id	sid	tid	token	lemma	pos
framr-4075	1	1	1	1	NUM
framr-4075	1	2	©	©	PROPN
framr-4075	1	3	2025	2025	NUM
framr-4075	1	4	conscientia	conscientia	PROPN
framr-4075	1	5	beam	beam	PROPN
framr-4075	1	6	.	.	PUNCT
framr-4075	2	1	all	all	DET
framr-4075	2	2	rights	right	NOUN
framr-4075	2	3	reserved	reserve	VERB
framr-4075	2	4	.	.	PUNCT
framr-4075	3	1	assessing	assess	VERB
framr-4075	3	2	the	the	DET
framr-4075	3	3	impact	impact	NOUN
framr-4075	3	4	of	of	ADP
framr-4075	3	5	financial	financial	ADJ
framr-4075	3	6	technology	technology	NOUN
framr-4075	3	7	:	:	PUNCT
framr-4075	3	8	is	be	AUX
framr-4075	3	9	it	it	PRON
framr-4075	3	10	a	a	DET
framr-4075	3	11	curse	curse	NOUN
framr-4075	3	12	or	or	CCONJ
framr-4075	3	13	blessing	blessing	NOUN
framr-4075	3	14	for	for	ADP
framr-4075	3	15	financial	financial	ADJ
framr-4075	3	16	crimes	crime	NOUN
framr-4075	3	17	in	in	ADP
framr-4075	3	18	financial	financial	ADJ
framr-4075	3	19	institutions	institution	NOUN
framr-4075	3	20	?	?	PUNCT
framr-4075	4	1	financial	financial	ADJ
framr-4075	4	2	risk	risk	NOUN
framr-4075	4	3	and	and	CCONJ
framr-4075	4	4	management	management	NOUN
framr-4075	4	5	reviews	review	NOUN
framr-4075	4	6	2025	2025	NUM
framr-4075	4	7	vol	vol	NOUN
framr-4075	4	8	.	.	PUNCT
framr-4075	5	1	11	11	NUM
framr-4075	5	2	,	,	PUNCT
framr-4075	5	3	no	no	INTJ
framr-4075	5	4	.	.	NOUN
framr-4075	5	5	1	1	NUM
framr-4075	5	6	,	,	PUNCT
framr-4075	5	7	pp	pp	ADJ
framr-4075	5	8	.	.	PUNCT
framr-4075	6	1	1	1	NUM
framr-4075	6	2	-	-	SYM
framr-4075	6	3	36	36	NUM
framr-4075	6	4	issn(e	issn(e	NOUN
framr-4075	6	5	):	):	PUNCT
framr-4075	6	6	2411	2411	NUM
framr-4075	6	7	-	-	SYM
framr-4075	6	8	6408	6408	NUM
framr-4075	6	9	issn(p	issn(p	NUM
framr-4075	6	10	):	):	PUNCT
framr-4075	6	11	2412	2412	NUM
framr-4075	6	12	-	-	SYM
framr-4075	6	13	3404	3404	NUM
framr-4075	6	14	doi	doi	NOUN
framr-4075	6	15	:	:	PUNCT
framr-4075	6	16	10.18488/89.v11i1.4075	10.18488/89.v11i1.4075	PROPN
framr-4075	6	17	©	©	PROPN
framr-4075	6	18	2023	2023	NUM
framr-4075	6	19	conscientia	conscientia	PROPN
framr-4075	6	20	beam	beam	PROPN
framr-4075	6	21	.	.	PUNCT
framr-4075	7	1	all	all	DET
framr-4075	7	2	rights	right	NOUN
framr-4075	7	3	reserved	reserve	VERB
framr-4075	7	4	.	.	PUNCT
framr-4075	8	1	tipon	tipon	ADP
framr-4075	8	2	tanchangya1	tanchangya1	NOUN
framr-4075	8	3	+	+	CCONJ
framr-4075	8	4	kamron	kamron	PROPN
framr-4075	8	5	naher2	naher2	PROPN
framr-4075	8	6	md	md	PROPN
framr-4075	8	7	rakib	rakib	PROPN
framr-4075	8	8	mia3	mia3	PROPN
framr-4075	8	9	srima	srima	PROPN
framr-4075	8	10	chowdhury4	chowdhury4	PROPN
framr-4075	8	11	naimul	naimul	PROPN
framr-4075	8	12	islam5	islam5	PROPN
framr-4075	9	1	1department	1department	NUM
framr-4075	9	2	of	of	ADP
framr-4075	9	3	finance	finance	NOUN
framr-4075	9	4	,	,	PUNCT
framr-4075	9	5	university	university	PROPN
framr-4075	9	6	of	of	ADP
framr-4075	9	7	chittagong	chittagong	PROPN
framr-4075	9	8	,	,	PUNCT
framr-4075	9	9	chittagong	chittagong	PROPN
framr-4075	9	10	4331	4331	NUM
framr-4075	9	11	,	,	PUNCT
framr-4075	9	12	bangladesh	bangladesh	PROPN
framr-4075	9	13	.	.	PUNCT
framr-4075	10	1	email	email	NOUN
framr-4075	10	2	:	:	PUNCT
framr-4075	11	1	tipon.tcg.edu@gmail.com	tipon.tcg.edu@gmail.com	PROPN
framr-4075	11	2	2department	2department	NUM
framr-4075	11	3	of	of	ADP
framr-4075	11	4	business	business	NOUN
framr-4075	11	5	,	,	PUNCT
framr-4075	11	6	presidency	presidency	NOUN
framr-4075	11	7	university	university	NOUN
framr-4075	11	8	,	,	PUNCT
framr-4075	11	9	dhaka-1212	dhaka-1212	ADJ
framr-4075	11	10	,	,	PUNCT
framr-4075	11	11	bangladesh	bangladesh	NOUN
framr-4075	11	12	.	.	PUNCT
framr-4075	12	1	email	email	NOUN
framr-4075	12	2	:	:	PUNCT
framr-4075	12	3	naherk@pu.edu.bd	naherk@pu.edu.bd	PROPN
framr-4075	12	4	3department	3department	NUM
framr-4075	12	5	of	of	ADP
framr-4075	12	6	business	business	PROPN
framr-4075	12	7	administration	administration	NOUN
framr-4075	12	8	,	,	PUNCT
framr-4075	12	9	ahsanullah	ahsanullah	PROPN
framr-4075	12	10	university	university	PROPN
framr-4075	12	11	of	of	ADP
framr-4075	12	12	science	science	NOUN
framr-4075	12	13	and	and	CCONJ
framr-4075	12	14	technology	technology	NOUN
framr-4075	12	15	,	,	PUNCT
framr-4075	12	16	dhaka	dhaka	PROPN
framr-4075	12	17	,	,	PUNCT
framr-4075	12	18	bangladesh	bangladesh	PROPN
framr-4075	12	19	.	.	PUNCT
framr-4075	13	1	email	email	NOUN
framr-4075	13	2	:	:	PUNCT
framr-4075	13	3	mdrakibmia087@gmail.com	mdrakibmia087@gmail.com	PROPN
framr-4075	13	4	4department	4department	NUM
framr-4075	13	5	of	of	ADP
framr-4075	13	6	accounting	accounting	NOUN
framr-4075	13	7	,	,	PUNCT
framr-4075	13	8	university	university	PROPN
framr-4075	13	9	of	of	ADP
framr-4075	13	10	chittagong	chittagong	PROPN
framr-4075	13	11	,	,	PUNCT
framr-4075	13	12	chittagong	chittagong	PROPN
framr-4075	13	13	4203	4203	NUM
framr-4075	13	14	,	,	PUNCT
framr-4075	13	15	bangladesh	bangladesh	NOUN
framr-4075	13	16	.	.	PUNCT
framr-4075	14	1	email	email	NOUN
framr-4075	14	2	:	:	PUNCT
framr-4075	14	3	srrimachy@gmail.com	srrimachy@gmail.com	X
framr-4075	15	1	5department	5department	NUM
framr-4075	15	2	of	of	ADP
framr-4075	15	3	accounting	accounting	NOUN
framr-4075	15	4	,	,	PUNCT
framr-4075	15	5	finance	finance	NOUN
framr-4075	15	6	and	and	CCONJ
framr-4075	15	7	economics	economic	NOUN
framr-4075	15	8	,	,	PUNCT
framr-4075	15	9	university	university	NOUN
framr-4075	15	10	of	of	ADP
framr-4075	15	11	greenwich	greenwich	PROPN
framr-4075	15	12	,	,	PUNCT
framr-4075	15	13	london	london	PROPN
framr-4075	15	14	se10	se10	PROPN
framr-4075	15	15	9ls	9ls	NOUN
framr-4075	15	16	,	,	PUNCT
framr-4075	15	17	uk	uk	PROPN
framr-4075	15	18	.	.	PROPN
framr-4075	15	19	email	email	NOUN
framr-4075	15	20	:	:	PUNCT
framr-4075	15	21	naimmgtdu75@gmail.com	naimmgtdu75@gmail.com	X
framr-4075	15	22	(	(	PUNCT
framr-4075	15	23	+	+	CCONJ
framr-4075	15	24	corresponding	correspond	VERB
framr-4075	15	25	author	author	NOUN
framr-4075	15	26	)	)	PUNCT
framr-4075	15	27	abstract	abstract	ADJ
framr-4075	15	28	article	article	NOUN
framr-4075	15	29	history	history	NOUN
framr-4075	15	30	received	receive	VERB
framr-4075	15	31	:	:	PUNCT
framr-4075	15	32	30	30	NUM
framr-4075	15	33	september	september	PROPN
framr-4075	15	34	2024	2024	NUM
framr-4075	15	35	revised	revise	VERB
framr-4075	15	36	:	:	PUNCT
framr-4075	15	37	14	14	NUM
framr-4075	15	38	january	january	PROPN
framr-4075	15	39	2025	2025	NUM
framr-4075	15	40	accepted	accept	VERB
framr-4075	15	41	:	:	PUNCT
framr-4075	15	42	24	24	NUM
framr-4075	15	43	january	january	NOUN
framr-4075	15	44	2024	2024	NUM
framr-4075	15	45	published	publish	VERB
framr-4075	15	46	:	:	PUNCT
framr-4075	15	47	31	31	NUM
framr-4075	15	48	january	january	NOUN
framr-4075	15	49	2025	2025	NUM
framr-4075	15	50	keywords	keyword	NOUN
framr-4075	15	51	blessing	blessing	NOUN
framr-4075	15	52	of	of	ADP
framr-4075	15	53	financial	financial	ADJ
framr-4075	15	54	technologies	technology	NOUN
framr-4075	15	55	curse	curse	NOUN
framr-4075	15	56	of	of	ADP
framr-4075	15	57	financial	financial	ADJ
framr-4075	15	58	technologies	technology	NOUN
framr-4075	15	59	financial	financial	ADJ
framr-4075	15	60	crimes	crime	NOUN
framr-4075	15	61	financial	financial	ADJ
framr-4075	15	62	institutions	institution	NOUN
framr-4075	15	63	financial	financial	ADJ
framr-4075	15	64	technologies	technology	NOUN
framr-4075	15	65	.	.	PUNCT
framr-4075	16	1	cybercrimes	cybercrime	NOUN
framr-4075	16	2	the	the	DET
framr-4075	16	3	study	study	NOUN
framr-4075	16	4	aims	aim	VERB
framr-4075	16	5	to	to	PART
framr-4075	16	6	assess	assess	VERB
framr-4075	16	7	the	the	DET
framr-4075	16	8	dual	dual	ADJ
framr-4075	16	9	(	(	PUNCT
framr-4075	16	10	positive	positive	ADJ
framr-4075	16	11	and	and	CCONJ
framr-4075	16	12	negative	negative	ADJ
framr-4075	16	13	)	)	PUNCT
framr-4075	16	14	impact	impact	NOUN
framr-4075	16	15	of	of	ADP
framr-4075	16	16	fintech	fintech	NOUN
framr-4075	16	17	in	in	ADP
framr-4075	16	18	financial	financial	ADJ
framr-4075	16	19	institutions	institution	NOUN
framr-4075	16	20	.	.	PUNCT
framr-4075	17	1	in	in	ADP
framr-4075	17	2	this	this	DET
framr-4075	17	3	study	study	NOUN
framr-4075	17	4	,	,	PUNCT
framr-4075	17	5	secondary	secondary	ADJ
framr-4075	17	6	data	datum	NOUN
framr-4075	17	7	were	be	AUX
framr-4075	17	8	used	use	VERB
framr-4075	17	9	,	,	PUNCT
framr-4075	17	10	and	and	CCONJ
framr-4075	17	11	they	they	PRON
framr-4075	17	12	were	be	AUX
framr-4075	17	13	collected	collect	VERB
framr-4075	17	14	from	from	ADP
framr-4075	17	15	web	web	NOUN
framr-4075	17	16	of	of	ADP
framr-4075	17	17	science	science	NOUN
framr-4075	17	18	,	,	PUNCT
framr-4075	17	19	scopus	scopus	PROPN
framr-4075	17	20	,	,	PUNCT
framr-4075	17	21	sciencedirect	sciencedirect	NOUN
framr-4075	17	22	,	,	PUNCT
framr-4075	17	23	and	and	CCONJ
framr-4075	17	24	google	google	PROPN
framr-4075	17	25	scholar	scholar	NOUN
framr-4075	17	26	.	.	PUNCT
framr-4075	18	1	in	in	ADP
framr-4075	18	2	this	this	DET
framr-4075	18	3	regard	regard	NOUN
framr-4075	18	4	,	,	PUNCT
framr-4075	18	5	the	the	DET
framr-4075	18	6	key	key	ADJ
framr-4075	18	7	fintech	fintech	NOUN
framr-4075	18	8	technologies	technology	NOUN
framr-4075	18	9	are	be	AUX
framr-4075	18	10	identified	identify	VERB
framr-4075	18	11	,	,	PUNCT
framr-4075	18	12	including	include	VERB
framr-4075	18	13	blockchain	blockchain	NOUN
framr-4075	18	14	and	and	CCONJ
framr-4075	18	15	distributed	distributed	ADJ
framr-4075	18	16	ledger	ledger	NOUN
framr-4075	18	17	technology	technology	NOUN
framr-4075	18	18	,	,	PUNCT
framr-4075	18	19	artificial	artificial	ADJ
framr-4075	18	20	intelligence	intelligence	NOUN
framr-4075	18	21	and	and	CCONJ
framr-4075	18	22	machine	machine	NOUN
framr-4075	18	23	learning	learning	NOUN
framr-4075	18	24	,	,	PUNCT
framr-4075	18	25	robo	robo	NOUN
framr-4075	18	26	-	-	PUNCT
framr-4075	18	27	advisors	advisor	NOUN
framr-4075	18	28	,	,	PUNCT
framr-4075	18	29	mobile	mobile	ADJ
framr-4075	18	30	banking	banking	NOUN
framr-4075	18	31	and	and	CCONJ
framr-4075	18	32	digital	digital	ADJ
framr-4075	18	33	banking	banking	NOUN
framr-4075	18	34	,	,	PUNCT
framr-4075	18	35	regulatory	regulatory	ADJ
framr-4075	18	36	technology	technology	NOUN
framr-4075	18	37	,	,	PUNCT
framr-4075	18	38	and	and	CCONJ
framr-4075	18	39	cloud	cloud	NOUN
framr-4075	18	40	computing	computing	NOUN
framr-4075	18	41	.	.	PUNCT
framr-4075	19	1	while	while	SCONJ
framr-4075	19	2	major	major	ADJ
framr-4075	19	3	financial	financial	ADJ
framr-4075	19	4	crimes	crime	NOUN
framr-4075	19	5	are	be	AUX
framr-4075	19	6	fraud	fraud	NOUN
framr-4075	19	7	,	,	PUNCT
framr-4075	19	8	money	money	NOUN
framr-4075	19	9	laundering	laundering	NOUN
framr-4075	19	10	,	,	PUNCT
framr-4075	19	11	insider	insider	NOUN
framr-4075	19	12	trading	trading	NOUN
framr-4075	19	13	,	,	PUNCT
framr-4075	19	14	bribery	bribery	NOUN
framr-4075	19	15	and	and	CCONJ
framr-4075	19	16	corruption	corruption	NOUN
framr-4075	19	17	,	,	PUNCT
framr-4075	19	18	tax	tax	NOUN
framr-4075	19	19	evasion	evasion	NOUN
framr-4075	19	20	,	,	PUNCT
framr-4075	19	21	and	and	CCONJ
framr-4075	19	22	cybercrime	cybercrime	NOUN
framr-4075	19	23	,	,	PUNCT
framr-4075	19	24	the	the	DET
framr-4075	19	25	study	study	NOUN
framr-4075	19	26	shows	show	VERB
framr-4075	19	27	that	that	SCONJ
framr-4075	19	28	ai	ai	AUX
framr-4075	19	29	algorithms	algorithm	NOUN
framr-4075	19	30	help	help	VERB
framr-4075	19	31	to	to	PART
framr-4075	19	32	identify	identify	VERB
framr-4075	19	33	criminal	criminal	ADJ
framr-4075	19	34	activities	activity	NOUN
framr-4075	19	35	,	,	PUNCT
framr-4075	19	36	including	include	VERB
framr-4075	19	37	credit	credit	NOUN
framr-4075	19	38	card	card	NOUN
framr-4075	19	39	fraud	fraud	NOUN
framr-4075	19	40	,	,	PUNCT
framr-4075	19	41	theft	theft	NOUN
framr-4075	19	42	,	,	PUNCT
framr-4075	19	43	and	and	CCONJ
framr-4075	19	44	account	account	NOUN
framr-4075	19	45	takeovers	takeover	NOUN
framr-4075	19	46	,	,	PUNCT
framr-4075	19	47	and	and	CCONJ
framr-4075	19	48	ensure	ensure	VERB
framr-4075	19	49	data	data	NOUN
framr-4075	19	50	privacy	privacy	NOUN
framr-4075	19	51	,	,	PUNCT
framr-4075	19	52	accountability	accountability	NOUN
framr-4075	19	53	,	,	PUNCT
framr-4075	19	54	and	and	CCONJ
framr-4075	19	55	transparency	transparency	NOUN
framr-4075	19	56	.	.	PUNCT
framr-4075	20	1	blockchain	blockchain	PROPN
framr-4075	20	2	is	be	AUX
framr-4075	20	3	useful	useful	ADJ
framr-4075	20	4	for	for	ADP
framr-4075	20	5	trustless	trustless	NOUN
framr-4075	20	6	transactions	transaction	NOUN
framr-4075	20	7	since	since	SCONJ
framr-4075	20	8	it	it	PRON
framr-4075	20	9	creates	create	VERB
framr-4075	20	10	an	an	DET
framr-4075	20	11	unchangeable	unchangeable	ADJ
framr-4075	20	12	and	and	CCONJ
framr-4075	20	13	secure	secure	ADJ
framr-4075	20	14	,	,	PUNCT
framr-4075	20	15	transparent	transparent	ADJ
framr-4075	20	16	record	record	NOUN
framr-4075	20	17	of	of	ADP
framr-4075	20	18	every	every	DET
framr-4075	20	19	transaction	transaction	NOUN
framr-4075	20	20	.	.	PUNCT
framr-4075	21	1	big	big	ADJ
framr-4075	21	2	data	datum	NOUN
framr-4075	21	3	analytics	analytic	NOUN
framr-4075	21	4	help	help	VERB
framr-4075	21	5	to	to	PART
framr-4075	21	6	acquire	acquire	VERB
framr-4075	21	7	insights	insight	NOUN
framr-4075	21	8	into	into	ADP
framr-4075	21	9	customer	customer	NOUN
framr-4075	21	10	behaviour	behaviour	NOUN
framr-4075	21	11	and	and	CCONJ
framr-4075	21	12	preferences	preference	NOUN
framr-4075	21	13	.	.	PUNCT
framr-4075	22	1	regtech	regtech	NOUN
framr-4075	22	2	tracks	track	VERB
framr-4075	22	3	online	online	ADJ
framr-4075	22	4	transactions	transaction	NOUN
framr-4075	22	5	in	in	ADP
framr-4075	22	6	real	real	ADJ
framr-4075	22	7	time	time	NOUN
framr-4075	22	8	to	to	PART
framr-4075	22	9	spot	spot	VERB
framr-4075	22	10	anomalies	anomaly	NOUN
framr-4075	22	11	in	in	ADP
framr-4075	22	12	the	the	DET
framr-4075	22	13	realm	realm	NOUN
framr-4075	22	14	of	of	ADP
framr-4075	22	15	digital	digital	ADJ
framr-4075	22	16	payments	payment	NOUN
framr-4075	22	17	.	.	PUNCT
framr-4075	23	1	on	on	ADP
framr-4075	23	2	the	the	DET
framr-4075	23	3	other	other	ADJ
framr-4075	23	4	hand	hand	NOUN
framr-4075	23	5	,	,	PUNCT
framr-4075	23	6	fintech	fintech	NOUN
framr-4075	23	7	is	be	AUX
framr-4075	23	8	one	one	NUM
framr-4075	23	9	of	of	ADP
framr-4075	23	10	the	the	DET
framr-4075	23	11	most	most	ADV
framr-4075	23	12	effective	effective	ADJ
framr-4075	23	13	tools	tool	NOUN
framr-4075	23	14	to	to	PART
framr-4075	23	15	facilitate	facilitate	VERB
framr-4075	23	16	cybercrime	cybercrime	NOUN
framr-4075	23	17	.	.	PUNCT
framr-4075	24	1	moreover	moreover	ADV
framr-4075	24	2	,	,	PUNCT
framr-4075	24	3	the	the	DET
framr-4075	24	4	study	study	NOUN
framr-4075	24	5	shows	show	VERB
framr-4075	24	6	the	the	DET
framr-4075	24	7	framework	framework	NOUN
framr-4075	24	8	fintech	fintech	NOUN
framr-4075	24	9	has	have	VERB
framr-4075	24	10	for	for	ADP
framr-4075	24	11	mitigating	mitigate	VERB
framr-4075	24	12	wrongdoing	wrongdoing	NOUN
framr-4075	24	13	,	,	PUNCT
framr-4075	24	14	regulatory	regulatory	ADJ
framr-4075	24	15	shortages	shortage	NOUN
framr-4075	24	16	,	,	PUNCT
framr-4075	24	17	and	and	CCONJ
framr-4075	24	18	customer	customer	NOUN
framr-4075	24	19	threats	threat	NOUN
framr-4075	24	20	.	.	PUNCT
framr-4075	25	1	the	the	DET
framr-4075	25	2	article	article	NOUN
framr-4075	25	3	provides	provide	VERB
framr-4075	25	4	several	several	ADJ
framr-4075	25	5	implications	implication	NOUN
framr-4075	25	6	for	for	ADP
framr-4075	25	7	several	several	ADJ
framr-4075	25	8	stakeholders	stakeholder	NOUN
framr-4075	25	9	in	in	ADP
framr-4075	25	10	the	the	DET
framr-4075	25	11	financial	financial	ADJ
framr-4075	25	12	sector	sector	NOUN
framr-4075	25	13	.	.	PUNCT
framr-4075	26	1	contribution	contribution	NOUN
framr-4075	26	2	/	/	SYM
framr-4075	26	3	originality	originality	NOUN
framr-4075	26	4	:	:	PUNCT
framr-4075	26	5	this	this	DET
framr-4075	26	6	study	study	NOUN
framr-4075	26	7	has	have	VERB
framr-4075	26	8	significant	significant	ADJ
framr-4075	26	9	contributions	contribution	NOUN
framr-4075	26	10	for	for	ADP
framr-4075	26	11	the	the	DET
framr-4075	26	12	financial	financial	ADJ
framr-4075	26	13	institutions	institution	NOUN
framr-4075	26	14	.	.	PUNCT
framr-4075	27	1	financial	financial	ADJ
framr-4075	27	2	technologies	technology	NOUN
framr-4075	27	3	are	be	AUX
framr-4075	27	4	basically	basically	ADV
framr-4075	27	5	invented	invent	VERB
framr-4075	27	6	to	to	PART
framr-4075	27	7	work	work	VERB
framr-4075	27	8	for	for	ADP
framr-4075	27	9	the	the	DET
framr-4075	27	10	financial	financial	ADJ
framr-4075	27	11	development	development	NOUN
framr-4075	27	12	all	all	ADV
framr-4075	27	13	over	over	ADP
framr-4075	27	14	the	the	DET
framr-4075	27	15	world	world	NOUN
framr-4075	27	16	.	.	PUNCT
framr-4075	28	1	financial	financial	ADJ
framr-4075	28	2	institutions	institution	NOUN
framr-4075	28	3	should	should	AUX
framr-4075	28	4	invest	invest	VERB
framr-4075	28	5	in	in	ADP
framr-4075	28	6	a	a	DET
framr-4075	28	7	cybersecurity	cybersecurity	NOUN
framr-4075	28	8	system	system	NOUN
framr-4075	28	9	to	to	PART
framr-4075	28	10	protect	protect	VERB
framr-4075	28	11	all	all	DET
framr-4075	28	12	information	information	NOUN
framr-4075	28	13	from	from	ADP
framr-4075	28	14	cyberattacks	cyberattack	NOUN
framr-4075	28	15	.	.	PUNCT
framr-4075	29	1	the	the	DET
framr-4075	29	2	government	government	NOUN
framr-4075	29	3	must	must	AUX
framr-4075	29	4	ensure	ensure	VERB
framr-4075	29	5	the	the	DET
framr-4075	29	6	security	security	NOUN
framr-4075	29	7	of	of	ADP
framr-4075	29	8	the	the	DET
framr-4075	29	9	financial	financial	ADJ
framr-4075	29	10	institutions	institution	NOUN
framr-4075	29	11	.	.	PUNCT
framr-4075	30	1	1	1	X
framr-4075	30	2	.	.	X
framr-4075	30	3	introduction	introduction	NOUN
framr-4075	30	4	the	the	DET
framr-4075	30	5	financial	financial	ADJ
framr-4075	30	6	crisis	crisis	NOUN
framr-4075	30	7	in	in	ADP
framr-4075	30	8	2008	2008	NUM
framr-4075	30	9	had	have	VERB
framr-4075	30	10	a	a	DET
framr-4075	30	11	significant	significant	ADJ
framr-4075	30	12	influence	influence	NOUN
framr-4075	30	13	on	on	ADP
framr-4075	30	14	the	the	DET
framr-4075	30	15	emergence	emergence	NOUN
framr-4075	30	16	of	of	ADP
framr-4075	30	17	financial	financial	ADJ
framr-4075	30	18	technology	technology	NOUN
framr-4075	30	19	(	(	PUNCT
framr-4075	30	20	fintech	fintech	NOUN
framr-4075	30	21	)	)	PUNCT
framr-4075	30	22	,	,	PUNCT
framr-4075	30	23	which	which	PRON
framr-4075	30	24	was	be	AUX
framr-4075	30	25	positively	positively	ADV
framr-4075	30	26	affected	affect	VERB
framr-4075	30	27	by	by	ADP
framr-4075	30	28	the	the	DET
framr-4075	30	29	emergence	emergence	NOUN
framr-4075	30	30	of	of	ADP
framr-4075	30	31	cryptocurrencies	cryptocurrencie	NOUN
framr-4075	30	32	like	like	ADP
framr-4075	30	33	bitcoin	bitcoin	NOUN
framr-4075	30	34	in	in	ADP
framr-4075	30	35	2009	2009	NUM
framr-4075	30	36	.	.	PUNCT
framr-4075	31	1	the	the	DET
framr-4075	31	2	objective	objective	NOUN
framr-4075	31	3	behind	behind	ADP
framr-4075	31	4	the	the	DET
framr-4075	31	5	implementation	implementation	NOUN
framr-4075	31	6	of	of	ADP
framr-4075	31	7	fintech	fintech	NOUN
framr-4075	31	8	is	be	AUX
framr-4075	31	9	to	to	PART
framr-4075	31	10	improve	improve	VERB
framr-4075	31	11	the	the	DET
framr-4075	31	12	financial	financial	ADJ
framr-4075	31	13	performance	performance	NOUN
framr-4075	31	14	of	of	ADP
framr-4075	31	15	the	the	DET
framr-4075	31	16	organisation	organisation	NOUN
framr-4075	31	17	through	through	ADP
framr-4075	31	18	digitalisation	digitalisation	NOUN
framr-4075	31	19	(	(	PUNCT
framr-4075	31	20	schueffel	schueffel	NOUN
framr-4075	31	21	,	,	PUNCT
framr-4075	31	22	2016	2016	NUM
framr-4075	31	23	)	)	PUNCT
framr-4075	31	24	.	.	PUNCT
framr-4075	32	1	the	the	DET
framr-4075	32	2	growth	growth	NOUN
framr-4075	32	3	of	of	ADP
framr-4075	32	4	the	the	DET
framr-4075	32	5	industry	industry	NOUN
framr-4075	32	6	is	be	AUX
framr-4075	32	7	identified	identify	VERB
framr-4075	32	8	by	by	ADP
framr-4075	32	9	the	the	DET
framr-4075	32	10	value	value	NOUN
framr-4075	32	11	of	of	ADP
framr-4075	32	12	investment	investment	NOUN
framr-4075	32	13	,	,	PUNCT
framr-4075	32	14	which	which	PRON
framr-4075	32	15	is	be	AUX
framr-4075	32	16	enhanced	enhance	VERB
framr-4075	32	17	by	by	ADP
framr-4075	32	18	75	75	NUM
framr-4075	32	19	%	%	NOUN
framr-4075	32	20	in	in	ADP
framr-4075	32	21	2015	2015	NUM
framr-4075	32	22	compared	compare	VERB
framr-4075	32	23	to	to	ADP
framr-4075	32	24	the	the	DET
framr-4075	32	25	previous	previous	ADJ
framr-4075	32	26	year	year	NOUN
framr-4075	32	27	,	,	PUNCT
framr-4075	32	28	and	and	CCONJ
framr-4075	32	29	furthermore	furthermore	ADV
framr-4075	32	30	,	,	PUNCT
framr-4075	32	31	since	since	SCONJ
framr-4075	32	32	2010	2010	NUM
framr-4075	32	33	,	,	PUNCT
framr-4075	32	34	approximately	approximately	ADV
framr-4075	32	35	usd	usd	NOUN
framr-4075	32	36	50	50	NUM
framr-4075	32	37	billion	billion	NUM
framr-4075	32	38	has	have	AUX
framr-4075	32	39	been	be	AUX
framr-4075	32	40	invested	invest	VERB
framr-4075	32	41	https://www.doi.org/10.18488/89.v11i1.4075	https://www.doi.org/10.18488/89.v11i1.4075	PROPN
framr-4075	32	42	https://orcid.org/0009-0009-2365-4959	https://orcid.org/0009-0009-2365-4959	VERB
framr-4075	32	43	https://orcid.org/0009-0001-9663-5427	https://orcid.org/0009-0001-9663-5427	PRON
framr-4075	32	44	https://orcid.org/0009-0004-7267-9515	https://orcid.org/0009-0004-7267-9515	NOUN
framr-4075	33	1	https://orcid.org/0009-0009-5180-0749	https://orcid.org/0009-0009-5180-0749	NOUN
framr-4075	33	2	https://orcid.org/0009-0005-7001-1770	https://orcid.org/0009-0005-7001-1770	NOUN
framr-4075	33	3	mailto:tipon.tcg.edu@gmail.com	mailto:tipon.tcg.edu@gmail.com	X
framr-4075	34	1	mailto:naherk@pu.edu.bd	mailto:naherk@pu.edu.bd	ADJ
framr-4075	34	2	mailto:mdrakibmia087@gmail.com	mailto:mdrakibmia087@gmail.com	X
framr-4075	34	3	mailto:srrimachy@gmail.com	mailto:srrimachy@gmail.com	X
framr-4075	34	4	mailto:naimmgtdu75@gmail.com	mailto:naimmgtdu75@gmail.com	X
framr-4075	34	5	financial	financial	ADJ
framr-4075	34	6	risk	risk	NOUN
framr-4075	34	7	and	and	CCONJ
framr-4075	34	8	management	management	NOUN
framr-4075	34	9	reviews	review	NOUN
framr-4075	34	10	,	,	PUNCT
framr-4075	34	11	2025	2025	NUM
framr-4075	34	12	,	,	PUNCT
framr-4075	34	13	11(1	11(1	NUM
framr-4075	34	14	):	):	PUNCT
framr-4075	34	15	1	1	NUM
framr-4075	34	16	-	-	SYM
framr-4075	34	17	36	36	NUM
framr-4075	34	18	2	2	NUM
framr-4075	34	19	©	©	ADP
framr-4075	34	20	2025	2025	NUM
framr-4075	34	21	conscientia	conscientia	PROPN
framr-4075	34	22	beam	beam	PROPN
framr-4075	34	23	.	.	PUNCT
framr-4075	35	1	all	all	DET
framr-4075	35	2	rights	right	NOUN
framr-4075	35	3	reserved	reserve	VERB
framr-4075	35	4	.	.	PUNCT
framr-4075	36	1	(	(	PUNCT
framr-4075	36	2	skan	skan	PROPN
framr-4075	36	3	,	,	PUNCT
framr-4075	36	4	dickerson	dickerson	PROPN
framr-4075	36	5	,	,	PUNCT
framr-4075	36	6	&	&	CCONJ
framr-4075	36	7	gagliardi	gagliardi	PROPN
framr-4075	36	8	,	,	PUNCT
framr-4075	36	9	2016	2016	NUM
framr-4075	36	10	)	)	PUNCT
framr-4075	36	11	.	.	PUNCT
framr-4075	37	1	fintech	fintech	NOUN
framr-4075	37	2	provides	provide	VERB
framr-4075	37	3	financial	financial	ADJ
framr-4075	37	4	services	service	NOUN
framr-4075	37	5	more	more	ADV
framr-4075	37	6	efficiently	efficiently	ADV
framr-4075	37	7	than	than	ADP
framr-4075	37	8	traditional	traditional	ADJ
framr-4075	37	9	banking	banking	NOUN
framr-4075	37	10	services	service	NOUN
framr-4075	37	11	by	by	ADP
framr-4075	37	12	focusing	focus	VERB
framr-4075	37	13	on	on	ADP
framr-4075	37	14	big	big	ADJ
framr-4075	37	15	data	datum	NOUN
framr-4075	37	16	,	,	PUNCT
framr-4075	37	17	efficient	efficient	ADJ
framr-4075	37	18	risk	risk	NOUN
framr-4075	37	19	and	and	CCONJ
framr-4075	37	20	maturity	maturity	NOUN
framr-4075	37	21	transformation	transformation	NOUN
framr-4075	37	22	,	,	PUNCT
framr-4075	37	23	decentralised	decentralise	VERB
framr-4075	37	24	access	access	NOUN
framr-4075	37	25	to	to	ADP
framr-4075	37	26	data	datum	NOUN
framr-4075	37	27	,	,	PUNCT
framr-4075	37	28	etc	etc	X
framr-4075	37	29	.	.	X
framr-4075	37	30	(	(	PUNCT
framr-4075	37	31	navaretti	navaretti	PROPN
framr-4075	37	32	,	,	PUNCT
framr-4075	37	33	calzolari	calzolari	PROPN
framr-4075	37	34	,	,	PUNCT
framr-4075	37	35	mansilla	mansilla	NOUN
framr-4075	37	36	-	-	PUNCT
framr-4075	37	37	fernandez	fernandez	PROPN
framr-4075	37	38	,	,	PUNCT
framr-4075	37	39	&	&	CCONJ
framr-4075	37	40	pozzolo	pozzolo	PROPN
framr-4075	37	41	,	,	PUNCT
framr-4075	37	42	2018	2018	NUM
framr-4075	37	43	)	)	PUNCT
framr-4075	37	44	.	.	PUNCT
framr-4075	38	1	however	however	ADV
framr-4075	38	2	,	,	PUNCT
framr-4075	38	3	the	the	DET
framr-4075	38	4	emergence	emergence	NOUN
framr-4075	38	5	of	of	ADP
framr-4075	38	6	fintech	fintech	NOUN
framr-4075	38	7	magnifies	magnify	VERB
framr-4075	38	8	the	the	DET
framr-4075	38	9	competition	competition	NOUN
framr-4075	38	10	of	of	ADP
framr-4075	38	11	traditional	traditional	ADJ
framr-4075	38	12	banking	banking	NOUN
framr-4075	38	13	as	as	ADP
framr-4075	38	14	new	new	ADJ
framr-4075	38	15	competitors	competitor	NOUN
framr-4075	38	16	(	(	PUNCT
framr-4075	38	17	such	such	ADJ
framr-4075	38	18	as	as	ADP
framr-4075	38	19	startups	startup	NOUN
framr-4075	38	20	,	,	PUNCT
framr-4075	38	21	neobanks	neobank	NOUN
framr-4075	38	22	,	,	PUNCT
framr-4075	38	23	etc	etc	X
framr-4075	38	24	.	.	X
framr-4075	38	25	)	)	PUNCT
framr-4075	38	26	are	be	AUX
framr-4075	38	27	entering	enter	VERB
framr-4075	38	28	the	the	DET
framr-4075	38	29	financial	financial	ADJ
framr-4075	38	30	industry	industry	NOUN
framr-4075	38	31	,	,	PUNCT
framr-4075	38	32	which	which	PRON
framr-4075	38	33	enhances	enhance	VERB
framr-4075	38	34	the	the	DET
framr-4075	38	35	quality	quality	NOUN
framr-4075	38	36	of	of	ADP
framr-4075	38	37	services	service	NOUN
framr-4075	38	38	like	like	ADP
framr-4075	38	39	remittance	remittance	NOUN
framr-4075	38	40	,	,	PUNCT
framr-4075	38	41	payments	payment	NOUN
framr-4075	38	42	,	,	PUNCT
framr-4075	38	43	crowdfunding	crowdfunding	NOUN
framr-4075	38	44	,	,	PUNCT
framr-4075	38	45	and	and	CCONJ
framr-4075	38	46	so	so	ADV
framr-4075	38	47	on	on	ADP
framr-4075	38	48	(	(	PUNCT
framr-4075	38	49	murinde	murinde	ADJ
framr-4075	38	50	,	,	PUNCT
framr-4075	38	51	rizopoulos	rizopoulo	NOUN
framr-4075	38	52	,	,	PUNCT
framr-4075	38	53	&	&	CCONJ
framr-4075	38	54	zachariadis	zachariadi	NOUN
framr-4075	38	55	,	,	PUNCT
framr-4075	38	56	2022	2022	NUM
framr-4075	38	57	)	)	PUNCT
framr-4075	38	58	.	.	PUNCT
framr-4075	39	1	the	the	DET
framr-4075	39	2	growth	growth	NOUN
framr-4075	39	3	of	of	ADP
framr-4075	39	4	financial	financial	ADJ
framr-4075	39	5	crime	crime	NOUN
framr-4075	39	6	is	be	AUX
framr-4075	39	7	increasing	increase	VERB
framr-4075	39	8	dramatically	dramatically	ADV
framr-4075	39	9	.	.	PUNCT
framr-4075	40	1	numerous	numerous	ADJ
framr-4075	40	2	notable	notable	ADJ
framr-4075	40	3	regulations	regulation	NOUN
framr-4075	40	4	are	be	AUX
framr-4075	40	5	introduced	introduce	VERB
framr-4075	40	6	to	to	PART
framr-4075	40	7	minimise	minimise	VERB
framr-4075	40	8	financial	financial	ADJ
framr-4075	40	9	crime	crime	NOUN
framr-4075	40	10	,	,	PUNCT
framr-4075	40	11	including	include	VERB
framr-4075	40	12	the	the	DET
framr-4075	40	13	foreign	foreign	ADJ
framr-4075	40	14	corrupt	corrupt	ADJ
framr-4075	40	15	practices	practice	NOUN
framr-4075	40	16	act	act	PROPN
framr-4075	40	17	,	,	PUNCT
framr-4075	40	18	1977	1977	NUM
framr-4075	40	19	,	,	PUNCT
framr-4075	40	20	by	by	ADP
framr-4075	40	21	the	the	DET
framr-4075	40	22	u.s	u.s	PROPN
framr-4075	40	23	.	.	PROPN
framr-4075	40	24	and	and	CCONJ
framr-4075	40	25	the	the	DET
framr-4075	40	26	bribery	bribery	NOUN
framr-4075	40	27	act	act	NOUN
framr-4075	40	28	,	,	PUNCT
framr-4075	40	29	2010	2010	NUM
framr-4075	40	30	.	.	PUNCT
framr-4075	41	1	according	accord	VERB
framr-4075	41	2	to	to	ADP
framr-4075	41	3	rybalchenko	rybalchenko	PROPN
framr-4075	41	4	,	,	PUNCT
framr-4075	41	5	ryzhkov	ryzhkov	NOUN
framr-4075	41	6	,	,	PUNCT
framr-4075	41	7	and	and	CCONJ
framr-4075	41	8	ohrimenco	ohrimenco	NOUN
framr-4075	41	9	(	(	PUNCT
framr-4075	41	10	2021	2021	NUM
framr-4075	41	11	)	)	PUNCT
framr-4075	41	12	the	the	DET
framr-4075	41	13	main	main	ADJ
framr-4075	41	14	motive	motive	NOUN
framr-4075	41	15	behind	behind	ADP
framr-4075	41	16	the	the	DET
framr-4075	41	17	financial	financial	ADJ
framr-4075	41	18	or	or	CCONJ
framr-4075	41	19	economic	economic	ADJ
framr-4075	41	20	crime	crime	NOUN
framr-4075	41	21	is	be	AUX
framr-4075	41	22	economic	economic	ADJ
framr-4075	41	23	gain	gain	NOUN
framr-4075	41	24	through	through	ADP
framr-4075	41	25	money	money	NOUN
framr-4075	41	26	laundering	laundering	NOUN
framr-4075	41	27	,	,	PUNCT
framr-4075	41	28	tax	tax	NOUN
framr-4075	41	29	evasion	evasion	NOUN
framr-4075	41	30	,	,	PUNCT
framr-4075	41	31	investment	investment	NOUN
framr-4075	41	32	fraud	fraud	NOUN
framr-4075	41	33	,	,	PUNCT
framr-4075	41	34	etc	etc	X
framr-4075	41	35	.	.	X
framr-4075	41	36	in	in	ADP
framr-4075	41	37	the	the	DET
framr-4075	41	38	technological	technological	ADJ
framr-4075	41	39	era	era	NOUN
framr-4075	41	40	,	,	PUNCT
framr-4075	41	41	crime	crime	NOUN
framr-4075	41	42	increases	increase	VERB
framr-4075	41	43	with	with	ADP
framr-4075	41	44	the	the	DET
framr-4075	41	45	usage	usage	NOUN
framr-4075	41	46	of	of	ADP
framr-4075	41	47	hacking	hack	VERB
framr-4075	41	48	tools	tool	NOUN
framr-4075	41	49	and	and	CCONJ
framr-4075	41	50	engineering	engineering	NOUN
framr-4075	41	51	techniques	technique	NOUN
framr-4075	41	52	(	(	PUNCT
framr-4075	41	53	hasham	hasham	PROPN
framr-4075	41	54	,	,	PUNCT
framr-4075	41	55	joshi	joshi	PROPN
framr-4075	41	56	,	,	PUNCT
framr-4075	41	57	&	&	CCONJ
framr-4075	41	58	mikkelsen	mikkelsen	PROPN
framr-4075	41	59	,	,	PUNCT
framr-4075	41	60	2019	2019	NUM
framr-4075	41	61	)	)	PUNCT
framr-4075	41	62	.	.	PUNCT
framr-4075	42	1	hence	hence	ADV
framr-4075	42	2	,	,	PUNCT
framr-4075	42	3	the	the	DET
framr-4075	42	4	term	term	NOUN
framr-4075	42	5	“	"	PUNCT
framr-4075	42	6	financial	financial	ADJ
framr-4075	42	7	cybercrime	cybercrime	NOUN
framr-4075	42	8	”	"	PUNCT
framr-4075	42	9	has	have	AUX
framr-4075	42	10	been	be	AUX
framr-4075	42	11	introduced	introduce	VERB
framr-4075	42	12	in	in	ADP
framr-4075	42	13	different	different	ADJ
framr-4075	42	14	studies	study	NOUN
framr-4075	42	15	by	by	ADP
framr-4075	42	16	researchers	researcher	NOUN
framr-4075	42	17	,	,	PUNCT
framr-4075	42	18	which	which	PRON
framr-4075	42	19	consists	consist	VERB
framr-4075	42	20	of	of	ADP
framr-4075	42	21	illegal	illegal	ADJ
framr-4075	42	22	economic	economic	ADJ
framr-4075	42	23	activities	activity	NOUN
framr-4075	42	24	for	for	ADP
framr-4075	42	25	obtaining	obtain	VERB
framr-4075	42	26	financial	financial	ADJ
framr-4075	42	27	gain	gain	NOUN
framr-4075	42	28	in	in	ADP
framr-4075	42	29	cyberspace	cyberspace	NOUN
framr-4075	42	30	(	(	PUNCT
framr-4075	42	31	nicholls	nicholls	PROPN
framr-4075	42	32	,	,	PUNCT
framr-4075	42	33	kuppa	kuppa	PROPN
framr-4075	42	34	,	,	PUNCT
framr-4075	42	35	&	&	CCONJ
framr-4075	42	36	le	le	PROPN
framr-4075	42	37	-	-	PUNCT
framr-4075	42	38	khac	khac	NOUN
framr-4075	42	39	,	,	PUNCT
framr-4075	42	40	2021	2021	NUM
framr-4075	42	41	)	)	PUNCT
framr-4075	42	42	.	.	PUNCT
framr-4075	43	1	in	in	ADP
framr-4075	43	2	addition	addition	NOUN
framr-4075	43	3	,	,	PUNCT
framr-4075	43	4	the	the	DET
framr-4075	43	5	advertising	advertising	NOUN
framr-4075	43	6	standard	standard	NOUN
framr-4075	43	7	authority	authority	NOUN
framr-4075	43	8	and	and	CCONJ
framr-4075	43	9	committee	committee	NOUN
framr-4075	43	10	of	of	ADP
framr-4075	43	11	advertising	advertising	NOUN
framr-4075	43	12	reveal	reveal	VERB
framr-4075	43	13	a	a	DET
framr-4075	43	14	190	190	NUM
framr-4075	43	15	%	%	NOUN
framr-4075	43	16	increase	increase	NOUN
framr-4075	43	17	in	in	ADP
framr-4075	43	18	losses	loss	NOUN
framr-4075	43	19	from	from	ADP
framr-4075	43	20	cryptocurrency	cryptocurrency	NOUN
framr-4075	43	21	scams	scam	NOUN
framr-4075	43	22	(	(	PUNCT
framr-4075	43	23	trozze	trozze	NOUN
framr-4075	43	24	et	et	PROPN
framr-4075	43	25	al	al	PROPN
framr-4075	43	26	.	.	PROPN
framr-4075	43	27	,	,	PUNCT
framr-4075	43	28	2022	2022	NUM
framr-4075	43	29	)	)	PUNCT
framr-4075	43	30	.	.	PUNCT
framr-4075	44	1	the	the	DET
framr-4075	44	2	reason	reason	NOUN
framr-4075	44	3	behind	behind	ADP
framr-4075	44	4	the	the	DET
framr-4075	44	5	global	global	ADJ
framr-4075	44	6	financial	financial	ADJ
framr-4075	44	7	crisis	crisis	NOUN
framr-4075	44	8	is	be	AUX
framr-4075	44	9	the	the	DET
framr-4075	44	10	weakness	weakness	NOUN
framr-4075	44	11	of	of	ADP
framr-4075	44	12	the	the	DET
framr-4075	44	13	corporate	corporate	ADJ
framr-4075	44	14	governance	governance	NOUN
framr-4075	44	15	architecture	architecture	NOUN
framr-4075	44	16	of	of	ADP
framr-4075	44	17	the	the	DET
framr-4075	44	18	fintech	fintech	NOUN
framr-4075	44	19	firms	firm	NOUN
framr-4075	44	20	,	,	PUNCT
framr-4075	44	21	and	and	CCONJ
framr-4075	44	22	therefore	therefore	ADV
framr-4075	44	23	,	,	PUNCT
framr-4075	44	24	a	a	DET
framr-4075	44	25	new	new	ADJ
framr-4075	44	26	infrastructural	infrastructural	ADJ
framr-4075	44	27	corporate	corporate	ADJ
framr-4075	44	28	governance	governance	NOUN
framr-4075	44	29	that	that	PRON
framr-4075	44	30	meets	meet	VERB
framr-4075	44	31	the	the	DET
framr-4075	44	32	fintech	fintech	NOUN
framr-4075	44	33	phenomenon	phenomenon	NOUN
framr-4075	44	34	will	will	AUX
framr-4075	44	35	reduce	reduce	VERB
framr-4075	44	36	the	the	DET
framr-4075	44	37	global	global	ADJ
framr-4075	44	38	financial	financial	ADJ
framr-4075	44	39	crisis	crisis	NOUN
framr-4075	44	40	by	by	ADP
framr-4075	44	41	developing	develop	VERB
framr-4075	44	42	an	an	DET
framr-4075	44	43	effective	effective	ADJ
framr-4075	44	44	global	global	ADJ
framr-4075	44	45	financial	financial	ADJ
framr-4075	44	46	system	system	NOUN
framr-4075	44	47	(	(	PUNCT
framr-4075	44	48	alade	alade	NOUN
framr-4075	44	49	,	,	PUNCT
framr-4075	44	50	2023	2023	NUM
framr-4075	44	51	)	)	PUNCT
framr-4075	44	52	.	.	PUNCT
framr-4075	45	1	in	in	ADP
framr-4075	45	2	the	the	DET
framr-4075	45	3	financial	financial	ADJ
framr-4075	45	4	field	field	NOUN
framr-4075	45	5	,	,	PUNCT
framr-4075	45	6	fintech	fintech	NOUN
framr-4075	45	7	is	be	AUX
framr-4075	45	8	recognised	recognise	VERB
framr-4075	45	9	as	as	ADP
framr-4075	45	10	the	the	DET
framr-4075	45	11	most	most	ADV
framr-4075	45	12	advanced	advanced	ADJ
framr-4075	45	13	innovation	innovation	NOUN
framr-4075	45	14	for	for	ADP
framr-4075	45	15	enhancing	enhance	VERB
framr-4075	45	16	quality	quality	NOUN
framr-4075	45	17	and	and	CCONJ
framr-4075	45	18	minimising	minimise	VERB
framr-4075	45	19	cost	cost	NOUN
framr-4075	45	20	in	in	ADP
framr-4075	45	21	addition	addition	NOUN
framr-4075	45	22	to	to	ADP
framr-4075	45	23	widening	widen	VERB
framr-4075	45	24	an	an	DET
framr-4075	45	25	effective	effective	ADJ
framr-4075	45	26	financial	financial	ADJ
framr-4075	45	27	landscape	landscape	NOUN
framr-4075	45	28	(	(	PUNCT
framr-4075	45	29	the	the	DET
framr-4075	45	30	fintech	fintech	NOUN
framr-4075	45	31	revolution	revolution	NOUN
framr-4075	45	32	,	,	PUNCT
framr-4075	45	33	2015	2015	NUM
framr-4075	45	34	)	)	PUNCT
framr-4075	45	35	.	.	PUNCT
framr-4075	46	1	though	though	SCONJ
framr-4075	46	2	numerous	numerous	ADJ
framr-4075	46	3	studies	study	NOUN
framr-4075	46	4	have	have	AUX
framr-4075	46	5	been	be	AUX
framr-4075	46	6	conducted	conduct	VERB
framr-4075	46	7	,	,	PUNCT
framr-4075	46	8	the	the	DET
framr-4075	46	9	motivations	motivation	NOUN
framr-4075	46	10	behind	behind	ADP
framr-4075	46	11	the	the	DET
framr-4075	46	12	study	study	NOUN
framr-4075	46	13	are	be	AUX
framr-4075	46	14	identified	identify	VERB
framr-4075	46	15	from	from	ADP
framr-4075	46	16	theoretical	theoretical	ADJ
framr-4075	46	17	and	and	CCONJ
framr-4075	46	18	empirical	empirical	ADJ
framr-4075	46	19	study	study	NOUN
framr-4075	46	20	points	point	NOUN
framr-4075	46	21	of	of	ADP
framr-4075	46	22	view	view	NOUN
framr-4075	46	23	.	.	PUNCT
framr-4075	47	1	firstly	firstly	ADV
framr-4075	47	2	,	,	PUNCT
framr-4075	47	3	the	the	DET
framr-4075	47	4	phenomenal	phenomenal	ADJ
framr-4075	47	5	growth	growth	NOUN
framr-4075	47	6	of	of	ADP
framr-4075	47	7	fintech	fintech	NOUN
framr-4075	47	8	in	in	ADP
framr-4075	47	9	the	the	DET
framr-4075	47	10	sharing	sharing	NOUN
framr-4075	47	11	economy	economy	NOUN
framr-4075	47	12	has	have	VERB
framr-4075	47	13	a	a	DET
framr-4075	47	14	significant	significant	ADJ
framr-4075	47	15	impact	impact	NOUN
framr-4075	47	16	on	on	ADP
framr-4075	47	17	the	the	DET
framr-4075	47	18	global	global	ADJ
framr-4075	47	19	financial	financial	ADJ
framr-4075	47	20	industry	industry	NOUN
framr-4075	47	21	,	,	PUNCT
framr-4075	47	22	which	which	PRON
framr-4075	47	23	is	be	AUX
framr-4075	47	24	a	a	DET
framr-4075	47	25	competitive	competitive	ADJ
framr-4075	47	26	disadvantage	disadvantage	NOUN
framr-4075	47	27	for	for	ADP
framr-4075	47	28	more	more	ADJ
framr-4075	47	29	than	than	ADP
framr-4075	47	30	83	83	NUM
framr-4075	47	31	%	%	NOUN
framr-4075	47	32	of	of	ADP
framr-4075	47	33	firms	firm	NOUN
framr-4075	47	34	caused	cause	VERB
framr-4075	47	35	by	by	ADP
framr-4075	47	36	the	the	DET
framr-4075	47	37	emergence	emergence	NOUN
framr-4075	47	38	of	of	ADP
framr-4075	47	39	fintech	fintech	NOUN
framr-4075	47	40	startups	startup	NOUN
framr-4075	47	41	,	,	PUNCT
framr-4075	47	42	especially	especially	ADV
framr-4075	47	43	in	in	ADP
framr-4075	47	44	china	china	PROPN
framr-4075	47	45	and	and	CCONJ
framr-4075	47	46	the	the	DET
framr-4075	47	47	u.s	u.s	PROPN
framr-4075	47	48	.	.	PROPN
framr-4075	47	49	(	(	PUNCT
framr-4075	47	50	kpmg	kpmg	PROPN
framr-4075	47	51	,	,	PUNCT
framr-4075	47	52	2015	2015	NUM
framr-4075	47	53	;	;	PUNCT
framr-4075	47	54	pwc	pwc	PROPN
framr-4075	47	55	,	,	PUNCT
framr-4075	47	56	2016	2016	NUM
framr-4075	47	57	)	)	PUNCT
framr-4075	47	58	.	.	PUNCT
framr-4075	48	1	in	in	ADP
framr-4075	48	2	addition	addition	NOUN
framr-4075	48	3	,	,	PUNCT
framr-4075	48	4	according	accord	VERB
framr-4075	48	5	to	to	ADP
framr-4075	48	6	holland	holland	PROPN
framr-4075	48	7	fintech	fintech	PROPN
framr-4075	48	8	(	(	PUNCT
framr-4075	48	9	2015	2015	NUM
framr-4075	48	10	)	)	PUNCT
framr-4075	48	11	a	a	DET
framr-4075	48	12	revenue	revenue	NOUN
framr-4075	48	13	transaction	transaction	NOUN
framr-4075	48	14	(	(	PUNCT
framr-4075	48	15	approximately	approximately	ADV
framr-4075	48	16	$	$	SYM
framr-4075	48	17	660	660	NUM
framr-4075	48	18	billion	billion	NUM
framr-4075	48	19	)	)	PUNCT
framr-4075	48	20	occurs	occur	VERB
framr-4075	48	21	from	from	ADP
framr-4075	48	22	the	the	DET
framr-4075	48	23	traditional	traditional	ADJ
framr-4075	48	24	financial	financial	ADJ
framr-4075	48	25	institute	institute	NOUN
framr-4075	48	26	to	to	ADP
framr-4075	48	27	these	these	DET
framr-4075	48	28	startups	startup	NOUN
framr-4075	48	29	,	,	PUNCT
framr-4075	48	30	and	and	CCONJ
framr-4075	48	31	hence	hence	ADV
framr-4075	48	32	,	,	PUNCT
framr-4075	48	33	to	to	PART
framr-4075	48	34	ensure	ensure	VERB
framr-4075	48	35	competitive	competitive	ADJ
framr-4075	48	36	advantages	advantage	NOUN
framr-4075	48	37	,	,	PUNCT
framr-4075	48	38	firms	firm	NOUN
framr-4075	48	39	are	be	AUX
framr-4075	48	40	required	require	VERB
framr-4075	48	41	to	to	PART
framr-4075	48	42	invest	invest	VERB
framr-4075	48	43	in	in	ADP
framr-4075	48	44	fintech	fintech	NOUN
framr-4075	48	45	.	.	PUNCT
framr-4075	49	1	the	the	DET
framr-4075	49	2	operations	operation	NOUN
framr-4075	49	3	of	of	ADP
framr-4075	49	4	fintech	fintech	NOUN
framr-4075	49	5	are	be	AUX
framr-4075	49	6	increasing	increase	VERB
framr-4075	49	7	every	every	DET
framr-4075	49	8	year	year	NOUN
framr-4075	49	9	that	that	PRON
framr-4075	49	10	it	it	PRON
framr-4075	49	11	plays	play	VERB
framr-4075	49	12	a	a	DET
framr-4075	49	13	prominent	prominent	ADJ
framr-4075	49	14	role	role	NOUN
framr-4075	49	15	in	in	ADP
framr-4075	49	16	strengthening	strengthen	VERB
framr-4075	49	17	the	the	DET
framr-4075	49	18	economy	economy	NOUN
framr-4075	49	19	by	by	ADP
framr-4075	49	20	stimulating	stimulate	VERB
framr-4075	49	21	the	the	DET
framr-4075	49	22	digital	digital	ADJ
framr-4075	49	23	economy	economy	NOUN
framr-4075	49	24	with	with	ADP
framr-4075	49	25	the	the	DET
framr-4075	49	26	help	help	NOUN
framr-4075	49	27	of	of	ADP
framr-4075	49	28	technological	technological	ADJ
framr-4075	49	29	innovation	innovation	NOUN
framr-4075	49	30	.	.	PUNCT
framr-4075	50	1	by	by	ADP
framr-4075	50	2	this	this	DET
framr-4075	50	3	way	way	NOUN
framr-4075	50	4	,	,	PUNCT
framr-4075	50	5	centralisation	centralisation	NOUN
framr-4075	50	6	of	of	ADP
framr-4075	50	7	the	the	DET
framr-4075	50	8	financial	financial	ADJ
framr-4075	50	9	activities	activity	NOUN
framr-4075	50	10	of	of	ADP
framr-4075	50	11	local	local	ADJ
framr-4075	50	12	government	government	NOUN
framr-4075	50	13	will	will	AUX
framr-4075	50	14	accumulate	accumulate	VERB
framr-4075	50	15	.	.	PUNCT
framr-4075	51	1	here	here	ADV
framr-4075	51	2	,	,	PUNCT
framr-4075	51	3	by	by	ADP
framr-4075	51	4	accumulating	accumulate	VERB
framr-4075	51	5	fintech	fintech	NOUN
framr-4075	51	6	and	and	CCONJ
framr-4075	51	7	digital	digital	ADJ
framr-4075	51	8	economy	economy	NOUN
framr-4075	51	9	,	,	PUNCT
framr-4075	51	10	local	local	ADJ
framr-4075	51	11	government	government	NOUN
framr-4075	51	12	can	can	AUX
framr-4075	51	13	motivate	motivate	VERB
framr-4075	51	14	the	the	DET
framr-4075	51	15	implementation	implementation	NOUN
framr-4075	51	16	of	of	ADP
framr-4075	51	17	mutual	mutual	ADJ
framr-4075	51	18	development	development	NOUN
framr-4075	51	19	level	level	NOUN
framr-4075	51	20	(	(	PUNCT
framr-4075	51	21	chen	chen	PROPN
framr-4075	51	22	,	,	PUNCT
framr-4075	51	23	teng	teng	PROPN
framr-4075	51	24	,	,	PUNCT
framr-4075	51	25	&	&	CCONJ
framr-4075	51	26	chen	chen	PROPN
framr-4075	51	27	,	,	PUNCT
framr-4075	51	28	2022	2022	NUM
framr-4075	51	29	)	)	PUNCT
framr-4075	51	30	.	.	PUNCT
framr-4075	52	1	further	far	ADV
framr-4075	52	2	,	,	PUNCT
framr-4075	52	3	it	it	PRON
framr-4075	52	4	will	will	AUX
framr-4075	52	5	develop	develop	VERB
framr-4075	52	6	the	the	DET
framr-4075	52	7	quality	quality	NOUN
framr-4075	52	8	of	of	ADP
framr-4075	52	9	credit	credit	NOUN
framr-4075	52	10	issue	issue	NOUN
framr-4075	52	11	.	.	PUNCT
framr-4075	53	1	even	even	ADV
framr-4075	53	2	from	from	ADP
framr-4075	53	3	the	the	DET
framr-4075	53	4	perspective	perspective	NOUN
framr-4075	53	5	of	of	ADP
framr-4075	53	6	environmental	environmental	ADJ
framr-4075	53	7	degradation	degradation	NOUN
framr-4075	53	8	,	,	PUNCT
framr-4075	53	9	fintech	fintech	NOUN
framr-4075	53	10	assists	assist	NOUN
framr-4075	53	11	in	in	ADP
framr-4075	53	12	diminishing	diminish	VERB
framr-4075	53	13	the	the	DET
framr-4075	53	14	carbon	carbon	NOUN
framr-4075	53	15	-	-	PUNCT
framr-4075	53	16	dioxide	dioxide	NOUN
framr-4075	53	17	effect	effect	NOUN
framr-4075	53	18	,	,	PUNCT
framr-4075	53	19	which	which	PRON
framr-4075	53	20	will	will	AUX
framr-4075	53	21	lead	lead	VERB
framr-4075	53	22	to	to	ADP
framr-4075	53	23	the	the	DET
framr-4075	53	24	achievement	achievement	NOUN
framr-4075	53	25	of	of	ADP
framr-4075	53	26	a	a	DET
framr-4075	53	27	‘	'	PUNCT
framr-4075	53	28	low	low	ADJ
framr-4075	53	29	-	-	PUNCT
framr-4075	53	30	carbon	carbon	NOUN
framr-4075	53	31	economy	economy	NOUN
framr-4075	53	32	’	'	PUNCT
framr-4075	53	33	(	(	PUNCT
framr-4075	53	34	tao	tao	PROPN
framr-4075	53	35	,	,	PUNCT
framr-4075	53	36	su	su	PROPN
framr-4075	53	37	,	,	PUNCT
framr-4075	53	38	naqvi	naqvi	NOUN
framr-4075	53	39	,	,	PUNCT
framr-4075	53	40	&	&	CCONJ
framr-4075	53	41	rizvi	rizvi	PROPN
framr-4075	53	42	,	,	PUNCT
framr-4075	53	43	2022	2022	NUM
framr-4075	53	44	)	)	PUNCT
framr-4075	53	45	secondly	secondly	ADV
framr-4075	53	46	,	,	PUNCT
framr-4075	53	47	the	the	DET
framr-4075	53	48	innovation	innovation	NOUN
framr-4075	53	49	of	of	ADP
framr-4075	53	50	fintech	fintech	NOUN
framr-4075	53	51	not	not	PART
framr-4075	53	52	only	only	ADV
framr-4075	53	53	enhances	enhance	VERB
framr-4075	53	54	the	the	DET
framr-4075	53	55	quality	quality	NOUN
framr-4075	53	56	of	of	ADP
framr-4075	53	57	financial	financial	ADJ
framr-4075	53	58	services	service	NOUN
framr-4075	53	59	to	to	ADP
framr-4075	53	60	its	its	PRON
framr-4075	53	61	customers	customer	NOUN
framr-4075	53	62	with	with	ADP
framr-4075	53	63	its	its	PRON
framr-4075	53	64	diversified	diversified	ADJ
framr-4075	53	65	financial	financial	ADJ
framr-4075	53	66	services	service	NOUN
framr-4075	53	67	like	like	ADP
framr-4075	53	68	mobile	mobile	ADJ
framr-4075	53	69	payment	payment	NOUN
framr-4075	53	70	,	,	PUNCT
framr-4075	53	71	peer	peer	NOUN
framr-4075	53	72	-	-	PUNCT
framr-4075	53	73	to	to	ADP
framr-4075	53	74	-	-	PUNCT
framr-4075	53	75	peer	peer	NOUN
framr-4075	53	76	services	service	NOUN
framr-4075	53	77	,	,	PUNCT
framr-4075	53	78	robo	robo	NOUN
framr-4075	53	79	-	-	PUNCT
framr-4075	53	80	advisors	advisor	NOUN
framr-4075	53	81	,	,	PUNCT
framr-4075	53	82	etc	etc	X
framr-4075	53	83	.	.	X
framr-4075	53	84	,	,	PUNCT
framr-4075	53	85	but	but	CCONJ
framr-4075	53	86	also	also	ADV
framr-4075	53	87	ensures	ensure	VERB
framr-4075	53	88	a	a	DET
framr-4075	53	89	financial	financial	ADJ
framr-4075	53	90	upper	upper	ADJ
framr-4075	53	91	hand	hand	NOUN
framr-4075	53	92	by	by	ADP
framr-4075	53	93	ensuring	ensure	VERB
framr-4075	53	94	financial	financial	ADJ
framr-4075	53	95	or	or	CCONJ
framr-4075	53	96	economic	economic	ADJ
framr-4075	53	97	benefit	benefit	NOUN
framr-4075	53	98	in	in	ADP
framr-4075	53	99	risk	risk	NOUN
framr-4075	53	100	-	-	PUNCT
framr-4075	53	101	benefit	benefit	NOUN
framr-4075	53	102	analysis	analysis	NOUN
framr-4075	53	103	(	(	PUNCT
framr-4075	53	104	nguyen	nguyen	NOUN
framr-4075	53	105	,	,	PUNCT
framr-4075	53	106	2022	2022	NUM
framr-4075	53	107	)	)	PUNCT
framr-4075	53	108	.	.	PUNCT
framr-4075	54	1	during	during	ADP
framr-4075	54	2	the	the	DET
framr-4075	54	3	financial	financial	ADJ
framr-4075	54	4	crisis	crisis	NOUN
framr-4075	54	5	in	in	ADP
framr-4075	54	6	commercial	commercial	ADJ
framr-4075	54	7	banks	bank	NOUN
framr-4075	54	8	in	in	ADP
framr-4075	54	9	terms	term	NOUN
framr-4075	54	10	of	of	ADP
framr-4075	54	11	meeting	meet	VERB
framr-4075	54	12	the	the	DET
framr-4075	54	13	loan	loan	NOUN
framr-4075	54	14	demand	demand	NOUN
framr-4075	54	15	,	,	PUNCT
framr-4075	54	16	the	the	DET
framr-4075	54	17	involvement	involvement	NOUN
framr-4075	54	18	of	of	ADP
framr-4075	54	19	fintech	fintech	NOUN
framr-4075	54	20	in	in	ADP
framr-4075	54	21	smes	sme	NOUN
framr-4075	54	22	operates	operate	VERB
framr-4075	54	23	as	as	ADP
framr-4075	54	24	a	a	DET
framr-4075	54	25	remedy	remedy	NOUN
framr-4075	54	26	of	of	ADP
framr-4075	54	27	the	the	DET
framr-4075	54	28	situation	situation	NOUN
framr-4075	54	29	(	(	PUNCT
framr-4075	54	30	adeosun	adeosun	NOUN
framr-4075	54	31	,	,	PUNCT
framr-4075	54	32	anagreh	anagreh	NOUN
framr-4075	54	33	,	,	PUNCT
framr-4075	54	34	tabash	tabash	NOUN
framr-4075	54	35	,	,	PUNCT
framr-4075	54	36	&	&	CCONJ
framr-4075	54	37	adedokun	adedokun	NOUN
framr-4075	54	38	,	,	PUNCT
framr-4075	54	39	2023	2023	NUM
framr-4075	54	40	)	)	PUNCT
framr-4075	54	41	.	.	PUNCT
framr-4075	55	1	also	also	ADV
framr-4075	55	2	,	,	PUNCT
framr-4075	55	3	mascarenhas	mascarenha	NOUN
framr-4075	55	4	,	,	PUNCT
framr-4075	55	5	perpétuo	perpétuo	NOUN
framr-4075	55	6	,	,	PUNCT
framr-4075	55	7	barrote	barrote	VERB
framr-4075	55	8	,	,	PUNCT
framr-4075	55	9	and	and	CCONJ
framr-4075	55	10	perides	peride	NOUN
framr-4075	55	11	(	(	PUNCT
framr-4075	55	12	2021	2021	NUM
framr-4075	55	13	)	)	PUNCT
framr-4075	55	14	reveal	reveal	VERB
framr-4075	55	15	that	that	SCONJ
framr-4075	55	16	the	the	DET
framr-4075	55	17	risk	risk	NOUN
framr-4075	55	18	in	in	ADP
framr-4075	55	19	the	the	DET
framr-4075	55	20	fintech	fintech	NOUN
framr-4075	55	21	is	be	AUX
framr-4075	55	22	not	not	PART
framr-4075	55	23	considered	consider	VERB
framr-4075	55	24	by	by	ADP
framr-4075	55	25	the	the	DET
framr-4075	55	26	brazilian	brazilian	ADJ
framr-4075	55	27	fintech	fintech	NOUN
framr-4075	55	28	users	user	NOUN
framr-4075	55	29	,	,	PUNCT
framr-4075	55	30	but	but	CCONJ
framr-4075	55	31	they	they	PRON
framr-4075	55	32	consider	consider	VERB
framr-4075	55	33	the	the	DET
framr-4075	55	34	early	early	ADJ
framr-4075	55	35	adopter	adopter	PROPN
framr-4075	55	36	’s	’s	PART
framr-4075	55	37	economic	economic	ADJ
framr-4075	55	38	benefits	benefit	NOUN
framr-4075	55	39	.	.	PUNCT
framr-4075	56	1	here	here	ADV
framr-4075	56	2	,	,	PUNCT
framr-4075	56	3	the	the	DET
framr-4075	56	4	benefits	benefit	NOUN
framr-4075	56	5	and	and	CCONJ
framr-4075	56	6	risks	risk	NOUN
framr-4075	56	7	are	be	AUX
framr-4075	56	8	diversified	diversify	VERB
framr-4075	56	9	.	.	PUNCT
framr-4075	57	1	for	for	ADP
framr-4075	57	2	example	example	NOUN
framr-4075	57	3	,	,	PUNCT
framr-4075	57	4	for	for	ADP
framr-4075	57	5	the	the	DET
framr-4075	57	6	early	early	ADJ
framr-4075	57	7	adopter	adopter	NOUN
framr-4075	57	8	,	,	PUNCT
framr-4075	57	9	operational	operational	ADJ
framr-4075	57	10	risk	risk	NOUN
framr-4075	57	11	influences	influence	VERB
framr-4075	57	12	their	their	PRON
framr-4075	57	13	financial	financial	ADJ
framr-4075	57	14	performance	performance	NOUN
framr-4075	57	15	,	,	PUNCT
framr-4075	57	16	while	while	SCONJ
framr-4075	57	17	in	in	ADP
framr-4075	57	18	the	the	DET
framr-4075	57	19	case	case	NOUN
framr-4075	57	20	of	of	ADP
framr-4075	57	21	the	the	DET
framr-4075	57	22	late	late	ADJ
framr-4075	57	23	adopter	adopter	NOUN
framr-4075	57	24	,	,	PUNCT
framr-4075	57	25	it	it	PRON
framr-4075	57	26	is	be	AUX
framr-4075	57	27	a	a	DET
framr-4075	57	28	financial	financial	ADJ
framr-4075	57	29	risk	risk	NOUN
framr-4075	57	30	due	due	ADP
framr-4075	57	31	to	to	ADP
framr-4075	57	32	seamless	seamless	ADJ
framr-4075	57	33	investment	investment	NOUN
framr-4075	57	34	.	.	PUNCT
framr-4075	58	1	furthermore	furthermore	ADV
framr-4075	58	2	,	,	PUNCT
framr-4075	58	3	it	it	PRON
framr-4075	58	4	has	have	AUX
framr-4075	58	5	been	be	AUX
framr-4075	58	6	disclosed	disclose	VERB
framr-4075	58	7	that	that	SCONJ
framr-4075	58	8	through	through	ADP
framr-4075	58	9	the	the	DET
framr-4075	58	10	digitalisation	digitalisation	NOUN
framr-4075	58	11	of	of	ADP
framr-4075	58	12	the	the	DET
framr-4075	58	13	public	public	ADJ
framr-4075	58	14	finance	finance	NOUN
framr-4075	58	15	activities	activity	NOUN
framr-4075	58	16	,	,	PUNCT
framr-4075	58	17	the	the	DET
framr-4075	58	18	government	government	NOUN
framr-4075	58	19	can	can	AUX
framr-4075	58	20	improve	improve	VERB
framr-4075	58	21	the	the	DET
framr-4075	58	22	operations	operation	NOUN
framr-4075	58	23	of	of	ADP
framr-4075	58	24	public	public	ADJ
framr-4075	58	25	finance	finance	NOUN
framr-4075	58	26	with	with	ADP
framr-4075	58	27	improved	improved	ADJ
framr-4075	58	28	information	information	NOUN
framr-4075	58	29	technology	technology	NOUN
framr-4075	58	30	,	,	PUNCT
framr-4075	58	31	which	which	PRON
framr-4075	58	32	will	will	AUX
framr-4075	58	33	enhance	enhance	VERB
framr-4075	58	34	the	the	DET
framr-4075	58	35	speed	speed	NOUN
framr-4075	58	36	of	of	ADP
framr-4075	58	37	government	government	NOUN
framr-4075	58	38	transactions	transaction	NOUN
framr-4075	58	39	(	(	PUNCT
framr-4075	58	40	uña	uña	ADJ
framr-4075	58	41	,	,	PUNCT
framr-4075	58	42	verma	verma	PROPN
framr-4075	58	43	,	,	PUNCT
framr-4075	58	44	bazarbash	bazarbash	NOUN
framr-4075	58	45	,	,	PUNCT
framr-4075	58	46	&	&	CCONJ
framr-4075	58	47	griffin	griffin	PROPN
framr-4075	58	48	,	,	PUNCT
framr-4075	58	49	2023	2023	NUM
framr-4075	58	50	)	)	PUNCT
framr-4075	58	51	.	.	PUNCT
framr-4075	59	1	better	well	ADJ
framr-4075	59	2	fiscal	fiscal	ADJ
framr-4075	59	3	transparency	transparency	NOUN
framr-4075	59	4	and	and	CCONJ
framr-4075	59	5	budgetary	budgetary	ADJ
framr-4075	59	6	planning	planning	NOUN
framr-4075	59	7	can	can	AUX
framr-4075	59	8	be	be	AUX
framr-4075	59	9	ensured	ensure	VERB
framr-4075	59	10	with	with	ADP
framr-4075	59	11	the	the	DET
framr-4075	59	12	help	help	NOUN
framr-4075	59	13	of	of	ADP
framr-4075	59	14	high	high	ADJ
framr-4075	59	15	-	-	PUNCT
framr-4075	59	16	frequency	frequency	NOUN
framr-4075	59	17	information	information	NOUN
framr-4075	59	18	technology	technology	NOUN
framr-4075	59	19	processes	process	NOUN
framr-4075	59	20	,	,	PUNCT
framr-4075	59	21	including	include	VERB
framr-4075	59	22	resource	resource	NOUN
framr-4075	59	23	allocation	allocation	NOUN
framr-4075	59	24	.	.	PUNCT
framr-4075	60	1	a	a	DET
framr-4075	60	2	multi	multi	ADJ
framr-4075	60	3	-	-	ADJ
framr-4075	60	4	diverse	diverse	ADJ
framr-4075	60	5	fintech	fintech	NOUN
framr-4075	60	6	service	service	NOUN
framr-4075	60	7	financial	financial	ADJ
framr-4075	60	8	risk	risk	NOUN
framr-4075	60	9	and	and	CCONJ
framr-4075	60	10	management	management	NOUN
framr-4075	60	11	reviews	review	NOUN
framr-4075	60	12	,	,	PUNCT
framr-4075	60	13	2025	2025	NUM
framr-4075	60	14	,	,	PUNCT
framr-4075	60	15	11(1	11(1	NUM
framr-4075	60	16	):	):	PUNCT
framr-4075	60	17	1	1	NUM
framr-4075	60	18	-	-	SYM
framr-4075	60	19	36	36	NUM
framr-4075	60	20	3	3	NUM
framr-4075	60	21	©	©	PROPN
framr-4075	60	22	2025	2025	NUM
framr-4075	60	23	conscientia	conscientia	PROPN
framr-4075	60	24	beam	beam	PROPN
framr-4075	60	25	.	.	PUNCT
framr-4075	61	1	all	all	DET
framr-4075	61	2	rights	right	NOUN
framr-4075	61	3	reserved	reserve	VERB
framr-4075	61	4	.	.	PUNCT
framr-4075	62	1	ensures	ensure	VERB
framr-4075	62	2	financial	financial	ADJ
framr-4075	62	3	stability	stability	NOUN
framr-4075	62	4	in	in	ADP
framr-4075	62	5	brics	brics	PROPN
framr-4075	62	6	(	(	PUNCT
framr-4075	62	7	brazil	brazil	PROPN
framr-4075	62	8	,	,	PUNCT
framr-4075	62	9	russia	russia	PROPN
framr-4075	62	10	,	,	PUNCT
framr-4075	62	11	india	india	PROPN
framr-4075	62	12	,	,	PUNCT
framr-4075	62	13	china	china	PROPN
framr-4075	62	14	,	,	PUNCT
framr-4075	62	15	south	south	PROPN
framr-4075	62	16	africa	africa	PROPN
framr-4075	62	17	,	,	PUNCT
framr-4075	62	18	egypt	egypt	PROPN
framr-4075	62	19	,	,	PUNCT
framr-4075	62	20	ethiopia	ethiopia	PROPN
framr-4075	62	21	,	,	PUNCT
framr-4075	62	22	indonesia	indonesia	PROPN
framr-4075	62	23	,	,	PUNCT
framr-4075	62	24	iran	iran	PROPN
framr-4075	62	25	,	,	PUNCT
framr-4075	62	26	and	and	CCONJ
framr-4075	62	27	the	the	DET
framr-4075	62	28	united	united	PROPN
framr-4075	62	29	arab	arab	PROPN
framr-4075	62	30	emirates	emirates	PROPN
framr-4075	62	31	)	)	PUNCT
framr-4075	62	32	countries	country	NOUN
framr-4075	62	33	(	(	PUNCT
framr-4075	62	34	vuković	vuković	PROPN
framr-4075	62	35	,	,	PUNCT
framr-4075	62	36	hassan	hassan	PROPN
framr-4075	62	37	,	,	PUNCT
framr-4075	62	38	kwakye	kwakye	NOUN
framr-4075	62	39	,	,	PUNCT
framr-4075	62	40	febtinugraini	febtinugraini	NOUN
framr-4075	62	41	,	,	PUNCT
framr-4075	62	42	&	&	CCONJ
framr-4075	62	43	shakib	shakib	NOUN
framr-4075	62	44	,	,	PUNCT
framr-4075	62	45	2024	2024	NUM
framr-4075	62	46	)	)	PUNCT
framr-4075	62	47	.	.	PUNCT
framr-4075	63	1	however	however	ADV
framr-4075	63	2	,	,	PUNCT
framr-4075	63	3	these	these	DET
framr-4075	63	4	revolutionising	revolutionise	VERB
framr-4075	63	5	blockchain	blockchain	PROPN
framr-4075	63	6	technologies	technology	NOUN
framr-4075	63	7	have	have	AUX
framr-4075	63	8	faced	face	VERB
framr-4075	63	9	some	some	DET
framr-4075	63	10	challenges	challenge	NOUN
framr-4075	63	11	in	in	ADP
framr-4075	63	12	fintech	fintech	NOUN
framr-4075	63	13	investment	investment	NOUN
framr-4075	63	14	management	management	NOUN
framr-4075	63	15	,	,	PUNCT
framr-4075	63	16	customer	customer	NOUN
framr-4075	63	17	management	management	NOUN
framr-4075	63	18	,	,	PUNCT
framr-4075	63	19	technology	technology	NOUN
framr-4075	63	20	integration	integration	NOUN
framr-4075	63	21	,	,	PUNCT
framr-4075	63	22	and	and	CCONJ
framr-4075	63	23	so	so	ADV
framr-4075	63	24	on	on	ADV
framr-4075	63	25	(	(	PUNCT
framr-4075	63	26	lee	lee	PROPN
framr-4075	63	27	&	&	CCONJ
framr-4075	63	28	shin	shin	PROPN
framr-4075	63	29	,	,	PUNCT
framr-4075	63	30	2018	2018	NUM
framr-4075	63	31	)	)	PUNCT
framr-4075	63	32	.	.	PUNCT
framr-4075	64	1	among	among	ADP
framr-4075	64	2	all	all	PRON
framr-4075	64	3	of	of	ADP
framr-4075	64	4	these	these	DET
framr-4075	64	5	challenges	challenge	NOUN
framr-4075	64	6	,	,	PUNCT
framr-4075	64	7	security	security	NOUN
framr-4075	64	8	challenges	challenge	NOUN
framr-4075	64	9	in	in	ADP
framr-4075	64	10	mobile	mobile	ADJ
framr-4075	64	11	phones	phone	NOUN
framr-4075	64	12	are	be	AUX
framr-4075	64	13	detrimental	detrimental	ADJ
framr-4075	64	14	to	to	ADP
framr-4075	64	15	the	the	DET
framr-4075	64	16	fintech	fintech	NOUN
framr-4075	64	17	industry	industry	NOUN
framr-4075	64	18	.	.	PUNCT
framr-4075	65	1	significant	significant	ADJ
framr-4075	65	2	data	datum	NOUN
framr-4075	65	3	storage	storage	NOUN
framr-4075	65	4	in	in	ADP
framr-4075	65	5	mobile	mobile	ADJ
framr-4075	65	6	phones	phone	NOUN
framr-4075	65	7	,	,	PUNCT
framr-4075	65	8	including	include	VERB
framr-4075	65	9	information	information	NOUN
framr-4075	65	10	related	relate	VERB
framr-4075	65	11	to	to	ADP
framr-4075	65	12	payment	payment	NOUN
framr-4075	65	13	applications	application	NOUN
framr-4075	65	14	,	,	PUNCT
framr-4075	65	15	can	can	AUX
framr-4075	65	16	be	be	AUX
framr-4075	65	17	jeopardized	jeopardize	VERB
framr-4075	65	18	.	.	PUNCT
framr-4075	66	1	in	in	ADP
framr-4075	66	2	hayashi	hayashi	PROPN
framr-4075	66	3	(	(	PUNCT
framr-4075	66	4	2016	2016	NUM
framr-4075	66	5	)	)	PUNCT
framr-4075	66	6	the	the	DET
framr-4075	66	7	consumer	consumer	NOUN
framr-4075	66	8	financial	financial	PROPN
framr-4075	66	9	protection	protection	PROPN
framr-4075	66	10	bureau	bureau	PROPN
framr-4075	66	11	(	(	PUNCT
framr-4075	66	12	cfpb	cfpb	NOUN
framr-4075	66	13	)	)	PUNCT
framr-4075	66	14	compelled	compel	VERB
framr-4075	66	15	dwolla	dwolla	NOUN
framr-4075	66	16	to	to	PART
framr-4075	66	17	pay	pay	VERB
framr-4075	66	18	a	a	DET
framr-4075	66	19	penalty	penalty	NOUN
framr-4075	66	20	for	for	ADP
framr-4075	66	21	its	its	PRON
framr-4075	66	22	data	data	NOUN
framr-4075	66	23	security	security	NOUN
framr-4075	66	24	breaches	breach	NOUN
framr-4075	66	25	and	and	CCONJ
framr-4075	66	26	misleading	mislead	VERB
framr-4075	66	27	cybersecurity	cybersecurity	NOUN
framr-4075	66	28	.	.	PUNCT
framr-4075	67	1	thirdly	thirdly	ADV
framr-4075	67	2	,	,	PUNCT
framr-4075	67	3	despite	despite	SCONJ
framr-4075	67	4	several	several	ADJ
framr-4075	67	5	benefits	benefit	NOUN
framr-4075	67	6	,	,	PUNCT
framr-4075	67	7	fintech	fintech	NOUN
framr-4075	67	8	has	have	AUX
framr-4075	67	9	provided	provide	VERB
framr-4075	67	10	an	an	DET
framr-4075	67	11	opportunity	opportunity	NOUN
framr-4075	67	12	to	to	PART
framr-4075	67	13	increase	increase	VERB
framr-4075	67	14	the	the	DET
framr-4075	67	15	rate	rate	NOUN
framr-4075	67	16	of	of	ADP
framr-4075	67	17	financial	financial	ADJ
framr-4075	67	18	crimes	crime	NOUN
framr-4075	67	19	.	.	PUNCT
framr-4075	68	1	the	the	DET
framr-4075	68	2	study	study	NOUN
framr-4075	68	3	will	will	AUX
framr-4075	68	4	assist	assist	VERB
framr-4075	68	5	potential	potential	ADJ
framr-4075	68	6	business	business	NOUN
framr-4075	68	7	leaders	leader	NOUN
framr-4075	68	8	in	in	ADP
framr-4075	68	9	understanding	understand	VERB
framr-4075	68	10	the	the	DET
framr-4075	68	11	classification	classification	NOUN
framr-4075	68	12	and	and	CCONJ
framr-4075	68	13	method	method	NOUN
framr-4075	68	14	of	of	ADP
framr-4075	68	15	these	these	DET
framr-4075	68	16	crimes	crime	NOUN
framr-4075	68	17	.	.	PUNCT
framr-4075	69	1	by	by	ADP
framr-4075	69	2	leveraging	leverage	VERB
framr-4075	69	3	financial	financial	ADJ
framr-4075	69	4	technologies	technology	NOUN
framr-4075	69	5	,	,	PUNCT
framr-4075	69	6	criminals	criminal	NOUN
framr-4075	69	7	are	be	AUX
framr-4075	69	8	using	use	VERB
framr-4075	69	9	fintech	fintech	NOUN
framr-4075	69	10	in	in	ADP
framr-4075	69	11	money	money	NOUN
framr-4075	69	12	transfer	transfer	NOUN
framr-4075	69	13	,	,	PUNCT
framr-4075	69	14	fraud	fraud	NOUN
framr-4075	69	15	,	,	PUNCT
framr-4075	69	16	money	money	NOUN
framr-4075	69	17	laundering	laundering	NOUN
framr-4075	69	18	,	,	PUNCT
framr-4075	69	19	etc	etc	X
framr-4075	69	20	.	.	X
framr-4075	69	21	(	(	PUNCT
framr-4075	69	22	nikkel	nikkel	NOUN
framr-4075	69	23	,	,	PUNCT
framr-4075	69	24	2020	2020	NUM
framr-4075	69	25	)	)	PUNCT
framr-4075	69	26	.	.	PUNCT
framr-4075	70	1	by	by	ADP
framr-4075	70	2	studying	study	VERB
framr-4075	70	3	the	the	DET
framr-4075	70	4	nature	nature	NOUN
framr-4075	70	5	and	and	CCONJ
framr-4075	70	6	method	method	NOUN
framr-4075	70	7	of	of	ADP
framr-4075	70	8	financial	financial	ADJ
framr-4075	70	9	crime	crime	NOUN
framr-4075	70	10	,	,	PUNCT
framr-4075	70	11	it	it	PRON
framr-4075	70	12	will	will	AUX
framr-4075	70	13	be	be	AUX
framr-4075	70	14	easier	easy	ADJ
framr-4075	70	15	to	to	PART
framr-4075	70	16	reduce	reduce	VERB
framr-4075	70	17	the	the	DET
framr-4075	70	18	rate	rate	NOUN
framr-4075	70	19	of	of	ADP
framr-4075	70	20	financial	financial	ADJ
framr-4075	70	21	crime	crime	NOUN
framr-4075	70	22	by	by	ADP
framr-4075	70	23	improving	improve	VERB
framr-4075	70	24	the	the	DET
framr-4075	70	25	financial	financial	ADJ
framr-4075	70	26	information	information	NOUN
framr-4075	70	27	technology	technology	NOUN
framr-4075	70	28	.	.	PUNCT
framr-4075	71	1	for	for	ADP
framr-4075	71	2	example	example	NOUN
framr-4075	71	3	,	,	PUNCT
framr-4075	71	4	the	the	DET
framr-4075	71	5	lack	lack	NOUN
framr-4075	71	6	of	of	ADP
framr-4075	71	7	regulations	regulation	NOUN
framr-4075	71	8	and	and	CCONJ
framr-4075	71	9	maximisation	maximisation	NOUN
framr-4075	71	10	in	in	ADP
framr-4075	71	11	the	the	DET
framr-4075	71	12	usage	usage	NOUN
framr-4075	71	13	of	of	ADP
framr-4075	71	14	cryptocurrencies	cryptocurrencie	NOUN
framr-4075	71	15	encourages	encourage	VERB
framr-4075	71	16	the	the	DET
framr-4075	71	17	perpetrators	perpetrator	NOUN
framr-4075	71	18	to	to	PART
framr-4075	71	19	abuse	abuse	VERB
framr-4075	71	20	the	the	DET
framr-4075	71	21	fintech	fintech	NOUN
framr-4075	71	22	(	(	PUNCT
framr-4075	71	23	despotović	despotović	PROPN
framr-4075	71	24	,	,	PUNCT
framr-4075	71	25	parmaković	parmaković	NOUN
framr-4075	71	26	,	,	PUNCT
framr-4075	71	27	&	&	CCONJ
framr-4075	71	28	miljković	miljković	PROPN
framr-4075	71	29	,	,	PUNCT
framr-4075	71	30	2023	2023	NUM
framr-4075	71	31	)	)	PUNCT
framr-4075	71	32	.	.	PUNCT
framr-4075	72	1	to	to	PART
framr-4075	72	2	ensure	ensure	VERB
framr-4075	72	3	the	the	DET
framr-4075	72	4	limits	limit	NOUN
framr-4075	72	5	of	of	ADP
framr-4075	72	6	legality	legality	NOUN
framr-4075	72	7	among	among	ADP
framr-4075	72	8	the	the	DET
framr-4075	72	9	economic	economic	ADJ
framr-4075	72	10	users	user	NOUN
framr-4075	72	11	,	,	PUNCT
framr-4075	72	12	an	an	DET
framr-4075	72	13	organic	organic	ADJ
framr-4075	72	14	regulation	regulation	NOUN
framr-4075	72	15	like	like	ADP
framr-4075	72	16	an	an	DET
framr-4075	72	17	anti	anti	ADJ
framr-4075	72	18	-	-	ADJ
framr-4075	72	19	money	money	ADJ
framr-4075	72	20	laundering	launder	VERB
framr-4075	72	21	legal	legal	ADJ
framr-4075	72	22	framework	framework	NOUN
framr-4075	72	23	is	be	AUX
framr-4075	72	24	developed	develop	VERB
framr-4075	72	25	(	(	PUNCT
framr-4075	72	26	faccia	faccia	PROPN
framr-4075	72	27	,	,	PUNCT
framr-4075	72	28	moşteanu	moşteanu	PROPN
framr-4075	72	29	,	,	PUNCT
framr-4075	72	30	cavaliere	cavaliere	PROPN
framr-4075	72	31	,	,	PUNCT
framr-4075	72	32	&	&	CCONJ
framr-4075	72	33	matarunados	matarunado	NOUN
framr-4075	72	34	-	-	PUNCT
framr-4075	72	35	santos	santo	NOUN
framr-4075	72	36	,	,	PUNCT
framr-4075	72	37	2020	2020	NUM
framr-4075	72	38	)	)	PUNCT
framr-4075	72	39	.	.	PUNCT
framr-4075	73	1	yet	yet	ADV
framr-4075	73	2	,	,	PUNCT
framr-4075	73	3	the	the	DET
framr-4075	73	4	regulatory	regulatory	ADJ
framr-4075	73	5	loopholes	loophole	NOUN
framr-4075	73	6	in	in	ADP
framr-4075	73	7	this	this	DET
framr-4075	73	8	advancing	advance	VERB
framr-4075	73	9	information	information	NOUN
framr-4075	73	10	technology	technology	NOUN
framr-4075	73	11	in	in	ADP
framr-4075	73	12	the	the	DET
framr-4075	73	13	financial	financial	ADJ
framr-4075	73	14	area	area	NOUN
framr-4075	73	15	often	often	ADV
framr-4075	73	16	generate	generate	VERB
framr-4075	73	17	obstacles	obstacle	NOUN
framr-4075	73	18	to	to	ADP
framr-4075	73	19	financial	financial	ADJ
framr-4075	73	20	inclusion	inclusion	NOUN
framr-4075	73	21	.	.	PUNCT
framr-4075	74	1	the	the	DET
framr-4075	74	2	fraud	fraud	NOUN
framr-4075	74	3	triangle	triangle	NOUN
framr-4075	74	4	approach	approach	NOUN
framr-4075	74	5	(	(	PUNCT
framr-4075	74	6	motives	motive	NOUN
framr-4075	74	7	,	,	PUNCT
framr-4075	74	8	opportunities	opportunity	NOUN
framr-4075	74	9	,	,	PUNCT
framr-4075	74	10	and	and	CCONJ
framr-4075	74	11	rationales	rationale	NOUN
framr-4075	74	12	)	)	PUNCT
framr-4075	74	13	confirms	confirm	VERB
framr-4075	74	14	the	the	DET
framr-4075	74	15	involvement	involvement	NOUN
framr-4075	74	16	of	of	ADP
framr-4075	74	17	financial	financial	ADJ
framr-4075	74	18	crimes	crime	NOUN
framr-4075	74	19	in	in	ADP
framr-4075	74	20	such	such	ADJ
framr-4075	74	21	regulatory	regulatory	ADJ
framr-4075	74	22	loopholes	loophole	NOUN
framr-4075	74	23	(	(	PUNCT
framr-4075	74	24	zakaria	zakaria	PROPN
framr-4075	74	25	,	,	PUNCT
framr-4075	74	26	2023	2023	NUM
framr-4075	74	27	)	)	PUNCT
framr-4075	74	28	.	.	PUNCT
framr-4075	75	1	according	accord	VERB
framr-4075	75	2	to	to	ADP
framr-4075	75	3	saluja	saluja	PROPN
framr-4075	75	4	(	(	PUNCT
framr-4075	75	5	2024	2024	NUM
framr-4075	75	6	)	)	PUNCT
framr-4075	75	7	during	during	ADP
framr-4075	75	8	the	the	DET
framr-4075	75	9	covid-19	covid-19	PROPN
framr-4075	75	10	period	period	NOUN
framr-4075	75	11	,	,	PUNCT
framr-4075	75	12	financial	financial	ADJ
framr-4075	75	13	crimes	crime	NOUN
framr-4075	75	14	,	,	PUNCT
framr-4075	75	15	especially	especially	ADV
framr-4075	75	16	“	"	PUNCT
framr-4075	75	17	identity	identity	NOUN
framr-4075	75	18	theft	theft	NOUN
framr-4075	75	19	,	,	PUNCT
framr-4075	75	20	”	"	PUNCT
framr-4075	75	21	have	have	AUX
framr-4075	75	22	increased	increase	VERB
framr-4075	75	23	at	at	ADP
framr-4075	75	24	an	an	DET
framr-4075	75	25	enormous	enormous	ADJ
framr-4075	75	26	rate	rate	NOUN
framr-4075	75	27	.	.	PUNCT
framr-4075	76	1	at	at	ADP
framr-4075	76	2	last	last	ADJ
framr-4075	76	3	,	,	PUNCT
framr-4075	76	4	due	due	ADP
framr-4075	76	5	to	to	ADP
framr-4075	76	6	a	a	DET
framr-4075	76	7	lack	lack	NOUN
framr-4075	76	8	of	of	ADP
framr-4075	76	9	skilled	skilled	ADJ
framr-4075	76	10	developers	developer	NOUN
framr-4075	76	11	,	,	PUNCT
framr-4075	76	12	with	with	ADP
framr-4075	76	13	the	the	DET
framr-4075	76	14	growth	growth	NOUN
framr-4075	76	15	of	of	ADP
framr-4075	76	16	fintech	fintech	NOUN
framr-4075	76	17	,	,	PUNCT
framr-4075	76	18	the	the	DET
framr-4075	76	19	rate	rate	NOUN
framr-4075	76	20	of	of	ADP
framr-4075	76	21	customer	customer	NOUN
framr-4075	76	22	vulnerability	vulnerability	NOUN
framr-4075	76	23	is	be	AUX
framr-4075	76	24	also	also	ADV
framr-4075	76	25	enhancing	enhance	VERB
framr-4075	76	26	at	at	ADP
framr-4075	76	27	a	a	DET
framr-4075	76	28	rapid	rapid	ADJ
framr-4075	76	29	rate	rate	NOUN
framr-4075	76	30	(	(	PUNCT
framr-4075	76	31	sampat	sampat	NOUN
framr-4075	76	32	,	,	PUNCT
framr-4075	76	33	mogaji	mogaji	NOUN
framr-4075	76	34	,	,	PUNCT
framr-4075	76	35	&	&	CCONJ
framr-4075	76	36	nguyen	nguyen	PROPN
framr-4075	76	37	,	,	PUNCT
framr-4075	76	38	2024	2024	NUM
framr-4075	76	39	)	)	PUNCT
framr-4075	76	40	.	.	PUNCT
framr-4075	77	1	ineffective	ineffective	ADJ
framr-4075	77	2	data	datum	NOUN
framr-4075	77	3	management	management	NOUN
framr-4075	77	4	increases	increase	VERB
framr-4075	77	5	customer	customer	NOUN
framr-4075	77	6	vulnerability	vulnerability	NOUN
framr-4075	77	7	due	due	ADP
framr-4075	77	8	to	to	ADP
framr-4075	77	9	the	the	DET
framr-4075	77	10	lack	lack	NOUN
framr-4075	77	11	of	of	ADP
framr-4075	77	12	developed	develop	VERB
framr-4075	77	13	applications	application	NOUN
framr-4075	77	14	for	for	ADP
framr-4075	77	15	mobile	mobile	ADJ
framr-4075	77	16	phone	phone	NOUN
framr-4075	77	17	users	user	NOUN
framr-4075	77	18	and	and	CCONJ
framr-4075	77	19	lack	lack	NOUN
framr-4075	77	20	of	of	ADP
framr-4075	77	21	proficiency	proficiency	NOUN
framr-4075	77	22	among	among	ADP
framr-4075	77	23	developers	developer	NOUN
framr-4075	77	24	.	.	PUNCT
framr-4075	78	1	moreover	moreover	ADV
framr-4075	78	2	,	,	PUNCT
framr-4075	78	3	improper	improper	ADJ
framr-4075	78	4	integration	integration	NOUN
framr-4075	78	5	between	between	ADP
framr-4075	78	6	the	the	DET
framr-4075	78	7	new	new	ADJ
framr-4075	78	8	technology	technology	NOUN
framr-4075	78	9	and	and	CCONJ
framr-4075	78	10	the	the	DET
framr-4075	78	11	traditional	traditional	ADJ
framr-4075	78	12	one	one	NUM
framr-4075	78	13	is	be	AUX
framr-4075	78	14	another	another	DET
framr-4075	78	15	reason	reason	NOUN
framr-4075	78	16	for	for	ADP
framr-4075	78	17	which	which	PRON
framr-4075	78	18	customer	customer	NOUN
framr-4075	78	19	management	management	NOUN
framr-4075	78	20	becomes	become	VERB
framr-4075	78	21	weak	weak	ADJ
framr-4075	78	22	and	and	CCONJ
framr-4075	78	23	the	the	DET
framr-4075	78	24	organisation	organisation	NOUN
framr-4075	78	25	loses	lose	VERB
framr-4075	78	26	competitive	competitive	ADJ
framr-4075	78	27	advantages	advantage	NOUN
framr-4075	78	28	(	(	PUNCT
framr-4075	78	29	lee	lee	PROPN
framr-4075	78	30	&	&	CCONJ
framr-4075	78	31	shin	shin	PROPN
framr-4075	78	32	,	,	PUNCT
framr-4075	78	33	2018	2018	NUM
framr-4075	78	34	)	)	PUNCT
framr-4075	78	35	.	.	PUNCT
framr-4075	79	1	by	by	ADP
framr-4075	79	2	the	the	DET
framr-4075	79	3	study	study	NOUN
framr-4075	79	4	,	,	PUNCT
framr-4075	79	5	it	it	PRON
framr-4075	79	6	will	will	AUX
framr-4075	79	7	be	be	AUX
framr-4075	79	8	easier	easy	ADJ
framr-4075	79	9	for	for	SCONJ
framr-4075	79	10	responsible	responsible	ADJ
framr-4075	79	11	authorities	authority	NOUN
framr-4075	79	12	to	to	PART
framr-4075	79	13	identify	identify	VERB
framr-4075	79	14	the	the	DET
framr-4075	79	15	financial	financial	ADJ
framr-4075	79	16	obstacles	obstacle	NOUN
framr-4075	79	17	or	or	CCONJ
framr-4075	79	18	financial	financial	ADJ
framr-4075	79	19	crime	crime	NOUN
framr-4075	79	20	or	or	CCONJ
framr-4075	79	21	regulatory	regulatory	ADJ
framr-4075	79	22	loopholes	loophole	NOUN
framr-4075	79	23	and	and	CCONJ
framr-4075	79	24	then	then	ADV
framr-4075	79	25	,	,	PUNCT
framr-4075	79	26	to	to	PART
framr-4075	79	27	innovate	innovate	VERB
framr-4075	79	28	effective	effective	ADJ
framr-4075	79	29	information	information	NOUN
framr-4075	79	30	technology	technology	NOUN
framr-4075	79	31	and	and	CCONJ
framr-4075	79	32	formulate	formulate	ADJ
framr-4075	79	33	regulations	regulation	NOUN
framr-4075	79	34	to	to	PART
framr-4075	79	35	reduce	reduce	VERB
framr-4075	79	36	financial	financial	ADJ
framr-4075	79	37	loss	loss	NOUN
framr-4075	79	38	.	.	PUNCT
framr-4075	80	1	fintech	fintech	NOUN
framr-4075	80	2	has	have	VERB
framr-4075	80	3	a	a	DET
framr-4075	80	4	prominent	prominent	ADJ
framr-4075	80	5	impact	impact	NOUN
framr-4075	80	6	on	on	ADP
framr-4075	80	7	the	the	DET
framr-4075	80	8	economy	economy	NOUN
framr-4075	80	9	of	of	ADP
framr-4075	80	10	the	the	DET
framr-4075	80	11	world	world	NOUN
framr-4075	80	12	.	.	PUNCT
framr-4075	81	1	it	it	PRON
framr-4075	81	2	has	have	AUX
framr-4075	81	3	become	become	VERB
framr-4075	81	4	a	a	DET
framr-4075	81	5	major	major	ADJ
framr-4075	81	6	player	player	NOUN
framr-4075	81	7	in	in	ADP
framr-4075	81	8	the	the	DET
framr-4075	81	9	financial	financial	ADJ
framr-4075	81	10	world	world	NOUN
framr-4075	81	11	.	.	PUNCT
framr-4075	82	1	it	it	PRON
framr-4075	82	2	has	have	AUX
framr-4075	82	3	increased	increase	VERB
framr-4075	82	4	as	as	ADP
framr-4075	82	5	a	a	DET
framr-4075	82	6	great	great	ADJ
framr-4075	82	7	phenomenon	phenomenon	NOUN
framr-4075	82	8	that	that	SCONJ
framr-4075	82	9	in	in	ADP
framr-4075	82	10	2016	2016	NUM
framr-4075	82	11	a	a	DET
framr-4075	82	12	63	63	NUM
framr-4075	82	13	%	%	NOUN
framr-4075	82	14	increase	increase	NOUN
framr-4075	82	15	in	in	ADP
framr-4075	82	16	the	the	DET
framr-4075	82	17	investment	investment	NOUN
framr-4075	82	18	in	in	ADP
framr-4075	82	19	the	the	DET
framr-4075	82	20	fintech	fintech	NOUN
framr-4075	82	21	industry	industry	NOUN
framr-4075	82	22	has	have	AUX
framr-4075	82	23	been	be	AUX
framr-4075	82	24	shown	show	VERB
framr-4075	82	25	(	(	PUNCT
framr-4075	82	26	accenture	accenture	NOUN
framr-4075	82	27	,	,	PUNCT
framr-4075	82	28	2016	2016	NUM
framr-4075	82	29	)	)	PUNCT
framr-4075	82	30	.	.	PUNCT
framr-4075	83	1	several	several	ADJ
framr-4075	83	2	researchers	researcher	NOUN
framr-4075	83	3	have	have	AUX
framr-4075	83	4	studied	study	VERB
framr-4075	83	5	numerous	numerous	ADJ
framr-4075	83	6	dimensions	dimension	NOUN
framr-4075	83	7	of	of	ADP
framr-4075	83	8	fintech	fintech	NOUN
framr-4075	83	9	.	.	PUNCT
framr-4075	84	1	however	however	ADV
framr-4075	84	2	,	,	PUNCT
framr-4075	84	3	as	as	SCONJ
framr-4075	84	4	the	the	DET
framr-4075	84	5	operations	operation	NOUN
framr-4075	84	6	of	of	ADP
framr-4075	84	7	fintech	fintech	NOUN
framr-4075	84	8	are	be	AUX
framr-4075	84	9	widening	widen	VERB
framr-4075	84	10	day	day	NOUN
framr-4075	84	11	by	by	ADP
framr-4075	84	12	day	day	NOUN
framr-4075	84	13	,	,	PUNCT
framr-4075	84	14	both	both	PRON
framr-4075	84	15	as	as	ADP
framr-4075	84	16	a	a	DET
framr-4075	84	17	blessing	blessing	NOUN
framr-4075	84	18	and	and	CCONJ
framr-4075	84	19	a	a	DET
framr-4075	84	20	curse	curse	NOUN
framr-4075	84	21	,	,	PUNCT
framr-4075	84	22	they	they	PRON
framr-4075	84	23	are	be	AUX
framr-4075	84	24	not	not	PART
framr-4075	84	25	comparable	comparable	ADJ
framr-4075	84	26	in	in	ADP
framr-4075	84	27	the	the	DET
framr-4075	84	28	existing	exist	VERB
framr-4075	84	29	literature	literature	NOUN
framr-4075	84	30	.	.	PUNCT
framr-4075	85	1	with	with	ADP
framr-4075	85	2	the	the	DET
framr-4075	85	3	improvement	improvement	NOUN
framr-4075	85	4	of	of	ADP
framr-4075	85	5	fintech	fintech	NOUN
framr-4075	85	6	,	,	PUNCT
framr-4075	85	7	not	not	PART
framr-4075	85	8	only	only	ADV
framr-4075	85	9	will	will	AUX
framr-4075	85	10	the	the	DET
framr-4075	85	11	possibility	possibility	NOUN
framr-4075	85	12	of	of	ADP
framr-4075	85	13	financial	financial	ADJ
framr-4075	85	14	crime	crime	NOUN
framr-4075	85	15	increase	increase	NOUN
framr-4075	85	16	,	,	PUNCT
framr-4075	85	17	but	but	CCONJ
framr-4075	85	18	there	there	PRON
framr-4075	85	19	will	will	AUX
framr-4075	85	20	also	also	ADV
framr-4075	85	21	be	be	AUX
framr-4075	85	22	enhanced	enhance	VERB
framr-4075	85	23	information	information	NOUN
framr-4075	85	24	technology	technology	NOUN
framr-4075	85	25	to	to	PART
framr-4075	85	26	identify	identify	VERB
framr-4075	85	27	and	and	CCONJ
framr-4075	85	28	mitigate	mitigate	VERB
framr-4075	85	29	those	those	DET
framr-4075	85	30	crimes	crime	NOUN
framr-4075	85	31	.	.	PUNCT
framr-4075	86	1	yet	yet	ADV
framr-4075	86	2	,	,	PUNCT
framr-4075	86	3	there	there	PRON
framr-4075	86	4	are	be	VERB
framr-4075	86	5	few	few	ADJ
framr-4075	86	6	studies	study	NOUN
framr-4075	86	7	that	that	PRON
framr-4075	86	8	have	have	AUX
framr-4075	86	9	been	be	AUX
framr-4075	86	10	conducted	conduct	VERB
framr-4075	86	11	on	on	ADP
framr-4075	86	12	this	this	DET
framr-4075	86	13	matter	matter	NOUN
framr-4075	86	14	.	.	PUNCT
framr-4075	87	1	as	as	SCONJ
framr-4075	87	2	fintech	fintech	NOUN
framr-4075	87	3	is	be	AUX
framr-4075	87	4	playing	play	VERB
framr-4075	87	5	a	a	DET
framr-4075	87	6	prominent	prominent	ADJ
framr-4075	87	7	role	role	NOUN
framr-4075	87	8	in	in	ADP
framr-4075	87	9	both	both	PRON
framr-4075	87	10	mitigating	mitigate	VERB
framr-4075	87	11	and	and	CCONJ
framr-4075	87	12	increasing	increase	VERB
framr-4075	87	13	financial	financial	ADJ
framr-4075	87	14	crime	crime	NOUN
framr-4075	87	15	,	,	PUNCT
framr-4075	87	16	there	there	PRON
framr-4075	87	17	is	be	VERB
framr-4075	87	18	not	not	PART
framr-4075	87	19	enough	enough	ADJ
framr-4075	87	20	study	study	NOUN
framr-4075	87	21	that	that	PRON
framr-4075	87	22	provides	provide	VERB
framr-4075	87	23	any	any	DET
framr-4075	87	24	established	established	ADJ
framr-4075	87	25	or	or	CCONJ
framr-4075	87	26	final	final	ADJ
framr-4075	87	27	verdict	verdict	NOUN
framr-4075	87	28	.	.	PUNCT
framr-4075	88	1	hence	hence	ADV
framr-4075	88	2	,	,	PUNCT
framr-4075	88	3	the	the	DET
framr-4075	88	4	aim	aim	NOUN
framr-4075	88	5	of	of	ADP
framr-4075	88	6	our	our	PRON
framr-4075	88	7	study	study	NOUN
framr-4075	88	8	is	be	AUX
framr-4075	88	9	to	to	PART
framr-4075	88	10	investigate	investigate	VERB
framr-4075	88	11	the	the	DET
framr-4075	88	12	dual	dual	ADJ
framr-4075	88	13	impact	impact	NOUN
framr-4075	88	14	of	of	ADP
framr-4075	88	15	fintech	fintech	NOUN
framr-4075	88	16	by	by	ADP
framr-4075	88	17	analysing	analyse	VERB
framr-4075	88	18	the	the	DET
framr-4075	88	19	financial	financial	ADJ
framr-4075	88	20	crimes	crime	NOUN
framr-4075	88	21	,	,	PUNCT
framr-4075	88	22	their	their	PRON
framr-4075	88	23	mechanism	mechanism	NOUN
framr-4075	88	24	,	,	PUNCT
framr-4075	88	25	and	and	CCONJ
framr-4075	88	26	their	their	PRON
framr-4075	88	27	impact	impact	NOUN
framr-4075	88	28	with	with	ADP
framr-4075	88	29	a	a	DET
framr-4075	88	30	case	case	NOUN
framr-4075	88	31	study	study	NOUN
framr-4075	88	32	.	.	PUNCT
framr-4075	89	1	also	also	ADV
framr-4075	89	2	,	,	PUNCT
framr-4075	89	3	it	it	PRON
framr-4075	89	4	will	will	AUX
framr-4075	89	5	come	come	VERB
framr-4075	89	6	to	to	ADP
framr-4075	89	7	the	the	DET
framr-4075	89	8	decision	decision	NOUN
framr-4075	89	9	that	that	SCONJ
framr-4075	89	10	whether	whether	SCONJ
framr-4075	89	11	fintech	fintech	NOUN
framr-4075	89	12	is	be	AUX
framr-4075	89	13	a	a	DET
framr-4075	89	14	curse	curse	NOUN
framr-4075	89	15	or	or	CCONJ
framr-4075	89	16	a	a	DET
framr-4075	89	17	blessing	blessing	NOUN
framr-4075	89	18	in	in	ADP
framr-4075	89	19	terms	term	NOUN
framr-4075	89	20	of	of	ADP
framr-4075	89	21	financial	financial	ADJ
framr-4075	89	22	crime	crime	NOUN
framr-4075	89	23	.	.	PUNCT
framr-4075	90	1	the	the	DET
framr-4075	90	2	study	study	NOUN
framr-4075	90	3	explores	explore	VERB
framr-4075	90	4	the	the	DET
framr-4075	90	5	dual	dual	ADJ
framr-4075	90	6	role	role	NOUN
framr-4075	90	7	of	of	ADP
framr-4075	90	8	fintech	fintech	NOUN
framr-4075	90	9	in	in	ADP
framr-4075	90	10	enabling	enable	VERB
framr-4075	90	11	and	and	CCONJ
framr-4075	90	12	combating	combat	VERB
framr-4075	90	13	financial	financial	ADJ
framr-4075	90	14	crime	crime	NOUN
framr-4075	90	15	.	.	PUNCT
framr-4075	91	1	therefore	therefore	ADV
framr-4075	91	2	,	,	PUNCT
framr-4075	91	3	the	the	DET
framr-4075	91	4	influence	influence	NOUN
framr-4075	91	5	of	of	ADP
framr-4075	91	6	fintech	fintech	NOUN
framr-4075	91	7	on	on	ADP
framr-4075	91	8	the	the	DET
framr-4075	91	9	acceleration	acceleration	NOUN
framr-4075	91	10	and	and	CCONJ
framr-4075	91	11	vulnerability	vulnerability	NOUN
framr-4075	91	12	of	of	ADP
framr-4075	91	13	financial	financial	ADJ
framr-4075	91	14	crime	crime	NOUN
framr-4075	91	15	has	have	AUX
framr-4075	91	16	been	be	AUX
framr-4075	91	17	investigated	investigate	VERB
framr-4075	91	18	that	that	SCONJ
framr-4075	91	19	highlights	highlight	VERB
framr-4075	91	20	the	the	DET
framr-4075	91	21	impact	impact	NOUN
framr-4075	91	22	of	of	ADP
framr-4075	91	23	financial	financial	ADJ
framr-4075	91	24	information	information	NOUN
framr-4075	91	25	technology	technology	NOUN
framr-4075	91	26	on	on	ADP
framr-4075	91	27	the	the	DET
framr-4075	91	28	landscape	landscape	NOUN
framr-4075	91	29	of	of	ADP
framr-4075	91	30	financial	financial	ADJ
framr-4075	91	31	crime	crime	NOUN
framr-4075	91	32	in	in	ADP
framr-4075	91	33	financial	financial	ADJ
framr-4075	91	34	institutes	institute	NOUN
framr-4075	91	35	,	,	PUNCT
framr-4075	91	36	including	include	VERB
framr-4075	91	37	economic	economic	ADJ
framr-4075	91	38	,	,	PUNCT
framr-4075	91	39	operational	operational	ADJ
framr-4075	91	40	,	,	PUNCT
framr-4075	91	41	and	and	CCONJ
framr-4075	91	42	reputational	reputational	ADJ
framr-4075	91	43	aspects	aspect	NOUN
framr-4075	91	44	.	.	PUNCT
framr-4075	92	1	by	by	ADP
framr-4075	92	2	scrutinising	scrutinise	VERB
framr-4075	92	3	several	several	ADJ
framr-4075	92	4	case	case	NOUN
framr-4075	92	5	studies	study	NOUN
framr-4075	92	6	,	,	PUNCT
framr-4075	92	7	the	the	DET
framr-4075	92	8	role	role	NOUN
framr-4075	92	9	of	of	ADP
framr-4075	92	10	fintech	fintech	NOUN
framr-4075	92	11	both	both	CCONJ
framr-4075	92	12	in	in	ADP
framr-4075	92	13	exacerbating	exacerbate	VERB
framr-4075	92	14	and	and	CCONJ
framr-4075	92	15	mitigating	mitigate	VERB
framr-4075	92	16	financial	financial	ADJ
framr-4075	92	17	crime	crime	NOUN
framr-4075	92	18	has	have	AUX
framr-4075	92	19	been	be	AUX
framr-4075	92	20	revealed	reveal	VERB
framr-4075	92	21	.	.	PUNCT
framr-4075	93	1	several	several	ADJ
framr-4075	93	2	technological	technological	ADJ
framr-4075	93	3	innovations	innovation	NOUN
framr-4075	93	4	that	that	PRON
framr-4075	93	5	are	be	AUX
framr-4075	93	6	developed	develop	VERB
framr-4075	93	7	to	to	PART
framr-4075	93	8	ease	ease	VERB
framr-4075	93	9	financial	financial	ADJ
framr-4075	93	10	activities	activity	NOUN
framr-4075	93	11	have	have	AUX
framr-4075	93	12	been	be	AUX
framr-4075	93	13	elucidated	elucidate	VERB
framr-4075	93	14	.	.	PUNCT
framr-4075	94	1	moreover	moreover	ADV
framr-4075	94	2	,	,	PUNCT
framr-4075	94	3	it	it	PRON
framr-4075	94	4	is	be	AUX
framr-4075	94	5	given	give	VERB
framr-4075	94	6	to	to	ADP
framr-4075	94	7	the	the	DET
framr-4075	94	8	fact	fact	NOUN
framr-4075	94	9	that	that	SCONJ
framr-4075	94	10	financial	financial	ADJ
framr-4075	94	11	crime	crime	NOUN
framr-4075	94	12	has	have	AUX
framr-4075	94	13	become	become	VERB
framr-4075	94	14	more	more	ADV
framr-4075	94	15	pervasive	pervasive	ADJ
framr-4075	94	16	with	with	ADP
framr-4075	94	17	the	the	DET
framr-4075	94	18	proliferation	proliferation	NOUN
framr-4075	94	19	of	of	ADP
framr-4075	94	20	financial	financial	ADJ
framr-4075	94	21	technology	technology	NOUN
framr-4075	94	22	;	;	PUNCT
framr-4075	94	23	the	the	DET
framr-4075	94	24	study	study	NOUN
framr-4075	94	25	discloses	disclose	VERB
framr-4075	94	26	current	current	ADJ
framr-4075	94	27	,	,	PUNCT
framr-4075	94	28	emerging	emerge	VERB
framr-4075	94	29	,	,	PUNCT
framr-4075	94	30	and	and	CCONJ
framr-4075	94	31	international	international	ADJ
framr-4075	94	32	financial	financial	ADJ
framr-4075	94	33	risk	risk	NOUN
framr-4075	94	34	and	and	CCONJ
framr-4075	94	35	management	management	NOUN
framr-4075	94	36	reviews	review	NOUN
framr-4075	94	37	,	,	PUNCT
framr-4075	94	38	2025	2025	NUM
framr-4075	94	39	,	,	PUNCT
framr-4075	94	40	11(1	11(1	NUM
framr-4075	94	41	):	):	PUNCT
framr-4075	94	42	1	1	NUM
framr-4075	94	43	-	-	SYM
framr-4075	94	44	36	36	NUM
framr-4075	94	45	4	4	NUM
framr-4075	94	46	©	©	PROPN
framr-4075	94	47	2025	2025	NUM
framr-4075	94	48	conscientia	conscientia	PROPN
framr-4075	94	49	beam	beam	PROPN
framr-4075	94	50	.	.	PUNCT
framr-4075	95	1	all	all	DET
framr-4075	95	2	rights	right	NOUN
framr-4075	95	3	reserved	reserve	VERB
framr-4075	95	4	.	.	PUNCT
framr-4075	96	1	regulatory	regulatory	ADJ
framr-4075	96	2	trends	trend	NOUN
framr-4075	96	3	to	to	PART
framr-4075	96	4	mitigate	mitigate	VERB
framr-4075	96	5	financial	financial	ADJ
framr-4075	96	6	crime	crime	NOUN
framr-4075	96	7	along	along	ADP
framr-4075	96	8	with	with	ADP
framr-4075	96	9	the	the	DET
framr-4075	96	10	method	method	NOUN
framr-4075	96	11	of	of	ADP
framr-4075	96	12	financial	financial	ADJ
framr-4075	96	13	crime	crime	NOUN
framr-4075	96	14	.	.	PUNCT
framr-4075	97	1	analysing	analyse	VERB
framr-4075	97	2	the	the	DET
framr-4075	97	3	method	method	NOUN
framr-4075	97	4	of	of	ADP
framr-4075	97	5	financial	financial	ADJ
framr-4075	97	6	crime	crime	NOUN
framr-4075	97	7	will	will	AUX
framr-4075	97	8	assist	assist	VERB
framr-4075	97	9	potential	potential	ADJ
framr-4075	97	10	academicians	academician	NOUN
framr-4075	97	11	and	and	CCONJ
framr-4075	97	12	businessmen	businessman	NOUN
framr-4075	97	13	to	to	PART
framr-4075	97	14	understand	understand	VERB
framr-4075	97	15	the	the	DET
framr-4075	97	16	context	context	NOUN
framr-4075	97	17	of	of	ADP
framr-4075	97	18	financial	financial	ADJ
framr-4075	97	19	crime	crime	NOUN
framr-4075	97	20	and	and	CCONJ
framr-4075	97	21	how	how	SCONJ
framr-4075	97	22	to	to	PART
framr-4075	97	23	counterfeit	counterfeit	VERB
framr-4075	97	24	it	it	PRON
framr-4075	97	25	with	with	ADP
framr-4075	97	26	the	the	DET
framr-4075	97	27	help	help	NOUN
framr-4075	97	28	of	of	ADP
framr-4075	97	29	novel	novel	ADJ
framr-4075	97	30	innovations	innovation	NOUN
framr-4075	97	31	and	and	CCONJ
framr-4075	97	32	regulation	regulation	NOUN
framr-4075	97	33	.	.	PUNCT
framr-4075	98	1	furthermore	furthermore	ADV
framr-4075	98	2	,	,	PUNCT
framr-4075	98	3	the	the	DET
framr-4075	98	4	study	study	NOUN
framr-4075	98	5	provides	provide	VERB
framr-4075	98	6	a	a	DET
framr-4075	98	7	benefit	benefit	NOUN
framr-4075	98	8	and	and	CCONJ
framr-4075	98	9	risk	risk	VERB
framr-4075	98	10	analysis	analysis	NOUN
framr-4075	98	11	to	to	PART
framr-4075	98	12	provide	provide	VERB
framr-4075	98	13	an	an	DET
framr-4075	98	14	acknowledgement	acknowledgement	NOUN
framr-4075	98	15	of	of	ADP
framr-4075	98	16	multifaceted	multifaceted	ADJ
framr-4075	98	17	technological	technological	ADJ
framr-4075	98	18	advantages	advantage	NOUN
framr-4075	98	19	and	and	CCONJ
framr-4075	98	20	a	a	DET
framr-4075	98	21	balanced	balanced	ADJ
framr-4075	98	22	and	and	CCONJ
framr-4075	98	23	nuanced	nuanced	ADJ
framr-4075	98	24	view	view	NOUN
framr-4075	98	25	of	of	ADP
framr-4075	98	26	the	the	DET
framr-4075	98	27	financial	financial	ADJ
framr-4075	98	28	role	role	NOUN
framr-4075	98	29	.	.	PUNCT
framr-4075	99	1	to	to	PART
framr-4075	99	2	obtain	obtain	VERB
framr-4075	99	3	the	the	DET
framr-4075	99	4	objection	objection	NOUN
framr-4075	99	5	,	,	PUNCT
framr-4075	99	6	in	in	ADP
framr-4075	99	7	our	our	PRON
framr-4075	99	8	study	study	NOUN
framr-4075	99	9	,	,	PUNCT
framr-4075	99	10	we	we	PRON
framr-4075	99	11	demonstrate	demonstrate	VERB
framr-4075	99	12	a	a	DET
framr-4075	99	13	trend	trend	NOUN
framr-4075	99	14	analysis	analysis	NOUN
framr-4075	99	15	and	and	CCONJ
framr-4075	99	16	an	an	DET
framr-4075	99	17	in	in	ADP
framr-4075	99	18	-	-	PUNCT
framr-4075	99	19	depth	depth	NOUN
framr-4075	99	20	analysis	analysis	NOUN
framr-4075	99	21	of	of	ADP
framr-4075	99	22	key	key	ADJ
framr-4075	99	23	technologies	technology	NOUN
framr-4075	99	24	in	in	ADP
framr-4075	99	25	chapter	chapter	NOUN
framr-4075	99	26	2	2	NUM
framr-4075	99	27	.	.	PUNCT
framr-4075	100	1	in	in	ADP
framr-4075	100	2	the	the	DET
framr-4075	100	3	third	third	ADJ
framr-4075	100	4	chapter	chapter	NOUN
framr-4075	100	5	,	,	PUNCT
framr-4075	100	6	we	we	PRON
framr-4075	100	7	apply	apply	VERB
framr-4075	100	8	the	the	DET
framr-4075	100	9	fraud	fraud	NOUN
framr-4075	100	10	triangle	triangle	NOUN
framr-4075	100	11	approach	approach	NOUN
framr-4075	100	12	in	in	ADP
framr-4075	100	13	fraud	fraud	NOUN
framr-4075	100	14	analysis	analysis	NOUN
framr-4075	100	15	and	and	CCONJ
framr-4075	100	16	hence	hence	ADV
framr-4075	100	17	,	,	PUNCT
framr-4075	100	18	the	the	DET
framr-4075	100	19	investigation	investigation	NOUN
framr-4075	100	20	of	of	ADP
framr-4075	100	21	financial	financial	ADJ
framr-4075	100	22	crimes	crime	NOUN
framr-4075	100	23	,	,	PUNCT
framr-4075	100	24	its	its	PRON
framr-4075	100	25	mechanism	mechanism	NOUN
framr-4075	100	26	,	,	PUNCT
framr-4075	100	27	and	and	CCONJ
framr-4075	100	28	the	the	DET
framr-4075	100	29	social	social	ADJ
framr-4075	100	30	impact	impact	NOUN
framr-4075	100	31	is	be	AUX
framr-4075	100	32	shown	show	VERB
framr-4075	100	33	.	.	PUNCT
framr-4075	101	1	along	along	ADP
framr-4075	101	2	with	with	ADP
framr-4075	101	3	the	the	DET
framr-4075	101	4	challenges	challenge	NOUN
framr-4075	101	5	of	of	ADP
framr-4075	101	6	fintech	fintech	NOUN
framr-4075	101	7	,	,	PUNCT
framr-4075	101	8	the	the	DET
framr-4075	101	9	fourth	fourth	ADJ
framr-4075	101	10	chapter	chapter	NOUN
framr-4075	101	11	elucidates	elucidate	VERB
framr-4075	101	12	the	the	DET
framr-4075	101	13	steps	step	NOUN
framr-4075	101	14	of	of	ADP
framr-4075	101	15	fintech	fintech	NOUN
framr-4075	101	16	’s	’s	PART
framr-4075	101	17	crime	crime	NOUN
framr-4075	101	18	prevention	prevention	NOUN
framr-4075	101	19	strategy	strategy	NOUN
framr-4075	101	20	in	in	ADP
framr-4075	101	21	a	a	DET
framr-4075	101	22	theoretical	theoretical	ADJ
framr-4075	101	23	way	way	NOUN
framr-4075	101	24	.	.	PUNCT
framr-4075	102	1	however	however	ADV
framr-4075	102	2	,	,	PUNCT
framr-4075	102	3	the	the	DET
framr-4075	102	4	negative	negative	ADJ
framr-4075	102	5	impact	impact	NOUN
framr-4075	102	6	is	be	AUX
framr-4075	102	7	also	also	ADV
framr-4075	102	8	analysed	analyse	VERB
framr-4075	102	9	in	in	ADP
framr-4075	102	10	the	the	DET
framr-4075	102	11	next	next	ADJ
framr-4075	102	12	chapter	chapter	NOUN
framr-4075	102	13	.	.	PUNCT
framr-4075	103	1	chapter	chapter	NOUN
framr-4075	103	2	7	7	NUM
framr-4075	103	3	manifests	manifest	VERB
framr-4075	103	4	some	some	DET
framr-4075	103	5	cases	case	NOUN
framr-4075	103	6	of	of	ADP
framr-4075	103	7	the	the	DET
framr-4075	103	8	implementation	implementation	NOUN
framr-4075	103	9	of	of	ADP
framr-4075	103	10	the	the	DET
framr-4075	103	11	technology	technology	NOUN
framr-4075	103	12	both	both	PRON
framr-4075	103	13	as	as	ADP
framr-4075	103	14	a	a	DET
framr-4075	103	15	blessing	blessing	NOUN
framr-4075	103	16	and	and	CCONJ
framr-4075	103	17	a	a	DET
framr-4075	103	18	curse	curse	NOUN
framr-4075	103	19	.	.	PUNCT
framr-4075	104	1	next	next	ADV
framr-4075	104	2	,	,	PUNCT
framr-4075	104	3	a	a	DET
framr-4075	104	4	trend	trend	NOUN
framr-4075	104	5	analysis	analysis	NOUN
framr-4075	104	6	of	of	ADP
framr-4075	104	7	the	the	DET
framr-4075	104	8	regulatory	regulatory	ADJ
framr-4075	104	9	framework	framework	NOUN
framr-4075	104	10	for	for	ADP
framr-4075	104	11	governing	govern	VERB
framr-4075	104	12	fintech	fintech	NOUN
framr-4075	104	13	,	,	PUNCT
framr-4075	104	14	financial	financial	ADJ
framr-4075	104	15	crimes	crime	NOUN
framr-4075	104	16	,	,	PUNCT
framr-4075	104	17	and	and	CCONJ
framr-4075	104	18	risks	risk	NOUN
framr-4075	104	19	is	be	AUX
framr-4075	104	20	given	give	VERB
framr-4075	104	21	.	.	PUNCT
framr-4075	105	1	chapter	chapter	NOUN
framr-4075	105	2	8	8	NUM
framr-4075	105	3	is	be	AUX
framr-4075	105	4	about	about	ADP
framr-4075	105	5	the	the	DET
framr-4075	105	6	balancing	balance	VERB
framr-4075	105	7	act	act	NOUN
framr-4075	105	8	between	between	ADP
framr-4075	105	9	financial	financial	ADJ
framr-4075	105	10	benefits	benefit	NOUN
framr-4075	105	11	and	and	CCONJ
framr-4075	105	12	risks	risk	NOUN
framr-4075	105	13	that	that	PRON
framr-4075	105	14	are	be	AUX
framr-4075	105	15	identified	identify	VERB
framr-4075	105	16	.	.	PUNCT
framr-4075	106	1	an	an	DET
framr-4075	106	2	analysis	analysis	NOUN
framr-4075	106	3	of	of	ADP
framr-4075	106	4	the	the	DET
framr-4075	106	5	future	future	ADJ
framr-4075	106	6	outlook	outlook	NOUN
framr-4075	106	7	is	be	AUX
framr-4075	106	8	illustrated	illustrate	VERB
framr-4075	106	9	in	in	ADP
framr-4075	106	10	a	a	DET
framr-4075	106	11	theoretical	theoretical	ADJ
framr-4075	106	12	way	way	NOUN
framr-4075	106	13	in	in	ADP
framr-4075	106	14	chapter	chapter	NOUN
framr-4075	106	15	9	9	NUM
framr-4075	106	16	.	.	PUNCT
framr-4075	107	1	chapters	chapter	NOUN
framr-4075	107	2	10	10	NUM
framr-4075	107	3	and	and	CCONJ
framr-4075	107	4	11	11	NUM
framr-4075	107	5	are	be	AUX
framr-4075	107	6	about	about	ADP
framr-4075	107	7	conclusion	conclusion	NOUN
framr-4075	107	8	and	and	CCONJ
framr-4075	107	9	implications	implication	NOUN
framr-4075	107	10	,	,	PUNCT
framr-4075	107	11	respectively	respectively	ADV
framr-4075	107	12	.	.	PUNCT
framr-4075	108	1	2	2	X
framr-4075	108	2	.	.	X
framr-4075	108	3	the	the	DET
framr-4075	108	4	landscape	landscape	NOUN
framr-4075	108	5	of	of	ADP
framr-4075	108	6	financial	financial	ADJ
framr-4075	108	7	technology	technology	NOUN
framr-4075	108	8	(	(	PUNCT
framr-4075	108	9	fintech	fintech	NOUN
framr-4075	108	10	)	)	PUNCT
framr-4075	108	11	historical	historical	ADJ
framr-4075	108	12	context	context	NOUN
framr-4075	108	13	2.1	2.1	NUM
framr-4075	108	14	.	.	PUNCT
framr-4075	109	1	definition	definition	NOUN
framr-4075	109	2	and	and	CCONJ
framr-4075	109	3	evolution	evolution	NOUN
framr-4075	109	4	of	of	ADP
framr-4075	109	5	financial	financial	ADJ
framr-4075	109	6	technology	technology	NOUN
framr-4075	109	7	the	the	DET
framr-4075	109	8	adaptation	adaptation	NOUN
framr-4075	109	9	of	of	ADP
framr-4075	109	10	digitalisation	digitalisation	NOUN
framr-4075	109	11	in	in	ADP
framr-4075	109	12	the	the	DET
framr-4075	109	13	financial	financial	ADJ
framr-4075	109	14	sector	sector	NOUN
framr-4075	109	15	leads	lead	VERB
framr-4075	109	16	to	to	ADP
framr-4075	109	17	the	the	DET
framr-4075	109	18	path	path	NOUN
framr-4075	109	19	of	of	ADP
framr-4075	109	20	information	information	NOUN
framr-4075	109	21	technology	technology	NOUN
framr-4075	109	22	development	development	NOUN
framr-4075	109	23	,	,	PUNCT
framr-4075	109	24	which	which	PRON
framr-4075	109	25	is	be	AUX
framr-4075	109	26	known	know	VERB
framr-4075	109	27	as	as	ADP
framr-4075	109	28	“	"	PUNCT
framr-4075	109	29	fintech	fintech	NOUN
framr-4075	109	30	”	"	PUNCT
framr-4075	109	31	,	,	PUNCT
framr-4075	109	32	an	an	DET
framr-4075	109	33	it	it	PRON
framr-4075	109	34	-	-	PUNCT
framr-4075	109	35	induced	induce	VERB
framr-4075	109	36	financial	financial	ADJ
framr-4075	109	37	product	product	NOUN
framr-4075	109	38	(	(	PUNCT
framr-4075	109	39	lechman	lechman	NOUN
framr-4075	109	40	&	&	CCONJ
framr-4075	109	41	marszk	marszk	PROPN
framr-4075	109	42	,	,	PUNCT
framr-4075	109	43	2021	2021	NUM
framr-4075	109	44	;	;	PUNCT
framr-4075	109	45	puschmann	puschmann	PROPN
framr-4075	109	46	,	,	PUNCT
framr-4075	109	47	2017	2017	NUM
framr-4075	109	48	)	)	PUNCT
framr-4075	109	49	.	.	PUNCT
framr-4075	110	1	numerous	numerous	ADJ
framr-4075	110	2	it	it	PRON
framr-4075	110	3	-	-	PUNCT
framr-4075	110	4	induced	induce	VERB
framr-4075	110	5	transformation	transformation	NOUN
framr-4075	110	6	drivers	driver	NOUN
framr-4075	110	7	have	have	VERB
framr-4075	110	8	a	a	DET
framr-4075	110	9	significant	significant	ADJ
framr-4075	110	10	influence	influence	NOUN
framr-4075	110	11	.	.	PUNCT
framr-4075	111	1	new	new	ADJ
framr-4075	111	2	models	model	NOUN
framr-4075	111	3	like	like	ADP
framr-4075	111	4	crowdfunding	crowdfunding	NOUN
framr-4075	111	5	and	and	CCONJ
framr-4075	111	6	peerto	peerto	NOUN
framr-4075	111	7	-	-	PUNCT
framr-4075	111	8	peer	peer	NOUN
framr-4075	111	9	investment	investment	NOUN
framr-4075	111	10	accelerate	accelerate	VERB
framr-4075	111	11	the	the	DET
framr-4075	111	12	efficiency	efficiency	NOUN
framr-4075	111	13	of	of	ADP
framr-4075	111	14	information	information	NOUN
framr-4075	111	15	technology	technology	NOUN
framr-4075	111	16	to	to	PART
framr-4075	111	17	ensure	ensure	VERB
framr-4075	111	18	the	the	DET
framr-4075	111	19	quality	quality	NOUN
framr-4075	111	20	of	of	ADP
framr-4075	111	21	financial	financial	ADJ
framr-4075	111	22	services	service	NOUN
framr-4075	111	23	through	through	ADP
framr-4075	111	24	automation	automation	NOUN
framr-4075	111	25	(	(	PUNCT
framr-4075	111	26	gomber	gomber	PROPN
framr-4075	111	27	,	,	PUNCT
framr-4075	111	28	kauffman	kauffman	PROPN
framr-4075	111	29	,	,	PUNCT
framr-4075	111	30	parker	parker	PROPN
framr-4075	111	31	,	,	PUNCT
framr-4075	111	32	&	&	CCONJ
framr-4075	111	33	weber	weber	PROPN
framr-4075	111	34	,	,	PUNCT
framr-4075	111	35	2018	2018	NUM
framr-4075	111	36	)	)	PUNCT
framr-4075	111	37	.	.	PUNCT
framr-4075	112	1	in	in	ADP
framr-4075	112	2	addition	addition	NOUN
framr-4075	112	3	,	,	PUNCT
framr-4075	112	4	the	the	DET
framr-4075	112	5	growth	growth	NOUN
framr-4075	112	6	of	of	ADP
framr-4075	112	7	the	the	DET
framr-4075	112	8	customer	customer	NOUN
framr-4075	112	9	base	base	NOUN
framr-4075	112	10	has	have	AUX
framr-4075	112	11	played	play	VERB
framr-4075	112	12	a	a	DET
framr-4075	112	13	prominent	prominent	ADJ
framr-4075	112	14	role	role	NOUN
framr-4075	112	15	in	in	ADP
framr-4075	112	16	resizing	resize	VERB
framr-4075	112	17	the	the	DET
framr-4075	112	18	channel	channel	NOUN
framr-4075	112	19	management	management	NOUN
framr-4075	112	20	road	road	NOUN
framr-4075	112	21	to	to	ADP
framr-4075	112	22	customers	customer	NOUN
framr-4075	112	23	by	by	ADP
framr-4075	112	24	implementing	implement	VERB
framr-4075	112	25	hybrid	hybrid	ADJ
framr-4075	112	26	client	client	NOUN
framr-4075	112	27	interaction	interaction	NOUN
framr-4075	112	28	(	(	PUNCT
framr-4075	112	29	nüesch	nüesch	ADV
framr-4075	112	30	,	,	PUNCT
framr-4075	112	31	alt	alt	ADJ
framr-4075	112	32	,	,	PUNCT
framr-4075	112	33	&	&	CCONJ
framr-4075	112	34	puschmann	puschmann	PROPN
framr-4075	112	35	,	,	PUNCT
framr-4075	112	36	2015	2015	NUM
framr-4075	112	37	)	)	PUNCT
framr-4075	112	38	.	.	PUNCT
framr-4075	113	1	for	for	ADP
framr-4075	113	2	the	the	DET
framr-4075	113	3	strategic	strategic	ADJ
framr-4075	113	4	importance	importance	NOUN
framr-4075	113	5	of	of	ADP
framr-4075	113	6	fintech	fintech	NOUN
framr-4075	113	7	,	,	PUNCT
framr-4075	113	8	the	the	DET
framr-4075	113	9	cost	cost	NOUN
framr-4075	113	10	of	of	ADP
framr-4075	113	11	it	it	PRON
framr-4075	113	12	is	be	AUX
framr-4075	113	13	the	the	DET
framr-4075	113	14	second	second	ADV
framr-4075	113	15	largest	large	ADJ
framr-4075	113	16	cost	cost	NOUN
framr-4075	113	17	factor	factor	NOUN
framr-4075	113	18	after	after	ADP
framr-4075	113	19	labour	labour	PROPN
framr-4075	113	20	cost	cost	NOUN
framr-4075	113	21	,	,	PUNCT
framr-4075	113	22	which	which	PRON
framr-4075	113	23	is	be	AUX
framr-4075	113	24	approximately	approximately	ADV
framr-4075	113	25	15	15	NUM
framr-4075	113	26	%	%	NOUN
framr-4075	113	27	to	to	PART
framr-4075	113	28	20	20	NUM
framr-4075	113	29	%	%	NOUN
framr-4075	113	30	(	(	PUNCT
framr-4075	113	31	gopalan	gopalan	PROPN
framr-4075	113	32	,	,	PUNCT
framr-4075	113	33	jain	jain	PROPN
framr-4075	113	34	,	,	PUNCT
framr-4075	113	35	kalani	kalani	PROPN
framr-4075	113	36	,	,	PUNCT
framr-4075	113	37	&	&	CCONJ
framr-4075	113	38	tan	tan	PROPN
framr-4075	113	39	,	,	PUNCT
framr-4075	113	40	2012	2012	NUM
framr-4075	113	41	)	)	PUNCT
framr-4075	113	42	.	.	PUNCT
framr-4075	114	1	hence	hence	ADV
framr-4075	114	2	,	,	PUNCT
framr-4075	114	3	the	the	DET
framr-4075	114	4	usage	usage	NOUN
framr-4075	114	5	of	of	ADP
framr-4075	114	6	it	it	PRON
framr-4075	114	7	in	in	ADP
framr-4075	114	8	financial	financial	ADJ
framr-4075	114	9	intermediaries	intermediary	NOUN
framr-4075	114	10	,	,	PUNCT
framr-4075	114	11	banks	bank	NOUN
framr-4075	114	12	,	,	PUNCT
framr-4075	114	13	and	and	CCONJ
framr-4075	114	14	insurance	insurance	NOUN
framr-4075	114	15	companies	company	NOUN
framr-4075	114	16	has	have	VERB
framr-4075	114	17	a	a	DET
framr-4075	114	18	long	long	ADJ
framr-4075	114	19	history	history	NOUN
framr-4075	114	20	.	.	PUNCT
framr-4075	115	1	financial	financial	ADJ
framr-4075	115	2	technology	technology	NOUN
framr-4075	115	3	,	,	PUNCT
framr-4075	115	4	known	know	VERB
framr-4075	115	5	as	as	ADP
framr-4075	115	6	fintech	fintech	NOUN
framr-4075	115	7	,	,	PUNCT
framr-4075	115	8	first	first	ADV
framr-4075	115	9	emerged	emerge	VERB
framr-4075	115	10	at	at	ADP
framr-4075	115	11	the	the	DET
framr-4075	115	12	beginning	beginning	NOUN
framr-4075	115	13	of	of	ADP
framr-4075	115	14	the	the	DET
framr-4075	115	15	1990s	1990	NOUN
framr-4075	115	16	(	(	PUNCT
framr-4075	115	17	hochstein	hochstein	ADJ
framr-4075	115	18	,	,	PUNCT
framr-4075	115	19	2015	2015	NUM
framr-4075	115	20	)	)	PUNCT
framr-4075	115	21	.	.	PUNCT
framr-4075	116	1	according	accord	VERB
framr-4075	116	2	to	to	ADP
framr-4075	116	3	arner	arner	NOUN
framr-4075	116	4	,	,	PUNCT
framr-4075	116	5	barberis	barberi	NOUN
framr-4075	116	6	,	,	PUNCT
framr-4075	116	7	and	and	CCONJ
framr-4075	116	8	buckley	buckley	NOUN
framr-4075	116	9	(	(	PUNCT
framr-4075	116	10	2015	2015	NUM
framr-4075	116	11	)	)	PUNCT
framr-4075	116	12	and	and	CCONJ
framr-4075	116	13	puschmann	puschmann	PRON
framr-4075	116	14	and	and	CCONJ
framr-4075	116	15	alt	alt	ADJ
framr-4075	116	16	(	(	PUNCT
framr-4075	116	17	2016	2016	NUM
framr-4075	116	18	)	)	PUNCT
framr-4075	116	19	the	the	DET
framr-4075	116	20	phases	phase	NOUN
framr-4075	116	21	of	of	ADP
framr-4075	116	22	information	information	NOUN
framr-4075	116	23	technology	technology	NOUN
framr-4075	116	24	development	development	NOUN
framr-4075	116	25	in	in	ADP
framr-4075	116	26	the	the	DET
framr-4075	116	27	financial	financial	ADJ
framr-4075	116	28	sector	sector	NOUN
framr-4075	116	29	are	be	AUX
framr-4075	116	30	sectioned	section	VERB
framr-4075	116	31	into	into	ADP
framr-4075	116	32	three	three	NUM
framr-4075	116	33	areas	area	NOUN
framr-4075	116	34	,	,	PUNCT
framr-4075	116	35	which	which	PRON
framr-4075	116	36	are	be	AUX
framr-4075	116	37	internal	internal	ADJ
framr-4075	116	38	digitalisation	digitalisation	NOUN
framr-4075	116	39	,	,	PUNCT
framr-4075	116	40	provider	provider	NOUN
framr-4075	116	41	-	-	PUNCT
framr-4075	116	42	orientated	orientate	VERB
framr-4075	116	43	digitisation	digitisation	NOUN
framr-4075	116	44	,	,	PUNCT
framr-4075	116	45	and	and	CCONJ
framr-4075	116	46	customer	customer	NOUN
framr-4075	116	47	-	-	PUNCT
framr-4075	116	48	orientated	orientate	VERB
framr-4075	116	49	digitisation	digitisation	NOUN
framr-4075	116	50	.	.	PUNCT
framr-4075	117	1	table	table	NOUN
framr-4075	117	2	1	1	NUM
framr-4075	117	3	.	.	PUNCT
framr-4075	118	1	evolution	evolution	NOUN
framr-4075	118	2	of	of	ADP
framr-4075	118	3	fintech	fintech	NOUN
framr-4075	118	4	technology	technology	NOUN
framr-4075	118	5	.	.	PUNCT
framr-4075	119	1	area	area	NOUN
framr-4075	119	2	internal	internal	ADJ
framr-4075	119	3	digitalization	digitalization	NOUN
framr-4075	119	4	provider	provider	NOUN
framr-4075	119	5	-	-	PUNCT
framr-4075	119	6	oriented	orient	VERB
framr-4075	119	7	digitalization	digitalization	NOUN
framr-4075	119	8	customer	customer	NOUN
framr-4075	119	9	-	-	PUNCT
framr-4075	119	10	oriented	orient	VERB
framr-4075	119	11	digitalization	digitalization	NOUN
framr-4075	119	12	focus	focus	NOUN
framr-4075	119	13	phase	phase	NOUN
framr-4075	119	14	1	1	NUM
framr-4075	119	15	(	(	PUNCT
framr-4075	119	16	until	until	ADP
framr-4075	119	17	1960	1960	NUM
framr-4075	119	18	)	)	PUNCT
framr-4075	119	19	phase	phase	NOUN
framr-4075	119	20	2	2	NUM
framr-4075	119	21	(	(	PUNCT
framr-4075	119	22	1960	1960	NUM
framr-4075	119	23	-	-	SYM
framr-4075	119	24	1980	1980	NUM
framr-4075	119	25	)	)	PUNCT
framr-4075	119	26	phase	phase	NOUN
framr-4075	119	27	3	3	NUM
framr-4075	119	28	(	(	PUNCT
framr-4075	119	29	1980	1980	NUM
framr-4075	119	30	-	-	SYM
framr-4075	119	31	2010	2010	NUM
framr-4075	119	32	)	)	PUNCT
framr-4075	119	33	phase	phase	NOUN
framr-4075	119	34	4	4	NUM
framr-4075	119	35	(	(	PUNCT
framr-4075	119	36	20102020	20102020	NUM
framr-4075	119	37	)	)	PUNCT
framr-4075	119	38	phase	phase	NOUN
framr-4075	119	39	5	5	NUM
framr-4075	119	40	(	(	PUNCT
framr-4075	119	41	from	from	ADP
framr-4075	119	42	2020	2020	NUM
framr-4075	119	43	)	)	PUNCT
framr-4075	119	44	strategy	strategy	NOUN
framr-4075	119	45	customer	customer	NOUN
framr-4075	119	46	channel	channel	NOUN
framr-4075	119	47	characterized	characterize	VERB
framr-4075	119	48	as	as	ADP
framr-4075	119	49	single	single	ADJ
framr-4075	119	50	two	two	NUM
framr-4075	119	51	customer	customer	NOUN
framr-4075	119	52	channels	channel	NOUN
framr-4075	119	53	multiple	multiple	ADJ
framr-4075	119	54	customer	customer	NOUN
framr-4075	119	55	channel	channel	PROPN
framr-4075	119	56	cross	cross	NOUN
framr-4075	119	57	customer	customer	PROPN
framr-4075	119	58	channel	channel	NOUN
framr-4075	119	59	hybrid	hybrid	ADJ
framr-4075	119	60	customer	customer	NOUN
framr-4075	119	61	channel	channel	NOUN
framr-4075	119	62	organization	organization	NOUN
framr-4075	119	63	the	the	DET
framr-4075	119	64	process	process	NOUN
framr-4075	119	65	of	of	ADP
framr-4075	119	66	system	system	NOUN
framr-4075	119	67	back	back	NOUN
framr-4075	119	68	-	-	PUNCT
framr-4075	119	69	office	office	NOUN
framr-4075	119	70	process	process	NOUN
framr-4075	119	71	front	front	ADJ
framr-4075	119	72	-	-	PUNCT
framr-4075	119	73	office	office	NOUN
framr-4075	119	74	process	process	NOUN
framr-4075	119	75	provider	provider	NOUN
framr-4075	119	76	process	process	NOUN
framr-4075	119	77	customer	customer	NOUN
framr-4075	119	78	process	process	NOUN
framr-4075	119	79	system	system	NOUN
framr-4075	119	80	no	no	DET
framr-4075	119	81	system	system	NOUN
framr-4075	119	82	is	be	AUX
framr-4075	119	83	integrated	integrate	VERB
framr-4075	119	84	partially	partially	ADV
framr-4075	119	85	integrated	integrate	VERB
framr-4075	119	86	system	system	NOUN
framr-4075	119	87	internally	internally	ADV
framr-4075	119	88	integrated	integrate	VERB
framr-4075	119	89	system	system	NOUN
framr-4075	119	90	system	system	NOUN
framr-4075	119	91	integrated	integrate	VERB
framr-4075	119	92	with	with	ADP
framr-4075	119	93	external	external	ADJ
framr-4075	119	94	financial	financial	ADJ
framr-4075	119	95	service	service	NOUN
framr-4075	119	96	provider	provider	NOUN
framr-4075	119	97	system	system	NOUN
framr-4075	119	98	integrated	integrate	VERB
framr-4075	119	99	with	with	ADP
framr-4075	119	100	external	external	ADJ
framr-4075	119	101	nonfinancial	nonfinancial	ADJ
framr-4075	119	102	service	service	NOUN
framr-4075	119	103	provider	provider	NOUN
framr-4075	119	104	table	table	NOUN
framr-4075	119	105	1	1	NUM
framr-4075	119	106	represents	represent	VERB
framr-4075	119	107	the	the	DET
framr-4075	119	108	evaluation	evaluation	NOUN
framr-4075	119	109	of	of	ADP
framr-4075	119	110	the	the	DET
framr-4075	119	111	fintech	fintech	NOUN
framr-4075	119	112	covering	cover	VERB
framr-4075	119	113	5	5	NUM
framr-4075	119	114	phases	phase	NOUN
framr-4075	119	115	,	,	PUNCT
framr-4075	119	116	starting	start	VERB
framr-4075	119	117	from	from	ADP
framr-4075	119	118	phase	phase	NOUN
framr-4075	119	119	1	1	NUM
framr-4075	119	120	in	in	ADP
framr-4075	119	121	1960	1960	NUM
framr-4075	119	122	to	to	PART
framr-4075	119	123	phase	phase	VERB
framr-4075	119	124	5	5	NUM
framr-4075	119	125	in	in	ADP
framr-4075	119	126	2020	2020	NUM
framr-4075	119	127	.	.	PUNCT
framr-4075	120	1	for	for	ADP
framr-4075	120	2	each	each	DET
framr-4075	120	3	phase	phase	NOUN
framr-4075	120	4	,	,	PUNCT
framr-4075	120	5	it	it	PRON
framr-4075	120	6	included	include	VERB
framr-4075	120	7	strategy	strategy	NOUN
framr-4075	120	8	,	,	PUNCT
framr-4075	120	9	organisation	organisation	NOUN
framr-4075	120	10	,	,	PUNCT
framr-4075	120	11	and	and	CCONJ
framr-4075	120	12	system	system	NOUN
framr-4075	120	13	.	.	PUNCT
framr-4075	121	1	for	for	ADP
framr-4075	121	2	example	example	NOUN
framr-4075	121	3	,	,	PUNCT
framr-4075	121	4	in	in	ADP
framr-4075	121	5	phase	phase	NOUN
framr-4075	121	6	1	1	NUM
framr-4075	121	7	,	,	PUNCT
framr-4075	121	8	users	user	NOUN
framr-4075	121	9	connections	connection	NOUN
framr-4075	121	10	source	source	NOUN
framr-4075	121	11	:	:	PUNCT
framr-4075	121	12	puschmann	puschmann	PROPN
framr-4075	121	13	and	and	CCONJ
framr-4075	121	14	alt	alt	ADJ
framr-4075	121	15	(	(	PUNCT
framr-4075	121	16	2016	2016	NUM
framr-4075	121	17	)	)	PUNCT
framr-4075	121	18	and	and	CCONJ
framr-4075	121	19	puschmann	puschmann	PROPN
framr-4075	121	20	(	(	PUNCT
framr-4075	121	21	2017	2017	NUM
framr-4075	121	22	)	)	PUNCT
framr-4075	121	23	.	.	PUNCT
framr-4075	122	1	financial	financial	ADJ
framr-4075	122	2	risk	risk	NOUN
framr-4075	122	3	and	and	CCONJ
framr-4075	122	4	management	management	NOUN
framr-4075	122	5	reviews	review	NOUN
framr-4075	122	6	,	,	PUNCT
framr-4075	122	7	2025	2025	NUM
framr-4075	122	8	,	,	PUNCT
framr-4075	122	9	11(1	11(1	NUM
framr-4075	122	10	):	):	PUNCT
framr-4075	122	11	1	1	NUM
framr-4075	122	12	-	-	SYM
framr-4075	122	13	36	36	NUM
framr-4075	122	14	5	5	NUM
framr-4075	122	15	©	©	PROPN
framr-4075	122	16	2025	2025	NUM
framr-4075	122	17	conscientia	conscientia	PROPN
framr-4075	122	18	beam	beam	PROPN
framr-4075	122	19	.	.	PUNCT
framr-4075	123	1	all	all	DET
framr-4075	123	2	rights	right	NOUN
framr-4075	123	3	reserved	reserve	VERB
framr-4075	123	4	.	.	PUNCT
framr-4075	124	1	were	be	AUX
framr-4075	124	2	mainly	mainly	ADV
framr-4075	124	3	restricted	restrict	VERB
framr-4075	124	4	to	to	ADP
framr-4075	124	5	a	a	DET
framr-4075	124	6	single	single	ADJ
framr-4075	124	7	channel	channel	NOUN
framr-4075	124	8	,	,	PUNCT
framr-4075	124	9	and	and	CCONJ
framr-4075	124	10	the	the	DET
framr-4075	124	11	strategy	strategy	NOUN
framr-4075	124	12	was	be	AUX
framr-4075	124	13	just	just	ADV
framr-4075	124	14	data	datum	NOUN
framr-4075	124	15	entry	entry	NOUN
framr-4075	124	16	and	and	CCONJ
framr-4075	124	17	record	record	NOUN
framr-4075	124	18	keeping	keeping	NOUN
framr-4075	124	19	.	.	PUNCT
framr-4075	125	1	and	and	CCONJ
framr-4075	125	2	there	there	PRON
framr-4075	125	3	was	be	VERB
framr-4075	125	4	no	no	DET
framr-4075	125	5	opportunity	opportunity	NOUN
framr-4075	125	6	for	for	ADP
framr-4075	125	7	system	system	NOUN
framr-4075	125	8	integration	integration	NOUN
framr-4075	125	9	.	.	PUNCT
framr-4075	126	1	phase	phase	NOUN
framr-4075	126	2	2	2	NUM
framr-4075	126	3	(	(	PUNCT
framr-4075	126	4	1960	1960	NUM
framr-4075	126	5	-	-	SYM
framr-4075	126	6	1980	1980	NUM
framr-4075	126	7	)	)	PUNCT
framr-4075	126	8	was	be	AUX
framr-4075	126	9	limited	limit	VERB
framr-4075	126	10	to	to	ADP
framr-4075	126	11	two	two	NUM
framr-4075	126	12	customer	customer	NOUN
framr-4075	126	13	channels	channel	NOUN
framr-4075	126	14	,	,	PUNCT
framr-4075	126	15	and	and	CCONJ
framr-4075	126	16	from	from	ADP
framr-4075	126	17	then	then	ADV
framr-4075	126	18	on	on	ADV
framr-4075	126	19	,	,	PUNCT
framr-4075	126	20	tech	tech	NOUN
framr-4075	126	21	-	-	PUNCT
framr-4075	126	22	based	base	VERB
framr-4075	126	23	service	service	NOUN
framr-4075	126	24	increased	increase	VERB
framr-4075	126	25	,	,	PUNCT
framr-4075	126	26	though	though	SCONJ
framr-4075	126	27	the	the	DET
framr-4075	126	28	system	system	NOUN
framr-4075	126	29	was	be	AUX
framr-4075	126	30	shared	share	VERB
framr-4075	126	31	with	with	ADP
framr-4075	126	32	a	a	DET
framr-4075	126	33	few	few	ADJ
framr-4075	126	34	people	people	NOUN
framr-4075	126	35	.	.	PUNCT
framr-4075	127	1	within	within	ADP
framr-4075	127	2	the	the	DET
framr-4075	127	3	phase	phase	NOUN
framr-4075	127	4	3	3	NUM
framr-4075	127	5	,	,	PUNCT
framr-4075	127	6	the	the	DET
framr-4075	127	7	number	number	NOUN
framr-4075	127	8	of	of	ADP
framr-4075	127	9	channels	channel	NOUN
framr-4075	127	10	has	have	AUX
framr-4075	127	11	been	be	AUX
framr-4075	127	12	increased	increase	VERB
framr-4075	127	13	,	,	PUNCT
framr-4075	127	14	and	and	CCONJ
framr-4075	127	15	customers	customer	NOUN
framr-4075	127	16	got	get	VERB
framr-4075	127	17	service	service	NOUN
framr-4075	127	18	through	through	ADP
framr-4075	127	19	online	online	ADJ
framr-4075	127	20	banking	banking	NOUN
framr-4075	127	21	.	.	PUNCT
framr-4075	128	1	in	in	ADP
framr-4075	128	2	phase	phase	NOUN
framr-4075	128	3	4	4	NUM
framr-4075	128	4	,	,	PUNCT
framr-4075	128	5	service	service	NOUN
framr-4075	128	6	providers	provider	NOUN
framr-4075	128	7	offered	offer	VERB
framr-4075	128	8	their	their	PRON
framr-4075	128	9	service	service	NOUN
framr-4075	128	10	to	to	ADP
framr-4075	128	11	the	the	DET
framr-4075	128	12	customers	customer	NOUN
framr-4075	128	13	effortlessly	effortlessly	ADV
framr-4075	128	14	by	by	ADP
framr-4075	128	15	using	use	VERB
framr-4075	128	16	cross	cross	ADJ
framr-4075	128	17	-	-	ADJ
framr-4075	128	18	customer	customer	ADJ
framr-4075	128	19	channels	channel	NOUN
framr-4075	128	20	.	.	PUNCT
framr-4075	129	1	and	and	CCONJ
framr-4075	129	2	currently	currently	ADV
framr-4075	129	3	going	go	VERB
framr-4075	129	4	phase	phase	NOUN
framr-4075	129	5	5	5	NUM
framr-4075	129	6	,	,	PUNCT
framr-4075	129	7	which	which	PRON
framr-4075	129	8	is	be	AUX
framr-4075	129	9	more	more	ADV
framr-4075	129	10	convenient	convenient	ADJ
framr-4075	129	11	by	by	ADP
framr-4075	129	12	using	use	VERB
framr-4075	129	13	hybrid	hybrid	ADJ
framr-4075	129	14	customer	customer	NOUN
framr-4075	129	15	channels	channel	NOUN
framr-4075	129	16	.	.	PUNCT
framr-4075	130	1	2.1.1	2.1.1	X
framr-4075	130	2	.	.	PUNCT
framr-4075	130	3	internal	internal	ADJ
framr-4075	130	4	digitalization	digitalization	NOUN
framr-4075	130	5	the	the	DET
framr-4075	130	6	first	first	ADJ
framr-4075	130	7	three	three	NUM
framr-4075	130	8	phases	phase	NOUN
framr-4075	130	9	are	be	AUX
framr-4075	130	10	considered	consider	VERB
framr-4075	130	11	internal	internal	ADJ
framr-4075	130	12	digitalisation	digitalisation	NOUN
framr-4075	130	13	,	,	PUNCT
framr-4075	130	14	where	where	SCONJ
framr-4075	130	15	internal	internal	ADJ
framr-4075	130	16	processes	process	NOUN
framr-4075	130	17	like	like	ADP
framr-4075	130	18	payment	payment	NOUN
framr-4075	130	19	method	method	NOUN
framr-4075	130	20	and	and	CCONJ
framr-4075	130	21	transaction	transaction	NOUN
framr-4075	130	22	recording	recording	NOUN
framr-4075	130	23	are	be	AUX
framr-4075	130	24	concerned	concern	VERB
framr-4075	130	25	.	.	PUNCT
framr-4075	131	1	at	at	ADP
framr-4075	131	2	first	first	ADV
framr-4075	131	3	,	,	PUNCT
framr-4075	131	4	in	in	ADP
framr-4075	131	5	banks	bank	NOUN
framr-4075	131	6	and	and	CCONJ
framr-4075	131	7	financial	financial	ADJ
framr-4075	131	8	institutes	institute	NOUN
framr-4075	131	9	,	,	PUNCT
framr-4075	131	10	a	a	DET
framr-4075	131	11	single	single	ADJ
framr-4075	131	12	channel	channel	NOUN
framr-4075	131	13	characteristic	characteristic	NOUN
framr-4075	131	14	is	be	AUX
framr-4075	131	15	implemented	implement	VERB
framr-4075	131	16	,	,	PUNCT
framr-4075	131	17	which	which	PRON
framr-4075	131	18	develops	develop	VERB
framr-4075	131	19	into	into	ADP
framr-4075	131	20	two	two	NUM
framr-4075	131	21	customer	customer	NOUN
framr-4075	131	22	channels	channel	NOUN
framr-4075	131	23	and	and	CCONJ
framr-4075	131	24	a	a	DET
framr-4075	131	25	front	front	ADJ
framr-4075	131	26	-	-	PUNCT
framr-4075	131	27	office	office	NOUN
framr-4075	131	28	process	process	NOUN
framr-4075	131	29	.	.	PUNCT
framr-4075	132	1	in	in	ADP
framr-4075	132	2	the	the	DET
framr-4075	132	3	third	third	ADJ
framr-4075	132	4	phase	phase	NOUN
framr-4075	132	5	,	,	PUNCT
framr-4075	132	6	a	a	DET
framr-4075	132	7	multiplechannel	multiplechannel	NOUN
framr-4075	132	8	approach	approach	NOUN
framr-4075	132	9	is	be	AUX
framr-4075	132	10	implemented	implement	VERB
framr-4075	132	11	(	(	PUNCT
framr-4075	132	12	gomber	gomber	PROPN
framr-4075	132	13	,	,	PUNCT
framr-4075	132	14	koch	koch	PROPN
framr-4075	132	15	,	,	PUNCT
framr-4075	132	16	&	&	CCONJ
framr-4075	132	17	siering	siering	PROPN
framr-4075	132	18	,	,	PUNCT
framr-4075	132	19	2017	2017	NUM
framr-4075	132	20	;	;	PUNCT
framr-4075	132	21	matt	matt	PROPN
framr-4075	132	22	,	,	PUNCT
framr-4075	132	23	hess	hess	PROPN
framr-4075	132	24	,	,	PUNCT
framr-4075	132	25	&	&	CCONJ
framr-4075	132	26	benlian	benlian	PROPN
framr-4075	132	27	,	,	PUNCT
framr-4075	132	28	2015	2015	NUM
framr-4075	132	29	;	;	PUNCT
framr-4075	132	30	puschmann	puschmann	PROPN
framr-4075	132	31	,	,	PUNCT
framr-4075	132	32	2017	2017	NUM
framr-4075	132	33	)	)	PUNCT
framr-4075	132	34	.	.	PUNCT
framr-4075	133	1	provider	provider	NOUN
framr-4075	133	2	-	-	PUNCT
framr-4075	133	3	orientated	orientate	VERB
framr-4075	133	4	digitalisation	digitalisation	NOUN
framr-4075	134	1	:	:	PUNCT
framr-4075	134	2	in	in	ADP
framr-4075	134	3	this	this	DET
framr-4075	134	4	phase	phase	NOUN
framr-4075	134	5	,	,	PUNCT
framr-4075	134	6	to	to	PART
framr-4075	134	7	ensure	ensure	VERB
framr-4075	134	8	a	a	DET
framr-4075	134	9	minimum	minimum	NOUN
framr-4075	134	10	degree	degree	NOUN
framr-4075	134	11	of	of	ADP
framr-4075	134	12	in	in	ADP
framr-4075	134	13	-	-	PUNCT
framr-4075	134	14	house	house	NOUN
framr-4075	134	15	production	production	NOUN
framr-4075	134	16	,	,	PUNCT
framr-4075	134	17	integration	integration	NOUN
framr-4075	134	18	of	of	ADP
framr-4075	134	19	the	the	DET
framr-4075	134	20	process	process	NOUN
framr-4075	134	21	is	be	AUX
framr-4075	134	22	focused	focus	VERB
framr-4075	134	23	.	.	PUNCT
framr-4075	135	1	reduction	reduction	NOUN
framr-4075	135	2	of	of	ADP
framr-4075	135	3	in	in	ADP
framr-4075	135	4	-	-	PUNCT
framr-4075	135	5	house	house	NOUN
framr-4075	135	6	production	production	NOUN
framr-4075	135	7	enhances	enhance	VERB
framr-4075	135	8	efficiency	efficiency	NOUN
framr-4075	135	9	and	and	CCONJ
framr-4075	135	10	streamlines	streamline	NOUN
framr-4075	135	11	operations	operation	NOUN
framr-4075	135	12	(	(	PUNCT
framr-4075	135	13	bharadwaj	bharadwaj	PROPN
framr-4075	135	14	,	,	PUNCT
framr-4075	135	15	el	el	PROPN
framr-4075	135	16	sawy	sawy	PROPN
framr-4075	135	17	,	,	PUNCT
framr-4075	135	18	pavlou	pavlou	PROPN
framr-4075	135	19	,	,	PUNCT
framr-4075	135	20	&	&	CCONJ
framr-4075	135	21	venkatraman	venkatraman	NOUN
framr-4075	135	22	,	,	PUNCT
framr-4075	135	23	2013	2013	NUM
framr-4075	135	24	)	)	PUNCT
framr-4075	135	25	.	.	PUNCT
framr-4075	136	1	the	the	DET
framr-4075	136	2	services	service	NOUN
framr-4075	136	3	started	start	VERB
framr-4075	136	4	from	from	ADP
framr-4075	136	5	support	support	NOUN
framr-4075	136	6	areas	area	NOUN
framr-4075	136	7	like	like	ADP
framr-4075	136	8	it	it	PRON
framr-4075	136	9	services	service	NOUN
framr-4075	136	10	(	(	PUNCT
framr-4075	136	11	foundations	foundation	NOUN
framr-4075	136	12	of	of	ADP
framr-4075	136	13	back	back	ADJ
framr-4075	136	14	-	-	PUNCT
framr-4075	136	15	office	office	NOUN
framr-4075	136	16	operations	operation	NOUN
framr-4075	136	17	)	)	PUNCT
framr-4075	136	18	,	,	PUNCT
framr-4075	136	19	which	which	PRON
framr-4075	136	20	reached	reach	VERB
framr-4075	136	21	back	back	ADJ
framr-4075	136	22	-	-	PUNCT
framr-4075	136	23	office	office	NOUN
framr-4075	136	24	areas	area	NOUN
framr-4075	136	25	like	like	ADP
framr-4075	136	26	payment	payment	NOUN
framr-4075	136	27	methods	method	NOUN
framr-4075	136	28	,	,	PUNCT
framr-4075	136	29	transactions	transaction	NOUN
framr-4075	136	30	,	,	PUNCT
framr-4075	136	31	and	and	CCONJ
framr-4075	136	32	bank	bank	NOUN
framr-4075	136	33	accounts	account	NOUN
framr-4075	136	34	(	(	PUNCT
framr-4075	136	35	gozman	gozman	NOUN
framr-4075	136	36	,	,	PUNCT
framr-4075	136	37	liebenau	liebenau	NOUN
framr-4075	136	38	,	,	PUNCT
framr-4075	136	39	&	&	CCONJ
framr-4075	136	40	mangan	mangan	PROPN
framr-4075	136	41	,	,	PUNCT
framr-4075	136	42	2018	2018	NUM
framr-4075	136	43	)	)	PUNCT
framr-4075	136	44	.	.	PUNCT
framr-4075	137	1	a	a	DET
framr-4075	137	2	standardised	standardised	ADJ
framr-4075	137	3	process	process	NOUN
framr-4075	137	4	and	and	CCONJ
framr-4075	137	5	application	application	NOUN
framr-4075	137	6	functions	function	NOUN
framr-4075	137	7	are	be	AUX
framr-4075	137	8	prime	prime	ADJ
framr-4075	137	9	concerns	concern	NOUN
framr-4075	137	10	in	in	ADP
framr-4075	137	11	reshaping	reshape	VERB
framr-4075	137	12	the	the	DET
framr-4075	137	13	functions	function	NOUN
framr-4075	137	14	of	of	ADP
framr-4075	137	15	financial	financial	ADJ
framr-4075	137	16	institutes	institute	NOUN
framr-4075	137	17	and	and	CCONJ
framr-4075	137	18	implementing	implement	VERB
framr-4075	137	19	digital	digital	ADJ
framr-4075	137	20	transformation	transformation	NOUN
framr-4075	137	21	strategy	strategy	NOUN
framr-4075	137	22	(	(	PUNCT
framr-4075	137	23	matt	matt	PROPN
framr-4075	137	24	et	et	PROPN
framr-4075	137	25	al	al	PROPN
framr-4075	137	26	.	.	PROPN
framr-4075	137	27	,	,	PUNCT
framr-4075	137	28	2015	2015	NUM
framr-4075	137	29	)	)	PUNCT
framr-4075	137	30	.	.	PUNCT
framr-4075	138	1	2.1.2	2.1.2	X
framr-4075	138	2	.	.	X
framr-4075	138	3	customer	customer	NOUN
framr-4075	138	4	-	-	PUNCT
framr-4075	138	5	oriented	orient	VERB
framr-4075	138	6	digitalization	digitalization	NOUN
framr-4075	138	7	the	the	DET
framr-4075	138	8	functions	function	NOUN
framr-4075	138	9	of	of	ADP
framr-4075	138	10	this	this	DET
framr-4075	138	11	phase	phase	NOUN
framr-4075	138	12	are	be	AUX
framr-4075	138	13	centred	centre	VERB
framr-4075	138	14	around	around	ADP
framr-4075	138	15	customers	customer	NOUN
framr-4075	138	16	.	.	PUNCT
framr-4075	139	1	the	the	DET
framr-4075	139	2	hybrid	hybrid	ADJ
framr-4075	139	3	customer	customer	NOUN
framr-4075	139	4	channel	channel	NOUN
framr-4075	139	5	(	(	PUNCT
framr-4075	139	6	a	a	DET
framr-4075	139	7	broader	broad	ADJ
framr-4075	139	8	perspective	perspective	NOUN
framr-4075	139	9	of	of	ADP
framr-4075	139	10	the	the	DET
framr-4075	139	11	channel	channel	NOUN
framr-4075	139	12	)	)	PUNCT
framr-4075	139	13	and	and	CCONJ
framr-4075	139	14	customer	customer	NOUN
framr-4075	139	15	process	process	NOUN
framr-4075	139	16	are	be	AUX
framr-4075	139	17	the	the	DET
framr-4075	139	18	centre	centre	NOUN
framr-4075	139	19	for	for	ADP
framr-4075	139	20	the	the	DET
framr-4075	139	21	design	design	NOUN
framr-4075	139	22	of	of	ADP
framr-4075	139	23	financial	financial	ADJ
framr-4075	139	24	products	product	NOUN
framr-4075	139	25	and	and	CCONJ
framr-4075	139	26	services	service	NOUN
framr-4075	139	27	,	,	PUNCT
framr-4075	139	28	like	like	ADP
framr-4075	139	29	a	a	DET
framr-4075	139	30	peer	peer	NOUN
framr-4075	139	31	-	-	PUNCT
framr-4075	139	32	topeer	topeer	NOUN
framr-4075	139	33	model	model	NOUN
framr-4075	139	34	,	,	PUNCT
framr-4075	139	35	and	and	CCONJ
framr-4075	139	36	the	the	DET
framr-4075	139	37	development	development	NOUN
framr-4075	139	38	of	of	ADP
framr-4075	139	39	non	non	ADJ
framr-4075	139	40	-	-	ADJ
framr-4075	139	41	financial	financial	ADJ
framr-4075	139	42	service	service	NOUN
framr-4075	139	43	providers	provider	NOUN
framr-4075	139	44	to	to	PART
framr-4075	139	45	enhance	enhance	VERB
framr-4075	139	46	customer	customer	NOUN
framr-4075	139	47	satisfaction	satisfaction	NOUN
framr-4075	139	48	and	and	CCONJ
framr-4075	139	49	experience	experience	NOUN
framr-4075	139	50	(	(	PUNCT
framr-4075	139	51	verhoef	verhoef	NOUN
framr-4075	139	52	,	,	PUNCT
framr-4075	139	53	kannan	kannan	PROPN
framr-4075	139	54	,	,	PUNCT
framr-4075	139	55	&	&	CCONJ
framr-4075	139	56	inman	inman	PROPN
framr-4075	139	57	,	,	PUNCT
framr-4075	139	58	2015	2015	NUM
framr-4075	139	59	)	)	PUNCT
framr-4075	139	60	.	.	PUNCT
framr-4075	140	1	therefore	therefore	ADV
framr-4075	140	2	,	,	PUNCT
framr-4075	140	3	optimisation	optimisation	NOUN
framr-4075	140	4	of	of	ADP
framr-4075	140	5	customer	customer	NOUN
framr-4075	140	6	process	process	NOUN
framr-4075	140	7	will	will	AUX
framr-4075	140	8	enhance	enhance	VERB
framr-4075	140	9	the	the	DET
framr-4075	140	10	financial	financial	ADJ
framr-4075	140	11	product	product	NOUN
framr-4075	140	12	and	and	CCONJ
framr-4075	140	13	service	service	NOUN
framr-4075	140	14	delivery	delivery	NOUN
framr-4075	140	15	(	(	PUNCT
framr-4075	140	16	matt	matt	PROPN
framr-4075	140	17	et	et	PROPN
framr-4075	140	18	al	al	PROPN
framr-4075	140	19	.	.	PROPN
framr-4075	140	20	,	,	PUNCT
framr-4075	140	21	2015	2015	NUM
framr-4075	140	22	)	)	PUNCT
framr-4075	140	23	.	.	PUNCT
framr-4075	141	1	2.2	2.2	NUM
framr-4075	141	2	.	.	PUNCT
framr-4075	142	1	key	key	ADJ
framr-4075	142	2	technologies	technology	NOUN
framr-4075	142	3	of	of	ADP
framr-4075	142	4	fintech	fintech	NOUN
framr-4075	142	5	2.2.1	2.2.1	NUM
framr-4075	142	6	.	.	PUNCT
framr-4075	143	1	blockchain	blockchain	NOUN
framr-4075	143	2	and	and	CCONJ
framr-4075	143	3	distributed	distribute	VERB
framr-4075	143	4	ledger	ledger	NOUN
framr-4075	143	5	technology	technology	NOUN
framr-4075	143	6	the	the	DET
framr-4075	143	7	empowerment	empowerment	NOUN
framr-4075	143	8	of	of	ADP
framr-4075	143	9	public	public	ADJ
framr-4075	143	10	and	and	CCONJ
framr-4075	143	11	private	private	ADJ
framr-4075	143	12	sector	sector	NOUN
framr-4075	143	13	computing	computing	NOUN
framr-4075	143	14	applications	application	NOUN
framr-4075	143	15	has	have	AUX
framr-4075	143	16	been	be	AUX
framr-4075	143	17	ensured	ensure	VERB
framr-4075	143	18	through	through	ADP
framr-4075	143	19	the	the	DET
framr-4075	143	20	implementation	implementation	NOUN
framr-4075	143	21	of	of	ADP
framr-4075	143	22	blockchain	blockchain	PROPN
framr-4075	143	23	technology	technology	PROPN
framr-4075	143	24	.	.	PUNCT
framr-4075	144	1	here	here	ADV
framr-4075	144	2	,	,	PUNCT
framr-4075	144	3	with	with	ADP
framr-4075	144	4	the	the	DET
framr-4075	144	5	validation	validation	NOUN
framr-4075	144	6	of	of	ADP
framr-4075	144	7	multiple	multiple	ADJ
framr-4075	144	8	nodes	node	NOUN
framr-4075	144	9	,	,	PUNCT
framr-4075	144	10	the	the	DET
framr-4075	144	11	technology	technology	NOUN
framr-4075	144	12	complies	comply	VERB
framr-4075	144	13	with	with	ADP
framr-4075	144	14	the	the	DET
framr-4075	144	15	cryptographic	cryptographic	ADJ
framr-4075	144	16	audit	audit	NOUN
framr-4075	144	17	trail	trail	NOUN
framr-4075	144	18	in	in	ADP
framr-4075	144	19	a	a	DET
framr-4075	144	20	distributed	distribute	VERB
framr-4075	144	21	audit	audit	NOUN
framr-4075	144	22	trail	trail	NOUN
framr-4075	144	23	.	.	PUNCT
framr-4075	145	1	in	in	ADP
framr-4075	145	2	addition	addition	NOUN
framr-4075	145	3	,	,	PUNCT
framr-4075	145	4	determining	determine	VERB
framr-4075	145	5	assets	asset	NOUN
framr-4075	145	6	and	and	CCONJ
framr-4075	145	7	agreements	agreement	NOUN
framr-4075	145	8	through	through	ADP
framr-4075	145	9	the	the	DET
framr-4075	145	10	application	application	NOUN
framr-4075	145	11	of	of	ADP
framr-4075	145	12	a	a	DET
framr-4075	145	13	common	common	ADJ
framr-4075	145	14	protocol	protocol	NOUN
framr-4075	145	15	reduces	reduce	VERB
framr-4075	145	16	many	many	ADJ
framr-4075	145	17	third	third	ADJ
framr-4075	145	18	-	-	PUNCT
framr-4075	145	19	party	party	NOUN
framr-4075	145	20	verification	verification	NOUN
framr-4075	145	21	processes	process	NOUN
framr-4075	145	22	(	(	PUNCT
framr-4075	145	23	treleaven	treleaven	ADJ
framr-4075	145	24	,	,	PUNCT
framr-4075	145	25	brown	brown	ADJ
framr-4075	145	26	,	,	PUNCT
framr-4075	145	27	&	&	CCONJ
framr-4075	145	28	yang	yang	PROPN
framr-4075	145	29	,	,	PUNCT
framr-4075	145	30	2017	2017	NUM
framr-4075	145	31	)	)	PUNCT
framr-4075	145	32	.	.	PUNCT
framr-4075	146	1	a	a	DET
framr-4075	146	2	distributed	distribute	VERB
framr-4075	146	3	ledger	ledger	NOUN
framr-4075	146	4	is	be	AUX
framr-4075	146	5	recognised	recognise	VERB
framr-4075	146	6	as	as	ADP
framr-4075	146	7	a	a	DET
framr-4075	146	8	decentralised	decentralised	ADJ
framr-4075	146	9	system	system	NOUN
framr-4075	146	10	,	,	PUNCT
framr-4075	146	11	secured	secure	VERB
framr-4075	146	12	through	through	ADP
framr-4075	146	13	a	a	DET
framr-4075	146	14	cryptographic	cryptographic	ADJ
framr-4075	146	15	method	method	NOUN
framr-4075	146	16	that	that	PRON
framr-4075	146	17	shares	share	NOUN
framr-4075	146	18	,	,	PUNCT
framr-4075	146	19	replicates	replicate	NOUN
framr-4075	146	20	,	,	PUNCT
framr-4075	146	21	and	and	CCONJ
framr-4075	146	22	synchronises	synchronise	VERB
framr-4075	146	23	the	the	DET
framr-4075	146	24	transaction	transaction	NOUN
framr-4075	146	25	records	record	NOUN
framr-4075	146	26	to	to	ADP
framr-4075	146	27	parties	party	NOUN
framr-4075	146	28	(	(	PUNCT
framr-4075	146	29	antal	antal	PROPN
framr-4075	146	30	,	,	PUNCT
framr-4075	146	31	cioara	cioara	PROPN
framr-4075	146	32	,	,	PUNCT
framr-4075	146	33	anghel	anghel	PROPN
framr-4075	146	34	,	,	PUNCT
framr-4075	146	35	antal	antal	PROPN
framr-4075	146	36	,	,	PUNCT
framr-4075	146	37	&	&	CCONJ
framr-4075	146	38	salomie	salomie	PROPN
framr-4075	146	39	,	,	PUNCT
framr-4075	146	40	2021	2021	NUM
framr-4075	146	41	)	)	PUNCT
framr-4075	146	42	.	.	PUNCT
framr-4075	147	1	2.2.2	2.2.2	X
framr-4075	147	2	.	.	PUNCT
framr-4075	147	3	artificial	artificial	ADJ
framr-4075	147	4	intelligence	intelligence	NOUN
framr-4075	147	5	and	and	CCONJ
framr-4075	147	6	machine	machine	NOUN
framr-4075	147	7	learning	learn	VERB
framr-4075	147	8	investment	investment	NOUN
framr-4075	147	9	decisions	decision	NOUN
framr-4075	147	10	,	,	PUNCT
framr-4075	147	11	taken	take	VERB
framr-4075	147	12	by	by	ADP
framr-4075	147	13	discretionary	discretionary	ADJ
framr-4075	147	14	portfolio	portfolio	NOUN
framr-4075	147	15	managers	manager	NOUN
framr-4075	147	16	,	,	PUNCT
framr-4075	147	17	have	have	AUX
framr-4075	147	18	been	be	AUX
framr-4075	147	19	taken	take	VERB
framr-4075	147	20	on	on	ADP
framr-4075	147	21	the	the	DET
framr-4075	147	22	basis	basis	NOUN
framr-4075	147	23	of	of	ADP
framr-4075	147	24	raw	raw	ADJ
framr-4075	147	25	information	information	NOUN
framr-4075	147	26	or	or	CCONJ
framr-4075	147	27	intuition	intuition	NOUN
framr-4075	147	28	for	for	ADP
framr-4075	147	29	which	which	PRON
framr-4075	147	30	the	the	DET
framr-4075	147	31	degree	degree	NOUN
framr-4075	147	32	of	of	ADP
framr-4075	147	33	failure	failure	NOUN
framr-4075	147	34	in	in	ADP
framr-4075	147	35	quantitative	quantitative	ADJ
framr-4075	147	36	finance	finance	NOUN
framr-4075	147	37	is	be	AUX
framr-4075	147	38	higher	high	ADJ
framr-4075	147	39	.	.	PUNCT
framr-4075	148	1	therefore	therefore	ADV
framr-4075	148	2	,	,	PUNCT
framr-4075	148	3	machine	machine	NOUN
framr-4075	148	4	learning	learning	NOUN
framr-4075	148	5	in	in	ADP
framr-4075	148	6	constructing	construct	VERB
framr-4075	148	7	financial	financial	ADJ
framr-4075	148	8	decisions	decision	NOUN
framr-4075	148	9	plays	play	VERB
framr-4075	148	10	a	a	DET
framr-4075	148	11	prominent	prominent	ADJ
framr-4075	148	12	role	role	NOUN
framr-4075	148	13	.	.	PUNCT
framr-4075	149	1	there	there	PRON
framr-4075	149	2	are	be	VERB
framr-4075	149	3	data	datum	NOUN
framr-4075	149	4	curators	curator	NOUN
framr-4075	149	5	who	who	PRON
framr-4075	149	6	are	be	AUX
framr-4075	149	7	responsible	responsible	ADJ
framr-4075	149	8	for	for	ADP
framr-4075	149	9	collecting	collecting	NOUN
framr-4075	149	10	,	,	PUNCT
framr-4075	149	11	indexing	indexing	NOUN
framr-4075	149	12	,	,	PUNCT
framr-4075	149	13	and	and	CCONJ
framr-4075	149	14	storing	store	VERB
framr-4075	149	15	data	datum	NOUN
framr-4075	149	16	,	,	PUNCT
framr-4075	149	17	and	and	CCONJ
framr-4075	149	18	also	also	ADV
framr-4075	149	19	,	,	PUNCT
framr-4075	149	20	the	the	DET
framr-4075	149	21	data	data	NOUN
framr-4075	149	22	is	be	AUX
framr-4075	149	23	aligned	align	VERB
framr-4075	149	24	in	in	ADP
framr-4075	149	25	a	a	DET
framr-4075	149	26	tabulated	tabulate	VERB
framr-4075	149	27	or	or	CCONJ
framr-4075	149	28	hierarchical	hierarchical	ADJ
framr-4075	149	29	manner	manner	NOUN
framr-4075	149	30	.	.	PUNCT
framr-4075	150	1	furthermore	furthermore	ADV
framr-4075	150	2	,	,	PUNCT
framr-4075	150	3	this	this	DET
framr-4075	150	4	fintech	fintech	NOUN
framr-4075	150	5	technology	technology	NOUN
framr-4075	150	6	is	be	AUX
framr-4075	150	7	implemented	implement	VERB
framr-4075	150	8	in	in	ADP
framr-4075	150	9	algorithm	algorithm	NOUN
framr-4075	150	10	trading	trading	NOUN
framr-4075	150	11	,	,	PUNCT
framr-4075	150	12	fraud	fraud	NOUN
framr-4075	150	13	detection	detection	NOUN
framr-4075	150	14	,	,	PUNCT
framr-4075	150	15	risk	risk	NOUN
framr-4075	150	16	management	management	NOUN
framr-4075	150	17	,	,	PUNCT
framr-4075	150	18	and	and	CCONJ
framr-4075	150	19	so	so	ADV
framr-4075	150	20	on	on	ADP
framr-4075	150	21	(	(	PUNCT
framr-4075	150	22	de	de	X
framr-4075	150	23	prado	prado	PROPN
framr-4075	150	24	,	,	PUNCT
framr-4075	150	25	2018	2018	NUM
framr-4075	150	26	;	;	PUNCT
framr-4075	150	27	kulkarni	kulkarni	PROPN
framr-4075	150	28	,	,	PUNCT
framr-4075	150	29	2023	2023	NUM
framr-4075	150	30	)	)	PUNCT
framr-4075	150	31	.	.	PUNCT
framr-4075	151	1	financial	financial	ADJ
framr-4075	151	2	risk	risk	NOUN
framr-4075	151	3	and	and	CCONJ
framr-4075	151	4	management	management	NOUN
framr-4075	151	5	reviews	review	NOUN
framr-4075	151	6	,	,	PUNCT
framr-4075	151	7	2025	2025	NUM
framr-4075	151	8	,	,	PUNCT
framr-4075	151	9	11(1	11(1	NUM
framr-4075	151	10	):	):	PUNCT
framr-4075	151	11	1	1	NUM
framr-4075	151	12	-	-	SYM
framr-4075	151	13	36	36	NUM
framr-4075	151	14	6	6	NUM
framr-4075	151	15	©	©	PROPN
framr-4075	151	16	2025	2025	NUM
framr-4075	151	17	conscientia	conscientia	PROPN
framr-4075	151	18	beam	beam	PROPN
framr-4075	151	19	.	.	PUNCT
framr-4075	152	1	all	all	DET
framr-4075	152	2	rights	right	NOUN
framr-4075	152	3	reserved	reserve	VERB
framr-4075	152	4	.	.	PUNCT
framr-4075	153	1	2.2.3	2.2.3	X
framr-4075	153	2	.	.	X
framr-4075	153	3	robo	robo	NOUN
framr-4075	153	4	-	-	PUNCT
framr-4075	153	5	advisor	advisor	NOUN
framr-4075	153	6	and	and	CCONJ
framr-4075	153	7	automated	automate	VERB
framr-4075	153	8	financial	financial	ADJ
framr-4075	153	9	planning	planning	NOUN
framr-4075	153	10	in	in	ADP
framr-4075	153	11	sironi	sironi	PROPN
framr-4075	153	12	(	(	PUNCT
framr-4075	153	13	2016	2016	NUM
framr-4075	153	14	)	)	PUNCT
framr-4075	153	15	the	the	DET
framr-4075	153	16	collaboration	collaboration	NOUN
framr-4075	153	17	between	between	ADP
framr-4075	153	18	finance	finance	NOUN
framr-4075	153	19	and	and	CCONJ
framr-4075	153	20	technology	technology	NOUN
framr-4075	153	21	is	be	AUX
framr-4075	153	22	elucidated	elucidate	VERB
framr-4075	153	23	with	with	ADP
framr-4075	153	24	the	the	DET
framr-4075	153	25	term	term	NOUN
framr-4075	153	26	“	"	PUNCT
framr-4075	153	27	financial	financial	ADJ
framr-4075	153	28	technology	technology	NOUN
framr-4075	153	29	companies	company	NOUN
framr-4075	153	30	.	.	PUNCT
framr-4075	153	31	”	"	PUNCT
framr-4075	153	32	.	.	PUNCT
framr-4075	154	1	here	here	ADV
framr-4075	154	2	,	,	PUNCT
framr-4075	154	3	in	in	ADP
framr-4075	154	4	this	this	DET
framr-4075	154	5	section	section	NOUN
framr-4075	154	6	,	,	PUNCT
framr-4075	154	7	robo	robo	NOUN
framr-4075	154	8	-	-	PUNCT
framr-4075	154	9	advisor	advisor	NOUN
framr-4075	154	10	has	have	VERB
framr-4075	154	11	a	a	DET
framr-4075	154	12	significant	significant	ADJ
framr-4075	154	13	influence	influence	NOUN
framr-4075	154	14	in	in	ADP
framr-4075	154	15	reshaping	reshape	VERB
framr-4075	154	16	goal	goal	NOUN
framr-4075	154	17	-	-	PUNCT
framr-4075	154	18	based	base	VERB
framr-4075	154	19	behaviour	behaviour	NOUN
framr-4075	154	20	by	by	ADP
framr-4075	154	21	turning	turn	VERB
framr-4075	154	22	it	it	PRON
framr-4075	154	23	into	into	ADP
framr-4075	154	24	goal	goal	NOUN
framr-4075	154	25	-	-	PUNCT
framr-4075	154	26	based	base	VERB
framr-4075	154	27	,	,	PUNCT
framr-4075	154	28	cost	cost	NOUN
framr-4075	154	29	-	-	PUNCT
framr-4075	154	30	effective	effective	ADJ
framr-4075	154	31	decision	decision	NOUN
framr-4075	154	32	-	-	PUNCT
framr-4075	154	33	making	making	NOUN
framr-4075	154	34	(	(	PUNCT
framr-4075	154	35	koistinen	koistinen	NOUN
framr-4075	154	36	,	,	PUNCT
framr-4075	154	37	2023	2023	NUM
framr-4075	154	38	)	)	PUNCT
framr-4075	154	39	.	.	PUNCT
framr-4075	155	1	this	this	DET
framr-4075	155	2	automated	automate	VERB
framr-4075	155	3	investment	investment	NOUN
framr-4075	155	4	solution	solution	NOUN
framr-4075	155	5	-	-	PUNCT
framr-4075	155	6	making	make	VERB
framr-4075	155	7	tool	tool	NOUN
framr-4075	155	8	applies	apply	VERB
framr-4075	155	9	an	an	DET
framr-4075	155	10	investment	investment	NOUN
framr-4075	155	11	philosophy	philosophy	NOUN
framr-4075	155	12	of	of	ADP
framr-4075	155	13	individual	individual	NOUN
framr-4075	155	14	-	-	PUNCT
framr-4075	155	15	centred	centre	VERB
framr-4075	155	16	.	.	PUNCT
framr-4075	156	1	a	a	DET
framr-4075	156	2	strong	strong	ADJ
framr-4075	156	3	interaction	interaction	NOUN
framr-4075	156	4	between	between	ADP
framr-4075	156	5	individuals	individual	NOUN
framr-4075	156	6	,	,	PUNCT
framr-4075	156	7	advisors	advisor	NOUN
framr-4075	156	8	,	,	PUNCT
framr-4075	156	9	and	and	CCONJ
framr-4075	156	10	final	final	ADJ
framr-4075	156	11	investors	investor	NOUN
framr-4075	156	12	is	be	AUX
framr-4075	156	13	established	establish	VERB
framr-4075	156	14	to	to	PART
framr-4075	156	15	determine	determine	VERB
framr-4075	156	16	the	the	DET
framr-4075	156	17	risk	risk	NOUN
framr-4075	156	18	tolerances	tolerance	NOUN
framr-4075	156	19	with	with	ADP
framr-4075	156	20	the	the	DET
framr-4075	156	21	help	help	NOUN
framr-4075	156	22	of	of	ADP
framr-4075	156	23	this	this	DET
framr-4075	156	24	game	game	NOUN
framr-4075	156	25	-	-	PUNCT
framr-4075	156	26	changing	change	VERB
framr-4075	156	27	automated	automate	VERB
framr-4075	156	28	tool	tool	NOUN
framr-4075	156	29	.	.	PUNCT
framr-4075	157	1	big	big	ADJ
framr-4075	157	2	data	datum	NOUN
framr-4075	157	3	and	and	CCONJ
framr-4075	157	4	data	datum	NOUN
framr-4075	157	5	analytics	analytic	NOUN
framr-4075	157	6	:	:	PUNCT
framr-4075	157	7	chen	chen	PROPN
framr-4075	157	8	,	,	PUNCT
framr-4075	157	9	mao	mao	PROPN
framr-4075	157	10	,	,	PUNCT
framr-4075	157	11	and	and	CCONJ
framr-4075	157	12	liu	liu	PROPN
framr-4075	157	13	(	(	PUNCT
framr-4075	157	14	2014	2014	NUM
framr-4075	157	15	)	)	PUNCT
framr-4075	157	16	argued	argue	VERB
framr-4075	157	17	that	that	SCONJ
framr-4075	157	18	big	big	ADJ
framr-4075	157	19	data	datum	NOUN
framr-4075	157	20	is	be	AUX
framr-4075	157	21	classified	classify	VERB
framr-4075	157	22	as	as	ADP
framr-4075	157	23	“	"	PUNCT
framr-4075	157	24	massive	massive	ADJ
framr-4075	157	25	data	datum	NOUN
framr-4075	157	26	,	,	PUNCT
framr-4075	157	27	”	"	PUNCT
framr-4075	157	28	which	which	PRON
framr-4075	157	29	is	be	AUX
framr-4075	157	30	improperly	improperly	ADV
framr-4075	157	31	captured	capture	VERB
framr-4075	157	32	,	,	PUNCT
framr-4075	157	33	recorded	record	VERB
framr-4075	157	34	,	,	PUNCT
framr-4075	157	35	obtained	obtain	VERB
framr-4075	157	36	,	,	PUNCT
framr-4075	157	37	and	and	CCONJ
framr-4075	157	38	merged	merge	VERB
framr-4075	157	39	.	.	PUNCT
framr-4075	158	1	apache	apache	PROPN
framr-4075	158	2	hadoop	hadoop	PROPN
framr-4075	158	3	identifies	identify	VERB
framr-4075	158	4	big	big	ADJ
framr-4075	158	5	data	datum	NOUN
framr-4075	158	6	as	as	ADP
framr-4075	158	7	datasets	dataset	NOUN
framr-4075	158	8	that	that	PRON
framr-4075	158	9	are	be	AUX
framr-4075	158	10	not	not	PART
framr-4075	158	11	maintained	maintain	VERB
framr-4075	158	12	or	or	CCONJ
framr-4075	158	13	captured	capture	VERB
framr-4075	158	14	within	within	ADP
framr-4075	158	15	a	a	DET
framr-4075	158	16	satisfactory	satisfactory	ADJ
framr-4075	158	17	scope	scope	NOUN
framr-4075	158	18	by	by	ADP
framr-4075	158	19	general	general	ADJ
framr-4075	158	20	computers	computer	NOUN
framr-4075	158	21	.	.	PUNCT
framr-4075	159	1	data	datum	NOUN
framr-4075	159	2	analytics	analytic	NOUN
framr-4075	159	3	tools	tool	NOUN
framr-4075	159	4	assist	assist	VERB
framr-4075	159	5	project	project	NOUN
framr-4075	159	6	managers	manager	NOUN
framr-4075	159	7	to	to	PART
framr-4075	159	8	develop	develop	VERB
framr-4075	159	9	data	data	NOUN
framr-4075	159	10	-	-	PUNCT
framr-4075	159	11	driven	drive	VERB
framr-4075	159	12	decisions	decision	NOUN
framr-4075	159	13	,	,	PUNCT
framr-4075	159	14	predict	predict	VERB
framr-4075	159	15	trends	trend	NOUN
framr-4075	159	16	,	,	PUNCT
framr-4075	159	17	and	and	CCONJ
framr-4075	159	18	so	so	ADV
framr-4075	159	19	on	on	ADV
framr-4075	159	20	,	,	PUNCT
framr-4075	159	21	which	which	PRON
framr-4075	159	22	enable	enable	VERB
framr-4075	159	23	project	project	NOUN
framr-4075	159	24	managers	manager	NOUN
framr-4075	159	25	to	to	PART
framr-4075	159	26	implement	implement	VERB
framr-4075	159	27	project	project	NOUN
framr-4075	159	28	analytics	analytic	NOUN
framr-4075	159	29	(	(	PUNCT
framr-4075	159	30	uddin	uddin	PROPN
framr-4075	159	31	,	,	PUNCT
framr-4075	159	32	ong	ong	PROPN
framr-4075	159	33	,	,	PUNCT
framr-4075	159	34	&	&	CCONJ
framr-4075	159	35	lu	lu	PROPN
framr-4075	159	36	,	,	PUNCT
framr-4075	159	37	2022	2022	NUM
framr-4075	159	38	)	)	PUNCT
framr-4075	159	39	.	.	PUNCT
framr-4075	160	1	2.2.4	2.2.4	NUM
framr-4075	160	2	.	.	PUNCT
framr-4075	160	3	mobile	mobile	ADJ
framr-4075	160	4	payment	payment	NOUN
framr-4075	160	5	and	and	CCONJ
framr-4075	160	6	digital	digital	ADJ
framr-4075	160	7	wallet	wallet	NOUN
framr-4075	160	8	in	in	ADP
framr-4075	160	9	1997	1997	NUM
framr-4075	160	10	,	,	PUNCT
framr-4075	160	11	with	with	ADP
framr-4075	160	12	the	the	DET
framr-4075	160	13	first	first	ADJ
framr-4075	160	14	transaction	transaction	NOUN
framr-4075	160	15	by	by	ADP
framr-4075	160	16	mobile	mobile	ADJ
framr-4075	160	17	payment	payment	NOUN
framr-4075	160	18	,	,	PUNCT
framr-4075	160	19	researchers	researcher	NOUN
framr-4075	160	20	started	start	VERB
framr-4075	160	21	the	the	DET
framr-4075	160	22	research	research	NOUN
framr-4075	160	23	about	about	ADP
framr-4075	160	24	the	the	DET
framr-4075	160	25	financial	financial	ADJ
framr-4075	160	26	and	and	CCONJ
framr-4075	160	27	operational	operational	ADJ
framr-4075	160	28	impact	impact	NOUN
framr-4075	160	29	of	of	ADP
framr-4075	160	30	these	these	DET
framr-4075	160	31	transactions	transaction	NOUN
framr-4075	160	32	(	(	PUNCT
framr-4075	160	33	dahlberg	dahlberg	PROPN
framr-4075	160	34	,	,	PUNCT
framr-4075	160	35	guo	guo	PROPN
framr-4075	160	36	,	,	PUNCT
framr-4075	160	37	&	&	CCONJ
framr-4075	160	38	ondrus	ondrus	NOUN
framr-4075	160	39	,	,	PUNCT
framr-4075	160	40	2015	2015	NUM
framr-4075	160	41	)	)	PUNCT
framr-4075	160	42	.	.	PUNCT
framr-4075	161	1	another	another	DET
framr-4075	161	2	study	study	NOUN
framr-4075	161	3	claims	claim	VERB
framr-4075	161	4	mobile	mobile	ADJ
framr-4075	161	5	payment	payment	NOUN
framr-4075	161	6	is	be	AUX
framr-4075	161	7	the	the	DET
framr-4075	161	8	source	source	NOUN
framr-4075	161	9	of	of	ADP
framr-4075	161	10	payment	payment	NOUN
framr-4075	161	11	for	for	ADP
framr-4075	161	12	goods	good	NOUN
framr-4075	161	13	and	and	CCONJ
framr-4075	161	14	services	service	NOUN
framr-4075	161	15	through	through	ADP
framr-4075	161	16	wireless	wireless	ADJ
framr-4075	161	17	connections	connection	NOUN
framr-4075	161	18	(	(	PUNCT
framr-4075	161	19	chen	chen	PROPN
framr-4075	161	20	,	,	PUNCT
framr-4075	161	21	2008	2008	NUM
framr-4075	161	22	)	)	PUNCT
framr-4075	161	23	.	.	PUNCT
framr-4075	162	1	biometric	biometric	ADJ
framr-4075	162	2	and	and	CCONJ
framr-4075	162	3	security	security	NOUN
framr-4075	162	4	technologies	technology	NOUN
framr-4075	162	5	:	:	PUNCT
framr-4075	162	6	for	for	ADP
framr-4075	162	7	enhancing	enhance	VERB
framr-4075	162	8	perceived	perceive	VERB
framr-4075	162	9	security	security	NOUN
framr-4075	162	10	,	,	PUNCT
framr-4075	162	11	fintech	fintech	NOUN
framr-4075	162	12	companies	company	NOUN
framr-4075	162	13	should	should	AUX
framr-4075	162	14	develop	develop	VERB
framr-4075	162	15	biometric	biometric	ADJ
framr-4075	162	16	identification	identification	NOUN
framr-4075	162	17	technology	technology	NOUN
framr-4075	162	18	.	.	PUNCT
framr-4075	163	1	fraud	fraud	NOUN
framr-4075	163	2	detection	detection	NOUN
framr-4075	163	3	has	have	AUX
framr-4075	163	4	become	become	VERB
framr-4075	163	5	a	a	DET
framr-4075	163	6	crucial	crucial	ADJ
framr-4075	163	7	point	point	NOUN
framr-4075	163	8	for	for	SCONJ
framr-4075	163	9	every	every	DET
framr-4075	163	10	company	company	NOUN
framr-4075	163	11	to	to	PART
framr-4075	163	12	enhance	enhance	VERB
framr-4075	163	13	and	and	CCONJ
framr-4075	163	14	establish	establish	VERB
framr-4075	163	15	the	the	DET
framr-4075	163	16	quality	quality	NOUN
framr-4075	163	17	of	of	ADP
framr-4075	163	18	services	service	NOUN
framr-4075	163	19	and	and	CCONJ
framr-4075	163	20	effectiveness	effectiveness	NOUN
framr-4075	163	21	.	.	PUNCT
framr-4075	164	1	the	the	DET
framr-4075	164	2	biometric	biometric	ADJ
framr-4075	164	3	recognition	recognition	NOUN
framr-4075	164	4	technologies	technology	NOUN
framr-4075	164	5	and	and	CCONJ
framr-4075	164	6	their	their	PRON
framr-4075	164	7	implementation	implementation	NOUN
framr-4075	164	8	affect	affect	VERB
framr-4075	164	9	the	the	DET
framr-4075	164	10	fintech	fintech	NOUN
framr-4075	164	11	security	security	NOUN
framr-4075	164	12	through	through	ADP
framr-4075	164	13	fingerprint	fingerprint	NOUN
framr-4075	164	14	,	,	PUNCT
framr-4075	164	15	voice	voice	NOUN
framr-4075	164	16	,	,	PUNCT
framr-4075	164	17	and	and	CCONJ
framr-4075	164	18	facial	facial	ADJ
framr-4075	164	19	recognition	recognition	NOUN
framr-4075	164	20	(	(	PUNCT
framr-4075	164	21	wang	wang	PROPN
framr-4075	164	22	,	,	PUNCT
framr-4075	164	23	2021	2021	NUM
framr-4075	164	24	)	)	PUNCT
framr-4075	164	25	.	.	PUNCT
framr-4075	165	1	2.2.5	2.2.5	X
framr-4075	165	2	.	.	X
framr-4075	165	3	regulatory	regulatory	ADJ
framr-4075	165	4	technology	technology	NOUN
framr-4075	165	5	regtech	regtech	NOUN
framr-4075	165	6	is	be	AUX
framr-4075	165	7	a	a	DET
framr-4075	165	8	significant	significant	ADJ
framr-4075	165	9	portion	portion	NOUN
framr-4075	165	10	of	of	ADP
framr-4075	165	11	fintech	fintech	NOUN
framr-4075	165	12	that	that	PRON
framr-4075	165	13	refers	refer	VERB
framr-4075	165	14	to	to	ADP
framr-4075	165	15	the	the	DET
framr-4075	165	16	incorporation	incorporation	NOUN
framr-4075	165	17	of	of	ADP
framr-4075	165	18	information	information	NOUN
framr-4075	165	19	technology	technology	NOUN
framr-4075	165	20	in	in	ADP
framr-4075	165	21	monitoring	monitoring	NOUN
framr-4075	165	22	,	,	PUNCT
framr-4075	165	23	reporting	reporting	NOUN
framr-4075	165	24	,	,	PUNCT
framr-4075	165	25	and	and	CCONJ
framr-4075	165	26	compliance	compliance	NOUN
framr-4075	165	27	in	in	ADP
framr-4075	165	28	regulation	regulation	NOUN
framr-4075	165	29	(	(	PUNCT
framr-4075	165	30	arner	arner	NOUN
framr-4075	165	31	,	,	PUNCT
framr-4075	165	32	barberis	barberis	PROPN
framr-4075	165	33	,	,	PUNCT
framr-4075	165	34	&	&	CCONJ
framr-4075	165	35	buckey	buckey	PROPN
framr-4075	165	36	,	,	PUNCT
framr-4075	165	37	2016	2016	NUM
framr-4075	165	38	)	)	PUNCT
framr-4075	165	39	.	.	PUNCT
framr-4075	166	1	establishing	establish	VERB
framr-4075	166	2	a	a	DET
framr-4075	166	3	safer	safe	ADJ
framr-4075	166	4	and	and	CCONJ
framr-4075	166	5	more	more	ADV
framr-4075	166	6	efficient	efficient	ADJ
framr-4075	166	7	financial	financial	ADJ
framr-4075	166	8	system	system	NOUN
framr-4075	166	9	is	be	AUX
framr-4075	166	10	considered	consider	VERB
framr-4075	166	11	the	the	DET
framr-4075	166	12	prime	prime	ADJ
framr-4075	166	13	concern	concern	NOUN
framr-4075	166	14	for	for	ADP
framr-4075	166	15	financial	financial	ADJ
framr-4075	166	16	companies	company	NOUN
framr-4075	166	17	and	and	CCONJ
framr-4075	166	18	regulators	regulator	NOUN
framr-4075	166	19	to	to	PART
framr-4075	166	20	analyse	analyse	VERB
framr-4075	166	21	the	the	DET
framr-4075	166	22	financial	financial	ADJ
framr-4075	166	23	section	section	NOUN
framr-4075	166	24	.	.	PUNCT
framr-4075	167	1	therefore	therefore	ADV
framr-4075	167	2	,	,	PUNCT
framr-4075	167	3	a	a	DET
framr-4075	167	4	strong	strong	ADJ
framr-4075	167	5	and	and	CCONJ
framr-4075	167	6	efficient	efficient	ADJ
framr-4075	167	7	risk	risk	NOUN
framr-4075	167	8	management	management	NOUN
framr-4075	167	9	and	and	CCONJ
framr-4075	167	10	cost	cost	NOUN
framr-4075	167	11	-	-	PUNCT
framr-4075	167	12	effective	effective	ADJ
framr-4075	167	13	tool	tool	NOUN
framr-4075	167	14	can	can	AUX
framr-4075	167	15	be	be	AUX
framr-4075	167	16	used	use	VERB
framr-4075	167	17	as	as	ADP
framr-4075	167	18	an	an	DET
framr-4075	167	19	economic	economic	ADJ
framr-4075	167	20	incentive	incentive	NOUN
framr-4075	167	21	in	in	ADP
framr-4075	167	22	fintech	fintech	NOUN
framr-4075	167	23	companies	company	NOUN
framr-4075	167	24	.	.	PUNCT
framr-4075	168	1	2.2.6	2.2.6	X
framr-4075	168	2	.	.	PUNCT
framr-4075	169	1	cloud	cloud	NOUN
framr-4075	169	2	computing	compute	VERB
framr-4075	169	3	the	the	DET
framr-4075	169	4	convergence	convergence	NOUN
framr-4075	169	5	of	of	ADP
framr-4075	169	6	it	it	PRON
framr-4075	169	7	efficiency	efficiency	NOUN
framr-4075	169	8	and	and	CCONJ
framr-4075	169	9	business	business	NOUN
framr-4075	169	10	agility	agility	NOUN
framr-4075	169	11	is	be	AUX
framr-4075	169	12	recognised	recognise	VERB
framr-4075	169	13	in	in	ADP
framr-4075	169	14	cloud	cloud	NOUN
framr-4075	169	15	computing	computing	NOUN
framr-4075	169	16	,	,	PUNCT
framr-4075	169	17	where	where	SCONJ
framr-4075	169	18	it	it	PRON
framr-4075	169	19	efficiency	efficiency	NOUN
framr-4075	169	20	refers	refer	VERB
framr-4075	169	21	to	to	ADP
framr-4075	169	22	the	the	DET
framr-4075	169	23	efficiency	efficiency	NOUN
framr-4075	169	24	of	of	ADP
framr-4075	169	25	modern	modern	ADJ
framr-4075	169	26	computers	computer	NOUN
framr-4075	169	27	with	with	ADP
framr-4075	169	28	highly	highly	ADV
framr-4075	169	29	operational	operational	ADJ
framr-4075	169	30	hardware	hardware	NOUN
framr-4075	169	31	and	and	CCONJ
framr-4075	169	32	software	software	NOUN
framr-4075	169	33	,	,	PUNCT
framr-4075	169	34	and	and	CCONJ
framr-4075	169	35	business	business	NOUN
framr-4075	169	36	agility	agility	NOUN
framr-4075	169	37	refers	refer	VERB
framr-4075	169	38	to	to	ADP
framr-4075	169	39	the	the	DET
framr-4075	169	40	usage	usage	NOUN
framr-4075	169	41	of	of	ADP
framr-4075	169	42	it	it	PRON
framr-4075	169	43	as	as	ADP
framr-4075	169	44	a	a	DET
framr-4075	169	45	competitive	competitive	ADJ
framr-4075	169	46	tool	tool	NOUN
framr-4075	169	47	(	(	PUNCT
framr-4075	169	48	marston	marston	PROPN
framr-4075	169	49	,	,	PUNCT
framr-4075	169	50	li	li	PROPN
framr-4075	169	51	,	,	PUNCT
framr-4075	169	52	bandyopadhyay	bandyopadhyay	NOUN
framr-4075	169	53	,	,	PUNCT
framr-4075	169	54	zhang	zhang	PROPN
framr-4075	169	55	,	,	PUNCT
framr-4075	169	56	&	&	CCONJ
framr-4075	169	57	ghalsasi	ghalsasi	PROPN
framr-4075	169	58	,	,	PUNCT
framr-4075	169	59	2011	2011	NUM
framr-4075	169	60	)	)	PUNCT
framr-4075	169	61	.	.	PUNCT
framr-4075	170	1	with	with	ADP
framr-4075	170	2	the	the	DET
framr-4075	170	3	implementation	implementation	NOUN
framr-4075	170	4	of	of	ADP
framr-4075	170	5	cloud	cloud	NOUN
framr-4075	170	6	computing	computing	NOUN
framr-4075	170	7	,	,	PUNCT
framr-4075	170	8	reduction	reduction	NOUN
framr-4075	170	9	in	in	ADP
framr-4075	170	10	information	information	NOUN
framr-4075	170	11	asymmetry	asymmetry	NOUN
framr-4075	170	12	and	and	CCONJ
framr-4075	170	13	limitations	limitation	NOUN
framr-4075	170	14	of	of	ADP
framr-4075	170	15	finance	finance	NOUN
framr-4075	170	16	have	have	AUX
framr-4075	170	17	been	be	AUX
framr-4075	170	18	ensured	ensure	VERB
framr-4075	170	19	in	in	ADP
framr-4075	170	20	fintech	fintech	NOUN
framr-4075	170	21	companies	company	NOUN
framr-4075	170	22	,	,	PUNCT
framr-4075	170	23	and	and	CCONJ
framr-4075	170	24	moreover	moreover	ADV
framr-4075	170	25	,	,	PUNCT
framr-4075	170	26	it	it	PRON
framr-4075	170	27	enhances	enhance	VERB
framr-4075	170	28	the	the	DET
framr-4075	170	29	activities	activity	NOUN
framr-4075	170	30	in	in	ADP
framr-4075	170	31	the	the	DET
framr-4075	170	32	utilisation	utilisation	NOUN
framr-4075	170	33	of	of	ADP
framr-4075	170	34	resources	resource	NOUN
framr-4075	170	35	,	,	PUNCT
framr-4075	170	36	green	green	ADJ
framr-4075	170	37	economic	economic	ADJ
framr-4075	170	38	activity	activity	NOUN
framr-4075	170	39	,	,	PUNCT
framr-4075	170	40	and	and	CCONJ
framr-4075	170	41	sustainable	sustainable	ADJ
framr-4075	170	42	economic	economic	ADJ
framr-4075	170	43	development	development	NOUN
framr-4075	170	44	.	.	PUNCT
framr-4075	171	1	furthermore	furthermore	ADV
framr-4075	171	2	,	,	PUNCT
framr-4075	171	3	the	the	DET
framr-4075	171	4	implementation	implementation	NOUN
framr-4075	171	5	of	of	ADP
framr-4075	171	6	cloud	cloud	NOUN
framr-4075	171	7	computing	computing	NOUN
framr-4075	171	8	provides	provide	VERB
framr-4075	171	9	assistance	assistance	NOUN
framr-4075	171	10	in	in	ADP
framr-4075	171	11	scalability	scalability	NOUN
framr-4075	171	12	,	,	PUNCT
framr-4075	171	13	cost	cost	NOUN
framr-4075	171	14	-	-	PUNCT
framr-4075	171	15	efficiency	efficiency	NOUN
framr-4075	171	16	,	,	PUNCT
framr-4075	171	17	and	and	CCONJ
framr-4075	171	18	the	the	DET
framr-4075	171	19	rapid	rapid	ADJ
framr-4075	171	20	development	development	NOUN
framr-4075	171	21	of	of	ADP
framr-4075	171	22	new	new	ADJ
framr-4075	171	23	applications	application	NOUN
framr-4075	171	24	and	and	CCONJ
framr-4075	171	25	services	service	NOUN
framr-4075	171	26	(	(	PUNCT
framr-4075	171	27	lăzăroiu	lăzăroiu	NOUN
framr-4075	171	28	et	et	PROPN
framr-4075	171	29	al	al	PROPN
framr-4075	171	30	.	.	PROPN
framr-4075	171	31	,	,	PUNCT
framr-4075	171	32	2023	2023	NUM
framr-4075	171	33	;	;	PUNCT
framr-4075	171	34	macchiavello	macchiavello	PROPN
framr-4075	171	35	&	&	CCONJ
framr-4075	171	36	siri	siri	NOUN
framr-4075	171	37	,	,	PUNCT
framr-4075	171	38	2022	2022	NUM
framr-4075	171	39	)	)	PUNCT
framr-4075	171	40	.	.	PUNCT
framr-4075	172	1	2.3	2.3	NUM
framr-4075	172	2	.	.	PUNCT
framr-4075	172	3	trends	trend	NOUN
framr-4075	172	4	in	in	ADP
framr-4075	172	5	fintech	fintech	NOUN
framr-4075	172	6	adoption	adoption	NOUN
framr-4075	172	7	and	and	CCONJ
framr-4075	172	8	innovation	innovation	NOUN
framr-4075	172	9	in	in	ADP
framr-4075	172	10	financial	financial	ADJ
framr-4075	172	11	institutions	institution	NOUN
framr-4075	172	12	fintech	fintech	NOUN
framr-4075	172	13	is	be	AUX
framr-4075	172	14	an	an	DET
framr-4075	172	15	umbrella	umbrella	NOUN
framr-4075	172	16	term	term	NOUN
framr-4075	172	17	for	for	SCONJ
framr-4075	172	18	the	the	DET
framr-4075	172	19	technology	technology	NOUN
framr-4075	172	20	-	-	PUNCT
framr-4075	172	21	based	base	VERB
framr-4075	172	22	innovative	innovative	ADJ
framr-4075	172	23	services	service	NOUN
framr-4075	172	24	to	to	PART
framr-4075	172	25	develop	develop	VERB
framr-4075	172	26	financial	financial	ADJ
framr-4075	172	27	services	service	NOUN
framr-4075	172	28	and	and	CCONJ
framr-4075	172	29	business	business	NOUN
framr-4075	172	30	models	model	NOUN
framr-4075	172	31	to	to	PART
framr-4075	172	32	improve	improve	VERB
framr-4075	172	33	the	the	DET
framr-4075	172	34	process	process	NOUN
framr-4075	172	35	,	,	PUNCT
framr-4075	172	36	delivery	delivery	NOUN
framr-4075	172	37	,	,	PUNCT
framr-4075	172	38	and	and	CCONJ
framr-4075	172	39	services	service	NOUN
framr-4075	172	40	with	with	ADP
framr-4075	172	41	a	a	DET
framr-4075	172	42	prominent	prominent	ADJ
framr-4075	172	43	impact	impact	NOUN
framr-4075	172	44	on	on	ADP
framr-4075	172	45	financial	financial	ADJ
framr-4075	172	46	markets	market	NOUN
framr-4075	172	47	and	and	CCONJ
framr-4075	172	48	implementation	implementation	NOUN
framr-4075	172	49	.	.	PUNCT
framr-4075	173	1	it	it	PRON
framr-4075	173	2	has	have	AUX
framr-4075	173	3	turned	turn	VERB
framr-4075	173	4	into	into	ADP
framr-4075	173	5	a	a	DET
framr-4075	173	6	global	global	ADJ
framr-4075	173	7	phenomenon	phenomenon	NOUN
framr-4075	173	8	for	for	ADP
framr-4075	173	9	the	the	DET
framr-4075	173	10	researcher	researcher	NOUN
framr-4075	173	11	,	,	PUNCT
framr-4075	173	12	business	business	NOUN
framr-4075	173	13	leaders	leader	NOUN
framr-4075	173	14	,	,	PUNCT
framr-4075	173	15	and	and	CCONJ
framr-4075	173	16	academicians	academician	NOUN
framr-4075	173	17	(	(	PUNCT
framr-4075	173	18	chinnasamy	chinnasamy	NOUN
framr-4075	173	19	,	,	PUNCT
framr-4075	173	20	madbouly	madbouly	ADV
framr-4075	173	21	,	,	PUNCT
framr-4075	173	22	&	&	CCONJ
framr-4075	173	23	reyad	reyad	PROPN
framr-4075	173	24	,	,	PUNCT
framr-4075	173	25	2021	2021	NUM
framr-4075	173	26	;	;	PUNCT
framr-4075	173	27	mention	mention	NOUN
framr-4075	173	28	,	,	PUNCT
framr-4075	173	29	2019	2019	NUM
framr-4075	173	30	)	)	PUNCT
framr-4075	173	31	.	.	PUNCT
framr-4075	174	1	in	in	ADP
framr-4075	174	2	the	the	DET
framr-4075	174	3	broad	broad	ADJ
framr-4075	174	4	array	array	NOUN
framr-4075	174	5	of	of	ADP
framr-4075	174	6	technology	technology	NOUN
framr-4075	174	7	-	-	PUNCT
framr-4075	174	8	based	base	VERB
framr-4075	174	9	financial	financial	ADJ
framr-4075	174	10	services	service	NOUN
framr-4075	174	11	,	,	PUNCT
framr-4075	174	12	some	some	DET
framr-4075	174	13	key	key	ADJ
framr-4075	174	14	trends	trend	NOUN
framr-4075	174	15	in	in	ADP
framr-4075	174	16	the	the	DET
framr-4075	174	17	adoption	adoption	NOUN
framr-4075	174	18	and	and	CCONJ
framr-4075	174	19	innovation	innovation	NOUN
framr-4075	174	20	of	of	ADP
framr-4075	174	21	fintech	fintech	NOUN
framr-4075	174	22	within	within	ADP
framr-4075	174	23	financial	financial	ADJ
framr-4075	174	24	institutions	institution	NOUN
framr-4075	174	25	are	be	AUX
framr-4075	174	26	mentioned	mention	VERB
framr-4075	174	27	:	:	PUNCT
framr-4075	174	28	financial	financial	ADJ
framr-4075	174	29	risk	risk	NOUN
framr-4075	174	30	and	and	CCONJ
framr-4075	174	31	management	management	NOUN
framr-4075	174	32	reviews	review	NOUN
framr-4075	174	33	,	,	PUNCT
framr-4075	174	34	2025	2025	NUM
framr-4075	174	35	,	,	PUNCT
framr-4075	174	36	11(1	11(1	NUM
framr-4075	174	37	):	):	PUNCT
framr-4075	174	38	1	1	NUM
framr-4075	174	39	-	-	SYM
framr-4075	174	40	36	36	NUM
framr-4075	174	41	7	7	NUM
framr-4075	174	42	©	©	PROPN
framr-4075	174	43	2025	2025	NUM
framr-4075	174	44	conscientia	conscientia	PROPN
framr-4075	174	45	beam	beam	PROPN
framr-4075	174	46	.	.	PUNCT
framr-4075	175	1	all	all	DET
framr-4075	175	2	rights	right	NOUN
framr-4075	175	3	reserved	reserve	VERB
framr-4075	175	4	.	.	PUNCT
framr-4075	176	1	2.3.1	2.3.1	X
framr-4075	176	2	.	.	PUNCT
framr-4075	176	3	digital	digital	ADJ
framr-4075	176	4	transformation	transformation	NOUN
framr-4075	176	5	and	and	CCONJ
framr-4075	176	6	innovation	innovation	NOUN
framr-4075	176	7	a	a	DET
framr-4075	176	8	new	new	ADJ
framr-4075	176	9	competition	competition	NOUN
framr-4075	176	10	by	by	ADP
framr-4075	176	11	fintech	fintech	NOUN
framr-4075	176	12	companies	company	NOUN
framr-4075	176	13	causes	cause	VERB
framr-4075	176	14	existing	exist	VERB
framr-4075	176	15	challenges	challenge	NOUN
framr-4075	176	16	faced	face	VERB
framr-4075	176	17	by	by	ADP
framr-4075	176	18	the	the	DET
framr-4075	176	19	traditional	traditional	ADJ
framr-4075	176	20	banking	banking	NOUN
framr-4075	176	21	environment	environment	NOUN
framr-4075	176	22	.	.	PUNCT
framr-4075	177	1	the	the	DET
framr-4075	177	2	convergence	convergence	NOUN
framr-4075	177	3	between	between	ADP
framr-4075	177	4	emerging	emerge	VERB
framr-4075	177	5	business	business	NOUN
framr-4075	177	6	models	model	NOUN
framr-4075	177	7	and	and	CCONJ
framr-4075	177	8	technology	technology	NOUN
framr-4075	177	9	improves	improve	VERB
framr-4075	177	10	streamlined	streamlined	ADJ
framr-4075	177	11	operations	operation	NOUN
framr-4075	177	12	and	and	CCONJ
framr-4075	177	13	customer	customer	NOUN
framr-4075	177	14	satisfaction	satisfaction	NOUN
framr-4075	177	15	(	(	PUNCT
framr-4075	177	16	gomber	gomber	PROPN
framr-4075	177	17	et	et	PROPN
framr-4075	177	18	al	al	PROPN
framr-4075	177	19	.	.	PROPN
framr-4075	177	20	,	,	PUNCT
framr-4075	177	21	2017	2017	NUM
framr-4075	177	22	)	)	PUNCT
framr-4075	177	23	.	.	PUNCT
framr-4075	178	1	a	a	DET
framr-4075	178	2	digital	digital	ADJ
framr-4075	178	3	finance	finance	NOUN
framr-4075	178	4	cube	cube	NOUN
framr-4075	178	5	is	be	AUX
framr-4075	178	6	innovated	innovate	VERB
framr-4075	178	7	with	with	ADP
framr-4075	178	8	the	the	DET
framr-4075	178	9	consensus	consensus	NOUN
framr-4075	178	10	of	of	ADP
framr-4075	178	11	business	business	NOUN
framr-4075	178	12	operations	operation	NOUN
framr-4075	178	13	,	,	PUNCT
framr-4075	178	14	technologies	technology	NOUN
framr-4075	178	15	,	,	PUNCT
framr-4075	178	16	and	and	CCONJ
framr-4075	178	17	technological	technological	ADJ
framr-4075	178	18	concepts	concept	NOUN
framr-4075	178	19	,	,	PUNCT
framr-4075	178	20	which	which	PRON
framr-4075	178	21	has	have	VERB
framr-4075	178	22	significant	significant	ADJ
framr-4075	178	23	influence	influence	NOUN
framr-4075	178	24	over	over	ADP
framr-4075	178	25	various	various	ADJ
framr-4075	178	26	stakeholders	stakeholder	NOUN
framr-4075	178	27	from	from	ADP
framr-4075	178	28	three	three	NUM
framr-4075	178	29	dimensions	dimension	NOUN
framr-4075	178	30	(	(	PUNCT
framr-4075	178	31	consumers	consumer	NOUN
framr-4075	178	32	,	,	PUNCT
framr-4075	178	33	market	market	NOUN
framr-4075	178	34	players	player	NOUN
framr-4075	178	35	,	,	PUNCT
framr-4075	178	36	and	and	CCONJ
framr-4075	178	37	regulatory	regulatory	ADJ
framr-4075	178	38	font	font	NOUN
framr-4075	178	39	)	)	PUNCT
framr-4075	178	40	(	(	PUNCT
framr-4075	178	41	sangwan	sangwan	PROPN
framr-4075	178	42	,	,	PUNCT
framr-4075	178	43	prakash	prakash	PROPN
framr-4075	178	44	,	,	PUNCT
framr-4075	178	45	&	&	CCONJ
framr-4075	178	46	singh	singh	PROPN
framr-4075	178	47	,	,	PUNCT
framr-4075	178	48	2020	2020	NUM
framr-4075	178	49	)	)	PUNCT
framr-4075	178	50	.	.	PUNCT
framr-4075	179	1	2.3.2	2.3.2	X
framr-4075	179	2	.	.	X
framr-4075	180	1	blockchain	blockchain	PROPN
framr-4075	180	2	and	and	CCONJ
framr-4075	180	3	cryptocurrencies	cryptocurrencie	NOUN
framr-4075	180	4	blockchain	blockchain	PROPN
framr-4075	180	5	is	be	AUX
framr-4075	180	6	a	a	DET
framr-4075	180	7	peer	peer	NOUN
framr-4075	180	8	-	-	PUNCT
framr-4075	180	9	to	to	ADP
framr-4075	180	10	-	-	PUNCT
framr-4075	180	11	peer	peer	NOUN
framr-4075	180	12	network	network	NOUN
framr-4075	180	13	or	or	CCONJ
framr-4075	180	14	a	a	DET
framr-4075	180	15	decentralised	decentralised	ADJ
framr-4075	180	16	network	network	NOUN
framr-4075	180	17	environment	environment	NOUN
framr-4075	180	18	with	with	ADP
framr-4075	180	19	a	a	DET
framr-4075	180	20	shared	share	VERB
framr-4075	180	21	ledger	ledger	NOUN
framr-4075	180	22	that	that	PRON
framr-4075	180	23	is	be	AUX
framr-4075	180	24	connected	connect	VERB
framr-4075	180	25	by	by	ADP
framr-4075	180	26	nodes	node	NOUN
framr-4075	180	27	(	(	PUNCT
framr-4075	180	28	sarmah	sarmah	PROPN
framr-4075	180	29	,	,	PUNCT
framr-4075	180	30	2018	2018	NUM
framr-4075	180	31	;	;	PUNCT
framr-4075	180	32	tapscott	tapscott	PROPN
framr-4075	180	33	&	&	CCONJ
framr-4075	180	34	tapscott	tapscott	PROPN
framr-4075	180	35	,	,	PUNCT
framr-4075	180	36	2016	2016	NUM
framr-4075	180	37	)	)	PUNCT
framr-4075	180	38	.	.	PUNCT
framr-4075	181	1	the	the	DET
framr-4075	181	2	consensus	consensus	NOUN
framr-4075	181	3	between	between	ADP
framr-4075	181	4	blockchain	blockchain	PROPN
framr-4075	181	5	and	and	CCONJ
framr-4075	181	6	fintech	fintech	NOUN
framr-4075	181	7	is	be	AUX
framr-4075	181	8	a	a	DET
framr-4075	181	9	lack	lack	NOUN
framr-4075	181	10	of	of	ADP
framr-4075	181	11	service	service	NOUN
framr-4075	181	12	quality	quality	NOUN
framr-4075	181	13	in	in	ADP
framr-4075	181	14	the	the	DET
framr-4075	181	15	development	development	NOUN
framr-4075	181	16	of	of	ADP
framr-4075	181	17	necessary	necessary	ADJ
framr-4075	181	18	software	software	NOUN
framr-4075	181	19	development	development	NOUN
framr-4075	181	20	products	product	NOUN
framr-4075	181	21	for	for	ADP
framr-4075	181	22	startups	startup	NOUN
framr-4075	181	23	.	.	PUNCT
framr-4075	182	1	blockchain	blockchain	PROPN
framr-4075	182	2	provides	provide	VERB
framr-4075	182	3	credit	credit	NOUN
framr-4075	182	4	or	or	CCONJ
framr-4075	182	5	liquidity	liquidity	NOUN
framr-4075	182	6	risk	risk	NOUN
framr-4075	182	7	management	management	NOUN
framr-4075	182	8	services	service	NOUN
framr-4075	182	9	through	through	ADP
framr-4075	182	10	an	an	DET
framr-4075	182	11	autonomous	autonomous	ADJ
framr-4075	182	12	system	system	NOUN
framr-4075	182	13	.	.	PUNCT
framr-4075	183	1	moreover	moreover	ADV
framr-4075	183	2	,	,	PUNCT
framr-4075	183	3	it	it	PRON
framr-4075	183	4	revolutionises	revolutionise	VERB
framr-4075	183	5	the	the	DET
framr-4075	183	6	traditional	traditional	ADJ
framr-4075	183	7	banking	banking	NOUN
framr-4075	183	8	system	system	NOUN
framr-4075	183	9	through	through	ADP
framr-4075	183	10	security	security	NOUN
framr-4075	183	11	,	,	PUNCT
framr-4075	183	12	efficiency	efficiency	NOUN
framr-4075	183	13	,	,	PUNCT
framr-4075	183	14	and	and	CCONJ
framr-4075	183	15	transparency	transparency	NOUN
framr-4075	183	16	(	(	PUNCT
framr-4075	183	17	fernandez	fernandez	NOUN
framr-4075	183	18	-	-	PUNCT
framr-4075	183	19	vazquez	vazquez	PROPN
framr-4075	183	20	,	,	PUNCT
framr-4075	183	21	rosillo	rosillo	PROPN
framr-4075	183	22	,	,	PUNCT
framr-4075	183	23	de	de	X
framr-4075	183	24	la	la	X
framr-4075	183	25	fuente	fuente	NOUN
framr-4075	183	26	,	,	PUNCT
framr-4075	183	27	&	&	CCONJ
framr-4075	183	28	priore	priore	NOUN
framr-4075	183	29	,	,	PUNCT
framr-4075	183	30	2019	2019	NUM
framr-4075	183	31	)	)	PUNCT
framr-4075	183	32	.	.	PUNCT
framr-4075	184	1	2.3.3	2.3.3	X
framr-4075	184	2	.	.	PUNCT
framr-4075	184	3	artificial	artificial	ADJ
framr-4075	184	4	intelligence	intelligence	NOUN
framr-4075	184	5	and	and	CCONJ
framr-4075	184	6	machine	machine	NOUN
framr-4075	184	7	learning	learn	VERB
framr-4075	184	8	investment	investment	NOUN
framr-4075	184	9	decisions	decision	NOUN
framr-4075	184	10	that	that	PRON
framr-4075	184	11	are	be	AUX
framr-4075	184	12	taken	take	VERB
framr-4075	184	13	by	by	ADP
framr-4075	184	14	discretionary	discretionary	ADJ
framr-4075	184	15	portfolio	portfolio	NOUN
framr-4075	184	16	managers	manager	NOUN
framr-4075	184	17	often	often	ADV
framr-4075	184	18	count	count	VERB
framr-4075	184	19	on	on	ADP
framr-4075	184	20	raw	raw	ADJ
framr-4075	184	21	information	information	NOUN
framr-4075	184	22	or	or	CCONJ
framr-4075	184	23	intuition	intuition	NOUN
framr-4075	184	24	,	,	PUNCT
framr-4075	184	25	resulting	result	VERB
framr-4075	184	26	in	in	ADP
framr-4075	184	27	a	a	DET
framr-4075	184	28	higher	high	ADJ
framr-4075	184	29	risk	risk	NOUN
framr-4075	184	30	of	of	ADP
framr-4075	184	31	failure	failure	NOUN
framr-4075	184	32	in	in	ADP
framr-4075	184	33	quantitative	quantitative	ADJ
framr-4075	184	34	finance	finance	NOUN
framr-4075	184	35	,	,	PUNCT
framr-4075	184	36	especially	especially	ADV
framr-4075	184	37	in	in	ADP
framr-4075	184	38	the	the	DET
framr-4075	184	39	case	case	NOUN
framr-4075	184	40	of	of	ADP
framr-4075	184	41	establishing	establish	VERB
framr-4075	184	42	investment	investment	NOUN
framr-4075	184	43	policy	policy	NOUN
framr-4075	184	44	.	.	PUNCT
framr-4075	185	1	consequently	consequently	ADV
framr-4075	185	2	,	,	PUNCT
framr-4075	185	3	machine	machine	NOUN
framr-4075	185	4	learning	learning	NOUN
framr-4075	185	5	plays	play	VERB
framr-4075	185	6	a	a	DET
framr-4075	185	7	crucial	crucial	ADJ
framr-4075	185	8	role	role	NOUN
framr-4075	185	9	in	in	ADP
framr-4075	185	10	shaping	shape	VERB
framr-4075	185	11	financial	financial	ADJ
framr-4075	185	12	decisions	decision	NOUN
framr-4075	185	13	.	.	PUNCT
framr-4075	186	1	data	datum	NOUN
framr-4075	186	2	curators	curator	NOUN
framr-4075	186	3	are	be	AUX
framr-4075	186	4	responsible	responsible	ADJ
framr-4075	186	5	for	for	ADP
framr-4075	186	6	gathering	gathering	NOUN
framr-4075	186	7	,	,	PUNCT
framr-4075	186	8	indexing	indexing	NOUN
framr-4075	186	9	,	,	PUNCT
framr-4075	186	10	storing	storing	NOUN
framr-4075	186	11	,	,	PUNCT
framr-4075	186	12	and	and	CCONJ
framr-4075	186	13	organising	organise	VERB
framr-4075	186	14	data	datum	NOUN
framr-4075	186	15	in	in	ADP
framr-4075	186	16	tabulated	tabulate	VERB
framr-4075	186	17	or	or	CCONJ
framr-4075	186	18	hierarchical	hierarchical	ADJ
framr-4075	186	19	formats	format	NOUN
framr-4075	186	20	.	.	PUNCT
framr-4075	187	1	this	this	DET
framr-4075	187	2	fintech	fintech	NOUN
framr-4075	187	3	technology	technology	NOUN
framr-4075	187	4	is	be	AUX
framr-4075	187	5	also	also	ADV
framr-4075	187	6	applied	apply	VERB
framr-4075	187	7	in	in	ADP
framr-4075	187	8	algorithmic	algorithmic	ADJ
framr-4075	187	9	trading	trading	NOUN
framr-4075	187	10	,	,	PUNCT
framr-4075	187	11	fraud	fraud	NOUN
framr-4075	187	12	detection	detection	NOUN
framr-4075	187	13	,	,	PUNCT
framr-4075	187	14	risk	risk	NOUN
framr-4075	187	15	management	management	NOUN
framr-4075	187	16	,	,	PUNCT
framr-4075	187	17	and	and	CCONJ
framr-4075	187	18	other	other	ADJ
framr-4075	187	19	areas	area	NOUN
framr-4075	187	20	(	(	PUNCT
framr-4075	187	21	de	de	X
framr-4075	187	22	prado	prado	PROPN
framr-4075	187	23	,	,	PUNCT
framr-4075	187	24	2018	2018	NUM
framr-4075	187	25	;	;	PUNCT
framr-4075	187	26	kulkarni	kulkarni	PROPN
framr-4075	187	27	,	,	PUNCT
framr-4075	187	28	2023	2023	NUM
framr-4075	187	29	)	)	PUNCT
framr-4075	187	30	.	.	PUNCT
framr-4075	188	1	2.3.4	2.3.4	X
framr-4075	188	2	.	.	PUNCT
framr-4075	188	3	open	open	ADJ
framr-4075	188	4	-	-	PUNCT
framr-4075	188	5	banking	banking	NOUN
framr-4075	188	6	and	and	CCONJ
framr-4075	188	7	api	api	NOUN
framr-4075	188	8	integration	integration	NOUN
framr-4075	188	9	switching	switch	VERB
framr-4075	188	10	to	to	ADP
framr-4075	188	11	a	a	DET
framr-4075	188	12	financial	financial	ADJ
framr-4075	188	13	product	product	NOUN
framr-4075	188	14	or	or	CCONJ
framr-4075	188	15	service	service	NOUN
framr-4075	188	16	requires	require	VERB
framr-4075	188	17	a	a	DET
framr-4075	188	18	cost	cost	NOUN
framr-4075	188	19	(	(	PUNCT
framr-4075	188	20	known	know	VERB
framr-4075	188	21	as	as	ADP
framr-4075	188	22	“	"	PUNCT
framr-4075	188	23	switching	switch	VERB
framr-4075	188	24	cost	cost	NOUN
framr-4075	188	25	”	"	PUNCT
framr-4075	188	26	)	)	PUNCT
framr-4075	188	27	,	,	PUNCT
framr-4075	188	28	which	which	PRON
framr-4075	188	29	is	be	AUX
framr-4075	188	30	the	the	DET
framr-4075	188	31	prime	prime	ADJ
framr-4075	188	32	switching	switching	NOUN
framr-4075	188	33	inertia	inertia	NOUN
framr-4075	188	34	of	of	ADP
framr-4075	188	35	consumers	consumer	NOUN
framr-4075	188	36	and	and	CCONJ
framr-4075	188	37	new	new	ADJ
framr-4075	188	38	providers	provider	NOUN
framr-4075	188	39	of	of	ADP
framr-4075	188	40	banking	banking	NOUN
framr-4075	188	41	services	service	NOUN
framr-4075	188	42	in	in	ADP
framr-4075	188	43	the	the	DET
framr-4075	188	44	united	united	PROPN
framr-4075	188	45	kingdom	kingdom	PROPN
framr-4075	188	46	(	(	PUNCT
framr-4075	188	47	borgogno	borgogno	NOUN
framr-4075	188	48	&	&	CCONJ
framr-4075	188	49	colangelo	colangelo	PROPN
framr-4075	188	50	,	,	PUNCT
framr-4075	188	51	2020	2020	NUM
framr-4075	188	52	)	)	PUNCT
framr-4075	188	53	.	.	PUNCT
framr-4075	189	1	from	from	ADP
framr-4075	189	2	this	this	DET
framr-4075	189	3	point	point	NOUN
framr-4075	189	4	of	of	ADP
framr-4075	189	5	view	view	NOUN
framr-4075	189	6	,	,	PUNCT
framr-4075	189	7	the	the	DET
framr-4075	189	8	term	term	NOUN
framr-4075	189	9	“	"	PUNCT
framr-4075	189	10	open	open	ADJ
framr-4075	189	11	banking	banking	NOUN
framr-4075	189	12	”	"	PUNCT
framr-4075	189	13	has	have	AUX
framr-4075	189	14	arisen	arise	VERB
framr-4075	189	15	,	,	PUNCT
framr-4075	189	16	which	which	PRON
framr-4075	189	17	depicts	depict	VERB
framr-4075	189	18	a	a	DET
framr-4075	189	19	financial	financial	ADJ
framr-4075	189	20	technology	technology	NOUN
framr-4075	189	21	to	to	PART
framr-4075	189	22	implement	implement	VERB
framr-4075	189	23	regulation	regulation	NOUN
framr-4075	189	24	so	so	SCONJ
framr-4075	189	25	that	that	SCONJ
framr-4075	189	26	banking	banking	NOUN
framr-4075	189	27	consumers	consumer	NOUN
framr-4075	189	28	reduce	reduce	VERB
framr-4075	189	29	the	the	DET
framr-4075	189	30	switching	switching	NOUN
framr-4075	189	31	cost	cost	NOUN
framr-4075	189	32	and	and	CCONJ
framr-4075	189	33	maintain	maintain	VERB
framr-4075	189	34	their	their	PRON
framr-4075	189	35	accounts	account	NOUN
framr-4075	189	36	(	(	PUNCT
framr-4075	189	37	chan	chan	PROPN
framr-4075	189	38	,	,	PUNCT
framr-4075	189	39	troshani	troshani	PROPN
framr-4075	189	40	,	,	PUNCT
framr-4075	189	41	rao	rao	PROPN
framr-4075	189	42	hill	hill	PROPN
framr-4075	189	43	,	,	PUNCT
framr-4075	189	44	&	&	CCONJ
framr-4075	189	45	hoffmann	hoffmann	PROPN
framr-4075	189	46	,	,	PUNCT
framr-4075	189	47	2022	2022	NUM
framr-4075	189	48	)	)	PUNCT
framr-4075	189	49	.	.	PUNCT
framr-4075	190	1	however	however	ADV
framr-4075	190	2	,	,	PUNCT
framr-4075	190	3	open	open	ADJ
framr-4075	190	4	banking	banking	NOUN
framr-4075	190	5	allows	allow	VERB
framr-4075	190	6	its	its	PRON
framr-4075	190	7	providers	provider	NOUN
framr-4075	190	8	to	to	PART
framr-4075	190	9	share	share	VERB
framr-4075	190	10	greater	great	ADJ
framr-4075	190	11	information	information	NOUN
framr-4075	190	12	with	with	ADP
framr-4075	190	13	other	other	ADJ
framr-4075	190	14	providers	provider	NOUN
framr-4075	190	15	,	,	PUNCT
framr-4075	190	16	while	while	SCONJ
framr-4075	190	17	traditional	traditional	ADJ
framr-4075	190	18	banking	banking	NOUN
framr-4075	190	19	is	be	AUX
framr-4075	190	20	based	base	VERB
framr-4075	190	21	on	on	ADP
framr-4075	190	22	the	the	DET
framr-4075	190	23	principle	principle	NOUN
framr-4075	190	24	of	of	ADP
framr-4075	190	25	a	a	DET
framr-4075	190	26	“	"	PUNCT
framr-4075	190	27	closed	closed	ADJ
framr-4075	190	28	and	and	CCONJ
framr-4075	190	29	fragmented	fragmented	ADJ
framr-4075	190	30	system	system	NOUN
framr-4075	190	31	.	.	PUNCT
framr-4075	190	32	”	"	PUNCT
framr-4075	190	33	.	.	PUNCT
framr-4075	191	1	therefore	therefore	ADV
framr-4075	191	2	,	,	PUNCT
framr-4075	191	3	it	it	PRON
framr-4075	191	4	increases	increase	VERB
framr-4075	191	5	the	the	DET
framr-4075	191	6	degree	degree	NOUN
framr-4075	191	7	of	of	ADP
framr-4075	191	8	fraud	fraud	NOUN
framr-4075	191	9	and	and	CCONJ
framr-4075	191	10	customer	customer	NOUN
framr-4075	191	11	privacy	privacy	NOUN
framr-4075	191	12	breaches	breach	NOUN
framr-4075	191	13	(	(	PUNCT
framr-4075	191	14	mah	mah	ADJ
framr-4075	191	15	,	,	PUNCT
framr-4075	191	16	2020	2020	NUM
framr-4075	191	17	)	)	PUNCT
framr-4075	191	18	.	.	PUNCT
framr-4075	192	1	2.3.5	2.3.5	NUM
framr-4075	192	2	.	.	PUNCT
framr-4075	192	3	mobile	mobile	ADJ
framr-4075	192	4	banking	banking	NOUN
framr-4075	192	5	and	and	CCONJ
framr-4075	192	6	payment	payment	NOUN
framr-4075	192	7	solution	solution	NOUN
framr-4075	192	8	mobile	mobile	ADJ
framr-4075	192	9	banking	banking	NOUN
framr-4075	192	10	has	have	VERB
framr-4075	192	11	a	a	DET
framr-4075	192	12	vital	vital	ADJ
framr-4075	192	13	role	role	NOUN
framr-4075	192	14	in	in	ADP
framr-4075	192	15	elevating	elevate	VERB
framr-4075	192	16	poverty	poverty	NOUN
framr-4075	192	17	by	by	ADP
framr-4075	192	18	the	the	DET
framr-4075	192	19	inclusion	inclusion	NOUN
framr-4075	192	20	of	of	ADP
framr-4075	192	21	all	all	DET
framr-4075	192	22	social	social	ADJ
framr-4075	192	23	groups	group	NOUN
framr-4075	192	24	into	into	ADP
framr-4075	192	25	economic	economic	ADJ
framr-4075	192	26	growth	growth	NOUN
framr-4075	192	27	.	.	PUNCT
framr-4075	193	1	it	it	PRON
framr-4075	193	2	has	have	AUX
framr-4075	193	3	become	become	VERB
framr-4075	193	4	a	a	DET
framr-4075	193	5	crucial	crucial	ADJ
framr-4075	193	6	tool	tool	NOUN
framr-4075	193	7	for	for	ADP
framr-4075	193	8	transforming	transform	VERB
framr-4075	193	9	society	society	NOUN
framr-4075	193	10	into	into	ADP
framr-4075	193	11	a	a	DET
framr-4075	193	12	cashless	cashless	NOUN
framr-4075	193	13	one	one	NOUN
framr-4075	193	14	that	that	PRON
framr-4075	193	15	enhances	enhance	VERB
framr-4075	193	16	customer	customer	NOUN
framr-4075	193	17	engagement	engagement	NOUN
framr-4075	193	18	and	and	CCONJ
framr-4075	193	19	service	service	NOUN
framr-4075	193	20	delivery	delivery	NOUN
framr-4075	193	21	(	(	PUNCT
framr-4075	193	22	dahlberg	dahlberg	PROPN
framr-4075	193	23	et	et	PROPN
framr-4075	193	24	al	al	PROPN
framr-4075	193	25	.	.	PROPN
framr-4075	193	26	,	,	PUNCT
framr-4075	193	27	2015	2015	NUM
framr-4075	193	28	;	;	PUNCT
framr-4075	193	29	yahaya	yahaya	PROPN
framr-4075	193	30	&	&	CCONJ
framr-4075	193	31	ahmad	ahmad	PROPN
framr-4075	193	32	,	,	PUNCT
framr-4075	193	33	2018	2018	NUM
framr-4075	193	34	)	)	PUNCT
framr-4075	193	35	.	.	PUNCT
framr-4075	194	1	in	in	ADP
framr-4075	194	2	the	the	DET
framr-4075	194	3	fintech	fintech	NOUN
framr-4075	194	4	business	business	NOUN
framr-4075	194	5	,	,	PUNCT
framr-4075	194	6	mobile	mobile	ADJ
framr-4075	194	7	banking	banking	NOUN
framr-4075	194	8	has	have	VERB
framr-4075	194	9	significant	significant	ADJ
framr-4075	194	10	influence	influence	NOUN
framr-4075	194	11	through	through	ADP
framr-4075	194	12	large	large	ADJ
framr-4075	194	13	investments	investment	NOUN
framr-4075	194	14	.	.	PUNCT
framr-4075	195	1	here	here	ADV
framr-4075	195	2	,	,	PUNCT
framr-4075	195	3	by	by	ADP
framr-4075	195	4	analysing	analyse	VERB
framr-4075	195	5	the	the	DET
framr-4075	195	6	big	big	ADJ
framr-4075	195	7	data	datum	NOUN
framr-4075	195	8	,	,	PUNCT
framr-4075	195	9	this	this	DET
framr-4075	195	10	technology	technology	NOUN
framr-4075	195	11	focuses	focus	VERB
framr-4075	195	12	on	on	ADP
framr-4075	195	13	consumers	consumer	NOUN
framr-4075	195	14	and	and	CCONJ
framr-4075	195	15	has	have	VERB
framr-4075	195	16	the	the	DET
framr-4075	195	17	advantage	advantage	NOUN
framr-4075	195	18	of	of	ADP
framr-4075	195	19	international	international	ADJ
framr-4075	195	20	technical	technical	ADJ
framr-4075	195	21	support	support	NOUN
framr-4075	195	22	and	and	CCONJ
framr-4075	195	23	bilateral	bilateral	ADJ
framr-4075	195	24	cooperation	cooperation	NOUN
framr-4075	195	25	(	(	PUNCT
framr-4075	195	26	le	le	PROPN
framr-4075	195	27	,	,	PUNCT
framr-4075	195	28	mai	mai	PROPN
framr-4075	195	29	,	,	PUNCT
framr-4075	195	30	phan	phan	PROPN
framr-4075	195	31	,	,	PUNCT
framr-4075	195	32	nguyen	nguyen	NOUN
framr-4075	195	33	,	,	PUNCT
framr-4075	195	34	&	&	CCONJ
framr-4075	195	35	le	le	X
framr-4075	195	36	,	,	PUNCT
framr-4075	195	37	2021	2021	NUM
framr-4075	195	38	)	)	PUNCT
framr-4075	195	39	.	.	PUNCT
framr-4075	196	1	2.3.6	2.3.6	NUM
framr-4075	196	2	.	.	PUNCT
framr-4075	196	3	peer	peer	NOUN
framr-4075	196	4	-	-	PUNCT
framr-4075	196	5	to	to	ADP
framr-4075	196	6	-	-	PUNCT
framr-4075	196	7	peer	peer	NOUN
framr-4075	196	8	lending	lending	NOUN
framr-4075	196	9	and	and	CCONJ
framr-4075	196	10	crowdfunding	crowdfunding	NOUN
framr-4075	196	11	fintech	fintech	NOUN
framr-4075	196	12	,	,	PUNCT
framr-4075	196	13	a	a	DET
framr-4075	196	14	technology	technology	NOUN
framr-4075	196	15	-	-	PUNCT
framr-4075	196	16	based	base	VERB
framr-4075	196	17	business	business	NOUN
framr-4075	196	18	model	model	NOUN
framr-4075	196	19	innovation	innovation	NOUN
framr-4075	196	20	,	,	PUNCT
framr-4075	196	21	revolutionises	revolutionise	VERB
framr-4075	196	22	the	the	DET
framr-4075	196	23	traditional	traditional	ADJ
framr-4075	196	24	process	process	NOUN
framr-4075	196	25	of	of	ADP
framr-4075	196	26	financial	financial	ADJ
framr-4075	196	27	product	product	NOUN
framr-4075	196	28	and	and	CCONJ
framr-4075	196	29	service	service	NOUN
framr-4075	196	30	delivery	delivery	NOUN
framr-4075	196	31	(	(	PUNCT
framr-4075	196	32	philippon	philippon	NOUN
framr-4075	196	33	,	,	PUNCT
framr-4075	196	34	2016	2016	NUM
framr-4075	196	35	)	)	PUNCT
framr-4075	196	36	.	.	PUNCT
framr-4075	197	1	there	there	PRON
framr-4075	197	2	are	be	VERB
framr-4075	197	3	two	two	NUM
framr-4075	197	4	alternatives	alternative	NOUN
framr-4075	197	5	to	to	ADP
framr-4075	197	6	financing	financing	NOUN
framr-4075	197	7	channels	channel	NOUN
framr-4075	197	8	,	,	PUNCT
framr-4075	197	9	which	which	PRON
framr-4075	197	10	are	be	AUX
framr-4075	197	11	peer	peer	NOUN
framr-4075	197	12	-	-	PUNCT
framr-4075	197	13	topeer	topeer	NOUN
framr-4075	197	14	lending	lending	NOUN
framr-4075	197	15	and	and	CCONJ
framr-4075	197	16	crowdfunding	crowdfunding	NOUN
framr-4075	197	17	.	.	PUNCT
framr-4075	198	1	here	here	ADV
framr-4075	198	2	,	,	PUNCT
framr-4075	198	3	peer	peer	NOUN
framr-4075	198	4	-	-	PUNCT
framr-4075	198	5	to	to	ADP
framr-4075	198	6	-	-	PUNCT
framr-4075	198	7	peer	peer	NOUN
framr-4075	198	8	lending	lending	NOUN
framr-4075	198	9	(	(	PUNCT
framr-4075	198	10	another	another	DET
framr-4075	198	11	term	term	NOUN
framr-4075	198	12	is	be	AUX
framr-4075	198	13	“	"	PUNCT
framr-4075	198	14	social	social	ADJ
framr-4075	198	15	lending	lending	NOUN
framr-4075	198	16	)	)	PUNCT
framr-4075	198	17	refers	refer	VERB
framr-4075	198	18	to	to	ADP
framr-4075	198	19	the	the	DET
framr-4075	198	20	process	process	NOUN
framr-4075	198	21	of	of	ADP
framr-4075	198	22	financial	financial	ADJ
framr-4075	198	23	risk	risk	NOUN
framr-4075	198	24	and	and	CCONJ
framr-4075	198	25	management	management	NOUN
framr-4075	198	26	reviews	review	NOUN
framr-4075	198	27	,	,	PUNCT
framr-4075	198	28	2025	2025	NUM
framr-4075	198	29	,	,	PUNCT
framr-4075	198	30	11(1	11(1	NUM
framr-4075	198	31	):	):	PUNCT
framr-4075	198	32	1	1	NUM
framr-4075	198	33	-	-	SYM
framr-4075	198	34	36	36	NUM
framr-4075	198	35	8	8	NUM
framr-4075	198	36	©	©	ADP
framr-4075	198	37	2025	2025	NUM
framr-4075	198	38	conscientia	conscientia	PROPN
framr-4075	198	39	beam	beam	PROPN
framr-4075	198	40	.	.	PUNCT
framr-4075	199	1	all	all	DET
framr-4075	199	2	rights	right	NOUN
framr-4075	199	3	reserved	reserve	VERB
framr-4075	199	4	.	.	PUNCT
framr-4075	200	1	collaborating	collaborate	VERB
framr-4075	200	2	borrowers	borrower	NOUN
framr-4075	200	3	and	and	CCONJ
framr-4075	200	4	lenders	lender	NOUN
framr-4075	200	5	online	online	ADV
framr-4075	200	6	at	at	ADP
framr-4075	200	7	lowering	lower	VERB
framr-4075	200	8	interest	interest	NOUN
framr-4075	200	9	rates	rate	NOUN
framr-4075	200	10	.	.	PUNCT
framr-4075	201	1	while	while	SCONJ
framr-4075	201	2	,	,	PUNCT
framr-4075	201	3	in	in	ADP
framr-4075	201	4	the	the	DET
framr-4075	201	5	“	"	PUNCT
framr-4075	201	6	crowdfunding	crowdfunding	NOUN
framr-4075	201	7	”	"	PUNCT
framr-4075	201	8	approach	approach	NOUN
framr-4075	201	9	,	,	PUNCT
framr-4075	201	10	a	a	DET
framr-4075	201	11	small	small	ADJ
framr-4075	201	12	amount	amount	NOUN
framr-4075	201	13	of	of	ADP
framr-4075	201	14	capital	capital	NOUN
framr-4075	201	15	is	be	AUX
framr-4075	201	16	raised	raise	VERB
framr-4075	201	17	from	from	ADP
framr-4075	201	18	the	the	DET
framr-4075	201	19	small	small	ADJ
framr-4075	201	20	project	project	NOUN
framr-4075	201	21	and	and	CCONJ
framr-4075	201	22	lent	lend	VERB
framr-4075	201	23	to	to	ADP
framr-4075	201	24	the	the	DET
framr-4075	201	25	pool	pool	NOUN
framr-4075	201	26	of	of	ADP
framr-4075	201	27	users	user	NOUN
framr-4075	201	28	in	in	ADP
framr-4075	201	29	a	a	DET
framr-4075	201	30	loan	loan	NOUN
framr-4075	201	31	-	-	PUNCT
framr-4075	201	32	based	base	VERB
framr-4075	201	33	manner	manner	NOUN
framr-4075	201	34	through	through	ADP
framr-4075	201	35	an	an	DET
framr-4075	201	36	online	online	ADJ
framr-4075	201	37	platform	platform	NOUN
framr-4075	201	38	(	(	PUNCT
framr-4075	201	39	ghazali	ghazali	PROPN
framr-4075	201	40	&	&	CCONJ
framr-4075	201	41	yasuoka	yasuoka	PROPN
framr-4075	201	42	,	,	PUNCT
framr-4075	201	43	2018	2018	NUM
framr-4075	201	44	;	;	PUNCT
framr-4075	201	45	gupta	gupta	PROPN
framr-4075	201	46	,	,	PUNCT
framr-4075	201	47	raj	raj	PROPN
framr-4075	201	48	,	,	PUNCT
framr-4075	201	49	gupta	gupta	PROPN
framr-4075	201	50	,	,	PUNCT
framr-4075	201	51	&	&	CCONJ
framr-4075	201	52	sharma	sharma	PROPN
framr-4075	201	53	,	,	PUNCT
framr-4075	201	54	2023	2023	NUM
framr-4075	201	55	)	)	PUNCT
framr-4075	201	56	.	.	PUNCT
framr-4075	202	1	2.3.7	2.3.7	X
framr-4075	202	2	.	.	PUNCT
framr-4075	203	1	cloud	cloud	NOUN
framr-4075	203	2	computing	compute	VERB
framr-4075	203	3	the	the	DET
framr-4075	203	4	union	union	NOUN
framr-4075	203	5	of	of	ADP
framr-4075	203	6	information	information	NOUN
framr-4075	203	7	technology	technology	NOUN
framr-4075	203	8	(	(	PUNCT
framr-4075	203	9	it	it	PRON
framr-4075	203	10	)	)	PUNCT
framr-4075	203	11	efficiency	efficiency	NOUN
framr-4075	203	12	and	and	CCONJ
framr-4075	203	13	business	business	NOUN
framr-4075	203	14	agility	agility	NOUN
framr-4075	203	15	is	be	AUX
framr-4075	203	16	epitomised	epitomise	VERB
framr-4075	203	17	in	in	ADP
framr-4075	203	18	cloud	cloud	NOUN
framr-4075	203	19	computing	computing	NOUN
framr-4075	203	20	,	,	PUNCT
framr-4075	203	21	where	where	SCONJ
framr-4075	203	22	it	it	PRON
framr-4075	203	23	efficiency	efficiency	VERB
framr-4075	203	24	pertains	pertain	VERB
framr-4075	203	25	to	to	ADP
framr-4075	203	26	the	the	DET
framr-4075	203	27	performance	performance	NOUN
framr-4075	203	28	of	of	ADP
framr-4075	203	29	modern	modern	ADJ
framr-4075	203	30	computers	computer	NOUN
framr-4075	203	31	with	with	ADP
framr-4075	203	32	advanced	advanced	ADJ
framr-4075	203	33	hardware	hardware	NOUN
framr-4075	203	34	and	and	CCONJ
framr-4075	203	35	software	software	NOUN
framr-4075	203	36	,	,	PUNCT
framr-4075	203	37	and	and	CCONJ
framr-4075	203	38	business	business	NOUN
framr-4075	203	39	agility	agility	NOUN
framr-4075	203	40	involves	involve	VERB
framr-4075	203	41	using	use	VERB
framr-4075	203	42	it	it	PRON
framr-4075	203	43	as	as	ADP
framr-4075	203	44	a	a	DET
framr-4075	203	45	competitive	competitive	ADJ
framr-4075	203	46	advantage	advantage	NOUN
framr-4075	203	47	(	(	PUNCT
framr-4075	203	48	marston	marston	PROPN
framr-4075	203	49	et	et	PROPN
framr-4075	203	50	al	al	PROPN
framr-4075	203	51	.	.	PROPN
framr-4075	203	52	,	,	PUNCT
framr-4075	203	53	2011	2011	NUM
framr-4075	203	54	)	)	PUNCT
framr-4075	203	55	.	.	PUNCT
framr-4075	204	1	the	the	DET
framr-4075	204	2	adoption	adoption	NOUN
framr-4075	204	3	of	of	ADP
framr-4075	204	4	cloud	cloud	NOUN
framr-4075	204	5	computing	computing	NOUN
framr-4075	204	6	in	in	ADP
framr-4075	204	7	fintech	fintech	NOUN
framr-4075	204	8	companies	company	NOUN
framr-4075	204	9	has	have	AUX
framr-4075	204	10	shrunk	shrink	VERB
framr-4075	204	11	information	information	NOUN
framr-4075	204	12	asymmetry	asymmetry	NOUN
framr-4075	204	13	and	and	CCONJ
framr-4075	204	14	financial	financial	ADJ
framr-4075	204	15	constraints	constraint	NOUN
framr-4075	204	16	while	while	SCONJ
framr-4075	204	17	also	also	ADV
framr-4075	204	18	augmenting	augment	VERB
framr-4075	204	19	resource	resource	NOUN
framr-4075	204	20	utilisation	utilisation	NOUN
framr-4075	204	21	,	,	PUNCT
framr-4075	204	22	promoting	promote	VERB
framr-4075	204	23	green	green	ADJ
framr-4075	204	24	economic	economic	ADJ
framr-4075	204	25	activity	activity	NOUN
framr-4075	204	26	,	,	PUNCT
framr-4075	204	27	and	and	CCONJ
framr-4075	204	28	supporting	support	VERB
framr-4075	204	29	sustainable	sustainable	ADJ
framr-4075	204	30	economic	economic	ADJ
framr-4075	204	31	development	development	NOUN
framr-4075	204	32	.	.	PUNCT
framr-4075	205	1	additionally	additionally	ADV
framr-4075	205	2	,	,	PUNCT
framr-4075	205	3	cloud	cloud	NOUN
framr-4075	205	4	computing	computing	NOUN
framr-4075	205	5	offers	offer	VERB
framr-4075	205	6	benefits	benefit	NOUN
framr-4075	205	7	such	such	ADJ
framr-4075	205	8	as	as	ADP
framr-4075	205	9	scalability	scalability	NOUN
framr-4075	205	10	,	,	PUNCT
framr-4075	205	11	cost	cost	NOUN
framr-4075	205	12	-	-	PUNCT
framr-4075	205	13	efficiency	efficiency	NOUN
framr-4075	205	14	,	,	PUNCT
framr-4075	205	15	and	and	CCONJ
framr-4075	205	16	the	the	DET
framr-4075	205	17	rapid	rapid	ADJ
framr-4075	205	18	development	development	NOUN
framr-4075	205	19	of	of	ADP
framr-4075	205	20	new	new	ADJ
framr-4075	205	21	applications	application	NOUN
framr-4075	205	22	and	and	CCONJ
framr-4075	205	23	services	service	NOUN
framr-4075	205	24	(	(	PUNCT
framr-4075	205	25	lăzăroiu	lăzăroiu	NOUN
framr-4075	205	26	et	et	PROPN
framr-4075	205	27	al	al	PROPN
framr-4075	205	28	.	.	PROPN
framr-4075	205	29	,	,	PUNCT
framr-4075	205	30	2023	2023	NUM
framr-4075	205	31	;	;	PUNCT
framr-4075	205	32	macchiavello	macchiavello	PROPN
framr-4075	205	33	&	&	CCONJ
framr-4075	205	34	siri	siri	NOUN
framr-4075	205	35	,	,	PUNCT
framr-4075	205	36	2022	2022	NUM
framr-4075	205	37	)	)	PUNCT
framr-4075	205	38	.	.	PUNCT
framr-4075	206	1	2.3.8	2.3.8	NUM
framr-4075	206	2	.	.	PUNCT
framr-4075	206	3	internet	internet	NOUN
framr-4075	206	4	of	of	ADP
framr-4075	206	5	things	thing	NOUN
framr-4075	206	6	(	(	PUNCT
framr-4075	206	7	iot	iot	NOUN
framr-4075	206	8	)	)	PUNCT
framr-4075	206	9	in	in	ADP
framr-4075	206	10	financial	financial	ADJ
framr-4075	206	11	services	service	NOUN
framr-4075	206	12	iot	iot	NOUN
framr-4075	206	13	consists	consist	VERB
framr-4075	206	14	of	of	ADP
framr-4075	206	15	two	two	NUM
framr-4075	206	16	words	word	NOUN
framr-4075	206	17	,	,	PUNCT
framr-4075	206	18	and	and	CCONJ
framr-4075	206	19	these	these	PRON
framr-4075	206	20	are	be	AUX
framr-4075	206	21	“	"	PUNCT
framr-4075	206	22	internet	internet	NOUN
framr-4075	206	23	”	"	PUNCT
framr-4075	206	24	and	and	CCONJ
framr-4075	206	25	“	"	PUNCT
framr-4075	206	26	things	thing	NOUN
framr-4075	206	27	.	.	PUNCT
framr-4075	206	28	”	"	PUNCT
framr-4075	206	29	.	.	PUNCT
framr-4075	207	1	the	the	DET
framr-4075	207	2	internet	internet	NOUN
framr-4075	207	3	of	of	ADP
framr-4075	207	4	things	thing	NOUN
framr-4075	207	5	depicts	depict	VERB
framr-4075	207	6	a	a	DET
framr-4075	207	7	connection	connection	NOUN
framr-4075	207	8	of	of	ADP
framr-4075	207	9	objects	object	NOUN
framr-4075	207	10	with	with	ADP
framr-4075	207	11	identifiable	identifiable	ADJ
framr-4075	207	12	addresses	address	NOUN
framr-4075	207	13	that	that	PRON
framr-4075	207	14	operate	operate	VERB
framr-4075	207	15	as	as	ADP
framr-4075	207	16	traditional	traditional	ADJ
framr-4075	207	17	information	information	NOUN
framr-4075	207	18	carriers	carrier	NOUN
framr-4075	207	19	(	(	PUNCT
framr-4075	207	20	abdul	abdul	PROPN
framr-4075	207	21	-	-	PUNCT
framr-4075	207	22	qawy	qawy	PROPN
framr-4075	207	23	,	,	PUNCT
framr-4075	207	24	pramod	pramod	PROPN
framr-4075	207	25	,	,	PUNCT
framr-4075	207	26	magesh	magesh	PROPN
framr-4075	207	27	,	,	PUNCT
framr-4075	207	28	&	&	CCONJ
framr-4075	207	29	srinivasulu	srinivasulu	ADJ
framr-4075	207	30	,	,	PUNCT
framr-4075	207	31	2015	2015	NUM
framr-4075	207	32	;	;	PUNCT
framr-4075	207	33	gubbi	gubbi	NOUN
framr-4075	207	34	,	,	PUNCT
framr-4075	207	35	buyya	buyya	NOUN
framr-4075	207	36	,	,	PUNCT
framr-4075	207	37	marusic	marusic	ADJ
framr-4075	207	38	,	,	PUNCT
framr-4075	207	39	&	&	CCONJ
framr-4075	207	40	palaniswami	palaniswami	ADJ
framr-4075	207	41	,	,	PUNCT
framr-4075	207	42	2013	2013	NUM
framr-4075	207	43	)	)	PUNCT
framr-4075	207	44	.	.	PUNCT
framr-4075	208	1	the	the	DET
framr-4075	208	2	connection	connection	NOUN
framr-4075	208	3	among	among	ADP
framr-4075	208	4	existing	exist	VERB
framr-4075	208	5	objects	object	NOUN
framr-4075	208	6	,	,	PUNCT
framr-4075	208	7	intelligence	intelligence	NOUN
framr-4075	208	8	sensors	sensor	NOUN
framr-4075	208	9	,	,	PUNCT
framr-4075	208	10	smart	smart	ADJ
framr-4075	208	11	objects	object	NOUN
framr-4075	208	12	,	,	PUNCT
framr-4075	208	13	traditional	traditional	ADJ
framr-4075	208	14	computing	computing	NOUN
framr-4075	208	15	networks	network	NOUN
framr-4075	208	16	,	,	PUNCT
framr-4075	208	17	and	and	CCONJ
framr-4075	208	18	others	other	NOUN
framr-4075	208	19	enables	enable	VERB
framr-4075	208	20	the	the	DET
framr-4075	208	21	recording	recording	NOUN
framr-4075	208	22	,	,	PUNCT
framr-4075	208	23	generating	generating	NOUN
framr-4075	208	24	,	,	PUNCT
framr-4075	208	25	and	and	CCONJ
framr-4075	208	26	exchange	exchange	NOUN
framr-4075	208	27	of	of	ADP
framr-4075	208	28	data	datum	NOUN
framr-4075	208	29	within	within	ADP
framr-4075	208	30	data	datum	NOUN
framr-4075	208	31	centres	centre	NOUN
framr-4075	208	32	or	or	CCONJ
framr-4075	208	33	network	network	NOUN
framr-4075	208	34	clouds	cloud	NOUN
framr-4075	208	35	,	,	PUNCT
framr-4075	208	36	which	which	PRON
framr-4075	208	37	assist	assist	VERB
framr-4075	208	38	project	project	NOUN
framr-4075	208	39	managers	manager	NOUN
framr-4075	208	40	to	to	PART
framr-4075	208	41	operate	operate	VERB
framr-4075	208	42	complex	complex	ADJ
framr-4075	208	43	and	and	CCONJ
framr-4075	208	44	computational	computational	ADJ
framr-4075	208	45	tasks	task	NOUN
framr-4075	208	46	in	in	ADP
framr-4075	208	47	independent	independent	ADJ
framr-4075	208	48	decision	decision	NOUN
framr-4075	208	49	-	-	PUNCT
framr-4075	208	50	making	making	NOUN
framr-4075	208	51	without	without	ADP
framr-4075	208	52	human	human	ADJ
framr-4075	208	53	intervention	intervention	NOUN
framr-4075	208	54	(	(	PUNCT
framr-4075	208	55	botta	botta	NOUN
framr-4075	208	56	,	,	PUNCT
framr-4075	208	57	de	de	X
framr-4075	208	58	donato	donato	NOUN
framr-4075	208	59	,	,	PUNCT
framr-4075	208	60	persico	persico	NOUN
framr-4075	208	61	,	,	PUNCT
framr-4075	208	62	&	&	CCONJ
framr-4075	208	63	pescapé	pescapé	NOUN
framr-4075	208	64	,	,	PUNCT
framr-4075	208	65	2016	2016	NUM
framr-4075	208	66	)	)	PUNCT
framr-4075	208	67	.	.	PUNCT
framr-4075	209	1	3	3	X
framr-4075	209	2	.	.	X
framr-4075	209	3	financial	financial	ADJ
framr-4075	209	4	crimes	crime	NOUN
framr-4075	209	5	3.1	3.1	NUM
framr-4075	209	6	.	.	PUNCT
framr-4075	210	1	overview	overview	NOUN
framr-4075	210	2	of	of	ADP
framr-4075	210	3	financial	financial	ADJ
framr-4075	210	4	crimes	crime	NOUN
framr-4075	210	5	the	the	DET
framr-4075	210	6	organisation	organisation	NOUN
framr-4075	210	7	for	for	ADP
framr-4075	210	8	economic	economic	ADJ
framr-4075	210	9	co	co	NOUN
framr-4075	210	10	-	-	NOUN
framr-4075	210	11	operation	operation	NOUN
framr-4075	210	12	and	and	CCONJ
framr-4075	210	13	development	development	NOUN
framr-4075	210	14	(	(	PUNCT
framr-4075	210	15	oecd	oecd	PROPN
framr-4075	210	16	)	)	PUNCT
framr-4075	210	17	is	be	AUX
framr-4075	210	18	a	a	DET
framr-4075	210	19	key	key	ADJ
framr-4075	210	20	international	international	ADJ
framr-4075	210	21	standard	standard	NOUN
framr-4075	210	22	-	-	PUNCT
framr-4075	210	23	setting	set	VERB
framr-4075	210	24	organisation	organisation	NOUN
framr-4075	210	25	that	that	PRON
framr-4075	210	26	conducts	conduct	VERB
framr-4075	210	27	valuable	valuable	ADJ
framr-4075	210	28	independent	independent	ADJ
framr-4075	210	29	analysis	analysis	NOUN
framr-4075	210	30	and	and	CCONJ
framr-4075	210	31	statistics	statistic	NOUN
framr-4075	210	32	on	on	ADP
framr-4075	210	33	a	a	DET
framr-4075	210	34	range	range	NOUN
framr-4075	210	35	of	of	ADP
framr-4075	210	36	economic	economic	ADJ
framr-4075	210	37	and	and	CCONJ
framr-4075	210	38	other	other	ADJ
framr-4075	210	39	policy	policy	NOUN
framr-4075	210	40	areas	area	NOUN
framr-4075	210	41	.	.	PUNCT
framr-4075	211	1	the	the	DET
framr-4075	211	2	rise	rise	NOUN
framr-4075	211	3	of	of	ADP
framr-4075	211	4	financial	financial	ADJ
framr-4075	211	5	crime	crime	NOUN
framr-4075	211	6	in	in	ADP
framr-4075	211	7	the	the	DET
framr-4075	211	8	oecd	oecd	PROPN
framr-4075	211	9	has	have	AUX
framr-4075	211	10	caught	catch	VERB
framr-4075	211	11	the	the	DET
framr-4075	211	12	attention	attention	NOUN
framr-4075	211	13	where	where	SCONJ
framr-4075	211	14	the	the	DET
framr-4075	211	15	term	term	NOUN
framr-4075	211	16	“	"	PUNCT
framr-4075	211	17	economic	economic	ADJ
framr-4075	211	18	crime	crime	NOUN
framr-4075	211	19	”	"	PUNCT
framr-4075	211	20	is	be	AUX
framr-4075	211	21	more	more	ADV
framr-4075	211	22	commonly	commonly	ADV
framr-4075	211	23	used	use	VERB
framr-4075	211	24	.	.	PUNCT
framr-4075	212	1	here	here	ADV
framr-4075	212	2	,	,	PUNCT
framr-4075	212	3	‘	'	PUNCT
framr-4075	212	4	financial	financial	ADJ
framr-4075	212	5	crime	crime	NOUN
framr-4075	212	6	or	or	CCONJ
framr-4075	212	7	economic	economic	ADJ
framr-4075	212	8	crime	crime	NOUN
framr-4075	212	9	’	'	PUNCT
framr-4075	212	10	indicates	indicate	VERB
framr-4075	212	11	a	a	DET
framr-4075	212	12	range	range	NOUN
framr-4075	212	13	of	of	ADP
framr-4075	212	14	criminal	criminal	ADJ
framr-4075	212	15	activities	activity	NOUN
framr-4075	212	16	,	,	PUNCT
framr-4075	212	17	including	include	VERB
framr-4075	212	18	money	money	NOUN
framr-4075	212	19	laundering	laundering	NOUN
framr-4075	212	20	,	,	PUNCT
framr-4075	212	21	mass	mass	ADJ
framr-4075	212	22	-	-	PUNCT
framr-4075	212	23	marketing	marketing	NOUN
framr-4075	212	24	fraud	fraud	NOUN
framr-4075	212	25	,	,	PUNCT
framr-4075	212	26	or	or	CCONJ
framr-4075	212	27	tax	tax	NOUN
framr-4075	212	28	evasion	evasion	NOUN
framr-4075	212	29	,	,	PUNCT
framr-4075	212	30	which	which	PRON
framr-4075	212	31	result	result	VERB
framr-4075	212	32	in	in	ADP
framr-4075	212	33	the	the	DET
framr-4075	212	34	financial	financial	ADJ
framr-4075	212	35	losses	loss	NOUN
framr-4075	212	36	(	(	PUNCT
framr-4075	212	37	achim	achim	PROPN
framr-4075	212	38	&	&	CCONJ
framr-4075	212	39	borlea	borlea	PROPN
framr-4075	212	40	,	,	PUNCT
framr-4075	212	41	2020	2020	NUM
framr-4075	212	42	;	;	PUNCT
framr-4075	212	43	nicholls	nicholls	PROPN
framr-4075	212	44	et	et	PROPN
framr-4075	212	45	al	al	PROPN
framr-4075	212	46	.	.	PROPN
framr-4075	212	47	,	,	PUNCT
framr-4075	212	48	2021	2021	NUM
framr-4075	212	49	;	;	PUNCT
framr-4075	212	50	ünvan	ünvan	PROPN
framr-4075	212	51	,	,	PUNCT
framr-4075	212	52	2020	2020	NUM
framr-4075	212	53	)	)	PUNCT
framr-4075	212	54	.	.	PUNCT
framr-4075	213	1	at	at	ADP
framr-4075	213	2	first	first	ADV
framr-4075	213	3	,	,	PUNCT
framr-4075	213	4	fraud	fraud	NOUN
framr-4075	213	5	was	be	AUX
framr-4075	213	6	considered	consider	VERB
framr-4075	213	7	a	a	DET
framr-4075	213	8	financial	financial	ADJ
framr-4075	213	9	crime	crime	NOUN
framr-4075	213	10	(	(	PUNCT
framr-4075	213	11	prior	prior	ADV
framr-4075	213	12	to	to	ADP
framr-4075	213	13	the	the	DET
framr-4075	213	14	21st	21st	ADJ
framr-4075	213	15	century	century	NOUN
framr-4075	213	16	)	)	PUNCT
framr-4075	213	17	,	,	PUNCT
framr-4075	213	18	but	but	CCONJ
framr-4075	213	19	from	from	ADP
framr-4075	213	20	the	the	DET
framr-4075	213	21	late	late	ADJ
framr-4075	213	22	1980s	1980	NOUN
framr-4075	213	23	,	,	PUNCT
framr-4075	213	24	money	money	NOUN
framr-4075	213	25	laundering	laundering	NOUN
framr-4075	213	26	or	or	CCONJ
framr-4075	213	27	insider	insider	NOUN
framr-4075	213	28	dealing	dealing	NOUN
framr-4075	213	29	also	also	ADV
framr-4075	213	30	fell	fall	VERB
framr-4075	213	31	into	into	ADP
framr-4075	213	32	the	the	DET
framr-4075	213	33	category	category	NOUN
framr-4075	213	34	.	.	PUNCT
framr-4075	214	1	furthermore	furthermore	ADV
framr-4075	214	2	,	,	PUNCT
framr-4075	214	3	crimes	crime	NOUN
framr-4075	214	4	involving	involve	VERB
framr-4075	214	5	intellectual	intellectual	ADJ
framr-4075	214	6	property	property	NOUN
framr-4075	214	7	will	will	AUX
framr-4075	214	8	be	be	AUX
framr-4075	214	9	included	include	VERB
framr-4075	214	10	as	as	ADP
framr-4075	214	11	financial	financial	ADJ
framr-4075	214	12	crimes	crime	NOUN
framr-4075	214	13	if	if	SCONJ
framr-4075	214	14	they	they	PRON
framr-4075	214	15	have	have	VERB
framr-4075	214	16	a	a	DET
framr-4075	214	17	significant	significant	ADJ
framr-4075	214	18	influence	influence	NOUN
framr-4075	214	19	in	in	ADP
framr-4075	214	20	“	"	PUNCT
framr-4075	214	21	predicting	predict	VERB
framr-4075	214	22	crime	crime	NOUN
framr-4075	214	23	”	"	PUNCT
framr-4075	214	24	(	(	PUNCT
framr-4075	214	25	levi	levi	PROPN
framr-4075	214	26	,	,	PUNCT
framr-4075	214	27	2015	2015	NUM
framr-4075	214	28	)	)	PUNCT
framr-4075	214	29	.	.	PUNCT
framr-4075	215	1	for	for	ADP
framr-4075	215	2	a	a	DET
framr-4075	215	3	better	well	ADJ
framr-4075	215	4	understanding	understanding	NOUN
framr-4075	215	5	of	of	ADP
framr-4075	215	6	the	the	DET
framr-4075	215	7	causes	cause	NOUN
framr-4075	215	8	behind	behind	ADP
framr-4075	215	9	financial	financial	ADJ
framr-4075	215	10	crime	crime	NOUN
framr-4075	215	11	,	,	PUNCT
framr-4075	215	12	the	the	DET
framr-4075	215	13	study	study	NOUN
framr-4075	215	14	requires	require	VERB
framr-4075	215	15	a	a	DET
framr-4075	215	16	theory	theory	NOUN
framr-4075	215	17	development	development	NOUN
framr-4075	215	18	.	.	PUNCT
framr-4075	216	1	when	when	SCONJ
framr-4075	216	2	a	a	DET
framr-4075	216	3	set	set	NOUN
framr-4075	216	4	of	of	ADP
framr-4075	216	5	interrelated	interrelated	ADJ
framr-4075	216	6	constructs	construct	NOUN
framr-4075	216	7	,	,	PUNCT
framr-4075	216	8	definitions	definition	NOUN
framr-4075	216	9	,	,	PUNCT
framr-4075	216	10	and	and	CCONJ
framr-4075	216	11	propositions	proposition	NOUN
framr-4075	216	12	form	form	VERB
framr-4075	216	13	a	a	DET
framr-4075	216	14	methodical	methodical	ADJ
framr-4075	216	15	view	view	NOUN
framr-4075	216	16	of	of	ADP
framr-4075	216	17	phenomena	phenomenon	NOUN
framr-4075	216	18	and	and	CCONJ
framr-4075	216	19	postulate	postulate	VERB
framr-4075	216	20	the	the	DET
framr-4075	216	21	relationship	relationship	NOUN
framr-4075	216	22	between	between	ADP
framr-4075	216	23	variables	variable	NOUN
framr-4075	216	24	through	through	ADP
framr-4075	216	25	case	case	NOUN
framr-4075	216	26	study	study	NOUN
framr-4075	216	27	,	,	PUNCT
framr-4075	216	28	it	it	PRON
framr-4075	216	29	is	be	AUX
framr-4075	216	30	referred	refer	VERB
framr-4075	216	31	to	to	ADP
framr-4075	216	32	as	as	ADP
framr-4075	216	33	“	"	PUNCT
framr-4075	216	34	theory	theory	NOUN
framr-4075	216	35	development	development	NOUN
framr-4075	216	36	(	(	PUNCT
framr-4075	216	37	amadi	amadi	NOUN
framr-4075	216	38	,	,	PUNCT
framr-4075	216	39	2023	2023	NUM
framr-4075	216	40	;	;	PUNCT
framr-4075	216	41	gottschalk	gottschalk	NOUN
framr-4075	216	42	,	,	PUNCT
framr-4075	216	43	2010	2010	NUM
framr-4075	216	44	)	)	PUNCT
framr-4075	216	45	.	.	PUNCT
framr-4075	217	1	the	the	DET
framr-4075	217	2	theoretical	theoretical	ADJ
framr-4075	217	3	streams	stream	NOUN
framr-4075	217	4	of	of	ADP
framr-4075	217	5	financial	financial	ADJ
framr-4075	217	6	crime	crime	NOUN
framr-4075	217	7	have	have	AUX
framr-4075	217	8	been	be	AUX
framr-4075	217	9	divided	divide	VERB
framr-4075	217	10	into	into	ADP
framr-4075	217	11	behavioural	behavioural	ADJ
framr-4075	217	12	theories	theory	NOUN
framr-4075	217	13	,	,	PUNCT
framr-4075	217	14	organisational	organisational	ADJ
framr-4075	217	15	theories	theory	NOUN
framr-4075	217	16	,	,	PUNCT
framr-4075	217	17	and	and	CCONJ
framr-4075	217	18	managerial	managerial	ADJ
framr-4075	217	19	theories	theory	NOUN
framr-4075	217	20	(	(	PUNCT
framr-4075	217	21	amadi	amadi	NOUN
framr-4075	217	22	,	,	PUNCT
framr-4075	217	23	2023	2023	NUM
framr-4075	217	24	)	)	PUNCT
framr-4075	217	25	.	.	PUNCT
framr-4075	218	1	examining	examine	VERB
framr-4075	218	2	the	the	DET
framr-4075	218	3	perception	perception	NOUN
framr-4075	218	4	of	of	ADP
framr-4075	218	5	the	the	DET
framr-4075	218	6	individual	individual	NOUN
framr-4075	218	7	behind	behind	ADP
framr-4075	218	8	the	the	DET
framr-4075	218	9	financial	financial	ADJ
framr-4075	218	10	crime	crime	NOUN
framr-4075	218	11	is	be	AUX
framr-4075	218	12	the	the	DET
framr-4075	218	13	prime	prime	ADJ
framr-4075	218	14	concern	concern	NOUN
framr-4075	218	15	of	of	ADP
framr-4075	218	16	behavioural	behavioural	ADJ
framr-4075	218	17	theory	theory	NOUN
framr-4075	218	18	.	.	PUNCT
framr-4075	219	1	hansen	hansen	PROPN
framr-4075	219	2	(	(	PUNCT
framr-4075	219	3	2009	2009	NUM
framr-4075	219	4	)	)	PUNCT
framr-4075	219	5	depicts	depict	VERB
framr-4075	219	6	that	that	SCONJ
framr-4075	219	7	such	such	ADJ
framr-4075	219	8	kinds	kind	NOUN
framr-4075	219	9	of	of	ADP
framr-4075	219	10	elite	elite	ADJ
framr-4075	219	11	crimes	crime	NOUN
framr-4075	219	12	are	be	AUX
framr-4075	219	13	organised	organise	VERB
framr-4075	219	14	by	by	ADP
framr-4075	219	15	the	the	DET
framr-4075	219	16	individual	individual	NOUN
framr-4075	219	17	within	within	ADP
framr-4075	219	18	the	the	DET
framr-4075	219	19	organisation	organisation	NOUN
framr-4075	219	20	for	for	ADP
framr-4075	219	21	their	their	PRON
framr-4075	219	22	own	own	ADJ
framr-4075	219	23	personal	personal	ADJ
framr-4075	219	24	enrichment	enrichment	NOUN
framr-4075	219	25	.	.	PUNCT
framr-4075	220	1	another	another	DET
framr-4075	220	2	theory	theory	NOUN
framr-4075	220	3	,	,	PUNCT
framr-4075	220	4	organisational	organisational	ADJ
framr-4075	220	5	theory	theory	NOUN
framr-4075	220	6	,	,	PUNCT
framr-4075	220	7	elucidates	elucidate	VERB
framr-4075	220	8	that	that	SCONJ
framr-4075	220	9	committing	commit	VERB
framr-4075	220	10	a	a	DET
framr-4075	220	11	crime	crime	NOUN
framr-4075	220	12	requires	require	VERB
framr-4075	220	13	a	a	DET
framr-4075	220	14	monopoly	monopoly	NOUN
framr-4075	220	15	and	and	CCONJ
framr-4075	220	16	official	official	ADJ
framr-4075	220	17	intervention	intervention	NOUN
framr-4075	220	18	where	where	SCONJ
framr-4075	220	19	the	the	DET
framr-4075	220	20	framework	framework	NOUN
framr-4075	220	21	and	and	CCONJ
framr-4075	220	22	organisation	organisation	NOUN
framr-4075	220	23	of	of	ADP
framr-4075	220	24	crime	crime	NOUN
framr-4075	220	25	occur	occur	VERB
framr-4075	220	26	(	(	PUNCT
framr-4075	220	27	chang	chang	PROPN
framr-4075	220	28	,	,	PUNCT
framr-4075	220	29	lu	lu	PROPN
framr-4075	220	30	,	,	PUNCT
framr-4075	220	31	&	&	CCONJ
framr-4075	220	32	chen	chen	PROPN
framr-4075	220	33	,	,	PUNCT
framr-4075	220	34	2005	2005	NUM
framr-4075	220	35	;	;	PUNCT
framr-4075	220	36	christie	christie	NOUN
framr-4075	220	37	,	,	PUNCT
framr-4075	220	38	1969	1969	NUM
framr-4075	220	39	)	)	PUNCT
framr-4075	220	40	.	.	PUNCT
framr-4075	221	1	finally	finally	ADV
framr-4075	221	2	,	,	PUNCT
framr-4075	221	3	managerial	managerial	ADJ
framr-4075	221	4	theory	theory	NOUN
framr-4075	221	5	refers	refer	VERB
framr-4075	221	6	to	to	ADP
framr-4075	221	7	the	the	DET
framr-4075	221	8	inclusion	inclusion	NOUN
framr-4075	221	9	of	of	ADP
framr-4075	221	10	management	management	NOUN
framr-4075	221	11	in	in	ADP
framr-4075	221	12	financial	financial	ADJ
framr-4075	221	13	crime	crime	NOUN
framr-4075	221	14	.	.	PUNCT
framr-4075	222	1	financial	financial	ADJ
framr-4075	222	2	risk	risk	NOUN
framr-4075	222	3	and	and	CCONJ
framr-4075	222	4	management	management	NOUN
framr-4075	222	5	reviews	review	NOUN
framr-4075	222	6	,	,	PUNCT
framr-4075	222	7	2025	2025	NUM
framr-4075	222	8	,	,	PUNCT
framr-4075	222	9	11(1	11(1	NUM
framr-4075	222	10	):	):	PUNCT
framr-4075	222	11	1	1	NUM
framr-4075	222	12	-	-	SYM
framr-4075	222	13	36	36	NUM
framr-4075	222	14	9	9	NUM
framr-4075	222	15	©	©	PROPN
framr-4075	222	16	2025	2025	NUM
framr-4075	222	17	conscientia	conscientia	PROPN
framr-4075	222	18	beam	beam	PROPN
framr-4075	222	19	.	.	PUNCT
framr-4075	223	1	all	all	DET
framr-4075	223	2	rights	right	NOUN
framr-4075	223	3	reserved	reserve	VERB
framr-4075	223	4	.	.	PUNCT
framr-4075	224	1	3.2	3.2	NUM
framr-4075	224	2	.	.	PUNCT
framr-4075	225	1	classification	classification	NOUN
framr-4075	225	2	of	of	ADP
framr-4075	225	3	financial	financial	ADJ
framr-4075	225	4	crime	crime	NOUN
framr-4075	225	5	financial	financial	ADJ
framr-4075	225	6	crime	crime	NOUN
framr-4075	225	7	encompasses	encompass	VERB
framr-4075	225	8	a	a	DET
framr-4075	225	9	wide	wide	ADJ
framr-4075	225	10	range	range	NOUN
framr-4075	225	11	of	of	ADP
framr-4075	225	12	illegal	illegal	ADJ
framr-4075	225	13	activities	activity	NOUN
framr-4075	225	14	with	with	ADP
framr-4075	225	15	the	the	DET
framr-4075	225	16	usage	usage	NOUN
framr-4075	225	17	of	of	ADP
framr-4075	225	18	money	money	NOUN
framr-4075	225	19	and	and	CCONJ
framr-4075	225	20	financial	financial	ADJ
framr-4075	225	21	instruments	instrument	NOUN
framr-4075	225	22	.	.	PUNCT
framr-4075	226	1	thus	thus	ADV
framr-4075	226	2	,	,	PUNCT
framr-4075	226	3	it	it	PRON
framr-4075	226	4	is	be	AUX
framr-4075	226	5	critical	critical	ADJ
framr-4075	226	6	to	to	PART
framr-4075	226	7	classify	classify	VERB
framr-4075	226	8	these	these	DET
framr-4075	226	9	crimes	crime	NOUN
framr-4075	226	10	to	to	PART
framr-4075	226	11	set	set	VERB
framr-4075	226	12	effective	effective	ADJ
framr-4075	226	13	regulations	regulation	NOUN
framr-4075	226	14	,	,	PUNCT
framr-4075	226	15	prevention	prevention	NOUN
framr-4075	226	16	policies	policy	NOUN
framr-4075	226	17	,	,	PUNCT
framr-4075	226	18	and	and	CCONJ
framr-4075	226	19	enforcement	enforcement	NOUN
framr-4075	226	20	of	of	ADP
framr-4075	226	21	rules	rule	NOUN
framr-4075	226	22	.	.	PUNCT
framr-4075	227	1	the	the	DET
framr-4075	227	2	classification	classification	NOUN
framr-4075	227	3	of	of	ADP
framr-4075	227	4	financial	financial	ADJ
framr-4075	227	5	crime	crime	NOUN
framr-4075	227	6	is	be	AUX
framr-4075	227	7	explained	explain	VERB
framr-4075	227	8	:	:	PUNCT
framr-4075	227	9	3.2.1	3.2.1	X
framr-4075	227	10	.	.	PUNCT
framr-4075	227	11	fraud	fraud	NOUN
framr-4075	227	12	fraud	fraud	NOUN
framr-4075	227	13	and	and	CCONJ
framr-4075	227	14	violation	violation	NOUN
framr-4075	227	15	of	of	ADP
framr-4075	227	16	trust	trust	NOUN
framr-4075	227	17	often	often	ADV
framr-4075	227	18	distort	distort	VERB
framr-4075	227	19	the	the	DET
framr-4075	227	20	central	central	ADJ
framr-4075	227	21	role	role	NOUN
framr-4075	227	22	of	of	ADP
framr-4075	227	23	trust	trust	NOUN
framr-4075	227	24	in	in	ADP
framr-4075	227	25	market	market	NOUN
framr-4075	227	26	facilitation	facilitation	NOUN
framr-4075	227	27	(	(	PUNCT
framr-4075	227	28	palmer	palmer	NOUN
framr-4075	227	29	,	,	PUNCT
framr-4075	227	30	2008	2008	NUM
framr-4075	227	31	;	;	PUNCT
framr-4075	227	32	yenkey	yenkey	PROPN
framr-4075	227	33	,	,	PUNCT
framr-4075	227	34	2018	2018	NUM
framr-4075	227	35	)	)	PUNCT
framr-4075	227	36	.	.	PUNCT
framr-4075	228	1	traditionally	traditionally	ADV
framr-4075	228	2	,	,	PUNCT
framr-4075	228	3	fraud	fraud	NOUN
framr-4075	228	4	encompasses	encompass	VERB
framr-4075	228	5	deceit	deceit	NOUN
framr-4075	228	6	or	or	CCONJ
framr-4075	228	7	misrepresentation	misrepresentation	NOUN
framr-4075	228	8	of	of	ADP
framr-4075	228	9	deceptive	deceptive	ADJ
framr-4075	228	10	financial	financial	ADJ
framr-4075	228	11	disclosure	disclosure	NOUN
framr-4075	228	12	through	through	ADP
framr-4075	228	13	unauthorised	unauthorised	ADJ
framr-4075	228	14	usage	usage	NOUN
framr-4075	228	15	of	of	ADP
framr-4075	228	16	credit	credit	NOUN
framr-4075	228	17	cards	card	NOUN
framr-4075	228	18	(	(	PUNCT
framr-4075	228	19	credit	credit	NOUN
framr-4075	228	20	card	card	NOUN
framr-4075	228	21	fraud	fraud	NOUN
framr-4075	228	22	)	)	PUNCT
framr-4075	228	23	,	,	PUNCT
framr-4075	228	24	deceitful	deceitful	ADJ
framr-4075	228	25	claims	claim	NOUN
framr-4075	228	26	against	against	ADP
framr-4075	228	27	insurance	insurance	NOUN
framr-4075	228	28	(	(	PUNCT
framr-4075	228	29	insurance	insurance	NOUN
framr-4075	228	30	fraud	fraud	NOUN
framr-4075	228	31	)	)	PUNCT
framr-4075	228	32	,	,	PUNCT
framr-4075	228	33	unauthorised	unauthorised	ADJ
framr-4075	228	34	transactions	transaction	NOUN
framr-4075	228	35	within	within	ADP
framr-4075	228	36	financial	financial	ADJ
framr-4075	228	37	institutes	institute	NOUN
framr-4075	228	38	(	(	PUNCT
framr-4075	228	39	bank	bank	NOUN
framr-4075	228	40	fraud	fraud	NOUN
framr-4075	228	41	)	)	PUNCT
framr-4075	228	42	,	,	PUNCT
framr-4075	228	43	and	and	CCONJ
framr-4075	228	44	so	so	ADV
framr-4075	228	45	on	on	ADV
framr-4075	228	46	(	(	PUNCT
framr-4075	228	47	reurink	reurink	VERB
framr-4075	228	48	,	,	PUNCT
framr-4075	228	49	2018	2018	NUM
framr-4075	228	50	)	)	PUNCT
framr-4075	228	51	.	.	PUNCT
framr-4075	229	1	3.2.2	3.2.2	X
framr-4075	229	2	.	.	PUNCT
framr-4075	229	3	money	money	NOUN
framr-4075	229	4	laundering	laundering	NOUN
framr-4075	229	5	apart	apart	ADV
framr-4075	229	6	from	from	ADP
framr-4075	229	7	the	the	DET
framr-4075	229	8	official	official	ADJ
framr-4075	229	9	economy	economy	NOUN
framr-4075	229	10	,	,	PUNCT
framr-4075	229	11	the	the	DET
framr-4075	229	12	criminal	criminal	ADJ
framr-4075	229	13	economy	economy	NOUN
framr-4075	229	14	is	be	AUX
framr-4075	229	15	a	a	DET
framr-4075	229	16	part	part	NOUN
framr-4075	229	17	of	of	ADP
framr-4075	229	18	the	the	DET
framr-4075	229	19	underground	underground	ADJ
framr-4075	229	20	economy	economy	NOUN
framr-4075	229	21	that	that	PRON
framr-4075	229	22	seeks	seek	VERB
framr-4075	229	23	to	to	PART
framr-4075	229	24	annihilate	annihilate	VERB
framr-4075	229	25	the	the	DET
framr-4075	229	26	business	business	NOUN
framr-4075	229	27	environment	environment	NOUN
framr-4075	229	28	through	through	ADP
framr-4075	229	29	illegal	illegal	ADJ
framr-4075	229	30	transactions	transaction	NOUN
framr-4075	229	31	for	for	ADP
framr-4075	229	32	financial	financial	ADJ
framr-4075	229	33	advantages	advantage	NOUN
framr-4075	229	34	(	(	PUNCT
framr-4075	229	35	schneider	schneider	NOUN
framr-4075	229	36	&	&	CCONJ
framr-4075	229	37	windischbauer	windischbauer	PROPN
framr-4075	229	38	,	,	PUNCT
framr-4075	229	39	2008	2008	NUM
framr-4075	229	40	)	)	PUNCT
framr-4075	229	41	.	.	PUNCT
framr-4075	230	1	hence	hence	ADV
framr-4075	230	2	,	,	PUNCT
framr-4075	230	3	money	money	NOUN
framr-4075	230	4	laundering	laundering	NOUN
framr-4075	230	5	(	(	PUNCT
framr-4075	230	6	originating	originate	VERB
framr-4075	230	7	from	from	ADP
framr-4075	230	8	the	the	DET
framr-4075	230	9	us	us	PROPN
framr-4075	230	10	)	)	PUNCT
framr-4075	230	11	is	be	AUX
framr-4075	230	12	the	the	DET
framr-4075	230	13	process	process	NOUN
framr-4075	230	14	of	of	ADP
framr-4075	230	15	laundering	launder	VERB
framr-4075	230	16	money	money	NOUN
framr-4075	230	17	or	or	CCONJ
framr-4075	230	18	profit	profit	NOUN
framr-4075	230	19	acquired	acquire	VERB
framr-4075	230	20	from	from	ADP
framr-4075	230	21	criminal	criminal	ADJ
framr-4075	230	22	activities	activity	NOUN
framr-4075	230	23	like	like	ADP
framr-4075	230	24	acquisition	acquisition	NOUN
framr-4075	230	25	and	and	CCONJ
framr-4075	230	26	possession	possession	NOUN
framr-4075	230	27	of	of	ADP
framr-4075	230	28	criminal	criminal	ADJ
framr-4075	230	29	activities	activity	NOUN
framr-4075	230	30	(	(	PUNCT
framr-4075	230	31	korejo	korejo	ADJ
framr-4075	230	32	,	,	PUNCT
framr-4075	230	33	rajamanickam	rajamanickam	NOUN
framr-4075	230	34	,	,	PUNCT
framr-4075	230	35	&	&	CCONJ
framr-4075	230	36	said	say	VERB
framr-4075	230	37	,	,	PUNCT
framr-4075	230	38	2021	2021	NUM
framr-4075	230	39	)	)	PUNCT
framr-4075	230	40	.	.	PUNCT
framr-4075	231	1	3.2.3	3.2.3	X
framr-4075	231	2	.	.	X
framr-4075	231	3	insider	insider	NOUN
framr-4075	231	4	trading	trading	NOUN
framr-4075	231	5	an	an	DET
framr-4075	231	6	inefficient	inefficient	ADJ
framr-4075	231	7	market	market	NOUN
framr-4075	231	8	for	for	ADP
framr-4075	231	9	public	public	ADJ
framr-4075	231	10	company	company	NOUN
framr-4075	231	11	stock	stock	NOUN
framr-4075	231	12	that	that	PRON
framr-4075	231	13	trades	trade	VERB
framr-4075	231	14	established	establish	VERB
framr-4075	231	15	on	on	ADP
framr-4075	231	16	material	material	NOUN
framr-4075	231	17	and	and	CCONJ
framr-4075	231	18	non	non	ADJ
framr-4075	231	19	-	-	ADJ
framr-4075	231	20	public	public	ADJ
framr-4075	231	21	information	information	NOUN
framr-4075	231	22	for	for	ADP
framr-4075	231	23	unlawful	unlawful	ADJ
framr-4075	231	24	reasons	reason	NOUN
framr-4075	231	25	is	be	AUX
framr-4075	231	26	diagnosed	diagnose	VERB
framr-4075	231	27	as	as	ADP
framr-4075	231	28	“	"	PUNCT
framr-4075	231	29	insider	insider	NOUN
framr-4075	231	30	trading	trading	NOUN
framr-4075	231	31	”	"	PUNCT
framr-4075	231	32	(	(	PUNCT
framr-4075	231	33	bhattacharya	bhattacharya	PROPN
framr-4075	231	34	&	&	CCONJ
framr-4075	231	35	daouk	daouk	PROPN
framr-4075	231	36	,	,	PUNCT
framr-4075	231	37	2002	2002	NUM
framr-4075	231	38	)	)	PUNCT
framr-4075	231	39	.	.	PUNCT
framr-4075	232	1	the	the	DET
framr-4075	232	2	unequal	unequal	ADJ
framr-4075	232	3	distribution	distribution	NOUN
framr-4075	232	4	of	of	ADP
framr-4075	232	5	information	information	NOUN
framr-4075	232	6	often	often	ADV
framr-4075	232	7	provides	provide	VERB
framr-4075	232	8	individuals	individual	NOUN
framr-4075	232	9	with	with	ADP
framr-4075	232	10	a	a	DET
framr-4075	232	11	higher	high	ADJ
framr-4075	232	12	financial	financial	ADJ
framr-4075	232	13	advantage	advantage	NOUN
framr-4075	232	14	than	than	ADP
framr-4075	232	15	general	general	ADJ
framr-4075	232	16	people	people	NOUN
framr-4075	232	17	.	.	PUNCT
framr-4075	233	1	3.2.4	3.2.4	NUM
framr-4075	233	2	.	.	PUNCT
framr-4075	233	3	bribery	bribery	NOUN
framr-4075	233	4	and	and	CCONJ
framr-4075	233	5	corruption	corruption	NOUN
framr-4075	233	6	one	one	NUM
framr-4075	233	7	of	of	ADP
framr-4075	233	8	the	the	DET
framr-4075	233	9	most	most	ADV
framr-4075	233	10	significant	significant	ADJ
framr-4075	233	11	impairments	impairment	NOUN
framr-4075	233	12	in	in	ADP
framr-4075	233	13	the	the	DET
framr-4075	233	14	development	development	NOUN
framr-4075	233	15	of	of	ADP
framr-4075	233	16	a	a	DET
framr-4075	233	17	country	country	NOUN
framr-4075	233	18	is	be	AUX
framr-4075	233	19	bribery	bribery	NOUN
framr-4075	233	20	,	,	PUNCT
framr-4075	233	21	the	the	DET
framr-4075	233	22	worst	bad	ADJ
framr-4075	233	23	form	form	NOUN
framr-4075	233	24	of	of	ADP
framr-4075	233	25	corruption	corruption	NOUN
framr-4075	233	26	.	.	PUNCT
framr-4075	234	1	there	there	PRON
framr-4075	234	2	is	be	VERB
framr-4075	234	3	a	a	DET
framr-4075	234	4	lack	lack	NOUN
framr-4075	234	5	of	of	ADP
framr-4075	234	6	comparability	comparability	NOUN
framr-4075	234	7	between	between	ADP
framr-4075	234	8	the	the	DET
framr-4075	234	9	revenue	revenue	NOUN
framr-4075	234	10	stemming	stem	VERB
framr-4075	234	11	from	from	ADP
framr-4075	234	12	bribery	bribery	NOUN
framr-4075	234	13	and	and	CCONJ
framr-4075	234	14	the	the	DET
framr-4075	234	15	cost	cost	NOUN
framr-4075	234	16	of	of	ADP
framr-4075	234	17	it	it	PRON
framr-4075	234	18	(	(	PUNCT
framr-4075	234	19	loughman	loughman	NOUN
framr-4075	234	20	&	&	CCONJ
framr-4075	234	21	sibery	sibery	PROPN
framr-4075	234	22	,	,	PUNCT
framr-4075	234	23	2011	2011	NUM
framr-4075	234	24	)	)	PUNCT
framr-4075	234	25	.	.	PUNCT
framr-4075	235	1	the	the	DET
framr-4075	235	2	main	main	ADJ
framr-4075	235	3	motivation	motivation	NOUN
framr-4075	235	4	behind	behind	ADP
framr-4075	235	5	such	such	ADJ
framr-4075	235	6	financial	financial	ADJ
framr-4075	235	7	crime	crime	NOUN
framr-4075	235	8	is	be	AUX
framr-4075	235	9	known	know	VERB
framr-4075	235	10	as	as	ADP
framr-4075	235	11	efficient	efficient	ADJ
framr-4075	235	12	corruption	corruption	NOUN
framr-4075	235	13	,	,	PUNCT
framr-4075	235	14	bribery	bribery	NOUN
framr-4075	235	15	to	to	PART
framr-4075	235	16	reduce	reduce	VERB
framr-4075	235	17	the	the	DET
framr-4075	235	18	bureaucratic	bureaucratic	ADJ
framr-4075	235	19	system	system	NOUN
framr-4075	235	20	(	(	PUNCT
framr-4075	235	21	fisman	fisman	NOUN
framr-4075	235	22	&	&	CCONJ
framr-4075	235	23	svensson	svensson	PROPN
framr-4075	235	24	,	,	PUNCT
framr-4075	235	25	2007	2007	NUM
framr-4075	235	26	)	)	PUNCT
framr-4075	235	27	.	.	PUNCT
framr-4075	236	1	3.2.5	3.2.5	X
framr-4075	236	2	.	.	PUNCT
framr-4075	237	1	tax	tax	NOUN
framr-4075	237	2	evasion	evasion	NOUN
framr-4075	237	3	tax	tax	NOUN
framr-4075	237	4	evasion	evasion	NOUN
framr-4075	237	5	is	be	AUX
framr-4075	237	6	an	an	DET
framr-4075	237	7	illegal	illegal	ADJ
framr-4075	237	8	framework	framework	NOUN
framr-4075	237	9	of	of	ADP
framr-4075	237	10	tax	tax	NOUN
framr-4075	237	11	when	when	SCONJ
framr-4075	237	12	an	an	DET
framr-4075	237	13	individual	individual	NOUN
framr-4075	237	14	does	do	AUX
framr-4075	237	15	not	not	PART
framr-4075	237	16	present	present	VERB
framr-4075	237	17	the	the	DET
framr-4075	237	18	information	information	NOUN
framr-4075	237	19	relating	relate	VERB
framr-4075	237	20	to	to	ADP
framr-4075	237	21	revenue	revenue	NOUN
framr-4075	237	22	stemming	stem	VERB
framr-4075	237	23	from	from	ADP
framr-4075	237	24	labour	labour	NOUN
framr-4075	237	25	and	and	CCONJ
framr-4075	237	26	capital	capital	NOUN
framr-4075	237	27	(	(	PUNCT
framr-4075	237	28	principle	principle	NOUN
framr-4075	237	29	taxable	taxable	ADJ
framr-4075	237	30	)	)	PUNCT
framr-4075	237	31	(	(	PUNCT
framr-4075	237	32	sandmo	sandmo	NOUN
framr-4075	237	33	,	,	PUNCT
framr-4075	237	34	2005	2005	NUM
framr-4075	237	35	)	)	PUNCT
framr-4075	237	36	.	.	PUNCT
framr-4075	238	1	such	such	ADJ
framr-4075	238	2	kind	kind	NOUN
framr-4075	238	3	of	of	ADP
framr-4075	238	4	financial	financial	ADJ
framr-4075	238	5	crime	crime	NOUN
framr-4075	238	6	is	be	AUX
framr-4075	238	7	known	know	VERB
framr-4075	238	8	as	as	ADP
framr-4075	238	9	a	a	DET
framr-4075	238	10	federal	federal	ADJ
framr-4075	238	11	crime	crime	NOUN
framr-4075	238	12	,	,	PUNCT
framr-4075	238	13	and	and	CCONJ
framr-4075	238	14	a	a	DET
framr-4075	238	15	person	person	NOUN
framr-4075	238	16	committing	commit	VERB
framr-4075	238	17	tax	tax	NOUN
framr-4075	238	18	evasion	evasion	NOUN
framr-4075	238	19	is	be	AUX
framr-4075	238	20	subjected	subject	VERB
framr-4075	238	21	to	to	ADP
framr-4075	238	22	a	a	DET
framr-4075	238	23	prison	prison	NOUN
framr-4075	238	24	sentence	sentence	NOUN
framr-4075	238	25	(	(	PUNCT
framr-4075	238	26	slemrod	slemrod	NOUN
framr-4075	238	27	,	,	PUNCT
framr-4075	238	28	2007	2007	NUM
framr-4075	238	29	)	)	PUNCT
framr-4075	238	30	.	.	PUNCT
framr-4075	239	1	3.2.6	3.2.6	NUM
framr-4075	239	2	.	.	NOUN
framr-4075	239	3	cybercrime	cybercrime	NOUN
framr-4075	239	4	cyberspace	cyberspace	NOUN
framr-4075	239	5	has	have	AUX
framr-4075	239	6	been	be	AUX
framr-4075	239	7	used	use	VERB
framr-4075	239	8	as	as	ADP
framr-4075	239	9	a	a	DET
framr-4075	239	10	financial	financial	ADJ
framr-4075	239	11	crime	crime	NOUN
framr-4075	239	12	with	with	ADP
framr-4075	239	13	the	the	DET
framr-4075	239	14	usage	usage	NOUN
framr-4075	239	15	of	of	ADP
framr-4075	239	16	financial	financial	ADJ
framr-4075	239	17	and	and	CCONJ
framr-4075	239	18	hacking	hack	VERB
framr-4075	239	19	tools	tool	NOUN
framr-4075	239	20	for	for	ADP
framr-4075	239	21	annihilating	annihilate	VERB
framr-4075	239	22	social	social	ADJ
framr-4075	239	23	engineering	engineering	NOUN
framr-4075	239	24	for	for	ADP
framr-4075	239	25	illegal	illegal	ADJ
framr-4075	239	26	economic	economic	ADJ
framr-4075	239	27	gain	gain	NOUN
framr-4075	239	28	.	.	PUNCT
framr-4075	240	1	here	here	ADV
framr-4075	240	2	,	,	PUNCT
framr-4075	240	3	the	the	DET
framr-4075	240	4	term	term	NOUN
framr-4075	240	5	“	"	PUNCT
framr-4075	240	6	cybercrime	cybercrime	NOUN
framr-4075	240	7	”	"	PUNCT
framr-4075	240	8	is	be	AUX
framr-4075	240	9	introduced	introduce	VERB
framr-4075	240	10	,	,	PUNCT
framr-4075	240	11	which	which	PRON
framr-4075	240	12	encapsulates	encapsulate	VERB
framr-4075	240	13	all	all	PRON
framr-4075	240	14	of	of	ADP
framr-4075	240	15	these	these	DET
framr-4075	240	16	factors	factor	NOUN
framr-4075	240	17	(	(	PUNCT
framr-4075	240	18	hasham	hasham	VERB
framr-4075	240	19	et	et	PROPN
framr-4075	240	20	al	al	PROPN
framr-4075	240	21	.	.	PROPN
framr-4075	240	22	,	,	PUNCT
framr-4075	240	23	2019	2019	NUM
framr-4075	240	24	)	)	PUNCT
framr-4075	240	25	.	.	PUNCT
framr-4075	241	1	the	the	DET
framr-4075	241	2	profit	profit	NOUN
framr-4075	241	3	-	-	PUNCT
framr-4075	241	4	driven	drive	VERB
framr-4075	241	5	cybercrime	cybercrime	NOUN
framr-4075	241	6	compels	compel	VERB
framr-4075	241	7	financial	financial	ADJ
framr-4075	241	8	institutes	institute	NOUN
framr-4075	241	9	like	like	SCONJ
framr-4075	241	10	banks	bank	NOUN
framr-4075	241	11	to	to	PART
framr-4075	241	12	use	use	VERB
framr-4075	241	13	inhouse	inhouse	NOUN
framr-4075	241	14	-	-	PUNCT
framr-4075	241	15	developed	develop	VERB
framr-4075	241	16	tools	tool	NOUN
framr-4075	241	17	for	for	ADP
framr-4075	241	18	the	the	DET
framr-4075	241	19	protection	protection	NOUN
framr-4075	241	20	of	of	ADP
framr-4075	241	21	financial	financial	ADJ
framr-4075	241	22	information	information	NOUN
framr-4075	241	23	(	(	PUNCT
framr-4075	241	24	nicholls	nicholl	NOUN
framr-4075	241	25	et	et	NOUN
framr-4075	241	26	al	al	PROPN
framr-4075	241	27	.	.	PROPN
framr-4075	241	28	,	,	PUNCT
framr-4075	241	29	2021	2021	NUM
framr-4075	241	30	)	)	PUNCT
framr-4075	241	31	.	.	PUNCT
framr-4075	242	1	3.3	3.3	NUM
framr-4075	242	2	.	.	PUNCT
framr-4075	242	3	methods	method	NOUN
framr-4075	242	4	and	and	CCONJ
framr-4075	242	5	mechanism	mechanism	NOUN
framr-4075	242	6	of	of	ADP
framr-4075	242	7	financial	financial	ADJ
framr-4075	242	8	crime	crime	NOUN
framr-4075	242	9	determining	determine	VERB
framr-4075	242	10	the	the	DET
framr-4075	242	11	methods	method	NOUN
framr-4075	242	12	of	of	ADP
framr-4075	242	13	financial	financial	ADJ
framr-4075	242	14	crime	crime	NOUN
framr-4075	242	15	is	be	AUX
framr-4075	242	16	the	the	DET
framr-4075	242	17	pillar	pillar	NOUN
framr-4075	242	18	of	of	ADP
framr-4075	242	19	developing	develop	VERB
framr-4075	242	20	mitigation	mitigation	NOUN
framr-4075	242	21	strategies	strategy	NOUN
framr-4075	242	22	.	.	PUNCT
framr-4075	243	1	on	on	ADP
framr-4075	243	2	the	the	DET
framr-4075	243	3	other	other	ADJ
framr-4075	243	4	hand	hand	NOUN
framr-4075	243	5	,	,	PUNCT
framr-4075	243	6	different	different	ADJ
framr-4075	243	7	financial	financial	ADJ
framr-4075	243	8	crimes	crime	NOUN
framr-4075	243	9	have	have	VERB
framr-4075	243	10	different	different	ADJ
framr-4075	243	11	mechanisms	mechanism	NOUN
framr-4075	243	12	by	by	ADP
framr-4075	243	13	which	which	PRON
framr-4075	243	14	benefactors	benefactor	NOUN
framr-4075	243	15	ensure	ensure	VERB
framr-4075	243	16	illicit	illicit	ADJ
framr-4075	243	17	cash	cash	NOUN
framr-4075	243	18	flow	flow	NOUN
framr-4075	243	19	.	.	PUNCT
framr-4075	244	1	financial	financial	ADJ
framr-4075	244	2	risk	risk	NOUN
framr-4075	244	3	and	and	CCONJ
framr-4075	244	4	management	management	NOUN
framr-4075	244	5	reviews	review	NOUN
framr-4075	244	6	,	,	PUNCT
framr-4075	244	7	2025	2025	NUM
framr-4075	244	8	,	,	PUNCT
framr-4075	244	9	11(1	11(1	NUM
framr-4075	244	10	):	):	PUNCT
framr-4075	244	11	1	1	NUM
framr-4075	244	12	-	-	SYM
framr-4075	244	13	36	36	NUM
framr-4075	244	14	10	10	NUM
framr-4075	244	15	©	©	PROPN
framr-4075	244	16	2025	2025	NUM
framr-4075	244	17	conscientia	conscientia	PROPN
framr-4075	244	18	beam	beam	PROPN
framr-4075	244	19	.	.	PUNCT
framr-4075	245	1	all	all	DET
framr-4075	245	2	rights	right	NOUN
framr-4075	245	3	reserved	reserve	VERB
framr-4075	245	4	.	.	PUNCT
framr-4075	246	1	3.3.1	3.3.1	X
framr-4075	246	2	.	.	PUNCT
framr-4075	246	3	fraud	fraud	NOUN
framr-4075	246	4	embezzlement	embezzlement	NOUN
framr-4075	246	5	,	,	PUNCT
framr-4075	246	6	ponzi	ponzi	ADP
framr-4075	246	7	schemes	scheme	NOUN
framr-4075	246	8	,	,	PUNCT
framr-4075	246	9	and	and	CCONJ
framr-4075	246	10	accounting	accounting	NOUN
framr-4075	246	11	fraud	fraud	NOUN
framr-4075	246	12	are	be	AUX
framr-4075	246	13	the	the	DET
framr-4075	246	14	most	most	ADV
framr-4075	246	15	common	common	ADJ
framr-4075	246	16	methods	method	NOUN
framr-4075	246	17	of	of	ADP
framr-4075	246	18	fraud	fraud	NOUN
framr-4075	246	19	to	to	PART
framr-4075	246	20	acquire	acquire	VERB
framr-4075	246	21	illegitimate	illegitimate	ADJ
framr-4075	246	22	gain	gain	NOUN
framr-4075	246	23	.	.	PUNCT
framr-4075	247	1	embezzlement	embezzlement	NOUN
framr-4075	247	2	is	be	AUX
framr-4075	247	3	the	the	DET
framr-4075	247	4	process	process	NOUN
framr-4075	247	5	of	of	ADP
framr-4075	247	6	misappropriating	misappropriate	VERB
framr-4075	247	7	funds	fund	NOUN
framr-4075	247	8	or	or	CCONJ
framr-4075	247	9	assets	asset	NOUN
framr-4075	247	10	through	through	ADP
framr-4075	247	11	falsifying	falsify	VERB
framr-4075	247	12	records	record	NOUN
framr-4075	247	13	,	,	PUNCT
framr-4075	247	14	diverting	divert	VERB
framr-4075	247	15	funds	fund	NOUN
framr-4075	247	16	,	,	PUNCT
framr-4075	247	17	and	and	CCONJ
framr-4075	247	18	generating	generate	VERB
framr-4075	247	19	fake	fake	ADJ
framr-4075	247	20	expenses	expense	NOUN
framr-4075	247	21	by	by	ADP
framr-4075	247	22	the	the	DET
framr-4075	247	23	employees	employee	NOUN
framr-4075	247	24	.	.	PUNCT
framr-4075	248	1	the	the	DET
framr-4075	248	2	unauthorised	unauthorised	ADJ
framr-4075	248	3	use	use	NOUN
framr-4075	248	4	of	of	ADP
framr-4075	248	5	funds	fund	NOUN
framr-4075	248	6	and	and	CCONJ
framr-4075	248	7	assets	asset	NOUN
framr-4075	248	8	leads	lead	VERB
framr-4075	248	9	to	to	ADP
framr-4075	248	10	breaches	breach	NOUN
framr-4075	248	11	of	of	ADP
framr-4075	248	12	trust	trust	NOUN
framr-4075	248	13	where	where	SCONJ
framr-4075	248	14	the	the	DET
framr-4075	248	15	fund	fund	NOUN
framr-4075	248	16	from	from	ADP
framr-4075	248	17	normal	normal	ADJ
framr-4075	248	18	operations	operation	NOUN
framr-4075	248	19	is	be	AUX
framr-4075	248	20	used	use	VERB
framr-4075	248	21	as	as	ADP
framr-4075	248	22	an	an	DET
framr-4075	248	23	illegitimate	illegitimate	ADJ
framr-4075	248	24	financial	financial	ADJ
framr-4075	248	25	gain	gain	NOUN
framr-4075	248	26	for	for	ADP
framr-4075	248	27	embezzlers	embezzler	NOUN
framr-4075	248	28	(	(	PUNCT
framr-4075	248	29	medhi	medhi	PROPN
framr-4075	248	30	,	,	PUNCT
framr-4075	248	31	singh	singh	PROPN
framr-4075	248	32	,	,	PUNCT
framr-4075	248	33	goswami	goswami	PROPN
framr-4075	248	34	,	,	PUNCT
framr-4075	248	35	&	&	CCONJ
framr-4075	248	36	singh	singh	PROPN
framr-4075	248	37	,	,	PUNCT
framr-4075	248	38	2024	2024	NUM
framr-4075	248	39	)	)	PUNCT
framr-4075	248	40	.	.	PUNCT
framr-4075	249	1	another	another	DET
framr-4075	249	2	method	method	NOUN
framr-4075	249	3	of	of	ADP
framr-4075	249	4	financial	financial	ADJ
framr-4075	249	5	fraud	fraud	NOUN
framr-4075	249	6	is	be	AUX
framr-4075	249	7	a	a	DET
framr-4075	249	8	ponzi	ponzi	NOUN
framr-4075	249	9	scheme	scheme	NOUN
framr-4075	249	10	,	,	PUNCT
framr-4075	249	11	where	where	SCONJ
framr-4075	249	12	the	the	DET
framr-4075	249	13	profit	profit	NOUN
framr-4075	249	14	of	of	ADP
framr-4075	249	15	shareholders	shareholder	NOUN
framr-4075	249	16	is	be	AUX
framr-4075	249	17	provided	provide	VERB
framr-4075	249	18	from	from	ADP
framr-4075	249	19	the	the	DET
framr-4075	249	20	capital	capital	NOUN
framr-4075	249	21	of	of	ADP
framr-4075	249	22	new	new	ADJ
framr-4075	249	23	shareholders	shareholder	NOUN
framr-4075	249	24	rather	rather	ADV
framr-4075	249	25	than	than	ADP
framr-4075	249	26	the	the	DET
framr-4075	249	27	profit	profit	NOUN
framr-4075	249	28	from	from	ADP
framr-4075	249	29	operations	operation	NOUN
framr-4075	249	30	.	.	PUNCT
framr-4075	250	1	accounting	accounting	NOUN
framr-4075	250	2	fraud	fraud	NOUN
framr-4075	250	3	is	be	AUX
framr-4075	250	4	the	the	DET
framr-4075	250	5	process	process	NOUN
framr-4075	250	6	of	of	ADP
framr-4075	250	7	manipulation	manipulation	NOUN
framr-4075	250	8	of	of	ADP
framr-4075	250	9	financial	financial	ADJ
framr-4075	250	10	information	information	NOUN
framr-4075	250	11	(	(	PUNCT
framr-4075	250	12	inflating	inflate	VERB
framr-4075	250	13	reimbursement	reimbursement	NOUN
framr-4075	250	14	,	,	PUNCT
framr-4075	250	15	concealing	conceal	VERB
framr-4075	250	16	expenses	expense	NOUN
framr-4075	250	17	,	,	PUNCT
framr-4075	250	18	and	and	CCONJ
framr-4075	250	19	misstating	misstate	VERB
framr-4075	250	20	assets	asset	NOUN
framr-4075	250	21	and	and	CCONJ
framr-4075	250	22	liabilities	liability	NOUN
framr-4075	250	23	)	)	PUNCT
framr-4075	250	24	to	to	PART
framr-4075	250	25	represent	represent	VERB
framr-4075	250	26	a	a	DET
framr-4075	250	27	false	false	ADJ
framr-4075	250	28	picture	picture	NOUN
framr-4075	250	29	of	of	ADP
framr-4075	250	30	financial	financial	ADJ
framr-4075	250	31	health	health	NOUN
framr-4075	250	32	(	(	PUNCT
framr-4075	250	33	bhasin	bhasin	PROPN
framr-4075	250	34	,	,	PUNCT
framr-4075	250	35	2016	2016	NUM
framr-4075	250	36	;	;	PUNCT
framr-4075	250	37	chorvatovičová	chorvatovičová	PROPN
framr-4075	250	38	&	&	CCONJ
framr-4075	250	39	saxunová	saxunová	PROPN
framr-4075	250	40	,	,	PUNCT
framr-4075	250	41	2016	2016	NUM
framr-4075	250	42	)	)	PUNCT
framr-4075	250	43	.	.	PUNCT
framr-4075	251	1	3.3.2	3.3.2	X
framr-4075	251	2	.	.	X
framr-4075	251	3	money	money	NOUN
framr-4075	251	4	laundering	launder	VERB
framr-4075	251	5	the	the	DET
framr-4075	251	6	rate	rate	NOUN
framr-4075	251	7	of	of	ADP
framr-4075	251	8	money	money	NOUN
framr-4075	251	9	laundering	laundering	NOUN
framr-4075	251	10	is	be	AUX
framr-4075	251	11	enhancing	enhance	VERB
framr-4075	251	12	along	along	ADP
framr-4075	251	13	with	with	ADP
framr-4075	251	14	the	the	DET
framr-4075	251	15	advancement	advancement	NOUN
framr-4075	251	16	of	of	ADP
framr-4075	251	17	information	information	NOUN
framr-4075	251	18	technology	technology	NOUN
framr-4075	251	19	.	.	PUNCT
framr-4075	252	1	it	it	PRON
framr-4075	252	2	is	be	AUX
framr-4075	252	3	the	the	DET
framr-4075	252	4	process	process	NOUN
framr-4075	252	5	of	of	ADP
framr-4075	252	6	transferring	transfer	VERB
framr-4075	252	7	illicit	illicit	ADJ
framr-4075	252	8	cash	cash	NOUN
framr-4075	252	9	flow	flow	NOUN
framr-4075	252	10	for	for	ADP
framr-4075	252	11	financial	financial	ADJ
framr-4075	252	12	gain	gain	NOUN
framr-4075	252	13	(	(	PUNCT
framr-4075	252	14	korejo	korejo	PROPN
framr-4075	252	15	et	et	PROPN
framr-4075	252	16	al	al	PROPN
framr-4075	252	17	.	.	PROPN
framr-4075	252	18	,	,	PUNCT
framr-4075	252	19	2021	2021	NUM
framr-4075	252	20	)	)	PUNCT
framr-4075	252	21	.	.	PUNCT
framr-4075	253	1	at	at	ADP
framr-4075	253	2	first	first	ADV
framr-4075	253	3	,	,	PUNCT
framr-4075	253	4	in	in	ADP
framr-4075	253	5	the	the	DET
framr-4075	253	6	placement	placement	NOUN
framr-4075	253	7	phase	phase	NOUN
framr-4075	253	8	,	,	PUNCT
framr-4075	253	9	by	by	ADP
framr-4075	253	10	cash	cash	NOUN
framr-4075	253	11	deposits	deposit	NOUN
framr-4075	253	12	,	,	PUNCT
framr-4075	253	13	wire	wire	NOUN
framr-4075	253	14	transfers	transfer	NOUN
framr-4075	253	15	,	,	PUNCT
framr-4075	253	16	and	and	CCONJ
framr-4075	253	17	purchasing	purchase	VERB
framr-4075	253	18	high	high	ADJ
framr-4075	253	19	-	-	PUNCT
framr-4075	253	20	value	value	NOUN
framr-4075	253	21	assets	asset	NOUN
framr-4075	253	22	,	,	PUNCT
framr-4075	253	23	perpetrators	perpetrator	NOUN
framr-4075	253	24	introduce	introduce	VERB
framr-4075	253	25	illicit	illicit	ADJ
framr-4075	253	26	funds	fund	NOUN
framr-4075	253	27	into	into	ADP
framr-4075	253	28	the	the	DET
framr-4075	253	29	financial	financial	ADJ
framr-4075	253	30	system	system	NOUN
framr-4075	253	31	(	(	PUNCT
framr-4075	253	32	villányi	villányi	NOUN
framr-4075	253	33	,	,	PUNCT
framr-4075	253	34	2021	2021	NUM
framr-4075	253	35	)	)	PUNCT
framr-4075	253	36	.	.	PUNCT
framr-4075	254	1	then	then	ADV
framr-4075	254	2	,	,	PUNCT
framr-4075	254	3	in	in	ADP
framr-4075	254	4	the	the	DET
framr-4075	254	5	layering	layering	NOUN
framr-4075	254	6	phase	phase	NOUN
framr-4075	254	7	,	,	PUNCT
framr-4075	254	8	to	to	PART
framr-4075	254	9	obscure	obscure	VERB
framr-4075	254	10	the	the	DET
framr-4075	254	11	origin	origin	NOUN
framr-4075	254	12	of	of	ADP
framr-4075	254	13	the	the	DET
framr-4075	254	14	fund	fund	NOUN
framr-4075	254	15	,	,	PUNCT
framr-4075	254	16	a	a	DET
framr-4075	254	17	complex	complex	ADJ
framr-4075	254	18	scheme	scheme	NOUN
framr-4075	254	19	of	of	ADP
framr-4075	254	20	wire	wire	NOUN
framr-4075	254	21	or	or	CCONJ
framr-4075	254	22	financial	financial	ADJ
framr-4075	254	23	transactions	transaction	NOUN
framr-4075	254	24	,	,	PUNCT
framr-4075	254	25	like	like	ADP
framr-4075	254	26	foreign	foreign	ADJ
framr-4075	254	27	money	money	NOUN
framr-4075	254	28	orders	order	NOUN
framr-4075	254	29	,	,	PUNCT
framr-4075	254	30	offshore	offshore	ADJ
framr-4075	254	31	accounts	account	NOUN
framr-4075	254	32	,	,	PUNCT
framr-4075	254	33	and	and	CCONJ
framr-4075	254	34	multiple	multiple	ADJ
framr-4075	254	35	transactions	transaction	NOUN
framr-4075	254	36	,	,	PUNCT
framr-4075	254	37	are	be	AUX
framr-4075	254	38	made	make	VERB
framr-4075	254	39	.	.	PUNCT
framr-4075	255	1	finally	finally	ADV
framr-4075	255	2	,	,	PUNCT
framr-4075	255	3	in	in	ADP
framr-4075	255	4	the	the	DET
framr-4075	255	5	integrating	integrating	NOUN
framr-4075	255	6	phase	phase	NOUN
framr-4075	255	7	,	,	PUNCT
framr-4075	255	8	by	by	ADP
framr-4075	255	9	investing	invest	VERB
framr-4075	255	10	in	in	ADP
framr-4075	255	11	real	real	ADJ
framr-4075	255	12	estate	estate	NOUN
framr-4075	255	13	and	and	CCONJ
framr-4075	255	14	luxury	luxury	NOUN
framr-4075	255	15	goods	good	NOUN
framr-4075	255	16	,	,	PUNCT
framr-4075	255	17	the	the	DET
framr-4075	255	18	laundered	launder	VERB
framr-4075	255	19	money	money	NOUN
framr-4075	255	20	is	be	AUX
framr-4075	255	21	integrated	integrate	VERB
framr-4075	255	22	into	into	ADP
framr-4075	255	23	the	the	DET
framr-4075	255	24	economy	economy	NOUN
framr-4075	255	25	,	,	PUNCT
framr-4075	255	26	which	which	PRON
framr-4075	255	27	is	be	AUX
framr-4075	255	28	difficult	difficult	ADJ
framr-4075	255	29	to	to	PART
framr-4075	255	30	distinguish	distinguish	VERB
framr-4075	255	31	(	(	PUNCT
framr-4075	255	32	boles	bole	NOUN
framr-4075	255	33	,	,	PUNCT
framr-4075	255	34	2017	2017	NUM
framr-4075	255	35	)	)	PUNCT
framr-4075	255	36	.	.	PUNCT
framr-4075	256	1	3.3.3	3.3.3	NUM
framr-4075	256	2	.	.	PUNCT
framr-4075	256	3	cybercrime	cybercrime	NOUN
framr-4075	256	4	phishing	phishing	NOUN
framr-4075	256	5	,	,	PUNCT
framr-4075	256	6	ransomware	ransomware	NOUN
framr-4075	256	7	,	,	PUNCT
framr-4075	256	8	and	and	CCONJ
framr-4075	256	9	hacking	hacking	NOUN
framr-4075	256	10	are	be	AUX
framr-4075	256	11	the	the	DET
framr-4075	256	12	methods	method	NOUN
framr-4075	256	13	of	of	ADP
framr-4075	256	14	cybercrime	cybercrime	NOUN
framr-4075	256	15	.	.	PUNCT
framr-4075	257	1	phishing	phishe	VERB
framr-4075	257	2	is	be	AUX
framr-4075	257	3	the	the	DET
framr-4075	257	4	process	process	NOUN
framr-4075	257	5	of	of	ADP
framr-4075	257	6	obtaining	obtain	VERB
framr-4075	257	7	sensitive	sensitive	ADJ
framr-4075	257	8	information	information	NOUN
framr-4075	257	9	by	by	ADP
framr-4075	257	10	entering	enter	VERB
framr-4075	257	11	as	as	ADP
framr-4075	257	12	a	a	DET
framr-4075	257	13	trustworthy	trustworthy	ADJ
framr-4075	257	14	entity	entity	NOUN
framr-4075	257	15	in	in	ADP
framr-4075	257	16	the	the	DET
framr-4075	257	17	electronic	electronic	ADJ
framr-4075	257	18	community	community	NOUN
framr-4075	257	19	(	(	PUNCT
framr-4075	257	20	alkhalil	alkhalil	PROPN
framr-4075	257	21	,	,	PUNCT
framr-4075	257	22	hewage	hewage	NOUN
framr-4075	257	23	,	,	PUNCT
framr-4075	257	24	nawaf	nawaf	NOUN
framr-4075	257	25	,	,	PUNCT
framr-4075	257	26	&	&	CCONJ
framr-4075	257	27	khan	khan	PROPN
framr-4075	257	28	,	,	PUNCT
framr-4075	257	29	2021	2021	NUM
framr-4075	257	30	)	)	PUNCT
framr-4075	257	31	.	.	PUNCT
framr-4075	258	1	on	on	ADP
framr-4075	258	2	the	the	DET
framr-4075	258	3	other	other	ADJ
framr-4075	258	4	hand	hand	NOUN
framr-4075	258	5	,	,	PUNCT
framr-4075	258	6	ransomware	ransomware	NOUN
framr-4075	258	7	,	,	PUNCT
framr-4075	258	8	malicious	malicious	ADJ
framr-4075	258	9	software	software	NOUN
framr-4075	258	10	,	,	PUNCT
framr-4075	258	11	encrypts	encrypt	VERB
framr-4075	258	12	the	the	DET
framr-4075	258	13	data	datum	NOUN
framr-4075	258	14	of	of	ADP
framr-4075	258	15	the	the	DET
framr-4075	258	16	victim	victim	NOUN
framr-4075	258	17	and	and	CCONJ
framr-4075	258	18	demands	demand	VERB
framr-4075	258	19	ransom	ransom	NOUN
framr-4075	258	20	to	to	PART
framr-4075	258	21	restore	restore	VERB
framr-4075	258	22	access	access	NOUN
framr-4075	258	23	(	(	PUNCT
framr-4075	258	24	o'kane	o'kane	PROPN
framr-4075	258	25	,	,	PUNCT
framr-4075	258	26	sezer	sezer	NOUN
framr-4075	258	27	,	,	PUNCT
framr-4075	258	28	&	&	CCONJ
framr-4075	258	29	carlin	carlin	PROPN
framr-4075	258	30	,	,	PUNCT
framr-4075	258	31	2018	2018	NUM
framr-4075	258	32	)	)	PUNCT
framr-4075	258	33	.	.	PUNCT
framr-4075	259	1	unauthorised	unauthorised	ADJ
framr-4075	259	2	access	access	NOUN
framr-4075	259	3	to	to	ADP
framr-4075	259	4	computer	computer	NOUN
framr-4075	259	5	systems	system	NOUN
framr-4075	259	6	to	to	PART
framr-4075	259	7	steal	steal	VERB
framr-4075	259	8	,	,	PUNCT
framr-4075	259	9	alter	alter	VERB
framr-4075	259	10	,	,	PUNCT
framr-4075	259	11	or	or	CCONJ
framr-4075	259	12	destroy	destroy	VERB
framr-4075	259	13	data	datum	NOUN
framr-4075	259	14	or	or	CCONJ
framr-4075	259	15	to	to	PART
framr-4075	259	16	disrupt	disrupt	VERB
framr-4075	259	17	operations	operation	NOUN
framr-4075	259	18	is	be	AUX
framr-4075	259	19	known	know	VERB
framr-4075	259	20	as	as	ADP
framr-4075	259	21	“	"	PUNCT
framr-4075	259	22	hacking	hack	VERB
framr-4075	259	23	”	"	PUNCT
framr-4075	259	24	(	(	PUNCT
framr-4075	259	25	goni	goni	PROPN
framr-4075	259	26	&	&	CCONJ
framr-4075	259	27	alam	alam	PROPN
framr-4075	259	28	,	,	PUNCT
framr-4075	259	29	2022	2022	NUM
framr-4075	259	30	)	)	PUNCT
framr-4075	259	31	.	.	PUNCT
framr-4075	260	1	3.4	3.4	NUM
framr-4075	260	2	.	.	PUNCT
framr-4075	260	3	impact	impact	NOUN
framr-4075	260	4	on	on	ADP
framr-4075	260	5	financial	financial	ADJ
framr-4075	260	6	institutes	institute	NOUN
framr-4075	260	7	there	there	PRON
framr-4075	260	8	is	be	VERB
framr-4075	260	9	a	a	DET
framr-4075	260	10	multifaceted	multifaceted	ADJ
framr-4075	260	11	and	and	CCONJ
framr-4075	260	12	profound	profound	ADJ
framr-4075	260	13	impact	impact	NOUN
framr-4075	260	14	on	on	ADP
framr-4075	260	15	financial	financial	ADJ
framr-4075	260	16	institutions	institution	NOUN
framr-4075	260	17	due	due	ADP
framr-4075	260	18	to	to	ADP
framr-4075	260	19	the	the	DET
framr-4075	260	20	increasing	increase	VERB
framr-4075	260	21	rate	rate	NOUN
framr-4075	260	22	of	of	ADP
framr-4075	260	23	financial	financial	ADJ
framr-4075	260	24	crime	crime	NOUN
framr-4075	260	25	.	.	PUNCT
framr-4075	261	1	as	as	SCONJ
framr-4075	261	2	financial	financial	ADJ
framr-4075	261	3	crime	crime	NOUN
framr-4075	261	4	encapsulates	encapsulate	VERB
framr-4075	261	5	a	a	DET
framr-4075	261	6	wide	wide	ADJ
framr-4075	261	7	range	range	NOUN
framr-4075	261	8	of	of	ADP
framr-4075	261	9	illegal	illegal	ADJ
framr-4075	261	10	activities	activity	NOUN
framr-4075	261	11	,	,	PUNCT
framr-4075	261	12	it	it	PRON
framr-4075	261	13	has	have	VERB
framr-4075	261	14	a	a	DET
framr-4075	261	15	significant	significant	ADJ
framr-4075	261	16	influence	influence	NOUN
framr-4075	261	17	(	(	PUNCT
framr-4075	261	18	both	both	PRON
framr-4075	261	19	directly	directly	ADV
framr-4075	261	20	and	and	CCONJ
framr-4075	261	21	indirectly	indirectly	ADV
framr-4075	261	22	)	)	PUNCT
framr-4075	261	23	on	on	ADP
framr-4075	261	24	financial	financial	ADJ
framr-4075	261	25	institutes	institute	NOUN
framr-4075	261	26	.	.	PUNCT
framr-4075	262	1	here	here	ADV
framr-4075	262	2	,	,	PUNCT
framr-4075	262	3	some	some	PRON
framr-4075	262	4	of	of	ADP
framr-4075	262	5	them	they	PRON
framr-4075	262	6	are	be	AUX
framr-4075	262	7	depicted	depict	VERB
framr-4075	262	8	.	.	PUNCT
framr-4075	263	1	figure	figure	NOUN
framr-4075	263	2	1	1	NUM
framr-4075	263	3	demonstrates	demonstrate	VERB
framr-4075	263	4	the	the	DET
framr-4075	263	5	impact	impact	NOUN
framr-4075	263	6	of	of	ADP
framr-4075	263	7	financial	financial	ADJ
framr-4075	263	8	crimes	crime	NOUN
framr-4075	263	9	on	on	ADP
framr-4075	263	10	financial	financial	ADJ
framr-4075	263	11	institutions	institution	NOUN
framr-4075	263	12	.	.	PUNCT
framr-4075	264	1	direct	direct	ADJ
framr-4075	264	2	financial	financial	ADJ
framr-4075	264	3	losses	loss	NOUN
framr-4075	264	4	,	,	PUNCT
framr-4075	264	5	operational	operational	ADJ
framr-4075	264	6	impact	impact	NOUN
framr-4075	264	7	,	,	PUNCT
framr-4075	264	8	strategic	strategic	ADJ
framr-4075	264	9	and	and	CCONJ
framr-4075	264	10	competitive	competitive	ADJ
framr-4075	264	11	impact	impact	NOUN
framr-4075	264	12	,	,	PUNCT
framr-4075	264	13	and	and	CCONJ
framr-4075	264	14	reputational	reputational	ADJ
framr-4075	264	15	damage	damage	NOUN
framr-4075	264	16	are	be	AUX
framr-4075	264	17	the	the	DET
framr-4075	264	18	major	major	ADJ
framr-4075	264	19	financial	financial	ADJ
framr-4075	264	20	crimes	crime	NOUN
framr-4075	264	21	.	.	PUNCT
framr-4075	265	1	figure	figure	NOUN
framr-4075	265	2	1	1	NUM
framr-4075	265	3	.	.	PUNCT
framr-4075	266	1	impact	impact	NOUN
framr-4075	266	2	of	of	ADP
framr-4075	266	3	financial	financial	ADJ
framr-4075	266	4	crimes	crime	NOUN
framr-4075	266	5	on	on	ADP
framr-4075	266	6	financial	financial	ADJ
framr-4075	266	7	institutes	institute	NOUN
framr-4075	266	8	.	.	PUNCT
framr-4075	267	1	financial	financial	ADJ
framr-4075	267	2	risk	risk	NOUN
framr-4075	267	3	and	and	CCONJ
framr-4075	267	4	management	management	NOUN
framr-4075	267	5	reviews	review	NOUN
framr-4075	267	6	,	,	PUNCT
framr-4075	267	7	2025	2025	NUM
framr-4075	267	8	,	,	PUNCT
framr-4075	267	9	11(1	11(1	NUM
framr-4075	267	10	):	):	PUNCT
framr-4075	267	11	1	1	NUM
framr-4075	267	12	-	-	SYM
framr-4075	267	13	36	36	NUM
framr-4075	267	14	11	11	NUM
framr-4075	267	15	©	©	PROPN
framr-4075	267	16	2025	2025	NUM
framr-4075	267	17	conscientia	conscientia	PROPN
framr-4075	267	18	beam	beam	PROPN
framr-4075	267	19	.	.	PUNCT
framr-4075	268	1	all	all	DET
framr-4075	268	2	rights	right	NOUN
framr-4075	268	3	reserved	reserve	VERB
framr-4075	268	4	.	.	PUNCT
framr-4075	269	1	3.4.1	3.4.1	X
framr-4075	269	2	.	.	X
framr-4075	269	3	direct	direct	ADJ
framr-4075	269	4	financial	financial	ADJ
framr-4075	269	5	loss	loss	NOUN
framr-4075	269	6	financial	financial	ADJ
framr-4075	269	7	institutes	institute	NOUN
framr-4075	269	8	face	face	VERB
framr-4075	269	9	monetary	monetary	ADJ
framr-4075	269	10	losses	loss	NOUN
framr-4075	269	11	for	for	ADP
framr-4075	269	12	the	the	DET
framr-4075	269	13	occurrence	occurrence	NOUN
framr-4075	269	14	of	of	ADP
framr-4075	269	15	financial	financial	ADJ
framr-4075	269	16	fraud	fraud	NOUN
framr-4075	269	17	and	and	CCONJ
framr-4075	269	18	embezzlement	embezzlement	NOUN
framr-4075	269	19	.	.	PUNCT
framr-4075	270	1	financial	financial	ADJ
framr-4075	270	2	misconduct	misconduct	NOUN
framr-4075	270	3	leads	lead	VERB
framr-4075	270	4	to	to	ADP
framr-4075	270	5	the	the	DET
framr-4075	270	6	financial	financial	ADJ
framr-4075	270	7	failure	failure	NOUN
framr-4075	270	8	of	of	ADP
framr-4075	270	9	the	the	DET
framr-4075	270	10	misconduct	misconduct	NOUN
framr-4075	270	11	of	of	ADP
framr-4075	270	12	financial	financial	ADJ
framr-4075	270	13	controller	controller	NOUN
framr-4075	270	14	(	(	PUNCT
framr-4075	270	15	tomasic	tomasic	NOUN
framr-4075	270	16	,	,	PUNCT
framr-4075	270	17	2011	2011	NUM
framr-4075	270	18	)	)	PUNCT
framr-4075	270	19	.	.	PUNCT
framr-4075	271	1	therefore	therefore	ADV
framr-4075	271	2	,	,	PUNCT
framr-4075	271	3	the	the	DET
framr-4075	271	4	amount	amount	NOUN
framr-4075	271	5	of	of	ADP
framr-4075	271	6	investment	investment	NOUN
framr-4075	271	7	in	in	ADP
framr-4075	271	8	the	the	DET
framr-4075	271	9	productive	productive	ADJ
framr-4075	271	10	sector	sector	NOUN
framr-4075	271	11	often	often	ADV
framr-4075	271	12	lessens	lessen	VERB
framr-4075	271	13	which	which	PRON
framr-4075	271	14	erodes	erode	VERB
framr-4075	271	15	the	the	DET
framr-4075	271	16	profitability	profitability	NOUN
framr-4075	271	17	of	of	ADP
framr-4075	271	18	financial	financial	ADJ
framr-4075	271	19	institutes	institute	NOUN
framr-4075	271	20	and	and	CCONJ
framr-4075	271	21	thus	thus	ADV
framr-4075	271	22	,	,	PUNCT
framr-4075	271	23	the	the	DET
framr-4075	271	24	path	path	NOUN
framr-4075	271	25	ends	end	VERB
framr-4075	271	26	with	with	ADP
framr-4075	271	27	the	the	DET
framr-4075	271	28	erosion	erosion	NOUN
framr-4075	271	29	of	of	ADP
framr-4075	271	30	net	net	ADJ
framr-4075	271	31	worth	worth	NOUN
framr-4075	271	32	(	(	PUNCT
framr-4075	271	33	gelb	gelb	NOUN
framr-4075	271	34	,	,	PUNCT
framr-4075	271	35	1989	1989	NUM
framr-4075	271	36	)	)	PUNCT
framr-4075	271	37	.	.	PUNCT
framr-4075	272	1	3.4.2	3.4.2	X
framr-4075	272	2	.	.	PUNCT
framr-4075	272	3	reputational	reputational	ADJ
framr-4075	272	4	damage	damage	NOUN
framr-4075	272	5	when	when	SCONJ
framr-4075	272	6	an	an	DET
framr-4075	272	7	organisation	organisation	NOUN
framr-4075	272	8	is	be	AUX
framr-4075	272	9	subjected	subject	VERB
framr-4075	272	10	to	to	ADP
framr-4075	272	11	sanctions	sanction	NOUN
framr-4075	272	12	for	for	ADP
framr-4075	272	13	misleading	mislead	VERB
framr-4075	272	14	financial	financial	ADJ
framr-4075	272	15	information	information	NOUN
framr-4075	272	16	,	,	PUNCT
framr-4075	272	17	shareholders	shareholder	NOUN
framr-4075	272	18	are	be	AUX
framr-4075	272	19	the	the	DET
framr-4075	272	20	most	most	ADV
framr-4075	272	21	vulnerable	vulnerable	ADJ
framr-4075	272	22	stakeholders	stakeholder	NOUN
framr-4075	272	23	that	that	PRON
framr-4075	272	24	face	face	VERB
framr-4075	272	25	financial	financial	ADJ
framr-4075	272	26	loss	loss	NOUN
framr-4075	272	27	,	,	PUNCT
framr-4075	272	28	including	include	VERB
framr-4075	272	29	a	a	DET
framr-4075	272	30	decreasing	decrease	VERB
framr-4075	272	31	share	share	NOUN
framr-4075	272	32	price	price	NOUN
framr-4075	272	33	.	.	PUNCT
framr-4075	273	1	furthermore	furthermore	ADV
framr-4075	273	2	,	,	PUNCT
framr-4075	273	3	according	accord	VERB
framr-4075	273	4	to	to	ADP
framr-4075	273	5	the	the	DET
framr-4075	273	6	basel	basel	PROPN
framr-4075	273	7	committee	committee	PROPN
framr-4075	273	8	of	of	ADP
framr-4075	273	9	banking	banking	PROPN
framr-4075	273	10	supervision	supervision	NOUN
framr-4075	273	11	,	,	PUNCT
framr-4075	273	12	the	the	DET
framr-4075	273	13	financial	financial	PROPN
framr-4075	273	14	institute	institute	PROPN
framr-4075	273	15	has	have	VERB
framr-4075	273	16	to	to	PART
framr-4075	273	17	face	face	VERB
framr-4075	273	18	stricter	strict	ADJ
framr-4075	273	19	regulations	regulation	NOUN
framr-4075	273	20	and	and	CCONJ
framr-4075	273	21	higher	high	ADJ
framr-4075	273	22	compliance	compliance	NOUN
framr-4075	273	23	costs	cost	NOUN
framr-4075	273	24	(	(	PUNCT
framr-4075	273	25	karpoff	karpoff	PROPN
framr-4075	273	26	,	,	PUNCT
framr-4075	273	27	lee	lee	PROPN
framr-4075	273	28	,	,	PUNCT
framr-4075	273	29	&	&	CCONJ
framr-4075	273	30	martin	martin	PROPN
framr-4075	273	31	,	,	PUNCT
framr-4075	273	32	2008	2008	NUM
framr-4075	273	33	;	;	PUNCT
framr-4075	273	34	supervision	supervision	NOUN
framr-4075	273	35	,	,	PUNCT
framr-4075	273	36	2011	2011	NUM
framr-4075	273	37	)	)	PUNCT
framr-4075	273	38	.	.	PUNCT
framr-4075	274	1	3.4.3	3.4.3	X
framr-4075	274	2	.	.	PUNCT
framr-4075	275	1	operational	operational	ADJ
framr-4075	275	2	impact	impact	NOUN
framr-4075	275	3	senior	senior	ADJ
framr-4075	275	4	corporate	corporate	ADJ
framr-4075	275	5	managers	manager	NOUN
framr-4075	275	6	of	of	ADP
framr-4075	275	7	the	the	DET
framr-4075	275	8	financial	financial	ADJ
framr-4075	275	9	institutes	institute	NOUN
framr-4075	275	10	have	have	VERB
framr-4075	275	11	to	to	PART
framr-4075	275	12	breach	breach	VERB
framr-4075	275	13	compliance	compliance	NOUN
framr-4075	275	14	with	with	ADP
framr-4075	275	15	the	the	DET
framr-4075	275	16	regulations	regulation	NOUN
framr-4075	275	17	.	.	PUNCT
framr-4075	276	1	hence	hence	ADV
framr-4075	276	2	,	,	PUNCT
framr-4075	276	3	there	there	PRON
framr-4075	276	4	is	be	VERB
framr-4075	276	5	a	a	DET
framr-4075	276	6	requirement	requirement	NOUN
framr-4075	276	7	for	for	ADP
framr-4075	276	8	both	both	CCONJ
framr-4075	276	9	technological	technological	ADJ
framr-4075	276	10	and	and	CCONJ
framr-4075	276	11	intellectual	intellectual	ADJ
framr-4075	276	12	resources	resource	NOUN
framr-4075	276	13	for	for	ADP
framr-4075	276	14	efficient	efficient	ADJ
framr-4075	276	15	operation	operation	NOUN
framr-4075	276	16	(	(	PUNCT
framr-4075	276	17	tomasic	tomasic	NOUN
framr-4075	276	18	,	,	PUNCT
framr-4075	276	19	2011	2011	NUM
framr-4075	276	20	)	)	PUNCT
framr-4075	276	21	.	.	PUNCT
framr-4075	277	1	in	in	ADP
framr-4075	277	2	addition	addition	NOUN
framr-4075	277	3	,	,	PUNCT
framr-4075	277	4	certain	certain	ADJ
framr-4075	277	5	services	service	NOUN
framr-4075	277	6	and	and	CCONJ
framr-4075	277	7	operations	operation	NOUN
framr-4075	277	8	may	may	AUX
framr-4075	277	9	not	not	PART
framr-4075	277	10	be	be	AUX
framr-4075	277	11	available	available	ADJ
framr-4075	277	12	due	due	ADP
framr-4075	277	13	to	to	ADP
framr-4075	277	14	the	the	DET
framr-4075	277	15	investigation	investigation	NOUN
framr-4075	277	16	of	of	ADP
framr-4075	277	17	financial	financial	ADJ
framr-4075	277	18	crime	crime	NOUN
framr-4075	277	19	like	like	ADP
framr-4075	277	20	white	white	PROPN
framr-4075	277	21	collar	collar	PROPN
framr-4075	277	22	crime	crime	NOUN
framr-4075	277	23	(	(	PUNCT
framr-4075	277	24	pickett	pickett	PROPN
framr-4075	277	25	&	&	CCONJ
framr-4075	277	26	pickett	pickett	PROPN
framr-4075	277	27	,	,	PUNCT
framr-4075	277	28	2002	2002	NUM
framr-4075	277	29	)	)	PUNCT
framr-4075	277	30	.	.	PUNCT
framr-4075	278	1	3.4.4	3.4.4	X
framr-4075	278	2	.	.	PUNCT
framr-4075	279	1	strategic	strategic	ADJ
framr-4075	279	2	and	and	CCONJ
framr-4075	279	3	competitive	competitive	ADJ
framr-4075	279	4	impact	impact	NOUN
framr-4075	279	5	after	after	ADP
framr-4075	279	6	the	the	DET
framr-4075	279	7	investigation	investigation	NOUN
framr-4075	279	8	of	of	ADP
framr-4075	279	9	financial	financial	ADJ
framr-4075	279	10	crime	crime	NOUN
framr-4075	279	11	,	,	PUNCT
framr-4075	279	12	the	the	DET
framr-4075	279	13	financial	financial	ADJ
framr-4075	279	14	institutes	institute	NOUN
framr-4075	279	15	will	will	AUX
framr-4075	279	16	face	face	VERB
framr-4075	279	17	the	the	DET
framr-4075	279	18	reduction	reduction	NOUN
framr-4075	279	19	of	of	ADP
framr-4075	279	20	competitive	competitive	ADJ
framr-4075	279	21	edge	edge	NOUN
framr-4075	279	22	due	due	ADP
framr-4075	279	23	to	to	ADP
framr-4075	279	24	financial	financial	ADJ
framr-4075	279	25	disruption	disruption	NOUN
framr-4075	279	26	or	or	CCONJ
framr-4075	279	27	economic	economic	ADJ
framr-4075	279	28	damage	damage	NOUN
framr-4075	279	29	and	and	CCONJ
framr-4075	279	30	losses	loss	NOUN
framr-4075	279	31	of	of	ADP
framr-4075	279	32	market	market	NOUN
framr-4075	279	33	share	share	NOUN
framr-4075	279	34	(	(	PUNCT
framr-4075	279	35	crockett	crockett	PROPN
framr-4075	279	36	,	,	PUNCT
framr-4075	279	37	1996	1996	NUM
framr-4075	279	38	;	;	PUNCT
framr-4075	279	39	financial	financial	ADJ
framr-4075	279	40	crisis	crisis	NOUN
framr-4075	279	41	inquiry	inquiry	NOUN
framr-4075	279	42	commission	commission	NOUN
framr-4075	279	43	,	,	PUNCT
framr-4075	279	44	2011	2011	NUM
framr-4075	279	45	)	)	PUNCT
framr-4075	279	46	.	.	PUNCT
framr-4075	280	1	to	to	PART
framr-4075	280	2	revive	revive	VERB
framr-4075	280	3	from	from	ADP
framr-4075	280	4	the	the	DET
framr-4075	280	5	situation	situation	NOUN
framr-4075	280	6	,	,	PUNCT
framr-4075	280	7	a	a	DET
framr-4075	280	8	long	long	ADJ
framr-4075	280	9	-	-	PUNCT
framr-4075	280	10	term	term	NOUN
framr-4075	280	11	strategic	strategic	ADJ
framr-4075	280	12	solution	solution	NOUN
framr-4075	280	13	,	,	PUNCT
framr-4075	280	14	consisting	consist	VERB
framr-4075	280	15	of	of	ADP
framr-4075	280	16	a	a	DET
framr-4075	280	17	new	new	ADJ
framr-4075	280	18	business	business	NOUN
framr-4075	280	19	model	model	NOUN
framr-4075	280	20	and	and	CCONJ
framr-4075	280	21	technology	technology	NOUN
framr-4075	280	22	,	,	PUNCT
framr-4075	280	23	is	be	AUX
framr-4075	280	24	required	require	VERB
framr-4075	280	25	.	.	PUNCT
framr-4075	281	1	3.5	3.5	NUM
framr-4075	281	2	.	.	PUNCT
framr-4075	282	1	social	social	ADJ
framr-4075	282	2	and	and	CCONJ
framr-4075	282	3	economic	economic	ADJ
framr-4075	282	4	impacts	impact	NOUN
framr-4075	282	5	for	for	ADP
framr-4075	282	6	individual	individual	ADJ
framr-4075	282	7	,	,	PUNCT
framr-4075	282	8	corporation	corporation	NOUN
framr-4075	282	9	and	and	CCONJ
framr-4075	282	10	whole	whole	ADJ
framr-4075	282	11	economy	economy	NOUN
framr-4075	282	12	the	the	DET
framr-4075	282	13	social	social	ADJ
framr-4075	282	14	and	and	CCONJ
framr-4075	282	15	economic	economic	ADJ
framr-4075	282	16	impact	impact	NOUN
framr-4075	282	17	of	of	ADP
framr-4075	282	18	financial	financial	ADJ
framr-4075	282	19	crime	crime	NOUN
framr-4075	282	20	is	be	AUX
framr-4075	282	21	extensive	extensive	ADJ
framr-4075	282	22	,	,	PUNCT
framr-4075	282	23	and	and	CCONJ
framr-4075	282	24	it	it	PRON
framr-4075	282	25	widens	widen	VERB
framr-4075	282	26	the	the	DET
framr-4075	282	27	social	social	ADJ
framr-4075	282	28	and	and	CCONJ
framr-4075	282	29	economic	economic	ADJ
framr-4075	282	30	challenges	challenge	NOUN
framr-4075	282	31	along	along	ADP
framr-4075	282	32	with	with	ADP
framr-4075	282	33	the	the	DET
framr-4075	282	34	reduction	reduction	NOUN
framr-4075	282	35	of	of	ADP
framr-4075	282	36	the	the	DET
framr-4075	282	37	confidence	confidence	NOUN
framr-4075	282	38	of	of	ADP
framr-4075	282	39	investors	investor	NOUN
framr-4075	282	40	.	.	PUNCT
framr-4075	283	1	individuals	individual	NOUN
framr-4075	283	2	may	may	AUX
framr-4075	283	3	suffer	suffer	VERB
framr-4075	283	4	direct	direct	ADJ
framr-4075	283	5	financial	financial	ADJ
framr-4075	283	6	losses	loss	NOUN
framr-4075	283	7	like	like	ADP
framr-4075	283	8	asset	asset	NOUN
framr-4075	283	9	erosion	erosion	NOUN
framr-4075	283	10	and	and	CCONJ
framr-4075	283	11	credit	credit	NOUN
framr-4075	283	12	card	card	NOUN
framr-4075	283	13	fraud	fraud	NOUN
framr-4075	283	14	due	due	ADP
framr-4075	283	15	to	to	ADP
framr-4075	283	16	identity	identity	NOUN
framr-4075	283	17	theft	theft	NOUN
framr-4075	283	18	and	and	CCONJ
framr-4075	283	19	cybercrime	cybercrime	NOUN
framr-4075	283	20	(	(	PUNCT
framr-4075	283	21	nicholls	nicholl	NOUN
framr-4075	283	22	et	et	PROPN
framr-4075	283	23	al	al	PROPN
framr-4075	283	24	.	.	PROPN
framr-4075	283	25	,	,	PUNCT
framr-4075	283	26	2021	2021	NUM
framr-4075	283	27	;	;	PUNCT
framr-4075	283	28	reurink	reurink	VERB
framr-4075	283	29	,	,	PUNCT
framr-4075	283	30	2018	2018	NUM
framr-4075	283	31	)	)	PUNCT
framr-4075	283	32	.	.	PUNCT
framr-4075	284	1	along	along	ADP
framr-4075	284	2	with	with	ADP
framr-4075	284	3	psychological	psychological	ADJ
framr-4075	284	4	impact	impact	NOUN
framr-4075	284	5	(	(	PUNCT
framr-4075	284	6	anxiety	anxiety	NOUN
framr-4075	284	7	and	and	CCONJ
framr-4075	284	8	stress	stress	NOUN
framr-4075	284	9	due	due	ADP
framr-4075	284	10	to	to	ADP
framr-4075	284	11	lack	lack	NOUN
framr-4075	284	12	of	of	ADP
framr-4075	284	13	security	security	NOUN
framr-4075	284	14	)	)	PUNCT
framr-4075	284	15	,	,	PUNCT
framr-4075	284	16	it	it	PRON
framr-4075	284	17	will	will	AUX
framr-4075	284	18	have	have	VERB
framr-4075	284	19	a	a	DET
framr-4075	284	20	detrimental	detrimental	ADJ
framr-4075	284	21	impact	impact	NOUN
framr-4075	284	22	on	on	ADP
framr-4075	284	23	victims	victim	NOUN
framr-4075	284	24	.	.	PUNCT
framr-4075	285	1	on	on	ADP
framr-4075	285	2	corporations	corporation	NOUN
framr-4075	285	3	,	,	PUNCT
framr-4075	285	4	the	the	DET
framr-4075	285	5	multilevel	multilevel	ADJ
framr-4075	285	6	impact	impact	NOUN
framr-4075	285	7	of	of	ADP
framr-4075	285	8	financial	financial	ADJ
framr-4075	285	9	crime	crime	NOUN
framr-4075	285	10	is	be	AUX
framr-4075	285	11	divided	divide	VERB
framr-4075	285	12	into	into	ADP
framr-4075	285	13	direct	direct	ADJ
framr-4075	285	14	financial	financial	ADJ
framr-4075	285	15	loss	loss	NOUN
framr-4075	285	16	,	,	PUNCT
framr-4075	285	17	reputational	reputational	ADJ
framr-4075	285	18	losses	loss	NOUN
framr-4075	285	19	,	,	PUNCT
framr-4075	285	20	operational	operational	ADJ
framr-4075	285	21	impact	impact	NOUN
framr-4075	285	22	,	,	PUNCT
framr-4075	285	23	and	and	CCONJ
framr-4075	285	24	strategic	strategic	ADJ
framr-4075	285	25	and	and	CCONJ
framr-4075	285	26	competitive	competitive	ADJ
framr-4075	285	27	impact	impact	NOUN
framr-4075	285	28	.	.	PUNCT
framr-4075	286	1	organisations	organisation	NOUN
framr-4075	286	2	suffer	suffer	VERB
framr-4075	286	3	monetary	monetary	ADJ
framr-4075	286	4	losses	loss	NOUN
framr-4075	286	5	due	due	ADJ
framr-4075	286	6	to	to	ADP
framr-4075	286	7	incidents	incident	NOUN
framr-4075	286	8	of	of	ADP
framr-4075	286	9	financial	financial	ADJ
framr-4075	286	10	fraud	fraud	NOUN
framr-4075	286	11	and	and	CCONJ
framr-4075	286	12	embezzlement	embezzlement	NOUN
framr-4075	286	13	.	.	PUNCT
framr-4075	287	1	such	such	ADJ
framr-4075	287	2	financial	financial	ADJ
framr-4075	287	3	misconduct	misconduct	NOUN
framr-4075	287	4	can	can	AUX
framr-4075	287	5	result	result	VERB
framr-4075	287	6	in	in	ADP
framr-4075	287	7	the	the	DET
framr-4075	287	8	financial	financial	ADJ
framr-4075	287	9	downfall	downfall	NOUN
framr-4075	287	10	of	of	ADP
framr-4075	287	11	those	those	PRON
framr-4075	287	12	responsible	responsible	ADJ
framr-4075	287	13	for	for	ADP
framr-4075	287	14	overseeing	oversee	VERB
framr-4075	287	15	financial	financial	ADJ
framr-4075	287	16	activities	activity	NOUN
framr-4075	287	17	(	(	PUNCT
framr-4075	287	18	gelb	gelb	NOUN
framr-4075	287	19	,	,	PUNCT
framr-4075	287	20	1989	1989	NUM
framr-4075	287	21	;	;	PUNCT
framr-4075	287	22	tomasic	tomasic	NOUN
framr-4075	287	23	,	,	PUNCT
framr-4075	287	24	2011	2011	NUM
framr-4075	287	25	)	)	PUNCT
framr-4075	287	26	.	.	PUNCT
framr-4075	288	1	furthermore	furthermore	ADV
framr-4075	288	2	,	,	PUNCT
framr-4075	288	3	they	they	PRON
framr-4075	288	4	lost	lose	VERB
framr-4075	288	5	the	the	DET
framr-4075	288	6	trust	trust	NOUN
framr-4075	288	7	of	of	ADP
framr-4075	288	8	the	the	DET
framr-4075	288	9	shareholders	shareholder	NOUN
framr-4075	288	10	and	and	CCONJ
framr-4075	288	11	investors	investor	NOUN
framr-4075	288	12	,	,	PUNCT
framr-4075	288	13	which	which	PRON
framr-4075	288	14	caused	cause	VERB
framr-4075	288	15	reputational	reputational	ADJ
framr-4075	288	16	or	or	CCONJ
framr-4075	288	17	social	social	ADJ
framr-4075	288	18	damage	damage	NOUN
framr-4075	288	19	.	.	PUNCT
framr-4075	289	1	financial	financial	ADJ
framr-4075	289	2	crime	crime	NOUN
framr-4075	289	3	has	have	VERB
framr-4075	289	4	an	an	DET
framr-4075	289	5	extensive	extensive	ADJ
framr-4075	289	6	negative	negative	ADJ
framr-4075	289	7	impact	impact	NOUN
framr-4075	289	8	on	on	ADP
framr-4075	289	9	the	the	DET
framr-4075	289	10	economy	economy	NOUN
framr-4075	289	11	.	.	PUNCT
framr-4075	290	1	financial	financial	ADJ
framr-4075	290	2	or	or	CCONJ
framr-4075	290	3	economic	economic	ADJ
framr-4075	290	4	crimes	crime	NOUN
framr-4075	290	5	are	be	AUX
framr-4075	290	6	the	the	DET
framr-4075	290	7	portion	portion	NOUN
framr-4075	290	8	of	of	ADP
framr-4075	290	9	both	both	CCONJ
framr-4075	290	10	individual	individual	ADJ
framr-4075	290	11	and	and	CCONJ
framr-4075	290	12	structural	structural	ADJ
framr-4075	290	13	variables	variable	NOUN
framr-4075	290	14	(	(	PUNCT
framr-4075	290	15	saddiq	saddiq	NOUN
framr-4075	290	16	&	&	CCONJ
framr-4075	290	17	abu	abu	PROPN
framr-4075	290	18	bakar	bakar	PROPN
framr-4075	290	19	,	,	PUNCT
framr-4075	290	20	2019	2019	NUM
framr-4075	290	21	)	)	PUNCT
framr-4075	290	22	.	.	PUNCT
framr-4075	291	1	crimes	crime	NOUN
framr-4075	291	2	like	like	ADP
framr-4075	291	3	corruption	corruption	NOUN
framr-4075	291	4	disrupt	disrupt	VERB
framr-4075	291	5	the	the	DET
framr-4075	291	6	social	social	ADJ
framr-4075	291	7	welfare	welfare	NOUN
framr-4075	291	8	of	of	ADP
framr-4075	291	9	developing	develop	VERB
framr-4075	291	10	and	and	CCONJ
framr-4075	291	11	emerging	emerge	VERB
framr-4075	291	12	countries	country	NOUN
framr-4075	291	13	,	,	PUNCT
framr-4075	291	14	which	which	PRON
framr-4075	291	15	lowers	lower	VERB
framr-4075	291	16	economic	economic	ADJ
framr-4075	291	17	growth	growth	NOUN
framr-4075	291	18	(	(	PUNCT
framr-4075	291	19	uma	uma	PROPN
framr-4075	291	20	&	&	CCONJ
framr-4075	291	21	eboh	eboh	PROPN
framr-4075	291	22	,	,	PUNCT
framr-4075	291	23	2013	2013	NUM
framr-4075	291	24	)	)	PUNCT
framr-4075	291	25	.	.	PUNCT
framr-4075	292	1	in	in	ADP
framr-4075	292	2	financial	financial	ADJ
framr-4075	292	3	crime	crime	NOUN
framr-4075	292	4	,	,	PUNCT
framr-4075	292	5	benefactors	benefactor	NOUN
framr-4075	292	6	are	be	AUX
framr-4075	292	7	the	the	DET
framr-4075	292	8	organisations	organisation	NOUN
framr-4075	292	9	or	or	CCONJ
framr-4075	292	10	noteworthy	noteworthy	ADJ
framr-4075	292	11	figures	figure	NOUN
framr-4075	292	12	,	,	PUNCT
framr-4075	292	13	and	and	CCONJ
framr-4075	292	14	victims	victim	NOUN
framr-4075	292	15	are	be	AUX
framr-4075	292	16	individuals	individual	NOUN
framr-4075	292	17	or	or	CCONJ
framr-4075	292	18	clusters	cluster	NOUN
framr-4075	292	19	of	of	ADP
framr-4075	292	20	individuals	individual	NOUN
framr-4075	292	21	who	who	PRON
framr-4075	292	22	bear	bear	VERB
framr-4075	292	23	the	the	DET
framr-4075	292	24	economic	economic	ADJ
framr-4075	292	25	cost	cost	NOUN
framr-4075	292	26	(	(	PUNCT
framr-4075	292	27	saddiq	saddiq	NOUN
framr-4075	292	28	&	&	CCONJ
framr-4075	292	29	abu	abu	PROPN
framr-4075	292	30	bakar	bakar	PROPN
framr-4075	292	31	,	,	PUNCT
framr-4075	292	32	2019	2019	NUM
framr-4075	292	33	)	)	PUNCT
framr-4075	292	34	.	.	PUNCT
framr-4075	293	1	therefore	therefore	ADV
framr-4075	293	2	,	,	PUNCT
framr-4075	293	3	the	the	DET
framr-4075	293	4	economic	economic	ADJ
framr-4075	293	5	inequality	inequality	NOUN
framr-4075	293	6	between	between	ADP
framr-4075	293	7	benefactors	benefactor	NOUN
framr-4075	293	8	and	and	CCONJ
framr-4075	293	9	victims	victim	NOUN
framr-4075	293	10	is	be	AUX
framr-4075	293	11	widened	widen	VERB
framr-4075	293	12	.	.	PUNCT
framr-4075	294	1	in	in	ADP
framr-4075	294	2	addition	addition	NOUN
framr-4075	294	3	,	,	PUNCT
framr-4075	294	4	money	money	NOUN
framr-4075	294	5	laundering	laundering	NOUN
framr-4075	294	6	and	and	CCONJ
framr-4075	294	7	corruption	corruption	NOUN
framr-4075	294	8	can	can	AUX
framr-4075	294	9	undermine	undermine	VERB
framr-4075	294	10	economic	economic	ADJ
framr-4075	294	11	development	development	NOUN
framr-4075	294	12	and	and	CCONJ
framr-4075	294	13	stability	stability	NOUN
framr-4075	294	14	(	(	PUNCT
framr-4075	294	15	bartlett	bartlett	PROPN
framr-4075	294	16	,	,	PUNCT
framr-4075	294	17	2002	2002	NUM
framr-4075	294	18	)	)	PUNCT
framr-4075	294	19	.	.	PUNCT
framr-4075	295	1	4	4	X
framr-4075	295	2	.	.	X
framr-4075	295	3	positive	positive	ADJ
framr-4075	295	4	impacts	impact	NOUN
framr-4075	295	5	of	of	ADP
framr-4075	295	6	fintech	fintech	NOUN
framr-4075	295	7	on	on	ADP
framr-4075	295	8	financial	financial	ADJ
framr-4075	295	9	crime	crime	NOUN
framr-4075	295	10	prevention	prevention	NOUN
framr-4075	295	11	4.1	4.1	NUM
framr-4075	295	12	.	.	PUNCT
framr-4075	296	1	enhanced	enhance	VERB
framr-4075	296	2	fraud	fraud	NOUN
framr-4075	296	3	detection	detection	NOUN
framr-4075	296	4	ai	ai	AUX
framr-4075	296	5	plays	play	VERB
framr-4075	296	6	a	a	DET
framr-4075	296	7	major	major	ADJ
framr-4075	296	8	role	role	NOUN
framr-4075	296	9	in	in	ADP
framr-4075	296	10	cloud	cloud	NOUN
framr-4075	296	11	-	-	PUNCT
framr-4075	296	12	based	base	VERB
framr-4075	296	13	fintech	fintech	NOUN
framr-4075	296	14	apps	app	NOUN
framr-4075	296	15	'	'	PART
framr-4075	296	16	ability	ability	NOUN
framr-4075	296	17	to	to	PART
framr-4075	296	18	avoid	avoid	VERB
framr-4075	296	19	fraud	fraud	NOUN
framr-4075	296	20	.	.	PUNCT
framr-4075	297	1	large	large	ADJ
framr-4075	297	2	-	-	PUNCT
framr-4075	297	3	scale	scale	NOUN
framr-4075	297	4	datasets	dataset	NOUN
framr-4075	297	5	may	may	AUX
framr-4075	297	6	be	be	AUX
framr-4075	297	7	processed	process	VERB
framr-4075	297	8	by	by	ADP
framr-4075	297	9	machine	machine	NOUN
framr-4075	297	10	learning	learning	NOUN
framr-4075	297	11	algorithms	algorithm	NOUN
framr-4075	297	12	,	,	PUNCT
framr-4075	297	13	which	which	PRON
framr-4075	297	14	can	can	AUX
framr-4075	297	15	identify	identify	VERB
framr-4075	297	16	patterns	pattern	NOUN
framr-4075	297	17	linked	link	VERB
framr-4075	297	18	to	to	ADP
framr-4075	297	19	criminal	criminal	ADJ
framr-4075	297	20	actions	action	NOUN
framr-4075	297	21	,	,	PUNCT
framr-4075	297	22	including	include	VERB
framr-4075	297	23	credit	credit	NOUN
framr-4075	297	24	card	card	NOUN
framr-4075	297	25	fraud	fraud	NOUN
framr-4075	297	26	,	,	PUNCT
framr-4075	297	27	financial	financial	ADJ
framr-4075	297	28	risk	risk	NOUN
framr-4075	297	29	and	and	CCONJ
framr-4075	297	30	management	management	NOUN
framr-4075	297	31	reviews	review	NOUN
framr-4075	297	32	,	,	PUNCT
framr-4075	297	33	2025	2025	NUM
framr-4075	297	34	,	,	PUNCT
framr-4075	297	35	11(1	11(1	NUM
framr-4075	297	36	):	):	PUNCT
framr-4075	297	37	1	1	NUM
framr-4075	297	38	-	-	SYM
framr-4075	297	39	36	36	NUM
framr-4075	297	40	12	12	NUM
framr-4075	297	41	©	©	PROPN
framr-4075	297	42	2025	2025	NUM
framr-4075	297	43	conscientia	conscientia	PROPN
framr-4075	297	44	beam	beam	PROPN
framr-4075	297	45	.	.	PUNCT
framr-4075	298	1	all	all	DET
framr-4075	298	2	rights	right	NOUN
framr-4075	298	3	reserved	reserve	VERB
framr-4075	298	4	.	.	PUNCT
framr-4075	299	1	identity	identity	NOUN
framr-4075	299	2	theft	theft	NOUN
framr-4075	299	3	,	,	PUNCT
framr-4075	299	4	and	and	CCONJ
framr-4075	299	5	account	account	NOUN
framr-4075	299	6	takeovers	takeover	NOUN
framr-4075	299	7	.	.	PUNCT
framr-4075	300	1	ai	ai	AUX
framr-4075	300	2	systems	system	NOUN
framr-4075	300	3	get	get	VERB
framr-4075	300	4	better	well	ADJ
framr-4075	300	5	at	at	ADP
framr-4075	300	6	identifying	identify	VERB
framr-4075	300	7	new	new	ADJ
framr-4075	300	8	fraud	fraud	NOUN
framr-4075	300	9	strategies	strategy	NOUN
framr-4075	300	10	by	by	ADP
framr-4075	300	11	constantly	constantly	ADV
framr-4075	300	12	learning	learn	VERB
framr-4075	300	13	from	from	ADP
framr-4075	300	14	fresh	fresh	ADJ
framr-4075	300	15	data	datum	NOUN
framr-4075	300	16	(	(	PUNCT
framr-4075	300	17	kunduru	kunduru	ADJ
framr-4075	300	18	,	,	PUNCT
framr-4075	300	19	2023	2023	NUM
framr-4075	300	20	)	)	PUNCT
framr-4075	300	21	.	.	PUNCT
framr-4075	301	1	the	the	DET
framr-4075	301	2	likelihood	likelihood	NOUN
framr-4075	301	3	of	of	ADP
framr-4075	301	4	financial	financial	ADJ
framr-4075	301	5	fraud	fraud	NOUN
framr-4075	301	6	has	have	AUX
framr-4075	301	7	increased	increase	VERB
framr-4075	301	8	due	due	ADP
framr-4075	301	9	to	to	ADP
framr-4075	301	10	the	the	DET
framr-4075	301	11	expanding	expand	VERB
framr-4075	301	12	use	use	NOUN
framr-4075	301	13	of	of	ADP
framr-4075	301	14	digital	digital	ADJ
framr-4075	301	15	payments	payment	NOUN
framr-4075	301	16	.	.	PUNCT
framr-4075	302	1	as	as	ADP
framr-4075	302	2	a	a	DET
framr-4075	302	3	result	result	NOUN
framr-4075	302	4	,	,	PUNCT
framr-4075	302	5	national	national	ADJ
framr-4075	302	6	payment	payment	NOUN
framr-4075	302	7	switches	switch	NOUN
framr-4075	302	8	(	(	PUNCT
framr-4075	302	9	npss	npss	PROPN
framr-4075	302	10	)	)	PUNCT
framr-4075	302	11	,	,	PUNCT
framr-4075	302	12	which	which	PRON
framr-4075	302	13	are	be	AUX
framr-4075	302	14	directly	directly	ADV
framr-4075	302	15	owned	own	VERB
framr-4075	302	16	by	by	ADP
framr-4075	302	17	central	central	ADJ
framr-4075	302	18	banks	bank	NOUN
framr-4075	302	19	(	(	PUNCT
framr-4075	302	20	cbs	cbs	PROPN
framr-4075	302	21	)	)	PUNCT
framr-4075	302	22	,	,	PUNCT
framr-4075	302	23	are	be	AUX
framr-4075	302	24	incorporating	incorporate	VERB
framr-4075	302	25	cutting	cutting	NOUN
framr-4075	302	26	-	-	PUNCT
framr-4075	302	27	edge	edge	NOUN
framr-4075	302	28	technology	technology	NOUN
framr-4075	302	29	like	like	ADP
framr-4075	302	30	cognitive	cognitive	ADJ
framr-4075	302	31	computing	computing	NOUN
framr-4075	302	32	more	more	ADV
framr-4075	302	33	frequently	frequently	ADV
framr-4075	302	34	to	to	PART
framr-4075	302	35	improve	improve	VERB
framr-4075	302	36	their	their	PRON
framr-4075	302	37	capacity	capacity	NOUN
framr-4075	302	38	to	to	PART
framr-4075	302	39	identify	identify	VERB
framr-4075	302	40	fraudulent	fraudulent	ADJ
framr-4075	302	41	activity	activity	NOUN
framr-4075	302	42	within	within	ADP
framr-4075	302	43	their	their	PRON
framr-4075	302	44	nations	nation	NOUN
framr-4075	302	45	(	(	PUNCT
framr-4075	302	46	roszkowska	roszkowska	NOUN
framr-4075	302	47	,	,	PUNCT
framr-4075	302	48	2021	2021	NUM
framr-4075	302	49	)	)	PUNCT
framr-4075	302	50	.	.	PUNCT
framr-4075	303	1	ai	ai	PROPN
framr-4075	303	2	technologies	technology	NOUN
framr-4075	303	3	,	,	PUNCT
framr-4075	303	4	such	such	ADJ
framr-4075	303	5	as	as	ADP
framr-4075	303	6	machine	machine	NOUN
framr-4075	303	7	learning	learning	NOUN
framr-4075	303	8	(	(	PUNCT
framr-4075	303	9	ml	ml	NOUN
framr-4075	303	10	)	)	PUNCT
framr-4075	303	11	and	and	CCONJ
framr-4075	303	12	deep	deep	ADJ
framr-4075	303	13	learning	learning	NOUN
framr-4075	303	14	(	(	PUNCT
framr-4075	303	15	dl	dl	PROPN
framr-4075	303	16	)	)	PUNCT
framr-4075	303	17	,	,	PUNCT
framr-4075	303	18	have	have	AUX
framr-4075	303	19	completely	completely	ADV
framr-4075	303	20	changed	change	VERB
framr-4075	303	21	how	how	SCONJ
framr-4075	303	22	fraud	fraud	NOUN
framr-4075	303	23	is	be	AUX
framr-4075	303	24	detected	detect	VERB
framr-4075	303	25	and	and	CCONJ
framr-4075	303	26	stopped	stop	VERB
framr-4075	303	27	.	.	PUNCT
framr-4075	304	1	fintech	fintech	NOUN
framr-4075	304	2	businesses	business	NOUN
framr-4075	304	3	can	can	AUX
framr-4075	304	4	now	now	ADV
framr-4075	304	5	handle	handle	VERB
framr-4075	304	6	enormous	enormous	ADJ
framr-4075	304	7	datasets	dataset	NOUN
framr-4075	304	8	,	,	PUNCT
framr-4075	304	9	identify	identify	VERB
framr-4075	304	10	intricate	intricate	ADJ
framr-4075	304	11	fraud	fraud	NOUN
framr-4075	304	12	patterns	pattern	NOUN
framr-4075	304	13	,	,	PUNCT
framr-4075	304	14	and	and	CCONJ
framr-4075	304	15	anticipate	anticipate	VERB
framr-4075	304	16	fraudulent	fraudulent	ADJ
framr-4075	304	17	transactions	transaction	NOUN
framr-4075	304	18	with	with	ADP
framr-4075	304	19	previously	previously	ADV
framr-4075	304	20	unheard	unheard	ADJ
framr-4075	304	21	-	-	PUNCT
framr-4075	304	22	of	of	ADP
framr-4075	304	23	accuracy	accuracy	NOUN
framr-4075	304	24	and	and	CCONJ
framr-4075	304	25	efficiency	efficiency	NOUN
framr-4075	304	26	by	by	ADP
framr-4075	304	27	utilising	utilise	VERB
framr-4075	304	28	ai	ai	NOUN
framr-4075	304	29	.	.	PUNCT
framr-4075	305	1	this	this	PRON
framr-4075	305	2	enhances	enhance	VERB
framr-4075	305	3	the	the	DET
framr-4075	305	4	safety	safety	NOUN
framr-4075	305	5	of	of	ADP
framr-4075	305	6	financial	financial	ADJ
framr-4075	305	7	transactions	transaction	NOUN
framr-4075	305	8	and	and	CCONJ
framr-4075	305	9	guarantees	guarantee	VERB
framr-4075	305	10	a	a	DET
framr-4075	305	11	reliable	reliable	ADJ
framr-4075	305	12	and	and	CCONJ
framr-4075	305	13	easy	easy	ADJ
framr-4075	305	14	-	-	PUNCT
framr-4075	305	15	to	to	ADP
framr-4075	305	16	-	-	PUNCT
framr-4075	305	17	use	use	NOUN
framr-4075	305	18	experience	experience	NOUN
framr-4075	305	19	for	for	ADP
framr-4075	305	20	users	user	NOUN
framr-4075	305	21	(	(	PUNCT
framr-4075	305	22	philip	philip	PROPN
framr-4075	305	23	olaseni	olaseni	PROPN
framr-4075	305	24	shoetan	shoetan	PROPN
framr-4075	305	25	&	&	CCONJ
framr-4075	305	26	babajide	babajide	ADJ
framr-4075	305	27	tolulope	tolulope	PROPN
framr-4075	305	28	familoni	familoni	PROPN
framr-4075	305	29	,	,	PUNCT
framr-4075	305	30	2024	2024	NUM
framr-4075	305	31	)	)	PUNCT
framr-4075	305	32	.	.	PUNCT
framr-4075	306	1	real	real	ADJ
framr-4075	306	2	-	-	PUNCT
framr-4075	306	3	world	world	NOUN
framr-4075	306	4	instances	instance	NOUN
framr-4075	306	5	,	,	PUNCT
framr-4075	306	6	like	like	ADP
framr-4075	306	7	the	the	DET
framr-4075	306	8	federal	federal	ADJ
framr-4075	306	9	bureau	bureau	PROPN
framr-4075	306	10	of	of	ADP
framr-4075	306	11	investigation	investigation	PROPN
framr-4075	306	12	(	(	PUNCT
framr-4075	306	13	fbi	fbi	PROPN
framr-4075	306	14	)	)	PUNCT
framr-4075	306	15	's	's	PART
framr-4075	306	16	financial	financial	ADJ
framr-4075	306	17	crimes	crime	NOUN
framr-4075	306	18	section	section	NOUN
framr-4075	306	19	's	's	PART
framr-4075	306	20	identification	identification	NOUN
framr-4075	306	21	and	and	CCONJ
framr-4075	306	22	stop	stop	NOUN
framr-4075	306	23	of	of	ADP
framr-4075	306	24	massive	massive	ADJ
framr-4075	306	25	fraud	fraud	NOUN
framr-4075	306	26	schemes	scheme	NOUN
framr-4075	306	27	,	,	PUNCT
framr-4075	306	28	demonstrate	demonstrate	VERB
framr-4075	306	29	the	the	DET
framr-4075	306	30	vital	vital	ADJ
framr-4075	306	31	role	role	NOUN
framr-4075	306	32	that	that	PRON
framr-4075	306	33	machine	machine	NOUN
framr-4075	306	34	learning	learning	NOUN
framr-4075	306	35	and	and	CCONJ
framr-4075	306	36	big	big	ADJ
framr-4075	306	37	data	datum	NOUN
framr-4075	306	38	play	play	VERB
framr-4075	306	39	in	in	ADP
framr-4075	306	40	safeguarding	safeguard	VERB
framr-4075	306	41	the	the	DET
framr-4075	306	42	country	country	NOUN
framr-4075	306	43	's	's	PART
framr-4075	306	44	financial	financial	ADJ
framr-4075	306	45	borders	border	NOUN
framr-4075	306	46	(	(	PUNCT
framr-4075	306	47	saxena	saxena	PROPN
framr-4075	306	48	&	&	CCONJ
framr-4075	306	49	vafin	vafin	PROPN
framr-4075	306	50	,	,	PUNCT
framr-4075	306	51	2019	2019	NUM
framr-4075	306	52	)	)	PUNCT
framr-4075	306	53	.	.	PUNCT
framr-4075	307	1	4.2	4.2	NUM
framr-4075	307	2	.	.	PUNCT
framr-4075	308	1	improved	improve	VERB
framr-4075	308	2	transparency	transparency	NOUN
framr-4075	308	3	fintech	fintech	NOUN
framr-4075	308	4	sets	set	VERB
framr-4075	308	5	a	a	DET
framr-4075	308	6	realistic	realistic	ADJ
framr-4075	308	7	objective	objective	NOUN
framr-4075	308	8	of	of	ADP
framr-4075	308	9	considerably	considerably	ADV
framr-4075	308	10	increased	increase	VERB
framr-4075	308	11	and	and	CCONJ
framr-4075	308	12	sustained	sustain	VERB
framr-4075	308	13	financial	financial	ADJ
framr-4075	308	14	inclusion	inclusion	NOUN
framr-4075	308	15	by	by	ADP
framr-4075	308	16	drastically	drastically	ADV
framr-4075	308	17	lowering	lower	VERB
framr-4075	308	18	the	the	DET
framr-4075	308	19	cost	cost	NOUN
framr-4075	308	20	of	of	ADP
framr-4075	308	21	delivering	deliver	VERB
framr-4075	308	22	financial	financial	ADJ
framr-4075	308	23	services	service	NOUN
framr-4075	308	24	.	.	PUNCT
framr-4075	309	1	simultaneously	simultaneously	ADV
framr-4075	309	2	,	,	PUNCT
framr-4075	309	3	increased	increase	VERB
framr-4075	309	4	automation	automation	NOUN
framr-4075	309	5	,	,	PUNCT
framr-4075	309	6	streamlined	streamline	VERB
framr-4075	309	7	operational	operational	ADJ
framr-4075	309	8	procedures	procedure	NOUN
framr-4075	309	9	,	,	PUNCT
framr-4075	309	10	and	and	CCONJ
framr-4075	309	11	more	more	ADV
framr-4075	309	12	sophisticated	sophisticated	ADJ
framr-4075	309	13	and	and	CCONJ
framr-4075	309	14	affordable	affordable	ADJ
framr-4075	309	15	analytics	analytic	NOUN
framr-4075	309	16	provide	provide	VERB
framr-4075	309	17	the	the	DET
framr-4075	309	18	possibility	possibility	NOUN
framr-4075	309	19	of	of	ADP
framr-4075	309	20	promoting	promote	VERB
framr-4075	309	21	improved	improved	ADJ
framr-4075	309	22	openness	openness	NOUN
framr-4075	309	23	while	while	SCONJ
framr-4075	309	24	preserving	preserve	VERB
framr-4075	309	25	or	or	CCONJ
framr-4075	309	26	enhancing	enhance	VERB
framr-4075	309	27	individual	individual	ADJ
framr-4075	309	28	privacy	privacy	NOUN
framr-4075	309	29	and	and	CCONJ
framr-4075	309	30	financial	financial	ADJ
framr-4075	309	31	activity	activity	NOUN
framr-4075	309	32	security	security	NOUN
framr-4075	309	33	.	.	PUNCT
framr-4075	310	1	improved	improve	VERB
framr-4075	310	2	consumer	consumer	NOUN
framr-4075	310	3	protection	protection	NOUN
framr-4075	310	4	,	,	PUNCT
framr-4075	310	5	financial	financial	ADJ
framr-4075	310	6	regulation	regulation	NOUN
framr-4075	310	7	,	,	PUNCT
framr-4075	310	8	and	and	CCONJ
framr-4075	310	9	oversight	oversight	NOUN
framr-4075	310	10	would	would	AUX
framr-4075	310	11	all	all	ADV
framr-4075	310	12	benefit	benefit	VERB
framr-4075	310	13	from	from	ADP
framr-4075	310	14	such	such	ADJ
framr-4075	310	15	transparency	transparency	NOUN
framr-4075	310	16	(	(	PUNCT
framr-4075	310	17	barr	barr	PROPN
framr-4075	310	18	,	,	PUNCT
framr-4075	310	19	gifford	gifford	PROPN
framr-4075	310	20	,	,	PUNCT
framr-4075	310	21	&	&	CCONJ
framr-4075	310	22	klein	klein	PROPN
framr-4075	310	23	,	,	PUNCT
framr-4075	310	24	2018	2018	NUM
framr-4075	310	25	)	)	PUNCT
framr-4075	310	26	.	.	PUNCT
framr-4075	311	1	a	a	DET
framr-4075	311	2	degree	degree	NOUN
framr-4075	311	3	of	of	ADP
framr-4075	311	4	traceability	traceability	NOUN
framr-4075	311	5	and	and	CCONJ
framr-4075	311	6	transparency	transparency	NOUN
framr-4075	311	7	made	make	VERB
framr-4075	311	8	possible	possible	ADJ
framr-4075	311	9	by	by	ADP
framr-4075	311	10	blockchain	blockchain	PROPN
framr-4075	311	11	technology	technology	PROPN
framr-4075	311	12	is	be	AUX
framr-4075	311	13	naturally	naturally	ADV
framr-4075	311	14	advantageous	advantageous	ADJ
framr-4075	311	15	to	to	ADP
framr-4075	311	16	improved	improved	ADJ
framr-4075	311	17	governance	governance	NOUN
framr-4075	311	18	.	.	PUNCT
framr-4075	312	1	because	because	SCONJ
framr-4075	312	2	every	every	DET
framr-4075	312	3	transaction	transaction	NOUN
framr-4075	312	4	on	on	ADP
framr-4075	312	5	a	a	DET
framr-4075	312	6	blockchain	blockchain	NOUN
framr-4075	312	7	is	be	AUX
framr-4075	312	8	captured	capture	VERB
framr-4075	312	9	on	on	ADP
framr-4075	312	10	an	an	DET
framr-4075	312	11	immutable	immutable	ADJ
framr-4075	312	12	distributed	distribute	VERB
framr-4075	312	13	ledger	ledger	NOUN
framr-4075	312	14	that	that	PRON
framr-4075	312	15	is	be	AUX
framr-4075	312	16	available	available	ADJ
framr-4075	312	17	to	to	ADP
framr-4075	312	18	all	all	DET
framr-4075	312	19	network	network	NOUN
framr-4075	312	20	users	user	NOUN
framr-4075	312	21	,	,	PUNCT
framr-4075	312	22	it	it	PRON
framr-4075	312	23	is	be	AUX
framr-4075	312	24	easier	easy	ADJ
framr-4075	312	25	to	to	PART
framr-4075	312	26	audit	audit	VERB
framr-4075	312	27	and	and	CCONJ
framr-4075	312	28	follow	follow	VERB
framr-4075	312	29	transactions	transaction	NOUN
framr-4075	312	30	to	to	PART
framr-4075	312	31	ensure	ensure	VERB
framr-4075	312	32	they	they	PRON
framr-4075	312	33	comply	comply	VERB
framr-4075	312	34	with	with	ADP
framr-4075	312	35	legal	legal	ADJ
framr-4075	312	36	requirements	requirement	NOUN
framr-4075	312	37	(	(	PUNCT
framr-4075	312	38	okunleye	okunleye	ADJ
framr-4075	312	39	,	,	PUNCT
framr-4075	312	40	2024	2024	NUM
framr-4075	312	41	)	)	PUNCT
framr-4075	312	42	.	.	PUNCT
framr-4075	313	1	4.3	4.3	NUM
framr-4075	313	2	.	.	PUNCT
framr-4075	313	3	automated	automate	VERB
framr-4075	313	4	compliance	compliance	NOUN
framr-4075	313	5	fintech	fintech	NOUN
framr-4075	313	6	organisations	organisation	NOUN
framr-4075	313	7	have	have	AUX
framr-4075	313	8	benefitted	benefit	VERB
framr-4075	313	9	from	from	ADP
framr-4075	313	10	robotic	robotic	ADJ
framr-4075	313	11	process	process	NOUN
framr-4075	313	12	automation	automation	NOUN
framr-4075	313	13	(	(	PUNCT
framr-4075	313	14	rpa	rpa	PROPN
framr-4075	313	15	)	)	PUNCT
framr-4075	313	16	,	,	PUNCT
framr-4075	313	17	which	which	PRON
framr-4075	313	18	has	have	AUX
framr-4075	313	19	enabled	enable	VERB
framr-4075	313	20	workers	worker	NOUN
framr-4075	313	21	to	to	PART
framr-4075	313	22	concentrate	concentrate	VERB
framr-4075	313	23	on	on	ADP
framr-4075	313	24	higher	high	ADJ
framr-4075	313	25	-	-	PUNCT
framr-4075	313	26	value	value	NOUN
framr-4075	313	27	jobs	job	NOUN
framr-4075	313	28	by	by	ADP
framr-4075	313	29	automating	automate	VERB
framr-4075	313	30	monotonous	monotonous	ADJ
framr-4075	313	31	abor	abor	NOUN
framr-4075	313	32	.	.	PUNCT
framr-4075	314	1	efficiency	efficiency	NOUN
framr-4075	314	2	has	have	AUX
framr-4075	314	3	grown	grow	VERB
framr-4075	314	4	as	as	ADP
framr-4075	314	5	a	a	DET
framr-4075	314	6	result	result	NOUN
framr-4075	314	7	,	,	PUNCT
framr-4075	314	8	and	and	CCONJ
framr-4075	314	9	customer	customer	NOUN
framr-4075	314	10	satisfaction	satisfaction	NOUN
framr-4075	314	11	has	have	AUX
framr-4075	314	12	gone	go	VERB
framr-4075	314	13	up	up	ADP
framr-4075	314	14	.	.	PUNCT
framr-4075	315	1	fintech	fintech	NOUN
framr-4075	315	2	businesses	business	NOUN
framr-4075	315	3	have	have	AUX
framr-4075	315	4	been	be	AUX
framr-4075	315	5	able	able	ADJ
framr-4075	315	6	to	to	PART
framr-4075	315	7	create	create	VERB
framr-4075	315	8	better	well	ADJ
framr-4075	315	9	financial	financial	ADJ
framr-4075	315	10	goods	good	NOUN
framr-4075	315	11	and	and	CCONJ
framr-4075	315	12	services	service	NOUN
framr-4075	315	13	by	by	ADP
framr-4075	315	14	using	use	VERB
framr-4075	315	15	big	big	ADJ
framr-4075	315	16	data	datum	NOUN
framr-4075	315	17	analytics	analytic	NOUN
framr-4075	315	18	to	to	PART
framr-4075	315	19	acquire	acquire	VERB
framr-4075	315	20	insights	insight	NOUN
framr-4075	315	21	into	into	ADP
framr-4075	315	22	client	client	NOUN
framr-4075	315	23	behaviour	behaviour	NOUN
framr-4075	315	24	and	and	CCONJ
framr-4075	315	25	preferences	preference	NOUN
framr-4075	315	26	.	.	PUNCT
framr-4075	316	1	biometrics	biometric	NOUN
framr-4075	316	2	has	have	AUX
framr-4075	316	3	been	be	AUX
framr-4075	316	4	significant	significant	ADJ
framr-4075	316	5	in	in	ADP
framr-4075	316	6	lowering	lower	VERB
framr-4075	316	7	the	the	DET
framr-4075	316	8	risk	risk	NOUN
framr-4075	316	9	of	of	ADP
framr-4075	316	10	fraud	fraud	NOUN
framr-4075	316	11	and	and	CCONJ
framr-4075	316	12	enhancing	enhance	VERB
framr-4075	316	13	the	the	DET
framr-4075	316	14	security	security	NOUN
framr-4075	316	15	of	of	ADP
framr-4075	316	16	online	online	ADJ
framr-4075	316	17	financial	financial	ADJ
framr-4075	316	18	transactions	transaction	NOUN
framr-4075	316	19	(	(	PUNCT
framr-4075	316	20	jain	jain	PROPN
framr-4075	316	21	,	,	PUNCT
framr-4075	316	22	prajapati	prajapati	PROPN
framr-4075	316	23	,	,	PUNCT
framr-4075	316	24	&	&	CCONJ
framr-4075	316	25	dangi	dangi	PROPN
framr-4075	316	26	,	,	PUNCT
framr-4075	316	27	2023	2023	NUM
framr-4075	316	28	)	)	PUNCT
framr-4075	316	29	.	.	PUNCT
framr-4075	317	1	many	many	ADJ
framr-4075	317	2	tools	tool	NOUN
framr-4075	317	3	for	for	ADP
framr-4075	317	4	automating	automate	VERB
framr-4075	317	5	compliance	compliance	NOUN
framr-4075	317	6	and	and	CCONJ
framr-4075	317	7	monitoring	monitoring	NOUN
framr-4075	317	8	activities	activity	NOUN
framr-4075	317	9	have	have	AUX
framr-4075	317	10	been	be	AUX
framr-4075	317	11	created	create	VERB
framr-4075	317	12	or	or	CCONJ
framr-4075	317	13	suggested	suggest	VERB
framr-4075	317	14	to	to	PART
framr-4075	317	15	improve	improve	VERB
framr-4075	317	16	their	their	PRON
framr-4075	317	17	efficiency	efficiency	NOUN
framr-4075	317	18	.	.	PUNCT
framr-4075	318	1	the	the	DET
framr-4075	318	2	reviewed	review	VERB
framr-4075	318	3	studies	study	NOUN
framr-4075	318	4	offered	offer	VERB
framr-4075	318	5	automated	automate	VERB
framr-4075	318	6	reporting	reporting	NOUN
framr-4075	318	7	tools	tool	NOUN
framr-4075	318	8	,	,	PUNCT
framr-4075	318	9	digital	digital	ADJ
framr-4075	318	10	wallet	wallet	NOUN
framr-4075	318	11	supervision	supervision	NOUN
framr-4075	318	12	and	and	CCONJ
framr-4075	318	13	auditing	auditing	NOUN
framr-4075	318	14	tools	tool	NOUN
framr-4075	318	15	,	,	PUNCT
framr-4075	318	16	more	more	ADV
framr-4075	318	17	effective	effective	ADJ
framr-4075	318	18	know	know	VERB
framr-4075	318	19	your	your	PRON
framr-4075	318	20	customer	customer	NOUN
framr-4075	318	21	(	(	PUNCT
framr-4075	318	22	kyc	kyc	PROPN
framr-4075	318	23	)	)	PUNCT
framr-4075	318	24	processes	process	NOUN
framr-4075	318	25	,	,	PUNCT
framr-4075	318	26	and	and	CCONJ
framr-4075	318	27	automated	automate	VERB
framr-4075	318	28	fraud	fraud	NOUN
framr-4075	318	29	detection	detection	NOUN
framr-4075	318	30	(	(	PUNCT
framr-4075	318	31	koskipää	koskipää	ADJ
framr-4075	318	32	,	,	PUNCT
framr-4075	318	33	2022	2022	NUM
framr-4075	318	34	)	)	PUNCT
framr-4075	318	35	.	.	PUNCT
framr-4075	319	1	north	north	PROPN
framr-4075	319	2	carolina	carolina	PROPN
framr-4075	319	3	department	department	PROPN
framr-4075	319	4	of	of	ADP
framr-4075	319	5	public	public	ADJ
framr-4075	319	6	safety	safety	NOUN
framr-4075	319	7	(	(	PUNCT
framr-4075	319	8	ncdps	ncdps	NOUN
framr-4075	319	9	)	)	PUNCT
framr-4075	319	10	are	be	AUX
framr-4075	319	11	frequently	frequently	ADV
framr-4075	319	12	used	use	VERB
framr-4075	319	13	by	by	ADP
framr-4075	319	14	businesses	business	NOUN
framr-4075	319	15	to	to	PART
framr-4075	319	16	expedite	expedite	VERB
framr-4075	319	17	the	the	DET
framr-4075	319	18	creation	creation	NOUN
framr-4075	319	19	of	of	ADP
framr-4075	319	20	cloudbased	cloudbase	VERB
framr-4075	319	21	apps	app	NOUN
framr-4075	319	22	while	while	SCONJ
framr-4075	319	23	maintaining	maintain	VERB
framr-4075	319	24	alignment	alignment	NOUN
framr-4075	319	25	with	with	ADP
framr-4075	319	26	corporate	corporate	ADJ
framr-4075	319	27	strategy	strategy	NOUN
framr-4075	319	28	.	.	PUNCT
framr-4075	320	1	on	on	ADP
framr-4075	320	2	low	low	ADJ
framr-4075	320	3	-	-	PUNCT
framr-4075	320	4	code	code	NOUN
framr-4075	320	5	or	or	CCONJ
framr-4075	320	6	no	no	DET
framr-4075	320	7	-	-	PUNCT
framr-4075	320	8	code	code	NOUN
framr-4075	320	9	systems	system	NOUN
framr-4075	320	10	,	,	PUNCT
framr-4075	320	11	for	for	ADP
framr-4075	320	12	instance	instance	NOUN
framr-4075	320	13	,	,	PUNCT
framr-4075	320	14	audit	audit	NOUN
framr-4075	320	15	trails	trail	NOUN
framr-4075	320	16	and	and	CCONJ
framr-4075	320	17	document	document	NOUN
framr-4075	320	18	creation	creation	NOUN
framr-4075	320	19	may	may	AUX
framr-4075	320	20	be	be	AUX
framr-4075	320	21	automated	automate	VERB
framr-4075	320	22	,	,	PUNCT
framr-4075	320	23	ensuring	ensure	VERB
framr-4075	320	24	and	and	CCONJ
framr-4075	320	25	enhancing	enhance	VERB
framr-4075	320	26	compliance	compliance	NOUN
framr-4075	320	27	.	.	PUNCT
framr-4075	321	1	fintech	fintech	NOUN
framr-4075	321	2	businesses	business	NOUN
framr-4075	321	3	and	and	CCONJ
framr-4075	321	4	financial	financial	ADJ
framr-4075	321	5	institutions	institution	NOUN
framr-4075	321	6	that	that	PRON
framr-4075	321	7	need	need	VERB
framr-4075	321	8	to	to	PART
framr-4075	321	9	react	react	VERB
framr-4075	321	10	fast	fast	ADV
framr-4075	321	11	to	to	ADP
framr-4075	321	12	changes	change	NOUN
framr-4075	321	13	in	in	ADP
framr-4075	321	14	the	the	DET
framr-4075	321	15	market	market	NOUN
framr-4075	321	16	will	will	AUX
framr-4075	321	17	find	find	VERB
framr-4075	321	18	this	this	PRON
framr-4075	321	19	to	to	PART
framr-4075	321	20	be	be	AUX
framr-4075	321	21	very	very	ADV
framr-4075	321	22	helpful	helpful	ADJ
framr-4075	321	23	(	(	PUNCT
framr-4075	321	24	fong	fong	PROPN
framr-4075	321	25	,	,	PUNCT
framr-4075	321	26	han	han	PROPN
framr-4075	321	27	,	,	PUNCT
framr-4075	321	28	liu	liu	PROPN
framr-4075	321	29	,	,	PUNCT
framr-4075	321	30	qu	qu	PROPN
framr-4075	321	31	,	,	PUNCT
framr-4075	321	32	&	&	CCONJ
framr-4075	321	33	shek	shek	PROPN
framr-4075	321	34	,	,	PUNCT
framr-4075	321	35	2021	2021	NUM
framr-4075	321	36	)	)	PUNCT
framr-4075	321	37	.	.	PUNCT
framr-4075	322	1	4.4	4.4	NUM
framr-4075	322	2	.	.	PUNCT
framr-4075	323	1	blockchain	blockchain	PROPN
framr-4075	323	2	integrity	integrity	PROPN
framr-4075	323	3	blockchain	blockchain	PROPN
framr-4075	323	4	technology	technology	PROPN
framr-4075	323	5	is	be	AUX
framr-4075	323	6	gaining	gain	VERB
framr-4075	323	7	popularity	popularity	NOUN
framr-4075	323	8	across	across	ADP
framr-4075	323	9	a	a	DET
framr-4075	323	10	range	range	NOUN
framr-4075	323	11	of	of	ADP
framr-4075	323	12	sectors	sector	NOUN
framr-4075	323	13	due	due	ADP
framr-4075	323	14	to	to	ADP
framr-4075	323	15	its	its	PRON
framr-4075	323	16	promise	promise	NOUN
framr-4075	323	17	to	to	PART
framr-4075	323	18	revolutionise	revolutionise	VERB
framr-4075	323	19	data	data	NOUN
framr-4075	323	20	security	security	NOUN
framr-4075	323	21	and	and	CCONJ
framr-4075	323	22	transaction	transaction	NOUN
framr-4075	323	23	integrity	integrity	NOUN
framr-4075	323	24	.	.	PUNCT
framr-4075	324	1	it	it	PRON
framr-4075	324	2	is	be	AUX
framr-4075	324	3	most	most	ADV
framr-4075	324	4	recognised	recognise	VERB
framr-4075	324	5	for	for	ADP
framr-4075	324	6	being	be	AUX
framr-4075	324	7	the	the	DET
framr-4075	324	8	foundation	foundation	NOUN
framr-4075	324	9	of	of	ADP
framr-4075	324	10	cryptocurrencies	cryptocurrencie	NOUN
framr-4075	324	11	like	like	ADP
framr-4075	324	12	bitcoin	bitcoin	NOUN
framr-4075	324	13	.	.	PUNCT
framr-4075	325	1	fintech	fintech	NOUN
framr-4075	325	2	businesses	business	NOUN
framr-4075	325	3	may	may	AUX
framr-4075	325	4	use	use	VERB
framr-4075	325	5	blockchain	blockchain	PROPN
framr-4075	325	6	to	to	PART
framr-4075	325	7	develop	develop	VERB
framr-4075	325	8	trustless	trustless	NOUN
framr-4075	325	9	systems	system	NOUN
framr-4075	325	10	—	—	PUNCT
framr-4075	325	11	systems	system	NOUN
framr-4075	325	12	where	where	SCONJ
framr-4075	325	13	trust	trust	NOUN
framr-4075	325	14	is	be	AUX
framr-4075	325	15	ingrained	ingrain	VERB
framr-4075	325	16	in	in	ADP
framr-4075	325	17	the	the	DET
framr-4075	325	18	technology	technology	NOUN
framr-4075	325	19	itself	itself	PRON
framr-4075	325	20	.	.	PUNCT
framr-4075	326	1	the	the	DET
framr-4075	326	2	transparent	transparent	ADJ
framr-4075	326	3	nature	nature	NOUN
framr-4075	326	4	of	of	ADP
framr-4075	326	5	blockchain	blockchain	PROPN
framr-4075	326	6	also	also	ADV
framr-4075	326	7	helps	help	VERB
framr-4075	326	8	with	with	ADP
framr-4075	326	9	regulatory	regulatory	ADJ
framr-4075	326	10	compliance	compliance	NOUN
framr-4075	326	11	since	since	SCONJ
framr-4075	326	12	it	it	PRON
framr-4075	326	13	creates	create	VERB
framr-4075	326	14	an	an	DET
framr-4075	326	15	unchangeable	unchangeable	ADJ
framr-4075	326	16	,	,	PUNCT
framr-4075	326	17	transparent	transparent	ADJ
framr-4075	326	18	record	record	NOUN
framr-4075	326	19	of	of	ADP
framr-4075	326	20	every	every	DET
framr-4075	326	21	transaction	transaction	NOUN
framr-4075	326	22	(	(	PUNCT
framr-4075	326	23	mustyala	mustyala	NOUN
framr-4075	326	24	,	,	PUNCT
framr-4075	326	25	2023	2023	NUM
framr-4075	326	26	)	)	PUNCT
framr-4075	326	27	.	.	PUNCT
framr-4075	327	1	the	the	DET
framr-4075	327	2	integrity	integrity	NOUN
framr-4075	327	3	and	and	CCONJ
framr-4075	327	4	resistance	resistance	NOUN
framr-4075	327	5	to	to	ADP
framr-4075	327	6	tampering	tamper	VERB
framr-4075	327	7	financial	financial	ADJ
framr-4075	327	8	risk	risk	NOUN
framr-4075	327	9	and	and	CCONJ
framr-4075	327	10	management	management	NOUN
framr-4075	327	11	reviews	review	NOUN
framr-4075	327	12	,	,	PUNCT
framr-4075	327	13	2025	2025	NUM
framr-4075	327	14	,	,	PUNCT
framr-4075	327	15	11(1	11(1	NUM
framr-4075	327	16	):	):	PUNCT
framr-4075	327	17	1	1	NUM
framr-4075	327	18	-	-	SYM
framr-4075	327	19	36	36	NUM
framr-4075	327	20	13	13	NUM
framr-4075	327	21	©	©	PROPN
framr-4075	327	22	2025	2025	NUM
framr-4075	327	23	conscientia	conscientia	PROPN
framr-4075	327	24	beam	beam	PROPN
framr-4075	327	25	.	.	PUNCT
framr-4075	328	1	all	all	DET
framr-4075	328	2	rights	right	NOUN
framr-4075	328	3	reserved	reserve	VERB
framr-4075	328	4	.	.	PUNCT
framr-4075	329	1	of	of	ADP
framr-4075	329	2	financial	financial	ADJ
framr-4075	329	3	transactions	transaction	NOUN
framr-4075	329	4	are	be	AUX
framr-4075	329	5	preserved	preserve	VERB
framr-4075	329	6	by	by	ADP
framr-4075	329	7	the	the	DET
framr-4075	329	8	immutable	immutable	ADJ
framr-4075	329	9	record	record	NOUN
framr-4075	329	10	of	of	ADP
framr-4075	329	11	blockchain	blockchain	PROPN
framr-4075	329	12	technology	technology	PROPN
framr-4075	329	13	.	.	PUNCT
framr-4075	330	1	without	without	ADP
framr-4075	330	2	network	network	NOUN
framr-4075	330	3	consensus	consensus	PROPN
framr-4075	330	4	,	,	PUNCT
framr-4075	330	5	transactions	transaction	NOUN
framr-4075	330	6	on	on	ADP
framr-4075	330	7	the	the	DET
framr-4075	330	8	blockchain	blockchain	NOUN
framr-4075	330	9	can	can	AUX
framr-4075	330	10	not	not	PART
framr-4075	330	11	be	be	AUX
framr-4075	330	12	altered	alter	VERB
framr-4075	330	13	or	or	CCONJ
framr-4075	330	14	deleted	delete	VERB
framr-4075	330	15	.	.	PUNCT
framr-4075	331	1	by	by	ADP
framr-4075	331	2	reducing	reduce	VERB
framr-4075	331	3	fraud	fraud	NOUN
framr-4075	331	4	,	,	PUNCT
framr-4075	331	5	disputes	dispute	NOUN
framr-4075	331	6	,	,	PUNCT
framr-4075	331	7	and	and	CCONJ
framr-4075	331	8	mistakes	mistake	NOUN
framr-4075	331	9	,	,	PUNCT
framr-4075	331	10	this	this	DET
framr-4075	331	11	feature	feature	NOUN
framr-4075	331	12	enhances	enhance	VERB
framr-4075	331	13	the	the	DET
framr-4075	331	14	auditability	auditability	NOUN
framr-4075	331	15	,	,	PUNCT
framr-4075	331	16	accountability	accountability	NOUN
framr-4075	331	17	,	,	PUNCT
framr-4075	331	18	and	and	CCONJ
framr-4075	331	19	transparency	transparency	NOUN
framr-4075	331	20	of	of	ADP
framr-4075	331	21	financial	financial	ADJ
framr-4075	331	22	transactions	transaction	NOUN
framr-4075	331	23	(	(	PUNCT
framr-4075	331	24	yerram	yerram	PROPN
framr-4075	331	25	et	et	PROPN
framr-4075	331	26	al	al	PROPN
framr-4075	331	27	.	.	PROPN
framr-4075	331	28	,	,	PUNCT
framr-4075	331	29	2021	2021	NUM
framr-4075	331	30	)	)	PUNCT
framr-4075	331	31	.	.	PUNCT
framr-4075	332	1	the	the	DET
framr-4075	332	2	integrity	integrity	NOUN
framr-4075	332	3	,	,	PUNCT
framr-4075	332	4	validity	validity	NOUN
framr-4075	332	5	,	,	PUNCT
framr-4075	332	6	and	and	CCONJ
framr-4075	332	7	anonymity	anonymity	NOUN
framr-4075	332	8	of	of	ADP
framr-4075	332	9	the	the	DET
framr-4075	332	10	blockchain	blockchain	PROPN
framr-4075	332	11	are	be	AUX
framr-4075	332	12	safeguarded	safeguard	VERB
framr-4075	332	13	by	by	ADP
framr-4075	332	14	the	the	DET
framr-4075	332	15	encryption	encryption	NOUN
framr-4075	332	16	algorithms	algorithm	NOUN
framr-4075	332	17	and	and	CCONJ
framr-4075	332	18	methods	method	NOUN
framr-4075	332	19	employed	employ	VERB
framr-4075	332	20	in	in	ADP
framr-4075	332	21	blockchain	blockchain	PROPN
framr-4075	332	22	technology	technology	PROPN
framr-4075	332	23	,	,	PUNCT
framr-4075	332	24	such	such	ADJ
framr-4075	332	25	as	as	ADP
framr-4075	332	26	electronic	electronic	ADJ
framr-4075	332	27	signatures	signature	NOUN
framr-4075	332	28	and	and	CCONJ
framr-4075	332	29	merkle	merkle	NOUN
framr-4075	332	30	trees	tree	NOUN
framr-4075	332	31	(	(	PUNCT
framr-4075	332	32	nelaturu	nelaturu	ADV
framr-4075	332	33	,	,	PUNCT
framr-4075	332	34	du	du	PROPN
framr-4075	332	35	,	,	PUNCT
framr-4075	332	36	&	&	CCONJ
framr-4075	332	37	le	le	X
framr-4075	332	38	,	,	PUNCT
framr-4075	332	39	2022	2022	NUM
framr-4075	332	40	)	)	PUNCT
framr-4075	332	41	.	.	PUNCT
framr-4075	333	1	4.5	4.5	NUM
framr-4075	333	2	.	.	PUNCT
framr-4075	333	3	increased	increase	VERB
framr-4075	333	4	accountability	accountability	NOUN
framr-4075	333	5	important	important	ADJ
framr-4075	333	6	questions	question	NOUN
framr-4075	333	7	are	be	AUX
framr-4075	333	8	also	also	ADV
framr-4075	333	9	brought	bring	VERB
framr-4075	333	10	up	up	ADP
framr-4075	333	11	by	by	ADP
framr-4075	333	12	the	the	DET
framr-4075	333	13	use	use	NOUN
framr-4075	333	14	of	of	ADP
framr-4075	333	15	ai	ai	VERB
framr-4075	333	16	in	in	ADP
framr-4075	333	17	fraud	fraud	NOUN
framr-4075	333	18	detection	detection	NOUN
framr-4075	333	19	,	,	PUNCT
framr-4075	333	20	such	such	ADJ
framr-4075	333	21	as	as	ADP
framr-4075	333	22	moral	moral	ADJ
framr-4075	333	23	dilemmas	dilemma	NOUN
framr-4075	333	24	over	over	ADP
framr-4075	333	25	data	datum	NOUN
framr-4075	333	26	privacy	privacy	NOUN
framr-4075	333	27	and	and	CCONJ
framr-4075	333	28	the	the	DET
framr-4075	333	29	possibility	possibility	NOUN
framr-4075	333	30	of	of	ADP
framr-4075	333	31	bias	bias	NOUN
framr-4075	333	32	in	in	ADP
framr-4075	333	33	ai	ai	PROPN
framr-4075	333	34	systems	system	NOUN
framr-4075	333	35	.	.	PUNCT
framr-4075	334	1	these	these	DET
framr-4075	334	2	difficulties	difficulty	NOUN
framr-4075	334	3	demand	demand	VERB
framr-4075	334	4	a	a	DET
framr-4075	334	5	well	well	ADV
framr-4075	334	6	-	-	PUNCT
framr-4075	334	7	rounded	rounded	ADJ
framr-4075	334	8	strategy	strategy	NOUN
framr-4075	334	9	that	that	PRON
framr-4075	334	10	makes	make	VERB
framr-4075	334	11	use	use	NOUN
framr-4075	334	12	of	of	ADP
framr-4075	334	13	ai	ai	NOUN
framr-4075	334	14	's	's	PART
framr-4075	334	15	advantages	advantage	NOUN
framr-4075	334	16	while	while	SCONJ
framr-4075	334	17	guaranteeing	guarantee	VERB
framr-4075	334	18	accountability	accountability	NOUN
framr-4075	334	19	,	,	PUNCT
framr-4075	334	20	transparency	transparency	NOUN
framr-4075	334	21	,	,	PUNCT
framr-4075	334	22	and	and	CCONJ
framr-4075	334	23	justice	justice	NOUN
framr-4075	334	24	in	in	ADP
framr-4075	334	25	its	its	PRON
framr-4075	334	26	use	use	NOUN
framr-4075	334	27	(	(	PUNCT
framr-4075	334	28	philip	philip	PROPN
framr-4075	334	29	olaseni	olaseni	PROPN
framr-4075	334	30	shoetan	shoetan	PROPN
framr-4075	334	31	&	&	CCONJ
framr-4075	334	32	babajide	babajide	ADJ
framr-4075	334	33	tolulope	tolulope	PROPN
framr-4075	334	34	familoni	familoni	PROPN
framr-4075	334	35	,	,	PUNCT
framr-4075	334	36	2024	2024	NUM
framr-4075	334	37	)	)	PUNCT
framr-4075	334	38	.	.	PUNCT
framr-4075	335	1	a	a	DET
framr-4075	335	2	developing	develop	VERB
framr-4075	335	3	policy	policy	NOUN
framr-4075	335	4	issue	issue	NOUN
framr-4075	335	5	in	in	ADP
framr-4075	335	6	the	the	DET
framr-4075	335	7	current	current	ADJ
framr-4075	335	8	open	open	ADJ
framr-4075	335	9	government	government	NOUN
framr-4075	335	10	partnership	partnership	NOUN
framr-4075	335	11	(	(	PUNCT
framr-4075	335	12	ogp	ogp	NOUN
framr-4075	335	13	)	)	PUNCT
framr-4075	335	14	action	action	NOUN
framr-4075	335	15	plans	plan	NOUN
framr-4075	335	16	is	be	AUX
framr-4075	335	17	digital	digital	ADJ
framr-4075	335	18	governance	governance	NOUN
framr-4075	335	19	.	.	PUNCT
framr-4075	336	1	a	a	DET
framr-4075	336	2	greater	great	ADJ
framr-4075	336	3	number	number	NOUN
framr-4075	336	4	of	of	ADP
framr-4075	336	5	members	member	NOUN
framr-4075	336	6	use	use	VERB
framr-4075	336	7	government	government	NOUN
framr-4075	336	8	machine	machine	NOUN
framr-4075	336	9	learning	learning	NOUN
framr-4075	336	10	and	and	CCONJ
framr-4075	336	11	artificial	artificial	ADJ
framr-4075	336	12	intelligence	intelligence	NOUN
framr-4075	336	13	(	(	PUNCT
framr-4075	336	14	ai	ai	NOUN
framr-4075	336	15	)	)	PUNCT
framr-4075	336	16	tools	tool	NOUN
framr-4075	336	17	to	to	PART
framr-4075	336	18	concentrate	concentrate	VERB
framr-4075	336	19	on	on	ADP
framr-4075	336	20	accountability	accountability	NOUN
framr-4075	336	21	.	.	PUNCT
framr-4075	337	1	open	open	ADJ
framr-4075	337	2	data	datum	NOUN
framr-4075	337	3	has	have	AUX
framr-4075	337	4	emerged	emerge	VERB
framr-4075	337	5	as	as	ADP
framr-4075	337	6	one	one	NUM
framr-4075	337	7	of	of	ADP
framr-4075	337	8	the	the	DET
framr-4075	337	9	most	most	ADV
framr-4075	337	10	potent	potent	ADJ
framr-4075	337	11	tools	tool	NOUN
framr-4075	337	12	in	in	ADP
framr-4075	337	13	the	the	DET
framr-4075	337	14	fight	fight	NOUN
framr-4075	337	15	against	against	ADP
framr-4075	337	16	corruption	corruption	NOUN
framr-4075	337	17	in	in	ADP
framr-4075	337	18	recent	recent	ADJ
framr-4075	337	19	years	year	NOUN
framr-4075	337	20	;	;	PUNCT
framr-4075	337	21	therefore	therefore	ADV
framr-4075	337	22	,	,	PUNCT
framr-4075	337	23	using	use	VERB
framr-4075	337	24	it	it	PRON
framr-4075	337	25	and	and	CCONJ
framr-4075	337	26	holding	hold	VERB
framr-4075	337	27	public	public	ADJ
framr-4075	337	28	procurement	procurement	NOUN
framr-4075	337	29	authorities	authority	NOUN
framr-4075	337	30	accountable	accountable	ADJ
framr-4075	337	31	are	be	AUX
framr-4075	337	32	the	the	DET
framr-4075	337	33	priorities	priority	NOUN
framr-4075	337	34	(	(	PUNCT
framr-4075	337	35	lieonov	lieonov	ADJ
framr-4075	337	36	,	,	PUNCT
framr-4075	337	37	bozhenko	bozhenko	ADJ
framr-4075	337	38	,	,	PUNCT
framr-4075	337	39	&	&	CCONJ
framr-4075	337	40	mynenko	mynenko	PROPN
framr-4075	337	41	,	,	PUNCT
framr-4075	337	42	2023	2023	NUM
framr-4075	337	43	)	)	PUNCT
framr-4075	337	44	.	.	PUNCT
framr-4075	338	1	through	through	ADP
framr-4075	338	2	the	the	DET
framr-4075	338	3	use	use	NOUN
framr-4075	338	4	of	of	ADP
framr-4075	338	5	algorithmic	algorithmic	ADJ
framr-4075	338	6	protections	protection	NOUN
framr-4075	338	7	,	,	PUNCT
framr-4075	338	8	disruptive	disruptive	ADJ
framr-4075	338	9	general	general	ADJ
framr-4075	338	10	-	-	PUNCT
framr-4075	338	11	purpose	purpose	NOUN
framr-4075	338	12	technologies	technology	NOUN
framr-4075	338	13	can	can	AUX
framr-4075	338	14	ensure	ensure	VERB
framr-4075	338	15	that	that	SCONJ
framr-4075	338	16	socio	socio	NOUN
framr-4075	338	17	-	-	PUNCT
framr-4075	338	18	economic	economic	ADJ
framr-4075	338	19	requirements	requirement	NOUN
framr-4075	338	20	are	be	AUX
framr-4075	338	21	satisfied	satisfied	ADJ
framr-4075	338	22	more	more	ADV
framr-4075	338	23	swiftly	swiftly	ADV
framr-4075	338	24	and	and	CCONJ
framr-4075	338	25	reliably	reliably	ADV
framr-4075	338	26	,	,	PUNCT
framr-4075	338	27	based	base	VERB
framr-4075	338	28	on	on	ADP
framr-4075	338	29	a	a	DET
framr-4075	338	30	far	far	ADV
framr-4075	338	31	larger	large	ADJ
framr-4075	338	32	range	range	NOUN
framr-4075	338	33	of	of	ADP
framr-4075	338	34	patterns	pattern	NOUN
framr-4075	338	35	.	.	PUNCT
framr-4075	339	1	conventional	conventional	ADJ
framr-4075	339	2	regulation	regulation	NOUN
framr-4075	339	3	depends	depend	VERB
framr-4075	339	4	on	on	ADP
framr-4075	339	5	big	big	ADJ
framr-4075	339	6	,	,	PUNCT
framr-4075	339	7	centralised	centralised	ADJ
framr-4075	339	8	control	control	NOUN
framr-4075	339	9	organisations	organisation	NOUN
framr-4075	339	10	that	that	PRON
framr-4075	339	11	utilise	utilise	VERB
framr-4075	339	12	human	human	ADJ
framr-4075	339	13	(	(	PUNCT
framr-4075	339	14	subjective	subjective	ADJ
framr-4075	339	15	)	)	PUNCT
framr-4075	339	16	capabilities	capability	NOUN
framr-4075	339	17	since	since	SCONJ
framr-4075	339	18	it	it	PRON
framr-4075	339	19	is	be	AUX
framr-4075	339	20	founded	found	VERB
framr-4075	339	21	on	on	ADP
framr-4075	339	22	(	(	PUNCT
framr-4075	339	23	sometimes	sometimes	ADV
framr-4075	339	24	vague	vague	ADJ
framr-4075	339	25	and	and	CCONJ
framr-4075	339	26	unworkable	unworkable	ADJ
framr-4075	339	27	)	)	PUNCT
framr-4075	339	28	regulations	regulation	NOUN
framr-4075	339	29	and	and	CCONJ
framr-4075	339	30	their	their	PRON
framr-4075	339	31	continuous	continuous	ADJ
framr-4075	339	32	accountability	accountability	NOUN
framr-4075	339	33	(	(	PUNCT
framr-4075	339	34	achim	achim	PROPN
framr-4075	339	35	et	et	PROPN
framr-4075	339	36	al	al	PROPN
framr-4075	339	37	.	.	PROPN
framr-4075	339	38	,	,	PUNCT
framr-4075	339	39	2023	2023	NUM
framr-4075	339	40	)	)	PUNCT
framr-4075	339	41	.	.	PUNCT
framr-4075	340	1	4.6	4.6	NUM
framr-4075	340	2	.	.	PUNCT
framr-4075	341	1	real	real	ADJ
framr-4075	341	2	-	-	PUNCT
framr-4075	341	3	time	time	NOUN
framr-4075	341	4	transaction	transaction	NOUN
framr-4075	341	5	monitoring	monitor	VERB
framr-4075	341	6	regulatory	regulatory	ADJ
framr-4075	341	7	technology	technology	NOUN
framr-4075	341	8	(	(	PUNCT
framr-4075	341	9	regtech	regtech	NOUN
framr-4075	341	10	)	)	PUNCT
framr-4075	341	11	systems	system	NOUN
framr-4075	341	12	track	track	VERB
framr-4075	341	13	online	online	ADJ
framr-4075	341	14	transactions	transaction	NOUN
framr-4075	341	15	in	in	ADP
framr-4075	341	16	real	real	ADJ
framr-4075	341	17	time	time	NOUN
framr-4075	341	18	to	to	PART
framr-4075	341	19	spot	spot	VERB
framr-4075	341	20	anomalies	anomaly	NOUN
framr-4075	341	21	or	or	CCONJ
framr-4075	341	22	problems	problem	NOUN
framr-4075	341	23	in	in	ADP
framr-4075	341	24	the	the	DET
framr-4075	341	25	realm	realm	NOUN
framr-4075	341	26	of	of	ADP
framr-4075	341	27	digital	digital	ADJ
framr-4075	341	28	payments	payment	NOUN
framr-4075	341	29	.	.	PUNCT
framr-4075	342	1	any	any	DET
framr-4075	342	2	anomaly	anomaly	NOUN
framr-4075	342	3	is	be	AUX
framr-4075	342	4	reported	report	VERB
framr-4075	342	5	to	to	ADP
framr-4075	342	6	the	the	DET
framr-4075	342	7	financial	financial	ADJ
framr-4075	342	8	institution	institution	NOUN
framr-4075	342	9	so	so	SCONJ
framr-4075	342	10	that	that	SCONJ
framr-4075	342	11	it	it	PRON
framr-4075	342	12	may	may	AUX
framr-4075	342	13	investigate	investigate	VERB
framr-4075	342	14	and	and	CCONJ
framr-4075	342	15	ascertain	ascertain	VERB
framr-4075	342	16	whether	whether	SCONJ
framr-4075	342	17	fraud	fraud	NOUN
framr-4075	342	18	is	be	AUX
framr-4075	342	19	occurring	occur	VERB
framr-4075	342	20	.	.	PUNCT
framr-4075	343	1	regtech	regtech	PROPN
framr-4075	343	2	can	can	AUX
framr-4075	343	3	reduce	reduce	VERB
framr-4075	343	4	the	the	DET
framr-4075	343	5	risks	risk	NOUN
framr-4075	343	6	and	and	CCONJ
framr-4075	343	7	expenses	expense	NOUN
framr-4075	343	8	related	relate	VERB
framr-4075	343	9	to	to	AUX
framr-4075	343	10	lost	lose	VERB
framr-4075	343	11	money	money	NOUN
framr-4075	343	12	and	and	CCONJ
framr-4075	343	13	data	data	NOUN
framr-4075	343	14	breaches	breach	NOUN
framr-4075	343	15	while	while	SCONJ
framr-4075	343	16	also	also	ADV
framr-4075	343	17	aiding	aid	VERB
framr-4075	343	18	in	in	ADP
framr-4075	343	19	the	the	DET
framr-4075	343	20	identification	identification	NOUN
framr-4075	343	21	of	of	ADP
framr-4075	343	22	possible	possible	ADJ
framr-4075	343	23	threats	threat	NOUN
framr-4075	343	24	to	to	ADP
framr-4075	343	25	financial	financial	ADJ
framr-4075	343	26	security	security	NOUN
framr-4075	343	27	and	and	CCONJ
framr-4075	343	28	stability	stability	NOUN
framr-4075	343	29	(	(	PUNCT
framr-4075	343	30	zeidy	zeidy	ADJ
framr-4075	343	31	,	,	PUNCT
framr-4075	343	32	2022	2022	NUM
framr-4075	343	33	)	)	PUNCT
framr-4075	343	34	.	.	PUNCT
framr-4075	344	1	monitoring	monitoring	NOUN
framr-4075	344	2	or	or	CCONJ
framr-4075	344	3	forecasting	forecast	VERB
framr-4075	344	4	financial	financial	ADJ
framr-4075	344	5	risks	risk	NOUN
framr-4075	344	6	using	use	VERB
framr-4075	344	7	intelligent	intelligent	ADJ
framr-4075	344	8	agents	agent	NOUN
framr-4075	344	9	is	be	AUX
framr-4075	344	10	one	one	NUM
framr-4075	344	11	way	way	NOUN
framr-4075	344	12	that	that	PRON
framr-4075	344	13	fintech	fintech	NOUN
framr-4075	344	14	is	be	AUX
framr-4075	344	15	being	be	AUX
framr-4075	344	16	used	use	VERB
framr-4075	344	17	to	to	PART
framr-4075	344	18	enhance	enhance	VERB
framr-4075	344	19	corporate	corporate	ADJ
framr-4075	344	20	operations	operation	NOUN
framr-4075	344	21	.	.	PUNCT
framr-4075	345	1	before	before	ADP
framr-4075	345	2	being	be	AUX
framr-4075	345	3	transferred	transfer	VERB
framr-4075	345	4	across	across	ADP
framr-4075	345	5	the	the	DET
framr-4075	345	6	network	network	NOUN
framr-4075	345	7	,	,	PUNCT
framr-4075	345	8	sensitive	sensitive	ADJ
framr-4075	345	9	data	datum	NOUN
framr-4075	345	10	is	be	AUX
framr-4075	345	11	split	split	VERB
framr-4075	345	12	into	into	ADP
framr-4075	345	13	two	two	NUM
framr-4075	345	14	portions	portion	NOUN
framr-4075	345	15	so	so	SCONJ
framr-4075	345	16	that	that	SCONJ
framr-4075	345	17	privacy	privacy	NOUN
framr-4075	345	18	may	may	AUX
framr-4075	345	19	be	be	AUX
framr-4075	345	20	maintained	maintain	VERB
framr-4075	345	21	even	even	ADV
framr-4075	345	22	while	while	SCONJ
framr-4075	345	23	enemies	enemy	NOUN
framr-4075	345	24	are	be	AUX
framr-4075	345	25	keeping	keep	VERB
framr-4075	345	26	an	an	DET
framr-4075	345	27	eye	eye	NOUN
framr-4075	345	28	on	on	ADP
framr-4075	345	29	the	the	DET
framr-4075	345	30	transmissions	transmission	NOUN
framr-4075	345	31	(	(	PUNCT
framr-4075	345	32	gai	gai	NOUN
framr-4075	345	33	,	,	PUNCT
framr-4075	345	34	qiu	qiu	PROPN
framr-4075	345	35	,	,	PUNCT
framr-4075	345	36	&	&	CCONJ
framr-4075	345	37	sun	sun	PROPN
framr-4075	345	38	,	,	PUNCT
framr-4075	345	39	2018	2018	NUM
framr-4075	345	40	)	)	PUNCT
framr-4075	345	41	.	.	PUNCT
framr-4075	346	1	fintech	fintech	NOUN
framr-4075	346	2	technologies	technology	NOUN
framr-4075	346	3	can	can	AUX
framr-4075	346	4	lower	lower	VERB
framr-4075	346	5	the	the	DET
framr-4075	346	6	cost	cost	NOUN
framr-4075	346	7	of	of	ADP
framr-4075	346	8	transactions	transaction	NOUN
framr-4075	346	9	.	.	PUNCT
framr-4075	347	1	more	more	ADV
framr-4075	347	2	precisely	precisely	ADV
framr-4075	347	3	,	,	PUNCT
framr-4075	347	4	the	the	DET
framr-4075	347	5	goal	goal	NOUN
framr-4075	347	6	of	of	ADP
framr-4075	347	7	blockchain	blockchain	PROPN
framr-4075	347	8	and	and	CCONJ
framr-4075	347	9	"	"	PUNCT
framr-4075	347	10	smart	smart	ADJ
framr-4075	347	11	contracts	contract	NOUN
framr-4075	347	12	"	"	PUNCT
framr-4075	347	13	is	be	AUX
framr-4075	347	14	to	to	PART
framr-4075	347	15	lower	lower	VERB
framr-4075	347	16	the	the	DET
framr-4075	347	17	costs	cost	NOUN
framr-4075	347	18	associated	associate	VERB
framr-4075	347	19	with	with	ADP
framr-4075	347	20	enforcement	enforcement	NOUN
framr-4075	347	21	and	and	CCONJ
framr-4075	347	22	monitoring	monitoring	NOUN
framr-4075	347	23	.	.	PUNCT
framr-4075	348	1	financial	financial	ADJ
framr-4075	348	2	organizations	organization	NOUN
framr-4075	348	3	create	create	VERB
framr-4075	348	4	"	"	PUNCT
framr-4075	348	5	internal	internal	ADJ
framr-4075	348	6	sandboxes	sandbox	NOUN
framr-4075	348	7	"	"	PUNCT
framr-4075	348	8	where	where	SCONJ
framr-4075	348	9	"	"	PUNCT
framr-4075	348	10	smart	smart	ADJ
framr-4075	348	11	contracts	contract	NOUN
framr-4075	348	12	"	"	PUNCT
framr-4075	348	13	may	may	AUX
framr-4075	348	14	be	be	AUX
framr-4075	348	15	thoroughly	thoroughly	ADV
framr-4075	348	16	examined	examine	VERB
framr-4075	348	17	and	and	CCONJ
framr-4075	348	18	tracked	track	VERB
framr-4075	348	19	before	before	ADP
framr-4075	348	20	being	be	AUX
framr-4075	348	21	implemented	implement	VERB
framr-4075	348	22	on	on	ADP
framr-4075	348	23	blockchain	blockchain	PROPN
framr-4075	348	24	systems	system	NOUN
framr-4075	348	25	.	.	PUNCT
framr-4075	349	1	intermediaries	intermediary	NOUN
framr-4075	349	2	have	have	VERB
framr-4075	349	3	the	the	DET
framr-4075	349	4	authority	authority	NOUN
framr-4075	349	5	to	to	PART
framr-4075	349	6	enforce	enforce	VERB
framr-4075	349	7	contracts	contract	NOUN
framr-4075	349	8	on	on	ADP
framr-4075	349	9	behalf	behalf	NOUN
framr-4075	349	10	of	of	ADP
framr-4075	349	11	any	any	DET
framr-4075	349	12	party	party	NOUN
framr-4075	349	13	,	,	PUNCT
framr-4075	349	14	should	should	AUX
framr-4075	349	15	the	the	DET
framr-4075	349	16	need	need	NOUN
framr-4075	349	17	arise	arise	VERB
framr-4075	349	18	,	,	PUNCT
framr-4075	349	19	and	and	CCONJ
framr-4075	349	20	can	can	AUX
framr-4075	349	21	more	more	ADV
framr-4075	349	22	readily	readily	ADV
framr-4075	349	23	oversee	oversee	VERB
framr-4075	349	24	their	their	PRON
framr-4075	349	25	performance	performance	NOUN
framr-4075	349	26	than	than	ADP
framr-4075	349	27	any	any	DET
framr-4075	349	28	one	one	NUM
framr-4075	349	29	person	person	NOUN
framr-4075	349	30	can	can	AUX
framr-4075	349	31	once	once	ADV
framr-4075	349	32	they	they	PRON
framr-4075	349	33	are	be	AUX
framr-4075	349	34	signed	sign	VERB
framr-4075	349	35	(	(	PUNCT
framr-4075	349	36	panisi	panisi	VERB
framr-4075	349	37	,	,	PUNCT
framr-4075	349	38	2017	2017	NUM
framr-4075	349	39	)	)	PUNCT
framr-4075	349	40	.	.	PUNCT
framr-4075	350	1	4.7	4.7	NUM
framr-4075	350	2	.	.	PUNCT
framr-4075	351	1	efficient	efficient	ADJ
framr-4075	351	2	risk	risk	NOUN
framr-4075	351	3	management	management	NOUN
framr-4075	351	4	risk	risk	NOUN
framr-4075	351	5	management	management	NOUN
framr-4075	351	6	procedures	procedure	NOUN
framr-4075	351	7	are	be	AUX
framr-4075	351	8	receiving	receive	VERB
framr-4075	351	9	a	a	DET
framr-4075	351	10	lot	lot	NOUN
framr-4075	351	11	of	of	ADP
framr-4075	351	12	attention	attention	NOUN
framr-4075	351	13	from	from	ADP
framr-4075	351	14	regulations	regulation	NOUN
framr-4075	351	15	and	and	CCONJ
framr-4075	351	16	associated	associate	VERB
framr-4075	351	17	supervisory	supervisory	ADJ
framr-4075	351	18	requirements	requirement	NOUN
framr-4075	351	19	,	,	PUNCT
framr-4075	351	20	which	which	PRON
framr-4075	351	21	in	in	ADP
framr-4075	351	22	turn	turn	NOUN
framr-4075	351	23	highlights	highlight	VERB
framr-4075	351	24	the	the	DET
framr-4075	351	25	need	need	NOUN
framr-4075	351	26	for	for	ADP
framr-4075	351	27	thorough	thorough	ADJ
framr-4075	351	28	,	,	PUNCT
framr-4075	351	29	open	open	ADJ
framr-4075	351	30	,	,	PUNCT
framr-4075	351	31	and	and	CCONJ
framr-4075	351	32	auditable	auditable	ADJ
framr-4075	351	33	data	datum	NOUN
framr-4075	351	34	analysis	analysis	NOUN
framr-4075	351	35	throughout	throughout	ADP
framr-4075	351	36	enterprises	enterprise	NOUN
framr-4075	351	37	.	.	PUNCT
framr-4075	352	1	big	big	ADJ
framr-4075	352	2	data	datum	NOUN
framr-4075	352	3	analytics	analytic	NOUN
framr-4075	352	4	,	,	PUNCT
framr-4075	352	5	artificial	artificial	ADJ
framr-4075	352	6	intelligence	intelligence	NOUN
framr-4075	352	7	,	,	PUNCT
framr-4075	352	8	and	and	CCONJ
framr-4075	352	9	blockchain	blockchain	PROPN
framr-4075	352	10	ledgers	ledger	NOUN
framr-4075	352	11	are	be	AUX
framr-4075	352	12	examples	example	NOUN
framr-4075	352	13	of	of	ADP
framr-4075	352	14	technologies	technology	NOUN
framr-4075	352	15	that	that	PRON
framr-4075	352	16	might	might	AUX
framr-4075	352	17	more	more	ADV
framr-4075	352	18	effectively	effectively	ADV
framr-4075	352	19	handle	handle	VERB
framr-4075	352	20	risk	risk	NOUN
framr-4075	352	21	management	management	NOUN
framr-4075	352	22	needs	need	NOUN
framr-4075	352	23	and	and	CCONJ
framr-4075	352	24	related	related	ADJ
framr-4075	352	25	expenses	expense	NOUN
framr-4075	352	26	(	(	PUNCT
framr-4075	352	27	giudici	giudici	NOUN
framr-4075	352	28	,	,	PUNCT
framr-4075	352	29	2018	2018	NUM
framr-4075	352	30	)	)	PUNCT
framr-4075	352	31	.	.	PUNCT
framr-4075	353	1	regtech	regtech	NOUN
framr-4075	353	2	and	and	CCONJ
framr-4075	353	3	supervisory	supervisory	ADJ
framr-4075	353	4	technology	technology	NOUN
framr-4075	353	5	(	(	PUNCT
framr-4075	353	6	suptech	suptech	NOUN
framr-4075	353	7	)	)	PUNCT
framr-4075	353	8	are	be	AUX
framr-4075	353	9	two	two	NUM
framr-4075	353	10	examples	example	NOUN
framr-4075	353	11	of	of	ADP
framr-4075	353	12	this	this	PRON
framr-4075	353	13	.	.	PUNCT
framr-4075	354	1	regtech	regtech	PROPN
framr-4075	354	2	focuses	focus	VERB
framr-4075	354	3	on	on	ADP
framr-4075	354	4	leveraging	leverage	VERB
framr-4075	354	5	technology	technology	NOUN
framr-4075	354	6	to	to	PART
framr-4075	354	7	help	help	VERB
framr-4075	354	8	organizations	organization	NOUN
framr-4075	354	9	manage	manage	VERB
framr-4075	354	10	their	their	PRON
framr-4075	354	11	adherence	adherence	NOUN
framr-4075	354	12	to	to	ADP
framr-4075	354	13	regulations	regulation	NOUN
framr-4075	354	14	,	,	PUNCT
framr-4075	354	15	risk	risk	NOUN
framr-4075	354	16	management	management	NOUN
framr-4075	354	17	,	,	PUNCT
framr-4075	354	18	and	and	CCONJ
framr-4075	354	19	regulatory	regulatory	ADJ
framr-4075	354	20	duties	duty	NOUN
framr-4075	354	21	(	(	PUNCT
framr-4075	354	22	such	such	ADJ
framr-4075	354	23	as	as	ADP
framr-4075	354	24	enhanced	enhanced	ADJ
framr-4075	354	25	corporate	corporate	ADJ
framr-4075	354	26	reporting	reporting	NOUN
framr-4075	354	27	)	)	PUNCT
framr-4075	354	28	,	,	PUNCT
framr-4075	354	29	whereas	whereas	SCONJ
framr-4075	354	30	suptech	suptech	NOUN
framr-4075	354	31	helps	help	VERB
framr-4075	354	32	deploy	deploy	VERB
framr-4075	354	33	new	new	ADJ
framr-4075	354	34	technology	technology	NOUN
framr-4075	354	35	to	to	PART
framr-4075	354	36	enhance	enhance	VERB
framr-4075	354	37	supervisory	supervisory	ADJ
framr-4075	354	38	and	and	CCONJ
framr-4075	354	39	monitoring	monitoring	NOUN
framr-4075	354	40	(	(	PUNCT
framr-4075	354	41	mnohoghitnei	mnohoghitnei	ADJ
framr-4075	354	42	,	,	PUNCT
framr-4075	354	43	scorer	scorer	NOUN
framr-4075	354	44	,	,	PUNCT
framr-4075	354	45	&	&	CCONJ
framr-4075	354	46	shingala	shingala	PROPN
framr-4075	354	47	,	,	PUNCT
framr-4075	354	48	2019	2019	NUM
framr-4075	354	49	)	)	PUNCT
framr-4075	354	50	.	.	PUNCT
framr-4075	355	1	fintech	fintech	NOUN
framr-4075	355	2	,	,	PUNCT
framr-4075	355	3	particularly	particularly	ADV
framr-4075	355	4	big	big	ADJ
framr-4075	355	5	data	datum	NOUN
framr-4075	355	6	and	and	CCONJ
framr-4075	355	7	technology	technology	NOUN
framr-4075	355	8	supervision	supervision	NOUN
framr-4075	355	9	,	,	PUNCT
framr-4075	355	10	will	will	AUX
framr-4075	355	11	financial	financial	ADJ
framr-4075	355	12	risk	risk	NOUN
framr-4075	355	13	and	and	CCONJ
framr-4075	355	14	management	management	NOUN
framr-4075	355	15	reviews	review	NOUN
framr-4075	355	16	,	,	PUNCT
framr-4075	355	17	2025	2025	NUM
framr-4075	355	18	,	,	PUNCT
framr-4075	355	19	11(1	11(1	NUM
framr-4075	355	20	):	):	PUNCT
framr-4075	355	21	1	1	NUM
framr-4075	355	22	-	-	SYM
framr-4075	355	23	36	36	NUM
framr-4075	355	24	14	14	NUM
framr-4075	355	25	©	©	PROPN
framr-4075	355	26	2025	2025	NUM
framr-4075	355	27	conscientia	conscientia	PROPN
framr-4075	355	28	beam	beam	PROPN
framr-4075	355	29	.	.	PUNCT
framr-4075	356	1	all	all	DET
framr-4075	356	2	rights	right	NOUN
framr-4075	356	3	reserved	reserve	VERB
framr-4075	356	4	.	.	PUNCT
framr-4075	357	1	transform	transform	VERB
framr-4075	357	2	commercial	commercial	ADJ
framr-4075	357	3	banks	bank	NOUN
framr-4075	357	4	'	'	PART
framr-4075	357	5	risk	risk	NOUN
framr-4075	357	6	-	-	PUNCT
framr-4075	357	7	management	management	NOUN
framr-4075	357	8	models	model	NOUN
framr-4075	357	9	and	and	CCONJ
framr-4075	357	10	strengthen	strengthen	VERB
framr-4075	357	11	their	their	PRON
framr-4075	357	12	risk	risk	NOUN
framr-4075	357	13	-	-	PUNCT
framr-4075	357	14	management	management	NOUN
framr-4075	357	15	capacities	capacity	NOUN
framr-4075	357	16	,	,	PUNCT
framr-4075	357	17	ultimately	ultimately	ADV
framr-4075	357	18	lowering	lower	VERB
framr-4075	357	19	overall	overall	ADJ
framr-4075	357	20	risk	risk	NOUN
framr-4075	357	21	.	.	PUNCT
framr-4075	358	1	bank	bank	NOUN
framr-4075	358	2	risk	risk	NOUN
framr-4075	358	3	-	-	PUNCT
framr-4075	358	4	taking	taking	NOUN
framr-4075	358	5	is	be	AUX
framr-4075	358	6	significantly	significantly	ADV
framr-4075	358	7	influenced	influence	VERB
framr-4075	358	8	by	by	ADP
framr-4075	358	9	risk	risk	NOUN
framr-4075	358	10	management	management	NOUN
framr-4075	358	11	.	.	PUNCT
framr-4075	359	1	commercial	commercial	ADJ
framr-4075	359	2	banks	bank	NOUN
framr-4075	359	3	may	may	AUX
framr-4075	359	4	improve	improve	VERB
framr-4075	359	5	the	the	DET
framr-4075	359	6	efficiency	efficiency	NOUN
framr-4075	359	7	,	,	PUNCT
framr-4075	359	8	precision	precision	NOUN
framr-4075	359	9	,	,	PUNCT
framr-4075	359	10	timeliness	timeliness	NOUN
framr-4075	359	11	,	,	PUNCT
framr-4075	359	12	and	and	CCONJ
framr-4075	359	13	stability	stability	NOUN
framr-4075	359	14	of	of	ADP
framr-4075	359	15	risk	risk	NOUN
framr-4075	359	16	management	management	NOUN
framr-4075	359	17	—	—	PUNCT
framr-4075	359	18	particularly	particularly	ADV
framr-4075	359	19	in	in	ADP
framr-4075	359	20	risk	risk	NOUN
framr-4075	359	21	detection	detection	NOUN
framr-4075	359	22	and	and	CCONJ
framr-4075	359	23	assessment	assessment	NOUN
framr-4075	359	24	—	—	PUNCT
framr-4075	359	25	by	by	ADP
framr-4075	359	26	relying	rely	VERB
framr-4075	359	27	on	on	ADP
framr-4075	359	28	financial	financial	ADJ
framr-4075	359	29	technology	technology	NOUN
framr-4075	359	30	(	(	PUNCT
framr-4075	359	31	li	li	PROPN
framr-4075	359	32	,	,	PUNCT
framr-4075	359	33	elahi	elahi	PROPN
framr-4075	359	34	,	,	PUNCT
framr-4075	359	35	&	&	CCONJ
framr-4075	359	36	zhao	zhao	NOUN
framr-4075	359	37	,	,	PUNCT
framr-4075	359	38	2022	2022	NUM
framr-4075	359	39	)	)	PUNCT
framr-4075	359	40	.	.	PUNCT
framr-4075	360	1	4.8	4.8	NUM
framr-4075	360	2	.	.	PUNCT
framr-4075	361	1	enhanced	enhance	VERB
framr-4075	361	2	data	datum	NOUN
framr-4075	361	3	security	security	NOUN
framr-4075	361	4	data	datum	NOUN
framr-4075	361	5	security	security	NOUN
framr-4075	361	6	,	,	PUNCT
framr-4075	361	7	as	as	SCONJ
framr-4075	361	8	defined	define	VERB
framr-4075	361	9	by	by	ADP
framr-4075	361	10	the	the	DET
framr-4075	361	11	international	international	ADJ
framr-4075	361	12	standard	standard	NOUN
framr-4075	361	13	for	for	ADP
framr-4075	361	14	information	information	NOUN
framr-4075	361	15	security	security	NOUN
framr-4075	361	16	management	management	NOUN
framr-4075	361	17	systems	system	NOUN
framr-4075	361	18	(	(	PUNCT
framr-4075	361	19	iso	iso	NOUN
framr-4075	361	20	27002	27002	NUM
framr-4075	361	21	)	)	PUNCT
framr-4075	361	22	,	,	PUNCT
framr-4075	361	23	is	be	AUX
framr-4075	361	24	the	the	DET
framr-4075	361	25	availability	availability	NOUN
framr-4075	361	26	,	,	PUNCT
framr-4075	361	27	confidentiality	confidentiality	NOUN
framr-4075	361	28	,	,	PUNCT
framr-4075	361	29	and	and	CCONJ
framr-4075	361	30	integrity	integrity	NOUN
framr-4075	361	31	of	of	ADP
framr-4075	361	32	data	data	PROPN
framr-4075	361	33	.	.	PUNCT
framr-4075	362	1	the	the	DET
framr-4075	362	2	management	management	NOUN
framr-4075	362	3	and	and	CCONJ
framr-4075	362	4	staff	staff	NOUN
framr-4075	362	5	of	of	ADP
framr-4075	362	6	fintech	fintech	NOUN
framr-4075	362	7	companies	company	NOUN
framr-4075	362	8	are	be	AUX
framr-4075	362	9	crucial	crucial	ADJ
framr-4075	362	10	in	in	ADP
framr-4075	362	11	protecting	protect	VERB
framr-4075	362	12	data	datum	NOUN
framr-4075	362	13	,	,	PUNCT
framr-4075	362	14	which	which	PRON
framr-4075	362	15	affects	affect	VERB
framr-4075	362	16	consumers	consumer	NOUN
framr-4075	362	17	'	'	PART
framr-4075	362	18	faith	faith	NOUN
framr-4075	362	19	in	in	ADP
framr-4075	362	20	these	these	DET
framr-4075	362	21	services	service	NOUN
framr-4075	362	22	(	(	PUNCT
framr-4075	362	23	stewart	stewart	PROPN
framr-4075	362	24	&	&	CCONJ
framr-4075	362	25	jürjens	jürjen	NOUN
framr-4075	362	26	,	,	PUNCT
framr-4075	362	27	2018	2018	NUM
framr-4075	362	28	)	)	PUNCT
framr-4075	362	29	.	.	PUNCT
framr-4075	363	1	the	the	DET
framr-4075	363	2	word	word	NOUN
framr-4075	363	3	"	"	PUNCT
framr-4075	363	4	fintech	fintech	NOUN
framr-4075	363	5	"	"	PUNCT
framr-4075	363	6	has	have	AUX
framr-4075	363	7	gained	gain	VERB
framr-4075	363	8	popularity	popularity	NOUN
framr-4075	363	9	to	to	PART
framr-4075	363	10	refer	refer	VERB
framr-4075	363	11	to	to	ADP
framr-4075	363	12	cutting	cut	VERB
framr-4075	363	13	-	-	PUNCT
framr-4075	363	14	edge	edge	NOUN
framr-4075	363	15	technology	technology	NOUN
framr-4075	363	16	that	that	PRON
framr-4075	363	17	financial	financial	ADJ
framr-4075	363	18	services	service	NOUN
framr-4075	363	19	firms	firm	NOUN
framr-4075	363	20	have	have	AUX
framr-4075	363	21	embraced	embrace	VERB
framr-4075	363	22	.	.	PUNCT
framr-4075	364	1	the	the	DET
framr-4075	364	2	approaches	approach	NOUN
framr-4075	364	3	covered	cover	VERB
framr-4075	364	4	under	under	ADP
framr-4075	364	5	this	this	DET
framr-4075	364	6	phrase	phrase	NOUN
framr-4075	364	7	range	range	VERB
framr-4075	364	8	widely	widely	ADV
framr-4075	364	9	,	,	PUNCT
framr-4075	364	10	from	from	ADP
framr-4075	364	11	financial	financial	ADJ
framr-4075	364	12	service	service	NOUN
framr-4075	364	13	delivery	delivery	NOUN
framr-4075	364	14	to	to	ADP
framr-4075	364	15	data	data	NOUN
framr-4075	364	16	security	security	NOUN
framr-4075	364	17	(	(	PUNCT
framr-4075	364	18	gai	gai	X
framr-4075	364	19	et	et	PROPN
framr-4075	364	20	al	al	PROPN
framr-4075	364	21	.	.	PROPN
framr-4075	364	22	,	,	PUNCT
framr-4075	364	23	2018	2018	NUM
framr-4075	364	24	)	)	PUNCT
framr-4075	364	25	.	.	PUNCT
framr-4075	365	1	financial	financial	ADJ
framr-4075	365	2	data	datum	NOUN
framr-4075	365	3	security	security	NOUN
framr-4075	365	4	and	and	CCONJ
framr-4075	365	5	data	datum	NOUN
framr-4075	365	6	protection	protection	NOUN
framr-4075	365	7	are	be	AUX
framr-4075	365	8	related	relate	VERB
framr-4075	365	9	to	to	ADP
framr-4075	365	10	data	datum	NOUN
framr-4075	365	11	interchange	interchange	NOUN
framr-4075	365	12	,	,	PUNCT
framr-4075	365	13	and	and	CCONJ
framr-4075	365	14	fintech	fintech	NOUN
framr-4075	365	15	takes	take	VERB
framr-4075	365	16	into	into	ADP
framr-4075	365	17	account	account	NOUN
framr-4075	365	18	all	all	DET
framr-4075	365	19	other	other	ADJ
framr-4075	365	20	online	online	ADJ
framr-4075	365	21	hazards	hazard	NOUN
framr-4075	365	22	currently	currently	ADV
framr-4075	365	23	in	in	ADP
framr-4075	365	24	existence	existence	NOUN
framr-4075	365	25	(	(	PUNCT
framr-4075	365	26	mehrban	mehrban	NOUN
framr-4075	365	27	et	et	PROPN
framr-4075	365	28	al	al	PROPN
framr-4075	365	29	.	.	PROPN
framr-4075	365	30	,	,	PUNCT
framr-4075	365	31	2020	2020	NUM
framr-4075	365	32	)	)	PUNCT
framr-4075	365	33	.	.	PUNCT
framr-4075	366	1	fintech	fintech	NOUN
framr-4075	366	2	organizations	organization	NOUN
framr-4075	366	3	can	can	AUX
framr-4075	366	4	improve	improve	VERB
framr-4075	366	5	data	data	NOUN
framr-4075	366	6	security	security	NOUN
framr-4075	366	7	standards	standard	NOUN
framr-4075	366	8	,	,	PUNCT
framr-4075	366	9	foster	foster	ADJ
framr-4075	366	10	consumer	consumer	NOUN
framr-4075	366	11	confidence	confidence	NOUN
framr-4075	366	12	,	,	PUNCT
framr-4075	366	13	and	and	CCONJ
framr-4075	366	14	mitigate	mitigate	VERB
framr-4075	366	15	the	the	DET
framr-4075	366	16	risks	risk	NOUN
framr-4075	366	17	associated	associate	VERB
framr-4075	366	18	with	with	ADP
framr-4075	366	19	cyberattacks	cyberattack	NOUN
framr-4075	366	20	and	and	CCONJ
framr-4075	366	21	data	datum	NOUN
framr-4075	366	22	breaches	breach	NOUN
framr-4075	366	23	by	by	ADP
framr-4075	366	24	implementing	implement	VERB
framr-4075	366	25	encryption	encryption	NOUN
framr-4075	366	26	solutions	solution	NOUN
framr-4075	366	27	appropriately	appropriately	ADV
framr-4075	366	28	.	.	PUNCT
framr-4075	367	1	strict	strict	ADJ
framr-4075	367	2	legal	legal	ADJ
framr-4075	367	3	frameworks	framework	NOUN
framr-4075	367	4	about	about	ADP
framr-4075	367	5	data	datum	NOUN
framr-4075	367	6	security	security	NOUN
framr-4075	367	7	and	and	CCONJ
framr-4075	367	8	privacy	privacy	NOUN
framr-4075	367	9	must	must	AUX
framr-4075	367	10	be	be	AUX
framr-4075	367	11	followed	follow	VERB
framr-4075	367	12	by	by	ADP
framr-4075	367	13	fintech	fintech	NOUN
framr-4075	367	14	companies	company	NOUN
framr-4075	367	15	.	.	PUNCT
framr-4075	368	1	encryption	encryption	NOUN
framr-4075	368	2	methods	method	NOUN
framr-4075	368	3	that	that	PRON
framr-4075	368	4	abide	abide	VERB
framr-4075	368	5	by	by	ADP
framr-4075	368	6	legal	legal	ADJ
framr-4075	368	7	criteria	criterion	NOUN
framr-4075	368	8	guarantee	guarantee	VERB
framr-4075	368	9	compliance	compliance	NOUN
framr-4075	368	10	and	and	CCONJ
framr-4075	368	11	lessen	lessen	VERB
framr-4075	368	12	the	the	DET
framr-4075	368	13	chance	chance	NOUN
framr-4075	368	14	of	of	ADP
framr-4075	368	15	fines	fine	NOUN
framr-4075	368	16	or	or	CCONJ
framr-4075	368	17	penalties	penalty	NOUN
framr-4075	368	18	(	(	PUNCT
framr-4075	368	19	omolara	omolara	NOUN
framr-4075	368	20	et	et	PROPN
framr-4075	368	21	al	al	PROPN
framr-4075	368	22	.	.	PROPN
framr-4075	368	23	,	,	PUNCT
framr-4075	368	24	2024	2024	NUM
framr-4075	368	25	)	)	PUNCT
framr-4075	368	26	.	.	PUNCT
framr-4075	369	1	4.9	4.9	NUM
framr-4075	369	2	.	.	PUNCT
framr-4075	369	3	identity	identity	NOUN
framr-4075	369	4	verification	verification	NOUN
framr-4075	369	5	biometrics	biometric	NOUN
framr-4075	369	6	plays	play	VERB
framr-4075	369	7	a	a	DET
framr-4075	369	8	significant	significant	ADJ
framr-4075	369	9	role	role	NOUN
framr-4075	369	10	in	in	ADP
framr-4075	369	11	bolstering	bolster	VERB
framr-4075	369	12	the	the	DET
framr-4075	369	13	identification	identification	NOUN
framr-4075	369	14	of	of	ADP
framr-4075	369	15	such	such	ADJ
framr-4075	369	16	security	security	NOUN
framr-4075	369	17	applications	application	NOUN
framr-4075	369	18	,	,	PUNCT
framr-4075	369	19	particularly	particularly	ADV
framr-4075	369	20	with	with	ADP
framr-4075	369	21	the	the	DET
framr-4075	369	22	advent	advent	NOUN
framr-4075	369	23	of	of	ADP
framr-4075	369	24	fintech	fintech	NOUN
framr-4075	369	25	,	,	PUNCT
framr-4075	369	26	which	which	PRON
framr-4075	369	27	exploits	exploit	VERB
framr-4075	369	28	mobile	mobile	ADJ
framr-4075	369	29	devices	device	NOUN
framr-4075	369	30	and	and	CCONJ
framr-4075	369	31	applications	application	NOUN
framr-4075	369	32	as	as	ADP
framr-4075	369	33	promotional	promotional	ADJ
framr-4075	369	34	platforms	platform	NOUN
framr-4075	369	35	.	.	PUNCT
framr-4075	370	1	nonetheless	nonetheless	ADV
framr-4075	370	2	,	,	PUNCT
framr-4075	370	3	people	people	NOUN
framr-4075	370	4	continue	continue	VERB
framr-4075	370	5	to	to	PART
framr-4075	370	6	worry	worry	VERB
framr-4075	370	7	about	about	ADP
framr-4075	370	8	biometrics	biometric	NOUN
framr-4075	370	9	'	'	PART
framr-4075	370	10	privacy	privacy	NOUN
framr-4075	370	11	and	and	CCONJ
framr-4075	370	12	reliability	reliability	NOUN
framr-4075	370	13	(	(	PUNCT
framr-4075	370	14	wang	wang	PROPN
framr-4075	370	15	,	,	PUNCT
framr-4075	370	16	2021	2021	NUM
framr-4075	370	17	)	)	PUNCT
framr-4075	370	18	.	.	PUNCT
framr-4075	371	1	financial	financial	ADJ
framr-4075	371	2	services	service	NOUN
framr-4075	371	3	firms	firm	NOUN
framr-4075	371	4	employ	employ	VERB
framr-4075	371	5	several	several	ADJ
framr-4075	371	6	identification	identification	NOUN
framr-4075	371	7	methods	method	NOUN
framr-4075	371	8	in	in	ADP
framr-4075	371	9	fintech	fintech	NOUN
framr-4075	371	10	apps	app	NOUN
framr-4075	371	11	to	to	PART
framr-4075	371	12	enhance	enhance	VERB
framr-4075	371	13	fraud	fraud	NOUN
framr-4075	371	14	monitoring	monitoring	NOUN
framr-4075	371	15	and	and	CCONJ
framr-4075	371	16	user	user	NOUN
framr-4075	371	17	experience	experience	NOUN
framr-4075	371	18	(	(	PUNCT
framr-4075	371	19	wang	wang	PROPN
framr-4075	371	20	,	,	PUNCT
framr-4075	371	21	xue	xue	PROPN
framr-4075	371	22	,	,	PUNCT
framr-4075	371	23	liu	liu	PROPN
framr-4075	371	24	,	,	PUNCT
framr-4075	371	25	&	&	CCONJ
framr-4075	371	26	pei	pei	PROPN
framr-4075	371	27	,	,	PUNCT
framr-4075	371	28	2019	2019	NUM
framr-4075	371	29	;	;	PUNCT
framr-4075	371	30	zhu	zhu	PROPN
framr-4075	371	31	,	,	PUNCT
framr-4075	371	32	li	li	PROPN
framr-4075	371	33	,	,	PUNCT
framr-4075	371	34	wang	wang	PROPN
framr-4075	371	35	,	,	PUNCT
framr-4075	371	36	&	&	CCONJ
framr-4075	371	37	li	li	PROPN
framr-4075	371	38	,	,	PUNCT
framr-4075	371	39	2020	2020	NUM
framr-4075	371	40	)	)	PUNCT
framr-4075	371	41	.	.	PUNCT
framr-4075	372	1	ai	ai	VERB
framr-4075	372	2	-	-	PUNCT
framr-4075	372	3	driven	drive	VERB
framr-4075	372	4	biometrics	biometric	NOUN
framr-4075	372	5	can	can	AUX
framr-4075	372	6	reliably	reliably	ADV
framr-4075	372	7	confirm	confirm	VERB
framr-4075	372	8	user	user	NOUN
framr-4075	372	9	identities	identity	NOUN
framr-4075	372	10	by	by	ADP
framr-4075	372	11	examining	examine	VERB
framr-4075	372	12	distinctive	distinctive	ADJ
framr-4075	372	13	biological	biological	ADJ
framr-4075	372	14	characteristics	characteristic	NOUN
framr-4075	372	15	like	like	ADP
framr-4075	372	16	fingerprints	fingerprint	NOUN
framr-4075	372	17	,	,	PUNCT
framr-4075	372	18	facial	facial	ADJ
framr-4075	372	19	features	feature	NOUN
framr-4075	372	20	,	,	PUNCT
framr-4075	372	21	and	and	CCONJ
framr-4075	372	22	speech	speech	NOUN
framr-4075	372	23	patterns	pattern	NOUN
framr-4075	372	24	.	.	PUNCT
framr-4075	373	1	this	this	PRON
framr-4075	373	2	makes	make	VERB
framr-4075	373	3	it	it	PRON
framr-4075	373	4	more	more	ADV
framr-4075	373	5	difficult	difficult	ADJ
framr-4075	373	6	for	for	SCONJ
framr-4075	373	7	unwanted	unwanted	ADJ
framr-4075	373	8	parties	party	NOUN
framr-4075	373	9	to	to	PART
framr-4075	373	10	access	access	VERB
framr-4075	373	11	private	private	ADJ
framr-4075	373	12	financial	financial	ADJ
framr-4075	373	13	data	datum	NOUN
framr-4075	373	14	.	.	PUNCT
framr-4075	374	1	the	the	DET
framr-4075	374	2	potential	potential	NOUN
framr-4075	374	3	of	of	ADP
framr-4075	374	4	ai	ai	ADJ
framr-4075	374	5	-	-	PUNCT
framr-4075	374	6	driven	drive	VERB
framr-4075	374	7	biometrics	biometric	NOUN
framr-4075	374	8	in	in	ADP
framr-4075	374	9	fintech	fintech	NOUN
framr-4075	374	10	to	to	PART
framr-4075	374	11	strengthen	strengthen	VERB
framr-4075	374	12	security	security	NOUN
framr-4075	374	13	protocols	protocol	NOUN
framr-4075	374	14	is	be	AUX
framr-4075	374	15	one	one	NUM
framr-4075	374	16	of	of	ADP
framr-4075	374	17	its	its	PRON
framr-4075	374	18	main	main	ADJ
framr-4075	374	19	advantages	advantage	NOUN
framr-4075	374	20	.	.	PUNCT
framr-4075	375	1	passwords	password	NOUN
framr-4075	375	2	and	and	CCONJ
framr-4075	375	3	pins	pin	NOUN
framr-4075	375	4	,	,	PUNCT
framr-4075	375	5	which	which	PRON
framr-4075	375	6	are	be	AUX
framr-4075	375	7	considered	consider	VERB
framr-4075	375	8	traditional	traditional	ADJ
framr-4075	375	9	authentication	authentication	NOUN
framr-4075	375	10	techniques	technique	NOUN
framr-4075	375	11	,	,	PUNCT
framr-4075	375	12	are	be	AUX
framr-4075	375	13	becoming	become	VERB
framr-4075	375	14	more	more	ADV
framr-4075	375	15	susceptible	susceptible	ADJ
framr-4075	375	16	to	to	ADP
framr-4075	375	17	fraud	fraud	NOUN
framr-4075	375	18	and	and	CCONJ
framr-4075	375	19	hacking	hack	VERB
framr-4075	375	20	.	.	PUNCT
framr-4075	376	1	conversely	conversely	ADV
framr-4075	376	2	,	,	PUNCT
framr-4075	376	3	ai	ai	ADJ
framr-4075	376	4	-	-	PUNCT
framr-4075	376	5	driven	drive	VERB
framr-4075	376	6	biometrics	biometric	NOUN
framr-4075	376	7	uses	use	VERB
framr-4075	376	8	an	an	DET
framr-4075	376	9	individual	individual	NOUN
framr-4075	376	10	's	's	PART
framr-4075	376	11	unique	unique	ADJ
framr-4075	376	12	biological	biological	ADJ
framr-4075	376	13	features	feature	NOUN
framr-4075	376	14	to	to	PART
framr-4075	376	15	provide	provide	VERB
framr-4075	376	16	a	a	DET
framr-4075	376	17	better	well	ADJ
framr-4075	376	18	level	level	NOUN
framr-4075	376	19	of	of	ADP
framr-4075	376	20	protection	protection	NOUN
framr-4075	376	21	.	.	PUNCT
framr-4075	377	1	this	this	PRON
framr-4075	377	2	greatly	greatly	ADV
framr-4075	377	3	increases	increase	VERB
framr-4075	377	4	the	the	DET
framr-4075	377	5	difficulty	difficulty	NOUN
framr-4075	377	6	with	with	ADP
framr-4075	377	7	which	which	DET
framr-4075	377	8	scammers	scammer	NOUN
framr-4075	377	9	may	may	AUX
framr-4075	377	10	obtain	obtain	VERB
framr-4075	377	11	private	private	ADJ
framr-4075	377	12	financial	financial	ADJ
framr-4075	377	13	data	datum	NOUN
framr-4075	377	14	(	(	PUNCT
framr-4075	377	15	oseremi	oseremi	PROPN
framr-4075	377	16	,	,	PUNCT
framr-4075	377	17	yinka	yinka	ADJ
framr-4075	377	18	,	,	PUNCT
framr-4075	377	19	nsisong	nsisong	NOUN
framr-4075	377	20	,	,	PUNCT
framr-4075	377	21	&	&	CCONJ
framr-4075	377	22	damilola	damilola	PROPN
framr-4075	377	23	,	,	PUNCT
framr-4075	377	24	2024	2024	NUM
framr-4075	377	25	)	)	PUNCT
framr-4075	377	26	.	.	PUNCT
framr-4075	378	1	some	some	PRON
framr-4075	378	2	of	of	ADP
framr-4075	378	3	the	the	DET
framr-4075	378	4	problems	problem	NOUN
framr-4075	378	5	with	with	ADP
framr-4075	378	6	passwords	password	NOUN
framr-4075	378	7	and/or	and/or	CCONJ
framr-4075	378	8	personal	personal	ADJ
framr-4075	378	9	identification	identification	NOUN
framr-4075	378	10	numbers	number	NOUN
framr-4075	378	11	(	(	PUNCT
framr-4075	378	12	pins	pin	NOUN
framr-4075	378	13	)	)	PUNCT
framr-4075	378	14	can	can	AUX
framr-4075	378	15	be	be	AUX
framr-4075	378	16	solved	solve	VERB
framr-4075	378	17	by	by	ADP
framr-4075	378	18	biometric	biometric	ADJ
framr-4075	378	19	technology	technology	NOUN
framr-4075	378	20	.	.	PUNCT
framr-4075	379	1	for	for	ADP
framr-4075	379	2	instance	instance	NOUN
framr-4075	379	3	,	,	PUNCT
framr-4075	379	4	these	these	DET
framr-4075	379	5	technologies	technology	NOUN
framr-4075	379	6	enable	enable	VERB
framr-4075	379	7	illiterate	illiterate	ADJ
framr-4075	379	8	clients	client	NOUN
framr-4075	379	9	to	to	PART
framr-4075	379	10	use	use	VERB
framr-4075	379	11	financial	financial	ADJ
framr-4075	379	12	services	service	NOUN
framr-4075	379	13	such	such	ADJ
framr-4075	379	14	as	as	ADP
framr-4075	379	15	payment	payment	NOUN
framr-4075	379	16	processing	processing	NOUN
framr-4075	379	17	(	(	PUNCT
framr-4075	379	18	hollanders	hollander	NOUN
framr-4075	379	19	,	,	PUNCT
framr-4075	379	20	2020	2020	NUM
framr-4075	379	21	)	)	PUNCT
framr-4075	379	22	.	.	PUNCT
framr-4075	380	1	4.10	4.10	NUM
framr-4075	380	2	.	.	PUNCT
framr-4075	380	3	anomaly	anomaly	PROPN
framr-4075	380	4	detection	detection	NOUN
framr-4075	380	5	financial	financial	ADJ
framr-4075	380	6	cybersecurity	cybersecurity	NOUN
framr-4075	380	7	study	study	NOUN
framr-4075	380	8	and	and	CCONJ
framr-4075	380	9	development	development	NOUN
framr-4075	380	10	may	may	AUX
framr-4075	380	11	take	take	VERB
framr-4075	380	12	a	a	DET
framr-4075	380	13	positive	positive	ADJ
framr-4075	380	14	turn	turn	NOUN
framr-4075	380	15	in	in	ADP
framr-4075	380	16	the	the	DET
framr-4075	380	17	future	future	NOUN
framr-4075	380	18	with	with	ADP
framr-4075	380	19	the	the	DET
framr-4075	380	20	combined	combine	VERB
framr-4075	380	21	use	use	NOUN
framr-4075	380	22	of	of	ADP
framr-4075	380	23	anomaly	anomaly	NOUN
framr-4075	380	24	detection	detection	NOUN
framr-4075	380	25	and	and	CCONJ
framr-4075	380	26	federated	federated	ADJ
framr-4075	380	27	learning	learning	NOUN
framr-4075	380	28	,	,	PUNCT
framr-4075	380	29	which	which	PRON
framr-4075	380	30	may	may	AUX
framr-4075	380	31	greatly	greatly	ADV
framr-4075	380	32	improve	improve	VERB
framr-4075	380	33	the	the	DET
framr-4075	380	34	safety	safety	NOUN
framr-4075	380	35	record	record	NOUN
framr-4075	380	36	of	of	ADP
framr-4075	380	37	fintech	fintech	NOUN
framr-4075	380	38	systems	system	NOUN
framr-4075	380	39	.	.	PUNCT
framr-4075	381	1	every	every	DET
framr-4075	381	2	organization	organization	NOUN
framr-4075	381	3	uses	use	VERB
framr-4075	381	4	its	its	PRON
framr-4075	381	5	data	datum	NOUN
framr-4075	381	6	to	to	PART
framr-4075	381	7	train	train	VERB
framr-4075	381	8	a	a	DET
framr-4075	381	9	local	local	ADJ
framr-4075	381	10	model	model	NOUN
framr-4075	381	11	,	,	PUNCT
framr-4075	381	12	and	and	CCONJ
framr-4075	381	13	it	it	PRON
framr-4075	381	14	only	only	ADV
framr-4075	381	15	updates	update	VERB
framr-4075	381	16	the	the	DET
framr-4075	381	17	model	model	NOUN
framr-4075	381	18	when	when	SCONJ
framr-4075	381	19	it	it	PRON
framr-4075	381	20	receives	receive	VERB
framr-4075	381	21	updates	update	NOUN
framr-4075	381	22	from	from	ADP
framr-4075	381	23	a	a	DET
framr-4075	381	24	central	central	ADJ
framr-4075	381	25	server	server	NOUN
framr-4075	381	26	,	,	PUNCT
framr-4075	381	27	which	which	PRON
framr-4075	381	28	combines	combine	VERB
framr-4075	381	29	all	all	PRON
framr-4075	381	30	of	of	ADP
framr-4075	381	31	the	the	DET
framr-4075	381	32	changes	change	NOUN
framr-4075	381	33	into	into	ADP
framr-4075	381	34	a	a	DET
framr-4075	381	35	better	well	ADJ
framr-4075	381	36	global	global	ADJ
framr-4075	381	37	model	model	NOUN
framr-4075	381	38	.	.	PUNCT
framr-4075	382	1	this	this	DET
framr-4075	382	2	decentralized	decentralize	VERB
framr-4075	382	3	methodology	methodology	NOUN
framr-4075	382	4	allows	allow	VERB
framr-4075	382	5	for	for	ADP
framr-4075	382	6	a	a	DET
framr-4075	382	7	more	more	ADV
framr-4075	382	8	thorough	thorough	ADJ
framr-4075	382	9	and	and	CCONJ
framr-4075	382	10	generalizable	generalizable	ADJ
framr-4075	382	11	approach	approach	NOUN
framr-4075	382	12	to	to	ADP
framr-4075	382	13	threat	threat	NOUN
framr-4075	382	14	detection	detection	NOUN
framr-4075	382	15	while	while	SCONJ
framr-4075	382	16	mitigating	mitigate	VERB
framr-4075	382	17	the	the	DET
framr-4075	382	18	hazards	hazard	NOUN
framr-4075	382	19	associated	associate	VERB
framr-4075	382	20	with	with	ADP
framr-4075	382	21	data	datum	NOUN
framr-4075	382	22	centralization	centralization	NOUN
framr-4075	382	23	.	.	PUNCT
framr-4075	383	1	advanced	advanced	ADJ
framr-4075	383	2	anomaly	anomaly	NOUN
framr-4075	383	3	detection	detection	NOUN
framr-4075	383	4	techniques	technique	NOUN
framr-4075	383	5	are	be	AUX
framr-4075	383	6	essential	essential	ADJ
framr-4075	383	7	for	for	ADP
framr-4075	383	8	discovering	discover	VERB
framr-4075	383	9	fraudulent	fraudulent	ADJ
framr-4075	383	10	activity	activity	NOUN
framr-4075	383	11	and	and	CCONJ
framr-4075	383	12	system	system	NOUN
framr-4075	383	13	breaches	breach	NOUN
framr-4075	383	14	when	when	SCONJ
framr-4075	383	15	used	use	VERB
framr-4075	383	16	in	in	ADP
framr-4075	383	17	conjunction	conjunction	NOUN
framr-4075	383	18	with	with	ADP
framr-4075	383	19	federated	federated	ADJ
framr-4075	383	20	learning	learning	NOUN
framr-4075	383	21	(	(	PUNCT
framr-4075	383	22	noul	noul	PROPN
framr-4075	383	23	&	&	CCONJ
framr-4075	383	24	hussain	hussain	PROPN
framr-4075	383	25	,	,	PUNCT
framr-4075	383	26	2024	2024	NUM
framr-4075	383	27	)	)	PUNCT
framr-4075	383	28	.	.	PUNCT
framr-4075	384	1	ml	ml	PROPN
framr-4075	384	2	includes	include	VERB
framr-4075	384	3	anomaly	anomaly	NOUN
framr-4075	384	4	detection	detection	NOUN
framr-4075	384	5	methods	method	NOUN
framr-4075	384	6	that	that	PRON
framr-4075	384	7	automatically	automatically	ADV
framr-4075	384	8	recognize	recognize	VERB
framr-4075	384	9	and	and	CCONJ
framr-4075	384	10	categorize	categorize	VERB
framr-4075	384	11	suspicious	suspicious	ADJ
framr-4075	384	12	financial	financial	ADJ
framr-4075	384	13	network	network	NOUN
framr-4075	384	14	data	datum	NOUN
framr-4075	384	15	.	.	PUNCT
framr-4075	385	1	to	to	PART
framr-4075	385	2	create	create	VERB
framr-4075	385	3	models	model	NOUN
framr-4075	385	4	from	from	ADP
framr-4075	385	5	a	a	DET
framr-4075	385	6	dataset	dataset	NOUN
framr-4075	385	7	,	,	PUNCT
framr-4075	385	8	techniques	technique	NOUN
framr-4075	385	9	including	include	VERB
framr-4075	385	10	learning	learn	VERB
framr-4075	385	11	algorithms	algorithm	NOUN
framr-4075	385	12	,	,	PUNCT
framr-4075	385	13	statistical	statistical	ADJ
framr-4075	385	14	models	model	NOUN
framr-4075	385	15	,	,	PUNCT
framr-4075	385	16	and	and	CCONJ
framr-4075	385	17	artificial	artificial	ADJ
framr-4075	385	18	neural	neural	ADJ
framr-4075	385	19	networks	network	NOUN
framr-4075	385	20	(	(	PUNCT
framr-4075	385	21	ann	ann	PROPN
framr-4075	385	22	)	)	PUNCT
framr-4075	385	23	financial	financial	ADJ
framr-4075	385	24	risk	risk	NOUN
framr-4075	385	25	and	and	CCONJ
framr-4075	385	26	management	management	NOUN
framr-4075	385	27	reviews	review	NOUN
framr-4075	385	28	,	,	PUNCT
framr-4075	385	29	2025	2025	NUM
framr-4075	385	30	,	,	PUNCT
framr-4075	385	31	11(1	11(1	NUM
framr-4075	385	32	):	):	PUNCT
framr-4075	385	33	1	1	NUM
framr-4075	385	34	-	-	SYM
framr-4075	385	35	36	36	NUM
framr-4075	385	36	15	15	NUM
framr-4075	385	37	©	©	PROPN
framr-4075	385	38	2025	2025	NUM
framr-4075	385	39	conscientia	conscientia	PROPN
framr-4075	385	40	beam	beam	PROPN
framr-4075	385	41	.	.	PUNCT
framr-4075	386	1	all	all	DET
framr-4075	386	2	rights	right	NOUN
framr-4075	386	3	reserved	reserve	VERB
framr-4075	386	4	.	.	PUNCT
framr-4075	386	5	are	be	AUX
framr-4075	386	6	employed	employ	VERB
framr-4075	386	7	.	.	PUNCT
framr-4075	387	1	after	after	ADP
framr-4075	387	2	that	that	PRON
framr-4075	387	3	,	,	PUNCT
framr-4075	387	4	the	the	DET
framr-4075	387	5	final	final	ADJ
framr-4075	387	6	representation	representation	NOUN
framr-4075	387	7	is	be	AUX
framr-4075	387	8	examined	examine	VERB
framr-4075	387	9	to	to	PART
framr-4075	387	10	determine	determine	VERB
framr-4075	387	11	the	the	DET
framr-4075	387	12	best	good	ADJ
framr-4075	387	13	practices	practice	NOUN
framr-4075	387	14	and	and	CCONJ
framr-4075	387	15	guidelines	guideline	NOUN
framr-4075	387	16	for	for	ADP
framr-4075	387	17	preventing	prevent	VERB
framr-4075	387	18	fraud	fraud	NOUN
framr-4075	387	19	(	(	PUNCT
framr-4075	387	20	stojanović	stojanović	NOUN
framr-4075	387	21	et	et	PROPN
framr-4075	387	22	al	al	PROPN
framr-4075	387	23	.	.	PROPN
framr-4075	387	24	,	,	PUNCT
framr-4075	387	25	2021	2021	NUM
framr-4075	387	26	)	)	PUNCT
framr-4075	387	27	.	.	PUNCT
framr-4075	388	1	5	5	X
framr-4075	388	2	.	.	NOUN
framr-4075	388	3	negative	negative	ADJ
framr-4075	388	4	impacts	impact	NOUN
framr-4075	388	5	of	of	ADP
framr-4075	388	6	fintech	fintech	NOUN
framr-4075	388	7	on	on	ADP
framr-4075	388	8	financial	financial	ADJ
framr-4075	388	9	crimes	crime	NOUN
framr-4075	388	10	5.1	5.1	NUM
framr-4075	388	11	.	.	PUNCT
framr-4075	388	12	increased	increase	VERB
framr-4075	388	13	cybersecurity	cybersecurity	NOUN
framr-4075	388	14	threats	threat	NOUN
framr-4075	388	15	phishing	phishe	VERB
framr-4075	388	16	and	and	CCONJ
framr-4075	388	17	malware	malware	NOUN
framr-4075	388	18	assaults	assault	NOUN
framr-4075	388	19	are	be	AUX
framr-4075	388	20	two	two	NUM
framr-4075	388	21	common	common	ADJ
framr-4075	388	22	cybersecurity	cybersecurity	NOUN
framr-4075	388	23	concerns	concern	NOUN
framr-4075	388	24	in	in	ADP
framr-4075	388	25	the	the	DET
framr-4075	388	26	fintech	fintech	NOUN
framr-4075	388	27	sector	sector	NOUN
framr-4075	388	28	that	that	PRON
framr-4075	388	29	put	put	VERB
framr-4075	388	30	financial	financial	ADJ
framr-4075	388	31	institutions	institution	NOUN
framr-4075	388	32	and	and	CCONJ
framr-4075	388	33	their	their	PRON
framr-4075	388	34	clients	client	NOUN
framr-4075	388	35	at	at	ADP
framr-4075	388	36	serious	serious	ADJ
framr-4075	388	37	risk	risk	NOUN
framr-4075	388	38	.	.	PUNCT
framr-4075	389	1	phishing	phishe	VERB
framr-4075	389	2	attacks	attack	NOUN
framr-4075	389	3	utilise	utilise	VERB
framr-4075	389	4	a	a	DET
framr-4075	389	5	variety	variety	NOUN
framr-4075	389	6	of	of	ADP
framr-4075	389	7	strategies	strategy	NOUN
framr-4075	389	8	and	and	CCONJ
framr-4075	389	9	tactics	tactic	NOUN
framr-4075	389	10	,	,	PUNCT
framr-4075	389	11	such	such	ADJ
framr-4075	389	12	as	as	ADP
framr-4075	389	13	phoney	phoney	ADJ
framr-4075	389	14	emails	email	NOUN
framr-4075	389	15	and	and	CCONJ
framr-4075	389	16	websites	website	NOUN
framr-4075	389	17	used	use	VERB
framr-4075	389	18	to	to	PART
framr-4075	389	19	obtain	obtain	VERB
framr-4075	389	20	login	login	NOUN
framr-4075	389	21	credentials	credential	NOUN
framr-4075	389	22	(	(	PUNCT
framr-4075	389	23	gupta	gupta	PROPN
framr-4075	389	24	,	,	PUNCT
framr-4075	389	25	arachchilage	arachchilage	NOUN
framr-4075	389	26	,	,	PUNCT
framr-4075	389	27	&	&	CCONJ
framr-4075	389	28	psannis	psannis	NOUN
framr-4075	389	29	,	,	PUNCT
framr-4075	389	30	2018	2018	NUM
framr-4075	389	31	)	)	PUNCT
framr-4075	389	32	.	.	PUNCT
framr-4075	390	1	these	these	DET
framr-4075	390	2	assaults	assault	NOUN
framr-4075	390	3	have	have	VERB
framr-4075	390	4	the	the	DET
framr-4075	390	5	potential	potential	NOUN
framr-4075	390	6	to	to	PART
framr-4075	390	7	harm	harm	VERB
framr-4075	390	8	financial	financial	ADJ
framr-4075	390	9	institutions	institution	NOUN
framr-4075	390	10	as	as	ADV
framr-4075	390	11	well	well	ADV
framr-4075	390	12	as	as	ADP
framr-4075	390	13	people	people	NOUN
framr-4075	390	14	by	by	ADP
framr-4075	390	15	causing	cause	VERB
framr-4075	390	16	identity	identity	NOUN
framr-4075	390	17	theft	theft	NOUN
framr-4075	390	18	,	,	PUNCT
framr-4075	390	19	financial	financial	ADJ
framr-4075	390	20	losses	loss	NOUN
framr-4075	390	21	,	,	PUNCT
framr-4075	390	22	loss	loss	NOUN
framr-4075	390	23	of	of	ADP
framr-4075	390	24	personal	personal	ADJ
framr-4075	390	25	data	datum	NOUN
framr-4075	390	26	,	,	PUNCT
framr-4075	390	27	and	and	CCONJ
framr-4075	390	28	reputational	reputational	ADJ
framr-4075	390	29	harm	harm	NOUN
framr-4075	390	30	to	to	ADP
framr-4075	390	31	brands	brand	NOUN
framr-4075	390	32	(	(	PUNCT
framr-4075	390	33	mohammad	mohammad	PROPN
framr-4075	390	34	,	,	PUNCT
framr-4075	390	35	thabtah	thabtah	PROPN
framr-4075	390	36	,	,	PUNCT
framr-4075	390	37	&	&	CCONJ
framr-4075	390	38	mccluskey	mccluskey	PROPN
framr-4075	390	39	,	,	PUNCT
framr-4075	390	40	2015	2015	NUM
framr-4075	390	41	)	)	PUNCT
framr-4075	390	42	.	.	PUNCT
framr-4075	391	1	financial	financial	ADJ
framr-4075	391	2	institutions	institution	NOUN
framr-4075	391	3	may	may	AUX
framr-4075	391	4	suffer	suffer	VERB
framr-4075	391	5	significant	significant	ADJ
framr-4075	391	6	repercussions	repercussion	NOUN
framr-4075	391	7	from	from	ADP
framr-4075	391	8	these	these	DET
framr-4075	391	9	assaults	assault	NOUN
framr-4075	391	10	,	,	PUNCT
framr-4075	391	11	such	such	ADJ
framr-4075	391	12	as	as	ADP
framr-4075	391	13	monetary	monetary	ADJ
framr-4075	391	14	losses	loss	NOUN
framr-4075	391	15	,	,	PUNCT
framr-4075	391	16	harm	harm	NOUN
framr-4075	391	17	to	to	ADP
framr-4075	391	18	their	their	PRON
framr-4075	391	19	reputations	reputation	NOUN
framr-4075	391	20	,	,	PUNCT
framr-4075	391	21	and	and	CCONJ
framr-4075	391	22	regulatory	regulatory	ADJ
framr-4075	391	23	scrutiny	scrutiny	NOUN
framr-4075	391	24	.	.	PUNCT
framr-4075	392	1	furthermore	furthermore	ADV
framr-4075	392	2	,	,	PUNCT
framr-4075	392	3	cloud	cloud	ADJ
framr-4075	392	4	storage	storage	NOUN
framr-4075	392	5	has	have	AUX
framr-4075	392	6	been	be	AUX
framr-4075	392	7	the	the	DET
framr-4075	392	8	focus	focus	NOUN
framr-4075	392	9	of	of	ADP
framr-4075	392	10	an	an	DET
framr-4075	392	11	increase	increase	NOUN
framr-4075	392	12	in	in	ADP
framr-4075	392	13	ransomware	ransomware	NOUN
framr-4075	392	14	occurrences	occurrence	NOUN
framr-4075	392	15	,	,	PUNCT
framr-4075	392	16	which	which	PRON
framr-4075	392	17	has	have	AUX
framr-4075	392	18	prompted	prompt	VERB
framr-4075	392	19	the	the	DET
framr-4075	392	20	development	development	NOUN
framr-4075	392	21	of	of	ADP
framr-4075	392	22	machine	machine	NOUN
framr-4075	392	23	learning	learning	NOUN
framr-4075	392	24	-	-	PUNCT
framr-4075	392	25	based	base	VERB
framr-4075	392	26	hypervisor	hypervisor	NOUN
framr-4075	392	27	-	-	PUNCT
framr-4075	392	28	level	level	NOUN
framr-4075	392	29	ransomware	ransomware	NOUN
framr-4075	392	30	detection	detection	NOUN
framr-4075	392	31	(	(	PUNCT
framr-4075	392	32	umoga	umoga	PROPN
framr-4075	392	33	,	,	PUNCT
framr-4075	392	34	sodiya	sodiya	PROPN
framr-4075	392	35	,	,	PUNCT
framr-4075	392	36	amoo	amoo	NOUN
framr-4075	392	37	,	,	PUNCT
framr-4075	392	38	&	&	CCONJ
framr-4075	392	39	atadoga	atadoga	PROPN
framr-4075	392	40	,	,	PUNCT
framr-4075	392	41	2024	2024	NUM
framr-4075	392	42	)	)	PUNCT
framr-4075	392	43	.	.	PUNCT
framr-4075	393	1	fintech	fintech	NOUN
framr-4075	393	2	platforms	platform	NOUN
framr-4075	393	3	hold	hold	VERB
framr-4075	393	4	sensitive	sensitive	ADJ
framr-4075	393	5	financial	financial	ADJ
framr-4075	393	6	information	information	NOUN
framr-4075	393	7	,	,	PUNCT
framr-4075	393	8	including	include	VERB
framr-4075	393	9	payment	payment	NOUN
framr-4075	393	10	details	detail	NOUN
framr-4075	393	11	,	,	PUNCT
framr-4075	393	12	transaction	transaction	NOUN
framr-4075	393	13	records	record	NOUN
framr-4075	393	14	,	,	PUNCT
framr-4075	393	15	and	and	CCONJ
framr-4075	393	16	personal	personal	ADJ
framr-4075	393	17	and	and	CCONJ
framr-4075	393	18	financial	financial	ADJ
framr-4075	393	19	data	datum	NOUN
framr-4075	393	20	,	,	PUNCT
framr-4075	393	21	which	which	PRON
framr-4075	393	22	makes	make	VERB
framr-4075	393	23	them	they	PRON
framr-4075	393	24	appealing	appeal	VERB
framr-4075	393	25	targets	target	NOUN
framr-4075	393	26	for	for	ADP
framr-4075	393	27	fraudsters	fraudster	NOUN
framr-4075	393	28	.	.	PUNCT
framr-4075	394	1	the	the	DET
framr-4075	394	2	cybersecurity	cybersecurity	NOUN
framr-4075	394	3	dangers	danger	VERB
framr-4075	394	4	that	that	SCONJ
framr-4075	394	5	businesses	business	NOUN
framr-4075	394	6	in	in	ADP
framr-4075	394	7	the	the	DET
framr-4075	394	8	sector	sector	NOUN
framr-4075	394	9	confront	confront	NOUN
framr-4075	394	10	are	be	AUX
framr-4075	394	11	further	far	ADV
framr-4075	394	12	increased	increase	VERB
framr-4075	394	13	by	by	ADP
framr-4075	394	14	the	the	DET
framr-4075	394	15	interconnection	interconnection	NOUN
framr-4075	394	16	of	of	ADP
framr-4075	394	17	financial	financial	ADJ
framr-4075	394	18	systems	system	NOUN
framr-4075	394	19	,	,	PUNCT
framr-4075	394	20	the	the	DET
framr-4075	394	21	industry	industry	NOUN
framr-4075	394	22	's	's	PART
framr-4075	394	23	reliance	reliance	NOUN
framr-4075	394	24	on	on	ADP
framr-4075	394	25	outside	outside	ADJ
framr-4075	394	26	providers	provider	NOUN
framr-4075	394	27	,	,	PUNCT
framr-4075	394	28	and	and	CCONJ
framr-4075	394	29	the	the	DET
framr-4075	394	30	use	use	NOUN
framr-4075	394	31	of	of	ADP
framr-4075	394	32	cutting	cut	VERB
framr-4075	394	33	-	-	PUNCT
framr-4075	394	34	edge	edge	NOUN
framr-4075	394	35	technology	technology	NOUN
framr-4075	394	36	like	like	ADP
framr-4075	394	37	cloud	cloud	NOUN
framr-4075	394	38	computing	computing	NOUN
framr-4075	394	39	and	and	CCONJ
framr-4075	394	40	mobile	mobile	ADJ
framr-4075	394	41	apps	app	NOUN
framr-4075	394	42	(	(	PUNCT
framr-4075	394	43	ungureanu	ungureanu	PROPN
framr-4075	394	44	&	&	CCONJ
framr-4075	394	45	filip	filip	PROPN
framr-4075	394	46	,	,	PUNCT
framr-4075	394	47	2023	2023	NUM
framr-4075	394	48	)	)	PUNCT
framr-4075	394	49	.	.	PUNCT
framr-4075	395	1	5.2	5.2	NUM
framr-4075	395	2	.	.	PUNCT
framr-4075	396	1	greater	great	ADJ
framr-4075	396	2	anonymity	anonymity	NOUN
framr-4075	396	3	in	in	ADP
framr-4075	396	4	transactions	transaction	NOUN
framr-4075	396	5	digital	digital	ADJ
framr-4075	396	6	footprints	footprint	NOUN
framr-4075	396	7	are	be	AUX
framr-4075	396	8	left	leave	VERB
framr-4075	396	9	by	by	ADP
framr-4075	396	10	a	a	DET
framr-4075	396	11	variety	variety	NOUN
framr-4075	396	12	of	of	ADP
framr-4075	396	13	online	online	ADJ
framr-4075	396	14	activities	activity	NOUN
framr-4075	396	15	.	.	PUNCT
framr-4075	397	1	since	since	SCONJ
framr-4075	397	2	anonymity	anonymity	NOUN
framr-4075	397	3	is	be	AUX
framr-4075	397	4	only	only	ADV
framr-4075	397	5	concerned	concerned	ADJ
framr-4075	397	6	with	with	ADP
framr-4075	397	7	how	how	SCONJ
framr-4075	397	8	to	to	PART
framr-4075	397	9	connect	connect	VERB
framr-4075	397	10	an	an	DET
framr-4075	397	11	individual	individual	NOUN
framr-4075	397	12	to	to	ADP
framr-4075	397	13	their	their	PRON
framr-4075	397	14	purported	purport	VERB
framr-4075	397	15	identity	identity	NOUN
framr-4075	397	16	,	,	PUNCT
framr-4075	397	17	it	it	PRON
framr-4075	397	18	is	be	AUX
framr-4075	397	19	just	just	ADV
framr-4075	397	20	a	a	DET
framr-4075	397	21	matter	matter	NOUN
framr-4075	397	22	of	of	ADP
framr-4075	397	23	institutional	institutional	ADJ
framr-4075	397	24	design	design	NOUN
framr-4075	397	25	and	and	CCONJ
framr-4075	397	26	application	application	NOUN
framr-4075	397	27	administration	administration	NOUN
framr-4075	397	28	.	.	PUNCT
framr-4075	398	1	similar	similar	ADJ
framr-4075	398	2	to	to	ADP
framr-4075	398	3	how	how	SCONJ
framr-4075	398	4	deposited	deposit	VERB
framr-4075	398	5	money	money	NOUN
framr-4075	398	6	is	be	AUX
framr-4075	398	7	connected	connect	VERB
framr-4075	398	8	to	to	ADP
framr-4075	398	9	bank	bank	NOUN
framr-4075	398	10	accounts	account	NOUN
framr-4075	398	11	,	,	PUNCT
framr-4075	398	12	enabling	enable	VERB
framr-4075	398	13	the	the	DET
framr-4075	398	14	real	real	ADJ
framr-4075	398	15	-	-	PUNCT
framr-4075	398	16	name	name	NOUN
framr-4075	398	17	administration	administration	NOUN
framr-4075	398	18	of	of	ADP
framr-4075	398	19	anonymous	anonymous	PROPN
framr-4075	398	20	banknotes	banknote	NOUN
framr-4075	398	21	,	,	PUNCT
framr-4075	398	22	anonymity	anonymity	NOUN
framr-4075	398	23	is	be	AUX
framr-4075	398	24	not	not	PART
framr-4075	398	25	a	a	DET
framr-4075	398	26	necessary	necessary	ADJ
framr-4075	398	27	feature	feature	NOUN
framr-4075	398	28	in	in	ADP
framr-4075	398	29	digital	digital	ADJ
framr-4075	398	30	finance	finance	NOUN
framr-4075	398	31	,	,	PUNCT
framr-4075	398	32	except	except	SCONJ
framr-4075	398	33	for	for	ADP
framr-4075	398	34	money	money	NOUN
framr-4075	398	35	laundering	laundering	NOUN
framr-4075	398	36	(	(	PUNCT
framr-4075	398	37	daofu	daofu	NOUN
framr-4075	398	38	,	,	PUNCT
framr-4075	398	39	2020	2020	NUM
framr-4075	398	40	)	)	PUNCT
framr-4075	398	41	.	.	PUNCT
framr-4075	399	1	fintech	fintech	NOUN
framr-4075	399	2	not	not	PART
framr-4075	399	3	only	only	ADV
framr-4075	399	4	puts	put	VERB
framr-4075	399	5	its	its	PRON
framr-4075	399	6	users	user	NOUN
framr-4075	399	7	at	at	ADP
framr-4075	399	8	risk	risk	NOUN
framr-4075	399	9	,	,	PUNCT
framr-4075	399	10	but	but	CCONJ
framr-4075	399	11	also	also	ADV
framr-4075	399	12	the	the	DET
framr-4075	399	13	interests	interest	NOUN
framr-4075	399	14	of	of	ADP
framr-4075	399	15	the	the	DET
framr-4075	399	16	general	general	ADJ
framr-4075	399	17	public	public	NOUN
framr-4075	399	18	.	.	PUNCT
framr-4075	400	1	for	for	ADP
framr-4075	400	2	instance	instance	NOUN
framr-4075	400	3	,	,	PUNCT
framr-4075	400	4	the	the	DET
framr-4075	400	5	anonymity	anonymity	NOUN
framr-4075	400	6	offered	offer	VERB
framr-4075	400	7	by	by	ADP
framr-4075	400	8	an	an	DET
framr-4075	400	9	international	international	ADJ
framr-4075	400	10	marketplace	marketplace	NOUN
framr-4075	400	11	may	may	AUX
framr-4075	400	12	encourage	encourage	VERB
framr-4075	400	13	illegal	illegal	ADJ
framr-4075	400	14	misuse	misuse	NOUN
framr-4075	400	15	.	.	PUNCT
framr-4075	401	1	virtual	virtual	ADJ
framr-4075	401	2	currencies	currency	NOUN
framr-4075	401	3	,	,	PUNCT
framr-4075	401	4	like	like	ADP
framr-4075	401	5	bitcoin	bitcoin	NOUN
framr-4075	401	6	,	,	PUNCT
framr-4075	401	7	and	and	CCONJ
framr-4075	401	8	the	the	DET
framr-4075	401	9	exchange	exchange	NOUN
framr-4075	401	10	systems	system	NOUN
framr-4075	401	11	that	that	PRON
framr-4075	401	12	support	support	VERB
framr-4075	401	13	them	they	PRON
framr-4075	401	14	have	have	AUX
framr-4075	401	15	developed	develop	VERB
framr-4075	401	16	into	into	ADP
framr-4075	401	17	havens	haven	NOUN
framr-4075	401	18	for	for	ADP
framr-4075	401	19	blackmailers	blackmailer	NOUN
framr-4075	401	20	,	,	PUNCT
framr-4075	401	21	tax	tax	NOUN
framr-4075	401	22	evaders	evader	NOUN
framr-4075	401	23	,	,	PUNCT
framr-4075	401	24	drug	drug	NOUN
framr-4075	401	25	and	and	CCONJ
framr-4075	401	26	weapon	weapon	NOUN
framr-4075	401	27	traffickers	trafficker	NOUN
framr-4075	401	28	,	,	PUNCT
framr-4075	401	29	and	and	CCONJ
framr-4075	401	30	money	money	NOUN
framr-4075	401	31	launderers	launderer	NOUN
framr-4075	401	32	(	(	PUNCT
framr-4075	401	33	lehmann	lehmann	PROPN
framr-4075	401	34	,	,	PUNCT
framr-4075	401	35	2020	2020	NUM
framr-4075	401	36	)	)	PUNCT
framr-4075	401	37	.	.	PUNCT
framr-4075	402	1	5.3	5.3	NUM
framr-4075	402	2	.	.	PUNCT
framr-4075	402	3	complexity	complexity	NOUN
framr-4075	402	4	in	in	ADP
framr-4075	402	5	tracking	track	VERB
framr-4075	402	6	digital	digital	ADJ
framr-4075	402	7	crimes	crime	NOUN
framr-4075	402	8	data	datum	NOUN
framr-4075	402	9	protection	protection	NOUN
framr-4075	402	10	is	be	AUX
framr-4075	402	11	the	the	DET
framr-4075	402	12	second	second	ADJ
framr-4075	402	13	main	main	ADJ
framr-4075	402	14	area	area	NOUN
framr-4075	402	15	of	of	ADP
framr-4075	402	16	concern	concern	NOUN
framr-4075	402	17	,	,	PUNCT
framr-4075	402	18	which	which	PRON
framr-4075	402	19	is	be	AUX
framr-4075	402	20	highlighted	highlight	VERB
framr-4075	402	21	by	by	ADP
framr-4075	402	22	the	the	DET
framr-4075	402	23	growing	grow	VERB
framr-4075	402	24	importance	importance	NOUN
framr-4075	402	25	of	of	ADP
framr-4075	402	26	data	datum	NOUN
framr-4075	402	27	in	in	ADP
framr-4075	402	28	the	the	DET
framr-4075	402	29	financial	financial	ADJ
framr-4075	402	30	industry	industry	NOUN
framr-4075	402	31	.	.	PUNCT
framr-4075	403	1	distinct	distinct	ADJ
framr-4075	403	2	economies	economy	NOUN
framr-4075	403	3	are	be	AUX
framr-4075	403	4	developing	develop	VERB
framr-4075	403	5	distinct	distinct	ADJ
framr-4075	403	6	policies	policy	NOUN
framr-4075	403	7	,	,	PUNCT
framr-4075	403	8	some	some	PRON
framr-4075	403	9	of	of	ADP
framr-4075	403	10	which	which	PRON
framr-4075	403	11	are	be	AUX
framr-4075	403	12	reflective	reflective	ADJ
framr-4075	403	13	of	of	ADP
framr-4075	403	14	essentially	essentially	ADV
framr-4075	403	15	divergent	divergent	ADJ
framr-4075	403	16	social	social	ADJ
framr-4075	403	17	perspectives	perspective	NOUN
framr-4075	403	18	.	.	PUNCT
framr-4075	404	1	the	the	DET
framr-4075	404	2	main	main	ADJ
framr-4075	404	3	instances	instance	NOUN
framr-4075	404	4	of	of	ADP
framr-4075	404	5	differing	differ	VERB
framr-4075	404	6	legal	legal	ADJ
framr-4075	404	7	frameworks	framework	NOUN
framr-4075	404	8	regarding	regard	VERB
framr-4075	404	9	the	the	DET
framr-4075	404	10	usage	usage	NOUN
framr-4075	404	11	,	,	PUNCT
framr-4075	404	12	ownership	ownership	NOUN
framr-4075	404	13	,	,	PUNCT
framr-4075	404	14	and	and	CCONJ
framr-4075	404	15	protection	protection	NOUN
framr-4075	404	16	of	of	ADP
framr-4075	404	17	data	datum	NOUN
framr-4075	404	18	are	be	AUX
framr-4075	404	19	the	the	DET
framr-4075	404	20	us	us	PROPN
framr-4075	404	21	,	,	PUNCT
framr-4075	404	22	china	china	PROPN
framr-4075	404	23	,	,	PUNCT
framr-4075	404	24	and	and	CCONJ
framr-4075	404	25	the	the	DET
framr-4075	404	26	eu	eu	PROPN
framr-4075	404	27	(	(	PUNCT
framr-4075	404	28	buckley	buckley	PROPN
framr-4075	404	29	,	,	PUNCT
framr-4075	404	30	arner	arner	NOUN
framr-4075	404	31	,	,	PUNCT
framr-4075	404	32	zetzsche	zetzsche	NOUN
framr-4075	404	33	,	,	PUNCT
framr-4075	404	34	&	&	CCONJ
framr-4075	404	35	selga	selga	NOUN
framr-4075	404	36	,	,	PUNCT
framr-4075	404	37	2019	2019	NUM
framr-4075	404	38	)	)	PUNCT
framr-4075	404	39	.	.	PUNCT
framr-4075	405	1	to	to	PART
framr-4075	405	2	cover	cover	VERB
framr-4075	405	3	their	their	PRON
framr-4075	405	4	traces	trace	NOUN
framr-4075	405	5	and	and	CCONJ
framr-4075	405	6	launder	launder	VERB
framr-4075	405	7	money	money	NOUN
framr-4075	405	8	that	that	PRON
framr-4075	405	9	has	have	AUX
framr-4075	405	10	been	be	AUX
framr-4075	405	11	stolen	steal	VERB
framr-4075	405	12	,	,	PUNCT
framr-4075	405	13	thieves	thief	NOUN
framr-4075	405	14	use	use	VERB
framr-4075	405	15	money	money	NOUN
framr-4075	405	16	mules	mule	NOUN
framr-4075	405	17	.	.	PUNCT
framr-4075	406	1	sometimes	sometimes	ADV
framr-4075	406	2	,	,	PUNCT
framr-4075	406	3	through	through	ADP
framr-4075	406	4	online	online	ADJ
framr-4075	406	5	job	job	NOUN
framr-4075	406	6	portals	portal	NOUN
framr-4075	406	7	or	or	CCONJ
framr-4075	406	8	spam	spam	VERB
framr-4075	406	9	campaigns	campaign	NOUN
framr-4075	406	10	promising	promise	VERB
framr-4075	406	11	"	"	PUNCT
framr-4075	406	12	earn	earn	VERB
framr-4075	406	13	extra	extra	ADJ
framr-4075	406	14	money	money	NOUN
framr-4075	406	15	in	in	ADP
framr-4075	406	16	your	your	PRON
framr-4075	406	17	spare	spare	ADJ
framr-4075	406	18	time	time	NOUN
framr-4075	406	19	!	!	PUNCT
framr-4075	406	20	”	"	PUNCT
framr-4075	407	1	people	people	NOUN
framr-4075	407	2	are	be	AUX
framr-4075	407	3	recruited	recruit	VERB
framr-4075	407	4	as	as	ADP
framr-4075	407	5	mules	mule	NOUN
framr-4075	407	6	in	in	ADP
framr-4075	407	7	the	the	DET
framr-4075	407	8	hopes	hope	NOUN
framr-4075	407	9	of	of	ADP
framr-4075	407	10	obtaining	obtain	VERB
framr-4075	407	11	part	part	ADJ
framr-4075	407	12	-	-	PUNCT
framr-4075	407	13	time	time	NOUN
framr-4075	407	14	work	work	NOUN
framr-4075	407	15	as	as	ADP
framr-4075	407	16	"	"	PUNCT
framr-4075	407	17	financial	financial	ADJ
framr-4075	407	18	intermediaries	intermediary	NOUN
framr-4075	407	19	.	.	PUNCT
framr-4075	407	20	"	"	PUNCT
framr-4075	408	1	after	after	SCONJ
framr-4075	408	2	the	the	DET
framr-4075	408	3	money	money	NOUN
framr-4075	408	4	is	be	AUX
framr-4075	408	5	deposited	deposit	VERB
framr-4075	408	6	into	into	ADP
framr-4075	408	7	the	the	DET
framr-4075	408	8	mule	mule	NOUN
framr-4075	408	9	's	's	PART
framr-4075	408	10	account	account	NOUN
framr-4075	408	11	,	,	PUNCT
framr-4075	408	12	it	it	PRON
framr-4075	408	13	is	be	AUX
framr-4075	408	14	assumed	assume	VERB
framr-4075	408	15	that	that	SCONJ
framr-4075	408	16	they	they	PRON
framr-4075	408	17	will	will	AUX
framr-4075	408	18	take	take	VERB
framr-4075	408	19	cash	cash	NOUN
framr-4075	408	20	out	out	ADP
framr-4075	408	21	,	,	PUNCT
framr-4075	408	22	retain	retain	VERB
framr-4075	408	23	a	a	DET
framr-4075	408	24	certain	certain	ADJ
framr-4075	408	25	amount	amount	NOUN
framr-4075	408	26	,	,	PUNCT
framr-4075	408	27	and	and	CCONJ
framr-4075	408	28	send	send	VERB
framr-4075	408	29	the	the	DET
framr-4075	408	30	remaining	remain	VERB
framr-4075	408	31	amount	amount	NOUN
framr-4075	408	32	to	to	ADP
framr-4075	408	33	another	another	DET
framr-4075	408	34	receiver	receiver	NOUN
framr-4075	408	35	(	(	PUNCT
framr-4075	408	36	usually	usually	ADV
framr-4075	408	37	using	use	VERB
framr-4075	408	38	a	a	DET
framr-4075	408	39	cash	cash	NOUN
framr-4075	408	40	transfer	transfer	NOUN
framr-4075	408	41	service	service	NOUN
framr-4075	408	42	)	)	PUNCT
framr-4075	408	43	(	(	PUNCT
framr-4075	408	44	nikkel	nikkel	NOUN
framr-4075	408	45	,	,	PUNCT
framr-4075	408	46	2020	2020	NUM
framr-4075	408	47	)	)	PUNCT
framr-4075	408	48	.	.	PUNCT
framr-4075	409	1	once	once	SCONJ
framr-4075	409	2	identification	identification	NOUN
framr-4075	409	3	information	information	NOUN
framr-4075	409	4	has	have	AUX
framr-4075	409	5	been	be	AUX
framr-4075	409	6	recorded	record	VERB
framr-4075	409	7	,	,	PUNCT
framr-4075	409	8	it	it	PRON
framr-4075	409	9	is	be	AUX
framr-4075	409	10	more	more	ADV
framr-4075	409	11	difficult	difficult	ADJ
framr-4075	409	12	for	for	SCONJ
framr-4075	409	13	hostile	hostile	ADJ
framr-4075	409	14	actors	actor	NOUN
framr-4075	409	15	to	to	PART
framr-4075	409	16	tamper	tamper	VERB
framr-4075	409	17	with	with	ADP
framr-4075	409	18	or	or	CCONJ
framr-4075	409	19	alter	alter	VERB
framr-4075	409	20	it	it	PRON
framr-4075	409	21	due	due	ADP
framr-4075	409	22	to	to	ADP
framr-4075	409	23	the	the	DET
framr-4075	409	24	immutability	immutability	NOUN
framr-4075	409	25	of	of	ADP
framr-4075	409	26	the	the	DET
framr-4075	409	27	blockchain	blockchain	PROPN
framr-4075	409	28	ledger	ledger	NOUN
framr-4075	409	29	.	.	PUNCT
framr-4075	410	1	blockchain	blockchain	PROPN
framr-4075	410	2	technology	technology	PROPN
framr-4075	410	3	provides	provide	VERB
framr-4075	410	4	viable	viable	ADJ
framr-4075	410	5	remedies	remedy	NOUN
framr-4075	410	6	for	for	ADP
framr-4075	410	7	a	a	DET
framr-4075	410	8	range	range	NOUN
framr-4075	410	9	of	of	ADP
framr-4075	410	10	issues	issue	NOUN
framr-4075	410	11	of	of	ADP
framr-4075	410	12	digital	digital	ADJ
framr-4075	410	13	identification	identification	NOUN
framr-4075	410	14	(	(	PUNCT
framr-4075	410	15	utkina	utkina	ADJ
framr-4075	410	16	,	,	PUNCT
framr-4075	410	17	2023	2023	NUM
framr-4075	410	18	)	)	PUNCT
framr-4075	410	19	.	.	PUNCT
framr-4075	411	1	5.4	5.4	NUM
framr-4075	411	2	.	.	PUNCT
framr-4075	411	3	potential	potential	NOUN
framr-4075	411	4	for	for	ADP
framr-4075	411	5	regulatory	regulatory	ADJ
framr-4075	411	6	gaps	gap	NOUN
framr-4075	411	7	the	the	DET
framr-4075	411	8	challenge	challenge	NOUN
framr-4075	411	9	that	that	PRON
framr-4075	411	10	bigtechs	bigtech	NOUN
framr-4075	411	11	provide	provide	VERB
framr-4075	411	12	to	to	ADP
framr-4075	411	13	central	central	ADJ
framr-4075	411	14	banks	bank	NOUN
framr-4075	411	15	'	'	PART
framr-4075	411	16	responsibilities	responsibility	NOUN
framr-4075	411	17	and	and	CCONJ
framr-4075	411	18	the	the	DET
framr-4075	411	19	data	data	NOUN
framr-4075	411	20	gaps	gap	VERB
framr-4075	411	21	that	that	PRON
framr-4075	411	22	arise	arise	VERB
framr-4075	411	23	in	in	ADP
framr-4075	411	24	connection	connection	NOUN
framr-4075	411	25	with	with	ADP
framr-4075	411	26	their	their	PRON
framr-4075	411	27	operations	operation	NOUN
framr-4075	411	28	are	be	AUX
framr-4075	411	29	further	further	ADJ
framr-4075	411	30	implications	implication	NOUN
framr-4075	411	31	.	.	PUNCT
framr-4075	412	1	bigtech	bigtech	NOUN
framr-4075	412	2	businesses	business	NOUN
framr-4075	412	3	are	be	AUX
framr-4075	412	4	trying	try	VERB
framr-4075	412	5	to	to	PART
framr-4075	412	6	establish	establish	VERB
framr-4075	412	7	themselves	themselves	PRON
framr-4075	412	8	as	as	ADP
framr-4075	412	9	financial	financial	ADJ
framr-4075	412	10	risk	risk	NOUN
framr-4075	412	11	and	and	CCONJ
framr-4075	412	12	management	management	NOUN
framr-4075	412	13	reviews	review	NOUN
framr-4075	412	14	,	,	PUNCT
framr-4075	412	15	2025	2025	NUM
framr-4075	412	16	,	,	PUNCT
framr-4075	412	17	11(1	11(1	NUM
framr-4075	412	18	):	):	PUNCT
framr-4075	412	19	1	1	NUM
framr-4075	412	20	-	-	SYM
framr-4075	412	21	36	36	NUM
framr-4075	412	22	16	16	NUM
framr-4075	412	23	©	©	PROPN
framr-4075	412	24	2025	2025	NUM
framr-4075	412	25	conscientia	conscientia	PROPN
framr-4075	412	26	beam	beam	PROPN
framr-4075	412	27	.	.	PUNCT
framr-4075	413	1	all	all	DET
framr-4075	413	2	rights	right	NOUN
framr-4075	413	3	reserved	reserve	VERB
framr-4075	413	4	.	.	PUNCT
framr-4075	414	1	an	an	DET
framr-4075	414	2	important	important	ADJ
framr-4075	414	3	category	category	NOUN
framr-4075	414	4	of	of	ADP
framr-4075	414	5	fintech	fintech	NOUN
framr-4075	414	6	business	business	NOUN
framr-4075	414	7	.	.	PUNCT
framr-4075	415	1	along	along	ADP
framr-4075	415	2	with	with	ADP
framr-4075	415	3	significant	significant	ADJ
framr-4075	415	4	benefits	benefit	NOUN
framr-4075	415	5	like	like	ADP
framr-4075	415	6	economies	economy	NOUN
framr-4075	415	7	of	of	ADP
framr-4075	415	8	scale	scale	NOUN
framr-4075	415	9	and	and	CCONJ
framr-4075	415	10	the	the	DET
framr-4075	415	11	international	international	ADJ
framr-4075	415	12	reach	reach	NOUN
framr-4075	415	13	of	of	ADP
framr-4075	415	14	their	their	PRON
framr-4075	415	15	platforms	platform	NOUN
framr-4075	415	16	,	,	PUNCT
framr-4075	415	17	these	these	DET
framr-4075	415	18	businesses	business	NOUN
framr-4075	415	19	also	also	ADV
framr-4075	415	20	enjoy	enjoy	VERB
framr-4075	415	21	the	the	DET
framr-4075	415	22	advantage	advantage	NOUN
framr-4075	415	23	of	of	ADP
framr-4075	415	24	user	user	NOUN
framr-4075	415	25	-	-	PUNCT
framr-4075	415	26	generated	generate	VERB
framr-4075	415	27	data	datum	NOUN
framr-4075	415	28	and	and	CCONJ
framr-4075	415	29	advanced	advanced	ADJ
framr-4075	415	30	data	datum	NOUN
framr-4075	415	31	analytics	analytic	NOUN
framr-4075	415	32	.	.	PUNCT
framr-4075	416	1	the	the	DET
framr-4075	416	2	region	region	NOUN
framr-4075	416	3	's	's	PART
framr-4075	416	4	financial	financial	ADJ
framr-4075	416	5	authorities	authority	NOUN
framr-4075	416	6	have	have	VERB
framr-4075	416	7	a	a	DET
framr-4075	416	8	dilemma	dilemma	NOUN
framr-4075	416	9	in	in	ADP
framr-4075	416	10	light	light	NOUN
framr-4075	416	11	of	of	ADP
framr-4075	416	12	all	all	PRON
framr-4075	416	13	of	of	ADP
framr-4075	416	14	these	these	DET
framr-4075	416	15	possible	possible	ADJ
framr-4075	416	16	data	datum	NOUN
framr-4075	416	17	gaps	gap	NOUN
framr-4075	416	18	resulting	result	VERB
framr-4075	416	19	from	from	ADP
framr-4075	416	20	growing	grow	VERB
framr-4075	416	21	fintech	fintech	NOUN
framr-4075	416	22	activity	activity	NOUN
framr-4075	416	23	in	in	ADP
framr-4075	416	24	the	the	DET
framr-4075	416	25	banking	banking	NOUN
framr-4075	416	26	system	system	NOUN
framr-4075	416	27	(	(	PUNCT
framr-4075	416	28	marqués	marqués	X
framr-4075	416	29	et	et	PROPN
framr-4075	416	30	al	al	PROPN
framr-4075	416	31	.	.	PROPN
framr-4075	416	32	,	,	PUNCT
framr-4075	416	33	2021	2021	NUM
framr-4075	416	34	)	)	PUNCT
framr-4075	416	35	.	.	PUNCT
framr-4075	417	1	when	when	SCONJ
framr-4075	417	2	consumer	consumer	NOUN
framr-4075	417	3	credit	credit	NOUN
framr-4075	417	4	originates	originate	NOUN
framr-4075	417	5	from	from	ADP
framr-4075	417	6	the	the	DET
framr-4075	417	7	banking	banking	NOUN
framr-4075	417	8	industry	industry	NOUN
framr-4075	417	9	rather	rather	ADV
framr-4075	417	10	than	than	ADP
framr-4075	417	11	fintech	fintech	NOUN
framr-4075	417	12	,	,	PUNCT
framr-4075	417	13	regulatory	regulatory	ADJ
framr-4075	417	14	loopholes	loophole	NOUN
framr-4075	417	15	arise	arise	VERB
framr-4075	417	16	since	since	SCONJ
framr-4075	417	17	supervisory	supervisory	ADJ
framr-4075	417	18	frameworks	framework	NOUN
framr-4075	417	19	tend	tend	VERB
framr-4075	417	20	to	to	PART
framr-4075	417	21	concentrate	concentrate	VERB
framr-4075	417	22	on	on	ADP
framr-4075	417	23	this	this	DET
framr-4075	417	24	area	area	NOUN
framr-4075	417	25	.	.	PUNCT
framr-4075	418	1	the	the	DET
framr-4075	418	2	financial	financial	ADJ
framr-4075	418	3	ramifications	ramification	NOUN
framr-4075	418	4	encompass	encompass	VERB
framr-4075	418	5	imprecise	imprecise	ADJ
framr-4075	418	6	risk	risk	NOUN
framr-4075	418	7	assessment	assessment	NOUN
framr-4075	418	8	as	as	SCONJ
framr-4075	418	9	fintech	fintech	NOUN
framr-4075	418	10	companies	company	NOUN
framr-4075	418	11	endeavour	endeavour	VERB
framr-4075	418	12	to	to	PART
framr-4075	418	13	precisely	precisely	ADV
framr-4075	418	14	handle	handle	VERB
framr-4075	418	15	and	and	CCONJ
framr-4075	418	16	apply	apply	VERB
framr-4075	418	17	the	the	DET
framr-4075	418	18	extensive	extensive	ADJ
framr-4075	418	19	array	array	NOUN
framr-4075	418	20	of	of	ADP
framr-4075	418	21	data	datum	NOUN
framr-4075	418	22	at	at	ADP
framr-4075	418	23	their	their	PRON
framr-4075	418	24	disposal	disposal	NOUN
framr-4075	418	25	,	,	PUNCT
framr-4075	418	26	and	and	CCONJ
framr-4075	418	27	plausible	plausible	ADJ
framr-4075	418	28	conduct	conduct	NOUN
framr-4075	418	29	issues	issue	NOUN
framr-4075	418	30	culminating	culminate	VERB
framr-4075	418	31	in	in	ADP
framr-4075	418	32	extensive	extensive	ADJ
framr-4075	418	33	nonpayment	nonpayment	NOUN
framr-4075	418	34	when	when	SCONJ
framr-4075	418	35	impoverished	impoverished	ADJ
framr-4075	418	36	populations	population	NOUN
framr-4075	418	37	,	,	PUNCT
framr-4075	418	38	especially	especially	ADV
framr-4075	418	39	the	the	DET
framr-4075	418	40	unbanked	unbanked	ADJ
framr-4075	418	41	,	,	PUNCT
framr-4075	418	42	obtain	obtain	VERB
framr-4075	418	43	official	official	ADJ
framr-4075	418	44	credit	credit	NOUN
framr-4075	418	45	for	for	ADP
framr-4075	418	46	the	the	DET
framr-4075	418	47	first	first	ADJ
framr-4075	418	48	time	time	NOUN
framr-4075	418	49	.	.	PUNCT
framr-4075	419	1	numerous	numerous	ADJ
framr-4075	419	2	banks	bank	NOUN
framr-4075	419	3	have	have	AUX
framr-4075	419	4	expressed	express	VERB
framr-4075	419	5	concern	concern	NOUN
framr-4075	419	6	about	about	ADP
framr-4075	419	7	the	the	DET
framr-4075	419	8	rise	rise	NOUN
framr-4075	419	9	of	of	ADP
framr-4075	419	10	fintech	fintech	NOUN
framr-4075	419	11	firms	firm	NOUN
framr-4075	419	12	.	.	PUNCT
framr-4075	420	1	additionally	additionally	ADV
framr-4075	420	2	,	,	PUNCT
framr-4075	420	3	they	they	PRON
framr-4075	420	4	have	have	AUX
framr-4075	420	5	publicly	publicly	ADV
framr-4075	420	6	expressed	express	VERB
framr-4075	420	7	their	their	PRON
framr-4075	420	8	concerns	concern	NOUN
framr-4075	420	9	regarding	regard	VERB
framr-4075	420	10	fintech	fintech	NOUN
framr-4075	420	11	competition	competition	NOUN
framr-4075	420	12	and	and	CCONJ
framr-4075	420	13	regulations	regulation	NOUN
framr-4075	420	14	that	that	PRON
framr-4075	420	15	adhere	adhere	VERB
framr-4075	420	16	to	to	ADP
framr-4075	420	17	the	the	DET
framr-4075	420	18	same	same	ADJ
framr-4075	420	19	strict	strict	ADJ
framr-4075	420	20	guidelines	guideline	NOUN
framr-4075	420	21	.	.	PUNCT
framr-4075	421	1	the	the	DET
framr-4075	421	2	sector	sector	NOUN
framr-4075	421	3	is	be	AUX
framr-4075	421	4	under	under	ADP
framr-4075	421	5	attack	attack	NOUN
framr-4075	421	6	because	because	SCONJ
framr-4075	421	7	the	the	DET
framr-4075	421	8	lines	line	NOUN
framr-4075	421	9	have	have	AUX
framr-4075	421	10	likewise	likewise	ADV
framr-4075	421	11	blurred	blur	VERB
framr-4075	421	12	:	:	PUNCT
framr-4075	421	13	fintech	fintech	NOUN
framr-4075	421	14	is	be	AUX
framr-4075	421	15	no	no	ADV
framr-4075	421	16	longer	long	ADV
framr-4075	421	17	the	the	DET
framr-4075	421	18	domain	domain	NOUN
framr-4075	421	19	of	of	ADP
framr-4075	421	20	established	establish	VERB
framr-4075	421	21	financial	financial	ADJ
framr-4075	421	22	players	player	NOUN
framr-4075	421	23	,	,	PUNCT
framr-4075	421	24	and	and	CCONJ
framr-4075	421	25	regulators	regulator	NOUN
framr-4075	421	26	are	be	AUX
framr-4075	421	27	no	no	ADV
framr-4075	421	28	longer	long	ADV
framr-4075	421	29	exclusively	exclusively	ADV
framr-4075	421	30	focused	focus	VERB
framr-4075	421	31	on	on	ADP
framr-4075	421	32	financial	financial	ADJ
framr-4075	421	33	institutions	institution	NOUN
framr-4075	421	34	(	(	PUNCT
framr-4075	421	35	anagnostopoulos	anagnostopoulo	NOUN
framr-4075	421	36	,	,	PUNCT
framr-4075	421	37	2018	2018	NUM
framr-4075	421	38	)	)	PUNCT
framr-4075	421	39	.	.	PUNCT
framr-4075	422	1	5.5	5.5	NUM
framr-4075	422	2	.	.	PUNCT
framr-4075	422	3	rise	rise	NOUN
framr-4075	422	4	of	of	ADP
framr-4075	422	5	sophisticated	sophisticated	ADJ
framr-4075	422	6	fraud	fraud	NOUN
framr-4075	422	7	schemes	scheme	NOUN
framr-4075	422	8	deepfakes	deepfake	NOUN
framr-4075	422	9	are	be	AUX
framr-4075	422	10	an	an	DET
framr-4075	422	11	intriguing	intriguing	ADJ
framr-4075	422	12	and	and	CCONJ
framr-4075	422	13	captivating	captivating	ADJ
framr-4075	422	14	kind	kind	NOUN
framr-4075	422	15	of	of	ADV
framr-4075	422	16	faked	faked	ADJ
framr-4075	422	17	and	and	CCONJ
framr-4075	422	18	altered	altered	ADJ
framr-4075	422	19	media	medium	NOUN
framr-4075	422	20	.	.	PUNCT
framr-4075	423	1	on	on	ADP
framr-4075	423	2	the	the	DET
framr-4075	423	3	other	other	ADJ
framr-4075	423	4	hand	hand	NOUN
framr-4075	423	5	,	,	PUNCT
framr-4075	423	6	deepfakes	deepfake	VERB
framr-4075	423	7	cost	cost	NOUN
framr-4075	423	8	fintech	fintech	NOUN
framr-4075	423	9	firms	firm	NOUN
framr-4075	423	10	a	a	DET
framr-4075	423	11	lot	lot	NOUN
framr-4075	423	12	of	of	ADP
framr-4075	423	13	money	money	NOUN
framr-4075	423	14	every	every	DET
framr-4075	423	15	year	year	NOUN
framr-4075	423	16	,	,	PUNCT
framr-4075	423	17	and	and	CCONJ
framr-4075	423	18	the	the	DET
framr-4075	423	19	problem	problem	NOUN
framr-4075	423	20	is	be	AUX
framr-4075	423	21	only	only	ADV
framr-4075	423	22	getting	get	VERB
framr-4075	423	23	worse	bad	ADJ
framr-4075	423	24	.	.	PUNCT
framr-4075	424	1	the	the	DET
framr-4075	424	2	consequences	consequence	NOUN
framr-4075	424	3	of	of	ADP
framr-4075	424	4	identity	identity	NOUN
framr-4075	424	5	theft	theft	NOUN
framr-4075	424	6	and	and	CCONJ
framr-4075	424	7	con	con	NOUN
framr-4075	424	8	artists	artist	NOUN
framr-4075	424	9	affected	affect	VERB
framr-4075	424	10	47	47	NUM
framr-4075	424	11	%	%	NOUN
framr-4075	424	12	of	of	ADP
framr-4075	424	13	all	all	DET
framr-4075	424	14	foreign	foreign	ADJ
framr-4075	424	15	enterprises	enterprise	NOUN
framr-4075	424	16	in	in	ADP
framr-4075	424	17	2020	2020	NUM
framr-4075	424	18	.	.	PUNCT
framr-4075	425	1	according	accord	VERB
framr-4075	425	2	to	to	ADP
framr-4075	425	3	preliminary	preliminary	ADJ
framr-4075	425	4	data	datum	NOUN
framr-4075	425	5	for	for	ADP
framr-4075	425	6	the	the	DET
framr-4075	425	7	fiscal	fiscal	ADJ
framr-4075	425	8	year	year	NOUN
framr-4075	425	9	2021	2021	NUM
framr-4075	425	10	,	,	PUNCT
framr-4075	425	11	fraud	fraud	NOUN
framr-4075	425	12	rates	rate	NOUN
framr-4075	425	13	are	be	AUX
framr-4075	425	14	rising	rise	VERB
framr-4075	425	15	and	and	CCONJ
framr-4075	425	16	con	con	PROPN
framr-4075	425	17	artists	artist	NOUN
framr-4075	425	18	'	'	PART
framr-4075	425	19	methods	method	NOUN
framr-4075	425	20	are	be	AUX
framr-4075	425	21	constantly	constantly	ADV
framr-4075	425	22	becoming	become	VERB
framr-4075	425	23	more	more	ADV
framr-4075	425	24	complex	complex	ADJ
framr-4075	425	25	(	(	PUNCT
framr-4075	425	26	saluja	saluja	NOUN
framr-4075	425	27	,	,	PUNCT
framr-4075	425	28	2024	2024	NUM
framr-4075	425	29	)	)	PUNCT
framr-4075	425	30	.	.	PUNCT
framr-4075	426	1	complex	complex	ADJ
framr-4075	426	2	issues	issue	NOUN
framr-4075	426	3	are	be	AUX
framr-4075	426	4	also	also	ADV
framr-4075	426	5	brought	bring	VERB
framr-4075	426	6	about	about	ADP
framr-4075	426	7	by	by	ADP
framr-4075	426	8	the	the	DET
framr-4075	426	9	digital	digital	ADJ
framr-4075	426	10	revolution	revolution	NOUN
framr-4075	426	11	,	,	PUNCT
framr-4075	426	12	especially	especially	ADV
framr-4075	426	13	in	in	ADP
framr-4075	426	14	the	the	DET
framr-4075	426	15	area	area	NOUN
framr-4075	426	16	of	of	ADP
framr-4075	426	17	financial	financial	ADJ
framr-4075	426	18	fraud	fraud	NOUN
framr-4075	426	19	,	,	PUNCT
framr-4075	426	20	which	which	PRON
framr-4075	426	21	is	be	AUX
framr-4075	426	22	becoming	become	VERB
framr-4075	426	23	more	more	ADV
framr-4075	426	24	common	common	ADJ
framr-4075	426	25	and	and	CCONJ
framr-4075	426	26	sophisticated	sophisticated	ADJ
framr-4075	426	27	.	.	PUNCT
framr-4075	427	1	the	the	DET
framr-4075	427	2	financial	financial	ADJ
framr-4075	427	3	ecosystem	ecosystem	NOUN
framr-4075	427	4	is	be	AUX
framr-4075	427	5	greatly	greatly	ADV
framr-4075	427	6	impacted	impact	VERB
framr-4075	427	7	by	by	ADP
framr-4075	427	8	the	the	DET
framr-4075	427	9	consequences	consequence	NOUN
framr-4075	427	10	of	of	ADP
framr-4075	427	11	these	these	DET
framr-4075	427	12	fraudulent	fraudulent	ADJ
framr-4075	427	13	acts	act	NOUN
framr-4075	427	14	,	,	PUNCT
framr-4075	427	15	which	which	PRON
framr-4075	427	16	lead	lead	VERB
framr-4075	427	17	to	to	ADP
framr-4075	427	18	significant	significant	ADJ
framr-4075	427	19	financial	financial	ADJ
framr-4075	427	20	losses	loss	NOUN
framr-4075	427	21	and	and	CCONJ
framr-4075	427	22	erode	erode	VERB
framr-4075	427	23	consumer	consumer	NOUN
framr-4075	427	24	trust	trust	NOUN
framr-4075	427	25	(	(	PUNCT
framr-4075	427	26	saxena	saxena	PROPN
framr-4075	427	27	&	&	CCONJ
framr-4075	427	28	vafin	vafin	PROPN
framr-4075	427	29	,	,	PUNCT
framr-4075	427	30	2019	2019	NUM
framr-4075	427	31	)	)	PUNCT
framr-4075	427	32	.	.	PUNCT
framr-4075	428	1	consumers	consumer	NOUN
framr-4075	428	2	will	will	AUX
framr-4075	428	3	now	now	ADV
framr-4075	428	4	have	have	VERB
framr-4075	428	5	to	to	PART
framr-4075	428	6	deal	deal	VERB
framr-4075	428	7	with	with	ADP
framr-4075	428	8	the	the	DET
framr-4075	428	9	increased	increase	VERB
framr-4075	428	10	danger	danger	NOUN
framr-4075	428	11	of	of	ADP
framr-4075	428	12	fraud	fraud	NOUN
framr-4075	428	13	and	and	CCONJ
framr-4075	428	14	scams	scam	NOUN
framr-4075	428	15	in	in	ADP
framr-4075	428	16	addition	addition	NOUN
framr-4075	428	17	to	to	ADP
framr-4075	428	18	cyber	cyber	NOUN
framr-4075	428	19	-	-	PUNCT
framr-4075	428	20	insecurity	insecurity	NOUN
framr-4075	428	21	.	.	PUNCT
framr-4075	429	1	vulnerable	vulnerable	ADJ
framr-4075	429	2	consumer	consumer	NOUN
framr-4075	429	3	groups	group	NOUN
framr-4075	429	4	suffer	suffer	VERB
framr-4075	429	5	the	the	DET
framr-4075	429	6	most	most	ADJ
framr-4075	429	7	from	from	ADP
framr-4075	429	8	scams	scam	NOUN
framr-4075	429	9	.	.	PUNCT
framr-4075	430	1	according	accord	VERB
framr-4075	430	2	to	to	ADP
framr-4075	430	3	the	the	DET
framr-4075	430	4	national	national	ADJ
framr-4075	430	5	council	council	PROPN
framr-4075	430	6	on	on	ADP
framr-4075	430	7	aging	age	VERB
framr-4075	430	8	,	,	PUNCT
framr-4075	430	9	older	old	ADJ
framr-4075	430	10	consumers	consumer	NOUN
framr-4075	430	11	are	be	AUX
framr-4075	430	12	being	be	AUX
framr-4075	430	13	targeted	target	VERB
framr-4075	430	14	more	more	ADV
framr-4075	430	15	often	often	ADV
framr-4075	430	16	,	,	PUNCT
framr-4075	430	17	and	and	CCONJ
framr-4075	430	18	predatory	predatory	NOUN
framr-4075	430	19	behaviours	behaviour	NOUN
framr-4075	430	20	that	that	PRON
framr-4075	430	21	target	target	VERB
framr-4075	430	22	those	those	PRON
framr-4075	430	23	with	with	ADP
framr-4075	430	24	impairments	impairment	NOUN
framr-4075	430	25	are	be	AUX
framr-4075	430	26	also	also	ADV
framr-4075	430	27	on	on	ADP
framr-4075	430	28	the	the	DET
framr-4075	430	29	rise	rise	NOUN
framr-4075	430	30	(	(	PUNCT
framr-4075	430	31	barefoot	barefoot	NOUN
framr-4075	430	32	,	,	PUNCT
framr-4075	430	33	2020	2020	NUM
framr-4075	430	34	)	)	PUNCT
framr-4075	430	35	.	.	PUNCT
framr-4075	431	1	5.6	5.6	NUM
framr-4075	431	2	.	.	PUNCT
framr-4075	431	3	vulnerabilities	vulnerability	NOUN
framr-4075	431	4	in	in	ADP
framr-4075	431	5	decentralized	decentralized	ADJ
framr-4075	431	6	systems	system	NOUN
framr-4075	431	7	because	because	SCONJ
framr-4075	431	8	blockchain	blockchain	PROPN
framr-4075	431	9	uses	use	VERB
framr-4075	431	10	cryptographic	cryptographic	ADJ
framr-4075	431	11	hash	hash	NOUN
framr-4075	431	12	functions	function	NOUN
framr-4075	431	13	,	,	PUNCT
framr-4075	431	14	transactions	transaction	NOUN
framr-4075	431	15	may	may	AUX
framr-4075	431	16	be	be	AUX
framr-4075	431	17	made	make	VERB
framr-4075	431	18	tamper	tamper	NOUN
framr-4075	431	19	-	-	NOUN
framr-4075	431	20	proof	proof	ADJ
framr-4075	431	21	,	,	PUNCT
framr-4075	431	22	but	but	CCONJ
framr-4075	431	23	attackers	attacker	NOUN
framr-4075	431	24	can	can	AUX
framr-4075	431	25	still	still	ADV
framr-4075	431	26	take	take	VERB
framr-4075	431	27	advantage	advantage	NOUN
framr-4075	431	28	of	of	ADP
framr-4075	431	29	other	other	ADJ
framr-4075	431	30	flaws	flaw	NOUN
framr-4075	431	31	.	.	PUNCT
framr-4075	432	1	a	a	DET
framr-4075	432	2	malevolent	malevolent	ADJ
framr-4075	432	3	opponent	opponent	NOUN
framr-4075	432	4	might	might	AUX
framr-4075	432	5	be	be	AUX
framr-4075	432	6	able	able	ADJ
framr-4075	432	7	to	to	PART
framr-4075	432	8	substitute	substitute	VERB
framr-4075	432	9	or	or	CCONJ
framr-4075	432	10	alter	alter	VERB
framr-4075	432	11	the	the	DET
framr-4075	432	12	input	input	NOUN
framr-4075	432	13	data	datum	NOUN
framr-4075	432	14	without	without	ADP
framr-4075	432	15	altering	alter	VERB
framr-4075	432	16	the	the	DET
framr-4075	432	17	digest	digest	NOUN
framr-4075	432	18	if	if	SCONJ
framr-4075	432	19	there	there	PRON
framr-4075	432	20	is	be	VERB
framr-4075	432	21	a	a	DET
framr-4075	432	22	collision	collision	NOUN
framr-4075	432	23	in	in	ADP
framr-4075	432	24	the	the	DET
framr-4075	432	25	hash	hash	NOUN
framr-4075	432	26	algorithms	algorithm	NOUN
framr-4075	432	27	.	.	PUNCT
framr-4075	433	1	unauthorized	unauthorized	ADJ
framr-4075	433	2	transactions	transaction	NOUN
framr-4075	433	3	might	might	AUX
framr-4075	433	4	result	result	VERB
framr-4075	433	5	from	from	ADP
framr-4075	433	6	the	the	DET
framr-4075	433	7	forging	forging	NOUN
framr-4075	433	8	of	of	ADP
framr-4075	433	9	a	a	DET
framr-4075	433	10	signature	signature	NOUN
framr-4075	433	11	(	(	PUNCT
framr-4075	433	12	nelaturu	nelaturu	ADV
framr-4075	433	13	et	et	PROPN
framr-4075	433	14	al	al	PROPN
framr-4075	433	15	.	.	PROPN
framr-4075	433	16	,	,	PUNCT
framr-4075	433	17	2022	2022	NUM
framr-4075	433	18	)	)	PUNCT
framr-4075	433	19	.	.	PUNCT
framr-4075	434	1	to	to	PART
framr-4075	434	2	reduce	reduce	VERB
framr-4075	434	3	users	user	NOUN
framr-4075	434	4	need	need	VERB
framr-4075	434	5	for	for	ADP
framr-4075	434	6	reliable	reliable	ADJ
framr-4075	434	7	third	third	ADJ
framr-4075	434	8	parties	party	NOUN
framr-4075	434	9	,	,	PUNCT
framr-4075	434	10	the	the	DET
framr-4075	434	11	majority	majority	NOUN
framr-4075	434	12	of	of	ADP
framr-4075	434	13	smart	smart	ADJ
framr-4075	434	14	contract	contract	NOUN
framr-4075	434	15	implementations	implementation	NOUN
framr-4075	434	16	are	be	AUX
framr-4075	434	17	made	make	VERB
framr-4075	434	18	with	with	ADP
framr-4075	434	19	decentralized	decentralized	ADJ
framr-4075	434	20	use	use	NOUN
framr-4075	434	21	cases	case	NOUN
framr-4075	434	22	in	in	ADP
framr-4075	434	23	mind	mind	NOUN
framr-4075	434	24	.	.	PUNCT
framr-4075	435	1	nevertheless	nevertheless	ADV
framr-4075	435	2	,	,	PUNCT
framr-4075	435	3	they	they	PRON
framr-4075	435	4	frequently	frequently	ADV
framr-4075	435	5	have	have	VERB
framr-4075	435	6	the	the	DET
framr-4075	435	7	same	same	ADJ
framr-4075	435	8	flaws	flaw	NOUN
framr-4075	435	9	and	and	CCONJ
framr-4075	435	10	vulnerabilities	vulnerability	NOUN
framr-4075	435	11	as	as	ADP
framr-4075	435	12	the	the	DET
framr-4075	435	13	system	system	NOUN
framr-4075	435	14	's	's	PART
framr-4075	435	15	payments	payment	NOUN
framr-4075	435	16	layer	layer	NOUN
framr-4075	435	17	(	(	PUNCT
framr-4075	435	18	han	han	PROPN
framr-4075	435	19	,	,	PUNCT
framr-4075	435	20	huang	huang	PROPN
framr-4075	435	21	,	,	PUNCT
framr-4075	435	22	&	&	CCONJ
framr-4075	435	23	zhong	zhong	PROPN
framr-4075	435	24	,	,	PUNCT
framr-4075	435	25	2023	2023	NUM
framr-4075	435	26	)	)	PUNCT
framr-4075	435	27	.	.	PUNCT
framr-4075	436	1	because	because	SCONJ
framr-4075	436	2	this	this	DET
framr-4075	436	3	platform	platform	NOUN
framr-4075	436	4	offers	offer	VERB
framr-4075	436	5	an	an	DET
framr-4075	436	6	environment	environment	NOUN
framr-4075	436	7	in	in	ADP
framr-4075	436	8	which	which	PRON
framr-4075	436	9	smart	smart	ADJ
framr-4075	436	10	contracts	contract	NOUN
framr-4075	436	11	may	may	AUX
framr-4075	436	12	be	be	AUX
framr-4075	436	13	executed	execute	VERB
framr-4075	436	14	,	,	PUNCT
framr-4075	436	15	vulnerabilities	vulnerability	NOUN
framr-4075	436	16	that	that	PRON
framr-4075	436	17	are	be	AUX
framr-4075	436	18	exploited	exploit	VERB
framr-4075	436	19	also	also	ADV
framr-4075	436	20	give	give	VERB
framr-4075	436	21	a	a	DET
framr-4075	436	22	malevolent	malevolent	ADJ
framr-4075	436	23	opponent	opponent	NOUN
framr-4075	436	24	the	the	DET
framr-4075	436	25	ability	ability	NOUN
framr-4075	436	26	to	to	PART
framr-4075	436	27	benefit	benefit	VERB
framr-4075	436	28	without	without	ADP
framr-4075	436	29	the	the	DET
framr-4075	436	30	connected	connected	ADJ
framr-4075	436	31	parties	party	NOUN
framr-4075	436	32	'	'	PART
framr-4075	436	33	consent	consent	NOUN
framr-4075	436	34	in	in	ADP
framr-4075	436	35	the	the	DET
framr-4075	436	36	smart	smart	ADJ
framr-4075	436	37	contract	contract	NOUN
framr-4075	436	38	signature	signature	NOUN
framr-4075	436	39	(	(	PUNCT
framr-4075	436	40	nelaturu	nelaturu	ADV
framr-4075	436	41	et	et	PROPN
framr-4075	436	42	al	al	PROPN
framr-4075	436	43	.	.	PROPN
framr-4075	436	44	,	,	PUNCT
framr-4075	436	45	2022	2022	NUM
framr-4075	436	46	)	)	PUNCT
framr-4075	436	47	.	.	PUNCT
framr-4075	437	1	as	as	ADP
framr-4075	437	2	with	with	ADP
framr-4075	437	3	other	other	ADJ
framr-4075	437	4	fintech	fintech	NOUN
framr-4075	437	5	technologies	technology	NOUN
framr-4075	437	6	,	,	PUNCT
framr-4075	437	7	smart	smart	ADJ
framr-4075	437	8	contracts	contract	NOUN
framr-4075	437	9	'	'	PART
framr-4075	437	10	hazards	hazard	NOUN
framr-4075	437	11	are	be	AUX
framr-4075	437	12	not	not	PART
framr-4075	437	13	completely	completely	ADV
framr-4075	437	14	recognized	recognize	VERB
framr-4075	437	15	because	because	SCONJ
framr-4075	437	16	of	of	ADP
framr-4075	437	17	their	their	PRON
framr-4075	437	18	novelty	novelty	NOUN
framr-4075	437	19	.	.	PUNCT
framr-4075	438	1	however	however	ADV
framr-4075	438	2	,	,	PUNCT
framr-4075	438	3	there	there	PRON
framr-4075	438	4	are	be	VERB
framr-4075	438	5	general	general	ADJ
framr-4075	438	6	factors	factor	NOUN
framr-4075	438	7	to	to	PART
framr-4075	438	8	take	take	VERB
framr-4075	438	9	into	into	ADP
framr-4075	438	10	account	account	NOUN
framr-4075	438	11	when	when	SCONJ
framr-4075	438	12	it	it	PRON
framr-4075	438	13	comes	come	VERB
framr-4075	438	14	to	to	ADP
framr-4075	438	15	technological	technological	ADJ
framr-4075	438	16	innovation	innovation	NOUN
framr-4075	438	17	and	and	CCONJ
framr-4075	438	18	adaptation	adaptation	NOUN
framr-4075	438	19	,	,	PUNCT
framr-4075	438	20	such	such	ADJ
framr-4075	438	21	as	as	ADP
framr-4075	438	22	where	where	SCONJ
framr-4075	438	23	we	we	PRON
framr-4075	438	24	are	be	AUX
framr-4075	438	25	in	in	ADP
framr-4075	438	26	the	the	DET
framr-4075	438	27	entire	entire	ADJ
framr-4075	438	28	lifecycle	lifecycle	NOUN
framr-4075	438	29	.	.	PUNCT
framr-4075	439	1	for	for	ADP
framr-4075	439	2	example	example	NOUN
framr-4075	439	3	,	,	PUNCT
framr-4075	439	4	if	if	SCONJ
framr-4075	439	5	new	new	ADJ
framr-4075	439	6	technology	technology	NOUN
framr-4075	439	7	is	be	AUX
framr-4075	439	8	not	not	PART
framr-4075	439	9	extensively	extensively	ADV
framr-4075	439	10	tested	test	VERB
framr-4075	439	11	or	or	CCONJ
framr-4075	439	12	used	use	VERB
framr-4075	439	13	in	in	ADP
framr-4075	439	14	real	real	ADJ
framr-4075	439	15	-	-	PUNCT
framr-4075	439	16	world	world	NOUN
framr-4075	439	17	applications	application	NOUN
framr-4075	439	18	,	,	PUNCT
framr-4075	439	19	defects	defect	NOUN
framr-4075	439	20	and	and	CCONJ
framr-4075	439	21	vulnerabilities	vulnerability	NOUN
framr-4075	439	22	may	may	AUX
framr-4075	439	23	remain	remain	VERB
framr-4075	439	24	undiscovered	undiscovered	ADJ
framr-4075	439	25	(	(	PUNCT
framr-4075	439	26	duran	duran	NOUN
framr-4075	439	27	&	&	CCONJ
framr-4075	439	28	griffin	griffin	PROPN
framr-4075	439	29	,	,	PUNCT
framr-4075	439	30	2021	2021	NUM
framr-4075	439	31	)	)	PUNCT
framr-4075	439	32	.	.	PUNCT
framr-4075	440	1	5.7	5.7	NUM
framr-4075	440	2	.	.	PUNCT
framr-4075	440	3	challenges	challenge	NOUN
framr-4075	440	4	in	in	ADP
framr-4075	440	5	international	international	ADJ
framr-4075	440	6	cooperation	cooperation	NOUN
framr-4075	440	7	one	one	NUM
framr-4075	440	8	specific	specific	ADJ
framr-4075	440	9	issue	issue	NOUN
framr-4075	440	10	is	be	AUX
framr-4075	440	11	the	the	DET
framr-4075	440	12	issuance	issuance	NOUN
framr-4075	440	13	and	and	CCONJ
framr-4075	440	14	use	use	NOUN
framr-4075	440	15	of	of	ADP
framr-4075	440	16	virtual	virtual	ADJ
framr-4075	440	17	currencies	currency	NOUN
framr-4075	440	18	,	,	PUNCT
framr-4075	440	19	which	which	PRON
framr-4075	440	20	,	,	PUNCT
framr-4075	440	21	if	if	SCONJ
framr-4075	440	22	widely	widely	ADV
framr-4075	440	23	accepted	accept	VERB
framr-4075	440	24	,	,	PUNCT
framr-4075	440	25	have	have	VERB
framr-4075	440	26	the	the	DET
framr-4075	440	27	potential	potential	NOUN
framr-4075	440	28	to	to	PART
framr-4075	440	29	alter	alter	VERB
framr-4075	440	30	the	the	DET
framr-4075	440	31	two	two	NUM
framr-4075	440	32	main	main	ADJ
framr-4075	440	33	pillars	pillar	NOUN
framr-4075	440	34	that	that	PRON
framr-4075	440	35	sustain	sustain	VERB
framr-4075	440	36	the	the	DET
framr-4075	440	37	reserve	reserve	NOUN
framr-4075	440	38	currency	currency	NOUN
framr-4075	440	39	status	status	NOUN
framr-4075	440	40	:	:	PUNCT
framr-4075	440	41	the	the	DET
framr-4075	440	42	composition	composition	NOUN
framr-4075	440	43	and	and	CCONJ
framr-4075	440	44	dynamics	dynamic	NOUN
framr-4075	440	45	of	of	ADP
framr-4075	440	46	international	international	ADJ
framr-4075	440	47	financial	financial	ADJ
framr-4075	440	48	risk	risk	NOUN
framr-4075	440	49	and	and	CCONJ
framr-4075	440	50	management	management	NOUN
framr-4075	440	51	reviews	review	NOUN
framr-4075	440	52	,	,	PUNCT
framr-4075	440	53	2025	2025	NUM
framr-4075	440	54	,	,	PUNCT
framr-4075	440	55	11(1	11(1	NUM
framr-4075	440	56	):	):	PUNCT
framr-4075	440	57	1	1	NUM
framr-4075	440	58	-	-	SYM
framr-4075	440	59	36	36	NUM
framr-4075	440	60	17	17	NUM
framr-4075	440	61	©	©	PROPN
framr-4075	440	62	2025	2025	NUM
framr-4075	440	63	conscientia	conscientia	PROPN
framr-4075	440	64	beam	beam	PROPN
framr-4075	440	65	.	.	PUNCT
framr-4075	441	1	all	all	DET
framr-4075	441	2	rights	right	NOUN
framr-4075	441	3	reserved	reserve	VERB
framr-4075	441	4	.	.	PUNCT
framr-4075	442	1	commerce	commerce	NOUN
framr-4075	442	2	and	and	CCONJ
framr-4075	442	3	the	the	DET
framr-4075	442	4	impacts	impact	NOUN
framr-4075	442	5	of	of	ADP
framr-4075	442	6	the	the	DET
framr-4075	442	7	financial	financial	ADJ
framr-4075	442	8	network	network	NOUN
framr-4075	442	9	.	.	PUNCT
framr-4075	443	1	the	the	DET
framr-4075	443	2	requirement	requirement	NOUN
framr-4075	443	3	for	for	ADP
framr-4075	443	4	reserves	reserve	NOUN
framr-4075	443	5	(	(	PUNCT
framr-4075	443	6	buffered	buffer	VERB
framr-4075	443	7	inventories	inventory	NOUN
framr-4075	443	8	and/or	and/or	CCONJ
framr-4075	443	9	liquid	liquid	ADJ
framr-4075	443	10	assets	asset	NOUN
framr-4075	443	11	)	)	PUNCT
framr-4075	443	12	and	and	CCONJ
framr-4075	443	13	the	the	DET
framr-4075	443	14	formation	formation	NOUN
framr-4075	443	15	of	of	ADP
framr-4075	443	16	new	new	ADJ
framr-4075	443	17	reserve	reserve	NOUN
framr-4075	443	18	currencies	currency	NOUN
framr-4075	443	19	might	might	AUX
framr-4075	443	20	be	be	AUX
framr-4075	443	21	influenced	influence	VERB
framr-4075	443	22	by	by	ADP
framr-4075	443	23	the	the	DET
framr-4075	443	24	liquidity	liquidity	NOUN
framr-4075	443	25	and	and	CCONJ
framr-4075	443	26	degree	degree	NOUN
framr-4075	443	27	of	of	ADP
framr-4075	443	28	confidence	confidence	NOUN
framr-4075	443	29	in	in	ADP
framr-4075	443	30	the	the	DET
framr-4075	443	31	new	new	ADJ
framr-4075	443	32	cryptocurrencies	cryptocurrencie	NOUN
framr-4075	443	33	.	.	PUNCT
framr-4075	444	1	this	this	PRON
framr-4075	444	2	will	will	AUX
framr-4075	444	3	thus	thus	ADV
framr-4075	444	4	have	have	VERB
framr-4075	444	5	an	an	DET
framr-4075	444	6	impact	impact	NOUN
framr-4075	444	7	on	on	ADP
framr-4075	444	8	foreign	foreign	ADJ
framr-4075	444	9	exchange	exchange	NOUN
framr-4075	444	10	and	and	CCONJ
framr-4075	444	11	gold	gold	NOUN
framr-4075	444	12	reserves	reserve	NOUN
framr-4075	444	13	,	,	PUNCT
framr-4075	444	14	the	the	DET
framr-4075	444	15	exchange	exchange	NOUN
framr-4075	444	16	rate	rate	NOUN
framr-4075	444	17	regime	regime	NOUN
framr-4075	444	18	that	that	PRON
framr-4075	444	19	is	be	AUX
framr-4075	444	20	selected	select	VERB
framr-4075	444	21	,	,	PUNCT
framr-4075	444	22	and	and	CCONJ
framr-4075	444	23	the	the	DET
framr-4075	444	24	dimensions	dimension	NOUN
framr-4075	444	25	and	and	CCONJ
framr-4075	444	26	composition	composition	NOUN
framr-4075	444	27	of	of	ADP
framr-4075	444	28	the	the	DET
framr-4075	444	29	global	global	ADJ
framr-4075	444	30	financial	financial	PROPN
framr-4075	444	31	safety	safety	PROPN
framr-4075	444	32	net	net	NOUN
framr-4075	444	33	(	(	PUNCT
framr-4075	444	34	gfsn	gfsn	PROPN
framr-4075	444	35	)	)	PUNCT
framr-4075	444	36	(	(	PUNCT
framr-4075	444	37	st	st	PROPN
framr-4075	444	38	.	.	PROPN
framr-4075	444	39	petersburg	petersburg	PROPN
framr-4075	444	40	state	state	PROPN
framr-4075	444	41	university	university	PROPN
framr-4075	444	42	et	et	PROPN
framr-4075	444	43	al	al	PROPN
framr-4075	444	44	.	.	PROPN
framr-4075	444	45	,	,	PUNCT
framr-4075	444	46	2020	2020	NUM
framr-4075	444	47	)	)	PUNCT
framr-4075	444	48	.	.	PUNCT
framr-4075	445	1	government	government	NOUN
framr-4075	445	2	-	-	PUNCT
framr-4075	445	3	to	to	ADP
framr-4075	445	4	-	-	PUNCT
framr-4075	445	5	government	government	NOUN
framr-4075	445	6	implementing	implement	VERB
framr-4075	445	7	authorities	authority	NOUN
framr-4075	445	8	(	(	PUNCT
framr-4075	445	9	treasuries	treasury	NOUN
framr-4075	445	10	,	,	PUNCT
framr-4075	445	11	banks	bank	NOUN
framr-4075	445	12	,	,	PUNCT
framr-4075	445	13	etc	etc	X
framr-4075	445	14	.	.	X
framr-4075	445	15	,	,	PUNCT
framr-4075	445	16	depending	depend	VERB
framr-4075	445	17	on	on	ADP
framr-4075	445	18	each	each	DET
framr-4075	445	19	state	state	NOUN
framr-4075	445	20	's	's	PART
framr-4075	445	21	administrative	administrative	ADJ
framr-4075	445	22	structure	structure	NOUN
framr-4075	445	23	)	)	PUNCT
framr-4075	445	24	pledge	pledge	VERB
framr-4075	445	25	to	to	PART
framr-4075	445	26	hold	hold	VERB
framr-4075	445	27	regular	regular	ADV
framr-4075	445	28	(	(	PUNCT
framr-4075	445	29	at	at	ADP
framr-4075	445	30	least	least	ADJ
framr-4075	445	31	quarterly	quarterly	ADJ
framr-4075	445	32	)	)	PUNCT
framr-4075	445	33	workinglevel	workinglevel	NOUN
framr-4075	445	34	discussions	discussion	NOUN
framr-4075	445	35	(	(	PUNCT
framr-4075	445	36	with	with	ADP
framr-4075	445	37	political	political	ADJ
framr-4075	445	38	officials	official	NOUN
framr-4075	445	39	,	,	PUNCT
framr-4075	445	40	legal	legal	ADJ
framr-4075	445	41	experts	expert	NOUN
framr-4075	445	42	,	,	PUNCT
framr-4075	445	43	and	and	CCONJ
framr-4075	445	44	regulators	regulator	NOUN
framr-4075	445	45	in	in	ADP
framr-4075	445	46	attendance	attendance	NOUN
framr-4075	445	47	)	)	PUNCT
framr-4075	445	48	to	to	PART
framr-4075	445	49	discuss	discuss	VERB
framr-4075	445	50	the	the	DET
framr-4075	445	51	development	development	NOUN
framr-4075	445	52	of	of	ADP
framr-4075	445	53	fintech	fintech	NOUN
framr-4075	445	54	policies	policy	NOUN
framr-4075	445	55	in	in	ADP
framr-4075	445	56	each	each	DET
framr-4075	445	57	jurisdiction	jurisdiction	NOUN
framr-4075	445	58	.	.	PUNCT
framr-4075	446	1	this	this	PRON
framr-4075	446	2	often	often	ADV
framr-4075	446	3	entails	entail	VERB
framr-4075	446	4	promptly	promptly	ADV
framr-4075	446	5	informing	inform	VERB
framr-4075	446	6	people	people	NOUN
framr-4075	446	7	about	about	ADP
framr-4075	446	8	crucial	crucial	ADJ
framr-4075	446	9	fintech	fintech	NOUN
framr-4075	446	10	-	-	PUNCT
framr-4075	446	11	related	relate	VERB
framr-4075	446	12	news	news	NOUN
framr-4075	446	13	.	.	PUNCT
framr-4075	447	1	these	these	DET
framr-4075	447	2	channels	channel	NOUN
framr-4075	447	3	allow	allow	VERB
framr-4075	447	4	for	for	ADP
framr-4075	447	5	the	the	DET
framr-4075	447	6	exploration	exploration	NOUN
framr-4075	447	7	of	of	ADP
framr-4075	447	8	the	the	DET
framr-4075	447	9	perceived	perceive	VERB
framr-4075	447	10	difficulties	difficulty	NOUN
framr-4075	447	11	faced	face	VERB
framr-4075	447	12	by	by	ADP
framr-4075	447	13	fintech	fintech	NOUN
framr-4075	447	14	companies	company	NOUN
framr-4075	447	15	in	in	ADP
framr-4075	447	16	the	the	DET
framr-4075	447	17	nations	nation	NOUN
framr-4075	447	18	set	set	VERB
framr-4075	447	19	to	to	PART
framr-4075	447	20	sign	sign	VERB
framr-4075	447	21	fintech	fintech	NOUN
framr-4075	447	22	bridge	bridge	NOUN
framr-4075	447	23	agreements	agreement	NOUN
framr-4075	447	24	(	(	PUNCT
framr-4075	447	25	tache	tache	NOUN
framr-4075	447	26	,	,	PUNCT
framr-4075	447	27	2022	2022	NUM
framr-4075	447	28	)	)	PUNCT
framr-4075	447	29	.	.	PUNCT
framr-4075	448	1	5.8	5.8	NUM
framr-4075	448	2	.	.	PUNCT
framr-4075	448	3	exposure	exposure	NOUN
framr-4075	448	4	to	to	ADP
framr-4075	448	5	digital	digital	ADJ
framr-4075	448	6	payment	payment	NOUN
framr-4075	448	7	frauds	fraud	NOUN
framr-4075	448	8	fintech	fintech	NOUN
framr-4075	448	9	is	be	AUX
framr-4075	448	10	becoming	become	VERB
framr-4075	448	11	more	more	ADV
framr-4075	448	12	externally	externally	ADV
framr-4075	448	13	visible	visible	ADJ
framr-4075	448	14	,	,	PUNCT
framr-4075	448	15	raising	raise	VERB
framr-4075	448	16	cyber	cyber	NOUN
framr-4075	448	17	vulnerability	vulnerability	NOUN
framr-4075	448	18	,	,	PUNCT
framr-4075	448	19	in	in	ADP
framr-4075	448	20	contrast	contrast	NOUN
framr-4075	448	21	to	to	ADP
framr-4075	448	22	the	the	DET
framr-4075	448	23	rising	rise	VERB
framr-4075	448	24	reliance	reliance	NOUN
framr-4075	448	25	on	on	ADP
framr-4075	448	26	intricate	intricate	ADJ
framr-4075	448	27	digitalized	digitalized	ADJ
framr-4075	448	28	information	information	NOUN
framr-4075	448	29	technology	technology	NOUN
framr-4075	448	30	hubs	hub	NOUN
framr-4075	448	31	without	without	ADP
framr-4075	448	32	replacement	replacement	NOUN
framr-4075	448	33	.	.	PUNCT
framr-4075	449	1	these	these	DET
framr-4075	449	2	security	security	NOUN
framr-4075	449	3	holes	hole	NOUN
framr-4075	449	4	can	can	AUX
framr-4075	449	5	be	be	AUX
framr-4075	449	6	used	use	VERB
framr-4075	449	7	by	by	ADP
framr-4075	449	8	cyber	cyber	NOUN
framr-4075	449	9	attackers	attacker	NOUN
framr-4075	449	10	to	to	PART
framr-4075	449	11	compromise	compromise	VERB
framr-4075	449	12	data	datum	NOUN
framr-4075	449	13	at	at	ADP
framr-4075	449	14	custodian	custodian	ADJ
framr-4075	449	15	banks	bank	NOUN
framr-4075	449	16	or	or	CCONJ
framr-4075	449	17	central	central	ADJ
framr-4075	449	18	securities	security	NOUN
framr-4075	449	19	depositories	depository	NOUN
framr-4075	449	20	,	,	PUNCT
framr-4075	449	21	interfere	interfere	VERB
framr-4075	449	22	with	with	ADP
framr-4075	449	23	payment	payment	NOUN
framr-4075	449	24	systems	system	NOUN
framr-4075	449	25	,	,	PUNCT
framr-4075	449	26	or	or	CCONJ
framr-4075	449	27	destroy	destroy	VERB
framr-4075	449	28	equipment	equipment	NOUN
framr-4075	449	29	that	that	PRON
framr-4075	449	30	supports	support	VERB
framr-4075	449	31	the	the	DET
framr-4075	449	32	financial	financial	ADJ
framr-4075	449	33	system	system	NOUN
framr-4075	449	34	(	(	PUNCT
framr-4075	449	35	buckley	buckley	NOUN
framr-4075	449	36	et	et	PROPN
framr-4075	449	37	al	al	PROPN
framr-4075	449	38	.	.	PROPN
framr-4075	449	39	,	,	PUNCT
framr-4075	449	40	2019	2019	NUM
framr-4075	449	41	)	)	PUNCT
framr-4075	449	42	.	.	PUNCT
framr-4075	450	1	the	the	DET
framr-4075	450	2	likelihood	likelihood	NOUN
framr-4075	450	3	of	of	ADP
framr-4075	450	4	financial	financial	ADJ
framr-4075	450	5	fraud	fraud	NOUN
framr-4075	450	6	has	have	AUX
framr-4075	450	7	increased	increase	VERB
framr-4075	450	8	due	due	ADP
framr-4075	450	9	to	to	ADP
framr-4075	450	10	the	the	DET
framr-4075	450	11	expanding	expand	VERB
framr-4075	450	12	use	use	NOUN
framr-4075	450	13	of	of	ADP
framr-4075	450	14	digital	digital	ADJ
framr-4075	450	15	payments	payment	NOUN
framr-4075	450	16	.	.	PUNCT
framr-4075	451	1	because	because	SCONJ
framr-4075	451	2	of	of	ADP
framr-4075	451	3	this	this	PRON
framr-4075	451	4	,	,	PUNCT
framr-4075	451	5	npss	npss	PROPN
framr-4075	451	6	—	—	PUNCT
framr-4075	451	7	which	which	PRON
framr-4075	451	8	are	be	AUX
framr-4075	451	9	directly	directly	ADV
framr-4075	451	10	owned	own	VERB
framr-4075	451	11	by	by	ADP
framr-4075	451	12	central	central	ADJ
framr-4075	451	13	banks	bank	NOUN
framr-4075	451	14	(	(	PUNCT
framr-4075	451	15	cbs)—are	cbs)—are	NOUN
framr-4075	451	16	progressively	progressively	ADV
framr-4075	451	17	using	use	VERB
framr-4075	451	18	cutting	cutting	NOUN
framr-4075	451	19	-	-	PUNCT
framr-4075	451	20	edge	edge	NOUN
framr-4075	451	21	technology	technology	NOUN
framr-4075	451	22	,	,	PUNCT
framr-4075	451	23	such	such	ADJ
framr-4075	451	24	as	as	ADP
framr-4075	451	25	cognitive	cognitive	ADJ
framr-4075	451	26	computing	computing	NOUN
framr-4075	451	27	,	,	PUNCT
framr-4075	451	28	to	to	PART
framr-4075	451	29	improve	improve	VERB
framr-4075	451	30	their	their	PRON
framr-4075	451	31	capacity	capacity	NOUN
framr-4075	451	32	to	to	PART
framr-4075	451	33	identify	identify	VERB
framr-4075	451	34	fraud	fraud	NOUN
framr-4075	451	35	in	in	ADP
framr-4075	451	36	their	their	PRON
framr-4075	451	37	nations	nation	NOUN
framr-4075	451	38	(	(	PUNCT
framr-4075	451	39	alessio	alessio	PROPN
framr-4075	451	40	faccia	faccia	PROPN
framr-4075	451	41	,	,	PUNCT
framr-4075	451	42	2023	2023	NUM
framr-4075	451	43	)	)	PUNCT
framr-4075	451	44	.	.	PUNCT
framr-4075	452	1	the	the	DET
framr-4075	452	2	need	need	NOUN
framr-4075	452	3	for	for	ADP
framr-4075	452	4	payment	payment	NOUN
framr-4075	452	5	security	security	NOUN
framr-4075	452	6	is	be	AUX
framr-4075	452	7	growing	grow	VERB
framr-4075	452	8	as	as	ADP
framr-4075	452	9	a	a	DET
framr-4075	452	10	result	result	NOUN
framr-4075	452	11	of	of	ADP
framr-4075	452	12	an	an	DET
framr-4075	452	13	increase	increase	NOUN
framr-4075	452	14	in	in	ADP
framr-4075	452	15	card	card	NOUN
framr-4075	452	16	fraud	fraud	NOUN
framr-4075	452	17	losses	loss	NOUN
framr-4075	452	18	and	and	CCONJ
framr-4075	452	19	data	datum	NOUN
framr-4075	452	20	breaches	breach	NOUN
framr-4075	452	21	,	,	PUNCT
framr-4075	452	22	which	which	PRON
framr-4075	452	23	cause	cause	VERB
framr-4075	452	24	financial	financial	ADJ
framr-4075	452	25	institutions	institution	NOUN
framr-4075	452	26	to	to	PART
framr-4075	452	27	suffer	suffer	VERB
framr-4075	452	28	both	both	CCONJ
framr-4075	452	29	direct	direct	ADJ
framr-4075	452	30	and	and	CCONJ
framr-4075	452	31	indirect	indirect	ADJ
framr-4075	452	32	costs	cost	NOUN
framr-4075	452	33	.	.	PUNCT
framr-4075	453	1	users	user	NOUN
framr-4075	453	2	of	of	ADP
framr-4075	453	3	payment	payment	NOUN
framr-4075	453	4	handling	handling	NOUN
framr-4075	453	5	software	software	NOUN
framr-4075	453	6	may	may	AUX
framr-4075	453	7	become	become	VERB
framr-4075	453	8	irritated	irritated	ADJ
framr-4075	453	9	by	by	ADP
framr-4075	453	10	the	the	DET
framr-4075	453	11	more	more	ADV
framr-4075	453	12	stringent	stringent	ADJ
framr-4075	453	13	security	security	NOUN
framr-4075	453	14	measures	measure	NOUN
framr-4075	453	15	used	use	VERB
framr-4075	453	16	in	in	ADP
framr-4075	453	17	electronic	electronic	ADJ
framr-4075	453	18	payment	payment	NOUN
framr-4075	453	19	systems	system	NOUN
framr-4075	453	20	(	(	PUNCT
framr-4075	453	21	ramesh	ramesh	PROPN
framr-4075	453	22	,	,	PUNCT
framr-4075	453	23	amudha	amudha	PROPN
framr-4075	453	24	,	,	PUNCT
framr-4075	453	25	prasob	prasob	NOUN
framr-4075	453	26	,	,	PUNCT
framr-4075	453	27	&	&	CCONJ
framr-4075	453	28	kanna	kanna	PROPN
framr-4075	453	29	,	,	PUNCT
framr-4075	453	30	2023	2023	NUM
framr-4075	453	31	)	)	PUNCT
framr-4075	453	32	.	.	PUNCT
framr-4075	454	1	5.9	5.9	NUM
framr-4075	454	2	.	.	PUNCT
framr-4075	454	3	proliferation	proliferation	NOUN
framr-4075	454	4	of	of	ADP
framr-4075	454	5	dark	dark	ADJ
framr-4075	454	6	web	web	NOUN
framr-4075	454	7	activities	activity	NOUN
framr-4075	454	8	investigating	investigate	VERB
framr-4075	454	9	cyber	cyber	NOUN
framr-4075	454	10	-	-	PUNCT
framr-4075	454	11	related	relate	VERB
framr-4075	454	12	money	money	NOUN
framr-4075	454	13	laundering	laundering	NOUN
framr-4075	454	14	crimes	crime	NOUN
framr-4075	454	15	is	be	AUX
framr-4075	454	16	made	make	VERB
framr-4075	454	17	more	more	ADV
framr-4075	454	18	difficult	difficult	ADJ
framr-4075	454	19	by	by	ADP
framr-4075	454	20	the	the	DET
framr-4075	454	21	widespread	widespread	ADJ
framr-4075	454	22	usage	usage	NOUN
framr-4075	454	23	of	of	ADP
framr-4075	454	24	encryption	encryption	NOUN
framr-4075	454	25	technology	technology	NOUN
framr-4075	454	26	and	and	CCONJ
framr-4075	454	27	the	the	DET
framr-4075	454	28	anonymity	anonymity	NOUN
framr-4075	454	29	offered	offer	VERB
framr-4075	454	30	by	by	ADP
framr-4075	454	31	the	the	DET
framr-4075	454	32	dark	dark	PROPN
framr-4075	454	33	web	web	NOUN
framr-4075	454	34	.	.	PUNCT
framr-4075	455	1	although	although	SCONJ
framr-4075	455	2	encryption	encryption	NOUN
framr-4075	455	3	is	be	AUX
framr-4075	455	4	necessary	necessary	ADJ
framr-4075	455	5	to	to	PART
framr-4075	455	6	protect	protect	VERB
framr-4075	455	7	legal	legal	ADJ
framr-4075	455	8	communications	communication	NOUN
framr-4075	455	9	,	,	PUNCT
framr-4075	455	10	it	it	PRON
framr-4075	455	11	may	may	AUX
framr-4075	455	12	also	also	ADV
framr-4075	455	13	be	be	AUX
framr-4075	455	14	a	a	DET
framr-4075	455	15	dangerous	dangerous	ADJ
framr-4075	455	16	tool	tool	NOUN
framr-4075	455	17	for	for	ADP
framr-4075	455	18	cybercriminals	cybercriminal	NOUN
framr-4075	455	19	trying	try	VERB
framr-4075	455	20	to	to	PART
framr-4075	455	21	hide	hide	VERB
framr-4075	455	22	their	their	PRON
framr-4075	455	23	illegal	illegal	ADJ
framr-4075	455	24	activity	activity	NOUN
framr-4075	455	25	.	.	PUNCT
framr-4075	456	1	a	a	DET
framr-4075	456	2	safe	safe	ADJ
framr-4075	456	3	refuge	refuge	NOUN
framr-4075	456	4	for	for	ADP
framr-4075	456	5	many	many	ADJ
framr-4075	456	6	types	type	NOUN
framr-4075	456	7	of	of	ADP
framr-4075	456	8	illegal	illegal	ADJ
framr-4075	456	9	financial	financial	ADJ
framr-4075	456	10	activity	activity	NOUN
framr-4075	456	11	,	,	PUNCT
framr-4075	456	12	the	the	DET
framr-4075	456	13	dark	dark	ADJ
framr-4075	456	14	web	web	NOUN
framr-4075	456	15	offers	offer	VERB
framr-4075	456	16	untraceable	untraceable	ADJ
framr-4075	456	17	transactions	transaction	NOUN
framr-4075	456	18	and	and	CCONJ
framr-4075	456	19	encrypted	encrypt	VERB
framr-4075	456	20	communication	communication	NOUN
framr-4075	456	21	methods	method	NOUN
framr-4075	456	22	(	(	PUNCT
framr-4075	456	23	bin	bin	NOUN
framr-4075	456	24	azero	azero	PROPN
framr-4075	456	25	et	et	PROPN
framr-4075	456	26	al	al	PROPN
framr-4075	456	27	.	.	PROPN
framr-4075	456	28	,	,	PUNCT
framr-4075	456	29	2024	2024	NUM
framr-4075	456	30	)	)	PUNCT
framr-4075	456	31	.	.	PUNCT
framr-4075	457	1	robust	robust	ADJ
framr-4075	457	2	privacy	privacy	NOUN
framr-4075	457	3	and	and	CCONJ
framr-4075	457	4	defence	defence	NOUN
framr-4075	457	5	against	against	ADP
framr-4075	457	6	government	government	NOUN
framr-4075	457	7	monitoring	monitoring	NOUN
framr-4075	457	8	are	be	AUX
framr-4075	457	9	offered	offer	VERB
framr-4075	457	10	by	by	ADP
framr-4075	457	11	the	the	DET
framr-4075	457	12	dark	dark	PROPN
framr-4075	457	13	web	web	NOUN
framr-4075	457	14	.	.	PUNCT
framr-4075	458	1	people	people	NOUN
framr-4075	458	2	who	who	PRON
framr-4075	458	3	live	live	VERB
framr-4075	458	4	under	under	ADP
framr-4075	458	5	repressive	repressive	ADJ
framr-4075	458	6	regimes	regime	NOUN
framr-4075	458	7	that	that	PRON
framr-4075	458	8	restrict	restrict	VERB
framr-4075	458	9	free	free	ADJ
framr-4075	458	10	speech	speech	NOUN
framr-4075	458	11	,	,	PUNCT
framr-4075	458	12	prohibit	prohibit	VERB
framr-4075	458	13	access	access	NOUN
framr-4075	458	14	to	to	ADP
framr-4075	458	15	huge	huge	ADJ
framr-4075	458	16	portions	portion	NOUN
framr-4075	458	17	of	of	ADP
framr-4075	458	18	the	the	DET
framr-4075	458	19	internet	internet	NOUN
framr-4075	458	20	,	,	PUNCT
framr-4075	458	21	and	and	CCONJ
framr-4075	458	22	prohibit	prohibit	VERB
framr-4075	458	23	criticizing	criticize	VERB
framr-4075	458	24	government	government	NOUN
framr-4075	458	25	actions	action	NOUN
framr-4075	458	26	are	be	AUX
framr-4075	458	27	drawn	draw	VERB
framr-4075	458	28	to	to	ADP
framr-4075	458	29	the	the	DET
framr-4075	458	30	network	network	NOUN
framr-4075	458	31	.	.	PUNCT
framr-4075	459	1	because	because	SCONJ
framr-4075	459	2	of	of	ADP
framr-4075	459	3	the	the	DET
framr-4075	459	4	dark	dark	ADJ
framr-4075	459	5	web	web	NOUN
framr-4075	459	6	's	's	PART
framr-4075	459	7	robust	robust	ADJ
framr-4075	459	8	anonymity	anonymity	NOUN
framr-4075	459	9	and	and	CCONJ
framr-4075	459	10	plethora	plethora	NOUN
framr-4075	459	11	of	of	ADP
framr-4075	459	12	identity	identity	NOUN
framr-4075	459	13	masking	masking	NOUN
framr-4075	459	14	strategies	strategy	NOUN
framr-4075	459	15	,	,	PUNCT
framr-4075	459	16	thieves	thief	NOUN
framr-4075	459	17	frequently	frequently	ADV
framr-4075	459	18	use	use	VERB
framr-4075	459	19	it	it	PRON
framr-4075	459	20	to	to	ADP
framr-4075	459	21	market	market	VERB
framr-4075	459	22	and	and	CCONJ
framr-4075	459	23	deliver	deliver	VERB
framr-4075	459	24	their	their	PRON
framr-4075	459	25	goods	good	NOUN
framr-4075	459	26	(	(	PUNCT
framr-4075	459	27	dhali	dhali	PROPN
framr-4075	459	28	,	,	PUNCT
framr-4075	459	29	hassan	hassan	PROPN
framr-4075	459	30	,	,	PUNCT
framr-4075	459	31	mehar	mehar	PROPN
framr-4075	459	32	,	,	PUNCT
framr-4075	459	33	shahzad	shahzad	PROPN
framr-4075	459	34	,	,	PUNCT
framr-4075	459	35	&	&	CCONJ
framr-4075	459	36	zaman	zaman	PROPN
framr-4075	459	37	,	,	PUNCT
framr-4075	459	38	2023	2023	NUM
framr-4075	459	39	)	)	PUNCT
framr-4075	459	40	.	.	PUNCT
framr-4075	460	1	6	6	X
framr-4075	460	2	.	.	X
framr-4075	460	3	case	case	NOUN
framr-4075	460	4	studies	study	NOUN
framr-4075	460	5	6.1	6.1	NUM
framr-4075	460	6	.	.	PUNCT
framr-4075	461	1	successful	successful	ADJ
framr-4075	461	2	implementation	implementation	NOUN
framr-4075	461	3	of	of	ADP
framr-4075	461	4	fintech	fintech	NOUN
framr-4075	461	5	in	in	ADP
framr-4075	461	6	crime	crime	NOUN
framr-4075	461	7	prevention	prevention	PROPN
framr-4075	461	8	6.1.1	6.1.1	PROPN
framr-4075	461	9	.	.	PUNCT
framr-4075	462	1	enhanced	enhance	VERB
framr-4075	462	2	fraud	fraud	NOUN
framr-4075	462	3	detection	detection	NOUN
framr-4075	462	4	with	with	ADP
framr-4075	462	5	ai	ai	ADJ
framr-4075	462	6	-	-	PUNCT
framr-4075	462	7	powered	power	VERB
framr-4075	462	8	solutions	solution	NOUN
framr-4075	462	9	one	one	NUM
framr-4075	462	10	prominent	prominent	ADJ
framr-4075	462	11	example	example	NOUN
framr-4075	462	12	of	of	ADP
framr-4075	462	13	successful	successful	ADJ
framr-4075	462	14	fintech	fintech	NOUN
framr-4075	462	15	implementation	implementation	NOUN
framr-4075	462	16	in	in	ADP
framr-4075	462	17	fraud	fraud	NOUN
framr-4075	462	18	prevention	prevention	NOUN
framr-4075	462	19	is	be	AUX
framr-4075	462	20	the	the	DET
framr-4075	462	21	arictm	arictm	ADJ
framr-4075	462	22	risk	risk	NOUN
framr-4075	462	23	hub	hub	NOUN
framr-4075	462	24	developed	develop	VERB
framr-4075	462	25	by	by	ADP
framr-4075	462	26	feature	feature	NOUN
framr-4075	462	27	space	space	NOUN
framr-4075	462	28	.	.	PUNCT
framr-4075	463	1	this	this	DET
framr-4075	463	2	ai	ai	NOUN
framr-4075	463	3	-	-	PUNCT
framr-4075	463	4	powered	power	VERB
framr-4075	463	5	platform	platform	NOUN
framr-4075	463	6	employs	employ	VERB
framr-4075	463	7	adaptive	adaptive	ADJ
framr-4075	463	8	behavioral	behavioral	ADJ
framr-4075	463	9	analytics	analytic	NOUN
framr-4075	463	10	to	to	PART
framr-4075	463	11	build	build	VERB
framr-4075	463	12	detailed	detailed	ADJ
framr-4075	463	13	profiles	profile	NOUN
framr-4075	463	14	of	of	ADP
framr-4075	463	15	genuine	genuine	ADJ
framr-4075	463	16	customers	customer	NOUN
framr-4075	463	17	by	by	ADP
framr-4075	463	18	analyzing	analyze	VERB
framr-4075	463	19	transaction	transaction	NOUN
framr-4075	463	20	data	datum	NOUN
framr-4075	463	21	and	and	CCONJ
framr-4075	463	22	third	third	ADJ
framr-4075	463	23	-	-	PUNCT
framr-4075	463	24	party	party	NOUN
framr-4075	463	25	information	information	NOUN
framr-4075	463	26	.	.	PUNCT
framr-4075	464	1	this	this	DET
framr-4075	464	2	approach	approach	NOUN
framr-4075	464	3	allows	allow	VERB
framr-4075	464	4	for	for	ADP
framr-4075	464	5	near	near	ADV
framr-4075	464	6	-	-	PUNCT
framr-4075	464	7	real	real	ADJ
framr-4075	464	8	-	-	PUNCT
framr-4075	464	9	time	time	NOUN
framr-4075	464	10	anomaly	anomaly	NOUN
framr-4075	464	11	detection	detection	NOUN
framr-4075	464	12	,	,	PUNCT
framr-4075	464	13	identifying	identify	VERB
framr-4075	464	14	fraudulent	fraudulent	ADJ
framr-4075	464	15	activities	activity	NOUN
framr-4075	464	16	within	within	ADP
framr-4075	464	17	milliseconds	millisecond	NOUN
framr-4075	464	18	.	.	PUNCT
framr-4075	465	1	deployed	deploy	VERB
framr-4075	465	2	across	across	ADP
framr-4075	465	3	70	70	NUM
framr-4075	465	4	major	major	ADJ
framr-4075	465	5	financial	financial	ADJ
framr-4075	465	6	institutions	institution	NOUN
framr-4075	465	7	,	,	PUNCT
framr-4075	465	8	arictm	arictm	ADJ
framr-4075	465	9	risk	risk	NOUN
framr-4075	465	10	hub	hub	NOUN
framr-4075	465	11	has	have	AUX
framr-4075	465	12	been	be	AUX
framr-4075	465	13	reported	report	VERB
framr-4075	465	14	to	to	PART
framr-4075	465	15	block	block	VERB
framr-4075	465	16	75	75	NUM
framr-4075	465	17	%	%	NOUN
framr-4075	465	18	of	of	ADP
framr-4075	465	19	fraud	fraud	NOUN
framr-4075	465	20	attacks	attack	NOUN
framr-4075	465	21	,	,	PUNCT
framr-4075	465	22	safeguarding	safeguard	VERB
framr-4075	465	23	over	over	ADP
framr-4075	465	24	500	500	NUM
framr-4075	465	25	million	million	NUM
framr-4075	465	26	consumers	consumer	NOUN
framr-4075	465	27	globally	globally	ADV
framr-4075	465	28	.	.	PUNCT
framr-4075	466	1	the	the	DET
framr-4075	466	2	adoption	adoption	NOUN
framr-4075	466	3	of	of	ADP
framr-4075	466	4	such	such	ADJ
framr-4075	466	5	ai	ai	NOUN
framr-4075	466	6	-	-	PUNCT
framr-4075	466	7	driven	drive	VERB
framr-4075	466	8	systems	system	NOUN
framr-4075	466	9	has	have	AUX
framr-4075	466	10	significantly	significantly	ADV
framr-4075	466	11	reduced	reduce	VERB
framr-4075	466	12	financial	financial	ADJ
framr-4075	466	13	losses	loss	NOUN
framr-4075	466	14	and	and	CCONJ
framr-4075	466	15	operational	operational	ADJ
framr-4075	466	16	costs	cost	NOUN
framr-4075	466	17	,	,	PUNCT
framr-4075	466	18	illustrating	illustrate	VERB
framr-4075	466	19	the	the	DET
framr-4075	466	20	transformative	transformative	ADJ
framr-4075	466	21	potential	potential	NOUN
framr-4075	466	22	of	of	ADP
framr-4075	466	23	fintech	fintech	NOUN
framr-4075	466	24	in	in	ADP
framr-4075	466	25	crime	crime	NOUN
framr-4075	466	26	prevention	prevention	NOUN
framr-4075	466	27	(	(	PUNCT
framr-4075	466	28	nvidia	nvidia	PROPN
framr-4075	466	29	,	,	PUNCT
framr-4075	466	30	2022	2022	NUM
framr-4075	466	31	)	)	PUNCT
framr-4075	466	32	.	.	PUNCT
framr-4075	467	1	the	the	DET
framr-4075	467	2	ai	ai	ADJ
framr-4075	467	3	capabilities	capability	NOUN
framr-4075	467	4	of	of	ADP
framr-4075	467	5	aric	aric	PROPN
framr-4075	467	6	risk	risk	NOUN
framr-4075	467	7	hub	hub	NOUN
framr-4075	467	8	enable	enable	VERB
framr-4075	467	9	it	it	PRON
framr-4075	467	10	to	to	PART
framr-4075	467	11	analyze	analyze	VERB
framr-4075	467	12	vast	vast	ADJ
framr-4075	467	13	amounts	amount	NOUN
framr-4075	467	14	of	of	ADP
framr-4075	467	15	data	datum	NOUN
framr-4075	467	16	quickly	quickly	ADV
framr-4075	467	17	and	and	CCONJ
framr-4075	467	18	efficiently	efficiently	ADV
framr-4075	467	19	,	,	PUNCT
framr-4075	467	20	learning	learn	VERB
framr-4075	467	21	from	from	ADP
framr-4075	467	22	each	each	DET
framr-4075	467	23	financial	financial	ADJ
framr-4075	467	24	risk	risk	NOUN
framr-4075	467	25	and	and	CCONJ
framr-4075	467	26	management	management	NOUN
framr-4075	467	27	reviews	review	NOUN
framr-4075	467	28	,	,	PUNCT
framr-4075	467	29	2025	2025	NUM
framr-4075	467	30	,	,	PUNCT
framr-4075	467	31	11(1	11(1	NUM
framr-4075	467	32	):	):	PUNCT
framr-4075	467	33	1	1	NUM
framr-4075	467	34	-	-	SYM
framr-4075	467	35	36	36	NUM
framr-4075	467	36	18	18	NUM
framr-4075	467	37	©	©	PROPN
framr-4075	467	38	2025	2025	NUM
framr-4075	467	39	conscientia	conscientia	PROPN
framr-4075	467	40	beam	beam	PROPN
framr-4075	467	41	.	.	PUNCT
framr-4075	468	1	all	all	DET
framr-4075	468	2	rights	right	NOUN
framr-4075	468	3	reserved	reserve	VERB
framr-4075	468	4	.	.	PUNCT
framr-4075	469	1	transaction	transaction	NOUN
framr-4075	469	2	to	to	PART
framr-4075	469	3	improve	improve	VERB
framr-4075	469	4	its	its	PRON
framr-4075	469	5	fraud	fraud	NOUN
framr-4075	469	6	detection	detection	NOUN
framr-4075	469	7	accuracy	accuracy	NOUN
framr-4075	469	8	continuously	continuously	ADV
framr-4075	469	9	.	.	PUNCT
framr-4075	470	1	this	this	DET
framr-4075	470	2	dynamic	dynamic	ADJ
framr-4075	470	3	and	and	CCONJ
framr-4075	470	4	adaptive	adaptive	ADJ
framr-4075	470	5	approach	approach	NOUN
framr-4075	470	6	not	not	PART
framr-4075	470	7	only	only	ADV
framr-4075	470	8	protects	protect	VERB
framr-4075	470	9	consumers	consumer	NOUN
framr-4075	470	10	but	but	CCONJ
framr-4075	470	11	also	also	ADV
framr-4075	470	12	helps	help	VERB
framr-4075	470	13	financial	financial	ADJ
framr-4075	470	14	institutions	institution	NOUN
framr-4075	470	15	stay	stay	VERB
framr-4075	470	16	ahead	ahead	ADV
framr-4075	470	17	of	of	ADP
framr-4075	470	18	increasingly	increasingly	ADV
framr-4075	470	19	sophisticated	sophisticated	ADJ
framr-4075	470	20	fraud	fraud	NOUN
framr-4075	470	21	schemes	scheme	NOUN
framr-4075	470	22	(	(	PUNCT
framr-4075	470	23	nvidia	nvidia	PROPN
framr-4075	470	24	,	,	PUNCT
framr-4075	470	25	2022	2022	NUM
framr-4075	470	26	)	)	PUNCT
framr-4075	470	27	.	.	PUNCT
framr-4075	471	1	6.1.2	6.1.2	X
framr-4075	471	2	.	.	PUNCT
framr-4075	471	3	blockchain	blockchain	PROPN
framr-4075	471	4	technology	technology	PROPN
framr-4075	471	5	for	for	ADP
framr-4075	471	6	enhanced	enhanced	ADJ
framr-4075	471	7	transparency	transparency	NOUN
framr-4075	471	8	transparency	transparency	NOUN
framr-4075	471	9	and	and	CCONJ
framr-4075	471	10	accountability	accountability	NOUN
framr-4075	471	11	in	in	ADP
framr-4075	471	12	financial	financial	ADJ
framr-4075	471	13	institutions	institution	NOUN
framr-4075	471	14	have	have	AUX
framr-4075	471	15	been	be	AUX
framr-4075	471	16	significantly	significantly	ADV
framr-4075	471	17	enhanced	enhance	VERB
framr-4075	471	18	by	by	ADP
framr-4075	471	19	blockchain	blockchain	PROPN
framr-4075	471	20	technology	technology	PROPN
framr-4075	471	21	.	.	PUNCT
framr-4075	472	1	blockchain	blockchain	PROPN
framr-4075	472	2	creates	create	VERB
framr-4075	472	3	an	an	DET
framr-4075	472	4	immutable	immutable	ADJ
framr-4075	472	5	ledger	ledger	NOUN
framr-4075	472	6	,	,	PUNCT
framr-4075	472	7	ensuring	ensure	VERB
framr-4075	472	8	that	that	SCONJ
framr-4075	472	9	record	record	NOUN
framr-4075	472	10	-	-	PUNCT
framr-4075	472	11	keeping	keep	VERB
framr-4075	472	12	transactions	transaction	NOUN
framr-4075	472	13	remain	remain	VERB
framr-4075	472	14	honest	honest	ADJ
framr-4075	472	15	and	and	CCONJ
framr-4075	472	16	transparent	transparent	ADJ
framr-4075	472	17	because	because	SCONJ
framr-4075	472	18	all	all	DET
framr-4075	472	19	actions	action	NOUN
framr-4075	472	20	are	be	AUX
framr-4075	472	21	permanently	permanently	ADV
framr-4075	472	22	recorded	record	VERB
framr-4075	472	23	on	on	ADP
framr-4075	472	24	the	the	DET
framr-4075	472	25	chain	chain	NOUN
framr-4075	472	26	.	.	PUNCT
framr-4075	473	1	this	this	DET
framr-4075	473	2	technology	technology	NOUN
framr-4075	473	3	has	have	AUX
framr-4075	473	4	been	be	AUX
framr-4075	473	5	effectively	effectively	ADV
framr-4075	473	6	used	use	VERB
framr-4075	473	7	in	in	ADP
framr-4075	473	8	money	money	NOUN
framr-4075	473	9	laundering	laundering	NOUN
framr-4075	473	10	prevention	prevention	NOUN
framr-4075	473	11	and	and	CCONJ
framr-4075	473	12	regulatory	regulatory	ADJ
framr-4075	473	13	scrutiny	scrutiny	NOUN
framr-4075	473	14	.	.	PUNCT
framr-4075	474	1	specifically	specifically	ADV
framr-4075	474	2	,	,	PUNCT
framr-4075	474	3	financial	financial	ADJ
framr-4075	474	4	institutions	institution	NOUN
framr-4075	474	5	that	that	PRON
framr-4075	474	6	utilize	utilize	VERB
framr-4075	474	7	blockchain	blockchain	PROPN
framr-4075	474	8	technology	technology	PROPN
framr-4075	474	9	to	to	PART
framr-4075	474	10	monitor	monitor	VERB
framr-4075	474	11	transactions	transaction	NOUN
framr-4075	474	12	have	have	AUX
framr-4075	474	13	experienced	experience	VERB
framr-4075	474	14	greater	great	ADJ
framr-4075	474	15	efficacy	efficacy	NOUN
framr-4075	474	16	in	in	ADP
framr-4075	474	17	detecting	detect	VERB
framr-4075	474	18	and	and	CCONJ
framr-4075	474	19	preventing	prevent	VERB
framr-4075	474	20	fraudulent	fraudulent	ADJ
framr-4075	474	21	activities	activity	NOUN
framr-4075	474	22	(	(	PUNCT
framr-4075	474	23	mckinsey	mckinsey	NOUN
framr-4075	474	24	&	&	CCONJ
framr-4075	474	25	company	company	NOUN
framr-4075	474	26	,	,	PUNCT
framr-4075	474	27	2021a	2021a	NUM
framr-4075	474	28	)	)	PUNCT
framr-4075	474	29	.	.	PUNCT
framr-4075	475	1	in	in	ADP
framr-4075	475	2	cash	cash	NOUN
framr-4075	475	3	transactions	transaction	NOUN
framr-4075	475	4	,	,	PUNCT
framr-4075	475	5	blockchain	blockchain	PROPN
framr-4075	475	6	technology	technology	PROPN
framr-4075	475	7	increases	increase	VERB
framr-4075	475	8	validity	validity	NOUN
framr-4075	475	9	as	as	SCONJ
framr-4075	475	10	every	every	DET
framr-4075	475	11	small	small	ADJ
framr-4075	475	12	transaction	transaction	NOUN
framr-4075	475	13	made	make	VERB
framr-4075	475	14	is	be	AUX
framr-4075	475	15	recorded	record	VERB
framr-4075	475	16	and	and	CCONJ
framr-4075	475	17	can	can	AUX
framr-4075	475	18	not	not	PART
framr-4075	475	19	be	be	AUX
framr-4075	475	20	altered	alter	VERB
framr-4075	475	21	in	in	ADP
framr-4075	475	22	the	the	DET
framr-4075	475	23	future	future	NOUN
framr-4075	475	24	.	.	PUNCT
framr-4075	476	1	due	due	ADP
framr-4075	476	2	to	to	ADP
framr-4075	476	3	these	these	DET
framr-4075	476	4	features	feature	NOUN
framr-4075	476	5	,	,	PUNCT
framr-4075	476	6	this	this	DET
framr-4075	476	7	tool	tool	NOUN
framr-4075	476	8	has	have	VERB
framr-4075	476	9	significant	significant	ADJ
framr-4075	476	10	value	value	NOUN
framr-4075	476	11	in	in	ADP
framr-4075	476	12	safeguarding	safeguard	VERB
framr-4075	476	13	the	the	DET
framr-4075	476	14	integrity	integrity	NOUN
framr-4075	476	15	of	of	ADP
framr-4075	476	16	financial	financial	ADJ
framr-4075	476	17	documentation	documentation	NOUN
framr-4075	476	18	and	and	CCONJ
framr-4075	476	19	compliance	compliance	NOUN
framr-4075	476	20	with	with	ADP
framr-4075	476	21	various	various	ADJ
framr-4075	476	22	legal	legal	ADJ
framr-4075	476	23	requirements	requirement	NOUN
framr-4075	476	24	.	.	PUNCT
framr-4075	477	1	because	because	SCONJ
framr-4075	477	2	of	of	ADP
framr-4075	477	3	its	its	PRON
framr-4075	477	4	structure	structure	NOUN
framr-4075	477	5	,	,	PUNCT
framr-4075	477	6	blockchain	blockchain	PROPN
framr-4075	477	7	provides	provide	VERB
framr-4075	477	8	greater	great	ADJ
framr-4075	477	9	transparency	transparency	NOUN
framr-4075	477	10	,	,	PUNCT
framr-4075	477	11	allowing	allow	VERB
framr-4075	477	12	for	for	ADP
framr-4075	477	13	the	the	DET
framr-4075	477	14	immediate	immediate	ADJ
framr-4075	477	15	detection	detection	NOUN
framr-4075	477	16	of	of	ADP
framr-4075	477	17	inefficiencies	inefficiency	NOUN
framr-4075	477	18	and	and	CCONJ
framr-4075	477	19	potential	potential	ADJ
framr-4075	477	20	crimes	crime	NOUN
framr-4075	477	21	(	(	PUNCT
framr-4075	477	22	mckinsey	mckinsey	NOUN
framr-4075	477	23	&	&	CCONJ
framr-4075	477	24	company	company	PROPN
framr-4075	477	25	,	,	PUNCT
framr-4075	477	26	2021b	2021b	NUM
framr-4075	477	27	)	)	PUNCT
framr-4075	477	28	.	.	PUNCT
framr-4075	478	1	6.1.3	6.1.3	NUM
framr-4075	478	2	.	.	PUNCT
framr-4075	479	1	real	real	ADJ
framr-4075	479	2	-	-	PUNCT
framr-4075	479	3	time	time	NOUN
framr-4075	479	4	transaction	transaction	NOUN
framr-4075	479	5	monitoring	monitor	VERB
framr-4075	479	6	another	another	DET
framr-4075	479	7	sector	sector	NOUN
framr-4075	479	8	in	in	ADP
framr-4075	479	9	which	which	PRON
framr-4075	479	10	fintech	fintech	NOUN
framr-4075	479	11	has	have	AUX
framr-4075	479	12	proven	prove	VERB
framr-4075	479	13	effective	effective	ADJ
framr-4075	479	14	is	be	AUX
framr-4075	479	15	real	real	ADJ
framr-4075	479	16	-	-	PUNCT
framr-4075	479	17	time	time	NOUN
framr-4075	479	18	transaction	transaction	NOUN
framr-4075	479	19	monitoring	monitoring	NOUN
framr-4075	479	20	.	.	PUNCT
framr-4075	480	1	psps	psp	NOUN
framr-4075	480	2	have	have	AUX
framr-4075	480	3	integrated	integrate	VERB
framr-4075	480	4	sophisticated	sophisticated	ADJ
framr-4075	480	5	computational	computational	ADJ
framr-4075	480	6	models	model	NOUN
framr-4075	480	7	to	to	PART
framr-4075	480	8	identify	identify	VERB
framr-4075	480	9	fraudulent	fraudulent	ADJ
framr-4075	480	10	transactions	transaction	NOUN
framr-4075	480	11	based	base	VERB
framr-4075	480	12	on	on	ADP
framr-4075	480	13	real	real	ADJ
framr-4075	480	14	-	-	PUNCT
framr-4075	480	15	time	time	NOUN
framr-4075	480	16	assessments	assessment	NOUN
framr-4075	480	17	.	.	PUNCT
framr-4075	481	1	it	it	PRON
framr-4075	481	2	can	can	AUX
framr-4075	481	3	detect	detect	VERB
framr-4075	481	4	abnormal	abnormal	ADJ
framr-4075	481	5	procedures	procedure	NOUN
framr-4075	481	6	or	or	CCONJ
framr-4075	481	7	transactions	transaction	NOUN
framr-4075	481	8	as	as	SCONJ
framr-4075	481	9	the	the	DET
framr-4075	481	10	algorithm	algorithm	NOUN
framr-4075	481	11	follows	follow	VERB
framr-4075	481	12	transactional	transactional	ADJ
framr-4075	481	13	patterns	pattern	NOUN
framr-4075	481	14	.	.	PUNCT
framr-4075	482	1	to	to	PART
framr-4075	482	2	monitor	monitor	VERB
framr-4075	482	3	and	and	CCONJ
framr-4075	482	4	detect	detect	VERB
framr-4075	482	5	internal	internal	ADJ
framr-4075	482	6	unethical	unethical	ADJ
framr-4075	482	7	behavior	behavior	NOUN
framr-4075	482	8	,	,	PUNCT
framr-4075	482	9	psps	psp	NOUN
framr-4075	482	10	have	have	AUX
framr-4075	482	11	incorporated	incorporate	VERB
framr-4075	482	12	these	these	DET
framr-4075	482	13	advanced	advanced	ADJ
framr-4075	482	14	systems	system	NOUN
framr-4075	482	15	to	to	PART
framr-4075	482	16	manage	manage	VERB
framr-4075	482	17	better	well	ADJ
framr-4075	482	18	financial	financial	ADJ
framr-4075	482	19	crime	crime	NOUN
framr-4075	482	20	risks	risk	NOUN
framr-4075	482	21	(	(	PUNCT
framr-4075	482	22	mckinsey	mckinsey	NOUN
framr-4075	482	23	&	&	CCONJ
framr-4075	482	24	company	company	NOUN
framr-4075	482	25	,	,	PUNCT
framr-4075	482	26	2021a	2021a	NUM
framr-4075	482	27	)	)	PUNCT
framr-4075	482	28	.	.	PUNCT
framr-4075	483	1	real	real	ADJ
framr-4075	483	2	-	-	PUNCT
framr-4075	483	3	time	time	NOUN
framr-4075	483	4	monitoring	monitoring	NOUN
framr-4075	483	5	systems	system	NOUN
framr-4075	483	6	enhance	enhance	VERB
framr-4075	483	7	the	the	DET
framr-4075	483	8	ability	ability	NOUN
framr-4075	483	9	of	of	ADP
framr-4075	483	10	psps	psp	NOUN
framr-4075	483	11	to	to	PART
framr-4075	483	12	catch	catch	VERB
framr-4075	483	13	fraudulent	fraudulent	ADJ
framr-4075	483	14	activities	activity	NOUN
framr-4075	483	15	as	as	SCONJ
framr-4075	483	16	they	they	PRON
framr-4075	483	17	occur	occur	VERB
framr-4075	483	18	.	.	PUNCT
framr-4075	484	1	as	as	SCONJ
framr-4075	484	2	transactions	transaction	NOUN
framr-4075	484	3	are	be	AUX
framr-4075	484	4	processed	process	VERB
framr-4075	484	5	,	,	PUNCT
framr-4075	484	6	these	these	DET
framr-4075	484	7	systems	system	NOUN
framr-4075	484	8	scrutinize	scrutinize	VERB
framr-4075	484	9	transaction	transaction	NOUN
framr-4075	484	10	details	detail	NOUN
framr-4075	484	11	for	for	ADP
framr-4075	484	12	signs	sign	NOUN
framr-4075	484	13	of	of	ADP
framr-4075	484	14	potential	potential	ADJ
framr-4075	484	15	fraud	fraud	NOUN
framr-4075	484	16	,	,	PUNCT
framr-4075	484	17	such	such	ADJ
framr-4075	484	18	as	as	ADP
framr-4075	484	19	substantial	substantial	ADJ
framr-4075	484	20	withdrawals	withdrawal	NOUN
framr-4075	484	21	or	or	CCONJ
framr-4075	484	22	transfers	transfer	NOUN
framr-4075	484	23	that	that	PRON
framr-4075	484	24	deviate	deviate	VERB
framr-4075	484	25	from	from	ADP
framr-4075	484	26	a	a	DET
framr-4075	484	27	customer	customer	NOUN
framr-4075	484	28	's	's	PART
framr-4075	484	29	regular	regular	ADJ
framr-4075	484	30	activity	activity	NOUN
framr-4075	484	31	.	.	PUNCT
framr-4075	485	1	this	this	DET
framr-4075	485	2	proactive	proactive	ADJ
framr-4075	485	3	fraud	fraud	NOUN
framr-4075	485	4	-	-	PUNCT
framr-4075	485	5	tracking	track	VERB
framr-4075	485	6	and	and	CCONJ
framr-4075	485	7	detection	detection	NOUN
framr-4075	485	8	strategy	strategy	NOUN
framr-4075	485	9	enables	enable	VERB
framr-4075	485	10	financial	financial	ADJ
framr-4075	485	11	institutions	institution	NOUN
framr-4075	485	12	to	to	PART
framr-4075	485	13	mitigate	mitigate	VERB
framr-4075	485	14	losses	loss	NOUN
framr-4075	485	15	and	and	CCONJ
framr-4075	485	16	implement	implement	VERB
framr-4075	485	17	better	well	ADJ
framr-4075	485	18	safeguards	safeguard	NOUN
framr-4075	485	19	more	more	ADV
framr-4075	485	20	securely	securely	ADV
framr-4075	485	21	(	(	PUNCT
framr-4075	485	22	mckinsey	mckinsey	NOUN
framr-4075	485	23	&	&	CCONJ
framr-4075	485	24	company	company	NOUN
framr-4075	485	25	,	,	PUNCT
framr-4075	485	26	2021a	2021a	NUM
framr-4075	485	27	)	)	PUNCT
framr-4075	485	28	.	.	PUNCT
framr-4075	486	1	6.2	6.2	NUM
framr-4075	486	2	.	.	PUNCT
framr-4075	486	3	instances	instance	NOUN
framr-4075	486	4	of	of	ADP
framr-4075	486	5	fintech	fintech	NOUN
framr-4075	486	6	exploitation	exploitation	NOUN
framr-4075	486	7	by	by	ADP
framr-4075	486	8	criminals	criminal	NOUN
framr-4075	486	9	6.2.1	6.2.1	NOUN
framr-4075	486	10	.	.	PUNCT
framr-4075	487	1	rise	rise	NOUN
framr-4075	487	2	of	of	ADP
framr-4075	487	3	sophisticated	sophisticated	ADJ
framr-4075	487	4	fraud	fraud	NOUN
framr-4075	487	5	schemes	scheme	NOUN
framr-4075	487	6	while	while	SCONJ
framr-4075	487	7	fraud	fraud	NOUN
framr-4075	487	8	prevention	prevention	NOUN
framr-4075	487	9	technology	technology	NOUN
framr-4075	487	10	has	have	AUX
framr-4075	487	11	evolved	evolve	VERB
framr-4075	487	12	,	,	PUNCT
framr-4075	487	13	criminals	criminal	NOUN
framr-4075	487	14	have	have	AUX
framr-4075	487	15	also	also	ADV
framr-4075	487	16	leveraged	leverage	VERB
framr-4075	487	17	advancements	advancement	NOUN
framr-4075	487	18	in	in	ADP
framr-4075	487	19	fintech	fintech	NOUN
framr-4075	487	20	to	to	PART
framr-4075	487	21	become	become	VERB
framr-4075	487	22	even	even	ADV
framr-4075	487	23	more	more	ADV
framr-4075	487	24	sophisticated	sophisticated	ADJ
framr-4075	487	25	in	in	ADP
framr-4075	487	26	their	their	PRON
framr-4075	487	27	schemes	scheme	NOUN
framr-4075	487	28	.	.	PUNCT
framr-4075	488	1	for	for	ADP
framr-4075	488	2	instance	instance	NOUN
framr-4075	488	3	,	,	PUNCT
framr-4075	488	4	the	the	DET
framr-4075	488	5	evolving	evolve	VERB
framr-4075	488	6	nature	nature	NOUN
framr-4075	488	7	of	of	ADP
framr-4075	488	8	crimes	crime	NOUN
framr-4075	488	9	has	have	AUX
framr-4075	488	10	given	give	VERB
framr-4075	488	11	rise	rise	NOUN
framr-4075	488	12	to	to	ADP
framr-4075	488	13	vectors	vector	NOUN
framr-4075	488	14	such	such	ADJ
framr-4075	488	15	as	as	ADP
framr-4075	488	16	identity	identity	NOUN
framr-4075	488	17	theft	theft	NOUN
framr-4075	488	18	and	and	CCONJ
framr-4075	488	19	fraudulent	fraudulent	ADJ
framr-4075	488	20	account	account	NOUN
framr-4075	488	21	creation	creation	NOUN
framr-4075	488	22	,	,	PUNCT
framr-4075	488	23	mainly	mainly	ADV
framr-4075	488	24	due	due	ADP
framr-4075	488	25	to	to	ADP
framr-4075	488	26	the	the	DET
framr-4075	488	27	increased	increase	VERB
framr-4075	488	28	use	use	NOUN
framr-4075	488	29	of	of	ADP
framr-4075	488	30	digital	digital	ADJ
framr-4075	488	31	payment	payment	NOUN
framr-4075	488	32	platforms	platform	NOUN
framr-4075	488	33	.	.	PUNCT
framr-4075	489	1	digital	digital	ADJ
framr-4075	489	2	onboarding	onboarding	NOUN
framr-4075	489	3	is	be	AUX
framr-4075	489	4	a	a	DET
framr-4075	489	5	significant	significant	ADJ
framr-4075	489	6	weakness	weakness	NOUN
framr-4075	489	7	for	for	ADP
framr-4075	489	8	digital	digital	ADJ
framr-4075	489	9	scammers	scammer	NOUN
framr-4075	489	10	who	who	PRON
framr-4075	489	11	fabricate	fabricate	VERB
framr-4075	489	12	fake	fake	ADJ
framr-4075	489	13	identities	identity	NOUN
framr-4075	489	14	and	and	CCONJ
framr-4075	489	15	gain	gain	VERB
framr-4075	489	16	unauthorized	unauthorized	ADJ
framr-4075	489	17	access	access	NOUN
framr-4075	489	18	to	to	ADP
framr-4075	489	19	financial	financial	ADJ
framr-4075	489	20	services	service	NOUN
framr-4075	489	21	.	.	PUNCT
framr-4075	490	1	this	this	PRON
framr-4075	490	2	has	have	AUX
framr-4075	490	3	led	lead	VERB
framr-4075	490	4	to	to	ADP
framr-4075	490	5	substantial	substantial	ADJ
framr-4075	490	6	financial	financial	ADJ
framr-4075	490	7	losses	loss	NOUN
framr-4075	490	8	and	and	CCONJ
framr-4075	490	9	has	have	AUX
framr-4075	490	10	proven	prove	VERB
framr-4075	490	11	challenging	challenge	VERB
framr-4075	490	12	for	for	SCONJ
framr-4075	490	13	institutions	institution	NOUN
framr-4075	490	14	to	to	PART
framr-4075	490	15	maintain	maintain	VERB
framr-4075	490	16	robust	robust	ADJ
framr-4075	490	17	security	security	NOUN
framr-4075	490	18	(	(	PUNCT
framr-4075	490	19	nvidia	nvidia	PROPN
framr-4075	490	20	,	,	PUNCT
framr-4075	490	21	2022	2022	NUM
framr-4075	490	22	)	)	PUNCT
framr-4075	490	23	.	.	PUNCT
framr-4075	491	1	6.2.2	6.2.2	X
framr-4075	491	2	.	.	PUNCT
framr-4075	492	1	cryptocurrency	cryptocurrency	NOUN
framr-4075	492	2	and	and	CCONJ
framr-4075	492	3	money	money	NOUN
framr-4075	492	4	laundering	launder	VERB
framr-4075	492	5	another	another	DET
framr-4075	492	6	aspect	aspect	NOUN
framr-4075	492	7	regarding	regard	VERB
framr-4075	492	8	cryptocurrencies	cryptocurrencie	NOUN
framr-4075	492	9	is	be	AUX
framr-4075	492	10	the	the	DET
framr-4075	492	11	anonymity	anonymity	NOUN
framr-4075	492	12	these	these	DET
framr-4075	492	13	currencies	currency	NOUN
framr-4075	492	14	provide	provide	VERB
framr-4075	492	15	.	.	PUNCT
framr-4075	493	1	criminals	criminal	NOUN
framr-4075	493	2	have	have	AUX
framr-4075	493	3	exploited	exploit	VERB
framr-4075	493	4	the	the	DET
framr-4075	493	5	ability	ability	NOUN
framr-4075	493	6	to	to	PART
framr-4075	493	7	anonymously	anonymously	ADV
framr-4075	493	8	transfer	transfer	VERB
framr-4075	493	9	money	money	NOUN
framr-4075	493	10	online	online	ADV
framr-4075	493	11	using	use	VERB
framr-4075	493	12	cryptocurrencies	cryptocurrencie	NOUN
framr-4075	493	13	,	,	PUNCT
framr-4075	493	14	including	include	VERB
framr-4075	493	15	laundering	launder	VERB
framr-4075	493	16	illicit	illicit	ADJ
framr-4075	493	17	gains	gain	NOUN
framr-4075	493	18	and	and	CCONJ
framr-4075	493	19	moving	move	VERB
framr-4075	493	20	currency	currency	NOUN
framr-4075	493	21	across	across	ADP
framr-4075	493	22	borders	border	NOUN
framr-4075	493	23	in	in	ADP
framr-4075	493	24	cybercrime	cybercrime	NOUN
framr-4075	493	25	activities	activity	NOUN
framr-4075	493	26	.	.	PUNCT
framr-4075	494	1	since	since	SCONJ
framr-4075	494	2	blockchain	blockchain	PROPN
framr-4075	494	3	technology	technology	PROPN
framr-4075	494	4	is	be	AUX
framr-4075	494	5	decentralized	decentralize	VERB
framr-4075	494	6	,	,	PUNCT
framr-4075	494	7	it	it	PRON
framr-4075	494	8	poses	pose	VERB
framr-4075	494	9	challenges	challenge	NOUN
framr-4075	494	10	when	when	SCONJ
framr-4075	494	11	regulatory	regulatory	ADJ
framr-4075	494	12	authorities	authority	NOUN
framr-4075	494	13	attempt	attempt	VERB
framr-4075	494	14	to	to	PART
framr-4075	494	15	track	track	VERB
framr-4075	494	16	and	and	CCONJ
framr-4075	494	17	eliminate	eliminate	VERB
framr-4075	494	18	such	such	ADJ
framr-4075	494	19	activities	activity	NOUN
framr-4075	494	20	.	.	PUNCT
framr-4075	495	1	although	although	SCONJ
framr-4075	495	2	data	datum	NOUN
framr-4075	495	3	on	on	ADP
framr-4075	495	4	these	these	DET
framr-4075	495	5	categories	category	NOUN
framr-4075	495	6	is	be	AUX
framr-4075	495	7	limited	limited	ADJ
framr-4075	495	8	,	,	PUNCT
framr-4075	495	9	numerous	numerous	ADJ
framr-4075	495	10	instances	instance	NOUN
framr-4075	495	11	of	of	ADP
framr-4075	495	12	money	money	NOUN
framr-4075	495	13	laundering	launder	VERB
framr-4075	495	14	through	through	ADP
framr-4075	495	15	cryptocurrencies	cryptocurrencie	NOUN
framr-4075	495	16	have	have	AUX
framr-4075	495	17	been	be	AUX
framr-4075	495	18	reported	report	VERB
framr-4075	495	19	worldwide	worldwide	ADV
framr-4075	495	20	,	,	PUNCT
framr-4075	495	21	highlighting	highlight	VERB
framr-4075	495	22	our	our	PRON
framr-4075	495	23	limited	limited	ADJ
framr-4075	495	24	understanding	understanding	NOUN
framr-4075	495	25	of	of	ADP
framr-4075	495	26	this	this	DET
framr-4075	495	27	risk	risk	NOUN
framr-4075	495	28	(	(	PUNCT
framr-4075	495	29	mckinsey	mckinsey	NOUN
framr-4075	495	30	&	&	CCONJ
framr-4075	495	31	company	company	PROPN
framr-4075	495	32	,	,	PUNCT
framr-4075	495	33	2021a	2021a	NUM
framr-4075	495	34	)	)	PUNCT
framr-4075	495	35	.	.	PUNCT
framr-4075	496	1	financial	financial	ADJ
framr-4075	496	2	risk	risk	NOUN
framr-4075	496	3	and	and	CCONJ
framr-4075	496	4	management	management	NOUN
framr-4075	496	5	reviews	review	NOUN
framr-4075	496	6	,	,	PUNCT
framr-4075	496	7	2025	2025	NUM
framr-4075	496	8	,	,	PUNCT
framr-4075	496	9	11(1	11(1	NUM
framr-4075	496	10	):	):	PUNCT
framr-4075	496	11	1	1	NUM
framr-4075	496	12	-	-	SYM
framr-4075	496	13	36	36	NUM
framr-4075	496	14	19	19	NUM
framr-4075	496	15	©	©	PROPN
framr-4075	496	16	2025	2025	NUM
framr-4075	496	17	conscientia	conscientia	PROPN
framr-4075	496	18	beam	beam	PROPN
framr-4075	496	19	.	.	PUNCT
framr-4075	497	1	all	all	DET
framr-4075	497	2	rights	right	NOUN
framr-4075	497	3	reserved	reserve	VERB
framr-4075	497	4	.	.	PUNCT
framr-4075	498	1	6.2.3	6.2.3	X
framr-4075	498	2	.	.	PUNCT
framr-4075	498	3	dark	dark	ADJ
framr-4075	498	4	web	web	NOUN
framr-4075	498	5	activities	activity	NOUN
framr-4075	498	6	fintech	fintech	NOUN
framr-4075	498	7	has	have	AUX
framr-4075	498	8	also	also	ADV
framr-4075	498	9	made	make	VERB
framr-4075	498	10	financial	financial	ADJ
framr-4075	498	11	crimes	crime	NOUN
framr-4075	498	12	more	more	ADV
framr-4075	498	13	pervasive	pervasive	ADJ
framr-4075	498	14	through	through	ADP
framr-4075	498	15	the	the	DET
framr-4075	498	16	proliferation	proliferation	NOUN
framr-4075	498	17	of	of	ADP
framr-4075	498	18	dark	dark	ADJ
framr-4075	498	19	web	web	NOUN
framr-4075	498	20	activities	activity	NOUN
framr-4075	498	21	.	.	PUNCT
framr-4075	499	1	cybercriminals	cybercriminal	NOUN
framr-4075	499	2	use	use	VERB
framr-4075	499	3	the	the	DET
framr-4075	499	4	dark	dark	ADJ
framr-4075	499	5	web	web	NOUN
framr-4075	499	6	to	to	PART
framr-4075	499	7	trade	trade	VERB
framr-4075	499	8	stolen	steal	VERB
framr-4075	499	9	data	datum	NOUN
framr-4075	499	10	,	,	PUNCT
framr-4075	499	11	counterfeit	counterfeit	ADJ
framr-4075	499	12	money	money	NOUN
framr-4075	499	13	,	,	PUNCT
framr-4075	499	14	and	and	CCONJ
framr-4075	499	15	other	other	ADJ
framr-4075	499	16	illicit	illicit	ADJ
framr-4075	499	17	products	product	NOUN
framr-4075	499	18	and	and	CCONJ
framr-4075	499	19	services	service	NOUN
framr-4075	499	20	.	.	PUNCT
framr-4075	500	1	this	this	DET
framr-4075	500	2	underground	underground	ADJ
framr-4075	500	3	economy	economy	NOUN
framr-4075	500	4	thrives	thrive	VERB
framr-4075	500	5	on	on	ADP
framr-4075	500	6	the	the	DET
framr-4075	500	7	overarching	overarching	ADJ
framr-4075	500	8	pseudonymity	pseudonymity	NOUN
framr-4075	500	9	and	and	CCONJ
framr-4075	500	10	security	security	NOUN
framr-4075	500	11	offered	offer	VERB
framr-4075	500	12	by	by	ADP
framr-4075	500	13	fintech	fintech	NOUN
framr-4075	500	14	platforms	platform	NOUN
framr-4075	500	15	,	,	PUNCT
framr-4075	500	16	which	which	PRON
framr-4075	500	17	significantly	significantly	ADV
framr-4075	500	18	complicates	complicate	VERB
framr-4075	500	19	law	law	NOUN
framr-4075	500	20	enforcement	enforcement	NOUN
framr-4075	500	21	efforts	effort	NOUN
framr-4075	500	22	to	to	PART
framr-4075	500	23	track	track	VERB
framr-4075	500	24	and	and	CCONJ
framr-4075	500	25	dismantle	dismantle	VERB
framr-4075	500	26	these	these	DET
framr-4075	500	27	criminal	criminal	ADJ
framr-4075	500	28	networks	network	NOUN
framr-4075	500	29	.	.	PUNCT
framr-4075	501	1	over	over	ADP
framr-4075	501	2	the	the	DET
framr-4075	501	3	decades	decade	NOUN
framr-4075	501	4	,	,	PUNCT
framr-4075	501	5	the	the	DET
framr-4075	501	6	dark	dark	ADJ
framr-4075	501	7	web	web	NOUN
framr-4075	501	8	has	have	AUX
framr-4075	501	9	increasingly	increasingly	ADV
framr-4075	501	10	been	be	AUX
framr-4075	501	11	associated	associate	VERB
framr-4075	501	12	with	with	ADP
framr-4075	501	13	financial	financial	ADJ
framr-4075	501	14	crimes	crime	NOUN
framr-4075	501	15	,	,	PUNCT
framr-4075	501	16	according	accord	VERB
framr-4075	501	17	to	to	ADP
framr-4075	501	18	various	various	ADJ
framr-4075	501	19	reports	report	NOUN
framr-4075	501	20	,	,	PUNCT
framr-4075	501	21	suggesting	suggest	VERB
framr-4075	501	22	the	the	DET
framr-4075	501	23	need	need	NOUN
framr-4075	501	24	for	for	ADP
framr-4075	501	25	much	much	ADJ
framr-4075	501	26	stricter	strict	ADJ
framr-4075	501	27	monitoring	monitoring	NOUN
framr-4075	501	28	and	and	CCONJ
framr-4075	501	29	enforcement	enforcement	NOUN
framr-4075	501	30	(	(	PUNCT
framr-4075	501	31	home	home	NOUN
framr-4075	501	32	of	of	ADP
framr-4075	501	33	fintech	fintech	NOUN
framr-4075	501	34	&	&	CCONJ
framr-4075	501	35	banking	banking	NOUN
framr-4075	501	36	news	news	NOUN
framr-4075	501	37	,	,	PUNCT
framr-4075	501	38	2021	2021	NUM
framr-4075	501	39	)	)	PUNCT
framr-4075	501	40	.	.	PUNCT
framr-4075	502	1	7	7	X
framr-4075	502	2	.	.	X
framr-4075	502	3	regulatory	regulatory	ADJ
framr-4075	502	4	landscape	landscape	NOUN
framr-4075	502	5	of	of	ADP
framr-4075	502	6	fintech	fintech	NOUN
framr-4075	502	7	and	and	CCONJ
framr-4075	502	8	financial	financial	ADJ
framr-4075	502	9	crimes	crime	NOUN
framr-4075	502	10	7.1	7.1	NUM
framr-4075	502	11	.	.	PUNCT
framr-4075	503	1	current	current	ADJ
framr-4075	503	2	regulatory	regulatory	ADJ
framr-4075	503	3	framework	framework	NOUN
framr-4075	503	4	the	the	DET
framr-4075	503	5	regulatory	regulatory	ADJ
framr-4075	503	6	landscape	landscape	NOUN
framr-4075	503	7	for	for	ADP
framr-4075	503	8	fintech	fintech	NOUN
framr-4075	503	9	and	and	CCONJ
framr-4075	503	10	financial	financial	ADJ
framr-4075	503	11	crimes	crime	NOUN
framr-4075	503	12	is	be	AUX
framr-4075	503	13	complex	complex	ADJ
framr-4075	503	14	and	and	CCONJ
framr-4075	503	15	multifaceted	multifaceted	ADJ
framr-4075	503	16	,	,	PUNCT
framr-4075	503	17	with	with	ADP
framr-4075	503	18	numerous	numerous	ADJ
framr-4075	503	19	laws	law	NOUN
framr-4075	503	20	and	and	CCONJ
framr-4075	503	21	regulations	regulation	NOUN
framr-4075	503	22	designed	design	VERB
framr-4075	503	23	to	to	PART
framr-4075	503	24	maintain	maintain	VERB
framr-4075	503	25	economic	economic	ADJ
framr-4075	503	26	stability	stability	NOUN
framr-4075	503	27	,	,	PUNCT
framr-4075	503	28	protect	protect	VERB
framr-4075	503	29	end	end	NOUN
framr-4075	503	30	-	-	PUNCT
framr-4075	503	31	users	user	NOUN
framr-4075	503	32	,	,	PUNCT
framr-4075	503	33	and	and	CCONJ
framr-4075	503	34	prevent	prevent	VERB
framr-4075	503	35	illicit	illicit	ADJ
framr-4075	503	36	activities	activity	NOUN
framr-4075	503	37	.	.	PUNCT
framr-4075	504	1	in	in	ADP
framr-4075	504	2	the	the	DET
framr-4075	504	3	u.s	u.s	PROPN
framr-4075	504	4	.	.	PROPN
framr-4075	504	5	,	,	PUNCT
framr-4075	504	6	various	various	ADJ
framr-4075	504	7	agencies	agency	NOUN
framr-4075	504	8	have	have	VERB
framr-4075	504	9	regulatory	regulatory	ADJ
framr-4075	504	10	jurisdiction	jurisdiction	NOUN
framr-4075	504	11	.	.	PUNCT
framr-4075	505	1	these	these	DET
framr-4075	505	2	laws	law	NOUN
framr-4075	505	3	include	include	VERB
framr-4075	505	4	regulations	regulation	NOUN
framr-4075	505	5	that	that	PRON
framr-4075	505	6	can	can	AUX
framr-4075	505	7	lead	lead	VERB
framr-4075	505	8	to	to	ADP
framr-4075	505	9	technical	technical	ADJ
framr-4075	505	10	non	non	NOUN
framr-4075	505	11	-	-	NOUN
framr-4075	505	12	compliance	compliance	NOUN
framr-4075	505	13	,	,	PUNCT
framr-4075	505	14	such	such	ADJ
framr-4075	505	15	as	as	ADP
framr-4075	505	16	the	the	DET
framr-4075	505	17	anti	anti	ADJ
framr-4075	505	18	-	-	ADJ
framr-4075	505	19	money	money	ADJ
framr-4075	505	20	laundering	laundering	NOUN
framr-4075	505	21	(	(	PUNCT
framr-4075	505	22	aml	aml	NOUN
framr-4075	505	23	)	)	PUNCT
framr-4075	505	24	legislation	legislation	NOUN
framr-4075	505	25	,	,	PUNCT
framr-4075	505	26	exemplified	exemplify	VERB
framr-4075	505	27	by	by	ADP
framr-4075	505	28	the	the	DET
framr-4075	505	29	bank	bank	PROPN
framr-4075	505	30	secrecy	secrecy	NOUN
framr-4075	505	31	act	act	PROPN
framr-4075	505	32	and	and	CCONJ
framr-4075	505	33	the	the	DET
framr-4075	505	34	patriot	patriot	PROPN
framr-4075	505	35	act	act	PROPN
framr-4075	505	36	,	,	PUNCT
framr-4075	505	37	which	which	PRON
framr-4075	505	38	require	require	VERB
framr-4075	505	39	financial	financial	ADJ
framr-4075	505	40	institutions	institution	NOUN
framr-4075	505	41	to	to	PART
framr-4075	505	42	create	create	VERB
framr-4075	505	43	aml	aml	NOUN
framr-4075	505	44	programs	program	NOUN
framr-4075	505	45	and	and	CCONJ
framr-4075	505	46	report	report	VERB
framr-4075	505	47	suspicious	suspicious	ADJ
framr-4075	505	48	activities	activity	NOUN
framr-4075	505	49	.	.	PUNCT
framr-4075	506	1	the	the	DET
framr-4075	506	2	securities	securities	PROPN
framr-4075	506	3	and	and	CCONJ
framr-4075	506	4	exchange	exchange	PROPN
framr-4075	506	5	commission	commission	PROPN
framr-4075	506	6	(	(	PUNCT
framr-4075	506	7	sec	sec	PROPN
framr-4075	506	8	)	)	PUNCT
framr-4075	506	9	regulates	regulate	VERB
framr-4075	506	10	issues	issue	NOUN
framr-4075	506	11	surrounding	surround	VERB
framr-4075	506	12	securities	security	NOUN
framr-4075	506	13	,	,	PUNCT
framr-4075	506	14	while	while	SCONJ
framr-4075	506	15	the	the	DET
framr-4075	506	16	commodity	commodity	NOUN
framr-4075	506	17	futures	future	NOUN
framr-4075	506	18	trading	trading	PROPN
framr-4075	506	19	commission	commission	PROPN
framr-4075	506	20	(	(	PUNCT
framr-4075	506	21	cftc	cftc	PROPN
framr-4075	506	22	)	)	PUNCT
framr-4075	506	23	oversees	oversee	VERB
framr-4075	506	24	commodities	commodity	NOUN
framr-4075	506	25	.	.	PUNCT
framr-4075	507	1	additionally	additionally	ADV
framr-4075	507	2	,	,	PUNCT
framr-4075	507	3	the	the	DET
framr-4075	507	4	office	office	NOUN
framr-4075	507	5	of	of	ADP
framr-4075	507	6	the	the	DET
framr-4075	507	7	comptroller	comptroller	NOUN
framr-4075	507	8	of	of	ADP
framr-4075	507	9	the	the	DET
framr-4075	507	10	currency	currency	NOUN
framr-4075	507	11	(	(	PUNCT
framr-4075	507	12	occ	occ	X
framr-4075	507	13	)	)	PUNCT
framr-4075	507	14	supervises	supervise	VERB
framr-4075	507	15	all	all	DET
framr-4075	507	16	nationally	nationally	ADV
framr-4075	507	17	chartered	charter	VERB
framr-4075	507	18	banks	bank	NOUN
framr-4075	507	19	(	(	PUNCT
framr-4075	507	20	tran	tran	PROPN
framr-4075	507	21	&	&	CCONJ
framr-4075	507	22	kevin	kevin	PROPN
framr-4075	507	23	,	,	PUNCT
framr-4075	507	24	2023	2023	NUM
framr-4075	507	25	)	)	PUNCT
framr-4075	507	26	.	.	PUNCT
framr-4075	508	1	in	in	ADP
framr-4075	508	2	the	the	DET
framr-4075	508	3	e.u	e.u	PROPN
framr-4075	508	4	.	.	PUNCT
framr-4075	508	5	regulatory	regulatory	ADJ
framr-4075	508	6	environment	environment	NOUN
framr-4075	508	7	,	,	PUNCT
framr-4075	508	8	the	the	DET
framr-4075	508	9	market	market	NOUN
framr-4075	508	10	structure	structure	NOUN
framr-4075	508	11	is	be	AUX
framr-4075	508	12	defined	define	VERB
framr-4075	508	13	by	by	ADP
framr-4075	508	14	directives	directive	NOUN
framr-4075	508	15	like	like	ADP
framr-4075	508	16	the	the	DET
framr-4075	508	17	fifth	fifth	ADJ
framr-4075	508	18	anti	anti	ADJ
framr-4075	508	19	-	-	ADJ
framr-4075	508	20	money	money	ADJ
framr-4075	508	21	laundering	laundering	NOUN
framr-4075	508	22	directive	directive	NOUN
framr-4075	508	23	(	(	PUNCT
framr-4075	508	24	5amld	5amld	NUM
framr-4075	508	25	)	)	PUNCT
framr-4075	508	26	and	and	CCONJ
framr-4075	508	27	the	the	DET
framr-4075	508	28	markets	market	NOUN
framr-4075	508	29	in	in	ADP
framr-4075	508	30	financial	financial	ADJ
framr-4075	508	31	instruments	instrument	NOUN
framr-4075	508	32	directive	directive	NOUN
framr-4075	508	33	ii	ii	PROPN
framr-4075	508	34	(	(	PUNCT
framr-4075	508	35	mifid	mifid	PROPN
framr-4075	508	36	ii	ii	NOUN
framr-4075	508	37	)	)	PUNCT
framr-4075	508	38	.	.	PUNCT
framr-4075	509	1	these	these	DET
framr-4075	509	2	guidelines	guideline	NOUN
framr-4075	509	3	mandate	mandate	VERB
framr-4075	509	4	thorough	thorough	ADJ
framr-4075	509	5	customer	customer	NOUN
framr-4075	509	6	due	due	ADJ
framr-4075	509	7	diligence	diligence	NOUN
framr-4075	509	8	(	(	PUNCT
framr-4075	509	9	cdd	cdd	PROPN
framr-4075	509	10	)	)	PUNCT
framr-4075	509	11	and	and	CCONJ
framr-4075	509	12	reporting	reporting	NOUN
framr-4075	509	13	of	of	ADP
framr-4075	509	14	suspicious	suspicious	ADJ
framr-4075	509	15	activities	activity	NOUN
framr-4075	509	16	to	to	PART
framr-4075	509	17	prevent	prevent	VERB
framr-4075	509	18	money	money	NOUN
framr-4075	509	19	laundering	laundering	NOUN
framr-4075	509	20	and	and	CCONJ
framr-4075	509	21	terrorist	terrorist	ADJ
framr-4075	509	22	financing	financing	NOUN
framr-4075	509	23	.	.	PUNCT
framr-4075	510	1	furthermore	furthermore	ADV
framr-4075	510	2	,	,	PUNCT
framr-4075	510	3	the	the	DET
framr-4075	510	4	general	general	ADJ
framr-4075	510	5	data	data	PROPN
framr-4075	510	6	protection	protection	NOUN
framr-4075	510	7	regulation	regulation	NOUN
framr-4075	510	8	(	(	PUNCT
framr-4075	510	9	gdpr	gdpr	NOUN
framr-4075	510	10	)	)	PUNCT
framr-4075	510	11	tightly	tightly	ADV
framr-4075	510	12	regulates	regulate	VERB
framr-4075	510	13	data	data	NOUN
framr-4075	510	14	protection	protection	NOUN
framr-4075	510	15	and	and	CCONJ
framr-4075	510	16	privacy	privacy	NOUN
framr-4075	510	17	(	(	PUNCT
framr-4075	510	18	global	global	ADJ
framr-4075	510	19	legal	legal	ADJ
framr-4075	510	20	insights	insight	NOUN
framr-4075	510	21	,	,	PUNCT
framr-4075	510	22	2023	2023	NUM
framr-4075	510	23	)	)	PUNCT
framr-4075	510	24	.	.	PUNCT
framr-4075	511	1	the	the	DET
framr-4075	511	2	regulatory	regulatory	ADJ
framr-4075	511	3	framework	framework	NOUN
framr-4075	511	4	has	have	AUX
framr-4075	511	5	evolved	evolve	VERB
framr-4075	511	6	post	post	ADJ
framr-4075	511	7	-	-	NOUN
framr-4075	511	8	brexit	brexit	ADJ
framr-4075	511	9	by	by	ADP
framr-4075	511	10	introducing	introduce	VERB
framr-4075	511	11	the	the	DET
framr-4075	511	12	financial	financial	ADJ
framr-4075	511	13	services	service	NOUN
framr-4075	511	14	and	and	CCONJ
framr-4075	511	15	markets	market	NOUN
framr-4075	511	16	act	act	VERB
framr-4075	511	17	2023	2023	NUM
framr-4075	511	18	,	,	PUNCT
framr-4075	511	19	replacing	replace	VERB
framr-4075	511	20	retained	retain	VERB
framr-4075	511	21	e.u	e.u	PROPN
framr-4075	511	22	.	.	PUNCT
framr-4075	511	23	laws	law	NOUN
framr-4075	511	24	with	with	ADP
framr-4075	511	25	bespoke	bespoke	PROPN
framr-4075	511	26	u.k	u.k	PROPN
framr-4075	511	27	.	.	PROPN
framr-4075	511	28	legislation	legislation	NOUN
framr-4075	511	29	.	.	PUNCT
framr-4075	512	1	the	the	DET
framr-4075	512	2	financial	financial	ADJ
framr-4075	512	3	conduct	conduct	NOUN
framr-4075	512	4	authority	authority	NOUN
framr-4075	512	5	(	(	PUNCT
framr-4075	512	6	fca	fca	PROPN
framr-4075	512	7	)	)	PUNCT
framr-4075	512	8	and	and	CCONJ
framr-4075	512	9	the	the	DET
framr-4075	512	10	prudential	prudential	ADJ
framr-4075	512	11	regulation	regulation	PROPN
framr-4075	512	12	authority	authority	NOUN
framr-4075	512	13	(	(	PUNCT
framr-4075	512	14	pra	pra	PROPN
framr-4075	512	15	)	)	PUNCT
framr-4075	512	16	enforce	enforce	VERB
framr-4075	512	17	compliance	compliance	NOUN
framr-4075	512	18	and	and	CCONJ
framr-4075	512	19	ensure	ensure	VERB
framr-4075	512	20	financial	financial	ADJ
framr-4075	512	21	stability	stability	NOUN
framr-4075	512	22	.	.	PUNCT
framr-4075	513	1	the	the	DET
framr-4075	513	2	money	money	NOUN
framr-4075	513	3	laundering	laundering	NOUN
framr-4075	513	4	,	,	PUNCT
framr-4075	513	5	terrorist	terrorist	ADJ
framr-4075	513	6	financing	financing	NOUN
framr-4075	513	7	and	and	CCONJ
framr-4075	513	8	transfer	transfer	NOUN
framr-4075	513	9	of	of	ADP
framr-4075	513	10	funds	fund	NOUN
framr-4075	513	11	(	(	PUNCT
framr-4075	513	12	information	information	NOUN
framr-4075	513	13	on	on	ADP
framr-4075	513	14	the	the	DET
framr-4075	513	15	payer	payer	NOUN
framr-4075	513	16	)	)	PUNCT
framr-4075	513	17	regulations	regulation	NOUN
framr-4075	513	18	2017	2017	NUM
framr-4075	513	19	(	(	PUNCT
framr-4075	513	20	as	as	SCONJ
framr-4075	513	21	amended	amend	VERB
framr-4075	513	22	in	in	ADP
framr-4075	513	23	2020	2020	NUM
framr-4075	513	24	)	)	PUNCT
framr-4075	513	25	ensure	ensure	VERB
framr-4075	513	26	that	that	SCONJ
framr-4075	513	27	uk	uk	PROPN
framr-4075	513	28	aml	aml	PROPN
framr-4075	513	29	laws	law	NOUN
framr-4075	513	30	comply	comply	VERB
framr-4075	513	31	with	with	ADP
framr-4075	513	32	international	international	ADJ
framr-4075	513	33	fatf	fatf	NOUN
framr-4075	513	34	standards	standard	NOUN
framr-4075	513	35	(	(	PUNCT
framr-4075	513	36	gov.uk	gov.uk	PROPN
framr-4075	513	37	,	,	PUNCT
framr-4075	513	38	2023	2023	NUM
framr-4075	513	39	)	)	PUNCT
framr-4075	513	40	.	.	PUNCT
framr-4075	514	1	table	table	NOUN
framr-4075	514	2	2	2	NUM
framr-4075	514	3	represents	represent	VERB
framr-4075	514	4	the	the	DET
framr-4075	514	5	summary	summary	NOUN
framr-4075	514	6	of	of	ADP
framr-4075	514	7	nations	nation	NOUN
framr-4075	514	8	,	,	PUNCT
framr-4075	514	9	including	include	VERB
framr-4075	514	10	the	the	DET
framr-4075	514	11	usa	usa	PROPN
framr-4075	514	12	,	,	PUNCT
framr-4075	514	13	european	european	PROPN
framr-4075	514	14	union	union	PROPN
framr-4075	514	15	,	,	PUNCT
framr-4075	514	16	and	and	CCONJ
framr-4075	514	17	united	united	ADJ
framr-4075	514	18	kingdom	kingdom	PROPN
framr-4075	514	19	,	,	PUNCT
framr-4075	514	20	that	that	PRON
framr-4075	514	21	have	have	VERB
framr-4075	514	22	enough	enough	ADJ
framr-4075	514	23	regulations	regulation	NOUN
framr-4075	514	24	and	and	CCONJ
framr-4075	514	25	regulatory	regulatory	ADJ
framr-4075	514	26	forces	force	NOUN
framr-4075	514	27	to	to	PART
framr-4075	514	28	prevent	prevent	VERB
framr-4075	514	29	financial	financial	ADJ
framr-4075	514	30	crimes	crime	NOUN
framr-4075	514	31	.	.	PUNCT
framr-4075	515	1	table	table	NOUN
framr-4075	515	2	2	2	NUM
framr-4075	515	3	.	.	PUNCT
framr-4075	515	4	key	key	ADJ
framr-4075	515	5	regulations	regulation	NOUN
framr-4075	515	6	and	and	CCONJ
framr-4075	515	7	regulatory	regulatory	ADJ
framr-4075	515	8	bodies	body	NOUN
framr-4075	515	9	governing	govern	VERB
framr-4075	515	10	fintech	fintech	NOUN
framr-4075	515	11	and	and	CCONJ
framr-4075	515	12	financial	financial	ADJ
framr-4075	515	13	crimes	crime	NOUN
framr-4075	515	14	.	.	PUNCT
framr-4075	516	1	region	region	NOUN
framr-4075	516	2	key	key	PROPN
framr-4075	516	3	regulations	regulation	NOUN
framr-4075	516	4	regulatory	regulatory	ADJ
framr-4075	516	5	bodies	body	NOUN
framr-4075	516	6	description	description	NOUN
framr-4075	516	7	united	united	PROPN
framr-4075	516	8	states	states	PROPN
framr-4075	516	9	bank	bank	PROPN
framr-4075	516	10	secrecy	secrecy	PROPN
framr-4075	516	11	act	act	PROPN
framr-4075	516	12	(	(	PUNCT
framr-4075	516	13	bsa	bsa	PROPN
framr-4075	516	14	)	)	PUNCT
framr-4075	516	15	financial	financial	ADJ
framr-4075	516	16	crimes	crime	NOUN
framr-4075	516	17	enforcement	enforcement	NOUN
framr-4075	516	18	network	network	NOUN
framr-4075	516	19	(	(	PUNCT
framr-4075	516	20	fincen	fincen	PROPN
framr-4075	516	21	)	)	PUNCT
framr-4075	516	22	requires	require	VERB
framr-4075	516	23	financial	financial	ADJ
framr-4075	516	24	institutions	institution	NOUN
framr-4075	516	25	to	to	PART
framr-4075	516	26	implement	implement	VERB
framr-4075	516	27	aml	aml	NOUN
framr-4075	516	28	programs	program	NOUN
framr-4075	516	29	and	and	CCONJ
framr-4075	516	30	report	report	VERB
framr-4075	516	31	suspicious	suspicious	ADJ
framr-4075	516	32	activities	activity	NOUN
framr-4075	516	33	.	.	PUNCT
framr-4075	517	1	united	united	PROPN
framr-4075	517	2	states	states	PROPN
framr-4075	517	3	usa	usa	PROPN
framr-4075	517	4	patriot	patriot	PROPN
framr-4075	517	5	act	act	PROPN
framr-4075	517	6	fincen	fincen	PROPN
framr-4075	517	7	,	,	PUNCT
framr-4075	517	8	sec	sec	PROPN
framr-4075	517	9	,	,	PUNCT
framr-4075	517	10	cftc	cftc	PROPN
framr-4075	517	11	,	,	PUNCT
framr-4075	517	12	occ	occ	PROPN
framr-4075	517	13	expands	expand	VERB
framr-4075	517	14	aml	aml	NOUN
framr-4075	517	15	requirements	requirement	NOUN
framr-4075	517	16	,	,	PUNCT
framr-4075	517	17	including	include	VERB
framr-4075	517	18	mandatory	mandatory	ADJ
framr-4075	517	19	information	information	NOUN
framr-4075	517	20	sharing	sharing	NOUN
framr-4075	517	21	and	and	CCONJ
framr-4075	517	22	enhanced	enhance	VERB
framr-4075	517	23	due	due	ADJ
framr-4075	517	24	diligence	diligence	NOUN
framr-4075	517	25	.	.	PUNCT
framr-4075	518	1	united	united	PROPN
framr-4075	518	2	states	states	PROPN
framr-4075	518	3	securities	securities	PROPN
framr-4075	518	4	act	act	PROPN
framr-4075	518	5	securities	securities	PROPN
framr-4075	518	6	and	and	CCONJ
framr-4075	518	7	exchange	exchange	PROPN
framr-4075	518	8	commission	commission	PROPN
framr-4075	518	9	(	(	PUNCT
framr-4075	518	10	sec	sec	PROPN
framr-4075	518	11	)	)	PUNCT
framr-4075	518	12	regulates	regulate	VERB
framr-4075	518	13	the	the	DET
framr-4075	518	14	securities	security	NOUN
framr-4075	518	15	market	market	NOUN
framr-4075	518	16	,	,	PUNCT
framr-4075	518	17	including	include	VERB
framr-4075	518	18	initial	initial	ADJ
framr-4075	518	19	public	public	ADJ
framr-4075	518	20	offerings	offering	NOUN
framr-4075	518	21	(	(	PUNCT
framr-4075	518	22	ipos	ipos	NOUN
framr-4075	518	23	)	)	PUNCT
framr-4075	518	24	and	and	CCONJ
framr-4075	518	25	securities	security	NOUN
framr-4075	518	26	trading	trading	NOUN
framr-4075	518	27	.	.	PUNCT
framr-4075	519	1	united	united	PROPN
framr-4075	519	2	states	states	PROPN
framr-4075	519	3	commodity	commodity	PROPN
framr-4075	519	4	exchange	exchange	PROPN
framr-4075	519	5	act	act	PROPN
framr-4075	519	6	commodity	commodity	PROPN
framr-4075	519	7	futures	futures	PROPN
framr-4075	519	8	trading	trading	PROPN
framr-4075	519	9	commission	commission	PROPN
framr-4075	519	10	(	(	PUNCT
framr-4075	519	11	cftc	cftc	PROPN
framr-4075	519	12	)	)	PUNCT
framr-4075	519	13	oversees	oversee	VERB
framr-4075	519	14	the	the	DET
framr-4075	519	15	trading	trading	NOUN
framr-4075	519	16	of	of	ADP
framr-4075	519	17	commodity	commodity	NOUN
framr-4075	519	18	futures	future	NOUN
framr-4075	519	19	and	and	CCONJ
framr-4075	519	20	options	option	NOUN
framr-4075	519	21	markets	market	NOUN
framr-4075	519	22	.	.	PUNCT
framr-4075	520	1	united	united	PROPN
framr-4075	520	2	states	states	PROPN
framr-4075	520	3	office	office	PROPN
framr-4075	520	4	of	of	ADP
framr-4075	520	5	the	the	DET
framr-4075	520	6	comptroller	comptroller	NOUN
framr-4075	520	7	of	of	ADP
framr-4075	520	8	the	the	DET
framr-4075	520	9	currency	currency	NOUN
framr-4075	520	10	(	(	PUNCT
framr-4075	520	11	occ	occ	NOUN
framr-4075	520	12	)	)	PUNCT
framr-4075	520	13	office	office	NOUN
framr-4075	520	14	of	of	ADP
framr-4075	520	15	the	the	DET
framr-4075	520	16	comptroller	comptroller	NOUN
framr-4075	520	17	of	of	ADP
framr-4075	520	18	the	the	DET
framr-4075	520	19	currency	currency	NOUN
framr-4075	520	20	(	(	PUNCT
framr-4075	520	21	occ	occ	PROPN
framr-4075	520	22	)	)	PUNCT
framr-4075	520	23	supervises	supervise	VERB
framr-4075	520	24	national	national	ADJ
framr-4075	520	25	banks	bank	NOUN
framr-4075	520	26	and	and	CCONJ
framr-4075	520	27	federal	federal	ADJ
framr-4075	520	28	savings	saving	NOUN
framr-4075	520	29	associations	association	NOUN
framr-4075	520	30	,	,	PUNCT
framr-4075	520	31	ensuring	ensure	VERB
framr-4075	520	32	safe	safe	ADJ
framr-4075	520	33	and	and	CCONJ
framr-4075	520	34	sound	sound	ADJ
framr-4075	520	35	operations	operation	NOUN
framr-4075	520	36	.	.	PUNCT
framr-4075	521	1	european	european	PROPN
framr-4075	521	2	union	union	PROPN
framr-4075	521	3	fifth	fifth	ADJ
framr-4075	521	4	anti	anti	ADJ
framr-4075	521	5	-	-	ADJ
framr-4075	521	6	money	money	ADJ
framr-4075	521	7	laundering	laundering	NOUN
framr-4075	521	8	directive	directive	NOUN
framr-4075	521	9	(	(	PUNCT
framr-4075	521	10	5amld	5amld	NUM
framr-4075	521	11	)	)	PUNCT
framr-4075	521	12	european	european	PROPN
framr-4075	521	13	commission	commission	PROPN
framr-4075	521	14	,	,	PUNCT
framr-4075	521	15	european	european	ADJ
framr-4075	521	16	banking	banking	NOUN
framr-4075	521	17	authority	authority	PROPN
framr-4075	521	18	(	(	PUNCT
framr-4075	521	19	eba	eba	NOUN
framr-4075	521	20	)	)	PUNCT
framr-4075	521	21	enhances	enhance	VERB
framr-4075	521	22	cdd	cdd	PROPN
framr-4075	521	23	requirements	requirement	NOUN
framr-4075	521	24	and	and	CCONJ
framr-4075	521	25	reporting	report	VERB
framr-4075	521	26	mechanisms	mechanism	NOUN
framr-4075	521	27	to	to	PART
framr-4075	521	28	combat	combat	VERB
framr-4075	521	29	money	money	NOUN
framr-4075	521	30	laundering	laundering	NOUN
framr-4075	521	31	and	and	CCONJ
framr-4075	521	32	terrorist	terrorist	ADJ
framr-4075	521	33	financing	financing	NOUN
framr-4075	521	34	.	.	PUNCT
framr-4075	522	1	financial	financial	ADJ
framr-4075	522	2	risk	risk	NOUN
framr-4075	522	3	and	and	CCONJ
framr-4075	522	4	management	management	NOUN
framr-4075	522	5	reviews	review	NOUN
framr-4075	522	6	,	,	PUNCT
framr-4075	522	7	2025	2025	NUM
framr-4075	522	8	,	,	PUNCT
framr-4075	522	9	11(1	11(1	NUM
framr-4075	522	10	):	):	PUNCT
framr-4075	522	11	1	1	NUM
framr-4075	522	12	-	-	SYM
framr-4075	522	13	36	36	NUM
framr-4075	522	14	20	20	NUM
framr-4075	522	15	©	©	PROPN
framr-4075	522	16	2025	2025	NUM
framr-4075	522	17	conscientia	conscientia	PROPN
framr-4075	522	18	beam	beam	PROPN
framr-4075	522	19	.	.	PUNCT
framr-4075	523	1	all	all	DET
framr-4075	523	2	rights	right	NOUN
framr-4075	523	3	reserved	reserve	VERB
framr-4075	523	4	.	.	PUNCT
framr-4075	524	1	region	region	NOUN
framr-4075	524	2	key	key	PROPN
framr-4075	524	3	regulations	regulation	NOUN
framr-4075	524	4	regulatory	regulatory	ADJ
framr-4075	524	5	bodies	body	NOUN
framr-4075	524	6	description	description	NOUN
framr-4075	524	7	european	european	PROPN
framr-4075	524	8	union	union	PROPN
framr-4075	524	9	markets	market	NOUN
framr-4075	524	10	in	in	ADP
framr-4075	524	11	financial	financial	ADJ
framr-4075	524	12	instruments	instrument	NOUN
framr-4075	524	13	directive	directive	NOUN
framr-4075	524	14	ii	ii	PROPN
framr-4075	524	15	(	(	PUNCT
framr-4075	524	16	mifid	mifid	PROPN
framr-4075	524	17	ii	ii	NOUN
framr-4075	524	18	)	)	PUNCT
framr-4075	524	19	european	european	ADJ
framr-4075	524	20	securities	security	NOUN
framr-4075	524	21	and	and	CCONJ
framr-4075	524	22	markets	market	NOUN
framr-4075	524	23	authority	authority	NOUN
framr-4075	524	24	(	(	PUNCT
framr-4075	524	25	esma	esma	PROPN
framr-4075	524	26	)	)	PUNCT
framr-4075	524	27	regulates	regulate	VERB
framr-4075	524	28	financial	financial	ADJ
framr-4075	524	29	markets	market	NOUN
framr-4075	524	30	,	,	PUNCT
framr-4075	524	31	ensuring	ensure	VERB
framr-4075	524	32	transparency	transparency	NOUN
framr-4075	524	33	and	and	CCONJ
framr-4075	524	34	investor	investor	NOUN
framr-4075	524	35	protection	protection	NOUN
framr-4075	524	36	.	.	PUNCT
framr-4075	525	1	european	european	PROPN
framr-4075	525	2	union	union	PROPN
framr-4075	525	3	general	general	PROPN
framr-4075	525	4	data	data	PROPN
framr-4075	525	5	protection	protection	PROPN
framr-4075	525	6	regulation	regulation	NOUN
framr-4075	525	7	(	(	PUNCT
framr-4075	525	8	gdpr	gdpr	ADJ
framr-4075	525	9	)	)	PUNCT
framr-4075	525	10	european	european	PROPN
framr-4075	525	11	data	data	PROPN
framr-4075	525	12	protection	protection	PROPN
framr-4075	525	13	board	board	PROPN
framr-4075	525	14	(	(	PUNCT
framr-4075	525	15	edpb	edpb	PROPN
framr-4075	525	16	)	)	PUNCT
framr-4075	525	17	,	,	PUNCT
framr-4075	525	18	national	national	PROPN
framr-4075	525	19	data	data	PROPN
framr-4075	525	20	protection	protection	NOUN
framr-4075	525	21	authorities	authority	NOUN
framr-4075	525	22	(	(	PUNCT
framr-4075	525	23	dpas	dpa	NOUN
framr-4075	525	24	)	)	PUNCT
framr-4075	525	25	sets	set	VERB
framr-4075	525	26	stringent	stringent	ADJ
framr-4075	525	27	guidelines	guideline	NOUN
framr-4075	525	28	on	on	ADP
framr-4075	525	29	data	datum	NOUN
framr-4075	525	30	protection	protection	NOUN
framr-4075	525	31	and	and	CCONJ
framr-4075	525	32	privacy	privacy	NOUN
framr-4075	525	33	,	,	PUNCT
framr-4075	525	34	impacting	impact	VERB
framr-4075	525	35	how	how	SCONJ
framr-4075	525	36	financial	financial	ADJ
framr-4075	525	37	institutions	institution	NOUN
framr-4075	525	38	handle	handle	VERB
framr-4075	525	39	customer	customer	NOUN
framr-4075	525	40	data	data	PROPN
framr-4075	525	41	.	.	PUNCT
framr-4075	526	1	united	united	PROPN
framr-4075	526	2	kingdom	kingdom	PROPN
framr-4075	526	3	financial	financial	PROPN
framr-4075	526	4	services	service	NOUN
framr-4075	526	5	and	and	CCONJ
framr-4075	526	6	markets	market	NOUN
framr-4075	526	7	act	act	VERB
framr-4075	526	8	2023	2023	NUM
framr-4075	526	9	financial	financial	ADJ
framr-4075	526	10	conduct	conduct	NOUN
framr-4075	526	11	authority	authority	NOUN
framr-4075	526	12	(	(	PUNCT
framr-4075	526	13	fca	fca	PROPN
framr-4075	526	14	)	)	PUNCT
framr-4075	526	15	,	,	PUNCT
framr-4075	526	16	prudential	prudential	PROPN
framr-4075	526	17	regulation	regulation	NOUN
framr-4075	526	18	authority	authority	NOUN
framr-4075	526	19	(	(	PUNCT
framr-4075	526	20	pra	pra	PROPN
framr-4075	526	21	)	)	PUNCT
framr-4075	526	22	replaces	replace	VERB
framr-4075	526	23	retained	retain	VERB
framr-4075	526	24	eu	eu	PROPN
framr-4075	526	25	laws	law	NOUN
framr-4075	526	26	with	with	ADP
framr-4075	526	27	uk	uk	PROPN
framr-4075	526	28	-	-	PUNCT
framr-4075	526	29	specific	specific	ADJ
framr-4075	526	30	regulations	regulation	NOUN
framr-4075	526	31	,	,	PUNCT
framr-4075	526	32	ensuring	ensure	VERB
framr-4075	526	33	compliance	compliance	NOUN
framr-4075	526	34	and	and	CCONJ
framr-4075	526	35	financial	financial	ADJ
framr-4075	526	36	stability	stability	NOUN
framr-4075	526	37	post	post	NOUN
framr-4075	526	38	-	-	NOUN
framr-4075	526	39	brexit	brexit	ADJ
framr-4075	526	40	.	.	PUNCT
framr-4075	527	1	united	united	PROPN
framr-4075	527	2	kingdom	kingdom	PROPN
framr-4075	527	3	money	money	NOUN
framr-4075	527	4	laundering	laundering	NOUN
framr-4075	527	5	,	,	PUNCT
framr-4075	527	6	terrorist	terrorist	ADJ
framr-4075	527	7	financing	financing	NOUN
framr-4075	527	8	and	and	CCONJ
framr-4075	527	9	transfer	transfer	NOUN
framr-4075	527	10	of	of	ADP
framr-4075	527	11	funds	fund	NOUN
framr-4075	527	12	(	(	PUNCT
framr-4075	527	13	information	information	NOUN
framr-4075	527	14	on	on	ADP
framr-4075	527	15	the	the	DET
framr-4075	527	16	payer	payer	NOUN
framr-4075	527	17	)	)	PUNCT
framr-4075	527	18	regulations	regulation	NOUN
framr-4075	527	19	2017	2017	NUM
framr-4075	527	20	(	(	PUNCT
framr-4075	527	21	updated	update	VERB
framr-4075	527	22	2020	2020	NUM
framr-4075	527	23	)	)	PUNCT
framr-4075	527	24	fca	fca	PROPN
framr-4075	527	25	,	,	PUNCT
framr-4075	527	26	pra	pra	PROPN
framr-4075	527	27	aligns	align	VERB
framr-4075	527	28	uk	uk	PROPN
framr-4075	527	29	aml	aml	PROPN
framr-4075	527	30	laws	law	NOUN
framr-4075	527	31	with	with	ADP
framr-4075	527	32	international	international	ADJ
framr-4075	527	33	standards	standard	NOUN
framr-4075	527	34	set	set	VERB
framr-4075	527	35	by	by	ADP
framr-4075	527	36	fatf	fatf	NOUN
framr-4075	527	37	,	,	PUNCT
framr-4075	527	38	incorporating	incorporate	VERB
framr-4075	527	39	enhanced	enhance	VERB
framr-4075	527	40	due	due	ADJ
framr-4075	527	41	diligence	diligence	NOUN
framr-4075	527	42	and	and	CCONJ
framr-4075	527	43	reporting	reporting	NOUN
framr-4075	527	44	requirements	requirement	NOUN
framr-4075	527	45	.	.	PUNCT
framr-4075	528	1	united	united	PROPN
framr-4075	528	2	kingdom	kingdom	PROPN
framr-4075	528	3	general	general	PROPN
framr-4075	528	4	data	data	PROPN
framr-4075	528	5	protection	protection	PROPN
framr-4075	528	6	regulation	regulation	NOUN
framr-4075	528	7	(	(	PUNCT
framr-4075	528	8	gdpr	gdpr	NOUN
framr-4075	528	9	)	)	PUNCT
framr-4075	528	10	information	information	NOUN
framr-4075	528	11	commissioner	commissioner	NOUN
framr-4075	528	12	's	's	PART
framr-4075	528	13	office	office	NOUN
framr-4075	528	14	(	(	PUNCT
framr-4075	528	15	ico	ico	PROPN
framr-4075	528	16	)	)	PUNCT
framr-4075	528	17	although	although	SCONJ
framr-4075	528	18	brexit	brexit	NOUN
framr-4075	528	19	has	have	AUX
framr-4075	528	20	led	lead	VERB
framr-4075	528	21	to	to	ADP
framr-4075	528	22	uk	uk	PROPN
framr-4075	528	23	gdpr	gdpr	PROPN
framr-4075	528	24	,	,	PUNCT
framr-4075	528	25	the	the	DET
framr-4075	528	26	principles	principle	NOUN
framr-4075	528	27	remain	remain	VERB
framr-4075	528	28	largely	largely	ADV
framr-4075	528	29	consistent	consistent	ADJ
framr-4075	528	30	with	with	ADP
framr-4075	528	31	eu	eu	PROPN
framr-4075	528	32	gdpr	gdpr	PROPN
framr-4075	528	33	,	,	PUNCT
framr-4075	528	34	ensuring	ensure	VERB
framr-4075	528	35	high	high	ADJ
framr-4075	528	36	standards	standard	NOUN
framr-4075	528	37	of	of	ADP
framr-4075	528	38	data	datum	NOUN
framr-4075	528	39	protection	protection	NOUN
framr-4075	528	40	and	and	CCONJ
framr-4075	528	41	privacy	privacy	NOUN
framr-4075	528	42	.	.	PUNCT
framr-4075	529	1	united	united	PROPN
framr-4075	529	2	kingdom	kingdom	PROPN
framr-4075	529	3	payment	payment	NOUN
framr-4075	529	4	services	service	NOUN
framr-4075	529	5	regulations	regulation	NOUN
framr-4075	529	6	2017	2017	NUM
framr-4075	529	7	fca	fca	PROPN
framr-4075	529	8	implements	implement	VERB
framr-4075	529	9	the	the	DET
framr-4075	529	10	eu	eu	PROPN
framr-4075	529	11	’s	’s	PART
framr-4075	529	12	second	second	ADJ
framr-4075	529	13	payment	payment	NOUN
framr-4075	529	14	services	service	NOUN
framr-4075	529	15	directive	directive	NOUN
framr-4075	529	16	(	(	PUNCT
framr-4075	529	17	psd2	psd2	PROPN
framr-4075	529	18	)	)	PUNCT
framr-4075	529	19	,	,	PUNCT
framr-4075	529	20	promoting	promote	VERB
framr-4075	529	21	competition	competition	NOUN
framr-4075	529	22	and	and	CCONJ
framr-4075	529	23	innovation	innovation	NOUN
framr-4075	529	24	while	while	SCONJ
framr-4075	529	25	enhancing	enhance	VERB
framr-4075	529	26	security	security	NOUN
framr-4075	529	27	in	in	ADP
framr-4075	529	28	electronic	electronic	ADJ
framr-4075	529	29	payments	payment	NOUN
framr-4075	529	30	.	.	PUNCT
framr-4075	530	1	7.2	7.2	NUM
framr-4075	530	2	.	.	PUNCT
framr-4075	531	1	emerging	emerge	VERB
framr-4075	531	2	regulatory	regulatory	ADJ
framr-4075	531	3	trends	trend	NOUN
framr-4075	531	4	the	the	DET
framr-4075	531	5	evolution	evolution	NOUN
framr-4075	531	6	of	of	ADP
framr-4075	531	7	fintech	fintech	NOUN
framr-4075	531	8	services	service	NOUN
framr-4075	531	9	has	have	AUX
framr-4075	531	10	been	be	AUX
framr-4075	531	11	unprecedented	unprecedented	ADJ
framr-4075	531	12	and	and	CCONJ
framr-4075	531	13	has	have	AUX
framr-4075	531	14	fostered	foster	VERB
framr-4075	531	15	the	the	DET
framr-4075	531	16	use	use	NOUN
framr-4075	531	17	of	of	ADP
framr-4075	531	18	dynamic	dynamic	ADJ
framr-4075	531	19	and	and	CCONJ
framr-4075	531	20	flexible	flexible	ADJ
framr-4075	531	21	regulatory	regulatory	ADJ
framr-4075	531	22	systems	system	NOUN
framr-4075	531	23	worldwide	worldwide	ADV
framr-4075	531	24	.	.	PUNCT
framr-4075	532	1	with	with	ADP
framr-4075	532	2	fintech	fintech	NOUN
framr-4075	532	3	becoming	become	VERB
framr-4075	532	4	increasingly	increasingly	ADV
framr-4075	532	5	popular	popular	ADJ
framr-4075	532	6	in	in	ADP
framr-4075	532	7	delivering	deliver	VERB
framr-4075	532	8	financial	financial	ADJ
framr-4075	532	9	services	service	NOUN
framr-4075	532	10	,	,	PUNCT
framr-4075	532	11	managing	manage	VERB
framr-4075	532	12	the	the	DET
framr-4075	532	13	associated	associated	ADJ
framr-4075	532	14	risks	risk	NOUN
framr-4075	532	15	has	have	AUX
framr-4075	532	16	become	become	VERB
framr-4075	532	17	paramount	paramount	ADJ
framr-4075	532	18	.	.	PUNCT
framr-4075	533	1	7.2.1	7.2.1	X
framr-4075	533	2	.	.	PUNCT
framr-4075	534	1	digital	digital	ADJ
framr-4075	534	2	assets	asset	NOUN
framr-4075	534	3	and	and	CCONJ
framr-4075	534	4	cryptocurrencies	cryptocurrencie	NOUN
framr-4075	534	5	with	with	ADP
framr-4075	534	6	the	the	DET
framr-4075	534	7	growing	grow	VERB
framr-4075	534	8	use	use	NOUN
framr-4075	534	9	of	of	ADP
framr-4075	534	10	digital	digital	ADJ
framr-4075	534	11	assets	asset	NOUN
framr-4075	534	12	like	like	ADP
framr-4075	534	13	bitcoins	bitcoin	NOUN
framr-4075	534	14	,	,	PUNCT
framr-4075	534	15	regulation	regulation	NOUN
framr-4075	534	16	is	be	AUX
framr-4075	534	17	the	the	DET
framr-4075	534	18	only	only	ADJ
framr-4075	534	19	available	available	ADJ
framr-4075	534	20	option	option	NOUN
framr-4075	534	21	to	to	PART
framr-4075	534	22	mitigate	mitigate	VERB
framr-4075	534	23	risks	risk	NOUN
framr-4075	534	24	and	and	CCONJ
framr-4075	534	25	issues	issue	NOUN
framr-4075	534	26	such	such	ADJ
framr-4075	534	27	as	as	ADP
framr-4075	534	28	fraud	fraud	NOUN
framr-4075	534	29	,	,	PUNCT
framr-4075	534	30	malpractice	malpractice	NOUN
framr-4075	534	31	,	,	PUNCT
framr-4075	534	32	market	market	NOUN
framr-4075	534	33	manipulation	manipulation	NOUN
framr-4075	534	34	,	,	PUNCT
framr-4075	534	35	and	and	CCONJ
framr-4075	534	36	financial	financial	ADJ
framr-4075	534	37	volatility	volatility	NOUN
framr-4075	534	38	.	.	PUNCT
framr-4075	535	1	in	in	ADP
framr-4075	535	2	the	the	DET
framr-4075	535	3	united	united	PROPN
framr-4075	535	4	states	states	PROPN
framr-4075	535	5	,	,	PUNCT
framr-4075	535	6	distinct	distinct	ADJ
framr-4075	535	7	federal	federal	ADJ
framr-4075	535	8	authorities	authority	NOUN
framr-4075	535	9	such	such	ADJ
framr-4075	535	10	as	as	ADP
framr-4075	535	11	the	the	DET
framr-4075	535	12	security	security	NOUN
framr-4075	535	13	exchange	exchange	NOUN
framr-4075	535	14	commissions	commission	NOUN
framr-4075	535	15	(	(	PUNCT
framr-4075	535	16	sec	sec	PROPN
framr-4075	535	17	)	)	PUNCT
framr-4075	535	18	and	and	CCONJ
framr-4075	535	19	the	the	DET
framr-4075	535	20	commodity	commodity	NOUN
framr-4075	535	21	futures	futures	PROPN
framr-4075	535	22	trading	trading	PROPN
framr-4075	535	23	commission	commission	PROPN
framr-4075	535	24	(	(	PUNCT
framr-4075	535	25	cftc	cftc	PROPN
framr-4075	535	26	)	)	PUNCT
framr-4075	535	27	play	play	VERB
framr-4075	535	28	a	a	DET
framr-4075	535	29	crucial	crucial	ADJ
framr-4075	535	30	role	role	NOUN
framr-4075	535	31	in	in	ADP
framr-4075	535	32	overseeing	oversee	VERB
framr-4075	535	33	the	the	DET
framr-4075	535	34	crypto	crypto	NOUN
framr-4075	535	35	assets	asset	NOUN
framr-4075	535	36	category	category	NOUN
framr-4075	535	37	.	.	PUNCT
framr-4075	536	1	the	the	DET
framr-4075	536	2	sec	sec	PROPN
framr-4075	536	3	is	be	AUX
framr-4075	536	4	responsible	responsible	ADJ
framr-4075	536	5	for	for	ADP
framr-4075	536	6	the	the	DET
framr-4075	536	7	securities	security	NOUN
framr-4075	536	8	aspect	aspect	NOUN
framr-4075	536	9	,	,	PUNCT
framr-4075	536	10	investor	investor	NOUN
framr-4075	536	11	protection	protection	NOUN
framr-4075	536	12	,	,	PUNCT
framr-4075	536	13	and	and	CCONJ
framr-4075	536	14	overall	overall	ADJ
framr-4075	536	15	market	market	NOUN
framr-4075	536	16	protection	protection	NOUN
framr-4075	536	17	,	,	PUNCT
framr-4075	536	18	while	while	SCONJ
framr-4075	536	19	the	the	DET
framr-4075	536	20	cftc	cftc	PROPN
framr-4075	536	21	regulates	regulate	VERB
framr-4075	536	22	the	the	DET
framr-4075	536	23	derivatives	derivative	NOUN
framr-4075	536	24	and	and	CCONJ
framr-4075	536	25	commodities	commodity	NOUN
framr-4075	536	26	segment	segment	NOUN
framr-4075	536	27	.	.	PUNCT
framr-4075	537	1	in	in	ADP
framr-4075	537	2	the	the	DET
framr-4075	537	3	eu	eu	PROPN
framr-4075	537	4	context	context	NOUN
framr-4075	537	5	,	,	PUNCT
framr-4075	537	6	the	the	DET
framr-4075	537	7	proposed	propose	VERB
framr-4075	537	8	markets	market	NOUN
framr-4075	537	9	in	in	ADP
framr-4075	537	10	crypto	crypto	NOUN
framr-4075	537	11	-	-	NOUN
framr-4075	537	12	assets	asset	NOUN
framr-4075	537	13	(	(	PUNCT
framr-4075	537	14	mica	mica	NOUN
framr-4075	537	15	)	)	PUNCT
framr-4075	537	16	regulation	regulation	NOUN
framr-4075	537	17	has	have	AUX
framr-4075	537	18	been	be	AUX
framr-4075	537	19	designed	design	VERB
framr-4075	537	20	to	to	PART
framr-4075	537	21	create	create	VERB
framr-4075	537	22	a	a	DET
framr-4075	537	23	constructive	constructive	ADJ
framr-4075	537	24	legal	legal	ADJ
framr-4075	537	25	framework	framework	NOUN
framr-4075	537	26	for	for	ADP
framr-4075	537	27	digital	digital	ADJ
framr-4075	537	28	assets	asset	NOUN
framr-4075	537	29	.	.	PUNCT
framr-4075	538	1	according	accord	VERB
framr-4075	538	2	to	to	ADP
framr-4075	538	3	tran	tran	PROPN
framr-4075	538	4	and	and	CCONJ
framr-4075	538	5	kevin	kevin	PROPN
framr-4075	538	6	(	(	PUNCT
framr-4075	538	7	2023	2023	NUM
framr-4075	538	8	)	)	PUNCT
framr-4075	538	9	mica	mica	NOUN
framr-4075	538	10	aims	aim	VERB
framr-4075	538	11	to	to	PART
framr-4075	538	12	offer	offer	VERB
framr-4075	538	13	more	more	ADV
framr-4075	538	14	explicit	explicit	ADJ
framr-4075	538	15	legal	legal	ADJ
framr-4075	538	16	specifications	specification	NOUN
framr-4075	538	17	,	,	PUNCT
framr-4075	538	18	propel	propel	VERB
framr-4075	538	19	innovation	innovation	NOUN
framr-4075	538	20	,	,	PUNCT
framr-4075	538	21	and	and	CCONJ
framr-4075	538	22	bolster	bolster	VERB
framr-4075	538	23	consumer	consumer	NOUN
framr-4075	538	24	protection	protection	NOUN
framr-4075	538	25	across	across	ADP
framr-4075	538	26	member	member	NOUN
framr-4075	538	27	states	state	NOUN
framr-4075	538	28	.	.	PUNCT
framr-4075	539	1	this	this	DET
framr-4075	539	2	regulation	regulation	NOUN
framr-4075	539	3	is	be	AUX
framr-4075	539	4	also	also	ADV
framr-4075	539	5	expected	expect	VERB
framr-4075	539	6	to	to	PART
framr-4075	539	7	reduce	reduce	VERB
framr-4075	539	8	fragmentation	fragmentation	NOUN
framr-4075	539	9	in	in	ADP
framr-4075	539	10	this	this	DET
framr-4075	539	11	area	area	NOUN
framr-4075	539	12	and	and	CCONJ
framr-4075	539	13	provide	provide	VERB
framr-4075	539	14	more	more	ADJ
framr-4075	539	15	certainty	certainty	NOUN
framr-4075	539	16	to	to	ADP
framr-4075	539	17	those	those	PRON
framr-4075	539	18	who	who	PRON
framr-4075	539	19	invest	invest	VERB
framr-4075	539	20	in	in	ADP
framr-4075	539	21	digital	digital	ADJ
framr-4075	539	22	assets	asset	NOUN
framr-4075	539	23	.	.	PUNCT
framr-4075	540	1	7.2.2	7.2.2	NUM
framr-4075	540	2	.	.	PUNCT
framr-4075	540	3	artificial	artificial	ADJ
framr-4075	540	4	intelligence	intelligence	NOUN
framr-4075	540	5	(	(	PUNCT
framr-4075	540	6	ai	ai	NOUN
framr-4075	540	7	)	)	PUNCT
framr-4075	540	8	and	and	CCONJ
framr-4075	540	9	machine	machine	NOUN
framr-4075	540	10	learning	learning	NOUN
framr-4075	540	11	adopting	adopt	VERB
framr-4075	540	12	ai	ai	INTJ
framr-4075	540	13	and	and	CCONJ
framr-4075	540	14	machine	machine	NOUN
framr-4075	540	15	learning	learning	NOUN
framr-4075	540	16	in	in	ADP
framr-4075	540	17	financial	financial	ADJ
framr-4075	540	18	services	service	NOUN
framr-4075	540	19	has	have	AUX
framr-4075	540	20	attracted	attract	VERB
framr-4075	540	21	controversy	controversy	NOUN
framr-4075	540	22	over	over	ADP
framr-4075	540	23	data	data	PROPN
framr-4075	540	24	privacy	privacy	NOUN
framr-4075	540	25	,	,	PUNCT
framr-4075	540	26	security	security	NOUN
framr-4075	540	27	,	,	PUNCT
framr-4075	540	28	and	and	CCONJ
framr-4075	540	29	the	the	DET
framr-4075	540	30	ethical	ethical	ADJ
framr-4075	540	31	implications	implication	NOUN
framr-4075	540	32	of	of	ADP
framr-4075	540	33	the	the	DET
framr-4075	540	34	algorithms	algorithm	NOUN
framr-4075	540	35	used	use	VERB
framr-4075	540	36	.	.	PUNCT
framr-4075	541	1	regulators	regulator	NOUN
framr-4075	541	2	are	be	AUX
framr-4075	541	3	not	not	PART
framr-4075	541	4	idle	idle	ADJ
framr-4075	541	5	;	;	PUNCT
framr-4075	541	6	they	they	PRON
framr-4075	541	7	are	be	AUX
framr-4075	541	8	actively	actively	ADV
framr-4075	541	9	working	work	VERB
framr-4075	541	10	to	to	PART
framr-4075	541	11	develop	develop	VERB
framr-4075	541	12	policies	policy	NOUN
framr-4075	541	13	and	and	CCONJ
framr-4075	541	14	standards	standard	NOUN
framr-4075	541	15	to	to	PART
framr-4075	541	16	prevent	prevent	VERB
framr-4075	541	17	the	the	DET
framr-4075	541	18	misuse	misuse	NOUN
framr-4075	541	19	of	of	ADP
framr-4075	541	20	ai	ai	NOUN
framr-4075	541	21	.	.	PUNCT
framr-4075	542	1	for	for	ADP
framr-4075	542	2	instance	instance	NOUN
framr-4075	542	3	,	,	PUNCT
framr-4075	542	4	the	the	DET
framr-4075	542	5	uk	uk	PROPN
framr-4075	542	6	government	government	NOUN
framr-4075	542	7	convened	convene	VERB
framr-4075	542	8	the	the	DET
framr-4075	542	9	ai	ai	PROPN
framr-4075	542	10	safety	safety	NOUN
framr-4075	542	11	summit	summit	NOUN
framr-4075	542	12	,	,	PUNCT
framr-4075	542	13	where	where	SCONJ
framr-4075	542	14	it	it	PRON
framr-4075	542	15	was	be	AUX
framr-4075	542	16	evident	evident	ADJ
framr-4075	542	17	that	that	SCONJ
framr-4075	542	18	the	the	DET
framr-4075	542	19	government	government	NOUN
framr-4075	542	20	was	be	AUX
framr-4075	542	21	paying	pay	VERB
framr-4075	542	22	adequate	adequate	ADJ
framr-4075	542	23	attention	attention	NOUN
framr-4075	542	24	to	to	ADP
framr-4075	542	25	implementing	implement	VERB
framr-4075	542	26	proper	proper	ADJ
framr-4075	542	27	regulatory	regulatory	ADJ
framr-4075	542	28	measures	measure	NOUN
framr-4075	542	29	.	.	PUNCT
framr-4075	543	1	most	most	ADJ
framr-4075	543	2	discussions	discussion	NOUN
framr-4075	543	3	focused	focus	VERB
framr-4075	543	4	on	on	ADP
framr-4075	543	5	the	the	DET
framr-4075	543	6	transparency	transparency	NOUN
framr-4075	543	7	of	of	ADP
framr-4075	543	8	ai	ai	PROPN
framr-4075	543	9	programming	programming	NOUN
framr-4075	543	10	,	,	PUNCT
framr-4075	543	11	accountability	accountability	NOUN
framr-4075	543	12	for	for	ADP
framr-4075	543	13	ai	ai	PRON
framr-4075	543	14	decision	decision	NOUN
framr-4075	543	15	-	-	PUNCT
framr-4075	543	16	making	making	NOUN
framr-4075	543	17	,	,	PUNCT
framr-4075	543	18	and	and	CCONJ
framr-4075	543	19	mechanisms	mechanism	NOUN
framr-4075	543	20	to	to	PART
framr-4075	543	21	ensure	ensure	VERB
framr-4075	543	22	that	that	SCONJ
framr-4075	543	23	ai	ai	INTJ
framr-4075	543	24	does	do	AUX
framr-4075	543	25	not	not	PART
framr-4075	543	26	act	act	VERB
framr-4075	543	27	in	in	ADP
framr-4075	543	28	a	a	DET
framr-4075	543	29	discriminatory	discriminatory	ADJ
framr-4075	543	30	manner	manner	NOUN
framr-4075	543	31	.	.	PUNCT
framr-4075	544	1	furthermore	furthermore	ADV
framr-4075	544	2	,	,	PUNCT
framr-4075	544	3	the	the	DET
framr-4075	544	4	whitepaper	whitepaper	NOUN
framr-4075	544	5	on	on	ADP
framr-4075	544	6	ai	ai	AUX
framr-4075	544	7	published	publish	VERB
framr-4075	544	8	by	by	ADP
framr-4075	544	9	the	the	DET
framr-4075	544	10	uk	uk	PROPN
framr-4075	544	11	government	government	NOUN
framr-4075	544	12	outlines	outline	VERB
framr-4075	544	13	plans	plan	NOUN
framr-4075	544	14	to	to	PART
framr-4075	544	15	govern	govern	VERB
framr-4075	544	16	ai	ai	ADP
framr-4075	544	17	and	and	CCONJ
framr-4075	544	18	emphasizes	emphasize	VERB
framr-4075	544	19	the	the	DET
framr-4075	544	20	need	need	NOUN
framr-4075	544	21	to	to	PART
framr-4075	544	22	prevent	prevent	VERB
framr-4075	544	23	financial	financial	ADJ
framr-4075	544	24	risk	risk	NOUN
framr-4075	544	25	and	and	CCONJ
framr-4075	544	26	management	management	NOUN
framr-4075	544	27	reviews	review	NOUN
framr-4075	544	28	,	,	PUNCT
framr-4075	544	29	2025	2025	NUM
framr-4075	544	30	,	,	PUNCT
framr-4075	544	31	11(1	11(1	NUM
framr-4075	544	32	):	):	PUNCT
framr-4075	544	33	1	1	NUM
framr-4075	544	34	-	-	SYM
framr-4075	544	35	36	36	NUM
framr-4075	544	36	21	21	NUM
framr-4075	544	37	©	©	PROPN
framr-4075	544	38	2025	2025	NUM
framr-4075	544	39	conscientia	conscientia	PROPN
framr-4075	544	40	beam	beam	PROPN
framr-4075	544	41	.	.	PUNCT
framr-4075	545	1	all	all	DET
framr-4075	545	2	rights	right	NOUN
framr-4075	545	3	reserved	reserve	VERB
framr-4075	545	4	.	.	PUNCT
framr-4075	546	1	adverse	adverse	ADJ
framr-4075	546	2	effects	effect	NOUN
framr-4075	546	3	while	while	SCONJ
framr-4075	546	4	fostering	foster	VERB
framr-4075	546	5	technological	technological	ADJ
framr-4075	546	6	advancement	advancement	NOUN
framr-4075	546	7	(	(	PUNCT
framr-4075	546	8	int-comp.org	int-comp.org	NOUN
framr-4075	546	9	,	,	PUNCT
framr-4075	546	10	2023	2023	NUM
framr-4075	546	11	)	)	PUNCT
framr-4075	546	12	.	.	PUNCT
framr-4075	547	1	the	the	DET
framr-4075	547	2	eu	eu	PROPN
framr-4075	547	3	and	and	CCONJ
framr-4075	547	4	the	the	DET
framr-4075	547	5	us	us	PROPN
framr-4075	547	6	also	also	ADV
framr-4075	547	7	face	face	VERB
framr-4075	547	8	these	these	DET
framr-4075	547	9	challenges	challenge	NOUN
framr-4075	547	10	,	,	PUNCT
framr-4075	547	11	and	and	CCONJ
framr-4075	547	12	their	their	PRON
framr-4075	547	13	regulatory	regulatory	ADJ
framr-4075	547	14	authorities	authority	NOUN
framr-4075	547	15	are	be	AUX
framr-4075	547	16	developing	develop	VERB
framr-4075	547	17	regulations	regulation	NOUN
framr-4075	547	18	for	for	ADP
framr-4075	547	19	ai	ai	NOUN
framr-4075	547	20	to	to	PART
framr-4075	547	21	address	address	VERB
framr-4075	547	22	these	these	DET
framr-4075	547	23	issues	issue	NOUN
framr-4075	547	24	.	.	PUNCT
framr-4075	548	1	7.2.3	7.2.3	X
framr-4075	548	2	.	.	PUNCT
framr-4075	548	3	sustainable	sustainable	ADJ
framr-4075	548	4	finance	finance	NOUN
framr-4075	548	5	esg	esg	PROPN
framr-4075	548	6	has	have	AUX
framr-4075	548	7	gradually	gradually	ADV
framr-4075	548	8	become	become	VERB
framr-4075	548	9	one	one	NUM
framr-4075	548	10	of	of	ADP
framr-4075	548	11	the	the	DET
framr-4075	548	12	key	key	ADJ
framr-4075	548	13	issues	issue	NOUN
framr-4075	548	14	affecting	affect	VERB
framr-4075	548	15	financial	financial	ADJ
framr-4075	548	16	regulation	regulation	NOUN
framr-4075	548	17	.	.	PUNCT
framr-4075	549	1	the	the	DET
framr-4075	549	2	sustainable	sustainable	ADJ
framr-4075	549	3	finance	finance	NOUN
framr-4075	549	4	disclosure	disclosure	NOUN
framr-4075	549	5	regulation	regulation	NOUN
framr-4075	549	6	(	(	PUNCT
framr-4075	549	7	sfdr	sfdr	PROPN
framr-4075	549	8	)	)	PUNCT
framr-4075	549	9	applies	apply	VERB
framr-4075	549	10	to	to	ADP
framr-4075	549	11	firms	firm	NOUN
framr-4075	549	12	in	in	ADP
framr-4075	549	13	the	the	DET
framr-4075	549	14	eu	eu	PROPN
framr-4075	549	15	,	,	PUNCT
framr-4075	549	16	requiring	require	VERB
framr-4075	549	17	them	they	PRON
framr-4075	549	18	to	to	PART
framr-4075	549	19	make	make	VERB
framr-4075	549	20	sustainable	sustainable	ADJ
framr-4075	549	21	investments	investment	NOUN
framr-4075	549	22	and	and	CCONJ
framr-4075	549	23	disclose	disclose	VERB
framr-4075	549	24	them	they	PRON
framr-4075	549	25	based	base	VERB
framr-4075	549	26	on	on	ADP
framr-4075	549	27	esg	esg	PROPN
framr-4075	549	28	factors	factor	NOUN
framr-4075	549	29	included	include	VERB
framr-4075	549	30	in	in	ADP
framr-4075	549	31	the	the	DET
framr-4075	549	32	investment	investment	NOUN
framr-4075	549	33	process	process	NOUN
framr-4075	549	34	.	.	PUNCT
framr-4075	550	1	this	this	DET
framr-4075	550	2	regulation	regulation	NOUN
framr-4075	550	3	aims	aim	VERB
framr-4075	550	4	to	to	PART
framr-4075	550	5	enhance	enhance	VERB
framr-4075	550	6	disclosure	disclosure	NOUN
framr-4075	550	7	practices	practice	NOUN
framr-4075	550	8	in	in	ADP
framr-4075	550	9	such	such	ADJ
framr-4075	550	10	enterprises	enterprise	NOUN
framr-4075	550	11	so	so	SCONJ
framr-4075	550	12	that	that	SCONJ
framr-4075	550	13	investors	investor	NOUN
framr-4075	550	14	can	can	AUX
framr-4075	550	15	make	make	VERB
framr-4075	550	16	decisions	decision	NOUN
framr-4075	550	17	based	base	VERB
framr-4075	550	18	on	on	ADP
framr-4075	550	19	sustainability	sustainability	NOUN
framr-4075	550	20	.	.	PUNCT
framr-4075	551	1	furthermore	furthermore	ADV
framr-4075	551	2	,	,	PUNCT
framr-4075	551	3	the	the	DET
framr-4075	551	4	corporate	corporate	ADJ
framr-4075	551	5	sustainability	sustainability	NOUN
framr-4075	551	6	due	due	ADJ
framr-4075	551	7	diligence	diligence	NOUN
framr-4075	551	8	directive	directive	NOUN
framr-4075	551	9	(	(	PUNCT
framr-4075	551	10	csddd	csddd	NOUN
framr-4075	551	11	)	)	PUNCT
framr-4075	551	12	proposes	propose	VERB
framr-4075	551	13	that	that	SCONJ
framr-4075	551	14	firms	firm	NOUN
framr-4075	551	15	must	must	AUX
framr-4075	551	16	identify	identify	VERB
framr-4075	551	17	and	and	CCONJ
framr-4075	551	18	address	address	VERB
framr-4075	551	19	risks	risk	NOUN
framr-4075	551	20	of	of	ADP
framr-4075	551	21	human	human	ADJ
framr-4075	551	22	rights	right	NOUN
framr-4075	551	23	violations	violation	NOUN
framr-4075	551	24	and	and	CCONJ
framr-4075	551	25	environmental	environmental	ADJ
framr-4075	551	26	crimes	crime	NOUN
framr-4075	551	27	throughout	throughout	ADP
framr-4075	551	28	the	the	DET
framr-4075	551	29	supply	supply	NOUN
framr-4075	551	30	chain	chain	NOUN
framr-4075	551	31	(	(	PUNCT
framr-4075	551	32	int-comp.org	int-comp.org	VERB
framr-4075	551	33	,	,	PUNCT
framr-4075	551	34	2023	2023	NUM
framr-4075	551	35	)	)	PUNCT
framr-4075	551	36	.	.	PUNCT
framr-4075	552	1	these	these	PRON
framr-4075	552	2	are	be	AUX
framr-4075	552	3	signs	sign	NOUN
framr-4075	552	4	of	of	ADP
framr-4075	552	5	a	a	DET
framr-4075	552	6	more	more	ADV
framr-4075	552	7	profound	profound	ADJ
framr-4075	552	8	transition	transition	NOUN
framr-4075	552	9	towards	towards	ADP
framr-4075	552	10	integrating	integrate	VERB
framr-4075	552	11	sustainability	sustainability	NOUN
framr-4075	552	12	in	in	ADP
framr-4075	552	13	financial	financial	ADJ
framr-4075	552	14	activities	activity	NOUN
framr-4075	552	15	due	due	ADJ
framr-4075	552	16	to	to	ADP
framr-4075	552	17	investors	investor	NOUN
framr-4075	552	18	'	'	PART
framr-4075	552	19	growing	grow	VERB
framr-4075	552	20	demand	demand	NOUN
framr-4075	552	21	for	for	ADP
framr-4075	552	22	sustainable	sustainable	ADJ
framr-4075	552	23	funds	fund	NOUN
framr-4075	552	24	.	.	PUNCT
framr-4075	553	1	7.3	7.3	NUM
framr-4075	553	2	.	.	PUNCT
framr-4075	554	1	role	role	NOUN
framr-4075	554	2	of	of	ADP
framr-4075	554	3	international	international	ADJ
framr-4075	554	4	cooperation	cooperation	NOUN
framr-4075	554	5	fintech	fintech	NOUN
framr-4075	554	6	is	be	AUX
framr-4075	554	7	a	a	DET
framr-4075	554	8	facilitator	facilitator	NOUN
framr-4075	554	9	of	of	ADP
framr-4075	554	10	global	global	ADJ
framr-4075	554	11	financial	financial	ADJ
framr-4075	554	12	crimes	crime	NOUN
framr-4075	554	13	,	,	PUNCT
framr-4075	554	14	and	and	CCONJ
framr-4075	554	15	for	for	ADP
framr-4075	554	16	this	this	DET
framr-4075	554	17	reason	reason	NOUN
framr-4075	554	18	,	,	PUNCT
framr-4075	554	19	they	they	PRON
framr-4075	554	20	can	can	AUX
framr-4075	554	21	only	only	ADV
framr-4075	554	22	be	be	AUX
framr-4075	554	23	fought	fight	VERB
framr-4075	554	24	through	through	ADP
framr-4075	554	25	international	international	ADJ
framr-4075	554	26	collaboration	collaboration	NOUN
framr-4075	554	27	.	.	PUNCT
framr-4075	555	1	however	however	ADV
framr-4075	555	2	,	,	PUNCT
framr-4075	555	3	fintech	fintech	NOUN
framr-4075	555	4	innovations	innovation	NOUN
framr-4075	555	5	also	also	ADV
framr-4075	555	6	introduce	introduce	VERB
framr-4075	555	7	risks	risk	NOUN
framr-4075	555	8	in	in	ADP
framr-4075	555	9	the	the	DET
framr-4075	555	10	form	form	NOUN
framr-4075	555	11	of	of	ADP
framr-4075	555	12	opportunities	opportunity	NOUN
framr-4075	555	13	for	for	ADP
framr-4075	555	14	some	some	PRON
framr-4075	555	15	of	of	ADP
framr-4075	555	16	these	these	DET
framr-4075	555	17	financial	financial	ADJ
framr-4075	555	18	crimes	crime	NOUN
framr-4075	555	19	,	,	PUNCT
framr-4075	555	20	as	as	SCONJ
framr-4075	555	21	they	they	PRON
framr-4075	555	22	are	be	AUX
framr-4075	555	23	frequently	frequently	ADV
framr-4075	555	24	transnational	transnational	ADJ
framr-4075	555	25	and	and	CCONJ
framr-4075	555	26	demand	demand	VERB
framr-4075	555	27	an	an	DET
framr-4075	555	28	international	international	ADJ
framr-4075	555	29	response	response	NOUN
framr-4075	555	30	.	.	PUNCT
framr-4075	556	1	7.3.1	7.3.1	X
framr-4075	556	2	.	.	PUNCT
framr-4075	556	3	anti	anti	ADJ
framr-4075	556	4	-	-	ADJ
framr-4075	556	5	money	money	ADJ
framr-4075	556	6	laundering	laundering	NOUN
framr-4075	556	7	(	(	PUNCT
framr-4075	556	8	aml	aml	PROPN
framr-4075	556	9	)	)	PUNCT
framr-4075	556	10	and	and	CCONJ
framr-4075	556	11	counter	counter	ADJ
framr-4075	556	12	-	-	ADJ
framr-4075	556	13	terrorist	terrorist	ADJ
framr-4075	556	14	financing	financing	NOUN
framr-4075	556	15	(	(	PUNCT
framr-4075	556	16	ctf	ctf	NOUN
framr-4075	556	17	)	)	PUNCT
framr-4075	556	18	fatf	fatf	NOUN
framr-4075	556	19	is	be	AUX
framr-4075	556	20	renowned	renowne	VERB
framr-4075	556	21	for	for	ADP
framr-4075	556	22	implementing	implement	VERB
framr-4075	556	23	recommendations	recommendation	NOUN
framr-4075	556	24	and	and	CCONJ
framr-4075	556	25	maintaining	maintain	VERB
framr-4075	556	26	an	an	DET
framr-4075	556	27	international	international	ADJ
framr-4075	556	28	list	list	NOUN
framr-4075	556	29	of	of	ADP
framr-4075	556	30	countries	country	NOUN
framr-4075	556	31	concerning	concern	VERB
framr-4075	556	32	aml	aml	PROPN
framr-4075	556	33	and	and	CCONJ
framr-4075	556	34	ctf	ctf	NOUN
framr-4075	556	35	.	.	PUNCT
framr-4075	557	1	money	money	NOUN
framr-4075	557	2	laundering	laundering	NOUN
framr-4075	557	3	is	be	AUX
framr-4075	557	4	a	a	DET
framr-4075	557	5	focus	focus	NOUN
framr-4075	557	6	of	of	ADP
framr-4075	557	7	fatf	fatf	NOUN
framr-4075	557	8	,	,	PUNCT
framr-4075	557	9	which	which	PRON
framr-4075	557	10	requires	require	VERB
framr-4075	557	11	countries	country	NOUN
framr-4075	557	12	to	to	PART
framr-4075	557	13	adopt	adopt	VERB
framr-4075	557	14	very	very	ADV
framr-4075	557	15	stringent	stringent	ADJ
framr-4075	557	16	measures	measure	NOUN
framr-4075	557	17	to	to	PART
framr-4075	557	18	combat	combat	VERB
framr-4075	557	19	this	this	DET
framr-4075	557	20	vice	vice	NOUN
framr-4075	557	21	.	.	PUNCT
framr-4075	558	1	the	the	DET
framr-4075	558	2	mutual	mutual	ADJ
framr-4075	558	3	evaluations	evaluation	NOUN
framr-4075	558	4	performed	perform	VERB
framr-4075	558	5	by	by	ADP
framr-4075	558	6	fatf	fatf	NOUN
framr-4075	558	7	assess	assess	VERB
framr-4075	558	8	how	how	SCONJ
framr-4075	558	9	states	state	NOUN
framr-4075	558	10	incorporate	incorporate	VERB
framr-4075	558	11	these	these	DET
framr-4075	558	12	standards	standard	NOUN
framr-4075	558	13	and	and	CCONJ
framr-4075	558	14	provide	provide	VERB
framr-4075	558	15	information	information	NOUN
framr-4075	558	16	,	,	PUNCT
framr-4075	558	17	thus	thus	ADV
framr-4075	558	18	encouraging	encourage	VERB
framr-4075	558	19	the	the	DET
framr-4075	558	20	timely	timely	ADJ
framr-4075	558	21	ratification	ratification	NOUN
framr-4075	558	22	of	of	ADP
framr-4075	558	23	best	good	ADJ
framr-4075	558	24	practices	practice	NOUN
framr-4075	558	25	.	.	PUNCT
framr-4075	559	1	these	these	DET
framr-4075	559	2	evaluations	evaluation	NOUN
framr-4075	559	3	reveal	reveal	VERB
framr-4075	559	4	a	a	DET
framr-4075	559	5	lack	lack	NOUN
framr-4075	559	6	of	of	ADP
framr-4075	559	7	measures	measure	NOUN
framr-4075	559	8	to	to	PART
framr-4075	559	9	implement	implement	VERB
framr-4075	559	10	substantial	substantial	ADJ
framr-4075	559	11	norms	norm	NOUN
framr-4075	559	12	at	at	ADP
framr-4075	559	13	the	the	DET
framr-4075	559	14	national	national	ADJ
framr-4075	559	15	level	level	NOUN
framr-4075	559	16	regarding	regard	VERB
framr-4075	559	17	aml	aml	PROPN
framr-4075	559	18	/	/	SYM
framr-4075	559	19	ctf	ctf	NOUN
framr-4075	559	20	,	,	PUNCT
framr-4075	559	21	thereby	thereby	ADV
framr-4075	559	22	continuing	continue	VERB
framr-4075	559	23	to	to	PART
framr-4075	559	24	provide	provide	VERB
framr-4075	559	25	recommendations	recommendation	NOUN
framr-4075	559	26	for	for	ADP
framr-4075	559	27	improving	improve	VERB
framr-4075	559	28	norms	norm	NOUN
framr-4075	559	29	worldwide	worldwide	ADV
framr-4075	559	30	,	,	PUNCT
framr-4075	559	31	with	with	ADP
framr-4075	559	32	the	the	DET
framr-4075	559	33	purpose	purpose	NOUN
framr-4075	559	34	of	of	ADP
framr-4075	559	35	uniting	unite	VERB
framr-4075	559	36	to	to	PART
framr-4075	559	37	fight	fight	VERB
framr-4075	559	38	financial	financial	ADJ
framr-4075	559	39	crimes	crime	NOUN
framr-4075	559	40	(	(	PUNCT
framr-4075	559	41	financial	financial	ADJ
framr-4075	559	42	action	action	NOUN
framr-4075	559	43	task	task	NOUN
framr-4075	559	44	force	force	NOUN
framr-4075	559	45	(	(	PUNCT
framr-4075	559	46	fatf	fatf	PROPN
framr-4075	559	47	)	)	PUNCT
framr-4075	559	48	,	,	PUNCT
framr-4075	559	49	2023	2023	NUM
framr-4075	559	50	)	)	PUNCT
framr-4075	559	51	.	.	PUNCT
framr-4075	560	1	fatf	fatf	PROPN
framr-4075	560	2	’s	’s	PART
framr-4075	560	3	approach	approach	NOUN
framr-4075	560	4	entails	entail	VERB
framr-4075	560	5	cooperation	cooperation	NOUN
framr-4075	560	6	through	through	ADP
framr-4075	560	7	which	which	PRON
framr-4075	560	8	these	these	DET
framr-4075	560	9	countries	country	NOUN
framr-4075	560	10	work	work	VERB
framr-4075	560	11	together	together	ADV
framr-4075	560	12	,	,	PUNCT
framr-4075	560	13	thereby	thereby	ADV
framr-4075	560	14	improving	improve	VERB
framr-4075	560	15	best	good	ADJ
framr-4075	560	16	practices	practice	NOUN
framr-4075	560	17	in	in	ADP
framr-4075	560	18	the	the	DET
framr-4075	560	19	financial	financial	ADJ
framr-4075	560	20	field	field	NOUN
framr-4075	560	21	and	and	CCONJ
framr-4075	560	22	enhancing	enhance	VERB
framr-4075	560	23	financial	financial	ADJ
framr-4075	560	24	security	security	NOUN
framr-4075	560	25	globally	globally	ADV
framr-4075	560	26	.	.	PUNCT
framr-4075	561	1	7.3.2	7.3.2	X
framr-4075	561	2	.	.	PUNCT
framr-4075	561	3	cybersecurity	cybersecurity	NOUN
framr-4075	561	4	growing	grow	VERB
framr-4075	561	5	cybersecurity	cybersecurity	NOUN
framr-4075	561	6	threats	threat	NOUN
framr-4075	561	7	present	present	VERB
framr-4075	561	8	significant	significant	ADJ
framr-4075	561	9	risks	risk	NOUN
framr-4075	561	10	to	to	ADP
framr-4075	561	11	the	the	DET
framr-4075	561	12	finance	finance	NOUN
framr-4075	561	13	sector	sector	NOUN
framr-4075	561	14	and	and	CCONJ
framr-4075	561	15	thus	thus	ADV
framr-4075	561	16	call	call	VERB
framr-4075	561	17	for	for	ADP
framr-4075	561	18	global	global	ADJ
framr-4075	561	19	collaboration	collaboration	NOUN
framr-4075	561	20	.	.	PUNCT
framr-4075	562	1	organizations	organization	NOUN
framr-4075	562	2	such	such	ADJ
framr-4075	562	3	as	as	ADP
framr-4075	562	4	the	the	DET
framr-4075	562	5	european	european	PROPN
framr-4075	562	6	union	union	PROPN
framr-4075	562	7	agency	agency	PROPN
framr-4075	562	8	for	for	ADP
framr-4075	562	9	cybersecurity	cybersecurity	NOUN
framr-4075	562	10	(	(	PUNCT
framr-4075	562	11	enisa	enisa	NOUN
framr-4075	562	12	)	)	PUNCT
framr-4075	562	13	and	and	CCONJ
framr-4075	562	14	the	the	DET
framr-4075	562	15	us	us	PROPN
framr-4075	562	16	cybersecurity	cybersecurity	NOUN
framr-4075	562	17	&	&	CCONJ
framr-4075	562	18	infrastructure	infrastructure	PROPN
framr-4075	562	19	security	security	NOUN
framr-4075	562	20	agency	agency	PROPN
framr-4075	562	21	(	(	PUNCT
framr-4075	562	22	cisa	cisa	PROPN
framr-4075	562	23	)	)	PUNCT
framr-4075	562	24	facilitate	facilitate	NOUN
framr-4075	562	25	the	the	DET
framr-4075	562	26	sharing	sharing	NOUN
framr-4075	562	27	of	of	ADP
framr-4075	562	28	best	good	ADJ
framr-4075	562	29	practices	practice	NOUN
framr-4075	562	30	and	and	CCONJ
framr-4075	562	31	threat	threat	NOUN
framr-4075	562	32	intelligence	intelligence	NOUN
framr-4075	562	33	between	between	ADP
framr-4075	562	34	nations	nation	NOUN
framr-4075	562	35	.	.	PUNCT
framr-4075	563	1	these	these	DET
framr-4075	563	2	organizations	organization	NOUN
framr-4075	563	3	work	work	VERB
framr-4075	563	4	to	to	PART
framr-4075	563	5	create	create	VERB
framr-4075	563	6	uniform	uniform	ADJ
framr-4075	563	7	cybersecurity	cybersecurity	NOUN
framr-4075	563	8	standards	standard	NOUN
framr-4075	563	9	and	and	CCONJ
framr-4075	563	10	strengthen	strengthen	VERB
framr-4075	563	11	incident	incident	NOUN
framr-4075	563	12	response	response	NOUN
framr-4075	563	13	mechanisms	mechanism	NOUN
framr-4075	563	14	.	.	PUNCT
framr-4075	564	1	facilitating	facilitate	VERB
framr-4075	564	2	international	international	ADJ
framr-4075	564	3	cooperation	cooperation	NOUN
framr-4075	564	4	helps	help	VERB
framr-4075	564	5	reduce	reduce	VERB
framr-4075	564	6	the	the	DET
framr-4075	564	7	cyber	cyber	NOUN
framr-4075	564	8	risks	risk	NOUN
framr-4075	564	9	experienced	experience	VERB
framr-4075	564	10	by	by	ADP
framr-4075	564	11	financial	financial	ADJ
framr-4075	564	12	entities	entity	NOUN
framr-4075	564	13	worldwide	worldwide	ADV
framr-4075	564	14	.	.	PUNCT
framr-4075	565	1	collaborating	collaborate	VERB
framr-4075	565	2	around	around	ADP
framr-4075	565	3	cybersecurity	cybersecurity	NOUN
framr-4075	565	4	,	,	PUNCT
framr-4075	565	5	including	include	VERB
framr-4075	565	6	sharing	share	VERB
framr-4075	565	7	information	information	NOUN
framr-4075	565	8	and	and	CCONJ
framr-4075	565	9	orchestrating	orchestrate	VERB
framr-4075	565	10	cyber	cyber	NOUN
framr-4075	565	11	-	-	PUNCT
framr-4075	565	12	threat	threat	NOUN
framr-4075	565	13	responses	response	NOUN
framr-4075	565	14	,	,	PUNCT
framr-4075	565	15	is	be	AUX
framr-4075	565	16	essential	essential	ADJ
framr-4075	565	17	to	to	ADP
framr-4075	565	18	protecting	protect	VERB
framr-4075	565	19	enterprises	enterprise	NOUN
framr-4075	565	20	from	from	ADP
framr-4075	565	21	advanced	advanced	ADJ
framr-4075	565	22	threats	threat	NOUN
framr-4075	565	23	that	that	PRON
framr-4075	565	24	can	can	AUX
framr-4075	565	25	have	have	VERB
framr-4075	565	26	far	far	ADV
framr-4075	565	27	-	-	PUNCT
framr-4075	565	28	reaching	reach	VERB
framr-4075	565	29	impacts	impact	NOUN
framr-4075	565	30	.	.	PUNCT
framr-4075	566	1	joint	joint	ADJ
framr-4075	566	2	efforts	effort	NOUN
framr-4075	566	3	dealing	deal	VERB
framr-4075	566	4	with	with	ADP
framr-4075	566	5	cyber	cyber	ADJ
framr-4075	566	6	risks	risk	NOUN
framr-4075	566	7	,	,	PUNCT
framr-4075	566	8	such	such	ADJ
framr-4075	566	9	as	as	ADP
framr-4075	566	10	data	datum	NOUN
framr-4075	566	11	protection	protection	NOUN
framr-4075	566	12	of	of	ADP
framr-4075	566	13	sensitive	sensitive	ADJ
framr-4075	566	14	personal	personal	ADJ
framr-4075	566	15	identities	identity	NOUN
framr-4075	566	16	,	,	PUNCT
framr-4075	566	17	provide	provide	VERB
framr-4075	566	18	critical	critical	ADJ
framr-4075	566	19	capabilities	capability	NOUN
framr-4075	566	20	for	for	ADP
framr-4075	566	21	identifying	identify	VERB
framr-4075	566	22	new	new	ADJ
framr-4075	566	23	attack	attack	NOUN
framr-4075	566	24	trends	trend	NOUN
framr-4075	566	25	(	(	PUNCT
framr-4075	566	26	mckinsey	mckinsey	NOUN
framr-4075	566	27	&	&	CCONJ
framr-4075	566	28	company	company	NOUN
framr-4075	566	29	,	,	PUNCT
framr-4075	566	30	2021a	2021a	NUM
framr-4075	566	31	)	)	PUNCT
framr-4075	566	32	.	.	PUNCT
framr-4075	567	1	cyber	cyber	PROPN
framr-4075	567	2	threats	threat	NOUN
framr-4075	567	3	are	be	AUX
framr-4075	567	4	global	global	ADJ
framr-4075	567	5	,	,	PUNCT
framr-4075	567	6	and	and	CCONJ
framr-4075	567	7	no	no	DET
framr-4075	567	8	country	country	NOUN
framr-4075	567	9	can	can	AUX
framr-4075	567	10	solve	solve	VERB
framr-4075	567	11	these	these	DET
framr-4075	567	12	challenges	challenge	NOUN
framr-4075	567	13	alone	alone	ADV
framr-4075	567	14	,	,	PUNCT
framr-4075	567	15	emphasizing	emphasize	VERB
framr-4075	567	16	the	the	DET
framr-4075	567	17	necessity	necessity	NOUN
framr-4075	567	18	of	of	ADP
framr-4075	567	19	international	international	ADJ
framr-4075	567	20	cooperation	cooperation	NOUN
framr-4075	567	21	.	.	PUNCT
framr-4075	568	1	7.3.3	7.3.3	X
framr-4075	568	2	.	.	PUNCT
framr-4075	568	3	data	datum	NOUN
framr-4075	568	4	security	security	NOUN
framr-4075	568	5	and	and	CCONJ
framr-4075	568	6	privacy	privacy	NOUN
framr-4075	568	7	the	the	DET
framr-4075	568	8	global	global	ADJ
framr-4075	568	9	data	data	PROPN
framr-4075	568	10	movement	movement	PROPN
framr-4075	568	11	necessitates	necessitate	VERB
framr-4075	568	12	standard	standard	ADJ
framr-4075	568	13	policies	policy	NOUN
framr-4075	568	14	around	around	ADP
framr-4075	568	15	data	datum	NOUN
framr-4075	568	16	protection	protection	NOUN
framr-4075	568	17	.	.	PUNCT
framr-4075	569	1	the	the	DET
framr-4075	569	2	eu	eu	PROPN
framr-4075	569	3	has	have	AUX
framr-4075	569	4	established	establish	VERB
framr-4075	569	5	a	a	DET
framr-4075	569	6	high	high	ADJ
framr-4075	569	7	standard	standard	NOUN
framr-4075	569	8	for	for	ADP
framr-4075	569	9	data	datum	NOUN
framr-4075	569	10	privacy	privacy	NOUN
framr-4075	569	11	with	with	ADP
framr-4075	569	12	its	its	PRON
framr-4075	569	13	general	general	ADJ
framr-4075	569	14	data	datum	NOUN
framr-4075	569	15	protection	protection	NOUN
framr-4075	569	16	regulation	regulation	NOUN
framr-4075	569	17	(	(	PUNCT
framr-4075	569	18	gdpr	gdpr	NOUN
framr-4075	569	19	)	)	PUNCT
framr-4075	569	20	,	,	PUNCT
framr-4075	569	21	and	and	CCONJ
framr-4075	569	22	more	more	ADJ
framr-4075	569	23	governments	government	NOUN
framr-4075	569	24	worldwide	worldwide	ADV
framr-4075	569	25	are	be	AUX
framr-4075	569	26	expected	expect	VERB
framr-4075	569	27	to	to	PART
framr-4075	569	28	follow	follow	VERB
framr-4075	569	29	suit	suit	NOUN
framr-4075	569	30	.	.	PUNCT
framr-4075	570	1	the	the	DET
framr-4075	570	2	goal	goal	NOUN
framr-4075	570	3	is	be	AUX
framr-4075	570	4	to	to	PART
framr-4075	570	5	enable	enable	VERB
framr-4075	570	6	data	datum	NOUN
framr-4075	570	7	transfers	transfer	NOUN
framr-4075	570	8	while	while	SCONJ
framr-4075	570	9	maintaining	maintain	VERB
framr-4075	570	10	privacy	privacy	NOUN
framr-4075	570	11	,	,	PUNCT
framr-4075	570	12	forming	form	VERB
framr-4075	570	13	the	the	DET
framr-4075	570	14	financial	financial	ADJ
framr-4075	570	15	risk	risk	NOUN
framr-4075	570	16	and	and	CCONJ
framr-4075	570	17	management	management	NOUN
framr-4075	570	18	reviews	review	NOUN
framr-4075	570	19	,	,	PUNCT
framr-4075	570	20	2025	2025	NUM
framr-4075	570	21	,	,	PUNCT
framr-4075	570	22	11(1	11(1	NUM
framr-4075	570	23	):	):	PUNCT
framr-4075	570	24	1	1	NUM
framr-4075	570	25	-	-	SYM
framr-4075	570	26	36	36	NUM
framr-4075	570	27	22	22	NUM
framr-4075	570	28	©	©	ADP
framr-4075	570	29	2025	2025	NUM
framr-4075	570	30	conscientia	conscientia	PROPN
framr-4075	570	31	beam	beam	PROPN
framr-4075	570	32	.	.	PUNCT
framr-4075	571	1	all	all	DET
framr-4075	571	2	rights	right	NOUN
framr-4075	571	3	reserved	reserve	VERB
framr-4075	571	4	.	.	PUNCT
framr-4075	572	1	basis	basis	NOUN
framr-4075	572	2	of	of	ADP
framr-4075	572	3	collaborative	collaborative	ADJ
framr-4075	572	4	organizations	organization	NOUN
framr-4075	572	5	such	such	ADJ
framr-4075	572	6	as	as	ADP
framr-4075	572	7	the	the	DET
framr-4075	572	8	eu	eu	PROPN
framr-4075	572	9	-	-	PROPN
framr-4075	572	10	us	us	PROPN
framr-4075	572	11	privacy	privacy	NOUN
framr-4075	572	12	shield	shield	NOUN
framr-4075	572	13	.	.	PUNCT
framr-4075	573	1	this	this	DET
framr-4075	573	2	agreement	agreement	NOUN
framr-4075	573	3	allows	allow	VERB
framr-4075	573	4	the	the	DET
framr-4075	573	5	processing	processing	NOUN
framr-4075	573	6	and	and	CCONJ
framr-4075	573	7	transfer	transfer	NOUN
framr-4075	573	8	of	of	ADP
framr-4075	573	9	personal	personal	ADJ
framr-4075	573	10	data	datum	NOUN
framr-4075	573	11	between	between	ADP
framr-4075	573	12	the	the	DET
framr-4075	573	13	eu	eu	PROPN
framr-4075	573	14	and	and	CCONJ
framr-4075	573	15	the	the	DET
framr-4075	573	16	us	us	PROPN
framr-4075	573	17	while	while	SCONJ
framr-4075	573	18	reconciling	reconcile	VERB
framr-4075	573	19	regulatory	regulatory	ADJ
framr-4075	573	20	requirements	requirement	NOUN
framr-4075	573	21	with	with	ADP
framr-4075	573	22	global	global	ADJ
framr-4075	573	23	commerce	commerce	PROPN
framr-4075	573	24	(	(	PUNCT
framr-4075	573	25	global	global	ADJ
framr-4075	573	26	legal	legal	ADJ
framr-4075	573	27	insights	insight	NOUN
framr-4075	573	28	,	,	PUNCT
framr-4075	573	29	2023	2023	NUM
framr-4075	573	30	)	)	PUNCT
framr-4075	573	31	.	.	PUNCT
framr-4075	574	1	streamlining	streamline	VERB
framr-4075	574	2	data	data	PROPN
framr-4075	574	3	protection	protection	NOUN
framr-4075	574	4	legislation	legislation	NOUN
framr-4075	574	5	globally	globally	ADV
framr-4075	574	6	safeguards	safeguard	VERB
framr-4075	574	7	individuals	individual	NOUN
framr-4075	574	8	'	'	PART
framr-4075	574	9	privacy	privacy	NOUN
framr-4075	574	10	rights	right	NOUN
framr-4075	574	11	and	and	CCONJ
framr-4075	574	12	ensures	ensure	VERB
framr-4075	574	13	clarity	clarity	NOUN
framr-4075	574	14	for	for	ADP
framr-4075	574	15	businesses	business	NOUN
framr-4075	574	16	operating	operate	VERB
framr-4075	574	17	across	across	ADP
framr-4075	574	18	borders	border	NOUN
framr-4075	574	19	.	.	PUNCT
framr-4075	575	1	7.3.4	7.3.4	X
framr-4075	575	2	.	.	PUNCT
framr-4075	575	3	global	global	ADJ
framr-4075	575	4	financial	financial	ADJ
framr-4075	575	5	regulation	regulation	PROPN
framr-4075	575	6	international	international	ADJ
framr-4075	575	7	initiatives	initiative	NOUN
framr-4075	575	8	led	lead	VERB
framr-4075	575	9	by	by	ADP
framr-4075	575	10	the	the	DET
framr-4075	575	11	financial	financial	ADJ
framr-4075	575	12	stability	stability	PROPN
framr-4075	575	13	board	board	NOUN
framr-4075	575	14	(	(	PUNCT
framr-4075	575	15	fsb	fsb	NOUN
framr-4075	575	16	)	)	PUNCT
framr-4075	575	17	,	,	PUNCT
framr-4075	575	18	the	the	DET
framr-4075	575	19	basel	basel	PROPN
framr-4075	575	20	committee	committee	PROPN
framr-4075	575	21	on	on	ADP
framr-4075	575	22	banking	banking	NOUN
framr-4075	575	23	supervision	supervision	NOUN
framr-4075	575	24	(	(	PUNCT
framr-4075	575	25	bcbs	bcbs	PROPN
framr-4075	575	26	)	)	PUNCT
framr-4075	575	27	,	,	PUNCT
framr-4075	575	28	and	and	CCONJ
framr-4075	575	29	forums	forum	NOUN
framr-4075	575	30	like	like	ADP
framr-4075	575	31	the	the	DET
framr-4075	575	32	g20	g20	PROPN
framr-4075	575	33	act	act	NOUN
framr-4075	575	34	as	as	SCONJ
framr-4075	575	35	platforms	platform	NOUN
framr-4075	575	36	to	to	PART
framr-4075	575	37	harmonize	harmonize	VERB
framr-4075	575	38	and	and	CCONJ
framr-4075	575	39	discuss	discuss	VERB
framr-4075	575	40	key	key	ADJ
framr-4075	575	41	financial	financial	ADJ
framr-4075	575	42	landscape	landscape	NOUN
framr-4075	575	43	issues	issue	NOUN
framr-4075	575	44	.	.	PUNCT
framr-4075	576	1	these	these	DET
framr-4075	576	2	forums	forum	NOUN
framr-4075	576	3	provide	provide	VERB
framr-4075	576	4	a	a	DET
framr-4075	576	5	synchronized	synchronize	VERB
framr-4075	576	6	global	global	ADJ
framr-4075	576	7	regulatory	regulatory	ADJ
framr-4075	576	8	framework	framework	NOUN
framr-4075	576	9	,	,	PUNCT
framr-4075	576	10	allowing	allow	VERB
framr-4075	576	11	for	for	ADP
framr-4075	576	12	comprehensive	comprehensive	ADJ
framr-4075	576	13	discussions	discussion	NOUN
framr-4075	576	14	and	and	CCONJ
framr-4075	576	15	understanding	understanding	NOUN
framr-4075	576	16	of	of	ADP
framr-4075	576	17	prudential	prudential	ADJ
framr-4075	576	18	requirements	requirement	NOUN
framr-4075	576	19	and	and	CCONJ
framr-4075	576	20	financial	financial	ADJ
framr-4075	576	21	reforms	reform	NOUN
framr-4075	576	22	.	.	PUNCT
framr-4075	577	1	conclusively	conclusively	ADV
framr-4075	577	2	,	,	PUNCT
framr-4075	577	3	international	international	ADJ
framr-4075	577	4	collaboration	collaboration	NOUN
framr-4075	577	5	is	be	AUX
framr-4075	577	6	vital	vital	ADJ
framr-4075	577	7	to	to	PART
framr-4075	577	8	tackle	tackle	VERB
framr-4075	577	9	the	the	DET
framr-4075	577	10	nuances	nuance	NOUN
framr-4075	577	11	and	and	CCONJ
framr-4075	577	12	challenges	challenge	NOUN
framr-4075	577	13	of	of	ADP
framr-4075	577	14	financial	financial	ADJ
framr-4075	577	15	crimes	crime	NOUN
framr-4075	577	16	in	in	ADP
framr-4075	577	17	the	the	DET
framr-4075	577	18	fintech	fintech	NOUN
framr-4075	577	19	era	era	NOUN
framr-4075	577	20	.	.	PUNCT
framr-4075	578	1	countries	country	NOUN
framr-4075	578	2	need	need	VERB
framr-4075	578	3	to	to	PART
framr-4075	578	4	work	work	VERB
framr-4075	578	5	collaboratively	collaboratively	ADV
framr-4075	578	6	and	and	CCONJ
framr-4075	578	7	independently	independently	ADV
framr-4075	578	8	to	to	PART
framr-4075	578	9	develop	develop	VERB
framr-4075	578	10	more	more	ADV
framr-4075	578	11	muscular	muscular	ADJ
framr-4075	578	12	regulatory	regulatory	ADJ
framr-4075	578	13	structures	structure	NOUN
framr-4075	578	14	,	,	PUNCT
framr-4075	578	15	share	share	NOUN
framr-4075	578	16	intelligence	intelligence	NOUN
framr-4075	578	17	,	,	PUNCT
framr-4075	578	18	and	and	CCONJ
framr-4075	578	19	execute	execute	VERB
framr-4075	578	20	better	well	ADJ
framr-4075	578	21	strategies	strategy	NOUN
framr-4075	578	22	to	to	PART
framr-4075	578	23	eradicate	eradicate	VERB
framr-4075	578	24	financial	financial	ADJ
framr-4075	578	25	crimes	crime	NOUN
framr-4075	578	26	,	,	PUNCT
framr-4075	578	27	creating	create	VERB
framr-4075	578	28	a	a	DET
framr-4075	578	29	secure	secure	ADJ
framr-4075	578	30	world	world	NOUN
framr-4075	578	31	of	of	ADP
framr-4075	578	32	finance	finance	NOUN
framr-4075	578	33	.	.	PUNCT
framr-4075	579	1	8	8	X
framr-4075	579	2	.	.	X
framr-4075	579	3	weighing	weigh	VERB
framr-4075	579	4	the	the	DET
framr-4075	579	5	benefits	benefit	NOUN
framr-4075	579	6	and	and	CCONJ
framr-4075	579	7	risks	risk	NOUN
framr-4075	579	8	8.1	8.1	NUM
framr-4075	579	9	.	.	PUNCT
framr-4075	580	1	benefits	benefit	NOUN
framr-4075	580	2	to	to	ADP
framr-4075	580	3	financial	financial	ADJ
framr-4075	580	4	institutions	institution	NOUN
framr-4075	580	5	8.1.1	8.1.1	NUM
framr-4075	580	6	.	.	PUNCT
framr-4075	580	7	enhanced	enhance	VERB
framr-4075	580	8	efficiency	efficiency	NOUN
framr-4075	580	9	and	and	CCONJ
framr-4075	580	10	cost	cost	NOUN
framr-4075	580	11	reduction	reduction	NOUN
framr-4075	580	12	fintech	fintech	NOUN
framr-4075	580	13	solutions	solution	NOUN
framr-4075	580	14	improve	improve	VERB
framr-4075	580	15	the	the	DET
framr-4075	580	16	operations	operation	NOUN
framr-4075	580	17	of	of	ADP
framr-4075	580	18	financial	financial	ADJ
framr-4075	580	19	institutions	institution	NOUN
framr-4075	580	20	by	by	ADP
framr-4075	580	21	reducing	reduce	VERB
framr-4075	580	22	the	the	DET
framr-4075	580	23	need	need	NOUN
framr-4075	580	24	for	for	SCONJ
framr-4075	580	25	the	the	DET
framr-4075	580	26	workforce	workforce	NOUN
framr-4075	580	27	to	to	PART
framr-4075	580	28	perform	perform	VERB
framr-4075	580	29	various	various	ADJ
framr-4075	580	30	tasks	task	NOUN
framr-4075	580	31	.	.	PUNCT
framr-4075	581	1	automated	automate	VERB
framr-4075	581	2	systems	system	NOUN
framr-4075	581	3	for	for	ADP
framr-4075	581	4	customer	customer	NOUN
framr-4075	581	5	acquisition	acquisition	NOUN
framr-4075	581	6	,	,	PUNCT
framr-4075	581	7	loan	loan	NOUN
framr-4075	581	8	processing	processing	NOUN
framr-4075	581	9	,	,	PUNCT
framr-4075	581	10	and	and	CCONJ
framr-4075	581	11	compliance	compliance	NOUN
framr-4075	581	12	save	save	VERB
framr-4075	581	13	time	time	NOUN
framr-4075	581	14	,	,	PUNCT
framr-4075	581	15	leading	lead	VERB
framr-4075	581	16	to	to	ADP
framr-4075	581	17	significant	significant	ADJ
framr-4075	581	18	cost	cost	NOUN
framr-4075	581	19	savings	saving	NOUN
framr-4075	581	20	.	.	PUNCT
framr-4075	582	1	for	for	ADP
framr-4075	582	2	instance	instance	NOUN
framr-4075	582	3	,	,	PUNCT
framr-4075	582	4	automated	automate	VERB
framr-4075	582	5	customer	customer	NOUN
framr-4075	582	6	verification	verification	NOUN
framr-4075	582	7	systems	system	NOUN
framr-4075	582	8	allow	allow	VERB
framr-4075	582	9	firms	firm	NOUN
framr-4075	582	10	to	to	PART
framr-4075	582	11	address	address	VERB
framr-4075	582	12	kyc	kyc	PROPN
framr-4075	582	13	requirements	requirement	NOUN
framr-4075	582	14	much	much	ADV
framr-4075	582	15	faster	fast	ADV
framr-4075	582	16	,	,	PUNCT
framr-4075	582	17	completing	complete	VERB
framr-4075	582	18	the	the	DET
framr-4075	582	19	process	process	NOUN
framr-4075	582	20	in	in	ADP
framr-4075	582	21	minutes	minute	NOUN
framr-4075	582	22	rather	rather	ADV
framr-4075	582	23	than	than	ADP
framr-4075	582	24	the	the	DET
framr-4075	582	25	days	day	NOUN
framr-4075	582	26	or	or	CCONJ
framr-4075	582	27	weeks	week	NOUN
framr-4075	582	28	required	require	VERB
framr-4075	582	29	for	for	ADP
framr-4075	582	30	manual	manual	ADJ
framr-4075	582	31	procedures	procedure	NOUN
framr-4075	582	32	.	.	PUNCT
framr-4075	583	1	research	research	NOUN
framr-4075	583	2	conducted	conduct	VERB
framr-4075	583	3	by	by	ADP
framr-4075	583	4	accenture	accenture	NOUN
framr-4075	583	5	shows	show	VERB
framr-4075	583	6	that	that	SCONJ
framr-4075	583	7	integrating	integrate	VERB
framr-4075	583	8	fintech	fintech	NOUN
framr-4075	583	9	solutions	solution	NOUN
framr-4075	583	10	can	can	AUX
framr-4075	583	11	optimize	optimize	VERB
framr-4075	583	12	operational	operational	ADJ
framr-4075	583	13	costs	cost	NOUN
framr-4075	583	14	by	by	ADP
framr-4075	583	15	up	up	ADP
framr-4075	583	16	to	to	PART
framr-4075	583	17	30	30	NUM
framr-4075	583	18	%	%	NOUN
framr-4075	583	19	(	(	PUNCT
framr-4075	583	20	accenture	accenture	NOUN
framr-4075	583	21	,	,	PUNCT
framr-4075	583	22	2021	2021	NUM
framr-4075	583	23	)	)	PUNCT
framr-4075	583	24	.	.	PUNCT
framr-4075	584	1	8.1.2	8.1.2	NUM
framr-4075	584	2	.	.	NUM
framr-4075	584	3	improved	improve	VERB
framr-4075	584	4	customer	customer	NOUN
framr-4075	584	5	experience	experience	NOUN
framr-4075	584	6	various	various	ADJ
framr-4075	584	7	innovations	innovation	NOUN
framr-4075	584	8	in	in	ADP
framr-4075	584	9	financial	financial	ADJ
framr-4075	584	10	technology	technology	NOUN
framr-4075	584	11	have	have	AUX
framr-4075	584	12	enhanced	enhance	VERB
framr-4075	584	13	customer	customer	NOUN
framr-4075	584	14	experience	experience	NOUN
framr-4075	584	15	by	by	ADP
framr-4075	584	16	adopting	adopt	VERB
framr-4075	584	17	mobile	mobile	ADJ
framr-4075	584	18	banking	banking	NOUN
framr-4075	584	19	apps	app	NOUN
framr-4075	584	20	and	and	CCONJ
framr-4075	584	21	other	other	ADJ
framr-4075	584	22	online	online	ADJ
framr-4075	584	23	services	service	NOUN
framr-4075	584	24	.	.	PUNCT
framr-4075	585	1	customers	customer	NOUN
framr-4075	585	2	can	can	AUX
framr-4075	585	3	now	now	ADV
framr-4075	585	4	manage	manage	VERB
framr-4075	585	5	their	their	PRON
framr-4075	585	6	banking	banking	NOUN
framr-4075	585	7	needs	need	NOUN
framr-4075	585	8	,	,	PUNCT
framr-4075	585	9	conduct	conduct	VERB
framr-4075	585	10	transactions	transaction	NOUN
framr-4075	585	11	,	,	PUNCT
framr-4075	585	12	borrow	borrow	VERB
framr-4075	585	13	,	,	PUNCT
framr-4075	585	14	invest	invest	VERB
framr-4075	585	15	,	,	PUNCT
framr-4075	585	16	and	and	CCONJ
framr-4075	585	17	more	more	ADV
framr-4075	585	18	,	,	PUNCT
framr-4075	585	19	all	all	ADV
framr-4075	585	20	from	from	ADP
framr-4075	585	21	the	the	DET
framr-4075	585	22	comfort	comfort	NOUN
framr-4075	585	23	of	of	ADP
framr-4075	585	24	their	their	PRON
framr-4075	585	25	homes	home	NOUN
framr-4075	585	26	.	.	PUNCT
framr-4075	586	1	this	this	DET
framr-4075	586	2	convenience	convenience	NOUN
framr-4075	586	3	increases	increase	VERB
framr-4075	586	4	customer	customer	NOUN
framr-4075	586	5	satisfaction	satisfaction	NOUN
framr-4075	586	6	and	and	CCONJ
framr-4075	586	7	,	,	PUNCT
framr-4075	586	8	consequently	consequently	ADV
framr-4075	586	9	,	,	PUNCT
framr-4075	586	10	customer	customer	NOUN
framr-4075	586	11	loyalty	loyalty	NOUN
framr-4075	586	12	.	.	PUNCT
framr-4075	587	1	a	a	DET
framr-4075	587	2	study	study	NOUN
framr-4075	587	3	by	by	ADP
framr-4075	587	4	pricewaterhousecoopers	pricewaterhousecooper	NOUN
framr-4075	587	5	(	(	PUNCT
framr-4075	587	6	pwc	pwc	PROPN
framr-4075	587	7	)	)	PUNCT
framr-4075	587	8	revealed	reveal	VERB
framr-4075	587	9	that	that	SCONJ
framr-4075	587	10	nearly	nearly	ADV
framr-4075	587	11	half	half	NOUN
framr-4075	587	12	of	of	ADP
framr-4075	587	13	consumers	consumer	NOUN
framr-4075	587	14	now	now	ADV
framr-4075	587	15	rely	rely	VERB
framr-4075	587	16	solely	solely	ADV
framr-4075	587	17	on	on	ADP
framr-4075	587	18	digital	digital	ADJ
framr-4075	587	19	means	mean	NOUN
framr-4075	587	20	to	to	PART
framr-4075	587	21	access	access	VERB
framr-4075	587	22	their	their	PRON
framr-4075	587	23	financial	financial	ADJ
framr-4075	587	24	services	service	NOUN
framr-4075	587	25	;	;	PUNCT
framr-4075	587	26	46	46	NUM
framr-4075	587	27	%	%	NOUN
framr-4075	587	28	of	of	ADP
framr-4075	587	29	consumers	consumer	NOUN
framr-4075	587	30	have	have	AUX
framr-4075	587	31	transitioned	transition	VERB
framr-4075	587	32	to	to	ADP
framr-4075	587	33	purely	purely	ADV
framr-4075	587	34	digital	digital	ADJ
framr-4075	587	35	channels	channel	NOUN
framr-4075	587	36	for	for	ADP
framr-4075	587	37	their	their	PRON
framr-4075	587	38	financial	financial	ADJ
framr-4075	587	39	needs	need	NOUN
framr-4075	587	40	(	(	PUNCT
framr-4075	587	41	pwc	pwc	NOUN
framr-4075	587	42	,	,	PUNCT
framr-4075	587	43	2021	2021	NUM
framr-4075	587	44	)	)	PUNCT
framr-4075	587	45	.	.	PUNCT
framr-4075	588	1	8.1.3	8.1.3	NUM
framr-4075	588	2	.	.	PUNCT
framr-4075	588	3	enhanced	enhance	VERB
framr-4075	588	4	fraud	fraud	NOUN
framr-4075	588	5	detection	detection	NOUN
framr-4075	588	6	and	and	CCONJ
framr-4075	588	7	security	security	NOUN
framr-4075	588	8	fintech	fintech	NOUN
framr-4075	588	9	solutions	solution	NOUN
framr-4075	588	10	equipped	equip	VERB
framr-4075	588	11	with	with	ADP
framr-4075	588	12	artificial	artificial	ADJ
framr-4075	588	13	intelligence	intelligence	NOUN
framr-4075	588	14	(	(	PUNCT
framr-4075	588	15	ai	ai	NOUN
framr-4075	588	16	)	)	PUNCT
framr-4075	588	17	and	and	CCONJ
framr-4075	588	18	machine	machine	NOUN
framr-4075	588	19	learning	learning	NOUN
framr-4075	588	20	(	(	PUNCT
framr-4075	588	21	ml	ml	NOUN
framr-4075	588	22	)	)	PUNCT
framr-4075	588	23	algorithms	algorithm	NOUN
framr-4075	588	24	provide	provide	VERB
framr-4075	588	25	robust	robust	ADJ
framr-4075	588	26	fraud	fraud	NOUN
framr-4075	588	27	detection	detection	NOUN
framr-4075	588	28	capabilities	capability	NOUN
framr-4075	588	29	.	.	PUNCT
framr-4075	589	1	systems	system	NOUN
framr-4075	589	2	like	like	ADP
framr-4075	589	3	the	the	DET
framr-4075	589	4	aric	aric	PROPN
framr-4075	589	5	risk	risk	NOUN
framr-4075	589	6	hub	hub	NOUN
framr-4075	589	7	by	by	ADP
framr-4075	589	8	feature	feature	NOUN
framr-4075	589	9	space	space	NOUN
framr-4075	589	10	use	use	VERB
framr-4075	589	11	adaptive	adaptive	ADJ
framr-4075	589	12	behavioral	behavioral	ADJ
framr-4075	589	13	analytics	analytic	NOUN
framr-4075	589	14	to	to	PART
framr-4075	589	15	detect	detect	VERB
framr-4075	589	16	anomalies	anomaly	NOUN
framr-4075	589	17	and	and	CCONJ
framr-4075	589	18	potential	potential	ADJ
framr-4075	589	19	fraud	fraud	NOUN
framr-4075	589	20	in	in	ADP
framr-4075	589	21	real	real	ADJ
framr-4075	589	22	-	-	PUNCT
framr-4075	589	23	time	time	NOUN
framr-4075	589	24	.	.	PUNCT
framr-4075	590	1	these	these	DET
framr-4075	590	2	technologies	technology	NOUN
framr-4075	590	3	have	have	AUX
framr-4075	590	4	been	be	AUX
framr-4075	590	5	shown	show	VERB
framr-4075	590	6	to	to	PART
framr-4075	590	7	block	block	VERB
framr-4075	590	8	up	up	ADP
framr-4075	590	9	to	to	PART
framr-4075	590	10	75	75	NUM
framr-4075	590	11	%	%	NOUN
framr-4075	590	12	of	of	ADP
framr-4075	590	13	fraudulent	fraudulent	ADJ
framr-4075	590	14	transactions	transaction	NOUN
framr-4075	590	15	,	,	PUNCT
framr-4075	590	16	significantly	significantly	ADV
framr-4075	590	17	reducing	reduce	VERB
framr-4075	590	18	financial	financial	ADJ
framr-4075	590	19	losses	loss	NOUN
framr-4075	590	20	and	and	CCONJ
framr-4075	590	21	enhancing	enhance	VERB
framr-4075	590	22	security	security	NOUN
framr-4075	590	23	(	(	PUNCT
framr-4075	590	24	sutton	sutton	PROPN
framr-4075	590	25	,	,	PUNCT
framr-4075	590	26	2022	2022	NUM
framr-4075	590	27	)	)	PUNCT
framr-4075	590	28	.	.	PUNCT
framr-4075	591	1	8.1.4	8.1.4	X
framr-4075	591	2	.	.	PUNCT
framr-4075	592	1	financial	financial	ADJ
framr-4075	592	2	inclusion	inclusion	NOUN
framr-4075	592	3	fintech	fintech	NOUN
framr-4075	592	4	has	have	AUX
framr-4075	592	5	played	play	VERB
framr-4075	592	6	a	a	DET
framr-4075	592	7	crucial	crucial	ADJ
framr-4075	592	8	role	role	NOUN
framr-4075	592	9	in	in	ADP
framr-4075	592	10	promoting	promote	VERB
framr-4075	592	11	financial	financial	ADJ
framr-4075	592	12	inclusion	inclusion	NOUN
framr-4075	592	13	by	by	ADP
framr-4075	592	14	providing	provide	VERB
framr-4075	592	15	financial	financial	ADJ
framr-4075	592	16	services	service	NOUN
framr-4075	592	17	to	to	ADP
framr-4075	592	18	underserved	underserved	ADJ
framr-4075	592	19	populations	population	NOUN
framr-4075	592	20	.	.	PUNCT
framr-4075	593	1	mobile	mobile	ADJ
framr-4075	593	2	banking	banking	NOUN
framr-4075	593	3	and	and	CCONJ
framr-4075	593	4	microfinance	microfinance	NOUN
framr-4075	593	5	platforms	platform	NOUN
framr-4075	593	6	allow	allow	VERB
framr-4075	593	7	individuals	individual	NOUN
framr-4075	593	8	in	in	ADP
framr-4075	593	9	remote	remote	ADJ
framr-4075	593	10	or	or	CCONJ
framr-4075	593	11	underbanked	underbanked	ADJ
framr-4075	593	12	regions	region	NOUN
framr-4075	593	13	to	to	PART
framr-4075	593	14	access	access	VERB
framr-4075	593	15	financial	financial	ADJ
framr-4075	593	16	services	service	NOUN
framr-4075	593	17	,	,	PUNCT
framr-4075	593	18	thereby	thereby	ADV
framr-4075	593	19	fostering	foster	VERB
framr-4075	593	20	economic	economic	ADJ
framr-4075	593	21	growth	growth	NOUN
framr-4075	593	22	.	.	PUNCT
framr-4075	594	1	according	accord	VERB
framr-4075	594	2	to	to	ADP
framr-4075	594	3	the	the	DET
framr-4075	594	4	world	world	PROPN
framr-4075	594	5	bank	bank	PROPN
framr-4075	594	6	,	,	PUNCT
framr-4075	594	7	fintech	fintech	NOUN
framr-4075	594	8	innovations	innovation	NOUN
framr-4075	594	9	have	have	AUX
framr-4075	594	10	contributed	contribute	VERB
framr-4075	594	11	to	to	ADP
framr-4075	594	12	a	a	DET
framr-4075	594	13	20	20	NUM
framr-4075	594	14	%	%	NOUN
framr-4075	594	15	increase	increase	NOUN
framr-4075	594	16	in	in	ADP
framr-4075	594	17	financial	financial	ADJ
framr-4075	594	18	inclusion	inclusion	NOUN
framr-4075	594	19	in	in	ADP
framr-4075	594	20	developing	develop	VERB
framr-4075	594	21	countries	country	NOUN
framr-4075	594	22	over	over	ADP
framr-4075	594	23	the	the	DET
framr-4075	594	24	past	past	ADJ
framr-4075	594	25	decade	decade	NOUN
framr-4075	594	26	(	(	PUNCT
framr-4075	594	27	world	world	PROPN
framr-4075	594	28	bank	bank	NOUN
framr-4075	594	29	,	,	PUNCT
framr-4075	594	30	2022	2022	NUM
framr-4075	594	31	)	)	PUNCT
framr-4075	594	32	.	.	PUNCT
framr-4075	595	1	financial	financial	ADJ
framr-4075	595	2	risk	risk	NOUN
framr-4075	595	3	and	and	CCONJ
framr-4075	595	4	management	management	NOUN
framr-4075	595	5	reviews	review	NOUN
framr-4075	595	6	,	,	PUNCT
framr-4075	595	7	2025	2025	NUM
framr-4075	595	8	,	,	PUNCT
framr-4075	595	9	11(1	11(1	NUM
framr-4075	595	10	):	):	PUNCT
framr-4075	595	11	1	1	NUM
framr-4075	595	12	-	-	SYM
framr-4075	595	13	36	36	NUM
framr-4075	595	14	23	23	NUM
framr-4075	595	15	©	©	PROPN
framr-4075	595	16	2025	2025	NUM
framr-4075	595	17	conscientia	conscientia	PROPN
framr-4075	595	18	beam	beam	PROPN
framr-4075	595	19	.	.	PUNCT
framr-4075	596	1	all	all	DET
framr-4075	596	2	rights	right	NOUN
framr-4075	596	3	reserved	reserve	VERB
framr-4075	596	4	.	.	PUNCT
framr-4075	597	1	8.1.5	8.1.5	X
framr-4075	597	2	.	.	PUNCT
framr-4075	597	3	data	data	NOUN
framr-4075	597	4	-	-	PUNCT
framr-4075	597	5	driven	drive	VERB
framr-4075	597	6	decision	decision	NOUN
framr-4075	597	7	making	make	VERB
framr-4075	597	8	the	the	DET
framr-4075	597	9	vast	vast	ADJ
framr-4075	597	10	amounts	amount	NOUN
framr-4075	597	11	of	of	ADP
framr-4075	597	12	data	datum	NOUN
framr-4075	597	13	generated	generate	VERB
framr-4075	597	14	by	by	ADP
framr-4075	597	15	fintech	fintech	NOUN
framr-4075	597	16	applications	application	NOUN
framr-4075	597	17	enable	enable	VERB
framr-4075	597	18	financial	financial	ADJ
framr-4075	597	19	institutions	institution	NOUN
framr-4075	597	20	to	to	PART
framr-4075	597	21	make	make	VERB
framr-4075	597	22	more	more	ADV
framr-4075	597	23	informed	informed	ADJ
framr-4075	597	24	decisions	decision	NOUN
framr-4075	597	25	.	.	PUNCT
framr-4075	598	1	advanced	advanced	ADJ
framr-4075	598	2	data	datum	NOUN
framr-4075	598	3	analytics	analytic	NOUN
framr-4075	598	4	tools	tool	NOUN
framr-4075	598	5	allow	allow	VERB
framr-4075	598	6	banks	bank	NOUN
framr-4075	598	7	to	to	PART
framr-4075	598	8	analyze	analyze	VERB
framr-4075	598	9	customer	customer	NOUN
framr-4075	598	10	behavior	behavior	NOUN
framr-4075	598	11	,	,	PUNCT
framr-4075	598	12	market	market	NOUN
framr-4075	598	13	trends	trend	NOUN
framr-4075	598	14	,	,	PUNCT
framr-4075	598	15	and	and	CCONJ
framr-4075	598	16	financial	financial	ADJ
framr-4075	598	17	risks	risk	NOUN
framr-4075	598	18	more	more	ADV
framr-4075	598	19	accurately	accurately	ADV
framr-4075	598	20	.	.	PUNCT
framr-4075	599	1	this	this	PRON
framr-4075	599	2	leads	lead	VERB
framr-4075	599	3	to	to	ADP
framr-4075	599	4	better	well	ADJ
framr-4075	599	5	product	product	NOUN
framr-4075	599	6	offerings	offering	NOUN
framr-4075	599	7	,	,	PUNCT
framr-4075	599	8	personalized	personalized	ADJ
framr-4075	599	9	services	service	NOUN
framr-4075	599	10	,	,	PUNCT
framr-4075	599	11	and	and	CCONJ
framr-4075	599	12	efficient	efficient	ADJ
framr-4075	599	13	risk	risk	NOUN
framr-4075	599	14	management	management	NOUN
framr-4075	599	15	.	.	PUNCT
framr-4075	600	1	a	a	DET
framr-4075	600	2	report	report	NOUN
framr-4075	600	3	by	by	ADP
framr-4075	600	4	mckinsey	mckinsey	NOUN
framr-4075	600	5	&	&	CCONJ
framr-4075	600	6	company	company	PROPN
framr-4075	600	7	highlighted	highlight	VERB
framr-4075	600	8	that	that	SCONJ
framr-4075	600	9	data	data	NOUN
framr-4075	600	10	-	-	PUNCT
framr-4075	600	11	driven	drive	VERB
framr-4075	600	12	decision	decision	NOUN
framr-4075	600	13	-	-	PUNCT
framr-4075	600	14	making	make	VERB
framr-4075	600	15	processes	process	NOUN
framr-4075	600	16	can	can	AUX
framr-4075	600	17	increase	increase	VERB
framr-4075	600	18	the	the	DET
framr-4075	600	19	profitability	profitability	NOUN
framr-4075	600	20	of	of	ADP
framr-4075	600	21	financial	financial	ADJ
framr-4075	600	22	institutions	institution	NOUN
framr-4075	600	23	by	by	ADP
framr-4075	600	24	20	20	NUM
framr-4075	600	25	%	%	NOUN
framr-4075	600	26	(	(	PUNCT
framr-4075	600	27	mckinsey	mckinsey	NOUN
framr-4075	600	28	&	&	CCONJ
framr-4075	600	29	company	company	PROPN
framr-4075	600	30	,	,	PUNCT
framr-4075	600	31	2021b	2021b	NUM
framr-4075	600	32	)	)	PUNCT
framr-4075	600	33	.	.	PUNCT
framr-4075	601	1	8.2	8.2	NUM
framr-4075	601	2	.	.	PUNCT
framr-4075	601	3	risks	risk	NOUN
framr-4075	601	4	to	to	ADP
framr-4075	601	5	financial	financial	ADJ
framr-4075	601	6	integrity	integrity	NOUN
framr-4075	601	7	and	and	CCONJ
framr-4075	601	8	strategies	strategy	NOUN
framr-4075	601	9	for	for	ADP
framr-4075	601	10	mitigating	mitigate	VERB
framr-4075	601	11	risks	risk	NOUN
framr-4075	601	12	adopting	adopt	VERB
framr-4075	601	13	new	new	ADJ
framr-4075	601	14	fintech	fintech	NOUN
framr-4075	601	15	solutions	solution	NOUN
framr-4075	601	16	has	have	AUX
framr-4075	601	17	introduced	introduce	VERB
framr-4075	601	18	new	new	ADJ
framr-4075	601	19	threats	threat	NOUN
framr-4075	601	20	to	to	ADP
framr-4075	601	21	financial	financial	ADJ
framr-4075	601	22	stability	stability	NOUN
framr-4075	601	23	and	and	CCONJ
framr-4075	601	24	integrity	integrity	NOUN
framr-4075	601	25	.	.	PUNCT
framr-4075	602	1	while	while	SCONJ
framr-4075	602	2	innovation	innovation	NOUN
framr-4075	602	3	brings	bring	VERB
framr-4075	602	4	numerous	numerous	ADJ
framr-4075	602	5	benefits	benefit	NOUN
framr-4075	602	6	,	,	PUNCT
framr-4075	602	7	it	it	PRON
framr-4075	602	8	poses	pose	VERB
framr-4075	602	9	significant	significant	ADJ
framr-4075	602	10	risks	risk	NOUN
framr-4075	602	11	that	that	PRON
framr-4075	602	12	must	must	AUX
framr-4075	602	13	be	be	AUX
framr-4075	602	14	managed	manage	VERB
framr-4075	602	15	effectively	effectively	ADV
framr-4075	602	16	to	to	PART
framr-4075	602	17	ensure	ensure	VERB
framr-4075	602	18	security	security	NOUN
framr-4075	602	19	and	and	CCONJ
framr-4075	602	20	compliance	compliance	NOUN
framr-4075	602	21	.	.	PUNCT
framr-4075	603	1	8.2.1	8.2.1	X
framr-4075	603	2	.	.	PUNCT
framr-4075	603	3	cybersecurity	cybersecurity	NOUN
framr-4075	603	4	threats	threat	NOUN
framr-4075	603	5	fintech	fintech	NOUN
framr-4075	603	6	relies	rely	VERB
framr-4075	603	7	heavily	heavily	ADV
framr-4075	603	8	on	on	ADP
framr-4075	603	9	digital	digital	ADJ
framr-4075	603	10	platforms	platform	NOUN
framr-4075	603	11	,	,	PUNCT
framr-4075	603	12	making	make	VERB
framr-4075	603	13	financial	financial	ADJ
framr-4075	603	14	institutions	institution	NOUN
framr-4075	603	15	vulnerable	vulnerable	ADJ
framr-4075	603	16	to	to	ADP
framr-4075	603	17	cyber	cyber	NOUN
framr-4075	603	18	risks	risk	NOUN
framr-4075	603	19	.	.	PUNCT
framr-4075	604	1	criminals	criminal	NOUN
framr-4075	604	2	target	target	VERB
framr-4075	604	3	these	these	DET
framr-4075	604	4	platforms	platform	NOUN
framr-4075	604	5	to	to	PART
framr-4075	604	6	exploit	exploit	VERB
framr-4075	604	7	their	their	PRON
framr-4075	604	8	vulnerabilities	vulnerability	NOUN
framr-4075	604	9	.	.	PUNCT
framr-4075	605	1	data	datum	NOUN
framr-4075	605	2	breaches	breach	NOUN
framr-4075	605	3	,	,	PUNCT
framr-4075	605	4	ransomware	ransomware	NOUN
framr-4075	605	5	attacks	attack	NOUN
framr-4075	605	6	,	,	PUNCT
framr-4075	605	7	and	and	CCONJ
framr-4075	605	8	hacking	hacking	NOUN
framr-4075	605	9	can	can	AUX
framr-4075	605	10	result	result	VERB
framr-4075	605	11	in	in	ADP
framr-4075	605	12	substantial	substantial	ADJ
framr-4075	605	13	financial	financial	ADJ
framr-4075	605	14	losses	loss	NOUN
framr-4075	605	15	and	and	CCONJ
framr-4075	605	16	damage	damage	VERB
framr-4075	605	17	the	the	DET
framr-4075	605	18	institution	institution	NOUN
framr-4075	605	19	's	's	PART
framr-4075	605	20	reputation	reputation	NOUN
framr-4075	605	21	.	.	PUNCT
framr-4075	606	1	for	for	ADP
framr-4075	606	2	example	example	NOUN
framr-4075	606	3	,	,	PUNCT
framr-4075	606	4	the	the	DET
framr-4075	606	5	average	average	ADJ
framr-4075	606	6	cost	cost	NOUN
framr-4075	606	7	of	of	ADP
framr-4075	606	8	a	a	DET
framr-4075	606	9	data	data	NOUN
framr-4075	606	10	breach	breach	NOUN
framr-4075	606	11	in	in	ADP
framr-4075	606	12	the	the	DET
framr-4075	606	13	financial	financial	ADJ
framr-4075	606	14	sector	sector	NOUN
framr-4075	606	15	was	be	AUX
framr-4075	606	16	$	$	SYM
framr-4075	606	17	5.72	5.72	NUM
framr-4075	606	18	million	million	NUM
framr-4075	606	19	in	in	ADP
framr-4075	606	20	2021	2021	NUM
framr-4075	606	21	(	(	PUNCT
framr-4075	606	22	ibm	ibm	PROPN
framr-4075	606	23	,	,	PUNCT
framr-4075	606	24	2021	2021	NUM
framr-4075	606	25	)	)	PUNCT
framr-4075	606	26	.	.	PUNCT
framr-4075	607	1	the	the	DET
framr-4075	607	2	interconnected	interconnected	ADJ
framr-4075	607	3	nature	nature	NOUN
framr-4075	607	4	of	of	ADP
framr-4075	607	5	fintech	fintech	NOUN
framr-4075	607	6	systems	system	NOUN
framr-4075	607	7	exacerbates	exacerbate	VERB
framr-4075	607	8	the	the	DET
framr-4075	607	9	issue	issue	NOUN
framr-4075	607	10	,	,	PUNCT
framr-4075	607	11	as	as	SCONJ
framr-4075	607	12	an	an	DET
framr-4075	607	13	attack	attack	NOUN
framr-4075	607	14	on	on	ADP
framr-4075	607	15	one	one	NUM
framr-4075	607	16	part	part	NOUN
framr-4075	607	17	can	can	AUX
framr-4075	607	18	directly	directly	ADV
framr-4075	607	19	impact	impact	VERB
framr-4075	607	20	the	the	DET
framr-4075	607	21	entire	entire	ADJ
framr-4075	607	22	system	system	NOUN
framr-4075	607	23	.	.	PUNCT
framr-4075	608	1	8.2.2	8.2.2	X
framr-4075	608	2	.	.	PUNCT
framr-4075	608	3	regulatory	regulatory	ADJ
framr-4075	608	4	and	and	CCONJ
framr-4075	608	5	compliance	compliance	NOUN
framr-4075	608	6	challenges	challenge	VERB
framr-4075	608	7	rapid	rapid	ADJ
framr-4075	608	8	innovation	innovation	NOUN
framr-4075	608	9	within	within	ADP
framr-4075	608	10	the	the	DET
framr-4075	608	11	fintech	fintech	NOUN
framr-4075	608	12	sector	sector	NOUN
framr-4075	608	13	significantly	significantly	ADV
framr-4075	608	14	pressures	pressure	VERB
framr-4075	608	15	compliance	compliance	NOUN
framr-4075	608	16	.	.	PUNCT
framr-4075	609	1	financial	financial	ADJ
framr-4075	609	2	institutions	institution	NOUN
framr-4075	609	3	must	must	AUX
framr-4075	609	4	navigate	navigate	VERB
framr-4075	609	5	a	a	DET
framr-4075	609	6	complex	complex	ADJ
framr-4075	609	7	and	and	CCONJ
framr-4075	609	8	ever	ever	ADV
framr-4075	609	9	-	-	PUNCT
framr-4075	609	10	evolving	evolve	VERB
framr-4075	609	11	landscape	landscape	NOUN
framr-4075	609	12	of	of	ADP
framr-4075	609	13	regulations	regulation	NOUN
framr-4075	609	14	.	.	PUNCT
framr-4075	610	1	the	the	DET
framr-4075	610	2	challenge	challenge	NOUN
framr-4075	610	3	is	be	AUX
framr-4075	610	4	further	far	ADV
framr-4075	610	5	compounded	compound	VERB
framr-4075	610	6	by	by	ADP
framr-4075	610	7	regional	regional	ADJ
framr-4075	610	8	regulatory	regulatory	ADJ
framr-4075	610	9	differences	difference	NOUN
framr-4075	610	10	,	,	PUNCT
framr-4075	610	11	particularly	particularly	ADV
framr-4075	610	12	for	for	ADP
framr-4075	610	13	institutions	institution	NOUN
framr-4075	610	14	operating	operate	VERB
framr-4075	610	15	in	in	ADP
framr-4075	610	16	multiple	multiple	ADJ
framr-4075	610	17	countries	country	NOUN
framr-4075	610	18	.	.	PUNCT
framr-4075	611	1	non	non	ADJ
framr-4075	611	2	-	-	NOUN
framr-4075	611	3	compliance	compliance	NOUN
framr-4075	611	4	can	can	AUX
framr-4075	611	5	lead	lead	VERB
framr-4075	611	6	to	to	ADP
framr-4075	611	7	severe	severe	ADJ
framr-4075	611	8	fines	fine	NOUN
framr-4075	611	9	and	and	CCONJ
framr-4075	611	10	legal	legal	ADJ
framr-4075	611	11	consequences	consequence	NOUN
framr-4075	611	12	.	.	PUNCT
framr-4075	612	1	in	in	ADP
framr-4075	612	2	2021	2021	NUM
framr-4075	612	3	,	,	PUNCT
framr-4075	612	4	compliance	compliance	NOUN
framr-4075	612	5	expenditures	expenditure	NOUN
framr-4075	612	6	for	for	ADP
framr-4075	612	7	financial	financial	ADJ
framr-4075	612	8	institutions	institution	NOUN
framr-4075	612	9	were	be	AUX
framr-4075	612	10	estimated	estimate	VERB
framr-4075	612	11	at	at	ADP
framr-4075	612	12	$	$	SYM
framr-4075	612	13	270	270	NUM
framr-4075	612	14	billion	billion	NUM
framr-4075	612	15	(	(	PUNCT
framr-4075	612	16	deloitte	deloitte	NOUN
framr-4075	612	17	,	,	PUNCT
framr-4075	612	18	2021	2021	NUM
framr-4075	612	19	)	)	PUNCT
framr-4075	612	20	.	.	PUNCT
framr-4075	613	1	developing	develop	VERB
framr-4075	613	2	and	and	CCONJ
framr-4075	613	3	maintaining	maintain	VERB
framr-4075	613	4	compliance	compliance	NOUN
framr-4075	613	5	frameworks	framework	NOUN
framr-4075	613	6	requires	require	VERB
framr-4075	613	7	ongoing	ongoing	ADJ
framr-4075	613	8	investment	investment	NOUN
framr-4075	613	9	and	and	CCONJ
framr-4075	613	10	adaptation	adaptation	NOUN
framr-4075	613	11	to	to	ADP
framr-4075	613	12	regulatory	regulatory	ADJ
framr-4075	613	13	changes	change	NOUN
framr-4075	613	14	.	.	PUNCT
framr-4075	614	1	8.2.3	8.2.3	X
framr-4075	614	2	.	.	PUNCT
framr-4075	614	3	increased	increase	VERB
framr-4075	614	4	fraud	fraud	NOUN
framr-4075	614	5	and	and	CCONJ
framr-4075	614	6	money	money	NOUN
framr-4075	614	7	laundering	launder	VERB
framr-4075	614	8	the	the	DET
framr-4075	614	9	flexibility	flexibility	NOUN
framr-4075	614	10	offered	offer	VERB
framr-4075	614	11	by	by	ADP
framr-4075	614	12	digital	digital	ADJ
framr-4075	614	13	transactions	transaction	NOUN
framr-4075	614	14	and	and	CCONJ
framr-4075	614	15	cryptocurrencies	cryptocurrencie	NOUN
framr-4075	614	16	can	can	AUX
framr-4075	614	17	facilitate	facilitate	VERB
framr-4075	614	18	fraud	fraud	NOUN
framr-4075	614	19	and	and	CCONJ
framr-4075	614	20	money	money	NOUN
framr-4075	614	21	laundering	laundering	NOUN
framr-4075	614	22	.	.	PUNCT
framr-4075	615	1	according	accord	VERB
framr-4075	615	2	to	to	ADP
framr-4075	615	3	the	the	DET
framr-4075	615	4	european	european	PROPN
framr-4075	615	5	union	union	PROPN
framr-4075	615	6	agency	agency	PROPN
framr-4075	615	7	for	for	ADP
framr-4075	615	8	cybersecurity	cybersecurity	NOUN
framr-4075	615	9	(	(	PUNCT
framr-4075	615	10	enisa	enisa	NOUN
framr-4075	615	11	)	)	PUNCT
framr-4075	615	12	,	,	PUNCT
framr-4075	615	13	there	there	PRON
framr-4075	615	14	was	be	VERB
framr-4075	615	15	a	a	DET
framr-4075	615	16	50	50	NUM
framr-4075	615	17	%	%	NOUN
framr-4075	615	18	increase	increase	NOUN
framr-4075	615	19	in	in	ADP
framr-4075	615	20	financial	financial	ADJ
framr-4075	615	21	crimes	crime	NOUN
framr-4075	615	22	involving	involve	VERB
framr-4075	615	23	cryptocurrencies	cryptocurrencie	NOUN
framr-4075	615	24	within	within	ADP
framr-4075	615	25	a	a	DET
framr-4075	615	26	year	year	NOUN
framr-4075	615	27	(	(	PUNCT
framr-4075	615	28	enisa	enisa	NOUN
framr-4075	615	29	,	,	PUNCT
framr-4075	615	30	2022	2022	NUM
framr-4075	615	31	)	)	PUNCT
framr-4075	615	32	.	.	PUNCT
framr-4075	616	1	criminals	criminal	NOUN
framr-4075	616	2	exploit	exploit	VERB
framr-4075	616	3	gaps	gap	NOUN
framr-4075	616	4	in	in	ADP
framr-4075	616	5	digital	digital	ADJ
framr-4075	616	6	identity	identity	NOUN
framr-4075	616	7	management	management	NOUN
framr-4075	616	8	to	to	PART
framr-4075	616	9	create	create	VERB
framr-4075	616	10	fake	fake	ADJ
framr-4075	616	11	identities	identity	NOUN
framr-4075	616	12	,	,	PUNCT
framr-4075	616	13	leading	lead	VERB
framr-4075	616	14	to	to	ADP
framr-4075	616	15	significant	significant	ADJ
framr-4075	616	16	financial	financial	ADJ
framr-4075	616	17	losses	loss	NOUN
framr-4075	616	18	for	for	ADP
framr-4075	616	19	institutions	institution	NOUN
framr-4075	616	20	and	and	CCONJ
framr-4075	616	21	customers	customer	NOUN
framr-4075	616	22	.	.	PUNCT
framr-4075	617	1	8.2.4	8.2.4	NUM
framr-4075	617	2	.	.	PUNCT
framr-4075	617	3	technological	technological	ADJ
framr-4075	617	4	dependence	dependence	NOUN
framr-4075	617	5	and	and	CCONJ
framr-4075	617	6	system	system	NOUN
framr-4075	617	7	failures	failure	VERB
framr-4075	617	8	heavy	heavy	ADJ
framr-4075	617	9	reliance	reliance	NOUN
framr-4075	617	10	on	on	ADP
framr-4075	617	11	technology	technology	NOUN
framr-4075	617	12	introduces	introduce	NOUN
framr-4075	617	13	risks	risk	NOUN
framr-4075	617	14	related	relate	VERB
framr-4075	617	15	to	to	ADP
framr-4075	617	16	system	system	NOUN
framr-4075	617	17	failures	failure	NOUN
framr-4075	617	18	and	and	CCONJ
framr-4075	617	19	technological	technological	ADJ
framr-4075	617	20	disruptions	disruption	NOUN
framr-4075	617	21	.	.	PUNCT
framr-4075	618	1	technical	technical	ADJ
framr-4075	618	2	glitches	glitch	NOUN
framr-4075	618	3	,	,	PUNCT
framr-4075	618	4	software	software	NOUN
framr-4075	618	5	bugs	bug	NOUN
framr-4075	618	6	,	,	PUNCT
framr-4075	618	7	or	or	CCONJ
framr-4075	618	8	failures	failure	NOUN
framr-4075	618	9	in	in	ADP
framr-4075	618	10	third	third	ADJ
framr-4075	618	11	-	-	PUNCT
framr-4075	618	12	party	party	NOUN
framr-4075	618	13	services	service	NOUN
framr-4075	618	14	can	can	AUX
framr-4075	618	15	disrupt	disrupt	VERB
framr-4075	618	16	operations	operation	NOUN
framr-4075	618	17	,	,	PUNCT
framr-4075	618	18	leading	lead	VERB
framr-4075	618	19	to	to	ADP
framr-4075	618	20	financial	financial	ADJ
framr-4075	618	21	losses	loss	NOUN
framr-4075	618	22	and	and	CCONJ
framr-4075	618	23	customer	customer	NOUN
framr-4075	618	24	dissatisfaction	dissatisfaction	NOUN
framr-4075	618	25	.	.	PUNCT
framr-4075	619	1	for	for	ADP
framr-4075	619	2	instance	instance	NOUN
framr-4075	619	3	,	,	PUNCT
framr-4075	619	4	the	the	DET
framr-4075	619	5	2021	2021	NUM
framr-4075	619	6	outage	outage	NOUN
framr-4075	619	7	of	of	ADP
framr-4075	619	8	the	the	DET
framr-4075	619	9	payment	payment	NOUN
framr-4075	619	10	processing	processing	NOUN
framr-4075	619	11	service	service	NOUN
framr-4075	619	12	fastly	fastly	ADV
framr-4075	619	13	disrupted	disrupt	VERB
framr-4075	619	14	numerous	numerous	ADJ
framr-4075	619	15	financial	financial	ADJ
framr-4075	619	16	services	service	NOUN
framr-4075	619	17	globally	globally	ADV
framr-4075	619	18	(	(	PUNCT
framr-4075	619	19	mckinsey	mckinsey	NOUN
framr-4075	619	20	&	&	CCONJ
framr-4075	619	21	company	company	PROPN
framr-4075	619	22	,	,	PUNCT
framr-4075	619	23	2021a	2021a	NUM
framr-4075	619	24	)	)	PUNCT
framr-4075	619	25	.	.	PUNCT
framr-4075	620	1	this	this	DET
framr-4075	620	2	dependence	dependence	NOUN
framr-4075	620	3	necessitates	necessitate	VERB
framr-4075	620	4	robust	robust	ADJ
framr-4075	620	5	disaster	disaster	NOUN
framr-4075	620	6	recovery	recovery	NOUN
framr-4075	620	7	and	and	CCONJ
framr-4075	620	8	continuity	continuity	NOUN
framr-4075	620	9	planning	planning	NOUN
framr-4075	620	10	.	.	PUNCT
framr-4075	621	1	8.2.5	8.2.5	NUM
framr-4075	621	2	.	.	PUNCT
framr-4075	621	3	privacy	privacy	NOUN
framr-4075	621	4	and	and	CCONJ
framr-4075	621	5	data	datum	NOUN
framr-4075	621	6	protection	protection	NOUN
framr-4075	621	7	concerns	concern	NOUN
framr-4075	621	8	fintech	fintech	NOUN
framr-4075	621	9	’s	’s	PART
framr-4075	621	10	use	use	NOUN
framr-4075	621	11	of	of	ADP
framr-4075	621	12	large	large	ADJ
framr-4075	621	13	volumes	volume	NOUN
framr-4075	621	14	of	of	ADP
framr-4075	621	15	sensitive	sensitive	ADJ
framr-4075	621	16	customer	customer	NOUN
framr-4075	621	17	data	datum	NOUN
framr-4075	621	18	raises	raise	VERB
framr-4075	621	19	significant	significant	ADJ
framr-4075	621	20	privacy	privacy	NOUN
framr-4075	621	21	and	and	CCONJ
framr-4075	621	22	data	datum	NOUN
framr-4075	621	23	protection	protection	NOUN
framr-4075	621	24	concerns	concern	NOUN
framr-4075	621	25	.	.	PUNCT
framr-4075	622	1	compliance	compliance	NOUN
framr-4075	622	2	with	with	ADP
framr-4075	622	3	data	datum	NOUN
framr-4075	622	4	protection	protection	NOUN
framr-4075	622	5	regulations	regulation	NOUN
framr-4075	622	6	,	,	PUNCT
framr-4075	622	7	such	such	ADJ
framr-4075	622	8	as	as	ADP
framr-4075	622	9	the	the	DET
framr-4075	622	10	general	general	ADJ
framr-4075	622	11	data	data	PROPN
framr-4075	622	12	protection	protection	NOUN
framr-4075	622	13	regulation	regulation	NOUN
framr-4075	622	14	(	(	PUNCT
framr-4075	622	15	gdpr	gdpr	NOUN
framr-4075	622	16	)	)	PUNCT
framr-4075	622	17	in	in	ADP
framr-4075	622	18	the	the	DET
framr-4075	622	19	eu	eu	PROPN
framr-4075	622	20	,	,	PUNCT
framr-4075	622	21	is	be	AUX
framr-4075	622	22	crucial	crucial	ADJ
framr-4075	622	23	to	to	PART
framr-4075	622	24	avoid	avoid	VERB
framr-4075	622	25	legal	legal	ADJ
framr-4075	622	26	repercussions	repercussion	NOUN
framr-4075	622	27	and	and	CCONJ
framr-4075	622	28	maintain	maintain	VERB
framr-4075	622	29	customer	customer	NOUN
framr-4075	622	30	trust	trust	PROPN
framr-4075	622	31	.	.	PUNCT
framr-4075	623	1	data	datum	NOUN
framr-4075	623	2	breaches	breach	NOUN
framr-4075	623	3	not	not	PART
framr-4075	623	4	only	only	ADV
framr-4075	623	5	result	result	VERB
framr-4075	623	6	in	in	ADP
framr-4075	623	7	financial	financial	ADJ
framr-4075	623	8	risk	risk	NOUN
framr-4075	623	9	and	and	CCONJ
framr-4075	623	10	management	management	NOUN
framr-4075	623	11	reviews	review	NOUN
framr-4075	623	12	,	,	PUNCT
framr-4075	623	13	2025	2025	NUM
framr-4075	623	14	,	,	PUNCT
framr-4075	623	15	11(1	11(1	NUM
framr-4075	623	16	):	):	PUNCT
framr-4075	623	17	1	1	NUM
framr-4075	623	18	-	-	SYM
framr-4075	623	19	36	36	NUM
framr-4075	623	20	24	24	NUM
framr-4075	623	21	©	©	PROPN
framr-4075	623	22	2025	2025	NUM
framr-4075	623	23	conscientia	conscientia	PROPN
framr-4075	623	24	beam	beam	PROPN
framr-4075	623	25	.	.	PUNCT
framr-4075	624	1	all	all	DET
framr-4075	624	2	rights	right	NOUN
framr-4075	624	3	reserved	reserve	VERB
framr-4075	624	4	.	.	PUNCT
framr-4075	625	1	financial	financial	ADJ
framr-4075	625	2	losses	loss	NOUN
framr-4075	625	3	but	but	CCONJ
framr-4075	625	4	also	also	ADV
framr-4075	625	5	lead	lead	VERB
framr-4075	625	6	to	to	ADP
framr-4075	625	7	severe	severe	ADJ
framr-4075	625	8	reputational	reputational	ADJ
framr-4075	625	9	damage	damage	NOUN
framr-4075	625	10	.	.	PUNCT
framr-4075	626	1	according	accord	VERB
framr-4075	626	2	to	to	ADP
framr-4075	626	3	the	the	DET
framr-4075	626	4	world	world	PROPN
framr-4075	626	5	economic	economic	PROPN
framr-4075	626	6	forum	forum	PROPN
framr-4075	626	7	,	,	PUNCT
framr-4075	626	8	58	58	NUM
framr-4075	626	9	%	%	NOUN
framr-4075	626	10	of	of	ADP
framr-4075	626	11	data	datum	NOUN
framr-4075	626	12	breaches	breach	NOUN
framr-4075	626	13	in	in	ADP
framr-4075	626	14	the	the	DET
framr-4075	626	15	financial	financial	ADJ
framr-4075	626	16	sector	sector	NOUN
framr-4075	626	17	involve	involve	VERB
framr-4075	626	18	insider	insider	NOUN
framr-4075	626	19	threats	threat	NOUN
framr-4075	626	20	,	,	PUNCT
framr-4075	626	21	emphasizing	emphasize	VERB
framr-4075	626	22	the	the	DET
framr-4075	626	23	need	need	NOUN
framr-4075	626	24	for	for	ADP
framr-4075	626	25	stringent	stringent	ADJ
framr-4075	626	26	data	datum	NOUN
framr-4075	626	27	protection	protection	NOUN
framr-4075	626	28	measures	measure	NOUN
framr-4075	626	29	(	(	PUNCT
framr-4075	626	30	world	world	NOUN
framr-4075	626	31	economic	economic	PROPN
framr-4075	626	32	forum	forum	PROPN
framr-4075	626	33	,	,	PUNCT
framr-4075	626	34	2022	2022	NUM
framr-4075	626	35	)	)	PUNCT
framr-4075	626	36	.	.	PUNCT
framr-4075	627	1	the	the	DET
framr-4075	627	2	only	only	ADJ
framr-4075	627	3	way	way	NOUN
framr-4075	627	4	to	to	PART
framr-4075	627	5	counteract	counteract	VERB
framr-4075	627	6	these	these	DET
framr-4075	627	7	threats	threat	NOUN
framr-4075	627	8	with	with	ADP
framr-4075	627	9	any	any	DET
framr-4075	627	10	hope	hope	NOUN
framr-4075	627	11	of	of	ADP
framr-4075	627	12	success	success	NOUN
framr-4075	627	13	is	be	AUX
framr-4075	627	14	through	through	ADP
framr-4075	627	15	financial	financial	ADJ
framr-4075	627	16	institutions	institution	NOUN
framr-4075	627	17	'	'	PART
framr-4075	627	18	heavy	heavy	ADJ
framr-4075	627	19	investment	investment	NOUN
framr-4075	627	20	in	in	ADP
framr-4075	627	21	cybersecurity	cybersecurity	NOUN
framr-4075	627	22	measures	measure	NOUN
framr-4075	627	23	.	.	PUNCT
framr-4075	628	1	this	this	PRON
framr-4075	628	2	involves	involve	VERB
framr-4075	628	3	leveraging	leverage	VERB
framr-4075	628	4	high	high	ADJ
framr-4075	628	5	-	-	PUNCT
framr-4075	628	6	level	level	NOUN
framr-4075	628	7	encryption	encryption	NOUN
framr-4075	628	8	,	,	PUNCT
framr-4075	628	9	two	two	NUM
framr-4075	628	10	-	-	PUNCT
framr-4075	628	11	factor	factor	NOUN
framr-4075	628	12	authentication	authentication	NOUN
framr-4075	628	13	,	,	PUNCT
framr-4075	628	14	and	and	CCONJ
framr-4075	628	15	real	real	ADJ
framr-4075	628	16	-	-	PUNCT
framr-4075	628	17	time	time	NOUN
framr-4075	628	18	network	network	NOUN
framr-4075	628	19	monitoring	monitoring	NOUN
framr-4075	628	20	.	.	PUNCT
framr-4075	629	1	partnering	partner	VERB
framr-4075	629	2	with	with	ADP
framr-4075	629	3	cybersecurity	cybersecurity	NOUN
framr-4075	629	4	companies	company	NOUN
framr-4075	629	5	and	and	CCONJ
framr-4075	629	6	joining	join	VERB
framr-4075	629	7	intelligence	intelligence	NOUN
framr-4075	629	8	-	-	PUNCT
framr-4075	629	9	sharing	share	VERB
framr-4075	629	10	efforts	effort	NOUN
framr-4075	629	11	can	can	AUX
framr-4075	629	12	give	give	VERB
framr-4075	629	13	institutions	institution	NOUN
framr-4075	629	14	an	an	DET
framr-4075	629	15	upper	upper	ADJ
framr-4075	629	16	hand	hand	NOUN
framr-4075	629	17	on	on	ADP
framr-4075	629	18	new	new	ADJ
framr-4075	629	19	threats	threat	NOUN
framr-4075	629	20	.	.	PUNCT
framr-4075	630	1	by	by	ADP
framr-4075	630	2	implementing	implement	VERB
framr-4075	630	3	ai	ai	ADJ
framr-4075	630	4	-	-	PUNCT
framr-4075	630	5	powered	powered	ADJ
framr-4075	630	6	security	security	NOUN
framr-4075	630	7	systems	system	NOUN
framr-4075	630	8	,	,	PUNCT
framr-4075	630	9	organizations	organization	NOUN
framr-4075	630	10	are	be	AUX
framr-4075	630	11	better	well	ADV
framr-4075	630	12	equipped	equip	VERB
framr-4075	630	13	to	to	PART
framr-4075	630	14	detect	detect	VERB
framr-4075	630	15	and	and	CCONJ
framr-4075	630	16	respond	respond	VERB
framr-4075	630	17	to	to	ADP
framr-4075	630	18	threats	threat	NOUN
framr-4075	630	19	quickly	quickly	ADV
framr-4075	630	20	,	,	PUNCT
framr-4075	630	21	creating	create	VERB
framr-4075	630	22	an	an	DET
framr-4075	630	23	added	add	VERB
framr-4075	630	24	level	level	NOUN
framr-4075	630	25	of	of	ADP
framr-4075	630	26	defense	defense	NOUN
framr-4075	630	27	.	.	PUNCT
framr-4075	631	1	table	table	NOUN
framr-4075	631	2	3	3	NUM
framr-4075	631	3	provides	provide	VERB
framr-4075	631	4	an	an	DET
framr-4075	631	5	overview	overview	NOUN
framr-4075	631	6	of	of	ADP
framr-4075	631	7	the	the	DET
framr-4075	631	8	potential	potential	ADJ
framr-4075	631	9	fintech	fintech	NOUN
framr-4075	631	10	-	-	PUNCT
framr-4075	631	11	related	relate	VERB
framr-4075	631	12	risks	risk	NOUN
framr-4075	631	13	,	,	PUNCT
framr-4075	631	14	their	their	PRON
framr-4075	631	15	effects	effect	NOUN
framr-4075	631	16	,	,	PUNCT
framr-4075	631	17	and	and	CCONJ
framr-4075	631	18	strategies	strategy	NOUN
framr-4075	631	19	for	for	ADP
framr-4075	631	20	mitigating	mitigate	VERB
framr-4075	631	21	the	the	DET
framr-4075	631	22	risks	risk	NOUN
framr-4075	631	23	.	.	PUNCT
framr-4075	632	1	table	table	NOUN
framr-4075	632	2	3	3	NUM
framr-4075	632	3	.	.	PUNCT
framr-4075	632	4	risks	risk	NOUN
framr-4075	632	5	and	and	CCONJ
framr-4075	632	6	strategies	strategy	NOUN
framr-4075	632	7	for	for	ADP
framr-4075	632	8	mitigating	mitigate	VERB
framr-4075	632	9	risks	risk	NOUN
framr-4075	632	10	.	.	PUNCT
framr-4075	633	1	risk	risk	NOUN
framr-4075	633	2	impact	impact	NOUN
framr-4075	633	3	mitigation	mitigation	NOUN
framr-4075	633	4	strategies	strategy	NOUN
framr-4075	633	5	cybersecurity	cybersecurity	NOUN
framr-4075	633	6	threats	threat	VERB
framr-4075	633	7	data	data	NOUN
framr-4075	633	8	breaches	breach	NOUN
framr-4075	633	9	,	,	PUNCT
framr-4075	633	10	ransomware	ransomware	NOUN
framr-4075	633	11	attacks	attack	NOUN
framr-4075	633	12	,	,	PUNCT
framr-4075	633	13	financial	financial	ADJ
framr-4075	633	14	losses	loss	NOUN
framr-4075	633	15	,	,	PUNCT
framr-4075	633	16	reputational	reputational	ADJ
framr-4075	633	17	damage	damage	NOUN
framr-4075	633	18	implement	implement	VERB
framr-4075	633	19	advanced	advanced	ADJ
framr-4075	633	20	encryption	encryption	NOUN
framr-4075	633	21	,	,	PUNCT
framr-4075	633	22	multi	multi	ADJ
framr-4075	633	23	-	-	ADJ
framr-4075	633	24	factor	factor	NOUN
framr-4075	633	25	authentication	authentication	NOUN
framr-4075	633	26	,	,	PUNCT
framr-4075	633	27	continuous	continuous	ADJ
framr-4075	633	28	network	network	NOUN
framr-4075	633	29	monitoring	monitoring	NOUN
framr-4075	633	30	,	,	PUNCT
framr-4075	633	31	collaborate	collaborate	VERB
framr-4075	633	32	with	with	ADP
framr-4075	633	33	cybersecurity	cybersecurity	NOUN
framr-4075	633	34	firms	firm	NOUN
framr-4075	633	35	,	,	PUNCT
framr-4075	633	36	participate	participate	VERB
framr-4075	633	37	in	in	ADP
framr-4075	633	38	information	information	NOUN
framr-4075	633	39	-	-	PUNCT
framr-4075	633	40	sharing	share	VERB
framr-4075	633	41	initiatives	initiative	NOUN
framr-4075	633	42	(	(	PUNCT
framr-4075	633	43	ibm	ibm	PROPN
framr-4075	633	44	,	,	PUNCT
framr-4075	633	45	2021	2021	NUM
framr-4075	633	46	)	)	PUNCT
framr-4075	633	47	.	.	PUNCT
framr-4075	634	1	regulatory	regulatory	ADJ
framr-4075	634	2	and	and	CCONJ
framr-4075	634	3	compliance	compliance	NOUN
framr-4075	634	4	challenges	challenge	NOUN
framr-4075	634	5	hefty	hefty	ADJ
framr-4075	634	6	fines	fine	NOUN
framr-4075	634	7	,	,	PUNCT
framr-4075	634	8	legal	legal	ADJ
framr-4075	634	9	repercussions	repercussion	NOUN
framr-4075	634	10	,	,	PUNCT
framr-4075	634	11	operational	operational	ADJ
framr-4075	634	12	disruptions	disruption	NOUN
framr-4075	634	13	establish	establish	VERB
framr-4075	634	14	dedicated	dedicated	ADJ
framr-4075	634	15	compliance	compliance	NOUN
framr-4075	634	16	teams	team	NOUN
framr-4075	634	17	,	,	PUNCT
framr-4075	634	18	engage	engage	VERB
framr-4075	634	19	with	with	ADP
framr-4075	634	20	regulators	regulator	NOUN
framr-4075	634	21	,	,	PUNCT
framr-4075	634	22	invest	invest	VERB
framr-4075	634	23	in	in	ADP
framr-4075	634	24	regtech	regtech	NOUN
framr-4075	634	25	solutions	solution	NOUN
framr-4075	634	26	,	,	PUNCT
framr-4075	634	27	monitor	monitor	VERB
framr-4075	634	28	regulatory	regulatory	ADJ
framr-4075	634	29	changes	change	NOUN
framr-4075	634	30	,	,	PUNCT
framr-4075	634	31	participate	participate	VERB
framr-4075	634	32	in	in	ADP
framr-4075	634	33	industry	industry	NOUN
framr-4075	634	34	forums	forum	NOUN
framr-4075	634	35	(	(	PUNCT
framr-4075	634	36	deloitte	deloitte	NOUN
framr-4075	634	37	,	,	PUNCT
framr-4075	634	38	2021	2021	NUM
framr-4075	634	39	)	)	PUNCT
framr-4075	634	40	.	.	PUNCT
framr-4075	635	1	increased	increase	VERB
framr-4075	635	2	fraud	fraud	NOUN
framr-4075	635	3	and	and	CCONJ
framr-4075	635	4	money	money	NOUN
framr-4075	635	5	laundering	launder	VERB
framr-4075	635	6	financial	financial	ADJ
framr-4075	635	7	losses	loss	NOUN
framr-4075	635	8	,	,	PUNCT
framr-4075	635	9	reputational	reputational	ADJ
framr-4075	635	10	damage	damage	NOUN
framr-4075	635	11	,	,	PUNCT
framr-4075	635	12	regulatory	regulatory	ADJ
framr-4075	635	13	fines	fine	NOUN
framr-4075	635	14	adopt	adopt	VERB
framr-4075	635	15	ai	ai	VERB
framr-4075	635	16	and	and	CCONJ
framr-4075	635	17	ml	ml	NOUN
framr-4075	635	18	-	-	PUNCT
framr-4075	635	19	based	base	VERB
framr-4075	635	20	fraud	fraud	NOUN
framr-4075	635	21	detection	detection	NOUN
framr-4075	635	22	systems	system	NOUN
framr-4075	635	23	,	,	PUNCT
framr-4075	635	24	implement	implement	VERB
framr-4075	635	25	stringent	stringent	ADJ
framr-4075	635	26	kyc	kyc	NOUN
framr-4075	635	27	and	and	CCONJ
framr-4075	635	28	aml	aml	PROPN
framr-4075	635	29	protocols	protocol	NOUN
framr-4075	635	30	,	,	PUNCT
framr-4075	635	31	conduct	conduct	VERB
framr-4075	635	32	regular	regular	ADJ
framr-4075	635	33	audits	audits	NOUN
framr-4075	635	34	and	and	CCONJ
framr-4075	635	35	assessments	assessment	NOUN
framr-4075	635	36	(	(	PUNCT
framr-4075	635	37	enisa	enisa	NOUN
framr-4075	635	38	,	,	PUNCT
framr-4075	635	39	2022	2022	NUM
framr-4075	635	40	)	)	PUNCT
framr-4075	635	41	.	.	PUNCT
framr-4075	636	1	technological	technological	ADJ
framr-4075	636	2	dependence	dependence	NOUN
framr-4075	636	3	system	system	NOUN
framr-4075	636	4	failures	failure	NOUN
framr-4075	636	5	,	,	PUNCT
framr-4075	636	6	operational	operational	ADJ
framr-4075	636	7	disruptions	disruption	NOUN
framr-4075	636	8	,	,	PUNCT
framr-4075	636	9	financial	financial	ADJ
framr-4075	636	10	losses	loss	NOUN
framr-4075	636	11	,	,	PUNCT
framr-4075	636	12	customer	customer	NOUN
framr-4075	636	13	dissatisfaction	dissatisfaction	NOUN
framr-4075	636	14	develop	develop	VERB
framr-4075	636	15	comprehensive	comprehensive	ADJ
framr-4075	636	16	disaster	disaster	NOUN
framr-4075	636	17	recovery	recovery	NOUN
framr-4075	636	18	and	and	CCONJ
framr-4075	636	19	business	business	NOUN
framr-4075	636	20	continuity	continuity	NOUN
framr-4075	636	21	plans	plan	NOUN
framr-4075	636	22	,	,	PUNCT
framr-4075	636	23	invest	invest	VERB
framr-4075	636	24	in	in	ADP
framr-4075	636	25	resilient	resilient	ADJ
framr-4075	636	26	it	it	PRON
framr-4075	636	27	infrastructure	infrastructure	NOUN
framr-4075	636	28	,	,	PUNCT
framr-4075	636	29	conduct	conduct	VERB
framr-4075	636	30	regular	regular	ADJ
framr-4075	636	31	drills	drill	NOUN
framr-4075	636	32	and	and	CCONJ
framr-4075	636	33	simulations	simulation	NOUN
framr-4075	636	34	(	(	PUNCT
framr-4075	636	35	mckinsey	mckinsey	NOUN
framr-4075	636	36	&	&	CCONJ
framr-4075	636	37	company	company	NOUN
framr-4075	636	38	,	,	PUNCT
framr-4075	636	39	2021a	2021a	NUM
framr-4075	636	40	)	)	PUNCT
framr-4075	636	41	.	.	PUNCT
framr-4075	637	1	privacy	privacy	NOUN
framr-4075	637	2	and	and	CCONJ
framr-4075	637	3	data	datum	NOUN
framr-4075	637	4	protection	protection	NOUN
framr-4075	637	5	concerns	concern	VERB
framr-4075	637	6	legal	legal	ADJ
framr-4075	637	7	repercussions	repercussion	NOUN
framr-4075	637	8	,	,	PUNCT
framr-4075	637	9	financial	financial	ADJ
framr-4075	637	10	losses	loss	NOUN
framr-4075	637	11	,	,	PUNCT
framr-4075	637	12	reputational	reputational	ADJ
framr-4075	637	13	damage	damage	NOUN
framr-4075	637	14	comply	comply	NOUN
framr-4075	637	15	with	with	ADP
framr-4075	637	16	data	datum	NOUN
framr-4075	637	17	protection	protection	NOUN
framr-4075	637	18	regulations	regulation	NOUN
framr-4075	637	19	(	(	PUNCT
framr-4075	637	20	e.g.	e.g.	ADV
framr-4075	637	21	,	,	PUNCT
framr-4075	637	22	gdpr	gdpr	NOUN
framr-4075	637	23	)	)	PUNCT
framr-4075	637	24	,	,	PUNCT
framr-4075	637	25	implement	implement	VERB
framr-4075	637	26	stringent	stringent	ADJ
framr-4075	637	27	data	datum	NOUN
framr-4075	637	28	protection	protection	NOUN
framr-4075	637	29	measures	measure	NOUN
framr-4075	637	30	,	,	PUNCT
framr-4075	637	31	conduct	conduct	VERB
framr-4075	637	32	regular	regular	ADJ
framr-4075	637	33	audits	audits	NOUN
framr-4075	637	34	and	and	CCONJ
framr-4075	637	35	assessments	assessment	NOUN
framr-4075	637	36	,	,	PUNCT
framr-4075	637	37	promote	promote	VERB
framr-4075	637	38	a	a	DET
framr-4075	637	39	culture	culture	NOUN
framr-4075	637	40	of	of	ADP
framr-4075	637	41	data	datum	NOUN
framr-4075	637	42	security	security	NOUN
framr-4075	637	43	(	(	PUNCT
framr-4075	637	44	world	world	PROPN
framr-4075	637	45	economic	economic	PROPN
framr-4075	637	46	forum	forum	PROPN
framr-4075	637	47	,	,	PUNCT
framr-4075	637	48	2022	2022	NUM
framr-4075	637	49	)	)	PUNCT
framr-4075	637	50	.	.	PUNCT
framr-4075	638	1	another	another	DET
framr-4075	638	2	critical	critical	ADJ
framr-4075	638	3	factor	factor	NOUN
framr-4075	638	4	in	in	ADP
framr-4075	638	5	risk	risk	NOUN
framr-4075	638	6	management	management	NOUN
framr-4075	638	7	is	be	AUX
framr-4075	638	8	compliance	compliance	NOUN
framr-4075	638	9	.	.	PUNCT
framr-4075	639	1	banks	bank	NOUN
framr-4075	639	2	should	should	AUX
framr-4075	639	3	hire	hire	VERB
framr-4075	639	4	compliance	compliance	NOUN
framr-4075	639	5	officers	officer	NOUN
framr-4075	639	6	to	to	PART
framr-4075	639	7	monitor	monitor	VERB
framr-4075	639	8	regulations	regulation	NOUN
framr-4075	639	9	and	and	CCONJ
framr-4075	639	10	implement	implement	VERB
framr-4075	639	11	changes	change	NOUN
framr-4075	639	12	immediately	immediately	ADV
framr-4075	639	13	.	.	PUNCT
framr-4075	640	1	this	this	DET
framr-4075	640	2	approach	approach	NOUN
framr-4075	640	3	makes	make	VERB
framr-4075	640	4	it	it	PRON
framr-4075	640	5	easier	easy	ADJ
framr-4075	640	6	for	for	SCONJ
framr-4075	640	7	institutions	institution	NOUN
framr-4075	640	8	to	to	PART
framr-4075	640	9	remain	remain	VERB
framr-4075	640	10	compliant	compliant	ADJ
framr-4075	640	11	and	and	CCONJ
framr-4075	640	12	to	to	PART
framr-4075	640	13	understand	understand	VERB
framr-4075	640	14	potential	potential	ADJ
framr-4075	640	15	issues	issue	NOUN
framr-4075	640	16	from	from	ADP
framr-4075	640	17	regulators	regulator	NOUN
framr-4075	640	18	shortly	shortly	ADV
framr-4075	640	19	.	.	PUNCT
framr-4075	641	1	using	use	VERB
framr-4075	641	2	technology	technology	NOUN
framr-4075	641	3	solutions	solution	NOUN
framr-4075	641	4	in	in	ADP
framr-4075	641	5	compliance	compliance	NOUN
framr-4075	641	6	,	,	PUNCT
framr-4075	641	7	such	such	ADJ
framr-4075	641	8	as	as	ADP
framr-4075	641	9	regtechs	regtech	NOUN
framr-4075	641	10	,	,	PUNCT
framr-4075	641	11	is	be	AUX
framr-4075	641	12	another	another	DET
framr-4075	641	13	way	way	NOUN
framr-4075	641	14	to	to	PART
framr-4075	641	15	address	address	VERB
framr-4075	641	16	non	non	ADJ
framr-4075	641	17	-	-	ADJ
framr-4075	641	18	compliance	compliance	ADJ
framr-4075	641	19	risk	risk	NOUN
framr-4075	641	20	,	,	PUNCT
framr-4075	641	21	as	as	SCONJ
framr-4075	641	22	some	some	DET
framr-4075	641	23	processes	process	NOUN
framr-4075	641	24	can	can	AUX
framr-4075	641	25	be	be	AUX
framr-4075	641	26	automated	automate	VERB
framr-4075	641	27	.	.	PUNCT
framr-4075	642	1	the	the	DET
framr-4075	642	2	elements	element	NOUN
framr-4075	642	3	of	of	ADP
framr-4075	642	4	the	the	DET
framr-4075	642	5	right	right	ADJ
framr-4075	642	6	balance	balance	NOUN
framr-4075	642	7	for	for	ADP
framr-4075	642	8	success	success	NOUN
framr-4075	642	9	in	in	ADP
framr-4075	642	10	iot	iot	NOUN
framr-4075	642	11	depend	depend	VERB
framr-4075	642	12	heavily	heavily	ADV
framr-4075	642	13	on	on	ADP
framr-4075	642	14	the	the	DET
framr-4075	642	15	capacity	capacity	NOUN
framr-4075	642	16	of	of	ADP
framr-4075	642	17	financial	financial	ADJ
framr-4075	642	18	institutions	institution	NOUN
framr-4075	642	19	to	to	PART
framr-4075	642	20	combat	combat	VERB
framr-4075	642	21	fraud	fraud	NOUN
framr-4075	642	22	and	and	CCONJ
framr-4075	642	23	money	money	NOUN
framr-4075	642	24	laundering	laundering	NOUN
framr-4075	642	25	.	.	PUNCT
framr-4075	643	1	systems	system	NOUN
framr-4075	643	2	that	that	PRON
framr-4075	643	3	can	can	AUX
framr-4075	643	4	detect	detect	VERB
framr-4075	643	5	deviations	deviation	NOUN
framr-4075	643	6	from	from	ADP
framr-4075	643	7	typical	typical	ADJ
framr-4075	643	8	transactions	transaction	NOUN
framr-4075	643	9	in	in	ADP
framr-4075	643	10	real	real	ADJ
framr-4075	643	11	-	-	PUNCT
framr-4075	643	12	time	time	NOUN
framr-4075	643	13	play	play	VERB
framr-4075	643	14	a	a	DET
framr-4075	643	15	crucial	crucial	ADJ
framr-4075	643	16	role	role	NOUN
framr-4075	643	17	in	in	ADP
framr-4075	643	18	fraud	fraud	NOUN
framr-4075	643	19	prevention	prevention	NOUN
framr-4075	643	20	.	.	PUNCT
framr-4075	644	1	however	however	ADV
framr-4075	644	2	,	,	PUNCT
framr-4075	644	3	it	it	PRON
framr-4075	644	4	's	be	AUX
framr-4075	644	5	the	the	DET
framr-4075	644	6	comprehensive	comprehensive	ADJ
framr-4075	644	7	audits	audits	NOUN
framr-4075	644	8	and	and	CCONJ
framr-4075	644	9	assessments	assessment	NOUN
framr-4075	644	10	that	that	PRON
framr-4075	644	11	truly	truly	ADV
framr-4075	644	12	increase	increase	VERB
framr-4075	644	13	awareness	awareness	NOUN
framr-4075	644	14	of	of	ADP
framr-4075	644	15	weaknesses	weakness	NOUN
framr-4075	644	16	,	,	PUNCT
framr-4075	644	17	providing	provide	VERB
framr-4075	644	18	necessary	necessary	ADJ
framr-4075	644	19	checks	check	NOUN
framr-4075	644	20	for	for	ADP
framr-4075	644	21	a	a	DET
framr-4075	644	22	secure	secure	ADJ
framr-4075	644	23	institution	institution	NOUN
framr-4075	644	24	and	and	CCONJ
framr-4075	644	25	ensuring	ensure	VERB
framr-4075	644	26	the	the	DET
framr-4075	644	27	institution	institution	NOUN
framr-4075	644	28	is	be	AUX
framr-4075	644	29	ready	ready	ADJ
framr-4075	644	30	to	to	PART
framr-4075	644	31	combat	combat	VERB
framr-4075	644	32	fraud	fraud	NOUN
framr-4075	644	33	and	and	CCONJ
framr-4075	644	34	money	money	NOUN
framr-4075	644	35	laundering	laundering	NOUN
framr-4075	644	36	.	.	PUNCT
framr-4075	645	1	disasters	disaster	NOUN
framr-4075	645	2	caused	cause	VERB
framr-4075	645	3	by	by	ADP
framr-4075	645	4	technological	technological	ADJ
framr-4075	645	5	disruptions	disruption	NOUN
framr-4075	645	6	are	be	AUX
framr-4075	645	7	devastating	devastating	ADJ
framr-4075	645	8	and	and	CCONJ
framr-4075	645	9	should	should	AUX
framr-4075	645	10	be	be	AUX
framr-4075	645	11	addressed	address	VERB
framr-4075	645	12	by	by	ADP
framr-4075	645	13	recovery	recovery	NOUN
framr-4075	645	14	and	and	CCONJ
framr-4075	645	15	continuity	continuity	NOUN
framr-4075	645	16	management	management	NOUN
framr-4075	645	17	.	.	PUNCT
framr-4075	646	1	backup	backup	ADJ
framr-4075	646	2	,	,	PUNCT
framr-4075	646	3	redundancy	redundancy	NOUN
framr-4075	646	4	,	,	PUNCT
framr-4075	646	5	and	and	CCONJ
framr-4075	646	6	crisis	crisis	NOUN
framr-4075	646	7	management	management	NOUN
framr-4075	646	8	strategies	strategy	NOUN
framr-4075	646	9	should	should	AUX
framr-4075	646	10	also	also	ADV
framr-4075	646	11	be	be	AUX
framr-4075	646	12	part	part	NOUN
framr-4075	646	13	of	of	ADP
framr-4075	646	14	the	the	DET
framr-4075	646	15	essential	essential	ADJ
framr-4075	646	16	plans	plan	NOUN
framr-4075	646	17	.	.	PUNCT
framr-4075	647	1	banks	bank	NOUN
framr-4075	647	2	should	should	AUX
framr-4075	647	3	train	train	VERB
framr-4075	647	4	through	through	ADP
framr-4075	647	5	drills	drill	NOUN
framr-4075	647	6	and	and	CCONJ
framr-4075	647	7	simulations	simulation	NOUN
framr-4075	647	8	to	to	PART
framr-4075	647	9	ensure	ensure	VERB
framr-4075	647	10	they	they	PRON
framr-4075	647	11	are	be	AUX
framr-4075	647	12	prepared	prepared	ADJ
framr-4075	647	13	to	to	PART
framr-4075	647	14	respond	respond	VERB
framr-4075	647	15	to	to	ADP
framr-4075	647	16	calamities	calamity	NOUN
framr-4075	647	17	in	in	ADP
framr-4075	647	18	various	various	ADJ
framr-4075	647	19	scenarios	scenario	NOUN
framr-4075	647	20	.	.	PUNCT
framr-4075	648	1	methods	method	NOUN
framr-4075	648	2	such	such	ADJ
framr-4075	648	3	as	as	ADP
framr-4075	648	4	establishing	establish	VERB
framr-4075	648	5	a	a	DET
framr-4075	648	6	robust	robust	ADJ
framr-4075	648	7	information	information	NOUN
framr-4075	648	8	technology	technology	NOUN
framr-4075	648	9	framework	framework	NOUN
framr-4075	648	10	and	and	CCONJ
framr-4075	648	11	relying	rely	VERB
framr-4075	648	12	on	on	ADP
framr-4075	648	13	cloud	cloud	NOUN
framr-4075	648	14	services	service	NOUN
framr-4075	648	15	assist	assist	VERB
framr-4075	648	16	in	in	ADP
framr-4075	648	17	improving	improve	VERB
framr-4075	648	18	dependability	dependability	NOUN
framr-4075	648	19	,	,	PUNCT
framr-4075	648	20	thereby	thereby	ADV
framr-4075	648	21	minimizing	minimize	VERB
framr-4075	648	22	the	the	DET
framr-4075	648	23	disruptive	disruptive	ADJ
framr-4075	648	24	effects	effect	NOUN
framr-4075	648	25	on	on	ADP
framr-4075	648	26	activities	activity	NOUN
framr-4075	648	27	.	.	PUNCT
framr-4075	649	1	financial	financial	ADJ
framr-4075	649	2	marketing	marketing	NOUN
framr-4075	649	3	and	and	CCONJ
framr-4075	649	4	customer	customer	NOUN
framr-4075	649	5	education	education	NOUN
framr-4075	649	6	can	can	AUX
framr-4075	649	7	also	also	ADV
framr-4075	649	8	be	be	AUX
framr-4075	649	9	beneficial	beneficial	ADJ
framr-4075	649	10	.	.	PUNCT
framr-4075	650	1	teaching	teach	VERB
framr-4075	650	2	customers	customer	NOUN
framr-4075	650	3	responsible	responsible	ADJ
framr-4075	650	4	behaviors	behavior	NOUN
framr-4075	650	5	and	and	CCONJ
framr-4075	650	6	how	how	SCONJ
framr-4075	650	7	to	to	PART
framr-4075	650	8	protect	protect	VERB
framr-4075	650	9	themselves	themselves	PRON
framr-4075	650	10	while	while	SCONJ
framr-4075	650	11	conducting	conduct	VERB
framr-4075	650	12	transactions	transaction	NOUN
framr-4075	650	13	via	via	ADP
framr-4075	650	14	digital	digital	ADJ
framr-4075	650	15	financial	financial	ADJ
framr-4075	650	16	services	service	NOUN
framr-4075	650	17	will	will	AUX
framr-4075	650	18	significantly	significantly	ADV
framr-4075	650	19	minimize	minimize	VERB
framr-4075	650	20	the	the	DET
framr-4075	650	21	risk	risk	NOUN
framr-4075	650	22	of	of	ADP
framr-4075	650	23	fraud	fraud	NOUN
framr-4075	650	24	.	.	PUNCT
framr-4075	651	1	financial	financial	ADJ
framr-4075	651	2	institutions	institution	NOUN
framr-4075	651	3	must	must	AUX
framr-4075	651	4	offer	offer	VERB
framr-4075	651	5	resources	resource	NOUN
framr-4075	651	6	and	and	CCONJ
framr-4075	651	7	tools	tool	NOUN
framr-4075	651	8	to	to	PART
framr-4075	651	9	help	help	VERB
framr-4075	651	10	customers	customer	NOUN
framr-4075	651	11	recognize	recognize	VERB
framr-4075	651	12	financial	financial	ADJ
framr-4075	651	13	risk	risk	NOUN
framr-4075	651	14	and	and	CCONJ
framr-4075	651	15	management	management	NOUN
framr-4075	651	16	reviews	review	NOUN
framr-4075	651	17	,	,	PUNCT
framr-4075	651	18	2025	2025	NUM
framr-4075	651	19	,	,	PUNCT
framr-4075	651	20	11(1	11(1	NUM
framr-4075	651	21	):	):	PUNCT
framr-4075	651	22	1	1	NUM
framr-4075	651	23	-	-	SYM
framr-4075	651	24	36	36	NUM
framr-4075	651	25	25	25	NUM
framr-4075	651	26	©	©	PROPN
framr-4075	651	27	2025	2025	NUM
framr-4075	651	28	conscientia	conscientia	PROPN
framr-4075	651	29	beam	beam	PROPN
framr-4075	651	30	.	.	PUNCT
framr-4075	652	1	all	all	DET
framr-4075	652	2	rights	right	NOUN
framr-4075	652	3	reserved	reserve	VERB
framr-4075	652	4	.	.	PUNCT
framr-4075	653	1	suspicious	suspicious	ADJ
framr-4075	653	2	activities	activity	NOUN
framr-4075	653	3	,	,	PUNCT
framr-4075	653	4	such	such	ADJ
framr-4075	653	5	as	as	ADP
framr-4075	653	6	mule	mule	ADJ
framr-4075	653	7	accounts	account	NOUN
framr-4075	653	8	,	,	PUNCT
framr-4075	653	9	and	and	CCONJ
framr-4075	653	10	proactively	proactively	ADV
framr-4075	653	11	stay	stay	VERB
framr-4075	653	12	informed	informed	ADJ
framr-4075	653	13	on	on	ADP
framr-4075	653	14	ways	way	NOUN
framr-4075	653	15	to	to	PART
framr-4075	653	16	protect	protect	VERB
framr-4075	653	17	themselves	themselves	PRON
framr-4075	653	18	against	against	ADP
framr-4075	653	19	future	future	ADJ
framr-4075	653	20	financial	financial	ADJ
framr-4075	653	21	crimes	crime	NOUN
framr-4075	653	22	.	.	PUNCT
framr-4075	654	1	this	this	DET
framr-4075	654	2	approach	approach	NOUN
framr-4075	654	3	enhances	enhance	VERB
framr-4075	654	4	security	security	NOUN
framr-4075	654	5	and	and	CCONJ
framr-4075	654	6	builds	build	VERB
framr-4075	654	7	customer	customer	NOUN
framr-4075	654	8	trust	trust	NOUN
framr-4075	654	9	and	and	CCONJ
framr-4075	654	10	confidence	confidence	NOUN
framr-4075	654	11	in	in	ADP
framr-4075	654	12	digital	digital	ADJ
framr-4075	654	13	financial	financial	ADJ
framr-4075	654	14	services	service	NOUN
framr-4075	654	15	.	.	PUNCT
framr-4075	655	1	9	9	X
framr-4075	655	2	.	.	X
framr-4075	655	3	future	future	ADJ
framr-4075	655	4	outlook	outlook	NOUN
framr-4075	655	5	9.1	9.1	NUM
framr-4075	655	6	.	.	PUNCT
framr-4075	656	1	emerging	emerge	VERB
framr-4075	656	2	technologies	technology	NOUN
framr-4075	656	3	and	and	CCONJ
framr-4075	656	4	trends	trend	NOUN
framr-4075	656	5	the	the	DET
framr-4075	656	6	international	international	ADJ
framr-4075	656	7	monetary	monetary	ADJ
framr-4075	656	8	fund	fund	NOUN
framr-4075	656	9	(	(	PUNCT
framr-4075	656	10	imf	imf	PROPN
framr-4075	656	11	)	)	PUNCT
framr-4075	656	12	is	be	AUX
framr-4075	656	13	focusing	focus	VERB
framr-4075	656	14	on	on	ADP
framr-4075	656	15	utilizing	utilize	VERB
framr-4075	656	16	distributed	distribute	VERB
framr-4075	656	17	ledger	ledger	NOUN
framr-4075	656	18	technology	technology	NOUN
framr-4075	656	19	to	to	PART
framr-4075	656	20	leverage	leverage	VERB
framr-4075	656	21	fintech	fintech	NOUN
framr-4075	656	22	for	for	ADP
framr-4075	656	23	cross	cross	ADJ
framr-4075	656	24	-	-	ADJ
framr-4075	656	25	border	border	ADJ
framr-4075	656	26	payments	payment	NOUN
framr-4075	656	27	;	;	PUNCT
framr-4075	656	28	augmented	augment	VERB
framr-4075	656	29	reality	reality	NOUN
framr-4075	656	30	to	to	PART
framr-4075	656	31	improve	improve	VERB
framr-4075	656	32	customer	customer	NOUN
framr-4075	656	33	satisfaction	satisfaction	NOUN
framr-4075	656	34	is	be	AUX
framr-4075	656	35	one	one	NUM
framr-4075	656	36	of	of	ADP
framr-4075	656	37	the	the	DET
framr-4075	656	38	rising	rise	VERB
framr-4075	656	39	themes	theme	NOUN
framr-4075	656	40	.	.	PUNCT
framr-4075	657	1	digital	digital	ADJ
framr-4075	657	2	invoicing	invoicing	NOUN
framr-4075	657	3	,	,	PUNCT
framr-4075	657	4	digital	digital	ADJ
framr-4075	657	5	insurance	insurance	NOUN
framr-4075	657	6	,	,	PUNCT
framr-4075	657	7	crowdsourcing	crowdsourcing	NOUN
framr-4075	657	8	,	,	PUNCT
framr-4075	657	9	investing	invest	VERB
framr-4075	657	10	in	in	ADP
framr-4075	657	11	crowds	crowd	NOUN
framr-4075	657	12	,	,	PUNCT
framr-4075	657	13	robotics	robotic	NOUN
framr-4075	657	14	investment	investment	NOUN
framr-4075	657	15	advising	advising	NOUN
framr-4075	657	16	,	,	PUNCT
framr-4075	657	17	the	the	DET
framr-4075	657	18	regulatory	regulatory	ADJ
framr-4075	657	19	function	function	NOUN
framr-4075	657	20	of	of	ADP
framr-4075	657	21	central	central	ADJ
framr-4075	657	22	banks	bank	NOUN
framr-4075	657	23	and	and	CCONJ
framr-4075	657	24	their	their	PRON
framr-4075	657	25	future	future	ADJ
framr-4075	657	26	connections	connection	NOUN
framr-4075	657	27	with	with	ADP
framr-4075	657	28	fintech	fintech	NOUN
framr-4075	657	29	companies	company	NOUN
framr-4075	657	30	(	(	PUNCT
framr-4075	657	31	pant	pant	NOUN
framr-4075	657	32	,	,	PUNCT
framr-4075	657	33	2020	2020	NUM
framr-4075	657	34	)	)	PUNCT
framr-4075	657	35	.	.	PUNCT
framr-4075	658	1	emerging	emerge	VERB
framr-4075	658	2	trends	trend	NOUN
framr-4075	658	3	include	include	VERB
framr-4075	658	4	the	the	DET
framr-4075	658	5	use	use	NOUN
framr-4075	658	6	of	of	ADP
framr-4075	658	7	mobile	mobile	ADJ
framr-4075	658	8	wallets	wallet	NOUN
framr-4075	658	9	,	,	PUNCT
framr-4075	658	10	the	the	DET
framr-4075	658	11	rise	rise	NOUN
framr-4075	658	12	of	of	ADP
framr-4075	658	13	virtualized	virtualized	ADJ
framr-4075	658	14	neo	neo	NOUN
framr-4075	658	15	-	-	NOUN
framr-4075	658	16	banks	bank	NOUN
framr-4075	658	17	,	,	PUNCT
framr-4075	658	18	and	and	CCONJ
framr-4075	658	19	the	the	DET
framr-4075	658	20	increased	increase	VERB
framr-4075	658	21	interaction	interaction	NOUN
framr-4075	658	22	of	of	ADP
framr-4075	658	23	millennial	millennial	ADJ
framr-4075	658	24	consumers	consumer	NOUN
framr-4075	658	25	with	with	ADP
framr-4075	658	26	internet	internet	NOUN
framr-4075	658	27	giants	giant	NOUN
framr-4075	658	28	like	like	ADP
framr-4075	658	29	google	google	PROPN
framr-4075	658	30	and	and	CCONJ
framr-4075	658	31	amazon	amazon	NOUN
framr-4075	658	32	.	.	PUNCT
framr-4075	659	1	these	these	DET
framr-4075	659	2	companies	company	NOUN
framr-4075	659	3	have	have	AUX
framr-4075	659	4	used	use	VERB
framr-4075	659	5	blockchain	blockchain	NOUN
framr-4075	659	6	for	for	ADP
framr-4075	659	7	peer	peer	NOUN
framr-4075	659	8	-	-	PUNCT
framr-4075	659	9	to	to	ADP
framr-4075	659	10	-	-	PUNCT
framr-4075	659	11	peer	peer	NOUN
framr-4075	659	12	lending	lending	NOUN
framr-4075	659	13	and	and	CCONJ
framr-4075	659	14	contract	contract	NOUN
framr-4075	659	15	administration	administration	NOUN
framr-4075	659	16	,	,	PUNCT
framr-4075	659	17	artificial	artificial	ADJ
framr-4075	659	18	intelligence	intelligence	NOUN
framr-4075	659	19	for	for	ADP
framr-4075	659	20	investment	investment	NOUN
framr-4075	659	21	advice	advice	NOUN
framr-4075	659	22	,	,	PUNCT
framr-4075	659	23	machine	machine	NOUN
framr-4075	659	24	learning	learning	NOUN
framr-4075	659	25	and	and	CCONJ
framr-4075	659	26	data	datum	NOUN
framr-4075	659	27	analytics	analytic	NOUN
framr-4075	659	28	for	for	ADP
framr-4075	659	29	customer	customer	NOUN
framr-4075	659	30	service	service	NOUN
framr-4075	659	31	,	,	PUNCT
framr-4075	659	32	etc	etc	X
framr-4075	659	33	.	.	X
framr-4075	659	34	augmented	augment	VERB
framr-4075	659	35	reality	reality	NOUN
framr-4075	659	36	(	(	PUNCT
framr-4075	659	37	ar	ar	NOUN
framr-4075	659	38	)	)	PUNCT
framr-4075	659	39	has	have	VERB
framr-4075	659	40	the	the	DET
framr-4075	659	41	potential	potential	NOUN
framr-4075	659	42	to	to	PART
framr-4075	659	43	significantly	significantly	ADV
framr-4075	659	44	differentiate	differentiate	VERB
framr-4075	659	45	services	service	NOUN
framr-4075	659	46	from	from	ADP
framr-4075	659	47	one	one	NUM
framr-4075	659	48	another	another	DET
framr-4075	659	49	and	and	CCONJ
framr-4075	659	50	improve	improve	VERB
framr-4075	659	51	client	client	NOUN
framr-4075	659	52	engagement	engagement	NOUN
framr-4075	659	53	.	.	PUNCT
framr-4075	660	1	with	with	ADP
framr-4075	660	2	ar	ar	PROPN
framr-4075	660	3	,	,	PUNCT
framr-4075	660	4	users	user	NOUN
framr-4075	660	5	may	may	AUX
framr-4075	660	6	view	view	VERB
framr-4075	660	7	information	information	NOUN
framr-4075	660	8	in	in	ADP
framr-4075	660	9	a	a	DET
framr-4075	660	10	clear	clear	ADJ
framr-4075	660	11	,	,	PUNCT
framr-4075	660	12	simple	simple	ADJ
framr-4075	660	13	,	,	PUNCT
framr-4075	660	14	and	and	CCONJ
framr-4075	660	15	immersive	immersive	ADJ
framr-4075	660	16	manner	manner	NOUN
framr-4075	660	17	(	(	PUNCT
framr-4075	660	18	dubey	dubey	PROPN
framr-4075	660	19	,	,	PUNCT
framr-4075	660	20	2019	2019	NUM
framr-4075	660	21	)	)	PUNCT
framr-4075	660	22	.	.	PUNCT
framr-4075	661	1	fintech	fintech	NOUN
framr-4075	661	2	companies	company	NOUN
framr-4075	661	3	employ	employ	VERB
framr-4075	661	4	a	a	DET
framr-4075	661	5	variety	variety	NOUN
framr-4075	661	6	of	of	ADP
framr-4075	661	7	significant	significant	ADJ
framr-4075	661	8	technologies	technology	NOUN
framr-4075	661	9	in	in	ADP
framr-4075	661	10	their	their	PRON
framr-4075	661	11	product	product	NOUN
framr-4075	661	12	development	development	NOUN
framr-4075	661	13	processes	process	NOUN
framr-4075	661	14	,	,	PUNCT
framr-4075	661	15	including	include	VERB
framr-4075	661	16	blockchain	blockchain	NOUN
framr-4075	661	17	,	,	PUNCT
framr-4075	661	18	machine	machine	NOUN
framr-4075	661	19	learning	learning	NOUN
framr-4075	661	20	,	,	PUNCT
framr-4075	661	21	artificial	artificial	ADJ
framr-4075	661	22	intelligence	intelligence	NOUN
framr-4075	661	23	,	,	PUNCT
framr-4075	661	24	data	datum	NOUN
framr-4075	661	25	analytics	analytic	NOUN
framr-4075	661	26	,	,	PUNCT
framr-4075	661	27	robots	robot	NOUN
framr-4075	661	28	,	,	PUNCT
framr-4075	661	29	and	and	CCONJ
framr-4075	661	30	cloud	cloud	NOUN
framr-4075	661	31	computing	computing	NOUN
framr-4075	661	32	.	.	PUNCT
framr-4075	662	1	according	accord	VERB
framr-4075	662	2	to	to	ADP
framr-4075	662	3	an	an	DET
framr-4075	662	4	evidence	evidence	NOUN
framr-4075	662	5	-	-	PUNCT
framr-4075	662	6	based	base	VERB
framr-4075	662	7	analysis	analysis	NOUN
framr-4075	662	8	,	,	PUNCT
framr-4075	662	9	the	the	DET
framr-4075	662	10	three	three	NUM
framr-4075	662	11	most	most	ADV
framr-4075	662	12	beneficial	beneficial	ADJ
framr-4075	662	13	breakthroughs	breakthrough	NOUN
framr-4075	662	14	for	for	ADP
framr-4075	662	15	the	the	DET
framr-4075	662	16	financial	financial	ADJ
framr-4075	662	17	sector	sector	NOUN
framr-4075	662	18	are	be	AUX
framr-4075	662	19	blockchain	blockchain	NOUN
framr-4075	662	20	,	,	PUNCT
framr-4075	662	21	robo	robo	NOUN
framr-4075	662	22	-	-	PUNCT
framr-4075	662	23	advising	advising	NOUN
framr-4075	662	24	,	,	PUNCT
framr-4075	662	25	and	and	CCONJ
framr-4075	662	26	the	the	DET
framr-4075	662	27	internet	internet	NOUN
framr-4075	662	28	of	of	ADP
framr-4075	662	29	things	thing	NOUN
framr-4075	662	30	(	(	PUNCT
framr-4075	662	31	iot	iot	NOUN
framr-4075	662	32	)	)	PUNCT
framr-4075	662	33	(	(	PUNCT
framr-4075	662	34	chen	chen	PROPN
framr-4075	662	35	,	,	PUNCT
framr-4075	662	36	wu	wu	PROPN
framr-4075	662	37	,	,	PUNCT
framr-4075	662	38	&	&	CCONJ
framr-4075	662	39	yang	yang	PROPN
framr-4075	662	40	,	,	PUNCT
framr-4075	662	41	2019	2019	NUM
framr-4075	662	42	)	)	PUNCT
framr-4075	662	43	.	.	PUNCT
framr-4075	663	1	unmanned	unmanned	ADJ
framr-4075	663	2	aerial	aerial	ADJ
framr-4075	663	3	vehicles	vehicle	NOUN
framr-4075	663	4	have	have	AUX
framr-4075	663	5	been	be	AUX
framr-4075	663	6	used	use	VERB
framr-4075	663	7	in	in	ADP
framr-4075	663	8	the	the	DET
framr-4075	663	9	insurance	insurance	NOUN
framr-4075	663	10	,	,	PUNCT
framr-4075	663	11	financial	financial	ADJ
framr-4075	663	12	,	,	PUNCT
framr-4075	663	13	and	and	CCONJ
framr-4075	663	14	underwriting	underwriting	NOUN
framr-4075	663	15	domains	domain	NOUN
framr-4075	663	16	employing	employ	VERB
framr-4075	663	17	sensor	sensor	NOUN
framr-4075	663	18	data	data	NOUN
framr-4075	663	19	collection	collection	NOUN
framr-4075	663	20	and	and	CCONJ
framr-4075	663	21	wireless	wireless	ADJ
framr-4075	663	22	transmission	transmission	NOUN
framr-4075	663	23	to	to	PART
framr-4075	663	24	adjust	adjust	VERB
framr-4075	663	25	insurance	insurance	NOUN
framr-4075	663	26	claims	claim	NOUN
framr-4075	663	27	(	(	PUNCT
framr-4075	663	28	luciani	luciani	PROPN
framr-4075	663	29	,	,	PUNCT
framr-4075	663	30	distasio	distasio	PROPN
framr-4075	663	31	,	,	PUNCT
framr-4075	663	32	bungert	bungert	ADJ
framr-4075	663	33	,	,	PUNCT
framr-4075	663	34	sumner	sumner	PROPN
framr-4075	663	35	,	,	PUNCT
framr-4075	663	36	&	&	CCONJ
framr-4075	663	37	bozzo	bozzo	PROPN
framr-4075	663	38	,	,	PUNCT
framr-4075	663	39	2016	2016	NUM
framr-4075	663	40	)	)	PUNCT
framr-4075	663	41	.	.	PUNCT
framr-4075	664	1	china	china	PROPN
framr-4075	664	2	and	and	CCONJ
framr-4075	664	3	india	india	PROPN
framr-4075	664	4	are	be	AUX
framr-4075	664	5	the	the	DET
framr-4075	664	6	world	world	NOUN
framr-4075	664	7	's	's	PART
framr-4075	664	8	leaders	leader	NOUN
framr-4075	664	9	in	in	ADP
framr-4075	664	10	the	the	DET
framr-4075	664	11	adoption	adoption	NOUN
framr-4075	664	12	and	and	CCONJ
framr-4075	664	13	awareness	awareness	NOUN
framr-4075	664	14	of	of	ADP
framr-4075	664	15	digital	digital	ADJ
framr-4075	664	16	payments	payment	NOUN
framr-4075	664	17	.	.	PUNCT
framr-4075	665	1	it	it	PRON
framr-4075	665	2	is	be	AUX
framr-4075	665	3	now	now	ADV
framr-4075	665	4	the	the	DET
framr-4075	665	5	foundation	foundation	NOUN
framr-4075	665	6	of	of	ADP
framr-4075	665	7	many	many	ADJ
framr-4075	665	8	non	non	ADJ
framr-4075	665	9	-	-	ADJ
framr-4075	665	10	financial	financial	ADJ
framr-4075	665	11	businesses	business	NOUN
framr-4075	665	12	,	,	PUNCT
framr-4075	665	13	including	include	VERB
framr-4075	665	14	fast	fast	ADV
framr-4075	665	15	-	-	PUNCT
framr-4075	665	16	moving	move	VERB
framr-4075	665	17	consumer	consumer	NOUN
framr-4075	665	18	goods	good	NOUN
framr-4075	665	19	(	(	PUNCT
framr-4075	665	20	fmcg	fmcg	PROPN
framr-4075	665	21	)	)	PUNCT
framr-4075	665	22	(	(	PUNCT
framr-4075	665	23	point	point	NOUN
framr-4075	665	24	of	of	ADP
framr-4075	665	25	sale	sale	NOUN
framr-4075	665	26	)	)	PUNCT
framr-4075	665	27	,	,	PUNCT
framr-4075	665	28	e	e	X
framr-4075	665	29	-	-	NOUN
framr-4075	665	30	commerce	commerce	NOUN
framr-4075	665	31	,	,	PUNCT
framr-4075	665	32	insurance	insurance	NOUN
framr-4075	665	33	(	(	PUNCT
framr-4075	665	34	comparison	comparison	NOUN
framr-4075	665	35	,	,	PUNCT
framr-4075	665	36	purchase	purchase	NOUN
framr-4075	665	37	)	)	PUNCT
framr-4075	665	38	,	,	PUNCT
framr-4075	665	39	telecom	telecom	NOUN
framr-4075	665	40	&	&	CCONJ
framr-4075	665	41	utility	utility	NOUN
framr-4075	665	42	(	(	PUNCT
framr-4075	665	43	recharges	recharge	VERB
framr-4075	665	44	,	,	PUNCT
framr-4075	665	45	bill	bill	NOUN
framr-4075	665	46	payments	payment	NOUN
framr-4075	665	47	)	)	PUNCT
framr-4075	665	48	,	,	PUNCT
framr-4075	665	49	travel	travel	NOUN
framr-4075	665	50	(	(	PUNCT
framr-4075	665	51	bookings	booking	NOUN
framr-4075	665	52	,	,	PUNCT
framr-4075	665	53	payments	payment	NOUN
framr-4075	665	54	,	,	PUNCT
framr-4075	665	55	offers	offer	NOUN
framr-4075	665	56	)	)	PUNCT
framr-4075	665	57	,	,	PUNCT
framr-4075	665	58	hospitality	hospitality	NOUN
framr-4075	665	59	(	(	PUNCT
framr-4075	665	60	booking	booking	NOUN
framr-4075	665	61	,	,	PUNCT
framr-4075	665	62	payments	payment	NOUN
framr-4075	665	63	)	)	PUNCT
framr-4075	665	64	,	,	PUNCT
framr-4075	665	65	entertainment	entertainment	NOUN
framr-4075	665	66	(	(	PUNCT
framr-4075	665	67	content	content	NOUN
framr-4075	665	68	purchases	purchase	NOUN
framr-4075	665	69	)	)	PUNCT
framr-4075	665	70	,	,	PUNCT
framr-4075	665	71	and	and	CCONJ
framr-4075	665	72	fmcg	fmcg	NOUN
framr-4075	665	73	(	(	PUNCT
framr-4075	665	74	travel	travel	NOUN
framr-4075	665	75	)	)	PUNCT
framr-4075	665	76	.	.	PUNCT
framr-4075	666	1	even	even	ADV
framr-4075	666	2	in	in	ADP
framr-4075	666	3	many	many	ADJ
framr-4075	666	4	nations	nation	NOUN
framr-4075	666	5	,	,	PUNCT
framr-4075	666	6	such	such	ADJ
framr-4075	666	7	as	as	ADP
framr-4075	666	8	india	india	PROPN
framr-4075	666	9	,	,	PUNCT
framr-4075	666	10	the	the	DET
framr-4075	666	11	government	government	NOUN
framr-4075	666	12	transfers	transfer	VERB
framr-4075	666	13	funds	fund	NOUN
framr-4075	666	14	directly	directly	ADV
framr-4075	666	15	for	for	ADP
framr-4075	666	16	purchases	purchase	NOUN
framr-4075	666	17	and	and	CCONJ
framr-4075	666	18	subsidies	subsidy	NOUN
framr-4075	666	19	to	to	PART
framr-4075	666	20	cut	cut	VERB
framr-4075	666	21	down	down	ADP
framr-4075	666	22	on	on	ADP
framr-4075	666	23	corruption	corruption	NOUN
framr-4075	666	24	and	and	CCONJ
framr-4075	666	25	save	save	VERB
framr-4075	666	26	transaction	transaction	NOUN
framr-4075	666	27	costs	cost	NOUN
framr-4075	666	28	.	.	PUNCT
framr-4075	667	1	with	with	ADP
framr-4075	667	2	more	more	ADJ
framr-4075	667	3	innovation	innovation	NOUN
framr-4075	667	4	,	,	PUNCT
framr-4075	667	5	digital	digital	ADJ
framr-4075	667	6	payments	payment	NOUN
framr-4075	667	7	will	will	AUX
framr-4075	667	8	remain	remain	VERB
framr-4075	667	9	a	a	DET
framr-4075	667	10	fundamental	fundamental	ADJ
framr-4075	667	11	component	component	NOUN
framr-4075	667	12	of	of	ADP
framr-4075	667	13	fintech	fintech	NOUN
framr-4075	667	14	services	service	NOUN
framr-4075	667	15	(	(	PUNCT
framr-4075	667	16	pant	pant	NOUN
framr-4075	667	17	,	,	PUNCT
framr-4075	667	18	2020	2020	NUM
framr-4075	667	19	)	)	PUNCT
framr-4075	667	20	.	.	PUNCT
framr-4075	668	1	robotic	robotic	ADJ
framr-4075	668	2	advisors	advisor	NOUN
framr-4075	668	3	and	and	CCONJ
framr-4075	668	4	chatbots	chatbot	NOUN
framr-4075	668	5	are	be	AUX
framr-4075	668	6	perceived	perceive	VERB
framr-4075	668	7	as	as	ADP
framr-4075	668	8	ways	way	NOUN
framr-4075	668	9	to	to	PART
framr-4075	668	10	assist	assist	VERB
framr-4075	668	11	clients	client	NOUN
framr-4075	668	12	that	that	SCONJ
framr-4075	668	13	human	human	ADJ
framr-4075	668	14	advisors	advisor	NOUN
framr-4075	668	15	can	can	AUX
framr-4075	668	16	not	not	PART
framr-4075	668	17	.	.	PUNCT
framr-4075	669	1	for	for	ADP
framr-4075	669	2	example	example	NOUN
framr-4075	669	3	,	,	PUNCT
framr-4075	669	4	unlike	unlike	ADP
framr-4075	669	5	human	human	ADJ
framr-4075	669	6	advisors	advisor	NOUN
framr-4075	669	7	,	,	PUNCT
framr-4075	669	8	robo	robo	NOUN
framr-4075	669	9	-	-	PUNCT
framr-4075	669	10	advisers	adviser	NOUN
framr-4075	669	11	often	often	ADV
framr-4075	669	12	use	use	VERB
framr-4075	669	13	technology	technology	NOUN
framr-4075	669	14	that	that	PRON
framr-4075	669	15	may	may	AUX
framr-4075	669	16	simplify	simplify	VERB
framr-4075	669	17	and	and	CCONJ
framr-4075	669	18	expedite	expedite	ADJ
framr-4075	669	19	client	client	NOUN
framr-4075	669	20	communication	communication	NOUN
framr-4075	669	21	,	,	PUNCT
framr-4075	669	22	apply	apply	VERB
framr-4075	669	23	repeatable	repeatable	ADJ
framr-4075	669	24	algorithms	algorithm	NOUN
framr-4075	669	25	based	base	VERB
framr-4075	669	26	on	on	ADP
framr-4075	669	27	financial	financial	ADJ
framr-4075	669	28	theory	theory	NOUN
framr-4075	669	29	,	,	PUNCT
framr-4075	669	30	and	and	CCONJ
framr-4075	669	31	are	be	AUX
framr-4075	669	32	far	far	ADV
framr-4075	669	33	more	more	ADV
framr-4075	669	34	transparent	transparent	ADJ
framr-4075	669	35	(	(	PUNCT
framr-4075	669	36	d’acunto	d’acunto	NOUN
framr-4075	669	37	,	,	PUNCT
framr-4075	669	38	prabhala	prabhala	NOUN
framr-4075	669	39	,	,	PUNCT
framr-4075	669	40	&	&	CCONJ
framr-4075	669	41	rossi	rossi	PROPN
framr-4075	669	42	,	,	PUNCT
framr-4075	669	43	2019	2019	NUM
framr-4075	669	44	)	)	PUNCT
framr-4075	669	45	.	.	PUNCT
framr-4075	670	1	one	one	PRON
framr-4075	670	2	can	can	AUX
framr-4075	670	3	not	not	PART
framr-4075	670	4	isolate	isolate	VERB
framr-4075	670	5	the	the	DET
framr-4075	670	6	application	application	NOUN
framr-4075	670	7	of	of	ADP
framr-4075	670	8	big	big	ADJ
framr-4075	670	9	data	datum	NOUN
framr-4075	670	10	,	,	PUNCT
framr-4075	670	11	ai	ai	VERB
framr-4075	670	12	,	,	PUNCT
framr-4075	670	13	and	and	CCONJ
framr-4075	670	14	machine	machine	NOUN
framr-4075	670	15	learning	learn	VERB
framr-4075	670	16	from	from	ADP
framr-4075	670	17	emerging	emerge	VERB
framr-4075	670	18	technological	technological	ADJ
framr-4075	670	19	advancements	advancement	NOUN
framr-4075	670	20	in	in	ADP
framr-4075	670	21	the	the	DET
framr-4075	670	22	fintech	fintech	NOUN
framr-4075	670	23	industry	industry	NOUN
framr-4075	670	24	.	.	PUNCT
framr-4075	671	1	the	the	DET
framr-4075	671	2	impact	impact	NOUN
framr-4075	671	3	of	of	ADP
framr-4075	671	4	using	use	VERB
framr-4075	671	5	data	datum	NOUN
framr-4075	671	6	is	be	AUX
framr-4075	671	7	wide	wide	ADV
framr-4075	671	8	-	-	PUNCT
framr-4075	671	9	ranging	range	VERB
framr-4075	671	10	and	and	CCONJ
framr-4075	671	11	complex	complex	NOUN
framr-4075	671	12	,	,	PUNCT
framr-4075	671	13	which	which	PRON
framr-4075	671	14	is	be	AUX
framr-4075	671	15	why	why	SCONJ
framr-4075	671	16	this	this	DET
framr-4075	671	17	sector	sector	NOUN
framr-4075	671	18	is	be	AUX
framr-4075	671	19	so	so	ADV
framr-4075	671	20	concerned	concerned	ADJ
framr-4075	671	21	about	about	ADP
framr-4075	671	22	data	datum	NOUN
framr-4075	671	23	security	security	NOUN
framr-4075	671	24	.	.	PUNCT
framr-4075	672	1	in	in	ADP
framr-4075	672	2	this	this	DET
framr-4075	672	3	setting	setting	NOUN
framr-4075	672	4	,	,	PUNCT
framr-4075	672	5	data	datum	NOUN
framr-4075	672	6	security	security	NOUN
framr-4075	672	7	is	be	AUX
framr-4075	672	8	just	just	ADV
framr-4075	672	9	as	as	ADV
framr-4075	672	10	important	important	ADJ
framr-4075	672	11	as	as	ADP
framr-4075	672	12	technical	technical	ADJ
framr-4075	672	13	security	security	NOUN
framr-4075	672	14	.	.	PUNCT
framr-4075	673	1	fintech	fintech	NOUN
framr-4075	673	2	must	must	AUX
framr-4075	673	3	safeguard	safeguard	VERB
framr-4075	673	4	customers	customer	NOUN
framr-4075	673	5	from	from	ADP
framr-4075	673	6	problems	problem	NOUN
framr-4075	673	7	with	with	ADP
framr-4075	673	8	data	datum	NOUN
framr-4075	673	9	breaches	breach	NOUN
framr-4075	673	10	and	and	CCONJ
framr-4075	673	11	limitations	limitation	NOUN
framr-4075	673	12	on	on	ADP
framr-4075	673	13	data	datum	NOUN
framr-4075	673	14	access	access	NOUN
framr-4075	673	15	,	,	PUNCT
framr-4075	673	16	including	include	VERB
framr-4075	673	17	the	the	DET
framr-4075	673	18	security	security	NOUN
framr-4075	673	19	of	of	ADP
framr-4075	673	20	personal	personal	ADJ
framr-4075	673	21	data	datum	NOUN
framr-4075	673	22	.	.	PUNCT
framr-4075	674	1	therefore	therefore	ADV
framr-4075	674	2	,	,	PUNCT
framr-4075	674	3	it	it	PRON
framr-4075	674	4	is	be	AUX
framr-4075	674	5	necessary	necessary	ADJ
framr-4075	674	6	to	to	PART
framr-4075	674	7	have	have	VERB
framr-4075	674	8	rigorous	rigorous	ADJ
framr-4075	674	9	regulations	regulation	NOUN
framr-4075	674	10	about	about	ADP
framr-4075	674	11	the	the	DET
framr-4075	674	12	security	security	NOUN
framr-4075	674	13	of	of	ADP
framr-4075	674	14	personal	personal	ADJ
framr-4075	674	15	data	datum	NOUN
framr-4075	674	16	.	.	PUNCT
framr-4075	675	1	digital	digital	ADJ
framr-4075	675	2	literacy	literacy	NOUN
framr-4075	675	3	is	be	AUX
framr-4075	675	4	another	another	DET
framr-4075	675	5	thing	thing	NOUN
framr-4075	675	6	that	that	PRON
framr-4075	675	7	consumers	consumer	NOUN
framr-4075	675	8	need	need	VERB
framr-4075	675	9	to	to	PART
framr-4075	675	10	know	know	VERB
framr-4075	675	11	.	.	PUNCT
framr-4075	676	1	cyberliteracy	cyberliteracy	NOUN
framr-4075	676	2	necessitates	necessitate	VERB
framr-4075	676	3	careful	careful	ADJ
framr-4075	676	4	technology	technology	NOUN
framr-4075	676	5	users	user	NOUN
framr-4075	676	6	.	.	PUNCT
framr-4075	677	1	to	to	PART
framr-4075	677	2	prevent	prevent	VERB
framr-4075	677	3	fraud	fraud	NOUN
framr-4075	677	4	,	,	PUNCT
framr-4075	677	5	the	the	DET
framr-4075	677	6	fintech	fintech	NOUN
framr-4075	677	7	sector	sector	NOUN
framr-4075	677	8	must	must	AUX
framr-4075	677	9	also	also	ADV
framr-4075	677	10	preserve	preserve	VERB
framr-4075	677	11	the	the	DET
framr-4075	677	12	calibre	calibre	NOUN
framr-4075	677	13	of	of	ADP
framr-4075	677	14	its	its	PRON
framr-4075	677	15	software	software	NOUN
framr-4075	677	16	and	and	CCONJ
framr-4075	677	17	make	make	VERB
framr-4075	677	18	use	use	NOUN
framr-4075	677	19	of	of	ADP
framr-4075	677	20	technological	technological	ADJ
framr-4075	677	21	integration	integration	NOUN
framr-4075	677	22	(	(	PUNCT
framr-4075	677	23	hua	hua	PROPN
framr-4075	677	24	,	,	PUNCT
framr-4075	677	25	huang	huang	PROPN
framr-4075	677	26	,	,	PUNCT
framr-4075	677	27	&	&	CCONJ
framr-4075	677	28	zheng	zheng	PROPN
framr-4075	677	29	,	,	PUNCT
framr-4075	677	30	2019	2019	NUM
framr-4075	677	31	)	)	PUNCT
framr-4075	677	32	.	.	PUNCT
framr-4075	678	1	at	at	ADP
framr-4075	678	2	the	the	DET
framr-4075	678	3	moment	moment	NOUN
framr-4075	678	4	,	,	PUNCT
framr-4075	678	5	fintech	fintech	NOUN
framr-4075	678	6	companies	company	NOUN
framr-4075	678	7	must	must	AUX
framr-4075	678	8	work	work	VERB
framr-4075	678	9	together	together	ADV
framr-4075	678	10	with	with	ADP
framr-4075	678	11	more	more	ADV
framr-4075	678	12	established	establish	VERB
framr-4075	678	13	financial	financial	ADJ
framr-4075	678	14	institutions	institution	NOUN
framr-4075	678	15	like	like	ADP
framr-4075	678	16	banks	bank	NOUN
framr-4075	678	17	.	.	PUNCT
framr-4075	679	1	this	this	PRON
framr-4075	679	2	tackles	tackle	VERB
framr-4075	679	3	the	the	DET
framr-4075	679	4	issue	issue	NOUN
framr-4075	679	5	that	that	SCONJ
framr-4075	679	6	fintech	fintech	NOUN
framr-4075	679	7	is	be	AUX
framr-4075	679	8	a	a	DET
framr-4075	679	9	disruptive	disruptive	ADJ
framr-4075	679	10	technological	technological	ADJ
framr-4075	679	11	advancement	advancement	NOUN
framr-4075	679	12	.	.	PUNCT
framr-4075	680	1	because	because	SCONJ
framr-4075	680	2	fintech	fintech	NOUN
framr-4075	680	3	is	be	AUX
framr-4075	680	4	thought	think	VERB
framr-4075	680	5	to	to	PART
framr-4075	680	6	follow	follow	VERB
framr-4075	680	7	digital	digital	ADJ
framr-4075	680	8	transformation	transformation	NOUN
framr-4075	680	9	more	more	ADV
framr-4075	680	10	quickly	quickly	ADV
framr-4075	680	11	than	than	ADP
framr-4075	680	12	other	other	ADJ
framr-4075	680	13	companies	company	NOUN
framr-4075	680	14	,	,	PUNCT
framr-4075	680	15	banks	bank	NOUN
framr-4075	680	16	need	need	VERB
framr-4075	680	17	to	to	PART
framr-4075	680	18	work	work	VERB
framr-4075	680	19	with	with	ADP
framr-4075	680	20	them	they	PRON
framr-4075	680	21	as	as	ADP
framr-4075	680	22	strategic	strategic	ADJ
framr-4075	680	23	partners	partner	NOUN
framr-4075	680	24	(	(	PUNCT
framr-4075	680	25	fermay	fermay	PROPN
framr-4075	680	26	,	,	PUNCT
framr-4075	680	27	santosa	santosa	PROPN
framr-4075	680	28	,	,	PUNCT
framr-4075	680	29	kertopati	kertopati	PROPN
framr-4075	680	30	,	,	PUNCT
framr-4075	680	31	&	&	CCONJ
framr-4075	680	32	eprianto	eprianto	PROPN
framr-4075	680	33	,	,	PUNCT
framr-4075	680	34	2018	2018	NUM
framr-4075	680	35	)	)	PUNCT
framr-4075	680	36	.	.	PUNCT
framr-4075	681	1	9.2	9.2	NUM
framr-4075	681	2	.	.	PUNCT
framr-4075	681	3	predictions	prediction	NOUN
framr-4075	681	4	for	for	ADP
framr-4075	681	5	financial	financial	ADJ
framr-4075	681	6	crime	crime	NOUN
framr-4075	681	7	landscape	landscape	NOUN
framr-4075	681	8	with	with	ADP
framr-4075	681	9	a	a	DET
framr-4075	681	10	few	few	ADJ
framr-4075	681	11	notable	notable	ADJ
framr-4075	681	12	exceptions	exception	NOUN
framr-4075	681	13	,	,	PUNCT
framr-4075	681	14	including	include	VERB
framr-4075	681	15	mortgage	mortgage	NOUN
framr-4075	681	16	fraud	fraud	NOUN
framr-4075	681	17	,	,	PUNCT
framr-4075	681	18	practically	practically	ADV
framr-4075	681	19	all	all	DET
framr-4075	681	20	fraud	fraud	NOUN
framr-4075	681	21	categories	category	NOUN
framr-4075	681	22	have	have	AUX
framr-4075	681	23	experienced	experience	VERB
framr-4075	681	24	significant	significant	ADJ
framr-4075	681	25	rises	rise	NOUN
framr-4075	681	26	.	.	PUNCT
framr-4075	682	1	the	the	DET
framr-4075	682	2	quantity	quantity	NOUN
framr-4075	682	3	of	of	ADP
framr-4075	682	4	external	external	ADJ
framr-4075	682	5	fraud	fraud	NOUN
framr-4075	682	6	has	have	AUX
framr-4075	682	7	increased	increase	VERB
framr-4075	682	8	,	,	PUNCT
framr-4075	682	9	as	as	SCONJ
framr-4075	682	10	has	have	VERB
framr-4075	682	11	the	the	DET
framr-4075	682	12	volume	volume	NOUN
framr-4075	682	13	of	of	ADP
framr-4075	682	14	transactions	transaction	NOUN
framr-4075	682	15	overall	overall	ADV
framr-4075	682	16	(	(	PUNCT
framr-4075	682	17	kurshan	kurshan	PROPN
framr-4075	682	18	,	,	PUNCT
framr-4075	682	19	financial	financial	ADJ
framr-4075	682	20	risk	risk	NOUN
framr-4075	682	21	and	and	CCONJ
framr-4075	682	22	management	management	NOUN
framr-4075	682	23	reviews	review	NOUN
framr-4075	682	24	,	,	PUNCT
framr-4075	682	25	2025	2025	NUM
framr-4075	682	26	,	,	PUNCT
framr-4075	682	27	11(1	11(1	NUM
framr-4075	682	28	):	):	PUNCT
framr-4075	682	29	1	1	NUM
framr-4075	682	30	-	-	SYM
framr-4075	682	31	36	36	NUM
framr-4075	682	32	26	26	NUM
framr-4075	682	33	©	©	ADP
framr-4075	682	34	2025	2025	NUM
framr-4075	682	35	conscientia	conscientia	PROPN
framr-4075	682	36	beam	beam	PROPN
framr-4075	682	37	.	.	PUNCT
framr-4075	683	1	all	all	DET
framr-4075	683	2	rights	right	NOUN
framr-4075	683	3	reserved	reserve	VERB
framr-4075	683	4	.	.	PUNCT
framr-4075	684	1	shen	shen	PROPN
framr-4075	684	2	,	,	PUNCT
framr-4075	684	3	&	&	CCONJ
framr-4075	684	4	yu	yu	PROPN
framr-4075	684	5	,	,	PUNCT
framr-4075	684	6	2020	2020	NUM
framr-4075	684	7	)	)	PUNCT
framr-4075	684	8	.	.	PUNCT
framr-4075	685	1	fraud	fraud	NOUN
framr-4075	685	2	involving	involve	VERB
framr-4075	685	3	payments	payment	NOUN
framr-4075	685	4	includes	include	VERB
framr-4075	685	5	transactions	transaction	NOUN
framr-4075	685	6	using	use	VERB
framr-4075	685	7	credit	credit	NOUN
framr-4075	685	8	and	and	CCONJ
framr-4075	685	9	debit	debit	NOUN
framr-4075	685	10	cards	card	NOUN
framr-4075	685	11	,	,	PUNCT
framr-4075	685	12	automated	automate	VERB
framr-4075	685	13	clearing	clearing	NOUN
framr-4075	685	14	houses	house	NOUN
framr-4075	685	15	(	(	PUNCT
framr-4075	685	16	ach	ach	PROPN
framr-4075	685	17	)	)	PUNCT
framr-4075	685	18	,	,	PUNCT
framr-4075	685	19	wire	wire	NOUN
framr-4075	685	20	transfers	transfer	NOUN
framr-4075	685	21	,	,	PUNCT
framr-4075	685	22	person	person	NOUN
framr-4075	685	23	-	-	PUNCT
framr-4075	685	24	to	to	ADP
framr-4075	685	25	-	-	PUNCT
framr-4075	685	26	person	person	NOUN
framr-4075	685	27	(	(	PUNCT
framr-4075	685	28	p2p	p2p	NOUN
framr-4075	685	29	)	)	PUNCT
framr-4075	685	30	transactions	transaction	NOUN
framr-4075	685	31	,	,	PUNCT
framr-4075	685	32	online	online	ADJ
framr-4075	685	33	payments	payment	NOUN
framr-4075	685	34	,	,	PUNCT
framr-4075	685	35	automated	automate	VERB
framr-4075	685	36	bill	bill	NOUN
framr-4075	685	37	payments	payment	NOUN
framr-4075	685	38	,	,	PUNCT
framr-4075	685	39	cheques	cheque	NOUN
framr-4075	685	40	,	,	PUNCT
framr-4075	685	41	and	and	CCONJ
framr-4075	685	42	deposits	deposit	NOUN
framr-4075	685	43	,	,	PUNCT
framr-4075	685	44	among	among	ADP
framr-4075	685	45	other	other	ADJ
framr-4075	685	46	payment	payment	NOUN
framr-4075	685	47	channels	channel	NOUN
framr-4075	685	48	.	.	PUNCT
framr-4075	686	1	across	across	ADP
framr-4075	686	2	all	all	DET
framr-4075	686	3	payment	payment	NOUN
framr-4075	686	4	channels	channel	NOUN
framr-4075	686	5	,	,	PUNCT
framr-4075	686	6	fraud	fraud	NOUN
framr-4075	686	7	has	have	AUX
framr-4075	686	8	increased	increase	VERB
framr-4075	686	9	significantly	significantly	ADV
framr-4075	686	10	in	in	ADP
framr-4075	686	11	recent	recent	ADJ
framr-4075	686	12	years	year	NOUN
framr-4075	686	13	,	,	PUNCT
framr-4075	686	14	with	with	ADP
framr-4075	686	15	digital	digital	ADJ
framr-4075	686	16	transactions	transaction	NOUN
framr-4075	686	17	seeing	see	VERB
framr-4075	686	18	the	the	DET
framr-4075	686	19	largest	large	ADJ
framr-4075	686	20	rise	rise	NOUN
framr-4075	686	21	(	(	PUNCT
framr-4075	686	22	dorphy	dorphy	NOUN
framr-4075	686	23	&	&	CCONJ
framr-4075	686	24	hultquist	hultquist	NOUN
framr-4075	686	25	,	,	PUNCT
framr-4075	686	26	2018	2018	NUM
framr-4075	686	27	)	)	PUNCT
framr-4075	686	28	.	.	PUNCT
framr-4075	687	1	a	a	DET
framr-4075	687	2	variety	variety	NOUN
framr-4075	687	3	of	of	ADP
framr-4075	687	4	strategies	strategy	NOUN
framr-4075	687	5	,	,	PUNCT
framr-4075	687	6	such	such	ADJ
framr-4075	687	7	as	as	ADP
framr-4075	687	8	atm	atm	NOUN
framr-4075	687	9	skimming	skimming	NOUN
framr-4075	687	10	devices	device	NOUN
framr-4075	687	11	,	,	PUNCT
framr-4075	687	12	phishing	phishing	NOUN
framr-4075	687	13	,	,	PUNCT
framr-4075	687	14	smishing	smishing	NOUN
framr-4075	687	15	,	,	PUNCT
framr-4075	687	16	dumpster	dumpster	NOUN
framr-4075	687	17	diving	diving	NOUN
framr-4075	687	18	,	,	PUNCT
framr-4075	687	19	and	and	CCONJ
framr-4075	687	20	infiltrated	infiltrate	VERB
framr-4075	687	21	wireless	wireless	ADJ
framr-4075	687	22	networks	network	NOUN
framr-4075	687	23	,	,	PUNCT
framr-4075	687	24	are	be	AUX
framr-4075	687	25	employed	employ	VERB
framr-4075	687	26	by	by	ADP
framr-4075	687	27	identity	identity	NOUN
framr-4075	687	28	theft	theft	NOUN
framr-4075	687	29	schemes	scheme	NOUN
framr-4075	687	30	.	.	PUNCT
framr-4075	688	1	identity	identity	NOUN
framr-4075	688	2	theft	theft	NOUN
framr-4075	688	3	is	be	AUX
framr-4075	688	4	becoming	become	VERB
framr-4075	688	5	one	one	NUM
framr-4075	688	6	of	of	ADP
framr-4075	688	7	the	the	DET
framr-4075	688	8	most	most	ADV
framr-4075	688	9	common	common	ADJ
framr-4075	688	10	forms	form	NOUN
framr-4075	688	11	of	of	ADP
framr-4075	688	12	fraud	fraud	NOUN
framr-4075	688	13	reported	report	VERB
framr-4075	688	14	in	in	ADP
framr-4075	688	15	criminal	criminal	ADJ
framr-4075	688	16	files	file	NOUN
framr-4075	688	17	made	make	VERB
framr-4075	688	18	to	to	ADP
framr-4075	688	19	the	the	DET
framr-4075	688	20	federal	federal	PROPN
framr-4075	688	21	trade	trade	PROPN
framr-4075	688	22	commission	commission	PROPN
framr-4075	688	23	(	(	PUNCT
framr-4075	688	24	kurshan	kurshan	PROPN
framr-4075	688	25	et	et	PROPN
framr-4075	688	26	al	al	PROPN
framr-4075	688	27	.	.	PROPN
framr-4075	688	28	,	,	PUNCT
framr-4075	688	29	2020	2020	NUM
framr-4075	688	30	)	)	PUNCT
framr-4075	688	31	.	.	PUNCT
framr-4075	689	1	one	one	NUM
framr-4075	689	2	of	of	ADP
framr-4075	689	3	the	the	DET
framr-4075	689	4	main	main	ADJ
framr-4075	689	5	issues	issue	NOUN
framr-4075	689	6	in	in	ADP
framr-4075	689	7	the	the	DET
framr-4075	689	8	fraud	fraud	NOUN
framr-4075	689	9	environment	environment	NOUN
framr-4075	689	10	these	these	DET
framr-4075	689	11	days	day	NOUN
framr-4075	689	12	is	be	AUX
framr-4075	689	13	financial	financial	ADJ
framr-4075	689	14	frauds	fraud	NOUN
framr-4075	689	15	.	.	PUNCT
framr-4075	690	1	these	these	DET
framr-4075	690	2	crimes	crime	NOUN
framr-4075	690	3	employ	employ	VERB
framr-4075	690	4	ever	ever	ADV
framr-4075	690	5	-	-	PUNCT
framr-4075	690	6	evolving	evolve	VERB
framr-4075	690	7	strategies	strategy	NOUN
framr-4075	690	8	,	,	PUNCT
framr-4075	690	9	including	include	VERB
framr-4075	690	10	scams	scam	NOUN
framr-4075	690	11	using	use	VERB
framr-4075	690	12	phones	phone	NOUN
framr-4075	690	13	,	,	PUNCT
framr-4075	690	14	elderly	elderly	ADJ
framr-4075	690	15	victims	victim	NOUN
framr-4075	690	16	(	(	PUNCT
framr-4075	690	17	like	like	ADP
framr-4075	690	18	grandmother	grandmother	NOUN
framr-4075	690	19	scams	scam	NOUN
framr-4075	690	20	)	)	PUNCT
framr-4075	690	21	,	,	PUNCT
framr-4075	690	22	tech	tech	NOUN
framr-4075	690	23	support	support	NOUN
framr-4075	690	24	scams	scam	NOUN
framr-4075	690	25	,	,	PUNCT
framr-4075	690	26	scams	scam	NOUN
framr-4075	690	27	involving	involve	VERB
framr-4075	690	28	charities	charity	NOUN
framr-4075	690	29	and	and	CCONJ
framr-4075	690	30	lotteries	lottery	NOUN
framr-4075	690	31	,	,	PUNCT
framr-4075	690	32	scams	scam	NOUN
framr-4075	690	33	involving	involve	VERB
framr-4075	690	34	tickets	ticket	NOUN
framr-4075	690	35	,	,	PUNCT
framr-4075	690	36	etc	etc	X
framr-4075	690	37	(	(	PUNCT
framr-4075	690	38	spreng	spreng	PROPN
framr-4075	690	39	,	,	PUNCT
framr-4075	690	40	ebner	ebner	PROPN
framr-4075	690	41	,	,	PUNCT
framr-4075	690	42	levin	levin	PROPN
framr-4075	690	43	,	,	PUNCT
framr-4075	690	44	&	&	CCONJ
framr-4075	690	45	turner	turner	PROPN
framr-4075	690	46	,	,	PUNCT
framr-4075	690	47	2021	2021	NUM
framr-4075	690	48	)	)	PUNCT
framr-4075	690	49	.	.	PUNCT
framr-4075	691	1	when	when	SCONJ
framr-4075	691	2	thieves	thief	NOUN
framr-4075	691	3	obtain	obtain	VERB
framr-4075	691	4	unauthorized	unauthorized	ADJ
framr-4075	691	5	access	access	NOUN
framr-4075	691	6	to	to	ADP
framr-4075	691	7	a	a	DET
framr-4075	691	8	victim	victim	NOUN
framr-4075	691	9	's	's	PART
framr-4075	691	10	account	account	NOUN
framr-4075	691	11	,	,	PUNCT
framr-4075	691	12	account	account	NOUN
framr-4075	691	13	takeover	takeover	NOUN
framr-4075	691	14	fraud	fraud	NOUN
framr-4075	691	15	takes	take	VERB
framr-4075	691	16	place	place	NOUN
framr-4075	691	17	.	.	PUNCT
framr-4075	692	1	to	to	PART
framr-4075	692	2	prevent	prevent	VERB
framr-4075	692	3	the	the	DET
framr-4075	692	4	victim	victim	NOUN
framr-4075	692	5	from	from	ADP
framr-4075	692	6	accessing	access	VERB
framr-4075	692	7	the	the	DET
framr-4075	692	8	account	account	NOUN
framr-4075	692	9	,	,	PUNCT
framr-4075	692	10	thieves	thief	NOUN
framr-4075	692	11	usually	usually	ADV
framr-4075	692	12	alter	alter	VERB
framr-4075	692	13	the	the	DET
framr-4075	692	14	contact	contact	NOUN
framr-4075	692	15	details	detail	NOUN
framr-4075	692	16	and	and	CCONJ
framr-4075	692	17	account	account	NOUN
framr-4075	692	18	login	login	NOUN
framr-4075	692	19	passwords	password	NOUN
framr-4075	692	20	throughout	throughout	ADP
framr-4075	692	21	this	this	DET
framr-4075	692	22	procedure	procedure	NOUN
framr-4075	692	23	.	.	PUNCT
framr-4075	693	1	eventually	eventually	ADV
framr-4075	693	2	,	,	PUNCT
framr-4075	693	3	they	they	PRON
framr-4075	693	4	use	use	VERB
framr-4075	693	5	one	one	NUM
framr-4075	693	6	or	or	CCONJ
framr-4075	693	7	more	more	ADJ
framr-4075	693	8	payment	payment	NOUN
framr-4075	693	9	channels	channel	NOUN
framr-4075	693	10	to	to	PART
framr-4075	693	11	drain	drain	VERB
framr-4075	693	12	the	the	DET
framr-4075	693	13	cash	cash	NOUN
framr-4075	693	14	.	.	PUNCT
framr-4075	694	1	australian	australian	ADJ
framr-4075	694	2	taxation	taxation	NOUN
framr-4075	694	3	office	office	NOUN
framr-4075	694	4	(	(	PUNCT
framr-4075	694	5	ato	ato	PROPN
framr-4075	694	6	)	)	PUNCT
framr-4075	694	7	is	be	AUX
framr-4075	694	8	closely	closely	ADV
framr-4075	694	9	related	relate	VERB
framr-4075	694	10	to	to	ADP
framr-4075	694	11	cybersecurity	cybersecurity	NOUN
framr-4075	694	12	because	because	SCONJ
framr-4075	694	13	of	of	ADP
framr-4075	694	14	the	the	DET
framr-4075	694	15	frequent	frequent	ADJ
framr-4075	694	16	use	use	NOUN
framr-4075	694	17	of	of	ADP
framr-4075	694	18	hacked	hack	VERB
framr-4075	694	19	devices	device	NOUN
framr-4075	694	20	and	and	CCONJ
framr-4075	694	21	networks	network	NOUN
framr-4075	694	22	,	,	PUNCT
framr-4075	694	23	sim	sim	ADJ
framr-4075	694	24	hijacking	hijacking	NOUN
framr-4075	694	25	,	,	PUNCT
framr-4075	694	26	and	and	CCONJ
framr-4075	694	27	large	large	ADJ
framr-4075	694	28	-	-	PUNCT
framr-4075	694	29	scale	scale	NOUN
framr-4075	694	30	data	data	NOUN
framr-4075	694	31	breaches	breach	NOUN
framr-4075	694	32	as	as	ADP
framr-4075	694	33	means	mean	NOUN
framr-4075	694	34	of	of	ADP
framr-4075	694	35	attack	attack	NOUN
framr-4075	694	36	(	(	PUNCT
framr-4075	694	37	gies	gy	NOUN
framr-4075	694	38	,	,	PUNCT
framr-4075	694	39	piquero	piquero	NOUN
framr-4075	694	40	,	,	PUNCT
framr-4075	694	41	piquero	piquero	NOUN
framr-4075	694	42	,	,	PUNCT
framr-4075	694	43	green	green	ADJ
framr-4075	694	44	,	,	PUNCT
framr-4075	694	45	&	&	CCONJ
framr-4075	694	46	bobnis	bobnis	PROPN
framr-4075	694	47	,	,	PUNCT
framr-4075	694	48	2021	2021	NUM
framr-4075	694	49	)	)	PUNCT
framr-4075	694	50	.	.	PUNCT
framr-4075	695	1	the	the	DET
framr-4075	695	2	capacity	capacity	NOUN
framr-4075	695	3	to	to	PART
framr-4075	695	4	quickly	quickly	ADV
framr-4075	695	5	adjust	adjust	VERB
framr-4075	695	6	to	to	ADP
framr-4075	695	7	new	new	ADJ
framr-4075	695	8	trends	trend	NOUN
framr-4075	695	9	,	,	PUNCT
framr-4075	695	10	weaknesses	weakness	NOUN
framr-4075	695	11	,	,	PUNCT
framr-4075	695	12	and	and	CCONJ
framr-4075	695	13	preventative	preventative	ADJ
framr-4075	695	14	measures	measure	NOUN
framr-4075	695	15	is	be	AUX
framr-4075	695	16	demonstrated	demonstrate	VERB
framr-4075	695	17	by	by	ADP
framr-4075	695	18	crime	crime	NOUN
framr-4075	695	19	techniques	technique	NOUN
framr-4075	695	20	.	.	PUNCT
framr-4075	696	1	they	they	PRON
framr-4075	696	2	utilize	utilize	VERB
framr-4075	696	3	cross	cross	ADJ
framr-4075	696	4	-	-	ADJ
framr-4075	696	5	channel	channel	ADJ
framr-4075	696	6	strategies	strategy	NOUN
framr-4075	696	7	in	in	ADP
framr-4075	696	8	addition	addition	NOUN
framr-4075	696	9	to	to	ADP
framr-4075	696	10	demonstrating	demonstrate	VERB
framr-4075	696	11	astounding	astounding	ADJ
framr-4075	696	12	degrees	degree	NOUN
framr-4075	696	13	of	of	ADP
framr-4075	696	14	personalization	personalization	NOUN
framr-4075	696	15	to	to	ADP
framr-4075	696	16	the	the	DET
framr-4075	696	17	specific	specific	ADJ
framr-4075	696	18	channels	channel	NOUN
framr-4075	696	19	they	they	PRON
framr-4075	696	20	use	use	VERB
framr-4075	696	21	.	.	PUNCT
framr-4075	697	1	in	in	ADP
framr-4075	697	2	terms	term	NOUN
framr-4075	697	3	of	of	ADP
framr-4075	697	4	transaction	transaction	NOUN
framr-4075	697	5	type	type	NOUN
framr-4075	697	6	(	(	PUNCT
framr-4075	697	7	amounts	amount	NOUN
framr-4075	697	8	,	,	PUNCT
framr-4075	697	9	processing	processing	NOUN
framr-4075	697	10	times	time	NOUN
framr-4075	697	11	)	)	PUNCT
framr-4075	697	12	,	,	PUNCT
framr-4075	697	13	channel	channel	NOUN
framr-4075	697	14	,	,	PUNCT
framr-4075	697	15	devices	device	NOUN
framr-4075	697	16	,	,	PUNCT
framr-4075	697	17	authentication	authentication	NOUN
framr-4075	697	18	requirements	requirement	NOUN
framr-4075	697	19	,	,	PUNCT
framr-4075	697	20	etc	etc	X
framr-4075	697	21	.	.	X
framr-4075	697	22	,	,	PUNCT
framr-4075	697	23	there	there	PRON
framr-4075	697	24	are	be	VERB
framr-4075	697	25	noticeable	noticeable	ADJ
framr-4075	697	26	variations	variation	NOUN
framr-4075	697	27	in	in	ADP
framr-4075	697	28	fraud	fraud	NOUN
framr-4075	697	29	characteristics	characteristic	NOUN
framr-4075	697	30	.	.	PUNCT
framr-4075	698	1	because	because	SCONJ
framr-4075	698	2	of	of	ADP
framr-4075	698	3	this	this	PRON
framr-4075	698	4	,	,	PUNCT
framr-4075	698	5	automated	automate	VERB
framr-4075	698	6	teller	teller	NOUN
framr-4075	698	7	machine	machine	NOUN
framr-4075	698	8	(	(	PUNCT
framr-4075	698	9	atm	atm	NOUN
framr-4075	698	10	)	)	PUNCT
framr-4075	698	11	fraud	fraud	NOUN
framr-4075	698	12	differs	differ	VERB
framr-4075	698	13	greatly	greatly	ADV
framr-4075	698	14	from	from	ADP
framr-4075	698	15	online	online	ADJ
framr-4075	698	16	bill	bill	NOUN
framr-4075	698	17	payment	payment	NOUN
framr-4075	698	18	fraud	fraud	NOUN
framr-4075	698	19	in	in	ADP
framr-4075	698	20	several	several	ADJ
framr-4075	698	21	ways	way	NOUN
framr-4075	698	22	,	,	PUNCT
framr-4075	698	23	including	include	VERB
framr-4075	698	24	frequency	frequency	NOUN
framr-4075	698	25	,	,	PUNCT
framr-4075	698	26	quantities	quantity	NOUN
framr-4075	698	27	,	,	PUNCT
framr-4075	698	28	transaction	transaction	NOUN
framr-4075	698	29	and	and	CCONJ
framr-4075	698	30	processing	processing	NOUN
framr-4075	698	31	time	time	NOUN
framr-4075	698	32	spans	span	NOUN
framr-4075	698	33	,	,	PUNCT
framr-4075	698	34	parties	party	NOUN
framr-4075	698	35	involved	involve	VERB
framr-4075	698	36	,	,	PUNCT
framr-4075	698	37	compromised	compromise	VERB
framr-4075	698	38	access	access	NOUN
framr-4075	698	39	,	,	PUNCT
framr-4075	698	40	and	and	CCONJ
framr-4075	698	41	devices	device	NOUN
framr-4075	698	42	involved	involve	VERB
framr-4075	698	43	(	(	PUNCT
framr-4075	698	44	kurshan	kurshan	PROPN
framr-4075	698	45	et	et	PROPN
framr-4075	698	46	al	al	PROPN
framr-4075	698	47	.	.	PROPN
framr-4075	698	48	,	,	PUNCT
framr-4075	698	49	2020	2020	NUM
framr-4075	698	50	)	)	PUNCT
framr-4075	698	51	.	.	PUNCT
framr-4075	699	1	10	10	NUM
framr-4075	699	2	.	.	PUNCT
framr-4075	699	3	conclusion	conclusion	NOUN
framr-4075	699	4	10.1	10.1	NUM
framr-4075	699	5	.	.	PUNCT
framr-4075	700	1	summary	summary	NOUN
framr-4075	700	2	of	of	ADP
framr-4075	700	3	findings	finding	NOUN
framr-4075	700	4	the	the	DET
framr-4075	700	5	goal	goal	NOUN
framr-4075	700	6	of	of	ADP
framr-4075	700	7	the	the	DET
framr-4075	700	8	paper	paper	NOUN
framr-4075	700	9	is	be	AUX
framr-4075	700	10	to	to	PART
framr-4075	700	11	evaluate	evaluate	VERB
framr-4075	700	12	fintech	fintech	NOUN
framr-4075	700	13	's	's	PART
framr-4075	700	14	impact	impact	NOUN
framr-4075	700	15	and	and	CCONJ
framr-4075	700	16	to	to	PART
framr-4075	700	17	analyze	analyze	VERB
framr-4075	700	18	whether	whether	SCONJ
framr-4075	700	19	it	it	PRON
framr-4075	700	20	is	be	AUX
framr-4075	700	21	a	a	DET
framr-4075	700	22	curse	curse	NOUN
framr-4075	700	23	or	or	CCONJ
framr-4075	700	24	blessing	blessing	NOUN
framr-4075	700	25	for	for	ADP
framr-4075	700	26	financial	financial	ADJ
framr-4075	700	27	institutions	institution	NOUN
framr-4075	700	28	.	.	PUNCT
framr-4075	701	1	the	the	DET
framr-4075	701	2	paper	paper	NOUN
framr-4075	701	3	discusses	discuss	VERB
framr-4075	701	4	the	the	DET
framr-4075	701	5	landscape	landscape	NOUN
framr-4075	701	6	of	of	ADP
framr-4075	701	7	the	the	DET
framr-4075	701	8	fintech	fintech	NOUN
framr-4075	701	9	historical	historical	ADJ
framr-4075	701	10	context	context	NOUN
framr-4075	701	11	and	and	CCONJ
framr-4075	701	12	current	current	ADJ
framr-4075	701	13	trends	trend	NOUN
framr-4075	701	14	,	,	PUNCT
framr-4075	701	15	overview	overview	NOUN
framr-4075	701	16	,	,	PUNCT
framr-4075	701	17	classification	classification	NOUN
framr-4075	701	18	,	,	PUNCT
framr-4075	701	19	methods	method	NOUN
framr-4075	701	20	and	and	CCONJ
framr-4075	701	21	mechanism	mechanism	NOUN
framr-4075	701	22	of	of	ADP
framr-4075	701	23	financial	financial	ADJ
framr-4075	701	24	crimes	crime	NOUN
framr-4075	701	25	,	,	PUNCT
framr-4075	701	26	and	and	CCONJ
framr-4075	701	27	the	the	DET
framr-4075	701	28	impact	impact	NOUN
framr-4075	701	29	of	of	ADP
framr-4075	701	30	those	those	DET
framr-4075	701	31	crimes	crime	NOUN
framr-4075	701	32	on	on	ADP
framr-4075	701	33	financial	financial	ADJ
framr-4075	701	34	institutions	institution	NOUN
framr-4075	701	35	,	,	PUNCT
framr-4075	701	36	government	government	NOUN
framr-4075	701	37	,	,	PUNCT
framr-4075	701	38	economy	economy	NOUN
framr-4075	701	39	and	and	CCONJ
framr-4075	701	40	consumers	consumer	NOUN
framr-4075	701	41	.	.	PUNCT
framr-4075	702	1	positive	positive	ADJ
framr-4075	702	2	impacts	impact	NOUN
framr-4075	702	3	of	of	ADP
framr-4075	702	4	fintech	fintech	NOUN
framr-4075	702	5	on	on	ADP
framr-4075	702	6	financial	financial	ADJ
framr-4075	702	7	crime	crime	NOUN
framr-4075	702	8	prevention	prevention	NOUN
framr-4075	702	9	also	also	ADV
framr-4075	702	10	have	have	AUX
framr-4075	702	11	been	be	AUX
framr-4075	702	12	discussed	discuss	VERB
framr-4075	702	13	including	include	VERB
framr-4075	702	14	the	the	DET
framr-4075	702	15	cases	case	NOUN
framr-4075	702	16	of	of	ADP
framr-4075	702	17	successful	successful	ADJ
framr-4075	702	18	implementation	implementation	NOUN
framr-4075	702	19	.	.	PUNCT
framr-4075	703	1	the	the	DET
framr-4075	703	2	findings	finding	NOUN
framr-4075	703	3	of	of	ADP
framr-4075	703	4	the	the	DET
framr-4075	703	5	paper	paper	NOUN
framr-4075	703	6	show	show	NOUN
framr-4075	703	7	that	that	SCONJ
framr-4075	703	8	fintech	fintech	NOUN
framr-4075	703	9	is	be	AUX
framr-4075	703	10	acknowledged	acknowledge	VERB
framr-4075	703	11	as	as	ADP
framr-4075	703	12	the	the	DET
framr-4075	703	13	most	most	ADJ
framr-4075	703	14	cutting	cutting	NOUN
framr-4075	703	15	-	-	PUNCT
framr-4075	703	16	edge	edge	NOUN
framr-4075	703	17	innovation	innovation	NOUN
framr-4075	703	18	in	in	ADP
framr-4075	703	19	the	the	DET
framr-4075	703	20	financial	financial	ADJ
framr-4075	703	21	sector	sector	NOUN
framr-4075	703	22	for	for	ADP
framr-4075	703	23	improving	improve	VERB
framr-4075	703	24	quality	quality	NOUN
framr-4075	703	25	,	,	PUNCT
framr-4075	703	26	lowering	lower	VERB
framr-4075	703	27	costs	cost	NOUN
framr-4075	703	28	,	,	PUNCT
framr-4075	703	29	and	and	CCONJ
framr-4075	703	30	expanding	expand	VERB
framr-4075	703	31	an	an	DET
framr-4075	703	32	efficient	efficient	ADJ
framr-4075	703	33	financial	financial	ADJ
framr-4075	703	34	environment	environment	NOUN
framr-4075	703	35	.	.	PUNCT
framr-4075	704	1	several	several	ADJ
framr-4075	704	2	drivers	driver	NOUN
framr-4075	704	3	of	of	ADP
framr-4075	704	4	transformation	transformation	NOUN
framr-4075	704	5	brought	bring	VERB
framr-4075	704	6	about	about	ADP
framr-4075	704	7	by	by	ADP
framr-4075	704	8	it	it	PRON
framr-4075	704	9	have	have	VERB
framr-4075	704	10	a	a	DET
framr-4075	704	11	big	big	ADJ
framr-4075	704	12	impact	impact	NOUN
framr-4075	704	13	.	.	PUNCT
framr-4075	705	1	through	through	ADP
framr-4075	705	2	automation	automation	NOUN
framr-4075	705	3	,	,	PUNCT
framr-4075	705	4	new	new	ADJ
framr-4075	705	5	models	model	NOUN
framr-4075	705	6	such	such	ADJ
framr-4075	705	7	as	as	ADP
framr-4075	705	8	peerto	peerto	NOUN
framr-4075	705	9	-	-	PUNCT
framr-4075	705	10	peer	peer	NOUN
framr-4075	705	11	investing	investing	NOUN
framr-4075	705	12	and	and	CCONJ
framr-4075	705	13	crowdfunding	crowdfunde	VERB
framr-4075	705	14	boost	boost	NOUN
framr-4075	705	15	information	information	NOUN
framr-4075	705	16	technology	technology	NOUN
framr-4075	705	17	efficiency	efficiency	NOUN
framr-4075	705	18	and	and	CCONJ
framr-4075	705	19	guarantee	guarantee	VERB
framr-4075	705	20	the	the	DET
framr-4075	705	21	quality	quality	NOUN
framr-4075	705	22	of	of	ADP
framr-4075	705	23	financial	financial	ADJ
framr-4075	705	24	services	service	NOUN
framr-4075	705	25	.	.	PUNCT
framr-4075	706	1	blockchain	blockchain	NOUN
framr-4075	706	2	-	-	PUNCT
framr-4075	706	3	based	base	VERB
framr-4075	706	4	systems	system	NOUN
framr-4075	706	5	and	and	CCONJ
framr-4075	706	6	biometrics	biometric	NOUN
framr-4075	706	7	(	(	PUNCT
framr-4075	706	8	such	such	ADJ
framr-4075	706	9	as	as	ADP
framr-4075	706	10	fingerprints	fingerprint	NOUN
framr-4075	706	11	,	,	PUNCT
framr-4075	706	12	face	face	NOUN
framr-4075	706	13	recognition	recognition	NOUN
framr-4075	706	14	,	,	PUNCT
framr-4075	706	15	and	and	CCONJ
framr-4075	706	16	iris	iris	NOUN
framr-4075	706	17	scans	scan	NOUN
framr-4075	706	18	)	)	PUNCT
framr-4075	706	19	are	be	AUX
framr-4075	706	20	examples	example	NOUN
framr-4075	706	21	of	of	ADP
framr-4075	706	22	new	new	ADJ
framr-4075	706	23	technologies	technology	NOUN
framr-4075	706	24	that	that	PRON
framr-4075	706	25	can	can	AUX
framr-4075	706	26	enhance	enhance	VERB
framr-4075	706	27	digital	digital	ADJ
framr-4075	706	28	identification	identification	NOUN
framr-4075	706	29	procedures	procedure	NOUN
framr-4075	706	30	.	.	PUNCT
framr-4075	707	1	by	by	ADP
framr-4075	707	2	providing	provide	VERB
framr-4075	707	3	improved	improved	ADJ
framr-4075	707	4	security	security	NOUN
framr-4075	707	5	,	,	PUNCT
framr-4075	707	6	decreased	decrease	VERB
framr-4075	707	7	fraud	fraud	NOUN
framr-4075	707	8	,	,	PUNCT
framr-4075	707	9	and	and	CCONJ
framr-4075	707	10	expedited	expedite	VERB
framr-4075	707	11	identification	identification	NOUN
framr-4075	707	12	verification	verification	NOUN
framr-4075	707	13	processes	process	NOUN
framr-4075	707	14	,	,	PUNCT
framr-4075	707	15	these	these	DET
framr-4075	707	16	technologies	technology	NOUN
framr-4075	707	17	help	help	VERB
framr-4075	707	18	stop	stop	VERB
framr-4075	707	19	theft	theft	NOUN
framr-4075	707	20	and	and	CCONJ
framr-4075	707	21	other	other	ADJ
framr-4075	707	22	associated	associated	ADJ
framr-4075	707	23	crimes	crime	NOUN
framr-4075	707	24	.	.	PUNCT
framr-4075	708	1	systems	system	NOUN
framr-4075	708	2	for	for	ADP
framr-4075	708	3	monitoring	monitor	VERB
framr-4075	708	4	finances	finance	NOUN
framr-4075	708	5	can	can	AUX
framr-4075	708	6	benefit	benefit	VERB
framr-4075	708	7	from	from	ADP
framr-4075	708	8	the	the	DET
framr-4075	708	9	application	application	NOUN
framr-4075	708	10	of	of	ADP
framr-4075	708	11	artificial	artificial	ADJ
framr-4075	708	12	intelligence	intelligence	NOUN
framr-4075	708	13	,	,	PUNCT
framr-4075	708	14	machine	machine	NOUN
framr-4075	708	15	learning	learning	NOUN
framr-4075	708	16	,	,	PUNCT
framr-4075	708	17	and	and	CCONJ
framr-4075	708	18	advanced	advanced	ADJ
framr-4075	708	19	data	datum	NOUN
framr-4075	708	20	analytics	analytic	NOUN
framr-4075	708	21	.	.	PUNCT
framr-4075	709	1	these	these	DET
framr-4075	709	2	technological	technological	ADJ
framr-4075	709	3	advancements	advancement	NOUN
framr-4075	709	4	facilitate	facilitate	VERB
framr-4075	709	5	the	the	DET
framr-4075	709	6	prompt	prompt	ADJ
framr-4075	709	7	and	and	CCONJ
framr-4075	709	8	precise	precise	ADJ
framr-4075	709	9	detection	detection	NOUN
framr-4075	709	10	of	of	ADP
framr-4075	709	11	dubious	dubious	ADJ
framr-4075	709	12	transactions	transaction	NOUN
framr-4075	709	13	,	,	PUNCT
framr-4075	709	14	money	money	NOUN
framr-4075	709	15	laundering	laundering	NOUN
framr-4075	709	16	operations	operation	NOUN
framr-4075	709	17	,	,	PUNCT
framr-4075	709	18	and	and	CCONJ
framr-4075	709	19	fiscal	fiscal	ADJ
framr-4075	709	20	offenses	offense	NOUN
framr-4075	709	21	.	.	PUNCT
framr-4075	710	1	automated	automate	VERB
framr-4075	710	2	systems	system	NOUN
framr-4075	710	3	can	can	AUX
framr-4075	710	4	analyze	analyze	VERB
framr-4075	710	5	enormous	enormous	ADJ
framr-4075	710	6	volumes	volume	NOUN
framr-4075	710	7	of	of	ADP
framr-4075	710	8	data	datum	NOUN
framr-4075	710	9	and	and	CCONJ
framr-4075	710	10	spot	spot	NOUN
framr-4075	710	11	trends	trend	NOUN
framr-4075	710	12	that	that	PRON
framr-4075	710	13	are	be	AUX
framr-4075	710	14	hard	hard	ADJ
framr-4075	710	15	for	for	SCONJ
framr-4075	710	16	people	people	NOUN
framr-4075	710	17	to	to	PART
framr-4075	710	18	see	see	VERB
framr-4075	710	19	,	,	PUNCT
framr-4075	710	20	which	which	PRON
framr-4075	710	21	helps	help	VERB
framr-4075	710	22	law	law	NOUN
framr-4075	710	23	enforcement	enforcement	NOUN
framr-4075	710	24	fight	fight	VERB
framr-4075	710	25	financial	financial	ADJ
framr-4075	710	26	crimes	crime	NOUN
framr-4075	710	27	.	.	PUNCT
framr-4075	711	1	to	to	PART
framr-4075	711	2	guarantee	guarantee	VERB
framr-4075	711	3	successful	successful	ADJ
framr-4075	711	4	adoption	adoption	NOUN
framr-4075	711	5	and	and	CCONJ
framr-4075	711	6	adherence	adherence	NOUN
framr-4075	711	7	to	to	ADP
framr-4075	711	8	international	international	ADJ
framr-4075	711	9	standards	standard	NOUN
framr-4075	711	10	as	as	ADP
framr-4075	711	11	these	these	DET
framr-4075	711	12	technologies	technology	NOUN
framr-4075	711	13	advance	advance	NOUN
framr-4075	711	14	,	,	PUNCT
framr-4075	711	15	regulatory	regulatory	ADJ
framr-4075	711	16	agencies	agency	NOUN
framr-4075	711	17	,	,	PUNCT
framr-4075	711	18	financial	financial	ADJ
framr-4075	711	19	institutions	institution	NOUN
framr-4075	711	20	,	,	PUNCT
framr-4075	711	21	and	and	CCONJ
framr-4075	711	22	technology	technology	NOUN
framr-4075	711	23	suppliers	supplier	NOUN
framr-4075	711	24	must	must	AUX
framr-4075	711	25	work	work	VERB
framr-4075	711	26	together	together	ADV
framr-4075	711	27	.	.	PUNCT
framr-4075	712	1	this	this	PRON
framr-4075	712	2	will	will	AUX
framr-4075	712	3	eventually	eventually	ADV
framr-4075	712	4	help	help	VERB
framr-4075	712	5	to	to	PART
framr-4075	712	6	create	create	VERB
framr-4075	712	7	a	a	DET
framr-4075	712	8	more	more	ADV
framr-4075	712	9	robust	robust	ADJ
framr-4075	712	10	and	and	CCONJ
framr-4075	712	11	safer	safe	ADJ
framr-4075	712	12	financial	financial	ADJ
framr-4075	712	13	environment	environment	NOUN
framr-4075	712	14	.	.	PUNCT
framr-4075	713	1	big	big	ADJ
framr-4075	713	2	data	data	PROPN
framr-4075	713	3	's	's	PART
framr-4075	713	4	ascent	ascent	NOUN
framr-4075	713	5	has	have	AUX
framr-4075	713	6	revolutionized	revolutionize	VERB
framr-4075	713	7	fraud	fraud	NOUN
framr-4075	713	8	detection	detection	NOUN
framr-4075	713	9	and	and	CCONJ
framr-4075	713	10	financial	financial	ADJ
framr-4075	713	11	security	security	NOUN
framr-4075	713	12	by	by	ADP
framr-4075	713	13	offering	offer	VERB
framr-4075	713	14	previously	previously	ADV
framr-4075	713	15	unheard	unheard	ADJ
framr-4075	713	16	-	-	PUNCT
framr-4075	713	17	of	of	ADP
framr-4075	713	18	analytical	analytical	ADJ
framr-4075	713	19	powers	power	NOUN
framr-4075	713	20	.	.	PUNCT
framr-4075	714	1	financial	financial	ADJ
framr-4075	714	2	institutions	institution	NOUN
framr-4075	714	3	are	be	AUX
framr-4075	714	4	increasingly	increasingly	ADV
framr-4075	714	5	able	able	ADJ
framr-4075	714	6	to	to	PART
framr-4075	714	7	financial	financial	ADJ
framr-4075	714	8	risk	risk	NOUN
framr-4075	714	9	and	and	CCONJ
framr-4075	714	10	management	management	NOUN
framr-4075	714	11	reviews	review	NOUN
framr-4075	714	12	,	,	PUNCT
framr-4075	714	13	2025	2025	NUM
framr-4075	714	14	,	,	PUNCT
framr-4075	714	15	11(1	11(1	NUM
framr-4075	714	16	):	):	PUNCT
framr-4075	714	17	1	1	NUM
framr-4075	714	18	-	-	SYM
framr-4075	714	19	36	36	NUM
framr-4075	714	20	27	27	NUM
framr-4075	714	21	©	©	PROPN
framr-4075	714	22	2025	2025	NUM
framr-4075	714	23	conscientia	conscientia	PROPN
framr-4075	714	24	beam	beam	PROPN
framr-4075	714	25	.	.	PUNCT
framr-4075	715	1	all	all	DET
framr-4075	715	2	rights	right	NOUN
framr-4075	715	3	reserved	reserve	VERB
framr-4075	715	4	.	.	PUNCT
framr-4075	716	1	expose	expose	VERB
framr-4075	716	2	sophisticated	sophisticated	ADJ
framr-4075	716	3	fraud	fraud	NOUN
framr-4075	716	4	schemes	scheme	NOUN
framr-4075	716	5	through	through	ADP
framr-4075	716	6	the	the	DET
framr-4075	716	7	use	use	NOUN
framr-4075	716	8	of	of	ADP
framr-4075	716	9	large	large	ADJ
framr-4075	716	10	datasets	dataset	NOUN
framr-4075	716	11	.	.	PUNCT
framr-4075	717	1	these	these	DET
framr-4075	717	2	schemes	scheme	NOUN
framr-4075	717	3	can	can	AUX
framr-4075	717	4	involve	involve	VERB
framr-4075	717	5	everything	everything	PRON
framr-4075	717	6	from	from	ADP
framr-4075	717	7	money	money	NOUN
framr-4075	717	8	laundering	laundering	NOUN
framr-4075	717	9	and	and	CCONJ
framr-4075	717	10	complicated	complicated	ADJ
framr-4075	717	11	securities	security	NOUN
framr-4075	717	12	fraud	fraud	NOUN
framr-4075	717	13	to	to	ADP
framr-4075	717	14	improper	improper	ADJ
framr-4075	717	15	credit	credit	NOUN
framr-4075	717	16	card	card	NOUN
framr-4075	717	17	transactions	transaction	NOUN
framr-4075	717	18	and	and	CCONJ
framr-4075	717	19	insurance	insurance	NOUN
framr-4075	717	20	fraud	fraud	NOUN
framr-4075	717	21	.	.	PUNCT
framr-4075	718	1	additionally	additionally	ADV
framr-4075	718	2	,	,	PUNCT
framr-4075	718	3	by	by	ADP
framr-4075	718	4	utilizing	utilize	VERB
framr-4075	718	5	hybrid	hybrid	ADJ
framr-4075	718	6	client	client	NOUN
framr-4075	718	7	contact	contact	NOUN
framr-4075	718	8	,	,	PUNCT
framr-4075	718	9	the	the	DET
framr-4075	718	10	expansion	expansion	NOUN
framr-4075	718	11	of	of	ADP
framr-4075	718	12	the	the	DET
framr-4075	718	13	customer	customer	NOUN
framr-4075	718	14	base	base	NOUN
framr-4075	718	15	significantly	significantly	ADV
framr-4075	718	16	contributes	contribute	VERB
framr-4075	718	17	to	to	ADP
framr-4075	718	18	the	the	DET
framr-4075	718	19	resizing	resizing	NOUN
framr-4075	718	20	of	of	ADP
framr-4075	718	21	the	the	DET
framr-4075	718	22	channel	channel	NOUN
framr-4075	718	23	management	management	NOUN
framr-4075	718	24	route	route	NOUN
framr-4075	718	25	to	to	ADP
framr-4075	718	26	clients	client	NOUN
framr-4075	718	27	.	.	PUNCT
framr-4075	719	1	a	a	DET
framr-4075	719	2	new	new	ADJ
framr-4075	719	3	competition	competition	NOUN
framr-4075	719	4	by	by	ADP
framr-4075	719	5	fintech	fintech	NOUN
framr-4075	719	6	companies	company	NOUN
framr-4075	719	7	causes	cause	VERB
framr-4075	719	8	existing	exist	VERB
framr-4075	719	9	challenges	challenge	NOUN
framr-4075	719	10	,	,	PUNCT
framr-4075	719	11	faced	face	VERB
framr-4075	719	12	by	by	ADP
framr-4075	719	13	the	the	DET
framr-4075	719	14	traditional	traditional	ADJ
framr-4075	719	15	banking	banking	NOUN
framr-4075	719	16	environment	environment	NOUN
framr-4075	719	17	.	.	PUNCT
framr-4075	720	1	the	the	DET
framr-4075	720	2	convergence	convergence	NOUN
framr-4075	720	3	between	between	ADP
framr-4075	720	4	emerging	emerge	VERB
framr-4075	720	5	business	business	NOUN
framr-4075	720	6	models	model	NOUN
framr-4075	720	7	and	and	CCONJ
framr-4075	720	8	technology	technology	NOUN
framr-4075	720	9	improves	improve	VERB
framr-4075	720	10	streamlined	streamlined	ADJ
framr-4075	720	11	operations	operation	NOUN
framr-4075	720	12	and	and	CCONJ
framr-4075	720	13	customer	customer	NOUN
framr-4075	720	14	satisfaction	satisfaction	NOUN
framr-4075	720	15	.	.	PUNCT
framr-4075	721	1	a	a	DET
framr-4075	721	2	digital	digital	ADJ
framr-4075	721	3	finance	finance	NOUN
framr-4075	721	4	cube	cube	NOUN
framr-4075	721	5	is	be	AUX
framr-4075	721	6	innovated	innovate	VERB
framr-4075	721	7	with	with	ADP
framr-4075	721	8	the	the	DET
framr-4075	721	9	consensus	consensus	NOUN
framr-4075	721	10	of	of	ADP
framr-4075	721	11	business	business	NOUN
framr-4075	721	12	operations	operation	NOUN
framr-4075	721	13	,	,	PUNCT
framr-4075	721	14	technologies	technology	NOUN
framr-4075	721	15	and	and	CCONJ
framr-4075	721	16	technological	technological	ADJ
framr-4075	721	17	concepts	concept	NOUN
framr-4075	721	18	which	which	PRON
framr-4075	721	19	has	have	VERB
framr-4075	721	20	significant	significant	ADJ
framr-4075	721	21	influence	influence	NOUN
framr-4075	721	22	over	over	ADP
framr-4075	721	23	various	various	ADJ
framr-4075	721	24	stakeholders	stakeholder	NOUN
framr-4075	721	25	from	from	ADP
framr-4075	721	26	three	three	NUM
framr-4075	721	27	dimensions	dimension	NOUN
framr-4075	721	28	(	(	PUNCT
framr-4075	721	29	consumers	consumer	NOUN
framr-4075	721	30	,	,	PUNCT
framr-4075	721	31	market	market	NOUN
framr-4075	721	32	players	player	NOUN
framr-4075	721	33	and	and	CCONJ
framr-4075	721	34	regulatory	regulatory	ADJ
framr-4075	721	35	font	font	NOUN
framr-4075	721	36	)	)	PUNCT
framr-4075	721	37	.	.	PUNCT
framr-4075	722	1	10.2	10.2	NUM
framr-4075	722	2	.	.	PUNCT
framr-4075	723	1	final	final	ADJ
framr-4075	723	2	verdict	verdict	NOUN
framr-4075	723	3	:	:	PUNCT
framr-4075	723	4	curse	curse	VERB
framr-4075	723	5	or	or	CCONJ
framr-4075	723	6	blessing	blessing	NOUN
framr-4075	723	7	?	?	PUNCT
framr-4075	724	1	the	the	DET
framr-4075	724	2	effectiveness	effectiveness	NOUN
framr-4075	724	3	of	of	ADP
framr-4075	724	4	cloud	cloud	NOUN
framr-4075	724	5	-	-	PUNCT
framr-4075	724	6	based	base	VERB
framr-4075	724	7	finance	finance	NOUN
framr-4075	724	8	apps	app	NOUN
framr-4075	724	9	to	to	PART
framr-4075	724	10	prevent	prevent	VERB
framr-4075	724	11	fraud	fraud	NOUN
framr-4075	724	12	is	be	AUX
framr-4075	724	13	greatly	greatly	ADV
framr-4075	724	14	influenced	influence	VERB
framr-4075	724	15	by	by	ADP
framr-4075	724	16	ai	ai	PROPN
framr-4075	724	17	.	.	PROPN
framr-4075	724	18	machine	machine	NOUN
framr-4075	724	19	learning	learn	VERB
framr-4075	724	20	algorithms	algorithm	NOUN
framr-4075	724	21	have	have	VERB
framr-4075	724	22	the	the	DET
framr-4075	724	23	capability	capability	NOUN
framr-4075	724	24	to	to	PART
framr-4075	724	25	process	process	VERB
framr-4075	724	26	vast	vast	ADJ
framr-4075	724	27	datasets	dataset	NOUN
framr-4075	724	28	and	and	CCONJ
framr-4075	724	29	detect	detect	VERB
framr-4075	724	30	patterns	pattern	NOUN
framr-4075	724	31	associated	associate	VERB
framr-4075	724	32	with	with	ADP
framr-4075	724	33	fraudulent	fraudulent	ADJ
framr-4075	724	34	activities	activity	NOUN
framr-4075	724	35	such	such	ADJ
framr-4075	724	36	as	as	ADP
framr-4075	724	37	credit	credit	NOUN
framr-4075	724	38	card	card	NOUN
framr-4075	724	39	fraud	fraud	NOUN
framr-4075	724	40	,	,	PUNCT
framr-4075	724	41	identity	identity	NOUN
framr-4075	724	42	theft	theft	NOUN
framr-4075	724	43	,	,	PUNCT
framr-4075	724	44	and	and	CCONJ
framr-4075	724	45	account	account	NOUN
framr-4075	724	46	takeovers	takeover	NOUN
framr-4075	724	47	.	.	PUNCT
framr-4075	725	1	ai	ai	AUX
framr-4075	725	2	systems	system	NOUN
framr-4075	725	3	continuously	continuously	ADV
framr-4075	725	4	learn	learn	VERB
framr-4075	725	5	from	from	ADP
framr-4075	725	6	new	new	ADJ
framr-4075	725	7	data	datum	NOUN
framr-4075	725	8	,	,	PUNCT
framr-4075	725	9	which	which	PRON
framr-4075	725	10	helps	help	VERB
framr-4075	725	11	them	they	PRON
framr-4075	725	12	become	become	VERB
framr-4075	725	13	more	more	ADV
framr-4075	725	14	adept	adept	ADJ
framr-4075	725	15	at	at	ADP
framr-4075	725	16	spotting	spot	VERB
framr-4075	725	17	novel	novel	NOUN
framr-4075	725	18	fraud	fraud	NOUN
framr-4075	725	19	techniques	technique	NOUN
framr-4075	725	20	.	.	PUNCT
framr-4075	726	1	fintech	fintech	NOUN
framr-4075	726	2	companies	company	NOUN
framr-4075	726	3	utilize	utilize	VERB
framr-4075	726	4	an	an	DET
framr-4075	726	5	array	array	NOUN
framr-4075	726	6	of	of	ADP
framr-4075	726	7	emerging	emerge	VERB
framr-4075	726	8	technologies	technology	NOUN
framr-4075	726	9	,	,	PUNCT
framr-4075	726	10	including	include	VERB
framr-4075	726	11	big	big	ADJ
framr-4075	726	12	data	datum	NOUN
framr-4075	726	13	,	,	PUNCT
framr-4075	726	14	iot	iot	PROPN
framr-4075	726	15	,	,	PUNCT
framr-4075	726	16	blockchain	blockchain	NOUN
framr-4075	726	17	,	,	PUNCT
framr-4075	726	18	robotics	robotic	NOUN
framr-4075	726	19	,	,	PUNCT
framr-4075	726	20	augmented	augment	VERB
framr-4075	726	21	reality	reality	NOUN
framr-4075	726	22	,	,	PUNCT
framr-4075	726	23	artificial	artificial	ADJ
framr-4075	726	24	intelligence	intelligence	NOUN
framr-4075	726	25	,	,	PUNCT
framr-4075	726	26	robotics	robotic	NOUN
framr-4075	726	27	,	,	PUNCT
framr-4075	726	28	robotics	robotic	NOUN
framr-4075	726	29	,	,	PUNCT
framr-4075	726	30	and	and	CCONJ
framr-4075	726	31	drones	drone	NOUN
framr-4075	726	32	.	.	PUNCT
framr-4075	727	1	as	as	ADP
framr-4075	727	2	a	a	DET
framr-4075	727	3	major	major	ADJ
framr-4075	727	4	international	international	ADJ
framr-4075	727	5	financial	financial	ADJ
framr-4075	727	6	organization	organization	NOUN
framr-4075	727	7	,	,	PUNCT
framr-4075	727	8	the	the	DET
framr-4075	727	9	international	international	ADJ
framr-4075	727	10	monetary	monetary	ADJ
framr-4075	727	11	fund	fund	NOUN
framr-4075	727	12	(	(	PUNCT
framr-4075	727	13	imf	imf	PROPN
framr-4075	727	14	)	)	PUNCT
framr-4075	727	15	thinks	think	VERB
framr-4075	727	16	that	that	SCONJ
framr-4075	727	17	blockchain	blockchain	PROPN
framr-4075	727	18	distributed	distribute	VERB
framr-4075	727	19	ledger	ledger	NOUN
framr-4075	727	20	technology	technology	NOUN
framr-4075	727	21	might	might	AUX
framr-4075	727	22	help	help	VERB
framr-4075	727	23	fintech	fintech	NOUN
framr-4075	727	24	companies	company	NOUN
framr-4075	727	25	increase	increase	VERB
framr-4075	727	26	cross	cross	ADJ
framr-4075	727	27	-	-	ADJ
framr-4075	727	28	border	border	ADJ
framr-4075	727	29	payment	payment	NOUN
framr-4075	727	30	services	service	NOUN
framr-4075	727	31	,	,	PUNCT
framr-4075	727	32	transaction	transaction	NOUN
framr-4075	727	33	costs	cost	NOUN
framr-4075	727	34	,	,	PUNCT
framr-4075	727	35	and	and	CCONJ
framr-4075	727	36	transparency	transparency	NOUN
framr-4075	727	37	.	.	PUNCT
framr-4075	728	1	more	more	ADJ
framr-4075	728	2	study	study	NOUN
framr-4075	728	3	may	may	AUX
framr-4075	728	4	be	be	AUX
framr-4075	728	5	done	do	VERB
framr-4075	728	6	on	on	ADP
framr-4075	728	7	the	the	DET
framr-4075	728	8	more	more	ADV
framr-4075	728	9	recent	recent	ADJ
framr-4075	728	10	subjects	subject	NOUN
framr-4075	728	11	of	of	ADP
framr-4075	728	12	digital	digital	ADJ
framr-4075	728	13	insurance	insurance	NOUN
framr-4075	728	14	,	,	PUNCT
framr-4075	728	15	digital	digital	ADJ
framr-4075	728	16	invoicing	invoicing	NOUN
framr-4075	728	17	,	,	PUNCT
framr-4075	728	18	electronic	electronic	ADJ
framr-4075	728	19	factoring	factoring	NOUN
framr-4075	728	20	,	,	PUNCT
framr-4075	728	21	electronic	electronic	ADJ
framr-4075	728	22	leasing	leasing	NOUN
framr-4075	728	23	,	,	PUNCT
framr-4075	728	24	crowd	crowd	NOUN
framr-4075	728	25	investing	investing	NOUN
framr-4075	728	26	,	,	PUNCT
framr-4075	728	27	and	and	CCONJ
framr-4075	728	28	the	the	DET
framr-4075	728	29	connections	connection	NOUN
framr-4075	728	30	between	between	ADP
framr-4075	728	31	cryptocurrencies	cryptocurrencie	NOUN
framr-4075	728	32	other	other	ADJ
framr-4075	728	33	than	than	ADP
framr-4075	728	34	bitcoin	bitcoin	NOUN
framr-4075	728	35	.	.	PUNCT
framr-4075	729	1	robotic	robotic	ADJ
framr-4075	729	2	financial	financial	ADJ
framr-4075	729	3	advice	advice	NOUN
framr-4075	729	4	has	have	VERB
framr-4075	729	5	the	the	DET
framr-4075	729	6	potential	potential	NOUN
framr-4075	729	7	to	to	PART
framr-4075	729	8	upend	upend	VERB
framr-4075	729	9	the	the	DET
framr-4075	729	10	investment	investment	NOUN
framr-4075	729	11	consulting	consulting	NOUN
framr-4075	729	12	industry	industry	NOUN
framr-4075	729	13	.	.	PUNCT
framr-4075	730	1	these	these	DET
framr-4075	730	2	robo	robo	NOUN
framr-4075	730	3	-	-	PUNCT
framr-4075	730	4	advisors	advisor	NOUN
framr-4075	730	5	are	be	AUX
framr-4075	730	6	more	more	ADV
framr-4075	730	7	affordable	affordable	ADJ
framr-4075	730	8	,	,	PUNCT
framr-4075	730	9	provide	provide	VERB
framr-4075	730	10	more	more	ADV
framr-4075	730	11	educated	educate	VERB
framr-4075	730	12	information	information	NOUN
framr-4075	730	13	,	,	PUNCT
framr-4075	730	14	and	and	CCONJ
framr-4075	730	15	satisfy	satisfy	PROPN
framr-4075	730	16	client	client	NOUN
framr-4075	730	17	expectations	expectation	NOUN
framr-4075	730	18	for	for	ADP
framr-4075	730	19	trust	trust	NOUN
framr-4075	730	20	and	and	CCONJ
framr-4075	730	21	opennesss	opennesss	PROPN
framr-4075	730	22	(	(	PUNCT
framr-4075	730	23	pant	pant	NOUN
framr-4075	730	24	,	,	PUNCT
framr-4075	730	25	2020	2020	NUM
framr-4075	730	26	)	)	PUNCT
framr-4075	730	27	.	.	PUNCT
framr-4075	731	1	blockchain	blockchain	PROPN
framr-4075	731	2	has	have	VERB
framr-4075	731	3	the	the	DET
framr-4075	731	4	power	power	NOUN
framr-4075	731	5	to	to	PART
framr-4075	731	6	completely	completely	ADV
framr-4075	731	7	change	change	VERB
framr-4075	731	8	industries	industry	NOUN
framr-4075	731	9	,	,	PUNCT
framr-4075	731	10	save	save	VERB
framr-4075	731	11	money	money	NOUN
framr-4075	731	12	,	,	PUNCT
framr-4075	731	13	and	and	CCONJ
framr-4075	731	14	increase	increase	VERB
framr-4075	731	15	openness	openness	NOUN
framr-4075	731	16	and	and	CCONJ
framr-4075	731	17	trust	trust	NOUN
framr-4075	731	18	in	in	ADP
framr-4075	731	19	company	company	NOUN
framr-4075	731	20	operations	operation	NOUN
framr-4075	731	21	.	.	PUNCT
framr-4075	732	1	one	one	NUM
framr-4075	732	2	of	of	ADP
framr-4075	732	3	blockchain	blockchain	PROPN
framr-4075	732	4	's	's	PART
framr-4075	732	5	most	most	ADV
framr-4075	732	6	potent	potent	ADJ
framr-4075	732	7	features	feature	NOUN
framr-4075	732	8	is	be	AUX
framr-4075	732	9	its	its	PRON
framr-4075	732	10	ability	ability	NOUN
framr-4075	732	11	to	to	PART
framr-4075	732	12	track	track	VERB
framr-4075	732	13	any	any	DET
framr-4075	732	14	transaction	transaction	NOUN
framr-4075	732	15	from	from	ADP
framr-4075	732	16	source	source	NOUN
framr-4075	732	17	to	to	PART
framr-4075	732	18	target	target	VERB
framr-4075	732	19	with	with	ADP
framr-4075	732	20	reliable	reliable	ADJ
framr-4075	732	21	middlemen	middleman	NOUN
framr-4075	732	22	.	.	PUNCT
framr-4075	733	1	this	this	PRON
framr-4075	733	2	has	have	VERB
framr-4075	733	3	many	many	ADJ
framr-4075	733	4	applications	application	NOUN
framr-4075	733	5	,	,	PUNCT
framr-4075	733	6	including	include	VERB
framr-4075	733	7	tracking	tracking	NOUN
framr-4075	733	8	diamonds	diamond	NOUN
framr-4075	733	9	from	from	ADP
framr-4075	733	10	mine	mine	PRON
framr-4075	733	11	to	to	ADP
framr-4075	733	12	retail	retail	ADJ
framr-4075	733	13	establishments	establishment	NOUN
framr-4075	733	14	,	,	PUNCT
framr-4075	733	15	organic	organic	ADJ
framr-4075	733	16	farming	farming	NOUN
framr-4075	733	17	from	from	ADP
framr-4075	733	18	farmer	farmer	NOUN
framr-4075	733	19	to	to	ADP
framr-4075	733	20	market	market	NOUN
framr-4075	733	21	,	,	PUNCT
framr-4075	733	22	land	land	NOUN
framr-4075	733	23	records	record	NOUN
framr-4075	733	24	for	for	ADP
framr-4075	733	25	transparent	transparent	ADJ
framr-4075	733	26	ownership	ownership	NOUN
framr-4075	733	27	history	history	NOUN
framr-4075	733	28	,	,	PUNCT
framr-4075	733	29	and	and	CCONJ
framr-4075	733	30	sharing	share	VERB
framr-4075	733	31	patient	patient	ADJ
framr-4075	733	32	medical	medical	ADJ
framr-4075	733	33	records	record	NOUN
framr-4075	733	34	.	.	PUNCT
framr-4075	734	1	the	the	DET
framr-4075	734	2	extraordinary	extraordinary	ADJ
framr-4075	734	3	rise	rise	NOUN
framr-4075	734	4	in	in	ADP
framr-4075	734	5	digital	digital	ADJ
framr-4075	734	6	payments	payment	NOUN
framr-4075	734	7	in	in	ADP
framr-4075	734	8	recent	recent	ADJ
framr-4075	734	9	years	year	NOUN
framr-4075	734	10	has	have	AUX
framr-4075	734	11	led	lead	VERB
framr-4075	734	12	to	to	ADP
framr-4075	734	13	significant	significant	ADJ
framr-4075	734	14	shifts	shift	NOUN
framr-4075	734	15	in	in	ADP
framr-4075	734	16	financial	financial	ADJ
framr-4075	734	17	crimes	crime	NOUN
framr-4075	734	18	and	and	CCONJ
framr-4075	734	19	fraud	fraud	NOUN
framr-4075	734	20	.	.	PUNCT
framr-4075	735	1	in	in	ADP
framr-4075	735	2	contrast	contrast	NOUN
framr-4075	735	3	to	to	ADP
framr-4075	735	4	the	the	DET
framr-4075	735	5	growing	grow	VERB
framr-4075	735	6	reliance	reliance	NOUN
framr-4075	735	7	on	on	ADP
framr-4075	735	8	complex	complex	ADJ
framr-4075	735	9	digitalized	digitalize	VERB
framr-4075	735	10	information	information	NOUN
framr-4075	735	11	technology	technology	NOUN
framr-4075	735	12	hubs	hub	NOUN
framr-4075	735	13	without	without	ADP
framr-4075	735	14	replacement	replacement	NOUN
framr-4075	735	15	,	,	PUNCT
framr-4075	735	16	fintech	fintech	NOUN
framr-4075	735	17	is	be	AUX
framr-4075	735	18	becoming	become	VERB
framr-4075	735	19	increasingly	increasingly	ADV
framr-4075	735	20	visible	visible	ADJ
framr-4075	735	21	from	from	ADP
framr-4075	735	22	the	the	DET
framr-4075	735	23	outside	outside	NOUN
framr-4075	735	24	,	,	PUNCT
framr-4075	735	25	increasing	increase	VERB
framr-4075	735	26	cyber	cyber	ADJ
framr-4075	735	27	exposure	exposure	NOUN
framr-4075	735	28	.	.	PUNCT
framr-4075	736	1	cybercriminals	cybercriminal	NOUN
framr-4075	736	2	may	may	AUX
framr-4075	736	3	utilize	utilize	VERB
framr-4075	736	4	these	these	DET
framr-4075	736	5	security	security	NOUN
framr-4075	736	6	flaws	flaw	NOUN
framr-4075	736	7	to	to	PART
framr-4075	736	8	hijack	hijack	VERB
framr-4075	736	9	equipment	equipment	NOUN
framr-4075	736	10	supporting	support	VERB
framr-4075	736	11	the	the	DET
framr-4075	736	12	financial	financial	ADJ
framr-4075	736	13	system	system	NOUN
framr-4075	736	14	,	,	PUNCT
framr-4075	736	15	disrupt	disrupt	VERB
framr-4075	736	16	payment	payment	NOUN
framr-4075	736	17	systems	system	NOUN
framr-4075	736	18	,	,	PUNCT
framr-4075	736	19	or	or	CCONJ
framr-4075	736	20	access	access	NOUN
framr-4075	736	21	data	datum	NOUN
framr-4075	736	22	at	at	ADP
framr-4075	736	23	custodian	custodian	ADJ
framr-4075	736	24	banks	bank	NOUN
framr-4075	736	25	or	or	CCONJ
framr-4075	736	26	central	central	ADJ
framr-4075	736	27	securities	security	NOUN
framr-4075	736	28	depositories	depository	NOUN
framr-4075	736	29	(	(	PUNCT
framr-4075	736	30	buckley	buckley	PROPN
framr-4075	736	31	et	et	PROPN
framr-4075	736	32	al	al	PROPN
framr-4075	736	33	.	.	PROPN
framr-4075	736	34	,	,	PUNCT
framr-4075	736	35	2019	2019	NUM
framr-4075	736	36	)	)	PUNCT
framr-4075	736	37	.	.	PUNCT
framr-4075	737	1	with	with	ADP
framr-4075	737	2	the	the	DET
framr-4075	737	3	growing	grow	VERB
framr-4075	737	4	use	use	NOUN
framr-4075	737	5	of	of	ADP
framr-4075	737	6	digital	digital	ADJ
framr-4075	737	7	payments	payment	NOUN
framr-4075	737	8	,	,	PUNCT
framr-4075	737	9	there	there	PRON
framr-4075	737	10	is	be	VERB
framr-4075	737	11	a	a	DET
framr-4075	737	12	greater	great	ADJ
framr-4075	737	13	chance	chance	NOUN
framr-4075	737	14	of	of	ADP
framr-4075	737	15	financial	financial	ADJ
framr-4075	737	16	fraud	fraud	NOUN
framr-4075	737	17	.	.	PUNCT
framr-4075	738	1	consequently	consequently	ADV
framr-4075	738	2	,	,	PUNCT
framr-4075	738	3	npss	npss	PROPN
framr-4075	738	4	—	—	PUNCT
framr-4075	738	5	which	which	PRON
framr-4075	738	6	are	be	AUX
framr-4075	738	7	directly	directly	ADV
framr-4075	738	8	controlled	control	VERB
framr-4075	738	9	by	by	ADP
framr-4075	738	10	central	central	ADJ
framr-4075	738	11	banks	bank	NOUN
framr-4075	738	12	(	(	PUNCT
framr-4075	738	13	cbs)—are	cbs)—are	NOUN
framr-4075	738	14	increasingly	increasingly	ADV
framr-4075	738	15	utilizing	utilize	VERB
framr-4075	738	16	state	state	NOUN
framr-4075	738	17	-	-	PUNCT
framr-4075	738	18	of	of	ADP
framr-4075	738	19	-	-	PUNCT
framr-4075	738	20	the	the	DET
framr-4075	738	21	-	-	PUNCT
framr-4075	738	22	art	art	NOUN
framr-4075	738	23	technologies	technology	NOUN
framr-4075	738	24	,	,	PUNCT
framr-4075	738	25	such	such	ADJ
framr-4075	738	26	cognitive	cognitive	ADJ
framr-4075	738	27	computing	computing	NOUN
framr-4075	738	28	,	,	PUNCT
framr-4075	738	29	to	to	PART
framr-4075	738	30	enhance	enhance	VERB
framr-4075	738	31	their	their	PRON
framr-4075	738	32	ability	ability	NOUN
framr-4075	738	33	to	to	PART
framr-4075	738	34	detect	detect	VERB
framr-4075	738	35	fraud	fraud	NOUN
framr-4075	738	36	inside	inside	ADP
framr-4075	738	37	their	their	PRON
framr-4075	738	38	countries	country	NOUN
framr-4075	738	39	(	(	PUNCT
framr-4075	738	40	alessio	alessio	PROPN
framr-4075	738	41	faccia	faccia	PROPN
framr-4075	738	42	,	,	PUNCT
framr-4075	738	43	2023	2023	NUM
framr-4075	738	44	)	)	PUNCT
framr-4075	738	45	.	.	PUNCT
framr-4075	739	1	after	after	ADP
framr-4075	739	2	thorough	thorough	ADJ
framr-4075	739	3	analyses	analysis	NOUN
framr-4075	739	4	of	of	ADP
framr-4075	739	5	both	both	CCONJ
framr-4075	739	6	the	the	DET
framr-4075	739	7	positive	positive	ADJ
framr-4075	739	8	and	and	CCONJ
framr-4075	739	9	negative	negative	ADJ
framr-4075	739	10	implications	implication	NOUN
framr-4075	739	11	of	of	ADP
framr-4075	739	12	fintech	fintech	NOUN
framr-4075	739	13	,	,	PUNCT
framr-4075	739	14	we	we	PRON
framr-4075	739	15	can	can	AUX
framr-4075	739	16	conclude	conclude	VERB
framr-4075	739	17	that	that	PRON
framr-4075	739	18	for	for	ADP
framr-4075	739	19	every	every	DET
framr-4075	739	20	disruptive	disruptive	ADJ
framr-4075	739	21	technology	technology	NOUN
framr-4075	739	22	,	,	PUNCT
framr-4075	739	23	there	there	PRON
framr-4075	739	24	are	be	VERB
framr-4075	739	25	some	some	DET
framr-4075	739	26	drawbacks	drawback	NOUN
framr-4075	739	27	along	along	ADP
framr-4075	739	28	with	with	ADP
framr-4075	739	29	the	the	DET
framr-4075	739	30	benefits	benefit	NOUN
framr-4075	739	31	.	.	PUNCT
framr-4075	740	1	however	however	ADV
framr-4075	740	2	,	,	PUNCT
framr-4075	740	3	by	by	ADP
framr-4075	740	4	capitalizing	capitalize	VERB
framr-4075	740	5	the	the	DET
framr-4075	740	6	emerging	emerge	VERB
framr-4075	740	7	technologies	technology	NOUN
framr-4075	740	8	we	we	PRON
framr-4075	740	9	can	can	AUX
framr-4075	740	10	tackle	tackle	VERB
framr-4075	740	11	the	the	DET
framr-4075	740	12	problems	problem	NOUN
framr-4075	740	13	.	.	PUNCT
framr-4075	741	1	experiments	experiment	NOUN
framr-4075	741	2	in	in	ADP
framr-4075	741	3	the	the	DET
framr-4075	741	4	real	real	ADJ
framr-4075	741	5	world	world	NOUN
framr-4075	741	6	,	,	PUNCT
framr-4075	741	7	such	such	ADJ
framr-4075	741	8	as	as	ADP
framr-4075	741	9	the	the	DET
framr-4075	741	10	financial	financial	ADJ
framr-4075	741	11	crimes	crime	NOUN
framr-4075	741	12	section	section	NOUN
framr-4075	741	13	of	of	ADP
framr-4075	741	14	the	the	DET
framr-4075	741	15	fbi	fbi	PROPN
framr-4075	741	16	's	's	PART
framr-4075	741	17	detection	detection	NOUN
framr-4075	741	18	and	and	CCONJ
framr-4075	741	19	disruption	disruption	NOUN
framr-4075	741	20	of	of	ADP
framr-4075	741	21	large	large	ADJ
framr-4075	741	22	-	-	PUNCT
framr-4075	741	23	scale	scale	NOUN
framr-4075	741	24	fraud	fraud	NOUN
framr-4075	741	25	schemes	scheme	NOUN
framr-4075	741	26	,	,	PUNCT
framr-4075	741	27	show	show	VERB
framr-4075	741	28	how	how	SCONJ
framr-4075	741	29	important	important	ADJ
framr-4075	741	30	machine	machine	NOUN
framr-4075	741	31	learning	learning	NOUN
framr-4075	741	32	and	and	CCONJ
framr-4075	741	33	big	big	ADJ
framr-4075	741	34	data	datum	NOUN
framr-4075	741	35	are	be	AUX
framr-4075	741	36	to	to	ADP
framr-4075	741	37	protecting	protect	VERB
framr-4075	741	38	the	the	DET
framr-4075	741	39	nation	nation	NOUN
framr-4075	741	40	's	's	PART
framr-4075	741	41	financial	financial	ADJ
framr-4075	741	42	borders	border	NOUN
framr-4075	741	43	(	(	PUNCT
framr-4075	741	44	saxena	saxena	PROPN
framr-4075	741	45	&	&	CCONJ
framr-4075	741	46	vafin	vafin	PROPN
framr-4075	741	47	,	,	PUNCT
framr-4075	741	48	2019	2019	NUM
framr-4075	741	49	)	)	PUNCT
framr-4075	741	50	.	.	PUNCT
framr-4075	742	1	solutions	solution	NOUN
framr-4075	742	2	based	base	VERB
framr-4075	742	3	on	on	ADP
framr-4075	742	4	graph	graph	NOUN
framr-4075	742	5	computing	computing	NOUN
framr-4075	742	6	concepts	concept	NOUN
framr-4075	742	7	for	for	ADP
framr-4075	742	8	ai	ai	PROPN
framr-4075	742	9	and	and	CCONJ
framr-4075	742	10	machine	machine	NOUN
framr-4075	742	11	learning	learning	NOUN
framr-4075	742	12	have	have	AUX
framr-4075	742	13	attracted	attract	VERB
framr-4075	742	14	a	a	DET
framr-4075	742	15	lot	lot	NOUN
framr-4075	742	16	of	of	ADP
framr-4075	742	17	attention	attention	NOUN
framr-4075	742	18	.	.	PUNCT
framr-4075	743	1	graph	graph	NOUN
framr-4075	743	2	neural	neural	ADJ
framr-4075	743	3	networks	network	NOUN
framr-4075	743	4	and	and	CCONJ
framr-4075	743	5	newly	newly	ADV
framr-4075	743	6	developed	develop	VERB
framr-4075	743	7	adaptive	adaptive	ADJ
framr-4075	743	8	solutions	solution	NOUN
framr-4075	743	9	provide	provide	VERB
framr-4075	743	10	promising	promising	ADJ
framr-4075	743	11	prospects	prospect	NOUN
framr-4075	743	12	for	for	ADP
framr-4075	743	13	the	the	DET
framr-4075	743	14	identification	identification	NOUN
framr-4075	743	15	of	of	ADP
framr-4075	743	16	financial	financial	ADJ
framr-4075	743	17	crimes	crime	NOUN
framr-4075	743	18	and	and	CCONJ
framr-4075	743	19	fraud	fraud	NOUN
framr-4075	743	20	in	in	ADP
framr-4075	743	21	the	the	DET
framr-4075	743	22	future	future	NOUN
framr-4075	743	23	.	.	PUNCT
framr-4075	744	1	financial	financial	ADJ
framr-4075	744	2	risk	risk	NOUN
framr-4075	744	3	and	and	CCONJ
framr-4075	744	4	management	management	NOUN
framr-4075	744	5	reviews	review	NOUN
framr-4075	744	6	,	,	PUNCT
framr-4075	744	7	2025	2025	NUM
framr-4075	744	8	,	,	PUNCT
framr-4075	744	9	11(1	11(1	NUM
framr-4075	744	10	):	):	PUNCT
framr-4075	744	11	1	1	NUM
framr-4075	744	12	-	-	SYM
framr-4075	744	13	36	36	NUM
framr-4075	744	14	28	28	NUM
framr-4075	744	15	©	©	PROPN
framr-4075	744	16	2025	2025	NUM
framr-4075	744	17	conscientia	conscientia	PROPN
framr-4075	744	18	beam	beam	PROPN
framr-4075	744	19	.	.	PUNCT
framr-4075	745	1	all	all	DET
framr-4075	745	2	rights	right	NOUN
framr-4075	745	3	reserved	reserve	VERB
framr-4075	745	4	.	.	PUNCT
framr-4075	746	1	11	11	NUM
framr-4075	746	2	.	.	PUNCT
framr-4075	747	1	implications	implication	NOUN
framr-4075	747	2	our	our	PRON
framr-4075	747	3	paper	paper	NOUN
framr-4075	747	4	provides	provide	VERB
framr-4075	747	5	insights	insight	NOUN
framr-4075	747	6	into	into	ADP
framr-4075	747	7	both	both	CCONJ
framr-4075	747	8	the	the	DET
framr-4075	747	9	positive	positive	ADJ
framr-4075	747	10	and	and	CCONJ
framr-4075	747	11	negative	negative	ADJ
framr-4075	747	12	impact	impact	NOUN
framr-4075	747	13	of	of	ADP
framr-4075	747	14	fintech	fintech	NOUN
framr-4075	747	15	on	on	ADP
framr-4075	747	16	financial	financial	ADJ
framr-4075	747	17	institutions	institution	NOUN
framr-4075	747	18	,	,	PUNCT
framr-4075	747	19	the	the	DET
framr-4075	747	20	economy	economy	NOUN
framr-4075	747	21	and	and	CCONJ
framr-4075	747	22	consumers	consumer	NOUN
framr-4075	747	23	that	that	PRON
framr-4075	747	24	contribute	contribute	VERB
framr-4075	747	25	to	to	ADP
framr-4075	747	26	both	both	CCONJ
framr-4075	747	27	practical	practical	ADJ
framr-4075	747	28	and	and	CCONJ
framr-4075	747	29	theoretical	theoretical	ADJ
framr-4075	747	30	implications	implication	NOUN
framr-4075	747	31	.	.	PUNCT
framr-4075	748	1	financial	financial	ADJ
framr-4075	748	2	institutions	institution	NOUN
framr-4075	748	3	will	will	AUX
framr-4075	748	4	be	be	AUX
framr-4075	748	5	more	more	ADV
framr-4075	748	6	aware	aware	ADJ
framr-4075	748	7	of	of	ADP
framr-4075	748	8	the	the	DET
framr-4075	748	9	different	different	ADJ
framr-4075	748	10	kinds	kind	NOUN
framr-4075	748	11	of	of	ADP
framr-4075	748	12	crimes	crime	NOUN
framr-4075	748	13	and	and	CCONJ
framr-4075	748	14	related	related	ADJ
framr-4075	748	15	crimes	crime	NOUN
framr-4075	748	16	generated	generate	VERB
framr-4075	748	17	by	by	ADP
framr-4075	748	18	employing	employ	VERB
framr-4075	748	19	fintech	fintech	NOUN
framr-4075	748	20	.	.	PUNCT
framr-4075	749	1	future	future	ADJ
framr-4075	749	2	researchers	researcher	NOUN
framr-4075	749	3	can	can	AUX
framr-4075	749	4	add	add	VERB
framr-4075	749	5	more	more	ADJ
framr-4075	749	6	knowledge	knowledge	NOUN
framr-4075	749	7	by	by	ADP
framr-4075	749	8	suggesting	suggest	VERB
framr-4075	749	9	and	and	CCONJ
framr-4075	749	10	finding	find	VERB
framr-4075	749	11	out	out	ADP
framr-4075	749	12	how	how	SCONJ
framr-4075	749	13	emerging	emerge	VERB
framr-4075	749	14	crimes	crime	NOUN
framr-4075	749	15	can	can	AUX
framr-4075	749	16	be	be	AUX
framr-4075	749	17	mitigated	mitigate	VERB
framr-4075	749	18	.	.	PUNCT
framr-4075	750	1	the	the	DET
framr-4075	750	2	following	follow	VERB
framr-4075	750	3	are	be	AUX
framr-4075	750	4	some	some	DET
framr-4075	750	5	ways	way	NOUN
framr-4075	750	6	that	that	PRON
framr-4075	750	7	trade	trade	NOUN
framr-4075	750	8	and	and	CCONJ
framr-4075	750	9	investment	investment	NOUN
framr-4075	750	10	implementing	implement	VERB
framr-4075	750	11	authorities	authority	NOUN
framr-4075	750	12	can	can	AUX
framr-4075	750	13	help	help	VERB
framr-4075	750	14	the	the	DET
framr-4075	750	15	fintech	fintech	NOUN
framr-4075	750	16	pod	pod	NOUN
framr-4075	750	17	succeed	succeed	VERB
framr-4075	750	18	:	:	PUNCT
framr-4075	750	19	assigning	assign	VERB
framr-4075	750	20	fintech	fintech	NOUN
framr-4075	750	21	experts	expert	NOUN
framr-4075	750	22	to	to	PART
framr-4075	750	23	oversee	oversee	VERB
framr-4075	750	24	fintech	fintech	NOUN
framr-4075	750	25	bridge	bridge	NOUN
framr-4075	750	26	initiatives	initiative	NOUN
framr-4075	750	27	,	,	PUNCT
framr-4075	750	28	such	such	ADJ
framr-4075	750	29	as	as	ADP
framr-4075	750	30	offering	offer	VERB
framr-4075	750	31	customized	customize	VERB
framr-4075	750	32	strategic	strategic	ADJ
framr-4075	750	33	counsel	counsel	NOUN
framr-4075	750	34	to	to	PART
framr-4075	750	35	fintech	fintech	NOUN
framr-4075	750	36	companies	company	NOUN
framr-4075	750	37	establishing	establish	VERB
framr-4075	750	38	operations	operation	NOUN
framr-4075	750	39	in	in	ADP
framr-4075	750	40	a	a	DET
framr-4075	750	41	state	state	NOUN
framr-4075	750	42	party	party	NOUN
framr-4075	750	43	;	;	PUNCT
framr-4075	750	44	acting	act	VERB
framr-4075	750	45	as	as	ADP
framr-4075	750	46	a	a	DET
framr-4075	750	47	point	point	NOUN
framr-4075	750	48	of	of	ADP
framr-4075	750	49	contact	contact	NOUN
framr-4075	750	50	for	for	ADP
framr-4075	750	51	fintech	fintech	NOUN
framr-4075	750	52	companies	company	NOUN
framr-4075	750	53	in	in	ADP
framr-4075	750	54	each	each	DET
framr-4075	750	55	market	market	NOUN
framr-4075	750	56	,	,	PUNCT
framr-4075	750	57	offering	offer	VERB
framr-4075	750	58	support	support	NOUN
framr-4075	750	59	with	with	ADP
framr-4075	750	60	inquiries	inquiry	NOUN
framr-4075	750	61	and	and	CCONJ
framr-4075	750	62	opportunity	opportunity	NOUN
framr-4075	750	63	identification	identification	NOUN
framr-4075	750	64	;	;	PUNCT
framr-4075	750	65	establishing	establish	VERB
framr-4075	750	66	connections	connection	NOUN
framr-4075	750	67	amongst	amongst	ADP
framr-4075	750	68	fintech	fintech	NOUN
framr-4075	750	69	personnel	personnel	NOUN
framr-4075	750	70	employed	employ	VERB
framr-4075	750	71	by	by	ADP
framr-4075	750	72	appropriate	appropriate	ADJ
framr-4075	750	73	trade	trade	NOUN
framr-4075	750	74	and	and	CCONJ
framr-4075	750	75	investment	investment	NOUN
framr-4075	750	76	implementing	implement	VERB
framr-4075	750	77	authorities	authority	NOUN
framr-4075	750	78	;	;	PUNCT
framr-4075	750	79	assisting	assist	VERB
framr-4075	750	80	in	in	ADP
framr-4075	750	81	matching	match	VERB
framr-4075	750	82	events	event	NOUN
framr-4075	750	83	,	,	PUNCT
framr-4075	750	84	gatherings	gathering	NOUN
framr-4075	750	85	,	,	PUNCT
framr-4075	750	86	and	and	CCONJ
framr-4075	750	87	networking	network	VERB
framr-4075	750	88	chances	chance	NOUN
framr-4075	750	89	for	for	ADP
framr-4075	750	90	businesses	business	NOUN
framr-4075	750	91	interested	interested	ADJ
framr-4075	750	92	in	in	ADP
framr-4075	750	93	partnering	partner	VERB
framr-4075	750	94	.	.	PUNCT
framr-4075	751	1	like	like	ADP
framr-4075	751	2	scammers	scammer	NOUN
framr-4075	751	3	always	always	ADV
framr-4075	751	4	come	come	VERB
framr-4075	751	5	up	up	ADP
framr-4075	751	6	with	with	ADP
framr-4075	751	7	new	new	ADJ
framr-4075	751	8	methods	method	NOUN
framr-4075	751	9	to	to	PART
framr-4075	751	10	trick	trick	VERB
framr-4075	751	11	financial	financial	ADJ
framr-4075	751	12	institutions	institution	NOUN
framr-4075	751	13	,	,	PUNCT
framr-4075	751	14	fintech	fintech	NOUN
framr-4075	751	15	is	be	AUX
framr-4075	751	16	changing	change	VERB
framr-4075	751	17	as	as	ADP
framr-4075	751	18	a	a	DET
framr-4075	751	19	result	result	NOUN
framr-4075	751	20	of	of	ADP
framr-4075	751	21	the	the	DET
framr-4075	751	22	emergence	emergence	NOUN
framr-4075	751	23	of	of	ADP
framr-4075	751	24	cutting	cut	VERB
framr-4075	751	25	-	-	PUNCT
framr-4075	751	26	edge	edge	NOUN
framr-4075	751	27	technology	technology	NOUN
framr-4075	751	28	that	that	PRON
framr-4075	751	29	employ	employ	VERB
framr-4075	751	30	ai	ai	VERB
framr-4075	751	31	to	to	PART
framr-4075	751	32	stop	stop	VERB
framr-4075	751	33	and	and	CCONJ
framr-4075	751	34	identify	identify	VERB
framr-4075	751	35	fraud	fraud	NOUN
framr-4075	751	36	.	.	PUNCT
framr-4075	752	1	detecting	detect	VERB
framr-4075	752	2	and	and	CCONJ
framr-4075	752	3	preventing	prevent	VERB
framr-4075	752	4	fraud	fraud	NOUN
framr-4075	752	5	is	be	AUX
framr-4075	752	6	a	a	DET
framr-4075	752	7	continuous	continuous	ADJ
framr-4075	752	8	process	process	NOUN
framr-4075	752	9	.	.	PUNCT
framr-4075	753	1	in	in	ADP
framr-4075	753	2	the	the	DET
framr-4075	753	3	fintech	fintech	NOUN
framr-4075	753	4	industry	industry	NOUN
framr-4075	753	5	,	,	PUNCT
framr-4075	753	6	fraud	fraud	NOUN
framr-4075	753	7	may	may	AUX
framr-4075	753	8	be	be	AUX
framr-4075	753	9	prevented	prevent	VERB
framr-4075	753	10	and	and	CCONJ
framr-4075	753	11	detected	detect	VERB
framr-4075	753	12	with	with	ADP
framr-4075	753	13	the	the	DET
framr-4075	753	14	use	use	NOUN
framr-4075	753	15	of	of	ADP
framr-4075	753	16	contemporary	contemporary	ADJ
framr-4075	753	17	technology	technology	NOUN
framr-4075	753	18	like	like	ADP
framr-4075	753	19	ai	ai	INTJ
framr-4075	753	20	and	and	CCONJ
framr-4075	753	21	machine	machine	NOUN
framr-4075	753	22	learning	learning	NOUN
framr-4075	753	23	.	.	PUNCT
framr-4075	754	1	at	at	ADP
framr-4075	754	2	the	the	DET
framr-4075	754	3	corporate	corporate	ADJ
framr-4075	754	4	,	,	PUNCT
framr-4075	754	5	managerial	managerial	ADJ
framr-4075	754	6	,	,	PUNCT
framr-4075	754	7	and	and	CCONJ
framr-4075	754	8	personal	personal	ADJ
framr-4075	754	9	levels	level	NOUN
framr-4075	754	10	,	,	PUNCT
framr-4075	754	11	integrity	integrity	NOUN
framr-4075	754	12	and	and	CCONJ
framr-4075	754	13	ethical	ethical	ADJ
framr-4075	754	14	concerns	concern	NOUN
framr-4075	754	15	with	with	ADP
framr-4075	754	16	fintech	fintech	NOUN
framr-4075	754	17	would	would	AUX
framr-4075	754	18	presumably	presumably	ADV
framr-4075	754	19	never	never	ADV
framr-4075	754	20	go	go	VERB
framr-4075	754	21	away	away	ADV
framr-4075	754	22	.	.	PUNCT
framr-4075	755	1	it	it	PRON
framr-4075	755	2	is	be	AUX
framr-4075	755	3	crucial	crucial	ADJ
framr-4075	755	4	to	to	PART
framr-4075	755	5	remember	remember	VERB
framr-4075	755	6	that	that	PRON
framr-4075	755	7	cybersecurity	cybersecurity	NOUN
framr-4075	755	8	education	education	NOUN
framr-4075	755	9	and	and	CCONJ
framr-4075	755	10	training	training	NOUN
framr-4075	755	11	would	would	AUX
framr-4075	755	12	be	be	AUX
framr-4075	755	13	ineffective	ineffective	ADJ
framr-4075	755	14	if	if	SCONJ
framr-4075	755	15	it	it	PRON
framr-4075	755	16	did	do	AUX
framr-4075	755	17	n't	not	PART
framr-4075	755	18	address	address	VERB
framr-4075	755	19	the	the	DET
framr-4075	755	20	fraud	fraud	NOUN
framr-4075	755	21	concerns	concern	NOUN
framr-4075	755	22	related	relate	VERB
framr-4075	755	23	to	to	ADP
framr-4075	755	24	human	human	ADJ
framr-4075	755	25	ethics	ethic	NOUN
framr-4075	755	26	and	and	CCONJ
framr-4075	755	27	integrity	integrity	NOUN
framr-4075	755	28	.	.	PUNCT
framr-4075	756	1	for	for	ADP
framr-4075	756	2	the	the	DET
framr-4075	756	3	fintech	fintech	NOUN
framr-4075	756	4	experts	expert	NOUN
framr-4075	756	5	working	work	VERB
framr-4075	756	6	on	on	ADP
framr-4075	756	7	the	the	DET
framr-4075	756	8	overall	overall	ADJ
framr-4075	756	9	architecture	architecture	NOUN
framr-4075	756	10	and	and	CCONJ
framr-4075	756	11	growth	growth	NOUN
framr-4075	756	12	of	of	ADP
framr-4075	756	13	the	the	DET
framr-4075	756	14	fintech	fintech	NOUN
framr-4075	756	15	infrastructure	infrastructure	NOUN
framr-4075	756	16	,	,	PUNCT
framr-4075	756	17	such	such	ADJ
framr-4075	756	18	moral	moral	ADJ
framr-4075	756	19	behaviour	behaviour	NOUN
framr-4075	756	20	is	be	AUX
framr-4075	756	21	even	even	ADV
framr-4075	756	22	more	more	ADV
framr-4075	756	23	important	important	ADJ
framr-4075	756	24	.	.	PUNCT
framr-4075	757	1	funding	funding	NOUN
framr-4075	757	2	:	:	PUNCT
framr-4075	757	3	this	this	DET
framr-4075	757	4	study	study	NOUN
framr-4075	757	5	received	receive	VERB
framr-4075	757	6	no	no	DET
framr-4075	757	7	specific	specific	ADJ
framr-4075	757	8	financial	financial	ADJ
framr-4075	757	9	support	support	NOUN
framr-4075	757	10	.	.	PUNCT
framr-4075	758	1	institutional	institutional	ADJ
framr-4075	758	2	review	review	PROPN
framr-4075	758	3	board	board	NOUN
framr-4075	758	4	statement	statement	NOUN
framr-4075	758	5	:	:	PUNCT
framr-4075	758	6	not	not	PART
framr-4075	758	7	applicable	applicable	ADJ
framr-4075	758	8	.	.	PUNCT
framr-4075	759	1	transparency	transparency	NOUN
framr-4075	759	2	:	:	PUNCT
framr-4075	759	3	the	the	DET
framr-4075	759	4	authors	author	NOUN
framr-4075	759	5	declare	declare	VERB
framr-4075	759	6	that	that	SCONJ
framr-4075	759	7	the	the	DET
framr-4075	759	8	manuscript	manuscript	NOUN
framr-4075	759	9	is	be	AUX
framr-4075	759	10	honest	honest	ADJ
framr-4075	759	11	,	,	PUNCT
framr-4075	759	12	truthful	truthful	ADJ
framr-4075	759	13	and	and	CCONJ
framr-4075	759	14	transparent	transparent	ADJ
framr-4075	759	15	,	,	PUNCT
framr-4075	759	16	that	that	SCONJ
framr-4075	759	17	no	no	DET
framr-4075	759	18	important	important	ADJ
framr-4075	759	19	aspects	aspect	NOUN
framr-4075	759	20	of	of	ADP
framr-4075	759	21	the	the	DET
framr-4075	759	22	study	study	NOUN
framr-4075	759	23	have	have	AUX
framr-4075	759	24	been	be	AUX
framr-4075	759	25	omitted	omit	VERB
framr-4075	759	26	and	and	CCONJ
framr-4075	759	27	that	that	SCONJ
framr-4075	759	28	all	all	DET
framr-4075	759	29	deviations	deviation	NOUN
framr-4075	759	30	from	from	ADP
framr-4075	759	31	the	the	DET
framr-4075	759	32	planned	plan	VERB
framr-4075	759	33	study	study	NOUN
framr-4075	759	34	have	have	AUX
framr-4075	759	35	been	be	AUX
framr-4075	759	36	made	make	VERB
framr-4075	759	37	clear	clear	ADJ
framr-4075	759	38	.	.	PUNCT
framr-4075	760	1	this	this	DET
framr-4075	760	2	study	study	NOUN
framr-4075	760	3	followed	follow	VERB
framr-4075	760	4	all	all	DET
framr-4075	760	5	rules	rule	NOUN
framr-4075	760	6	of	of	ADP
framr-4075	760	7	writing	write	VERB
framr-4075	760	8	ethics	ethic	NOUN
framr-4075	760	9	.	.	PUNCT
framr-4075	761	1	data	datum	NOUN
framr-4075	761	2	availability	availability	NOUN
framr-4075	761	3	statement	statement	NOUN
framr-4075	761	4	:	:	PUNCT
framr-4075	761	5	the	the	DET
framr-4075	761	6	corresponding	corresponding	ADJ
framr-4075	761	7	author	author	NOUN
framr-4075	761	8	can	can	AUX
framr-4075	761	9	provide	provide	VERB
framr-4075	761	10	the	the	DET
framr-4075	761	11	supporting	support	VERB
framr-4075	761	12	data	datum	NOUN
framr-4075	761	13	of	of	ADP
framr-4075	761	14	this	this	DET
framr-4075	761	15	study	study	NOUN
framr-4075	761	16	upon	upon	SCONJ
framr-4075	761	17	a	a	DET
framr-4075	761	18	reasonable	reasonable	ADJ
framr-4075	761	19	request	request	NOUN
framr-4075	761	20	.	.	PUNCT
framr-4075	762	1	competing	compete	VERB
framr-4075	762	2	interests	interest	NOUN
framr-4075	762	3	:	:	PUNCT
framr-4075	762	4	the	the	DET
framr-4075	762	5	authors	author	NOUN
framr-4075	762	6	declare	declare	VERB
framr-4075	762	7	that	that	SCONJ
framr-4075	762	8	they	they	PRON
framr-4075	762	9	have	have	VERB
framr-4075	762	10	no	no	DET
framr-4075	762	11	competing	compete	VERB
framr-4075	762	12	interests	interest	NOUN
framr-4075	762	13	.	.	PUNCT
framr-4075	763	1	authors	author	NOUN
framr-4075	763	2	’	'	PUNCT
framr-4075	763	3	contributions	contribution	NOUN
framr-4075	763	4	:	:	PUNCT
framr-4075	763	5	all	all	DET
framr-4075	763	6	authors	author	NOUN
framr-4075	763	7	contributed	contribute	VERB
framr-4075	763	8	equally	equally	ADV
framr-4075	763	9	to	to	ADP
framr-4075	763	10	the	the	DET
framr-4075	763	11	conception	conception	NOUN
framr-4075	763	12	and	and	CCONJ
framr-4075	763	13	design	design	NOUN
framr-4075	763	14	of	of	ADP
framr-4075	763	15	the	the	DET
framr-4075	763	16	study	study	NOUN
framr-4075	763	17	.	.	PUNCT
framr-4075	764	1	all	all	DET
framr-4075	764	2	authors	author	NOUN
framr-4075	764	3	have	have	AUX
framr-4075	764	4	read	read	VERB
framr-4075	764	5	and	and	CCONJ
framr-4075	764	6	agreed	agree	VERB
framr-4075	764	7	to	to	ADP
framr-4075	764	8	the	the	DET
framr-4075	764	9	published	publish	VERB
framr-4075	764	10	version	version	NOUN
framr-4075	764	11	of	of	ADP
framr-4075	764	12	the	the	DET
framr-4075	764	13	manuscript	manuscript	NOUN
framr-4075	764	14	.	.	PUNCT
framr-4075	765	1	references	reference	NOUN
framr-4075	765	2	abdul	abdul	PROPN
framr-4075	765	3	-	-	PUNCT
framr-4075	765	4	qawy	qawy	PROPN
framr-4075	765	5	,	,	PUNCT
framr-4075	765	6	a.	a.	PROPN
framr-4075	765	7	s.	s.	PROPN
framr-4075	765	8	,	,	PUNCT
framr-4075	765	9	pramod	pramod	PROPN
framr-4075	765	10	,	,	PUNCT
framr-4075	765	11	p.	p.	PROPN
framr-4075	765	12	,	,	PUNCT
framr-4075	765	13	magesh	magesh	PROPN
framr-4075	765	14	,	,	PUNCT
framr-4075	765	15	e.	e.	PROPN
framr-4075	765	16	,	,	PUNCT
framr-4075	765	17	&	&	CCONJ
framr-4075	765	18	srinivasulu	srinivasulu	ADJ
framr-4075	765	19	,	,	PUNCT
framr-4075	765	20	t.	t.	PROPN
framr-4075	765	21	(	(	PUNCT
framr-4075	765	22	2015	2015	NUM
framr-4075	765	23	)	)	PUNCT
framr-4075	765	24	.	.	PUNCT
framr-4075	766	1	the	the	DET
framr-4075	766	2	internet	internet	NOUN
framr-4075	766	3	of	of	ADP
framr-4075	766	4	things	thing	NOUN
framr-4075	766	5	(	(	PUNCT
framr-4075	766	6	iot	iot	NOUN
framr-4075	766	7	):	):	PUNCT
framr-4075	766	8	an	an	DET
framr-4075	766	9	overview	overview	NOUN
framr-4075	766	10	.	.	PUNCT
framr-4075	767	1	international	international	ADJ
framr-4075	767	2	journal	journal	NOUN
framr-4075	767	3	of	of	ADP
framr-4075	767	4	engineering	engineering	NOUN
framr-4075	767	5	research	research	NOUN
framr-4075	767	6	and	and	CCONJ
framr-4075	767	7	applications	application	NOUN
framr-4075	767	8	,	,	PUNCT
framr-4075	767	9	5(12	5(12	NUM
framr-4075	767	10	)	)	PUNCT
framr-4075	767	11	,	,	PUNCT
framr-4075	767	12	71	71	NUM
framr-4075	767	13	-	-	SYM
framr-4075	767	14	82	82	NUM
framr-4075	767	15	.	.	PUNCT
framr-4075	768	1	accenture	accenture	NOUN
framr-4075	768	2	.	.	PUNCT
framr-4075	769	1	(	(	PUNCT
framr-4075	769	2	2016	2016	NUM
framr-4075	769	3	)	)	PUNCT
framr-4075	769	4	.	.	PUNCT
framr-4075	770	1	global	global	ADJ
framr-4075	770	2	fintech	fintech	NOUN
framr-4075	770	3	investment	investment	NOUN
framr-4075	770	4	growth	growth	NOUN
framr-4075	770	5	continues	continue	VERB
framr-4075	770	6	in	in	ADP
framr-4075	770	7	2016	2016	NUM
framr-4075	770	8	driven	drive	VERB
framr-4075	770	9	by	by	ADP
framr-4075	770	10	europe	europe	PROPN
framr-4075	770	11	and	and	CCONJ
framr-4075	770	12	asia	asia	PROPN
framr-4075	770	13	,	,	PUNCT
framr-4075	770	14	accenture	accenture	NOUN
framr-4075	770	15	study	study	NOUN
framr-4075	770	16	find	find	NOUN
framr-4075	770	17	.	.	PUNCT
framr-4075	771	1	retrieved	retrieve	VERB
framr-4075	771	2	from	from	ADP
framr-4075	771	3	https://www.accenture.com/us-en	https://www.accenture.com/us-en	PROPN
framr-4075	771	4	accenture	accenture	NOUN
framr-4075	771	5	.	.	PUNCT
framr-4075	772	1	(	(	PUNCT
framr-4075	772	2	2021	2021	NUM
framr-4075	772	3	)	)	PUNCT
framr-4075	772	4	.	.	PUNCT
framr-4075	773	1	cost	cost	NOUN
framr-4075	773	2	reduction	reduction	NOUN
framr-4075	773	3	in	in	ADP
framr-4075	773	4	financial	financial	ADJ
framr-4075	773	5	services	service	NOUN
framr-4075	773	6	through	through	ADP
framr-4075	773	7	fintech	fintech	NOUN
framr-4075	773	8	.	.	PUNCT
framr-4075	774	1	retrieved	retrieve	VERB
framr-4075	774	2	from	from	ADP
framr-4075	774	3	https://www.accenture.com/in-en	https://www.accenture.com/in-en	PROPN
framr-4075	774	4	achim	achim	PROPN
framr-4075	774	5	,	,	PUNCT
framr-4075	774	6	m.	m.	NOUN
framr-4075	774	7	v.	v.	PROPN
framr-4075	774	8	,	,	PUNCT
framr-4075	774	9	&	&	CCONJ
framr-4075	774	10	borlea	borlea	PROPN
framr-4075	774	11	,	,	PUNCT
framr-4075	774	12	s.	s.	PROPN
framr-4075	774	13	n.	n.	PROPN
framr-4075	774	14	(	(	PUNCT
framr-4075	774	15	2020	2020	NUM
framr-4075	774	16	)	)	PUNCT
framr-4075	774	17	.	.	PUNCT
framr-4075	775	1	economic	economic	ADJ
framr-4075	775	2	and	and	CCONJ
framr-4075	775	3	financial	financial	ADJ
framr-4075	775	4	crime	crime	NOUN
framr-4075	775	5	:	:	PUNCT
framr-4075	775	6	springer	springer	NOUN
framr-4075	775	7	international	international	ADJ
framr-4075	775	8	publishing	publishing	NOUN
framr-4075	775	9	.	.	PUNCT
framr-4075	776	1	https://doi.org/10.1007/978-3-030-51780-9	https://doi.org/10.1007/978-3-030-51780-9	PROPN
framr-4075	776	2	.	.	PUNCT
framr-4075	777	1	achim	achim	PROPN
framr-4075	777	2	,	,	PUNCT
framr-4075	777	3	m.	m.	PROPN
framr-4075	777	4	v.	v.	PROPN
framr-4075	777	5	,	,	PUNCT
framr-4075	777	6	pisoni	pisoni	NOUN
framr-4075	777	7	,	,	PUNCT
framr-4075	777	8	g.	g.	PROPN
framr-4075	777	9	,	,	PUNCT
framr-4075	777	10	mare	mare	PROPN
framr-4075	777	11	,	,	PUNCT
framr-4075	777	12	c.	c.	PROPN
framr-4075	777	13	,	,	PUNCT
framr-4075	777	14	moloney	moloney	PROPN
framr-4075	777	15	,	,	PUNCT
framr-4075	777	16	m.	m.	NOUN
framr-4075	777	17	,	,	PUNCT
framr-4075	777	18	korba	korba	PROPN
framr-4075	777	19	,	,	PUNCT
framr-4075	777	20	s.	s.	PROPN
framr-4075	777	21	,	,	PUNCT
framr-4075	777	22	molnár	molnár	PROPN
framr-4075	777	23	,	,	PUNCT
framr-4075	777	24	b.	b.	PROPN
framr-4075	777	25	,	,	PUNCT
framr-4075	777	26	.	.	PUNCT
framr-4075	777	27	.	.	PUNCT
framr-4075	777	28	.	.	PUNCT
framr-4075	778	1	coita	coita	PROPN
framr-4075	778	2	,	,	PUNCT
framr-4075	778	3	i.	i.	PROPN
framr-4075	778	4	f.	f.	PROPN
framr-4075	778	5	(	(	PUNCT
framr-4075	778	6	2023	2023	NUM
framr-4075	778	7	)	)	PUNCT
framr-4075	778	8	.	.	PUNCT
framr-4075	779	1	fintech	fintech	NOUN
framr-4075	779	2	,	,	PUNCT
framr-4075	779	3	regulation	regulation	NOUN
framr-4075	779	4	,	,	PUNCT
framr-4075	779	5	and	and	CCONJ
framr-4075	779	6	cybercrime	cybercrime	NOUN
framr-4075	779	7	:	:	PUNCT
framr-4075	779	8	opportunities	opportunity	NOUN
framr-4075	779	9	arising	arise	VERB
framr-4075	779	10	from	from	ADP
framr-4075	779	11	new	new	ADJ
framr-4075	779	12	technologies	technology	NOUN
framr-4075	779	13	.	.	PUNCT
framr-4075	780	1	available	available	ADJ
framr-4075	780	2	at	at	ADP
framr-4075	780	3	ssrn	ssrn	PROPN
framr-4075	780	4	.	.	PUNCT
framr-4075	781	1	https://doi.org/10.2139/ssrn.4620106	https://doi.org/10.2139/ssrn.4620106	NOUN
framr-4075	781	2	adeosun	adeosun	VERB
framr-4075	781	3	,	,	PUNCT
framr-4075	781	4	o.	o.	PROPN
framr-4075	781	5	a.	a.	PROPN
framr-4075	781	6	,	,	PUNCT
framr-4075	781	7	anagreh	anagreh	NOUN
framr-4075	781	8	,	,	PUNCT
framr-4075	781	9	s.	s.	PROPN
framr-4075	781	10	,	,	PUNCT
framr-4075	781	11	tabash	tabash	PROPN
framr-4075	781	12	,	,	PUNCT
framr-4075	781	13	m.	m.	NOUN
framr-4075	781	14	i.	i.	PROPN
framr-4075	781	15	,	,	PUNCT
framr-4075	781	16	&	&	CCONJ
framr-4075	781	17	adedokun	adedokun	PROPN
framr-4075	781	18	,	,	PUNCT
framr-4075	781	19	a.	a.	NOUN
framr-4075	781	20	(	(	PUNCT
framr-4075	781	21	2023	2023	NUM
framr-4075	781	22	)	)	PUNCT
framr-4075	781	23	.	.	PUNCT
framr-4075	782	1	revisiting	revisit	VERB
framr-4075	782	2	the	the	DET
framr-4075	782	3	connectedness	connectedness	NOUN
framr-4075	782	4	between	between	ADP
framr-4075	782	5	oil	oil	NOUN
framr-4075	782	6	prices	price	NOUN
framr-4075	782	7	and	and	CCONJ
framr-4075	782	8	uncertainty	uncertainty	NOUN
framr-4075	782	9	indicators	indicator	NOUN
framr-4075	782	10	in	in	ADP
framr-4075	782	11	brics	bric	NOUN
framr-4075	782	12	countries	country	NOUN
framr-4075	782	13	.	.	PUNCT
framr-4075	783	1	resources	resource	NOUN
framr-4075	783	2	policy	policy	NOUN
framr-4075	783	3	,	,	PUNCT
framr-4075	783	4	86	86	NUM
framr-4075	783	5	,	,	PUNCT
framr-4075	783	6	104278	104278	NUM
framr-4075	783	7	.	.	PUNCT
framr-4075	784	1	https://doi.org/10.1016/j.resourpol.2023.104278	https://doi.org/10.1016/j.resourpol.2023.104278	ADJ
framr-4075	784	2	alade	alade	PROPN
framr-4075	784	3	,	,	PUNCT
framr-4075	784	4	i.	i.	NOUN
framr-4075	784	5	(	(	PUNCT
framr-4075	784	6	2023	2023	NUM
framr-4075	784	7	)	)	PUNCT
framr-4075	784	8	.	.	PUNCT
framr-4075	785	1	reconceptualization	reconceptualization	NOUN
framr-4075	785	2	of	of	ADP
framr-4075	785	3	corporate	corporate	ADJ
framr-4075	785	4	governance	governance	NOUN
framr-4075	785	5	for	for	ADP
framr-4075	785	6	fintech	fintech	NOUN
framr-4075	785	7	firms	firm	NOUN
framr-4075	785	8	.	.	PUNCT
framr-4075	786	1	loyola	loyola	PROPN
framr-4075	786	2	of	of	ADP
framr-4075	786	3	los	los	PROPN
framr-4075	786	4	angeles	angeles	PROPN
framr-4075	786	5	international	international	ADJ
framr-4075	786	6	and	and	CCONJ
framr-4075	786	7	comparative	comparative	ADJ
framr-4075	786	8	law	law	NOUN
framr-4075	786	9	review	review	NOUN
framr-4075	786	10	(	(	PUNCT
framr-4075	786	11	forthcoming	forthcoming	ADJ
framr-4075	786	12	)	)	PUNCT
framr-4075	786	13	.	.	PUNCT
framr-4075	787	1	alkhalil	alkhalil	PROPN
framr-4075	787	2	,	,	PUNCT
framr-4075	787	3	z.	z.	PROPN
framr-4075	787	4	,	,	PUNCT
framr-4075	787	5	hewage	hewage	NOUN
framr-4075	787	6	,	,	PUNCT
framr-4075	787	7	c.	c.	NOUN
framr-4075	787	8	,	,	PUNCT
framr-4075	787	9	nawaf	nawaf	PROPN
framr-4075	787	10	,	,	PUNCT
framr-4075	787	11	l.	l.	PROPN
framr-4075	787	12	,	,	PUNCT
framr-4075	787	13	&	&	CCONJ
framr-4075	787	14	khan	khan	PROPN
framr-4075	787	15	,	,	PUNCT
framr-4075	787	16	i.	i.	PROPN
framr-4075	787	17	(	(	PUNCT
framr-4075	787	18	2021	2021	NUM
framr-4075	787	19	)	)	PUNCT
framr-4075	787	20	.	.	PUNCT
framr-4075	788	1	phishing	phishe	VERB
framr-4075	788	2	attacks	attack	NOUN
framr-4075	788	3	:	:	PUNCT
framr-4075	788	4	a	a	DET
framr-4075	788	5	recent	recent	ADJ
framr-4075	788	6	comprehensive	comprehensive	ADJ
framr-4075	788	7	study	study	NOUN
framr-4075	788	8	and	and	CCONJ
framr-4075	788	9	a	a	DET
framr-4075	788	10	new	new	ADJ
framr-4075	788	11	anatomy	anatomy	NOUN
framr-4075	788	12	.	.	PUNCT
framr-4075	789	1	frontiers	frontier	NOUN
framr-4075	789	2	in	in	ADP
framr-4075	789	3	computer	computer	NOUN
framr-4075	789	4	science	science	NOUN
framr-4075	789	5	,	,	PUNCT
framr-4075	789	6	3	3	NUM
framr-4075	789	7	,	,	PUNCT
framr-4075	789	8	563060	563060	NUM
framr-4075	789	9	.	.	PUNCT
framr-4075	790	1	https://doi.org/10.3389/fcomp.2021.563060	https://doi.org/10.3389/fcomp.2021.563060	NOUN
framr-4075	790	2	https://www.accenture.com/us-en	https://www.accenture.com/us-en	VERB
framr-4075	790	3	https://www.accenture.com/in-en	https://www.accenture.com/in-en	PROPN
framr-4075	790	4	https://doi.org/10.1007/978-3-030-51780-9	https://doi.org/10.1007/978-3-030-51780-9	PROPN
framr-4075	790	5	https://doi.org/10.2139/ssrn.4620106	https://doi.org/10.2139/ssrn.4620106	NOUN
framr-4075	790	6	https://doi.org/10.1016/j.resourpol.2023.104278	https://doi.org/10.1016/j.resourpol.2023.104278	ADJ
framr-4075	790	7	https://doi.org/10.3389/fcomp.2021.563060	https://doi.org/10.3389/fcomp.2021.563060	PROPN
framr-4075	790	8	financial	financial	ADJ
framr-4075	790	9	risk	risk	NOUN
framr-4075	790	10	and	and	CCONJ
framr-4075	790	11	management	management	NOUN
framr-4075	790	12	reviews	review	NOUN
framr-4075	790	13	,	,	PUNCT
framr-4075	790	14	2025	2025	NUM
framr-4075	790	15	,	,	PUNCT
framr-4075	790	16	11(1	11(1	NUM
framr-4075	790	17	):	):	PUNCT
framr-4075	790	18	1	1	NUM
framr-4075	790	19	-	-	SYM
framr-4075	790	20	36	36	NUM
framr-4075	790	21	29	29	NUM
framr-4075	790	22	©	©	PROPN
framr-4075	790	23	2025	2025	NUM
framr-4075	790	24	conscientia	conscientia	PROPN
framr-4075	790	25	beam	beam	PROPN
framr-4075	790	26	.	.	PUNCT
framr-4075	791	1	all	all	DET
framr-4075	791	2	rights	right	NOUN
framr-4075	791	3	reserved	reserve	VERB
framr-4075	791	4	.	.	PUNCT
framr-4075	792	1	amadi	amadi	NOUN
framr-4075	792	2	,	,	PUNCT
framr-4075	792	3	a.	a.	NOUN
framr-4075	792	4	(	(	PUNCT
framr-4075	792	5	2023	2023	NUM
framr-4075	792	6	)	)	PUNCT
framr-4075	792	7	.	.	PUNCT
framr-4075	793	1	integration	integration	NOUN
framr-4075	793	2	in	in	ADP
framr-4075	793	3	a	a	DET
framr-4075	793	4	mixed	mixed	ADJ
framr-4075	793	5	-	-	PUNCT
framr-4075	793	6	method	method	NOUN
framr-4075	793	7	case	case	NOUN
framr-4075	793	8	study	study	NOUN
framr-4075	793	9	of	of	ADP
framr-4075	793	10	construction	construction	NOUN
framr-4075	793	11	phenomena	phenomenon	NOUN
framr-4075	793	12	:	:	PUNCT
framr-4075	793	13	from	from	ADP
framr-4075	793	14	data	datum	NOUN
framr-4075	793	15	to	to	ADP
framr-4075	793	16	theory	theory	NOUN
framr-4075	793	17	.	.	PUNCT
framr-4075	794	1	engineering	engineering	NOUN
framr-4075	794	2	,	,	PUNCT
framr-4075	794	3	construction	construction	NOUN
framr-4075	794	4	and	and	CCONJ
framr-4075	794	5	architectural	architectural	ADJ
framr-4075	794	6	management	management	NOUN
framr-4075	794	7	,	,	PUNCT
framr-4075	794	8	30(1	30(1	NUM
framr-4075	794	9	)	)	PUNCT
framr-4075	794	10	,	,	PUNCT
framr-4075	794	11	210	210	NUM
framr-4075	794	12	-	-	SYM
framr-4075	794	13	237	237	NUM
framr-4075	794	14	.	.	PUNCT
framr-4075	795	1	anagnostopoulos	anagnostopoulos	PROPN
framr-4075	795	2	,	,	PUNCT
framr-4075	795	3	i.	i.	PROPN
framr-4075	795	4	(	(	PUNCT
framr-4075	795	5	2018	2018	NUM
framr-4075	795	6	)	)	PUNCT
framr-4075	795	7	.	.	PUNCT
framr-4075	796	1	fintech	fintech	NOUN
framr-4075	796	2	and	and	CCONJ
framr-4075	796	3	regtech	regtech	PROPN
framr-4075	796	4	:	:	PUNCT
framr-4075	796	5	impact	impact	NOUN
framr-4075	796	6	on	on	ADP
framr-4075	796	7	regulators	regulator	NOUN
framr-4075	796	8	and	and	CCONJ
framr-4075	796	9	banks	bank	NOUN
framr-4075	796	10	.	.	PUNCT
framr-4075	797	1	journal	journal	PROPN
framr-4075	797	2	of	of	ADP
framr-4075	797	3	economics	economic	NOUN
framr-4075	797	4	and	and	CCONJ
framr-4075	797	5	business	business	NOUN
framr-4075	797	6	,	,	PUNCT
framr-4075	797	7	100	100	NUM
framr-4075	797	8	,	,	PUNCT
framr-4075	797	9	7–25	7–25	PROPN
framr-4075	797	10	.	.	PUNCT
framr-4075	798	1	https://doi.org/10.1016/j.jeconbus.2018.07.003	https://doi.org/10.1016/j.jeconbus.2018.07.003	PROPN
framr-4075	798	2	antal	antal	PROPN
framr-4075	798	3	,	,	PUNCT
framr-4075	798	4	c.	c.	PROPN
framr-4075	798	5	,	,	PUNCT
framr-4075	798	6	cioara	cioara	NOUN
framr-4075	798	7	,	,	PUNCT
framr-4075	798	8	t.	t.	PROPN
framr-4075	798	9	,	,	PUNCT
framr-4075	798	10	anghel	anghel	PROPN
framr-4075	798	11	,	,	PUNCT
framr-4075	798	12	i.	i.	PROPN
framr-4075	798	13	,	,	PUNCT
framr-4075	798	14	antal	antal	PROPN
framr-4075	798	15	,	,	PUNCT
framr-4075	798	16	m.	m.	NOUN
framr-4075	798	17	,	,	PUNCT
framr-4075	798	18	&	&	CCONJ
framr-4075	798	19	salomie	salomie	PROPN
framr-4075	798	20	,	,	PUNCT
framr-4075	798	21	i.	i.	PROPN
framr-4075	798	22	(	(	PUNCT
framr-4075	798	23	2021	2021	NUM
framr-4075	798	24	)	)	PUNCT
framr-4075	798	25	.	.	PUNCT
framr-4075	799	1	distributed	distribute	VERB
framr-4075	799	2	ledger	ledger	NOUN
framr-4075	799	3	technology	technology	NOUN
framr-4075	799	4	review	review	NOUN
framr-4075	799	5	and	and	CCONJ
framr-4075	799	6	decentralized	decentralized	ADJ
framr-4075	799	7	applications	application	NOUN
framr-4075	799	8	development	development	NOUN
framr-4075	799	9	guidelines	guideline	NOUN
framr-4075	799	10	.	.	PUNCT
framr-4075	800	1	future	future	ADJ
framr-4075	800	2	internet	internet	NOUN
framr-4075	800	3	,	,	PUNCT
framr-4075	800	4	13(3	13(3	NUM
framr-4075	800	5	)	)	PUNCT
framr-4075	800	6	,	,	PUNCT
framr-4075	800	7	62	62	NUM
framr-4075	800	8	.	.	PUNCT
framr-4075	801	1	https://doi.org/10.3390/fi13030062	https://doi.org/10.3390/fi13030062	PRON
framr-4075	801	2	arner	arner	NOUN
framr-4075	801	3	,	,	PUNCT
framr-4075	801	4	d.	d.	PROPN
framr-4075	801	5	w.	w.	PROPN
framr-4075	801	6	,	,	PUNCT
framr-4075	801	7	barberis	barberis	PROPN
framr-4075	801	8	,	,	PUNCT
framr-4075	801	9	j.	j.	PROPN
framr-4075	801	10	,	,	PUNCT
framr-4075	801	11	&	&	CCONJ
framr-4075	801	12	buckey	buckey	PROPN
framr-4075	801	13	,	,	PUNCT
framr-4075	801	14	r.	r.	PROPN
framr-4075	801	15	p.	p.	PROPN
framr-4075	801	16	(	(	PUNCT
framr-4075	801	17	2016	2016	NUM
framr-4075	801	18	)	)	PUNCT
framr-4075	801	19	.	.	PUNCT
framr-4075	802	1	fintech	fintech	NOUN
framr-4075	802	2	,	,	PUNCT
framr-4075	802	3	regtech	regtech	PROPN
framr-4075	802	4	,	,	PUNCT
framr-4075	802	5	and	and	CCONJ
framr-4075	802	6	the	the	DET
framr-4075	802	7	reconceptualization	reconceptualization	NOUN
framr-4075	802	8	of	of	ADP
framr-4075	802	9	financial	financial	ADJ
framr-4075	802	10	regulation	regulation	NOUN
framr-4075	802	11	.	.	PUNCT
framr-4075	803	1	journal	journal	PROPN
framr-4075	803	2	of	of	ADP
framr-4075	803	3	international	international	ADJ
framr-4075	803	4	law	law	NOUN
framr-4075	803	5	and	and	CCONJ
framr-4075	803	6	business	business	NOUN
framr-4075	803	7	,	,	PUNCT
framr-4075	803	8	37	37	NUM
framr-4075	803	9	,	,	PUNCT
framr-4075	803	10	371	371	NUM
framr-4075	803	11	.	.	PUNCT
framr-4075	804	1	arner	arner	NOUN
framr-4075	804	2	,	,	PUNCT
framr-4075	804	3	d.	d.	PROPN
framr-4075	804	4	w.	w.	PROPN
framr-4075	804	5	,	,	PUNCT
framr-4075	804	6	barberis	barberis	PROPN
framr-4075	804	7	,	,	PUNCT
framr-4075	804	8	j.	j.	PROPN
framr-4075	804	9	,	,	PUNCT
framr-4075	804	10	&	&	CCONJ
framr-4075	804	11	buckley	buckley	PROPN
framr-4075	804	12	,	,	PUNCT
framr-4075	804	13	r.	r.	PROPN
framr-4075	804	14	p.	p.	PROPN
framr-4075	804	15	(	(	PUNCT
framr-4075	804	16	2015	2015	NUM
framr-4075	804	17	)	)	PUNCT
framr-4075	804	18	.	.	PUNCT
framr-4075	805	1	the	the	DET
framr-4075	805	2	evolution	evolution	NOUN
framr-4075	805	3	of	of	ADP
framr-4075	805	4	fintech	fintech	NOUN
framr-4075	805	5	:	:	PUNCT
framr-4075	805	6	a	a	DET
framr-4075	805	7	new	new	ADJ
framr-4075	805	8	post	post	ADJ
framr-4075	805	9	-	-	ADJ
framr-4075	805	10	crisis	crisis	NOUN
framr-4075	805	11	paradigm	paradigm	NOUN
framr-4075	805	12	.	.	PUNCT
framr-4075	806	1	georgetown	georgetown	PROPN
framr-4075	806	2	journal	journal	PROPN
framr-4075	806	3	of	of	ADP
framr-4075	806	4	international	international	ADJ
framr-4075	806	5	law	law	NOUN
framr-4075	806	6	,	,	PUNCT
framr-4075	806	7	47	47	NUM
framr-4075	806	8	,	,	PUNCT
framr-4075	806	9	1271	1271	NUM
framr-4075	806	10	.	.	PUNCT
framr-4075	807	1	barefoot	barefoot	PROPN
framr-4075	807	2	,	,	PUNCT
framr-4075	807	3	j.	j.	PROPN
framr-4075	807	4	a.	a.	PROPN
framr-4075	807	5	(	(	PUNCT
framr-4075	807	6	2020	2020	NUM
framr-4075	807	7	)	)	PUNCT
framr-4075	807	8	.	.	PUNCT
framr-4075	808	1	digital	digital	ADJ
framr-4075	808	2	technology	technology	NOUN
framr-4075	808	3	risks	risk	VERB
framr-4075	808	4	for	for	ADP
framr-4075	808	5	finance	finance	NOUN
framr-4075	808	6	:	:	PUNCT
framr-4075	808	7	dangers	danger	NOUN
framr-4075	808	8	embedded	embed	VERB
framr-4075	808	9	in	in	ADP
framr-4075	808	10	fintech	fintech	NOUN
framr-4075	808	11	and	and	CCONJ
framr-4075	808	12	regtech	regtech	PROPN
framr-4075	808	13	.	.	PUNCT
framr-4075	809	1	m	m	ADJ
framr-4075	809	2	-	-	ADJ
framr-4075	809	3	rcbg	rcbg	ADJ
framr-4075	809	4	associate	associate	NOUN
framr-4075	809	5	working	working	NOUN
framr-4075	809	6	paper	paper	NOUN
framr-4075	809	7	series	series	NOUN
framr-4075	809	8	,	,	PUNCT
framr-4075	809	9	151	151	NUM
framr-4075	809	10	.	.	PUNCT
framr-4075	810	1	barr	barr	PROPN
framr-4075	810	2	,	,	PUNCT
framr-4075	810	3	m.	m.	NOUN
framr-4075	810	4	,	,	PUNCT
framr-4075	810	5	gifford	gifford	NOUN
framr-4075	810	6	,	,	PUNCT
framr-4075	810	7	k.	k.	PROPN
framr-4075	810	8	,	,	PUNCT
framr-4075	810	9	&	&	CCONJ
framr-4075	810	10	klein	klein	PROPN
framr-4075	810	11	,	,	PUNCT
framr-4075	810	12	a.	a.	PROPN
framr-4075	810	13	(	(	PUNCT
framr-4075	810	14	2018	2018	NUM
framr-4075	810	15	)	)	PUNCT
framr-4075	810	16	.	.	PUNCT
framr-4075	811	1	enhancing	enhance	VERB
framr-4075	811	2	anti	anti	ADJ
framr-4075	811	3	-	-	ADJ
framr-4075	811	4	money	money	ADJ
framr-4075	811	5	laundering	laundering	NOUN
framr-4075	811	6	and	and	CCONJ
framr-4075	811	7	financial	financial	ADJ
framr-4075	811	8	access	access	NOUN
framr-4075	811	9	:	:	PUNCT
framr-4075	811	10	can	can	AUX
framr-4075	811	11	new	new	ADJ
framr-4075	811	12	technology	technology	NOUN
framr-4075	811	13	achieve	achieve	VERB
framr-4075	811	14	both	both	PRON
framr-4075	811	15	?	?	PUNCT
framr-4075	812	1	bartlett	bartlett	PROPN
framr-4075	812	2	,	,	PUNCT
framr-4075	812	3	b.	b.	PROPN
framr-4075	812	4	l.	l.	PROPN
framr-4075	812	5	(	(	PUNCT
framr-4075	812	6	2002	2002	NUM
framr-4075	812	7	)	)	PUNCT
framr-4075	812	8	.	.	PUNCT
framr-4075	813	1	the	the	DET
framr-4075	813	2	negative	negative	ADJ
framr-4075	813	3	effects	effect	NOUN
framr-4075	813	4	of	of	ADP
framr-4075	813	5	money	money	NOUN
framr-4075	813	6	laundering	laundering	NOUN
framr-4075	813	7	on	on	ADP
framr-4075	813	8	economic	economic	ADJ
framr-4075	813	9	development	development	NOUN
framr-4075	813	10	.	.	PUNCT
framr-4075	814	1	asian	asian	PROPN
framr-4075	814	2	development	development	PROPN
framr-4075	814	3	bank	bank	PROPN
framr-4075	814	4	regional	regional	ADJ
framr-4075	814	5	technical	technical	ADJ
framr-4075	814	6	assistance	assistance	NOUN
framr-4075	814	7	project	project	NOUN
framr-4075	814	8	no	no	NOUN
framr-4075	814	9	,	,	PUNCT
framr-4075	814	10	5967	5967	NUM
framr-4075	814	11	.	.	PUNCT
framr-4075	815	1	bharadwaj	bharadwaj	PROPN
framr-4075	815	2	,	,	PUNCT
framr-4075	815	3	a.	a.	PROPN
framr-4075	815	4	,	,	PUNCT
framr-4075	815	5	el	el	PROPN
framr-4075	815	6	sawy	sawy	PROPN
framr-4075	815	7	,	,	PUNCT
framr-4075	815	8	o.	o.	PROPN
framr-4075	815	9	a.	a.	PROPN
framr-4075	815	10	,	,	PUNCT
framr-4075	815	11	pavlou	pavlou	PROPN
framr-4075	815	12	,	,	PUNCT
framr-4075	815	13	p.	p.	NOUN
framr-4075	815	14	a.	a.	PROPN
framr-4075	815	15	,	,	PUNCT
framr-4075	815	16	&	&	CCONJ
framr-4075	815	17	venkatraman	venkatraman	PROPN
framr-4075	815	18	,	,	PUNCT
framr-4075	815	19	n.	n.	PROPN
framr-4075	815	20	v.	v.	PROPN
framr-4075	815	21	(	(	PUNCT
framr-4075	815	22	2013	2013	NUM
framr-4075	815	23	)	)	PUNCT
framr-4075	815	24	.	.	PUNCT
framr-4075	816	1	digital	digital	ADJ
framr-4075	816	2	business	business	NOUN
framr-4075	816	3	strategy	strategy	NOUN
framr-4075	816	4	:	:	PUNCT
framr-4075	816	5	toward	toward	ADP
framr-4075	816	6	a	a	DET
framr-4075	816	7	next	next	ADJ
framr-4075	816	8	generation	generation	NOUN
framr-4075	816	9	of	of	ADP
framr-4075	816	10	insights	insight	NOUN
framr-4075	816	11	.	.	PUNCT
framr-4075	817	1	mis	mis	PROPN
framr-4075	817	2	quarterly	quarterly	PROPN
framr-4075	817	3	,	,	PUNCT
framr-4075	817	4	471	471	NUM
framr-4075	817	5	-	-	SYM
framr-4075	817	6	482	482	NUM
framr-4075	817	7	.	.	PUNCT
framr-4075	818	1	https://doi.org/10.25300/misq/2013/37:2.3	https://doi.org/10.25300/misq/2013/37:2.3	PROPN
framr-4075	818	2	bhasin	bhasin	PROPN
framr-4075	818	3	,	,	PUNCT
framr-4075	818	4	m.	m.	NOUN
framr-4075	818	5	l.	l.	PROPN
framr-4075	818	6	(	(	PUNCT
framr-4075	818	7	2016	2016	NUM
framr-4075	818	8	)	)	PUNCT
framr-4075	818	9	.	.	PUNCT
framr-4075	819	1	accounting	accounting	NOUN
framr-4075	819	2	manipulations	manipulation	NOUN
framr-4075	819	3	in	in	ADP
framr-4075	819	4	corporate	corporate	ADJ
framr-4075	819	5	financial	financial	ADJ
framr-4075	819	6	reports	report	NOUN
framr-4075	819	7	:	:	PUNCT
framr-4075	819	8	study	study	NOUN
framr-4075	819	9	of	of	ADP
framr-4075	819	10	an	an	DET
framr-4075	819	11	asian	asian	ADJ
framr-4075	819	12	market	market	NOUN
framr-4075	819	13	.	.	PUNCT
framr-4075	820	1	international	international	ADJ
framr-4075	820	2	journal	journal	PROPN
framr-4075	820	3	of	of	ADP
framr-4075	820	4	management	management	NOUN
framr-4075	820	5	sciences	sciences	PROPN
framr-4075	820	6	and	and	CCONJ
framr-4075	820	7	business	business	NOUN
framr-4075	820	8	research	research	NOUN
framr-4075	820	9	,	,	PUNCT
framr-4075	820	10	l-5(11	l-5(11	PROPN
framr-4075	820	11	)	)	PUNCT
framr-4075	820	12	,	,	PUNCT
framr-4075	820	13	24	24	NUM
framr-4075	820	14	.	.	PUNCT
framr-4075	821	1	bhattacharya	bhattacharya	PROPN
framr-4075	821	2	,	,	PUNCT
framr-4075	821	3	u.	u.	PROPN
framr-4075	821	4	,	,	PUNCT
framr-4075	821	5	&	&	CCONJ
framr-4075	821	6	daouk	daouk	PROPN
framr-4075	821	7	,	,	PUNCT
framr-4075	821	8	h.	h.	PROPN
framr-4075	821	9	(	(	PUNCT
framr-4075	821	10	2002	2002	NUM
framr-4075	821	11	)	)	PUNCT
framr-4075	821	12	.	.	PUNCT
framr-4075	822	1	the	the	DET
framr-4075	822	2	world	world	NOUN
framr-4075	822	3	price	price	NOUN
framr-4075	822	4	of	of	ADP
framr-4075	822	5	insider	insider	NOUN
framr-4075	822	6	trading	trading	NOUN
framr-4075	822	7	.	.	PUNCT
framr-4075	823	1	the	the	DET
framr-4075	823	2	journal	journal	PROPN
framr-4075	823	3	of	of	ADP
framr-4075	823	4	finance	finance	NOUN
framr-4075	823	5	,	,	PUNCT
framr-4075	823	6	57(1	57(1	NUM
framr-4075	823	7	)	)	PUNCT
framr-4075	823	8	,	,	PUNCT
framr-4075	823	9	75	75	NUM
framr-4075	823	10	-	-	SYM
framr-4075	823	11	108	108	NUM
framr-4075	823	12	.	.	PUNCT
framr-4075	824	1	bin	bin	NOUN
framr-4075	824	2	azero	azero	NOUN
framr-4075	824	3	,	,	PUNCT
framr-4075	824	4	m.	m.	NOUN
framr-4075	824	5	a.	a.	PROPN
framr-4075	824	6	,	,	PUNCT
framr-4075	824	7	abdullah	abdullah	PROPN
framr-4075	824	8	,	,	PUNCT
framr-4075	824	9	s.	s.	PROPN
framr-4075	824	10	n.	n.	PROPN
framr-4075	824	11	a.	a.	PROPN
framr-4075	824	12	k.	k.	PROPN
framr-4075	824	13	,	,	PUNCT
framr-4075	824	14	zakaria	zakaria	PROPN
framr-4075	824	15	,	,	PUNCT
framr-4075	824	16	z.	z.	PROPN
framr-4075	824	17	,	,	PUNCT
framr-4075	824	18	haris	haris	PROPN
framr-4075	824	19	,	,	PUNCT
framr-4075	824	20	h.	h.	PROPN
framr-4075	824	21	,	,	PUNCT
framr-4075	824	22	yusoff	yusoff	NOUN
framr-4075	824	23	,	,	PUNCT
framr-4075	824	24	y.	y.	PROPN
framr-4075	824	25	h.	h.	PROPN
framr-4075	824	26	,	,	PUNCT
framr-4075	824	27	&	&	CCONJ
framr-4075	824	28	alam	alam	PROPN
framr-4075	824	29	,	,	PUNCT
framr-4075	824	30	p.	p.	NOUN
framr-4075	824	31	(	(	PUNCT
framr-4075	824	32	2024	2024	NUM
framr-4075	824	33	)	)	PUNCT
framr-4075	824	34	.	.	PUNCT
framr-4075	825	1	the	the	DET
framr-4075	825	2	nexus	nexus	NOUN
framr-4075	825	3	of	of	ADP
framr-4075	825	4	cybercrime	cybercrime	NOUN
framr-4075	825	5	and	and	CCONJ
framr-4075	825	6	money	money	NOUN
framr-4075	825	7	laundering	laundering	NOUN
framr-4075	825	8	:	:	PUNCT
framr-4075	825	9	a	a	DET
framr-4075	825	10	conceptual	conceptual	ADJ
framr-4075	825	11	paper	paper	NOUN
framr-4075	825	12	.	.	PUNCT
framr-4075	826	1	accounting	accounting	NOUN
framr-4075	826	2	and	and	CCONJ
framr-4075	826	3	finance	finance	NOUN
framr-4075	826	4	research	research	NOUN
framr-4075	826	5	,	,	PUNCT
framr-4075	826	6	13(2	13(2	PROPN
framr-4075	826	7	)	)	PUNCT
framr-4075	826	8	,	,	PUNCT
framr-4075	826	9	167	167	NUM
framr-4075	826	10	-	-	SYM
framr-4075	826	11	167	167	NUM
framr-4075	826	12	.	.	PUNCT
framr-4075	827	1	https://doi.org/10.5430/afr.v13n2p167	https://doi.org/10.5430/afr.v13n2p167	PROPN
framr-4075	827	2	boles	boles	PROPN
framr-4075	827	3	,	,	PUNCT
framr-4075	827	4	j.	j.	PROPN
framr-4075	827	5	r.	r.	PROPN
framr-4075	827	6	(	(	PUNCT
framr-4075	827	7	2017	2017	NUM
framr-4075	827	8	)	)	PUNCT
framr-4075	827	9	.	.	PUNCT
framr-4075	828	1	million	million	NUM
framr-4075	828	2	dollar	dollar	NOUN
framr-4075	828	3	ghost	ghost	NOUN
framr-4075	828	4	buildings	building	NOUN
framr-4075	828	5	:	:	PUNCT
framr-4075	828	6	dirty	dirty	ADJ
framr-4075	828	7	money	money	NOUN
framr-4075	828	8	flowing	flow	VERB
framr-4075	828	9	through	through	ADP
framr-4075	828	10	luxury	luxury	NOUN
framr-4075	828	11	real	real	ADJ
framr-4075	828	12	estate	estate	NOUN
framr-4075	828	13	markets	market	NOUN
framr-4075	828	14	.	.	PUNCT
framr-4075	829	1	borgogno	borgogno	NOUN
framr-4075	829	2	,	,	PUNCT
framr-4075	829	3	o.	o.	PROPN
framr-4075	829	4	,	,	PUNCT
framr-4075	829	5	&	&	CCONJ
framr-4075	829	6	colangelo	colangelo	PROPN
framr-4075	829	7	,	,	PUNCT
framr-4075	829	8	g.	g.	PROPN
framr-4075	829	9	(	(	PUNCT
framr-4075	829	10	2020	2020	NUM
framr-4075	829	11	)	)	PUNCT
framr-4075	829	12	.	.	PUNCT
framr-4075	830	1	consumer	consumer	NOUN
framr-4075	830	2	inertia	inertia	NOUN
framr-4075	830	3	and	and	CCONJ
framr-4075	830	4	competition	competition	NOUN
framr-4075	830	5	-	-	PUNCT
framr-4075	830	6	sensitive	sensitive	ADJ
framr-4075	830	7	data	datum	NOUN
framr-4075	830	8	governance	governance	NOUN
framr-4075	830	9	:	:	PUNCT
framr-4075	830	10	the	the	DET
framr-4075	830	11	case	case	NOUN
framr-4075	830	12	of	of	ADP
framr-4075	830	13	open	open	ADJ
framr-4075	830	14	banking	banking	NOUN
framr-4075	830	15	.	.	PUNCT
framr-4075	831	1	journal	journal	PROPN
framr-4075	831	2	of	of	ADP
framr-4075	831	3	european	european	ADJ
framr-4075	831	4	consumer	consumer	NOUN
framr-4075	831	5	and	and	CCONJ
framr-4075	831	6	market	market	NOUN
framr-4075	831	7	law	law	NOUN
framr-4075	831	8	,	,	PUNCT
framr-4075	831	9	9	9	NUM
framr-4075	831	10	,	,	PUNCT
framr-4075	831	11	143	143	NUM
framr-4075	831	12	.	.	PUNCT
framr-4075	832	1	botta	botta	PROPN
framr-4075	832	2	,	,	PUNCT
framr-4075	832	3	a.	a.	NOUN
framr-4075	832	4	,	,	PUNCT
framr-4075	832	5	de	de	X
framr-4075	832	6	donato	donato	PROPN
framr-4075	832	7	,	,	PUNCT
framr-4075	832	8	w.	w.	PROPN
framr-4075	832	9	,	,	PUNCT
framr-4075	832	10	persico	persico	PROPN
framr-4075	832	11	,	,	PUNCT
framr-4075	832	12	v.	v.	ADV
framr-4075	832	13	,	,	PUNCT
framr-4075	832	14	&	&	CCONJ
framr-4075	832	15	pescapé	pescapé	NOUN
framr-4075	832	16	,	,	PUNCT
framr-4075	832	17	a.	a.	NOUN
framr-4075	832	18	(	(	PUNCT
framr-4075	832	19	2016	2016	NUM
framr-4075	832	20	)	)	PUNCT
framr-4075	832	21	.	.	PUNCT
framr-4075	833	1	integration	integration	NOUN
framr-4075	833	2	of	of	ADP
framr-4075	833	3	cloud	cloud	NOUN
framr-4075	833	4	computing	computing	NOUN
framr-4075	833	5	and	and	CCONJ
framr-4075	833	6	internet	internet	NOUN
framr-4075	833	7	of	of	ADP
framr-4075	833	8	things	thing	NOUN
framr-4075	833	9	:	:	PUNCT
framr-4075	833	10	a	a	DET
framr-4075	833	11	survey	survey	NOUN
framr-4075	833	12	.	.	PUNCT
framr-4075	834	1	future	future	ADJ
framr-4075	834	2	generation	generation	NOUN
framr-4075	834	3	computer	computer	NOUN
framr-4075	834	4	systems	system	NOUN
framr-4075	834	5	,	,	PUNCT
framr-4075	834	6	56	56	NUM
framr-4075	834	7	,	,	PUNCT
framr-4075	834	8	684	684	NUM
framr-4075	834	9	-	-	SYM
framr-4075	834	10	700	700	NUM
framr-4075	834	11	.	.	PUNCT
framr-4075	835	1	buckley	buckley	PROPN
framr-4075	835	2	,	,	PUNCT
framr-4075	835	3	r.	r.	PROPN
framr-4075	835	4	p.	p.	PROPN
framr-4075	835	5	,	,	PUNCT
framr-4075	835	6	arner	arner	NOUN
framr-4075	835	7	,	,	PUNCT
framr-4075	835	8	d.	d.	PROPN
framr-4075	835	9	w.	w.	PROPN
framr-4075	835	10	,	,	PUNCT
framr-4075	835	11	zetzsche	zetzsche	PROPN
framr-4075	835	12	,	,	PUNCT
framr-4075	835	13	d.	d.	PROPN
framr-4075	835	14	a.	a.	PROPN
framr-4075	835	15	,	,	PUNCT
framr-4075	835	16	&	&	CCONJ
framr-4075	835	17	selga	selga	PROPN
framr-4075	835	18	,	,	PUNCT
framr-4075	835	19	e.	e.	PROPN
framr-4075	835	20	(	(	PUNCT
framr-4075	835	21	2019	2019	NUM
framr-4075	835	22	)	)	PUNCT
framr-4075	835	23	.	.	PUNCT
framr-4075	836	1	the	the	DET
framr-4075	836	2	dark	dark	ADJ
framr-4075	836	3	side	side	NOUN
framr-4075	836	4	of	of	ADP
framr-4075	836	5	digital	digital	ADJ
framr-4075	836	6	financial	financial	ADJ
framr-4075	836	7	transformation	transformation	NOUN
framr-4075	836	8	:	:	PUNCT
framr-4075	836	9	the	the	DET
framr-4075	836	10	new	new	ADJ
framr-4075	836	11	risks	risk	NOUN
framr-4075	836	12	of	of	ADP
framr-4075	836	13	fintech	fintech	NOUN
framr-4075	836	14	and	and	CCONJ
framr-4075	836	15	the	the	DET
framr-4075	836	16	rise	rise	NOUN
framr-4075	836	17	of	of	ADP
framr-4075	836	18	techrisk	techrisk	NOUN
framr-4075	836	19	.	.	PUNCT
framr-4075	837	1	ssrn	ssrn	PROPN
framr-4075	837	2	electronic	electronic	ADJ
framr-4075	837	3	journal	journal	PROPN
framr-4075	837	4	.	.	PUNCT
framr-4075	838	1	https://doi.org/10.2139/ssrn.3478640	https://doi.org/10.2139/ssrn.3478640	PROPN
framr-4075	838	2	chan	chan	PROPN
framr-4075	838	3	,	,	PUNCT
framr-4075	838	4	r.	r.	PROPN
framr-4075	838	5	,	,	PUNCT
framr-4075	838	6	troshani	troshani	PROPN
framr-4075	838	7	,	,	PUNCT
framr-4075	838	8	i.	i.	PROPN
framr-4075	838	9	,	,	PUNCT
framr-4075	838	10	rao	rao	PROPN
framr-4075	838	11	hill	hill	PROPN
framr-4075	838	12	,	,	PUNCT
framr-4075	838	13	s.	s.	PROPN
framr-4075	838	14	,	,	PUNCT
framr-4075	838	15	&	&	CCONJ
framr-4075	838	16	hoffmann	hoffmann	PROPN
framr-4075	838	17	,	,	PUNCT
framr-4075	838	18	a.	a.	NOUN
framr-4075	838	19	(	(	PUNCT
framr-4075	838	20	2022	2022	NUM
framr-4075	838	21	)	)	PUNCT
framr-4075	838	22	.	.	PUNCT
framr-4075	839	1	towards	towards	ADP
framr-4075	839	2	an	an	DET
framr-4075	839	3	understanding	understanding	NOUN
framr-4075	839	4	of	of	ADP
framr-4075	839	5	consumers	consumer	NOUN
framr-4075	839	6	’	'	PUNCT
framr-4075	839	7	fintech	fintech	NOUN
framr-4075	839	8	adoption	adoption	NOUN
framr-4075	839	9	:	:	PUNCT
framr-4075	839	10	the	the	DET
framr-4075	839	11	case	case	NOUN
framr-4075	839	12	of	of	ADP
framr-4075	839	13	open	open	ADJ
framr-4075	839	14	banking	banking	NOUN
framr-4075	839	15	.	.	PUNCT
framr-4075	840	1	international	international	ADJ
framr-4075	840	2	journal	journal	PROPN
framr-4075	840	3	of	of	ADP
framr-4075	840	4	bank	bank	PROPN
framr-4075	840	5	marketing	marketing	NOUN
framr-4075	840	6	,	,	PUNCT
framr-4075	840	7	40(4	40(4	NUM
framr-4075	840	8	)	)	PUNCT
framr-4075	840	9	,	,	PUNCT
framr-4075	840	10	886	886	NUM
framr-4075	840	11	-	-	SYM
framr-4075	840	12	917	917	NUM
framr-4075	840	13	.	.	PUNCT
framr-4075	840	14	https://doi.org/10.1108/ijbm-08-20210397	https://doi.org/10.1108/ijbm-08-20210397	PROPN
framr-4075	840	15	chang	chang	PROPN
framr-4075	840	16	,	,	PUNCT
framr-4075	840	17	j.	j.	PROPN
framr-4075	840	18	j.	j.	PROPN
framr-4075	840	19	,	,	PUNCT
framr-4075	840	20	lu	lu	PROPN
framr-4075	840	21	,	,	PUNCT
framr-4075	840	22	h.	h.	PROPN
framr-4075	840	23	c.	c.	PROPN
framr-4075	840	24	,	,	PUNCT
framr-4075	840	25	&	&	CCONJ
framr-4075	840	26	chen	chen	PROPN
framr-4075	840	27	,	,	PUNCT
framr-4075	840	28	m.	m.	NOUN
framr-4075	840	29	(	(	PUNCT
framr-4075	840	30	2005	2005	NUM
framr-4075	840	31	)	)	PUNCT
framr-4075	840	32	.	.	PUNCT
framr-4075	841	1	organized	organize	VERB
framr-4075	841	2	crime	crime	NOUN
framr-4075	841	3	or	or	CCONJ
framr-4075	841	4	individual	individual	ADJ
framr-4075	841	5	crime	crime	NOUN
framr-4075	841	6	?	?	PUNCT
framr-4075	842	1	endogenous	endogenous	ADJ
framr-4075	842	2	size	size	NOUN
framr-4075	842	3	of	of	ADP
framr-4075	842	4	a	a	DET
framr-4075	842	5	criminal	criminal	ADJ
framr-4075	842	6	organization	organization	NOUN
framr-4075	842	7	and	and	CCONJ
framr-4075	842	8	the	the	DET
framr-4075	842	9	optimal	optimal	ADJ
framr-4075	842	10	law	law	NOUN
framr-4075	842	11	enforcement	enforcement	NOUN
framr-4075	842	12	.	.	PUNCT
framr-4075	843	1	economic	economic	ADJ
framr-4075	843	2	inquiry	inquiry	NOUN
framr-4075	843	3	,	,	PUNCT
framr-4075	843	4	43(3	43(3	NUM
framr-4075	843	5	)	)	PUNCT
framr-4075	843	6	,	,	PUNCT
framr-4075	843	7	661	661	NUM
framr-4075	843	8	-	-	SYM
framr-4075	843	9	675	675	NUM
framr-4075	843	10	.	.	PUNCT
framr-4075	844	1	https://doi.org/10.1093/ei/cbi046	https://doi.org/10.1093/ei/cbi046	PROPN
framr-4075	844	2	chen	chen	PROPN
framr-4075	844	3	,	,	PUNCT
framr-4075	844	4	l.	l.	PROPN
framr-4075	844	5	d.	d.	PROPN
framr-4075	844	6	(	(	PUNCT
framr-4075	844	7	2008	2008	NUM
framr-4075	844	8	)	)	PUNCT
framr-4075	844	9	.	.	PUNCT
framr-4075	845	1	a	a	DET
framr-4075	845	2	model	model	NOUN
framr-4075	845	3	of	of	ADP
framr-4075	845	4	consumer	consumer	NOUN
framr-4075	845	5	acceptance	acceptance	NOUN
framr-4075	845	6	of	of	ADP
framr-4075	845	7	mobile	mobile	ADJ
framr-4075	845	8	payment	payment	NOUN
framr-4075	845	9	.	.	PUNCT
framr-4075	846	1	international	international	ADJ
framr-4075	846	2	journal	journal	PROPN
framr-4075	846	3	of	of	ADP
framr-4075	846	4	mobile	mobile	ADJ
framr-4075	846	5	communications	communication	NOUN
framr-4075	846	6	,	,	PUNCT
framr-4075	846	7	6(1	6(1	NUM
framr-4075	846	8	)	)	PUNCT
framr-4075	846	9	,	,	PUNCT
framr-4075	846	10	3252	3252	NUM
framr-4075	846	11	.	.	PUNCT
framr-4075	847	1	chen	chen	PROPN
framr-4075	847	2	,	,	PUNCT
framr-4075	847	3	m.	m.	NOUN
framr-4075	847	4	,	,	PUNCT
framr-4075	847	5	mao	mao	PROPN
framr-4075	847	6	,	,	PUNCT
framr-4075	847	7	s.	s.	PROPN
framr-4075	847	8	,	,	PUNCT
framr-4075	847	9	&	&	CCONJ
framr-4075	847	10	liu	liu	PROPN
framr-4075	847	11	,	,	PUNCT
framr-4075	847	12	y.	y.	PROPN
framr-4075	847	13	(	(	PUNCT
framr-4075	847	14	2014	2014	NUM
framr-4075	847	15	)	)	PUNCT
framr-4075	847	16	.	.	PUNCT
framr-4075	848	1	big	big	ADJ
framr-4075	848	2	data	data	PROPN
framr-4075	848	3	:	:	PUNCT
framr-4075	848	4	a	a	DET
framr-4075	848	5	survey	survey	NOUN
framr-4075	848	6	.	.	PUNCT
framr-4075	849	1	mobile	mobile	ADJ
framr-4075	849	2	networks	network	NOUN
framr-4075	849	3	and	and	CCONJ
framr-4075	849	4	applications	application	NOUN
framr-4075	849	5	,	,	PUNCT
framr-4075	849	6	19	19	NUM
framr-4075	849	7	,	,	PUNCT
framr-4075	849	8	171	171	NUM
framr-4075	849	9	-	-	SYM
framr-4075	849	10	209	209	NUM
framr-4075	849	11	.	.	PUNCT
framr-4075	850	1	chen	chen	PROPN
framr-4075	850	2	,	,	PUNCT
framr-4075	850	3	m.	m.	NOUN
framr-4075	850	4	a.	a.	PROPN
framr-4075	850	5	,	,	PUNCT
framr-4075	850	6	wu	wu	PROPN
framr-4075	850	7	,	,	PUNCT
framr-4075	850	8	q.	q.	PROPN
framr-4075	850	9	,	,	PUNCT
framr-4075	850	10	&	&	CCONJ
framr-4075	850	11	yang	yang	PROPN
framr-4075	850	12	,	,	PUNCT
framr-4075	850	13	b.	b.	PROPN
framr-4075	850	14	(	(	PUNCT
framr-4075	850	15	2019	2019	NUM
framr-4075	850	16	)	)	PUNCT
framr-4075	850	17	.	.	PUNCT
framr-4075	851	1	how	how	SCONJ
framr-4075	851	2	valuable	valuable	ADJ
framr-4075	851	3	is	be	AUX
framr-4075	851	4	fintech	fintech	NOUN
framr-4075	851	5	innovation	innovation	NOUN
framr-4075	851	6	?	?	PUNCT
framr-4075	852	1	the	the	DET
framr-4075	852	2	review	review	NOUN
framr-4075	852	3	of	of	ADP
framr-4075	852	4	financial	financial	ADJ
framr-4075	852	5	studies	study	NOUN
framr-4075	852	6	,	,	PUNCT
framr-4075	852	7	32(5	32(5	NOUN
framr-4075	852	8	)	)	PUNCT
framr-4075	852	9	,	,	PUNCT
framr-4075	852	10	2062	2062	NUM
framr-4075	852	11	-	-	SYM
framr-4075	852	12	2106	2106	NUM
framr-4075	852	13	.	.	PUNCT
framr-4075	853	1	chen	chen	PROPN
framr-4075	853	2	,	,	PUNCT
framr-4075	853	3	x.	x.	PROPN
framr-4075	853	4	,	,	PUNCT
framr-4075	853	5	teng	teng	PROPN
framr-4075	853	6	,	,	PUNCT
framr-4075	853	7	l.	l.	PROPN
framr-4075	853	8	,	,	PUNCT
framr-4075	853	9	&	&	CCONJ
framr-4075	853	10	chen	chen	PROPN
framr-4075	853	11	,	,	PUNCT
framr-4075	853	12	w.	w.	PROPN
framr-4075	853	13	(	(	PUNCT
framr-4075	853	14	2022	2022	NUM
framr-4075	853	15	)	)	PUNCT
framr-4075	853	16	.	.	PUNCT
framr-4075	854	1	how	how	SCONJ
framr-4075	854	2	does	do	AUX
framr-4075	854	3	fintech	fintech	NOUN
framr-4075	854	4	affect	affect	VERB
framr-4075	854	5	the	the	DET
framr-4075	854	6	development	development	NOUN
framr-4075	854	7	of	of	ADP
framr-4075	854	8	the	the	DET
framr-4075	854	9	digital	digital	ADJ
framr-4075	854	10	economy	economy	NOUN
framr-4075	854	11	?	?	PUNCT
framr-4075	855	1	evidence	evidence	NOUN
framr-4075	855	2	from	from	ADP
framr-4075	855	3	china	china	PROPN
framr-4075	855	4	.	.	PUNCT
framr-4075	856	1	the	the	DET
framr-4075	856	2	north	north	ADJ
framr-4075	856	3	american	american	PROPN
framr-4075	856	4	journal	journal	PROPN
framr-4075	856	5	of	of	ADP
framr-4075	856	6	economics	economic	NOUN
framr-4075	856	7	and	and	CCONJ
framr-4075	856	8	finance	finance	NOUN
framr-4075	856	9	,	,	PUNCT
framr-4075	856	10	61	61	NUM
framr-4075	856	11	,	,	PUNCT
framr-4075	856	12	101697	101697	NUM
framr-4075	856	13	.	.	PUNCT
framr-4075	857	1	chinnasamy	chinnasamy	PROPN
framr-4075	857	2	,	,	PUNCT
framr-4075	857	3	g.	g.	PROPN
framr-4075	857	4	,	,	PUNCT
framr-4075	857	5	madbouly	madbouly	PROPN
framr-4075	857	6	,	,	PUNCT
framr-4075	857	7	a.	a.	PROPN
framr-4075	857	8	,	,	PUNCT
framr-4075	857	9	&	&	CCONJ
framr-4075	857	10	reyad	reyad	PROPN
framr-4075	857	11	,	,	PUNCT
framr-4075	857	12	s.	s.	PROPN
framr-4075	857	13	(	(	PUNCT
framr-4075	857	14	2021	2021	NUM
framr-4075	857	15	)	)	PUNCT
framr-4075	857	16	.	.	PUNCT
framr-4075	858	1	fintech	fintech	NOUN
framr-4075	858	2	:	:	PUNCT
framr-4075	858	3	a	a	DET
framr-4075	858	4	pathway	pathway	NOUN
framr-4075	858	5	for	for	ADP
framr-4075	858	6	mena	mena	PROPN
framr-4075	858	7	region	region	PROPN
framr-4075	858	8	.	.	PUNCT
framr-4075	859	1	the	the	DET
framr-4075	859	2	fourth	fourth	PROPN
framr-4075	859	3	industrial	industrial	ADJ
framr-4075	859	4	revolution	revolution	NOUN
framr-4075	859	5	:	:	PUNCT
framr-4075	859	6	implementation	implementation	NOUN
framr-4075	859	7	of	of	ADP
framr-4075	859	8	artificial	artificial	ADJ
framr-4075	859	9	intelligence	intelligence	NOUN
framr-4075	859	10	for	for	ADP
framr-4075	859	11	growing	grow	VERB
framr-4075	859	12	business	business	NOUN
framr-4075	859	13	success	success	NOUN
framr-4075	859	14	,	,	PUNCT
framr-4075	859	15	135	135	NUM
framr-4075	859	16	-	-	SYM
framr-4075	859	17	151	151	NUM
framr-4075	859	18	.	.	PUNCT
framr-4075	860	1	https://doi.org/10.1016/j.jeconbus.2018.07.003	https://doi.org/10.1016/j.jeconbus.2018.07.003	NUM
framr-4075	860	2	https://doi.org/10.3390/fi13030062	https://doi.org/10.3390/fi13030062	PRON
framr-4075	860	3	https://doi.org/10.25300/misq/2013/37:2.3	https://doi.org/10.25300/misq/2013/37:2.3	ADJ
framr-4075	860	4	https://doi.org/10.5430/afr.v13n2p167	https://doi.org/10.5430/afr.v13n2p167	PRON
framr-4075	860	5	https://doi.org/10.2139/ssrn.3478640	https://doi.org/10.2139/ssrn.3478640	VERB
framr-4075	860	6	https://doi.org/10.1108/ijbm-08-2021-0397	https://doi.org/10.1108/ijbm-08-2021-0397	NOUN
framr-4075	860	7	https://doi.org/10.1108/ijbm-08-2021-0397	https://doi.org/10.1108/ijbm-08-2021-0397	NOUN
framr-4075	860	8	https://doi.org/10.1093/ei/cbi046	https://doi.org/10.1093/ei/cbi046	PROPN
framr-4075	860	9	financial	financial	ADJ
framr-4075	860	10	risk	risk	NOUN
framr-4075	860	11	and	and	CCONJ
framr-4075	860	12	management	management	NOUN
framr-4075	860	13	reviews	review	NOUN
framr-4075	860	14	,	,	PUNCT
framr-4075	860	15	2025	2025	NUM
framr-4075	860	16	,	,	PUNCT
framr-4075	860	17	11(1	11(1	NUM
framr-4075	860	18	):	):	PUNCT
framr-4075	860	19	1	1	NUM
framr-4075	860	20	-	-	SYM
framr-4075	860	21	36	36	NUM
framr-4075	860	22	30	30	NUM
framr-4075	860	23	©	©	PROPN
framr-4075	860	24	2025	2025	NUM
framr-4075	860	25	conscientia	conscientia	PROPN
framr-4075	860	26	beam	beam	PROPN
framr-4075	860	27	.	.	PUNCT
framr-4075	861	1	all	all	DET
framr-4075	861	2	rights	right	NOUN
framr-4075	861	3	reserved	reserve	VERB
framr-4075	861	4	.	.	PUNCT
framr-4075	862	1	chorvatovičová	chorvatovičová	PROPN
framr-4075	862	2	,	,	PUNCT
framr-4075	862	3	l.	l.	PROPN
framr-4075	862	4	,	,	PUNCT
framr-4075	862	5	&	&	CCONJ
framr-4075	862	6	saxunová	saxunová	PROPN
framr-4075	862	7	,	,	PUNCT
framr-4075	862	8	d.	d.	PROPN
framr-4075	862	9	(	(	PUNCT
framr-4075	862	10	2016	2016	NUM
framr-4075	862	11	)	)	PUNCT
framr-4075	862	12	.	.	PUNCT
framr-4075	863	1	usefulness	usefulness	NOUN
framr-4075	863	2	of	of	ADP
framr-4075	863	3	financial	financial	ADJ
framr-4075	863	4	statements	statement	NOUN
framr-4075	863	5	and	and	CCONJ
framr-4075	863	6	annual	annual	ADJ
framr-4075	863	7	reports	report	NOUN
framr-4075	863	8	in	in	ADP
framr-4075	863	9	the	the	DET
framr-4075	863	10	process	process	NOUN
framr-4075	863	11	of	of	ADP
framr-4075	863	12	accounting	accounting	NOUN
framr-4075	863	13	fraud	fraud	NOUN
framr-4075	863	14	detection	detection	NOUN
framr-4075	863	15	.	.	PUNCT
framr-4075	864	1	paper	paper	NOUN
framr-4075	864	2	presented	present	VERB
framr-4075	864	3	at	at	ADP
framr-4075	864	4	the	the	PRON
framr-4075	864	5	in	in	ADP
framr-4075	864	6	managing	manage	VERB
framr-4075	864	7	global	global	ADJ
framr-4075	864	8	changes	change	NOUN
framr-4075	864	9	:	:	PUNCT
framr-4075	864	10	proceedings	proceeding	NOUN
framr-4075	864	11	of	of	ADP
framr-4075	864	12	the	the	DET
framr-4075	864	13	joint	joint	ADJ
framr-4075	864	14	international	international	ADJ
framr-4075	864	15	conference	conference	NOUN
framr-4075	864	16	.	.	PUNCT
framr-4075	865	1	pp	pp	ADJ
framr-4075	865	2	.	.	PUNCT
framr-4075	866	1	233	233	NUM
framr-4075	866	2	-	-	SYM
framr-4075	866	3	247	247	NUM
framr-4075	866	4	.	.	PUNCT
framr-4075	867	1	christie	christie	PROPN
framr-4075	867	2	,	,	PUNCT
framr-4075	867	3	r.	r.	PROPN
framr-4075	867	4	m.	m.	PROPN
framr-4075	867	5	(	(	PUNCT
framr-4075	867	6	1969	1969	NUM
framr-4075	867	7	)	)	PUNCT
framr-4075	867	8	.	.	PUNCT
framr-4075	868	1	a	a	DET
framr-4075	868	2	study	study	NOUN
framr-4075	868	3	in	in	ADP
framr-4075	868	4	criminal	criminal	ADJ
framr-4075	868	5	theory	theory	NOUN
framr-4075	868	6	with	with	ADP
framr-4075	868	7	special	special	ADJ
framr-4075	868	8	reference	reference	NOUN
framr-4075	868	9	to	to	ADP
framr-4075	868	10	white	white	ADJ
framr-4075	868	11	collar	collar	NOUN
framr-4075	868	12	crime	crime	NOUN
framr-4075	868	13	.	.	PUNCT
framr-4075	869	1	doctoral	doctoral	ADJ
framr-4075	869	2	dissertation	dissertation	NOUN
framr-4075	869	3	,	,	PUNCT
framr-4075	869	4	university	university	NOUN
framr-4075	869	5	of	of	ADP
framr-4075	869	6	london	london	PROPN
framr-4075	869	7	,	,	PUNCT
framr-4075	869	8	bedford	bedford	PROPN
framr-4075	869	9	college	college	PROPN
framr-4075	869	10	(	(	PUNCT
framr-4075	869	11	united	united	ADJ
framr-4075	869	12	kingdom	kingdom	PROPN
framr-4075	869	13	)	)	PUNCT
framr-4075	869	14	.	.	PUNCT
framr-4075	870	1	crockett	crockett	PROPN
framr-4075	870	2	,	,	PUNCT
framr-4075	870	3	a.	a.	NOUN
framr-4075	870	4	(	(	PUNCT
framr-4075	870	5	1996	1996	NUM
framr-4075	870	6	)	)	PUNCT
framr-4075	870	7	.	.	PUNCT
framr-4075	871	1	the	the	DET
framr-4075	871	2	theory	theory	NOUN
framr-4075	871	3	and	and	CCONJ
framr-4075	871	4	practice	practice	NOUN
framr-4075	871	5	of	of	ADP
framr-4075	871	6	financial	financial	ADJ
framr-4075	871	7	stability	stability	NOUN
framr-4075	871	8	.	.	PUNCT
framr-4075	872	1	de	de	X
framr-4075	872	2	economist	economist	NOUN
framr-4075	872	3	,	,	PUNCT
framr-4075	872	4	144(4	144(4	NUM
framr-4075	872	5	)	)	PUNCT
framr-4075	872	6	,	,	PUNCT
framr-4075	872	7	531	531	NUM
framr-4075	872	8	-	-	SYM
framr-4075	872	9	568	568	NUM
framr-4075	872	10	.	.	PUNCT
framr-4075	873	1	d’acunto	d’acunto	PROPN
framr-4075	873	2	,	,	PUNCT
framr-4075	873	3	f.	f.	PROPN
framr-4075	873	4	,	,	PUNCT
framr-4075	873	5	prabhala	prabhala	PROPN
framr-4075	873	6	,	,	PUNCT
framr-4075	873	7	n.	n.	NOUN
framr-4075	873	8	,	,	PUNCT
framr-4075	873	9	&	&	CCONJ
framr-4075	873	10	rossi	rossi	PROPN
framr-4075	873	11	,	,	PUNCT
framr-4075	873	12	a.	a.	PROPN
framr-4075	873	13	g.	g.	PROPN
framr-4075	873	14	(	(	PUNCT
framr-4075	873	15	2019	2019	NUM
framr-4075	873	16	)	)	PUNCT
framr-4075	873	17	.	.	PUNCT
framr-4075	874	1	the	the	DET
framr-4075	874	2	promises	promise	NOUN
framr-4075	874	3	and	and	CCONJ
framr-4075	874	4	pitfalls	pitfall	NOUN
framr-4075	874	5	of	of	ADP
framr-4075	874	6	robo	robo	NOUN
framr-4075	874	7	-	-	PUNCT
framr-4075	874	8	advising	advising	NOUN
framr-4075	874	9	.	.	PUNCT
framr-4075	875	1	the	the	DET
framr-4075	875	2	review	review	NOUN
framr-4075	875	3	of	of	ADP
framr-4075	875	4	financial	financial	ADJ
framr-4075	875	5	studies	study	NOUN
framr-4075	875	6	,	,	PUNCT
framr-4075	875	7	32(5	32(5	NOUN
framr-4075	875	8	)	)	PUNCT
framr-4075	875	9	,	,	PUNCT
framr-4075	875	10	1983	1983	NUM
framr-4075	875	11	-	-	SYM
framr-4075	875	12	2020	2020	NUM
framr-4075	875	13	.	.	PUNCT
framr-4075	876	1	dahlberg	dahlberg	PROPN
framr-4075	876	2	,	,	PUNCT
framr-4075	876	3	t.	t.	PROPN
framr-4075	876	4	,	,	PUNCT
framr-4075	876	5	guo	guo	PROPN
framr-4075	876	6	,	,	PUNCT
framr-4075	876	7	j.	j.	PROPN
framr-4075	876	8	,	,	PUNCT
framr-4075	876	9	&	&	CCONJ
framr-4075	876	10	ondrus	ondrus	PROPN
framr-4075	876	11	,	,	PUNCT
framr-4075	876	12	j.	j.	PROPN
framr-4075	876	13	(	(	PUNCT
framr-4075	876	14	2015	2015	NUM
framr-4075	876	15	)	)	PUNCT
framr-4075	876	16	.	.	PUNCT
framr-4075	877	1	a	a	DET
framr-4075	877	2	critical	critical	ADJ
framr-4075	877	3	review	review	NOUN
framr-4075	877	4	of	of	ADP
framr-4075	877	5	mobile	mobile	ADJ
framr-4075	877	6	payment	payment	NOUN
framr-4075	877	7	research	research	NOUN
framr-4075	877	8	.	.	PUNCT
framr-4075	878	1	electronic	electronic	ADJ
framr-4075	878	2	commerce	commerce	NOUN
framr-4075	878	3	research	research	NOUN
framr-4075	878	4	and	and	CCONJ
framr-4075	878	5	applications	application	NOUN
framr-4075	878	6	,	,	PUNCT
framr-4075	878	7	14(5	14(5	NUM
framr-4075	878	8	)	)	PUNCT
framr-4075	878	9	,	,	PUNCT
framr-4075	878	10	265	265	NUM
framr-4075	878	11	-	-	SYM
framr-4075	878	12	284	284	NUM
framr-4075	878	13	.	.	PUNCT
framr-4075	879	1	https://doi.org/10.1016/j.elerap.2015.07.006	https://doi.org/10.1016/j.elerap.2015.07.006	PROPN
framr-4075	879	2	daofu	daofu	PROPN
framr-4075	879	3	,	,	PUNCT
framr-4075	879	4	c.	c.	PROPN
framr-4075	879	5	h.	h.	PROPN
framr-4075	879	6	e.	e.	PROPN
framr-4075	879	7	n.	n.	PROPN
framr-4075	879	8	(	(	PUNCT
framr-4075	879	9	2020	2020	NUM
framr-4075	879	10	)	)	PUNCT
framr-4075	879	11	.	.	PUNCT
framr-4075	880	1	reflections	reflection	NOUN
framr-4075	880	2	on	on	ADP
framr-4075	880	3	fintech	fintech	NOUN
framr-4075	880	4	and	and	CCONJ
framr-4075	880	5	regulatory	regulatory	ADJ
framr-4075	880	6	measures	measure	NOUN
framr-4075	880	7	in	in	ADP
framr-4075	880	8	china	china	PROPN
framr-4075	880	9	.	.	PUNCT
framr-4075	881	1	china	china	PROPN
framr-4075	881	2	economic	economic	PROPN
framr-4075	881	3	transition=	transition=	NUM
framr-4075	881	4	dangdai	dangdai	PROPN
framr-4075	881	5	zhongguo	zhongguo	PROPN
framr-4075	881	6	jingji	jingji	PROPN
framr-4075	881	7	zhuanxing	zhuanxing	PROPN
framr-4075	881	8	yanjiu	yanjiu	PROPN
framr-4075	881	9	,	,	PUNCT
framr-4075	881	10	3(2	3(2	NUM
framr-4075	881	11	)	)	PUNCT
framr-4075	881	12	,	,	PUNCT
framr-4075	881	13	30	30	NUM
framr-4075	881	14	-	-	SYM
framr-4075	881	15	44	44	NUM
framr-4075	881	16	.	.	PUNCT
framr-4075	882	1	de	de	PROPN
framr-4075	882	2	prado	prado	PROPN
framr-4075	882	3	,	,	PUNCT
framr-4075	882	4	m.	m.	NOUN
framr-4075	882	5	l.	l.	PROPN
framr-4075	882	6	(	(	PUNCT
framr-4075	882	7	2018	2018	NUM
framr-4075	882	8	)	)	PUNCT
framr-4075	882	9	.	.	PUNCT
framr-4075	883	1	advances	advance	NOUN
framr-4075	883	2	in	in	ADP
framr-4075	883	3	financial	financial	ADJ
framr-4075	883	4	machine	machine	NOUN
framr-4075	883	5	learning	learning	NOUN
framr-4075	883	6	.	.	PUNCT
framr-4075	884	1	new	new	PROPN
framr-4075	884	2	jersey	jersey	PROPN
framr-4075	884	3	:	:	PUNCT
framr-4075	884	4	john	john	PROPN
framr-4075	884	5	wiley	wiley	PROPN
framr-4075	884	6	&	&	CCONJ
framr-4075	884	7	sons	son	NOUN
framr-4075	884	8	.	.	PUNCT
framr-4075	885	1	deloitte	deloitte	PROPN
framr-4075	885	2	.	.	PUNCT
framr-4075	886	1	(	(	PUNCT
framr-4075	886	2	2021	2021	NUM
framr-4075	886	3	)	)	PUNCT
framr-4075	886	4	.	.	PUNCT
framr-4075	887	1	global	global	ADJ
framr-4075	887	2	compliance	compliance	NOUN
framr-4075	887	3	spending	spending	NOUN
framr-4075	887	4	in	in	ADP
framr-4075	887	5	financial	financial	ADJ
framr-4075	887	6	services	service	NOUN
framr-4075	887	7	.	.	PUNCT
framr-4075	888	1	retrieved	retrieve	VERB
framr-4075	888	2	from	from	ADP
framr-4075	888	3	https://www.deloitte.com/bd/en.html	https://www.deloitte.com/bd/en.html	NOUN
framr-4075	888	4	despotović	despotović	PROPN
framr-4075	888	5	,	,	PUNCT
framr-4075	888	6	a.	a.	NOUN
framr-4075	888	7	,	,	PUNCT
framr-4075	888	8	parmaković	parmaković	NOUN
framr-4075	888	9	,	,	PUNCT
framr-4075	888	10	a.	a.	PROPN
framr-4075	888	11	,	,	PUNCT
framr-4075	888	12	&	&	CCONJ
framr-4075	888	13	miljković	miljković	PROPN
framr-4075	888	14	,	,	PUNCT
framr-4075	888	15	m.	m.	NOUN
framr-4075	888	16	(	(	PUNCT
framr-4075	888	17	2023	2023	NUM
framr-4075	888	18	)	)	PUNCT
framr-4075	888	19	.	.	PUNCT
framr-4075	889	1	cybercrime	cybercrime	NOUN
framr-4075	889	2	and	and	CCONJ
framr-4075	889	3	cyber	cyber	ADJ
framr-4075	889	4	security	security	NOUN
framr-4075	889	5	in	in	ADP
framr-4075	889	6	fintech	fintech	NOUN
framr-4075	889	7	.	.	PUNCT
framr-4075	890	1	in	in	ADP
framr-4075	890	2	digital	digital	ADJ
framr-4075	890	3	transformation	transformation	NOUN
framr-4075	890	4	of	of	ADP
framr-4075	890	5	the	the	DET
framr-4075	890	6	financial	financial	ADJ
framr-4075	890	7	industry	industry	NOUN
framr-4075	890	8	:	:	PUNCT
framr-4075	890	9	approaches	approach	NOUN
framr-4075	890	10	and	and	CCONJ
framr-4075	890	11	applications	application	NOUN
framr-4075	890	12	.	.	PUNCT
framr-4075	891	1	in	in	ADP
framr-4075	891	2	(	(	PUNCT
framr-4075	891	3	pp	pp	ADJ
framr-4075	891	4	.	.	PUNCT
framr-4075	891	5	255	255	NUM
framr-4075	891	6	-	-	SYM
framr-4075	891	7	272	272	NUM
framr-4075	891	8	)	)	PUNCT
framr-4075	891	9	.	.	PUNCT
framr-4075	892	1	cham	cham	PROPN
framr-4075	892	2	:	:	PUNCT
framr-4075	892	3	springer	springer	NOUN
framr-4075	892	4	international	international	ADJ
framr-4075	892	5	publishing	publishing	NOUN
framr-4075	892	6	.	.	PUNCT
framr-4075	893	1	dhali	dhali	PROPN
framr-4075	893	2	,	,	PUNCT
framr-4075	893	3	m.	m.	NOUN
framr-4075	893	4	,	,	PUNCT
framr-4075	893	5	hassan	hassan	PROPN
framr-4075	893	6	,	,	PUNCT
framr-4075	893	7	s.	s.	PROPN
framr-4075	893	8	,	,	PUNCT
framr-4075	893	9	mehar	mehar	PROPN
framr-4075	893	10	,	,	PUNCT
framr-4075	893	11	s.	s.	PROPN
framr-4075	893	12	m.	m.	PROPN
framr-4075	893	13	,	,	PUNCT
framr-4075	893	14	shahzad	shahzad	PROPN
framr-4075	893	15	,	,	PUNCT
framr-4075	893	16	k.	k.	PROPN
framr-4075	893	17	,	,	PUNCT
framr-4075	893	18	&	&	CCONJ
framr-4075	893	19	zaman	zaman	PROPN
framr-4075	893	20	,	,	PUNCT
framr-4075	893	21	f.	f.	PROPN
framr-4075	893	22	(	(	PUNCT
framr-4075	893	23	2023	2023	NUM
framr-4075	893	24	)	)	PUNCT
framr-4075	893	25	.	.	PUNCT
framr-4075	894	1	cryptocurrency	cryptocurrency	NOUN
framr-4075	894	2	in	in	ADP
framr-4075	894	3	the	the	DET
framr-4075	894	4	darknet	darknet	NOUN
framr-4075	894	5	:	:	PUNCT
framr-4075	894	6	sustainability	sustainability	NOUN
framr-4075	894	7	of	of	ADP
framr-4075	894	8	the	the	DET
framr-4075	894	9	current	current	ADJ
framr-4075	894	10	national	national	ADJ
framr-4075	894	11	legislation	legislation	NOUN
framr-4075	894	12	.	.	PUNCT
framr-4075	895	1	international	international	ADJ
framr-4075	895	2	journal	journal	PROPN
framr-4075	895	3	of	of	ADP
framr-4075	895	4	law	law	NOUN
framr-4075	895	5	and	and	CCONJ
framr-4075	895	6	management	management	NOUN
framr-4075	895	7	,	,	PUNCT
framr-4075	895	8	65(3	65(3	NUM
framr-4075	895	9	)	)	PUNCT
framr-4075	895	10	,	,	PUNCT
framr-4075	895	11	261	261	NUM
framr-4075	895	12	-	-	SYM
framr-4075	895	13	282	282	NUM
framr-4075	895	14	.	.	PUNCT
framr-4075	896	1	https://doi.org/10.1108/ijlma-09-2022-0206	https://doi.org/10.1108/ijlma-09-2022-0206	PROPN
framr-4075	896	2	dorphy	dorphy	NOUN
framr-4075	896	3	,	,	PUNCT
framr-4075	896	4	a.	a.	PROPN
framr-4075	896	5	,	,	PUNCT
framr-4075	896	6	&	&	CCONJ
framr-4075	896	7	hultquist	hultquist	NOUN
framr-4075	896	8	,	,	PUNCT
framr-4075	896	9	h.	h.	PROPN
framr-4075	896	10	(	(	PUNCT
framr-4075	896	11	2018	2018	NUM
framr-4075	896	12	)	)	PUNCT
framr-4075	896	13	.	.	PUNCT
framr-4075	897	1	2017	2017	NUM
framr-4075	897	2	financial	financial	ADJ
framr-4075	897	3	institution	institution	NOUN
framr-4075	897	4	payments	payment	NOUN
framr-4075	897	5	fraud	fraud	NOUN
framr-4075	897	6	mitigation	mitigation	NOUN
framr-4075	897	7	survey	survey	NOUN
framr-4075	897	8	.	.	PUNCT
framr-4075	898	1	federal	federal	PROPN
framr-4075	898	2	reserve	reserve	PROPN
framr-4075	898	3	bank	bank	PROPN
framr-4075	898	4	of	of	ADP
framr-4075	898	5	minneapolis	minneapolis	PROPN
framr-4075	898	6	.	.	PUNCT
framr-4075	899	1	dubey	dubey	PROPN
framr-4075	899	2	,	,	PUNCT
framr-4075	899	3	v.	v.	PROPN
framr-4075	899	4	(	(	PUNCT
framr-4075	899	5	2019	2019	NUM
framr-4075	899	6	)	)	PUNCT
framr-4075	899	7	.	.	PUNCT
framr-4075	900	1	fintech	fintech	NOUN
framr-4075	900	2	innovations	innovation	NOUN
framr-4075	900	3	in	in	ADP
framr-4075	900	4	digital	digital	ADJ
framr-4075	900	5	banking	banking	NOUN
framr-4075	900	6	.	.	PUNCT
framr-4075	901	1	international	international	ADJ
framr-4075	901	2	journal	journal	PROPN
framr-4075	901	3	of	of	ADP
framr-4075	901	4	engineering	engineering	PROPN
framr-4075	901	5	research	research	PROPN
framr-4075	901	6	&	&	CCONJ
framr-4075	901	7	technology	technology	NOUN
framr-4075	901	8	,	,	PUNCT
framr-4075	901	9	8(10	8(10	NUM
framr-4075	901	10	)	)	PUNCT
framr-4075	901	11	,	,	PUNCT
framr-4075	901	12	597601	597601	NUM
framr-4075	901	13	.	.	PUNCT
framr-4075	902	1	https://doi.org/10.17577/ijertv8is100285	https://doi.org/10.17577/ijertv8is100285	PROPN
framr-4075	902	2	duran	duran	PROPN
framr-4075	902	3	,	,	PUNCT
framr-4075	902	4	r.	r.	PROPN
framr-4075	902	5	e.	e.	PROPN
framr-4075	902	6	,	,	PUNCT
framr-4075	902	7	&	&	CCONJ
framr-4075	902	8	griffin	griffin	PROPN
framr-4075	902	9	,	,	PUNCT
framr-4075	902	10	p.	p.	NOUN
framr-4075	902	11	(	(	PUNCT
framr-4075	902	12	2021	2021	NUM
framr-4075	902	13	)	)	PUNCT
framr-4075	902	14	.	.	PUNCT
framr-4075	903	1	smart	smart	ADJ
framr-4075	903	2	contracts	contract	NOUN
framr-4075	903	3	:	:	PUNCT
framr-4075	903	4	will	will	AUX
framr-4075	903	5	fintech	fintech	NOUN
framr-4075	903	6	be	be	AUX
framr-4075	903	7	the	the	DET
framr-4075	903	8	catalyst	catalyst	NOUN
framr-4075	903	9	for	for	ADP
framr-4075	903	10	the	the	DET
framr-4075	903	11	next	next	ADJ
framr-4075	903	12	global	global	ADJ
framr-4075	903	13	financial	financial	ADJ
framr-4075	903	14	crisis	crisis	NOUN
framr-4075	903	15	?	?	PUNCT
framr-4075	904	1	journal	journal	NOUN
framr-4075	904	2	of	of	ADP
framr-4075	904	3	financial	financial	ADJ
framr-4075	904	4	regulation	regulation	NOUN
framr-4075	904	5	and	and	CCONJ
framr-4075	904	6	compliance	compliance	NOUN
framr-4075	904	7	,	,	PUNCT
framr-4075	904	8	29(1	29(1	NUM
framr-4075	904	9	)	)	PUNCT
framr-4075	904	10	,	,	PUNCT
framr-4075	904	11	104	104	NUM
framr-4075	904	12	-	-	SYM
framr-4075	904	13	122	122	NUM
framr-4075	904	14	.	.	PUNCT
framr-4075	905	1	https://doi.org/10.1108/jfrc-09-2018-0122	https://doi.org/10.1108/jfrc-09-2018-0122	PROPN
framr-4075	905	2	enisa	enisa	NOUN
framr-4075	905	3	.	.	PUNCT
framr-4075	906	1	(	(	PUNCT
framr-4075	906	2	2022	2022	NUM
framr-4075	906	3	)	)	PUNCT
framr-4075	906	4	.	.	PUNCT
framr-4075	907	1	threat	threat	NOUN
framr-4075	907	2	landscape	landscape	NOUN
framr-4075	907	3	report	report	NOUN
framr-4075	907	4	2022	2022	NUM
framr-4075	907	5	.	.	PUNCT
framr-4075	908	1	retrieved	retrieve	VERB
framr-4075	908	2	from	from	ADP
framr-4075	908	3	https://european-union.europa.eu/index_en	https://european-union.europa.eu/index_en	PROPN
framr-4075	908	4	faccia	faccia	PROPN
framr-4075	908	5	,	,	PUNCT
framr-4075	908	6	a.	a.	NOUN
framr-4075	908	7	(	(	PUNCT
framr-4075	908	8	2023	2023	NUM
framr-4075	908	9	)	)	PUNCT
framr-4075	908	10	.	.	PUNCT
framr-4075	909	1	national	national	ADJ
framr-4075	909	2	payment	payment	NOUN
framr-4075	909	3	switches	switch	NOUN
framr-4075	909	4	and	and	CCONJ
framr-4075	909	5	the	the	DET
framr-4075	909	6	power	power	NOUN
framr-4075	909	7	of	of	ADP
framr-4075	909	8	cognitive	cognitive	ADJ
framr-4075	909	9	computing	computing	NOUN
framr-4075	909	10	against	against	ADP
framr-4075	909	11	fintech	fintech	NOUN
framr-4075	909	12	fraud	fraud	NOUN
framr-4075	909	13	.	.	PUNCT
framr-4075	910	1	big	big	ADJ
framr-4075	910	2	data	datum	NOUN
framr-4075	910	3	and	and	CCONJ
framr-4075	910	4	cognitive	cognitive	ADJ
framr-4075	910	5	computing	computing	NOUN
framr-4075	910	6	,	,	PUNCT
framr-4075	910	7	7(2	7(2	NUM
framr-4075	910	8	)	)	PUNCT
framr-4075	910	9	,	,	PUNCT
framr-4075	910	10	76	76	NUM
framr-4075	910	11	.	.	PUNCT
framr-4075	911	1	https://doi.org/10.3390/bdcc7020076	https://doi.org/10.3390/bdcc7020076	PROPN
framr-4075	911	2	faccia	faccia	PROPN
framr-4075	911	3	,	,	PUNCT
framr-4075	911	4	a.	a.	NOUN
framr-4075	911	5	,	,	PUNCT
framr-4075	911	6	moşteanu	moşteanu	PROPN
framr-4075	911	7	,	,	PUNCT
framr-4075	911	8	n.	n.	PROPN
framr-4075	911	9	r.	r.	PROPN
framr-4075	911	10	,	,	PUNCT
framr-4075	911	11	cavaliere	cavaliere	PROPN
framr-4075	911	12	,	,	PUNCT
framr-4075	911	13	l.	l.	PROPN
framr-4075	911	14	p.	p.	PROPN
framr-4075	911	15	l.	l.	PROPN
framr-4075	911	16	,	,	PUNCT
framr-4075	911	17	&	&	CCONJ
framr-4075	911	18	mataruna	mataruna	PROPN
framr-4075	911	19	-	-	PUNCT
framr-4075	911	20	dos	do	NOUN
framr-4075	911	21	-	-	PUNCT
framr-4075	911	22	santos	santo	NOUN
framr-4075	911	23	,	,	PUNCT
framr-4075	911	24	l.	l.	PROPN
framr-4075	911	25	j.	j.	PROPN
framr-4075	911	26	(	(	PUNCT
framr-4075	911	27	2020	2020	NUM
framr-4075	911	28	)	)	PUNCT
framr-4075	911	29	.	.	PUNCT
framr-4075	912	1	electronic	electronic	ADJ
framr-4075	912	2	money	money	NOUN
framr-4075	912	3	laundering	laundering	NOUN
framr-4075	912	4	,	,	PUNCT
framr-4075	912	5	the	the	DET
framr-4075	912	6	dark	dark	ADJ
framr-4075	912	7	side	side	NOUN
framr-4075	912	8	of	of	ADP
framr-4075	912	9	fintech	fintech	NOUN
framr-4075	912	10	:	:	PUNCT
framr-4075	912	11	an	an	DET
framr-4075	912	12	overview	overview	NOUN
framr-4075	912	13	of	of	ADP
framr-4075	912	14	the	the	DET
framr-4075	912	15	most	most	ADV
framr-4075	912	16	recent	recent	ADJ
framr-4075	912	17	cases	case	NOUN
framr-4075	912	18	.	.	PUNCT
framr-4075	913	1	paper	paper	NOUN
framr-4075	913	2	presented	present	VERB
framr-4075	913	3	at	at	ADP
framr-4075	913	4	the	the	PRON
framr-4075	913	5	in	in	ADP
framr-4075	913	6	proceedings	proceeding	NOUN
framr-4075	913	7	of	of	ADP
framr-4075	913	8	the	the	DET
framr-4075	913	9	2020	2020	NUM
framr-4075	913	10	12th	12th	ADJ
framr-4075	913	11	international	international	ADJ
framr-4075	913	12	conference	conference	NOUN
framr-4075	913	13	on	on	ADP
framr-4075	913	14	information	information	NOUN
framr-4075	913	15	management	management	NOUN
framr-4075	913	16	and	and	CCONJ
framr-4075	913	17	engineering	engineering	NOUN
framr-4075	913	18	(	(	PUNCT
framr-4075	913	19	pp	pp	ADJ
framr-4075	913	20	.	.	PUNCT
framr-4075	914	1	29	29	NUM
framr-4075	914	2	-	-	SYM
framr-4075	914	3	34	34	NUM
framr-4075	914	4	)	)	PUNCT
framr-4075	914	5	.	.	PUNCT
framr-4075	915	1	fermay	fermay	PROPN
framr-4075	915	2	,	,	PUNCT
framr-4075	915	3	a.	a.	PROPN
framr-4075	915	4	h.	h.	PROPN
framr-4075	915	5	,	,	PUNCT
framr-4075	915	6	santosa	santosa	PROPN
framr-4075	915	7	,	,	PUNCT
framr-4075	915	8	b.	b.	PROPN
framr-4075	915	9	,	,	PUNCT
framr-4075	915	10	kertopati	kertopati	PROPN
framr-4075	915	11	,	,	PUNCT
framr-4075	915	12	a.	a.	PROPN
framr-4075	915	13	y.	y.	PROPN
framr-4075	915	14	,	,	PUNCT
framr-4075	915	15	&	&	CCONJ
framr-4075	915	16	eprianto	eprianto	PROPN
framr-4075	915	17	,	,	PUNCT
framr-4075	915	18	i.	i.	PROPN
framr-4075	915	19	m.	m.	PROPN
framr-4075	915	20	(	(	PUNCT
framr-4075	915	21	2018	2018	NUM
framr-4075	915	22	)	)	PUNCT
framr-4075	915	23	.	.	PUNCT
framr-4075	916	1	the	the	DET
framr-4075	916	2	development	development	NOUN
framr-4075	916	3	of	of	ADP
framr-4075	916	4	collaborative	collaborative	ADJ
framr-4075	916	5	model	model	NOUN
framr-4075	916	6	between	between	ADP
framr-4075	916	7	fintech	fintech	NOUN
framr-4075	916	8	and	and	CCONJ
framr-4075	916	9	bank	bank	NOUN
framr-4075	916	10	in	in	ADP
framr-4075	916	11	indonesia	indonesia	PROPN
framr-4075	916	12	.	.	PUNCT
framr-4075	917	1	paper	paper	PROPN
framr-4075	917	2	presented	present	VERB
framr-4075	917	3	at	at	ADP
framr-4075	917	4	the	the	PRON
framr-4075	917	5	in	in	ADP
framr-4075	917	6	proceedings	proceeding	NOUN
framr-4075	917	7	of	of	ADP
framr-4075	917	8	the	the	DET
framr-4075	917	9	2nd	2nd	ADJ
framr-4075	917	10	international	international	ADJ
framr-4075	917	11	conference	conference	NOUN
framr-4075	917	12	on	on	ADP
framr-4075	917	13	e	e	PROPN
framr-4075	917	14	-	-	NOUN
framr-4075	917	15	commerce	commerce	NOUN
framr-4075	917	16	,	,	PUNCT
framr-4075	917	17	ebusiness	ebusiness	NOUN
framr-4075	917	18	and	and	CCONJ
framr-4075	917	19	e	e	NOUN
framr-4075	917	20	-	-	NOUN
framr-4075	917	21	government	government	NOUN
framr-4075	917	22	.	.	PUNCT
framr-4075	918	1	pp	pp	ADV
framr-4075	918	2	.	.	PUNCT
framr-4075	919	1	1	1	NUM
framr-4075	919	2	-	-	SYM
framr-4075	919	3	6	6	NUM
framr-4075	919	4	.	.	PUNCT
framr-4075	919	5	fernandez	fernandez	PROPN
framr-4075	919	6	-	-	PUNCT
framr-4075	919	7	vazquez	vazquez	PROPN
framr-4075	919	8	,	,	PUNCT
framr-4075	919	9	s.	s.	PROPN
framr-4075	919	10	,	,	PUNCT
framr-4075	919	11	rosillo	rosillo	PROPN
framr-4075	919	12	,	,	PUNCT
framr-4075	919	13	r.	r.	PROPN
framr-4075	919	14	,	,	PUNCT
framr-4075	919	15	de	de	X
framr-4075	919	16	la	la	X
framr-4075	919	17	fuente	fuente	PROPN
framr-4075	919	18	,	,	PUNCT
framr-4075	919	19	d.	d.	PROPN
framr-4075	919	20	,	,	PUNCT
framr-4075	919	21	&	&	CCONJ
framr-4075	919	22	priore	priore	NOUN
framr-4075	919	23	,	,	PUNCT
framr-4075	919	24	p.	p.	NOUN
framr-4075	919	25	(	(	PUNCT
framr-4075	919	26	2019	2019	NUM
framr-4075	919	27	)	)	PUNCT
framr-4075	919	28	.	.	PUNCT
framr-4075	920	1	blockchain	blockchain	PROPN
framr-4075	920	2	in	in	ADP
framr-4075	920	3	fintech	fintech	PROPN
framr-4075	920	4	:	:	PUNCT
framr-4075	920	5	a	a	DET
framr-4075	920	6	mapping	mapping	NOUN
framr-4075	920	7	study	study	NOUN
framr-4075	920	8	.	.	PUNCT
framr-4075	921	1	sustainability	sustainability	NOUN
framr-4075	921	2	,	,	PUNCT
framr-4075	921	3	11(22	11(22	PROPN
framr-4075	921	4	)	)	PUNCT
framr-4075	921	5	,	,	PUNCT
framr-4075	921	6	6366	6366	NUM
framr-4075	921	7	.	.	PUNCT
framr-4075	922	1	https://doi.org/10.3390/su11226366	https://doi.org/10.3390/su11226366	NOUN
framr-4075	922	2	financial	financial	ADJ
framr-4075	922	3	action	action	NOUN
framr-4075	922	4	task	task	NOUN
framr-4075	922	5	force	force	NOUN
framr-4075	922	6	(	(	PUNCT
framr-4075	922	7	fatf	fatf	PROPN
framr-4075	922	8	)	)	PUNCT
framr-4075	922	9	.	.	PUNCT
framr-4075	923	1	(	(	PUNCT
framr-4075	923	2	2023	2023	NUM
framr-4075	923	3	)	)	PUNCT
framr-4075	923	4	.	.	PUNCT
framr-4075	924	1	the	the	DET
framr-4075	924	2	fatf	fatf	NOUN
framr-4075	924	3	recommendations	recommendation	NOUN
framr-4075	924	4	.	.	PUNCT
framr-4075	924	5	retrieved	retrieve	VERB
framr-4075	924	6	from	from	ADP
framr-4075	924	7	https://www.fatf-gafi.org/	https://www.fatf-gafi.org/	ADJ
framr-4075	924	8	financial	financial	ADJ
framr-4075	924	9	crisis	crisis	NOUN
framr-4075	924	10	inquiry	inquiry	NOUN
framr-4075	924	11	commission	commission	NOUN
framr-4075	924	12	.	.	PUNCT
framr-4075	925	1	(	(	PUNCT
framr-4075	925	2	2011	2011	NUM
framr-4075	925	3	)	)	PUNCT
framr-4075	925	4	.	.	PUNCT
framr-4075	926	1	the	the	DET
framr-4075	926	2	financial	financial	ADJ
framr-4075	926	3	crisis	crisis	NOUN
framr-4075	926	4	inquiry	inquiry	NOUN
framr-4075	926	5	report	report	NOUN
framr-4075	926	6	:	:	PUNCT
framr-4075	926	7	the	the	DET
framr-4075	926	8	final	final	ADJ
framr-4075	926	9	report	report	NOUN
framr-4075	926	10	of	of	ADP
framr-4075	926	11	the	the	DET
framr-4075	926	12	national	national	ADJ
framr-4075	926	13	commission	commission	PROPN
framr-4075	926	14	on	on	ADP
framr-4075	926	15	the	the	DET
framr-4075	926	16	causes	cause	NOUN
framr-4075	926	17	of	of	ADP
framr-4075	926	18	the	the	DET
framr-4075	926	19	financial	financial	ADJ
framr-4075	926	20	and	and	CCONJ
framr-4075	926	21	economic	economic	ADJ
framr-4075	926	22	crisis	crisis	NOUN
framr-4075	926	23	in	in	ADP
framr-4075	926	24	the	the	DET
framr-4075	926	25	united	united	PROPN
framr-4075	926	26	states	states	PROPN
framr-4075	926	27	,	,	PUNCT
framr-4075	926	28	including	include	VERB
framr-4075	926	29	dissenting	dissent	VERB
framr-4075	926	30	views	view	NOUN
framr-4075	926	31	:	:	PUNCT
framr-4075	926	32	cosimo	cosimo	PROPN
framr-4075	926	33	,	,	PUNCT
framr-4075	926	34	inc	inc	PROPN
framr-4075	926	35	.	.	PROPN
framr-4075	926	36	fisman	fisman	PROPN
framr-4075	926	37	,	,	PUNCT
framr-4075	926	38	r.	r.	PROPN
framr-4075	926	39	,	,	PUNCT
framr-4075	926	40	&	&	CCONJ
framr-4075	926	41	svensson	svensson	PROPN
framr-4075	926	42	,	,	PUNCT
framr-4075	926	43	j.	j.	PROPN
framr-4075	926	44	(	(	PUNCT
framr-4075	926	45	2007	2007	NUM
framr-4075	926	46	)	)	PUNCT
framr-4075	926	47	.	.	PUNCT
framr-4075	926	48	are	be	AUX
framr-4075	926	49	corruption	corruption	NOUN
framr-4075	926	50	and	and	CCONJ
framr-4075	926	51	taxation	taxation	NOUN
framr-4075	926	52	really	really	ADV
framr-4075	926	53	harmful	harmful	ADJ
framr-4075	926	54	to	to	ADP
framr-4075	926	55	growth	growth	NOUN
framr-4075	926	56	?	?	PUNCT
framr-4075	927	1	firm	firm	ADJ
framr-4075	927	2	level	level	NOUN
framr-4075	927	3	evidence	evidence	NOUN
framr-4075	927	4	.	.	PUNCT
framr-4075	928	1	journal	journal	NOUN
framr-4075	928	2	of	of	ADP
framr-4075	928	3	development	development	NOUN
framr-4075	928	4	economics	economic	NOUN
framr-4075	928	5	,	,	PUNCT
framr-4075	928	6	83(1	83(1	PROPN
framr-4075	928	7	)	)	PUNCT
framr-4075	928	8	,	,	PUNCT
framr-4075	928	9	63	63	NUM
framr-4075	928	10	-	-	SYM
framr-4075	928	11	75	75	NUM
framr-4075	928	12	.	.	PUNCT
framr-4075	929	1	https://doi.org/10.1016/j.jdeveco.2005.09.009	https://doi.org/10.1016/j.jdeveco.2005.09.009	PROPN
framr-4075	929	2	fong	fong	PROPN
framr-4075	929	3	,	,	PUNCT
framr-4075	929	4	d.	d.	PROPN
framr-4075	929	5	,	,	PUNCT
framr-4075	929	6	han	han	PROPN
framr-4075	929	7	,	,	PUNCT
framr-4075	929	8	f.	f.	PROPN
framr-4075	929	9	,	,	PUNCT
framr-4075	929	10	liu	liu	PROPN
framr-4075	929	11	,	,	PUNCT
framr-4075	929	12	l.	l.	PROPN
framr-4075	929	13	,	,	PUNCT
framr-4075	929	14	qu	qu	PROPN
framr-4075	929	15	,	,	PUNCT
framr-4075	929	16	j.	j.	PROPN
framr-4075	929	17	,	,	PUNCT
framr-4075	929	18	&	&	CCONJ
framr-4075	929	19	shek	shek	PROPN
framr-4075	929	20	,	,	PUNCT
framr-4075	929	21	a.	a.	NOUN
framr-4075	929	22	(	(	PUNCT
framr-4075	929	23	2021	2021	NUM
framr-4075	929	24	)	)	PUNCT
framr-4075	929	25	.	.	PUNCT
framr-4075	930	1	seven	seven	NUM
framr-4075	930	2	technologies	technology	NOUN
framr-4075	930	3	shaping	shape	VERB
framr-4075	930	4	the	the	DET
framr-4075	930	5	future	future	NOUN
framr-4075	930	6	of	of	ADP
framr-4075	930	7	fintech	fintech	NOUN
framr-4075	930	8	.	.	PUNCT
framr-4075	931	1	mckinsey	mckinsey	NOUN
framr-4075	931	2	analysis	analysis	NOUN
framr-4075	931	3	november	november	PROPN
framr-4075	931	4	,	,	PUNCT
framr-4075	931	5	9	9	NUM
framr-4075	931	6	.	.	X
framr-4075	931	7	gai	gai	PROPN
framr-4075	931	8	,	,	PUNCT
framr-4075	931	9	k.	k.	PROPN
framr-4075	931	10	,	,	PUNCT
framr-4075	931	11	qiu	qiu	PROPN
framr-4075	931	12	,	,	PUNCT
framr-4075	931	13	m.	m.	NOUN
framr-4075	931	14	,	,	PUNCT
framr-4075	931	15	&	&	CCONJ
framr-4075	931	16	sun	sun	PROPN
framr-4075	931	17	,	,	PUNCT
framr-4075	931	18	x.	x.	NOUN
framr-4075	931	19	(	(	PUNCT
framr-4075	931	20	2018	2018	NUM
framr-4075	931	21	)	)	PUNCT
framr-4075	931	22	.	.	PUNCT
framr-4075	932	1	a	a	DET
framr-4075	932	2	survey	survey	NOUN
framr-4075	932	3	on	on	ADP
framr-4075	932	4	fintech	fintech	NOUN
framr-4075	932	5	.	.	PUNCT
framr-4075	933	1	journal	journal	PROPN
framr-4075	933	2	of	of	ADP
framr-4075	933	3	network	network	NOUN
framr-4075	933	4	and	and	CCONJ
framr-4075	933	5	computer	computer	NOUN
framr-4075	933	6	applications	application	NOUN
framr-4075	933	7	,	,	PUNCT
framr-4075	933	8	103	103	NUM
framr-4075	933	9	,	,	PUNCT
framr-4075	933	10	262	262	NUM
framr-4075	933	11	-	-	SYM
framr-4075	933	12	273	273	NUM
framr-4075	933	13	.	.	PUNCT
framr-4075	934	1	https://doi.org/10.1016/j.jnca.2017.10.011	https://doi.org/10.1016/j.jnca.2017.10.011	VERB
framr-4075	934	2	https://doi.org/10.1016/j.elerap.2015.07.006	https://doi.org/10.1016/j.elerap.2015.07.006	PROPN
framr-4075	934	3	https://www.deloitte.com/bd/en.html	https://www.deloitte.com/bd/en.html	PROPN
framr-4075	934	4	https://doi.org/10.1108/ijlma-09-2022-0206	https://doi.org/10.1108/ijlma-09-2022-0206	NOUN
framr-4075	934	5	https://doi.org/10.17577/ijertv8is100285	https://doi.org/10.17577/ijertv8is100285	PROPN
framr-4075	934	6	https://doi.org/10.1108/jfrc-09-2018-0122	https://doi.org/10.1108/jfrc-09-2018-0122	NOUN
framr-4075	934	7	https://european-union.europa.eu/index_en	https://european-union.europa.eu/index_en	ADP
framr-4075	934	8	https://doi.org/10.3390/bdcc7020076	https://doi.org/10.3390/bdcc7020076	PROPN
framr-4075	934	9	https://doi.org/10.3390/su11226366	https://doi.org/10.3390/su11226366	X
framr-4075	935	1	https://www.fatf-gafi.org/	https://www.fatf-gafi.org/	PRON
framr-4075	935	2	https://doi.org/10.1016/j.jdeveco.2005.09.009	https://doi.org/10.1016/j.jdeveco.2005.09.009	NOUN
framr-4075	935	3	https://doi.org/10.1016/j.jnca.2017.10.011	https://doi.org/10.1016/j.jnca.2017.10.011	ADJ
framr-4075	935	4	financial	financial	ADJ
framr-4075	935	5	risk	risk	NOUN
framr-4075	935	6	and	and	CCONJ
framr-4075	935	7	management	management	NOUN
framr-4075	935	8	reviews	review	NOUN
framr-4075	935	9	,	,	PUNCT
framr-4075	935	10	2025	2025	NUM
framr-4075	935	11	,	,	PUNCT
framr-4075	935	12	11(1	11(1	NUM
framr-4075	935	13	):	):	PUNCT
framr-4075	935	14	1	1	NUM
framr-4075	935	15	-	-	SYM
framr-4075	935	16	36	36	NUM
framr-4075	935	17	31	31	NUM
framr-4075	935	18	©	©	PROPN
framr-4075	935	19	2025	2025	NUM
framr-4075	935	20	conscientia	conscientia	PROPN
framr-4075	935	21	beam	beam	PROPN
framr-4075	935	22	.	.	PUNCT
framr-4075	936	1	all	all	DET
framr-4075	936	2	rights	right	NOUN
framr-4075	936	3	reserved	reserve	VERB
framr-4075	936	4	.	.	PUNCT
framr-4075	937	1	gelb	gelb	PROPN
framr-4075	937	2	,	,	PUNCT
framr-4075	937	3	a.	a.	PROPN
framr-4075	937	4	h.	h.	PROPN
framr-4075	937	5	(	(	PUNCT
framr-4075	937	6	1989	1989	NUM
framr-4075	937	7	)	)	PUNCT
framr-4075	937	8	.	.	PUNCT
framr-4075	938	1	financial	financial	ADJ
framr-4075	938	2	policies	policy	NOUN
framr-4075	938	3	,	,	PUNCT
framr-4075	938	4	growth	growth	NOUN
framr-4075	938	5	and	and	CCONJ
framr-4075	938	6	efficiency	efficiency	NOUN
framr-4075	938	7	policy	policy	NOUN
framr-4075	938	8	planning	planning	NOUN
framr-4075	938	9	and	and	CCONJ
framr-4075	938	10	research	research	NOUN
framr-4075	938	11	.	.	PUNCT
framr-4075	939	1	working	work	VERB
framr-4075	939	2	papers	paper	NOUN
framr-4075	939	3	,	,	PUNCT
framr-4075	939	4	no	no	INTJ
framr-4075	939	5	.	.	NOUN
framr-4075	940	1	202	202	NUM
framr-4075	940	2	,	,	PUNCT
framr-4075	940	3	world	world	PROPN
framr-4075	940	4	bank	bank	PROPN
framr-4075	940	5	.	.	PUNCT
framr-4075	941	1	ghazali	ghazali	PROPN
framr-4075	941	2	,	,	PUNCT
framr-4075	941	3	n.	n.	PROPN
framr-4075	941	4	h.	h.	PROPN
framr-4075	941	5	,	,	PUNCT
framr-4075	941	6	&	&	CCONJ
framr-4075	941	7	yasuoka	yasuoka	PROPN
framr-4075	941	8	,	,	PUNCT
framr-4075	941	9	t.	t.	PROPN
framr-4075	941	10	(	(	PUNCT
framr-4075	941	11	2018	2018	NUM
framr-4075	941	12	)	)	PUNCT
framr-4075	941	13	.	.	PUNCT
framr-4075	942	1	awareness	awareness	NOUN
framr-4075	942	2	and	and	CCONJ
framr-4075	942	3	perception	perception	NOUN
framr-4075	942	4	analysis	analysis	NOUN
framr-4075	942	5	of	of	ADP
framr-4075	942	6	small	small	ADJ
framr-4075	942	7	medium	medium	ADJ
framr-4075	942	8	enterprise	enterprise	NOUN
framr-4075	942	9	and	and	CCONJ
framr-4075	942	10	start	start	NOUN
framr-4075	942	11	-	-	PUNCT
framr-4075	942	12	up	up	NOUN
framr-4075	942	13	towards	towards	ADP
framr-4075	942	14	fintech	fintech	NOUN
framr-4075	942	15	instruments	instrument	NOUN
framr-4075	942	16	:	:	PUNCT
framr-4075	942	17	crowdfunding	crowdfunding	NOUN
framr-4075	942	18	and	and	CCONJ
framr-4075	942	19	peer	peer	NOUN
framr-4075	942	20	-	-	PUNCT
framr-4075	942	21	to	to	ADP
framr-4075	942	22	-	-	PUNCT
framr-4075	942	23	peer	peer	NOUN
framr-4075	942	24	lending	lending	NOUN
framr-4075	942	25	in	in	ADP
framr-4075	942	26	malaysia	malaysia	PROPN
framr-4075	942	27	.	.	PUNCT
framr-4075	943	1	international	international	ADJ
framr-4075	943	2	journal	journal	PROPN
framr-4075	943	3	of	of	ADP
framr-4075	943	4	finance	finance	NOUN
framr-4075	943	5	and	and	CCONJ
framr-4075	943	6	banking	banking	NOUN
framr-4075	943	7	research	research	NOUN
framr-4075	943	8	,	,	PUNCT
framr-4075	943	9	4(1	4(1	NOUN
framr-4075	943	10	)	)	PUNCT
framr-4075	943	11	,	,	PUNCT
framr-4075	943	12	13	13	NUM
framr-4075	943	13	-	-	SYM
framr-4075	943	14	24	24	NUM
framr-4075	943	15	.	.	PUNCT
framr-4075	944	1	https://doi.org/10.11648/j.ijfbr.20180401.12	https://doi.org/10.11648/j.ijfbr.20180401.12	PROPN
framr-4075	944	2	gies	gy	NOUN
framr-4075	944	3	,	,	PUNCT
framr-4075	944	4	s.	s.	PROPN
framr-4075	944	5	v.	v.	PROPN
framr-4075	944	6	,	,	PUNCT
framr-4075	944	7	piquero	piquero	PROPN
framr-4075	944	8	,	,	PUNCT
framr-4075	944	9	n.	n.	PROPN
framr-4075	944	10	l.	l.	PROPN
framr-4075	944	11	,	,	PUNCT
framr-4075	944	12	piquero	piquero	PROPN
framr-4075	944	13	,	,	PUNCT
framr-4075	944	14	a.	a.	PROPN
framr-4075	944	15	r.	r.	PROPN
framr-4075	944	16	,	,	PUNCT
framr-4075	944	17	green	green	PROPN
framr-4075	944	18	,	,	PUNCT
framr-4075	944	19	b.	b.	PROPN
framr-4075	944	20	,	,	PUNCT
framr-4075	944	21	&	&	CCONJ
framr-4075	944	22	bobnis	bobnis	PROPN
framr-4075	944	23	,	,	PUNCT
framr-4075	944	24	a.	a.	NOUN
framr-4075	944	25	(	(	PUNCT
framr-4075	944	26	2021	2021	NUM
framr-4075	944	27	)	)	PUNCT
framr-4075	944	28	.	.	PUNCT
framr-4075	945	1	wild	wild	ADJ
framr-4075	945	2	,	,	PUNCT
framr-4075	945	3	wild	wild	ADJ
framr-4075	945	4	theft	theft	NOUN
framr-4075	945	5	:	:	PUNCT
framr-4075	945	6	identity	identity	NOUN
framr-4075	945	7	crimes	crime	NOUN
framr-4075	945	8	in	in	ADP
framr-4075	945	9	the	the	DET
framr-4075	945	10	digital	digital	ADJ
framr-4075	945	11	frontier	frontier	NOUN
framr-4075	945	12	.	.	PUNCT
framr-4075	946	1	criminal	criminal	PROPN
framr-4075	946	2	justice	justice	PROPN
framr-4075	946	3	policy	policy	PROPN
framr-4075	946	4	review	review	PROPN
framr-4075	946	5	,	,	PUNCT
framr-4075	946	6	32(6	32(6	NUM
framr-4075	946	7	)	)	PUNCT
framr-4075	946	8	,	,	PUNCT
framr-4075	946	9	592	592	NUM
framr-4075	946	10	-	-	SYM
framr-4075	946	11	617	617	NUM
framr-4075	946	12	.	.	PUNCT
framr-4075	947	1	https://doi.org/10.1177/0887403420949650	https://doi.org/10.1177/0887403420949650	PROPN
framr-4075	947	2	giudici	giudici	PROPN
framr-4075	947	3	,	,	PUNCT
framr-4075	947	4	p.	p.	NOUN
framr-4075	947	5	(	(	PUNCT
framr-4075	947	6	2018	2018	NUM
framr-4075	947	7	)	)	PUNCT
framr-4075	947	8	.	.	PUNCT
framr-4075	948	1	fintech	fintech	NOUN
framr-4075	948	2	risk	risk	NOUN
framr-4075	948	3	management	management	NOUN
framr-4075	948	4	:	:	PUNCT
framr-4075	948	5	a	a	DET
framr-4075	948	6	research	research	NOUN
framr-4075	948	7	challenge	challenge	NOUN
framr-4075	948	8	for	for	ADP
framr-4075	948	9	artificial	artificial	ADJ
framr-4075	948	10	intelligence	intelligence	NOUN
framr-4075	948	11	in	in	ADP
framr-4075	948	12	finance	finance	NOUN
framr-4075	948	13	.	.	PUNCT
framr-4075	949	1	frontiers	frontier	NOUN
framr-4075	949	2	in	in	ADP
framr-4075	949	3	artificial	artificial	ADJ
framr-4075	949	4	intelligence	intelligence	NOUN
framr-4075	949	5	,	,	PUNCT
framr-4075	949	6	1	1	NUM
framr-4075	949	7	,	,	PUNCT
framr-4075	949	8	1	1	NUM
framr-4075	949	9	.	.	PUNCT
framr-4075	950	1	https://doi.org/10.3389/frai.2018.00001	https://doi.org/10.3389/frai.2018.00001	PROPN
framr-4075	950	2	global	global	ADJ
framr-4075	950	3	legal	legal	ADJ
framr-4075	950	4	insights	insight	NOUN
framr-4075	950	5	.	.	PUNCT
framr-4075	951	1	(	(	PUNCT
framr-4075	951	2	2023	2023	NUM
framr-4075	951	3	)	)	PUNCT
framr-4075	951	4	.	.	PUNCT
framr-4075	952	1	fintech	fintech	NOUN
framr-4075	952	2	laws	law	NOUN
framr-4075	952	3	and	and	CCONJ
framr-4075	952	4	regulations	regulation	NOUN
framr-4075	952	5	.	.	PUNCT
framr-4075	953	1	retrieved	retrieve	VERB
framr-4075	953	2	from	from	ADP
framr-4075	953	3	https://www.globallegalinsights.com/practiceareas/fintech-laws-and-regulations/	https://www.globallegalinsights.com/practiceareas/fintech-laws-and-regulations/	PROPN
framr-4075	953	4	gomber	gomber	PROPN
framr-4075	953	5	,	,	PUNCT
framr-4075	953	6	p.	p.	PROPN
framr-4075	953	7	,	,	PUNCT
framr-4075	953	8	kauffman	kauffman	PROPN
framr-4075	953	9	,	,	PUNCT
framr-4075	953	10	r.	r.	PROPN
framr-4075	953	11	j.	j.	PROPN
framr-4075	953	12	,	,	PUNCT
framr-4075	953	13	parker	parker	PROPN
framr-4075	953	14	,	,	PUNCT
framr-4075	953	15	c.	c.	PROPN
framr-4075	953	16	,	,	PUNCT
framr-4075	953	17	&	&	CCONJ
framr-4075	953	18	weber	weber	PROPN
framr-4075	953	19	,	,	PUNCT
framr-4075	953	20	b.	b.	PROPN
framr-4075	953	21	w.	w.	PROPN
framr-4075	953	22	(	(	PUNCT
framr-4075	953	23	2018	2018	NUM
framr-4075	953	24	)	)	PUNCT
framr-4075	953	25	.	.	PUNCT
framr-4075	954	1	financial	financial	ADJ
framr-4075	954	2	information	information	NOUN
framr-4075	954	3	systems	system	NOUN
framr-4075	954	4	and	and	CCONJ
framr-4075	954	5	the	the	DET
framr-4075	954	6	fintech	fintech	NOUN
framr-4075	954	7	revolution	revolution	NOUN
framr-4075	954	8	.	.	PUNCT
framr-4075	955	1	taylor	taylor	PROPN
framr-4075	955	2	&	&	CCONJ
framr-4075	955	3	francis	francis	PROPN
framr-4075	955	4	,	,	PUNCT
framr-4075	955	5	35(1	35(1	NUM
framr-4075	955	6	)	)	PUNCT
framr-4075	955	7	,	,	PUNCT
framr-4075	955	8	12	12	NUM
framr-4075	955	9	-	-	SYM
framr-4075	955	10	18	18	NUM
framr-4075	955	11	.	.	PUNCT
framr-4075	956	1	gomber	gomber	PROPN
framr-4075	956	2	,	,	PUNCT
framr-4075	956	3	p.	p.	PROPN
framr-4075	956	4	,	,	PUNCT
framr-4075	956	5	koch	koch	PROPN
framr-4075	956	6	,	,	PUNCT
framr-4075	956	7	j.-a	j.-a	PROPN
framr-4075	956	8	.	.	PUNCT
framr-4075	956	9	,	,	PUNCT
framr-4075	956	10	&	&	CCONJ
framr-4075	956	11	siering	siering	NOUN
framr-4075	956	12	,	,	PUNCT
framr-4075	956	13	m.	m.	NOUN
framr-4075	956	14	(	(	PUNCT
framr-4075	956	15	2017	2017	NUM
framr-4075	956	16	)	)	PUNCT
framr-4075	956	17	.	.	PUNCT
framr-4075	957	1	digital	digital	ADJ
framr-4075	957	2	finance	finance	NOUN
framr-4075	957	3	and	and	CCONJ
framr-4075	957	4	fintech	fintech	NOUN
framr-4075	957	5	:	:	PUNCT
framr-4075	957	6	current	current	ADJ
framr-4075	957	7	research	research	NOUN
framr-4075	957	8	and	and	CCONJ
framr-4075	957	9	future	future	ADJ
framr-4075	957	10	research	research	NOUN
framr-4075	957	11	directions	direction	NOUN
framr-4075	957	12	.	.	PUNCT
framr-4075	958	1	journal	journal	NOUN
framr-4075	958	2	of	of	ADP
framr-4075	958	3	business	business	NOUN
framr-4075	958	4	economics	economic	NOUN
framr-4075	958	5	,	,	PUNCT
framr-4075	958	6	87	87	NUM
framr-4075	958	7	,	,	PUNCT
framr-4075	958	8	537	537	NUM
framr-4075	958	9	-	-	SYM
framr-4075	958	10	580	580	NUM
framr-4075	958	11	.	.	PUNCT
framr-4075	959	1	https://doi.org/10.1007/s11573-017-0852-x	https://doi.org/10.1007/s11573-017-0852-x	PROPN
framr-4075	959	2	goni	goni	PROPN
framr-4075	959	3	,	,	PUNCT
framr-4075	959	4	o.	o.	PROPN
framr-4075	959	5	,	,	PUNCT
framr-4075	959	6	&	&	CCONJ
framr-4075	959	7	alam	alam	PROPN
framr-4075	959	8	,	,	PUNCT
framr-4075	959	9	m.	m.	NOUN
framr-4075	959	10	m.	m.	NOUN
framr-4075	959	11	(	(	PUNCT
framr-4075	959	12	2022	2022	NUM
framr-4075	959	13	)	)	PUNCT
framr-4075	959	14	.	.	PUNCT
framr-4075	960	1	the	the	DET
framr-4075	960	2	basic	basic	ADJ
framr-4075	960	3	concept	concept	NOUN
framr-4075	960	4	of	of	ADP
framr-4075	960	5	cyber	cyber	NOUN
framr-4075	960	6	crime	crime	NOUN
framr-4075	960	7	and	and	CCONJ
framr-4075	960	8	criminal	criminal	NOUN
framr-4075	960	9	.	.	PUNCT
framr-4075	961	1	international	international	ADJ
framr-4075	961	2	journal	journal	PROPN
framr-4075	961	3	of	of	ADP
framr-4075	961	4	electronics	electronic	NOUN
framr-4075	961	5	and	and	CCONJ
framr-4075	961	6	information	information	NOUN
framr-4075	961	7	engineering	engineering	NOUN
framr-4075	961	8	,	,	PUNCT
framr-4075	961	9	14(1	14(1	NUM
framr-4075	961	10	)	)	PUNCT
framr-4075	961	11	,	,	PUNCT
framr-4075	961	12	39	39	NUM
framr-4075	961	13	-	-	SYM
framr-4075	961	14	54	54	NUM
framr-4075	961	15	.	.	PUNCT
framr-4075	962	1	gopalan	gopalan	PROPN
framr-4075	962	2	,	,	PUNCT
framr-4075	962	3	s.	s.	PROPN
framr-4075	962	4	,	,	PUNCT
framr-4075	962	5	jain	jain	PROPN
framr-4075	962	6	,	,	PUNCT
framr-4075	962	7	g.	g.	PROPN
framr-4075	962	8	,	,	PUNCT
framr-4075	962	9	kalani	kalani	PROPN
framr-4075	962	10	,	,	PUNCT
framr-4075	962	11	g.	g.	PROPN
framr-4075	962	12	,	,	PUNCT
framr-4075	962	13	&	&	CCONJ
framr-4075	962	14	tan	tan	PROPN
framr-4075	962	15	,	,	PUNCT
framr-4075	962	16	j.	j.	PROPN
framr-4075	962	17	(	(	PUNCT
framr-4075	962	18	2012	2012	NUM
framr-4075	962	19	)	)	PUNCT
framr-4075	962	20	.	.	PUNCT
framr-4075	963	1	breakthrough	breakthrough	VERB
framr-4075	963	2	it	it	PRON
framr-4075	963	3	banking	banking	NOUN
framr-4075	963	4	.	.	PUNCT
framr-4075	964	1	mckinsey	mckinsey	PROPN
framr-4075	964	2	q	q	PROPN
framr-4075	964	3	,	,	PUNCT
framr-4075	964	4	26	26	NUM
framr-4075	964	5	,	,	PUNCT
framr-4075	964	6	30	30	NUM
framr-4075	964	7	-	-	SYM
framr-4075	964	8	35	35	NUM
framr-4075	964	9	.	.	PUNCT
framr-4075	964	10	gottschalk	gottschalk	NOUN
framr-4075	964	11	,	,	PUNCT
framr-4075	964	12	p.	p.	NOUN
framr-4075	964	13	(	(	PUNCT
framr-4075	964	14	2010	2010	NUM
framr-4075	964	15	)	)	PUNCT
framr-4075	964	16	.	.	PUNCT
framr-4075	965	1	theories	theory	NOUN
framr-4075	965	2	of	of	ADP
framr-4075	965	3	financial	financial	ADJ
framr-4075	965	4	crime	crime	NOUN
framr-4075	965	5	.	.	PUNCT
framr-4075	966	1	journal	journal	NOUN
framr-4075	966	2	of	of	ADP
framr-4075	966	3	financial	financial	ADJ
framr-4075	966	4	crime	crime	NOUN
framr-4075	966	5	,	,	PUNCT
framr-4075	966	6	17(2	17(2	NUM
framr-4075	966	7	)	)	PUNCT
framr-4075	966	8	,	,	PUNCT
framr-4075	966	9	210	210	NUM
framr-4075	966	10	-	-	SYM
framr-4075	966	11	222	222	NUM
framr-4075	966	12	.	.	PUNCT
framr-4075	967	1	https://doi.org/10.1108/13590791011033908	https://doi.org/10.1108/13590791011033908	ADJ
framr-4075	968	1	gov.uk	gov.uk	PROPN
framr-4075	968	2	.	.	PUNCT
framr-4075	969	1	(	(	PUNCT
framr-4075	969	2	2023	2023	NUM
framr-4075	969	3	)	)	PUNCT
framr-4075	969	4	.	.	PUNCT
framr-4075	970	1	a	a	DET
framr-4075	970	2	smarter	smart	ADJ
framr-4075	970	3	regulatory	regulatory	ADJ
framr-4075	970	4	framework	framework	NOUN
framr-4075	970	5	for	for	ADP
framr-4075	970	6	financial	financial	ADJ
framr-4075	970	7	services	service	NOUN
framr-4075	970	8	.	.	PUNCT
framr-4075	971	1	retrieved	retrieve	VERB
framr-4075	971	2	from	from	ADP
framr-4075	971	3	https://www.gov.uk/government/collections/a-smarter-regulatory-framework-for-financial-services	https://www.gov.uk/government/collections/a-smarter-regulatory-framework-for-financial-service	NOUN
framr-4075	971	4	gozman	gozman	NOUN
framr-4075	971	5	,	,	PUNCT
framr-4075	971	6	d.	d.	PROPN
framr-4075	971	7	,	,	PUNCT
framr-4075	971	8	liebenau	liebenau	PROPN
framr-4075	971	9	,	,	PUNCT
framr-4075	971	10	j.	j.	PROPN
framr-4075	971	11	,	,	PUNCT
framr-4075	971	12	&	&	CCONJ
framr-4075	971	13	mangan	mangan	PROPN
framr-4075	971	14	,	,	PUNCT
framr-4075	971	15	j.	j.	PROPN
framr-4075	971	16	(	(	PUNCT
framr-4075	971	17	2018	2018	NUM
framr-4075	971	18	)	)	PUNCT
framr-4075	971	19	.	.	PUNCT
framr-4075	972	1	the	the	DET
framr-4075	972	2	innovation	innovation	NOUN
framr-4075	972	3	mechanisms	mechanism	NOUN
framr-4075	972	4	of	of	ADP
framr-4075	972	5	fintech	fintech	NOUN
framr-4075	972	6	start	start	NOUN
framr-4075	972	7	-	-	PUNCT
framr-4075	972	8	ups	up	NOUN
framr-4075	972	9	:	:	PUNCT
framr-4075	972	10	insights	insight	NOUN
framr-4075	972	11	from	from	ADP
framr-4075	972	12	swift	swift	PROPN
framr-4075	972	13	’s	’s	PART
framr-4075	972	14	innotribe	innotribe	PROPN
framr-4075	972	15	competition	competition	NOUN
framr-4075	972	16	.	.	PUNCT
framr-4075	973	1	journal	journal	NOUN
framr-4075	973	2	of	of	ADP
framr-4075	973	3	management	management	NOUN
framr-4075	973	4	information	information	NOUN
framr-4075	973	5	systems	system	NOUN
framr-4075	973	6	,	,	PUNCT
framr-4075	973	7	35(1	35(1	NUM
framr-4075	973	8	)	)	PUNCT
framr-4075	973	9	,	,	PUNCT
framr-4075	973	10	145	145	NUM
framr-4075	973	11	-	-	SYM
framr-4075	973	12	179	179	NUM
framr-4075	973	13	.	.	PUNCT
framr-4075	974	1	https://doi.org/10.1080/07421222.2018.1440768	https://doi.org/10.1080/07421222.2018.1440768	PROPN
framr-4075	974	2	gubbi	gubbi	PROPN
framr-4075	974	3	,	,	PUNCT
framr-4075	974	4	j.	j.	PROPN
framr-4075	974	5	,	,	PUNCT
framr-4075	974	6	buyya	buyya	PROPN
framr-4075	974	7	,	,	PUNCT
framr-4075	974	8	r.	r.	PROPN
framr-4075	974	9	,	,	PUNCT
framr-4075	974	10	marusic	marusic	NOUN
framr-4075	974	11	,	,	PUNCT
framr-4075	974	12	s.	s.	PROPN
framr-4075	974	13	,	,	PUNCT
framr-4075	974	14	&	&	CCONJ
framr-4075	974	15	palaniswami	palaniswami	PROPN
framr-4075	974	16	,	,	PUNCT
framr-4075	974	17	m.	m.	NOUN
framr-4075	974	18	(	(	PUNCT
framr-4075	974	19	2013	2013	NUM
framr-4075	974	20	)	)	PUNCT
framr-4075	974	21	.	.	PUNCT
framr-4075	975	1	internet	internet	NOUN
framr-4075	975	2	of	of	ADP
framr-4075	975	3	things	thing	NOUN
framr-4075	975	4	(	(	PUNCT
framr-4075	975	5	iot	iot	NOUN
framr-4075	975	6	):	):	PUNCT
framr-4075	975	7	a	a	DET
framr-4075	975	8	vision	vision	NOUN
framr-4075	975	9	,	,	PUNCT
framr-4075	975	10	architectural	architectural	ADJ
framr-4075	975	11	elements	element	NOUN
framr-4075	975	12	,	,	PUNCT
framr-4075	975	13	and	and	CCONJ
framr-4075	975	14	future	future	ADJ
framr-4075	975	15	directions	direction	NOUN
framr-4075	975	16	.	.	PUNCT
framr-4075	976	1	future	future	ADJ
framr-4075	976	2	generation	generation	NOUN
framr-4075	976	3	computer	computer	NOUN
framr-4075	976	4	systems	system	NOUN
framr-4075	976	5	,	,	PUNCT
framr-4075	976	6	29(7	29(7	PROPN
framr-4075	976	7	)	)	PUNCT
framr-4075	976	8	,	,	PUNCT
framr-4075	976	9	1645	1645	NUM
framr-4075	976	10	-	-	SYM
framr-4075	976	11	1660	1660	NUM
framr-4075	976	12	.	.	PUNCT
framr-4075	977	1	https://doi.org/10.1016/j.future.2013.01.010	https://doi.org/10.1016/j.future.2013.01.010	PROPN
framr-4075	977	2	gupta	gupta	PROPN
framr-4075	977	3	,	,	PUNCT
framr-4075	977	4	b.	b.	PROPN
framr-4075	977	5	b.	b.	PROPN
framr-4075	977	6	,	,	PUNCT
framr-4075	977	7	arachchilage	arachchilage	NOUN
framr-4075	977	8	,	,	PUNCT
framr-4075	977	9	n.	n.	NOUN
framr-4075	977	10	a.	a.	NOUN
framr-4075	977	11	g.	g.	PROPN
framr-4075	977	12	,	,	PUNCT
framr-4075	977	13	&	&	CCONJ
framr-4075	977	14	psannis	psannis	NOUN
framr-4075	977	15	,	,	PUNCT
framr-4075	977	16	k.	k.	PROPN
framr-4075	977	17	e.	e.	PROPN
framr-4075	977	18	(	(	PUNCT
framr-4075	977	19	2018	2018	NUM
framr-4075	977	20	)	)	PUNCT
framr-4075	977	21	.	.	PUNCT
framr-4075	978	1	defending	defend	VERB
framr-4075	978	2	against	against	ADP
framr-4075	978	3	phishing	phishe	VERB
framr-4075	978	4	attacks	attack	NOUN
framr-4075	978	5	:	:	PUNCT
framr-4075	978	6	taxonomy	taxonomy	NOUN
framr-4075	978	7	of	of	ADP
framr-4075	978	8	methods	method	NOUN
framr-4075	978	9	,	,	PUNCT
framr-4075	978	10	current	current	ADJ
framr-4075	978	11	issues	issue	NOUN
framr-4075	978	12	and	and	CCONJ
framr-4075	978	13	future	future	ADJ
framr-4075	978	14	directions	direction	NOUN
framr-4075	978	15	.	.	PUNCT
framr-4075	979	1	telecommunication	telecommunication	NOUN
framr-4075	979	2	systems	system	NOUN
framr-4075	979	3	,	,	PUNCT
framr-4075	979	4	67	67	NUM
framr-4075	979	5	,	,	PUNCT
framr-4075	979	6	247	247	NUM
framr-4075	979	7	-	-	SYM
framr-4075	979	8	267	267	NUM
framr-4075	979	9	.	.	PUNCT
framr-4075	980	1	https://doi.org/10.1007/s11235-017-0334-z	https://doi.org/10.1007/s11235-017-0334-z	PROPN
framr-4075	980	2	gupta	gupta	PROPN
framr-4075	980	3	,	,	PUNCT
framr-4075	980	4	s.	s.	PROPN
framr-4075	980	5	,	,	PUNCT
framr-4075	980	6	raj	raj	PROPN
framr-4075	980	7	,	,	PUNCT
framr-4075	980	8	s.	s.	PROPN
framr-4075	980	9	,	,	PUNCT
framr-4075	980	10	gupta	gupta	PROPN
framr-4075	980	11	,	,	PUNCT
framr-4075	980	12	s.	s.	PROPN
framr-4075	980	13	,	,	PUNCT
framr-4075	980	14	&	&	CCONJ
framr-4075	980	15	sharma	sharma	PROPN
framr-4075	980	16	,	,	PUNCT
framr-4075	980	17	a.	a.	NOUN
framr-4075	980	18	(	(	PUNCT
framr-4075	980	19	2023	2023	NUM
framr-4075	980	20	)	)	PUNCT
framr-4075	980	21	.	.	PUNCT
framr-4075	981	1	prioritising	prioritise	VERB
framr-4075	981	2	crowdfunding	crowdfunding	NOUN
framr-4075	981	3	benefits	benefit	NOUN
framr-4075	981	4	:	:	PUNCT
framr-4075	981	5	a	a	DET
framr-4075	981	6	fuzzy	fuzzy	ADJ
framr-4075	981	7	-	-	PUNCT
framr-4075	981	8	ahp	ahp	NOUN
framr-4075	981	9	approach	approach	NOUN
framr-4075	981	10	.	.	PUNCT
framr-4075	982	1	quality	quality	NOUN
framr-4075	982	2	&	&	CCONJ
framr-4075	982	3	quantity	quantity	NOUN
framr-4075	982	4	,	,	PUNCT
framr-4075	982	5	57(1	57(1	NUM
framr-4075	982	6	)	)	PUNCT
framr-4075	982	7	,	,	PUNCT
framr-4075	982	8	379	379	NUM
framr-4075	982	9	-	-	SYM
framr-4075	982	10	403	403	NUM
framr-4075	982	11	.	.	PUNCT
framr-4075	983	1	han	han	PROPN
framr-4075	983	2	,	,	PUNCT
framr-4075	983	3	j.	j.	PROPN
framr-4075	983	4	,	,	PUNCT
framr-4075	983	5	huang	huang	PROPN
framr-4075	983	6	,	,	PUNCT
framr-4075	983	7	s.	s.	PROPN
framr-4075	983	8	,	,	PUNCT
framr-4075	983	9	&	&	CCONJ
framr-4075	983	10	zhong	zhong	PROPN
framr-4075	983	11	,	,	PUNCT
framr-4075	983	12	z.	z.	PROPN
framr-4075	983	13	(	(	PUNCT
framr-4075	983	14	2023	2023	NUM
framr-4075	983	15	)	)	PUNCT
framr-4075	983	16	.	.	PUNCT
framr-4075	984	1	trust	trust	NOUN
framr-4075	984	2	in	in	ADP
framr-4075	984	3	defi	defi	PROPN
framr-4075	984	4	:	:	PUNCT
framr-4075	984	5	an	an	DET
framr-4075	984	6	empirical	empirical	ADJ
framr-4075	984	7	study	study	NOUN
framr-4075	984	8	of	of	ADP
framr-4075	984	9	the	the	DET
framr-4075	984	10	decentralized	decentralized	ADJ
framr-4075	984	11	exchange	exchange	NOUN
framr-4075	984	12	.	.	PUNCT
framr-4075	985	1	available	available	ADJ
framr-4075	985	2	at	at	ADP
framr-4075	985	3	ssrn	ssrn	NOUN
framr-4075	985	4	3896461	3896461	NUM
framr-4075	985	5	.	.	PUNCT
framr-4075	986	1	https://doi.org/10.2139/ssrn.3896461	https://doi.org/10.2139/ssrn.3896461	ADJ
framr-4075	986	2	hansen	hansen	PROPN
framr-4075	986	3	,	,	PUNCT
framr-4075	986	4	l.	l.	PROPN
framr-4075	986	5	l.	l.	PROPN
framr-4075	986	6	(	(	PUNCT
framr-4075	986	7	2009	2009	NUM
framr-4075	986	8	)	)	PUNCT
framr-4075	986	9	.	.	PUNCT
framr-4075	987	1	corporate	corporate	ADJ
framr-4075	987	2	financial	financial	ADJ
framr-4075	987	3	crime	crime	NOUN
framr-4075	987	4	:	:	PUNCT
framr-4075	987	5	social	social	ADJ
framr-4075	987	6	diagnosis	diagnosis	NOUN
framr-4075	987	7	and	and	CCONJ
framr-4075	987	8	treatment	treatment	NOUN
framr-4075	987	9	.	.	PUNCT
framr-4075	988	1	journal	journal	PROPN
framr-4075	988	2	of	of	ADP
framr-4075	988	3	financial	financial	ADJ
framr-4075	988	4	crime	crime	NOUN
framr-4075	988	5	,	,	PUNCT
framr-4075	988	6	16(1	16(1	NUM
framr-4075	988	7	)	)	PUNCT
framr-4075	988	8	,	,	PUNCT
framr-4075	988	9	28	28	NUM
framr-4075	988	10	-	-	SYM
framr-4075	988	11	40	40	NUM
framr-4075	988	12	.	.	PUNCT
framr-4075	989	1	hasham	hasham	PROPN
framr-4075	989	2	,	,	PUNCT
framr-4075	989	3	s.	s.	PROPN
framr-4075	989	4	,	,	PUNCT
framr-4075	989	5	joshi	joshi	PROPN
framr-4075	989	6	,	,	PUNCT
framr-4075	989	7	s.	s.	PROPN
framr-4075	989	8	,	,	PUNCT
framr-4075	989	9	&	&	CCONJ
framr-4075	989	10	mikkelsen	mikkelsen	PROPN
framr-4075	989	11	,	,	PUNCT
framr-4075	989	12	d.	d.	PROPN
framr-4075	989	13	(	(	PUNCT
framr-4075	989	14	2019	2019	NUM
framr-4075	989	15	)	)	PUNCT
framr-4075	989	16	.	.	PUNCT
framr-4075	990	1	financial	financial	ADJ
framr-4075	990	2	crime	crime	NOUN
framr-4075	990	3	and	and	CCONJ
framr-4075	990	4	fraud	fraud	NOUN
framr-4075	990	5	in	in	ADP
framr-4075	990	6	the	the	DET
framr-4075	990	7	age	age	NOUN
framr-4075	990	8	of	of	ADP
framr-4075	990	9	cybersecurity	cybersecurity	NOUN
framr-4075	990	10	.	.	PUNCT
framr-4075	991	1	mckinsey	mckinsey	NOUN
framr-4075	991	2	&	&	CCONJ
framr-4075	991	3	company	company	PROPN
framr-4075	991	4	,	,	PUNCT
framr-4075	991	5	2019	2019	NUM
framr-4075	991	6	.	.	PUNCT
framr-4075	992	1	hayashi	hayashi	PROPN
framr-4075	992	2	,	,	PUNCT
framr-4075	992	3	y.	y.	PROPN
framr-4075	992	4	(	(	PUNCT
framr-4075	992	5	2016	2016	NUM
framr-4075	992	6	)	)	PUNCT
framr-4075	992	7	.	.	PUNCT
framr-4075	993	1	cfpb	cfpb	NOUN
framr-4075	993	2	fines	fine	NOUN
framr-4075	993	3	fintech	fintech	NOUN
framr-4075	993	4	firm	firm	NOUN
framr-4075	993	5	dwolla	dwolla	NOUN
framr-4075	993	6	over	over	ADP
framr-4075	993	7	data	data	NOUN
framr-4075	993	8	-	-	PUNCT
framr-4075	993	9	security	security	NOUN
framr-4075	993	10	practices	practice	NOUN
framr-4075	993	11	.	.	PUNCT
framr-4075	994	1	the	the	DET
framr-4075	994	2	wall	wall	PROPN
framr-4075	994	3	street	street	PROPN
framr-4075	994	4	journal	journal	PROPN
framr-4075	994	5	,	,	PUNCT
framr-4075	994	6	4	4	NUM
framr-4075	994	7	.	.	PUNCT
framr-4075	994	8	hochstein	hochstein	ADJ
framr-4075	994	9	,	,	PUNCT
framr-4075	994	10	m.	m.	NOUN
framr-4075	994	11	(	(	PUNCT
framr-4075	994	12	2015	2015	NUM
framr-4075	994	13	)	)	PUNCT
framr-4075	994	14	.	.	PUNCT
framr-4075	995	1	fintech	fintech	NOUN
framr-4075	995	2	(	(	PUNCT
framr-4075	995	3	the	the	DET
framr-4075	995	4	word	word	NOUN
framr-4075	995	5	,	,	PUNCT
framr-4075	995	6	that	that	PRON
framr-4075	995	7	is	is	ADV
framr-4075	995	8	)	)	PUNCT
framr-4075	995	9	evolves	evolves	PROPN
framr-4075	995	10	.	.	PUNCT
framr-4075	996	1	american	american	ADJ
framr-4075	996	2	banker	banker	NOUN
framr-4075	996	3	.	.	PUNCT
framr-4075	997	1	retrieved	retrieve	VERB
framr-4075	997	2	from	from	ADP
framr-4075	997	3	https://www.americanbanker.com/opinion/fintech-the-word-that-is-evolves	https://www.americanbanker.com/opinion/fintech-the-word-that-is-evolve	NOUN
framr-4075	997	4	holland	holland	PROPN
framr-4075	997	5	fintech	fintech	PROPN
framr-4075	997	6	.	.	PUNCT
framr-4075	998	1	(	(	PUNCT
framr-4075	998	2	2015	2015	NUM
framr-4075	998	3	)	)	PUNCT
framr-4075	998	4	.	.	PUNCT
framr-4075	999	1	the	the	DET
framr-4075	999	2	future	future	NOUN
framr-4075	999	3	of	of	ADP
framr-4075	999	4	finance	finance	NOUN
framr-4075	999	5	:	:	PUNCT
framr-4075	999	6	the	the	DET
framr-4075	999	7	socialization	socialization	NOUN
framr-4075	999	8	of	of	ADP
framr-4075	999	9	finance	finance	NOUN
framr-4075	999	10	.	.	PUNCT
framr-4075	1000	1	retrieved	retrieve	VERB
framr-4075	1000	2	from	from	ADP
framr-4075	1000	3	http://hollandfintech.com/the-futureof-finance-the-socialization-of-finance/	http://hollandfintech.com/the-futureof-finance-the-socialization-of-finance/	PROPN
framr-4075	1000	4	hollanders	hollander	NOUN
framr-4075	1000	5	,	,	PUNCT
framr-4075	1000	6	m.	m.	NOUN
framr-4075	1000	7	(	(	PUNCT
framr-4075	1000	8	2020	2020	NUM
framr-4075	1000	9	)	)	PUNCT
framr-4075	1000	10	.	.	PUNCT
framr-4075	1001	1	fintech	fintech	NOUN
framr-4075	1001	2	and	and	CCONJ
framr-4075	1001	3	financial	financial	ADJ
framr-4075	1001	4	inclusion	inclusion	NOUN
framr-4075	1001	5	:	:	PUNCT
framr-4075	1001	6	opportunities	opportunity	NOUN
framr-4075	1001	7	and	and	CCONJ
framr-4075	1001	8	challenges	challenge	NOUN
framr-4075	1001	9	.	.	PUNCT
framr-4075	1002	1	journal	journal	NOUN
framr-4075	1002	2	of	of	ADP
framr-4075	1002	3	payments	payment	NOUN
framr-4075	1002	4	strategy	strategy	NOUN
framr-4075	1002	5	&	&	CCONJ
framr-4075	1002	6	systems	system	NOUN
framr-4075	1002	7	,	,	PUNCT
framr-4075	1002	8	14(4	14(4	NUM
framr-4075	1002	9	)	)	PUNCT
framr-4075	1002	10	,	,	PUNCT
framr-4075	1002	11	315	315	NUM
framr-4075	1002	12	-	-	SYM
framr-4075	1002	13	325	325	NUM
framr-4075	1002	14	.	.	PUNCT
framr-4075	1003	1	https://doi.org/10.69554/sdin1936	https://doi.org/10.69554/sdin1936	NOUN
framr-4075	1003	2	home	home	NOUN
framr-4075	1003	3	of	of	ADP
framr-4075	1003	4	fintech	fintech	NOUN
framr-4075	1003	5	&	&	CCONJ
framr-4075	1003	6	banking	banking	NOUN
framr-4075	1003	7	news	news	PROPN
framr-4075	1003	8	.	.	PUNCT
framr-4075	1004	1	(	(	PUNCT
framr-4075	1004	2	2021	2021	NUM
framr-4075	1004	3	)	)	PUNCT
framr-4075	1004	4	.	.	PUNCT
framr-4075	1005	1	the	the	DET
framr-4075	1005	2	dark	dark	ADJ
framr-4075	1005	3	web	web	NOUN
framr-4075	1005	4	and	and	CCONJ
framr-4075	1005	5	its	its	PRON
framr-4075	1005	6	role	role	NOUN
framr-4075	1005	7	in	in	ADP
framr-4075	1005	8	financial	financial	ADJ
framr-4075	1005	9	crimes	crime	NOUN
framr-4075	1005	10	.	.	PUNCT
framr-4075	1006	1	retrieved	retrieve	VERB
framr-4075	1006	2	from	from	ADP
framr-4075	1006	3	https://fintechmagazine.com/	https://fintechmagazine.com/	PROPN
framr-4075	1006	4	hua	hua	PROPN
framr-4075	1006	5	,	,	PUNCT
framr-4075	1006	6	x.	x.	PROPN
framr-4075	1006	7	,	,	PUNCT
framr-4075	1006	8	huang	huang	PROPN
framr-4075	1006	9	,	,	PUNCT
framr-4075	1006	10	y.	y.	PROPN
framr-4075	1006	11	,	,	PUNCT
framr-4075	1006	12	&	&	CCONJ
framr-4075	1006	13	zheng	zheng	PROPN
framr-4075	1006	14	,	,	PUNCT
framr-4075	1006	15	y.	y.	PROPN
framr-4075	1006	16	(	(	PUNCT
framr-4075	1006	17	2019	2019	NUM
framr-4075	1006	18	)	)	PUNCT
framr-4075	1006	19	.	.	PUNCT
framr-4075	1007	1	current	current	ADJ
framr-4075	1007	2	practices	practice	NOUN
framr-4075	1007	3	,	,	PUNCT
framr-4075	1007	4	new	new	ADJ
framr-4075	1007	5	insights	insight	NOUN
framr-4075	1007	6	,	,	PUNCT
framr-4075	1007	7	and	and	CCONJ
framr-4075	1007	8	emerging	emerge	VERB
framr-4075	1007	9	trends	trend	NOUN
framr-4075	1007	10	of	of	ADP
framr-4075	1007	11	financial	financial	ADJ
framr-4075	1007	12	technologies	technology	NOUN
framr-4075	1007	13	.	.	PUNCT
framr-4075	1008	1	industrial	industrial	ADJ
framr-4075	1008	2	management	management	PROPN
framr-4075	1008	3	&	&	CCONJ
framr-4075	1008	4	data	data	PROPN
framr-4075	1008	5	systems	system	NOUN
framr-4075	1008	6	,	,	PUNCT
framr-4075	1008	7	119(7	119(7	NUM
framr-4075	1008	8	)	)	PUNCT
framr-4075	1008	9	,	,	PUNCT
framr-4075	1008	10	1401	1401	NUM
framr-4075	1008	11	-	-	SYM
framr-4075	1008	12	1410	1410	NUM
framr-4075	1008	13	.	.	PUNCT
framr-4075	1009	1	https://doi.org/10.1108/imds-08-2019-0431	https://doi.org/10.1108/imds-08-2019-0431	PROPN
framr-4075	1009	2	https://doi.org/10.11648/j.ijfbr.20180401.12	https://doi.org/10.11648/j.ijfbr.20180401.12	NOUN
framr-4075	1009	3	https://doi.org/10.1177/0887403420949650	https://doi.org/10.1177/0887403420949650	X
framr-4075	1010	1	https://doi.org/10.3389/frai.2018.00001	https://doi.org/10.3389/frai.2018.00001	PROPN
framr-4075	1010	2	https://www.globallegalinsights.com/practice-areas/fintech-laws-and-regulations/	https://www.globallegalinsights.com/practice-areas/fintech-laws-and-regulations/	PROPN
framr-4075	1010	3	https://www.globallegalinsights.com/practice-areas/fintech-laws-and-regulations/	https://www.globallegalinsights.com/practice-areas/fintech-laws-and-regulations/	PROPN
framr-4075	1010	4	https://doi.org/10.1007/s11573-017-0852-x	https://doi.org/10.1007/s11573-017-0852-x	NOUN
framr-4075	1010	5	https://doi.org/10.1108/13590791011033908	https://doi.org/10.1108/13590791011033908	ADJ
framr-4075	1010	6	https://www.gov.uk/government/collections/a-smarter-regulatory-framework-for-financial-services	https://www.gov.uk/government/collections/a-smarter-regulatory-framework-for-financial-service	NOUN
framr-4075	1010	7	https://doi.org/10.1080/07421222.2018.1440768	https://doi.org/10.1080/07421222.2018.1440768	PROPN
framr-4075	1011	1	https://doi.org/10.1016/j.future.2013.01.010	https://doi.org/10.1016/j.future.2013.01.010	PROPN
framr-4075	1011	2	https://doi.org/10.1007/s11235-017-0334-z	https://doi.org/10.1007/s11235-017-0334-z	PROPN
framr-4075	1011	3	https://doi.org/10.2139/ssrn.3896461	https://doi.org/10.2139/ssrn.3896461	ADV
framr-4075	1011	4	https://www.americanbanker.com/opinion/fintech-the-word-that-is-evolves	https://www.americanbanker.com/opinion/fintech-the-word-that-is-evolve	NOUN
framr-4075	1011	5	http://hollandfintech.com/the-future-of-finance-the-socialization-of-finance/	http://hollandfintech.com/the-future-of-finance-the-socialization-of-finance/	AUX
framr-4075	1011	6	http://hollandfintech.com/the-future-of-finance-the-socialization-of-finance/	http://hollandfintech.com/the-future-of-finance-the-socialization-of-finance/	PROPN
framr-4075	1011	7	https://doi.org/10.69554/sdin1936	https://doi.org/10.69554/sdin1936	NOUN
framr-4075	1011	8	https://fintechmagazine.com/	https://fintechmagazine.com/	ADJ
framr-4075	1011	9	https://doi.org/10.1108/imds-08-2019-0431	https://doi.org/10.1108/imds-08-2019-0431	ADJ
framr-4075	1011	10	financial	financial	ADJ
framr-4075	1011	11	risk	risk	NOUN
framr-4075	1011	12	and	and	CCONJ
framr-4075	1011	13	management	management	NOUN
framr-4075	1011	14	reviews	review	NOUN
framr-4075	1011	15	,	,	PUNCT
framr-4075	1011	16	2025	2025	NUM
framr-4075	1011	17	,	,	PUNCT
framr-4075	1011	18	11(1	11(1	NUM
framr-4075	1011	19	):	):	PUNCT
framr-4075	1011	20	1	1	NUM
framr-4075	1011	21	-	-	SYM
framr-4075	1011	22	36	36	NUM
framr-4075	1011	23	32	32	NUM
framr-4075	1011	24	©	©	PROPN
framr-4075	1011	25	2025	2025	NUM
framr-4075	1011	26	conscientia	conscientia	PROPN
framr-4075	1011	27	beam	beam	PROPN
framr-4075	1011	28	.	.	PUNCT
framr-4075	1012	1	all	all	DET
framr-4075	1012	2	rights	right	NOUN
framr-4075	1012	3	reserved	reserve	VERB
framr-4075	1012	4	.	.	PUNCT
framr-4075	1013	1	ibm	ibm	PROPN
framr-4075	1013	2	.	.	PUNCT
framr-4075	1013	3	(	(	PUNCT
framr-4075	1013	4	2021	2021	NUM
framr-4075	1013	5	)	)	PUNCT
framr-4075	1013	6	.	.	PUNCT
framr-4075	1014	1	cost	cost	NOUN
framr-4075	1014	2	of	of	ADP
framr-4075	1014	3	a	a	DET
framr-4075	1014	4	data	data	NOUN
framr-4075	1014	5	breach	breach	NOUN
framr-4075	1014	6	report	report	NOUN
framr-4075	1014	7	.	.	PUNCT
framr-4075	1015	1	retrieved	retrieve	VERB
framr-4075	1015	2	from	from	ADP
framr-4075	1015	3	https://www.ibm.com/downloads/cas/jdalzgkj	https://www.ibm.com/downloads/cas/jdalzgkj	NOUN
framr-4075	1015	4	int-comp.org	int-comp.org	VERB
framr-4075	1015	5	.	.	PUNCT
framr-4075	1016	1	(	(	PUNCT
framr-4075	1016	2	2023	2023	NUM
framr-4075	1016	3	)	)	PUNCT
framr-4075	1016	4	.	.	PUNCT
framr-4075	1017	1	top	top	ADJ
framr-4075	1017	2	trends	trend	NOUN
framr-4075	1017	3	that	that	PRON
framr-4075	1017	4	shaped	shape	VERB
framr-4075	1017	5	the	the	DET
framr-4075	1017	6	global	global	ADJ
framr-4075	1017	7	regulatory	regulatory	ADJ
framr-4075	1017	8	and	and	CCONJ
framr-4075	1017	9	financial	financial	ADJ
framr-4075	1017	10	crime	crime	NOUN
framr-4075	1017	11	compliance	compliance	NOUN
framr-4075	1017	12	landscape	landscape	NOUN
framr-4075	1017	13	in	in	ADP
framr-4075	1017	14	2023	2023	NUM
framr-4075	1017	15	.	.	PUNCT
framr-4075	1017	16	retrieved	retrieve	VERB
framr-4075	1017	17	from	from	ADP
framr-4075	1017	18	https://www.int-comp.org/	https://www.int-comp.org/	PROPN
framr-4075	1017	19	jain	jain	PROPN
framr-4075	1017	20	,	,	PUNCT
framr-4075	1017	21	r.	r.	PROPN
framr-4075	1017	22	,	,	PUNCT
framr-4075	1017	23	prajapati	prajapati	PROPN
framr-4075	1017	24	,	,	PUNCT
framr-4075	1017	25	d.	d.	PROPN
framr-4075	1017	26	,	,	PUNCT
framr-4075	1017	27	&	&	CCONJ
framr-4075	1017	28	dangi	dangi	PROPN
framr-4075	1017	29	,	,	PUNCT
framr-4075	1017	30	a.	a.	NOUN
framr-4075	1017	31	(	(	PUNCT
framr-4075	1017	32	2023	2023	NUM
framr-4075	1017	33	)	)	PUNCT
framr-4075	1017	34	.	.	PUNCT
framr-4075	1018	1	transforming	transform	VERB
framr-4075	1018	2	the	the	DET
framr-4075	1018	3	financial	financial	ADJ
framr-4075	1018	4	sector	sector	NOUN
framr-4075	1018	5	:	:	PUNCT
framr-4075	1018	6	a	a	DET
framr-4075	1018	7	review	review	NOUN
framr-4075	1018	8	of	of	ADP
framr-4075	1018	9	recent	recent	ADJ
framr-4075	1018	10	advancements	advancement	NOUN
framr-4075	1018	11	in	in	ADP
framr-4075	1018	12	fintech	fintech	NOUN
framr-4075	1018	13	.	.	PUNCT
framr-4075	1019	1	available	available	ADJ
framr-4075	1019	2	at	at	ADP
framr-4075	1019	3	ssrn	ssrn	PROPN
framr-4075	1019	4	4380348	4380348	NUM
framr-4075	1019	5	.	.	PUNCT
framr-4075	1020	1	karpoff	karpoff	PROPN
framr-4075	1020	2	,	,	PUNCT
framr-4075	1020	3	j.	j.	PROPN
framr-4075	1020	4	m.	m.	PROPN
framr-4075	1020	5	,	,	PUNCT
framr-4075	1020	6	lee	lee	PROPN
framr-4075	1020	7	,	,	PUNCT
framr-4075	1020	8	d.	d.	PROPN
framr-4075	1020	9	s.	s.	PROPN
framr-4075	1020	10	,	,	PUNCT
framr-4075	1020	11	&	&	CCONJ
framr-4075	1020	12	martin	martin	PROPN
framr-4075	1020	13	,	,	PUNCT
framr-4075	1020	14	g.	g.	PROPN
framr-4075	1020	15	s.	s.	PROPN
framr-4075	1020	16	(	(	PUNCT
framr-4075	1020	17	2008	2008	NUM
framr-4075	1020	18	)	)	PUNCT
framr-4075	1020	19	.	.	PUNCT
framr-4075	1021	1	the	the	DET
framr-4075	1021	2	consequences	consequence	NOUN
framr-4075	1021	3	to	to	ADP
framr-4075	1021	4	managers	manager	NOUN
framr-4075	1021	5	for	for	ADP
framr-4075	1021	6	cooking	cook	VERB
framr-4075	1021	7	the	the	DET
framr-4075	1021	8	books	book	NOUN
framr-4075	1021	9	.	.	PUNCT
framr-4075	1022	1	journal	journal	NOUN
framr-4075	1022	2	of	of	ADP
framr-4075	1022	3	financial	financial	ADJ
framr-4075	1022	4	economics	economic	NOUN
framr-4075	1022	5	,	,	PUNCT
framr-4075	1022	6	88(88	88(88	PROPN
framr-4075	1022	7	)	)	PUNCT
framr-4075	1022	8	,	,	PUNCT
framr-4075	1022	9	193	193	NUM
framr-4075	1022	10	-	-	SYM
framr-4075	1022	11	215	215	NUM
framr-4075	1022	12	.	.	PUNCT
framr-4075	1023	1	koistinen	koistinen	PROPN
framr-4075	1023	2	,	,	PUNCT
framr-4075	1023	3	k.	k.	PROPN
framr-4075	1023	4	(	(	PUNCT
framr-4075	1023	5	2023	2023	NUM
framr-4075	1023	6	)	)	PUNCT
framr-4075	1023	7	.	.	PUNCT
framr-4075	1024	1	automation	automation	NOUN
framr-4075	1024	2	of	of	ADP
framr-4075	1024	3	investment	investment	NOUN
framr-4075	1024	4	advisory	advisory	ADJ
framr-4075	1024	5	services	service	NOUN
framr-4075	1024	6	:	:	PUNCT
framr-4075	1024	7	exploring	explore	VERB
framr-4075	1024	8	the	the	DET
framr-4075	1024	9	landscape	landscape	NOUN
framr-4075	1024	10	of	of	ADP
framr-4075	1024	11	robo	robo	NOUN
framr-4075	1024	12	-	-	PUNCT
framr-4075	1024	13	advisors	advisor	NOUN
framr-4075	1024	14	.	.	PUNCT
framr-4075	1025	1	korejo	korejo	PROPN
framr-4075	1025	2	,	,	PUNCT
framr-4075	1025	3	m.	m.	PROPN
framr-4075	1025	4	s.	s.	PROPN
framr-4075	1025	5	,	,	PUNCT
framr-4075	1025	6	rajamanickam	rajamanickam	PROPN
framr-4075	1025	7	,	,	PUNCT
framr-4075	1025	8	r.	r.	PROPN
framr-4075	1025	9	,	,	PUNCT
framr-4075	1025	10	&	&	CCONJ
framr-4075	1025	11	said	say	VERB
framr-4075	1025	12	,	,	PUNCT
framr-4075	1025	13	m.	m.	PROPN
framr-4075	1025	14	h.	h.	PROPN
framr-4075	1025	15	m.	m.	PROPN
framr-4075	1025	16	(	(	PUNCT
framr-4075	1025	17	2021	2021	NUM
framr-4075	1025	18	)	)	PUNCT
framr-4075	1025	19	.	.	PUNCT
framr-4075	1026	1	the	the	DET
framr-4075	1026	2	concept	concept	NOUN
framr-4075	1026	3	of	of	ADP
framr-4075	1026	4	money	money	NOUN
framr-4075	1026	5	laundering	laundering	NOUN
framr-4075	1026	6	:	:	PUNCT
framr-4075	1026	7	a	a	DET
framr-4075	1026	8	quest	quest	NOUN
framr-4075	1026	9	for	for	ADP
framr-4075	1026	10	legal	legal	ADJ
framr-4075	1026	11	definition	definition	NOUN
framr-4075	1026	12	.	.	PUNCT
framr-4075	1027	1	journal	journal	NOUN
framr-4075	1027	2	of	of	ADP
framr-4075	1027	3	money	money	NOUN
framr-4075	1027	4	laundering	laundering	NOUN
framr-4075	1027	5	control	control	NOUN
framr-4075	1027	6	,	,	PUNCT
framr-4075	1027	7	24(4	24(4	NUM
framr-4075	1027	8	)	)	PUNCT
framr-4075	1027	9	,	,	PUNCT
framr-4075	1027	10	725	725	NUM
framr-4075	1027	11	-	-	SYM
framr-4075	1027	12	736	736	NUM
framr-4075	1027	13	.	.	PUNCT
framr-4075	1028	1	https://doi.org/10.1108/jmlc-05-2020-0045	https://doi.org/10.1108/jmlc-05-2020-0045	ADV
framr-4075	1028	2	koskipää	koskipää	ADJ
framr-4075	1028	3	,	,	PUNCT
framr-4075	1028	4	s.	s.	PROPN
framr-4075	1028	5	(	(	PUNCT
framr-4075	1028	6	2022	2022	NUM
framr-4075	1028	7	)	)	PUNCT
framr-4075	1028	8	.	.	PUNCT
framr-4075	1029	1	software	software	NOUN
framr-4075	1029	2	development	development	NOUN
framr-4075	1029	3	in	in	ADP
framr-4075	1029	4	the	the	DET
framr-4075	1029	5	fintech	fintech	NOUN
framr-4075	1029	6	industry	industry	NOUN
framr-4075	1029	7	:	:	PUNCT
framr-4075	1029	8	a	a	DET
framr-4075	1029	9	literature	literature	NOUN
framr-4075	1029	10	review	review	NOUN
framr-4075	1029	11	.	.	PUNCT
framr-4075	1030	1	kpmg	kpmg	PROPN
framr-4075	1030	2	.	.	PUNCT
framr-4075	1031	1	(	(	PUNCT
framr-4075	1031	2	2015	2015	NUM
framr-4075	1031	3	)	)	PUNCT
framr-4075	1031	4	.	.	PUNCT
framr-4075	1032	1	h2	h2	PROPN
framr-4075	1032	2	ventures	ventures	PROPN
framr-4075	1032	3	kpmg	kpmg	PROPN
framr-4075	1032	4	fintech	fintech	PROPN
framr-4075	1032	5	100	100	NUM
framr-4075	1032	6	:	:	PUNCT
framr-4075	1032	7	announcing	announce	VERB
framr-4075	1032	8	the	the	DET
framr-4075	1032	9	world	world	NOUN
framr-4075	1032	10	’s	’s	PART
framr-4075	1032	11	leading	lead	VERB
framr-4075	1032	12	fintech	fintech	NOUN
framr-4075	1032	13	innovators	innovator	NOUN
framr-4075	1032	14	for	for	ADP
framr-4075	1032	15	2015	2015	NUM
framr-4075	1032	16	.	.	PUNCT
framr-4075	1033	1	retrieved	retrieve	VERB
framr-4075	1033	2	from	from	ADP
framr-4075	1033	3	https://home.kpmg.com/xx/en/home/insights/2015/12/ventures-kpmg-fintech-fs.html	https://home.kpmg.com/xx/en/home/insights/2015/12/ventures-kpmg-fintech-fs.html	PROPN
framr-4075	1033	4	kulkarni	kulkarni	PROPN
framr-4075	1033	5	,	,	PUNCT
framr-4075	1033	6	s.	s.	PROPN
framr-4075	1033	7	(	(	PUNCT
framr-4075	1033	8	2023	2023	NUM
framr-4075	1033	9	)	)	PUNCT
framr-4075	1033	10	.	.	PUNCT
framr-4075	1034	1	machine	machine	NOUN
framr-4075	1034	2	-	-	PUNCT
framr-4075	1034	3	learning	learning	NOUN
framr-4075	1034	4	-	-	PUNCT
framr-4075	1034	5	assisted	assist	VERB
framr-4075	1034	6	recommendation	recommendation	NOUN
framr-4075	1034	7	system	system	NOUN
framr-4075	1034	8	for	for	ADP
framr-4075	1034	9	financial	financial	ADJ
framr-4075	1034	10	organizations	organization	NOUN
framr-4075	1034	11	:	:	PUNCT
framr-4075	1034	12	westcliff	westcliff	PROPN
framr-4075	1034	13	university	university	PROPN
framr-4075	1034	14	.	.	PUNCT
framr-4075	1035	1	https://doi.org/10.4018/979-8-3693-5593-0.ch017	https://doi.org/10.4018/979-8-3693-5593-0.ch017	PROPN
framr-4075	1035	2	.	.	PUNCT
framr-4075	1036	1	kunduru	kunduru	PROPN
framr-4075	1036	2	,	,	PUNCT
framr-4075	1036	3	a.	a.	PROPN
framr-4075	1036	4	r.	r.	PROPN
framr-4075	1036	5	(	(	PUNCT
framr-4075	1036	6	2023	2023	NUM
framr-4075	1036	7	)	)	PUNCT
framr-4075	1036	8	.	.	PUNCT
framr-4075	1037	1	artificial	artificial	ADJ
framr-4075	1037	2	intelligence	intelligence	NOUN
framr-4075	1037	3	advantages	advantage	NOUN
framr-4075	1037	4	in	in	ADP
framr-4075	1037	5	cloud	cloud	NOUN
framr-4075	1037	6	fintech	fintech	NOUN
framr-4075	1037	7	application	application	NOUN
framr-4075	1037	8	security	security	NOUN
framr-4075	1037	9	.	.	PUNCT
framr-4075	1038	1	central	central	ADJ
framr-4075	1038	2	asian	asian	ADJ
framr-4075	1038	3	journal	journal	NOUN
framr-4075	1038	4	of	of	ADP
framr-4075	1038	5	mathematical	mathematical	ADJ
framr-4075	1038	6	theory	theory	NOUN
framr-4075	1038	7	and	and	CCONJ
framr-4075	1038	8	computer	computer	NOUN
framr-4075	1038	9	sciences	science	NOUN
framr-4075	1038	10	,	,	PUNCT
framr-4075	1038	11	4(8	4(8	NUM
framr-4075	1038	12	)	)	PUNCT
framr-4075	1038	13	,	,	PUNCT
framr-4075	1038	14	48	48	NUM
framr-4075	1038	15	-	-	SYM
framr-4075	1038	16	53	53	NUM
framr-4075	1038	17	.	.	PUNCT
framr-4075	1039	1	kurshan	kurshan	PROPN
framr-4075	1039	2	,	,	PUNCT
framr-4075	1039	3	e.	e.	PROPN
framr-4075	1039	4	,	,	PUNCT
framr-4075	1039	5	shen	shen	PROPN
framr-4075	1039	6	,	,	PUNCT
framr-4075	1039	7	h.	h.	PROPN
framr-4075	1039	8	,	,	PUNCT
framr-4075	1039	9	&	&	CCONJ
framr-4075	1039	10	yu	yu	PROPN
framr-4075	1039	11	,	,	PUNCT
framr-4075	1039	12	h.	h.	PROPN
framr-4075	1039	13	(	(	PUNCT
framr-4075	1039	14	2020	2020	NUM
framr-4075	1039	15	)	)	PUNCT
framr-4075	1039	16	.	.	PUNCT
framr-4075	1040	1	financial	financial	PROPN
framr-4075	1040	2	crime	crime	PROPN
framr-4075	1040	3	&	&	CCONJ
framr-4075	1040	4	fraud	fraud	PROPN
framr-4075	1040	5	detection	detection	NOUN
framr-4075	1040	6	using	use	VERB
framr-4075	1040	7	graph	graph	NOUN
framr-4075	1040	8	computing	computing	NOUN
framr-4075	1040	9	:	:	PUNCT
framr-4075	1040	10	application	application	NOUN
framr-4075	1040	11	considerations	consideration	NOUN
framr-4075	1040	12	&	&	CCONJ
framr-4075	1040	13	outlook	outlook	PROPN
framr-4075	1040	14	.	.	PUNCT
framr-4075	1041	1	paper	paper	NOUN
framr-4075	1041	2	presented	present	VERB
framr-4075	1041	3	at	at	ADP
framr-4075	1041	4	the	the	DET
framr-4075	1041	5	in	in	ADP
framr-4075	1041	6	2020	2020	NUM
framr-4075	1041	7	second	second	ADJ
framr-4075	1041	8	international	international	ADJ
framr-4075	1041	9	conference	conference	NOUN
framr-4075	1041	10	on	on	ADP
framr-4075	1041	11	transdisciplinary	transdisciplinary	ADJ
framr-4075	1041	12	ai	ai	NOUN
framr-4075	1041	13	(	(	PUNCT
framr-4075	1041	14	transai	transai	PROPN
framr-4075	1041	15	)	)	PUNCT
framr-4075	1041	16	(	(	PUNCT
framr-4075	1041	17	pp	pp	X
framr-4075	1041	18	.	.	PUNCT
framr-4075	1042	1	125	125	NUM
framr-4075	1042	2	-	-	SYM
framr-4075	1042	3	130	130	NUM
framr-4075	1042	4	)	)	PUNCT
framr-4075	1042	5	.	.	PUNCT
framr-4075	1043	1	ieee	ieee	PROPN
framr-4075	1043	2	.	.	PUNCT
framr-4075	1044	1	lăzăroiu	lăzăroiu	PROPN
framr-4075	1044	2	,	,	PUNCT
framr-4075	1044	3	g.	g.	PROPN
framr-4075	1044	4	,	,	PUNCT
framr-4075	1044	5	bogdan	bogdan	PROPN
framr-4075	1044	6	,	,	PUNCT
framr-4075	1044	7	m.	m.	NOUN
framr-4075	1044	8	,	,	PUNCT
framr-4075	1044	9	geamănu	geamănu	NOUN
framr-4075	1044	10	,	,	PUNCT
framr-4075	1044	11	m.	m.	NOUN
framr-4075	1044	12	,	,	PUNCT
framr-4075	1044	13	hurloiu	hurloiu	PROPN
framr-4075	1044	14	,	,	PUNCT
framr-4075	1044	15	l.	l.	PROPN
framr-4075	1044	16	,	,	PUNCT
framr-4075	1044	17	luminița	luminița	PROPN
framr-4075	1044	18	,	,	PUNCT
framr-4075	1044	19	l.	l.	PROPN
framr-4075	1044	20	,	,	PUNCT
framr-4075	1044	21	&	&	CCONJ
framr-4075	1044	22	ștefănescu	ștefănescu	PROPN
framr-4075	1044	23	,	,	PUNCT
framr-4075	1044	24	r.	r.	PROPN
framr-4075	1044	25	(	(	PUNCT
framr-4075	1044	26	2023	2023	NUM
framr-4075	1044	27	)	)	PUNCT
framr-4075	1044	28	.	.	PUNCT
framr-4075	1045	1	artificial	artificial	ADJ
framr-4075	1045	2	intelligence	intelligence	NOUN
framr-4075	1045	3	algorithms	algorithm	NOUN
framr-4075	1045	4	and	and	CCONJ
framr-4075	1045	5	cloud	cloud	NOUN
framr-4075	1045	6	computing	computing	NOUN
framr-4075	1045	7	technologies	technology	NOUN
framr-4075	1045	8	in	in	ADP
framr-4075	1045	9	blockchain	blockchain	PROPN
framr-4075	1045	10	-	-	PUNCT
framr-4075	1045	11	based	base	VERB
framr-4075	1045	12	fintech	fintech	NOUN
framr-4075	1045	13	management	management	NOUN
framr-4075	1045	14	.	.	PUNCT
framr-4075	1046	1	oeconomia	oeconomia	NOUN
framr-4075	1046	2	copernicana	copernicana	PROPN
framr-4075	1046	3	,	,	PUNCT
framr-4075	1046	4	14(3	14(3	NUM
framr-4075	1046	5	)	)	PUNCT
framr-4075	1046	6	,	,	PUNCT
framr-4075	1046	7	707	707	NUM
framr-4075	1046	8	-	-	SYM
framr-4075	1046	9	730	730	NUM
framr-4075	1046	10	.	.	PUNCT
framr-4075	1046	11	https://doi.org/10.24136/oc.2023.021	https://doi.org/10.24136/oc.2023.021	NOUN
framr-4075	1046	12	le	le	PROPN
framr-4075	1046	13	,	,	PUNCT
framr-4075	1046	14	t.	t.	PROPN
framr-4075	1046	15	t.	t.	PROPN
framr-4075	1046	16	,	,	PUNCT
framr-4075	1046	17	mai	mai	PROPN
framr-4075	1046	18	,	,	PUNCT
framr-4075	1046	19	h.	h.	PROPN
framr-4075	1046	20	n.	n.	PROPN
framr-4075	1046	21	,	,	PUNCT
framr-4075	1046	22	phan	phan	PROPN
framr-4075	1046	23	,	,	PUNCT
framr-4075	1046	24	d.	d.	PROPN
framr-4075	1046	25	t.	t.	PROPN
framr-4075	1046	26	,	,	PUNCT
framr-4075	1046	27	nguyen	nguyen	PROPN
framr-4075	1046	28	,	,	PUNCT
framr-4075	1046	29	m.	m.	NOUN
framr-4075	1046	30	n.	n.	PROPN
framr-4075	1046	31	,	,	PUNCT
framr-4075	1046	32	&	&	CCONJ
framr-4075	1046	33	le	le	PROPN
framr-4075	1046	34	,	,	PUNCT
framr-4075	1046	35	h.	h.	PROPN
framr-4075	1046	36	d.	d.	PROPN
framr-4075	1046	37	(	(	PUNCT
framr-4075	1046	38	2021	2021	NUM
framr-4075	1046	39	)	)	PUNCT
framr-4075	1046	40	.	.	PUNCT
framr-4075	1047	1	fintech	fintech	NOUN
framr-4075	1047	2	innovations	innovation	NOUN
framr-4075	1047	3	:	:	PUNCT
framr-4075	1047	4	the	the	DET
framr-4075	1047	5	impact	impact	NOUN
framr-4075	1047	6	of	of	ADP
framr-4075	1047	7	mobile	mobile	ADJ
framr-4075	1047	8	banking	banking	NOUN
framr-4075	1047	9	apps	app	NOUN
framr-4075	1047	10	on	on	ADP
framr-4075	1047	11	bank	bank	NOUN
framr-4075	1047	12	performance	performance	NOUN
framr-4075	1047	13	in	in	ADP
framr-4075	1047	14	vietnam	vietnam	PROPN
framr-4075	1047	15	.	.	PUNCT
framr-4075	1048	1	international	international	ADJ
framr-4075	1048	2	journal	journal	PROPN
framr-4075	1048	3	of	of	ADP
framr-4075	1048	4	research	research	NOUN
framr-4075	1048	5	and	and	CCONJ
framr-4075	1048	6	review	review	NOUN
framr-4075	1048	7	,	,	PUNCT
framr-4075	1048	8	8(4	8(4	NUM
framr-4075	1048	9	)	)	PUNCT
framr-4075	1048	10	,	,	PUNCT
framr-4075	1048	11	391	391	NUM
framr-4075	1048	12	-	-	SYM
framr-4075	1048	13	401	401	NUM
framr-4075	1048	14	.	.	PUNCT
framr-4075	1049	1	lechman	lechman	PROPN
framr-4075	1049	2	,	,	PUNCT
framr-4075	1049	3	e.	e.	PROPN
framr-4075	1049	4	,	,	PUNCT
framr-4075	1049	5	&	&	CCONJ
framr-4075	1049	6	marszk	marszk	PROPN
framr-4075	1049	7	,	,	PUNCT
framr-4075	1049	8	a.	a.	NOUN
framr-4075	1049	9	(	(	PUNCT
framr-4075	1049	10	2021	2021	NUM
framr-4075	1049	11	)	)	PUNCT
framr-4075	1049	12	.	.	PUNCT
framr-4075	1050	1	the	the	DET
framr-4075	1050	2	digital	digital	ADJ
framr-4075	1050	3	disruption	disruption	NOUN
framr-4075	1050	4	of	of	ADP
framr-4075	1050	5	financial	financial	ADJ
framr-4075	1050	6	services	service	NOUN
framr-4075	1050	7	.	.	PUNCT
framr-4075	1051	1	oxford	oxford	NOUN
framr-4075	1051	2	:	:	PUNCT
framr-4075	1051	3	routledge	routledge	PROPN
framr-4075	1051	4	.	.	PUNCT
framr-4075	1052	1	lee	lee	PROPN
framr-4075	1052	2	,	,	PUNCT
framr-4075	1052	3	i.	i.	PROPN
framr-4075	1052	4	,	,	PUNCT
framr-4075	1052	5	&	&	CCONJ
framr-4075	1052	6	shin	shin	PROPN
framr-4075	1052	7	,	,	PUNCT
framr-4075	1052	8	y.	y.	PROPN
framr-4075	1052	9	j.	j.	PROPN
framr-4075	1052	10	(	(	PUNCT
framr-4075	1052	11	2018	2018	NUM
framr-4075	1052	12	)	)	PUNCT
framr-4075	1052	13	.	.	PUNCT
framr-4075	1053	1	fintech	fintech	NOUN
framr-4075	1053	2	:	:	PUNCT
framr-4075	1053	3	ecosystem	ecosystem	NOUN
framr-4075	1053	4	,	,	PUNCT
framr-4075	1053	5	business	business	NOUN
framr-4075	1053	6	models	model	NOUN
framr-4075	1053	7	,	,	PUNCT
framr-4075	1053	8	investment	investment	NOUN
framr-4075	1053	9	decisions	decision	NOUN
framr-4075	1053	10	,	,	PUNCT
framr-4075	1053	11	and	and	CCONJ
framr-4075	1053	12	challenges	challenge	NOUN
framr-4075	1053	13	.	.	PUNCT
framr-4075	1054	1	business	business	NOUN
framr-4075	1054	2	horizons	horizon	NOUN
framr-4075	1054	3	,	,	PUNCT
framr-4075	1054	4	61(1	61(1	NOUN
framr-4075	1054	5	)	)	PUNCT
framr-4075	1054	6	,	,	PUNCT
framr-4075	1054	7	35	35	NUM
framr-4075	1054	8	-	-	SYM
framr-4075	1054	9	46	46	NUM
framr-4075	1054	10	.	.	PUNCT
framr-4075	1055	1	https://doi.org/10.1016/j.bushor.2017.09.003	https://doi.org/10.1016/j.bushor.2017.09.003	PROPN
framr-4075	1055	2	lehmann	lehmann	PROPN
framr-4075	1055	3	,	,	PUNCT
framr-4075	1055	4	m.	m.	NOUN
framr-4075	1055	5	(	(	PUNCT
framr-4075	1055	6	2020	2020	NUM
framr-4075	1055	7	)	)	PUNCT
framr-4075	1055	8	.	.	PUNCT
framr-4075	1056	1	global	global	ADJ
framr-4075	1056	2	rules	rule	NOUN
framr-4075	1056	3	for	for	ADP
framr-4075	1056	4	a	a	DET
framr-4075	1056	5	global	global	ADJ
framr-4075	1056	6	market	market	NOUN
framr-4075	1056	7	place?-regulation	place?-regulation	NOUN
framr-4075	1056	8	and	and	CCONJ
framr-4075	1056	9	supervision	supervision	NOUN
framr-4075	1056	10	of	of	ADP
framr-4075	1056	11	fintech	fintech	NOUN
framr-4075	1056	12	providers	provider	NOUN
framr-4075	1056	13	.	.	PUNCT
framr-4075	1057	1	bu	bu	PROPN
framr-4075	1057	2	int'l	int'l	PROPN
framr-4075	1057	3	lj	lj	PROPN
framr-4075	1057	4	,	,	PUNCT
framr-4075	1057	5	38	38	NUM
framr-4075	1057	6	,	,	PUNCT
framr-4075	1057	7	118	118	NUM
framr-4075	1057	8	.	.	PUNCT
framr-4075	1058	1	levi	levi	PROPN
framr-4075	1058	2	,	,	PUNCT
framr-4075	1058	3	m.	m.	NOUN
framr-4075	1058	4	(	(	PUNCT
framr-4075	1058	5	2015	2015	NUM
framr-4075	1058	6	)	)	PUNCT
framr-4075	1058	7	.	.	PUNCT
framr-4075	1059	1	foreword	foreword	NOUN
framr-4075	1059	2	:	:	PUNCT
framr-4075	1059	3	some	some	DET
framr-4075	1059	4	reflections	reflection	NOUN
framr-4075	1059	5	on	on	ADP
framr-4075	1059	6	the	the	DET
framr-4075	1059	7	evolution	evolution	NOUN
framr-4075	1059	8	of	of	ADP
framr-4075	1059	9	economic	economic	ADJ
framr-4075	1059	10	and	and	CCONJ
framr-4075	1059	11	financial	financial	ADJ
framr-4075	1059	12	crimes	crime	NOUN
framr-4075	1059	13	research	research	NOUN
framr-4075	1059	14	handbook	handbook	NOUN
framr-4075	1059	15	on	on	ADP
framr-4075	1059	16	international	international	ADJ
framr-4075	1059	17	financial	financial	ADJ
framr-4075	1059	18	crime	crime	NOUN
framr-4075	1059	19	;	;	PUNCT
framr-4075	1059	20	rider	rider	NOUN
framr-4075	1059	21	,	,	PUNCT
framr-4075	1059	22	b.	b.	PROPN
framr-4075	1059	23	,	,	PUNCT
framr-4075	1059	24	ed	ed	PROPN
framr-4075	1059	25	.	.	PUNCT
framr-4075	1060	1	cheltenham	cheltenham	PROPN
framr-4075	1060	2	,	,	PUNCT
framr-4075	1060	3	uk	uk	PROPN
framr-4075	1060	4	:	:	PUNCT
framr-4075	1060	5	edward	edward	PROPN
framr-4075	1060	6	elgar	elgar	PROPN
framr-4075	1060	7	publishing	publishing	PROPN
framr-4075	1060	8	limited	limit	VERB
framr-4075	1060	9	.	.	PUNCT
framr-4075	1061	1	li	li	PROPN
framr-4075	1061	2	,	,	PUNCT
framr-4075	1061	3	g.	g.	PROPN
framr-4075	1061	4	,	,	PUNCT
framr-4075	1061	5	elahi	elahi	PROPN
framr-4075	1061	6	,	,	PUNCT
framr-4075	1061	7	e.	e.	PROPN
framr-4075	1061	8	,	,	PUNCT
framr-4075	1061	9	&	&	CCONJ
framr-4075	1061	10	zhao	zhao	PROPN
framr-4075	1061	11	,	,	PUNCT
framr-4075	1061	12	l.	l.	PROPN
framr-4075	1061	13	(	(	PUNCT
framr-4075	1061	14	2022	2022	NUM
framr-4075	1061	15	)	)	PUNCT
framr-4075	1061	16	.	.	PUNCT
framr-4075	1062	1	fintech	fintech	NOUN
framr-4075	1062	2	,	,	PUNCT
framr-4075	1062	3	bank	bank	NOUN
framr-4075	1062	4	risk	risk	NOUN
framr-4075	1062	5	-	-	PUNCT
framr-4075	1062	6	taking	taking	NOUN
framr-4075	1062	7	,	,	PUNCT
framr-4075	1062	8	and	and	CCONJ
framr-4075	1062	9	risk	risk	NOUN
framr-4075	1062	10	-	-	PUNCT
framr-4075	1062	11	warning	warning	NOUN
framr-4075	1062	12	for	for	ADP
framr-4075	1062	13	commercial	commercial	ADJ
framr-4075	1062	14	banks	bank	NOUN
framr-4075	1062	15	in	in	ADP
framr-4075	1062	16	the	the	DET
framr-4075	1062	17	era	era	NOUN
framr-4075	1062	18	of	of	ADP
framr-4075	1062	19	digital	digital	ADJ
framr-4075	1062	20	technology	technology	NOUN
framr-4075	1062	21	.	.	PUNCT
framr-4075	1063	1	frontiers	frontier	NOUN
framr-4075	1063	2	in	in	ADP
framr-4075	1063	3	psychology	psychology	NOUN
framr-4075	1063	4	,	,	PUNCT
framr-4075	1063	5	13	13	NUM
framr-4075	1063	6	,	,	PUNCT
framr-4075	1063	7	934053	934053	NUM
framr-4075	1063	8	.	.	PUNCT
framr-4075	1064	1	https://doi.org/10.3389/fpsyg.2022.934053	https://doi.org/10.3389/fpsyg.2022.934053	PROPN
framr-4075	1064	2	lieonov	lieonov	VERB
framr-4075	1064	3	,	,	PUNCT
framr-4075	1064	4	s.	s.	PROPN
framr-4075	1064	5	v.	v.	PROPN
framr-4075	1064	6	,	,	PUNCT
framr-4075	1064	7	bozhenko	bozhenko	ADJ
framr-4075	1064	8	,	,	PUNCT
framr-4075	1064	9	v.	v.	PROPN
framr-4075	1064	10	v.	v.	ADP
framr-4075	1064	11	,	,	PUNCT
framr-4075	1064	12	&	&	CCONJ
framr-4075	1064	13	mynenko	mynenko	PROPN
framr-4075	1064	14	,	,	PUNCT
framr-4075	1064	15	s.	s.	PROPN
framr-4075	1064	16	v.	v.	PROPN
framr-4075	1064	17	(	(	PUNCT
framr-4075	1064	18	2023	2023	NUM
framr-4075	1064	19	)	)	PUNCT
framr-4075	1064	20	.	.	PUNCT
framr-4075	1065	1	promoting	promote	VERB
framr-4075	1065	2	public	public	ADJ
framr-4075	1065	3	integrity	integrity	NOUN
framr-4075	1065	4	and	and	CCONJ
framr-4075	1065	5	combating	combat	VERB
framr-4075	1065	6	financial	financial	ADJ
framr-4075	1065	7	crime	crime	NOUN
framr-4075	1065	8	:	:	PUNCT
framr-4075	1065	9	challenges	challenge	NOUN
framr-4075	1065	10	on	on	ADP
framr-4075	1065	11	the	the	DET
framr-4075	1065	12	pathway	pathway	NOUN
framr-4075	1065	13	to	to	ADP
framr-4075	1065	14	sustainable	sustainable	ADJ
framr-4075	1065	15	development	development	NOUN
framr-4075	1065	16	.	.	PUNCT
framr-4075	1066	1	loughman	loughman	PROPN
framr-4075	1066	2	,	,	PUNCT
framr-4075	1066	3	b.	b.	PROPN
framr-4075	1066	4	p.	p.	PROPN
framr-4075	1066	5	,	,	PUNCT
framr-4075	1066	6	&	&	CCONJ
framr-4075	1066	7	sibery	sibery	PROPN
framr-4075	1066	8	,	,	PUNCT
framr-4075	1066	9	r.	r.	PROPN
framr-4075	1066	10	a.	a.	PROPN
framr-4075	1066	11	(	(	PUNCT
framr-4075	1066	12	2011	2011	NUM
framr-4075	1066	13	)	)	PUNCT
framr-4075	1066	14	.	.	PUNCT
framr-4075	1067	1	bribery	bribery	NOUN
framr-4075	1067	2	and	and	CCONJ
framr-4075	1067	3	corruption	corruption	NOUN
framr-4075	1067	4	:	:	PUNCT
framr-4075	1067	5	navigating	navigate	VERB
framr-4075	1067	6	the	the	DET
framr-4075	1067	7	global	global	ADJ
framr-4075	1067	8	risks	risk	NOUN
framr-4075	1067	9	.	.	PUNCT
framr-4075	1068	1	hoboken	hoboken	PROPN
framr-4075	1068	2	,	,	PUNCT
framr-4075	1068	3	nj	nj	PROPN
framr-4075	1068	4	:	:	PUNCT
framr-4075	1068	5	john	john	PROPN
framr-4075	1068	6	wiley	wiley	PROPN
framr-4075	1068	7	&	&	CCONJ
framr-4075	1068	8	sons	son	NOUN
framr-4075	1068	9	.	.	PUNCT
framr-4075	1069	1	luciani	luciani	PROPN
framr-4075	1069	2	,	,	PUNCT
framr-4075	1069	3	t.	t.	PROPN
framr-4075	1069	4	c.	c.	PROPN
framr-4075	1069	5	,	,	PUNCT
framr-4075	1069	6	distasio	distasio	PROPN
framr-4075	1069	7	,	,	PUNCT
framr-4075	1069	8	b.	b.	PROPN
framr-4075	1069	9	a.	a.	PROPN
framr-4075	1069	10	,	,	PUNCT
framr-4075	1069	11	bungert	bungert	PROPN
framr-4075	1069	12	,	,	PUNCT
framr-4075	1069	13	j.	j.	PROPN
framr-4075	1069	14	,	,	PUNCT
framr-4075	1069	15	sumner	sumner	PROPN
framr-4075	1069	16	,	,	PUNCT
framr-4075	1069	17	m.	m.	NOUN
framr-4075	1069	18	,	,	PUNCT
framr-4075	1069	19	&	&	CCONJ
framr-4075	1069	20	bozzo	bozzo	PROPN
framr-4075	1069	21	,	,	PUNCT
framr-4075	1069	22	t.	t.	PROPN
framr-4075	1069	23	l.	l.	PROPN
framr-4075	1069	24	(	(	PUNCT
framr-4075	1069	25	2016	2016	NUM
framr-4075	1069	26	)	)	PUNCT
framr-4075	1069	27	.	.	PUNCT
framr-4075	1070	1	use	use	NOUN
framr-4075	1070	2	of	of	ADP
framr-4075	1070	3	drones	drone	NOUN
framr-4075	1070	4	to	to	PART
framr-4075	1070	5	assist	assist	VERB
framr-4075	1070	6	with	with	ADP
framr-4075	1070	7	insurance	insurance	NOUN
framr-4075	1070	8	,	,	PUNCT
framr-4075	1070	9	financial	financial	ADJ
framr-4075	1070	10	and	and	CCONJ
framr-4075	1070	11	underwriting	underwriting	NOUN
framr-4075	1070	12	related	relate	VERB
framr-4075	1070	13	activities	activity	NOUN
framr-4075	1070	14	,	,	PUNCT
framr-4075	1070	15	march	march	PROPN
framr-4075	1070	16	3	3	NUM
framr-4075	1070	17	2016	2016	NUM
framr-4075	1070	18	.	.	PUNCT
framr-4075	1071	1	us	us	PROPN
framr-4075	1071	2	patent	patent	NOUN
framr-4075	1071	3	app	app	NOUN
framr-4075	1071	4	,	,	PUNCT
framr-4075	1071	5	14(843,455	14(843,455	PROPN
framr-4075	1071	6	)	)	PUNCT
framr-4075	1071	7	.	.	PUNCT
framr-4075	1072	1	macchiavello	macchiavello	PROPN
framr-4075	1072	2	,	,	PUNCT
framr-4075	1072	3	e.	e.	PROPN
framr-4075	1072	4	,	,	PUNCT
framr-4075	1072	5	&	&	CCONJ
framr-4075	1072	6	siri	siri	NOUN
framr-4075	1072	7	,	,	PUNCT
framr-4075	1072	8	m.	m.	NOUN
framr-4075	1072	9	(	(	PUNCT
framr-4075	1072	10	2022	2022	NUM
framr-4075	1072	11	)	)	PUNCT
framr-4075	1072	12	.	.	PUNCT
framr-4075	1073	1	sustainable	sustainable	ADJ
framr-4075	1073	2	finance	finance	NOUN
framr-4075	1073	3	and	and	CCONJ
framr-4075	1073	4	fintech	fintech	NOUN
framr-4075	1073	5	:	:	PUNCT
framr-4075	1073	6	can	can	AUX
framr-4075	1073	7	technology	technology	NOUN
framr-4075	1073	8	contribute	contribute	VERB
framr-4075	1073	9	to	to	ADP
framr-4075	1073	10	achieving	achieve	VERB
framr-4075	1073	11	environmental	environmental	ADJ
framr-4075	1073	12	goals	goal	NOUN
framr-4075	1073	13	?	?	PUNCT
framr-4075	1074	1	a	a	DET
framr-4075	1074	2	preliminary	preliminary	ADJ
framr-4075	1074	3	assessment	assessment	NOUN
framr-4075	1074	4	of	of	ADP
framr-4075	1074	5	‘	'	PUNCT
framr-4075	1074	6	green	green	ADJ
framr-4075	1074	7	fintech’and	fintech’and	NOUN
framr-4075	1074	8	‘	'	PUNCT
framr-4075	1074	9	sustainable	sustainable	ADJ
framr-4075	1074	10	digital	digital	ADJ
framr-4075	1074	11	finance	finance	NOUN
framr-4075	1074	12	’	'	PUNCT
framr-4075	1074	13	.	.	PUNCT
framr-4075	1075	1	european	european	ADJ
framr-4075	1075	2	company	company	PROPN
framr-4075	1075	3	and	and	CCONJ
framr-4075	1075	4	financial	financial	ADJ
framr-4075	1075	5	law	law	NOUN
framr-4075	1075	6	review	review	NOUN
framr-4075	1075	7	,	,	PUNCT
framr-4075	1075	8	19(1	19(1	NUM
framr-4075	1075	9	)	)	PUNCT
framr-4075	1075	10	,	,	PUNCT
framr-4075	1075	11	128	128	NUM
framr-4075	1075	12	-	-	SYM
framr-4075	1075	13	174	174	NUM
framr-4075	1075	14	.	.	PUNCT
framr-4075	1076	1	https://doi.org/10.1515/ecfr-2022-0005	https://doi.org/10.1515/ecfr-2022-0005	VERB
framr-4075	1076	2	mah	mah	PROPN
framr-4075	1076	3	,	,	PUNCT
framr-4075	1076	4	d.	d.	PROPN
framr-4075	1076	5	n.-y	n.-y	VERB
framr-4075	1076	6	.	.	PUNCT
framr-4075	1077	1	(	(	PUNCT
framr-4075	1077	2	2020	2020	NUM
framr-4075	1077	3	)	)	PUNCT
framr-4075	1077	4	.	.	PUNCT
framr-4075	1078	1	conceptualising	conceptualise	VERB
framr-4075	1078	2	government	government	NOUN
framr-4075	1078	3	-	-	PUNCT
framr-4075	1078	4	market	market	NOUN
framr-4075	1078	5	dynamics	dynamic	NOUN
framr-4075	1078	6	in	in	ADP
framr-4075	1078	7	socio	socio	NOUN
framr-4075	1078	8	-	-	PUNCT
framr-4075	1078	9	technical	technical	ADJ
framr-4075	1078	10	energy	energy	NOUN
framr-4075	1078	11	transitions	transition	NOUN
framr-4075	1078	12	:	:	PUNCT
framr-4075	1078	13	a	a	DET
framr-4075	1078	14	comparative	comparative	ADJ
framr-4075	1078	15	case	case	NOUN
framr-4075	1078	16	study	study	NOUN
framr-4075	1078	17	of	of	ADP
framr-4075	1078	18	smart	smart	ADJ
framr-4075	1078	19	grid	grid	NOUN
framr-4075	1078	20	developments	development	NOUN
framr-4075	1078	21	in	in	ADP
framr-4075	1078	22	china	china	PROPN
framr-4075	1078	23	and	and	CCONJ
framr-4075	1078	24	japan	japan	PROPN
framr-4075	1078	25	.	.	PUNCT
framr-4075	1079	1	geoforum	geoforum	PROPN
framr-4075	1079	2	,	,	PUNCT
framr-4075	1079	3	108	108	NUM
framr-4075	1079	4	,	,	PUNCT
framr-4075	1079	5	148	148	NUM
framr-4075	1079	6	-	-	SYM
framr-4075	1079	7	168	168	NUM
framr-4075	1079	8	.	.	PUNCT
framr-4075	1080	1	https://www.ibm.com/downloads/cas/jdalzgkj	https://www.ibm.com/downloads/cas/jdalzgkj	NOUN
framr-4075	1080	2	https://www.int-comp.org/	https://www.int-comp.org/	VERB
framr-4075	1080	3	https://doi.org/10.1108/jmlc-05-2020-0045	https://doi.org/10.1108/jmlc-05-2020-0045	ADV
framr-4075	1080	4	https://home.kpmg.com/xx/en/home/insights/2015/12/ventures-kpmg-fintech-fs.html	https://home.kpmg.com/xx/en/home/insights/2015/12/ventures-kpmg-fintech-fs.html	PROPN
framr-4075	1080	5	https://doi.org/10.4018/979-8-3693-5593-0.ch017	https://doi.org/10.4018/979-8-3693-5593-0.ch017	ADJ
framr-4075	1080	6	https://doi.org/10.24136/oc.2023.021	https://doi.org/10.24136/oc.2023.021	NOUN
framr-4075	1080	7	https://doi.org/10.1016/j.bushor.2017.09.003	https://doi.org/10.1016/j.bushor.2017.09.003	X
framr-4075	1080	8	https://doi.org/10.3389/fpsyg.2022.934053	https://doi.org/10.3389/fpsyg.2022.934053	PROPN
framr-4075	1080	9	https://doi.org/10.1515/ecfr-2022-0005	https://doi.org/10.1515/ecfr-2022-0005	VERB
framr-4075	1080	10	financial	financial	ADJ
framr-4075	1080	11	risk	risk	NOUN
framr-4075	1080	12	and	and	CCONJ
framr-4075	1080	13	management	management	NOUN
framr-4075	1080	14	reviews	review	NOUN
framr-4075	1080	15	,	,	PUNCT
framr-4075	1080	16	2025	2025	NUM
framr-4075	1080	17	,	,	PUNCT
framr-4075	1080	18	11(1	11(1	NUM
framr-4075	1080	19	):	):	PUNCT
framr-4075	1080	20	1	1	NUM
framr-4075	1080	21	-	-	SYM
framr-4075	1080	22	36	36	NUM
framr-4075	1080	23	33	33	NUM
framr-4075	1080	24	©	©	PROPN
framr-4075	1080	25	2025	2025	NUM
framr-4075	1080	26	conscientia	conscientia	PROPN
framr-4075	1080	27	beam	beam	PROPN
framr-4075	1080	28	.	.	PUNCT
framr-4075	1081	1	all	all	DET
framr-4075	1081	2	rights	right	NOUN
framr-4075	1081	3	reserved	reserve	VERB
framr-4075	1081	4	.	.	PUNCT
framr-4075	1082	1	marqués	marqués	PROPN
framr-4075	1082	2	,	,	PUNCT
framr-4075	1082	3	j.	j.	PROPN
framr-4075	1082	4	m.	m.	PROPN
framr-4075	1082	5	,	,	PUNCT
framr-4075	1082	6	ávila	ávila	PROPN
framr-4075	1082	7	,	,	PUNCT
framr-4075	1082	8	f.	f.	PROPN
framr-4075	1082	9	,	,	PUNCT
framr-4075	1082	10	rodríguez	rodríguez	NOUN
framr-4075	1082	11	-	-	PUNCT
framr-4075	1082	12	martínez	martínez	PROPN
framr-4075	1082	13	,	,	PUNCT
framr-4075	1082	14	a.	a.	NOUN
framr-4075	1082	15	,	,	PUNCT
framr-4075	1082	16	morales	morales	PROPN
framr-4075	1082	17	-	-	PUNCT
framr-4075	1082	18	reséndiz	reséndiz	NOUN
framr-4075	1082	19	,	,	PUNCT
framr-4075	1082	20	r.	r.	PROPN
framr-4075	1082	21	,	,	PUNCT
framr-4075	1082	22	marcos	marcos	PROPN
framr-4075	1082	23	,	,	PUNCT
framr-4075	1082	24	a.	a.	PROPN
framr-4075	1082	25	,	,	PUNCT
framr-4075	1082	26	godoy	godoy	PROPN
framr-4075	1082	27	,	,	PUNCT
framr-4075	1082	28	t.	t.	PROPN
framr-4075	1082	29	,	,	PUNCT
framr-4075	1082	30	.	.	PUNCT
framr-4075	1082	31	.	.	PUNCT
framr-4075	1082	32	.	.	PUNCT
framr-4075	1083	1	blanco	blanco	PROPN
framr-4075	1083	2	,	,	PUNCT
framr-4075	1083	3	c.	c.	PROPN
framr-4075	1083	4	(	(	PUNCT
framr-4075	1083	5	2021	2021	NUM
framr-4075	1083	6	)	)	PUNCT
framr-4075	1083	7	.	.	PUNCT
framr-4075	1084	1	policy	policy	NOUN
framr-4075	1084	2	report	report	NOUN
framr-4075	1084	3	on	on	ADP
framr-4075	1084	4	fintech	fintech	NOUN
framr-4075	1084	5	data	datum	NOUN
framr-4075	1084	6	gaps	gap	NOUN
framr-4075	1084	7	.	.	PUNCT
framr-4075	1085	1	latin	latin	PROPN
framr-4075	1085	2	american	american	PROPN
framr-4075	1085	3	journal	journal	PROPN
framr-4075	1085	4	of	of	ADP
framr-4075	1085	5	central	central	ADJ
framr-4075	1085	6	banking	banking	NOUN
framr-4075	1085	7	,	,	PUNCT
framr-4075	1085	8	2(3	2(3	NUM
framr-4075	1085	9	)	)	PUNCT
framr-4075	1085	10	,	,	PUNCT
framr-4075	1085	11	100037	100037	NUM
framr-4075	1085	12	.	.	PUNCT
framr-4075	1086	1	https://doi.org/10.1016/j.latcb.2021.100037	https://doi.org/10.1016/j.latcb.2021.100037	PROPN
framr-4075	1086	2	marston	marston	PROPN
framr-4075	1086	3	,	,	PUNCT
framr-4075	1086	4	s.	s.	PROPN
framr-4075	1086	5	,	,	PUNCT
framr-4075	1086	6	li	li	PROPN
framr-4075	1086	7	,	,	PUNCT
framr-4075	1086	8	z.	z.	PROPN
framr-4075	1086	9	,	,	PUNCT
framr-4075	1086	10	bandyopadhyay	bandyopadhyay	NOUN
framr-4075	1086	11	,	,	PUNCT
framr-4075	1086	12	s.	s.	PROPN
framr-4075	1086	13	,	,	PUNCT
framr-4075	1086	14	zhang	zhang	PROPN
framr-4075	1086	15	,	,	PUNCT
framr-4075	1086	16	j.	j.	PROPN
framr-4075	1086	17	,	,	PUNCT
framr-4075	1086	18	&	&	CCONJ
framr-4075	1086	19	ghalsasi	ghalsasi	PROPN
framr-4075	1086	20	,	,	PUNCT
framr-4075	1086	21	a.	a.	NOUN
framr-4075	1086	22	(	(	PUNCT
framr-4075	1086	23	2011	2011	NUM
framr-4075	1086	24	)	)	PUNCT
framr-4075	1086	25	.	.	PUNCT
framr-4075	1087	1	cloud	cloud	PROPN
framr-4075	1087	2	computing	computing	PROPN
framr-4075	1087	3	—	—	PUNCT
framr-4075	1087	4	the	the	DET
framr-4075	1087	5	business	business	NOUN
framr-4075	1087	6	perspective	perspective	NOUN
framr-4075	1087	7	.	.	PUNCT
framr-4075	1088	1	decision	decision	NOUN
framr-4075	1088	2	support	support	NOUN
framr-4075	1088	3	systems	system	NOUN
framr-4075	1088	4	,	,	PUNCT
framr-4075	1088	5	51(1	51(1	NUM
framr-4075	1088	6	)	)	PUNCT
framr-4075	1088	7	,	,	PUNCT
framr-4075	1088	8	176	176	NUM
framr-4075	1088	9	-	-	SYM
framr-4075	1088	10	189	189	NUM
framr-4075	1088	11	.	.	PUNCT
framr-4075	1089	1	mascarenhas	mascarenhas	PROPN
framr-4075	1089	2	,	,	PUNCT
framr-4075	1089	3	a.	a.	PROPN
framr-4075	1089	4	b.	b.	PROPN
framr-4075	1089	5	,	,	PUNCT
framr-4075	1089	6	perpétuo	perpétuo	NOUN
framr-4075	1089	7	,	,	PUNCT
framr-4075	1089	8	c.	c.	PROPN
framr-4075	1089	9	k.	k.	PROPN
framr-4075	1089	10	,	,	PUNCT
framr-4075	1089	11	barrote	barrote	VERB
framr-4075	1089	12	,	,	PUNCT
framr-4075	1089	13	e.	e.	PROPN
framr-4075	1089	14	b.	b.	PROPN
framr-4075	1089	15	,	,	PUNCT
framr-4075	1089	16	&	&	CCONJ
framr-4075	1089	17	perides	peride	NOUN
framr-4075	1089	18	,	,	PUNCT
framr-4075	1089	19	m.	m.	NOUN
framr-4075	1089	20	p.	p.	NOUN
framr-4075	1089	21	(	(	PUNCT
framr-4075	1089	22	2021	2021	NUM
framr-4075	1089	23	)	)	PUNCT
framr-4075	1089	24	.	.	PUNCT
framr-4075	1090	1	the	the	DET
framr-4075	1090	2	influence	influence	NOUN
framr-4075	1090	3	of	of	ADP
framr-4075	1090	4	perceptions	perception	NOUN
framr-4075	1090	5	of	of	ADP
framr-4075	1090	6	risks	risk	NOUN
framr-4075	1090	7	and	and	CCONJ
framr-4075	1090	8	benefits	benefit	NOUN
framr-4075	1090	9	on	on	ADP
framr-4075	1090	10	the	the	DET
framr-4075	1090	11	continuity	continuity	NOUN
framr-4075	1090	12	of	of	ADP
framr-4075	1090	13	use	use	NOUN
framr-4075	1090	14	of	of	ADP
framr-4075	1090	15	fintech	fintech	NOUN
framr-4075	1090	16	services	service	NOUN
framr-4075	1090	17	.	.	PUNCT
framr-4075	1091	1	bbr	bbr	PROPN
framr-4075	1091	2	.	.	PUNCT
framr-4075	1092	1	brazilian	brazilian	ADJ
framr-4075	1092	2	business	business	PROPN
framr-4075	1092	3	review	review	PROPN
framr-4075	1092	4	,	,	PUNCT
framr-4075	1092	5	18	18	NUM
framr-4075	1092	6	,	,	PUNCT
framr-4075	1092	7	1	1	NUM
framr-4075	1092	8	-	-	SYM
framr-4075	1092	9	21	21	NUM
framr-4075	1092	10	.	.	PUNCT
framr-4075	1093	1	https://doi.org/10.15728/bbr.2021.18.1.1	https://doi.org/10.15728/bbr.2021.18.1.1	PROPN
framr-4075	1093	2	matt	matt	PROPN
framr-4075	1093	3	,	,	PUNCT
framr-4075	1093	4	c.	c.	PROPN
framr-4075	1093	5	,	,	PUNCT
framr-4075	1093	6	hess	hess	PROPN
framr-4075	1093	7	,	,	PUNCT
framr-4075	1093	8	t.	t.	PROPN
framr-4075	1093	9	,	,	PUNCT
framr-4075	1093	10	&	&	CCONJ
framr-4075	1093	11	benlian	benlian	PROPN
framr-4075	1093	12	,	,	PUNCT
framr-4075	1093	13	a.	a.	NOUN
framr-4075	1093	14	(	(	PUNCT
framr-4075	1093	15	2015	2015	NUM
framr-4075	1093	16	)	)	PUNCT
framr-4075	1093	17	.	.	PUNCT
framr-4075	1094	1	digital	digital	ADJ
framr-4075	1094	2	transformation	transformation	NOUN
framr-4075	1094	3	strategies	strategy	NOUN
framr-4075	1094	4	.	.	PUNCT
framr-4075	1095	1	business	business	NOUN
framr-4075	1095	2	&	&	CCONJ
framr-4075	1095	3	information	information	PROPN
framr-4075	1095	4	systems	system	NOUN
framr-4075	1095	5	engineering	engineering	NOUN
framr-4075	1095	6	,	,	PUNCT
framr-4075	1095	7	57	57	NUM
framr-4075	1095	8	,	,	PUNCT
framr-4075	1095	9	339343	339343	NUM
framr-4075	1095	10	.	.	PUNCT
framr-4075	1096	1	mckinsey	mckinsey	NOUN
framr-4075	1096	2	&	&	CCONJ
framr-4075	1096	3	company	company	PROPN
framr-4075	1096	4	.	.	PUNCT
framr-4075	1097	1	(	(	PUNCT
framr-4075	1097	2	2021a	2021a	NUM
framr-4075	1097	3	)	)	PUNCT
framr-4075	1097	4	.	.	PUNCT
framr-4075	1098	1	financial	financial	ADJ
framr-4075	1098	2	crime	crime	NOUN
framr-4075	1098	3	and	and	CCONJ
framr-4075	1098	4	fraud	fraud	NOUN
framr-4075	1098	5	in	in	ADP
framr-4075	1098	6	the	the	DET
framr-4075	1098	7	age	age	NOUN
framr-4075	1098	8	of	of	ADP
framr-4075	1098	9	cybersecurity	cybersecurity	NOUN
framr-4075	1098	10	.	.	PUNCT
framr-4075	1099	1	retrieved	retrieve	VERB
framr-4075	1099	2	from	from	ADP
framr-4075	1099	3	https://www.mckinsey.com/~/media/mckinsey/business%20functions/risk/our%20insights/financial%20crime	https://www.mckinsey.com/~/media/mckinsey/business%20functions/risk/our%20insights/financial%20crime	ADJ
framr-4075	1099	4	%	%	NOUN
framr-4075	1099	5	20and%20fraud%20in%20the%20age%20of%20cybersecurity	20and%20fraud%20in%20the%20age%20of%20cybersecurity	NOUN
framr-4075	1099	6	/	/	SYM
framr-4075	1099	7	financial	financial	ADJ
framr-4075	1099	8	-	-	PUNCT
framr-4075	1099	9	crime	crime	NOUN
framr-4075	1099	10	-	-	PUNCT
framr-4075	1099	11	and	and	CCONJ
framr-4075	1099	12	-	-	PUNCT
framr-4075	1099	13	fraud	fraud	NOUN
framr-4075	1099	14	-	-	PUNCT
framr-4075	1099	15	in	in	ADP
framr-4075	1099	16	-	-	PUNCT
framr-4075	1099	17	the	the	DET
framr-4075	1099	18	-	-	PUNCT
framr-4075	1099	19	age	age	NOUN
framr-4075	1099	20	-	-	PUNCT
framr-4075	1099	21	ofcybersecurity.pdf#:~:text	ofcybersecurity.pdf#:~:text	NOUN
framr-4075	1099	22	=	=	SYM
framr-4075	1099	23	url%3a%20https%3a%2f%2fwww.mckinsey.com%2f~%2fmedia%2fmckinsey%2fbu	url%3a%20https%3a%2f%2fwww.mckinsey.com%2f~%2fmedia%2fmckinsey%2fbu	NOUN
framr-4075	1099	24	siness%2520functions%2frisk%2four%2520insights%2ffinancial%2520crime%2520and%2520fraud%2520in%252	siness%2520functions%2frisk%2four%2520insights%2ffinancial%2520crime%2520and%2520fraud%2520in%252	VERB
framr-4075	1099	25	0the%2520age%2520of%2520cybersecurity%2ffinancial	0the%2520age%2520of%2520cybersecurity%2ffinancial	NUM
framr-4075	1099	26	mckinsey	mckinsey	NOUN
framr-4075	1099	27	&	&	CCONJ
framr-4075	1099	28	company	company	NOUN
framr-4075	1099	29	.	.	PUNCT
framr-4075	1100	1	(	(	PUNCT
framr-4075	1100	2	2021b	2021b	NUM
framr-4075	1100	3	)	)	PUNCT
framr-4075	1100	4	.	.	PUNCT
framr-4075	1101	1	financial	financial	ADJ
framr-4075	1101	2	crime	crime	NOUN
framr-4075	1101	3	risk	risk	NOUN
framr-4075	1101	4	management	management	NOUN
framr-4075	1101	5	in	in	ADP
framr-4075	1101	6	digital	digital	ADJ
framr-4075	1101	7	payments	payment	NOUN
framr-4075	1101	8	.	.	PUNCT
framr-4075	1102	1	retrieved	retrieve	VERB
framr-4075	1102	2	from	from	ADP
framr-4075	1102	3	https://www.mckinsey.com/capabilities/risk-and-resilience/our-insights/managing-financial-crime-risk-in-digitalpayments	https://www.mckinsey.com/capabilities/risk-and-resilience/our-insights/managing-financial-crime-risk-in-digitalpayment	NOUN
framr-4075	1102	4	medhi	medhi	PROPN
framr-4075	1102	5	,	,	PUNCT
framr-4075	1102	6	d.	d.	PROPN
framr-4075	1102	7	,	,	PUNCT
framr-4075	1102	8	singh	singh	PROPN
framr-4075	1102	9	,	,	PUNCT
framr-4075	1102	10	p.	p.	PROPN
framr-4075	1102	11	,	,	PUNCT
framr-4075	1102	12	goswami	goswami	PROPN
framr-4075	1102	13	,	,	PUNCT
framr-4075	1102	14	h.	h.	PROPN
framr-4075	1102	15	,	,	PUNCT
framr-4075	1102	16	&	&	CCONJ
framr-4075	1102	17	singh	singh	PROPN
framr-4075	1102	18	,	,	PUNCT
framr-4075	1102	19	j.	j.	PROPN
framr-4075	1102	20	(	(	PUNCT
framr-4075	1102	21	2024	2024	NUM
framr-4075	1102	22	)	)	PUNCT
framr-4075	1102	23	.	.	PUNCT
framr-4075	1103	1	futuristic	futuristic	ADJ
framr-4075	1103	2	approach	approach	NOUN
framr-4075	1103	3	of	of	ADP
framr-4075	1103	4	forensic	forensic	ADJ
framr-4075	1103	5	fraud	fraud	NOUN
framr-4075	1103	6	investigation	investigation	NOUN
framr-4075	1103	7	in	in	ADP
framr-4075	1103	8	money	money	NOUN
framr-4075	1103	9	embezzlement	embezzlement	NOUN
framr-4075	1103	10	,	,	PUNCT
framr-4075	1103	11	asset	asset	NOUN
framr-4075	1103	12	misappropriation	misappropriation	NOUN
framr-4075	1103	13	and	and	CCONJ
framr-4075	1103	14	larceny	larceny	NOUN
framr-4075	1103	15	.	.	PUNCT
framr-4075	1104	1	educational	educational	ADJ
framr-4075	1104	2	administration	administration	NOUN
framr-4075	1104	3	:	:	PUNCT
framr-4075	1104	4	theory	theory	NOUN
framr-4075	1104	5	and	and	CCONJ
framr-4075	1104	6	practice	practice	NOUN
framr-4075	1104	7	,	,	PUNCT
framr-4075	1104	8	30(6	30(6	NUM
framr-4075	1104	9	)	)	PUNCT
framr-4075	1104	10	,	,	PUNCT
framr-4075	1104	11	1283	1283	NUM
framr-4075	1104	12	-	-	SYM
framr-4075	1104	13	1303	1303	NUM
framr-4075	1104	14	.	.	PUNCT
framr-4075	1105	1	mehrban	mehrban	PROPN
framr-4075	1105	2	,	,	PUNCT
framr-4075	1105	3	s.	s.	PROPN
framr-4075	1105	4	,	,	PUNCT
framr-4075	1105	5	nadeem	nadeem	PROPN
framr-4075	1105	6	,	,	PUNCT
framr-4075	1105	7	m.	m.	PROPN
framr-4075	1105	8	w.	w.	PROPN
framr-4075	1105	9	,	,	PUNCT
framr-4075	1105	10	hussain	hussain	PROPN
framr-4075	1105	11	,	,	PUNCT
framr-4075	1105	12	m.	m.	NOUN
framr-4075	1105	13	,	,	PUNCT
framr-4075	1105	14	ahmed	ahmed	PROPN
framr-4075	1105	15	,	,	PUNCT
framr-4075	1105	16	m.	m.	NOUN
framr-4075	1105	17	m.	m.	NOUN
framr-4075	1105	18	,	,	PUNCT
framr-4075	1105	19	hakeem	hakeem	PROPN
framr-4075	1105	20	,	,	PUNCT
framr-4075	1105	21	o.	o.	PROPN
framr-4075	1105	22	,	,	PUNCT
framr-4075	1105	23	saqib	saqib	NOUN
framr-4075	1105	24	,	,	PUNCT
framr-4075	1105	25	s.	s.	PROPN
framr-4075	1105	26	,	,	PUNCT
framr-4075	1105	27	.	.	PUNCT
framr-4075	1105	28	.	.	PUNCT
framr-4075	1105	29	.	.	PUNCT
framr-4075	1106	1	khan	khan	PROPN
framr-4075	1106	2	,	,	PUNCT
framr-4075	1106	3	m.	m.	NOUN
framr-4075	1106	4	a.	a.	NOUN
framr-4075	1106	5	(	(	PUNCT
framr-4075	1106	6	2020	2020	NUM
framr-4075	1106	7	)	)	PUNCT
framr-4075	1106	8	.	.	PUNCT
framr-4075	1107	1	towards	towards	ADP
framr-4075	1107	2	secure	secure	ADJ
framr-4075	1107	3	fintech	fintech	NOUN
framr-4075	1107	4	:	:	PUNCT
framr-4075	1107	5	a	a	DET
framr-4075	1107	6	survey	survey	NOUN
framr-4075	1107	7	,	,	PUNCT
framr-4075	1107	8	taxonomy	taxonomy	NOUN
framr-4075	1107	9	,	,	PUNCT
framr-4075	1107	10	and	and	CCONJ
framr-4075	1107	11	open	open	ADJ
framr-4075	1107	12	research	research	NOUN
framr-4075	1107	13	challenges	challenge	NOUN
framr-4075	1107	14	.	.	PUNCT
framr-4075	1108	1	leee	leee	PROPN
framr-4075	1108	2	access	access	PROPN
framr-4075	1108	3	,	,	PUNCT
framr-4075	1108	4	8	8	NUM
framr-4075	1108	5	,	,	PUNCT
framr-4075	1108	6	23391	23391	NUM
framr-4075	1108	7	-	-	SYM
framr-4075	1108	8	23406	23406	NUM
framr-4075	1108	9	.	.	PUNCT
framr-4075	1109	1	mention	mention	NOUN
framr-4075	1109	2	,	,	PUNCT
framr-4075	1109	3	a.	a.	NOUN
framr-4075	1109	4	l.	l.	PROPN
framr-4075	1109	5	(	(	PUNCT
framr-4075	1109	6	2019	2019	NUM
framr-4075	1109	7	)	)	PUNCT
framr-4075	1109	8	.	.	PUNCT
framr-4075	1110	1	the	the	DET
framr-4075	1110	2	future	future	NOUN
framr-4075	1110	3	of	of	ADP
framr-4075	1110	4	fintech	fintech	NOUN
framr-4075	1110	5	.	.	PUNCT
framr-4075	1111	1	research	research	NOUN
framr-4075	1111	2	-	-	PUNCT
framr-4075	1111	3	technology	technology	NOUN
framr-4075	1111	4	management	management	NOUN
framr-4075	1111	5	,	,	PUNCT
framr-4075	1111	6	62(4	62(4	NOUN
framr-4075	1111	7	)	)	PUNCT
framr-4075	1111	8	,	,	PUNCT
framr-4075	1111	9	59	59	NUM
framr-4075	1111	10	-	-	SYM
framr-4075	1111	11	63	63	NUM
framr-4075	1111	12	.	.	PUNCT
framr-4075	1112	1	mnohoghitnei	mnohoghitnei	PROPN
framr-4075	1112	2	,	,	PUNCT
framr-4075	1112	3	i.	i.	PROPN
framr-4075	1112	4	,	,	PUNCT
framr-4075	1112	5	scorer	scorer	NOUN
framr-4075	1112	6	,	,	PUNCT
framr-4075	1112	7	s.	s.	PROPN
framr-4075	1112	8	,	,	PUNCT
framr-4075	1112	9	&	&	CCONJ
framr-4075	1112	10	shingala	shingala	PROPN
framr-4075	1112	11	,	,	PUNCT
framr-4075	1112	12	k.	k.	PROPN
framr-4075	1112	13	(	(	PUNCT
framr-4075	1112	14	2019	2019	NUM
framr-4075	1112	15	)	)	PUNCT
framr-4075	1112	16	.	.	PUNCT
framr-4075	1113	1	embracing	embrace	VERB
framr-4075	1113	2	the	the	DET
framr-4075	1113	3	promise	promise	NOUN
framr-4075	1113	4	of	of	ADP
framr-4075	1113	5	fintech	fintech	NOUN
framr-4075	1113	6	.	.	PUNCT
framr-4075	1114	1	bank	bank	PROPN
framr-4075	1114	2	of	of	ADP
framr-4075	1114	3	england	england	PROPN
framr-4075	1114	4	quarterly	quarterly	ADJ
framr-4075	1114	5	bulletin	bulletin	NOUN
framr-4075	1114	6	.	.	PUNCT
framr-4075	1115	1	mohammad	mohammad	PROPN
framr-4075	1115	2	,	,	PUNCT
framr-4075	1115	3	r.	r.	PROPN
framr-4075	1115	4	m.	m.	PROPN
framr-4075	1115	5	,	,	PUNCT
framr-4075	1115	6	thabtah	thabtah	PROPN
framr-4075	1115	7	,	,	PUNCT
framr-4075	1115	8	f.	f.	PROPN
framr-4075	1115	9	,	,	PUNCT
framr-4075	1115	10	&	&	CCONJ
framr-4075	1115	11	mccluskey	mccluskey	PROPN
framr-4075	1115	12	,	,	PUNCT
framr-4075	1115	13	l.	l.	PROPN
framr-4075	1115	14	(	(	PUNCT
framr-4075	1115	15	2015	2015	NUM
framr-4075	1115	16	)	)	PUNCT
framr-4075	1115	17	.	.	PUNCT
framr-4075	1116	1	tutorial	tutorial	NOUN
framr-4075	1116	2	and	and	CCONJ
framr-4075	1116	3	critical	critical	ADJ
framr-4075	1116	4	analysis	analysis	NOUN
framr-4075	1116	5	of	of	ADP
framr-4075	1116	6	phishing	phishe	VERB
framr-4075	1116	7	websites	website	NOUN
framr-4075	1116	8	methods	method	NOUN
framr-4075	1116	9	.	.	PUNCT
framr-4075	1117	1	computer	computer	NOUN
framr-4075	1117	2	science	science	PROPN
framr-4075	1117	3	review	review	PROPN
framr-4075	1117	4	,	,	PUNCT
framr-4075	1117	5	17	17	NUM
framr-4075	1117	6	,	,	PUNCT
framr-4075	1117	7	1	1	NUM
framr-4075	1117	8	-	-	SYM
framr-4075	1117	9	24	24	NUM
framr-4075	1117	10	.	.	PUNCT
framr-4075	1118	1	murinde	murinde	NOUN
framr-4075	1118	2	,	,	PUNCT
framr-4075	1118	3	v.	v.	ADV
framr-4075	1118	4	,	,	PUNCT
framr-4075	1118	5	rizopoulos	rizopoulos	PROPN
framr-4075	1118	6	,	,	PUNCT
framr-4075	1118	7	e.	e.	PROPN
framr-4075	1118	8	,	,	PUNCT
framr-4075	1118	9	&	&	CCONJ
framr-4075	1118	10	zachariadis	zachariadis	PROPN
framr-4075	1118	11	,	,	PUNCT
framr-4075	1118	12	m.	m.	NOUN
framr-4075	1118	13	(	(	PUNCT
framr-4075	1118	14	2022	2022	NUM
framr-4075	1118	15	)	)	PUNCT
framr-4075	1118	16	.	.	PUNCT
framr-4075	1119	1	the	the	DET
framr-4075	1119	2	impact	impact	NOUN
framr-4075	1119	3	of	of	ADP
framr-4075	1119	4	the	the	DET
framr-4075	1119	5	fintech	fintech	NOUN
framr-4075	1119	6	revolution	revolution	NOUN
framr-4075	1119	7	on	on	ADP
framr-4075	1119	8	the	the	DET
framr-4075	1119	9	future	future	NOUN
framr-4075	1119	10	of	of	ADP
framr-4075	1119	11	banking	banking	NOUN
framr-4075	1119	12	:	:	PUNCT
framr-4075	1119	13	opportunities	opportunity	NOUN
framr-4075	1119	14	and	and	CCONJ
framr-4075	1119	15	risks	risk	NOUN
framr-4075	1119	16	.	.	PUNCT
framr-4075	1120	1	international	international	ADJ
framr-4075	1120	2	review	review	NOUN
framr-4075	1120	3	of	of	ADP
framr-4075	1120	4	financial	financial	ADJ
framr-4075	1120	5	analysis	analysis	NOUN
framr-4075	1120	6	,	,	PUNCT
framr-4075	1120	7	81	81	NUM
framr-4075	1120	8	,	,	PUNCT
framr-4075	1120	9	102103	102103	NUM
framr-4075	1120	10	.	.	PUNCT
framr-4075	1121	1	https://doi.org/10.1016/j.irfa.2022.102103	https://doi.org/10.1016/j.irfa.2022.102103	NOUN
framr-4075	1121	2	mustyala	mustyala	NOUN
framr-4075	1121	3	,	,	PUNCT
framr-4075	1121	4	a.	a.	NOUN
framr-4075	1121	5	(	(	PUNCT
framr-4075	1121	6	2023	2023	NUM
framr-4075	1121	7	)	)	PUNCT
framr-4075	1121	8	.	.	PUNCT
framr-4075	1122	1	leveraging	leverage	VERB
framr-4075	1122	2	blockchain	blockchain	PROPN
framr-4075	1122	3	for	for	ADP
framr-4075	1122	4	fraud	fraud	NOUN
framr-4075	1122	5	risk	risk	NOUN
framr-4075	1122	6	reduction	reduction	NOUN
framr-4075	1122	7	in	in	ADP
framr-4075	1122	8	fintech	fintech	NOUN
framr-4075	1122	9	:	:	PUNCT
framr-4075	1122	10	infrastructure	infrastructure	NOUN
framr-4075	1122	11	setup	setup	NOUN
framr-4075	1122	12	and	and	CCONJ
framr-4075	1122	13	migration	migration	NOUN
framr-4075	1122	14	strategies	strategy	NOUN
framr-4075	1122	15	.	.	PUNCT
framr-4075	1123	1	eph	eph	PROPN
framr-4075	1123	2	-	-	PUNCT
framr-4075	1123	3	international	international	PROPN
framr-4075	1123	4	journal	journal	NOUN
framr-4075	1123	5	of	of	ADP
framr-4075	1123	6	science	science	NOUN
framr-4075	1123	7	and	and	CCONJ
framr-4075	1123	8	engineering	engineering	NOUN
framr-4075	1123	9	,	,	PUNCT
framr-4075	1123	10	9(2	9(2	NUM
framr-4075	1123	11	)	)	PUNCT
framr-4075	1123	12	,	,	PUNCT
framr-4075	1123	13	1	1	NUM
framr-4075	1123	14	-	-	SYM
framr-4075	1123	15	10	10	NUM
framr-4075	1123	16	.	.	PUNCT
framr-4075	1124	1	navaretti	navaretti	PROPN
framr-4075	1124	2	,	,	PUNCT
framr-4075	1124	3	g.	g.	PROPN
framr-4075	1124	4	b.	b.	PROPN
framr-4075	1124	5	,	,	PUNCT
framr-4075	1124	6	calzolari	calzolari	PROPN
framr-4075	1124	7	,	,	PUNCT
framr-4075	1124	8	g.	g.	PROPN
framr-4075	1124	9	,	,	PUNCT
framr-4075	1124	10	mansilla	mansilla	NOUN
framr-4075	1124	11	-	-	PUNCT
framr-4075	1124	12	fernandez	fernandez	PROPN
framr-4075	1124	13	,	,	PUNCT
framr-4075	1124	14	j.	j.	PROPN
framr-4075	1124	15	m.	m.	PROPN
framr-4075	1124	16	,	,	PUNCT
framr-4075	1124	17	&	&	CCONJ
framr-4075	1124	18	pozzolo	pozzolo	PROPN
framr-4075	1124	19	,	,	PUNCT
framr-4075	1124	20	a.	a.	PROPN
framr-4075	1124	21	f.	f.	PROPN
framr-4075	1124	22	(	(	PUNCT
framr-4075	1124	23	2018	2018	NUM
framr-4075	1124	24	)	)	PUNCT
framr-4075	1124	25	.	.	PUNCT
framr-4075	1125	1	fintech	fintech	NOUN
framr-4075	1125	2	and	and	CCONJ
framr-4075	1125	3	banking	banking	NOUN
framr-4075	1125	4	.	.	PUNCT
framr-4075	1126	1	friends	friend	NOUN
framr-4075	1126	2	or	or	CCONJ
framr-4075	1126	3	foes	foe	NOUN
framr-4075	1126	4	.	.	PUNCT
framr-4075	1127	1	nelaturu	nelaturu	ADV
framr-4075	1127	2	,	,	PUNCT
framr-4075	1127	3	k.	k.	PROPN
framr-4075	1127	4	,	,	PUNCT
framr-4075	1127	5	du	du	PROPN
framr-4075	1127	6	,	,	PUNCT
framr-4075	1127	7	h.	h.	PROPN
framr-4075	1127	8	,	,	PUNCT
framr-4075	1127	9	&	&	CCONJ
framr-4075	1127	10	le	le	PROPN
framr-4075	1127	11	,	,	PUNCT
framr-4075	1127	12	d.-p	d.-p	PROPN
framr-4075	1127	13	.	.	PUNCT
framr-4075	1128	1	(	(	PUNCT
framr-4075	1128	2	2022	2022	NUM
framr-4075	1128	3	)	)	PUNCT
framr-4075	1128	4	.	.	PUNCT
framr-4075	1129	1	a	a	DET
framr-4075	1129	2	review	review	NOUN
framr-4075	1129	3	of	of	ADP
framr-4075	1129	4	blockchain	blockchain	PROPN
framr-4075	1129	5	in	in	ADP
framr-4075	1129	6	fintech	fintech	NOUN
framr-4075	1129	7	:	:	PUNCT
framr-4075	1129	8	taxonomy	taxonomy	NOUN
framr-4075	1129	9	,	,	PUNCT
framr-4075	1129	10	challenges	challenge	NOUN
framr-4075	1129	11	,	,	PUNCT
framr-4075	1129	12	and	and	CCONJ
framr-4075	1129	13	future	future	ADJ
framr-4075	1129	14	directions	direction	NOUN
framr-4075	1129	15	.	.	PUNCT
framr-4075	1130	1	cryptography	cryptography	NOUN
framr-4075	1130	2	,	,	PUNCT
framr-4075	1130	3	6(2	6(2	NUM
framr-4075	1130	4	)	)	PUNCT
framr-4075	1130	5	,	,	PUNCT
framr-4075	1130	6	18	18	NUM
framr-4075	1130	7	.	.	PUNCT
framr-4075	1130	8	nguyen	nguyen	PROPN
framr-4075	1130	9	,	,	PUNCT
framr-4075	1130	10	q.	q.	PROPN
framr-4075	1130	11	k.	k.	PROPN
framr-4075	1130	12	(	(	PUNCT
framr-4075	1130	13	2022	2022	NUM
framr-4075	1130	14	)	)	PUNCT
framr-4075	1130	15	.	.	PUNCT
framr-4075	1131	1	the	the	DET
framr-4075	1131	2	effect	effect	NOUN
framr-4075	1131	3	of	of	ADP
framr-4075	1131	4	fintech	fintech	NOUN
framr-4075	1131	5	development	development	NOUN
framr-4075	1131	6	on	on	ADP
framr-4075	1131	7	financial	financial	ADJ
framr-4075	1131	8	stability	stability	NOUN
framr-4075	1131	9	in	in	ADP
framr-4075	1131	10	an	an	DET
framr-4075	1131	11	emerging	emerge	VERB
framr-4075	1131	12	market	market	NOUN
framr-4075	1131	13	:	:	PUNCT
framr-4075	1131	14	the	the	DET
framr-4075	1131	15	role	role	NOUN
framr-4075	1131	16	of	of	ADP
framr-4075	1131	17	market	market	NOUN
framr-4075	1131	18	discipline	discipline	NOUN
framr-4075	1131	19	.	.	PUNCT
framr-4075	1132	1	research	research	NOUN
framr-4075	1132	2	in	in	ADP
framr-4075	1132	3	globalization	globalization	NOUN
framr-4075	1132	4	,	,	PUNCT
framr-4075	1132	5	5	5	NUM
framr-4075	1132	6	,	,	PUNCT
framr-4075	1132	7	100105	100105	NUM
framr-4075	1132	8	.	.	PUNCT
framr-4075	1133	1	https://doi.org/10.1016/j.resglo.2022.100105	https://doi.org/10.1016/j.resglo.2022.100105	PROPN
framr-4075	1133	2	nicholls	nicholls	PROPN
framr-4075	1133	3	,	,	PUNCT
framr-4075	1133	4	j.	j.	PROPN
framr-4075	1133	5	,	,	PUNCT
framr-4075	1133	6	kuppa	kuppa	PROPN
framr-4075	1133	7	,	,	PUNCT
framr-4075	1133	8	a.	a.	PROPN
framr-4075	1133	9	,	,	PUNCT
framr-4075	1133	10	&	&	CCONJ
framr-4075	1133	11	le	le	PROPN
framr-4075	1133	12	-	-	PUNCT
framr-4075	1133	13	khac	khac	NOUN
framr-4075	1133	14	,	,	PUNCT
framr-4075	1133	15	n.-a	n.-a	NOUN
framr-4075	1133	16	.	.	PUNCT
framr-4075	1133	17	(	(	PUNCT
framr-4075	1133	18	2021	2021	NUM
framr-4075	1133	19	)	)	PUNCT
framr-4075	1133	20	.	.	PUNCT
framr-4075	1134	1	financial	financial	ADJ
framr-4075	1134	2	cybercrime	cybercrime	NOUN
framr-4075	1134	3	:	:	PUNCT
framr-4075	1134	4	a	a	DET
framr-4075	1134	5	comprehensive	comprehensive	ADJ
framr-4075	1134	6	survey	survey	NOUN
framr-4075	1134	7	of	of	ADP
framr-4075	1134	8	deep	deep	ADJ
framr-4075	1134	9	learning	learning	NOUN
framr-4075	1134	10	approaches	approach	NOUN
framr-4075	1134	11	to	to	PART
framr-4075	1134	12	tackle	tackle	VERB
framr-4075	1134	13	the	the	DET
framr-4075	1134	14	evolving	evolve	VERB
framr-4075	1134	15	financial	financial	ADJ
framr-4075	1134	16	crime	crime	NOUN
framr-4075	1134	17	landscape	landscape	NOUN
framr-4075	1134	18	.	.	PUNCT
framr-4075	1135	1	leee	leee	PROPN
framr-4075	1135	2	access	access	PROPN
framr-4075	1135	3	,	,	PUNCT
framr-4075	1135	4	9	9	NUM
framr-4075	1135	5	,	,	PUNCT
framr-4075	1135	6	163965	163965	NUM
framr-4075	1135	7	-	-	SYM
framr-4075	1135	8	163986	163986	NUM
framr-4075	1135	9	.	.	PUNCT
framr-4075	1136	1	https://doi.org/10.1109/access.2021.3134076	https://doi.org/10.1109/access.2021.3134076	PROPN
framr-4075	1136	2	nikkel	nikkel	PROPN
framr-4075	1136	3	,	,	PUNCT
framr-4075	1136	4	b.	b.	PROPN
framr-4075	1136	5	(	(	PUNCT
framr-4075	1136	6	2020	2020	NUM
framr-4075	1136	7	)	)	PUNCT
framr-4075	1136	8	.	.	PUNCT
framr-4075	1137	1	fintech	fintech	NOUN
framr-4075	1137	2	forensics	forensic	NOUN
framr-4075	1137	3	:	:	PUNCT
framr-4075	1137	4	criminal	criminal	ADJ
framr-4075	1137	5	investigation	investigation	NOUN
framr-4075	1137	6	and	and	CCONJ
framr-4075	1137	7	digital	digital	ADJ
framr-4075	1137	8	evidence	evidence	NOUN
framr-4075	1137	9	in	in	ADP
framr-4075	1137	10	financial	financial	ADJ
framr-4075	1137	11	technologies	technology	NOUN
framr-4075	1137	12	.	.	PUNCT
framr-4075	1138	1	forensic	forensic	ADJ
framr-4075	1138	2	science	science	PROPN
framr-4075	1138	3	international	international	PROPN
framr-4075	1138	4	:	:	PUNCT
framr-4075	1138	5	digital	digital	ADJ
framr-4075	1138	6	investigation	investigation	NOUN
framr-4075	1138	7	,	,	PUNCT
framr-4075	1138	8	33	33	NUM
framr-4075	1138	9	,	,	PUNCT
framr-4075	1138	10	200908	200908	NUM
framr-4075	1138	11	.	.	PUNCT
framr-4075	1139	1	https://doi.org/10.1016/j.fsidi.2020.200908	https://doi.org/10.1016/j.fsidi.2020.200908	PROPN
framr-4075	1139	2	noul	noul	PROPN
framr-4075	1139	3	,	,	PUNCT
framr-4075	1139	4	u.	u.	PROPN
framr-4075	1139	5	,	,	PUNCT
framr-4075	1139	6	&	&	CCONJ
framr-4075	1139	7	hussain	hussain	PROPN
framr-4075	1139	8	,	,	PUNCT
framr-4075	1139	9	r.	r.	PROPN
framr-4075	1139	10	(	(	PUNCT
framr-4075	1139	11	2024	2024	NUM
framr-4075	1139	12	)	)	PUNCT
framr-4075	1139	13	.	.	PUNCT
framr-4075	1140	1	innovative	innovative	ADJ
framr-4075	1140	2	fintech	fintech	NOUN
framr-4075	1140	3	security	security	NOUN
framr-4075	1140	4	:	:	PUNCT
framr-4075	1140	5	federated	federated	ADJ
framr-4075	1140	6	learning	learning	NOUN
framr-4075	1140	7	and	and	CCONJ
framr-4075	1140	8	anomaly	anomaly	NOUN
framr-4075	1140	9	detection	detection	NOUN
framr-4075	1140	10	techniques	technique	NOUN
framr-4075	1140	11	.	.	PUNCT
framr-4075	1141	1	unpublished	unpublished	ADJ
framr-4075	1141	2	.	.	PUNCT
framr-4075	1142	1	https://doi.org/10.13140/rg.2.2.17108.62083	https://doi.org/10.13140/rg.2.2.17108.62083	PROPN
framr-4075	1142	2	https://doi.org/10.1016/j.latcb.2021.100037	https://doi.org/10.1016/j.latcb.2021.100037	PROPN
framr-4075	1142	3	https://doi.org/10.15728/bbr.2021.18.1.1	https://doi.org/10.15728/bbr.2021.18.1.1	X
framr-4075	1142	4	https://www.mckinsey.com/~/media/mckinsey/business%20functions/risk/our%20insights/financial%20crime%20and%20fraud%20in%20the%20age%20of%20cybersecurity/financial-crime-and-fraud-in-the-age-of-cybersecurity.pdf#:~:text=url%3a%20https%3a%2f%2fwww.mckinsey.com%2f~%2fmedia%2fmckinsey%2fbusiness%2520functions%2frisk%2four%2520insights%2ffinancial%2520crime%2520and%2520fraud%2520in%2520the%2520age%2520of%2520cybersecurity%2ffinancial	https://www.mckinsey.com/~/media/mckinsey/business%20functions/risk/our%20insights/financial%20crime%20and%20fraud%20in%20the%20age%20of%20cybersecurity/financial-crime-and-fraud-in-the-age-of-cybersecurity.pdf#:~:text=url%3a%20https%3a%2f%2fwww.mckinsey.com%2f~%2fmedia%2fmckinsey%2fbusiness%2520functions%2frisk%2four%2520insights%2ffinancial%2520crime%2520and%2520fraud%2520in%2520the%2520age%2520of%2520cybersecurity%2ffinancial	ADJ
framr-4075	1142	5	https://www.mckinsey.com/~/media/mckinsey/business%20functions/risk/our%20insights/financial%20crime%20and%20fraud%20in%20the%20age%20of%20cybersecurity/financial-crime-and-fraud-in-the-age-of-cybersecurity.pdf#:~:text=url%3a%20https%3a%2f%2fwww.mckinsey.com%2f~%2fmedia%2fmckinsey%2fbusiness%2520functions%2frisk%2four%2520insights%2ffinancial%2520crime%2520and%2520fraud%2520in%2520the%2520age%2520of%2520cybersecurity%2ffinancial	https://www.mckinsey.com/~/media/mckinsey/business%20functions/risk/our%20insights/financial%20crime%20and%20fraud%20in%20the%20age%20of%20cybersecurity/financial-crime-and-fraud-in-the-age-of-cybersecurity.pdf#:~:text=url%3a%20https%3a%2f%2fwww.mckinsey.com%2f~%2fmedia%2fmckinsey%2fbusiness%2520functions%2frisk%2four%2520insights%2ffinancial%2520crime%2520and%2520fraud%2520in%2520the%2520age%2520of%2520cybersecurity%2ffinancial	ADJ
framr-4075	1142	6	https://www.mckinsey.com/~/media/mckinsey/business%20functions/risk/our%20insights/financial%20crime%20and%20fraud%20in%20the%20age%20of%20cybersecurity/financial-crime-and-fraud-in-the-age-of-cybersecurity.pdf#:~:text=url%3a%20https%3a%2f%2fwww.mckinsey.com%2f~%2fmedia%2fmckinsey%2fbusiness%2520functions%2frisk%2four%2520insights%2ffinancial%2520crime%2520and%2520fraud%2520in%2520the%2520age%2520of%2520cybersecurity%2ffinancial	https://www.mckinsey.com/~/media/mckinsey/business%20functions/risk/our%20insights/financial%20crime%20and%20fraud%20in%20the%20age%20of%20cybersecurity/financial-crime-and-fraud-in-the-age-of-cybersecurity.pdf#:~:text=url%3a%20https%3a%2f%2fwww.mckinsey.com%2f~%2fmedia%2fmckinsey%2fbusiness%2520functions%2frisk%2four%2520insights%2ffinancial%2520crime%2520and%2520fraud%2520in%2520the%2520age%2520of%2520cybersecurity%2ffinancial	ADJ
framr-4075	1142	7	https://www.mckinsey.com/~/media/mckinsey/business%20functions/risk/our%20insights/financial%20crime%20and%20fraud%20in%20the%20age%20of%20cybersecurity/financial-crime-and-fraud-in-the-age-of-cybersecurity.pdf#:~:text=url%3a%20https%3a%2f%2fwww.mckinsey.com%2f~%2fmedia%2fmckinsey%2fbusiness%2520functions%2frisk%2four%2520insights%2ffinancial%2520crime%2520and%2520fraud%2520in%2520the%2520age%2520of%2520cybersecurity%2ffinancial	https://www.mckinsey.com/~/media/mckinsey/business%20functions/risk/our%20insights/financial%20crime%20and%20fraud%20in%20the%20age%20of%20cybersecurity/financial-crime-and-fraud-in-the-age-of-cybersecurity.pdf#:~:text=url%3a%20https%3a%2f%2fwww.mckinsey.com%2f~%2fmedia%2fmckinsey%2fbusiness%2520functions%2frisk%2four%2520insights%2ffinancial%2520crime%2520and%2520fraud%2520in%2520the%2520age%2520of%2520cybersecurity%2ffinancial	ADJ
framr-4075	1142	8	https://www.mckinsey.com/~/media/mckinsey/business%20functions/risk/our%20insights/financial%20crime%20and%20fraud%20in%20the%20age%20of%20cybersecurity/financial-crime-and-fraud-in-the-age-of-cybersecurity.pdf#:~:text=url%3a%20https%3a%2f%2fwww.mckinsey.com%2f~%2fmedia%2fmckinsey%2fbusiness%2520functions%2frisk%2four%2520insights%2ffinancial%2520crime%2520and%2520fraud%2520in%2520the%2520age%2520of%2520cybersecurity%2ffinancial	https://www.mckinsey.com/~/media/mckinsey/business%20functions/risk/our%20insights/financial%20crime%20and%20fraud%20in%20the%20age%20of%20cybersecurity/financial-crime-and-fraud-in-the-age-of-cybersecurity.pdf#:~:text=url%3a%20https%3a%2f%2fwww.mckinsey.com%2f~%2fmedia%2fmckinsey%2fbusiness%2520functions%2frisk%2four%2520insights%2ffinancial%2520crime%2520and%2520fraud%2520in%2520the%2520age%2520of%2520cybersecurity%2ffinancial	ADJ
framr-4075	1142	9	https://www.mckinsey.com/capabilities/risk-and-resilience/our-insights/managing-financial-crime-risk-in-digital-payments	https://www.mckinsey.com/capabilities/risk-and-resilience/our-insights/managing-financial-crime-risk-in-digital-payment	NOUN
framr-4075	1142	10	https://www.mckinsey.com/capabilities/risk-and-resilience/our-insights/managing-financial-crime-risk-in-digital-payments	https://www.mckinsey.com/capabilities/risk-and-resilience/our-insights/managing-financial-crime-risk-in-digital-payment	NOUN
framr-4075	1142	11	https://doi.org/10.1016/j.irfa.2022.102103	https://doi.org/10.1016/j.irfa.2022.102103	PROPN
framr-4075	1142	12	https://doi.org/10.1016/j.resglo.2022.100105	https://doi.org/10.1016/j.resglo.2022.100105	PROPN
framr-4075	1142	13	https://doi.org/10.1109/access.2021.3134076	https://doi.org/10.1109/access.2021.3134076	PROPN
framr-4075	1142	14	https://doi.org/10.1016/j.fsidi.2020.200908	https://doi.org/10.1016/j.fsidi.2020.200908	PROPN
framr-4075	1142	15	https://doi.org/10.13140/rg.2.2.17108.62083	https://doi.org/10.13140/rg.2.2.17108.62083	PROPN
framr-4075	1142	16	financial	financial	ADJ
framr-4075	1142	17	risk	risk	NOUN
framr-4075	1142	18	and	and	CCONJ
framr-4075	1142	19	management	management	NOUN
framr-4075	1142	20	reviews	review	NOUN
framr-4075	1142	21	,	,	PUNCT
framr-4075	1142	22	2025	2025	NUM
framr-4075	1142	23	,	,	PUNCT
framr-4075	1142	24	11(1	11(1	NUM
framr-4075	1142	25	):	):	PUNCT
framr-4075	1142	26	1	1	NUM
framr-4075	1142	27	-	-	SYM
framr-4075	1142	28	36	36	NUM
framr-4075	1142	29	34	34	NUM
framr-4075	1142	30	©	©	PROPN
framr-4075	1142	31	2025	2025	NUM
framr-4075	1142	32	conscientia	conscientia	PROPN
framr-4075	1142	33	beam	beam	PROPN
framr-4075	1142	34	.	.	PUNCT
framr-4075	1143	1	all	all	DET
framr-4075	1143	2	rights	right	NOUN
framr-4075	1143	3	reserved	reserve	VERB
framr-4075	1143	4	.	.	PUNCT
framr-4075	1144	1	nüesch	nüesch	PROPN
framr-4075	1144	2	,	,	PUNCT
framr-4075	1144	3	r.	r.	PROPN
framr-4075	1144	4	,	,	PUNCT
framr-4075	1144	5	alt	alt	PROPN
framr-4075	1144	6	,	,	PUNCT
framr-4075	1144	7	r.	r.	PROPN
framr-4075	1144	8	,	,	PUNCT
framr-4075	1144	9	&	&	CCONJ
framr-4075	1144	10	puschmann	puschmann	PROPN
framr-4075	1144	11	,	,	PUNCT
framr-4075	1144	12	t.	t.	PROPN
framr-4075	1144	13	(	(	PUNCT
framr-4075	1144	14	2015	2015	NUM
framr-4075	1144	15	)	)	PUNCT
framr-4075	1144	16	.	.	PUNCT
framr-4075	1145	1	hybrid	hybrid	ADJ
framr-4075	1145	2	customer	customer	NOUN
framr-4075	1145	3	interaction	interaction	NOUN
framr-4075	1145	4	.	.	PUNCT
framr-4075	1146	1	business	business	NOUN
framr-4075	1146	2	&	&	CCONJ
framr-4075	1146	3	information	information	PROPN
framr-4075	1146	4	systems	system	NOUN
framr-4075	1146	5	engineering	engineering	NOUN
framr-4075	1146	6	,	,	PUNCT
framr-4075	1146	7	57	57	NUM
framr-4075	1146	8	,	,	PUNCT
framr-4075	1146	9	73	73	NUM
framr-4075	1146	10	-	-	SYM
framr-4075	1146	11	78	78	NUM
framr-4075	1146	12	.	.	PUNCT
framr-4075	1147	1	https://doi.org/10.1007/s12599-014-0366-9	https://doi.org/10.1007/s12599-014-0366-9	NUM
framr-4075	1147	2	nvidia	nvidia	PROPN
framr-4075	1147	3	.	.	PUNCT
framr-4075	1148	1	(	(	PUNCT
framr-4075	1148	2	2022	2022	NUM
framr-4075	1148	3	)	)	PUNCT
framr-4075	1148	4	.	.	PUNCT
framr-4075	1149	1	featurespace	featurespace	PROPN
framr-4075	1149	2	blocks	block	VERB
framr-4075	1149	3	fraud	fraud	NOUN
framr-4075	1149	4	attacks	attack	NOUN
framr-4075	1149	5	for	for	ADP
framr-4075	1149	6	financial	financial	ADJ
framr-4075	1149	7	institutions	institution	NOUN
framr-4075	1149	8	with	with	ADP
framr-4075	1149	9	ai	ai	ADP
framr-4075	1149	10	and	and	CCONJ
framr-4075	1149	11	nvidia	nvidia	PROPN
framr-4075	1149	12	gpus	gpu	NOUN
framr-4075	1149	13	.	.	PUNCT
framr-4075	1150	1	retrieved	retrieve	VERB
framr-4075	1150	2	from	from	ADP
framr-4075	1150	3	https://blogs.nvidia.com/blog/featurespace-blocks-financial-fraud/	https://blogs.nvidia.com/blog/featurespace-blocks-financial-fraud/	PROPN
framr-4075	1150	4	o'kane	o'kane	PROPN
framr-4075	1150	5	,	,	PUNCT
framr-4075	1150	6	p.	p.	PROPN
framr-4075	1150	7	,	,	PUNCT
framr-4075	1150	8	sezer	sezer	PROPN
framr-4075	1150	9	,	,	PUNCT
framr-4075	1150	10	s.	s.	PROPN
framr-4075	1150	11	,	,	PUNCT
framr-4075	1150	12	&	&	CCONJ
framr-4075	1150	13	carlin	carlin	PROPN
framr-4075	1150	14	,	,	PUNCT
framr-4075	1150	15	d.	d.	PROPN
framr-4075	1150	16	(	(	PUNCT
framr-4075	1150	17	2018	2018	NUM
framr-4075	1150	18	)	)	PUNCT
framr-4075	1150	19	.	.	PUNCT
framr-4075	1151	1	evolution	evolution	NOUN
framr-4075	1151	2	of	of	ADP
framr-4075	1151	3	ransomware	ransomware	NOUN
framr-4075	1151	4	.	.	PUNCT
framr-4075	1152	1	let	let	VERB
framr-4075	1152	2	networks	network	NOUN
framr-4075	1152	3	,	,	PUNCT
framr-4075	1152	4	7(5	7(5	NUM
framr-4075	1152	5	)	)	PUNCT
framr-4075	1152	6	,	,	PUNCT
framr-4075	1152	7	321	321	NUM
framr-4075	1152	8	-	-	SYM
framr-4075	1152	9	327	327	NUM
framr-4075	1152	10	.	.	PUNCT
framr-4075	1153	1	okunleye	okunleye	ADJ
framr-4075	1153	2	,	,	PUNCT
framr-4075	1153	3	o.	o.	PROPN
framr-4075	1153	4	(	(	PUNCT
framr-4075	1153	5	2024	2024	NUM
framr-4075	1153	6	)	)	PUNCT
framr-4075	1153	7	.	.	PUNCT
framr-4075	1154	1	the	the	DET
framr-4075	1154	2	role	role	NOUN
framr-4075	1154	3	of	of	ADP
framr-4075	1154	4	information	information	NOUN
framr-4075	1154	5	governance	governance	NOUN
framr-4075	1154	6	in	in	ADP
framr-4075	1154	7	mitigating	mitigate	VERB
framr-4075	1154	8	financial	financial	ADJ
framr-4075	1154	9	crime	crime	NOUN
framr-4075	1154	10	risks	risk	NOUN
framr-4075	1154	11	in	in	ADP
framr-4075	1154	12	stablecoin	stablecoin	NOUN
framr-4075	1154	13	transactions	transaction	NOUN
framr-4075	1154	14	.	.	PUNCT
framr-4075	1155	1	journal	journal	NOUN
framr-4075	1155	2	of	of	ADP
framr-4075	1155	3	engineering	engineering	NOUN
framr-4075	1155	4	research	research	NOUN
framr-4075	1155	5	and	and	CCONJ
framr-4075	1155	6	reports	report	NOUN
framr-4075	1155	7	,	,	PUNCT
framr-4075	1155	8	26(7	26(7	NOUN
framr-4075	1155	9	)	)	PUNCT
framr-4075	1155	10	,	,	PUNCT
framr-4075	1155	11	317	317	NUM
framr-4075	1155	12	-	-	SYM
framr-4075	1155	13	333	333	NUM
framr-4075	1155	14	.	.	PUNCT
framr-4075	1156	1	https://doi.org/10.9734/jerr/2024/v26i71212	https://doi.org/10.9734/jerr/2024/v26i71212	ADJ
framr-4075	1156	2	omolara	omolara	NOUN
framr-4075	1156	3	,	,	PUNCT
framr-4075	1156	4	p.	p.	PROPN
framr-4075	1156	5	o.	o.	PROPN
framr-4075	1156	6	,	,	PUNCT
framr-4075	1156	7	temitayo	temitayo	PROPN
framr-4075	1156	8	,	,	PUNCT
framr-4075	1156	9	o.	o.	NOUN
framr-4075	1156	10	a.	a.	PROPN
framr-4075	1156	11	,	,	PUNCT
framr-4075	1156	12	azeez	azeez	NOUN
framr-4075	1156	13	,	,	PUNCT
framr-4075	1156	14	a.	a.	NOUN
framr-4075	1156	15	a.	a.	PROPN
framr-4075	1156	16	,	,	PUNCT
framr-4075	1156	17	fehintola	fehintola	PROPN
framr-4075	1156	18	,	,	PUNCT
framr-4075	1156	19	m.	m.	NOUN
framr-4075	1156	20	s.	s.	PROPN
framr-4075	1156	21	,	,	PUNCT
framr-4075	1156	22	oluwaseun	oluwaseun	PROPN
framr-4075	1156	23	,	,	PUNCT
framr-4075	1156	24	a.	a.	NOUN
framr-4075	1156	25	a.	a.	PROPN
framr-4075	1156	26	,	,	PUNCT
framr-4075	1156	27	&	&	CCONJ
framr-4075	1156	28	paschal	paschal	PROPN
framr-4075	1156	29	,	,	PUNCT
framr-4075	1156	30	m.	m.	PROPN
framr-4075	1156	31	e.	e.	PROPN
framr-4075	1156	32	(	(	PUNCT
framr-4075	1156	33	2024	2024	NUM
framr-4075	1156	34	)	)	PUNCT
framr-4075	1156	35	.	.	PUNCT
framr-4075	1157	1	encryption	encryption	NOUN
framr-4075	1157	2	techniques	technique	NOUN
framr-4075	1157	3	for	for	ADP
framr-4075	1157	4	financial	financial	ADJ
framr-4075	1157	5	data	datum	NOUN
framr-4075	1157	6	security	security	NOUN
framr-4075	1157	7	in	in	ADP
framr-4075	1157	8	fintech	fintech	NOUN
framr-4075	1157	9	applications	application	NOUN
framr-4075	1157	10	.	.	PUNCT
framr-4075	1158	1	international	international	ADJ
framr-4075	1158	2	journal	journal	PROPN
framr-4075	1158	3	of	of	ADP
framr-4075	1158	4	science	science	NOUN
framr-4075	1158	5	and	and	CCONJ
framr-4075	1158	6	research	research	NOUN
framr-4075	1158	7	archive	archive	NOUN
framr-4075	1158	8	,	,	PUNCT
framr-4075	1158	9	12(1	12(1	NUM
framr-4075	1158	10	)	)	PUNCT
framr-4075	1158	11	,	,	PUNCT
framr-4075	1158	12	2942–2949	2942–2949	NUM
framr-4075	1158	13	.	.	PUNCT
framr-4075	1159	1	https://doi.org/10.30574/ijsra.2024.12.1.1210	https://doi.org/10.30574/ijsra.2024.12.1.1210	VERB
framr-4075	1159	2	oseremi	oseremi	NOUN
framr-4075	1159	3	,	,	PUNCT
framr-4075	1159	4	o.-o	o.-o	NOUN
framr-4075	1159	5	.	.	PUNCT
framr-4075	1159	6	,	,	PUNCT
framr-4075	1159	7	yinka	yinka	PROPN
framr-4075	1159	8	,	,	PUNCT
framr-4075	1159	9	j.	j.	PROPN
framr-4075	1159	10	o.	o.	PROPN
framr-4075	1159	11	,	,	PUNCT
framr-4075	1159	12	nsisong	nsisong	PROPN
framr-4075	1159	13	,	,	PUNCT
framr-4075	1159	14	l.	l.	PROPN
framr-4075	1159	15	e.-u	e.-u	PROPN
framr-4075	1159	16	.	.	PUNCT
framr-4075	1159	17	,	,	PUNCT
framr-4075	1159	18	&	&	CCONJ
framr-4075	1159	19	damilola	damilola	PROPN
framr-4075	1159	20	,	,	PUNCT
framr-4075	1159	21	o.	o.	NOUN
framr-4075	1159	22	o.	o.	PROPN
framr-4075	1159	23	(	(	PUNCT
framr-4075	1159	24	2024	2024	NUM
framr-4075	1159	25	)	)	PUNCT
framr-4075	1159	26	.	.	PUNCT
framr-4075	1160	1	ai	ai	VERB
framr-4075	1160	2	-	-	PUNCT
framr-4075	1160	3	driven	drive	VERB
framr-4075	1160	4	biometrics	biometric	NOUN
framr-4075	1160	5	for	for	ADP
framr-4075	1160	6	secure	secure	ADJ
framr-4075	1160	7	fintech	fintech	NOUN
framr-4075	1160	8	:	:	PUNCT
framr-4075	1160	9	pioneering	pioneer	VERB
framr-4075	1160	10	safety	safety	NOUN
framr-4075	1160	11	and	and	CCONJ
framr-4075	1160	12	trust	trust	NOUN
framr-4075	1160	13	.	.	PUNCT
framr-4075	1161	1	international	international	ADJ
framr-4075	1161	2	journal	journal	PROPN
framr-4075	1161	3	of	of	ADP
framr-4075	1161	4	engineering	engineering	NOUN
framr-4075	1161	5	research	research	NOUN
framr-4075	1161	6	updates	update	NOUN
framr-4075	1161	7	,	,	PUNCT
framr-4075	1161	8	6(2	6(2	NUM
framr-4075	1161	9	)	)	PUNCT
framr-4075	1161	10	,	,	PUNCT
framr-4075	1161	11	001–012	001–012	NUM
framr-4075	1161	12	.	.	PUNCT
framr-4075	1162	1	https://doi.org/10.53430/ijeru.2024.6.2.0023	https://doi.org/10.53430/ijeru.2024.6.2.0023	NUM
framr-4075	1162	2	palmer	palmer	PROPN
framr-4075	1162	3	,	,	PUNCT
framr-4075	1162	4	d.	d.	PROPN
framr-4075	1162	5	(	(	PUNCT
framr-4075	1162	6	2008	2008	NUM
framr-4075	1162	7	)	)	PUNCT
framr-4075	1162	8	.	.	PUNCT
framr-4075	1163	1	extending	extend	VERB
framr-4075	1163	2	the	the	DET
framr-4075	1163	3	process	process	NOUN
framr-4075	1163	4	model	model	NOUN
framr-4075	1163	5	of	of	ADP
framr-4075	1163	6	collective	collective	ADJ
framr-4075	1163	7	corruption	corruption	NOUN
framr-4075	1163	8	.	.	PUNCT
framr-4075	1164	1	research	research	NOUN
framr-4075	1164	2	in	in	ADP
framr-4075	1164	3	organizational	organizational	ADJ
framr-4075	1164	4	behavior	behavior	NOUN
framr-4075	1164	5	,	,	PUNCT
framr-4075	1164	6	28	28	NUM
framr-4075	1164	7	,	,	PUNCT
framr-4075	1164	8	107	107	NUM
framr-4075	1164	9	-	-	SYM
framr-4075	1164	10	135	135	NUM
framr-4075	1164	11	.	.	PUNCT
framr-4075	1165	1	panisi	panisi	VERB
framr-4075	1165	2	,	,	PUNCT
framr-4075	1165	3	f.	f.	PROPN
framr-4075	1165	4	(	(	PUNCT
framr-4075	1165	5	2017	2017	NUM
framr-4075	1165	6	)	)	PUNCT
framr-4075	1165	7	.	.	PUNCT
framr-4075	1166	1	blockchain	blockchain	PROPN
framr-4075	1166	2	and	and	CCONJ
framr-4075	1166	3	smart	smart	ADJ
framr-4075	1166	4	contracts	contract	NOUN
framr-4075	1166	5	:	:	PUNCT
framr-4075	1166	6	fintech	fintech	NOUN
framr-4075	1166	7	innovations	innovation	NOUN
framr-4075	1166	8	to	to	PART
framr-4075	1166	9	reduce	reduce	VERB
framr-4075	1166	10	the	the	DET
framr-4075	1166	11	costs	cost	NOUN
framr-4075	1166	12	of	of	ADP
framr-4075	1166	13	trust	trust	NOUN
framr-4075	1166	14	.	.	PUNCT
framr-4075	1167	1	ssrn	ssrn	PROPN
framr-4075	1167	2	electronic	electronic	ADJ
framr-4075	1167	3	journal	journal	PROPN
framr-4075	1167	4	.	.	PUNCT
framr-4075	1168	1	https://doi.org/10.2139/ssrn.3066543	https://doi.org/10.2139/ssrn.3066543	ADJ
framr-4075	1168	2	pant	pant	NOUN
framr-4075	1168	3	,	,	PUNCT
framr-4075	1168	4	s.	s.	PROPN
framr-4075	1168	5	k.	k.	PROPN
framr-4075	1168	6	(	(	PUNCT
framr-4075	1168	7	2020	2020	NUM
framr-4075	1168	8	)	)	PUNCT
framr-4075	1168	9	.	.	PUNCT
framr-4075	1169	1	fintech	fintech	NOUN
framr-4075	1169	2	:	:	PUNCT
framr-4075	1169	3	emerging	emerge	VERB
framr-4075	1169	4	trends	trend	NOUN
framr-4075	1169	5	.	.	PUNCT
framr-4075	1170	1	telecom	telecom	PROPN
framr-4075	1170	2	business	business	PROPN
framr-4075	1170	3	review	review	PROPN
framr-4075	1170	4	,	,	PUNCT
framr-4075	1170	5	13(1	13(1	NUM
framr-4075	1170	6	)	)	PUNCT
framr-4075	1170	7	,	,	PUNCT
framr-4075	1170	8	47	47	NUM
framr-4075	1170	9	.	.	PUNCT
framr-4075	1171	1	philip	philip	PROPN
framr-4075	1171	2	olaseni	olaseni	PROPN
framr-4075	1171	3	shoetan	shoetan	PROPN
framr-4075	1171	4	&	&	CCONJ
framr-4075	1171	5	babajide	babajide	ADJ
framr-4075	1171	6	tolulope	tolulope	PROPN
framr-4075	1171	7	familoni	familoni	PROPN
framr-4075	1171	8	.	.	PUNCT
framr-4075	1172	1	(	(	PUNCT
framr-4075	1172	2	2024	2024	NUM
framr-4075	1172	3	)	)	PUNCT
framr-4075	1172	4	.	.	PUNCT
framr-4075	1173	1	transforming	transform	VERB
framr-4075	1173	2	fintech	fintech	NOUN
framr-4075	1173	3	fraud	fraud	NOUN
framr-4075	1173	4	detection	detection	NOUN
framr-4075	1173	5	with	with	ADP
framr-4075	1173	6	advanced	advanced	ADJ
framr-4075	1173	7	artificial	artificial	ADJ
framr-4075	1173	8	intelligence	intelligence	NOUN
framr-4075	1173	9	algorithms	algorithm	NOUN
framr-4075	1173	10	.	.	PUNCT
framr-4075	1174	1	finance	finance	NOUN
framr-4075	1174	2	&	&	CCONJ
framr-4075	1174	3	accounting	accounting	PROPN
framr-4075	1174	4	research	research	PROPN
framr-4075	1174	5	journal	journal	PROPN
framr-4075	1174	6	,	,	PUNCT
framr-4075	1174	7	6(4	6(4	NUM
framr-4075	1174	8	)	)	PUNCT
framr-4075	1174	9	,	,	PUNCT
framr-4075	1174	10	602–625	602–625	NUM
framr-4075	1174	11	.	.	PUNCT
framr-4075	1175	1	https://doi.org/10.51594/farj.v6i4.1036	https://doi.org/10.51594/farj.v6i4.1036	X
framr-4075	1175	2	philippon	philippon	NOUN
framr-4075	1175	3	,	,	PUNCT
framr-4075	1175	4	t.	t.	PROPN
framr-4075	1175	5	(	(	PUNCT
framr-4075	1175	6	2016	2016	NUM
framr-4075	1175	7	)	)	PUNCT
framr-4075	1175	8	.	.	PUNCT
framr-4075	1176	1	the	the	DET
framr-4075	1176	2	fintech	fintech	NOUN
framr-4075	1176	3	opportunity	opportunity	NOUN
framr-4075	1176	4	.	.	PUNCT
framr-4075	1177	1	national	national	PROPN
framr-4075	1177	2	bureau	bureau	PROPN
framr-4075	1177	3	of	of	ADP
framr-4075	1177	4	economic	economic	ADJ
framr-4075	1177	5	research	research	NOUN
framr-4075	1177	6	.	.	PUNCT
framr-4075	1178	1	no	no	INTJ
framr-4075	1178	2	.	.	PUNCT
framr-4075	1179	1	w22476	w22476	PROPN
framr-4075	1179	2	.	.	PUNCT
framr-4075	1180	1	pickett	pickett	PROPN
framr-4075	1180	2	,	,	PUNCT
framr-4075	1180	3	k.	k.	PROPN
framr-4075	1180	4	s.	s.	PROPN
framr-4075	1180	5	,	,	PUNCT
framr-4075	1180	6	&	&	CCONJ
framr-4075	1180	7	pickett	pickett	PROPN
framr-4075	1180	8	,	,	PUNCT
framr-4075	1180	9	j.	j.	PROPN
framr-4075	1180	10	m.	m.	PROPN
framr-4075	1180	11	(	(	PUNCT
framr-4075	1180	12	2002	2002	NUM
framr-4075	1180	13	)	)	PUNCT
framr-4075	1180	14	.	.	PUNCT
framr-4075	1181	1	financial	financial	ADJ
framr-4075	1181	2	crime	crime	PROPN
framr-4075	1181	3	investigation	investigation	NOUN
framr-4075	1181	4	and	and	CCONJ
framr-4075	1181	5	control	control	NOUN
framr-4075	1181	6	.	.	PUNCT
framr-4075	1182	1	new	new	PROPN
framr-4075	1182	2	york	york	PROPN
framr-4075	1182	3	:	:	PUNCT
framr-4075	1182	4	john	john	PROPN
framr-4075	1182	5	wiley	wiley	PROPN
framr-4075	1182	6	&	&	CCONJ
framr-4075	1182	7	sons	son	NOUN
framr-4075	1182	8	.	.	PUNCT
framr-4075	1183	1	puschmann	puschmann	PROPN
framr-4075	1183	2	,	,	PUNCT
framr-4075	1183	3	t.	t.	PROPN
framr-4075	1183	4	(	(	PUNCT
framr-4075	1183	5	2017	2017	NUM
framr-4075	1183	6	)	)	PUNCT
framr-4075	1183	7	.	.	PUNCT
framr-4075	1184	1	fintech	fintech	NOUN
framr-4075	1184	2	.	.	PUNCT
framr-4075	1185	1	business	business	PROPN
framr-4075	1185	2	&	&	CCONJ
framr-4075	1185	3	information	information	PROPN
framr-4075	1185	4	systems	system	NOUN
framr-4075	1185	5	engineering	engineering	NOUN
framr-4075	1185	6	,	,	PUNCT
framr-4075	1185	7	59	59	NUM
framr-4075	1185	8	,	,	PUNCT
framr-4075	1185	9	69	69	NUM
framr-4075	1185	10	-	-	SYM
framr-4075	1185	11	76	76	NUM
framr-4075	1185	12	.	.	PUNCT
framr-4075	1186	1	puschmann	puschmann	PROPN
framr-4075	1186	2	,	,	PUNCT
framr-4075	1186	3	t.	t.	PROPN
framr-4075	1186	4	,	,	PUNCT
framr-4075	1186	5	&	&	CCONJ
framr-4075	1186	6	alt	alt	PROPN
framr-4075	1186	7	,	,	PUNCT
framr-4075	1186	8	r.	r.	PROPN
framr-4075	1186	9	(	(	PUNCT
framr-4075	1186	10	2016	2016	NUM
framr-4075	1186	11	)	)	PUNCT
framr-4075	1186	12	.	.	PUNCT
framr-4075	1187	1	sharing	share	VERB
framr-4075	1187	2	economy	economy	NOUN
framr-4075	1187	3	.	.	PUNCT
framr-4075	1188	1	business	business	NOUN
framr-4075	1188	2	&	&	CCONJ
framr-4075	1188	3	information	information	PROPN
framr-4075	1188	4	systems	system	NOUN
framr-4075	1188	5	engineering	engineering	NOUN
framr-4075	1188	6	,	,	PUNCT
framr-4075	1188	7	58	58	NUM
framr-4075	1188	8	,	,	PUNCT
framr-4075	1188	9	93	93	NUM
framr-4075	1188	10	-	-	SYM
framr-4075	1188	11	99	99	NUM
framr-4075	1188	12	.	.	PUNCT
framr-4075	1188	13	pwc	pwc	PROPN
framr-4075	1188	14	.	.	PUNCT
framr-4075	1189	1	(	(	PUNCT
framr-4075	1189	2	2016	2016	NUM
framr-4075	1189	3	)	)	PUNCT
framr-4075	1189	4	.	.	PUNCT
framr-4075	1190	1	blurred	blurred	ADJ
framr-4075	1190	2	lines	line	NOUN
framr-4075	1190	3	:	:	PUNCT
framr-4075	1190	4	how	how	SCONJ
framr-4075	1190	5	fintech	fintech	NOUN
framr-4075	1190	6	is	be	AUX
framr-4075	1190	7	shaping	shape	VERB
framr-4075	1190	8	financial	financial	ADJ
framr-4075	1190	9	services	service	NOUN
framr-4075	1190	10	.	.	PUNCT
framr-4075	1191	1	retrieved	retrieve	VERB
framr-4075	1191	2	from	from	ADP
framr-4075	1191	3	https://www.pwc.de	https://www.pwc.de	PROPN
framr-4075	1191	4	pwc	pwc	PROPN
framr-4075	1191	5	.	.	PUNCT
framr-4075	1192	1	(	(	PUNCT
framr-4075	1192	2	2021	2021	NUM
framr-4075	1192	3	)	)	PUNCT
framr-4075	1192	4	.	.	PUNCT
framr-4075	1193	1	digital	digital	ADJ
framr-4075	1193	2	banking	banking	NOUN
framr-4075	1193	3	consumer	consumer	NOUN
framr-4075	1193	4	survey	survey	NOUN
framr-4075	1193	5	.	.	PUNCT
framr-4075	1194	1	retrieved	retrieve	VERB
framr-4075	1194	2	from	from	ADP
framr-4075	1194	3	https://www.pwc.com/gx/en.html	https://www.pwc.com/gx/en.html	PROPN
framr-4075	1194	4	ramesh	ramesh	PROPN
framr-4075	1194	5	,	,	PUNCT
framr-4075	1194	6	k.	k.	PROPN
framr-4075	1194	7	,	,	PUNCT
framr-4075	1194	8	amudha	amudha	PROPN
framr-4075	1194	9	,	,	PUNCT
framr-4075	1194	10	r.	r.	PROPN
framr-4075	1194	11	,	,	PUNCT
framr-4075	1194	12	prasob	prasob	NOUN
framr-4075	1194	13	,	,	PUNCT
framr-4075	1194	14	k.	k.	PROPN
framr-4075	1194	15	,	,	PUNCT
framr-4075	1194	16	&	&	CCONJ
framr-4075	1194	17	kanna	kanna	PROPN
framr-4075	1194	18	,	,	PUNCT
framr-4075	1194	19	k.	k.	PROPN
framr-4075	1194	20	(	(	PUNCT
framr-4075	1194	21	2023	2023	NUM
framr-4075	1194	22	)	)	PUNCT
framr-4075	1194	23	.	.	PUNCT
framr-4075	1195	1	fintech	fintech	NOUN
framr-4075	1195	2	innovations	innovation	NOUN
framr-4075	1195	3	in	in	ADP
framr-4075	1195	4	e	e	NOUN
framr-4075	1195	5	-	-	NOUN
framr-4075	1195	6	payments	payment	NOUN
framr-4075	1195	7	:	:	PUNCT
framr-4075	1195	8	privacy	privacy	NOUN
framr-4075	1195	9	and	and	CCONJ
framr-4075	1195	10	security	security	NOUN
framr-4075	1195	11	in	in	ADP
framr-4075	1195	12	cybercrime	cybercrime	NOUN
framr-4075	1195	13	threats	threat	NOUN
framr-4075	1195	14	.	.	PUNCT
framr-4075	1196	1	multidisciplinary	multidisciplinary	ADJ
framr-4075	1196	2	science	science	NOUN
framr-4075	1196	3	journal	journal	PROPN
framr-4075	1196	4	,	,	PUNCT
framr-4075	1196	5	5	5	NUM
framr-4075	1196	6	,	,	PUNCT
framr-4075	1196	7	2023ss0320	2023ss0320	PROPN
framr-4075	1196	8	.	.	PUNCT
framr-4075	1196	9	https://doi.org/10.31893/multiscience.2023ss0320	https://doi.org/10.31893/multiscience.2023ss0320	NOUN
framr-4075	1196	10	reurink	reurink	VERB
framr-4075	1196	11	,	,	PUNCT
framr-4075	1196	12	a.	a.	NOUN
framr-4075	1196	13	(	(	PUNCT
framr-4075	1196	14	2018	2018	NUM
framr-4075	1196	15	)	)	PUNCT
framr-4075	1196	16	.	.	PUNCT
framr-4075	1197	1	financial	financial	ADJ
framr-4075	1197	2	fraud	fraud	PROPN
framr-4075	1197	3	:	:	PUNCT
framr-4075	1197	4	a	a	DET
framr-4075	1197	5	literature	literature	PROPN
framr-4075	1197	6	review	review	NOUN
framr-4075	1197	7	.	.	PUNCT
framr-4075	1198	1	journal	journal	PROPN
framr-4075	1198	2	of	of	ADP
framr-4075	1198	3	economic	economic	ADJ
framr-4075	1198	4	surveys	survey	NOUN
framr-4075	1198	5	,	,	PUNCT
framr-4075	1198	6	32(5	32(5	NOUN
framr-4075	1198	7	)	)	PUNCT
framr-4075	1198	8	,	,	PUNCT
framr-4075	1198	9	1292	1292	NUM
framr-4075	1198	10	-	-	SYM
framr-4075	1198	11	1325	1325	NUM
framr-4075	1198	12	.	.	PUNCT
framr-4075	1199	1	roszkowska	roszkowska	NOUN
framr-4075	1199	2	,	,	PUNCT
framr-4075	1199	3	p.	p.	NOUN
framr-4075	1199	4	(	(	PUNCT
framr-4075	1199	5	2021	2021	NUM
framr-4075	1199	6	)	)	PUNCT
framr-4075	1199	7	.	.	PUNCT
framr-4075	1200	1	fintech	fintech	NOUN
framr-4075	1200	2	in	in	ADP
framr-4075	1200	3	financial	financial	ADJ
framr-4075	1200	4	reporting	reporting	NOUN
framr-4075	1200	5	and	and	CCONJ
framr-4075	1200	6	audit	audit	NOUN
framr-4075	1200	7	for	for	ADP
framr-4075	1200	8	fraud	fraud	NOUN
framr-4075	1200	9	prevention	prevention	NOUN
framr-4075	1200	10	and	and	CCONJ
framr-4075	1200	11	safeguarding	safeguard	VERB
framr-4075	1200	12	equity	equity	NOUN
framr-4075	1200	13	investments	investment	NOUN
framr-4075	1200	14	.	.	PUNCT
framr-4075	1201	1	journal	journal	NOUN
framr-4075	1201	2	of	of	ADP
framr-4075	1201	3	accounting	accounting	PROPN
framr-4075	1201	4	&	&	CCONJ
framr-4075	1201	5	organizational	organizational	ADJ
framr-4075	1201	6	change	change	NOUN
framr-4075	1201	7	,	,	PUNCT
framr-4075	1201	8	17(2	17(2	NUM
framr-4075	1201	9	)	)	PUNCT
framr-4075	1201	10	,	,	PUNCT
framr-4075	1201	11	164	164	NUM
framr-4075	1201	12	-	-	SYM
framr-4075	1201	13	196	196	NUM
framr-4075	1201	14	.	.	PUNCT
framr-4075	1202	1	https://doi.org/10.1108/jaoc-09-2019-0098	https://doi.org/10.1108/jaoc-09-2019-0098	PROPN
framr-4075	1202	2	rybalchenko	rybalchenko	PROPN
framr-4075	1202	3	,	,	PUNCT
framr-4075	1202	4	l.	l.	PROPN
framr-4075	1202	5	,	,	PUNCT
framr-4075	1202	6	ryzhkov	ryzhkov	PROPN
framr-4075	1202	7	,	,	PUNCT
framr-4075	1202	8	e.	e.	PROPN
framr-4075	1202	9	,	,	PUNCT
framr-4075	1202	10	&	&	CCONJ
framr-4075	1202	11	ohrimenco	ohrimenco	PROPN
framr-4075	1202	12	,	,	PUNCT
framr-4075	1202	13	s.	s.	PROPN
framr-4075	1202	14	(	(	PUNCT
framr-4075	1202	15	2021	2021	NUM
framr-4075	1202	16	)	)	PUNCT
framr-4075	1202	17	.	.	PUNCT
framr-4075	1203	1	economic	economic	ADJ
framr-4075	1203	2	crime	crime	NOUN
framr-4075	1203	3	and	and	CCONJ
framr-4075	1203	4	its	its	PRON
framr-4075	1203	5	impact	impact	NOUN
framr-4075	1203	6	on	on	ADP
framr-4075	1203	7	the	the	DET
framr-4075	1203	8	security	security	NOUN
framr-4075	1203	9	of	of	ADP
framr-4075	1203	10	the	the	DET
framr-4075	1203	11	state	state	NOUN
framr-4075	1203	12	.	.	PUNCT
framr-4075	1204	1	philosophy	philosophy	NOUN
framr-4075	1204	2	,	,	PUNCT
framr-4075	1204	3	economics	economic	NOUN
framr-4075	1204	4	and	and	CCONJ
framr-4075	1204	5	law	law	NOUN
framr-4075	1204	6	review	review	NOUN
framr-4075	1204	7	,	,	PUNCT
framr-4075	1204	8	2	2	NUM
framr-4075	1204	9	,	,	PUNCT
framr-4075	1204	10	78	78	NUM
framr-4075	1204	11	-	-	SYM
framr-4075	1204	12	91	91	NUM
framr-4075	1204	13	.	.	PUNCT
framr-4075	1205	1	saddiq	saddiq	NOUN
framr-4075	1205	2	,	,	PUNCT
framr-4075	1205	3	s.	s.	PROPN
framr-4075	1205	4	a.	a.	PROPN
framr-4075	1205	5	,	,	PUNCT
framr-4075	1205	6	&	&	CCONJ
framr-4075	1205	7	abu	abu	PROPN
framr-4075	1205	8	bakar	bakar	PROPN
framr-4075	1205	9	,	,	PUNCT
framr-4075	1205	10	a.	a.	PROPN
framr-4075	1205	11	s.	s.	PROPN
framr-4075	1205	12	(	(	PUNCT
framr-4075	1205	13	2019	2019	NUM
framr-4075	1205	14	)	)	PUNCT
framr-4075	1205	15	.	.	PUNCT
framr-4075	1206	1	impact	impact	NOUN
framr-4075	1206	2	of	of	ADP
framr-4075	1206	3	economic	economic	ADJ
framr-4075	1206	4	and	and	CCONJ
framr-4075	1206	5	financial	financial	ADJ
framr-4075	1206	6	crimes	crime	NOUN
framr-4075	1206	7	on	on	ADP
framr-4075	1206	8	economic	economic	ADJ
framr-4075	1206	9	growth	growth	NOUN
framr-4075	1206	10	in	in	ADP
framr-4075	1206	11	emerging	emerge	VERB
framr-4075	1206	12	and	and	CCONJ
framr-4075	1206	13	developing	develop	VERB
framr-4075	1206	14	countries	country	NOUN
framr-4075	1206	15	:	:	PUNCT
framr-4075	1206	16	a	a	DET
framr-4075	1206	17	systematic	systematic	ADJ
framr-4075	1206	18	review	review	NOUN
framr-4075	1206	19	.	.	PUNCT
framr-4075	1207	1	journal	journal	PROPN
framr-4075	1207	2	of	of	ADP
framr-4075	1207	3	financial	financial	ADJ
framr-4075	1207	4	crime	crime	NOUN
framr-4075	1207	5	,	,	PUNCT
framr-4075	1207	6	26(3	26(3	NUM
framr-4075	1207	7	)	)	PUNCT
framr-4075	1207	8	,	,	PUNCT
framr-4075	1207	9	910	910	NUM
framr-4075	1207	10	-	-	SYM
framr-4075	1207	11	920	920	NUM
framr-4075	1207	12	.	.	PUNCT
framr-4075	1208	1	https://doi.org/10.1108/jfc-102018-0112	https://doi.org/10.1108/jfc-102018-0112	PROPN
framr-4075	1208	2	saluja	saluja	PROPN
framr-4075	1208	3	,	,	PUNCT
framr-4075	1208	4	s.	s.	PROPN
framr-4075	1208	5	(	(	PUNCT
framr-4075	1208	6	2024	2024	NUM
framr-4075	1208	7	)	)	PUNCT
framr-4075	1208	8	.	.	PUNCT
framr-4075	1209	1	identity	identity	NOUN
framr-4075	1209	2	theft	theft	NOUN
framr-4075	1209	3	fraud	fraud	NOUN
framr-4075	1209	4	-	-	PUNCT
framr-4075	1209	5	major	major	ADJ
framr-4075	1209	6	loophole	loophole	NOUN
framr-4075	1209	7	for	for	ADP
framr-4075	1209	8	fintech	fintech	NOUN
framr-4075	1209	9	industry	industry	NOUN
framr-4075	1209	10	in	in	ADP
framr-4075	1209	11	india	india	PROPN
framr-4075	1209	12	.	.	PUNCT
framr-4075	1210	1	journal	journal	PROPN
framr-4075	1210	2	of	of	ADP
framr-4075	1210	3	financial	financial	ADJ
framr-4075	1210	4	crime	crime	NOUN
framr-4075	1210	5	,	,	PUNCT
framr-4075	1210	6	31(1	31(1	NUM
framr-4075	1210	7	)	)	PUNCT
framr-4075	1210	8	,	,	PUNCT
framr-4075	1210	9	146	146	NUM
framr-4075	1210	10	-	-	SYM
framr-4075	1210	11	157	157	NUM
framr-4075	1210	12	.	.	PUNCT
framr-4075	1211	1	https://doi.org/10.1108/jfc-08-2022-0211	https://doi.org/10.1108/jfc-08-2022-0211	NOUN
framr-4075	1211	2	sampat	sampat	PROPN
framr-4075	1211	3	,	,	PUNCT
framr-4075	1211	4	b.	b.	PROPN
framr-4075	1211	5	,	,	PUNCT
framr-4075	1211	6	mogaji	mogaji	PROPN
framr-4075	1211	7	,	,	PUNCT
framr-4075	1211	8	e.	e.	PROPN
framr-4075	1211	9	,	,	PUNCT
framr-4075	1211	10	&	&	CCONJ
framr-4075	1211	11	nguyen	nguyen	PROPN
framr-4075	1211	12	,	,	PUNCT
framr-4075	1211	13	n.	n.	PROPN
framr-4075	1211	14	p.	p.	PROPN
framr-4075	1211	15	(	(	PUNCT
framr-4075	1211	16	2024	2024	NUM
framr-4075	1211	17	)	)	PUNCT
framr-4075	1211	18	.	.	PUNCT
framr-4075	1212	1	the	the	DET
framr-4075	1212	2	dark	dark	ADJ
framr-4075	1212	3	side	side	NOUN
framr-4075	1212	4	of	of	ADP
framr-4075	1212	5	fintech	fintech	NOUN
framr-4075	1212	6	in	in	ADP
framr-4075	1212	7	financial	financial	ADJ
framr-4075	1212	8	services	service	NOUN
framr-4075	1212	9	:	:	PUNCT
framr-4075	1212	10	a	a	DET
framr-4075	1212	11	qualitative	qualitative	ADJ
framr-4075	1212	12	enquiry	enquiry	NOUN
framr-4075	1212	13	into	into	ADP
framr-4075	1212	14	fintech	fintech	NOUN
framr-4075	1212	15	developers	developer	NOUN
framr-4075	1212	16	’	’	PART
framr-4075	1212	17	perspective	perspective	NOUN
framr-4075	1212	18	.	.	PUNCT
framr-4075	1213	1	international	international	ADJ
framr-4075	1213	2	journal	journal	PROPN
framr-4075	1213	3	of	of	ADP
framr-4075	1213	4	bank	bank	PROPN
framr-4075	1213	5	marketing	marketing	NOUN
framr-4075	1213	6	,	,	PUNCT
framr-4075	1213	7	42(1	42(1	NOUN
framr-4075	1213	8	)	)	PUNCT
framr-4075	1213	9	,	,	PUNCT
framr-4075	1213	10	38	38	NUM
framr-4075	1213	11	-	-	SYM
framr-4075	1213	12	65	65	NUM
framr-4075	1213	13	.	.	PUNCT
framr-4075	1214	1	https://doi.org/10.1108/ijbm07-2022-0328	https://doi.org/10.1108/ijbm07-2022-0328	PROPN
framr-4075	1214	2	sandmo	sandmo	PROPN
framr-4075	1214	3	,	,	PUNCT
framr-4075	1214	4	a.	a.	NOUN
framr-4075	1214	5	(	(	PUNCT
framr-4075	1214	6	2005	2005	NUM
framr-4075	1214	7	)	)	PUNCT
framr-4075	1214	8	.	.	PUNCT
framr-4075	1215	1	the	the	DET
framr-4075	1215	2	theory	theory	NOUN
framr-4075	1215	3	of	of	ADP
framr-4075	1215	4	tax	tax	NOUN
framr-4075	1215	5	evasion	evasion	NOUN
framr-4075	1215	6	:	:	PUNCT
framr-4075	1215	7	a	a	DET
framr-4075	1215	8	retrospective	retrospective	ADJ
framr-4075	1215	9	view	view	NOUN
framr-4075	1215	10	.	.	PUNCT
framr-4075	1216	1	national	national	ADJ
framr-4075	1216	2	tax	tax	PROPN
framr-4075	1216	3	journal	journal	PROPN
framr-4075	1216	4	,	,	PUNCT
framr-4075	1216	5	58(4	58(4	NUM
framr-4075	1216	6	)	)	PUNCT
framr-4075	1216	7	,	,	PUNCT
framr-4075	1216	8	643	643	NUM
framr-4075	1216	9	-	-	SYM
framr-4075	1216	10	663	663	NUM
framr-4075	1216	11	.	.	PUNCT
framr-4075	1217	1	sangwan	sangwan	PROPN
framr-4075	1217	2	,	,	PUNCT
framr-4075	1217	3	v.	v.	PROPN
framr-4075	1217	4	,	,	PUNCT
framr-4075	1217	5	prakash	prakash	PROPN
framr-4075	1217	6	,	,	PUNCT
framr-4075	1217	7	p.	p.	PROPN
framr-4075	1217	8	,	,	PUNCT
framr-4075	1217	9	&	&	CCONJ
framr-4075	1217	10	singh	singh	PROPN
framr-4075	1217	11	,	,	PUNCT
framr-4075	1217	12	s.	s.	PROPN
framr-4075	1217	13	(	(	PUNCT
framr-4075	1217	14	2020	2020	NUM
framr-4075	1217	15	)	)	PUNCT
framr-4075	1217	16	.	.	PUNCT
framr-4075	1218	1	financial	financial	ADJ
framr-4075	1218	2	technology	technology	NOUN
framr-4075	1218	3	:	:	PUNCT
framr-4075	1218	4	a	a	DET
framr-4075	1218	5	review	review	NOUN
framr-4075	1218	6	of	of	ADP
framr-4075	1218	7	extant	extant	ADJ
framr-4075	1218	8	literature	literature	NOUN
framr-4075	1218	9	.	.	PUNCT
framr-4075	1219	1	studies	study	NOUN
framr-4075	1219	2	in	in	ADP
framr-4075	1219	3	economics	economic	NOUN
framr-4075	1219	4	and	and	CCONJ
framr-4075	1219	5	finance	finance	NOUN
framr-4075	1219	6	,	,	PUNCT
framr-4075	1219	7	37(1	37(1	NUM
framr-4075	1219	8	)	)	PUNCT
framr-4075	1219	9	,	,	PUNCT
framr-4075	1219	10	71	71	NUM
framr-4075	1219	11	-	-	SYM
framr-4075	1219	12	88	88	NUM
framr-4075	1219	13	.	.	PUNCT
framr-4075	1220	1	sarmah	sarmah	PROPN
framr-4075	1220	2	,	,	PUNCT
framr-4075	1220	3	s.	s.	PROPN
framr-4075	1220	4	s.	s.	PROPN
framr-4075	1220	5	(	(	PUNCT
framr-4075	1220	6	2018	2018	NUM
framr-4075	1220	7	)	)	PUNCT
framr-4075	1220	8	.	.	PUNCT
framr-4075	1221	1	understanding	understand	VERB
framr-4075	1221	2	blockchain	blockchain	PROPN
framr-4075	1221	3	technology	technology	PROPN
framr-4075	1221	4	.	.	PUNCT
framr-4075	1222	1	computer	computer	NOUN
framr-4075	1222	2	science	science	NOUN
framr-4075	1222	3	and	and	CCONJ
framr-4075	1222	4	engineering	engineering	NOUN
framr-4075	1222	5	,	,	PUNCT
framr-4075	1222	6	8(2	8(2	NUM
framr-4075	1222	7	)	)	PUNCT
framr-4075	1222	8	,	,	PUNCT
framr-4075	1222	9	23	23	NUM
framr-4075	1222	10	-	-	SYM
framr-4075	1222	11	29	29	NUM
framr-4075	1222	12	.	.	PUNCT
framr-4075	1223	1	https://doi.org/10.1007/s12599-014-0366-9	https://doi.org/10.1007/s12599-014-0366-9	PROPN
framr-4075	1223	2	https://blogs.nvidia.com/blog/featurespace-blocks-financial-fraud/	https://blogs.nvidia.com/blog/featurespace-blocks-financial-fraud/	PROPN
framr-4075	1223	3	https://doi.org/10.9734/jerr/2024/v26i71212	https://doi.org/10.9734/jerr/2024/v26i71212	PROPN
framr-4075	1223	4	https://doi.org/10.30574/ijsra.2024.12.1.1210	https://doi.org/10.30574/ijsra.2024.12.1.1210	PROPN
framr-4075	1223	5	https://doi.org/10.53430/ijeru.2024.6.2.0023	https://doi.org/10.53430/ijeru.2024.6.2.0023	NUM
framr-4075	1223	6	https://doi.org/10.2139/ssrn.3066543	https://doi.org/10.2139/ssrn.3066543	NOUN
framr-4075	1223	7	https://doi.org/10.51594/farj.v6i4.1036	https://doi.org/10.51594/farj.v6i4.1036	X
framr-4075	1223	8	https://www.pwc.de/	https://www.pwc.de/	X
framr-4075	1223	9	https://www.pwc.com/gx/en.html	https://www.pwc.com/gx/en.html	X
framr-4075	1223	10	https://doi.org/10.31893/multiscience.2023ss0320	https://doi.org/10.31893/multiscience.2023ss0320	NOUN
framr-4075	1223	11	https://doi.org/10.1108/jaoc-09-2019-0098	https://doi.org/10.1108/jaoc-09-2019-0098	NOUN
framr-4075	1223	12	https://doi.org/10.1108/jfc-10-2018-0112	https://doi.org/10.1108/jfc-10-2018-0112	NOUN
framr-4075	1223	13	https://doi.org/10.1108/jfc-10-2018-0112	https://doi.org/10.1108/jfc-10-2018-0112	NOUN
framr-4075	1223	14	https://doi.org/10.1108/jfc-08-2022-0211	https://doi.org/10.1108/jfc-08-2022-0211	NOUN
framr-4075	1223	15	https://doi.org/10.1108/ijbm-07-2022-0328	https://doi.org/10.1108/ijbm-07-2022-0328	PROPN
framr-4075	1223	16	https://doi.org/10.1108/ijbm-07-2022-0328	https://doi.org/10.1108/ijbm-07-2022-0328	NOUN
framr-4075	1223	17	financial	financial	ADJ
framr-4075	1223	18	risk	risk	NOUN
framr-4075	1223	19	and	and	CCONJ
framr-4075	1223	20	management	management	NOUN
framr-4075	1223	21	reviews	review	NOUN
framr-4075	1223	22	,	,	PUNCT
framr-4075	1223	23	2025	2025	NUM
framr-4075	1223	24	,	,	PUNCT
framr-4075	1223	25	11(1	11(1	NUM
framr-4075	1223	26	):	):	PUNCT
framr-4075	1223	27	1	1	NUM
framr-4075	1223	28	-	-	SYM
framr-4075	1223	29	36	36	NUM
framr-4075	1223	30	35	35	NUM
framr-4075	1223	31	©	©	PROPN
framr-4075	1223	32	2025	2025	NUM
framr-4075	1223	33	conscientia	conscientia	PROPN
framr-4075	1223	34	beam	beam	PROPN
framr-4075	1223	35	.	.	PUNCT
framr-4075	1224	1	all	all	DET
framr-4075	1224	2	rights	right	NOUN
framr-4075	1224	3	reserved	reserve	VERB
framr-4075	1224	4	.	.	PUNCT
framr-4075	1225	1	saxena	saxena	PROPN
framr-4075	1225	2	,	,	PUNCT
framr-4075	1225	3	a.	a.	PROPN
framr-4075	1225	4	k.	k.	PROPN
framr-4075	1225	5	,	,	PUNCT
framr-4075	1225	6	&	&	CCONJ
framr-4075	1225	7	vafin	vafin	PROPN
framr-4075	1225	8	,	,	PUNCT
framr-4075	1225	9	a.	a.	NOUN
framr-4075	1225	10	(	(	PUNCT
framr-4075	1225	11	2019	2019	NUM
framr-4075	1225	12	)	)	PUNCT
framr-4075	1225	13	.	.	PUNCT
framr-4075	1226	1	machine	machine	NOUN
framr-4075	1226	2	learning	learning	NOUN
framr-4075	1226	3	and	and	CCONJ
framr-4075	1226	4	big	big	ADJ
framr-4075	1226	5	data	datum	NOUN
framr-4075	1226	6	analytics	analytic	NOUN
framr-4075	1226	7	for	for	ADP
framr-4075	1226	8	fraud	fraud	NOUN
framr-4075	1226	9	detection	detection	NOUN
framr-4075	1226	10	systems	system	NOUN
framr-4075	1226	11	in	in	ADP
framr-4075	1226	12	the	the	DET
framr-4075	1226	13	united	united	PROPN
framr-4075	1226	14	states	states	PROPN
framr-4075	1226	15	fintech	fintech	NOUN
framr-4075	1226	16	industry	industry	NOUN
framr-4075	1226	17	.	.	PUNCT
framr-4075	1227	1	emerging	emerge	VERB
framr-4075	1227	2	trends	trend	NOUN
framr-4075	1227	3	in	in	ADP
framr-4075	1227	4	machine	machine	NOUN
framr-4075	1227	5	intelligence	intelligence	NOUN
framr-4075	1227	6	and	and	CCONJ
framr-4075	1227	7	big	big	ADJ
framr-4075	1227	8	data	datum	NOUN
framr-4075	1227	9	,	,	PUNCT
framr-4075	1227	10	11(12	11(12	NUM
framr-4075	1227	11	)	)	PUNCT
framr-4075	1227	12	,	,	PUNCT
framr-4075	1227	13	1	1	NUM
framr-4075	1227	14	-	-	SYM
framr-4075	1227	15	11	11	NUM
framr-4075	1227	16	.	.	PUNCT
framr-4075	1228	1	schneider	schneider	PROPN
framr-4075	1228	2	,	,	PUNCT
framr-4075	1228	3	f.	f.	PROPN
framr-4075	1228	4	,	,	PUNCT
framr-4075	1228	5	&	&	CCONJ
framr-4075	1228	6	windischbauer	windischbauer	PROPN
framr-4075	1228	7	,	,	PUNCT
framr-4075	1228	8	u.	u.	NOUN
framr-4075	1228	9	(	(	PUNCT
framr-4075	1228	10	2008	2008	NUM
framr-4075	1228	11	)	)	PUNCT
framr-4075	1228	12	.	.	PUNCT
framr-4075	1229	1	money	money	NOUN
framr-4075	1229	2	laundering	laundering	NOUN
framr-4075	1229	3	:	:	PUNCT
framr-4075	1229	4	some	some	DET
framr-4075	1229	5	facts	fact	NOUN
framr-4075	1229	6	.	.	PUNCT
framr-4075	1230	1	european	european	PROPN
framr-4075	1230	2	journal	journal	PROPN
framr-4075	1230	3	of	of	ADP
framr-4075	1230	4	law	law	NOUN
framr-4075	1230	5	and	and	CCONJ
framr-4075	1230	6	economics	economic	NOUN
framr-4075	1230	7	,	,	PUNCT
framr-4075	1230	8	26	26	NUM
framr-4075	1230	9	,	,	PUNCT
framr-4075	1230	10	387	387	NUM
framr-4075	1230	11	-	-	SYM
framr-4075	1230	12	404	404	NUM
framr-4075	1230	13	.	.	PUNCT
framr-4075	1231	1	schueffel	schueffel	NOUN
framr-4075	1231	2	,	,	PUNCT
framr-4075	1231	3	p.	p.	NOUN
framr-4075	1231	4	(	(	PUNCT
framr-4075	1231	5	2016	2016	NUM
framr-4075	1231	6	)	)	PUNCT
framr-4075	1231	7	.	.	PUNCT
framr-4075	1232	1	taming	tame	VERB
framr-4075	1232	2	the	the	DET
framr-4075	1232	3	beast	beast	NOUN
framr-4075	1232	4	:	:	PUNCT
framr-4075	1232	5	a	a	DET
framr-4075	1232	6	scientific	scientific	ADJ
framr-4075	1232	7	definition	definition	NOUN
framr-4075	1232	8	of	of	ADP
framr-4075	1232	9	fintech	fintech	NOUN
framr-4075	1232	10	.	.	PUNCT
framr-4075	1233	1	journal	journal	PROPN
framr-4075	1233	2	of	of	ADP
framr-4075	1233	3	innovation	innovation	NOUN
framr-4075	1233	4	management	management	NOUN
framr-4075	1233	5	,	,	PUNCT
framr-4075	1233	6	4(4	4(4	NUM
framr-4075	1233	7	)	)	PUNCT
framr-4075	1233	8	,	,	PUNCT
framr-4075	1233	9	32	32	NUM
framr-4075	1233	10	-	-	SYM
framr-4075	1233	11	54	54	NUM
framr-4075	1233	12	.	.	PUNCT
framr-4075	1234	1	sironi	sironi	PROPN
framr-4075	1234	2	,	,	PUNCT
framr-4075	1234	3	p.	p.	NOUN
framr-4075	1234	4	(	(	PUNCT
framr-4075	1234	5	2016	2016	NUM
framr-4075	1234	6	)	)	PUNCT
framr-4075	1234	7	.	.	PUNCT
framr-4075	1235	1	fintech	fintech	NOUN
framr-4075	1235	2	innovation	innovation	NOUN
framr-4075	1235	3	:	:	PUNCT
framr-4075	1235	4	from	from	ADP
framr-4075	1235	5	robo	robo	NOUN
framr-4075	1235	6	-	-	PUNCT
framr-4075	1235	7	advisors	advisor	NOUN
framr-4075	1235	8	to	to	ADP
framr-4075	1235	9	goal	goal	NOUN
framr-4075	1235	10	based	base	VERB
framr-4075	1235	11	investing	investing	NOUN
framr-4075	1235	12	and	and	CCONJ
framr-4075	1235	13	gamification	gamification	NOUN
framr-4075	1235	14	.	.	PUNCT
framr-4075	1236	1	west	west	PROPN
framr-4075	1236	2	sussex	sussex	PROPN
framr-4075	1236	3	,	,	PUNCT
framr-4075	1236	4	uk	uk	PROPN
framr-4075	1236	5	:	:	PUNCT
framr-4075	1236	6	john	john	PROPN
framr-4075	1236	7	wiley	wiley	PROPN
framr-4075	1236	8	&	&	CCONJ
framr-4075	1236	9	sons	sons	PROPN
framr-4075	1236	10	.	.	PUNCT
framr-4075	1237	1	skan	skan	PROPN
framr-4075	1237	2	,	,	PUNCT
framr-4075	1237	3	j.	j.	PROPN
framr-4075	1237	4	,	,	PUNCT
framr-4075	1237	5	dickerson	dickerson	PROPN
framr-4075	1237	6	,	,	PUNCT
framr-4075	1237	7	j.	j.	PROPN
framr-4075	1237	8	,	,	PUNCT
framr-4075	1237	9	&	&	CCONJ
framr-4075	1237	10	gagliardi	gagliardi	PROPN
framr-4075	1237	11	,	,	PUNCT
framr-4075	1237	12	l.	l.	PROPN
framr-4075	1237	13	(	(	PUNCT
framr-4075	1237	14	2016	2016	NUM
framr-4075	1237	15	)	)	PUNCT
framr-4075	1237	16	.	.	PUNCT
framr-4075	1238	1	fintech	fintech	NOUN
framr-4075	1238	2	and	and	CCONJ
framr-4075	1238	3	the	the	DET
framr-4075	1238	4	evolving	evolve	VERB
framr-4075	1238	5	landscape	landscape	NOUN
framr-4075	1238	6	:	:	PUNCT
framr-4075	1238	7	landing	landing	NOUN
framr-4075	1238	8	points	point	NOUN
framr-4075	1238	9	for	for	ADP
framr-4075	1238	10	the	the	DET
framr-4075	1238	11	industry	industry	NOUN
framr-4075	1238	12	.	.	PUNCT
framr-4075	1239	1	dublin	dublin	PROPN
framr-4075	1239	2	:	:	PUNCT
framr-4075	1239	3	accenture	accenture	NOUN
framr-4075	1239	4	.	.	PUNCT
framr-4075	1240	1	slemrod	slemrod	PROPN
framr-4075	1240	2	,	,	PUNCT
framr-4075	1240	3	j.	j.	PROPN
framr-4075	1240	4	(	(	PUNCT
framr-4075	1240	5	2007	2007	NUM
framr-4075	1240	6	)	)	PUNCT
framr-4075	1240	7	.	.	PUNCT
framr-4075	1241	1	cheating	cheat	VERB
framr-4075	1241	2	ourselves	ourselves	PRON
framr-4075	1241	3	:	:	PUNCT
framr-4075	1241	4	the	the	DET
framr-4075	1241	5	economics	economic	NOUN
framr-4075	1241	6	of	of	ADP
framr-4075	1241	7	tax	tax	NOUN
framr-4075	1241	8	evasion	evasion	NOUN
framr-4075	1241	9	.	.	PUNCT
framr-4075	1242	1	journal	journal	NOUN
framr-4075	1242	2	of	of	ADP
framr-4075	1242	3	economic	economic	ADJ
framr-4075	1242	4	perspectives	perspective	NOUN
framr-4075	1242	5	,	,	PUNCT
framr-4075	1242	6	21(1	21(1	NUM
framr-4075	1242	7	)	)	PUNCT
framr-4075	1242	8	,	,	PUNCT
framr-4075	1242	9	25	25	NUM
framr-4075	1242	10	-	-	SYM
framr-4075	1242	11	48	48	NUM
framr-4075	1242	12	.	.	PUNCT
framr-4075	1243	1	https://doi.org/10.1257/jep.21.1.25	https://doi.org/10.1257/jep.21.1.25	PROPN
framr-4075	1243	2	spreng	spreng	PROPN
framr-4075	1243	3	,	,	PUNCT
framr-4075	1243	4	r.	r.	PROPN
framr-4075	1243	5	n.	n.	PROPN
framr-4075	1243	6	,	,	PUNCT
framr-4075	1243	7	ebner	ebner	PROPN
framr-4075	1243	8	,	,	PUNCT
framr-4075	1243	9	n.	n.	PROPN
framr-4075	1243	10	c.	c.	PROPN
framr-4075	1243	11	,	,	PUNCT
framr-4075	1243	12	levin	levin	PROPN
framr-4075	1243	13	,	,	PUNCT
framr-4075	1243	14	b.	b.	PROPN
framr-4075	1243	15	e.	e.	PROPN
framr-4075	1243	16	,	,	PUNCT
framr-4075	1243	17	&	&	CCONJ
framr-4075	1243	18	turner	turner	PROPN
framr-4075	1243	19	,	,	PUNCT
framr-4075	1243	20	g.	g.	PROPN
framr-4075	1243	21	r.	r.	PROPN
framr-4075	1243	22	(	(	PUNCT
framr-4075	1243	23	2021	2021	NUM
framr-4075	1243	24	)	)	PUNCT
framr-4075	1243	25	.	.	PUNCT
framr-4075	1244	1	aging	age	VERB
framr-4075	1244	2	and	and	CCONJ
framr-4075	1244	3	financial	financial	ADJ
framr-4075	1244	4	exploitation	exploitation	NOUN
framr-4075	1244	5	risk	risk	NOUN
framr-4075	1244	6	.	.	PUNCT
framr-4075	1245	1	aging	aging	NOUN
framr-4075	1245	2	and	and	CCONJ
framr-4075	1245	3	money	money	NOUN
framr-4075	1245	4	:	:	PUNCT
framr-4075	1245	5	reducing	reduce	VERB
framr-4075	1245	6	risk	risk	NOUN
framr-4075	1245	7	of	of	ADP
framr-4075	1245	8	financial	financial	ADJ
framr-4075	1245	9	exploitation	exploitation	NOUN
framr-4075	1245	10	and	and	CCONJ
framr-4075	1245	11	protecting	protect	VERB
framr-4075	1245	12	financial	financial	ADJ
framr-4075	1245	13	resources	resource	NOUN
framr-4075	1245	14	,	,	PUNCT
framr-4075	1245	15	55	55	NUM
framr-4075	1245	16	-	-	SYM
framr-4075	1245	17	73	73	NUM
framr-4075	1245	18	.	.	PUNCT
framr-4075	1246	1	st	st	PROPN
framr-4075	1246	2	.	.	PROPN
framr-4075	1246	3	petersburg	petersburg	PROPN
framr-4075	1246	4	state	state	PROPN
framr-4075	1246	5	university	university	PROPN
framr-4075	1246	6	,	,	PUNCT
framr-4075	1246	7	belozyorov	belozyorov	PROPN
framr-4075	1246	8	,	,	PUNCT
framr-4075	1246	9	s.	s.	PROPN
framr-4075	1246	10	,	,	PUNCT
framr-4075	1246	11	sokolovska	sokolovska	PROPN
framr-4075	1246	12	,	,	PUNCT
framr-4075	1246	13	o.	o.	PROPN
framr-4075	1246	14	,	,	PUNCT
framr-4075	1246	15	st	st	PROPN
framr-4075	1246	16	.	.	PROPN
framr-4075	1246	17	petersburg	petersburg	PROPN
framr-4075	1246	18	state	state	PROPN
framr-4075	1246	19	university	university	PROPN
framr-4075	1246	20	,	,	PUNCT
framr-4075	1246	21	kim	kim	PROPN
framr-4075	1246	22	,	,	PUNCT
framr-4075	1246	23	y.	y.	PROPN
framr-4075	1246	24	s.	s.	PROPN
framr-4075	1246	25	,	,	PUNCT
framr-4075	1246	26	&	&	CCONJ
framr-4075	1246	27	university	university	PROPN
framr-4075	1246	28	.	.	PUNCT
framr-4075	1246	29	,	,	PUNCT
framr-4075	1246	30	g.w	g.w	PROPN
framr-4075	1246	31	.	.	PROPN
framr-4075	1246	32	n.	n.	PROPN
framr-4075	1246	33	(	(	PUNCT
framr-4075	1246	34	2020	2020	NUM
framr-4075	1246	35	)	)	PUNCT
framr-4075	1246	36	.	.	PUNCT
framr-4075	1247	1	fintech	fintech	NOUN
framr-4075	1247	2	as	as	ADP
framr-4075	1247	3	a	a	DET
framr-4075	1247	4	precondition	precondition	NOUN
framr-4075	1247	5	of	of	ADP
framr-4075	1247	6	transformations	transformation	NOUN
framr-4075	1247	7	in	in	ADP
framr-4075	1247	8	global	global	ADJ
framr-4075	1247	9	financial	financial	ADJ
framr-4075	1247	10	markets	market	NOUN
framr-4075	1247	11	.	.	PUNCT
framr-4075	1248	1	foresight	foresight	NOUN
framr-4075	1248	2	and	and	CCONJ
framr-4075	1248	3	sti	sti	PROPN
framr-4075	1248	4	governance	governance	NOUN
framr-4075	1248	5	,	,	PUNCT
framr-4075	1248	6	14(2	14(2	NUM
framr-4075	1248	7	)	)	PUNCT
framr-4075	1248	8	,	,	PUNCT
framr-4075	1248	9	23–35	23–35	NUM
framr-4075	1248	10	.	.	PUNCT
framr-4075	1248	11	https://doi.org/10.17323/2500-2597.2020.2.23.35	https://doi.org/10.17323/2500-2597.2020.2.23.35	PROPN
framr-4075	1248	12	stewart	stewart	PROPN
framr-4075	1248	13	,	,	PUNCT
framr-4075	1248	14	h.	h.	PROPN
framr-4075	1248	15	,	,	PUNCT
framr-4075	1248	16	&	&	CCONJ
framr-4075	1248	17	jürjens	jürjen	NOUN
framr-4075	1248	18	,	,	PUNCT
framr-4075	1248	19	j.	j.	PROPN
framr-4075	1248	20	(	(	PUNCT
framr-4075	1248	21	2018	2018	NUM
framr-4075	1248	22	)	)	PUNCT
framr-4075	1248	23	.	.	PUNCT
framr-4075	1249	1	data	datum	NOUN
framr-4075	1249	2	security	security	NOUN
framr-4075	1249	3	and	and	CCONJ
framr-4075	1249	4	consumer	consumer	NOUN
framr-4075	1249	5	trust	trust	NOUN
framr-4075	1249	6	in	in	ADP
framr-4075	1249	7	fintech	fintech	NOUN
framr-4075	1249	8	innovation	innovation	NOUN
framr-4075	1249	9	in	in	ADP
framr-4075	1249	10	germany	germany	PROPN
framr-4075	1249	11	.	.	PUNCT
framr-4075	1250	1	information	information	PROPN
framr-4075	1250	2	&	&	CCONJ
framr-4075	1250	3	computer	computer	PROPN
framr-4075	1250	4	security	security	NOUN
framr-4075	1250	5	,	,	PUNCT
framr-4075	1250	6	26(1	26(1	NUM
framr-4075	1250	7	)	)	PUNCT
framr-4075	1250	8	,	,	PUNCT
framr-4075	1250	9	109	109	NUM
framr-4075	1250	10	-	-	SYM
framr-4075	1250	11	128	128	NUM
framr-4075	1250	12	.	.	PUNCT
framr-4075	1251	1	https://doi.org/10.1108/ics-06-2017-0039	https://doi.org/10.1108/ics-06-2017-0039	NOUN
framr-4075	1251	2	stojanović	stojanović	PROPN
framr-4075	1251	3	,	,	PUNCT
framr-4075	1251	4	b.	b.	PROPN
framr-4075	1251	5	,	,	PUNCT
framr-4075	1251	6	božić	božić	PROPN
framr-4075	1251	7	,	,	PUNCT
framr-4075	1251	8	j.	j.	PROPN
framr-4075	1251	9	,	,	PUNCT
framr-4075	1251	10	hofer	hofer	PROPN
framr-4075	1251	11	-	-	PUNCT
framr-4075	1251	12	schmitz	schmitz	PROPN
framr-4075	1251	13	,	,	PUNCT
framr-4075	1251	14	k.	k.	PROPN
framr-4075	1251	15	,	,	PUNCT
framr-4075	1251	16	nahrgang	nahrgang	PROPN
framr-4075	1251	17	,	,	PUNCT
framr-4075	1251	18	k.	k.	PROPN
framr-4075	1251	19	,	,	PUNCT
framr-4075	1251	20	weber	weber	PROPN
framr-4075	1251	21	,	,	PUNCT
framr-4075	1251	22	a.	a.	PROPN
framr-4075	1251	23	,	,	PUNCT
framr-4075	1251	24	badii	badii	PROPN
framr-4075	1251	25	,	,	PUNCT
framr-4075	1251	26	a.	a.	NOUN
framr-4075	1251	27	,	,	PUNCT
framr-4075	1251	28	.	.	PUNCT
framr-4075	1251	29	.	.	PUNCT
framr-4075	1251	30	.	.	PUNCT
framr-4075	1252	1	runevic	runevic	PROPN
framr-4075	1252	2	,	,	PUNCT
framr-4075	1252	3	j.	j.	PROPN
framr-4075	1252	4	(	(	PUNCT
framr-4075	1252	5	2021	2021	NUM
framr-4075	1252	6	)	)	PUNCT
framr-4075	1252	7	.	.	PUNCT
framr-4075	1253	1	follow	follow	VERB
framr-4075	1253	2	the	the	DET
framr-4075	1253	3	trail	trail	NOUN
framr-4075	1253	4	:	:	PUNCT
framr-4075	1253	5	machine	machine	NOUN
framr-4075	1253	6	learning	learn	VERB
framr-4075	1253	7	for	for	ADP
framr-4075	1253	8	fraud	fraud	NOUN
framr-4075	1253	9	detection	detection	NOUN
framr-4075	1253	10	in	in	ADP
framr-4075	1253	11	fintech	fintech	NOUN
framr-4075	1253	12	applications	application	NOUN
framr-4075	1253	13	.	.	PUNCT
framr-4075	1254	1	sensors	sensor	NOUN
framr-4075	1254	2	,	,	PUNCT
framr-4075	1254	3	21(5	21(5	NUM
framr-4075	1254	4	)	)	PUNCT
framr-4075	1254	5	,	,	PUNCT
framr-4075	1254	6	1594	1594	NUM
framr-4075	1254	7	.	.	PUNCT
framr-4075	1255	1	https://doi.org/10.3390/s21051594	https://doi.org/10.3390/s21051594	NUM
framr-4075	1255	2	supervision	supervision	NOUN
framr-4075	1255	3	,	,	PUNCT
framr-4075	1255	4	b.	b.	PROPN
framr-4075	1255	5	(	(	PUNCT
framr-4075	1255	6	2011	2011	NUM
framr-4075	1255	7	)	)	PUNCT
framr-4075	1255	8	.	.	PUNCT
framr-4075	1256	1	basel	basel	PROPN
framr-4075	1256	2	committee	committee	PROPN
framr-4075	1256	3	on	on	ADP
framr-4075	1256	4	banking	banking	NOUN
framr-4075	1256	5	supervision	supervision	NOUN
framr-4075	1256	6	.	.	PUNCT
framr-4075	1257	1	principles	principle	NOUN
framr-4075	1257	2	for	for	ADP
framr-4075	1257	3	sound	sound	ADJ
framr-4075	1257	4	liquidity	liquidity	NOUN
framr-4075	1257	5	risk	risk	NOUN
framr-4075	1257	6	management	management	NOUN
framr-4075	1257	7	and	and	CCONJ
framr-4075	1257	8	supervision	supervision	NOUN
framr-4075	1257	9	(	(	PUNCT
framr-4075	1257	10	september	september	PROPN
framr-4075	1257	11	2008	2008	NUM
framr-4075	1257	12	)	)	PUNCT
framr-4075	1257	13	.	.	PUNCT
framr-4075	1258	1	sutton	sutton	PROPN
framr-4075	1258	2	,	,	PUNCT
framr-4075	1258	3	d.	d.	PROPN
framr-4075	1258	4	(	(	PUNCT
framr-4075	1258	5	2022	2022	NUM
framr-4075	1258	6	)	)	PUNCT
framr-4075	1258	7	.	.	PUNCT
framr-4075	1259	1	featurespace	featurespace	PROPN
framr-4075	1259	2	blocks	block	VERB
framr-4075	1259	3	fraud	fraud	NOUN
framr-4075	1259	4	attacks	attack	NOUN
framr-4075	1259	5	for	for	ADP
framr-4075	1259	6	financial	financial	ADJ
framr-4075	1259	7	institutions	institution	NOUN
framr-4075	1259	8	with	with	ADP
framr-4075	1259	9	ai	ai	ADP
framr-4075	1259	10	and	and	CCONJ
framr-4075	1259	11	nvidia	nvidia	PROPN
framr-4075	1259	12	gpus	gpu	NOUN
framr-4075	1259	13	.	.	PUNCT
framr-4075	1260	1	retrieved	retrieve	VERB
framr-4075	1260	2	from	from	ADP
framr-4075	1260	3	https://blogs.nvidia.com/	https://blogs.nvidia.com/	PROPN
framr-4075	1260	4	tache	tache	PROPN
framr-4075	1260	5	,	,	PUNCT
framr-4075	1260	6	c.	c.	PROPN
framr-4075	1260	7	e.	e.	PROPN
framr-4075	1260	8	p.	p.	PROPN
framr-4075	1260	9	(	(	PUNCT
framr-4075	1260	10	2022	2022	NUM
framr-4075	1260	11	)	)	PUNCT
framr-4075	1260	12	.	.	PUNCT
framr-4075	1261	1	public	public	ADJ
framr-4075	1261	2	international	international	ADJ
framr-4075	1261	3	law	law	NOUN
framr-4075	1261	4	and	and	CCONJ
framr-4075	1261	5	fintech	fintech	NOUN
framr-4075	1261	6	challenges	challenge	NOUN
framr-4075	1261	7	.	.	PUNCT
framr-4075	1262	1	perspectives	perspective	NOUN
framr-4075	1262	2	of	of	ADP
framr-4075	1262	3	law	law	NOUN
framr-4075	1262	4	and	and	CCONJ
framr-4075	1262	5	public	public	ADJ
framr-4075	1262	6	administration	administration	NOUN
framr-4075	1262	7	,	,	PUNCT
framr-4075	1262	8	11(2	11(2	NUM
framr-4075	1262	9	)	)	PUNCT
framr-4075	1262	10	,	,	PUNCT
framr-4075	1262	11	218225	218225	NUM
framr-4075	1262	12	.	.	PUNCT
framr-4075	1263	1	tao	tao	PROPN
framr-4075	1263	2	,	,	PUNCT
framr-4075	1263	3	r.	r.	PROPN
framr-4075	1263	4	,	,	PUNCT
framr-4075	1263	5	su	su	PROPN
framr-4075	1263	6	,	,	PUNCT
framr-4075	1263	7	c.-w	c.-w	PROPN
framr-4075	1263	8	.	.	PROPN
framr-4075	1263	9	,	,	PUNCT
framr-4075	1263	10	naqvi	naqvi	PROPN
framr-4075	1263	11	,	,	PUNCT
framr-4075	1263	12	b.	b.	PROPN
framr-4075	1263	13	,	,	PUNCT
framr-4075	1263	14	&	&	CCONJ
framr-4075	1263	15	rizvi	rizvi	PROPN
framr-4075	1263	16	,	,	PUNCT
framr-4075	1263	17	s.	s.	PROPN
framr-4075	1263	18	k.	k.	PROPN
framr-4075	1263	19	a.	a.	PROPN
framr-4075	1263	20	(	(	PUNCT
framr-4075	1263	21	2022	2022	NUM
framr-4075	1263	22	)	)	PUNCT
framr-4075	1263	23	.	.	PUNCT
framr-4075	1264	1	can	can	AUX
framr-4075	1264	2	fintech	fintech	VERB
framr-4075	1264	3	development	development	NOUN
framr-4075	1264	4	pave	pave	VERB
framr-4075	1264	5	the	the	DET
framr-4075	1264	6	way	way	NOUN
framr-4075	1264	7	for	for	ADP
framr-4075	1264	8	a	a	DET
framr-4075	1264	9	transition	transition	NOUN
framr-4075	1264	10	towards	towards	ADP
framr-4075	1264	11	lowcarbon	lowcarbon	NOUN
framr-4075	1264	12	economy	economy	NOUN
framr-4075	1264	13	:	:	PUNCT
framr-4075	1264	14	a	a	DET
framr-4075	1264	15	global	global	ADJ
framr-4075	1264	16	perspective	perspective	NOUN
framr-4075	1264	17	.	.	PUNCT
framr-4075	1265	1	technological	technological	ADJ
framr-4075	1265	2	forecasting	forecasting	NOUN
framr-4075	1265	3	and	and	CCONJ
framr-4075	1265	4	social	social	ADJ
framr-4075	1265	5	change	change	NOUN
framr-4075	1265	6	,	,	PUNCT
framr-4075	1265	7	174	174	NUM
framr-4075	1265	8	,	,	PUNCT
framr-4075	1265	9	121278	121278	NUM
framr-4075	1265	10	.	.	PUNCT
framr-4075	1266	1	https://doi.org/10.1016/j.techfore.2021.121278	https://doi.org/10.1016/j.techfore.2021.121278	PROPN
framr-4075	1266	2	tapscott	tapscott	PROPN
framr-4075	1266	3	,	,	PUNCT
framr-4075	1266	4	d.	d.	PROPN
framr-4075	1266	5	,	,	PUNCT
framr-4075	1266	6	&	&	CCONJ
framr-4075	1266	7	tapscott	tapscott	PROPN
framr-4075	1266	8	,	,	PUNCT
framr-4075	1266	9	a.	a.	NOUN
framr-4075	1266	10	(	(	PUNCT
framr-4075	1266	11	2016	2016	NUM
framr-4075	1266	12	)	)	PUNCT
framr-4075	1266	13	.	.	PUNCT
framr-4075	1267	1	blockchain	blockchain	PROPN
framr-4075	1267	2	revolution	revolution	PROPN
framr-4075	1267	3	:	:	PUNCT
framr-4075	1267	4	how	how	SCONJ
framr-4075	1267	5	the	the	DET
framr-4075	1267	6	technology	technology	NOUN
framr-4075	1267	7	behind	behind	ADP
framr-4075	1267	8	bitcoin	bitcoin	NOUN
framr-4075	1267	9	is	be	AUX
framr-4075	1267	10	changing	change	VERB
framr-4075	1267	11	money	money	NOUN
framr-4075	1267	12	,	,	PUNCT
framr-4075	1267	13	business	business	NOUN
framr-4075	1267	14	,	,	PUNCT
framr-4075	1267	15	and	and	CCONJ
framr-4075	1267	16	the	the	DET
framr-4075	1267	17	world	world	NOUN
framr-4075	1267	18	.	.	PUNCT
framr-4075	1268	1	new	new	PROPN
framr-4075	1268	2	york	york	PROPN
framr-4075	1268	3	:	:	PUNCT
framr-4075	1268	4	penguin	penguin	NOUN
framr-4075	1268	5	.	.	PUNCT
framr-4075	1269	1	the	the	DET
framr-4075	1269	2	fintech	fintech	NOUN
framr-4075	1269	3	revolution	revolution	NOUN
framr-4075	1269	4	.	.	PUNCT
framr-4075	1270	1	(	(	PUNCT
framr-4075	1270	2	2015	2015	NUM
framr-4075	1270	3	)	)	PUNCT
framr-4075	1270	4	.	.	PUNCT
framr-4075	1271	1	a	a	DET
framr-4075	1271	2	wave	wave	NOUN
framr-4075	1271	3	of	of	ADP
framr-4075	1271	4	startups	startup	NOUN
framr-4075	1271	5	is	be	AUX
framr-4075	1271	6	changing	change	VERB
framr-4075	1271	7	finance	finance	NOUN
framr-4075	1271	8	–	–	PUNCT
framr-4075	1271	9	—	—	PUNCT
framr-4075	1271	10	for	for	ADP
framr-4075	1271	11	the	the	DET
framr-4075	1271	12	better	well	ADJ
framr-4075	1271	13	.	.	PUNCT
framr-4075	1272	1	the	the	DET
framr-4075	1272	2	economist	economist	NOUN
framr-4075	1272	3	,	,	PUNCT
framr-4075	1272	4	415(8937	415(8937	NUM
framr-4075	1272	5	)	)	PUNCT
framr-4075	1272	6	,	,	PUNCT
framr-4075	1272	7	13	13	NUM
framr-4075	1272	8	.	.	PUNCT
framr-4075	1272	9	tomasic	tomasic	PROPN
framr-4075	1272	10	,	,	PUNCT
framr-4075	1272	11	r.	r.	PROPN
framr-4075	1272	12	(	(	PUNCT
framr-4075	1272	13	2011	2011	NUM
framr-4075	1272	14	)	)	PUNCT
framr-4075	1272	15	.	.	PUNCT
framr-4075	1273	1	the	the	DET
framr-4075	1273	2	financial	financial	ADJ
framr-4075	1273	3	crisis	crisis	NOUN
framr-4075	1273	4	and	and	CCONJ
framr-4075	1273	5	the	the	DET
framr-4075	1273	6	haphazard	haphazard	ADJ
framr-4075	1273	7	pursuit	pursuit	NOUN
framr-4075	1273	8	of	of	ADP
framr-4075	1273	9	financial	financial	ADJ
framr-4075	1273	10	crime	crime	NOUN
framr-4075	1273	11	.	.	PUNCT
framr-4075	1274	1	journal	journal	NOUN
framr-4075	1274	2	of	of	ADP
framr-4075	1274	3	financial	financial	ADJ
framr-4075	1274	4	crime	crime	NOUN
framr-4075	1274	5	,	,	PUNCT
framr-4075	1274	6	18(1	18(1	NOUN
framr-4075	1274	7	)	)	PUNCT
framr-4075	1274	8	,	,	PUNCT
framr-4075	1274	9	7	7	NUM
framr-4075	1274	10	-	-	SYM
framr-4075	1274	11	31	31	NUM
framr-4075	1274	12	.	.	PUNCT
framr-4075	1275	1	https://doi.org/10.1108/13590791111098771	https://doi.org/10.1108/13590791111098771	NOUN
framr-4075	1275	2	tran	tran	PROPN
framr-4075	1275	3	,	,	PUNCT
framr-4075	1275	4	r.	r.	PROPN
framr-4075	1275	5	b.	b.	PROPN
framr-4075	1275	6	l.	l.	PROPN
framr-4075	1275	7	,	,	PUNCT
framr-4075	1275	8	&	&	CCONJ
framr-4075	1275	9	kevin	kevin	PROPN
framr-4075	1275	10	.	.	PUNCT
framr-4075	1276	1	(	(	PUNCT
framr-4075	1276	2	2023	2023	NUM
framr-4075	1276	3	)	)	PUNCT
framr-4075	1276	4	.	.	PUNCT
framr-4075	1277	1	nelson	nelson	PROPN
framr-4075	1277	2	mullins	mullins	PROPN
framr-4075	1277	3	fintech	fintech	NOUN
framr-4075	1277	4	laws	law	NOUN
framr-4075	1277	5	and	and	CCONJ
framr-4075	1277	6	regulations	regulation	NOUN
framr-4075	1277	7	2023	2023	NUM
framr-4075	1277	8	.	.	PUNCT
framr-4075	1278	1	retrieved	retrieve	VERB
framr-4075	1278	2	from	from	ADP
framr-4075	1278	3	https://www.nelsonmullins.com/insights/insights/fintech-laws-and-regulations-2023	https://www.nelsonmullins.com/insights/insights/fintech-laws-and-regulations-2023	NOUN
framr-4075	1278	4	treleaven	treleaven	ADJ
framr-4075	1278	5	,	,	PUNCT
framr-4075	1278	6	p.	p.	NOUN
framr-4075	1278	7	,	,	PUNCT
framr-4075	1278	8	brown	brown	PROPN
framr-4075	1278	9	,	,	PUNCT
framr-4075	1278	10	r.	r.	PROPN
framr-4075	1278	11	g.	g.	PROPN
framr-4075	1278	12	,	,	PUNCT
framr-4075	1278	13	&	&	CCONJ
framr-4075	1278	14	yang	yang	PROPN
framr-4075	1278	15	,	,	PUNCT
framr-4075	1278	16	d.	d.	PROPN
framr-4075	1278	17	(	(	PUNCT
framr-4075	1278	18	2017	2017	NUM
framr-4075	1278	19	)	)	PUNCT
framr-4075	1278	20	.	.	PUNCT
framr-4075	1279	1	blockchain	blockchain	PROPN
framr-4075	1279	2	technology	technology	PROPN
framr-4075	1279	3	in	in	ADP
framr-4075	1279	4	finance	finance	NOUN
framr-4075	1279	5	.	.	PUNCT
framr-4075	1280	1	computer	computer	NOUN
framr-4075	1280	2	,	,	PUNCT
framr-4075	1280	3	50(9	50(9	NUM
framr-4075	1280	4	)	)	PUNCT
framr-4075	1280	5	,	,	PUNCT
framr-4075	1280	6	14	14	NUM
framr-4075	1280	7	-	-	SYM
framr-4075	1280	8	17	17	NUM
framr-4075	1280	9	.	.	PUNCT
framr-4075	1281	1	https://doi.org/10.1109/mc.2017.3571047	https://doi.org/10.1109/mc.2017.3571047	PROPN
framr-4075	1281	2	trozze	trozze	NOUN
framr-4075	1281	3	,	,	PUNCT
framr-4075	1281	4	a.	a.	PROPN
framr-4075	1281	5	,	,	PUNCT
framr-4075	1281	6	kamps	kamps	PROPN
framr-4075	1281	7	,	,	PUNCT
framr-4075	1281	8	j.	j.	PROPN
framr-4075	1281	9	,	,	PUNCT
framr-4075	1281	10	akartuna	akartuna	PROPN
framr-4075	1281	11	,	,	PUNCT
framr-4075	1281	12	e.	e.	PROPN
framr-4075	1281	13	a.	a.	PROPN
framr-4075	1281	14	,	,	PUNCT
framr-4075	1281	15	hetzel	hetzel	PROPN
framr-4075	1281	16	,	,	PUNCT
framr-4075	1281	17	f.	f.	PROPN
framr-4075	1281	18	j.	j.	PROPN
framr-4075	1281	19	,	,	PUNCT
framr-4075	1281	20	kleinberg	kleinberg	PROPN
framr-4075	1281	21	,	,	PUNCT
framr-4075	1281	22	b.	b.	PROPN
framr-4075	1281	23	,	,	PUNCT
framr-4075	1281	24	davies	davy	NOUN
framr-4075	1281	25	,	,	PUNCT
framr-4075	1281	26	t.	t.	PROPN
framr-4075	1281	27	,	,	PUNCT
framr-4075	1281	28	&	&	CCONJ
framr-4075	1281	29	johnson	johnson	PROPN
framr-4075	1281	30	,	,	PUNCT
framr-4075	1281	31	s.	s.	PROPN
framr-4075	1281	32	d.	d.	PROPN
framr-4075	1281	33	(	(	PUNCT
framr-4075	1281	34	2022	2022	NUM
framr-4075	1281	35	)	)	PUNCT
framr-4075	1281	36	.	.	PUNCT
framr-4075	1282	1	cryptocurrencies	cryptocurrencie	NOUN
framr-4075	1282	2	and	and	CCONJ
framr-4075	1282	3	future	future	ADJ
framr-4075	1282	4	financial	financial	ADJ
framr-4075	1282	5	crime	crime	NOUN
framr-4075	1282	6	.	.	PUNCT
framr-4075	1283	1	crime	crime	NOUN
framr-4075	1283	2	science	science	PROPN
framr-4075	1283	3	,	,	PUNCT
framr-4075	1283	4	11	11	NUM
framr-4075	1283	5	,	,	PUNCT
framr-4075	1283	6	1	1	NUM
framr-4075	1283	7	-	-	SYM
framr-4075	1283	8	35	35	NUM
framr-4075	1283	9	.	.	PUNCT
framr-4075	1284	1	https://doi.org/10.1186/s40163-021-00163-8	https://doi.org/10.1186/s40163-021-00163-8	VERB
framr-4075	1284	2	uddin	uddin	PROPN
framr-4075	1284	3	,	,	PUNCT
framr-4075	1284	4	s.	s.	PROPN
framr-4075	1284	5	,	,	PUNCT
framr-4075	1284	6	ong	ong	PROPN
framr-4075	1284	7	,	,	PUNCT
framr-4075	1284	8	s.	s.	PROPN
framr-4075	1284	9	,	,	PUNCT
framr-4075	1284	10	&	&	CCONJ
framr-4075	1284	11	lu	lu	PROPN
framr-4075	1284	12	,	,	PUNCT
framr-4075	1284	13	h.	h.	PROPN
framr-4075	1284	14	(	(	PUNCT
framr-4075	1284	15	2022	2022	NUM
framr-4075	1284	16	)	)	PUNCT
framr-4075	1284	17	.	.	PUNCT
framr-4075	1285	1	machine	machine	NOUN
framr-4075	1285	2	learning	learn	VERB
framr-4075	1285	3	in	in	ADP
framr-4075	1285	4	project	project	NOUN
framr-4075	1285	5	analytics	analytic	NOUN
framr-4075	1285	6	:	:	PUNCT
framr-4075	1285	7	a	a	DET
framr-4075	1285	8	data	data	NOUN
framr-4075	1285	9	-	-	PUNCT
framr-4075	1285	10	driven	drive	VERB
framr-4075	1285	11	framework	framework	NOUN
framr-4075	1285	12	and	and	CCONJ
framr-4075	1285	13	case	case	NOUN
framr-4075	1285	14	study	study	NOUN
framr-4075	1285	15	.	.	PUNCT
framr-4075	1286	1	scientific	scientific	ADJ
framr-4075	1286	2	reports	report	NOUN
framr-4075	1286	3	,	,	PUNCT
framr-4075	1286	4	12(1	12(1	NUM
framr-4075	1286	5	)	)	PUNCT
framr-4075	1286	6	,	,	PUNCT
framr-4075	1286	7	15252	15252	NUM
framr-4075	1286	8	.	.	PUNCT
framr-4075	1287	1	https://doi.org/10.1038/s41598-022-19728-x	https://doi.org/10.1038/s41598-022-19728-x	PROPN
framr-4075	1287	2	uma	uma	PROPN
framr-4075	1287	3	,	,	PUNCT
framr-4075	1287	4	k.	k.	PROPN
framr-4075	1287	5	e.	e.	PROPN
framr-4075	1287	6	,	,	PUNCT
framr-4075	1287	7	&	&	CCONJ
framr-4075	1287	8	eboh	eboh	PROPN
framr-4075	1287	9	,	,	PUNCT
framr-4075	1287	10	f.	f.	PROPN
framr-4075	1287	11	e.	e.	PROPN
framr-4075	1287	12	(	(	PUNCT
framr-4075	1287	13	2013	2013	NUM
framr-4075	1287	14	)	)	PUNCT
framr-4075	1287	15	.	.	PUNCT
framr-4075	1288	1	corruption	corruption	NOUN
framr-4075	1288	2	,	,	PUNCT
framr-4075	1288	3	economic	economic	ADJ
framr-4075	1288	4	development	development	NOUN
framr-4075	1288	5	and	and	CCONJ
framr-4075	1288	6	emerging	emerge	VERB
framr-4075	1288	7	markets	market	NOUN
framr-4075	1288	8	:	:	PUNCT
framr-4075	1288	9	evidence	evidence	NOUN
framr-4075	1288	10	from	from	ADP
framr-4075	1288	11	nigeria	nigeria	PROPN
framr-4075	1288	12	.	.	PUNCT
framr-4075	1289	1	asian	asian	ADJ
framr-4075	1289	2	journal	journal	PROPN
framr-4075	1289	3	of	of	ADP
framr-4075	1289	4	management	management	NOUN
framr-4075	1289	5	sciences	sciences	PROPN
framr-4075	1289	6	and	and	CCONJ
framr-4075	1289	7	education	education	NOUN
framr-4075	1289	8	,	,	PUNCT
framr-4075	1289	9	2(3	2(3	NUM
framr-4075	1289	10	)	)	PUNCT
framr-4075	1289	11	,	,	PUNCT
framr-4075	1289	12	56	56	NUM
framr-4075	1289	13	-	-	SYM
framr-4075	1289	14	67	67	NUM
framr-4075	1289	15	.	.	PUNCT
framr-4075	1290	1	umoga	umoga	PROPN
framr-4075	1290	2	,	,	PUNCT
framr-4075	1290	3	u.	u.	PROPN
framr-4075	1290	4	j.	j.	PROPN
framr-4075	1290	5	,	,	PUNCT
framr-4075	1290	6	sodiya	sodiya	PROPN
framr-4075	1290	7	,	,	PUNCT
framr-4075	1290	8	e.	e.	PROPN
framr-4075	1290	9	o.	o.	PROPN
framr-4075	1290	10	,	,	PUNCT
framr-4075	1290	11	amoo	amoo	NOUN
framr-4075	1290	12	,	,	PUNCT
framr-4075	1290	13	o.	o.	PROPN
framr-4075	1290	14	o.	o.	PROPN
framr-4075	1290	15	,	,	PUNCT
framr-4075	1290	16	&	&	CCONJ
framr-4075	1290	17	atadoga	atadoga	PROPN
framr-4075	1290	18	,	,	PUNCT
framr-4075	1290	19	a.	a.	NOUN
framr-4075	1290	20	(	(	PUNCT
framr-4075	1290	21	2024	2024	NUM
framr-4075	1290	22	)	)	PUNCT
framr-4075	1290	23	.	.	PUNCT
framr-4075	1291	1	a	a	DET
framr-4075	1291	2	critical	critical	ADJ
framr-4075	1291	3	review	review	NOUN
framr-4075	1291	4	of	of	ADP
framr-4075	1291	5	emerging	emerge	VERB
framr-4075	1291	6	cybersecurity	cybersecurity	NOUN
framr-4075	1291	7	threats	threat	NOUN
framr-4075	1291	8	in	in	ADP
framr-4075	1291	9	financial	financial	ADJ
framr-4075	1291	10	technologies	technology	NOUN
framr-4075	1291	11	.	.	PUNCT
framr-4075	1292	1	international	international	ADJ
framr-4075	1292	2	journal	journal	PROPN
framr-4075	1292	3	of	of	ADP
framr-4075	1292	4	science	science	NOUN
framr-4075	1292	5	and	and	CCONJ
framr-4075	1292	6	research	research	NOUN
framr-4075	1292	7	archive	archive	NOUN
framr-4075	1292	8	,	,	PUNCT
framr-4075	1292	9	11(1	11(1	NUM
framr-4075	1292	10	)	)	PUNCT
framr-4075	1292	11	,	,	PUNCT
framr-4075	1292	12	1810	1810	NUM
framr-4075	1292	13	-	-	SYM
framr-4075	1292	14	1817	1817	NUM
framr-4075	1292	15	.	.	PUNCT
framr-4075	1293	1	https://doi.org/10.30574/ijsra.2024.11.1.0284	https://doi.org/10.30574/ijsra.2024.11.1.0284	INTJ
framr-4075	1293	2	https://doi.org/10.1257/jep.21.1.25	https://doi.org/10.1257/jep.21.1.25	PROPN
framr-4075	1293	3	https://doi.org/10.17323/2500-2597.2020.2.23.35	https://doi.org/10.17323/2500-2597.2020.2.23.35	NOUN
framr-4075	1293	4	https://doi.org/10.1108/ics-06-2017-0039	https://doi.org/10.1108/ics-06-2017-0039	VERB
framr-4075	1293	5	https://doi.org/10.3390/s21051594	https://doi.org/10.3390/s21051594	NUM
framr-4075	1293	6	https://blogs.nvidia.com/	https://blogs.nvidia.com/	NOUN
framr-4075	1293	7	https://doi.org/10.1016/j.techfore.2021.121278	https://doi.org/10.1016/j.techfore.2021.121278	PROPN
framr-4075	1293	8	https://doi.org/10.1108/13590791111098771	https://doi.org/10.1108/13590791111098771	NOUN
framr-4075	1293	9	https://www.nelsonmullins.com/insights/insights/fintech-laws-and-regulations-2023	https://www.nelsonmullins.com/insights/insights/fintech-laws-and-regulations-2023	X
framr-4075	1293	10	https://doi.org/10.1109/mc.2017.3571047	https://doi.org/10.1109/mc.2017.3571047	NOUN
framr-4075	1293	11	https://doi.org/10.1186/s40163-021-00163-8	https://doi.org/10.1186/s40163-021-00163-8	X
framr-4075	1293	12	https://doi.org/10.1038/s41598-022-19728-x	https://doi.org/10.1038/s41598-022-19728-x	PROPN
framr-4075	1293	13	https://doi.org/10.30574/ijsra.2024.11.1.0284	https://doi.org/10.30574/ijsra.2024.11.1.0284	ADP
framr-4075	1293	14	financial	financial	ADJ
framr-4075	1293	15	risk	risk	NOUN
framr-4075	1293	16	and	and	CCONJ
framr-4075	1293	17	management	management	NOUN
framr-4075	1293	18	reviews	review	NOUN
framr-4075	1293	19	,	,	PUNCT
framr-4075	1293	20	2025	2025	NUM
framr-4075	1293	21	,	,	PUNCT
framr-4075	1293	22	11(1	11(1	NUM
framr-4075	1293	23	):	):	PUNCT
framr-4075	1293	24	1	1	NUM
framr-4075	1293	25	-	-	SYM
framr-4075	1293	26	36	36	NUM
framr-4075	1293	27	36	36	NUM
framr-4075	1293	28	©	©	PROPN
framr-4075	1293	29	2025	2025	NUM
framr-4075	1293	30	conscientia	conscientia	PROPN
framr-4075	1293	31	beam	beam	PROPN
framr-4075	1293	32	.	.	PUNCT
framr-4075	1294	1	all	all	DET
framr-4075	1294	2	rights	right	NOUN
framr-4075	1294	3	reserved	reserve	VERB
framr-4075	1294	4	.	.	PUNCT
framr-4075	1295	1	uña	uña	ADJ
framr-4075	1295	2	,	,	PUNCT
framr-4075	1295	3	g.	g.	PROPN
framr-4075	1295	4	,	,	PUNCT
framr-4075	1295	5	verma	verma	PROPN
framr-4075	1295	6	,	,	PUNCT
framr-4075	1295	7	a.	a.	NOUN
framr-4075	1295	8	,	,	PUNCT
framr-4075	1295	9	bazarbash	bazarbash	NOUN
framr-4075	1295	10	,	,	PUNCT
framr-4075	1295	11	m.	m.	NOUN
framr-4075	1295	12	,	,	PUNCT
framr-4075	1295	13	&	&	CCONJ
framr-4075	1295	14	griffin	griffin	PROPN
framr-4075	1295	15	,	,	PUNCT
framr-4075	1295	16	m.	m.	NOUN
framr-4075	1295	17	n.	n.	PROPN
framr-4075	1295	18	n.	n.	PROPN
framr-4075	1295	19	(	(	PUNCT
framr-4075	1295	20	2023	2023	NUM
framr-4075	1295	21	)	)	PUNCT
framr-4075	1295	22	.	.	PUNCT
framr-4075	1296	1	fintech	fintech	NOUN
framr-4075	1296	2	payments	payment	NOUN
framr-4075	1296	3	in	in	ADP
framr-4075	1296	4	public	public	ADJ
framr-4075	1296	5	financial	financial	ADJ
framr-4075	1296	6	management	management	NOUN
framr-4075	1296	7	:	:	PUNCT
framr-4075	1296	8	benefits	benefit	NOUN
framr-4075	1296	9	and	and	CCONJ
framr-4075	1296	10	risks	risk	NOUN
framr-4075	1296	11	:	:	PUNCT
framr-4075	1296	12	international	international	ADJ
framr-4075	1296	13	monetary	monetary	ADJ
framr-4075	1296	14	fund	fund	NOUN
framr-4075	1296	15	.	.	PUNCT
framr-4075	1297	1	https://doi.org/10.5089/9798400232213.001	https://doi.org/10.5089/9798400232213.001	PROPN
framr-4075	1297	2	.	.	PUNCT
framr-4075	1297	3	ungureanu	ungureanu	PROPN
framr-4075	1297	4	,	,	PUNCT
framr-4075	1297	5	m.-a	m.-a	PROPN
framr-4075	1297	6	.	.	PUNCT
framr-4075	1297	7	,	,	PUNCT
framr-4075	1297	8	&	&	CCONJ
framr-4075	1297	9	filip	filip	PROPN
framr-4075	1297	10	,	,	PUNCT
framr-4075	1297	11	l.-m	l.-m	PROPN
framr-4075	1297	12	.	.	PUNCT
framr-4075	1298	1	(	(	PUNCT
framr-4075	1298	2	2023	2023	NUM
framr-4075	1298	3	)	)	PUNCT
framr-4075	1298	4	.	.	PUNCT
framr-4075	1299	1	the	the	DET
framr-4075	1299	2	rise	rise	NOUN
framr-4075	1299	3	of	of	ADP
framr-4075	1299	4	fintech	fintech	NOUN
framr-4075	1299	5	and	and	CCONJ
framr-4075	1299	6	the	the	DET
framr-4075	1299	7	need	need	NOUN
framr-4075	1299	8	for	for	ADP
framr-4075	1299	9	robust	robust	ADJ
framr-4075	1299	10	cybersecurity	cybersecurity	NOUN
framr-4075	1299	11	measures	measure	NOUN
framr-4075	1299	12	.	.	PUNCT
framr-4075	1300	1	eirp	eirp	PROPN
framr-4075	1300	2	proceedings	proceeding	NOUN
framr-4075	1300	3	,	,	PUNCT
framr-4075	1300	4	18(1	18(1	NUM
framr-4075	1300	5	)	)	PUNCT
framr-4075	1300	6	,	,	PUNCT
framr-4075	1300	7	549	549	NUM
framr-4075	1300	8	-	-	SYM
framr-4075	1300	9	559	559	NUM
framr-4075	1300	10	.	.	PUNCT
framr-4075	1301	1	ünvan	ünvan	PROPN
framr-4075	1301	2	,	,	PUNCT
framr-4075	1301	3	y.	y.	PROPN
framr-4075	1301	4	a.	a.	PROPN
framr-4075	1301	5	(	(	PUNCT
framr-4075	1301	6	2020	2020	NUM
framr-4075	1301	7	)	)	PUNCT
framr-4075	1301	8	.	.	PUNCT
framr-4075	1302	1	financial	financial	ADJ
framr-4075	1302	2	crime	crime	NOUN
framr-4075	1302	3	:	:	PUNCT
framr-4075	1302	4	a	a	DET
framr-4075	1302	5	review	review	NOUN
framr-4075	1302	6	of	of	ADP
framr-4075	1302	7	literature	literature	NOUN
framr-4075	1302	8	.	.	PUNCT
framr-4075	1303	1	contemporary	contemporary	ADJ
framr-4075	1303	2	issues	issue	NOUN
framr-4075	1303	3	in	in	ADP
framr-4075	1303	4	audit	audit	NOUN
framr-4075	1303	5	management	management	NOUN
framr-4075	1303	6	and	and	CCONJ
framr-4075	1303	7	forensic	forensic	ADJ
framr-4075	1303	8	accounting	accounting	NOUN
framr-4075	1303	9	,	,	PUNCT
framr-4075	1303	10	102	102	NUM
framr-4075	1303	11	,	,	PUNCT
framr-4075	1303	12	265	265	NUM
framr-4075	1303	13	-	-	SYM
framr-4075	1303	14	272	272	NUM
framr-4075	1303	15	.	.	PUNCT
framr-4075	1303	16	https://doi.org/10.1108/s1569-375920200000102019	https://doi.org/10.1108/s1569-375920200000102019	PROPN
framr-4075	1303	17	utkina	utkina	PROPN
framr-4075	1303	18	,	,	PUNCT
framr-4075	1303	19	m.	m.	NOUN
framr-4075	1303	20	(	(	PUNCT
framr-4075	1303	21	2023	2023	NUM
framr-4075	1303	22	)	)	PUNCT
framr-4075	1303	23	.	.	PUNCT
framr-4075	1304	1	digital	digital	ADJ
framr-4075	1304	2	identification	identification	NOUN
framr-4075	1304	3	and	and	CCONJ
framr-4075	1304	4	financial	financial	ADJ
framr-4075	1304	5	monitoring	monitoring	NOUN
framr-4075	1304	6	:	:	PUNCT
framr-4075	1304	7	new	new	ADJ
framr-4075	1304	8	technologies	technology	NOUN
framr-4075	1304	9	in	in	ADP
framr-4075	1304	10	the	the	DET
framr-4075	1304	11	fight	fight	NOUN
framr-4075	1304	12	against	against	ADP
framr-4075	1304	13	crime	crime	NOUN
framr-4075	1304	14	.	.	PUNCT
framr-4075	1305	1	scientific	scientific	ADJ
framr-4075	1305	2	journal	journal	NOUN
framr-4075	1305	3	of	of	ADP
framr-4075	1305	4	polonia	polonia	PROPN
framr-4075	1305	5	university	university	PROPN
framr-4075	1305	6	,	,	PUNCT
framr-4075	1305	7	58(3	58(3	NUM
framr-4075	1305	8	)	)	PUNCT
framr-4075	1305	9	,	,	PUNCT
framr-4075	1305	10	303	303	NUM
framr-4075	1305	11	-	-	SYM
framr-4075	1305	12	308	308	NUM
framr-4075	1305	13	.	.	PUNCT
framr-4075	1306	1	https://doi.org/10.23856/5842	https://doi.org/10.23856/5842	PROPN
framr-4075	1306	2	verhoef	verhoef	NOUN
framr-4075	1306	3	,	,	PUNCT
framr-4075	1306	4	p.	p.	PROPN
framr-4075	1306	5	c.	c.	PROPN
framr-4075	1306	6	,	,	PUNCT
framr-4075	1306	7	kannan	kannan	PROPN
framr-4075	1306	8	,	,	PUNCT
framr-4075	1306	9	p.	p.	PROPN
framr-4075	1306	10	k.	k.	PROPN
framr-4075	1306	11	,	,	PUNCT
framr-4075	1306	12	&	&	CCONJ
framr-4075	1306	13	inman	inman	PROPN
framr-4075	1306	14	,	,	PUNCT
framr-4075	1306	15	j.	j.	PROPN
framr-4075	1306	16	j.	j.	PROPN
framr-4075	1306	17	(	(	PUNCT
framr-4075	1306	18	2015	2015	NUM
framr-4075	1306	19	)	)	PUNCT
framr-4075	1306	20	.	.	PUNCT
framr-4075	1307	1	from	from	ADP
framr-4075	1307	2	multi	multi	ADJ
framr-4075	1307	3	-	-	ADJ
framr-4075	1307	4	channel	channel	ADJ
framr-4075	1307	5	retailing	retailing	NOUN
framr-4075	1307	6	to	to	ADP
framr-4075	1307	7	omni	omni	ADJ
framr-4075	1307	8	-	-	PUNCT
framr-4075	1307	9	channel	channel	NOUN
framr-4075	1307	10	retailing	retailing	NOUN
framr-4075	1307	11	:	:	PUNCT
framr-4075	1307	12	introduction	introduction	NOUN
framr-4075	1307	13	to	to	ADP
framr-4075	1307	14	the	the	DET
framr-4075	1307	15	special	special	ADJ
framr-4075	1307	16	issue	issue	NOUN
framr-4075	1307	17	on	on	ADP
framr-4075	1307	18	multi	multi	ADJ
framr-4075	1307	19	-	-	ADJ
framr-4075	1307	20	channel	channel	ADJ
framr-4075	1307	21	retailing	retailing	NOUN
framr-4075	1307	22	.	.	PUNCT
framr-4075	1308	1	journal	journal	PROPN
framr-4075	1308	2	of	of	ADP
framr-4075	1308	3	retailing	retailing	NOUN
framr-4075	1308	4	,	,	PUNCT
framr-4075	1308	5	91(2	91(2	NUM
framr-4075	1308	6	)	)	PUNCT
framr-4075	1308	7	,	,	PUNCT
framr-4075	1308	8	174	174	NUM
framr-4075	1308	9	-	-	SYM
framr-4075	1308	10	181	181	NUM
framr-4075	1308	11	.	.	PUNCT
framr-4075	1309	1	https://doi.org/10.1016/j.jretai.2015.02.005	https://doi.org/10.1016/j.jretai.2015.02.005	PROPN
framr-4075	1309	2	villányi	villányi	PROPN
framr-4075	1309	3	,	,	PUNCT
framr-4075	1309	4	b.	b.	PROPN
framr-4075	1309	5	(	(	PUNCT
framr-4075	1309	6	2021	2021	NUM
framr-4075	1309	7	)	)	PUNCT
framr-4075	1309	8	.	.	PUNCT
framr-4075	1310	1	money	money	NOUN
framr-4075	1310	2	laundering	laundering	NOUN
framr-4075	1310	3	:	:	PUNCT
framr-4075	1310	4	history	history	NOUN
framr-4075	1310	5	,	,	PUNCT
framr-4075	1310	6	regulations	regulation	NOUN
framr-4075	1310	7	,	,	PUNCT
framr-4075	1310	8	and	and	CCONJ
framr-4075	1310	9	techniques	technique	NOUN
framr-4075	1310	10	.	.	PUNCT
framr-4075	1311	1	in	in	ADP
framr-4075	1311	2	oxford	oxford	PROPN
framr-4075	1311	3	research	research	NOUN
framr-4075	1311	4	encyclopedia	encyclopedia	NOUN
framr-4075	1311	5	of	of	ADP
framr-4075	1311	6	criminology	criminology	NOUN
framr-4075	1311	7	and	and	CCONJ
framr-4075	1311	8	criminal	criminal	ADJ
framr-4075	1311	9	justice	justice	NOUN
framr-4075	1311	10	.	.	PUNCT
framr-4075	1312	1	vuković	vuković	PROPN
framr-4075	1312	2	,	,	PUNCT
framr-4075	1312	3	d.	d.	PROPN
framr-4075	1312	4	b.	b.	PROPN
framr-4075	1312	5	,	,	PUNCT
framr-4075	1312	6	hassan	hassan	PROPN
framr-4075	1312	7	,	,	PUNCT
framr-4075	1312	8	m.	m.	PROPN
framr-4075	1312	9	k.	k.	PROPN
framr-4075	1312	10	,	,	PUNCT
framr-4075	1312	11	kwakye	kwakye	PROPN
framr-4075	1312	12	,	,	PUNCT
framr-4075	1312	13	b.	b.	PROPN
framr-4075	1312	14	,	,	PUNCT
framr-4075	1312	15	febtinugraini	febtinugraini	PROPN
framr-4075	1312	16	,	,	PUNCT
framr-4075	1312	17	a.	a.	NOUN
framr-4075	1312	18	,	,	PUNCT
framr-4075	1312	19	&	&	CCONJ
framr-4075	1312	20	shakib	shakib	PROPN
framr-4075	1312	21	,	,	PUNCT
framr-4075	1312	22	m.	m.	NOUN
framr-4075	1312	23	(	(	PUNCT
framr-4075	1312	24	2024	2024	NUM
framr-4075	1312	25	)	)	PUNCT
framr-4075	1312	26	.	.	PUNCT
framr-4075	1313	1	does	do	VERB
framr-4075	1313	2	fintech	fintech	NOUN
framr-4075	1313	3	matter	matter	NOUN
framr-4075	1313	4	for	for	ADP
framr-4075	1313	5	financial	financial	ADJ
framr-4075	1313	6	inclusion	inclusion	NOUN
framr-4075	1313	7	and	and	CCONJ
framr-4075	1313	8	financial	financial	ADJ
framr-4075	1313	9	stability	stability	NOUN
framr-4075	1313	10	in	in	ADP
framr-4075	1313	11	brics	bric	NOUN
framr-4075	1313	12	markets	market	NOUN
framr-4075	1313	13	?	?	PUNCT
framr-4075	1314	1	emerging	emerge	VERB
framr-4075	1314	2	markets	market	NOUN
framr-4075	1314	3	review	review	VERB
framr-4075	1314	4	,	,	PUNCT
framr-4075	1314	5	61	61	NUM
framr-4075	1314	6	,	,	PUNCT
framr-4075	1314	7	101164	101164	NUM
framr-4075	1314	8	.	.	PUNCT
framr-4075	1315	1	https://doi.org/10.1016/j.ememar.2024.101164	https://doi.org/10.1016/j.ememar.2024.101164	PROPN
framr-4075	1315	2	wang	wang	PROPN
framr-4075	1315	3	,	,	PUNCT
framr-4075	1315	4	j.	j.	PROPN
framr-4075	1315	5	s.	s.	PROPN
framr-4075	1315	6	(	(	PUNCT
framr-4075	1315	7	2021	2021	NUM
framr-4075	1315	8	)	)	PUNCT
framr-4075	1315	9	.	.	PUNCT
framr-4075	1316	1	exploring	explore	VERB
framr-4075	1316	2	biometric	biometric	ADJ
framr-4075	1316	3	identification	identification	NOUN
framr-4075	1316	4	in	in	ADP
framr-4075	1316	5	fintech	fintech	NOUN
framr-4075	1316	6	applications	application	NOUN
framr-4075	1316	7	based	base	VERB
framr-4075	1316	8	on	on	ADP
framr-4075	1316	9	the	the	DET
framr-4075	1316	10	modified	modify	VERB
framr-4075	1316	11	tam	tam	PROPN
framr-4075	1316	12	.	.	PUNCT
framr-4075	1316	13	financial	financial	ADJ
framr-4075	1316	14	innovation	innovation	NOUN
framr-4075	1316	15	,	,	PUNCT
framr-4075	1316	16	7(1	7(1	NUM
framr-4075	1316	17	)	)	PUNCT
framr-4075	1316	18	,	,	PUNCT
framr-4075	1316	19	42	42	NUM
framr-4075	1316	20	.	.	PUNCT
framr-4075	1317	1	https://doi.org/10.1186/s40854-021-00260-2	https://doi.org/10.1186/s40854-021-00260-2	PROPN
framr-4075	1317	2	wang	wang	PROPN
framr-4075	1317	3	,	,	PUNCT
framr-4075	1317	4	x.	x.	PROPN
framr-4075	1317	5	,	,	PUNCT
framr-4075	1317	6	xue	xue	PROPN
framr-4075	1317	7	,	,	PUNCT
framr-4075	1317	8	h.	h.	PROPN
framr-4075	1317	9	,	,	PUNCT
framr-4075	1317	10	liu	liu	PROPN
framr-4075	1317	11	,	,	PUNCT
framr-4075	1317	12	x.	x.	PROPN
framr-4075	1317	13	,	,	PUNCT
framr-4075	1317	14	&	&	CCONJ
framr-4075	1317	15	pei	pei	PROPN
framr-4075	1317	16	,	,	PUNCT
framr-4075	1317	17	q.	q.	PROPN
framr-4075	1317	18	(	(	PUNCT
framr-4075	1317	19	2019	2019	NUM
framr-4075	1317	20	)	)	PUNCT
framr-4075	1317	21	.	.	PUNCT
framr-4075	1318	1	a	a	DET
framr-4075	1318	2	privacy	privacy	NOUN
framr-4075	1318	3	-	-	PUNCT
framr-4075	1318	4	preserving	preserve	VERB
framr-4075	1318	5	edge	edge	NOUN
framr-4075	1318	6	computation	computation	NOUN
framr-4075	1318	7	-	-	PUNCT
framr-4075	1318	8	based	base	VERB
framr-4075	1318	9	face	face	NOUN
framr-4075	1318	10	verification	verification	NOUN
framr-4075	1318	11	system	system	NOUN
framr-4075	1318	12	for	for	ADP
framr-4075	1318	13	user	user	NOUN
framr-4075	1318	14	authentication	authentication	NOUN
framr-4075	1318	15	.	.	PUNCT
framr-4075	1319	1	ieee	ieee	NOUN
framr-4075	1319	2	access	access	NOUN
framr-4075	1319	3	,	,	PUNCT
framr-4075	1319	4	7	7	NUM
framr-4075	1319	5	,	,	PUNCT
framr-4075	1319	6	14186	14186	NUM
framr-4075	1319	7	-	-	SYM
framr-4075	1319	8	14197	14197	NUM
framr-4075	1319	9	.	.	PUNCT
framr-4075	1320	1	https://doi.org/10.1109/access.2019.2894535	https://doi.org/10.1109/access.2019.2894535	PROPN
framr-4075	1320	2	world	world	PROPN
framr-4075	1320	3	bank	bank	PROPN
framr-4075	1320	4	.	.	PUNCT
framr-4075	1321	1	(	(	PUNCT
framr-4075	1321	2	2022	2022	NUM
framr-4075	1321	3	)	)	PUNCT
framr-4075	1321	4	.	.	PUNCT
framr-4075	1322	1	financial	financial	ADJ
framr-4075	1322	2	inclusion	inclusion	NOUN
framr-4075	1322	3	overview	overview	NOUN
framr-4075	1322	4	.	.	PUNCT
framr-4075	1323	1	retrieved	retrieve	VERB
framr-4075	1323	2	from	from	ADP
framr-4075	1323	3	https://www.worldbank.org/en/home	https://www.worldbank.org/en/home	NOUN
framr-4075	1323	4	world	world	NOUN
framr-4075	1323	5	economic	economic	PROPN
framr-4075	1323	6	forum	forum	PROPN
framr-4075	1323	7	.	.	PUNCT
framr-4075	1324	1	(	(	PUNCT
framr-4075	1324	2	2022	2022	NUM
framr-4075	1324	3	)	)	PUNCT
framr-4075	1324	4	.	.	PUNCT
framr-4075	1325	1	global	global	ADJ
framr-4075	1325	2	risks	risk	NOUN
framr-4075	1325	3	report	report	VERB
framr-4075	1325	4	2022	2022	NUM
framr-4075	1325	5	.	.	PUNCT
framr-4075	1326	1	retrieved	retrieve	VERB
framr-4075	1326	2	from	from	ADP
framr-4075	1326	3	https://www.weforum.org/	https://www.weforum.org/	PROPN
framr-4075	1326	4	yahaya	yahaya	PROPN
framr-4075	1326	5	,	,	PUNCT
framr-4075	1326	6	m.	m.	PROPN
framr-4075	1326	7	h.	h.	PROPN
framr-4075	1326	8	,	,	PUNCT
framr-4075	1326	9	&	&	CCONJ
framr-4075	1326	10	ahmad	ahmad	PROPN
framr-4075	1326	11	,	,	PUNCT
framr-4075	1326	12	k.	k.	PROPN
framr-4075	1326	13	(	(	PUNCT
framr-4075	1326	14	2018	2018	NUM
framr-4075	1326	15	)	)	PUNCT
framr-4075	1326	16	.	.	PUNCT
framr-4075	1327	1	financial	financial	ADJ
framr-4075	1327	2	inclusion	inclusion	NOUN
framr-4075	1327	3	through	through	ADP
framr-4075	1327	4	efficient	efficient	ADJ
framr-4075	1327	5	zakat	zakat	NOUN
framr-4075	1327	6	distribution	distribution	NOUN
framr-4075	1327	7	for	for	ADP
framr-4075	1327	8	poverty	poverty	NOUN
framr-4075	1327	9	alleviation	alleviation	NOUN
framr-4075	1327	10	in	in	ADP
framr-4075	1327	11	malaysia	malaysia	PROPN
framr-4075	1327	12	:	:	PUNCT
framr-4075	1327	13	using	use	VERB
framr-4075	1327	14	fintech	fintech	NOUN
framr-4075	1327	15	&	&	CCONJ
framr-4075	1327	16	mobile	mobile	PROPN
framr-4075	1327	17	banking	banking	NOUN
framr-4075	1327	18	.	.	PUNCT
framr-4075	1328	1	paper	paper	NOUN
framr-4075	1328	2	presented	present	VERB
framr-4075	1328	3	at	at	ADP
framr-4075	1328	4	the	the	DET
framr-4075	1328	5	proceeding	proceeding	NOUN
framr-4075	1328	6	of	of	ADP
framr-4075	1328	7	the	the	DET
framr-4075	1328	8	5th	5th	ADJ
framr-4075	1328	9	international	international	ADJ
framr-4075	1328	10	conference	conference	NOUN
framr-4075	1328	11	on	on	ADP
framr-4075	1328	12	management	management	NOUN
framr-4075	1328	13	and	and	CCONJ
framr-4075	1328	14	muamalah	muamalah	ADJ
framr-4075	1328	15	.	.	PUNCT
framr-4075	1329	1	pp	pp	ADJ
framr-4075	1329	2	.	.	PUNCT
framr-4075	1330	1	15	15	NUM
framr-4075	1330	2	-	-	SYM
framr-4075	1330	3	31	31	NUM
framr-4075	1330	4	.	.	PUNCT
framr-4075	1330	5	yenkey	yenkey	PROPN
framr-4075	1330	6	,	,	PUNCT
framr-4075	1330	7	c.	c.	PROPN
framr-4075	1330	8	b.	b.	PROPN
framr-4075	1330	9	(	(	PUNCT
framr-4075	1330	10	2018	2018	NUM
framr-4075	1330	11	)	)	PUNCT
framr-4075	1330	12	.	.	PUNCT
framr-4075	1331	1	fraud	fraud	NOUN
framr-4075	1331	2	and	and	CCONJ
framr-4075	1331	3	market	market	NOUN
framr-4075	1331	4	participation	participation	NOUN
framr-4075	1331	5	:	:	PUNCT
framr-4075	1331	6	social	social	ADJ
framr-4075	1331	7	relations	relation	NOUN
framr-4075	1331	8	as	as	ADP
framr-4075	1331	9	a	a	DET
framr-4075	1331	10	moderator	moderator	NOUN
framr-4075	1331	11	of	of	ADP
framr-4075	1331	12	organizational	organizational	ADJ
framr-4075	1331	13	misconduct	misconduct	NOUN
framr-4075	1331	14	.	.	PUNCT
framr-4075	1332	1	administrative	administrative	ADJ
framr-4075	1332	2	science	science	PROPN
framr-4075	1332	3	quarterly	quarterly	PROPN
framr-4075	1332	4	,	,	PUNCT
framr-4075	1332	5	63(1	63(1	NUM
framr-4075	1332	6	)	)	PUNCT
framr-4075	1332	7	,	,	PUNCT
framr-4075	1332	8	43	43	NUM
framr-4075	1332	9	-	-	SYM
framr-4075	1332	10	84	84	NUM
framr-4075	1332	11	.	.	PUNCT
framr-4075	1333	1	https://doi.org/10.1177/0001839217694359	https://doi.org/10.1177/0001839217694359	PROPN
framr-4075	1333	2	yerram	yerram	PROPN
framr-4075	1333	3	,	,	PUNCT
framr-4075	1333	4	s.	s.	PROPN
framr-4075	1333	5	r.	r.	PROPN
framr-4075	1333	6	,	,	PUNCT
framr-4075	1333	7	goda	goda	PROPN
framr-4075	1333	8	,	,	PUNCT
framr-4075	1333	9	d.	d.	PROPN
framr-4075	1333	10	r.	r.	PROPN
framr-4075	1333	11	,	,	PUNCT
framr-4075	1333	12	mahadasa	mahadasa	PROPN
framr-4075	1333	13	,	,	PUNCT
framr-4075	1333	14	r.	r.	PROPN
framr-4075	1333	15	,	,	PUNCT
framr-4075	1333	16	mallipeddi	mallipeddi	PROPN
framr-4075	1333	17	,	,	PUNCT
framr-4075	1333	18	s.	s.	PROPN
framr-4075	1333	19	r.	r.	PROPN
framr-4075	1333	20	,	,	PUNCT
framr-4075	1333	21	varghese	varghese	PROPN
framr-4075	1333	22	,	,	PUNCT
framr-4075	1333	23	a.	a.	NOUN
framr-4075	1333	24	,	,	PUNCT
framr-4075	1333	25	ande	ande	PROPN
framr-4075	1333	26	,	,	PUNCT
framr-4075	1333	27	j.	j.	PROPN
framr-4075	1333	28	,	,	PUNCT
framr-4075	1333	29	.	.	PUNCT
framr-4075	1333	30	.	.	PUNCT
framr-4075	1333	31	.	.	PUNCT
framr-4075	1334	1	dekkati	dekkati	PROPN
framr-4075	1334	2	,	,	PUNCT
framr-4075	1334	3	s.	s.	PROPN
framr-4075	1334	4	(	(	PUNCT
framr-4075	1334	5	2021	2021	NUM
framr-4075	1334	6	)	)	PUNCT
framr-4075	1334	7	.	.	PUNCT
framr-4075	1335	1	the	the	DET
framr-4075	1335	2	role	role	NOUN
framr-4075	1335	3	of	of	ADP
framr-4075	1335	4	blockchain	blockchain	PROPN
framr-4075	1335	5	technology	technology	PROPN
framr-4075	1335	6	in	in	ADP
framr-4075	1335	7	enhancing	enhance	VERB
framr-4075	1335	8	financial	financial	ADJ
framr-4075	1335	9	security	security	NOUN
framr-4075	1335	10	amidst	amidst	ADP
framr-4075	1335	11	digital	digital	ADJ
framr-4075	1335	12	transformation	transformation	NOUN
framr-4075	1335	13	.	.	PUNCT
framr-4075	1336	1	asian	asian	ADJ
framr-4075	1336	2	business	business	PROPN
framr-4075	1336	3	review	review	PROPN
framr-4075	1336	4	,	,	PUNCT
framr-4075	1336	5	11(3	11(3	NUM
framr-4075	1336	6	)	)	PUNCT
framr-4075	1336	7	,	,	PUNCT
framr-4075	1336	8	125	125	NUM
framr-4075	1336	9	-	-	SYM
framr-4075	1336	10	134	134	NUM
framr-4075	1336	11	.	.	PUNCT
framr-4075	1337	1	https://doi.org/10.18034/abr.v11i3.694	https://doi.org/10.18034/abr.v11i3.694	PROPN
framr-4075	1337	2	zakaria	zakaria	PROPN
framr-4075	1337	3	,	,	PUNCT
framr-4075	1337	4	p.	p.	NOUN
framr-4075	1337	5	(	(	PUNCT
framr-4075	1337	6	2023	2023	NUM
framr-4075	1337	7	)	)	PUNCT
framr-4075	1337	8	.	.	PUNCT
framr-4075	1338	1	financial	financial	ADJ
framr-4075	1338	2	inclusion	inclusion	NOUN
framr-4075	1338	3	to	to	ADP
framr-4075	1338	4	digital	digital	ADJ
framr-4075	1338	5	finance	finance	NOUN
framr-4075	1338	6	risks	risk	NOUN
framr-4075	1338	7	:	:	PUNCT
framr-4075	1338	8	a	a	DET
framr-4075	1338	9	commentary	commentary	NOUN
framr-4075	1338	10	on	on	ADP
framr-4075	1338	11	financial	financial	ADJ
framr-4075	1338	12	crimes	crime	NOUN
framr-4075	1338	13	,	,	PUNCT
framr-4075	1338	14	money	money	NOUN
framr-4075	1338	15	laundering	laundering	NOUN
framr-4075	1338	16	,	,	PUNCT
framr-4075	1338	17	and	and	CCONJ
framr-4075	1338	18	fraud	fraud	NOUN
framr-4075	1338	19	.	.	PUNCT
framr-4075	1339	1	in	in	ADP
framr-4075	1339	2	financial	financial	ADJ
framr-4075	1339	3	technologies	technology	NOUN
framr-4075	1339	4	and	and	CCONJ
framr-4075	1339	5	defi	defi	PROPN
framr-4075	1339	6	:	:	PUNCT
framr-4075	1339	7	a	a	DET
framr-4075	1339	8	revisit	revisit	NOUN
framr-4075	1339	9	to	to	ADP
framr-4075	1339	10	the	the	DET
framr-4075	1339	11	digital	digital	ADJ
framr-4075	1339	12	finance	finance	NOUN
framr-4075	1339	13	revolution	revolution	NOUN
framr-4075	1339	14	.	.	PUNCT
framr-4075	1340	1	in	in	ADP
framr-4075	1340	2	(	(	PUNCT
framr-4075	1340	3	pp	pp	ADJ
framr-4075	1340	4	.	.	PUNCT
framr-4075	1340	5	123	123	NUM
framr-4075	1340	6	-	-	SYM
framr-4075	1340	7	130	130	NUM
framr-4075	1340	8	)	)	PUNCT
framr-4075	1340	9	.	.	PUNCT
framr-4075	1341	1	cham	cham	PROPN
framr-4075	1341	2	:	:	PUNCT
framr-4075	1341	3	springer	springer	NOUN
framr-4075	1341	4	international	international	ADJ
framr-4075	1341	5	publishing	publishing	NOUN
framr-4075	1341	6	.	.	PUNCT
framr-4075	1342	1	zeidy	zeidy	PROPN
framr-4075	1342	2	,	,	PUNCT
framr-4075	1342	3	i.	i.	PROPN
framr-4075	1342	4	a.	a.	PROPN
framr-4075	1342	5	(	(	PUNCT
framr-4075	1342	6	2022	2022	NUM
framr-4075	1342	7	)	)	PUNCT
framr-4075	1342	8	.	.	PUNCT
framr-4075	1343	1	the	the	DET
framr-4075	1343	2	role	role	NOUN
framr-4075	1343	3	of	of	ADP
framr-4075	1343	4	financial	financial	ADJ
framr-4075	1343	5	technology	technology	NOUN
framr-4075	1343	6	(	(	PUNCT
framr-4075	1343	7	fintech	fintech	NOUN
framr-4075	1343	8	)	)	PUNCT
framr-4075	1343	9	in	in	ADP
framr-4075	1343	10	changing	change	VERB
framr-4075	1343	11	financial	financial	ADJ
framr-4075	1343	12	industry	industry	NOUN
framr-4075	1343	13	and	and	CCONJ
framr-4075	1343	14	increasing	increase	VERB
framr-4075	1343	15	efficiency	efficiency	NOUN
framr-4075	1343	16	in	in	ADP
framr-4075	1343	17	the	the	DET
framr-4075	1343	18	economy	economy	NOUN
framr-4075	1343	19	.	.	PUNCT
framr-4075	1344	1	comesa	comesa	PROPN
framr-4075	1344	2	monetary	monetary	PROPN
framr-4075	1344	3	institute	institute	PROPN
framr-4075	1344	4	.	.	PUNCT
framr-4075	1345	1	retrieved	retrieve	VERB
framr-4075	1345	2	from	from	ADP
framr-4075	1345	3	https://www.comesa.int/wp-content/uploads/2022/05/the-role-offinancial-technology.pdf	https://www.comesa.int/wp-content/uploads/2022/05/the-role-offinancial-technology.pdf	PROPN
framr-4075	1345	4	zhu	zhu	PROPN
framr-4075	1345	5	,	,	PUNCT
framr-4075	1345	6	y.	y.	PROPN
framr-4075	1345	7	,	,	PUNCT
framr-4075	1345	8	li	li	PROPN
framr-4075	1345	9	,	,	PUNCT
framr-4075	1345	10	x.	x.	PROPN
framr-4075	1345	11	,	,	PUNCT
framr-4075	1345	12	wang	wang	PROPN
framr-4075	1345	13	,	,	PUNCT
framr-4075	1345	14	j.	j.	PROPN
framr-4075	1345	15	,	,	PUNCT
framr-4075	1345	16	&	&	CCONJ
framr-4075	1345	17	li	li	PROPN
framr-4075	1345	18	,	,	PUNCT
framr-4075	1345	19	j.	j.	PROPN
framr-4075	1345	20	(	(	PUNCT
framr-4075	1345	21	2020	2020	NUM
framr-4075	1345	22	)	)	PUNCT
framr-4075	1345	23	.	.	PUNCT
framr-4075	1346	1	cloud	cloud	NOUN
framr-4075	1346	2	-	-	PUNCT
framr-4075	1346	3	assisted	assist	VERB
framr-4075	1346	4	secure	secure	ADJ
framr-4075	1346	5	biometric	biometric	ADJ
framr-4075	1346	6	identification	identification	NOUN
framr-4075	1346	7	with	with	ADP
framr-4075	1346	8	sub	sub	ADJ
framr-4075	1346	9	-	-	ADJ
framr-4075	1346	10	linear	linear	ADJ
framr-4075	1346	11	search	search	NOUN
framr-4075	1346	12	efficiency	efficiency	NOUN
framr-4075	1346	13	.	.	PUNCT
framr-4075	1347	1	soft	soft	ADJ
framr-4075	1347	2	computing	computing	NOUN
framr-4075	1347	3	,	,	PUNCT
framr-4075	1347	4	24(8	24(8	NUM
framr-4075	1347	5	)	)	PUNCT
framr-4075	1347	6	,	,	PUNCT
framr-4075	1347	7	5885	5885	NUM
framr-4075	1347	8	-	-	SYM
framr-4075	1347	9	5896	5896	NUM
framr-4075	1347	10	.	.	PUNCT
framr-4075	1348	1	https://doi.org/10.1007/s00500-019-04401-9	https://doi.org/10.1007/s00500-019-04401-9	NUM
framr-4075	1348	2	views	view	NOUN
framr-4075	1348	3	and	and	CCONJ
framr-4075	1348	4	opinions	opinion	NOUN
framr-4075	1348	5	expressed	express	VERB
framr-4075	1348	6	in	in	ADP
framr-4075	1348	7	this	this	DET
framr-4075	1348	8	article	article	NOUN
framr-4075	1348	9	are	be	AUX
framr-4075	1348	10	the	the	DET
framr-4075	1348	11	views	view	NOUN
framr-4075	1348	12	and	and	CCONJ
framr-4075	1348	13	opinions	opinion	NOUN
framr-4075	1348	14	of	of	ADP
framr-4075	1348	15	the	the	DET
framr-4075	1348	16	author(s	author(s	NOUN
framr-4075	1348	17	)	)	PUNCT
framr-4075	1348	18	,	,	PUNCT
framr-4075	1348	19	financial	financial	ADJ
framr-4075	1348	20	risk	risk	NOUN
framr-4075	1348	21	and	and	CCONJ
framr-4075	1348	22	management	management	NOUN
framr-4075	1348	23	reviews	review	NOUN
framr-4075	1348	24	shall	shall	AUX
framr-4075	1348	25	not	not	PART
framr-4075	1348	26	be	be	AUX
framr-4075	1348	27	responsible	responsible	ADJ
framr-4075	1348	28	or	or	CCONJ
framr-4075	1348	29	answerable	answerable	ADJ
framr-4075	1348	30	for	for	ADP
framr-4075	1348	31	any	any	DET
framr-4075	1348	32	loss	loss	NOUN
framr-4075	1348	33	,	,	PUNCT
framr-4075	1348	34	damage	damage	NOUN
framr-4075	1348	35	or	or	CCONJ
framr-4075	1348	36	liability	liability	NOUN
framr-4075	1348	37	etc	etc	X
framr-4075	1348	38	.	.	X
framr-4075	1348	39	caused	cause	VERB
framr-4075	1348	40	in	in	ADP
framr-4075	1348	41	relation	relation	NOUN
framr-4075	1348	42	to	to	PART
framr-4075	1348	43	/	/	PUNCT
framr-4075	1348	44	arising	arise	VERB
framr-4075	1348	45	out	out	ADP
framr-4075	1348	46	of	of	ADP
framr-4075	1348	47	the	the	DET
framr-4075	1348	48	use	use	NOUN
framr-4075	1348	49	of	of	ADP
framr-4075	1348	50	the	the	DET
framr-4075	1348	51	content	content	NOUN
framr-4075	1348	52	.	.	PUNCT
framr-4075	1349	1	https://doi.org/10.5089/9798400232213.001	https://doi.org/10.5089/9798400232213.001	DET
framr-4075	1349	2	https://doi.org/10.1108/s1569-375920200000102019	https://doi.org/10.1108/s1569-375920200000102019	PROPN
framr-4075	1349	3	https://doi.org/10.23856/5842	https://doi.org/10.23856/5842	ADV
framr-4075	1349	4	https://doi.org/10.1016/j.jretai.2015.02.005	https://doi.org/10.1016/j.jretai.2015.02.005	PROPN
framr-4075	1349	5	https://doi.org/10.1016/j.ememar.2024.101164	https://doi.org/10.1016/j.ememar.2024.101164	NOUN
framr-4075	1349	6	https://doi.org/10.1186/s40854-021-00260-2	https://doi.org/10.1186/s40854-021-00260-2	PROPN
framr-4075	1350	1	https://doi.org/10.1109/access.2019.2894535	https://doi.org/10.1109/access.2019.2894535	PROPN
framr-4075	1351	1	https://www.worldbank.org/en/home	https://www.worldbank.org/en/home	PROPN
framr-4075	1351	2	https://www.weforum.org/	https://www.weforum.org/	VERB
framr-4075	1351	3	https://doi.org/10.1177/0001839217694359	https://doi.org/10.1177/0001839217694359	VERB
framr-4075	1352	1	https://doi.org/10.18034/abr.v11i3.694	https://doi.org/10.18034/abr.v11i3.694	PRON
framr-4075	1352	2	https://www.comesa.int/wp-content/uploads/2022/05/the-role-of-financial-technology.pdf	https://www.comesa.int/wp-content/uploads/2022/05/the-role-of-financial-technology.pdf	PROPN
framr-4075	1352	3	https://www.comesa.int/wp-content/uploads/2022/05/the-role-of-financial-technology.pdf	https://www.comesa.int/wp-content/uploads/2022/05/the-role-of-financial-technology.pdf	NOUN
framr-4075	1352	4	https://doi.org/10.1007/s00500-019-04401-9	https://doi.org/10.1007/s00500-019-04401-9	NUM