id	sid	tid	token	lemma	pos
fbem-1068	1	1	frontiers	frontier	NOUN
fbem-1068	1	2	in	in	ADP
fbem-1068	1	3	business	business	NOUN
fbem-1068	1	4	,	,	PUNCT
fbem-1068	1	5	economics	economic	NOUN
fbem-1068	1	6	and	and	CCONJ
fbem-1068	1	7	management	management	NOUN
fbem-1068	1	8	issn	issn	PROPN
fbem-1068	1	9	:	:	PUNCT
fbem-1068	1	10	2766	2766	NUM
fbem-1068	1	11	-	-	PUNCT
fbem-1068	1	12	824x	824x	NUM
fbem-1068	1	13	|	|	ADJ
fbem-1068	1	14	vol	vol	NOUN
fbem-1068	1	15	.	.	PROPN
fbem-1068	2	1	4	4	NUM
fbem-1068	2	2	,	,	PUNCT
fbem-1068	2	3	no	no	INTJ
fbem-1068	2	4	.	.	NOUN
fbem-1068	2	5	3	3	NUM
fbem-1068	2	6	,	,	PUNCT
fbem-1068	2	7	2022	2022	NUM
fbem-1068	2	8	34	34	NUM
fbem-1068	2	9	technical	technical	ADJ
fbem-1068	2	10	features	feature	NOUN
fbem-1068	2	11	and	and	CCONJ
fbem-1068	2	12	trends	trend	NOUN
fbem-1068	2	13	of	of	ADP
fbem-1068	2	14	data	datum	NOUN
fbem-1068	2	15	science	science	NOUN
fbem-1068	2	16	in	in	ADP
fbem-1068	2	17	financial	financial	ADJ
fbem-1068	2	18	engineering	engineering	NOUN
fbem-1068	2	19	songyuanyi	songyuanyi	PROPN
fbem-1068	2	20	lu	lu	PROPN
fbem-1068	2	21	linbinyuan	linbinyuan	PROPN
fbem-1068	2	22	building	building	PROPN
fbem-1068	2	23	b	b	PROPN
fbem-1068	2	24	room	room	NOUN
fbem-1068	2	25	402	402	NUM
fbem-1068	2	26	,	,	PUNCT
fbem-1068	2	27	binhu	binhu	ADJ
fbem-1068	2	28	new	new	ADJ
fbem-1068	2	29	district	district	NOUN
fbem-1068	2	30	,	,	PUNCT
fbem-1068	2	31	hefei	hefei	PROPN
fbem-1068	2	32	,	,	PUNCT
fbem-1068	2	33	230000	230000	NUM
fbem-1068	2	34	,	,	PUNCT
fbem-1068	2	35	china	china	PROPN
fbem-1068	2	36	abstract	abstract	NOUN
fbem-1068	2	37	:	:	PUNCT
fbem-1068	2	38	in	in	ADP
fbem-1068	2	39	the	the	DET
fbem-1068	2	40	new	new	ADJ
fbem-1068	2	41	financial	financial	ADJ
fbem-1068	2	42	era	era	NOUN
fbem-1068	2	43	,	,	PUNCT
fbem-1068	2	44	the	the	DET
fbem-1068	2	45	huge	huge	ADJ
fbem-1068	2	46	amount	amount	NOUN
fbem-1068	2	47	of	of	ADP
fbem-1068	2	48	data	datum	NOUN
fbem-1068	2	49	brings	bring	VERB
fbem-1068	2	50	more	more	ADJ
fbem-1068	2	51	challenges	challenge	NOUN
fbem-1068	2	52	to	to	ADP
fbem-1068	2	53	the	the	DET
fbem-1068	2	54	traditional	traditional	ADJ
fbem-1068	2	55	financial	financial	ADJ
fbem-1068	2	56	business	business	NOUN
fbem-1068	2	57	and	and	CCONJ
fbem-1068	2	58	creates	create	VERB
fbem-1068	2	59	unprecedented	unprecedented	ADJ
fbem-1068	2	60	opportunities	opportunity	NOUN
fbem-1068	2	61	at	at	ADP
fbem-1068	2	62	the	the	DET
fbem-1068	2	63	same	same	ADJ
fbem-1068	2	64	time	time	NOUN
fbem-1068	2	65	.	.	PUNCT
fbem-1068	3	1	in	in	ADP
fbem-1068	3	2	the	the	DET
fbem-1068	3	3	financial	financial	ADJ
fbem-1068	3	4	industry	industry	NOUN
fbem-1068	3	5	,	,	PUNCT
fbem-1068	3	6	the	the	DET
fbem-1068	3	7	use	use	NOUN
fbem-1068	3	8	of	of	ADP
fbem-1068	3	9	data	datum	NOUN
fbem-1068	3	10	science	science	NOUN
fbem-1068	3	11	by	by	ADP
fbem-1068	3	12	financial	financial	ADJ
fbem-1068	3	13	institutions	institution	NOUN
fbem-1068	3	14	has	have	AUX
fbem-1068	3	15	significantly	significantly	ADV
fbem-1068	3	16	deepened	deepen	VERB
fbem-1068	3	17	,	,	PUNCT
fbem-1068	3	18	from	from	ADP
fbem-1068	3	19	the	the	DET
fbem-1068	3	20	traditional	traditional	ADJ
fbem-1068	3	21	"	"	PUNCT
fbem-1068	3	22	data	data	NOUN
fbem-1068	3	23	visualization	visualization	NOUN
fbem-1068	3	24	presentation	presentation	NOUN
fbem-1068	3	25	"	"	PUNCT
fbem-1068	3	26	to	to	ADP
fbem-1068	3	27	"	"	PUNCT
fbem-1068	3	28	data	data	NOUN
fbem-1068	3	29	-	-	PUNCT
fbem-1068	3	30	based	base	VERB
fbem-1068	3	31	decision	decision	NOUN
fbem-1068	3	32	analysis	analysis	NOUN
fbem-1068	3	33	"	"	PUNCT
fbem-1068	3	34	.	.	PUNCT
fbem-1068	4	1	this	this	DET
fbem-1068	4	2	paper	paper	NOUN
fbem-1068	4	3	analyzes	analyze	VERB
fbem-1068	4	4	the	the	DET
fbem-1068	4	5	technical	technical	ADJ
fbem-1068	4	6	characteristics	characteristic	NOUN
fbem-1068	4	7	and	and	CCONJ
fbem-1068	4	8	development	development	NOUN
fbem-1068	4	9	trend	trend	NOUN
fbem-1068	4	10	of	of	ADP
fbem-1068	4	11	data	datum	NOUN
fbem-1068	4	12	science	science	NOUN
fbem-1068	4	13	in	in	ADP
fbem-1068	4	14	financial	financial	ADJ
fbem-1068	4	15	engineering	engineering	NOUN
fbem-1068	4	16	against	against	ADP
fbem-1068	4	17	the	the	DET
fbem-1068	4	18	background	background	NOUN
fbem-1068	4	19	of	of	ADP
fbem-1068	4	20	rapid	rapid	ADJ
fbem-1068	4	21	development	development	NOUN
fbem-1068	4	22	of	of	ADP
fbem-1068	4	23	financial	financial	ADJ
fbem-1068	4	24	technology	technology	NOUN
fbem-1068	4	25	.	.	PUNCT
fbem-1068	5	1	keywords	keyword	NOUN
fbem-1068	5	2	:	:	PUNCT
fbem-1068	5	3	data	data	NOUN
fbem-1068	5	4	science	science	NOUN
fbem-1068	5	5	,	,	PUNCT
fbem-1068	5	6	financial	financial	ADJ
fbem-1068	5	7	engineering	engineering	NOUN
fbem-1068	5	8	,	,	PUNCT
fbem-1068	5	9	technical	technical	ADJ
fbem-1068	5	10	characteristics	characteristic	NOUN
fbem-1068	5	11	,	,	PUNCT
fbem-1068	5	12	development	development	NOUN
fbem-1068	5	13	trend	trend	NOUN
fbem-1068	5	14	.	.	PUNCT
fbem-1068	6	1	1	1	X
fbem-1068	6	2	.	.	X
fbem-1068	6	3	introduction	introduction	NOUN
fbem-1068	6	4	financial	financial	ADJ
fbem-1068	6	5	engineering	engineering	NOUN
fbem-1068	6	6	is	be	AUX
fbem-1068	6	7	a	a	DET
fbem-1068	6	8	cross	cross	ADJ
fbem-1068	6	9	-	-	ADJ
fbem-1068	6	10	cutting	cutting	ADJ
fbem-1068	6	11	discipline	discipline	NOUN
fbem-1068	6	12	that	that	PRON
fbem-1068	6	13	deeply	deeply	ADV
fbem-1068	6	14	integrates	integrate	VERB
fbem-1068	6	15	theories	theory	NOUN
fbem-1068	6	16	and	and	CCONJ
fbem-1068	6	17	methods	method	NOUN
fbem-1068	6	18	from	from	ADP
fbem-1068	6	19	disciplines	discipline	NOUN
fbem-1068	6	20	such	such	ADJ
fbem-1068	6	21	as	as	ADP
fbem-1068	6	22	finance	finance	NOUN
fbem-1068	6	23	,	,	PUNCT
fbem-1068	6	24	mathematics	mathematic	NOUN
fbem-1068	6	25	,	,	PUNCT
fbem-1068	6	26	and	and	CCONJ
fbem-1068	6	27	information	information	NOUN
fbem-1068	6	28	and	and	CCONJ
fbem-1068	6	29	computing	computing	NOUN
fbem-1068	6	30	sciences	science	NOUN
fbem-1068	6	31	.	.	PUNCT
fbem-1068	7	1	data	datum	NOUN
fbem-1068	7	2	science	science	NOUN
fbem-1068	7	3	requires	require	VERB
fbem-1068	7	4	mathematical	mathematical	ADJ
fbem-1068	7	5	statistics	statistic	NOUN
fbem-1068	7	6	,	,	PUNCT
fbem-1068	7	7	computers	computer	NOUN
fbem-1068	7	8	,	,	PUNCT
fbem-1068	7	9	and	and	CCONJ
fbem-1068	7	10	specialized	specialized	ADJ
fbem-1068	7	11	knowledge	knowledge	NOUN
fbem-1068	7	12	,	,	PUNCT
fbem-1068	7	13	etc	etc	X
fbem-1068	7	14	.	.	X
fbem-1068	8	1	the	the	DET
fbem-1068	8	2	process	process	NOUN
fbem-1068	8	3	involves	involve	VERB
fbem-1068	8	4	collecting	collect	VERB
fbem-1068	8	5	,	,	PUNCT
fbem-1068	8	6	cleaning	cleaning	NOUN
fbem-1068	8	7	,	,	PUNCT
fbem-1068	8	8	transforming	transform	VERB
fbem-1068	8	9	,	,	PUNCT
fbem-1068	8	10	and	and	CCONJ
fbem-1068	8	11	manipulating	manipulate	VERB
fbem-1068	8	12	data	datum	NOUN
fbem-1068	8	13	,	,	PUNCT
fbem-1068	8	14	exploratory	exploratory	ADJ
fbem-1068	8	15	analysis	analysis	NOUN
fbem-1068	8	16	,	,	PUNCT
fbem-1068	8	17	and	and	CCONJ
fbem-1068	8	18	modeling	model	VERB
fbem-1068	8	19	data	datum	NOUN
fbem-1068	8	20	using	use	VERB
fbem-1068	8	21	methods	method	NOUN
fbem-1068	8	22	such	such	ADJ
fbem-1068	8	23	as	as	ADP
fbem-1068	8	24	machine	machine	NOUN
fbem-1068	8	25	learning	learning	NOUN
fbem-1068	8	26	,	,	PUNCT
fbem-1068	8	27	and	and	CCONJ
fbem-1068	8	28	visualizing	visualize	VERB
fbem-1068	8	29	data	datum	NOUN
fbem-1068	8	30	as	as	ADP
fbem-1068	8	31	needed.[1	needed.[1	NOUN
fbem-1068	8	32	]	]	X
fbem-1068	8	33	quantitative	quantitative	ADJ
fbem-1068	8	34	investment	investment	NOUN
fbem-1068	8	35	in	in	ADP
fbem-1068	8	36	financial	financial	ADJ
fbem-1068	8	37	engineering	engineering	NOUN
fbem-1068	8	38	is	be	AUX
fbem-1068	8	39	precisely	precisely	ADV
fbem-1068	8	40	the	the	DET
fbem-1068	8	41	realization	realization	NOUN
fbem-1068	8	42	of	of	ADP
fbem-1068	8	43	the	the	DET
fbem-1068	8	44	application	application	NOUN
fbem-1068	8	45	of	of	ADP
fbem-1068	8	46	data	datum	NOUN
fbem-1068	8	47	science	science	NOUN
fbem-1068	8	48	in	in	ADP
fbem-1068	8	49	the	the	DET
fbem-1068	8	50	field	field	NOUN
fbem-1068	8	51	of	of	ADP
fbem-1068	8	52	investment	investment	NOUN
fbem-1068	8	53	,	,	PUNCT
fbem-1068	8	54	and	and	CCONJ
fbem-1068	8	55	data	datum	NOUN
fbem-1068	8	56	science	science	NOUN
fbem-1068	8	57	is	be	AUX
fbem-1068	8	58	important	important	ADJ
fbem-1068	8	59	for	for	ADP
fbem-1068	8	60	the	the	DET
fbem-1068	8	61	robustness	robustness	NOUN
fbem-1068	8	62	of	of	ADP
fbem-1068	8	63	quantitative	quantitative	ADJ
fbem-1068	8	64	investment	investment	NOUN
fbem-1068	8	65	.	.	PUNCT
fbem-1068	9	1	2	2	X
fbem-1068	9	2	.	.	X
fbem-1068	9	3	the	the	DET
fbem-1068	9	4	convergence	convergence	NOUN
fbem-1068	9	5	of	of	ADP
fbem-1068	9	6	data	datum	NOUN
fbem-1068	9	7	science	science	NOUN
fbem-1068	9	8	and	and	CCONJ
fbem-1068	9	9	financial	financial	ADJ
fbem-1068	9	10	engineering	engineering	NOUN
fbem-1068	9	11	in	in	ADP
fbem-1068	9	12	2019	2019	NUM
fbem-1068	9	13	,	,	PUNCT
fbem-1068	9	14	wef	wef	PROPN
fbem-1068	9	15	released	release	VERB
fbem-1068	9	16	the	the	DET
fbem-1068	9	17	report	report	NOUN
fbem-1068	9	18	《	《	NOUN
fbem-1068	9	19	data	datum	NOUN
fbem-1068	9	20	science	science	NOUN
fbem-1068	9	21	in	in	ADP
fbem-1068	9	22	the	the	DET
fbem-1068	9	23	new	new	ADJ
fbem-1068	9	24	economy	economy	NOUN
fbem-1068	9	25	:	:	PUNCT
fbem-1068	9	26	a	a	DET
fbem-1068	9	27	new	new	ADJ
fbem-1068	9	28	race	race	NOUN
fbem-1068	9	29	for	for	ADP
fbem-1068	9	30	talent	talent	NOUN
fbem-1068	9	31	in	in	ADP
fbem-1068	9	32	the	the	DET
fbem-1068	9	33	fourth	fourth	ADJ
fbem-1068	9	34	industrial	industrial	ADJ
fbem-1068	9	35	revolution》[2	revolution》[2	PROPN
fbem-1068	9	36	]	]	PUNCT
fbem-1068	9	37	.	.	PUNCT
fbem-1068	10	1	the	the	DET
fbem-1068	10	2	report	report	NOUN
fbem-1068	10	3	argues	argue	VERB
fbem-1068	10	4	that	that	SCONJ
fbem-1068	10	5	data	data	NOUN
fbem-1068	10	6	science	science	NOUN
fbem-1068	10	7	will	will	AUX
fbem-1068	10	8	be	be	AUX
fbem-1068	10	9	a	a	DET
fbem-1068	10	10	fundamental	fundamental	ADJ
fbem-1068	10	11	skill	skill	NOUN
fbem-1068	10	12	in	in	ADP
fbem-1068	10	13	the	the	DET
fbem-1068	10	14	future	future	NOUN
fbem-1068	10	15	for	for	ADP
fbem-1068	10	16	industries	industry	NOUN
fbem-1068	10	17	such	such	ADJ
fbem-1068	10	18	as	as	ADP
fbem-1068	10	19	artificial	artificial	ADJ
fbem-1068	10	20	intelligence	intelligence	NOUN
fbem-1068	10	21	,	,	PUNCT
fbem-1068	10	22	machine	machine	NOUN
fbem-1068	10	23	learning	learning	NOUN
fbem-1068	10	24	,	,	PUNCT
fbem-1068	10	25	infocommunications	infocommunication	NOUN
fbem-1068	10	26	,	,	PUNCT
fbem-1068	10	27	media	medium	NOUN
fbem-1068	10	28	and	and	CCONJ
fbem-1068	10	29	entertainment	entertainment	NOUN
fbem-1068	10	30	,	,	PUNCT
fbem-1068	10	31	finance	finance	NOUN
fbem-1068	10	32	and	and	CCONJ
fbem-1068	10	33	services	service	NOUN
fbem-1068	10	34	,	,	PUNCT
fbem-1068	10	35	and	and	CCONJ
fbem-1068	10	36	is	be	AUX
fbem-1068	10	37	particularly	particularly	ADV
fbem-1068	10	38	important	important	ADJ
fbem-1068	10	39	for	for	ADP
fbem-1068	10	40	economic	economic	ADJ
fbem-1068	10	41	growth	growth	NOUN
fbem-1068	10	42	.	.	PUNCT
fbem-1068	11	1	it	it	PRON
fbem-1068	11	2	is	be	AUX
fbem-1068	11	3	common	common	ADJ
fbem-1068	11	4	to	to	PART
fbem-1068	11	5	refer	refer	VERB
fbem-1068	11	6	to	to	ADP
fbem-1068	11	7	information	information	NOUN
fbem-1068	11	8	data	datum	NOUN
fbem-1068	11	9	as	as	ADP
fbem-1068	11	10	the	the	DET
fbem-1068	11	11	"	"	PUNCT
fbem-1068	11	12	new	new	ADJ
fbem-1068	11	13	oil	oil	NOUN
fbem-1068	11	14	"	"	PUNCT
fbem-1068	11	15	of	of	ADP
fbem-1068	11	16	the	the	DET
fbem-1068	11	17	global	global	ADJ
fbem-1068	11	18	economy	economy	NOUN
fbem-1068	11	19	,	,	PUNCT
fbem-1068	11	20	and	and	CCONJ
fbem-1068	11	21	data	datum	NOUN
fbem-1068	11	22	scientists	scientist	NOUN
fbem-1068	11	23	are	be	AUX
fbem-1068	11	24	the	the	DET
fbem-1068	11	25	people	people	NOUN
fbem-1068	11	26	who	who	PRON
fbem-1068	11	27	can	can	AUX
fbem-1068	11	28	extract	extract	VERB
fbem-1068	11	29	,	,	PUNCT
fbem-1068	11	30	refine	refine	VERB
fbem-1068	11	31	and	and	CCONJ
fbem-1068	11	32	deploy	deploy	VERB
fbem-1068	11	33	this	this	DET
fbem-1068	11	34	strategically	strategically	ADV
fbem-1068	11	35	valuable	valuable	ADJ
fbem-1068	11	36	energy	energy	NOUN
fbem-1068	11	37	in	in	ADP
fbem-1068	11	38	the	the	DET
fbem-1068	11	39	global	global	ADJ
fbem-1068	11	40	economy	economy	NOUN
fbem-1068	11	41	.	.	PUNCT
fbem-1068	12	1	starting	start	VERB
fbem-1068	12	2	from	from	ADP
fbem-1068	12	3	the	the	DET
fbem-1068	12	4	essential	essential	ADJ
fbem-1068	12	5	connotation	connotation	NOUN
fbem-1068	12	6	of	of	ADP
fbem-1068	12	7	fintech	fintech	NOUN
fbem-1068	12	8	,	,	PUNCT
fbem-1068	12	9	combined	combine	VERB
fbem-1068	12	10	with	with	ADP
fbem-1068	12	11	the	the	DET
fbem-1068	12	12	history	history	NOUN
fbem-1068	12	13	and	and	CCONJ
fbem-1068	12	14	reality	reality	NOUN
fbem-1068	12	15	of	of	ADP
fbem-1068	12	16	fintech	fintech	NOUN
fbem-1068	12	17	development	development	NOUN
fbem-1068	12	18	,	,	PUNCT
fbem-1068	12	19	a	a	DET
fbem-1068	12	20	basic	basic	ADJ
fbem-1068	12	21	analytical	analytical	ADJ
fbem-1068	12	22	framework	framework	NOUN
fbem-1068	12	23	can	can	AUX
fbem-1068	12	24	be	be	AUX
fbem-1068	12	25	constructed	construct	VERB
fbem-1068	12	26	about	about	ADP
fbem-1068	12	27	the	the	DET
fbem-1068	12	28	evolutionary	evolutionary	ADJ
fbem-1068	12	29	logic	logic	NOUN
fbem-1068	12	30	of	of	ADP
fbem-1068	12	31	fintech	fintech	NOUN
fbem-1068	12	32	development	development	NOUN
fbem-1068	12	33	.	.	PUNCT
fbem-1068	13	1	[	[	X
fbem-1068	13	2	3]the	3]the	DET
fbem-1068	13	3	traditional	traditional	ADJ
fbem-1068	13	4	financial	financial	ADJ
fbem-1068	13	5	service	service	NOUN
fbem-1068	13	6	field	field	NOUN
fbem-1068	13	7	can	can	AUX
fbem-1068	13	8	not	not	PART
fbem-1068	13	9	be	be	AUX
fbem-1068	13	10	separated	separate	VERB
fbem-1068	13	11	from	from	ADP
fbem-1068	13	12	two	two	NUM
fbem-1068	13	13	main	main	ADJ
fbem-1068	13	14	subjects	subject	NOUN
fbem-1068	13	15	,	,	PUNCT
fbem-1068	13	16	one	one	NUM
fbem-1068	13	17	of	of	ADP
fbem-1068	13	18	which	which	PRON
fbem-1068	13	19	is	be	AUX
fbem-1068	13	20	the	the	DET
fbem-1068	13	21	customer	customer	NOUN
fbem-1068	13	22	and	and	CCONJ
fbem-1068	13	23	the	the	DET
fbem-1068	13	24	other	other	ADJ
fbem-1068	13	25	is	be	AUX
fbem-1068	13	26	the	the	DET
fbem-1068	13	27	financial	financial	ADJ
fbem-1068	13	28	institution	institution	NOUN
fbem-1068	13	29	.	.	PUNCT
fbem-1068	14	1	the	the	DET
fbem-1068	14	2	former	former	ADJ
fbem-1068	14	3	is	be	AUX
fbem-1068	14	4	the	the	DET
fbem-1068	14	5	object	object	NOUN
fbem-1068	14	6	and	and	CCONJ
fbem-1068	14	7	demand	demand	VERB
fbem-1068	14	8	side	side	NOUN
fbem-1068	14	9	of	of	ADP
fbem-1068	14	10	financial	financial	ADJ
fbem-1068	14	11	services	service	NOUN
fbem-1068	14	12	,	,	PUNCT
fbem-1068	14	13	while	while	SCONJ
fbem-1068	14	14	the	the	DET
fbem-1068	14	15	latter	latter	ADJ
fbem-1068	14	16	is	be	AUX
fbem-1068	14	17	the	the	DET
fbem-1068	14	18	supply	supply	NOUN
fbem-1068	14	19	side	side	NOUN
fbem-1068	14	20	of	of	ADP
fbem-1068	14	21	financial	financial	ADJ
fbem-1068	14	22	services	service	NOUN
fbem-1068	14	23	.	.	PUNCT
fbem-1068	15	1	financial	financial	ADJ
fbem-1068	15	2	technology	technology	NOUN
fbem-1068	15	3	has	have	AUX
fbem-1068	15	4	injected	inject	VERB
fbem-1068	15	5	two	two	NUM
fbem-1068	15	6	subjects	subject	NOUN
fbem-1068	15	7	with	with	ADP
fbem-1068	15	8	new	new	ADJ
fbem-1068	15	9	connotation	connotation	NOUN
fbem-1068	15	10	into	into	ADP
fbem-1068	15	11	the	the	DET
fbem-1068	15	12	traditional	traditional	ADJ
fbem-1068	15	13	financial	financial	ADJ
fbem-1068	15	14	service	service	NOUN
fbem-1068	15	15	field	field	NOUN
fbem-1068	15	16	:	:	PUNCT
fbem-1068	15	17	data	datum	NOUN
fbem-1068	15	18	and	and	CCONJ
fbem-1068	15	19	technology	technology	NOUN
fbem-1068	15	20	.	.	PUNCT
fbem-1068	16	1	the	the	DET
fbem-1068	16	2	history	history	NOUN
fbem-1068	16	3	of	of	ADP
fbem-1068	16	4	financial	financial	ADJ
fbem-1068	16	5	development	development	NOUN
fbem-1068	16	6	is	be	AUX
fbem-1068	16	7	accompanied	accompany	VERB
fbem-1068	16	8	by	by	ADP
fbem-1068	16	9	the	the	DET
fbem-1068	16	10	increasingly	increasingly	ADV
fbem-1068	16	11	close	close	ADJ
fbem-1068	16	12	integration	integration	NOUN
fbem-1068	16	13	of	of	ADP
fbem-1068	16	14	technology	technology	NOUN
fbem-1068	16	15	and	and	CCONJ
fbem-1068	16	16	finance	finance	NOUN
fbem-1068	16	17	.	.	PUNCT
fbem-1068	17	1	technology	technology	NOUN
fbem-1068	17	2	has	have	AUX
fbem-1068	17	3	reshaped	reshape	VERB
fbem-1068	17	4	the	the	DET
fbem-1068	17	5	financial	financial	ADJ
fbem-1068	17	6	industry	industry	NOUN
fbem-1068	17	7	,	,	PUNCT
fbem-1068	17	8	and	and	CCONJ
fbem-1068	17	9	the	the	DET
fbem-1068	17	10	application	application	NOUN
fbem-1068	17	11	of	of	ADP
fbem-1068	17	12	technology	technology	NOUN
fbem-1068	17	13	has	have	AUX
fbem-1068	17	14	given	give	VERB
fbem-1068	17	15	the	the	DET
fbem-1068	17	16	modern	modern	ADJ
fbem-1068	17	17	financial	financial	ADJ
fbem-1068	17	18	industry	industry	NOUN
fbem-1068	17	19	a	a	DET
fbem-1068	17	20	stronger	strong	ADJ
fbem-1068	17	21	vitality	vitality	NOUN
fbem-1068	17	22	.	.	PUNCT
fbem-1068	18	1	figure	figure	NOUN
fbem-1068	18	2	1	1	NUM
fbem-1068	18	3	.	.	PUNCT
fbem-1068	19	1	a	a	DET
fbem-1068	19	2	framework	framework	NOUN
fbem-1068	19	3	for	for	ADP
fbem-1068	19	4	the	the	DET
fbem-1068	19	5	integration	integration	NOUN
fbem-1068	19	6	of	of	ADP
fbem-1068	19	7	financial	financial	ADJ
fbem-1068	19	8	engineering	engineering	NOUN
fbem-1068	19	9	and	and	CCONJ
fbem-1068	19	10	data	datum	NOUN
fbem-1068	19	11	science	science	NOUN
fbem-1068	19	12	3	3	NUM
fbem-1068	19	13	.	.	PUNCT
fbem-1068	20	1	technical	technical	ADJ
fbem-1068	20	2	characteristics	characteristic	NOUN
fbem-1068	20	3	of	of	ADP
fbem-1068	20	4	data	datum	NOUN
fbem-1068	20	5	science	science	NOUN
fbem-1068	20	6	in	in	ADP
fbem-1068	20	7	the	the	DET
fbem-1068	20	8	field	field	NOUN
fbem-1068	20	9	of	of	ADP
fbem-1068	20	10	financial	financial	ADJ
fbem-1068	20	11	engineering	engineering	NOUN
fbem-1068	20	12	3.1	3.1	NUM
fbem-1068	20	13	.	.	PUNCT
fbem-1068	21	1	deep	deep	ADJ
fbem-1068	21	2	integration	integration	NOUN
fbem-1068	21	3	of	of	ADP
fbem-1068	21	4	data	datum	NOUN
fbem-1068	21	5	model	model	NOUN
fbem-1068	21	6	and	and	CCONJ
fbem-1068	21	7	financial	financial	ADJ
fbem-1068	21	8	business	business	NOUN
fbem-1068	21	9	data	datum	NOUN
fbem-1068	21	10	science	science	NOUN
fbem-1068	21	11	,	,	PUNCT
fbem-1068	21	12	on	on	ADP
fbem-1068	21	13	the	the	DET
fbem-1068	21	14	one	one	NUM
fbem-1068	21	15	hand	hand	NOUN
fbem-1068	21	16	,	,	PUNCT
fbem-1068	21	17	focuses	focus	VERB
fbem-1068	21	18	on	on	ADP
fbem-1068	21	19	the	the	DET
fbem-1068	21	20	process	process	NOUN
fbem-1068	21	21	of	of	ADP
fbem-1068	21	22	collecting	collecting	NOUN
fbem-1068	21	23	,	,	PUNCT
fbem-1068	21	24	organizing	organize	VERB
fbem-1068	21	25	and	and	CCONJ
fbem-1068	21	26	analyzing	analyze	VERB
fbem-1068	21	27	data	datum	NOUN
fbem-1068	21	28	,	,	PUNCT
fbem-1068	21	29	and	and	CCONJ
fbem-1068	21	30	on	on	ADP
fbem-1068	21	31	the	the	DET
fbem-1068	21	32	other	other	ADJ
fbem-1068	21	33	hand	hand	NOUN
fbem-1068	21	34	,	,	PUNCT
fbem-1068	21	35	data	datum	NOUN
fbem-1068	21	36	science	science	NOUN
fbem-1068	21	37	itself	itself	PRON
fbem-1068	21	38	is	be	AUX
fbem-1068	21	39	not	not	PART
fbem-1068	21	40	limited	limit	VERB
fbem-1068	21	41	to	to	ADP
fbem-1068	21	42	a	a	DET
fbem-1068	21	43	specialized	specialized	ADJ
fbem-1068	21	44	field	field	NOUN
fbem-1068	21	45	,	,	PUNCT
fbem-1068	21	46	and	and	CCONJ
fbem-1068	21	47	any	any	DET
fbem-1068	21	48	process	process	NOUN
fbem-1068	21	49	of	of	ADP
fbem-1068	21	50	getting	get	VERB
fbem-1068	21	51	scientific	scientific	ADJ
fbem-1068	21	52	knowledge	knowledge	NOUN
fbem-1068	21	53	based	base	VERB
fbem-1068	21	54	on	on	ADP
fbem-1068	21	55	data	datum	NOUN
fbem-1068	21	56	analysis	analysis	NOUN
fbem-1068	21	57	is	be	AUX
fbem-1068	21	58	data	datum	NOUN
fbem-1068	21	59	science	science	NOUN
fbem-1068	21	60	.	.	PUNCT
fbem-1068	22	1	as	as	SCONJ
fbem-1068	22	2	you	you	PRON
fbem-1068	22	3	can	can	AUX
fbem-1068	22	4	see	see	VERB
fbem-1068	22	5	,	,	PUNCT
fbem-1068	22	6	data	datum	NOUN
fbem-1068	22	7	science	science	NOUN
fbem-1068	22	8	itself	itself	PRON
fbem-1068	22	9	is	be	AUX
fbem-1068	22	10	applicable	applicable	ADJ
fbem-1068	22	11	to	to	ADP
fbem-1068	22	12	different	different	ADJ
fbem-1068	22	13	problems	problem	NOUN
fbem-1068	22	14	.	.	PUNCT
fbem-1068	23	1	investment	investment	NOUN
fbem-1068	23	2	is	be	AUX
fbem-1068	23	3	a	a	DET
fbem-1068	23	4	process	process	NOUN
fbem-1068	23	5	of	of	ADP
fbem-1068	23	6	scientific	scientific	ADJ
fbem-1068	23	7	decision	decision	NOUN
fbem-1068	23	8	making	making	NOUN
fbem-1068	23	9	based	base	VERB
fbem-1068	23	10	on	on	ADP
fbem-1068	23	11	the	the	DET
fbem-1068	23	12	data	datum	NOUN
fbem-1068	23	13	of	of	ADP
fbem-1068	23	14	various	various	ADJ
fbem-1068	23	15	products	product	NOUN
fbem-1068	23	16	in	in	ADP
fbem-1068	23	17	the	the	DET
fbem-1068	23	18	financial	financial	ADJ
fbem-1068	23	19	market	market	NOUN
fbem-1068	23	20	,	,	PUNCT
fbem-1068	23	21	which	which	PRON
fbem-1068	23	22	naturally	naturally	ADV
fbem-1068	23	23	conforms	conform	VERB
fbem-1068	23	24	to	to	ADP
fbem-1068	23	25	the	the	DET
fbem-1068	23	26	process	process	NOUN
fbem-1068	23	27	of	of	ADP
fbem-1068	23	28	data	datum	NOUN
fbem-1068	23	29	science	science	NOUN
fbem-1068	23	30	.	.	PUNCT
fbem-1068	24	1	[	[	X
fbem-1068	24	2	4]there	4]there	NUM
fbem-1068	24	3	is	be	AUX
fbem-1068	24	4	a	a	DET
fbem-1068	24	5	large	large	ADJ
fbem-1068	24	6	amount	amount	NOUN
fbem-1068	24	7	of	of	ADP
fbem-1068	24	8	data	datum	NOUN
fbem-1068	24	9	in	in	ADP
fbem-1068	24	10	the	the	DET
fbem-1068	24	11	financial	financial	ADJ
fbem-1068	24	12	markets	market	NOUN
fbem-1068	24	13	and	and	CCONJ
fbem-1068	24	14	some	some	PRON
fbem-1068	24	15	of	of	ADP
fbem-1068	24	16	it	it	PRON
fbem-1068	24	17	is	be	AUX
fbem-1068	24	18	relatively	relatively	ADV
fbem-1068	24	19	noisy	noisy	ADJ
fbem-1068	24	20	,	,	PUNCT
fbem-1068	24	21	so	so	SCONJ
fbem-1068	24	22	data	datum	NOUN
fbem-1068	24	23	processing	processing	NOUN
fbem-1068	24	24	is	be	AUX
fbem-1068	24	25	an	an	DET
fbem-1068	24	26	important	important	ADJ
fbem-1068	24	27	element	element	NOUN
fbem-1068	24	28	.	.	PUNCT
fbem-1068	25	1	in	in	ADP
fbem-1068	25	2	investment	investment	NOUN
fbem-1068	25	3	practice	practice	NOUN
fbem-1068	25	4	,	,	PUNCT
fbem-1068	25	5	quantitative	quantitative	ADJ
fbem-1068	25	6	investment	investment	NOUN
fbem-1068	25	7	has	have	AUX
fbem-1068	25	8	become	become	VERB
fbem-1068	25	9	the	the	DET
fbem-1068	25	10	mainstream	mainstream	NOUN
fbem-1068	25	11	in	in	ADP
fbem-1068	25	12	the	the	DET
fbem-1068	25	13	field	field	NOUN
fbem-1068	25	14	of	of	ADP
fbem-1068	25	15	investment	investment	NOUN
fbem-1068	25	16	by	by	ADP
fbem-1068	25	17	collecting	collect	VERB
fbem-1068	25	18	and	and	CCONJ
fbem-1068	25	19	organizing	organize	VERB
fbem-1068	25	20	various	various	ADJ
fbem-1068	25	21	kinds	kind	NOUN
fbem-1068	25	22	of	of	ADP
fbem-1068	25	23	data	datum	NOUN
fbem-1068	25	24	with	with	ADP
fbem-1068	25	25	noise	noise	NOUN
fbem-1068	25	26	from	from	ADP
fbem-1068	25	27	different	different	ADJ
fbem-1068	25	28	channels	channel	NOUN
fbem-1068	25	29	,	,	PUNCT
fbem-1068	25	30	using	use	VERB
fbem-1068	25	31	algorithms	algorithm	NOUN
fbem-1068	25	32	to	to	PART
fbem-1068	25	33	clean	clean	VERB
fbem-1068	25	34	the	the	DET
fbem-1068	25	35	data	datum	NOUN
fbem-1068	25	36	,	,	PUNCT
fbem-1068	25	37	and	and	CCONJ
fbem-1068	25	38	using	use	VERB
fbem-1068	25	39	machine	machine	NOUN
fbem-1068	25	40	learning	learn	VERB
fbem-1068	25	41	algorithms	algorithm	NOUN
fbem-1068	25	42	to	to	PART
fbem-1068	25	43	quickly	quickly	ADV
fbem-1068	25	44	calculate	calculate	VERB
fbem-1068	25	45	market	market	NOUN
fbem-1068	25	46	laws	law	NOUN
fbem-1068	25	47	and	and	CCONJ
fbem-1068	25	48	find	find	VERB
fbem-1068	25	49	investment	investment	NOUN
fbem-1068	25	50	opportunities	opportunity	NOUN
fbem-1068	25	51	.	.	PUNCT
fbem-1068	26	1	there	there	PRON
fbem-1068	26	2	are	be	VERB
fbem-1068	26	3	many	many	ADJ
fbem-1068	26	4	theoretical	theoretical	ADJ
fbem-1068	26	5	models	model	NOUN
fbem-1068	26	6	in	in	ADP
fbem-1068	26	7	financial	financial	ADJ
fbem-1068	26	8	investment	investment	NOUN
fbem-1068	26	9	to	to	PART
fbem-1068	26	10	help	help	VERB
fbem-1068	26	11	predict	predict	VERB
fbem-1068	26	12	and	and	CCONJ
fbem-1068	26	13	optimize	optimize	VERB
fbem-1068	26	14	,	,	PUNCT
fbem-1068	26	15	yet	yet	CCONJ
fbem-1068	26	16	there	there	PRON
fbem-1068	26	17	are	be	VERB
fbem-1068	26	18	few	few	ADJ
fbem-1068	26	19	strategies	strategy	NOUN
fbem-1068	26	20	that	that	PRON
fbem-1068	26	21	are	be	AUX
fbem-1068	26	22	consistently	consistently	ADV
fbem-1068	26	23	and	and	CCONJ
fbem-1068	26	24	consistently	consistently	ADV
fbem-1068	26	25	profitable	profitable	ADJ
fbem-1068	26	26	in	in	ADP
fbem-1068	26	27	the	the	DET
fbem-1068	26	28	market	market	NOUN
fbem-1068	26	29	,	,	PUNCT
fbem-1068	26	30	mainly	mainly	ADV
fbem-1068	26	31	because	because	SCONJ
fbem-1068	26	32	the	the	DET
fbem-1068	26	33	market	market	NOUN
fbem-1068	26	34	has	have	VERB
fbem-1068	26	35	its	its	PRON
fbem-1068	26	36	own	own	ADJ
fbem-1068	26	37	intrinsic	intrinsic	ADJ
fbem-1068	26	38	laws	law	NOUN
fbem-1068	26	39	,	,	PUNCT
fbem-1068	26	40	which	which	PRON
fbem-1068	26	41	35	35	NUM
fbem-1068	26	42	are	be	AUX
fbem-1068	26	43	usually	usually	ADV
fbem-1068	26	44	understood	understand	VERB
fbem-1068	26	45	only	only	ADV
fbem-1068	26	46	by	by	ADP
fbem-1068	26	47	experience	experience	NOUN
fbem-1068	26	48	,	,	PUNCT
fbem-1068	26	49	and	and	CCONJ
fbem-1068	26	50	those	those	DET
fbem-1068	26	51	investors	investor	NOUN
fbem-1068	26	52	who	who	PRON
fbem-1068	26	53	have	have	VERB
fbem-1068	26	54	rich	rich	ADJ
fbem-1068	26	55	experience	experience	NOUN
fbem-1068	26	56	are	be	AUX
fbem-1068	26	57	not	not	PART
fbem-1068	26	58	data	datum	NOUN
fbem-1068	26	59	scientists	scientist	NOUN
fbem-1068	26	60	.	.	PUNCT
fbem-1068	27	1	at	at	ADP
fbem-1068	27	2	the	the	DET
fbem-1068	27	3	same	same	ADJ
fbem-1068	27	4	time	time	NOUN
fbem-1068	27	5	,	,	PUNCT
fbem-1068	27	6	investors	investor	NOUN
fbem-1068	27	7	who	who	PRON
fbem-1068	27	8	use	use	VERB
fbem-1068	27	9	modern	modern	ADJ
fbem-1068	27	10	techniques	technique	NOUN
fbem-1068	27	11	such	such	ADJ
fbem-1068	27	12	as	as	ADP
fbem-1068	27	13	quantitative	quantitative	ADJ
fbem-1068	27	14	often	often	ADV
fbem-1068	27	15	do	do	AUX
fbem-1068	27	16	not	not	PART
fbem-1068	27	17	have	have	VERB
fbem-1068	27	18	enough	enough	ADJ
fbem-1068	27	19	investment	investment	NOUN
fbem-1068	27	20	experience	experience	NOUN
fbem-1068	27	21	,	,	PUNCT
fbem-1068	27	22	lacking	lack	VERB
fbem-1068	27	23	investment	investment	NOUN
fbem-1068	27	24	experience	experience	NOUN
fbem-1068	27	25	on	on	ADP
fbem-1068	27	26	the	the	DET
fbem-1068	27	27	one	one	NUM
fbem-1068	27	28	hand	hand	NOUN
fbem-1068	27	29	and	and	CCONJ
fbem-1068	27	30	understanding	understanding	NOUN
fbem-1068	27	31	of	of	ADP
fbem-1068	27	32	data	datum	NOUN
fbem-1068	27	33	on	on	ADP
fbem-1068	27	34	the	the	DET
fbem-1068	27	35	other	other	ADJ
fbem-1068	27	36	.	.	PUNCT
fbem-1068	28	1	data	datum	NOUN
fbem-1068	28	2	science	science	NOUN
fbem-1068	28	3	emphasizes	emphasize	VERB
fbem-1068	28	4	data	datum	NOUN
fbem-1068	28	5	,	,	PUNCT
fbem-1068	28	6	algorithms	algorithm	NOUN
fbem-1068	28	7	,	,	PUNCT
fbem-1068	28	8	and	and	CCONJ
fbem-1068	28	9	specialized	specialized	ADJ
fbem-1068	28	10	domain	domain	NOUN
fbem-1068	28	11	knowledge	knowledge	NOUN
fbem-1068	28	12	,	,	PUNCT
fbem-1068	28	13	in	in	ADP
fbem-1068	28	14	the	the	DET
fbem-1068	28	15	sense	sense	NOUN
fbem-1068	28	16	that	that	SCONJ
fbem-1068	28	17	it	it	PRON
fbem-1068	28	18	achieves	achieve	VERB
fbem-1068	28	19	a	a	DET
fbem-1068	28	20	true	true	ADJ
fbem-1068	28	21	convergence	convergence	NOUN
fbem-1068	28	22	of	of	ADP
fbem-1068	28	23	modeling	modeling	NOUN
fbem-1068	28	24	,	,	PUNCT
fbem-1068	28	25	programming	programming	NOUN
fbem-1068	28	26	,	,	PUNCT
fbem-1068	28	27	and	and	CCONJ
fbem-1068	28	28	financial	financial	ADJ
fbem-1068	28	29	engineering.[5	engineering.[5	NOUN
fbem-1068	28	30	]	]	X
fbem-1068	28	31	3.2	3.2	NUM
fbem-1068	28	32	.	.	PUNCT
fbem-1068	29	1	data	data	NOUN
fbem-1068	29	2	-	-	PUNCT
fbem-1068	29	3	based	base	VERB
fbem-1068	29	4	robustness	robustness	NOUN
fbem-1068	29	5	and	and	CCONJ
fbem-1068	29	6	credibility	credibility	NOUN
fbem-1068	29	7	in	in	ADP
fbem-1068	29	8	machine	machine	NOUN
fbem-1068	29	9	learning	learning	NOUN
fbem-1068	29	10	models	model	NOUN
fbem-1068	29	11	for	for	ADP
fbem-1068	29	12	data	data	NOUN
fbem-1068	29	13	science	science	NOUN
fbem-1068	29	14	,	,	PUNCT
fbem-1068	29	15	robustness	robustness	NOUN
fbem-1068	29	16	tests	test	NOUN
fbem-1068	29	17	in	in	ADP
fbem-1068	29	18	financial	financial	ADJ
fbem-1068	29	19	measures	measure	NOUN
fbem-1068	29	20	are	be	AUX
fbem-1068	29	21	analogous	analogous	ADJ
fbem-1068	29	22	to	to	ADP
fbem-1068	29	23	model	model	NOUN
fbem-1068	29	24	tuning	tuning	NOUN
fbem-1068	29	25	problems	problem	NOUN
fbem-1068	29	26	such	such	ADJ
fbem-1068	29	27	as	as	ADP
fbem-1068	29	28	parameter	parameter	NOUN
fbem-1068	29	29	selection	selection	NOUN
fbem-1068	29	30	,	,	PUNCT
fbem-1068	29	31	and	and	CCONJ
fbem-1068	29	32	in	in	ADP
fbem-1068	29	33	-	-	PUNCT
fbem-1068	29	34	sample	sample	NOUN
fbem-1068	29	35	out	out	ADJ
fbem-1068	29	36	-	-	PUNCT
fbem-1068	29	37	ofsample	ofsample	ADJ
fbem-1068	29	38	tests	test	NOUN
fbem-1068	29	39	in	in	ADP
fbem-1068	29	40	financial	financial	ADJ
fbem-1068	29	41	measures	measure	NOUN
fbem-1068	29	42	are	be	AUX
fbem-1068	29	43	analogous	analogous	ADJ
fbem-1068	29	44	to	to	ADP
fbem-1068	29	45	resampling	resample	VERB
fbem-1068	29	46	problems.james	problems.jame	NOUN
fbem-1068	29	47	et	et	NOUN
fbem-1068	29	48	al	al	PROPN
fbem-1068	29	49	.	.	PROPN
fbem-1068	30	1	in	in	ADP
fbem-1068	30	2	the	the	DET
fbem-1068	30	3	classic	classic	ADJ
fbem-1068	30	4	introduction	introduction	NOUN
fbem-1068	30	5	to	to	ADP
fbem-1068	30	6	statistical	statistical	ADJ
fbem-1068	30	7	learning	learning	NOUN
fbem-1068	30	8	:	:	PUNCT
fbem-1068	30	9	r	r	NOUN
fbem-1068	30	10	-	-	PUNCT
fbem-1068	30	11	based	base	VERB
fbem-1068	30	12	applications	application	NOUN
fbem-1068	30	13	specifically	specifically	ADV
fbem-1068	30	14	address	address	VERB
fbem-1068	30	15	linear	linear	ADJ
fbem-1068	30	16	model	model	NOUN
fbem-1068	30	17	selection	selection	NOUN
fbem-1068	30	18	and	and	CCONJ
fbem-1068	30	19	regularization	regularization	NOUN
fbem-1068	30	20	,	,	PUNCT
fbem-1068	30	21	including	include	VERB
fbem-1068	30	22	compressed	compress	VERB
fbem-1068	30	23	estimates	estimate	NOUN
fbem-1068	30	24	such	such	ADJ
fbem-1068	30	25	as	as	ADP
fbem-1068	30	26	ridge	ridge	NOUN
fbem-1068	30	27	regression	regression	NOUN
fbem-1068	30	28	and	and	CCONJ
fbem-1068	30	29	lasso	lasso	NOUN
fbem-1068	30	30	,	,	PUNCT
fbem-1068	30	31	and	and	CCONJ
fbem-1068	30	32	use	use	VERB
fbem-1068	30	33	cross	cross	ADJ
fbem-1068	30	34	-	-	ADJ
fbem-1068	30	35	validation	validation	ADJ
fbem-1068	30	36	and	and	CCONJ
fbem-1068	30	37	self	self	NOUN
fbem-1068	30	38	-	-	PUNCT
fbem-1068	30	39	help	help	NOUN
fbem-1068	30	40	methods	method	NOUN
fbem-1068	30	41	to	to	PART
fbem-1068	30	42	introduce	introduce	VERB
fbem-1068	30	43	the	the	DET
fbem-1068	30	44	resampling	resampling	NOUN
fbem-1068	30	45	problem	problem	NOUN
fbem-1068	30	46	.	.	PUNCT
fbem-1068	31	1	this	this	PRON
fbem-1068	31	2	is	be	AUX
fbem-1068	31	3	exactly	exactly	ADV
fbem-1068	31	4	what	what	PRON
fbem-1068	31	5	robustness	robustness	NOUN
fbem-1068	31	6	requires	require	VERB
fbem-1068	31	7	and	and	CCONJ
fbem-1068	31	8	extends	extend	VERB
fbem-1068	31	9	it	it	PRON
fbem-1068	31	10	to	to	ADP
fbem-1068	31	11	more	more	ADJ
fbem-1068	31	12	general	general	ADJ
fbem-1068	31	13	levels	level	NOUN
fbem-1068	31	14	such	such	ADJ
fbem-1068	31	15	as	as	ADP
fbem-1068	31	16	overfitting	overfitte	VERB
fbem-1068	31	17	and	and	CCONJ
fbem-1068	31	18	under	under	ADV
fbem-1068	31	19	-	-	PUNCT
fbem-1068	31	20	fitting	fitting	NOUN
fbem-1068	31	21	.	.	PUNCT
fbem-1068	32	1	in	in	ADP
fbem-1068	32	2	addition	addition	NOUN
fbem-1068	32	3	,	,	PUNCT
fbem-1068	32	4	schutt	schutt	PROPN
fbem-1068	32	5	and	and	CCONJ
fbem-1068	32	6	o'neil	o'neil	PROPN
fbem-1068	32	7	also	also	ADV
fbem-1068	32	8	discuss	discuss	VERB
fbem-1068	32	9	causality	causality	NOUN
fbem-1068	32	10	in	in	ADP
fbem-1068	32	11	data	datum	NOUN
fbem-1068	32	12	science	science	NOUN
fbem-1068	32	13	.	.	PUNCT
fbem-1068	33	1	the	the	DET
fbem-1068	33	2	development	development	NOUN
fbem-1068	33	3	of	of	ADP
fbem-1068	33	4	data	datum	NOUN
fbem-1068	33	5	science	science	NOUN
fbem-1068	33	6	and	and	CCONJ
fbem-1068	33	7	the	the	DET
fbem-1068	33	8	requirements	requirement	NOUN
fbem-1068	33	9	of	of	ADP
fbem-1068	33	10	financial	financial	ADJ
fbem-1068	33	11	measurement	measurement	NOUN
fbem-1068	33	12	practice	practice	NOUN
fbem-1068	33	13	make	make	VERB
fbem-1068	33	14	data	datum	NOUN
fbem-1068	33	15	robustness	robustness	NOUN
fbem-1068	33	16	and	and	CCONJ
fbem-1068	33	17	trustworthiness	trustworthiness	NOUN
fbem-1068	33	18	even	even	ADV
fbem-1068	33	19	more	more	ADV
fbem-1068	33	20	prominent	prominent	ADJ
fbem-1068	33	21	technical	technical	ADJ
fbem-1068	33	22	features	feature	NOUN
fbem-1068	33	23	of	of	ADP
fbem-1068	33	24	data	datum	NOUN
fbem-1068	33	25	science.[6	science.[6	NOUN
fbem-1068	33	26	]	]	X
fbem-1068	33	27	4	4	NUM
fbem-1068	33	28	.	.	PUNCT
fbem-1068	34	1	the	the	DET
fbem-1068	34	2	development	development	NOUN
fbem-1068	34	3	trend	trend	NOUN
fbem-1068	34	4	of	of	ADP
fbem-1068	34	5	data	datum	NOUN
fbem-1068	34	6	science	science	NOUN
fbem-1068	34	7	in	in	ADP
fbem-1068	34	8	the	the	DET
fbem-1068	34	9	field	field	NOUN
fbem-1068	34	10	of	of	ADP
fbem-1068	34	11	financial	financial	ADJ
fbem-1068	34	12	engineering	engineering	NOUN
fbem-1068	34	13	the	the	DET
fbem-1068	34	14	history	history	NOUN
fbem-1068	34	15	of	of	ADP
fbem-1068	34	16	financial	financial	ADJ
fbem-1068	34	17	development	development	NOUN
fbem-1068	34	18	is	be	AUX
fbem-1068	34	19	accompanied	accompany	VERB
fbem-1068	34	20	by	by	ADP
fbem-1068	34	21	the	the	DET
fbem-1068	34	22	increasingly	increasingly	ADV
fbem-1068	34	23	close	close	ADJ
fbem-1068	34	24	integration	integration	NOUN
fbem-1068	34	25	of	of	ADP
fbem-1068	34	26	technology	technology	NOUN
fbem-1068	34	27	and	and	CCONJ
fbem-1068	34	28	finance	finance	NOUN
fbem-1068	34	29	.	.	PUNCT
fbem-1068	35	1	technology	technology	NOUN
fbem-1068	35	2	has	have	AUX
fbem-1068	35	3	reshaped	reshape	VERB
fbem-1068	35	4	the	the	DET
fbem-1068	35	5	business	business	NOUN
fbem-1068	35	6	model	model	NOUN
fbem-1068	35	7	of	of	ADP
fbem-1068	35	8	finance	finance	NOUN
fbem-1068	35	9	,	,	PUNCT
fbem-1068	35	10	and	and	CCONJ
fbem-1068	35	11	the	the	DET
fbem-1068	35	12	application	application	NOUN
fbem-1068	35	13	of	of	ADP
fbem-1068	35	14	data	datum	NOUN
fbem-1068	35	15	science	science	NOUN
fbem-1068	35	16	has	have	AUX
fbem-1068	35	17	given	give	VERB
fbem-1068	35	18	modern	modern	ADJ
fbem-1068	35	19	finance	finance	NOUN
fbem-1068	35	20	a	a	DET
fbem-1068	35	21	stronger	strong	ADJ
fbem-1068	35	22	vitality	vitality	NOUN
fbem-1068	35	23	.	.	PUNCT
fbem-1068	36	1	combining	combine	VERB
fbem-1068	36	2	the	the	DET
fbem-1068	36	3	history	history	NOUN
fbem-1068	36	4	and	and	CCONJ
fbem-1068	36	5	practice	practice	NOUN
fbem-1068	36	6	of	of	ADP
fbem-1068	36	7	financial	financial	ADJ
fbem-1068	36	8	development	development	NOUN
fbem-1068	36	9	,	,	PUNCT
fbem-1068	36	10	the	the	DET
fbem-1068	36	11	historical	historical	ADJ
fbem-1068	36	12	evolution	evolution	NOUN
fbem-1068	36	13	of	of	ADP
fbem-1068	36	14	the	the	DET
fbem-1068	36	15	integration	integration	NOUN
fbem-1068	36	16	of	of	ADP
fbem-1068	36	17	finance	finance	NOUN
fbem-1068	36	18	and	and	CCONJ
fbem-1068	36	19	science	science	NOUN
fbem-1068	36	20	and	and	CCONJ
fbem-1068	36	21	technology	technology	NOUN
fbem-1068	36	22	can	can	AUX
fbem-1068	36	23	be	be	AUX
fbem-1068	36	24	divided	divide	VERB
fbem-1068	36	25	into	into	ADP
fbem-1068	36	26	three	three	NUM
fbem-1068	36	27	stages.[7	stages.[7	NUM
fbem-1068	36	28	]	]	PUNCT
fbem-1068	36	29	table	table	NOUN
fbem-1068	37	1	1	1	NUM
fbem-1068	37	2	.	.	PUNCT
fbem-1068	37	3	historical	historical	ADJ
fbem-1068	37	4	evolution	evolution	NOUN
fbem-1068	37	5	of	of	ADP
fbem-1068	37	6	the	the	DET
fbem-1068	37	7	integration	integration	NOUN
fbem-1068	37	8	of	of	ADP
fbem-1068	37	9	finance	finance	NOUN
fbem-1068	37	10	and	and	CCONJ
fbem-1068	37	11	technology	technology	NOUN
fbem-1068	37	12	development	development	NOUN
fbem-1068	37	13	stages	stage	NOUN
fbem-1068	37	14	time	time	NOUN
fbem-1068	37	15	periods	period	VERB
fbem-1068	37	16	key	key	ADJ
fbem-1068	37	17	technologies	technology	NOUN
fbem-1068	37	18	key	key	ADJ
fbem-1068	37	19	features	feature	NOUN
fbem-1068	37	20	fintech	fintech	NOUN
fbem-1068	37	21	1	1	NUM
fbem-1068	37	22	.	.	NOUN
fbem-1068	37	23	0	0	NUM
fbem-1068	37	24	1866	1866	NUM
fbem-1068	37	25	-	-	SYM
fbem-1068	37	26	1967	1967	NUM
fbem-1068	37	27	telegraph	telegraph	NOUN
fbem-1068	37	28	,	,	PUNCT
fbem-1068	37	29	telephone	telephone	NOUN
fbem-1068	37	30	and	and	CCONJ
fbem-1068	37	31	other	other	ADJ
fbem-1068	37	32	analog	analog	NOUN
fbem-1068	37	33	information	information	NOUN
fbem-1068	37	34	technology	technology	NOUN
fbem-1068	37	35	a	a	DET
fbem-1068	37	36	global	global	ADJ
fbem-1068	37	37	telecommunication	telecommunication	NOUN
fbem-1068	37	38	system	system	NOUN
fbem-1068	37	39	built	build	VERB
fbem-1068	37	40	around	around	ADP
fbem-1068	37	41	transatlantic	transatlantic	ADJ
fbem-1068	37	42	cables	cable	NOUN
fbem-1068	37	43	fintech	fintech	NOUN
fbem-1068	37	44	2	2	NUM
fbem-1068	37	45	.	.	NOUN
fbem-1068	37	46	0	0	NUM
fbem-1068	37	47	1967	1967	NUM
fbem-1068	37	48	-	-	SYM
fbem-1068	37	49	2008	2008	NUM
fbem-1068	37	50	computer	computer	NOUN
fbem-1068	37	51	internet	internet	NOUN
fbem-1068	37	52	atm	atm	PROPN
fbem-1068	37	53	machines	machine	NOUN
fbem-1068	37	54	*	*	PUNCT
fbem-1068	37	55	financial	financial	ADJ
fbem-1068	37	56	electronicization	electronicization	NOUN
fbem-1068	37	57	and	and	CCONJ
fbem-1068	37	58	informatization	informatization	NOUN
fbem-1068	37	59	*	*	PUNCT
fbem-1068	37	60	technology	technology	NOUN
fbem-1068	37	61	and	and	CCONJ
fbem-1068	37	62	finance	finance	NOUN
fbem-1068	37	63	are	be	AUX
fbem-1068	37	64	not	not	PART
fbem-1068	37	65	fully	fully	ADV
fbem-1068	37	66	integrated	integrate	VERB
fbem-1068	37	67	,	,	PUNCT
fbem-1068	37	68	and	and	CCONJ
fbem-1068	37	69	most	most	ADJ
fbem-1068	37	70	technology	technology	NOUN
fbem-1068	37	71	companies	company	NOUN
fbem-1068	37	72	mainly	mainly	ADV
fbem-1068	37	73	provide	provide	VERB
fbem-1068	37	74	technology	technology	NOUN
fbem-1068	37	75	and	and	CCONJ
fbem-1068	37	76	data	datum	NOUN
fbem-1068	37	77	services	service	NOUN
fbem-1068	37	78	or	or	CCONJ
fbem-1068	37	79	solutions	solution	NOUN
fbem-1068	37	80	for	for	ADP
fbem-1068	37	81	financial	financial	ADJ
fbem-1068	37	82	institutions	institution	NOUN
fbem-1068	37	83	*	*	PUNCT
fbem-1068	37	84	banks	bank	NOUN
fbem-1068	37	85	'	'	PART
fbem-1068	37	86	deposit	deposit	NOUN
fbem-1068	37	87	and	and	CCONJ
fbem-1068	37	88	loan	loan	NOUN
fbem-1068	37	89	business	business	NOUN
fbem-1068	37	90	is	be	AUX
fbem-1068	37	91	the	the	DET
fbem-1068	37	92	main	main	ADJ
fbem-1068	37	93	business	business	NOUN
fbem-1068	37	94	*	*	PUNCT
fbem-1068	37	95	finance	finance	NOUN
fbem-1068	37	96	is	be	AUX
fbem-1068	37	97	gradually	gradually	ADV
fbem-1068	37	98	transformed	transform	VERB
fbem-1068	37	99	from	from	ADP
fbem-1068	37	100	an	an	DET
fbem-1068	37	101	analog	analog	NOUN
fbem-1068	37	102	industry	industry	NOUN
fbem-1068	37	103	to	to	ADP
fbem-1068	37	104	a	a	DET
fbem-1068	37	105	digital	digital	ADJ
fbem-1068	37	106	industry	industry	NOUN
fbem-1068	37	107	*	*	PUNCT
fbem-1068	37	108	the	the	DET
fbem-1068	37	109	main	main	ADJ
fbem-1068	37	110	business	business	NOUN
fbem-1068	37	111	is	be	AUX
fbem-1068	37	112	dominated	dominate	VERB
fbem-1068	37	113	by	by	ADP
fbem-1068	37	114	traditional	traditional	ADJ
fbem-1068	37	115	financial	financial	ADJ
fbem-1068	37	116	institutions	institution	NOUN
fbem-1068	37	117	*	*	PUNCT
fbem-1068	37	118	the	the	PRON
fbem-1068	37	119	mid	mid	ADJ
fbem-1068	37	120	to	to	ADP
fbem-1068	37	121	late	late	ADJ
fbem-1068	37	122	1990s	1990	NOUN
fbem-1068	37	123	entered	enter	VERB
fbem-1068	37	124	the	the	DET
fbem-1068	37	125	stage	stage	NOUN
fbem-1068	37	126	of	of	ADP
fbem-1068	37	127	internet	internet	NOUN
fbem-1068	37	128	finance	finance	NOUN
fbem-1068	37	129	fintech	fintech	NOUN
fbem-1068	37	130	3	3	NUM
fbem-1068	37	131	.	.	NOUN
fbem-1068	37	132	0	0	NUM
fbem-1068	37	133	2009	2009	NUM
fbem-1068	37	134	-	-	PUNCT
fbem-1068	37	135	present	present	ADJ
fbem-1068	37	136	big	big	ADJ
fbem-1068	37	137	data	datum	NOUN
fbem-1068	37	138	,	,	PUNCT
fbem-1068	37	139	cloud	cloud	NOUN
fbem-1068	37	140	computing	computing	NOUN
fbem-1068	37	141	,	,	PUNCT
fbem-1068	37	142	artificial	artificial	ADJ
fbem-1068	37	143	intelligence	intelligence	NOUN
fbem-1068	37	144	and	and	CCONJ
fbem-1068	37	145	blockchain	blockchain	PROPN
fbem-1068	37	146	,	,	PUNCT
fbem-1068	37	147	etc	etc	X
fbem-1068	37	148	.	.	X
fbem-1068	38	1	*	*	PUNCT
fbem-1068	38	2	comprehensive	comprehensive	ADJ
fbem-1068	38	3	changes	change	NOUN
fbem-1068	38	4	in	in	ADP
fbem-1068	38	5	the	the	DET
fbem-1068	38	6	financial	financial	ADJ
fbem-1068	38	7	industry	industry	NOUN
fbem-1068	38	8	from	from	ADP
fbem-1068	38	9	business	business	NOUN
fbem-1068	38	10	,	,	PUNCT
fbem-1068	38	11	business	business	NOUN
fbem-1068	38	12	and	and	CCONJ
fbem-1068	38	13	operation	operation	NOUN
fbem-1068	38	14	models	model	NOUN
fbem-1068	38	15	*	*	PUNCT
fbem-1068	38	16	fintech	fintech	NOUN
fbem-1068	38	17	startups	startup	NOUN
fbem-1068	38	18	are	be	AUX
fbem-1068	38	19	growing	grow	VERB
fbem-1068	38	20	rapidly	rapidly	ADV
fbem-1068	38	21	,	,	PUNCT
fbem-1068	38	22	traditional	traditional	ADJ
fbem-1068	38	23	financial	financial	ADJ
fbem-1068	38	24	institutions	institution	NOUN
fbem-1068	38	25	are	be	AUX
fbem-1068	38	26	losing	lose	VERB
fbem-1068	38	27	their	their	PRON
fbem-1068	38	28	dominance	dominance	NOUN
fbem-1068	38	29	,	,	PUNCT
fbem-1068	38	30	and	and	CCONJ
fbem-1068	38	31	the	the	DET
fbem-1068	38	32	two	two	NUM
fbem-1068	38	33	are	be	AUX
fbem-1068	38	34	moving	move	VERB
fbem-1068	38	35	from	from	ADP
fbem-1068	38	36	competition	competition	NOUN
fbem-1068	38	37	to	to	ADP
fbem-1068	38	38	cooperation	cooperation	NOUN
fbem-1068	38	39	,	,	PUNCT
fbem-1068	38	40	and	and	CCONJ
fbem-1068	38	41	the	the	DET
fbem-1068	38	42	boundaries	boundary	NOUN
fbem-1068	38	43	of	of	ADP
fbem-1068	38	44	financial	financial	ADJ
fbem-1068	38	45	services	service	NOUN
fbem-1068	38	46	are	be	AUX
fbem-1068	38	47	becoming	becoming	AUX
fbem-1068	38	48	increasingly	increasingly	ADV
fbem-1068	38	49	blurred	blur	VERB
fbem-1068	38	50	4.1	4.1	NUM
fbem-1068	38	51	.	.	PUNCT
fbem-1068	39	1	fintech1	fintech1	PROPN
fbem-1068	39	2	.	.	PUNCT
fbem-1068	39	3	0	0	NUM
fbem-1068	39	4	stage	stage	NOUN
fbem-1068	39	5	the	the	DET
fbem-1068	39	6	emergence	emergence	NOUN
fbem-1068	39	7	of	of	ADP
fbem-1068	39	8	fintech	fintech	NOUN
fbem-1068	39	9	can	can	AUX
fbem-1068	39	10	be	be	AUX
fbem-1068	39	11	traced	trace	VERB
fbem-1068	39	12	back	back	ADV
fbem-1068	39	13	to	to	ADP
fbem-1068	39	14	the	the	DET
fbem-1068	39	15	first	first	ADJ
fbem-1068	39	16	half	half	NOUN
fbem-1068	39	17	of	of	ADP
fbem-1068	39	18	the	the	DET
fbem-1068	39	19	19th	19th	ADJ
fbem-1068	39	20	century	century	NOUN
fbem-1068	39	21	,	,	PUNCT
fbem-1068	39	22	a	a	DET
fbem-1068	39	23	period	period	NOUN
fbem-1068	39	24	of	of	ADP
fbem-1068	39	25	critical	critical	ADJ
fbem-1068	39	26	change	change	NOUN
fbem-1068	39	27	in	in	ADP
fbem-1068	39	28	communications	communication	NOUN
fbem-1068	39	29	technology	technology	NOUN
fbem-1068	39	30	.	.	PUNCT
fbem-1068	40	1	morse	morse	PROPN
fbem-1068	40	2	invented	invent	VERB
fbem-1068	40	3	the	the	DET
fbem-1068	40	4	telegraph	telegraph	NOUN
fbem-1068	40	5	in	in	ADP
fbem-1068	40	6	1838	1838	NUM
fbem-1068	40	7	,	,	PUNCT
fbem-1068	40	8	and	and	CCONJ
fbem-1068	40	9	in	in	ADP
fbem-1068	40	10	the	the	DET
fbem-1068	40	11	following	follow	VERB
fbem-1068	40	12	decades	decade	NOUN
fbem-1068	40	13	,	,	PUNCT
fbem-1068	40	14	electricity	electricity	NOUN
fbem-1068	40	15	gained	gain	VERB
fbem-1068	40	16	rapid	rapid	ADJ
fbem-1068	40	17	development	development	NOUN
fbem-1068	40	18	and	and	CCONJ
fbem-1068	40	19	telegraph	telegraph	NOUN
fbem-1068	40	20	transmission	transmission	NOUN
fbem-1068	40	21	technology	technology	NOUN
fbem-1068	40	22	became	become	VERB
fbem-1068	40	23	increasingly	increasingly	ADV
fbem-1068	40	24	sophisticated	sophisticated	ADJ
fbem-1068	40	25	,	,	PUNCT
fbem-1068	40	26	with	with	ADP
fbem-1068	40	27	the	the	DET
fbem-1068	40	28	first	first	ADJ
fbem-1068	40	29	transatlantic	transatlantic	ADJ
fbem-1068	40	30	cable	cable	NOUN
fbem-1068	40	31	successfully	successfully	ADV
fbem-1068	40	32	built	build	VERB
fbem-1068	40	33	in	in	ADP
fbem-1068	40	34	1866	1866	NUM
fbem-1068	40	35	.	.	PUNCT
fbem-1068	41	1	1876	1876	NUM
fbem-1068	41	2	saw	see	VERB
fbem-1068	41	3	the	the	DET
fbem-1068	41	4	invention	invention	NOUN
fbem-1068	41	5	of	of	ADP
fbem-1068	41	6	the	the	DET
fbem-1068	41	7	telephone	telephone	NOUN
fbem-1068	41	8	by	by	ADP
fbem-1068	41	9	bell	bell	NOUN
fbem-1068	41	10	,	,	PUNCT
fbem-1068	41	11	and	and	CCONJ
fbem-1068	41	12	the	the	DET
fbem-1068	41	13	first	first	ADJ
fbem-1068	41	14	transatlantic	transatlantic	ADJ
fbem-1068	41	15	telephone	telephone	NOUN
fbem-1068	41	16	cable	cable	NOUN
fbem-1068	41	17	opened	open	VERB
fbem-1068	41	18	in	in	ADP
fbem-1068	41	19	1956	1956	NUM
fbem-1068	41	20	.	.	PUNCT
fbem-1068	42	1	these	these	DET
fbem-1068	42	2	technological	technological	ADJ
fbem-1068	42	3	innovations	innovation	NOUN
fbem-1068	42	4	laid	lay	VERB
fbem-1068	42	5	the	the	DET
fbem-1068	42	6	foundation	foundation	NOUN
fbem-1068	42	7	for	for	ADP
fbem-1068	42	8	financial	financial	ADJ
fbem-1068	42	9	globalization	globalization	NOUN
fbem-1068	42	10	.	.	PUNCT
fbem-1068	43	1	in	in	ADP
fbem-1068	43	2	today	today	NOUN
fbem-1068	43	3	's	's	PART
fbem-1068	43	4	internet	internet	NOUN
fbem-1068	43	5	of	of	ADP
fbem-1068	43	6	things	thing	NOUN
fbem-1068	43	7	era	era	NOUN
fbem-1068	43	8	,	,	PUNCT
fbem-1068	43	9	it	it	PRON
fbem-1068	43	10	is	be	AUX
fbem-1068	43	11	hard	hard	ADJ
fbem-1068	43	12	to	to	PART
fbem-1068	43	13	imagine	imagine	VERB
fbem-1068	43	14	a	a	DET
fbem-1068	43	15	situation	situation	NOUN
fbem-1068	43	16	where	where	SCONJ
fbem-1068	43	17	the	the	DET
fbem-1068	43	18	flow	flow	NOUN
fbem-1068	43	19	of	of	ADP
fbem-1068	43	20	information	information	NOUN
fbem-1068	43	21	can	can	AUX
fbem-1068	43	22	not	not	PART
fbem-1068	43	23	be	be	AUX
fbem-1068	43	24	transmitted	transmit	VERB
fbem-1068	43	25	smoothly.[8	smoothly.[8	NOUN
fbem-1068	43	26	]	]	X
fbem-1068	43	27	the	the	DET
fbem-1068	43	28	technological	technological	ADJ
fbem-1068	43	29	tools	tool	NOUN
fbem-1068	43	30	of	of	ADP
fbem-1068	43	31	this	this	DET
fbem-1068	43	32	phase	phase	NOUN
fbem-1068	43	33	are	be	AUX
fbem-1068	43	34	analog	analog	ADJ
fbem-1068	43	35	information	information	NOUN
fbem-1068	43	36	technology	technology	NOUN
fbem-1068	43	37	such	such	ADJ
fbem-1068	43	38	as	as	ADP
fbem-1068	43	39	telegraph	telegraph	NOUN
fbem-1068	43	40	and	and	CCONJ
fbem-1068	43	41	telephone	telephone	NOUN
fbem-1068	43	42	.	.	PUNCT
fbem-1068	44	1	the	the	DET
fbem-1068	44	2	institutions	institution	NOUN
fbem-1068	44	3	and	and	CCONJ
fbem-1068	44	4	customers	customer	NOUN
fbem-1068	44	5	involved	involve	VERB
fbem-1068	44	6	are	be	AUX
fbem-1068	44	7	basically	basically	ADV
fbem-1068	44	8	larger	large	ADJ
fbem-1068	44	9	financial	financial	ADJ
fbem-1068	44	10	institutions	institution	NOUN
fbem-1068	44	11	with	with	ADP
fbem-1068	44	12	a	a	DET
fbem-1068	44	13	large	large	ADJ
fbem-1068	44	14	business	business	NOUN
fbem-1068	44	15	radius	radius	NOUN
fbem-1068	44	16	,	,	PUNCT
fbem-1068	44	17	conducting	conduct	VERB
fbem-1068	44	18	cross	cross	ADJ
fbem-1068	44	19	-	-	ADJ
fbem-1068	44	20	regional	regional	ADJ
fbem-1068	44	21	operations	operation	NOUN
fbem-1068	44	22	and	and	CCONJ
fbem-1068	44	23	maintaining	maintain	VERB
fbem-1068	44	24	close	close	ADJ
fbem-1068	44	25	business	business	NOUN
fbem-1068	44	26	ties	tie	NOUN
fbem-1068	44	27	with	with	ADP
fbem-1068	44	28	institutions	institution	NOUN
fbem-1068	44	29	outside	outside	ADP
fbem-1068	44	30	the	the	DET
fbem-1068	44	31	region	region	NOUN
fbem-1068	44	32	.	.	PUNCT
fbem-1068	45	1	technological	technological	ADJ
fbem-1068	45	2	development	development	NOUN
fbem-1068	45	3	enables	enable	VERB
fbem-1068	45	4	both	both	CCONJ
fbem-1068	45	5	the	the	DET
fbem-1068	45	6	supply	supply	NOUN
fbem-1068	45	7	and	and	CCONJ
fbem-1068	45	8	demand	demand	NOUN
fbem-1068	45	9	of	of	ADP
fbem-1068	45	10	financial	financial	ADJ
fbem-1068	45	11	services	service	NOUN
fbem-1068	45	12	to	to	PART
fbem-1068	45	13	meet	meet	VERB
fbem-1068	45	14	their	their	PRON
fbem-1068	45	15	immediate	immediate	ADJ
fbem-1068	45	16	and	and	CCONJ
fbem-1068	45	17	cross	cross	ADJ
fbem-1068	45	18	-	-	ADJ
fbem-1068	45	19	regional	regional	ADJ
fbem-1068	45	20	requirements	requirement	NOUN
fbem-1068	45	21	to	to	ADP
fbem-1068	45	22	a	a	DET
fbem-1068	45	23	greater	great	ADJ
fbem-1068	45	24	extent	extent	NOUN
fbem-1068	45	25	.	.	PUNCT
fbem-1068	46	1	data	datum	NOUN
fbem-1068	46	2	resources	resource	NOUN
fbem-1068	46	3	at	at	ADP
fbem-1068	46	4	this	this	DET
fbem-1068	46	5	stage	stage	NOUN
fbem-1068	46	6	are	be	AUX
fbem-1068	46	7	initiated	initiate	VERB
fbem-1068	46	8	and	and	CCONJ
fbem-1068	46	9	provided	provide	VERB
fbem-1068	46	10	by	by	ADP
fbem-1068	46	11	customers	customer	NOUN
fbem-1068	46	12	and	and	CCONJ
fbem-1068	46	13	financial	financial	ADJ
fbem-1068	46	14	institutions	institution	NOUN
fbem-1068	46	15	,	,	PUNCT
fbem-1068	46	16	and	and	CCONJ
fbem-1068	46	17	data	datum	NOUN
fbem-1068	46	18	are	be	AUX
fbem-1068	46	19	not	not	PART
fbem-1068	46	20	characterized	characterize	VERB
fbem-1068	46	21	by	by	ADP
fbem-1068	46	22	monopoly	monopoly	NOUN
fbem-1068	46	23	or	or	CCONJ
fbem-1068	46	24	appropriation	appropriation	NOUN
fbem-1068	46	25	.	.	PUNCT
fbem-1068	47	1	at	at	ADP
fbem-1068	47	2	this	this	DET
fbem-1068	47	3	time	time	NOUN
fbem-1068	47	4	,	,	PUNCT
fbem-1068	47	5	data	datum	NOUN
fbem-1068	47	6	has	have	AUX
fbem-1068	47	7	not	not	PART
fbem-1068	47	8	yet	yet	ADV
fbem-1068	47	9	completed	complete	VERB
fbem-1068	47	10	the	the	DET
fbem-1068	47	11	logical	logical	ADJ
fbem-1068	47	12	transformation	transformation	NOUN
fbem-1068	47	13	from	from	ADP
fbem-1068	47	14	instrumentalization	instrumentalization	NOUN
fbem-1068	47	15	to	to	ADP
fbem-1068	47	16	resourceization	resourceization	NOUN
fbem-1068	47	17	,	,	PUNCT
fbem-1068	47	18	and	and	CCONJ
fbem-1068	47	19	is	be	AUX
fbem-1068	47	20	still	still	ADV
fbem-1068	47	21	only	only	ADV
fbem-1068	47	22	a	a	DET
fbem-1068	47	23	means	mean	NOUN
fbem-1068	47	24	of	of	ADP
fbem-1068	47	25	operation	operation	NOUN
fbem-1068	47	26	rather	rather	ADV
fbem-1068	47	27	than	than	ADP
fbem-1068	47	28	an	an	DET
fbem-1068	47	29	operational	operational	ADJ
fbem-1068	47	30	resource	resource	NOUN
fbem-1068	47	31	.	.	PUNCT
fbem-1068	48	1	4.2	4.2	NUM
fbem-1068	48	2	.	.	PUNCT
fbem-1068	48	3	fintech	fintech	NOUN
fbem-1068	48	4	2	2	NUM
fbem-1068	48	5	.	.	NOUN
fbem-1068	48	6	0	0	NUM
fbem-1068	48	7	stage	stage	NOUN
fbem-1068	48	8	compared	compare	VERB
fbem-1068	48	9	with	with	ADP
fbem-1068	48	10	the	the	DET
fbem-1068	48	11	previous	previous	ADJ
fbem-1068	48	12	stage	stage	NOUN
fbem-1068	48	13	,	,	PUNCT
fbem-1068	48	14	the	the	DET
fbem-1068	48	15	four	four	NUM
fbem-1068	48	16	major	major	ADJ
fbem-1068	48	17	players	player	NOUN
fbem-1068	48	18	in	in	ADP
fbem-1068	48	19	the	the	DET
fbem-1068	48	20	development	development	NOUN
fbem-1068	48	21	of	of	ADP
fbem-1068	48	22	fintech	fintech	NOUN
fbem-1068	48	23	have	have	AUX
fbem-1068	48	24	all	all	ADV
fbem-1068	48	25	changed	change	VERB
fbem-1068	48	26	.	.	PUNCT
fbem-1068	49	1	the	the	DET
fbem-1068	49	2	technological	technological	ADJ
fbem-1068	49	3	means	mean	NOUN
fbem-1068	49	4	have	have	AUX
fbem-1068	49	5	developed	develop	VERB
fbem-1068	49	6	into	into	ADP
fbem-1068	49	7	computer	computer	NOUN
fbem-1068	49	8	internet	internet	NOUN
fbem-1068	49	9	,	,	PUNCT
fbem-1068	49	10	atm	atm	PROPN
fbem-1068	49	11	machines	machine	NOUN
fbem-1068	49	12	,	,	PUNCT
fbem-1068	49	13	etc	etc	X
fbem-1068	49	14	.	.	X
fbem-1068	49	15	,	,	PUNCT
fbem-1068	49	16	and	and	CCONJ
fbem-1068	49	17	the	the	DET
fbem-1068	49	18	content	content	NOUN
fbem-1068	49	19	of	of	ADP
fbem-1068	49	20	financial	financial	ADJ
fbem-1068	49	21	services	service	NOUN
fbem-1068	49	22	has	have	AUX
fbem-1068	49	23	become	become	VERB
fbem-1068	49	24	richer	rich	ADJ
fbem-1068	49	25	and	and	CCONJ
fbem-1068	49	26	the	the	DET
fbem-1068	49	27	cost	cost	NOUN
fbem-1068	49	28	has	have	AUX
fbem-1068	49	29	been	be	AUX
fbem-1068	49	30	further	far	ADV
fbem-1068	49	31	reduced	reduce	VERB
fbem-1068	49	32	.	.	PUNCT
fbem-1068	50	1	the	the	DET
fbem-1068	50	2	scope	scope	NOUN
fbem-1068	50	3	of	of	ADP
fbem-1068	50	4	customers	customer	NOUN
fbem-1068	50	5	has	have	AUX
fbem-1068	50	6	expanded	expand	VERB
fbem-1068	50	7	,	,	PUNCT
fbem-1068	50	8	and	and	CCONJ
fbem-1068	50	9	small	small	ADJ
fbem-1068	50	10	and	and	CCONJ
fbem-1068	50	11	mediumsized	mediumsized	ADJ
fbem-1068	50	12	customers	customer	NOUN
fbem-1068	50	13	can	can	AUX
fbem-1068	50	14	also	also	ADV
fbem-1068	50	15	obtain	obtain	VERB
fbem-1068	50	16	diversified	diversified	ADJ
fbem-1068	50	17	financial	financial	ADJ
fbem-1068	50	18	services	service	NOUN
fbem-1068	50	19	,	,	PUNCT
fbem-1068	50	20	36	36	NUM
fbem-1068	50	21	and	and	CCONJ
fbem-1068	50	22	their	their	PRON
fbem-1068	50	23	financial	financial	ADJ
fbem-1068	50	24	needs	need	NOUN
fbem-1068	50	25	are	be	AUX
fbem-1068	50	26	not	not	PART
fbem-1068	50	27	limited	limit	VERB
fbem-1068	50	28	to	to	ADP
fbem-1068	50	29	important	important	ADJ
fbem-1068	50	30	commercial	commercial	ADJ
fbem-1068	50	31	or	or	CCONJ
fbem-1068	50	32	transactional	transactional	ADJ
fbem-1068	50	33	needs	need	NOUN
fbem-1068	50	34	,	,	PUNCT
fbem-1068	50	35	but	but	CCONJ
fbem-1068	50	36	can	can	AUX
fbem-1068	50	37	also	also	ADV
fbem-1068	50	38	be	be	AUX
fbem-1068	50	39	the	the	DET
fbem-1068	50	40	financial	financial	ADJ
fbem-1068	50	41	needs	need	NOUN
fbem-1068	50	42	of	of	ADP
fbem-1068	50	43	daily	daily	ADJ
fbem-1068	50	44	life	life	NOUN
fbem-1068	50	45	.	.	PUNCT
fbem-1068	51	1	the	the	DET
fbem-1068	51	2	meaning	meaning	NOUN
fbem-1068	51	3	of	of	ADP
fbem-1068	51	4	data	datum	NOUN
fbem-1068	51	5	itself	itself	PRON
fbem-1068	51	6	has	have	AUX
fbem-1068	51	7	also	also	ADV
fbem-1068	51	8	changed	change	VERB
fbem-1068	51	9	,	,	PUNCT
fbem-1068	51	10	and	and	CCONJ
fbem-1068	51	11	financial	financial	ADJ
fbem-1068	51	12	institutions	institution	NOUN
fbem-1068	51	13	have	have	AUX
fbem-1068	51	14	accumulated	accumulate	VERB
fbem-1068	51	15	rich	rich	ADJ
fbem-1068	51	16	internal	internal	ADJ
fbem-1068	51	17	data	datum	NOUN
fbem-1068	51	18	,	,	PUNCT
fbem-1068	51	19	mined	mine	VERB
fbem-1068	51	20	and	and	CCONJ
fbem-1068	51	21	formed	form	VERB
fbem-1068	51	22	structured	structured	ADJ
fbem-1068	51	23	data	datum	NOUN
fbem-1068	51	24	in	in	ADP
fbem-1068	51	25	the	the	DET
fbem-1068	51	26	face	face	NOUN
fbem-1068	51	27	of	of	ADP
fbem-1068	51	28	a	a	DET
fbem-1068	51	29	large	large	ADJ
fbem-1068	51	30	customer	customer	NOUN
fbem-1068	51	31	base	base	NOUN
fbem-1068	51	32	.	.	PUNCT
fbem-1068	52	1	at	at	ADP
fbem-1068	52	2	this	this	DET
fbem-1068	52	3	stage	stage	NOUN
fbem-1068	52	4	,	,	PUNCT
fbem-1068	52	5	it	it	PRON
fbem-1068	52	6	is	be	AUX
fbem-1068	52	7	mainly	mainly	ADV
fbem-1068	52	8	the	the	DET
fbem-1068	52	9	financial	financial	ADJ
fbem-1068	52	10	institutions	institution	NOUN
fbem-1068	52	11	that	that	PRON
fbem-1068	52	12	make	make	VERB
fbem-1068	52	13	technology	technology	NOUN
fbem-1068	52	14	investments	investment	NOUN
fbem-1068	52	15	and	and	CCONJ
fbem-1068	52	16	initiate	initiate	VERB
fbem-1068	52	17	technology	technology	NOUN
fbem-1068	52	18	applications	application	NOUN
fbem-1068	52	19	,	,	PUNCT
fbem-1068	52	20	and	and	CCONJ
fbem-1068	52	21	customers	customer	NOUN
fbem-1068	52	22	play	play	VERB
fbem-1068	52	23	more	more	ADJ
fbem-1068	52	24	of	of	ADP
fbem-1068	52	25	a	a	DET
fbem-1068	52	26	technology	technology	NOUN
fbem-1068	52	27	enjoyer	enjoyer	NOUN
fbem-1068	52	28	role	role	NOUN
fbem-1068	52	29	.	.	PUNCT
fbem-1068	53	1	in	in	ADP
fbem-1068	53	2	a	a	DET
fbem-1068	53	3	certain	certain	ADJ
fbem-1068	53	4	sense	sense	NOUN
fbem-1068	53	5	,	,	PUNCT
fbem-1068	53	6	customers	customer	NOUN
fbem-1068	53	7	also	also	ADV
fbem-1068	53	8	have	have	VERB
fbem-1068	53	9	input	input	NOUN
fbem-1068	53	10	into	into	ADP
fbem-1068	53	11	technology	technology	NOUN
fbem-1068	53	12	.	.	PUNCT
fbem-1068	54	1	for	for	ADP
fbem-1068	54	2	example	example	NOUN
fbem-1068	54	3	,	,	PUNCT
fbem-1068	54	4	customers	customer	NOUN
fbem-1068	54	5	may	may	AUX
fbem-1068	54	6	pay	pay	VERB
fbem-1068	54	7	a	a	DET
fbem-1068	54	8	small	small	ADJ
fbem-1068	54	9	fee	fee	NOUN
fbem-1068	54	10	for	for	ADP
fbem-1068	54	11	opening	open	VERB
fbem-1068	54	12	a	a	DET
fbem-1068	54	13	financial	financial	ADJ
fbem-1068	54	14	account	account	NOUN
fbem-1068	54	15	or	or	CCONJ
fbem-1068	54	16	credit	credit	NOUN
fbem-1068	54	17	card	card	NOUN
fbem-1068	54	18	or	or	CCONJ
fbem-1068	54	19	for	for	ADP
fbem-1068	54	20	information	information	NOUN
fbem-1068	54	21	alerts	alert	NOUN
fbem-1068	54	22	,	,	PUNCT
fbem-1068	54	23	but	but	CCONJ
fbem-1068	54	24	this	this	PRON
fbem-1068	54	25	is	be	AUX
fbem-1068	54	26	closer	close	ADJ
fbem-1068	54	27	to	to	ADP
fbem-1068	54	28	the	the	DET
fbem-1068	54	29	concept	concept	NOUN
fbem-1068	54	30	of	of	ADP
fbem-1068	54	31	a	a	DET
fbem-1068	54	32	passive	passive	ADJ
fbem-1068	54	33	input	input	NOUN
fbem-1068	54	34	and	and	CCONJ
fbem-1068	54	35	the	the	DET
fbem-1068	54	36	amount	amount	NOUN
fbem-1068	54	37	of	of	ADP
fbem-1068	54	38	input	input	NOUN
fbem-1068	54	39	is	be	AUX
fbem-1068	54	40	not	not	PART
fbem-1068	54	41	comparable	comparable	ADJ
fbem-1068	54	42	to	to	ADP
fbem-1068	54	43	the	the	DET
fbem-1068	54	44	huge	huge	ADJ
fbem-1068	54	45	input	input	NOUN
fbem-1068	54	46	from	from	ADP
fbem-1068	54	47	financial	financial	ADJ
fbem-1068	54	48	institutions	institution	NOUN
fbem-1068	54	49	.	.	PUNCT
fbem-1068	55	1	with	with	ADP
fbem-1068	55	2	technology	technology	NOUN
fbem-1068	55	3	,	,	PUNCT
fbem-1068	55	4	it	it	PRON
fbem-1068	55	5	is	be	AUX
fbem-1068	55	6	primarily	primarily	ADV
fbem-1068	55	7	up	up	ADP
fbem-1068	55	8	to	to	ADP
fbem-1068	55	9	the	the	DET
fbem-1068	55	10	financial	financial	ADJ
fbem-1068	55	11	institution	institution	NOUN
fbem-1068	55	12	to	to	PART
fbem-1068	55	13	use	use	VERB
fbem-1068	55	14	,	,	PUNCT
fbem-1068	55	15	invest	invest	VERB
fbem-1068	55	16	in	in	ADP
fbem-1068	55	17	and	and	CCONJ
fbem-1068	55	18	master	master	VERB
fbem-1068	55	19	it	it	PRON
fbem-1068	55	20	.	.	PUNCT
fbem-1068	56	1	at	at	ADP
fbem-1068	56	2	the	the	DET
fbem-1068	56	3	same	same	ADJ
fbem-1068	56	4	time	time	NOUN
fbem-1068	56	5	,	,	PUNCT
fbem-1068	56	6	financial	financial	ADJ
fbem-1068	56	7	institutions	institution	NOUN
fbem-1068	56	8	have	have	VERB
fbem-1068	56	9	some	some	DET
fbem-1068	56	10	sense	sense	NOUN
fbem-1068	56	11	of	of	ADP
fbem-1068	56	12	ownership	ownership	NOUN
fbem-1068	56	13	of	of	ADP
fbem-1068	56	14	the	the	DET
fbem-1068	56	15	data	datum	NOUN
fbem-1068	56	16	.	.	PUNCT
fbem-1068	57	1	financial	financial	ADJ
fbem-1068	57	2	institutions	institution	NOUN
fbem-1068	57	3	are	be	AUX
fbem-1068	57	4	willing	willing	ADJ
fbem-1068	57	5	to	to	PART
fbem-1068	57	6	do	do	VERB
fbem-1068	57	7	so	so	ADV
fbem-1068	57	8	because	because	SCONJ
fbem-1068	57	9	technology	technology	NOUN
fbem-1068	57	10	improves	improve	VERB
fbem-1068	57	11	both	both	CCONJ
fbem-1068	57	12	their	their	PRON
fbem-1068	57	13	own	own	ADJ
fbem-1068	57	14	internal	internal	ADJ
fbem-1068	57	15	efficiency	efficiency	NOUN
fbem-1068	57	16	and	and	CCONJ
fbem-1068	57	17	their	their	PRON
fbem-1068	57	18	ability	ability	NOUN
fbem-1068	57	19	to	to	PART
fbem-1068	57	20	serve	serve	VERB
fbem-1068	57	21	their	their	PRON
fbem-1068	57	22	customers	customer	NOUN
fbem-1068	57	23	,	,	PUNCT
fbem-1068	57	24	thus	thus	ADV
fbem-1068	57	25	enabling	enable	VERB
fbem-1068	57	26	them	they	PRON
fbem-1068	57	27	to	to	PART
fbem-1068	57	28	be	be	AUX
fbem-1068	57	29	more	more	ADV
fbem-1068	57	30	competitive	competitive	ADJ
fbem-1068	57	31	in	in	ADP
fbem-1068	57	32	the	the	DET
fbem-1068	57	33	industry	industry	NOUN
fbem-1068	57	34	.	.	PUNCT
fbem-1068	58	1	in	in	ADP
fbem-1068	58	2	addition	addition	NOUN
fbem-1068	58	3	to	to	ADP
fbem-1068	58	4	this	this	DET
fbem-1068	58	5	basic	basic	ADJ
fbem-1068	58	6	motivation	motivation	NOUN
fbem-1068	58	7	,	,	PUNCT
fbem-1068	58	8	financial	financial	ADJ
fbem-1068	58	9	institutions	institution	NOUN
fbem-1068	58	10	have	have	VERB
fbem-1068	58	11	the	the	DET
fbem-1068	58	12	special	special	ADJ
fbem-1068	58	13	benefit	benefit	NOUN
fbem-1068	58	14	of	of	ADP
fbem-1068	58	15	turning	turn	VERB
fbem-1068	58	16	data	datum	NOUN
fbem-1068	58	17	into	into	ADP
fbem-1068	58	18	an	an	DET
fbem-1068	58	19	institutional	institutional	ADJ
fbem-1068	58	20	monopoly	monopoly	NOUN
fbem-1068	58	21	of	of	ADP
fbem-1068	58	22	financial	financial	ADJ
fbem-1068	58	23	resources	resource	NOUN
fbem-1068	58	24	.	.	PUNCT
fbem-1068	59	1	in	in	ADP
fbem-1068	59	2	fintech	fintech	NOUN
fbem-1068	59	3	2.0	2.0	NUM
fbem-1068	59	4	,	,	PUNCT
fbem-1068	59	5	the	the	DET
fbem-1068	59	6	nature	nature	NOUN
fbem-1068	59	7	of	of	ADP
fbem-1068	59	8	data	datum	NOUN
fbem-1068	59	9	has	have	AUX
fbem-1068	59	10	changed	change	VERB
fbem-1068	59	11	,	,	PUNCT
fbem-1068	59	12	both	both	CCONJ
fbem-1068	59	13	as	as	ADP
fbem-1068	59	14	a	a	DET
fbem-1068	59	15	means	mean	NOUN
fbem-1068	59	16	and	and	CCONJ
fbem-1068	59	17	as	as	ADP
fbem-1068	59	18	a	a	DET
fbem-1068	59	19	resource	resource	NOUN
fbem-1068	59	20	,	,	PUNCT
fbem-1068	59	21	completing	complete	VERB
fbem-1068	59	22	the	the	DET
fbem-1068	59	23	logical	logical	ADJ
fbem-1068	59	24	transformation	transformation	NOUN
fbem-1068	59	25	from	from	ADP
fbem-1068	59	26	tool	tool	NOUN
fbem-1068	59	27	to	to	ADP
fbem-1068	59	28	resource	resource	NOUN
fbem-1068	59	29	,	,	PUNCT
fbem-1068	59	30	and	and	CCONJ
fbem-1068	59	31	in	in	ADP
fbem-1068	59	32	fintech	fintech	NOUN
fbem-1068	59	33	1.0	1.0	NUM
fbem-1068	59	34	and	and	CCONJ
fbem-1068	59	35	fintech	fintech	NOUN
fbem-1068	59	36	2.0	2.0	NUM
fbem-1068	59	37	before	before	ADP
fbem-1068	59	38	2008	2008	NUM
fbem-1068	59	39	,	,	PUNCT
fbem-1068	59	40	china	china	PROPN
fbem-1068	59	41	was	be	AUX
fbem-1068	59	42	still	still	ADV
fbem-1068	59	43	in	in	ADP
fbem-1068	59	44	the	the	DET
fbem-1068	59	45	period	period	NOUN
fbem-1068	59	46	of	of	ADP
fbem-1068	59	47	awakening	awakening	NOUN
fbem-1068	59	48	and	and	CCONJ
fbem-1068	59	49	initial	initial	ADJ
fbem-1068	59	50	development	development	NOUN
fbem-1068	59	51	of	of	ADP
fbem-1068	59	52	fintech	fintech	NOUN
fbem-1068	59	53	.	.	PUNCT
fbem-1068	60	1	an	an	DET
fbem-1068	60	2	important	important	ADJ
fbem-1068	60	3	milestone	milestone	NOUN
fbem-1068	60	4	in	in	ADP
fbem-1068	60	5	this	this	DET
fbem-1068	60	6	period	period	NOUN
fbem-1068	60	7	was	be	AUX
fbem-1068	60	8	the	the	DET
fbem-1068	60	9	launch	launch	NOUN
fbem-1068	60	10	of	of	ADP
fbem-1068	60	11	alibaba	alibaba	PROPN
fbem-1068	60	12	's	's	PART
fbem-1068	60	13	alipay	alipay	PROPN
fbem-1068	60	14	in	in	ADP
fbem-1068	60	15	2004	2004	NUM
fbem-1068	60	16	.	.	PUNCT
fbem-1068	61	1	alipay	alipay	PROPN
fbem-1068	61	2	pioneered	pioneer	VERB
fbem-1068	61	3	"	"	PUNCT
fbem-1068	61	4	secured	secured	ADJ
fbem-1068	61	5	transactions	transaction	NOUN
fbem-1068	61	6	"	"	PUNCT
fbem-1068	61	7	and	and	CCONJ
fbem-1068	61	8	successfully	successfully	ADV
fbem-1068	61	9	opened	open	VERB
fbem-1068	61	10	the	the	DET
fbem-1068	61	11	era	era	NOUN
fbem-1068	61	12	of	of	ADP
fbem-1068	61	13	mobile	mobile	ADJ
fbem-1068	61	14	payments	payment	NOUN
fbem-1068	61	15	in	in	ADP
fbem-1068	61	16	china	china	PROPN
fbem-1068	61	17	.	.	PUNCT
fbem-1068	62	1	4.3	4.3	NUM
fbem-1068	62	2	.	.	PUNCT
fbem-1068	62	3	fintech3	fintech3	ADJ
fbem-1068	62	4	.	.	NOUN
fbem-1068	62	5	0	0	NUM
fbem-1068	62	6	stage	stage	NOUN
fbem-1068	62	7	in	in	ADP
fbem-1068	62	8	this	this	DET
fbem-1068	62	9	stage	stage	NOUN
fbem-1068	62	10	,	,	PUNCT
fbem-1068	62	11	technology	technology	NOUN
fbem-1068	62	12	has	have	AUX
fbem-1068	62	13	made	make	VERB
fbem-1068	62	14	a	a	DET
fbem-1068	62	15	major	major	ADJ
fbem-1068	62	16	breakthrough	breakthrough	NOUN
fbem-1068	62	17	,	,	PUNCT
fbem-1068	62	18	and	and	CCONJ
fbem-1068	62	19	new	new	ADJ
fbem-1068	62	20	technologies	technology	NOUN
fbem-1068	62	21	such	such	ADJ
fbem-1068	62	22	as	as	ADP
fbem-1068	62	23	big	big	ADJ
fbem-1068	62	24	data	datum	NOUN
fbem-1068	62	25	,	,	PUNCT
fbem-1068	62	26	cloud	cloud	NOUN
fbem-1068	62	27	computing	computing	NOUN
fbem-1068	62	28	,	,	PUNCT
fbem-1068	62	29	artificial	artificial	ADJ
fbem-1068	62	30	intelligence	intelligence	NOUN
fbem-1068	62	31	and	and	CCONJ
fbem-1068	62	32	blockchain	blockchain	PROPN
fbem-1068	62	33	are	be	AUX
fbem-1068	62	34	developing	develop	VERB
fbem-1068	62	35	rapidly	rapidly	ADV
fbem-1068	62	36	.	.	PUNCT
fbem-1068	63	1	in	in	ADP
fbem-1068	63	2	addition	addition	NOUN
fbem-1068	63	3	to	to	ADP
fbem-1068	63	4	traditional	traditional	ADJ
fbem-1068	63	5	financial	financial	ADJ
fbem-1068	63	6	institutions	institution	NOUN
fbem-1068	63	7	,	,	PUNCT
fbem-1068	63	8	other	other	ADJ
fbem-1068	63	9	entities	entity	NOUN
fbem-1068	63	10	with	with	ADP
fbem-1068	63	11	large	large	ADJ
fbem-1068	63	12	amounts	amount	NOUN
fbem-1068	63	13	of	of	ADP
fbem-1068	63	14	data	datum	NOUN
fbem-1068	63	15	,	,	PUNCT
fbem-1068	63	16	such	such	ADJ
fbem-1068	63	17	as	as	ADP
fbem-1068	63	18	alibaba	alibaba	PROPN
fbem-1068	63	19	,	,	PUNCT
fbem-1068	63	20	tencent	tencent	NOUN
fbem-1068	63	21	and	and	CCONJ
fbem-1068	63	22	other	other	ADJ
fbem-1068	63	23	technology	technology	NOUN
fbem-1068	63	24	companies	company	NOUN
fbem-1068	63	25	,	,	PUNCT
fbem-1068	63	26	have	have	AUX
fbem-1068	63	27	also	also	ADV
fbem-1068	63	28	penetrated	penetrate	VERB
fbem-1068	63	29	into	into	ADP
fbem-1068	63	30	financial	financial	ADJ
fbem-1068	63	31	services	service	NOUN
fbem-1068	63	32	.	.	PUNCT
fbem-1068	64	1	these	these	DET
fbem-1068	64	2	companies	company	NOUN
fbem-1068	64	3	generate	generate	VERB
fbem-1068	64	4	a	a	DET
fbem-1068	64	5	lot	lot	NOUN
fbem-1068	64	6	of	of	ADP
fbem-1068	64	7	data	datum	NOUN
fbem-1068	64	8	in	in	ADP
fbem-1068	64	9	other	other	ADJ
fbem-1068	64	10	fields	field	NOUN
fbem-1068	64	11	and	and	CCONJ
fbem-1068	64	12	are	be	AUX
fbem-1068	64	13	particularly	particularly	ADV
fbem-1068	64	14	capable	capable	ADJ
fbem-1068	64	15	of	of	ADP
fbem-1068	64	16	processing	process	VERB
fbem-1068	64	17	it	it	PRON
fbem-1068	64	18	.	.	PUNCT
fbem-1068	65	1	at	at	ADP
fbem-1068	65	2	the	the	DET
fbem-1068	65	3	same	same	ADJ
fbem-1068	65	4	time	time	NOUN
fbem-1068	65	5	,	,	PUNCT
fbem-1068	65	6	the	the	DET
fbem-1068	65	7	behavior	behavior	NOUN
fbem-1068	65	8	of	of	ADP
fbem-1068	65	9	their	their	PRON
fbem-1068	65	10	own	own	ADJ
fbem-1068	65	11	customers	customer	NOUN
fbem-1068	65	12	needs	need	VERB
fbem-1068	65	13	to	to	PART
fbem-1068	65	14	be	be	AUX
fbem-1068	65	15	supported	support	VERB
fbem-1068	65	16	by	by	ADP
fbem-1068	65	17	financial	financial	ADJ
fbem-1068	65	18	services	service	NOUN
fbem-1068	65	19	.	.	PUNCT
fbem-1068	66	1	for	for	ADP
fbem-1068	66	2	example	example	NOUN
fbem-1068	66	3	,	,	PUNCT
fbem-1068	66	4	alibaba	alibaba	PROPN
fbem-1068	66	5	launched	launch	VERB
fbem-1068	66	6	alipay	alipay	PROPN
fbem-1068	66	7	for	for	ADP
fbem-1068	66	8	the	the	DET
fbem-1068	66	9	important	important	ADJ
fbem-1068	66	10	reason	reason	NOUN
fbem-1068	66	11	of	of	ADP
fbem-1068	66	12	meeting	meet	VERB
fbem-1068	66	13	the	the	DET
fbem-1068	66	14	financial	financial	ADJ
fbem-1068	66	15	needs	need	NOUN
fbem-1068	66	16	of	of	ADP
fbem-1068	66	17	its	its	PRON
fbem-1068	66	18	customers	customer	NOUN
fbem-1068	66	19	and	and	CCONJ
fbem-1068	66	20	facilitating	facilitate	VERB
fbem-1068	66	21	the	the	DET
fbem-1068	66	22	transaction	transaction	NOUN
fbem-1068	66	23	behavior	behavior	NOUN
fbem-1068	66	24	between	between	ADP
fbem-1068	66	25	merchants	merchant	NOUN
fbem-1068	66	26	and	and	CCONJ
fbem-1068	66	27	consumers	consumer	NOUN
fbem-1068	66	28	.	.	PUNCT
fbem-1068	67	1	in	in	ADP
fbem-1068	67	2	this	this	DET
fbem-1068	67	3	period	period	NOUN
fbem-1068	67	4	,	,	PUNCT
fbem-1068	67	5	the	the	DET
fbem-1068	67	6	meaning	meaning	NOUN
fbem-1068	67	7	of	of	ADP
fbem-1068	67	8	financial	financial	ADJ
fbem-1068	67	9	institution	institution	NOUN
fbem-1068	67	10	has	have	AUX
fbem-1068	67	11	expanded	expand	VERB
fbem-1068	67	12	,	,	PUNCT
fbem-1068	67	13	and	and	CCONJ
fbem-1068	67	14	whoever	whoever	PRON
fbem-1068	67	15	owns	own	VERB
fbem-1068	67	16	and	and	CCONJ
fbem-1068	67	17	can	can	AUX
fbem-1068	67	18	process	process	VERB
fbem-1068	67	19	data	datum	NOUN
fbem-1068	67	20	,	,	PUNCT
fbem-1068	67	21	while	while	SCONJ
fbem-1068	67	22	its	its	PRON
fbem-1068	67	23	customers	customer	NOUN
fbem-1068	67	24	have	have	VERB
fbem-1068	67	25	financial	financial	ADJ
fbem-1068	67	26	needs	need	NOUN
fbem-1068	67	27	,	,	PUNCT
fbem-1068	67	28	it	it	PRON
fbem-1068	67	29	has	have	VERB
fbem-1068	67	30	the	the	DET
fbem-1068	67	31	potential	potential	NOUN
fbem-1068	67	32	to	to	PART
fbem-1068	67	33	enter	enter	VERB
fbem-1068	67	34	the	the	DET
fbem-1068	67	35	field	field	NOUN
fbem-1068	67	36	as	as	ADP
fbem-1068	67	37	a	a	DET
fbem-1068	67	38	new	new	ADJ
fbem-1068	67	39	subject	subject	NOUN
fbem-1068	67	40	.	.	PUNCT
fbem-1068	68	1	in	in	ADP
fbem-1068	68	2	addition	addition	NOUN
fbem-1068	68	3	,	,	PUNCT
fbem-1068	68	4	the	the	DET
fbem-1068	68	5	needs	need	NOUN
fbem-1068	68	6	of	of	ADP
fbem-1068	68	7	customers	customer	NOUN
fbem-1068	68	8	and	and	CCONJ
fbem-1068	68	9	the	the	DET
fbem-1068	68	10	composition	composition	NOUN
fbem-1068	68	11	of	of	ADP
fbem-1068	68	12	their	their	PRON
fbem-1068	68	13	groups	group	NOUN
fbem-1068	68	14	have	have	AUX
fbem-1068	68	15	changed	change	VERB
fbem-1068	68	16	.	.	PUNCT
fbem-1068	69	1	previously	previously	ADV
fbem-1068	69	2	,	,	PUNCT
fbem-1068	69	3	they	they	PRON
fbem-1068	69	4	were	be	AUX
fbem-1068	69	5	financial	financial	ADJ
fbem-1068	69	6	services	service	NOUN
fbem-1068	69	7	customers	customer	NOUN
fbem-1068	69	8	,	,	PUNCT
fbem-1068	69	9	who	who	PRON
fbem-1068	69	10	might	might	AUX
fbem-1068	69	11	need	need	VERB
fbem-1068	69	12	to	to	PART
fbem-1068	69	13	make	make	VERB
fbem-1068	69	14	deposits	deposit	NOUN
fbem-1068	69	15	,	,	PUNCT
fbem-1068	69	16	withdrawals	withdrawal	NOUN
fbem-1068	69	17	,	,	PUNCT
fbem-1068	69	18	transfers	transfer	NOUN
fbem-1068	69	19	,	,	PUNCT
fbem-1068	69	20	loans	loan	NOUN
fbem-1068	69	21	,	,	PUNCT
fbem-1068	69	22	or	or	CCONJ
fbem-1068	69	23	to	to	PART
fbem-1068	69	24	buy	buy	VERB
fbem-1068	69	25	stocks	stock	NOUN
fbem-1068	69	26	and	and	CCONJ
fbem-1068	69	27	bonds	bond	NOUN
fbem-1068	69	28	,	,	PUNCT
fbem-1068	69	29	public	public	ADJ
fbem-1068	69	30	offerings	offering	NOUN
fbem-1068	69	31	,	,	PUNCT
fbem-1068	69	32	etc	etc	X
fbem-1068	69	33	.	.	X
fbem-1068	70	1	at	at	ADP
fbem-1068	70	2	the	the	DET
fbem-1068	70	3	same	same	ADJ
fbem-1068	70	4	time	time	NOUN
fbem-1068	70	5	,	,	PUNCT
fbem-1068	70	6	the	the	DET
fbem-1068	70	7	meaning	meaning	NOUN
fbem-1068	70	8	of	of	ADP
fbem-1068	70	9	data	datum	NOUN
fbem-1068	70	10	has	have	AUX
fbem-1068	70	11	also	also	ADV
fbem-1068	70	12	changed	change	VERB
fbem-1068	70	13	and	and	CCONJ
fbem-1068	70	14	become	become	VERB
fbem-1068	70	15	very	very	ADV
fbem-1068	70	16	complex	complex	ADJ
fbem-1068	70	17	.	.	PUNCT
fbem-1068	71	1	most	most	ADJ
fbem-1068	71	2	of	of	ADP
fbem-1068	71	3	the	the	DET
fbem-1068	71	4	data	data	NOUN
fbem-1068	71	5	information	information	NOUN
fbem-1068	71	6	before	before	ADV
fbem-1068	71	7	is	be	AUX
fbem-1068	71	8	related	relate	VERB
fbem-1068	71	9	to	to	ADP
fbem-1068	71	10	finance	finance	NOUN
fbem-1068	71	11	,	,	PUNCT
fbem-1068	71	12	but	but	CCONJ
fbem-1068	71	13	now	now	ADV
fbem-1068	71	14	other	other	ADJ
fbem-1068	71	15	behavioral	behavioral	ADJ
fbem-1068	71	16	information	information	NOUN
fbem-1068	71	17	of	of	ADP
fbem-1068	71	18	customers	customer	NOUN
fbem-1068	71	19	is	be	AUX
fbem-1068	71	20	also	also	ADV
fbem-1068	71	21	collected	collect	VERB
fbem-1068	71	22	and	and	CCONJ
fbem-1068	71	23	recorded	record	VERB
fbem-1068	71	24	,	,	PUNCT
fbem-1068	71	25	and	and	CCONJ
fbem-1068	71	26	the	the	DET
fbem-1068	71	27	structure	structure	NOUN
fbem-1068	71	28	of	of	ADP
fbem-1068	71	29	the	the	DET
fbem-1068	71	30	data	datum	NOUN
fbem-1068	71	31	itself	itself	PRON
fbem-1068	71	32	is	be	AUX
fbem-1068	71	33	more	more	ADV
fbem-1068	71	34	complex	complex	ADJ
fbem-1068	71	35	,	,	PUNCT
fbem-1068	71	36	and	and	CCONJ
fbem-1068	71	37	the	the	DET
fbem-1068	71	38	scenarios	scenario	NOUN
fbem-1068	71	39	of	of	ADP
fbem-1068	71	40	application	application	NOUN
fbem-1068	71	41	are	be	AUX
fbem-1068	71	42	more	more	ADV
fbem-1068	71	43	abundant	abundant	ADJ
fbem-1068	71	44	.	.	PUNCT
fbem-1068	72	1	the	the	DET
fbem-1068	72	2	relationship	relationship	NOUN
fbem-1068	72	3	between	between	ADP
fbem-1068	72	4	customers	customer	NOUN
fbem-1068	72	5	and	and	CCONJ
fbem-1068	72	6	data	datum	NOUN
fbem-1068	72	7	is	be	AUX
fbem-1068	72	8	also	also	ADV
fbem-1068	72	9	changing	change	VERB
fbem-1068	72	10	.	.	PUNCT
fbem-1068	73	1	from	from	ADP
fbem-1068	73	2	passive	passive	ADJ
fbem-1068	73	3	participation	participation	NOUN
fbem-1068	73	4	in	in	ADP
fbem-1068	73	5	providing	provide	VERB
fbem-1068	73	6	data	datum	NOUN
fbem-1068	73	7	,	,	PUNCT
fbem-1068	73	8	customers	customer	NOUN
fbem-1068	73	9	are	be	AUX
fbem-1068	73	10	beginning	begin	VERB
fbem-1068	73	11	to	to	PART
fbem-1068	73	12	enjoy	enjoy	VERB
fbem-1068	73	13	ownership	ownership	NOUN
fbem-1068	73	14	of	of	ADP
fbem-1068	73	15	the	the	DET
fbem-1068	73	16	value	value	NOUN
fbem-1068	73	17	created	create	VERB
fbem-1068	73	18	by	by	ADP
fbem-1068	73	19	their	their	PRON
fbem-1068	73	20	own	own	ADJ
fbem-1068	73	21	data	datum	NOUN
fbem-1068	73	22	under	under	ADP
fbem-1068	73	23	blockchain.[9	blockchain.[9	NOUN
fbem-1068	73	24	]	]	X
fbem-1068	73	25	fintech	fintech	NOUN
fbem-1068	73	26	3.0	3.0	NUM
fbem-1068	73	27	has	have	AUX
fbem-1068	73	28	grown	grow	VERB
fbem-1068	73	29	rapidly	rapidly	ADV
fbem-1068	73	30	in	in	ADP
fbem-1068	73	31	china	china	PROPN
fbem-1068	73	32	,	,	PUNCT
fbem-1068	73	33	with	with	ADP
fbem-1068	73	34	2008	2008	NUM
fbem-1068	73	35	as	as	ADP
fbem-1068	73	36	a	a	DET
fbem-1068	73	37	watershed	watershed	ADJ
fbem-1068	73	38	year	year	NOUN
fbem-1068	73	39	,	,	PUNCT
fbem-1068	73	40	when	when	SCONJ
fbem-1068	73	41	global	global	ADJ
fbem-1068	73	42	financial	financial	ADJ
fbem-1068	73	43	regulation	regulation	NOUN
fbem-1068	73	44	was	be	AUX
fbem-1068	73	45	generally	generally	ADV
fbem-1068	73	46	tightened	tighten	VERB
fbem-1068	73	47	after	after	ADP
fbem-1068	73	48	the	the	DET
fbem-1068	73	49	financial	financial	ADJ
fbem-1068	73	50	crisis	crisis	NOUN
fbem-1068	73	51	.	.	PUNCT
fbem-1068	74	1	as	as	SCONJ
fbem-1068	74	2	traditional	traditional	ADJ
fbem-1068	74	3	financial	financial	ADJ
fbem-1068	74	4	institutions	institution	NOUN
fbem-1068	74	5	struggled	struggle	VERB
fbem-1068	74	6	to	to	PART
fbem-1068	74	7	cope	cope	VERB
fbem-1068	74	8	with	with	ADP
fbem-1068	74	9	the	the	DET
fbem-1068	74	10	strict	strict	ADJ
fbem-1068	74	11	regulatory	regulatory	ADJ
fbem-1068	74	12	framework	framework	NOUN
fbem-1068	74	13	,	,	PUNCT
fbem-1068	74	14	their	their	PRON
fbem-1068	74	15	business	business	NOUN
fbem-1068	74	16	fronts	front	NOUN
fbem-1068	74	17	shrank	shrink	VERB
fbem-1068	74	18	rapidly	rapidly	ADV
fbem-1068	74	19	,	,	PUNCT
fbem-1068	74	20	leaving	leave	VERB
fbem-1068	74	21	room	room	NOUN
fbem-1068	74	22	for	for	ADP
fbem-1068	74	23	technology	technology	NOUN
fbem-1068	74	24	-	-	PUNCT
fbem-1068	74	25	based	base	VERB
fbem-1068	74	26	financial	financial	ADJ
fbem-1068	74	27	companies	company	NOUN
fbem-1068	74	28	with	with	ADP
fbem-1068	74	29	fewer	few	ADJ
fbem-1068	74	30	regulatory	regulatory	ADJ
fbem-1068	74	31	constraints	constraint	NOUN
fbem-1068	74	32	to	to	PART
fbem-1068	74	33	capture	capture	VERB
fbem-1068	74	34	the	the	DET
fbem-1068	74	35	market	market	NOUN
fbem-1068	74	36	.	.	PUNCT
fbem-1068	75	1	the	the	DET
fbem-1068	75	2	startups	startup	NOUN
fbem-1068	75	3	used	use	VERB
fbem-1068	75	4	big	big	ADJ
fbem-1068	75	5	data	datum	NOUN
fbem-1068	75	6	and	and	CCONJ
fbem-1068	75	7	blockchain	blockchain	PROPN
fbem-1068	75	8	technology	technology	PROPN
fbem-1068	75	9	to	to	PART
fbem-1068	75	10	provide	provide	VERB
fbem-1068	75	11	a	a	DET
fbem-1068	75	12	range	range	NOUN
fbem-1068	75	13	of	of	ADP
fbem-1068	75	14	financial	financial	ADJ
fbem-1068	75	15	services	service	NOUN
fbem-1068	75	16	such	such	ADJ
fbem-1068	75	17	as	as	ADP
fbem-1068	75	18	payments	payment	NOUN
fbem-1068	75	19	,	,	PUNCT
fbem-1068	75	20	credit	credit	NOUN
fbem-1068	75	21	,	,	PUNCT
fbem-1068	75	22	insurance	insurance	NOUN
fbem-1068	75	23	,	,	PUNCT
fbem-1068	75	24	and	and	CCONJ
fbem-1068	75	25	wealth	wealth	NOUN
fbem-1068	75	26	management	management	NOUN
fbem-1068	75	27	with	with	ADP
fbem-1068	75	28	better	well	ADJ
fbem-1068	75	29	customer	customer	NOUN
fbem-1068	75	30	experience	experience	NOUN
fbem-1068	75	31	and	and	CCONJ
fbem-1068	75	32	higher	high	ADJ
fbem-1068	75	33	efficiency	efficiency	NOUN
fbem-1068	75	34	,	,	PUNCT
fbem-1068	75	35	complementing	complement	VERB
fbem-1068	75	36	a	a	DET
fbem-1068	75	37	very	very	ADV
fbem-1068	75	38	large	large	ADJ
fbem-1068	75	39	potential	potential	ADJ
fbem-1068	75	40	demand	demand	NOUN
fbem-1068	75	41	that	that	SCONJ
fbem-1068	75	42	traditional	traditional	ADJ
fbem-1068	75	43	finance	finance	NOUN
fbem-1068	75	44	could	could	AUX
fbem-1068	75	45	not	not	PART
fbem-1068	75	46	cover	cover	VERB
fbem-1068	75	47	.	.	PUNCT
fbem-1068	76	1	in	in	ADP
fbem-1068	76	2	this	this	DET
fbem-1068	76	3	period	period	NOUN
fbem-1068	76	4	,	,	PUNCT
fbem-1068	76	5	the	the	DET
fbem-1068	76	6	concept	concept	NOUN
fbem-1068	76	7	of	of	ADP
fbem-1068	76	8	"	"	PUNCT
fbem-1068	76	9	internet	internet	NOUN
fbem-1068	76	10	scenario	scenario	NOUN
fbem-1068	76	11	-	-	PUNCT
fbem-1068	76	12	based	base	VERB
fbem-1068	76	13	"	"	PUNCT
fbem-1068	76	14	has	have	AUX
fbem-1068	76	15	broadened	broaden	VERB
fbem-1068	76	16	the	the	DET
fbem-1068	76	17	channels	channel	NOUN
fbem-1068	76	18	and	and	CCONJ
fbem-1068	76	19	coverage	coverage	NOUN
fbem-1068	76	20	of	of	ADP
fbem-1068	76	21	financial	financial	ADJ
fbem-1068	76	22	services	service	NOUN
fbem-1068	76	23	and	and	CCONJ
fbem-1068	76	24	stimulated	stimulate	VERB
fbem-1068	76	25	the	the	DET
fbem-1068	76	26	financial	financial	ADJ
fbem-1068	76	27	consumption	consumption	NOUN
fbem-1068	76	28	demand	demand	NOUN
fbem-1068	76	29	of	of	ADP
fbem-1068	76	30	a	a	DET
fbem-1068	76	31	large	large	ADJ
fbem-1068	76	32	number	number	NOUN
fbem-1068	76	33	of	of	ADP
fbem-1068	76	34	potential	potential	ADJ
fbem-1068	76	35	users	user	NOUN
fbem-1068	76	36	.	.	PUNCT
fbem-1068	77	1	the	the	DET
fbem-1068	77	2	internet	internet	NOUN
fbem-1068	77	3	financial	financial	ADJ
fbem-1068	77	4	model	model	NOUN
fbem-1068	77	5	has	have	AUX
fbem-1068	77	6	formed	form	VERB
fbem-1068	77	7	a	a	DET
fbem-1068	77	8	"	"	PUNCT
fbem-1068	77	9	full	full	ADJ
fbem-1068	77	10	collection	collection	NOUN
fbem-1068	77	11	of	of	ADP
fbem-1068	77	12	transaction	transaction	NOUN
fbem-1068	77	13	possibilities	possibility	NOUN
fbem-1068	77	14	"	"	PUNCT
fbem-1068	77	15	,	,	PUNCT
fbem-1068	77	16	breaking	break	VERB
fbem-1068	77	17	through	through	ADP
fbem-1068	77	18	the	the	DET
fbem-1068	77	19	traditional	traditional	ADJ
fbem-1068	77	20	boundaries	boundary	NOUN
fbem-1068	77	21	of	of	ADP
fbem-1068	77	22	commercial	commercial	ADJ
fbem-1068	77	23	viability	viability	NOUN
fbem-1068	77	24	.	.	PUNCT
fbem-1068	78	1	the	the	DET
fbem-1068	78	2	development	development	NOUN
fbem-1068	78	3	of	of	ADP
fbem-1068	78	4	mobile	mobile	ADJ
fbem-1068	78	5	internet	internet	NOUN
fbem-1068	78	6	technology	technology	NOUN
fbem-1068	78	7	has	have	AUX
fbem-1068	78	8	enabled	enable	VERB
fbem-1068	78	9	the	the	DET
fbem-1068	78	10	internet	internet	NOUN
fbem-1068	78	11	,	,	PUNCT
fbem-1068	78	12	terminal	terminal	ADJ
fbem-1068	78	13	devices	device	NOUN
fbem-1068	78	14	and	and	CCONJ
fbem-1068	78	15	financial	financial	ADJ
fbem-1068	78	16	institutions	institution	NOUN
fbem-1068	78	17	to	to	PART
fbem-1068	78	18	be	be	AUX
fbem-1068	78	19	effectively	effectively	ADV
fbem-1068	78	20	united	unite	VERB
fbem-1068	78	21	,	,	PUNCT
fbem-1068	78	22	forming	form	VERB
fbem-1068	78	23	a	a	DET
fbem-1068	78	24	new	new	ADJ
fbem-1068	78	25	payment	payment	NOUN
fbem-1068	78	26	system	system	NOUN
fbem-1068	78	27	that	that	PRON
fbem-1068	78	28	has	have	AUX
fbem-1068	78	29	changed	change	VERB
fbem-1068	78	30	the	the	DET
fbem-1068	78	31	consumption	consumption	NOUN
fbem-1068	78	32	habits	habit	NOUN
fbem-1068	78	33	of	of	ADP
fbem-1068	78	34	the	the	DET
fbem-1068	78	35	whole	whole	ADJ
fbem-1068	78	36	society	society	NOUN
fbem-1068	78	37	.	.	PUNCT
fbem-1068	79	1	at	at	ADP
fbem-1068	79	2	the	the	DET
fbem-1068	79	3	same	same	ADJ
fbem-1068	79	4	time	time	NOUN
fbem-1068	79	5	,	,	PUNCT
fbem-1068	79	6	online	online	ADJ
fbem-1068	79	7	lending	lending	NOUN
fbem-1068	79	8	,	,	PUNCT
fbem-1068	79	9	online	online	ADJ
fbem-1068	79	10	financial	financial	ADJ
fbem-1068	79	11	insurance	insurance	NOUN
fbem-1068	79	12	and	and	CCONJ
fbem-1068	79	13	other	other	ADJ
fbem-1068	79	14	businesses	business	NOUN
fbem-1068	79	15	are	be	AUX
fbem-1068	79	16	also	also	ADV
fbem-1068	79	17	developing	develop	VERB
fbem-1068	79	18	rapidly	rapidly	ADV
fbem-1068	79	19	.	.	PUNCT
fbem-1068	80	1	the	the	DET
fbem-1068	80	2	fintech	fintech	NOUN
fbem-1068	80	3	3.0	3.0	NUM
fbem-1068	80	4	stage	stage	NOUN
fbem-1068	80	5	can	can	AUX
fbem-1068	80	6	be	be	AUX
fbem-1068	80	7	further	far	ADV
fbem-1068	80	8	divided	divide	VERB
fbem-1068	80	9	,	,	PUNCT
fbem-1068	80	10	and	and	CCONJ
fbem-1068	80	11	in	in	ADP
fbem-1068	80	12	2013	2013	NUM
fbem-1068	80	13	,	,	PUNCT
fbem-1068	80	14	alipay	alipay	PROPN
fbem-1068	80	15	successfully	successfully	ADV
fbem-1068	80	16	created	create	VERB
fbem-1068	80	17	the	the	DET
fbem-1068	80	18	online	online	ADJ
fbem-1068	80	19	money	money	NOUN
fbem-1068	80	20	market	market	NOUN
fbem-1068	80	21	fund	fund	NOUN
fbem-1068	80	22	balancebao	balancebao	VERB
fbem-1068	80	23	,	,	PUNCT
fbem-1068	80	24	which	which	PRON
fbem-1068	80	25	was	be	AUX
fbem-1068	80	26	an	an	DET
fbem-1068	80	27	important	important	ADJ
fbem-1068	80	28	landmark	landmark	NOUN
fbem-1068	80	29	in	in	ADP
fbem-1068	80	30	china	china	PROPN
fbem-1068	80	31	's	's	PART
fbem-1068	80	32	fintech	fintech	NOUN
fbem-1068	80	33	development	development	NOUN
fbem-1068	80	34	.	.	PUNCT
fbem-1068	81	1	since	since	SCONJ
fbem-1068	81	2	then	then	ADV
fbem-1068	81	3	,	,	PUNCT
fbem-1068	81	4	fintech	fintech	NOUN
fbem-1068	81	5	has	have	AUX
fbem-1068	81	6	reached	reach	VERB
fbem-1068	81	7	new	new	ADJ
fbem-1068	81	8	heights	height	NOUN
fbem-1068	81	9	,	,	PUNCT
fbem-1068	81	10	with	with	ADP
fbem-1068	81	11	the	the	DET
fbem-1068	81	12	injection	injection	NOUN
fbem-1068	81	13	of	of	ADP
fbem-1068	81	14	new	new	ADJ
fbem-1068	81	15	technologies	technology	NOUN
fbem-1068	81	16	such	such	ADJ
fbem-1068	81	17	as	as	ADP
fbem-1068	81	18	big	big	ADJ
fbem-1068	81	19	data	datum	NOUN
fbem-1068	81	20	,	,	PUNCT
fbem-1068	81	21	cloud	cloud	NOUN
fbem-1068	81	22	computing	computing	NOUN
fbem-1068	81	23	,	,	PUNCT
fbem-1068	81	24	internet	internet	NOUN
fbem-1068	81	25	of	of	ADP
fbem-1068	81	26	things	thing	NOUN
fbem-1068	81	27	,	,	PUNCT
fbem-1068	81	28	blockchain	blockchain	NOUN
fbem-1068	81	29	,	,	PUNCT
fbem-1068	81	30	financial	financial	ADJ
fbem-1068	81	31	cloud	cloud	NOUN
fbem-1068	81	32	and	and	CCONJ
fbem-1068	81	33	artificial	artificial	ADJ
fbem-1068	81	34	intelligence	intelligence	NOUN
fbem-1068	81	35	,	,	PUNCT
fbem-1068	81	36	and	and	CCONJ
fbem-1068	81	37	the	the	DET
fbem-1068	81	38	introduction	introduction	NOUN
fbem-1068	81	39	of	of	ADP
fbem-1068	81	40	face	face	NOUN
fbem-1068	81	41	payment	payment	NOUN
fbem-1068	81	42	,	,	PUNCT
fbem-1068	81	43	smart	smart	ADJ
fbem-1068	81	44	investment	investment	NOUN
fbem-1068	81	45	advisor	advisor	NOUN
fbem-1068	81	46	and	and	CCONJ
fbem-1068	81	47	smart	smart	ADJ
fbem-1068	81	48	customer	customer	NOUN
fbem-1068	81	49	service	service	NOUN
fbem-1068	81	50	into	into	ADP
fbem-1068	81	51	the	the	DET
fbem-1068	81	52	financial	financial	ADJ
fbem-1068	81	53	industry	industry	NOUN
fbem-1068	81	54	,	,	PUNCT
fbem-1068	81	55	renovating	renovate	VERB
fbem-1068	81	56	the	the	DET
fbem-1068	81	57	financial	financial	ADJ
fbem-1068	81	58	industry	industry	NOUN
fbem-1068	81	59	at	at	ADP
fbem-1068	81	60	a	a	DET
fbem-1068	81	61	rapid	rapid	ADJ
fbem-1068	81	62	pace	pace	NOUN
fbem-1068	81	63	.	.	PUNCT
fbem-1068	82	1	5	5	X
fbem-1068	82	2	.	.	X
fbem-1068	82	3	conclusion	conclusion	NOUN
fbem-1068	82	4	with	with	ADP
fbem-1068	82	5	the	the	DET
fbem-1068	82	6	continuous	continuous	ADJ
fbem-1068	82	7	combination	combination	NOUN
fbem-1068	82	8	of	of	ADP
fbem-1068	82	9	financial	financial	ADJ
fbem-1068	82	10	engineering	engineering	NOUN
fbem-1068	82	11	and	and	CCONJ
fbem-1068	82	12	data	datum	NOUN
fbem-1068	82	13	science	science	NOUN
fbem-1068	82	14	,	,	PUNCT
fbem-1068	82	15	a	a	DET
fbem-1068	82	16	new	new	ADJ
fbem-1068	82	17	industry	industry	NOUN
fbem-1068	82	18	has	have	AUX
fbem-1068	82	19	emerged	emerge	VERB
fbem-1068	82	20	in	in	ADP
fbem-1068	82	21	the	the	DET
fbem-1068	82	22	investment	investment	NOUN
fbem-1068	82	23	field	field	NOUN
fbem-1068	82	24	:	:	PUNCT
fbem-1068	82	25	smart	smart	ADJ
fbem-1068	82	26	investment	investment	NOUN
fbem-1068	82	27	advisors	advisor	NOUN
fbem-1068	82	28	.	.	PUNCT
fbem-1068	83	1	intelligent	intelligent	ADJ
fbem-1068	83	2	investment	investment	NOUN
fbem-1068	83	3	advisor	advisor	NOUN
fbem-1068	83	4	(	(	PUNCT
fbem-1068	83	5	roboadvisor	roboadvisor	NOUN
fbem-1068	83	6	)	)	PUNCT
fbem-1068	83	7	,	,	PUNCT
fbem-1068	83	8	which	which	PRON
fbem-1068	83	9	takes	take	VERB
fbem-1068	83	10	advantage	advantage	NOUN
fbem-1068	83	11	of	of	ADP
fbem-1068	83	12	artificial	artificial	ADJ
fbem-1068	83	13	intelligence	intelligence	NOUN
fbem-1068	83	14	,	,	PUNCT
fbem-1068	83	15	uses	use	VERB
fbem-1068	83	16	multiple	multiple	ADJ
fbem-1068	83	17	algorithms	algorithm	NOUN
fbem-1068	83	18	and	and	CCONJ
fbem-1068	83	19	models	model	NOUN
fbem-1068	83	20	to	to	PART
fbem-1068	83	21	give	give	VERB
fbem-1068	83	22	investors	investor	NOUN
fbem-1068	83	23	comprehensive	comprehensive	ADJ
fbem-1068	83	24	asset	asset	NOUN
fbem-1068	83	25	allocation	allocation	NOUN
fbem-1068	83	26	services	service	NOUN
fbem-1068	83	27	by	by	ADP
fbem-1068	83	28	combining	combine	VERB
fbem-1068	83	29	their	their	PRON
fbem-1068	83	30	risk	risk	NOUN
fbem-1068	83	31	levels	level	NOUN
fbem-1068	83	32	,	,	PUNCT
fbem-1068	83	33	expected	expect	VERB
fbem-1068	83	34	returns	return	NOUN
fbem-1068	83	35	,	,	PUNCT
fbem-1068	83	36	and	and	CCONJ
fbem-1068	83	37	market	market	NOUN
fbem-1068	83	38	dynamics	dynamic	NOUN
fbem-1068	83	39	.	.	PUNCT
fbem-1068	84	1	the	the	DET
fbem-1068	84	2	development	development	NOUN
fbem-1068	84	3	of	of	ADP
fbem-1068	84	4	smart	smart	ADJ
fbem-1068	84	5	investment	investment	NOUN
fbem-1068	84	6	advisor	advisor	NOUN
fbem-1068	84	7	relies	rely	VERB
fbem-1068	84	8	on	on	ADP
fbem-1068	84	9	financial	financial	ADJ
fbem-1068	84	10	big	big	ADJ
fbem-1068	84	11	data	datum	NOUN
fbem-1068	84	12	and	and	CCONJ
fbem-1068	84	13	algorithmic	algorithmic	ADJ
fbem-1068	84	14	models	model	NOUN
fbem-1068	84	15	,	,	PUNCT
fbem-1068	84	16	therefore	therefore	ADV
fbem-1068	84	17	,	,	PUNCT
fbem-1068	84	18	it	it	PRON
fbem-1068	84	19	is	be	AUX
fbem-1068	84	20	the	the	DET
fbem-1068	84	21	most	most	ADV
fbem-1068	84	22	comprehensive	comprehensive	ADJ
fbem-1068	84	23	application	application	NOUN
fbem-1068	84	24	of	of	ADP
fbem-1068	84	25	data	datum	NOUN
fbem-1068	84	26	science	science	NOUN
fbem-1068	84	27	in	in	ADP
fbem-1068	84	28	the	the	DET
fbem-1068	84	29	field	field	NOUN
fbem-1068	84	30	of	of	ADP
fbem-1068	84	31	financial	financial	ADJ
fbem-1068	84	32	investment	investment	NOUN
fbem-1068	84	33	,	,	PUNCT
fbem-1068	84	34	including	include	VERB
fbem-1068	84	35	financial	financial	ADJ
fbem-1068	84	36	data	datum	NOUN
fbem-1068	84	37	collection	collection	NOUN
fbem-1068	84	38	and	and	CCONJ
fbem-1068	84	39	processing	processing	NOUN
fbem-1068	84	40	,	,	PUNCT
fbem-1068	84	41	financial	financial	ADJ
fbem-1068	84	42	calculation	calculation	NOUN
fbem-1068	84	43	and	and	CCONJ
fbem-1068	84	44	modeling	modeling	NOUN
fbem-1068	84	45	,	,	PUNCT
fbem-1068	84	46	risk	risk	NOUN
fbem-1068	84	47	management	management	NOUN
fbem-1068	84	48	,	,	PUNCT
fbem-1068	84	49	and	and	CCONJ
fbem-1068	84	50	visual	visual	ADJ
fbem-1068	84	51	communication	communication	NOUN
fbem-1068	84	52	with	with	ADP
fbem-1068	84	53	clients	client	NOUN
fbem-1068	84	54	.	.	PUNCT
fbem-1068	85	1	references	reference	NOUN
fbem-1068	85	2	[	[	X
fbem-1068	85	3	1	1	X
fbem-1068	85	4	]	]	PUNCT
fbem-1068	85	5	huang	huang	PROPN
fbem-1068	85	6	jiping.quantitative	jiping.quantitative	PROPN
fbem-1068	85	7	investment	investment	NOUN
fbem-1068	85	8	in	in	ADP
fbem-1068	85	9	the	the	DET
fbem-1068	85	10	era	era	NOUN
fbem-1068	85	11	of	of	ADP
fbem-1068	85	12	big	big	ADJ
fbem-1068	85	13	data	datum	NOUN
fbem-1068	85	14	:	:	PUNCT
fbem-1068	85	15	functions	function	NOUN
fbem-1068	85	16	,	,	PUNCT
fbem-1068	85	17	challenges	challenge	NOUN
fbem-1068	85	18	and	and	CCONJ
fbem-1068	85	19	solution	solution	NOUN
fbem-1068	85	20	paths	path	NOUN
fbem-1068	86	1	[	[	X
fbem-1068	86	2	j	j	X
fbem-1068	86	3	]	]	X
fbem-1068	86	4	.	.	PUNCT
fbem-1068	87	1	financial	financial	ADJ
fbem-1068	87	2	financial	financial	ADJ
fbem-1068	87	3	journal	journal	NOUN
fbem-1068	87	4	,	,	PUNCT
fbem-1068	87	5	2015(05):10	2015(05):10	NUM
fbem-1068	87	6	-	-	SYM
fbem-1068	87	7	15	15	NUM
fbem-1068	87	8	.	.	PUNCT
fbem-1068	88	1	[	[	X
fbem-1068	88	2	2	2	X
fbem-1068	88	3	]	]	X
fbem-1068	88	4	huang	huang	PROPN
fbem-1068	88	5	yujie	yujie	PROPN
fbem-1068	88	6	.	.	PUNCT
fbem-1068	89	1	data	datum	NOUN
fbem-1068	89	2	science	science	NOUN
fbem-1068	89	3	in	in	ADP
fbem-1068	89	4	the	the	DET
fbem-1068	89	5	new	new	ADJ
fbem-1068	89	6	economy	economy	NOUN
fbem-1068	89	7	:	:	PUNCT
fbem-1068	89	8	talent	talent	NOUN
fbem-1068	89	9	competition	competition	NOUN
fbem-1068	89	10	in	in	ADP
fbem-1068	89	11	the	the	DET
fbem-1068	89	12	fourth	fourth	ADJ
fbem-1068	89	13	industrial	industrial	ADJ
fbem-1068	89	14	revolution	revolution	NOUN
fbem-1068	90	1	[	[	X
fbem-1068	90	2	j	j	X
fbem-1068	90	3	]	]	X
fbem-1068	90	4	.	.	PUNCT
fbem-1068	91	1	internet	internet	NOUN
fbem-1068	91	2	economics,2019(12):24	economics,2019(12):24	PROPN
fbem-1068	91	3	-	-	PUNCT
fbem-1068	91	4	33	33	NUM
fbem-1068	91	5	.	.	PUNCT
fbem-1068	92	1	[	[	X
fbem-1068	92	2	3	3	X
fbem-1068	92	3	]	]	X
fbem-1068	92	4	sun	sun	PROPN
fbem-1068	92	5	jiadai	jiadai	PROPN
fbem-1068	92	6	,	,	PUNCT
fbem-1068	92	7	bao	bao	PROPN
fbem-1068	92	8	xingni	xingni	PROPN
fbem-1068	92	9	,	,	PUNCT
fbem-1068	92	10	zou	zou	PROPN
fbem-1068	92	11	hanle	hanle	ADV
fbem-1068	92	12	.	.	PUNCT
fbem-1068	93	1	innovation	innovation	NOUN
fbem-1068	93	2	of	of	ADP
fbem-1068	93	3	internet	internet	NOUN
fbem-1068	93	4	finance	finance	NOUN
fbem-1068	93	5	in	in	ADP
fbem-1068	93	6	the	the	DET
fbem-1068	93	7	era	era	NOUN
fbem-1068	93	8	of	of	ADP
fbem-1068	93	9	big	big	ADJ
fbem-1068	93	10	data	datum	NOUN
fbem-1068	93	11	new	new	ADJ
fbem-1068	93	12	development	development	NOUN
fbem-1068	93	13	and	and	CCONJ
fbem-1068	93	14	risk	risk	NOUN
fbem-1068	93	15	prevention	prevention	NOUN
fbem-1068	93	16	and	and	CCONJ
fbem-1068	93	17	control[j	control[j	NOUN
fbem-1068	93	18	]	]	PUNCT
fbem-1068	93	19	.	.	PUNCT
fbem-1068	94	1	china	china	PROPN
fbem-1068	94	2	collective	collective	ADJ
fbem-1068	94	3	economy	economy	NOUN
fbem-1068	94	4	,	,	PUNCT
fbem-1068	94	5	2021(5	2021(5	NUM
fbem-1068	94	6	):	):	PUNCT
fbem-1068	94	7	91	91	NUM
fbem-1068	94	8	-	-	SYM
fbem-1068	94	9	92	92	NUM
fbem-1068	94	10	.	.	PUNCT
fbem-1068	95	1	[	[	X
fbem-1068	95	2	4	4	X
fbem-1068	95	3	]	]	X
fbem-1068	95	4	yi	yi	NOUN
fbem-1068	95	5	xianrong	xianrong	PROPN
fbem-1068	95	6	．	．	VERB
fbem-1068	95	7	the	the	DET
fbem-1068	95	8	connotation	connotation	NOUN
fbem-1068	95	9	,	,	PUNCT
fbem-1068	95	10	essence	essence	NOUN
fbem-1068	95	11	and	and	CCONJ
fbem-1068	95	12	future	future	ADJ
fbem-1068	95	13	development	development	NOUN
fbem-1068	95	14	of	of	ADP
fbem-1068	95	15	financial	financial	ADJ
fbem-1068	95	16	technology	technology	NOUN
fbem-1068	95	17	--	--	PUNCT
fbem-1068	95	18	a	a	DET
fbem-1068	95	19	general	general	ADJ
fbem-1068	95	20	analysis	analysis	NOUN
fbem-1068	95	21	based	base	VERB
fbem-1068	95	22	on	on	ADP
fbem-1068	95	23	financial	financial	ADJ
fbem-1068	95	24	theory[j	theory[j	NOUN
fbem-1068	95	25	]	]	PUNCT
fbem-1068	95	26	.	.	PUNCT
fbem-1068	96	1	journal	journal	PROPN
fbem-1068	96	2	of	of	ADP
fbem-1068	96	3	jianghai	jianghai	PROPN
fbem-1068	96	4	,	,	PUNCT
fbem-1068	96	5	2017	2017	NUM
fbem-1068	96	6	,	,	PUNCT
fbem-1068	96	7	(	(	PUNCT
fbem-1068	96	8	02	02	NUM
fbem-1068	96	9	)	)	PUNCT
fbem-1068	96	10	:	:	PUNCT
fbem-1068	96	11	13	13	NUM
fbem-1068	96	12	20	20	NUM
fbem-1068	96	13	37	37	NUM
fbem-1068	96	14	[	[	X
fbem-1068	96	15	5	5	NUM
fbem-1068	96	16	]	]	X
fbem-1068	96	17	[	[	X
fbem-1068	96	18	1]ruilin	1]ruilin	NUM
fbem-1068	96	19	wang	wang	PROPN
fbem-1068	96	20	,	,	PUNCT
fbem-1068	96	21	somayajulu	somayajulu	VERB
fbem-1068	96	22	gowri	gowri	PROPN
fbem-1068	96	23	sripada	sripada	PROPN
fbem-1068	96	24	,	,	PUNCT
fbem-1068	96	25	nigel	nigel	PROPN
fbem-1068	96	26	a	a	DET
fbem-1068	96	27	beacham	beacham	PROPN
fbem-1068	96	28	.	.	PUNCT
fbem-1068	97	1	auto	auto	NOUN
fbem-1068	97	2	-	-	PUNCT
fbem-1068	97	3	generating	generate	VERB
fbem-1068	97	4	textual	textual	ADJ
fbem-1068	97	5	data	datum	NOUN
fbem-1068	97	6	stories	story	NOUN
fbem-1068	97	7	using	use	VERB
fbem-1068	97	8	data	datum	NOUN
fbem-1068	97	9	science	science	NOUN
fbem-1068	97	10	pipelines[c]//.conference	pipelines[c]//.conference	NOUN
fbem-1068	97	11	proceedings	proceeding	NOUN
fbem-1068	97	12	of	of	ADP
fbem-1068	97	13	2021	2021	NUM
fbem-1068	97	14	4th	4th	ADJ
fbem-1068	97	15	international	international	ADJ
fbem-1068	97	16	conference	conference	NOUN
fbem-1068	97	17	on	on	ADP
fbem-1068	97	18	algorithms	algorithm	NOUN
fbem-1068	97	19	,	,	PUNCT
fbem-1068	97	20	computing	computing	NOUN
fbem-1068	97	21	and	and	CCONJ
fbem-1068	97	22	artificial	artificial	ADJ
fbem-1068	97	23	intelligence	intelligence	NOUN
fbem-1068	97	24	(	(	PUNCT
fbem-1068	97	25	acai	acai	PROPN
fbem-1068	97	26	2021).,2021:621628.doi:10.26914	2021).,2021:621628.doi:10.26914	PROPN
fbem-1068	97	27	/	/	SYM
fbem-1068	97	28	c.cnkihy.2021.055297	c.cnkihy.2021.055297	NOUN
fbem-1068	97	29	.	.	PUNCT
fbem-1068	98	1	[	[	X
fbem-1068	98	2	6	6	NUM
fbem-1068	98	3	]	]	PUNCT
fbem-1068	98	4	ridgway	ridgway	PROPN
fbem-1068	98	5	jim	jim	PROPN
fbem-1068	98	6	.	.	PROPN
fbem-1068	98	7	covid	covid	PROPN
fbem-1068	98	8	and	and	CCONJ
fbem-1068	98	9	data	datum	NOUN
fbem-1068	98	10	science	science	NOUN
fbem-1068	98	11	:	:	PUNCT
fbem-1068	98	12	understanding	understand	VERB
fbem-1068	98	13	r0	r0	NOUN
fbem-1068	98	14	could	could	AUX
fbem-1068	98	15	change	change	VERB
fbem-1068	98	16	your	your	PRON
fbem-1068	98	17	life[j	life[j	NOUN
fbem-1068	98	18	]	]	PUNCT
fbem-1068	98	19	.	.	PUNCT
fbem-1068	99	1	teaching	teach	VERB
fbem-1068	99	2	statistics,2021,43	statistics,2021,43	VERB
fbem-1068	99	3	.	.	PUNCT
fbem-1068	100	1	[	[	X
fbem-1068	100	2	7	7	X
fbem-1068	100	3	]	]	PUNCT
fbem-1068	100	4	hoepner	hoepner	PROPN
fbem-1068	100	5	andreas	andreas	PROPN
fbem-1068	100	6	g.	g.	PROPN
fbem-1068	100	7	f.	f.	PROPN
fbem-1068	100	8	,mcmillan	,mcmillan	PUNCT
fbem-1068	100	9	david	david	PROPN
fbem-1068	100	10	,	,	PUNCT
fbem-1068	100	11	vivian	vivian	PROPN
fbem-1068	100	12	andrew	andrew	PROPN
fbem-1068	100	13	,	,	PUNCT
fbem-1068	100	14	wese	wese	PROPN
fbem-1068	100	15	simen	simen	PROPN
fbem-1068	100	16	chardin	chardin	PROPN
fbem-1068	100	17	.	.	PROPN
fbem-1068	100	18	significance	significance	NOUN
fbem-1068	100	19	,	,	PUNCT
fbem-1068	100	20	relevance	relevance	NOUN
fbem-1068	100	21	and	and	CCONJ
fbem-1068	100	22	explainability	explainability	NOUN
fbem-1068	100	23	in	in	ADP
fbem-1068	100	24	the	the	DET
fbem-1068	100	25	machine	machine	NOUN
fbem-1068	100	26	learning	learn	VERB
fbem-1068	100	27	age	age	NOUN
fbem-1068	100	28	:	:	PUNCT
fbem-1068	100	29	an	an	DET
fbem-1068	100	30	econometrics	econometrics	NOUN
fbem-1068	100	31	and	and	CCONJ
fbem-1068	100	32	financial	financial	ADJ
fbem-1068	100	33	data	datum	NOUN
fbem-1068	100	34	science	science	NOUN
fbem-1068	100	35	perspective[j	perspective[j	PROPN
fbem-1068	100	36	]	]	PUNCT
fbem-1068	100	37	.	.	PUNCT
fbem-1068	101	1	the	the	DET
fbem-1068	101	2	european	european	PROPN
fbem-1068	101	3	journal	journal	PROPN
fbem-1068	101	4	of	of	ADP
fbem-1068	101	5	finance	finance	NOUN
fbem-1068	101	6	,	,	PUNCT
fbem-1068	101	7	2021	2021	NUM
fbem-1068	101	8	,	,	PUNCT
fbem-1068	101	9	27(1	27(1	NUM
fbem-1068	101	10	-	-	SYM
fbem-1068	101	11	2	2	NUM
fbem-1068	101	12	)	)	PUNCT
fbem-1068	101	13	.	.	PUNCT
fbem-1068	102	1	[	[	X
fbem-1068	102	2	8	8	NUM
fbem-1068	102	3	]	]	X
fbem-1068	102	4	jun	jun	PROPN
fbem-1068	102	5	chen	chen	PROPN
fbem-1068	102	6	,	,	PUNCT
fbem-1068	102	7	edward	edward	PROPN
fbem-1068	102	8	p	p	PROPN
fbem-1068	102	9	k	k	PROPN
fbem-1068	102	10	tsang	tsang	PROPN
fbem-1068	102	11	.	.	PUNCT
fbem-1068	103	1	detecting	detect	VERB
fbem-1068	103	2	regime	regime	NOUN
fbem-1068	103	3	change	change	NOUN
fbem-1068	103	4	in	in	ADP
fbem-1068	103	5	computational	computational	ADJ
fbem-1068	103	6	finance	finance	NOUN
fbem-1068	103	7	:	:	PUNCT
fbem-1068	103	8	data	data	NOUN
fbem-1068	103	9	science	science	NOUN
fbem-1068	103	10	,	,	PUNCT
fbem-1068	103	11	machine	machine	NOUN
fbem-1068	103	12	learning	learning	NOUN
fbem-1068	103	13	and	and	CCONJ
fbem-1068	103	14	algorithmic	algorithmic	ADJ
fbem-1068	103	15	trading[m].crc	trading[m].crc	ADP
fbem-1068	103	16	press:2020	press:2020	NOUN
fbem-1068	103	17	-	-	PUNCT
fbem-1068	103	18	11	11	NUM
fbem-1068	103	19	-	-	SYM
fbem-1068	103	20	02	02	NUM
fbem-1068	103	21	.	.	PUNCT
fbem-1068	104	1	[	[	X
fbem-1068	104	2	9	9	NUM
fbem-1068	104	3	]	]	PUNCT
fbem-1068	104	4	chris	chris	PROPN
fbem-1068	104	5	brooks	brooks	PROPN
fbem-1068	104	6	,	,	PUNCT
fbem-1068	104	7	andreas	andreas	PROPN
fbem-1068	104	8	g.	g.	PROPN
fbem-1068	104	9	f.	f.	PROPN
fbem-1068	104	10	hoepner	hoepner	PROPN
fbem-1068	104	11	,	,	PUNCT
fbem-1068	104	12	david	david	PROPN
fbem-1068	104	13	mcmillan	mcmillan	PROPN
fbem-1068	104	14	,	,	PUNCT
fbem-1068	104	15	andrew	andrew	PROPN
fbem-1068	104	16	vivian	vivian	PROPN
fbem-1068	104	17	,	,	PUNCT
fbem-1068	104	18	chardin	chardin	VERB
fbem-1068	104	19	wese	wese	ADJ
fbem-1068	104	20	simen	siman	NOUN
fbem-1068	104	21	.	.	PUNCT
fbem-1068	105	1	financial	financial	ADJ
fbem-1068	105	2	data	datum	NOUN
fbem-1068	105	3	science	science	NOUN
fbem-1068	105	4	:	:	PUNCT
fbem-1068	105	5	the	the	DET
fbem-1068	105	6	birth	birth	NOUN
fbem-1068	105	7	of	of	ADP
fbem-1068	105	8	a	a	DET
fbem-1068	105	9	new	new	ADJ
fbem-1068	105	10	financial	financial	ADJ
fbem-1068	105	11	research	research	NOUN
fbem-1068	105	12	paradigm	paradigm	NOUN
fbem-1068	105	13	complementing	complement	VERB
fbem-1068	105	14	econometrics?[j	econometrics?[j	NOUN
fbem-1068	105	15	]	]	X
fbem-1068	105	16	.	.	PUNCT
fbem-1068	106	1	the	the	DET
fbem-1068	106	2	european	european	PROPN
fbem-1068	106	3	journal	journal	PROPN
fbem-1068	106	4	of	of	ADP
fbem-1068	106	5	finance	finance	NOUN
fbem-1068	106	6	,	,	PUNCT
fbem-1068	106	7	2019	2019	NUM
fbem-1068	106	8	,	,	PUNCT
fbem-1068	106	9	25	25	NUM
fbem-1068	106	10	(	(	PUNCT
fbem-1068	106	11	17	17	NUM
fbem-1068	106	12	)	)	PUNCT
fbem-1068	106	13	.	.	PUNCT