id	sid	tid	token	lemma	pos
framr-4076	1	1	37	37	NUM
framr-4076	1	2	©	©	PROPN
framr-4076	1	3	2025	2025	NUM
framr-4076	1	4	conscientia	conscientia	PROPN
framr-4076	1	5	beam	beam	PROPN
framr-4076	1	6	.	.	PUNCT
framr-4076	2	1	all	all	DET
framr-4076	2	2	rights	right	NOUN
framr-4076	2	3	reserved	reserve	VERB
framr-4076	2	4	.	.	PUNCT
framr-4076	3	1	greenwashing	greenwashe	VERB
framr-4076	3	2	within	within	ADP
framr-4076	3	3	the	the	DET
framr-4076	3	4	context	context	NOUN
framr-4076	3	5	of	of	ADP
framr-4076	3	6	financial	financial	ADJ
framr-4076	3	7	technology	technology	NOUN
framr-4076	3	8	and	and	CCONJ
framr-4076	3	9	sustainable	sustainable	ADJ
framr-4076	3	10	development	development	NOUN
framr-4076	3	11	:	:	PUNCT
framr-4076	3	12	conceptual	conceptual	ADJ
framr-4076	3	13	frameworks	framework	NOUN
framr-4076	3	14	and	and	CCONJ
framr-4076	3	15	theoretical	theoretical	ADJ
framr-4076	3	16	perspectives	perspective	NOUN
framr-4076	3	17	tipon	tipon	ADP
framr-4076	3	18	tanchangya1	tanchangya1	NOUN
framr-4076	3	19	+	+	CCONJ
framr-4076	3	20	asif	asif	PROPN
framr-4076	3	21	raihan2	raihan2	PROPN
framr-4076	3	22	md	md	PROPN
framr-4076	3	23	rakib	rakib	PROPN
framr-4076	3	24	mia3	mia3	PROPN
framr-4076	3	25	ummah	ummah	PROPN
framr-4076	3	26	tafsirun4	tafsirun4	PROPN
framr-4076	3	27	kamron	kamron	PROPN
framr-4076	3	28	naher5	naher5	PROPN
framr-4076	3	29	naimul	naimul	PROPN
framr-4076	3	30	islam6	islam6	PROPN
framr-4076	4	1	fahad	fahad	VERB
framr-4076	4	2	rashid7	rashid7	PROPN
framr-4076	5	1	shoaibur	shoaibur	PROPN
framr-4076	5	2	rahman	rahman	PROPN
framr-4076	5	3	sarker8	sarker8	PROPN
framr-4076	6	1	1department	1department	NUM
framr-4076	6	2	of	of	ADP
framr-4076	6	3	finance	finance	NOUN
framr-4076	6	4	,	,	PUNCT
framr-4076	6	5	university	university	PROPN
framr-4076	6	6	of	of	ADP
framr-4076	6	7	chittagong	chittagong	PROPN
framr-4076	6	8	,	,	PUNCT
framr-4076	6	9	chittagong	chittagong	PROPN
framr-4076	6	10	4331	4331	NUM
framr-4076	6	11	,	,	PUNCT
framr-4076	6	12	bangladesh	bangladesh	PROPN
framr-4076	6	13	.	.	PUNCT
framr-4076	7	1	email	email	NOUN
framr-4076	7	2	:	:	PUNCT
framr-4076	7	3	tipon.tcg.edu@gmail.com	tipon.tcg.edu@gmail.com	X
framr-4076	7	4	2institute	2institute	NUM
framr-4076	7	5	of	of	ADP
framr-4076	7	6	climate	climate	NOUN
framr-4076	7	7	change	change	NOUN
framr-4076	7	8	,	,	PUNCT
framr-4076	7	9	universiti	universiti	PROPN
framr-4076	7	10	kebangsaan	kebangsaan	PROPN
framr-4076	7	11	malaysia	malaysia	PROPN
framr-4076	7	12	,	,	PUNCT
framr-4076	7	13	bangi	bangi	VERB
framr-4076	7	14	43600	43600	NUM
framr-4076	7	15	,	,	PUNCT
framr-4076	8	1	malaysia	malaysia	PROPN
framr-4076	8	2	.	.	PUNCT
framr-4076	8	3	email	email	NOUN
framr-4076	8	4	:	:	PUNCT
framr-4076	8	5	asifraihan666@gmail.com	asifraihan666@gmail.com	X
framr-4076	9	1	3department	3department	NUM
framr-4076	9	2	of	of	ADP
framr-4076	9	3	business	business	PROPN
framr-4076	9	4	administration	administration	NOUN
framr-4076	9	5	,	,	PUNCT
framr-4076	9	6	ahsanullah	ahsanullah	PROPN
framr-4076	9	7	university	university	PROPN
framr-4076	9	8	of	of	ADP
framr-4076	9	9	science	science	NOUN
framr-4076	9	10	and	and	CCONJ
framr-4076	9	11	technology	technology	NOUN
framr-4076	9	12	,	,	PUNCT
framr-4076	9	13	dhaka	dhaka	PROPN
framr-4076	9	14	-1212	-1212	PROPN
framr-4076	9	15	bangladesh	bangladesh	PROPN
framr-4076	9	16	.	.	PUNCT
framr-4076	10	1	email	email	NOUN
framr-4076	10	2	:	:	PUNCT
framr-4076	10	3	mdrakibmia087@gmail.com	mdrakibmia087@gmail.com	PROPN
framr-4076	11	1	4department	4department	NUM
framr-4076	11	2	of	of	ADP
framr-4076	11	3	business	business	PROPN
framr-4076	11	4	administration	administration	NOUN
framr-4076	11	5	,	,	PUNCT
framr-4076	11	6	noakhali	noakhali	PROPN
framr-4076	11	7	science	science	PROPN
framr-4076	11	8	&	&	CCONJ
framr-4076	11	9	technology	technology	PROPN
framr-4076	11	10	university	university	PROPN
framr-4076	11	11	,	,	PUNCT
framr-4076	11	12	noakhali-3814	noakhali-3814	NOUN
framr-4076	11	13	,	,	PUNCT
framr-4076	11	14	bangladesh	bangladesh	NOUN
framr-4076	11	15	.	.	PUNCT
framr-4076	12	1	email	email	NOUN
framr-4076	12	2	:	:	PUNCT
framr-4076	12	3	ummah.tafsirun@gmail.com	ummah.tafsirun@gmail.com	X
framr-4076	12	4	5department	5department	NUM
framr-4076	12	5	of	of	ADP
framr-4076	12	6	business	business	NOUN
framr-4076	12	7	,	,	PUNCT
framr-4076	12	8	presidency	presidency	NOUN
framr-4076	12	9	university	university	NOUN
framr-4076	12	10	,	,	PUNCT
framr-4076	12	11	dhaka-1212	dhaka-1212	ADJ
framr-4076	12	12	,	,	PUNCT
framr-4076	12	13	bangladesh	bangladesh	NOUN
framr-4076	12	14	.	.	PUNCT
framr-4076	13	1	email	email	NOUN
framr-4076	13	2	:	:	PUNCT
framr-4076	13	3	naherk@pu.edu.bd	naherk@pu.edu.bd	PROPN
framr-4076	13	4	6department	6department	NUM
framr-4076	13	5	of	of	ADP
framr-4076	13	6	accounting	accounting	NOUN
framr-4076	13	7	,	,	PUNCT
framr-4076	13	8	finance	finance	NOUN
framr-4076	13	9	and	and	CCONJ
framr-4076	13	10	economics	economic	NOUN
framr-4076	13	11	,	,	PUNCT
framr-4076	13	12	university	university	NOUN
framr-4076	13	13	of	of	ADP
framr-4076	13	14	greenwich	greenwich	PROPN
framr-4076	13	15	,	,	PUNCT
framr-4076	13	16	london	london	PROPN
framr-4076	14	1	se10	se10	PROPN
framr-4076	14	2	9ls	9ls	NOUN
framr-4076	14	3	,	,	PUNCT
framr-4076	14	4	uk	uk	PROPN
framr-4076	14	5	.	.	PROPN
framr-4076	14	6	email	email	NOUN
framr-4076	14	7	:	:	PUNCT
framr-4076	15	1	naimmgtdu75@gmail.com	naimmgtdu75@gmail.com	X
framr-4076	15	2	7centre	7centre	NUM
framr-4076	15	3	for	for	ADP
framr-4076	15	4	islamic	islamic	ADJ
framr-4076	15	5	finance	finance	NOUN
framr-4076	15	6	,	,	PUNCT
framr-4076	15	7	university	university	PROPN
framr-4076	15	8	of	of	ADP
framr-4076	15	9	bolton	bolton	PROPN
framr-4076	15	10	,	,	PUNCT
framr-4076	15	11	bolton	bolton	PROPN
framr-4076	15	12	bl3	bl3	PROPN
framr-4076	15	13	5ab	5ab	NOUN
framr-4076	15	14	,	,	PUNCT
framr-4076	15	15	uk	uk	PROPN
framr-4076	15	16	.	.	PROPN
framr-4076	15	17	email	email	NOUN
framr-4076	15	18	:	:	PUNCT
framr-4076	15	19	fr7bbs@bolton.ac.uk	fr7bbs@bolton.ac.uk	NOUN
framr-4076	15	20	8school	8school	NUM
framr-4076	15	21	of	of	ADP
framr-4076	15	22	business	business	NOUN
framr-4076	15	23	and	and	CCONJ
framr-4076	15	24	law	law	NOUN
framr-4076	15	25	,	,	PUNCT
framr-4076	15	26	northumbria	northumbria	PROPN
framr-4076	15	27	university	university	PROPN
framr-4076	15	28	,	,	PUNCT
framr-4076	15	29	110	110	NUM
framr-4076	15	30	-	-	SYM
framr-4076	15	31	114	114	NUM
framr-4076	15	32	middlesex	middlesex	NOUN
framr-4076	15	33	street	street	NOUN
framr-4076	15	34	,	,	PUNCT
framr-4076	15	35	e1	e1	NOUN
framr-4076	15	36	7ht	7ht	NOUN
framr-4076	15	37	,	,	PUNCT
framr-4076	15	38	london	london	PROPN
framr-4076	15	39	,	,	PUNCT
framr-4076	15	40	uk	uk	PROPN
framr-4076	15	41	.	.	PROPN
framr-4076	15	42	email	email	NOUN
framr-4076	15	43	:	:	PUNCT
framr-4076	15	44	shoaibur.fin.du@gmail.com	shoaibur.fin.du@gmail.com	X
framr-4076	15	45	(	(	PUNCT
framr-4076	15	46	+	+	NUM
framr-4076	15	47	corresponding	correspond	VERB
framr-4076	15	48	author	author	NOUN
framr-4076	15	49	)	)	PUNCT
framr-4076	15	50	abstract	abstract	ADJ
framr-4076	15	51	article	article	NOUN
framr-4076	15	52	history	history	NOUN
framr-4076	15	53	received	receive	VERB
framr-4076	15	54	:	:	PUNCT
framr-4076	15	55	2	2	NUM
framr-4076	15	56	december	december	PROPN
framr-4076	15	57	2024	2024	NUM
framr-4076	15	58	revised	revise	VERB
framr-4076	15	59	:	:	PUNCT
framr-4076	15	60	6	6	NUM
framr-4076	15	61	january	january	NOUN
framr-4076	15	62	2025	2025	NUM
framr-4076	15	63	accepted	accept	VERB
framr-4076	15	64	:	:	PUNCT
framr-4076	15	65	27	27	NUM
framr-4076	15	66	january	january	NOUN
framr-4076	15	67	205	205	NUM
framr-4076	15	68	published	publish	VERB
framr-4076	15	69	:	:	PUNCT
framr-4076	15	70	31	31	NUM
framr-4076	15	71	january	january	NOUN
framr-4076	15	72	2025	2025	NUM
framr-4076	15	73	keywords	keyword	VERB
framr-4076	15	74	conceptual	conceptual	ADJ
framr-4076	15	75	framework	framework	NOUN
framr-4076	15	76	financial	financial	ADJ
framr-4076	15	77	technology	technology	NOUN
framr-4076	15	78	greenwashing	greenwashe	VERB
framr-4076	15	79	sustainable	sustainable	ADJ
framr-4076	15	80	development	development	NOUN
framr-4076	15	81	goals	goal	NOUN
framr-4076	15	82	theoretical	theoretical	ADJ
framr-4076	15	83	background	background	NOUN
framr-4076	15	84	.	.	PUNCT
framr-4076	16	1	the	the	DET
framr-4076	16	2	study	study	NOUN
framr-4076	16	3	aims	aim	VERB
framr-4076	16	4	to	to	PART
framr-4076	16	5	explore	explore	VERB
framr-4076	16	6	the	the	DET
framr-4076	16	7	greenwashing	greenwashing	NOUN
framr-4076	16	8	phenomenon	phenomenon	NOUN
framr-4076	16	9	in	in	ADP
framr-4076	16	10	the	the	DET
framr-4076	16	11	context	context	NOUN
framr-4076	16	12	of	of	ADP
framr-4076	16	13	fintech	fintech	NOUN
framr-4076	16	14	and	and	CCONJ
framr-4076	16	15	sustainable	sustainable	ADJ
framr-4076	16	16	development	development	NOUN
framr-4076	16	17	and	and	CCONJ
framr-4076	16	18	analyze	analyze	VERB
framr-4076	16	19	the	the	DET
framr-4076	16	20	conceptual	conceptual	ADJ
framr-4076	16	21	frameworks	framework	NOUN
framr-4076	16	22	and	and	CCONJ
framr-4076	16	23	theoretical	theoretical	ADJ
framr-4076	16	24	perspectives	perspective	NOUN
framr-4076	16	25	that	that	PRON
framr-4076	16	26	connect	connect	VERB
framr-4076	16	27	greenwashing	greenwashing	NOUN
framr-4076	16	28	,	,	PUNCT
framr-4076	16	29	fintech	fintech	NOUN
framr-4076	16	30	,	,	PUNCT
framr-4076	16	31	and	and	CCONJ
framr-4076	16	32	sustainable	sustainable	ADJ
framr-4076	16	33	development	development	NOUN
framr-4076	16	34	.	.	PUNCT
framr-4076	17	1	a	a	DET
framr-4076	17	2	qualitative	qualitative	ADJ
framr-4076	17	3	approach	approach	NOUN
framr-4076	17	4	was	be	AUX
framr-4076	17	5	employed	employ	VERB
framr-4076	17	6	in	in	ADP
framr-4076	17	7	this	this	DET
framr-4076	17	8	research	research	NOUN
framr-4076	17	9	,	,	PUNCT
framr-4076	17	10	which	which	PRON
framr-4076	17	11	was	be	AUX
framr-4076	17	12	primarily	primarily	ADV
framr-4076	17	13	based	base	VERB
framr-4076	17	14	on	on	ADP
framr-4076	17	15	secondary	secondary	ADJ
framr-4076	17	16	data	datum	NOUN
framr-4076	17	17	.	.	PUNCT
framr-4076	18	1	the	the	DET
framr-4076	18	2	findings	finding	NOUN
framr-4076	18	3	show	show	VERB
framr-4076	18	4	that	that	SCONJ
framr-4076	18	5	fintech	fintech	NOUN
framr-4076	18	6	significantly	significantly	ADV
framr-4076	18	7	contributes	contribute	VERB
framr-4076	18	8	to	to	ADP
framr-4076	18	9	sustainability	sustainability	NOUN
framr-4076	18	10	by	by	ADP
framr-4076	18	11	promoting	promote	VERB
framr-4076	18	12	environmental	environmental	ADJ
framr-4076	18	13	conservation	conservation	NOUN
framr-4076	18	14	,	,	PUNCT
framr-4076	18	15	economic	economic	ADJ
framr-4076	18	16	growth	growth	NOUN
framr-4076	18	17	,	,	PUNCT
framr-4076	18	18	and	and	CCONJ
framr-4076	18	19	financial	financial	ADJ
framr-4076	18	20	inclusion	inclusion	NOUN
framr-4076	18	21	across	across	ADP
framr-4076	18	22	various	various	ADJ
framr-4076	18	23	sdg	sdg	NOUN
framr-4076	18	24	domains	domain	NOUN
framr-4076	18	25	.	.	PUNCT
framr-4076	19	1	additionally	additionally	ADV
framr-4076	19	2	,	,	PUNCT
framr-4076	19	3	the	the	DET
framr-4076	19	4	theoretical	theoretical	ADJ
framr-4076	19	5	perspectives	perspective	NOUN
framr-4076	19	6	examine	examine	VERB
framr-4076	19	7	key	key	ADJ
framr-4076	19	8	theories	theory	NOUN
framr-4076	19	9	(	(	PUNCT
framr-4076	19	10	stakeholder	stakeholder	NOUN
framr-4076	19	11	theory	theory	NOUN
framr-4076	19	12	,	,	PUNCT
framr-4076	19	13	legitimacy	legitimacy	NOUN
framr-4076	19	14	theory	theory	NOUN
framr-4076	19	15	,	,	PUNCT
framr-4076	19	16	signaling	signal	VERB
framr-4076	19	17	theory	theory	NOUN
framr-4076	19	18	,	,	PUNCT
framr-4076	19	19	and	and	CCONJ
framr-4076	19	20	institutional	institutional	ADJ
framr-4076	19	21	theory	theory	NOUN
framr-4076	19	22	)	)	PUNCT
framr-4076	19	23	and	and	CCONJ
framr-4076	19	24	highlight	highlight	VERB
framr-4076	19	25	how	how	SCONJ
framr-4076	19	26	greenwashing	greenwashing	NOUN
framr-4076	19	27	practices	practice	NOUN
framr-4076	19	28	might	might	AUX
framr-4076	19	29	influence	influence	VERB
framr-4076	19	30	the	the	DET
framr-4076	19	31	fintech	fintech	NOUN
framr-4076	19	32	sector	sector	NOUN
framr-4076	19	33	.	.	PUNCT
framr-4076	20	1	furthermore	furthermore	ADV
framr-4076	20	2	,	,	PUNCT
framr-4076	20	3	this	this	DET
framr-4076	20	4	study	study	NOUN
framr-4076	20	5	draws	draw	VERB
framr-4076	20	6	attention	attention	NOUN
framr-4076	20	7	to	to	ADP
framr-4076	20	8	the	the	DET
framr-4076	20	9	potential	potential	ADJ
framr-4076	20	10	economic	economic	ADJ
framr-4076	20	11	,	,	PUNCT
framr-4076	20	12	social	social	ADJ
framr-4076	20	13	,	,	PUNCT
framr-4076	20	14	and	and	CCONJ
framr-4076	20	15	environmental	environmental	ADJ
framr-4076	20	16	impact	impact	NOUN
framr-4076	20	17	of	of	ADP
framr-4076	20	18	greenwashing	greenwashe	VERB
framr-4076	20	19	on	on	ADP
framr-4076	20	20	fintech	fintech	NOUN
framr-4076	20	21	.	.	PUNCT
framr-4076	21	1	finally	finally	ADV
framr-4076	21	2	,	,	PUNCT
framr-4076	21	3	the	the	DET
framr-4076	21	4	study	study	NOUN
framr-4076	21	5	offers	offer	VERB
framr-4076	21	6	valuable	valuable	ADJ
framr-4076	21	7	insights	insight	NOUN
framr-4076	21	8	for	for	ADP
framr-4076	21	9	strategy	strategy	NOUN
framr-4076	21	10	formulation	formulation	NOUN
framr-4076	21	11	to	to	PART
framr-4076	21	12	prevent	prevent	VERB
framr-4076	21	13	companies	company	NOUN
framr-4076	21	14	from	from	ADP
framr-4076	21	15	making	make	VERB
framr-4076	21	16	misleading	mislead	VERB
framr-4076	21	17	environmental	environmental	ADJ
framr-4076	21	18	claims	claim	NOUN
framr-4076	21	19	.	.	PUNCT
framr-4076	22	1	above	above	ADP
framr-4076	22	2	all	all	PRON
framr-4076	22	3	,	,	PUNCT
framr-4076	22	4	the	the	DET
framr-4076	22	5	present	present	ADJ
framr-4076	22	6	study	study	NOUN
framr-4076	22	7	makes	make	VERB
framr-4076	22	8	a	a	DET
framr-4076	22	9	substantial	substantial	ADJ
framr-4076	22	10	contribution	contribution	NOUN
framr-4076	22	11	to	to	ADP
framr-4076	22	12	the	the	DET
framr-4076	22	13	ongoing	ongoing	ADJ
framr-4076	22	14	debate	debate	NOUN
framr-4076	22	15	regarding	regard	VERB
framr-4076	22	16	the	the	DET
framr-4076	22	17	links	link	NOUN
framr-4076	22	18	between	between	ADP
framr-4076	22	19	greenwashing	greenwashing	NOUN
framr-4076	22	20	,	,	PUNCT
framr-4076	22	21	fintech	fintech	NOUN
framr-4076	22	22	,	,	PUNCT
framr-4076	22	23	and	and	CCONJ
framr-4076	22	24	sustainable	sustainable	ADJ
framr-4076	22	25	development	development	NOUN
framr-4076	22	26	.	.	PUNCT
framr-4076	23	1	contribution	contribution	NOUN
framr-4076	23	2	/	/	SYM
framr-4076	23	3	originality	originality	NOUN
framr-4076	23	4	:	:	PUNCT
framr-4076	23	5	this	this	DET
framr-4076	23	6	research	research	NOUN
framr-4076	23	7	integrates	integrate	VERB
framr-4076	23	8	greenwashing	greenwashe	VERB
framr-4076	23	9	within	within	ADP
framr-4076	23	10	the	the	DET
framr-4076	23	11	fintech	fintech	NOUN
framr-4076	23	12	solutions	solution	NOUN
framr-4076	23	13	and	and	CCONJ
framr-4076	23	14	sustainable	sustainable	ADJ
framr-4076	23	15	development	development	NOUN
framr-4076	23	16	goals	goal	NOUN
framr-4076	23	17	(	(	PUNCT
framr-4076	23	18	sdgs	sdgs	ADJ
framr-4076	23	19	)	)	PUNCT
framr-4076	23	20	.	.	PUNCT
framr-4076	24	1	the	the	DET
framr-4076	24	2	research	research	NOUN
framr-4076	24	3	fulfils	fulfil	VERB
framr-4076	24	4	the	the	DET
framr-4076	24	5	literature	literature	NOUN
framr-4076	24	6	gap	gap	NOUN
framr-4076	24	7	of	of	ADP
framr-4076	24	8	conceptual	conceptual	ADJ
framr-4076	24	9	framework	framework	NOUN
framr-4076	24	10	and	and	CCONJ
framr-4076	24	11	theoretical	theoretical	ADJ
framr-4076	24	12	perspective	perspective	NOUN
framr-4076	24	13	to	to	PART
framr-4076	24	14	prevent	prevent	VERB
framr-4076	24	15	greenwashing	greenwashing	NOUN
framr-4076	24	16	.	.	PUNCT
framr-4076	25	1	this	this	DET
framr-4076	25	2	study	study	NOUN
framr-4076	25	3	offers	offer	VERB
framr-4076	25	4	insights	insight	NOUN
framr-4076	25	5	into	into	ADP
framr-4076	25	6	the	the	DET
framr-4076	25	7	way	way	NOUN
framr-4076	25	8	to	to	PART
framr-4076	25	9	associate	associate	VERB
framr-4076	25	10	fintech	fintech	NOUN
framr-4076	25	11	and	and	CCONJ
framr-4076	25	12	sdgs	sdgs	VERB
framr-4076	25	13	as	as	ADV
framr-4076	25	14	well	well	ADV
framr-4076	25	15	as	as	ADP
framr-4076	25	16	preserving	preserve	VERB
framr-4076	25	17	moral	moral	ADJ
framr-4076	25	18	practices	practice	NOUN
framr-4076	25	19	.	.	PUNCT
framr-4076	26	1	financial	financial	ADJ
framr-4076	26	2	risk	risk	NOUN
framr-4076	26	3	and	and	CCONJ
framr-4076	26	4	management	management	NOUN
framr-4076	26	5	reviews	review	NOUN
framr-4076	26	6	2025	2025	NUM
framr-4076	26	7	vol	vol	NOUN
framr-4076	26	8	.	.	PUNCT
framr-4076	27	1	11	11	NUM
framr-4076	27	2	,	,	PUNCT
framr-4076	27	3	no	no	INTJ
framr-4076	27	4	.	.	NOUN
framr-4076	27	5	1	1	NUM
framr-4076	27	6	,	,	PUNCT
framr-4076	27	7	pp	pp	ADJ
framr-4076	27	8	.	.	PUNCT
framr-4076	28	1	37	37	NUM
framr-4076	28	2	-	-	SYM
framr-4076	28	3	71	71	NUM
framr-4076	28	4	issn(e	issn(e	NOUN
framr-4076	28	5	):	):	PUNCT
framr-4076	28	6	2411	2411	NUM
framr-4076	28	7	-	-	SYM
framr-4076	28	8	6408	6408	NUM
framr-4076	28	9	issn(p	issn(p	NUM
framr-4076	28	10	):	):	PUNCT
framr-4076	28	11	2412	2412	NUM
framr-4076	28	12	-	-	SYM
framr-4076	28	13	3404	3404	NUM
framr-4076	28	14	doi	doi	NOUN
framr-4076	28	15	:	:	PUNCT
framr-4076	28	16	10.18488/89.v11i1.4076	10.18488/89.v11i1.4076	NUM
framr-4076	28	17	©	©	PROPN
framr-4076	28	18	2023	2023	NUM
framr-4076	28	19	conscientia	conscientia	PROPN
framr-4076	28	20	beam	beam	PROPN
framr-4076	28	21	.	.	PUNCT
framr-4076	29	1	all	all	DET
framr-4076	29	2	rights	right	NOUN
framr-4076	29	3	reserved	reserve	VERB
framr-4076	29	4	.	.	PUNCT
framr-4076	30	1	https://orcid.org/0009-0009-2365-4959	https://orcid.org/0009-0009-2365-4959	VERB
framr-4076	30	2	https://orcid.org/0000-0001-9757-9730	https://orcid.org/0000-0001-9757-9730	ADJ
framr-4076	30	3	https://orcid.org/0009-0004-7267-9515	https://orcid.org/0009-0004-7267-9515	NOUN
framr-4076	30	4	https://orcid.org/0009-0005-5373-4619	https://orcid.org/0009-0005-5373-4619	ADP
framr-4076	30	5	https://orcid.org/0009-0001-9663-5427	https://orcid.org/0009-0001-9663-5427	PRON
framr-4076	30	6	https://orcid.org/0009-0005-7001-1770	https://orcid.org/0009-0005-7001-1770	NOUN
framr-4076	30	7	https://orcid.org/0009-0001-2482-3808	https://orcid.org/0009-0001-2482-3808	NOUN
framr-4076	30	8	https://orcid.org/0009-0000-4196-682x	https://orcid.org/0009-0000-4196-682x	PROPN
framr-4076	30	9	mailto:tipon.tcg.edu@gmail.com	mailto:tipon.tcg.edu@gmail.com	X
framr-4076	30	10	mailto:asifraihan666@gmail.com	mailto:asifraihan666@gmail.com	X
framr-4076	31	1	mailto:mdrakibmia087@gmail.com	mailto:mdrakibmia087@gmail.com	X
framr-4076	31	2	mailto:ummah.tafsirun@gmail.com	mailto:ummah.tafsirun@gmail.com	X
framr-4076	32	1	mailto:naherk@pu.edu.bd	mailto:naherk@pu.edu.bd	PROPN
framr-4076	32	2	mailto:naimmgtdu75@gmail.com	mailto:naimmgtdu75@gmail.com	PROPN
framr-4076	32	3	mailto:fr7bbs@bolton.ac.uk	mailto:fr7bbs@bolton.ac.uk	NOUN
framr-4076	32	4	mailto:shoaibur.fin.du@gmail.com	mailto:shoaibur.fin.du@gmail.com	AUX
framr-4076	32	5	https://www.doi.org/10.18488/89.v11i1.4076	https://www.doi.org/10.18488/89.v11i1.4076	VERB
framr-4076	32	6	financial	financial	ADJ
framr-4076	32	7	risk	risk	NOUN
framr-4076	32	8	and	and	CCONJ
framr-4076	32	9	management	management	NOUN
framr-4076	32	10	reviews	review	NOUN
framr-4076	32	11	,	,	PUNCT
framr-4076	32	12	2025	2025	NUM
framr-4076	32	13	,	,	PUNCT
framr-4076	32	14	11(1	11(1	NUM
framr-4076	32	15	):	):	PUNCT
framr-4076	32	16	37	37	NUM
framr-4076	32	17	-	-	SYM
framr-4076	32	18	71	71	NUM
framr-4076	32	19	38	38	NUM
framr-4076	32	20	©	©	PROPN
framr-4076	32	21	2025	2025	NUM
framr-4076	32	22	conscientia	conscientia	PROPN
framr-4076	32	23	beam	beam	PROPN
framr-4076	32	24	.	.	PUNCT
framr-4076	33	1	all	all	DET
framr-4076	33	2	rights	right	NOUN
framr-4076	33	3	reserved	reserve	VERB
framr-4076	33	4	.	.	PUNCT
framr-4076	34	1	1	1	X
framr-4076	34	2	.	.	X
framr-4076	34	3	introduction	introduction	NOUN
framr-4076	34	4	1.1	1.1	NUM
framr-4076	34	5	.	.	PUNCT
framr-4076	35	1	background	background	NOUN
framr-4076	35	2	and	and	CCONJ
framr-4076	35	3	role	role	NOUN
framr-4076	35	4	of	of	ADP
framr-4076	35	5	fintech	fintech	NOUN
framr-4076	35	6	in	in	ADP
framr-4076	35	7	sustainable	sustainable	ADJ
framr-4076	35	8	development	development	NOUN
framr-4076	35	9	nowadays	nowadays	ADV
framr-4076	35	10	,	,	PUNCT
framr-4076	35	11	an	an	DET
framr-4076	35	12	increasing	increase	VERB
framr-4076	35	13	number	number	NOUN
framr-4076	35	14	of	of	ADP
framr-4076	35	15	new	new	ADJ
framr-4076	35	16	challenges	challenge	NOUN
framr-4076	35	17	impact	impact	VERB
framr-4076	35	18	financial	financial	ADJ
framr-4076	35	19	management	management	NOUN
framr-4076	35	20	.	.	PUNCT
framr-4076	36	1	this	this	PRON
framr-4076	36	2	is	be	AUX
framr-4076	36	3	due	due	ADJ
framr-4076	36	4	to	to	ADP
framr-4076	36	5	the	the	DET
framr-4076	36	6	increasing	increase	VERB
framr-4076	36	7	digital	digital	ADJ
framr-4076	36	8	transformation	transformation	NOUN
framr-4076	36	9	and	and	CCONJ
framr-4076	36	10	the	the	DET
framr-4076	36	11	growing	grow	VERB
framr-4076	36	12	concerns	concern	NOUN
framr-4076	36	13	of	of	ADP
framr-4076	36	14	customers	customer	NOUN
framr-4076	36	15	about	about	ADP
framr-4076	36	16	environmental	environmental	ADJ
framr-4076	36	17	sustainability	sustainability	NOUN
framr-4076	36	18	and	and	CCONJ
framr-4076	36	19	respect	respect	NOUN
framr-4076	36	20	in	in	ADP
framr-4076	36	21	the	the	DET
framr-4076	36	22	products	product	NOUN
framr-4076	36	23	they	they	PRON
framr-4076	36	24	purchase	purchase	VERB
framr-4076	36	25	(	(	PUNCT
framr-4076	36	26	chueca	chueca	PROPN
framr-4076	36	27	vergara	vergara	PROPN
framr-4076	36	28	&	&	CCONJ
framr-4076	36	29	ferruz	ferruz	PROPN
framr-4076	36	30	agudo	agudo	NOUN
framr-4076	36	31	,	,	PUNCT
framr-4076	36	32	2021	2021	NUM
framr-4076	36	33	)	)	PUNCT
framr-4076	36	34	.	.	PUNCT
framr-4076	37	1	traditional	traditional	ADJ
framr-4076	37	2	banks	bank	NOUN
framr-4076	37	3	,	,	PUNCT
framr-4076	37	4	fintech	fintech	NOUN
framr-4076	37	5	,	,	PUNCT
framr-4076	37	6	fintech	fintech	NOUN
framr-4076	37	7	startups	startup	NOUN
framr-4076	37	8	,	,	PUNCT
framr-4076	37	9	and	and	CCONJ
framr-4076	37	10	fully	fully	ADV
framr-4076	37	11	digital	digital	ADJ
framr-4076	37	12	banks	bank	NOUN
framr-4076	37	13	have	have	AUX
framr-4076	37	14	all	all	ADV
framr-4076	37	15	helped	help	VERB
framr-4076	37	16	fuel	fuel	VERB
framr-4076	37	17	the	the	DET
framr-4076	37	18	expansion	expansion	NOUN
framr-4076	37	19	of	of	ADP
framr-4076	37	20	the	the	DET
framr-4076	37	21	financial	financial	ADJ
framr-4076	37	22	products	product	NOUN
framr-4076	37	23	and	and	CCONJ
framr-4076	37	24	services	service	NOUN
framr-4076	37	25	available	available	ADJ
framr-4076	37	26	in	in	ADP
framr-4076	37	27	the	the	DET
framr-4076	37	28	modern	modern	ADJ
framr-4076	37	29	economy	economy	NOUN
framr-4076	37	30	(	(	PUNCT
framr-4076	37	31	klimontowicz	klimontowicz	ADJ
framr-4076	37	32	,	,	PUNCT
framr-4076	37	33	2023	2023	NUM
framr-4076	37	34	)	)	PUNCT
framr-4076	37	35	.	.	PUNCT
framr-4076	38	1	the	the	DET
framr-4076	38	2	banking	banking	NOUN
framr-4076	38	3	industry	industry	NOUN
framr-4076	38	4	is	be	AUX
framr-4076	38	5	at	at	ADP
framr-4076	38	6	the	the	DET
framr-4076	38	7	forefront	forefront	NOUN
framr-4076	38	8	of	of	ADP
framr-4076	38	9	the	the	DET
framr-4076	38	10	financial	financial	ADJ
framr-4076	38	11	technology	technology	NOUN
framr-4076	38	12	(	(	PUNCT
framr-4076	38	13	fintech	fintech	NOUN
framr-4076	38	14	)	)	PUNCT
framr-4076	38	15	revolution	revolution	NOUN
framr-4076	38	16	that	that	PRON
framr-4076	38	17	is	be	AUX
framr-4076	38	18	reshaping	reshape	VERB
framr-4076	38	19	the	the	DET
framr-4076	38	20	industry	industry	NOUN
framr-4076	38	21	and	and	CCONJ
framr-4076	38	22	providing	provide	VERB
framr-4076	38	23	financial	financial	ADJ
framr-4076	38	24	institutions	institution	NOUN
framr-4076	38	25	with	with	ADP
framr-4076	38	26	numerous	numerous	ADJ
framr-4076	38	27	advantages	advantage	NOUN
framr-4076	38	28	through	through	ADP
framr-4076	38	29	the	the	DET
framr-4076	38	30	use	use	NOUN
framr-4076	38	31	of	of	ADP
framr-4076	38	32	smartphones	smartphone	NOUN
framr-4076	38	33	,	,	PUNCT
framr-4076	38	34	ai	ai	VERB
framr-4076	38	35	,	,	PUNCT
framr-4076	38	36	the	the	DET
framr-4076	38	37	internet	internet	NOUN
framr-4076	38	38	of	of	ADP
framr-4076	38	39	things	thing	NOUN
framr-4076	38	40	(	(	PUNCT
framr-4076	38	41	iot	iot	NOUN
framr-4076	38	42	)	)	PUNCT
framr-4076	38	43	,	,	PUNCT
framr-4076	38	44	and	and	CCONJ
framr-4076	38	45	blockchains	blockchain	NOUN
framr-4076	38	46	(	(	PUNCT
framr-4076	38	47	dwivedi	dwivedi	NOUN
framr-4076	38	48	,	,	PUNCT
framr-4076	38	49	alabdooli	alabdooli	NOUN
framr-4076	38	50	,	,	PUNCT
framr-4076	38	51	&	&	CCONJ
framr-4076	38	52	dwivedi	dwivedi	PROPN
framr-4076	38	53	,	,	PUNCT
framr-4076	38	54	2021	2021	NUM
framr-4076	38	55	;	;	PUNCT
framr-4076	38	56	tanchangya	tanchangya	PROPN
framr-4076	38	57	et	et	PROPN
framr-4076	38	58	al	al	PROPN
framr-4076	38	59	.	.	PROPN
framr-4076	38	60	,	,	PUNCT
framr-4076	38	61	2024b	2024b	NUM
framr-4076	38	62	)	)	PUNCT
framr-4076	38	63	.	.	PUNCT
framr-4076	39	1	the	the	DET
framr-4076	39	2	new	new	ADJ
framr-4076	39	3	digital	digital	ADJ
framr-4076	39	4	realm	realm	NOUN
framr-4076	39	5	has	have	AUX
framr-4076	39	6	presented	present	VERB
framr-4076	39	7	traditional	traditional	ADJ
framr-4076	39	8	banking	banking	NOUN
framr-4076	39	9	institutions	institution	NOUN
framr-4076	39	10	with	with	ADP
framr-4076	39	11	substantial	substantial	ADJ
framr-4076	39	12	challenges	challenge	NOUN
framr-4076	39	13	,	,	PUNCT
framr-4076	39	14	forcing	force	VERB
framr-4076	39	15	them	they	PRON
framr-4076	39	16	to	to	PART
framr-4076	39	17	adjust	adjust	VERB
framr-4076	39	18	their	their	PRON
framr-4076	39	19	operating	operating	NOUN
framr-4076	39	20	models	model	NOUN
framr-4076	39	21	.	.	PUNCT
framr-4076	40	1	the	the	DET
framr-4076	40	2	emergence	emergence	NOUN
framr-4076	40	3	and	and	CCONJ
framr-4076	40	4	growth	growth	NOUN
framr-4076	40	5	of	of	ADP
framr-4076	40	6	fintech	fintech	NOUN
framr-4076	40	7	have	have	AUX
framr-4076	40	8	significantly	significantly	ADV
framr-4076	40	9	impacted	impact	VERB
framr-4076	40	10	the	the	DET
framr-4076	40	11	financial	financial	ADJ
framr-4076	40	12	industry	industry	NOUN
framr-4076	40	13	.	.	PUNCT
framr-4076	41	1	research	research	NOUN
framr-4076	41	2	on	on	ADP
framr-4076	41	3	the	the	DET
framr-4076	41	4	effects	effect	NOUN
framr-4076	41	5	of	of	ADP
framr-4076	41	6	financial	financial	ADJ
framr-4076	41	7	technology	technology	NOUN
framr-4076	41	8	on	on	ADP
framr-4076	41	9	long	long	ADJ
framr-4076	41	10	-	-	PUNCT
framr-4076	41	11	term	term	NOUN
framr-4076	41	12	sustainability	sustainability	NOUN
framr-4076	41	13	is	be	AUX
framr-4076	41	14	an	an	DET
framr-4076	41	15	emerging	emerge	VERB
framr-4076	41	16	area	area	NOUN
framr-4076	41	17	.	.	PUNCT
framr-4076	42	1	it	it	PRON
framr-4076	42	2	is	be	AUX
framr-4076	42	3	believed	believe	VERB
framr-4076	42	4	that	that	SCONJ
framr-4076	42	5	the	the	DET
framr-4076	42	6	offerings	offering	NOUN
framr-4076	42	7	of	of	ADP
framr-4076	42	8	fintech	fintech	NOUN
framr-4076	42	9	can	can	AUX
framr-4076	42	10	be	be	AUX
framr-4076	42	11	pushed	push	VERB
framr-4076	42	12	to	to	PART
framr-4076	42	13	use	use	VERB
framr-4076	42	14	to	to	PART
framr-4076	42	15	accelerate	accelerate	VERB
framr-4076	42	16	social	social	ADJ
framr-4076	42	17	development	development	NOUN
framr-4076	42	18	and	and	CCONJ
framr-4076	42	19	aid	aid	NOUN
framr-4076	42	20	in	in	ADP
framr-4076	42	21	the	the	DET
framr-4076	42	22	attainment	attainment	NOUN
framr-4076	42	23	of	of	ADP
framr-4076	42	24	the	the	DET
framr-4076	42	25	sustainable	sustainable	ADJ
framr-4076	42	26	development	development	NOUN
framr-4076	42	27	goals	goal	NOUN
framr-4076	42	28	(	(	PUNCT
framr-4076	42	29	sdgs	sdgs	ADJ
framr-4076	42	30	)	)	PUNCT
framr-4076	42	31	(	(	PUNCT
framr-4076	42	32	dwivedi	dwivedi	PROPN
framr-4076	42	33	et	et	PROPN
framr-4076	42	34	al	al	PROPN
framr-4076	42	35	.	.	PROPN
framr-4076	42	36	,	,	PUNCT
framr-4076	42	37	2021	2021	NUM
framr-4076	42	38	;	;	PUNCT
framr-4076	42	39	klimontowicz	klimontowicz	VERB
framr-4076	42	40	,	,	PUNCT
framr-4076	42	41	2023	2023	NUM
framr-4076	42	42	)	)	PUNCT
framr-4076	42	43	.	.	PUNCT
framr-4076	43	1	in	in	ADP
framr-4076	43	2	addition	addition	NOUN
framr-4076	43	3	,	,	PUNCT
framr-4076	43	4	there	there	PRON
framr-4076	43	5	is	be	VERB
framr-4076	43	6	no	no	DET
framr-4076	43	7	doubting	doubt	VERB
framr-4076	43	8	the	the	DET
framr-4076	43	9	evident	evident	ADJ
framr-4076	43	10	social	social	ADJ
framr-4076	43	11	,	,	PUNCT
framr-4076	43	12	environmental	environmental	ADJ
framr-4076	43	13	,	,	PUNCT
framr-4076	43	14	and	and	CCONJ
framr-4076	43	15	ecological	ecological	ADJ
framr-4076	43	16	advantages	advantage	NOUN
framr-4076	43	17	of	of	ADP
framr-4076	43	18	this	this	DET
framr-4076	43	19	technology	technology	NOUN
framr-4076	43	20	's	's	PART
framr-4076	43	21	implementation	implementation	NOUN
framr-4076	43	22	,	,	PUNCT
framr-4076	43	23	which	which	PRON
framr-4076	43	24	is	be	AUX
framr-4076	43	25	driving	drive	VERB
framr-4076	43	26	investment	investment	NOUN
framr-4076	43	27	in	in	ADP
framr-4076	43	28	energy	energy	NOUN
framr-4076	43	29	and	and	CCONJ
framr-4076	43	30	environmental	environmental	ADJ
framr-4076	43	31	initiatives	initiative	NOUN
framr-4076	43	32	,	,	PUNCT
framr-4076	43	33	renewable	renewable	ADJ
framr-4076	43	34	energy	energy	NOUN
framr-4076	43	35	usage	usage	NOUN
framr-4076	43	36	,	,	PUNCT
framr-4076	43	37	and	and	CCONJ
framr-4076	43	38	green	green	ADJ
framr-4076	43	39	infrastructure	infrastructure	NOUN
framr-4076	43	40	development	development	NOUN
framr-4076	43	41	(	(	PUNCT
framr-4076	43	42	deng	deng	PROPN
framr-4076	43	43	,	,	PUNCT
framr-4076	43	44	huang	huang	PROPN
framr-4076	43	45	,	,	PUNCT
framr-4076	43	46	&	&	CCONJ
framr-4076	43	47	cheng	cheng	PROPN
framr-4076	43	48	,	,	PUNCT
framr-4076	43	49	2019	2019	NUM
framr-4076	43	50	)	)	PUNCT
framr-4076	43	51	.	.	PUNCT
framr-4076	44	1	furthermore	furthermore	ADV
framr-4076	44	2	,	,	PUNCT
framr-4076	44	3	a	a	DET
framr-4076	44	4	more	more	ADV
framr-4076	44	5	accessible	accessible	ADJ
framr-4076	44	6	,	,	PUNCT
framr-4076	44	7	secure	secure	ADJ
framr-4076	44	8	,	,	PUNCT
framr-4076	44	9	and	and	CCONJ
framr-4076	44	10	inexpensive	inexpensive	ADJ
framr-4076	44	11	financial	financial	ADJ
framr-4076	44	12	system	system	NOUN
framr-4076	44	13	can	can	AUX
framr-4076	44	14	be	be	AUX
framr-4076	44	15	achieved	achieve	VERB
framr-4076	44	16	through	through	ADP
framr-4076	44	17	the	the	DET
framr-4076	44	18	use	use	NOUN
framr-4076	44	19	of	of	ADP
framr-4076	44	20	fintech	fintech	NOUN
framr-4076	44	21	,	,	PUNCT
framr-4076	44	22	which	which	PRON
framr-4076	44	23	,	,	PUNCT
framr-4076	44	24	along	along	ADP
framr-4076	44	25	with	with	ADP
framr-4076	44	26	better	well	ADJ
framr-4076	44	27	service	service	NOUN
framr-4076	44	28	quality	quality	NOUN
framr-4076	44	29	,	,	PUNCT
framr-4076	44	30	can	can	AUX
framr-4076	44	31	lead	lead	VERB
framr-4076	44	32	to	to	ADP
framr-4076	44	33	a	a	DET
framr-4076	44	34	more	more	ADV
framr-4076	44	35	stable	stable	ADJ
framr-4076	44	36	,	,	PUNCT
framr-4076	44	37	diverse	diverse	ADJ
framr-4076	44	38	,	,	PUNCT
framr-4076	44	39	and	and	CCONJ
framr-4076	44	40	user	user	NOUN
framr-4076	44	41	-	-	PUNCT
framr-4076	44	42	friendly	friendly	ADJ
framr-4076	44	43	financial	financial	ADJ
framr-4076	44	44	environment	environment	NOUN
framr-4076	44	45	(	(	PUNCT
framr-4076	44	46	moro	moro	X
framr-4076	44	47	-	-	PUNCT
framr-4076	44	48	visconti	visconti	PROPN
framr-4076	44	49	,	,	PUNCT
framr-4076	44	50	cruz	cruz	PROPN
framr-4076	44	51	rambaud	rambaud	NOUN
framr-4076	44	52	,	,	PUNCT
framr-4076	44	53	&	&	CCONJ
framr-4076	44	54	lópez	lópez	PROPN
framr-4076	44	55	pascual	pascual	NOUN
framr-4076	44	56	,	,	PUNCT
framr-4076	44	57	2020	2020	NUM
framr-4076	44	58	;	;	PUNCT
framr-4076	44	59	tanchangya	tanchangya	PROPN
framr-4076	44	60	,	,	PUNCT
framr-4076	44	61	raihan	raihan	NOUN
framr-4076	44	62	,	,	PUNCT
framr-4076	44	63	rahman	rahman	PROPN
framr-4076	44	64	,	,	PUNCT
framr-4076	44	65	ridwan	ridwan	PROPN
framr-4076	44	66	,	,	PUNCT
framr-4076	44	67	&	&	CCONJ
framr-4076	44	68	islam	islam	PROPN
framr-4076	44	69	,	,	PUNCT
framr-4076	44	70	2024a	2024a	NUM
framr-4076	44	71	)	)	PUNCT
framr-4076	44	72	.	.	PUNCT
framr-4076	45	1	fintech	fintech	NOUN
framr-4076	45	2	has	have	AUX
framr-4076	45	3	made	make	VERB
framr-4076	45	4	it	it	PRON
framr-4076	45	5	easier	easy	ADJ
framr-4076	45	6	for	for	SCONJ
framr-4076	45	7	financial	financial	ADJ
framr-4076	45	8	sectors	sector	NOUN
framr-4076	45	9	to	to	PART
framr-4076	45	10	handle	handle	VERB
framr-4076	45	11	risks	risk	NOUN
framr-4076	45	12	by	by	ADP
framr-4076	45	13	incorporating	incorporate	VERB
framr-4076	45	14	new	new	ADJ
framr-4076	45	15	technologies	technology	NOUN
framr-4076	45	16	with	with	ADP
framr-4076	45	17	financial	financial	ADJ
framr-4076	45	18	innovations	innovation	NOUN
framr-4076	45	19	like	like	ADP
framr-4076	45	20	big	big	ADJ
framr-4076	45	21	data	datum	NOUN
framr-4076	45	22	analysis	analysis	NOUN
framr-4076	45	23	and	and	CCONJ
framr-4076	45	24	cloud	cloud	NOUN
framr-4076	45	25	computing	computing	NOUN
framr-4076	45	26	.	.	PUNCT
framr-4076	46	1	fintech	fintech	NOUN
framr-4076	46	2	aims	aim	VERB
framr-4076	46	3	to	to	PART
framr-4076	46	4	speed	speed	VERB
framr-4076	46	5	up	up	ADP
framr-4076	46	6	the	the	DET
framr-4076	46	7	integration	integration	NOUN
framr-4076	46	8	of	of	ADP
framr-4076	46	9	real	real	ADJ
framr-4076	46	10	and	and	CCONJ
framr-4076	46	11	financial	financial	ADJ
framr-4076	46	12	economies	economy	NOUN
framr-4076	46	13	,	,	PUNCT
framr-4076	46	14	creating	create	VERB
framr-4076	46	15	more	more	ADV
framr-4076	46	16	decentralised	decentralise	VERB
framr-4076	46	17	opportunities	opportunity	NOUN
framr-4076	46	18	for	for	ADP
framr-4076	46	19	sustainable	sustainable	ADJ
framr-4076	46	20	growth	growth	NOUN
framr-4076	46	21	(	(	PUNCT
framr-4076	46	22	castilla	castilla	NOUN
framr-4076	46	23	-	-	PUNCT
framr-4076	46	24	rubio	rubio	NOUN
framr-4076	46	25	,	,	PUNCT
framr-4076	46	26	robins	robin	NOUN
framr-4076	46	27	,	,	PUNCT
framr-4076	46	28	&	&	CCONJ
framr-4076	46	29	zadek	zadek	PROPN
framr-4076	46	30	,	,	PUNCT
framr-4076	46	31	2016	2016	NUM
framr-4076	46	32	)	)	PUNCT
framr-4076	46	33	.	.	PUNCT
framr-4076	47	1	fintech	fintech	NOUN
framr-4076	47	2	has	have	VERB
framr-4076	47	3	the	the	DET
framr-4076	47	4	potential	potential	NOUN
framr-4076	47	5	to	to	PART
framr-4076	47	6	accelerate	accelerate	VERB
framr-4076	47	7	the	the	DET
framr-4076	47	8	adoption	adoption	NOUN
framr-4076	47	9	of	of	ADP
framr-4076	47	10	green	green	ADJ
framr-4076	47	11	finance	finance	NOUN
framr-4076	47	12	,	,	PUNCT
framr-4076	47	13	a	a	DET
framr-4076	47	14	method	method	NOUN
framr-4076	47	15	of	of	ADP
framr-4076	47	16	investing	investing	NOUN
framr-4076	47	17	that	that	PRON
framr-4076	47	18	ensures	ensure	VERB
framr-4076	47	19	both	both	PRON
framr-4076	47	20	economic	economic	ADJ
framr-4076	47	21	and	and	CCONJ
framr-4076	47	22	environmental	environmental	ADJ
framr-4076	47	23	sustainability	sustainability	NOUN
framr-4076	47	24	(	(	PUNCT
framr-4076	47	25	yang	yang	PROPN
framr-4076	47	26	,	,	PUNCT
framr-4076	47	27	2020	2020	NUM
framr-4076	47	28	)	)	PUNCT
framr-4076	47	29	.	.	PUNCT
framr-4076	48	1	thereby	thereby	ADV
framr-4076	48	2	,	,	PUNCT
framr-4076	48	3	fintech	fintech	NOUN
framr-4076	48	4	stands	stand	VERB
framr-4076	48	5	out	out	ADP
framr-4076	48	6	as	as	ADP
framr-4076	48	7	the	the	DET
framr-4076	48	8	most	most	ADJ
framr-4076	48	9	"	"	PUNCT
framr-4076	48	10	revolutionary	revolutionary	ADJ
framr-4076	48	11	"	"	PUNCT
framr-4076	48	12	technology	technology	NOUN
framr-4076	48	13	in	in	ADP
framr-4076	48	14	the	the	DET
framr-4076	48	15	financial	financial	ADJ
framr-4076	48	16	services	service	NOUN
framr-4076	48	17	industry	industry	NOUN
framr-4076	48	18	because	because	SCONJ
framr-4076	48	19	it	it	PRON
framr-4076	48	20	uses	use	VERB
framr-4076	48	21	technology	technology	NOUN
framr-4076	48	22	such	such	ADJ
framr-4076	48	23	as	as	ADP
framr-4076	48	24	artificial	artificial	ADJ
framr-4076	48	25	intelligence	intelligence	NOUN
framr-4076	48	26	(	(	PUNCT
framr-4076	48	27	ai	ai	NOUN
framr-4076	48	28	)	)	PUNCT
framr-4076	48	29	and	and	CCONJ
framr-4076	48	30	machine	machine	NOUN
framr-4076	48	31	learning	learning	NOUN
framr-4076	48	32	.	.	PUNCT
framr-4076	49	1	these	these	DET
framr-4076	49	2	technologies	technology	NOUN
framr-4076	49	3	facilitate	facilitate	VERB
framr-4076	49	4	data	datum	NOUN
framr-4076	49	5	collection	collection	NOUN
framr-4076	49	6	to	to	PART
framr-4076	49	7	determine	determine	VERB
framr-4076	49	8	customers	customer	NOUN
framr-4076	49	9	'	'	PART
framr-4076	49	10	esg	esg	NOUN
framr-4076	49	11	ratings	rating	NOUN
framr-4076	49	12	and	and	CCONJ
framr-4076	49	13	encourage	encourage	VERB
framr-4076	49	14	the	the	DET
framr-4076	49	15	funding	funding	NOUN
framr-4076	49	16	of	of	ADP
framr-4076	49	17	renewable	renewable	ADJ
framr-4076	49	18	energy	energy	NOUN
framr-4076	49	19	projects	project	NOUN
framr-4076	49	20	that	that	PRON
framr-4076	49	21	generate	generate	VERB
framr-4076	49	22	social	social	ADJ
framr-4076	49	23	,	,	PUNCT
framr-4076	49	24	environmental	environmental	ADJ
framr-4076	49	25	,	,	PUNCT
framr-4076	49	26	and	and	CCONJ
framr-4076	49	27	ecological	ecological	ADJ
framr-4076	49	28	benefits	benefit	NOUN
framr-4076	49	29	(	(	PUNCT
framr-4076	49	30	chen	chen	PROPN
framr-4076	49	31	,	,	PUNCT
framr-4076	49	32	siddik	siddik	PROPN
framr-4076	49	33	,	,	PUNCT
framr-4076	49	34	zheng	zheng	PROPN
framr-4076	49	35	,	,	PUNCT
framr-4076	49	36	masukujjaman	masukujjaman	NOUN
framr-4076	49	37	,	,	PUNCT
framr-4076	49	38	&	&	CCONJ
framr-4076	49	39	bekhzod	bekhzod	VERB
framr-4076	49	40	,	,	PUNCT
framr-4076	49	41	2022	2022	NUM
framr-4076	49	42	;	;	PUNCT
framr-4076	49	43	rahman	rahman	PROPN
framr-4076	49	44	,	,	PUNCT
framr-4076	49	45	tanchangya	tanchangya	PROPN
framr-4076	49	46	,	,	PUNCT
framr-4076	49	47	rahman	rahman	PROPN
framr-4076	49	48	,	,	PUNCT
framr-4076	49	49	aktar	aktar	PROPN
framr-4076	49	50	,	,	PUNCT
framr-4076	49	51	&	&	CCONJ
framr-4076	49	52	majumder	majumder	NOUN
framr-4076	49	53	,	,	PUNCT
framr-4076	49	54	2024	2024	NUM
framr-4076	49	55	;	;	PUNCT
framr-4076	49	56	zhou	zhou	PROPN
framr-4076	49	57	,	,	PUNCT
framr-4076	49	58	tang	tang	PROPN
framr-4076	49	59	,	,	PUNCT
framr-4076	49	60	&	&	CCONJ
framr-4076	49	61	zhang	zhang	PROPN
framr-4076	49	62	,	,	PUNCT
framr-4076	49	63	2020	2020	NUM
framr-4076	49	64	)	)	PUNCT
framr-4076	49	65	.	.	PUNCT
framr-4076	50	1	fintech	fintech	NOUN
framr-4076	50	2	contributes	contribute	VERB
framr-4076	50	3	to	to	PART
framr-4076	50	4	sdgs	sdgs	VERB
framr-4076	50	5	by	by	ADP
framr-4076	50	6	promoting	promote	VERB
framr-4076	50	7	financial	financial	ADJ
framr-4076	50	8	inclusion	inclusion	NOUN
framr-4076	50	9	and	and	CCONJ
framr-4076	50	10	directing	direct	VERB
framr-4076	50	11	resources	resource	NOUN
framr-4076	50	12	towards	towards	ADP
framr-4076	50	13	sustainable	sustainable	ADJ
framr-4076	50	14	uses	use	NOUN
framr-4076	50	15	,	,	PUNCT
framr-4076	50	16	providing	provide	VERB
framr-4076	50	17	access	access	NOUN
framr-4076	50	18	to	to	ADP
framr-4076	50	19	diverse	diverse	ADJ
framr-4076	50	20	products	product	NOUN
framr-4076	50	21	and	and	CCONJ
framr-4076	50	22	services	service	NOUN
framr-4076	50	23	to	to	PART
framr-4076	50	24	meet	meet	VERB
framr-4076	50	25	customer	customer	NOUN
framr-4076	50	26	needs	need	VERB
framr-4076	50	27	sustainably	sustainably	ADV
framr-4076	50	28	(	(	PUNCT
framr-4076	50	29	chueca	chueca	PROPN
framr-4076	50	30	vergara	vergara	PROPN
framr-4076	50	31	&	&	CCONJ
framr-4076	50	32	ferruz	ferruz	PROPN
framr-4076	50	33	agudo	agudo	NOUN
framr-4076	50	34	,	,	PUNCT
framr-4076	50	35	2021	2021	NUM
framr-4076	50	36	;	;	PUNCT
framr-4076	50	37	dwivedi	dwivedi	PROPN
framr-4076	50	38	et	et	PROPN
framr-4076	50	39	al	al	PROPN
framr-4076	50	40	.	.	PROPN
framr-4076	50	41	,	,	PUNCT
framr-4076	50	42	2021	2021	NUM
framr-4076	50	43	)	)	PUNCT
framr-4076	50	44	.	.	PUNCT
framr-4076	51	1	1.2	1.2	NUM
framr-4076	51	2	.	.	PUNCT
framr-4076	51	3	definition	definition	NOUN
framr-4076	51	4	and	and	CCONJ
framr-4076	51	5	relevance	relevance	NOUN
framr-4076	51	6	of	of	ADP
framr-4076	51	7	greenwashing	greenwashe	VERB
framr-4076	51	8	in	in	ADP
framr-4076	51	9	fintech	fintech	NOUN
framr-4076	51	10	sector	sector	NOUN
framr-4076	51	11	the	the	DET
framr-4076	51	12	need	need	NOUN
framr-4076	51	13	to	to	PART
framr-4076	51	14	battle	battle	NOUN
framr-4076	51	15	climate	climate	NOUN
framr-4076	51	16	change	change	NOUN
framr-4076	51	17	and	and	CCONJ
framr-4076	51	18	reach	reach	VERB
framr-4076	51	19	sustainable	sustainable	ADJ
framr-4076	51	20	development	development	NOUN
framr-4076	51	21	goals	goal	NOUN
framr-4076	51	22	is	be	AUX
framr-4076	51	23	becoming	become	VERB
framr-4076	51	24	increasingly	increasingly	ADV
framr-4076	51	25	apparent	apparent	ADJ
framr-4076	51	26	as	as	SCONJ
framr-4076	51	27	fintech	fintech	NOUN
framr-4076	51	28	grows	grow	VERB
framr-4076	51	29	in	in	ADP
framr-4076	51	30	popularity	popularity	NOUN
framr-4076	51	31	.	.	PUNCT
framr-4076	52	1	ecological	ecological	ADJ
framr-4076	52	2	or	or	CCONJ
framr-4076	52	3	environmentally	environmentally	ADV
framr-4076	52	4	friendly	friendly	ADJ
framr-4076	52	5	goods	good	NOUN
framr-4076	52	6	are	be	AUX
framr-4076	52	7	in	in	ADP
framr-4076	52	8	high	high	ADJ
framr-4076	52	9	demand	demand	NOUN
framr-4076	52	10	as	as	SCONJ
framr-4076	52	11	people	people	NOUN
framr-4076	52	12	seek	seek	VERB
framr-4076	52	13	to	to	PART
framr-4076	52	14	live	live	VERB
framr-4076	52	15	more	more	ADV
framr-4076	52	16	sustainably	sustainably	ADV
framr-4076	52	17	in	in	ADP
framr-4076	52	18	response	response	NOUN
framr-4076	52	19	to	to	ADP
framr-4076	52	20	the	the	DET
framr-4076	52	21	growing	grow	VERB
framr-4076	52	22	wave	wave	NOUN
framr-4076	52	23	of	of	ADP
framr-4076	52	24	environmental	environmental	ADJ
framr-4076	52	25	consciousness	consciousness	NOUN
framr-4076	52	26	about	about	ADP
framr-4076	52	27	the	the	DET
framr-4076	52	28	dangers	danger	NOUN
framr-4076	52	29	of	of	ADP
framr-4076	52	30	climate	climate	NOUN
framr-4076	52	31	change	change	NOUN
framr-4076	52	32	.	.	PUNCT
framr-4076	53	1	pressure	pressure	NOUN
framr-4076	53	2	from	from	ADP
framr-4076	53	3	customers	customer	NOUN
framr-4076	53	4	,	,	PUNCT
framr-4076	53	5	investors	investor	NOUN
framr-4076	53	6	,	,	PUNCT
framr-4076	53	7	and	and	CCONJ
framr-4076	53	8	government	government	NOUN
framr-4076	53	9	agencies	agency	NOUN
framr-4076	53	10	is	be	AUX
framr-4076	53	11	increasing	increase	VERB
framr-4076	53	12	on	on	ADP
framr-4076	53	13	firms	firm	NOUN
framr-4076	53	14	to	to	PART
framr-4076	53	15	be	be	AUX
framr-4076	53	16	more	more	ADV
framr-4076	53	17	transparent	transparent	ADJ
framr-4076	53	18	about	about	ADP
framr-4076	53	19	the	the	DET
framr-4076	53	20	environmental	environmental	ADJ
framr-4076	53	21	effects	effect	NOUN
framr-4076	53	22	of	of	ADP
framr-4076	53	23	their	their	PRON
framr-4076	53	24	operations	operation	NOUN
framr-4076	53	25	(	(	PUNCT
framr-4076	53	26	chueca	chueca	PROPN
framr-4076	53	27	vergara	vergara	PROPN
framr-4076	53	28	&	&	CCONJ
framr-4076	53	29	ferruz	ferruz	PROPN
framr-4076	53	30	agudo	agudo	NOUN
framr-4076	53	31	,	,	PUNCT
framr-4076	53	32	2021	2021	NUM
framr-4076	53	33	)	)	PUNCT
framr-4076	53	34	.	.	PUNCT
framr-4076	54	1	but	but	CCONJ
framr-4076	54	2	with	with	ADP
framr-4076	54	3	this	this	DET
framr-4076	54	4	development	development	NOUN
framr-4076	54	5	comes	come	VERB
framr-4076	54	6	a	a	DET
framr-4076	54	7	growing	grow	VERB
framr-4076	54	8	concern	concern	NOUN
framr-4076	54	9	:	:	PUNCT
framr-4076	54	10	the	the	DET
framr-4076	54	11	proliferation	proliferation	NOUN
framr-4076	54	12	of	of	ADP
framr-4076	54	13	greenwashing	greenwashing	NOUN
framr-4076	54	14	practices	practice	NOUN
framr-4076	54	15	in	in	ADP
framr-4076	54	16	the	the	DET
framr-4076	54	17	business	business	NOUN
framr-4076	54	18	sector	sector	NOUN
framr-4076	54	19	.	.	PUNCT
framr-4076	55	1	companies	company	NOUN
framr-4076	55	2	engage	engage	VERB
framr-4076	55	3	in	in	ADP
framr-4076	55	4	"	"	PUNCT
framr-4076	55	5	greenwashing	greenwashing	NOUN
framr-4076	55	6	"	"	PUNCT
framr-4076	55	7	as	as	ADP
framr-4076	55	8	a	a	DET
framr-4076	55	9	deceptive	deceptive	ADJ
framr-4076	55	10	marketing	marketing	NOUN
framr-4076	55	11	strategy	strategy	NOUN
framr-4076	55	12	to	to	PART
framr-4076	55	13	attract	attract	VERB
framr-4076	55	14	environmentally	environmentally	ADV
framr-4076	55	15	conscious	conscious	ADJ
framr-4076	55	16	investors	investor	NOUN
framr-4076	55	17	and	and	CCONJ
framr-4076	55	18	consumers	consumer	NOUN
framr-4076	55	19	(	(	PUNCT
framr-4076	55	20	pimonenko	pimonenko	PROPN
framr-4076	55	21	,	,	PUNCT
framr-4076	55	22	bilan	bilan	PROPN
framr-4076	55	23	,	,	PUNCT
framr-4076	55	24	horák	horák	ADV
framr-4076	55	25	,	,	PUNCT
framr-4076	55	26	starchenko	starchenko	NOUN
framr-4076	55	27	,	,	PUNCT
framr-4076	55	28	&	&	CCONJ
framr-4076	55	29	gajda	gajda	PROPN
framr-4076	55	30	,	,	PUNCT
framr-4076	55	31	2020	2020	NUM
framr-4076	55	32	;	;	PUNCT
framr-4076	55	33	raihan	raihan	PROPN
framr-4076	55	34	et	et	PROPN
framr-4076	55	35	al	al	PROPN
framr-4076	55	36	.	.	PROPN
framr-4076	55	37	,	,	PUNCT
framr-4076	55	38	2024	2024	NUM
framr-4076	55	39	)	)	PUNCT
framr-4076	55	40	.	.	PUNCT
framr-4076	56	1	companies	company	NOUN
framr-4076	56	2	'	'	PART
framr-4076	56	3	misleading	misleading	ADJ
framr-4076	56	4	or	or	CCONJ
framr-4076	56	5	false	false	ADJ
framr-4076	56	6	advertising	advertising	NOUN
framr-4076	56	7	techniques	technique	NOUN
framr-4076	56	8	that	that	PRON
framr-4076	56	9	falsely	falsely	ADV
framr-4076	56	10	represent	represent	VERB
framr-4076	56	11	their	their	PRON
framr-4076	56	12	environmental	environmental	ADJ
framr-4076	56	13	obligations	obligation	NOUN
framr-4076	56	14	are	be	AUX
framr-4076	56	15	referred	refer	VERB
framr-4076	56	16	to	to	ADP
framr-4076	56	17	as	as	ADP
framr-4076	56	18	"	"	PUNCT
framr-4076	56	19	greenwashing	greenwashing	NOUN
framr-4076	56	20	"	"	PUNCT
framr-4076	56	21	(	(	PUNCT
framr-4076	56	22	de	de	X
framr-4076	56	23	freitas	freitas	PROPN
framr-4076	56	24	netto	netto	PROPN
framr-4076	56	25	,	,	PUNCT
framr-4076	56	26	sobral	sobral	PROPN
framr-4076	56	27	,	,	PUNCT
framr-4076	56	28	ribeiro	ribeiro	PROPN
framr-4076	56	29	,	,	PUNCT
framr-4076	56	30	&	&	CCONJ
framr-4076	56	31	soares	soares	PROPN
framr-4076	56	32	,	,	PUNCT
framr-4076	56	33	2020	2020	NUM
framr-4076	56	34	;	;	PUNCT
framr-4076	56	35	delmas	delmas	PROPN
framr-4076	56	36	&	&	CCONJ
framr-4076	56	37	burbano	burbano	PROPN
framr-4076	56	38	,	,	PUNCT
framr-4076	56	39	2011	2011	NUM
framr-4076	56	40	)	)	PUNCT
framr-4076	56	41	.	.	PUNCT
framr-4076	57	1	financial	financial	ADJ
framr-4076	57	2	risk	risk	NOUN
framr-4076	57	3	and	and	CCONJ
framr-4076	57	4	management	management	NOUN
framr-4076	57	5	reviews	review	NOUN
framr-4076	57	6	,	,	PUNCT
framr-4076	57	7	2025	2025	NUM
framr-4076	57	8	,	,	PUNCT
framr-4076	57	9	11(1	11(1	NUM
framr-4076	57	10	):	):	PUNCT
framr-4076	57	11	37	37	NUM
framr-4076	57	12	-	-	SYM
framr-4076	57	13	71	71	NUM
framr-4076	57	14	39	39	NUM
framr-4076	57	15	©	©	PROPN
framr-4076	57	16	2025	2025	NUM
framr-4076	57	17	conscientia	conscientia	PROPN
framr-4076	57	18	beam	beam	PROPN
framr-4076	57	19	.	.	PUNCT
framr-4076	58	1	all	all	DET
framr-4076	58	2	rights	right	NOUN
framr-4076	58	3	reserved	reserve	VERB
framr-4076	58	4	.	.	PUNCT
framr-4076	59	1	without	without	ADP
framr-4076	59	2	real	real	ADJ
framr-4076	59	3	commitment	commitment	NOUN
framr-4076	59	4	or	or	CCONJ
framr-4076	59	5	influence	influence	NOUN
framr-4076	59	6	,	,	PUNCT
framr-4076	59	7	it	it	PRON
framr-4076	59	8	is	be	AUX
framr-4076	59	9	the	the	DET
framr-4076	59	10	advertisement	advertisement	NOUN
framr-4076	59	11	of	of	ADP
framr-4076	59	12	sustainable	sustainable	ADJ
framr-4076	59	13	financial	financial	ADJ
framr-4076	59	14	products	product	NOUN
framr-4076	59	15	or	or	CCONJ
framr-4076	59	16	services	service	NOUN
framr-4076	59	17	that	that	PRON
framr-4076	59	18	undermines	undermine	VERB
framr-4076	59	19	initiatives	initiative	NOUN
framr-4076	59	20	for	for	ADP
framr-4076	59	21	sustainability	sustainability	NOUN
framr-4076	59	22	(	(	PUNCT
framr-4076	59	23	seele	seele	PROPN
framr-4076	59	24	&	&	CCONJ
framr-4076	59	25	gatti	gatti	PROPN
framr-4076	59	26	,	,	PUNCT
framr-4076	59	27	2017	2017	NUM
framr-4076	59	28	)	)	PUNCT
framr-4076	59	29	.	.	PUNCT
framr-4076	60	1	this	this	PRON
framr-4076	60	2	refers	refer	VERB
framr-4076	60	3	to	to	ADP
framr-4076	60	4	a	a	DET
framr-4076	60	5	pattern	pattern	NOUN
framr-4076	60	6	of	of	ADP
framr-4076	60	7	fraudulent	fraudulent	ADJ
framr-4076	60	8	behaviour	behaviour	NOUN
framr-4076	60	9	that	that	PRON
framr-4076	60	10	makes	make	VERB
framr-4076	60	11	a	a	DET
framr-4076	60	12	product	product	NOUN
framr-4076	60	13	or	or	CCONJ
framr-4076	60	14	company	company	NOUN
framr-4076	60	15	seem	seem	VERB
framr-4076	60	16	more	more	ADV
framr-4076	60	17	environmentally	environmentally	ADV
framr-4076	60	18	friendly	friendly	ADJ
framr-4076	60	19	than	than	SCONJ
framr-4076	60	20	it	it	PRON
framr-4076	60	21	actually	actually	ADV
framr-4076	60	22	is	be	AUX
framr-4076	60	23	,	,	PUNCT
framr-4076	60	24	with	with	ADP
framr-4076	60	25	the	the	DET
framr-4076	60	26	intent	intent	NOUN
framr-4076	60	27	to	to	PART
framr-4076	60	28	deceive	deceive	VERB
framr-4076	60	29	customers	customer	NOUN
framr-4076	60	30	into	into	ADP
framr-4076	60	31	buying	buy	VERB
framr-4076	60	32	it	it	PRON
framr-4076	60	33	.	.	PUNCT
framr-4076	61	1	this	this	DET
framr-4076	61	2	type	type	NOUN
framr-4076	61	3	of	of	ADP
framr-4076	61	4	marketing	marketing	NOUN
framr-4076	61	5	misleads	mislead	NOUN
framr-4076	61	6	consumers	consumer	NOUN
framr-4076	61	7	by	by	ADP
framr-4076	61	8	describing	describe	VERB
framr-4076	61	9	a	a	DET
framr-4076	61	10	product	product	NOUN
framr-4076	61	11	's	's	PART
framr-4076	61	12	environmental	environmental	ADJ
framr-4076	61	13	features	feature	NOUN
framr-4076	61	14	in	in	ADP
framr-4076	61	15	a	a	DET
framr-4076	61	16	way	way	NOUN
framr-4076	61	17	that	that	PRON
framr-4076	61	18	is	be	AUX
framr-4076	61	19	difficult	difficult	ADJ
framr-4076	61	20	to	to	PART
framr-4076	61	21	understand	understand	VERB
framr-4076	61	22	by	by	ADP
framr-4076	61	23	making	make	VERB
framr-4076	61	24	ecological	ecological	ADJ
framr-4076	61	25	claims	claim	NOUN
framr-4076	61	26	that	that	PRON
framr-4076	61	27	are	be	AUX
framr-4076	61	28	not	not	PART
framr-4076	61	29	backed	back	VERB
framr-4076	61	30	by	by	ADP
framr-4076	61	31	evidence	evidence	NOUN
framr-4076	61	32	or	or	CCONJ
framr-4076	61	33	by	by	ADP
framr-4076	61	34	making	make	VERB
framr-4076	61	35	exaggerated	exaggerated	ADJ
framr-4076	61	36	claims	claim	NOUN
framr-4076	61	37	about	about	ADP
framr-4076	61	38	the	the	DET
framr-4076	61	39	product	product	NOUN
framr-4076	61	40	's	's	PART
framr-4076	61	41	environmental	environmental	ADJ
framr-4076	61	42	features	feature	NOUN
framr-4076	61	43	while	while	SCONJ
framr-4076	61	44	concealing	conceal	VERB
framr-4076	61	45	or	or	CCONJ
framr-4076	61	46	omitting	omit	VERB
framr-4076	61	47	relevant	relevant	ADJ
framr-4076	61	48	facts	fact	NOUN
framr-4076	61	49	(	(	PUNCT
framr-4076	61	50	chueca	chueca	PROPN
framr-4076	61	51	vergara	vergara	PROPN
framr-4076	61	52	&	&	CCONJ
framr-4076	61	53	ferruz	ferruz	PROPN
framr-4076	61	54	agudo	agudo	NOUN
framr-4076	61	55	,	,	PUNCT
framr-4076	61	56	2021	2021	NUM
framr-4076	61	57	;	;	PUNCT
framr-4076	61	58	rahman	rahman	PROPN
framr-4076	61	59	,	,	PUNCT
framr-4076	61	60	rahman	rahman	PROPN
framr-4076	61	61	,	,	PUNCT
framr-4076	61	62	tanchangya	tanchangya	PROPN
framr-4076	61	63	,	,	PUNCT
framr-4076	61	64	&	&	CCONJ
framr-4076	61	65	esquivias	esquivia	NOUN
framr-4076	61	66	,	,	PUNCT
framr-4076	61	67	2023	2023	NUM
framr-4076	61	68	)	)	PUNCT
framr-4076	61	69	.	.	PUNCT
framr-4076	62	1	people	people	NOUN
framr-4076	62	2	around	around	ADP
framr-4076	62	3	the	the	DET
framr-4076	62	4	world	world	NOUN
framr-4076	62	5	are	be	AUX
framr-4076	62	6	becoming	become	VERB
framr-4076	62	7	more	more	ADV
framr-4076	62	8	aware	aware	ADJ
framr-4076	62	9	of	of	ADP
framr-4076	62	10	the	the	DET
framr-4076	62	11	misleading	misleading	ADJ
framr-4076	62	12	or	or	CCONJ
framr-4076	62	13	outright	outright	ADJ
framr-4076	62	14	false	false	ADJ
framr-4076	62	15	environmental	environmental	ADJ
framr-4076	62	16	claims	claim	NOUN
framr-4076	62	17	that	that	SCONJ
framr-4076	62	18	businesses	business	NOUN
framr-4076	62	19	,	,	PUNCT
framr-4076	62	20	non	non	ADJ
framr-4076	62	21	-	-	ADJ
framr-4076	62	22	governmental	governmental	ADJ
framr-4076	62	23	organizations	organization	NOUN
framr-4076	62	24	(	(	PUNCT
framr-4076	62	25	ngos	ngo	NOUN
framr-4076	62	26	)	)	PUNCT
framr-4076	62	27	,	,	PUNCT
framr-4076	62	28	and	and	CCONJ
framr-4076	62	29	even	even	ADV
framr-4076	62	30	governments	government	NOUN
framr-4076	62	31	make	make	VERB
framr-4076	62	32	when	when	SCONJ
framr-4076	62	33	they	they	PRON
framr-4076	62	34	communicate	communicate	VERB
framr-4076	62	35	about	about	ADP
framr-4076	62	36	their	their	PRON
framr-4076	62	37	plans	plan	NOUN
framr-4076	62	38	to	to	PART
framr-4076	62	39	deal	deal	VERB
framr-4076	62	40	with	with	ADP
framr-4076	62	41	environmental	environmental	ADJ
framr-4076	62	42	and	and	CCONJ
framr-4076	62	43	climate	climate	NOUN
framr-4076	62	44	problems	problem	NOUN
framr-4076	62	45	.	.	PUNCT
framr-4076	63	1	organizations	organization	NOUN
framr-4076	63	2	can	can	AUX
framr-4076	63	3	exploit	exploit	VERB
framr-4076	63	4	such	such	ADJ
framr-4076	63	5	claims	claim	NOUN
framr-4076	63	6	to	to	PART
framr-4076	63	7	boost	boost	VERB
framr-4076	63	8	their	their	PRON
framr-4076	63	9	reputations	reputation	NOUN
framr-4076	63	10	,	,	PUNCT
framr-4076	63	11	customer	customer	NOUN
framr-4076	63	12	and	and	CCONJ
framr-4076	63	13	employee	employee	NOUN
framr-4076	63	14	relationships	relationship	NOUN
framr-4076	63	15	,	,	PUNCT
framr-4076	63	16	or	or	CCONJ
framr-4076	63	17	short	short	ADJ
framr-4076	63	18	-	-	PUNCT
framr-4076	63	19	term	term	NOUN
framr-4076	63	20	profitability	profitability	NOUN
framr-4076	63	21	.	.	PUNCT
framr-4076	64	1	however	however	ADV
framr-4076	64	2	,	,	PUNCT
framr-4076	64	3	they	they	PRON
framr-4076	64	4	are	be	AUX
framr-4076	64	5	unlikely	unlikely	ADJ
framr-4076	64	6	to	to	PART
framr-4076	64	7	implement	implement	VERB
framr-4076	64	8	the	the	DET
framr-4076	64	9	real	real	ADJ
framr-4076	64	10	changes	change	NOUN
framr-4076	64	11	that	that	PRON
framr-4076	64	12	are	be	AUX
framr-4076	64	13	needed	need	VERB
framr-4076	64	14	to	to	PART
framr-4076	64	15	quickly	quickly	ADV
framr-4076	64	16	lessen	lessen	VERB
framr-4076	64	17	their	their	PRON
framr-4076	64	18	harmful	harmful	ADJ
framr-4076	64	19	effects	effect	NOUN
framr-4076	64	20	on	on	ADP
framr-4076	64	21	the	the	DET
framr-4076	64	22	environment	environment	NOUN
framr-4076	64	23	(	(	PUNCT
framr-4076	64	24	nemes	neme	NOUN
framr-4076	64	25	et	et	PROPN
framr-4076	64	26	al	al	PROPN
framr-4076	64	27	.	.	PROPN
framr-4076	64	28	,	,	PUNCT
framr-4076	64	29	2022	2022	NUM
framr-4076	64	30	)	)	PUNCT
framr-4076	64	31	.	.	PUNCT
framr-4076	65	1	greenwashing	greenwashing	NOUN
framr-4076	65	2	is	be	AUX
framr-4076	65	3	still	still	ADV
framr-4076	65	4	prevalent	prevalent	ADJ
framr-4076	65	5	even	even	ADV
framr-4076	65	6	if	if	SCONJ
framr-4076	65	7	people	people	NOUN
framr-4076	65	8	are	be	AUX
framr-4076	65	9	becoming	become	VERB
framr-4076	65	10	more	more	ADV
framr-4076	65	11	aware	aware	ADJ
framr-4076	65	12	of	of	ADP
framr-4076	65	13	it	it	PRON
framr-4076	65	14	.	.	PUNCT
framr-4076	66	1	when	when	SCONJ
framr-4076	66	2	viewed	view	VERB
framr-4076	66	3	from	from	ADP
framr-4076	66	4	the	the	DET
framr-4076	66	5	lens	lens	NOUN
framr-4076	66	6	of	of	ADP
framr-4076	66	7	fintech	fintech	NOUN
framr-4076	66	8	,	,	PUNCT
framr-4076	66	9	an	an	DET
framr-4076	66	10	area	area	NOUN
framr-4076	66	11	where	where	SCONJ
framr-4076	66	12	new	new	ADJ
framr-4076	66	13	,	,	PUNCT
framr-4076	66	14	sustainability	sustainability	NOUN
framr-4076	66	15	-	-	PUNCT
framr-4076	66	16	focused	focus	VERB
framr-4076	66	17	financial	financial	ADJ
framr-4076	66	18	products	product	NOUN
framr-4076	66	19	have	have	AUX
framr-4076	66	20	been	be	AUX
framr-4076	66	21	made	make	VERB
framr-4076	66	22	easier	easy	ADJ
framr-4076	66	23	to	to	PART
framr-4076	66	24	create	create	VERB
framr-4076	66	25	and	and	CCONJ
framr-4076	66	26	market	market	NOUN
framr-4076	66	27	because	because	SCONJ
framr-4076	66	28	of	of	ADP
framr-4076	66	29	the	the	DET
framr-4076	66	30	combination	combination	NOUN
framr-4076	66	31	of	of	ADP
framr-4076	66	32	technology	technology	NOUN
framr-4076	66	33	and	and	CCONJ
framr-4076	66	34	finance	finance	NOUN
framr-4076	66	35	,	,	PUNCT
framr-4076	66	36	this	this	DET
framr-4076	66	37	issue	issue	NOUN
framr-4076	66	38	takes	take	VERB
framr-4076	66	39	on	on	ADP
framr-4076	66	40	further	further	ADJ
framr-4076	66	41	significance	significance	NOUN
framr-4076	66	42	.	.	PUNCT
framr-4076	67	1	there	there	PRON
framr-4076	67	2	have	have	AUX
framr-4076	67	3	been	be	AUX
framr-4076	67	4	cases	case	NOUN
framr-4076	67	5	where	where	SCONJ
framr-4076	67	6	fintech	fintech	NOUN
framr-4076	67	7	companies	company	NOUN
framr-4076	67	8	have	have	AUX
framr-4076	67	9	positioned	position	VERB
framr-4076	67	10	their	their	PRON
framr-4076	67	11	investing	investing	NOUN
framr-4076	67	12	platform	platform	NOUN
framr-4076	67	13	as	as	ADP
framr-4076	67	14	eco	eco	NOUN
framr-4076	67	15	-	-	PUNCT
framr-4076	67	16	friendly	friendly	ADJ
framr-4076	67	17	,	,	PUNCT
framr-4076	67	18	promising	promise	VERB
framr-4076	67	19	to	to	PART
framr-4076	67	20	reinvest	reinvest	VERB
framr-4076	67	21	in	in	ADP
framr-4076	67	22	green	green	ADJ
framr-4076	67	23	projects	project	NOUN
framr-4076	67	24	and	and	CCONJ
framr-4076	67	25	sustainable	sustainable	ADJ
framr-4076	67	26	companies	company	NOUN
framr-4076	67	27	.	.	PUNCT
framr-4076	68	1	investments	investment	NOUN
framr-4076	68	2	made	make	VERB
framr-4076	68	3	by	by	ADP
framr-4076	68	4	companies	company	NOUN
framr-4076	68	5	could	could	AUX
framr-4076	68	6	be	be	AUX
framr-4076	68	7	greenwashed	greenwashe	VERB
framr-4076	68	8	if	if	SCONJ
framr-4076	68	9	they	they	PRON
framr-4076	68	10	do	do	AUX
framr-4076	68	11	n't	not	PART
framr-4076	68	12	conduct	conduct	VERB
framr-4076	68	13	impact	impact	NOUN
framr-4076	68	14	assessments	assessment	NOUN
framr-4076	68	15	or	or	CCONJ
framr-4076	68	16	comply	comply	VERB
framr-4076	68	17	with	with	ADP
framr-4076	68	18	established	establish	VERB
framr-4076	68	19	environmental	environmental	ADJ
framr-4076	68	20	guidelines	guideline	NOUN
framr-4076	68	21	.	.	PUNCT
framr-4076	69	1	1.3	1.3	NUM
framr-4076	69	2	.	.	PUNCT
framr-4076	69	3	objectives	objective	NOUN
framr-4076	69	4	and	and	CCONJ
framr-4076	69	5	structure	structure	NOUN
framr-4076	69	6	of	of	ADP
framr-4076	69	7	the	the	DET
framr-4076	69	8	study	study	NOUN
framr-4076	69	9	the	the	DET
framr-4076	69	10	objectives	objective	NOUN
framr-4076	69	11	of	of	ADP
framr-4076	69	12	this	this	DET
framr-4076	69	13	study	study	NOUN
framr-4076	69	14	are	be	AUX
framr-4076	69	15	to	to	PART
framr-4076	69	16	investigate	investigate	VERB
framr-4076	69	17	greenwashing	greenwashing	NOUN
framr-4076	69	18	and	and	CCONJ
framr-4076	69	19	its	its	PRON
framr-4076	69	20	effects	effect	NOUN
framr-4076	69	21	on	on	ADP
framr-4076	69	22	fintech	fintech	NOUN
framr-4076	69	23	and	and	CCONJ
framr-4076	69	24	sustainable	sustainable	ADJ
framr-4076	69	25	development	development	NOUN
framr-4076	69	26	and	and	CCONJ
framr-4076	69	27	to	to	PART
framr-4076	69	28	analyze	analyze	VERB
framr-4076	69	29	the	the	DET
framr-4076	69	30	conceptual	conceptual	ADJ
framr-4076	69	31	frameworks	framework	NOUN
framr-4076	69	32	and	and	CCONJ
framr-4076	69	33	theoretical	theoretical	ADJ
framr-4076	69	34	perspectives	perspective	NOUN
framr-4076	69	35	that	that	PRON
framr-4076	69	36	underpin	underpin	VERB
framr-4076	69	37	the	the	DET
framr-4076	69	38	relationship	relationship	NOUN
framr-4076	69	39	between	between	ADP
framr-4076	69	40	fintech	fintech	NOUN
framr-4076	69	41	,	,	PUNCT
framr-4076	69	42	sustainability	sustainability	NOUN
framr-4076	69	43	,	,	PUNCT
framr-4076	69	44	and	and	CCONJ
framr-4076	69	45	greenwashing	greenwashing	NOUN
framr-4076	69	46	.	.	PUNCT
framr-4076	70	1	in	in	ADP
framr-4076	70	2	section	section	NOUN
framr-4076	70	3	2	2	NUM
framr-4076	70	4	,	,	PUNCT
framr-4076	70	5	conceptual	conceptual	ADJ
framr-4076	70	6	framework	framework	NOUN
framr-4076	70	7	is	be	AUX
framr-4076	70	8	discussed	discuss	VERB
framr-4076	70	9	.	.	PUNCT
framr-4076	71	1	section	section	NOUN
framr-4076	71	2	3	3	NUM
framr-4076	71	3	,	,	PUNCT
framr-4076	71	4	4	4	NUM
framr-4076	71	5	,	,	PUNCT
framr-4076	71	6	5	5	NUM
framr-4076	71	7	and	and	CCONJ
framr-4076	71	8	6	6	NUM
framr-4076	71	9	discussed	discuss	VERB
framr-4076	71	10	on	on	ADP
framr-4076	71	11	theoretical	theoretical	ADJ
framr-4076	71	12	perspective	perspective	NOUN
framr-4076	71	13	,	,	PUNCT
framr-4076	71	14	greenwashing	greenwashing	NOUN
framr-4076	71	15	impact	impact	NOUN
framr-4076	71	16	on	on	ADP
framr-4076	71	17	fintech	fintech	NOUN
framr-4076	71	18	,	,	PUNCT
framr-4076	71	19	case	case	NOUN
framr-4076	71	20	studies	study	NOUN
framr-4076	71	21	,	,	PUNCT
framr-4076	71	22	strategies	strategy	NOUN
framr-4076	71	23	to	to	PART
framr-4076	71	24	reduce	reduce	VERB
framr-4076	71	25	greenwashing	greenwashing	NOUN
framr-4076	71	26	respectively	respectively	ADV
framr-4076	71	27	.	.	PUNCT
framr-4076	72	1	finally	finally	ADV
framr-4076	72	2	,	,	PUNCT
framr-4076	72	3	conclusion	conclusion	NOUN
framr-4076	72	4	is	be	AUX
framr-4076	72	5	shown	show	VERB
framr-4076	72	6	in	in	ADP
framr-4076	72	7	section	section	NOUN
framr-4076	72	8	7	7	NUM
framr-4076	72	9	.	.	SYM
framr-4076	72	10	2	2	NUM
framr-4076	72	11	.	.	PUNCT
framr-4076	72	12	conceptual	conceptual	ADJ
framr-4076	72	13	framework	framework	NOUN
framr-4076	72	14	2.1	2.1	NUM
framr-4076	72	15	.	.	PUNCT
framr-4076	73	1	conceptual	conceptual	ADJ
framr-4076	73	2	framework	framework	NOUN
framr-4076	73	3	for	for	ADP
framr-4076	73	4	understanding	understand	VERB
framr-4076	73	5	greenwashing	greenwashe	VERB
framr-4076	73	6	2.1.1	2.1.1	NUM
framr-4076	73	7	.	.	PUNCT
framr-4076	74	1	historical	historical	ADJ
framr-4076	74	2	background	background	NOUN
framr-4076	74	3	and	and	CCONJ
framr-4076	74	4	evolution	evolution	NOUN
framr-4076	74	5	of	of	ADP
framr-4076	74	6	greenwashing	greenwashe	VERB
framr-4076	74	7	this	this	DET
framr-4076	74	8	practice	practice	NOUN
framr-4076	74	9	of	of	ADP
framr-4076	74	10	"	"	PUNCT
framr-4076	74	11	greenwashing	greenwashing	NOUN
framr-4076	74	12	"	"	PUNCT
framr-4076	74	13	is	be	AUX
framr-4076	74	14	not	not	PART
framr-4076	74	15	new	new	ADJ
framr-4076	74	16	,	,	PUNCT
framr-4076	74	17	and	and	CCONJ
framr-4076	74	18	it	it	PRON
framr-4076	74	19	's	be	AUX
framr-4076	74	20	not	not	PART
framr-4076	74	21	a	a	DET
framr-4076	74	22	response	response	NOUN
framr-4076	74	23	to	to	ADP
framr-4076	74	24	consumer	consumer	NOUN
framr-4076	74	25	demands	demand	NOUN
framr-4076	74	26	for	for	ADP
framr-4076	74	27	environmental	environmental	ADJ
framr-4076	74	28	protection	protection	NOUN
framr-4076	74	29	.	.	PUNCT
framr-4076	75	1	it	it	PRON
framr-4076	75	2	was	be	AUX
framr-4076	75	3	actually	actually	ADV
framr-4076	75	4	well	well	ADV
framr-4076	75	5	-	-	PUNCT
framr-4076	75	6	known	know	VERB
framr-4076	75	7	as	as	ADV
framr-4076	75	8	early	early	ADV
framr-4076	75	9	as	as	ADP
framr-4076	75	10	the	the	DET
framr-4076	75	11	mid-1980s	mid-1980	NOUN
framr-4076	75	12	(	(	PUNCT
framr-4076	75	13	dahl	dahl	NOUN
framr-4076	75	14	,	,	PUNCT
framr-4076	75	15	2010	2010	NUM
framr-4076	75	16	)	)	PUNCT
framr-4076	75	17	.	.	PUNCT
framr-4076	76	1	the	the	DET
framr-4076	76	2	term	term	NOUN
framr-4076	76	3	"	"	PUNCT
framr-4076	76	4	greenwashing	greenwashing	NOUN
framr-4076	76	5	"	"	PUNCT
framr-4076	76	6	was	be	AUX
framr-4076	76	7	initially	initially	ADV
framr-4076	76	8	introduced	introduce	VERB
framr-4076	76	9	by	by	ADP
framr-4076	76	10	american	american	ADJ
framr-4076	76	11	environmentalist	environmentalist	PROPN
framr-4076	76	12	jay	jay	PROPN
framr-4076	76	13	westerveld	westerveld	VERB
framr-4076	76	14	in	in	ADP
framr-4076	76	15	1986	1986	NUM
framr-4076	76	16	to	to	PART
framr-4076	76	17	denote	denote	VERB
framr-4076	76	18	the	the	DET
framr-4076	76	19	falsified	falsified	ADJ
framr-4076	76	20	environmental	environmental	ADJ
framr-4076	76	21	practices	practice	NOUN
framr-4076	76	22	that	that	PRON
framr-4076	76	23	hotels	hotel	NOUN
framr-4076	76	24	implement	implement	VERB
framr-4076	76	25	in	in	ADP
framr-4076	76	26	their	their	PRON
framr-4076	76	27	daily	daily	ADJ
framr-4076	76	28	operations	operation	NOUN
framr-4076	76	29	.	.	PUNCT
framr-4076	77	1	a	a	DET
framr-4076	77	2	new	new	ADJ
framr-4076	77	3	term	term	NOUN
framr-4076	77	4	has	have	AUX
framr-4076	77	5	been	be	AUX
framr-4076	77	6	coined	coin	VERB
framr-4076	77	7	by	by	ADP
framr-4076	77	8	combining	combine	VERB
framr-4076	77	9	the	the	DET
framr-4076	77	10	words	word	NOUN
framr-4076	77	11	"	"	PUNCT
framr-4076	77	12	green	green	ADJ
framr-4076	77	13	"	"	PUNCT
framr-4076	77	14	and	and	CCONJ
framr-4076	77	15	"	"	PUNCT
framr-4076	77	16	bleaching	bleaching	NOUN
framr-4076	77	17	.	.	PUNCT
framr-4076	77	18	"	"	PUNCT
framr-4076	78	1	"	"	PUNCT
framr-4076	78	2	green	green	ADJ
framr-4076	78	3	"	"	PUNCT
framr-4076	78	4	means	mean	VERB
framr-4076	78	5	healthy	healthy	ADJ
framr-4076	78	6	,	,	PUNCT
framr-4076	78	7	natural	natural	ADJ
framr-4076	78	8	,	,	PUNCT
framr-4076	78	9	and	and	CCONJ
framr-4076	78	10	environmentally	environmentally	ADV
framr-4076	78	11	friendly	friendly	ADJ
framr-4076	78	12	.	.	PUNCT
framr-4076	79	1	to	to	PART
framr-4076	79	2	use	use	VERB
framr-4076	79	3	the	the	DET
framr-4076	79	4	term	term	NOUN
framr-4076	79	5	"	"	PUNCT
framr-4076	79	6	bleaching	bleaching	NOUN
framr-4076	79	7	"	"	PUNCT
framr-4076	79	8	to	to	PART
framr-4076	79	9	describe	describe	VERB
framr-4076	79	10	the	the	DET
framr-4076	79	11	process	process	NOUN
framr-4076	79	12	of	of	ADP
framr-4076	79	13	"	"	PUNCT
framr-4076	79	14	washing	wash	VERB
framr-4076	79	15	away	away	ADP
framr-4076	79	16	the	the	DET
framr-4076	79	17	material	material	NOUN
framr-4076	79	18	with	with	ADP
framr-4076	79	19	water	water	NOUN
framr-4076	79	20	"	"	PUNCT
framr-4076	79	21	for	for	ADP
framr-4076	79	22	this	this	DET
framr-4076	79	23	discussion	discussion	NOUN
framr-4076	79	24	,	,	PUNCT
framr-4076	79	25	greenwashing	greenwashing	NOUN
framr-4076	79	26	can	can	AUX
framr-4076	79	27	be	be	AUX
framr-4076	79	28	understood	understand	VERB
framr-4076	79	29	to	to	PART
framr-4076	79	30	mean	mean	VERB
framr-4076	79	31	the	the	DET
framr-4076	79	32	practice	practice	NOUN
framr-4076	79	33	of	of	ADP
framr-4076	79	34	applying	apply	VERB
framr-4076	79	35	a	a	DET
framr-4076	79	36	false	false	ADJ
framr-4076	79	37	green	green	ADJ
framr-4076	79	38	colour	colour	NOUN
framr-4076	79	39	to	to	ADP
framr-4076	79	40	an	an	DET
framr-4076	79	41	object	object	NOUN
framr-4076	79	42	in	in	ADP
framr-4076	79	43	order	order	NOUN
framr-4076	79	44	to	to	PART
framr-4076	79	45	conceal	conceal	VERB
framr-4076	79	46	the	the	DET
framr-4076	79	47	actual	actual	ADJ
framr-4076	79	48	colour	colour	NOUN
framr-4076	79	49	(	(	PUNCT
framr-4076	79	50	wang	wang	PROPN
framr-4076	79	51	et	et	PROPN
framr-4076	79	52	al	al	PROPN
framr-4076	79	53	.	.	PROPN
framr-4076	79	54	,	,	PUNCT
framr-4076	79	55	2023	2023	NUM
framr-4076	79	56	)	)	PUNCT
framr-4076	79	57	.	.	PUNCT
framr-4076	80	1	on	on	ADP
framr-4076	80	2	the	the	DET
framr-4076	80	3	contrary	contrary	NOUN
framr-4076	80	4	,	,	PUNCT
framr-4076	80	5	mitchell	mitchell	PROPN
framr-4076	80	6	and	and	CCONJ
framr-4076	80	7	ramey	ramey	PROPN
framr-4076	80	8	(	(	PUNCT
framr-4076	80	9	2011	2011	NUM
framr-4076	80	10	)	)	PUNCT
framr-4076	80	11	stated	state	VERB
framr-4076	80	12	that	that	SCONJ
framr-4076	80	13	greenwashing	greenwashing	NOUN
framr-4076	80	14	is	be	AUX
framr-4076	80	15	a	a	DET
framr-4076	80	16	hybrid	hybrid	NOUN
framr-4076	80	17	of	of	ADP
framr-4076	80	18	"	"	PUNCT
framr-4076	80	19	green	green	ADJ
framr-4076	80	20	"	"	PUNCT
framr-4076	80	21	and	and	CCONJ
framr-4076	80	22	"	"	PUNCT
framr-4076	80	23	brainwashing	brainwash	VERB
framr-4076	80	24	,	,	PUNCT
framr-4076	80	25	"	"	PUNCT
framr-4076	80	26	using	use	VERB
framr-4076	80	27	the	the	DET
framr-4076	80	28	second	second	ADJ
framr-4076	80	29	term	term	NOUN
framr-4076	80	30	in	in	ADP
framr-4076	80	31	reference	reference	NOUN
framr-4076	80	32	to	to	ADP
framr-4076	80	33	environmental	environmental	ADJ
framr-4076	80	34	issues	issue	NOUN
framr-4076	80	35	.	.	PUNCT
framr-4076	81	1	therefore	therefore	ADV
framr-4076	81	2	,	,	PUNCT
framr-4076	81	3	greenwashing	greenwashing	NOUN
framr-4076	81	4	arises	arise	VERB
framr-4076	81	5	when	when	SCONJ
framr-4076	81	6	companies	company	NOUN
framr-4076	81	7	try	try	VERB
framr-4076	81	8	to	to	PART
framr-4076	81	9	resolve	resolve	VERB
framr-4076	81	10	the	the	DET
framr-4076	81	11	conflict	conflict	NOUN
framr-4076	81	12	between	between	ADP
framr-4076	81	13	how	how	SCONJ
framr-4076	81	14	much	much	ADJ
framr-4076	81	15	they	they	PRON
framr-4076	81	16	really	really	ADV
framr-4076	81	17	care	care	VERB
framr-4076	81	18	about	about	ADP
framr-4076	81	19	the	the	DET
framr-4076	81	20	environment	environment	NOUN
framr-4076	81	21	and	and	CCONJ
framr-4076	81	22	how	how	SCONJ
framr-4076	81	23	much	much	ADV
framr-4076	81	24	they	they	PRON
framr-4076	81	25	try	try	VERB
framr-4076	81	26	to	to	PART
framr-4076	81	27	play	play	VERB
framr-4076	81	28	a	a	DET
framr-4076	81	29	role	role	NOUN
framr-4076	81	30	in	in	ADP
framr-4076	81	31	greenwashing	greenwashing	NOUN
framr-4076	81	32	.	.	PUNCT
framr-4076	82	1	scholars	scholar	NOUN
framr-4076	82	2	characterised	characterise	VERB
framr-4076	82	3	greenwashing	greenwashe	VERB
framr-4076	82	4	as	as	ADP
framr-4076	82	5	a	a	DET
framr-4076	82	6	tactic	tactic	NOUN
framr-4076	82	7	that	that	PRON
framr-4076	82	8	is	be	AUX
framr-4076	82	9	founded	found	VERB
framr-4076	82	10	on	on	ADP
framr-4076	82	11	disclosure	disclosure	NOUN
framr-4076	82	12	(	(	PUNCT
framr-4076	82	13	cooper	cooper	NOUN
framr-4076	82	14	,	,	PUNCT
framr-4076	82	15	raman	raman	NOUN
framr-4076	82	16	,	,	PUNCT
framr-4076	82	17	&	&	CCONJ
framr-4076	82	18	yin	yin	PROPN
framr-4076	82	19	,	,	PUNCT
framr-4076	82	20	2018	2018	NUM
framr-4076	82	21	;	;	PUNCT
framr-4076	82	22	lee	lee	PROPN
framr-4076	82	23	&	&	CCONJ
framr-4076	82	24	raschke	raschke	PROPN
framr-4076	82	25	,	,	PUNCT
framr-4076	82	26	2023	2023	NUM
framr-4076	82	27	)	)	PUNCT
framr-4076	82	28	and	and	CCONJ
framr-4076	82	29	may	may	AUX
framr-4076	82	30	be	be	AUX
framr-4076	82	31	affected	affect	VERB
framr-4076	82	32	by	by	ADP
framr-4076	82	33	external	external	ADJ
framr-4076	82	34	constraints	constraint	NOUN
framr-4076	82	35	,	,	PUNCT
framr-4076	82	36	incentives	incentive	NOUN
framr-4076	82	37	,	,	PUNCT
framr-4076	82	38	or	or	CCONJ
framr-4076	82	39	forces	force	NOUN
framr-4076	82	40	that	that	PRON
framr-4076	82	41	shape	shape	VERB
framr-4076	82	42	the	the	DET
framr-4076	82	43	institutional	institutional	ADJ
framr-4076	82	44	atmosphere	atmosphere	NOUN
framr-4076	82	45	where	where	SCONJ
framr-4076	82	46	the	the	DET
framr-4076	82	47	strategies	strategy	NOUN
framr-4076	82	48	of	of	ADP
framr-4076	82	49	falsely	falsely	ADV
framr-4076	82	50	reporting	report	VERB
framr-4076	82	51	green	green	ADJ
framr-4076	82	52	initiatives	initiative	NOUN
framr-4076	82	53	are	be	AUX
framr-4076	82	54	made	make	VERB
framr-4076	82	55	(	(	PUNCT
framr-4076	82	56	li	li	PROPN
framr-4076	82	57	,	,	PUNCT
framr-4076	82	58	li	li	PROPN
framr-4076	82	59	,	,	PUNCT
framr-4076	82	60	seppänen	seppänen	NOUN
framr-4076	82	61	,	,	PUNCT
framr-4076	82	62	&	&	CCONJ
framr-4076	82	63	koivumäki	koivumäki	PROPN
framr-4076	82	64	,	,	PUNCT
framr-4076	82	65	2023	2023	NUM
framr-4076	82	66	;	;	PUNCT
framr-4076	82	67	seele	seele	PROPN
framr-4076	82	68	&	&	CCONJ
framr-4076	82	69	schultz	schultz	PROPN
framr-4076	82	70	,	,	PUNCT
framr-4076	82	71	2022	2022	NUM
framr-4076	82	72	;	;	PUNCT
framr-4076	82	73	velte	velte	NOUN
framr-4076	82	74	,	,	PUNCT
framr-4076	82	75	2022	2022	NUM
framr-4076	82	76	)	)	PUNCT
framr-4076	82	77	.	.	PUNCT
framr-4076	83	1	many	many	ADJ
framr-4076	83	2	academic	academic	ADJ
framr-4076	83	3	fields	field	NOUN
framr-4076	83	4	have	have	AUX
framr-4076	83	5	looked	look	VERB
framr-4076	83	6	into	into	ADP
framr-4076	83	7	the	the	DET
framr-4076	83	8	idea	idea	NOUN
framr-4076	83	9	of	of	ADP
framr-4076	83	10	"	"	PUNCT
framr-4076	83	11	greenwashing	greenwashing	NOUN
framr-4076	83	12	,	,	PUNCT
framr-4076	83	13	"	"	PUNCT
framr-4076	83	14	and	and	CCONJ
framr-4076	83	15	it	it	PRON
framr-4076	83	16	has	have	AUX
framr-4076	83	17	also	also	ADV
framr-4076	83	18	been	be	AUX
framr-4076	83	19	brought	bring	VERB
framr-4076	83	20	up	up	ADP
framr-4076	83	21	in	in	ADP
framr-4076	83	22	discussions	discussion	NOUN
framr-4076	83	23	among	among	ADP
framr-4076	83	24	different	different	ADJ
framr-4076	83	25	government	government	NOUN
framr-4076	83	26	agencies	agency	NOUN
framr-4076	83	27	and	and	CCONJ
framr-4076	83	28	ngos	ngo	NOUN
framr-4076	83	29	.	.	PUNCT
framr-4076	84	1	legal	legal	ADJ
framr-4076	84	2	studies	study	NOUN
framr-4076	84	3	,	,	PUNCT
framr-4076	84	4	production	production	NOUN
framr-4076	84	5	engineering	engineering	NOUN
framr-4076	84	6	,	,	PUNCT
framr-4076	84	7	environmental	environmental	ADJ
framr-4076	84	8	financial	financial	ADJ
framr-4076	84	9	risk	risk	NOUN
framr-4076	84	10	and	and	CCONJ
framr-4076	84	11	management	management	NOUN
framr-4076	84	12	reviews	review	NOUN
framr-4076	84	13	,	,	PUNCT
framr-4076	84	14	2025	2025	NUM
framr-4076	84	15	,	,	PUNCT
framr-4076	84	16	11(1	11(1	NUM
framr-4076	84	17	):	):	PUNCT
framr-4076	84	18	37	37	NUM
framr-4076	84	19	-	-	SYM
framr-4076	84	20	71	71	NUM
framr-4076	84	21	40	40	NUM
framr-4076	84	22	©	©	PROPN
framr-4076	84	23	2025	2025	NUM
framr-4076	84	24	conscientia	conscientia	PROPN
framr-4076	84	25	beam	beam	PROPN
framr-4076	84	26	.	.	PUNCT
framr-4076	85	1	all	all	DET
framr-4076	85	2	rights	right	NOUN
framr-4076	85	3	reserved	reserve	VERB
framr-4076	85	4	.	.	PUNCT
framr-4076	86	1	studies	study	NOUN
framr-4076	86	2	and	and	CCONJ
framr-4076	86	3	management	management	NOUN
framr-4076	86	4	,	,	PUNCT
framr-4076	86	5	advertising	advertising	NOUN
framr-4076	86	6	,	,	PUNCT
framr-4076	86	7	ethics	ethic	NOUN
framr-4076	86	8	,	,	PUNCT
framr-4076	86	9	and	and	CCONJ
framr-4076	86	10	marketing	marketing	NOUN
framr-4076	86	11	are	be	AUX
framr-4076	86	12	just	just	ADV
framr-4076	86	13	a	a	DET
framr-4076	86	14	few	few	ADJ
framr-4076	86	15	of	of	ADP
framr-4076	86	16	the	the	DET
framr-4076	86	17	areas	area	NOUN
framr-4076	86	18	that	that	PRON
framr-4076	86	19	have	have	AUX
framr-4076	86	20	contributed	contribute	VERB
framr-4076	86	21	to	to	ADP
framr-4076	86	22	its	its	PRON
framr-4076	86	23	conceptualization	conceptualization	NOUN
framr-4076	86	24	and	and	CCONJ
framr-4076	86	25	understanding	understanding	NOUN
framr-4076	86	26	.	.	PUNCT
framr-4076	87	1	social	social	ADJ
framr-4076	87	2	science	science	NOUN
framr-4076	87	3	has	have	AUX
framr-4076	87	4	also	also	ADV
framr-4076	87	5	played	play	VERB
framr-4076	87	6	a	a	DET
framr-4076	87	7	role	role	NOUN
framr-4076	87	8	.	.	PUNCT
framr-4076	88	1	given	give	VERB
framr-4076	88	2	the	the	DET
framr-4076	88	3	multitude	multitude	NOUN
framr-4076	88	4	of	of	ADP
framr-4076	88	5	opinions	opinion	NOUN
framr-4076	88	6	,	,	PUNCT
framr-4076	88	7	it	it	PRON
framr-4076	88	8	's	be	AUX
framr-4076	88	9	not	not	PART
framr-4076	88	10	surprising	surprising	ADJ
framr-4076	88	11	that	that	SCONJ
framr-4076	88	12	there	there	PRON
framr-4076	88	13	is	be	VERB
framr-4076	88	14	no	no	DET
framr-4076	88	15	widely	widely	ADV
framr-4076	88	16	agreed	agree	VERB
framr-4076	88	17	-	-	PUNCT
framr-4076	88	18	upon	upon	ADP
framr-4076	88	19	definition	definition	NOUN
framr-4076	88	20	of	of	ADP
framr-4076	88	21	greenwashing	greenwashing	NOUN
framr-4076	88	22	.	.	PUNCT
framr-4076	89	1	concepts	concept	NOUN
framr-4076	89	2	of	of	ADP
framr-4076	89	3	greenwashing	greenwashing	NOUN
framr-4076	89	4	are	be	AUX
framr-4076	89	5	also	also	ADV
framr-4076	89	6	constantly	constantly	ADV
framr-4076	89	7	changing	change	VERB
framr-4076	89	8	in	in	ADP
framr-4076	89	9	response	response	NOUN
framr-4076	89	10	to	to	ADP
framr-4076	89	11	the	the	DET
framr-4076	89	12	issue	issue	NOUN
framr-4076	89	13	's	's	PART
framr-4076	89	14	growing	grow	VERB
framr-4076	89	15	significance	significance	NOUN
framr-4076	89	16	and	and	CCONJ
framr-4076	89	17	attention	attention	NOUN
framr-4076	89	18	,	,	PUNCT
framr-4076	89	19	making	make	VERB
framr-4076	89	20	it	it	PRON
framr-4076	89	21	a	a	DET
framr-4076	89	22	shifting	shift	VERB
framr-4076	89	23	target	target	NOUN
framr-4076	89	24	in	in	ADP
framr-4076	89	25	discussions	discussion	NOUN
framr-4076	89	26	among	among	ADP
framr-4076	89	27	academics	academic	NOUN
framr-4076	89	28	,	,	PUNCT
framr-4076	89	29	practitioners	practitioner	NOUN
framr-4076	89	30	,	,	PUNCT
framr-4076	89	31	and	and	CCONJ
framr-4076	89	32	policymakers	policymaker	NOUN
framr-4076	89	33	(	(	PUNCT
framr-4076	89	34	nemes	neme	NOUN
framr-4076	89	35	et	et	PROPN
framr-4076	89	36	al	al	PROPN
framr-4076	89	37	.	.	PROPN
framr-4076	89	38	,	,	PUNCT
framr-4076	89	39	2022	2022	NUM
framr-4076	89	40	)	)	PUNCT
framr-4076	89	41	.	.	PUNCT
framr-4076	90	1	2.1.2	2.1.2	X
framr-4076	90	2	.	.	NUM
framr-4076	90	3	types	type	NOUN
framr-4076	90	4	and	and	CCONJ
framr-4076	90	5	characteristics	characteristic	NOUN
framr-4076	90	6	of	of	ADP
framr-4076	90	7	greenwashing	greenwashe	VERB
framr-4076	90	8	greenwashing	greenwashing	NOUN
framr-4076	90	9	occurs	occur	VERB
framr-4076	90	10	when	when	SCONJ
framr-4076	90	11	a	a	DET
framr-4076	90	12	company	company	NOUN
framr-4076	90	13	or	or	CCONJ
framr-4076	90	14	organisation	organisation	NOUN
framr-4076	90	15	misleads	mislead	VERB
framr-4076	90	16	its	its	PRON
framr-4076	90	17	customers	customer	NOUN
framr-4076	90	18	about	about	ADP
framr-4076	90	19	its	its	PRON
framr-4076	90	20	environmental	environmental	ADJ
framr-4076	90	21	practices	practice	NOUN
framr-4076	90	22	(	(	PUNCT
framr-4076	90	23	firm	firm	ADJ
framr-4076	90	24	level	level	NOUN
framr-4076	90	25	)	)	PUNCT
framr-4076	90	26	or	or	CCONJ
framr-4076	90	27	the	the	DET
framr-4076	90	28	ecological	ecological	ADJ
framr-4076	90	29	benefits	benefit	NOUN
framr-4076	90	30	of	of	ADP
framr-4076	90	31	its	its	PRON
framr-4076	90	32	products	product	NOUN
framr-4076	90	33	and	and	CCONJ
framr-4076	90	34	services	service	NOUN
framr-4076	90	35	(	(	PUNCT
framr-4076	90	36	product	product	NOUN
framr-4076	90	37	/	/	SYM
framr-4076	90	38	service	service	NOUN
framr-4076	90	39	level	level	NOUN
framr-4076	90	40	)	)	PUNCT
framr-4076	90	41	(	(	PUNCT
framr-4076	90	42	delmas	delmas	PROPN
framr-4076	90	43	&	&	CCONJ
framr-4076	90	44	burbano	burbano	PROPN
framr-4076	90	45	,	,	PUNCT
framr-4076	90	46	2011	2011	NUM
framr-4076	90	47	)	)	PUNCT
framr-4076	90	48	.	.	PUNCT
framr-4076	91	1	greenwashing	greenwashing	NOUN
framr-4076	91	2	can	can	AUX
framr-4076	91	3	take	take	VERB
framr-4076	91	4	various	various	ADJ
framr-4076	91	5	forms	form	NOUN
framr-4076	91	6	.	.	PUNCT
framr-4076	92	1	prior	prior	ADJ
framr-4076	92	2	research	research	NOUN
framr-4076	92	3	has	have	AUX
framr-4076	92	4	mostly	mostly	ADV
framr-4076	92	5	focused	focus	VERB
framr-4076	92	6	on	on	ADP
framr-4076	92	7	two	two	NUM
framr-4076	92	8	main	main	ADJ
framr-4076	92	9	categories	category	NOUN
framr-4076	92	10	of	of	ADP
framr-4076	92	11	greenwashing	greenwashing	NOUN
framr-4076	92	12	:	:	PUNCT
framr-4076	92	13	claim	claim	NOUN
framr-4076	92	14	and	and	CCONJ
framr-4076	92	15	execution	execution	NOUN
framr-4076	92	16	greenwashing	greenwashing	NOUN
framr-4076	92	17	.	.	PUNCT
framr-4076	93	1	so	so	ADV
framr-4076	93	2	far	far	ADV
framr-4076	93	3	,	,	PUNCT
framr-4076	93	4	most	most	ADJ
framr-4076	93	5	studies	study	NOUN
framr-4076	93	6	have	have	AUX
framr-4076	93	7	been	be	AUX
framr-4076	93	8	conducted	conduct	VERB
framr-4076	93	9	regarding	regard	VERB
framr-4076	93	10	product	product	NOUN
framr-4076	93	11	or	or	CCONJ
framr-4076	93	12	service	service	NOUN
framr-4076	93	13	-	-	PUNCT
framr-4076	93	14	level	level	NOUN
framr-4076	93	15	claims	claim	NOUN
framr-4076	93	16	of	of	ADP
framr-4076	93	17	greenwashing	greenwashing	NOUN
framr-4076	93	18	.	.	PUNCT
framr-4076	94	1	this	this	PRON
framr-4076	94	2	is	be	AUX
framr-4076	94	3	when	when	SCONJ
framr-4076	94	4	companies	company	NOUN
framr-4076	94	5	make	make	VERB
framr-4076	94	6	an	an	DET
framr-4076	94	7	environmental	environmental	ADJ
framr-4076	94	8	claim	claim	NOUN
framr-4076	94	9	about	about	ADP
framr-4076	94	10	a	a	DET
framr-4076	94	11	product	product	NOUN
framr-4076	94	12	or	or	CCONJ
framr-4076	94	13	service	service	NOUN
framr-4076	94	14	that	that	PRON
framr-4076	94	15	is	be	AUX
framr-4076	94	16	n't	not	PART
framr-4076	94	17	true	true	ADJ
framr-4076	94	18	by	by	ADP
framr-4076	94	19	using	use	VERB
framr-4076	94	20	textual	textual	ADJ
framr-4076	94	21	justifications	justification	NOUN
framr-4076	94	22	that	that	PRON
framr-4076	94	23	directly	directly	ADV
framr-4076	94	24	or	or	CCONJ
framr-4076	94	25	indirectly	indirectly	ADV
framr-4076	94	26	highlight	highlight	VERB
framr-4076	94	27	how	how	SCONJ
framr-4076	94	28	beneficial	beneficial	ADJ
framr-4076	94	29	it	it	PRON
framr-4076	94	30	is	be	AUX
framr-4076	94	31	for	for	ADP
framr-4076	94	32	the	the	DET
framr-4076	94	33	environment	environment	NOUN
framr-4076	94	34	(	(	PUNCT
framr-4076	94	35	de	de	X
framr-4076	94	36	freitas	freitas	PROPN
framr-4076	94	37	netto	netto	PROPN
framr-4076	94	38	et	et	PROPN
framr-4076	94	39	al	al	PROPN
framr-4076	94	40	.	.	PROPN
framr-4076	94	41	,	,	PUNCT
framr-4076	94	42	2020	2020	NUM
framr-4076	94	43	)	)	PUNCT
framr-4076	94	44	.	.	PUNCT
framr-4076	95	1	other	other	ADJ
framr-4076	95	2	kinds	kind	NOUN
framr-4076	95	3	of	of	ADP
framr-4076	95	4	claims	claim	NOUN
framr-4076	95	5	,	,	PUNCT
framr-4076	95	6	all	all	PRON
framr-4076	95	7	taken	take	VERB
framr-4076	95	8	from	from	ADP
framr-4076	95	9	existing	exist	VERB
framr-4076	95	10	(	(	PUNCT
framr-4076	95	11	nemes	neme	NOUN
framr-4076	95	12	et	et	PROPN
framr-4076	95	13	al	al	PROPN
framr-4076	95	14	.	.	PROPN
framr-4076	95	15	,	,	PUNCT
framr-4076	95	16	2022	2022	NUM
framr-4076	95	17	)	)	PUNCT
framr-4076	95	18	studies	study	NOUN
framr-4076	95	19	,	,	PUNCT
framr-4076	95	20	are	be	AUX
framr-4076	95	21	also	also	ADV
framr-4076	95	22	used	use	VERB
framr-4076	95	23	in	in	ADP
framr-4076	95	24	greenwashing	greenwashe	VERB
framr-4076	95	25	.	.	PUNCT
framr-4076	96	1	a	a	DET
framr-4076	96	2	)	)	PUNCT
framr-4076	96	3	selective	selective	ADJ
framr-4076	96	4	disclosure	disclosure	NOUN
framr-4076	96	5	claims	claim	NOUN
framr-4076	96	6	:	:	PUNCT
framr-4076	96	7	based	base	VERB
framr-4076	96	8	on	on	ADP
framr-4076	96	9	a	a	DET
framr-4076	96	10	small	small	ADJ
framr-4076	96	11	number	number	NOUN
framr-4076	96	12	of	of	ADP
framr-4076	96	13	characteristics	characteristic	NOUN
framr-4076	96	14	,	,	PUNCT
framr-4076	96	15	divert	divert	VERB
framr-4076	96	16	attention	attention	NOUN
framr-4076	96	17	away	away	ADV
framr-4076	96	18	from	from	ADP
framr-4076	96	19	the	the	DET
framr-4076	96	20	broader	broad	ADJ
framr-4076	96	21	environmental	environmental	ADJ
framr-4076	96	22	effect	effect	NOUN
framr-4076	96	23	of	of	ADP
framr-4076	96	24	the	the	DET
framr-4076	96	25	company	company	NOUN
framr-4076	96	26	.	.	PUNCT
framr-4076	97	1	b	b	X
framr-4076	97	2	)	)	PUNCT
framr-4076	97	3	empty	empty	ADJ
framr-4076	97	4	claims	claim	NOUN
framr-4076	97	5	:	:	PUNCT
framr-4076	97	6	when	when	SCONJ
framr-4076	97	7	company	company	NOUN
framr-4076	97	8	policies	policy	NOUN
framr-4076	97	9	or	or	CCONJ
framr-4076	97	10	claims	claim	NOUN
framr-4076	97	11	either	either	CCONJ
framr-4076	97	12	overstate	overstate	VERB
framr-4076	97	13	their	their	PRON
framr-4076	97	14	accomplishments	accomplishment	NOUN
framr-4076	97	15	or	or	CCONJ
framr-4076	97	16	do	do	AUX
framr-4076	97	17	not	not	PART
framr-4076	97	18	deliver	deliver	VERB
framr-4076	97	19	on	on	ADP
framr-4076	97	20	their	their	PRON
framr-4076	97	21	commitments	commitment	NOUN
framr-4076	97	22	.	.	PUNCT
framr-4076	98	1	c	c	X
framr-4076	98	2	)	)	PUNCT
framr-4076	98	3	irrelevant	irrelevant	ADJ
framr-4076	98	4	claims	claim	NOUN
framr-4076	98	5	:	:	PUNCT
framr-4076	98	6	statements	statement	NOUN
framr-4076	98	7	about	about	ADP
framr-4076	98	8	achievements	achievement	NOUN
framr-4076	98	9	that	that	PRON
framr-4076	98	10	are	be	AUX
framr-4076	98	11	either	either	CCONJ
framr-4076	98	12	inconsequential	inconsequential	ADJ
framr-4076	98	13	or	or	CCONJ
framr-4076	98	14	compelled	compel	VERB
framr-4076	98	15	by	by	ADP
framr-4076	98	16	law	law	NOUN
framr-4076	98	17	or	or	CCONJ
framr-4076	98	18	rivals	rival	NOUN
framr-4076	98	19	.	.	PUNCT
framr-4076	99	1	d	d	X
framr-4076	99	2	)	)	PUNCT
framr-4076	99	3	lies	lie	NOUN
framr-4076	99	4	:	:	PUNCT
framr-4076	99	5	statements	statement	NOUN
framr-4076	99	6	are	be	AUX
framr-4076	99	7	completely	completely	ADV
framr-4076	99	8	false	false	ADJ
framr-4076	99	9	.	.	PUNCT
framr-4076	100	1	e	e	X
framr-4076	100	2	)	)	PUNCT
framr-4076	100	3	just	just	ADV
framr-4076	100	4	not	not	PART
framr-4076	100	5	credible	credible	ADJ
framr-4076	100	6	:	:	PUNCT
framr-4076	100	7	when	when	SCONJ
framr-4076	100	8	a	a	DET
framr-4076	100	9	potentially	potentially	ADV
framr-4076	100	10	harmful	harmful	ADJ
framr-4076	100	11	or	or	CCONJ
framr-4076	100	12	divisive	divisive	ADJ
framr-4076	100	13	action	action	NOUN
framr-4076	100	14	,	,	PUNCT
framr-4076	100	15	policy	policy	NOUN
framr-4076	100	16	,	,	PUNCT
framr-4076	100	17	or	or	CCONJ
framr-4076	100	18	product	product	NOUN
framr-4076	100	19	is	be	AUX
framr-4076	100	20	portrayed	portray	VERB
framr-4076	100	21	as	as	ADP
framr-4076	100	22	having	have	VERB
framr-4076	100	23	environmentfriendly	environmentfriendly	ADV
framr-4076	100	24	benefits	benefit	NOUN
framr-4076	100	25	.	.	PUNCT
framr-4076	101	1	f	f	X
framr-4076	101	2	)	)	PUNCT
framr-4076	101	3	dubious	dubious	ADJ
framr-4076	101	4	certifications	certification	NOUN
framr-4076	101	5	and	and	CCONJ
framr-4076	101	6	labels	label	NOUN
framr-4076	101	7	:	:	PUNCT
framr-4076	101	8	the	the	DET
framr-4076	101	9	claim	claim	NOUN
framr-4076	101	10	has	have	VERB
framr-4076	101	11	certifications	certification	NOUN
framr-4076	101	12	that	that	PRON
framr-4076	101	13	are	be	AUX
framr-4076	101	14	easy	easy	ADJ
framr-4076	101	15	to	to	PART
framr-4076	101	16	counterfeit	counterfeit	VERB
framr-4076	101	17	.	.	PUNCT
framr-4076	102	1	g	g	NOUN
framr-4076	102	2	)	)	PUNCT
framr-4076	102	3	political	political	ADJ
framr-4076	102	4	spin	spin	NOUN
framr-4076	102	5	:	:	PUNCT
framr-4076	102	6	proclaims	proclaim	VERB
framr-4076	102	7	its	its	PRON
framr-4076	102	8	commitment	commitment	NOUN
framr-4076	102	9	to	to	ADP
framr-4076	102	10	environmental	environmental	ADJ
framr-4076	102	11	sustainability	sustainability	NOUN
framr-4076	102	12	while	while	SCONJ
framr-4076	102	13	actively	actively	ADV
framr-4076	102	14	opposing	oppose	VERB
framr-4076	102	15	environmental	environmental	ADJ
framr-4076	102	16	legislation	legislation	NOUN
framr-4076	102	17	.	.	PUNCT
framr-4076	103	1	h	h	X
framr-4076	103	2	)	)	PUNCT
framr-4076	103	3	vagueness	vagueness	NOUN
framr-4076	103	4	:	:	PUNCT
framr-4076	103	5	the	the	DET
framr-4076	103	6	idea	idea	NOUN
framr-4076	103	7	is	be	AUX
framr-4076	103	8	not	not	PART
framr-4076	103	9	clearly	clearly	ADV
framr-4076	103	10	articulated	articulated	ADJ
framr-4076	103	11	,	,	PUNCT
framr-4076	103	12	and	and	CCONJ
framr-4076	103	13	hence	hence	ADV
framr-4076	103	14	,	,	PUNCT
framr-4076	103	15	the	the	DET
framr-4076	103	16	intended	intend	VERB
framr-4076	103	17	significance	significance	NOUN
framr-4076	103	18	is	be	AUX
framr-4076	103	19	ambiguous	ambiguous	ADJ
framr-4076	103	20	.	.	PUNCT
framr-4076	104	1	i	i	PRON
framr-4076	104	2	)	)	PUNCT
framr-4076	104	3	jargon	jargon	PROPN
framr-4076	104	4	:	:	PUNCT
framr-4076	104	5	the	the	DET
framr-4076	104	6	claim	claim	NOUN
framr-4076	104	7	's	's	PART
framr-4076	104	8	language	language	NOUN
framr-4076	104	9	and	and	CCONJ
framr-4076	104	10	facts	fact	NOUN
framr-4076	104	11	are	be	AUX
framr-4076	104	12	difficult	difficult	ADJ
framr-4076	104	13	for	for	SCONJ
framr-4076	104	14	the	the	DET
framr-4076	104	15	consumers	consumer	NOUN
framr-4076	104	16	to	to	PART
framr-4076	104	17	understand	understand	VERB
framr-4076	104	18	and	and	CCONJ
framr-4076	104	19	evaluate	evaluate	VERB
framr-4076	104	20	clearly	clearly	ADV
framr-4076	104	21	.	.	PUNCT
framr-4076	105	1	j	j	X
framr-4076	105	2	)	)	PUNCT
framr-4076	105	3	misleading	mislead	VERB
framr-4076	105	4	symbols	symbol	NOUN
framr-4076	105	5	:	:	PUNCT
framr-4076	105	6	a	a	DET
framr-4076	105	7	deceitful	deceitful	ADJ
framr-4076	105	8	impression	impression	NOUN
framr-4076	105	9	of	of	ADP
framr-4076	105	10	the	the	DET
framr-4076	105	11	organisation	organisation	NOUN
framr-4076	105	12	's	's	PART
framr-4076	105	13	eco	eco	PROPN
framr-4076	105	14	-	-	PUNCT
framr-4076	105	15	friendliness	friendliness	NOUN
framr-4076	105	16	is	be	AUX
framr-4076	105	17	created	create	VERB
framr-4076	105	18	by	by	ADP
framr-4076	105	19	the	the	DET
framr-4076	105	20	usage	usage	NOUN
framr-4076	105	21	of	of	ADP
framr-4076	105	22	symbols	symbol	NOUN
framr-4076	105	23	and	and	CCONJ
framr-4076	105	24	images	image	NOUN
framr-4076	105	25	.	.	PUNCT
framr-4076	106	1	further	far	ADV
framr-4076	106	2	,	,	PUNCT
framr-4076	106	3	claim	claim	VERB
framr-4076	106	4	type	type	NOUN
framr-4076	106	5	and	and	CCONJ
framr-4076	106	6	claim	claim	VERB
framr-4076	106	7	deceptiveness	deceptiveness	PROPN
framr-4076	106	8	were	be	AUX
framr-4076	106	9	the	the	DET
framr-4076	106	10	two	two	NUM
framr-4076	106	11	categories	category	NOUN
framr-4076	106	12	of	of	ADP
framr-4076	106	13	green	green	ADJ
framr-4076	106	14	claims	claim	NOUN
framr-4076	106	15	that	that	SCONJ
framr-4076	106	16	carlson	carlson	PROPN
framr-4076	106	17	,	,	PUNCT
framr-4076	106	18	grove	grove	PROPN
framr-4076	106	19	,	,	PUNCT
framr-4076	106	20	and	and	CCONJ
framr-4076	106	21	kangun	kangun	PROPN
framr-4076	106	22	(	(	PUNCT
framr-4076	106	23	1993	1993	NUM
framr-4076	106	24	)	)	PUNCT
framr-4076	106	25	proposed	propose	VERB
framr-4076	106	26	.	.	PUNCT
framr-4076	107	1	in	in	ADP
framr-4076	107	2	the	the	DET
framr-4076	107	3	first	first	ADJ
framr-4076	107	4	category	category	NOUN
framr-4076	107	5	,	,	PUNCT
framr-4076	107	6	there	there	PRON
framr-4076	107	7	is	be	VERB
framr-4076	107	8	product	product	NOUN
framr-4076	107	9	orientation	orientation	NOUN
framr-4076	107	10	,	,	PUNCT
framr-4076	107	11	which	which	PRON
framr-4076	107	12	emphasises	emphasise	VERB
framr-4076	107	13	the	the	DET
framr-4076	107	14	ecological	ecological	ADJ
framr-4076	107	15	features	feature	NOUN
framr-4076	107	16	of	of	ADP
framr-4076	107	17	the	the	DET
framr-4076	107	18	product	product	NOUN
framr-4076	107	19	or	or	CCONJ
framr-4076	107	20	service	service	NOUN
framr-4076	107	21	;	;	PUNCT
framr-4076	107	22	second	second	ADJ
framr-4076	107	23	,	,	PUNCT
framr-4076	107	24	process	process	NOUN
framr-4076	107	25	orientation	orientation	NOUN
framr-4076	107	26	,	,	PUNCT
framr-4076	107	27	which	which	PRON
framr-4076	107	28	emphasises	emphasise	VERB
framr-4076	107	29	the	the	DET
framr-4076	107	30	ecological	ecological	ADJ
framr-4076	107	31	features	feature	NOUN
framr-4076	107	32	of	of	ADP
framr-4076	107	33	the	the	DET
framr-4076	107	34	production	production	NOUN
framr-4076	107	35	process	process	NOUN
framr-4076	107	36	or	or	CCONJ
framr-4076	107	37	technology	technology	NOUN
framr-4076	107	38	;	;	PUNCT
framr-4076	107	39	third	third	ADJ
framr-4076	107	40	,	,	PUNCT
framr-4076	107	41	image	image	NOUN
framr-4076	107	42	orientation	orientation	NOUN
framr-4076	107	43	,	,	PUNCT
framr-4076	107	44	which	which	PRON
framr-4076	107	45	emphasises	emphasise	VERB
framr-4076	107	46	the	the	DET
framr-4076	107	47	creation	creation	NOUN
framr-4076	107	48	and	and	CCONJ
framr-4076	107	49	enhancement	enhancement	NOUN
framr-4076	107	50	of	of	ADP
framr-4076	107	51	an	an	DET
framr-4076	107	52	environmentally	environmentally	ADV
framr-4076	107	53	friendly	friendly	ADJ
framr-4076	107	54	company	company	NOUN
framr-4076	107	55	reputation	reputation	NOUN
framr-4076	107	56	,	,	PUNCT
framr-4076	107	57	for	for	ADP
framr-4076	107	58	example	example	NOUN
framr-4076	107	59	,	,	PUNCT
framr-4076	107	60	by	by	ADP
framr-4076	107	61	showing	show	VERB
framr-4076	107	62	pro	pro	ADJ
framr-4076	107	63	-	-	ADJ
framr-4076	107	64	environmental	environmental	ADJ
framr-4076	107	65	activities	activity	NOUN
framr-4076	107	66	and	and	CCONJ
framr-4076	107	67	initiatives	initiative	NOUN
framr-4076	107	68	;	;	PUNCT
framr-4076	107	69	fourth	fourth	X
framr-4076	107	70	,	,	PUNCT
framr-4076	107	71	environmental	environmental	ADJ
framr-4076	107	72	fact	fact	NOUN
framr-4076	107	73	,	,	PUNCT
framr-4076	107	74	which	which	PRON
framr-4076	107	75	includes	include	VERB
framr-4076	107	76	claims	claim	NOUN
framr-4076	107	77	including	include	VERB
framr-4076	107	78	an	an	DET
framr-4076	107	79	organisation	organisation	NOUN
framr-4076	107	80	's	's	PART
framr-4076	107	81	allegedly	allegedly	ADV
framr-4076	107	82	factual	factual	ADJ
framr-4076	107	83	statement	statement	NOUN
framr-4076	107	84	regarding	regard	VERB
framr-4076	107	85	the	the	DET
framr-4076	107	86	environment	environment	NOUN
framr-4076	107	87	as	as	ADP
framr-4076	107	88	a	a	DET
framr-4076	107	89	whole	whole	NOUN
framr-4076	107	90	;	;	PUNCT
framr-4076	107	91	and	and	CCONJ
framr-4076	107	92	finally	finally	ADV
framr-4076	107	93	,	,	PUNCT
framr-4076	107	94	combination	combination	NOUN
framr-4076	107	95	,	,	PUNCT
framr-4076	107	96	which	which	PRON
framr-4076	107	97	includes	include	VERB
framr-4076	107	98	at	at	ADV
framr-4076	107	99	least	least	ADV
framr-4076	107	100	two	two	NUM
framr-4076	107	101	of	of	ADP
framr-4076	107	102	these	these	DET
framr-4076	107	103	types	type	NOUN
framr-4076	107	104	of	of	ADP
framr-4076	107	105	approaches	approach	NOUN
framr-4076	107	106	.	.	PUNCT
framr-4076	108	1	the	the	DET
framr-4076	108	2	second	second	ADJ
framr-4076	108	3	category	category	NOUN
framr-4076	108	4	includes	include	VERB
framr-4076	108	5	:	:	PUNCT
framr-4076	108	6	a	a	X
framr-4076	108	7	)	)	PUNCT
framr-4076	108	8	vague	vague	ADJ
framr-4076	108	9	or	or	CCONJ
framr-4076	108	10	ambiguous	ambiguous	ADJ
framr-4076	108	11	:	:	PUNCT
framr-4076	108	12	claims	claim	NOUN
framr-4076	108	13	that	that	PRON
framr-4076	108	14	are	be	AUX
framr-4076	108	15	ambiguous	ambiguous	ADJ
framr-4076	108	16	,	,	PUNCT
framr-4076	108	17	unclear	unclear	ADJ
framr-4076	108	18	,	,	PUNCT
framr-4076	108	19	and	and	CCONJ
framr-4076	108	20	not	not	PART
framr-4076	108	21	precise	precise	ADJ
framr-4076	108	22	;	;	PUNCT
framr-4076	108	23	b	b	X
framr-4076	108	24	)	)	PUNCT
framr-4076	108	25	omission	omission	NOUN
framr-4076	108	26	:	:	PUNCT
framr-4076	108	27	claims	claim	NOUN
framr-4076	108	28	that	that	PRON
framr-4076	108	29	lack	lack	VERB
framr-4076	108	30	the	the	DET
framr-4076	108	31	information	information	NOUN
framr-4076	108	32	required	require	VERB
framr-4076	108	33	to	to	PART
framr-4076	108	34	evaluate	evaluate	VERB
framr-4076	108	35	their	their	PRON
framr-4076	108	36	validity	validity	NOUN
framr-4076	108	37	;	;	PUNCT
framr-4076	108	38	c	c	X
framr-4076	108	39	)	)	PUNCT
framr-4076	108	40	false	false	ADJ
framr-4076	108	41	/	/	SYM
framr-4076	108	42	outright	outright	ADJ
framr-4076	108	43	lie	lie	NOUN
framr-4076	108	44	:	:	PUNCT
framr-4076	108	45	claims	claim	NOUN
framr-4076	108	46	that	that	PRON
framr-4076	108	47	are	be	AUX
framr-4076	108	48	misleading	mislead	VERB
framr-4076	108	49	or	or	CCONJ
framr-4076	108	50	fabricated	fabricate	VERB
framr-4076	108	51	;	;	PUNCT
framr-4076	108	52	d	d	X
framr-4076	108	53	)	)	PUNCT
framr-4076	108	54	combination	combination	NOUN
framr-4076	108	55	:	:	PUNCT
framr-4076	108	56	claims	claim	NOUN
framr-4076	108	57	that	that	PRON
framr-4076	108	58	fall	fall	VERB
framr-4076	108	59	into	into	ADP
framr-4076	108	60	two	two	NUM
framr-4076	108	61	or	or	CCONJ
framr-4076	108	62	more	more	ADJ
framr-4076	108	63	of	of	ADP
framr-4076	108	64	the	the	DET
framr-4076	108	65	above	above	ADJ
framr-4076	108	66	categories	category	NOUN
framr-4076	108	67	;	;	PUNCT
framr-4076	108	68	and	and	CCONJ
framr-4076	108	69	e	e	X
framr-4076	108	70	)	)	PUNCT
framr-4076	108	71	acceptable	acceptable	ADJ
framr-4076	108	72	:	:	PUNCT
framr-4076	108	73	claims	claim	NOUN
framr-4076	108	74	that	that	PRON
framr-4076	108	75	have	have	VERB
framr-4076	108	76	no	no	DET
framr-4076	108	77	false	false	ADJ
framr-4076	108	78	elements	element	NOUN
framr-4076	108	79	.	.	PUNCT
framr-4076	109	1	executional	executional	ADJ
framr-4076	109	2	greenwashing	greenwashing	NOUN
framr-4076	109	3	was	be	AUX
framr-4076	109	4	defined	define	VERB
framr-4076	109	5	by	by	ADP
framr-4076	109	6	parguel	parguel	NOUN
framr-4076	109	7	,	,	PUNCT
framr-4076	109	8	benoit	benoit	NOUN
framr-4076	109	9	-	-	PUNCT
framr-4076	109	10	moreau	moreau	PROPN
framr-4076	109	11	,	,	PUNCT
framr-4076	109	12	and	and	CCONJ
framr-4076	109	13	russell	russell	PROPN
framr-4076	109	14	(	(	PUNCT
framr-4076	109	15	2015	2015	NUM
framr-4076	109	16	)	)	PUNCT
framr-4076	109	17	as	as	ADP
framr-4076	109	18	a	a	DET
framr-4076	109	19	new	new	ADJ
framr-4076	109	20	type	type	NOUN
framr-4076	109	21	of	of	ADP
framr-4076	109	22	greenwashing	greenwashing	NOUN
framr-4076	109	23	.	.	PUNCT
framr-4076	110	1	this	this	DET
framr-4076	110	2	greenwashing	greenwashing	NOUN
framr-4076	110	3	tactic	tactic	NOUN
framr-4076	110	4	avoids	avoid	VERB
framr-4076	110	5	making	make	VERB
framr-4076	110	6	any	any	PRON
framr-4076	110	7	of	of	ADP
framr-4076	110	8	the	the	DET
framr-4076	110	9	above	above	ADV
framr-4076	110	10	-	-	PUNCT
framr-4076	110	11	mentioned	mention	VERB
framr-4076	110	12	claims	claim	NOUN
framr-4076	110	13	to	to	PART
framr-4076	110	14	attract	attract	VERB
framr-4076	110	15	consumers	consumer	NOUN
framr-4076	110	16	.	.	PUNCT
framr-4076	111	1	it	it	PRON
framr-4076	111	2	rather	rather	ADV
framr-4076	111	3	uses	use	VERB
framr-4076	111	4	imagery	imagery	NOUN
framr-4076	111	5	depicting	depict	VERB
framr-4076	111	6	natural	natural	ADJ
framr-4076	111	7	aspects	aspect	NOUN
framr-4076	111	8	,	,	PUNCT
framr-4076	111	9	such	such	ADJ
framr-4076	111	10	as	as	ADP
framr-4076	111	11	the	the	DET
framr-4076	111	12	green	green	ADJ
framr-4076	111	13	and	and	CCONJ
framr-4076	111	14	blue	blue	ADJ
framr-4076	111	15	colours	colour	NOUN
framr-4076	111	16	or	or	CCONJ
framr-4076	111	17	the	the	DET
framr-4076	111	18	sounds	sound	NOUN
framr-4076	111	19	of	of	ADP
framr-4076	111	20	the	the	DET
framr-4076	111	21	ocean	ocean	NOUN
framr-4076	111	22	or	or	CCONJ
framr-4076	111	23	birds	bird	NOUN
framr-4076	111	24	.	.	PUNCT
framr-4076	112	1	for	for	ADP
framr-4076	112	2	example	example	NOUN
framr-4076	112	3	,	,	PUNCT
framr-4076	112	4	materials	material	NOUN
framr-4076	112	5	that	that	PRON
framr-4076	112	6	evoke	evoke	VERB
framr-4076	112	7	nature	nature	NOUN
framr-4076	112	8	in	in	ADP
framr-4076	112	9	an	an	DET
framr-4076	112	10	execution	execution	NOUN
framr-4076	112	11	could	could	AUX
framr-4076	112	12	be	be	AUX
framr-4076	112	13	backgrounds	background	NOUN
framr-4076	112	14	depicting	depict	VERB
framr-4076	112	15	mountains	mountain	NOUN
framr-4076	112	16	,	,	PUNCT
framr-4076	112	17	woodlands	woodland	NOUN
framr-4076	112	18	,	,	PUNCT
framr-4076	112	19	or	or	CCONJ
framr-4076	112	20	beaches	beach	NOUN
framr-4076	112	21	;	;	PUNCT
framr-4076	112	22	images	image	NOUN
framr-4076	112	23	of	of	ADP
framr-4076	112	24	endangered	endanger	VERB
framr-4076	112	25	animals	animal	NOUN
framr-4076	112	26	like	like	ADP
framr-4076	112	27	pandas	panda	NOUN
framr-4076	112	28	or	or	CCONJ
framr-4076	112	29	dolphins	dolphin	NOUN
framr-4076	112	30	;	;	PUNCT
framr-4076	112	31	or	or	CCONJ
framr-4076	112	32	renewable	renewable	ADJ
framr-4076	112	33	energy	energy	NOUN
framr-4076	112	34	sources	source	NOUN
framr-4076	112	35	like	like	ADP
framr-4076	112	36	wind	wind	NOUN
framr-4076	112	37	or	or	CCONJ
framr-4076	112	38	waterfalls	waterfall	NOUN
framr-4076	112	39	(	(	PUNCT
framr-4076	112	40	parguel	parguel	NOUN
framr-4076	112	41	et	et	PROPN
framr-4076	112	42	al	al	PROPN
framr-4076	112	43	.	.	PROPN
framr-4076	112	44	,	,	PUNCT
framr-4076	112	45	2015	2015	NUM
framr-4076	112	46	)	)	PUNCT
framr-4076	112	47	.	.	PUNCT
framr-4076	113	1	intentional	intentional	ADJ
framr-4076	113	2	or	or	CCONJ
framr-4076	113	3	not	not	PART
framr-4076	113	4	,	,	PUNCT
framr-4076	113	5	these	these	DET
framr-4076	113	6	aspects	aspect	NOUN
framr-4076	113	7	that	that	PRON
framr-4076	113	8	portray	portray	VERB
framr-4076	113	9	nature	nature	NOUN
framr-4076	113	10	could	could	AUX
framr-4076	113	11	lead	lead	VERB
framr-4076	113	12	people	people	NOUN
framr-4076	113	13	to	to	PART
framr-4076	113	14	believe	believe	VERB
framr-4076	113	15	that	that	SCONJ
framr-4076	113	16	the	the	DET
framr-4076	113	17	company	company	NOUN
framr-4076	113	18	is	be	AUX
framr-4076	113	19	environmentally	environmentally	ADV
framr-4076	113	20	friendly	friendly	ADJ
framr-4076	113	21	erroneously	erroneously	ADV
framr-4076	113	22	.	.	PUNCT
framr-4076	114	1	these	these	DET
framr-4076	114	2	elements	element	NOUN
framr-4076	114	3	can	can	AUX
framr-4076	114	4	stimulate	stimulate	VERB
framr-4076	114	5	subconscious	subconscious	ADJ
framr-4076	114	6	financial	financial	ADJ
framr-4076	114	7	risk	risk	NOUN
framr-4076	114	8	and	and	CCONJ
framr-4076	114	9	management	management	NOUN
framr-4076	114	10	reviews	review	NOUN
framr-4076	114	11	,	,	PUNCT
framr-4076	114	12	2025	2025	NUM
framr-4076	114	13	,	,	PUNCT
framr-4076	114	14	11(1	11(1	NUM
framr-4076	114	15	):	):	PUNCT
framr-4076	114	16	37	37	NUM
framr-4076	114	17	-	-	SYM
framr-4076	114	18	71	71	NUM
framr-4076	114	19	41	41	NUM
framr-4076	115	1	©	©	PROPN
framr-4076	115	2	2025	2025	NUM
framr-4076	115	3	conscientia	conscientia	PROPN
framr-4076	115	4	beam	beam	PROPN
framr-4076	115	5	.	.	PUNCT
framr-4076	116	1	all	all	DET
framr-4076	116	2	rights	right	NOUN
framr-4076	116	3	reserved	reserve	VERB
framr-4076	116	4	.	.	PUNCT
framr-4076	117	1	allusions	allusion	NOUN
framr-4076	117	2	to	to	ADP
framr-4076	117	3	the	the	DET
framr-4076	117	4	environment	environment	NOUN
framr-4076	117	5	through	through	ADP
framr-4076	117	6	nature	nature	NOUN
framr-4076	117	7	visuals	visual	NOUN
framr-4076	117	8	,	,	PUNCT
framr-4076	117	9	consequently	consequently	ADV
framr-4076	117	10	sparking	spark	VERB
framr-4076	117	11	ecological	ecological	ADJ
framr-4076	117	12	inferences	inference	NOUN
framr-4076	117	13	subtly	subtly	ADV
framr-4076	117	14	(	(	PUNCT
framr-4076	117	15	hartmann	hartmann	PROPN
framr-4076	117	16	&	&	CCONJ
framr-4076	117	17	apaolaza	apaolaza	PROPN
framr-4076	117	18	-	-	PUNCT
framr-4076	117	19	ibáñez	ibáñez	NOUN
framr-4076	117	20	,	,	PUNCT
framr-4076	117	21	2009	2009	NUM
framr-4076	117	22	;	;	PUNCT
framr-4076	117	23	parguel	parguel	NOUN
framr-4076	117	24	et	et	PROPN
framr-4076	117	25	al	al	PROPN
framr-4076	117	26	.	.	PROPN
framr-4076	117	27	,	,	PUNCT
framr-4076	117	28	2015	2015	NUM
framr-4076	117	29	)	)	PUNCT
framr-4076	117	30	.	.	PUNCT
framr-4076	118	1	2.1.3	2.1.3	NUM
framr-4076	118	2	.	.	PUNCT
framr-4076	118	3	mechanisms	mechanism	NOUN
framr-4076	118	4	of	of	ADP
framr-4076	118	5	greenwashing	greenwashing	NOUN
framr-4076	118	6	jones	jones	NOUN
framr-4076	118	7	(	(	PUNCT
framr-4076	118	8	2019	2019	NUM
framr-4076	118	9	)	)	PUNCT
framr-4076	118	10	highlights	highlight	NOUN
framr-4076	118	11	that	that	SCONJ
framr-4076	118	12	the	the	DET
framr-4076	118	13	act	act	NOUN
framr-4076	118	14	of	of	ADP
framr-4076	118	15	greenwashing	greenwashing	NOUN
framr-4076	118	16	can	can	AUX
framr-4076	118	17	not	not	PART
framr-4076	118	18	be	be	AUX
framr-4076	118	19	accurately	accurately	ADV
framr-4076	118	20	uncovered	uncover	VERB
framr-4076	118	21	through	through	ADP
framr-4076	118	22	the	the	DET
framr-4076	118	23	evaluation	evaluation	NOUN
framr-4076	118	24	of	of	ADP
framr-4076	118	25	company	company	NOUN
framr-4076	118	26	narratives	narrative	NOUN
framr-4076	118	27	,	,	PUNCT
framr-4076	118	28	whether	whether	SCONJ
framr-4076	118	29	through	through	ADP
framr-4076	118	30	quantitative	quantitative	ADJ
framr-4076	118	31	or	or	CCONJ
framr-4076	118	32	qualitative	qualitative	ADJ
framr-4076	118	33	methods	method	NOUN
framr-4076	118	34	,	,	PUNCT
framr-4076	118	35	in	in	ADP
framr-4076	118	36	commercials	commercial	NOUN
framr-4076	118	37	,	,	PUNCT
framr-4076	118	38	corporate	corporate	ADJ
framr-4076	118	39	sustainability	sustainability	NOUN
framr-4076	118	40	reports	report	NOUN
framr-4076	118	41	,	,	PUNCT
framr-4076	118	42	or	or	CCONJ
framr-4076	118	43	any	any	DET
framr-4076	118	44	other	other	ADJ
framr-4076	118	45	form	form	NOUN
framr-4076	118	46	of	of	ADP
framr-4076	118	47	corporate	corporate	ADJ
framr-4076	118	48	disclosure	disclosure	NOUN
framr-4076	118	49	.	.	PUNCT
framr-4076	119	1	ultimately	ultimately	ADV
framr-4076	119	2	,	,	PUNCT
framr-4076	119	3	it	it	PRON
framr-4076	119	4	is	be	AUX
framr-4076	119	5	impossible	impossible	ADJ
framr-4076	119	6	to	to	PART
framr-4076	119	7	evaluate	evaluate	VERB
framr-4076	119	8	these	these	DET
framr-4076	119	9	narratives	narrative	NOUN
framr-4076	119	10	for	for	ADP
framr-4076	119	11	truthfulness	truthfulness	ADJ
framr-4076	119	12	because	because	SCONJ
framr-4076	119	13	they	they	PRON
framr-4076	119	14	are	be	AUX
framr-4076	119	15	highly	highly	ADV
framr-4076	119	16	volatile	volatile	ADJ
framr-4076	119	17	,	,	PUNCT
framr-4076	119	18	and	and	CCONJ
framr-4076	119	19	the	the	DET
framr-4076	119	20	customer	customer	NOUN
framr-4076	119	21	's	's	PART
framr-4076	119	22	focus	focus	NOUN
framr-4076	119	23	is	be	AUX
framr-4076	119	24	too	too	ADV
framr-4076	119	25	automatically	automatically	ADV
framr-4076	119	26	diverted	divert	VERB
framr-4076	119	27	.	.	PUNCT
framr-4076	120	1	analyzing	analyze	VERB
framr-4076	120	2	how	how	SCONJ
framr-4076	120	3	greenwashing	greenwashing	NOUN
framr-4076	120	4	functions	function	NOUN
framr-4076	120	5	needs	need	VERB
framr-4076	120	6	a	a	DET
framr-4076	120	7	way	way	NOUN
framr-4076	120	8	of	of	ADP
framr-4076	120	9	thinking	think	VERB
framr-4076	120	10	about	about	ADP
framr-4076	120	11	the	the	DET
framr-4076	120	12	systems	system	NOUN
framr-4076	120	13	that	that	PRON
framr-4076	120	14	allows	allow	VERB
framr-4076	120	15	for	for	ADP
framr-4076	120	16	a	a	DET
framr-4076	120	17	more	more	ADV
framr-4076	120	18	closely	closely	ADV
framr-4076	120	19	orientated	orientated	ADJ
framr-4076	120	20	view	view	NOUN
framr-4076	120	21	of	of	ADP
framr-4076	120	22	how	how	SCONJ
framr-4076	120	23	greenwashing	greenwashing	NOUN
framr-4076	120	24	acts	act	VERB
framr-4076	120	25	.	.	PUNCT
framr-4076	121	1	an	an	DET
framr-4076	121	2	examination	examination	NOUN
framr-4076	121	3	of	of	ADP
framr-4076	121	4	the	the	DET
framr-4076	121	5	three	three	NUM
framr-4076	121	6	levels	level	NOUN
framr-4076	121	7	of	of	ADP
framr-4076	121	8	analysis	analysis	NOUN
framr-4076	121	9	—	—	PUNCT
framr-4076	121	10	micro	micro	NOUN
framr-4076	121	11	(	(	PUNCT
framr-4076	121	12	the	the	DET
framr-4076	121	13	product	product	NOUN
framr-4076	121	14	)	)	PUNCT
framr-4076	121	15	,	,	PUNCT
framr-4076	121	16	meso	meso	NOUN
framr-4076	121	17	(	(	PUNCT
framr-4076	121	18	the	the	DET
framr-4076	121	19	company	company	NOUN
framr-4076	121	20	)	)	PUNCT
framr-4076	121	21	,	,	PUNCT
framr-4076	121	22	and	and	CCONJ
framr-4076	121	23	macro	macro	X
framr-4076	121	24	(	(	PUNCT
framr-4076	121	25	the	the	DET
framr-4076	121	26	industry)—in	industry)—in	NOUN
framr-4076	121	27	this	this	DET
framr-4076	121	28	conceptual	conceptual	ADJ
framr-4076	121	29	framework	framework	NOUN
framr-4076	121	30	for	for	ADP
framr-4076	121	31	greenwashing	greenwashing	NOUN
framr-4076	121	32	would	would	AUX
framr-4076	121	33	be	be	AUX
framr-4076	121	34	necessary	necessary	ADJ
framr-4076	121	35	.	.	PUNCT
framr-4076	122	1	considerations	consideration	NOUN
framr-4076	122	2	of	of	ADP
framr-4076	122	3	alternative	alternative	ADJ
framr-4076	122	4	products	product	NOUN
framr-4076	122	5	,	,	PUNCT
framr-4076	122	6	competitors	competitor	NOUN
framr-4076	122	7	,	,	PUNCT
framr-4076	122	8	and	and	CCONJ
framr-4076	122	9	industry	industry	NOUN
framr-4076	122	10	standards	standard	NOUN
framr-4076	122	11	help	help	VERB
framr-4076	122	12	us	we	PRON
framr-4076	122	13	make	make	VERB
framr-4076	122	14	sense	sense	NOUN
framr-4076	122	15	of	of	ADP
framr-4076	122	16	how	how	SCONJ
framr-4076	122	17	greenwashing	greenwashing	NOUN
framr-4076	122	18	occurs	occur	VERB
framr-4076	122	19	.	.	PUNCT
framr-4076	123	1	to	to	PART
framr-4076	123	2	broaden	broaden	VERB
framr-4076	123	3	the	the	DET
framr-4076	123	4	scope	scope	NOUN
framr-4076	123	5	of	of	ADP
framr-4076	123	6	greenwashing	greenwashing	NOUN
framr-4076	123	7	,	,	PUNCT
framr-4076	123	8	seele	seele	PROPN
framr-4076	123	9	and	and	CCONJ
framr-4076	123	10	gatti	gatti	PROPN
framr-4076	123	11	(	(	PUNCT
framr-4076	123	12	2017	2017	NUM
framr-4076	123	13	)	)	PUNCT
framr-4076	123	14	propose	propose	ADJ
framr-4076	123	15	including	include	VERB
framr-4076	123	16	the	the	DET
framr-4076	123	17	idea	idea	NOUN
framr-4076	123	18	of	of	ADP
framr-4076	123	19	subjectivity	subjectivity	NOUN
framr-4076	123	20	.	.	PUNCT
framr-4076	124	1	they	they	PRON
framr-4076	124	2	claim	claim	VERB
framr-4076	124	3	that	that	SCONJ
framr-4076	124	4	the	the	DET
framr-4076	124	5	term	term	NOUN
framr-4076	124	6	"	"	PUNCT
framr-4076	124	7	greenwashing	greenwashing	NOUN
framr-4076	124	8	"	"	PUNCT
framr-4076	124	9	is	be	AUX
framr-4076	124	10	subjective	subjective	ADJ
framr-4076	124	11	;	;	PUNCT
framr-4076	124	12	that	that	PRON
framr-4076	124	13	is	is	ADV
framr-4076	124	14	,	,	PUNCT
framr-4076	124	15	certain	certain	ADJ
framr-4076	124	16	stakeholders	stakeholder	NOUN
framr-4076	124	17	might	might	AUX
framr-4076	124	18	perceive	perceive	VERB
framr-4076	124	19	a	a	DET
framr-4076	124	20	particular	particular	ADJ
framr-4076	124	21	green	green	ADJ
framr-4076	124	22	message	message	NOUN
framr-4076	124	23	as	as	ADP
framr-4076	124	24	greenwashing	greenwashing	NOUN
framr-4076	124	25	,	,	PUNCT
framr-4076	124	26	and	and	CCONJ
framr-4076	124	27	others	other	NOUN
framr-4076	124	28	may	may	AUX
framr-4076	124	29	not	not	PART
framr-4076	124	30	.	.	PUNCT
framr-4076	125	1	therefore	therefore	ADV
framr-4076	125	2	,	,	PUNCT
framr-4076	125	3	it	it	PRON
framr-4076	125	4	emphasizes	emphasize	VERB
framr-4076	125	5	that	that	SCONJ
framr-4076	125	6	greenwashing	greenwashing	NOUN
framr-4076	125	7	can	can	AUX
framr-4076	125	8	not	not	PART
framr-4076	125	9	exist	exist	VERB
framr-4076	125	10	in	in	ADP
framr-4076	125	11	the	the	DET
framr-4076	125	12	absence	absence	NOUN
framr-4076	125	13	of	of	ADP
framr-4076	125	14	accusations	accusation	NOUN
framr-4076	125	15	.	.	PUNCT
framr-4076	126	1	in	in	ADP
framr-4076	126	2	simpler	simple	ADJ
framr-4076	126	3	terms	term	NOUN
framr-4076	126	4	,	,	PUNCT
framr-4076	126	5	greenwashing	greenwashing	NOUN
framr-4076	126	6	does	do	AUX
framr-4076	126	7	not	not	PART
framr-4076	126	8	occur	occur	VERB
framr-4076	126	9	until	until	SCONJ
framr-4076	126	10	a	a	DET
framr-4076	126	11	stakeholder	stakeholder	NOUN
framr-4076	126	12	group	group	NOUN
framr-4076	126	13	claims	claim	VERB
framr-4076	126	14	so	so	ADV
framr-4076	126	15	.	.	PUNCT
framr-4076	127	1	this	this	DET
framr-4076	127	2	further	far	ADV
framr-4076	127	3	supports	support	VERB
framr-4076	127	4	the	the	DET
framr-4076	127	5	argument	argument	NOUN
framr-4076	127	6	of	of	ADP
framr-4076	127	7	the	the	DET
framr-4076	127	8	ambiguous	ambiguous	ADJ
framr-4076	127	9	nature	nature	NOUN
framr-4076	127	10	of	of	ADP
framr-4076	127	11	greenwashing	greenwashing	NOUN
framr-4076	127	12	,	,	PUNCT
framr-4076	127	13	as	as	SCONJ
framr-4076	127	14	it	it	PRON
framr-4076	127	15	is	be	AUX
framr-4076	127	16	not	not	PART
framr-4076	127	17	a	a	DET
framr-4076	127	18	black	black	ADJ
framr-4076	127	19	-	-	PUNCT
framr-4076	127	20	and	and	CCONJ
framr-4076	127	21	-	-	PUNCT
framr-4076	127	22	white	white	ADJ
framr-4076	127	23	concept	concept	NOUN
framr-4076	127	24	.	.	PUNCT
framr-4076	128	1	when	when	SCONJ
framr-4076	128	2	stakeholders	stakeholder	NOUN
framr-4076	128	3	learn	learn	VERB
framr-4076	128	4	the	the	DET
framr-4076	128	5	truth	truth	NOUN
framr-4076	128	6	about	about	ADP
framr-4076	128	7	a	a	DET
framr-4076	128	8	greenwasher	greenwasher	NOUN
framr-4076	128	9	,	,	PUNCT
framr-4076	128	10	the	the	DET
framr-4076	128	11	tactic	tactic	NOUN
framr-4076	128	12	works	work	VERB
framr-4076	128	13	temporarily	temporarily	ADV
framr-4076	128	14	,	,	PUNCT
framr-4076	128	15	but	but	CCONJ
framr-4076	128	16	it	it	PRON
framr-4076	128	17	damages	damage	VERB
framr-4076	128	18	the	the	DET
framr-4076	128	19	company	company	NOUN
framr-4076	128	20	's	's	PART
framr-4076	128	21	reputation	reputation	NOUN
framr-4076	128	22	and	and	CCONJ
framr-4076	128	23	takes	take	VERB
framr-4076	128	24	a	a	DET
framr-4076	128	25	long	long	ADJ
framr-4076	128	26	time	time	NOUN
framr-4076	128	27	to	to	PART
framr-4076	128	28	recover	recover	VERB
framr-4076	128	29	(	(	PUNCT
framr-4076	128	30	ferrón‐vílchez	ferrón‐vílchez	PROPN
framr-4076	128	31	,	,	PUNCT
framr-4076	128	32	valero‐gil	valero‐gil	NOUN
framr-4076	128	33	,	,	PUNCT
framr-4076	128	34	&	&	CCONJ
framr-4076	128	35	suárez‐perales	suárez‐perale	NOUN
framr-4076	128	36	,	,	PUNCT
framr-4076	128	37	2021	2021	NUM
framr-4076	128	38	)	)	PUNCT
framr-4076	128	39	.	.	PUNCT
framr-4076	129	1	as	as	ADP
framr-4076	129	2	an	an	DET
framr-4076	129	3	added	add	VERB
framr-4076	129	4	downside	downside	NOUN
framr-4076	129	5	,	,	PUNCT
framr-4076	129	6	greenwashing	greenwashing	NOUN
framr-4076	129	7	can	can	AUX
framr-4076	129	8	make	make	VERB
framr-4076	129	9	stakeholders	stakeholder	NOUN
framr-4076	129	10	lose	lose	VERB
framr-4076	129	11	faith	faith	NOUN
framr-4076	129	12	in	in	ADP
framr-4076	129	13	a	a	DET
framr-4076	129	14	company	company	NOUN
framr-4076	129	15	and	and	CCONJ
framr-4076	129	16	their	their	PRON
framr-4076	129	17	investment	investment	NOUN
framr-4076	129	18	plans	plan	NOUN
framr-4076	129	19	(	(	PUNCT
framr-4076	129	20	pizzetti	pizzetti	NOUN
framr-4076	129	21	,	,	PUNCT
framr-4076	129	22	gatti	gatti	NOUN
framr-4076	129	23	,	,	PUNCT
framr-4076	129	24	&	&	CCONJ
framr-4076	129	25	seele	seele	PROPN
framr-4076	129	26	,	,	PUNCT
framr-4076	129	27	2021	2021	NUM
framr-4076	129	28	)	)	PUNCT
framr-4076	129	29	.	.	PUNCT
framr-4076	130	1	thus	thus	ADV
framr-4076	130	2	,	,	PUNCT
framr-4076	130	3	businesses	business	NOUN
framr-4076	130	4	should	should	AUX
framr-4076	130	5	think	think	VERB
framr-4076	130	6	about	about	ADP
framr-4076	130	7	the	the	DET
framr-4076	130	8	potential	potential	ADJ
framr-4076	130	9	consequences	consequence	NOUN
framr-4076	130	10	since	since	SCONJ
framr-4076	130	11	they	they	PRON
framr-4076	130	12	can	can	AUX
framr-4076	130	13	impact	impact	VERB
framr-4076	130	14	the	the	DET
framr-4076	130	15	market	market	NOUN
framr-4076	130	16	in	in	ADP
framr-4076	130	17	unexpected	unexpected	ADJ
framr-4076	130	18	ways	way	NOUN
framr-4076	130	19	.	.	PUNCT
framr-4076	131	1	misleading	mislead	VERB
framr-4076	131	2	communications	communication	NOUN
framr-4076	131	3	influence	influence	VERB
framr-4076	131	4	the	the	DET
framr-4076	131	5	actions	action	NOUN
framr-4076	131	6	and	and	CCONJ
framr-4076	131	7	attitudes	attitude	NOUN
framr-4076	131	8	of	of	ADP
framr-4076	131	9	stakeholders	stakeholder	NOUN
framr-4076	131	10	,	,	PUNCT
framr-4076	131	11	which	which	PRON
framr-4076	131	12	in	in	ADP
framr-4076	131	13	turn	turn	NOUN
framr-4076	131	14	affect	affect	VERB
framr-4076	131	15	the	the	DET
framr-4076	131	16	credibility	credibility	NOUN
framr-4076	131	17	and	and	CCONJ
framr-4076	131	18	image	image	NOUN
framr-4076	131	19	of	of	ADP
framr-4076	131	20	the	the	DET
framr-4076	131	21	company	company	NOUN
framr-4076	131	22	;	;	PUNCT
framr-4076	131	23	therefore	therefore	ADV
framr-4076	131	24	,	,	PUNCT
framr-4076	131	25	businesses	business	NOUN
framr-4076	131	26	must	must	AUX
framr-4076	131	27	embrace	embrace	VERB
framr-4076	131	28	a	a	DET
framr-4076	131	29	more	more	ADV
framr-4076	131	30	genuine	genuine	ADJ
framr-4076	131	31	communication	communication	NOUN
framr-4076	131	32	approach	approach	NOUN
framr-4076	131	33	while	while	SCONJ
framr-4076	131	34	making	make	VERB
framr-4076	131	35	green	green	ADJ
framr-4076	131	36	claims	claim	NOUN
framr-4076	131	37	(	(	PUNCT
framr-4076	131	38	torelli	torelli	ADJ
framr-4076	131	39	,	,	PUNCT
framr-4076	131	40	balluchi	balluchi	ADJ
framr-4076	131	41	,	,	PUNCT
framr-4076	131	42	&	&	CCONJ
framr-4076	131	43	lazzini	lazzini	PROPN
framr-4076	131	44	,	,	PUNCT
framr-4076	131	45	2020	2020	NUM
framr-4076	131	46	)	)	PUNCT
framr-4076	131	47	.	.	PUNCT
framr-4076	132	1	2.2	2.2	NUM
framr-4076	132	2	.	.	PUNCT
framr-4076	132	3	financial	financial	ADJ
framr-4076	132	4	technology	technology	NOUN
framr-4076	132	5	2.2.1	2.2.1	NUM
framr-4076	132	6	.	.	PUNCT
framr-4076	133	1	definition	definition	NOUN
framr-4076	133	2	and	and	CCONJ
framr-4076	133	3	scope	scope	NOUN
framr-4076	133	4	of	of	ADP
framr-4076	133	5	fintech	fintech	NOUN
framr-4076	133	6	fintech	fintech	NOUN
framr-4076	133	7	(	(	PUNCT
framr-4076	133	8	financial	financial	ADJ
framr-4076	133	9	technology	technology	NOUN
framr-4076	133	10	)	)	PUNCT
framr-4076	133	11	is	be	AUX
framr-4076	133	12	the	the	DET
framr-4076	133	13	technology	technology	NOUN
framr-4076	133	14	and	and	CCONJ
framr-4076	133	15	innovation	innovation	NOUN
framr-4076	133	16	that	that	PRON
framr-4076	133	17	aims	aim	VERB
framr-4076	133	18	to	to	PART
framr-4076	133	19	deliver	deliver	VERB
framr-4076	133	20	competitive	competitive	ADJ
framr-4076	133	21	financial	financial	ADJ
framr-4076	133	22	services	service	NOUN
framr-4076	133	23	through	through	ADP
framr-4076	133	24	cutting	cut	VERB
framr-4076	133	25	-	-	PUNCT
framr-4076	133	26	edge	edge	NOUN
framr-4076	133	27	technologies	technology	NOUN
framr-4076	133	28	like	like	ADP
framr-4076	133	29	artificial	artificial	ADJ
framr-4076	133	30	intelligence	intelligence	NOUN
framr-4076	133	31	,	,	PUNCT
framr-4076	133	32	robotics	robotic	NOUN
framr-4076	133	33	,	,	PUNCT
framr-4076	133	34	or	or	CCONJ
framr-4076	133	35	blockchain	blockchain	NOUN
framr-4076	133	36	.	.	PUNCT
framr-4076	134	1	fintech	fintech	NOUN
framr-4076	134	2	is	be	AUX
framr-4076	134	3	an	an	DET
framr-4076	134	4	umbrella	umbrella	NOUN
framr-4076	134	5	term	term	NOUN
framr-4076	134	6	that	that	PRON
framr-4076	134	7	describes	describe	VERB
framr-4076	134	8	many	many	ADJ
framr-4076	134	9	kinds	kind	NOUN
framr-4076	134	10	of	of	ADP
framr-4076	134	11	applications	application	NOUN
framr-4076	134	12	(	(	PUNCT
framr-4076	134	13	mobile	mobile	ADJ
framr-4076	134	14	banking	banking	NOUN
framr-4076	134	15	,	,	PUNCT
framr-4076	134	16	online	online	ADJ
framr-4076	134	17	payment	payment	NOUN
framr-4076	134	18	processing	processing	NOUN
framr-4076	134	19	,	,	PUNCT
framr-4076	134	20	automated	automate	VERB
framr-4076	134	21	investment	investment	NOUN
framr-4076	134	22	services	service	NOUN
framr-4076	134	23	,	,	PUNCT
framr-4076	134	24	and	and	CCONJ
framr-4076	134	25	more	more	ADJ
framr-4076	134	26	)	)	PUNCT
framr-4076	134	27	and	and	CCONJ
framr-4076	134	28	cryptocurrencies	cryptocurrencie	NOUN
framr-4076	134	29	.	.	PUNCT
framr-4076	135	1	by	by	ADP
framr-4076	135	2	utilizing	utilize	VERB
framr-4076	135	3	modern	modern	ADJ
framr-4076	135	4	technology	technology	NOUN
framr-4076	135	5	,	,	PUNCT
framr-4076	135	6	fintech	fintech	NOUN
framr-4076	135	7	aims	aim	VERB
framr-4076	135	8	to	to	PART
framr-4076	135	9	provide	provide	VERB
framr-4076	135	10	financial	financial	ADJ
framr-4076	135	11	services	service	NOUN
framr-4076	135	12	in	in	ADP
framr-4076	135	13	the	the	DET
framr-4076	135	14	most	most	ADV
framr-4076	135	15	efficient	efficient	ADJ
framr-4076	135	16	,	,	PUNCT
framr-4076	135	17	cost	cost	NOUN
framr-4076	135	18	-	-	PUNCT
framr-4076	135	19	effective	effective	ADJ
framr-4076	135	20	,	,	PUNCT
framr-4076	135	21	and	and	CCONJ
framr-4076	135	22	accessible	accessible	ADJ
framr-4076	135	23	way	way	NOUN
framr-4076	135	24	possible	possible	ADJ
framr-4076	135	25	.	.	PUNCT
framr-4076	136	1	fintech	fintech	NOUN
framr-4076	136	2	is	be	AUX
framr-4076	136	3	a	a	DET
framr-4076	136	4	broad	broad	ADJ
framr-4076	136	5	term	term	NOUN
framr-4076	136	6	that	that	PRON
framr-4076	136	7	can	can	AUX
framr-4076	136	8	be	be	AUX
framr-4076	136	9	applied	apply	VERB
framr-4076	136	10	to	to	ADP
framr-4076	136	11	almost	almost	ADV
framr-4076	136	12	any	any	PRON
framr-4076	136	13	sector	sector	NOUN
framr-4076	136	14	of	of	ADP
framr-4076	136	15	the	the	DET
framr-4076	136	16	financial	financial	ADJ
framr-4076	136	17	services	service	NOUN
framr-4076	136	18	arena	arena	NOUN
framr-4076	136	19	or	or	CCONJ
framr-4076	136	20	new	new	ADJ
framr-4076	136	21	financial	financial	ADJ
framr-4076	136	22	products	product	NOUN
framr-4076	136	23	that	that	PRON
framr-4076	136	24	have	have	AUX
framr-4076	136	25	been	be	AUX
framr-4076	136	26	previously	previously	ADV
framr-4076	136	27	unavailable	unavailable	ADJ
framr-4076	136	28	or	or	CCONJ
framr-4076	136	29	not	not	PART
framr-4076	136	30	easily	easily	ADV
framr-4076	136	31	accessible	accessible	ADJ
framr-4076	136	32	.	.	PUNCT
framr-4076	137	1	this	this	DET
framr-4076	137	2	revolution	revolution	NOUN
framr-4076	137	3	,	,	PUNCT
framr-4076	137	4	driven	drive	VERB
framr-4076	137	5	by	by	ADP
framr-4076	137	6	technology	technology	NOUN
framr-4076	137	7	,	,	PUNCT
framr-4076	137	8	is	be	AUX
framr-4076	137	9	currently	currently	ADV
framr-4076	137	10	changing	change	VERB
framr-4076	137	11	the	the	DET
framr-4076	137	12	landscape	landscape	NOUN
framr-4076	137	13	of	of	ADP
framr-4076	137	14	the	the	DET
framr-4076	137	15	value	value	NOUN
framr-4076	137	16	proposition	proposition	NOUN
framr-4076	137	17	of	of	ADP
framr-4076	137	18	financial	financial	ADJ
framr-4076	137	19	services	service	NOUN
framr-4076	137	20	by	by	ADP
framr-4076	137	21	creating	create	VERB
framr-4076	137	22	new	new	ADJ
framr-4076	137	23	distinctive	distinctive	ADJ
framr-4076	137	24	models	model	NOUN
framr-4076	137	25	of	of	ADP
framr-4076	137	26	operations	operation	NOUN
framr-4076	137	27	,	,	PUNCT
framr-4076	137	28	increasing	increase	VERB
framr-4076	137	29	the	the	DET
framr-4076	137	30	accessibility	accessibility	NOUN
framr-4076	137	31	of	of	ADP
framr-4076	137	32	financial	financial	ADJ
framr-4076	137	33	services	service	NOUN
framr-4076	137	34	products	product	NOUN
framr-4076	137	35	,	,	PUNCT
framr-4076	137	36	and	and	CCONJ
framr-4076	137	37	improving	improve	VERB
framr-4076	137	38	the	the	DET
framr-4076	137	39	experience	experience	NOUN
framr-4076	137	40	of	of	ADP
framr-4076	137	41	customers	customer	NOUN
framr-4076	137	42	.	.	PUNCT
framr-4076	138	1	statista	statista	PROPN
framr-4076	138	2	(	(	PUNCT
framr-4076	138	3	2023	2023	NUM
framr-4076	138	4	)	)	PUNCT
framr-4076	138	5	stated	state	VERB
framr-4076	138	6	that	that	SCONJ
framr-4076	138	7	the	the	DET
framr-4076	138	8	global	global	ADJ
framr-4076	138	9	fintech	fintech	NOUN
framr-4076	138	10	market	market	NOUN
framr-4076	138	11	was	be	AUX
framr-4076	138	12	valued	value	VERB
framr-4076	138	13	at	at	ADP
framr-4076	138	14	$	$	SYM
framr-4076	138	15	127	127	NUM
framr-4076	138	16	billion	billion	NUM
framr-4076	138	17	,	,	PUNCT
framr-4076	138	18	which	which	PRON
framr-4076	138	19	shows	show	VERB
framr-4076	138	20	that	that	SCONJ
framr-4076	138	21	the	the	DET
framr-4076	138	22	market	market	NOUN
framr-4076	138	23	is	be	AUX
framr-4076	138	24	still	still	ADV
framr-4076	138	25	growing	grow	VERB
framr-4076	138	26	steadily	steadily	ADV
framr-4076	138	27	.	.	PUNCT
framr-4076	139	1	in	in	ADP
framr-4076	139	2	2018	2018	NUM
framr-4076	139	3	,	,	PUNCT
framr-4076	139	4	the	the	DET
framr-4076	139	5	total	total	ADJ
framr-4076	139	6	value	value	NOUN
framr-4076	139	7	reached	reach	VERB
framr-4076	139	8	66	66	NUM
framr-4076	139	9	billion	billion	NUM
framr-4076	139	10	usd	usd	NOUN
framr-4076	139	11	,	,	PUNCT
framr-4076	139	12	and	and	CCONJ
framr-4076	139	13	it	it	PRON
framr-4076	139	14	predicts	predict	VERB
framr-4076	139	15	that	that	SCONJ
framr-4076	139	16	the	the	DET
framr-4076	139	17	cagr	cagr	NOUN
framr-4076	139	18	will	will	AUX
framr-4076	139	19	be	be	AUX
framr-4076	139	20	around	around	ADP
framr-4076	139	21	an	an	DET
framr-4076	139	22	annual	annual	ADJ
framr-4076	139	23	growth	growth	NOUN
framr-4076	139	24	rate	rate	NOUN
framr-4076	139	25	of	of	ADP
framr-4076	139	26	24.8	24.8	NUM
framr-4076	139	27	%	%	NOUN
framr-4076	139	28	from	from	ADP
framr-4076	139	29	2019	2019	NUM
framr-4076	139	30	to	to	ADP
framr-4076	139	31	2025	2025	NUM
framr-4076	139	32	;	;	PUNCT
framr-4076	139	33	the	the	DET
framr-4076	139	34	worth	worth	NOUN
framr-4076	139	35	of	of	ADP
framr-4076	139	36	the	the	DET
framr-4076	139	37	digital	digital	ADJ
framr-4076	139	38	twin	twin	ADJ
framr-4076	139	39	market	market	NOUN
framr-4076	139	40	will	will	AUX
framr-4076	139	41	reach	reach	VERB
framr-4076	139	42	$	$	SYM
framr-4076	139	43	460	460	NUM
framr-4076	139	44	billion	billion	NUM
framr-4076	139	45	in	in	ADP
framr-4076	139	46	2025	2025	NUM
framr-4076	139	47	.	.	PUNCT
framr-4076	140	1	therefore	therefore	ADV
framr-4076	140	2	,	,	PUNCT
framr-4076	140	3	fintech	fintech	NOUN
framr-4076	140	4	has	have	AUX
framr-4076	140	5	become	become	VERB
framr-4076	140	6	a	a	DET
framr-4076	140	7	fundamental	fundamental	ADJ
framr-4076	140	8	enabler	enabler	NOUN
framr-4076	140	9	of	of	ADP
framr-4076	140	10	the	the	DET
framr-4076	140	11	new	new	ADJ
framr-4076	140	12	economy	economy	NOUN
framr-4076	140	13	,	,	PUNCT
framr-4076	140	14	as	as	SCONJ
framr-4076	140	15	is	be	AUX
framr-4076	140	16	evidenced	evidence	VERB
framr-4076	140	17	by	by	ADP
framr-4076	140	18	its	its	PRON
framr-4076	140	19	exponential	exponential	ADJ
framr-4076	140	20	growth	growth	NOUN
framr-4076	140	21	.	.	PUNCT
framr-4076	141	1	financial	financial	ADJ
framr-4076	141	2	risk	risk	NOUN
framr-4076	141	3	and	and	CCONJ
framr-4076	141	4	management	management	NOUN
framr-4076	141	5	reviews	review	NOUN
framr-4076	141	6	,	,	PUNCT
framr-4076	141	7	2025	2025	NUM
framr-4076	141	8	,	,	PUNCT
framr-4076	141	9	11(1	11(1	NUM
framr-4076	141	10	):	):	PUNCT
framr-4076	141	11	37	37	NUM
framr-4076	141	12	-	-	SYM
framr-4076	141	13	71	71	NUM
framr-4076	141	14	42	42	NUM
framr-4076	141	15	©	©	PROPN
framr-4076	141	16	2025	2025	NUM
framr-4076	141	17	conscientia	conscientia	PROPN
framr-4076	141	18	beam	beam	PROPN
framr-4076	141	19	.	.	PUNCT
framr-4076	142	1	all	all	DET
framr-4076	142	2	rights	right	NOUN
framr-4076	142	3	reserved	reserve	VERB
framr-4076	142	4	.	.	PUNCT
framr-4076	143	1	2.2.2	2.2.2	X
framr-4076	143	2	.	.	PUNCT
framr-4076	143	3	key	key	ADJ
framr-4076	143	4	areas	area	NOUN
framr-4076	143	5	of	of	ADP
framr-4076	143	6	fintech	fintech	NOUN
framr-4076	143	7	the	the	DET
framr-4076	143	8	fintech	fintech	NOUN
framr-4076	143	9	sector	sector	NOUN
framr-4076	143	10	comprises	comprise	VERB
framr-4076	143	11	several	several	ADJ
framr-4076	143	12	key	key	ADJ
framr-4076	143	13	areas	area	NOUN
framr-4076	143	14	,	,	PUNCT
framr-4076	143	15	each	each	PRON
framr-4076	143	16	contributing	contribute	VERB
framr-4076	143	17	uniquely	uniquely	ADV
framr-4076	143	18	to	to	ADP
framr-4076	143	19	the	the	DET
framr-4076	143	20	financial	financial	ADJ
framr-4076	143	21	services	service	NOUN
framr-4076	143	22	landscape	landscape	NOUN
framr-4076	143	23	.	.	PUNCT
framr-4076	144	1	these	these	DET
framr-4076	144	2	areas	area	NOUN
framr-4076	144	3	include	include	VERB
framr-4076	144	4	blockchain	blockchain	PROPN
framr-4076	144	5	,	,	PUNCT
framr-4076	144	6	crowdfunding	crowdfunding	NOUN
framr-4076	144	7	,	,	PUNCT
framr-4076	144	8	digital	digital	ADJ
framr-4076	144	9	banking	banking	NOUN
framr-4076	144	10	,	,	PUNCT
framr-4076	144	11	peer	peer	NOUN
framr-4076	144	12	-	-	PUNCT
framr-4076	144	13	to	to	ADP
framr-4076	144	14	-	-	PUNCT
framr-4076	144	15	peer	peer	NOUN
framr-4076	144	16	lending	lending	NOUN
framr-4076	144	17	,	,	PUNCT
framr-4076	144	18	mobile	mobile	ADJ
framr-4076	144	19	banking	banking	NOUN
framr-4076	144	20	payments	payment	NOUN
framr-4076	144	21	,	,	PUNCT
framr-4076	144	22	insuretech	insuretech	NOUN
framr-4076	144	23	,	,	PUNCT
framr-4076	144	24	and	and	CCONJ
framr-4076	144	25	robo	robo	NOUN
framr-4076	144	26	-	-	PUNCT
framr-4076	144	27	advisors	advisor	NOUN
framr-4076	144	28	.	.	PUNCT
framr-4076	145	1	figure	figure	VERB
framr-4076	145	2	1	1	NUM
framr-4076	145	3	presents	present	VERB
framr-4076	145	4	key	key	ADJ
framr-4076	145	5	fintech	fintech	NOUN
framr-4076	145	6	solutions	solution	NOUN
framr-4076	145	7	and	and	CCONJ
framr-4076	145	8	their	their	PRON
framr-4076	145	9	individual	individual	ADJ
framr-4076	145	10	market	market	NOUN
framr-4076	145	11	value	value	NOUN
framr-4076	145	12	and	and	CCONJ
framr-4076	145	13	expected	expect	VERB
framr-4076	145	14	growth	growth	NOUN
framr-4076	145	15	between	between	ADP
framr-4076	145	16	2021	2021	NUM
framr-4076	145	17	and	and	CCONJ
framr-4076	145	18	2030	2030	NUM
framr-4076	145	19	.	.	PUNCT
framr-4076	146	1	figure	figure	NOUN
framr-4076	146	2	1	1	NUM
framr-4076	146	3	.	.	PUNCT
framr-4076	146	4	market	market	NOUN
framr-4076	146	5	value	value	NOUN
framr-4076	146	6	and	and	CCONJ
framr-4076	146	7	growth	growth	NOUN
framr-4076	146	8	projections	projection	NOUN
framr-4076	146	9	of	of	ADP
framr-4076	146	10	key	key	ADJ
framr-4076	146	11	fintech	fintech	NOUN
framr-4076	146	12	areas	area	NOUN
framr-4076	146	13	(	(	PUNCT
framr-4076	146	14	2021	2021	NUM
framr-4076	146	15	-	-	SYM
framr-4076	146	16	2030	2030	NUM
framr-4076	146	17	)	)	PUNCT
framr-4076	146	18	.	.	PUNCT
framr-4076	147	1	•	•	NUM
framr-4076	147	2	blockchain	blockchain	PROPN
framr-4076	147	3	:	:	PUNCT
framr-4076	147	4	blockchain	blockchain	PROPN
framr-4076	147	5	technology	technology	PROPN
framr-4076	147	6	is	be	AUX
framr-4076	147	7	one	one	NUM
framr-4076	147	8	of	of	ADP
framr-4076	147	9	the	the	DET
framr-4076	147	10	most	most	ADV
framr-4076	147	11	disruptive	disruptive	ADJ
framr-4076	147	12	innovations	innovation	NOUN
framr-4076	147	13	in	in	ADP
framr-4076	147	14	fintech	fintech	NOUN
framr-4076	147	15	.	.	PUNCT
framr-4076	148	1	information	information	NOUN
framr-4076	148	2	is	be	AUX
framr-4076	148	3	saved	save	VERB
framr-4076	148	4	on	on	ADP
framr-4076	148	5	several	several	ADJ
framr-4076	148	6	computers	computer	NOUN
framr-4076	148	7	in	in	ADP
framr-4076	148	8	a	a	DET
framr-4076	148	9	distributed	distribute	VERB
framr-4076	148	10	ledger	ledger	NOUN
framr-4076	148	11	system	system	NOUN
framr-4076	148	12	with	with	ADP
framr-4076	148	13	a	a	DET
framr-4076	148	14	permissive	permissive	ADJ
framr-4076	148	15	consensus	consensus	NOUN
framr-4076	148	16	mechanism	mechanism	NOUN
framr-4076	148	17	,	,	PUNCT
framr-4076	148	18	providing	provide	VERB
framr-4076	148	19	transparency	transparency	NOUN
framr-4076	148	20	and	and	CCONJ
framr-4076	148	21	security	security	NOUN
framr-4076	148	22	over	over	ADP
framr-4076	148	23	the	the	DET
framr-4076	148	24	data	data	NOUN
framr-4076	148	25	records	record	NOUN
framr-4076	148	26	.	.	PUNCT
framr-4076	149	1	the	the	DET
framr-4076	149	2	most	most	ADV
framr-4076	149	3	famous	famous	ADJ
framr-4076	149	4	use	use	NOUN
framr-4076	149	5	case	case	NOUN
framr-4076	149	6	for	for	ADP
framr-4076	149	7	blockchain	blockchain	PROPN
framr-4076	149	8	is	be	AUX
framr-4076	149	9	in	in	ADP
framr-4076	149	10	cryptocurrencies	cryptocurrencie	NOUN
framr-4076	149	11	like	like	ADP
framr-4076	149	12	bitcoin	bitcoin	NOUN
framr-4076	149	13	and	and	CCONJ
framr-4076	149	14	ethereum	ethereum	NOUN
framr-4076	149	15	,	,	PUNCT
framr-4076	149	16	though	though	SCONJ
framr-4076	149	17	it	it	PRON
framr-4076	149	18	has	have	VERB
framr-4076	149	19	far	far	ADV
framr-4076	149	20	more	more	ADJ
framr-4076	149	21	applications	application	NOUN
framr-4076	149	22	beyond	beyond	ADP
framr-4076	149	23	digital	digital	ADJ
framr-4076	149	24	money	money	NOUN
framr-4076	149	25	.	.	PUNCT
framr-4076	150	1	with	with	ADP
framr-4076	150	2	its	its	PRON
framr-4076	150	3	ability	ability	NOUN
framr-4076	150	4	to	to	PART
framr-4076	150	5	ensure	ensure	VERB
framr-4076	150	6	safe	safe	ADJ
framr-4076	150	7	and	and	CCONJ
framr-4076	150	8	transparent	transparent	ADJ
framr-4076	150	9	transactions	transaction	NOUN
framr-4076	150	10	,	,	PUNCT
framr-4076	150	11	blockchain	blockchain	PROPN
framr-4076	150	12	technology	technology	PROPN
framr-4076	150	13	is	be	AUX
framr-4076	150	14	a	a	DET
framr-4076	150	15	game	game	NOUN
framr-4076	150	16	-	-	PUNCT
framr-4076	150	17	changer	changer	NOUN
framr-4076	150	18	in	in	ADP
framr-4076	150	19	the	the	DET
framr-4076	150	20	fight	fight	NOUN
framr-4076	150	21	against	against	ADP
framr-4076	150	22	fraud	fraud	NOUN
framr-4076	150	23	in	in	ADP
framr-4076	150	24	the	the	DET
framr-4076	150	25	financial	financial	ADJ
framr-4076	150	26	sector	sector	NOUN
framr-4076	150	27	.	.	PUNCT
framr-4076	151	1	it	it	PRON
framr-4076	151	2	is	be	AUX
framr-4076	151	3	not	not	PART
framr-4076	151	4	limited	limit	VERB
framr-4076	151	5	to	to	ADP
framr-4076	151	6	activities	activity	NOUN
framr-4076	151	7	such	such	ADJ
framr-4076	151	8	as	as	ADP
framr-4076	151	9	cross	cross	ADJ
framr-4076	151	10	-	-	ADJ
framr-4076	151	11	border	border	ADJ
framr-4076	151	12	payments	payment	NOUN
framr-4076	151	13	and	and	CCONJ
framr-4076	151	14	trade	trade	NOUN
framr-4076	151	15	finance	finance	NOUN
framr-4076	151	16	.	.	PUNCT
framr-4076	152	1	pwc	pwc	PROPN
framr-4076	152	2	(	(	PUNCT
framr-4076	152	3	2022	2022	NUM
framr-4076	152	4	)	)	PUNCT
framr-4076	152	5	anticipates	anticipate	VERB
framr-4076	152	6	that	that	SCONJ
framr-4076	152	7	blockchain	blockchain	PROPN
framr-4076	152	8	will	will	AUX
framr-4076	152	9	contribute	contribute	VERB
framr-4076	152	10	$	$	SYM
framr-4076	152	11	1.76	1.76	NUM
framr-4076	152	12	trillion	trillion	NUM
framr-4076	152	13	in	in	ADP
framr-4076	152	14	growth	growth	NOUN
framr-4076	152	15	across	across	ADP
framr-4076	152	16	a	a	DET
framr-4076	152	17	range	range	NOUN
framr-4076	152	18	of	of	ADP
framr-4076	152	19	sectors	sector	NOUN
framr-4076	152	20	globally	globally	ADV
framr-4076	152	21	,	,	PUNCT
framr-4076	152	22	with	with	ADP
framr-4076	152	23	financial	financial	ADJ
framr-4076	152	24	services	service	NOUN
framr-4076	152	25	being	be	AUX
framr-4076	152	26	a	a	DET
framr-4076	152	27	primary	primary	ADJ
framr-4076	152	28	beneficiary	beneficiary	NOUN
framr-4076	152	29	.	.	PUNCT
framr-4076	153	1	these	these	DET
framr-4076	153	2	factors	factor	NOUN
framr-4076	153	3	have	have	AUX
framr-4076	153	4	made	make	VERB
framr-4076	153	5	blockchain	blockchain	PROPN
framr-4076	153	6	the	the	DET
framr-4076	153	7	backbone	backbone	NOUN
framr-4076	153	8	of	of	ADP
framr-4076	153	9	numerous	numerous	ADJ
framr-4076	153	10	fintech	fintech	NOUN
framr-4076	153	11	advancements	advancement	NOUN
framr-4076	153	12	,	,	PUNCT
framr-4076	153	13	as	as	SCONJ
framr-4076	153	14	it	it	PRON
framr-4076	153	15	eliminates	eliminate	VERB
framr-4076	153	16	intermediaries	intermediary	NOUN
framr-4076	153	17	and	and	CCONJ
framr-4076	153	18	enhances	enhance	VERB
framr-4076	153	19	trust	trust	NOUN
framr-4076	153	20	,	,	PUNCT
framr-4076	153	21	thereby	thereby	ADV
framr-4076	153	22	making	make	VERB
framr-4076	153	23	financial	financial	ADJ
framr-4076	153	24	transactions	transaction	NOUN
framr-4076	153	25	more	more	ADV
framr-4076	153	26	secure	secure	ADJ
framr-4076	153	27	.	.	PUNCT
framr-4076	154	1	•	•	NUM
framr-4076	154	2	crowdfunding	crowdfunding	NOUN
framr-4076	154	3	:	:	PUNCT
framr-4076	154	4	crowdfunding	crowdfunding	NOUN
framr-4076	154	5	is	be	AUX
framr-4076	154	6	yet	yet	ADV
framr-4076	154	7	another	another	DET
framr-4076	154	8	substantial	substantial	ADJ
framr-4076	154	9	activity	activity	NOUN
framr-4076	154	10	in	in	ADP
framr-4076	154	11	fintech	fintech	NOUN
framr-4076	154	12	.	.	PUNCT
framr-4076	155	1	these	these	DET
framr-4076	155	2	platforms	platform	NOUN
framr-4076	155	3	make	make	VERB
framr-4076	155	4	it	it	PRON
framr-4076	155	5	possible	possible	ADJ
framr-4076	155	6	to	to	PART
framr-4076	155	7	raise	raise	VERB
framr-4076	155	8	capital	capital	NOUN
framr-4076	155	9	for	for	ADP
framr-4076	155	10	a	a	DET
framr-4076	155	11	wide	wide	ADJ
framr-4076	155	12	range	range	NOUN
framr-4076	155	13	of	of	ADP
framr-4076	155	14	projects	project	NOUN
framr-4076	155	15	or	or	CCONJ
framr-4076	155	16	funding	funding	NOUN
framr-4076	155	17	opportunities	opportunity	NOUN
framr-4076	155	18	for	for	ADP
framr-4076	155	19	both	both	DET
framr-4076	155	20	individuals	individual	NOUN
framr-4076	155	21	and	and	CCONJ
framr-4076	155	22	organisations	organisation	NOUN
framr-4076	155	23	from	from	ADP
framr-4076	155	24	many	many	ADJ
framr-4076	155	25	individuals	individual	NOUN
framr-4076	155	26	,	,	PUNCT
framr-4076	155	27	particularly	particularly	ADV
framr-4076	155	28	over	over	ADP
framr-4076	155	29	the	the	DET
framr-4076	155	30	internet	internet	NOUN
framr-4076	155	31	.	.	PUNCT
framr-4076	156	1	crowdfunding	crowdfunding	NOUN
framr-4076	156	2	has	have	AUX
framr-4076	156	3	made	make	VERB
framr-4076	156	4	it	it	PRON
framr-4076	156	5	easier	easy	ADJ
framr-4076	156	6	for	for	ADP
framr-4076	156	7	startups	startup	NOUN
framr-4076	156	8	,	,	PUNCT
framr-4076	156	9	small	small	ADJ
framr-4076	156	10	businesses	business	NOUN
framr-4076	156	11	,	,	PUNCT
framr-4076	156	12	and	and	CCONJ
framr-4076	156	13	individuals	individual	NOUN
framr-4076	156	14	to	to	PART
framr-4076	156	15	access	access	VERB
framr-4076	156	16	capital	capital	NOUN
framr-4076	156	17	without	without	ADP
framr-4076	156	18	constantly	constantly	ADV
framr-4076	156	19	engaging	engage	VERB
framr-4076	156	20	and	and	CCONJ
framr-4076	156	21	relying	rely	VERB
framr-4076	156	22	on	on	ADP
framr-4076	156	23	the	the	DET
framr-4076	156	24	typical	typical	ADJ
framr-4076	156	25	financial	financial	ADJ
framr-4076	156	26	sector	sector	NOUN
framr-4076	156	27	.	.	PUNCT
framr-4076	157	1	platforms	platform	NOUN
framr-4076	157	2	like	like	ADP
framr-4076	157	3	kickstarter	kickstarter	PROPN
framr-4076	157	4	,	,	PUNCT
framr-4076	157	5	indiegogo	indiegogo	PROPN
framr-4076	157	6	,	,	PUNCT
framr-4076	157	7	and	and	CCONJ
framr-4076	157	8	gofundme	gofundme	NOUN
framr-4076	157	9	have	have	AUX
framr-4076	157	10	transformed	transform	VERB
framr-4076	157	11	fundraising	fundraise	VERB
framr-4076	157	12	by	by	ADP
framr-4076	157	13	offering	offer	VERB
framr-4076	157	14	direct	direct	ADJ
framr-4076	157	15	connections	connection	NOUN
framr-4076	157	16	between	between	ADP
framr-4076	157	17	creators	creator	NOUN
framr-4076	157	18	,	,	PUNCT
framr-4076	157	19	entrepreneurs	entrepreneur	NOUN
framr-4076	157	20	,	,	PUNCT
framr-4076	157	21	and	and	CCONJ
framr-4076	157	22	donors	donor	NOUN
framr-4076	157	23	.	.	PUNCT
framr-4076	158	1	for	for	ADP
framr-4076	158	2	example	example	NOUN
framr-4076	158	3	,	,	PUNCT
framr-4076	158	4	the	the	DET
framr-4076	158	5	global	global	ADJ
framr-4076	158	6	crowdfunding	crowdfunding	NOUN
framr-4076	158	7	market	market	NOUN
framr-4076	158	8	was	be	AUX
framr-4076	158	9	worth	worth	ADJ
framr-4076	158	10	$	$	SYM
framr-4076	158	11	12.27	12.27	NUM
framr-4076	158	12	billion	billion	NUM
framr-4076	158	13	in	in	ADP
framr-4076	158	14	2021	2021	NUM
framr-4076	158	15	,	,	PUNCT
framr-4076	158	16	according	accord	VERB
framr-4076	158	17	to	to	ADP
framr-4076	158	18	the	the	DET
framr-4076	158	19	cambridge	cambridge	PROPN
framr-4076	158	20	centre	centre	PROPN
framr-4076	158	21	for	for	ADP
framr-4076	158	22	alternative	alternative	ADJ
framr-4076	158	23	finance	finance	NOUN
framr-4076	158	24	(	(	PUNCT
framr-4076	158	25	2022	2022	NUM
framr-4076	158	26	)	)	PUNCT
framr-4076	158	27	with	with	ADP
framr-4076	158	28	a	a	DET
framr-4076	158	29	prospective	prospective	ADJ
framr-4076	158	30	future	future	NOUN
framr-4076	158	31	of	of	ADP
framr-4076	158	32	more	more	ADJ
framr-4076	158	33	people	people	NOUN
framr-4076	158	34	patronising	patronise	VERB
framr-4076	158	35	the	the	DET
framr-4076	158	36	platform	platform	NOUN
framr-4076	158	37	.	.	PUNCT
framr-4076	159	1	•	•	NUM
framr-4076	159	2	digital	digital	ADJ
framr-4076	159	3	banking	banking	NOUN
framr-4076	159	4	:	:	PUNCT
framr-4076	159	5	digital	digital	ADJ
framr-4076	159	6	banking	banking	NOUN
framr-4076	159	7	is	be	AUX
framr-4076	159	8	the	the	DET
framr-4076	159	9	term	term	NOUN
framr-4076	159	10	used	use	VERB
framr-4076	159	11	in	in	ADP
framr-4076	159	12	the	the	DET
framr-4076	159	13	retail	retail	ADJ
framr-4076	159	14	industry	industry	NOUN
framr-4076	159	15	for	for	ADP
framr-4076	159	16	servicing	servicing	NOUN
framr-4076	159	17	using	use	VERB
framr-4076	159	18	electronic	electronic	ADJ
framr-4076	159	19	payment	payment	NOUN
framr-4076	159	20	systems	system	NOUN
framr-4076	159	21	.	.	PUNCT
framr-4076	160	1	it	it	PRON
framr-4076	160	2	allows	allow	VERB
framr-4076	160	3	customers	customer	NOUN
framr-4076	160	4	to	to	PART
framr-4076	160	5	conduct	conduct	VERB
framr-4076	160	6	transactions	transaction	NOUN
framr-4076	160	7	and	and	CCONJ
framr-4076	160	8	receive	receive	VERB
framr-4076	160	9	various	various	ADJ
framr-4076	160	10	services	service	NOUN
framr-4076	160	11	through	through	ADP
framr-4076	160	12	mobile	mobile	ADJ
framr-4076	160	13	apps	app	NOUN
framr-4076	160	14	or	or	CCONJ
framr-4076	160	15	websites	website	NOUN
framr-4076	160	16	of	of	ADP
framr-4076	160	17	registered	register	VERB
framr-4076	160	18	financial	financial	ADJ
framr-4076	160	19	institutions	institution	NOUN
framr-4076	160	20	.	.	PUNCT
framr-4076	161	1	digital	digital	ADJ
framr-4076	161	2	banking	banking	NOUN
framr-4076	161	3	has	have	AUX
framr-4076	161	4	transformed	transform	VERB
framr-4076	161	5	how	how	SCONJ
framr-4076	161	6	customers	customer	NOUN
framr-4076	161	7	have	have	VERB
framr-4076	161	8	traditionally	traditionally	ADV
framr-4076	161	9	financial	financial	ADJ
framr-4076	161	10	risk	risk	NOUN
framr-4076	161	11	and	and	CCONJ
framr-4076	161	12	management	management	NOUN
framr-4076	161	13	reviews	review	NOUN
framr-4076	161	14	,	,	PUNCT
framr-4076	161	15	2025	2025	NUM
framr-4076	161	16	,	,	PUNCT
framr-4076	161	17	11(1	11(1	NUM
framr-4076	161	18	):	):	PUNCT
framr-4076	161	19	37	37	NUM
framr-4076	161	20	-	-	SYM
framr-4076	161	21	71	71	NUM
framr-4076	161	22	43	43	NUM
framr-4076	161	23	©	©	ADP
framr-4076	161	24	2025	2025	NUM
framr-4076	161	25	conscientia	conscientia	PROPN
framr-4076	161	26	beam	beam	PROPN
framr-4076	161	27	.	.	PUNCT
framr-4076	162	1	all	all	DET
framr-4076	162	2	rights	right	NOUN
framr-4076	162	3	reserved	reserve	VERB
framr-4076	162	4	.	.	PUNCT
framr-4076	162	5	interacted	interact	VERB
framr-4076	162	6	with	with	ADP
framr-4076	162	7	banks	bank	NOUN
framr-4076	162	8	—	—	PUNCT
framr-4076	162	9	it	it	PRON
framr-4076	162	10	is	be	AUX
framr-4076	162	11	faster	fast	ADJ
framr-4076	162	12	,	,	PUNCT
framr-4076	162	13	more	more	ADV
framr-4076	162	14	convenient	convenient	ADJ
framr-4076	162	15	,	,	PUNCT
framr-4076	162	16	cheaper	cheap	ADJ
framr-4076	162	17	,	,	PUNCT
framr-4076	162	18	and	and	CCONJ
framr-4076	162	19	,	,	PUNCT
framr-4076	162	20	in	in	ADP
framr-4076	162	21	many	many	ADJ
framr-4076	162	22	cases	case	NOUN
framr-4076	162	23	,	,	PUNCT
framr-4076	162	24	provides	provide	VERB
framr-4076	162	25	better	well	ADJ
framr-4076	162	26	customer	customer	NOUN
framr-4076	162	27	service	service	NOUN
framr-4076	162	28	.	.	PUNCT
framr-4076	163	1	another	another	DET
framr-4076	163	2	developing	develop	VERB
framr-4076	163	3	concept	concept	NOUN
framr-4076	163	4	is	be	AUX
framr-4076	163	5	neobanks	neobank	NOUN
framr-4076	163	6	without	without	ADP
framr-4076	163	7	a	a	DET
framr-4076	163	8	physical	physical	ADJ
framr-4076	163	9	presence	presence	NOUN
framr-4076	163	10	,	,	PUNCT
framr-4076	163	11	which	which	PRON
framr-4076	163	12	have	have	AUX
framr-4076	163	13	received	receive	VERB
framr-4076	163	14	much	much	ADJ
framr-4076	163	15	attention	attention	NOUN
framr-4076	163	16	recently	recently	ADV
framr-4076	163	17	.	.	PUNCT
framr-4076	164	1	examples	example	NOUN
framr-4076	164	2	of	of	ADP
framr-4076	164	3	these	these	PRON
framr-4076	164	4	include	include	VERB
framr-4076	164	5	chime	chime	NOUN
framr-4076	164	6	,	,	PUNCT
framr-4076	164	7	n26	n26	PROPN
framr-4076	164	8	,	,	PUNCT
framr-4076	164	9	and	and	CCONJ
framr-4076	164	10	revolut	revolut	NOUN
framr-4076	164	11	.	.	PUNCT
framr-4076	165	1	such	such	ADJ
framr-4076	165	2	services	service	NOUN
framr-4076	165	3	these	these	DET
framr-4076	165	4	banks	bank	NOUN
framr-4076	165	5	provide	provide	VERB
framr-4076	165	6	are	be	AUX
framr-4076	165	7	online	online	ADJ
framr-4076	165	8	savings	saving	NOUN
framr-4076	165	9	accounts	account	NOUN
framr-4076	165	10	,	,	PUNCT
framr-4076	165	11	payment	payment	NOUN
framr-4076	165	12	transfers	transfer	NOUN
framr-4076	165	13	,	,	PUNCT
framr-4076	165	14	investments	investment	NOUN
framr-4076	165	15	,	,	PUNCT
framr-4076	165	16	etc	etc	X
framr-4076	165	17	.	.	X
framr-4076	165	18	,	,	PUNCT
framr-4076	165	19	at	at	ADP
framr-4076	165	20	comparatively	comparatively	ADV
framr-4076	165	21	lower	low	ADJ
framr-4076	165	22	charges	charge	NOUN
framr-4076	165	23	than	than	ADP
framr-4076	165	24	the	the	DET
framr-4076	165	25	largescale	largescale	NOUN
framr-4076	165	26	banks	bank	NOUN
framr-4076	165	27	.	.	PUNCT
framr-4076	166	1	the	the	DET
framr-4076	166	2	global	global	ADJ
framr-4076	166	3	size	size	NOUN
framr-4076	166	4	of	of	ADP
framr-4076	166	5	the	the	DET
framr-4076	166	6	digital	digital	ADJ
framr-4076	166	7	banking	banking	NOUN
framr-4076	166	8	market	market	NOUN
framr-4076	166	9	was	be	AUX
framr-4076	166	10	estimated	estimate	VERB
framr-4076	166	11	to	to	PART
framr-4076	166	12	be	be	AUX
framr-4076	166	13	and	and	CCONJ
framr-4076	166	14	is	be	AUX
framr-4076	166	15	expected	expect	VERB
framr-4076	166	16	to	to	PART
framr-4076	166	17	reach	reach	VERB
framr-4076	166	18	$	$	SYM
framr-4076	166	19	9.4	9.4	NUM
framr-4076	166	20	billion	billion	NUM
framr-4076	166	21	in	in	ADP
framr-4076	166	22	2021	2021	NUM
framr-4076	166	23	,	,	PUNCT
framr-4076	166	24	and	and	CCONJ
framr-4076	166	25	it	it	PRON
framr-4076	166	26	is	be	AUX
framr-4076	166	27	estimated	estimate	VERB
framr-4076	166	28	to	to	PART
framr-4076	166	29	show	show	VERB
framr-4076	166	30	an	an	DET
framr-4076	166	31	8	8	NUM
framr-4076	166	32	%	%	NOUN
framr-4076	166	33	cagr	cagr	NOUN
framr-4076	166	34	through	through	ADP
framr-4076	166	35	the	the	DET
framr-4076	166	36	following	following	ADJ
framr-4076	166	37	years	year	NOUN
framr-4076	166	38	.	.	PUNCT
framr-4076	167	1	9	9	NUM
framr-4076	167	2	%	%	NOUN
framr-4076	167	3	from	from	ADP
framr-4076	167	4	2022–2030	2022–2030	NUM
framr-4076	167	5	.	.	PUNCT
framr-4076	168	1	•	•	NUM
framr-4076	168	2	peer	peer	NOUN
framr-4076	168	3	-	-	PUNCT
framr-4076	168	4	to	to	ADP
framr-4076	168	5	-	-	PUNCT
framr-4076	168	6	peer	peer	NOUN
framr-4076	168	7	lending	lending	NOUN
framr-4076	168	8	:	:	PUNCT
framr-4076	168	9	peer	peer	NOUN
framr-4076	168	10	-	-	PUNCT
framr-4076	168	11	to	to	ADP
framr-4076	168	12	-	-	PUNCT
framr-4076	168	13	peer	peer	NOUN
framr-4076	168	14	(	(	PUNCT
framr-4076	168	15	p2p	p2p	NOUN
framr-4076	168	16	)	)	PUNCT
framr-4076	168	17	lending	lending	NOUN
framr-4076	168	18	platforms	platform	NOUN
framr-4076	168	19	are	be	AUX
framr-4076	168	20	those	those	DET
framr-4076	168	21	venues	venue	NOUN
framr-4076	168	22	where	where	SCONJ
framr-4076	168	23	individuals	individual	NOUN
framr-4076	168	24	can	can	AUX
framr-4076	168	25	lend	lend	VERB
framr-4076	168	26	or	or	CCONJ
framr-4076	168	27	borrow	borrow	VERB
framr-4076	168	28	money	money	NOUN
framr-4076	168	29	directly	directly	ADV
framr-4076	168	30	from	from	ADP
framr-4076	168	31	or	or	CCONJ
framr-4076	168	32	to	to	ADP
framr-4076	168	33	each	each	DET
framr-4076	168	34	other	other	ADJ
framr-4076	168	35	without	without	ADP
framr-4076	168	36	the	the	DET
framr-4076	168	37	involvement	involvement	NOUN
framr-4076	168	38	of	of	ADP
framr-4076	168	39	a	a	DET
framr-4076	168	40	traditional	traditional	ADJ
framr-4076	168	41	bank	bank	NOUN
framr-4076	168	42	or	or	CCONJ
framr-4076	168	43	financial	financial	ADJ
framr-4076	168	44	institution	institution	NOUN
framr-4076	168	45	.	.	PUNCT
framr-4076	169	1	these	these	DET
framr-4076	169	2	platforms	platform	NOUN
framr-4076	169	3	connect	connect	VERB
framr-4076	169	4	people	people	NOUN
framr-4076	169	5	looking	look	VERB
framr-4076	169	6	to	to	PART
framr-4076	169	7	lend	lend	VERB
framr-4076	169	8	with	with	ADP
framr-4076	169	9	borrowers	borrower	NOUN
framr-4076	169	10	,	,	PUNCT
framr-4076	169	11	which	which	PRON
framr-4076	169	12	usually	usually	ADV
framr-4076	169	13	provides	provide	VERB
framr-4076	169	14	better	well	ADJ
framr-4076	169	15	rates	rate	NOUN
framr-4076	169	16	for	for	ADP
framr-4076	169	17	everyone	everyone	PRON
framr-4076	169	18	.	.	PUNCT
framr-4076	170	1	p2p	p2p	NOUN
framr-4076	170	2	lending	lending	NOUN
framr-4076	170	3	has	have	AUX
framr-4076	170	4	also	also	ADV
framr-4076	170	5	emerged	emerge	VERB
framr-4076	170	6	as	as	ADP
framr-4076	170	7	one	one	NUM
framr-4076	170	8	of	of	ADP
framr-4076	170	9	the	the	DET
framr-4076	170	10	most	most	ADV
framr-4076	170	11	critical	critical	ADJ
framr-4076	170	12	segments	segment	NOUN
framr-4076	170	13	of	of	ADP
framr-4076	170	14	the	the	DET
framr-4076	170	15	overall	overall	ADJ
framr-4076	170	16	fintech	fintech	NOUN
framr-4076	170	17	space	space	NOUN
framr-4076	170	18	,	,	PUNCT
framr-4076	170	19	which	which	PRON
framr-4076	170	20	helps	help	VERB
framr-4076	170	21	different	different	ADJ
framr-4076	170	22	categories	category	NOUN
framr-4076	170	23	of	of	ADP
framr-4076	170	24	borrowers	borrower	NOUN
framr-4076	170	25	who	who	PRON
framr-4076	170	26	can	can	AUX
framr-4076	170	27	not	not	PART
framr-4076	170	28	get	get	VERB
framr-4076	170	29	loans	loan	NOUN
framr-4076	170	30	from	from	ADP
framr-4076	170	31	banks	bank	NOUN
framr-4076	170	32	regularly	regularly	ADV
framr-4076	170	33	for	for	ADP
framr-4076	170	34	specific	specific	ADJ
framr-4076	170	35	reasons	reason	NOUN
framr-4076	170	36	,	,	PUNCT
framr-4076	170	37	such	such	ADJ
framr-4076	170	38	as	as	ADP
framr-4076	170	39	lack	lack	NOUN
framr-4076	170	40	of	of	ADP
framr-4076	170	41	credit	credit	NOUN
framr-4076	170	42	history	history	NOUN
framr-4076	170	43	.	.	PUNCT
framr-4076	171	1	lendingclub	lendingclub	NOUN
framr-4076	171	2	and	and	CCONJ
framr-4076	171	3	prosper	prosper	NOUN
framr-4076	171	4	are	be	AUX
framr-4076	171	5	available	available	ADJ
framr-4076	171	6	,	,	PUNCT
framr-4076	171	7	and	and	CCONJ
framr-4076	171	8	through	through	ADP
framr-4076	171	9	them	they	PRON
framr-4076	171	10	,	,	PUNCT
framr-4076	171	11	a	a	DET
framr-4076	171	12	few	few	ADJ
framr-4076	171	13	billion	billion	NUM
framr-4076	171	14	dollars	dollar	NOUN
framr-4076	171	15	for	for	ADP
framr-4076	171	16	different	different	ADJ
framr-4076	171	17	loans	loan	NOUN
framr-4076	171	18	have	have	AUX
framr-4076	171	19	been	be	AUX
framr-4076	171	20	provided	provide	VERB
framr-4076	171	21	,	,	PUNCT
framr-4076	171	22	thus	thus	ADV
framr-4076	171	23	increasing	increase	VERB
framr-4076	171	24	access	access	NOUN
framr-4076	171	25	to	to	ADP
framr-4076	171	26	credit	credit	NOUN
framr-4076	171	27	.	.	PUNCT
framr-4076	172	1	thus	thus	ADV
framr-4076	172	2	,	,	PUNCT
framr-4076	172	3	statista	statista	NOUN
framr-4076	172	4	(	(	PUNCT
framr-4076	172	5	2023	2023	NUM
framr-4076	172	6	)	)	PUNCT
framr-4076	172	7	revealed	reveal	VERB
framr-4076	172	8	that	that	SCONJ
framr-4076	172	9	the	the	DET
framr-4076	172	10	p2p	p2p	NOUN
framr-4076	172	11	lending	lending	NOUN
framr-4076	172	12	market	market	NOUN
framr-4076	172	13	is	be	AUX
framr-4076	172	14	expected	expect	VERB
framr-4076	172	15	to	to	PART
framr-4076	172	16	grow	grow	VERB
framr-4076	172	17	to	to	ADP
framr-4076	172	18	$	$	SYM
framr-4076	172	19	558	558	NUM
framr-4076	172	20	billion	billion	NUM
framr-4076	172	21	worldwide	worldwide	ADV
framr-4076	172	22	.	.	PUNCT
framr-4076	173	1	up	up	ADP
framr-4076	173	2	to	to	PART
framr-4076	173	3	91	91	NUM
framr-4076	173	4	billion	billion	NUM
framr-4076	173	5	by	by	ADP
framr-4076	173	6	2027	2027	NUM
framr-4076	173	7	,	,	PUNCT
framr-4076	173	8	the	the	DET
framr-4076	173	9	demand	demand	NOUN
framr-4076	173	10	for	for	ADP
framr-4076	173	11	non	non	ADJ
framr-4076	173	12	-	-	ADJ
framr-4076	173	13	banking	banking	ADJ
framr-4076	173	14	institutions	institution	NOUN
framr-4076	173	15	will	will	AUX
framr-4076	173	16	only	only	ADV
framr-4076	173	17	increase	increase	VERB
framr-4076	173	18	due	due	ADP
framr-4076	173	19	to	to	ADP
framr-4076	173	20	the	the	DET
framr-4076	173	21	need	need	NOUN
framr-4076	173	22	for	for	ADP
framr-4076	173	23	new	new	ADJ
framr-4076	173	24	types	type	NOUN
framr-4076	173	25	of	of	ADP
framr-4076	173	26	credit	credit	NOUN
framr-4076	173	27	products	product	NOUN
framr-4076	173	28	.	.	PUNCT
framr-4076	174	1	•	•	NUM
framr-4076	174	2	mobile	mobile	ADJ
framr-4076	174	3	banking	banking	NOUN
framr-4076	174	4	payments	payment	NOUN
framr-4076	174	5	:	:	PUNCT
framr-4076	174	6	mobile	mobile	ADJ
framr-4076	174	7	banking	banking	NOUN
framr-4076	174	8	payments	payment	NOUN
framr-4076	174	9	represent	represent	VERB
framr-4076	174	10	a	a	DET
framr-4076	174	11	significant	significant	ADJ
framr-4076	174	12	portion	portion	NOUN
framr-4076	174	13	of	of	ADP
framr-4076	174	14	the	the	DET
framr-4076	174	15	fintech	fintech	NOUN
framr-4076	174	16	industry	industry	NOUN
framr-4076	174	17	.	.	PUNCT
framr-4076	175	1	users	user	NOUN
framr-4076	175	2	can	can	AUX
framr-4076	175	3	make	make	VERB
framr-4076	175	4	financial	financial	ADJ
framr-4076	175	5	transactions	transaction	NOUN
framr-4076	175	6	directly	directly	ADV
framr-4076	175	7	through	through	ADP
framr-4076	175	8	their	their	PRON
framr-4076	175	9	smartphones	smartphone	NOUN
framr-4076	175	10	,	,	PUNCT
framr-4076	175	11	including	include	VERB
framr-4076	175	12	everything	everything	PRON
framr-4076	175	13	from	from	ADP
framr-4076	175	14	moving	move	VERB
framr-4076	175	15	money	money	NOUN
framr-4076	175	16	to	to	ADP
framr-4076	175	17	paying	pay	VERB
framr-4076	175	18	bills	bill	NOUN
framr-4076	175	19	or	or	CCONJ
framr-4076	175	20	even	even	ADV
framr-4076	175	21	tapping	tap	VERB
framr-4076	175	22	a	a	DET
framr-4076	175	23	mobile	mobile	ADJ
framr-4076	175	24	app	app	NOUN
framr-4076	175	25	at	at	ADP
framr-4076	175	26	the	the	DET
framr-4076	175	27	point	point	NOUN
framr-4076	175	28	of	of	ADP
framr-4076	175	29	sale	sale	NOUN
framr-4076	175	30	in	in	ADP
framr-4076	175	31	-	-	PUNCT
framr-4076	175	32	store	store	NOUN
framr-4076	175	33	.	.	PUNCT
framr-4076	176	1	the	the	DET
framr-4076	176	2	emergence	emergence	NOUN
framr-4076	176	3	of	of	ADP
framr-4076	176	4	mobile	mobile	ADJ
framr-4076	176	5	payment	payment	NOUN
framr-4076	176	6	systems	system	NOUN
framr-4076	176	7	like	like	ADP
framr-4076	176	8	apple	apple	NOUN
framr-4076	176	9	pay	pay	NOUN
framr-4076	176	10	,	,	PUNCT
framr-4076	176	11	google	google	PROPN
framr-4076	176	12	wallet	wallet	NOUN
framr-4076	176	13	,	,	PUNCT
framr-4076	176	14	and	and	CCONJ
framr-4076	176	15	alipay	alipay	PROPN
framr-4076	176	16	has	have	AUX
framr-4076	176	17	made	make	VERB
framr-4076	176	18	cash	cash	NOUN
framr-4076	176	19	transactions	transaction	NOUN
framr-4076	176	20	almost	almost	ADV
framr-4076	176	21	extinct	extinct	ADJ
framr-4076	176	22	,	,	PUNCT
framr-4076	176	23	especially	especially	ADV
framr-4076	176	24	in	in	ADP
framr-4076	176	25	emerging	emerge	VERB
framr-4076	176	26	markets	market	NOUN
framr-4076	176	27	with	with	ADP
framr-4076	176	28	high	high	ADJ
framr-4076	176	29	smartphone	smartphone	NOUN
framr-4076	176	30	penetration	penetration	NOUN
framr-4076	176	31	.	.	PUNCT
framr-4076	177	1	as	as	ADP
framr-4076	177	2	per	per	ADP
framr-4076	177	3	allied	ally	VERB
framr-4076	177	4	market	market	NOUN
framr-4076	177	5	research	research	NOUN
framr-4076	177	6	(	(	PUNCT
framr-4076	177	7	2022	2022	NUM
framr-4076	177	8	)	)	PUNCT
framr-4076	177	9	the	the	DET
framr-4076	177	10	global	global	ADJ
framr-4076	177	11	mobile	mobile	ADJ
framr-4076	177	12	payment	payment	NOUN
framr-4076	177	13	market	market	NOUN
framr-4076	177	14	was	be	AUX
framr-4076	177	15	valued	value	VERB
framr-4076	177	16	at	at	ADP
framr-4076	177	17	$	$	SYM
framr-4076	177	18	1.48	1.48	NUM
framr-4076	177	19	trillion	trillion	NUM
framr-4076	177	20	in	in	ADP
framr-4076	177	21	2021	2021	NUM
framr-4076	177	22	and	and	CCONJ
framr-4076	177	23	is	be	AUX
framr-4076	177	24	expected	expect	VERB
framr-4076	177	25	to	to	PART
framr-4076	177	26	reach	reach	VERB
framr-4076	177	27	$	$	SYM
framr-4076	177	28	12.06	12.06	NUM
framr-4076	177	29	trillion	trillion	NUM
framr-4076	177	30	by	by	ADP
framr-4076	177	31	2030	2030	NUM
framr-4076	177	32	,	,	PUNCT
framr-4076	177	33	registering	register	VERB
framr-4076	177	34	a	a	DET
framr-4076	177	35	cagr	cagr	NOUN
framr-4076	177	36	of	of	ADP
framr-4076	177	37	29.1	29.1	NUM
framr-4076	177	38	%	%	NOUN
framr-4076	177	39	from	from	ADP
framr-4076	177	40	2022	2022	NUM
framr-4076	177	41	to	to	ADP
framr-4076	177	42	2030	2030	NUM
framr-4076	177	43	.	.	PUNCT
framr-4076	178	1	•	•	NUM
framr-4076	178	2	insuretech	insuretech	PROPN
framr-4076	178	3	:	:	PUNCT
framr-4076	178	4	insuretech	insuretech	PROPN
framr-4076	178	5	,	,	PUNCT
framr-4076	178	6	a	a	DET
framr-4076	178	7	division	division	NOUN
framr-4076	178	8	of	of	ADP
framr-4076	178	9	fintech	fintech	NOUN
framr-4076	178	10	,	,	PUNCT
framr-4076	178	11	is	be	AUX
framr-4076	178	12	at	at	ADP
framr-4076	178	13	the	the	DET
framr-4076	178	14	forefront	forefront	NOUN
framr-4076	178	15	of	of	ADP
framr-4076	178	16	transforming	transform	VERB
framr-4076	178	17	the	the	DET
framr-4076	178	18	insurance	insurance	NOUN
framr-4076	178	19	industry	industry	NOUN
framr-4076	178	20	.	.	PUNCT
framr-4076	179	1	it	it	PRON
framr-4076	179	2	uses	use	VERB
framr-4076	179	3	technological	technological	ADJ
framr-4076	179	4	means	mean	NOUN
framr-4076	179	5	to	to	PART
framr-4076	179	6	create	create	VERB
framr-4076	179	7	new	new	ADJ
framr-4076	179	8	pathways	pathway	NOUN
framr-4076	179	9	and	and	CCONJ
framr-4076	179	10	sometimes	sometimes	ADV
framr-4076	179	11	acts	act	VERB
framr-4076	179	12	as	as	ADP
framr-4076	179	13	an	an	DET
framr-4076	179	14	intermediary	intermediary	NOUN
framr-4076	179	15	for	for	ADP
framr-4076	179	16	economic	economic	ADJ
framr-4076	179	17	development	development	NOUN
framr-4076	179	18	.	.	PUNCT
framr-4076	180	1	by	by	ADP
framr-4076	180	2	revolutionising	revolutionise	VERB
framr-4076	180	3	how	how	SCONJ
framr-4076	180	4	insurance	insurance	NOUN
framr-4076	180	5	is	be	AUX
framr-4076	180	6	distributed	distribute	VERB
framr-4076	180	7	,	,	PUNCT
framr-4076	180	8	data	data	NOUN
framr-4076	180	9	-	-	PUNCT
framr-4076	180	10	driven	drive	VERB
framr-4076	180	11	insuretech	insuretech	NOUN
framr-4076	180	12	companies	company	NOUN
framr-4076	180	13	significantly	significantly	ADV
framr-4076	180	14	enhance	enhance	VERB
framr-4076	180	15	the	the	DET
framr-4076	180	16	user	user	NOUN
framr-4076	180	17	experience	experience	NOUN
framr-4076	180	18	and	and	CCONJ
framr-4076	180	19	financial	financial	ADJ
framr-4076	180	20	performance	performance	NOUN
framr-4076	180	21	of	of	ADP
framr-4076	180	22	transactions	transaction	NOUN
framr-4076	180	23	.	.	PUNCT
framr-4076	181	1	they	they	PRON
framr-4076	181	2	also	also	ADV
framr-4076	181	3	introduce	introduce	VERB
framr-4076	181	4	new	new	ADJ
framr-4076	181	5	payment	payment	NOUN
framr-4076	181	6	products	product	NOUN
framr-4076	181	7	that	that	PRON
framr-4076	181	8	are	be	AUX
framr-4076	181	9	more	more	ADV
framr-4076	181	10	tailored	tailor	VERB
framr-4076	181	11	to	to	ADP
framr-4076	181	12	specific	specific	ADJ
framr-4076	181	13	needs	need	NOUN
framr-4076	181	14	,	,	PUNCT
framr-4076	181	15	reshaping	reshape	VERB
framr-4076	181	16	the	the	DET
framr-4076	181	17	insurance	insurance	NOUN
framr-4076	181	18	industry	industry	NOUN
framr-4076	181	19	.	.	PUNCT
framr-4076	182	1	insurtech	insurtech	PROPN
framr-4076	182	2	innovations	innovation	NOUN
framr-4076	182	3	include	include	VERB
framr-4076	182	4	usage	usage	NOUN
framr-4076	182	5	-	-	PUNCT
framr-4076	182	6	based	base	VERB
framr-4076	182	7	insurance	insurance	NOUN
framr-4076	182	8	,	,	PUNCT
framr-4076	182	9	on	on	ADP
framr-4076	182	10	-	-	PUNCT
framr-4076	182	11	demand	demand	NOUN
framr-4076	182	12	insurance	insurance	NOUN
framr-4076	182	13	,	,	PUNCT
framr-4076	182	14	and	and	CCONJ
framr-4076	182	15	peer	peer	NOUN
framr-4076	182	16	-	-	PUNCT
framr-4076	182	17	to	to	ADP
framr-4076	182	18	-	-	PUNCT
framr-4076	182	19	peer	peer	NOUN
framr-4076	182	20	models	model	NOUN
framr-4076	182	21	.	.	PUNCT
framr-4076	183	1	startups	startup	NOUN
framr-4076	183	2	such	such	ADJ
framr-4076	183	3	as	as	ADP
framr-4076	183	4	lemonade	lemonade	NOUN
framr-4076	183	5	and	and	CCONJ
framr-4076	183	6	root	root	NOUN
framr-4076	183	7	have	have	AUX
framr-4076	183	8	redefined	redefine	VERB
framr-4076	183	9	insurance	insurance	NOUN
framr-4076	183	10	services	service	NOUN
framr-4076	183	11	with	with	ADP
framr-4076	183	12	lower	low	ADJ
framr-4076	183	13	premiums	premium	NOUN
framr-4076	183	14	,	,	PUNCT
framr-4076	183	15	simplicity	simplicity	NOUN
framr-4076	183	16	,	,	PUNCT
framr-4076	183	17	and	and	CCONJ
framr-4076	183	18	transparency	transparency	NOUN
framr-4076	183	19	compared	compare	VERB
framr-4076	183	20	to	to	ADP
framr-4076	183	21	traditional	traditional	ADJ
framr-4076	183	22	methods	method	NOUN
framr-4076	183	23	.	.	PUNCT
framr-4076	184	1	the	the	DET
framr-4076	184	2	global	global	ADJ
framr-4076	184	3	insuretech	insuretech	PROPN
framr-4076	184	4	market	market	NOUN
framr-4076	184	5	is	be	AUX
framr-4076	184	6	predicted	predict	VERB
framr-4076	184	7	to	to	PART
framr-4076	184	8	reach	reach	VERB
framr-4076	184	9	$	$	SYM
framr-4076	184	10	60.98	60.98	NUM
framr-4076	184	11	billion	billion	NUM
framr-4076	184	12	in	in	ADP
framr-4076	184	13	2028	2028	NUM
framr-4076	184	14	from	from	ADP
framr-4076	184	15	the	the	DET
framr-4076	184	16	projections	projection	NOUN
framr-4076	184	17	of	of	ADP
framr-4076	184	18	accenture	accenture	NOUN
framr-4076	184	19	(	(	PUNCT
framr-4076	184	20	2023	2023	NUM
framr-4076	184	21	)	)	PUNCT
framr-4076	184	22	pushed	push	VERB
framr-4076	184	23	by	by	ADP
framr-4076	184	24	the	the	DET
framr-4076	184	25	growing	grow	VERB
framr-4076	184	26	utilisation	utilisation	NOUN
framr-4076	184	27	of	of	ADP
framr-4076	184	28	digital	digital	ADJ
framr-4076	184	29	technologies	technology	NOUN
framr-4076	184	30	in	in	ADP
framr-4076	184	31	insurance	insurance	NOUN
framr-4076	184	32	technology	technology	NOUN
framr-4076	184	33	,	,	PUNCT
framr-4076	184	34	as	as	SCONJ
framr-4076	184	35	reported	report	VERB
framr-4076	184	36	here	here	ADV
framr-4076	184	37	.	.	PUNCT
framr-4076	185	1	•	•	NOUN
framr-4076	185	2	robo	robo	NOUN
framr-4076	185	3	-	-	PUNCT
framr-4076	185	4	advisors	advisor	NOUN
framr-4076	185	5	:	:	PUNCT
framr-4076	185	6	robo	robo	NOUN
framr-4076	185	7	-	-	PUNCT
framr-4076	185	8	advisors	advisor	NOUN
framr-4076	185	9	,	,	PUNCT
framr-4076	185	10	with	with	ADP
framr-4076	185	11	their	their	PRON
framr-4076	185	12	user	user	NOUN
framr-4076	185	13	-	-	PUNCT
framr-4076	185	14	centric	centric	ADJ
framr-4076	185	15	approach	approach	NOUN
framr-4076	185	16	,	,	PUNCT
framr-4076	185	17	are	be	AUX
framr-4076	185	18	self	self	NOUN
framr-4076	185	19	-	-	PUNCT
framr-4076	185	20	service	service	NOUN
framr-4076	185	21	applications	application	NOUN
framr-4076	185	22	that	that	PRON
framr-4076	185	23	provide	provide	VERB
framr-4076	185	24	financial	financial	ADJ
framr-4076	185	25	advice	advice	NOUN
framr-4076	185	26	and	and	CCONJ
framr-4076	185	27	management	management	NOUN
framr-4076	185	28	recommendations	recommendation	NOUN
framr-4076	185	29	based	base	VERB
framr-4076	185	30	on	on	ADP
framr-4076	185	31	advanced	advanced	ADJ
framr-4076	185	32	algorithms	algorithm	NOUN
framr-4076	185	33	with	with	ADP
framr-4076	185	34	no	no	DET
framr-4076	185	35	human	human	ADJ
framr-4076	185	36	intervention	intervention	NOUN
framr-4076	185	37	.	.	PUNCT
framr-4076	186	1	they	they	PRON
framr-4076	186	2	offer	offer	VERB
framr-4076	186	3	investment	investment	NOUN
framr-4076	186	4	strategies	strategy	NOUN
framr-4076	186	5	tailored	tailor	VERB
framr-4076	186	6	to	to	ADP
framr-4076	186	7	the	the	DET
framr-4076	186	8	user	user	NOUN
framr-4076	186	9	’s	’s	PART
framr-4076	186	10	risk	risk	NOUN
framr-4076	186	11	profile	profile	NOUN
framr-4076	186	12	,	,	PUNCT
framr-4076	186	13	budget	budget	NOUN
framr-4076	186	14	,	,	PUNCT
framr-4076	186	15	and	and	CCONJ
framr-4076	186	16	time	time	NOUN
framr-4076	186	17	preferences	preference	NOUN
framr-4076	186	18	,	,	PUNCT
framr-4076	186	19	making	make	VERB
framr-4076	186	20	the	the	DET
framr-4076	186	21	user	user	NOUN
framr-4076	186	22	feel	feel	AUX
framr-4076	186	23	considered	consider	VERB
framr-4076	186	24	and	and	CCONJ
framr-4076	186	25	important	important	ADJ
framr-4076	186	26	.	.	PUNCT
framr-4076	187	1	robo	robo	NOUN
framr-4076	187	2	-	-	PUNCT
framr-4076	187	3	advisors	advisor	NOUN
framr-4076	187	4	have	have	AUX
framr-4076	187	5	made	make	VERB
framr-4076	187	6	consulting	consult	VERB
framr-4076	187	7	affordable	affordable	ADJ
framr-4076	187	8	due	due	ADP
framr-4076	187	9	to	to	ADP
framr-4076	187	10	their	their	PRON
framr-4076	187	11	relatively	relatively	ADV
framr-4076	187	12	lowcost	lowcost	VERB
framr-4076	187	13	solutions	solution	NOUN
framr-4076	187	14	,	,	PUNCT
framr-4076	187	15	which	which	PRON
framr-4076	187	16	otherwise	otherwise	ADV
framr-4076	187	17	would	would	AUX
framr-4076	187	18	have	have	AUX
framr-4076	187	19	been	be	AUX
framr-4076	187	20	out	out	ADP
framr-4076	187	21	of	of	ADP
framr-4076	187	22	reach	reach	NOUN
framr-4076	187	23	for	for	ADP
framr-4076	187	24	most	most	ADJ
framr-4076	187	25	individuals	individual	NOUN
framr-4076	187	26	.	.	PUNCT
framr-4076	188	1	this	this	PRON
framr-4076	188	2	has	have	AUX
framr-4076	188	3	enabled	enable	VERB
framr-4076	188	4	firms	firm	NOUN
framr-4076	188	5	such	such	ADJ
framr-4076	188	6	as	as	ADP
framr-4076	188	7	betterment	betterment	NOUN
framr-4076	188	8	and	and	CCONJ
framr-4076	188	9	wealthfront	wealthfront	NOUN
framr-4076	188	10	to	to	PART
framr-4076	188	11	emerge	emerge	VERB
framr-4076	188	12	as	as	ADP
framr-4076	188	13	some	some	PRON
framr-4076	188	14	of	of	ADP
framr-4076	188	15	the	the	DET
framr-4076	188	16	most	most	ADV
framr-4076	188	17	prominent	prominent	ADJ
framr-4076	188	18	robo	robo	NOUN
framr-4076	188	19	-	-	PUNCT
framr-4076	188	20	advisors	advisor	NOUN
framr-4076	188	21	,	,	PUNCT
framr-4076	188	22	managing	manage	VERB
framr-4076	188	23	several	several	ADJ
framr-4076	188	24	billions	billion	NOUN
framr-4076	188	25	of	of	ADP
framr-4076	188	26	dollars	dollar	NOUN
framr-4076	188	27	.	.	PUNCT
framr-4076	189	1	the	the	DET
framr-4076	189	2	global	global	ADJ
framr-4076	189	3	robo	robo	NOUN
framr-4076	189	4	-	-	PUNCT
framr-4076	189	5	advisors	advisor	NOUN
framr-4076	189	6	market	market	NOUN
framr-4076	189	7	was	be	AUX
framr-4076	189	8	worth	worth	ADJ
framr-4076	189	9	$	$	SYM
framr-4076	189	10	987	987	NUM
framr-4076	189	11	million	million	NUM
framr-4076	189	12	and	and	CCONJ
framr-4076	189	13	is	be	AUX
framr-4076	189	14	expected	expect	VERB
framr-4076	189	15	to	to	PART
framr-4076	189	16	grow	grow	VERB
framr-4076	189	17	at	at	ADP
framr-4076	189	18	a	a	DET
framr-4076	189	19	compound	compound	ADJ
framr-4076	189	20	annual	annual	ADJ
framr-4076	189	21	growth	growth	NOUN
framr-4076	189	22	rate	rate	NOUN
framr-4076	189	23	(	(	PUNCT
framr-4076	189	24	cagr	cagr	NOUN
framr-4076	189	25	)	)	PUNCT
framr-4076	189	26	of	of	ADP
framr-4076	189	27	18	18	NUM
framr-4076	189	28	%	%	NOUN
framr-4076	189	29	over	over	ADP
framr-4076	189	30	the	the	DET
framr-4076	189	31	next	next	ADJ
framr-4076	189	32	five	five	NUM
framr-4076	189	33	years	year	NOUN
framr-4076	189	34	.	.	PUNCT
framr-4076	190	1	it	it	PRON
framr-4076	190	2	was	be	AUX
framr-4076	190	3	valued	value	VERB
framr-4076	190	4	at	at	ADP
framr-4076	190	5	$	$	SYM
framr-4076	190	6	4	4	NUM
framr-4076	190	7	billion	billion	NUM
framr-4076	190	8	in	in	ADP
framr-4076	190	9	2021	2021	NUM
framr-4076	190	10	,	,	PUNCT
framr-4076	190	11	and	and	CCONJ
framr-4076	190	12	its	its	PRON
framr-4076	190	13	market	market	NOUN
framr-4076	190	14	is	be	AUX
framr-4076	190	15	projected	project	VERB
framr-4076	190	16	to	to	PART
framr-4076	190	17	rise	rise	VERB
framr-4076	190	18	at	at	ADP
framr-4076	190	19	a	a	DET
framr-4076	190	20	cagr	cagr	NOUN
framr-4076	190	21	of	of	ADP
framr-4076	190	22	29	29	NUM
framr-4076	190	23	%	%	NOUN
framr-4076	190	24	between	between	ADP
framr-4076	190	25	2022	2022	NUM
framr-4076	190	26	and	and	CCONJ
framr-4076	190	27	2030	2030	NUM
framr-4076	190	28	(	(	PUNCT
framr-4076	190	29	research	research	NOUN
framr-4076	190	30	and	and	CCONJ
framr-4076	190	31	markets	market	NOUN
framr-4076	190	32	,	,	PUNCT
framr-4076	190	33	2023	2023	NUM
framr-4076	190	34	)	)	PUNCT
framr-4076	190	35	.	.	PUNCT
framr-4076	191	1	financial	financial	ADJ
framr-4076	191	2	risk	risk	NOUN
framr-4076	191	3	and	and	CCONJ
framr-4076	191	4	management	management	NOUN
framr-4076	191	5	reviews	review	NOUN
framr-4076	191	6	,	,	PUNCT
framr-4076	191	7	2025	2025	NUM
framr-4076	191	8	,	,	PUNCT
framr-4076	191	9	11(1	11(1	NUM
framr-4076	191	10	):	):	PUNCT
framr-4076	191	11	37	37	NUM
framr-4076	191	12	-	-	SYM
framr-4076	191	13	71	71	NUM
framr-4076	191	14	44	44	NUM
framr-4076	191	15	©	©	PROPN
framr-4076	191	16	2025	2025	NUM
framr-4076	191	17	conscientia	conscientia	PROPN
framr-4076	191	18	beam	beam	PROPN
framr-4076	191	19	.	.	PUNCT
framr-4076	192	1	all	all	DET
framr-4076	192	2	rights	right	NOUN
framr-4076	192	3	reserved	reserve	VERB
framr-4076	192	4	.	.	PUNCT
framr-4076	193	1	following	follow	VERB
framr-4076	193	2	table	table	NOUN
framr-4076	193	3	1	1	NUM
framr-4076	193	4	presents	present	VERB
framr-4076	193	5	the	the	DET
framr-4076	193	6	key	key	ADJ
framr-4076	193	7	fintech	fintech	NOUN
framr-4076	193	8	solutions	solution	NOUN
framr-4076	193	9	,	,	PUNCT
framr-4076	193	10	their	their	PRON
framr-4076	193	11	definition	definition	NOUN
framr-4076	193	12	,	,	PUNCT
framr-4076	193	13	market	market	NOUN
framr-4076	193	14	size	size	NOUN
framr-4076	193	15	,	,	PUNCT
framr-4076	193	16	and	and	CCONJ
framr-4076	193	17	project	project	NOUN
framr-4076	193	18	growth	growth	NOUN
framr-4076	193	19	:	:	PUNCT
framr-4076	193	20	table	table	NOUN
framr-4076	193	21	1	1	NUM
framr-4076	193	22	.	.	PUNCT
framr-4076	193	23	key	key	ADJ
framr-4076	193	24	areas	area	NOUN
framr-4076	193	25	of	of	ADP
framr-4076	193	26	fintech	fintech	NOUN
framr-4076	193	27	.	.	PUNCT
framr-4076	194	1	key	key	ADJ
framr-4076	194	2	area	area	NOUN
framr-4076	194	3	definition	definition	NOUN
framr-4076	194	4	market	market	NOUN
framr-4076	194	5	size	size	NOUN
framr-4076	194	6	(	(	PUNCT
framr-4076	194	7	2021	2021	NUM
framr-4076	194	8	)	)	PUNCT
framr-4076	194	9	projected	project	VERB
framr-4076	194	10	growth	growth	NOUN
framr-4076	194	11	blockchain	blockchain	NOUN
framr-4076	194	12	decentralized	decentralize	VERB
framr-4076	194	13	ledger	ledger	NOUN
framr-4076	194	14	technology	technology	NOUN
framr-4076	194	15	enabling	enable	VERB
framr-4076	194	16	secure	secure	ADJ
framr-4076	194	17	transactions	transaction	NOUN
framr-4076	194	18	$	$	SYM
framr-4076	194	19	6.6	6.6	NUM
framr-4076	194	20	billion	billion	NUM
framr-4076	194	21	$	$	SYM
framr-4076	194	22	1.76	1.76	NUM
framr-4076	194	23	trillion	trillion	NUM
framr-4076	194	24	by	by	ADP
framr-4076	194	25	2030	2030	NUM
framr-4076	194	26	(	(	PUNCT
framr-4076	194	27	pwc	pwc	NOUN
framr-4076	194	28	,	,	PUNCT
framr-4076	194	29	2022	2022	NUM
framr-4076	194	30	)	)	PUNCT
framr-4076	194	31	crowdfunding	crowdfunde	VERB
framr-4076	194	32	online	online	ADJ
framr-4076	194	33	platforms	platform	NOUN
framr-4076	194	34	for	for	ADP
framr-4076	194	35	raising	raise	VERB
framr-4076	194	36	funds	fund	NOUN
framr-4076	194	37	from	from	ADP
framr-4076	194	38	the	the	DET
framr-4076	194	39	public	public	ADJ
framr-4076	194	40	$	$	SYM
framr-4076	194	41	12.27	12.27	NUM
framr-4076	194	42	billion	billion	NUM
framr-4076	194	43	continuous	continuous	ADJ
framr-4076	194	44	growth	growth	NOUN
framr-4076	194	45	(	(	PUNCT
framr-4076	194	46	cambridge	cambridge	NOUN
framr-4076	194	47	centre	centre	PROPN
framr-4076	194	48	for	for	ADP
framr-4076	194	49	alternative	alternative	ADJ
framr-4076	194	50	finance	finance	NOUN
framr-4076	194	51	,	,	PUNCT
framr-4076	194	52	2022	2022	NUM
framr-4076	194	53	)	)	PUNCT
framr-4076	194	54	digital	digital	ADJ
framr-4076	194	55	banking	banking	NOUN
framr-4076	194	56	banking	banking	NOUN
framr-4076	194	57	services	service	NOUN
framr-4076	194	58	provided	provide	VERB
framr-4076	194	59	through	through	ADP
framr-4076	194	60	digital	digital	ADJ
framr-4076	194	61	channels	channel	NOUN
framr-4076	194	62	$	$	SYM
framr-4076	194	63	9.4	9.4	NUM
framr-4076	194	64	billion	billion	NUM
framr-4076	194	65	cagr	cagr	NOUN
framr-4076	194	66	of	of	ADP
framr-4076	194	67	8.9	8.9	NUM
framr-4076	194	68	%	%	NOUN
framr-4076	194	69	(	(	PUNCT
framr-4076	194	70	2022	2022	NUM
framr-4076	194	71	-	-	SYM
framr-4076	194	72	2030	2030	NUM
framr-4076	194	73	)	)	PUNCT
framr-4076	194	74	p2p	p2p	NOUN
framr-4076	194	75	lending	lend	VERB
framr-4076	194	76	direct	direct	ADJ
framr-4076	194	77	lending	lending	NOUN
framr-4076	194	78	and	and	CCONJ
framr-4076	194	79	borrowing	borrowing	NOUN
framr-4076	194	80	between	between	ADP
framr-4076	194	81	individuals	individual	NOUN
framr-4076	194	82	$	$	SYM
framr-4076	194	83	158.6	158.6	NUM
framr-4076	194	84	billion	billion	NUM
framr-4076	194	85	$	$	SYM
framr-4076	194	86	558.91	558.91	NUM
framr-4076	194	87	billion	billion	NUM
framr-4076	194	88	by	by	ADP
framr-4076	194	89	2027	2027	NUM
framr-4076	194	90	(	(	PUNCT
framr-4076	194	91	statista	statista	NOUN
framr-4076	194	92	,	,	PUNCT
framr-4076	194	93	2023	2023	NUM
framr-4076	194	94	)	)	PUNCT
framr-4076	194	95	mobile	mobile	NOUN
framr-4076	194	96	payments	payment	NOUN
framr-4076	194	97	financial	financial	ADJ
framr-4076	194	98	transactions	transaction	NOUN
framr-4076	194	99	conducted	conduct	VERB
framr-4076	194	100	via	via	ADP
framr-4076	194	101	smartphones	smartphone	NOUN
framr-4076	194	102	$	$	SYM
framr-4076	194	103	1.48	1.48	NUM
framr-4076	194	104	trillion	trillion	NUM
framr-4076	194	105	$	$	SYM
framr-4076	194	106	12.06	12.06	NUM
framr-4076	194	107	trillion	trillion	NUM
framr-4076	194	108	by	by	ADP
framr-4076	194	109	2030	2030	NUM
framr-4076	194	110	(	(	PUNCT
framr-4076	194	111	allied	ally	VERB
framr-4076	194	112	market	market	NOUN
framr-4076	194	113	research	research	NOUN
framr-4076	194	114	,	,	PUNCT
framr-4076	194	115	2022	2022	NUM
framr-4076	194	116	)	)	PUNCT
framr-4076	194	117	insuretech	insuretech	VERB
framr-4076	194	118	technology	technology	NOUN
framr-4076	194	119	-	-	PUNCT
framr-4076	194	120	driven	drive	VERB
framr-4076	194	121	innovations	innovation	NOUN
framr-4076	194	122	in	in	ADP
framr-4076	194	123	insurance	insurance	NOUN
framr-4076	194	124	$	$	SYM
framr-4076	194	125	60.98	60.98	NUM
framr-4076	194	126	billion	billion	NUM
framr-4076	194	127	by	by	ADP
framr-4076	194	128	2028	2028	NUM
framr-4076	194	129	growing	grow	VERB
framr-4076	194	130	adoption	adoption	NOUN
framr-4076	194	131	(	(	PUNCT
framr-4076	194	132	accenture	accenture	NOUN
framr-4076	194	133	,	,	PUNCT
framr-4076	194	134	2023	2023	NUM
framr-4076	194	135	)	)	PUNCT
framr-4076	194	136	robo	robo	NOUN
framr-4076	194	137	-	-	PUNCT
framr-4076	194	138	advisors	advisor	NOUN
framr-4076	194	139	automated	automate	VERB
framr-4076	194	140	investment	investment	NOUN
framr-4076	194	141	management	management	NOUN
framr-4076	194	142	services	service	VERB
framr-4076	194	143	$	$	SYM
framr-4076	194	144	987.4	987.4	NUM
framr-4076	194	145	billion	billion	NUM
framr-4076	194	146	cagr	cagr	NOUN
framr-4076	194	147	of	of	ADP
framr-4076	194	148	29	29	NUM
framr-4076	194	149	%	%	NOUN
framr-4076	194	150	(	(	PUNCT
framr-4076	194	151	2022	2022	NUM
framr-4076	194	152	-	-	SYM
framr-4076	194	153	2030	2030	NUM
framr-4076	194	154	)	)	PUNCT
framr-4076	194	155	(	(	PUNCT
framr-4076	194	156	research	research	NOUN
framr-4076	194	157	and	and	CCONJ
framr-4076	194	158	markets	market	NOUN
framr-4076	194	159	,	,	PUNCT
framr-4076	194	160	2023	2023	NUM
framr-4076	194	161	)	)	PUNCT
framr-4076	194	162	2.3	2.3	NUM
framr-4076	194	163	.	.	PUNCT
framr-4076	195	1	sustainable	sustainable	ADJ
framr-4076	195	2	development	development	NOUN
framr-4076	195	3	goals	goal	NOUN
framr-4076	195	4	2.3.1	2.3.1	NUM
framr-4076	195	5	.	.	PUNCT
framr-4076	195	6	introduction	introduction	NOUN
framr-4076	195	7	to	to	PART
framr-4076	195	8	sdgs	sdgs	VERB
framr-4076	195	9	the	the	DET
framr-4076	195	10	sustainable	sustainable	ADJ
framr-4076	195	11	development	development	NOUN
framr-4076	195	12	goals	goal	NOUN
framr-4076	195	13	(	(	PUNCT
framr-4076	195	14	sdgs	sdgs	ADJ
framr-4076	195	15	)	)	PUNCT
framr-4076	195	16	are	be	AUX
framr-4076	195	17	a	a	DET
framr-4076	195	18	set	set	NOUN
framr-4076	195	19	of	of	ADP
framr-4076	195	20	17	17	NUM
framr-4076	195	21	integrated	integrate	VERB
framr-4076	195	22	goals	goal	NOUN
framr-4076	195	23	meant	mean	VERB
framr-4076	195	24	to	to	PART
framr-4076	195	25	be	be	AUX
framr-4076	195	26	a	a	DET
framr-4076	195	27	‘	'	PUNCT
framr-4076	195	28	roadmap	roadmap	NOUN
framr-4076	195	29	to	to	ADP
framr-4076	195	30	a	a	DET
framr-4076	195	31	better	well	ADJ
framr-4076	195	32	and	and	CCONJ
framr-4076	195	33	more	more	ADV
framr-4076	195	34	sustainable	sustainable	ADJ
framr-4076	195	35	future	future	NOUN
framr-4076	195	36	for	for	ADP
framr-4076	195	37	humanity	humanity	NOUN
framr-4076	195	38	.	.	PUNCT
framr-4076	195	39	’	'	PUNCT
framr-4076	196	1	the	the	DET
framr-4076	196	2	united	united	PROPN
framr-4076	196	3	nations	nations	PROPN
framr-4076	196	4	set	set	VERB
framr-4076	196	5	these	these	DET
framr-4076	196	6	goals	goal	NOUN
framr-4076	196	7	out	out	ADP
framr-4076	196	8	in	in	ADP
framr-4076	196	9	2015	2015	NUM
framr-4076	196	10	and	and	CCONJ
framr-4076	196	11	target	target	NOUN
framr-4076	196	12	areas	area	NOUN
framr-4076	196	13	like	like	ADP
framr-4076	196	14	poverty	poverty	NOUN
framr-4076	196	15	,	,	PUNCT
framr-4076	196	16	inequality	inequality	NOUN
framr-4076	196	17	,	,	PUNCT
framr-4076	196	18	sustainability	sustainability	NOUN
framr-4076	196	19	,	,	PUNCT
framr-4076	196	20	the	the	DET
framr-4076	196	21	environment	environment	NOUN
framr-4076	196	22	,	,	PUNCT
framr-4076	196	23	peace	peace	NOUN
framr-4076	196	24	,	,	PUNCT
framr-4076	196	25	and	and	CCONJ
framr-4076	196	26	justice	justice	NOUN
framr-4076	196	27	,	,	PUNCT
framr-4076	196	28	among	among	ADP
framr-4076	196	29	others	other	NOUN
framr-4076	196	30	.	.	PUNCT
framr-4076	197	1	these	these	DET
framr-4076	197	2	goals	goal	NOUN
framr-4076	197	3	are	be	AUX
framr-4076	197	4	intended	intend	VERB
framr-4076	197	5	to	to	PART
framr-4076	197	6	be	be	AUX
framr-4076	197	7	realised	realise	VERB
framr-4076	197	8	by	by	ADP
framr-4076	197	9	2030	2030	NUM
framr-4076	197	10	as	as	ADP
framr-4076	197	11	part	part	NOUN
framr-4076	197	12	of	of	ADP
framr-4076	197	13	the	the	DET
framr-4076	197	14	2030	2030	NUM
framr-4076	197	15	agenda	agenda	NOUN
framr-4076	197	16	for	for	ADP
framr-4076	197	17	sustainable	sustainable	ADJ
framr-4076	197	18	development	development	NOUN
framr-4076	197	19	,	,	PUNCT
framr-4076	197	20	to	to	PART
framr-4076	197	21	which	which	PRON
framr-4076	197	22	all	all	DET
framr-4076	197	23	un	un	PROPN
framr-4076	197	24	members	member	NOUN
framr-4076	197	25	have	have	AUX
framr-4076	197	26	committed	commit	VERB
framr-4076	197	27	.	.	PUNCT
framr-4076	198	1	the	the	DET
framr-4076	198	2	sdgs	sdgs	NOUN
framr-4076	198	3	are	be	AUX
framr-4076	198	4	well	well	ADV
framr-4076	198	5	encapsulated	encapsulate	VERB
framr-4076	198	6	,	,	PUNCT
framr-4076	198	7	encompassing	encompass	VERB
framr-4076	198	8	development	development	NOUN
framr-4076	198	9	in	in	ADP
framr-4076	198	10	several	several	ADJ
framr-4076	198	11	areas	area	NOUN
framr-4076	198	12	of	of	ADP
framr-4076	198	13	human	human	ADJ
framr-4076	198	14	endeavour	endeavour	NOUN
framr-4076	198	15	in	in	ADP
framr-4076	198	16	social	social	ADJ
framr-4076	198	17	,	,	PUNCT
framr-4076	198	18	economic	economic	ADJ
framr-4076	198	19	,	,	PUNCT
framr-4076	198	20	and	and	CCONJ
framr-4076	198	21	environmental	environmental	ADJ
framr-4076	198	22	realms	realm	NOUN
framr-4076	198	23	.	.	PUNCT
framr-4076	199	1	they	they	PRON
framr-4076	199	2	are	be	AUX
framr-4076	199	3	founded	found	VERB
framr-4076	199	4	on	on	ADP
framr-4076	199	5	the	the	DET
framr-4076	199	6	principles	principle	NOUN
framr-4076	199	7	of	of	ADP
framr-4076	199	8	equity	equity	NOUN
framr-4076	199	9	with	with	ADP
framr-4076	199	10	the	the	DET
framr-4076	199	11	aim	aim	NOUN
framr-4076	199	12	of	of	ADP
framr-4076	199	13	universalism	universalism	NOUN
framr-4076	199	14	in	in	ADP
framr-4076	199	15	fulfilling	fulfil	VERB
framr-4076	199	16	development	development	NOUN
framr-4076	199	17	goals	goal	NOUN
framr-4076	199	18	.	.	PUNCT
framr-4076	200	1	these	these	DET
framr-4076	200	2	17	17	NUM
framr-4076	200	3	specific	specific	ADJ
framr-4076	200	4	objectives	objective	NOUN
framr-4076	200	5	are	be	AUX
framr-4076	200	6	characterised	characterise	VERB
framr-4076	200	7	by	by	ADP
framr-4076	200	8	169	169	NUM
framr-4076	200	9	targets	target	NOUN
framr-4076	200	10	and	and	CCONJ
framr-4076	200	11	231	231	NUM
framr-4076	200	12	distinct	distinct	ADJ
framr-4076	200	13	indicators	indicator	NOUN
framr-4076	200	14	that	that	PRON
framr-4076	200	15	clarify	clarify	VERB
framr-4076	200	16	the	the	DET
framr-4076	200	17	steps	step	NOUN
framr-4076	200	18	to	to	PART
framr-4076	200	19	be	be	AUX
framr-4076	200	20	followed	follow	VERB
framr-4076	200	21	in	in	ADP
framr-4076	200	22	the	the	DET
framr-4076	200	23	monitoring	monitoring	NOUN
framr-4076	200	24	process	process	NOUN
framr-4076	200	25	.	.	PUNCT
framr-4076	201	1	the	the	DET
framr-4076	201	2	following	follow	VERB
framr-4076	201	3	table	table	NOUN
framr-4076	201	4	2	2	NUM
framr-4076	201	5	summarises	summarise	NOUN
framr-4076	201	6	the	the	DET
framr-4076	201	7	17	17	NUM
framr-4076	201	8	sdgs	sdgs	ADJ
framr-4076	201	9	:	:	PUNCT
framr-4076	201	10	table	table	NOUN
framr-4076	201	11	2	2	NUM
framr-4076	201	12	.	.	PUNCT
framr-4076	202	1	summary	summary	NOUN
framr-4076	202	2	of	of	ADP
framr-4076	202	3	17	17	NUM
framr-4076	202	4	sustainable	sustainable	ADJ
framr-4076	202	5	development	development	NOUN
framr-4076	202	6	goals	goal	NOUN
framr-4076	202	7	.	.	PUNCT
framr-4076	203	1	sdg	sdg	NOUN
framr-4076	203	2	number	number	NOUN
framr-4076	203	3	goal	goal	NOUN
framr-4076	203	4	description	description	NOUN
framr-4076	203	5	1	1	NUM
framr-4076	203	6	no	no	DET
framr-4076	203	7	poverty	poverty	NOUN
framr-4076	203	8	end	end	NOUN
framr-4076	203	9	poverty	poverty	NOUN
framr-4076	203	10	in	in	ADP
framr-4076	203	11	all	all	DET
framr-4076	203	12	its	its	PRON
framr-4076	203	13	forms	form	NOUN
framr-4076	203	14	everywhere	everywhere	ADV
framr-4076	203	15	.	.	PUNCT
framr-4076	204	1	2	2	NUM
framr-4076	204	2	zero	zero	NUM
framr-4076	204	3	hunger	hunger	NOUN
framr-4076	204	4	end	end	VERB
framr-4076	204	5	hunger	hunger	NOUN
framr-4076	204	6	,	,	PUNCT
framr-4076	204	7	achieve	achieve	VERB
framr-4076	204	8	food	food	NOUN
framr-4076	204	9	security	security	NOUN
framr-4076	204	10	and	and	CCONJ
framr-4076	204	11	improved	improved	ADJ
framr-4076	204	12	nutrition	nutrition	NOUN
framr-4076	204	13	,	,	PUNCT
framr-4076	204	14	and	and	CCONJ
framr-4076	204	15	promote	promote	VERB
framr-4076	204	16	sustainable	sustainable	ADJ
framr-4076	204	17	agriculture	agriculture	NOUN
framr-4076	204	18	.	.	PUNCT
framr-4076	205	1	3	3	NUM
framr-4076	205	2	good	good	ADJ
framr-4076	205	3	health	health	NOUN
framr-4076	205	4	and	and	CCONJ
framr-4076	205	5	well	well	ADV
framr-4076	205	6	-	-	PUNCT
framr-4076	205	7	being	being	NOUN
framr-4076	205	8	ensure	ensure	VERB
framr-4076	205	9	healthy	healthy	ADJ
framr-4076	205	10	lives	life	NOUN
framr-4076	205	11	and	and	CCONJ
framr-4076	205	12	promote	promote	VERB
framr-4076	205	13	well	well	ADV
framr-4076	205	14	-	-	PUNCT
framr-4076	205	15	being	being	NOUN
framr-4076	205	16	for	for	ADP
framr-4076	205	17	all	all	PRON
framr-4076	205	18	at	at	ADP
framr-4076	205	19	all	all	DET
framr-4076	205	20	ages	age	NOUN
framr-4076	205	21	.	.	PUNCT
framr-4076	206	1	4	4	NUM
framr-4076	206	2	quality	quality	NOUN
framr-4076	206	3	education	education	NOUN
framr-4076	206	4	ensure	ensure	VERB
framr-4076	206	5	inclusive	inclusive	ADJ
framr-4076	206	6	and	and	CCONJ
framr-4076	206	7	equitable	equitable	ADJ
framr-4076	206	8	quality	quality	NOUN
framr-4076	206	9	education	education	NOUN
framr-4076	206	10	and	and	CCONJ
framr-4076	206	11	promote	promote	VERB
framr-4076	206	12	lifelong	lifelong	ADJ
framr-4076	206	13	learning	learning	NOUN
framr-4076	206	14	opportunities	opportunity	NOUN
framr-4076	206	15	for	for	ADP
framr-4076	206	16	all	all	PRON
framr-4076	206	17	.	.	PUNCT
framr-4076	207	1	5	5	NUM
framr-4076	207	2	gender	gender	NOUN
framr-4076	207	3	equality	equality	NOUN
framr-4076	207	4	achieve	achieve	VERB
framr-4076	207	5	gender	gender	NOUN
framr-4076	207	6	equality	equality	NOUN
framr-4076	207	7	and	and	CCONJ
framr-4076	207	8	empower	empower	NOUN
framr-4076	207	9	all	all	DET
framr-4076	207	10	women	woman	NOUN
framr-4076	207	11	and	and	CCONJ
framr-4076	207	12	girls	girl	NOUN
framr-4076	207	13	.	.	PUNCT
framr-4076	208	1	6	6	NUM
framr-4076	208	2	clean	clean	ADJ
framr-4076	208	3	water	water	NOUN
framr-4076	208	4	and	and	CCONJ
framr-4076	208	5	sanitation	sanitation	NOUN
framr-4076	208	6	ensure	ensure	VERB
framr-4076	208	7	availability	availability	NOUN
framr-4076	208	8	and	and	CCONJ
framr-4076	208	9	sustainable	sustainable	ADJ
framr-4076	208	10	management	management	NOUN
framr-4076	208	11	of	of	ADP
framr-4076	208	12	water	water	NOUN
framr-4076	208	13	and	and	CCONJ
framr-4076	208	14	sanitation	sanitation	NOUN
framr-4076	208	15	for	for	ADP
framr-4076	208	16	all	all	PRON
framr-4076	208	17	.	.	PUNCT
framr-4076	209	1	7	7	NUM
framr-4076	209	2	affordable	affordable	ADJ
framr-4076	209	3	and	and	CCONJ
framr-4076	209	4	clean	clean	ADJ
framr-4076	209	5	energy	energy	NOUN
framr-4076	209	6	ensure	ensure	VERB
framr-4076	209	7	access	access	NOUN
framr-4076	209	8	to	to	ADP
framr-4076	209	9	affordable	affordable	ADJ
framr-4076	209	10	,	,	PUNCT
framr-4076	209	11	reliable	reliable	ADJ
framr-4076	209	12	,	,	PUNCT
framr-4076	209	13	sustainable	sustainable	ADJ
framr-4076	209	14	,	,	PUNCT
framr-4076	209	15	and	and	CCONJ
framr-4076	209	16	modern	modern	ADJ
framr-4076	209	17	energy	energy	NOUN
framr-4076	209	18	for	for	ADP
framr-4076	209	19	all	all	PRON
framr-4076	209	20	.	.	PUNCT
framr-4076	210	1	8	8	NUM
framr-4076	210	2	decent	decent	ADJ
framr-4076	210	3	work	work	NOUN
framr-4076	210	4	and	and	CCONJ
framr-4076	210	5	economic	economic	ADJ
framr-4076	210	6	growth	growth	NOUN
framr-4076	210	7	promote	promote	NOUN
framr-4076	210	8	sustained	sustain	VERB
framr-4076	210	9	,	,	PUNCT
framr-4076	210	10	inclusive	inclusive	ADJ
framr-4076	210	11	,	,	PUNCT
framr-4076	210	12	and	and	CCONJ
framr-4076	210	13	sustainable	sustainable	ADJ
framr-4076	210	14	economic	economic	ADJ
framr-4076	210	15	growth	growth	NOUN
framr-4076	210	16	,	,	PUNCT
framr-4076	210	17	full	full	ADJ
framr-4076	210	18	and	and	CCONJ
framr-4076	210	19	productive	productive	ADJ
framr-4076	210	20	employment	employment	NOUN
framr-4076	210	21	,	,	PUNCT
framr-4076	210	22	and	and	CCONJ
framr-4076	210	23	decent	decent	ADJ
framr-4076	210	24	work	work	NOUN
framr-4076	210	25	for	for	ADP
framr-4076	210	26	all	all	PRON
framr-4076	210	27	.	.	PUNCT
framr-4076	211	1	9	9	NUM
framr-4076	211	2	industry	industry	NOUN
framr-4076	211	3	,	,	PUNCT
framr-4076	211	4	innovation	innovation	NOUN
framr-4076	211	5	,	,	PUNCT
framr-4076	211	6	and	and	CCONJ
framr-4076	211	7	infrastructure	infrastructure	NOUN
framr-4076	211	8	build	build	VERB
framr-4076	211	9	resilient	resilient	ADJ
framr-4076	211	10	infrastructure	infrastructure	NOUN
framr-4076	211	11	,	,	PUNCT
framr-4076	211	12	promote	promote	VERB
framr-4076	211	13	inclusive	inclusive	ADJ
framr-4076	211	14	and	and	CCONJ
framr-4076	211	15	sustainable	sustainable	ADJ
framr-4076	211	16	industrialization	industrialization	NOUN
framr-4076	211	17	,	,	PUNCT
framr-4076	211	18	and	and	CCONJ
framr-4076	211	19	foster	foster	ADJ
framr-4076	211	20	innovation	innovation	NOUN
framr-4076	211	21	.	.	PUNCT
framr-4076	212	1	10	10	NUM
framr-4076	212	2	reduced	reduce	VERB
framr-4076	212	3	inequality	inequality	NOUN
framr-4076	212	4	reduce	reduce	VERB
framr-4076	212	5	inequality	inequality	NOUN
framr-4076	212	6	within	within	ADP
framr-4076	212	7	and	and	CCONJ
framr-4076	212	8	among	among	ADP
framr-4076	212	9	countries	country	NOUN
framr-4076	212	10	.	.	PUNCT
framr-4076	213	1	11	11	NUM
framr-4076	213	2	sustainable	sustainable	ADJ
framr-4076	213	3	cities	city	NOUN
framr-4076	213	4	and	and	CCONJ
framr-4076	213	5	make	make	VERB
framr-4076	213	6	cities	city	NOUN
framr-4076	213	7	and	and	CCONJ
framr-4076	213	8	human	human	ADJ
framr-4076	213	9	settlements	settlement	NOUN
framr-4076	213	10	inclusive	inclusive	ADJ
framr-4076	213	11	,	,	PUNCT
framr-4076	213	12	safe	safe	ADJ
framr-4076	213	13	,	,	PUNCT
framr-4076	213	14	resilient	resilient	ADJ
framr-4076	213	15	,	,	PUNCT
framr-4076	213	16	and	and	CCONJ
framr-4076	213	17	financial	financial	ADJ
framr-4076	213	18	risk	risk	NOUN
framr-4076	213	19	and	and	CCONJ
framr-4076	213	20	management	management	NOUN
framr-4076	213	21	reviews	review	NOUN
framr-4076	213	22	,	,	PUNCT
framr-4076	213	23	2025	2025	NUM
framr-4076	213	24	,	,	PUNCT
framr-4076	213	25	11(1	11(1	NUM
framr-4076	213	26	):	):	PUNCT
framr-4076	213	27	37	37	NUM
framr-4076	213	28	-	-	SYM
framr-4076	213	29	71	71	NUM
framr-4076	213	30	45	45	NUM
framr-4076	213	31	©	©	PROPN
framr-4076	213	32	2025	2025	NUM
framr-4076	213	33	conscientia	conscientia	PROPN
framr-4076	213	34	beam	beam	PROPN
framr-4076	213	35	.	.	PUNCT
framr-4076	214	1	all	all	DET
framr-4076	214	2	rights	right	NOUN
framr-4076	214	3	reserved	reserve	VERB
framr-4076	214	4	.	.	PUNCT
framr-4076	215	1	sdg	sdg	NOUN
framr-4076	215	2	number	number	NOUN
framr-4076	215	3	goal	goal	NOUN
framr-4076	215	4	description	description	NOUN
framr-4076	215	5	communities	community	NOUN
framr-4076	215	6	sustainable	sustainable	ADJ
framr-4076	215	7	.	.	PUNCT
framr-4076	216	1	12	12	NUM
framr-4076	216	2	responsible	responsible	ADJ
framr-4076	216	3	consumption	consumption	NOUN
framr-4076	216	4	and	and	CCONJ
framr-4076	216	5	production	production	NOUN
framr-4076	216	6	ensure	ensure	VERB
framr-4076	216	7	sustainable	sustainable	ADJ
framr-4076	216	8	consumption	consumption	NOUN
framr-4076	216	9	and	and	CCONJ
framr-4076	216	10	production	production	NOUN
framr-4076	216	11	patterns	pattern	NOUN
framr-4076	216	12	.	.	PUNCT
framr-4076	217	1	13	13	NUM
framr-4076	217	2	climate	climate	NOUN
framr-4076	217	3	action	action	NOUN
framr-4076	217	4	take	take	VERB
framr-4076	217	5	urgent	urgent	ADJ
framr-4076	217	6	action	action	NOUN
framr-4076	217	7	to	to	PART
framr-4076	217	8	combat	combat	VERB
framr-4076	217	9	climate	climate	NOUN
framr-4076	217	10	change	change	NOUN
framr-4076	217	11	and	and	CCONJ
framr-4076	217	12	its	its	PRON
framr-4076	217	13	impacts	impact	NOUN
framr-4076	217	14	.	.	PUNCT
framr-4076	218	1	14	14	NUM
framr-4076	218	2	life	life	NOUN
framr-4076	218	3	below	below	ADP
framr-4076	218	4	water	water	NOUN
framr-4076	218	5	conserve	conserve	VERB
framr-4076	218	6	and	and	CCONJ
framr-4076	218	7	sustainably	sustainably	ADV
framr-4076	218	8	use	use	VERB
framr-4076	218	9	the	the	DET
framr-4076	218	10	oceans	ocean	NOUN
framr-4076	218	11	,	,	PUNCT
framr-4076	218	12	seas	sea	NOUN
framr-4076	218	13	,	,	PUNCT
framr-4076	218	14	and	and	CCONJ
framr-4076	218	15	marine	marine	ADJ
framr-4076	218	16	resources	resource	NOUN
framr-4076	218	17	for	for	ADP
framr-4076	218	18	sustainable	sustainable	ADJ
framr-4076	218	19	development	development	NOUN
framr-4076	218	20	.	.	PUNCT
framr-4076	219	1	15	15	NUM
framr-4076	219	2	life	life	NOUN
framr-4076	219	3	on	on	ADP
framr-4076	219	4	land	land	NOUN
framr-4076	219	5	protect	protect	NOUN
framr-4076	219	6	,	,	PUNCT
framr-4076	219	7	restore	restore	ADJ
framr-4076	219	8	,	,	PUNCT
framr-4076	219	9	and	and	CCONJ
framr-4076	219	10	promote	promote	VERB
framr-4076	219	11	sustainable	sustainable	ADJ
framr-4076	219	12	use	use	NOUN
framr-4076	219	13	of	of	ADP
framr-4076	219	14	terrestrial	terrestrial	ADJ
framr-4076	219	15	ecosystems	ecosystem	NOUN
framr-4076	219	16	,	,	PUNCT
framr-4076	219	17	manage	manage	VERB
framr-4076	219	18	forests	forest	NOUN
framr-4076	219	19	sustainably	sustainably	ADV
framr-4076	219	20	,	,	PUNCT
framr-4076	219	21	combat	combat	NOUN
framr-4076	219	22	desertification	desertification	NOUN
framr-4076	219	23	,	,	PUNCT
framr-4076	219	24	and	and	CCONJ
framr-4076	219	25	halt	halt	VERB
framr-4076	219	26	biodiversity	biodiversity	NOUN
framr-4076	219	27	loss	loss	NOUN
framr-4076	219	28	.	.	PUNCT
framr-4076	220	1	16	16	NUM
framr-4076	220	2	peace	peace	NOUN
framr-4076	220	3	,	,	PUNCT
framr-4076	220	4	justice	justice	NOUN
framr-4076	220	5	,	,	PUNCT
framr-4076	220	6	and	and	CCONJ
framr-4076	220	7	strong	strong	ADJ
framr-4076	220	8	institutions	institution	NOUN
framr-4076	220	9	promote	promote	VERB
framr-4076	220	10	peaceful	peaceful	ADJ
framr-4076	220	11	and	and	CCONJ
framr-4076	220	12	inclusive	inclusive	ADJ
framr-4076	220	13	societies	society	NOUN
framr-4076	220	14	,	,	PUNCT
framr-4076	220	15	provide	provide	VERB
framr-4076	220	16	access	access	NOUN
framr-4076	220	17	to	to	ADP
framr-4076	220	18	justice	justice	NOUN
framr-4076	220	19	for	for	ADP
framr-4076	220	20	all	all	PRON
framr-4076	220	21	,	,	PUNCT
framr-4076	220	22	and	and	CCONJ
framr-4076	220	23	build	build	VERB
framr-4076	220	24	effective	effective	ADJ
framr-4076	220	25	,	,	PUNCT
framr-4076	220	26	accountable	accountable	ADJ
framr-4076	220	27	institutions	institution	NOUN
framr-4076	220	28	.	.	PUNCT
framr-4076	221	1	17	17	NUM
framr-4076	221	2	partnerships	partnership	NOUN
framr-4076	221	3	for	for	ADP
framr-4076	221	4	the	the	DET
framr-4076	221	5	goals	goal	NOUN
framr-4076	221	6	strengthen	strengthen	VERB
framr-4076	221	7	the	the	DET
framr-4076	221	8	means	mean	NOUN
framr-4076	221	9	of	of	ADP
framr-4076	221	10	implementation	implementation	NOUN
framr-4076	221	11	and	and	CCONJ
framr-4076	221	12	revitalize	revitalize	VERB
framr-4076	221	13	the	the	DET
framr-4076	221	14	global	global	ADJ
framr-4076	221	15	partnership	partnership	NOUN
framr-4076	221	16	for	for	ADP
framr-4076	221	17	sustainable	sustainable	ADJ
framr-4076	221	18	development	development	NOUN
framr-4076	221	19	.	.	PUNCT
framr-4076	222	1	2.3.2	2.3.2	NUM
framr-4076	222	2	.	.	X
framr-4076	222	3	contribution	contribution	NOUN
framr-4076	222	4	of	of	ADP
framr-4076	222	5	fintech	fintech	NOUN
framr-4076	222	6	in	in	ADP
framr-4076	222	7	achieving	achieve	VERB
framr-4076	222	8	sdgs	sdgs	ADJ
framr-4076	222	9	financial	financial	ADJ
framr-4076	222	10	technology	technology	NOUN
framr-4076	222	11	(	(	PUNCT
framr-4076	222	12	fintech	fintech	NOUN
framr-4076	222	13	)	)	PUNCT
framr-4076	222	14	has	have	AUX
framr-4076	222	15	played	play	VERB
framr-4076	222	16	a	a	DET
framr-4076	222	17	significant	significant	ADJ
framr-4076	222	18	role	role	NOUN
framr-4076	222	19	in	in	ADP
framr-4076	222	20	implementing	implement	VERB
framr-4076	222	21	the	the	DET
framr-4076	222	22	sustainable	sustainable	ADJ
framr-4076	222	23	development	development	NOUN
framr-4076	222	24	goals	goal	NOUN
framr-4076	222	25	since	since	SCONJ
framr-4076	222	26	it	it	PRON
framr-4076	222	27	focuses	focus	VERB
framr-4076	222	28	on	on	ADP
framr-4076	222	29	how	how	SCONJ
framr-4076	222	30	technology	technology	NOUN
framr-4076	222	31	can	can	AUX
framr-4076	222	32	be	be	AUX
framr-4076	222	33	used	use	VERB
framr-4076	222	34	to	to	PART
framr-4076	222	35	develop	develop	VERB
framr-4076	222	36	new	new	ADJ
framr-4076	222	37	solutions	solution	NOUN
framr-4076	222	38	to	to	ADP
framr-4076	222	39	economic	economic	ADJ
framr-4076	222	40	challenges	challenge	NOUN
framr-4076	222	41	,	,	PUNCT
framr-4076	222	42	contributing	contribute	VERB
framr-4076	222	43	to	to	ADP
framr-4076	222	44	economic	economic	ADJ
framr-4076	222	45	growth	growth	NOUN
framr-4076	222	46	,	,	PUNCT
framr-4076	222	47	financial	financial	ADJ
framr-4076	222	48	inclusion	inclusion	NOUN
framr-4076	222	49	,	,	PUNCT
framr-4076	222	50	and	and	CCONJ
framr-4076	222	51	promoting	promote	VERB
framr-4076	222	52	environmental	environmental	ADJ
framr-4076	222	53	conservation	conservation	NOUN
framr-4076	222	54	.	.	PUNCT
framr-4076	223	1	in	in	ADP
framr-4076	223	2	several	several	ADJ
framr-4076	223	3	areas	area	NOUN
framr-4076	223	4	,	,	PUNCT
framr-4076	223	5	such	such	ADJ
framr-4076	223	6	as	as	ADP
framr-4076	223	7	finance	finance	NOUN
framr-4076	223	8	,	,	PUNCT
framr-4076	223	9	climate	climate	NOUN
framr-4076	223	10	,	,	PUNCT
framr-4076	223	11	and	and	CCONJ
framr-4076	223	12	the	the	DET
framr-4076	223	13	economy	economy	NOUN
framr-4076	223	14	,	,	PUNCT
framr-4076	223	15	fintech	fintech	NOUN
framr-4076	223	16	can	can	AUX
framr-4076	223	17	help	help	VERB
framr-4076	223	18	create	create	VERB
framr-4076	223	19	an	an	DET
framr-4076	223	20	impact	impact	NOUN
framr-4076	223	21	on	on	ADP
framr-4076	223	22	the	the	DET
framr-4076	223	23	sdgs	sdgs	NOUN
framr-4076	223	24	.	.	PROPN
framr-4076	223	25	•	•	NUM
framr-4076	223	26	financial	financial	ADJ
framr-4076	223	27	inclusion	inclusion	NOUN
framr-4076	223	28	:	:	PUNCT
framr-4076	223	29	fintech	fintech	NOUN
framr-4076	223	30	drives	drive	VERB
framr-4076	223	31	innovation	innovation	NOUN
framr-4076	223	32	in	in	ADP
framr-4076	223	33	the	the	DET
framr-4076	223	34	delivery	delivery	NOUN
framr-4076	223	35	of	of	ADP
framr-4076	223	36	financial	financial	ADJ
framr-4076	223	37	services	service	NOUN
framr-4076	223	38	,	,	PUNCT
framr-4076	223	39	which	which	PRON
framr-4076	223	40	is	be	AUX
framr-4076	223	41	crucial	crucial	ADJ
framr-4076	223	42	for	for	ADP
framr-4076	223	43	eradicating	eradicate	VERB
framr-4076	223	44	poverty	poverty	NOUN
framr-4076	223	45	(	(	PUNCT
framr-4076	223	46	sdg	sdg	NOUN
framr-4076	223	47	1	1	NUM
framr-4076	223	48	)	)	PUNCT
framr-4076	223	49	and	and	CCONJ
framr-4076	223	50	creating	create	VERB
framr-4076	223	51	decent	decent	ADJ
framr-4076	223	52	jobs	job	NOUN
framr-4076	223	53	(	(	PUNCT
framr-4076	223	54	sdg	sdg	NOUN
framr-4076	223	55	8)	8)	NUM
framr-4076	223	56	.	.	PUNCT
framr-4076	224	1	due	due	ADP
framr-4076	224	2	to	to	ADP
framr-4076	224	3	the	the	DET
framr-4076	224	4	use	use	NOUN
framr-4076	224	5	of	of	ADP
framr-4076	224	6	technology	technology	NOUN
framr-4076	224	7	,	,	PUNCT
framr-4076	224	8	fintech	fintech	NOUN
framr-4076	224	9	firms	firm	NOUN
framr-4076	224	10	can	can	AUX
framr-4076	224	11	reach	reach	VERB
framr-4076	224	12	consumers	consumer	NOUN
framr-4076	224	13	in	in	ADP
framr-4076	224	14	areas	area	NOUN
framr-4076	224	15	that	that	PRON
framr-4076	224	16	traditional	traditional	ADJ
framr-4076	224	17	financial	financial	ADJ
framr-4076	224	18	institutions	institution	NOUN
framr-4076	224	19	can	can	AUX
framr-4076	224	20	not	not	PART
framr-4076	224	21	penetrate	penetrate	VERB
framr-4076	224	22	,	,	PUNCT
framr-4076	224	23	such	such	ADJ
framr-4076	224	24	as	as	ADP
framr-4076	224	25	rural	rural	ADJ
framr-4076	224	26	regions	region	NOUN
framr-4076	224	27	.	.	PUNCT
framr-4076	225	1	mobile	mobile	ADJ
framr-4076	225	2	banking	banking	NOUN
framr-4076	225	3	,	,	PUNCT
framr-4076	225	4	digital	digital	ADJ
framr-4076	225	5	wallets	wallet	NOUN
framr-4076	225	6	,	,	PUNCT
framr-4076	225	7	and	and	CCONJ
framr-4076	225	8	microfinancing	microfinancing	NOUN
framr-4076	225	9	are	be	AUX
framr-4076	225	10	excellent	excellent	ADJ
framr-4076	225	11	examples	example	NOUN
framr-4076	225	12	of	of	ADP
framr-4076	225	13	innovative	innovative	ADJ
framr-4076	225	14	fintech	fintech	NOUN
framr-4076	225	15	systems	system	NOUN
framr-4076	225	16	that	that	PRON
framr-4076	225	17	have	have	AUX
framr-4076	225	18	helped	help	VERB
framr-4076	225	19	bring	bring	VERB
framr-4076	225	20	financial	financial	ADJ
framr-4076	225	21	services	service	NOUN
framr-4076	225	22	to	to	ADP
framr-4076	225	23	millions	million	NOUN
framr-4076	225	24	worldwide	worldwide	ADV
framr-4076	225	25	.	.	PUNCT
framr-4076	226	1	for	for	ADP
framr-4076	226	2	example	example	NOUN
framr-4076	226	3	,	,	PUNCT
framr-4076	226	4	the	the	DET
framr-4076	226	5	mobile	mobile	ADJ
framr-4076	226	6	money	money	NOUN
framr-4076	226	7	service	service	PROPN
framr-4076	226	8	m	m	PROPN
framr-4076	226	9	-	-	NOUN
framr-4076	226	10	pesa	pesa	NOUN
framr-4076	226	11	,	,	PUNCT
framr-4076	226	12	developed	develop	VERB
framr-4076	226	13	in	in	ADP
framr-4076	226	14	kenya	kenya	PROPN
framr-4076	226	15	,	,	PUNCT
framr-4076	226	16	has	have	AUX
framr-4076	226	17	significantly	significantly	ADV
framr-4076	226	18	impacted	impact	VERB
framr-4076	226	19	financial	financial	ADJ
framr-4076	226	20	literacy	literacy	NOUN
framr-4076	226	21	.	.	PUNCT
framr-4076	227	1	by	by	ADP
framr-4076	227	2	2021	2021	NUM
framr-4076	227	3	,	,	PUNCT
framr-4076	227	4	m	m	NOUN
framr-4076	227	5	-	-	NOUN
framr-4076	227	6	pesa	pesa	NOUN
framr-4076	227	7	had	have	VERB
framr-4076	227	8	more	more	ADJ
framr-4076	227	9	than	than	ADP
framr-4076	227	10	50	50	NUM
framr-4076	227	11	million	million	NUM
framr-4076	227	12	users	user	NOUN
framr-4076	227	13	in	in	ADP
framr-4076	227	14	africa	africa	PROPN
framr-4076	227	15	,	,	PUNCT
framr-4076	227	16	enabling	enable	VERB
framr-4076	227	17	secure	secure	ADJ
framr-4076	227	18	and	and	CCONJ
framr-4076	227	19	easy	easy	ADJ
framr-4076	227	20	transactions	transaction	NOUN
framr-4076	227	21	,	,	PUNCT
framr-4076	227	22	as	as	ADV
framr-4076	227	23	well	well	ADV
framr-4076	227	24	as	as	ADP
framr-4076	227	25	savings	saving	NOUN
framr-4076	227	26	and	and	CCONJ
framr-4076	227	27	loans	loan	NOUN
framr-4076	227	28	(	(	PUNCT
framr-4076	227	29	safaricom	safaricom	NOUN
framr-4076	227	30	,	,	PUNCT
framr-4076	227	31	2021	2021	NUM
framr-4076	227	32	)	)	PUNCT
framr-4076	227	33	.	.	PUNCT
framr-4076	228	1	this	this	PRON
framr-4076	228	2	has	have	AUX
framr-4076	228	3	led	lead	VERB
framr-4076	228	4	to	to	ADP
framr-4076	228	5	a	a	DET
framr-4076	228	6	reduction	reduction	NOUN
framr-4076	228	7	in	in	ADP
framr-4076	228	8	poverty	poverty	NOUN
framr-4076	228	9	levels	level	NOUN
framr-4076	228	10	and	and	CCONJ
framr-4076	228	11	economic	economic	ADJ
framr-4076	228	12	stability	stability	NOUN
framr-4076	228	13	in	in	ADP
framr-4076	228	14	the	the	DET
framr-4076	228	15	region	region	NOUN
framr-4076	228	16	,	,	PUNCT
framr-4076	228	17	thereby	thereby	ADV
framr-4076	228	18	improving	improve	VERB
framr-4076	228	19	the	the	DET
framr-4076	228	20	standard	standard	NOUN
framr-4076	228	21	of	of	ADP
framr-4076	228	22	living	live	VERB
framr-4076	228	23	for	for	ADP
framr-4076	228	24	the	the	DET
framr-4076	228	25	people	people	NOUN
framr-4076	228	26	.	.	PUNCT
framr-4076	229	1	globally	globally	ADV
framr-4076	229	2	,	,	PUNCT
framr-4076	229	3	the	the	DET
framr-4076	229	4	world	world	PROPN
framr-4076	229	5	bank	bank	PROPN
framr-4076	229	6	(	(	PUNCT
framr-4076	229	7	2020	2020	NUM
framr-4076	229	8	)	)	PUNCT
framr-4076	229	9	reported	report	VERB
framr-4076	229	10	that	that	SCONJ
framr-4076	229	11	digital	digital	ADJ
framr-4076	229	12	financial	financial	ADJ
framr-4076	229	13	services	service	NOUN
framr-4076	229	14	could	could	AUX
framr-4076	229	15	potentially	potentially	ADV
framr-4076	229	16	contribute	contribute	VERB
framr-4076	229	17	to	to	ADP
framr-4076	229	18	a	a	DET
framr-4076	229	19	gdp	gdp	NOUN
framr-4076	229	20	boost	boost	NOUN
framr-4076	229	21	of	of	ADP
framr-4076	229	22	up	up	ADP
framr-4076	229	23	to	to	PART
framr-4076	229	24	6	6	NUM
framr-4076	229	25	%	%	NOUN
framr-4076	229	26	in	in	ADP
framr-4076	229	27	developing	develop	VERB
framr-4076	229	28	economies	economy	NOUN
framr-4076	229	29	by	by	ADP
framr-4076	229	30	2025	2025	NUM
framr-4076	229	31	,	,	PUNCT
framr-4076	229	32	clearly	clearly	ADV
framr-4076	229	33	showing	show	VERB
framr-4076	229	34	the	the	DET
framr-4076	229	35	power	power	NOUN
framr-4076	229	36	of	of	ADP
framr-4076	229	37	fintech	fintech	NOUN
framr-4076	229	38	to	to	PART
framr-4076	229	39	drive	drive	VERB
framr-4076	229	40	economic	economic	ADJ
framr-4076	229	41	growth	growth	NOUN
framr-4076	229	42	.	.	PUNCT
framr-4076	230	1	•	•	NUM
framr-4076	230	2	climate	climate	NOUN
framr-4076	230	3	action	action	NOUN
framr-4076	230	4	:	:	PUNCT
framr-4076	230	5	another	another	DET
framr-4076	230	6	benefit	benefit	NOUN
framr-4076	230	7	of	of	ADP
framr-4076	230	8	fintech	fintech	NOUN
framr-4076	230	9	is	be	AUX
framr-4076	230	10	that	that	SCONJ
framr-4076	230	11	it	it	PRON
framr-4076	230	12	can	can	AUX
framr-4076	230	13	help	help	VERB
framr-4076	230	14	finance	finance	VERB
framr-4076	230	15	climate	climate	NOUN
framr-4076	230	16	change	change	NOUN
framr-4076	230	17	mitigation	mitigation	NOUN
framr-4076	230	18	and	and	CCONJ
framr-4076	230	19	adaptation	adaptation	NOUN
framr-4076	230	20	measures	measure	NOUN
framr-4076	230	21	and	and	CCONJ
framr-4076	230	22	support	support	VERB
framr-4076	230	23	the	the	DET
framr-4076	230	24	shift	shift	NOUN
framr-4076	230	25	towards	towards	ADP
framr-4076	230	26	a	a	DET
framr-4076	230	27	low	low	ADJ
framr-4076	230	28	-	-	PUNCT
framr-4076	230	29	carbon	carbon	NOUN
framr-4076	230	30	economy	economy	NOUN
framr-4076	230	31	.	.	PUNCT
framr-4076	231	1	with	with	ADP
framr-4076	231	2	green	green	ADJ
framr-4076	231	3	bonds	bond	NOUN
framr-4076	231	4	,	,	PUNCT
framr-4076	231	5	carbon	carbon	NOUN
framr-4076	231	6	trading	trading	NOUN
framr-4076	231	7	,	,	PUNCT
framr-4076	231	8	and	and	CCONJ
framr-4076	231	9	crowdfunding	crowdfunde	VERB
framr-4076	231	10	for	for	ADP
framr-4076	231	11	renewable	renewable	ADJ
framr-4076	231	12	energy	energy	NOUN
framr-4076	231	13	projects	project	NOUN
framr-4076	231	14	,	,	PUNCT
framr-4076	231	15	fintech	fintech	NOUN
framr-4076	231	16	innovations	innovation	NOUN
framr-4076	231	17	enable	enable	VERB
framr-4076	231	18	organisations	organisation	NOUN
framr-4076	231	19	to	to	PART
framr-4076	231	20	source	source	VERB
framr-4076	231	21	capital	capital	NOUN
framr-4076	231	22	for	for	ADP
framr-4076	231	23	sustainable	sustainable	ADJ
framr-4076	231	24	development	development	NOUN
framr-4076	231	25	.	.	PUNCT
framr-4076	232	1	for	for	ADP
framr-4076	232	2	instance	instance	NOUN
framr-4076	232	3	,	,	PUNCT
framr-4076	232	4	green	green	ADJ
framr-4076	232	5	bonds	bond	NOUN
framr-4076	232	6	,	,	PUNCT
framr-4076	232	7	fixed	fix	VERB
framr-4076	232	8	-	-	PUNCT
framr-4076	232	9	income	income	NOUN
framr-4076	232	10	financial	financial	ADJ
framr-4076	232	11	instruments	instrument	NOUN
framr-4076	232	12	designed	design	VERB
framr-4076	232	13	to	to	PART
framr-4076	232	14	finance	finance	VERB
framr-4076	232	15	environmentally	environmentally	ADV
framr-4076	232	16	sustainable	sustainable	ADJ
framr-4076	232	17	projects	project	NOUN
framr-4076	232	18	,	,	PUNCT
framr-4076	232	19	have	have	AUX
framr-4076	232	20	grown	grow	VERB
framr-4076	232	21	in	in	ADP
framr-4076	232	22	popularity	popularity	NOUN
framr-4076	232	23	.	.	PUNCT
framr-4076	233	1	the	the	DET
framr-4076	233	2	climate	climate	NOUN
framr-4076	233	3	bonds	bond	NOUN
framr-4076	233	4	initiative	initiative	NOUN
framr-4076	233	5	(	(	PUNCT
framr-4076	233	6	2022	2022	NUM
framr-4076	233	7	)	)	PUNCT
framr-4076	233	8	explains	explain	VERB
framr-4076	233	9	that	that	SCONJ
framr-4076	233	10	global	global	ADJ
framr-4076	233	11	green	green	ADJ
framr-4076	233	12	bond	bond	NOUN
framr-4076	233	13	issuance	issuance	NOUN
framr-4076	233	14	was	be	AUX
framr-4076	233	15	recorded	record	VERB
framr-4076	233	16	at	at	ADP
framr-4076	233	17	$	$	SYM
framr-4076	233	18	517.4	517.4	NUM
framr-4076	233	19	billion	billion	NUM
framr-4076	233	20	in	in	ADP
framr-4076	233	21	2021	2021	NUM
framr-4076	233	22	,	,	PUNCT
framr-4076	233	23	an	an	DET
framr-4076	233	24	improvement	improvement	NOUN
framr-4076	233	25	of	of	ADP
framr-4076	233	26	49	49	NUM
framr-4076	233	27	%	%	NOUN
framr-4076	233	28	from	from	ADP
framr-4076	233	29	the	the	DET
framr-4076	233	30	previous	previous	ADJ
framr-4076	233	31	year	year	NOUN
framr-4076	233	32	’s	’s	PART
framr-4076	233	33	figure	figure	NOUN
framr-4076	233	34	.	.	PUNCT
framr-4076	234	1	through	through	ADP
framr-4076	234	2	the	the	DET
framr-4076	234	3	issuance	issuance	NOUN
framr-4076	234	4	and	and	CCONJ
framr-4076	234	5	trading	trading	NOUN
framr-4076	234	6	of	of	ADP
framr-4076	234	7	green	green	ADJ
framr-4076	234	8	bonds	bond	NOUN
framr-4076	234	9	,	,	PUNCT
framr-4076	234	10	fintech	fintech	NOUN
framr-4076	234	11	platforms	platform	NOUN
framr-4076	234	12	help	help	VERB
framr-4076	234	13	investors	investor	NOUN
framr-4076	234	14	contribute	contribute	VERB
framr-4076	234	15	to	to	ADP
framr-4076	234	16	projects	project	NOUN
framr-4076	234	17	aligned	align	VERB
framr-4076	234	18	with	with	ADP
framr-4076	234	19	sdg	sdg	NOUN
framr-4076	234	20	13	13	NUM
framr-4076	234	21	,	,	PUNCT
framr-4076	234	22	such	such	ADJ
framr-4076	234	23	as	as	ADP
framr-4076	234	24	renewable	renewable	ADJ
framr-4076	234	25	energy	energy	NOUN
framr-4076	234	26	,	,	PUNCT
framr-4076	234	27	energy	energy	NOUN
framr-4076	234	28	efficiency	efficiency	NOUN
framr-4076	234	29	,	,	PUNCT
framr-4076	234	30	and	and	CCONJ
framr-4076	234	31	efficient	efficient	ADJ
framr-4076	234	32	transportation	transportation	NOUN
framr-4076	234	33	.	.	PUNCT
framr-4076	235	1	furthermore	furthermore	ADV
framr-4076	235	2	,	,	PUNCT
framr-4076	235	3	the	the	DET
framr-4076	235	4	study	study	NOUN
framr-4076	235	5	reveals	reveal	VERB
framr-4076	235	6	that	that	SCONJ
framr-4076	235	7	fintech	fintech	NOUN
framr-4076	235	8	can	can	AUX
framr-4076	235	9	also	also	ADV
framr-4076	235	10	improve	improve	VERB
framr-4076	235	11	transparency	transparency	NOUN
framr-4076	235	12	and	and	CCONJ
framr-4076	235	13	accountability	accountability	NOUN
framr-4076	235	14	in	in	ADP
framr-4076	235	15	carbon	carbon	NOUN
framr-4076	235	16	markets	market	NOUN
framr-4076	235	17	through	through	ADP
framr-4076	235	18	the	the	DET
framr-4076	235	19	application	application	NOUN
framr-4076	235	20	of	of	ADP
framr-4076	235	21	blockchain	blockchain	PROPN
framr-4076	235	22	technology	technology	PROPN
framr-4076	235	23	.	.	PUNCT
framr-4076	236	1	this	this	DET
framr-4076	236	2	technology	technology	NOUN
framr-4076	236	3	can	can	AUX
framr-4076	236	4	be	be	AUX
framr-4076	236	5	used	use	VERB
framr-4076	236	6	to	to	PART
framr-4076	236	7	design	design	VERB
framr-4076	236	8	ledgers	ledger	NOUN
framr-4076	236	9	of	of	ADP
framr-4076	236	10	carbon	carbon	NOUN
framr-4076	236	11	credits	credit	NOUN
framr-4076	236	12	that	that	PRON
framr-4076	236	13	are	be	AUX
framr-4076	236	14	resistant	resistant	ADJ
framr-4076	236	15	to	to	ADP
framr-4076	236	16	tampering	tamper	VERB
framr-4076	236	17	and	and	CCONJ
framr-4076	236	18	misinformation	misinformation	NOUN
framr-4076	236	19	about	about	ADP
framr-4076	236	20	emissions	emission	NOUN
framr-4076	236	21	reduction	reduction	NOUN
framr-4076	236	22	.	.	PUNCT
framr-4076	237	1	this	this	PRON
framr-4076	237	2	can	can	AUX
framr-4076	237	3	help	help	VERB
framr-4076	237	4	curb	curb	VERB
framr-4076	237	5	greenwashing	greenwashing	NOUN
framr-4076	237	6	,	,	PUNCT
framr-4076	237	7	as	as	SCONJ
framr-4076	237	8	the	the	DET
framr-4076	237	9	public	public	NOUN
framr-4076	237	10	can	can	AUX
framr-4076	237	11	easily	easily	ADV
framr-4076	237	12	verify	verify	VERB
framr-4076	237	13	the	the	DET
framr-4076	237	14	environmental	environmental	ADJ
framr-4076	237	15	claims	claim	NOUN
framr-4076	237	16	made	make	VERB
framr-4076	237	17	by	by	ADP
framr-4076	237	18	companies	company	NOUN
framr-4076	237	19	.	.	PUNCT
framr-4076	238	1	•	•	NUM
framr-4076	238	2	sustainable	sustainable	ADJ
framr-4076	238	3	economic	economic	ADJ
framr-4076	238	4	growth	growth	NOUN
framr-4076	238	5	:	:	PUNCT
framr-4076	238	6	by	by	ADP
framr-4076	238	7	proactively	proactively	ADV
framr-4076	238	8	encouraging	encourage	VERB
framr-4076	238	9	the	the	DET
framr-4076	238	10	opening	opening	NOUN
framr-4076	238	11	of	of	ADP
framr-4076	238	12	financial	financial	ADJ
framr-4076	238	13	markets	market	NOUN
framr-4076	238	14	,	,	PUNCT
framr-4076	238	15	participating	participate	VERB
framr-4076	238	16	in	in	ADP
framr-4076	238	17	,	,	PUNCT
framr-4076	238	18	and	and	CCONJ
framr-4076	238	19	promoting	promote	VERB
framr-4076	238	20	non	non	ADJ
framr-4076	238	21	-	-	ADJ
framr-4076	238	22	traditional	traditional	ADJ
framr-4076	238	23	financial	financial	ADJ
framr-4076	238	24	innovation	innovation	NOUN
framr-4076	238	25	,	,	PUNCT
framr-4076	238	26	fintech	fintech	NOUN
framr-4076	238	27	enables	enable	VERB
framr-4076	238	28	the	the	DET
framr-4076	238	29	construction	construction	NOUN
framr-4076	238	30	of	of	ADP
framr-4076	238	31	sustainable	sustainable	ADJ
framr-4076	238	32	and	and	CCONJ
framr-4076	238	33	efficient	efficient	ADJ
framr-4076	238	34	economic	economic	ADJ
framr-4076	238	35	structures	structure	NOUN
framr-4076	238	36	.	.	PUNCT
framr-4076	239	1	by	by	ADP
framr-4076	239	2	lowering	lower	VERB
framr-4076	239	3	the	the	DET
framr-4076	239	4	cost	cost	NOUN
framr-4076	239	5	of	of	ADP
framr-4076	239	6	transactions	transaction	NOUN
framr-4076	239	7	,	,	PUNCT
framr-4076	239	8	enhancing	enhance	VERB
framr-4076	239	9	credit	credit	NOUN
framr-4076	239	10	availability	availability	NOUN
framr-4076	239	11	,	,	PUNCT
framr-4076	239	12	and	and	CCONJ
framr-4076	239	13	financial	financial	ADJ
framr-4076	239	14	risk	risk	NOUN
framr-4076	239	15	and	and	CCONJ
framr-4076	239	16	management	management	NOUN
framr-4076	239	17	reviews	review	NOUN
framr-4076	239	18	,	,	PUNCT
framr-4076	239	19	2025	2025	NUM
framr-4076	239	20	,	,	PUNCT
framr-4076	239	21	11(1	11(1	NUM
framr-4076	239	22	):	):	PUNCT
framr-4076	239	23	37	37	NUM
framr-4076	239	24	-	-	SYM
framr-4076	239	25	71	71	NUM
framr-4076	239	26	46	46	NUM
framr-4076	239	27	©	©	PROPN
framr-4076	239	28	2025	2025	NUM
framr-4076	239	29	conscientia	conscientia	PROPN
framr-4076	239	30	beam	beam	PROPN
framr-4076	239	31	.	.	PUNCT
framr-4076	240	1	all	all	DET
framr-4076	240	2	rights	right	NOUN
framr-4076	240	3	reserved	reserve	VERB
framr-4076	240	4	.	.	PUNCT
framr-4076	241	1	promoting	promote	VERB
framr-4076	241	2	superior	superior	ADJ
framr-4076	241	3	resource	resource	NOUN
framr-4076	241	4	mobilisation	mobilisation	NOUN
framr-4076	241	5	,	,	PUNCT
framr-4076	241	6	fintech	fintech	NOUN
framr-4076	241	7	might	might	AUX
framr-4076	241	8	help	help	VERB
framr-4076	241	9	build	build	VERB
framr-4076	241	10	sound	sound	ADJ
framr-4076	241	11	physical	physical	ADJ
framr-4076	241	12	infrastructure	infrastructure	NOUN
framr-4076	241	13	and	and	CCONJ
framr-4076	241	14	sustainable	sustainable	ADJ
framr-4076	241	15	industries	industry	NOUN
framr-4076	241	16	.	.	PUNCT
framr-4076	242	1	if	if	SCONJ
framr-4076	242	2	we	we	PRON
framr-4076	242	3	take	take	VERB
framr-4076	242	4	the	the	DET
framr-4076	242	5	example	example	NOUN
framr-4076	242	6	of	of	ADP
framr-4076	242	7	sdg	sdg	NOUN
framr-4076	242	8	9	9	NUM
framr-4076	242	9	(	(	PUNCT
framr-4076	242	10	industry	industry	NOUN
framr-4076	242	11	,	,	PUNCT
framr-4076	242	12	innovation	innovation	NOUN
framr-4076	242	13	,	,	PUNCT
framr-4076	242	14	and	and	CCONJ
framr-4076	242	15	infrastructure	infrastructure	NOUN
framr-4076	242	16	)	)	PUNCT
framr-4076	242	17	,	,	PUNCT
framr-4076	242	18	fintech	fintech	NOUN
framr-4076	242	19	has	have	AUX
framr-4076	242	20	offered	offer	VERB
framr-4076	242	21	the	the	DET
framr-4076	242	22	p2p	p2p	NOUN
framr-4076	242	23	lending	lending	NOUN
framr-4076	242	24	platform	platform	NOUN
framr-4076	242	25	to	to	PART
framr-4076	242	26	fund	fund	VERB
framr-4076	242	27	small	small	ADJ
framr-4076	242	28	and	and	CCONJ
framr-4076	242	29	medium	medium	ADJ
framr-4076	242	30	enterprises	enterprise	NOUN
framr-4076	242	31	(	(	PUNCT
framr-4076	242	32	smes	sme	NOUN
framr-4076	242	33	)	)	PUNCT
framr-4076	242	34	.	.	PUNCT
framr-4076	243	1	smes	sme	NOUN
framr-4076	243	2	are	be	AUX
framr-4076	243	3	a	a	DET
framr-4076	243	4	significant	significant	ADJ
framr-4076	243	5	source	source	NOUN
framr-4076	243	6	of	of	ADP
framr-4076	243	7	employment	employment	NOUN
framr-4076	243	8	and	and	CCONJ
framr-4076	243	9	economic	economic	ADJ
framr-4076	243	10	growth	growth	NOUN
framr-4076	243	11	,	,	PUNCT
framr-4076	243	12	especially	especially	ADV
framr-4076	243	13	in	in	ADP
framr-4076	243	14	the	the	DET
framr-4076	243	15	developing	develop	VERB
framr-4076	243	16	world	world	NOUN
framr-4076	243	17	.	.	PUNCT
framr-4076	244	1	however	however	ADV
framr-4076	244	2	,	,	PUNCT
framr-4076	244	3	they	they	PRON
framr-4076	244	4	need	need	VERB
framr-4076	244	5	help	help	VERB
framr-4076	244	6	accessing	access	VERB
framr-4076	244	7	formal	formal	ADJ
framr-4076	244	8	sources	source	NOUN
framr-4076	244	9	of	of	ADP
framr-4076	244	10	financing	financing	NOUN
framr-4076	244	11	with	with	ADP
framr-4076	244	12	collateral	collateral	NOUN
framr-4076	244	13	or	or	CCONJ
framr-4076	244	14	credit	credit	NOUN
framr-4076	244	15	histories	history	NOUN
framr-4076	244	16	.	.	PUNCT
framr-4076	245	1	funding	fund	VERB
framr-4076	245	2	circle	circle	NOUN
framr-4076	245	3	and	and	CCONJ
framr-4076	245	4	prosper	prosper	NOUN
framr-4076	245	5	are	be	AUX
framr-4076	245	6	two	two	NUM
framr-4076	245	7	peer	peer	NOUN
framr-4076	245	8	-	-	PUNCT
framr-4076	245	9	to	to	ADP
framr-4076	245	10	-	-	PUNCT
framr-4076	245	11	peer	peer	NOUN
framr-4076	245	12	lending	lending	NOUN
framr-4076	245	13	firms	firm	NOUN
framr-4076	245	14	that	that	PRON
framr-4076	245	15	offer	offer	VERB
framr-4076	245	16	a	a	DET
framr-4076	245	17	solution	solution	NOUN
framr-4076	245	18	to	to	ADP
framr-4076	245	19	this	this	DET
framr-4076	245	20	issue	issue	NOUN
framr-4076	245	21	by	by	ADP
framr-4076	245	22	allowing	allow	VERB
framr-4076	245	23	smes	sme	NOUN
framr-4076	245	24	to	to	PART
framr-4076	245	25	borrow	borrow	VERB
framr-4076	245	26	from	from	ADP
framr-4076	245	27	individual	individual	ADJ
framr-4076	245	28	investors	investor	NOUN
framr-4076	245	29	,	,	PUNCT
framr-4076	245	30	thus	thus	ADV
framr-4076	245	31	obtaining	obtain	VERB
framr-4076	245	32	the	the	DET
framr-4076	245	33	capital	capital	NOUN
framr-4076	245	34	needed	need	VERB
framr-4076	245	35	for	for	ADP
framr-4076	245	36	expansion	expansion	NOUN
framr-4076	245	37	.	.	PUNCT
framr-4076	246	1	fintech	fintech	NOUN
framr-4076	246	2	's	's	PART
framr-4076	246	3	influence	influence	NOUN
framr-4076	246	4	extends	extend	VERB
framr-4076	246	5	to	to	ADP
framr-4076	246	6	promoting	promote	VERB
framr-4076	246	7	responsible	responsible	ADJ
framr-4076	246	8	consumption	consumption	NOUN
framr-4076	246	9	and	and	CCONJ
framr-4076	246	10	production	production	NOUN
framr-4076	246	11	,	,	PUNCT
framr-4076	246	12	aligning	align	VERB
framr-4076	246	13	with	with	ADP
framr-4076	246	14	sdg	sdg	NOUN
framr-4076	246	15	12	12	NUM
framr-4076	246	16	.	.	PUNCT
framr-4076	247	1	by	by	ADP
framr-4076	247	2	providing	provide	VERB
framr-4076	247	3	consumers	consumer	NOUN
framr-4076	247	4	with	with	ADP
framr-4076	247	5	tools	tool	NOUN
framr-4076	247	6	that	that	PRON
framr-4076	247	7	offer	offer	VERB
framr-4076	247	8	immediate	immediate	ADJ
framr-4076	247	9	information	information	NOUN
framr-4076	247	10	about	about	ADP
framr-4076	247	11	the	the	DET
framr-4076	247	12	carbon	carbon	NOUN
framr-4076	247	13	footprint	footprint	NOUN
framr-4076	247	14	of	of	ADP
framr-4076	247	15	products	product	NOUN
framr-4076	247	16	,	,	PUNCT
framr-4076	247	17	fintech	fintech	NOUN
framr-4076	247	18	empowers	empower	VERB
framr-4076	247	19	them	they	PRON
framr-4076	247	20	to	to	PART
framr-4076	247	21	make	make	VERB
framr-4076	247	22	informed	informed	ADJ
framr-4076	247	23	decisions	decision	NOUN
framr-4076	247	24	.	.	PUNCT
framr-4076	248	1	furthermore	furthermore	ADV
framr-4076	248	2	,	,	PUNCT
framr-4076	248	3	fintech	fintech	NOUN
framr-4076	248	4	's	's	PART
framr-4076	248	5	role	role	NOUN
framr-4076	248	6	in	in	ADP
framr-4076	248	7	financing	financing	NOUN
framr-4076	248	8	businesses	business	NOUN
framr-4076	248	9	that	that	PRON
framr-4076	248	10	focus	focus	VERB
framr-4076	248	11	on	on	ADP
framr-4076	248	12	recycling	recycling	NOUN
framr-4076	248	13	,	,	PUNCT
framr-4076	248	14	reuse	reuse	NOUN
framr-4076	248	15	,	,	PUNCT
framr-4076	248	16	and	and	CCONJ
framr-4076	248	17	waste	waste	NOUN
framr-4076	248	18	minimisation	minimisation	NOUN
framr-4076	248	19	contributes	contribute	VERB
framr-4076	248	20	to	to	ADP
framr-4076	248	21	the	the	DET
framr-4076	248	22	development	development	NOUN
framr-4076	248	23	of	of	ADP
framr-4076	248	24	the	the	DET
framr-4076	248	25	circular	circular	ADJ
framr-4076	248	26	economy	economy	NOUN
framr-4076	248	27	.	.	PUNCT
framr-4076	249	1	table	table	NOUN
framr-4076	249	2	3	3	NUM
framr-4076	249	3	shows	show	VERB
framr-4076	249	4	some	some	DET
framr-4076	249	5	sdgs	sdgs	NOUN
framr-4076	249	6	that	that	PRON
framr-4076	249	7	can	can	AUX
framr-4076	249	8	be	be	AUX
framr-4076	249	9	contributed	contribute	VERB
framr-4076	249	10	to	to	ADP
framr-4076	249	11	with	with	ADP
framr-4076	249	12	the	the	DET
framr-4076	249	13	help	help	NOUN
framr-4076	249	14	of	of	ADP
framr-4076	249	15	fintech	fintech	NOUN
framr-4076	249	16	solutions	solution	NOUN
framr-4076	249	17	.	.	PUNCT
framr-4076	250	1	table	table	NOUN
framr-4076	250	2	3	3	NUM
framr-4076	250	3	.	.	X
framr-4076	250	4	contribution	contribution	NOUN
framr-4076	250	5	of	of	ADP
framr-4076	250	6	fintech	fintech	NOUN
framr-4076	250	7	to	to	ADP
framr-4076	250	8	selected	select	VERB
framr-4076	250	9	sdgs	sdgs	PROPN
framr-4076	250	10	.	.	PUNCT
framr-4076	250	11	sdg	sdg	PROPN
framr-4076	250	12	fintech	fintech	NOUN
framr-4076	250	13	contribution	contribution	NOUN
framr-4076	250	14	examples	example	NOUN
framr-4076	250	15	sdg	sdg	NOUN
framr-4076	250	16	1	1	NUM
framr-4076	250	17	:	:	PUNCT
framr-4076	250	18	no	no	DET
framr-4076	250	19	poverty	poverty	NOUN
framr-4076	250	20	promotes	promote	VERB
framr-4076	250	21	financial	financial	ADJ
framr-4076	250	22	inclusion	inclusion	NOUN
framr-4076	250	23	by	by	ADP
framr-4076	250	24	providing	provide	VERB
framr-4076	250	25	access	access	NOUN
framr-4076	250	26	to	to	ADP
framr-4076	250	27	financial	financial	ADJ
framr-4076	250	28	services	service	NOUN
framr-4076	250	29	for	for	ADP
framr-4076	250	30	underserved	underserved	ADJ
framr-4076	250	31	populations	population	NOUN
framr-4076	250	32	.	.	PUNCT
framr-4076	251	1	m	m	PROPN
framr-4076	251	2	-	-	PUNCT
framr-4076	251	3	pesa	pesa	NOUN
framr-4076	251	4	,	,	PUNCT
framr-4076	251	5	microfinance	microfinance	NOUN
framr-4076	251	6	platforms	platform	NOUN
framr-4076	251	7	sdg	sdg	NOUN
framr-4076	251	8	7	7	NUM
framr-4076	251	9	:	:	PUNCT
framr-4076	251	10	affordable	affordable	ADJ
framr-4076	251	11	and	and	CCONJ
framr-4076	251	12	clean	clean	ADJ
framr-4076	251	13	energy	energy	NOUN
framr-4076	251	14	facilitates	facilitate	VERB
framr-4076	251	15	investment	investment	NOUN
framr-4076	251	16	in	in	ADP
framr-4076	251	17	renewable	renewable	ADJ
framr-4076	251	18	energy	energy	NOUN
framr-4076	251	19	projects	project	NOUN
framr-4076	251	20	through	through	ADP
framr-4076	251	21	green	green	ADJ
framr-4076	251	22	bonds	bond	NOUN
framr-4076	251	23	and	and	CCONJ
framr-4076	251	24	crowdfunding	crowdfunding	NOUN
framr-4076	251	25	platforms	platform	NOUN
framr-4076	251	26	.	.	PUNCT
framr-4076	252	1	green	green	ADJ
framr-4076	252	2	bonds	bond	NOUN
framr-4076	252	3	,	,	PUNCT
framr-4076	252	4	renewable	renewable	ADJ
framr-4076	252	5	energy	energy	NOUN
framr-4076	252	6	crowdfunding	crowdfunding	NOUN
framr-4076	252	7	sdg	sdg	NOUN
framr-4076	252	8	8	8	NUM
framr-4076	252	9	:	:	PUNCT
framr-4076	252	10	decent	decent	ADJ
framr-4076	252	11	work	work	NOUN
framr-4076	252	12	and	and	CCONJ
framr-4076	252	13	economic	economic	ADJ
framr-4076	252	14	growth	growth	NOUN
framr-4076	252	15	supports	support	VERB
framr-4076	252	16	economic	economic	ADJ
framr-4076	252	17	growth	growth	NOUN
framr-4076	252	18	by	by	ADP
framr-4076	252	19	providing	provide	VERB
framr-4076	252	20	access	access	NOUN
framr-4076	252	21	to	to	ADP
framr-4076	252	22	credit	credit	NOUN
framr-4076	252	23	for	for	ADP
framr-4076	252	24	smes	sme	NOUN
framr-4076	252	25	and	and	CCONJ
framr-4076	252	26	enabling	enable	VERB
framr-4076	252	27	more	more	ADV
framr-4076	252	28	efficient	efficient	ADJ
framr-4076	252	29	financial	financial	ADJ
framr-4076	252	30	transactions	transaction	NOUN
framr-4076	252	31	.	.	PUNCT
framr-4076	253	1	p2p	p2p	NOUN
framr-4076	253	2	lending	lending	NOUN
framr-4076	253	3	platforms	platform	NOUN
framr-4076	253	4	like	like	ADP
framr-4076	253	5	funding	fund	VERB
framr-4076	253	6	circle	circle	NOUN
framr-4076	253	7	sdg	sdg	NOUN
framr-4076	253	8	9	9	NUM
framr-4076	253	9	:	:	PUNCT
framr-4076	253	10	industry	industry	NOUN
framr-4076	253	11	,	,	PUNCT
framr-4076	253	12	innovation	innovation	NOUN
framr-4076	253	13	,	,	PUNCT
framr-4076	253	14	and	and	CCONJ
framr-4076	253	15	infrastructure	infrastructure	NOUN
framr-4076	253	16	drives	drive	VERB
framr-4076	253	17	innovation	innovation	NOUN
framr-4076	253	18	in	in	ADP
framr-4076	253	19	financial	financial	ADJ
framr-4076	253	20	services	service	NOUN
framr-4076	253	21	,	,	PUNCT
framr-4076	253	22	reducing	reduce	VERB
framr-4076	253	23	transaction	transaction	NOUN
framr-4076	253	24	costs	cost	NOUN
framr-4076	253	25	,	,	PUNCT
framr-4076	253	26	and	and	CCONJ
framr-4076	253	27	improving	improve	VERB
framr-4076	253	28	resource	resource	NOUN
framr-4076	253	29	allocation	allocation	NOUN
framr-4076	253	30	.	.	PUNCT
framr-4076	254	1	blockchain	blockchain	PROPN
framr-4076	254	2	technology	technology	PROPN
framr-4076	254	3	,	,	PUNCT
framr-4076	254	4	insuretech	insuretech	NOUN
framr-4076	254	5	for	for	ADP
framr-4076	254	6	resilience	resilience	NOUN
framr-4076	254	7	sdg	sdg	NOUN
framr-4076	254	8	12	12	NUM
framr-4076	254	9	:	:	PUNCT
framr-4076	254	10	responsible	responsible	ADJ
framr-4076	254	11	consumption	consumption	NOUN
framr-4076	254	12	and	and	CCONJ
framr-4076	254	13	production	production	NOUN
framr-4076	254	14	enables	enable	VERB
framr-4076	254	15	consumers	consumer	NOUN
framr-4076	254	16	to	to	PART
framr-4076	254	17	make	make	VERB
framr-4076	254	18	informed	informed	ADJ
framr-4076	254	19	choices	choice	NOUN
framr-4076	254	20	by	by	ADP
framr-4076	254	21	providing	provide	VERB
framr-4076	254	22	transparency	transparency	NOUN
framr-4076	254	23	on	on	ADP
framr-4076	254	24	the	the	DET
framr-4076	254	25	environmental	environmental	ADJ
framr-4076	254	26	impact	impact	NOUN
framr-4076	254	27	of	of	ADP
framr-4076	254	28	products	product	NOUN
framr-4076	254	29	and	and	CCONJ
framr-4076	254	30	services	service	NOUN
framr-4076	254	31	.	.	PUNCT
framr-4076	255	1	supports	support	VERB
framr-4076	255	2	the	the	DET
framr-4076	255	3	circular	circular	ADJ
framr-4076	255	4	economy	economy	NOUN
framr-4076	255	5	by	by	ADP
framr-4076	255	6	financing	finance	VERB
framr-4076	255	7	sustainable	sustainable	ADJ
framr-4076	255	8	businesses	business	NOUN
framr-4076	255	9	.	.	PUNCT
framr-4076	256	1	digital	digital	ADJ
framr-4076	256	2	platforms	platform	NOUN
framr-4076	256	3	for	for	ADP
framr-4076	256	4	sustainable	sustainable	ADJ
framr-4076	256	5	consumption	consumption	NOUN
framr-4076	256	6	sdg	sdg	NOUN
framr-4076	256	7	13	13	NUM
framr-4076	256	8	:	:	PUNCT
framr-4076	256	9	climate	climate	NOUN
framr-4076	256	10	action	action	NOUN
framr-4076	256	11	enhances	enhance	VERB
framr-4076	256	12	transparency	transparency	NOUN
framr-4076	256	13	in	in	ADP
framr-4076	256	14	carbon	carbon	NOUN
framr-4076	256	15	markets	market	NOUN
framr-4076	256	16	through	through	ADP
framr-4076	256	17	blockchain	blockchain	PROPN
framr-4076	256	18	technology	technology	NOUN
framr-4076	256	19	,	,	PUNCT
framr-4076	256	20	and	and	CCONJ
framr-4076	256	21	mobilizes	mobilize	VERB
framr-4076	256	22	capital	capital	NOUN
framr-4076	256	23	for	for	ADP
framr-4076	256	24	climate	climate	NOUN
framr-4076	256	25	action	action	NOUN
framr-4076	256	26	through	through	ADP
framr-4076	256	27	green	green	ADJ
framr-4076	256	28	finance	finance	NOUN
framr-4076	256	29	instruments	instrument	NOUN
framr-4076	256	30	.	.	PUNCT
framr-4076	257	1	carbon	carbon	NOUN
framr-4076	257	2	trading	trading	NOUN
framr-4076	257	3	platforms	platform	NOUN
framr-4076	257	4	,	,	PUNCT
framr-4076	257	5	climate	climate	NOUN
framr-4076	257	6	bonds	bond	NOUN
framr-4076	257	7	although	although	SCONJ
framr-4076	257	8	fintech	fintech	NOUN
framr-4076	257	9	can	can	AUX
framr-4076	257	10	be	be	AUX
framr-4076	257	11	a	a	DET
framr-4076	257	12	game	game	NOUN
framr-4076	257	13	changer	changer	NOUN
framr-4076	257	14	in	in	ADP
framr-4076	257	15	implementing	implement	VERB
framr-4076	257	16	the	the	DET
framr-4076	257	17	sdgs	sdgs	NOUN
framr-4076	257	18	,	,	PUNCT
framr-4076	257	19	we	we	PRON
framr-4076	257	20	need	need	VERB
framr-4076	257	21	to	to	PART
framr-4076	257	22	cautiously	cautiously	ADV
framr-4076	257	23	examine	examine	VERB
framr-4076	257	24	its	its	PRON
framr-4076	257	25	associated	associated	ADJ
framr-4076	257	26	risks	risk	NOUN
framr-4076	257	27	and	and	CCONJ
framr-4076	257	28	challenges	challenge	NOUN
framr-4076	257	29	.	.	PUNCT
framr-4076	258	1	the	the	DET
framr-4076	258	2	most	most	ADV
framr-4076	258	3	important	important	ADJ
framr-4076	258	4	fear	fear	NOUN
framr-4076	258	5	is	be	AUX
framr-4076	258	6	that	that	SCONJ
framr-4076	258	7	fintech	fintech	NOUN
framr-4076	258	8	services	service	NOUN
framr-4076	258	9	may	may	AUX
framr-4076	258	10	create	create	VERB
framr-4076	258	11	inequities	inequity	NOUN
framr-4076	258	12	rather	rather	ADV
framr-4076	258	13	than	than	ADP
framr-4076	258	14	reduce	reduce	VERB
framr-4076	258	15	them	they	PRON
framr-4076	258	16	.	.	PUNCT
framr-4076	259	1	despite	despite	SCONJ
framr-4076	259	2	progress	progress	NOUN
framr-4076	259	3	on	on	ADP
framr-4076	259	4	financial	financial	ADJ
framr-4076	259	5	inclusion	inclusion	NOUN
framr-4076	259	6	,	,	PUNCT
framr-4076	259	7	as	as	ADP
framr-4076	259	8	in	in	ADP
framr-4076	259	9	the	the	DET
framr-4076	259	10	case	case	NOUN
framr-4076	259	11	of	of	ADP
framr-4076	259	12	mobile	mobile	ADJ
framr-4076	259	13	banking	banking	NOUN
framr-4076	259	14	services	service	NOUN
framr-4076	259	15	,	,	PUNCT
framr-4076	259	16	which	which	PRON
framr-4076	259	17	allow	allow	VERB
framr-4076	259	18	people	people	NOUN
framr-4076	259	19	who	who	PRON
framr-4076	259	20	live	live	VERB
framr-4076	259	21	far	far	ADV
framr-4076	259	22	from	from	ADP
framr-4076	259	23	physical	physical	ADJ
framr-4076	259	24	branches	branch	NOUN
framr-4076	259	25	to	to	PART
framr-4076	259	26	access	access	VERB
framr-4076	259	27	needed	need	VERB
framr-4076	259	28	services	service	NOUN
framr-4076	259	29	,	,	PUNCT
framr-4076	259	30	digital	digital	ADJ
framr-4076	259	31	divides	divide	NOUN
framr-4076	259	32	remain	remain	VERB
framr-4076	259	33	.	.	PUNCT
framr-4076	260	1	this	this	DET
framr-4076	260	2	divide	divide	NOUN
framr-4076	260	3	is	be	AUX
framr-4076	260	4	key	key	ADJ
framr-4076	260	5	to	to	ADP
framr-4076	260	6	ensuring	ensure	VERB
framr-4076	260	7	fintech	fintech	NOUN
framr-4076	260	8	delivers	deliver	VERB
framr-4076	260	9	widespread	widespread	ADJ
framr-4076	260	10	good	good	ADJ
framr-4076	260	11	.	.	PUNCT
framr-4076	261	1	with	with	ADP
framr-4076	261	2	the	the	DET
framr-4076	261	3	rapid	rapid	ADJ
framr-4076	261	4	growth	growth	NOUN
framr-4076	261	5	of	of	ADP
framr-4076	261	6	fintech	fintech	NOUN
framr-4076	261	7	,	,	PUNCT
framr-4076	261	8	there	there	PRON
framr-4076	261	9	have	have	AUX
framr-4076	261	10	also	also	ADV
framr-4076	261	11	been	be	AUX
framr-4076	261	12	worries	worry	NOUN
framr-4076	261	13	raised	raise	VERB
framr-4076	261	14	on	on	ADP
framr-4076	261	15	greenwashing	greenwashing	NOUN
framr-4076	261	16	.	.	PUNCT
framr-4076	262	1	if	if	SCONJ
framr-4076	262	2	fintech	fintech	NOUN
framr-4076	262	3	companies	company	NOUN
framr-4076	262	4	continue	continue	VERB
framr-4076	262	5	to	to	ADP
framr-4076	262	6	private	private	ADJ
framr-4076	262	7	-	-	PUNCT
framr-4076	262	8	label	label	VERB
framr-4076	262	9	their	their	PRON
framr-4076	262	10	products	product	NOUN
framr-4076	262	11	and	and	CCONJ
framr-4076	262	12	services	service	NOUN
framr-4076	262	13	as	as	ADP
framr-4076	262	14	sustainable	sustainable	ADJ
framr-4076	262	15	,	,	PUNCT
framr-4076	262	16	some	some	PRON
framr-4076	262	17	are	be	AUX
framr-4076	262	18	at	at	ADP
framr-4076	262	19	risk	risk	NOUN
framr-4076	262	20	of	of	ADP
framr-4076	262	21	greenwashing	greenwashing	NOUN
framr-4076	262	22	—	—	PUNCT
framr-4076	262	23	exaggerating	exaggerate	VERB
framr-4076	262	24	the	the	DET
framr-4076	262	25	environmental	environmental	ADJ
framr-4076	262	26	benefits	benefit	NOUN
framr-4076	262	27	that	that	PRON
framr-4076	262	28	they	they	PRON
framr-4076	262	29	offer	offer	VERB
framr-4076	262	30	.	.	PUNCT
framr-4076	263	1	it	it	PRON
framr-4076	263	2	underscores	underscore	VERB
framr-4076	263	3	the	the	DET
framr-4076	263	4	importance	importance	NOUN
framr-4076	263	5	of	of	ADP
framr-4076	263	6	investing	invest	VERB
framr-4076	263	7	in	in	ADP
framr-4076	263	8	strong	strong	ADJ
framr-4076	263	9	regulatory	regulatory	ADJ
framr-4076	263	10	frameworks	framework	NOUN
framr-4076	263	11	and	and	CCONJ
framr-4076	263	12	transparency	transparency	NOUN
framr-4076	263	13	to	to	PART
framr-4076	263	14	prevent	prevent	VERB
framr-4076	263	15	fintech	fintech	NOUN
framr-4076	263	16	from	from	ADP
framr-4076	263	17	advancing	advance	VERB
framr-4076	263	18	exclusively	exclusively	ADV
framr-4076	263	19	fictitious	fictitious	ADJ
framr-4076	263	20	solutions	solution	NOUN
framr-4076	263	21	for	for	ADP
framr-4076	263	22	sustainable	sustainable	ADJ
framr-4076	263	23	development	development	NOUN
framr-4076	263	24	.	.	PUNCT
framr-4076	264	1	3	3	X
framr-4076	264	2	.	.	X
framr-4076	264	3	theoretical	theoretical	ADJ
framr-4076	264	4	perspective	perspective	NOUN
framr-4076	264	5	3.1	3.1	NUM
framr-4076	264	6	.	.	PUNCT
framr-4076	265	1	stakeholder	stakeholder	NOUN
framr-4076	265	2	theory	theory	NOUN
framr-4076	265	3	3.1.1	3.1.1	NUM
framr-4076	265	4	.	.	PUNCT
framr-4076	266	1	explanation	explanation	NOUN
framr-4076	266	2	and	and	CCONJ
framr-4076	266	3	relevance	relevance	NOUN
framr-4076	266	4	to	to	ADP
framr-4076	266	5	greenwashing	greenwashe	VERB
framr-4076	266	6	in	in	ADP
framr-4076	266	7	fintech	fintech	PROPN
framr-4076	266	8	freeman	freeman	PROPN
framr-4076	266	9	(	(	PUNCT
framr-4076	266	10	1984	1984	NUM
framr-4076	266	11	)	)	PUNCT
framr-4076	266	12	developed	develop	VERB
framr-4076	266	13	stakeholder	stakeholder	NOUN
framr-4076	266	14	theory	theory	NOUN
framr-4076	266	15	.	.	PUNCT
framr-4076	267	1	it	it	PRON
framr-4076	267	2	suggests	suggest	VERB
framr-4076	267	3	that	that	SCONJ
framr-4076	267	4	the	the	DET
framr-4076	267	5	concept	concept	NOUN
framr-4076	267	6	of	of	ADP
framr-4076	267	7	“	"	PUNCT
framr-4076	267	8	business	business	NOUN
framr-4076	267	9	”	"	PUNCT
framr-4076	267	10	focuses	focus	VERB
framr-4076	267	11	on	on	ADP
framr-4076	267	12	satisfying	satisfy	VERB
framr-4076	267	13	the	the	DET
framr-4076	267	14	needs	need	NOUN
framr-4076	267	15	of	of	ADP
framr-4076	267	16	stakeholders	stakeholder	NOUN
framr-4076	267	17	rather	rather	ADV
framr-4076	267	18	than	than	ADP
framr-4076	267	19	just	just	ADV
framr-4076	267	20	shareholders	shareholder	NOUN
framr-4076	267	21	.	.	PUNCT
framr-4076	268	1	a	a	DET
framr-4076	268	2	stakeholder	stakeholder	NOUN
framr-4076	268	3	is	be	AUX
framr-4076	268	4	any	any	DET
framr-4076	268	5	person	person	NOUN
framr-4076	268	6	or	or	CCONJ
framr-4076	268	7	group	group	NOUN
framr-4076	268	8	who	who	PRON
framr-4076	268	9	has	have	VERB
framr-4076	268	10	an	an	DET
framr-4076	268	11	interest	interest	NOUN
framr-4076	268	12	in	in	ADP
framr-4076	268	13	financial	financial	ADJ
framr-4076	268	14	risk	risk	NOUN
framr-4076	268	15	and	and	CCONJ
framr-4076	268	16	management	management	NOUN
framr-4076	268	17	reviews	review	NOUN
framr-4076	268	18	,	,	PUNCT
framr-4076	268	19	2025	2025	NUM
framr-4076	268	20	,	,	PUNCT
framr-4076	268	21	11(1	11(1	NUM
framr-4076	268	22	):	):	PUNCT
framr-4076	268	23	37	37	NUM
framr-4076	268	24	-	-	SYM
framr-4076	268	25	71	71	NUM
framr-4076	268	26	47	47	NUM
framr-4076	268	27	©	©	PROPN
framr-4076	268	28	2025	2025	NUM
framr-4076	268	29	conscientia	conscientia	PROPN
framr-4076	268	30	beam	beam	PROPN
framr-4076	268	31	.	.	PUNCT
framr-4076	269	1	all	all	DET
framr-4076	269	2	rights	right	NOUN
framr-4076	269	3	reserved	reserve	VERB
framr-4076	269	4	.	.	PUNCT
framr-4076	270	1	or	or	CCONJ
framr-4076	270	2	can	can	AUX
framr-4076	270	3	influence	influence	VERB
framr-4076	270	4	the	the	DET
framr-4076	270	5	achievement	achievement	NOUN
framr-4076	270	6	of	of	ADP
framr-4076	270	7	an	an	DET
framr-4076	270	8	organization	organization	NOUN
framr-4076	270	9	’s	’s	PART
framr-4076	270	10	objectives	objective	NOUN
framr-4076	270	11	.	.	PUNCT
framr-4076	271	1	when	when	SCONJ
framr-4076	271	2	evaluating	evaluate	VERB
framr-4076	271	3	fintech	fintech	NOUN
framr-4076	271	4	and	and	CCONJ
framr-4076	271	5	sustainable	sustainable	ADJ
framr-4076	271	6	development	development	NOUN
framr-4076	271	7	,	,	PUNCT
framr-4076	271	8	the	the	DET
framr-4076	271	9	key	key	ADJ
framr-4076	271	10	players	player	NOUN
framr-4076	271	11	involved	involve	VERB
framr-4076	271	12	are	be	AUX
framr-4076	271	13	customers	customer	NOUN
framr-4076	271	14	,	,	PUNCT
framr-4076	271	15	employees	employee	NOUN
framr-4076	271	16	,	,	PUNCT
framr-4076	271	17	shareholders	shareholder	NOUN
framr-4076	271	18	,	,	PUNCT
framr-4076	271	19	the	the	DET
framr-4076	271	20	government	government	NOUN
framr-4076	271	21	,	,	PUNCT
framr-4076	271	22	environmental	environmental	ADJ
framr-4076	271	23	officers	officer	NOUN
framr-4076	271	24	,	,	PUNCT
framr-4076	271	25	and	and	CCONJ
framr-4076	271	26	other	other	ADJ
framr-4076	271	27	community	community	NOUN
framr-4076	271	28	members	member	NOUN
framr-4076	271	29	.	.	PUNCT
framr-4076	272	1	the	the	DET
framr-4076	272	2	usefulness	usefulness	NOUN
framr-4076	272	3	of	of	ADP
framr-4076	272	4	stakeholder	stakeholder	NOUN
framr-4076	272	5	theory	theory	NOUN
framr-4076	272	6	in	in	ADP
framr-4076	272	7	the	the	DET
framr-4076	272	8	context	context	NOUN
framr-4076	272	9	of	of	ADP
framr-4076	272	10	greenwashing	greenwashe	VERB
framr-4076	272	11	in	in	ADP
framr-4076	272	12	fintech	fintech	NOUN
framr-4076	272	13	lies	lie	VERB
framr-4076	272	14	in	in	ADP
framr-4076	272	15	how	how	SCONJ
framr-4076	272	16	the	the	DET
framr-4076	272	17	theory	theory	NOUN
framr-4076	272	18	helps	helps	AUX
framr-4076	272	19	identify	identify	VERB
framr-4076	272	20	the	the	DET
framr-4076	272	21	roles	role	NOUN
framr-4076	272	22	and	and	CCONJ
framr-4076	272	23	impacts	impact	NOUN
framr-4076	272	24	of	of	ADP
framr-4076	272	25	stakeholders	stakeholder	NOUN
framr-4076	272	26	who	who	PRON
framr-4076	272	27	are	be	AUX
framr-4076	272	28	either	either	CCONJ
framr-4076	272	29	interested	interested	ADJ
framr-4076	272	30	in	in	ADP
framr-4076	272	31	or	or	CCONJ
framr-4076	272	32	affected	affect	VERB
framr-4076	272	33	by	by	ADP
framr-4076	272	34	greenwashing	greenwashe	VERB
framr-4076	272	35	.	.	PUNCT
framr-4076	273	1	companies	company	NOUN
framr-4076	273	2	in	in	ADP
framr-4076	273	3	the	the	DET
framr-4076	273	4	fintech	fintech	NOUN
framr-4076	273	5	sector	sector	NOUN
framr-4076	273	6	also	also	ADV
framr-4076	273	7	make	make	VERB
framr-4076	273	8	significant	significant	ADJ
framr-4076	273	9	efforts	effort	NOUN
framr-4076	273	10	to	to	PART
framr-4076	273	11	become	become	VERB
framr-4076	273	12	pioneers	pioneer	NOUN
framr-4076	273	13	of	of	ADP
framr-4076	273	14	sustainable	sustainable	ADJ
framr-4076	273	15	finance	finance	NOUN
framr-4076	273	16	solutions	solution	NOUN
framr-4076	273	17	in	in	ADP
framr-4076	273	18	their	their	PRON
framr-4076	273	19	daily	daily	ADJ
framr-4076	273	20	operations	operation	NOUN
framr-4076	273	21	.	.	PUNCT
framr-4076	274	1	however	however	ADV
framr-4076	274	2	,	,	PUNCT
framr-4076	274	3	when	when	SCONJ
framr-4076	274	4	such	such	ADJ
framr-4076	274	5	firms	firm	NOUN
framr-4076	274	6	make	make	VERB
framr-4076	274	7	false	false	ADJ
framr-4076	274	8	claims	claim	NOUN
framr-4076	274	9	about	about	ADP
framr-4076	274	10	their	their	PRON
framr-4076	274	11	stewardship	stewardship	NOUN
framr-4076	274	12	of	of	ADP
framr-4076	274	13	the	the	DET
framr-4076	274	14	natural	natural	ADJ
framr-4076	274	15	environment	environment	NOUN
framr-4076	274	16	,	,	PUNCT
framr-4076	274	17	it	it	PRON
framr-4076	274	18	erodes	erode	VERB
framr-4076	274	19	the	the	DET
framr-4076	274	20	trust	trust	NOUN
framr-4076	274	21	and	and	CCONJ
framr-4076	274	22	legitimacy	legitimacy	NOUN
framr-4076	274	23	that	that	PRON
framr-4076	274	24	are	be	AUX
framr-4076	274	25	the	the	DET
framr-4076	274	26	lifeblood	lifeblood	NOUN
framr-4076	274	27	of	of	ADP
framr-4076	274	28	these	these	DET
framr-4076	274	29	organizations	organization	NOUN
framr-4076	274	30	.	.	PUNCT
framr-4076	275	1	greenwashing	greenwashe	VERB
framr-4076	275	2	in	in	ADP
framr-4076	275	3	fintech	fintech	NOUN
framr-4076	275	4	comes	come	VERB
framr-4076	275	5	in	in	ADP
framr-4076	275	6	various	various	ADJ
framr-4076	275	7	forms	form	NOUN
framr-4076	275	8	,	,	PUNCT
framr-4076	275	9	from	from	ADP
framr-4076	275	10	covering	cover	VERB
framr-4076	275	11	up	up	ADP
framr-4076	275	12	a	a	DET
framr-4076	275	13	financial	financial	ADJ
framr-4076	275	14	product	product	NOUN
framr-4076	275	15	presented	present	VERB
framr-4076	275	16	as	as	ADP
framr-4076	275	17	ecologically	ecologically	ADV
framr-4076	275	18	beneficial	beneficial	ADJ
framr-4076	275	19	without	without	ADP
framr-4076	275	20	sufficient	sufficient	ADJ
framr-4076	275	21	evidence	evidence	NOUN
framr-4076	275	22	,	,	PUNCT
framr-4076	275	23	to	to	ADP
framr-4076	275	24	overstating	overstate	VERB
framr-4076	275	25	the	the	DET
framr-4076	275	26	ecological	ecological	ADJ
framr-4076	275	27	value	value	NOUN
framr-4076	275	28	of	of	ADP
framr-4076	275	29	their	their	PRON
framr-4076	275	30	operations	operation	NOUN
framr-4076	275	31	,	,	PUNCT
framr-4076	275	32	and	and	CCONJ
framr-4076	275	33	failing	fail	VERB
framr-4076	275	34	to	to	PART
framr-4076	275	35	disclose	disclose	VERB
framr-4076	275	36	the	the	DET
framr-4076	275	37	environmental	environmental	ADJ
framr-4076	275	38	drawbacks	drawback	NOUN
framr-4076	275	39	of	of	ADP
framr-4076	275	40	their	their	PRON
framr-4076	275	41	innovative	innovative	ADJ
framr-4076	275	42	technologies	technology	NOUN
framr-4076	275	43	.	.	PUNCT
framr-4076	276	1	not	not	PART
framr-4076	276	2	only	only	ADV
framr-4076	276	3	does	do	AUX
framr-4076	276	4	this	this	PRON
framr-4076	276	5	mislead	mislead	VERB
framr-4076	276	6	consumers	consumer	NOUN
framr-4076	276	7	and	and	CCONJ
framr-4076	276	8	investors	investor	NOUN
framr-4076	276	9	,	,	PUNCT
framr-4076	276	10	but	but	CCONJ
framr-4076	276	11	it	it	PRON
framr-4076	276	12	also	also	ADV
framr-4076	276	13	leads	lead	VERB
framr-4076	276	14	to	to	ADP
framr-4076	276	15	severe	severe	ADJ
framr-4076	276	16	consequences	consequence	NOUN
framr-4076	276	17	,	,	PUNCT
framr-4076	276	18	including	include	VERB
framr-4076	276	19	reputational	reputational	ADJ
framr-4076	276	20	damage	damage	NOUN
framr-4076	276	21	,	,	PUNCT
framr-4076	276	22	legal	legal	ADJ
framr-4076	276	23	actions	action	NOUN
framr-4076	276	24	,	,	PUNCT
framr-4076	276	25	and	and	CCONJ
framr-4076	276	26	the	the	DET
framr-4076	276	27	loss	loss	NOUN
framr-4076	276	28	of	of	ADP
framr-4076	276	29	stakeholder	stakeholder	NOUN
framr-4076	276	30	trust	trust	PROPN
framr-4076	276	31	.	.	PUNCT
framr-4076	277	1	pimonenko	pimonenko	PROPN
framr-4076	277	2	et	et	PROPN
framr-4076	277	3	al	al	PROPN
framr-4076	277	4	.	.	PROPN
framr-4076	278	1	(	(	PUNCT
framr-4076	278	2	2020	2020	NUM
framr-4076	278	3	)	)	PUNCT
framr-4076	278	4	reported	report	VERB
framr-4076	278	5	that	that	SCONJ
framr-4076	278	6	about	about	ADV
framr-4076	278	7	78	78	NUM
framr-4076	278	8	%	%	NOUN
framr-4076	278	9	of	of	ADP
framr-4076	278	10	consumers	consumer	NOUN
framr-4076	278	11	consider	consider	VERB
framr-4076	278	12	environmental	environmental	ADJ
framr-4076	278	13	responsibility	responsibility	NOUN
framr-4076	278	14	commitments	commitment	NOUN
framr-4076	278	15	when	when	SCONJ
framr-4076	278	16	making	make	VERB
framr-4076	278	17	their	their	PRON
framr-4076	278	18	purchases	purchase	NOUN
framr-4076	278	19	;	;	PUNCT
framr-4076	278	20	therefore	therefore	ADV
framr-4076	278	21	,	,	PUNCT
framr-4076	278	22	a	a	DET
framr-4076	278	23	genuine	genuine	ADJ
framr-4076	278	24	commitment	commitment	NOUN
framr-4076	278	25	to	to	ADP
framr-4076	278	26	sustainability	sustainability	NOUN
framr-4076	278	27	is	be	AUX
framr-4076	278	28	crucial	crucial	ADJ
framr-4076	278	29	.	.	PUNCT
framr-4076	279	1	3.1.2	3.1.2	X
framr-4076	279	2	.	.	PUNCT
framr-4076	280	1	analysis	analysis	NOUN
framr-4076	280	2	of	of	ADP
framr-4076	280	3	stakeholders	stakeholder	NOUN
framr-4076	280	4	'	'	PART
framr-4076	280	5	interests	interest	NOUN
framr-4076	280	6	and	and	CCONJ
framr-4076	280	7	impacts	impact	NOUN
framr-4076	280	8	customers	customer	NOUN
framr-4076	280	9	:	:	PUNCT
framr-4076	280	10	in	in	ADP
framr-4076	280	11	the	the	DET
framr-4076	280	12	current	current	ADJ
framr-4076	280	13	fintech	fintech	NOUN
framr-4076	280	14	environment	environment	NOUN
framr-4076	280	15	,	,	PUNCT
framr-4076	280	16	consumers	consumer	NOUN
framr-4076	280	17	are	be	AUX
framr-4076	280	18	expecting	expect	VERB
framr-4076	280	19	more	more	ADJ
framr-4076	280	20	honesty	honesty	NOUN
framr-4076	280	21	and	and	CCONJ
framr-4076	280	22	transparency	transparency	NOUN
framr-4076	280	23	from	from	ADP
framr-4076	280	24	the	the	DET
framr-4076	280	25	organisations	organisation	NOUN
framr-4076	280	26	they	they	PRON
framr-4076	280	27	transact	transact	VERB
framr-4076	280	28	with	with	ADP
framr-4076	280	29	.	.	PUNCT
framr-4076	281	1	according	accord	VERB
framr-4076	281	2	to	to	ADP
framr-4076	281	3	accenture	accenture	NOUN
framr-4076	281	4	(	(	PUNCT
framr-4076	281	5	2022	2022	NUM
framr-4076	281	6	)	)	PUNCT
framr-4076	281	7	a	a	DET
framr-4076	281	8	survey	survey	NOUN
framr-4076	281	9	revealed	reveal	VERB
framr-4076	281	10	that	that	SCONJ
framr-4076	281	11	62	62	NUM
framr-4076	281	12	%	%	NOUN
framr-4076	281	13	of	of	ADP
framr-4076	281	14	consumers	consumer	NOUN
framr-4076	281	15	are	be	AUX
framr-4076	281	16	willing	willing	ADJ
framr-4076	281	17	to	to	PART
framr-4076	281	18	buy	buy	VERB
framr-4076	281	19	goods	good	NOUN
framr-4076	281	20	and	and	CCONJ
framr-4076	281	21	services	service	NOUN
framr-4076	281	22	from	from	ADP
framr-4076	281	23	firms	firm	NOUN
framr-4076	281	24	that	that	PRON
framr-4076	281	25	display	display	VERB
framr-4076	281	26	or	or	CCONJ
framr-4076	281	27	explain	explain	VERB
framr-4076	281	28	their	their	PRON
framr-4076	281	29	environmental	environmental	ADJ
framr-4076	281	30	policies	policy	NOUN
framr-4076	281	31	.	.	PUNCT
framr-4076	282	1	greenwashing	greenwashing	NOUN
framr-4076	282	2	practices	practice	NOUN
framr-4076	282	3	mislead	mislead	VERB
framr-4076	282	4	customers	customer	NOUN
framr-4076	282	5	,	,	PUNCT
framr-4076	282	6	leading	lead	VERB
framr-4076	282	7	to	to	ADP
framr-4076	282	8	consumer	consumer	NOUN
framr-4076	282	9	doubt	doubt	NOUN
framr-4076	282	10	,	,	PUNCT
framr-4076	282	11	loss	loss	NOUN
framr-4076	282	12	of	of	ADP
framr-4076	282	13	customers	customer	NOUN
framr-4076	282	14	,	,	PUNCT
framr-4076	282	15	and	and	CCONJ
framr-4076	282	16	a	a	DET
framr-4076	282	17	decline	decline	NOUN
framr-4076	282	18	in	in	ADP
framr-4076	282	19	market	market	NOUN
framr-4076	282	20	share	share	NOUN
framr-4076	282	21	.	.	PUNCT
framr-4076	283	1	for	for	ADP
framr-4076	283	2	instance	instance	NOUN
framr-4076	283	3	,	,	PUNCT
framr-4076	283	4	when	when	SCONJ
framr-4076	283	5	a	a	DET
framr-4076	283	6	fintech	fintech	NOUN
framr-4076	283	7	firm	firm	NOUN
framr-4076	283	8	promotes	promote	VERB
framr-4076	283	9	financing	finance	VERB
framr-4076	283	10	environmental	environmental	ADJ
framr-4076	283	11	projects	project	NOUN
framr-4076	283	12	but	but	CCONJ
framr-4076	283	13	,	,	PUNCT
framr-4076	283	14	in	in	ADP
framr-4076	283	15	reality	reality	NOUN
framr-4076	283	16	,	,	PUNCT
framr-4076	283	17	channels	channel	VERB
framr-4076	283	18	the	the	DET
framr-4076	283	19	investments	investment	NOUN
framr-4076	283	20	to	to	PART
framr-4076	283	21	fossil	fossil	NOUN
framr-4076	283	22	fuel	fuel	NOUN
framr-4076	283	23	projects	project	NOUN
framr-4076	283	24	,	,	PUNCT
framr-4076	283	25	clients	client	NOUN
framr-4076	283	26	may	may	AUX
framr-4076	283	27	feel	feel	VERB
framr-4076	283	28	deceived	deceive	VERB
framr-4076	283	29	and	and	CCONJ
framr-4076	283	30	seek	seek	VERB
framr-4076	283	31	other	other	ADJ
framr-4076	283	32	service	service	NOUN
framr-4076	283	33	providers	provider	NOUN
framr-4076	283	34	.	.	PUNCT
framr-4076	284	1	•	•	NUM
framr-4076	284	2	investors	investor	NOUN
framr-4076	284	3	:	:	PUNCT
framr-4076	284	4	investors	investor	NOUN
framr-4076	284	5	are	be	AUX
framr-4076	284	6	another	another	DET
framr-4076	284	7	vital	vital	ADJ
framr-4076	284	8	stakeholder	stakeholder	NOUN
framr-4076	284	9	category	category	NOUN
framr-4076	284	10	influenced	influence	VERB
framr-4076	284	11	by	by	ADP
framr-4076	284	12	the	the	DET
framr-4076	284	13	phenomenon	phenomenon	NOUN
framr-4076	284	14	of	of	ADP
framr-4076	284	15	greenwashing	greenwashe	VERB
framr-4076	284	16	in	in	ADP
framr-4076	284	17	fintech	fintech	NOUN
framr-4076	284	18	.	.	PUNCT
framr-4076	285	1	sustainability	sustainability	NOUN
framr-4076	285	2	reports	report	NOUN
framr-4076	285	3	are	be	AUX
framr-4076	285	4	helpful	helpful	ADJ
framr-4076	285	5	to	to	ADP
framr-4076	285	6	many	many	ADJ
framr-4076	285	7	investors	investor	NOUN
framr-4076	285	8	,	,	PUNCT
framr-4076	285	9	especially	especially	ADV
framr-4076	285	10	those	those	PRON
framr-4076	285	11	interested	interested	ADJ
framr-4076	285	12	in	in	ADP
framr-4076	285	13	sustainable	sustainable	ADJ
framr-4076	285	14	investments	investment	NOUN
framr-4076	285	15	who	who	PRON
framr-4076	285	16	prefer	prefer	VERB
framr-4076	285	17	accurate	accurate	ADJ
framr-4076	285	18	sustainability	sustainability	NOUN
framr-4076	285	19	reports	report	NOUN
framr-4076	285	20	.	.	PUNCT
framr-4076	286	1	a	a	DET
framr-4076	286	2	publication	publication	NOUN
framr-4076	286	3	by	by	ADP
framr-4076	286	4	morningstar	morningstar	NOUN
framr-4076	286	5	(	(	PUNCT
framr-4076	286	6	2023	2023	NUM
framr-4076	286	7	)	)	PUNCT
framr-4076	286	8	showed	show	VERB
framr-4076	286	9	that	that	SCONJ
framr-4076	286	10	sustainable	sustainable	ADJ
framr-4076	286	11	funds	fund	NOUN
framr-4076	286	12	globally	globally	ADV
framr-4076	286	13	were	be	AUX
framr-4076	286	14	worth	worth	ADJ
framr-4076	286	15	$	$	SYM
framr-4076	286	16	3.9	3.9	NUM
framr-4076	286	17	trillion	trillion	NUM
framr-4076	286	18	in	in	ADP
framr-4076	286	19	2022	2022	NUM
framr-4076	286	20	,	,	PUNCT
framr-4076	286	21	signaling	signal	VERB
framr-4076	286	22	a	a	DET
framr-4076	286	23	high	high	ADJ
framr-4076	286	24	level	level	NOUN
framr-4076	286	25	of	of	ADP
framr-4076	286	26	investor	investor	NOUN
framr-4076	286	27	demand	demand	NOUN
framr-4076	286	28	for	for	ADP
framr-4076	286	29	green	green	ADJ
framr-4076	286	30	financial	financial	ADJ
framr-4076	286	31	instruments	instrument	NOUN
framr-4076	286	32	.	.	PUNCT
framr-4076	287	1	the	the	DET
framr-4076	287	2	consequences	consequence	NOUN
framr-4076	287	3	of	of	ADP
framr-4076	287	4	greenwashing	greenwashe	VERB
framr-4076	287	5	for	for	ADP
framr-4076	287	6	a	a	DET
framr-4076	287	7	fintech	fintech	NOUN
framr-4076	287	8	company	company	NOUN
framr-4076	287	9	include	include	VERB
framr-4076	287	10	:	:	PUNCT
framr-4076	287	11	ivestment	ivestment	NOUN
framr-4076	287	12	by	by	ADP
framr-4076	287	13	investors	investor	NOUN
framr-4076	287	14	keen	keen	ADJ
framr-4076	287	15	on	on	ADP
framr-4076	287	16	tracking	track	VERB
framr-4076	287	17	sustainability	sustainability	NOUN
framr-4076	287	18	issues	issue	NOUN
framr-4076	287	19	,	,	PUNCT
framr-4076	287	20	loss	loss	NOUN
framr-4076	287	21	of	of	ADP
framr-4076	287	22	share	share	NOUN
framr-4076	287	23	price	price	NOUN
framr-4076	287	24	and	and	CCONJ
framr-4076	287	25	challenges	challenge	NOUN
framr-4076	287	26	in	in	ADP
framr-4076	287	27	securing	secure	VERB
framr-4076	287	28	future	future	ADJ
framr-4076	287	29	rounds	round	NOUN
framr-4076	287	30	of	of	ADP
framr-4076	287	31	funding	funding	NOUN
framr-4076	287	32	.	.	PUNCT
framr-4076	288	1	moreover	moreover	ADV
framr-4076	288	2	,	,	PUNCT
framr-4076	288	3	the	the	DET
framr-4076	288	4	dissemination	dissemination	NOUN
framr-4076	288	5	of	of	ADP
framr-4076	288	6	false	false	ADJ
framr-4076	288	7	information	information	NOUN
framr-4076	288	8	through	through	ADP
framr-4076	288	9	greenwashing	greenwashing	NOUN
framr-4076	288	10	can	can	AUX
framr-4076	288	11	lead	lead	VERB
framr-4076	288	12	to	to	ADP
framr-4076	288	13	legal	legal	ADJ
framr-4076	288	14	actions	action	NOUN
framr-4076	288	15	against	against	ADP
framr-4076	288	16	companies	company	NOUN
framr-4076	288	17	.	.	PUNCT
framr-4076	289	1	this	this	PRON
framr-4076	289	2	is	be	AUX
framr-4076	289	3	evidenced	evidence	VERB
framr-4076	289	4	by	by	ADP
framr-4076	289	5	several	several	ADJ
framr-4076	289	6	large	large	ADJ
framr-4076	289	7	firms	firm	NOUN
framr-4076	289	8	that	that	PRON
framr-4076	289	9	have	have	AUX
framr-4076	289	10	been	be	AUX
framr-4076	289	11	sued	sue	VERB
framr-4076	289	12	for	for	ADP
framr-4076	289	13	greenwashing	greenwashing	NOUN
framr-4076	289	14	,	,	PUNCT
framr-4076	289	15	highlighting	highlight	VERB
framr-4076	289	16	the	the	DET
framr-4076	289	17	legal	legal	ADJ
framr-4076	289	18	risks	risk	NOUN
framr-4076	289	19	associated	associate	VERB
framr-4076	289	20	with	with	ADP
framr-4076	289	21	misleading	mislead	VERB
framr-4076	289	22	sustainability	sustainability	NOUN
framr-4076	289	23	claims	claim	NOUN
framr-4076	289	24	.	.	PUNCT
framr-4076	290	1	•	•	NUM
framr-4076	290	2	employees	employee	NOUN
framr-4076	290	3	:	:	PUNCT
framr-4076	290	4	the	the	DET
framr-4076	290	5	current	current	ADJ
framr-4076	290	6	generation	generation	NOUN
framr-4076	290	7	of	of	ADP
framr-4076	290	8	employees	employee	NOUN
framr-4076	290	9	,	,	PUNCT
framr-4076	290	10	particularly	particularly	ADV
framr-4076	290	11	younger	young	ADJ
framr-4076	290	12	workers	worker	NOUN
framr-4076	290	13	in	in	ADP
framr-4076	290	14	the	the	DET
framr-4076	290	15	fintech	fintech	NOUN
framr-4076	290	16	industry	industry	NOUN
framr-4076	290	17	,	,	PUNCT
framr-4076	290	18	increasingly	increasingly	ADV
framr-4076	290	19	values	value	VERB
framr-4076	290	20	the	the	DET
framr-4076	290	21	personal	personal	ADJ
framr-4076	290	22	and	and	CCONJ
framr-4076	290	23	ethical	ethical	ADJ
framr-4076	290	24	standards	standard	NOUN
framr-4076	290	25	of	of	ADP
framr-4076	290	26	their	their	PRON
framr-4076	290	27	organizations	organization	NOUN
framr-4076	290	28	.	.	PUNCT
framr-4076	291	1	a	a	DET
framr-4076	291	2	survey	survey	NOUN
framr-4076	291	3	report	report	NOUN
framr-4076	291	4	conducted	conduct	VERB
framr-4076	291	5	by	by	ADP
framr-4076	291	6	deloitte	deloitte	PROPN
framr-4076	291	7	(	(	PUNCT
framr-4076	291	8	2021	2021	NUM
framr-4076	291	9	)	)	PUNCT
framr-4076	291	10	revealed	reveal	VERB
framr-4076	291	11	that	that	SCONJ
framr-4076	291	12	49	49	NUM
framr-4076	291	13	%	%	NOUN
framr-4076	291	14	of	of	ADP
framr-4076	291	15	millennials	millennial	NOUN
framr-4076	291	16	and	and	CCONJ
framr-4076	291	17	44	44	NUM
framr-4076	291	18	%	%	NOUN
framr-4076	291	19	of	of	ADP
framr-4076	291	20	gen	gen	PROPN
framr-4076	291	21	z	z	NOUN
framr-4076	291	22	employees	employee	NOUN
framr-4076	291	23	would	would	AUX
framr-4076	291	24	not	not	PART
framr-4076	291	25	join	join	VERB
framr-4076	291	26	an	an	DET
framr-4076	291	27	organization	organization	NOUN
framr-4076	291	28	that	that	PRON
framr-4076	291	29	does	do	AUX
framr-4076	291	30	not	not	PART
framr-4076	291	31	align	align	VERB
framr-4076	291	32	with	with	ADP
framr-4076	291	33	their	their	PRON
framr-4076	291	34	values	value	NOUN
framr-4076	291	35	.	.	PUNCT
framr-4076	292	1	greenwashing	greenwashing	NOUN
framr-4076	292	2	results	result	NOUN
framr-4076	292	3	in	in	ADP
framr-4076	292	4	organizational	organizational	ADJ
framr-4076	292	5	withdrawal	withdrawal	NOUN
framr-4076	292	6	,	,	PUNCT
framr-4076	292	7	low	low	ADJ
framr-4076	292	8	organizational	organizational	ADJ
framr-4076	292	9	commitment	commitment	NOUN
framr-4076	292	10	,	,	PUNCT
framr-4076	292	11	and	and	CCONJ
framr-4076	292	12	increased	increase	VERB
framr-4076	292	13	turnover	turnover	NOUN
framr-4076	292	14	among	among	ADP
framr-4076	292	15	employees	employee	NOUN
framr-4076	292	16	who	who	PRON
framr-4076	292	17	perceive	perceive	VERB
framr-4076	292	18	a	a	DET
framr-4076	292	19	discrepancy	discrepancy	NOUN
framr-4076	292	20	between	between	ADP
framr-4076	292	21	the	the	DET
framr-4076	292	22	organization	organization	NOUN
framr-4076	292	23	's	's	PART
framr-4076	292	24	actions	action	NOUN
framr-4076	292	25	and	and	CCONJ
framr-4076	292	26	environmental	environmental	ADJ
framr-4076	292	27	claims	claim	NOUN
framr-4076	292	28	.	.	PUNCT
framr-4076	293	1	•	•	NUM
framr-4076	293	2	regulators	regulator	NOUN
framr-4076	293	3	:	:	PUNCT
framr-4076	293	4	various	various	ADJ
framr-4076	293	5	regulatory	regulatory	ADJ
framr-4076	293	6	bodies	body	NOUN
framr-4076	293	7	are	be	AUX
framr-4076	293	8	tasked	task	VERB
framr-4076	293	9	with	with	ADP
framr-4076	293	10	preventing	prevent	VERB
framr-4076	293	11	organizations	organization	NOUN
framr-4076	293	12	from	from	ADP
framr-4076	293	13	engaging	engage	VERB
framr-4076	293	14	in	in	ADP
framr-4076	293	15	greenwashing	greenwashing	NOUN
framr-4076	293	16	.	.	PUNCT
framr-4076	294	1	regulations	regulation	NOUN
framr-4076	294	2	from	from	ADP
framr-4076	294	3	central	central	ADJ
framr-4076	294	4	bodies	body	NOUN
framr-4076	294	5	,	,	PUNCT
framr-4076	294	6	such	such	ADJ
framr-4076	294	7	as	as	ADP
framr-4076	294	8	the	the	DET
framr-4076	294	9	u.s	u.s	PROPN
framr-4076	294	10	.	.	PROPN
framr-4076	294	11	securities	securities	PROPN
framr-4076	294	12	and	and	CCONJ
framr-4076	294	13	exchange	exchange	PROPN
framr-4076	294	14	commission	commission	PROPN
framr-4076	294	15	(	(	PUNCT
framr-4076	294	16	sec	sec	PROPN
framr-4076	294	17	)	)	PUNCT
framr-4076	294	18	or	or	CCONJ
framr-4076	294	19	the	the	DET
framr-4076	294	20	eu	eu	PROPN
framr-4076	294	21	green	green	ADJ
framr-4076	294	22	taxonomy	taxonomy	NOUN
framr-4076	294	23	,	,	PUNCT
framr-4076	294	24	entail	entail	VERB
framr-4076	294	25	severe	severe	ADJ
framr-4076	294	26	consequences	consequence	NOUN
framr-4076	294	27	for	for	ADP
framr-4076	294	28	guilty	guilty	ADJ
framr-4076	294	29	fintech	fintech	NOUN
framr-4076	294	30	firms	firm	NOUN
framr-4076	294	31	.	.	PUNCT
framr-4076	295	1	penalties	penalty	NOUN
framr-4076	295	2	may	may	AUX
framr-4076	295	3	include	include	VERB
framr-4076	295	4	fines	fine	NOUN
framr-4076	295	5	,	,	PUNCT
framr-4076	295	6	suspension	suspension	NOUN
framr-4076	295	7	of	of	ADP
framr-4076	295	8	operations	operation	NOUN
framr-4076	295	9	,	,	PUNCT
framr-4076	295	10	or	or	CCONJ
framr-4076	295	11	corrective	corrective	ADJ
framr-4076	295	12	measures	measure	NOUN
framr-4076	295	13	.	.	PUNCT
framr-4076	296	1	for	for	ADP
framr-4076	296	2	instance	instance	NOUN
framr-4076	296	3	,	,	PUNCT
framr-4076	296	4	in	in	ADP
framr-4076	296	5	late	late	ADJ
framr-4076	296	6	2021	2021	NUM
framr-4076	296	7	,	,	PUNCT
framr-4076	296	8	the	the	DET
framr-4076	296	9	sec	sec	PROPN
framr-4076	296	10	launched	launch	VERB
framr-4076	296	11	the	the	DET
framr-4076	296	12	climate	climate	NOUN
framr-4076	296	13	and	and	CCONJ
framr-4076	296	14	esg	esg	PROPN
framr-4076	296	15	task	task	PROPN
framr-4076	296	16	force	force	NOUN
framr-4076	296	17	to	to	PART
framr-4076	296	18	investigate	investigate	VERB
framr-4076	296	19	schemes	scheme	NOUN
framr-4076	296	20	of	of	ADP
framr-4076	296	21	esg	esg	PROPN
framr-4076	296	22	-	-	PUNCT
framr-4076	296	23	related	relate	VERB
framr-4076	296	24	misconduct	misconduct	NOUN
framr-4076	296	25	,	,	PUNCT
framr-4076	296	26	highlighting	highlight	VERB
framr-4076	296	27	the	the	DET
framr-4076	296	28	regulatory	regulatory	ADJ
framr-4076	296	29	threats	threat	NOUN
framr-4076	296	30	associated	associate	VERB
framr-4076	296	31	with	with	ADP
framr-4076	296	32	greenwashing	greenwashing	NOUN
framr-4076	296	33	(	(	PUNCT
framr-4076	296	34	u.s	u.s	PROPN
framr-4076	296	35	.	.	PROPN
framr-4076	296	36	securities	securities	PROPN
framr-4076	296	37	and	and	CCONJ
framr-4076	296	38	exchange	exchange	PROPN
framr-4076	296	39	commission	commission	PROPN
framr-4076	296	40	(	(	PUNCT
framr-4076	296	41	sec	sec	PROPN
framr-4076	296	42	)	)	PUNCT
framr-4076	296	43	,	,	PUNCT
framr-4076	296	44	2021	2021	NUM
framr-4076	296	45	)	)	PUNCT
framr-4076	296	46	.	.	PUNCT
framr-4076	297	1	financial	financial	ADJ
framr-4076	297	2	risk	risk	NOUN
framr-4076	297	3	and	and	CCONJ
framr-4076	297	4	management	management	NOUN
framr-4076	297	5	reviews	review	NOUN
framr-4076	297	6	,	,	PUNCT
framr-4076	297	7	2025	2025	NUM
framr-4076	297	8	,	,	PUNCT
framr-4076	297	9	11(1	11(1	NUM
framr-4076	297	10	):	):	PUNCT
framr-4076	297	11	37	37	NUM
framr-4076	297	12	-	-	SYM
framr-4076	297	13	71	71	NUM
framr-4076	297	14	48	48	NUM
framr-4076	297	15	©	©	PROPN
framr-4076	297	16	2025	2025	NUM
framr-4076	297	17	conscientia	conscientia	PROPN
framr-4076	297	18	beam	beam	PROPN
framr-4076	297	19	.	.	PUNCT
framr-4076	298	1	all	all	DET
framr-4076	298	2	rights	right	NOUN
framr-4076	298	3	reserved	reserve	VERB
framr-4076	298	4	.	.	PUNCT
framr-4076	299	1	•	•	NUM
framr-4076	299	2	environmental	environmental	ADJ
framr-4076	299	3	groups	group	NOUN
framr-4076	299	4	and	and	CCONJ
framr-4076	299	5	the	the	DET
framr-4076	299	6	community	community	NOUN
framr-4076	299	7	:	:	PUNCT
framr-4076	299	8	environmental	environmental	ADJ
framr-4076	299	9	groups	group	NOUN
framr-4076	299	10	,	,	PUNCT
framr-4076	299	11	such	such	ADJ
framr-4076	299	12	as	as	ADP
framr-4076	299	13	civil	civil	ADJ
framr-4076	299	14	society	society	NOUN
framr-4076	299	15	organizations	organization	NOUN
framr-4076	299	16	and	and	CCONJ
framr-4076	299	17	environmentalists	environmentalist	NOUN
framr-4076	299	18	,	,	PUNCT
framr-4076	299	19	play	play	VERB
framr-4076	299	20	a	a	DET
framr-4076	299	21	crucial	crucial	ADJ
framr-4076	299	22	role	role	NOUN
framr-4076	299	23	in	in	ADP
framr-4076	299	24	monitoring	monitoring	NOUN
framr-4076	299	25	and	and	CCONJ
framr-4076	299	26	policing	policing	NOUN
framr-4076	299	27	companies	company	NOUN
framr-4076	299	28	’	'	PUNCT
framr-4076	299	29	environmental	environmental	ADJ
framr-4076	299	30	claims	claim	NOUN
framr-4076	299	31	.	.	PUNCT
framr-4076	300	1	when	when	SCONJ
framr-4076	300	2	companies	company	NOUN
framr-4076	300	3	engage	engage	VERB
framr-4076	300	4	in	in	ADP
framr-4076	300	5	greenwashing	greenwashing	NOUN
framr-4076	300	6	,	,	PUNCT
framr-4076	300	7	they	they	PRON
framr-4076	300	8	risk	risk	VERB
framr-4076	300	9	facing	face	VERB
framr-4076	300	10	protest	protest	NOUN
framr-4076	300	11	actions	action	NOUN
framr-4076	300	12	,	,	PUNCT
framr-4076	300	13	negative	negative	ADJ
framr-4076	300	14	publicity	publicity	NOUN
framr-4076	300	15	,	,	PUNCT
framr-4076	300	16	and	and	CCONJ
framr-4076	300	17	other	other	ADJ
framr-4076	300	18	detrimental	detrimental	ADJ
framr-4076	300	19	effects	effect	NOUN
framr-4076	300	20	on	on	ADP
framr-4076	300	21	their	their	PRON
framr-4076	300	22	brand	brand	NOUN
framr-4076	300	23	image	image	NOUN
framr-4076	300	24	.	.	PUNCT
framr-4076	301	1	furthermore	furthermore	ADV
framr-4076	301	2	,	,	PUNCT
framr-4076	301	3	the	the	DET
framr-4076	301	4	deception	deception	NOUN
framr-4076	301	5	that	that	PRON
framr-4076	301	6	does	do	AUX
framr-4076	301	7	not	not	PART
framr-4076	301	8	align	align	VERB
framr-4076	301	9	with	with	ADP
framr-4076	301	10	the	the	DET
framr-4076	301	11	vision	vision	NOUN
framr-4076	301	12	of	of	ADP
framr-4076	301	13	environmental	environmental	ADJ
framr-4076	301	14	sustainability	sustainability	NOUN
framr-4076	301	15	poses	pose	VERB
framr-4076	301	16	harmful	harmful	ADJ
framr-4076	301	17	effects	effect	NOUN
framr-4076	301	18	on	on	ADP
framr-4076	301	19	the	the	DET
framr-4076	301	20	environment	environment	NOUN
framr-4076	301	21	and	and	CCONJ
framr-4076	301	22	society	society	NOUN
framr-4076	301	23	in	in	ADP
framr-4076	301	24	the	the	DET
framr-4076	301	25	future	future	NOUN
framr-4076	301	26	,	,	PUNCT
framr-4076	301	27	as	as	SCONJ
framr-4076	301	28	climate	climate	NOUN
framr-4076	301	29	change	change	NOUN
framr-4076	301	30	and	and	CCONJ
framr-4076	301	31	social	social	ADJ
framr-4076	301	32	justice	justice	NOUN
framr-4076	301	33	issues	issue	NOUN
framr-4076	301	34	are	be	AUX
framr-4076	301	35	pressing	press	VERB
framr-4076	301	36	concerns	concern	NOUN
framr-4076	301	37	today	today	NOUN
framr-4076	301	38	.	.	PUNCT
framr-4076	302	1	3.2	3.2	NUM
framr-4076	302	2	.	.	PUNCT
framr-4076	303	1	legitimacy	legitimacy	NOUN
framr-4076	303	2	theory	theory	NOUN
framr-4076	303	3	3.2.1	3.2.1	NUM
framr-4076	303	4	.	.	PUNCT
framr-4076	304	1	understanding	understand	VERB
framr-4076	304	2	legitimacy	legitimacy	NOUN
framr-4076	304	3	within	within	ADP
framr-4076	304	4	the	the	DET
framr-4076	304	5	fintech	fintech	NOUN
framr-4076	304	6	context	context	NOUN
framr-4076	304	7	legitimacy	legitimacy	NOUN
framr-4076	304	8	theory	theory	NOUN
framr-4076	304	9	originated	originate	VERB
framr-4076	304	10	from	from	ADP
framr-4076	304	11	the	the	DET
framr-4076	304	12	idea	idea	NOUN
framr-4076	304	13	that	that	SCONJ
framr-4076	304	14	an	an	DET
framr-4076	304	15	organization	organization	NOUN
framr-4076	304	16	aims	aim	VERB
framr-4076	304	17	to	to	PART
framr-4076	304	18	function	function	VERB
framr-4076	304	19	in	in	ADP
framr-4076	304	20	a	a	DET
framr-4076	304	21	manner	manner	NOUN
framr-4076	304	22	that	that	PRON
framr-4076	304	23	aligns	align	VERB
framr-4076	304	24	with	with	ADP
framr-4076	304	25	societal	societal	ADJ
framr-4076	304	26	standards	standard	NOUN
framr-4076	304	27	to	to	PART
framr-4076	304	28	be	be	AUX
framr-4076	304	29	recognized	recognize	VERB
framr-4076	304	30	and	and	CCONJ
framr-4076	304	31	accredited	accredit	VERB
framr-4076	304	32	.	.	PUNCT
framr-4076	305	1	suchman	suchman	NOUN
framr-4076	305	2	(	(	PUNCT
framr-4076	305	3	1995	1995	NUM
framr-4076	305	4	)	)	PUNCT
framr-4076	305	5	defined	define	VERB
framr-4076	305	6	legitimacy	legitimacy	NOUN
framr-4076	305	7	as	as	ADP
framr-4076	305	8	a	a	DET
framr-4076	305	9	generalized	generalized	ADJ
framr-4076	305	10	assumption	assumption	NOUN
framr-4076	305	11	that	that	SCONJ
framr-4076	305	12	an	an	DET
framr-4076	305	13	entity	entity	NOUN
framr-4076	305	14	's	's	PART
framr-4076	305	15	actions	action	NOUN
framr-4076	305	16	are	be	AUX
framr-4076	305	17	appropriate	appropriate	ADJ
framr-4076	305	18	or	or	CCONJ
framr-4076	305	19	warranted	warrant	VERB
framr-4076	305	20	within	within	ADP
framr-4076	305	21	a	a	DET
framr-4076	305	22	framework	framework	NOUN
framr-4076	305	23	of	of	ADP
framr-4076	305	24	established	establish	VERB
framr-4076	305	25	norms	norm	NOUN
framr-4076	305	26	,	,	PUNCT
framr-4076	305	27	values	value	NOUN
framr-4076	305	28	,	,	PUNCT
framr-4076	305	29	beliefs	belief	NOUN
framr-4076	305	30	,	,	PUNCT
framr-4076	305	31	and	and	CCONJ
framr-4076	305	32	definitions	definition	NOUN
framr-4076	305	33	.	.	PUNCT
framr-4076	306	1	in	in	ADP
framr-4076	306	2	the	the	DET
framr-4076	306	3	context	context	NOUN
framr-4076	306	4	of	of	ADP
framr-4076	306	5	fintech	fintech	NOUN
framr-4076	306	6	,	,	PUNCT
framr-4076	306	7	legitimacy	legitimacy	NOUN
framr-4076	306	8	is	be	AUX
framr-4076	306	9	crucial	crucial	ADJ
framr-4076	306	10	because	because	SCONJ
framr-4076	306	11	it	it	PRON
framr-4076	306	12	determines	determine	VERB
framr-4076	306	13	the	the	DET
framr-4076	306	14	level	level	NOUN
framr-4076	306	15	of	of	ADP
framr-4076	306	16	acceptability	acceptability	NOUN
framr-4076	306	17	of	of	ADP
framr-4076	306	18	decisions	decision	NOUN
framr-4076	306	19	made	make	VERB
framr-4076	306	20	by	by	ADP
framr-4076	306	21	fintech	fintech	NOUN
framr-4076	306	22	firms	firm	NOUN
framr-4076	306	23	by	by	ADP
framr-4076	306	24	their	their	PRON
framr-4076	306	25	customers	customer	NOUN
framr-4076	306	26	,	,	PUNCT
framr-4076	306	27	investors	investor	NOUN
framr-4076	306	28	,	,	PUNCT
framr-4076	306	29	regulators	regulator	NOUN
framr-4076	306	30	,	,	PUNCT
framr-4076	306	31	and	and	CCONJ
framr-4076	306	32	the	the	DET
framr-4076	306	33	public	public	NOUN
framr-4076	306	34	.	.	PUNCT
framr-4076	307	1	reasonably	reasonably	ADV
framr-4076	307	2	expected	expect	VERB
framr-4076	307	3	,	,	PUNCT
framr-4076	307	4	fintech	fintech	NOUN
framr-4076	307	5	companies	company	NOUN
framr-4076	307	6	are	be	AUX
framr-4076	307	7	situated	situate	VERB
framr-4076	307	8	where	where	SCONJ
framr-4076	307	9	the	the	DET
framr-4076	307	10	financial	financial	ADJ
framr-4076	307	11	and	and	CCONJ
framr-4076	307	12	technology	technology	NOUN
framr-4076	307	13	sectors	sector	NOUN
framr-4076	307	14	coexist	coexist	VERB
framr-4076	307	15	.	.	PUNCT
framr-4076	308	1	both	both	DET
framr-4076	308	2	sectors	sector	NOUN
framr-4076	308	3	are	be	AUX
framr-4076	308	4	highly	highly	ADV
framr-4076	308	5	regulated	regulated	ADJ
framr-4076	308	6	and	and	CCONJ
framr-4076	308	7	supervised	supervised	ADJ
framr-4076	308	8	entities	entity	NOUN
framr-4076	308	9	that	that	PRON
framr-4076	308	10	must	must	AUX
framr-4076	308	11	respond	respond	VERB
framr-4076	308	12	to	to	ADP
framr-4076	308	13	societal	societal	ADJ
framr-4076	308	14	expectations	expectation	NOUN
framr-4076	308	15	.	.	PUNCT
framr-4076	309	1	the	the	DET
framr-4076	309	2	financial	financial	ADJ
framr-4076	309	3	products	product	NOUN
framr-4076	309	4	and	and	CCONJ
framr-4076	309	5	services	service	NOUN
framr-4076	309	6	launched	launch	VERB
framr-4076	309	7	by	by	ADP
framr-4076	309	8	such	such	ADJ
framr-4076	309	9	companies	company	NOUN
framr-4076	309	10	entail	entail	VERB
framr-4076	309	11	legitimacy	legitimacy	NOUN
framr-4076	309	12	based	base	VERB
framr-4076	309	13	on	on	ADP
framr-4076	309	14	several	several	ADJ
framr-4076	309	15	factors	factor	NOUN
framr-4076	309	16	,	,	PUNCT
framr-4076	309	17	including	include	VERB
framr-4076	309	18	companies	company	NOUN
framr-4076	309	19	working	work	VERB
framr-4076	309	20	in	in	ADP
framr-4076	309	21	line	line	NOUN
framr-4076	309	22	with	with	ADP
framr-4076	309	23	societal	societal	ADJ
framr-4076	309	24	goals	goal	NOUN
framr-4076	309	25	of	of	ADP
framr-4076	309	26	addressing	address	VERB
framr-4076	309	27	relevant	relevant	ADJ
framr-4076	309	28	financial	financial	ADJ
framr-4076	309	29	problems	problem	NOUN
framr-4076	309	30	,	,	PUNCT
framr-4076	309	31	adhering	adhere	VERB
framr-4076	309	32	to	to	ADP
framr-4076	309	33	sustainable	sustainable	ADJ
framr-4076	309	34	development	development	NOUN
framr-4076	309	35	goals	goal	NOUN
framr-4076	309	36	,	,	PUNCT
framr-4076	309	37	and	and	CCONJ
framr-4076	309	38	respecting	respect	VERB
framr-4076	309	39	clients	client	NOUN
framr-4076	309	40	'	'	PART
framr-4076	309	41	privacy	privacy	NOUN
framr-4076	309	42	rights	right	NOUN
framr-4076	309	43	.	.	PUNCT
framr-4076	310	1	such	such	ADJ
framr-4076	310	2	companies	company	NOUN
framr-4076	310	3	will	will	AUX
framr-4076	310	4	find	find	VERB
framr-4076	310	5	it	it	PRON
framr-4076	310	6	easier	easy	ADJ
framr-4076	310	7	to	to	PART
framr-4076	310	8	establish	establish	VERB
framr-4076	310	9	themselves	themselves	PRON
framr-4076	310	10	in	in	ADP
framr-4076	310	11	the	the	DET
framr-4076	310	12	market	market	NOUN
framr-4076	310	13	.	.	PUNCT
framr-4076	311	1	the	the	DET
framr-4076	311	2	need	need	NOUN
framr-4076	311	3	to	to	PART
framr-4076	311	4	attain	attain	VERB
framr-4076	311	5	legitimacy	legitimacy	NOUN
framr-4076	311	6	in	in	ADP
framr-4076	311	7	the	the	DET
framr-4076	311	8	fintech	fintech	NOUN
framr-4076	311	9	sector	sector	NOUN
framr-4076	311	10	is	be	AUX
framr-4076	311	11	well	well	ADV
framr-4076	311	12	-	-	PUNCT
framr-4076	311	13	founded	found	VERB
framr-4076	311	14	,	,	PUNCT
framr-4076	311	15	given	give	VERB
framr-4076	311	16	that	that	SCONJ
framr-4076	311	17	trust	trust	NOUN
framr-4076	311	18	-	-	PUNCT
framr-4076	311	19	building	building	NOUN
framr-4076	311	20	structures	structure	NOUN
framr-4076	311	21	are	be	AUX
framr-4076	311	22	the	the	DET
framr-4076	311	23	foundation	foundation	NOUN
framr-4076	311	24	for	for	ADP
framr-4076	311	25	adopting	adopt	VERB
framr-4076	311	26	financial	financial	ADJ
framr-4076	311	27	solutions	solution	NOUN
framr-4076	311	28	.	.	PUNCT
framr-4076	312	1	in	in	ADP
framr-4076	312	2	pwc	pwc	PROPN
framr-4076	312	3	(	(	PUNCT
framr-4076	312	4	2021	2021	NUM
framr-4076	312	5	)	)	PUNCT
framr-4076	312	6	global	global	ADJ
framr-4076	312	7	survey	survey	NOUN
framr-4076	312	8	,	,	PUNCT
framr-4076	312	9	70	70	NUM
framr-4076	312	10	%	%	NOUN
framr-4076	312	11	of	of	ADP
framr-4076	312	12	consumers	consumer	NOUN
framr-4076	312	13	identified	identify	VERB
framr-4076	312	14	credibility	credibility	NOUN
framr-4076	312	15	as	as	ADP
framr-4076	312	16	the	the	DET
framr-4076	312	17	primary	primary	ADJ
framr-4076	312	18	factor	factor	NOUN
framr-4076	312	19	when	when	SCONJ
framr-4076	312	20	selecting	select	VERB
framr-4076	312	21	their	their	PRON
framr-4076	312	22	preferred	preferred	ADJ
framr-4076	312	23	financial	financial	ADJ
framr-4076	312	24	services	service	NOUN
framr-4076	312	25	provider	provider	NOUN
framr-4076	312	26	.	.	PUNCT
framr-4076	313	1	for	for	ADP
framr-4076	313	2	new	new	ADJ
framr-4076	313	3	firms	firm	NOUN
framr-4076	313	4	operating	operate	VERB
framr-4076	313	5	in	in	ADP
framr-4076	313	6	a	a	DET
framr-4076	313	7	dynamic	dynamic	ADJ
framr-4076	313	8	sector	sector	NOUN
framr-4076	313	9	that	that	PRON
framr-4076	313	10	has	have	VERB
framr-4076	313	11	yet	yet	ADV
framr-4076	313	12	to	to	PART
framr-4076	313	13	be	be	AUX
framr-4076	313	14	fully	fully	ADV
framr-4076	313	15	developed	develop	VERB
framr-4076	313	16	,	,	PUNCT
framr-4076	313	17	achieving	achieve	VERB
framr-4076	313	18	and	and	CCONJ
framr-4076	313	19	maintaining	maintain	VERB
framr-4076	313	20	legitimacy	legitimacy	NOUN
framr-4076	313	21	to	to	PART
framr-4076	313	22	gain	gain	VERB
framr-4076	313	23	customers	customer	NOUN
framr-4076	313	24	'	'	PART
framr-4076	313	25	trust	trust	NOUN
framr-4076	313	26	,	,	PUNCT
framr-4076	313	27	secure	secure	ADJ
framr-4076	313	28	investments	investment	NOUN
framr-4076	313	29	,	,	PUNCT
framr-4076	313	30	and	and	CCONJ
framr-4076	313	31	meet	meet	VERB
framr-4076	313	32	regulatory	regulatory	ADJ
framr-4076	313	33	requirements	requirement	NOUN
framr-4076	313	34	is	be	AUX
framr-4076	313	35	crucial	crucial	ADJ
framr-4076	313	36	.	.	PUNCT
framr-4076	314	1	3.2.2	3.2.2	NUM
framr-4076	314	2	.	.	PUNCT
framr-4076	314	3	impact	impact	NOUN
framr-4076	314	4	of	of	ADP
framr-4076	314	5	greenwashing	greenwashe	VERB
framr-4076	314	6	on	on	ADP
framr-4076	314	7	organizational	organizational	ADJ
framr-4076	314	8	legitimacy	legitimacy	NOUN
framr-4076	314	9	the	the	DET
framr-4076	314	10	threat	threat	NOUN
framr-4076	314	11	of	of	ADP
framr-4076	314	12	greenwashing	greenwashing	NOUN
framr-4076	314	13	,	,	PUNCT
framr-4076	314	14	which	which	PRON
framr-4076	314	15	involves	involve	VERB
framr-4076	314	16	a	a	DET
framr-4076	314	17	company	company	NOUN
framr-4076	314	18	or	or	CCONJ
framr-4076	314	19	organization	organization	NOUN
framr-4076	314	20	deliberately	deliberately	ADV
framr-4076	314	21	providing	provide	VERB
framr-4076	314	22	its	its	PRON
framr-4076	314	23	stakeholders	stakeholder	NOUN
framr-4076	314	24	with	with	ADP
framr-4076	314	25	false	false	ADJ
framr-4076	314	26	perceptions	perception	NOUN
framr-4076	314	27	about	about	ADP
framr-4076	314	28	its	its	PRON
framr-4076	314	29	environmentally	environmentally	ADV
framr-4076	314	30	friendly	friendly	ADJ
framr-4076	314	31	products	product	NOUN
framr-4076	314	32	or	or	CCONJ
framr-4076	314	33	operations	operation	NOUN
framr-4076	314	34	,	,	PUNCT
framr-4076	314	35	has	have	AUX
framr-4076	314	36	jeopardized	jeopardize	VERB
framr-4076	314	37	fintech	fintech	NOUN
framr-4076	314	38	companies	company	NOUN
framr-4076	314	39	'	'	PART
framr-4076	314	40	legitimacy	legitimacy	NOUN
framr-4076	314	41	.	.	PUNCT
framr-4076	315	1	however	however	ADV
framr-4076	315	2	,	,	PUNCT
framr-4076	315	3	when	when	SCONJ
framr-4076	315	4	fintech	fintech	NOUN
framr-4076	315	5	firms	firm	NOUN
framr-4076	315	6	engage	engage	VERB
framr-4076	315	7	in	in	ADP
framr-4076	315	8	greenwashing	greenwashing	NOUN
framr-4076	315	9	,	,	PUNCT
framr-4076	315	10	they	they	PRON
framr-4076	315	11	risk	risk	VERB
framr-4076	315	12	losing	lose	VERB
framr-4076	315	13	the	the	DET
framr-4076	315	14	trust	trust	NOUN
framr-4076	315	15	of	of	ADP
framr-4076	315	16	shareholders	shareholder	NOUN
framr-4076	315	17	,	,	PUNCT
framr-4076	315	18	damaging	damage	VERB
framr-4076	315	19	their	their	PRON
framr-4076	315	20	reputation	reputation	NOUN
framr-4076	315	21	,	,	PUNCT
framr-4076	315	22	and	and	CCONJ
framr-4076	315	23	facing	face	VERB
framr-4076	315	24	the	the	DET
framr-4076	315	25	consequences	consequence	NOUN
framr-4076	315	26	imposed	impose	VERB
framr-4076	315	27	by	by	ADP
framr-4076	315	28	regulatory	regulatory	ADJ
framr-4076	315	29	authorities	authority	NOUN
framr-4076	315	30	,	,	PUNCT
framr-4076	315	31	all	all	PRON
framr-4076	315	32	of	of	ADP
framr-4076	315	33	which	which	PRON
framr-4076	315	34	erode	erode	VERB
framr-4076	315	35	their	their	PRON
framr-4076	315	36	organizational	organizational	ADJ
framr-4076	315	37	legitimacy	legitimacy	NOUN
framr-4076	315	38	.	.	PUNCT
framr-4076	316	1	in	in	ADP
framr-4076	316	2	this	this	DET
framr-4076	316	3	respect	respect	NOUN
framr-4076	316	4	,	,	PUNCT
framr-4076	316	5	greenwashing	greenwashing	NOUN
framr-4076	316	6	threatens	threaten	VERB
framr-4076	316	7	legitimacy	legitimacy	NOUN
framr-4076	316	8	as	as	SCONJ
framr-4076	316	9	it	it	PRON
framr-4076	316	10	creates	create	VERB
framr-4076	316	11	a	a	DET
framr-4076	316	12	misalignment	misalignment	NOUN
framr-4076	316	13	between	between	ADP
framr-4076	316	14	a	a	DET
framr-4076	316	15	firm	firm	NOUN
framr-4076	316	16	’s	’s	PART
framr-4076	316	17	words	word	NOUN
framr-4076	316	18	and	and	CCONJ
framr-4076	316	19	actions	action	NOUN
framr-4076	316	20	.	.	PUNCT
framr-4076	317	1	for	for	ADP
framr-4076	317	2	instance	instance	NOUN
framr-4076	317	3	,	,	PUNCT
framr-4076	317	4	when	when	SCONJ
framr-4076	317	5	a	a	DET
framr-4076	317	6	fintech	fintech	NOUN
framr-4076	317	7	firm	firm	NOUN
framr-4076	317	8	claims	claim	VERB
framr-4076	317	9	that	that	SCONJ
framr-4076	317	10	its	its	PRON
framr-4076	317	11	products	product	NOUN
framr-4076	317	12	are	be	AUX
framr-4076	317	13	environmentally	environmentally	ADV
framr-4076	317	14	friendly	friendly	ADJ
framr-4076	317	15	or	or	CCONJ
framr-4076	317	16	support	support	VERB
framr-4076	317	17	sustainability	sustainability	NOUN
framr-4076	317	18	but	but	CCONJ
framr-4076	317	19	,	,	PUNCT
framr-4076	317	20	in	in	ADP
framr-4076	317	21	reality	reality	NOUN
framr-4076	317	22	,	,	PUNCT
framr-4076	317	23	do	do	AUX
framr-4076	317	24	not	not	PART
framr-4076	317	25	contribute	contribute	VERB
framr-4076	317	26	to	to	ADP
framr-4076	317	27	this	this	DET
framr-4076	317	28	social	social	ADJ
framr-4076	317	29	cause	cause	NOUN
framr-4076	317	30	,	,	PUNCT
framr-4076	317	31	or	or	CCONJ
framr-4076	317	32	when	when	SCONJ
framr-4076	317	33	the	the	DET
framr-4076	317	34	firm	firm	NOUN
framr-4076	317	35	does	do	AUX
framr-4076	317	36	not	not	PART
framr-4076	317	37	support	support	VERB
framr-4076	317	38	sustainability	sustainability	NOUN
framr-4076	317	39	initiatives	initiative	NOUN
framr-4076	317	40	but	but	CCONJ
framr-4076	317	41	publicly	publicly	ADV
framr-4076	317	42	declares	declare	VERB
framr-4076	317	43	otherwise	otherwise	ADV
framr-4076	317	44	,	,	PUNCT
framr-4076	317	45	stakeholders	stakeholder	NOUN
framr-4076	317	46	will	will	AUX
framr-4076	317	47	view	view	VERB
framr-4076	317	48	the	the	DET
framr-4076	317	49	firm	firm	NOUN
framr-4076	317	50	as	as	ADP
framr-4076	317	51	deceptive	deceptive	ADJ
framr-4076	317	52	.	.	PUNCT
framr-4076	318	1	this	this	PRON
framr-4076	318	2	can	can	AUX
framr-4076	318	3	create	create	VERB
framr-4076	318	4	perceptions	perception	NOUN
framr-4076	318	5	that	that	PRON
framr-4076	318	6	are	be	AUX
framr-4076	318	7	hard	hard	ADJ
framr-4076	318	8	to	to	PART
framr-4076	318	9	dispel	dispel	VERB
framr-4076	318	10	,	,	PUNCT
framr-4076	318	11	and	and	CCONJ
framr-4076	318	12	organizations	organization	NOUN
framr-4076	318	13	and	and	CCONJ
framr-4076	318	14	individuals	individual	NOUN
framr-4076	318	15	who	who	PRON
framr-4076	318	16	lose	lose	VERB
framr-4076	318	17	the	the	DET
framr-4076	318	18	public	public	NOUN
framr-4076	318	19	’s	’s	PART
framr-4076	318	20	trust	trust	NOUN
framr-4076	318	21	do	do	VERB
framr-4076	318	22	so	so	ADV
framr-4076	318	23	at	at	ADP
framr-4076	318	24	a	a	DET
framr-4076	318	25	significant	significant	ADJ
framr-4076	318	26	cost	cost	NOUN
framr-4076	318	27	.	.	PUNCT
framr-4076	319	1	according	accord	VERB
framr-4076	319	2	to	to	ADP
framr-4076	319	3	seele	seele	PROPN
framr-4076	319	4	and	and	CCONJ
framr-4076	319	5	gatti	gatti	PROPN
framr-4076	319	6	(	(	PUNCT
framr-4076	319	7	2017	2017	NUM
framr-4076	319	8	)	)	PUNCT
framr-4076	319	9	greenwashing	greenwashing	NOUN
framr-4076	319	10	has	have	VERB
framr-4076	319	11	significant	significant	ADJ
framr-4076	319	12	consequences	consequence	NOUN
framr-4076	319	13	,	,	PUNCT
framr-4076	319	14	as	as	SCONJ
framr-4076	319	15	public	public	ADJ
framr-4076	319	16	trust	trust	NOUN
framr-4076	319	17	is	be	AUX
framr-4076	319	18	lost	lose	VERB
framr-4076	319	19	,	,	PUNCT
framr-4076	319	20	and	and	CCONJ
framr-4076	319	21	a	a	DET
framr-4076	319	22	company	company	NOUN
framr-4076	319	23	takes	take	VERB
framr-4076	319	24	a	a	DET
framr-4076	319	25	long	long	ADJ
framr-4076	319	26	time	time	NOUN
framr-4076	319	27	to	to	PART
framr-4076	319	28	regain	regain	VERB
framr-4076	319	29	it	it	PRON
framr-4076	319	30	.	.	PUNCT
framr-4076	320	1	however	however	ADV
framr-4076	320	2	,	,	PUNCT
framr-4076	320	3	greenwashing	greenwashing	NOUN
framr-4076	320	4	puts	put	VERB
framr-4076	320	5	a	a	DET
framr-4076	320	6	firm	firm	NOUN
framr-4076	320	7	under	under	ADP
framr-4076	320	8	the	the	DET
framr-4076	320	9	scrutiny	scrutiny	NOUN
framr-4076	320	10	of	of	ADP
framr-4076	320	11	regulatory	regulatory	ADJ
framr-4076	320	12	authorities	authority	NOUN
framr-4076	320	13	and	and	CCONJ
framr-4076	320	14	exposes	expose	VERB
framr-4076	320	15	it	it	PRON
framr-4076	320	16	to	to	ADP
framr-4076	320	17	costly	costly	ADJ
framr-4076	320	18	legal	legal	ADJ
framr-4076	320	19	suits	suit	NOUN
framr-4076	320	20	,	,	PUNCT
framr-4076	320	21	thereby	thereby	ADV
framr-4076	320	22	challenging	challenge	VERB
framr-4076	320	23	its	its	PRON
framr-4076	320	24	legitimacy	legitimacy	NOUN
framr-4076	320	25	.	.	PUNCT
framr-4076	321	1	various	various	ADJ
framr-4076	321	2	authorities	authority	NOUN
framr-4076	321	3	from	from	ADP
framr-4076	321	4	different	different	ADJ
framr-4076	321	5	countries	country	NOUN
framr-4076	321	6	,	,	PUNCT
framr-4076	321	7	including	include	VERB
framr-4076	321	8	the	the	DET
framr-4076	321	9	eu	eu	PROPN
framr-4076	321	10	green	green	ADJ
framr-4076	321	11	taxonomy	taxonomy	NOUN
framr-4076	321	12	and	and	CCONJ
framr-4076	321	13	the	the	DET
framr-4076	321	14	sec	sec	PROPN
framr-4076	321	15	in	in	ADP
framr-4076	321	16	the	the	DET
framr-4076	321	17	united	united	PROPN
framr-4076	321	18	states	states	PROPN
framr-4076	321	19	,	,	PUNCT
framr-4076	321	20	require	require	VERB
framr-4076	321	21	that	that	SCONJ
framr-4076	321	22	organizations	organization	NOUN
framr-4076	321	23	and	and	CCONJ
framr-4076	321	24	firms	firm	NOUN
framr-4076	321	25	not	not	PART
framr-4076	321	26	engage	engage	VERB
framr-4076	321	27	in	in	ADP
framr-4076	321	28	greenwashing	greenwashing	NOUN
framr-4076	321	29	but	but	CCONJ
framr-4076	321	30	instead	instead	ADV
framr-4076	321	31	disclose	disclose	VERB
framr-4076	321	32	accurate	accurate	ADJ
framr-4076	321	33	and	and	CCONJ
framr-4076	321	34	verifiable	verifiable	ADJ
framr-4076	321	35	information	information	NOUN
framr-4076	321	36	regarding	regard	VERB
framr-4076	321	37	their	their	PRON
framr-4076	321	38	environmental	environmental	ADJ
framr-4076	321	39	responsibility	responsibility	NOUN
framr-4076	321	40	.	.	PUNCT
framr-4076	322	1	for	for	ADP
framr-4076	322	2	instance	instance	NOUN
framr-4076	322	3	,	,	PUNCT
framr-4076	322	4	in	in	ADP
framr-4076	322	5	2021	2021	NUM
framr-4076	322	6	,	,	PUNCT
framr-4076	322	7	the	the	DET
framr-4076	322	8	sec	sec	PROPN
framr-4076	322	9	declared	declare	VERB
framr-4076	322	10	that	that	SCONJ
framr-4076	322	11	it	it	PRON
framr-4076	322	12	would	would	AUX
framr-4076	322	13	increase	increase	VERB
framr-4076	322	14	the	the	DET
framr-4076	322	15	scrutiny	scrutiny	NOUN
framr-4076	322	16	of	of	ADP
framr-4076	322	17	esg	esg	PROPN
framr-4076	322	18	disclosures	disclosure	NOUN
framr-4076	322	19	,	,	PUNCT
framr-4076	322	20	particularly	particularly	ADV
framr-4076	322	21	concerning	concern	VERB
framr-4076	322	22	environmental	environmental	ADJ
framr-4076	322	23	statements	statement	NOUN
framr-4076	322	24	(	(	PUNCT
framr-4076	322	25	u.s	u.s	PROPN
framr-4076	322	26	.	.	PROPN
framr-4076	322	27	securities	securities	PROPN
framr-4076	322	28	and	and	CCONJ
framr-4076	322	29	exchange	exchange	PROPN
framr-4076	322	30	commission	commission	PROPN
framr-4076	322	31	(	(	PUNCT
framr-4076	322	32	sec	sec	PROPN
framr-4076	322	33	)	)	PUNCT
framr-4076	322	34	,	,	PUNCT
framr-4076	322	35	2021	2021	NUM
framr-4076	322	36	)	)	PUNCT
framr-4076	322	37	.	.	PUNCT
framr-4076	323	1	the	the	DET
framr-4076	323	2	penalties	penalty	NOUN
framr-4076	323	3	for	for	ADP
framr-4076	323	4	such	such	ADJ
framr-4076	323	5	cases	case	NOUN
framr-4076	323	6	of	of	ADP
framr-4076	323	7	financial	financial	ADJ
framr-4076	323	8	risk	risk	NOUN
framr-4076	323	9	and	and	CCONJ
framr-4076	323	10	management	management	NOUN
framr-4076	323	11	reviews	review	NOUN
framr-4076	323	12	,	,	PUNCT
framr-4076	323	13	2025	2025	NUM
framr-4076	323	14	,	,	PUNCT
framr-4076	323	15	11(1	11(1	NUM
framr-4076	323	16	):	):	PUNCT
framr-4076	323	17	37	37	NUM
framr-4076	323	18	-	-	SYM
framr-4076	323	19	71	71	NUM
framr-4076	323	20	49	49	NUM
framr-4076	323	21	©	©	PROPN
framr-4076	323	22	2025	2025	NUM
framr-4076	323	23	conscientia	conscientia	PROPN
framr-4076	323	24	beam	beam	PROPN
framr-4076	323	25	.	.	PUNCT
framr-4076	324	1	all	all	DET
framr-4076	324	2	rights	right	NOUN
framr-4076	324	3	reserved	reserve	VERB
framr-4076	324	4	.	.	PUNCT
framr-4076	325	1	greenwashing	greenwashing	NOUN
framr-4076	325	2	may	may	AUX
framr-4076	325	3	include	include	VERB
framr-4076	325	4	fines	fine	NOUN
framr-4076	325	5	,	,	PUNCT
framr-4076	325	6	prosecution	prosecution	NOUN
framr-4076	325	7	,	,	PUNCT
framr-4076	325	8	restrictions	restriction	NOUN
framr-4076	325	9	on	on	ADP
framr-4076	325	10	business	business	NOUN
framr-4076	325	11	activities	activity	NOUN
framr-4076	325	12	,	,	PUNCT
framr-4076	325	13	and	and	CCONJ
framr-4076	325	14	,	,	PUNCT
framr-4076	325	15	in	in	ADP
framr-4076	325	16	worse	bad	ADJ
framr-4076	325	17	cases	case	NOUN
framr-4076	325	18	,	,	PUNCT
framr-4076	325	19	outright	outright	ADJ
framr-4076	325	20	closure	closure	NOUN
framr-4076	325	21	,	,	PUNCT
framr-4076	325	22	which	which	PRON
framr-4076	325	23	can	can	AUX
framr-4076	325	24	ultimately	ultimately	ADV
framr-4076	325	25	erode	erode	VERB
framr-4076	325	26	legitimacy	legitimacy	NOUN
framr-4076	325	27	.	.	PUNCT
framr-4076	326	1	the	the	DET
framr-4076	326	2	effect	effect	NOUN
framr-4076	326	3	of	of	ADP
framr-4076	326	4	greenwashing	greenwashe	VERB
framr-4076	326	5	on	on	ADP
framr-4076	326	6	organizational	organizational	ADJ
framr-4076	326	7	legitimacy	legitimacy	NOUN
framr-4076	326	8	is	be	AUX
framr-4076	326	9	compounded	compound	VERB
framr-4076	326	10	by	by	ADP
framr-4076	326	11	increasing	increase	VERB
framr-4076	326	12	concern	concern	NOUN
framr-4076	326	13	and	and	CCONJ
framr-4076	326	14	activism	activism	NOUN
framr-4076	326	15	among	among	ADP
framr-4076	326	16	customers	customer	NOUN
framr-4076	326	17	and	and	CCONJ
framr-4076	326	18	shareholders	shareholder	NOUN
framr-4076	326	19	regarding	regard	VERB
framr-4076	326	20	ecological	ecological	ADJ
framr-4076	326	21	matters	matter	NOUN
framr-4076	326	22	.	.	PUNCT
framr-4076	327	1	according	accord	VERB
framr-4076	327	2	to	to	ADP
framr-4076	327	3	lim	lim	PROPN
framr-4076	327	4	,	,	PUNCT
framr-4076	327	5	cheah	cheah	PROPN
framr-4076	327	6	,	,	PUNCT
framr-4076	327	7	ngo	ngo	PROPN
framr-4076	327	8	,	,	PUNCT
framr-4076	327	9	chan	chan	PROPN
framr-4076	327	10	,	,	PUNCT
framr-4076	327	11	and	and	CCONJ
framr-4076	327	12	ting	ting	PROPN
framr-4076	327	13	(	(	PUNCT
framr-4076	327	14	2023	2023	NUM
framr-4076	327	15	)	)	PUNCT
framr-4076	327	16	66	66	NUM
framr-4076	327	17	%	%	NOUN
framr-4076	327	18	of	of	ADP
framr-4076	327	19	global	global	ADJ
framr-4076	327	20	consumers	consumer	NOUN
framr-4076	327	21	are	be	AUX
framr-4076	327	22	willing	willing	ADJ
framr-4076	327	23	to	to	PART
framr-4076	327	24	pay	pay	VERB
framr-4076	327	25	a	a	DET
framr-4076	327	26	premium	premium	NOUN
framr-4076	327	27	for	for	ADP
framr-4076	327	28	sustainable	sustainable	ADJ
framr-4076	327	29	products	product	NOUN
framr-4076	327	30	,	,	PUNCT
framr-4076	327	31	and	and	CCONJ
framr-4076	327	32	81	81	NUM
framr-4076	327	33	%	%	NOUN
framr-4076	327	34	expect	expect	VERB
framr-4076	327	35	brands	brand	NOUN
framr-4076	327	36	to	to	PART
framr-4076	327	37	lead	lead	VERB
framr-4076	327	38	on	on	ADP
framr-4076	327	39	environmental	environmental	ADJ
framr-4076	327	40	change	change	NOUN
framr-4076	327	41	.	.	PUNCT
framr-4076	328	1	when	when	SCONJ
framr-4076	328	2	fintech	fintech	NOUN
framr-4076	328	3	companies	company	NOUN
framr-4076	328	4	engage	engage	VERB
framr-4076	328	5	in	in	ADP
framr-4076	328	6	greenwashing	greenwashing	NOUN
framr-4076	328	7	,	,	PUNCT
framr-4076	328	8	they	they	PRON
framr-4076	328	9	risk	risk	VERB
framr-4076	328	10	losing	lose	VERB
framr-4076	328	11	environmentally	environmentally	ADV
framr-4076	328	12	conscious	conscious	ADJ
framr-4076	328	13	consumers	consumer	NOUN
framr-4076	328	14	and	and	CCONJ
framr-4076	328	15	are	be	AUX
framr-4076	328	16	likely	likely	ADJ
framr-4076	328	17	to	to	PART
framr-4076	328	18	be	be	AUX
framr-4076	328	19	abandoned	abandon	VERB
framr-4076	328	20	by	by	ADP
framr-4076	328	21	ethical	ethical	ADJ
framr-4076	328	22	investors	investor	NOUN
framr-4076	328	23	.	.	PUNCT
framr-4076	329	1	sustainable	sustainable	ADJ
framr-4076	329	2	investment	investment	NOUN
framr-4076	329	3	funds	fund	NOUN
framr-4076	329	4	were	be	AUX
framr-4076	329	5	valued	value	VERB
framr-4076	329	6	at	at	ADP
framr-4076	329	7	$	$	SYM
framr-4076	329	8	35.3	35.3	NUM
framr-4076	329	9	trillion	trillion	NUM
framr-4076	329	10	globally	globally	ADV
framr-4076	329	11	in	in	ADP
framr-4076	329	12	2022	2022	NUM
framr-4076	329	13	,	,	PUNCT
framr-4076	329	14	representing	represent	VERB
framr-4076	329	15	a	a	DET
framr-4076	329	16	third	third	NOUN
framr-4076	329	17	of	of	ADP
framr-4076	329	18	the	the	DET
framr-4076	329	19	total	total	ADJ
framr-4076	329	20	aum	aum	NOUN
framr-4076	329	21	of	of	ADP
framr-4076	329	22	sustainable	sustainable	ADJ
framr-4076	329	23	investments	investment	NOUN
framr-4076	329	24	(	(	PUNCT
framr-4076	329	25	global	global	ADJ
framr-4076	329	26	sustainable	sustainable	ADJ
framr-4076	329	27	investment	investment	NOUN
framr-4076	329	28	alliance	alliance	NOUN
framr-4076	329	29	(	(	PUNCT
framr-4076	329	30	gsia	gsia	PROPN
framr-4076	329	31	)	)	PUNCT
framr-4076	329	32	,	,	PUNCT
framr-4076	329	33	2022	2022	NUM
framr-4076	329	34	)	)	PUNCT
framr-4076	329	35	.	.	PUNCT
framr-4076	330	1	shareholders	shareholder	NOUN
framr-4076	330	2	of	of	ADP
framr-4076	330	3	these	these	DET
framr-4076	330	4	funds	fund	NOUN
framr-4076	330	5	are	be	AUX
framr-4076	330	6	highly	highly	ADV
framr-4076	330	7	aware	aware	ADJ
framr-4076	330	8	of	of	ADP
framr-4076	330	9	greenwashing	greenwashing	NOUN
framr-4076	330	10	,	,	PUNCT
framr-4076	330	11	and	and	CCONJ
framr-4076	330	12	as	as	ADV
framr-4076	330	13	soon	soon	ADV
framr-4076	330	14	as	as	SCONJ
framr-4076	330	15	they	they	PRON
framr-4076	330	16	detect	detect	VERB
framr-4076	330	17	such	such	ADJ
framr-4076	330	18	deception	deception	NOUN
framr-4076	330	19	,	,	PUNCT
framr-4076	330	20	they	they	PRON
framr-4076	330	21	withdraw	withdraw	VERB
framr-4076	330	22	their	their	PRON
framr-4076	330	23	investments	investment	NOUN
framr-4076	330	24	,	,	PUNCT
framr-4076	330	25	erasing	erase	VERB
framr-4076	330	26	any	any	DET
framr-4076	330	27	legitimacy	legitimacy	NOUN
framr-4076	330	28	the	the	DET
framr-4076	330	29	company	company	NOUN
framr-4076	330	30	may	may	AUX
framr-4076	330	31	have	have	AUX
framr-4076	330	32	had	have	VERB
framr-4076	330	33	.	.	PUNCT
framr-4076	331	1	however	however	ADV
framr-4076	331	2	,	,	PUNCT
framr-4076	331	3	most	most	ADV
framr-4076	331	4	importantly	importantly	ADV
framr-4076	331	5	,	,	PUNCT
framr-4076	331	6	this	this	DET
framr-4076	331	7	study	study	NOUN
framr-4076	331	8	reveals	reveal	VERB
framr-4076	331	9	that	that	SCONJ
framr-4076	331	10	greenwashing	greenwashing	NOUN
framr-4076	331	11	puts	put	VERB
framr-4076	331	12	organizational	organizational	ADJ
framr-4076	331	13	legitimacy	legitimacy	NOUN
framr-4076	331	14	at	at	ADP
framr-4076	331	15	risk	risk	NOUN
framr-4076	331	16	in	in	ADP
framr-4076	331	17	the	the	DET
framr-4076	331	18	current	current	ADJ
framr-4076	331	19	year	year	NOUN
framr-4076	331	20	and	and	CCONJ
framr-4076	331	21	in	in	ADP
framr-4076	331	22	the	the	DET
framr-4076	331	23	future	future	NOUN
framr-4076	331	24	.	.	PUNCT
framr-4076	332	1	it	it	PRON
framr-4076	332	2	also	also	ADV
framr-4076	332	3	limits	limit	VERB
framr-4076	332	4	a	a	DET
framr-4076	332	5	company	company	NOUN
framr-4076	332	6	’s	’s	PART
framr-4076	332	7	capacity	capacity	NOUN
framr-4076	332	8	to	to	PART
framr-4076	332	9	adapt	adapt	VERB
framr-4076	332	10	and	and	CCONJ
framr-4076	332	11	develop	develop	VERB
framr-4076	332	12	its	its	PRON
framr-4076	332	13	products	product	NOUN
framr-4076	332	14	and	and	CCONJ
framr-4076	332	15	services	service	NOUN
framr-4076	332	16	.	.	PUNCT
framr-4076	333	1	since	since	SCONJ
framr-4076	333	2	fintech	fintech	NOUN
framr-4076	333	3	businesses	business	NOUN
framr-4076	333	4	depend	depend	VERB
framr-4076	333	5	on	on	ADP
framr-4076	333	6	technology	technology	NOUN
framr-4076	333	7	and	and	CCONJ
framr-4076	333	8	customers	customer	NOUN
framr-4076	333	9	to	to	PART
framr-4076	333	10	function	function	VERB
framr-4076	333	11	,	,	PUNCT
framr-4076	333	12	it	it	PRON
framr-4076	333	13	is	be	AUX
framr-4076	333	14	critical	critical	ADJ
framr-4076	333	15	to	to	PART
framr-4076	333	16	maintain	maintain	VERB
framr-4076	333	17	a	a	DET
framr-4076	333	18	suitable	suitable	ADJ
framr-4076	333	19	and	and	CCONJ
framr-4076	333	20	lawful	lawful	ADJ
framr-4076	333	21	image	image	NOUN
framr-4076	333	22	.	.	PUNCT
framr-4076	334	1	greenwashing	greenwashe	VERB
framr-4076	334	2	damages	damage	NOUN
framr-4076	334	3	this	this	DET
framr-4076	334	4	image	image	NOUN
framr-4076	334	5	and	and	CCONJ
framr-4076	334	6	fosters	foster	VERB
framr-4076	334	7	skepticism	skepticism	NOUN
framr-4076	334	8	and	and	CCONJ
framr-4076	334	9	distrust	distrust	NOUN
framr-4076	334	10	,	,	PUNCT
framr-4076	334	11	which	which	PRON
framr-4076	334	12	hinders	hinder	VERB
framr-4076	334	13	the	the	DET
framr-4076	334	14	continuous	continuous	ADJ
framr-4076	334	15	improvement	improvement	NOUN
framr-4076	334	16	of	of	ADP
framr-4076	334	17	new	new	ADJ
framr-4076	334	18	innovations	innovation	NOUN
framr-4076	334	19	and	and	CCONJ
framr-4076	334	20	reduces	reduce	VERB
framr-4076	334	21	consumers	consumer	NOUN
framr-4076	334	22	’	'	PUNCT
framr-4076	334	23	and	and	CCONJ
framr-4076	334	24	partners	partner	NOUN
framr-4076	334	25	’	'	PUNCT
framr-4076	334	26	willingness	willingness	NOUN
framr-4076	334	27	to	to	PART
framr-4076	334	28	engage	engage	VERB
framr-4076	334	29	with	with	ADP
framr-4076	334	30	the	the	DET
framr-4076	334	31	company	company	NOUN
framr-4076	334	32	.	.	PUNCT
framr-4076	335	1	3.3	3.3	NUM
framr-4076	335	2	.	.	PUNCT
framr-4076	336	1	signaling	signal	VERB
framr-4076	336	2	theory	theory	NOUN
framr-4076	336	3	3.3.1	3.3.1	NUM
framr-4076	336	4	.	.	PUNCT
framr-4076	336	5	basic	basic	ADJ
framr-4076	336	6	principles	principle	NOUN
framr-4076	336	7	of	of	ADP
framr-4076	336	8	signaling	signal	VERB
framr-4076	336	9	theory	theory	NOUN
framr-4076	336	10	signaling	signal	VERB
framr-4076	336	11	theory	theory	NOUN
framr-4076	336	12	can	can	AUX
framr-4076	336	13	be	be	AUX
framr-4076	336	14	attributed	attribute	VERB
framr-4076	336	15	to	to	ADP
framr-4076	336	16	michael	michael	PROPN
framr-4076	336	17	spence	spence	PROPN
framr-4076	336	18	,	,	PUNCT
framr-4076	336	19	who	who	PRON
framr-4076	336	20	presented	present	VERB
framr-4076	336	21	it	it	PRON
framr-4076	336	22	in	in	ADP
framr-4076	336	23	1973	1973	NUM
framr-4076	336	24	.	.	PUNCT
framr-4076	337	1	it	it	PRON
framr-4076	337	2	deals	deal	VERB
framr-4076	337	3	with	with	ADP
framr-4076	337	4	information	information	NOUN
framr-4076	337	5	asymmetry	asymmetry	NOUN
framr-4076	337	6	and	and	CCONJ
framr-4076	337	7	how	how	SCONJ
framr-4076	337	8	the	the	DET
framr-4076	337	9	party	party	NOUN
framr-4076	337	10	with	with	ADP
framr-4076	337	11	the	the	DET
framr-4076	337	12	information	information	NOUN
framr-4076	337	13	,	,	PUNCT
framr-4076	337	14	such	such	ADJ
framr-4076	337	15	as	as	ADP
framr-4076	337	16	the	the	DET
framr-4076	337	17	seller	seller	NOUN
framr-4076	337	18	or	or	CCONJ
framr-4076	337	19	the	the	DET
framr-4076	337	20	company	company	NOUN
framr-4076	337	21	,	,	PUNCT
framr-4076	337	22	holds	hold	VERB
framr-4076	337	23	information	information	NOUN
framr-4076	337	24	not	not	PART
framr-4076	337	25	available	available	ADJ
framr-4076	337	26	to	to	ADP
framr-4076	337	27	the	the	DET
framr-4076	337	28	other	other	ADJ
framr-4076	337	29	party	party	NOUN
framr-4076	337	30	,	,	PUNCT
framr-4076	337	31	like	like	ADP
framr-4076	337	32	the	the	DET
framr-4076	337	33	buyer	buyer	NOUN
framr-4076	337	34	or	or	CCONJ
framr-4076	337	35	the	the	DET
framr-4076	337	36	stakeholder	stakeholder	NOUN
framr-4076	337	37	.	.	PUNCT
framr-4076	338	1	according	accord	VERB
framr-4076	338	2	to	to	ADP
framr-4076	338	3	the	the	DET
framr-4076	338	4	theory	theory	NOUN
framr-4076	338	5	,	,	PUNCT
framr-4076	338	6	this	this	DET
framr-4076	338	7	gap	gap	NOUN
framr-4076	338	8	is	be	AUX
framr-4076	338	9	bridged	bridge	VERB
framr-4076	338	10	when	when	SCONJ
framr-4076	338	11	the	the	DET
framr-4076	338	12	informed	informed	ADJ
framr-4076	338	13	party	party	NOUN
framr-4076	338	14	sends	send	VERB
framr-4076	338	15	a	a	DET
framr-4076	338	16	signal	signal	NOUN
framr-4076	338	17	to	to	PART
framr-4076	338	18	communicate	communicate	VERB
framr-4076	338	19	qualities	quality	NOUN
framr-4076	338	20	or	or	CCONJ
framr-4076	338	21	intentions	intention	NOUN
framr-4076	338	22	that	that	PRON
framr-4076	338	23	would	would	AUX
framr-4076	338	24	otherwise	otherwise	ADV
framr-4076	338	25	be	be	AUX
framr-4076	338	26	impossible	impossible	ADJ
framr-4076	338	27	for	for	SCONJ
framr-4076	338	28	the	the	DET
framr-4076	338	29	other	other	ADJ
framr-4076	338	30	party	party	NOUN
framr-4076	338	31	to	to	PART
framr-4076	338	32	observe	observe	VERB
framr-4076	338	33	.	.	PUNCT
framr-4076	339	1	such	such	ADJ
framr-4076	339	2	signals	signal	NOUN
framr-4076	339	3	can	can	AUX
framr-4076	339	4	take	take	VERB
framr-4076	339	5	actions	action	NOUN
framr-4076	339	6	,	,	PUNCT
framr-4076	339	7	statements	statement	NOUN
framr-4076	339	8	,	,	PUNCT
framr-4076	339	9	or	or	CCONJ
framr-4076	339	10	any	any	DET
framr-4076	339	11	other	other	ADJ
framr-4076	339	12	form	form	NOUN
framr-4076	339	13	of	of	ADP
framr-4076	339	14	communication	communication	NOUN
framr-4076	339	15	that	that	PRON
framr-4076	339	16	helps	help	VERB
framr-4076	339	17	reduce	reduce	VERB
framr-4076	339	18	uncertainty	uncertainty	NOUN
framr-4076	339	19	.	.	PUNCT
framr-4076	340	1	when	when	SCONJ
framr-4076	340	2	applied	apply	VERB
framr-4076	340	3	to	to	ADP
framr-4076	340	4	business	business	NOUN
framr-4076	340	5	,	,	PUNCT
framr-4076	340	6	signaling	signal	VERB
framr-4076	340	7	theory	theory	NOUN
framr-4076	340	8	clearly	clearly	ADV
framr-4076	340	9	explains	explain	VERB
framr-4076	340	10	how	how	SCONJ
framr-4076	340	11	companies	company	NOUN
framr-4076	340	12	convey	convey	VERB
framr-4076	340	13	information	information	NOUN
framr-4076	340	14	about	about	ADP
framr-4076	340	15	their	their	PRON
framr-4076	340	16	value	value	NOUN
framr-4076	340	17	,	,	PUNCT
framr-4076	340	18	quality	quality	NOUN
framr-4076	340	19	,	,	PUNCT
framr-4076	340	20	and	and	CCONJ
framr-4076	340	21	intentions	intention	NOUN
framr-4076	340	22	to	to	ADP
framr-4076	340	23	other	other	ADJ
framr-4076	340	24	agents	agent	NOUN
framr-4076	340	25	,	,	PUNCT
framr-4076	340	26	such	such	ADJ
framr-4076	340	27	as	as	ADP
framr-4076	340	28	investors	investor	NOUN
framr-4076	340	29	,	,	PUNCT
framr-4076	340	30	customers	customer	NOUN
framr-4076	340	31	,	,	PUNCT
framr-4076	340	32	and	and	CCONJ
framr-4076	340	33	regulators	regulator	NOUN
framr-4076	340	34	.	.	PUNCT
framr-4076	341	1	the	the	DET
framr-4076	341	2	premise	premise	NOUN
framr-4076	341	3	upon	upon	SCONJ
framr-4076	341	4	which	which	PRON
framr-4076	341	5	it	it	PRON
framr-4076	341	6	rests	rest	VERB
framr-4076	341	7	is	be	AUX
framr-4076	341	8	that	that	SCONJ
framr-4076	341	9	factors	factor	NOUN
framr-4076	341	10	considered	consider	VERB
framr-4076	341	11	"	"	PUNCT
framr-4076	341	12	credible	credible	ADJ
framr-4076	341	13	"	"	PUNCT
framr-4076	341	14	can	can	AUX
framr-4076	341	15	not	not	PART
framr-4076	341	16	be	be	AUX
framr-4076	341	17	easily	easily	ADV
framr-4076	341	18	faked	fake	VERB
framr-4076	341	19	or	or	CCONJ
framr-4076	341	20	replicated	replicate	VERB
framr-4076	341	21	—	—	PUNCT
framr-4076	341	22	in	in	ADP
framr-4076	341	23	other	other	ADJ
framr-4076	341	24	words	word	NOUN
framr-4076	341	25	,	,	PUNCT
framr-4076	341	26	they	they	PRON
framr-4076	341	27	are	be	AUX
framr-4076	341	28	costly	costly	ADJ
framr-4076	341	29	or	or	CCONJ
framr-4076	341	30	difficult	difficult	ADJ
framr-4076	341	31	to	to	PART
framr-4076	341	32	mimic	mimic	VERB
framr-4076	341	33	.	.	PUNCT
framr-4076	342	1	they	they	PRON
framr-4076	342	2	are	be	AUX
framr-4076	342	3	,	,	PUNCT
framr-4076	342	4	therefore	therefore	ADV
framr-4076	342	5	,	,	PUNCT
framr-4076	342	6	effective	effective	ADJ
framr-4076	342	7	signals	signal	NOUN
framr-4076	342	8	of	of	ADP
framr-4076	342	9	the	the	DET
framr-4076	342	10	traits	trait	NOUN
framr-4076	342	11	that	that	PRON
framr-4076	342	12	define	define	VERB
framr-4076	342	13	a	a	DET
framr-4076	342	14	company	company	NOUN
framr-4076	342	15	.	.	PUNCT
framr-4076	343	1	for	for	ADP
framr-4076	343	2	instance	instance	NOUN
framr-4076	343	3	,	,	PUNCT
framr-4076	343	4	those	those	PRON
framr-4076	343	5	engaged	engage	VERB
framr-4076	343	6	in	in	ADP
framr-4076	343	7	environmentally	environmentally	ADV
framr-4076	343	8	friendly	friendly	ADJ
framr-4076	343	9	practices	practice	NOUN
framr-4076	343	10	when	when	SCONJ
framr-4076	343	11	managing	manage	VERB
framr-4076	343	12	their	their	PRON
framr-4076	343	13	organizations	organization	NOUN
framr-4076	343	14	communicate	communicate	VERB
framr-4076	343	15	to	to	ADP
framr-4076	343	16	stakeholders	stakeholder	NOUN
framr-4076	343	17	that	that	SCONJ
framr-4076	343	18	they	they	PRON
framr-4076	343	19	are	be	AUX
framr-4076	343	20	sincere	sincere	ADJ
framr-4076	343	21	in	in	ADP
framr-4076	343	22	their	their	PRON
framr-4076	343	23	stewardship	stewardship	NOUN
framr-4076	343	24	responsibilities	responsibility	NOUN
framr-4076	343	25	.	.	PUNCT
framr-4076	344	1	in	in	ADP
framr-4076	344	2	contrast	contrast	NOUN
framr-4076	344	3	,	,	PUNCT
framr-4076	344	4	favorable	favorable	ADJ
framr-4076	344	5	or	or	CCONJ
framr-4076	344	6	accurate	accurate	ADJ
framr-4076	344	7	signals	signal	NOUN
framr-4076	344	8	can	can	AUX
framr-4076	344	9	create	create	VERB
framr-4076	344	10	trust	trust	NOUN
framr-4076	344	11	and	and	CCONJ
framr-4076	344	12	a	a	DET
framr-4076	344	13	positive	positive	ADJ
framr-4076	344	14	brand	brand	NOUN
framr-4076	344	15	image	image	NOUN
framr-4076	344	16	,	,	PUNCT
framr-4076	344	17	while	while	SCONJ
framr-4076	344	18	negative	negative	ADJ
framr-4076	344	19	or	or	CCONJ
framr-4076	344	20	vague	vague	ADJ
framr-4076	344	21	signals	signal	NOUN
framr-4076	344	22	,	,	PUNCT
framr-4076	344	23	such	such	ADJ
framr-4076	344	24	as	as	ADP
framr-4076	344	25	greenwashing	greenwashing	NOUN
framr-4076	344	26	,	,	PUNCT
framr-4076	344	27	can	can	AUX
framr-4076	344	28	harm	harm	VERB
framr-4076	344	29	the	the	DET
framr-4076	344	30	business	business	NOUN
framr-4076	344	31	's	's	PART
framr-4076	344	32	brand	brand	NOUN
framr-4076	344	33	image	image	NOUN
framr-4076	344	34	.	.	PUNCT
framr-4076	345	1	information	information	NOUN
framr-4076	345	2	asymmetry	asymmetry	NOUN
framr-4076	345	3	is	be	AUX
framr-4076	345	4	best	well	ADV
framr-4076	345	5	explained	explain	VERB
framr-4076	345	6	by	by	ADP
framr-4076	345	7	signaling	signal	VERB
framr-4076	345	8	theory	theory	NOUN
framr-4076	345	9	,	,	PUNCT
framr-4076	345	10	primarily	primarily	ADV
framr-4076	345	11	when	when	SCONJ
framr-4076	345	12	consumers	consumer	NOUN
framr-4076	345	13	or	or	CCONJ
framr-4076	345	14	investors	investor	NOUN
framr-4076	345	15	can	can	AUX
framr-4076	345	16	not	not	PART
framr-4076	345	17	physically	physically	ADV
framr-4076	345	18	assess	assess	VERB
framr-4076	345	19	the	the	DET
framr-4076	345	20	quality	quality	NOUN
framr-4076	345	21	or	or	CCONJ
framr-4076	345	22	ethical	ethical	ADJ
framr-4076	345	23	level	level	NOUN
framr-4076	345	24	of	of	ADP
framr-4076	345	25	specific	specific	ADJ
framr-4076	345	26	products	product	NOUN
framr-4076	345	27	from	from	ADP
framr-4076	345	28	certain	certain	ADJ
framr-4076	345	29	firms	firm	NOUN
framr-4076	345	30	or	or	CCONJ
framr-4076	345	31	companies	company	NOUN
framr-4076	345	32	.	.	PUNCT
framr-4076	346	1	in	in	ADP
framr-4076	346	2	such	such	ADJ
framr-4076	346	3	situations	situation	NOUN
framr-4076	346	4	,	,	PUNCT
framr-4076	346	5	organizations	organization	NOUN
framr-4076	346	6	employ	employ	VERB
framr-4076	346	7	various	various	ADJ
framr-4076	346	8	forms	form	NOUN
framr-4076	346	9	of	of	ADP
framr-4076	346	10	signaling	signal	VERB
framr-4076	346	11	,	,	PUNCT
framr-4076	346	12	like	like	ADP
framr-4076	346	13	certification	certification	NOUN
framr-4076	346	14	labels	label	NOUN
framr-4076	346	15	,	,	PUNCT
framr-4076	346	16	third	third	ADJ
framr-4076	346	17	-	-	PUNCT
framr-4076	346	18	party	party	NOUN
framr-4076	346	19	endorsements	endorsement	NOUN
framr-4076	346	20	,	,	PUNCT
framr-4076	346	21	or	or	CCONJ
framr-4076	346	22	sustainability	sustainability	NOUN
framr-4076	346	23	reports	report	NOUN
framr-4076	346	24	,	,	PUNCT
framr-4076	346	25	to	to	PART
framr-4076	346	26	express	express	VERB
framr-4076	346	27	their	their	PRON
framr-4076	346	28	adherence	adherence	NOUN
framr-4076	346	29	to	to	ADP
framr-4076	346	30	various	various	ADJ
framr-4076	346	31	values	value	NOUN
framr-4076	346	32	,	,	PUNCT
framr-4076	346	33	one	one	NUM
framr-4076	346	34	of	of	ADP
framr-4076	346	35	which	which	PRON
framr-4076	346	36	is	be	AUX
framr-4076	346	37	environmental	environmental	ADJ
framr-4076	346	38	sustainability	sustainability	NOUN
framr-4076	346	39	.	.	PUNCT
framr-4076	347	1	connelly	connelly	PROPN
framr-4076	347	2	,	,	PUNCT
framr-4076	347	3	certo	certo	PROPN
framr-4076	347	4	,	,	PUNCT
framr-4076	347	5	ireland	ireland	NOUN
framr-4076	347	6	,	,	PUNCT
framr-4076	347	7	and	and	CCONJ
framr-4076	347	8	reutzel	reutzel	NOUN
framr-4076	347	9	(	(	PUNCT
framr-4076	347	10	2011	2011	NUM
framr-4076	347	11	)	)	PUNCT
framr-4076	347	12	noted	note	VERB
framr-4076	347	13	that	that	SCONJ
framr-4076	347	14	signaling	signal	VERB
framr-4076	347	15	is	be	AUX
framr-4076	347	16	pivotal	pivotal	ADJ
framr-4076	347	17	in	in	ADP
framr-4076	347	18	reducing	reduce	VERB
framr-4076	347	19	information	information	NOUN
framr-4076	347	20	asymmetry	asymmetry	NOUN
framr-4076	347	21	and	and	CCONJ
framr-4076	347	22	developing	develop	VERB
framr-4076	347	23	trust	trust	NOUN
framr-4076	347	24	between	between	ADP
framr-4076	347	25	the	the	DET
framr-4076	347	26	firm	firm	NOUN
framr-4076	347	27	and	and	CCONJ
framr-4076	347	28	its	its	PRON
framr-4076	347	29	external	external	ADJ
framr-4076	347	30	stakeholders	stakeholder	NOUN
framr-4076	347	31	.	.	PUNCT
framr-4076	348	1	3.3.2	3.3.2	X
framr-4076	348	2	.	.	X
framr-4076	348	3	application	application	NOUN
framr-4076	348	4	to	to	ADP
framr-4076	348	5	greenwashing	greenwashing	NOUN
framr-4076	348	6	practices	practice	NOUN
framr-4076	348	7	in	in	ADP
framr-4076	348	8	fintech	fintech	NOUN
framr-4076	348	9	signaling	signal	VERB
framr-4076	348	10	theory	theory	NOUN
framr-4076	348	11	is	be	AUX
framr-4076	348	12	of	of	ADP
framr-4076	348	13	great	great	ADJ
framr-4076	348	14	significance	significance	NOUN
framr-4076	348	15	in	in	ADP
framr-4076	348	16	the	the	DET
framr-4076	348	17	fintech	fintech	NOUN
framr-4076	348	18	industry	industry	NOUN
framr-4076	348	19	for	for	ADP
framr-4076	348	20	understanding	understand	VERB
framr-4076	348	21	how	how	SCONJ
framr-4076	348	22	companies	company	NOUN
framr-4076	348	23	can	can	AUX
framr-4076	348	24	communicate	communicate	VERB
framr-4076	348	25	their	their	PRON
framr-4076	348	26	environmental	environmental	ADJ
framr-4076	348	27	and	and	CCONJ
framr-4076	348	28	sustainability	sustainability	NOUN
framr-4076	348	29	information	information	NOUN
framr-4076	348	30	to	to	ADP
framr-4076	348	31	interested	interested	ADJ
framr-4076	348	32	stakeholders	stakeholder	NOUN
framr-4076	348	33	.	.	PUNCT
framr-4076	349	1	like	like	ADP
framr-4076	349	2	most	most	ADJ
framr-4076	349	3	other	other	ADJ
framr-4076	349	4	industries	industry	NOUN
framr-4076	349	5	,	,	PUNCT
framr-4076	349	6	the	the	DET
framr-4076	349	7	fintech	fintech	NOUN
framr-4076	349	8	industry	industry	NOUN
framr-4076	349	9	operates	operate	VERB
framr-4076	349	10	in	in	ADP
framr-4076	349	11	a	a	DET
framr-4076	349	12	world	world	NOUN
framr-4076	349	13	where	where	SCONJ
framr-4076	349	14	stakeholder	stakeholder	NOUN
framr-4076	349	15	entities	entity	NOUN
framr-4076	349	16	with	with	ADP
framr-4076	349	17	interests	interest	NOUN
framr-4076	349	18	in	in	ADP
framr-4076	349	19	the	the	DET
framr-4076	349	20	sector	sector	NOUN
framr-4076	349	21	,	,	PUNCT
framr-4076	349	22	including	include	VERB
framr-4076	349	23	clients	client	NOUN
framr-4076	349	24	and	and	CCONJ
framr-4076	349	25	investors	investor	NOUN
framr-4076	349	26	,	,	PUNCT
framr-4076	349	27	are	be	AUX
framr-4076	349	28	becoming	become	VERB
framr-4076	349	29	more	more	ADV
framr-4076	349	30	conscious	conscious	ADJ
framr-4076	349	31	of	of	ADP
framr-4076	349	32	sustainability	sustainability	NOUN
framr-4076	349	33	.	.	PUNCT
framr-4076	350	1	this	this	DET
framr-4076	350	2	concern	concern	NOUN
framr-4076	350	3	creates	create	VERB
framr-4076	350	4	a	a	DET
framr-4076	350	5	powerful	powerful	ADJ
framr-4076	350	6	financial	financial	ADJ
framr-4076	350	7	risk	risk	NOUN
framr-4076	350	8	and	and	CCONJ
framr-4076	350	9	management	management	NOUN
framr-4076	350	10	reviews	review	NOUN
framr-4076	350	11	,	,	PUNCT
framr-4076	350	12	2025	2025	NUM
framr-4076	350	13	,	,	PUNCT
framr-4076	350	14	11(1	11(1	NUM
framr-4076	350	15	):	):	PUNCT
framr-4076	350	16	37	37	NUM
framr-4076	350	17	-	-	SYM
framr-4076	350	18	71	71	NUM
framr-4076	350	19	50	50	NUM
framr-4076	350	20	©	©	PROPN
framr-4076	350	21	2025	2025	NUM
framr-4076	350	22	conscientia	conscientia	PROPN
framr-4076	350	23	beam	beam	PROPN
framr-4076	350	24	.	.	PUNCT
framr-4076	351	1	all	all	DET
framr-4076	351	2	rights	right	NOUN
framr-4076	351	3	reserved	reserve	VERB
framr-4076	351	4	.	.	PUNCT
framr-4076	352	1	incentive	incentive	NOUN
framr-4076	352	2	for	for	SCONJ
framr-4076	352	3	corporations	corporation	NOUN
framr-4076	352	4	to	to	PART
framr-4076	352	5	establish	establish	VERB
framr-4076	352	6	credibility	credibility	NOUN
framr-4076	352	7	by	by	ADP
framr-4076	352	8	demonstrating	demonstrate	VERB
framr-4076	352	9	their	their	PRON
framr-4076	352	10	commitment	commitment	NOUN
framr-4076	352	11	to	to	ADP
framr-4076	352	12	sustainable	sustainable	ADJ
framr-4076	352	13	development	development	NOUN
framr-4076	352	14	strategies	strategy	NOUN
framr-4076	352	15	,	,	PUNCT
framr-4076	352	16	which	which	PRON
framr-4076	352	17	can	can	AUX
framr-4076	352	18	be	be	AUX
framr-4076	352	19	done	do	VERB
framr-4076	352	20	through	through	ADP
framr-4076	352	21	advertising	advertising	NOUN
framr-4076	352	22	,	,	PUNCT
framr-4076	352	23	a	a	DET
framr-4076	352	24	specific	specific	ADJ
framr-4076	352	25	logo	logo	NOUN
framr-4076	352	26	,	,	PUNCT
framr-4076	352	27	or	or	CCONJ
framr-4076	352	28	sustainability	sustainability	NOUN
framr-4076	352	29	reports	report	NOUN
framr-4076	352	30	.	.	PUNCT
framr-4076	353	1	however	however	ADV
framr-4076	353	2	,	,	PUNCT
framr-4076	353	3	when	when	SCONJ
framr-4076	353	4	such	such	ADJ
framr-4076	353	5	signals	signal	NOUN
framr-4076	353	6	are	be	AUX
framr-4076	353	7	false	false	ADJ
framr-4076	353	8	or	or	CCONJ
framr-4076	353	9	lack	lack	VERB
framr-4076	353	10	objective	objective	ADJ
framr-4076	353	11	support	support	NOUN
framr-4076	353	12	in	in	ADP
framr-4076	353	13	the	the	DET
framr-4076	353	14	corresponding	corresponding	ADJ
framr-4076	353	15	actions	action	NOUN
framr-4076	353	16	,	,	PUNCT
framr-4076	353	17	they	they	PRON
framr-4076	353	18	become	become	VERB
framr-4076	353	19	greenwashing	greenwashe	VERB
framr-4076	353	20	.	.	PUNCT
framr-4076	354	1	‘	'	PUNCT
framr-4076	354	2	greenwashing	greenwashing	NOUN
framr-4076	354	3	’	'	PUNCT
framr-4076	354	4	is	be	AUX
framr-4076	354	5	a	a	DET
framr-4076	354	6	process	process	NOUN
framr-4076	354	7	where	where	SCONJ
framr-4076	354	8	an	an	DET
framr-4076	354	9	organization	organization	NOUN
framr-4076	354	10	makes	make	VERB
framr-4076	354	11	a	a	DET
framr-4076	354	12	product	product	NOUN
framr-4076	354	13	appear	appear	VERB
framr-4076	354	14	more	more	ADV
framr-4076	354	15	environmentally	environmentally	ADV
framr-4076	354	16	friendly	friendly	ADJ
framr-4076	354	17	than	than	SCONJ
framr-4076	354	18	it	it	PRON
framr-4076	354	19	actually	actually	ADV
framr-4076	354	20	is	be	AUX
framr-4076	354	21	,	,	PUNCT
framr-4076	354	22	using	use	VERB
framr-4076	354	23	fake	fake	ADJ
framr-4076	354	24	signs	sign	NOUN
framr-4076	354	25	and	and	CCONJ
framr-4076	354	26	signals	signal	NOUN
framr-4076	354	27	meant	mean	VERB
framr-4076	354	28	to	to	PART
framr-4076	354	29	attract	attract	VERB
framr-4076	354	30	environmentally	environmentally	ADV
framr-4076	354	31	concerned	concerned	ADJ
framr-4076	354	32	consumers	consumer	NOUN
framr-4076	354	33	and	and	CCONJ
framr-4076	354	34	investors	investor	NOUN
framr-4076	354	35	.	.	PUNCT
framr-4076	355	1	for	for	ADP
framr-4076	355	2	instance	instance	NOUN
framr-4076	355	3	,	,	PUNCT
framr-4076	355	4	a	a	DET
framr-4076	355	5	fintech	fintech	NOUN
framr-4076	355	6	company	company	NOUN
framr-4076	355	7	may	may	AUX
framr-4076	355	8	claim	claim	VERB
framr-4076	355	9	that	that	SCONJ
framr-4076	355	10	their	their	PRON
framr-4076	355	11	services	service	NOUN
framr-4076	355	12	are	be	AUX
framr-4076	355	13	‘	'	PUNCT
framr-4076	355	14	green	green	ADJ
framr-4076	355	15	’	'	PUNCT
framr-4076	355	16	or	or	CCONJ
framr-4076	355	17	‘	'	PUNCT
framr-4076	355	18	sustainable	sustainable	ADJ
framr-4076	355	19	,	,	PUNCT
framr-4076	355	20	’	'	PUNCT
framr-4076	355	21	while	while	SCONJ
framr-4076	355	22	the	the	DET
framr-4076	355	23	activities	activity	NOUN
framr-4076	355	24	,	,	PUNCT
framr-4076	355	25	products	product	NOUN
framr-4076	355	26	,	,	PUNCT
framr-4076	355	27	or	or	CCONJ
framr-4076	355	28	services	service	NOUN
framr-4076	355	29	they	they	PRON
framr-4076	355	30	provide	provide	VERB
framr-4076	355	31	do	do	AUX
framr-4076	355	32	not	not	PART
framr-4076	355	33	necessarily	necessarily	ADV
framr-4076	355	34	support	support	VERB
framr-4076	355	35	the	the	DET
framr-4076	355	36	environment	environment	NOUN
framr-4076	355	37	.	.	PUNCT
framr-4076	356	1	this	this	PRON
framr-4076	356	2	can	can	AUX
framr-4076	356	3	involve	involve	VERB
framr-4076	356	4	general	general	ADJ
framr-4076	356	5	and	and	CCONJ
framr-4076	356	6	unsubstantiated	unsubstantiated	ADJ
framr-4076	356	7	statements	statement	NOUN
framr-4076	356	8	about	about	ADP
framr-4076	356	9	reducing	reduce	VERB
framr-4076	356	10	carbon	carbon	NOUN
framr-4076	356	11	emissions	emission	NOUN
framr-4076	356	12	,	,	PUNCT
framr-4076	356	13	generating	generate	VERB
framr-4076	356	14	energy	energy	NOUN
framr-4076	356	15	from	from	ADP
framr-4076	356	16	renewable	renewable	ADJ
framr-4076	356	17	sources	source	NOUN
framr-4076	356	18	,	,	PUNCT
framr-4076	356	19	or	or	CCONJ
framr-4076	356	20	sponsoring	sponsor	VERB
framr-4076	356	21	environmental	environmental	ADJ
framr-4076	356	22	programs	program	NOUN
framr-4076	356	23	without	without	ADP
framr-4076	356	24	providing	provide	VERB
framr-4076	356	25	specific	specific	ADJ
framr-4076	356	26	or	or	CCONJ
framr-4076	356	27	provable	provable	ADJ
framr-4076	356	28	information	information	NOUN
framr-4076	356	29	.	.	PUNCT
framr-4076	357	1	when	when	SCONJ
framr-4076	357	2	applying	apply	VERB
framr-4076	357	3	signaling	signal	VERB
framr-4076	357	4	theory	theory	NOUN
framr-4076	357	5	to	to	ADP
framr-4076	357	6	greenwashing	greenwashe	VERB
framr-4076	357	7	in	in	ADP
framr-4076	357	8	fintech	fintech	NOUN
framr-4076	357	9	,	,	PUNCT
framr-4076	357	10	several	several	ADJ
framr-4076	357	11	problematic	problematic	ADJ
framr-4076	357	12	aspects	aspect	NOUN
framr-4076	357	13	can	can	AUX
framr-4076	357	14	be	be	AUX
framr-4076	357	15	identified	identify	VERB
framr-4076	357	16	.	.	PUNCT
framr-4076	358	1	first	first	ADV
framr-4076	358	2	,	,	PUNCT
framr-4076	358	3	it	it	PRON
framr-4076	358	4	shows	show	VERB
framr-4076	358	5	that	that	SCONJ
framr-4076	358	6	due	due	ADP
framr-4076	358	7	to	to	ADP
framr-4076	358	8	information	information	NOUN
framr-4076	358	9	asymmetry	asymmetry	NOUN
framr-4076	358	10	,	,	PUNCT
framr-4076	358	11	companies	company	NOUN
framr-4076	358	12	can	can	AUX
framr-4076	358	13	deliberately	deliberately	ADV
framr-4076	358	14	transmit	transmit	VERB
framr-4076	358	15	misleading	misleading	ADJ
framr-4076	358	16	or	or	CCONJ
framr-4076	358	17	exaggerated	exaggerated	ADJ
framr-4076	358	18	signals	signal	NOUN
framr-4076	358	19	about	about	ADP
framr-4076	358	20	their	their	PRON
framr-4076	358	21	sustainability	sustainability	NOUN
framr-4076	358	22	efforts	effort	NOUN
framr-4076	358	23	.	.	PUNCT
framr-4076	359	1	for	for	ADP
framr-4076	359	2	instance	instance	NOUN
framr-4076	359	3	,	,	PUNCT
framr-4076	359	4	a	a	DET
framr-4076	359	5	study	study	NOUN
framr-4076	359	6	by	by	ADP
framr-4076	359	7	de	de	X
framr-4076	359	8	freitas	freitas	PROPN
framr-4076	359	9	netto	netto	PROPN
framr-4076	359	10	et	et	PROPN
framr-4076	359	11	al	al	PROPN
framr-4076	359	12	.	.	PROPN
framr-4076	360	1	(	(	PUNCT
framr-4076	360	2	2020	2020	NUM
framr-4076	360	3	)	)	PUNCT
framr-4076	360	4	revealed	reveal	VERB
framr-4076	360	5	that	that	SCONJ
framr-4076	360	6	about	about	ADV
framr-4076	360	7	a	a	DET
framr-4076	360	8	quarter	quarter	NOUN
framr-4076	360	9	of	of	ADP
framr-4076	360	10	the	the	DET
framr-4076	360	11	sustainability	sustainability	NOUN
framr-4076	360	12	-	-	PUNCT
framr-4076	360	13	based	base	VERB
framr-4076	360	14	claims	claim	NOUN
framr-4076	360	15	made	make	VERB
framr-4076	360	16	by	by	ADP
framr-4076	360	17	firms	firm	NOUN
framr-4076	360	18	across	across	ADP
framr-4076	360	19	all	all	DET
framr-4076	360	20	sectors	sector	NOUN
framr-4076	360	21	,	,	PUNCT
framr-4076	360	22	including	include	VERB
framr-4076	360	23	fintech	fintech	NOUN
framr-4076	360	24	organizations	organization	NOUN
framr-4076	360	25	,	,	PUNCT
framr-4076	360	26	were	be	AUX
framr-4076	360	27	misleading	misleading	ADJ
framr-4076	360	28	or	or	CCONJ
framr-4076	360	29	false	false	ADJ
framr-4076	360	30	.	.	PUNCT
framr-4076	361	1	this	this	PRON
framr-4076	361	2	poses	pose	VERB
framr-4076	361	3	a	a	DET
framr-4076	361	4	significant	significant	ADJ
framr-4076	361	5	danger	danger	NOUN
framr-4076	361	6	to	to	ADP
framr-4076	361	7	stakeholders	stakeholder	NOUN
framr-4076	361	8	,	,	PUNCT
framr-4076	361	9	especially	especially	ADV
framr-4076	361	10	those	those	PRON
framr-4076	361	11	who	who	PRON
framr-4076	361	12	rely	rely	VERB
framr-4076	361	13	on	on	ADP
framr-4076	361	14	these	these	DET
framr-4076	361	15	signals	signal	NOUN
framr-4076	361	16	in	in	ADP
framr-4076	361	17	their	their	PRON
framr-4076	361	18	decision	decision	NOUN
framr-4076	361	19	-	-	PUNCT
framr-4076	361	20	making	make	VERB
framr-4076	361	21	processes	process	NOUN
framr-4076	361	22	.	.	PUNCT
framr-4076	362	1	second	second	ADJ
framr-4076	362	2	,	,	PUNCT
framr-4076	362	3	weak	weak	ADJ
framr-4076	362	4	or	or	CCONJ
framr-4076	362	5	false	false	ADJ
framr-4076	362	6	signals	signal	NOUN
framr-4076	362	7	discourage	discourage	VERB
framr-4076	362	8	trust	trust	NOUN
framr-4076	362	9	and	and	CCONJ
framr-4076	362	10	introduce	introduce	VERB
framr-4076	362	11	pseudo	pseudo	NOUN
framr-4076	362	12	-	-	ADJ
framr-4076	362	13	signaling	signaling	ADJ
framr-4076	362	14	,	,	PUNCT
framr-4076	362	15	which	which	PRON
framr-4076	362	16	,	,	PUNCT
framr-4076	362	17	in	in	ADP
framr-4076	362	18	theory	theory	NOUN
framr-4076	362	19	,	,	PUNCT
framr-4076	362	20	aims	aim	VERB
framr-4076	362	21	to	to	PART
framr-4076	362	22	reduce	reduce	VERB
framr-4076	362	23	uncertainty	uncertainty	NOUN
framr-4076	362	24	and	and	CCONJ
framr-4076	362	25	increase	increase	VERB
framr-4076	362	26	trust	trust	NOUN
framr-4076	362	27	.	.	PUNCT
framr-4076	363	1	when	when	SCONJ
framr-4076	363	2	greenwashing	greenwashing	NOUN
framr-4076	363	3	occurs	occur	VERB
framr-4076	363	4	,	,	PUNCT
framr-4076	363	5	fintech	fintech	NOUN
framr-4076	363	6	firms	firm	NOUN
framr-4076	363	7	not	not	PART
framr-4076	363	8	only	only	ADV
framr-4076	363	9	suffer	suffer	VERB
framr-4076	363	10	reputational	reputational	ADJ
framr-4076	363	11	losses	loss	NOUN
framr-4076	363	12	but	but	CCONJ
framr-4076	363	13	also	also	ADV
framr-4076	363	14	undermine	undermine	VERB
framr-4076	363	15	the	the	DET
framr-4076	363	16	credibility	credibility	NOUN
framr-4076	363	17	that	that	SCONJ
framr-4076	363	18	stakeholders	stakeholder	NOUN
framr-4076	363	19	have	have	VERB
framr-4076	363	20	in	in	ADP
framr-4076	363	21	the	the	DET
framr-4076	363	22	fintech	fintech	NOUN
framr-4076	363	23	sector	sector	NOUN
framr-4076	363	24	.	.	PUNCT
framr-4076	364	1	this	this	PRON
framr-4076	364	2	is	be	AUX
framr-4076	364	3	particularly	particularly	ADV
framr-4076	364	4	worrisome	worrisome	ADJ
framr-4076	364	5	,	,	PUNCT
framr-4076	364	6	given	give	VERB
framr-4076	364	7	that	that	SCONJ
framr-4076	364	8	fintech	fintech	NOUN
framr-4076	364	9	firms	firm	NOUN
framr-4076	364	10	depend	depend	VERB
framr-4076	364	11	on	on	ADP
framr-4076	364	12	customer	customer	NOUN
framr-4076	364	13	loyalty	loyalty	NOUN
framr-4076	364	14	,	,	PUNCT
framr-4076	364	15	underpinned	underpin	VERB
framr-4076	364	16	by	by	ADP
framr-4076	364	17	trust	trust	NOUN
framr-4076	364	18	,	,	PUNCT
framr-4076	364	19	and	and	CCONJ
framr-4076	364	20	investor	investor	NOUN
framr-4076	364	21	confidence	confidence	NOUN
framr-4076	364	22	,	,	PUNCT
framr-4076	364	23	which	which	PRON
framr-4076	364	24	is	be	AUX
framr-4076	364	25	key	key	ADJ
framr-4076	364	26	to	to	ADP
framr-4076	364	27	their	their	PRON
framr-4076	364	28	growth	growth	NOUN
framr-4076	364	29	and	and	CCONJ
framr-4076	364	30	sustainability	sustainability	NOUN
framr-4076	364	31	.	.	PUNCT
framr-4076	365	1	seele	seele	PROPN
framr-4076	365	2	and	and	CCONJ
framr-4076	365	3	gatti	gatti	PROPN
framr-4076	365	4	(	(	PUNCT
framr-4076	365	5	2017	2017	NUM
framr-4076	365	6	)	)	PUNCT
framr-4076	365	7	found	find	VERB
framr-4076	365	8	that	that	SCONJ
framr-4076	365	9	consumers	consumer	NOUN
framr-4076	365	10	are	be	AUX
framr-4076	365	11	concerned	concerned	ADJ
framr-4076	365	12	about	about	ADP
framr-4076	365	13	the	the	DET
framr-4076	365	14	impact	impact	NOUN
framr-4076	365	15	companies	company	NOUN
framr-4076	365	16	have	have	AUX
framr-4076	365	17	on	on	ADP
framr-4076	365	18	the	the	DET
framr-4076	365	19	environment	environment	NOUN
framr-4076	365	20	,	,	PUNCT
framr-4076	365	21	and	and	CCONJ
framr-4076	365	22	64	64	NUM
framr-4076	365	23	%	%	NOUN
framr-4076	365	24	of	of	ADP
framr-4076	365	25	them	they	PRON
framr-4076	365	26	stated	state	VERB
framr-4076	365	27	that	that	SCONJ
framr-4076	365	28	if	if	SCONJ
framr-4076	365	29	they	they	PRON
framr-4076	365	30	are	be	AUX
framr-4076	365	31	given	give	VERB
framr-4076	365	32	false	false	ADJ
framr-4076	365	33	information	information	NOUN
framr-4076	365	34	by	by	ADP
framr-4076	365	35	a	a	DET
framr-4076	365	36	company	company	NOUN
framr-4076	365	37	,	,	PUNCT
framr-4076	365	38	they	they	PRON
framr-4076	365	39	will	will	AUX
framr-4076	365	40	stop	stop	VERB
framr-4076	365	41	buying	buy	VERB
framr-4076	365	42	its	its	PRON
framr-4076	365	43	products	product	NOUN
framr-4076	365	44	.	.	PUNCT
framr-4076	366	1	this	this	PRON
framr-4076	366	2	means	mean	VERB
framr-4076	366	3	that	that	SCONJ
framr-4076	366	4	the	the	DET
framr-4076	366	5	impacts	impact	NOUN
framr-4076	366	6	of	of	ADP
framr-4076	366	7	greenwashing	greenwashing	NOUN
framr-4076	366	8	can	can	AUX
framr-4076	366	9	be	be	AUX
framr-4076	366	10	severe	severe	ADJ
framr-4076	366	11	,	,	PUNCT
framr-4076	366	12	potentially	potentially	ADV
framr-4076	366	13	costing	cost	VERB
framr-4076	366	14	a	a	DET
framr-4076	366	15	firm	firm	ADJ
framr-4076	366	16	customers	customer	NOUN
framr-4076	366	17	,	,	PUNCT
framr-4076	366	18	investors	investor	NOUN
framr-4076	366	19	,	,	PUNCT
framr-4076	366	20	and	and	CCONJ
framr-4076	366	21	triggering	trigger	VERB
framr-4076	366	22	fines	fine	NOUN
framr-4076	366	23	,	,	PUNCT
framr-4076	366	24	among	among	ADP
framr-4076	366	25	other	other	ADJ
framr-4076	366	26	consequences	consequence	NOUN
framr-4076	366	27	.	.	PUNCT
framr-4076	367	1	however	however	ADV
framr-4076	367	2	,	,	PUNCT
framr-4076	367	3	applying	apply	VERB
framr-4076	367	4	signaling	signal	VERB
framr-4076	367	5	theory	theory	NOUN
framr-4076	367	6	in	in	ADP
framr-4076	367	7	this	this	DET
framr-4076	367	8	context	context	NOUN
framr-4076	367	9	,	,	PUNCT
framr-4076	367	10	it	it	PRON
framr-4076	367	11	is	be	AUX
framr-4076	367	12	understood	understand	VERB
framr-4076	367	13	that	that	SCONJ
framr-4076	367	14	the	the	DET
framr-4076	367	15	effectiveness	effectiveness	NOUN
framr-4076	367	16	of	of	ADP
framr-4076	367	17	signals	signal	NOUN
framr-4076	367	18	means	mean	VERB
framr-4076	367	19	that	that	SCONJ
framr-4076	367	20	signals	signal	NOUN
framr-4076	367	21	should	should	AUX
framr-4076	367	22	be	be	AUX
framr-4076	367	23	costly	costly	ADJ
framr-4076	367	24	or	or	CCONJ
framr-4076	367	25	difficult	difficult	ADJ
framr-4076	367	26	for	for	SCONJ
framr-4076	367	27	potential	potential	ADJ
framr-4076	367	28	rivals	rival	NOUN
framr-4076	367	29	to	to	PART
framr-4076	367	30	imitate	imitate	VERB
framr-4076	367	31	.	.	PUNCT
framr-4076	368	1	in	in	ADP
framr-4076	368	2	the	the	DET
framr-4076	368	3	case	case	NOUN
framr-4076	368	4	of	of	ADP
framr-4076	368	5	greenwashing	greenwashing	NOUN
framr-4076	368	6	,	,	PUNCT
framr-4076	368	7	however	however	ADV
framr-4076	368	8	,	,	PUNCT
framr-4076	368	9	firms	firm	NOUN
framr-4076	368	10	might	might	AUX
framr-4076	368	11	employ	employ	VERB
framr-4076	368	12	low	low	ADJ
framr-4076	368	13	-	-	PUNCT
framr-4076	368	14	cost	cost	NOUN
framr-4076	368	15	,	,	PUNCT
framr-4076	368	16	easily	easily	ADV
framr-4076	368	17	imitable	imitable	ADJ
framr-4076	368	18	signals	signal	NOUN
framr-4076	368	19	such	such	ADJ
framr-4076	368	20	as	as	ADP
framr-4076	368	21	window	window	NOUN
framr-4076	368	22	dressing	dressing	NOUN
framr-4076	368	23	,	,	PUNCT
framr-4076	368	24	sloganizing	sloganizing	NOUN
framr-4076	368	25	,	,	PUNCT
framr-4076	368	26	or	or	CCONJ
framr-4076	368	27	making	make	VERB
framr-4076	368	28	tokenistic	tokenistic	ADJ
framr-4076	368	29	promises	promise	NOUN
framr-4076	368	30	of	of	ADP
framr-4076	368	31	‘	'	PUNCT
framr-4076	368	32	going	go	VERB
framr-4076	368	33	green	green	ADJ
framr-4076	368	34	’	'	PUNCT
framr-4076	368	35	that	that	PRON
framr-4076	368	36	do	do	AUX
framr-4076	368	37	not	not	PART
framr-4076	368	38	reflect	reflect	VERB
framr-4076	368	39	the	the	DET
framr-4076	368	40	true	true	ADJ
framr-4076	368	41	environmental	environmental	ADJ
framr-4076	368	42	impact	impact	NOUN
framr-4076	368	43	.	.	PUNCT
framr-4076	369	1	this	this	PRON
framr-4076	369	2	not	not	PART
framr-4076	369	3	only	only	ADV
framr-4076	369	4	misleads	mislead	VERB
framr-4076	369	5	stakeholders	stakeholder	NOUN
framr-4076	369	6	but	but	CCONJ
framr-4076	369	7	also	also	ADV
framr-4076	369	8	leads	lead	VERB
framr-4076	369	9	to	to	ADP
framr-4076	369	10	increasing	increase	VERB
framr-4076	369	11	doubt	doubt	NOUN
framr-4076	369	12	about	about	ADP
framr-4076	369	13	corporate	corporate	ADJ
framr-4076	369	14	announcements	announcement	NOUN
framr-4076	369	15	on	on	ADP
framr-4076	369	16	sustainability	sustainability	NOUN
framr-4076	369	17	.	.	PUNCT
framr-4076	370	1	this	this	DET
framr-4076	370	2	view	view	NOUN
framr-4076	370	3	is	be	AUX
framr-4076	370	4	also	also	ADV
framr-4076	370	5	supported	support	VERB
framr-4076	370	6	by	by	ADP
framr-4076	370	7	seele	seele	PROPN
framr-4076	370	8	and	and	CCONJ
framr-4076	370	9	gatti	gatti	PROPN
framr-4076	370	10	(	(	PUNCT
framr-4076	370	11	2017	2017	NUM
framr-4076	370	12	)	)	PUNCT
framr-4076	370	13	who	who	PRON
framr-4076	370	14	pointed	point	VERB
framr-4076	370	15	out	out	ADP
framr-4076	370	16	that	that	SCONJ
framr-4076	370	17	greenwashing	greenwashing	NOUN
framr-4076	370	18	contributes	contribute	VERB
framr-4076	370	19	to	to	ADP
framr-4076	370	20	what	what	PRON
framr-4076	370	21	they	they	PRON
framr-4076	370	22	refer	refer	VERB
framr-4076	370	23	to	to	ADP
framr-4076	370	24	as	as	ADP
framr-4076	370	25	the	the	DET
framr-4076	370	26	‘	'	PUNCT
framr-4076	370	27	legitimacy	legitimacy	NOUN
framr-4076	370	28	gap	gap	NOUN
framr-4076	370	29	,	,	PUNCT
framr-4076	370	30	’	'	PUNCT
framr-4076	370	31	where	where	SCONJ
framr-4076	370	32	stakeholders	stakeholder	NOUN
framr-4076	370	33	become	become	VERB
framr-4076	370	34	skeptical	skeptical	ADJ
framr-4076	370	35	of	of	ADP
framr-4076	370	36	any	any	DET
framr-4076	370	37	environmental	environmental	ADJ
framr-4076	370	38	claims	claim	NOUN
framr-4076	370	39	,	,	PUNCT
framr-4076	370	40	making	make	VERB
framr-4076	370	41	it	it	PRON
framr-4076	370	42	difficult	difficult	ADJ
framr-4076	370	43	for	for	SCONJ
framr-4076	370	44	genuinely	genuinely	ADV
framr-4076	370	45	green	green	ADJ
framr-4076	370	46	firms	firm	NOUN
framr-4076	370	47	to	to	PART
framr-4076	370	48	distinguish	distinguish	VERB
framr-4076	370	49	themselves	themselves	PRON
framr-4076	370	50	.	.	PUNCT
framr-4076	371	1	accordingly	accordingly	ADV
framr-4076	371	2	,	,	PUNCT
framr-4076	371	3	to	to	PART
framr-4076	371	4	avoid	avoid	VERB
framr-4076	371	5	tarnishing	tarnish	VERB
framr-4076	371	6	their	their	PRON
framr-4076	371	7	green	green	ADJ
framr-4076	371	8	image	image	NOUN
framr-4076	371	9	as	as	ADP
framr-4076	371	10	a	a	DET
framr-4076	371	11	signal	signal	NOUN
framr-4076	371	12	and	and	CCONJ
framr-4076	371	13	suffering	suffer	VERB
framr-4076	371	14	the	the	DET
framr-4076	371	15	negative	negative	ADJ
framr-4076	371	16	consequences	consequence	NOUN
framr-4076	371	17	associated	associate	VERB
framr-4076	371	18	with	with	ADP
framr-4076	371	19	greenwashing	greenwashing	NOUN
framr-4076	371	20	,	,	PUNCT
framr-4076	371	21	fintech	fintech	NOUN
framr-4076	371	22	firms	firm	NOUN
framr-4076	371	23	should	should	AUX
framr-4076	371	24	consider	consider	VERB
framr-4076	371	25	signaling	signal	VERB
framr-4076	371	26	theory	theory	NOUN
framr-4076	371	27	by	by	ADP
framr-4076	371	28	offering	offer	VERB
framr-4076	371	29	meaningful	meaningful	ADJ
framr-4076	371	30	,	,	PUNCT
framr-4076	371	31	credible	credible	ADJ
framr-4076	371	32	,	,	PUNCT
framr-4076	371	33	and	and	CCONJ
framr-4076	371	34	concrete	concrete	ADJ
framr-4076	371	35	signals	signal	NOUN
framr-4076	371	36	of	of	ADP
framr-4076	371	37	their	their	PRON
framr-4076	371	38	sustainability	sustainability	NOUN
framr-4076	371	39	initiatives	initiative	NOUN
framr-4076	371	40	.	.	PUNCT
framr-4076	372	1	this	this	PRON
framr-4076	372	2	may	may	AUX
framr-4076	372	3	involve	involve	VERB
framr-4076	372	4	seeking	seek	VERB
framr-4076	372	5	third	third	ADJ
framr-4076	372	6	-	-	PUNCT
framr-4076	372	7	party	party	NOUN
framr-4076	372	8	certifications	certification	NOUN
framr-4076	372	9	,	,	PUNCT
framr-4076	372	10	preparing	prepare	VERB
framr-4076	372	11	sustainability	sustainability	NOUN
framr-4076	372	12	reports	report	NOUN
framr-4076	372	13	that	that	PRON
framr-4076	372	14	include	include	VERB
framr-4076	372	15	measurable	measurable	ADJ
framr-4076	372	16	results	result	NOUN
framr-4076	372	17	,	,	PUNCT
framr-4076	372	18	and	and	CCONJ
framr-4076	372	19	publicly	publicly	ADV
framr-4076	372	20	reporting	report	VERB
framr-4076	372	21	on	on	ADP
framr-4076	372	22	sustainability	sustainability	NOUN
framr-4076	372	23	ideologies	ideology	NOUN
framr-4076	372	24	and	and	CCONJ
framr-4076	372	25	practices	practice	NOUN
framr-4076	372	26	.	.	PUNCT
framr-4076	373	1	in	in	ADP
framr-4076	373	2	this	this	DET
framr-4076	373	3	way	way	NOUN
framr-4076	373	4	,	,	PUNCT
framr-4076	373	5	companies	company	NOUN
framr-4076	373	6	can	can	AUX
framr-4076	373	7	improve	improve	VERB
framr-4076	373	8	their	their	PRON
framr-4076	373	9	legitimacy	legitimacy	NOUN
framr-4076	373	10	,	,	PUNCT
framr-4076	373	11	gain	gain	VERB
framr-4076	373	12	trust	trust	NOUN
framr-4076	373	13	from	from	ADP
framr-4076	373	14	stakeholders	stakeholder	NOUN
framr-4076	373	15	,	,	PUNCT
framr-4076	373	16	and	and	CCONJ
framr-4076	373	17	build	build	VERB
framr-4076	373	18	long	long	ADJ
framr-4076	373	19	-	-	PUNCT
framr-4076	373	20	term	term	NOUN
framr-4076	373	21	partnerships	partnership	NOUN
framr-4076	373	22	.	.	PUNCT
framr-4076	374	1	3.4	3.4	NUM
framr-4076	374	2	.	.	PUNCT
framr-4076	374	3	institutional	institutional	ADJ
framr-4076	374	4	theory	theory	NOUN
framr-4076	374	5	3.4.1	3.4.1	NUM
framr-4076	374	6	.	.	PUNCT
framr-4076	375	1	explanation	explanation	NOUN
framr-4076	375	2	and	and	CCONJ
framr-4076	375	3	relevance	relevance	NOUN
framr-4076	375	4	to	to	ADP
framr-4076	375	5	greenwashing	greenwashe	VERB
framr-4076	375	6	in	in	ADP
framr-4076	375	7	fintech	fintech	NOUN
framr-4076	375	8	according	accord	VERB
framr-4076	375	9	to	to	ADP
framr-4076	375	10	institutional	institutional	ADJ
framr-4076	375	11	theory	theory	NOUN
framr-4076	375	12	,	,	PUNCT
framr-4076	375	13	organizational	organizational	ADJ
framr-4076	375	14	structures	structure	NOUN
framr-4076	375	15	,	,	PUNCT
framr-4076	375	16	processes	process	NOUN
framr-4076	375	17	,	,	PUNCT
framr-4076	375	18	and	and	CCONJ
framr-4076	375	19	activities	activity	NOUN
framr-4076	375	20	are	be	AUX
framr-4076	375	21	shaped	shape	VERB
framr-4076	375	22	by	by	ADP
framr-4076	375	23	the	the	DET
framr-4076	375	24	external	external	ADJ
framr-4076	375	25	context	context	NOUN
framr-4076	375	26	,	,	PUNCT
framr-4076	375	27	which	which	PRON
framr-4076	375	28	includes	include	VERB
framr-4076	375	29	the	the	DET
framr-4076	375	30	culture	culture	NOUN
framr-4076	375	31	,	,	PUNCT
framr-4076	375	32	laws	law	NOUN
framr-4076	375	33	,	,	PUNCT
framr-4076	375	34	and	and	CCONJ
framr-4076	375	35	norms	norm	NOUN
framr-4076	375	36	prevailing	prevail	VERB
framr-4076	375	37	in	in	ADP
framr-4076	375	38	a	a	DET
framr-4076	375	39	given	give	VERB
framr-4076	375	40	society	society	NOUN
framr-4076	375	41	.	.	PUNCT
framr-4076	376	1	this	this	DET
framr-4076	376	2	theory	theory	NOUN
framr-4076	376	3	suggests	suggest	VERB
framr-4076	376	4	that	that	SCONJ
framr-4076	376	5	organizations	organization	NOUN
framr-4076	376	6	engage	engage	VERB
framr-4076	376	7	in	in	ADP
framr-4076	376	8	institutionalization	institutionalization	NOUN
framr-4076	376	9	by	by	ADP
framr-4076	376	10	adhering	adhere	VERB
framr-4076	376	11	to	to	ADP
framr-4076	376	12	the	the	DET
framr-4076	376	13	laws	law	NOUN
framr-4076	376	14	and	and	CCONJ
framr-4076	376	15	regulations	regulation	NOUN
framr-4076	376	16	of	of	ADP
framr-4076	376	17	the	the	DET
framr-4076	376	18	institutional	institutional	ADJ
framr-4076	376	19	context	context	NOUN
framr-4076	376	20	in	in	ADP
framr-4076	376	21	which	which	PRON
framr-4076	376	22	they	they	PRON
framr-4076	376	23	operate	operate	VERB
framr-4076	376	24	.	.	PUNCT
framr-4076	377	1	in	in	ADP
framr-4076	377	2	the	the	DET
framr-4076	377	3	context	context	NOUN
framr-4076	377	4	of	of	ADP
framr-4076	377	5	fintech	fintech	NOUN
framr-4076	377	6	,	,	PUNCT
framr-4076	377	7	institutional	institutional	ADJ
framr-4076	377	8	theory	theory	NOUN
framr-4076	377	9	is	be	AUX
framr-4076	377	10	appropriate	appropriate	ADJ
framr-4076	377	11	as	as	SCONJ
framr-4076	377	12	it	it	PRON
framr-4076	377	13	highlights	highlight	VERB
framr-4076	377	14	how	how	SCONJ
framr-4076	377	15	companies	company	NOUN
framr-4076	377	16	financial	financial	ADJ
framr-4076	377	17	risk	risk	NOUN
framr-4076	377	18	and	and	CCONJ
framr-4076	377	19	management	management	NOUN
framr-4076	377	20	reviews	review	NOUN
framr-4076	377	21	,	,	PUNCT
framr-4076	377	22	2025	2025	NUM
framr-4076	377	23	,	,	PUNCT
framr-4076	377	24	11(1	11(1	NUM
framr-4076	377	25	):	):	PUNCT
framr-4076	377	26	37	37	NUM
framr-4076	377	27	-	-	SYM
framr-4076	377	28	71	71	NUM
framr-4076	377	29	51	51	NUM
framr-4076	377	30	©	©	PROPN
framr-4076	377	31	2025	2025	NUM
framr-4076	377	32	conscientia	conscientia	PROPN
framr-4076	377	33	beam	beam	PROPN
framr-4076	377	34	.	.	PUNCT
framr-4076	378	1	all	all	DET
framr-4076	378	2	rights	right	NOUN
framr-4076	378	3	reserved	reserve	VERB
framr-4076	378	4	.	.	PUNCT
framr-4076	379	1	may	may	AUX
framr-4076	379	2	choose	choose	VERB
framr-4076	379	3	to	to	PART
framr-4076	379	4	provide	provide	VERB
framr-4076	379	5	greenwashed	greenwashe	VERB
framr-4076	379	6	solutions	solution	NOUN
framr-4076	379	7	to	to	ADP
framr-4076	379	8	clients	client	NOUN
framr-4076	379	9	due	due	ADP
framr-4076	379	10	to	to	ADP
framr-4076	379	11	society	society	NOUN
framr-4076	379	12	’s	’s	PART
framr-4076	379	13	increasing	increase	VERB
framr-4076	379	14	sensitivity	sensitivity	NOUN
framr-4076	379	15	to	to	ADP
framr-4076	379	16	environmental	environmental	ADJ
framr-4076	379	17	factors	factor	NOUN
framr-4076	379	18	.	.	PUNCT
framr-4076	380	1	greenwashing	greenwashe	VERB
framr-4076	380	2	in	in	ADP
framr-4076	380	3	the	the	DET
framr-4076	380	4	fintech	fintech	NOUN
framr-4076	380	5	sector	sector	NOUN
framr-4076	380	6	can	can	AUX
framr-4076	380	7	be	be	AUX
framr-4076	380	8	defined	define	VERB
framr-4076	380	9	as	as	ADP
framr-4076	380	10	one	one	NUM
framr-4076	380	11	of	of	ADP
framr-4076	380	12	the	the	DET
framr-4076	380	13	mixed	mixed	ADJ
framr-4076	380	14	strategies	strategy	NOUN
framr-4076	380	15	that	that	PRON
framr-4076	380	16	reflect	reflect	VERB
framr-4076	380	17	the	the	DET
framr-4076	380	18	growing	grow	VERB
framr-4076	380	19	institutional	institutional	ADJ
framr-4076	380	20	pressure	pressure	NOUN
framr-4076	380	21	on	on	ADP
framr-4076	380	22	companies	company	NOUN
framr-4076	380	23	to	to	PART
framr-4076	380	24	operate	operate	VERB
framr-4076	380	25	sustainably	sustainably	ADV
framr-4076	380	26	.	.	PUNCT
framr-4076	381	1	especially	especially	ADV
framr-4076	381	2	in	in	ADP
framr-4076	381	3	a	a	DET
framr-4076	381	4	world	world	NOUN
framr-4076	381	5	where	where	SCONJ
framr-4076	381	6	environmental	environmental	ADJ
framr-4076	381	7	issues	issue	NOUN
framr-4076	381	8	are	be	AUX
framr-4076	381	9	becoming	become	VERB
framr-4076	381	10	more	more	ADV
framr-4076	381	11	prominent	prominent	ADJ
framr-4076	381	12	,	,	PUNCT
framr-4076	381	13	there	there	PRON
framr-4076	381	14	is	be	VERB
framr-4076	381	15	increasing	increase	VERB
framr-4076	381	16	pressure	pressure	NOUN
framr-4076	381	17	from	from	ADP
framr-4076	381	18	customers	customer	NOUN
framr-4076	381	19	,	,	PUNCT
framr-4076	381	20	shareholders	shareholder	NOUN
framr-4076	381	21	,	,	PUNCT
framr-4076	381	22	authorities	authority	NOUN
framr-4076	381	23	,	,	PUNCT
framr-4076	381	24	and	and	CCONJ
framr-4076	381	25	other	other	ADJ
framr-4076	381	26	stakeholders	stakeholder	NOUN
framr-4076	381	27	to	to	PART
framr-4076	381	28	be	be	AUX
framr-4076	381	29	environmentally	environmentally	ADV
framr-4076	381	30	conscious	conscious	ADJ
framr-4076	381	31	.	.	PUNCT
framr-4076	382	1	this	this	PRON
framr-4076	382	2	is	be	AUX
framr-4076	382	3	particularly	particularly	ADV
framr-4076	382	4	important	important	ADJ
framr-4076	382	5	for	for	ADP
framr-4076	382	6	fintech	fintech	NOUN
framr-4076	382	7	companies	company	NOUN
framr-4076	382	8	that	that	PRON
framr-4076	382	9	deliberately	deliberately	ADV
framr-4076	382	10	promote	promote	VERB
framr-4076	382	11	themselves	themselves	PRON
framr-4076	382	12	as	as	ADP
framr-4076	382	13	innovative	innovative	ADJ
framr-4076	382	14	and	and	CCONJ
framr-4076	382	15	cutting	cutting	NOUN
framr-4076	382	16	-	-	PUNCT
framr-4076	382	17	edge	edge	NOUN
framr-4076	382	18	in	in	ADP
framr-4076	382	19	their	their	PRON
framr-4076	382	20	business	business	NOUN
framr-4076	382	21	approach	approach	NOUN
framr-4076	382	22	,	,	PUNCT
framr-4076	382	23	as	as	SCONJ
framr-4076	382	24	they	they	PRON
framr-4076	382	25	may	may	AUX
framr-4076	382	26	feel	feel	VERB
framr-4076	382	27	pressured	pressured	ADJ
framr-4076	382	28	to	to	PART
framr-4076	382	29	demonstrate	demonstrate	VERB
framr-4076	382	30	their	their	PRON
framr-4076	382	31	commitment	commitment	NOUN
framr-4076	382	32	to	to	ADP
framr-4076	382	33	sustainability	sustainability	NOUN
framr-4076	382	34	to	to	PART
framr-4076	382	35	gain	gain	VERB
framr-4076	382	36	credibility	credibility	NOUN
framr-4076	382	37	and	and	CCONJ
framr-4076	382	38	competitive	competitive	ADJ
framr-4076	382	39	advantage	advantage	NOUN
framr-4076	382	40	.	.	PUNCT
framr-4076	383	1	however	however	ADV
framr-4076	383	2	,	,	PUNCT
framr-4076	383	3	when	when	SCONJ
framr-4076	383	4	sustainability	sustainability	NOUN
framr-4076	383	5	efforts	effort	NOUN
framr-4076	383	6	are	be	AUX
framr-4076	383	7	expensive	expensive	ADJ
framr-4076	383	8	or	or	CCONJ
framr-4076	383	9	difficult	difficult	ADJ
framr-4076	383	10	to	to	PART
framr-4076	383	11	implement	implement	VERB
framr-4076	383	12	,	,	PUNCT
framr-4076	383	13	this	this	PRON
framr-4076	383	14	may	may	AUX
framr-4076	383	15	lead	lead	VERB
framr-4076	383	16	to	to	ADP
framr-4076	383	17	false	false	ADJ
framr-4076	383	18	reporting	reporting	NOUN
framr-4076	383	19	,	,	PUNCT
framr-4076	383	20	where	where	SCONJ
framr-4076	383	21	organizations	organization	NOUN
framr-4076	383	22	appear	appear	VERB
framr-4076	383	23	more	more	ADV
framr-4076	383	24	environmentally	environmentally	ADV
framr-4076	383	25	conscious	conscious	ADJ
framr-4076	383	26	than	than	SCONJ
framr-4076	383	27	they	they	PRON
framr-4076	383	28	are	be	AUX
framr-4076	383	29	,	,	PUNCT
framr-4076	383	30	a	a	DET
framr-4076	383	31	practice	practice	NOUN
framr-4076	383	32	known	know	VERB
framr-4076	383	33	as	as	ADP
framr-4076	383	34	greenwashing	greenwashe	VERB
framr-4076	383	35	.	.	PUNCT
framr-4076	384	1	this	this	DET
framr-4076	384	2	behavior	behavior	NOUN
framr-4076	384	3	stems	stem	VERB
framr-4076	384	4	from	from	ADP
framr-4076	384	5	a	a	DET
framr-4076	384	6	tendency	tendency	NOUN
framr-4076	384	7	to	to	PART
framr-4076	384	8	transform	transform	VERB
framr-4076	384	9	the	the	DET
framr-4076	384	10	business	business	NOUN
framr-4076	384	11	without	without	ADP
framr-4076	384	12	making	make	VERB
framr-4076	384	13	significant	significant	ADJ
framr-4076	384	14	changes	change	NOUN
framr-4076	384	15	to	to	PART
framr-4076	384	16	fit	fit	VERB
framr-4076	384	17	institutional	institutional	ADJ
framr-4076	384	18	standards	standard	NOUN
framr-4076	384	19	.	.	PUNCT
framr-4076	385	1	for	for	ADP
framr-4076	385	2	instance	instance	NOUN
framr-4076	385	3	,	,	PUNCT
framr-4076	385	4	a	a	DET
framr-4076	385	5	fintech	fintech	NOUN
framr-4076	385	6	firm	firm	NOUN
framr-4076	385	7	might	might	AUX
framr-4076	385	8	market	market	VERB
framr-4076	385	9	its	its	PRON
framr-4076	385	10	products	product	NOUN
framr-4076	385	11	as	as	ADV
framr-4076	385	12	sustainable	sustainable	ADJ
framr-4076	385	13	or	or	CCONJ
framr-4076	385	14	carbon	carbon	NOUN
framr-4076	385	15	-	-	PUNCT
framr-4076	385	16	neutral	neutral	ADJ
framr-4076	385	17	without	without	ADP
framr-4076	385	18	providing	provide	VERB
framr-4076	385	19	clear	clear	ADJ
framr-4076	385	20	evidence	evidence	NOUN
framr-4076	385	21	to	to	PART
framr-4076	385	22	support	support	VERB
framr-4076	385	23	these	these	DET
framr-4076	385	24	claims	claim	NOUN
framr-4076	385	25	.	.	PUNCT
framr-4076	386	1	lyon	lyon	PROPN
framr-4076	386	2	and	and	CCONJ
framr-4076	386	3	maxwell	maxwell	PROPN
framr-4076	386	4	(	(	PUNCT
framr-4076	386	5	2011	2011	NUM
framr-4076	386	6	)	)	PUNCT
framr-4076	386	7	suggest	suggest	VERB
framr-4076	386	8	that	that	SCONJ
framr-4076	386	9	this	this	PRON
framr-4076	386	10	occurs	occur	VERB
framr-4076	386	11	,	,	PUNCT
framr-4076	386	12	mainly	mainly	ADV
framr-4076	386	13	because	because	SCONJ
framr-4076	386	14	no	no	DET
framr-4076	386	15	specific	specific	ADJ
framr-4076	386	16	rules	rule	NOUN
framr-4076	386	17	or	or	CCONJ
framr-4076	386	18	international	international	ADJ
framr-4076	386	19	laws	law	NOUN
framr-4076	386	20	define	define	VERB
framr-4076	386	21	what	what	PRON
framr-4076	386	22	it	it	PRON
framr-4076	386	23	means	mean	VERB
framr-4076	386	24	for	for	SCONJ
framr-4076	386	25	a	a	DET
framr-4076	386	26	firm	firm	NOUN
framr-4076	386	27	to	to	PART
framr-4076	386	28	be	be	AUX
framr-4076	386	29	environmentally	environmentally	ADV
framr-4076	386	30	conscious	conscious	ADJ
framr-4076	386	31	,	,	PUNCT
framr-4076	386	32	allowing	allow	VERB
framr-4076	386	33	firms	firm	NOUN
framr-4076	386	34	to	to	PART
framr-4076	386	35	stretch	stretch	VERB
framr-4076	386	36	the	the	DET
framr-4076	386	37	truth	truth	NOUN
framr-4076	386	38	.	.	PUNCT
framr-4076	387	1	3.4.2	3.4.2	X
framr-4076	387	2	.	.	PUNCT
framr-4076	387	3	institutional	institutional	ADJ
framr-4076	387	4	pressures	pressure	NOUN
framr-4076	387	5	and	and	CCONJ
framr-4076	387	6	responses	response	NOUN
framr-4076	387	7	external	external	ADJ
framr-4076	387	8	pressures	pressure	NOUN
framr-4076	387	9	may	may	AUX
framr-4076	387	10	be	be	AUX
framr-4076	387	11	set	set	VERB
framr-4076	387	12	by	by	ADP
framr-4076	387	13	regulation	regulation	NOUN
framr-4076	387	14	and	and	CCONJ
framr-4076	387	15	legislation	legislation	NOUN
framr-4076	387	16	,	,	PUNCT
framr-4076	387	17	be	be	AUX
framr-4076	387	18	self	self	NOUN
framr-4076	387	19	-	-	PUNCT
framr-4076	387	20	regulatory	regulatory	ADJ
framr-4076	387	21	,	,	PUNCT
framr-4076	387	22	stem	stem	NOUN
framr-4076	387	23	from	from	ADP
framr-4076	387	24	customer	customer	NOUN
framr-4076	387	25	demand	demand	NOUN
framr-4076	387	26	for	for	ADP
framr-4076	387	27	sustainable	sustainable	ADJ
framr-4076	387	28	products	product	NOUN
framr-4076	387	29	,	,	PUNCT
framr-4076	387	30	or	or	CCONJ
framr-4076	387	31	result	result	VERB
framr-4076	387	32	from	from	ADP
framr-4076	387	33	emerging	emerge	VERB
framr-4076	387	34	social	social	ADJ
framr-4076	387	35	norms	norm	NOUN
framr-4076	387	36	that	that	SCONJ
framr-4076	387	37	fintech	fintech	NOUN
framr-4076	387	38	organizations	organization	NOUN
framr-4076	387	39	need	need	VERB
framr-4076	387	40	to	to	PART
framr-4076	387	41	meet	meet	VERB
framr-4076	387	42	.	.	PUNCT
framr-4076	388	1	these	these	DET
framr-4076	388	2	pressures	pressure	NOUN
framr-4076	388	3	can	can	AUX
framr-4076	388	4	be	be	AUX
framr-4076	388	5	categorized	categorize	VERB
framr-4076	388	6	into	into	ADP
framr-4076	388	7	three	three	NUM
framr-4076	388	8	types	type	NOUN
framr-4076	388	9	:	:	PUNCT
framr-4076	388	10	coercive	coercive	ADJ
framr-4076	388	11	isomorphism	isomorphism	NOUN
framr-4076	388	12	,	,	PUNCT
framr-4076	388	13	normative	normative	ADJ
framr-4076	388	14	isomorphism	isomorphism	NOUN
framr-4076	388	15	,	,	PUNCT
framr-4076	388	16	and	and	CCONJ
framr-4076	388	17	mimetic	mimetic	ADJ
framr-4076	388	18	isomorphism	isomorphism	NOUN
framr-4076	388	19	.	.	PUNCT
framr-4076	389	1	coercive	coercive	ADJ
framr-4076	389	2	pressures	pressure	NOUN
framr-4076	389	3	refer	refer	VERB
framr-4076	389	4	to	to	ADP
framr-4076	389	5	formal	formal	ADJ
framr-4076	389	6	social	social	ADJ
framr-4076	389	7	norms	norm	NOUN
framr-4076	389	8	and	and	CCONJ
framr-4076	389	9	legislation	legislation	NOUN
framr-4076	389	10	governing	govern	VERB
framr-4076	389	11	how	how	SCONJ
framr-4076	389	12	firms	firm	NOUN
framr-4076	389	13	achieve	achieve	VERB
framr-4076	389	14	environmental	environmental	ADJ
framr-4076	389	15	performance	performance	NOUN
framr-4076	389	16	.	.	PUNCT
framr-4076	390	1	over	over	ADP
framr-4076	390	2	the	the	DET
framr-4076	390	3	last	last	ADJ
framr-4076	390	4	few	few	ADJ
framr-4076	390	5	years	year	NOUN
framr-4076	390	6	,	,	PUNCT
framr-4076	390	7	there	there	PRON
framr-4076	390	8	has	have	AUX
framr-4076	390	9	been	be	AUX
framr-4076	390	10	a	a	DET
framr-4076	390	11	rising	rise	VERB
framr-4076	390	12	trend	trend	NOUN
framr-4076	390	13	in	in	ADP
framr-4076	390	14	legal	legal	ADJ
framr-4076	390	15	policies	policy	NOUN
framr-4076	390	16	aimed	aim	VERB
framr-4076	390	17	at	at	ADP
framr-4076	390	18	eliminating	eliminate	VERB
framr-4076	390	19	greenwashing	greenwashing	NOUN
framr-4076	390	20	.	.	PUNCT
framr-4076	391	1	for	for	ADP
framr-4076	391	2	example	example	NOUN
framr-4076	391	3	,	,	PUNCT
framr-4076	391	4	the	the	DET
framr-4076	391	5	sustainable	sustainable	ADJ
framr-4076	391	6	finance	finance	NOUN
framr-4076	391	7	disclosure	disclosure	NOUN
framr-4076	391	8	regulation	regulation	NOUN
framr-4076	391	9	(	(	PUNCT
framr-4076	391	10	sfdr	sfdr	NOUN
framr-4076	391	11	)	)	PUNCT
framr-4076	391	12	for	for	ADP
framr-4076	391	13	the	the	DET
framr-4076	391	14	european	european	PROPN
framr-4076	391	15	union	union	PROPN
framr-4076	391	16	requires	require	VERB
framr-4076	391	17	investment	investment	NOUN
framr-4076	391	18	firms	firm	NOUN
framr-4076	391	19	and	and	CCONJ
framr-4076	391	20	fintech	fintech	NOUN
framr-4076	391	21	companies	company	NOUN
framr-4076	391	22	to	to	PART
framr-4076	391	23	report	report	VERB
framr-4076	391	24	how	how	SCONJ
framr-4076	391	25	sustainability	sustainability	NOUN
framr-4076	391	26	factors	factor	NOUN
framr-4076	391	27	are	be	AUX
framr-4076	391	28	integrated	integrate	VERB
framr-4076	391	29	into	into	ADP
framr-4076	391	30	investment	investment	NOUN
framr-4076	391	31	analysis	analysis	NOUN
framr-4076	391	32	,	,	PUNCT
framr-4076	391	33	recommendations	recommendation	NOUN
framr-4076	391	34	,	,	PUNCT
framr-4076	391	35	and	and	CCONJ
framr-4076	391	36	financial	financial	ADJ
framr-4076	391	37	product	product	NOUN
framr-4076	391	38	provision	provision	NOUN
framr-4076	391	39	(	(	PUNCT
framr-4076	391	40	european	european	PROPN
framr-4076	391	41	commission	commission	PROPN
framr-4076	391	42	,	,	PUNCT
framr-4076	391	43	2021	2021	NUM
framr-4076	391	44	)	)	PUNCT
framr-4076	391	45	.	.	PUNCT
framr-4076	392	1	noncompliance	noncompliance	NOUN
framr-4076	392	2	with	with	ADP
framr-4076	392	3	such	such	ADJ
framr-4076	392	4	laws	law	NOUN
framr-4076	392	5	may	may	AUX
framr-4076	392	6	lead	lead	VERB
framr-4076	392	7	to	to	ADP
framr-4076	392	8	legal	legal	ADJ
framr-4076	392	9	consequences	consequence	NOUN
framr-4076	392	10	and	and	CCONJ
framr-4076	392	11	loss	loss	NOUN
framr-4076	392	12	of	of	ADP
framr-4076	392	13	reputation	reputation	NOUN
framr-4076	392	14	,	,	PUNCT
framr-4076	392	15	forcing	force	VERB
framr-4076	392	16	companies	company	NOUN
framr-4076	392	17	to	to	PART
framr-4076	392	18	either	either	CCONJ
framr-4076	392	19	genuinely	genuinely	ADV
framr-4076	392	20	improve	improve	VERB
framr-4076	392	21	their	their	PRON
framr-4076	392	22	sustainability	sustainability	NOUN
framr-4076	392	23	profiles	profile	NOUN
framr-4076	392	24	or	or	CCONJ
framr-4076	392	25	,	,	PUNCT
framr-4076	392	26	in	in	ADP
framr-4076	392	27	some	some	DET
framr-4076	392	28	cases	case	NOUN
framr-4076	392	29	,	,	PUNCT
framr-4076	392	30	creatively	creatively	ADV
framr-4076	392	31	greenwash	greenwash	VERB
framr-4076	392	32	to	to	PART
framr-4076	392	33	meet	meet	VERB
framr-4076	392	34	the	the	DET
framr-4076	392	35	letter	letter	NOUN
framr-4076	392	36	of	of	ADP
framr-4076	392	37	the	the	DET
framr-4076	392	38	law	law	NOUN
framr-4076	392	39	without	without	ADP
framr-4076	392	40	incurring	incur	VERB
framr-4076	392	41	the	the	DET
framr-4076	392	42	costs	cost	NOUN
framr-4076	392	43	associated	associate	VERB
framr-4076	392	44	with	with	ADP
framr-4076	392	45	the	the	DET
framr-4076	392	46	spirit	spirit	NOUN
framr-4076	392	47	of	of	ADP
framr-4076	392	48	the	the	DET
framr-4076	392	49	law	law	NOUN
framr-4076	392	50	.	.	PUNCT
framr-4076	393	1	external	external	ADJ
framr-4076	393	2	normative	normative	NOUN
framr-4076	393	3	and	and	CCONJ
framr-4076	393	4	implementing	implement	VERB
framr-4076	393	5	pressure	pressure	NOUN
framr-4076	393	6	is	be	AUX
framr-4076	393	7	based	base	VERB
framr-4076	393	8	on	on	ADP
framr-4076	393	9	industry	industry	NOUN
framr-4076	393	10	norms	norm	NOUN
framr-4076	393	11	,	,	PUNCT
framr-4076	393	12	professional	professional	ADJ
framr-4076	393	13	communities	community	NOUN
framr-4076	393	14	,	,	PUNCT
framr-4076	393	15	and	and	CCONJ
framr-4076	393	16	the	the	DET
framr-4076	393	17	requirements	requirement	NOUN
framr-4076	393	18	of	of	ADP
framr-4076	393	19	key	key	ADJ
framr-4076	393	20	customers	customer	NOUN
framr-4076	393	21	and	and	CCONJ
framr-4076	393	22	investors	investor	NOUN
framr-4076	393	23	.	.	PUNCT
framr-4076	394	1	as	as	SCONJ
framr-4076	394	2	environmental	environmental	ADJ
framr-4076	394	3	consciousness	consciousness	NOUN
framr-4076	394	4	becomes	become	VERB
framr-4076	394	5	a	a	DET
framr-4076	394	6	policy	policy	NOUN
framr-4076	394	7	factor	factor	NOUN
framr-4076	394	8	for	for	ADP
framr-4076	394	9	these	these	DET
framr-4076	394	10	stakeholders	stakeholder	NOUN
framr-4076	394	11	,	,	PUNCT
framr-4076	394	12	fintech	fintech	NOUN
framr-4076	394	13	firms	firm	NOUN
framr-4076	394	14	are	be	AUX
framr-4076	394	15	under	under	ADP
framr-4076	394	16	increased	increase	VERB
framr-4076	394	17	pressure	pressure	NOUN
framr-4076	394	18	to	to	PART
framr-4076	394	19	professionalize	professionalize	VERB
framr-4076	394	20	their	their	PRON
framr-4076	394	21	environmental	environmental	ADJ
framr-4076	394	22	policies	policy	NOUN
framr-4076	394	23	.	.	PUNCT
framr-4076	395	1	a	a	DET
framr-4076	395	2	survey	survey	NOUN
framr-4076	395	3	by	by	ADP
framr-4076	395	4	globaldata	globaldata	NOUN
framr-4076	395	5	(	(	PUNCT
framr-4076	395	6	2022	2022	NUM
framr-4076	395	7	)	)	PUNCT
framr-4076	395	8	indicated	indicate	VERB
framr-4076	395	9	that	that	SCONJ
framr-4076	395	10	78	78	NUM
framr-4076	395	11	%	%	NOUN
framr-4076	395	12	of	of	ADP
framr-4076	395	13	consumers	consumer	NOUN
framr-4076	395	14	in	in	ADP
framr-4076	395	15	the	the	DET
framr-4076	395	16	global	global	ADJ
framr-4076	395	17	financial	financial	ADJ
framr-4076	395	18	services	service	NOUN
framr-4076	395	19	industry	industry	NOUN
framr-4076	395	20	expect	expect	VERB
framr-4076	395	21	firms	firm	NOUN
framr-4076	395	22	to	to	PART
framr-4076	395	23	engage	engage	VERB
framr-4076	395	24	in	in	ADP
framr-4076	395	25	active	active	ADJ
framr-4076	395	26	environmental	environmental	ADJ
framr-4076	395	27	sustainability	sustainability	NOUN
framr-4076	395	28	.	.	PUNCT
framr-4076	396	1	to	to	PART
framr-4076	396	2	satisfy	satisfy	VERB
framr-4076	396	3	such	such	ADJ
framr-4076	396	4	expectations	expectation	NOUN
framr-4076	396	5	,	,	PUNCT
framr-4076	396	6	some	some	DET
framr-4076	396	7	fintech	fintech	NOUN
framr-4076	396	8	firms	firm	NOUN
framr-4076	396	9	may	may	AUX
framr-4076	396	10	announce	announce	VERB
framr-4076	396	11	green	green	ADJ
framr-4076	396	12	certifications	certification	NOUN
framr-4076	396	13	or	or	CCONJ
framr-4076	396	14	participate	participate	VERB
framr-4076	396	15	in	in	ADP
framr-4076	396	16	sustainability	sustainability	NOUN
framr-4076	396	17	schemes	scheme	NOUN
framr-4076	396	18	,	,	PUNCT
framr-4076	396	19	even	even	ADV
framr-4076	396	20	if	if	SCONJ
framr-4076	396	21	their	their	PRON
framr-4076	396	22	operations	operation	NOUN
framr-4076	396	23	do	do	AUX
framr-4076	396	24	not	not	PART
framr-4076	396	25	fully	fully	ADV
framr-4076	396	26	align	align	VERB
framr-4076	396	27	with	with	ADP
framr-4076	396	28	their	their	PRON
framr-4076	396	29	claims	claim	NOUN
framr-4076	396	30	.	.	PUNCT
framr-4076	397	1	mimetic	mimetic	ADJ
framr-4076	397	2	pressures	pressure	NOUN
framr-4076	397	3	relate	relate	VERB
framr-4076	397	4	to	to	ADP
framr-4076	397	5	the	the	DET
framr-4076	397	6	pressure	pressure	NOUN
framr-4076	397	7	organizations	organization	NOUN
framr-4076	397	8	experience	experience	VERB
framr-4076	397	9	to	to	PART
framr-4076	397	10	imitate	imitate	VERB
framr-4076	397	11	the	the	DET
framr-4076	397	12	practices	practice	NOUN
framr-4076	397	13	of	of	ADP
framr-4076	397	14	other	other	ADJ
framr-4076	397	15	organizations	organization	NOUN
framr-4076	397	16	in	in	ADP
framr-4076	397	17	the	the	DET
framr-4076	397	18	same	same	ADJ
framr-4076	397	19	sector	sector	NOUN
framr-4076	397	20	they	they	PRON
framr-4076	397	21	admire	admire	VERB
framr-4076	397	22	.	.	PUNCT
framr-4076	398	1	in	in	ADP
framr-4076	398	2	the	the	DET
framr-4076	398	3	case	case	NOUN
framr-4076	398	4	of	of	ADP
framr-4076	398	5	fintech	fintech	NOUN
framr-4076	398	6	,	,	PUNCT
framr-4076	398	7	some	some	PRON
framr-4076	398	8	may	may	AUX
framr-4076	398	9	resort	resort	VERB
framr-4076	398	10	to	to	ADP
framr-4076	398	11	greenwashing	greenwashe	VERB
framr-4076	398	12	to	to	PART
framr-4076	398	13	follow	follow	VERB
framr-4076	398	14	rivals	rival	NOUN
framr-4076	398	15	they	they	PRON
framr-4076	398	16	consider	consider	VERB
framr-4076	398	17	leaders	leader	NOUN
framr-4076	398	18	in	in	ADP
framr-4076	398	19	sustainable	sustainable	ADJ
framr-4076	398	20	development	development	NOUN
framr-4076	398	21	.	.	PUNCT
framr-4076	399	1	this	this	PRON
framr-4076	399	2	can	can	AUX
framr-4076	399	3	lead	lead	VERB
framr-4076	399	4	to	to	ADP
framr-4076	399	5	a	a	DET
framr-4076	399	6	‘	'	PUNCT
framr-4076	399	7	window	window	NOUN
framr-4076	399	8	-	-	PUNCT
framr-4076	399	9	dressing	dressing	NOUN
framr-4076	399	10	’	'	PUNCT
framr-4076	399	11	strategy	strategy	NOUN
framr-4076	399	12	,	,	PUNCT
framr-4076	399	13	where	where	SCONJ
framr-4076	399	14	organizations	organization	NOUN
framr-4076	399	15	implement	implement	VERB
framr-4076	399	16	superficial	superficial	ADJ
framr-4076	399	17	environmental	environmental	ADJ
framr-4076	399	18	strategies	strategy	NOUN
framr-4076	399	19	to	to	PART
framr-4076	399	20	avoid	avoid	VERB
framr-4076	399	21	being	be	AUX
framr-4076	399	22	seen	see	VERB
framr-4076	399	23	as	as	ADP
framr-4076	399	24	the	the	DET
framr-4076	399	25	‘	'	PUNCT
framr-4076	399	26	odd	odd	ADJ
framr-4076	399	27	one	one	NUM
framr-4076	399	28	out	out	ADP
framr-4076	399	29	.	.	PUNCT
framr-4076	399	30	’	'	PUNCT
framr-4076	400	1	however	however	ADV
framr-4076	400	2	,	,	PUNCT
framr-4076	400	3	the	the	DET
framr-4076	400	4	danger	danger	NOUN
framr-4076	400	5	is	be	AUX
framr-4076	400	6	that	that	SCONJ
framr-4076	400	7	this	this	DET
framr-4076	400	8	situation	situation	NOUN
framr-4076	400	9	can	can	AUX
framr-4076	400	10	lead	lead	VERB
framr-4076	400	11	to	to	ADP
framr-4076	400	12	the	the	DET
framr-4076	400	13	standardization	standardization	NOUN
framr-4076	400	14	of	of	ADP
framr-4076	400	15	greenwashing	greenwashing	NOUN
framr-4076	400	16	practices	practice	NOUN
framr-4076	400	17	,	,	PUNCT
framr-4076	400	18	blurring	blur	VERB
framr-4076	400	19	the	the	DET
framr-4076	400	20	distinction	distinction	NOUN
framr-4076	400	21	between	between	ADP
framr-4076	400	22	genuinely	genuinely	ADV
framr-4076	400	23	environmentally	environmentally	ADV
framr-4076	400	24	conscious	conscious	ADJ
framr-4076	400	25	companies	company	NOUN
framr-4076	400	26	and	and	CCONJ
framr-4076	400	27	those	those	PRON
framr-4076	400	28	merely	merely	ADV
framr-4076	400	29	faking	fake	VERB
framr-4076	400	30	sustainable	sustainable	ADJ
framr-4076	400	31	practices	practice	NOUN
framr-4076	400	32	.	.	PUNCT
framr-4076	401	1	finally	finally	ADV
framr-4076	401	2	,	,	PUNCT
framr-4076	401	3	various	various	ADJ
framr-4076	401	4	responses	response	NOUN
framr-4076	401	5	from	from	ADP
framr-4076	401	6	fintech	fintech	NOUN
framr-4076	401	7	companies	company	NOUN
framr-4076	401	8	to	to	ADP
framr-4076	401	9	institutional	institutional	ADJ
framr-4076	401	10	pressures	pressure	NOUN
framr-4076	401	11	are	be	AUX
framr-4076	401	12	possible	possible	ADJ
framr-4076	401	13	.	.	PUNCT
framr-4076	402	1	while	while	SCONJ
framr-4076	402	2	some	some	DET
framr-4076	402	3	organizations	organization	NOUN
framr-4076	402	4	may	may	AUX
framr-4076	402	5	genuinely	genuinely	ADV
framr-4076	402	6	incorporate	incorporate	VERB
framr-4076	402	7	sustainability	sustainability	NOUN
framr-4076	402	8	into	into	ADP
framr-4076	402	9	their	their	PRON
framr-4076	402	10	operations	operation	NOUN
framr-4076	402	11	,	,	PUNCT
framr-4076	402	12	others	other	NOUN
framr-4076	402	13	may	may	AUX
framr-4076	402	14	engage	engage	VERB
framr-4076	402	15	in	in	ADP
framr-4076	402	16	greenwashing	greenwashing	NOUN
framr-4076	402	17	as	as	ADP
framr-4076	402	18	a	a	DET
framr-4076	402	19	cheaper	cheap	ADJ
framr-4076	402	20	way	way	NOUN
framr-4076	402	21	of	of	ADP
framr-4076	402	22	responding	respond	VERB
framr-4076	402	23	to	to	ADP
framr-4076	402	24	institutional	institutional	ADJ
framr-4076	402	25	demands	demand	NOUN
framr-4076	402	26	.	.	PUNCT
framr-4076	403	1	the	the	DET
framr-4076	403	2	challenge	challenge	NOUN
framr-4076	403	3	for	for	ADP
framr-4076	403	4	regulators	regulator	NOUN
framr-4076	403	5	,	,	PUNCT
framr-4076	403	6	consumers	consumer	NOUN
framr-4076	403	7	,	,	PUNCT
framr-4076	403	8	and	and	CCONJ
framr-4076	403	9	investors	investor	NOUN
framr-4076	403	10	is	be	AUX
framr-4076	403	11	financial	financial	ADJ
framr-4076	403	12	risk	risk	NOUN
framr-4076	403	13	and	and	CCONJ
framr-4076	403	14	management	management	NOUN
framr-4076	403	15	reviews	review	NOUN
framr-4076	403	16	,	,	PUNCT
framr-4076	403	17	2025	2025	NUM
framr-4076	403	18	,	,	PUNCT
framr-4076	403	19	11(1	11(1	NUM
framr-4076	403	20	):	):	PUNCT
framr-4076	403	21	37	37	NUM
framr-4076	403	22	-	-	SYM
framr-4076	403	23	71	71	NUM
framr-4076	403	24	52	52	NUM
framr-4076	403	25	©	©	PROPN
framr-4076	403	26	2025	2025	NUM
framr-4076	403	27	conscientia	conscientia	PROPN
framr-4076	403	28	beam	beam	PROPN
framr-4076	403	29	.	.	PUNCT
framr-4076	404	1	all	all	DET
framr-4076	404	2	rights	right	NOUN
framr-4076	404	3	reserved	reserve	VERB
framr-4076	404	4	.	.	PUNCT
framr-4076	405	1	to	to	PART
framr-4076	405	2	find	find	VERB
framr-4076	405	3	ways	way	NOUN
framr-4076	405	4	to	to	PART
framr-4076	405	5	differentiate	differentiate	VERB
framr-4076	405	6	between	between	ADP
framr-4076	405	7	these	these	DET
framr-4076	405	8	responses	response	NOUN
framr-4076	405	9	and	and	CCONJ
framr-4076	405	10	ensure	ensure	VERB
framr-4076	405	11	that	that	SCONJ
framr-4076	405	12	companies	company	NOUN
framr-4076	405	13	are	be	AUX
framr-4076	405	14	held	hold	VERB
framr-4076	405	15	accountable	accountable	ADJ
framr-4076	405	16	for	for	ADP
framr-4076	405	17	these	these	DET
framr-4076	405	18	environmental	environmental	ADJ
framr-4076	405	19	wake	wake	VERB
framr-4076	405	20	-	-	PUNCT
framr-4076	405	21	up	up	ADP
framr-4076	405	22	calls	call	NOUN
framr-4076	405	23	.	.	PUNCT
framr-4076	406	1	4	4	X
framr-4076	406	2	.	.	X
framr-4076	406	3	greenwashing	greenwashing	NOUN
framr-4076	406	4	impact	impact	NOUN
framr-4076	406	5	on	on	ADP
framr-4076	406	6	fintech	fintech	NOUN
framr-4076	406	7	4.1	4.1	NUM
framr-4076	406	8	.	.	PUNCT
framr-4076	407	1	environmental	environmental	ADJ
framr-4076	407	2	impact	impact	NOUN
framr-4076	407	3	greenwashing	greenwashe	VERB
framr-4076	407	4	in	in	ADP
framr-4076	407	5	the	the	DET
framr-4076	407	6	fintech	fintech	NOUN
framr-4076	407	7	sector	sector	NOUN
framr-4076	407	8	has	have	VERB
framr-4076	407	9	negative	negative	ADJ
framr-4076	407	10	environmental	environmental	ADJ
framr-4076	407	11	consequences	consequence	NOUN
framr-4076	407	12	because	because	SCONJ
framr-4076	407	13	it	it	PRON
framr-4076	407	14	contributes	contribute	VERB
framr-4076	407	15	to	to	ADP
framr-4076	407	16	the	the	DET
framr-4076	407	17	whitewashing	whitewashing	NOUN
framr-4076	407	18	of	of	ADP
framr-4076	407	19	sustainable	sustainable	ADJ
framr-4076	407	20	efforts	effort	NOUN
framr-4076	407	21	and	and	CCONJ
framr-4076	407	22	the	the	DET
framr-4076	407	23	fight	fight	NOUN
framr-4076	407	24	against	against	ADP
framr-4076	407	25	climate	climate	NOUN
framr-4076	407	26	change	change	NOUN
framr-4076	407	27	.	.	PUNCT
framr-4076	408	1	misleading	mislead	VERB
framr-4076	408	2	stakeholders	stakeholder	NOUN
framr-4076	408	3	about	about	ADP
framr-4076	408	4	environmental	environmental	ADJ
framr-4076	408	5	benefits	benefit	NOUN
framr-4076	408	6	can	can	AUX
framr-4076	408	7	lead	lead	VERB
framr-4076	408	8	to	to	ADP
framr-4076	408	9	socio	socio	VERB
framr-4076	408	10	-	-	PUNCT
framr-4076	408	11	ecological	ecological	ADJ
framr-4076	408	12	stagnation	stagnation	NOUN
framr-4076	408	13	,	,	PUNCT
framr-4076	408	14	where	where	SCONJ
framr-4076	408	15	consumers	consumer	NOUN
framr-4076	408	16	and	and	CCONJ
framr-4076	408	17	investors	investor	NOUN
framr-4076	408	18	perceive	perceive	VERB
framr-4076	408	19	progress	progress	NOUN
framr-4076	408	20	toward	toward	ADP
framr-4076	408	21	sustainability	sustainability	NOUN
framr-4076	408	22	,	,	PUNCT
framr-4076	408	23	even	even	ADV
framr-4076	408	24	when	when	SCONJ
framr-4076	408	25	little	little	ADJ
framr-4076	408	26	to	to	ADP
framr-4076	408	27	no	no	DET
framr-4076	408	28	positive	positive	ADJ
framr-4076	408	29	environmental	environmental	ADJ
framr-4076	408	30	change	change	NOUN
framr-4076	408	31	is	be	AUX
framr-4076	408	32	actually	actually	ADV
framr-4076	408	33	occurring	occur	VERB
framr-4076	408	34	.	.	PUNCT
framr-4076	409	1	the	the	DET
framr-4076	409	2	adverse	adverse	ADJ
framr-4076	409	3	effects	effect	NOUN
framr-4076	409	4	of	of	ADP
framr-4076	409	5	greenwashing	greenwashing	NOUN
framr-4076	409	6	are	be	AUX
framr-4076	409	7	most	most	ADV
framr-4076	409	8	likely	likely	ADV
framr-4076	409	9	felt	feel	VERB
framr-4076	409	10	because	because	SCONJ
framr-4076	409	11	it	it	PRON
framr-4076	409	12	raises	raise	VERB
framr-4076	409	13	awareness	awareness	NOUN
framr-4076	409	14	and	and	CCONJ
framr-4076	409	15	funds	fund	NOUN
framr-4076	409	16	for	for	ADP
framr-4076	409	17	practices	practice	NOUN
framr-4076	409	18	that	that	PRON
framr-4076	409	19	are	be	AUX
framr-4076	409	20	not	not	PART
framr-4076	409	21	environmentally	environmentally	ADV
framr-4076	409	22	friendly	friendly	ADJ
framr-4076	409	23	.	.	PUNCT
framr-4076	410	1	for	for	ADP
framr-4076	410	2	instance	instance	NOUN
framr-4076	410	3	,	,	PUNCT
framr-4076	410	4	if	if	SCONJ
framr-4076	410	5	a	a	DET
framr-4076	410	6	fintech	fintech	NOUN
framr-4076	410	7	company	company	NOUN
framr-4076	410	8	claims	claim	VERB
framr-4076	410	9	that	that	SCONJ
framr-4076	410	10	its	its	PRON
framr-4076	410	11	products	product	NOUN
framr-4076	410	12	are	be	AUX
framr-4076	410	13	financing	finance	VERB
framr-4076	410	14	renewable	renewable	ADJ
framr-4076	410	15	energy	energy	NOUN
framr-4076	410	16	projects	project	NOUN
framr-4076	410	17	but	but	CCONJ
framr-4076	410	18	,	,	PUNCT
framr-4076	410	19	in	in	ADP
framr-4076	410	20	reality	reality	NOUN
framr-4076	410	21	,	,	PUNCT
framr-4076	410	22	these	these	DET
framr-4076	410	23	projects	project	NOUN
framr-4076	410	24	are	be	AUX
framr-4076	410	25	negligible	negligible	ADJ
framr-4076	410	26	or	or	CCONJ
framr-4076	410	27	nonexistent	nonexistent	ADJ
framr-4076	410	28	,	,	PUNCT
framr-4076	410	29	it	it	PRON
framr-4076	410	30	displaces	displace	VERB
framr-4076	410	31	capital	capital	NOUN
framr-4076	410	32	from	from	ADP
framr-4076	410	33	other	other	ADJ
framr-4076	410	34	impactful	impactful	ADJ
framr-4076	410	35	environmental	environmental	ADJ
framr-4076	410	36	initiatives	initiative	NOUN
framr-4076	410	37	.	.	PUNCT
framr-4076	411	1	global	global	ADJ
framr-4076	411	2	sustainable	sustainable	ADJ
framr-4076	411	3	investment	investment	NOUN
framr-4076	411	4	alliance	alliance	NOUN
framr-4076	411	5	(	(	PUNCT
framr-4076	411	6	gsia	gsia	PROPN
framr-4076	411	7	)	)	PUNCT
framr-4076	411	8	(	(	PUNCT
framr-4076	411	9	2022	2022	NUM
framr-4076	411	10	)	)	PUNCT
framr-4076	411	11	shows	show	VERB
framr-4076	411	12	that	that	SCONJ
framr-4076	411	13	global	global	ADJ
framr-4076	411	14	sustainable	sustainable	ADJ
framr-4076	411	15	investment	investment	NOUN
framr-4076	411	16	amounted	amount	VERB
framr-4076	411	17	to	to	ADP
framr-4076	411	18	$	$	SYM
framr-4076	411	19	35	35	NUM
framr-4076	411	20	trillion	trillion	NUM
framr-4076	411	21	during	during	ADP
framr-4076	411	22	that	that	DET
framr-4076	411	23	period	period	NOUN
framr-4076	411	24	.	.	PUNCT
framr-4076	412	1	according	accord	VERB
framr-4076	412	2	to	to	ADP
framr-4076	412	3	the	the	DET
framr-4076	412	4	un	un	PROPN
framr-4076	412	5	,	,	PUNCT
framr-4076	412	6	about	about	ADV
framr-4076	412	7	$	$	SYM
framr-4076	412	8	3	3	NUM
framr-4076	412	9	trillion	trillion	NUM
framr-4076	412	10	was	be	AUX
framr-4076	412	11	invested	invest	VERB
framr-4076	412	12	in	in	ADP
framr-4076	412	13	sustainable	sustainable	ADJ
framr-4076	412	14	assets	asset	NOUN
framr-4076	412	15	in	in	ADP
framr-4076	412	16	2021	2021	NUM
framr-4076	412	17	alone	alone	ADV
framr-4076	412	18	.	.	PUNCT
framr-4076	413	1	however	however	ADV
framr-4076	413	2	,	,	PUNCT
framr-4076	413	3	greenwashing	greenwashing	NOUN
framr-4076	413	4	,	,	PUNCT
framr-4076	413	5	which	which	PRON
framr-4076	413	6	involves	involve	VERB
framr-4076	413	7	making	make	VERB
framr-4076	413	8	a	a	DET
framr-4076	413	9	product	product	NOUN
framr-4076	413	10	seem	seem	VERB
framr-4076	413	11	ecofriendly	ecofriendly	ADV
framr-4076	413	12	when	when	SCONJ
framr-4076	413	13	it	it	PRON
framr-4076	413	14	is	be	AUX
framr-4076	413	15	not	not	PART
framr-4076	413	16	,	,	PUNCT
framr-4076	413	17	also	also	ADV
framr-4076	413	18	exists	exist	VERB
framr-4076	413	19	,	,	PUNCT
framr-4076	413	20	leading	lead	VERB
framr-4076	413	21	to	to	ADP
framr-4076	413	22	a	a	DET
framr-4076	413	23	tendency	tendency	NOUN
framr-4076	413	24	for	for	SCONJ
framr-4076	413	25	a	a	DET
framr-4076	413	26	portion	portion	NOUN
framr-4076	413	27	of	of	ADP
framr-4076	413	28	this	this	DET
framr-4076	413	29	funding	funding	NOUN
framr-4076	413	30	to	to	PART
framr-4076	413	31	be	be	AUX
framr-4076	413	32	channelled	channel	VERB
framr-4076	413	33	to	to	ADP
framr-4076	413	34	firms	firm	NOUN
framr-4076	413	35	that	that	PRON
framr-4076	413	36	need	need	VERB
framr-4076	413	37	to	to	PART
framr-4076	413	38	prioritize	prioritize	VERB
framr-4076	413	39	environmental	environmental	ADJ
framr-4076	413	40	interests	interest	NOUN
framr-4076	413	41	,	,	PUNCT
framr-4076	413	42	thus	thus	ADV
framr-4076	413	43	undermining	undermine	VERB
framr-4076	413	44	sustainability	sustainability	NOUN
framr-4076	413	45	genuinely	genuinely	ADV
framr-4076	413	46	.	.	PUNCT
framr-4076	414	1	additionally	additionally	ADV
framr-4076	414	2	,	,	PUNCT
framr-4076	414	3	greenwashing	greenwashing	NOUN
framr-4076	414	4	worsens	worsen	VERB
framr-4076	414	5	the	the	DET
framr-4076	414	6	state	state	NOUN
framr-4076	414	7	of	of	ADP
framr-4076	414	8	the	the	DET
framr-4076	414	9	environment	environment	NOUN
framr-4076	414	10	as	as	SCONJ
framr-4076	414	11	companies	company	NOUN
framr-4076	414	12	can	can	AUX
framr-4076	414	13	continue	continue	VERB
framr-4076	414	14	their	their	PRON
framr-4076	414	15	harmful	harmful	ADJ
framr-4076	414	16	environmental	environmental	ADJ
framr-4076	414	17	practices	practice	NOUN
framr-4076	414	18	while	while	SCONJ
framr-4076	414	19	falsely	falsely	ADV
framr-4076	414	20	claiming	claim	VERB
framr-4076	414	21	to	to	PART
framr-4076	414	22	be	be	AUX
framr-4076	414	23	environmentally	environmentally	ADV
framr-4076	414	24	friendly	friendly	ADJ
framr-4076	414	25	.	.	PUNCT
framr-4076	415	1	for	for	ADP
framr-4076	415	2	example	example	NOUN
framr-4076	415	3	,	,	PUNCT
framr-4076	415	4	a	a	DET
framr-4076	415	5	fintech	fintech	NOUN
framr-4076	415	6	company	company	NOUN
framr-4076	415	7	that	that	PRON
framr-4076	415	8	acknowledges	acknowledge	VERB
framr-4076	415	9	the	the	DET
framr-4076	415	10	importance	importance	NOUN
framr-4076	415	11	of	of	ADP
framr-4076	415	12	carbon	carbon	NOUN
framr-4076	415	13	offset	offset	NOUN
framr-4076	415	14	programs	program	NOUN
framr-4076	415	15	may	may	AUX
framr-4076	415	16	falsely	falsely	ADV
framr-4076	415	17	claim	claim	VERB
framr-4076	415	18	their	their	PRON
framr-4076	415	19	programs	program	NOUN
framr-4076	415	20	are	be	AUX
framr-4076	415	21	highly	highly	ADV
framr-4076	415	22	effective	effective	ADJ
framr-4076	415	23	,	,	PUNCT
framr-4076	415	24	thus	thus	ADV
framr-4076	415	25	avoiding	avoid	VERB
framr-4076	415	26	more	more	ADV
framr-4076	415	27	significant	significant	ADJ
framr-4076	415	28	changes	change	NOUN
framr-4076	415	29	.	.	PUNCT
framr-4076	416	1	this	this	PRON
framr-4076	416	2	maintains	maintain	VERB
framr-4076	416	3	the	the	DET
framr-4076	416	4	company	company	NOUN
framr-4076	416	5	's	's	PART
framr-4076	416	6	negative	negative	ADJ
framr-4076	416	7	impact	impact	NOUN
framr-4076	416	8	on	on	ADP
framr-4076	416	9	the	the	DET
framr-4076	416	10	environment	environment	NOUN
framr-4076	416	11	and	and	CCONJ
framr-4076	416	12	contributes	contribute	VERB
framr-4076	416	13	to	to	ADP
framr-4076	416	14	the	the	DET
framr-4076	416	15	declining	decline	VERB
framr-4076	416	16	credibility	credibility	NOUN
framr-4076	416	17	of	of	ADP
framr-4076	416	18	sustainable	sustainable	ADJ
framr-4076	416	19	practices	practice	NOUN
framr-4076	416	20	within	within	ADP
framr-4076	416	21	industries	industry	NOUN
framr-4076	416	22	.	.	PUNCT
framr-4076	417	1	greenwashing	greenwashing	NOUN
framr-4076	417	2	also	also	ADV
framr-4076	417	3	discourages	discourage	VERB
framr-4076	417	4	environmental	environmental	ADJ
framr-4076	417	5	innovation	innovation	NOUN
framr-4076	417	6	because	because	SCONJ
framr-4076	417	7	protecting	protect	VERB
framr-4076	417	8	the	the	DET
framr-4076	417	9	environment	environment	NOUN
framr-4076	417	10	is	be	AUX
framr-4076	417	11	not	not	PART
framr-4076	417	12	the	the	DET
framr-4076	417	13	primary	primary	ADJ
framr-4076	417	14	motivation	motivation	NOUN
framr-4076	417	15	for	for	ADP
framr-4076	417	16	these	these	DET
framr-4076	417	17	firms	firm	NOUN
framr-4076	417	18	.	.	PUNCT
framr-4076	418	1	some	some	DET
framr-4076	418	2	companies	company	NOUN
framr-4076	418	3	choose	choose	VERB
framr-4076	418	4	low	low	ADJ
framr-4076	418	5	-	-	PUNCT
framr-4076	418	6	level	level	NOUN
framr-4076	418	7	green	green	ADJ
framr-4076	418	8	strategies	strategy	NOUN
framr-4076	418	9	that	that	PRON
framr-4076	418	10	are	be	AUX
framr-4076	418	11	easily	easily	ADV
framr-4076	418	12	implemented	implement	VERB
framr-4076	418	13	and	and	CCONJ
framr-4076	418	14	cheaper	cheap	ADJ
framr-4076	418	15	than	than	ADP
framr-4076	418	16	genuinely	genuinely	ADV
framr-4076	418	17	committing	commit	VERB
framr-4076	418	18	to	to	ADP
framr-4076	418	19	environmental	environmental	ADJ
framr-4076	418	20	improvement	improvement	NOUN
framr-4076	418	21	,	,	PUNCT
framr-4076	418	22	thus	thus	ADV
framr-4076	418	23	gaining	gain	VERB
framr-4076	418	24	a	a	DET
framr-4076	418	25	competitive	competitive	ADJ
framr-4076	418	26	edge	edge	NOUN
framr-4076	418	27	over	over	ADP
framr-4076	418	28	true	true	ADJ
framr-4076	418	29	ecological	ecological	ADJ
framr-4076	418	30	improvement	improvement	NOUN
framr-4076	418	31	efforts	effort	NOUN
framr-4076	418	32	.	.	PUNCT
framr-4076	419	1	this	this	PRON
framr-4076	419	2	can	can	AUX
framr-4076	419	3	hamper	hamper	VERB
framr-4076	419	4	the	the	DET
framr-4076	419	5	development	development	NOUN
framr-4076	419	6	of	of	ADP
framr-4076	419	7	innovative	innovative	ADJ
framr-4076	419	8	technology	technology	NOUN
framr-4076	419	9	and	and	CCONJ
framr-4076	419	10	practices	practice	NOUN
framr-4076	419	11	that	that	PRON
framr-4076	419	12	are	be	AUX
framr-4076	419	13	environmentally	environmentally	ADV
framr-4076	419	14	friendly	friendly	ADJ
framr-4076	419	15	,	,	PUNCT
framr-4076	419	16	leading	lead	VERB
framr-4076	419	17	to	to	ADP
framr-4076	419	18	slower	slow	ADJ
framr-4076	419	19	progress	progress	NOUN
framr-4076	419	20	in	in	ADP
framr-4076	419	21	environmental	environmental	ADJ
framr-4076	419	22	sustainability	sustainability	NOUN
framr-4076	419	23	within	within	ADP
framr-4076	419	24	the	the	DET
framr-4076	419	25	fintech	fintech	NOUN
framr-4076	419	26	domain	domain	NOUN
framr-4076	419	27	.	.	PUNCT
framr-4076	420	1	4.2	4.2	NUM
framr-4076	420	2	.	.	PUNCT
framr-4076	421	1	social	social	ADJ
framr-4076	421	2	impact	impact	NOUN
framr-4076	421	3	the	the	DET
framr-4076	421	4	influence	influence	NOUN
framr-4076	421	5	of	of	ADP
framr-4076	421	6	greenwashing	greenwashe	VERB
framr-4076	421	7	in	in	ADP
framr-4076	421	8	fintech	fintech	NOUN
framr-4076	421	9	is	be	AUX
framr-4076	421	10	social	social	ADJ
framr-4076	421	11	because	because	SCONJ
framr-4076	421	12	it	it	PRON
framr-4076	421	13	affects	affect	VERB
framr-4076	421	14	various	various	ADJ
framr-4076	421	15	aspects	aspect	NOUN
framr-4076	421	16	of	of	ADP
framr-4076	421	17	relationships	relationship	NOUN
framr-4076	421	18	between	between	ADP
framr-4076	421	19	firms	firm	NOUN
framr-4076	421	20	and	and	CCONJ
framr-4076	421	21	key	key	ADJ
framr-4076	421	22	stakeholders	stakeholder	NOUN
framr-4076	421	23	such	such	ADJ
framr-4076	421	24	as	as	ADP
framr-4076	421	25	clients	client	NOUN
framr-4076	421	26	,	,	PUNCT
framr-4076	421	27	workers	worker	NOUN
framr-4076	421	28	,	,	PUNCT
framr-4076	421	29	and	and	CCONJ
framr-4076	421	30	the	the	DET
framr-4076	421	31	public	public	NOUN
framr-4076	421	32	.	.	PUNCT
framr-4076	422	1	trust	trust	NOUN
framr-4076	422	2	is	be	AUX
framr-4076	422	3	an	an	DET
framr-4076	422	4	essential	essential	ADJ
framr-4076	422	5	aspect	aspect	NOUN
framr-4076	422	6	of	of	ADP
framr-4076	422	7	financial	financial	ADJ
framr-4076	422	8	services	service	NOUN
framr-4076	422	9	,	,	PUNCT
framr-4076	422	10	and	and	CCONJ
framr-4076	422	11	the	the	DET
framr-4076	422	12	more	more	ADJ
framr-4076	422	13	fintech	fintech	NOUN
framr-4076	422	14	companies	company	NOUN
framr-4076	422	15	engage	engage	VERB
framr-4076	422	16	in	in	ADP
framr-4076	422	17	greenwashing	greenwashing	NOUN
framr-4076	422	18	,	,	PUNCT
framr-4076	422	19	the	the	DET
framr-4076	422	20	more	more	ADV
framr-4076	422	21	negative	negative	ADJ
framr-4076	422	22	implications	implication	NOUN
framr-4076	422	23	arise	arise	VERB
framr-4076	422	24	.	.	PUNCT
framr-4076	423	1	the	the	DET
framr-4076	423	2	most	most	ADV
framr-4076	423	3	severe	severe	ADJ
framr-4076	423	4	social	social	ADJ
framr-4076	423	5	effect	effect	NOUN
framr-4076	423	6	of	of	ADP
framr-4076	423	7	greenwashing	greenwashing	NOUN
framr-4076	423	8	is	be	AUX
framr-4076	423	9	the	the	DET
framr-4076	423	10	potential	potential	NOUN
framr-4076	423	11	for	for	SCONJ
framr-4076	423	12	the	the	DET
framr-4076	423	13	general	general	ADJ
framr-4076	423	14	public	public	NOUN
framr-4076	423	15	to	to	PART
framr-4076	423	16	lose	lose	VERB
framr-4076	423	17	trust	trust	NOUN
framr-4076	423	18	in	in	ADP
framr-4076	423	19	organizations	organization	NOUN
framr-4076	423	20	.	.	PUNCT
framr-4076	424	1	today	today	NOUN
framr-4076	424	2	's	's	PART
framr-4076	424	3	consumers	consumer	NOUN
framr-4076	424	4	are	be	AUX
framr-4076	424	5	increasingly	increasingly	ADV
framr-4076	424	6	conscious	conscious	ADJ
framr-4076	424	7	of	of	ADP
framr-4076	424	8	their	their	PRON
framr-4076	424	9	consumption	consumption	NOUN
framr-4076	424	10	patterns	pattern	NOUN
framr-4076	424	11	'	'	PART
framr-4076	424	12	impacts	impact	NOUN
framr-4076	424	13	on	on	ADP
framr-4076	424	14	the	the	DET
framr-4076	424	15	environment	environment	NOUN
framr-4076	424	16	and	and	CCONJ
framr-4076	424	17	society	society	NOUN
framr-4076	424	18	.	.	PUNCT
framr-4076	425	1	according	accord	VERB
framr-4076	425	2	to	to	ADP
framr-4076	425	3	a	a	DET
framr-4076	425	4	report	report	NOUN
framr-4076	425	5	by	by	ADP
framr-4076	425	6	lim	lim	PROPN
framr-4076	425	7	et	et	PROPN
framr-4076	425	8	al	al	PROPN
framr-4076	425	9	.	.	PROPN
framr-4076	426	1	(	(	PUNCT
framr-4076	426	2	2023	2023	NUM
framr-4076	426	3	)	)	PUNCT
framr-4076	426	4	81	81	NUM
framr-4076	426	5	%	%	NOUN
framr-4076	426	6	of	of	ADP
framr-4076	426	7	global	global	ADJ
framr-4076	426	8	consumers	consumer	NOUN
framr-4076	426	9	believe	believe	VERB
framr-4076	426	10	companies	company	NOUN
framr-4076	426	11	should	should	AUX
framr-4076	426	12	play	play	VERB
framr-4076	426	13	a	a	DET
framr-4076	426	14	role	role	NOUN
framr-4076	426	15	in	in	ADP
framr-4076	426	16	improving	improve	VERB
framr-4076	426	17	the	the	DET
framr-4076	426	18	environment	environment	NOUN
framr-4076	426	19	.	.	PUNCT
framr-4076	427	1	when	when	SCONJ
framr-4076	427	2	consumers	consumer	NOUN
framr-4076	427	3	discover	discover	VERB
framr-4076	427	4	a	a	DET
framr-4076	427	5	company	company	NOUN
framr-4076	427	6	they	they	PRON
framr-4076	427	7	engage	engage	VERB
framr-4076	427	8	with	with	ADP
framr-4076	427	9	is	be	AUX
framr-4076	427	10	involved	involve	VERB
framr-4076	427	11	in	in	ADP
framr-4076	427	12	greenwashing	greenwashing	NOUN
framr-4076	427	13	,	,	PUNCT
framr-4076	427	14	their	their	PRON
framr-4076	427	15	emotions	emotion	NOUN
framr-4076	427	16	are	be	AUX
framr-4076	427	17	likely	likely	ADJ
framr-4076	427	18	to	to	PART
framr-4076	427	19	be	be	AUX
framr-4076	427	20	negative	negative	ADJ
framr-4076	427	21	,	,	PUNCT
framr-4076	427	22	leading	lead	VERB
framr-4076	427	23	them	they	PRON
framr-4076	427	24	to	to	PART
framr-4076	427	25	sever	sever	VERB
framr-4076	427	26	ties	tie	NOUN
framr-4076	427	27	with	with	ADP
framr-4076	427	28	the	the	DET
framr-4076	427	29	company	company	NOUN
framr-4076	427	30	,	,	PUNCT
framr-4076	427	31	resulting	result	VERB
framr-4076	427	32	in	in	ADP
framr-4076	427	33	customer	customer	NOUN
framr-4076	427	34	loss	loss	NOUN
framr-4076	427	35	and	and	CCONJ
framr-4076	427	36	reputational	reputational	ADJ
framr-4076	427	37	damage	damage	NOUN
framr-4076	427	38	.	.	PUNCT
framr-4076	428	1	the	the	DET
framr-4076	428	2	public	public	NOUN
framr-4076	428	3	loses	lose	VERB
framr-4076	428	4	trust	trust	NOUN
framr-4076	428	5	in	in	ADP
framr-4076	428	6	that	that	DET
framr-4076	428	7	company	company	NOUN
framr-4076	428	8	,	,	PUNCT
framr-4076	428	9	which	which	PRON
framr-4076	428	10	may	may	AUX
framr-4076	428	11	take	take	VERB
framr-4076	428	12	a	a	DET
framr-4076	428	13	long	long	ADJ
framr-4076	428	14	time	time	NOUN
framr-4076	428	15	to	to	PART
framr-4076	428	16	regain	regain	VERB
framr-4076	428	17	,	,	PUNCT
framr-4076	428	18	which	which	PRON
framr-4076	428	19	is	be	AUX
framr-4076	428	20	detrimental	detrimental	ADJ
framr-4076	428	21	to	to	ADP
framr-4076	428	22	its	its	PRON
framr-4076	428	23	reputation	reputation	NOUN
framr-4076	428	24	.	.	PUNCT
framr-4076	429	1	greenwashing	greenwashing	NOUN
framr-4076	429	2	also	also	ADV
framr-4076	429	3	hurts	hurt	VERB
framr-4076	429	4	employee	employee	NOUN
framr-4076	429	5	morale	morale	NOUN
framr-4076	429	6	and	and	CCONJ
framr-4076	429	7	engagement	engagement	NOUN
framr-4076	429	8	.	.	PUNCT
framr-4076	430	1	the	the	DET
framr-4076	430	2	values	value	NOUN
framr-4076	430	3	and	and	CCONJ
framr-4076	430	4	motives	motive	NOUN
framr-4076	430	5	of	of	ADP
framr-4076	430	6	a	a	DET
framr-4076	430	7	company	company	NOUN
framr-4076	430	8	in	in	ADP
framr-4076	430	9	the	the	DET
framr-4076	430	10	fintech	fintech	NOUN
framr-4076	430	11	industry	industry	NOUN
framr-4076	430	12	influence	influence	NOUN
framr-4076	430	13	employee	employee	NOUN
framr-4076	430	14	motivation	motivation	NOUN
framr-4076	430	15	.	.	PUNCT
framr-4076	431	1	according	accord	VERB
framr-4076	431	2	a	a	DET
framr-4076	431	3	to	to	ADP
framr-4076	431	4	deloitte	deloitte	PROPN
framr-4076	431	5	(	(	PUNCT
framr-4076	431	6	2021	2021	NUM
framr-4076	431	7	)	)	PUNCT
framr-4076	431	8	survey	survey	NOUN
framr-4076	431	9	,	,	PUNCT
framr-4076	431	10	49	49	NUM
framr-4076	431	11	%	%	NOUN
framr-4076	431	12	of	of	ADP
framr-4076	431	13	millennials	millennial	NOUN
framr-4076	431	14	and	and	CCONJ
framr-4076	431	15	44	44	NUM
framr-4076	431	16	%	%	NOUN
framr-4076	431	17	of	of	ADP
framr-4076	431	18	gen	gen	PROPN
framr-4076	431	19	-	-	ADJ
framr-4076	431	20	z	z	NOUN
framr-4076	431	21	employees	employee	NOUN
framr-4076	431	22	rejected	reject	VERB
framr-4076	431	23	jobs	job	NOUN
framr-4076	431	24	where	where	SCONJ
framr-4076	431	25	their	their	PRON
framr-4076	431	26	employer	employer	NOUN
framr-4076	431	27	's	's	PART
framr-4076	431	28	values	value	NOUN
framr-4076	431	29	did	do	AUX
framr-4076	431	30	not	not	PART
framr-4076	431	31	align	align	VERB
framr-4076	431	32	with	with	ADP
framr-4076	431	33	theirs	theirs	PRON
framr-4076	431	34	.	.	PUNCT
framr-4076	432	1	when	when	SCONJ
framr-4076	432	2	employees	employee	NOUN
framr-4076	432	3	discover	discover	VERB
framr-4076	432	4	that	that	SCONJ
framr-4076	432	5	their	their	PRON
framr-4076	432	6	company	company	NOUN
framr-4076	432	7	is	be	AUX
framr-4076	432	8	less	less	ADV
framr-4076	432	9	environmentally	environmentally	ADV
framr-4076	432	10	conscious	conscious	ADJ
framr-4076	432	11	than	than	SCONJ
framr-4076	432	12	it	it	PRON
framr-4076	432	13	claims	claim	VERB
framr-4076	432	14	to	to	PART
framr-4076	432	15	be	be	AUX
framr-4076	432	16	,	,	PUNCT
framr-4076	432	17	this	this	PRON
framr-4076	432	18	leads	lead	VERB
framr-4076	432	19	to	to	ADP
framr-4076	432	20	demotivation	demotivation	NOUN
framr-4076	432	21	,	,	PUNCT
framr-4076	432	22	lack	lack	NOUN
framr-4076	432	23	of	of	ADP
framr-4076	432	24	commitment	commitment	NOUN
framr-4076	432	25	,	,	PUNCT
framr-4076	432	26	and	and	CCONJ
framr-4076	432	27	high	high	ADJ
framr-4076	432	28	turnover	turnover	NOUN
framr-4076	432	29	rates	rate	NOUN
framr-4076	432	30	.	.	PUNCT
framr-4076	433	1	this	this	PRON
framr-4076	433	2	affects	affect	VERB
framr-4076	433	3	the	the	DET
framr-4076	433	4	company	company	NOUN
framr-4076	433	5	's	's	PART
framr-4076	433	6	organizational	organizational	ADJ
framr-4076	433	7	culture	culture	NOUN
framr-4076	433	8	and	and	CCONJ
framr-4076	433	9	hinders	hinder	VERB
framr-4076	433	10	the	the	DET
framr-4076	433	11	process	process	NOUN
framr-4076	433	12	of	of	ADP
framr-4076	433	13	attracting	attract	VERB
framr-4076	433	14	and	and	CCONJ
framr-4076	433	15	managing	manage	VERB
framr-4076	433	16	human	human	ADJ
framr-4076	433	17	capital	capital	NOUN
framr-4076	433	18	.	.	PUNCT
framr-4076	434	1	financial	financial	ADJ
framr-4076	434	2	risk	risk	NOUN
framr-4076	434	3	and	and	CCONJ
framr-4076	434	4	management	management	NOUN
framr-4076	434	5	reviews	review	NOUN
framr-4076	434	6	,	,	PUNCT
framr-4076	434	7	2025	2025	NUM
framr-4076	434	8	,	,	PUNCT
framr-4076	434	9	11(1	11(1	NUM
framr-4076	434	10	):	):	PUNCT
framr-4076	434	11	37	37	NUM
framr-4076	434	12	-	-	SYM
framr-4076	434	13	71	71	NUM
framr-4076	434	14	53	53	NUM
framr-4076	434	15	©	©	PROPN
framr-4076	434	16	2025	2025	NUM
framr-4076	434	17	conscientia	conscientia	PROPN
framr-4076	434	18	beam	beam	PROPN
framr-4076	434	19	.	.	PUNCT
framr-4076	435	1	all	all	DET
framr-4076	435	2	rights	right	NOUN
framr-4076	435	3	reserved	reserve	VERB
framr-4076	435	4	.	.	PUNCT
framr-4076	436	1	lastly	lastly	ADV
framr-4076	436	2	,	,	PUNCT
framr-4076	436	3	greenwashing	greenwashing	NOUN
framr-4076	436	4	can	can	AUX
framr-4076	436	5	cause	cause	VERB
framr-4076	436	6	consumers	consumer	NOUN
framr-4076	436	7	,	,	PUNCT
framr-4076	436	8	employees	employee	NOUN
framr-4076	436	9	,	,	PUNCT
framr-4076	436	10	and	and	CCONJ
framr-4076	436	11	society	society	NOUN
framr-4076	436	12	to	to	PART
framr-4076	436	13	lose	lose	VERB
framr-4076	436	14	faith	faith	NOUN
framr-4076	436	15	in	in	ADP
framr-4076	436	16	efforts	effort	NOUN
framr-4076	436	17	to	to	PART
framr-4076	436	18	address	address	VERB
framr-4076	436	19	environmental	environmental	ADJ
framr-4076	436	20	and	and	CCONJ
framr-4076	436	21	social	social	ADJ
framr-4076	436	22	issues	issue	NOUN
framr-4076	436	23	by	by	ADP
framr-4076	436	24	promoting	promote	VERB
framr-4076	436	25	a	a	DET
framr-4076	436	26	misleading	misleading	ADJ
framr-4076	436	27	image	image	NOUN
framr-4076	436	28	.	.	PUNCT
framr-4076	437	1	when	when	SCONJ
framr-4076	437	2	organisations	organisation	NOUN
framr-4076	437	3	implement	implement	VERB
framr-4076	437	4	fake	fake	ADJ
framr-4076	437	5	or	or	CCONJ
framr-4076	437	6	misleading	misleading	ADJ
framr-4076	437	7	sustainability	sustainability	NOUN
framr-4076	437	8	practices	practice	NOUN
framr-4076	437	9	,	,	PUNCT
framr-4076	437	10	public	public	ADJ
framr-4076	437	11	doubt	doubt	NOUN
framr-4076	437	12	often	often	ADV
framr-4076	437	13	follows	follow	VERB
framr-4076	437	14	.	.	PUNCT
framr-4076	438	1	this	this	PRON
framr-4076	438	2	can	can	AUX
framr-4076	438	3	prompt	prompt	VERB
framr-4076	438	4	society	society	NOUN
framr-4076	438	5	to	to	PART
framr-4076	438	6	become	become	VERB
framr-4076	438	7	sceptical	sceptical	ADJ
framr-4076	438	8	of	of	ADP
framr-4076	438	9	sustainability	sustainability	NOUN
framr-4076	438	10	disclosures	disclosure	NOUN
framr-4076	438	11	from	from	ADP
framr-4076	438	12	corporate	corporate	ADJ
framr-4076	438	13	organisations	organisation	NOUN
framr-4076	438	14	,	,	PUNCT
framr-4076	438	15	leading	lead	VERB
framr-4076	438	16	to	to	ADP
framr-4076	438	17	setbacks	setback	NOUN
framr-4076	438	18	in	in	ADP
framr-4076	438	19	addressing	address	VERB
framr-4076	438	20	issues	issue	NOUN
framr-4076	438	21	like	like	ADP
framr-4076	438	22	climate	climate	NOUN
framr-4076	438	23	change	change	NOUN
framr-4076	438	24	and	and	CCONJ
framr-4076	438	25	social	social	ADJ
framr-4076	438	26	justice	justice	NOUN
framr-4076	438	27	.	.	PUNCT
framr-4076	439	1	4.3	4.3	NUM
framr-4076	439	2	.	.	PUNCT
framr-4076	440	1	economic	economic	ADJ
framr-4076	440	2	impact	impact	NOUN
framr-4076	440	3	the	the	DET
framr-4076	440	4	problems	problem	NOUN
framr-4076	440	5	of	of	ADP
framr-4076	440	6	greenwashing	greenwashe	VERB
framr-4076	440	7	in	in	ADP
framr-4076	440	8	the	the	DET
framr-4076	440	9	framework	framework	NOUN
framr-4076	440	10	of	of	ADP
framr-4076	440	11	fintech	fintech	NOUN
framr-4076	440	12	are	be	AUX
framr-4076	440	13	diverse	diverse	ADJ
framr-4076	440	14	,	,	PUNCT
framr-4076	440	15	as	as	SCONJ
framr-4076	440	16	discussed	discuss	VERB
framr-4076	440	17	below	below	ADV
framr-4076	440	18	,	,	PUNCT
framr-4076	440	19	and	and	CCONJ
framr-4076	440	20	influence	influence	NOUN
framr-4076	440	21	not	not	PART
framr-4076	440	22	only	only	ADV
framr-4076	440	23	fintech	fintech	NOUN
framr-4076	440	24	companies	company	NOUN
framr-4076	440	25	but	but	CCONJ
framr-4076	440	26	also	also	ADV
framr-4076	440	27	the	the	DET
framr-4076	440	28	overall	overall	ADJ
framr-4076	440	29	financial	financial	ADJ
framr-4076	440	30	system	system	NOUN
framr-4076	440	31	.	.	PUNCT
framr-4076	441	1	at	at	ADP
framr-4076	441	2	an	an	DET
framr-4076	441	3	organizational	organizational	ADJ
framr-4076	441	4	level	level	NOUN
framr-4076	441	5	,	,	PUNCT
framr-4076	441	6	greenwashing	greenwashing	NOUN
framr-4076	441	7	costs	cost	NOUN
framr-4076	441	8	businesses	business	NOUN
framr-4076	441	9	significant	significant	ADJ
framr-4076	441	10	fines	fine	NOUN
framr-4076	441	11	,	,	PUNCT
framr-4076	441	12	lawsuits	lawsuit	NOUN
framr-4076	441	13	,	,	PUNCT
framr-4076	441	14	and	and	CCONJ
framr-4076	441	15	reputational	reputational	ADJ
framr-4076	441	16	damage	damage	NOUN
framr-4076	441	17	and	and	CCONJ
framr-4076	441	18	invites	invite	VERB
framr-4076	441	19	strong	strong	ADJ
framr-4076	441	20	criticism	criticism	NOUN
framr-4076	441	21	.	.	PUNCT
framr-4076	442	1	while	while	SCONJ
framr-4076	442	2	several	several	ADJ
framr-4076	442	3	new	new	ADJ
framr-4076	442	4	standards	standard	NOUN
framr-4076	442	5	in	in	ADP
framr-4076	442	6	esg	esg	PROPN
framr-4076	442	7	disclosures	disclosure	NOUN
framr-4076	442	8	have	have	AUX
framr-4076	442	9	been	be	AUX
framr-4076	442	10	emerging	emerge	VERB
framr-4076	442	11	globally	globally	ADV
framr-4076	442	12	through	through	ADP
framr-4076	442	13	accreditation	accreditation	NOUN
framr-4076	442	14	authorities	authority	NOUN
framr-4076	442	15	such	such	ADJ
framr-4076	442	16	as	as	ADP
framr-4076	442	17	the	the	DET
framr-4076	442	18	u.s	u.s	PROPN
framr-4076	442	19	.	.	PROPN
framr-4076	442	20	securities	securities	PROPN
framr-4076	442	21	and	and	CCONJ
framr-4076	442	22	exchange	exchange	PROPN
framr-4076	442	23	commission	commission	PROPN
framr-4076	442	24	(	(	PUNCT
framr-4076	442	25	sec	sec	PROPN
framr-4076	442	26	)	)	PUNCT
framr-4076	442	27	and	and	CCONJ
framr-4076	442	28	the	the	DET
framr-4076	442	29	european	european	PROPN
framr-4076	442	30	union	union	PROPN
framr-4076	442	31	,	,	PUNCT
framr-4076	442	32	companies	company	NOUN
framr-4076	442	33	involved	involve	VERB
framr-4076	442	34	in	in	ADP
framr-4076	442	35	greenwashing	greenwashing	NOUN
framr-4076	442	36	are	be	AUX
framr-4076	442	37	now	now	ADV
framr-4076	442	38	more	more	ADV
framr-4076	442	39	vulnerable	vulnerable	ADJ
framr-4076	442	40	to	to	ADP
framr-4076	442	41	legal	legal	ADJ
framr-4076	442	42	consequences	consequence	NOUN
framr-4076	442	43	,	,	PUNCT
framr-4076	442	44	including	include	VERB
framr-4076	442	45	fines	fine	NOUN
framr-4076	442	46	.	.	PUNCT
framr-4076	443	1	for	for	ADP
framr-4076	443	2	instance	instance	NOUN
framr-4076	443	3	,	,	PUNCT
framr-4076	443	4	in	in	ADP
framr-4076	443	5	2021	2021	NUM
framr-4076	443	6	,	,	PUNCT
framr-4076	443	7	the	the	DET
framr-4076	443	8	sec	sec	PROPN
framr-4076	443	9	climate	climate	NOUN
framr-4076	443	10	and	and	CCONJ
framr-4076	443	11	esg	esg	PROPN
framr-4076	443	12	task	task	PROPN
framr-4076	443	13	force	force	NOUN
framr-4076	443	14	began	begin	VERB
framr-4076	443	15	cybersecurity	cybersecurity	NOUN
framr-4076	443	16	probes	probe	NOUN
framr-4076	443	17	on	on	ADP
framr-4076	443	18	firms	firm	NOUN
framr-4076	443	19	over	over	ADP
framr-4076	443	20	greenwashing	greenwashing	NOUN
framr-4076	443	21	,	,	PUNCT
framr-4076	443	22	exposing	expose	VERB
framr-4076	443	23	the	the	DET
framr-4076	443	24	real	real	ADJ
framr-4076	443	25	monetary	monetary	ADJ
framr-4076	443	26	dangers	danger	NOUN
framr-4076	443	27	linked	link	VERB
framr-4076	443	28	with	with	ADP
framr-4076	443	29	such	such	ADJ
framr-4076	443	30	practices	practice	NOUN
framr-4076	443	31	(	(	PUNCT
framr-4076	443	32	u.s	u.s	PROPN
framr-4076	443	33	.	.	PROPN
framr-4076	443	34	securities	securities	PROPN
framr-4076	443	35	and	and	CCONJ
framr-4076	443	36	exchange	exchange	PROPN
framr-4076	443	37	commission	commission	PROPN
framr-4076	443	38	(	(	PUNCT
framr-4076	443	39	sec	sec	PROPN
framr-4076	443	40	)	)	PUNCT
framr-4076	443	41	,	,	PUNCT
framr-4076	443	42	2021	2021	NUM
framr-4076	443	43	)	)	PUNCT
framr-4076	443	44	.	.	PUNCT
framr-4076	444	1	some	some	DET
framr-4076	444	2	ways	way	NOUN
framr-4076	444	3	greenwashing	greenwashing	NOUN
framr-4076	444	4	causes	cause	VERB
framr-4076	444	5	business	business	NOUN
framr-4076	444	6	organizations	organization	NOUN
framr-4076	444	7	to	to	PART
framr-4076	444	8	lose	lose	VERB
framr-4076	444	9	their	their	PRON
framr-4076	444	10	reputation	reputation	NOUN
framr-4076	444	11	include	include	VERB
framr-4076	444	12	customer	customer	NOUN
framr-4076	444	13	turnover	turnover	NOUN
framr-4076	444	14	and	and	CCONJ
framr-4076	444	15	decreased	decrease	VERB
framr-4076	444	16	market	market	NOUN
framr-4076	444	17	share	share	NOUN
framr-4076	444	18	.	.	PUNCT
framr-4076	445	1	a	a	DET
framr-4076	445	2	study	study	NOUN
framr-4076	445	3	conducted	conduct	VERB
framr-4076	445	4	by	by	ADP
framr-4076	445	5	the	the	DET
framr-4076	445	6	harvard	harvard	PROPN
framr-4076	445	7	business	business	PROPN
framr-4076	445	8	review	review	NOUN
framr-4076	445	9	in	in	ADP
framr-4076	445	10	2022	2022	NUM
framr-4076	445	11	revealed	reveal	VERB
framr-4076	445	12	that	that	SCONJ
framr-4076	445	13	businesses	business	NOUN
framr-4076	445	14	indicted	indict	VERB
framr-4076	445	15	for	for	ADP
framr-4076	445	16	greenwashing	greenwashing	NOUN
framr-4076	445	17	suffered	suffer	VERB
framr-4076	445	18	an	an	DET
framr-4076	445	19	average	average	ADJ
framr-4076	445	20	erosion	erosion	NOUN
framr-4076	445	21	of	of	ADP
framr-4076	445	22	brand	brand	NOUN
framr-4076	445	23	value	value	NOUN
framr-4076	445	24	of	of	ADP
framr-4076	445	25	2	2	NUM
framr-4076	445	26	%	%	NOUN
framr-4076	445	27	.	.	PUNCT
framr-4076	446	1	after	after	ADP
framr-4076	446	2	a	a	DET
framr-4076	446	3	year	year	NOUN
framr-4076	446	4	,	,	PUNCT
framr-4076	446	5	the	the	DET
framr-4076	446	6	long	long	ADJ
framr-4076	446	7	-	-	PUNCT
framr-4076	446	8	term	term	NOUN
framr-4076	446	9	effects	effect	NOUN
framr-4076	446	10	on	on	ADP
framr-4076	446	11	brand	brand	NOUN
framr-4076	446	12	identity	identity	NOUN
framr-4076	446	13	can	can	AUX
framr-4076	446	14	affect	affect	VERB
framr-4076	446	15	an	an	DET
framr-4076	446	16	organization	organization	NOUN
framr-4076	446	17	's	's	PART
framr-4076	446	18	sales	sale	NOUN
framr-4076	446	19	,	,	PUNCT
framr-4076	446	20	profits	profit	NOUN
framr-4076	446	21	,	,	PUNCT
framr-4076	446	22	and	and	CCONJ
framr-4076	446	23	shareholder	shareholder	NOUN
framr-4076	446	24	value	value	NOUN
framr-4076	446	25	.	.	PUNCT
framr-4076	447	1	further	far	ADV
framr-4076	447	2	,	,	PUNCT
framr-4076	447	3	greenwashing	greenwashing	NOUN
framr-4076	447	4	creates	create	VERB
framr-4076	447	5	a	a	DET
framr-4076	447	6	scenario	scenario	NOUN
framr-4076	447	7	where	where	SCONJ
framr-4076	447	8	word	word	NOUN
framr-4076	447	9	-	-	PUNCT
framr-4076	447	10	of	of	ADP
framr-4076	447	11	-	-	PUNCT
framr-4076	447	12	mouth	mouth	NOUN
framr-4076	447	13	communication	communication	NOUN
framr-4076	447	14	interferes	interfere	VERB
framr-4076	447	15	with	with	ADP
framr-4076	447	16	market	market	NOUN
framr-4076	447	17	signals	signal	NOUN
framr-4076	447	18	,	,	PUNCT
framr-4076	447	19	leading	lead	VERB
framr-4076	447	20	to	to	ADP
framr-4076	447	21	the	the	DET
framr-4076	447	22	misallocation	misallocation	NOUN
framr-4076	447	23	of	of	ADP
framr-4076	447	24	capital	capital	NOUN
framr-4076	447	25	.	.	PUNCT
framr-4076	448	1	investors	investor	NOUN
framr-4076	448	2	who	who	PRON
framr-4076	448	3	follow	follow	VERB
framr-4076	448	4	false	false	ADJ
framr-4076	448	5	signals	signal	NOUN
framr-4076	448	6	may	may	AUX
framr-4076	448	7	invest	invest	VERB
framr-4076	448	8	in	in	ADP
framr-4076	448	9	companies	company	NOUN
framr-4076	448	10	that	that	PRON
framr-4076	448	11	do	do	AUX
framr-4076	448	12	not	not	PART
framr-4076	448	13	contribute	contribute	VERB
framr-4076	448	14	to	to	ADP
framr-4076	448	15	environmental	environmental	ADJ
framr-4076	448	16	or	or	CCONJ
framr-4076	448	17	social	social	ADJ
framr-4076	448	18	sustainability	sustainability	NOUN
framr-4076	448	19	goals	goal	NOUN
framr-4076	448	20	,	,	PUNCT
framr-4076	448	21	thereby	thereby	ADV
framr-4076	448	22	misallocating	misallocate	VERB
framr-4076	448	23	resources	resource	NOUN
framr-4076	448	24	.	.	PUNCT
framr-4076	449	1	this	this	PRON
framr-4076	449	2	can	can	AUX
framr-4076	449	3	impact	impact	VERB
framr-4076	449	4	the	the	DET
framr-4076	449	5	economy	economy	NOUN
framr-4076	449	6	as	as	ADP
framr-4076	449	7	funds	fund	NOUN
framr-4076	449	8	that	that	PRON
framr-4076	449	9	could	could	AUX
framr-4076	449	10	be	be	AUX
framr-4076	449	11	used	use	VERB
framr-4076	449	12	for	for	ADP
framr-4076	449	13	sustainable	sustainable	ADJ
framr-4076	449	14	projects	project	NOUN
framr-4076	449	15	are	be	AUX
framr-4076	449	16	instead	instead	ADV
framr-4076	449	17	directed	direct	VERB
framr-4076	449	18	to	to	ADP
framr-4076	449	19	these	these	DET
framr-4076	449	20	deceptive	deceptive	ADJ
framr-4076	449	21	firms	firm	NOUN
framr-4076	449	22	.	.	PUNCT
framr-4076	450	1	in	in	ADP
framr-4076	450	2	a	a	DET
framr-4076	450	3	report	report	NOUN
framr-4076	450	4	by	by	ADP
framr-4076	450	5	morningstar	morningstar	NOUN
framr-4076	450	6	(	(	PUNCT
framr-4076	450	7	2023	2023	NUM
framr-4076	450	8	)	)	PUNCT
framr-4076	450	9	global	global	ADJ
framr-4076	450	10	sustainable	sustainable	ADJ
framr-4076	450	11	fund	fund	NOUN
framr-4076	450	12	flows	flow	NOUN
framr-4076	450	13	reached	reach	VERB
framr-4076	450	14	$	$	SYM
framr-4076	450	15	3.30	3.30	NUM
framr-4076	450	16	trillion	trillion	NUM
framr-4076	450	17	for	for	ADP
framr-4076	450	18	the	the	DET
framr-4076	450	19	first	first	ADJ
framr-4076	450	20	time	time	NOUN
framr-4076	450	21	in	in	ADP
framr-4076	450	22	2022	2022	NUM
framr-4076	450	23	.	.	PUNCT
framr-4076	451	1	still	still	ADV
framr-4076	451	2	,	,	PUNCT
framr-4076	451	3	the	the	DET
framr-4076	451	4	issue	issue	NOUN
framr-4076	451	5	of	of	ADP
framr-4076	451	6	greenwashing	greenwashing	NOUN
framr-4076	451	7	remains	remain	VERB
framr-4076	451	8	prevalent	prevalent	ADJ
framr-4076	451	9	in	in	ADP
framr-4076	451	10	such	such	ADJ
framr-4076	451	11	investments	investment	NOUN
framr-4076	451	12	,	,	PUNCT
framr-4076	451	13	leading	lead	VERB
framr-4076	451	14	to	to	ADP
framr-4076	451	15	increased	increase	VERB
framr-4076	451	16	negative	negative	ADJ
framr-4076	451	17	impacts	impact	NOUN
framr-4076	451	18	on	on	ADP
framr-4076	451	19	sustainability	sustainability	NOUN
framr-4076	451	20	.	.	PUNCT
framr-4076	452	1	lastly	lastly	ADV
framr-4076	452	2	,	,	PUNCT
framr-4076	452	3	the	the	DET
framr-4076	452	4	risk	risk	NOUN
framr-4076	452	5	of	of	ADP
framr-4076	452	6	greenwashing	greenwashing	NOUN
framr-4076	452	7	poses	pose	VERB
framr-4076	452	8	a	a	DET
framr-4076	452	9	systemic	systemic	ADJ
framr-4076	452	10	threat	threat	NOUN
framr-4076	452	11	to	to	ADP
framr-4076	452	12	the	the	DET
framr-4076	452	13	financial	financial	ADJ
framr-4076	452	14	sector	sector	NOUN
framr-4076	452	15	as	as	SCONJ
framr-4076	452	16	it	it	PRON
framr-4076	452	17	fosters	foster	VERB
framr-4076	452	18	misleading	misleading	ADJ
framr-4076	452	19	imagery	imagery	NOUN
framr-4076	452	20	and	and	CCONJ
framr-4076	452	21	complacency	complacency	NOUN
framr-4076	452	22	towards	towards	ADP
framr-4076	452	23	environmental	environmental	ADJ
framr-4076	452	24	degradation	degradation	NOUN
framr-4076	452	25	.	.	PUNCT
framr-4076	453	1	with	with	ADP
framr-4076	453	2	the	the	DET
framr-4076	453	3	growing	grow	VERB
framr-4076	453	4	market	market	NOUN
framr-4076	453	5	size	size	NOUN
framr-4076	453	6	in	in	ADP
framr-4076	453	7	sustainable	sustainable	ADJ
framr-4076	453	8	finance	finance	NOUN
framr-4076	453	9	,	,	PUNCT
framr-4076	453	10	the	the	DET
framr-4076	453	11	industry	industry	NOUN
framr-4076	453	12	's	's	PART
framr-4076	453	13	credibility	credibility	NOUN
framr-4076	453	14	is	be	AUX
framr-4076	453	15	anchored	anchor	VERB
framr-4076	453	16	on	on	ADP
framr-4076	453	17	the	the	DET
framr-4076	453	18	truthfulness	truthfulness	ADJ
framr-4076	453	19	of	of	ADP
framr-4076	453	20	sustainability	sustainability	NOUN
framr-4076	453	21	claims	claim	NOUN
framr-4076	453	22	made	make	VERB
framr-4076	453	23	by	by	ADP
framr-4076	453	24	firms	firm	NOUN
framr-4076	453	25	.	.	PUNCT
framr-4076	454	1	the	the	DET
framr-4076	454	2	failure	failure	NOUN
framr-4076	454	3	to	to	PART
framr-4076	454	4	practice	practice	VERB
framr-4076	454	5	genuine	genuine	ADJ
framr-4076	454	6	sustainability	sustainability	NOUN
framr-4076	454	7	in	in	ADP
framr-4076	454	8	green	green	ADJ
framr-4076	454	9	finance	finance	NOUN
framr-4076	454	10	can	can	AUX
framr-4076	454	11	negatively	negatively	ADV
framr-4076	454	12	impact	impact	VERB
framr-4076	454	13	consumer	consumer	NOUN
framr-4076	454	14	confidence	confidence	NOUN
framr-4076	454	15	and	and	CCONJ
framr-4076	454	16	may	may	AUX
framr-4076	454	17	lead	lead	VERB
framr-4076	454	18	the	the	DET
framr-4076	454	19	market	market	NOUN
framr-4076	454	20	to	to	PART
framr-4076	454	21	correct	correct	VERB
framr-4076	454	22	the	the	DET
framr-4076	454	23	situation	situation	NOUN
framr-4076	454	24	or	or	CCONJ
framr-4076	454	25	even	even	ADV
framr-4076	454	26	experience	experience	VERB
framr-4076	454	27	a	a	DET
framr-4076	454	28	crisis	crisis	NOUN
framr-4076	454	29	.	.	PUNCT
framr-4076	455	1	both	both	DET
framr-4076	455	2	outcomes	outcome	NOUN
framr-4076	455	3	could	could	AUX
framr-4076	455	4	result	result	VERB
framr-4076	455	5	in	in	ADP
framr-4076	455	6	significant	significant	ADJ
framr-4076	455	7	economic	economic	ADJ
framr-4076	455	8	shocks	shock	NOUN
framr-4076	455	9	to	to	ADP
framr-4076	455	10	individual	individual	ADJ
framr-4076	455	11	firms	firm	NOUN
framr-4076	455	12	and	and	CCONJ
framr-4076	455	13	the	the	DET
framr-4076	455	14	overall	overall	ADJ
framr-4076	455	15	financial	financial	ADJ
framr-4076	455	16	system	system	NOUN
framr-4076	455	17	.	.	PUNCT
framr-4076	456	1	5	5	X
framr-4076	456	2	.	.	X
framr-4076	456	3	case	case	NOUN
framr-4076	456	4	studies	study	VERB
framr-4076	456	5	5.1	5.1	NUM
framr-4076	456	6	.	.	PUNCT
framr-4076	457	1	greenwashing	greenwashe	VERB
framr-4076	457	2	in	in	ADP
framr-4076	457	3	digital	digital	ADJ
framr-4076	457	4	banking	banking	NOUN
framr-4076	457	5	by	by	ADP
framr-4076	457	6	establishing	establish	VERB
framr-4076	457	7	a	a	DET
framr-4076	457	8	clear	clear	ADJ
framr-4076	457	9	reference	reference	NOUN
framr-4076	457	10	framework	framework	NOUN
framr-4076	457	11	,	,	PUNCT
framr-4076	457	12	green	green	ADJ
framr-4076	457	13	bonds	bond	NOUN
framr-4076	457	14	can	can	AUX
framr-4076	457	15	help	help	VERB
framr-4076	457	16	reduce	reduce	VERB
framr-4076	457	17	the	the	DET
framr-4076	457	18	risk	risk	NOUN
framr-4076	457	19	of	of	ADP
framr-4076	457	20	greenwashing	greenwashing	NOUN
framr-4076	457	21	and	and	CCONJ
framr-4076	457	22	direct	direct	ADJ
framr-4076	457	23	funding	funding	NOUN
framr-4076	457	24	toward	toward	ADP
framr-4076	457	25	environmentally	environmentally	ADV
framr-4076	457	26	sustainable	sustainable	ADJ
framr-4076	457	27	projects	project	NOUN
framr-4076	457	28	.	.	PUNCT
framr-4076	458	1	the	the	DET
framr-4076	458	2	authors	author	NOUN
framr-4076	458	3	also	also	ADV
framr-4076	458	4	mentioned	mention	VERB
framr-4076	458	5	the	the	DET
framr-4076	458	6	difficulties	difficulty	NOUN
framr-4076	458	7	that	that	PRON
framr-4076	458	8	issuers	issuer	NOUN
framr-4076	458	9	,	,	PUNCT
framr-4076	458	10	investors	investor	NOUN
framr-4076	458	11	,	,	PUNCT
framr-4076	458	12	and	and	CCONJ
framr-4076	458	13	intermediaries	intermediary	NOUN
framr-4076	458	14	face	face	VERB
framr-4076	458	15	as	as	SCONJ
framr-4076	458	16	the	the	DET
framr-4076	458	17	green	green	ADJ
framr-4076	458	18	bond	bond	NOUN
framr-4076	458	19	market	market	NOUN
framr-4076	458	20	expands	expand	VERB
framr-4076	458	21	(	(	PUNCT
framr-4076	458	22	galletta	galletta	ADJ
framr-4076	458	23	,	,	PUNCT
framr-4076	458	24	mazzù	mazzù	ADJ
framr-4076	458	25	,	,	PUNCT
framr-4076	458	26	naciti	naciti	ADJ
framr-4076	458	27	,	,	PUNCT
framr-4076	458	28	&	&	CCONJ
framr-4076	458	29	paltrinieri	paltrinieri	PROPN
framr-4076	458	30	,	,	PUNCT
framr-4076	458	31	2024	2024	NUM
framr-4076	458	32	)	)	PUNCT
framr-4076	458	33	.	.	PUNCT
framr-4076	459	1	a	a	DET
framr-4076	459	2	working	work	VERB
framr-4076	459	3	group	group	NOUN
framr-4076	459	4	has	have	AUX
framr-4076	459	5	been	be	AUX
framr-4076	459	6	formed	form	VERB
framr-4076	459	7	by	by	ADP
framr-4076	459	8	the	the	DET
framr-4076	459	9	international	international	ADJ
framr-4076	459	10	organisation	organisation	NOUN
framr-4076	459	11	of	of	ADP
framr-4076	459	12	securities	security	NOUN
framr-4076	459	13	commissions	commission	NOUN
framr-4076	459	14	organisation	organisation	NOUN
framr-4076	459	15	(	(	PUNCT
framr-4076	459	16	iosco	iosco	NOUN
framr-4076	459	17	)	)	PUNCT
framr-4076	459	18	,	,	PUNCT
framr-4076	459	19	which	which	PRON
framr-4076	459	20	represents	represent	VERB
framr-4076	459	21	90	90	NUM
framr-4076	459	22	%	%	NOUN
framr-4076	459	23	of	of	ADP
framr-4076	459	24	global	global	ADJ
framr-4076	459	25	public	public	ADJ
framr-4076	459	26	market	market	NOUN
framr-4076	459	27	security	security	NOUN
framr-4076	459	28	regulators	regulator	NOUN
framr-4076	459	29	,	,	PUNCT
framr-4076	459	30	to	to	PART
framr-4076	459	31	develop	develop	VERB
framr-4076	459	32	climate	climate	NOUN
framr-4076	459	33	disclosure	disclosure	NOUN
framr-4076	459	34	indicators	indicator	NOUN
framr-4076	459	35	for	for	ADP
framr-4076	459	36	publicly	publicly	ADV
framr-4076	459	37	traded	trade	VERB
framr-4076	459	38	corporations	corporation	NOUN
framr-4076	459	39	.	.	PUNCT
framr-4076	460	1	metrics	metric	NOUN
framr-4076	460	2	for	for	ADP
framr-4076	460	3	climate	climate	NOUN
framr-4076	460	4	disclosure	disclosure	NOUN
framr-4076	460	5	are	be	AUX
framr-4076	460	6	important	important	ADJ
framr-4076	460	7	and	and	CCONJ
framr-4076	460	8	necessary	necessary	ADJ
framr-4076	460	9	to	to	PART
framr-4076	460	10	support	support	VERB
framr-4076	460	11	boards	board	NOUN
framr-4076	460	12	and	and	CCONJ
framr-4076	460	13	other	other	ADJ
framr-4076	460	14	stakeholders	stakeholder	NOUN
framr-4076	460	15	in	in	ADP
framr-4076	460	16	evaluating	evaluate	VERB
framr-4076	460	17	the	the	DET
framr-4076	460	18	possibilities	possibility	NOUN
framr-4076	460	19	,	,	PUNCT
framr-4076	460	20	risks	risk	NOUN
framr-4076	460	21	,	,	PUNCT
framr-4076	460	22	and	and	CCONJ
framr-4076	460	23	climate	climate	NOUN
framr-4076	460	24	performance	performance	NOUN
framr-4076	460	25	of	of	ADP
framr-4076	460	26	their	their	PRON
framr-4076	460	27	companies	company	NOUN
framr-4076	460	28	(	(	PUNCT
framr-4076	460	29	grove	grove	PROPN
framr-4076	460	30	&	&	CCONJ
framr-4076	460	31	clouse	clouse	PROPN
framr-4076	460	32	,	,	PUNCT
framr-4076	460	33	2021	2021	NUM
framr-4076	460	34	)	)	PUNCT
framr-4076	460	35	.	.	PUNCT
framr-4076	461	1	banks	bank	NOUN
framr-4076	461	2	engage	engage	VERB
framr-4076	461	3	in	in	ADP
framr-4076	461	4	greenwashing	greenwashe	VERB
framr-4076	461	5	for	for	ADP
framr-4076	461	6	several	several	ADJ
framr-4076	461	7	reasons	reason	NOUN
framr-4076	461	8	.	.	PUNCT
framr-4076	462	1	the	the	DET
framr-4076	462	2	need	need	NOUN
framr-4076	462	3	to	to	PART
framr-4076	462	4	satisfy	satisfy	VERB
framr-4076	462	5	esg	esg	PROPN
framr-4076	462	6	standards	standard	NOUN
framr-4076	462	7	and	and	CCONJ
framr-4076	462	8	show	show	VERB
framr-4076	462	9	a	a	DET
framr-4076	462	10	commitment	commitment	NOUN
framr-4076	462	11	to	to	ADP
framr-4076	462	12	sustainable	sustainable	ADJ
framr-4076	462	13	finance	finance	NOUN
framr-4076	462	14	is	be	AUX
framr-4076	462	15	one	one	NUM
framr-4076	462	16	of	of	ADP
framr-4076	462	17	the	the	DET
framr-4076	462	18	primary	primary	ADJ
framr-4076	462	19	causes	cause	NOUN
framr-4076	462	20	.	.	PUNCT
framr-4076	463	1	banks	bank	NOUN
framr-4076	463	2	may	may	AUX
framr-4076	463	3	influence	influence	VERB
framr-4076	463	4	their	their	PRON
framr-4076	463	5	decisions	decision	NOUN
framr-4076	463	6	to	to	PART
framr-4076	463	7	embrace	embrace	VERB
framr-4076	463	8	more	more	ADV
framr-4076	463	9	environmentally	environmentally	ADV
framr-4076	463	10	sustainable	sustainable	ADJ
framr-4076	463	11	models	model	NOUN
framr-4076	463	12	by	by	ADP
framr-4076	463	13	providing	provide	VERB
framr-4076	463	14	funding	funding	NOUN
framr-4076	463	15	for	for	ADP
framr-4076	463	16	the	the	DET
framr-4076	463	17	economy	economy	NOUN
framr-4076	463	18	.	.	PUNCT
framr-4076	464	1	therefore	therefore	ADV
framr-4076	464	2	,	,	PUNCT
framr-4076	464	3	to	to	PART
framr-4076	464	4	minimise	minimise	VERB
framr-4076	464	5	moral	moral	ADJ
framr-4076	464	6	financial	financial	ADJ
framr-4076	464	7	risk	risk	NOUN
framr-4076	464	8	and	and	CCONJ
framr-4076	464	9	management	management	NOUN
framr-4076	464	10	reviews	review	NOUN
framr-4076	464	11	,	,	PUNCT
framr-4076	464	12	2025	2025	NUM
framr-4076	464	13	,	,	PUNCT
framr-4076	464	14	11(1	11(1	NUM
framr-4076	464	15	):	):	PUNCT
framr-4076	464	16	37	37	NUM
framr-4076	464	17	-	-	SYM
framr-4076	464	18	71	71	NUM
framr-4076	464	19	54	54	NUM
framr-4076	464	20	©	©	PROPN
framr-4076	464	21	2025	2025	NUM
framr-4076	464	22	conscientia	conscientia	PROPN
framr-4076	464	23	beam	beam	PROPN
framr-4076	464	24	.	.	PUNCT
framr-4076	465	1	all	all	DET
framr-4076	465	2	rights	right	NOUN
framr-4076	465	3	reserved	reserve	VERB
framr-4076	465	4	.	.	PUNCT
framr-4076	466	1	hazard	hazard	NOUN
framr-4076	466	2	attitudes	attitude	NOUN
framr-4076	466	3	,	,	PUNCT
framr-4076	466	4	banks	bank	NOUN
framr-4076	466	5	need	need	VERB
framr-4076	466	6	to	to	PART
framr-4076	466	7	implement	implement	VERB
framr-4076	466	8	control	control	NOUN
framr-4076	466	9	and	and	CCONJ
framr-4076	466	10	verification	verification	NOUN
framr-4076	466	11	systems	system	NOUN
framr-4076	466	12	to	to	PART
framr-4076	466	13	guarantee	guarantee	VERB
framr-4076	466	14	that	that	SCONJ
framr-4076	466	15	the	the	DET
framr-4076	466	16	money	money	NOUN
framr-4076	466	17	given	give	VERB
framr-4076	466	18	to	to	ADP
framr-4076	466	19	businesses	business	NOUN
framr-4076	466	20	for	for	ADP
framr-4076	466	21	genuine	genuine	ADJ
framr-4076	466	22	eco	eco	NOUN
framr-4076	466	23	-	-	PUNCT
framr-4076	466	24	sustainable	sustainable	ADJ
framr-4076	466	25	operations	operation	NOUN
framr-4076	466	26	is	be	AUX
framr-4076	466	27	used	use	VERB
framr-4076	466	28	for	for	ADP
framr-4076	466	29	such	such	ADJ
framr-4076	466	30	objectives	objective	NOUN
framr-4076	466	31	(	(	PUNCT
framr-4076	466	32	galletta	galletta	NOUN
framr-4076	466	33	et	et	PROPN
framr-4076	466	34	al	al	PROPN
framr-4076	466	35	.	.	PROPN
framr-4076	466	36	,	,	PUNCT
framr-4076	466	37	2024	2024	NUM
framr-4076	466	38	)	)	PUNCT
framr-4076	466	39	.	.	PUNCT
framr-4076	467	1	in	in	ADP
framr-4076	467	2	a	a	DET
framr-4076	467	3	striking	striking	ADJ
framr-4076	467	4	illustration	illustration	NOUN
framr-4076	467	5	of	of	ADP
framr-4076	467	6	major	major	ADJ
framr-4076	467	7	banks	bank	NOUN
framr-4076	467	8	'	'	PART
framr-4076	467	9	greenwashing	greenwashing	NOUN
framr-4076	467	10	,	,	PUNCT
framr-4076	467	11	compare	compare	VERB
framr-4076	467	12	their	their	PRON
framr-4076	467	13	targets	target	NOUN
framr-4076	467	14	for	for	ADP
framr-4076	467	15	climate	climate	NOUN
framr-4076	467	16	finance	finance	NOUN
framr-4076	467	17	to	to	ADP
framr-4076	467	18	the	the	DET
framr-4076	467	19	overall	overall	ADJ
framr-4076	467	20	amount	amount	NOUN
framr-4076	467	21	of	of	ADP
framr-4076	467	22	money	money	NOUN
framr-4076	467	23	they	they	PRON
framr-4076	467	24	will	will	AUX
framr-4076	467	25	be	be	AUX
framr-4076	467	26	funding	fund	VERB
framr-4076	467	27	fossil	fossil	NOUN
framr-4076	467	28	fuel	fuel	NOUN
framr-4076	467	29	companies	company	NOUN
framr-4076	467	30	between	between	ADP
framr-4076	467	31	2016	2016	NUM
framr-4076	467	32	and	and	CCONJ
framr-4076	467	33	2020	2020	NUM
framr-4076	467	34	.	.	PUNCT
framr-4076	468	1	the	the	DET
framr-4076	468	2	top	top	ADJ
framr-4076	468	3	four	four	NUM
framr-4076	468	4	fossil	fossil	NOUN
framr-4076	468	5	fuel	fuel	NOUN
framr-4076	468	6	financing	financing	NOUN
framr-4076	468	7	banks	bank	NOUN
framr-4076	468	8	in	in	ADP
framr-4076	468	9	the	the	DET
framr-4076	468	10	world	world	NOUN
framr-4076	468	11	,	,	PUNCT
framr-4076	468	12	all	all	DET
framr-4076	468	13	american	american	ADJ
framr-4076	468	14	banks	bank	NOUN
framr-4076	468	15	,	,	PUNCT
framr-4076	468	16	plus	plus	CCONJ
framr-4076	468	17	the	the	DET
framr-4076	468	18	british	british	PROPN
framr-4076	468	19	bank	bank	PROPN
framr-4076	468	20	hong	hong	PROPN
framr-4076	468	21	kong	kong	PROPN
framr-4076	468	22	and	and	CCONJ
framr-4076	468	23	shanghai	shanghai	PROPN
framr-4076	468	24	banking	banking	PROPN
framr-4076	468	25	corporation	corporation	PROPN
framr-4076	468	26	(	(	PUNCT
framr-4076	468	27	hsbc	hsbc	PROPN
framr-4076	468	28	)	)	PUNCT
framr-4076	468	29	,	,	PUNCT
framr-4076	468	30	which	which	PRON
framr-4076	468	31	ranked	rank	VERB
framr-4076	468	32	thirteenth	thirteenth	NOUN
framr-4076	468	33	in	in	ADP
framr-4076	468	34	the	the	DET
framr-4076	468	35	study	study	NOUN
framr-4076	468	36	,	,	PUNCT
framr-4076	468	37	are	be	AUX
framr-4076	468	38	reflected	reflect	VERB
framr-4076	468	39	in	in	ADP
framr-4076	468	40	the	the	DET
framr-4076	468	41	above	above	ADJ
framr-4076	468	42	list	list	NOUN
framr-4076	468	43	of	of	ADP
framr-4076	468	44	the	the	DET
framr-4076	468	45	five	five	NUM
framr-4076	468	46	banks	bank	NOUN
framr-4076	468	47	'	'	PART
framr-4076	468	48	climate	climate	NOUN
framr-4076	468	49	finance	finance	NOUN
framr-4076	468	50	targets	target	NOUN
framr-4076	468	51	as	as	SCONJ
framr-4076	468	52	follows	follow	VERB
framr-4076	468	53	:	:	PUNCT
framr-4076	468	54	$	$	SYM
framr-4076	468	55	316.7	316.7	NUM
framr-4076	468	56	billion	billion	NUM
framr-4076	468	57	is	be	AUX
framr-4076	468	58	held	hold	VERB
framr-4076	468	59	by	by	ADP
framr-4076	468	60	jpmorgan	jpmorgan	PROPN
framr-4076	468	61	chase	chase	PROPN
framr-4076	468	62	,	,	PUNCT
framr-4076	468	63	$	$	SYM
framr-4076	468	64	237.5	237.5	NUM
framr-4076	468	65	billion	billion	NUM
framr-4076	468	66	by	by	ADP
framr-4076	468	67	citigroup	citigroup	NOUN
framr-4076	468	68	,	,	PUNCT
framr-4076	468	69	$	$	SYM
framr-4076	468	70	233.3	233.3	NUM
framr-4076	468	71	billion	billion	NUM
framr-4076	468	72	by	by	ADP
framr-4076	468	73	wells	wells	PROPN
framr-4076	468	74	fargo	fargo	PROPN
framr-4076	468	75	,	,	PUNCT
framr-4076	468	76	$	$	SYM
framr-4076	468	77	198.5	198.5	NUM
framr-4076	468	78	billion	billion	NUM
framr-4076	468	79	by	by	ADP
framr-4076	468	80	bank	bank	PROPN
framr-4076	468	81	of	of	ADP
framr-4076	468	82	america	america	PROPN
framr-4076	468	83	,	,	PUNCT
framr-4076	468	84	and	and	CCONJ
framr-4076	468	85	$	$	SYM
framr-4076	468	86	110.8	110.8	NUM
framr-4076	468	87	billion	billion	NUM
framr-4076	468	88	by	by	ADP
framr-4076	468	89	hsbc	hsbc	PROPN
framr-4076	468	90	(	(	PUNCT
framr-4076	468	91	grove	grove	PROPN
framr-4076	468	92	&	&	CCONJ
framr-4076	468	93	clouse	clouse	PROPN
framr-4076	468	94	,	,	PUNCT
framr-4076	468	95	2021	2021	NUM
framr-4076	468	96	)	)	PUNCT
framr-4076	468	97	.	.	PUNCT
framr-4076	469	1	the	the	DET
framr-4076	469	2	global	global	ADJ
framr-4076	469	3	green	green	PROPN
framr-4076	469	4	bond	bond	NOUN
framr-4076	469	5	indices	index	NOUN
framr-4076	469	6	are	be	AUX
framr-4076	469	7	currently	currently	ADV
framr-4076	469	8	created	create	VERB
framr-4076	469	9	by	by	ADP
framr-4076	469	10	solactive	solactive	NOUN
framr-4076	469	11	,	,	PUNCT
framr-4076	469	12	barclays	barclay	NOUN
framr-4076	469	13	,	,	PUNCT
framr-4076	469	14	morgan	morgan	PROPN
framr-4076	469	15	stanley	stanley	PROPN
framr-4076	469	16	capital	capital	PROPN
framr-4076	469	17	international	international	PROPN
framr-4076	469	18	(	(	PUNCT
framr-4076	469	19	msci	msci	PROPN
framr-4076	469	20	)	)	PUNCT
framr-4076	469	21	,	,	PUNCT
framr-4076	469	22	standard	standard	PROPN
framr-4076	469	23	&	&	CCONJ
framr-4076	469	24	poor	poor	PROPN
framr-4076	469	25	's	's	PART
framr-4076	469	26	,	,	PUNCT
framr-4076	469	27	and	and	CCONJ
framr-4076	469	28	bank	bank	PROPN
framr-4076	469	29	of	of	ADP
framr-4076	469	30	america	america	PROPN
framr-4076	469	31	merrill	merrill	PROPN
framr-4076	469	32	lynch	lynch	PROPN
framr-4076	469	33	.	.	PUNCT
framr-4076	470	1	however	however	ADV
framr-4076	470	2	,	,	PUNCT
framr-4076	470	3	the	the	DET
framr-4076	470	4	european	european	PROPN
framr-4076	470	5	union	union	PROPN
framr-4076	470	6	just	just	ADV
framr-4076	470	7	unveiled	unveil	VERB
framr-4076	470	8	the	the	DET
framr-4076	470	9	eu	eu	PROPN
framr-4076	470	10	taxonomy	taxonomy	NOUN
framr-4076	470	11	,	,	PUNCT
framr-4076	470	12	a	a	DET
framr-4076	470	13	unified	unified	ADJ
framr-4076	470	14	categorisation	categorisation	NOUN
framr-4076	470	15	system	system	NOUN
framr-4076	470	16	for	for	ADP
framr-4076	470	17	economically	economically	ADV
framr-4076	470	18	viable	viable	ADJ
framr-4076	470	19	,	,	PUNCT
framr-4076	470	20	ecologically	ecologically	ADV
framr-4076	470	21	friendly	friendly	ADJ
framr-4076	470	22	activities	activity	NOUN
framr-4076	470	23	.	.	PUNCT
framr-4076	471	1	this	this	PRON
framr-4076	471	2	is	be	AUX
framr-4076	471	3	one	one	NUM
framr-4076	471	4	of	of	ADP
framr-4076	471	5	the	the	DET
framr-4076	471	6	most	most	ADV
framr-4076	471	7	important	important	ADJ
framr-4076	471	8	final	final	ADJ
framr-4076	471	9	phases	phase	NOUN
framr-4076	471	10	since	since	SCONJ
framr-4076	471	11	it	it	PRON
framr-4076	471	12	will	will	AUX
framr-4076	471	13	provide	provide	VERB
framr-4076	471	14	investors	investor	NOUN
framr-4076	471	15	with	with	ADP
framr-4076	471	16	a	a	DET
framr-4076	471	17	sense	sense	NOUN
framr-4076	471	18	of	of	ADP
framr-4076	471	19	security	security	NOUN
framr-4076	471	20	,	,	PUNCT
framr-4076	471	21	stop	stop	VERB
framr-4076	471	22	greenwashing	greenwashing	NOUN
framr-4076	471	23	,	,	PUNCT
framr-4076	471	24	lessen	lessen	VERB
framr-4076	471	25	market	market	NOUN
framr-4076	471	26	fragmentation	fragmentation	NOUN
framr-4076	471	27	,	,	PUNCT
framr-4076	471	28	and	and	CCONJ
framr-4076	471	29	focus	focus	VERB
framr-4076	471	30	investments	investment	NOUN
framr-4076	471	31	where	where	SCONJ
framr-4076	471	32	they	they	PRON
framr-4076	471	33	are	be	AUX
framr-4076	471	34	most	most	ADV
framr-4076	471	35	needed	need	VERB
framr-4076	471	36	(	(	PUNCT
framr-4076	471	37	de	de	X
framr-4076	471	38	lucena	lucena	PROPN
framr-4076	471	39	barreiro	barreiro	PROPN
framr-4076	471	40	,	,	PUNCT
framr-4076	471	41	2023	2023	NUM
framr-4076	471	42	)	)	PUNCT
framr-4076	471	43	.	.	PUNCT
framr-4076	472	1	kenya	kenya	PROPN
framr-4076	472	2	has	have	AUX
framr-4076	472	3	worked	work	VERB
framr-4076	472	4	hard	hard	ADV
framr-4076	472	5	throughout	throughout	ADP
framr-4076	472	6	the	the	DET
framr-4076	472	7	years	year	NOUN
framr-4076	472	8	to	to	PART
framr-4076	472	9	adapt	adapt	VERB
framr-4076	472	10	the	the	DET
framr-4076	472	11	nation	nation	NOUN
framr-4076	472	12	's	's	PART
framr-4076	472	13	plans	plan	NOUN
framr-4076	472	14	,	,	PUNCT
framr-4076	472	15	policies	policy	NOUN
framr-4076	472	16	,	,	PUNCT
framr-4076	472	17	initiatives	initiative	NOUN
framr-4076	472	18	,	,	PUNCT
framr-4076	472	19	strategies	strategy	NOUN
framr-4076	472	20	,	,	PUNCT
framr-4076	472	21	and	and	CCONJ
framr-4076	472	22	programs	program	NOUN
framr-4076	472	23	to	to	PART
framr-4076	472	24	combat	combat	VERB
framr-4076	472	25	climate	climate	NOUN
framr-4076	472	26	change	change	NOUN
framr-4076	472	27	.	.	PUNCT
framr-4076	473	1	kenya	kenya	PROPN
framr-4076	473	2	is	be	AUX
framr-4076	473	3	a	a	DET
framr-4076	473	4	signatory	signatory	NOUN
framr-4076	473	5	to	to	ADP
framr-4076	473	6	the	the	DET
framr-4076	473	7	kyoto	kyoto	PROPN
framr-4076	473	8	protocol	protocol	NOUN
framr-4076	473	9	,	,	PUNCT
framr-4076	473	10	the	the	DET
framr-4076	473	11	paris	paris	PROPN
framr-4076	473	12	agreement	agreement	NOUN
framr-4076	473	13	,	,	PUNCT
framr-4076	473	14	and	and	CCONJ
framr-4076	473	15	the	the	DET
framr-4076	473	16	un	un	PROPN
framr-4076	473	17	framework	framework	PROPN
framr-4076	473	18	convention	convention	PROPN
framr-4076	473	19	on	on	ADP
framr-4076	473	20	climate	climate	NOUN
framr-4076	473	21	change	change	NOUN
framr-4076	473	22	.	.	PUNCT
framr-4076	474	1	kenya	kenya	PROPN
framr-4076	474	2	is	be	AUX
framr-4076	474	3	dedicated	dedicate	VERB
framr-4076	474	4	to	to	ADP
framr-4076	474	5	its	its	PRON
framr-4076	474	6	sustainable	sustainable	ADJ
framr-4076	474	7	environment	environment	NOUN
framr-4076	474	8	program	program	NOUN
framr-4076	474	9	,	,	PUNCT
framr-4076	474	10	even	even	ADV
framr-4076	474	11	if	if	SCONJ
framr-4076	474	12	the	the	DET
framr-4076	474	13	government	government	NOUN
framr-4076	474	14	is	be	AUX
framr-4076	474	15	aware	aware	ADJ
framr-4076	474	16	that	that	SCONJ
framr-4076	474	17	there	there	PRON
framr-4076	474	18	are	be	VERB
framr-4076	474	19	n't	not	PART
framr-4076	474	20	enough	enough	ADJ
framr-4076	474	21	public	public	ADJ
framr-4076	474	22	resources	resource	NOUN
framr-4076	474	23	to	to	PART
framr-4076	474	24	support	support	VERB
framr-4076	474	25	these	these	DET
framr-4076	474	26	eco	eco	NOUN
framr-4076	474	27	-	-	PUNCT
framr-4076	474	28	friendly	friendly	ADJ
framr-4076	474	29	projects	project	NOUN
framr-4076	474	30	.	.	PUNCT
framr-4076	475	1	banking	banking	NOUN
framr-4076	475	2	organisations	organisation	NOUN
framr-4076	475	3	have	have	AUX
framr-4076	475	4	been	be	AUX
framr-4076	475	5	pushed	push	VERB
framr-4076	475	6	by	by	ADP
framr-4076	475	7	the	the	DET
framr-4076	475	8	kenya	kenya	PROPN
framr-4076	475	9	bankers	bankers	PROPN
framr-4076	475	10	association	association	PROPN
framr-4076	475	11	,	,	PUNCT
framr-4076	475	12	a	a	DET
framr-4076	475	13	governing	govern	VERB
framr-4076	475	14	body	body	NOUN
framr-4076	475	15	for	for	ADP
framr-4076	475	16	kenya	kenya	PROPN
framr-4076	475	17	's	's	PART
framr-4076	475	18	commercial	commercial	ADJ
framr-4076	475	19	banks	bank	NOUN
framr-4076	475	20	,	,	PUNCT
framr-4076	475	21	to	to	PART
framr-4076	475	22	encourage	encourage	VERB
framr-4076	475	23	green	green	ADJ
framr-4076	475	24	investments	investment	NOUN
framr-4076	475	25	in	in	ADP
framr-4076	475	26	collaboration	collaboration	NOUN
framr-4076	475	27	with	with	ADP
framr-4076	475	28	other	other	ADJ
framr-4076	475	29	organisations	organisation	NOUN
framr-4076	475	30	(	(	PUNCT
framr-4076	475	31	wabwile	wabwile	ADJ
framr-4076	475	32	,	,	PUNCT
framr-4076	475	33	2023	2023	NUM
framr-4076	475	34	)	)	PUNCT
framr-4076	475	35	.	.	PUNCT
framr-4076	476	1	5.2	5.2	NUM
framr-4076	476	2	.	.	PUNCT
framr-4076	477	1	blockchain	blockchain	PROPN
framr-4076	477	2	and	and	CCONJ
framr-4076	477	3	green	green	ADJ
framr-4076	477	4	claims	claim	NOUN
framr-4076	477	5	varavallo	varavallo	PROPN
framr-4076	477	6	,	,	PUNCT
framr-4076	477	7	caragnano	caragnano	PROPN
framr-4076	477	8	,	,	PUNCT
framr-4076	477	9	bertone	bertone	NOUN
framr-4076	477	10	,	,	PUNCT
framr-4076	477	11	vernetti	vernetti	NOUN
framr-4076	477	12	-	-	PUNCT
framr-4076	477	13	prot	prot	NOUN
framr-4076	477	14	,	,	PUNCT
framr-4076	477	15	and	and	CCONJ
framr-4076	477	16	terzo	terzo	NOUN
framr-4076	477	17	(	(	PUNCT
framr-4076	477	18	2022	2022	NUM
framr-4076	477	19	)	)	PUNCT
framr-4076	477	20	offer	offer	VERB
framr-4076	477	21	a	a	DET
framr-4076	477	22	green	green	PROPN
framr-4076	477	23	blockchain	blockchain	PROPN
framr-4076	477	24	-	-	PUNCT
framr-4076	477	25	based	base	VERB
framr-4076	477	26	traceability	traceability	NOUN
framr-4076	477	27	technology	technology	NOUN
framr-4076	477	28	that	that	PRON
framr-4076	477	29	uses	use	VERB
framr-4076	477	30	less	less	ADJ
framr-4076	477	31	energy	energy	NOUN
framr-4076	477	32	and	and	CCONJ
framr-4076	477	33	saves	save	VERB
framr-4076	477	34	money	money	NOUN
framr-4076	477	35	when	when	SCONJ
framr-4076	477	36	used	use	VERB
framr-4076	477	37	in	in	ADP
framr-4076	477	38	the	the	DET
framr-4076	477	39	fontina	fontina	NOUN
framr-4076	477	40	protected	protect	VERB
framr-4076	477	41	designation	designation	NOUN
framr-4076	477	42	of	of	ADP
framr-4076	477	43	origin	origin	NOUN
framr-4076	477	44	(	(	PUNCT
framr-4076	477	45	pdo	pdo	PROPN
framr-4076	477	46	)	)	PUNCT
framr-4076	477	47	cheese	cheese	NOUN
framr-4076	477	48	supply	supply	NOUN
framr-4076	477	49	chain	chain	NOUN
framr-4076	477	50	.	.	PUNCT
framr-4076	478	1	this	this	DET
framr-4076	478	2	platform	platform	NOUN
framr-4076	478	3	is	be	AUX
framr-4076	478	4	a	a	DET
framr-4076	478	5	part	part	NOUN
framr-4076	478	6	of	of	ADP
framr-4076	478	7	the	the	DET
framr-4076	478	8	eu	eu	PROPN
framr-4076	478	9	-	-	ADJ
framr-4076	478	10	funded	fund	VERB
framr-4076	478	11	"	"	PUNCT
framr-4076	478	12	typicalp	typicalp	ADJ
framr-4076	478	13	"	"	PUNCT
framr-4076	478	14	project	project	NOUN
framr-4076	478	15	.	.	PUNCT
framr-4076	479	1	the	the	DET
framr-4076	479	2	suggested	suggest	VERB
framr-4076	479	3	traceability	traceability	NOUN
framr-4076	479	4	solution	solution	NOUN
framr-4076	479	5	is	be	AUX
framr-4076	479	6	built	build	VERB
framr-4076	479	7	on	on	ADP
framr-4076	479	8	top	top	NOUN
framr-4076	479	9	of	of	ADP
framr-4076	479	10	the	the	DET
framr-4076	479	11	algorand	algorand	PROPN
framr-4076	479	12	blockchain	blockchain	PROPN
framr-4076	479	13	,	,	PUNCT
framr-4076	479	14	a	a	DET
framr-4076	479	15	highly	highly	ADV
framr-4076	479	16	scalable	scalable	ADJ
framr-4076	479	17	and	and	CCONJ
framr-4076	479	18	ecologically	ecologically	ADV
framr-4076	479	19	friendly	friendly	ADJ
framr-4076	479	20	consensus	consensus	NOUN
framr-4076	479	21	mechanism	mechanism	NOUN
framr-4076	479	22	that	that	PRON
framr-4076	479	23	leverages	leverage	VERB
framr-4076	479	24	pure	pure	ADJ
framr-4076	479	25	proof	proof	NOUN
framr-4076	479	26	-	-	PUNCT
framr-4076	479	27	of	of	ADP
framr-4076	479	28	-	-	PUNCT
framr-4076	479	29	stake	stake	NOUN
framr-4076	479	30	.	.	PUNCT
framr-4076	480	1	along	along	ADP
framr-4076	480	2	with	with	ADP
framr-4076	480	3	the	the	DET
framr-4076	480	4	economic	economic	ADJ
framr-4076	480	5	and	and	CCONJ
framr-4076	480	6	environmental	environmental	ADJ
framr-4076	480	7	advantages	advantage	NOUN
framr-4076	480	8	,	,	PUNCT
framr-4076	480	9	the	the	DET
framr-4076	480	10	traceability	traceability	NOUN
framr-4076	480	11	platform	platform	NOUN
framr-4076	480	12	that	that	PRON
framr-4076	480	13	was	be	AUX
framr-4076	480	14	established	establish	VERB
framr-4076	480	15	has	have	AUX
framr-4076	480	16	allowed	allow	VERB
framr-4076	480	17	for	for	ADP
framr-4076	480	18	the	the	DET
framr-4076	480	19	digitization	digitization	NOUN
framr-4076	480	20	of	of	ADP
framr-4076	480	21	the	the	DET
framr-4076	480	22	whole	whole	ADJ
framr-4076	480	23	production	production	NOUN
framr-4076	480	24	chain	chain	NOUN
framr-4076	480	25	.	.	PUNCT
framr-4076	481	1	this	this	PRON
framr-4076	481	2	has	have	AUX
framr-4076	481	3	resulted	result	VERB
framr-4076	481	4	in	in	ADP
framr-4076	481	5	data	datum	NOUN
framr-4076	481	6	that	that	PRON
framr-4076	481	7	is	be	AUX
framr-4076	481	8	both	both	CCONJ
framr-4076	481	9	immutable	immutable	ADJ
framr-4076	481	10	and	and	CCONJ
framr-4076	481	11	readily	readily	ADV
framr-4076	481	12	available	available	ADJ
framr-4076	481	13	in	in	ADP
framr-4076	481	14	real	real	ADJ
framr-4076	481	15	-	-	PUNCT
framr-4076	481	16	time	time	NOUN
framr-4076	481	17	to	to	ADP
framr-4076	481	18	operators	operator	NOUN
framr-4076	481	19	of	of	ADP
framr-4076	481	20	the	the	DET
framr-4076	481	21	fontina	fontina	NOUN
framr-4076	481	22	consortium	consortium	NOUN
framr-4076	481	23	and	and	CCONJ
framr-4076	481	24	ultimate	ultimate	ADJ
framr-4076	481	25	consumers	consumer	NOUN
framr-4076	481	26	.	.	PUNCT
framr-4076	482	1	mercuri	mercuri	PROPN
framr-4076	482	2	,	,	PUNCT
framr-4076	482	3	della	della	NOUN
framr-4076	482	4	corte	corte	PROPN
framr-4076	482	5	,	,	PUNCT
framr-4076	482	6	and	and	CCONJ
framr-4076	482	7	ricci	ricci	PROPN
framr-4076	482	8	(	(	PUNCT
framr-4076	482	9	2021	2021	NUM
framr-4076	482	10	)	)	PUNCT
framr-4076	482	11	carried	carry	VERB
framr-4076	482	12	out	out	ADP
framr-4076	482	13	research	research	NOUN
framr-4076	482	14	using	use	VERB
framr-4076	482	15	the	the	DET
framr-4076	482	16	caos	caos	X
framr-4076	482	17	(	(	PUNCT
framr-4076	482	18	"	"	PUNCT
framr-4076	482	19	characteristic	characteristic	ADJ
framr-4076	482	20	,	,	PUNCT
framr-4076	482	21	ambience	ambience	NOUN
framr-4076	482	22	,	,	PUNCT
framr-4076	482	23	organization	organization	NOUN
framr-4076	482	24	,	,	PUNCT
framr-4076	482	25	start	start	NOUN
framr-4076	482	26	-	-	PUNCT
framr-4076	482	27	up	up	NOUN
framr-4076	482	28	"	"	PUNCT
framr-4076	482	29	)	)	PUNCT
framr-4076	482	30	model	model	NOUN
framr-4076	482	31	on	on	ADP
framr-4076	482	32	a	a	DET
framr-4076	482	33	start	start	VERB
framr-4076	482	34	-	-	PUNCT
framr-4076	482	35	up	up	NOUN
framr-4076	482	36	named	name	VERB
framr-4076	482	37	devoleum	devoleum	NOUN
framr-4076	482	38	that	that	PRON
framr-4076	482	39	operates	operate	VERB
framr-4076	482	40	in	in	ADP
framr-4076	482	41	the	the	DET
framr-4076	482	42	agri	agri	NOUN
framr-4076	482	43	-	-	PUNCT
framr-4076	482	44	food	food	NOUN
framr-4076	482	45	industry	industry	NOUN
framr-4076	482	46	but	but	CCONJ
framr-4076	482	47	has	have	AUX
framr-4076	482	48	not	not	PART
framr-4076	482	49	yet	yet	ADV
framr-4076	482	50	been	be	AUX
framr-4076	482	51	institutionalized	institutionalize	VERB
framr-4076	482	52	.	.	PUNCT
framr-4076	483	1	the	the	DET
framr-4076	483	2	findings	finding	NOUN
framr-4076	483	3	show	show	VERB
framr-4076	483	4	that	that	SCONJ
framr-4076	483	5	the	the	DET
framr-4076	483	6	application	application	NOUN
framr-4076	483	7	of	of	ADP
framr-4076	483	8	blockchain	blockchain	PROPN
framr-4076	483	9	can	can	AUX
framr-4076	483	10	improve	improve	VERB
framr-4076	483	11	sustainability	sustainability	NOUN
framr-4076	483	12	by	by	ADP
framr-4076	483	13	enabling	enable	VERB
framr-4076	483	14	information	information	NOUN
framr-4076	483	15	traceability	traceability	NOUN
framr-4076	483	16	,	,	PUNCT
framr-4076	483	17	protection	protection	NOUN
framr-4076	483	18	,	,	PUNCT
framr-4076	483	19	and	and	CCONJ
framr-4076	483	20	non	non	ADJ
framr-4076	483	21	-	-	ADJ
framr-4076	483	22	manipulability	manipulability	ADJ
framr-4076	483	23	—	—	PUNCT
framr-4076	483	24	features	feature	NOUN
framr-4076	483	25	that	that	PRON
framr-4076	483	26	are	be	AUX
framr-4076	483	27	very	very	ADV
framr-4076	483	28	helpful	helpful	ADJ
framr-4076	483	29	in	in	ADP
framr-4076	483	30	the	the	DET
framr-4076	483	31	agrifood	agrifood	NOUN
framr-4076	483	32	industry	industry	NOUN
framr-4076	483	33	.	.	PUNCT
framr-4076	484	1	additionally	additionally	ADV
framr-4076	484	2	,	,	PUNCT
framr-4076	484	3	the	the	DET
framr-4076	484	4	lack	lack	NOUN
framr-4076	484	5	of	of	ADP
framr-4076	484	6	middlemen	middleman	NOUN
framr-4076	484	7	in	in	ADP
framr-4076	484	8	blockchain	blockchain	PROPN
framr-4076	484	9	technology	technology	PROPN
framr-4076	484	10	lowers	lower	VERB
framr-4076	484	11	transaction	transaction	NOUN
framr-4076	484	12	costs	cost	NOUN
framr-4076	484	13	and	and	CCONJ
framr-4076	484	14	shortens	shorten	VERB
framr-4076	484	15	the	the	DET
framr-4076	484	16	time	time	NOUN
framr-4076	484	17	needed	need	VERB
framr-4076	484	18	to	to	PART
framr-4076	484	19	stabilize	stabilize	VERB
framr-4076	484	20	relationships	relationship	NOUN
framr-4076	484	21	between	between	ADP
framr-4076	484	22	the	the	DET
framr-4076	484	23	business	business	NOUN
framr-4076	484	24	and	and	CCONJ
framr-4076	484	25	the	the	DET
framr-4076	484	26	environment	environment	NOUN
framr-4076	484	27	.	.	PUNCT
framr-4076	485	1	alzoubi	alzoubi	PROPN
framr-4076	485	2	and	and	CCONJ
framr-4076	485	3	mishra	mishra	PROPN
framr-4076	485	4	(	(	PUNCT
framr-4076	485	5	2023	2023	NUM
framr-4076	485	6	)	)	PUNCT
framr-4076	485	7	found	find	VERB
framr-4076	485	8	and	and	CCONJ
framr-4076	485	9	spoke	speak	VERB
framr-4076	485	10	about	about	ADP
framr-4076	485	11	23	23	NUM
framr-4076	485	12	bc	bc	PROPN
framr-4076	485	13	platforms	platform	NOUN
framr-4076	485	14	that	that	PRON
framr-4076	485	15	make	make	VERB
framr-4076	485	16	green	green	ADJ
framr-4076	485	17	or	or	CCONJ
framr-4076	485	18	environmental	environmental	ADJ
framr-4076	485	19	claims	claim	NOUN
framr-4076	485	20	.	.	PUNCT
framr-4076	486	1	the	the	DET
framr-4076	486	2	renewable	renewable	ADJ
framr-4076	486	3	energy	energy	NOUN
framr-4076	486	4	certificate	certificate	NOUN
framr-4076	486	5	mechanism	mechanism	NOUN
framr-4076	486	6	,	,	PUNCT
framr-4076	486	7	bfcf	bfcf	NOUN
framr-4076	486	8	,	,	PUNCT
framr-4076	486	9	the	the	DET
framr-4076	486	10	green	green	ADJ
framr-4076	486	11	digital	digital	PROPN
framr-4076	486	12	finance	finance	NOUN
framr-4076	486	13	alliance	alliance	NOUN
framr-4076	486	14	,	,	PUNCT
framr-4076	486	15	the	the	DET
framr-4076	486	16	crypto	crypto	NOUN
framr-4076	486	17	climate	climate	NOUN
framr-4076	486	18	accord	accord	NOUN
framr-4076	486	19	,	,	PUNCT
framr-4076	486	20	the	the	DET
framr-4076	486	21	clean	clean	ADJ
framr-4076	486	22	energy	energy	NOUN
framr-4076	486	23	buyers	buyer	NOUN
framr-4076	486	24	association	association	PROPN
framr-4076	486	25	,	,	PUNCT
framr-4076	486	26	regal	regal	PROPN
framr-4076	486	27	38183	38183	NUM
framr-4076	486	28	,	,	PUNCT
framr-4076	486	29	treelion	treelion	NOUN
framr-4076	486	30	,	,	PUNCT
framr-4076	486	31	chimpzee	chimpzee	ADJ
framr-4076	486	32	,	,	PUNCT
framr-4076	486	33	green	green	PROPN
framr-4076	486	34	technology	technology	PROPN
framr-4076	486	35	asia	asia	PROPN
framr-4076	486	36	,	,	PUNCT
framr-4076	486	37	tomorrow	tomorrow	NOUN
framr-4076	486	38	,	,	PUNCT
framr-4076	486	39	greentrust	greentrust	PROPN
framr-4076	486	40	,	,	PUNCT
framr-4076	486	41	ecoterra	ecoterra	PROPN
framr-4076	486	42	,	,	PUNCT
framr-4076	486	43	the	the	DET
framr-4076	486	44	bc	bc	PROPN
framr-4076	486	45	climate	climate	PROPN
framr-4076	486	46	institute	institute	PROPN
framr-4076	486	47	,	,	PUNCT
framr-4076	486	48	the	the	DET
framr-4076	486	49	global	global	PROPN
framr-4076	486	50	bc	bc	PROPN
framr-4076	486	51	business	business	PROPN
framr-4076	486	52	council	council	PROPN
framr-4076	486	53	sustainability	sustainability	NOUN
framr-4076	486	54	working	working	NOUN
framr-4076	486	55	group	group	NOUN
framr-4076	486	56	,	,	PUNCT
framr-4076	486	57	and	and	CCONJ
framr-4076	486	58	the	the	DET
framr-4076	486	59	energy	energy	NOUN
framr-4076	486	60	web	web	NOUN
framr-4076	486	61	foundation	foundation	NOUN
framr-4076	486	62	are	be	AUX
framr-4076	486	63	some	some	PRON
framr-4076	486	64	of	of	ADP
framr-4076	486	65	the	the	DET
framr-4076	486	66	initiatives	initiative	NOUN
framr-4076	486	67	that	that	PRON
framr-4076	486	68	are	be	AUX
framr-4076	486	69	part	part	NOUN
framr-4076	486	70	of	of	ADP
framr-4076	486	71	this	this	DET
framr-4076	486	72	series	series	NOUN
framr-4076	486	73	.	.	PUNCT
framr-4076	487	1	solarcoin	solarcoin	PROPN
framr-4076	487	2	,	,	PUNCT
framr-4076	487	3	the	the	DET
framr-4076	487	4	renewable	renewable	ADJ
framr-4076	487	5	energy	energy	NOUN
framr-4076	487	6	certificate	certificate	NOUN
framr-4076	487	7	mechanism	mechanism	NOUN
framr-4076	487	8	,	,	PUNCT
framr-4076	487	9	bfcf	bfcf	NOUN
framr-4076	487	10	,	,	PUNCT
framr-4076	487	11	the	the	DET
framr-4076	487	12	green	green	ADJ
framr-4076	487	13	digital	digital	PROPN
framr-4076	487	14	finance	finance	NOUN
framr-4076	487	15	alliance	alliance	NOUN
framr-4076	487	16	,	,	PUNCT
framr-4076	487	17	the	the	DET
framr-4076	487	18	crypto	crypto	NOUN
framr-4076	487	19	climate	climate	NOUN
framr-4076	487	20	accord	accord	NOUN
framr-4076	487	21	,	,	PUNCT
framr-4076	487	22	the	the	DET
framr-4076	487	23	clean	clean	ADJ
framr-4076	487	24	energy	energy	NOUN
framr-4076	487	25	buyers	buyer	NOUN
framr-4076	487	26	association	association	PROPN
framr-4076	487	27	,	,	PUNCT
framr-4076	487	28	regal	regal	PROPN
framr-4076	487	29	38183	38183	NUM
framr-4076	487	30	,	,	PUNCT
framr-4076	487	31	treelion	treelion	NOUN
framr-4076	487	32	,	,	PUNCT
framr-4076	487	33	efforce	efforce	NOUN
framr-4076	487	34	,	,	PUNCT
framr-4076	487	35	chimpzee	chimpzee	ADJ
framr-4076	487	36	,	,	PUNCT
framr-4076	487	37	earth	earth	NOUN
framr-4076	487	38	day	day	NOUN
framr-4076	487	39	,	,	PUNCT
framr-4076	487	40	greentrust	greentrust	NOUN
framr-4076	487	41	,	,	PUNCT
framr-4076	487	42	ecoterra	ecoterra	PROPN
framr-4076	487	43	,	,	PUNCT
framr-4076	487	44	the	the	DET
framr-4076	487	45	bc	bc	PROPN
framr-4076	487	46	climate	climate	PROPN
framr-4076	487	47	institute	institute	PROPN
framr-4076	487	48	,	,	PUNCT
framr-4076	487	49	the	the	DET
framr-4076	487	50	global	global	PROPN
framr-4076	487	51	bc	bc	PROPN
framr-4076	487	52	business	business	PROPN
framr-4076	487	53	council	council	PROPN
framr-4076	487	54	sustainability	sustainability	NOUN
framr-4076	487	55	committee	committee	NOUN
framr-4076	487	56	,	,	PUNCT
framr-4076	487	57	and	and	CCONJ
framr-4076	487	58	the	the	DET
framr-4076	487	59	energy	energy	NOUN
framr-4076	487	60	the	the	DET
framr-4076	487	61	world	world	NOUN
framr-4076	487	62	wide	wide	ADJ
framr-4076	487	63	web	web	NOUN
framr-4076	487	64	foundation	foundation	NOUN
framr-4076	487	65	are	be	AUX
framr-4076	487	66	a	a	DET
framr-4076	487	67	few	few	ADJ
framr-4076	487	68	of	of	ADP
framr-4076	487	69	these	these	DET
framr-4076	487	70	initiatives	initiative	NOUN
framr-4076	487	71	.	.	PUNCT
framr-4076	488	1	maersk	maersk	ADJ
framr-4076	488	2	line	line	NOUN
framr-4076	488	3	,	,	PUNCT
framr-4076	488	4	a	a	DET
framr-4076	488	5	logistics	logistic	NOUN
framr-4076	488	6	firm	firm	NOUN
framr-4076	488	7	,	,	PUNCT
framr-4076	488	8	and	and	CCONJ
framr-4076	488	9	international	international	ADJ
framr-4076	488	10	business	business	NOUN
framr-4076	488	11	machines	machine	NOUN
framr-4076	488	12	(	(	PUNCT
framr-4076	488	13	ibm	ibm	PROPN
framr-4076	488	14	)	)	PUNCT
framr-4076	488	15	corporation	corporation	NOUN
framr-4076	488	16	,	,	PUNCT
framr-4076	488	17	a	a	DET
framr-4076	488	18	global	global	ADJ
framr-4076	488	19	information	information	NOUN
framr-4076	488	20	technology	technology	NOUN
framr-4076	488	21	corporation	corporation	NOUN
framr-4076	488	22	,	,	PUNCT
framr-4076	488	23	collaborated	collaborate	VERB
framr-4076	488	24	to	to	PART
framr-4076	488	25	build	build	VERB
framr-4076	488	26	tradelens	tradelen	NOUN
framr-4076	488	27	,	,	PUNCT
framr-4076	488	28	a	a	DET
framr-4076	488	29	platform	platform	NOUN
framr-4076	488	30	based	base	VERB
framr-4076	488	31	on	on	ADP
framr-4076	488	32	the	the	DET
framr-4076	488	33	blockchain	blockchain	PROPN
framr-4076	488	34	ecosystem	ecosystem	PROPN
framr-4076	488	35	.	.	PUNCT
framr-4076	489	1	to	to	PART
framr-4076	489	2	create	create	VERB
framr-4076	489	3	an	an	DET
framr-4076	489	4	ecosystem	ecosystem	NOUN
framr-4076	489	5	that	that	PRON
framr-4076	489	6	is	be	AUX
framr-4076	489	7	connected	connect	VERB
framr-4076	489	8	from	from	ADP
framr-4076	489	9	beginning	begin	VERB
framr-4076	489	10	to	to	ADP
framr-4076	489	11	finish	finish	VERB
framr-4076	489	12	and	and	CCONJ
framr-4076	489	13	includes	include	VERB
framr-4076	489	14	all	all	DET
framr-4076	489	15	financial	financial	ADJ
framr-4076	489	16	risk	risk	NOUN
framr-4076	489	17	and	and	CCONJ
framr-4076	489	18	management	management	NOUN
framr-4076	489	19	reviews	review	NOUN
framr-4076	489	20	,	,	PUNCT
framr-4076	489	21	2025	2025	NUM
framr-4076	489	22	,	,	PUNCT
framr-4076	489	23	11(1	11(1	NUM
framr-4076	489	24	):	):	PUNCT
framr-4076	489	25	37	37	NUM
framr-4076	489	26	-	-	SYM
framr-4076	489	27	71	71	NUM
framr-4076	489	28	55	55	NUM
framr-4076	489	29	©	©	PROPN
framr-4076	489	30	2025	2025	NUM
framr-4076	489	31	conscientia	conscientia	PROPN
framr-4076	489	32	beam	beam	PROPN
framr-4076	489	33	.	.	PUNCT
framr-4076	490	1	all	all	DET
framr-4076	490	2	rights	right	NOUN
framr-4076	490	3	reserved	reserve	VERB
framr-4076	490	4	.	.	PUNCT
framr-4076	491	1	participants	participant	NOUN
framr-4076	491	2	in	in	ADP
framr-4076	491	3	the	the	DET
framr-4076	491	4	global	global	ADJ
framr-4076	491	5	supply	supply	NOUN
framr-4076	491	6	chain	chain	NOUN
framr-4076	491	7	,	,	PUNCT
framr-4076	491	8	including	include	VERB
framr-4076	491	9	shippers	shipper	NOUN
framr-4076	491	10	,	,	PUNCT
framr-4076	491	11	cargo	cargo	NOUN
framr-4076	491	12	owners	owner	NOUN
framr-4076	491	13	,	,	PUNCT
framr-4076	491	14	airports	airport	NOUN
framr-4076	491	15	,	,	PUNCT
framr-4076	491	16	and	and	CCONJ
framr-4076	491	17	carriers	carrier	NOUN
framr-4076	491	18	,	,	PUNCT
framr-4076	491	19	tradelens	tradelen	NOUN
framr-4076	491	20	is	be	AUX
framr-4076	491	21	a	a	DET
framr-4076	491	22	leading	lead	VERB
framr-4076	491	23	blockchain	blockchain	NOUN
framr-4076	491	24	-	-	PUNCT
framr-4076	491	25	based	base	VERB
framr-4076	491	26	platform	platform	NOUN
framr-4076	491	27	ecosystem	ecosystem	NOUN
framr-4076	491	28	in	in	ADP
framr-4076	491	29	the	the	DET
framr-4076	491	30	shipping	shipping	NOUN
framr-4076	491	31	sector	sector	NOUN
framr-4076	491	32	(	(	PUNCT
framr-4076	491	33	jovanovic	jovanovic	PROPN
framr-4076	491	34	,	,	PUNCT
framr-4076	491	35	kostić	kostić	PROPN
framr-4076	491	36	,	,	PUNCT
framr-4076	491	37	sebastian	sebastian	PROPN
framr-4076	491	38	,	,	PUNCT
framr-4076	491	39	&	&	CCONJ
framr-4076	491	40	sedej	sedej	VERB
framr-4076	491	41	,	,	PUNCT
framr-4076	491	42	2022	2022	NUM
framr-4076	491	43	)	)	PUNCT
framr-4076	491	44	.	.	PUNCT
framr-4076	492	1	5.3	5.3	NUM
framr-4076	492	2	.	.	X
framr-4076	492	3	insurtech	insurtech	PROPN
framr-4076	492	4	and	and	CCONJ
framr-4076	492	5	environmental	environmental	ADJ
framr-4076	492	6	promises	promise	NOUN
framr-4076	492	7	insurtech	insurtech	PROPN
framr-4076	492	8	refers	refer	VERB
framr-4076	492	9	to	to	ADP
framr-4076	492	10	businesses	business	NOUN
framr-4076	492	11	that	that	PRON
framr-4076	492	12	use	use	VERB
framr-4076	492	13	technology	technology	NOUN
framr-4076	492	14	innovation	innovation	NOUN
framr-4076	492	15	to	to	PART
framr-4076	492	16	provide	provide	VERB
framr-4076	492	17	insurance	insurance	NOUN
framr-4076	492	18	services	service	NOUN
framr-4076	492	19	.	.	PUNCT
framr-4076	493	1	they	they	PRON
framr-4076	493	2	can	can	AUX
framr-4076	493	3	provide	provide	VERB
framr-4076	493	4	a	a	DET
framr-4076	493	5	wide	wide	ADJ
framr-4076	493	6	range	range	NOUN
framr-4076	493	7	of	of	ADP
framr-4076	493	8	insurance	insurance	NOUN
framr-4076	493	9	products	product	NOUN
framr-4076	493	10	,	,	PUNCT
framr-4076	493	11	including	include	VERB
framr-4076	493	12	life	life	NOUN
framr-4076	493	13	,	,	PUNCT
framr-4076	493	14	health	health	NOUN
framr-4076	493	15	,	,	PUNCT
framr-4076	493	16	rent	rent	NOUN
framr-4076	493	17	,	,	PUNCT
framr-4076	493	18	and	and	CCONJ
framr-4076	493	19	housing	housing	NOUN
framr-4076	493	20	insurance	insurance	NOUN
framr-4076	493	21	.	.	PUNCT
framr-4076	494	1	fintech	fintech	NOUN
framr-4076	494	2	businesses	business	NOUN
framr-4076	494	3	in	in	ADP
framr-4076	494	4	the	the	DET
framr-4076	494	5	insurance	insurance	NOUN
framr-4076	494	6	industry	industry	NOUN
framr-4076	494	7	employ	employ	VERB
framr-4076	494	8	data	data	NOUN
framr-4076	494	9	analytics	analytic	NOUN
framr-4076	494	10	to	to	PART
framr-4076	494	11	strive	strive	VERB
framr-4076	494	12	for	for	ADP
framr-4076	494	13	a	a	DET
framr-4076	494	14	more	more	ADV
framr-4076	494	15	direct	direct	ADJ
framr-4076	494	16	interaction	interaction	NOUN
framr-4076	494	17	between	between	ADP
framr-4076	494	18	the	the	DET
framr-4076	494	19	insurer	insurer	NOUN
framr-4076	494	20	and	and	CCONJ
framr-4076	494	21	the	the	DET
framr-4076	494	22	consumer	consumer	NOUN
framr-4076	494	23	(	(	PUNCT
framr-4076	494	24	puschmann	puschmann	PROPN
framr-4076	494	25	,	,	PUNCT
framr-4076	494	26	hoffmann	hoffmann	PROPN
framr-4076	494	27	,	,	PUNCT
framr-4076	494	28	&	&	CCONJ
framr-4076	494	29	khmarskyi	khmarskyi	PROPN
framr-4076	494	30	,	,	PUNCT
framr-4076	494	31	2020	2020	NUM
framr-4076	494	32	)	)	PUNCT
framr-4076	494	33	.	.	PUNCT
framr-4076	495	1	yolo	yolo	PROPN
framr-4076	495	2	,	,	PUNCT
framr-4076	495	3	which	which	PRON
framr-4076	495	4	stands	stand	VERB
framr-4076	495	5	for	for	ADP
framr-4076	495	6	you	you	PRON
framr-4076	495	7	only	only	ADV
framr-4076	495	8	live	live	VERB
framr-4076	495	9	once	once	ADV
framr-4076	495	10	,	,	PUNCT
framr-4076	495	11	was	be	AUX
framr-4076	495	12	established	establish	VERB
framr-4076	495	13	in	in	ADP
framr-4076	495	14	late	late	ADJ
framr-4076	495	15	2017	2017	NUM
framr-4076	495	16	and	and	CCONJ
framr-4076	495	17	is	be	AUX
framr-4076	495	18	the	the	DET
framr-4076	495	19	first	first	ADJ
framr-4076	495	20	italian	italian	ADJ
framr-4076	495	21	insurtech	insurtech	NOUN
framr-4076	495	22	company	company	NOUN
framr-4076	495	23	with	with	ADP
framr-4076	495	24	an	an	DET
framr-4076	495	25	international	international	ADJ
framr-4076	495	26	reach	reach	NOUN
framr-4076	495	27	that	that	PRON
framr-4076	495	28	specialises	specialise	VERB
framr-4076	495	29	in	in	ADP
framr-4076	495	30	digital	digital	ADJ
framr-4076	495	31	insurance	insurance	NOUN
framr-4076	495	32	broking	broking	NOUN
framr-4076	495	33	services	service	NOUN
framr-4076	495	34	.	.	PUNCT
framr-4076	496	1	it	it	PRON
framr-4076	496	2	facilitates	facilitate	VERB
framr-4076	496	3	pay	pay	VERB
framr-4076	496	4	-	-	PUNCT
framr-4076	496	5	per	per	ADP
framr-4076	496	6	-	-	PUNCT
framr-4076	496	7	use	use	NOUN
framr-4076	496	8	and	and	CCONJ
framr-4076	496	9	on	on	ADP
framr-4076	496	10	-	-	PUNCT
framr-4076	496	11	demand	demand	NOUN
framr-4076	496	12	underwriting	underwriting	NOUN
framr-4076	496	13	of	of	ADP
framr-4076	496	14	products	product	NOUN
framr-4076	496	15	from	from	ADP
framr-4076	496	16	large	large	ADJ
framr-4076	496	17	insurance	insurance	NOUN
framr-4076	496	18	companies	company	NOUN
framr-4076	496	19	and	and	CCONJ
framr-4076	496	20	serves	serve	VERB
framr-4076	496	21	as	as	ADP
framr-4076	496	22	a	a	DET
framr-4076	496	23	technology	technology	NOUN
framr-4076	496	24	facilitator	facilitator	NOUN
framr-4076	496	25	for	for	ADP
framr-4076	496	26	other	other	ADJ
framr-4076	496	27	parties	party	NOUN
framr-4076	496	28	interested	interested	ADJ
framr-4076	496	29	in	in	ADP
framr-4076	496	30	selling	sell	VERB
framr-4076	496	31	digital	digital	ADJ
framr-4076	496	32	insurance	insurance	NOUN
framr-4076	496	33	solutions	solution	NOUN
framr-4076	496	34	because	because	SCONJ
framr-4076	496	35	of	of	ADP
framr-4076	496	36	its	its	PRON
framr-4076	496	37	unique	unique	ADJ
framr-4076	496	38	platform	platform	NOUN
framr-4076	496	39	(	(	PUNCT
framr-4076	496	40	puschmann	puschmann	PROPN
framr-4076	496	41	et	et	PROPN
framr-4076	496	42	al	al	PROPN
framr-4076	496	43	.	.	PROPN
framr-4076	496	44	,	,	PUNCT
framr-4076	496	45	2020	2020	NUM
framr-4076	496	46	)	)	PUNCT
framr-4076	496	47	.	.	PUNCT
framr-4076	497	1	there	there	PRON
framr-4076	497	2	are	be	VERB
framr-4076	497	3	only	only	ADV
framr-4076	497	4	two	two	NUM
framr-4076	497	5	insurtech	insurtech	NOUN
framr-4076	497	6	businesses	business	NOUN
framr-4076	497	7	out	out	ADP
framr-4076	497	8	of	of	ADP
framr-4076	497	9	the	the	DET
framr-4076	497	10	twenty	twenty	NUM
framr-4076	497	11	-	-	PUNCT
framr-4076	497	12	two	two	NUM
framr-4076	497	13	that	that	PRON
framr-4076	497	14	were	be	AUX
framr-4076	497	15	found	find	VERB
framr-4076	497	16	to	to	PART
framr-4076	497	17	be	be	AUX
framr-4076	497	18	fintechs	fintech	NOUN
framr-4076	497	19	after	after	SCONJ
framr-4076	497	20	a	a	DET
framr-4076	497	21	thorough	thorough	ADJ
framr-4076	497	22	examination	examination	NOUN
framr-4076	497	23	of	of	ADP
framr-4076	497	24	the	the	DET
framr-4076	497	25	startups	startup	NOUN
framr-4076	497	26	using	use	VERB
framr-4076	497	27	the	the	DET
framr-4076	497	28	five	five	NUM
framr-4076	497	29	criteria	criterion	NOUN
framr-4076	497	30	—	—	PUNCT
framr-4076	497	31	provider	provider	NOUN
framr-4076	497	32	type	type	NOUN
framr-4076	497	33	,	,	PUNCT
framr-4076	497	34	interaction	interaction	NOUN
framr-4076	497	35	type	type	NOUN
framr-4076	497	36	,	,	PUNCT
framr-4076	497	37	direct	direct	ADJ
framr-4076	497	38	financial	financial	ADJ
framr-4076	497	39	processes	process	NOUN
framr-4076	497	40	,	,	PUNCT
framr-4076	497	41	indirect	indirect	ADJ
framr-4076	497	42	financial	financial	ADJ
framr-4076	497	43	processes	process	NOUN
framr-4076	497	44	,	,	PUNCT
framr-4076	497	45	and	and	CCONJ
framr-4076	497	46	sdgs	sdgs	ADJ
framr-4076	497	47	—	—	PUNCT
framr-4076	497	48	was	be	AUX
framr-4076	497	49	conducted	conduct	VERB
framr-4076	497	50	.	.	PUNCT
framr-4076	498	1	the	the	DET
framr-4076	498	2	majority	majority	NOUN
framr-4076	498	3	of	of	ADP
framr-4076	498	4	startups	startup	NOUN
framr-4076	498	5	facilitate	facilitate	VERB
framr-4076	498	6	investment	investment	NOUN
framr-4076	498	7	procedures	procedure	NOUN
framr-4076	498	8	(	(	PUNCT
framr-4076	498	9	15	15	NUM
framr-4076	498	10	)	)	PUNCT
framr-4076	498	11	,	,	PUNCT
framr-4076	498	12	which	which	PRON
framr-4076	498	13	are	be	AUX
framr-4076	498	14	followed	follow	VERB
framr-4076	498	15	by	by	ADP
framr-4076	498	16	cross	cross	NOUN
framr-4076	498	17	-	-	NOUN
framr-4076	498	18	process	process	NOUN
framr-4076	498	19	,	,	PUNCT
framr-4076	498	20	nonlife	nonlife	NOUN
framr-4076	498	21	insurance	insurance	NOUN
framr-4076	498	22	(	(	PUNCT
framr-4076	498	23	2	2	NUM
framr-4076	498	24	)	)	PUNCT
framr-4076	498	25	,	,	PUNCT
framr-4076	498	26	payments	payment	NOUN
framr-4076	498	27	,	,	PUNCT
framr-4076	498	28	advice	advice	NOUN
framr-4076	498	29	and	and	CCONJ
framr-4076	498	30	financing	financing	NOUN
framr-4076	498	31	(	(	PUNCT
framr-4076	498	32	6	6	NUM
framr-4076	498	33	)	)	PUNCT
framr-4076	498	34	,	,	PUNCT
framr-4076	498	35	and	and	CCONJ
framr-4076	498	36	claims	claim	VERB
framr-4076	498	37	administration	administration	NOUN
framr-4076	498	38	(	(	PUNCT
framr-4076	498	39	1	1	NUM
framr-4076	498	40	)	)	PUNCT
framr-4076	498	41	in	in	ADP
framr-4076	498	42	terms	term	NOUN
framr-4076	498	43	of	of	ADP
framr-4076	498	44	direct	direct	ADJ
framr-4076	498	45	financial	financial	ADJ
framr-4076	498	46	processes	process	NOUN
framr-4076	498	47	.	.	PUNCT
framr-4076	499	1	just	just	ADV
framr-4076	499	2	seven	seven	NUM
framr-4076	499	3	firms	firm	NOUN
framr-4076	499	4	assist	assist	VERB
framr-4076	499	5	financial	financial	ADJ
framr-4076	499	6	processes	process	NOUN
framr-4076	499	7	indirectly	indirectly	ADV
framr-4076	499	8	through	through	ADP
framr-4076	499	9	other	other	ADJ
framr-4076	499	10	processes	process	NOUN
framr-4076	499	11	,	,	PUNCT
framr-4076	499	12	including	include	VERB
framr-4076	499	13	living	living	NOUN
framr-4076	499	14	and	and	CCONJ
framr-4076	499	15	leisure	leisure	NOUN
framr-4076	499	16	(	(	PUNCT
framr-4076	499	17	e.g.	e.g.	ADV
framr-4076	499	18	,	,	PUNCT
framr-4076	499	19	paying	pay	VERB
framr-4076	499	20	for	for	ADP
framr-4076	499	21	charging	charge	VERB
framr-4076	499	22	an	an	DET
framr-4076	499	23	electric	electric	ADJ
framr-4076	499	24	car	car	NOUN
framr-4076	499	25	)	)	PUNCT
framr-4076	499	26	,	,	PUNCT
framr-4076	499	27	shopping	shopping	NOUN
framr-4076	499	28	and	and	CCONJ
framr-4076	499	29	logistics	logistic	NOUN
framr-4076	499	30	,	,	PUNCT
framr-4076	499	31	entertainment	entertainment	NOUN
framr-4076	499	32	and	and	CCONJ
framr-4076	499	33	communication	communication	NOUN
framr-4076	499	34	,	,	PUNCT
framr-4076	499	35	transportation	transportation	NOUN
framr-4076	499	36	,	,	PUNCT
framr-4076	499	37	health	health	NOUN
framr-4076	499	38	,	,	PUNCT
framr-4076	499	39	and	and	CCONJ
framr-4076	499	40	education	education	NOUN
framr-4076	499	41	and	and	CCONJ
framr-4076	499	42	work	work	NOUN
framr-4076	499	43	(	(	PUNCT
framr-4076	499	44	puschmann	puschmann	PROPN
framr-4076	499	45	et	et	PROPN
framr-4076	499	46	al	al	PROPN
framr-4076	499	47	.	.	PROPN
framr-4076	499	48	,	,	PUNCT
framr-4076	499	49	2020	2020	NUM
framr-4076	499	50	)	)	PUNCT
framr-4076	499	51	.	.	PUNCT
framr-4076	500	1	in	in	ADP
framr-4076	500	2	addition	addition	NOUN
framr-4076	500	3	to	to	ADP
framr-4076	500	4	being	be	AUX
framr-4076	500	5	customer	customer	NOUN
framr-4076	500	6	-	-	PUNCT
framr-4076	500	7	focused	focused	ADJ
framr-4076	500	8	,	,	PUNCT
framr-4076	500	9	metromile	metromile	NOUN
framr-4076	500	10	encourages	encourage	VERB
framr-4076	500	11	more	more	ADV
framr-4076	500	12	responsible	responsible	ADJ
framr-4076	500	13	driving	driving	NOUN
framr-4076	500	14	,	,	PUNCT
framr-4076	500	15	which	which	PRON
framr-4076	500	16	has	have	VERB
framr-4076	500	17	positive	positive	ADJ
framr-4076	500	18	social	social	ADJ
framr-4076	500	19	and	and	CCONJ
framr-4076	500	20	environmental	environmental	ADJ
framr-4076	500	21	effects	effect	NOUN
framr-4076	500	22	.	.	PUNCT
framr-4076	501	1	the	the	DET
framr-4076	501	2	product	product	NOUN
framr-4076	501	3	proved	prove	VERB
framr-4076	501	4	to	to	PART
framr-4076	501	5	be	be	AUX
framr-4076	501	6	quite	quite	ADV
framr-4076	501	7	successful	successful	ADJ
framr-4076	501	8	.	.	PUNCT
framr-4076	502	1	a	a	DET
framr-4076	502	2	few	few	ADJ
framr-4076	502	3	of	of	ADP
framr-4076	502	4	the	the	DET
framr-4076	502	5	main	main	ADJ
framr-4076	502	6	causes	cause	NOUN
framr-4076	502	7	include	include	VERB
framr-4076	502	8	the	the	DET
framr-4076	502	9	following	follow	VERB
framr-4076	502	10	:	:	PUNCT
framr-4076	502	11	accurate	accurate	ADJ
framr-4076	502	12	data	datum	NOUN
framr-4076	502	13	collection	collection	NOUN
framr-4076	502	14	,	,	PUNCT
framr-4076	502	15	data	data	NOUN
framr-4076	502	16	-	-	PUNCT
framr-4076	502	17	driven	drive	VERB
framr-4076	502	18	processing	processing	NOUN
framr-4076	502	19	that	that	PRON
framr-4076	502	20	proceeds	proceed	VERB
framr-4076	502	21	straight	straight	ADV
framr-4076	502	22	through	through	ADV
framr-4076	502	23	,	,	PUNCT
framr-4076	502	24	regular	regular	ADJ
framr-4076	502	25	updates	update	NOUN
framr-4076	502	26	to	to	ADP
framr-4076	502	27	drivers	driver	NOUN
framr-4076	502	28	on	on	ADP
framr-4076	502	29	the	the	DET
framr-4076	502	30	timing	timing	NOUN
framr-4076	502	31	of	of	ADP
framr-4076	502	32	significant	significant	ADJ
framr-4076	502	33	occurrences	occurrence	NOUN
framr-4076	502	34	,	,	PUNCT
framr-4076	502	35	and	and	CCONJ
framr-4076	502	36	riskreduction	riskreduction	NOUN
framr-4076	502	37	strategies	strategy	NOUN
framr-4076	502	38	.	.	PUNCT
framr-4076	503	1	the	the	DET
framr-4076	503	2	fundamental	fundamental	ADJ
framr-4076	503	3	characteristics	characteristic	NOUN
framr-4076	503	4	that	that	PRON
framr-4076	503	5	set	set	VERB
framr-4076	503	6	these	these	DET
framr-4076	503	7	models	model	NOUN
framr-4076	503	8	apart	apart	ADV
framr-4076	503	9	from	from	ADP
framr-4076	503	10	more	more	ADJ
framr-4076	503	11	conventional	conventional	ADJ
framr-4076	503	12	models	model	NOUN
framr-4076	503	13	are	be	AUX
framr-4076	503	14	what	what	PRON
framr-4076	503	15	give	give	VERB
framr-4076	503	16	them	they	PRON
framr-4076	503	17	strength	strength	NOUN
framr-4076	503	18	;	;	PUNCT
framr-4076	503	19	below	below	ADV
framr-4076	503	20	are	be	AUX
framr-4076	503	21	some	some	PRON
framr-4076	503	22	of	of	ADP
framr-4076	503	23	those	those	DET
framr-4076	503	24	qualities	quality	NOUN
framr-4076	503	25	that	that	PRON
framr-4076	503	26	are	be	AUX
framr-4076	503	27	exclusive	exclusive	ADJ
framr-4076	503	28	to	to	PART
framr-4076	503	29	offers	offer	NOUN
framr-4076	503	30	and	and	CCONJ
framr-4076	503	31	their	their	PRON
framr-4076	503	32	accompanying	accompanying	ADJ
framr-4076	503	33	technological	technological	ADJ
framr-4076	503	34	viability	viability	NOUN
framr-4076	503	35	(	(	PUNCT
framr-4076	503	36	jha	jha	PROPN
framr-4076	503	37	&	&	CCONJ
framr-4076	503	38	sahoo	sahoo	PROPN
framr-4076	503	39	,	,	PUNCT
framr-4076	503	40	2022	2022	NUM
framr-4076	503	41	)	)	PUNCT
framr-4076	503	42	.	.	PUNCT
framr-4076	504	1	5.4	5.4	NUM
framr-4076	504	2	.	.	PUNCT
framr-4076	504	3	mobile	mobile	ADJ
framr-4076	504	4	payment	payment	NOUN
framr-4076	504	5	platforms	platform	NOUN
framr-4076	504	6	and	and	CCONJ
framr-4076	504	7	green	green	ADJ
framr-4076	504	8	credentials	credential	NOUN
framr-4076	504	9	nfc	nfc	PROPN
framr-4076	504	10	,	,	PUNCT
framr-4076	504	11	which	which	PRON
framr-4076	504	12	enables	enable	VERB
framr-4076	504	13	quick	quick	ADJ
framr-4076	504	14	and	and	CCONJ
framr-4076	504	15	safe	safe	ADJ
framr-4076	504	16	exchange	exchange	NOUN
framr-4076	504	17	of	of	ADP
framr-4076	504	18	information	information	NOUN
framr-4076	504	19	between	between	ADP
framr-4076	504	20	electronic	electronic	ADJ
framr-4076	504	21	devices	device	NOUN
framr-4076	504	22	,	,	PUNCT
framr-4076	504	23	is	be	AUX
framr-4076	504	24	one	one	NUM
framr-4076	504	25	of	of	ADP
framr-4076	504	26	the	the	DET
framr-4076	504	27	most	most	ADV
framr-4076	504	28	wellknown	wellknown	ADJ
framr-4076	504	29	mobile	mobile	ADJ
framr-4076	504	30	payment	payment	NOUN
framr-4076	504	31	systems	system	NOUN
framr-4076	504	32	of	of	ADP
framr-4076	504	33	engagement	engagement	NOUN
framr-4076	504	34	paradigms	paradigm	NOUN
framr-4076	504	35	.	.	PUNCT
framr-4076	505	1	numerous	numerous	ADJ
framr-4076	505	2	near	near	ADP
framr-4076	505	3	field	field	NOUN
framr-4076	505	4	communication	communication	NOUN
framr-4076	505	5	(	(	PUNCT
framr-4076	505	6	nfc	nfc	NOUN
framr-4076	505	7	)	)	PUNCT
framr-4076	505	8	payment	payment	NOUN
framr-4076	505	9	platforms	platform	NOUN
framr-4076	505	10	exist	exist	VERB
framr-4076	505	11	globally	globally	ADV
framr-4076	505	12	,	,	PUNCT
framr-4076	505	13	including	include	VERB
framr-4076	505	14	apple	apple	NOUN
framr-4076	505	15	pay	pay	NOUN
framr-4076	505	16	,	,	PUNCT
framr-4076	505	17	cityzi	cityzi	NOUN
framr-4076	505	18	,	,	PUNCT
framr-4076	505	19	google	google	PROPN
framr-4076	505	20	wallet	wallet	NOUN
framr-4076	505	21	,	,	PUNCT
framr-4076	505	22	osaifukeitai	osaifukeitai	ADJ
framr-4076	505	23	,	,	PUNCT
framr-4076	505	24	softcard	softcard	ADJ
framr-4076	505	25	,	,	PUNCT
framr-4076	505	26	unionpay	unionpay	NOUN
framr-4076	505	27	,	,	PUNCT
framr-4076	505	28	visa	visa	NOUN
framr-4076	505	29	paywave	paywave	NOUN
framr-4076	505	30	,	,	PUNCT
framr-4076	505	31	and	and	CCONJ
framr-4076	505	32	mastercard	mastercard	PROPN
framr-4076	505	33	's	's	PART
framr-4076	505	34	mobile	mobile	ADJ
framr-4076	505	35	paypass	paypass	NOUN
framr-4076	505	36	.	.	PUNCT
framr-4076	506	1	in	in	ADP
framr-4076	506	2	today	today	NOUN
framr-4076	506	3	's	's	PART
framr-4076	506	4	fast	fast	ADV
framr-4076	506	5	-	-	PUNCT
framr-4076	506	6	paced	pace	VERB
framr-4076	506	7	and	and	CCONJ
framr-4076	506	8	transaction	transaction	NOUN
framr-4076	506	9	-	-	PUNCT
framr-4076	506	10	heavy	heavy	ADJ
framr-4076	506	11	industries	industry	NOUN
framr-4076	506	12	,	,	PUNCT
framr-4076	506	13	such	such	ADJ
framr-4076	506	14	as	as	ADP
framr-4076	506	15	transportation	transportation	NOUN
framr-4076	506	16	systems	system	NOUN
framr-4076	506	17	,	,	PUNCT
framr-4076	506	18	contactless	contactless	NOUN
framr-4076	506	19	techniques	technique	NOUN
framr-4076	506	20	are	be	AUX
framr-4076	506	21	effectively	effectively	ADV
framr-4076	506	22	implemented	implement	VERB
framr-4076	506	23	(	(	PUNCT
framr-4076	506	24	penttilä	penttilä	NOUN
framr-4076	506	25	,	,	PUNCT
framr-4076	506	26	siira	siira	NOUN
framr-4076	506	27	,	,	PUNCT
framr-4076	506	28	&	&	CCONJ
framr-4076	506	29	tihinen	tihinen	PROPN
framr-4076	506	30	,	,	PUNCT
framr-4076	506	31	2016	2016	NUM
framr-4076	506	32	)	)	PUNCT
framr-4076	506	33	.	.	PUNCT
framr-4076	507	1	a	a	DET
framr-4076	507	2	finnish	finnish	ADJ
framr-4076	507	3	business	business	NOUN
framr-4076	507	4	called	call	VERB
framr-4076	507	5	idcontrol	idcontrol	NOUN
framr-4076	507	6	specialises	specialise	VERB
framr-4076	507	7	in	in	ADP
framr-4076	507	8	structural	structural	ADJ
framr-4076	507	9	or	or	CCONJ
framr-4076	507	10	physical	physical	ADJ
framr-4076	507	11	identification	identification	NOUN
framr-4076	507	12	.	.	PUNCT
framr-4076	508	1	to	to	PART
framr-4076	508	2	improve	improve	VERB
framr-4076	508	3	a	a	DET
framr-4076	508	4	company	company	NOUN
framr-4076	508	5	's	's	PART
framr-4076	508	6	security	security	NOUN
framr-4076	508	7	,	,	PUNCT
framr-4076	508	8	idcontrol	idcontrol	NOUN
framr-4076	508	9	offers	offer	VERB
framr-4076	508	10	visitor	visitor	NOUN
framr-4076	508	11	management	management	NOUN
framr-4076	508	12	,	,	PUNCT
framr-4076	508	13	access	access	NOUN
framr-4076	508	14	control	control	NOUN
framr-4076	508	15	,	,	PUNCT
framr-4076	508	16	and	and	CCONJ
framr-4076	508	17	i	i	NOUN
framr-4076	508	18	d	d	PROPN
framr-4076	508	19	tools	tool	NOUN
framr-4076	508	20	.	.	PUNCT
framr-4076	509	1	in	in	ADP
framr-4076	509	2	the	the	DET
framr-4076	509	3	pace	pace	NOUN
framr-4076	509	4	business	business	NOUN
framr-4076	509	5	case	case	NOUN
framr-4076	509	6	,	,	PUNCT
framr-4076	509	7	idcontrol	idcontrol	NOUN
framr-4076	509	8	sent	send	VERB
framr-4076	509	9	the	the	DET
framr-4076	509	10	credential	credential	ADJ
framr-4076	509	11	—	—	PUNCT
framr-4076	509	12	access	access	NOUN
framr-4076	509	13	privileges	privilege	NOUN
framr-4076	509	14	in	in	ADP
framr-4076	509	15	this	this	DET
framr-4076	509	16	case	case	NOUN
framr-4076	509	17	—	—	PUNCT
framr-4076	509	18	to	to	ADP
framr-4076	509	19	the	the	DET
framr-4076	509	20	client	client	NOUN
framr-4076	509	21	's	's	PART
framr-4076	509	22	phones	phone	NOUN
framr-4076	509	23	by	by	ADP
framr-4076	509	24	air	air	NOUN
framr-4076	509	25	delivery	delivery	NOUN
framr-4076	509	26	.	.	PUNCT
framr-4076	510	1	key	key	ADJ
framr-4076	510	2	management	management	NOUN
framr-4076	510	3	is	be	AUX
framr-4076	510	4	a	a	DET
framr-4076	510	5	huge	huge	ADJ
framr-4076	510	6	task	task	NOUN
framr-4076	510	7	,	,	PUNCT
framr-4076	510	8	particularly	particularly	ADV
framr-4076	510	9	for	for	ADP
framr-4076	510	10	hotels	hotel	NOUN
framr-4076	510	11	but	but	CCONJ
framr-4076	510	12	also	also	ADV
framr-4076	510	13	for	for	ADP
framr-4076	510	14	cottage	cottage	NOUN
framr-4076	510	15	rentals	rental	NOUN
framr-4076	510	16	.	.	PUNCT
framr-4076	511	1	all	all	DET
framr-4076	511	2	-	-	PUNCT
framr-4076	511	3	access	access	NOUN
framr-4076	511	4	system	system	NOUN
framr-4076	511	5	administration	administration	NOUN
framr-4076	511	6	may	may	AUX
framr-4076	511	7	be	be	AUX
framr-4076	511	8	essentially	essentially	ADV
framr-4076	511	9	automated	automate	VERB
framr-4076	511	10	if	if	SCONJ
framr-4076	511	11	the	the	DET
framr-4076	511	12	system	system	NOUN
framr-4076	511	13	can	can	AUX
framr-4076	511	14	provide	provide	VERB
framr-4076	511	15	access	access	NOUN
framr-4076	511	16	privileges	privilege	NOUN
framr-4076	511	17	directly	directly	ADV
framr-4076	511	18	to	to	ADP
framr-4076	511	19	the	the	DET
framr-4076	511	20	customers	customer	NOUN
framr-4076	511	21	'	'	PART
framr-4076	511	22	phones	phone	NOUN
framr-4076	511	23	,	,	PUNCT
framr-4076	511	24	allowing	allow	VERB
framr-4076	511	25	the	the	DET
framr-4076	511	26	unlocking	unlocking	NOUN
framr-4076	511	27	of	of	ADP
framr-4076	511	28	certain	certain	ADJ
framr-4076	511	29	locks	lock	NOUN
framr-4076	511	30	during	during	ADP
framr-4076	511	31	the	the	DET
framr-4076	511	32	allotted	allotted	ADJ
framr-4076	511	33	time	time	NOUN
framr-4076	511	34	(	(	PUNCT
framr-4076	511	35	penttilä	penttilä	NOUN
framr-4076	511	36	et	et	PROPN
framr-4076	511	37	al	al	PROPN
framr-4076	511	38	.	.	PROPN
framr-4076	511	39	,	,	PUNCT
framr-4076	511	40	2016	2016	NUM
framr-4076	511	41	)	)	PUNCT
framr-4076	511	42	.	.	PUNCT
framr-4076	512	1	apple	apple	NOUN
framr-4076	512	2	has	have	AUX
framr-4076	512	3	often	often	ADV
framr-4076	512	4	stated	state	VERB
framr-4076	512	5	in	in	ADP
framr-4076	512	6	its	its	PRON
framr-4076	512	7	environmental	environmental	ADJ
framr-4076	512	8	and	and	CCONJ
framr-4076	512	9	responsibility	responsibility	NOUN
framr-4076	512	10	reports	report	VERB
framr-4076	512	11	that	that	SCONJ
framr-4076	512	12	all	all	PRON
framr-4076	512	13	of	of	ADP
framr-4076	512	14	the	the	DET
framr-4076	512	15	energy	energy	NOUN
framr-4076	512	16	used	use	VERB
framr-4076	512	17	in	in	ADP
framr-4076	512	18	its	its	PRON
framr-4076	512	19	data	data	NOUN
framr-4076	512	20	centres	centre	NOUN
framr-4076	512	21	and	and	CCONJ
framr-4076	512	22	corporate	corporate	ADJ
framr-4076	512	23	offices	office	NOUN
framr-4076	512	24	globally	globally	ADV
framr-4076	512	25	is	be	AUX
framr-4076	512	26	derived	derive	VERB
framr-4076	512	27	from	from	ADP
framr-4076	512	28	renewable	renewable	ADJ
framr-4076	512	29	sources	source	NOUN
framr-4076	512	30	,	,	PUNCT
framr-4076	512	31	accounting	account	VERB
framr-4076	512	32	for	for	ADP
framr-4076	512	33	over	over	ADP
framr-4076	512	34	90	90	NUM
framr-4076	512	35	%	%	NOUN
framr-4076	512	36	of	of	ADP
framr-4076	512	37	the	the	DET
framr-4076	512	38	energy	energy	NOUN
framr-4076	512	39	used	use	VERB
framr-4076	512	40	in	in	ADP
framr-4076	512	41	the	the	DET
framr-4076	512	42	us	us	PROPN
framr-4076	512	43	(	(	PUNCT
framr-4076	512	44	monyei	monyei	PROPN
framr-4076	512	45	&	&	CCONJ
framr-4076	512	46	jenkins	jenkins	PROPN
framr-4076	512	47	,	,	PUNCT
framr-4076	512	48	2018	2018	NUM
framr-4076	512	49	)	)	PUNCT
framr-4076	512	50	.	.	PUNCT
framr-4076	513	1	the	the	DET
framr-4076	513	2	chinese	chinese	PROPN
framr-4076	513	3	ecommerce	ecommerce	PROPN
framr-4076	513	4	behemoth	behemoth	PROPN
framr-4076	513	5	tencent	tencent	PROPN
framr-4076	513	6	group	group	NOUN
framr-4076	513	7	and	and	CCONJ
framr-4076	513	8	asset	asset	NOUN
framr-4076	513	9	bright	bright	ADJ
framr-4076	513	10	company	company	NOUN
framr-4076	513	11	,	,	PUNCT
framr-4076	513	12	which	which	PRON
framr-4076	513	13	is	be	AUX
framr-4076	513	14	listed	list	VERB
framr-4076	513	15	on	on	ADP
framr-4076	513	16	the	the	DET
framr-4076	513	17	thai	thai	PROPN
framr-4076	513	18	stock	stock	PROPN
framr-4076	513	19	exchange	exchange	PROPN
framr-4076	513	20	,	,	PUNCT
framr-4076	513	21	have	have	AUX
framr-4076	513	22	partnered	partner	VERB
framr-4076	513	23	to	to	PART
framr-4076	513	24	enable	enable	VERB
framr-4076	513	25	wechat	wechat	NOUN
framr-4076	513	26	payments	payment	NOUN
framr-4076	513	27	that	that	PRON
framr-4076	513	28	may	may	AUX
framr-4076	513	29	potentially	potentially	ADV
framr-4076	513	30	increase	increase	VERB
framr-4076	513	31	chinese	chinese	ADJ
framr-4076	513	32	visitors	visitor	NOUN
framr-4076	513	33	'	'	PART
framr-4076	513	34	spending	spending	NOUN
framr-4076	513	35	in	in	ADP
framr-4076	513	36	thailand	thailand	PROPN
framr-4076	513	37	.	.	PUNCT
framr-4076	514	1	additional	additional	ADJ
framr-4076	514	2	files	file	NOUN
framr-4076	514	3	have	have	AUX
framr-4076	514	4	been	be	AUX
framr-4076	514	5	submitted	submit	VERB
framr-4076	514	6	to	to	ADP
framr-4076	514	7	the	the	DET
framr-4076	514	8	bot	bot	NOUN
framr-4076	514	9	by	by	ADP
framr-4076	514	10	asset	asset	NOUN
framr-4076	514	11	bright	bright	ADJ
framr-4076	514	12	and	and	CCONJ
framr-4076	514	13	the	the	DET
framr-4076	514	14	drop	drop	NOUN
framr-4076	514	15	.	.	PUNCT
framr-4076	515	1	wechat	wechat	PROPN
framr-4076	515	2	invites	invite	VERB
framr-4076	515	3	local	local	ADJ
framr-4076	515	4	vendors	vendor	NOUN
framr-4076	515	5	to	to	PART
framr-4076	515	6	apply	apply	VERB
framr-4076	515	7	to	to	PART
framr-4076	515	8	become	become	VERB
framr-4076	515	9	one	one	NUM
framr-4076	515	10	of	of	ADP
framr-4076	515	11	its	its	PRON
framr-4076	515	12	3,000–5,000	3,000–5,000	NUM
framr-4076	515	13	target	target	NOUN
framr-4076	515	14	suppliers	supplier	NOUN
framr-4076	515	15	.	.	PUNCT
framr-4076	516	1	financial	financial	ADJ
framr-4076	516	2	risk	risk	NOUN
framr-4076	516	3	and	and	CCONJ
framr-4076	516	4	management	management	NOUN
framr-4076	516	5	reviews	review	NOUN
framr-4076	516	6	,	,	PUNCT
framr-4076	516	7	2025	2025	NUM
framr-4076	516	8	,	,	PUNCT
framr-4076	516	9	11(1	11(1	NUM
framr-4076	516	10	):	):	PUNCT
framr-4076	516	11	37	37	NUM
framr-4076	516	12	-	-	SYM
framr-4076	516	13	71	71	NUM
framr-4076	516	14	56	56	NUM
framr-4076	516	15	©	©	PROPN
framr-4076	516	16	2025	2025	NUM
framr-4076	516	17	conscientia	conscientia	PROPN
framr-4076	516	18	beam	beam	PROPN
framr-4076	516	19	.	.	PUNCT
framr-4076	517	1	all	all	DET
framr-4076	517	2	rights	right	NOUN
framr-4076	517	3	reserved	reserve	VERB
framr-4076	517	4	.	.	PUNCT
framr-4076	518	1	since	since	SCONJ
framr-4076	518	2	wechat	wechat	PROPN
framr-4076	518	3	is	be	AUX
framr-4076	518	4	the	the	DET
framr-4076	518	5	most	most	ADV
framr-4076	518	6	popular	popular	ADJ
framr-4076	518	7	mobile	mobile	ADJ
framr-4076	518	8	application	application	NOUN
framr-4076	518	9	among	among	ADP
framr-4076	518	10	the	the	DET
framr-4076	518	11	chinese	chinese	PROPN
framr-4076	518	12	,	,	PUNCT
framr-4076	518	13	merchants	merchant	NOUN
framr-4076	518	14	who	who	PRON
framr-4076	518	15	are	be	AUX
framr-4076	518	16	interested	interested	ADJ
framr-4076	518	17	in	in	ADP
framr-4076	518	18	accepting	accept	VERB
framr-4076	518	19	money	money	NOUN
framr-4076	518	20	from	from	ADP
framr-4076	518	21	this	this	DET
framr-4076	518	22	payment	payment	NOUN
framr-4076	518	23	service	service	NOUN
framr-4076	518	24	must	must	AUX
framr-4076	518	25	have	have	VERB
framr-4076	518	26	a	a	DET
framr-4076	518	27	bank	bank	NOUN
framr-4076	518	28	account	account	NOUN
framr-4076	518	29	.	.	PUNCT
framr-4076	519	1	additionally	additionally	ADV
framr-4076	519	2	,	,	PUNCT
framr-4076	519	3	clients	client	NOUN
framr-4076	519	4	are	be	AUX
framr-4076	519	5	thai	thai	ADJ
framr-4076	519	6	chinese	chinese	ADJ
framr-4076	519	7	tourists	tourist	NOUN
framr-4076	519	8	who	who	PRON
framr-4076	519	9	must	must	AUX
framr-4076	519	10	get	get	VERB
framr-4076	519	11	in	in	ADP
framr-4076	519	12	touch	touch	NOUN
framr-4076	519	13	with	with	ADP
framr-4076	519	14	asset	asset	NOUN
framr-4076	519	15	bright	bright	ADJ
framr-4076	519	16	to	to	PART
framr-4076	519	17	confirm	confirm	VERB
framr-4076	519	18	their	their	PRON
framr-4076	519	19	identification	identification	NOUN
framr-4076	519	20	.	.	PUNCT
framr-4076	520	1	the	the	DET
framr-4076	520	2	payment	payment	NOUN
framr-4076	520	3	mechanism	mechanism	NOUN
framr-4076	520	4	functions	function	NOUN
framr-4076	520	5	similarly	similarly	ADV
framr-4076	520	6	to	to	ADP
framr-4076	520	7	that	that	PRON
framr-4076	520	8	of	of	ADP
framr-4076	520	9	credit	credit	NOUN
framr-4076	520	10	cards	card	NOUN
framr-4076	520	11	,	,	PUNCT
framr-4076	520	12	which	which	DET
framr-4076	520	13	retailers	retailer	NOUN
framr-4076	520	14	may	may	AUX
framr-4076	520	15	obtain	obtain	VERB
framr-4076	520	16	the	the	DET
framr-4076	520	17	next	next	ADJ
framr-4076	520	18	day	day	NOUN
framr-4076	520	19	(	(	PUNCT
framr-4076	520	20	feng	feng	PROPN
framr-4076	520	21	,	,	PUNCT
framr-4076	520	22	2020	2020	NUM
framr-4076	520	23	)	)	PUNCT
framr-4076	520	24	.	.	PUNCT
framr-4076	521	1	a	a	DET
framr-4076	521	2	well	well	ADV
framr-4076	521	3	-	-	PUNCT
framr-4076	521	4	defined	define	VERB
framr-4076	521	5	plan	plan	NOUN
framr-4076	521	6	is	be	AUX
framr-4076	521	7	necessary	necessary	ADJ
framr-4076	521	8	to	to	PART
framr-4076	521	9	maintain	maintain	VERB
framr-4076	521	10	competitiveness	competitiveness	NOUN
framr-4076	521	11	and	and	CCONJ
framr-4076	521	12	enhance	enhance	VERB
framr-4076	521	13	sustainability	sustainability	NOUN
framr-4076	521	14	as	as	ADP
framr-4076	521	15	client	client	NOUN
framr-4076	521	16	demands	demand	NOUN
framr-4076	521	17	change	change	NOUN
framr-4076	521	18	.	.	PUNCT
framr-4076	522	1	the	the	DET
framr-4076	522	2	essential	essential	ADJ
framr-4076	522	3	element	element	NOUN
framr-4076	522	4	of	of	ADP
framr-4076	522	5	fintech	fintech	NOUN
framr-4076	522	6	services	service	NOUN
framr-4076	522	7	that	that	PRON
framr-4076	522	8	allows	allow	VERB
framr-4076	522	9	users	user	NOUN
framr-4076	522	10	to	to	PART
framr-4076	522	11	buy	buy	VERB
framr-4076	522	12	using	use	VERB
framr-4076	522	13	smartphones	smartphone	NOUN
framr-4076	522	14	is	be	AUX
framr-4076	522	15	mobile	mobile	ADJ
framr-4076	522	16	wallets	wallet	NOUN
framr-4076	522	17	.	.	PUNCT
framr-4076	523	1	though	though	SCONJ
framr-4076	523	2	much	much	ADJ
framr-4076	523	3	study	study	NOUN
framr-4076	523	4	has	have	AUX
framr-4076	523	5	n't	not	PART
framr-4076	523	6	been	be	AUX
framr-4076	523	7	done	do	VERB
framr-4076	523	8	in	in	ADP
framr-4076	523	9	this	this	DET
framr-4076	523	10	area	area	NOUN
framr-4076	523	11	,	,	PUNCT
framr-4076	523	12	the	the	DET
framr-4076	523	13	use	use	NOUN
framr-4076	523	14	of	of	ADP
framr-4076	523	15	mobile	mobile	ADJ
framr-4076	523	16	wallets	wallet	NOUN
framr-4076	523	17	in	in	ADP
framr-4076	523	18	retail	retail	ADJ
framr-4076	523	19	and	and	CCONJ
framr-4076	523	20	e	e	NOUN
framr-4076	523	21	-	-	NOUN
framr-4076	523	22	commerce	commerce	NOUN
framr-4076	523	23	has	have	AUX
framr-4076	523	24	begun	begin	VERB
framr-4076	523	25	to	to	PART
framr-4076	523	26	rise	rise	VERB
framr-4076	523	27	.	.	PUNCT
framr-4076	524	1	smartphones	smartphone	NOUN
framr-4076	524	2	are	be	AUX
framr-4076	524	3	an	an	DET
framr-4076	524	4	essential	essential	ADJ
framr-4076	524	5	banking	banking	NOUN
framr-4076	524	6	channel	channel	NOUN
framr-4076	524	7	due	due	ADP
framr-4076	524	8	to	to	ADP
framr-4076	524	9	their	their	PRON
framr-4076	524	10	simple	simple	ADJ
framr-4076	524	11	accessibility	accessibility	NOUN
framr-4076	524	12	and	and	CCONJ
framr-4076	524	13	substantial	substantial	ADJ
framr-4076	524	14	value	value	NOUN
framr-4076	524	15	to	to	ADP
framr-4076	524	16	clients	client	NOUN
framr-4076	524	17	,	,	PUNCT
framr-4076	524	18	made	make	VERB
framr-4076	524	19	possible	possible	ADJ
framr-4076	524	20	by	by	ADP
framr-4076	524	21	wireless	wireless	ADJ
framr-4076	524	22	connections	connection	NOUN
framr-4076	524	23	and	and	CCONJ
framr-4076	524	24	the	the	DET
framr-4076	524	25	growth	growth	NOUN
framr-4076	524	26	of	of	ADP
framr-4076	524	27	the	the	DET
framr-4076	524	28	internet	internet	NOUN
framr-4076	524	29	.	.	PUNCT
framr-4076	525	1	m	m	NOUN
framr-4076	525	2	-	-	PUNCT
framr-4076	525	3	banking	banking	NOUN
framr-4076	525	4	capitalises	capitalise	NOUN
framr-4076	525	5	on	on	ADP
framr-4076	525	6	the	the	DET
framr-4076	525	7	growing	grow	VERB
framr-4076	525	8	trend	trend	NOUN
framr-4076	525	9	of	of	ADP
framr-4076	525	10	smartphone	smartphone	NOUN
framr-4076	525	11	use	use	NOUN
framr-4076	525	12	and	and	CCONJ
framr-4076	525	13	drives	drive	VERB
framr-4076	525	14	the	the	DET
framr-4076	525	15	need	need	NOUN
framr-4076	525	16	for	for	ADP
framr-4076	525	17	mobile	mobile	ADJ
framr-4076	525	18	wallet	wallet	NOUN
framr-4076	525	19	services	service	NOUN
framr-4076	525	20	among	among	ADP
framr-4076	525	21	social	social	ADJ
framr-4076	525	22	consumers	consumer	NOUN
framr-4076	525	23	and	and	CCONJ
framr-4076	525	24	retailers	retailer	NOUN
framr-4076	525	25	(	(	PUNCT
framr-4076	525	26	hopalı	hopalı	NOUN
framr-4076	525	27	,	,	PUNCT
framr-4076	525	28	vayvay	vayvay	NOUN
framr-4076	525	29	,	,	PUNCT
framr-4076	525	30	kalender	kalender	NOUN
framr-4076	525	31	,	,	PUNCT
framr-4076	525	32	turhan	turhan	ADJ
framr-4076	525	33	,	,	PUNCT
framr-4076	525	34	&	&	CCONJ
framr-4076	525	35	aysuna	aysuna	ADJ
framr-4076	525	36	,	,	PUNCT
framr-4076	525	37	2022	2022	NUM
framr-4076	525	38	)	)	PUNCT
framr-4076	525	39	.	.	PUNCT
framr-4076	526	1	5.5	5.5	NUM
framr-4076	526	2	.	.	X
framr-4076	527	1	robo	robo	NOUN
framr-4076	527	2	-	-	PUNCT
framr-4076	527	3	advisors	advisor	NOUN
framr-4076	527	4	and	and	CCONJ
framr-4076	527	5	sustainable	sustainable	ADJ
framr-4076	527	6	investment	investment	NOUN
framr-4076	527	7	robo	robo	NOUN
framr-4076	527	8	-	-	PUNCT
framr-4076	527	9	advisors	advisor	NOUN
framr-4076	527	10	are	be	AUX
framr-4076	527	11	online	online	ADJ
framr-4076	527	12	investing	investing	NOUN
framr-4076	527	13	services	service	NOUN
framr-4076	527	14	that	that	PRON
framr-4076	527	15	are	be	AUX
framr-4076	527	16	entirely	entirely	ADV
framr-4076	527	17	automated	automate	VERB
framr-4076	527	18	and	and	CCONJ
framr-4076	527	19	available	available	ADJ
framr-4076	527	20	to	to	ADP
framr-4076	527	21	both	both	CCONJ
framr-4076	527	22	institutional	institutional	ADJ
framr-4076	527	23	and	and	CCONJ
framr-4076	527	24	private	private	ADJ
framr-4076	527	25	customers	customer	NOUN
framr-4076	527	26	.	.	PUNCT
framr-4076	528	1	this	this	DET
framr-4076	528	2	service	service	NOUN
framr-4076	528	3	's	's	PART
framr-4076	528	4	usage	usage	NOUN
framr-4076	528	5	of	of	ADP
framr-4076	528	6	artificial	artificial	ADJ
framr-4076	528	7	intelligence	intelligence	NOUN
framr-4076	528	8	and	and	CCONJ
framr-4076	528	9	mathematical	mathematical	ADJ
framr-4076	528	10	algorithms	algorithms	NOUN
framr-4076	528	11	for	for	ADP
framr-4076	528	12	client	client	NOUN
framr-4076	528	13	advice	advice	NOUN
framr-4076	528	14	are	be	AUX
framr-4076	528	15	its	its	PRON
framr-4076	528	16	distinguishing	distinguish	VERB
framr-4076	528	17	features	feature	NOUN
framr-4076	528	18	.	.	PUNCT
framr-4076	529	1	the	the	DET
framr-4076	529	2	online	online	ADJ
framr-4076	529	3	service	service	NOUN
framr-4076	529	4	does	do	VERB
framr-4076	529	5	this	this	PRON
framr-4076	529	6	in	in	ADP
framr-4076	529	7	an	an	DET
framr-4076	529	8	attempt	attempt	NOUN
framr-4076	529	9	to	to	PART
framr-4076	529	10	mimic	mimic	VERB
framr-4076	529	11	and	and	CCONJ
framr-4076	529	12	even	even	ADV
framr-4076	529	13	exceed	exceed	VERB
framr-4076	529	14	human	human	ADJ
framr-4076	529	15	service	service	NOUN
framr-4076	529	16	(	(	PUNCT
framr-4076	529	17	au	au	PROPN
framr-4076	529	18	,	,	PUNCT
framr-4076	529	19	klingenberger	klingenberger	NOUN
framr-4076	529	20	,	,	PUNCT
framr-4076	529	21	svoboda	svoboda	PROPN
framr-4076	529	22	,	,	PUNCT
framr-4076	529	23	&	&	CCONJ
framr-4076	529	24	frère	frère	PROPN
framr-4076	529	25	,	,	PUNCT
framr-4076	529	26	2021	2021	NUM
framr-4076	529	27	)	)	PUNCT
framr-4076	529	28	.	.	PUNCT
framr-4076	530	1	the	the	DET
framr-4076	530	2	first	first	ADJ
framr-4076	530	3	robo	robo	NOUN
framr-4076	530	4	-	-	PUNCT
framr-4076	530	5	advisers	adviser	NOUN
framr-4076	530	6	were	be	AUX
framr-4076	530	7	introduced	introduce	VERB
framr-4076	530	8	by	by	ADP
framr-4076	530	9	phoon	phoon	PROPN
framr-4076	530	10	and	and	CCONJ
framr-4076	530	11	koh	koh	PROPN
framr-4076	530	12	(	(	PUNCT
framr-4076	530	13	2018	2018	NUM
framr-4076	530	14	)	)	PUNCT
framr-4076	530	15	.	.	PUNCT
framr-4076	531	1	numerous	numerous	ADJ
framr-4076	531	2	more	more	ADJ
framr-4076	531	3	robo	robo	NOUN
framr-4076	531	4	-	-	PUNCT
framr-4076	531	5	advisers	adviser	NOUN
framr-4076	531	6	have	have	AUX
framr-4076	531	7	now	now	ADV
framr-4076	531	8	entered	enter	VERB
framr-4076	531	9	the	the	DET
framr-4076	531	10	market	market	NOUN
framr-4076	531	11	,	,	PUNCT
framr-4076	531	12	and	and	CCONJ
framr-4076	531	13	after	after	ADP
framr-4076	531	14	10	10	NUM
framr-4076	531	15	years	year	NOUN
framr-4076	531	16	,	,	PUNCT
framr-4076	531	17	robo	robo	NOUN
framr-4076	531	18	-	-	PUNCT
framr-4076	531	19	advisors	advisor	NOUN
framr-4076	531	20	managed	manage	VERB
framr-4076	531	21	$	$	SYM
framr-4076	531	22	200	200	NUM
framr-4076	531	23	billion	billion	NUM
framr-4076	531	24	in	in	ADP
framr-4076	531	25	assets	asset	NOUN
framr-4076	531	26	globally	globally	ADV
framr-4076	531	27	,	,	PUNCT
framr-4076	531	28	and	and	CCONJ
framr-4076	531	29	all	all	DET
framr-4076	531	30	indications	indication	NOUN
framr-4076	531	31	point	point	VERB
framr-4076	531	32	to	to	ADP
framr-4076	531	33	continued	continue	VERB
framr-4076	531	34	expansion	expansion	NOUN
framr-4076	531	35	(	(	PUNCT
framr-4076	531	36	iperen	iperen	NOUN
framr-4076	531	37	,	,	PUNCT
framr-4076	531	38	2024	2024	NUM
framr-4076	531	39	)	)	PUNCT
framr-4076	531	40	.	.	PUNCT
framr-4076	532	1	the	the	DET
framr-4076	532	2	majority	majority	NOUN
framr-4076	532	3	of	of	ADP
framr-4076	532	4	roboadvisors	roboadvisor	NOUN
framr-4076	532	5	choose	choose	VERB
framr-4076	532	6	and	and	CCONJ
framr-4076	532	7	invest	invest	VERB
framr-4076	532	8	in	in	ADP
framr-4076	532	9	stocks	stock	NOUN
framr-4076	532	10	and	and	CCONJ
framr-4076	532	11	bonds	bond	NOUN
framr-4076	532	12	on	on	ADP
framr-4076	532	13	their	their	PRON
framr-4076	532	14	own	own	ADJ
framr-4076	532	15	.	.	PUNCT
framr-4076	533	1	there	there	PRON
framr-4076	533	2	are	be	VERB
framr-4076	533	3	instances	instance	NOUN
framr-4076	533	4	in	in	ADP
framr-4076	533	5	which	which	PRON
framr-4076	533	6	a	a	DET
framr-4076	533	7	single	single	ADJ
framr-4076	533	8	stock	stock	NOUN
framr-4076	533	9	sector	sector	NOUN
framr-4076	533	10	is	be	AUX
framr-4076	533	11	heavily	heavily	ADV
framr-4076	533	12	invested	invest	VERB
framr-4076	533	13	in	in	ADP
framr-4076	533	14	and	and	CCONJ
framr-4076	533	15	divided	divide	VERB
framr-4076	533	16	up	up	ADP
framr-4076	533	17	.	.	PUNCT
framr-4076	534	1	the	the	DET
framr-4076	534	2	other	other	ADJ
framr-4076	534	3	two	two	NUM
framr-4076	534	4	businesses	business	NOUN
framr-4076	534	5	invest	invest	VERB
framr-4076	534	6	in	in	ADP
framr-4076	534	7	less	less	ADJ
framr-4076	534	8	than	than	ADP
framr-4076	534	9	ten	ten	NUM
framr-4076	534	10	assets	asset	NOUN
framr-4076	534	11	,	,	PUNCT
framr-4076	534	12	whereas	whereas	SCONJ
framr-4076	534	13	schwab	schwab	NOUN
framr-4076	534	14	intelligent	intelligent	ADJ
framr-4076	534	15	owns	own	VERB
framr-4076	534	16	about	about	ADV
framr-4076	534	17	thirty	thirty	NUM
framr-4076	534	18	assets	asset	NOUN
framr-4076	534	19	.	.	PUNCT
framr-4076	535	1	specifically	specifically	ADV
framr-4076	535	2	,	,	PUNCT
framr-4076	535	3	when	when	SCONJ
framr-4076	535	4	utilising	utilise	VERB
framr-4076	535	5	robo	robo	NOUN
framr-4076	535	6	-	-	PUNCT
framr-4076	535	7	advisors	advisor	NOUN
framr-4076	535	8	,	,	PUNCT
framr-4076	535	9	all	all	DET
framr-4076	535	10	three	three	NUM
framr-4076	535	11	of	of	ADP
framr-4076	535	12	these	these	DET
framr-4076	535	13	organisations	organisation	NOUN
framr-4076	535	14	invest	invest	VERB
framr-4076	535	15	in	in	ADP
framr-4076	535	16	international	international	ADJ
framr-4076	535	17	bonds	bond	NOUN
framr-4076	535	18	.	.	PUNCT
framr-4076	536	1	the	the	DET
framr-4076	536	2	three	three	NUM
framr-4076	536	3	firms	firm	NOUN
framr-4076	536	4	'	'	PART
framr-4076	536	5	asset	asset	NOUN
framr-4076	536	6	allocations	allocation	NOUN
framr-4076	536	7	differ	differ	VERB
framr-4076	536	8	slightly	slightly	ADV
framr-4076	536	9	in	in	ADP
framr-4076	536	10	that	that	DET
framr-4076	536	11	wealthfront	wealthfront	NOUN
framr-4076	536	12	and	and	CCONJ
framr-4076	536	13	schwab	schwab	VERB
framr-4076	536	14	intelligent	intelligent	ADJ
framr-4076	536	15	invest	invest	VERB
framr-4076	536	16	in	in	ADP
framr-4076	536	17	resources	resource	NOUN
framr-4076	536	18	like	like	ADP
framr-4076	536	19	gold	gold	NOUN
framr-4076	536	20	and	and	CCONJ
framr-4076	536	21	associated	associated	ADJ
framr-4076	536	22	exchange	exchange	NOUN
framr-4076	536	23	-	-	PUNCT
framr-4076	536	24	traded	trade	VERB
framr-4076	536	25	funds	fund	NOUN
framr-4076	536	26	(	(	PUNCT
framr-4076	536	27	etfs	etfs	PROPN
framr-4076	536	28	)	)	PUNCT
framr-4076	536	29	.	.	PUNCT
framr-4076	537	1	improvement	improvement	NOUN
framr-4076	537	2	may	may	AUX
framr-4076	537	3	be	be	AUX
framr-4076	537	4	viewed	view	VERB
framr-4076	537	5	as	as	ADP
framr-4076	537	6	deficient	deficient	ADJ
framr-4076	537	7	from	from	ADP
framr-4076	537	8	the	the	DET
framr-4076	537	9	standpoint	standpoint	NOUN
framr-4076	537	10	of	of	ADP
framr-4076	537	11	variety	variety	NOUN
framr-4076	537	12	(	(	PUNCT
framr-4076	537	13	park	park	NOUN
framr-4076	537	14	,	,	PUNCT
framr-4076	537	15	ryu	ryu	PROPN
framr-4076	537	16	,	,	PUNCT
framr-4076	537	17	&	&	CCONJ
framr-4076	537	18	shin	shin	PROPN
framr-4076	537	19	,	,	PUNCT
framr-4076	537	20	2016	2016	NUM
framr-4076	537	21	)	)	PUNCT
framr-4076	537	22	.	.	PUNCT
framr-4076	538	1	one	one	NUM
framr-4076	538	2	further	further	ADJ
framr-4076	538	3	feature	feature	NOUN
framr-4076	538	4	shared	share	VERB
framr-4076	538	5	by	by	ADP
framr-4076	538	6	all	all	DET
framr-4076	538	7	three	three	NUM
framr-4076	538	8	roboadvisors	roboadvisor	NOUN
framr-4076	538	9	is	be	AUX
framr-4076	538	10	their	their	PRON
framr-4076	538	11	investment	investment	NOUN
framr-4076	538	12	in	in	ADP
framr-4076	538	13	us	we	PRON
framr-4076	538	14	corporate	corporate	ADJ
framr-4076	538	15	bonds	bond	NOUN
framr-4076	538	16	,	,	PUNCT
framr-4076	538	17	which	which	PRON
framr-4076	538	18	carries	carry	VERB
framr-4076	538	19	three	three	NUM
framr-4076	538	20	different	different	ADJ
framr-4076	538	21	kinds	kind	NOUN
framr-4076	538	22	of	of	ADP
framr-4076	538	23	risk	risk	NOUN
framr-4076	538	24	:	:	PUNCT
framr-4076	538	25	call	call	VERB
framr-4076	538	26	risk	risk	NOUN
framr-4076	538	27	,	,	PUNCT
framr-4076	538	28	liquidity	liquidity	NOUN
framr-4076	538	29	risk	risk	NOUN
framr-4076	538	30	,	,	PUNCT
framr-4076	538	31	and	and	CCONJ
framr-4076	538	32	credit	credit	NOUN
framr-4076	538	33	risk	risk	NOUN
framr-4076	538	34	.	.	PUNCT
framr-4076	539	1	among	among	ADP
framr-4076	539	2	corporate	corporate	ADJ
framr-4076	539	3	bonds	bond	NOUN
framr-4076	539	4	,	,	PUNCT
framr-4076	539	5	schwab	schwab	NOUN
framr-4076	539	6	intelligent	intelligent	ADJ
framr-4076	539	7	specifically	specifically	ADV
framr-4076	539	8	makes	make	VERB
framr-4076	539	9	investments	investment	NOUN
framr-4076	539	10	in	in	ADP
framr-4076	539	11	high	high	ADJ
framr-4076	539	12	-	-	PUNCT
framr-4076	539	13	yield	yield	NOUN
framr-4076	539	14	bonds	bond	NOUN
framr-4076	539	15	.	.	PUNCT
framr-4076	540	1	high	high	ADJ
framr-4076	540	2	-	-	PUNCT
framr-4076	540	3	yield	yield	NOUN
framr-4076	540	4	bonds	bond	NOUN
framr-4076	540	5	are	be	AUX
framr-4076	540	6	not	not	PART
framr-4076	540	7	often	often	ADV
framr-4076	540	8	traded	trade	VERB
framr-4076	540	9	since	since	SCONJ
framr-4076	540	10	their	their	PRON
framr-4076	540	11	transaction	transaction	NOUN
framr-4076	540	12	costs	cost	NOUN
framr-4076	540	13	are	be	AUX
framr-4076	540	14	greater	great	ADJ
framr-4076	540	15	than	than	ADP
framr-4076	540	16	those	those	PRON
framr-4076	540	17	of	of	ADP
framr-4076	540	18	conventional	conventional	ADJ
framr-4076	540	19	bonds	bond	NOUN
framr-4076	540	20	(	(	PUNCT
framr-4076	540	21	park	park	NOUN
framr-4076	540	22	et	et	PROPN
framr-4076	540	23	al	al	PROPN
framr-4076	540	24	.	.	PROPN
framr-4076	540	25	,	,	PUNCT
framr-4076	540	26	2016	2016	NUM
framr-4076	540	27	)	)	PUNCT
framr-4076	540	28	.	.	PUNCT
framr-4076	541	1	the	the	DET
framr-4076	541	2	registered	register	VERB
framr-4076	541	3	investment	investment	NOUN
framr-4076	541	4	advisors	advisor	NOUN
framr-4076	541	5	(	(	PUNCT
framr-4076	541	6	rias	rias	PROPN
framr-4076	541	7	)	)	PUNCT
framr-4076	541	8	that	that	PRON
framr-4076	541	9	collaborate	collaborate	VERB
framr-4076	541	10	with	with	ADP
framr-4076	541	11	fidelity	fidelity	NOUN
framr-4076	541	12	,	,	PUNCT
framr-4076	541	13	an	an	DET
framr-4076	541	14	american	american	ADJ
framr-4076	541	15	holding	hold	VERB
framr-4076	541	16	company	company	NOUN
framr-4076	541	17	that	that	PRON
framr-4076	541	18	is	be	AUX
framr-4076	541	19	among	among	ADP
framr-4076	541	20	the	the	DET
framr-4076	541	21	biggest	big	ADJ
framr-4076	541	22	asset	asset	NOUN
framr-4076	541	23	management	management	NOUN
framr-4076	541	24	firms	firm	NOUN
framr-4076	541	25	globally	globally	ADV
framr-4076	541	26	,	,	PUNCT
framr-4076	541	27	and	and	CCONJ
framr-4076	541	28	td	td	NOUN
framr-4076	541	29	ameritrade	ameritrade	NOUN
framr-4076	541	30	holding	hold	VERB
framr-4076	541	31	corporation	corporation	NOUN
framr-4076	541	32	,	,	PUNCT
framr-4076	541	33	an	an	DET
framr-4076	541	34	american	american	ADJ
framr-4076	541	35	business	business	NOUN
framr-4076	541	36	that	that	PRON
framr-4076	541	37	established	establish	VERB
framr-4076	541	38	an	an	DET
framr-4076	541	39	electronic	electronic	ADJ
framr-4076	541	40	trading	trading	NOUN
framr-4076	541	41	platform	platform	NOUN
framr-4076	541	42	,	,	PUNCT
framr-4076	541	43	are	be	AUX
framr-4076	541	44	called	call	VERB
framr-4076	541	45	futureadvisor	futureadvisor	NOUN
framr-4076	541	46	.	.	PUNCT
framr-4076	542	1	the	the	DET
framr-4076	542	2	investment	investment	NOUN
framr-4076	542	3	assessment	assessment	NOUN
framr-4076	542	4	tool	tool	NOUN
framr-4076	542	5	provided	provide	VERB
framr-4076	542	6	by	by	ADP
framr-4076	542	7	this	this	DET
framr-4076	542	8	ria	ria	PROPN
framr-4076	542	9	is	be	AUX
framr-4076	542	10	trustworthy	trustworthy	ADJ
framr-4076	542	11	.	.	PUNCT
framr-4076	543	1	users	user	NOUN
framr-4076	543	2	can	can	AUX
framr-4076	543	3	link	link	VERB
framr-4076	543	4	their	their	PRON
framr-4076	543	5	current	current	ADJ
framr-4076	543	6	investment	investment	NOUN
framr-4076	543	7	accounts	account	NOUN
framr-4076	543	8	to	to	ADP
framr-4076	543	9	the	the	DET
framr-4076	543	10	system	system	NOUN
framr-4076	543	11	at	at	ADP
framr-4076	543	12	no	no	DET
framr-4076	543	13	cost	cost	NOUN
framr-4076	543	14	.	.	PUNCT
framr-4076	544	1	based	base	VERB
framr-4076	544	2	on	on	ADP
framr-4076	544	3	productivity	productivity	NOUN
framr-4076	544	4	,	,	PUNCT
framr-4076	544	5	diversification	diversification	NOUN
framr-4076	544	6	of	of	ADP
framr-4076	544	7	operations	operation	NOUN
framr-4076	544	8	,	,	PUNCT
framr-4076	544	9	compensation	compensation	NOUN
framr-4076	544	10	,	,	PUNCT
framr-4076	544	11	and	and	CCONJ
framr-4076	544	12	taxes	taxis	NOUN
framr-4076	544	13	,	,	PUNCT
framr-4076	544	14	it	it	PRON
framr-4076	544	15	evaluates	evaluate	VERB
framr-4076	544	16	the	the	DET
framr-4076	544	17	viability	viability	NOUN
framr-4076	544	18	of	of	ADP
framr-4076	544	19	investments	investment	NOUN
framr-4076	544	20	.	.	PUNCT
framr-4076	545	1	additionally	additionally	ADV
framr-4076	545	2	,	,	PUNCT
framr-4076	545	3	advice	advice	NOUN
framr-4076	545	4	on	on	ADP
framr-4076	545	5	modifying	modify	VERB
framr-4076	545	6	the	the	DET
framr-4076	545	7	investor	investor	NOUN
framr-4076	545	8	's	's	PART
framr-4076	545	9	allocation	allocation	NOUN
framr-4076	545	10	of	of	ADP
framr-4076	545	11	assets	asset	NOUN
framr-4076	545	12	may	may	AUX
framr-4076	545	13	be	be	AUX
framr-4076	545	14	offered	offer	VERB
framr-4076	545	15	by	by	ADP
framr-4076	545	16	this	this	DET
framr-4076	545	17	product	product	NOUN
framr-4076	545	18	.	.	PUNCT
framr-4076	546	1	5.6	5.6	NUM
framr-4076	546	2	.	.	X
framr-4076	546	3	peer	peer	NOUN
framr-4076	546	4	-	-	PUNCT
framr-4076	546	5	to	to	ADP
framr-4076	546	6	-	-	PUNCT
framr-4076	546	7	peer	peer	NOUN
framr-4076	546	8	lending	lending	NOUN
framr-4076	546	9	platforms	platform	NOUN
framr-4076	546	10	and	and	CCONJ
framr-4076	546	11	environmental	environmental	ADJ
framr-4076	546	12	impact	impact	NOUN
framr-4076	546	13	the	the	DET
framr-4076	546	14	platform	platform	NOUN
framr-4076	546	15	often	often	ADV
framr-4076	546	16	acts	act	VERB
framr-4076	546	17	as	as	ADP
framr-4076	546	18	a	a	DET
framr-4076	546	19	middleman	middleman	NOUN
framr-4076	546	20	between	between	ADP
framr-4076	546	21	the	the	DET
framr-4076	546	22	customer	customer	NOUN
framr-4076	546	23	and	and	CCONJ
framr-4076	546	24	the	the	DET
framr-4076	546	25	business	business	NOUN
framr-4076	546	26	owner	owner	NOUN
framr-4076	546	27	,	,	PUNCT
framr-4076	546	28	charging	charge	VERB
framr-4076	546	29	a	a	DET
framr-4076	546	30	commission	commission	NOUN
framr-4076	546	31	to	to	ADP
framr-4076	546	32	one	one	NUM
framr-4076	546	33	or	or	CCONJ
framr-4076	546	34	both	both	PRON
framr-4076	546	35	trading	trading	NOUN
framr-4076	546	36	parties	party	NOUN
framr-4076	546	37	.	.	PUNCT
framr-4076	547	1	when	when	SCONJ
framr-4076	547	2	it	it	PRON
framr-4076	547	3	comes	come	VERB
framr-4076	547	4	to	to	ADP
framr-4076	547	5	peer	peer	NOUN
framr-4076	547	6	-	-	PUNCT
framr-4076	547	7	to	to	ADP
framr-4076	547	8	-	-	PUNCT
framr-4076	547	9	peer	peer	NOUN
framr-4076	547	10	lodging	lodging	NOUN
framr-4076	547	11	,	,	PUNCT
framr-4076	547	12	for	for	ADP
framr-4076	547	13	instance	instance	NOUN
framr-4076	547	14	,	,	PUNCT
framr-4076	547	15	platforms	platform	NOUN
framr-4076	547	16	such	such	ADJ
framr-4076	547	17	as	as	ADP
framr-4076	547	18	airbnb	airbnb	PROPN
framr-4076	547	19	and	and	CCONJ
framr-4076	547	20	vacation	vacation	NOUN
framr-4076	547	21	rentals	rental	NOUN
framr-4076	547	22	by	by	ADP
framr-4076	547	23	owner	owner	NOUN
framr-4076	547	24	(	(	PUNCT
framr-4076	547	25	vrbo	vrbo	NOUN
framr-4076	547	26	)	)	PUNCT
framr-4076	547	27	exist	exist	VERB
framr-4076	547	28	;	;	PUNCT
framr-4076	547	29	individuals	individual	NOUN
framr-4076	547	30	who	who	PRON
framr-4076	547	31	offer	offer	VERB
framr-4076	547	32	their	their	PRON
framr-4076	547	33	homes	home	NOUN
framr-4076	547	34	for	for	ADP
framr-4076	547	35	short	short	ADJ
framr-4076	547	36	-	-	PUNCT
framr-4076	547	37	term	term	NOUN
framr-4076	547	38	rentals	rental	NOUN
framr-4076	547	39	are	be	AUX
framr-4076	547	40	known	know	VERB
framr-4076	547	41	as	as	ADP
framr-4076	547	42	entrepreneurs	entrepreneur	NOUN
framr-4076	547	43	,	,	PUNCT
framr-4076	547	44	and	and	CCONJ
framr-4076	547	45	those	those	PRON
framr-4076	547	46	who	who	PRON
framr-4076	547	47	rent	rent	VERB
framr-4076	547	48	from	from	ADP
framr-4076	547	49	them	they	PRON
framr-4076	547	50	are	be	AUX
framr-4076	547	51	known	know	VERB
framr-4076	547	52	as	as	ADP
framr-4076	547	53	consumers	consumer	NOUN
framr-4076	547	54	.	.	PUNCT
framr-4076	548	1	when	when	SCONJ
framr-4076	548	2	it	it	PRON
framr-4076	548	3	comes	come	VERB
framr-4076	548	4	to	to	ADP
framr-4076	548	5	peer	peer	NOUN
framr-4076	548	6	-	-	PUNCT
framr-4076	548	7	to	to	ADP
framr-4076	548	8	-	-	PUNCT
framr-4076	548	9	peer	peer	NOUN
framr-4076	548	10	car	car	NOUN
framr-4076	548	11	rentals	rental	NOUN
framr-4076	548	12	,	,	PUNCT
framr-4076	548	13	getaround	getaround	NOUN
framr-4076	548	14	and	and	CCONJ
framr-4076	548	15	relayrides	relayride	NOUN
framr-4076	548	16	are	be	AUX
framr-4076	548	17	platforms	platform	NOUN
framr-4076	548	18	;	;	PUNCT
framr-4076	548	19	entrepreneurs	entrepreneur	NOUN
framr-4076	548	20	are	be	AUX
framr-4076	548	21	those	those	PRON
framr-4076	548	22	who	who	PRON
framr-4076	548	23	offer	offer	VERB
framr-4076	548	24	their	their	PRON
framr-4076	548	25	vehicles	vehicle	NOUN
framr-4076	548	26	for	for	ADP
framr-4076	548	27	short	short	ADJ
framr-4076	548	28	-	-	PUNCT
framr-4076	548	29	term	term	NOUN
framr-4076	548	30	rentals	rental	NOUN
framr-4076	548	31	,	,	PUNCT
framr-4076	548	32	and	and	CCONJ
framr-4076	548	33	consumers	consumer	NOUN
framr-4076	548	34	are	be	AUX
framr-4076	548	35	those	those	PRON
framr-4076	548	36	who	who	PRON
framr-4076	548	37	rent	rent	VERB
framr-4076	548	38	from	from	ADP
framr-4076	548	39	these	these	DET
framr-4076	548	40	entrepreneurs	entrepreneur	NOUN
framr-4076	548	41	.	.	PUNCT
framr-4076	549	1	new	new	ADJ
framr-4076	549	2	methods	method	NOUN
framr-4076	549	3	of	of	ADP
framr-4076	549	4	offering	offer	VERB
framr-4076	549	5	recognisable	recognisable	ADJ
framr-4076	549	6	,	,	PUNCT
framr-4076	549	7	"	"	PUNCT
framr-4076	549	8	real	real	ADJ
framr-4076	549	9	world	world	NOUN
framr-4076	549	10	"	"	PUNCT
framr-4076	549	11	services	service	NOUN
framr-4076	549	12	,	,	PUNCT
framr-4076	549	13	such	such	ADJ
framr-4076	549	14	as	as	ADP
framr-4076	549	15	short	short	ADJ
framr-4076	549	16	-	-	PUNCT
framr-4076	549	17	term	term	NOUN
framr-4076	549	18	lodging	lodging	NOUN
framr-4076	549	19	(	(	PUNCT
framr-4076	549	20	airbnb	airbnb	PROPN
framr-4076	549	21	,	,	PUNCT
framr-4076	549	22	couchsurfing	couchsurfing	NOUN
framr-4076	549	23	)	)	PUNCT
framr-4076	549	24	,	,	PUNCT
framr-4076	549	25	urban	urban	ADJ
framr-4076	549	26	transportation	transportation	NOUN
framr-4076	549	27	(	(	PUNCT
framr-4076	549	28	lyft	lyft	NOUN
framr-4076	549	29	,	,	PUNCT
framr-4076	549	30	sidecar	sidecar	NOUN
framr-4076	549	31	,	,	PUNCT
framr-4076	549	32	uber	uber	NOUN
framr-4076	549	33	)	)	PUNCT
framr-4076	549	34	,	,	PUNCT
framr-4076	549	35	and	and	CCONJ
framr-4076	549	36	financial	financial	ADJ
framr-4076	549	37	risk	risk	NOUN
framr-4076	549	38	and	and	CCONJ
framr-4076	549	39	management	management	NOUN
framr-4076	549	40	reviews	review	NOUN
framr-4076	549	41	,	,	PUNCT
framr-4076	549	42	2025	2025	NUM
framr-4076	549	43	,	,	PUNCT
framr-4076	549	44	11(1	11(1	NUM
framr-4076	549	45	):	):	PUNCT
framr-4076	549	46	37	37	NUM
framr-4076	549	47	-	-	SYM
framr-4076	549	48	71	71	NUM
framr-4076	549	49	57	57	NUM
framr-4076	549	50	©	©	PROPN
framr-4076	549	51	2025	2025	NUM
framr-4076	549	52	conscientia	conscientia	PROPN
framr-4076	549	53	beam	beam	PROPN
framr-4076	549	54	.	.	PUNCT
framr-4076	550	1	all	all	DET
framr-4076	550	2	rights	right	NOUN
framr-4076	550	3	reserved	reserve	VERB
framr-4076	550	4	.	.	PUNCT
framr-4076	551	1	venture	venture	NOUN
framr-4076	551	2	capital	capital	NOUN
framr-4076	551	3	(	(	PUNCT
framr-4076	551	4	indiegogo	indiegogo	PROPN
framr-4076	551	5	,	,	PUNCT
framr-4076	551	6	kickstarter	kickstarter	PROPN
framr-4076	551	7	,	,	PUNCT
framr-4076	551	8	rockethub	rockethub	PROPN
framr-4076	551	9	)	)	PUNCT
framr-4076	551	10	,	,	PUNCT
framr-4076	551	11	are	be	AUX
framr-4076	551	12	commonly	commonly	ADV
framr-4076	551	13	included	include	VERB
framr-4076	551	14	in	in	ADP
framr-4076	551	15	the	the	DET
framr-4076	551	16	emerging	emerge	VERB
framr-4076	551	17	peer	peer	NOUN
framr-4076	551	18	-	-	PUNCT
framr-4076	551	19	to	to	ADP
framr-4076	551	20	-	-	PUNCT
framr-4076	551	21	peer	peer	NOUN
framr-4076	551	22	enterprises	enterprise	NOUN
framr-4076	551	23	(	(	PUNCT
framr-4076	551	24	sundararajan	sundararajan	NOUN
framr-4076	551	25	,	,	PUNCT
framr-4076	551	26	2014	2014	NUM
framr-4076	551	27	)	)	PUNCT
framr-4076	551	28	.	.	PUNCT
framr-4076	552	1	the	the	DET
framr-4076	552	2	founding	founding	NOUN
framr-4076	552	3	of	of	ADP
framr-4076	552	4	two	two	NUM
framr-4076	552	5	businesses	business	NOUN
framr-4076	552	6	—	—	PUNCT
framr-4076	552	7	the	the	DET
framr-4076	552	8	us	us	PROPN
framr-4076	552	9	-	-	PUNCT
framr-4076	552	10	based	base	VERB
framr-4076	552	11	prosper	prosper	NOUN
framr-4076	552	12	in	in	ADP
framr-4076	552	13	2006	2006	NUM
framr-4076	552	14	and	and	CCONJ
framr-4076	552	15	the	the	DET
framr-4076	552	16	ukbased	ukbased	ADJ
framr-4076	552	17	zopa	zopa	NOUN
framr-4076	552	18	in	in	ADP
framr-4076	552	19	2005	2005	NUM
framr-4076	552	20	—	—	PUNCT
framr-4076	552	21	is	be	AUX
framr-4076	552	22	when	when	SCONJ
framr-4076	552	23	p2p	p2p	NOUN
framr-4076	552	24	in	in	ADP
framr-4076	552	25	finance	finance	NOUN
framr-4076	552	26	first	first	ADV
framr-4076	552	27	emerged	emerge	VERB
framr-4076	552	28	.	.	PUNCT
framr-4076	553	1	both	both	PRON
framr-4076	553	2	made	make	VERB
framr-4076	553	3	peer	peer	NOUN
framr-4076	553	4	-	-	PUNCT
framr-4076	553	5	to	to	ADP
framr-4076	553	6	-	-	PUNCT
framr-4076	553	7	peer	peer	NOUN
framr-4076	553	8	lending	lending	NOUN
framr-4076	553	9	possible	possible	ADJ
framr-4076	553	10	,	,	PUNCT
framr-4076	553	11	allowing	allow	VERB
framr-4076	553	12	lenders	lender	NOUN
framr-4076	553	13	and	and	CCONJ
framr-4076	553	14	borrowers	borrower	NOUN
framr-4076	553	15	to	to	PART
framr-4076	553	16	transact	transact	VERB
framr-4076	553	17	with	with	ADP
framr-4076	553	18	one	one	NOUN
framr-4076	553	19	another	another	DET
framr-4076	553	20	directly	directly	ADV
framr-4076	553	21	through	through	ADP
framr-4076	553	22	a	a	DET
framr-4076	553	23	central	central	ADJ
framr-4076	553	24	marketplace	marketplace	NOUN
framr-4076	553	25	instead	instead	ADV
framr-4076	553	26	of	of	ADP
framr-4076	553	27	going	go	VERB
framr-4076	553	28	through	through	ADP
framr-4076	553	29	banks	bank	NOUN
framr-4076	553	30	.	.	PUNCT
framr-4076	554	1	"	"	PUNCT
framr-4076	554	2	ebay	ebay	NOUN
framr-4076	554	3	for	for	ADP
framr-4076	554	4	credit	credit	NOUN
framr-4076	554	5	"	"	PUNCT
framr-4076	554	6	is	be	AUX
framr-4076	554	7	how	how	SCONJ
framr-4076	554	8	prosper	prosper	VERB
framr-4076	554	9	's	's	PART
framr-4076	554	10	co	co	NOUN
framr-4076	554	11	-	-	NOUN
framr-4076	554	12	founder	founder	NOUN
framr-4076	554	13	chris	chris	PROPN
framr-4076	554	14	larsen	larsen	PROPN
framr-4076	554	15	referred	refer	VERB
framr-4076	554	16	to	to	ADP
framr-4076	554	17	his	his	PRON
framr-4076	554	18	company	company	NOUN
framr-4076	554	19	's	's	PART
framr-4076	554	20	product	product	NOUN
framr-4076	554	21	(	(	PUNCT
framr-4076	554	22	milne	milne	PROPN
framr-4076	554	23	&	&	CCONJ
framr-4076	554	24	parboteeah	parboteeah	PROPN
framr-4076	554	25	,	,	PUNCT
framr-4076	554	26	2016	2016	NUM
framr-4076	554	27	)	)	PUNCT
framr-4076	554	28	.	.	PUNCT
framr-4076	555	1	the	the	DET
framr-4076	555	2	amount	amount	NOUN
framr-4076	555	3	and	and	CCONJ
framr-4076	555	4	distribution	distribution	NOUN
framr-4076	555	5	of	of	ADP
framr-4076	555	6	the	the	DET
framr-4076	555	7	investors	investor	NOUN
framr-4076	555	8	'	'	PART
framr-4076	555	9	capital	capital	NOUN
framr-4076	555	10	in	in	ADP
framr-4076	555	11	the	the	DET
framr-4076	555	12	platform	platform	NOUN
framr-4076	555	13	are	be	AUX
framr-4076	555	14	essentially	essentially	ADV
framr-4076	555	15	determined	determine	VERB
framr-4076	555	16	by	by	ADP
framr-4076	555	17	them	they	PRON
framr-4076	555	18	.	.	PUNCT
framr-4076	556	1	in	in	ADP
framr-4076	556	2	australia	australia	PROPN
framr-4076	556	3	,	,	PUNCT
framr-4076	556	4	the	the	DET
framr-4076	556	5	lender	lender	NOUN
framr-4076	556	6	often	often	ADV
framr-4076	556	7	determines	determine	VERB
framr-4076	556	8	other	other	ADJ
framr-4076	556	9	factors	factor	NOUN
framr-4076	556	10	such	such	ADJ
framr-4076	556	11	as	as	ADP
framr-4076	556	12	the	the	DET
framr-4076	556	13	amount	amount	NOUN
framr-4076	556	14	and	and	CCONJ
framr-4076	556	15	interest	interest	NOUN
framr-4076	556	16	rate	rate	NOUN
framr-4076	556	17	to	to	PART
framr-4076	556	18	invest	invest	VERB
framr-4076	556	19	in	in	ADP
framr-4076	556	20	rather	rather	ADV
framr-4076	556	21	than	than	ADP
framr-4076	556	22	the	the	DET
framr-4076	556	23	particular	particular	ADJ
framr-4076	556	24	loans	loan	NOUN
framr-4076	556	25	.	.	PUNCT
framr-4076	557	1	after	after	ADP
framr-4076	557	2	that	that	PRON
framr-4076	557	3	,	,	PUNCT
framr-4076	557	4	the	the	DET
framr-4076	557	5	platform	platform	NOUN
framr-4076	557	6	functions	function	NOUN
framr-4076	557	7	as	as	ADP
framr-4076	557	8	a	a	DET
framr-4076	557	9	matchmaker	matchmaker	NOUN
framr-4076	557	10	by	by	ADP
framr-4076	557	11	matching	match	VERB
framr-4076	557	12	the	the	DET
framr-4076	557	13	money	money	NOUN
framr-4076	557	14	with	with	ADP
framr-4076	557	15	a	a	DET
framr-4076	557	16	borrower	borrower	NOUN
framr-4076	557	17	.	.	PUNCT
framr-4076	558	1	there	there	PRON
framr-4076	558	2	is	be	VERB
framr-4076	558	3	some	some	DET
framr-4076	558	4	variation	variation	NOUN
framr-4076	558	5	in	in	ADP
framr-4076	558	6	this	this	DET
framr-4076	558	7	business	business	NOUN
framr-4076	558	8	model	model	NOUN
framr-4076	558	9	based	base	VERB
framr-4076	558	10	on	on	ADP
framr-4076	558	11	the	the	DET
framr-4076	558	12	degree	degree	NOUN
framr-4076	558	13	of	of	ADP
framr-4076	558	14	freedom	freedom	NOUN
framr-4076	558	15	provided	provide	VERB
framr-4076	558	16	to	to	ADP
framr-4076	558	17	lenders	lender	NOUN
framr-4076	558	18	.	.	PUNCT
framr-4076	559	1	for	for	ADP
framr-4076	559	2	example	example	NOUN
framr-4076	559	3	,	,	PUNCT
framr-4076	559	4	ratesetter	ratesetter	PROPN
framr-4076	559	5	australia	australia	PROPN
framr-4076	559	6	requests	request	VERB
framr-4076	559	7	the	the	DET
framr-4076	559	8	investment	investment	NOUN
framr-4076	559	9	amount	amount	NOUN
framr-4076	559	10	,	,	PUNCT
framr-4076	559	11	length	length	NOUN
framr-4076	559	12	of	of	ADP
framr-4076	559	13	holding	holding	NOUN
framr-4076	559	14	,	,	PUNCT
framr-4076	559	15	and	and	CCONJ
framr-4076	559	16	preferred	preferred	ADJ
framr-4076	559	17	interest	interest	NOUN
framr-4076	559	18	rate	rate	NOUN
framr-4076	559	19	when	when	SCONJ
framr-4076	559	20	offering	offer	VERB
framr-4076	559	21	loans	loan	NOUN
framr-4076	559	22	in	in	ADP
framr-4076	559	23	the	the	DET
framr-4076	559	24	green	green	ADJ
framr-4076	559	25	loan	loan	NOUN
framr-4076	559	26	lending	lending	NOUN
framr-4076	559	27	market	market	NOUN
framr-4076	559	28	,	,	PUNCT
framr-4076	559	29	which	which	PRON
framr-4076	559	30	covers	cover	VERB
framr-4076	559	31	loans	loan	NOUN
framr-4076	559	32	for	for	ADP
framr-4076	559	33	renewable	renewable	ADJ
framr-4076	559	34	energy	energy	NOUN
framr-4076	559	35	(	(	PUNCT
framr-4076	559	36	lejcak	lejcak	NOUN
framr-4076	559	37	&	&	CCONJ
framr-4076	559	38	wiltshire	wiltshire	PROPN
framr-4076	559	39	,	,	PUNCT
framr-4076	559	40	2016	2016	NUM
framr-4076	559	41	)	)	PUNCT
framr-4076	559	42	.	.	PUNCT
framr-4076	560	1	the	the	DET
framr-4076	560	2	top	top	ADJ
framr-4076	560	3	peer	peer	NOUN
framr-4076	560	4	-	-	PUNCT
framr-4076	560	5	to	to	ADP
framr-4076	560	6	-	-	PUNCT
framr-4076	560	7	peer	peer	NOUN
framr-4076	560	8	lending	lending	NOUN
framr-4076	560	9	platform	platform	NOUN
framr-4076	560	10	in	in	ADP
framr-4076	560	11	europe	europe	PROPN
framr-4076	560	12	for	for	ADP
framr-4076	560	13	investing	invest	VERB
framr-4076	560	14	in	in	ADP
framr-4076	560	15	different	different	ADJ
framr-4076	560	16	kinds	kind	NOUN
framr-4076	560	17	of	of	ADP
framr-4076	560	18	loans	loan	NOUN
framr-4076	560	19	is	be	AUX
framr-4076	560	20	called	call	VERB
framr-4076	560	21	mintos	mintos	ADJ
framr-4076	560	22	.	.	PUNCT
framr-4076	561	1	the	the	DET
framr-4076	561	2	platform	platform	NOUN
framr-4076	561	3	's	's	PART
framr-4076	561	4	funding	funding	NOUN
framr-4076	561	5	volume	volume	NOUN
framr-4076	561	6	in	in	ADP
framr-4076	561	7	the	the	DET
framr-4076	561	8	past	past	NOUN
framr-4076	561	9	has	have	AUX
framr-4076	561	10	been	be	AUX
framr-4076	561	11	€	€	SYM
framr-4076	561	12	9.5	9.5	NUM
framr-4076	561	13	billion	billion	NUM
framr-4076	561	14	,	,	PUNCT
framr-4076	561	15	and	and	CCONJ
framr-4076	561	16	as	as	ADP
framr-4076	561	17	of	of	ADP
framr-4076	561	18	november	november	PROPN
framr-4076	561	19	2023	2023	NUM
framr-4076	561	20	,	,	PUNCT
framr-4076	561	21	there	there	PRON
framr-4076	561	22	were	be	VERB
framr-4076	561	23	400	400	NUM
framr-4076	561	24	million	million	NUM
framr-4076	561	25	euros	euro	NOUN
framr-4076	561	26	in	in	ADP
framr-4076	561	27	outstanding	outstanding	ADJ
framr-4076	561	28	loans	loan	NOUN
framr-4076	561	29	.	.	PUNCT
framr-4076	562	1	in	in	ADP
framr-4076	562	2	this	this	DET
framr-4076	562	3	scenario	scenario	NOUN
framr-4076	562	4	,	,	PUNCT
framr-4076	562	5	mintos	mintos	PROPN
framr-4076	562	6	serves	serve	VERB
framr-4076	562	7	as	as	ADP
framr-4076	562	8	the	the	DET
framr-4076	562	9	technological	technological	ADJ
framr-4076	562	10	middleman	middleman	NOUN
framr-4076	562	11	,	,	PUNCT
framr-4076	562	12	providing	provide	VERB
framr-4076	562	13	a	a	DET
framr-4076	562	14	marketplace	marketplace	NOUN
framr-4076	562	15	platform	platform	NOUN
framr-4076	562	16	to	to	PART
framr-4076	562	17	create	create	VERB
framr-4076	562	18	bilateral	bilateral	ADJ
framr-4076	562	19	network	network	NOUN
framr-4076	562	20	effects	effect	NOUN
framr-4076	562	21	.	.	PUNCT
framr-4076	563	1	lending	lending	NOUN
framr-4076	563	2	institutions	institution	NOUN
framr-4076	563	3	that	that	PRON
framr-4076	563	4	collaborate	collaborate	VERB
framr-4076	563	5	with	with	ADP
framr-4076	563	6	the	the	DET
framr-4076	563	7	platform	platform	NOUN
framr-4076	563	8	represent	represent	VERB
framr-4076	563	9	one	one	NUM
framr-4076	563	10	side	side	NOUN
framr-4076	563	11	,	,	PUNCT
framr-4076	563	12	while	while	SCONJ
framr-4076	563	13	investors	investor	NOUN
framr-4076	563	14	who	who	PRON
framr-4076	563	15	are	be	AUX
framr-4076	563	16	prepared	prepared	ADJ
framr-4076	563	17	to	to	PART
framr-4076	563	18	put	put	VERB
framr-4076	563	19	money	money	NOUN
framr-4076	563	20	into	into	ADP
framr-4076	563	21	the	the	DET
framr-4076	563	22	suggested	suggest	VERB
framr-4076	563	23	loan	loan	NOUN
framr-4076	563	24	options	option	NOUN
framr-4076	563	25	represent	represent	VERB
framr-4076	563	26	the	the	DET
framr-4076	563	27	other	other	ADJ
framr-4076	563	28	.	.	PUNCT
framr-4076	564	1	lending	lending	NOUN
framr-4076	564	2	businesses	business	NOUN
framr-4076	564	3	manage	manage	VERB
framr-4076	564	4	loan	loan	NOUN
framr-4076	564	5	origination	origination	NOUN
framr-4076	564	6	and	and	CCONJ
framr-4076	564	7	debt	debt	NOUN
framr-4076	564	8	collection	collection	NOUN
framr-4076	564	9	;	;	PUNCT
framr-4076	564	10	mintos	mintos	PROPN
framr-4076	564	11	does	do	AUX
framr-4076	564	12	not	not	PART
framr-4076	564	13	provide	provide	VERB
framr-4076	564	14	loans	loan	NOUN
framr-4076	564	15	to	to	ADP
framr-4076	564	16	borrowers	borrower	NOUN
framr-4076	564	17	(	(	PUNCT
framr-4076	564	18	manavoglu	manavoglu	NOUN
framr-4076	564	19	,	,	PUNCT
framr-4076	564	20	2023	2023	NUM
framr-4076	564	21	)	)	PUNCT
framr-4076	564	22	.	.	PUNCT
framr-4076	565	1	5.7	5.7	NUM
framr-4076	565	2	.	.	PUNCT
framr-4076	566	1	crowdfunding	crowdfunde	VERB
framr-4076	566	2	platforms	platform	NOUN
framr-4076	566	3	and	and	CCONJ
framr-4076	566	4	green	green	ADJ
framr-4076	566	5	initiatives	initiative	NOUN
framr-4076	566	6	crowdfunding	crowdfunding	NOUN
framr-4076	566	7	platforms	platform	NOUN
framr-4076	566	8	,	,	PUNCT
framr-4076	566	9	like	like	ADP
framr-4076	566	10	kickstarter	kickstarter	NOUN
framr-4076	566	11	and	and	CCONJ
framr-4076	566	12	indiegogo	indiegogo	PROPN
framr-4076	566	13	,	,	PUNCT
framr-4076	566	14	allow	allow	VERB
framr-4076	566	15	businesses	business	NOUN
framr-4076	566	16	to	to	PART
framr-4076	566	17	directly	directly	ADV
framr-4076	566	18	appeal	appeal	VERB
framr-4076	566	19	to	to	ADP
framr-4076	566	20	a	a	DET
framr-4076	566	21	vast	vast	ADJ
framr-4076	566	22	number	number	NOUN
framr-4076	566	23	of	of	ADP
framr-4076	566	24	potential	potential	ADJ
framr-4076	566	25	investors	investor	NOUN
framr-4076	566	26	,	,	PUNCT
framr-4076	566	27	many	many	ADJ
framr-4076	566	28	of	of	ADP
framr-4076	566	29	whom	whom	PRON
framr-4076	566	30	are	be	AUX
framr-4076	566	31	avid	avid	ADJ
framr-4076	566	32	tourists	tourist	NOUN
framr-4076	566	33	and	and	CCONJ
framr-4076	566	34	locals	local	NOUN
framr-4076	566	35	,	,	PUNCT
framr-4076	566	36	therefore	therefore	ADV
framr-4076	566	37	increasing	increase	VERB
framr-4076	566	38	access	access	NOUN
framr-4076	566	39	to	to	ADP
framr-4076	566	40	finance	finance	NOUN
framr-4076	566	41	for	for	ADP
framr-4076	566	42	a	a	DET
framr-4076	566	43	wider	wide	ADJ
framr-4076	566	44	spectrum	spectrum	NOUN
framr-4076	566	45	of	of	ADP
framr-4076	566	46	individuals	individual	NOUN
framr-4076	566	47	.	.	PUNCT
framr-4076	567	1	involvement	involvement	NOUN
framr-4076	567	2	in	in	ADP
framr-4076	567	3	the	the	DET
framr-4076	567	4	community	community	NOUN
framr-4076	567	5	and	and	CCONJ
framr-4076	567	6	shared	share	VERB
framr-4076	567	7	ownership	ownership	NOUN
framr-4076	567	8	are	be	AUX
framr-4076	567	9	encouraged	encourage	VERB
framr-4076	567	10	,	,	PUNCT
framr-4076	567	11	which	which	PRON
framr-4076	567	12	might	might	AUX
framr-4076	567	13	boost	boost	VERB
framr-4076	567	14	customer	customer	NOUN
framr-4076	567	15	loyalty	loyalty	NOUN
framr-4076	567	16	and	and	CCONJ
framr-4076	567	17	brand	brand	NOUN
framr-4076	567	18	support	support	NOUN
framr-4076	567	19	(	(	PUNCT
framr-4076	567	20	baber	baber	PROPN
framr-4076	567	21	,	,	PUNCT
framr-4076	567	22	kaluvilla	kaluvilla	PROPN
framr-4076	567	23	,	,	PUNCT
framr-4076	567	24	&	&	CCONJ
framr-4076	567	25	ramkissoon	ramkissoon	NOUN
framr-4076	567	26	,	,	PUNCT
framr-4076	567	27	2024	2024	NUM
framr-4076	567	28	)	)	PUNCT
framr-4076	567	29	.	.	PUNCT
framr-4076	568	1	because	because	SCONJ
framr-4076	568	2	crowdfunders	crowdfunder	NOUN
framr-4076	568	3	that	that	PRON
framr-4076	568	4	employ	employ	VERB
framr-4076	568	5	a	a	DET
framr-4076	568	6	keep	keep	VERB
framr-4076	568	7	-	-	PUNCT
framr-4076	568	8	it	it	PRON
framr-4076	568	9	-	-	PUNCT
framr-4076	568	10	all	all	PRON
framr-4076	568	11	financing	financing	NOUN
framr-4076	568	12	model	model	NOUN
framr-4076	568	13	can	can	AUX
framr-4076	568	14	keep	keep	VERB
framr-4076	568	15	all	all	DET
framr-4076	568	16	contributions	contribution	NOUN
framr-4076	568	17	from	from	ADP
framr-4076	568	18	the	the	DET
framr-4076	568	19	crowd	crowd	NOUN
framr-4076	568	20	,	,	PUNCT
framr-4076	568	21	regardless	regardless	ADV
framr-4076	568	22	of	of	ADP
framr-4076	568	23	the	the	DET
framr-4076	568	24	campaign	campaign	NOUN
framr-4076	568	25	's	's	PART
framr-4076	568	26	outcome	outcome	NOUN
framr-4076	568	27	,	,	PUNCT
framr-4076	568	28	the	the	DET
framr-4076	568	29	indiegogo	indiegogo	PROPN
framr-4076	568	30	platform	platform	NOUN
framr-4076	568	31	symbolises	symbolise	VERB
framr-4076	568	32	a	a	DET
framr-4076	568	33	signalling	signal	VERB
framr-4076	568	34	environment	environment	NOUN
framr-4076	568	35	with	with	ADP
framr-4076	568	36	greater	great	ADJ
framr-4076	568	37	uncertainty	uncertainty	NOUN
framr-4076	568	38	.	.	PUNCT
framr-4076	569	1	since	since	SCONJ
framr-4076	569	2	donations	donation	NOUN
framr-4076	569	3	to	to	PART
framr-4076	569	4	indiegogo	indiegogo	VERB
framr-4076	569	5	projects	project	NOUN
framr-4076	569	6	go	go	VERB
framr-4076	569	7	to	to	ADP
framr-4076	569	8	entrepreneurs	entrepreneur	NOUN
framr-4076	569	9	even	even	ADV
framr-4076	569	10	if	if	SCONJ
framr-4076	569	11	they	they	PRON
framr-4076	569	12	are	be	AUX
framr-4076	569	13	underfunded	underfunded	ADJ
framr-4076	569	14	,	,	PUNCT
framr-4076	569	15	the	the	DET
framr-4076	569	16	public	public	NOUN
framr-4076	569	17	may	may	AUX
framr-4076	569	18	view	view	VERB
framr-4076	569	19	these	these	DET
framr-4076	569	20	initiatives	initiative	NOUN
framr-4076	569	21	as	as	ADP
framr-4076	569	22	riskier	risky	ADJ
framr-4076	569	23	because	because	SCONJ
framr-4076	569	24	of	of	ADP
framr-4076	569	25	the	the	DET
framr-4076	569	26	increased	increase	VERB
framr-4076	569	27	likelihood	likelihood	NOUN
framr-4076	569	28	that	that	SCONJ
framr-4076	569	29	the	the	DET
framr-4076	569	30	project	project	NOUN
framr-4076	569	31	would	would	AUX
framr-4076	569	32	not	not	PART
framr-4076	569	33	be	be	AUX
framr-4076	569	34	completed	complete	VERB
framr-4076	569	35	.	.	PUNCT
framr-4076	570	1	because	because	SCONJ
framr-4076	570	2	donations	donation	NOUN
framr-4076	570	3	are	be	AUX
framr-4076	570	4	only	only	ADV
framr-4076	570	5	given	give	VERB
framr-4076	570	6	to	to	ADP
framr-4076	570	7	entrepreneurs	entrepreneur	NOUN
framr-4076	570	8	if	if	SCONJ
framr-4076	570	9	they	they	PRON
framr-4076	570	10	reach	reach	VERB
framr-4076	570	11	their	their	PRON
framr-4076	570	12	fundraising	fundraising	NOUN
framr-4076	570	13	goals	goal	NOUN
framr-4076	570	14	,	,	PUNCT
framr-4076	570	15	the	the	DET
framr-4076	570	16	kickstarter	kickstarter	PROPN
framr-4076	570	17	platform	platform	NOUN
framr-4076	570	18	creates	create	VERB
framr-4076	570	19	a	a	DET
framr-4076	570	20	signalling	signal	VERB
framr-4076	570	21	environment	environment	NOUN
framr-4076	570	22	with	with	ADP
framr-4076	570	23	less	less	ADJ
framr-4076	570	24	ambiguity	ambiguity	NOUN
framr-4076	570	25	(	(	PUNCT
framr-4076	570	26	huang	huang	PROPN
framr-4076	570	27	,	,	PUNCT
framr-4076	570	28	pickernell	pickernell	PROPN
framr-4076	570	29	,	,	PUNCT
framr-4076	570	30	battisti	battisti	PROPN
framr-4076	570	31	,	,	PUNCT
framr-4076	570	32	&	&	CCONJ
framr-4076	570	33	nguyen	nguyen	PROPN
framr-4076	570	34	,	,	PUNCT
framr-4076	570	35	2022	2022	NUM
framr-4076	570	36	)	)	PUNCT
framr-4076	570	37	.	.	PUNCT
framr-4076	571	1	gofundme	gofundme	PROPN
framr-4076	571	2	projects	project	NOUN
framr-4076	571	3	span	span	VERB
framr-4076	571	4	a	a	DET
framr-4076	571	5	wide	wide	ADJ
framr-4076	571	6	range	range	NOUN
framr-4076	571	7	of	of	ADP
framr-4076	571	8	topics	topic	NOUN
framr-4076	571	9	,	,	PUNCT
framr-4076	571	10	but	but	CCONJ
framr-4076	571	11	the	the	DET
framr-4076	571	12	largest	large	ADJ
framr-4076	571	13	category	category	NOUN
framr-4076	571	14	,	,	PUNCT
framr-4076	571	15	and	and	CCONJ
framr-4076	571	16	one	one	NUM
framr-4076	571	17	-	-	PUNCT
framr-4076	571	18	third	third	NOUN
framr-4076	571	19	of	of	ADP
framr-4076	571	20	all	all	DET
framr-4076	571	21	funds	fund	NOUN
framr-4076	571	22	donated	donate	VERB
framr-4076	571	23	on	on	ADP
framr-4076	571	24	the	the	DET
framr-4076	571	25	platform	platform	NOUN
framr-4076	571	26	in	in	ADP
framr-4076	571	27	2017	2017	NUM
framr-4076	571	28	,	,	PUNCT
framr-4076	571	29	were	be	AUX
framr-4076	571	30	medical	medical	ADJ
framr-4076	571	31	campaigns	campaign	NOUN
framr-4076	571	32	.	.	PUNCT
framr-4076	572	1	gofundme	gofundme	NOUN
framr-4076	572	2	allows	allow	VERB
framr-4076	572	3	users	user	NOUN
framr-4076	572	4	to	to	PART
framr-4076	572	5	build	build	VERB
framr-4076	572	6	and	and	CCONJ
framr-4076	572	7	publish	publish	VERB
framr-4076	572	8	campaigns	campaign	NOUN
framr-4076	572	9	in	in	ADP
framr-4076	572	10	a	a	DET
framr-4076	572	11	matter	matter	NOUN
framr-4076	572	12	of	of	ADP
framr-4076	572	13	minutes	minute	NOUN
framr-4076	572	14	.	.	PUNCT
framr-4076	573	1	gofundme	gofundme	PROPN
framr-4076	573	2	allows	allow	VERB
framr-4076	573	3	users	user	NOUN
framr-4076	573	4	to	to	PART
framr-4076	573	5	build	build	VERB
framr-4076	573	6	and	and	CCONJ
framr-4076	573	7	publish	publish	VERB
framr-4076	573	8	campaigns	campaign	NOUN
framr-4076	573	9	in	in	ADP
framr-4076	573	10	a	a	DET
framr-4076	573	11	matter	matter	NOUN
framr-4076	573	12	of	of	ADP
framr-4076	573	13	minutes	minute	NOUN
framr-4076	573	14	.	.	PUNCT
framr-4076	574	1	gofundme	gofundme	NOUN
framr-4076	574	2	provides	provide	VERB
framr-4076	574	3	ideas	idea	NOUN
framr-4076	574	4	for	for	ADP
framr-4076	574	5	raising	raise	VERB
framr-4076	574	6	money	money	NOUN
framr-4076	574	7	while	while	SCONJ
framr-4076	574	8	you	you	PRON
framr-4076	574	9	're	be	AUX
framr-4076	574	10	building	build	VERB
framr-4076	574	11	up	up	ADP
framr-4076	574	12	your	your	PRON
framr-4076	574	13	solicitation	solicitation	NOUN
framr-4076	574	14	page	page	NOUN
framr-4076	574	15	.	.	PUNCT
framr-4076	575	1	it	it	PRON
framr-4076	575	2	is	be	AUX
framr-4076	575	3	highly	highly	ADV
framr-4076	575	4	recommended	recommend	VERB
framr-4076	575	5	for	for	SCONJ
framr-4076	575	6	campaigners	campaigner	NOUN
framr-4076	575	7	to	to	PART
framr-4076	575	8	link	link	VERB
framr-4076	575	9	to	to	ADP
framr-4076	575	10	their	their	PRON
framr-4076	575	11	facebook	facebook	NOUN
framr-4076	575	12	profile	profile	NOUN
framr-4076	575	13	and	and	CCONJ
framr-4076	575	14	promote	promote	VERB
framr-4076	575	15	their	their	PRON
framr-4076	575	16	campaign	campaign	NOUN
framr-4076	575	17	on	on	ADP
framr-4076	575	18	social	social	ADJ
framr-4076	575	19	media	medium	NOUN
framr-4076	575	20	so	so	SCONJ
framr-4076	575	21	that	that	SCONJ
framr-4076	575	22	supporters	supporter	NOUN
framr-4076	575	23	can	can	AUX
framr-4076	575	24	confirm	confirm	VERB
framr-4076	575	25	who	who	PRON
framr-4076	575	26	is	be	AUX
framr-4076	575	27	generating	generate	VERB
framr-4076	575	28	the	the	DET
framr-4076	575	29	money	money	NOUN
framr-4076	575	30	.	.	PUNCT
framr-4076	576	1	for	for	ADP
framr-4076	576	2	the	the	DET
framr-4076	576	3	campaign	campaign	NOUN
framr-4076	576	4	's	's	PART
framr-4076	576	5	primary	primary	ADJ
framr-4076	576	6	body	body	NOUN
framr-4076	576	7	,	,	PUNCT
framr-4076	576	8	gofundme	gofundme	NOUN
framr-4076	576	9	also	also	ADV
framr-4076	576	10	suggests	suggest	VERB
framr-4076	576	11	using	use	VERB
framr-4076	576	12	a	a	DET
framr-4076	576	13	narrative	narrative	NOUN
framr-4076	576	14	framework	framework	NOUN
framr-4076	576	15	(	(	PUNCT
framr-4076	576	16	klein	klein	PROPN
framr-4076	576	17	,	,	PUNCT
framr-4076	576	18	tran	tran	PROPN
framr-4076	576	19	,	,	PUNCT
framr-4076	576	20	&	&	CCONJ
framr-4076	576	21	riley	riley	PROPN
framr-4076	576	22	,	,	PUNCT
framr-4076	576	23	2020	2020	NUM
framr-4076	576	24	)	)	PUNCT
framr-4076	576	25	.	.	PUNCT
framr-4076	577	1	the	the	DET
framr-4076	577	2	biggest	big	ADJ
framr-4076	577	3	membership	membership	NOUN
framr-4076	577	4	network	network	NOUN
framr-4076	577	5	,	,	PUNCT
framr-4076	577	6	patreon	patreon	NOUN
framr-4076	577	7	,	,	PUNCT
framr-4076	577	8	facilitates	facilitate	VERB
framr-4076	577	9	the	the	DET
framr-4076	577	10	payment	payment	NOUN
framr-4076	577	11	of	of	ADP
framr-4076	577	12	nearly	nearly	ADV
framr-4076	577	13	$	$	SYM
framr-4076	577	14	1	1	NUM
framr-4076	577	15	billion	billion	NUM
framr-4076	577	16	to	to	ADP
framr-4076	577	17	creators	creator	NOUN
framr-4076	577	18	yearly	yearly	ADV
framr-4076	577	19	and	and	CCONJ
framr-4076	577	20	links	link	VERB
framr-4076	577	21	millions	million	NOUN
framr-4076	577	22	of	of	ADP
framr-4076	577	23	creators	creator	NOUN
framr-4076	577	24	with	with	ADP
framr-4076	577	25	millions	million	NOUN
framr-4076	577	26	of	of	ADP
framr-4076	577	27	fans	fan	NOUN
framr-4076	577	28	.	.	PUNCT
framr-4076	578	1	since	since	SCONJ
framr-4076	578	2	patreon	patreon	NOUN
framr-4076	578	3	launched	launch	VERB
framr-4076	578	4	creator	creator	NOUN
framr-4076	578	5	-	-	PUNCT
framr-4076	578	6	fan	fan	NOUN
framr-4076	578	7	memberships	membership	NOUN
framr-4076	578	8	in	in	ADP
framr-4076	578	9	2013	2013	NUM
framr-4076	578	10	,	,	PUNCT
framr-4076	578	11	many	many	ADJ
framr-4076	578	12	new	new	ADJ
framr-4076	578	13	membership	membership	NOUN
framr-4076	578	14	sites	site	NOUN
framr-4076	578	15	,	,	PUNCT
framr-4076	578	16	like	like	ADP
framr-4076	578	17	ko	ko	PROPN
framr-4076	578	18	-	-	PUNCT
framr-4076	578	19	fi	fi	NOUN
framr-4076	578	20	,	,	PUNCT
framr-4076	578	21	onlyfans	onlyfan	NOUN
framr-4076	578	22	,	,	PUNCT
framr-4076	578	23	and	and	CCONJ
framr-4076	578	24	buymeacoffee	buymeacoffee	NOUN
framr-4076	578	25	,	,	PUNCT
framr-4076	578	26	have	have	AUX
framr-4076	578	27	appeared	appear	VERB
framr-4076	578	28	.	.	PUNCT
framr-4076	579	1	due	due	ADP
framr-4076	579	2	to	to	ADP
framr-4076	579	3	the	the	DET
framr-4076	579	4	popularity	popularity	NOUN
framr-4076	579	5	of	of	ADP
framr-4076	579	6	this	this	DET
framr-4076	579	7	membership	membership	NOUN
framr-4076	579	8	model	model	NOUN
framr-4076	579	9	,	,	PUNCT
framr-4076	579	10	already	already	ADV
framr-4076	579	11	existing	exist	VERB
framr-4076	579	12	social	social	ADJ
framr-4076	579	13	media	medium	NOUN
framr-4076	579	14	platforms	platform	NOUN
framr-4076	579	15	have	have	AUX
framr-4076	579	16	begun	begin	VERB
framr-4076	579	17	to	to	PART
framr-4076	579	18	include	include	VERB
framr-4076	579	19	subscriptions	subscription	NOUN
framr-4076	579	20	into	into	ADP
framr-4076	579	21	their	their	PRON
framr-4076	579	22	networks	network	NOUN
framr-4076	579	23	.	.	PUNCT
framr-4076	580	1	examples	example	NOUN
framr-4076	580	2	of	of	ADP
framr-4076	580	3	these	these	PRON
framr-4076	580	4	are	be	AUX
framr-4076	580	5	twitter	twitter	NOUN
framr-4076	580	6	superfollow	superfollow	NOUN
framr-4076	580	7	,	,	PUNCT
framr-4076	580	8	facebook	facebook	NOUN
framr-4076	580	9	subscriptions	subscription	NOUN
framr-4076	580	10	,	,	PUNCT
framr-4076	580	11	and	and	CCONJ
framr-4076	580	12	youtube	youtube	NOUN
framr-4076	580	13	memberships	membership	NOUN
framr-4076	580	14	,	,	PUNCT
framr-4076	580	15	which	which	PRON
framr-4076	580	16	allow	allow	VERB
framr-4076	580	17	users	user	NOUN
framr-4076	580	18	to	to	PART
framr-4076	580	19	pay	pay	VERB
framr-4076	580	20	a	a	DET
framr-4076	580	21	monthly	monthly	ADJ
framr-4076	580	22	subscription	subscription	NOUN
framr-4076	580	23	fee	fee	NOUN
framr-4076	580	24	in	in	ADP
framr-4076	580	25	exchange	exchange	NOUN
framr-4076	580	26	for	for	ADP
framr-4076	580	27	special	special	ADJ
framr-4076	580	28	access	access	NOUN
framr-4076	580	29	(	(	PUNCT
framr-4076	580	30	sanyoura	sanyoura	PROPN
framr-4076	580	31	&	&	CCONJ
framr-4076	580	32	anderson	anderson	PROPN
framr-4076	580	33	,	,	PUNCT
framr-4076	580	34	2022	2022	NUM
framr-4076	580	35	)	)	PUNCT
framr-4076	580	36	.	.	PUNCT
framr-4076	581	1	financial	financial	ADJ
framr-4076	581	2	risk	risk	NOUN
framr-4076	581	3	and	and	CCONJ
framr-4076	581	4	management	management	NOUN
framr-4076	581	5	reviews	review	NOUN
framr-4076	581	6	,	,	PUNCT
framr-4076	581	7	2025	2025	NUM
framr-4076	581	8	,	,	PUNCT
framr-4076	581	9	11(1	11(1	NUM
framr-4076	581	10	):	):	PUNCT
framr-4076	581	11	37	37	NUM
framr-4076	581	12	-	-	SYM
framr-4076	581	13	71	71	NUM
framr-4076	581	14	58	58	NUM
framr-4076	581	15	©	©	PROPN
framr-4076	581	16	2025	2025	NUM
framr-4076	581	17	conscientia	conscientia	PROPN
framr-4076	581	18	beam	beam	PROPN
framr-4076	581	19	.	.	PUNCT
framr-4076	582	1	all	all	DET
framr-4076	582	2	rights	right	NOUN
framr-4076	582	3	reserved	reserve	VERB
framr-4076	582	4	.	.	PUNCT
framr-4076	583	1	6	6	X
framr-4076	583	2	.	.	X
framr-4076	583	3	strategies	strategy	NOUN
framr-4076	583	4	to	to	PART
framr-4076	583	5	reduce	reduce	VERB
framr-4076	583	6	greenwashing	greenwashe	VERB
framr-4076	583	7	6.1	6.1	NUM
framr-4076	583	8	.	.	PUNCT
framr-4076	584	1	regulatory	regulatory	ADJ
framr-4076	584	2	frameworks	framework	NOUN
framr-4076	584	3	corporate	corporate	ADJ
framr-4076	584	4	greenwashing	greenwashing	NOUN
framr-4076	584	5	has	have	VERB
framr-4076	584	6	a	a	DET
framr-4076	584	7	variety	variety	NOUN
framr-4076	584	8	of	of	ADP
framr-4076	584	9	negative	negative	ADJ
framr-4076	584	10	effects	effect	NOUN
framr-4076	584	11	on	on	ADP
framr-4076	584	12	the	the	DET
framr-4076	584	13	environment	environment	NOUN
framr-4076	584	14	,	,	PUNCT
framr-4076	584	15	society	society	NOUN
framr-4076	584	16	,	,	PUNCT
framr-4076	584	17	and	and	CCONJ
framr-4076	584	18	economy	economy	NOUN
framr-4076	584	19	.	.	PUNCT
framr-4076	585	1	sincere	sincere	ADJ
framr-4076	585	2	environmental	environmental	ADJ
framr-4076	585	3	efforts	effort	NOUN
framr-4076	585	4	are	be	AUX
framr-4076	585	5	undermined	undermine	VERB
framr-4076	585	6	by	by	ADP
framr-4076	585	7	corporate	corporate	ADJ
framr-4076	585	8	greenwashing	greenwashing	NOUN
framr-4076	585	9	,	,	PUNCT
framr-4076	585	10	which	which	PRON
framr-4076	585	11	erodes	erode	VERB
framr-4076	585	12	public	public	ADJ
framr-4076	585	13	confidence	confidence	NOUN
framr-4076	585	14	and	and	CCONJ
framr-4076	585	15	legitimacy	legitimacy	NOUN
framr-4076	585	16	.	.	PUNCT
framr-4076	586	1	for	for	SCONJ
framr-4076	586	2	firms	firm	NOUN
framr-4076	586	3	to	to	PART
framr-4076	586	4	support	support	VERB
framr-4076	586	5	sustainable	sustainable	ADJ
framr-4076	586	6	development	development	NOUN
framr-4076	586	7	,	,	PUNCT
framr-4076	586	8	trust	trust	NOUN
framr-4076	586	9	must	must	AUX
framr-4076	586	10	be	be	AUX
framr-4076	586	11	rebuilt	rebuild	VERB
framr-4076	586	12	.	.	PUNCT
framr-4076	587	1	since	since	SCONJ
framr-4076	587	2	businesses	business	NOUN
framr-4076	587	3	spend	spend	VERB
framr-4076	587	4	more	more	ADJ
framr-4076	587	5	money	money	NOUN
framr-4076	587	6	creating	create	VERB
framr-4076	587	7	a	a	DET
framr-4076	587	8	green	green	ADJ
framr-4076	587	9	image	image	NOUN
framr-4076	587	10	than	than	ADP
framr-4076	587	11	making	make	VERB
framr-4076	587	12	significant	significant	ADJ
framr-4076	587	13	improvements	improvement	NOUN
framr-4076	587	14	,	,	PUNCT
framr-4076	587	15	greenwashing	greenwashing	NOUN
framr-4076	587	16	impedes	impede	VERB
framr-4076	587	17	real	real	ADJ
framr-4076	587	18	progress	progress	NOUN
framr-4076	587	19	by	by	ADP
framr-4076	587	20	taking	take	VERB
framr-4076	587	21	resources	resource	NOUN
framr-4076	587	22	away	away	ADV
framr-4076	587	23	from	from	ADP
framr-4076	587	24	real	real	ADJ
framr-4076	587	25	sustainability	sustainability	NOUN
framr-4076	587	26	activities	activity	NOUN
framr-4076	587	27	.	.	PUNCT
framr-4076	588	1	to	to	PART
framr-4076	588	2	successfully	successfully	ADV
framr-4076	588	3	prevent	prevent	VERB
framr-4076	588	4	greenwashing	greenwashing	NOUN
framr-4076	588	5	,	,	PUNCT
framr-4076	588	6	governments	government	NOUN
framr-4076	588	7	and	and	CCONJ
framr-4076	588	8	regulatory	regulatory	ADJ
framr-4076	588	9	organizations	organization	NOUN
framr-4076	588	10	should	should	AUX
framr-4076	588	11	enhance	enhance	VERB
framr-4076	588	12	rules	rule	NOUN
framr-4076	588	13	,	,	PUNCT
framr-4076	588	14	provide	provide	VERB
framr-4076	588	15	clear	clear	ADJ
framr-4076	588	16	criteria	criterion	NOUN
framr-4076	588	17	for	for	ADP
framr-4076	588	18	environmental	environmental	ADJ
framr-4076	588	19	claims	claim	NOUN
framr-4076	588	20	,	,	PUNCT
framr-4076	588	21	and	and	CCONJ
framr-4076	588	22	ensure	ensure	VERB
framr-4076	588	23	public	public	ADJ
framr-4076	588	24	reporting	reporting	NOUN
framr-4076	588	25	to	to	PART
framr-4076	588	26	hold	hold	VERB
framr-4076	588	27	firms	firm	NOUN
framr-4076	588	28	responsible	responsible	ADJ
framr-4076	588	29	(	(	PUNCT
framr-4076	588	30	maamir	maamir	NOUN
framr-4076	588	31	,	,	PUNCT
framr-4076	588	32	2024	2024	NUM
framr-4076	588	33	)	)	PUNCT
framr-4076	588	34	.	.	PUNCT
framr-4076	589	1	6.1.1	6.1.1	X
framr-4076	589	2	.	.	PUNCT
framr-4076	589	3	existing	exist	VERB
framr-4076	589	4	regulations	regulation	NOUN
framr-4076	589	5	and	and	CCONJ
framr-4076	589	6	their	their	PRON
framr-4076	589	7	effectiveness	effectiveness	NOUN
framr-4076	589	8	ensuring	ensure	VERB
framr-4076	589	9	that	that	SCONJ
framr-4076	589	10	enterprises	enterprise	NOUN
framr-4076	589	11	and	and	CCONJ
framr-4076	589	12	organisations	organisation	NOUN
framr-4076	589	13	are	be	AUX
framr-4076	589	14	held	hold	VERB
framr-4076	589	15	responsible	responsible	ADJ
framr-4076	589	16	for	for	ADP
framr-4076	589	17	their	their	PRON
framr-4076	589	18	environmental	environmental	ADJ
framr-4076	589	19	effect	effect	NOUN
framr-4076	589	20	and	and	CCONJ
framr-4076	589	21	promoting	promote	VERB
framr-4076	589	22	sustainability	sustainability	NOUN
framr-4076	589	23	requires	require	VERB
framr-4076	589	24	a	a	DET
framr-4076	589	25	relationship	relationship	NOUN
framr-4076	589	26	between	between	ADP
framr-4076	589	27	governmental	governmental	ADJ
framr-4076	589	28	institutions	institution	NOUN
framr-4076	589	29	,	,	PUNCT
framr-4076	589	30	regulations	regulation	NOUN
framr-4076	589	31	,	,	PUNCT
framr-4076	589	32	and	and	CCONJ
framr-4076	589	33	certifications	certification	NOUN
framr-4076	589	34	.	.	PUNCT
framr-4076	590	1	governments	government	NOUN
framr-4076	590	2	and	and	CCONJ
framr-4076	590	3	regulatory	regulatory	ADJ
framr-4076	590	4	bodies	body	NOUN
framr-4076	590	5	,	,	PUNCT
framr-4076	590	6	for	for	ADP
framr-4076	590	7	example	example	NOUN
framr-4076	590	8	,	,	PUNCT
framr-4076	590	9	have	have	VERB
framr-4076	590	10	the	the	DET
framr-4076	590	11	authority	authority	NOUN
framr-4076	590	12	to	to	PART
framr-4076	590	13	enact	enact	VERB
framr-4076	590	14	laws	law	NOUN
framr-4076	590	15	and	and	CCONJ
framr-4076	590	16	rules	rule	NOUN
framr-4076	590	17	requiring	require	VERB
framr-4076	590	18	companies	company	NOUN
framr-4076	590	19	and	and	CCONJ
framr-4076	590	20	organisations	organisation	NOUN
framr-4076	590	21	to	to	PART
framr-4076	590	22	adhere	adhere	VERB
framr-4076	590	23	to	to	ADP
framr-4076	590	24	specific	specific	ADJ
framr-4076	590	25	sustainability	sustainability	NOUN
framr-4076	590	26	criteria	criterion	NOUN
framr-4076	590	27	.	.	PUNCT
framr-4076	591	1	for	for	ADP
framr-4076	591	2	instance	instance	NOUN
framr-4076	591	3	,	,	PUNCT
framr-4076	591	4	a	a	DET
framr-4076	591	5	government	government	NOUN
framr-4076	591	6	may	may	AUX
framr-4076	591	7	mandate	mandate	VERB
framr-4076	591	8	that	that	SCONJ
framr-4076	591	9	businesses	business	NOUN
framr-4076	591	10	lower	lower	VERB
framr-4076	591	11	their	their	PRON
framr-4076	591	12	greenhouse	greenhouse	NOUN
framr-4076	591	13	gas	gas	NOUN
framr-4076	591	14	emissions	emission	NOUN
framr-4076	591	15	or	or	CCONJ
framr-4076	591	16	adopt	adopt	VERB
framr-4076	591	17	environmentally	environmentally	ADV
framr-4076	591	18	friendly	friendly	ADJ
framr-4076	591	19	land	land	NOUN
framr-4076	591	20	use	use	NOUN
framr-4076	591	21	techniques	technique	NOUN
framr-4076	591	22	(	(	PUNCT
framr-4076	591	23	nygaard	nygaard	NOUN
framr-4076	591	24	,	,	PUNCT
framr-4076	591	25	2023	2023	NUM
framr-4076	591	26	)	)	PUNCT
framr-4076	591	27	.	.	PUNCT
framr-4076	592	1	mateo	mateo	PROPN
framr-4076	592	2	-	-	PUNCT
framr-4076	592	3	márquez	márquez	PROPN
framr-4076	592	4	,	,	PUNCT
framr-4076	592	5	gonzález	gonzález	PROPN
framr-4076	592	6	-	-	PUNCT
framr-4076	592	7	gonzález	gonzález	PROPN
framr-4076	592	8	,	,	PUNCT
framr-4076	592	9	and	and	CCONJ
framr-4076	592	10	zamora	zamora	PROPN
framr-4076	592	11	-	-	PUNCT
framr-4076	592	12	ramírez	ramírez	NOUN
framr-4076	592	13	(	(	PUNCT
framr-4076	592	14	2022	2022	NUM
framr-4076	592	15	)	)	PUNCT
framr-4076	592	16	demonstrate	demonstrate	VERB
framr-4076	592	17	that	that	SCONJ
framr-4076	592	18	in	in	ADP
framr-4076	592	19	countries	country	NOUN
framr-4076	592	20	with	with	ADP
framr-4076	592	21	more	more	ADV
framr-4076	592	22	extensive	extensive	ADJ
framr-4076	592	23	regulations	regulation	NOUN
framr-4076	592	24	about	about	ADP
framr-4076	592	25	climate	climate	NOUN
framr-4076	592	26	change	change	NOUN
framr-4076	592	27	and	and	CCONJ
framr-4076	592	28	stricter	strict	ADJ
framr-4076	592	29	oversight	oversight	NOUN
framr-4076	592	30	of	of	ADP
framr-4076	592	31	organisations	organisation	NOUN
framr-4076	592	32	'	'	PART
framr-4076	592	33	compliance	compliance	NOUN
framr-4076	592	34	with	with	ADP
framr-4076	592	35	said	say	VERB
framr-4076	592	36	regulations	regulation	NOUN
framr-4076	592	37	,	,	PUNCT
framr-4076	592	38	there	there	PRON
framr-4076	592	39	will	will	AUX
framr-4076	592	40	be	be	AUX
framr-4076	592	41	fewer	few	ADJ
framr-4076	592	42	opportunities	opportunity	NOUN
framr-4076	592	43	for	for	SCONJ
framr-4076	592	44	companies	company	NOUN
framr-4076	592	45	to	to	PART
framr-4076	592	46	engage	engage	VERB
framr-4076	592	47	in	in	ADP
framr-4076	592	48	greenwashing	greenwashing	NOUN
framr-4076	592	49	when	when	SCONJ
framr-4076	592	50	disclosing	disclose	VERB
framr-4076	592	51	voluntary	voluntary	ADJ
framr-4076	592	52	carbon	carbon	NOUN
framr-4076	592	53	information	information	NOUN
framr-4076	592	54	.	.	PUNCT
framr-4076	593	1	based	base	VERB
framr-4076	593	2	on	on	ADP
framr-4076	593	3	its	its	PRON
framr-4076	593	4	wide	wide	ADJ
framr-4076	593	5	power	power	NOUN
framr-4076	593	6	under	under	ADP
framr-4076	593	7	section	section	NOUN
framr-4076	593	8	5	5	NUM
framr-4076	593	9	of	of	ADP
framr-4076	593	10	the	the	DET
framr-4076	593	11	federal	federal	PROPN
framr-4076	593	12	trade	trade	PROPN
framr-4076	593	13	commission	commission	PROPN
framr-4076	593	14	(	(	PUNCT
framr-4076	593	15	ftc	ftc	PROPN
framr-4076	593	16	)	)	PUNCT
framr-4076	593	17	act	act	PROPN
framr-4076	593	18	,	,	PUNCT
framr-4076	593	19	the	the	DET
framr-4076	593	20	commission	commission	NOUN
framr-4076	593	21	pursued	pursue	VERB
framr-4076	593	22	enforcement	enforcement	NOUN
framr-4076	593	23	proceedings	proceeding	NOUN
framr-4076	593	24	against	against	ADP
framr-4076	593	25	deceptive	deceptive	ADJ
framr-4076	593	26	environmental	environmental	ADJ
framr-4076	593	27	marketing	marketing	NOUN
framr-4076	593	28	claims	claim	NOUN
framr-4076	593	29	throughout	throughout	ADP
framr-4076	593	30	the	the	DET
framr-4076	593	31	1970s	1970	NOUN
framr-4076	593	32	and	and	CCONJ
framr-4076	593	33	1980s	1980	NOUN
framr-4076	593	34	.	.	PUNCT
framr-4076	594	1	under	under	ADP
framr-4076	594	2	general	general	ADJ
framr-4076	594	3	policy	policy	NOUN
framr-4076	594	4	,	,	PUNCT
framr-4076	594	5	the	the	DET
framr-4076	594	6	ftc	ftc	PROPN
framr-4076	594	7	carried	carry	VERB
framr-4076	594	8	out	out	ADP
framr-4076	594	9	these	these	DET
framr-4076	594	10	early	early	ADJ
framr-4076	594	11	enforcement	enforcement	NOUN
framr-4076	594	12	actions	action	NOUN
framr-4076	594	13	gradually	gradually	ADV
framr-4076	594	14	,	,	PUNCT
framr-4076	594	15	which	which	PRON
framr-4076	594	16	left	leave	VERB
framr-4076	594	17	the	the	DET
framr-4076	594	18	business	business	NOUN
framr-4076	594	19	and	and	CCONJ
framr-4076	594	20	consumers	consumer	NOUN
framr-4076	594	21	feeling	feel	VERB
framr-4076	594	22	frustrated	frustrated	ADJ
framr-4076	594	23	.	.	PUNCT
framr-4076	595	1	in	in	ADP
framr-4076	595	2	response	response	NOUN
framr-4076	595	3	to	to	ADP
framr-4076	595	4	the	the	DET
framr-4076	595	5	rising	rise	VERB
framr-4076	595	6	issue	issue	NOUN
framr-4076	595	7	of	of	ADP
framr-4076	595	8	false	false	ADJ
framr-4076	595	9	environmental	environmental	ADJ
framr-4076	595	10	claims	claim	NOUN
framr-4076	595	11	in	in	ADP
framr-4076	595	12	marketing	marketing	NOUN
framr-4076	595	13	,	,	PUNCT
framr-4076	595	14	states	state	NOUN
framr-4076	595	15	simultaneously	simultaneously	ADV
framr-4076	595	16	passed	pass	VERB
framr-4076	595	17	their	their	PRON
framr-4076	595	18	restrictions	restriction	NOUN
framr-4076	595	19	,	,	PUNCT
framr-4076	595	20	which	which	PRON
framr-4076	595	21	were	be	AUX
framr-4076	595	22	enforced	enforce	VERB
framr-4076	595	23	in	in	ADP
framr-4076	595	24	state	state	NOUN
framr-4076	595	25	courts	court	NOUN
framr-4076	595	26	by	by	ADP
framr-4076	595	27	state	state	NOUN
framr-4076	595	28	attorneys	attorney	NOUN
framr-4076	595	29	general	general	ADJ
framr-4076	595	30	and	and	CCONJ
framr-4076	595	31	consumer	consumer	NOUN
framr-4076	595	32	advocacy	advocacy	NOUN
framr-4076	595	33	organisations	organisation	NOUN
framr-4076	595	34	.	.	PUNCT
framr-4076	596	1	in	in	ADP
framr-4076	596	2	the	the	DET
framr-4076	596	3	end	end	NOUN
framr-4076	596	4	,	,	PUNCT
framr-4076	596	5	it	it	PRON
framr-4076	596	6	became	become	VERB
framr-4076	596	7	clear	clear	ADJ
framr-4076	596	8	from	from	ADP
framr-4076	596	9	these	these	DET
framr-4076	596	10	dispersed	disperse	VERB
framr-4076	596	11	initiatives	initiative	NOUN
framr-4076	596	12	that	that	PRON
framr-4076	596	13	the	the	DET
framr-4076	596	14	ftc	ftc	PROPN
framr-4076	596	15	needed	need	VERB
framr-4076	596	16	to	to	PART
framr-4076	596	17	publish	publish	VERB
framr-4076	596	18	national	national	ADJ
framr-4076	596	19	guidelines	guideline	NOUN
framr-4076	596	20	for	for	ADP
framr-4076	596	21	claims	claim	NOUN
framr-4076	596	22	regarding	regard	VERB
framr-4076	596	23	the	the	DET
framr-4076	596	24	environment	environment	NOUN
framr-4076	596	25	in	in	ADP
framr-4076	596	26	marketing	marketing	NOUN
framr-4076	596	27	(	(	PUNCT
framr-4076	596	28	rotman	rotman	PROPN
framr-4076	596	29	,	,	PUNCT
framr-4076	596	30	gossett	gossett	PROPN
framr-4076	596	31	,	,	PUNCT
framr-4076	596	32	&	&	CCONJ
framr-4076	596	33	goldman	goldman	PROPN
framr-4076	596	34	,	,	PUNCT
framr-4076	596	35	2020	2020	NUM
framr-4076	596	36	)	)	PUNCT
framr-4076	596	37	.	.	PUNCT
framr-4076	597	1	the	the	DET
framr-4076	597	2	green	green	ADJ
framr-4076	597	3	guides	guide	NOUN
framr-4076	597	4	are	be	AUX
framr-4076	597	5	a	a	DET
framr-4076	597	6	set	set	NOUN
framr-4076	597	7	of	of	ADP
framr-4076	597	8	interpretative	interpretative	ADJ
framr-4076	597	9	principles	principle	NOUN
framr-4076	597	10	designed	design	VERB
framr-4076	597	11	to	to	PART
framr-4076	597	12	help	help	VERB
framr-4076	597	13	marketers	marketer	NOUN
framr-4076	597	14	make	make	VERB
framr-4076	597	15	ethical	ethical	ADJ
framr-4076	597	16	statements	statement	NOUN
framr-4076	597	17	about	about	ADP
framr-4076	597	18	the	the	DET
framr-4076	597	19	environment	environment	NOUN
framr-4076	597	20	.	.	PUNCT
framr-4076	598	1	they	they	PRON
framr-4076	598	2	lay	lie	VERB
framr-4076	598	3	forth	forth	ADV
framr-4076	598	4	broad	broad	ADJ
framr-4076	598	5	guidelines	guideline	NOUN
framr-4076	598	6	that	that	PRON
framr-4076	598	7	apply	apply	VERB
framr-4076	598	8	to	to	ADP
framr-4076	598	9	environmental	environmental	ADJ
framr-4076	598	10	claims	claim	NOUN
framr-4076	598	11	made	make	VERB
framr-4076	598	12	in	in	ADP
framr-4076	598	13	the	the	DET
framr-4076	598	14	marketing	marketing	NOUN
framr-4076	598	15	or	or	CCONJ
framr-4076	598	16	public	public	ADJ
framr-4076	598	17	sale	sale	NOUN
framr-4076	598	18	of	of	ADP
framr-4076	598	19	goods	good	NOUN
framr-4076	598	20	or	or	CCONJ
framr-4076	598	21	services	service	NOUN
framr-4076	598	22	,	,	PUNCT
framr-4076	598	23	whether	whether	SCONJ
framr-4076	598	24	they	they	PRON
framr-4076	598	25	are	be	AUX
framr-4076	598	26	related	relate	VERB
framr-4076	598	27	to	to	ADP
framr-4076	598	28	products	product	NOUN
framr-4076	598	29	,	,	PUNCT
framr-4076	598	30	packaging	packaging	NOUN
framr-4076	598	31	,	,	PUNCT
framr-4076	598	32	or	or	CCONJ
framr-4076	598	33	services	service	NOUN
framr-4076	598	34	.	.	PUNCT
framr-4076	599	1	these	these	DET
framr-4076	599	2	guidelines	guideline	NOUN
framr-4076	599	3	lead	lead	VERB
framr-4076	599	4	marketers	marketer	NOUN
framr-4076	599	5	to	to	PART
framr-4076	599	6	rotman	rotman	PROPN
framr-4076	599	7	et	et	PROPN
framr-4076	599	8	al	al	PROPN
framr-4076	599	9	.	.	PROPN
framr-4076	600	1	(	(	PUNCT
framr-4076	600	2	2020	2020	NUM
framr-4076	600	3	):	):	PUNCT
framr-4076	600	4	•	•	ADP
framr-4076	600	5	when	when	SCONJ
framr-4076	600	6	making	make	VERB
framr-4076	600	7	environmental	environmental	ADJ
framr-4076	600	8	claims	claim	NOUN
framr-4076	600	9	,	,	PUNCT
framr-4076	600	10	use	use	VERB
framr-4076	600	11	the	the	DET
framr-4076	600	12	proper	proper	ADJ
framr-4076	600	13	qualifiers	qualifier	NOUN
framr-4076	600	14	and	and	CCONJ
framr-4076	600	15	disclosures	disclosure	NOUN
framr-4076	600	16	.	.	PUNCT
framr-4076	601	1	transparency	transparency	NOUN
framr-4076	601	2	ought	ought	AUX
framr-4076	601	3	to	to	PART
framr-4076	601	4	be	be	AUX
framr-4076	601	5	placed	place	VERB
framr-4076	601	6	"	"	PUNCT
framr-4076	601	7	near	near	ADP
framr-4076	601	8	the	the	DET
framr-4076	601	9	qualified	qualified	ADJ
framr-4076	601	10	claim	claim	NOUN
framr-4076	601	11	,	,	PUNCT
framr-4076	601	12	"	"	PUNCT
framr-4076	601	13	"	"	PUNCT
framr-4076	601	14	clear	clear	ADJ
framr-4076	601	15	and	and	CCONJ
framr-4076	601	16	noticeable	noticeable	ADJ
framr-4076	601	17	,	,	PUNCT
framr-4076	601	18	"	"	PUNCT
framr-4076	601	19	and	and	CCONJ
framr-4076	601	20	"	"	PUNCT
framr-4076	601	21	in	in	ADP
framr-4076	601	22	straightforward	straightforward	ADJ
framr-4076	601	23	and	and	CCONJ
framr-4076	601	24	inadequate	inadequate	ADJ
framr-4076	601	25	type	type	NOUN
framr-4076	601	26	.	.	PUNCT
framr-4076	601	27	"	"	PUNCT
framr-4076	602	1	advertisers	advertiser	NOUN
framr-4076	602	2	must	must	AUX
framr-4076	602	3	avoid	avoid	VERB
framr-4076	602	4	using	use	VERB
framr-4076	602	5	distracting	distract	VERB
framr-4076	602	6	elements	element	NOUN
framr-4076	602	7	or	or	CCONJ
framr-4076	602	8	making	make	VERB
framr-4076	602	9	inconsistent	inconsistent	ADJ
framr-4076	602	10	claims	claim	NOUN
framr-4076	602	11	that	that	PRON
framr-4076	602	12	might	might	AUX
framr-4076	602	13	undermine	undermine	VERB
framr-4076	602	14	or	or	CCONJ
framr-4076	602	15	contradict	contradict	VERB
framr-4076	602	16	the	the	DET
framr-4076	602	17	disclosure	disclosure	NOUN
framr-4076	602	18	.	.	PUNCT
framr-4076	602	19	"	"	PUNCT
framr-4076	603	1	•	•	ADV
framr-4076	603	2	clearly	clearly	ADV
framr-4076	603	3	state	state	VERB
framr-4076	603	4	if	if	SCONJ
framr-4076	603	5	their	their	PRON
framr-4076	603	6	claim	claim	NOUN
framr-4076	603	7	applies	apply	VERB
framr-4076	603	8	to	to	ADP
framr-4076	603	9	the	the	DET
framr-4076	603	10	product	product	NOUN
framr-4076	603	11	as	as	ADP
framr-4076	603	12	a	a	DET
framr-4076	603	13	whole	whole	NOUN
framr-4076	603	14	,	,	PUNCT
framr-4076	603	15	to	to	ADP
framr-4076	603	16	a	a	DET
framr-4076	603	17	certain	certain	ADJ
framr-4076	603	18	part	part	NOUN
framr-4076	603	19	of	of	ADP
framr-4076	603	20	the	the	DET
framr-4076	603	21	goods	good	NOUN
framr-4076	603	22	,	,	PUNCT
framr-4076	603	23	or	or	CCONJ
framr-4076	603	24	only	only	ADV
framr-4076	603	25	to	to	ADP
framr-4076	603	26	the	the	DET
framr-4076	603	27	packaging	packaging	NOUN
framr-4076	603	28	.	.	PUNCT
framr-4076	604	1	•	•	NUM
framr-4076	604	2	steer	steer	NOUN
framr-4076	604	3	clear	clear	ADJ
framr-4076	604	4	of	of	ADP
framr-4076	604	5	exaggerating	exaggerate	VERB
framr-4076	604	6	environmental	environmental	ADJ
framr-4076	604	7	qualities	quality	NOUN
framr-4076	604	8	or	or	CCONJ
framr-4076	604	9	advantages	advantage	NOUN
framr-4076	604	10	.	.	PUNCT
framr-4076	605	1	•	•	NUM
framr-4076	605	2	verify	verify	VERB
framr-4076	605	3	that	that	SCONJ
framr-4076	605	4	assertions	assertion	NOUN
framr-4076	605	5	made	make	VERB
framr-4076	605	6	in	in	ADP
framr-4076	605	7	comparison	comparison	NOUN
framr-4076	605	8	are	be	AUX
framr-4076	605	9	precise	precise	ADJ
framr-4076	605	10	and	and	CCONJ
framr-4076	605	11	supported	support	VERB
framr-4076	605	12	.	.	PUNCT
framr-4076	606	1	cherry	cherry	NOUN
framr-4076	606	2	(	(	PUNCT
framr-4076	606	3	2013	2013	NUM
framr-4076	606	4	)	)	PUNCT
framr-4076	606	5	proposed	propose	VERB
framr-4076	606	6	several	several	ADJ
framr-4076	606	7	options	option	NOUN
framr-4076	606	8	to	to	PART
framr-4076	606	9	combat	combat	VERB
framr-4076	606	10	greenwashing	greenwashing	NOUN
framr-4076	606	11	and	and	CCONJ
framr-4076	606	12	fake	fake	ADJ
framr-4076	606	13	corporate	corporate	ADJ
framr-4076	606	14	social	social	ADJ
framr-4076	606	15	responsibility	responsibility	NOUN
framr-4076	606	16	,	,	PUNCT
framr-4076	606	17	such	such	ADJ
framr-4076	606	18	as	as	ADP
framr-4076	606	19	filing	file	VERB
framr-4076	606	20	claims	claim	NOUN
framr-4076	606	21	under	under	ADP
framr-4076	606	22	securities	security	NOUN
framr-4076	606	23	fraud	fraud	NOUN
framr-4076	606	24	laws	law	NOUN
framr-4076	606	25	,	,	PUNCT
framr-4076	606	26	pursuing	pursue	VERB
framr-4076	606	27	remedies	remedy	NOUN
framr-4076	606	28	under	under	ADP
framr-4076	606	29	false	false	ADJ
framr-4076	606	30	advertising	advertising	NOUN
framr-4076	606	31	laws	law	NOUN
framr-4076	606	32	,	,	PUNCT
framr-4076	606	33	establishing	establish	VERB
framr-4076	606	34	private	private	ADJ
framr-4076	606	35	standards	standard	NOUN
framr-4076	606	36	through	through	ADP
framr-4076	606	37	independent	independent	ADJ
framr-4076	606	38	groups	group	NOUN
framr-4076	606	39	or	or	CCONJ
framr-4076	606	40	other	other	ADJ
framr-4076	606	41	watchdogs	watchdog	NOUN
framr-4076	606	42	,	,	PUNCT
framr-4076	606	43	and	and	CCONJ
framr-4076	606	44	utilizing	utilize	VERB
framr-4076	606	45	the	the	DET
framr-4076	606	46	recently	recently	ADV
framr-4076	606	47	formed	form	VERB
framr-4076	606	48	bureau	bureau	NOUN
framr-4076	606	49	of	of	ADP
framr-4076	606	50	consumer	consumer	NOUN
framr-4076	606	51	financial	financial	ADJ
framr-4076	606	52	protection	protection	NOUN
framr-4076	606	53	.	.	PUNCT
framr-4076	607	1	few	few	ADJ
framr-4076	607	2	documented	document	VERB
framr-4076	607	3	instances	instance	NOUN
framr-4076	607	4	have	have	AUX
framr-4076	607	5	been	be	AUX
framr-4076	607	6	filed	file	VERB
framr-4076	607	7	based	base	VERB
framr-4076	607	8	on	on	ADP
framr-4076	607	9	the	the	DET
framr-4076	607	10	premise	premise	NOUN
framr-4076	607	11	of	of	ADP
framr-4076	607	12	fake	fake	ADJ
framr-4076	607	13	csr	csr	NOUN
framr-4076	607	14	for	for	ADP
framr-4076	607	15	deceptive	deceptive	ADJ
framr-4076	607	16	advertising	advertising	NOUN
framr-4076	607	17	,	,	PUNCT
framr-4076	607	18	and	and	CCONJ
framr-4076	607	19	the	the	DET
framr-4076	607	20	ones	one	NOUN
framr-4076	607	21	that	that	PRON
framr-4076	607	22	have	have	AUX
framr-4076	607	23	usually	usually	ADV
framr-4076	607	24	included	include	VERB
framr-4076	607	25	particular	particular	ADJ
framr-4076	607	26	product	product	NOUN
framr-4076	607	27	labels	label	NOUN
framr-4076	607	28	that	that	PRON
framr-4076	607	29	claimed	claim	VERB
framr-4076	607	30	the	the	DET
framr-4076	607	31	product	product	NOUN
framr-4076	607	32	was	be	AUX
framr-4076	607	33	"	"	PUNCT
framr-4076	607	34	green	green	ADJ
framr-4076	607	35	.	.	PUNCT
framr-4076	607	36	"	"	PUNCT
framr-4076	608	1	for	for	ADP
framr-4076	608	2	instance	instance	NOUN
framr-4076	608	3	,	,	PUNCT
framr-4076	608	4	successful	successful	ADJ
framr-4076	608	5	lawsuits	lawsuit	NOUN
framr-4076	608	6	have	have	AUX
framr-4076	608	7	been	be	AUX
framr-4076	608	8	brought	bring	VERB
framr-4076	608	9	against	against	ADP
framr-4076	608	10	pesticide	pesticide	NOUN
framr-4076	608	11	manufacturers	manufacturer	NOUN
framr-4076	608	12	that	that	PRON
framr-4076	608	13	falsely	falsely	ADV
framr-4076	608	14	advertise	advertise	VERB
framr-4076	608	15	their	their	PRON
framr-4076	608	16	financial	financial	ADJ
framr-4076	608	17	risk	risk	NOUN
framr-4076	608	18	and	and	CCONJ
framr-4076	608	19	management	management	NOUN
framr-4076	608	20	reviews	review	NOUN
framr-4076	608	21	,	,	PUNCT
framr-4076	608	22	2025	2025	NUM
framr-4076	608	23	,	,	PUNCT
framr-4076	608	24	11(1	11(1	NUM
framr-4076	608	25	):	):	PUNCT
framr-4076	608	26	37	37	NUM
framr-4076	608	27	-	-	SYM
framr-4076	608	28	71	71	NUM
framr-4076	608	29	59	59	NUM
framr-4076	608	30	©	©	PROPN
framr-4076	608	31	2025	2025	NUM
framr-4076	608	32	conscientia	conscientia	PROPN
framr-4076	608	33	beam	beam	PROPN
framr-4076	608	34	.	.	PUNCT
framr-4076	609	1	all	all	DET
framr-4076	609	2	rights	right	NOUN
framr-4076	609	3	reserved	reserve	VERB
framr-4076	609	4	.	.	PUNCT
framr-4076	610	1	products	product	NOUN
framr-4076	610	2	as	as	ADP
framr-4076	610	3	safe	safe	ADJ
framr-4076	610	4	or	or	CCONJ
framr-4076	610	5	eco	eco	NOUN
framr-4076	610	6	-	-	PUNCT
framr-4076	610	7	friendly	friendly	ADJ
framr-4076	610	8	.	.	PUNCT
framr-4076	611	1	furthermore	furthermore	ADV
framr-4076	611	2	,	,	PUNCT
framr-4076	611	3	lawsuits	lawsuit	NOUN
framr-4076	611	4	have	have	AUX
framr-4076	611	5	been	be	AUX
framr-4076	611	6	filed	file	VERB
framr-4076	611	7	based	base	VERB
framr-4076	611	8	on	on	ADP
framr-4076	611	9	the	the	DET
framr-4076	611	10	usage	usage	NOUN
framr-4076	611	11	of	of	ADP
framr-4076	611	12	terms	term	NOUN
framr-4076	611	13	like	like	ADP
framr-4076	611	14	"	"	PUNCT
framr-4076	611	15	biodegradable	biodegradable	ADJ
framr-4076	611	16	,	,	PUNCT
framr-4076	611	17	"	"	PUNCT
framr-4076	611	18	"	"	PUNCT
framr-4076	611	19	recycled	recycle	VERB
framr-4076	611	20	,	,	PUNCT
framr-4076	611	21	"	"	PUNCT
framr-4076	611	22	and	and	CCONJ
framr-4076	611	23	"	"	PUNCT
framr-4076	611	24	recyclable	recyclable	ADJ
framr-4076	611	25	,	,	PUNCT
framr-4076	611	26	"	"	PUNCT
framr-4076	611	27	all	all	PRON
framr-4076	611	28	of	of	ADP
framr-4076	611	29	which	which	PRON
framr-4076	611	30	have	have	VERB
framr-4076	611	31	tight	tight	ADJ
framr-4076	611	32	legal	legal	ADJ
framr-4076	611	33	meanings	meaning	NOUN
framr-4076	611	34	these	these	DET
framr-4076	611	35	days	day	NOUN
framr-4076	611	36	.	.	PUNCT
framr-4076	612	1	"	"	PUNCT
framr-4076	612	2	natural	natural	ADJ
framr-4076	612	3	gas	gas	NOUN
framr-4076	612	4	is	be	AUX
framr-4076	612	5	clean	clean	ADJ
framr-4076	612	6	"	"	PUNCT
framr-4076	612	7	and	and	CCONJ
framr-4076	612	8	"	"	PUNCT
framr-4076	612	9	natural	natural	ADJ
framr-4076	612	10	gas	gas	NOUN
framr-4076	612	11	is	be	AUX
framr-4076	612	12	a	a	DET
framr-4076	612	13	backup	backup	NOUN
framr-4076	612	14	for	for	ADP
framr-4076	612	15	renewable	renewable	ADJ
framr-4076	612	16	energy	energy	NOUN
framr-4076	612	17	"	"	PUNCT
framr-4076	612	18	are	be	AUX
framr-4076	612	19	two	two	NUM
framr-4076	612	20	of	of	ADP
framr-4076	612	21	the	the	DET
framr-4076	612	22	most	most	ADV
framr-4076	612	23	prevalent	prevalent	ADJ
framr-4076	612	24	assertions	assertion	NOUN
framr-4076	612	25	about	about	ADP
framr-4076	612	26	natural	natural	ADJ
framr-4076	612	27	gas	gas	NOUN
framr-4076	612	28	that	that	PRON
framr-4076	612	29	fall	fall	VERB
framr-4076	612	30	under	under	ADP
framr-4076	612	31	the	the	DET
framr-4076	612	32	category	category	NOUN
framr-4076	612	33	of	of	ADP
framr-4076	612	34	"	"	PUNCT
framr-4076	612	35	greenwashing	greenwashing	NOUN
framr-4076	612	36	"	"	PUNCT
framr-4076	612	37	(	(	PUNCT
framr-4076	612	38	clientearth	clientearth	NOUN
framr-4076	612	39	communications	communication	NOUN
framr-4076	612	40	,	,	PUNCT
framr-4076	612	41	2021	2021	NUM
framr-4076	612	42	)	)	PUNCT
framr-4076	612	43	.	.	PUNCT
framr-4076	613	1	examining	examine	VERB
framr-4076	613	2	the	the	DET
framr-4076	613	3	eu	eu	PROPN
framr-4076	613	4	's	's	PART
framr-4076	613	5	taxonomy	taxonomy	ADJ
framr-4076	613	6	regulation	regulation	NOUN
framr-4076	613	7	and	and	CCONJ
framr-4076	613	8	delegated	delegate	VERB
framr-4076	613	9	actions	action	NOUN
framr-4076	613	10	is	be	AUX
framr-4076	613	11	one	one	NUM
framr-4076	613	12	of	of	ADP
framr-4076	613	13	the	the	DET
framr-4076	613	14	most	most	ADV
framr-4076	613	15	important	important	ADJ
framr-4076	613	16	legislative	legislative	ADJ
framr-4076	613	17	processes	process	NOUN
framr-4076	613	18	.	.	PUNCT
framr-4076	614	1	july	july	PROPN
framr-4076	614	2	2020	2020	NUM
framr-4076	614	3	saw	see	VERB
framr-4076	614	4	the	the	DET
framr-4076	614	5	implementation	implementation	NOUN
framr-4076	614	6	of	of	ADP
framr-4076	614	7	the	the	DET
framr-4076	614	8	eu	eu	PROPN
framr-4076	614	9	's	's	PART
framr-4076	614	10	taxonomy	taxonomy	NOUN
framr-4076	614	11	,	,	PUNCT
framr-4076	614	12	which	which	PRON
framr-4076	614	13	entails	entail	VERB
framr-4076	614	14	an	an	DET
framr-4076	614	15	analysis	analysis	NOUN
framr-4076	614	16	of	of	ADP
framr-4076	614	17	present	present	ADJ
framr-4076	614	18	regulations	regulation	NOUN
framr-4076	614	19	.	.	PUNCT
framr-4076	615	1	its	its	PRON
framr-4076	615	2	foundational	foundational	ADJ
framr-4076	615	3	idea	idea	NOUN
framr-4076	615	4	is	be	AUX
framr-4076	615	5	to	to	PART
framr-4076	615	6	make	make	VERB
framr-4076	615	7	it	it	PRON
framr-4076	615	8	possible	possible	ADJ
framr-4076	615	9	for	for	SCONJ
framr-4076	615	10	society	society	NOUN
framr-4076	615	11	to	to	PART
framr-4076	615	12	meet	meet	VERB
framr-4076	615	13	the	the	DET
framr-4076	615	14	energy	energy	NOUN
framr-4076	615	15	and	and	CCONJ
framr-4076	615	16	climate	climate	NOUN
framr-4076	615	17	goals	goal	NOUN
framr-4076	615	18	outlined	outline	VERB
framr-4076	615	19	in	in	ADP
framr-4076	615	20	the	the	DET
framr-4076	615	21	european	european	PROPN
framr-4076	615	22	green	green	PROPN
framr-4076	615	23	deal	deal	NOUN
framr-4076	615	24	and	and	CCONJ
framr-4076	615	25	set	set	VERB
framr-4076	615	26	for	for	ADP
framr-4076	615	27	2030	2030	NUM
framr-4076	615	28	.	.	PUNCT
framr-4076	616	1	the	the	DET
framr-4076	616	2	european	european	ADJ
framr-4076	616	3	lawmaker	lawmaker	NOUN
framr-4076	616	4	believed	believe	VERB
framr-4076	616	5	that	that	SCONJ
framr-4076	616	6	these	these	DET
framr-4076	616	7	accomplishments	accomplishment	NOUN
framr-4076	616	8	could	could	AUX
framr-4076	616	9	only	only	ADV
framr-4076	616	10	be	be	AUX
framr-4076	616	11	made	make	VERB
framr-4076	616	12	feasible	feasible	ADJ
framr-4076	616	13	by	by	ADP
framr-4076	616	14	having	have	VERB
framr-4076	616	15	a	a	DET
framr-4076	616	16	clear	clear	ADJ
framr-4076	616	17	grasp	grasp	NOUN
framr-4076	616	18	of	of	ADP
framr-4076	616	19	the	the	DET
framr-4076	616	20	ideas	idea	NOUN
framr-4076	616	21	that	that	PRON
framr-4076	616	22	go	go	VERB
framr-4076	616	23	into	into	ADP
framr-4076	616	24	creating	create	VERB
framr-4076	616	25	the	the	DET
framr-4076	616	26	word	word	NOUN
framr-4076	616	27	"	"	PUNCT
framr-4076	616	28	sustainable	sustainable	ADJ
framr-4076	616	29	.	.	PUNCT
framr-4076	616	30	"	"	PUNCT
framr-4076	617	1	this	this	PRON
framr-4076	617	2	led	lead	VERB
framr-4076	617	3	to	to	ADP
framr-4076	617	4	the	the	DET
framr-4076	617	5	creation	creation	NOUN
framr-4076	617	6	of	of	ADP
framr-4076	617	7	the	the	DET
framr-4076	617	8	eu	eu	PROPN
framr-4076	617	9	taxonomy	taxonomy	NOUN
framr-4076	617	10	,	,	PUNCT
framr-4076	617	11	a	a	DET
framr-4076	617	12	uniform	uniform	ADJ
framr-4076	617	13	classification	classification	NOUN
framr-4076	617	14	scheme	scheme	NOUN
framr-4076	617	15	for	for	ADP
framr-4076	617	16	sustainable	sustainable	ADJ
framr-4076	617	17	economic	economic	ADJ
framr-4076	617	18	endeavours	endeavour	NOUN
framr-4076	617	19	(	(	PUNCT
framr-4076	617	20	zych	zych	NOUN
framr-4076	617	21	,	,	PUNCT
framr-4076	617	22	budka	budka	ADJ
framr-4076	617	23	,	,	PUNCT
framr-4076	617	24	czarnecka	czarnecka	ADJ
framr-4076	617	25	,	,	PUNCT
framr-4076	617	26	kinelski	kinelski	PROPN
framr-4076	617	27	,	,	PUNCT
framr-4076	617	28	&	&	CCONJ
framr-4076	617	29	wójcik	wójcik	PROPN
framr-4076	617	30	-	-	PUNCT
framr-4076	617	31	jurkiewicz	jurkiewicz	PROPN
framr-4076	617	32	,	,	PUNCT
framr-4076	617	33	2021	2021	NUM
framr-4076	617	34	)	)	PUNCT
framr-4076	617	35	.	.	PUNCT
framr-4076	618	1	the	the	DET
framr-4076	618	2	european	european	PROPN
framr-4076	618	3	commission	commission	PROPN
framr-4076	618	4	has	have	AUX
framr-4076	618	5	stated	state	VERB
framr-4076	618	6	that	that	SCONJ
framr-4076	618	7	the	the	DET
framr-4076	618	8	regulation	regulation	NOUN
framr-4076	618	9	under	under	ADP
framr-4076	618	10	consideration	consideration	NOUN
framr-4076	618	11	seeks	seek	VERB
framr-4076	618	12	to	to	PART
framr-4076	618	13	achieve	achieve	VERB
framr-4076	618	14	six	six	NUM
framr-4076	618	15	environmental	environmental	ADJ
framr-4076	618	16	goals	goal	NOUN
framr-4076	618	17	:	:	PUNCT
framr-4076	618	18	preventing	prevent	VERB
framr-4076	618	19	and	and	CCONJ
framr-4076	618	20	controlling	control	VERB
framr-4076	618	21	pollution	pollution	NOUN
framr-4076	618	22	,	,	PUNCT
framr-4076	618	23	promoting	promote	VERB
framr-4076	618	24	the	the	DET
framr-4076	618	25	transition	transition	NOUN
framr-4076	618	26	to	to	ADP
framr-4076	618	27	a	a	DET
framr-4076	618	28	circular	circular	ADJ
framr-4076	618	29	economy	economy	NOUN
framr-4076	618	30	,	,	PUNCT
framr-4076	618	31	protecting	protect	VERB
framr-4076	618	32	and	and	CCONJ
framr-4076	618	33	restoring	restore	VERB
framr-4076	618	34	biodiversity	biodiversity	NOUN
framr-4076	618	35	and	and	CCONJ
framr-4076	618	36	ecosystems	ecosystem	NOUN
framr-4076	618	37	,	,	PUNCT
framr-4076	618	38	adapting	adapt	VERB
framr-4076	618	39	to	to	ADP
framr-4076	618	40	and	and	CCONJ
framr-4076	618	41	mitigating	mitigate	VERB
framr-4076	618	42	the	the	DET
framr-4076	618	43	effects	effect	NOUN
framr-4076	618	44	of	of	ADP
framr-4076	618	45	climate	climate	NOUN
framr-4076	618	46	change	change	NOUN
framr-4076	618	47	,	,	PUNCT
framr-4076	618	48	and	and	CCONJ
framr-4076	618	49	sustainable	sustainable	ADJ
framr-4076	618	50	use	use	NOUN
framr-4076	618	51	and	and	CCONJ
framr-4076	618	52	protection	protection	NOUN
framr-4076	618	53	of	of	ADP
framr-4076	618	54	water	water	NOUN
framr-4076	618	55	and	and	CCONJ
framr-4076	618	56	marine	marine	ADJ
framr-4076	618	57	resources	resource	NOUN
framr-4076	618	58	.	.	PUNCT
framr-4076	619	1	by	by	ADP
framr-4076	619	2	defining	define	VERB
framr-4076	619	3	a	a	DET
framr-4076	619	4	particular	particular	ADJ
framr-4076	619	5	list	list	NOUN
framr-4076	619	6	of	of	ADP
framr-4076	619	7	ecologically	ecologically	ADV
framr-4076	619	8	sustainable	sustainable	ADJ
framr-4076	619	9	activities	activity	NOUN
framr-4076	619	10	,	,	PUNCT
framr-4076	619	11	these	these	DET
framr-4076	619	12	goals	goal	NOUN
framr-4076	619	13	can	can	AUX
framr-4076	619	14	be	be	AUX
framr-4076	619	15	accomplished	accomplish	VERB
framr-4076	619	16	.	.	PUNCT
framr-4076	620	1	6.1.2	6.1.2	NUM
framr-4076	620	2	.	.	PUNCT
framr-4076	620	3	proposed	propose	VERB
framr-4076	620	4	regulatory	regulatory	ADJ
framr-4076	620	5	improvements	improvement	NOUN
framr-4076	620	6	•	•	ADV
framr-4076	620	7	disregarding	disregard	VERB
framr-4076	620	8	the	the	DET
framr-4076	620	9	validity	validity	NOUN
framr-4076	620	10	of	of	ADP
framr-4076	620	11	the	the	DET
framr-4076	620	12	mounting	mount	VERB
framr-4076	620	13	demands	demand	NOUN
framr-4076	620	14	,	,	PUNCT
framr-4076	620	15	in	in	ADP
framr-4076	620	16	addition	addition	NOUN
framr-4076	620	17	to	to	ADP
framr-4076	620	18	positive	positive	ADJ
framr-4076	620	19	environmental	environmental	ADJ
framr-4076	620	20	initiatives	initiative	NOUN
framr-4076	620	21	and	and	CCONJ
framr-4076	620	22	actions	action	NOUN
framr-4076	620	23	like	like	ADP
framr-4076	620	24	the	the	DET
framr-4076	620	25	advancement	advancement	NOUN
framr-4076	620	26	of	of	ADP
framr-4076	620	27	renewable	renewable	ADJ
framr-4076	620	28	energy	energy	NOUN
framr-4076	620	29	,	,	PUNCT
framr-4076	620	30	the	the	DET
framr-4076	620	31	creation	creation	NOUN
framr-4076	620	32	of	of	ADP
framr-4076	620	33	sustainable	sustainable	ADJ
framr-4076	620	34	urban	urban	ADJ
framr-4076	620	35	planning	planning	NOUN
framr-4076	620	36	(	(	PUNCT
framr-4076	620	37	smart	smart	ADJ
framr-4076	620	38	cities	city	NOUN
framr-4076	620	39	)	)	PUNCT
framr-4076	620	40	,	,	PUNCT
framr-4076	620	41	or	or	CCONJ
framr-4076	620	42	national	national	ADJ
framr-4076	620	43	commitments	commitment	NOUN
framr-4076	620	44	to	to	PART
framr-4076	620	45	cut	cut	VERB
framr-4076	620	46	greenhouse	greenhouse	NOUN
framr-4076	620	47	gas	gas	NOUN
framr-4076	620	48	emissions	emission	NOUN
framr-4076	620	49	within	within	ADP
framr-4076	620	50	a	a	DET
framr-4076	620	51	given	give	VERB
framr-4076	620	52	period	period	NOUN
framr-4076	620	53	,	,	PUNCT
framr-4076	620	54	negative	negative	ADJ
framr-4076	620	55	mechanisms	mechanism	NOUN
framr-4076	620	56	like	like	ADP
framr-4076	620	57	greenwashing	greenwashing	NOUN
framr-4076	620	58	are	be	AUX
framr-4076	620	59	also	also	ADV
framr-4076	620	60	beginning	begin	VERB
framr-4076	620	61	to	to	PART
framr-4076	620	62	emerge	emerge	VERB
framr-4076	620	63	(	(	PUNCT
framr-4076	620	64	zych	zych	NOUN
framr-4076	620	65	et	et	NOUN
framr-4076	620	66	al	al	PROPN
framr-4076	620	67	.	.	PROPN
framr-4076	620	68	,	,	PUNCT
framr-4076	620	69	2021	2021	NUM
framr-4076	620	70	)	)	PUNCT
framr-4076	620	71	.	.	PUNCT
framr-4076	621	1	•	•	INTJ
framr-4076	621	2	it	it	PRON
framr-4076	621	3	should	should	AUX
framr-4076	621	4	be	be	AUX
framr-4076	621	5	emphasized	emphasize	VERB
framr-4076	621	6	that	that	SCONJ
framr-4076	621	7	preventing	prevent	VERB
framr-4076	621	8	greenwashing	greenwashing	NOUN
framr-4076	621	9	techniques	technique	NOUN
framr-4076	621	10	by	by	ADP
framr-4076	621	11	giving	give	VERB
framr-4076	621	12	lawmakers	lawmaker	NOUN
framr-4076	621	13	,	,	PUNCT
framr-4076	621	14	investors	investor	NOUN
framr-4076	621	15	,	,	PUNCT
framr-4076	621	16	and	and	CCONJ
framr-4076	621	17	private	private	ADJ
framr-4076	621	18	parties	party	NOUN
framr-4076	621	19	precise	precise	ADJ
framr-4076	621	20	guidelines	guideline	NOUN
framr-4076	621	21	on	on	ADP
framr-4076	621	22	what	what	PRON
framr-4076	621	23	constitutes	constitute	VERB
framr-4076	621	24	sustainable	sustainable	ADJ
framr-4076	621	25	operations	operation	NOUN
framr-4076	621	26	is	be	AUX
framr-4076	621	27	one	one	NUM
framr-4076	621	28	of	of	ADP
framr-4076	621	29	the	the	DET
framr-4076	621	30	primary	primary	ADJ
framr-4076	621	31	goals	goal	NOUN
framr-4076	621	32	of	of	ADP
framr-4076	621	33	this	this	DET
framr-4076	621	34	certification	certification	NOUN
framr-4076	621	35	system	system	NOUN
framr-4076	621	36	.	.	PUNCT
framr-4076	622	1	these	these	PRON
framr-4076	622	2	endeavours	endeavour	VERB
framr-4076	622	3	aim	aim	VERB
framr-4076	622	4	to	to	PART
framr-4076	622	5	appropriately	appropriately	ADV
framr-4076	622	6	focus	focus	VERB
framr-4076	622	7	on	on	ADP
framr-4076	622	8	two	two	NUM
framr-4076	622	9	things	thing	NOUN
framr-4076	622	10	:	:	PUNCT
framr-4076	622	11	private	private	ADJ
framr-4076	622	12	investment	investment	NOUN
framr-4076	622	13	(	(	PUNCT
framr-4076	622	14	for	for	ADP
framr-4076	622	15	investors	investor	NOUN
framr-4076	622	16	and	and	CCONJ
framr-4076	622	17	other	other	ADJ
framr-4076	622	18	private	private	ADJ
framr-4076	622	19	players	player	NOUN
framr-4076	622	20	)	)	PUNCT
framr-4076	622	21	and	and	CCONJ
framr-4076	622	22	maybe	maybe	ADV
framr-4076	622	23	governmental	governmental	ADJ
framr-4076	622	24	subsidies	subsidy	NOUN
framr-4076	622	25	or	or	CCONJ
framr-4076	622	26	other	other	ADJ
framr-4076	622	27	types	type	NOUN
framr-4076	622	28	of	of	ADP
framr-4076	622	29	assistance	assistance	NOUN
framr-4076	622	30	(	(	PUNCT
framr-4076	622	31	for	for	ADP
framr-4076	622	32	lawmakers	lawmaker	NOUN
framr-4076	622	33	)	)	PUNCT
framr-4076	622	34	.	.	PUNCT
framr-4076	623	1	•	•	INTJ
framr-4076	623	2	it	it	PRON
framr-4076	623	3	is	be	AUX
framr-4076	623	4	important	important	ADJ
framr-4076	623	5	to	to	PART
framr-4076	623	6	acknowledge	acknowledge	VERB
framr-4076	623	7	that	that	SCONJ
framr-4076	623	8	,	,	PUNCT
framr-4076	623	9	despite	despite	SCONJ
framr-4076	623	10	the	the	DET
framr-4076	623	11	examination	examination	NOUN
framr-4076	623	12	of	of	ADP
framr-4076	623	13	the	the	DET
framr-4076	623	14	regulator	regulator	NOUN
framr-4076	623	15	's	's	PART
framr-4076	623	16	actions	action	NOUN
framr-4076	623	17	through	through	ADP
framr-4076	623	18	the	the	DET
framr-4076	623	19	lens	lens	NOUN
framr-4076	623	20	of	of	ADP
framr-4076	623	21	greenwashing	greenwashing	NOUN
framr-4076	623	22	,	,	PUNCT
framr-4076	623	23	such	such	ADJ
framr-4076	623	24	regulation	regulation	NOUN
framr-4076	623	25	,	,	PUNCT
framr-4076	623	26	particularly	particularly	ADV
framr-4076	623	27	when	when	SCONJ
framr-4076	623	28	aimed	aim	VERB
framr-4076	623	29	at	at	ADP
framr-4076	623	30	influencing	influence	VERB
framr-4076	623	31	private	private	ADJ
framr-4076	623	32	entities	entity	NOUN
framr-4076	623	33	'	'	PART
framr-4076	623	34	actions	action	NOUN
framr-4076	623	35	,	,	PUNCT
framr-4076	623	36	may	may	AUX
framr-4076	623	37	inadvertently	inadvertently	ADV
framr-4076	623	38	foster	foster	VERB
framr-4076	623	39	the	the	DET
framr-4076	623	40	proliferation	proliferation	NOUN
framr-4076	623	41	of	of	ADP
framr-4076	623	42	greenwashing	greenwashing	NOUN
framr-4076	623	43	activities	activity	NOUN
framr-4076	623	44	within	within	ADP
framr-4076	623	45	the	the	DET
framr-4076	623	46	market	market	NOUN
framr-4076	623	47	.	.	PUNCT
framr-4076	624	1	•	•	NUM
framr-4076	624	2	gatti	gatti	PROPN
framr-4076	624	3	,	,	PUNCT
framr-4076	624	4	seele	seele	PROPN
framr-4076	624	5	,	,	PUNCT
framr-4076	624	6	and	and	CCONJ
framr-4076	624	7	rademacher	rademacher	ADJ
framr-4076	624	8	(	(	PUNCT
framr-4076	624	9	2019	2019	NUM
framr-4076	624	10	)	)	PUNCT
framr-4076	624	11	suggest	suggest	VERB
framr-4076	624	12	that	that	SCONJ
framr-4076	624	13	a	a	DET
framr-4076	624	14	mix	mix	NOUN
framr-4076	624	15	of	of	ADP
framr-4076	624	16	required	require	VERB
framr-4076	624	17	and	and	CCONJ
framr-4076	624	18	voluntary	voluntary	ADJ
framr-4076	624	19	measures	measure	NOUN
framr-4076	624	20	might	might	AUX
framr-4076	624	21	be	be	AUX
framr-4076	624	22	a	a	DET
framr-4076	624	23	better	well	ADJ
framr-4076	624	24	way	way	NOUN
framr-4076	624	25	to	to	PART
framr-4076	624	26	stop	stop	VERB
framr-4076	624	27	greenwashing	greenwashe	VERB
framr-4076	624	28	.	.	PUNCT
framr-4076	625	1	the	the	DET
framr-4076	625	2	new	new	ADJ
framr-4076	625	3	paradigm	paradigm	NOUN
framr-4076	625	4	should	should	AUX
framr-4076	625	5	encourage	encourage	VERB
framr-4076	625	6	innovative	innovative	ADJ
framr-4076	625	7	and	and	CCONJ
framr-4076	625	8	successful	successful	ADJ
framr-4076	625	9	corporate	corporate	ADJ
framr-4076	625	10	social	social	ADJ
framr-4076	625	11	responsibility	responsibility	NOUN
framr-4076	625	12	(	(	PUNCT
framr-4076	625	13	csr	csr	NOUN
framr-4076	625	14	)	)	PUNCT
framr-4076	625	15	activities	activity	NOUN
framr-4076	625	16	while	while	SCONJ
framr-4076	625	17	also	also	ADV
framr-4076	625	18	defining	define	VERB
framr-4076	625	19	the	the	DET
framr-4076	625	20	boundaries	boundary	NOUN
framr-4076	625	21	and	and	CCONJ
framr-4076	625	22	guidelines	guideline	NOUN
framr-4076	625	23	for	for	ADP
framr-4076	625	24	their	their	PRON
framr-4076	625	25	implementation	implementation	NOUN
framr-4076	625	26	and	and	CCONJ
framr-4076	625	27	dissemination	dissemination	NOUN
framr-4076	625	28	,	,	PUNCT
framr-4076	625	29	as	as	SCONJ
framr-4076	625	30	companies	company	NOUN
framr-4076	625	31	run	run	VERB
framr-4076	625	32	the	the	DET
framr-4076	625	33	danger	danger	NOUN
framr-4076	625	34	of	of	ADP
framr-4076	625	35	breaking	break	VERB
framr-4076	625	36	the	the	DET
framr-4076	625	37	law	law	NOUN
framr-4076	625	38	by	by	ADP
framr-4076	625	39	overstretching	overstretch	VERB
framr-4076	625	40	their	their	PRON
framr-4076	625	41	csr	csr	NOUN
framr-4076	625	42	messaging	messaging	NOUN
framr-4076	625	43	.	.	PUNCT
framr-4076	626	1	•	•	NUM
framr-4076	626	2	amendments	amendment	NOUN
framr-4076	626	3	do	do	AUX
framr-4076	626	4	not	not	PART
framr-4076	626	5	and	and	CCONJ
framr-4076	626	6	ought	ought	AUX
framr-4076	626	7	not	not	PART
framr-4076	626	8	to	to	PART
framr-4076	626	9	shield	shield	VERB
framr-4076	626	10	corporate	corporate	ADJ
framr-4076	626	11	actors	actor	NOUN
framr-4076	626	12	from	from	ADP
framr-4076	626	13	liability	liability	NOUN
framr-4076	626	14	for	for	ADP
framr-4076	626	15	making	make	VERB
framr-4076	626	16	untrue	untrue	ADJ
framr-4076	626	17	or	or	CCONJ
framr-4076	626	18	deceptive	deceptive	ADJ
framr-4076	626	19	claims	claim	NOUN
framr-4076	626	20	about	about	ADP
framr-4076	626	21	how	how	SCONJ
framr-4076	626	22	their	their	PRON
framr-4076	626	23	operations	operation	NOUN
framr-4076	626	24	would	would	AUX
framr-4076	626	25	be	be	AUX
framr-4076	626	26	affected	affect	VERB
framr-4076	626	27	by	by	ADP
framr-4076	626	28	climate	climate	NOUN
framr-4076	626	29	change	change	NOUN
framr-4076	626	30	,	,	PUNCT
framr-4076	626	31	how	how	SCONJ
framr-4076	626	32	their	their	PRON
framr-4076	626	33	company	company	NOUN
framr-4076	626	34	will	will	AUX
framr-4076	626	35	be	be	AUX
framr-4076	626	36	affected	affect	VERB
framr-4076	626	37	by	by	ADP
framr-4076	626	38	it	it	PRON
framr-4076	626	39	,	,	PUNCT
framr-4076	626	40	or	or	CCONJ
framr-4076	626	41	about	about	ADP
framr-4076	626	42	their	their	PRON
framr-4076	626	43	plans	plan	NOUN
framr-4076	626	44	and	and	CCONJ
framr-4076	626	45	commitments	commitment	NOUN
framr-4076	626	46	on	on	ADP
framr-4076	626	47	climate	climate	NOUN
framr-4076	626	48	change	change	NOUN
framr-4076	626	49	(	(	PUNCT
framr-4076	626	50	shanor	shanor	NOUN
framr-4076	626	51	&	&	CCONJ
framr-4076	626	52	light	light	NOUN
framr-4076	626	53	,	,	PUNCT
framr-4076	626	54	2022	2022	NUM
framr-4076	626	55	)	)	PUNCT
framr-4076	626	56	.	.	PUNCT
framr-4076	627	1	•	•	NUM
framr-4076	627	2	additionally	additionally	ADV
framr-4076	627	3	,	,	PUNCT
framr-4076	627	4	it	it	PRON
framr-4076	627	5	would	would	AUX
framr-4076	627	6	be	be	AUX
framr-4076	627	7	beneficial	beneficial	ADJ
framr-4076	627	8	if	if	SCONJ
framr-4076	627	9	the	the	DET
framr-4076	627	10	green	green	ADJ
framr-4076	627	11	guides	guide	NOUN
framr-4076	627	12	addressed	address	VERB
framr-4076	627	13	and	and	CCONJ
framr-4076	627	14	standardized	standardize	VERB
framr-4076	627	15	the	the	DET
framr-4076	627	16	kinds	kind	NOUN
framr-4076	627	17	of	of	ADP
framr-4076	627	18	research	research	NOUN
framr-4076	627	19	and	and	CCONJ
framr-4076	627	20	methods	method	NOUN
framr-4076	627	21	that	that	PRON
framr-4076	627	22	are	be	AUX
framr-4076	627	23	allowed	allow	VERB
framr-4076	627	24	to	to	PART
framr-4076	627	25	back	back	VERB
framr-4076	627	26	up	up	ADP
framr-4076	627	27	certain	certain	ADJ
framr-4076	627	28	assertions	assertion	NOUN
framr-4076	627	29	.	.	PUNCT
framr-4076	628	1	should	should	AUX
framr-4076	628	2	a	a	DET
framr-4076	628	3	lifecycle	lifecycle	NOUN
framr-4076	628	4	evaluation	evaluation	NOUN
framr-4076	628	5	be	be	AUX
framr-4076	628	6	carried	carry	VERB
framr-4076	628	7	out	out	ADP
framr-4076	628	8	by	by	ADP
framr-4076	628	9	the	the	DET
framr-4076	628	10	paper	paper	NOUN
framr-4076	628	11	business	business	NOUN
framr-4076	628	12	itself	itself	PRON
framr-4076	628	13	,	,	PUNCT
framr-4076	628	14	by	by	ADP
framr-4076	628	15	outside	outside	ADJ
framr-4076	628	16	scientists	scientist	NOUN
framr-4076	628	17	,	,	PUNCT
framr-4076	628	18	or	or	CCONJ
framr-4076	628	19	by	by	ADP
framr-4076	628	20	firm	firm	ADJ
framr-4076	628	21	staff	staff	NOUN
framr-4076	628	22	on	on	ADP
framr-4076	628	23	behalf	behalf	NOUN
framr-4076	628	24	of	of	ADP
framr-4076	628	25	industry	industry	NOUN
framr-4076	628	26	associations	association	NOUN
framr-4076	628	27	?	?	PUNCT
framr-4076	629	1	which	which	PRON
framr-4076	629	2	,	,	PUNCT
framr-4076	629	3	if	if	SCONJ
framr-4076	629	4	any	any	PRON
framr-4076	629	5	,	,	PUNCT
framr-4076	629	6	statements	statement	NOUN
framr-4076	629	7	need	need	VERB
framr-4076	629	8	to	to	PART
framr-4076	629	9	be	be	AUX
framr-4076	629	10	supported	support	VERB
framr-4076	629	11	by	by	ADP
framr-4076	629	12	research	research	NOUN
framr-4076	629	13	that	that	PRON
framr-4076	629	14	adheres	adhere	VERB
framr-4076	629	15	to	to	ADP
framr-4076	629	16	particular	particular	ADJ
framr-4076	629	17	criteria	criterion	NOUN
framr-4076	629	18	—	—	PUNCT
framr-4076	629	19	like	like	ADP
framr-4076	629	20	being	be	AUX
framr-4076	629	21	double	double	ADJ
framr-4076	629	22	-	-	PUNCT
framr-4076	629	23	blind	blind	ADJ
framr-4076	629	24	or	or	CCONJ
framr-4076	629	25	randomized	randomize	VERB
framr-4076	629	26	controlled	control	VERB
framr-4076	629	27	trials	trial	NOUN
framr-4076	629	28	,	,	PUNCT
framr-4076	629	29	for	for	ADP
framr-4076	629	30	example	example	NOUN
framr-4076	629	31	?	?	PUNCT
framr-4076	630	1	which	which	PRON
framr-4076	630	2	of	of	ADP
framr-4076	630	3	these	these	DET
framr-4076	630	4	data	datum	NOUN
framr-4076	630	5	should	should	AUX
framr-4076	630	6	be	be	AUX
framr-4076	630	7	available	available	ADJ
framr-4076	630	8	to	to	ADP
framr-4076	630	9	scholars	scholar	NOUN
framr-4076	630	10	,	,	PUNCT
framr-4076	630	11	decisionmakers	decisionmaker	NOUN
framr-4076	630	12	,	,	PUNCT
framr-4076	630	13	and	and	CCONJ
framr-4076	630	14	the	the	DET
framr-4076	630	15	general	general	ADJ
framr-4076	630	16	public	public	NOUN
framr-4076	630	17	,	,	PUNCT
framr-4076	630	18	and	and	CCONJ
framr-4076	630	19	which	which	PRON
framr-4076	630	20	,	,	PUNCT
framr-4076	630	21	if	if	SCONJ
framr-4076	630	22	any	any	PRON
framr-4076	630	23	,	,	PUNCT
framr-4076	630	24	must	must	AUX
framr-4076	630	25	be	be	AUX
framr-4076	630	26	reported	report	VERB
framr-4076	630	27	to	to	ADP
framr-4076	630	28	the	the	DET
framr-4076	630	29	ftc	ftc	PROPN
framr-4076	630	30	(	(	PUNCT
framr-4076	630	31	shanor	shanor	NOUN
framr-4076	630	32	&	&	CCONJ
framr-4076	630	33	light	light	NOUN
framr-4076	630	34	,	,	PUNCT
framr-4076	630	35	2022	2022	NUM
framr-4076	630	36	)	)	PUNCT
framr-4076	630	37	?	?	PUNCT
framr-4076	631	1	financial	financial	ADJ
framr-4076	631	2	risk	risk	NOUN
framr-4076	631	3	and	and	CCONJ
framr-4076	631	4	management	management	NOUN
framr-4076	631	5	reviews	review	NOUN
framr-4076	631	6	,	,	PUNCT
framr-4076	631	7	2025	2025	NUM
framr-4076	631	8	,	,	PUNCT
framr-4076	631	9	11(1	11(1	NUM
framr-4076	631	10	):	):	PUNCT
framr-4076	631	11	37	37	NUM
framr-4076	631	12	-	-	SYM
framr-4076	631	13	71	71	NUM
framr-4076	631	14	60	60	NUM
framr-4076	631	15	©	©	PROPN
framr-4076	631	16	2025	2025	NUM
framr-4076	631	17	conscientia	conscientia	PROPN
framr-4076	631	18	beam	beam	PROPN
framr-4076	631	19	.	.	PUNCT
framr-4076	632	1	all	all	DET
framr-4076	632	2	rights	right	NOUN
framr-4076	632	3	reserved	reserve	VERB
framr-4076	632	4	.	.	PUNCT
framr-4076	633	1	6.2	6.2	NUM
framr-4076	633	2	.	.	PUNCT
framr-4076	633	3	industry	industry	NOUN
framr-4076	633	4	standards	standard	NOUN
framr-4076	633	5	and	and	CCONJ
framr-4076	633	6	certifications	certification	NOUN
framr-4076	633	7	the	the	DET
framr-4076	633	8	belief	belief	NOUN
framr-4076	633	9	that	that	SCONJ
framr-4076	633	10	the	the	DET
framr-4076	633	11	organizations	organization	NOUN
framr-4076	633	12	responsible	responsible	ADJ
framr-4076	633	13	for	for	ADP
framr-4076	633	14	determining	determine	VERB
framr-4076	633	15	whether	whether	SCONJ
framr-4076	633	16	a	a	DET
framr-4076	633	17	certifying	certify	VERB
framr-4076	633	18	organization	organization	NOUN
framr-4076	633	19	is	be	AUX
framr-4076	633	20	appropriate	appropriate	ADJ
framr-4076	633	21	are	be	AUX
framr-4076	633	22	reliable	reliable	ADJ
framr-4076	633	23	,	,	PUNCT
framr-4076	633	24	competent	competent	ADJ
framr-4076	633	25	,	,	PUNCT
framr-4076	633	26	and	and	CCONJ
framr-4076	633	27	trustworthy	trustworthy	ADJ
framr-4076	633	28	in	in	ADP
framr-4076	633	29	their	their	PRON
framr-4076	633	30	work	work	NOUN
framr-4076	633	31	is	be	AUX
framr-4076	633	32	the	the	DET
framr-4076	633	33	cornerstone	cornerstone	NOUN
framr-4076	633	34	of	of	ADP
framr-4076	633	35	institutional	institutional	ADJ
framr-4076	633	36	trust	trust	NOUN
framr-4076	633	37	.	.	PUNCT
framr-4076	634	1	to	to	PART
framr-4076	634	2	ensure	ensure	VERB
framr-4076	634	3	that	that	SCONJ
framr-4076	634	4	the	the	DET
framr-4076	634	5	environmental	environmental	ADJ
framr-4076	634	6	and	and	CCONJ
framr-4076	634	7	social	social	ADJ
framr-4076	634	8	performance	performance	NOUN
framr-4076	634	9	they	they	PRON
framr-4076	634	10	certify	certify	VERB
framr-4076	634	11	is	be	AUX
framr-4076	634	12	reliable	reliable	ADJ
framr-4076	634	13	and	and	CCONJ
framr-4076	634	14	not	not	PART
framr-4076	634	15	dishonest	dishonest	ADJ
framr-4076	634	16	or	or	CCONJ
framr-4076	634	17	fraudulent	fraudulent	ADJ
framr-4076	634	18	,	,	PUNCT
framr-4076	634	19	for	for	ADP
framr-4076	634	20	example	example	NOUN
framr-4076	634	21	,	,	PUNCT
framr-4076	634	22	organizations	organization	NOUN
framr-4076	634	23	that	that	PRON
framr-4076	634	24	provide	provide	VERB
framr-4076	634	25	green	green	ADJ
framr-4076	634	26	certifications	certification	NOUN
framr-4076	634	27	rely	rely	VERB
framr-4076	634	28	on	on	ADP
framr-4076	634	29	institutional	institutional	ADJ
framr-4076	634	30	trust	trust	NOUN
framr-4076	634	31	.	.	PUNCT
framr-4076	635	1	although	although	SCONJ
framr-4076	635	2	certifications	certification	NOUN
framr-4076	635	3	play	play	VERB
framr-4076	635	4	a	a	DET
framr-4076	635	5	major	major	ADJ
framr-4076	635	6	role	role	NOUN
framr-4076	635	7	in	in	ADP
framr-4076	635	8	the	the	DET
framr-4076	635	9	global	global	ADJ
framr-4076	635	10	sustainability	sustainability	NOUN
framr-4076	635	11	movement	movement	NOUN
framr-4076	635	12	,	,	PUNCT
framr-4076	635	13	changing	change	VERB
framr-4076	635	14	market	market	NOUN
framr-4076	635	15	and	and	CCONJ
framr-4076	635	16	technology	technology	NOUN
framr-4076	635	17	factors	factor	NOUN
framr-4076	635	18	may	may	AUX
framr-4076	635	19	eventually	eventually	ADV
framr-4076	635	20	erode	erode	VERB
framr-4076	635	21	institutional	institutional	ADJ
framr-4076	635	22	trust	trust	NOUN
framr-4076	635	23	(	(	PUNCT
framr-4076	635	24	nygaard	nygaard	PROPN
framr-4076	635	25	&	&	CCONJ
framr-4076	635	26	silkoset	silkoset	NOUN
framr-4076	635	27	,	,	PUNCT
framr-4076	635	28	2023	2023	NUM
framr-4076	635	29	)	)	PUNCT
framr-4076	635	30	.	.	PUNCT
framr-4076	636	1	6.2.1	6.2.1	NOUN
framr-4076	636	2	.	.	PUNCT
framr-4076	637	1	role	role	NOUN
framr-4076	637	2	of	of	ADP
framr-4076	637	3	industry	industry	NOUN
framr-4076	637	4	bodies	body	NOUN
framr-4076	637	5	in	in	ADP
framr-4076	637	6	promoting	promote	VERB
framr-4076	637	7	transparency	transparency	NOUN
framr-4076	637	8	to	to	PART
framr-4076	637	9	promote	promote	VERB
framr-4076	637	10	sustainability	sustainability	NOUN
framr-4076	637	11	and	and	CCONJ
framr-4076	637	12	make	make	VERB
framr-4076	637	13	sure	sure	ADJ
framr-4076	637	14	that	that	SCONJ
framr-4076	637	15	companies	company	NOUN
framr-4076	637	16	and	and	CCONJ
framr-4076	637	17	organisations	organisation	NOUN
framr-4076	637	18	are	be	AUX
framr-4076	637	19	held	hold	VERB
framr-4076	637	20	accountable	accountable	ADJ
framr-4076	637	21	for	for	ADP
framr-4076	637	22	their	their	PRON
framr-4076	637	23	environmental	environmental	ADJ
framr-4076	637	24	effect	effect	NOUN
framr-4076	637	25	,	,	PUNCT
framr-4076	637	26	it	it	PRON
framr-4076	637	27	is	be	AUX
framr-4076	637	28	crucial	crucial	ADJ
framr-4076	637	29	to	to	PART
framr-4076	637	30	understand	understand	VERB
framr-4076	637	31	the	the	DET
framr-4076	637	32	relationship	relationship	NOUN
framr-4076	637	33	between	between	ADP
framr-4076	637	34	governmental	governmental	ADJ
framr-4076	637	35	institutions	institution	NOUN
framr-4076	637	36	,	,	PUNCT
framr-4076	637	37	legislation	legislation	NOUN
framr-4076	637	38	,	,	PUNCT
framr-4076	637	39	certifications	certification	NOUN
framr-4076	637	40	,	,	PUNCT
framr-4076	637	41	and	and	CCONJ
framr-4076	637	42	the	the	DET
framr-4076	637	43	role	role	NOUN
framr-4076	637	44	of	of	ADP
framr-4076	637	45	ngos	ngo	NOUN
framr-4076	637	46	and	and	CCONJ
framr-4076	637	47	activist	activist	ADJ
framr-4076	637	48	groups	group	NOUN
framr-4076	637	49	(	(	PUNCT
framr-4076	637	50	nygaard	nygaard	NOUN
framr-4076	637	51	,	,	PUNCT
framr-4076	637	52	2023	2023	NUM
framr-4076	637	53	)	)	PUNCT
framr-4076	637	54	.	.	PUNCT
framr-4076	638	1	the	the	DET
framr-4076	638	2	foundation	foundation	NOUN
framr-4076	638	3	of	of	ADP
framr-4076	638	4	institutional	institutional	ADJ
framr-4076	638	5	trust	trust	NOUN
framr-4076	638	6	is	be	AUX
framr-4076	638	7	the	the	DET
framr-4076	638	8	conviction	conviction	NOUN
framr-4076	638	9	that	that	SCONJ
framr-4076	638	10	the	the	DET
framr-4076	638	11	entities	entity	NOUN
framr-4076	638	12	tasked	task	VERB
framr-4076	638	13	with	with	ADP
framr-4076	638	14	identifying	identify	VERB
framr-4076	638	15	the	the	DET
framr-4076	638	16	suitability	suitability	NOUN
framr-4076	638	17	of	of	ADP
framr-4076	638	18	a	a	DET
framr-4076	638	19	certification	certification	NOUN
framr-4076	638	20	organisation	organisation	NOUN
framr-4076	638	21	are	be	AUX
framr-4076	638	22	trustworthy	trustworthy	ADJ
framr-4076	638	23	,	,	PUNCT
framr-4076	638	24	competent	competent	ADJ
framr-4076	638	25	,	,	PUNCT
framr-4076	638	26	and	and	CCONJ
framr-4076	638	27	dependable	dependable	ADJ
framr-4076	638	28	in	in	ADP
framr-4076	638	29	carrying	carry	VERB
framr-4076	638	30	out	out	ADP
framr-4076	638	31	their	their	PRON
framr-4076	638	32	duties	duty	NOUN
framr-4076	638	33	.	.	PUNCT
framr-4076	639	1	as	as	ADP
framr-4076	639	2	an	an	DET
framr-4076	639	3	illustration	illustration	NOUN
framr-4076	639	4	,	,	PUNCT
framr-4076	639	5	organisations	organisation	NOUN
framr-4076	639	6	that	that	PRON
framr-4076	639	7	provide	provide	VERB
framr-4076	639	8	green	green	ADJ
framr-4076	639	9	certifications	certification	NOUN
framr-4076	639	10	depend	depend	VERB
framr-4076	639	11	on	on	ADP
framr-4076	639	12	institutional	institutional	ADJ
framr-4076	639	13	trust	trust	NOUN
framr-4076	639	14	to	to	PART
framr-4076	639	15	guarantee	guarantee	VERB
framr-4076	639	16	that	that	SCONJ
framr-4076	639	17	the	the	DET
framr-4076	639	18	environmental	environmental	ADJ
framr-4076	639	19	and	and	CCONJ
framr-4076	639	20	social	social	ADJ
framr-4076	639	21	performance	performance	NOUN
framr-4076	639	22	they	they	PRON
framr-4076	639	23	certify	certify	VERB
framr-4076	639	24	is	be	AUX
framr-4076	639	25	trustworthy	trustworthy	ADJ
framr-4076	639	26	and	and	CCONJ
framr-4076	639	27	not	not	PART
framr-4076	639	28	deceptive	deceptive	ADJ
framr-4076	639	29	or	or	CCONJ
framr-4076	639	30	fraudulent	fraudulent	ADJ
framr-4076	639	31	.	.	PUNCT
framr-4076	640	1	while	while	SCONJ
framr-4076	640	2	certifications	certification	NOUN
framr-4076	640	3	contribute	contribute	VERB
framr-4076	640	4	significantly	significantly	ADV
framr-4076	640	5	to	to	ADP
framr-4076	640	6	the	the	DET
framr-4076	640	7	global	global	ADJ
framr-4076	640	8	sustainability	sustainability	NOUN
framr-4076	640	9	movement	movement	NOUN
framr-4076	640	10	,	,	PUNCT
framr-4076	640	11	institutional	institutional	ADJ
framr-4076	640	12	trust	trust	NOUN
framr-4076	640	13	may	may	AUX
framr-4076	640	14	gradually	gradually	ADV
framr-4076	640	15	diminish	diminish	VERB
framr-4076	640	16	due	due	ADV
framr-4076	640	17	to	to	ADP
framr-4076	640	18	shifting	shift	VERB
framr-4076	640	19	market	market	NOUN
framr-4076	640	20	and	and	CCONJ
framr-4076	640	21	technological	technological	ADJ
framr-4076	640	22	dynamics	dynamic	NOUN
framr-4076	640	23	(	(	PUNCT
framr-4076	640	24	nygaard	nygaard	NOUN
framr-4076	640	25	&	&	CCONJ
framr-4076	640	26	silkoset	silkoset	NOUN
framr-4076	640	27	,	,	PUNCT
framr-4076	640	28	2023	2023	NUM
framr-4076	640	29	)	)	PUNCT
framr-4076	640	30	.	.	PUNCT
framr-4076	641	1	the	the	DET
framr-4076	641	2	primary	primary	ADJ
framr-4076	641	3	categories	category	NOUN
framr-4076	641	4	of	of	ADP
framr-4076	641	5	certification	certification	NOUN
framr-4076	641	6	schemes	scheme	NOUN
framr-4076	641	7	that	that	PRON
framr-4076	641	8	support	support	VERB
framr-4076	641	9	sustainability	sustainability	NOUN
framr-4076	641	10	,	,	PUNCT
framr-4076	641	11	such	such	ADJ
framr-4076	641	12	as	as	ADP
framr-4076	641	13	those	those	PRON
framr-4076	641	14	based	base	VERB
framr-4076	641	15	on	on	ADP
framr-4076	641	16	buildings	building	NOUN
framr-4076	641	17	,	,	PUNCT
framr-4076	641	18	organisations	organisation	NOUN
framr-4076	641	19	,	,	PUNCT
framr-4076	641	20	and	and	CCONJ
framr-4076	641	21	products	product	NOUN
framr-4076	641	22	.	.	PUNCT
framr-4076	642	1	product	product	NOUN
framr-4076	642	2	-	-	PUNCT
framr-4076	642	3	based	base	VERB
framr-4076	642	4	certifications	certification	NOUN
framr-4076	642	5	concentrate	concentrate	VERB
framr-4076	642	6	on	on	ADP
framr-4076	642	7	assessing	assess	VERB
framr-4076	642	8	the	the	DET
framr-4076	642	9	economic	economic	ADJ
framr-4076	642	10	,	,	PUNCT
framr-4076	642	11	social	social	ADJ
framr-4076	642	12	,	,	PUNCT
framr-4076	642	13	and	and	CCONJ
framr-4076	642	14	environmental	environmental	ADJ
framr-4076	642	15	effects	effect	NOUN
framr-4076	642	16	of	of	ADP
framr-4076	642	17	a	a	DET
framr-4076	642	18	single	single	ADJ
framr-4076	642	19	product	product	NOUN
framr-4076	642	20	or	or	CCONJ
framr-4076	642	21	set	set	NOUN
framr-4076	642	22	of	of	ADP
framr-4076	642	23	related	related	ADJ
framr-4076	642	24	items	item	NOUN
framr-4076	642	25	.	.	PUNCT
framr-4076	643	1	building	build	VERB
framr-4076	643	2	sustainability	sustainability	NOUN
framr-4076	643	3	,	,	PUNCT
framr-4076	643	4	encompassing	encompass	VERB
framr-4076	643	5	the	the	DET
framr-4076	643	6	effects	effect	NOUN
framr-4076	643	7	of	of	ADP
framr-4076	643	8	construction	construction	NOUN
framr-4076	643	9	and	and	CCONJ
framr-4076	643	10	operation	operation	NOUN
framr-4076	643	11	on	on	ADP
framr-4076	643	12	the	the	DET
framr-4076	643	13	environment	environment	NOUN
framr-4076	643	14	,	,	PUNCT
framr-4076	643	15	society	society	NOUN
framr-4076	643	16	,	,	PUNCT
framr-4076	643	17	and	and	CCONJ
framr-4076	643	18	economy	economy	NOUN
framr-4076	643	19	,	,	PUNCT
framr-4076	643	20	is	be	AUX
framr-4076	643	21	the	the	DET
framr-4076	643	22	focus	focus	NOUN
framr-4076	643	23	of	of	ADP
framr-4076	643	24	building	building	NOUN
framr-4076	643	25	-	-	PUNCT
framr-4076	643	26	based	base	VERB
framr-4076	643	27	certifications	certification	NOUN
framr-4076	643	28	.	.	PUNCT
framr-4076	644	1	buildings	building	NOUN
framr-4076	644	2	may	may	AUX
framr-4076	644	3	have	have	VERB
framr-4076	644	4	a	a	DET
framr-4076	644	5	substantial	substantial	ADJ
framr-4076	644	6	influence	influence	NOUN
framr-4076	644	7	on	on	ADP
framr-4076	644	8	people	people	NOUN
framr-4076	644	9	's	's	PART
framr-4076	644	10	health	health	NOUN
framr-4076	644	11	and	and	CCONJ
framr-4076	644	12	well	well	ADV
framr-4076	644	13	-	-	PUNCT
framr-4076	644	14	being	being	NOUN
framr-4076	644	15	and	and	CCONJ
framr-4076	644	16	are	be	AUX
framr-4076	644	17	important	important	ADJ
framr-4076	644	18	sources	source	NOUN
framr-4076	644	19	of	of	ADP
framr-4076	644	20	energy	energy	NOUN
framr-4076	644	21	consumption	consumption	NOUN
framr-4076	644	22	and	and	CCONJ
framr-4076	644	23	greenhouse	greenhouse	NOUN
framr-4076	644	24	gas	gas	NOUN
framr-4076	644	25	emissions	emission	NOUN
framr-4076	644	26	,	,	PUNCT
framr-4076	644	27	which	which	PRON
framr-4076	644	28	makes	make	VERB
framr-4076	644	29	these	these	DET
framr-4076	644	30	certifications	certification	NOUN
framr-4076	644	31	essential	essential	ADJ
framr-4076	644	32	.	.	PUNCT
framr-4076	645	1	a	a	DET
framr-4076	645	2	certification	certification	NOUN
framr-4076	645	3	for	for	ADP
framr-4076	645	4	green	green	ADJ
framr-4076	645	5	buildings	building	NOUN
framr-4076	645	6	called	call	VERB
framr-4076	645	7	leadership	leadership	NOUN
framr-4076	645	8	in	in	ADP
framr-4076	645	9	energy	energy	NOUN
framr-4076	645	10	and	and	CCONJ
framr-4076	645	11	environmental	environmental	ADJ
framr-4076	645	12	design	design	NOUN
framr-4076	645	13	(	(	PUNCT
framr-4076	645	14	leed	leed	NOUN
framr-4076	645	15	)	)	PUNCT
framr-4076	645	16	is	be	AUX
framr-4076	645	17	an	an	DET
framr-4076	645	18	example	example	NOUN
framr-4076	645	19	of	of	ADP
framr-4076	645	20	a	a	DET
framr-4076	645	21	certification	certification	NOUN
framr-4076	645	22	based	base	VERB
framr-4076	645	23	on	on	ADP
framr-4076	645	24	a	a	DET
framr-4076	645	25	building	building	NOUN
framr-4076	645	26	(	(	PUNCT
framr-4076	645	27	nygaard	nygaard	NOUN
framr-4076	645	28	,	,	PUNCT
framr-4076	645	29	2023	2023	NUM
framr-4076	645	30	)	)	PUNCT
framr-4076	645	31	.	.	PUNCT
framr-4076	646	1	according	accord	VERB
framr-4076	646	2	to	to	ADP
framr-4076	646	3	whelan	whelan	PROPN
framr-4076	646	4	and	and	CCONJ
framr-4076	646	5	kronthal	kronthal	ADJ
framr-4076	646	6	-	-	PUNCT
framr-4076	646	7	sacco	sacco	PROPN
framr-4076	646	8	(	(	PUNCT
framr-4076	646	9	2019	2019	NUM
framr-4076	646	10	)	)	PUNCT
framr-4076	646	11	the	the	DET
framr-4076	646	12	fair	fair	ADJ
framr-4076	646	13	trade	trade	NOUN
framr-4076	646	14	certification	certification	NOUN
framr-4076	646	15	attests	attest	VERB
framr-4076	646	16	to	to	ADP
framr-4076	646	17	the	the	DET
framr-4076	646	18	fact	fact	NOUN
framr-4076	646	19	that	that	SCONJ
framr-4076	646	20	a	a	DET
framr-4076	646	21	product	product	NOUN
framr-4076	646	22	has	have	AUX
framr-4076	646	23	been	be	AUX
framr-4076	646	24	manufactured	manufacture	VERB
framr-4076	646	25	and	and	CCONJ
framr-4076	646	26	traded	trade	VERB
framr-4076	646	27	in	in	ADP
framr-4076	646	28	an	an	DET
framr-4076	646	29	ecologically	ecologically	ADV
framr-4076	646	30	and	and	CCONJ
framr-4076	646	31	socially	socially	ADV
framr-4076	646	32	responsible	responsible	ADJ
framr-4076	646	33	manner	manner	NOUN
framr-4076	646	34	and	and	CCONJ
framr-4076	646	35	that	that	SCONJ
framr-4076	646	36	workers	worker	NOUN
framr-4076	646	37	have	have	AUX
framr-4076	646	38	received	receive	VERB
framr-4076	646	39	fair	fair	ADJ
framr-4076	646	40	remuneration	remuneration	NOUN
framr-4076	646	41	.	.	PUNCT
framr-4076	647	1	labelling	labelling	NOUN
framr-4076	647	2	requirements	requirement	NOUN
framr-4076	647	3	depending	depend	VERB
framr-4076	647	4	on	on	ADP
framr-4076	647	5	the	the	DET
framr-4076	647	6	proportion	proportion	NOUN
framr-4076	647	7	of	of	ADP
framr-4076	647	8	organic	organic	ADJ
framr-4076	647	9	materials	material	NOUN
framr-4076	647	10	in	in	ADP
framr-4076	647	11	a	a	DET
framr-4076	647	12	product	product	NOUN
framr-4076	647	13	are	be	AUX
framr-4076	647	14	also	also	ADV
framr-4076	647	15	part	part	NOUN
framr-4076	647	16	of	of	ADP
framr-4076	647	17	the	the	DET
framr-4076	647	18	national	national	ADJ
framr-4076	647	19	organic	organic	ADJ
framr-4076	647	20	program	program	NOUN
framr-4076	647	21	(	(	PUNCT
framr-4076	647	22	nop	nop	NOUN
framr-4076	647	23	)	)	PUNCT
framr-4076	647	24	rules	rule	NOUN
framr-4076	647	25	.	.	PUNCT
framr-4076	648	1	the	the	DET
framr-4076	648	2	usda	usda	NOUN
framr-4076	648	3	may	may	AUX
framr-4076	648	4	suspend	suspend	VERB
framr-4076	648	5	or	or	CCONJ
framr-4076	648	6	cancel	cancel	VERB
framr-4076	648	7	organic	organic	ADJ
framr-4076	648	8	certificates	certificate	NOUN
framr-4076	648	9	under	under	ADP
framr-4076	648	10	the	the	DET
framr-4076	648	11	nop	nop	PROPN
framr-4076	648	12	and	and	CCONJ
framr-4076	648	13	levy	levy	VERB
framr-4076	648	14	civil	civil	ADJ
framr-4076	648	15	fines	fine	NOUN
framr-4076	648	16	for	for	ADP
framr-4076	648	17	violations	violation	NOUN
framr-4076	648	18	.	.	PUNCT
framr-4076	649	1	in	in	ADP
framr-4076	649	2	a	a	DET
framr-4076	649	3	poll	poll	NOUN
framr-4076	649	4	conducted	conduct	VERB
framr-4076	649	5	by	by	ADP
framr-4076	649	6	the	the	DET
framr-4076	649	7	organic	organic	ADJ
framr-4076	649	8	trade	trade	NOUN
framr-4076	649	9	association	association	NOUN
framr-4076	649	10	(	(	PUNCT
framr-4076	649	11	ota	ota	PROPN
framr-4076	649	12	)	)	PUNCT
framr-4076	649	13	,	,	PUNCT
framr-4076	649	14	60	60	NUM
framr-4076	649	15	%	%	NOUN
framr-4076	649	16	of	of	ADP
framr-4076	649	17	respondents	respondent	NOUN
framr-4076	649	18	strongly	strongly	ADV
framr-4076	649	19	agreed	agree	VERB
framr-4076	649	20	,	,	PUNCT
framr-4076	649	21	according	accord	VERB
framr-4076	649	22	to	to	ADP
framr-4076	649	23	angela	angela	PROPN
framr-4076	649	24	jagiello	jagiello	PROPN
framr-4076	649	25	,	,	PUNCT
framr-4076	649	26	associate	associate	ADJ
framr-4076	649	27	director	director	NOUN
framr-4076	649	28	of	of	ADP
framr-4076	649	29	conference	conference	NOUN
framr-4076	649	30	and	and	CCONJ
framr-4076	649	31	product	product	NOUN
framr-4076	649	32	development	development	NOUN
framr-4076	649	33	.	.	PUNCT
framr-4076	650	1	"	"	PUNCT
framr-4076	650	2	a	a	DET
framr-4076	650	3	certification	certification	NOUN
framr-4076	650	4	process	process	NOUN
framr-4076	650	5	such	such	ADJ
framr-4076	650	6	as	as	ADP
framr-4076	650	7	the	the	DET
framr-4076	650	8	usda	usda	NOUN
framr-4076	650	9	uses	use	VERB
framr-4076	650	10	to	to	PART
framr-4076	650	11	oversee	oversee	VERB
framr-4076	650	12	and	and	CCONJ
framr-4076	650	13	enforce	enforce	VERB
framr-4076	650	14	the	the	DET
framr-4076	650	15	labelling	labelling	NOUN
framr-4076	650	16	of	of	ADP
framr-4076	650	17	organic	organic	ADJ
framr-4076	650	18	foods	food	NOUN
framr-4076	650	19	should	should	AUX
framr-4076	650	20	also	also	ADV
framr-4076	650	21	be	be	AUX
framr-4076	650	22	used	use	VERB
framr-4076	650	23	to	to	PART
framr-4076	650	24	cover	cover	VERB
framr-4076	650	25	(	(	PUNCT
framr-4076	650	26	rotman	rotman	PROPN
framr-4076	650	27	et	et	PROPN
framr-4076	650	28	al	al	PROPN
framr-4076	650	29	.	.	PROPN
framr-4076	650	30	,	,	PUNCT
framr-4076	650	31	2020	2020	NUM
framr-4076	650	32	)	)	PUNCT
framr-4076	650	33	.	.	PUNCT
framr-4076	651	1	6.2.2	6.2.2	X
framr-4076	651	2	.	.	PUNCT
framr-4076	652	1	importance	importance	NOUN
framr-4076	652	2	of	of	ADP
framr-4076	652	3	certifications	certification	NOUN
framr-4076	652	4	and	and	CCONJ
framr-4076	652	5	third	third	ADJ
framr-4076	652	6	-	-	PUNCT
framr-4076	652	7	party	party	NOUN
framr-4076	652	8	audits	audits	NOUN
framr-4076	652	9	certification	certification	NOUN
framr-4076	652	10	programs	program	NOUN
framr-4076	652	11	influence	influence	VERB
framr-4076	652	12	the	the	DET
framr-4076	652	13	creation	creation	NOUN
framr-4076	652	14	of	of	ADP
framr-4076	652	15	new	new	ADJ
framr-4076	652	16	rules	rule	NOUN
framr-4076	652	17	and	and	CCONJ
framr-4076	652	18	regulations	regulation	NOUN
framr-4076	652	19	.	.	PUNCT
framr-4076	653	1	for	for	ADP
framr-4076	653	2	instance	instance	NOUN
framr-4076	653	3	,	,	PUNCT
framr-4076	653	4	the	the	DET
framr-4076	653	5	forest	forest	NOUN
framr-4076	653	6	stewardship	stewardship	NOUN
framr-4076	653	7	council	council	PROPN
framr-4076	653	8	's	's	PART
framr-4076	653	9	(	(	PUNCT
framr-4076	653	10	fsc	fsc	PROPN
framr-4076	653	11	)	)	PUNCT
framr-4076	653	12	certification	certification	NOUN
framr-4076	653	13	program	program	NOUN
framr-4076	653	14	for	for	ADP
framr-4076	653	15	sustainable	sustainable	ADJ
framr-4076	653	16	forestry	forestry	NOUN
framr-4076	653	17	has	have	AUX
framr-4076	653	18	impacted	impact	VERB
framr-4076	653	19	the	the	DET
framr-4076	653	20	creation	creation	NOUN
framr-4076	653	21	of	of	ADP
framr-4076	653	22	legislation	legislation	NOUN
framr-4076	653	23	and	and	CCONJ
framr-4076	653	24	policies	policy	NOUN
framr-4076	653	25	about	about	ADP
framr-4076	653	26	the	the	DET
framr-4076	653	27	practice	practice	NOUN
framr-4076	653	28	in	in	ADP
framr-4076	653	29	several	several	ADJ
framr-4076	653	30	nations	nation	NOUN
framr-4076	653	31	.	.	PUNCT
framr-4076	654	1	these	these	DET
framr-4076	654	2	certifications	certification	NOUN
framr-4076	654	3	are	be	AUX
framr-4076	654	4	crucial	crucial	ADJ
framr-4076	654	5	because	because	SCONJ
framr-4076	654	6	they	they	PRON
framr-4076	654	7	empower	empower	VERB
framr-4076	654	8	companies	company	NOUN
framr-4076	654	9	to	to	PART
framr-4076	654	10	enhance	enhance	VERB
framr-4076	654	11	their	their	PRON
framr-4076	654	12	sustainability	sustainability	NOUN
framr-4076	654	13	practices	practice	NOUN
framr-4076	654	14	and	and	CCONJ
framr-4076	654	15	assist	assist	VERB
framr-4076	654	16	customers	customer	NOUN
framr-4076	654	17	in	in	ADP
framr-4076	654	18	making	make	VERB
framr-4076	654	19	better	well	ADJ
framr-4076	654	20	decisions	decision	NOUN
framr-4076	654	21	about	about	ADP
framr-4076	654	22	what	what	PRON
framr-4076	654	23	to	to	PART
framr-4076	654	24	buy	buy	VERB
framr-4076	654	25	(	(	PUNCT
framr-4076	654	26	nygaard	nygaard	NOUN
framr-4076	654	27	,	,	PUNCT
framr-4076	654	28	2023	2023	NUM
framr-4076	654	29	)	)	PUNCT
framr-4076	654	30	.	.	PUNCT
framr-4076	655	1	public	public	ADJ
framr-4076	655	2	consequences	consequence	NOUN
framr-4076	655	3	are	be	AUX
framr-4076	655	4	not	not	PART
framr-4076	655	5	a	a	DET
framr-4076	655	6	sufficient	sufficient	ADJ
framr-4076	655	7	basis	basis	NOUN
framr-4076	655	8	for	for	ADP
framr-4076	655	9	self	self	NOUN
framr-4076	655	10	-	-	PUNCT
framr-4076	655	11	regulatory	regulatory	ADJ
framr-4076	655	12	norms	norm	NOUN
framr-4076	655	13	such	such	ADJ
framr-4076	655	14	as	as	ADP
framr-4076	655	15	codes	code	NOUN
framr-4076	655	16	of	of	ADP
framr-4076	655	17	conduct	conduct	NOUN
framr-4076	655	18	or	or	CCONJ
framr-4076	655	19	private	private	ADJ
framr-4076	655	20	business	business	NOUN
framr-4076	655	21	efforts	effort	NOUN
framr-4076	655	22	.	.	PUNCT
framr-4076	656	1	finding	find	VERB
framr-4076	656	2	ways	way	NOUN
framr-4076	656	3	to	to	PART
framr-4076	656	4	encourage	encourage	VERB
framr-4076	656	5	compliance	compliance	NOUN
framr-4076	656	6	is	be	AUX
framr-4076	656	7	therefore	therefore	ADV
framr-4076	656	8	essential	essential	ADJ
framr-4076	656	9	.	.	PUNCT
framr-4076	657	1	in	in	ADP
framr-4076	657	2	this	this	DET
framr-4076	657	3	regard	regard	NOUN
framr-4076	657	4	,	,	PUNCT
framr-4076	657	5	as	as	SCONJ
framr-4076	657	6	covered	cover	VERB
framr-4076	657	7	in	in	ADP
framr-4076	657	8	the	the	DET
framr-4076	657	9	previous	previous	ADJ
framr-4076	657	10	chapter	chapter	NOUN
framr-4076	657	11	,	,	PUNCT
framr-4076	657	12	scholars	scholar	NOUN
framr-4076	657	13	that	that	PRON
framr-4076	657	14	study	study	AUX
framr-4076	657	15	greenwashing	greenwashing	NOUN
framr-4076	657	16	add	add	NOUN
framr-4076	657	17	to	to	ADP
framr-4076	657	18	the	the	DET
framr-4076	657	19	discourse	discourse	NOUN
framr-4076	657	20	by	by	ADP
framr-4076	657	21	pointing	point	VERB
framr-4076	657	22	out	out	ADP
framr-4076	657	23	various	various	ADJ
framr-4076	657	24	strategies	strategy	NOUN
framr-4076	657	25	and	and	CCONJ
framr-4076	657	26	actions	action	NOUN
framr-4076	657	27	(	(	PUNCT
framr-4076	657	28	like	like	INTJ
framr-4076	657	29	tripartism	tripartism	NOUN
framr-4076	657	30	,	,	PUNCT
framr-4076	657	31	public	public	ADJ
framr-4076	657	32	enforcement	enforcement	NOUN
framr-4076	657	33	of	of	ADP
framr-4076	657	34	anti	anti	ADJ
framr-4076	657	35	-	-	ADJ
framr-4076	657	36	greenwashing	greenwashing	ADJ
framr-4076	657	37	laws	law	NOUN
framr-4076	657	38	,	,	PUNCT
framr-4076	657	39	and	and	CCONJ
framr-4076	657	40	litigation	litigation	NOUN
framr-4076	657	41	about	about	ADP
framr-4076	657	42	certification	certification	NOUN
framr-4076	657	43	mark	mark	PROPN
framr-4076	657	44	infringement	infringement	PROPN
framr-4076	657	45	)	)	PUNCT
framr-4076	657	46	that	that	PRON
framr-4076	657	47	reduce	reduce	VERB
framr-4076	657	48	greenwashing	greenwashing	NOUN
framr-4076	657	49	and	and	CCONJ
framr-4076	657	50	guarantee	guarantee	VERB
framr-4076	657	51	more	more	ADV
framr-4076	657	52	equitable	equitable	ADJ
framr-4076	657	53	and	and	CCONJ
framr-4076	657	54	transparent	transparent	ADJ
framr-4076	657	55	corporate	corporate	ADJ
framr-4076	657	56	social	social	ADJ
framr-4076	657	57	responsibility	responsibility	NOUN
framr-4076	657	58	(	(	PUNCT
framr-4076	657	59	csr	csr	NOUN
framr-4076	657	60	)	)	PUNCT
framr-4076	657	61	communication	communication	NOUN
framr-4076	657	62	(	(	PUNCT
framr-4076	657	63	gatti	gatti	PROPN
framr-4076	657	64	et	et	PROPN
framr-4076	657	65	al	al	PROPN
framr-4076	657	66	.	.	PROPN
framr-4076	657	67	,	,	PUNCT
framr-4076	657	68	2019	2019	NUM
framr-4076	657	69	)	)	PUNCT
framr-4076	657	70	.	.	PUNCT
framr-4076	658	1	leadership	leadership	NOUN
framr-4076	658	2	in	in	ADP
framr-4076	658	3	energy	energy	NOUN
framr-4076	658	4	and	and	CCONJ
framr-4076	658	5	environmental	environmental	ADJ
framr-4076	658	6	design	design	NOUN
framr-4076	658	7	(	(	PUNCT
framr-4076	658	8	leed	leed	NOUN
framr-4076	658	9	)	)	PUNCT
framr-4076	658	10	certifies	certifie	NOUN
framr-4076	658	11	low	low	ADJ
framr-4076	658	12	-	-	PUNCT
framr-4076	658	13	energy	energy	NOUN
framr-4076	658	14	buildings	building	NOUN
framr-4076	658	15	,	,	PUNCT
framr-4076	658	16	makes	make	VERB
framr-4076	658	17	use	use	NOUN
framr-4076	658	18	of	of	ADP
framr-4076	658	19	sustainable	sustainable	ADJ
framr-4076	658	20	materials	material	NOUN
framr-4076	658	21	,	,	PUNCT
framr-4076	658	22	and	and	CCONJ
framr-4076	658	23	benefits	benefit	VERB
framr-4076	658	24	the	the	DET
framr-4076	658	25	environment	environment	NOUN
framr-4076	658	26	and	and	CCONJ
framr-4076	658	27	their	their	PRON
framr-4076	658	28	financial	financial	ADJ
framr-4076	658	29	risk	risk	NOUN
framr-4076	658	30	and	and	CCONJ
framr-4076	658	31	management	management	NOUN
framr-4076	658	32	reviews	review	NOUN
framr-4076	658	33	,	,	PUNCT
framr-4076	658	34	2025	2025	NUM
framr-4076	658	35	,	,	PUNCT
framr-4076	658	36	11(1	11(1	NUM
framr-4076	658	37	):	):	PUNCT
framr-4076	658	38	37	37	NUM
framr-4076	658	39	-	-	SYM
framr-4076	658	40	71	71	NUM
framr-4076	658	41	61	61	NUM
framr-4076	658	42	©	©	PROPN
framr-4076	658	43	2025	2025	NUM
framr-4076	658	44	conscientia	conscientia	PROPN
framr-4076	658	45	beam	beam	PROPN
framr-4076	658	46	.	.	PUNCT
framr-4076	659	1	all	all	DET
framr-4076	659	2	rights	right	NOUN
framr-4076	659	3	reserved	reserve	VERB
framr-4076	659	4	.	.	PUNCT
framr-4076	660	1	occupants	occupant	NOUN
framr-4076	660	2	.	.	PUNCT
framr-4076	661	1	the	the	DET
framr-4076	661	2	well	well	ADV
framr-4076	661	3	building	build	VERB
framr-4076	661	4	standard	standard	ADJ
framr-4076	661	5	certification	certification	NOUN
framr-4076	661	6	for	for	ADP
framr-4076	661	7	healthy	healthy	ADJ
framr-4076	661	8	buildings	building	NOUN
framr-4076	661	9	encourages	encourage	VERB
framr-4076	661	10	healthy	healthy	ADJ
framr-4076	661	11	indoor	indoor	ADJ
framr-4076	661	12	environments	environment	NOUN
framr-4076	661	13	by	by	ADP
framr-4076	661	14	taking	take	VERB
framr-4076	661	15	into	into	ADP
framr-4076	661	16	account	account	NOUN
framr-4076	661	17	elements	element	NOUN
framr-4076	661	18	like	like	ADP
framr-4076	661	19	air	air	NOUN
framr-4076	661	20	quality	quality	NOUN
framr-4076	661	21	,	,	PUNCT
framr-4076	661	22	lighting	lighting	NOUN
framr-4076	661	23	,	,	PUNCT
framr-4076	661	24	and	and	CCONJ
framr-4076	661	25	ergonomics	ergonomic	NOUN
framr-4076	661	26	(	(	PUNCT
framr-4076	661	27	nygaard	nygaard	NOUN
framr-4076	661	28	,	,	PUNCT
framr-4076	661	29	2023	2023	NUM
framr-4076	661	30	)	)	PUNCT
framr-4076	661	31	.	.	PUNCT
framr-4076	662	1	the	the	DET
framr-4076	662	2	outcomes	outcome	NOUN
framr-4076	662	3	of	of	ADP
framr-4076	662	4	public	public	ADJ
framr-4076	662	5	enforcement	enforcement	NOUN
framr-4076	662	6	against	against	ADP
framr-4076	662	7	greenwashing	greenwashing	NOUN
framr-4076	662	8	are	be	AUX
framr-4076	662	9	superior	superior	ADJ
framr-4076	662	10	to	to	ADP
framr-4076	662	11	those	those	PRON
framr-4076	662	12	of	of	ADP
framr-4076	662	13	private	private	ADJ
framr-4076	662	14	enforcement	enforcement	NOUN
framr-4076	662	15	of	of	ADP
framr-4076	662	16	environmental	environmental	ADJ
framr-4076	662	17	marks	mark	NOUN
framr-4076	662	18	or	or	CCONJ
framr-4076	662	19	consumer	consumer	NOUN
framr-4076	662	20	activities	activity	NOUN
framr-4076	662	21	.	.	PUNCT
framr-4076	663	1	the	the	DET
framr-4076	663	2	most	most	ADV
framr-4076	663	3	effective	effective	ADJ
framr-4076	663	4	defences	defence	NOUN
framr-4076	663	5	against	against	ADP
framr-4076	663	6	the	the	DET
framr-4076	663	7	inappropriate	inappropriate	ADJ
framr-4076	663	8	use	use	NOUN
framr-4076	663	9	of	of	ADP
framr-4076	663	10	eco	eco	PROPN
framr-4076	663	11	-	-	PUNCT
framr-4076	663	12	marks	mark	NOUN
framr-4076	663	13	appear	appear	VERB
framr-4076	663	14	to	to	PART
framr-4076	663	15	be	be	AUX
framr-4076	663	16	government	government	NOUN
framr-4076	663	17	agency	agency	NOUN
framr-4076	663	18	investigations	investigation	NOUN
framr-4076	663	19	and	and	CCONJ
framr-4076	663	20	certification	certification	NOUN
framr-4076	663	21	mark	mark	PROPN
framr-4076	663	22	enforcement	enforcement	NOUN
framr-4076	663	23	lawsuits	lawsuit	NOUN
framr-4076	663	24	(	(	PUNCT
framr-4076	663	25	gatti	gatti	PROPN
framr-4076	663	26	et	et	PROPN
framr-4076	663	27	al	al	PROPN
framr-4076	663	28	.	.	PROPN
framr-4076	663	29	,	,	PUNCT
framr-4076	663	30	2019	2019	NUM
framr-4076	663	31	)	)	PUNCT
framr-4076	663	32	.	.	PUNCT
framr-4076	664	1	according	accord	VERB
framr-4076	664	2	to	to	ADP
framr-4076	664	3	research	research	NOUN
framr-4076	664	4	conducted	conduct	VERB
framr-4076	664	5	in	in	ADP
framr-4076	664	6	china	china	PROPN
framr-4076	664	7	based	base	VERB
framr-4076	664	8	on	on	ADP
framr-4076	664	9	interviews	interview	NOUN
framr-4076	664	10	with	with	ADP
framr-4076	664	11	senior	senior	ADJ
framr-4076	664	12	quality	quality	NOUN
framr-4076	664	13	managers	manager	NOUN
framr-4076	664	14	,	,	PUNCT
framr-4076	664	15	consultants	consultant	NOUN
framr-4076	664	16	,	,	PUNCT
framr-4076	664	17	and	and	CCONJ
framr-4076	664	18	auditors	auditor	NOUN
framr-4076	664	19	,	,	PUNCT
framr-4076	664	20	obtaining	obtain	VERB
framr-4076	664	21	certification	certification	NOUN
framr-4076	664	22	through	through	ADP
framr-4076	664	23	the	the	DET
framr-4076	664	24	use	use	NOUN
framr-4076	664	25	of	of	ADP
framr-4076	664	26	phoney	phoney	ADJ
framr-4076	664	27	iso	iso	NOUN
framr-4076	664	28	9001	9001	NUM
framr-4076	664	29	certifications	certification	NOUN
framr-4076	664	30	and	and	CCONJ
framr-4076	664	31	a	a	DET
framr-4076	664	32	dubious	dubious	ADJ
framr-4076	664	33	evaluation	evaluation	NOUN
framr-4076	664	34	methodology	methodology	NOUN
framr-4076	664	35	is	be	AUX
framr-4076	664	36	a	a	DET
framr-4076	664	37	common	common	ADJ
framr-4076	664	38	practice	practice	NOUN
framr-4076	664	39	(	(	PUNCT
framr-4076	664	40	heras‐saizarbitoria	heras‐saizarbitoria	INTJ
framr-4076	664	41	,	,	PUNCT
framr-4076	664	42	boiral	boiral	ADJ
framr-4076	664	43	,	,	PUNCT
framr-4076	664	44	&	&	CCONJ
framr-4076	664	45	díaz	díaz	PROPN
framr-4076	664	46	de	de	PROPN
framr-4076	664	47	junguitu	junguitu	PROPN
framr-4076	664	48	,	,	PUNCT
framr-4076	664	49	2020	2020	NUM
framr-4076	664	50	)	)	PUNCT
framr-4076	664	51	.	.	PUNCT
framr-4076	665	1	seele	seele	PROPN
framr-4076	665	2	and	and	CCONJ
framr-4076	665	3	gatti	gatti	PROPN
framr-4076	665	4	(	(	PUNCT
framr-4076	665	5	2017	2017	NUM
framr-4076	665	6	)	)	PUNCT
framr-4076	665	7	acknowledge	acknowledge	VERB
framr-4076	665	8	that	that	SCONJ
framr-4076	665	9	greenwashing	greenwashing	NOUN
framr-4076	665	10	is	be	AUX
framr-4076	665	11	a	a	DET
framr-4076	665	12	subjective	subjective	ADJ
framr-4076	665	13	phenomenon	phenomenon	NOUN
framr-4076	665	14	,	,	PUNCT
framr-4076	665	15	which	which	PRON
framr-4076	665	16	is	be	AUX
framr-4076	665	17	another	another	DET
framr-4076	665	18	essential	essential	ADJ
framr-4076	665	19	feature	feature	NOUN
framr-4076	665	20	of	of	ADP
framr-4076	665	21	the	the	DET
framr-4076	665	22	problem	problem	NOUN
framr-4076	665	23	.	.	PUNCT
framr-4076	666	1	no	no	ADV
framr-4076	666	2	matter	matter	ADV
framr-4076	666	3	how	how	SCONJ
framr-4076	666	4	much	much	ADJ
framr-4076	666	5	corporate	corporate	ADJ
framr-4076	666	6	csr	csr	NOUN
framr-4076	666	7	advertising	advertising	NOUN
framr-4076	666	8	is	be	AUX
framr-4076	666	9	untrue	untrue	ADJ
framr-4076	666	10	,	,	PUNCT
framr-4076	666	11	greenwashing	greenwashe	VERB
framr-4076	666	12	only	only	ADV
framr-4076	666	13	occurs	occur	VERB
framr-4076	666	14	,	,	PUNCT
framr-4076	666	15	according	accord	VERB
framr-4076	666	16	to	to	ADP
framr-4076	666	17	the	the	DET
framr-4076	666	18	authors	author	NOUN
framr-4076	666	19	,	,	PUNCT
framr-4076	666	20	when	when	SCONJ
framr-4076	666	21	a	a	DET
framr-4076	666	22	message	message	NOUN
framr-4076	666	23	is	be	AUX
framr-4076	666	24	emphasised	emphasise	VERB
framr-4076	666	25	as	as	ADP
framr-4076	666	26	such	such	ADJ
framr-4076	666	27	by	by	ADP
framr-4076	666	28	ngos	ngo	NOUN
framr-4076	666	29	,	,	PUNCT
framr-4076	666	30	the	the	DET
framr-4076	666	31	press	press	NOUN
framr-4076	666	32	,	,	PUNCT
framr-4076	666	33	or	or	CCONJ
framr-4076	666	34	other	other	ADJ
framr-4076	666	35	interested	interested	ADJ
framr-4076	666	36	parties	party	NOUN
framr-4076	666	37	.	.	PUNCT
framr-4076	667	1	kirchhoff	kirchhoff	NOUN
framr-4076	667	2	(	(	PUNCT
framr-4076	667	3	2000	2000	NUM
framr-4076	667	4	)	)	PUNCT
framr-4076	667	5	explored	explore	VERB
framr-4076	667	6	a	a	DET
framr-4076	667	7	greenwashing	greenwashing	NOUN
framr-4076	667	8	prevention	prevention	NOUN
framr-4076	667	9	concept	concept	NOUN
framr-4076	667	10	based	base	VERB
framr-4076	667	11	on	on	ADP
framr-4076	667	12	adding	add	VERB
framr-4076	667	13	a	a	DET
framr-4076	667	14	punishment	punishment	NOUN
framr-4076	667	15	to	to	ADP
framr-4076	667	16	the	the	DET
framr-4076	667	17	environmental	environmental	ADJ
framr-4076	667	18	labelling	labelling	NOUN
framr-4076	667	19	system	system	NOUN
framr-4076	667	20	.	.	PUNCT
framr-4076	668	1	the	the	DET
framr-4076	668	2	concept	concept	NOUN
framr-4076	668	3	needs	need	VERB
framr-4076	668	4	an	an	DET
framr-4076	668	5	impartial	impartial	ADJ
framr-4076	668	6	third	third	ADJ
framr-4076	668	7	-	-	PUNCT
framr-4076	668	8	party	party	NOUN
framr-4076	668	9	labelling	labelling	NOUN
framr-4076	668	10	authority	authority	NOUN
framr-4076	668	11	to	to	PART
framr-4076	668	12	function	function	VERB
framr-4076	668	13	properly	properly	ADV
framr-4076	668	14	,	,	PUNCT
framr-4076	668	15	and	and	CCONJ
framr-4076	668	16	this	this	DET
framr-4076	668	17	authority	authority	NOUN
framr-4076	668	18	's	's	PART
framr-4076	668	19	existence	existence	NOUN
framr-4076	668	20	appears	appear	VERB
framr-4076	668	21	to	to	PART
framr-4076	668	22	promote	promote	VERB
framr-4076	668	23	csr	csr	X
framr-4076	668	24	standard	standard	ADJ
framr-4076	668	25	compliance	compliance	NOUN
framr-4076	668	26	and	and	CCONJ
framr-4076	668	27	reduce	reduce	VERB
framr-4076	668	28	greenwashing	greenwashing	NOUN
framr-4076	668	29	.	.	PUNCT
framr-4076	669	1	therefore	therefore	ADV
framr-4076	669	2	,	,	PUNCT
framr-4076	669	3	a	a	DET
framr-4076	669	4	crucial	crucial	ADJ
framr-4076	669	5	component	component	NOUN
framr-4076	669	6	of	of	ADP
framr-4076	669	7	greenwashing	greenwashing	NOUN
framr-4076	669	8	is	be	AUX
framr-4076	669	9	a	a	DET
framr-4076	669	10	third	third	ADJ
framr-4076	669	11	-	-	PUNCT
framr-4076	669	12	party	party	NOUN
framr-4076	669	13	complaint	complaint	NOUN
framr-4076	669	14	.	.	PUNCT
framr-4076	670	1	6.3	6.3	NUM
framr-4076	670	2	.	.	PUNCT
framr-4076	671	1	corporate	corporate	ADJ
framr-4076	671	2	governance	governance	NOUN
framr-4076	671	3	and	and	CCONJ
framr-4076	671	4	ethical	ethical	ADJ
framr-4076	671	5	practices	practice	NOUN
framr-4076	671	6	6.3.1	6.3.1	NUM
framr-4076	671	7	.	.	PUNCT
framr-4076	672	1	best	good	ADJ
framr-4076	672	2	practices	practice	NOUN
framr-4076	672	3	for	for	ADP
framr-4076	672	4	corporate	corporate	ADJ
framr-4076	672	5	governance	governance	NOUN
framr-4076	672	6	the	the	DET
framr-4076	672	7	three	three	NUM
framr-4076	672	8	main	main	ADJ
framr-4076	672	9	forces	force	NOUN
framr-4076	672	10	that	that	PRON
framr-4076	672	11	push	push	VERB
framr-4076	672	12	businesses	business	NOUN
framr-4076	672	13	to	to	PART
framr-4076	672	14	participate	participate	VERB
framr-4076	672	15	in	in	ADP
framr-4076	672	16	greenwashing	greenwashing	NOUN
framr-4076	672	17	are	be	AUX
framr-4076	672	18	individual	individual	ADJ
framr-4076	672	19	,	,	PUNCT
framr-4076	672	20	internal	internal	ADJ
framr-4076	672	21	/	/	SYM
framr-4076	672	22	organisational	organisational	ADJ
framr-4076	672	23	,	,	PUNCT
framr-4076	672	24	and	and	CCONJ
framr-4076	672	25	external	external	ADJ
framr-4076	672	26	.	.	PUNCT
framr-4076	673	1	researchers	researcher	NOUN
framr-4076	673	2	have	have	AUX
framr-4076	673	3	shown	show	VERB
framr-4076	673	4	that	that	SCONJ
framr-4076	673	5	gaining	gain	VERB
framr-4076	673	6	credibility	credibility	NOUN
framr-4076	673	7	with	with	ADP
framr-4076	673	8	stakeholders	stakeholder	NOUN
framr-4076	673	9	—	—	PUNCT
framr-4076	673	10	also	also	ADV
framr-4076	673	11	known	know	VERB
framr-4076	673	12	as	as	ADP
framr-4076	673	13	reputational	reputational	ADJ
framr-4076	673	14	benefits	benefit	NOUN
framr-4076	673	15	—	—	PUNCT
framr-4076	673	16	is	be	AUX
framr-4076	673	17	a	a	DET
framr-4076	673	18	major	major	ADJ
framr-4076	673	19	external	external	ADJ
framr-4076	673	20	driver	driver	NOUN
framr-4076	673	21	behind	behind	ADP
framr-4076	673	22	companies	company	NOUN
framr-4076	673	23	'	'	PART
framr-4076	673	24	greenwashing	greenwashing	NOUN
framr-4076	673	25	practices	practice	NOUN
framr-4076	673	26	.	.	PUNCT
framr-4076	674	1	additional	additional	ADJ
framr-4076	674	2	external	external	ADJ
framr-4076	674	3	factors	factor	NOUN
framr-4076	674	4	include	include	VERB
framr-4076	674	5	stakeholder	stakeholder	NOUN
framr-4076	674	6	pressure	pressure	NOUN
framr-4076	674	7	from	from	ADP
framr-4076	674	8	investors	investor	NOUN
framr-4076	674	9	,	,	PUNCT
framr-4076	674	10	customers	customer	NOUN
framr-4076	674	11	,	,	PUNCT
framr-4076	674	12	and	and	CCONJ
framr-4076	674	13	ngos	ngo	NOUN
framr-4076	674	14	,	,	PUNCT
framr-4076	674	15	while	while	SCONJ
framr-4076	674	16	internal	internal	ADJ
framr-4076	674	17	factors	factor	NOUN
framr-4076	674	18	include	include	VERB
framr-4076	674	19	"	"	PUNCT
framr-4076	674	20	inertia	inertia	NOUN
framr-4076	674	21	"	"	PUNCT
framr-4076	674	22	and	and	CCONJ
framr-4076	674	23	a	a	DET
framr-4076	674	24	lack	lack	NOUN
framr-4076	674	25	of	of	ADP
framr-4076	674	26	an	an	DET
framr-4076	674	27	ethical	ethical	ADJ
framr-4076	674	28	culture	culture	NOUN
framr-4076	674	29	inside	inside	ADP
framr-4076	674	30	businesses	business	NOUN
framr-4076	674	31	(	(	PUNCT
framr-4076	674	32	shanor	shanor	NOUN
framr-4076	674	33	&	&	CCONJ
framr-4076	674	34	light	light	NOUN
framr-4076	674	35	,	,	PUNCT
framr-4076	674	36	2022	2022	NUM
framr-4076	674	37	)	)	PUNCT
framr-4076	674	38	.	.	PUNCT
framr-4076	675	1	the	the	DET
framr-4076	675	2	field	field	NOUN
framr-4076	675	3	's	's	PART
framr-4076	675	4	adoption	adoption	NOUN
framr-4076	675	5	of	of	ADP
framr-4076	675	6	a	a	DET
framr-4076	675	7	legal	legal	ADJ
framr-4076	675	8	component	component	NOUN
framr-4076	675	9	may	may	AUX
framr-4076	675	10	reduce	reduce	VERB
framr-4076	675	11	suspicion	suspicion	NOUN
framr-4076	675	12	and	and	CCONJ
framr-4076	675	13	strengthen	strengthen	VERB
framr-4076	675	14	ties	tie	NOUN
framr-4076	675	15	between	between	ADP
framr-4076	675	16	institutions	institution	NOUN
framr-4076	675	17	and	and	CCONJ
framr-4076	675	18	the	the	DET
framr-4076	675	19	general	general	ADJ
framr-4076	675	20	public	public	NOUN
framr-4076	675	21	.	.	PUNCT
framr-4076	676	1	but	but	CCONJ
framr-4076	676	2	it	it	PRON
framr-4076	676	3	necessitates	necessitate	VERB
framr-4076	676	4	acknowledging	acknowledge	VERB
framr-4076	676	5	that	that	SCONJ
framr-4076	676	6	the	the	DET
framr-4076	676	7	debate	debate	NOUN
framr-4076	676	8	around	around	ADP
framr-4076	676	9	csr	csr	NOUN
framr-4076	676	10	is	be	AUX
framr-4076	676	11	expanding	expand	VERB
framr-4076	676	12	beyond	beyond	ADP
framr-4076	676	13	management	management	NOUN
framr-4076	676	14	and	and	CCONJ
framr-4076	676	15	corporate	corporate	ADJ
framr-4076	676	16	communication	communication	NOUN
framr-4076	676	17	to	to	PART
framr-4076	676	18	include	include	VERB
framr-4076	676	19	legal	legal	ADJ
framr-4076	676	20	,	,	PUNCT
framr-4076	676	21	ethical	ethical	ADJ
framr-4076	676	22	,	,	PUNCT
framr-4076	676	23	and	and	CCONJ
framr-4076	676	24	political	political	ADJ
framr-4076	676	25	aspects	aspect	NOUN
framr-4076	676	26	of	of	ADP
framr-4076	676	27	business	business	NOUN
framr-4076	676	28	(	(	PUNCT
framr-4076	676	29	gatti	gatti	PROPN
framr-4076	676	30	et	et	PROPN
framr-4076	676	31	al	al	PROPN
framr-4076	676	32	.	.	PROPN
framr-4076	676	33	,	,	PUNCT
framr-4076	676	34	2019	2019	NUM
framr-4076	676	35	)	)	PUNCT
framr-4076	676	36	.	.	PUNCT
framr-4076	677	1	ethical	ethical	ADJ
framr-4076	677	2	businesses	business	NOUN
framr-4076	677	3	honour	honour	VERB
framr-4076	677	4	their	their	PRON
framr-4076	677	5	csr	csr	NOUN
framr-4076	677	6	pledges	pledge	NOUN
framr-4076	677	7	and	and	CCONJ
framr-4076	677	8	fulfil	fulfil	VERB
framr-4076	677	9	their	their	PRON
framr-4076	677	10	responsibilities	responsibility	NOUN
framr-4076	677	11	.	.	PUNCT
framr-4076	678	1	is	be	AUX
framr-4076	678	2	it	it	PRON
framr-4076	678	3	possible	possible	ADJ
framr-4076	678	4	to	to	PART
framr-4076	678	5	forecast	forecast	VERB
framr-4076	678	6	which	which	PRON
framr-4076	678	7	businesses	business	NOUN
framr-4076	678	8	will	will	AUX
framr-4076	678	9	give	give	VERB
framr-4076	678	10	in	in	ADP
framr-4076	678	11	to	to	ADP
framr-4076	678	12	the	the	DET
framr-4076	678	13	allure	allure	NOUN
framr-4076	678	14	of	of	ADP
framr-4076	678	15	greenwashing	greenwashing	NOUN
framr-4076	678	16	?	?	PUNCT
framr-4076	679	1	there	there	PRON
framr-4076	679	2	is	be	VERB
framr-4076	679	3	a	a	DET
framr-4076	679	4	spectrum	spectrum	NOUN
framr-4076	679	5	of	of	ADP
framr-4076	679	6	csr	csr	NOUN
framr-4076	679	7	levels	level	NOUN
framr-4076	679	8	,	,	PUNCT
framr-4076	679	9	suggesting	suggest	VERB
framr-4076	679	10	that	that	SCONJ
framr-4076	679	11	a	a	DET
framr-4076	679	12	company	company	NOUN
framr-4076	679	13	has	have	VERB
framr-4076	679	14	discretion	discretion	NOUN
framr-4076	679	15	over	over	ADP
framr-4076	679	16	the	the	DET
framr-4076	679	17	extent	extent	NOUN
framr-4076	679	18	of	of	ADP
framr-4076	679	19	its	its	PRON
framr-4076	679	20	csr	csr	NOUN
framr-4076	679	21	activities	activity	NOUN
framr-4076	679	22	.	.	PUNCT
framr-4076	680	1	businesses	business	NOUN
framr-4076	680	2	that	that	PRON
framr-4076	680	3	breach	breach	VERB
framr-4076	680	4	the	the	DET
framr-4076	680	5	law	law	NOUN
framr-4076	680	6	or	or	CCONJ
framr-4076	680	7	use	use	VERB
framr-4076	680	8	it	it	PRON
framr-4076	680	9	as	as	ADP
framr-4076	680	10	a	a	DET
framr-4076	680	11	negotiating	negotiate	VERB
framr-4076	680	12	chip	chip	NOUN
framr-4076	680	13	,	,	PUNCT
framr-4076	680	14	paying	pay	VERB
framr-4076	680	15	fines	fine	NOUN
framr-4076	680	16	or	or	CCONJ
framr-4076	680	17	penalties	penalty	NOUN
framr-4076	680	18	to	to	PART
framr-4076	680	19	operate	operate	VERB
framr-4076	680	20	at	at	ADP
framr-4076	680	21	the	the	DET
framr-4076	680	22	edge	edge	NOUN
framr-4076	680	23	of	of	ADP
framr-4076	680	24	what	what	PRON
framr-4076	680	25	would	would	AUX
framr-4076	680	26	be	be	AUX
framr-4076	680	27	considered	consider	VERB
framr-4076	680	28	ultra	ultra	ADJ
framr-4076	680	29	vires	vis	NOUN
framr-4076	680	30	,	,	PUNCT
framr-4076	680	31	are	be	AUX
framr-4076	680	32	at	at	ADP
framr-4076	680	33	the	the	DET
framr-4076	680	34	bottom	bottom	NOUN
framr-4076	680	35	of	of	ADP
framr-4076	680	36	these	these	DET
framr-4076	680	37	categories	category	NOUN
framr-4076	680	38	(	(	PUNCT
framr-4076	680	39	cherry	cherry	NOUN
framr-4076	680	40	,	,	PUNCT
framr-4076	680	41	2013	2013	NUM
framr-4076	680	42	)	)	PUNCT
framr-4076	680	43	.	.	PUNCT
framr-4076	681	1	paulet	paulet	NOUN
framr-4076	681	2	,	,	PUNCT
framr-4076	681	3	parnaudeau	parnaudeau	NOUN
framr-4076	681	4	,	,	PUNCT
framr-4076	681	5	and	and	CCONJ
framr-4076	681	6	relano	relano	PROPN
framr-4076	681	7	(	(	PUNCT
framr-4076	681	8	2015	2015	NUM
framr-4076	681	9	)	)	PUNCT
framr-4076	681	10	examined	examine	VERB
framr-4076	681	11	the	the	DET
framr-4076	681	12	moral	moral	ADJ
framr-4076	681	13	conundrums	conundrum	NOUN
framr-4076	681	14	that	that	PRON
framr-4076	681	15	the	the	DET
framr-4076	681	16	banking	banking	NOUN
framr-4076	681	17	sector	sector	NOUN
framr-4076	681	18	encountered	encounter	VERB
framr-4076	681	19	both	both	CCONJ
framr-4076	681	20	during	during	ADP
framr-4076	681	21	and	and	CCONJ
framr-4076	681	22	after	after	ADP
framr-4076	681	23	the	the	DET
framr-4076	681	24	financial	financial	ADJ
framr-4076	681	25	crisis	crisis	NOUN
framr-4076	681	26	,	,	PUNCT
framr-4076	681	27	as	as	ADV
framr-4076	681	28	well	well	ADV
framr-4076	681	29	as	as	ADP
framr-4076	681	30	the	the	DET
framr-4076	681	31	moral	moral	ADJ
framr-4076	681	32	standards	standard	NOUN
framr-4076	681	33	that	that	PRON
framr-4076	681	34	ought	ought	AUX
framr-4076	681	35	to	to	PART
framr-4076	681	36	underpin	underpin	VERB
framr-4076	681	37	the	the	DET
framr-4076	681	38	sector	sector	NOUN
framr-4076	681	39	.	.	PUNCT
framr-4076	682	1	the	the	DET
framr-4076	682	2	answers	answer	NOUN
framr-4076	682	3	from	from	ADP
framr-4076	682	4	ethical	ethical	ADJ
framr-4076	682	5	banks	bank	NOUN
framr-4076	682	6	were	be	AUX
framr-4076	682	7	different	different	ADJ
framr-4076	682	8	in	in	ADP
framr-4076	682	9	key	key	ADJ
framr-4076	682	10	important	important	ADJ
framr-4076	682	11	ways	way	NOUN
framr-4076	682	12	from	from	ADP
framr-4076	682	13	those	those	PRON
framr-4076	682	14	of	of	ADP
framr-4076	682	15	their	their	PRON
framr-4076	682	16	conventional	conventional	ADJ
framr-4076	682	17	rivals	rival	NOUN
framr-4076	682	18	.	.	PUNCT
framr-4076	683	1	even	even	ADV
framr-4076	683	2	though	though	SCONJ
framr-4076	683	3	they	they	PRON
framr-4076	683	4	are	be	AUX
framr-4076	683	5	both	both	PRON
framr-4076	683	6	governed	govern	VERB
framr-4076	683	7	by	by	ADP
framr-4076	683	8	the	the	DET
framr-4076	683	9	same	same	ADJ
framr-4076	683	10	authorities	authority	NOUN
framr-4076	683	11	and	and	CCONJ
framr-4076	683	12	function	function	NOUN
framr-4076	683	13	in	in	ADP
framr-4076	683	14	the	the	DET
framr-4076	683	15	same	same	ADJ
framr-4076	683	16	industry	industry	NOUN
framr-4076	683	17	,	,	PUNCT
framr-4076	683	18	ethical	ethical	ADJ
framr-4076	683	19	banks	bank	NOUN
framr-4076	683	20	are	be	AUX
framr-4076	683	21	a	a	DET
framr-4076	683	22	distinctly	distinctly	ADV
framr-4076	683	23	different	different	ADJ
framr-4076	683	24	kind	kind	NOUN
framr-4076	683	25	of	of	ADP
framr-4076	683	26	financial	financial	ADJ
framr-4076	683	27	institution	institution	NOUN
framr-4076	683	28	.	.	PUNCT
framr-4076	684	1	unlike	unlike	ADP
framr-4076	684	2	activities	activity	NOUN
framr-4076	684	3	in	in	ADP
framr-4076	684	4	secondary	secondary	ADJ
framr-4076	684	5	stock	stock	NOUN
framr-4076	684	6	markets	market	NOUN
framr-4076	684	7	,	,	PUNCT
framr-4076	684	8	local	local	ADJ
framr-4076	684	9	lending	lending	NOUN
framr-4076	684	10	is	be	AUX
framr-4076	684	11	the	the	DET
framr-4076	684	12	main	main	ADJ
framr-4076	684	13	activity	activity	NOUN
framr-4076	684	14	of	of	ADP
framr-4076	684	15	ethical	ethical	ADJ
framr-4076	684	16	banks	bank	NOUN
framr-4076	684	17	.	.	PUNCT
framr-4076	685	1	they	they	PRON
framr-4076	685	2	have	have	AUX
framr-4076	685	3	been	be	AUX
framr-4076	685	4	able	able	ADJ
framr-4076	685	5	to	to	PART
framr-4076	685	6	weather	weather	VERB
framr-4076	685	7	the	the	DET
framr-4076	685	8	recent	recent	ADJ
framr-4076	685	9	financial	financial	ADJ
framr-4076	685	10	crisis	crisis	NOUN
framr-4076	685	11	thanks	thank	NOUN
framr-4076	685	12	to	to	ADP
framr-4076	685	13	their	their	PRON
framr-4076	685	14	banking	banking	NOUN
framr-4076	685	15	strategy	strategy	NOUN
framr-4076	685	16	without	without	ADP
framr-4076	685	17	having	have	VERB
framr-4076	685	18	to	to	PART
framr-4076	685	19	make	make	VERB
framr-4076	685	20	many	many	ADJ
framr-4076	685	21	major	major	ADJ
framr-4076	685	22	operational	operational	ADJ
framr-4076	685	23	changes	change	NOUN
framr-4076	685	24	.	.	PUNCT
framr-4076	686	1	digital	digital	ADJ
framr-4076	686	2	technology	technology	NOUN
framr-4076	686	3	has	have	AUX
framr-4076	686	4	changed	change	VERB
framr-4076	686	5	the	the	DET
framr-4076	686	6	work	work	NOUN
framr-4076	686	7	culture	culture	NOUN
framr-4076	686	8	in	in	ADP
framr-4076	686	9	the	the	DET
framr-4076	686	10	banking	banking	NOUN
framr-4076	686	11	industry	industry	NOUN
framr-4076	686	12	,	,	PUNCT
framr-4076	686	13	and	and	CCONJ
framr-4076	686	14	many	many	ADJ
framr-4076	686	15	more	more	ADV
framr-4076	686	16	traditional	traditional	ADJ
framr-4076	686	17	banks	bank	NOUN
framr-4076	686	18	are	be	AUX
framr-4076	686	19	finding	find	VERB
framr-4076	686	20	that	that	SCONJ
framr-4076	686	21	they	they	PRON
framr-4076	686	22	have	have	VERB
framr-4076	686	23	to	to	PART
framr-4076	686	24	reinvent	reinvent	VERB
framr-4076	686	25	their	their	PRON
framr-4076	686	26	businesses	business	NOUN
framr-4076	686	27	and	and	CCONJ
framr-4076	686	28	cultures	culture	NOUN
framr-4076	686	29	in	in	ADP
framr-4076	686	30	order	order	NOUN
framr-4076	686	31	to	to	PART
framr-4076	686	32	welcome	welcome	VERB
framr-4076	686	33	diversity	diversity	NOUN
framr-4076	686	34	and	and	CCONJ
framr-4076	686	35	inclusion	inclusion	NOUN
framr-4076	686	36	,	,	PUNCT
framr-4076	686	37	promote	promote	VERB
framr-4076	686	38	creativity	creativity	NOUN
framr-4076	686	39	and	and	CCONJ
framr-4076	686	40	fresh	fresh	ADJ
framr-4076	686	41	perspectives	perspective	NOUN
framr-4076	686	42	,	,	PUNCT
framr-4076	686	43	and	and	CCONJ
framr-4076	686	44	promote	promote	VERB
framr-4076	686	45	openness	openness	NOUN
framr-4076	686	46	and	and	CCONJ
framr-4076	686	47	new	new	ADJ
framr-4076	686	48	degrees	degree	NOUN
framr-4076	686	49	of	of	ADP
framr-4076	686	50	customer	customer	NOUN
framr-4076	686	51	trust	trust	NOUN
framr-4076	686	52	.	.	PUNCT
framr-4076	687	1	to	to	PART
framr-4076	687	2	ensure	ensure	VERB
framr-4076	687	3	that	that	SCONJ
framr-4076	687	4	their	their	PRON
framr-4076	687	5	consumers	consumer	NOUN
framr-4076	687	6	are	be	AUX
framr-4076	687	7	adequately	adequately	ADV
framr-4076	687	8	protected	protect	VERB
framr-4076	687	9	,	,	PUNCT
framr-4076	687	10	banks	bank	NOUN
framr-4076	687	11	,	,	PUNCT
framr-4076	687	12	as	as	ADP
framr-4076	687	13	regulated	regulated	ADJ
framr-4076	687	14	companies	company	NOUN
framr-4076	687	15	,	,	PUNCT
framr-4076	687	16	are	be	AUX
framr-4076	687	17	also	also	ADV
framr-4076	687	18	required	require	VERB
framr-4076	687	19	to	to	PART
framr-4076	687	20	closely	closely	ADV
framr-4076	687	21	adhere	adhere	VERB
framr-4076	687	22	to	to	ADP
framr-4076	687	23	"	"	PUNCT
framr-4076	687	24	responsible	responsible	ADJ
framr-4076	687	25	lending	lending	NOUN
framr-4076	687	26	practices	practice	NOUN
framr-4076	687	27	"	"	PUNCT
framr-4076	687	28	in	in	ADP
framr-4076	687	29	line	line	NOUN
framr-4076	687	30	with	with	ADP
framr-4076	687	31	the	the	DET
framr-4076	687	32	present	present	ADJ
framr-4076	687	33	regulatory	regulatory	ADJ
framr-4076	687	34	framework	framework	NOUN
framr-4076	687	35	(	(	PUNCT
framr-4076	687	36	prastyanti	prastyanti	ADJ
framr-4076	687	37	,	,	PUNCT
framr-4076	687	38	rezi	rezi	NOUN
framr-4076	687	39	,	,	PUNCT
framr-4076	687	40	&	&	CCONJ
framr-4076	687	41	rahayu	rahayu	PROPN
framr-4076	687	42	,	,	PUNCT
framr-4076	687	43	2023	2023	NUM
framr-4076	687	44	)	)	PUNCT
framr-4076	687	45	.	.	PUNCT
framr-4076	688	1	businesses	business	NOUN
framr-4076	688	2	that	that	PRON
framr-4076	688	3	put	put	VERB
framr-4076	688	4	ethics	ethic	NOUN
framr-4076	688	5	first	first	ADV
framr-4076	688	6	use	use	VERB
framr-4076	688	7	eco	eco	NOUN
framr-4076	688	8	-	-	PUNCT
framr-4076	688	9	friendly	friendly	ADJ
framr-4076	688	10	practices	practice	NOUN
framr-4076	688	11	,	,	PUNCT
framr-4076	688	12	make	make	VERB
framr-4076	688	13	investments	investment	NOUN
framr-4076	688	14	in	in	ADP
framr-4076	688	15	renewable	renewable	ADJ
framr-4076	688	16	energy	energy	NOUN
framr-4076	688	17	sources	source	NOUN
framr-4076	688	18	,	,	PUNCT
framr-4076	688	19	and	and	CCONJ
framr-4076	688	20	maintain	maintain	VERB
framr-4076	688	21	open	open	ADJ
framr-4076	688	22	lines	line	NOUN
framr-4076	688	23	of	of	ADP
framr-4076	688	24	communication	communication	NOUN
framr-4076	688	25	.	.	PUNCT
framr-4076	689	1	environmental	environmental	ADJ
framr-4076	689	2	practices	practice	NOUN
framr-4076	689	3	must	must	AUX
framr-4076	689	4	be	be	AUX
framr-4076	689	5	transparent	transparent	ADJ
framr-4076	689	6	for	for	ADP
framr-4076	689	7	ethical	ethical	ADJ
framr-4076	689	8	corporate	corporate	ADJ
framr-4076	689	9	decision	decision	NOUN
framr-4076	689	10	-	-	PUNCT
framr-4076	689	11	making	making	NOUN
framr-4076	689	12	to	to	PART
framr-4076	689	13	promote	promote	VERB
framr-4076	689	14	trust	trust	NOUN
framr-4076	689	15	and	and	CCONJ
framr-4076	689	16	educated	educate	VERB
framr-4076	689	17	decision	decision	NOUN
framr-4076	689	18	-	-	PUNCT
framr-4076	689	19	making	making	NOUN
framr-4076	689	20	.	.	PUNCT
framr-4076	690	1	it	it	PRON
framr-4076	690	2	necessitates	necessitate	VERB
framr-4076	690	3	taking	take	VERB
framr-4076	690	4	the	the	DET
framr-4076	690	5	long	long	ADJ
framr-4076	690	6	view	view	NOUN
framr-4076	690	7	and	and	CCONJ
framr-4076	690	8	taking	take	VERB
framr-4076	690	9	long	long	ADJ
framr-4076	690	10	-	-	PUNCT
framr-4076	690	11	term	term	NOUN
framr-4076	690	12	effects	effect	NOUN
framr-4076	690	13	into	into	ADP
framr-4076	690	14	account	account	NOUN
framr-4076	690	15	.	.	PUNCT
framr-4076	691	1	adherence	adherence	NOUN
framr-4076	691	2	to	to	ADP
framr-4076	691	3	environmental	environmental	ADJ
framr-4076	691	4	rules	rule	NOUN
framr-4076	691	5	and	and	CCONJ
framr-4076	691	6	financial	financial	ADJ
framr-4076	691	7	risk	risk	NOUN
framr-4076	691	8	and	and	CCONJ
framr-4076	691	9	management	management	NOUN
framr-4076	691	10	reviews	review	NOUN
framr-4076	691	11	,	,	PUNCT
framr-4076	691	12	2025	2025	NUM
framr-4076	691	13	,	,	PUNCT
framr-4076	691	14	11(1	11(1	NUM
framr-4076	691	15	):	):	PUNCT
framr-4076	691	16	37	37	NUM
framr-4076	691	17	-	-	SYM
framr-4076	691	18	71	71	NUM
framr-4076	691	19	62	62	NUM
framr-4076	691	20	©	©	PROPN
framr-4076	691	21	2025	2025	NUM
framr-4076	691	22	conscientia	conscientia	PROPN
framr-4076	691	23	beam	beam	PROPN
framr-4076	691	24	.	.	PUNCT
framr-4076	692	1	all	all	DET
framr-4076	692	2	rights	right	NOUN
framr-4076	692	3	reserved	reserve	VERB
framr-4076	692	4	.	.	PUNCT
framr-4076	693	1	regulations	regulation	NOUN
framr-4076	693	2	is	be	AUX
framr-4076	693	3	of	of	ADP
framr-4076	693	4	paramount	paramount	ADJ
framr-4076	693	5	importance	importance	NOUN
framr-4076	693	6	,	,	PUNCT
framr-4076	693	7	as	as	SCONJ
framr-4076	693	8	proactive	proactive	ADJ
framr-4076	693	9	sustainability	sustainability	NOUN
framr-4076	693	10	initiatives	initiative	NOUN
framr-4076	693	11	exemplify	exemplify	VERB
framr-4076	693	12	moral	moral	ADJ
framr-4076	693	13	behaviour	behaviour	NOUN
framr-4076	693	14	.	.	PUNCT
framr-4076	694	1	greenwashing	greenwashe	VERB
framr-4076	694	2	impedes	impede	VERB
framr-4076	694	3	sustainable	sustainable	ADJ
framr-4076	694	4	growth	growth	NOUN
framr-4076	694	5	and	and	CCONJ
framr-4076	694	6	moral	moral	ADJ
framr-4076	694	7	business	business	NOUN
framr-4076	694	8	decision	decision	NOUN
framr-4076	694	9	-	-	PUNCT
framr-4076	694	10	making	making	NOUN
framr-4076	694	11	,	,	PUNCT
framr-4076	694	12	whereas	whereas	SCONJ
framr-4076	694	13	businesses	business	NOUN
framr-4076	694	14	that	that	PRON
framr-4076	694	15	put	put	VERB
framr-4076	694	16	ethics	ethic	NOUN
framr-4076	694	17	first	first	ADV
framr-4076	694	18	promote	promote	VERB
framr-4076	694	19	an	an	DET
framr-4076	694	20	open	open	ADJ
framr-4076	694	21	and	and	CCONJ
framr-4076	694	22	accountable	accountable	ADJ
framr-4076	694	23	culture	culture	NOUN
framr-4076	694	24	(	(	PUNCT
framr-4076	694	25	yoganandham	yoganandham	PROPN
framr-4076	694	26	,	,	PUNCT
framr-4076	694	27	kareem	kareem	PROPN
framr-4076	694	28	,	,	PUNCT
framr-4076	694	29	&	&	CCONJ
framr-4076	694	30	khan	khan	PROPN
framr-4076	694	31	,	,	PUNCT
framr-4076	694	32	2024	2024	NUM
framr-4076	694	33	)	)	PUNCT
framr-4076	694	34	.	.	PUNCT
framr-4076	695	1	6.3.2	6.3.2	X
framr-4076	695	2	.	.	PUNCT
framr-4076	696	1	encouraging	encourage	VERB
framr-4076	696	2	ethical	ethical	ADJ
framr-4076	696	3	behaviour	behaviour	NOUN
framr-4076	696	4	in	in	ADP
framr-4076	696	5	fintech	fintech	NOUN
framr-4076	696	6	companies	company	NOUN
framr-4076	696	7	without	without	ADP
framr-4076	696	8	question	question	NOUN
framr-4076	696	9	,	,	PUNCT
framr-4076	696	10	fintech	fintech	NOUN
framr-4076	696	11	lending	lending	NOUN
framr-4076	696	12	has	have	AUX
framr-4076	696	13	revolutionised	revolutionise	VERB
framr-4076	696	14	the	the	DET
framr-4076	696	15	financial	financial	ADJ
framr-4076	696	16	sector	sector	NOUN
framr-4076	696	17	by	by	ADP
framr-4076	696	18	offering	offer	VERB
framr-4076	696	19	accessible	accessible	ADJ
framr-4076	696	20	and	and	CCONJ
framr-4076	696	21	practical	practical	ADJ
framr-4076	696	22	loan	loan	NOUN
framr-4076	696	23	solutions	solution	NOUN
framr-4076	696	24	to	to	ADP
framr-4076	696	25	both	both	DET
framr-4076	696	26	consumers	consumer	NOUN
framr-4076	696	27	and	and	CCONJ
framr-4076	696	28	companies	company	NOUN
framr-4076	696	29	.	.	PUNCT
framr-4076	697	1	but	but	CCONJ
framr-4076	697	2	in	in	ADP
framr-4076	697	3	the	the	DET
framr-4076	697	4	case	case	NOUN
framr-4076	697	5	of	of	ADP
framr-4076	697	6	fintech	fintech	NOUN
framr-4076	697	7	loans	loan	NOUN
framr-4076	697	8	,	,	PUNCT
framr-4076	697	9	there	there	PRON
framr-4076	697	10	are	be	VERB
framr-4076	697	11	some	some	DET
framr-4076	697	12	ethical	ethical	ADJ
framr-4076	697	13	issues	issue	NOUN
framr-4076	697	14	,	,	PUNCT
framr-4076	697	15	just	just	ADV
framr-4076	697	16	as	as	ADP
framr-4076	697	17	in	in	ADP
framr-4076	697	18	any	any	DET
framr-4076	697	19	tech	tech	NOUN
framr-4076	697	20	-	-	PUNCT
framr-4076	697	21	driven	drive	VERB
framr-4076	697	22	sector	sector	NOUN
framr-4076	697	23	.	.	PUNCT
framr-4076	698	1	a	a	DET
framr-4076	698	2	few	few	ADJ
framr-4076	698	3	significant	significant	ADJ
framr-4076	698	4	ethical	ethical	ADJ
framr-4076	698	5	factors	factor	NOUN
framr-4076	698	6	are	be	AUX
framr-4076	698	7	as	as	SCONJ
framr-4076	698	8	follows	follow	VERB
framr-4076	698	9	(	(	PUNCT
framr-4076	698	10	prastyanti	prastyanti	X
framr-4076	698	11	et	et	PROPN
framr-4076	698	12	al	al	PROPN
framr-4076	698	13	.	.	PROPN
framr-4076	698	14	,	,	PUNCT
framr-4076	698	15	2023	2023	NUM
framr-4076	698	16	):	):	PUNCT
framr-4076	698	17	•	•	NUM
framr-4076	698	18	fintech	fintech	NOUN
framr-4076	698	19	lending	lending	NOUN
framr-4076	698	20	platforms	platform	NOUN
framr-4076	698	21	obtain	obtain	VERB
framr-4076	698	22	and	and	CCONJ
framr-4076	698	23	evaluate	evaluate	VERB
framr-4076	698	24	vast	vast	ADJ
framr-4076	698	25	quantities	quantity	NOUN
framr-4076	698	26	of	of	ADP
framr-4076	698	27	financial	financial	ADJ
framr-4076	698	28	and	and	CCONJ
framr-4076	698	29	personal	personal	ADJ
framr-4076	698	30	data	datum	NOUN
framr-4076	698	31	to	to	PART
framr-4076	698	32	determine	determine	VERB
framr-4076	698	33	creditworthiness	creditworthiness	PROPN
framr-4076	698	34	(	(	PUNCT
framr-4076	698	35	raj	raj	PROPN
framr-4076	698	36	&	&	CCONJ
framr-4076	698	37	upadhyay	upadhyay	PROPN
framr-4076	698	38	,	,	PUNCT
framr-4076	698	39	2020	2020	NUM
framr-4076	698	40	)	)	PUNCT
framr-4076	698	41	.	.	PUNCT
framr-4076	699	1	ethical	ethical	ADJ
framr-4076	699	2	issues	issue	NOUN
framr-4076	699	3	surface	surface	VERB
framr-4076	699	4	when	when	SCONJ
framr-4076	699	5	this	this	DET
framr-4076	699	6	data	data	NOUN
framr-4076	699	7	is	be	AUX
framr-4076	699	8	not	not	PART
framr-4076	699	9	sufficiently	sufficiently	ADV
framr-4076	699	10	protected	protect	VERB
framr-4076	699	11	or	or	CCONJ
framr-4076	699	12	is	be	AUX
framr-4076	699	13	utilised	utilise	VERB
framr-4076	699	14	for	for	ADP
framr-4076	699	15	purposes	purpose	NOUN
framr-4076	699	16	beyond	beyond	ADP
framr-4076	699	17	what	what	PRON
framr-4076	699	18	it	it	PRON
framr-4076	699	19	was	be	AUX
framr-4076	699	20	originally	originally	ADV
framr-4076	699	21	intended	intend	VERB
framr-4076	699	22	.	.	PUNCT
framr-4076	700	1	fintech	fintech	NOUN
framr-4076	700	2	businesses	business	NOUN
framr-4076	700	3	need	need	VERB
framr-4076	700	4	to	to	PART
framr-4076	700	5	put	put	VERB
framr-4076	700	6	data	datum	NOUN
framr-4076	700	7	security	security	NOUN
framr-4076	700	8	,	,	PUNCT
framr-4076	700	9	encryption	encryption	NOUN
framr-4076	700	10	,	,	PUNCT
framr-4076	700	11	and	and	CCONJ
framr-4076	700	12	permission	permission	NOUN
framr-4076	700	13	first	first	ADV
framr-4076	700	14	to	to	PART
framr-4076	700	15	preserve	preserve	VERB
framr-4076	700	16	people	people	NOUN
framr-4076	700	17	's	's	PART
framr-4076	700	18	privacy	privacy	NOUN
framr-4076	700	19	.	.	PUNCT
framr-4076	701	1	•	•	NUM
framr-4076	701	2	fintech	fintech	NOUN
framr-4076	701	3	lenders	lender	NOUN
framr-4076	701	4	often	often	ADV
framr-4076	701	5	use	use	VERB
framr-4076	701	6	sophisticated	sophisticated	ADJ
framr-4076	701	7	algorithms	algorithm	NOUN
framr-4076	701	8	and	and	CCONJ
framr-4076	701	9	machine	machine	NOUN
framr-4076	701	10	learning	learning	NOUN
framr-4076	701	11	models	model	NOUN
framr-4076	701	12	to	to	PART
framr-4076	701	13	make	make	VERB
framr-4076	701	14	lending	lending	NOUN
framr-4076	701	15	choices	choice	NOUN
framr-4076	701	16	.	.	PUNCT
framr-4076	702	1	the	the	DET
framr-4076	702	2	moral	moral	ADJ
framr-4076	702	3	conundrum	conundrum	NOUN
framr-4076	702	4	is	be	AUX
framr-4076	702	5	to	to	PART
framr-4076	702	6	guarantee	guarantee	VERB
framr-4076	702	7	that	that	SCONJ
framr-4076	702	8	these	these	DET
framr-4076	702	9	models	model	NOUN
framr-4076	702	10	are	be	AUX
framr-4076	702	11	impartial	impartial	ADJ
framr-4076	702	12	and	and	CCONJ
framr-4076	702	13	fair	fair	ADJ
framr-4076	702	14	without	without	ADP
framr-4076	702	15	supporting	support	VERB
framr-4076	702	16	prejudice	prejudice	NOUN
framr-4076	702	17	based	base	VERB
framr-4076	702	18	on	on	ADP
framr-4076	702	19	socioeconomic	socioeconomic	ADJ
framr-4076	702	20	class	class	NOUN
framr-4076	702	21	,	,	PUNCT
framr-4076	702	22	gender	gender	NOUN
framr-4076	702	23	,	,	PUNCT
framr-4076	702	24	or	or	CCONJ
framr-4076	702	25	race	race	NOUN
framr-4076	702	26	(	(	PUNCT
framr-4076	702	27	rovatsos	rovatsos	NOUN
framr-4076	702	28	,	,	PUNCT
framr-4076	702	29	mittelstadt	mittelstadt	NOUN
framr-4076	702	30	,	,	PUNCT
framr-4076	702	31	&	&	CCONJ
framr-4076	702	32	koene	koene	PROPN
framr-4076	702	33	,	,	PUNCT
framr-4076	702	34	2019	2019	NUM
framr-4076	702	35	)	)	PUNCT
framr-4076	702	36	.	.	PUNCT
framr-4076	703	1	fintech	fintech	NOUN
framr-4076	703	2	lenders	lender	NOUN
framr-4076	703	3	have	have	VERB
framr-4076	703	4	to	to	PART
framr-4076	703	5	follow	follow	VERB
framr-4076	703	6	responsible	responsible	ADJ
framr-4076	703	7	lending	lending	NOUN
framr-4076	703	8	guidelines	guideline	NOUN
framr-4076	703	9	in	in	ADP
framr-4076	703	10	order	order	NOUN
framr-4076	703	11	to	to	PART
framr-4076	703	12	stop	stop	VERB
framr-4076	703	13	predatory	predatory	ADJ
framr-4076	703	14	lending	lending	NOUN
framr-4076	703	15	.	.	PUNCT
framr-4076	704	1	•	•	NUM
framr-4076	704	2	the	the	DET
framr-4076	704	3	goal	goal	NOUN
framr-4076	704	4	of	of	ADP
framr-4076	704	5	fintech	fintech	NOUN
framr-4076	704	6	lending	lending	NOUN
framr-4076	704	7	ought	ought	AUX
framr-4076	704	8	to	to	PART
framr-4076	704	9	be	be	AUX
framr-4076	704	10	to	to	PART
framr-4076	704	11	advance	advance	VERB
framr-4076	704	12	financial	financial	ADJ
framr-4076	704	13	literacy	literacy	NOUN
framr-4076	704	14	and	and	CCONJ
framr-4076	704	15	inclusiveness	inclusiveness	NOUN
framr-4076	704	16	(	(	PUNCT
framr-4076	704	17	moenjak	moenjak	PROPN
framr-4076	704	18	,	,	PUNCT
framr-4076	704	19	kongprajya	kongprajya	NOUN
framr-4076	704	20	,	,	PUNCT
framr-4076	704	21	&	&	CCONJ
framr-4076	704	22	monchaitrakul	monchaitrakul	PROPN
framr-4076	704	23	,	,	PUNCT
framr-4076	704	24	2020	2020	NUM
framr-4076	704	25	)	)	PUNCT
framr-4076	704	26	.	.	PUNCT
framr-4076	705	1	additionally	additionally	ADV
framr-4076	705	2	,	,	PUNCT
framr-4076	705	3	initiatives	initiative	NOUN
framr-4076	705	4	to	to	PART
framr-4076	705	5	involve	involve	VERB
framr-4076	705	6	underserved	underserved	ADJ
framr-4076	705	7	populations	population	NOUN
framr-4076	705	8	and	and	CCONJ
framr-4076	705	9	guarantee	guarantee	VERB
framr-4076	705	10	that	that	SCONJ
framr-4076	705	11	fintech	fintech	NOUN
framr-4076	705	12	financing	financing	NOUN
framr-4076	705	13	does	do	AUX
framr-4076	705	14	n't	not	PART
framr-4076	705	15	worsen	worsen	VERB
framr-4076	705	16	already	already	ADV
framr-4076	705	17	-	-	PUNCT
framr-4076	705	18	existing	exist	VERB
framr-4076	705	19	disparities	disparity	NOUN
framr-4076	705	20	should	should	AUX
framr-4076	705	21	be	be	AUX
framr-4076	705	22	undertaken	undertake	VERB
framr-4076	705	23	.	.	PUNCT
framr-4076	706	1	•	•	NUM
framr-4076	706	2	legal	legal	ADJ
framr-4076	706	3	and	and	CCONJ
framr-4076	706	4	financial	financial	ADJ
framr-4076	706	5	risks	risk	NOUN
framr-4076	706	6	are	be	AUX
framr-4076	706	7	decreased	decrease	VERB
framr-4076	706	8	by	by	ADP
framr-4076	706	9	making	make	VERB
framr-4076	706	10	ethical	ethical	ADJ
framr-4076	706	11	decisions	decision	NOUN
framr-4076	706	12	because	because	SCONJ
framr-4076	706	13	they	they	PRON
framr-4076	706	14	guard	guard	VERB
framr-4076	706	15	against	against	ADP
framr-4076	706	16	the	the	DET
framr-4076	706	17	consequences	consequence	NOUN
framr-4076	706	18	of	of	ADP
framr-4076	706	19	unethical	unethical	ADJ
framr-4076	706	20	behaviour	behaviour	NOUN
framr-4076	706	21	.	.	PUNCT
framr-4076	707	1	by	by	ADP
framr-4076	707	2	honouring	honour	VERB
framr-4076	707	3	contractual	contractual	ADJ
framr-4076	707	4	obligations	obligation	NOUN
framr-4076	707	5	and	and	CCONJ
framr-4076	707	6	moral	moral	ADJ
framr-4076	707	7	convictions	conviction	NOUN
framr-4076	707	8	,	,	PUNCT
framr-4076	707	9	a	a	DET
framr-4076	707	10	business	business	NOUN
framr-4076	707	11	can	can	AUX
framr-4076	707	12	lower	lower	VERB
framr-4076	707	13	its	its	PRON
framr-4076	707	14	risk	risk	NOUN
framr-4076	707	15	of	of	ADP
framr-4076	707	16	litigation	litigation	NOUN
framr-4076	707	17	and	and	CCONJ
framr-4076	707	18	related	related	ADJ
framr-4076	707	19	expenses	expense	NOUN
framr-4076	707	20	,	,	PUNCT
framr-4076	707	21	safeguarding	safeguard	VERB
framr-4076	707	22	its	its	PRON
framr-4076	707	23	integrity	integrity	NOUN
framr-4076	707	24	and	and	CCONJ
framr-4076	707	25	long	long	ADJ
framr-4076	707	26	-	-	PUNCT
framr-4076	707	27	term	term	NOUN
framr-4076	707	28	profitability	profitability	NOUN
framr-4076	707	29	.	.	PUNCT
framr-4076	708	1	by	by	ADP
framr-4076	708	2	placing	place	VERB
framr-4076	708	3	ethical	ethical	ADJ
framr-4076	708	4	principles	principle	NOUN
framr-4076	708	5	first	first	ADV
framr-4076	708	6	when	when	SCONJ
framr-4076	708	7	making	make	VERB
framr-4076	708	8	decisions	decision	NOUN
framr-4076	708	9	,	,	PUNCT
framr-4076	708	10	businesses	business	NOUN
framr-4076	708	11	may	may	AUX
framr-4076	708	12	develop	develop	VERB
framr-4076	708	13	a	a	DET
framr-4076	708	14	culture	culture	NOUN
framr-4076	708	15	of	of	ADP
framr-4076	708	16	integrity	integrity	NOUN
framr-4076	708	17	,	,	PUNCT
framr-4076	708	18	responsibility	responsibility	NOUN
framr-4076	708	19	,	,	PUNCT
framr-4076	708	20	and	and	CCONJ
framr-4076	708	21	sustainability	sustainability	NOUN
framr-4076	708	22	and	and	CCONJ
framr-4076	708	23	position	position	VERB
framr-4076	708	24	themselves	themselves	PRON
framr-4076	708	25	as	as	ADP
framr-4076	708	26	ethical	ethical	ADJ
framr-4076	708	27	leaders	leader	NOUN
framr-4076	708	28	in	in	ADP
framr-4076	708	29	their	their	PRON
framr-4076	708	30	respective	respective	ADJ
framr-4076	708	31	industries	industry	NOUN
framr-4076	708	32	(	(	PUNCT
framr-4076	708	33	yoganandham	yoganandham	PROPN
framr-4076	708	34	et	et	PROPN
framr-4076	708	35	al	al	PROPN
framr-4076	708	36	.	.	PROPN
framr-4076	708	37	,	,	PUNCT
framr-4076	708	38	2024	2024	NUM
framr-4076	708	39	)	)	PUNCT
framr-4076	708	40	.	.	PUNCT
framr-4076	709	1	6.4	6.4	NUM
framr-4076	709	2	.	.	PUNCT
framr-4076	709	3	consumer	consumer	NOUN
framr-4076	709	4	awareness	awareness	NOUN
framr-4076	709	5	and	and	CCONJ
framr-4076	709	6	advocacy	advocacy	NOUN
framr-4076	709	7	6.4.1	6.4.1	NUM
framr-4076	709	8	.	.	PUNCT
framr-4076	710	1	empowering	empower	VERB
framr-4076	710	2	consumers	consumer	NOUN
framr-4076	710	3	through	through	ADP
framr-4076	710	4	education	education	NOUN
framr-4076	710	5	many	many	ADJ
framr-4076	710	6	businesses	business	NOUN
framr-4076	710	7	utilize	utilize	VERB
framr-4076	710	8	the	the	DET
framr-4076	710	9	practice	practice	NOUN
framr-4076	710	10	of	of	ADP
framr-4076	710	11	"	"	PUNCT
framr-4076	710	12	greenwashing	greenwashing	NOUN
framr-4076	710	13	,	,	PUNCT
framr-4076	710	14	"	"	PUNCT
framr-4076	710	15	which	which	PRON
framr-4076	710	16	involves	involve	VERB
framr-4076	710	17	making	make	VERB
framr-4076	710	18	false	false	ADJ
framr-4076	710	19	claims	claim	NOUN
framr-4076	710	20	about	about	ADP
framr-4076	710	21	sustainability	sustainability	NOUN
framr-4076	710	22	in	in	ADP
framr-4076	710	23	an	an	DET
framr-4076	710	24	attempt	attempt	NOUN
framr-4076	710	25	to	to	PART
framr-4076	710	26	deceive	deceive	VERB
framr-4076	710	27	customers	customer	NOUN
framr-4076	710	28	into	into	ADP
framr-4076	710	29	buying	buy	VERB
framr-4076	710	30	their	their	PRON
framr-4076	710	31	products	product	NOUN
framr-4076	710	32	,	,	PUNCT
framr-4076	710	33	rather	rather	ADV
framr-4076	710	34	than	than	ADP
framr-4076	710	35	being	be	AUX
framr-4076	710	36	sustainable	sustainable	ADJ
framr-4076	710	37	.	.	PUNCT
framr-4076	711	1	as	as	ADP
framr-4076	711	2	a	a	DET
framr-4076	711	3	result	result	NOUN
framr-4076	711	4	,	,	PUNCT
framr-4076	711	5	customer	customer	NOUN
framr-4076	711	6	education	education	NOUN
framr-4076	711	7	and	and	CCONJ
framr-4076	711	8	awareness	awareness	NOUN
framr-4076	711	9	became	become	VERB
framr-4076	711	10	crucial	crucial	ADJ
framr-4076	711	11	to	to	PART
framr-4076	711	12	prevent	prevent	VERB
framr-4076	711	13	these	these	DET
framr-4076	711	14	deceptive	deceptive	ADJ
framr-4076	711	15	practices	practice	NOUN
framr-4076	711	16	used	use	VERB
framr-4076	711	17	by	by	ADP
framr-4076	711	18	the	the	DET
framr-4076	711	19	companies	company	NOUN
framr-4076	711	20	(	(	PUNCT
framr-4076	711	21	bosch	bosch	PROPN
framr-4076	711	22	,	,	PUNCT
framr-4076	711	23	obeso	obeso	NOUN
framr-4076	711	24	,	,	PUNCT
framr-4076	711	25	&	&	CCONJ
framr-4076	711	26	palao	palao	PROPN
framr-4076	711	27	,	,	PUNCT
framr-4076	711	28	2023	2023	NUM
framr-4076	711	29	)	)	PUNCT
framr-4076	711	30	.	.	PUNCT
framr-4076	712	1	it	it	PRON
framr-4076	712	2	is	be	AUX
framr-4076	712	3	crucial	crucial	ADJ
framr-4076	712	4	to	to	PART
framr-4076	712	5	keep	keep	VERB
framr-4076	712	6	up	up	ADP
framr-4076	712	7	the	the	DET
framr-4076	712	8	fight	fight	NOUN
framr-4076	712	9	against	against	ADP
framr-4076	712	10	greenwashing	greenwashing	NOUN
framr-4076	712	11	,	,	PUNCT
framr-4076	712	12	to	to	PART
framr-4076	712	13	give	give	VERB
framr-4076	712	14	clear	clear	ADJ
framr-4076	712	15	information	information	NOUN
framr-4076	712	16	,	,	PUNCT
framr-4076	712	17	and	and	CCONJ
framr-4076	712	18	to	to	PART
framr-4076	712	19	empower	empower	VERB
framr-4076	712	20	customers	customer	NOUN
framr-4076	712	21	with	with	ADP
framr-4076	712	22	information	information	NOUN
framr-4076	712	23	and	and	CCONJ
framr-4076	712	24	education	education	NOUN
framr-4076	712	25	.	.	PUNCT
framr-4076	713	1	it	it	PRON
framr-4076	713	2	supports	support	VERB
framr-4076	713	3	the	the	DET
framr-4076	713	4	idea	idea	NOUN
framr-4076	713	5	that	that	SCONJ
framr-4076	713	6	fast	fast	ADJ
framr-4076	713	7	fashion	fashion	NOUN
framr-4076	713	8	should	should	AUX
framr-4076	713	9	be	be	AUX
framr-4076	713	10	sustainable	sustainable	ADJ
framr-4076	713	11	and	and	CCONJ
framr-4076	713	12	that	that	SCONJ
framr-4076	713	13	there	there	PRON
framr-4076	713	14	should	should	AUX
framr-4076	713	15	be	be	AUX
framr-4076	713	16	a	a	DET
framr-4076	713	17	concentrated	concentrated	ADJ
framr-4076	713	18	effort	effort	NOUN
framr-4076	713	19	to	to	PART
framr-4076	713	20	counteract	counteract	VERB
framr-4076	713	21	greenwashing	greenwashing	NOUN
framr-4076	713	22	(	(	PUNCT
framr-4076	713	23	mende	mende	PROPN
framr-4076	713	24	&	&	CCONJ
framr-4076	713	25	scott	scott	PROPN
framr-4076	713	26	,	,	PUNCT
framr-4076	713	27	2013	2013	NUM
framr-4076	713	28	)	)	PUNCT
framr-4076	713	29	.	.	PUNCT
framr-4076	714	1	a	a	DET
framr-4076	714	2	key	key	ADJ
framr-4076	714	3	component	component	NOUN
framr-4076	714	4	of	of	ADP
framr-4076	714	5	raising	raise	VERB
framr-4076	714	6	awareness	awareness	NOUN
framr-4076	714	7	is	be	AUX
framr-4076	714	8	consumer	consumer	NOUN
framr-4076	714	9	education	education	NOUN
framr-4076	714	10	.	.	PUNCT
framr-4076	715	1	encouraging	encourage	VERB
framr-4076	715	2	customers	customer	NOUN
framr-4076	715	3	to	to	PART
framr-4076	715	4	make	make	VERB
framr-4076	715	5	more	more	ADV
framr-4076	715	6	sustainable	sustainable	ADJ
framr-4076	715	7	purchase	purchase	NOUN
framr-4076	715	8	decisions	decision	NOUN
framr-4076	715	9	and	and	CCONJ
framr-4076	715	10	holding	hold	VERB
framr-4076	715	11	corporations	corporation	NOUN
framr-4076	715	12	responsible	responsible	ADJ
framr-4076	715	13	for	for	ADP
framr-4076	715	14	their	their	PRON
framr-4076	715	15	green	green	ADJ
framr-4076	715	16	promises	promise	NOUN
framr-4076	715	17	may	may	AUX
framr-4076	715	18	be	be	AUX
framr-4076	715	19	achieved	achieve	VERB
framr-4076	715	20	through	through	ADP
framr-4076	715	21	the	the	DET
framr-4076	715	22	implementation	implementation	NOUN
framr-4076	715	23	of	of	ADP
framr-4076	715	24	educational	educational	ADJ
framr-4076	715	25	programs	program	NOUN
framr-4076	715	26	,	,	PUNCT
framr-4076	715	27	such	such	ADJ
framr-4076	715	28	as	as	ADP
framr-4076	715	29	master	master	NOUN
framr-4076	715	30	classes	class	NOUN
framr-4076	715	31	and	and	CCONJ
framr-4076	715	32	the	the	DET
framr-4076	715	33	integration	integration	NOUN
framr-4076	715	34	of	of	ADP
framr-4076	715	35	sustainability	sustainability	NOUN
framr-4076	715	36	education	education	NOUN
framr-4076	715	37	into	into	ADP
framr-4076	715	38	schools	school	NOUN
framr-4076	715	39	(	(	PUNCT
framr-4076	715	40	bosch	bosch	PROPN
framr-4076	715	41	et	et	PROPN
framr-4076	715	42	al	al	PROPN
framr-4076	715	43	.	.	PROPN
framr-4076	715	44	,	,	PUNCT
framr-4076	715	45	2023	2023	NUM
framr-4076	715	46	)	)	PUNCT
framr-4076	715	47	.	.	PUNCT
framr-4076	716	1	there	there	PRON
framr-4076	716	2	has	have	AUX
framr-4076	716	3	been	be	AUX
framr-4076	716	4	a	a	DET
framr-4076	716	5	need	need	NOUN
framr-4076	716	6	for	for	ADP
framr-4076	716	7	increased	increase	VERB
framr-4076	716	8	consumer	consumer	NOUN
framr-4076	716	9	education	education	NOUN
framr-4076	716	10	on	on	ADP
framr-4076	716	11	the	the	DET
framr-4076	716	12	identification	identification	NOUN
framr-4076	716	13	and	and	CCONJ
framr-4076	716	14	avoidance	avoidance	NOUN
framr-4076	716	15	of	of	ADP
framr-4076	716	16	false	false	ADJ
framr-4076	716	17	environmental	environmental	ADJ
framr-4076	716	18	claims	claim	NOUN
framr-4076	716	19	in	in	ADP
framr-4076	716	20	order	order	NOUN
framr-4076	716	21	to	to	PART
framr-4076	716	22	tackle	tackle	VERB
framr-4076	716	23	the	the	DET
framr-4076	716	24	issue	issue	NOUN
framr-4076	716	25	of	of	ADP
framr-4076	716	26	greenwashing	greenwashing	NOUN
framr-4076	716	27	(	(	PUNCT
framr-4076	716	28	tang	tang	PROPN
framr-4076	716	29	,	,	PUNCT
framr-4076	716	30	shen	shen	NOUN
framr-4076	716	31	,	,	PUNCT
framr-4076	716	32	&	&	CCONJ
framr-4076	716	33	khachatryan	khachatryan	ADJ
framr-4076	716	34	,	,	PUNCT
framr-4076	716	35	2018	2018	NUM
framr-4076	716	36	)	)	PUNCT
framr-4076	716	37	.	.	PUNCT
framr-4076	717	1	however	however	ADV
framr-4076	717	2	,	,	PUNCT
framr-4076	717	3	it	it	PRON
framr-4076	717	4	is	be	AUX
framr-4076	717	5	uncertain	uncertain	ADJ
framr-4076	717	6	how	how	SCONJ
framr-4076	717	7	much	much	ADJ
framr-4076	717	8	it	it	PRON
framr-4076	717	9	will	will	AUX
framr-4076	717	10	cost	cost	VERB
framr-4076	717	11	non	non	ADJ
framr-4076	717	12	-	-	ADJ
framr-4076	717	13	financially	financially	ADV
framr-4076	717	14	to	to	PART
framr-4076	717	15	educate	educate	VERB
framr-4076	717	16	customers	customer	NOUN
framr-4076	717	17	about	about	ADP
framr-4076	717	18	the	the	DET
framr-4076	717	19	issue	issue	NOUN
framr-4076	717	20	of	of	ADP
framr-4076	717	21	greenwashing	greenwashing	NOUN
framr-4076	717	22	.	.	PUNCT
framr-4076	718	1	four	four	NUM
framr-4076	718	2	subnarratives	subnarrative	NOUN
framr-4076	718	3	separate	separate	ADJ
framr-4076	718	4	businesses	business	NOUN
framr-4076	718	5	with	with	ADP
framr-4076	718	6	good	good	ADJ
framr-4076	718	7	and	and	CCONJ
framr-4076	718	8	bad	bad	ADJ
framr-4076	718	9	environmental	environmental	ADJ
framr-4076	718	10	responsibility	responsibility	NOUN
framr-4076	718	11	records	record	NOUN
framr-4076	718	12	,	,	PUNCT
framr-4076	718	13	even	even	ADV
framr-4076	718	14	if	if	SCONJ
framr-4076	718	15	the	the	DET
framr-4076	718	16	main	main	ADJ
framr-4076	718	17	narrative	narrative	NOUN
framr-4076	718	18	of	of	ADP
framr-4076	718	19	consumer	consumer	NOUN
framr-4076	718	20	empowerment	empowerment	NOUN
framr-4076	718	21	remains	remain	VERB
framr-4076	718	22	constant	constant	ADJ
framr-4076	718	23	.	.	PUNCT
framr-4076	719	1	though	though	SCONJ
framr-4076	719	2	not	not	PART
framr-4076	719	3	unique	unique	ADJ
framr-4076	719	4	to	to	ADP
framr-4076	719	5	any	any	DET
framr-4076	719	6	one	one	NUM
framr-4076	719	7	group	group	NOUN
framr-4076	719	8	,	,	PUNCT
framr-4076	719	9	in	in	ADP
framr-4076	719	10	our	our	PRON
framr-4076	719	11	sample	sample	NOUN
framr-4076	719	12	one	one	NUM
framr-4076	719	13	of	of	ADP
framr-4076	719	14	the	the	DET
framr-4076	719	15	two	two	NUM
framr-4076	719	16	categories	category	NOUN
framr-4076	719	17	of	of	ADP
framr-4076	719	18	firms	firm	NOUN
framr-4076	719	19	uses	use	VERB
framr-4076	719	20	these	these	DET
framr-4076	719	21	subnarratives	subnarrative	NOUN
framr-4076	719	22	more	more	ADV
framr-4076	719	23	frequently	frequently	ADV
framr-4076	719	24	and	and	CCONJ
framr-4076	719	25	more	more	ADV
framr-4076	719	26	heavily	heavily	ADV
framr-4076	719	27	than	than	ADP
framr-4076	719	28	the	the	DET
framr-4076	719	29	other	other	ADJ
framr-4076	719	30	.	.	PUNCT
framr-4076	720	1	more	more	ADV
framr-4076	720	2	specifically	specifically	ADV
framr-4076	720	3	,	,	PUNCT
framr-4076	720	4	businesses	business	NOUN
framr-4076	720	5	with	with	ADP
framr-4076	720	6	bad	bad	ADJ
framr-4076	720	7	environmental	environmental	ADJ
framr-4076	720	8	records	record	NOUN
framr-4076	720	9	tend	tend	VERB
framr-4076	720	10	to	to	PART
framr-4076	720	11	emphasize	emphasize	VERB
framr-4076	720	12	the	the	DET
framr-4076	720	13	value	value	NOUN
framr-4076	720	14	of	of	ADP
framr-4076	720	15	charity	charity	NOUN
framr-4076	720	16	and	and	CCONJ
framr-4076	720	17	scientific	scientific	ADJ
framr-4076	720	18	advancement	advancement	NOUN
framr-4076	720	19	,	,	PUNCT
framr-4076	720	20	whereas	whereas	SCONJ
framr-4076	720	21	businesses	business	NOUN
framr-4076	720	22	with	with	ADP
framr-4076	720	23	good	good	ADJ
framr-4076	720	24	environmental	environmental	ADJ
framr-4076	720	25	records	record	NOUN
framr-4076	720	26	emphasize	emphasize	VERB
framr-4076	720	27	the	the	DET
framr-4076	720	28	importance	importance	NOUN
framr-4076	720	29	of	of	ADP
framr-4076	720	30	political	political	ADJ
framr-4076	720	31	action	action	NOUN
framr-4076	720	32	and	and	CCONJ
framr-4076	720	33	third	third	ADJ
framr-4076	720	34	-	-	PUNCT
framr-4076	720	35	party	party	NOUN
framr-4076	720	36	ecolabels	ecolabel	NOUN
framr-4076	720	37	(	(	PUNCT
framr-4076	720	38	jones	jone	NOUN
framr-4076	720	39	,	,	PUNCT
framr-4076	720	40	financial	financial	ADJ
framr-4076	720	41	risk	risk	NOUN
framr-4076	720	42	and	and	CCONJ
framr-4076	720	43	management	management	NOUN
framr-4076	720	44	reviews	review	NOUN
framr-4076	720	45	,	,	PUNCT
framr-4076	720	46	2025	2025	NUM
framr-4076	720	47	,	,	PUNCT
framr-4076	720	48	11(1	11(1	NUM
framr-4076	720	49	):	):	PUNCT
framr-4076	720	50	37	37	NUM
framr-4076	720	51	-	-	SYM
framr-4076	720	52	71	71	NUM
framr-4076	720	53	63	63	NUM
framr-4076	720	54	©	©	PROPN
framr-4076	720	55	2025	2025	NUM
framr-4076	720	56	conscientia	conscientia	PROPN
framr-4076	720	57	beam	beam	PROPN
framr-4076	720	58	.	.	PUNCT
framr-4076	721	1	all	all	DET
framr-4076	721	2	rights	right	NOUN
framr-4076	721	3	reserved	reserve	VERB
framr-4076	721	4	.	.	PUNCT
framr-4076	722	1	2019	2019	NUM
framr-4076	722	2	)	)	PUNCT
framr-4076	722	3	.	.	PUNCT
framr-4076	723	1	green	green	ADJ
framr-4076	723	2	consumerism	consumerism	PROPN
framr-4076	723	3	promotes	promote	VERB
framr-4076	723	4	environmentally	environmentally	ADV
framr-4076	723	5	friendly	friendly	ADJ
framr-4076	723	6	items	item	NOUN
framr-4076	723	7	without	without	ADP
framr-4076	723	8	sacrificing	sacrifice	VERB
framr-4076	723	9	preferences	preference	NOUN
framr-4076	723	10	by	by	ADP
framr-4076	723	11	giving	give	VERB
framr-4076	723	12	customers	customer	NOUN
framr-4076	723	13	the	the	DET
framr-4076	723	14	freedom	freedom	NOUN
framr-4076	723	15	to	to	PART
framr-4076	723	16	make	make	VERB
framr-4076	723	17	knowledgeable	knowledgeable	ADJ
framr-4076	723	18	decisions	decision	NOUN
framr-4076	723	19	regarding	regard	VERB
framr-4076	723	20	both	both	CCONJ
framr-4076	723	21	public	public	ADJ
framr-4076	723	22	and	and	CCONJ
framr-4076	723	23	private	private	ADJ
framr-4076	723	24	commodities	commodity	NOUN
framr-4076	723	25	.	.	PUNCT
framr-4076	724	1	this	this	PRON
framr-4076	724	2	promotes	promote	VERB
framr-4076	724	3	sustainable	sustainable	ADJ
framr-4076	724	4	habits	habit	NOUN
framr-4076	724	5	.	.	PUNCT
framr-4076	725	1	it	it	PRON
framr-4076	725	2	was	be	AUX
framr-4076	725	3	founded	found	VERB
framr-4076	725	4	in	in	ADP
framr-4076	725	5	the	the	DET
framr-4076	725	6	1980s	1980	NOUN
framr-4076	725	7	and	and	CCONJ
framr-4076	725	8	promotes	promote	VERB
framr-4076	725	9	ecologically	ecologically	ADV
framr-4076	725	10	friendly	friendly	ADJ
framr-4076	725	11	companies	company	NOUN
framr-4076	725	12	and	and	CCONJ
framr-4076	725	13	goods	good	NOUN
framr-4076	725	14	,	,	PUNCT
framr-4076	725	15	even	even	ADV
framr-4076	725	16	if	if	SCONJ
framr-4076	725	17	they	they	PRON
framr-4076	725	18	are	be	AUX
framr-4076	725	19	more	more	ADV
framr-4076	725	20	expensive	expensive	ADJ
framr-4076	725	21	.	.	PUNCT
framr-4076	726	1	some	some	DET
framr-4076	726	2	consumers	consumer	NOUN
framr-4076	726	3	—	—	PUNCT
framr-4076	726	4	gen	gen	PROPN
framr-4076	726	5	y	y	PROPN
framr-4076	726	6	in	in	ADP
framr-4076	726	7	particular	particular	ADJ
framr-4076	726	8	—	—	PUNCT
framr-4076	726	9	continue	continue	VERB
framr-4076	726	10	to	to	PART
framr-4076	726	11	buy	buy	VERB
framr-4076	726	12	greenwashed	greenwashe	VERB
framr-4076	726	13	items	item	NOUN
framr-4076	726	14	despite	despite	SCONJ
framr-4076	726	15	their	their	PRON
framr-4076	726	16	mistrust	mistrust	NOUN
framr-4076	726	17	of	of	ADP
framr-4076	726	18	green	green	ADJ
framr-4076	726	19	promises	promise	NOUN
framr-4076	726	20	because	because	SCONJ
framr-4076	726	21	of	of	ADP
framr-4076	726	22	incomplete	incomplete	ADJ
framr-4076	726	23	information	information	NOUN
framr-4076	726	24	and	and	CCONJ
framr-4076	726	25	deceptive	deceptive	ADJ
framr-4076	726	26	marketing	marketing	NOUN
framr-4076	726	27	.	.	PUNCT
framr-4076	727	1	by	by	ADP
framr-4076	727	2	using	use	VERB
framr-4076	727	3	greenwashing	greenwashing	NOUN
framr-4076	727	4	,	,	PUNCT
framr-4076	727	5	businesses	business	NOUN
framr-4076	727	6	run	run	VERB
framr-4076	727	7	the	the	DET
framr-4076	727	8	danger	danger	NOUN
framr-4076	727	9	of	of	ADP
framr-4076	727	10	losing	lose	VERB
framr-4076	727	11	the	the	DET
framr-4076	727	12	confidence	confidence	NOUN
framr-4076	727	13	of	of	ADP
framr-4076	727	14	consumers	consumer	NOUN
framr-4076	727	15	and	and	CCONJ
framr-4076	727	16	harming	harm	VERB
framr-4076	727	17	their	their	PRON
framr-4076	727	18	brand	brand	NOUN
framr-4076	727	19	's	's	PART
framr-4076	727	20	reputation	reputation	NOUN
framr-4076	727	21	.	.	PUNCT
framr-4076	728	1	businesses	business	NOUN
framr-4076	728	2	should	should	AUX
framr-4076	728	3	implement	implement	VERB
framr-4076	728	4	clear	clear	ADJ
framr-4076	728	5	eco	eco	NOUN
framr-4076	728	6	-	-	PUNCT
framr-4076	728	7	friendly	friendly	ADJ
framr-4076	728	8	processes	process	NOUN
framr-4076	728	9	,	,	PUNCT
framr-4076	728	10	pursue	pursue	NOUN
framr-4076	728	11	certification	certification	NOUN
framr-4076	728	12	,	,	PUNCT
framr-4076	728	13	and	and	CCONJ
framr-4076	728	14	effectively	effectively	ADV
framr-4076	728	15	convey	convey	VERB
framr-4076	728	16	their	their	PRON
framr-4076	728	17	environmental	environmental	ADJ
framr-4076	728	18	efforts	effort	NOUN
framr-4076	728	19	if	if	SCONJ
framr-4076	728	20	they	they	PRON
framr-4076	728	21	want	want	VERB
framr-4076	728	22	to	to	PART
framr-4076	728	23	attract	attract	VERB
framr-4076	728	24	environmentally	environmentally	ADV
framr-4076	728	25	sensitive	sensitive	ADJ
framr-4076	728	26	clients	client	NOUN
framr-4076	728	27	.	.	PUNCT
framr-4076	729	1	important	important	ADJ
framr-4076	729	2	insights	insight	NOUN
framr-4076	729	3	may	may	AUX
framr-4076	729	4	be	be	AUX
framr-4076	729	5	gained	gain	VERB
framr-4076	729	6	from	from	ADP
framr-4076	729	7	market	market	NOUN
framr-4076	729	8	research	research	NOUN
framr-4076	729	9	on	on	ADP
framr-4076	729	10	greenwashing	greenwashing	NOUN
framr-4076	729	11	habits	habit	NOUN
framr-4076	729	12	,	,	PUNCT
framr-4076	729	13	especially	especially	ADV
framr-4076	729	14	about	about	ADP
framr-4076	729	15	generation	generation	NOUN
framr-4076	729	16	y	y	PROPN
framr-4076	729	17	(	(	PUNCT
framr-4076	729	18	wang	wang	PROPN
framr-4076	729	19	,	,	PUNCT
framr-4076	729	20	walker	walker	PROPN
framr-4076	729	21	,	,	PUNCT
framr-4076	729	22	&	&	CCONJ
framr-4076	729	23	barabanov	barabanov	PROPN
framr-4076	729	24	,	,	PUNCT
framr-4076	729	25	2020	2020	NUM
framr-4076	729	26	)	)	PUNCT
framr-4076	729	27	.	.	PUNCT
framr-4076	730	1	6.4.2	6.4.2	X
framr-4076	730	2	.	.	PUNCT
framr-4076	731	1	role	role	NOUN
framr-4076	731	2	of	of	ADP
framr-4076	731	3	advocacy	advocacy	NOUN
framr-4076	731	4	groups	group	NOUN
framr-4076	731	5	in	in	ADP
framr-4076	731	6	combating	combat	VERB
framr-4076	731	7	greenwashing	greenwashe	VERB
framr-4076	731	8	environmental	environmental	ADJ
framr-4076	731	9	statements	statement	NOUN
framr-4076	731	10	produced	produce	VERB
framr-4076	731	11	by	by	ADP
framr-4076	731	12	these	these	DET
framr-4076	731	13	corporations	corporation	NOUN
framr-4076	731	14	have	have	AUX
framr-4076	731	15	been	be	AUX
framr-4076	731	16	more	more	ADV
framr-4076	731	17	inflated	inflated	ADJ
framr-4076	731	18	or	or	CCONJ
framr-4076	731	19	inaccurate	inaccurate	ADJ
framr-4076	731	20	,	,	PUNCT
framr-4076	731	21	according	accord	VERB
framr-4076	731	22	to	to	ADP
framr-4076	731	23	studies	study	NOUN
framr-4076	731	24	,	,	PUNCT
framr-4076	731	25	advocacy	advocacy	NOUN
framr-4076	731	26	organisations	organisation	NOUN
framr-4076	731	27	,	,	PUNCT
framr-4076	731	28	and	and	CCONJ
framr-4076	731	29	specialists	specialist	NOUN
framr-4076	731	30	in	in	ADP
framr-4076	731	31	the	the	DET
framr-4076	731	32	financial	financial	ADJ
framr-4076	731	33	sector	sector	NOUN
framr-4076	731	34	(	(	PUNCT
framr-4076	731	35	ochoa	ochoa	PROPN
framr-4076	731	36	&	&	CCONJ
framr-4076	731	37	holger	holger	PROPN
framr-4076	731	38	,	,	PUNCT
framr-4076	731	39	2020	2020	NUM
framr-4076	731	40	)	)	PUNCT
framr-4076	731	41	.	.	PUNCT
framr-4076	732	1	bingaman	bingaman	PROPN
framr-4076	732	2	,	,	PUNCT
framr-4076	732	3	kipkoech	kipkoech	NOUN
framr-4076	732	4	,	,	PUNCT
framr-4076	732	5	and	and	CCONJ
framr-4076	732	6	crowley	crowley	NOUN
framr-4076	732	7	(	(	PUNCT
framr-4076	732	8	2022	2022	NUM
framr-4076	732	9	)	)	PUNCT
framr-4076	732	10	implied	imply	VERB
framr-4076	732	11	that	that	SCONJ
framr-4076	732	12	customer	customer	NOUN
framr-4076	732	13	awareness	awareness	NOUN
framr-4076	732	14	and	and	CCONJ
framr-4076	732	15	charges	charge	NOUN
framr-4076	732	16	of	of	ADP
framr-4076	732	17	greenwashing	greenwashing	NOUN
framr-4076	732	18	might	might	AUX
framr-4076	732	19	hurt	hurt	VERB
framr-4076	732	20	a	a	DET
framr-4076	732	21	brand	brand	NOUN
framr-4076	732	22	by	by	ADP
framr-4076	732	23	adversely	adversely	ADV
framr-4076	732	24	influencing	influence	VERB
framr-4076	732	25	consumers	consumer	NOUN
framr-4076	732	26	'	'	PART
framr-4076	732	27	plans	plan	NOUN
framr-4076	732	28	to	to	PART
framr-4076	732	29	make	make	VERB
framr-4076	732	30	purchases	purchase	NOUN
framr-4076	732	31	.	.	PUNCT
framr-4076	733	1	the	the	DET
framr-4076	733	2	results	result	NOUN
framr-4076	733	3	of	of	ADP
framr-4076	733	4	this	this	DET
framr-4076	733	5	study	study	NOUN
framr-4076	733	6	should	should	AUX
framr-4076	733	7	be	be	AUX
framr-4076	733	8	used	use	VERB
framr-4076	733	9	by	by	ADP
framr-4076	733	10	environmental	environmental	ADJ
framr-4076	733	11	advocacy	advocacy	NOUN
framr-4076	733	12	organisations	organisation	NOUN
framr-4076	733	13	and	and	CCONJ
framr-4076	733	14	industry	industry	NOUN
framr-4076	733	15	professionals	professional	NOUN
framr-4076	733	16	to	to	PART
framr-4076	733	17	guide	guide	VERB
framr-4076	733	18	the	the	DET
framr-4076	733	19	development	development	NOUN
framr-4076	733	20	of	of	ADP
framr-4076	733	21	marketing	marketing	NOUN
framr-4076	733	22	,	,	PUNCT
framr-4076	733	23	public	public	ADJ
framr-4076	733	24	relations	relation	NOUN
framr-4076	733	25	,	,	PUNCT
framr-4076	733	26	and	and	CCONJ
framr-4076	733	27	advertising	advertising	NOUN
framr-4076	733	28	campaigns	campaign	NOUN
framr-4076	733	29	aimed	aim	VERB
framr-4076	733	30	at	at	ADP
framr-4076	733	31	countering	counter	VERB
framr-4076	733	32	greenwashing	greenwashing	NOUN
framr-4076	733	33	.	.	PUNCT
framr-4076	734	1	to	to	PART
framr-4076	734	2	identify	identify	VERB
framr-4076	734	3	the	the	DET
framr-4076	734	4	possible	possible	ADJ
framr-4076	734	5	dangers	danger	NOUN
framr-4076	734	6	of	of	ADP
framr-4076	734	7	eco	eco	NOUN
framr-4076	734	8	-	-	PUNCT
framr-4076	734	9	opportunistic	opportunistic	ADJ
framr-4076	734	10	conduct	conduct	NOUN
framr-4076	734	11	,	,	PUNCT
framr-4076	734	12	economic	economic	ADJ
framr-4076	734	13	actors	actor	NOUN
framr-4076	734	14	have	have	AUX
framr-4076	734	15	tightened	tighten	VERB
framr-4076	734	16	their	their	PRON
framr-4076	734	17	oversight	oversight	NOUN
framr-4076	734	18	and	and	CCONJ
framr-4076	734	19	management	management	NOUN
framr-4076	734	20	of	of	ADP
framr-4076	734	21	their	their	PRON
framr-4076	734	22	whole	whole	ADJ
framr-4076	734	23	supply	supply	NOUN
framr-4076	734	24	chains	chain	NOUN
framr-4076	734	25	.	.	PUNCT
framr-4076	735	1	some	some	DET
framr-4076	735	2	businesses	business	NOUN
framr-4076	735	3	outsource	outsource	VERB
framr-4076	735	4	unsustainable	unsustainable	ADJ
framr-4076	735	5	portions	portion	NOUN
framr-4076	735	6	of	of	ADP
framr-4076	735	7	their	their	PRON
framr-4076	735	8	supply	supply	NOUN
framr-4076	735	9	chains	chain	NOUN
framr-4076	735	10	to	to	ADP
framr-4076	735	11	grey	grey	VERB
framr-4076	735	12	or	or	CCONJ
framr-4076	735	13	even	even	ADV
framr-4076	735	14	illegal	illegal	ADJ
framr-4076	735	15	marketplaces	marketplace	NOUN
framr-4076	735	16	,	,	PUNCT
framr-4076	735	17	where	where	SCONJ
framr-4076	735	18	it	it	PRON
framr-4076	735	19	is	be	AUX
framr-4076	735	20	difficult	difficult	ADJ
framr-4076	735	21	and	and	CCONJ
framr-4076	735	22	costly	costly	ADJ
framr-4076	735	23	to	to	PART
framr-4076	735	24	control	control	VERB
framr-4076	735	25	(	(	PUNCT
framr-4076	735	26	ndubisi	ndubisi	PROPN
framr-4076	735	27	,	,	PUNCT
framr-4076	735	28	nygaard	nygaard	NOUN
framr-4076	735	29	,	,	PUNCT
framr-4076	735	30	&	&	CCONJ
framr-4076	735	31	chunwe	chunwe	PROPN
framr-4076	735	32	,	,	PUNCT
framr-4076	735	33	2020	2020	NUM
framr-4076	735	34	)	)	PUNCT
framr-4076	735	35	.	.	PUNCT
framr-4076	736	1	establishing	establish	VERB
framr-4076	736	2	a	a	DET
framr-4076	736	3	sustainable	sustainable	ADJ
framr-4076	736	4	corporate	corporate	ADJ
framr-4076	736	5	environment	environment	NOUN
framr-4076	736	6	that	that	PRON
framr-4076	736	7	guarantees	guarantee	VERB
framr-4076	736	8	future	future	ADJ
framr-4076	736	9	adaptation	adaptation	NOUN
framr-4076	736	10	requires	require	VERB
framr-4076	736	11	the	the	DET
framr-4076	736	12	use	use	NOUN
framr-4076	736	13	of	of	ADP
framr-4076	736	14	an	an	DET
framr-4076	736	15	esg	esg	NOUN
framr-4076	736	16	reporting	reporting	NOUN
framr-4076	736	17	framework	framework	NOUN
framr-4076	736	18	.	.	PUNCT
framr-4076	737	1	the	the	DET
framr-4076	737	2	increasing	increase	VERB
framr-4076	737	3	need	need	NOUN
framr-4076	737	4	for	for	ADP
framr-4076	737	5	goods	good	NOUN
framr-4076	737	6	and	and	CCONJ
framr-4076	737	7	reliable	reliable	ADJ
framr-4076	737	8	services	service	NOUN
framr-4076	737	9	might	might	AUX
framr-4076	737	10	also	also	ADV
framr-4076	737	11	confound	confound	VERB
framr-4076	737	12	the	the	DET
framr-4076	737	13	growing	grow	VERB
framr-4076	737	14	tendency	tendency	NOUN
framr-4076	737	15	of	of	ADP
framr-4076	737	16	"	"	PUNCT
framr-4076	737	17	greenwashing	greenwashing	NOUN
framr-4076	737	18	,	,	PUNCT
framr-4076	737	19	"	"	PUNCT
framr-4076	737	20	which	which	PRON
framr-4076	737	21	is	be	AUX
framr-4076	737	22	the	the	DET
framr-4076	737	23	use	use	NOUN
framr-4076	737	24	of	of	ADP
framr-4076	737	25	marketing	marketing	NOUN
framr-4076	737	26	techniques	technique	NOUN
framr-4076	737	27	and	and	CCONJ
framr-4076	737	28	narratives	narrative	NOUN
framr-4076	737	29	to	to	PART
framr-4076	737	30	portray	portray	VERB
framr-4076	737	31	a	a	DET
framr-4076	737	32	firm	firm	NOUN
framr-4076	737	33	,	,	PUNCT
framr-4076	737	34	its	its	PRON
framr-4076	737	35	goods	good	NOUN
framr-4076	737	36	or	or	CCONJ
framr-4076	737	37	services	service	NOUN
framr-4076	737	38	,	,	PUNCT
framr-4076	737	39	initiatives	initiative	NOUN
framr-4076	737	40	,	,	PUNCT
framr-4076	737	41	or	or	CCONJ
framr-4076	737	42	brand	brand	NOUN
framr-4076	737	43	as	as	ADP
framr-4076	737	44	environmentally	environmentally	ADV
framr-4076	737	45	friendly	friendly	ADJ
framr-4076	737	46	when	when	SCONJ
framr-4076	737	47	they	they	PRON
framr-4076	737	48	are	be	AUX
framr-4076	737	49	n't	not	PART
framr-4076	737	50	.	.	PUNCT
framr-4076	738	1	as	as	ADV
framr-4076	738	2	more	more	ADJ
framr-4076	738	3	and	and	CCONJ
framr-4076	738	4	more	more	ADJ
framr-4076	738	5	people	people	NOUN
framr-4076	738	6	—	—	PUNCT
framr-4076	738	7	from	from	ADP
framr-4076	738	8	investors	investor	NOUN
framr-4076	738	9	to	to	ADP
framr-4076	738	10	employees	employee	NOUN
framr-4076	738	11	to	to	ADP
framr-4076	738	12	visitors	visitor	NOUN
framr-4076	738	13	—	—	PUNCT
framr-4076	738	14	realise	realise	VERB
framr-4076	738	15	the	the	DET
framr-4076	738	16	importance	importance	NOUN
framr-4076	738	17	of	of	ADP
framr-4076	738	18	sustainability	sustainability	NOUN
framr-4076	738	19	and	and	CCONJ
framr-4076	738	20	the	the	DET
framr-4076	738	21	influence	influence	NOUN
framr-4076	738	22	that	that	PRON
framr-4076	738	23	global	global	ADJ
framr-4076	738	24	business	business	NOUN
framr-4076	738	25	has	have	VERB
framr-4076	738	26	on	on	ADP
framr-4076	738	27	sustainability	sustainability	NOUN
framr-4076	738	28	and	and	CCONJ
framr-4076	738	29	commercial	commercial	ADJ
framr-4076	738	30	governance	governance	NOUN
framr-4076	738	31	,	,	PUNCT
framr-4076	738	32	anybody	anybody	PRON
framr-4076	738	33	who	who	PRON
framr-4076	738	34	utilises	utilise	VERB
framr-4076	738	35	esg	esg	NOUN
framr-4076	738	36	or	or	CCONJ
framr-4076	738	37	sustainability	sustainability	NOUN
framr-4076	738	38	as	as	ADP
framr-4076	738	39	a	a	DET
framr-4076	738	40	mere	mere	ADJ
framr-4076	738	41	marketing	marketing	NOUN
framr-4076	738	42	technique	technique	NOUN
framr-4076	738	43	is	be	AUX
framr-4076	738	44	in	in	ADP
framr-4076	738	45	danger	danger	NOUN
framr-4076	738	46	(	(	PUNCT
framr-4076	738	47	sarda	sarda	X
framr-4076	738	48	,	,	PUNCT
framr-4076	738	49	2024	2024	NUM
framr-4076	738	50	)	)	PUNCT
framr-4076	738	51	.	.	PUNCT
framr-4076	739	1	to	to	PART
framr-4076	739	2	counteract	counteract	VERB
framr-4076	739	3	greenwashing	greenwashing	NOUN
framr-4076	739	4	,	,	PUNCT
framr-4076	739	5	stakeholders	stakeholder	NOUN
framr-4076	739	6	—	—	PUNCT
framr-4076	739	7	including	include	VERB
framr-4076	739	8	corporations	corporation	NOUN
framr-4076	739	9	,	,	PUNCT
framr-4076	739	10	non	non	ADJ
framr-4076	739	11	-	-	ADJ
framr-4076	739	12	governmental	governmental	ADJ
framr-4076	739	13	organisations	organisation	NOUN
framr-4076	739	14	,	,	PUNCT
framr-4076	739	15	and	and	CCONJ
framr-4076	739	16	governmental	governmental	ADJ
framr-4076	739	17	bodies	body	NOUN
framr-4076	739	18	—	—	PUNCT
framr-4076	739	19	must	must	AUX
framr-4076	739	20	collaborate	collaborate	VERB
framr-4076	739	21	to	to	PART
framr-4076	739	22	develop	develop	VERB
framr-4076	739	23	industry	industry	NOUN
framr-4076	739	24	standards	standard	NOUN
framr-4076	739	25	,	,	PUNCT
framr-4076	739	26	exchange	exchange	VERB
framr-4076	739	27	best	good	ADJ
framr-4076	739	28	practices	practice	NOUN
framr-4076	739	29	,	,	PUNCT
framr-4076	739	30	and	and	CCONJ
framr-4076	739	31	hold	hold	VERB
framr-4076	739	32	enterprises	enterprise	NOUN
framr-4076	739	33	responsible	responsible	ADJ
framr-4076	739	34	for	for	ADP
framr-4076	739	35	their	their	PRON
framr-4076	739	36	claims	claim	NOUN
framr-4076	739	37	.	.	PUNCT
framr-4076	740	1	long	long	ADJ
framr-4076	740	2	-	-	PUNCT
framr-4076	740	3	term	term	NOUN
framr-4076	740	4	,	,	PUNCT
framr-4076	740	5	systemic	systemic	ADJ
framr-4076	740	6	changes	change	NOUN
framr-4076	740	7	are	be	AUX
framr-4076	740	8	necessary	necessary	ADJ
framr-4076	740	9	for	for	ADP
framr-4076	740	10	corporate	corporate	ADJ
framr-4076	740	11	commitment	commitment	NOUN
framr-4076	740	12	to	to	ADP
framr-4076	740	13	sustainability	sustainability	NOUN
framr-4076	740	14	,	,	PUNCT
framr-4076	740	15	and	and	CCONJ
framr-4076	740	16	sustainable	sustainable	ADJ
framr-4076	740	17	practices	practice	NOUN
framr-4076	740	18	must	must	AUX
framr-4076	740	19	be	be	AUX
framr-4076	740	20	prioritised	prioritise	VERB
framr-4076	740	21	in	in	ADP
framr-4076	740	22	key	key	ADJ
framr-4076	740	23	business	business	NOUN
framr-4076	740	24	initiatives	initiative	NOUN
framr-4076	740	25	.	.	PUNCT
framr-4076	741	1	this	this	DET
framr-4076	741	2	change	change	NOUN
framr-4076	741	3	improves	improve	VERB
framr-4076	741	4	competitiveness	competitiveness	NOUN
framr-4076	741	5	,	,	PUNCT
framr-4076	741	6	strengthens	strengthen	VERB
framr-4076	741	7	organisational	organisational	ADJ
framr-4076	741	8	resilience	resilience	NOUN
framr-4076	741	9	,	,	PUNCT
framr-4076	741	10	and	and	CCONJ
framr-4076	741	11	helps	help	VERB
framr-4076	741	12	the	the	DET
framr-4076	741	13	environment	environment	NOUN
framr-4076	741	14	.	.	PUNCT
framr-4076	742	1	in	in	ADP
framr-4076	742	2	summary	summary	NOUN
framr-4076	742	3	,	,	PUNCT
framr-4076	742	4	resolving	resolve	VERB
framr-4076	742	5	the	the	DET
framr-4076	742	6	conflict	conflict	NOUN
framr-4076	742	7	around	around	ADP
framr-4076	742	8	corporate	corporate	ADJ
framr-4076	742	9	greenwashing	greenwashing	NOUN
framr-4076	742	10	necessitates	necessitate	VERB
framr-4076	742	11	a	a	DET
framr-4076	742	12	thorough	thorough	ADJ
framr-4076	742	13	strategy	strategy	NOUN
framr-4076	742	14	including	include	VERB
framr-4076	742	15	industry	industry	NOUN
framr-4076	742	16	cooperation	cooperation	NOUN
framr-4076	742	17	,	,	PUNCT
framr-4076	742	18	consumer	consumer	NOUN
framr-4076	742	19	education	education	NOUN
framr-4076	742	20	,	,	PUNCT
framr-4076	742	21	and	and	CCONJ
framr-4076	742	22	regulatory	regulatory	ADJ
framr-4076	742	23	intervention	intervention	NOUN
framr-4076	742	24	.	.	PUNCT
framr-4076	743	1	businesses	business	NOUN
framr-4076	743	2	need	need	VERB
framr-4076	743	3	to	to	PART
framr-4076	743	4	understand	understand	VERB
framr-4076	743	5	that	that	SCONJ
framr-4076	743	6	genuine	genuine	ADJ
framr-4076	743	7	sustainability	sustainability	NOUN
framr-4076	743	8	is	be	AUX
framr-4076	743	9	a	a	DET
framr-4076	743	10	basic	basic	ADJ
framr-4076	743	11	duty	duty	NOUN
framr-4076	743	12	in	in	ADP
framr-4076	743	13	the	the	DET
framr-4076	743	14	quest	quest	NOUN
framr-4076	743	15	of	of	ADP
framr-4076	743	16	a	a	DET
framr-4076	743	17	positive	positive	ADJ
framr-4076	743	18	interaction	interaction	NOUN
framr-4076	743	19	between	between	ADP
framr-4076	743	20	industry	industry	NOUN
framr-4076	743	21	,	,	PUNCT
framr-4076	743	22	society	society	NOUN
framr-4076	743	23	,	,	PUNCT
framr-4076	743	24	and	and	CCONJ
framr-4076	743	25	the	the	DET
framr-4076	743	26	environment	environment	NOUN
framr-4076	743	27	,	,	PUNCT
framr-4076	743	28	not	not	PART
framr-4076	743	29	merely	merely	ADV
framr-4076	743	30	a	a	DET
framr-4076	743	31	desirable	desirable	ADJ
framr-4076	743	32	quality	quality	NOUN
framr-4076	743	33	(	(	PUNCT
framr-4076	743	34	maamir	maamir	NOUN
framr-4076	743	35	,	,	PUNCT
framr-4076	743	36	2024	2024	NUM
framr-4076	743	37	)	)	PUNCT
framr-4076	743	38	.	.	PUNCT
framr-4076	744	1	beyond	beyond	ADP
framr-4076	744	2	the	the	DET
framr-4076	744	3	surface	surface	NOUN
framr-4076	744	4	-	-	PUNCT
framr-4076	744	5	level	level	NOUN
framr-4076	744	6	appeal	appeal	NOUN
framr-4076	744	7	of	of	ADP
framr-4076	744	8	greenwashing	greenwashing	NOUN
framr-4076	744	9	,	,	PUNCT
framr-4076	744	10	sustainable	sustainable	ADJ
framr-4076	744	11	development	development	NOUN
framr-4076	744	12	can	can	AUX
framr-4076	744	13	only	only	ADV
framr-4076	744	14	be	be	AUX
framr-4076	744	15	promoted	promote	VERB
framr-4076	744	16	by	by	ADP
framr-4076	744	17	sincere	sincere	ADJ
framr-4076	744	18	dedication	dedication	NOUN
framr-4076	744	19	and	and	CCONJ
framr-4076	744	20	coordinated	coordinated	ADJ
framr-4076	744	21	efforts	effort	NOUN
framr-4076	744	22	.	.	PUNCT
framr-4076	745	1	one	one	NUM
framr-4076	745	2	major	major	ADJ
framr-4076	745	3	problem	problem	NOUN
framr-4076	745	4	that	that	PRON
framr-4076	745	5	has	have	VERB
framr-4076	745	6	an	an	DET
framr-4076	745	7	impact	impact	NOUN
framr-4076	745	8	on	on	ADP
framr-4076	745	9	social	social	ADJ
framr-4076	745	10	,	,	PUNCT
framr-4076	745	11	economic	economic	ADJ
framr-4076	745	12	,	,	PUNCT
framr-4076	745	13	and	and	CCONJ
framr-4076	745	14	environmental	environmental	ADJ
framr-4076	745	15	growth	growth	NOUN
framr-4076	745	16	is	be	AUX
framr-4076	745	17	corporate	corporate	ADJ
framr-4076	745	18	greenwashing	greenwashing	NOUN
framr-4076	745	19	.	.	PUNCT
framr-4076	746	1	it	it	PRON
framr-4076	746	2	entails	entail	VERB
framr-4076	746	3	businesses	business	NOUN
framr-4076	746	4	fabricating	fabricate	VERB
framr-4076	746	5	a	a	DET
framr-4076	746	6	false	false	ADJ
framr-4076	746	7	sense	sense	NOUN
framr-4076	746	8	of	of	ADP
framr-4076	746	9	environmental	environmental	ADJ
framr-4076	746	10	accountability	accountability	NOUN
framr-4076	746	11	,	,	PUNCT
framr-4076	746	12	which	which	PRON
framr-4076	746	13	raises	raise	VERB
framr-4076	746	14	social	social	ADJ
framr-4076	746	15	and	and	CCONJ
framr-4076	746	16	environmental	environmental	ADJ
framr-4076	746	17	dangers	danger	NOUN
framr-4076	746	18	.	.	PUNCT
framr-4076	747	1	to	to	PART
framr-4076	747	2	tackle	tackle	VERB
framr-4076	747	3	this	this	DET
framr-4076	747	4	issue	issue	NOUN
framr-4076	747	5	,	,	PUNCT
framr-4076	747	6	regulatory	regulatory	ADJ
framr-4076	747	7	solutions	solution	NOUN
framr-4076	747	8	,	,	PUNCT
framr-4076	747	9	accountability	accountability	NOUN
framr-4076	747	10	systems	system	NOUN
framr-4076	747	11	,	,	PUNCT
framr-4076	747	12	and	and	CCONJ
framr-4076	747	13	consumer	consumer	NOUN
framr-4076	747	14	education	education	NOUN
framr-4076	747	15	are	be	AUX
framr-4076	747	16	essential	essential	ADJ
framr-4076	747	17	.	.	PUNCT
framr-4076	748	1	cooperation	cooperation	NOUN
framr-4076	748	2	is	be	AUX
framr-4076	748	3	crucial	crucial	ADJ
framr-4076	748	4	between	between	ADP
framr-4076	748	5	companies	company	NOUN
framr-4076	748	6	,	,	PUNCT
framr-4076	748	7	customers	customer	NOUN
framr-4076	748	8	,	,	PUNCT
framr-4076	748	9	and	and	CCONJ
framr-4076	748	10	authorities	authority	NOUN
framr-4076	748	11	(	(	PUNCT
framr-4076	748	12	maamir	maamir	NOUN
framr-4076	748	13	,	,	PUNCT
framr-4076	748	14	2024	2024	NUM
framr-4076	748	15	)	)	PUNCT
framr-4076	748	16	.	.	PUNCT
framr-4076	749	1	financial	financial	ADJ
framr-4076	749	2	risk	risk	NOUN
framr-4076	749	3	and	and	CCONJ
framr-4076	749	4	management	management	NOUN
framr-4076	749	5	reviews	review	NOUN
framr-4076	749	6	,	,	PUNCT
framr-4076	749	7	2025	2025	NUM
framr-4076	749	8	,	,	PUNCT
framr-4076	749	9	11(1	11(1	NUM
framr-4076	749	10	):	):	PUNCT
framr-4076	749	11	37	37	NUM
framr-4076	749	12	-	-	SYM
framr-4076	749	13	71	71	NUM
framr-4076	749	14	64	64	NUM
framr-4076	749	15	©	©	PROPN
framr-4076	749	16	2025	2025	NUM
framr-4076	749	17	conscientia	conscientia	PROPN
framr-4076	749	18	beam	beam	PROPN
framr-4076	749	19	.	.	PUNCT
framr-4076	750	1	all	all	DET
framr-4076	750	2	rights	right	NOUN
framr-4076	750	3	reserved	reserve	VERB
framr-4076	750	4	.	.	PUNCT
framr-4076	751	1	7	7	X
framr-4076	751	2	.	.	X
framr-4076	751	3	conclusion	conclusion	NOUN
framr-4076	751	4	7.1	7.1	NUM
framr-4076	751	5	.	.	PUNCT
framr-4076	752	1	summary	summary	NOUN
framr-4076	752	2	of	of	ADP
framr-4076	752	3	key	key	ADJ
framr-4076	752	4	findings	finding	NOUN
framr-4076	752	5	the	the	DET
framr-4076	752	6	study	study	NOUN
framr-4076	752	7	is	be	AUX
framr-4076	752	8	conducted	conduct	VERB
framr-4076	752	9	to	to	PART
framr-4076	752	10	provide	provide	VERB
framr-4076	752	11	theoretical	theoretical	ADJ
framr-4076	752	12	perspectives	perspective	NOUN
framr-4076	752	13	and	and	CCONJ
framr-4076	752	14	conceptual	conceptual	ADJ
framr-4076	752	15	frameworks	framework	NOUN
framr-4076	752	16	related	relate	VERB
framr-4076	752	17	to	to	ADP
framr-4076	752	18	greenwashing	greenwashe	VERB
framr-4076	752	19	in	in	ADP
framr-4076	752	20	the	the	DET
framr-4076	752	21	context	context	NOUN
framr-4076	752	22	of	of	ADP
framr-4076	752	23	sustainable	sustainable	ADJ
framr-4076	752	24	development	development	NOUN
framr-4076	752	25	and	and	CCONJ
framr-4076	752	26	fintech	fintech	NOUN
framr-4076	752	27	.	.	PUNCT
framr-4076	753	1	its	its	PRON
framr-4076	753	2	analysis	analysis	NOUN
framr-4076	753	3	of	of	ADP
framr-4076	753	4	fintech	fintech	NOUN
framr-4076	753	5	's	's	PART
framr-4076	753	6	core	core	NOUN
framr-4076	753	7	areas	area	NOUN
framr-4076	753	8	includes	include	VERB
framr-4076	753	9	a	a	DET
framr-4076	753	10	number	number	NOUN
framr-4076	753	11	of	of	ADP
framr-4076	753	12	these	these	DET
framr-4076	753	13	areas	area	NOUN
framr-4076	753	14	,	,	PUNCT
framr-4076	753	15	each	each	PRON
framr-4076	753	16	of	of	ADP
framr-4076	753	17	which	which	PRON
framr-4076	753	18	adds	add	VERB
framr-4076	753	19	something	something	PRON
framr-4076	753	20	special	special	ADJ
framr-4076	753	21	to	to	ADP
framr-4076	753	22	the	the	DET
framr-4076	753	23	field	field	NOUN
framr-4076	753	24	of	of	ADP
framr-4076	753	25	financial	financial	ADJ
framr-4076	753	26	services	service	NOUN
framr-4076	753	27	.	.	PUNCT
framr-4076	754	1	blockchain	blockchain	PROPN
framr-4076	754	2	,	,	PUNCT
framr-4076	754	3	crowdsourcing	crowdsourcing	PROPN
framr-4076	754	4	,	,	PUNCT
framr-4076	754	5	digital	digital	ADJ
framr-4076	754	6	banking	banking	NOUN
framr-4076	754	7	,	,	PUNCT
framr-4076	754	8	peer	peer	NOUN
framr-4076	754	9	-	-	PUNCT
framr-4076	754	10	to	to	ADP
framr-4076	754	11	-	-	PUNCT
framr-4076	754	12	peer	peer	NOUN
framr-4076	754	13	lending	lending	NOUN
framr-4076	754	14	,	,	PUNCT
framr-4076	754	15	mobile	mobile	ADJ
framr-4076	754	16	banking	banking	NOUN
framr-4076	754	17	,	,	PUNCT
framr-4076	754	18	payments	payment	NOUN
framr-4076	754	19	,	,	PUNCT
framr-4076	754	20	insuretech	insuretech	NOUN
framr-4076	754	21	,	,	PUNCT
framr-4076	754	22	and	and	CCONJ
framr-4076	754	23	robot	robot	NOUN
framr-4076	754	24	advisors	advisor	NOUN
framr-4076	754	25	are	be	AUX
framr-4076	754	26	some	some	PRON
framr-4076	754	27	of	of	ADP
framr-4076	754	28	these	these	DET
framr-4076	754	29	fields	field	NOUN
framr-4076	754	30	.	.	PUNCT
framr-4076	755	1	the	the	DET
framr-4076	755	2	findings	finding	NOUN
framr-4076	755	3	show	show	VERB
framr-4076	755	4	that	that	SCONJ
framr-4076	755	5	since	since	SCONJ
framr-4076	755	6	fintech	fintech	NOUN
framr-4076	755	7	focuses	focus	VERB
framr-4076	755	8	on	on	ADP
framr-4076	755	9	how	how	SCONJ
framr-4076	755	10	technology	technology	NOUN
framr-4076	755	11	can	can	AUX
framr-4076	755	12	be	be	AUX
framr-4076	755	13	used	use	VERB
framr-4076	755	14	to	to	PART
framr-4076	755	15	develop	develop	VERB
framr-4076	755	16	new	new	ADJ
framr-4076	755	17	solutions	solution	NOUN
framr-4076	755	18	to	to	ADP
framr-4076	755	19	economic	economic	ADJ
framr-4076	755	20	challenges	challenge	NOUN
framr-4076	755	21	,	,	PUNCT
framr-4076	755	22	it	it	PRON
framr-4076	755	23	has	have	AUX
framr-4076	755	24	played	play	VERB
framr-4076	755	25	a	a	DET
framr-4076	755	26	significant	significant	ADJ
framr-4076	755	27	role	role	NOUN
framr-4076	755	28	in	in	ADP
framr-4076	755	29	implementing	implement	VERB
framr-4076	755	30	the	the	DET
framr-4076	755	31	sustainable	sustainable	ADJ
framr-4076	755	32	development	development	NOUN
framr-4076	755	33	goals	goal	NOUN
framr-4076	755	34	.	.	PUNCT
framr-4076	756	1	fintech	fintech	NOUN
framr-4076	756	2	also	also	ADV
framr-4076	756	3	promotes	promote	VERB
framr-4076	756	4	environmental	environmental	ADJ
framr-4076	756	5	conservation	conservation	NOUN
framr-4076	756	6	and	and	CCONJ
framr-4076	756	7	growth	growth	NOUN
framr-4076	756	8	as	as	ADV
framr-4076	756	9	well	well	ADV
framr-4076	756	10	as	as	ADP
framr-4076	756	11	financial	financial	ADJ
framr-4076	756	12	inclusion	inclusion	NOUN
framr-4076	756	13	.	.	PUNCT
framr-4076	757	1	fintech	fintech	NOUN
framr-4076	757	2	contributes	contribute	VERB
framr-4076	757	3	to	to	ADP
framr-4076	757	4	achieving	achieve	VERB
framr-4076	757	5	the	the	DET
framr-4076	757	6	sdgs	sdgs	NOUN
framr-4076	757	7	in	in	ADP
framr-4076	757	8	several	several	ADJ
framr-4076	757	9	domains	domain	NOUN
framr-4076	757	10	,	,	PUNCT
framr-4076	757	11	including	include	VERB
framr-4076	757	12	money	money	NOUN
framr-4076	757	13	,	,	PUNCT
framr-4076	757	14	the	the	DET
framr-4076	757	15	economy	economy	NOUN
framr-4076	757	16	,	,	PUNCT
framr-4076	757	17	and	and	CCONJ
framr-4076	757	18	climate	climate	NOUN
framr-4076	757	19	change	change	NOUN
framr-4076	757	20	.	.	PUNCT
framr-4076	758	1	fintech	fintech	NOUN
framr-4076	758	2	companies	company	NOUN
framr-4076	758	3	can	can	AUX
framr-4076	758	4	reach	reach	VERB
framr-4076	758	5	customers	customer	NOUN
framr-4076	758	6	in	in	ADP
framr-4076	758	7	places	place	NOUN
framr-4076	758	8	where	where	SCONJ
framr-4076	758	9	conventional	conventional	ADJ
framr-4076	758	10	financial	financial	ADJ
framr-4076	758	11	institutions	institution	NOUN
framr-4076	758	12	are	be	AUX
framr-4076	758	13	unable	unable	ADJ
framr-4076	758	14	to	to	PART
framr-4076	758	15	,	,	PUNCT
framr-4076	758	16	including	include	VERB
framr-4076	758	17	rural	rural	ADJ
framr-4076	758	18	areas	area	NOUN
framr-4076	758	19	,	,	PUNCT
framr-4076	758	20	thanks	thank	NOUN
framr-4076	758	21	to	to	ADP
framr-4076	758	22	the	the	DET
framr-4076	758	23	use	use	NOUN
framr-4076	758	24	of	of	ADP
framr-4076	758	25	technology	technology	NOUN
framr-4076	758	26	.	.	PUNCT
framr-4076	759	1	fintech	fintech	NOUN
framr-4076	759	2	innovations	innovation	NOUN
framr-4076	759	3	such	such	ADJ
framr-4076	759	4	as	as	ADP
framr-4076	759	5	digital	digital	ADJ
framr-4076	759	6	wallets	wallet	NOUN
framr-4076	759	7	,	,	PUNCT
framr-4076	759	8	microfinance	microfinance	NOUN
framr-4076	759	9	,	,	PUNCT
framr-4076	759	10	and	and	CCONJ
framr-4076	759	11	mobile	mobile	NOUN
framr-4076	759	12	banking	banking	NOUN
framr-4076	759	13	have	have	AUX
framr-4076	759	14	made	make	VERB
framr-4076	759	15	financial	financial	ADJ
framr-4076	759	16	services	service	NOUN
framr-4076	759	17	accessible	accessible	ADJ
framr-4076	759	18	to	to	ADP
framr-4076	759	19	millions	million	NOUN
framr-4076	759	20	of	of	ADP
framr-4076	759	21	people	people	NOUN
framr-4076	759	22	throughout	throughout	ADP
framr-4076	759	23	the	the	DET
framr-4076	759	24	globe	globe	NOUN
framr-4076	759	25	.	.	PUNCT
framr-4076	760	1	as	as	ADP
framr-4076	760	2	a	a	DET
framr-4076	760	3	result	result	NOUN
framr-4076	760	4	,	,	PUNCT
framr-4076	760	5	the	the	DET
framr-4076	760	6	region	region	NOUN
framr-4076	760	7	's	's	PART
framr-4076	760	8	economic	economic	ADJ
framr-4076	760	9	stability	stability	NOUN
framr-4076	760	10	and	and	CCONJ
framr-4076	760	11	poverty	poverty	NOUN
framr-4076	760	12	rates	rate	NOUN
framr-4076	760	13	have	have	AUX
framr-4076	760	14	decreased	decrease	VERB
framr-4076	760	15	,	,	PUNCT
framr-4076	760	16	raising	raise	VERB
framr-4076	760	17	people	people	NOUN
framr-4076	760	18	's	's	PART
framr-4076	760	19	standards	standard	NOUN
framr-4076	760	20	of	of	ADP
framr-4076	760	21	living	living	NOUN
framr-4076	760	22	.	.	PUNCT
framr-4076	761	1	fintech	fintech	NOUN
framr-4076	761	2	can	can	AUX
framr-4076	761	3	also	also	ADV
framr-4076	761	4	facilitate	facilitate	VERB
framr-4076	761	5	the	the	DET
framr-4076	761	6	transition	transition	NOUN
framr-4076	761	7	to	to	ADP
framr-4076	761	8	a	a	DET
framr-4076	761	9	low	low	ADJ
framr-4076	761	10	-	-	PUNCT
framr-4076	761	11	carbon	carbon	NOUN
framr-4076	761	12	economy	economy	NOUN
framr-4076	761	13	by	by	ADP
framr-4076	761	14	helping	help	VERB
framr-4076	761	15	to	to	PART
framr-4076	761	16	fund	fund	VERB
framr-4076	761	17	adaptation	adaptation	NOUN
framr-4076	761	18	and	and	CCONJ
framr-4076	761	19	mitigation	mitigation	NOUN
framr-4076	761	20	strategies	strategy	NOUN
framr-4076	761	21	for	for	ADP
framr-4076	761	22	climate	climate	NOUN
framr-4076	761	23	change	change	NOUN
framr-4076	761	24	.	.	PUNCT
framr-4076	762	1	fintech	fintech	NOUN
framr-4076	762	2	technologies	technology	NOUN
framr-4076	762	3	allow	allow	VERB
framr-4076	762	4	organisations	organisation	NOUN
framr-4076	762	5	to	to	PART
framr-4076	762	6	access	access	VERB
framr-4076	762	7	financing	financing	NOUN
framr-4076	762	8	for	for	ADP
framr-4076	762	9	sustainable	sustainable	ADJ
framr-4076	762	10	development	development	NOUN
framr-4076	762	11	via	via	ADP
framr-4076	762	12	the	the	DET
framr-4076	762	13	use	use	NOUN
framr-4076	762	14	of	of	ADP
framr-4076	762	15	green	green	ADJ
framr-4076	762	16	bonds	bond	NOUN
framr-4076	762	17	,	,	PUNCT
framr-4076	762	18	carbon	carbon	NOUN
framr-4076	762	19	trading	trading	NOUN
framr-4076	762	20	,	,	PUNCT
framr-4076	762	21	and	and	CCONJ
framr-4076	762	22	crowdfunding	crowdfunde	VERB
framr-4076	762	23	for	for	ADP
framr-4076	762	24	renewable	renewable	ADJ
framr-4076	762	25	energy	energy	NOUN
framr-4076	762	26	projects	project	NOUN
framr-4076	762	27	.	.	PUNCT
framr-4076	763	1	fintech	fintech	NOUN
framr-4076	763	2	helps	help	VERB
framr-4076	763	3	to	to	PART
framr-4076	763	4	build	build	VERB
framr-4076	763	5	sustainable	sustainable	ADJ
framr-4076	763	6	and	and	CCONJ
framr-4076	763	7	effective	effective	ADJ
framr-4076	763	8	economic	economic	ADJ
framr-4076	763	9	structures	structure	NOUN
framr-4076	763	10	by	by	ADP
framr-4076	763	11	actively	actively	ADV
framr-4076	763	12	supporting	support	VERB
framr-4076	763	13	the	the	DET
framr-4076	763	14	opening	opening	NOUN
framr-4076	763	15	of	of	ADP
framr-4076	763	16	financial	financial	ADJ
framr-4076	763	17	markets	market	NOUN
framr-4076	763	18	,	,	PUNCT
framr-4076	763	19	engaging	engage	VERB
framr-4076	763	20	in	in	ADP
framr-4076	763	21	non	non	ADJ
framr-4076	763	22	-	-	ADJ
framr-4076	763	23	traditional	traditional	ADJ
framr-4076	763	24	financial	financial	ADJ
framr-4076	763	25	innovation	innovation	NOUN
framr-4076	763	26	,	,	PUNCT
framr-4076	763	27	and	and	CCONJ
framr-4076	763	28	promoting	promote	VERB
framr-4076	763	29	it	it	PRON
framr-4076	763	30	.	.	PUNCT
framr-4076	764	1	fintech	fintech	NOUN
framr-4076	764	2	has	have	VERB
framr-4076	764	3	the	the	DET
framr-4076	764	4	potential	potential	NOUN
framr-4076	764	5	to	to	PART
framr-4076	764	6	contribute	contribute	VERB
framr-4076	764	7	to	to	ADP
framr-4076	764	8	the	the	DET
framr-4076	764	9	development	development	NOUN
framr-4076	764	10	of	of	ADP
framr-4076	764	11	sustainable	sustainable	ADJ
framr-4076	764	12	enterprises	enterprise	NOUN
framr-4076	764	13	and	and	CCONJ
framr-4076	764	14	solid	solid	ADJ
framr-4076	764	15	physical	physical	ADJ
framr-4076	764	16	infrastructure	infrastructure	NOUN
framr-4076	764	17	by	by	ADP
framr-4076	764	18	fostering	foster	VERB
framr-4076	764	19	improved	improved	ADJ
framr-4076	764	20	resource	resource	NOUN
framr-4076	764	21	mobilisation	mobilisation	NOUN
framr-4076	764	22	,	,	PUNCT
framr-4076	764	23	improving	improve	VERB
framr-4076	764	24	loan	loan	NOUN
framr-4076	764	25	availability	availability	NOUN
framr-4076	764	26	,	,	PUNCT
framr-4076	764	27	and	and	CCONJ
framr-4076	764	28	cutting	cut	VERB
framr-4076	764	29	transaction	transaction	NOUN
framr-4076	764	30	costs	cost	NOUN
framr-4076	764	31	.	.	PUNCT
framr-4076	765	1	moreover	moreover	ADV
framr-4076	765	2	,	,	PUNCT
framr-4076	765	3	the	the	DET
framr-4076	765	4	theoretical	theoretical	ADJ
framr-4076	765	5	perspective	perspective	NOUN
framr-4076	765	6	shows	show	VERB
framr-4076	765	7	that	that	SCONJ
framr-4076	765	8	stakeholder	stakeholder	NOUN
framr-4076	765	9	theory	theory	NOUN
framr-4076	765	10	helps	helps	AUX
framr-4076	765	11	identify	identify	VERB
framr-4076	765	12	the	the	DET
framr-4076	765	13	roles	role	NOUN
framr-4076	765	14	and	and	CCONJ
framr-4076	765	15	effects	effect	NOUN
framr-4076	765	16	of	of	ADP
framr-4076	765	17	stakeholders	stakeholder	NOUN
framr-4076	765	18	who	who	PRON
framr-4076	765	19	are	be	AUX
framr-4076	765	20	either	either	ADV
framr-4076	765	21	impacted	impact	VERB
framr-4076	765	22	or	or	CCONJ
framr-4076	765	23	interested	interested	ADJ
framr-4076	765	24	in	in	ADP
framr-4076	765	25	greenwashing	greenwashing	NOUN
framr-4076	765	26	,	,	PUNCT
framr-4076	765	27	which	which	PRON
framr-4076	765	28	is	be	AUX
framr-4076	765	29	why	why	SCONJ
framr-4076	765	30	it	it	PRON
framr-4076	765	31	is	be	AUX
framr-4076	765	32	relevant	relevant	ADJ
framr-4076	765	33	in	in	ADP
framr-4076	765	34	the	the	DET
framr-4076	765	35	context	context	NOUN
framr-4076	765	36	of	of	ADP
framr-4076	765	37	fintech	fintech	NOUN
framr-4076	765	38	greenwashing	greenwashing	NOUN
framr-4076	765	39	.	.	PUNCT
framr-4076	766	1	in	in	ADP
framr-4076	766	2	their	their	PRON
framr-4076	766	3	day	day	NOUN
framr-4076	766	4	-	-	PUNCT
framr-4076	766	5	to	to	ADP
framr-4076	766	6	-	-	PUNCT
framr-4076	766	7	day	day	NOUN
framr-4076	766	8	operations	operation	NOUN
framr-4076	766	9	,	,	PUNCT
framr-4076	766	10	fintech	fintech	NOUN
framr-4076	766	11	companies	company	NOUN
framr-4076	766	12	also	also	ADV
framr-4076	766	13	put	put	VERB
framr-4076	766	14	a	a	DET
framr-4076	766	15	lot	lot	NOUN
framr-4076	766	16	of	of	ADP
framr-4076	766	17	work	work	NOUN
framr-4076	766	18	into	into	ADP
framr-4076	766	19	being	be	AUX
framr-4076	766	20	leaders	leader	NOUN
framr-4076	766	21	in	in	ADP
framr-4076	766	22	sustainable	sustainable	ADJ
framr-4076	766	23	financial	financial	ADJ
framr-4076	766	24	solutions	solution	NOUN
framr-4076	766	25	.	.	PUNCT
framr-4076	767	1	however	however	ADV
framr-4076	767	2	,	,	PUNCT
framr-4076	767	3	the	the	DET
framr-4076	767	4	confidence	confidence	NOUN
framr-4076	767	5	and	and	CCONJ
framr-4076	767	6	legitimacy	legitimacy	NOUN
framr-4076	767	7	that	that	SCONJ
framr-4076	767	8	these	these	DET
framr-4076	767	9	companies	company	NOUN
framr-4076	767	10	depend	depend	VERB
framr-4076	767	11	on	on	ADP
framr-4076	767	12	are	be	AUX
framr-4076	767	13	undermined	undermined	ADJ
framr-4076	767	14	when	when	SCONJ
framr-4076	767	15	they	they	PRON
framr-4076	767	16	make	make	VERB
framr-4076	767	17	exaggerated	exaggerated	ADJ
framr-4076	767	18	claims	claim	NOUN
framr-4076	767	19	about	about	ADP
framr-4076	767	20	how	how	SCONJ
framr-4076	767	21	well	well	ADV
framr-4076	767	22	they	they	PRON
framr-4076	767	23	are	be	AUX
framr-4076	767	24	stewarding	stewarde	VERB
framr-4076	767	25	the	the	DET
framr-4076	767	26	environment	environment	NOUN
framr-4076	767	27	.	.	PUNCT
framr-4076	768	1	in	in	ADP
framr-4076	768	2	the	the	DET
framr-4076	768	3	case	case	NOUN
framr-4076	768	4	of	of	ADP
framr-4076	768	5	legitimacy	legitimacy	NOUN
framr-4076	768	6	theory	theory	NOUN
framr-4076	768	7	,	,	PUNCT
framr-4076	768	8	the	the	DET
framr-4076	768	9	validity	validity	NOUN
framr-4076	768	10	of	of	ADP
framr-4076	768	11	the	the	DET
framr-4076	768	12	financial	financial	ADJ
framr-4076	768	13	goods	good	NOUN
framr-4076	768	14	and	and	CCONJ
framr-4076	768	15	services	service	NOUN
framr-4076	768	16	offered	offer	VERB
framr-4076	768	17	by	by	ADP
framr-4076	768	18	these	these	DET
framr-4076	768	19	firms	firm	NOUN
framr-4076	768	20	is	be	AUX
framr-4076	768	21	predicated	predicate	VERB
framr-4076	768	22	on	on	ADP
framr-4076	768	23	several	several	ADJ
framr-4076	768	24	elements	element	NOUN
framr-4076	768	25	,	,	PUNCT
framr-4076	768	26	such	such	ADJ
framr-4076	768	27	as	as	ADP
framr-4076	768	28	their	their	PRON
framr-4076	768	29	alignment	alignment	NOUN
framr-4076	768	30	with	with	ADP
framr-4076	768	31	societal	societal	ADJ
framr-4076	768	32	objectives	objective	NOUN
framr-4076	768	33	to	to	PART
framr-4076	768	34	solve	solve	VERB
framr-4076	768	35	pertinent	pertinent	ADJ
framr-4076	768	36	financial	financial	ADJ
framr-4076	768	37	issues	issue	NOUN
framr-4076	768	38	,	,	PUNCT
framr-4076	768	39	uphold	uphold	VERB
framr-4076	768	40	sustainable	sustainable	ADJ
framr-4076	768	41	development	development	NOUN
framr-4076	768	42	goals	goal	NOUN
framr-4076	768	43	,	,	PUNCT
framr-4076	768	44	and	and	CCONJ
framr-4076	768	45	respect	respect	VERB
framr-4076	768	46	customers	customer	NOUN
framr-4076	768	47	'	'	PART
framr-4076	768	48	right	right	NOUN
framr-4076	768	49	to	to	ADP
framr-4076	768	50	privacy	privacy	NOUN
framr-4076	768	51	.	.	PUNCT
framr-4076	769	1	it	it	PRON
framr-4076	769	2	will	will	AUX
framr-4076	769	3	be	be	AUX
framr-4076	769	4	simpler	simple	ADJ
framr-4076	769	5	for	for	SCONJ
framr-4076	769	6	these	these	DET
framr-4076	769	7	businesses	business	NOUN
framr-4076	769	8	to	to	PART
framr-4076	769	9	get	get	VERB
framr-4076	769	10	traction	traction	NOUN
framr-4076	769	11	in	in	ADP
framr-4076	769	12	the	the	DET
framr-4076	769	13	market	market	NOUN
framr-4076	769	14	.	.	PUNCT
framr-4076	770	1	in	in	ADP
framr-4076	770	2	the	the	DET
framr-4076	770	3	fintech	fintech	NOUN
framr-4076	770	4	sector	sector	NOUN
framr-4076	770	5	,	,	PUNCT
framr-4076	770	6	signalling	signal	VERB
framr-4076	770	7	theory	theory	NOUN
framr-4076	770	8	plays	play	VERB
framr-4076	770	9	a	a	DET
framr-4076	770	10	critical	critical	ADJ
framr-4076	770	11	role	role	NOUN
framr-4076	770	12	in	in	ADP
framr-4076	770	13	helping	help	VERB
framr-4076	770	14	businesses	business	NOUN
framr-4076	770	15	convey	convey	VERB
framr-4076	770	16	information	information	NOUN
framr-4076	770	17	about	about	ADP
framr-4076	770	18	sustainability	sustainability	NOUN
framr-4076	770	19	and	and	CCONJ
framr-4076	770	20	the	the	DET
framr-4076	770	21	environment	environment	NOUN
framr-4076	770	22	to	to	ADP
framr-4076	770	23	interested	interested	ADJ
framr-4076	770	24	parties	party	NOUN
framr-4076	770	25	.	.	PUNCT
framr-4076	771	1	similar	similar	ADJ
framr-4076	771	2	to	to	ADP
framr-4076	771	3	the	the	DET
framr-4076	771	4	majority	majority	NOUN
framr-4076	771	5	of	of	ADP
framr-4076	771	6	other	other	ADJ
framr-4076	771	7	businesses	business	NOUN
framr-4076	771	8	,	,	PUNCT
framr-4076	771	9	the	the	DET
framr-4076	771	10	fintech	fintech	NOUN
framr-4076	771	11	sector	sector	NOUN
framr-4076	771	12	functions	function	NOUN
framr-4076	771	13	in	in	ADP
framr-4076	771	14	a	a	DET
framr-4076	771	15	global	global	ADJ
framr-4076	771	16	context	context	NOUN
framr-4076	771	17	where	where	SCONJ
framr-4076	771	18	stakeholders	stakeholder	NOUN
framr-4076	771	19	with	with	ADP
framr-4076	771	20	vested	vested	ADJ
framr-4076	771	21	interests	interest	NOUN
framr-4076	771	22	,	,	PUNCT
framr-4076	771	23	such	such	ADJ
framr-4076	771	24	as	as	ADP
framr-4076	771	25	investors	investor	NOUN
framr-4076	771	26	and	and	CCONJ
framr-4076	771	27	customers	customer	NOUN
framr-4076	771	28	,	,	PUNCT
framr-4076	771	29	are	be	AUX
framr-4076	771	30	more	more	ADV
framr-4076	771	31	mindful	mindful	ADJ
framr-4076	771	32	of	of	ADP
framr-4076	771	33	sustainability	sustainability	NOUN
framr-4076	771	34	.	.	PUNCT
framr-4076	772	1	external	external	ADJ
framr-4076	772	2	constraints	constraint	NOUN
framr-4076	772	3	might	might	AUX
framr-4076	772	4	come	come	VERB
framr-4076	772	5	from	from	ADP
framr-4076	772	6	self	self	NOUN
framr-4076	772	7	-	-	PUNCT
framr-4076	772	8	regulation	regulation	NOUN
framr-4076	772	9	,	,	PUNCT
framr-4076	772	10	new	new	ADJ
framr-4076	772	11	laws	law	NOUN
framr-4076	772	12	and	and	CCONJ
framr-4076	772	13	regulations	regulation	NOUN
framr-4076	772	14	,	,	PUNCT
framr-4076	772	15	consumer	consumer	NOUN
framr-4076	772	16	demand	demand	NOUN
framr-4076	772	17	for	for	ADP
framr-4076	772	18	sustainable	sustainable	ADJ
framr-4076	772	19	goods	good	NOUN
framr-4076	772	20	,	,	PUNCT
framr-4076	772	21	or	or	CCONJ
framr-4076	772	22	societal	societal	ADJ
framr-4076	772	23	values	value	NOUN
framr-4076	772	24	that	that	PRON
framr-4076	772	25	fintech	fintech	NOUN
framr-4076	772	26	companies	company	NOUN
framr-4076	772	27	must	must	AUX
framr-4076	772	28	conform	conform	VERB
framr-4076	772	29	to	to	ADP
framr-4076	772	30	.	.	PUNCT
framr-4076	773	1	in	in	ADP
framr-4076	773	2	addition	addition	NOUN
framr-4076	773	3	,	,	PUNCT
framr-4076	773	4	corporate	corporate	ADJ
framr-4076	773	5	greenwashing	greenwashing	NOUN
framr-4076	773	6	has	have	VERB
framr-4076	773	7	many	many	ADJ
framr-4076	773	8	detrimental	detrimental	ADJ
framr-4076	773	9	repercussions	repercussion	NOUN
framr-4076	773	10	on	on	ADP
framr-4076	773	11	the	the	DET
framr-4076	773	12	economy	economy	NOUN
framr-4076	773	13	,	,	PUNCT
framr-4076	773	14	society	society	NOUN
framr-4076	773	15	,	,	PUNCT
framr-4076	773	16	and	and	CCONJ
framr-4076	773	17	environment	environment	NOUN
framr-4076	773	18	.	.	PUNCT
framr-4076	774	1	corporate	corporate	ADJ
framr-4076	774	2	greenwashing	greenwashing	NOUN
framr-4076	774	3	damages	damage	NOUN
framr-4076	774	4	real	real	ADJ
framr-4076	774	5	environmental	environmental	ADJ
framr-4076	774	6	initiatives	initiative	NOUN
framr-4076	774	7	by	by	ADP
framr-4076	774	8	undermining	undermine	VERB
framr-4076	774	9	public	public	ADJ
framr-4076	774	10	trust	trust	NOUN
framr-4076	774	11	and	and	CCONJ
framr-4076	774	12	credibility	credibility	NOUN
framr-4076	774	13	.	.	PUNCT
framr-4076	775	1	rebuilding	rebuild	VERB
framr-4076	775	2	trust	trust	NOUN
framr-4076	775	3	is	be	AUX
framr-4076	775	4	necessary	necessary	ADJ
framr-4076	775	5	if	if	SCONJ
framr-4076	775	6	businesses	business	NOUN
framr-4076	775	7	are	be	AUX
framr-4076	775	8	to	to	PART
framr-4076	775	9	promote	promote	VERB
framr-4076	775	10	sustainable	sustainable	ADJ
framr-4076	775	11	development	development	NOUN
framr-4076	775	12	.	.	PUNCT
framr-4076	776	1	greenwashing	greenwashe	VERB
framr-4076	776	2	impedes	impede	VERB
framr-4076	776	3	actual	actual	ADJ
framr-4076	776	4	progress	progress	NOUN
framr-4076	776	5	by	by	ADP
framr-4076	776	6	diverting	divert	VERB
framr-4076	776	7	resources	resource	NOUN
framr-4076	776	8	away	away	ADV
framr-4076	776	9	from	from	ADP
framr-4076	776	10	genuine	genuine	ADJ
framr-4076	776	11	sustainability	sustainability	NOUN
framr-4076	776	12	initiatives	initiative	NOUN
framr-4076	776	13	,	,	PUNCT
framr-4076	776	14	as	as	SCONJ
framr-4076	776	15	corporations	corporation	NOUN
framr-4076	776	16	invest	invest	VERB
framr-4076	776	17	more	more	ADJ
framr-4076	776	18	money	money	NOUN
framr-4076	776	19	in	in	ADP
framr-4076	776	20	projecting	project	VERB
framr-4076	776	21	a	a	DET
framr-4076	776	22	green	green	ADJ
framr-4076	776	23	image	image	NOUN
framr-4076	776	24	than	than	ADP
framr-4076	776	25	in	in	ADP
framr-4076	776	26	achieving	achieve	VERB
framr-4076	776	27	meaningful	meaningful	ADJ
framr-4076	776	28	changes	change	NOUN
framr-4076	776	29	.	.	PUNCT
framr-4076	777	1	governments	government	NOUN
framr-4076	777	2	and	and	CCONJ
framr-4076	777	3	regulatory	regulatory	ADJ
framr-4076	777	4	bodies	body	NOUN
framr-4076	777	5	should	should	AUX
framr-4076	777	6	strengthen	strengthen	VERB
framr-4076	777	7	regulations	regulation	NOUN
framr-4076	777	8	,	,	PUNCT
framr-4076	777	9	establish	establish	VERB
framr-4076	777	10	precise	precise	ADJ
framr-4076	777	11	standards	standard	NOUN
framr-4076	777	12	for	for	ADP
framr-4076	777	13	environmental	environmental	ADJ
framr-4076	777	14	claims	claim	NOUN
framr-4076	777	15	,	,	PUNCT
framr-4076	777	16	and	and	CCONJ
framr-4076	777	17	guarantee	guarantee	VERB
framr-4076	777	18	public	public	ADJ
framr-4076	777	19	reporting	reporting	NOUN
framr-4076	777	20	to	to	PART
framr-4076	777	21	hold	hold	VERB
framr-4076	777	22	companies	company	NOUN
framr-4076	777	23	accountable	accountable	ADJ
framr-4076	777	24	in	in	ADP
framr-4076	777	25	order	order	NOUN
framr-4076	777	26	to	to	PART
framr-4076	777	27	effectively	effectively	ADV
framr-4076	777	28	combat	combat	VERB
framr-4076	777	29	greenwashing	greenwashing	NOUN
framr-4076	777	30	(	(	PUNCT
framr-4076	777	31	maamir	maamir	NOUN
framr-4076	777	32	,	,	PUNCT
framr-4076	777	33	2024	2024	NUM
framr-4076	777	34	)	)	PUNCT
framr-4076	777	35	.	.	PUNCT
framr-4076	778	1	the	the	DET
framr-4076	778	2	foundation	foundation	NOUN
framr-4076	778	3	of	of	ADP
framr-4076	778	4	institutional	institutional	ADJ
framr-4076	778	5	trust	trust	NOUN
framr-4076	778	6	is	be	AUX
framr-4076	778	7	the	the	DET
framr-4076	778	8	conviction	conviction	NOUN
framr-4076	778	9	that	that	SCONJ
framr-4076	778	10	the	the	DET
framr-4076	778	11	entities	entity	NOUN
framr-4076	778	12	tasked	task	VERB
framr-4076	778	13	with	with	ADP
framr-4076	778	14	evaluating	evaluate	VERB
framr-4076	778	15	the	the	DET
framr-4076	778	16	suitability	suitability	NOUN
framr-4076	778	17	of	of	ADP
framr-4076	778	18	a	a	DET
framr-4076	778	19	certifying	certify	VERB
framr-4076	778	20	organisation	organisation	NOUN
framr-4076	778	21	are	be	AUX
framr-4076	778	22	dependable	dependable	ADJ
framr-4076	778	23	,	,	PUNCT
framr-4076	778	24	capable	capable	ADJ
framr-4076	778	25	,	,	PUNCT
framr-4076	778	26	and	and	CCONJ
framr-4076	778	27	trustworthy	trustworthy	ADJ
framr-4076	778	28	in	in	ADP
framr-4076	778	29	their	their	PRON
framr-4076	778	30	job	job	NOUN
framr-4076	778	31	.	.	PUNCT
framr-4076	779	1	for	for	ADP
framr-4076	779	2	example	example	NOUN
framr-4076	779	3	,	,	PUNCT
framr-4076	779	4	organisations	organisation	NOUN
framr-4076	779	5	that	that	PRON
framr-4076	779	6	issue	issue	VERB
framr-4076	779	7	green	green	ADJ
framr-4076	779	8	certifications	certification	NOUN
framr-4076	779	9	depend	depend	VERB
framr-4076	779	10	on	on	ADP
framr-4076	779	11	institutional	institutional	ADJ
framr-4076	779	12	trust	trust	NOUN
framr-4076	779	13	to	to	PART
framr-4076	779	14	guarantee	guarantee	VERB
framr-4076	779	15	that	that	SCONJ
framr-4076	779	16	the	the	DET
framr-4076	779	17	environmental	environmental	ADJ
framr-4076	779	18	and	and	CCONJ
framr-4076	779	19	social	social	ADJ
framr-4076	779	20	performance	performance	NOUN
framr-4076	779	21	they	they	PRON
framr-4076	779	22	certify	certify	VERB
framr-4076	779	23	is	be	AUX
framr-4076	779	24	trustworthy	trustworthy	ADJ
framr-4076	779	25	and	and	CCONJ
framr-4076	779	26	not	not	PART
framr-4076	779	27	dishonest	dishonest	ADJ
framr-4076	779	28	or	or	CCONJ
framr-4076	779	29	fraudulent	fraudulent	ADJ
framr-4076	779	30	.	.	PUNCT
framr-4076	780	1	while	while	SCONJ
framr-4076	780	2	certifications	certification	NOUN
framr-4076	780	3	are	be	AUX
framr-4076	780	4	crucial	crucial	ADJ
framr-4076	780	5	to	to	ADP
framr-4076	780	6	the	the	DET
framr-4076	780	7	global	global	ADJ
framr-4076	780	8	sustainability	sustainability	NOUN
framr-4076	780	9	financial	financial	ADJ
framr-4076	780	10	risk	risk	NOUN
framr-4076	780	11	and	and	CCONJ
framr-4076	780	12	management	management	NOUN
framr-4076	780	13	reviews	review	NOUN
framr-4076	780	14	,	,	PUNCT
framr-4076	780	15	2025	2025	NUM
framr-4076	780	16	,	,	PUNCT
framr-4076	780	17	11(1	11(1	NUM
framr-4076	780	18	):	):	PUNCT
framr-4076	780	19	37	37	NUM
framr-4076	780	20	-	-	SYM
framr-4076	780	21	71	71	NUM
framr-4076	780	22	65	65	NUM
framr-4076	780	23	©	©	PROPN
framr-4076	780	24	2025	2025	NUM
framr-4076	780	25	conscientia	conscientia	PROPN
framr-4076	780	26	beam	beam	PROPN
framr-4076	780	27	.	.	PUNCT
framr-4076	781	1	all	all	DET
framr-4076	781	2	rights	right	NOUN
framr-4076	781	3	reserved	reserve	VERB
framr-4076	781	4	.	.	PUNCT
framr-4076	782	1	movement	movement	NOUN
framr-4076	782	2	,	,	PUNCT
framr-4076	782	3	institutional	institutional	ADJ
framr-4076	782	4	trust	trust	NOUN
framr-4076	782	5	may	may	AUX
framr-4076	782	6	ultimately	ultimately	ADV
framr-4076	782	7	be	be	AUX
framr-4076	782	8	undermined	undermine	VERB
framr-4076	782	9	by	by	ADP
framr-4076	782	10	shifting	shift	VERB
framr-4076	782	11	market	market	NOUN
framr-4076	782	12	conditions	condition	NOUN
framr-4076	782	13	and	and	CCONJ
framr-4076	782	14	technological	technological	ADJ
framr-4076	782	15	advancements	advancement	NOUN
framr-4076	782	16	(	(	PUNCT
framr-4076	782	17	nygaard	nygaard	NOUN
framr-4076	782	18	&	&	CCONJ
framr-4076	782	19	silkoset	silkoset	NOUN
framr-4076	782	20	,	,	PUNCT
framr-4076	782	21	2023	2023	NUM
framr-4076	782	22	)	)	PUNCT
framr-4076	782	23	.	.	PUNCT
framr-4076	783	1	7.2	7.2	NUM
framr-4076	783	2	.	.	PUNCT
framr-4076	784	1	future	future	ADJ
framr-4076	784	2	research	research	NOUN
framr-4076	784	3	directions	direction	NOUN
framr-4076	784	4	7.2.1	7.2.1	NUM
framr-4076	784	5	.	.	PUNCT
framr-4076	785	1	emerging	emerge	VERB
framr-4076	785	2	trends	trend	NOUN
framr-4076	785	3	in	in	ADP
framr-4076	785	4	fintech	fintech	NOUN
framr-4076	785	5	and	and	CCONJ
framr-4076	785	6	sustainability	sustainability	NOUN
framr-4076	785	7	a	a	DET
framr-4076	785	8	growing	grow	VERB
framr-4076	785	9	number	number	NOUN
framr-4076	785	10	of	of	ADP
framr-4076	785	11	emerging	emerge	VERB
framr-4076	785	12	issues	issue	NOUN
framr-4076	785	13	that	that	PRON
framr-4076	785	14	impact	impact	VERB
framr-4076	785	15	financial	financial	ADJ
framr-4076	785	16	management	management	NOUN
framr-4076	785	17	are	be	AUX
framr-4076	785	18	appearing	appear	VERB
framr-4076	785	19	these	these	DET
framr-4076	785	20	days	day	NOUN
framr-4076	785	21	.	.	PUNCT
framr-4076	786	1	these	these	PRON
framr-4076	786	2	are	be	AUX
framr-4076	786	3	the	the	DET
framr-4076	786	4	results	result	NOUN
framr-4076	786	5	of	of	ADP
framr-4076	786	6	increased	increase	VERB
framr-4076	786	7	consumer	consumer	NOUN
framr-4076	786	8	concerns	concern	NOUN
framr-4076	786	9	about	about	ADP
framr-4076	786	10	environmental	environmental	ADJ
framr-4076	786	11	sustainability	sustainability	NOUN
framr-4076	786	12	and	and	CCONJ
framr-4076	786	13	respect	respect	NOUN
framr-4076	786	14	in	in	ADP
framr-4076	786	15	the	the	DET
framr-4076	786	16	products	product	NOUN
framr-4076	786	17	and	and	CCONJ
framr-4076	786	18	services	service	NOUN
framr-4076	786	19	they	they	PRON
framr-4076	786	20	buy	buy	VERB
framr-4076	786	21	and	and	CCONJ
framr-4076	786	22	use	use	VERB
framr-4076	786	23	,	,	PUNCT
framr-4076	786	24	along	along	ADP
framr-4076	786	25	with	with	ADP
framr-4076	786	26	the	the	DET
framr-4076	786	27	acceleration	acceleration	NOUN
framr-4076	786	28	of	of	ADP
framr-4076	786	29	digitalisation	digitalisation	NOUN
framr-4076	786	30	.	.	PUNCT
framr-4076	787	1	environmental	environmental	ADJ
framr-4076	787	2	,	,	PUNCT
framr-4076	787	3	social	social	ADJ
framr-4076	787	4	,	,	PUNCT
framr-4076	787	5	and	and	CCONJ
framr-4076	787	6	governance	governance	NOUN
framr-4076	787	7	(	(	PUNCT
framr-4076	787	8	esg	esg	NOUN
framr-4076	787	9	)	)	PUNCT
framr-4076	787	10	considerations	consideration	NOUN
framr-4076	787	11	and	and	CCONJ
framr-4076	787	12	corporate	corporate	ADJ
framr-4076	787	13	social	social	ADJ
framr-4076	787	14	responsibility	responsibility	NOUN
framr-4076	787	15	(	(	PUNCT
framr-4076	787	16	csr	csr	NOUN
framr-4076	787	17	)	)	PUNCT
framr-4076	787	18	are	be	AUX
framr-4076	787	19	two	two	NUM
framr-4076	787	20	significant	significant	ADJ
framr-4076	787	21	instances	instance	NOUN
framr-4076	787	22	of	of	ADP
framr-4076	787	23	these	these	DET
framr-4076	787	24	challenges	challenge	NOUN
framr-4076	787	25	.	.	PUNCT
framr-4076	788	1	in	in	ADP
framr-4076	788	2	a	a	DET
framr-4076	788	3	similar	similar	ADJ
framr-4076	788	4	vein	vein	NOUN
framr-4076	788	5	,	,	PUNCT
framr-4076	788	6	the	the	DET
framr-4076	788	7	united	united	PROPN
framr-4076	788	8	nations	nations	PROPN
framr-4076	788	9	'	'	PART
framr-4076	788	10	2030	2030	NUM
framr-4076	788	11	agenda	agenda	NOUN
framr-4076	788	12	for	for	ADP
framr-4076	788	13	sustainable	sustainable	ADJ
framr-4076	788	14	development	development	NOUN
framr-4076	788	15	goals	goal	NOUN
framr-4076	788	16	(	(	PUNCT
framr-4076	788	17	sdgs	sdgs	ADJ
framr-4076	788	18	)	)	PUNCT
framr-4076	788	19	is	be	AUX
framr-4076	788	20	crucial	crucial	ADJ
framr-4076	788	21	to	to	ADP
framr-4076	788	22	the	the	DET
framr-4076	788	23	fight	fight	NOUN
framr-4076	788	24	against	against	ADP
framr-4076	788	25	climate	climate	NOUN
framr-4076	788	26	change	change	NOUN
framr-4076	788	27	.	.	PUNCT
framr-4076	789	1	green	green	ADJ
framr-4076	789	2	innovation	innovation	NOUN
framr-4076	789	3	,	,	PUNCT
framr-4076	789	4	as	as	ADP
framr-4076	789	5	a	a	DET
framr-4076	789	6	novel	novel	ADJ
framr-4076	789	7	technology	technology	NOUN
framr-4076	789	8	paradigm	paradigm	NOUN
framr-4076	789	9	,	,	PUNCT
framr-4076	789	10	has	have	AUX
framr-4076	789	11	promise	promise	NOUN
framr-4076	789	12	for	for	ADP
framr-4076	789	13	lowering	lower	VERB
framr-4076	789	14	resource	resource	NOUN
framr-4076	789	15	use	use	NOUN
framr-4076	789	16	and	and	CCONJ
framr-4076	789	17	raising	raise	VERB
framr-4076	789	18	resource	resource	NOUN
framr-4076	789	19	efficiency	efficiency	NOUN
framr-4076	789	20	.	.	PUNCT
framr-4076	790	1	to	to	PART
framr-4076	790	2	achieve	achieve	VERB
framr-4076	790	3	the	the	DET
framr-4076	790	4	carbon	carbon	NOUN
framr-4076	790	5	peak	peak	NOUN
framr-4076	790	6	target	target	NOUN
framr-4076	790	7	by	by	ADP
framr-4076	790	8	striking	strike	VERB
framr-4076	790	9	a	a	DET
framr-4076	790	10	balance	balance	NOUN
framr-4076	790	11	between	between	ADP
framr-4076	790	12	environmental	environmental	ADJ
framr-4076	790	13	conservation	conservation	NOUN
framr-4076	790	14	and	and	CCONJ
framr-4076	790	15	economic	economic	ADJ
framr-4076	790	16	development	development	NOUN
framr-4076	790	17	,	,	PUNCT
framr-4076	790	18	green	green	ADJ
framr-4076	790	19	innovation	innovation	NOUN
framr-4076	790	20	is	be	AUX
framr-4076	790	21	essential	essential	ADJ
framr-4076	790	22	.	.	PUNCT
framr-4076	791	1	building	building	NOUN
framr-4076	791	2	capacity	capacity	NOUN
framr-4076	791	3	is	be	AUX
framr-4076	791	4	necessary	necessary	ADJ
framr-4076	791	5	for	for	SCONJ
framr-4076	791	6	regulators	regulator	NOUN
framr-4076	791	7	to	to	PART
framr-4076	791	8	assess	assess	VERB
framr-4076	791	9	whether	whether	SCONJ
framr-4076	791	10	a	a	DET
framr-4076	791	11	bank	bank	NOUN
framr-4076	791	12	is	be	AUX
framr-4076	791	13	operating	operate	VERB
framr-4076	791	14	sustainably	sustainably	ADV
framr-4076	791	15	.	.	PUNCT
framr-4076	792	1	furthermore	furthermore	ADV
framr-4076	792	2	,	,	PUNCT
framr-4076	792	3	the	the	DET
framr-4076	792	4	bulk	bulk	NOUN
framr-4076	792	5	of	of	ADP
framr-4076	792	6	institutions	institution	NOUN
framr-4076	792	7	lacked	lack	VERB
framr-4076	792	8	sustainability	sustainability	NOUN
framr-4076	792	9	policies	policy	NOUN
framr-4076	792	10	,	,	PUNCT
framr-4076	792	11	and	and	CCONJ
framr-4076	792	12	only	only	ADV
framr-4076	792	13	a	a	DET
framr-4076	792	14	small	small	ADJ
framr-4076	792	15	number	number	NOUN
framr-4076	792	16	of	of	ADP
framr-4076	792	17	banks	bank	NOUN
framr-4076	792	18	produced	produce	VERB
framr-4076	792	19	sustainability	sustainability	NOUN
framr-4076	792	20	reports	report	NOUN
framr-4076	792	21	.	.	PUNCT
framr-4076	793	1	sustainable	sustainable	ADJ
framr-4076	793	2	investment	investment	NOUN
framr-4076	793	3	has	have	VERB
framr-4076	793	4	to	to	PART
framr-4076	793	5	be	be	AUX
framr-4076	793	6	a	a	DET
framr-4076	793	7	fundamental	fundamental	ADJ
framr-4076	793	8	principle	principle	NOUN
framr-4076	793	9	and	and	CCONJ
framr-4076	793	10	guiding	guide	VERB
framr-4076	793	11	concept	concept	NOUN
framr-4076	793	12	in	in	ADP
framr-4076	793	13	any	any	DET
framr-4076	793	14	company	company	NOUN
framr-4076	793	15	's	's	PART
framr-4076	793	16	day	day	NOUN
framr-4076	793	17	-	-	PUNCT
framr-4076	793	18	to	to	ADP
framr-4076	793	19	-	-	PUNCT
framr-4076	793	20	day	day	NOUN
framr-4076	793	21	operations	operation	NOUN
framr-4076	793	22	.	.	PUNCT
framr-4076	794	1	adopting	adopt	VERB
framr-4076	794	2	sustainable	sustainable	ADJ
framr-4076	794	3	banking	banking	NOUN
framr-4076	794	4	practices	practice	NOUN
framr-4076	794	5	may	may	AUX
framr-4076	794	6	lead	lead	VERB
framr-4076	794	7	to	to	ADP
framr-4076	794	8	the	the	DET
framr-4076	794	9	banking	banking	NOUN
framr-4076	794	10	sector	sector	NOUN
framr-4076	794	11	being	be	AUX
framr-4076	794	12	sustainable	sustainable	ADJ
framr-4076	794	13	.	.	PUNCT
framr-4076	795	1	the	the	DET
framr-4076	795	2	regulator	regulator	NOUN
framr-4076	795	3	must	must	AUX
framr-4076	795	4	keep	keep	VERB
framr-4076	795	5	an	an	DET
framr-4076	795	6	eye	eye	NOUN
framr-4076	795	7	on	on	ADP
framr-4076	795	8	how	how	SCONJ
framr-4076	795	9	sustainability	sustainability	NOUN
framr-4076	795	10	is	be	AUX
framr-4076	795	11	being	be	AUX
framr-4076	795	12	applied	apply	VERB
framr-4076	795	13	.	.	PUNCT
framr-4076	796	1	it	it	PRON
framr-4076	796	2	is	be	AUX
framr-4076	796	3	critical	critical	ADJ
framr-4076	796	4	to	to	PART
framr-4076	796	5	take	take	VERB
framr-4076	796	6	into	into	ADP
framr-4076	796	7	account	account	NOUN
framr-4076	796	8	other	other	ADJ
framr-4076	796	9	strategies	strategy	NOUN
framr-4076	796	10	in	in	ADP
framr-4076	796	11	this	this	DET
framr-4076	796	12	case	case	NOUN
framr-4076	796	13	as	as	ADV
framr-4076	796	14	well	well	ADV
framr-4076	796	15	,	,	PUNCT
framr-4076	796	16	such	such	ADJ
framr-4076	796	17	as	as	ADP
framr-4076	796	18	assessments	assessment	NOUN
framr-4076	796	19	of	of	ADP
framr-4076	796	20	the	the	DET
framr-4076	796	21	strategic	strategic	ADJ
framr-4076	796	22	implications	implication	NOUN
framr-4076	796	23	of	of	ADP
framr-4076	796	24	poverty	poverty	NOUN
framr-4076	796	25	,	,	PUNCT
framr-4076	796	26	legislation	legislation	NOUN
framr-4076	796	27	,	,	PUNCT
framr-4076	796	28	sustainability	sustainability	NOUN
framr-4076	796	29	,	,	PUNCT
framr-4076	796	30	and	and	CCONJ
framr-4076	796	31	the	the	DET
framr-4076	796	32	environment	environment	NOUN
framr-4076	796	33	.	.	PUNCT
framr-4076	797	1	based	base	VERB
framr-4076	797	2	on	on	ADP
framr-4076	797	3	their	their	PRON
framr-4076	797	4	capacities	capacity	NOUN
framr-4076	797	5	,	,	PUNCT
framr-4076	797	6	these	these	DET
framr-4076	797	7	instruments	instrument	NOUN
framr-4076	797	8	need	need	VERB
framr-4076	797	9	to	to	PART
framr-4076	797	10	be	be	AUX
framr-4076	797	11	employed	employ	VERB
framr-4076	797	12	to	to	PART
framr-4076	797	13	evaluate	evaluate	VERB
framr-4076	797	14	each	each	DET
framr-4076	797	15	bank	bank	NOUN
framr-4076	797	16	's	's	PART
framr-4076	797	17	advancement	advancement	NOUN
framr-4076	797	18	toward	toward	ADP
framr-4076	797	19	climate	climate	NOUN
framr-4076	797	20	finance	finance	NOUN
framr-4076	797	21	and	and	CCONJ
framr-4076	797	22	sustainable	sustainable	ADJ
framr-4076	797	23	banking	banking	NOUN
framr-4076	797	24	.	.	PUNCT
framr-4076	798	1	it	it	PRON
framr-4076	798	2	would	would	AUX
framr-4076	798	3	be	be	AUX
framr-4076	798	4	essential	essential	ADJ
framr-4076	798	5	to	to	PART
framr-4076	798	6	examine	examine	VERB
framr-4076	798	7	various	various	ADJ
framr-4076	798	8	instances	instance	NOUN
framr-4076	798	9	of	of	ADP
framr-4076	798	10	sustainable	sustainable	ADJ
framr-4076	798	11	fintech	fintech	NOUN
framr-4076	798	12	and	and	CCONJ
framr-4076	798	13	identify	identify	VERB
framr-4076	798	14	their	their	PRON
framr-4076	798	15	shortcomings	shortcoming	NOUN
framr-4076	798	16	in	in	ADP
framr-4076	798	17	order	order	NOUN
framr-4076	798	18	to	to	PART
framr-4076	798	19	provide	provide	VERB
framr-4076	798	20	fresh	fresh	ADJ
framr-4076	798	21	approaches	approach	NOUN
framr-4076	798	22	for	for	ADP
framr-4076	798	23	improvement	improvement	NOUN
framr-4076	798	24	.	.	PUNCT
framr-4076	799	1	additionally	additionally	ADV
framr-4076	799	2	,	,	PUNCT
framr-4076	799	3	to	to	PART
framr-4076	799	4	implement	implement	VERB
framr-4076	799	5	all	all	PRON
framr-4076	799	6	of	of	ADP
framr-4076	799	7	these	these	DET
framr-4076	799	8	steps	step	NOUN
framr-4076	799	9	,	,	PUNCT
framr-4076	799	10	a	a	DET
framr-4076	799	11	strategy	strategy	NOUN
framr-4076	799	12	must	must	AUX
framr-4076	799	13	be	be	AUX
framr-4076	799	14	created	create	VERB
framr-4076	799	15	for	for	ADP
framr-4076	799	16	each	each	DET
framr-4076	799	17	platform	platform	NOUN
framr-4076	799	18	.	.	PUNCT
framr-4076	800	1	7.2.2	7.2.2	X
framr-4076	800	2	.	.	PUNCT
framr-4076	800	3	interdisciplinary	interdisciplinary	ADJ
framr-4076	800	4	approaches	approach	NOUN
framr-4076	800	5	within	within	ADP
framr-4076	800	6	the	the	DET
framr-4076	800	7	explanation	explanation	NOUN
framr-4076	800	8	of	of	ADP
framr-4076	800	9	each	each	DET
framr-4076	800	10	subject	subject	NOUN
framr-4076	800	11	above	above	ADV
framr-4076	800	12	,	,	PUNCT
framr-4076	800	13	there	there	PRON
framr-4076	800	14	are	be	VERB
framr-4076	800	15	several	several	ADJ
framr-4076	800	16	potential	potential	ADJ
framr-4076	800	17	areas	area	NOUN
framr-4076	800	18	for	for	ADP
framr-4076	800	19	further	further	ADJ
framr-4076	800	20	study	study	NOUN
framr-4076	800	21	.	.	PUNCT
framr-4076	801	1	many	many	ADJ
framr-4076	801	2	of	of	ADP
framr-4076	801	3	these	these	DET
framr-4076	801	4	topics	topic	NOUN
framr-4076	801	5	are	be	AUX
framr-4076	801	6	included	include	VERB
framr-4076	801	7	in	in	ADP
framr-4076	801	8	the	the	DET
framr-4076	801	9	core	core	NOUN
framr-4076	801	10	areas	area	NOUN
framr-4076	801	11	of	of	ADP
framr-4076	801	12	fintech	fintech	NOUN
framr-4076	801	13	,	,	PUNCT
framr-4076	801	14	which	which	PRON
framr-4076	801	15	served	serve	VERB
framr-4076	801	16	as	as	ADP
framr-4076	801	17	the	the	DET
framr-4076	801	18	primary	primary	ADJ
framr-4076	801	19	focus	focus	NOUN
framr-4076	801	20	of	of	ADP
framr-4076	801	21	our	our	PRON
framr-4076	801	22	study	study	NOUN
framr-4076	801	23	.	.	PUNCT
framr-4076	802	1	subsequent	subsequent	ADJ
framr-4076	802	2	studies	study	NOUN
framr-4076	802	3	could	could	AUX
framr-4076	802	4	investigate	investigate	VERB
framr-4076	802	5	within	within	ADP
framr-4076	802	6	-	-	PUNCT
framr-4076	802	7	group	group	NOUN
framr-4076	802	8	disparities	disparity	NOUN
framr-4076	802	9	in	in	ADP
framr-4076	802	10	non	non	ADJ
framr-4076	802	11	-	-	ADJ
framr-4076	802	12	g7	g7	ADJ
framr-4076	802	13	nations	nation	NOUN
framr-4076	802	14	according	accord	VERB
framr-4076	802	15	to	to	ADP
framr-4076	802	16	a	a	DET
framr-4076	802	17	range	range	NOUN
framr-4076	802	18	of	of	ADP
framr-4076	802	19	classifications	classification	NOUN
framr-4076	802	20	,	,	PUNCT
framr-4076	802	21	such	such	ADJ
framr-4076	802	22	as	as	ADP
framr-4076	802	23	political	political	ADJ
framr-4076	802	24	structure	structure	NOUN
framr-4076	802	25	,	,	PUNCT
framr-4076	802	26	economic	economic	ADJ
framr-4076	802	27	standing	standing	NOUN
framr-4076	802	28	,	,	PUNCT
framr-4076	802	29	performance	performance	NOUN
framr-4076	802	30	,	,	PUNCT
framr-4076	802	31	and	and	CCONJ
framr-4076	802	32	sources	source	NOUN
framr-4076	802	33	(	(	PUNCT
framr-4076	802	34	e.g.	e.g.	ADV
framr-4076	802	35	,	,	PUNCT
framr-4076	802	36	level	level	NOUN
framr-4076	802	37	of	of	ADP
framr-4076	802	38	reliance	reliance	NOUN
framr-4076	802	39	on	on	ADP
framr-4076	802	40	foreign	foreign	ADJ
framr-4076	802	41	trade	trade	NOUN
framr-4076	802	42	)	)	PUNCT
framr-4076	802	43	,	,	PUNCT
framr-4076	802	44	predominance	predominance	NOUN
framr-4076	802	45	of	of	ADP
framr-4076	802	46	specific	specific	ADJ
framr-4076	802	47	industry	industry	NOUN
framr-4076	802	48	clusters	cluster	NOUN
framr-4076	802	49	(	(	PUNCT
framr-4076	802	50	e.g.	e.g.	ADV
framr-4076	802	51	,	,	PUNCT
framr-4076	802	52	manufacturing	manufacturing	NOUN
framr-4076	802	53	,	,	PUNCT
framr-4076	802	54	services	service	NOUN
framr-4076	802	55	,	,	PUNCT
framr-4076	802	56	technology	technology	NOUN
framr-4076	802	57	,	,	PUNCT
framr-4076	802	58	mining	mining	NOUN
framr-4076	802	59	)	)	PUNCT
framr-4076	802	60	,	,	PUNCT
framr-4076	802	61	types	type	NOUN
framr-4076	802	62	of	of	ADP
framr-4076	802	63	organisations	organisation	NOUN
framr-4076	802	64	(	(	PUNCT
framr-4076	802	65	e.g.	e.g.	ADV
framr-4076	802	66	,	,	PUNCT
framr-4076	802	67	stateowned	stateowne	VERB
framr-4076	802	68	,	,	PUNCT
framr-4076	802	69	family	family	NOUN
framr-4076	802	70	enterprises	enterprise	NOUN
framr-4076	802	71	,	,	PUNCT
framr-4076	802	72	mncs	mncs	PROPN
framr-4076	802	73	,	,	PUNCT
framr-4076	802	74	etc	etc	X
framr-4076	802	75	.	.	X
framr-4076	802	76	)	)	PUNCT
framr-4076	802	77	,	,	PUNCT
framr-4076	802	78	social	social	ADJ
framr-4076	802	79	stratification	stratification	NOUN
framr-4076	802	80	,	,	PUNCT
framr-4076	802	81	etc	etc	X
framr-4076	802	82	.	.	X
framr-4076	803	1	every	every	DET
framr-4076	803	2	one	one	NUM
framr-4076	803	3	of	of	ADP
framr-4076	803	4	these	these	PRON
framr-4076	803	5	would	would	AUX
framr-4076	803	6	be	be	AUX
framr-4076	803	7	a	a	DET
framr-4076	803	8	multi	multi	ADJ
framr-4076	803	9	-	-	ADJ
framr-4076	803	10	layered	layered	ADJ
framr-4076	803	11	,	,	PUNCT
framr-4076	803	12	nested	nest	VERB
framr-4076	803	13	design	design	NOUN
framr-4076	803	14	study	study	NOUN
framr-4076	803	15	that	that	PRON
framr-4076	803	16	takes	take	VERB
framr-4076	803	17	into	into	ADP
framr-4076	803	18	consideration	consideration	NOUN
framr-4076	803	19	a	a	DET
framr-4076	803	20	range	range	NOUN
framr-4076	803	21	of	of	ADP
framr-4076	803	22	contextual	contextual	ADJ
framr-4076	803	23	elements	element	NOUN
framr-4076	803	24	that	that	PRON
framr-4076	803	25	are	be	AUX
framr-4076	803	26	included	include	VERB
framr-4076	803	27	as	as	ADP
framr-4076	803	28	concentric	concentric	ADJ
framr-4076	803	29	variables	variable	NOUN
framr-4076	803	30	and	and	CCONJ
framr-4076	803	31	have	have	VERB
framr-4076	803	32	an	an	DET
framr-4076	803	33	impact	impact	NOUN
framr-4076	803	34	on	on	ADP
framr-4076	803	35	how	how	SCONJ
framr-4076	803	36	sustainability	sustainability	NOUN
framr-4076	803	37	discourse	discourse	NOUN
framr-4076	803	38	and	and	CCONJ
framr-4076	803	39	practice	practice	NOUN
framr-4076	803	40	evolve	evolve	VERB
framr-4076	803	41	in	in	ADP
framr-4076	803	42	each	each	DET
framr-4076	803	43	environment	environment	NOUN
framr-4076	803	44	.	.	PUNCT
framr-4076	804	1	to	to	PART
framr-4076	804	2	establish	establish	VERB
framr-4076	804	3	strategies	strategy	NOUN
framr-4076	804	4	for	for	ADP
framr-4076	804	5	reaching	reach	VERB
framr-4076	804	6	a	a	DET
framr-4076	804	7	wide	wide	ADJ
framr-4076	804	8	agreement	agreement	NOUN
framr-4076	804	9	on	on	ADP
framr-4076	804	10	sustainability	sustainability	NOUN
framr-4076	804	11	reporting	reporting	NOUN
framr-4076	804	12	standards	standard	NOUN
framr-4076	804	13	and	and	CCONJ
framr-4076	804	14	indicators	indicator	NOUN
framr-4076	804	15	,	,	PUNCT
framr-4076	804	16	it	it	PRON
framr-4076	804	17	is	be	AUX
framr-4076	804	18	important	important	ADJ
framr-4076	804	19	to	to	PART
framr-4076	804	20	comprehend	comprehend	VERB
framr-4076	804	21	these	these	DET
framr-4076	804	22	disparities	disparity	NOUN
framr-4076	804	23	.	.	PUNCT
framr-4076	805	1	future	future	ADJ
framr-4076	805	2	researchers	researcher	NOUN
framr-4076	805	3	can	can	AUX
framr-4076	805	4	also	also	ADV
framr-4076	805	5	highlight	highlight	VERB
framr-4076	805	6	the	the	DET
framr-4076	805	7	challenges	challenge	NOUN
framr-4076	805	8	and	and	CCONJ
framr-4076	805	9	obstacles	obstacle	NOUN
framr-4076	805	10	faced	face	VERB
framr-4076	805	11	by	by	ADP
framr-4076	805	12	the	the	DET
framr-4076	805	13	different	different	ADJ
framr-4076	805	14	organisations	organisation	NOUN
framr-4076	805	15	when	when	SCONJ
framr-4076	805	16	trying	try	VERB
framr-4076	805	17	to	to	PART
framr-4076	805	18	mitigate	mitigate	VERB
framr-4076	805	19	greenwashing	greenwashing	NOUN
framr-4076	805	20	.	.	PUNCT
framr-4076	806	1	subsequent	subsequent	ADJ
framr-4076	806	2	investigations	investigation	NOUN
framr-4076	806	3	need	need	VERB
framr-4076	806	4	to	to	PART
framr-4076	806	5	aim	aim	VERB
framr-4076	806	6	to	to	PART
framr-4076	806	7	broaden	broaden	VERB
framr-4076	806	8	the	the	DET
framr-4076	806	9	field	field	NOUN
framr-4076	806	10	of	of	ADP
framr-4076	806	11	inquiry	inquiry	NOUN
framr-4076	806	12	by	by	ADP
framr-4076	806	13	including	include	VERB
framr-4076	806	14	monographs	monograph	NOUN
framr-4076	806	15	or	or	CCONJ
framr-4076	806	16	book	book	NOUN
framr-4076	806	17	chapters	chapter	NOUN
framr-4076	806	18	,	,	PUNCT
framr-4076	806	19	which	which	PRON
framr-4076	806	20	were	be	AUX
framr-4076	806	21	not	not	PART
framr-4076	806	22	taken	take	VERB
framr-4076	806	23	into	into	ADP
framr-4076	806	24	account	account	NOUN
framr-4076	806	25	in	in	ADP
framr-4076	806	26	this	this	DET
framr-4076	806	27	assessment	assessment	NOUN
framr-4076	806	28	.	.	PUNCT
framr-4076	807	1	additionally	additionally	ADV
framr-4076	807	2	,	,	PUNCT
framr-4076	807	3	future	future	ADJ
framr-4076	807	4	studies	study	NOUN
framr-4076	807	5	may	may	AUX
framr-4076	807	6	examine	examine	VERB
framr-4076	807	7	cultural	cultural	ADJ
framr-4076	807	8	variations	variation	NOUN
framr-4076	807	9	in	in	ADP
framr-4076	807	10	the	the	DET
framr-4076	807	11	perception	perception	NOUN
framr-4076	807	12	and	and	CCONJ
framr-4076	807	13	analysis	analysis	NOUN
framr-4076	807	14	of	of	ADP
framr-4076	807	15	greenwashing	greenwashe	VERB
framr-4076	807	16	by	by	ADP
framr-4076	807	17	extending	extend	VERB
framr-4076	807	18	the	the	DET
framr-4076	807	19	analysis	analysis	NOUN
framr-4076	807	20	to	to	ADP
framr-4076	807	21	non	non	ADJ
framr-4076	807	22	-	-	ADJ
framr-4076	807	23	english	english	ADJ
framr-4076	807	24	research	research	NOUN
framr-4076	807	25	.	.	PUNCT
framr-4076	808	1	we	we	PRON
framr-4076	808	2	limited	limit	VERB
framr-4076	808	3	the	the	DET
framr-4076	808	4	publications	publication	NOUN
framr-4076	808	5	we	we	PRON
framr-4076	808	6	selected	select	VERB
framr-4076	808	7	for	for	ADP
framr-4076	808	8	this	this	DET
framr-4076	808	9	research	research	NOUN
framr-4076	808	10	to	to	ADP
framr-4076	808	11	those	those	PRON
framr-4076	808	12	that	that	PRON
framr-4076	808	13	included	include	VERB
framr-4076	808	14	the	the	DET
framr-4076	808	15	search	search	NOUN
framr-4076	808	16	phrases	phrase	NOUN
framr-4076	808	17	in	in	ADP
framr-4076	808	18	the	the	DET
framr-4076	808	19	abstract	abstract	ADJ
framr-4076	808	20	or	or	CCONJ
framr-4076	808	21	title	title	NOUN
framr-4076	808	22	.	.	PUNCT
framr-4076	809	1	we	we	PRON
framr-4076	809	2	may	may	AUX
framr-4076	809	3	have	have	AUX
framr-4076	809	4	missed	miss	VERB
framr-4076	809	5	some	some	DET
framr-4076	809	6	fascinating	fascinating	ADJ
framr-4076	809	7	instances	instance	NOUN
framr-4076	809	8	or	or	CCONJ
framr-4076	809	9	conversations	conversation	NOUN
framr-4076	809	10	by	by	ADP
framr-4076	809	11	reducing	reduce	VERB
framr-4076	809	12	the	the	DET
framr-4076	809	13	search	search	NOUN
framr-4076	809	14	in	in	ADP
framr-4076	809	15	this	this	DET
framr-4076	809	16	manner	manner	NOUN
framr-4076	809	17	,	,	PUNCT
framr-4076	809	18	but	but	CCONJ
framr-4076	809	19	the	the	DET
framr-4076	809	20	decision	decision	NOUN
framr-4076	809	21	was	be	AUX
framr-4076	809	22	justified	justify	VERB
framr-4076	809	23	by	by	ADP
framr-4076	809	24	the	the	DET
framr-4076	809	25	need	need	NOUN
framr-4076	809	26	to	to	PART
framr-4076	809	27	find	find	VERB
framr-4076	809	28	those	those	DET
framr-4076	809	29	articles	article	NOUN
framr-4076	809	30	with	with	ADP
framr-4076	809	31	a	a	DET
framr-4076	809	32	clear	clear	ADJ
framr-4076	809	33	emphasis	emphasis	NOUN
framr-4076	809	34	on	on	ADP
framr-4076	809	35	the	the	DET
framr-4076	809	36	subject	subject	NOUN
framr-4076	809	37	.	.	PUNCT
framr-4076	810	1	similar	similar	ADJ
framr-4076	810	2	terminology	terminology	NOUN
framr-4076	810	3	and	and	CCONJ
framr-4076	810	4	ideas	idea	NOUN
framr-4076	810	5	should	should	AUX
framr-4076	810	6	thus	thus	ADV
framr-4076	810	7	be	be	AUX
framr-4076	810	8	taken	take	VERB
framr-4076	810	9	into	into	ADP
framr-4076	810	10	account	account	NOUN
framr-4076	810	11	when	when	SCONJ
framr-4076	810	12	choosing	choose	VERB
framr-4076	810	13	greenwashing	greenwashe	VERB
framr-4076	810	14	-	-	PUNCT
framr-4076	810	15	related	relate	VERB
framr-4076	810	16	material	material	NOUN
framr-4076	810	17	to	to	PART
framr-4076	810	18	expand	expand	VERB
framr-4076	810	19	the	the	DET
framr-4076	810	20	study	study	NOUN
framr-4076	810	21	of	of	ADP
framr-4076	810	22	greenwashing	greenwashe	VERB
framr-4076	810	23	research	research	NOUN
framr-4076	810	24	.	.	PUNCT
framr-4076	811	1	financial	financial	ADJ
framr-4076	811	2	risk	risk	NOUN
framr-4076	811	3	and	and	CCONJ
framr-4076	811	4	management	management	NOUN
framr-4076	811	5	reviews	review	NOUN
framr-4076	811	6	,	,	PUNCT
framr-4076	811	7	2025	2025	NUM
framr-4076	811	8	,	,	PUNCT
framr-4076	811	9	11(1	11(1	NUM
framr-4076	811	10	):	):	PUNCT
framr-4076	811	11	37	37	NUM
framr-4076	811	12	-	-	SYM
framr-4076	811	13	71	71	NUM
framr-4076	811	14	66	66	NUM
framr-4076	811	15	©	©	PROPN
framr-4076	811	16	2025	2025	NUM
framr-4076	811	17	conscientia	conscientia	PROPN
framr-4076	811	18	beam	beam	PROPN
framr-4076	811	19	.	.	PUNCT
framr-4076	812	1	all	all	DET
framr-4076	812	2	rights	right	NOUN
framr-4076	812	3	reserved	reserve	VERB
framr-4076	812	4	.	.	PUNCT
framr-4076	813	1	7.3	7.3	NUM
framr-4076	813	2	.	.	PUNCT
framr-4076	813	3	implications	implication	NOUN
framr-4076	813	4	since	since	SCONJ
framr-4076	813	5	the	the	DET
framr-4076	813	6	financial	financial	ADJ
framr-4076	813	7	sector	sector	NOUN
framr-4076	813	8	is	be	AUX
framr-4076	813	9	responsible	responsible	ADJ
framr-4076	813	10	for	for	ADP
framr-4076	813	11	providing	provide	VERB
framr-4076	813	12	the	the	DET
framr-4076	813	13	capital	capital	NOUN
framr-4076	813	14	required	require	VERB
framr-4076	813	15	to	to	PART
framr-4076	813	16	convert	convert	VERB
framr-4076	813	17	our	our	PRON
framr-4076	813	18	economy	economy	NOUN
framr-4076	813	19	into	into	ADP
framr-4076	813	20	a	a	DET
framr-4076	813	21	more	more	ADV
framr-4076	813	22	sustainable	sustainable	ADJ
framr-4076	813	23	one	one	NUM
framr-4076	813	24	,	,	PUNCT
framr-4076	813	25	it	it	PRON
framr-4076	813	26	is	be	AUX
framr-4076	813	27	essential	essential	ADJ
framr-4076	813	28	to	to	ADP
framr-4076	813	29	the	the	DET
framr-4076	813	30	battle	battle	NOUN
framr-4076	813	31	against	against	ADP
framr-4076	813	32	climate	climate	NOUN
framr-4076	813	33	change	change	NOUN
framr-4076	813	34	.	.	PUNCT
framr-4076	814	1	traditional	traditional	ADJ
framr-4076	814	2	providers	provider	NOUN
framr-4076	814	3	and	and	CCONJ
framr-4076	814	4	,	,	PUNCT
framr-4076	814	5	most	most	ADV
framr-4076	814	6	importantly	importantly	ADV
framr-4076	814	7	,	,	PUNCT
framr-4076	814	8	fintech	fintech	NOUN
framr-4076	814	9	businesses	business	NOUN
framr-4076	814	10	provide	provide	VERB
framr-4076	814	11	new	new	ADJ
framr-4076	814	12	financial	financial	ADJ
framr-4076	814	13	services	service	NOUN
framr-4076	814	14	related	relate	VERB
framr-4076	814	15	to	to	ADP
framr-4076	814	16	sustainability	sustainability	NOUN
framr-4076	814	17	to	to	PART
framr-4076	814	18	enhance	enhance	VERB
framr-4076	814	19	,	,	PUNCT
framr-4076	814	20	expand	expand	VERB
framr-4076	814	21	,	,	PUNCT
framr-4076	814	22	and	and	CCONJ
framr-4076	814	23	automate	automate	ADJ
framr-4076	814	24	financial	financial	ADJ
framr-4076	814	25	services	service	NOUN
framr-4076	814	26	.	.	PUNCT
framr-4076	815	1	fintech	fintech	NOUN
framr-4076	815	2	uses	use	VERB
framr-4076	815	3	techniques	technique	NOUN
framr-4076	815	4	like	like	ADP
framr-4076	815	5	crowdfunding	crowdfunde	VERB
framr-4076	815	6	,	,	PUNCT
framr-4076	815	7	big	big	ADJ
framr-4076	815	8	data	datum	NOUN
framr-4076	815	9	analytics	analytic	NOUN
framr-4076	815	10	,	,	PUNCT
framr-4076	815	11	blockchain	blockchain	PROPN
framr-4076	815	12	technology	technology	PROPN
framr-4076	815	13	,	,	PUNCT
framr-4076	815	14	and	and	CCONJ
framr-4076	815	15	artificial	artificial	ADJ
framr-4076	815	16	intelligence	intelligence	NOUN
framr-4076	815	17	to	to	PART
framr-4076	815	18	demonstrate	demonstrate	VERB
framr-4076	815	19	continuity	continuity	NOUN
framr-4076	815	20	and	and	CCONJ
framr-4076	815	21	consistency	consistency	NOUN
framr-4076	815	22	with	with	ADP
framr-4076	815	23	esg	esg	PROPN
framr-4076	815	24	requirements	requirement	NOUN
framr-4076	815	25	.	.	PUNCT
framr-4076	816	1	as	as	SCONJ
framr-4076	816	2	previously	previously	ADV
framr-4076	816	3	said	say	VERB
framr-4076	816	4	,	,	PUNCT
framr-4076	816	5	there	there	PRON
framr-4076	816	6	are	be	VERB
framr-4076	816	7	numerous	numerous	ADJ
framr-4076	816	8	similarities	similarity	NOUN
framr-4076	816	9	between	between	ADP
framr-4076	816	10	sustainable	sustainable	ADJ
framr-4076	816	11	finance	finance	NOUN
framr-4076	816	12	and	and	CCONJ
framr-4076	816	13	fintech	fintech	NOUN
framr-4076	816	14	.	.	PUNCT
framr-4076	817	1	fintech	fintech	NOUN
framr-4076	817	2	may	may	AUX
framr-4076	817	3	increase	increase	VERB
framr-4076	817	4	the	the	DET
framr-4076	817	5	sustainability	sustainability	NOUN
framr-4076	817	6	of	of	ADP
framr-4076	817	7	the	the	DET
framr-4076	817	8	financial	financial	ADJ
framr-4076	817	9	industry	industry	NOUN
framr-4076	817	10	as	as	ADP
framr-4076	817	11	a	a	DET
framr-4076	817	12	whole	whole	NOUN
framr-4076	817	13	by	by	ADP
framr-4076	817	14	promoting	promote	VERB
framr-4076	817	15	green	green	ADJ
framr-4076	817	16	money	money	NOUN
framr-4076	817	17	.	.	PUNCT
framr-4076	818	1	after	after	ADP
framr-4076	818	2	analysing	analyse	VERB
framr-4076	818	3	fintech	fintech	NOUN
framr-4076	818	4	platforms	platform	NOUN
framr-4076	818	5	and	and	CCONJ
framr-4076	818	6	greenwashing	greenwashing	NOUN
framr-4076	818	7	tactics	tactic	NOUN
framr-4076	818	8	,	,	PUNCT
framr-4076	818	9	it	it	PRON
framr-4076	818	10	is	be	AUX
framr-4076	818	11	determined	determined	ADJ
framr-4076	818	12	that	that	SCONJ
framr-4076	818	13	these	these	DET
framr-4076	818	14	platforms	platform	NOUN
framr-4076	818	15	still	still	ADV
framr-4076	818	16	require	require	VERB
framr-4076	818	17	development	development	NOUN
framr-4076	818	18	to	to	PART
framr-4076	818	19	inform	inform	VERB
framr-4076	818	20	and	and	CCONJ
framr-4076	818	21	educate	educate	VERB
framr-4076	818	22	users	user	NOUN
framr-4076	818	23	,	,	PUNCT
framr-4076	818	24	investors	investor	NOUN
framr-4076	818	25	,	,	PUNCT
framr-4076	818	26	and	and	CCONJ
framr-4076	818	27	consumers	consumer	NOUN
framr-4076	818	28	about	about	ADP
framr-4076	818	29	the	the	DET
framr-4076	818	30	conduct	conduct	NOUN
framr-4076	818	31	of	of	ADP
framr-4076	818	32	the	the	DET
framr-4076	818	33	companies	company	NOUN
framr-4076	818	34	they	they	PRON
framr-4076	818	35	typically	typically	ADV
framr-4076	818	36	do	do	VERB
framr-4076	818	37	business	business	NOUN
framr-4076	818	38	with	with	ADP
framr-4076	818	39	as	as	ADV
framr-4076	818	40	well	well	ADV
framr-4076	818	41	as	as	ADP
framr-4076	818	42	the	the	DET
framr-4076	818	43	bonds	bond	NOUN
framr-4076	818	44	and	and	CCONJ
framr-4076	818	45	stocks	stock	NOUN
framr-4076	818	46	they	they	PRON
framr-4076	818	47	purchase	purchase	VERB
framr-4076	818	48	.	.	PUNCT
framr-4076	819	1	in	in	ADP
framr-4076	819	2	light	light	NOUN
framr-4076	819	3	of	of	ADP
framr-4076	819	4	this	this	PRON
framr-4076	819	5	,	,	PUNCT
framr-4076	819	6	this	this	DET
framr-4076	819	7	paper	paper	NOUN
framr-4076	819	8	offers	offer	VERB
framr-4076	819	9	some	some	DET
framr-4076	819	10	helpful	helpful	ADJ
framr-4076	819	11	guidance	guidance	NOUN
framr-4076	819	12	and	and	CCONJ
framr-4076	819	13	suggests	suggest	VERB
framr-4076	819	14	enhancements	enhancement	NOUN
framr-4076	819	15	to	to	PART
framr-4076	819	16	maximise	maximise	VERB
framr-4076	819	17	the	the	DET
framr-4076	819	18	platforms	platform	NOUN
framr-4076	819	19	'	'	PART
framr-4076	819	20	functionality	functionality	NOUN
framr-4076	819	21	in	in	ADP
framr-4076	819	22	terms	term	NOUN
framr-4076	819	23	of	of	ADP
framr-4076	819	24	consumer	consumer	NOUN
framr-4076	819	25	protection	protection	NOUN
framr-4076	819	26	and	and	CCONJ
framr-4076	819	27	information	information	NOUN
framr-4076	819	28	.	.	PUNCT
framr-4076	820	1	using	use	VERB
framr-4076	820	2	several	several	ADJ
framr-4076	820	3	real	real	ADJ
framr-4076	820	4	-	-	PUNCT
framr-4076	820	5	world	world	NOUN
framr-4076	820	6	instances	instance	NOUN
framr-4076	820	7	of	of	ADP
framr-4076	820	8	sustainable	sustainable	ADJ
framr-4076	820	9	fintech	fintech	NOUN
framr-4076	820	10	,	,	PUNCT
framr-4076	820	11	the	the	DET
framr-4076	820	12	theoretical	theoretical	ADJ
framr-4076	820	13	framework	framework	NOUN
framr-4076	820	14	has	have	AUX
framr-4076	820	15	been	be	AUX
framr-4076	820	16	used	use	VERB
framr-4076	820	17	to	to	PART
framr-4076	820	18	demonstrate	demonstrate	VERB
framr-4076	820	19	how	how	SCONJ
framr-4076	820	20	to	to	PART
framr-4076	820	21	encourage	encourage	VERB
framr-4076	820	22	green	green	ADJ
framr-4076	820	23	investment	investment	NOUN
framr-4076	820	24	and	and	CCONJ
framr-4076	820	25	adopt	adopt	VERB
framr-4076	820	26	sustainable	sustainable	ADJ
framr-4076	820	27	practices	practice	NOUN
framr-4076	820	28	.	.	PUNCT
framr-4076	821	1	to	to	PART
framr-4076	821	2	counteract	counteract	VERB
framr-4076	821	3	greenwashing	greenwashing	NOUN
framr-4076	821	4	,	,	PUNCT
framr-4076	821	5	stakeholders	stakeholder	NOUN
framr-4076	821	6	—	—	PUNCT
framr-4076	821	7	including	include	VERB
framr-4076	821	8	corporations	corporation	NOUN
framr-4076	821	9	,	,	PUNCT
framr-4076	821	10	non	non	ADJ
framr-4076	821	11	-	-	ADJ
framr-4076	821	12	governmental	governmental	ADJ
framr-4076	821	13	organisations	organisation	NOUN
framr-4076	821	14	,	,	PUNCT
framr-4076	821	15	and	and	CCONJ
framr-4076	821	16	governmental	governmental	ADJ
framr-4076	821	17	bodies	body	NOUN
framr-4076	821	18	—	—	PUNCT
framr-4076	821	19	must	must	AUX
framr-4076	821	20	collaborate	collaborate	VERB
framr-4076	821	21	to	to	PART
framr-4076	821	22	develop	develop	VERB
framr-4076	821	23	industry	industry	NOUN
framr-4076	821	24	standards	standard	NOUN
framr-4076	821	25	,	,	PUNCT
framr-4076	821	26	exchange	exchange	VERB
framr-4076	821	27	best	good	ADJ
framr-4076	821	28	practices	practice	NOUN
framr-4076	821	29	,	,	PUNCT
framr-4076	821	30	and	and	CCONJ
framr-4076	821	31	hold	hold	VERB
framr-4076	821	32	enterprises	enterprise	NOUN
framr-4076	821	33	responsible	responsible	ADJ
framr-4076	821	34	for	for	ADP
framr-4076	821	35	their	their	PRON
framr-4076	821	36	claims	claim	NOUN
framr-4076	821	37	.	.	PUNCT
framr-4076	822	1	long	long	ADJ
framr-4076	822	2	-	-	PUNCT
framr-4076	822	3	term	term	NOUN
framr-4076	822	4	,	,	PUNCT
framr-4076	822	5	systemic	systemic	ADJ
framr-4076	822	6	changes	change	NOUN
framr-4076	822	7	are	be	AUX
framr-4076	822	8	necessary	necessary	ADJ
framr-4076	822	9	for	for	ADP
framr-4076	822	10	corporate	corporate	ADJ
framr-4076	822	11	commitment	commitment	NOUN
framr-4076	822	12	to	to	ADP
framr-4076	822	13	sustainability	sustainability	NOUN
framr-4076	822	14	,	,	PUNCT
framr-4076	822	15	and	and	CCONJ
framr-4076	822	16	sustainable	sustainable	ADJ
framr-4076	822	17	practices	practice	NOUN
framr-4076	822	18	must	must	AUX
framr-4076	822	19	be	be	AUX
framr-4076	822	20	prioritised	prioritise	VERB
framr-4076	822	21	in	in	ADP
framr-4076	822	22	key	key	ADJ
framr-4076	822	23	business	business	NOUN
framr-4076	822	24	initiatives	initiative	NOUN
framr-4076	822	25	.	.	PUNCT
framr-4076	823	1	this	this	DET
framr-4076	823	2	change	change	NOUN
framr-4076	823	3	improves	improve	VERB
framr-4076	823	4	competitiveness	competitiveness	NOUN
framr-4076	823	5	,	,	PUNCT
framr-4076	823	6	strengthens	strengthen	VERB
framr-4076	823	7	organisational	organisational	ADJ
framr-4076	823	8	resilience	resilience	NOUN
framr-4076	823	9	,	,	PUNCT
framr-4076	823	10	and	and	CCONJ
framr-4076	823	11	helps	help	VERB
framr-4076	823	12	the	the	DET
framr-4076	823	13	environment	environment	NOUN
framr-4076	823	14	.	.	PUNCT
framr-4076	824	1	in	in	ADP
framr-4076	824	2	summary	summary	NOUN
framr-4076	824	3	,	,	PUNCT
framr-4076	824	4	resolving	resolve	VERB
framr-4076	824	5	the	the	DET
framr-4076	824	6	conflict	conflict	NOUN
framr-4076	824	7	around	around	ADP
framr-4076	824	8	corporate	corporate	ADJ
framr-4076	824	9	greenwashing	greenwashing	NOUN
framr-4076	824	10	requires	require	VERB
framr-4076	824	11	a	a	DET
framr-4076	824	12	thorough	thorough	ADJ
framr-4076	824	13	strategy	strategy	NOUN
framr-4076	824	14	,	,	PUNCT
framr-4076	824	15	including	include	VERB
framr-4076	824	16	industry	industry	NOUN
framr-4076	824	17	cooperation	cooperation	NOUN
framr-4076	824	18	,	,	PUNCT
framr-4076	824	19	consumer	consumer	NOUN
framr-4076	824	20	education	education	NOUN
framr-4076	824	21	,	,	PUNCT
framr-4076	824	22	and	and	CCONJ
framr-4076	824	23	regulatory	regulatory	ADJ
framr-4076	824	24	intervention	intervention	NOUN
framr-4076	824	25	.	.	PUNCT
framr-4076	825	1	businesses	business	NOUN
framr-4076	825	2	need	need	VERB
framr-4076	825	3	to	to	PART
framr-4076	825	4	understand	understand	VERB
framr-4076	825	5	that	that	SCONJ
framr-4076	825	6	true	true	ADJ
framr-4076	825	7	sustainability	sustainability	NOUN
framr-4076	825	8	is	be	AUX
framr-4076	825	9	a	a	DET
framr-4076	825	10	basic	basic	ADJ
framr-4076	825	11	duty	duty	NOUN
framr-4076	825	12	in	in	ADP
framr-4076	825	13	the	the	DET
framr-4076	825	14	quest	quest	NOUN
framr-4076	825	15	of	of	ADP
framr-4076	825	16	a	a	DET
framr-4076	825	17	positive	positive	ADJ
framr-4076	825	18	interaction	interaction	NOUN
framr-4076	825	19	between	between	ADP
framr-4076	825	20	industry	industry	NOUN
framr-4076	825	21	,	,	PUNCT
framr-4076	825	22	society	society	NOUN
framr-4076	825	23	,	,	PUNCT
framr-4076	825	24	and	and	CCONJ
framr-4076	825	25	the	the	DET
framr-4076	825	26	environment	environment	NOUN
framr-4076	825	27	,	,	PUNCT
framr-4076	825	28	not	not	PART
framr-4076	825	29	merely	merely	ADV
framr-4076	825	30	a	a	DET
framr-4076	825	31	desirable	desirable	ADJ
framr-4076	825	32	quality	quality	NOUN
framr-4076	825	33	.	.	PUNCT
framr-4076	826	1	beyond	beyond	ADP
framr-4076	826	2	the	the	DET
framr-4076	826	3	surface	surface	NOUN
framr-4076	826	4	-	-	PUNCT
framr-4076	826	5	level	level	NOUN
framr-4076	826	6	appeal	appeal	NOUN
framr-4076	826	7	of	of	ADP
framr-4076	826	8	greenwashing	greenwashing	NOUN
framr-4076	826	9	,	,	PUNCT
framr-4076	826	10	sustainable	sustainable	ADJ
framr-4076	826	11	development	development	NOUN
framr-4076	826	12	can	can	AUX
framr-4076	826	13	only	only	ADV
framr-4076	826	14	be	be	AUX
framr-4076	826	15	promoted	promote	VERB
framr-4076	826	16	by	by	ADP
framr-4076	826	17	sincere	sincere	ADJ
framr-4076	826	18	dedication	dedication	NOUN
framr-4076	826	19	and	and	CCONJ
framr-4076	826	20	coordinated	coordinated	ADJ
framr-4076	826	21	efforts	effort	NOUN
framr-4076	826	22	.	.	PUNCT
framr-4076	827	1	one	one	NUM
framr-4076	827	2	major	major	ADJ
framr-4076	827	3	problem	problem	NOUN
framr-4076	827	4	that	that	PRON
framr-4076	827	5	has	have	VERB
framr-4076	827	6	an	an	DET
framr-4076	827	7	impact	impact	NOUN
framr-4076	827	8	on	on	ADP
framr-4076	827	9	social	social	ADJ
framr-4076	827	10	,	,	PUNCT
framr-4076	827	11	economic	economic	ADJ
framr-4076	827	12	,	,	PUNCT
framr-4076	827	13	and	and	CCONJ
framr-4076	827	14	environmental	environmental	ADJ
framr-4076	827	15	growth	growth	NOUN
framr-4076	827	16	is	be	AUX
framr-4076	827	17	corporate	corporate	ADJ
framr-4076	827	18	greenwashing	greenwashing	NOUN
framr-4076	827	19	.	.	PUNCT
framr-4076	828	1	it	it	PRON
framr-4076	828	2	entails	entail	VERB
framr-4076	828	3	businesses	business	NOUN
framr-4076	828	4	fabricating	fabricate	VERB
framr-4076	828	5	a	a	DET
framr-4076	828	6	false	false	ADJ
framr-4076	828	7	sense	sense	NOUN
framr-4076	828	8	of	of	ADP
framr-4076	828	9	environmental	environmental	ADJ
framr-4076	828	10	accountability	accountability	NOUN
framr-4076	828	11	,	,	PUNCT
framr-4076	828	12	which	which	PRON
framr-4076	828	13	raises	raise	VERB
framr-4076	828	14	social	social	ADJ
framr-4076	828	15	and	and	CCONJ
framr-4076	828	16	environmental	environmental	ADJ
framr-4076	828	17	dangers	danger	NOUN
framr-4076	828	18	.	.	PUNCT
framr-4076	829	1	in	in	ADP
framr-4076	829	2	order	order	NOUN
framr-4076	829	3	to	to	PART
framr-4076	829	4	tackle	tackle	VERB
framr-4076	829	5	this	this	DET
framr-4076	829	6	problem	problem	NOUN
framr-4076	829	7	,	,	PUNCT
framr-4076	829	8	regulatory	regulatory	ADJ
framr-4076	829	9	solutions	solution	NOUN
framr-4076	829	10	,	,	PUNCT
framr-4076	829	11	accountability	accountability	NOUN
framr-4076	829	12	systems	system	NOUN
framr-4076	829	13	,	,	PUNCT
framr-4076	829	14	and	and	CCONJ
framr-4076	829	15	consumer	consumer	NOUN
framr-4076	829	16	education	education	NOUN
framr-4076	829	17	are	be	AUX
framr-4076	829	18	essential	essential	ADJ
framr-4076	829	19	.	.	PUNCT
framr-4076	830	1	cooperation	cooperation	NOUN
framr-4076	830	2	is	be	AUX
framr-4076	830	3	crucial	crucial	ADJ
framr-4076	830	4	between	between	ADP
framr-4076	830	5	companies	company	NOUN
framr-4076	830	6	,	,	PUNCT
framr-4076	830	7	customers	customer	NOUN
framr-4076	830	8	,	,	PUNCT
framr-4076	830	9	and	and	CCONJ
framr-4076	830	10	authorities	authority	NOUN
framr-4076	830	11	.	.	PUNCT
framr-4076	831	1	funding	funding	NOUN
framr-4076	831	2	:	:	PUNCT
framr-4076	831	3	this	this	DET
framr-4076	831	4	study	study	NOUN
framr-4076	831	5	received	receive	VERB
framr-4076	831	6	no	no	DET
framr-4076	831	7	specific	specific	ADJ
framr-4076	831	8	financial	financial	ADJ
framr-4076	831	9	support	support	NOUN
framr-4076	831	10	.	.	PUNCT
framr-4076	832	1	institutional	institutional	ADJ
framr-4076	832	2	review	review	PROPN
framr-4076	832	3	board	board	NOUN
framr-4076	832	4	statement	statement	NOUN
framr-4076	832	5	:	:	PUNCT
framr-4076	832	6	not	not	PART
framr-4076	832	7	applicable	applicable	ADJ
framr-4076	832	8	.	.	PUNCT
framr-4076	833	1	transparency	transparency	NOUN
framr-4076	833	2	:	:	PUNCT
framr-4076	833	3	the	the	DET
framr-4076	833	4	authors	author	NOUN
framr-4076	833	5	declare	declare	VERB
framr-4076	833	6	that	that	SCONJ
framr-4076	833	7	the	the	DET
framr-4076	833	8	manuscript	manuscript	NOUN
framr-4076	833	9	is	be	AUX
framr-4076	833	10	honest	honest	ADJ
framr-4076	833	11	,	,	PUNCT
framr-4076	833	12	truthful	truthful	ADJ
framr-4076	833	13	and	and	CCONJ
framr-4076	833	14	transparent	transparent	ADJ
framr-4076	833	15	,	,	PUNCT
framr-4076	833	16	that	that	SCONJ
framr-4076	833	17	no	no	DET
framr-4076	833	18	important	important	ADJ
framr-4076	833	19	aspects	aspect	NOUN
framr-4076	833	20	of	of	ADP
framr-4076	833	21	the	the	DET
framr-4076	833	22	study	study	NOUN
framr-4076	833	23	have	have	AUX
framr-4076	833	24	been	be	AUX
framr-4076	833	25	omitted	omit	VERB
framr-4076	833	26	and	and	CCONJ
framr-4076	833	27	that	that	SCONJ
framr-4076	833	28	all	all	DET
framr-4076	833	29	deviations	deviation	NOUN
framr-4076	833	30	from	from	ADP
framr-4076	833	31	the	the	DET
framr-4076	833	32	planned	plan	VERB
framr-4076	833	33	study	study	NOUN
framr-4076	833	34	have	have	AUX
framr-4076	833	35	been	be	AUX
framr-4076	833	36	made	make	VERB
framr-4076	833	37	clear	clear	ADJ
framr-4076	833	38	.	.	PUNCT
framr-4076	834	1	this	this	DET
framr-4076	834	2	study	study	NOUN
framr-4076	834	3	followed	follow	VERB
framr-4076	834	4	all	all	DET
framr-4076	834	5	rules	rule	NOUN
framr-4076	834	6	of	of	ADP
framr-4076	834	7	writing	write	VERB
framr-4076	834	8	ethics	ethic	NOUN
framr-4076	834	9	.	.	PUNCT
framr-4076	835	1	competing	compete	VERB
framr-4076	835	2	interests	interest	NOUN
framr-4076	835	3	:	:	PUNCT
framr-4076	835	4	the	the	DET
framr-4076	835	5	authors	author	NOUN
framr-4076	835	6	declare	declare	VERB
framr-4076	835	7	that	that	SCONJ
framr-4076	835	8	they	they	PRON
framr-4076	835	9	have	have	VERB
framr-4076	835	10	no	no	DET
framr-4076	835	11	competing	compete	VERB
framr-4076	835	12	interests	interest	NOUN
framr-4076	835	13	.	.	PUNCT
framr-4076	836	1	authors	author	NOUN
framr-4076	836	2	’	'	PUNCT
framr-4076	836	3	contributions	contribution	NOUN
framr-4076	836	4	:	:	PUNCT
framr-4076	836	5	all	all	DET
framr-4076	836	6	authors	author	NOUN
framr-4076	836	7	contributed	contribute	VERB
framr-4076	836	8	equally	equally	ADV
framr-4076	836	9	to	to	ADP
framr-4076	836	10	the	the	DET
framr-4076	836	11	conception	conception	NOUN
framr-4076	836	12	and	and	CCONJ
framr-4076	836	13	design	design	NOUN
framr-4076	836	14	of	of	ADP
framr-4076	836	15	the	the	DET
framr-4076	836	16	study	study	NOUN
framr-4076	836	17	.	.	PUNCT
framr-4076	837	1	all	all	DET
framr-4076	837	2	authors	author	NOUN
framr-4076	837	3	have	have	AUX
framr-4076	837	4	read	read	VERB
framr-4076	837	5	and	and	CCONJ
framr-4076	837	6	agreed	agree	VERB
framr-4076	837	7	to	to	ADP
framr-4076	837	8	the	the	DET
framr-4076	837	9	published	publish	VERB
framr-4076	837	10	version	version	NOUN
framr-4076	837	11	of	of	ADP
framr-4076	837	12	the	the	DET
framr-4076	837	13	manuscript	manuscript	NOUN
framr-4076	837	14	.	.	PUNCT
framr-4076	838	1	references	reference	NOUN
framr-4076	838	2	accenture	accenture	NOUN
framr-4076	838	3	.	.	PUNCT
framr-4076	839	1	(	(	PUNCT
framr-4076	839	2	2022	2022	NUM
framr-4076	839	3	)	)	PUNCT
framr-4076	839	4	.	.	PUNCT
framr-4076	840	1	transparency	transparency	NOUN
framr-4076	840	2	and	and	CCONJ
framr-4076	840	3	trust	trust	NOUN
framr-4076	840	4	:	:	PUNCT
framr-4076	840	5	the	the	DET
framr-4076	840	6	new	new	ADJ
framr-4076	840	7	imperatives	imperative	NOUN
framr-4076	840	8	for	for	ADP
framr-4076	840	9	sustainable	sustainable	ADJ
framr-4076	840	10	business	business	NOUN
framr-4076	840	11	.	.	PUNCT
framr-4076	841	1	retrieved	retrieve	VERB
framr-4076	841	2	from	from	ADP
framr-4076	841	3	https://www.accenture.com/sksk/insights/technology/uniting-technology-sustainability	https://www.accenture.com/sksk/insights/technology/uniting-technology-sustainability	PROPN
framr-4076	841	4	accenture	accenture	NOUN
framr-4076	841	5	.	.	PUNCT
framr-4076	842	1	(	(	PUNCT
framr-4076	842	2	2023	2023	NUM
framr-4076	842	3	)	)	PUNCT
framr-4076	842	4	.	.	PUNCT
framr-4076	843	1	insuretech	insuretech	PROPN
framr-4076	843	2	growth	growth	NOUN
framr-4076	843	3	and	and	CCONJ
framr-4076	843	4	trends	trend	NOUN
framr-4076	843	5	.	.	PUNCT
framr-4076	844	1	retrieved	retrieve	VERB
framr-4076	844	2	from	from	ADP
framr-4076	844	3	https://www.accenture.com/ca-en/insights/insurance/insuranceindustry-outlook	https://www.accenture.com/ca-en/insights/insurance/insuranceindustry-outlook	ADJ
framr-4076	844	4	allied	allied	ADJ
framr-4076	844	5	market	market	NOUN
framr-4076	844	6	research	research	NOUN
framr-4076	844	7	.	.	PUNCT
framr-4076	845	1	(	(	PUNCT
framr-4076	845	2	2022	2022	NUM
framr-4076	845	3	)	)	PUNCT
framr-4076	845	4	.	.	PUNCT
framr-4076	846	1	mobile	mobile	ADJ
framr-4076	846	2	payment	payment	NOUN
framr-4076	846	3	market	market	NOUN
framr-4076	846	4	by	by	ADP
framr-4076	846	5	component	component	NOUN
framr-4076	846	6	,	,	PUNCT
framr-4076	846	7	type	type	NOUN
framr-4076	846	8	,	,	PUNCT
framr-4076	846	9	and	and	CCONJ
framr-4076	846	10	region	region	NOUN
framr-4076	846	11	:	:	PUNCT
framr-4076	846	12	global	global	ADJ
framr-4076	846	13	opportunity	opportunity	NOUN
framr-4076	846	14	analysis	analysis	NOUN
framr-4076	846	15	and	and	CCONJ
framr-4076	846	16	industry	industry	NOUN
framr-4076	846	17	forecast	forecast	NOUN
framr-4076	846	18	,	,	PUNCT
framr-4076	846	19	2022	2022	NUM
framr-4076	846	20	–	–	PUNCT
framr-4076	846	21	2030	2030	NUM
framr-4076	846	22	.	.	PUNCT
framr-4076	847	1	retrieved	retrieve	VERB
framr-4076	847	2	from	from	ADP
framr-4076	847	3	https://www.alliedmarketresearch.com/mobile-payments-market	https://www.alliedmarketresearch.com/mobile-payments-market	PROPN
framr-4076	847	4	alzoubi	alzoubi	NOUN
framr-4076	847	5	,	,	PUNCT
framr-4076	847	6	y.	y.	PROPN
framr-4076	847	7	i.	i.	PROPN
framr-4076	847	8	,	,	PUNCT
framr-4076	847	9	&	&	CCONJ
framr-4076	847	10	mishra	mishra	PROPN
framr-4076	847	11	,	,	PUNCT
framr-4076	847	12	a.	a.	NOUN
framr-4076	847	13	(	(	PUNCT
framr-4076	847	14	2023	2023	NUM
framr-4076	847	15	)	)	PUNCT
framr-4076	847	16	.	.	PUNCT
framr-4076	848	1	green	green	PROPN
framr-4076	848	2	blockchain	blockchain	PROPN
framr-4076	848	3	–	–	PUNCT
framr-4076	848	4	a	a	DET
framr-4076	848	5	move	move	NOUN
framr-4076	848	6	towards	towards	ADP
framr-4076	848	7	sustainability	sustainability	NOUN
framr-4076	848	8	.	.	PUNCT
framr-4076	849	1	journal	journal	NOUN
framr-4076	849	2	of	of	ADP
framr-4076	849	3	cleaner	clean	ADJ
framr-4076	849	4	production	production	NOUN
framr-4076	849	5	,	,	PUNCT
framr-4076	849	6	430	430	NUM
framr-4076	849	7	,	,	PUNCT
framr-4076	849	8	139541	139541	NUM
framr-4076	849	9	.	.	PUNCT
framr-4076	850	1	https://doi.org/10.1016/j.jclepro.2023.139541	https://doi.org/10.1016/j.jclepro.2023.139541	PROPN
framr-4076	850	2	au	au	PROPN
framr-4076	850	3	,	,	PUNCT
framr-4076	850	4	c.-d	c.-d	PROPN
framr-4076	850	5	.	.	PUNCT
framr-4076	850	6	,	,	PUNCT
framr-4076	850	7	klingenberger	klingenberger	PROPN
framr-4076	850	8	,	,	PUNCT
framr-4076	850	9	l.	l.	PROPN
framr-4076	850	10	,	,	PUNCT
framr-4076	850	11	svoboda	svoboda	PROPN
framr-4076	850	12	,	,	PUNCT
framr-4076	850	13	m.	m.	NOUN
framr-4076	850	14	,	,	PUNCT
framr-4076	850	15	&	&	CCONJ
framr-4076	850	16	frère	frère	PROPN
framr-4076	850	17	,	,	PUNCT
framr-4076	850	18	e.	e.	PROPN
framr-4076	850	19	(	(	PUNCT
framr-4076	850	20	2021	2021	NUM
framr-4076	850	21	)	)	PUNCT
framr-4076	850	22	.	.	PUNCT
framr-4076	851	1	business	business	NOUN
framr-4076	851	2	model	model	NOUN
framr-4076	851	3	of	of	ADP
framr-4076	851	4	sustainable	sustainable	ADJ
framr-4076	851	5	robo	robo	NOUN
framr-4076	851	6	-	-	PUNCT
framr-4076	851	7	advisors	advisor	NOUN
framr-4076	851	8	:	:	PUNCT
framr-4076	851	9	empirical	empirical	ADJ
framr-4076	851	10	insights	insight	NOUN
framr-4076	851	11	for	for	ADP
framr-4076	851	12	practical	practical	ADJ
framr-4076	851	13	implementation	implementation	NOUN
framr-4076	851	14	.	.	PUNCT
framr-4076	852	1	sustainability	sustainability	NOUN
framr-4076	852	2	,	,	PUNCT
framr-4076	852	3	13(23	13(23	NOUN
framr-4076	852	4	)	)	PUNCT
framr-4076	852	5	,	,	PUNCT
framr-4076	852	6	13009	13009	NUM
framr-4076	852	7	.	.	PUNCT
framr-4076	853	1	https://doi.org/10.3390/su132313009	https://doi.org/10.3390/su132313009	X
framr-4076	854	1	https://www.accenture.com/sk-sk/insights/technology/uniting-technology-sustainability	https://www.accenture.com/sk-sk/insights/technology/uniting-technology-sustainability	PRON
framr-4076	854	2	https://www.accenture.com/sk-sk/insights/technology/uniting-technology-sustainability	https://www.accenture.com/sk-sk/insights/technology/uniting-technology-sustainability	NOUN
framr-4076	854	3	https://www.accenture.com/ca-en/insights/insurance/insurance-industry-outlook	https://www.accenture.com/ca-en/insights/insurance/insurance-industry-outlook	NOUN
framr-4076	854	4	https://www.accenture.com/ca-en/insights/insurance/insurance-industry-outlook	https://www.accenture.com/ca-en/insights/insurance/insurance-industry-outlook	NOUN
framr-4076	854	5	https://www.alliedmarketresearch.com/mobile-payments-market	https://www.alliedmarketresearch.com/mobile-payments-market	PROPN
framr-4076	854	6	https://doi.org/10.1016/j.jclepro.2023.139541	https://doi.org/10.1016/j.jclepro.2023.139541	PROPN
framr-4076	854	7	https://doi.org/10.3390/su132313009	https://doi.org/10.3390/su132313009	PROPN
framr-4076	854	8	financial	financial	ADJ
framr-4076	854	9	risk	risk	NOUN
framr-4076	854	10	and	and	CCONJ
framr-4076	854	11	management	management	NOUN
framr-4076	854	12	reviews	review	NOUN
framr-4076	854	13	,	,	PUNCT
framr-4076	854	14	2025	2025	NUM
framr-4076	854	15	,	,	PUNCT
framr-4076	854	16	11(1	11(1	NUM
framr-4076	854	17	):	):	PUNCT
framr-4076	854	18	37	37	NUM
framr-4076	854	19	-	-	SYM
framr-4076	854	20	71	71	NUM
framr-4076	854	21	67	67	NUM
framr-4076	854	22	©	©	PROPN
framr-4076	854	23	2025	2025	NUM
framr-4076	854	24	conscientia	conscientia	PROPN
framr-4076	854	25	beam	beam	PROPN
framr-4076	854	26	.	.	PUNCT
framr-4076	855	1	all	all	DET
framr-4076	855	2	rights	right	NOUN
framr-4076	855	3	reserved	reserve	VERB
framr-4076	855	4	.	.	PUNCT
framr-4076	856	1	baber	baber	PROPN
framr-4076	856	2	,	,	PUNCT
framr-4076	856	3	h.	h.	PROPN
framr-4076	856	4	,	,	PUNCT
framr-4076	856	5	kaluvilla	kaluvilla	PROPN
framr-4076	856	6	,	,	PUNCT
framr-4076	856	7	b.	b.	PROPN
framr-4076	856	8	b.	b.	PROPN
framr-4076	856	9	,	,	PUNCT
framr-4076	856	10	&	&	CCONJ
framr-4076	856	11	ramkissoon	ramkissoon	PROPN
framr-4076	856	12	,	,	PUNCT
framr-4076	856	13	h.	h.	PROPN
framr-4076	856	14	(	(	PUNCT
framr-4076	856	15	2024	2024	NUM
framr-4076	856	16	)	)	PUNCT
framr-4076	856	17	.	.	PUNCT
framr-4076	857	1	crowdfunding	crowdfunding	NOUN
framr-4076	857	2	and	and	CCONJ
framr-4076	857	3	entrepreneurship	entrepreneurship	NOUN
framr-4076	857	4	in	in	ADP
framr-4076	857	5	tourism	tourism	NOUN
framr-4076	857	6	and	and	CCONJ
framr-4076	857	7	hospitality	hospitality	NOUN
framr-4076	857	8	.	.	PUNCT
framr-4076	858	1	in	in	ADP
framr-4076	858	2	reference	reference	NOUN
framr-4076	858	3	module	module	NOUN
framr-4076	858	4	in	in	ADP
framr-4076	858	5	social	social	ADJ
framr-4076	858	6	sciences	science	NOUN
framr-4076	858	7	(	(	PUNCT
framr-4076	858	8	p.	p.	PROPN
framr-4076	858	9	b9780443137013001894	b9780443137013001894	PROPN
framr-4076	858	10	):	):	PUNCT
framr-4076	858	11	elsevier	elsevier	NOUN
framr-4076	858	12	.	.	PUNCT
framr-4076	859	1	https://doi.org/10.1016/b978-0-443-13701-3.00189-4	https://doi.org/10.1016/b978-0-443-13701-3.00189-4	PROPN
framr-4076	859	2	.	.	PUNCT
framr-4076	859	3	bingaman	bingaman	PROPN
framr-4076	859	4	,	,	PUNCT
framr-4076	859	5	j.	j.	PROPN
framr-4076	859	6	,	,	PUNCT
framr-4076	859	7	kipkoech	kipkoech	PROPN
framr-4076	859	8	,	,	PUNCT
framr-4076	859	9	g.	g.	PROPN
framr-4076	859	10	,	,	PUNCT
framr-4076	859	11	&	&	CCONJ
framr-4076	859	12	crowley	crowley	PROPN
framr-4076	859	13	,	,	PUNCT
framr-4076	859	14	j.	j.	PROPN
framr-4076	859	15	p.	p.	PROPN
framr-4076	859	16	(	(	PUNCT
framr-4076	859	17	2022	2022	NUM
framr-4076	859	18	)	)	PUNCT
framr-4076	859	19	.	.	PUNCT
framr-4076	860	1	inoculation	inoculation	PROPN
framr-4076	860	2	&	&	CCONJ
framr-4076	860	3	greenwashing	greenwashing	NOUN
framr-4076	860	4	:	:	PUNCT
framr-4076	860	5	defending	defend	VERB
framr-4076	860	6	against	against	ADP
framr-4076	860	7	misleading	mislead	VERB
framr-4076	860	8	sustainability	sustainability	NOUN
framr-4076	860	9	messaging	messaging	NOUN
framr-4076	860	10	.	.	PUNCT
framr-4076	861	1	communication	communication	NOUN
framr-4076	861	2	reports	report	NOUN
framr-4076	861	3	,	,	PUNCT
framr-4076	861	4	35(3	35(3	NUM
framr-4076	861	5	)	)	PUNCT
framr-4076	861	6	,	,	PUNCT
framr-4076	861	7	135	135	NUM
framr-4076	861	8	-	-	SYM
framr-4076	861	9	147	147	NUM
framr-4076	861	10	.	.	PUNCT
framr-4076	862	1	https://doi.org/10.1080/08934215.2022.2048877	https://doi.org/10.1080/08934215.2022.2048877	PROPN
framr-4076	862	2	bosch	bosch	PROPN
framr-4076	862	3	,	,	PUNCT
framr-4076	862	4	m.	m.	NOUN
framr-4076	862	5	,	,	PUNCT
framr-4076	862	6	obeso	obeso	NOUN
framr-4076	862	7	,	,	PUNCT
framr-4076	862	8	e.	e.	PROPN
framr-4076	862	9	,	,	PUNCT
framr-4076	862	10	&	&	CCONJ
framr-4076	862	11	palao	palao	PROPN
framr-4076	862	12	,	,	PUNCT
framr-4076	862	13	a.	a.	NOUN
framr-4076	862	14	(	(	PUNCT
framr-4076	862	15	2023	2023	NUM
framr-4076	862	16	)	)	PUNCT
framr-4076	862	17	.	.	PUNCT
framr-4076	863	1	greenwashing	greenwashe	VERB
framr-4076	863	2	in	in	ADP
framr-4076	863	3	the	the	DET
framr-4076	863	4	fast	fast	ADJ
framr-4076	863	5	fashion	fashion	NOUN
framr-4076	863	6	industry	industry	NOUN
framr-4076	863	7	:	:	PUNCT
framr-4076	863	8	greenwashing	greenwashe	VERB
framr-4076	863	9	in	in	ADP
framr-4076	863	10	the	the	DET
framr-4076	863	11	fast	fast	ADJ
framr-4076	863	12	fashion	fashion	NOUN
framr-4076	863	13	industry	industry	NOUN
framr-4076	863	14	:	:	PUNCT
framr-4076	863	15	the	the	DET
framr-4076	863	16	role	role	NOUN
framr-4076	863	17	of	of	ADP
framr-4076	863	18	consumer	consumer	NOUN
framr-4076	863	19	education	education	NOUN
framr-4076	863	20	.	.	PUNCT
framr-4076	864	1	cambridge	cambridge	PROPN
framr-4076	864	2	centre	centre	PROPN
framr-4076	864	3	for	for	ADP
framr-4076	864	4	alternative	alternative	ADJ
framr-4076	864	5	finance	finance	NOUN
framr-4076	864	6	.	.	PUNCT
framr-4076	865	1	(	(	PUNCT
framr-4076	865	2	2022	2022	NUM
framr-4076	865	3	)	)	PUNCT
framr-4076	865	4	.	.	PUNCT
framr-4076	866	1	the	the	DET
framr-4076	866	2	global	global	ADJ
framr-4076	866	3	crowdfunding	crowdfunding	NOUN
framr-4076	866	4	market	market	NOUN
framr-4076	866	5	report	report	NOUN
framr-4076	866	6	.	.	PUNCT
framr-4076	867	1	retrieved	retrieve	VERB
framr-4076	867	2	from	from	ADP
framr-4076	867	3	https://www.jbs.cam.ac.uk/faculty-research/centres/alternative-finance/	https://www.jbs.cam.ac.uk/faculty-research/centres/alternative-finance/	PROPN
framr-4076	867	4	carlson	carlson	PROPN
framr-4076	867	5	,	,	PUNCT
framr-4076	867	6	l.	l.	PROPN
framr-4076	867	7	,	,	PUNCT
framr-4076	867	8	grove	grove	PROPN
framr-4076	867	9	,	,	PUNCT
framr-4076	867	10	s.	s.	PROPN
framr-4076	867	11	j.	j.	PROPN
framr-4076	867	12	,	,	PUNCT
framr-4076	867	13	&	&	CCONJ
framr-4076	867	14	kangun	kangun	PROPN
framr-4076	867	15	,	,	PUNCT
framr-4076	867	16	n.	n.	NOUN
framr-4076	867	17	(	(	PUNCT
framr-4076	867	18	1993	1993	NUM
framr-4076	867	19	)	)	PUNCT
framr-4076	867	20	.	.	PUNCT
framr-4076	868	1	a	a	DET
framr-4076	868	2	content	content	NOUN
framr-4076	868	3	analysis	analysis	NOUN
framr-4076	868	4	of	of	ADP
framr-4076	868	5	environmental	environmental	ADJ
framr-4076	868	6	advertising	advertising	NOUN
framr-4076	868	7	claims	claim	NOUN
framr-4076	868	8	:	:	PUNCT
framr-4076	868	9	a	a	DET
framr-4076	868	10	matrix	matrix	NOUN
framr-4076	868	11	method	method	NOUN
framr-4076	868	12	approach	approach	NOUN
framr-4076	868	13	.	.	PUNCT
framr-4076	869	1	journal	journal	NOUN
framr-4076	869	2	of	of	ADP
framr-4076	869	3	advertising	advertising	NOUN
framr-4076	869	4	,	,	PUNCT
framr-4076	869	5	22(3	22(3	NUM
framr-4076	869	6	)	)	PUNCT
framr-4076	869	7	,	,	PUNCT
framr-4076	869	8	27	27	NUM
framr-4076	869	9	-	-	SYM
framr-4076	869	10	39	39	NUM
framr-4076	869	11	.	.	PUNCT
framr-4076	869	12	https://doi.org/10.1080/00913367.1993.10673409	https://doi.org/10.1080/00913367.1993.10673409	PUNCT
framr-4076	870	1	castilla	castilla	NOUN
framr-4076	870	2	-	-	PUNCT
framr-4076	870	3	rubio	rubio	NOUN
framr-4076	870	4	,	,	PUNCT
framr-4076	870	5	j.	j.	PROPN
framr-4076	870	6	c.	c.	PROPN
framr-4076	870	7	,	,	PUNCT
framr-4076	870	8	robins	robin	NOUN
framr-4076	870	9	,	,	PUNCT
framr-4076	870	10	n.	n.	NOUN
framr-4076	870	11	,	,	PUNCT
framr-4076	870	12	&	&	CCONJ
framr-4076	870	13	zadek	zadek	PROPN
framr-4076	870	14	,	,	PUNCT
framr-4076	870	15	s.	s.	PROPN
framr-4076	870	16	(	(	PUNCT
framr-4076	870	17	2016	2016	NUM
framr-4076	870	18	)	)	PUNCT
framr-4076	870	19	.	.	PUNCT
framr-4076	871	1	fintech	fintech	NOUN
framr-4076	871	2	and	and	CCONJ
framr-4076	871	3	sustainable	sustainable	ADJ
framr-4076	871	4	development	development	NOUN
framr-4076	871	5	:	:	PUNCT
framr-4076	871	6	assessing	assess	VERB
framr-4076	871	7	the	the	DET
framr-4076	871	8	implications	implication	NOUN
framr-4076	871	9	.	.	PUNCT
framr-4076	872	1	retrieved	retrieve	VERB
framr-4076	872	2	from	from	ADP
framr-4076	872	3	http://unepinquiry.org/wpcontent/uploads/2016/12/fintech_and_sustainable_development_assessing_the_implications.pdf	http://unepinquiry.org/wpcontent/uploads/2016/12/fintech_and_sustainable_development_assessing_the_implications.pdf	PROPN
framr-4076	872	4	chen	chen	PROPN
framr-4076	872	5	,	,	PUNCT
framr-4076	872	6	j.	j.	PROPN
framr-4076	872	7	,	,	PUNCT
framr-4076	872	8	siddik	siddik	PROPN
framr-4076	872	9	,	,	PUNCT
framr-4076	872	10	a.	a.	PROPN
framr-4076	872	11	b.	b.	PROPN
framr-4076	872	12	,	,	PUNCT
framr-4076	872	13	zheng	zheng	PROPN
framr-4076	872	14	,	,	PUNCT
framr-4076	872	15	g.-w	g.-w	PROPN
framr-4076	872	16	.	.	PROPN
framr-4076	872	17	,	,	PUNCT
framr-4076	872	18	masukujjaman	masukujjaman	NOUN
framr-4076	872	19	,	,	PUNCT
framr-4076	872	20	m.	m.	NOUN
framr-4076	872	21	,	,	PUNCT
framr-4076	872	22	&	&	CCONJ
framr-4076	872	23	bekhzod	bekhzod	PROPN
framr-4076	872	24	,	,	PUNCT
framr-4076	872	25	s.	s.	PROPN
framr-4076	872	26	(	(	PUNCT
framr-4076	872	27	2022	2022	NUM
framr-4076	872	28	)	)	PUNCT
framr-4076	872	29	.	.	PUNCT
framr-4076	873	1	the	the	DET
framr-4076	873	2	effect	effect	NOUN
framr-4076	873	3	of	of	ADP
framr-4076	873	4	green	green	ADJ
framr-4076	873	5	banking	banking	NOUN
framr-4076	873	6	practices	practice	NOUN
framr-4076	873	7	on	on	ADP
framr-4076	873	8	banks	bank	NOUN
framr-4076	873	9	’	'	PUNCT
framr-4076	873	10	environmental	environmental	ADJ
framr-4076	873	11	performance	performance	NOUN
framr-4076	873	12	and	and	CCONJ
framr-4076	873	13	green	green	ADJ
framr-4076	873	14	financing	financing	NOUN
framr-4076	873	15	:	:	PUNCT
framr-4076	873	16	an	an	DET
framr-4076	873	17	empirical	empirical	ADJ
framr-4076	873	18	study	study	NOUN
framr-4076	873	19	.	.	PUNCT
framr-4076	874	1	energies	energy	NOUN
framr-4076	874	2	,	,	PUNCT
framr-4076	874	3	15(4	15(4	NUM
framr-4076	874	4	)	)	PUNCT
framr-4076	874	5	,	,	PUNCT
framr-4076	874	6	1292	1292	NUM
framr-4076	874	7	.	.	PUNCT
framr-4076	875	1	https://doi.org/10.3390/en15041292	https://doi.org/10.3390/en15041292	ADP
framr-4076	875	2	cherry	cherry	NOUN
framr-4076	875	3	,	,	PUNCT
framr-4076	875	4	m.	m.	NOUN
framr-4076	875	5	a.	a.	NOUN
framr-4076	875	6	(	(	PUNCT
framr-4076	875	7	2013	2013	NUM
framr-4076	875	8	)	)	PUNCT
framr-4076	875	9	.	.	PUNCT
framr-4076	876	1	the	the	DET
framr-4076	876	2	law	law	NOUN
framr-4076	876	3	and	and	CCONJ
framr-4076	876	4	economics	economic	NOUN
framr-4076	876	5	of	of	ADP
framr-4076	876	6	corporate	corporate	ADJ
framr-4076	876	7	social	social	ADJ
framr-4076	876	8	responsibility	responsibility	NOUN
framr-4076	876	9	and	and	CCONJ
framr-4076	876	10	greenwashing	greenwashing	NOUN
framr-4076	876	11	.	.	PUNCT
framr-4076	877	1	uc	uc	PROPN
framr-4076	877	2	davis	davis	PROPN
framr-4076	877	3	bus	bus	PROPN
framr-4076	877	4	.	.	PUNCT
framr-4076	878	1	lj	lj	PROPN
framr-4076	878	2	,	,	PUNCT
framr-4076	878	3	14	14	NUM
framr-4076	878	4	,	,	PUNCT
framr-4076	878	5	281	281	NUM
framr-4076	878	6	.	.	PUNCT
framr-4076	879	1	chueca	chueca	PROPN
framr-4076	879	2	vergara	vergara	PROPN
framr-4076	879	3	,	,	PUNCT
framr-4076	879	4	c.	c.	PROPN
framr-4076	879	5	,	,	PUNCT
framr-4076	879	6	&	&	CCONJ
framr-4076	879	7	ferruz	ferruz	PROPN
framr-4076	879	8	agudo	agudo	PROPN
framr-4076	879	9	,	,	PUNCT
framr-4076	879	10	l.	l.	PROPN
framr-4076	879	11	(	(	PUNCT
framr-4076	879	12	2021	2021	NUM
framr-4076	879	13	)	)	PUNCT
framr-4076	879	14	.	.	PUNCT
framr-4076	880	1	fintech	fintech	NOUN
framr-4076	880	2	and	and	CCONJ
framr-4076	880	3	sustainability	sustainability	NOUN
framr-4076	880	4	:	:	PUNCT
framr-4076	880	5	do	do	AUX
framr-4076	880	6	they	they	PRON
framr-4076	880	7	affect	affect	VERB
framr-4076	880	8	each	each	DET
framr-4076	880	9	other	other	ADJ
framr-4076	880	10	?	?	PUNCT
framr-4076	881	1	sustainability	sustainability	NOUN
framr-4076	881	2	,	,	PUNCT
framr-4076	881	3	13(13	13(13	NUM
framr-4076	881	4	)	)	PUNCT
framr-4076	881	5	,	,	PUNCT
framr-4076	881	6	7012	7012	NUM
framr-4076	881	7	.	.	PUNCT
framr-4076	882	1	https://doi.org/10.3390/su13137012	https://doi.org/10.3390/su13137012	NOUN
framr-4076	882	2	clientearth	clientearth	NOUN
framr-4076	882	3	communications	communication	NOUN
framr-4076	882	4	.	.	PUNCT
framr-4076	883	1	(	(	PUNCT
framr-4076	883	2	2021	2021	NUM
framr-4076	883	3	)	)	PUNCT
framr-4076	883	4	.	.	PUNCT
framr-4076	884	1	how	how	SCONJ
framr-4076	884	2	to	to	PART
framr-4076	884	3	spot	spot	VERB
framr-4076	884	4	fossil	fossil	NOUN
framr-4076	884	5	fuel	fuel	NOUN
framr-4076	884	6	greenwashing	greenwashing	NOUN
framr-4076	884	7	.	.	PUNCT
framr-4076	885	1	clientearth	clientearth	NOUN
framr-4076	885	2	.	.	PUNCT
framr-4076	885	3	retrieved	retrieve	VERB
framr-4076	885	4	from	from	ADP
framr-4076	885	5	https://www.clientearth.org/latest/latest-updates/stories/how-to-spot-fossil-fuel-greenwashing/	https://www.clientearth.org/latest/latest-updates/stories/how-to-spot-fossil-fuel-greenwashing/	ADJ
framr-4076	885	6	climate	climate	NOUN
framr-4076	885	7	bonds	bond	NOUN
framr-4076	885	8	initiative	initiative	NOUN
framr-4076	885	9	.	.	PUNCT
framr-4076	886	1	(	(	PUNCT
framr-4076	886	2	2022	2022	NUM
framr-4076	886	3	)	)	PUNCT
framr-4076	886	4	.	.	PUNCT
framr-4076	887	1	green	green	ADJ
framr-4076	887	2	bond	bond	NOUN
framr-4076	887	3	market	market	NOUN
framr-4076	887	4	summary	summary	NOUN
framr-4076	887	5	q4	q4	PROPN
framr-4076	887	6	2021	2021	NUM
framr-4076	887	7	.	.	PUNCT
framr-4076	888	1	retrieved	retrieve	VERB
framr-4076	888	2	from	from	ADP
framr-4076	888	3	https://www.climatebonds.net/resources/reports/green-bond-market-summary-q4-2021	https://www.climatebonds.net/resources/reports/green-bond-market-summary-q4-2021	PROPN
framr-4076	888	4	connelly	connelly	PROPN
framr-4076	888	5	,	,	PUNCT
framr-4076	888	6	b.	b.	PROPN
framr-4076	888	7	l.	l.	PROPN
framr-4076	888	8	,	,	PUNCT
framr-4076	888	9	certo	certo	PROPN
framr-4076	888	10	,	,	PUNCT
framr-4076	888	11	s.	s.	PROPN
framr-4076	888	12	t.	t.	PROPN
framr-4076	888	13	,	,	PUNCT
framr-4076	888	14	ireland	ireland	PROPN
framr-4076	888	15	,	,	PUNCT
framr-4076	888	16	r.	r.	PROPN
framr-4076	888	17	d.	d.	PROPN
framr-4076	888	18	,	,	PUNCT
framr-4076	888	19	&	&	CCONJ
framr-4076	888	20	reutzel	reutzel	PROPN
framr-4076	888	21	,	,	PUNCT
framr-4076	888	22	c.	c.	PROPN
framr-4076	888	23	r.	r.	PROPN
framr-4076	888	24	(	(	PUNCT
framr-4076	888	25	2011	2011	NUM
framr-4076	888	26	)	)	PUNCT
framr-4076	888	27	.	.	PUNCT
framr-4076	889	1	signaling	signal	VERB
framr-4076	889	2	theory	theory	NOUN
framr-4076	889	3	:	:	PUNCT
framr-4076	889	4	a	a	DET
framr-4076	889	5	review	review	NOUN
framr-4076	889	6	and	and	CCONJ
framr-4076	889	7	assessment	assessment	NOUN
framr-4076	889	8	.	.	PUNCT
framr-4076	890	1	journal	journal	NOUN
framr-4076	890	2	of	of	ADP
framr-4076	890	3	management	management	NOUN
framr-4076	890	4	,	,	PUNCT
framr-4076	890	5	37(1	37(1	NUM
framr-4076	890	6	)	)	PUNCT
framr-4076	890	7	,	,	PUNCT
framr-4076	890	8	39	39	NUM
framr-4076	890	9	-	-	SYM
framr-4076	890	10	67	67	NUM
framr-4076	890	11	.	.	PUNCT
framr-4076	891	1	https://doi.org/10.1177/0149206310388419	https://doi.org/10.1177/0149206310388419	PRON
framr-4076	891	2	cooper	cooper	PROPN
framr-4076	891	3	,	,	PUNCT
framr-4076	891	4	s.	s.	PROPN
framr-4076	891	5	a.	a.	PROPN
framr-4076	891	6	,	,	PUNCT
framr-4076	891	7	raman	raman	NOUN
framr-4076	891	8	,	,	PUNCT
framr-4076	891	9	k.	k.	PROPN
framr-4076	891	10	,	,	PUNCT
framr-4076	891	11	&	&	CCONJ
framr-4076	891	12	yin	yin	PROPN
framr-4076	891	13	,	,	PUNCT
framr-4076	891	14	j.	j.	PROPN
framr-4076	891	15	(	(	PUNCT
framr-4076	891	16	2018	2018	NUM
framr-4076	891	17	)	)	PUNCT
framr-4076	891	18	.	.	PUNCT
framr-4076	892	1	halo	halo	NOUN
framr-4076	892	2	effect	effect	NOUN
framr-4076	892	3	or	or	CCONJ
framr-4076	892	4	fallen	fall	VERB
framr-4076	892	5	angel	angel	NOUN
framr-4076	892	6	effect	effect	NOUN
framr-4076	892	7	?	?	PUNCT
framr-4076	893	1	firm	firm	ADJ
framr-4076	893	2	value	value	NOUN
framr-4076	893	3	consequences	consequence	NOUN
framr-4076	893	4	of	of	ADP
framr-4076	893	5	greenhouse	greenhouse	NOUN
framr-4076	893	6	gas	gas	NOUN
framr-4076	893	7	emissions	emission	NOUN
framr-4076	893	8	and	and	CCONJ
framr-4076	893	9	reputation	reputation	NOUN
framr-4076	893	10	for	for	ADP
framr-4076	893	11	corporate	corporate	ADJ
framr-4076	893	12	social	social	ADJ
framr-4076	893	13	responsibility	responsibility	NOUN
framr-4076	893	14	.	.	PUNCT
framr-4076	894	1	journal	journal	NOUN
framr-4076	894	2	of	of	ADP
framr-4076	894	3	accounting	accounting	NOUN
framr-4076	894	4	and	and	CCONJ
framr-4076	894	5	public	public	ADJ
framr-4076	894	6	policy	policy	NOUN
framr-4076	894	7	,	,	PUNCT
framr-4076	894	8	37(3	37(3	NUM
framr-4076	894	9	)	)	PUNCT
framr-4076	894	10	,	,	PUNCT
framr-4076	894	11	226	226	NUM
framr-4076	894	12	-	-	SYM
framr-4076	894	13	240	240	NUM
framr-4076	894	14	.	.	PUNCT
framr-4076	895	1	https://doi.org/10.1016/j.jaccpubpol.2018.04.003	https://doi.org/10.1016/j.jaccpubpol.2018.04.003	NUM
framr-4076	895	2	dahl	dahl	PROPN
framr-4076	895	3	,	,	PUNCT
framr-4076	895	4	r.	r.	PROPN
framr-4076	895	5	(	(	PUNCT
framr-4076	895	6	2010	2010	NUM
framr-4076	895	7	)	)	PUNCT
framr-4076	895	8	.	.	PUNCT
framr-4076	896	1	green	green	ADJ
framr-4076	896	2	washing	washing	NOUN
framr-4076	896	3	:	:	PUNCT
framr-4076	896	4	do	do	AUX
framr-4076	896	5	you	you	PRON
framr-4076	896	6	know	know	VERB
framr-4076	896	7	what	what	PRON
framr-4076	896	8	you	you	PRON
framr-4076	896	9	’re	’re	AUX
framr-4076	896	10	buying	buy	VERB
framr-4076	896	11	?	?	PUNCT
framr-4076	897	1	environmental	environmental	ADJ
framr-4076	897	2	health	health	NOUN
framr-4076	897	3	perspectives	perspective	NOUN
framr-4076	897	4	,	,	PUNCT
framr-4076	897	5	118(6	118(6	NUM
framr-4076	897	6	)	)	PUNCT
framr-4076	897	7	,	,	PUNCT
framr-4076	897	8	a246	a246	PROPN
framr-4076	897	9	a252	a252	PROPN
framr-4076	897	10	.	.	PUNCT
framr-4076	898	1	https://doi.org/10.1289/ehp.118-a246	https://doi.org/10.1289/ehp.118-a246	PROPN
framr-4076	898	2	de	de	PROPN
framr-4076	898	3	freitas	freitas	PROPN
framr-4076	898	4	netto	netto	PROPN
framr-4076	898	5	,	,	PUNCT
framr-4076	898	6	s.	s.	PROPN
framr-4076	898	7	v.	v.	PROPN
framr-4076	898	8	,	,	PUNCT
framr-4076	898	9	sobral	sobral	NOUN
framr-4076	898	10	,	,	PUNCT
framr-4076	898	11	m.	m.	PROPN
framr-4076	898	12	f.	f.	PROPN
framr-4076	898	13	f.	f.	PROPN
framr-4076	898	14	,	,	PUNCT
framr-4076	898	15	ribeiro	ribeiro	PROPN
framr-4076	898	16	,	,	PUNCT
framr-4076	898	17	a.	a.	PROPN
framr-4076	898	18	r.	r.	PROPN
framr-4076	898	19	b.	b.	PROPN
framr-4076	898	20	,	,	PUNCT
framr-4076	898	21	&	&	CCONJ
framr-4076	898	22	soares	soares	PROPN
framr-4076	898	23	,	,	PUNCT
framr-4076	898	24	g.	g.	PROPN
framr-4076	898	25	r.	r.	PROPN
framr-4076	898	26	d.	d.	PROPN
framr-4076	898	27	l.	l.	PROPN
framr-4076	898	28	(	(	PUNCT
framr-4076	898	29	2020	2020	NUM
framr-4076	898	30	)	)	PUNCT
framr-4076	898	31	.	.	PUNCT
framr-4076	899	1	concepts	concept	NOUN
framr-4076	899	2	and	and	CCONJ
framr-4076	899	3	forms	form	NOUN
framr-4076	899	4	of	of	ADP
framr-4076	899	5	greenwashing	greenwashing	NOUN
framr-4076	899	6	:	:	PUNCT
framr-4076	899	7	a	a	DET
framr-4076	899	8	systematic	systematic	ADJ
framr-4076	899	9	review	review	NOUN
framr-4076	899	10	.	.	PUNCT
framr-4076	900	1	environmental	environmental	PROPN
framr-4076	900	2	sciences	sciences	PROPN
framr-4076	900	3	europe	europe	PROPN
framr-4076	900	4	,	,	PUNCT
framr-4076	900	5	32	32	NUM
framr-4076	900	6	,	,	PUNCT
framr-4076	900	7	1	1	NUM
framr-4076	900	8	-	-	SYM
framr-4076	900	9	12	12	NUM
framr-4076	900	10	.	.	PUNCT
framr-4076	901	1	https://doi.org/10.1186/s12302-020-0300-3	https://doi.org/10.1186/s12302-020-0300-3	NUM
framr-4076	901	2	de	de	PROPN
framr-4076	901	3	lucena	lucena	PROPN
framr-4076	901	4	barreiro	barreiro	PROPN
framr-4076	901	5	,	,	PUNCT
framr-4076	901	6	t.	t.	PROPN
framr-4076	901	7	c.	c.	PROPN
framr-4076	901	8	(	(	PUNCT
framr-4076	901	9	2023	2023	NUM
framr-4076	901	10	)	)	PUNCT
framr-4076	901	11	.	.	PUNCT
framr-4076	902	1	an	an	DET
framr-4076	902	2	analysis	analysis	NOUN
framr-4076	902	3	of	of	ADP
framr-4076	902	4	the	the	DET
framr-4076	902	5	green	green	ADJ
framr-4076	902	6	bond	bond	PROPN
framr-4076	902	7	regulatory	regulatory	ADJ
framr-4076	902	8	landscape	landscape	NOUN
framr-4076	902	9	:	:	PUNCT
framr-4076	902	10	opportunities	opportunity	NOUN
framr-4076	902	11	and	and	CCONJ
framr-4076	902	12	outlook	outlook	NOUN
framr-4076	902	13	.	.	PUNCT
framr-4076	903	1	delmas	delmas	PROPN
framr-4076	903	2	,	,	PUNCT
framr-4076	903	3	m.	m.	NOUN
framr-4076	903	4	a.	a.	PROPN
framr-4076	903	5	,	,	PUNCT
framr-4076	903	6	&	&	CCONJ
framr-4076	903	7	burbano	burbano	PROPN
framr-4076	903	8	,	,	PUNCT
framr-4076	903	9	v.	v.	PROPN
framr-4076	903	10	c.	c.	PROPN
framr-4076	903	11	(	(	PUNCT
framr-4076	903	12	2011	2011	NUM
framr-4076	903	13	)	)	PUNCT
framr-4076	903	14	.	.	PUNCT
framr-4076	904	1	the	the	DET
framr-4076	904	2	drivers	driver	NOUN
framr-4076	904	3	of	of	ADP
framr-4076	904	4	greenwashing	greenwashing	NOUN
framr-4076	904	5	.	.	PUNCT
framr-4076	905	1	california	california	PROPN
framr-4076	905	2	management	management	PROPN
framr-4076	905	3	review	review	PROPN
framr-4076	905	4	,	,	PUNCT
framr-4076	905	5	54(1	54(1	NUM
framr-4076	905	6	)	)	PUNCT
framr-4076	905	7	,	,	PUNCT
framr-4076	905	8	64	64	NUM
framr-4076	905	9	-	-	SYM
framr-4076	905	10	87	87	NUM
framr-4076	905	11	.	.	PUNCT
framr-4076	906	1	https://doi.org/10.1525/cmr.2011.54.1.64	https://doi.org/10.1525/cmr.2011.54.1.64	PROPN
framr-4076	906	2	deloitte	deloitte	PROPN
framr-4076	906	3	.	.	PUNCT
framr-4076	907	1	(	(	PUNCT
framr-4076	907	2	2021	2021	NUM
framr-4076	907	3	)	)	PUNCT
framr-4076	907	4	.	.	PUNCT
framr-4076	908	1	millennials	millennial	NOUN
framr-4076	908	2	and	and	CCONJ
framr-4076	908	3	gen	gen	PROPN
framr-4076	908	4	zs	zs	PROPN
framr-4076	908	5	hold	hold	VERB
framr-4076	908	6	the	the	DET
framr-4076	908	7	key	key	NOUN
framr-4076	908	8	to	to	ADP
framr-4076	908	9	the	the	DET
framr-4076	908	10	future	future	NOUN
framr-4076	908	11	of	of	ADP
framr-4076	908	12	work	work	NOUN
framr-4076	908	13	.	.	PUNCT
framr-4076	909	1	retrieved	retrieve	VERB
framr-4076	909	2	from	from	ADP
framr-4076	909	3	https://www.deloitte.com/middle-east/en.html	https://www.deloitte.com/middle-east/en.html	PROPN
framr-4076	909	4	deng	deng	PROPN
framr-4076	909	5	,	,	PUNCT
framr-4076	909	6	x.	x.	PROPN
framr-4076	909	7	,	,	PUNCT
framr-4076	909	8	huang	huang	PROPN
framr-4076	909	9	,	,	PUNCT
framr-4076	909	10	z.	z.	PROPN
framr-4076	909	11	,	,	PUNCT
framr-4076	909	12	&	&	CCONJ
framr-4076	909	13	cheng	cheng	PROPN
framr-4076	909	14	,	,	PUNCT
framr-4076	909	15	x.	x.	NOUN
framr-4076	909	16	(	(	PUNCT
framr-4076	909	17	2019	2019	NUM
framr-4076	909	18	)	)	PUNCT
framr-4076	909	19	.	.	PUNCT
framr-4076	910	1	fintech	fintech	NOUN
framr-4076	910	2	and	and	CCONJ
framr-4076	910	3	sustainable	sustainable	ADJ
framr-4076	910	4	development	development	NOUN
framr-4076	910	5	:	:	PUNCT
framr-4076	910	6	evidence	evidence	NOUN
framr-4076	910	7	from	from	ADP
framr-4076	910	8	china	china	PROPN
framr-4076	910	9	based	base	VERB
framr-4076	910	10	on	on	ADP
framr-4076	910	11	p2p	p2p	NOUN
framr-4076	910	12	data	datum	NOUN
framr-4076	910	13	.	.	PUNCT
framr-4076	911	1	sustainability	sustainability	NOUN
framr-4076	911	2	,	,	PUNCT
framr-4076	911	3	11(22	11(22	PROPN
framr-4076	911	4	)	)	PUNCT
framr-4076	911	5	,	,	PUNCT
framr-4076	911	6	6434	6434	NUM
framr-4076	911	7	.	.	PUNCT
framr-4076	912	1	https://doi.org/10.3390/su11226434	https://doi.org/10.3390/su11226434	PROPN
framr-4076	912	2	dwivedi	dwivedi	PROPN
framr-4076	912	3	,	,	PUNCT
framr-4076	912	4	p.	p.	PROPN
framr-4076	912	5	,	,	PUNCT
framr-4076	912	6	alabdooli	alabdooli	PROPN
framr-4076	912	7	,	,	PUNCT
framr-4076	912	8	j.	j.	PROPN
framr-4076	912	9	i.	i.	PROPN
framr-4076	912	10	,	,	PUNCT
framr-4076	912	11	&	&	CCONJ
framr-4076	912	12	dwivedi	dwivedi	PROPN
framr-4076	912	13	,	,	PUNCT
framr-4076	912	14	r.	r.	PROPN
framr-4076	912	15	(	(	PUNCT
framr-4076	912	16	2021	2021	NUM
framr-4076	912	17	)	)	PUNCT
framr-4076	912	18	.	.	PUNCT
framr-4076	913	1	role	role	NOUN
framr-4076	913	2	of	of	ADP
framr-4076	913	3	fintech	fintech	NOUN
framr-4076	913	4	adoption	adoption	NOUN
framr-4076	913	5	for	for	ADP
framr-4076	913	6	competitiveness	competitiveness	NOUN
framr-4076	913	7	and	and	CCONJ
framr-4076	913	8	performance	performance	NOUN
framr-4076	913	9	of	of	ADP
framr-4076	913	10	the	the	DET
framr-4076	913	11	bank	bank	NOUN
framr-4076	913	12	:	:	PUNCT
framr-4076	913	13	a	a	DET
framr-4076	913	14	study	study	NOUN
framr-4076	913	15	of	of	ADP
framr-4076	913	16	banking	banking	NOUN
framr-4076	913	17	industry	industry	NOUN
framr-4076	913	18	in	in	ADP
framr-4076	913	19	uae	uae	PROPN
framr-4076	913	20	.	.	PUNCT
framr-4076	914	1	international	international	PROPN
framr-4076	914	2	journal	journal	PROPN
framr-4076	914	3	of	of	ADP
framr-4076	914	4	global	global	ADJ
framr-4076	914	5	business	business	NOUN
framr-4076	914	6	and	and	CCONJ
framr-4076	914	7	competitiveness	competitiveness	NOUN
framr-4076	914	8	,	,	PUNCT
framr-4076	914	9	16(2	16(2	NUM
framr-4076	914	10	)	)	PUNCT
framr-4076	914	11	,	,	PUNCT
framr-4076	914	12	130	130	NUM
framr-4076	914	13	-	-	SYM
framr-4076	914	14	138	138	NUM
framr-4076	914	15	.	.	PUNCT
framr-4076	915	1	https://doi.org/10.1007/s42943-021-00033-9	https://doi.org/10.1007/s42943-021-00033-9	NUM
framr-4076	915	2	european	european	PROPN
framr-4076	915	3	commission	commission	PROPN
framr-4076	915	4	.	.	PUNCT
framr-4076	916	1	(	(	PUNCT
framr-4076	916	2	2021	2021	NUM
framr-4076	916	3	)	)	PUNCT
framr-4076	916	4	.	.	PUNCT
framr-4076	917	1	sustainable	sustainable	ADJ
framr-4076	917	2	finance	finance	NOUN
framr-4076	917	3	disclosure	disclosure	NOUN
framr-4076	917	4	regulation	regulation	NOUN
framr-4076	917	5	(	(	PUNCT
framr-4076	917	6	sfdr	sfdr	NOUN
framr-4076	917	7	)	)	PUNCT
framr-4076	917	8	.	.	PUNCT
framr-4076	918	1	retrieved	retrieve	VERB
framr-4076	918	2	from	from	ADP
framr-4076	918	3	https://finance.ec.europa.eu/sustainablefinance/disclosures/sustainability-related-disclosure-financial-services-sector_en	https://finance.ec.europa.eu/sustainablefinance/disclosures/sustainability-related-disclosure-financial-services-sector_en	PROPN
framr-4076	918	4	feng	feng	PROPN
framr-4076	918	5	,	,	PUNCT
framr-4076	918	6	l.	l.	PROPN
framr-4076	918	7	(	(	PUNCT
framr-4076	918	8	2020	2020	NUM
framr-4076	918	9	)	)	PUNCT
framr-4076	918	10	.	.	PUNCT
framr-4076	919	1	alipay	alipay	PROPN
framr-4076	919	2	and	and	CCONJ
framr-4076	919	3	wechat	wechat	PROPN
framr-4076	919	4	pay	pay	VERB
framr-4076	919	5	comparative	comparative	ADJ
framr-4076	919	6	study	study	NOUN
framr-4076	919	7	in	in	ADP
framr-4076	919	8	bangkok	bangkok	PROPN
framr-4076	919	9	.	.	PUNCT
framr-4076	920	1	doctoral	doctoral	ADJ
framr-4076	920	2	dissertation	dissertation	NOUN
framr-4076	920	3	,	,	PUNCT
framr-4076	920	4	ma	ma	PROPN
framr-4076	920	5	thesis	thesis	NOUN
framr-4076	920	6	,	,	PUNCT
framr-4076	920	7	siam	siam	PROPN
framr-4076	920	8	university	university	PROPN
framr-4076	920	9	,	,	PUNCT
framr-4076	920	10	thailand	thailand	PROPN
framr-4076	920	11	.	.	PUNCT
framr-4076	921	1	https://doi.org/10.1016/b978-0-443-13701-3.00189-4	https://doi.org/10.1016/b978-0-443-13701-3.00189-4	PROPN
framr-4076	921	2	https://doi.org/10.1080/08934215.2022.2048877	https://doi.org/10.1080/08934215.2022.2048877	PROPN
framr-4076	921	3	https://www.jbs.cam.ac.uk/faculty-research/centres/alternative-finance/	https://www.jbs.cam.ac.uk/faculty-research/centres/alternative-finance/	X
framr-4076	921	4	https://doi.org/10.1080/00913367.1993.10673409	https://doi.org/10.1080/00913367.1993.10673409	PUNCT
framr-4076	921	5	http://unepinquiry.org/wp-content/uploads/2016/12/fintech_and_sustainable_development_assessing_the_implications.pdf	http://unepinquiry.org/wp-content/uploads/2016/12/fintech_and_sustainable_development_assessing_the_implications.pdf	X
framr-4076	921	6	http://unepinquiry.org/wp-content/uploads/2016/12/fintech_and_sustainable_development_assessing_the_implications.pdf	http://unepinquiry.org/wp-content/uploads/2016/12/fintech_and_sustainable_development_assessing_the_implications.pdf	PROPN
framr-4076	921	7	https://doi.org/10.3390/en15041292	https://doi.org/10.3390/en15041292	ADP
framr-4076	921	8	https://doi.org/10.3390/su13137012	https://doi.org/10.3390/su13137012	PROPN
framr-4076	921	9	https://www.clientearth.org/latest/latest-updates/stories/how-to-spot-fossil-fuel-greenwashing/	https://www.clientearth.org/latest/latest-updates/stories/how-to-spot-fossil-fuel-greenwashing/	NOUN
framr-4076	921	10	https://www.climatebonds.net/resources/reports/green-bond-market-summary-q4-2021	https://www.climatebonds.net/resources/reports/green-bond-market-summary-q4-2021	NOUN
framr-4076	922	1	https://doi.org/10.1177/0149206310388419	https://doi.org/10.1177/0149206310388419	DET
framr-4076	922	2	https://doi.org/10.1016/j.jaccpubpol.2018.04.003	https://doi.org/10.1016/j.jaccpubpol.2018.04.003	PROPN
framr-4076	922	3	https://doi.org/10.1289/ehp.118-a246	https://doi.org/10.1289/ehp.118-a246	PROPN
framr-4076	922	4	https://doi.org/10.1186/s12302-020-0300-3	https://doi.org/10.1186/s12302-020-0300-3	NUM
framr-4076	922	5	https://doi.org/10.1525/cmr.2011.54.1.64	https://doi.org/10.1525/cmr.2011.54.1.64	PROPN
framr-4076	922	6	https://www.deloitte.com/middle-east/en.html	https://www.deloitte.com/middle-east/en.html	PROPN
framr-4076	922	7	https://doi.org/10.3390/su11226434	https://doi.org/10.3390/su11226434	PROPN
framr-4076	922	8	https://doi.org/10.1007/s42943-021-00033-9	https://doi.org/10.1007/s42943-021-00033-9	NUM
framr-4076	922	9	https://finance.ec.europa.eu/sustainable-finance/disclosures/sustainability-related-disclosure-financial-services-sector_en	https://finance.ec.europa.eu/sustainable-finance/disclosures/sustainability-related-disclosure-financial-services-sector_en	X
framr-4076	922	10	https://finance.ec.europa.eu/sustainable-finance/disclosures/sustainability-related-disclosure-financial-services-sector_en	https://finance.ec.europa.eu/sustainable-finance/disclosures/sustainability-related-disclosure-financial-services-sector_en	AUX
framr-4076	922	11	financial	financial	ADJ
framr-4076	922	12	risk	risk	NOUN
framr-4076	922	13	and	and	CCONJ
framr-4076	922	14	management	management	NOUN
framr-4076	922	15	reviews	review	NOUN
framr-4076	922	16	,	,	PUNCT
framr-4076	922	17	2025	2025	NUM
framr-4076	922	18	,	,	PUNCT
framr-4076	922	19	11(1	11(1	NUM
framr-4076	922	20	):	):	PUNCT
framr-4076	922	21	37	37	NUM
framr-4076	922	22	-	-	SYM
framr-4076	922	23	71	71	NUM
framr-4076	922	24	68	68	NUM
framr-4076	922	25	©	©	PROPN
framr-4076	922	26	2025	2025	NUM
framr-4076	922	27	conscientia	conscientia	PROPN
framr-4076	922	28	beam	beam	PROPN
framr-4076	922	29	.	.	PUNCT
framr-4076	923	1	all	all	DET
framr-4076	923	2	rights	right	NOUN
framr-4076	923	3	reserved	reserve	VERB
framr-4076	923	4	.	.	PUNCT
framr-4076	924	1	ferrón‐vílchez	ferrón‐vílchez	PROPN
framr-4076	924	2	,	,	PUNCT
framr-4076	924	3	v.	v.	ADV
framr-4076	924	4	,	,	PUNCT
framr-4076	924	5	valero‐gil	valero‐gil	PROPN
framr-4076	924	6	,	,	PUNCT
framr-4076	924	7	j.	j.	PROPN
framr-4076	924	8	,	,	PUNCT
framr-4076	924	9	&	&	CCONJ
framr-4076	924	10	suárez‐perales	suárez‐perales	PROPN
framr-4076	924	11	,	,	PUNCT
framr-4076	924	12	i.	i.	PROPN
framr-4076	924	13	(	(	PUNCT
framr-4076	924	14	2021	2021	NUM
framr-4076	924	15	)	)	PUNCT
framr-4076	924	16	.	.	PUNCT
framr-4076	925	1	how	how	SCONJ
framr-4076	925	2	does	do	AUX
framr-4076	925	3	greenwashing	greenwashe	VERB
framr-4076	925	4	influence	influence	NOUN
framr-4076	925	5	managers	manager	NOUN
framr-4076	925	6	'	'	PART
framr-4076	925	7	decision‐making	decision‐making	NOUN
framr-4076	925	8	?	?	PUNCT
framr-4076	926	1	an	an	DET
framr-4076	926	2	experimental	experimental	ADJ
framr-4076	926	3	approach	approach	NOUN
framr-4076	926	4	under	under	ADP
framr-4076	926	5	stakeholder	stakeholder	NOUN
framr-4076	926	6	view	view	NOUN
framr-4076	926	7	.	.	PUNCT
framr-4076	927	1	corporate	corporate	ADJ
framr-4076	927	2	social	social	ADJ
framr-4076	927	3	responsibility	responsibility	NOUN
framr-4076	927	4	and	and	CCONJ
framr-4076	927	5	environmental	environmental	ADJ
framr-4076	927	6	management	management	NOUN
framr-4076	927	7	,	,	PUNCT
framr-4076	927	8	28(2	28(2	NUM
framr-4076	927	9	)	)	PUNCT
framr-4076	927	10	,	,	PUNCT
framr-4076	927	11	860	860	NUM
framr-4076	927	12	-	-	SYM
framr-4076	927	13	880	880	NUM
framr-4076	927	14	.	.	PUNCT
framr-4076	928	1	https://doi.org/10.1002/csr.2095	https://doi.org/10.1002/csr.2095	PROPN
framr-4076	928	2	freeman	freeman	PROPN
framr-4076	928	3	,	,	PUNCT
framr-4076	928	4	r.	r.	PROPN
framr-4076	928	5	e.	e.	PROPN
framr-4076	928	6	(	(	PUNCT
framr-4076	928	7	1984	1984	NUM
framr-4076	928	8	)	)	PUNCT
framr-4076	928	9	.	.	PUNCT
framr-4076	929	1	strategic	strategic	ADJ
framr-4076	929	2	management	management	NOUN
framr-4076	929	3	:	:	PUNCT
framr-4076	929	4	a	a	DET
framr-4076	929	5	stakeholder	stakeholder	NOUN
framr-4076	929	6	approach	approach	NOUN
framr-4076	929	7	.	.	PUNCT
framr-4076	930	1	boston	boston	PROPN
framr-4076	930	2	,	,	PUNCT
framr-4076	930	3	ma	ma	PROPN
framr-4076	930	4	:	:	PUNCT
framr-4076	930	5	pitman	pitman	NOUN
framr-4076	930	6	.	.	PUNCT
framr-4076	931	1	galletta	galletta	PROPN
framr-4076	931	2	,	,	PUNCT
framr-4076	931	3	s.	s.	PROPN
framr-4076	931	4	,	,	PUNCT
framr-4076	931	5	mazzù	mazzù	ADV
framr-4076	931	6	,	,	PUNCT
framr-4076	931	7	s.	s.	PROPN
framr-4076	931	8	,	,	PUNCT
framr-4076	931	9	naciti	naciti	PROPN
framr-4076	931	10	,	,	PUNCT
framr-4076	931	11	v.	v.	PROPN
framr-4076	931	12	,	,	PUNCT
framr-4076	931	13	&	&	CCONJ
framr-4076	931	14	paltrinieri	paltrinieri	PROPN
framr-4076	931	15	,	,	PUNCT
framr-4076	931	16	a.	a.	NOUN
framr-4076	931	17	(	(	PUNCT
framr-4076	931	18	2024	2024	NUM
framr-4076	931	19	)	)	PUNCT
framr-4076	931	20	.	.	PUNCT
framr-4076	932	1	a	a	DET
framr-4076	932	2	prisma	prisma	PROPN
framr-4076	932	3	systematic	systematic	PROPN
framr-4076	932	4	review	review	NOUN
framr-4076	932	5	of	of	ADP
framr-4076	932	6	greenwashing	greenwashe	VERB
framr-4076	932	7	in	in	ADP
framr-4076	932	8	the	the	DET
framr-4076	932	9	banking	banking	NOUN
framr-4076	932	10	industry	industry	NOUN
framr-4076	932	11	:	:	PUNCT
framr-4076	932	12	a	a	DET
framr-4076	932	13	call	call	NOUN
framr-4076	932	14	for	for	ADP
framr-4076	932	15	action	action	NOUN
framr-4076	932	16	.	.	PUNCT
framr-4076	933	1	research	research	NOUN
framr-4076	933	2	in	in	ADP
framr-4076	933	3	international	international	ADJ
framr-4076	933	4	business	business	NOUN
framr-4076	933	5	and	and	CCONJ
framr-4076	933	6	finance	finance	NOUN
framr-4076	933	7	,	,	PUNCT
framr-4076	933	8	69	69	NUM
framr-4076	933	9	,	,	PUNCT
framr-4076	933	10	102262	102262	NUM
framr-4076	933	11	.	.	PUNCT
framr-4076	934	1	https://doi.org/10.1016/j.ribaf.2024.102262	https://doi.org/10.1016/j.ribaf.2024.102262	PROPN
framr-4076	934	2	gatti	gatti	PROPN
framr-4076	934	3	,	,	PUNCT
framr-4076	934	4	l.	l.	PROPN
framr-4076	934	5	,	,	PUNCT
framr-4076	934	6	seele	seele	PROPN
framr-4076	934	7	,	,	PUNCT
framr-4076	934	8	p.	p.	PROPN
framr-4076	934	9	,	,	PUNCT
framr-4076	934	10	&	&	CCONJ
framr-4076	934	11	rademacher	rademacher	PROPN
framr-4076	934	12	,	,	PUNCT
framr-4076	934	13	l.	l.	PROPN
framr-4076	934	14	(	(	PUNCT
framr-4076	934	15	2019	2019	NUM
framr-4076	934	16	)	)	PUNCT
framr-4076	934	17	.	.	PUNCT
framr-4076	935	1	grey	grey	PROPN
framr-4076	935	2	zone	zone	PROPN
framr-4076	935	3	in	in	ADP
framr-4076	935	4	–	–	PUNCT
framr-4076	935	5	greenwash	greenwash	VERB
framr-4076	935	6	out	out	ADP
framr-4076	935	7	.	.	PUNCT
framr-4076	936	1	a	a	DET
framr-4076	936	2	review	review	NOUN
framr-4076	936	3	of	of	ADP
framr-4076	936	4	greenwashing	greenwashe	VERB
framr-4076	936	5	research	research	NOUN
framr-4076	936	6	and	and	CCONJ
framr-4076	936	7	implications	implication	NOUN
framr-4076	936	8	for	for	ADP
framr-4076	936	9	the	the	DET
framr-4076	936	10	voluntary	voluntary	ADJ
framr-4076	936	11	-	-	PUNCT
framr-4076	936	12	mandatory	mandatory	ADJ
framr-4076	936	13	transition	transition	NOUN
framr-4076	936	14	of	of	ADP
framr-4076	936	15	csr	csr	PROPN
framr-4076	936	16	.	.	PROPN
framr-4076	936	17	international	international	ADJ
framr-4076	936	18	journal	journal	PROPN
framr-4076	936	19	of	of	ADP
framr-4076	936	20	corporate	corporate	ADJ
framr-4076	936	21	social	social	ADJ
framr-4076	936	22	responsibility	responsibility	NOUN
framr-4076	936	23	,	,	PUNCT
framr-4076	936	24	4(1	4(1	NOUN
framr-4076	936	25	)	)	PUNCT
framr-4076	936	26	,	,	PUNCT
framr-4076	936	27	1	1	NUM
framr-4076	936	28	-	-	SYM
framr-4076	936	29	15	15	NUM
framr-4076	936	30	.	.	NUM
framr-4076	937	1	https://doi.org/10.1186/s40991-019-0044-9	https://doi.org/10.1186/s40991-019-0044-9	NUM
framr-4076	937	2	global	global	ADJ
framr-4076	937	3	sustainable	sustainable	ADJ
framr-4076	937	4	investment	investment	NOUN
framr-4076	937	5	alliance	alliance	NOUN
framr-4076	937	6	(	(	PUNCT
framr-4076	937	7	gsia	gsia	PROPN
framr-4076	937	8	)	)	PUNCT
framr-4076	937	9	.	.	PUNCT
framr-4076	938	1	(	(	PUNCT
framr-4076	938	2	2022	2022	NUM
framr-4076	938	3	)	)	PUNCT
framr-4076	938	4	.	.	PUNCT
framr-4076	939	1	global	global	ADJ
framr-4076	939	2	sustainable	sustainable	ADJ
framr-4076	939	3	investment	investment	NOUN
framr-4076	939	4	review	review	NOUN
framr-4076	939	5	2022	2022	NUM
framr-4076	939	6	.	.	PUNCT
framr-4076	940	1	retrieved	retrieve	VERB
framr-4076	940	2	from	from	ADP
framr-4076	940	3	https://www.gsialliance.org/trends/	https://www.gsialliance.org/trends/	X
framr-4076	940	4	globaldata	globaldata	NOUN
framr-4076	940	5	.	.	PUNCT
framr-4076	941	1	(	(	PUNCT
framr-4076	941	2	2022	2022	NUM
framr-4076	941	3	)	)	PUNCT
framr-4076	941	4	.	.	PUNCT
framr-4076	942	1	the	the	DET
framr-4076	942	2	role	role	NOUN
framr-4076	942	3	of	of	ADP
framr-4076	942	4	esg	esg	PROPN
framr-4076	942	5	in	in	ADP
framr-4076	942	6	financial	financial	ADJ
framr-4076	942	7	services	service	NOUN
framr-4076	942	8	.	.	PUNCT
framr-4076	943	1	retrieved	retrieve	VERB
framr-4076	943	2	from	from	ADP
framr-4076	943	3	https://www.globaldata.com/store/report/esg-in-financialservices-theme-analysis/	https://www.globaldata.com/store/report/esg-in-financialservices-theme-analysis/	PROPN
framr-4076	943	4	grove	grove	PROPN
framr-4076	943	5	,	,	PUNCT
framr-4076	943	6	h.	h.	PROPN
framr-4076	943	7	,	,	PUNCT
framr-4076	943	8	&	&	CCONJ
framr-4076	943	9	clouse	clouse	PROPN
framr-4076	943	10	,	,	PUNCT
framr-4076	943	11	m.	m.	NOUN
framr-4076	943	12	(	(	PUNCT
framr-4076	943	13	2021	2021	NUM
framr-4076	943	14	)	)	PUNCT
framr-4076	943	15	.	.	PUNCT
framr-4076	944	1	zero	zero	NUM
framr-4076	944	2	net	net	ADJ
framr-4076	944	3	emissions	emission	NOUN
framr-4076	944	4	goals	goal	NOUN
framr-4076	944	5	:	:	PUNCT
framr-4076	944	6	challenges	challenge	NOUN
framr-4076	944	7	for	for	ADP
framr-4076	944	8	boards	board	NOUN
framr-4076	944	9	.	.	PUNCT
framr-4076	945	1	corporate	corporate	ADJ
framr-4076	945	2	board	board	NOUN
framr-4076	945	3	role	role	NOUN
framr-4076	945	4	duties	duty	NOUN
framr-4076	945	5	and	and	CCONJ
framr-4076	945	6	composition	composition	NOUN
framr-4076	945	7	,	,	PUNCT
framr-4076	945	8	17(2	17(2	NUM
framr-4076	945	9	)	)	PUNCT
framr-4076	945	10	,	,	PUNCT
framr-4076	945	11	5469	5469	NUM
framr-4076	945	12	.	.	PUNCT
framr-4076	946	1	https://doi.org/10.22495/cbv17i2art5	https://doi.org/10.22495/cbv17i2art5	PROPN
framr-4076	946	2	hartmann	hartmann	PROPN
framr-4076	946	3	,	,	PUNCT
framr-4076	946	4	p.	p.	PROPN
framr-4076	946	5	,	,	PUNCT
framr-4076	946	6	&	&	CCONJ
framr-4076	946	7	apaolaza	apaolaza	PROPN
framr-4076	946	8	-	-	PUNCT
framr-4076	946	9	ibáñez	ibáñez	NOUN
framr-4076	946	10	,	,	PUNCT
framr-4076	946	11	v.	v.	PROPN
framr-4076	946	12	(	(	PUNCT
framr-4076	946	13	2009	2009	NUM
framr-4076	946	14	)	)	PUNCT
framr-4076	946	15	.	.	PUNCT
framr-4076	947	1	green	green	ADJ
framr-4076	947	2	advertising	advertising	PROPN
framr-4076	947	3	revisited	revisit	VERB
framr-4076	947	4	:	:	PUNCT
framr-4076	947	5	conditioning	condition	VERB
framr-4076	947	6	virtual	virtual	ADJ
framr-4076	947	7	nature	nature	NOUN
framr-4076	947	8	experiences	experience	NOUN
framr-4076	947	9	.	.	PUNCT
framr-4076	948	1	international	international	ADJ
framr-4076	948	2	journal	journal	NOUN
framr-4076	948	3	of	of	ADP
framr-4076	948	4	advertising	advertising	NOUN
framr-4076	948	5	,	,	PUNCT
framr-4076	948	6	28(4	28(4	NUM
framr-4076	948	7	)	)	PUNCT
framr-4076	948	8	,	,	PUNCT
framr-4076	948	9	715	715	NUM
framr-4076	948	10	-	-	SYM
framr-4076	948	11	739	739	NUM
framr-4076	948	12	.	.	PUNCT
framr-4076	949	1	https://doi.org/10.2501/s0265048709200837	https://doi.org/10.2501/s0265048709200837	NUM
framr-4076	949	2	heras‐saizarbitoria	heras‐saizarbitoria	NOUN
framr-4076	949	3	,	,	PUNCT
framr-4076	949	4	i.	i.	NOUN
framr-4076	949	5	,	,	PUNCT
framr-4076	949	6	boiral	boiral	ADJ
framr-4076	949	7	,	,	PUNCT
framr-4076	949	8	o.	o.	NOUN
framr-4076	949	9	,	,	PUNCT
framr-4076	949	10	&	&	CCONJ
framr-4076	949	11	díaz	díaz	PROPN
framr-4076	949	12	de	de	PROPN
framr-4076	949	13	junguitu	junguitu	PROPN
framr-4076	949	14	,	,	PUNCT
framr-4076	949	15	a.	a.	NOUN
framr-4076	949	16	(	(	PUNCT
framr-4076	949	17	2020	2020	NUM
framr-4076	949	18	)	)	PUNCT
framr-4076	949	19	.	.	PUNCT
framr-4076	950	1	environmental	environmental	ADJ
framr-4076	950	2	management	management	NOUN
framr-4076	950	3	certification	certification	NOUN
framr-4076	950	4	and	and	CCONJ
framr-4076	950	5	environmental	environmental	ADJ
framr-4076	950	6	performance	performance	NOUN
framr-4076	950	7	:	:	PUNCT
framr-4076	950	8	greening	greening	NOUN
framr-4076	950	9	or	or	CCONJ
framr-4076	950	10	greenwashing	greenwashing	NOUN
framr-4076	950	11	?	?	PUNCT
framr-4076	951	1	business	business	NOUN
framr-4076	951	2	strategy	strategy	NOUN
framr-4076	951	3	and	and	CCONJ
framr-4076	951	4	the	the	DET
framr-4076	951	5	environment	environment	NOUN
framr-4076	951	6	,	,	PUNCT
framr-4076	951	7	29(6	29(6	NUM
framr-4076	951	8	)	)	PUNCT
framr-4076	951	9	,	,	PUNCT
framr-4076	951	10	2829	2829	NUM
framr-4076	951	11	-	-	SYM
framr-4076	951	12	2841	2841	NUM
framr-4076	951	13	.	.	PUNCT
framr-4076	952	1	https://doi.org/10.1002/bse.2546	https://doi.org/10.1002/bse.2546	PROPN
framr-4076	952	2	hopalı	hopalı	PROPN
framr-4076	952	3	,	,	PUNCT
framr-4076	952	4	e.	e.	PROPN
framr-4076	952	5	,	,	PUNCT
framr-4076	952	6	vayvay	vayvay	NOUN
framr-4076	952	7	,	,	PUNCT
framr-4076	952	8	ö.	ö.	PROPN
framr-4076	952	9	,	,	PUNCT
framr-4076	952	10	kalender	kalender	PROPN
framr-4076	952	11	,	,	PUNCT
framr-4076	952	12	z.	z.	PROPN
framr-4076	952	13	t.	t.	PROPN
framr-4076	952	14	,	,	PUNCT
framr-4076	952	15	turhan	turhan	PROPN
framr-4076	952	16	,	,	PUNCT
framr-4076	952	17	d.	d.	PROPN
framr-4076	952	18	,	,	PUNCT
framr-4076	952	19	&	&	CCONJ
framr-4076	952	20	aysuna	aysuna	PROPN
framr-4076	952	21	,	,	PUNCT
framr-4076	952	22	c.	c.	PROPN
framr-4076	952	23	(	(	PUNCT
framr-4076	952	24	2022	2022	NUM
framr-4076	952	25	)	)	PUNCT
framr-4076	952	26	.	.	PUNCT
framr-4076	953	1	how	how	SCONJ
framr-4076	953	2	do	do	AUX
framr-4076	953	3	mobile	mobile	ADJ
framr-4076	953	4	wallets	wallet	NOUN
framr-4076	953	5	improve	improve	VERB
framr-4076	953	6	sustainability	sustainability	NOUN
framr-4076	953	7	in	in	ADP
framr-4076	953	8	payment	payment	NOUN
framr-4076	953	9	services	service	NOUN
framr-4076	953	10	?	?	PUNCT
framr-4076	954	1	a	a	DET
framr-4076	954	2	comprehensive	comprehensive	ADJ
framr-4076	954	3	literature	literature	NOUN
framr-4076	954	4	review	review	NOUN
framr-4076	954	5	.	.	PUNCT
framr-4076	955	1	sustainability	sustainability	NOUN
framr-4076	955	2	,	,	PUNCT
framr-4076	955	3	14(24	14(24	NUM
framr-4076	955	4	)	)	PUNCT
framr-4076	955	5	,	,	PUNCT
framr-4076	955	6	16541	16541	NUM
framr-4076	955	7	.	.	PUNCT
framr-4076	956	1	https://doi.org/10.3390/su142416541	https://doi.org/10.3390/su142416541	PROPN
framr-4076	956	2	huang	huang	PROPN
framr-4076	956	3	,	,	PUNCT
framr-4076	956	4	s.	s.	PROPN
framr-4076	956	5	,	,	PUNCT
framr-4076	956	6	pickernell	pickernell	PROPN
framr-4076	956	7	,	,	PUNCT
framr-4076	956	8	d.	d.	PROPN
framr-4076	956	9	,	,	PUNCT
framr-4076	956	10	battisti	battisti	PROPN
framr-4076	956	11	,	,	PUNCT
framr-4076	956	12	m.	m.	NOUN
framr-4076	956	13	,	,	PUNCT
framr-4076	956	14	&	&	CCONJ
framr-4076	956	15	nguyen	nguyen	PROPN
framr-4076	956	16	,	,	PUNCT
framr-4076	956	17	t.	t.	PROPN
framr-4076	956	18	(	(	PUNCT
framr-4076	956	19	2022	2022	NUM
framr-4076	956	20	)	)	PUNCT
framr-4076	956	21	.	.	PUNCT
framr-4076	957	1	signalling	signal	VERB
framr-4076	957	2	entrepreneurs	entrepreneur	NOUN
framr-4076	957	3	’	’	PART
framr-4076	957	4	credibility	credibility	NOUN
framr-4076	957	5	and	and	CCONJ
framr-4076	957	6	project	project	NOUN
framr-4076	957	7	quality	quality	NOUN
framr-4076	957	8	for	for	ADP
framr-4076	957	9	crowdfunding	crowdfunde	VERB
framr-4076	957	10	success	success	NOUN
framr-4076	957	11	:	:	PUNCT
framr-4076	957	12	cases	case	NOUN
framr-4076	957	13	from	from	ADP
framr-4076	957	14	the	the	DET
framr-4076	957	15	kickstarter	kickstarter	NOUN
framr-4076	957	16	and	and	CCONJ
framr-4076	957	17	indiegogo	indiegogo	PROPN
framr-4076	957	18	environments	environment	NOUN
framr-4076	957	19	.	.	PUNCT
framr-4076	958	1	small	small	ADJ
framr-4076	958	2	business	business	NOUN
framr-4076	958	3	economics	economic	NOUN
framr-4076	958	4	,	,	PUNCT
framr-4076	958	5	58(4	58(4	NUM
framr-4076	958	6	)	)	PUNCT
framr-4076	958	7	,	,	PUNCT
framr-4076	958	8	1801–1821	1801–1821	NUM
framr-4076	958	9	.	.	PUNCT
framr-4076	959	1	https://doi.org/10.1007/s11187-021-00477-6	https://doi.org/10.1007/s11187-021-00477-6	PROPN
framr-4076	959	2	iperen	iperen	PROPN
framr-4076	959	3	,	,	PUNCT
framr-4076	959	4	v.	v.	ADP
framr-4076	959	5	n.	n.	PROPN
framr-4076	959	6	(	(	PUNCT
framr-4076	959	7	2024	2024	NUM
framr-4076	959	8	)	)	PUNCT
framr-4076	959	9	.	.	PUNCT
framr-4076	960	1	a	a	DET
framr-4076	960	2	qualitative	qualitative	ADJ
framr-4076	960	3	and	and	CCONJ
framr-4076	960	4	quantitative	quantitative	ADJ
framr-4076	960	5	comparison	comparison	NOUN
framr-4076	960	6	between	between	ADP
framr-4076	960	7	sustainable	sustainable	ADJ
framr-4076	960	8	and	and	CCONJ
framr-4076	960	9	non	non	ADJ
framr-4076	960	10	-	-	ADJ
framr-4076	960	11	sustainable	sustainable	ADJ
framr-4076	960	12	robo	robo	NOUN
framr-4076	960	13	advisors	advisor	NOUN
framr-4076	960	14	.	.	PUNCT
framr-4076	961	1	bachelor	bachelor	NOUN
framr-4076	961	2	's	's	PART
framr-4076	961	3	thesis	thesis	NOUN
framr-4076	961	4	,	,	PUNCT
framr-4076	961	5	university	university	PROPN
framr-4076	961	6	of	of	ADP
framr-4076	961	7	twente	twente	PROPN
framr-4076	961	8	.	.	PUNCT
framr-4076	962	1	jha	jha	PROPN
framr-4076	962	2	,	,	PUNCT
framr-4076	962	3	r.	r.	PROPN
framr-4076	962	4	s.	s.	PROPN
framr-4076	962	5	,	,	PUNCT
framr-4076	962	6	&	&	CCONJ
framr-4076	962	7	sahoo	sahoo	PROPN
framr-4076	962	8	,	,	PUNCT
framr-4076	962	9	p.	p.	PROPN
framr-4076	962	10	r.	r.	PROPN
framr-4076	962	11	(	(	PUNCT
framr-4076	962	12	2022	2022	NUM
framr-4076	962	13	)	)	PUNCT
framr-4076	962	14	.	.	PUNCT
framr-4076	963	1	technology	technology	NOUN
framr-4076	963	2	shaping	shaping	NOUN
framr-4076	963	3	models	model	NOUN
framr-4076	963	4	of	of	ADP
framr-4076	963	5	“	"	PUNCT
framr-4076	963	6	personalization	personalization	NOUN
framr-4076	963	7	”	"	PUNCT
framr-4076	963	8	in	in	ADP
framr-4076	963	9	insurance	insurance	NOUN
framr-4076	963	10	.	.	PUNCT
framr-4076	964	1	paper	paper	NOUN
framr-4076	964	2	presented	present	VERB
framr-4076	964	3	at	at	ADP
framr-4076	964	4	the	the	PRON
framr-4076	964	5	in	in	ADP
framr-4076	964	6	ict	ict	PROPN
framr-4076	964	7	systems	system	NOUN
framr-4076	964	8	and	and	CCONJ
framr-4076	964	9	sustainability	sustainability	NOUN
framr-4076	964	10	:	:	PUNCT
framr-4076	964	11	proceedings	proceeding	NOUN
framr-4076	964	12	of	of	ADP
framr-4076	964	13	ict4sd	ict4sd	PROPN
framr-4076	964	14	2022	2022	NUM
framr-4076	964	15	(	(	PUNCT
framr-4076	964	16	pp	pp	ADJ
framr-4076	964	17	.	.	PUNCT
framr-4076	965	1	237	237	NUM
framr-4076	965	2	-	-	SYM
framr-4076	965	3	246	246	NUM
framr-4076	965	4	)	)	PUNCT
framr-4076	965	5	.	.	PUNCT
framr-4076	966	1	singapore	singapore	PROPN
framr-4076	966	2	:	:	PUNCT
framr-4076	966	3	springer	springer	NOUN
framr-4076	966	4	nature	nature	PROPN
framr-4076	966	5	singapore	singapore	PROPN
framr-4076	966	6	.	.	PUNCT
framr-4076	967	1	jones	jones	PROPN
framr-4076	967	2	,	,	PUNCT
framr-4076	967	3	e.	e.	PROPN
framr-4076	967	4	(	(	PUNCT
framr-4076	967	5	2019	2019	NUM
framr-4076	967	6	)	)	PUNCT
framr-4076	967	7	.	.	PUNCT
framr-4076	968	1	rethinking	rethink	VERB
framr-4076	968	2	greenwashing	greenwashing	NOUN
framr-4076	968	3	:	:	PUNCT
framr-4076	968	4	corporate	corporate	ADJ
framr-4076	968	5	discourse	discourse	NOUN
framr-4076	968	6	,	,	PUNCT
framr-4076	968	7	unethical	unethical	ADJ
framr-4076	968	8	practice	practice	NOUN
framr-4076	968	9	,	,	PUNCT
framr-4076	968	10	and	and	CCONJ
framr-4076	968	11	the	the	DET
framr-4076	968	12	unmet	unmet	NOUN
framr-4076	968	13	potential	potential	NOUN
framr-4076	968	14	of	of	ADP
framr-4076	968	15	ethical	ethical	ADJ
framr-4076	968	16	consumerism	consumerism	NOUN
framr-4076	968	17	.	.	PUNCT
framr-4076	969	1	sociological	sociological	ADJ
framr-4076	969	2	perspectives	perspective	NOUN
framr-4076	969	3	,	,	PUNCT
framr-4076	969	4	62(5	62(5	NOUN
framr-4076	969	5	)	)	PUNCT
framr-4076	969	6	,	,	PUNCT
framr-4076	969	7	728	728	NUM
framr-4076	969	8	-	-	SYM
framr-4076	969	9	754	754	NUM
framr-4076	969	10	.	.	PUNCT
framr-4076	970	1	https://doi.org/10.1177/0731121419849095	https://doi.org/10.1177/0731121419849095	PROPN
framr-4076	971	1	jovanovic	jovanovic	PROPN
framr-4076	971	2	,	,	PUNCT
framr-4076	971	3	m.	m.	NOUN
framr-4076	971	4	,	,	PUNCT
framr-4076	971	5	kostić	kostić	VERB
framr-4076	971	6	,	,	PUNCT
framr-4076	971	7	n.	n.	NOUN
framr-4076	971	8	,	,	PUNCT
framr-4076	971	9	sebastian	sebastian	PROPN
framr-4076	971	10	,	,	PUNCT
framr-4076	971	11	i.	i.	NOUN
framr-4076	971	12	m.	m.	PROPN
framr-4076	971	13	,	,	PUNCT
framr-4076	971	14	&	&	CCONJ
framr-4076	971	15	sedej	sedej	VERB
framr-4076	971	16	,	,	PUNCT
framr-4076	971	17	t.	t.	PROPN
framr-4076	971	18	(	(	PUNCT
framr-4076	971	19	2022	2022	NUM
framr-4076	971	20	)	)	PUNCT
framr-4076	971	21	.	.	PUNCT
framr-4076	972	1	managing	manage	VERB
framr-4076	972	2	a	a	DET
framr-4076	972	3	blockchain	blockchain	NOUN
framr-4076	972	4	-	-	PUNCT
framr-4076	972	5	based	base	VERB
framr-4076	972	6	platform	platform	NOUN
framr-4076	972	7	ecosystem	ecosystem	NOUN
framr-4076	972	8	for	for	ADP
framr-4076	972	9	industry	industry	NOUN
framr-4076	972	10	-	-	PUNCT
framr-4076	972	11	wide	wide	ADJ
framr-4076	972	12	adoption	adoption	NOUN
framr-4076	972	13	:	:	PUNCT
framr-4076	972	14	the	the	DET
framr-4076	972	15	case	case	NOUN
framr-4076	972	16	of	of	ADP
framr-4076	972	17	tradelens	tradelen	NOUN
framr-4076	972	18	.	.	PUNCT
framr-4076	973	1	technological	technological	ADJ
framr-4076	973	2	forecasting	forecasting	NOUN
framr-4076	973	3	and	and	CCONJ
framr-4076	973	4	social	social	ADJ
framr-4076	973	5	change	change	NOUN
framr-4076	973	6	,	,	PUNCT
framr-4076	973	7	184	184	NUM
framr-4076	973	8	,	,	PUNCT
framr-4076	973	9	121981	121981	NUM
framr-4076	973	10	.	.	PUNCT
framr-4076	974	1	https://doi.org/10.1016/j.techfore.2022.121981	https://doi.org/10.1016/j.techfore.2022.121981	PROPN
framr-4076	974	2	kirchhoff	kirchhoff	PROPN
framr-4076	974	3	,	,	PUNCT
framr-4076	974	4	s.	s.	PROPN
framr-4076	974	5	(	(	PUNCT
framr-4076	974	6	2000	2000	NUM
framr-4076	974	7	)	)	PUNCT
framr-4076	974	8	.	.	PUNCT
framr-4076	975	1	green	green	ADJ
framr-4076	975	2	business	business	NOUN
framr-4076	975	3	and	and	CCONJ
framr-4076	975	4	blue	blue	ADJ
framr-4076	975	5	angels	angel	NOUN
framr-4076	975	6	.	.	PUNCT
framr-4076	976	1	environmental	environmental	ADJ
framr-4076	976	2	and	and	CCONJ
framr-4076	976	3	resource	resource	NOUN
framr-4076	976	4	economics	economic	NOUN
framr-4076	976	5	,	,	PUNCT
framr-4076	976	6	15(4	15(4	NUM
framr-4076	976	7	)	)	PUNCT
framr-4076	976	8	,	,	PUNCT
framr-4076	976	9	403	403	NUM
framr-4076	976	10	-	-	SYM
framr-4076	976	11	420	420	NUM
framr-4076	976	12	.	.	PUNCT
framr-4076	977	1	klein	klein	PROPN
framr-4076	977	2	,	,	PUNCT
framr-4076	977	3	n.	n.	PROPN
framr-4076	977	4	j.	j.	PROPN
framr-4076	977	5	,	,	PUNCT
framr-4076	977	6	tran	tran	PROPN
framr-4076	977	7	,	,	PUNCT
framr-4076	977	8	m.	m.	NOUN
framr-4076	977	9	,	,	PUNCT
framr-4076	977	10	&	&	CCONJ
framr-4076	977	11	riley	riley	PROPN
framr-4076	977	12	,	,	PUNCT
framr-4076	977	13	s.	s.	PROPN
framr-4076	977	14	(	(	PUNCT
framr-4076	977	15	2020	2020	NUM
framr-4076	977	16	)	)	PUNCT
framr-4076	977	17	.	.	PUNCT
framr-4076	978	1	“	"	PUNCT
framr-4076	978	2	desperately	desperately	ADV
framr-4076	978	3	need	need	VERB
framr-4076	978	4	a	a	DET
framr-4076	978	5	car	car	NOUN
framr-4076	978	6	”	"	PUNCT
framr-4076	978	7	:	:	PUNCT
framr-4076	978	8	analyzing	analyze	VERB
framr-4076	978	9	crowdfunding	crowdfunding	NOUN
framr-4076	978	10	campaigns	campaign	NOUN
framr-4076	978	11	for	for	ADP
framr-4076	978	12	car	car	NOUN
framr-4076	978	13	purchases	purchase	NOUN
framr-4076	978	14	and	and	CCONJ
framr-4076	978	15	repairs	repair	NOUN
framr-4076	978	16	on	on	ADP
framr-4076	978	17	gofundme	gofundme	NOUN
framr-4076	978	18	.	.	PUNCT
framr-4076	979	1	com	com	NOUN
framr-4076	979	2	.	.	PUNCT
framr-4076	979	3	travel	travel	NOUN
framr-4076	979	4	behaviour	behaviour	NOUN
framr-4076	979	5	and	and	CCONJ
framr-4076	979	6	society	society	NOUN
framr-4076	979	7	,	,	PUNCT
framr-4076	979	8	21	21	NUM
framr-4076	979	9	,	,	PUNCT
framr-4076	979	10	247	247	NUM
framr-4076	979	11	-	-	SYM
framr-4076	979	12	256	256	NUM
framr-4076	979	13	.	.	PUNCT
framr-4076	980	1	https://doi.org/10.1016/j.tbs.2020.07.004	https://doi.org/10.1016/j.tbs.2020.07.004	PROPN
framr-4076	980	2	klimontowicz	klimontowicz	VERB
framr-4076	980	3	,	,	PUNCT
framr-4076	980	4	m.	m.	NOUN
framr-4076	980	5	(	(	PUNCT
framr-4076	980	6	2023	2023	NUM
framr-4076	980	7	)	)	PUNCT
framr-4076	980	8	.	.	PUNCT
framr-4076	981	1	fintechs	fintech	NOUN
framr-4076	981	2	contribution	contribution	NOUN
framr-4076	981	3	to	to	ADP
framr-4076	981	4	sustainable	sustainable	ADJ
framr-4076	981	5	development	development	NOUN
framr-4076	981	6	.	.	PUNCT
framr-4076	982	1	annales	annales	PROPN
framr-4076	982	2	universitatis	universitatis	PROPN
framr-4076	982	3	mariae	mariae	PROPN
framr-4076	982	4	curie	curie	PROPN
framr-4076	982	5	-	-	PUNCT
framr-4076	982	6	skłodowska	skłodowska	NOUN
framr-4076	982	7	,	,	PUNCT
framr-4076	982	8	sectio	sectio	NOUN
framr-4076	982	9	h	h	NOUN
framr-4076	982	10	oeconomia	oeconomia	NOUN
framr-4076	982	11	,	,	PUNCT
framr-4076	982	12	57(4	57(4	NUM
framr-4076	982	13	)	)	PUNCT
framr-4076	982	14	,	,	PUNCT
framr-4076	982	15	103	103	NUM
framr-4076	982	16	-	-	SYM
framr-4076	982	17	121	121	NUM
framr-4076	982	18	.	.	PUNCT
framr-4076	982	19	https://doi.org/10.17951/h.2023.57.4.103-121	https://doi.org/10.17951/h.2023.57.4.103-121	PROPN
framr-4076	983	1	lee	lee	PROPN
framr-4076	983	2	,	,	PUNCT
framr-4076	983	3	m.	m.	NOUN
framr-4076	983	4	t.	t.	PROPN
framr-4076	983	5	,	,	PUNCT
framr-4076	983	6	&	&	CCONJ
framr-4076	983	7	raschke	raschke	PROPN
framr-4076	983	8	,	,	PUNCT
framr-4076	983	9	r.	r.	PROPN
framr-4076	983	10	l.	l.	PROPN
framr-4076	983	11	(	(	PUNCT
framr-4076	983	12	2023	2023	NUM
framr-4076	983	13	)	)	PUNCT
framr-4076	983	14	.	.	PUNCT
framr-4076	984	1	stakeholder	stakeholder	NOUN
framr-4076	984	2	legitimacy	legitimacy	NOUN
framr-4076	984	3	in	in	ADP
framr-4076	984	4	firm	firm	ADJ
framr-4076	984	5	greening	greening	NOUN
framr-4076	984	6	and	and	CCONJ
framr-4076	984	7	financial	financial	ADJ
framr-4076	984	8	performance	performance	NOUN
framr-4076	984	9	:	:	PUNCT
framr-4076	984	10	what	what	PRON
framr-4076	984	11	about	about	ADP
framr-4076	984	12	greenwashing	greenwashe	VERB
framr-4076	984	13	temptations?	temptations?	NUM
framr-4076	984	14	☆	☆	NOUN
framr-4076	984	15	.	.	PUNCT
framr-4076	985	1	journal	journal	PROPN
framr-4076	985	2	of	of	ADP
framr-4076	985	3	business	business	NOUN
framr-4076	985	4	research	research	NOUN
framr-4076	985	5	,	,	PUNCT
framr-4076	985	6	155	155	NUM
framr-4076	985	7	,	,	PUNCT
framr-4076	985	8	113393	113393	NUM
framr-4076	985	9	.	.	PUNCT
framr-4076	986	1	https://doi.org/10.1016/j.jbusres.2022.113393	https://doi.org/10.1016/j.jbusres.2022.113393	ADJ
framr-4076	986	2	lejcak	lejcak	NOUN
framr-4076	986	3	,	,	PUNCT
framr-4076	986	4	j.	j.	PROPN
framr-4076	986	5	,	,	PUNCT
framr-4076	986	6	&	&	CCONJ
framr-4076	986	7	wiltshire	wiltshire	PROPN
framr-4076	986	8	,	,	PUNCT
framr-4076	986	9	b.	b.	PROPN
framr-4076	986	10	(	(	PUNCT
framr-4076	986	11	2016	2016	NUM
framr-4076	986	12	)	)	PUNCT
framr-4076	986	13	.	.	PUNCT
framr-4076	987	1	emerging	emerge	VERB
framr-4076	987	2	finance	finance	NOUN
framr-4076	987	3	in	in	ADP
framr-4076	987	4	the	the	DET
framr-4076	987	5	sharing	sharing	NOUN
framr-4076	987	6	economy	economy	NOUN
framr-4076	987	7	.	.	PUNCT
framr-4076	988	1	li	li	PROPN
framr-4076	988	2	,	,	PUNCT
framr-4076	988	3	w.	w.	PROPN
framr-4076	988	4	,	,	PUNCT
framr-4076	988	5	li	li	PROPN
framr-4076	988	6	,	,	PUNCT
framr-4076	988	7	w.	w.	PROPN
framr-4076	988	8	,	,	PUNCT
framr-4076	988	9	seppänen	seppänen	NOUN
framr-4076	988	10	,	,	PUNCT
framr-4076	988	11	v.	v.	PROPN
framr-4076	988	12	,	,	PUNCT
framr-4076	988	13	&	&	CCONJ
framr-4076	988	14	koivumäki	koivumäki	PROPN
framr-4076	988	15	,	,	PUNCT
framr-4076	988	16	t.	t.	PROPN
framr-4076	988	17	(	(	PUNCT
framr-4076	988	18	2023	2023	NUM
framr-4076	988	19	)	)	PUNCT
framr-4076	988	20	.	.	PUNCT
framr-4076	989	1	effects	effect	NOUN
framr-4076	989	2	of	of	ADP
framr-4076	989	3	greenwashing	greenwashe	VERB
framr-4076	989	4	on	on	ADP
framr-4076	989	5	financial	financial	ADJ
framr-4076	989	6	performance	performance	NOUN
framr-4076	989	7	:	:	PUNCT
framr-4076	989	8	moderation	moderation	NOUN
framr-4076	989	9	through	through	ADP
framr-4076	989	10	local	local	ADJ
framr-4076	989	11	environmental	environmental	ADJ
framr-4076	989	12	regulation	regulation	NOUN
framr-4076	989	13	and	and	CCONJ
framr-4076	989	14	media	medium	NOUN
framr-4076	989	15	coverage	coverage	NOUN
framr-4076	989	16	.	.	PUNCT
framr-4076	990	1	business	business	NOUN
framr-4076	990	2	strategy	strategy	NOUN
framr-4076	990	3	and	and	CCONJ
framr-4076	990	4	the	the	DET
framr-4076	990	5	environment	environment	NOUN
framr-4076	990	6	,	,	PUNCT
framr-4076	990	7	32(1	32(1	NUM
framr-4076	990	8	)	)	PUNCT
framr-4076	990	9	,	,	PUNCT
framr-4076	990	10	820	820	NUM
framr-4076	990	11	-	-	SYM
framr-4076	990	12	841	841	NUM
framr-4076	990	13	.	.	PUNCT
framr-4076	991	1	https://doi.org/10.1002/bse.3177	https://doi.org/10.1002/bse.3177	SCONJ
framr-4076	991	2	https://doi.org/10.1002/csr.2095	https://doi.org/10.1002/csr.2095	ADJ
framr-4076	991	3	https://doi.org/10.1016/j.ribaf.2024.102262	https://doi.org/10.1016/j.ribaf.2024.102262	PROPN
framr-4076	991	4	https://doi.org/10.1186/s40991-019-0044-9	https://doi.org/10.1186/s40991-019-0044-9	NUM
framr-4076	991	5	https://www.gsi-alliance.org/trends/	https://www.gsi-alliance.org/trends/	NOUN
framr-4076	991	6	https://www.gsi-alliance.org/trends/	https://www.gsi-alliance.org/trends/	NOUN
framr-4076	991	7	https://www.globaldata.com/store/report/esg-in-financial-services-theme-analysis/	https://www.globaldata.com/store/report/esg-in-financial-services-theme-analysis/	PROPN
framr-4076	991	8	https://www.globaldata.com/store/report/esg-in-financial-services-theme-analysis/	https://www.globaldata.com/store/report/esg-in-financial-services-theme-analysis/	PROPN
framr-4076	991	9	https://doi.org/10.22495/cbv17i2art5	https://doi.org/10.22495/cbv17i2art5	VERB
framr-4076	991	10	https://doi.org/10.2501/s0265048709200837	https://doi.org/10.2501/s0265048709200837	PROPN
framr-4076	991	11	https://doi.org/10.1002/bse.2546	https://doi.org/10.1002/bse.2546	PROPN
framr-4076	991	12	https://doi.org/10.3390/su142416541	https://doi.org/10.3390/su142416541	PROPN
framr-4076	991	13	https://doi.org/10.1007/s11187-021-00477-6	https://doi.org/10.1007/s11187-021-00477-6	NUM
framr-4076	991	14	https://doi.org/10.1177/0731121419849095	https://doi.org/10.1177/0731121419849095	VERB
framr-4076	991	15	https://doi.org/10.1016/j.techfore.2022.121981	https://doi.org/10.1016/j.techfore.2022.121981	PROPN
framr-4076	991	16	https://doi.org/10.1016/j.tbs.2020.07.004	https://doi.org/10.1016/j.tbs.2020.07.004	PROPN
framr-4076	991	17	https://doi.org/10.17951/h.2023.57.4.103-121	https://doi.org/10.17951/h.2023.57.4.103-121	VERB
framr-4076	991	18	https://doi.org/10.1016/j.jbusres.2022.113393	https://doi.org/10.1016/j.jbusres.2022.113393	ADJ
framr-4076	991	19	https://doi.org/10.1002/bse.3177	https://doi.org/10.1002/bse.3177	PROPN
framr-4076	991	20	financial	financial	ADJ
framr-4076	991	21	risk	risk	NOUN
framr-4076	991	22	and	and	CCONJ
framr-4076	991	23	management	management	NOUN
framr-4076	991	24	reviews	review	NOUN
framr-4076	991	25	,	,	PUNCT
framr-4076	991	26	2025	2025	NUM
framr-4076	991	27	,	,	PUNCT
framr-4076	991	28	11(1	11(1	NUM
framr-4076	991	29	):	):	PUNCT
framr-4076	991	30	37	37	NUM
framr-4076	991	31	-	-	SYM
framr-4076	991	32	71	71	NUM
framr-4076	991	33	69	69	NUM
framr-4076	991	34	©	©	PROPN
framr-4076	991	35	2025	2025	NUM
framr-4076	991	36	conscientia	conscientia	PROPN
framr-4076	991	37	beam	beam	PROPN
framr-4076	991	38	.	.	PUNCT
framr-4076	992	1	all	all	DET
framr-4076	992	2	rights	right	NOUN
framr-4076	992	3	reserved	reserve	VERB
framr-4076	992	4	.	.	PUNCT
framr-4076	993	1	lim	lim	PROPN
framr-4076	993	2	,	,	PUNCT
framr-4076	993	3	x.	x.	PROPN
framr-4076	993	4	j.	j.	PROPN
framr-4076	993	5	,	,	PUNCT
framr-4076	993	6	cheah	cheah	PROPN
framr-4076	993	7	,	,	PUNCT
framr-4076	993	8	j.	j.	PROPN
framr-4076	993	9	h.	h.	PROPN
framr-4076	993	10	,	,	PUNCT
framr-4076	993	11	ngo	ngo	PROPN
framr-4076	993	12	,	,	PUNCT
framr-4076	993	13	l.	l.	PROPN
framr-4076	993	14	v.	v.	PROPN
framr-4076	993	15	,	,	PUNCT
framr-4076	993	16	chan	chan	PROPN
framr-4076	993	17	,	,	PUNCT
framr-4076	993	18	k.	k.	PROPN
framr-4076	993	19	,	,	PUNCT
framr-4076	993	20	&	&	CCONJ
framr-4076	993	21	ting	ting	PROPN
framr-4076	993	22	,	,	PUNCT
framr-4076	993	23	h.	h.	PROPN
framr-4076	993	24	(	(	PUNCT
framr-4076	993	25	2023	2023	NUM
framr-4076	993	26	)	)	PUNCT
framr-4076	993	27	.	.	PUNCT
framr-4076	994	1	how	how	SCONJ
framr-4076	994	2	do	do	AUX
framr-4076	994	3	crazy	crazy	ADJ
framr-4076	994	4	rich	rich	ADJ
framr-4076	994	5	asians	asians	PROPN
framr-4076	994	6	perceive	perceive	VERB
framr-4076	994	7	sustainable	sustainable	ADJ
framr-4076	994	8	luxury	luxury	NOUN
framr-4076	994	9	?	?	PUNCT
framr-4076	995	1	investigating	investigate	VERB
framr-4076	995	2	the	the	DET
framr-4076	995	3	determinants	determinant	NOUN
framr-4076	995	4	of	of	ADP
framr-4076	995	5	consumers	consumer	NOUN
framr-4076	995	6	’	'	PUNCT
framr-4076	995	7	willingness	willingness	NOUN
framr-4076	995	8	to	to	PART
framr-4076	995	9	pay	pay	VERB
framr-4076	995	10	a	a	DET
framr-4076	995	11	premium	premium	NOUN
framr-4076	995	12	price	price	NOUN
framr-4076	995	13	.	.	PUNCT
framr-4076	996	1	journal	journal	NOUN
framr-4076	996	2	of	of	ADP
framr-4076	996	3	retailing	retailing	NOUN
framr-4076	996	4	and	and	CCONJ
framr-4076	996	5	consumer	consumer	NOUN
framr-4076	996	6	services	service	NOUN
framr-4076	996	7	,	,	PUNCT
framr-4076	996	8	75	75	NUM
framr-4076	996	9	,	,	PUNCT
framr-4076	996	10	103502	103502	NUM
framr-4076	996	11	.	.	PUNCT
framr-4076	997	1	lyon	lyon	PROPN
framr-4076	997	2	,	,	PUNCT
framr-4076	997	3	t.	t.	PROPN
framr-4076	997	4	p.	p.	PROPN
framr-4076	997	5	,	,	PUNCT
framr-4076	997	6	&	&	CCONJ
framr-4076	997	7	maxwell	maxwell	PROPN
framr-4076	997	8	,	,	PUNCT
framr-4076	997	9	j.	j.	PROPN
framr-4076	997	10	w.	w.	PROPN
framr-4076	997	11	(	(	PUNCT
framr-4076	997	12	2011	2011	NUM
framr-4076	997	13	)	)	PUNCT
framr-4076	997	14	.	.	PUNCT
framr-4076	998	1	greenwash	greenwash	NOUN
framr-4076	998	2	:	:	PUNCT
framr-4076	998	3	corporate	corporate	ADJ
framr-4076	998	4	environmental	environmental	ADJ
framr-4076	998	5	disclosure	disclosure	NOUN
framr-4076	998	6	under	under	ADP
framr-4076	998	7	threat	threat	NOUN
framr-4076	998	8	of	of	ADP
framr-4076	998	9	audit	audit	NOUN
framr-4076	998	10	.	.	PUNCT
framr-4076	999	1	journal	journal	PROPN
framr-4076	999	2	of	of	ADP
framr-4076	999	3	economics	economics	PROPN
framr-4076	999	4	&	&	CCONJ
framr-4076	999	5	management	management	NOUN
framr-4076	999	6	strategy	strategy	NOUN
framr-4076	999	7	,	,	PUNCT
framr-4076	999	8	20(1	20(1	NUM
framr-4076	999	9	)	)	PUNCT
framr-4076	999	10	,	,	PUNCT
framr-4076	999	11	3	3	NUM
framr-4076	999	12	-	-	SYM
framr-4076	999	13	41	41	NUM
framr-4076	999	14	.	.	PUNCT
framr-4076	1000	1	https://doi.org/10.1111/j.1530-9134.2010.00282.x	https://doi.org/10.1111/j.1530-9134.2010.00282.x	ADJ
framr-4076	1000	2	maamir	maamir	PROPN
framr-4076	1000	3	,	,	PUNCT
framr-4076	1000	4	n.	n.	NOUN
framr-4076	1000	5	(	(	PUNCT
framr-4076	1000	6	2024	2024	NUM
framr-4076	1000	7	)	)	PUNCT
framr-4076	1000	8	.	.	PUNCT
framr-4076	1001	1	the	the	DET
framr-4076	1001	2	effect	effect	NOUN
framr-4076	1001	3	of	of	ADP
framr-4076	1001	4	nutritional	nutritional	ADJ
framr-4076	1001	5	health	health	NOUN
framr-4076	1001	6	perceptions	perception	NOUN
framr-4076	1001	7	on	on	ADP
framr-4076	1001	8	the	the	DET
framr-4076	1001	9	academic	academic	ADJ
framr-4076	1001	10	achievement	achievement	NOUN
framr-4076	1001	11	for	for	ADP
framr-4076	1001	12	studente	studente	NOUN
framr-4076	1001	13	of	of	ADP
framr-4076	1001	14	secondary	secondary	ADJ
framr-4076	1001	15	school	school	NOUN
framr-4076	1001	16	a	a	DET
framr-4076	1001	17	field	field	NOUN
framr-4076	1001	18	study	study	NOUN
framr-4076	1001	19	on	on	ADP
framr-4076	1001	20	a	a	DET
framr-4076	1001	21	sample	sample	NOUN
framr-4076	1001	22	of	of	ADP
framr-4076	1001	23	high	high	ADJ
framr-4076	1001	24	school	school	NOUN
framr-4076	1001	25	student	student	NOUN
framr-4076	1001	26	in	in	ADP
framr-4076	1001	27	algerian	algerian	ADJ
framr-4076	1001	28	schools	school	NOUN
framr-4076	1001	29	.	.	PUNCT
framr-4076	1002	1	international	international	ADJ
framr-4076	1002	2	journal	journal	NOUN
framr-4076	1002	3	of	of	ADP
framr-4076	1002	4	early	early	ADJ
framr-4076	1002	5	childhood	childhood	ADJ
framr-4076	1002	6	special	special	ADJ
framr-4076	1002	7	education	education	NOUN
framr-4076	1002	8	,	,	PUNCT
framr-4076	1002	9	16(1	16(1	NUM
framr-4076	1002	10	)	)	PUNCT
framr-4076	1002	11	,	,	PUNCT
framr-4076	1002	12	171–178	171–178	NUM
framr-4076	1002	13	.	.	PUNCT
framr-4076	1003	1	https://doi.org/10.48047/intjecse/v16i1.20	https://doi.org/10.48047/intjecse/v16i1.20	PROPN
framr-4076	1003	2	manavoglu	manavoglu	PROPN
framr-4076	1003	3	,	,	PUNCT
framr-4076	1003	4	e.	e.	PROPN
framr-4076	1003	5	m.	m.	PROPN
framr-4076	1003	6	(	(	PUNCT
framr-4076	1003	7	2023	2023	NUM
framr-4076	1003	8	)	)	PUNCT
framr-4076	1003	9	.	.	PUNCT
framr-4076	1004	1	the	the	DET
framr-4076	1004	2	impact	impact	NOUN
framr-4076	1004	3	of	of	ADP
framr-4076	1004	4	ai	ai	ADJ
framr-4076	1004	5	adoption	adoption	NOUN
framr-4076	1004	6	maturity	maturity	NOUN
framr-4076	1004	7	on	on	ADP
framr-4076	1004	8	peer	peer	NOUN
framr-4076	1004	9	-	-	PUNCT
framr-4076	1004	10	to	to	ADP
framr-4076	1004	11	-	-	PUNCT
framr-4076	1004	12	peer	peer	NOUN
framr-4076	1004	13	lending	lending	NOUN
framr-4076	1004	14	company	company	NOUN
framr-4076	1004	15	performances	performance	NOUN
framr-4076	1004	16	.	.	PUNCT
framr-4076	1005	1	mateo	mateo	PROPN
framr-4076	1005	2	-	-	PUNCT
framr-4076	1005	3	márquez	márquez	PROPN
framr-4076	1005	4	,	,	PUNCT
framr-4076	1005	5	a.	a.	PROPN
framr-4076	1005	6	j.	j.	PROPN
framr-4076	1005	7	,	,	PUNCT
framr-4076	1005	8	gonzález	gonzález	PROPN
framr-4076	1005	9	-	-	PUNCT
framr-4076	1005	10	gonzález	gonzález	PROPN
framr-4076	1005	11	,	,	PUNCT
framr-4076	1005	12	j.	j.	PROPN
framr-4076	1005	13	m.	m.	PROPN
framr-4076	1005	14	,	,	PUNCT
framr-4076	1005	15	&	&	CCONJ
framr-4076	1005	16	zamora	zamora	PROPN
framr-4076	1005	17	-	-	PUNCT
framr-4076	1005	18	ramírez	ramírez	NOUN
framr-4076	1005	19	,	,	PUNCT
framr-4076	1005	20	c.	c.	NOUN
framr-4076	1005	21	(	(	PUNCT
framr-4076	1005	22	2022	2022	NUM
framr-4076	1005	23	)	)	PUNCT
framr-4076	1005	24	.	.	PUNCT
framr-4076	1006	1	an	an	DET
framr-4076	1006	2	international	international	ADJ
framr-4076	1006	3	empirical	empirical	ADJ
framr-4076	1006	4	study	study	NOUN
framr-4076	1006	5	of	of	ADP
framr-4076	1006	6	greenwashing	greenwashing	NOUN
framr-4076	1006	7	and	and	CCONJ
framr-4076	1006	8	voluntary	voluntary	ADJ
framr-4076	1006	9	carbon	carbon	NOUN
framr-4076	1006	10	disclosure	disclosure	NOUN
framr-4076	1006	11	.	.	PUNCT
framr-4076	1007	1	journal	journal	NOUN
framr-4076	1007	2	of	of	ADP
framr-4076	1007	3	cleaner	clean	ADJ
framr-4076	1007	4	production	production	NOUN
framr-4076	1007	5	,	,	PUNCT
framr-4076	1007	6	363	363	NUM
framr-4076	1007	7	,	,	PUNCT
framr-4076	1007	8	132567	132567	NUM
framr-4076	1007	9	.	.	PUNCT
framr-4076	1008	1	https://doi.org/10.1016/j.jclepro.2022.132567	https://doi.org/10.1016/j.jclepro.2022.132567	PROPN
framr-4076	1008	2	mende	mende	PROPN
framr-4076	1008	3	,	,	PUNCT
framr-4076	1008	4	m.	m.	NOUN
framr-4076	1008	5	,	,	PUNCT
framr-4076	1008	6	&	&	CCONJ
framr-4076	1008	7	scott	scott	PROPN
framr-4076	1008	8	,	,	PUNCT
framr-4076	1008	9	m.	m.	NOUN
framr-4076	1008	10	l.	l.	PROPN
framr-4076	1008	11	(	(	PUNCT
framr-4076	1008	12	2013	2013	NUM
framr-4076	1008	13	)	)	PUNCT
framr-4076	1008	14	.	.	PUNCT
framr-4076	1009	1	status	status	NOUN
framr-4076	1009	2	consumption	consumption	NOUN
framr-4076	1009	3	in	in	ADP
framr-4076	1009	4	emerging	emerge	VERB
framr-4076	1009	5	markets	market	NOUN
framr-4076	1009	6	:	:	PUNCT
framr-4076	1009	7	the	the	DET
framr-4076	1009	8	role	role	NOUN
framr-4076	1009	9	of	of	ADP
framr-4076	1009	10	emotions	emotion	NOUN
framr-4076	1009	11	in	in	ADP
framr-4076	1009	12	shaping	shape	VERB
framr-4076	1009	13	consumer	consumer	NOUN
framr-4076	1009	14	behavior	behavior	NOUN
framr-4076	1009	15	.	.	PUNCT
framr-4076	1010	1	journal	journal	PROPN
framr-4076	1010	2	of	of	ADP
framr-4076	1010	3	international	international	ADJ
framr-4076	1010	4	marketing	marketing	NOUN
framr-4076	1010	5	,	,	PUNCT
framr-4076	1010	6	21(3	21(3	NUM
framr-4076	1010	7	)	)	PUNCT
framr-4076	1010	8	,	,	PUNCT
framr-4076	1010	9	1	1	NUM
framr-4076	1010	10	-	-	SYM
framr-4076	1010	11	21	21	NUM
framr-4076	1010	12	.	.	PUNCT
framr-4076	1011	1	mercuri	mercuri	PROPN
framr-4076	1011	2	,	,	PUNCT
framr-4076	1011	3	f.	f.	PROPN
framr-4076	1011	4	,	,	PUNCT
framr-4076	1011	5	della	della	PROPN
framr-4076	1011	6	corte	corte	PROPN
framr-4076	1011	7	,	,	PUNCT
framr-4076	1011	8	g.	g.	PROPN
framr-4076	1011	9	,	,	PUNCT
framr-4076	1011	10	&	&	CCONJ
framr-4076	1011	11	ricci	ricci	PROPN
framr-4076	1011	12	,	,	PUNCT
framr-4076	1011	13	f.	f.	PROPN
framr-4076	1011	14	(	(	PUNCT
framr-4076	1011	15	2021	2021	NUM
framr-4076	1011	16	)	)	PUNCT
framr-4076	1011	17	.	.	PUNCT
framr-4076	1012	1	blockchain	blockchain	PROPN
framr-4076	1012	2	technology	technology	PROPN
framr-4076	1012	3	and	and	CCONJ
framr-4076	1012	4	sustainable	sustainable	ADJ
framr-4076	1012	5	business	business	NOUN
framr-4076	1012	6	models	model	NOUN
framr-4076	1012	7	:	:	PUNCT
framr-4076	1012	8	a	a	DET
framr-4076	1012	9	case	case	NOUN
framr-4076	1012	10	study	study	NOUN
framr-4076	1012	11	of	of	ADP
framr-4076	1012	12	devoleum	devoleum	NOUN
framr-4076	1012	13	.	.	PROPN
framr-4076	1013	1	sustainability	sustainability	PROPN
framr-4076	1013	2	,	,	PUNCT
framr-4076	1013	3	13(10	13(10	NUM
framr-4076	1013	4	)	)	PUNCT
framr-4076	1013	5	,	,	PUNCT
framr-4076	1013	6	5619	5619	NUM
framr-4076	1013	7	.	.	PUNCT
framr-4076	1014	1	https://doi.org/10.3390/su13105619	https://doi.org/10.3390/su13105619	PROPN
framr-4076	1014	2	milne	milne	PROPN
framr-4076	1014	3	,	,	PUNCT
framr-4076	1014	4	a.	a.	PROPN
framr-4076	1014	5	,	,	PUNCT
framr-4076	1014	6	&	&	CCONJ
framr-4076	1014	7	parboteeah	parboteeah	PROPN
framr-4076	1014	8	,	,	PUNCT
framr-4076	1014	9	p.	p.	NOUN
framr-4076	1014	10	(	(	PUNCT
framr-4076	1014	11	2016	2016	NUM
framr-4076	1014	12	)	)	PUNCT
framr-4076	1014	13	.	.	PUNCT
framr-4076	1015	1	the	the	DET
framr-4076	1015	2	business	business	NOUN
framr-4076	1015	3	models	model	NOUN
framr-4076	1015	4	and	and	CCONJ
framr-4076	1015	5	economics	economic	NOUN
framr-4076	1015	6	of	of	ADP
framr-4076	1015	7	peer	peer	NOUN
framr-4076	1015	8	-	-	PUNCT
framr-4076	1015	9	to	to	ADP
framr-4076	1015	10	-	-	PUNCT
framr-4076	1015	11	peer	peer	NOUN
framr-4076	1015	12	lending	lending	NOUN
framr-4076	1015	13	.	.	PUNCT
framr-4076	1016	1	ssrn	ssrn	PROPN
framr-4076	1016	2	electronic	electronic	ADJ
framr-4076	1016	3	journal	journal	PROPN
framr-4076	1016	4	.	.	PUNCT
framr-4076	1017	1	https://doi.org/10.2139/ssrn.2763682	https://doi.org/10.2139/ssrn.2763682	PROPN
framr-4076	1017	2	mitchell	mitchell	PROPN
framr-4076	1017	3	,	,	PUNCT
framr-4076	1017	4	l.	l.	PROPN
framr-4076	1017	5	d.	d.	PROPN
framr-4076	1017	6	,	,	PUNCT
framr-4076	1017	7	&	&	CCONJ
framr-4076	1017	8	ramey	ramey	PROPN
framr-4076	1017	9	,	,	PUNCT
framr-4076	1017	10	w.	w.	PROPN
framr-4076	1017	11	d.	d.	PROPN
framr-4076	1017	12	(	(	PUNCT
framr-4076	1017	13	2011	2011	NUM
framr-4076	1017	14	)	)	PUNCT
framr-4076	1017	15	.	.	PUNCT
framr-4076	1018	1	look	look	VERB
framr-4076	1018	2	how	how	SCONJ
framr-4076	1018	3	green	green	ADJ
framr-4076	1018	4	i	i	PRON
framr-4076	1018	5	am	be	AUX
framr-4076	1018	6	!	!	PUNCT
framr-4076	1019	1	an	an	DET
framr-4076	1019	2	individual	individual	ADJ
framr-4076	1019	3	-	-	PUNCT
framr-4076	1019	4	level	level	NOUN
framr-4076	1019	5	explanation	explanation	NOUN
framr-4076	1019	6	for	for	ADP
framr-4076	1019	7	greenwashing	greenwashing	NOUN
framr-4076	1019	8	.	.	PUNCT
framr-4076	1020	1	journal	journal	PROPN
framr-4076	1020	2	of	of	ADP
framr-4076	1020	3	applied	apply	VERB
framr-4076	1020	4	business	business	NOUN
framr-4076	1020	5	and	and	CCONJ
framr-4076	1020	6	economics	economic	NOUN
framr-4076	1020	7	,	,	PUNCT
framr-4076	1020	8	12(6	12(6	NUM
framr-4076	1020	9	)	)	PUNCT
framr-4076	1020	10	,	,	PUNCT
framr-4076	1020	11	40	40	NUM
framr-4076	1020	12	-	-	SYM
framr-4076	1020	13	45	45	NUM
framr-4076	1020	14	.	.	PUNCT
framr-4076	1021	1	moenjak	moenjak	ADV
framr-4076	1021	2	,	,	PUNCT
framr-4076	1021	3	t.	t.	PROPN
framr-4076	1021	4	,	,	PUNCT
framr-4076	1021	5	kongprajya	kongprajya	PROPN
framr-4076	1021	6	,	,	PUNCT
framr-4076	1021	7	a.	a.	NOUN
framr-4076	1021	8	,	,	PUNCT
framr-4076	1021	9	&	&	CCONJ
framr-4076	1021	10	monchaitrakul	monchaitrakul	PROPN
framr-4076	1021	11	,	,	PUNCT
framr-4076	1021	12	c.	c.	PROPN
framr-4076	1021	13	(	(	PUNCT
framr-4076	1021	14	2020	2020	NUM
framr-4076	1021	15	)	)	PUNCT
framr-4076	1021	16	.	.	PUNCT
framr-4076	1022	1	fintech	fintech	NOUN
framr-4076	1022	2	,	,	PUNCT
framr-4076	1022	3	financial	financial	ADJ
framr-4076	1022	4	literacy	literacy	NOUN
framr-4076	1022	5	,	,	PUNCT
framr-4076	1022	6	and	and	CCONJ
framr-4076	1022	7	consumer	consumer	NOUN
framr-4076	1022	8	saving	saving	NOUN
framr-4076	1022	9	and	and	CCONJ
framr-4076	1022	10	borrowing	borrowing	NOUN
framr-4076	1022	11	:	:	PUNCT
framr-4076	1022	12	the	the	DET
framr-4076	1022	13	case	case	NOUN
framr-4076	1022	14	of	of	ADP
framr-4076	1022	15	thailand	thailand	PROPN
framr-4076	1022	16	.	.	PUNCT
framr-4076	1023	1	adbi	adbi	ADJ
framr-4076	1023	2	working	working	PROPN
framr-4076	1023	3	paper	paper	NOUN
framr-4076	1023	4	series	series	NOUN
framr-4076	1023	5	.	.	PUNCT
framr-4076	1024	1	no	no	INTJ
framr-4076	1024	2	.	.	NOUN
framr-4076	1025	1	1100	1100	NUM
framr-4076	1025	2	.	.	PUNCT
framr-4076	1026	1	monyei	monyei	PROPN
framr-4076	1026	2	,	,	PUNCT
framr-4076	1026	3	c.	c.	PROPN
framr-4076	1026	4	g.	g.	PROPN
framr-4076	1026	5	,	,	PUNCT
framr-4076	1026	6	&	&	CCONJ
framr-4076	1026	7	jenkins	jenkins	PROPN
framr-4076	1026	8	,	,	PUNCT
framr-4076	1026	9	k.	k.	PROPN
framr-4076	1026	10	e.	e.	PROPN
framr-4076	1026	11	(	(	PUNCT
framr-4076	1026	12	2018	2018	NUM
framr-4076	1026	13	)	)	PUNCT
framr-4076	1026	14	.	.	PUNCT
framr-4076	1027	1	electrons	electron	NOUN
framr-4076	1027	2	have	have	VERB
framr-4076	1027	3	no	no	DET
framr-4076	1027	4	identity	identity	NOUN
framr-4076	1027	5	:	:	PUNCT
framr-4076	1027	6	setting	set	VERB
framr-4076	1027	7	right	right	ADJ
framr-4076	1027	8	misrepresentations	misrepresentation	NOUN
framr-4076	1027	9	in	in	ADP
framr-4076	1027	10	google	google	PROPN
framr-4076	1027	11	and	and	CCONJ
framr-4076	1027	12	apple	apple	NOUN
framr-4076	1027	13	’s	’s	PART
framr-4076	1027	14	clean	clean	ADJ
framr-4076	1027	15	energy	energy	NOUN
framr-4076	1027	16	purchasing	purchasing	NOUN
framr-4076	1027	17	.	.	PUNCT
framr-4076	1028	1	energy	energy	NOUN
framr-4076	1028	2	research	research	NOUN
framr-4076	1028	3	&	&	CCONJ
framr-4076	1028	4	social	social	ADJ
framr-4076	1028	5	science	science	NOUN
framr-4076	1028	6	,	,	PUNCT
framr-4076	1028	7	46	46	NUM
framr-4076	1028	8	,	,	PUNCT
framr-4076	1028	9	48	48	NUM
framr-4076	1028	10	-	-	SYM
framr-4076	1028	11	51	51	NUM
framr-4076	1028	12	.	.	PUNCT
framr-4076	1029	1	https://doi.org/10.1016/j.erss.2018.06.015	https://doi.org/10.1016/j.erss.2018.06.015	PROPN
framr-4076	1029	2	morningstar	morningstar	PROPN
framr-4076	1029	3	.	.	PUNCT
framr-4076	1030	1	(	(	PUNCT
framr-4076	1030	2	2023	2023	NUM
framr-4076	1030	3	)	)	PUNCT
framr-4076	1030	4	.	.	PUNCT
framr-4076	1031	1	global	global	ADJ
framr-4076	1031	2	sustainable	sustainable	ADJ
framr-4076	1031	3	fund	fund	NOUN
framr-4076	1031	4	flows	flow	VERB
framr-4076	1031	5	:	:	PUNCT
framr-4076	1031	6	q4	q4	PROPN
framr-4076	1031	7	2022	2022	NUM
framr-4076	1031	8	in	in	ADP
framr-4076	1031	9	review	review	NOUN
framr-4076	1031	10	.	.	PUNCT
framr-4076	1032	1	retrieved	retrieve	VERB
framr-4076	1032	2	from	from	ADP
framr-4076	1032	3	https://www.morningstar.com/lp/global-esg-flows	https://www.morningstar.com/lp/global-esg-flow	NOUN
framr-4076	1032	4	moro	moro	PROPN
framr-4076	1032	5	-	-	PUNCT
framr-4076	1032	6	visconti	visconti	PROPN
framr-4076	1032	7	,	,	PUNCT
framr-4076	1032	8	r.	r.	PROPN
framr-4076	1032	9	,	,	PUNCT
framr-4076	1032	10	cruz	cruz	PROPN
framr-4076	1032	11	rambaud	rambaud	PROPN
framr-4076	1032	12	,	,	PUNCT
framr-4076	1032	13	s.	s.	PROPN
framr-4076	1032	14	,	,	PUNCT
framr-4076	1032	15	&	&	CCONJ
framr-4076	1032	16	lópez	lópez	PROPN
framr-4076	1032	17	pascual	pascual	PROPN
framr-4076	1032	18	,	,	PUNCT
framr-4076	1032	19	j.	j.	PROPN
framr-4076	1032	20	(	(	PUNCT
framr-4076	1032	21	2020	2020	NUM
framr-4076	1032	22	)	)	PUNCT
framr-4076	1032	23	.	.	PUNCT
framr-4076	1033	1	sustainability	sustainability	NOUN
framr-4076	1033	2	in	in	ADP
framr-4076	1033	3	fintechs	fintech	NOUN
framr-4076	1033	4	:	:	PUNCT
framr-4076	1033	5	an	an	DET
framr-4076	1033	6	explanation	explanation	NOUN
framr-4076	1033	7	through	through	ADP
framr-4076	1033	8	business	business	NOUN
framr-4076	1033	9	model	model	NOUN
framr-4076	1033	10	scalability	scalability	NOUN
framr-4076	1033	11	and	and	CCONJ
framr-4076	1033	12	market	market	NOUN
framr-4076	1033	13	valuation	valuation	NOUN
framr-4076	1033	14	.	.	PUNCT
framr-4076	1034	1	sustainability	sustainability	NOUN
framr-4076	1034	2	,	,	PUNCT
framr-4076	1034	3	12(24	12(24	NUM
framr-4076	1034	4	)	)	PUNCT
framr-4076	1034	5	,	,	PUNCT
framr-4076	1034	6	10316	10316	NUM
framr-4076	1034	7	.	.	PUNCT
framr-4076	1035	1	https://doi.org/10.3390/su122410316	https://doi.org/10.3390/su122410316	PROPN
framr-4076	1035	2	ndubisi	ndubisi	PROPN
framr-4076	1035	3	,	,	PUNCT
framr-4076	1035	4	n.	n.	PROPN
framr-4076	1035	5	o.	o.	PROPN
framr-4076	1035	6	,	,	PUNCT
framr-4076	1035	7	nygaard	nygaard	PROPN
framr-4076	1035	8	,	,	PUNCT
framr-4076	1035	9	a.	a.	PROPN
framr-4076	1035	10	,	,	PUNCT
framr-4076	1035	11	&	&	CCONJ
framr-4076	1035	12	chunwe	chunwe	PROPN
framr-4076	1035	13	,	,	PUNCT
framr-4076	1035	14	n.	n.	PROPN
framr-4076	1035	15	g.	g.	PROPN
framr-4076	1035	16	(	(	PUNCT
framr-4076	1035	17	2020	2020	NUM
framr-4076	1035	18	)	)	PUNCT
framr-4076	1035	19	.	.	PUNCT
framr-4076	1036	1	managing	manage	VERB
framr-4076	1036	2	sustainability	sustainability	NOUN
framr-4076	1036	3	tensions	tension	NOUN
framr-4076	1036	4	in	in	ADP
framr-4076	1036	5	global	global	ADJ
framr-4076	1036	6	supply	supply	NOUN
framr-4076	1036	7	chains	chain	NOUN
framr-4076	1036	8	:	:	PUNCT
framr-4076	1036	9	specific	specific	ADJ
framr-4076	1036	10	investments	investment	NOUN
framr-4076	1036	11	in	in	ADP
framr-4076	1036	12	closed	closed	ADJ
framr-4076	1036	13	-	-	PUNCT
framr-4076	1036	14	loop	loop	NOUN
framr-4076	1036	15	technology	technology	NOUN
framr-4076	1036	16	vs	vs	ADP
framr-4076	1036	17	‘	'	PUNCT
framr-4076	1036	18	blood	blood	NOUN
framr-4076	1036	19	metals	metal	NOUN
framr-4076	1036	20	’	'	PUNCT
framr-4076	1036	21	.	.	PUNCT
framr-4076	1037	1	production	production	NOUN
framr-4076	1037	2	planning	planning	PROPN
framr-4076	1037	3	&	&	CCONJ
framr-4076	1037	4	control	control	PROPN
framr-4076	1037	5	,	,	PUNCT
framr-4076	1037	6	31(11	31(11	NUM
framr-4076	1037	7	-	-	SYM
framr-4076	1037	8	12	12	NUM
framr-4076	1037	9	)	)	PUNCT
framr-4076	1037	10	,	,	PUNCT
framr-4076	1037	11	1005	1005	NUM
framr-4076	1037	12	-	-	SYM
framr-4076	1037	13	1013	1013	NUM
framr-4076	1037	14	.	.	PUNCT
framr-4076	1038	1	https://doi.org/10.1080/09537287.2019.1695921	https://doi.org/10.1080/09537287.2019.1695921	X
framr-4076	1038	2	nemes	neme	NOUN
framr-4076	1038	3	,	,	PUNCT
framr-4076	1038	4	n.	n.	NOUN
framr-4076	1038	5	,	,	PUNCT
framr-4076	1038	6	scanlan	scanlan	PROPN
framr-4076	1038	7	,	,	PUNCT
framr-4076	1038	8	s.	s.	PROPN
framr-4076	1038	9	j.	j.	PROPN
framr-4076	1038	10	,	,	PUNCT
framr-4076	1038	11	smith	smith	PROPN
framr-4076	1038	12	,	,	PUNCT
framr-4076	1038	13	p.	p.	PROPN
framr-4076	1038	14	,	,	PUNCT
framr-4076	1038	15	smith	smith	PROPN
framr-4076	1038	16	,	,	PUNCT
framr-4076	1038	17	t.	t.	PROPN
framr-4076	1038	18	,	,	PUNCT
framr-4076	1038	19	aronczyk	aronczyk	ADJ
framr-4076	1038	20	,	,	PUNCT
framr-4076	1038	21	m.	m.	NOUN
framr-4076	1038	22	,	,	PUNCT
framr-4076	1038	23	hill	hill	PROPN
framr-4076	1038	24	,	,	PUNCT
framr-4076	1038	25	s.	s.	PROPN
framr-4076	1038	26	,	,	PUNCT
framr-4076	1038	27	.	.	PUNCT
framr-4076	1038	28	.	.	PUNCT
framr-4076	1038	29	.	.	PUNCT
framr-4076	1039	1	stabinsky	stabinsky	PROPN
framr-4076	1039	2	,	,	PUNCT
framr-4076	1039	3	d.	d.	PROPN
framr-4076	1039	4	(	(	PUNCT
framr-4076	1039	5	2022	2022	NUM
framr-4076	1039	6	)	)	PUNCT
framr-4076	1039	7	.	.	PUNCT
framr-4076	1040	1	an	an	DET
framr-4076	1040	2	integrated	integrate	VERB
framr-4076	1040	3	framework	framework	NOUN
framr-4076	1040	4	to	to	PART
framr-4076	1040	5	assess	assess	VERB
framr-4076	1040	6	greenwashing	greenwashing	NOUN
framr-4076	1040	7	.	.	PUNCT
framr-4076	1041	1	sustainability	sustainability	NOUN
framr-4076	1041	2	,	,	PUNCT
framr-4076	1041	3	14(8	14(8	NUM
framr-4076	1041	4	)	)	PUNCT
framr-4076	1041	5	,	,	PUNCT
framr-4076	1041	6	4431	4431	NUM
framr-4076	1041	7	.	.	PUNCT
framr-4076	1042	1	https://doi.org/10.3390/su14084431	https://doi.org/10.3390/su14084431	PROPN
framr-4076	1042	2	nygaard	nygaard	PROPN
framr-4076	1042	3	,	,	PUNCT
framr-4076	1042	4	a.	a.	NOUN
framr-4076	1042	5	(	(	PUNCT
framr-4076	1042	6	2023	2023	NUM
framr-4076	1042	7	)	)	PUNCT
framr-4076	1042	8	.	.	PUNCT
framr-4076	1042	9	is	be	AUX
framr-4076	1042	10	sustainable	sustainable	ADJ
framr-4076	1042	11	certification	certification	NOUN
framr-4076	1042	12	's	's	PART
framr-4076	1042	13	ability	ability	NOUN
framr-4076	1042	14	to	to	PART
framr-4076	1042	15	combat	combat	VERB
framr-4076	1042	16	greenwashing	greenwashe	VERB
framr-4076	1042	17	trustworthy	trustworthy	ADJ
framr-4076	1042	18	?	?	PUNCT
framr-4076	1043	1	frontiers	frontier	NOUN
framr-4076	1043	2	in	in	ADP
framr-4076	1043	3	sustainability	sustainability	NOUN
framr-4076	1043	4	,	,	PUNCT
framr-4076	1043	5	4	4	NUM
framr-4076	1043	6	,	,	PUNCT
framr-4076	1043	7	1188069	1188069	NUM
framr-4076	1043	8	.	.	PUNCT
framr-4076	1044	1	https://doi.org/10.3389/frsus.2023.1188069	https://doi.org/10.3389/frsus.2023.1188069	PROPN
framr-4076	1044	2	nygaard	nygaard	PROPN
framr-4076	1044	3	,	,	PUNCT
framr-4076	1044	4	a.	a.	PROPN
framr-4076	1044	5	,	,	PUNCT
framr-4076	1044	6	&	&	CCONJ
framr-4076	1044	7	silkoset	silkoset	PROPN
framr-4076	1044	8	,	,	PUNCT
framr-4076	1044	9	r.	r.	PROPN
framr-4076	1044	10	(	(	PUNCT
framr-4076	1044	11	2023	2023	NUM
framr-4076	1044	12	)	)	PUNCT
framr-4076	1044	13	.	.	PUNCT
framr-4076	1045	1	sustainable	sustainable	ADJ
framr-4076	1045	2	development	development	NOUN
framr-4076	1045	3	and	and	CCONJ
framr-4076	1045	4	greenwashing	greenwashing	NOUN
framr-4076	1045	5	:	:	PUNCT
framr-4076	1045	6	how	how	SCONJ
framr-4076	1045	7	blockchain	blockchain	PROPN
framr-4076	1045	8	technology	technology	PROPN
framr-4076	1045	9	information	information	NOUN
framr-4076	1045	10	can	can	AUX
framr-4076	1045	11	empower	empower	VERB
framr-4076	1045	12	green	green	ADJ
framr-4076	1045	13	consumers	consumer	NOUN
framr-4076	1045	14	.	.	PUNCT
framr-4076	1046	1	business	business	NOUN
framr-4076	1046	2	strategy	strategy	NOUN
framr-4076	1046	3	and	and	CCONJ
framr-4076	1046	4	the	the	DET
framr-4076	1046	5	environment	environment	NOUN
framr-4076	1046	6	,	,	PUNCT
framr-4076	1046	7	32(6	32(6	NUM
framr-4076	1046	8	)	)	PUNCT
framr-4076	1046	9	,	,	PUNCT
framr-4076	1046	10	3801	3801	NUM
framr-4076	1046	11	-	-	SYM
framr-4076	1046	12	3813	3813	NUM
framr-4076	1046	13	.	.	PUNCT
framr-4076	1047	1	https://doi.org/10.1002/bse.3338	https://doi.org/10.1002/bse.3338	PROPN
framr-4076	1047	2	ochoa	ochoa	PROPN
framr-4076	1047	3	,	,	PUNCT
framr-4076	1047	4	f.	f.	PROPN
framr-4076	1047	5	,	,	PUNCT
framr-4076	1047	6	&	&	CCONJ
framr-4076	1047	7	holger	holger	PROPN
framr-4076	1047	8	,	,	PUNCT
framr-4076	1047	9	d.	d.	PROPN
framr-4076	1047	10	(	(	PUNCT
framr-4076	1047	11	2020	2020	NUM
framr-4076	1047	12	)	)	PUNCT
framr-4076	1047	13	.	.	PUNCT
framr-4076	1048	1	how	how	SCONJ
framr-4076	1048	2	to	to	PART
framr-4076	1048	3	tell	tell	VERB
framr-4076	1048	4	if	if	SCONJ
framr-4076	1048	5	a	a	DET
framr-4076	1048	6	‘	'	PUNCT
framr-4076	1048	7	sustainable’business	sustainable’business	NOUN
framr-4076	1048	8	is	be	AUX
framr-4076	1048	9	‘	'	PUNCT
framr-4076	1048	10	greenwashing	greenwashe	VERB
framr-4076	1048	11	.	.	PUNCT
framr-4076	1048	12	’	'	PUNCT
framr-4076	1048	13	.	.	PUNCT
framr-4076	1049	1	the	the	DET
framr-4076	1049	2	wall	wall	PROPN
framr-4076	1049	3	street	street	PROPN
framr-4076	1049	4	journal	journal	PROPN
framr-4076	1049	5	.	.	PUNCT
framr-4076	1050	1	parguel	parguel	PROPN
framr-4076	1050	2	,	,	PUNCT
framr-4076	1050	3	b.	b.	PROPN
framr-4076	1050	4	,	,	PUNCT
framr-4076	1050	5	benoit	benoit	NOUN
framr-4076	1050	6	-	-	PUNCT
framr-4076	1050	7	moreau	moreau	PROPN
framr-4076	1050	8	,	,	PUNCT
framr-4076	1050	9	f.	f.	PROPN
framr-4076	1050	10	,	,	PUNCT
framr-4076	1050	11	&	&	CCONJ
framr-4076	1050	12	russell	russell	PROPN
framr-4076	1050	13	,	,	PUNCT
framr-4076	1050	14	c.	c.	PROPN
framr-4076	1050	15	a.	a.	PROPN
framr-4076	1050	16	(	(	PUNCT
framr-4076	1050	17	2015	2015	NUM
framr-4076	1050	18	)	)	PUNCT
framr-4076	1050	19	.	.	PUNCT
framr-4076	1051	1	can	can	AUX
framr-4076	1051	2	evoking	evoke	VERB
framr-4076	1051	3	nature	nature	NOUN
framr-4076	1051	4	in	in	ADP
framr-4076	1051	5	advertising	advertising	NOUN
framr-4076	1051	6	mislead	mislead	NOUN
framr-4076	1051	7	consumers	consumer	NOUN
framr-4076	1051	8	?	?	PUNCT
framr-4076	1052	1	the	the	DET
framr-4076	1052	2	power	power	NOUN
framr-4076	1052	3	of	of	ADP
framr-4076	1052	4	‘	'	PUNCT
framr-4076	1052	5	executional	executional	ADJ
framr-4076	1052	6	greenwashing	greenwashing	NOUN
framr-4076	1052	7	'	'	PUNCT
framr-4076	1052	8	.	.	PUNCT
framr-4076	1053	1	international	international	ADJ
framr-4076	1053	2	journal	journal	NOUN
framr-4076	1053	3	of	of	ADP
framr-4076	1053	4	advertising	advertising	NOUN
framr-4076	1053	5	,	,	PUNCT
framr-4076	1053	6	34(1	34(1	NUM
framr-4076	1053	7	)	)	PUNCT
framr-4076	1053	8	,	,	PUNCT
framr-4076	1053	9	107	107	NUM
framr-4076	1053	10	-	-	SYM
framr-4076	1053	11	134	134	NUM
framr-4076	1053	12	.	.	PUNCT
framr-4076	1054	1	https://doi.org/10.1080/02650487.2014.996116	https://doi.org/10.1080/02650487.2014.996116	PROPN
framr-4076	1054	2	park	park	NOUN
framr-4076	1054	3	,	,	PUNCT
framr-4076	1054	4	j.	j.	PROPN
framr-4076	1054	5	y.	y.	PROPN
framr-4076	1054	6	,	,	PUNCT
framr-4076	1054	7	ryu	ryu	PROPN
framr-4076	1054	8	,	,	PUNCT
framr-4076	1054	9	j.	j.	PROPN
framr-4076	1054	10	p.	p.	PROPN
framr-4076	1054	11	,	,	PUNCT
framr-4076	1054	12	&	&	CCONJ
framr-4076	1054	13	shin	shin	PROPN
framr-4076	1054	14	,	,	PUNCT
framr-4076	1054	15	h.	h.	PROPN
framr-4076	1054	16	j.	j.	PROPN
framr-4076	1054	17	(	(	PUNCT
framr-4076	1054	18	2016	2016	NUM
framr-4076	1054	19	)	)	PUNCT
framr-4076	1054	20	.	.	PUNCT
framr-4076	1055	1	robo	robo	NOUN
framr-4076	1055	2	advisors	advisor	NOUN
framr-4076	1055	3	for	for	ADP
framr-4076	1055	4	portfolio	portfolio	NOUN
framr-4076	1055	5	management	management	NOUN
framr-4076	1055	6	.	.	PUNCT
framr-4076	1056	1	advanced	advanced	ADJ
framr-4076	1056	2	science	science	NOUN
framr-4076	1056	3	and	and	CCONJ
framr-4076	1056	4	technology	technology	NOUN
framr-4076	1056	5	letters	letter	NOUN
framr-4076	1056	6	,	,	PUNCT
framr-4076	1056	7	141(1	141(1	NUM
framr-4076	1056	8	)	)	PUNCT
framr-4076	1056	9	,	,	PUNCT
framr-4076	1056	10	104108	104108	NUM
framr-4076	1056	11	.	.	PUNCT
framr-4076	1057	1	https://doi.org/10.14257/astl.2016.141.21	https://doi.org/10.14257/astl.2016.141.21	PROPN
framr-4076	1057	2	paulet	paulet	PROPN
framr-4076	1057	3	,	,	PUNCT
framr-4076	1057	4	e.	e.	PROPN
framr-4076	1057	5	,	,	PUNCT
framr-4076	1057	6	parnaudeau	parnaudeau	PROPN
framr-4076	1057	7	,	,	PUNCT
framr-4076	1057	8	m.	m.	NOUN
framr-4076	1057	9	,	,	PUNCT
framr-4076	1057	10	&	&	CCONJ
framr-4076	1057	11	relano	relano	PROPN
framr-4076	1057	12	,	,	PUNCT
framr-4076	1057	13	f.	f.	PROPN
framr-4076	1057	14	(	(	PUNCT
framr-4076	1057	15	2015	2015	NUM
framr-4076	1057	16	)	)	PUNCT
framr-4076	1057	17	.	.	PUNCT
framr-4076	1058	1	banking	bank	VERB
framr-4076	1058	2	with	with	ADP
framr-4076	1058	3	ethics	ethic	NOUN
framr-4076	1058	4	:	:	PUNCT
framr-4076	1058	5	strategic	strategic	ADJ
framr-4076	1058	6	moves	move	NOUN
framr-4076	1058	7	and	and	CCONJ
framr-4076	1058	8	structural	structural	ADJ
framr-4076	1058	9	changes	change	NOUN
framr-4076	1058	10	of	of	ADP
framr-4076	1058	11	the	the	DET
framr-4076	1058	12	banking	banking	NOUN
framr-4076	1058	13	industry	industry	NOUN
framr-4076	1058	14	in	in	ADP
framr-4076	1058	15	the	the	DET
framr-4076	1058	16	aftermath	aftermath	NOUN
framr-4076	1058	17	of	of	ADP
framr-4076	1058	18	the	the	DET
framr-4076	1058	19	subprime	subprime	ADJ
framr-4076	1058	20	mortgage	mortgage	NOUN
framr-4076	1058	21	crisis	crisis	NOUN
framr-4076	1058	22	.	.	PUNCT
framr-4076	1059	1	journal	journal	PROPN
framr-4076	1059	2	of	of	ADP
framr-4076	1059	3	business	business	NOUN
framr-4076	1059	4	ethics	ethic	NOUN
framr-4076	1059	5	,	,	PUNCT
framr-4076	1059	6	131(1	131(1	NUM
framr-4076	1059	7	)	)	PUNCT
framr-4076	1059	8	,	,	PUNCT
framr-4076	1059	9	199	199	NUM
framr-4076	1059	10	-	-	SYM
framr-4076	1059	11	207	207	NUM
framr-4076	1059	12	.	.	PUNCT
framr-4076	1060	1	https://doi.org/10.1007/s10551014-2274-9	https://doi.org/10.1007/s10551014-2274-9	ADJ
framr-4076	1060	2	penttilä	penttilä	NOUN
framr-4076	1060	3	,	,	PUNCT
framr-4076	1060	4	m.	m.	NOUN
framr-4076	1060	5	,	,	PUNCT
framr-4076	1060	6	siira	siira	PROPN
framr-4076	1060	7	,	,	PUNCT
framr-4076	1060	8	e.	e.	PROPN
framr-4076	1060	9	,	,	PUNCT
framr-4076	1060	10	&	&	CCONJ
framr-4076	1060	11	tihinen	tihinen	PROPN
framr-4076	1060	12	,	,	PUNCT
framr-4076	1060	13	m.	m.	NOUN
framr-4076	1060	14	(	(	PUNCT
framr-4076	1060	15	2016	2016	NUM
framr-4076	1060	16	)	)	PUNCT
framr-4076	1060	17	.	.	PUNCT
framr-4076	1061	1	mobile	mobile	ADJ
framr-4076	1061	2	payment	payment	NOUN
framr-4076	1061	3	ecosystems	ecosystem	NOUN
framr-4076	1061	4	in	in	ADP
framr-4076	1061	5	transition	transition	NOUN
framr-4076	1061	6	.	.	PUNCT
framr-4076	1062	1	international	international	ADJ
framr-4076	1062	2	journal	journal	PROPN
framr-4076	1062	3	of	of	ADP
framr-4076	1062	4	scientific	scientific	ADJ
framr-4076	1062	5	and	and	CCONJ
framr-4076	1062	6	technical	technical	ADJ
framr-4076	1062	7	research	research	NOUN
framr-4076	1062	8	in	in	ADP
framr-4076	1062	9	engineering	engineering	NOUN
framr-4076	1062	10	,	,	PUNCT
framr-4076	1062	11	1(6	1(6	NUM
framr-4076	1062	12	)	)	PUNCT
framr-4076	1062	13	,	,	PUNCT
framr-4076	1062	14	1	1	NUM
framr-4076	1062	15	-	-	SYM
framr-4076	1062	16	15	15	NUM
framr-4076	1062	17	.	.	PUNCT
framr-4076	1063	1	https://doi.org/10.1111/j.1530-9134.2010.00282.x	https://doi.org/10.1111/j.1530-9134.2010.00282.x	PROPN
framr-4076	1063	2	https://doi.org/10.48047/intjecse/v16i1.20	https://doi.org/10.48047/intjecse/v16i1.20	PROPN
framr-4076	1063	3	https://doi.org/10.1016/j.jclepro.2022.132567	https://doi.org/10.1016/j.jclepro.2022.132567	PROPN
framr-4076	1063	4	https://doi.org/10.3390/su13105619	https://doi.org/10.3390/su13105619	ADP
framr-4076	1063	5	https://doi.org/10.2139/ssrn.2763682	https://doi.org/10.2139/ssrn.2763682	PROPN
framr-4076	1063	6	https://doi.org/10.1016/j.erss.2018.06.015	https://doi.org/10.1016/j.erss.2018.06.015	PROPN
framr-4076	1063	7	https://www.morningstar.com/lp/global-esg-flows	https://www.morningstar.com/lp/global-esg-flow	VERB
framr-4076	1063	8	https://doi.org/10.3390/su122410316	https://doi.org/10.3390/su122410316	PROPN
framr-4076	1063	9	https://doi.org/10.1080/09537287.2019.1695921	https://doi.org/10.1080/09537287.2019.1695921	NOUN
framr-4076	1063	10	https://doi.org/10.3390/su14084431	https://doi.org/10.3390/su14084431	PUNCT
framr-4076	1064	1	https://doi.org/10.3389/frsus.2023.1188069	https://doi.org/10.3389/frsus.2023.1188069	PROPN
framr-4076	1064	2	https://doi.org/10.1002/bse.3338	https://doi.org/10.1002/bse.3338	PROPN
framr-4076	1064	3	https://doi.org/10.1080/02650487.2014.996116	https://doi.org/10.1080/02650487.2014.996116	PART
framr-4076	1064	4	https://doi.org/10.14257/astl.2016.141.21	https://doi.org/10.14257/astl.2016.141.21	PROPN
framr-4076	1064	5	https://doi.org/10.1007/s10551-014-2274-9	https://doi.org/10.1007/s10551-014-2274-9	NUM
framr-4076	1064	6	https://doi.org/10.1007/s10551-014-2274-9	https://doi.org/10.1007/s10551-014-2274-9	NUM
framr-4076	1064	7	financial	financial	ADJ
framr-4076	1064	8	risk	risk	NOUN
framr-4076	1064	9	and	and	CCONJ
framr-4076	1064	10	management	management	NOUN
framr-4076	1064	11	reviews	review	NOUN
framr-4076	1064	12	,	,	PUNCT
framr-4076	1064	13	2025	2025	NUM
framr-4076	1064	14	,	,	PUNCT
framr-4076	1064	15	11(1	11(1	NUM
framr-4076	1064	16	):	):	PUNCT
framr-4076	1064	17	37	37	NUM
framr-4076	1064	18	-	-	SYM
framr-4076	1064	19	71	71	NUM
framr-4076	1064	20	70	70	NUM
framr-4076	1064	21	©	©	PROPN
framr-4076	1064	22	2025	2025	NUM
framr-4076	1064	23	conscientia	conscientia	PROPN
framr-4076	1064	24	beam	beam	PROPN
framr-4076	1064	25	.	.	PUNCT
framr-4076	1065	1	all	all	DET
framr-4076	1065	2	rights	right	NOUN
framr-4076	1065	3	reserved	reserve	VERB
framr-4076	1065	4	.	.	PUNCT
framr-4076	1066	1	phoon	phoon	PROPN
framr-4076	1066	2	,	,	PUNCT
framr-4076	1066	3	k.	k.	PROPN
framr-4076	1066	4	f.	f.	PROPN
framr-4076	1066	5	,	,	PUNCT
framr-4076	1066	6	&	&	CCONJ
framr-4076	1066	7	koh	koh	PROPN
framr-4076	1066	8	,	,	PUNCT
framr-4076	1066	9	c.	c.	PROPN
framr-4076	1066	10	c.	c.	PROPN
framr-4076	1066	11	f.	f.	PROPN
framr-4076	1066	12	(	(	PUNCT
framr-4076	1066	13	2018	2018	NUM
framr-4076	1066	14	)	)	PUNCT
framr-4076	1066	15	.	.	PUNCT
framr-4076	1067	1	robo	robo	NOUN
framr-4076	1067	2	-	-	PUNCT
framr-4076	1067	3	advisors	advisor	NOUN
framr-4076	1067	4	and	and	CCONJ
framr-4076	1067	5	wealth	wealth	NOUN
framr-4076	1067	6	management	management	NOUN
framr-4076	1067	7	.	.	PUNCT
framr-4076	1068	1	journal	journal	NOUN
framr-4076	1068	2	of	of	ADP
framr-4076	1068	3	alternative	alternative	ADJ
framr-4076	1068	4	investments	investment	NOUN
framr-4076	1068	5	,	,	PUNCT
framr-4076	1068	6	20(3	20(3	NOUN
framr-4076	1068	7	)	)	PUNCT
framr-4076	1068	8	,	,	PUNCT
framr-4076	1068	9	79	79	NUM
framr-4076	1068	10	-	-	SYM
framr-4076	1068	11	94	94	NUM
framr-4076	1068	12	.	.	PUNCT
framr-4076	1069	1	pimonenko	pimonenko	PROPN
framr-4076	1069	2	,	,	PUNCT
framr-4076	1069	3	t.	t.	PROPN
framr-4076	1069	4	,	,	PUNCT
framr-4076	1069	5	bilan	bilan	PROPN
framr-4076	1069	6	,	,	PUNCT
framr-4076	1069	7	y.	y.	PROPN
framr-4076	1069	8	,	,	PUNCT
framr-4076	1069	9	horák	horák	ADV
framr-4076	1069	10	,	,	PUNCT
framr-4076	1069	11	j.	j.	PROPN
framr-4076	1069	12	,	,	PUNCT
framr-4076	1069	13	starchenko	starchenko	PROPN
framr-4076	1069	14	,	,	PUNCT
framr-4076	1069	15	l.	l.	PROPN
framr-4076	1069	16	,	,	PUNCT
framr-4076	1069	17	&	&	CCONJ
framr-4076	1069	18	gajda	gajda	PROPN
framr-4076	1069	19	,	,	PUNCT
framr-4076	1069	20	w.	w.	PROPN
framr-4076	1069	21	(	(	PUNCT
framr-4076	1069	22	2020	2020	NUM
framr-4076	1069	23	)	)	PUNCT
framr-4076	1069	24	.	.	PUNCT
framr-4076	1070	1	green	green	ADJ
framr-4076	1070	2	brand	brand	NOUN
framr-4076	1070	3	of	of	ADP
framr-4076	1070	4	companies	company	NOUN
framr-4076	1070	5	and	and	CCONJ
framr-4076	1070	6	greenwashing	greenwashe	VERB
framr-4076	1070	7	under	under	ADP
framr-4076	1070	8	sustainable	sustainable	ADJ
framr-4076	1070	9	development	development	NOUN
framr-4076	1070	10	goals	goal	NOUN
framr-4076	1070	11	.	.	PUNCT
framr-4076	1071	1	sustainability	sustainability	NOUN
framr-4076	1071	2	,	,	PUNCT
framr-4076	1071	3	12(4	12(4	NUM
framr-4076	1071	4	)	)	PUNCT
framr-4076	1071	5	,	,	PUNCT
framr-4076	1071	6	1679	1679	NUM
framr-4076	1071	7	.	.	PUNCT
framr-4076	1072	1	https://doi.org/10.3390/su12041679	https://doi.org/10.3390/su12041679	PRON
framr-4076	1072	2	pizzetti	pizzetti	NOUN
framr-4076	1072	3	,	,	PUNCT
framr-4076	1072	4	m.	m.	NOUN
framr-4076	1072	5	,	,	PUNCT
framr-4076	1072	6	gatti	gatti	PROPN
framr-4076	1072	7	,	,	PUNCT
framr-4076	1072	8	l.	l.	PROPN
framr-4076	1072	9	,	,	PUNCT
framr-4076	1072	10	&	&	CCONJ
framr-4076	1072	11	seele	seele	PROPN
framr-4076	1072	12	,	,	PUNCT
framr-4076	1072	13	p.	p.	NOUN
framr-4076	1072	14	(	(	PUNCT
framr-4076	1072	15	2021	2021	NUM
framr-4076	1072	16	)	)	PUNCT
framr-4076	1072	17	.	.	PUNCT
framr-4076	1073	1	firms	firm	NOUN
framr-4076	1073	2	talk	talk	VERB
framr-4076	1073	3	,	,	PUNCT
framr-4076	1073	4	suppliers	supplier	NOUN
framr-4076	1073	5	walk	walk	VERB
framr-4076	1073	6	:	:	PUNCT
framr-4076	1073	7	analyzing	analyze	VERB
framr-4076	1073	8	the	the	DET
framr-4076	1073	9	locus	locus	NOUN
framr-4076	1073	10	of	of	ADP
framr-4076	1073	11	greenwashing	greenwashe	VERB
framr-4076	1073	12	in	in	ADP
framr-4076	1073	13	the	the	DET
framr-4076	1073	14	blame	blame	NOUN
framr-4076	1073	15	game	game	NOUN
framr-4076	1073	16	and	and	CCONJ
framr-4076	1073	17	introducing	introduce	VERB
framr-4076	1073	18	‘	'	PUNCT
framr-4076	1073	19	vicarious	vicarious	ADJ
framr-4076	1073	20	greenwashing	greenwashing	NOUN
framr-4076	1073	21	’	'	PUNCT
framr-4076	1073	22	.	.	PUNCT
framr-4076	1074	1	journal	journal	PROPN
framr-4076	1074	2	of	of	ADP
framr-4076	1074	3	business	business	NOUN
framr-4076	1074	4	ethics	ethic	NOUN
framr-4076	1074	5	,	,	PUNCT
framr-4076	1074	6	170(1	170(1	NUM
framr-4076	1074	7	)	)	PUNCT
framr-4076	1074	8	,	,	PUNCT
framr-4076	1074	9	21	21	NUM
framr-4076	1074	10	-	-	SYM
framr-4076	1074	11	38	38	NUM
framr-4076	1074	12	.	.	PUNCT
framr-4076	1075	1	https://doi.org/10.1007/s10551-019-04406-2	https://doi.org/10.1007/s10551-019-04406-2	X
framr-4076	1075	2	prastyanti	prastyanti	PROPN
framr-4076	1075	3	,	,	PUNCT
framr-4076	1075	4	r.	r.	PROPN
framr-4076	1075	5	a.	a.	PROPN
framr-4076	1075	6	,	,	PUNCT
framr-4076	1075	7	rezi	rezi	NOUN
framr-4076	1075	8	,	,	PUNCT
framr-4076	1075	9	r.	r.	PROPN
framr-4076	1075	10	,	,	PUNCT
framr-4076	1075	11	&	&	CCONJ
framr-4076	1075	12	rahayu	rahayu	PROPN
framr-4076	1075	13	,	,	PUNCT
framr-4076	1075	14	i.	i.	PROPN
framr-4076	1075	15	(	(	PUNCT
framr-4076	1075	16	2023	2023	NUM
framr-4076	1075	17	)	)	PUNCT
framr-4076	1075	18	.	.	PUNCT
framr-4076	1076	1	ethical	ethical	ADJ
framr-4076	1076	2	fintech	fintech	NOUN
framr-4076	1076	3	is	be	AUX
framr-4076	1076	4	a	a	DET
framr-4076	1076	5	new	new	ADJ
framr-4076	1076	6	way	way	NOUN
framr-4076	1076	7	of	of	ADP
framr-4076	1076	8	banking	banking	NOUN
framr-4076	1076	9	.	.	PUNCT
framr-4076	1077	1	kontigensi	kontigensi	PROPN
framr-4076	1077	2	:	:	PUNCT
framr-4076	1077	3	jurnal	jurnal	ADJ
framr-4076	1077	4	ilmiah	ilmiah	PROPN
framr-4076	1077	5	manajemen	manajeman	NOUN
framr-4076	1077	6	,	,	PUNCT
framr-4076	1077	7	11(1	11(1	NUM
framr-4076	1077	8	)	)	PUNCT
framr-4076	1077	9	,	,	PUNCT
framr-4076	1077	10	255260	255260	NUM
framr-4076	1077	11	.	.	PUNCT
framr-4076	1078	1	https://doi.org/10.56457/jimk.v11i1.353	https://doi.org/10.56457/jimk.v11i1.353	X
framr-4076	1078	2	puschmann	puschmann	PROPN
framr-4076	1078	3	,	,	PUNCT
framr-4076	1078	4	t.	t.	PROPN
framr-4076	1078	5	,	,	PUNCT
framr-4076	1078	6	hoffmann	hoffmann	PROPN
framr-4076	1078	7	,	,	PUNCT
framr-4076	1078	8	c.	c.	PROPN
framr-4076	1078	9	h.	h.	PROPN
framr-4076	1078	10	,	,	PUNCT
framr-4076	1078	11	&	&	CCONJ
framr-4076	1078	12	khmarskyi	khmarskyi	PROPN
framr-4076	1078	13	,	,	PUNCT
framr-4076	1078	14	v.	v.	PROPN
framr-4076	1078	15	(	(	PUNCT
framr-4076	1078	16	2020	2020	NUM
framr-4076	1078	17	)	)	PUNCT
framr-4076	1078	18	.	.	PUNCT
framr-4076	1079	1	how	how	SCONJ
framr-4076	1079	2	green	green	ADJ
framr-4076	1079	3	fintech	fintech	NOUN
framr-4076	1079	4	can	can	AUX
framr-4076	1079	5	alleviate	alleviate	VERB
framr-4076	1079	6	the	the	DET
framr-4076	1079	7	impact	impact	NOUN
framr-4076	1079	8	of	of	ADP
framr-4076	1079	9	climate	climate	NOUN
framr-4076	1079	10	change	change	NOUN
framr-4076	1079	11	—	—	PUNCT
framr-4076	1079	12	the	the	DET
framr-4076	1079	13	case	case	NOUN
framr-4076	1079	14	of	of	ADP
framr-4076	1079	15	switzerland	switzerland	PROPN
framr-4076	1079	16	.	.	PUNCT
framr-4076	1080	1	sustainability	sustainability	NOUN
framr-4076	1080	2	,	,	PUNCT
framr-4076	1080	3	12(24	12(24	NUM
framr-4076	1080	4	)	)	PUNCT
framr-4076	1080	5	,	,	PUNCT
framr-4076	1080	6	10691	10691	NUM
framr-4076	1080	7	.	.	PUNCT
framr-4076	1081	1	https://doi.org/10.3390/su122410691	https://doi.org/10.3390/su122410691	PROPN
framr-4076	1081	2	pwc	pwc	PROPN
framr-4076	1081	3	.	.	PUNCT
framr-4076	1081	4	(	(	PUNCT
framr-4076	1081	5	2021	2021	NUM
framr-4076	1081	6	)	)	PUNCT
framr-4076	1081	7	.	.	PUNCT
framr-4076	1082	1	the	the	DET
framr-4076	1082	2	trust	trust	NOUN
framr-4076	1082	3	imperative	imperative	NOUN
framr-4076	1082	4	:	:	PUNCT
framr-4076	1082	5	why	why	SCONJ
framr-4076	1082	6	trust	trust	NOUN
framr-4076	1082	7	matters	matter	VERB
framr-4076	1082	8	more	more	ADV
framr-4076	1082	9	than	than	ADP
framr-4076	1082	10	ever	ever	ADV
framr-4076	1082	11	for	for	ADP
framr-4076	1082	12	financial	financial	ADJ
framr-4076	1082	13	services	service	NOUN
framr-4076	1082	14	.	.	PUNCT
framr-4076	1083	1	retrieved	retrieve	VERB
framr-4076	1083	2	from	from	ADP
framr-4076	1083	3	https://www.pwc.com/gx/en/about/global-annual-review-2022/trust.html	https://www.pwc.com/gx/en/about/global-annual-review-2022/trust.html	PROPN
framr-4076	1083	4	pwc	pwc	NOUN
framr-4076	1083	5	.	.	PUNCT
framr-4076	1084	1	(	(	PUNCT
framr-4076	1084	2	2022	2022	NUM
framr-4076	1084	3	)	)	PUNCT
framr-4076	1084	4	.	.	PUNCT
framr-4076	1085	1	blockchain	blockchain	PROPN
framr-4076	1085	2	:	:	PUNCT
framr-4076	1085	3	the	the	DET
framr-4076	1085	4	next	next	ADJ
framr-4076	1085	5	innovation	innovation	NOUN
framr-4076	1085	6	to	to	PART
framr-4076	1085	7	transform	transform	VERB
framr-4076	1085	8	financial	financial	ADJ
framr-4076	1085	9	services	service	NOUN
framr-4076	1085	10	.	.	PUNCT
framr-4076	1086	1	retrieved	retrieve	VERB
framr-4076	1086	2	from	from	ADP
framr-4076	1086	3	https://www.pwc.com/gx/en.html	https://www.pwc.com/gx/en.html	PROPN
framr-4076	1086	4	rahman	rahman	PROPN
framr-4076	1086	5	,	,	PUNCT
framr-4076	1086	6	m.	m.	PROPN
framr-4076	1086	7	h.	h.	PROPN
framr-4076	1086	8	,	,	PUNCT
framr-4076	1086	9	rahman	rahman	PROPN
framr-4076	1086	10	,	,	PUNCT
framr-4076	1086	11	j.	j.	PROPN
framr-4076	1086	12	,	,	PUNCT
framr-4076	1086	13	tanchangya	tanchangya	PROPN
framr-4076	1086	14	,	,	PUNCT
framr-4076	1086	15	t.	t.	PROPN
framr-4076	1086	16	,	,	PUNCT
framr-4076	1086	17	&	&	CCONJ
framr-4076	1086	18	esquivias	esquivias	PROPN
framr-4076	1086	19	,	,	PUNCT
framr-4076	1086	20	m.	m.	NOUN
framr-4076	1086	21	a.	a.	NOUN
framr-4076	1086	22	(	(	PUNCT
framr-4076	1086	23	2023	2023	NUM
framr-4076	1086	24	)	)	PUNCT
framr-4076	1086	25	.	.	PUNCT
framr-4076	1087	1	green	green	ADJ
framr-4076	1087	2	banking	banking	NOUN
framr-4076	1087	3	initiatives	initiative	NOUN
framr-4076	1087	4	and	and	CCONJ
framr-4076	1087	5	sustainability	sustainability	NOUN
framr-4076	1087	6	:	:	PUNCT
framr-4076	1087	7	a	a	DET
framr-4076	1087	8	comparative	comparative	ADJ
framr-4076	1087	9	analysis	analysis	NOUN
framr-4076	1087	10	between	between	ADP
framr-4076	1087	11	bangladesh	bangladesh	NOUN
framr-4076	1087	12	and	and	CCONJ
framr-4076	1087	13	india	india	PROPN
framr-4076	1087	14	.	.	PUNCT
framr-4076	1088	1	research	research	NOUN
framr-4076	1088	2	in	in	ADP
framr-4076	1088	3	globalization	globalization	NOUN
framr-4076	1088	4	,	,	PUNCT
framr-4076	1088	5	100184	100184	NUM
framr-4076	1088	6	.	.	PUNCT
framr-4076	1089	1	https://doi.org/10.1016/j.resglo.2023.100184	https://doi.org/10.1016/j.resglo.2023.100184	PROPN
framr-4076	1089	2	rahman	rahman	PROPN
framr-4076	1089	3	,	,	PUNCT
framr-4076	1089	4	m.	m.	PROPN
framr-4076	1089	5	h.	h.	PROPN
framr-4076	1089	6	,	,	PUNCT
framr-4076	1089	7	tanchangya	tanchangya	PROPN
framr-4076	1089	8	,	,	PUNCT
framr-4076	1089	9	t.	t.	PROPN
framr-4076	1089	10	,	,	PUNCT
framr-4076	1089	11	rahman	rahman	PROPN
framr-4076	1089	12	,	,	PUNCT
framr-4076	1089	13	j.	j.	PROPN
framr-4076	1089	14	,	,	PUNCT
framr-4076	1089	15	aktar	aktar	PROPN
framr-4076	1089	16	,	,	PUNCT
framr-4076	1089	17	m.	m.	NOUN
framr-4076	1089	18	a.	a.	PROPN
framr-4076	1089	19	,	,	PUNCT
framr-4076	1089	20	&	&	CCONJ
framr-4076	1089	21	majumder	majumder	PROPN
framr-4076	1089	22	,	,	PUNCT
framr-4076	1089	23	s.	s.	PROPN
framr-4076	1089	24	c.	c.	PROPN
framr-4076	1089	25	(	(	PUNCT
framr-4076	1089	26	2024	2024	NUM
framr-4076	1089	27	)	)	PUNCT
framr-4076	1089	28	.	.	PUNCT
framr-4076	1090	1	corporate	corporate	ADJ
framr-4076	1090	2	social	social	ADJ
framr-4076	1090	3	responsibility	responsibility	NOUN
framr-4076	1090	4	and	and	CCONJ
framr-4076	1090	5	green	green	ADJ
framr-4076	1090	6	financing	financing	NOUN
framr-4076	1090	7	behavior	behavior	NOUN
framr-4076	1090	8	in	in	ADP
framr-4076	1090	9	bangladesh	bangladesh	NOUN
framr-4076	1090	10	:	:	PUNCT
framr-4076	1090	11	towards	towards	ADP
framr-4076	1090	12	sustainable	sustainable	ADJ
framr-4076	1090	13	tourism	tourism	NOUN
framr-4076	1090	14	.	.	PUNCT
framr-4076	1091	1	innovation	innovation	NOUN
framr-4076	1091	2	and	and	CCONJ
framr-4076	1091	3	green	green	ADJ
framr-4076	1091	4	development	development	NOUN
framr-4076	1091	5	,	,	PUNCT
framr-4076	1091	6	3(3	3(3	NUM
framr-4076	1091	7	)	)	PUNCT
framr-4076	1091	8	,	,	PUNCT
framr-4076	1091	9	100133	100133	NUM
framr-4076	1091	10	.	.	PUNCT
framr-4076	1092	1	https://doi.org/10.1016/j.igd.2024.100133	https://doi.org/10.1016/j.igd.2024.100133	PROPN
framr-4076	1092	2	raihan	raihan	PROPN
framr-4076	1092	3	,	,	PUNCT
framr-4076	1092	4	a.	a.	NOUN
framr-4076	1092	5	,	,	PUNCT
framr-4076	1092	6	atasoy	atasoy	NOUN
framr-4076	1092	7	,	,	PUNCT
framr-4076	1092	8	f.	f.	PROPN
framr-4076	1092	9	g.	g.	PROPN
framr-4076	1092	10	,	,	PUNCT
framr-4076	1092	11	coskun	coskun	PROPN
framr-4076	1092	12	,	,	PUNCT
framr-4076	1092	13	m.	m.	PROPN
framr-4076	1092	14	b.	b.	PROPN
framr-4076	1092	15	,	,	PUNCT
framr-4076	1092	16	tanchangya	tanchangya	PROPN
framr-4076	1092	17	,	,	PUNCT
framr-4076	1092	18	t.	t.	PROPN
framr-4076	1092	19	,	,	PUNCT
framr-4076	1092	20	rahman	rahman	PROPN
framr-4076	1092	21	,	,	PUNCT
framr-4076	1092	22	j.	j.	PROPN
framr-4076	1092	23	,	,	PUNCT
framr-4076	1092	24	ridwan	ridwan	PROPN
framr-4076	1092	25	,	,	PUNCT
framr-4076	1092	26	m.	m.	NOUN
framr-4076	1092	27	,	,	PUNCT
framr-4076	1092	28	.	.	PUNCT
framr-4076	1092	29	.	.	PUNCT
framr-4076	1092	30	.	.	PUNCT
framr-4076	1093	1	yer	yer	PROPN
framr-4076	1093	2	,	,	PUNCT
framr-4076	1093	3	h.	h.	PROPN
framr-4076	1093	4	(	(	PUNCT
framr-4076	1093	5	2024	2024	NUM
framr-4076	1093	6	)	)	PUNCT
framr-4076	1093	7	.	.	PUNCT
framr-4076	1094	1	fintech	fintech	NOUN
framr-4076	1094	2	adoption	adoption	NOUN
framr-4076	1094	3	and	and	CCONJ
framr-4076	1094	4	sustainable	sustainable	ADJ
framr-4076	1094	5	deployment	deployment	NOUN
framr-4076	1094	6	of	of	ADP
framr-4076	1094	7	natural	natural	ADJ
framr-4076	1094	8	resources	resource	NOUN
framr-4076	1094	9	:	:	PUNCT
framr-4076	1094	10	evidence	evidence	NOUN
framr-4076	1094	11	from	from	ADP
framr-4076	1094	12	mineral	mineral	NOUN
framr-4076	1094	13	management	management	NOUN
framr-4076	1094	14	in	in	ADP
framr-4076	1094	15	brazil	brazil	PROPN
framr-4076	1094	16	.	.	PUNCT
framr-4076	1095	1	resources	resource	NOUN
framr-4076	1095	2	policy	policy	NOUN
framr-4076	1095	3	,	,	PUNCT
framr-4076	1095	4	99	99	NUM
framr-4076	1095	5	,	,	PUNCT
framr-4076	1095	6	105411	105411	NUM
framr-4076	1095	7	.	.	PUNCT
framr-4076	1096	1	https://doi.org/10.1016/j.resourpol.2024.105411	https://doi.org/10.1016/j.resourpol.2024.105411	PROPN
framr-4076	1096	2	raj	raj	PROPN
framr-4076	1096	3	,	,	PUNCT
framr-4076	1096	4	b.	b.	PROPN
framr-4076	1096	5	,	,	PUNCT
framr-4076	1096	6	&	&	CCONJ
framr-4076	1096	7	upadhyay	upadhyay	PROPN
framr-4076	1096	8	,	,	PUNCT
framr-4076	1096	9	v.	v.	PROPN
framr-4076	1096	10	(	(	PUNCT
framr-4076	1096	11	2020	2020	NUM
framr-4076	1096	12	)	)	PUNCT
framr-4076	1096	13	.	.	PUNCT
framr-4076	1097	1	role	role	NOUN
framr-4076	1097	2	of	of	ADP
framr-4076	1097	3	fintech	fintech	NOUN
framr-4076	1097	4	in	in	ADP
framr-4076	1097	5	accelerating	accelerate	VERB
framr-4076	1097	6	financial	financial	ADJ
framr-4076	1097	7	inclusion	inclusion	NOUN
framr-4076	1097	8	in	in	ADP
framr-4076	1097	9	india	india	PROPN
framr-4076	1097	10	.	.	PUNCT
framr-4076	1098	1	paper	paper	PROPN
framr-4076	1098	2	presented	present	VERB
framr-4076	1098	3	at	at	ADP
framr-4076	1098	4	the	the	PRON
framr-4076	1098	5	in	in	ADP
framr-4076	1098	6	3rd	3rd	ADJ
framr-4076	1098	7	international	international	ADJ
framr-4076	1098	8	conference	conference	NOUN
framr-4076	1098	9	on	on	ADP
framr-4076	1098	10	economics	economic	NOUN
framr-4076	1098	11	and	and	CCONJ
framr-4076	1098	12	finance	finance	NOUN
framr-4076	1098	13	organised	organise	VERB
framr-4076	1098	14	by	by	ADP
framr-4076	1098	15	the	the	DET
framr-4076	1098	16	nepal	nepal	PROPN
framr-4076	1098	17	rastra	rastra	PROPN
framr-4076	1098	18	bank	bank	PROPN
framr-4076	1098	19	at	at	ADP
framr-4076	1098	20	kathmandu	kathmandu	PROPN
framr-4076	1098	21	,	,	PUNCT
framr-4076	1098	22	nepal	nepal	ADJ
framr-4076	1098	23	during	during	ADP
framr-4076	1098	24	february	february	PROPN
framr-4076	1098	25	.	.	PUNCT
framr-4076	1099	1	pp	pp	ADJ
framr-4076	1099	2	.	.	PUNCT
framr-4076	1100	1	2829	2829	NUM
framr-4076	1100	2	.	.	PUNCT
framr-4076	1101	1	research	research	NOUN
framr-4076	1101	2	and	and	CCONJ
framr-4076	1101	3	markets	market	NOUN
framr-4076	1101	4	.	.	PUNCT
framr-4076	1102	1	(	(	PUNCT
framr-4076	1102	2	2023	2023	NUM
framr-4076	1102	3	)	)	PUNCT
framr-4076	1102	4	.	.	PUNCT
framr-4076	1103	1	robo	robo	NOUN
framr-4076	1103	2	-	-	PUNCT
framr-4076	1103	3	advisors	advisor	NOUN
framr-4076	1103	4	market	market	NOUN
framr-4076	1103	5	by	by	ADP
framr-4076	1103	6	type	type	NOUN
framr-4076	1103	7	and	and	CCONJ
framr-4076	1103	8	geography	geography	NOUN
framr-4076	1103	9	forecast	forecast	NOUN
framr-4076	1103	10	and	and	CCONJ
framr-4076	1103	11	analysis	analysis	NOUN
framr-4076	1103	12	2022	2022	NUM
framr-4076	1103	13	-	-	SYM
framr-4076	1103	14	2030	2030	NUM
framr-4076	1103	15	.	.	PUNCT
framr-4076	1104	1	retrieved	retrieve	VERB
framr-4076	1104	2	from	from	ADP
framr-4076	1104	3	https://www.researchandmarkets.com/reports/5543135/robo-advisors-market	https://www.researchandmarkets.com/reports/5543135/robo-advisors-market	PROPN
framr-4076	1104	4	rotman	rotman	PROPN
framr-4076	1104	5	,	,	PUNCT
framr-4076	1104	6	r.	r.	PROPN
framr-4076	1104	7	m.	m.	PROPN
framr-4076	1104	8	,	,	PUNCT
framr-4076	1104	9	gossett	gossett	PROPN
framr-4076	1104	10	,	,	PUNCT
framr-4076	1104	11	c.	c.	PROPN
framr-4076	1104	12	j.	j.	PROPN
framr-4076	1104	13	,	,	PUNCT
framr-4076	1104	14	&	&	CCONJ
framr-4076	1104	15	goldman	goldman	PROPN
framr-4076	1104	16	,	,	PUNCT
framr-4076	1104	17	h.	h.	PROPN
framr-4076	1104	18	d.	d.	PROPN
framr-4076	1104	19	(	(	PUNCT
framr-4076	1104	20	2020	2020	NUM
framr-4076	1104	21	)	)	PUNCT
framr-4076	1104	22	.	.	PUNCT
framr-4076	1105	1	greenwashing	greenwashe	VERB
framr-4076	1105	2	no	no	PRON
framr-4076	1105	3	more	more	ADV
framr-4076	1105	4	.	.	PUNCT
framr-4076	1106	1	administrative	administrative	ADJ
framr-4076	1106	2	law	law	PROPN
framr-4076	1106	3	review	review	PROPN
framr-4076	1106	4	,	,	PUNCT
framr-4076	1106	5	72(3	72(3	NUM
framr-4076	1106	6	)	)	PUNCT
framr-4076	1106	7	,	,	PUNCT
framr-4076	1106	8	417	417	NUM
framr-4076	1106	9	-	-	SYM
framr-4076	1106	10	443	443	NUM
framr-4076	1106	11	.	.	PUNCT
framr-4076	1107	1	rovatsos	rovatsos	PROPN
framr-4076	1107	2	,	,	PUNCT
framr-4076	1107	3	m.	m.	NOUN
framr-4076	1107	4	,	,	PUNCT
framr-4076	1107	5	mittelstadt	mittelstadt	NOUN
framr-4076	1107	6	,	,	PUNCT
framr-4076	1107	7	b.	b.	PROPN
framr-4076	1107	8	,	,	PUNCT
framr-4076	1107	9	&	&	CCONJ
framr-4076	1107	10	koene	koene	PROPN
framr-4076	1107	11	,	,	PUNCT
framr-4076	1107	12	a.	a.	NOUN
framr-4076	1107	13	(	(	PUNCT
framr-4076	1107	14	2019	2019	NUM
framr-4076	1107	15	)	)	PUNCT
framr-4076	1107	16	.	.	PUNCT
framr-4076	1108	1	landscape	landscape	NOUN
framr-4076	1108	2	summary	summary	NOUN
framr-4076	1108	3	:	:	PUNCT
framr-4076	1108	4	bias	bias	NOUN
framr-4076	1108	5	in	in	ADP
framr-4076	1108	6	algorithmic	algorithmic	ADJ
framr-4076	1108	7	decision	decision	NOUN
framr-4076	1108	8	-	-	PUNCT
framr-4076	1108	9	making	making	NOUN
framr-4076	1108	10	:	:	PUNCT
framr-4076	1108	11	what	what	PRON
framr-4076	1108	12	is	be	AUX
framr-4076	1108	13	bias	bias	NOUN
framr-4076	1108	14	in	in	ADP
framr-4076	1108	15	algorithmic	algorithmic	ADJ
framr-4076	1108	16	decision	decision	NOUN
framr-4076	1108	17	-	-	PUNCT
framr-4076	1108	18	making	making	NOUN
framr-4076	1108	19	,	,	PUNCT
framr-4076	1108	20	how	how	SCONJ
framr-4076	1108	21	can	can	AUX
framr-4076	1108	22	we	we	PRON
framr-4076	1108	23	identify	identify	VERB
framr-4076	1108	24	it	it	PRON
framr-4076	1108	25	,	,	PUNCT
framr-4076	1108	26	and	and	CCONJ
framr-4076	1108	27	how	how	SCONJ
framr-4076	1108	28	can	can	AUX
framr-4076	1108	29	we	we	PRON
framr-4076	1108	30	mitigate	mitigate	VERB
framr-4076	1108	31	it	it	PRON
framr-4076	1108	32	?	?	PUNCT
framr-4076	1109	1	safaricom	safaricom	PROPN
framr-4076	1109	2	.	.	PUNCT
framr-4076	1110	1	(	(	PUNCT
framr-4076	1110	2	2021	2021	NUM
framr-4076	1110	3	)	)	PUNCT
framr-4076	1110	4	.	.	PUNCT
framr-4076	1111	1	m	m	PROPN
framr-4076	1111	2	-	-	PROPN
framr-4076	1111	3	pesa	pesa	NOUN
framr-4076	1111	4	2021	2021	NUM
framr-4076	1111	5	impact	impact	NOUN
framr-4076	1111	6	report	report	NOUN
framr-4076	1111	7	.	.	PUNCT
framr-4076	1112	1	retrieved	retrieve	VERB
framr-4076	1112	2	from	from	ADP
framr-4076	1112	3	https://www.safaricom.co.ke/annualreport_2021/	https://www.safaricom.co.ke/annualreport_2021/	PROPN
framr-4076	1112	4	sanyoura	sanyoura	NOUN
framr-4076	1112	5	,	,	PUNCT
framr-4076	1112	6	l.	l.	PROPN
framr-4076	1112	7	e.	e.	PROPN
framr-4076	1112	8	,	,	PUNCT
framr-4076	1112	9	&	&	CCONJ
framr-4076	1112	10	anderson	anderson	PROPN
framr-4076	1112	11	,	,	PUNCT
framr-4076	1112	12	a.	a.	PROPN
framr-4076	1112	13	(	(	PUNCT
framr-4076	1112	14	2022	2022	NUM
framr-4076	1112	15	)	)	PUNCT
framr-4076	1112	16	.	.	PUNCT
framr-4076	1113	1	quantifying	quantify	VERB
framr-4076	1113	2	the	the	DET
framr-4076	1113	3	creator	creator	NOUN
framr-4076	1113	4	economy	economy	NOUN
framr-4076	1113	5	:	:	PUNCT
framr-4076	1113	6	a	a	DET
framr-4076	1113	7	large	large	ADJ
framr-4076	1113	8	-	-	PUNCT
framr-4076	1113	9	scale	scale	NOUN
framr-4076	1113	10	analysis	analysis	NOUN
framr-4076	1113	11	of	of	ADP
framr-4076	1113	12	patreon	patreon	NOUN
framr-4076	1113	13	.	.	PUNCT
framr-4076	1114	1	paper	paper	NOUN
framr-4076	1114	2	presented	present	VERB
framr-4076	1114	3	at	at	ADP
framr-4076	1114	4	the	the	DET
framr-4076	1114	5	proceedings	proceeding	NOUN
framr-4076	1114	6	of	of	ADP
framr-4076	1114	7	the	the	DET
framr-4076	1114	8	international	international	ADJ
framr-4076	1114	9	aaai	aaai	PROPN
framr-4076	1114	10	conference	conference	PROPN
framr-4076	1114	11	on	on	ADP
framr-4076	1114	12	web	web	NOUN
framr-4076	1114	13	and	and	CCONJ
framr-4076	1114	14	social	social	ADJ
framr-4076	1114	15	media	medium	NOUN
framr-4076	1114	16	,	,	PUNCT
framr-4076	1114	17	16	16	NUM
framr-4076	1114	18	,	,	PUNCT
framr-4076	1114	19	829–840	829–840	NUM
framr-4076	1114	20	.	.	PROPN
framr-4076	1115	1	https://doi.org/10.1609/icwsm.v16i1.19338	https://doi.org/10.1609/icwsm.v16i1.19338	PROPN
framr-4076	1115	2	.	.	X
framr-4076	1116	1	sarda	sarda	PROPN
framr-4076	1116	2	,	,	PUNCT
framr-4076	1116	3	c.	c.	PROPN
framr-4076	1116	4	s.	s.	PROPN
framr-4076	1116	5	(	(	PUNCT
framr-4076	1116	6	2024	2024	NUM
framr-4076	1116	7	)	)	PUNCT
framr-4076	1116	8	.	.	PUNCT
framr-4076	1117	1	esg	esg	NOUN
framr-4076	1117	2	:	:	PUNCT
framr-4076	1117	3	a	a	DET
framr-4076	1117	4	way	way	NOUN
framr-4076	1117	5	to	to	ADP
framr-4076	1117	6	combating	combat	VERB
framr-4076	1117	7	greenwashing	greenwashing	NOUN
framr-4076	1117	8	and	and	CCONJ
framr-4076	1117	9	build	build	VERB
framr-4076	1117	10	a	a	DET
framr-4076	1117	11	more	more	ADV
framr-4076	1117	12	ethical	ethical	ADJ
framr-4076	1117	13	portfolio	portfolio	NOUN
framr-4076	1117	14	.	.	PUNCT
framr-4076	1118	1	ijrar	ijrar	PROPN
framr-4076	1118	2	-	-	PUNCT
framr-4076	1118	3	international	international	ADJ
framr-4076	1118	4	journal	journal	NOUN
framr-4076	1118	5	of	of	ADP
framr-4076	1118	6	research	research	NOUN
framr-4076	1118	7	and	and	CCONJ
framr-4076	1118	8	analytical	analytical	ADJ
framr-4076	1118	9	reviews	review	NOUN
framr-4076	1118	10	,	,	PUNCT
framr-4076	1118	11	11(1	11(1	NUM
framr-4076	1118	12	)	)	PUNCT
framr-4076	1118	13	,	,	PUNCT
framr-4076	1118	14	57	57	NUM
framr-4076	1118	15	-	-	SYM
framr-4076	1118	16	66	66	NUM
framr-4076	1118	17	-	-	PUNCT
framr-4076	1118	18	57	57	NUM
framr-4076	1118	19	-	-	SYM
framr-4076	1118	20	66	66	NUM
framr-4076	1118	21	.	.	PUNCT
framr-4076	1119	1	seele	seele	PROPN
framr-4076	1119	2	,	,	PUNCT
framr-4076	1119	3	p.	p.	PROPN
framr-4076	1119	4	,	,	PUNCT
framr-4076	1119	5	&	&	CCONJ
framr-4076	1119	6	gatti	gatti	PROPN
framr-4076	1119	7	,	,	PUNCT
framr-4076	1119	8	l.	l.	PROPN
framr-4076	1119	9	(	(	PUNCT
framr-4076	1119	10	2017	2017	NUM
framr-4076	1119	11	)	)	PUNCT
framr-4076	1119	12	.	.	PUNCT
framr-4076	1120	1	greenwashing	greenwashing	NOUN
framr-4076	1120	2	revisited	revisit	VERB
framr-4076	1120	3	:	:	PUNCT
framr-4076	1120	4	in	in	ADP
framr-4076	1120	5	search	search	NOUN
framr-4076	1120	6	of	of	ADP
framr-4076	1120	7	a	a	DET
framr-4076	1120	8	typology	typology	NOUN
framr-4076	1120	9	and	and	CCONJ
framr-4076	1120	10	accusation‐based	accusation‐base	VERB
framr-4076	1120	11	definition	definition	NOUN
framr-4076	1120	12	incorporating	incorporate	VERB
framr-4076	1120	13	legitimacy	legitimacy	NOUN
framr-4076	1120	14	strategies	strategy	NOUN
framr-4076	1120	15	.	.	PUNCT
framr-4076	1121	1	business	business	NOUN
framr-4076	1121	2	strategy	strategy	NOUN
framr-4076	1121	3	and	and	CCONJ
framr-4076	1121	4	the	the	DET
framr-4076	1121	5	environment	environment	NOUN
framr-4076	1121	6	,	,	PUNCT
framr-4076	1121	7	26(2	26(2	NUM
framr-4076	1121	8	)	)	PUNCT
framr-4076	1121	9	,	,	PUNCT
framr-4076	1121	10	239	239	NUM
framr-4076	1121	11	-	-	SYM
framr-4076	1121	12	252	252	NUM
framr-4076	1121	13	.	.	PUNCT
framr-4076	1122	1	https://doi.org/10.1002/bse.1912	https://doi.org/10.1002/bse.1912	PROPN
framr-4076	1122	2	seele	seele	PROPN
framr-4076	1122	3	,	,	PUNCT
framr-4076	1122	4	p.	p.	PROPN
framr-4076	1122	5	,	,	PUNCT
framr-4076	1122	6	&	&	CCONJ
framr-4076	1122	7	schultz	schultz	PROPN
framr-4076	1122	8	,	,	PUNCT
framr-4076	1122	9	m.	m.	NOUN
framr-4076	1122	10	d.	d.	PROPN
framr-4076	1122	11	(	(	PUNCT
framr-4076	1122	12	2022	2022	NUM
framr-4076	1122	13	)	)	PUNCT
framr-4076	1122	14	.	.	PUNCT
framr-4076	1123	1	from	from	ADP
framr-4076	1123	2	greenwashing	greenwashe	VERB
framr-4076	1123	3	to	to	ADP
framr-4076	1123	4	machinewashing	machinewashe	VERB
framr-4076	1123	5	:	:	PUNCT
framr-4076	1123	6	a	a	DET
framr-4076	1123	7	model	model	NOUN
framr-4076	1123	8	and	and	CCONJ
framr-4076	1123	9	future	future	ADJ
framr-4076	1123	10	directions	direction	NOUN
framr-4076	1123	11	derived	derive	VERB
framr-4076	1123	12	from	from	ADP
framr-4076	1123	13	reasoning	reasoning	NOUN
framr-4076	1123	14	by	by	ADP
framr-4076	1123	15	analogy	analogy	NOUN
framr-4076	1123	16	.	.	PUNCT
framr-4076	1124	1	journal	journal	PROPN
framr-4076	1124	2	of	of	ADP
framr-4076	1124	3	business	business	NOUN
framr-4076	1124	4	ethics	ethic	NOUN
framr-4076	1124	5	,	,	PUNCT
framr-4076	1124	6	178(4	178(4	NUM
framr-4076	1124	7	)	)	PUNCT
framr-4076	1124	8	,	,	PUNCT
framr-4076	1124	9	1063	1063	NUM
framr-4076	1124	10	-	-	SYM
framr-4076	1124	11	1089	1089	NUM
framr-4076	1124	12	.	.	PUNCT
framr-4076	1125	1	https://doi.org/10.1007/s10551-022-05054-9	https://doi.org/10.1007/s10551-022-05054-9	NUM
framr-4076	1125	2	shanor	shanor	NOUN
framr-4076	1125	3	,	,	PUNCT
framr-4076	1125	4	a.	a.	NOUN
framr-4076	1125	5	,	,	PUNCT
framr-4076	1125	6	&	&	CCONJ
framr-4076	1125	7	light	light	PROPN
framr-4076	1125	8	,	,	PUNCT
framr-4076	1125	9	s.	s.	PROPN
framr-4076	1125	10	e.	e.	PROPN
framr-4076	1125	11	(	(	PUNCT
framr-4076	1125	12	2022	2022	NUM
framr-4076	1125	13	)	)	PUNCT
framr-4076	1125	14	.	.	PUNCT
framr-4076	1126	1	greenwashing	greenwashing	NOUN
framr-4076	1126	2	and	and	CCONJ
framr-4076	1126	3	the	the	DET
framr-4076	1126	4	first	first	ADJ
framr-4076	1126	5	amendment	amendment	NOUN
framr-4076	1126	6	.	.	PUNCT
framr-4076	1127	1	columbia	columbia	PROPN
framr-4076	1127	2	law	law	PROPN
framr-4076	1127	3	review	review	PROPN
framr-4076	1127	4	,	,	PUNCT
framr-4076	1127	5	122(7	122(7	NUM
framr-4076	1127	6	)	)	PUNCT
framr-4076	1127	7	,	,	PUNCT
framr-4076	1127	8	2033	2033	NUM
framr-4076	1127	9	-	-	SYM
framr-4076	1127	10	2118	2118	NUM
framr-4076	1127	11	.	.	PUNCT
framr-4076	1128	1	statista	statista	NOUN
framr-4076	1128	2	.	.	PUNCT
framr-4076	1129	1	(	(	PUNCT
framr-4076	1129	2	2023	2023	NUM
framr-4076	1129	3	)	)	PUNCT
framr-4076	1129	4	.	.	PUNCT
framr-4076	1130	1	global	global	ADJ
framr-4076	1130	2	fintech	fintech	NOUN
framr-4076	1130	3	market	market	NOUN
framr-4076	1130	4	size	size	NOUN
framr-4076	1130	5	2019	2019	NUM
framr-4076	1130	6	-	-	SYM
framr-4076	1130	7	2025	2025	NUM
framr-4076	1130	8	.	.	PUNCT
framr-4076	1131	1	retrieved	retrieve	VERB
framr-4076	1131	2	from	from	ADP
framr-4076	1131	3	https://www.statista.com/statistics/502239/global-fintechmarket-revenue/	https://www.statista.com/statistics/502239/global-fintechmarket-revenue/	PROPN
framr-4076	1131	4	suchman	suchman	NOUN
framr-4076	1131	5	,	,	PUNCT
framr-4076	1131	6	m.	m.	NOUN
framr-4076	1131	7	c.	c.	PROPN
framr-4076	1131	8	(	(	PUNCT
framr-4076	1131	9	1995	1995	NUM
framr-4076	1131	10	)	)	PUNCT
framr-4076	1131	11	.	.	PUNCT
framr-4076	1132	1	managing	manage	VERB
framr-4076	1132	2	legitimacy	legitimacy	NOUN
framr-4076	1132	3	:	:	PUNCT
framr-4076	1132	4	strategic	strategic	ADJ
framr-4076	1132	5	and	and	CCONJ
framr-4076	1132	6	institutional	institutional	ADJ
framr-4076	1132	7	approaches	approach	NOUN
framr-4076	1132	8	.	.	PUNCT
framr-4076	1133	1	academy	academy	PROPN
framr-4076	1133	2	of	of	ADP
framr-4076	1133	3	management	management	PROPN
framr-4076	1133	4	review	review	PROPN
framr-4076	1133	5	,	,	PUNCT
framr-4076	1133	6	20(3	20(3	NOUN
framr-4076	1133	7	)	)	PUNCT
framr-4076	1133	8	,	,	PUNCT
framr-4076	1133	9	571	571	NUM
framr-4076	1133	10	-	-	SYM
framr-4076	1133	11	610	610	NUM
framr-4076	1133	12	.	.	PUNCT
framr-4076	1133	13	https://doi.org/10.2307/258788	https://doi.org/10.2307/258788	VERB
framr-4076	1133	14	sundararajan	sundararajan	NOUN
framr-4076	1133	15	,	,	PUNCT
framr-4076	1133	16	a.	a.	NOUN
framr-4076	1133	17	(	(	PUNCT
framr-4076	1133	18	2014	2014	NUM
framr-4076	1133	19	)	)	PUNCT
framr-4076	1133	20	.	.	PUNCT
framr-4076	1134	1	peer	peer	NOUN
framr-4076	1134	2	-	-	PUNCT
framr-4076	1134	3	to	to	ADP
framr-4076	1134	4	-	-	PUNCT
framr-4076	1134	5	peer	peer	NOUN
framr-4076	1134	6	businesses	business	NOUN
framr-4076	1134	7	and	and	CCONJ
framr-4076	1134	8	the	the	DET
framr-4076	1134	9	sharing	sharing	NOUN
framr-4076	1134	10	(	(	PUNCT
framr-4076	1134	11	collaborative	collaborative	ADJ
framr-4076	1134	12	)	)	PUNCT
framr-4076	1134	13	economy	economy	NOUN
framr-4076	1134	14	:	:	PUNCT
framr-4076	1134	15	overview	overview	NOUN
framr-4076	1134	16	,	,	PUNCT
framr-4076	1134	17	economic	economic	ADJ
framr-4076	1134	18	effects	effect	NOUN
framr-4076	1134	19	and	and	CCONJ
framr-4076	1134	20	regulatory	regulatory	ADJ
framr-4076	1134	21	issues	issue	NOUN
framr-4076	1134	22	.	.	PUNCT
framr-4076	1135	1	written	write	VERB
framr-4076	1135	2	testimony	testimony	NOUN
framr-4076	1135	3	for	for	ADP
framr-4076	1135	4	the	the	DET
framr-4076	1135	5	hearing	hearing	NOUN
framr-4076	1135	6	titled	title	VERB
framr-4076	1135	7	the	the	DET
framr-4076	1135	8	power	power	NOUN
framr-4076	1135	9	of	of	ADP
framr-4076	1135	10	connection	connection	NOUN
framr-4076	1135	11	:	:	PUNCT
framr-4076	1135	12	peer	peer	NOUN
framr-4076	1135	13	to	to	ADP
framr-4076	1135	14	peer	peer	NOUN
framr-4076	1135	15	businesses	business	NOUN
framr-4076	1135	16	,	,	PUNCT
framr-4076	1135	17	1	1	NUM
framr-4076	1135	18	-	-	SYM
framr-4076	1135	19	7	7	NUM
framr-4076	1135	20	.	.	PUNCT
framr-4076	1136	1	https://doi.org/10.3390/su12041679	https://doi.org/10.3390/su12041679	NOUN
framr-4076	1136	2	https://doi.org/10.1007/s10551-019-04406-2	https://doi.org/10.1007/s10551-019-04406-2	NUM
framr-4076	1136	3	https://doi.org/10.56457/jimk.v11i1.353	https://doi.org/10.56457/jimk.v11i1.353	PROPN
framr-4076	1136	4	https://doi.org/10.3390/su122410691	https://doi.org/10.3390/su122410691	X
framr-4076	1136	5	https://www.pwc.com/gx/en/about/global-annual-review-2022/trust.html	https://www.pwc.com/gx/en/about/global-annual-review-2022/trust.html	PROPN
framr-4076	1136	6	https://www.pwc.com/gx/en.html	https://www.pwc.com/gx/en.html	VERB
framr-4076	1136	7	https://doi.org/10.1016/j.resglo.2023.100184	https://doi.org/10.1016/j.resglo.2023.100184	PROPN
framr-4076	1136	8	https://doi.org/10.1016/j.igd.2024.100133	https://doi.org/10.1016/j.igd.2024.100133	PUNCT
framr-4076	1136	9	https://doi.org/10.1016/j.resourpol.2024.105411	https://doi.org/10.1016/j.resourpol.2024.105411	PROPN
framr-4076	1136	10	https://www.researchandmarkets.com/reports/5543135/robo-advisors-market	https://www.researchandmarkets.com/reports/5543135/robo-advisors-market	PROPN
framr-4076	1136	11	https://www.safaricom.co.ke/annualreport_2021/	https://www.safaricom.co.ke/annualreport_2021/	ADJ
framr-4076	1136	12	https://doi.org/10.1609/icwsm.v16i1.19338	https://doi.org/10.1609/icwsm.v16i1.19338	PUNCT
framr-4076	1136	13	https://doi.org/10.1002/bse.1912	https://doi.org/10.1002/bse.1912	NOUN
framr-4076	1136	14	https://doi.org/10.1007/s10551-022-05054-9	https://doi.org/10.1007/s10551-022-05054-9	NUM
framr-4076	1136	15	https://www.statista.com/statistics/502239/global-fintech-market-revenue/	https://www.statista.com/statistics/502239/global-fintech-market-revenue/	PRON
framr-4076	1136	16	https://www.statista.com/statistics/502239/global-fintech-market-revenue/	https://www.statista.com/statistics/502239/global-fintech-market-revenue/	NOUN
framr-4076	1136	17	https://doi.org/10.2307/258788	https://doi.org/10.2307/258788	VERB
framr-4076	1136	18	financial	financial	ADJ
framr-4076	1136	19	risk	risk	NOUN
framr-4076	1136	20	and	and	CCONJ
framr-4076	1136	21	management	management	NOUN
framr-4076	1136	22	reviews	review	NOUN
framr-4076	1136	23	,	,	PUNCT
framr-4076	1136	24	2025	2025	NUM
framr-4076	1136	25	,	,	PUNCT
framr-4076	1136	26	11(1	11(1	NUM
framr-4076	1136	27	):	):	PUNCT
framr-4076	1136	28	37	37	NUM
framr-4076	1136	29	-	-	SYM
framr-4076	1136	30	71	71	NUM
framr-4076	1136	31	71	71	NUM
framr-4076	1136	32	©	©	PROPN
framr-4076	1136	33	2025	2025	NUM
framr-4076	1136	34	conscientia	conscientia	PROPN
framr-4076	1136	35	beam	beam	PROPN
framr-4076	1136	36	.	.	PUNCT
framr-4076	1137	1	all	all	DET
framr-4076	1137	2	rights	right	NOUN
framr-4076	1137	3	reserved	reserve	VERB
framr-4076	1137	4	.	.	PUNCT
framr-4076	1138	1	tanchangya	tanchangya	PROPN
framr-4076	1138	2	,	,	PUNCT
framr-4076	1138	3	t.	t.	PROPN
framr-4076	1138	4	,	,	PUNCT
framr-4076	1138	5	raihan	raihan	NOUN
framr-4076	1138	6	,	,	PUNCT
framr-4076	1138	7	a.	a.	NOUN
framr-4076	1138	8	,	,	PUNCT
framr-4076	1138	9	chowdhury	chowdhury	PROPN
framr-4076	1138	10	,	,	PUNCT
framr-4076	1138	11	s.	s.	PROPN
framr-4076	1138	12	,	,	PUNCT
framr-4076	1138	13	islam	islam	PROPN
framr-4076	1138	14	,	,	PUNCT
framr-4076	1138	15	m.	m.	NOUN
framr-4076	1138	16	a.	a.	PROPN
framr-4076	1138	17	,	,	PUNCT
framr-4076	1138	18	islam	islam	PROPN
framr-4076	1138	19	,	,	PUNCT
framr-4076	1138	20	f.	f.	PROPN
framr-4076	1138	21	,	,	PUNCT
framr-4076	1138	22	&	&	CCONJ
framr-4076	1138	23	chakma	chakma	PROPN
framr-4076	1138	24	,	,	PUNCT
framr-4076	1138	25	j.	j.	PROPN
framr-4076	1138	26	(	(	PUNCT
framr-4076	1138	27	2024b	2024b	NUM
framr-4076	1138	28	)	)	PUNCT
framr-4076	1138	29	.	.	PUNCT
framr-4076	1139	1	practices	practice	NOUN
framr-4076	1139	2	of	of	ADP
framr-4076	1139	3	green	green	ADJ
framr-4076	1139	4	marketing	marketing	NOUN
framr-4076	1139	5	and	and	CCONJ
framr-4076	1139	6	corporate	corporate	ADJ
framr-4076	1139	7	social	social	ADJ
framr-4076	1139	8	responsibility	responsibility	NOUN
framr-4076	1139	9	(	(	PUNCT
framr-4076	1139	10	csr	csr	NOUN
framr-4076	1139	11	)	)	PUNCT
framr-4076	1139	12	to	to	PART
framr-4076	1139	13	promote	promote	VERB
framr-4076	1139	14	sustainable	sustainable	ADJ
framr-4076	1139	15	business	business	NOUN
framr-4076	1139	16	in	in	ADP
framr-4076	1139	17	emerging	emerge	VERB
framr-4076	1139	18	country	country	NOUN
framr-4076	1139	19	.	.	PUNCT
framr-4076	1140	1	frontiers	frontier	NOUN
framr-4076	1140	2	of	of	ADP
framr-4076	1140	3	finance	finance	NOUN
framr-4076	1140	4	,	,	PUNCT
framr-4076	1140	5	2(2	2(2	NUM
framr-4076	1140	6	)	)	PUNCT
framr-4076	1140	7	,	,	PUNCT
framr-4076	1140	8	7202	7202	NUM
framr-4076	1140	9	.	.	PUNCT
framr-4076	1141	1	tanchangya	tanchangya	PROPN
framr-4076	1141	2	,	,	PUNCT
framr-4076	1141	3	t.	t.	PROPN
framr-4076	1141	4	,	,	PUNCT
framr-4076	1141	5	raihan	raihan	NOUN
framr-4076	1141	6	,	,	PUNCT
framr-4076	1141	7	a.	a.	PROPN
framr-4076	1141	8	,	,	PUNCT
framr-4076	1141	9	rahman	rahman	PROPN
framr-4076	1141	10	,	,	PUNCT
framr-4076	1141	11	j.	j.	PROPN
framr-4076	1141	12	,	,	PUNCT
framr-4076	1141	13	ridwan	ridwan	PROPN
framr-4076	1141	14	,	,	PUNCT
framr-4076	1141	15	m.	m.	NOUN
framr-4076	1141	16	,	,	PUNCT
framr-4076	1141	17	&	&	CCONJ
framr-4076	1141	18	islam	islam	PROPN
framr-4076	1141	19	,	,	PUNCT
framr-4076	1141	20	n.	n.	PROPN
framr-4076	1141	21	(	(	PUNCT
framr-4076	1141	22	2024a	2024a	NUM
framr-4076	1141	23	)	)	PUNCT
framr-4076	1141	24	.	.	PUNCT
framr-4076	1142	1	a	a	DET
framr-4076	1142	2	bibliometric	bibliometric	ADJ
framr-4076	1142	3	analysis	analysis	NOUN
framr-4076	1142	4	of	of	ADP
framr-4076	1142	5	the	the	DET
framr-4076	1142	6	relationship	relationship	NOUN
framr-4076	1142	7	between	between	ADP
framr-4076	1142	8	corporate	corporate	ADJ
framr-4076	1142	9	social	social	ADJ
framr-4076	1142	10	responsibility	responsibility	NOUN
framr-4076	1142	11	(	(	PUNCT
framr-4076	1142	12	csr	csr	NOUN
framr-4076	1142	13	)	)	PUNCT
framr-4076	1142	14	and	and	CCONJ
framr-4076	1142	15	firm	firm	ADJ
framr-4076	1142	16	performance	performance	NOUN
framr-4076	1142	17	in	in	ADP
framr-4076	1142	18	bangladesh	bangladesh	NOUN
framr-4076	1142	19	.	.	PUNCT
framr-4076	1143	1	frontiers	frontier	NOUN
framr-4076	1143	2	of	of	ADP
framr-4076	1143	3	finance	finance	NOUN
framr-4076	1143	4	,	,	PUNCT
framr-4076	1143	5	2(2	2(2	NUM
framr-4076	1143	6	)	)	PUNCT
framr-4076	1143	7	,	,	PUNCT
framr-4076	1143	8	6287	6287	NUM
framr-4076	1143	9	.	.	PUNCT
framr-4076	1144	1	tang	tang	PROPN
framr-4076	1144	2	,	,	PUNCT
framr-4076	1144	3	y.	y.	PROPN
framr-4076	1144	4	,	,	PUNCT
framr-4076	1144	5	shen	shen	PROPN
framr-4076	1144	6	,	,	PUNCT
framr-4076	1144	7	w.	w.	PROPN
framr-4076	1144	8	,	,	PUNCT
framr-4076	1144	9	&	&	CCONJ
framr-4076	1144	10	khachatryan	khachatryan	PROPN
framr-4076	1144	11	,	,	PUNCT
framr-4076	1144	12	h.	h.	PROPN
framr-4076	1144	13	(	(	PUNCT
framr-4076	1144	14	2018	2018	NUM
framr-4076	1144	15	)	)	PUNCT
framr-4076	1144	16	.	.	PUNCT
framr-4076	1145	1	the	the	DET
framr-4076	1145	2	impact	impact	NOUN
framr-4076	1145	3	of	of	ADP
framr-4076	1145	4	perceived	perceive	VERB
framr-4076	1145	5	greenwashing	greenwashing	NOUN
framr-4076	1145	6	on	on	ADP
framr-4076	1145	7	consumers	consumer	NOUN
framr-4076	1145	8	'	'	PART
framr-4076	1145	9	willingness	willingness	NOUN
framr-4076	1145	10	to	to	PART
framr-4076	1145	11	pay	pay	VERB
framr-4076	1145	12	for	for	ADP
framr-4076	1145	13	environmentally	environmentally	ADV
framr-4076	1145	14	certified	certify	VERB
framr-4076	1145	15	wood	wood	NOUN
framr-4076	1145	16	.	.	PUNCT
framr-4076	1146	1	journal	journal	NOUN
framr-4076	1146	2	of	of	ADP
framr-4076	1146	3	cleaner	clean	ADJ
framr-4076	1146	4	production	production	NOUN
framr-4076	1146	5	,	,	PUNCT
framr-4076	1146	6	177	177	NUM
framr-4076	1146	7	,	,	PUNCT
framr-4076	1146	8	891	891	NUM
framr-4076	1146	9	-	-	SYM
framr-4076	1146	10	902	902	NUM
framr-4076	1146	11	.	.	PUNCT
framr-4076	1147	1	torelli	torelli	PROPN
framr-4076	1147	2	,	,	PUNCT
framr-4076	1147	3	r.	r.	PROPN
framr-4076	1147	4	,	,	PUNCT
framr-4076	1147	5	balluchi	balluchi	PROPN
framr-4076	1147	6	,	,	PUNCT
framr-4076	1147	7	f.	f.	PROPN
framr-4076	1147	8	,	,	PUNCT
framr-4076	1147	9	&	&	CCONJ
framr-4076	1147	10	lazzini	lazzini	PROPN
framr-4076	1147	11	,	,	PUNCT
framr-4076	1147	12	a.	a.	NOUN
framr-4076	1147	13	(	(	PUNCT
framr-4076	1147	14	2020	2020	NUM
framr-4076	1147	15	)	)	PUNCT
framr-4076	1147	16	.	.	PUNCT
framr-4076	1148	1	greenwashing	greenwashing	NOUN
framr-4076	1148	2	and	and	CCONJ
framr-4076	1148	3	environmental	environmental	ADJ
framr-4076	1148	4	communication	communication	NOUN
framr-4076	1148	5	:	:	PUNCT
framr-4076	1148	6	effects	effect	NOUN
framr-4076	1148	7	on	on	ADP
framr-4076	1148	8	stakeholders	stakeholder	NOUN
framr-4076	1148	9	'	'	PART
framr-4076	1148	10	perceptions	perception	NOUN
framr-4076	1148	11	.	.	PUNCT
framr-4076	1149	1	business	business	NOUN
framr-4076	1149	2	strategy	strategy	NOUN
framr-4076	1149	3	and	and	CCONJ
framr-4076	1149	4	the	the	DET
framr-4076	1149	5	environment	environment	NOUN
framr-4076	1149	6	,	,	PUNCT
framr-4076	1149	7	29(2	29(2	NUM
framr-4076	1149	8	)	)	PUNCT
framr-4076	1149	9	,	,	PUNCT
framr-4076	1149	10	407	407	NUM
framr-4076	1149	11	-	-	SYM
framr-4076	1149	12	421	421	NUM
framr-4076	1149	13	.	.	PUNCT
framr-4076	1150	1	https://doi.org/10.1002/bse.2373	https://doi.org/10.1002/bse.2373	PROPN
framr-4076	1150	2	u.s	u.s	PROPN
framr-4076	1150	3	.	.	PROPN
framr-4076	1150	4	securities	securities	PROPN
framr-4076	1150	5	and	and	CCONJ
framr-4076	1150	6	exchange	exchange	PROPN
framr-4076	1150	7	commission	commission	PROPN
framr-4076	1150	8	(	(	PUNCT
framr-4076	1150	9	sec	sec	PROPN
framr-4076	1150	10	)	)	PUNCT
framr-4076	1150	11	.	.	PUNCT
framr-4076	1151	1	(	(	PUNCT
framr-4076	1151	2	2021	2021	NUM
framr-4076	1151	3	)	)	PUNCT
framr-4076	1151	4	.	.	PUNCT
framr-4076	1152	1	sec	sec	PROPN
framr-4076	1152	2	announces	announce	VERB
framr-4076	1152	3	enforcement	enforcement	NOUN
framr-4076	1152	4	task	task	NOUN
framr-4076	1152	5	force	force	NOUN
framr-4076	1152	6	focused	focus	VERB
framr-4076	1152	7	on	on	ADP
framr-4076	1152	8	climate	climate	NOUN
framr-4076	1152	9	and	and	CCONJ
framr-4076	1152	10	esg	esg	PROPN
framr-4076	1152	11	issues	issue	NOUN
framr-4076	1152	12	.	.	PUNCT
framr-4076	1153	1	retrieved	retrieve	VERB
framr-4076	1153	2	from	from	ADP
framr-4076	1153	3	https://www.sec.gov/news/press-release/2021-42	https://www.sec.gov/news/press-release/2021-42	PROPN
framr-4076	1153	4	varavallo	varavallo	PROPN
framr-4076	1153	5	,	,	PUNCT
framr-4076	1153	6	g.	g.	PROPN
framr-4076	1153	7	,	,	PUNCT
framr-4076	1153	8	caragnano	caragnano	PROPN
framr-4076	1153	9	,	,	PUNCT
framr-4076	1153	10	g.	g.	PROPN
framr-4076	1153	11	,	,	PUNCT
framr-4076	1153	12	bertone	bertone	PROPN
framr-4076	1153	13	,	,	PUNCT
framr-4076	1153	14	f.	f.	PROPN
framr-4076	1153	15	,	,	PUNCT
framr-4076	1153	16	vernetti	vernetti	NOUN
framr-4076	1153	17	-	-	PUNCT
framr-4076	1153	18	prot	prot	NOUN
framr-4076	1153	19	,	,	PUNCT
framr-4076	1153	20	l.	l.	PROPN
framr-4076	1153	21	,	,	PUNCT
framr-4076	1153	22	&	&	CCONJ
framr-4076	1153	23	terzo	terzo	PROPN
framr-4076	1153	24	,	,	PUNCT
framr-4076	1153	25	o.	o.	NOUN
framr-4076	1153	26	(	(	PUNCT
framr-4076	1153	27	2022	2022	NUM
framr-4076	1153	28	)	)	PUNCT
framr-4076	1153	29	.	.	PUNCT
framr-4076	1154	1	traceability	traceability	NOUN
framr-4076	1154	2	platform	platform	NOUN
framr-4076	1154	3	based	base	VERB
framr-4076	1154	4	on	on	ADP
framr-4076	1154	5	green	green	PROPN
framr-4076	1154	6	blockchain	blockchain	PROPN
framr-4076	1154	7	:	:	PUNCT
framr-4076	1154	8	an	an	DET
framr-4076	1154	9	application	application	NOUN
framr-4076	1154	10	case	case	NOUN
framr-4076	1154	11	study	study	NOUN
framr-4076	1154	12	in	in	ADP
framr-4076	1154	13	dairy	dairy	NOUN
framr-4076	1154	14	supply	supply	NOUN
framr-4076	1154	15	chain	chain	NOUN
framr-4076	1154	16	.	.	PUNCT
framr-4076	1155	1	sustainability	sustainability	NOUN
framr-4076	1155	2	,	,	PUNCT
framr-4076	1155	3	14(6	14(6	NOUN
framr-4076	1155	4	)	)	PUNCT
framr-4076	1155	5	,	,	PUNCT
framr-4076	1155	6	3321	3321	NUM
framr-4076	1155	7	.	.	PUNCT
framr-4076	1156	1	https://doi.org/10.3390/su14063321	https://doi.org/10.3390/su14063321	PROPN
framr-4076	1156	2	velte	velte	NOUN
framr-4076	1156	3	,	,	PUNCT
framr-4076	1156	4	p.	p.	NOUN
framr-4076	1156	5	(	(	PUNCT
framr-4076	1156	6	2022	2022	NUM
framr-4076	1156	7	)	)	PUNCT
framr-4076	1156	8	.	.	PUNCT
framr-4076	1157	1	archival	archival	VERB
framr-4076	1157	2	research	research	NOUN
framr-4076	1157	3	on	on	ADP
framr-4076	1157	4	integrated	integrated	ADJ
framr-4076	1157	5	reporting	reporting	NOUN
framr-4076	1157	6	:	:	PUNCT
framr-4076	1157	7	a	a	DET
framr-4076	1157	8	systematic	systematic	ADJ
framr-4076	1157	9	review	review	NOUN
framr-4076	1157	10	of	of	ADP
framr-4076	1157	11	main	main	ADJ
framr-4076	1157	12	drivers	driver	NOUN
framr-4076	1157	13	and	and	CCONJ
framr-4076	1157	14	the	the	DET
framr-4076	1157	15	impact	impact	NOUN
framr-4076	1157	16	of	of	ADP
framr-4076	1157	17	integrated	integrated	ADJ
framr-4076	1157	18	reporting	reporting	NOUN
framr-4076	1157	19	on	on	ADP
framr-4076	1157	20	firm	firm	ADJ
framr-4076	1157	21	value	value	NOUN
framr-4076	1157	22	.	.	PUNCT
framr-4076	1158	1	journal	journal	NOUN
framr-4076	1158	2	of	of	ADP
framr-4076	1158	3	management	management	NOUN
framr-4076	1158	4	and	and	CCONJ
framr-4076	1158	5	governance	governance	NOUN
framr-4076	1158	6	,	,	PUNCT
framr-4076	1158	7	26(3	26(3	NUM
framr-4076	1158	8	)	)	PUNCT
framr-4076	1158	9	,	,	PUNCT
framr-4076	1158	10	997	997	NUM
framr-4076	1158	11	-	-	SYM
framr-4076	1158	12	1061	1061	NUM
framr-4076	1158	13	.	.	PUNCT
framr-4076	1159	1	https://doi.org/10.1007/s10997-021-09582-w	https://doi.org/10.1007/s10997-021-09582-w	PRON
framr-4076	1159	2	wabwile	wabwile	VERB
framr-4076	1159	3	,	,	PUNCT
framr-4076	1159	4	a.	a.	PROPN
framr-4076	1159	5	w.	w.	PROPN
framr-4076	1159	6	(	(	PUNCT
framr-4076	1159	7	2023	2023	NUM
framr-4076	1159	8	)	)	PUNCT
framr-4076	1159	9	.	.	PUNCT
framr-4076	1160	1	effect	effect	NOUN
framr-4076	1160	2	on	on	ADP
framr-4076	1160	3	climate	climate	NOUN
framr-4076	1160	4	finance	finance	NOUN
framr-4076	1160	5	practices	practice	NOUN
framr-4076	1160	6	for	for	ADP
framr-4076	1160	7	sustainable	sustainable	ADJ
framr-4076	1160	8	investment	investment	NOUN
framr-4076	1160	9	among	among	ADP
framr-4076	1160	10	commercial	commercial	ADJ
framr-4076	1160	11	bank	bank	NOUN
framr-4076	1160	12	in	in	ADP
framr-4076	1160	13	kenya	kenya	PROPN
framr-4076	1160	14	.	.	PUNCT
framr-4076	1161	1	doctoral	doctoral	ADJ
framr-4076	1161	2	dissertation	dissertation	NOUN
framr-4076	1161	3	,	,	PUNCT
framr-4076	1161	4	kca	kca	PROPN
framr-4076	1161	5	university	university	PROPN
framr-4076	1161	6	.	.	PUNCT
framr-4076	1162	1	wang	wang	PROPN
framr-4076	1162	2	,	,	PUNCT
framr-4076	1162	3	d.	d.	PROPN
framr-4076	1162	4	,	,	PUNCT
framr-4076	1162	5	walker	walker	PROPN
framr-4076	1162	6	,	,	PUNCT
framr-4076	1162	7	t.	t.	PROPN
framr-4076	1162	8	,	,	PUNCT
framr-4076	1162	9	&	&	CCONJ
framr-4076	1162	10	barabanov	barabanov	PROPN
framr-4076	1162	11	,	,	PUNCT
framr-4076	1162	12	s.	s.	PROPN
framr-4076	1162	13	(	(	PUNCT
framr-4076	1162	14	2020	2020	NUM
framr-4076	1162	15	)	)	PUNCT
framr-4076	1162	16	.	.	PUNCT
framr-4076	1163	1	a	a	DET
framr-4076	1163	2	psychological	psychological	ADJ
framr-4076	1163	3	approach	approach	NOUN
framr-4076	1163	4	to	to	ADP
framr-4076	1163	5	regaining	regain	VERB
framr-4076	1163	6	consumer	consumer	NOUN
framr-4076	1163	7	trust	trust	NOUN
framr-4076	1163	8	after	after	ADP
framr-4076	1163	9	greenwashing	greenwashe	VERB
framr-4076	1163	10	:	:	PUNCT
framr-4076	1163	11	the	the	DET
framr-4076	1163	12	case	case	NOUN
framr-4076	1163	13	of	of	ADP
framr-4076	1163	14	chinese	chinese	ADJ
framr-4076	1163	15	green	green	ADJ
framr-4076	1163	16	consumers	consumer	NOUN
framr-4076	1163	17	.	.	PUNCT
framr-4076	1164	1	journal	journal	NOUN
framr-4076	1164	2	of	of	ADP
framr-4076	1164	3	consumer	consumer	NOUN
framr-4076	1164	4	marketing	marketing	NOUN
framr-4076	1164	5	,	,	PUNCT
framr-4076	1164	6	37(6	37(6	NUM
framr-4076	1164	7	)	)	PUNCT
framr-4076	1164	8	,	,	PUNCT
framr-4076	1164	9	593	593	NUM
framr-4076	1164	10	-	-	SYM
framr-4076	1164	11	603	603	NUM
framr-4076	1164	12	.	.	PUNCT
framr-4076	1165	1	https://doi.org/10.1108/jcm-06-2019-3257	https://doi.org/10.1108/jcm-06-2019-3257	PROPN
framr-4076	1165	2	wang	wang	PROPN
framr-4076	1165	3	,	,	PUNCT
framr-4076	1165	4	w.	w.	PROPN
framr-4076	1165	5	,	,	PUNCT
framr-4076	1165	6	ma	ma	PROPN
framr-4076	1165	7	,	,	PUNCT
framr-4076	1165	8	d.	d.	PROPN
framr-4076	1165	9	,	,	PUNCT
framr-4076	1165	10	wu	wu	PROPN
framr-4076	1165	11	,	,	PUNCT
framr-4076	1165	12	f.	f.	PROPN
framr-4076	1165	13	,	,	PUNCT
framr-4076	1165	14	sun	sun	PROPN
framr-4076	1165	15	,	,	PUNCT
framr-4076	1165	16	m.	m.	NOUN
framr-4076	1165	17	,	,	PUNCT
framr-4076	1165	18	xu	xu	PROPN
framr-4076	1165	19	,	,	PUNCT
framr-4076	1165	20	s.	s.	PROPN
framr-4076	1165	21	,	,	PUNCT
framr-4076	1165	22	hua	hua	PROPN
framr-4076	1165	23	,	,	PUNCT
framr-4076	1165	24	q.	q.	PROPN
framr-4076	1165	25	,	,	PUNCT
framr-4076	1165	26	&	&	CCONJ
framr-4076	1165	27	sun	sun	PROPN
framr-4076	1165	28	,	,	PUNCT
framr-4076	1165	29	z.	z.	PROPN
framr-4076	1165	30	(	(	PUNCT
framr-4076	1165	31	2023	2023	NUM
framr-4076	1165	32	)	)	PUNCT
framr-4076	1165	33	.	.	PUNCT
framr-4076	1166	1	exploring	explore	VERB
framr-4076	1166	2	the	the	DET
framr-4076	1166	3	knowledge	knowledge	NOUN
framr-4076	1166	4	structure	structure	NOUN
framr-4076	1166	5	and	and	CCONJ
framr-4076	1166	6	hotspot	hotspot	NOUN
framr-4076	1166	7	evolution	evolution	NOUN
framr-4076	1166	8	of	of	ADP
framr-4076	1166	9	greenwashing	greenwashing	NOUN
framr-4076	1166	10	:	:	PUNCT
framr-4076	1166	11	a	a	DET
framr-4076	1166	12	visual	visual	ADJ
framr-4076	1166	13	analysis	analysis	NOUN
framr-4076	1166	14	based	base	VERB
framr-4076	1166	15	on	on	ADP
framr-4076	1166	16	bibliometrics	bibliometric	NOUN
framr-4076	1166	17	.	.	PUNCT
framr-4076	1167	1	sustainability	sustainability	NOUN
framr-4076	1167	2	,	,	PUNCT
framr-4076	1167	3	15(3	15(3	NUM
framr-4076	1167	4	)	)	PUNCT
framr-4076	1167	5	,	,	PUNCT
framr-4076	1167	6	2290	2290	NUM
framr-4076	1167	7	.	.	PUNCT
framr-4076	1168	1	https://doi.org/10.3390/su15032290	https://doi.org/10.3390/su15032290	PROPN
framr-4076	1168	2	whelan	whelan	PROPN
framr-4076	1168	3	,	,	PUNCT
framr-4076	1168	4	t.	t.	PROPN
framr-4076	1168	5	,	,	PUNCT
framr-4076	1168	6	&	&	CCONJ
framr-4076	1168	7	kronthal	kronthal	ADJ
framr-4076	1168	8	-	-	PUNCT
framr-4076	1168	9	sacco	sacco	PROPN
framr-4076	1168	10	,	,	PUNCT
framr-4076	1168	11	r.	r.	PROPN
framr-4076	1168	12	(	(	PUNCT
framr-4076	1168	13	2019	2019	NUM
framr-4076	1168	14	)	)	PUNCT
framr-4076	1168	15	.	.	PUNCT
framr-4076	1169	1	actually	actually	ADV
framr-4076	1169	2	,	,	PUNCT
framr-4076	1169	3	consumers	consumer	NOUN
framr-4076	1169	4	do	do	AUX
framr-4076	1169	5	buy	buy	VERB
framr-4076	1169	6	sustainable	sustainable	ADJ
framr-4076	1169	7	products	product	NOUN
framr-4076	1169	8	.	.	PUNCT
framr-4076	1170	1	harvard	harvard	PROPN
framr-4076	1170	2	business	business	PROPN
framr-4076	1170	3	review(june	review(june	PROPN
framr-4076	1170	4	2019	2019	NUM
framr-4076	1170	5	)	)	PUNCT
framr-4076	1170	6	,	,	PUNCT
framr-4076	1170	7	1	1	NUM
framr-4076	1170	8	-	-	SYM
framr-4076	1170	9	4	4	NUM
framr-4076	1170	10	.	.	PUNCT
framr-4076	1170	11	world	world	PROPN
framr-4076	1170	12	bank	bank	PROPN
framr-4076	1170	13	.	.	PUNCT
framr-4076	1171	1	(	(	PUNCT
framr-4076	1171	2	2020	2020	NUM
framr-4076	1171	3	)	)	PUNCT
framr-4076	1171	4	.	.	PUNCT
framr-4076	1172	1	fintech	fintech	NOUN
framr-4076	1172	2	.	.	PUNCT
framr-4076	1173	1	retrieved	retrieve	VERB
framr-4076	1173	2	from	from	ADP
framr-4076	1173	3	https://www.worldbank.org/en/topic/fintech	https://www.worldbank.org/en/topic/fintech	NOUN
framr-4076	1173	4	yang	yang	PROPN
framr-4076	1173	5	,	,	PUNCT
framr-4076	1173	6	x.	x.	NOUN
framr-4076	1173	7	(	(	PUNCT
framr-4076	1173	8	2020	2020	NUM
framr-4076	1173	9	)	)	PUNCT
framr-4076	1173	10	.	.	PUNCT
framr-4076	1174	1	fintech	fintech	NOUN
framr-4076	1174	2	in	in	ADP
framr-4076	1174	3	promoting	promote	VERB
framr-4076	1174	4	the	the	DET
framr-4076	1174	5	development	development	NOUN
framr-4076	1174	6	of	of	ADP
framr-4076	1174	7	green	green	ADJ
framr-4076	1174	8	finance	finance	NOUN
framr-4076	1174	9	in	in	ADP
framr-4076	1174	10	china	china	PROPN
framr-4076	1174	11	against	against	ADP
framr-4076	1174	12	the	the	DET
framr-4076	1174	13	background	background	NOUN
framr-4076	1174	14	of	of	ADP
framr-4076	1174	15	big	big	ADJ
framr-4076	1174	16	data	datum	NOUN
framr-4076	1174	17	and	and	CCONJ
framr-4076	1174	18	artificial	artificial	ADJ
framr-4076	1174	19	intelligence	intelligence	NOUN
framr-4076	1174	20	.	.	PUNCT
framr-4076	1175	1	paper	paper	NOUN
framr-4076	1175	2	presented	present	VERB
framr-4076	1175	3	at	at	ADP
framr-4076	1175	4	the	the	DET
framr-4076	1175	5	in	in	ADP
framr-4076	1175	6	2020	2020	NUM
framr-4076	1175	7	4th	4th	ADJ
framr-4076	1175	8	international	international	ADJ
framr-4076	1175	9	seminar	seminar	NOUN
framr-4076	1175	10	on	on	ADP
framr-4076	1175	11	education	education	NOUN
framr-4076	1175	12	innovation	innovation	NOUN
framr-4076	1175	13	and	and	CCONJ
framr-4076	1175	14	economic	economic	ADJ
framr-4076	1175	15	management	management	NOUN
framr-4076	1175	16	(	(	PUNCT
framr-4076	1175	17	seiem	seiem	NOUN
framr-4076	1175	18	)	)	PUNCT
framr-4076	1175	19	;	;	PUNCT
framr-4076	1175	20	francis	francis	PROPN
framr-4076	1175	21	academic	academic	PROPN
framr-4076	1175	22	press	press	PROPN
framr-4076	1175	23	:	:	PUNCT
framr-4076	1175	24	london	london	PROPN
framr-4076	1175	25	,	,	PUNCT
framr-4076	1175	26	uk	uk	PROPN
framr-4076	1175	27	.	.	PROPN
framr-4076	1175	28	yoganandham	yoganandham	PROPN
framr-4076	1175	29	,	,	PUNCT
framr-4076	1175	30	g.	g.	PROPN
framr-4076	1175	31	,	,	PUNCT
framr-4076	1175	32	kareem	kareem	PROPN
framr-4076	1175	33	,	,	PUNCT
framr-4076	1175	34	a.	a.	NOUN
framr-4076	1175	35	a.	a.	PROPN
framr-4076	1175	36	,	,	PUNCT
framr-4076	1175	37	&	&	CCONJ
framr-4076	1175	38	khan	khan	PROPN
framr-4076	1175	39	,	,	PUNCT
framr-4076	1175	40	e.	e.	PROPN
framr-4076	1175	41	m.	m.	PROPN
framr-4076	1175	42	i.	i.	PROPN
framr-4076	1175	43	(	(	PUNCT
framr-4076	1175	44	2024	2024	NUM
framr-4076	1175	45	)	)	PUNCT
framr-4076	1175	46	.	.	PUNCT
framr-4076	1176	1	unveiling	unveil	VERB
framr-4076	1176	2	the	the	DET
framr-4076	1176	3	shadows	shadow	NOUN
framr-4076	1176	4	-	-	PUNCT
framr-4076	1176	5	corporate	corporate	ADJ
framr-4076	1176	6	greenwashing	greenwashing	NOUN
framr-4076	1176	7	and	and	CCONJ
framr-4076	1176	8	its	its	PRON
framr-4076	1176	9	multifaceted	multifaceted	ADJ
framr-4076	1176	10	impacts	impact	NOUN
framr-4076	1176	11	on	on	ADP
framr-4076	1176	12	environment	environment	NOUN
framr-4076	1176	13	,	,	PUNCT
framr-4076	1176	14	society	society	NOUN
framr-4076	1176	15	,	,	PUNCT
framr-4076	1176	16	and	and	CCONJ
framr-4076	1176	17	governance	governance	NOUN
framr-4076	1176	18	-	-	PUNCT
framr-4076	1176	19	a	a	DET
framr-4076	1176	20	macro	macro	ADJ
framr-4076	1176	21	economic	economic	ADJ
framr-4076	1176	22	theoretical	theoretical	ADJ
framr-4076	1176	23	assessment	assessment	NOUN
framr-4076	1176	24	.	.	PUNCT
framr-4076	1177	1	humanities	humanity	NOUN
framr-4076	1177	2	,	,	PUNCT
framr-4076	1177	3	11(s3	11(s3	NUM
framr-4076	1177	4	)	)	PUNCT
framr-4076	1177	5	,	,	PUNCT
framr-4076	1177	6	20	20	NUM
framr-4076	1177	7	-	-	SYM
framr-4076	1177	8	29	29	NUM
framr-4076	1177	9	.	.	PUNCT
framr-4076	1178	1	zhou	zhou	PROPN
framr-4076	1178	2	,	,	PUNCT
framr-4076	1178	3	x.	x.	PROPN
framr-4076	1178	4	,	,	PUNCT
framr-4076	1178	5	tang	tang	PROPN
framr-4076	1178	6	,	,	PUNCT
framr-4076	1178	7	x.	x.	PROPN
framr-4076	1178	8	,	,	PUNCT
framr-4076	1178	9	&	&	CCONJ
framr-4076	1178	10	zhang	zhang	PROPN
framr-4076	1178	11	,	,	PUNCT
framr-4076	1178	12	r.	r.	PROPN
framr-4076	1178	13	(	(	PUNCT
framr-4076	1178	14	2020	2020	NUM
framr-4076	1178	15	)	)	PUNCT
framr-4076	1178	16	.	.	PUNCT
framr-4076	1179	1	impact	impact	NOUN
framr-4076	1179	2	of	of	ADP
framr-4076	1179	3	green	green	ADJ
framr-4076	1179	4	finance	finance	NOUN
framr-4076	1179	5	on	on	ADP
framr-4076	1179	6	economic	economic	ADJ
framr-4076	1179	7	development	development	NOUN
framr-4076	1179	8	and	and	CCONJ
framr-4076	1179	9	environmental	environmental	ADJ
framr-4076	1179	10	quality	quality	NOUN
framr-4076	1179	11	:	:	PUNCT
framr-4076	1179	12	a	a	DET
framr-4076	1179	13	study	study	NOUN
framr-4076	1179	14	based	base	VERB
framr-4076	1179	15	on	on	ADP
framr-4076	1179	16	provincial	provincial	ADJ
framr-4076	1179	17	panel	panel	NOUN
framr-4076	1179	18	data	datum	NOUN
framr-4076	1179	19	from	from	ADP
framr-4076	1179	20	china	china	PROPN
framr-4076	1179	21	.	.	PUNCT
framr-4076	1180	1	environmental	environmental	ADJ
framr-4076	1180	2	science	science	NOUN
framr-4076	1180	3	and	and	CCONJ
framr-4076	1180	4	pollution	pollution	NOUN
framr-4076	1180	5	research	research	NOUN
framr-4076	1180	6	,	,	PUNCT
framr-4076	1180	7	27	27	NUM
framr-4076	1180	8	,	,	PUNCT
framr-4076	1180	9	19915	19915	NUM
framr-4076	1180	10	-	-	SYM
framr-4076	1180	11	19932	19932	NUM
framr-4076	1180	12	.	.	PUNCT
framr-4076	1181	1	https://doi.org/10.1007/s11356-020-08383-2	https://doi.org/10.1007/s11356-020-08383-2	NUM
framr-4076	1181	2	zych	zych	NOUN
framr-4076	1181	3	,	,	PUNCT
framr-4076	1181	4	g.	g.	PROPN
framr-4076	1181	5	,	,	PUNCT
framr-4076	1181	6	budka	budka	PROPN
framr-4076	1181	7	,	,	PUNCT
framr-4076	1181	8	b.	b.	PROPN
framr-4076	1181	9	,	,	PUNCT
framr-4076	1181	10	czarnecka	czarnecka	PROPN
framr-4076	1181	11	,	,	PUNCT
framr-4076	1181	12	m.	m.	NOUN
framr-4076	1181	13	,	,	PUNCT
framr-4076	1181	14	kinelski	kinelski	PROPN
framr-4076	1181	15	,	,	PUNCT
framr-4076	1181	16	g.	g.	PROPN
framr-4076	1181	17	,	,	PUNCT
framr-4076	1181	18	&	&	CCONJ
framr-4076	1181	19	wójcik	wójcik	PROPN
framr-4076	1181	20	-	-	PUNCT
framr-4076	1181	21	jurkiewicz	jurkiewicz	PROPN
framr-4076	1181	22	,	,	PUNCT
framr-4076	1181	23	m.	m.	NOUN
framr-4076	1181	24	(	(	PUNCT
framr-4076	1181	25	2021	2021	NUM
framr-4076	1181	26	)	)	PUNCT
framr-4076	1181	27	.	.	PUNCT
framr-4076	1182	1	concept	concept	NOUN
framr-4076	1182	2	,	,	PUNCT
framr-4076	1182	3	developments	development	NOUN
framr-4076	1182	4	,	,	PUNCT
framr-4076	1182	5	and	and	CCONJ
framr-4076	1182	6	consequences	consequence	NOUN
framr-4076	1182	7	of	of	ADP
framr-4076	1182	8	greenwashing	greenwashing	NOUN
framr-4076	1182	9	.	.	PUNCT
framr-4076	1183	1	european	european	ADJ
framr-4076	1183	2	research	research	PROPN
framr-4076	1183	3	studies	study	NOUN
framr-4076	1183	4	,	,	PUNCT
framr-4076	1183	5	24(4b	24(4b	NUM
framr-4076	1183	6	)	)	PUNCT
framr-4076	1183	7	,	,	PUNCT
framr-4076	1183	8	914	914	NUM
framr-4076	1183	9	-	-	SYM
framr-4076	1183	10	922	922	NUM
framr-4076	1183	11	.	.	PUNCT
framr-4076	1184	1	https://doi.org/10.35808/ersj/2779	https://doi.org/10.35808/ersj/2779	PROPN
framr-4076	1184	2	views	view	NOUN
framr-4076	1184	3	and	and	CCONJ
framr-4076	1184	4	opinions	opinion	NOUN
framr-4076	1184	5	expressed	express	VERB
framr-4076	1184	6	in	in	ADP
framr-4076	1184	7	this	this	DET
framr-4076	1184	8	article	article	NOUN
framr-4076	1184	9	are	be	AUX
framr-4076	1184	10	the	the	DET
framr-4076	1184	11	views	view	NOUN
framr-4076	1184	12	and	and	CCONJ
framr-4076	1184	13	opinions	opinion	NOUN
framr-4076	1184	14	of	of	ADP
framr-4076	1184	15	the	the	DET
framr-4076	1184	16	author(s	author(s	NOUN
framr-4076	1184	17	)	)	PUNCT
framr-4076	1184	18	,	,	PUNCT
framr-4076	1184	19	financial	financial	ADJ
framr-4076	1184	20	risk	risk	NOUN
framr-4076	1184	21	and	and	CCONJ
framr-4076	1184	22	management	management	NOUN
framr-4076	1184	23	reviews	review	NOUN
framr-4076	1184	24	shall	shall	AUX
framr-4076	1184	25	not	not	PART
framr-4076	1184	26	be	be	AUX
framr-4076	1184	27	responsible	responsible	ADJ
framr-4076	1184	28	or	or	CCONJ
framr-4076	1184	29	answerable	answerable	ADJ
framr-4076	1184	30	for	for	ADP
framr-4076	1184	31	any	any	DET
framr-4076	1184	32	loss	loss	NOUN
framr-4076	1184	33	,	,	PUNCT
framr-4076	1184	34	damage	damage	NOUN
framr-4076	1184	35	or	or	CCONJ
framr-4076	1184	36	liability	liability	NOUN
framr-4076	1184	37	etc	etc	X
framr-4076	1184	38	.	.	X
framr-4076	1185	1	caused	cause	VERB
framr-4076	1185	2	in	in	ADP
framr-4076	1185	3	relation	relation	NOUN
framr-4076	1185	4	to	to	PART
framr-4076	1185	5	/	/	PUNCT
framr-4076	1185	6	arising	arise	VERB
framr-4076	1185	7	out	out	ADP
framr-4076	1185	8	of	of	ADP
framr-4076	1185	9	the	the	DET
framr-4076	1185	10	use	use	NOUN
framr-4076	1185	11	of	of	ADP
framr-4076	1185	12	the	the	DET
framr-4076	1185	13	content	content	NOUN
framr-4076	1185	14	.	.	PUNCT
framr-4076	1186	1	https://doi.org/10.1002/bse.2373	https://doi.org/10.1002/bse.2373	PROPN
framr-4076	1186	2	https://www.sec.gov/news/press-release/2021-42	https://www.sec.gov/news/press-release/2021-42	PROPN
framr-4076	1186	3	https://doi.org/10.3390/su14063321	https://doi.org/10.3390/su14063321	NOUN
framr-4076	1186	4	https://doi.org/10.1007/s10997-021-09582-w	https://doi.org/10.1007/s10997-021-09582-w	PROPN
framr-4076	1186	5	https://doi.org/10.1108/jcm-06-2019-3257	https://doi.org/10.1108/jcm-06-2019-3257	NOUN
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framr-4076	1186	7	https://www.worldbank.org/en/topic/fintech	https://www.worldbank.org/en/topic/fintech	NOUN
framr-4076	1186	8	https://doi.org/10.1007/s11356-020-08383-2	https://doi.org/10.1007/s11356-020-08383-2	NUM
framr-4076	1186	9	https://doi.org/10.35808/ersj/2779	https://doi.org/10.35808/ersj/2779	PROPN