJ
framr-2919	161	26	investment	investment	NOUN
framr-2919	161	27	tolerance	tolerance	NOUN
framr-2919	161	28	factors	factor	VERB
framr-2919	161	29	high	high	ADJ
framr-2919	161	30	risk	risk	NOUN
framr-2919	161	31	,	,	PUNCT
framr-2919	161	32	medium	medium	ADJ
framr-2919	161	33	&	&	CCONJ
framr-2919	161	34	low	low	ADJ
framr-2919	161	35	risk	risk	NOUN
framr-2919	161	36	high	high	ADJ
framr-2919	161	37	risk	risk	NOUN
framr-2919	161	38	:	:	PUNCT
framr-2919	161	39	tolerance	tolerance	NOUN
framr-2919	161	40	>	>	SYM
framr-2919	161	41	1.5bio	1.5bio	NUM
framr-2919	161	42	medium	medium	ADJ
framr-2919	161	43	risk	risk	NOUN
framr-2919	161	44	:	:	PUNCT
framr-2919	161	45	tolerance	tolerance	NOUN
framr-2919	161	46	>	>	PUNCT
framr-2919	161	47	750mio	750mio	NUM
framr-2919	161	48	&	&	CCONJ
framr-2919	161	49	<	<	X
framr-2919	161	50	=	=	ADJ
framr-2919	161	51	1.5bio	1.5bio	NUM
framr-2919	161	52	low	low	ADJ
framr-2919	161	53	risk	risk	NOUN
framr-2919	161	54	:	:	PUNCT
framr-2919	161	55	tolerance	tolerance	NOUN
framr-2919	161	56	<	<	X
framr-2919	161	57	=	=	NOUN
framr-2919	161	58	750mio	750mio	SYM
framr-2919	161	59	3	3	NUM
framr-2919	161	60	revenue	revenue	NOUN
framr-2919	161	61	factors	factor	NOUN
framr-2919	161	62	project	project	VERB
framr-2919	161	63	margin	margin	NOUN
framr-2919	161	64	high	high	ADJ
framr-2919	161	65	,	,	PUNCT
framr-2919	161	66	medium	medium	ADJ
framr-2919	161	67	&	&	CCONJ
framr-2919	161	68	low	low	ADJ
framr-2919	161	69	high	high	ADJ
framr-2919	161	70	:	:	PUNCT
framr-2919	161	71	margin	margin	NOUN
framr-2919	161	72	>	>	SYM
framr-2919	161	73	30	30	NUM
framr-2919	161	74	%	%	NOUN
framr-2919	161	75	medium	medium	NOUN
framr-2919	161	76	:	:	PUNCT
framr-2919	161	77	margin	margin	NOUN
framr-2919	161	78	10	10	NUM
framr-2919	161	79	30	30	NUM
framr-2919	161	80	%	%	NOUN
framr-2919	161	81	low	low	ADJ
framr-2919	161	82	:	:	PUNCT
framr-2919	161	83	margin	margin	NOUN
framr-2919	161	84	>	>	X
framr-2919	161	85	10	10	NUM
framr-2919	161	86	%	%	NOUN
framr-2919	161	87	4	4	NUM
framr-2919	161	88	additional	additional	ADJ
framr-2919	161	89	revenue	revenue	NOUN
framr-2919	161	90	factors	factor	NOUN
framr-2919	161	91	interest	interest	NOUN
framr-2919	161	92	loan	loan	NOUN
framr-2919	161	93	high	high	ADJ
framr-2919	161	94	,	,	PUNCT
framr-2919	161	95	medium	medium	ADJ
framr-2919	161	96	&	&	CCONJ
framr-2919	161	97	low	low	ADJ
framr-2919	161	98	high	high	ADJ
framr-2919	161	99	:	:	PUNCT
framr-2919	161	100	interest	interest	NOUN
framr-2919	161	101	loan	loan	NOUN
framr-2919	161	102	>	>	PUNCT
framr-2919	161	103	time	time	NOUN
framr-2919	161	104	deposit	deposit	NOUN
framr-2919	161	105	rate	rate	NOUN
framr-2919	161	106	medium	medium	NOUN
framr-2919	161	107	:	:	PUNCT
framr-2919	161	108	interest	interest	NOUN
framr-2919	161	109	loan	loan	NOUN
framr-2919	161	110	=	=	PUNCT
framr-2919	161	111	time	time	NOUN
framr-2919	161	112	deposit	deposit	NOUN
framr-2919	161	113	rate	rate	NOUN
framr-2919	161	114	low	low	ADJ
framr-2919	161	115	:	:	PUNCT
framr-2919	161	116	interest	interest	NOUN
framr-2919	161	117	loan	loan	NOUN
framr-2919	161	118	<	<	X
framr-2919	161	119	time	time	NOUN
framr-2919	161	120	deposit	deposit	NOUN
framr-2919	161	121	rate	rate	NOUN
framr-2919	161	122	5	5	NUM
framr-2919	161	123	payback	payback	NOUN
framr-2919	161	124	period	period	NOUN
framr-2919	161	125	payback	payback	NOUN
framr-2919	161	126	years	year	NOUN
framr-2919	161	127	high	high	ADJ
framr-2919	161	128	risk	risk	NOUN
framr-2919	161	129	,	,	PUNCT
framr-2919	161	130	medium	medium	ADJ
framr-2919	161	131	&	&	CCONJ
framr-2919	161	132	low	low	ADJ
framr-2919	161	133	risk	risk	NOUN
framr-2919	161	134	high	high	ADJ
framr-2919	161	135	risk	risk	NOUN
framr-2919	161	136	:	:	PUNCT
framr-2919	161	137	years	year	NOUN
framr-2919	161	138	>	>	X
framr-2919	161	139	3years	3years	NUM
framr-2919	161	140	medium	medium	ADJ
framr-2919	161	141	risk	risk	NOUN
framr-2919	161	142	:	:	PUNCT
framr-2919	161	143	1	1	NUM
framr-2919	161	144	3	3	NUM
framr-2919	161	145	years	year	NOUN
framr-2919	161	146	low	low	ADJ
framr-2919	161	147	risk	risk	NOUN
framr-2919	161	148	:	:	PUNCT
framr-2919	161	149	years	year	NOUN
framr-2919	161	150	<	<	X
framr-2919	161	151	=	=	SYM
framr-2919	161	152	1	1	NUM
framr-2919	161	153	6	6	NUM
framr-2919	161	154	investment	investment	NOUN
framr-2919	161	155	return	return	NOUN
framr-2919	161	156	npv	npv	NOUN
framr-2919	161	157	high	high	ADJ
framr-2919	161	158	,	,	PUNCT
framr-2919	161	159	medium	medium	ADJ
framr-2919	161	160	&	&	CCONJ
framr-2919	161	161	low	low	ADJ
framr-2919	161	162	high	high	ADJ
framr-2919	161	163	:	:	PUNCT
framr-2919	161	164	npv	npv	NOUN
framr-2919	161	165	>	>	SYM
framr-2919	161	166	30	30	NUM
framr-2919	161	167	%	%	NOUN
framr-2919	161	168	of	of	ADP
framr-2919	161	169	upfront	upfront	ADJ
framr-2919	161	170	investment	investment	NOUN
framr-2919	161	171	medium	medium	NOUN
framr-2919	161	172	:	:	PUNCT
framr-2919	161	173	npv	npv	NOUN
framr-2919	161	174	~	~	PUNCT
framr-2919	161	175	10%-30	10%-30	NUM
framr-2919	161	176	%	%	NOUN
framr-2919	161	177	of	of	ADP
framr-2919	161	178	upfront	upfront	ADJ
framr-2919	161	179	investment	investment	NOUN
framr-2919	161	180	low	low	ADJ
framr-2919	161	181	:	:	PUNCT
framr-2919	161	182	npv	npv	NOUN
framr-2919	161	183	<	<	X
framr-2919	161	184	10	10	NUM
framr-2919	161	185	%	%	NOUN
framr-2919	161	186	of	of	ADP
framr-2919	161	187	upfront	upfront	ADJ
framr-2919	161	188	investment	investment	NOUN
framr-2919	161	189	7	7	NUM
framr-2919	161	190	customer	customer	NOUN
framr-2919	161	191	type	type	NOUN
framr-2919	161	192	of	of	ADP
framr-2919	161	193	customer	customer	NOUN
framr-2919	161	194	high	high	ADJ
framr-2919	161	195	risk	risk	NOUN
framr-2919	161	196	,	,	PUNCT
framr-2919	161	197	medium	medium	ADJ
framr-2919	161	198	&	&	CCONJ
framr-2919	161	199	low	low	ADJ
framr-2919	161	200	risk	risk	NOUN
framr-2919	161	201	high	high	ADJ
framr-2919	161	202	risk	risk	NOUN
framr-2919	161	203	=	=	NOUN
framr-2919	161	204	1	1	NUM
framr-2919	161	205	medium=	medium=	NUM
framr-2919	161	206	0.5	0.5	NUM
framr-2919	161	207	1	1	NUM
framr-2919	161	208	low	low	ADJ
framr-2919	161	209	risk	risk	NOUN
framr-2919	161	210	=	=	NOUN
framr-2919	161	211	0.2	0.2	NUM
framr-2919	161	212	0.5	0.5	NUM
framr-2919	161	213	4	4	NUM
framr-2919	161	214	.	.	PUNCT
framr-2919	161	215	results	result	VERB
framr-2919	161	216	4.1	4.1	NUM
framr-2919	161	217	.	.	PUNCT
framr-2919	162	1	performance	performance	NOUN
framr-2919	162	2	evaluation	evaluation	NOUN
framr-2919	162	3	criteria	criterion	NOUN
framr-2919	162	4	the	the	DET
framr-2919	162	5	confusion	confusion	NOUN
framr-2919	162	6	matrix	matrix	NOUN
framr-2919	162	7	offered	offer	VERB
framr-2919	162	8	data	datum	NOUN
framr-2919	162	9	for	for	ADP
framr-2919	162	10	comparing	compare	VERB
framr-2919	162	11	the	the	DET
framr-2919	162	12	system	system	NOUN
framr-2919	162	13	's	's	PART
framr-2919	162	14	(	(	PUNCT
framr-2919	162	15	model	model	NOUN
framr-2919	162	16	)	)	PUNCT
framr-2919	162	17	classification	classification	NOUN
framr-2919	162	18	results	result	NOUN
framr-2919	162	19	to	to	ADP
framr-2919	162	20	the	the	DET
framr-2919	162	21	actual	actual	ADJ
framr-2919	162	22	classification	classification	NOUN
framr-2919	162	23	results	result	NOUN
framr-2919	162	24	.	.	PUNCT
framr-2919	163	1	the	the	DET
framr-2919	163	2	error	error	NOUN
framr-2919	163	3	matrix	matrix	NOUN
framr-2919	163	4	was	be	AUX
framr-2919	163	5	another	another	DET
framr-2919	163	6	name	name	NOUN
framr-2919	163	7	for	for	ADP
framr-2919	163	8	the	the	DET
framr-2919	163	9	confusion	confusion	NOUN
framr-2919	163	10	matrix	matrix	NOUN
framr-2919	163	11	.	.	PUNCT
framr-2919	164	1	the	the	DET
framr-2919	164	2	confusion	confusion	NOUN
framr-2919	164	3	matrix	matrix	NOUN
framr-2919	164	4	was	be	AUX
framr-2919	164	5	a	a	DET
framr-2919	164	6	matrix	matrix	NOUN
framr-2919	164	7	table	table	NOUN
framr-2919	164	8	that	that	PRON
framr-2919	164	9	described	describe	VERB
framr-2919	164	10	the	the	DET
framr-2919	164	11	classification	classification	NOUN
framr-2919	164	12	model	model	NOUN
framr-2919	164	13	's	's	PART
framr-2919	164	14	performance	performance	NOUN
framr-2919	164	15	on	on	ADP
framr-2919	164	16	a	a	DET
framr-2919	164	17	set	set	NOUN
framr-2919	164	18	of	of	ADP
framr-2919	164	19	test	test	NOUN
framr-2919	164	20	data	datum	NOUN
framr-2919	164	21	whose	whose	DET
framr-2919	164	22	actual	actual	ADJ
framr-2919	164	23	values	value	NOUN
framr-2919	164	24	were	be	AUX
framr-2919	164	25	known	know	VERB
framr-2919	164	26	.	.	PUNCT
framr-2919	165	1	in	in	ADP
framr-2919	165	2	the	the	DET
framr-2919	165	3	confusion	confusion	NOUN
framr-2919	165	4	matrix	matrix	NOUN
framr-2919	165	5	,	,	PUNCT
framr-2919	165	6	four	four	NUM
framr-2919	165	7	terms	term	NOUN
framr-2919	165	8	indicate	indicate	VERB
framr-2919	165	9	the	the	DET
framr-2919	165	10	categorization	categorization	NOUN
framr-2919	165	11	process	process	NOUN
framr-2919	165	12	'	'	PART
framr-2919	165	13	findings	finding	NOUN
framr-2919	165	14	were	be	AUX
framr-2919	165	15	true	true	ADJ
framr-2919	165	16	positive	positive	ADJ
framr-2919	165	17	(	(	PUNCT
framr-2919	165	18	tp	tp	NOUN
framr-2919	165	19	)	)	PUNCT
framr-2919	165	20	,	,	PUNCT
framr-2919	165	21	true	true	ADJ
framr-2919	165	22	negative	negative	ADJ
framr-2919	165	23	(	(	PUNCT
framr-2919	165	24	tn	tn	NOUN
framr-2919	165	25	)	)	PUNCT
framr-2919	165	26	,	,	PUNCT
framr-2919	165	27	false	false	ADJ
framr-2919	165	28	positive	positive	ADJ
framr-2919	165	29	(	(	PUNCT
framr-2919	165	30	fp	fp	NOUN
framr-2919	165	31	)	)	PUNCT
framr-2919	165	32	,	,	PUNCT
framr-2919	165	33	and	and	CCONJ
framr-2919	165	34	false	false	ADJ
framr-2919	165	35	negative	negative	ADJ
framr-2919	165	36	(	(	PUNCT
framr-2919	165	37	fn	fn	NOUN
framr-2919	165	38	)	)	PUNCT
framr-2919	165	39	.	.	PUNCT
framr-2919	166	1	the	the	DET
framr-2919	166	2	following	follow	VERB
framr-2919	166	3	is	be	AUX
framr-2919	166	4	a	a	DET
framr-2919	166	5	basic	basic	ADJ
framr-2919	166	6	case	case	NOUN
framr-2919	166	7	example	example	NOUN
framr-2919	166	8	of	of	ADP
framr-2919	166	9	predicting	predict	VERB
framr-2919	166	10	whether	whether	SCONJ
framr-2919	166	11	or	or	CCONJ
framr-2919	166	12	not	not	PART
framr-2919	166	13	a	a	DET
framr-2919	166	14	customer	customer	NOUN
framr-2919	166	15	defaults	default	NOUN
framr-2919	166	16	on	on	ADP
framr-2919	166	17	the	the	DET
framr-2919	166	18	payment	payment	NOUN
framr-2919	166	19	.	.	PUNCT
framr-2919	167	1	true	true	ADJ
framr-2919	167	2	positive	positive	ADJ
framr-2919	167	3	(	(	PUNCT
framr-2919	167	4	tp	tp	NOUN
framr-2919	167	5	)	)	PUNCT
framr-2919	167	6	data	datum	NOUN
framr-2919	167	7	that	that	PRON
framr-2919	167	8	was	be	AUX
framr-2919	167	9	expected	expect	VERB
framr-2919	167	10	to	to	PART
framr-2919	167	11	be	be	AUX
framr-2919	167	12	right	right	ADJ
framr-2919	167	13	was	be	AUX
framr-2919	167	14	found	find	VERB
framr-2919	167	15	to	to	PART
framr-2919	167	16	be	be	AUX
framr-2919	167	17	true	true	ADJ
framr-2919	167	18	.	.	PUNCT
framr-2919	168	1	for	for	ADP
framr-2919	168	2	instance	instance	NOUN
framr-2919	168	3	,	,	PUNCT
framr-2919	168	4	a	a	DET
framr-2919	168	5	customer	customer	NOUN
framr-2919	168	6	who	who	PRON
framr-2919	168	7	fails	fail	VERB
framr-2919	168	8	on	on	ADP
framr-2919	168	9	a	a	DET
framr-2919	168	10	retrofitting	retrofit	VERB
framr-2919	168	11	payment	payment	NOUN
framr-2919	168	12	(	(	PUNCT
framr-2919	168	13	class	class	NOUN
framr-2919	168	14	1	1	NUM
framr-2919	168	15	)	)	PUNCT
framr-2919	168	16	forecasts	forecast	VERB
framr-2919	168	17	that	that	SCONJ
framr-2919	168	18	the	the	DET
framr-2919	168	19	customer	customer	NOUN
framr-2919	168	20	will	will	AUX
framr-2919	168	21	also	also	ADV
framr-2919	168	22	default	default	VERB
framr-2919	168	23	on	on	ADP
framr-2919	168	24	payment	payment	NOUN
framr-2919	168	25	(	(	PUNCT
framr-2919	168	26	class	class	NOUN
framr-2919	168	27	1	1	NUM
framr-2919	168	28	)	)	PUNCT
framr-2919	168	29	.	.	PUNCT
framr-2919	169	1	true	true	ADJ
framr-2919	169	2	negative	negative	ADJ
framr-2919	169	3	(	(	PUNCT
framr-2919	169	4	tn	tn	NOUN
framr-2919	169	5	)	)	PUNCT
framr-2919	169	6	it	it	PRON
framr-2919	169	7	was	be	AUX
framr-2919	169	8	projected	project	VERB
framr-2919	169	9	that	that	SCONJ
framr-2919	169	10	negative	negative	ADJ
framr-2919	169	11	data	datum	NOUN
framr-2919	169	12	would	would	AUX
framr-2919	169	13	be	be	AUX
framr-2919	169	14	actual	actual	ADJ
framr-2919	169	15	.	.	PUNCT
framr-2919	170	1	customers	customer	NOUN
framr-2919	170	2	that	that	PRON
framr-2919	170	3	do	do	AUX
framr-2919	170	4	not	not	PART
framr-2919	170	5	default	default	VERB
framr-2919	170	6	on	on	ADP
framr-2919	170	7	retrofitting	retrofit	VERB
framr-2919	170	8	payments	payment	NOUN
framr-2919	170	9	(	(	PUNCT
framr-2919	170	10	class	class	NOUN
framr-2919	170	11	2	2	NUM
framr-2919	170	12	)	)	PUNCT
framr-2919	170	13	,	,	PUNCT
framr-2919	170	14	for	for	ADP
framr-2919	170	15	example	example	NOUN
framr-2919	170	16	,	,	PUNCT
framr-2919	170	17	are	be	AUX
framr-2919	170	18	predicted	predict	VERB
framr-2919	170	19	to	to	PART
framr-2919	170	20	not	not	PART
framr-2919	170	21	default	default	VERB
framr-2919	170	22	on	on	ADP
framr-2919	170	23	payments	payment	NOUN
framr-2919	170	24	by	by	ADP
framr-2919	170	25	the	the	DET
framr-2919	170	26	model	model	NOUN
framr-2919	170	27	(	(	PUNCT
framr-2919	170	28	class	class	NOUN
framr-2919	170	29	2	2	NUM
framr-2919	170	30	)	)	PUNCT
framr-2919	170	31	.	.	PUNCT
framr-2919	171	1	type	type	NOUN
framr-2919	171	2	i	i	PRON
framr-2919	171	3	error	error	NOUN
framr-2919	171	4	—	—	PUNCT
framr-2919	171	5	false	false	ADJ
framr-2919	171	6	positive	positive	ADJ
framr-2919	171	7	(	(	PUNCT
framr-2919	171	8	fp	fp	NOUN
framr-2919	171	9	)	)	PUNCT
framr-2919	171	10	—	—	PUNCT
framr-2919	171	11	negative	negative	ADJ
framr-2919	171	12	data	datum	NOUN
framr-2919	171	13	was	be	AUX
framr-2919	171	14	forecasted	forecast	VERB
framr-2919	171	15	as	as	ADP
framr-2919	171	16	positive	positive	ADJ
framr-2919	171	17	data	datum	NOUN
framr-2919	171	18	.	.	PUNCT
framr-2919	172	1	customers	customer	NOUN
framr-2919	172	2	who	who	PRON
framr-2919	172	3	,	,	PUNCT
framr-2919	172	4	for	for	ADP
framr-2919	172	5	example	example	NOUN
framr-2919	172	6	,	,	PUNCT
framr-2919	172	7	do	do	AUX
framr-2919	172	8	not	not	PART
framr-2919	172	9	default	default	VERB
framr-2919	172	10	on	on	ADP
framr-2919	172	11	retrofitting	retrofit	VERB
framr-2919	172	12	payments	payment	NOUN
framr-2919	172	13	(	(	PUNCT
framr-2919	172	14	class	class	NOUN
framr-2919	172	15	2	2	NUM
framr-2919	172	16	)	)	PUNCT
framr-2919	172	17	but	but	CCONJ
framr-2919	172	18	are	be	AUX
framr-2919	172	19	predicted	predict	VERB
framr-2919	172	20	to	to	PART
framr-2919	172	21	default	default	VERB
framr-2919	172	22	on	on	ADP
framr-2919	172	23	payments	payment	NOUN
framr-2919	172	24	by	by	ADP
framr-2919	172	25	a	a	DET
framr-2919	172	26	model	model	NOUN
framr-2919	172	27	(	(	PUNCT
framr-2919	172	28	class	class	NOUN
framr-2919	172	29	1	1	NUM
framr-2919	172	30	)	)	PUNCT
framr-2919	172	31	.	.	PUNCT
framr-2919	173	1	type	type	NOUN
framr-2919	173	2	ii	ii	PROPN
framr-2919	173	3	error	error	NOUN
framr-2919	173	4	:	:	PUNCT
framr-2919	173	5	false	false	ADJ
framr-2919	173	6	negative	negative	ADJ
framr-2919	173	7	(	(	PUNCT
framr-2919	173	8	fn	fn	NOUN
framr-2919	173	9	)	)	PUNCT
framr-2919	173	10	–	–	PUNCT
framr-2919	173	11	positive	positive	ADJ
framr-2919	173	12	data	datum	NOUN
framr-2919	173	13	was	be	AUX
framr-2919	173	14	supposed	suppose	VERB
framr-2919	173	15	to	to	PART
framr-2919	173	16	be	be	AUX
framr-2919	173	17	negative	negative	ADJ
framr-2919	173	18	.	.	PUNCT
framr-2919	174	1	a	a	DET
framr-2919	174	2	customer	customer	NOUN
framr-2919	174	3	,	,	PUNCT
framr-2919	174	4	for	for	ADP
framr-2919	174	5	example	example	NOUN
framr-2919	174	6	,	,	PUNCT
framr-2919	174	7	defaults	default	NOUN
framr-2919	174	8	on	on	ADP
framr-2919	174	9	a	a	DET
framr-2919	174	10	retrofitting	retrofit	VERB
framr-2919	174	11	payment	payment	NOUN
framr-2919	174	12	(	(	PUNCT
framr-2919	174	13	class	class	NOUN
framr-2919	174	14	1	1	NUM
framr-2919	174	15	)	)	PUNCT
framr-2919	174	16	,	,	PUNCT
framr-2919	174	17	but	but	CCONJ
framr-2919	174	18	the	the	DET
framr-2919	174	19	model	model	NOUN
framr-2919	174	20	predicts	predict	VERB
framr-2919	174	21	that	that	SCONJ
framr-2919	174	22	the	the	DET
framr-2919	174	23	customer	customer	NOUN
framr-2919	174	24	would	would	AUX
framr-2919	174	25	not	not	PART
framr-2919	174	26	default	default	VERB
framr-2919	174	27	on	on	ADP
framr-2919	174	28	the	the	DET
framr-2919	174	29	payment	payment	NOUN
framr-2919	174	30	(	(	PUNCT
framr-2919	174	31	class	class	NOUN
framr-2919	174	32	2	2	NUM
framr-2919	174	33	)	)	PUNCT
framr-2919	174	34	.	.	PUNCT
framr-2919	175	1	in	in	ADP
framr-2919	175	2	some	some	DET
framr-2919	175	3	cases	case	NOUN
framr-2919	175	4	,	,	PUNCT
framr-2919	175	5	the	the	DET
framr-2919	175	6	type	type	NOUN
framr-2919	175	7	ii	ii	NOUN
framr-2919	175	8	error	error	NOUN
framr-2919	175	9	was	be	AUX
framr-2919	175	10	more	more	ADV
framr-2919	175	11	dangerous	dangerous	ADJ
framr-2919	175	12	.	.	PUNCT
framr-2919	176	1	we	we	PRON
framr-2919	176	2	can	can	AUX
framr-2919	176	3	relate	relate	VERB
framr-2919	176	4	that	that	DET
framr-2919	176	5	statement	statement	NOUN
framr-2919	176	6	to	to	ADP
framr-2919	176	7	the	the	DET
framr-2919	176	8	example	example	NOUN
framr-2919	176	9	of	of	ADP
framr-2919	176	10	the	the	DET
framr-2919	176	11	credit	credit	NOUN
framr-2919	176	12	default	default	NOUN
framr-2919	176	13	prediction	prediction	NOUN
framr-2919	176	14	above	above	ADV
framr-2919	176	15	.	.	PUNCT
framr-2919	177	1	if	if	SCONJ
framr-2919	177	2	the	the	DET
framr-2919	177	3	customer	customer	NOUN
framr-2919	177	4	does	do	AUX
framr-2919	177	5	not	not	PART
framr-2919	177	6	default	default	VERB
framr-2919	177	7	but	but	CCONJ
framr-2919	177	8	was	be	AUX
framr-2919	177	9	predicted	predict	VERB
framr-2919	177	10	to	to	PART
framr-2919	177	11	default	default	VERB
framr-2919	177	12	(	(	PUNCT
framr-2919	177	13	fp	fp	NOUN
framr-2919	177	14	)	)	PUNCT
framr-2919	177	15	,	,	PUNCT
framr-2919	177	16	then	then	ADV
framr-2919	177	17	in	in	ADP
framr-2919	177	18	the	the	DET
framr-2919	177	19	following	follow	VERB
framr-2919	177	20	financial	financial	ADJ
framr-2919	177	21	risk	risk	NOUN
framr-2919	177	22	and	and	CCONJ
framr-2919	177	23	management	management	NOUN
framr-2919	177	24	reviews	review	NOUN
framr-2919	177	25	,	,	PUNCT
framr-2919	177	26	2022	2022	NUM
framr-2919	177	27	,	,	PUNCT
framr-2919	177	28	8(1	8(1	NOUN
framr-2919	177	29	):	):	PUNCT
framr-2919	177	30	1	1	NUM
framr-2919	177	31	-	-	SYM
framr-2919	177	32	11	11	NUM
framr-2919	177	33	7	7	NUM
framr-2919	177	34	©	©	PROPN
framr-2919	177	35	2022	2022	NUM
framr-2919	177	36	conscientia	conscientia	PROPN
framr-2919	177	37	beam	beam	PROPN
framr-2919	177	38	.	.	PUNCT
framr-2919	178	1	all	all	DET
framr-2919	178	2	rights	right	NOUN
framr-2919	178	3	reserved	reserve	VERB
framr-2919	178	4	.	.	PUNCT
framr-2919	179	1	prediction	prediction	NOUN
framr-2919	179	2	,	,	PUNCT
framr-2919	179	3	esco	esco	PROPN
framr-2919	179	4	can	can	AUX
framr-2919	179	5	find	find	VERB
framr-2919	179	6	out	out	ADP
framr-2919	179	7	the	the	DET
framr-2919	179	8	actual	actual	ADJ
framr-2919	179	9	situation	situation	NOUN
framr-2919	179	10	that	that	SCONJ
framr-2919	179	11	the	the	DET
framr-2919	179	12	customer	customer	NOUN
framr-2919	179	13	did	do	AUX
framr-2919	179	14	not	not	PART
framr-2919	179	15	default	default	VERB
framr-2919	179	16	.	.	PUNCT
framr-2919	180	1	however	however	ADV
framr-2919	180	2	,	,	PUNCT
framr-2919	180	3	if	if	SCONJ
framr-2919	180	4	customers	customer	NOUN
framr-2919	180	5	default	default	VERB
framr-2919	180	6	but	but	CCONJ
framr-2919	180	7	are	be	AUX
framr-2919	180	8	predicted	predict	VERB
framr-2919	180	9	not	not	PART
framr-2919	180	10	to	to	PART
framr-2919	180	11	default	default	VERB
framr-2919	180	12	(	(	PUNCT
framr-2919	180	13	fn	fn	NOUN
framr-2919	180	14	)	)	PUNCT
framr-2919	180	15	,	,	PUNCT
framr-2919	180	16	the	the	DET
framr-2919	180	17	company	company	NOUN
framr-2919	180	18	will	will	AUX
framr-2919	180	19	find	find	VERB
framr-2919	180	20	the	the	DET
framr-2919	180	21	actual	actual	ADJ
framr-2919	180	22	situation	situation	NOUN
framr-2919	180	23	very	very	ADV
framr-2919	180	24	late	late	ADV
framr-2919	180	25	,	,	PUNCT
framr-2919	180	26	and	and	CCONJ
framr-2919	180	27	esco	esco	PROPN
framr-2919	180	28	will	will	AUX
framr-2919	180	29	suffer	suffer	VERB
framr-2919	180	30	financial	financial	ADJ
framr-2919	180	31	losses	loss	NOUN
framr-2919	180	32	.	.	PUNCT
framr-2919	181	1	so	so	ADV
framr-2919	181	2	,	,	PUNCT
framr-2919	181	3	it	it	PRON
framr-2919	181	4	can	can	AUX
framr-2919	181	5	be	be	AUX
framr-2919	181	6	said	say	VERB
framr-2919	181	7	that	that	PRON
framr-2919	181	8	type	type	NOUN
framr-2919	181	9	ii	ii	NOUN
framr-2919	181	10	error	error	NOUN
framr-2919	181	11	was	be	AUX
framr-2919	181	12	dangerous	dangerous	ADJ
framr-2919	181	13	.	.	PUNCT
framr-2919	182	1	the	the	DET
framr-2919	182	2	confusion	confusion	NOUN
framr-2919	182	3	matrix	matrix	NOUN
framr-2919	182	4	will	will	AUX
framr-2919	182	5	tell	tell	VERB
framr-2919	182	6	how	how	SCONJ
framr-2919	182	7	well	well	ADV
framr-2919	182	8	the	the	DET
framr-2919	182	9	model	model	NOUN
framr-2919	182	10	we	we	PRON
framr-2919	182	11	make	make	VERB
framr-2919	182	12	.	.	PUNCT
framr-2919	183	1	in	in	ADP
framr-2919	183	2	particular	particular	ADJ
framr-2919	183	3	,	,	PUNCT
framr-2919	183	4	the	the	DET
framr-2919	183	5	confusion	confusion	NOUN
framr-2919	183	6	matrix	matrix	NOUN
framr-2919	183	7	also	also	ADV
framr-2919	183	8	provides	provide	VERB
framr-2919	183	9	information	information	NOUN
framr-2919	183	10	about	about	ADP
framr-2919	183	11	tp	tp	PROPN
framr-2919	183	12	,	,	PUNCT
framr-2919	183	13	fp	fp	PROPN
framr-2919	183	14	,	,	PUNCT
framr-2919	183	15	tn	tn	PROPN
framr-2919	183	16	,	,	PUNCT
framr-2919	183	17	and	and	CCONJ
framr-2919	183	18	fn	fn	NOUN
framr-2919	183	19	.	.	PUNCT
framr-2919	184	1	it	it	PRON
framr-2919	184	2	was	be	AUX
framr-2919	184	3	beneficial	beneficial	ADJ
framr-2919	184	4	because	because	SCONJ
framr-2919	184	5	the	the	DET
framr-2919	184	6	classification	classification	NOUN
framr-2919	184	7	results	result	NOUN
framr-2919	184	8	generally	generally	ADV
framr-2919	184	9	can	can	AUX
framr-2919	184	10	not	not	PART
framr-2919	184	11	be	be	AUX
framr-2919	184	12	adequately	adequately	ADV
framr-2919	184	13	expressed	express	VERB
framr-2919	184	14	in	in	ADP
framr-2919	184	15	one	one	NUM
framr-2919	184	16	number	number	NOUN
framr-2919	184	17	only	only	ADV
framr-2919	184	18	.	.	PUNCT
framr-2919	185	1	the	the	DET
framr-2919	185	2	confusion	confusion	NOUN
framr-2919	185	3	matrix	matrix	NOUN
framr-2919	185	4	allows	allow	VERB
framr-2919	185	5	us	we	PRON
framr-2919	185	6	to	to	PART
framr-2919	185	7	see	see	VERB
framr-2919	185	8	from	from	ADP
framr-2919	185	9	whom	whom	PRON
framr-2919	185	10	to	to	PART
framr-2919	185	11	predict	predict	VERB
framr-2919	185	12	the	the	DET
framr-2919	185	13	credit	credit	NOUN
framr-2919	185	14	default	default	NOUN
framr-2919	185	15	quickly	quickly	ADV
framr-2919	185	16	,	,	PUNCT
framr-2919	185	17	how	how	SCONJ
framr-2919	185	18	much	much	ADJ
framr-2919	185	19	to	to	PART
framr-2919	185	20	default	default	VERB
framr-2919	185	21	and	and	CCONJ
framr-2919	185	22	not	not	PART
framr-2919	185	23	.	.	PUNCT
framr-2919	186	1	the	the	DET
framr-2919	186	2	confusion	confusion	NOUN
framr-2919	186	3	matrix	matrix	NOUN
framr-2919	186	4	in	in	ADP
framr-2919	186	5	the	the	DET
framr-2919	186	6	image	image	NOUN
framr-2919	186	7	below	below	ADV
framr-2919	186	8	shows	show	VERB
framr-2919	186	9	that	that	SCONJ
framr-2919	186	10	companies	company	NOUN
framr-2919	186	11	were	be	AUX
framr-2919	186	12	said	say	VERB
framr-2919	186	13	to	to	PART
framr-2919	186	14	not	not	PART
framr-2919	186	15	default	default	VERB
framr-2919	186	16	in	in	ADP
framr-2919	186	17	the	the	DET
framr-2919	186	18	ann	ann	PROPN
framr-2919	186	19	–	–	PUNCT
framr-2919	186	20	473	473	NUM
framr-2919	186	21	companies	company	NOUN
framr-2919	186	22	,	,	PUNCT
framr-2919	186	23	but	but	CCONJ
framr-2919	186	24	470	470	NUM
framr-2919	186	25	companies	company	NOUN
framr-2919	186	26	were	be	AUX
framr-2919	186	27	declared	declare	VERB
framr-2919	186	28	not	not	PART
framr-2919	186	29	to	to	PART
framr-2919	186	30	default	default	VERB
framr-2919	186	31	when	when	SCONJ
framr-2919	186	32	using	use	VERB
framr-2919	186	33	the	the	DET
framr-2919	186	34	lr	lr	NOUN
framr-2919	186	35	model	model	NOUN
framr-2919	186	36	(	(	PUNCT
framr-2919	186	37	tp	tp	NOUN
framr-2919	186	38	)	)	PUNCT
framr-2919	186	39	.	.	PUNCT
framr-2919	187	1	according	accord	VERB
framr-2919	187	2	to	to	ADP
framr-2919	187	3	the	the	DET
framr-2919	187	4	lr	lr	PROPN
framr-2919	187	5	(	(	PUNCT
framr-2919	187	6	tn	tn	PROPN
framr-2919	187	7	)	)	PUNCT
framr-2919	187	8	model	model	NOUN
framr-2919	187	9	,	,	PUNCT
framr-2919	187	10	the	the	DET
framr-2919	187	11	ann	ann	PROPN
framr-2919	187	12	model	model	NOUN
framr-2919	187	13	predicts	predict	VERB
framr-2919	187	14	43	43	NUM
framr-2919	187	15	companies	company	NOUN
framr-2919	187	16	default	default	VERB
framr-2919	187	17	correctly	correctly	ADV
framr-2919	187	18	and	and	CCONJ
framr-2919	187	19	42	42	NUM
framr-2919	187	20	companies	company	NOUN
framr-2919	187	21	according	accord	VERB
framr-2919	187	22	to	to	ADP
framr-2919	187	23	the	the	DET
framr-2919	187	24	lr	lr	PROPN
framr-2919	187	25	(	(	PUNCT
framr-2919	187	26	tn	tn	PROPN
framr-2919	187	27	)	)	PUNCT
framr-2919	187	28	model	model	NOUN
framr-2919	187	29	.	.	PUNCT
framr-2919	188	1	the	the	DET
framr-2919	188	2	correct	correct	ADJ
framr-2919	188	3	prediction	prediction	NOUN
framr-2919	188	4	(	(	PUNCT
framr-2919	188	5	tp	tp	NOUN
framr-2919	188	6	)	)	PUNCT
framr-2919	188	7	was	be	AUX
framr-2919	188	8	in	in	ADP
framr-2919	188	9	the	the	DET
framr-2919	188	10	diagonal	diagonal	ADJ
framr-2919	188	11	table	table	NOUN
framr-2919	188	12	in	in	ADP
framr-2919	188	13	the	the	DET
framr-2919	188	14	upper	upper	ADJ
framr-2919	188	15	left	left	NOUN
framr-2919	188	16	corner	corner	NOUN
framr-2919	188	17	,	,	PUNCT
framr-2919	188	18	so	so	ADV
framr-2919	188	19	visually	visually	ADV
framr-2919	188	20	,	,	PUNCT
framr-2919	188	21	it	it	PRON
framr-2919	188	22	was	be	AUX
framr-2919	188	23	straightforward	straightforward	ADJ
framr-2919	188	24	to	to	PART
framr-2919	188	25	see	see	VERB
framr-2919	188	26	the	the	DET
framr-2919	188	27	prediction	prediction	NOUN
framr-2919	188	28	error	error	NOUN
framr-2919	188	29	because	because	SCONJ
framr-2919	188	30	it	it	PRON
framr-2919	188	31	was	be	AUX
framr-2919	188	32	in	in	ADP
framr-2919	188	33	the	the	DET
framr-2919	188	34	table	table	NOUN
framr-2919	188	35	outside	outside	ADP
framr-2919	188	36	the	the	DET
framr-2919	188	37	left	left	ADJ
framr-2919	188	38	corner	corner	NOUN
framr-2919	188	39	diagonal	diagonal	NOUN
framr-2919	188	40	;	;	PUNCT
framr-2919	188	41	the	the	DET
framr-2919	188	42	confusion	confusion	NOUN
framr-2919	188	43	matrix	matrix	NOUN
framr-2919	188	44	is	be	AUX
framr-2919	188	45	depicted	depict	VERB
framr-2919	188	46	in	in	ADP
framr-2919	188	47	figure	figure	NOUN
framr-2919	188	48	2	2	NUM
framr-2919	188	49	.	.	PUNCT
framr-2919	188	50	figure	figure	NOUN
framr-2919	188	51	2	2	NUM
framr-2919	188	52	.	.	PUNCT
framr-2919	188	53	confusion	confusion	NOUN
framr-2919	188	54	matrix	matrix	NOUN
framr-2919	188	55	–	–	PUNCT
framr-2919	188	56	artificial	artificial	ADJ
framr-2919	188	57	neural	neural	ADJ
framr-2919	188	58	network	network	NOUN
framr-2919	188	59	&	&	CCONJ
framr-2919	188	60	logit	logit	PROPN
framr-2919	188	61	model	model	PROPN
framr-2919	188	62	.	.	PUNCT
framr-2919	189	1	the	the	DET
framr-2919	189	2	result	result	NOUN
framr-2919	189	3	showed	show	VERB
framr-2919	189	4	that	that	SCONJ
framr-2919	189	5	the	the	DET
framr-2919	189	6	model	model	NOUN
framr-2919	189	7	's	's	PART
framr-2919	189	8	accuracy	accuracy	NOUN
framr-2919	189	9	was	be	AUX
framr-2919	189	10	generally	generally	ADV
framr-2919	189	11	measured	measure	VERB
framr-2919	189	12	based	base	VERB
framr-2919	189	13	on	on	ADP
framr-2919	189	14	correctly	correctly	ADV
framr-2919	189	15	classified	classified	ADJ
framr-2919	189	16	instances	instance	NOUN
framr-2919	189	17	.	.	PUNCT
framr-2919	190	1	both	both	CCONJ
framr-2919	190	2	ann	ann	PROPN
framr-2919	190	3	and	and	CCONJ
framr-2919	190	4	lr	lr	PROPN
framr-2919	190	5	models	model	NOUN
framr-2919	190	6	were	be	AUX
framr-2919	190	7	chosen	choose	VERB
framr-2919	190	8	to	to	PART
framr-2919	190	9	optimize	optimize	VERB
framr-2919	190	10	predictive	predictive	ADJ
framr-2919	190	11	accuracy	accuracy	NOUN
framr-2919	190	12	.	.	PUNCT
framr-2919	191	1	the	the	DET
framr-2919	191	2	term	term	NOUN
framr-2919	191	3	accuracy	accuracy	NOUN
framr-2919	191	4	refers	refer	VERB
framr-2919	191	5	to	to	ADP
framr-2919	191	6	the	the	DET
framr-2919	191	7	model	model	NOUN
framr-2919	191	8	's	's	PART
framr-2919	191	9	ability	ability	NOUN
framr-2919	191	10	to	to	PART
framr-2919	191	11	categorize	categorize	VERB
framr-2919	191	12	data	datum	NOUN
framr-2919	191	13	correctly	correctly	ADV
framr-2919	191	14	.	.	PUNCT
framr-2919	192	1	as	as	ADP
framr-2919	192	2	a	a	DET
framr-2919	192	3	result	result	NOUN
framr-2919	192	4	,	,	PUNCT
framr-2919	192	5	accuracy	accuracy	NOUN
framr-2919	192	6	was	be	AUX
framr-2919	192	7	defined	define	VERB
framr-2919	192	8	as	as	ADP
framr-2919	192	9	the	the	DET
framr-2919	192	10	proportion	proportion	NOUN
framr-2919	192	11	of	of	ADP
framr-2919	192	12	accurate	accurate	ADJ
framr-2919	192	13	predictions	prediction	NOUN
framr-2919	192	14	(	(	PUNCT
framr-2919	192	15	both	both	CCONJ
framr-2919	192	16	positive	positive	ADJ
framr-2919	192	17	and	and	CCONJ
framr-2919	192	18	negative	negative	ADJ
framr-2919	192	19	)	)	PUNCT
framr-2919	192	20	to	to	ADP
framr-2919	192	21	the	the	DET
framr-2919	192	22	total	total	ADJ
framr-2919	192	23	data	datum	NOUN
framr-2919	192	24	.	.	PUNCT
framr-2919	193	1	to	to	PART
framr-2919	193	2	put	put	VERB
framr-2919	193	3	it	it	PRON
framr-2919	193	4	another	another	DET
framr-2919	193	5	way	way	NOUN
framr-2919	193	6	,	,	PUNCT
framr-2919	193	7	accuracy	accuracy	NOUN
framr-2919	193	8	was	be	AUX
framr-2919	193	9	the	the	DET
framr-2919	193	10	degree	degree	NOUN
framr-2919	193	11	to	to	PART
framr-2919	193	12	which	which	PRON
framr-2919	193	13	the	the	DET
framr-2919	193	14	projected	project	VERB
framr-2919	193	15	value	value	NOUN
framr-2919	193	16	was	be	AUX
framr-2919	193	17	near	near	ADJ
framr-2919	193	18	to	to	ADP
framr-2919	193	19	the	the	DET
framr-2919	193	20	actual	actual	ADJ
framr-2919	193	21	(	(	PUNCT
framr-2919	193	22	actual	actual	ADJ
framr-2919	193	23	)	)	PUNCT
framr-2919	193	24	value	value	NOUN
framr-2919	193	25	.	.	PUNCT
framr-2919	194	1	the	the	DET
framr-2919	194	2	accuracy	accuracy	NOUN
framr-2919	194	3	value	value	NOUN
framr-2919	194	4	can	can	AUX
framr-2919	194	5	be	be	AUX
framr-2919	194	6	obtained	obtain	VERB
framr-2919	194	7	by	by	ADP
framr-2919	194	8	equation	equation	NOUN
framr-2919	194	9	tp	tp	NOUN
framr-2919	194	10	=	=	PUNCT
framr-2919	194	11	(	(	PUNCT
framr-2919	194	12	tp+tn	tp+tn	INTJ
framr-2919	194	13	)	)	PUNCT
framr-2919	194	14	/	/	PUNCT
framr-2919	194	15	(	(	PUNCT
framr-2919	194	16	tp	tp	ADP
framr-2919	194	17	+	+	CCONJ
framr-2919	194	18	tn	tn	NOUN
framr-2919	194	19	+	+	CCONJ
framr-2919	194	20	fp	fp	PROPN
framr-2919	194	21	+	+	NUM
framr-2919	194	22	fn	fn	NOUN
framr-2919	194	23	)	)	PUNCT
framr-2919	194	24	.	.	PUNCT
framr-2919	195	1	from	from	ADP
framr-2919	195	2	the	the	DET
framr-2919	195	3	binary	binary	ADJ
framr-2919	195	4	classification	classification	NOUN
framr-2919	195	5	confusion	confusion	NOUN
framr-2919	195	6	matrix	matrix	NOUN
framr-2919	195	7	example	example	NOUN
framr-2919	195	8	above	above	ADV
framr-2919	195	9	,	,	PUNCT
framr-2919	195	10	calculating	calculate	VERB
framr-2919	195	11	the	the	DET
framr-2919	195	12	accuracy	accuracy	NOUN
framr-2919	195	13	value	value	NOUN
framr-2919	195	14	can	can	AUX
framr-2919	195	15	answer	answer	VERB
framr-2919	195	16	the	the	DET
framr-2919	195	17	question	question	NOUN
framr-2919	195	18	,	,	PUNCT
framr-2919	195	19	what	what	DET
framr-2919	195	20	percentage	percentage	NOUN
framr-2919	195	21	of	of	ADP
framr-2919	195	22	customers	customer	NOUN
framr-2919	195	23	were	be	AUX
framr-2919	195	24	correctly	correctly	ADV
framr-2919	195	25	predicted	predict	VERB
framr-2919	195	26	to	to	PART
framr-2919	195	27	default	default	VERB
framr-2919	195	28	or	or	CCONJ
framr-2919	195	29	who	who	PRON
framr-2919	195	30	do	do	AUX
framr-2919	195	31	not	not	PART
framr-2919	195	32	default	default	VERB
framr-2919	195	33	from	from	ADP
framr-2919	195	34	all	all	DET
framr-2919	195	35	customers	customer	NOUN
framr-2919	195	36	?	?	PUNCT
framr-2919	196	1	based	base	VERB
framr-2919	196	2	on	on	ADP
framr-2919	196	3	figure	figure	NOUN
framr-2919	196	4	2	2	NUM
framr-2919	196	5	,	,	PUNCT
framr-2919	196	6	the	the	DET
framr-2919	196	7	accuracy	accuracy	NOUN
framr-2919	196	8	of	of	ADP
framr-2919	196	9	ann	ann	PROPN
framr-2919	196	10	was	be	AUX
framr-2919	196	11	(	(	PUNCT
framr-2919	196	12	473	473	NUM
framr-2919	196	13	+	+	NOUN
framr-2919	196	14	43	43	NUM
framr-2919	196	15	)	)	PUNCT
framr-2919	196	16	/	/	PUNCT
framr-2919	197	1	(	(	PUNCT
framr-2919	197	2	473	473	NUM
framr-2919	197	3	+	+	NOUN
framr-2919	197	4	43	43	NUM
framr-2919	197	5	+	+	SYM
framr-2919	197	6	28	28	NUM
framr-2919	197	7	+	+	NOUN
framr-2919	197	8	40	40	NUM
framr-2919	197	9	)	)	PUNCT
framr-2919	197	10	=	=	PUNCT
framr-2919	197	11	88.36	88.36	NUM
framr-2919	197	12	%	%	NOUN
framr-2919	197	13	,	,	PUNCT
framr-2919	197	14	on	on	ADP
framr-2919	197	15	the	the	DET
framr-2919	197	16	lr	lr	NOUN
framr-2919	197	17	model	model	NOUN
framr-2919	197	18	was	be	AUX
framr-2919	197	19	shown	show	VERB
framr-2919	197	20	(	(	PUNCT
framr-2919	197	21	470	470	NUM
framr-2919	197	22	+	+	NOUN
framr-2919	197	23	42	42	NUM
framr-2919	197	24	)	)	PUNCT
framr-2919	197	25	/	/	PUNCT
framr-2919	198	1	(	(	PUNCT
framr-2919	198	2	473	473	NUM
framr-2919	198	3	+	+	NOUN
framr-2919	198	4	42	42	NUM
framr-2919	198	5	+	+	SYM
framr-2919	198	6	31	31	NUM
framr-2919	198	7	+	+	NOUN
framr-2919	198	8	41	41	NUM
framr-2919	198	9	)	)	PUNCT
framr-2919	198	10	=	=	SYM
framr-2919	198	11	87.67	87.67	NUM
framr-2919	198	12	%	%	NOUN
framr-2919	198	13	.	.	PUNCT
framr-2919	199	1	the	the	DET
framr-2919	199	2	prediction	prediction	NOUN
framr-2919	199	3	rate	rate	NOUN
framr-2919	199	4	result	result	NOUN
framr-2919	199	5	on	on	ADP
framr-2919	199	6	the	the	DET
framr-2919	199	7	ann	ann	PROPN
framr-2919	199	8	model	model	NOUN
framr-2919	199	9	that	that	PRON
framr-2919	199	10	refers	refer	VERB
framr-2919	199	11	to	to	ADP
framr-2919	199	12	the	the	DET
framr-2919	199	13	percentage	percentage	NOUN
framr-2919	199	14	of	of	ADP
framr-2919	199	15	correct	correct	ADJ
framr-2919	199	16	predictions	prediction	NOUN
framr-2919	199	17	among	among	ADP
framr-2919	199	18	all	all	DET
framr-2919	199	19	test	test	NOUN
framr-2919	199	20	data	datum	NOUN
framr-2919	199	21	was	be	AUX
framr-2919	199	22	as	as	SCONJ
framr-2919	199	23	follows	follow	VERB
framr-2919	199	24	:	:	PUNCT
framr-2919	199	25	true	true	ADJ
framr-2919	199	26	positive	positive	ADJ
framr-2919	199	27	rate	rate	NOUN
framr-2919	199	28	(	(	PUNCT
framr-2919	199	29	tpr	tpr	NOUN
framr-2919	199	30	)	)	PUNCT
framr-2919	199	31	=	=	NOUN
framr-2919	200	1	473	473	NUM
framr-2919	200	2	/(473	/(473	NOUN
framr-2919	200	3	+	+	PROPN
framr-2919	200	4	40	40	NUM
framr-2919	200	5	)	)	PUNCT
framr-2919	200	6	=	=	PUNCT
framr-2919	200	7	92.20	92.20	NUM
framr-2919	200	8	%	%	NOUN
framr-2919	200	9	,	,	PUNCT
framr-2919	200	10	tpr	tpr	NOUN
framr-2919	200	11	or	or	CCONJ
framr-2919	200	12	sensitivity	sensitivity	NOUN
framr-2919	200	13	or	or	CCONJ
framr-2919	200	14	recall	recall	NOUN
framr-2919	200	15	was	be	AUX
framr-2919	200	16	the	the	DET
framr-2919	200	17	percentage	percentage	NOUN
framr-2919	200	18	of	of	ADP
framr-2919	200	19	correctly	correctly	ADV
framr-2919	200	20	classified	classified	ADJ
framr-2919	200	21	cases	case	NOUN
framr-2919	200	22	of	of	ADP
framr-2919	200	23	creditworthiness	creditworthiness	NOUN
framr-2919	200	24	.	.	PUNCT
framr-2919	201	1	on	on	ADP
framr-2919	201	2	the	the	DET
framr-2919	201	3	lr	lr	PROPN
framr-2919	201	4	model	model	NOUN
framr-2919	201	5	it	it	PRON
framr-2919	201	6	shown	show	VERB
framr-2919	201	7	470	470	NUM
framr-2919	201	8	/(470	/(470	NOUN
framr-2919	201	9	+	+	NOUN
framr-2919	201	10	41	41	NUM
framr-2919	201	11	)	)	PUNCT
framr-2919	201	12	=	=	PUNCT
framr-2919	202	1	91.98	91.98	NUM
framr-2919	202	2	%	%	NOUN
framr-2919	202	3	.	.	PUNCT
framr-2919	203	1	true	true	ADJ
framr-2919	203	2	negative	negative	ADJ
framr-2919	203	3	rate	rate	NOUN
framr-2919	203	4	(	(	PUNCT
framr-2919	203	5	tnr	tnr	PROPN
framr-2919	203	6	)	)	PUNCT
framr-2919	203	7	=	=	NOUN
framr-2919	204	1	43	43	NUM
framr-2919	204	2	/(43	/(43	PUNCT
framr-2919	205	1	+	+	NOUN
framr-2919	205	2	28	28	NUM
framr-2919	205	3	)	)	PUNCT
framr-2919	206	1	=	=	PUNCT
framr-2919	206	2	60.56	60.56	NUM
framr-2919	206	3	%	%	NOUN
framr-2919	206	4	,	,	PUNCT
framr-2919	206	5	tnr	tnr	PROPN
framr-2919	206	6	or	or	CCONJ
framr-2919	206	7	specificity	specificity	NOUN
framr-2919	206	8	was	be	AUX
framr-2919	206	9	the	the	DET
framr-2919	206	10	percentage	percentage	NOUN
framr-2919	206	11	of	of	ADP
framr-2919	206	12	correctly	correctly	ADV
framr-2919	206	13	classified	classified	ADJ
framr-2919	206	14	cases	case	NOUN
framr-2919	206	15	.	.	PUNCT
framr-2919	207	1	on	on	ADP
framr-2919	207	2	the	the	DET
framr-2919	207	3	lr	lr	PROPN
framr-2919	207	4	model	model	NOUN
framr-2919	207	5	,	,	PUNCT
framr-2919	207	6	it	it	PRON
framr-2919	207	7	shown	show	VERB
framr-2919	207	8	42	42	NUM
framr-2919	207	9	/(42	/(42	NOUN
framr-2919	207	10	+	+	NOUN
framr-2919	207	11	31	31	NUM
framr-2919	207	12	)	)	PUNCT
framr-2919	207	13	=	=	PUNCT
framr-2919	207	14	57.53	57.53	NUM
framr-2919	207	15	%	%	NOUN
framr-2919	207	16	.	.	PUNCT
framr-2919	208	1	tpr	tpr	PROPN
framr-2919	208	2	was	be	AUX
framr-2919	208	3	the	the	DET
framr-2919	208	4	number	number	NOUN
framr-2919	208	5	of	of	ADP
framr-2919	208	6	positive	positive	ADJ
framr-2919	208	7	examples	example	NOUN
framr-2919	208	8	classified	classify	VERB
framr-2919	208	9	as	as	ADP
framr-2919	208	10	positive	positive	ADJ
framr-2919	208	11	,	,	PUNCT
framr-2919	208	12	and	and	CCONJ
framr-2919	208	13	tnr	tnr	PROPN
framr-2919	208	14	was	be	AUX
framr-2919	208	15	the	the	DET
framr-2919	208	16	number	number	NOUN
framr-2919	208	17	of	of	ADP
framr-2919	208	18	negative	negative	ADJ
framr-2919	208	19	examples	example	NOUN
framr-2919	208	20	classified	classify	VERB
framr-2919	208	21	as	as	ADP
framr-2919	208	22	negative	negative	ADJ
framr-2919	208	23	.	.	PUNCT
framr-2919	209	1	on	on	ADP
framr-2919	209	2	the	the	DET
framr-2919	209	3	other	other	ADJ
framr-2919	209	4	hand	hand	NOUN
framr-2919	209	5	,	,	PUNCT
framr-2919	209	6	precision	precision	NOUN
framr-2919	209	7	refers	refer	VERB
framr-2919	209	8	to	to	ADP
framr-2919	209	9	the	the	DET
framr-2919	209	10	degree	degree	NOUN
framr-2919	209	11	of	of	ADP
framr-2919	209	12	agreement	agreement	NOUN
framr-2919	209	13	between	between	ADP
framr-2919	209	14	the	the	DET
framr-2919	209	15	desired	desire	VERB
framr-2919	209	16	data	datum	NOUN
framr-2919	209	17	and	and	CCONJ
framr-2919	209	18	the	the	DET
framr-2919	209	19	model	model	NOUN
framr-2919	209	20	's	's	PART
framr-2919	209	21	predicted	predict	VERB
framr-2919	209	22	outputs	output	NOUN
framr-2919	209	23	.	.	PUNCT
framr-2919	210	1	consequently	consequently	ADV
framr-2919	210	2	,	,	PUNCT
framr-2919	210	3	precision	precision	NOUN
framr-2919	210	4	was	be	AUX
framr-2919	210	5	defined	define	VERB
framr-2919	210	6	as	as	ADP
framr-2919	210	7	the	the	DET
framr-2919	210	8	ratio	ratio	NOUN
framr-2919	210	9	of	of	ADP
framr-2919	210	10	accurate	accurate	ADJ
framr-2919	210	11	positive	positive	ADJ
framr-2919	210	12	predictions	prediction	NOUN
framr-2919	210	13	to	to	PART
framr-2919	210	14	correct	correct	VERB
framr-2919	210	15	positive	positive	ADJ
framr-2919	210	16	expected	expected	ADJ
framr-2919	210	17	outcomes	outcome	NOUN
framr-2919	210	18	.	.	PUNCT
framr-2919	211	1	of	of	ADP
framr-2919	211	2	all	all	DET
framr-2919	211	3	the	the	DET
framr-2919	211	4	positive	positive	ADJ
framr-2919	211	5	classes	class	NOUN
framr-2919	211	6	that	that	PRON
framr-2919	211	7	have	have	AUX
framr-2919	211	8	been	be	AUX
framr-2919	211	9	correctly	correctly	ADV
framr-2919	211	10	predicted	predict	VERB
framr-2919	211	11	,	,	PUNCT
framr-2919	211	12	how	how	SCONJ
framr-2919	211	13	many	many	ADJ
framr-2919	211	14	data	datum	NOUN
framr-2919	211	15	were	be	AUX
framr-2919	211	16	truly	truly	ADV
framr-2919	211	17	positive	positive	ADJ
framr-2919	211	18	.	.	PUNCT
framr-2919	212	1	the	the	DET
framr-2919	212	2	tp	tp	PROPN
framr-2919	212	3	/	/	SYM
framr-2919	212	4	(	(	PUNCT
framr-2919	212	5	tp+fp	tp+fp	NOUN
framr-2919	212	6	)	)	PUNCT
framr-2919	212	7	equation	equation	NOUN
framr-2919	212	8	can	can	AUX
framr-2919	212	9	obtain	obtain	VERB
framr-2919	212	10	the	the	DET
framr-2919	212	11	precision	precision	NOUN
framr-2919	212	12	value	value	NOUN
framr-2919	212	13	.	.	PUNCT
framr-2919	213	1	from	from	ADP
framr-2919	213	2	the	the	DET
framr-2919	213	3	binary	binary	ADJ
framr-2919	213	4	classification	classification	NOUN
framr-2919	213	5	confusion	confusion	NOUN
framr-2919	213	6	matrix	matrix	NOUN
framr-2919	213	7	example	example	NOUN
framr-2919	213	8	above	above	ADP
framr-2919	213	9	,	,	PUNCT
framr-2919	213	10	financial	financial	ADJ
framr-2919	213	11	risk	risk	NOUN
framr-2919	213	12	and	and	CCONJ
framr-2919	213	13	management	management	NOUN
framr-2919	213	14	reviews	review	NOUN
framr-2919	213	15	,	,	PUNCT
framr-2919	213	16	2022	2022	NUM
framr-2919	213	17	,	,	PUNCT
framr-2919	213	18	8(1	8(1	NOUN
framr-2919	213	19	):	):	PUNCT
framr-2919	213	20	1	1	NUM
framr-2919	213	21	-	-	SYM
framr-2919	213	22	11	11	NUM
framr-2919	213	23	8	8	NUM
framr-2919	213	24	©	©	PROPN
framr-2919	213	25	2022	2022	NUM
framr-2919	213	26	conscientia	conscientia	PROPN
framr-2919	213	27	beam	beam	PROPN
framr-2919	213	28	.	.	PUNCT
framr-2919	214	1	all	all	DET
framr-2919	214	2	rights	right	NOUN
framr-2919	214	3	reserved	reserve	VERB
framr-2919	214	4	.	.	PUNCT
framr-2919	215	1	calculating	calculate	VERB
framr-2919	215	2	the	the	DET
framr-2919	215	3	precision	precision	NOUN
framr-2919	215	4	value	value	NOUN
framr-2919	215	5	can	can	AUX
framr-2919	215	6	answer	answer	VERB
framr-2919	215	7	the	the	DET
framr-2919	215	8	question	question	NOUN
framr-2919	215	9	,	,	PUNCT
framr-2919	215	10	what	what	DET
framr-2919	215	11	percentage	percentage	NOUN
framr-2919	215	12	of	of	ADP
framr-2919	215	13	customers	customer	NOUN
framr-2919	215	14	were	be	AUX
framr-2919	215	15	correct	correct	ADJ
framr-2919	215	16	to	to	PART
framr-2919	215	17	default	default	VERB
framr-2919	215	18	out	out	ADP
framr-2919	215	19	of	of	ADP
framr-2919	215	20	all	all	DET
framr-2919	215	21	customers	customer	NOUN
framr-2919	215	22	predicted	predict	VERB
framr-2919	215	23	to	to	PART
framr-2919	215	24	default	default	VERB
framr-2919	215	25	?	?	PUNCT
framr-2919	216	1	the	the	DET
framr-2919	216	2	answer	answer	NOUN
framr-2919	216	3	for	for	ADP
framr-2919	216	4	the	the	DET
framr-2919	216	5	precision	precision	NOUN
framr-2919	216	6	rate	rate	NOUN
framr-2919	216	7	of	of	ADP
framr-2919	216	8	ann	ann	PROPN
framr-2919	216	9	were	be	AUX
framr-2919	216	10	473	473	NUM
framr-2919	216	11	/	/	SYM
framr-2919	216	12	(	(	PUNCT
framr-2919	216	13	473	473	NUM
framr-2919	216	14	+	+	NUM
framr-2919	216	15	28	28	NUM
framr-2919	216	16	)	)	PUNCT
framr-2919	216	17	=	=	PUNCT
framr-2919	216	18	94.41	94.41	NUM
framr-2919	216	19	%	%	NOUN
framr-2919	216	20	and	and	CCONJ
framr-2919	216	21	on	on	ADP
framr-2919	216	22	lr	lr	PROPN
framr-2919	216	23	model	model	NOUN
framr-2919	216	24	470	470	NUM
framr-2919	216	25	/	/	SYM
framr-2919	216	26	(	(	PUNCT
framr-2919	216	27	470	470	NUM
framr-2919	216	28	+	+	CCONJ
framr-2919	216	29	31	31	NUM
framr-2919	216	30	)	)	PUNCT
framr-2919	216	31	=	=	PUNCT
framr-2919	217	1	93.81	93.81	NUM
framr-2919	217	2	%	%	NOUN
framr-2919	217	3	.	.	PUNCT
framr-2919	218	1	based	base	VERB
framr-2919	218	2	on	on	ADP
framr-2919	218	3	lessmann	lessmann	PROPN
framr-2919	218	4	et	et	PROPN
framr-2919	218	5	al	al	PROPN
framr-2919	218	6	.	.	PROPN
framr-2919	219	1	(	(	PUNCT
framr-2919	219	2	2015	2015	NUM
framr-2919	219	3	)	)	PUNCT
framr-2919	219	4	the	the	DET
framr-2919	219	5	authors	author	NOUN
framr-2919	219	6	need	need	VERB
framr-2919	219	7	to	to	PART
framr-2919	219	8	build	build	VERB
framr-2919	219	9	evaluation	evaluation	NOUN
framr-2919	219	10	criteria	criterion	NOUN
framr-2919	219	11	to	to	PART
framr-2919	219	12	quantify	quantify	VERB
framr-2919	219	13	the	the	DET
framr-2919	219	14	misclassification	misclassification	NOUN
framr-2919	219	15	of	of	ADP
framr-2919	219	16	default	default	NOUN
framr-2919	219	17	assessment	assessment	NOUN
framr-2919	219	18	models	model	NOUN
framr-2919	219	19	.	.	PUNCT
framr-2919	220	1	this	this	DET
framr-2919	220	2	article	article	NOUN
framr-2919	220	3	utilized	utilize	VERB
framr-2919	220	4	this	this	DET
framr-2919	220	5	relative	relative	ADJ
framr-2919	220	6	ratio	ratio	NOUN
framr-2919	220	7	to	to	PART
framr-2919	220	8	create	create	VERB
framr-2919	220	9	a	a	DET
framr-2919	220	10	cost	cost	NOUN
framr-2919	220	11	indicator	indicator	NOUN
framr-2919	220	12	that	that	PRON
framr-2919	220	13	indicates	indicate	VERB
framr-2919	220	14	the	the	DET
framr-2919	220	15	credit	credit	NOUN
framr-2919	220	16	risk	risk	NOUN
framr-2919	220	17	assessment	assessment	NOUN
framr-2919	220	18	model	model	NOUN
framr-2919	220	19	's	's	PART
framr-2919	220	20	misclassification	misclassification	NOUN
framr-2919	220	21	cost	cost	NOUN
framr-2919	220	22	.	.	PUNCT
framr-2919	221	1	we	we	PRON
framr-2919	221	2	also	also	ADV
framr-2919	221	3	constructed	construct	VERB
framr-2919	221	4	the	the	DET
framr-2919	221	5	cost	cost	NOUN
framr-2919	221	6	of	of	ADP
framr-2919	221	7	credit	credit	NOUN
framr-2919	221	8	risk	risk	NOUN
framr-2919	221	9	as	as	ADP
framr-2919	221	10	false	false	ADJ
framr-2919	221	11	negative	negative	ADJ
framr-2919	221	12	rate	rate	NOUN
framr-2919	221	13	(	(	PUNCT
framr-2919	221	14	fnr	fnr	NOUN
framr-2919	221	15	)	)	PUNCT
framr-2919	221	16	=	=	SYM
framr-2919	221	17	fn	fn	NOUN
framr-2919	221	18	/	/	SYM
framr-2919	221	19	(	(	PUNCT
framr-2919	221	20	fn	fn	NOUN
framr-2919	221	21	+	+	X
framr-2919	221	22	tp	tp	NOUN
framr-2919	221	23	)	)	PUNCT
framr-2919	221	24	=	=	PUNCT
framr-2919	222	1	40/(40	40/(40	NUM
framr-2919	222	2	+	+	NOUN
framr-2919	222	3	743	743	NUM
framr-2919	222	4	)	)	PUNCT
framr-2919	222	5	=	=	SYM
framr-2919	223	1	7.80	7.80	NUM
framr-2919	223	2	%	%	NOUN
framr-2919	223	3	and	and	CCONJ
framr-2919	223	4	false	false	ADJ
framr-2919	223	5	positive	positive	ADJ
framr-2919	223	6	rate	rate	NOUN
framr-2919	223	7	(	(	PUNCT
framr-2919	223	8	fpr	fpr	NOUN
framr-2919	223	9	)	)	PUNCT
framr-2919	223	10	=	=	SYM
framr-2919	223	11	fp	fp	PROPN
framr-2919	223	12	/	/	SYM
framr-2919	223	13	(	(	PUNCT
framr-2919	223	14	fp	fp	X
framr-2919	223	15	+	+	NUM
framr-2919	223	16	tn	tn	NOUN
framr-2919	223	17	)	)	PUNCT
framr-2919	223	18	=	=	SYM
framr-2919	223	19	28	28	NUM
framr-2919	223	20	/	/	SYM
framr-2919	223	21	(	(	PUNCT
framr-2919	223	22	28	28	NUM
framr-2919	223	23	+	+	NOUN
framr-2919	223	24	43	43	NUM
framr-2919	223	25	)	)	PUNCT
framr-2919	223	26	=	=	PUNCT
framr-2919	223	27	5.59	5.59	NUM
framr-2919	223	28	%	%	NOUN
framr-2919	223	29	.	.	PUNCT
framr-2919	224	1	on	on	ADP
framr-2919	224	2	the	the	DET
framr-2919	224	3	other	other	ADJ
framr-2919	224	4	hand	hand	NOUN
framr-2919	224	5	,	,	PUNCT
framr-2919	224	6	fnr	fnr	PROPN
framr-2919	224	7	and	and	CCONJ
framr-2919	224	8	fpr	fpr	VERB
framr-2919	224	9	on	on	ADP
framr-2919	224	10	the	the	DET
framr-2919	224	11	lr	lr	NOUN
framr-2919	224	12	model	model	NOUN
framr-2919	224	13	were	be	AUX
framr-2919	224	14	8.02	8.02	NUM
framr-2919	224	15	%	%	NOUN
framr-2919	224	16	and	and	CCONJ
framr-2919	224	17	6.19	6.19	NUM
framr-2919	224	18	%	%	NOUN
framr-2919	224	19	,	,	PUNCT
framr-2919	224	20	respectively	respectively	ADV
framr-2919	224	21	.	.	PUNCT
framr-2919	225	1	fnr	fnr	PROPN
framr-2919	225	2	was	be	AUX
framr-2919	225	3	the	the	DET
framr-2919	225	4	number	number	NOUN
framr-2919	225	5	of	of	ADP
framr-2919	225	6	positive	positive	ADJ
framr-2919	225	7	examples	example	NOUN
framr-2919	225	8	classified	classify	VERB
framr-2919	225	9	as	as	ADP
framr-2919	225	10	negative	negative	ADJ
framr-2919	225	11	(	(	PUNCT
framr-2919	225	12	i.e.	i.e.	X
framr-2919	225	13	,	,	PUNCT
framr-2919	225	14	type	type	NOUN
framr-2919	225	15	i	i	PRON
framr-2919	225	16	error	error	NOUN
framr-2919	225	17	)	)	PUNCT
framr-2919	225	18	,	,	PUNCT
framr-2919	225	19	and	and	CCONJ
framr-2919	225	20	fpr	fpr	NOUN
framr-2919	225	21	was	be	AUX
framr-2919	225	22	the	the	DET
framr-2919	225	23	number	number	NOUN
framr-2919	225	24	of	of	ADP
framr-2919	225	25	negative	negative	ADJ
framr-2919	225	26	examples	example	NOUN
framr-2919	225	27	classified	classify	VERB
framr-2919	225	28	as	as	ADP
framr-2919	225	29	positive	positive	ADJ
framr-2919	225	30	(	(	PUNCT
framr-2919	225	31	i.e.	i.e.	X
framr-2919	225	32	,	,	PUNCT
framr-2919	225	33	type	type	NOUN
framr-2919	225	34	ii	ii	NOUN
framr-2919	225	35	error	error	NOUN
framr-2919	225	36	)	)	PUNCT
framr-2919	225	37	.	.	PUNCT
framr-2919	226	1	lessmann	lessmann	PROPN
framr-2919	226	2	reported	report	VERB
framr-2919	226	3	that	that	SCONJ
framr-2919	226	4	the	the	DET
framr-2919	226	5	ratio	ratio	NOUN
framr-2919	226	6	of	of	ADP
framr-2919	226	7	misclassification	misclassification	NOUN
framr-2919	226	8	costs	cost	NOUN
framr-2919	226	9	associated	associate	VERB
framr-2919	226	10	with	with	ADP
framr-2919	226	11	type	type	NOUN
framr-2919	226	12	ii	ii	NOUN
framr-2919	226	13	and	and	CCONJ
framr-2919	226	14	type	type	NOUN
framr-2919	226	15	i	i	PRON
framr-2919	226	16	errors	error	NOUN
framr-2919	226	17	was	be	AUX
framr-2919	226	18	5:1	5:1	NUM
framr-2919	226	19	,	,	PUNCT
framr-2919	226	20	which	which	PRON
framr-2919	226	21	(	(	PUNCT
framr-2919	226	22	abdou	abdou	PROPN
framr-2919	226	23	,	,	PUNCT
framr-2919	226	24	2009	2009	NUM
framr-2919	226	25	)	)	PUNCT
framr-2919	226	26	used	use	VERB
framr-2919	226	27	.	.	PUNCT
framr-2919	227	1	hence	hence	ADV
framr-2919	227	2	the	the	DET
framr-2919	227	3	cost	cost	NOUN
framr-2919	227	4	of	of	ADP
framr-2919	227	5	credit	credit	NOUN
framr-2919	227	6	risk	risk	NOUN
framr-2919	227	7	become	become	VERB
framr-2919	227	8	=	=	SYM
framr-2919	227	9	5	5	NUM
framr-2919	227	10	x	x	SYM
framr-2919	227	11	(	(	PUNCT
framr-2919	227	12	7.80	7.80	NUM
framr-2919	227	13	%	%	NOUN
framr-2919	227	14	+	+	CCONJ
framr-2919	227	15	5.59	5.59	NUM
framr-2919	227	16	%	%	NOUN
framr-2919	227	17	)	)	PUNCT
framr-2919	227	18	or	or	CCONJ
framr-2919	227	19	66.93	66.93	NUM
framr-2919	227	20	%	%	NOUN
framr-2919	227	21	based	base	VERB
framr-2919	227	22	on	on	ADP
framr-2919	227	23	ann	ann	PROPN
framr-2919	227	24	model	model	NOUN
framr-2919	227	25	and	and	CCONJ
framr-2919	227	26	71.06	71.06	NUM
framr-2919	227	27	%	%	NOUN
framr-2919	227	28	based	base	VERB
framr-2919	227	29	on	on	ADP
framr-2919	227	30	lr	lr	PROPN
framr-2919	227	31	model	model	NOUN
framr-2919	227	32	.	.	PUNCT
framr-2919	228	1	a	a	DET
framr-2919	228	2	roc	roc	PROPN
framr-2919	228	3	curve	curve	NOUN
framr-2919	228	4	(	(	PUNCT
framr-2919	228	5	receiver	receiver	ADV
framr-2919	228	6	operating	operate	VERB
framr-2919	228	7	characteristic	characteristic	ADJ
framr-2919	228	8	curve	curve	NOUN
framr-2919	228	9	)	)	PUNCT
framr-2919	228	10	showed	show	VERB
framr-2919	228	11	the	the	DET
framr-2919	228	12	classification	classification	NOUN
framr-2919	228	13	performance	performance	NOUN
framr-2919	228	14	.	.	PUNCT
framr-2919	229	1	the	the	DET
framr-2919	229	2	receiver	receiver	ADJ
framr-2919	229	3	operating	operate	VERB
framr-2919	229	4	characteristics	characteristic	NOUN
framr-2919	229	5	(	(	PUNCT
framr-2919	229	6	roc	roc	PROPN
framr-2919	229	7	)	)	PUNCT
framr-2919	229	8	curve	curve	NOUN
framr-2919	229	9	,	,	PUNCT
framr-2919	229	10	which	which	PRON
framr-2919	229	11	shows	show	VERB
framr-2919	229	12	the	the	DET
framr-2919	229	13	false	false	ADJ
framr-2919	229	14	positive	positive	ADJ
framr-2919	229	15	rate	rate	NOUN
framr-2919	229	16	(	(	PUNCT
framr-2919	229	17	fpr	fpr	NOUN
framr-2919	229	18	)	)	PUNCT
framr-2919	229	19	on	on	ADP
framr-2919	229	20	the	the	DET
framr-2919	229	21	y	y	NOUN
framr-2919	229	22	-	-	PUNCT
framr-2919	229	23	axis	axis	NOUN
framr-2919	229	24	versus	versus	ADP
framr-2919	229	25	the	the	DET
framr-2919	229	26	true	true	ADJ
framr-2919	229	27	positive	positive	ADJ
framr-2919	229	28	rate	rate	NOUN
framr-2919	229	29	(	(	PUNCT
framr-2919	229	30	tpr	tpr	NOUN
framr-2919	229	31	)	)	PUNCT
framr-2919	229	32	on	on	ADP
framr-2919	229	33	the	the	DET
framr-2919	229	34	x	x	NOUN
framr-2919	229	35	-	-	NOUN
framr-2919	229	36	axis	axis	NOUN
framr-2919	229	37	over	over	ADP
framr-2919	229	38	a	a	DET
framr-2919	229	39	range	range	NOUN
framr-2919	229	40	of	of	ADP
framr-2919	229	41	threshold	threshold	NOUN
framr-2919	229	42	values	value	NOUN
framr-2919	229	43	,	,	PUNCT
framr-2919	229	44	was	be	AUX
framr-2919	229	45	formerly	formerly	ADV
framr-2919	229	46	a	a	DET
framr-2919	229	47	standard	standard	ADJ
framr-2919	229	48	technique	technique	NOUN
framr-2919	229	49	.	.	PUNCT
framr-2919	230	1	figure	figure	NOUN
framr-2919	230	2	3	3	NUM
framr-2919	230	3	.	.	PUNCT
framr-2919	231	1	roc	roc	PROPN
framr-2919	231	2	curve	curve	PROPN
framr-2919	231	3	–	–	PUNCT
framr-2919	231	4	artificial	artificial	ADJ
framr-2919	231	5	neural	neural	ADJ
framr-2919	231	6	network	network	NOUN
framr-2919	231	7	&	&	CCONJ
framr-2919	231	8	logit	logit	PROPN
framr-2919	231	9	model	model	PROPN
framr-2919	231	10	.	.	PUNCT
framr-2919	232	1	simultaneously	simultaneously	ADV
framr-2919	232	2	,	,	PUNCT
framr-2919	232	3	the	the	DET
framr-2919	232	4	ann	ann	PROPN
framr-2919	232	5	algorithm	algorithm	NOUN
framr-2919	232	6	-	-	PUNCT
framr-2919	232	7	based	base	VERB
framr-2919	232	8	model	model	NOUN
framr-2919	232	9	showed	show	VERB
framr-2919	232	10	the	the	DET
framr-2919	232	11	best	good	ADJ
framr-2919	232	12	result	result	NOUN
framr-2919	232	13	under	under	ADP
framr-2919	232	14	the	the	DET
framr-2919	232	15	roc	roc	PROPN
framr-2919	232	16	curve	curve	NOUN
framr-2919	232	17	metric	metric	ADJ
framr-2919	232	18	in	in	ADP
framr-2919	232	19	the	the	DET
framr-2919	232	20	other	other	ADJ
framr-2919	232	21	area	area	NOUN
framr-2919	232	22	.	.	PUNCT
framr-2919	233	1	the	the	DET
framr-2919	233	2	ideal	ideal	ADJ
framr-2919	233	3	roc	roc	PROPN
framr-2919	233	4	curve	curve	NOUN
framr-2919	233	5	is	be	AUX
framr-2919	233	6	parallel	parallel	ADJ
framr-2919	233	7	to	to	ADP
framr-2919	233	8	the	the	DET
framr-2919	233	9	y	y	NOUN
framr-2919	233	10	-	-	PUNCT
framr-2919	233	11	axis	axis	NOUN
framr-2919	233	12	,	,	PUNCT
framr-2919	233	13	which	which	PRON
framr-2919	233	14	is	be	AUX
framr-2919	233	15	impossible	impossible	ADJ
framr-2919	233	16	to	to	PART
framr-2919	233	17	accomplish	accomplish	VERB
framr-2919	233	18	in	in	ADP
framr-2919	233	19	practice	practice	NOUN
framr-2919	233	20	.	.	PUNCT
framr-2919	234	1	the	the	DET
framr-2919	234	2	model	model	NOUN
framr-2919	234	3	that	that	PRON
framr-2919	234	4	comes	come	VERB
framr-2919	234	5	closest	close	ADJ
framr-2919	234	6	to	to	ADP
framr-2919	234	7	it	it	PRON
framr-2919	234	8	will	will	AUX
framr-2919	234	9	be	be	AUX
framr-2919	234	10	the	the	DET
framr-2919	234	11	best	good	ADJ
framr-2919	234	12	.	.	PUNCT
framr-2919	235	1	under	under	ADP
framr-2919	235	2	the	the	DET
framr-2919	235	3	roc	roc	PROPN
framr-2919	235	4	curve	curve	NOUN
framr-2919	235	5	value	value	NOUN
framr-2919	235	6	(	(	PUNCT
framr-2919	235	7	auroc	auroc	NOUN
framr-2919	235	8	)	)	PUNCT
framr-2919	235	9	,	,	PUNCT
framr-2919	235	10	a	a	DET
framr-2919	235	11	number	number	NOUN
framr-2919	235	12	between	between	ADP
framr-2919	235	13	0	0	NUM
framr-2919	235	14	and	and	CCONJ
framr-2919	235	15	1	1	NUM
framr-2919	235	16	was	be	AUX
framr-2919	235	17	traditionally	traditionally	ADV
framr-2919	235	18	used	use	VERB
framr-2919	235	19	to	to	PART
framr-2919	235	20	summarize	summarize	VERB
framr-2919	235	21	the	the	DET
framr-2919	235	22	roc	roc	PROPN
framr-2919	235	23	curve	curve	NOUN
framr-2919	235	24	.	.	PUNCT
framr-2919	236	1	the	the	DET
framr-2919	236	2	better	well	ADJ
framr-2919	236	3	the	the	DET
framr-2919	236	4	model	model	NOUN
framr-2919	236	5	,	,	PUNCT
framr-2919	236	6	the	the	PRON
framr-2919	236	7	greater	great	ADJ
framr-2919	236	8	the	the	DET
framr-2919	236	9	auroc	auroc	NOUN
framr-2919	236	10	.	.	PUNCT
framr-2919	237	1	auc	auc	PROPN
framr-2919	237	2	was	be	AUX
framr-2919	237	3	a	a	DET
framr-2919	237	4	composite	composite	ADJ
framr-2919	237	5	measure	measure	NOUN
framr-2919	237	6	of	of	ADP
framr-2919	237	7	success	success	NOUN
framr-2919	237	8	that	that	PRON
framr-2919	237	9	considers	consider	VERB
framr-2919	237	10	all	all	DET
framr-2919	237	11	possible	possible	ADJ
framr-2919	237	12	classification	classification	NOUN
framr-2919	237	13	thresholds	threshold	NOUN
framr-2919	237	14	.	.	PUNCT
framr-2919	238	1	the	the	DET
framr-2919	238	2	model	model	NOUN
framr-2919	238	3	's	's	PART
framr-2919	238	4	likelihood	likelihood	NOUN
framr-2919	238	5	rates	rate	NOUN
framr-2919	238	6	a	a	DET
framr-2919	238	7	random	random	ADJ
framr-2919	238	8	positive	positive	ADJ
framr-2919	238	9	example	example	NOUN
framr-2919	238	10	higher	high	ADJ
framr-2919	238	11	than	than	ADP
framr-2919	238	12	a	a	DET
framr-2919	238	13	random	random	ADJ
framr-2919	238	14	negative	negative	ADJ
framr-2919	238	15	example	example	NOUN
framr-2919	238	16	was	be	AUX
framr-2919	238	17	one	one	NUM
framr-2919	238	18	way	way	NOUN
framr-2919	238	19	to	to	PART
framr-2919	238	20	view	view	VERB
framr-2919	238	21	auc	auc	NOUN
framr-2919	238	22	.	.	PUNCT
framr-2919	239	1	a	a	DET
framr-2919	239	2	receiver	receiver	ADJ
framr-2919	239	3	operating	operate	VERB
framr-2919	239	4	characteristic	characteristic	ADJ
framr-2919	239	5	curve	curve	NOUN
framr-2919	239	6	(	(	PUNCT
framr-2919	239	7	roc	roc	PROPN
framr-2919	239	8	curve	curve	NOUN
framr-2919	239	9	)	)	PUNCT
framr-2919	239	10	was	be	AUX
framr-2919	239	11	a	a	DET
framr-2919	239	12	graph	graph	NOUN
framr-2919	239	13	that	that	PRON
framr-2919	239	14	shows	show	VERB
framr-2919	239	15	how	how	SCONJ
framr-2919	239	16	well	well	ADV
framr-2919	239	17	a	a	DET
framr-2919	239	18	classification	classification	NOUN
framr-2919	239	19	model	model	NOUN
framr-2919	239	20	performs	perform	VERB
framr-2919	239	21	overall	overall	ADJ
framr-2919	239	22	classification	classification	NOUN
framr-2919	239	23	thresholds	threshold	NOUN
framr-2919	239	24	.	.	PUNCT
framr-2919	240	1	two	two	NUM
framr-2919	240	2	parameters	parameter	NOUN
framr-2919	240	3	were	be	AUX
framr-2919	240	4	plotted	plot	VERB
framr-2919	240	5	on	on	ADP
framr-2919	240	6	this	this	DET
framr-2919	240	7	curve	curve	NOUN
framr-2919	240	8	.	.	PUNCT
framr-2919	241	1	tpr	tpr	PROPN
framr-2919	241	2	vs.	vs.	X
framr-2919	241	3	fpr	fpr	NOUN
framr-2919	241	4	was	be	AUX
framr-2919	241	5	plotted	plot	VERB
framr-2919	241	6	on	on	ADP
framr-2919	241	7	a	a	DET
framr-2919	241	8	roc	roc	PROPN
framr-2919	241	9	curve	curve	NOUN
framr-2919	241	10	at	at	ADP
framr-2919	241	11	various	various	ADJ
framr-2919	241	12	classification	classification	NOUN
framr-2919	241	13	thresholds	threshold	NOUN
framr-2919	241	14	.	.	PUNCT
framr-2919	242	1	lowering	lower	VERB
framr-2919	242	2	the	the	DET
framr-2919	242	3	classification	classification	NOUN
framr-2919	242	4	threshold	threshold	NOUN
framr-2919	242	5	causes	cause	VERB
framr-2919	242	6	more	more	ADJ
framr-2919	242	7	things	thing	NOUN
framr-2919	242	8	to	to	PART
framr-2919	242	9	be	be	AUX
framr-2919	242	10	classified	classify	VERB
framr-2919	242	11	as	as	ADP
framr-2919	242	12	positive	positive	ADJ
framr-2919	242	13	,	,	PUNCT
framr-2919	242	14	resulting	result	VERB
framr-2919	242	15	in	in	ADP
framr-2919	242	16	more	more	ADV
framr-2919	242	17	false	false	ADJ
framr-2919	242	18	positives	positive	NOUN
framr-2919	242	19	and	and	CCONJ
framr-2919	242	20	true	true	ADJ
framr-2919	242	21	positives	positive	NOUN
framr-2919	242	22	.	.	PUNCT
framr-2919	243	1	a	a	DET
framr-2919	243	2	typical	typical	ADJ
framr-2919	243	3	roc	roc	PROPN
framr-2919	243	4	curve	curve	NOUN
framr-2919	243	5	for	for	ADP
framr-2919	243	6	ann	ann	PROPN
framr-2919	243	7	was	be	AUX
framr-2919	243	8	0.73	0.73	NUM
framr-2919	243	9	,	,	PUNCT
framr-2919	243	10	and	and	CCONJ
framr-2919	243	11	lr	lr	PROPN
framr-2919	243	12	was	be	AUX
framr-2919	243	13	at	at	ADP
framr-2919	243	14	0.72	0.72	NUM
framr-2919	243	15	,	,	PUNCT
framr-2919	243	16	shown	show	VERB
framr-2919	243	17	in	in	ADP
framr-2919	243	18	figure	figure	NOUN
framr-2919	243	19	3	3	NUM
framr-2919	243	20	.	.	NOUN
framr-2919	243	21	4.2	4.2	NUM
framr-2919	243	22	.	.	PUNCT
framr-2919	244	1	creditworthiness	creditworthiness	PROPN
framr-2919	244	2	success	success	NOUN
framr-2919	244	3	analysis	analysis	NOUN
framr-2919	244	4	logistic	logistic	ADJ
framr-2919	244	5	regression	regression	NOUN
framr-2919	244	6	was	be	AUX
framr-2919	244	7	a	a	DET
framr-2919	244	8	subset	subset	NOUN
framr-2919	244	9	of	of	ADP
framr-2919	244	10	a	a	DET
framr-2919	244	11	neural	neural	ADJ
framr-2919	244	12	network	network	NOUN
framr-2919	244	13	classifier	classifier	NOUN
framr-2919	244	14	.	.	PUNCT
framr-2919	245	1	the	the	DET
framr-2919	245	2	researchers	researcher	NOUN
framr-2919	245	3	can	can	AUX
framr-2919	245	4	simulate	simulate	VERB
framr-2919	245	5	a	a	DET
framr-2919	245	6	logistic	logistic	ADJ
framr-2919	245	7	regression	regression	NOUN
framr-2919	245	8	model	model	NOUN
framr-2919	245	9	using	use	VERB
framr-2919	245	10	a	a	DET
framr-2919	245	11	neural	neural	ADJ
framr-2919	245	12	network	network	NOUN
framr-2919	245	13	with	with	ADP
framr-2919	245	14	one	one	NUM
framr-2919	245	15	hidden	hide	VERB
framr-2919	245	16	node	node	NOUN
framr-2919	245	17	with	with	ADP
framr-2919	245	18	the	the	DET
framr-2919	245	19	identity	identity	NOUN
framr-2919	245	20	activation	activation	NOUN
framr-2919	245	21	function	function	NOUN
framr-2919	245	22	and	and	CCONJ
framr-2919	245	23	one	one	NUM
framr-2919	245	24	output	output	NOUN
framr-2919	245	25	node	node	NOUN
framr-2919	245	26	with	with	ADP
framr-2919	245	27	zero	zero	NUM
framr-2919	245	28	bias	bias	NOUN
framr-2919	245	29	and	and	CCONJ
framr-2919	245	30	logistic	logistic	ADJ
framr-2919	245	31	sigmoid	sigmoid	NOUN
framr-2919	245	32	activation	activation	NOUN
framr-2919	245	33	.	.	PUNCT
framr-2919	246	1	in	in	ADP
framr-2919	246	2	principle	principle	NOUN
framr-2919	246	3	,	,	PUNCT
framr-2919	246	4	anything	anything	PRON
framr-2919	246	5	researchers	researcher	NOUN
framr-2919	246	6	can	can	AUX
framr-2919	246	7	do	do	VERB
framr-2919	246	8	with	with	ADP
framr-2919	246	9	logistic	logistic	ADJ
framr-2919	246	10	regression	regression	NOUN
framr-2919	246	11	with	with	ADP
framr-2919	246	12	a	a	DET
framr-2919	246	13	neural	neural	ADJ
framr-2919	246	14	network	network	NOUN
framr-2919	246	15	.	.	PUNCT
framr-2919	247	1	therefore	therefore	ADV
framr-2919	247	2	,	,	PUNCT
framr-2919	247	3	theoretically	theoretically	ADV
framr-2919	247	4	,	,	PUNCT
framr-2919	247	5	a	a	DET
framr-2919	247	6	neural	neural	ADJ
framr-2919	247	7	network	network	NOUN
framr-2919	247	8	was	be	AUX
framr-2919	247	9	always	always	ADV
framr-2919	247	10	better	well	ADJ
framr-2919	247	11	than	than	ADP
framr-2919	247	12	logistic	logistic	ADJ
framr-2919	247	13	regression	regression	NOUN
framr-2919	247	14	,	,	PUNCT
framr-2919	247	15	or	or	CCONJ
framr-2919	247	16	more	more	ADV
framr-2919	247	17	precisely	precisely	ADV
framr-2919	247	18	,	,	PUNCT
framr-2919	247	19	a	a	DET
framr-2919	247	20	neural	neural	ADJ
framr-2919	247	21	network	network	NOUN
framr-2919	247	22	can	can	AUX
framr-2919	247	23	do	do	VERB
framr-2919	247	24	no	no	ADV
framr-2919	247	25	worse	bad	ADJ
framr-2919	247	26	than	than	ADP
framr-2919	247	27	logistic	logistic	ADJ
framr-2919	247	28	regression	regression	NOUN
framr-2919	247	29	.	.	PUNCT
framr-2919	248	1	the	the	DET
framr-2919	248	2	esco	esco	PROPN
framr-2919	248	3	was	be	AUX
framr-2919	248	4	more	more	ADV
framr-2919	248	5	worried	worried	ADJ
framr-2919	248	6	about	about	ADP
framr-2919	248	7	elements	element	NOUN
framr-2919	248	8	financial	financial	ADJ
framr-2919	248	9	risk	risk	NOUN
framr-2919	248	10	and	and	CCONJ
framr-2919	248	11	management	management	NOUN
framr-2919	248	12	reviews	review	NOUN
framr-2919	248	13	,	,	PUNCT
framr-2919	248	14	2022	2022	NUM
framr-2919	248	15	,	,	PUNCT
framr-2919	248	16	8(1	8(1	NOUN
framr-2919	248	17	):	):	PUNCT
framr-2919	248	18	1	1	NUM
framr-2919	248	19	-	-	SYM
framr-2919	248	20	11	11	NUM
framr-2919	248	21	9	9	NUM
framr-2919	248	22	©	©	PROPN
framr-2919	248	23	2022	2022	NUM
framr-2919	248	24	conscientia	conscientia	PROPN
framr-2919	248	25	beam	beam	PROPN
framr-2919	248	26	.	.	PUNCT
framr-2919	249	1	all	all	DET
framr-2919	249	2	rights	right	NOUN
framr-2919	249	3	reserved	reserve	VERB
framr-2919	249	4	.	.	PUNCT
framr-2919	250	1	that	that	PRON
framr-2919	250	2	enhance	enhance	VERB
framr-2919	250	3	the	the	DET
framr-2919	250	4	likelihood	likelihood	NOUN
framr-2919	250	5	of	of	ADP
framr-2919	250	6	successful	successful	ADJ
framr-2919	250	7	retrofitting	retrofitting	NOUN
framr-2919	250	8	than	than	ADP
framr-2919	250	9	whether	whether	SCONJ
framr-2919	250	10	the	the	DET
framr-2919	250	11	model	model	NOUN
framr-2919	250	12	correctly	correctly	ADV
framr-2919	250	13	forecasts	forecast	VERB
framr-2919	250	14	the	the	DET
framr-2919	250	15	probability	probability	NOUN
framr-2919	250	16	of	of	ADP
framr-2919	250	17	credit	credit	NOUN
framr-2919	250	18	risk	risk	NOUN
framr-2919	250	19	scoring	scoring	NOUN
framr-2919	250	20	.	.	PUNCT
framr-2919	251	1	this	this	DET
framr-2919	251	2	conclusion	conclusion	NOUN
framr-2919	251	3	was	be	AUX
framr-2919	251	4	made	make	VERB
framr-2919	251	5	under	under	ADP
framr-2919	251	6	the	the	DET
framr-2919	251	7	methods	method	NOUN
framr-2919	251	8	used	use	VERB
framr-2919	251	9	by	by	ADP
framr-2919	251	10	liang	liang	PROPN
framr-2919	251	11	and	and	CCONJ
framr-2919	251	12	he	he	PRON
framr-2919	251	13	(	(	PUNCT
framr-2919	251	14	2020	2020	NUM
framr-2919	251	15	)	)	PUNCT
framr-2919	251	16	and	and	CCONJ
framr-2919	251	17	cai	cai	PROPN
framr-2919	251	18	et	et	PROPN
framr-2919	251	19	al	al	PROPN
framr-2919	251	20	.	.	PROPN
framr-2919	252	1	(	(	PUNCT
framr-2919	252	2	2016	2016	NUM
framr-2919	252	3	)	)	PUNCT
framr-2919	253	1	to	to	PART
framr-2919	253	2	assess	assess	VERB
framr-2919	253	3	the	the	DET
framr-2919	253	4	success	success	NOUN
framr-2919	253	5	of	of	ADP
framr-2919	253	6	credit	credit	NOUN
framr-2919	253	7	risk	risk	NOUN
framr-2919	253	8	and	and	CCONJ
framr-2919	253	9	loan	loan	NOUN
framr-2919	253	10	prediction	prediction	NOUN
framr-2919	253	11	models	model	NOUN
framr-2919	254	1	.	.	PUNCT
framr-2919	255	1	thus	thus	ADV
framr-2919	255	2	we	we	PRON
framr-2919	255	3	picked	pick	VERB
framr-2919	255	4	the	the	DET
framr-2919	255	5	logistic	logistic	ADJ
framr-2919	255	6	regression	regression	NOUN
framr-2919	255	7	model	model	NOUN
framr-2919	255	8	over	over	ADP
framr-2919	255	9	a	a	DET
framr-2919	255	10	neural	neural	ADJ
framr-2919	255	11	network	network	NOUN
framr-2919	255	12	in	in	ADP
framr-2919	255	13	this	this	DET
framr-2919	255	14	part	part	NOUN
framr-2919	255	15	.	.	PUNCT
framr-2919	256	1	in	in	ADP
framr-2919	256	2	addition	addition	NOUN
framr-2919	256	3	,	,	PUNCT
framr-2919	256	4	this	this	DET
framr-2919	256	5	section	section	NOUN
framr-2919	256	6	investigates	investigate	VERB
framr-2919	256	7	all	all	DET
framr-2919	256	8	factors	factor	NOUN
framr-2919	256	9	that	that	PRON
framr-2919	256	10	influence	influence	VERB
framr-2919	256	11	the	the	DET
framr-2919	256	12	likelihood	likelihood	NOUN
framr-2919	256	13	of	of	ADP
framr-2919	256	14	effective	effective	ADJ
framr-2919	256	15	retrofitting	retrofitting	NOUN
framr-2919	256	16	.	.	PUNCT
framr-2919	257	1	table	table	NOUN
framr-2919	257	2	3	3	NUM
framr-2919	257	3	showed	show	VERB
framr-2919	257	4	the	the	DET
framr-2919	257	5	results	result	NOUN
framr-2919	257	6	of	of	ADP
framr-2919	257	7	the	the	DET
framr-2919	257	8	model	model	NOUN
framr-2919	257	9	's	's	PART
framr-2919	257	10	p	p	NOUN
framr-2919	257	11	-	-	PUNCT
framr-2919	257	12	value	value	NOUN
framr-2919	257	13	was	be	AUX
framr-2919	257	14	1,852	1,852	NUM
framr-2919	257	15	x	x	SYM
framr-2919	257	16	10	10	NUM
framr-2919	257	17	^	^	SYM
framr-2919	257	18	-187	-187	PROPN
framr-2919	257	19	,	,	PUNCT
framr-2919	257	20	which	which	PRON
framr-2919	257	21	was	be	AUX
framr-2919	257	22	less	less	ADJ
framr-2919	257	23	than	than	ADP
framr-2919	257	24	0.01	0.01	NUM
framr-2919	257	25	or	or	CCONJ
framr-2919	257	26	1	1	NUM
framr-2919	257	27	%	%	NOUN
framr-2919	257	28	as	as	SCONJ
framr-2919	257	29	was	be	AUX
framr-2919	257	30	thought	think	VERB
framr-2919	257	31	'	'	PUNCT
framr-2919	257	32	excellent	excellent	ADJ
framr-2919	257	33	.	.	PUNCT
framr-2919	258	1	the	the	DET
framr-2919	258	2	p	p	X
framr-2919	258	3	=	=	NOUN
framr-2919	258	4	value	value	NOUN
framr-2919	258	5	of	of	ADP
framr-2919	258	6	each	each	DET
framr-2919	258	7	variable	variable	NOUN
framr-2919	258	8	as	as	ADP
framr-2919	258	9	a	a	DET
framr-2919	258	10	list	list	NOUN
framr-2919	258	11	under	under	ADP
framr-2919	258	12	p>|z|	p>|z|	NOUN
framr-2919	258	13	was	be	AUX
framr-2919	258	14	less	less	ADJ
framr-2919	258	15	than	than	ADP
framr-2919	258	16	0.01	0.01	NUM
framr-2919	258	17	or	or	CCONJ
framr-2919	258	18	1	1	NUM
framr-2919	258	19	%	%	NOUN
framr-2919	258	20	.	.	PUNCT
framr-2919	259	1	pseudo	pseudo	NOUN
framr-2919	259	2	rsquared	rsquare	VERB
framr-2919	259	3	was	be	AUX
framr-2919	259	4	0.4810	0.4810	NUM
framr-2919	259	5	or	or	CCONJ
framr-2919	259	6	48.19	48.19	NUM
framr-2919	259	7	%	%	NOUN
framr-2919	259	8	.	.	PUNCT
framr-2919	260	1	from	from	ADP
framr-2919	260	2	the	the	DET
framr-2919	260	3	pseudo	pseudo	NOUN
framr-2919	260	4	-	-	PUNCT
framr-2919	260	5	r	r	NOUN
framr-2919	260	6	-	-	PUNCT
framr-2919	260	7	square	square	ADJ
framr-2919	260	8	value	value	NOUN
framr-2919	260	9	,	,	PUNCT
framr-2919	260	10	all	all	DET
framr-2919	260	11	independent	independent	ADJ
framr-2919	260	12	variables	variable	NOUN
framr-2919	260	13	'	'	PART
framr-2919	260	14	influence	influence	NOUN
framr-2919	260	15	on	on	ADP
framr-2919	260	16	dependent	dependent	ADJ
framr-2919	260	17	variables	variable	NOUN
framr-2919	260	18	(	(	PUNCT
framr-2919	260	19	retrofitting	retrofitting	NOUN
framr-2919	260	20	project	project	NOUN
framr-2919	260	21	)	)	PUNCT
framr-2919	260	22	was	be	AUX
framr-2919	260	23	48.19	48.19	NUM
framr-2919	260	24	%	%	NOUN
framr-2919	260	25	.	.	PUNCT
framr-2919	261	1	obtained	obtain	VERB
framr-2919	261	2	multinomial	multinomial	ADJ
framr-2919	261	3	logistics	logistic	NOUN
framr-2919	261	4	regression	regression	NOUN
framr-2919	261	5	model	model	NOUN
framr-2919	261	6	for	for	ADP
framr-2919	261	7	log	log	NOUN
framr-2919	261	8	category	category	NOUN
framr-2919	261	9	ratio	ratio	NOUN
framr-2919	261	10	retrofitting	retrofit	VERB
framr-2919	261	11	project=1(take	project=1(take	PROPN
framr-2919	261	12	)	)	PUNCT
framr-2919	261	13	and	and	CCONJ
framr-2919	261	14	retrofitting	retrofit	VERB
framr-2919	261	15	project	project	NOUN
framr-2919	261	16	=	=	NOUN
framr-2919	261	17	0	0	PUNCT
framr-2919	261	18	(	(	PUNCT
framr-2919	261	19	hold	hold	VERB
framr-2919	261	20	and	and	CCONJ
framr-2919	261	21	reject	reject	VERB
framr-2919	261	22	)	)	PUNCT
framr-2919	261	23	was	be	AUX
framr-2919	261	24	-6.5619	-6.5619	VERB
framr-2919	262	1	+	+	CCONJ
framr-2919	262	2	-4.0780	-4.0780	NOUN
framr-2919	262	3	(	(	PUNCT
framr-2919	262	4	project	project	NOUN
framr-2919	262	5	agreement	agreement	NOUN
framr-2919	262	6	)	)	PUNCT
framr-2919	263	1	+	+	CCONJ
framr-2919	264	1	0.5237	0.5237	NUM
framr-2919	264	2	(	(	PUNCT
framr-2919	264	3	upfront	upfront	ADJ
framr-2919	264	4	investment	investment	NOUN
framr-2919	264	5	)	)	PUNCT
framr-2919	264	6	+	+	CCONJ
framr-2919	265	1	2.0639	2.0639	NUM
framr-2919	265	2	(	(	PUNCT
framr-2919	265	3	revenue	revenue	NOUN
framr-2919	265	4	factors	factor	NOUN
framr-2919	265	5	)	)	PUNCT
framr-2919	266	1	+	+	CCONJ
framr-2919	266	2	0.4995	0.4995	PRON
framr-2919	266	3	(	(	PUNCT
framr-2919	266	4	additional	additional	ADJ
framr-2919	266	5	revenue	revenue	NOUN
framr-2919	266	6	factors	factor	NOUN
framr-2919	266	7	)	)	PUNCT
framr-2919	267	1	+	+	CCONJ
framr-2919	267	2	0.5579	0.5579	NUM
framr-2919	267	3	(	(	PUNCT
framr-2919	267	4	investment	investment	NOUN
framr-2919	267	5	return	return	NOUN
framr-2919	267	6	)	)	PUNCT
framr-2919	268	1	+	+	CCONJ
framr-2919	268	2	1.3236	1.3236	NUM
framr-2919	268	3	(	(	PUNCT
framr-2919	268	4	customer	customer	NOUN
framr-2919	268	5	)	)	PUNCT
framr-2919	268	6	0.7805	0.7805	NUM
framr-2919	268	7	(	(	PUNCT
framr-2919	268	8	type	type	NOUN
framr-2919	268	9	of	of	ADP
framr-2919	268	10	customer	customer	NOUN
framr-2919	268	11	)	)	PUNCT
framr-2919	268	12	.	.	PUNCT
framr-2919	269	1	table	table	NOUN
framr-2919	269	2	3	3	NUM
framr-2919	269	3	.	.	PUNCT
framr-2919	269	4	logistic	logistic	ADJ
framr-2919	269	5	results	result	NOUN
framr-2919	269	6	.	.	PUNCT
framr-2919	270	1	expert_judge=0=1	expert_judge=0=1	PROPN
framr-2919	270	2	coeff	coeff	PROPN
framr-2919	270	3	std	std	PROPN
framr-2919	270	4	.	.	PUNCT
framr-2919	271	1	error	error	NOUN
framr-2919	271	2	z	z	NOUN
framr-2919	271	3	p>|z|	p>|z|	VERB
framr-2919	271	4	[	[	X
framr-2919	271	5	0.025	0.025	NUM
framr-2919	271	6	]	]	PUNCT
framr-2919	272	1	[	[	X
framr-2919	272	2	0.975	0.975	NUM
framr-2919	272	3	]	]	X
framr-2919	272	4	constant	constant	ADJ
framr-2919	272	5	(	(	PUNCT
framr-2919	272	6	6.562	6.562	NUM
framr-2919	272	7	)	)	PUNCT
framr-2919	272	8	0.694	0.694	NUM
framr-2919	272	9	(	(	PUNCT
framr-2919	272	10	9.445	9.445	NUM
framr-2919	272	11	)	)	PUNCT
framr-2919	272	12	0.000	0.000	NUM
framr-2919	272	13	(	(	PUNCT
framr-2919	272	14	7.992	7.992	NUM
framr-2919	272	15	)	)	PUNCT
framr-2919	272	16	(	(	PUNCT
framr-2919	272	17	5.202	5.202	NUM
framr-2919	272	18	)	)	PUNCT
framr-2919	272	19	project	project	NOUN
framr-2919	272	20	agreement	agreement	NOUN
framr-2919	272	21	(	(	PUNCT
framr-2919	272	22	4.078	4.078	NUM
framr-2919	272	23	)	)	PUNCT
framr-2919	272	24	0.280	0.280	NUM
framr-2919	272	25	(	(	PUNCT
framr-2919	272	26	14.546	14.546	NUM
framr-2919	272	27	)	)	PUNCT
framr-2919	272	28	0.000	0.000	NUM
framr-2919	272	29	(	(	PUNCT
framr-2919	272	30	4.627	4.627	NUM
framr-2919	272	31	)	)	PUNCT
framr-2919	272	32	(	(	PUNCT
framr-2919	272	33	3.529	3.529	NUM
framr-2919	272	34	)	)	PUNCT
framr-2919	272	35	upfront	upfront	ADJ
framr-2919	272	36	investment	investment	NOUN
framr-2919	272	37	0.524	0.524	NUM
framr-2919	272	38	0.104	0.104	NUM
framr-2919	272	39	5.058	5.058	NUM
framr-2919	272	40	0.000	0.000	NUM
framr-2919	272	41	0.321	0.321	NUM
framr-2919	272	42	0.727	0.727	NUM
framr-2919	272	43	revenue	revenue	NOUN
framr-2919	272	44	factors	factor	NOUN
framr-2919	272	45	2.064	2.064	NUM
framr-2919	272	46	0.139	0.139	NUM
framr-2919	272	47	14.826	14.826	NUM
framr-2919	272	48	0.000	0.000	NUM
framr-2919	272	49	1.791	1.791	NUM
framr-2919	272	50	2.337	2.337	NUM
framr-2919	272	51	additional	additional	ADJ
framr-2919	272	52	revenue	revenue	NOUN
framr-2919	272	53	factors	factor	NOUN
framr-2919	272	54	0.500	0.500	NUM
framr-2919	272	55	0.105	0.105	NUM
framr-2919	272	56	4.768	4.768	NUM
framr-2919	272	57	0.000	0.000	NUM
framr-2919	272	58	0.294	0.294	NUM
framr-2919	272	59	0.705	0.705	NUM
framr-2919	272	60	investment	investment	NOUN
framr-2919	272	61	return	return	VERB
framr-2919	272	62	0.558	0.558	NUM
framr-2919	272	63	0.104	0.104	NUM
framr-2919	272	64	5.366	5.366	NUM
framr-2919	272	65	0.000	0.000	NUM
framr-2919	272	66	0.354	0.354	NUM
framr-2919	272	67	0.762	0.762	NUM
framr-2919	272	68	customer	customer	NOUN
framr-2919	272	69	1.324	1.324	NUM
framr-2919	272	70	0.118	0.118	NUM
framr-2919	272	71	11.255	11.255	NUM
framr-2919	272	72	0.000	0.000	NUM
framr-2919	272	73	1.093	1.093	NUM
framr-2919	272	74	1.554	1.554	NUM
framr-2919	272	75	type	type	NOUN
framr-2919	272	76	of	of	ADP
framr-2919	272	77	customer	customer	NOUN
framr-2919	272	78	(	(	PUNCT
framr-2919	272	79	0.781	0.781	NUM
framr-2919	272	80	)	)	PUNCT
framr-2919	272	81	0.170	0.170	NUM
framr-2919	272	82	(	(	PUNCT
framr-2919	272	83	4.603	4.603	NUM
framr-2919	272	84	)	)	PUNCT
framr-2919	272	85	0.000	0.000	NUM
framr-2919	272	86	(	(	PUNCT
framr-2919	272	87	1.113	1.113	NUM
framr-2919	272	88	)	)	PUNCT
framr-2919	272	89	(	(	PUNCT
framr-2919	272	90	0.448	0.448	NUM
framr-2919	272	91	)	)	PUNCT
framr-2919	272	92	5	5	NUM
framr-2919	272	93	.	.	X
framr-2919	273	1	conclusion	conclusion	NOUN
framr-2919	273	2	this	this	DET
framr-2919	273	3	research	research	NOUN
framr-2919	273	4	briefly	briefly	NOUN
framr-2919	273	5	compares	compare	VERB
framr-2919	273	6	logistic	logistic	ADJ
framr-2919	273	7	regression	regression	NOUN
framr-2919	273	8	and	and	CCONJ
framr-2919	273	9	artificial	artificial	ADJ
framr-2919	273	10	neural	neural	ADJ
framr-2919	273	11	networks	network	NOUN
framr-2919	273	12	with	with	ADP
framr-2919	273	13	shared	share	VERB
framr-2919	273	14	roots	root	NOUN
framr-2919	273	15	in	in	ADP
framr-2919	273	16	statistical	statistical	ADJ
framr-2919	273	17	pattern	pattern	NOUN
framr-2919	273	18	recognition	recognition	NOUN
framr-2919	273	19	.	.	PUNCT
framr-2919	274	1	predictive	predictive	ADJ
framr-2919	274	2	modeling	modeling	NOUN
framr-2919	274	3	for	for	ADP
framr-2919	274	4	creditworthiness	creditworthiness	NOUN
framr-2919	274	5	detection	detection	NOUN
framr-2919	274	6	was	be	AUX
framr-2919	274	7	done	do	VERB
framr-2919	274	8	in	in	ADP
framr-2919	274	9	this	this	DET
framr-2919	274	10	report	report	NOUN
framr-2919	274	11	.	.	PUNCT
framr-2919	275	1	the	the	DET
framr-2919	275	2	model	model	NOUN
framr-2919	275	3	was	be	AUX
framr-2919	275	4	built	build	VERB
framr-2919	275	5	on	on	ADP
framr-2919	275	6	the	the	DET
framr-2919	275	7	lr	lr	PROPN
framr-2919	275	8	and	and	CCONJ
framr-2919	275	9	ann	ann	PROPN
framr-2919	275	10	model	model	NOUN
framr-2919	275	11	of	of	ADP
framr-2919	275	12	machine	machine	NOUN
framr-2919	275	13	learning	learning	NOUN
framr-2919	275	14	.	.	PUNCT
framr-2919	276	1	the	the	DET
framr-2919	276	2	model	model	NOUN
framr-2919	276	3	was	be	AUX
framr-2919	276	4	developed	develop	VERB
framr-2919	276	5	and	and	CCONJ
framr-2919	276	6	tested	test	VERB
framr-2919	276	7	using	use	VERB
framr-2919	276	8	the	the	DET
framr-2919	276	9	python	python	NOUN
framr-2919	276	10	algorithm	algorithm	NOUN
framr-2919	276	11	,	,	PUNCT
framr-2919	276	12	and	and	CCONJ
framr-2919	276	13	the	the	DET
framr-2919	276	14	proposed	propose	VERB
framr-2919	276	15	model	model	NOUN
framr-2919	276	16	's	's	PART
framr-2919	276	17	efficiency	efficiency	NOUN
framr-2919	276	18	was	be	AUX
framr-2919	276	19	demonstrated	demonstrate	VERB
framr-2919	276	20	.	.	PUNCT
framr-2919	277	1	the	the	DET
framr-2919	277	2	logistic	logistic	ADJ
framr-2919	277	3	regression	regression	NOUN
framr-2919	277	4	calculations	calculation	NOUN
framr-2919	277	5	showed	show	VERB
framr-2919	277	6	that	that	SCONJ
framr-2919	277	7	the	the	DET
framr-2919	277	8	accuracy	accuracy	NOUN
framr-2919	277	9	value	value	NOUN
framr-2919	277	10	of	of	ADP
framr-2919	277	11	prediction	prediction	NOUN
framr-2919	277	12	data	datum	NOUN
framr-2919	277	13	with	with	ADP
framr-2919	277	14	test	test	NOUN
framr-2919	277	15	data	datum	NOUN
framr-2919	277	16	was	be	AUX
framr-2919	277	17	88.3562	88.3562	NUM
framr-2919	277	18	%	%	NOUN
framr-2919	277	19	and	and	CCONJ
framr-2919	277	20	87.67	87.67	NUM
framr-2919	277	21	%	%	NOUN
framr-2919	277	22	for	for	ADP
framr-2919	277	23	ann	ann	PROPN
framr-2919	277	24	and	and	CCONJ
framr-2919	277	25	lr	lr	PROPN
framr-2919	277	26	models	model	NOUN
framr-2919	277	27	.	.	PUNCT
framr-2919	278	1	the	the	DET
framr-2919	278	2	prediction	prediction	NOUN
framr-2919	278	3	rate	rate	NOUN
framr-2919	278	4	result	result	NOUN
framr-2919	278	5	that	that	PRON
framr-2919	278	6	refers	refer	VERB
framr-2919	278	7	to	to	ADP
framr-2919	278	8	the	the	DET
framr-2919	278	9	correct	correct	ADJ
framr-2919	278	10	predictions	prediction	NOUN
framr-2919	278	11	among	among	ADP
framr-2919	278	12	all	all	DET
framr-2919	278	13	test	test	NOUN
framr-2919	278	14	data	datum	NOUN
framr-2919	278	15	for	for	ADP
framr-2919	278	16	ann	ann	PROPN
framr-2919	278	17	and	and	CCONJ
framr-2919	278	18	lr	lr	PROPN
framr-2919	278	19	model	model	NOUN
framr-2919	278	20	was	be	AUX
framr-2919	278	21	92.20	92.20	NUM
framr-2919	278	22	%	%	NOUN
framr-2919	278	23	and	and	CCONJ
framr-2919	278	24	91.98	91.98	NUM
framr-2919	278	25	%	%	NOUN
framr-2919	278	26	,	,	PUNCT
framr-2919	278	27	respectively	respectively	ADV
framr-2919	278	28	.	.	PUNCT
framr-2919	279	1	the	the	DET
framr-2919	279	2	percentage	percentage	NOUN
framr-2919	279	3	of	of	ADP
framr-2919	279	4	customers	customer	NOUN
framr-2919	279	5	who	who	PRON
framr-2919	279	6	were	be	AUX
framr-2919	279	7	correct	correct	ADJ
framr-2919	279	8	to	to	ADP
framr-2919	279	9	the	the	DET
framr-2919	279	10	default	default	NOUN
framr-2919	279	11	of	of	ADP
framr-2919	279	12	all	all	DET
framr-2919	279	13	customers	customer	NOUN
framr-2919	279	14	predicted	predict	VERB
framr-2919	279	15	to	to	PART
framr-2919	279	16	default	default	VERB
framr-2919	279	17	were	be	AUX
framr-2919	279	18	94.41	94.41	NUM
framr-2919	279	19	%	%	NOUN
framr-2919	279	20	for	for	ADP
framr-2919	279	21	ann	ann	PROPN
framr-2919	279	22	and	and	CCONJ
framr-2919	279	23	93.81	93.81	NUM
framr-2919	279	24	%	%	NOUN
framr-2919	279	25	for	for	ADP
framr-2919	279	26	the	the	DET
framr-2919	279	27	lr	lr	PROPN
framr-2919	279	28	model	model	NOUN
framr-2919	279	29	.	.	PUNCT
framr-2919	280	1	this	this	DET
framr-2919	280	2	case	case	NOUN
framr-2919	280	3	study	study	NOUN
framr-2919	280	4	reveals	reveal	VERB
framr-2919	280	5	that	that	SCONJ
framr-2919	280	6	the	the	DET
framr-2919	280	7	ann	ann	PROPN
framr-2919	280	8	model	model	NOUN
framr-2919	280	9	was	be	AUX
framr-2919	280	10	better	well	ADJ
framr-2919	280	11	than	than	ADP
framr-2919	280	12	the	the	DET
framr-2919	280	13	lr	lr	NOUN
framr-2919	280	14	model	model	NOUN
framr-2919	280	15	,	,	PUNCT
framr-2919	280	16	especially	especially	ADV
framr-2919	280	17	when	when	SCONJ
framr-2919	280	18	a	a	DET
framr-2919	280	19	complex	complex	ADJ
framr-2919	280	20	nonlinear	nonlinear	ADJ
framr-2919	280	21	relationship	relationship	NOUN
framr-2919	280	22	was	be	AUX
framr-2919	280	23	presented	present	VERB
framr-2919	280	24	between	between	ADP
framr-2919	280	25	credit	credit	NOUN
framr-2919	280	26	features	feature	NOUN
framr-2919	280	27	.	.	PUNCT
framr-2919	281	1	it	it	PRON
framr-2919	281	2	was	be	AUX
framr-2919	281	3	in	in	ADP
framr-2919	281	4	line	line	NOUN
framr-2919	281	5	with	with	ADP
framr-2919	281	6	the	the	DET
framr-2919	281	7	other	other	ADJ
framr-2919	281	8	empirical	empirical	ADJ
framr-2919	281	9	research	research	NOUN
framr-2919	281	10	that	that	SCONJ
framr-2919	281	11	a	a	DET
framr-2919	281	12	neural	neural	ADJ
framr-2919	281	13	network	network	NOUN
framr-2919	281	14	was	be	AUX
framr-2919	281	15	always	always	ADV
framr-2919	281	16	better	well	ADJ
framr-2919	281	17	than	than	ADP
framr-2919	281	18	logistic	logistic	ADJ
framr-2919	281	19	regression	regression	NOUN
framr-2919	281	20	.	.	PUNCT
framr-2919	282	1	more	more	ADV
framr-2919	282	2	precisely	precisely	ADV
framr-2919	282	3	,	,	PUNCT
framr-2919	282	4	a	a	DET
framr-2919	282	5	neural	neural	ADJ
framr-2919	282	6	network	network	NOUN
framr-2919	282	7	can	can	AUX
framr-2919	282	8	do	do	VERB
framr-2919	282	9	no	no	ADV
framr-2919	282	10	worse	bad	ADJ
framr-2919	282	11	than	than	ADP
framr-2919	282	12	logistic	logistic	ADJ
framr-2919	282	13	regression	regression	NOUN
framr-2919	282	14	.	.	PUNCT
framr-2919	283	1	on	on	ADP
framr-2919	283	2	the	the	DET
framr-2919	283	3	other	other	ADJ
framr-2919	283	4	hand	hand	NOUN
framr-2919	283	5	,	,	PUNCT
framr-2919	283	6	the	the	DET
framr-2919	283	7	vast	vast	ADJ
framr-2919	283	8	opportunities	opportunity	NOUN
framr-2919	283	9	in	in	ADP
framr-2919	283	10	retrofitting	retrofitting	NOUN
framr-2919	283	11	projects	project	NOUN
framr-2919	283	12	come	come	VERB
framr-2919	283	13	with	with	ADP
framr-2919	283	14	significant	significant	ADJ
framr-2919	283	15	risks	risk	NOUN
framr-2919	283	16	.	.	PUNCT
framr-2919	284	1	the	the	DET
framr-2919	284	2	biggest	big	ADJ
framr-2919	284	3	issue	issue	NOUN
framr-2919	284	4	was	be	AUX
framr-2919	284	5	that	that	SCONJ
framr-2919	284	6	the	the	DET
framr-2919	284	7	company	company	NOUN
framr-2919	284	8	was	be	AUX
framr-2919	284	9	hampered	hamper	VERB
framr-2919	284	10	by	by	ADP
framr-2919	284	11	a	a	DET
framr-2919	284	12	lack	lack	NOUN
framr-2919	284	13	of	of	ADP
framr-2919	284	14	knowledge	knowledge	NOUN
framr-2919	284	15	about	about	ADP
framr-2919	284	16	the	the	DET
framr-2919	284	17	clients	client	NOUN
framr-2919	284	18	'	'	PART
framr-2919	284	19	reputation	reputation	NOUN
framr-2919	284	20	.	.	PUNCT
framr-2919	285	1	the	the	DET
framr-2919	285	2	customer	customer	NOUN
framr-2919	285	3	's	's	PART
framr-2919	285	4	creditworthiness	creditworthiness	NOUN
framr-2919	285	5	was	be	AUX
framr-2919	285	6	critical	critical	ADJ
framr-2919	285	7	to	to	ADP
framr-2919	285	8	esco	esco	PROPN
framr-2919	285	9	's	's	PART
framr-2919	285	10	survival	survival	NOUN
framr-2919	285	11	.	.	PUNCT
framr-2919	286	1	the	the	DET
framr-2919	286	2	project	project	NOUN
framr-2919	286	3	's	's	PART
framr-2919	286	4	numerous	numerous	ADJ
framr-2919	286	5	factors	factor	NOUN
framr-2919	286	6	,	,	PUNCT
framr-2919	286	7	particularly	particularly	ADV
framr-2919	286	8	the	the	DET
framr-2919	286	9	qualitative	qualitative	ADJ
framr-2919	286	10	customer	customer	NOUN
framr-2919	286	11	characteristic	characteristic	NOUN
framr-2919	286	12	,	,	PUNCT
framr-2919	286	13	were	be	AUX
framr-2919	286	14	vital	vital	ADJ
framr-2919	286	15	factors	factor	NOUN
framr-2919	286	16	to	to	PART
framr-2919	286	17	consider	consider	VERB
framr-2919	286	18	.	.	PUNCT
framr-2919	287	1	as	as	ADP
framr-2919	287	2	a	a	DET
framr-2919	287	3	result	result	NOUN
framr-2919	287	4	,	,	PUNCT
framr-2919	287	5	esco	esco	PROPN
framr-2919	287	6	companies	company	NOUN
framr-2919	287	7	increasingly	increasingly	ADV
framr-2919	287	8	rely	rely	VERB
framr-2919	287	9	on	on	ADP
framr-2919	287	10	machine	machine	NOUN
framr-2919	287	11	learning	learn	VERB
framr-2919	287	12	techniques	technique	NOUN
framr-2919	287	13	.	.	PUNCT
framr-2919	288	1	the	the	DET
framr-2919	288	2	research	research	NOUN
framr-2919	288	3	aimed	aim	VERB
framr-2919	288	4	to	to	PART
framr-2919	288	5	determine	determine	VERB
framr-2919	288	6	how	how	SCONJ
framr-2919	288	7	to	to	PART
framr-2919	288	8	construct	construct	VERB
framr-2919	288	9	a	a	DET
framr-2919	288	10	predictive	predictive	ADJ
framr-2919	288	11	model	model	NOUN
framr-2919	288	12	using	use	VERB
framr-2919	288	13	machine	machine	NOUN
framr-2919	288	14	learning	learn	VERB
framr-2919	288	15	techniques	technique	NOUN
framr-2919	288	16	and	and	CCONJ
framr-2919	288	17	whether	whether	SCONJ
framr-2919	288	18	it	it	PRON
framr-2919	288	19	would	would	AUX
framr-2919	288	20	be	be	AUX
framr-2919	288	21	easy	easy	ADJ
framr-2919	288	22	,	,	PUNCT
framr-2919	288	23	convenient	convenient	ADJ
framr-2919	288	24	,	,	PUNCT
framr-2919	288	25	and	and	CCONJ
framr-2919	288	26	accessible	accessible	ADJ
framr-2919	288	27	for	for	ADP
framr-2919	288	28	non	non	NOUN
framr-2919	288	29	-	-	NOUN
framr-2919	288	30	experts	expert	NOUN
framr-2919	288	31	.	.	PUNCT
framr-2919	289	1	we	we	PRON
framr-2919	289	2	found	find	VERB
framr-2919	289	3	that	that	SCONJ
framr-2919	289	4	the	the	DET
framr-2919	289	5	machine	machine	NOUN
framr-2919	289	6	learning	learn	VERB
framr-2919	289	7	methods	method	NOUN
framr-2919	289	8	for	for	ADP
framr-2919	289	9	creditworthiness	creditworthiness	NOUN
framr-2919	289	10	prediction	prediction	NOUN
framr-2919	289	11	in	in	ADP
framr-2919	289	12	retrofitting	retrofitting	NOUN
framr-2919	289	13	projects	project	NOUN
framr-2919	289	14	were	be	AUX
framr-2919	289	15	fresh	fresh	ADJ
framr-2919	289	16	and	and	CCONJ
framr-2919	289	17	worth	worth	ADJ
framr-2919	289	18	a	a	DET
framr-2919	289	19	shot	shot	NOUN
framr-2919	289	20	.	.	PUNCT
framr-2919	290	1	machine	machine	NOUN
framr-2919	290	2	learning	learning	NOUN
framr-2919	290	3	used	use	VERB
framr-2919	290	4	the	the	DET
framr-2919	290	5	logistic	logistic	ADJ
framr-2919	290	6	regression	regression	NOUN
framr-2919	290	7	model	model	NOUN
framr-2919	290	8	's	's	PART
framr-2919	290	9	predictive	predictive	ADJ
framr-2919	290	10	efficiency	efficiency	NOUN
framr-2919	290	11	by	by	ADP
framr-2919	290	12	pre	pre	ADJ
framr-2919	290	13	-	-	ADJ
framr-2919	290	14	processing	processing	ADJ
framr-2919	290	15	data	datum	NOUN
framr-2919	290	16	using	use	VERB
framr-2919	290	17	ann	ann	PROPN
framr-2919	290	18	and	and	CCONJ
framr-2919	290	19	lr	lr	PROPN
framr-2919	290	20	models	model	NOUN
framr-2919	290	21	.	.	PUNCT
framr-2919	291	1	it	it	PRON
framr-2919	291	2	was	be	AUX
framr-2919	291	3	hoped	hope	VERB
framr-2919	291	4	that	that	SCONJ
framr-2919	291	5	this	this	DET
framr-2919	291	6	new	new	ADJ
framr-2919	291	7	practice	practice	NOUN
framr-2919	291	8	would	would	AUX
framr-2919	291	9	grow	grow	VERB
framr-2919	291	10	in	in	ADP
framr-2919	291	11	popularity	popularity	NOUN
framr-2919	291	12	and	and	CCONJ
framr-2919	291	13	become	become	VERB
framr-2919	291	14	standard	standard	ADJ
framr-2919	291	15	among	among	ADP
framr-2919	291	16	escos	esco	NOUN
framr-2919	291	17	.	.	PUNCT
framr-2919	292	1	unfortunately	unfortunately	ADV
framr-2919	292	2	,	,	PUNCT
framr-2919	292	3	current	current	ADJ
framr-2919	292	4	machine	machine	NOUN
framr-2919	292	5	-	-	PUNCT
framr-2919	292	6	learning	learning	NOUN
framr-2919	292	7	-	-	PUNCT
framr-2919	292	8	based	base	VERB
framr-2919	292	9	creditworthiness	creditworthiness	NOUN
framr-2919	292	10	scoring	scoring	NOUN
framr-2919	292	11	practices	practice	NOUN
framr-2919	292	12	lack	lack	VERB
framr-2919	292	13	explainability	explainability	NOUN
framr-2919	292	14	and	and	CCONJ
framr-2919	292	15	interpretability	interpretability	NOUN
framr-2919	292	16	.	.	PUNCT
framr-2919	293	1	in	in	ADP
framr-2919	293	2	terms	term	NOUN
framr-2919	293	3	of	of	ADP
framr-2919	293	4	the	the	DET
framr-2919	293	5	credit	credit	NOUN
framr-2919	293	6	approval	approval	NOUN
framr-2919	293	7	process	process	NOUN
framr-2919	293	8	,	,	PUNCT
framr-2919	293	9	most	most	ADJ
framr-2919	293	10	of	of	ADP
framr-2919	293	11	these	these	DET
framr-2919	293	12	algorithms	algorithm	NOUN
framr-2919	293	13	are	be	AUX
framr-2919	293	14	called	call	VERB
framr-2919	293	15	black	black	ADJ
framr-2919	293	16	boxes	box	NOUN
framr-2919	293	17	.	.	PUNCT
framr-2919	294	1	under	under	ADP
framr-2919	294	2	the	the	DET
framr-2919	294	3	circumstances	circumstance	NOUN
framr-2919	294	4	,	,	PUNCT
framr-2919	294	5	esco	esco	PROPN
framr-2919	294	6	must	must	AUX
framr-2919	294	7	penalize	penalize	VERB
framr-2919	294	8	the	the	DET
framr-2919	294	9	retrofitting	retrofitting	NOUN
framr-2919	294	10	project	project	NOUN
framr-2919	294	11	.	.	PUNCT
framr-2919	295	1	as	as	ADP
framr-2919	295	2	a	a	DET
framr-2919	295	3	result	result	NOUN
framr-2919	295	4	,	,	PUNCT
framr-2919	295	5	since	since	SCONJ
framr-2919	295	6	retrofitting	retrofit	VERB
framr-2919	295	7	was	be	AUX
framr-2919	295	8	a	a	DET
framr-2919	295	9	new	new	ADJ
framr-2919	295	10	industry	industry	NOUN
framr-2919	295	11	,	,	PUNCT
framr-2919	295	12	the	the	DET
framr-2919	295	13	credit	credit	NOUN
framr-2919	295	14	approval	approval	NOUN
framr-2919	295	15	process	process	NOUN
framr-2919	295	16	was	be	AUX
framr-2919	295	17	financial	financial	ADJ
framr-2919	295	18	risk	risk	NOUN
framr-2919	295	19	and	and	CCONJ
framr-2919	295	20	management	management	NOUN
framr-2919	295	21	reviews	review	NOUN
framr-2919	295	22	,	,	PUNCT
framr-2919	295	23	2022	2022	NUM
framr-2919	295	24	,	,	PUNCT
framr-2919	295	25	8(1	8(1	NOUN
framr-2919	295	26	):	):	PUNCT
framr-2919	295	27	1	1	NUM
framr-2919	295	28	-	-	SYM
framr-2919	295	29	11	11	NUM
framr-2919	295	30	10	10	NUM
framr-2919	295	31	©	©	PROPN
framr-2919	295	32	2022	2022	NUM
framr-2919	295	33	conscientia	conscientia	PROPN
framr-2919	295	34	beam	beam	PROPN
framr-2919	295	35	.	.	PUNCT
framr-2919	296	1	all	all	DET
framr-2919	296	2	rights	right	NOUN
framr-2919	296	3	reserved	reserve	VERB
framr-2919	296	4	.	.	PUNCT
framr-2919	297	1	challenging	challenge	VERB
framr-2919	297	2	to	to	PART
framr-2919	297	3	communicate	communicate	VERB
framr-2919	297	4	to	to	ADP
framr-2919	297	5	consumers	consumer	NOUN
framr-2919	297	6	.	.	PUNCT
framr-2919	298	1	the	the	DET
framr-2919	298	2	most	most	ADV
framr-2919	298	3	important	important	ADJ
framr-2919	298	4	thing	thing	NOUN
framr-2919	298	5	for	for	SCONJ
framr-2919	298	6	esco	esco	PROPN
framr-2919	298	7	to	to	PART
framr-2919	298	8	deal	deal	VERB
framr-2919	298	9	with	with	ADP
framr-2919	298	10	the	the	DET
framr-2919	298	11	project	project	NOUN
framr-2919	298	12	was	be	AUX
framr-2919	298	13	friendship	friendship	NOUN
framr-2919	298	14	and	and	CCONJ
framr-2919	298	15	know	know	NOUN
framr-2919	298	16	-	-	PUNCT
framr-2919	298	17	how	how	NOUN
framr-2919	298	18	with	with	ADP
framr-2919	298	19	the	the	DET
framr-2919	298	20	client	client	NOUN
framr-2919	298	21	.	.	PUNCT
framr-2919	299	1	predictive	predictive	ADJ
framr-2919	299	2	modeling	modeling	NOUN
framr-2919	299	3	for	for	ADP
framr-2919	299	4	creditworthiness	creditworthiness	NOUN
framr-2919	299	5	detection	detection	NOUN
framr-2919	299	6	was	be	AUX
framr-2919	299	7	done	do	VERB
framr-2919	299	8	in	in	ADP
framr-2919	299	9	this	this	DET
framr-2919	299	10	report	report	NOUN
framr-2919	299	11	.	.	PUNCT
framr-2919	300	1	the	the	DET
framr-2919	300	2	model	model	NOUN
framr-2919	300	3	was	be	AUX
framr-2919	300	4	built	build	VERB
framr-2919	300	5	on	on	ADP
framr-2919	300	6	the	the	DET
framr-2919	300	7	lr	lr	PROPN
framr-2919	300	8	and	and	CCONJ
framr-2919	300	9	ann	ann	PROPN
framr-2919	300	10	models	model	NOUN
framr-2919	300	11	of	of	ADP
framr-2919	300	12	machine	machine	NOUN
framr-2919	300	13	learning	learning	NOUN
framr-2919	300	14	.	.	PUNCT
framr-2919	301	1	the	the	DET
framr-2919	301	2	model	model	NOUN
framr-2919	301	3	was	be	AUX
framr-2919	301	4	developed	develop	VERB
framr-2919	301	5	and	and	CCONJ
framr-2919	301	6	tested	test	VERB
framr-2919	301	7	using	use	VERB
framr-2919	301	8	the	the	DET
framr-2919	301	9	python	python	NOUN
framr-2919	301	10	algorithm	algorithm	NOUN
framr-2919	301	11	,	,	PUNCT
framr-2919	301	12	and	and	CCONJ
framr-2919	301	13	the	the	DET
framr-2919	301	14	proposed	propose	VERB
framr-2919	301	15	model	model	NOUN
framr-2919	301	16	's	's	PART
framr-2919	301	17	efficiency	efficiency	NOUN
framr-2919	301	18	was	be	AUX
framr-2919	301	19	demonstrated	demonstrate	VERB
framr-2919	301	20	.	.	PUNCT
framr-2919	302	1	some	some	PRON
framr-2919	302	2	of	of	ADP
framr-2919	302	3	the	the	DET
framr-2919	302	4	limitations	limitation	NOUN
framr-2919	302	5	of	of	ADP
framr-2919	302	6	this	this	DET
framr-2919	302	7	research	research	NOUN
framr-2919	302	8	related	relate	VERB
framr-2919	302	9	to	to	ADP
framr-2919	302	10	creditworthiness	creditworthiness	NOUN
framr-2919	302	11	prediction	prediction	NOUN
framr-2919	302	12	research	research	NOUN
framr-2919	302	13	were	be	AUX
framr-2919	302	14	based	base	VERB
framr-2919	302	15	on	on	ADP
framr-2919	302	16	case	case	NOUN
framr-2919	302	17	studies	study	NOUN
framr-2919	302	18	and	and	CCONJ
framr-2919	302	19	limited	limit	VERB
framr-2919	302	20	to	to	ADP
framr-2919	302	21	esco	esco	PROPN
framr-2919	302	22	companies	company	NOUN
framr-2919	302	23	,	,	PUNCT
framr-2919	302	24	namely	namely	ADV
framr-2919	302	25	mws	mws	NOUN
framr-2919	302	26	.	.	PUNCT
framr-2919	303	1	the	the	DET
framr-2919	303	2	prediction	prediction	NOUN
framr-2919	303	3	was	be	AUX
framr-2919	303	4	reflected	reflect	VERB
framr-2919	303	5	in	in	ADP
framr-2919	303	6	the	the	DET
framr-2919	303	7	scoring	scoring	NOUN
framr-2919	303	8	value	value	NOUN
framr-2919	303	9	that	that	PRON
framr-2919	303	10	can	can	AUX
framr-2919	303	11	be	be	AUX
framr-2919	303	12	an	an	DET
framr-2919	303	13	early	early	ADJ
framr-2919	303	14	warning	warning	NOUN
framr-2919	303	15	signal	signal	NOUN
framr-2919	303	16	(	(	PUNCT
framr-2919	303	17	ews	ews	PROPN
framr-2919	303	18	)	)	PUNCT
framr-2919	303	19	tool	tool	NOUN
framr-2919	303	20	for	for	ADP
framr-2919	303	21	managers	manager	NOUN
framr-2919	303	22	in	in	ADP
framr-2919	303	23	'	'	PUNCT
framr-2919	303	24	mws	mws	NOUN
framr-2919	303	25	'	'	PUNCT
framr-2919	303	26	companies	company	NOUN
framr-2919	303	27	in	in	ADP
framr-2919	303	28	mitigating	mitigate	VERB
framr-2919	303	29	bad	bad	ADJ
framr-2919	303	30	credit	credit	NOUN
framr-2919	303	31	risk	risk	NOUN
framr-2919	303	32	.	.	PUNCT
framr-2919	304	1	the	the	DET
framr-2919	304	2	other	other	ADJ
framr-2919	304	3	limitation	limitation	NOUN
framr-2919	304	4	was	be	AUX
framr-2919	304	5	that	that	SCONJ
framr-2919	304	6	this	this	DET
framr-2919	304	7	research	research	NOUN
framr-2919	304	8	related	relate	VERB
framr-2919	304	9	to	to	PART
framr-2919	304	10	creditworthiness	creditworthiness	VERB
framr-2919	304	11	scoring	score	VERB
framr-2919	304	12	with	with	ADP
framr-2919	304	13	various	various	ADJ
framr-2919	304	14	industries	industry	NOUN
framr-2919	304	15	was	be	AUX
framr-2919	304	16	more	more	ADV
framr-2919	304	17	varied	varied	ADJ
framr-2919	304	18	considering	consider	VERB
framr-2919	304	19	the	the	DET
framr-2919	304	20	different	different	ADJ
framr-2919	304	21	business	business	NOUN
framr-2919	304	22	processes	process	NOUN
framr-2919	304	23	and	and	CCONJ
framr-2919	304	24	models	model	NOUN
framr-2919	304	25	.	.	PUNCT
framr-2919	305	1	this	this	DET
framr-2919	305	2	research	research	NOUN
framr-2919	305	3	was	be	AUX
framr-2919	305	4	based	base	VERB
framr-2919	305	5	on	on	ADP
framr-2919	305	6	the	the	DET
framr-2919	305	7	energy	energy	NOUN
framr-2919	305	8	efficiency	efficiency	NOUN
framr-2919	305	9	industry	industry	NOUN
framr-2919	305	10	,	,	PUNCT
framr-2919	305	11	especially	especially	ADV
framr-2919	305	12	in	in	ADP
framr-2919	305	13	the	the	DET
framr-2919	305	14	case	case	NOUN
framr-2919	305	15	study	study	NOUN
framr-2919	305	16	of	of	ADP
framr-2919	305	17	mws	mws	NOUN
framr-2919	305	18	companies	company	NOUN
framr-2919	305	19	.	.	PUNCT
framr-2919	306	1	moreover	moreover	ADV
framr-2919	306	2	,	,	PUNCT
framr-2919	306	3	the	the	DET
framr-2919	306	4	research	research	NOUN
framr-2919	306	5	was	be	AUX
framr-2919	306	6	finally	finally	ADV
framr-2919	306	7	limited	limit	VERB
framr-2919	306	8	to	to	ADP
framr-2919	306	9	the	the	DET
framr-2919	306	10	effectiveness	effectiveness	NOUN
framr-2919	306	11	of	of	ADP
framr-2919	306	12	efforts	effort	NOUN
framr-2919	306	13	to	to	PART
framr-2919	306	14	prevent	prevent	VERB
framr-2919	306	15	credit	credit	NOUN
framr-2919	306	16	jams	jam	NOUN
framr-2919	306	17	with	with	ADP
framr-2919	306	18	alternative	alternative	ADJ
framr-2919	306	19	approaches	approach	NOUN
framr-2919	306	20	compared	compare	VERB
framr-2919	306	21	to	to	ADP
framr-2919	306	22	traditional	traditional	ADJ
framr-2919	306	23	approaches	approach	NOUN
framr-2919	306	24	on	on	ADP
framr-2919	306	25	mws	mws	NOUN
framr-2919	306	26	companies	company	NOUN
framr-2919	306	27	.	.	PUNCT
framr-2919	307	1	funding	funding	NOUN
framr-2919	307	2	:	:	PUNCT
framr-2919	307	3	this	this	DET
framr-2919	307	4	study	study	NOUN
framr-2919	307	5	received	receive	VERB
framr-2919	307	6	no	no	DET
framr-2919	307	7	specific	specific	ADJ
framr-2919	307	8	financial	financial	ADJ
framr-2919	307	9	support	support	NOUN
framr-2919	307	10	.	.	PUNCT
framr-2919	308	1	competing	compete	VERB
framr-2919	308	2	interests	interest	NOUN
framr-2919	308	3	:	:	PUNCT
framr-2919	308	4	the	the	DET
framr-2919	308	5	authors	author	NOUN
framr-2919	308	6	declare	declare	VERB
framr-2919	308	7	that	that	SCONJ
framr-2919	308	8	they	they	PRON
framr-2919	308	9	have	have	VERB
framr-2919	308	10	no	no	DET
framr-2919	308	11	competing	compete	VERB
framr-2919	308	12	interests	interest	NOUN
framr-2919	308	13	.	.	PUNCT
framr-2919	309	1	authors	author	NOUN
framr-2919	309	2	’	'	PUNCT
framr-2919	309	3	contributions	contribution	NOUN
framr-2919	309	4	:	:	PUNCT
framr-2919	309	5	all	all	DET
framr-2919	309	6	authors	author	NOUN
framr-2919	309	7	contributed	contribute	VERB
framr-2919	309	8	equally	equally	ADV
framr-2919	309	9	to	to	ADP
framr-2919	309	10	the	the	DET
framr-2919	309	11	conception	conception	NOUN
framr-2919	309	12	and	and	CCONJ
framr-2919	309	13	design	design	NOUN
framr-2919	309	14	of	of	ADP
framr-2919	309	15	the	the	DET
framr-2919	309	16	study	study	NOUN
framr-2919	309	17	.	.	PUNCT
framr-2919	310	1	references	reference	NOUN
framr-2919	310	2	abdou	abdou	PROPN
framr-2919	310	3	,	,	PUNCT
framr-2919	310	4	h.	h.	PROPN
framr-2919	310	5	a.	a.	PROPN
framr-2919	310	6	,	,	PUNCT
framr-2919	310	7	&	&	CCONJ
framr-2919	310	8	pointon	pointon	PROPN
framr-2919	310	9	,	,	PUNCT
framr-2919	310	10	j.	j.	PROPN
framr-2919	310	11	(	(	PUNCT
framr-2919	310	12	2011	2011	NUM
framr-2919	310	13	)	)	PUNCT
framr-2919	310	14	.	.	PUNCT
framr-2919	311	1	credit	credit	NOUN
framr-2919	311	2	scoring	scoring	NOUN
framr-2919	311	3	,	,	PUNCT
framr-2919	311	4	statistical	statistical	ADJ
framr-2919	311	5	techniques	technique	NOUN
framr-2919	311	6	and	and	CCONJ
framr-2919	311	7	evaluation	evaluation	NOUN
framr-2919	311	8	criteria	criterion	NOUN
framr-2919	311	9	:	:	PUNCT
framr-2919	311	10	a	a	DET
framr-2919	311	11	review	review	NOUN
framr-2919	311	12	of	of	ADP
framr-2919	311	13	the	the	DET
framr-2919	311	14	literature	literature	NOUN
framr-2919	311	15	.	.	PUNCT
framr-2919	312	1	intelligent	intelligent	ADJ
framr-2919	312	2	systems	system	NOUN
framr-2919	312	3	in	in	ADP
framr-2919	312	4	accounting	accounting	NOUN
framr-2919	312	5	,	,	PUNCT
framr-2919	312	6	finance	finance	NOUN
framr-2919	312	7	and	and	CCONJ
framr-2919	312	8	management	management	NOUN
framr-2919	312	9	,	,	PUNCT
framr-2919	312	10	18(2	18(2	NUM
framr-2919	312	11	-	-	SYM
framr-2919	312	12	3	3	NUM
framr-2919	312	13	)	)	PUNCT
framr-2919	312	14	,	,	PUNCT
framr-2919	312	15	59-88.available	59-88.available	NUM
framr-2919	312	16	at	at	ADP
framr-2919	312	17	:	:	PUNCT
framr-2919	312	18	https://doi.org/10.1002/isaf.325	https://doi.org/10.1002/isaf.325	PROPN
framr-2919	312	19	.	.	PUNCT
framr-2919	313	1	abdou	abdou	PROPN
framr-2919	313	2	,	,	PUNCT
framr-2919	313	3	h.	h.	PROPN
framr-2919	313	4	a.	a.	PROPN
framr-2919	313	5	p.	p.	PROPN
framr-2919	313	6	j.	j.	PROPN
framr-2919	314	1	(	(	PUNCT
framr-2919	314	2	2009	2009	NUM
framr-2919	314	3	)	)	PUNCT
framr-2919	314	4	.	.	PUNCT
framr-2919	315	1	intelligent	intelligent	ADJ
framr-2919	315	2	systems	system	NOUN
framr-2919	315	3	in	in	ADP
framr-2919	315	4	accounting	accounting	NOUN
framr-2919	315	5	,	,	PUNCT
framr-2919	315	6	finance	finance	NOUN
framr-2919	315	7	,	,	PUNCT
framr-2919	315	8	and	and	CCONJ
framr-2919	315	9	management	management	NOUN
framr-2919	315	10	.	.	PUNCT
framr-2919	316	1	intelligent	intelligent	ADJ
framr-2919	316	2	systems	system	NOUN
framr-2919	316	3	in	in	ADP
framr-2919	316	4	accounting	accounting	NOUN
framr-2919	316	5	,	,	PUNCT
framr-2919	316	6	finance	finance	NOUN
framr-2919	316	7	,	,	PUNCT
framr-2919	316	8	and	and	CCONJ
framr-2919	316	9	management	management	NOUN
framr-2919	316	10	,	,	PUNCT
framr-2919	316	11	16(1–2	16(1–2	NUM
framr-2919	316	12	)	)	PUNCT
framr-2919	316	13	,	,	PUNCT
framr-2919	316	14	21–31	21–31	NUM
framr-2919	316	15	.	.	PUNCT
framr-2919	317	1	angelis	angelis	PROPN
framr-2919	317	2	,	,	PUNCT
framr-2919	317	3	d.	d.	PROPN
framr-2919	317	4	i.	i.	PROPN
framr-2919	317	5	,	,	PUNCT
framr-2919	317	6	&	&	CCONJ
framr-2919	317	7	nussbaum	nussbaum	PROPN
framr-2919	317	8	,	,	PUNCT
framr-2919	317	9	d.	d.	PROPN
framr-2919	317	10	(	(	PUNCT
framr-2919	317	11	2015	2015	NUM
framr-2919	317	12	)	)	PUNCT
framr-2919	317	13	.	.	PUNCT
framr-2919	318	1	cost	cost	NOUN
framr-2919	318	2	analysis	analysis	NOUN
framr-2919	318	3	.	.	PUNCT
framr-2919	319	1	military	military	ADJ
framr-2919	319	2	cost	cost	NOUN
framr-2919	319	3	-	-	PUNCT
framr-2919	319	4	benefit	benefit	NOUN
framr-2919	319	5	analysis	analysis	NOUN
framr-2919	319	6	:	:	PUNCT
framr-2919	319	7	theory	theory	NOUN
framr-2919	319	8	and	and	CCONJ
framr-2919	319	9	practice	practice	NOUN
framr-2919	319	10	,	,	PUNCT
framr-2919	319	11	113	113	NUM
framr-2919	319	12	-	-	SYM
framr-2919	319	13	135	135	NUM
framr-2919	319	14	.	.	PUNCT
framr-2919	320	1	cai	cai	PROPN
framr-2919	320	2	,	,	PUNCT
framr-2919	320	3	d.	d.	PROPN
framr-2919	320	4	j.	j.	PROPN
framr-2919	320	5	,	,	PUNCT
framr-2919	320	6	aharoni	aharoni	PROPN
framr-2919	320	7	,	,	PUNCT
framr-2919	320	8	d.	d.	PROPN
framr-2919	320	9	,	,	PUNCT
framr-2919	320	10	shuman	shuman	PROPN
framr-2919	320	11	,	,	PUNCT
framr-2919	320	12	t.	t.	PROPN
framr-2919	320	13	,	,	PUNCT
framr-2919	320	14	shobe	shobe	PROPN
framr-2919	320	15	,	,	PUNCT
framr-2919	320	16	j.	j.	PROPN
framr-2919	320	17	,	,	PUNCT
framr-2919	320	18	biane	biane	PROPN
framr-2919	320	19	,	,	PUNCT
framr-2919	320	20	j.	j.	PROPN
framr-2919	320	21	,	,	PUNCT
framr-2919	320	22	song	song	NOUN
framr-2919	320	23	,	,	PUNCT
framr-2919	320	24	w.	w.	PROPN
framr-2919	320	25	,	,	PUNCT
framr-2919	320	26	.	.	PUNCT
framr-2919	320	27	.	.	PUNCT
framr-2919	320	28	.	.	PUNCT
framr-2919	321	1	lou	lou	PROPN
framr-2919	321	2	,	,	PUNCT
framr-2919	321	3	j.	j.	PROPN
framr-2919	321	4	(	(	PUNCT
framr-2919	321	5	2016	2016	NUM
framr-2919	321	6	)	)	PUNCT
framr-2919	321	7	.	.	PUNCT
framr-2919	322	1	a	a	DET
framr-2919	322	2	shared	share	VERB
framr-2919	322	3	neural	neural	ADJ
framr-2919	322	4	ensemble	ensemble	ADJ
framr-2919	322	5	links	link	NOUN
framr-2919	322	6	distinct	distinct	ADJ
framr-2919	322	7	contextual	contextual	ADJ
framr-2919	322	8	memories	memory	NOUN
framr-2919	322	9	encoded	encode	VERB
framr-2919	322	10	close	close	ADV
framr-2919	322	11	in	in	ADP
framr-2919	322	12	time	time	NOUN
framr-2919	322	13	.	.	PUNCT
framr-2919	323	1	nature	nature	NOUN
framr-2919	323	2	,	,	PUNCT
framr-2919	323	3	534(7605	534(7605	NUM
framr-2919	323	4	)	)	PUNCT
framr-2919	323	5	,	,	PUNCT
framr-2919	323	6	115-118.available	115-118.available	NUM
framr-2919	323	7	at	at	ADP
framr-2919	323	8	:	:	PUNCT
framr-2919	323	9	https://doi.org/10.1088/17412552/ab2ffa	https://doi.org/10.1088/17412552/ab2ffa	X
framr-2919	323	10	.	.	PUNCT
framr-2919	324	1	cramer	cramer	PROPN
framr-2919	324	2	,	,	PUNCT
framr-2919	324	3	j.	j.	PROPN
framr-2919	324	4	a.	a.	PROPN
framr-2919	324	5	(	(	PUNCT
framr-2919	324	6	2004	2004	NUM
framr-2919	324	7	)	)	PUNCT
framr-2919	324	8	.	.	PUNCT
framr-2919	325	1	a	a	DET
framr-2919	325	2	systematic	systematic	ADJ
framr-2919	325	3	review	review	NOUN
framr-2919	325	4	of	of	ADP
framr-2919	325	5	adherence	adherence	NOUN
framr-2919	325	6	with	with	ADP
framr-2919	325	7	medications	medication	NOUN
framr-2919	325	8	for	for	ADP
framr-2919	325	9	diabetes	diabetes	NOUN
framr-2919	325	10	.	.	PUNCT
framr-2919	326	1	diabetes	diabetes	NOUN
framr-2919	326	2	care	care	NOUN
framr-2919	326	3	,	,	PUNCT
framr-2919	326	4	27(5	27(5	PROPN
framr-2919	326	5	)	)	PUNCT
framr-2919	326	6	,	,	PUNCT
framr-2919	326	7	1218	1218	NUM
framr-2919	326	8	-	-	SYM
framr-2919	326	9	1224	1224	NUM
framr-2919	326	10	.	.	PUNCT
framr-2919	327	1	dobbs	dobbs	PROPN
framr-2919	327	2	,	,	PUNCT
framr-2919	327	3	r.	r.	PROPN
framr-2919	327	4	,	,	PUNCT
framr-2919	327	5	pohl	pohl	PROPN
framr-2919	327	6	,	,	PUNCT
framr-2919	327	7	h.	h.	PROPN
framr-2919	327	8	,	,	PUNCT
framr-2919	327	9	lin	lin	PROPN
framr-2919	327	10	,	,	PUNCT
framr-2919	327	11	d.-y	d.-y	PROPN
framr-2919	327	12	.	.	PUNCT
framr-2919	327	13	,	,	PUNCT
framr-2919	327	14	mischke	mischke	PROPN
framr-2919	327	15	,	,	PUNCT
framr-2919	327	16	j.	j.	PROPN
framr-2919	327	17	,	,	PUNCT
framr-2919	327	18	garemo	garemo	NOUN
framr-2919	327	19	,	,	PUNCT
framr-2919	327	20	n.	n.	NOUN
framr-2919	327	21	,	,	PUNCT
framr-2919	327	22	hexter	hexter	NOUN
framr-2919	327	23	,	,	PUNCT
framr-2919	327	24	j.	j.	PROPN
framr-2919	327	25	,	,	PUNCT
framr-2919	327	26	&	&	CCONJ
framr-2919	327	27	nanavatty	nanavatty	PROPN
framr-2919	327	28	,	,	PUNCT
framr-2919	327	29	r.	r.	PROPN
framr-2919	327	30	(	(	PUNCT
framr-2919	327	31	2013	2013	NUM
framr-2919	327	32	)	)	PUNCT
framr-2919	327	33	.	.	PUNCT
framr-2919	328	1	infrastructure	infrastructure	NOUN
framr-2919	328	2	productivity	productivity	NOUN
framr-2919	328	3	:	:	PUNCT
framr-2919	328	4	how	how	SCONJ
framr-2919	328	5	to	to	PART
framr-2919	328	6	save	save	VERB
framr-2919	328	7	$	$	SYM
framr-2919	328	8	1	1	NUM
framr-2919	328	9	trillion	trillion	NUM
framr-2919	328	10	a	a	DET
framr-2919	328	11	year	year	NOUN
framr-2919	328	12	:	:	PUNCT
framr-2919	328	13	mckinsey	mckinsey	PROPN
framr-2919	328	14	global	global	PROPN
framr-2919	328	15	institute	institute	PROPN
framr-2919	328	16	(	(	PUNCT
framr-2919	328	17	issue	issue	PROPN
framr-2919	328	18	january	january	PROPN
framr-2919	328	19	)	)	PUNCT
framr-2919	328	20	.	.	PUNCT
framr-2919	329	1	fornara	fornara	PROPN
framr-2919	329	2	,	,	PUNCT
framr-2919	329	3	f.	f.	PROPN
framr-2919	329	4	,	,	PUNCT
framr-2919	329	5	pattitoni	pattitoni	NOUN
framr-2919	329	6	,	,	PUNCT
framr-2919	329	7	p.	p.	NOUN
framr-2919	329	8	,	,	PUNCT
framr-2919	329	9	mura	mura	PROPN
framr-2919	329	10	,	,	PUNCT
framr-2919	329	11	m.	m.	NOUN
framr-2919	329	12	,	,	PUNCT
framr-2919	329	13	&	&	CCONJ
framr-2919	329	14	strazzera	strazzera	NOUN
framr-2919	329	15	,	,	PUNCT
framr-2919	329	16	e.	e.	PROPN
framr-2919	329	17	(	(	PUNCT
framr-2919	329	18	2016	2016	NUM
framr-2919	329	19	)	)	PUNCT
framr-2919	329	20	.	.	PUNCT
framr-2919	330	1	predicting	predict	VERB
framr-2919	330	2	intention	intention	NOUN
framr-2919	330	3	to	to	PART
framr-2919	330	4	improve	improve	VERB
framr-2919	330	5	household	household	NOUN
framr-2919	330	6	energy	energy	NOUN
framr-2919	330	7	efficiency	efficiency	NOUN
framr-2919	330	8	:	:	PUNCT
framr-2919	330	9	the	the	DET
framr-2919	330	10	role	role	NOUN
framr-2919	330	11	of	of	ADP
framr-2919	330	12	value	value	NOUN
framr-2919	330	13	-	-	PUNCT
framr-2919	330	14	belief	belief	NOUN
framr-2919	330	15	-	-	PUNCT
framr-2919	330	16	norm	norm	NOUN
framr-2919	330	17	theory	theory	NOUN
framr-2919	330	18	,	,	PUNCT
framr-2919	330	19	normative	normative	ADJ
framr-2919	330	20	and	and	CCONJ
framr-2919	330	21	informational	informational	ADJ
framr-2919	330	22	influence	influence	NOUN
framr-2919	330	23	,	,	PUNCT
framr-2919	330	24	and	and	CCONJ
framr-2919	330	25	specific	specific	ADJ
framr-2919	330	26	attitude	attitude	NOUN
framr-2919	330	27	.	.	PUNCT
framr-2919	331	1	journal	journal	PROPN
framr-2919	331	2	of	of	ADP
framr-2919	331	3	environmental	environmental	ADJ
framr-2919	331	4	psychology	psychology	NOUN
framr-2919	331	5	,	,	PUNCT
framr-2919	331	6	45	45	NUM
framr-2919	331	7	,	,	PUNCT
framr-2919	331	8	1-10.available	1-10.available	NUM
framr-2919	331	9	at	at	ADP
framr-2919	331	10	:	:	PUNCT
framr-2919	331	11	https://doi.org/10.1016/j.jenvp.2015.11.001	https://doi.org/10.1016/j.jenvp.2015.11.001	PROPN
framr-2919	331	12	.	.	PUNCT
framr-2919	331	13	frankel	frankel	PROPN
framr-2919	331	14	,	,	PUNCT
framr-2919	331	15	d.	d.	PROPN
framr-2919	331	16	,	,	PUNCT
framr-2919	331	17	heck	heck	INTJ
framr-2919	331	18	,	,	PUNCT
framr-2919	331	19	s.	s.	PROPN
framr-2919	331	20	,	,	PUNCT
framr-2919	331	21	&	&	CCONJ
framr-2919	331	22	tai	tai	PROPN
framr-2919	331	23	,	,	PUNCT
framr-2919	331	24	h.	h.	PROPN
framr-2919	331	25	(	(	PUNCT
framr-2919	331	26	2013	2013	NUM
framr-2919	331	27	)	)	PUNCT
framr-2919	331	28	.	.	PUNCT
framr-2919	332	1	sizing	size	VERB
framr-2919	332	2	the	the	DET
framr-2919	332	3	potential	potential	NOUN
framr-2919	332	4	of	of	ADP
framr-2919	332	5	behavioral	behavioral	ADJ
framr-2919	332	6	energy	energy	NOUN
framr-2919	332	7	-	-	PUNCT
framr-2919	332	8	efficiency	efficiency	NOUN
framr-2919	332	9	initiatives	initiative	NOUN
framr-2919	332	10	in	in	ADP
framr-2919	332	11	the	the	DET
framr-2919	332	12	us	us	PROPN
framr-2919	332	13	residential	residential	ADJ
framr-2919	332	14	market	market	NOUN
framr-2919	332	15	:	:	PUNCT
framr-2919	332	16	mckinsey	mckinsey	NOUN
framr-2919	332	17	&	&	CCONJ
framr-2919	332	18	company	company	PROPN
framr-2919	332	19	.	.	PUNCT
framr-2919	333	1	fuller	full	ADJ
framr-2919	333	2	,	,	PUNCT
framr-2919	333	3	s.	s.	PROPN
framr-2919	333	4	k.	k.	PROPN
framr-2919	333	5	,	,	PUNCT
framr-2919	333	6	&	&	CCONJ
framr-2919	333	7	petersen	petersen	PROPN
framr-2919	333	8	,	,	PUNCT
framr-2919	333	9	s.	s.	PROPN
framr-2919	333	10	r.	r.	PROPN
framr-2919	333	11	(	(	PUNCT
framr-2919	333	12	1996	1996	NUM
framr-2919	333	13	)	)	PUNCT
framr-2919	333	14	.	.	PUNCT
framr-2919	334	1	lc	lc	PROPN
framr-2919	334	2	costing	cost	VERB
framr-2919	334	3	manual	manual	NOUN
framr-2919	334	4	for	for	ADP
framr-2919	334	5	the	the	DET
framr-2919	334	6	federal	federal	ADJ
framr-2919	334	7	energy	energy	NOUN
framr-2919	334	8	management	management	NOUN
framr-2919	334	9	program	program	NOUN
framr-2919	334	10	.	.	PUNCT
framr-2919	335	1	nist	nist	PROPN
framr-2919	335	2	handbook	handbook	PROPN
framr-2919	335	3	,	,	PUNCT
framr-2919	335	4	135	135	NUM
framr-2919	335	5	.	.	PUNCT
framr-2919	336	1	hájek	hájek	NOUN
framr-2919	336	2	,	,	PUNCT
framr-2919	336	3	p.	p.	NOUN
framr-2919	336	4	(	(	PUNCT
framr-2919	336	5	2011	2011	NUM
framr-2919	336	6	)	)	PUNCT
framr-2919	336	7	.	.	PUNCT
framr-2919	337	1	municipal	municipal	ADJ
framr-2919	337	2	credit	credit	NOUN
framr-2919	337	3	rating	rating	NOUN
framr-2919	337	4	modelling	modelling	NOUN
framr-2919	337	5	by	by	ADP
framr-2919	337	6	neural	neural	ADJ
framr-2919	337	7	networks	network	NOUN
framr-2919	337	8	.	.	PUNCT
framr-2919	338	1	decision	decision	NOUN
framr-2919	338	2	support	support	NOUN
framr-2919	338	3	systems	system	NOUN
framr-2919	338	4	,	,	PUNCT
framr-2919	338	5	51(1	51(1	NUM
framr-2919	338	6	)	)	PUNCT
framr-2919	338	7	,	,	PUNCT
framr-2919	338	8	108-118.available	108-118.available	NUM
framr-2919	338	9	at	at	ADP
framr-2919	338	10	:	:	PUNCT
framr-2919	338	11	https://doi.org/10.1016/j.dss.2010.11.033	https://doi.org/10.1016/j.dss.2010.11.033	PROPN
framr-2919	338	12	.	.	PROPN
framr-2919	339	1	halladay	halladay	PROPN
framr-2919	339	2	,	,	PUNCT
framr-2919	339	3	b.	b.	PROPN
framr-2919	339	4	s.	s.	PROPN
framr-2919	339	5	d.	d.	PROPN
framr-2919	339	6	(	(	PUNCT
framr-2919	339	7	2013	2013	NUM
framr-2919	339	8	)	)	PUNCT
framr-2919	339	9	.	.	PUNCT
framr-2919	340	1	using	use	VERB
framr-2919	340	2	predictive	predictive	ADJ
framr-2919	340	3	analytics	analytic	NOUN
framr-2919	340	4	to	to	PART
framr-2919	340	5	improve	improve	VERB
framr-2919	340	6	decision	decision	NOUN
framr-2919	340	7	making	making	NOUN
framr-2919	340	8	.	.	PUNCT
framr-2919	341	1	journal	journal	NOUN
framr-2919	341	2	of	of	ADP
framr-2919	341	3	equipment	equipment	NOUN
framr-2919	341	4	lease	lease	NOUN
framr-2919	341	5	financing	financing	NOUN
framr-2919	341	6	,	,	PUNCT
framr-2919	341	7	31(2	31(2	NUM
framr-2919	341	8	)	)	PUNCT
framr-2919	341	9	,	,	PUNCT
framr-2919	341	10	1–6	1–6	X
framr-2919	341	11	.	.	PUNCT
framr-2919	341	12	heesen	heesen	PROPN
framr-2919	341	13	,	,	PUNCT
framr-2919	341	14	f.	f.	PROPN
framr-2919	341	15	,	,	PUNCT
framr-2919	341	16	&	&	CCONJ
framr-2919	341	17	madlener	madlener	PROPN
framr-2919	341	18	,	,	PUNCT
framr-2919	341	19	r.	r.	PROPN
framr-2919	341	20	(	(	PUNCT
framr-2919	341	21	2016	2016	NUM
framr-2919	341	22	)	)	PUNCT
framr-2919	341	23	.	.	PUNCT
framr-2919	342	1	technology	technology	NOUN
framr-2919	342	2	acceptance	acceptance	NOUN
framr-2919	342	3	as	as	ADP
framr-2919	342	4	part	part	NOUN
framr-2919	342	5	of	of	ADP
framr-2919	342	6	the	the	DET
framr-2919	342	7	energy	energy	NOUN
framr-2919	342	8	performance	performance	NOUN
framr-2919	342	9	gap	gap	NOUN
framr-2919	342	10	in	in	ADP
framr-2919	342	11	energyefficient	energyefficient	NOUN
framr-2919	342	12	retrofitted	retrofit	VERB
framr-2919	342	13	dwellings	dwelling	NOUN
framr-2919	342	14	florian	florian	PROPN
framr-2919	342	15	heesen	heesen	PROPN
framr-2919	342	16	and	and	CCONJ
framr-2919	342	17	reinhard	reinhard	PROPN
framr-2919	342	18	madlener	madlener	NOUN
framr-2919	342	19	december	december	PROPN
framr-2919	342	20	2014	2014	NUM
framr-2919	342	21	revised	revise	VERB
framr-2919	342	22	february	february	PROPN
framr-2919	342	23	2016	2016	NUM
framr-2919	342	24	institute	institute	PROPN
framr-2919	342	25	for	for	ADP
framr-2919	342	26	future	future	ADJ
framr-2919	342	27	energy	energy	NOUN
framr-2919	342	28	consumer	consumer	NOUN
framr-2919	342	29	needs	need	NOUN
framr-2919	342	30	and	and	CCONJ
framr-2919	342	31	behavior	behavior	NOUN
framr-2919	342	32	(	(	PUNCT
framr-2919	342	33	fcn	fcn	PROPN
framr-2919	342	34	)	)	PUNCT
framr-2919	342	35	(	(	PUNCT
framr-2919	342	36	fcn	fcn	PROPN
framr-2919	342	37	working	working	PROPN
framr-2919	342	38	paper	paper	PROPN
framr-2919	342	39	no	no	INTJ
framr-2919	342	40	.	.	PUNCT
framr-2919	342	41	25/2014	25/2014	NUM
framr-2919	342	42	;	;	PUNCT
framr-2919	342	43	issue	issue	NOUN
framr-2919	342	44	25	25	NUM
framr-2919	342	45	)	)	PUNCT
framr-2919	342	46	.	.	PUNCT
framr-2919	343	1	husin	husin	PROPN
framr-2919	343	2	,	,	PUNCT
framr-2919	343	3	n.	n.	PROPN
framr-2919	343	4	i.	i.	PROPN
framr-2919	343	5	,	,	PUNCT
framr-2919	343	6	ahmad	ahmad	PROPN
framr-2919	343	7	,	,	PUNCT
framr-2919	343	8	a.	a.	PROPN
framr-2919	343	9	c.	c.	PROPN
framr-2919	343	10	,	,	PUNCT
framr-2919	343	11	ab	ab	PROPN
framr-2919	343	12	wahid	wahid	PROPN
framr-2919	343	13	,	,	PUNCT
framr-2919	343	14	a.	a.	NOUN
framr-2919	343	15	m.	m.	NOUN
framr-2919	343	16	,	,	PUNCT
framr-2919	343	17	&	&	CCONJ
framr-2919	343	18	kamaruzzaman	kamaruzzaman	PROPN
framr-2919	343	19	,	,	PUNCT
framr-2919	343	20	s.	s.	PROPN
framr-2919	343	21	n.	n.	PROPN
framr-2919	343	22	(	(	PUNCT
framr-2919	343	23	2017	2017	NUM
framr-2919	343	24	)	)	PUNCT
framr-2919	343	25	.	.	PUNCT
framr-2919	344	1	energy	energy	NOUN
framr-2919	344	2	efficiency	efficiency	NOUN
framr-2919	344	3	criteria	criterion	NOUN
framr-2919	344	4	for	for	ADP
framr-2919	344	5	green	green	ADJ
framr-2919	344	6	highway	highway	NOUN
framr-2919	344	7	.	.	PUNCT
framr-2919	345	1	social	social	ADJ
framr-2919	345	2	science	science	PROPN
framr-2919	345	3	&	&	CCONJ
framr-2919	345	4	humanities	humanities	PROPN
framr-2919	345	5	,	,	PUNCT
framr-2919	345	6	25(s	25(s	NUM
framr-2919	345	7	)	)	PUNCT
framr-2919	345	8	,	,	PUNCT
framr-2919	345	9	115–124	115–124	NUM
framr-2919	345	10	.	.	PUNCT
framr-2919	346	1	kumbaroğlu	kumbaroğlu	PROPN
framr-2919	346	2	,	,	PUNCT
framr-2919	346	3	g.	g.	PROPN
framr-2919	346	4	,	,	PUNCT
framr-2919	346	5	&	&	CCONJ
framr-2919	346	6	madlener	madlener	PROPN
framr-2919	346	7	,	,	PUNCT
framr-2919	346	8	r.	r.	PROPN
framr-2919	346	9	(	(	PUNCT
framr-2919	346	10	2012	2012	NUM
framr-2919	346	11	)	)	PUNCT
framr-2919	346	12	.	.	PUNCT
framr-2919	347	1	evaluation	evaluation	NOUN
framr-2919	347	2	of	of	ADP
framr-2919	347	3	economically	economically	ADV
framr-2919	347	4	optimal	optimal	ADJ
framr-2919	347	5	retrofit	retrofit	NOUN
framr-2919	347	6	investment	investment	NOUN
framr-2919	347	7	options	option	NOUN
framr-2919	347	8	for	for	ADP
framr-2919	347	9	energy	energy	NOUN
framr-2919	347	10	savings	saving	NOUN
framr-2919	347	11	in	in	ADP
framr-2919	347	12	buildings	building	NOUN
framr-2919	347	13	.	.	PUNCT
framr-2919	348	1	energy	energy	NOUN
framr-2919	348	2	and	and	CCONJ
framr-2919	348	3	buildings	building	NOUN
framr-2919	348	4	,	,	PUNCT
framr-2919	348	5	49	49	NUM
framr-2919	348	6	,	,	PUNCT
framr-2919	348	7	327-334.available	327-334.available	NUM
framr-2919	348	8	at	at	ADP
framr-2919	348	9	:	:	PUNCT
framr-2919	348	10	https://doi.org/10.1016/j.enbuild.2012.02.022	https://doi.org/10.1016/j.enbuild.2012.02.022	NOUN
framr-2919	348	11	.	.	PUNCT
framr-2919	348	12	financial	financial	ADJ
framr-2919	348	13	risk	risk	NOUN
framr-2919	348	14	and	and	CCONJ
framr-2919	348	15	management	management	NOUN
framr-2919	348	16	reviews	review	NOUN
framr-2919	348	17	,	,	PUNCT
framr-2919	348	18	2022	2022	NUM
framr-2919	348	19	,	,	PUNCT
framr-2919	348	20	8(1	8(1	NOUN
framr-2919	348	21	):	):	PUNCT
framr-2919	348	22	1	1	NUM
framr-2919	348	23	-	-	SYM
framr-2919	348	24	11	11	NUM
framr-2919	348	25	11	11	NUM
framr-2919	348	26	©	©	PROPN
framr-2919	348	27	2022	2022	NUM
framr-2919	348	28	conscientia	conscientia	PROPN
framr-2919	348	29	beam	beam	PROPN
framr-2919	348	30	.	.	PUNCT
framr-2919	349	1	all	all	DET
framr-2919	349	2	rights	right	NOUN
framr-2919	349	3	reserved	reserve	VERB
framr-2919	349	4	.	.	PUNCT
framr-2919	350	1	lee	lee	PROPN
framr-2919	350	2	,	,	PUNCT
framr-2919	350	3	t.-s	t.-s	PROPN
framr-2919	350	4	.	.	PUNCT
framr-2919	350	5	,	,	PUNCT
framr-2919	350	6	&	&	CCONJ
framr-2919	350	7	chen	chen	PROPN
framr-2919	350	8	,	,	PUNCT
framr-2919	350	9	i.-f	i.-f	PROPN
framr-2919	350	10	.	.	PUNCT
framr-2919	351	1	(	(	PUNCT
framr-2919	351	2	2005	2005	NUM
framr-2919	351	3	)	)	PUNCT
framr-2919	351	4	.	.	PUNCT
framr-2919	352	1	a	a	DET
framr-2919	352	2	two	two	NUM
framr-2919	352	3	-	-	PUNCT
framr-2919	352	4	stage	stage	NOUN
framr-2919	352	5	hybrid	hybrid	ADJ
framr-2919	352	6	credit	credit	NOUN
framr-2919	352	7	scoring	scoring	NOUN
framr-2919	352	8	model	model	NOUN
framr-2919	352	9	using	use	VERB
framr-2919	352	10	artificial	artificial	ADJ
framr-2919	352	11	neural	neural	ADJ
framr-2919	352	12	networks	network	NOUN
framr-2919	352	13	and	and	CCONJ
framr-2919	352	14	multivariate	multivariate	VERB
framr-2919	352	15	adaptive	adaptive	ADJ
framr-2919	352	16	regression	regression	NOUN
framr-2919	352	17	splines	spline	NOUN
framr-2919	352	18	.	.	PUNCT
framr-2919	353	1	expert	expert	NOUN
framr-2919	353	2	systems	system	NOUN
framr-2919	353	3	with	with	ADP
framr-2919	353	4	applications	application	NOUN
framr-2919	353	5	,	,	PUNCT
framr-2919	353	6	28(4	28(4	NUM
framr-2919	353	7	)	)	PUNCT
framr-2919	353	8	,	,	PUNCT
framr-2919	353	9	743	743	NUM
framr-2919	353	10	-	-	SYM
framr-2919	353	11	752	752	NUM
framr-2919	353	12	.	.	PUNCT
framr-2919	354	1	lee	lee	PROPN
framr-2919	354	2	,	,	PUNCT
framr-2919	354	3	i.	i.	PROPN
framr-2919	354	4	,	,	PUNCT
framr-2919	354	5	&	&	CCONJ
framr-2919	354	6	lee	lee	PROPN
framr-2919	354	7	,	,	PUNCT
framr-2919	354	8	k.	k.	PROPN
framr-2919	354	9	(	(	PUNCT
framr-2919	354	10	2015	2015	NUM
framr-2919	354	11	)	)	PUNCT
framr-2919	354	12	.	.	PUNCT
framr-2919	355	1	the	the	DET
framr-2919	355	2	internet	internet	NOUN
framr-2919	355	3	of	of	ADP
framr-2919	355	4	things	thing	NOUN
framr-2919	355	5	(	(	PUNCT
framr-2919	355	6	iot	iot	ADJ
framr-2919	355	7	):	):	PUNCT
framr-2919	355	8	applications	application	NOUN
framr-2919	355	9	,	,	PUNCT
framr-2919	355	10	investments	investment	NOUN
framr-2919	355	11	,	,	PUNCT
framr-2919	355	12	and	and	CCONJ
framr-2919	355	13	challenges	challenge	NOUN
framr-2919	355	14	for	for	ADP
framr-2919	355	15	enterprises	enterprise	NOUN
framr-2919	355	16	.	.	PUNCT
framr-2919	356	1	business	business	NOUN
framr-2919	356	2	horizons	horizon	NOUN
framr-2919	356	3	,	,	PUNCT
framr-2919	356	4	58(4	58(4	NUM
framr-2919	356	5	)	)	PUNCT
framr-2919	356	6	,	,	PUNCT
framr-2919	356	7	431-440.available	431-440.available	NUM
framr-2919	356	8	at	at	ADP
framr-2919	356	9	:	:	PUNCT
framr-2919	356	10	https://doi.org/10.1016/j.bushor.2015.03.008	https://doi.org/10.1016/j.bushor.2015.03.008	NOUN
framr-2919	356	11	.	.	PUNCT
framr-2919	357	1	lessmann	lessmann	PROPN
framr-2919	357	2	,	,	PUNCT
framr-2919	357	3	s.	s.	PROPN
framr-2919	357	4	,	,	PUNCT
framr-2919	357	5	baesens	baesen	NOUN
framr-2919	357	6	,	,	PUNCT
framr-2919	357	7	b.	b.	PROPN
framr-2919	357	8	,	,	PUNCT
framr-2919	357	9	seow	seow	PROPN
framr-2919	357	10	,	,	PUNCT
framr-2919	357	11	h.-v	h.-v	PROPN
framr-2919	357	12	.	.	PUNCT
framr-2919	357	13	,	,	PUNCT
framr-2919	357	14	&	&	CCONJ
framr-2919	357	15	thomas	thomas	PROPN
framr-2919	357	16	,	,	PUNCT
framr-2919	357	17	l.	l.	PROPN
framr-2919	357	18	c.	c.	PROPN
framr-2919	357	19	(	(	PUNCT
framr-2919	357	20	2015	2015	NUM
framr-2919	357	21	)	)	PUNCT
framr-2919	357	22	.	.	PUNCT
framr-2919	358	1	benchmarking	benchmarke	VERB
framr-2919	358	2	state	state	NOUN
framr-2919	358	3	-	-	PUNCT
framr-2919	358	4	of	of	ADP
framr-2919	358	5	-	-	PUNCT
framr-2919	358	6	the	the	DET
framr-2919	358	7	-	-	PUNCT
framr-2919	358	8	art	art	NOUN
framr-2919	358	9	classification	classification	NOUN
framr-2919	358	10	algorithms	algorithm	NOUN
framr-2919	358	11	for	for	ADP
framr-2919	358	12	credit	credit	NOUN
framr-2919	358	13	scoring	scoring	NOUN
framr-2919	358	14	:	:	PUNCT
framr-2919	358	15	an	an	DET
framr-2919	358	16	update	update	NOUN
framr-2919	358	17	of	of	ADP
framr-2919	358	18	research	research	NOUN
framr-2919	358	19	.	.	PUNCT
framr-2919	359	1	european	european	ADJ
framr-2919	359	2	journal	journal	PROPN
framr-2919	359	3	of	of	ADP
framr-2919	359	4	operational	operational	ADJ
framr-2919	359	5	research	research	NOUN
framr-2919	359	6	,	,	PUNCT
framr-2919	359	7	247(1	247(1	NUM
framr-2919	359	8	)	)	PUNCT
framr-2919	359	9	,	,	PUNCT
framr-2919	359	10	124-136.available	124-136.available	NUM
framr-2919	359	11	at	at	ADP
framr-2919	359	12	:	:	PUNCT
framr-2919	359	13	https://doi.org/10.1016/j.ejor.2015.05.030	https://doi.org/10.1016/j.ejor.2015.05.030	PROPN
framr-2919	359	14	.	.	PUNCT
framr-2919	360	1	liang	liang	PROPN
framr-2919	360	2	,	,	PUNCT
framr-2919	360	3	k.	k.	PROPN
framr-2919	360	4	,	,	PUNCT
framr-2919	360	5	&	&	CCONJ
framr-2919	360	6	he	he	PRON
framr-2919	360	7	,	,	PUNCT
framr-2919	360	8	j.	j.	PROPN
framr-2919	360	9	(	(	PUNCT
framr-2919	360	10	2020	2020	NUM
framr-2919	360	11	)	)	PUNCT
framr-2919	360	12	.	.	PUNCT
framr-2919	361	1	analyzing	analyze	VERB
framr-2919	361	2	credit	credit	NOUN
framr-2919	361	3	risk	risk	NOUN
framr-2919	361	4	among	among	ADP
framr-2919	361	5	chinese	chinese	ADJ
framr-2919	361	6	p2p	p2p	NOUN
framr-2919	361	7	-	-	PUNCT
framr-2919	361	8	lending	lending	NOUN
framr-2919	361	9	businesses	business	NOUN
framr-2919	361	10	by	by	ADP
framr-2919	361	11	integrating	integrate	VERB
framr-2919	361	12	text	text	NOUN
framr-2919	361	13	-	-	PUNCT
framr-2919	361	14	related	relate	VERB
framr-2919	361	15	soft	soft	ADJ
framr-2919	361	16	information	information	NOUN
framr-2919	361	17	.	.	PUNCT
framr-2919	362	1	electronic	electronic	ADJ
framr-2919	362	2	commerce	commerce	NOUN
framr-2919	362	3	research	research	NOUN
framr-2919	362	4	and	and	CCONJ
framr-2919	362	5	applications	application	NOUN
framr-2919	362	6	,	,	PUNCT
framr-2919	362	7	40	40	NUM
framr-2919	362	8	,	,	PUNCT
framr-2919	362	9	100947.available	100947.available	NOUN
framr-2919	362	10	at	at	ADP
framr-2919	362	11	:	:	PUNCT
framr-2919	362	12	https://doi.org/10.1016/j.elerap.2020.100947	https://doi.org/10.1016/j.elerap.2020.100947	PROPN
framr-2919	362	13	.	.	PUNCT
framr-2919	363	1	mcwilliams	mcwilliams	PROPN
framr-2919	363	2	,	,	PUNCT
framr-2919	363	3	j.	j.	PROPN
framr-2919	363	4	a.	a.	PROPN
framr-2919	363	5	,	,	PUNCT
framr-2919	363	6	&	&	CCONJ
framr-2919	363	7	walker	walker	PROPN
framr-2919	363	8	,	,	PUNCT
framr-2919	363	9	i.	i.	PROPN
framr-2919	363	10	s.	s.	PROPN
framr-2919	363	11	(	(	PUNCT
framr-2919	363	12	2005	2005	NUM
framr-2919	363	13	)	)	PUNCT
framr-2919	363	14	.	.	PUNCT
framr-2919	364	1	home	home	NOUN
framr-2919	364	2	energy	energy	NOUN
framr-2919	364	3	article	article	NOUN
framr-2919	364	4	 	 	SPACE
framr-2919	364	5	:	:	PUNCT
framr-2919	364	6	a	a	DET
framr-2919	364	7	systems	system	NOUN
framr-2919	364	8	approach	approach	NOUN
framr-2919	364	9	to	to	ADP
framr-2919	364	10	retrofitting	retrofit	VERB
framr-2919	364	11	residential	residential	ADJ
framr-2919	364	12	hvac	hvac	NOUN
framr-2919	364	13	systems	system	NOUN
framr-2919	364	14	:	:	PUNCT
framr-2919	364	15	lawrence	lawrence	PROPN
framr-2919	364	16	berkeley	berkeley	PROPN
framr-2919	364	17	national	national	PROPN
framr-2919	364	18	laboratory	laboratory	PROPN
framr-2919	364	19	(	(	PUNCT
framr-2919	364	20	issue	issue	NOUN
framr-2919	364	21	april	april	PROPN
framr-2919	364	22	)	)	PUNCT
framr-2919	364	23	.	.	PUNCT
framr-2919	365	1	ruparathna	ruparathna	PROPN
framr-2919	365	2	,	,	PUNCT
framr-2919	365	3	r.	r.	PROPN
framr-2919	365	4	,	,	PUNCT
framr-2919	365	5	hewage	hewage	NOUN
framr-2919	365	6	,	,	PUNCT
framr-2919	365	7	k.	k.	PROPN
framr-2919	365	8	,	,	PUNCT
framr-2919	365	9	&	&	CCONJ
framr-2919	365	10	sadiq	sadiq	PROPN
framr-2919	365	11	,	,	PUNCT
framr-2919	365	12	r.	r.	PROPN
framr-2919	365	13	(	(	PUNCT
framr-2919	365	14	2017	2017	NUM
framr-2919	365	15	)	)	PUNCT
framr-2919	365	16	.	.	PUNCT
framr-2919	366	1	economic	economic	ADJ
framr-2919	366	2	evaluation	evaluation	NOUN
framr-2919	366	3	of	of	ADP
framr-2919	366	4	building	build	VERB
framr-2919	366	5	energy	energy	NOUN
framr-2919	366	6	retrofits	retrofit	NOUN
framr-2919	366	7	:	:	PUNCT
framr-2919	366	8	a	a	DET
framr-2919	366	9	fuzzy	fuzzy	ADJ
framr-2919	366	10	based	base	VERB
framr-2919	366	11	approach	approach	NOUN
framr-2919	366	12	.	.	PUNCT
framr-2919	367	1	energy	energy	NOUN
framr-2919	367	2	and	and	CCONJ
framr-2919	367	3	buildings	building	NOUN
framr-2919	367	4	,	,	PUNCT
framr-2919	367	5	139	139	NUM
framr-2919	367	6	,	,	PUNCT
framr-2919	367	7	395-406.available	395-406.available	NUM
framr-2919	367	8	at	at	ADP
framr-2919	367	9	:	:	PUNCT
framr-2919	367	10	https://doi.org/10.1016/j.enbuild.2017.01.031	https://doi.org/10.1016/j.enbuild.2017.01.031	PROPN
framr-2919	367	11	.	.	PUNCT
framr-2919	368	1	sarosa	sarosa	PROPN
framr-2919	368	2	,	,	PUNCT
framr-2919	368	3	s.	s.	PROPN
framr-2919	368	4	(	(	PUNCT
framr-2919	368	5	2012	2012	NUM
framr-2919	368	6	)	)	PUNCT
framr-2919	368	7	.	.	PUNCT
framr-2919	369	1	adoption	adoption	NOUN
framr-2919	369	2	of	of	ADP
framr-2919	369	3	social	social	ADJ
framr-2919	369	4	media	medium	NOUN
framr-2919	369	5	networks	network	NOUN
framr-2919	369	6	by	by	ADP
framr-2919	369	7	indonesian	indonesian	PROPN
framr-2919	369	8	sme	sme	PROPN
framr-2919	369	9	:	:	PUNCT
framr-2919	369	10	a	a	DET
framr-2919	369	11	case	case	NOUN
framr-2919	369	12	study	study	NOUN
framr-2919	369	13	.	.	PUNCT
framr-2919	370	1	procedia	procedia	NOUN
framr-2919	370	2	economics	economic	NOUN
framr-2919	370	3	and	and	CCONJ
framr-2919	370	4	finance	finance	NOUN
framr-2919	370	5	,	,	PUNCT
framr-2919	370	6	4	4	NUM
framr-2919	370	7	,	,	PUNCT
framr-2919	370	8	244	244	NUM
framr-2919	370	9	–	–	PUNCT
framr-2919	370	10	254.available	254.available	ADJ
framr-2919	370	11	at	at	ADP
framr-2919	370	12	:	:	PUNCT
framr-2919	370	13	https://doi.org/10.1016/s2212-5671(12)00339-5	https://doi.org/10.1016/s2212-5671(12)00339-5	PROPN
framr-2919	370	14	.	.	PUNCT
framr-2919	371	1	stern	stern	PROPN
framr-2919	371	2	,	,	PUNCT
framr-2919	371	3	p.	p.	PROPN
framr-2919	371	4	c.	c.	PROPN
framr-2919	371	5	(	(	PUNCT
framr-2919	371	6	2011	2011	NUM
framr-2919	371	7	)	)	PUNCT
framr-2919	371	8	.	.	PUNCT
framr-2919	372	1	contributions	contribution	NOUN
framr-2919	372	2	of	of	ADP
framr-2919	372	3	psychology	psychology	NOUN
framr-2919	372	4	to	to	ADP
framr-2919	372	5	limiting	limit	VERB
framr-2919	372	6	climate	climate	NOUN
framr-2919	372	7	change	change	NOUN
framr-2919	372	8	.	.	PUNCT
framr-2919	373	1	american	american	ADJ
framr-2919	373	2	psychologist	psychologist	PROPN
framr-2919	373	3	,	,	PUNCT
framr-2919	373	4	66(4	66(4	NUM
framr-2919	373	5	)	)	PUNCT
framr-2919	373	6	,	,	PUNCT
framr-2919	373	7	303–314	303–314	NUM
framr-2919	373	8	.	.	PUNCT
framr-2919	374	1	the	the	DET
framr-2919	374	2	united	united	PROPN
framr-2919	374	3	states	states	PROPN
framr-2919	374	4	environmental	environmental	ADJ
framr-2919	374	5	protection	protection	NOUN
framr-2919	374	6	,	,	PUNCT
framr-2919	374	7	a.	a.	NOUN
framr-2919	374	8	(	(	PUNCT
framr-2919	374	9	2008	2008	NUM
framr-2919	374	10	)	)	PUNCT
framr-2919	374	11	.	.	PUNCT
framr-2919	375	1	energy	energy	NOUN
framr-2919	375	2	star	star	PROPN
framr-2919	375	3	®	®	PROPN
framr-2919	375	4	building	build	VERB
framr-2919	375	5	upgrade	upgrade	VERB
framr-2919	375	6	manual	manual	ADJ
framr-2919	375	7	energy	energy	NOUN
framr-2919	375	8	star	star	NOUN
framr-2919	375	9	®	®	PROPN
framr-2919	375	10	building	build	VERB
framr-2919	375	11	upgrade	upgrade	VERB
framr-2919	375	12	manual	manual	ADJ
framr-2919	375	13	contents	content	NOUN
framr-2919	375	14	(	(	PUNCT
framr-2919	375	15	office	office	NOUN
framr-2919	375	16	of	of	ADP
framr-2919	375	17	air	air	NOUN
framr-2919	375	18	and	and	CCONJ
framr-2919	375	19	radiation	radiation	NOUN
framr-2919	375	20	2008	2008	NUM
framr-2919	375	21	edition	edition	NOUN
framr-2919	375	22	)	)	PUNCT
framr-2919	375	23	.	.	PUNCT
framr-2919	376	1	west	west	PROPN
framr-2919	376	2	,	,	PUNCT
framr-2919	376	3	d.	d.	PROPN
framr-2919	376	4	(	(	PUNCT
framr-2919	376	5	2000	2000	NUM
framr-2919	376	6	)	)	PUNCT
framr-2919	376	7	.	.	PUNCT
framr-2919	377	1	neural	neural	ADJ
framr-2919	377	2	network	network	NOUN
framr-2919	377	3	credit	credit	NOUN
framr-2919	377	4	scoring	scoring	NOUN
framr-2919	377	5	models	model	NOUN
framr-2919	377	6	.	.	PUNCT
framr-2919	378	1	computers	computer	NOUN
framr-2919	378	2	&	&	CCONJ
framr-2919	378	3	operations	operation	NOUN
framr-2919	378	4	research	research	NOUN
framr-2919	378	5	,	,	PUNCT
framr-2919	378	6	27(11	27(11	NUM
framr-2919	378	7	-	-	SYM
framr-2919	378	8	12	12	NUM
framr-2919	378	9	)	)	PUNCT
framr-2919	378	10	,	,	PUNCT
framr-2919	378	11	1131	1131	NUM
framr-2919	378	12	-	-	SYM
framr-2919	378	13	1152	1152	NUM
framr-2919	378	14	.	.	PUNCT
framr-2919	379	1	wiginton	wiginton	NOUN
framr-2919	379	2	,	,	PUNCT
framr-2919	379	3	j.	j.	PROPN
framr-2919	379	4	c.	c.	PROPN
framr-2919	379	5	(	(	PUNCT
framr-2919	379	6	1980	1980	NUM
framr-2919	379	7	)	)	PUNCT
framr-2919	379	8	.	.	PUNCT
framr-2919	380	1	university	university	PROPN
framr-2919	380	2	of	of	ADP
framr-2919	380	3	washington	washington	PROPN
framr-2919	380	4	school	school	PROPN
framr-2919	380	5	of	of	ADP
framr-2919	380	6	business	business	PROPN
framr-2919	380	7	administration	administration	PROPN
framr-2919	380	8	cambridge	cambridge	PROPN
framr-2919	380	9	university	university	PROPN
framr-2919	380	10	press	press	NOUN
framr-2919	380	11	.	.	PUNCT
framr-2919	381	1	journal	journal	NOUN
framr-2919	381	2	of	of	ADP
framr-2919	381	3	financial	financial	ADJ
framr-2919	381	4	and	and	CCONJ
framr-2919	381	5	quantitative	quantitative	ADJ
framr-2919	381	6	analysis	analysis	NOUN
framr-2919	381	7	,	,	PUNCT
framr-2919	381	8	15(3	15(3	NUM
framr-2919	381	9	)	)	PUNCT
framr-2919	381	10	,	,	PUNCT
framr-2919	381	11	757–770	757–770	NUM
framr-2919	381	12	.	.	PUNCT
framr-2919	381	13	wsgr	wsgr	NOUN
framr-2919	381	14	.	.	PUNCT
framr-2919	382	1	(	(	PUNCT
framr-2919	382	2	2015	2015	NUM
framr-2919	382	3	)	)	PUNCT
framr-2919	382	4	.	.	PUNCT
framr-2919	383	1	innovative	innovative	ADJ
framr-2919	383	2	financing	financing	NOUN
framr-2919	383	3	for	for	ADP
framr-2919	383	4	renewable	renewable	ADJ
framr-2919	383	5	energy	energy	NOUN
framr-2919	383	6	innovative	innovative	ADJ
framr-2919	383	7	financing	financing	NOUN
framr-2919	383	8	for	for	ADP
framr-2919	383	9	renewable	renewable	ADJ
framr-2919	383	10	energy	energy	NOUN
framr-2919	383	11	article	article	NOUN
framr-2919	383	12	innovative	innovative	ADJ
framr-2919	383	13	financing	financing	NOUN
framr-2919	383	14	for	for	ADP
framr-2919	383	15	renewable	renewable	ADJ
framr-2919	383	16	energy	energy	NOUN
framr-2919	383	17	.	.	PUNCT
framr-2919	384	1	retrieved	retrieve	VERB
framr-2919	384	2	from	from	ADP
framr-2919	384	3	:	:	PUNCT
framr-2919	384	4	https://digitalcommons.pace.edu/pelr	https://digitalcommons.pace.edu/pelr	PROPN
framr-2919	384	5	.	.	PUNCT
framr-2919	385	1	views	view	NOUN
framr-2919	385	2	and	and	CCONJ
framr-2919	385	3	opinions	opinion	NOUN
framr-2919	385	4	expressed	express	VERB
framr-2919	385	5	in	in	ADP
framr-2919	385	6	this	this	DET
framr-2919	385	7	article	article	NOUN
framr-2919	385	8	are	be	AUX
framr-2919	385	9	the	the	DET
framr-2919	385	10	views	view	NOUN
framr-2919	385	11	and	and	CCONJ
framr-2919	385	12	opinions	opinion	NOUN
framr-2919	385	13	of	of	ADP
framr-2919	385	14	the	the	DET
framr-2919	385	15	author(s	author(s	NOUN
framr-2919	385	16	)	)	PUNCT
framr-2919	385	17	,	,	PUNCT
framr-2919	385	18	financial	financial	ADJ
framr-2919	385	19	risk	risk	NOUN
framr-2919	385	20	and	and	CCONJ
framr-2919	385	21	management	management	NOUN
framr-2919	385	22	reviews	review	NOUN
framr-2919	385	23	shall	shall	AUX
framr-2919	385	24	not	not	PART
framr-2919	385	25	be	be	AUX
framr-2919	385	26	responsible	responsible	ADJ
framr-2919	385	27	or	or	CCONJ
framr-2919	385	28	answerable	answerable	ADJ
framr-2919	385	29	for	for	ADP
framr-2919	385	30	any	any	DET
framr-2919	385	31	loss	loss	NOUN
framr-2919	385	32	,	,	PUNCT
framr-2919	385	33	damage	damage	NOUN
framr-2919	385	34	or	or	CCONJ
framr-2919	385	35	liability	liability	NOUN
framr-2919	385	36	etc	etc	X
framr-2919	385	37	.	.	X
framr-2919	386	1	caused	cause	VERB
framr-2919	386	2	in	in	ADP
framr-2919	386	3	relation	relation	NOUN
framr-2919	386	4	to	to	PART
framr-2919	386	5	/	/	PUNCT
framr-2919	386	6	arising	arise	VERB
framr-2919	386	7	out	out	ADP
framr-2919	386	8	of	of	ADP
framr-2919	386	9	the	the	DET
framr-2919	386	10	use	use	NOUN
framr-2919	386	11	of	of	ADP
framr-2919	386	12	the	the	DET
framr-2919	386	13	content	content	NOUN
framr-2919	386	14	.	.	PUNCT