id	sid	tid	token	lemma	pos
fbem-12627	1	1	frontiers	frontier	NOUN
fbem-12627	1	2	in	in	ADP
fbem-12627	1	3	business	business	NOUN
fbem-12627	1	4	,	,	PUNCT
fbem-12627	1	5	economics	economic	NOUN
fbem-12627	1	6	and	and	CCONJ
fbem-12627	1	7	management	management	NOUN
fbem-12627	1	8	issn	issn	PROPN
fbem-12627	1	9	:	:	PUNCT
fbem-12627	1	10	2766	2766	NUM
fbem-12627	1	11	-	-	PUNCT
fbem-12627	1	12	824x	824x	NUM
fbem-12627	1	13	|	|	ADJ
fbem-12627	1	14	vol	vol	NOUN
fbem-12627	1	15	.	.	PUNCT
fbem-12627	2	1	11	11	NUM
fbem-12627	2	2	,	,	PUNCT
fbem-12627	2	3	no	no	INTJ
fbem-12627	2	4	.	.	NOUN
fbem-12627	2	5	2	2	NUM
fbem-12627	2	6	,	,	PUNCT
fbem-12627	2	7	2023	2023	NUM
fbem-12627	2	8	302	302	NUM
fbem-12627	2	9	the	the	DET
fbem-12627	2	10	impact	impact	NOUN
fbem-12627	2	11	of	of	ADP
fbem-12627	2	12	blockchain	blockchain	PROPN
fbem-12627	2	13	adoption	adoption	NOUN
fbem-12627	2	14	on	on	ADP
fbem-12627	2	15	financial	financial	ADJ
fbem-12627	2	16	performance	performance	NOUN
fbem-12627	2	17	in	in	ADP
fbem-12627	2	18	fintech	fintech	NOUN
fbem-12627	2	19	firms	firm	NOUN
fbem-12627	2	20	:	:	PUNCT
fbem-12627	2	21	a	a	DET
fbem-12627	2	22	review	review	NOUN
fbem-12627	2	23	of	of	ADP
fbem-12627	2	24	the	the	DET
fbem-12627	2	25	literature	literature	PROPN
fbem-12627	2	26	pengyan	pengyan	PROPN
fbem-12627	2	27	xie1	xie1	PROPN
fbem-12627	2	28	,	,	PUNCT
fbem-12627	2	29	2	2	X
fbem-12627	2	30	,	,	PUNCT
fbem-12627	2	31	aza	aza	PROPN
fbem-12627	2	32	azlina	azlina	NOUN
fbem-12627	2	33	md	md	PROPN
fbem-12627	2	34	kassim1	kassim1	PROPN
fbem-12627	2	35	,	,	PUNCT
fbem-12627	2	36	*	*	PUNCT
fbem-12627	2	37	,	,	PUNCT
fbem-12627	2	38	mingxia	mingxia	PROPN
fbem-12627	2	39	wei2	wei2	PROPN
fbem-12627	2	40	,	,	PUNCT
fbem-12627	3	1	rabab	rabab	PROPN
fbem-12627	3	2	alayham	alayham	PROPN
fbem-12627	3	3	abbas	abbas	PROPN
fbem-12627	3	4	helmi3	helmi3	PROPN
fbem-12627	3	5	1	1	NUM
fbem-12627	3	6	graduate	graduate	NOUN
fbem-12627	3	7	school	school	NOUN
fbem-12627	3	8	of	of	ADP
fbem-12627	3	9	management	management	NOUN
fbem-12627	3	10	,	,	PUNCT
fbem-12627	3	11	management	management	NOUN
fbem-12627	3	12	and	and	CCONJ
fbem-12627	3	13	science	science	NOUN
fbem-12627	3	14	university	university	PROPN
fbem-12627	3	15	,	,	PUNCT
fbem-12627	3	16	shah	shah	PROPN
fbem-12627	3	17	alam	alam	PROPN
fbem-12627	3	18	,	,	PUNCT
fbem-12627	3	19	selangor	selangor	PROPN
fbem-12627	3	20	,	,	PUNCT
fbem-12627	3	21	40100	40100	NUM
fbem-12627	3	22	,	,	PUNCT
fbem-12627	3	23	malaysia	malaysia	PROPN
fbem-12627	3	24	2	2	NUM
fbem-12627	3	25	school	school	NOUN
fbem-12627	3	26	of	of	ADP
fbem-12627	3	27	management	management	NOUN
fbem-12627	3	28	,	,	PUNCT
fbem-12627	3	29	henan	henan	PROPN
fbem-12627	3	30	university	university	PROPN
fbem-12627	3	31	of	of	ADP
fbem-12627	3	32	technology	technology	PROPN
fbem-12627	3	33	,	,	PUNCT
fbem-12627	3	34	zhengzhou	zhengzhou	PROPN
fbem-12627	3	35	,	,	PUNCT
fbem-12627	3	36	henan	henan	PROPN
fbem-12627	3	37	,	,	PUNCT
fbem-12627	3	38	450001	450001	NUM
fbem-12627	3	39	,	,	PUNCT
fbem-12627	3	40	china	china	PROPN
fbem-12627	3	41	3	3	NUM
fbem-12627	3	42	school	school	NOUN
fbem-12627	3	43	of	of	ADP
fbem-12627	3	44	graduate	graduate	NOUN
fbem-12627	3	45	studies	study	NOUN
fbem-12627	3	46	,	,	PUNCT
fbem-12627	3	47	management	management	NOUN
fbem-12627	3	48	and	and	CCONJ
fbem-12627	3	49	science	science	NOUN
fbem-12627	3	50	university	university	PROPN
fbem-12627	3	51	,	,	PUNCT
fbem-12627	3	52	shah	shah	PROPN
fbem-12627	3	53	alam	alam	PROPN
fbem-12627	3	54	,	,	PUNCT
fbem-12627	3	55	selangor	selangor	PROPN
fbem-12627	3	56	,	,	PUNCT
fbem-12627	3	57	40100	40100	NUM
fbem-12627	3	58	,	,	PUNCT
fbem-12627	3	59	malaysia	malaysia	PROPN
fbem-12627	3	60	*	*	PUNCT
fbem-12627	3	61	corresponding	correspond	VERB
fbem-12627	3	62	author	author	NOUN
fbem-12627	3	63	:	:	PUNCT
fbem-12627	3	64	aza	aza	PROPN
fbem-12627	3	65	azlina	azlina	PROPN
fbem-12627	3	66	md	md	PROPN
fbem-12627	3	67	kassim	kassim	PROPN
fbem-12627	3	68	(	(	PUNCT
fbem-12627	3	69	email	email	NOUN
fbem-12627	3	70	:	:	PUNCT
fbem-12627	3	71	aza_azlina@msu.edu.my	aza_azlina@msu.edu.my	ADJ
fbem-12627	3	72	)	)	PUNCT
fbem-12627	3	73	other	other	ADJ
fbem-12627	3	74	authors	author	NOUN
fbem-12627	3	75	:	:	PUNCT
fbem-12627	3	76	pengyan	pengyan	PROPN
fbem-12627	3	77	xie	xie	PROPN
fbem-12627	3	78	(	(	PUNCT
fbem-12627	3	79	email	email	NOUN
fbem-12627	3	80	:	:	PUNCT
fbem-12627	3	81	012021090947@gsm.msu.edu.my	012021090947@gsm.msu.edu.my	NUM
fbem-12627	3	82	)	)	PUNCT
fbem-12627	3	83	,	,	PUNCT
fbem-12627	3	84	mingxia	mingxia	PROPN
fbem-12627	3	85	wei	wei	PROPN
fbem-12627	3	86	(	(	PUNCT
fbem-12627	3	87	email	email	NOUN
fbem-12627	3	88	:	:	PUNCT
fbem-12627	3	89	weimingxia@haut.edu.cn	weimingxia@haut.edu.cn	PROPN
fbem-12627	3	90	)	)	PUNCT
fbem-12627	3	91	,	,	PUNCT
fbem-12627	4	1	rabab	rabab	PROPN
fbem-12627	4	2	alayham	alayham	PROPN
fbem-12627	4	3	abbas	abbas	PROPN
fbem-12627	4	4	helmi	helmi	PROPN
fbem-12627	4	5	(	(	PUNCT
fbem-12627	4	6	email	email	NOUN
fbem-12627	4	7	:	:	PUNCT
fbem-12627	4	8	rabab_alayham@msu.edu.my	rabab_alayham@msu.edu.my	NOUN
fbem-12627	4	9	)	)	PUNCT
fbem-12627	4	10	abstract	abstract	NOUN
fbem-12627	4	11	:	:	PUNCT
fbem-12627	4	12	this	this	DET
fbem-12627	4	13	write	write	VERB
fbem-12627	4	14	-	-	PUNCT
fbem-12627	4	15	up	up	NOUN
fbem-12627	4	16	explores	explore	NOUN
fbem-12627	4	17	the	the	DET
fbem-12627	4	18	impact	impact	NOUN
fbem-12627	4	19	of	of	ADP
fbem-12627	4	20	blockchain	blockchain	PROPN
fbem-12627	4	21	adoption	adoption	NOUN
fbem-12627	4	22	on	on	ADP
fbem-12627	4	23	financial	financial	ADJ
fbem-12627	4	24	performance	performance	NOUN
fbem-12627	4	25	in	in	ADP
fbem-12627	4	26	fintech	fintech	NOUN
fbem-12627	4	27	firms	firm	NOUN
fbem-12627	4	28	.	.	PUNCT
fbem-12627	5	1	fintech	fintech	NOUN
fbem-12627	5	2	's	's	PART
fbem-12627	5	3	integration	integration	NOUN
fbem-12627	5	4	of	of	ADP
fbem-12627	5	5	blockchain	blockchain	PROPN
fbem-12627	5	6	technology	technology	PROPN
fbem-12627	5	7	enhances	enhance	VERB
fbem-12627	5	8	revenue	revenue	NOUN
fbem-12627	5	9	,	,	PUNCT
fbem-12627	5	10	reduces	reduce	VERB
fbem-12627	5	11	costs	cost	NOUN
fbem-12627	5	12	,	,	PUNCT
fbem-12627	5	13	and	and	CCONJ
fbem-12627	5	14	augments	augment	VERB
fbem-12627	5	15	competitiveness	competitiveness	NOUN
fbem-12627	5	16	.	.	PUNCT
fbem-12627	6	1	key	key	ADJ
fbem-12627	6	2	findings	finding	NOUN
fbem-12627	6	3	reveal	reveal	VERB
fbem-12627	6	4	revenue	revenue	NOUN
fbem-12627	6	5	growth	growth	NOUN
fbem-12627	6	6	through	through	ADP
fbem-12627	6	7	asset	asset	NOUN
fbem-12627	6	8	tokenization	tokenization	NOUN
fbem-12627	6	9	and	and	CCONJ
fbem-12627	6	10	efficient	efficient	ADJ
fbem-12627	6	11	cross	cross	ADJ
fbem-12627	6	12	-	-	ADJ
fbem-12627	6	13	border	border	ADJ
fbem-12627	6	14	payments	payment	NOUN
fbem-12627	6	15	.	.	PUNCT
fbem-12627	7	1	cost	cost	NOUN
fbem-12627	7	2	savings	saving	NOUN
fbem-12627	7	3	arise	arise	VERB
fbem-12627	7	4	from	from	ADP
fbem-12627	7	5	intermediary	intermediary	ADJ
fbem-12627	7	6	removal	removal	NOUN
fbem-12627	7	7	and	and	CCONJ
fbem-12627	7	8	smart	smart	ADJ
fbem-12627	7	9	contract	contract	NOUN
fbem-12627	7	10	automation	automation	NOUN
fbem-12627	7	11	.	.	PUNCT
fbem-12627	8	1	fintech	fintech	NOUN
fbem-12627	8	2	firms	firm	NOUN
fbem-12627	8	3	collaborating	collaborate	VERB
fbem-12627	8	4	with	with	ADP
fbem-12627	8	5	blockchain	blockchain	PROPN
fbem-12627	8	6	startups	startup	NOUN
fbem-12627	8	7	gain	gain	VERB
fbem-12627	8	8	market	market	NOUN
fbem-12627	8	9	share	share	NOUN
fbem-12627	8	10	.	.	PUNCT
fbem-12627	9	1	enhanced	enhance	VERB
fbem-12627	9	2	profitability	profitability	NOUN
fbem-12627	9	3	and	and	CCONJ
fbem-12627	9	4	risk	risk	NOUN
fbem-12627	9	5	management	management	NOUN
fbem-12627	9	6	are	be	AUX
fbem-12627	9	7	observed	observe	VERB
fbem-12627	9	8	.	.	PUNCT
fbem-12627	10	1	challenges	challenge	NOUN
fbem-12627	10	2	include	include	VERB
fbem-12627	10	3	scalability	scalability	NOUN
fbem-12627	10	4	,	,	PUNCT
fbem-12627	10	5	regulatory	regulatory	ADJ
fbem-12627	10	6	uncertainty	uncertainty	NOUN
fbem-12627	10	7	,	,	PUNCT
fbem-12627	10	8	and	and	CCONJ
fbem-12627	10	9	interoperability	interoperability	NOUN
fbem-12627	10	10	issues	issue	NOUN
fbem-12627	10	11	.	.	PUNCT
fbem-12627	11	1	limited	limited	ADJ
fbem-12627	11	2	long	long	ADJ
fbem-12627	11	3	-	-	PUNCT
fbem-12627	11	4	term	term	NOUN
fbem-12627	11	5	data	datum	NOUN
fbem-12627	11	6	availability	availability	NOUN
fbem-12627	11	7	and	and	CCONJ
fbem-12627	11	8	industry	industry	NOUN
fbem-12627	11	9	-	-	PUNCT
fbem-12627	11	10	specific	specific	ADJ
fbem-12627	11	11	variations	variation	NOUN
fbem-12627	11	12	pose	pose	VERB
fbem-12627	11	13	limitations	limitation	NOUN
fbem-12627	11	14	.	.	PUNCT
fbem-12627	12	1	implications	implication	NOUN
fbem-12627	12	2	suggest	suggest	VERB
fbem-12627	12	3	further	further	ADJ
fbem-12627	12	4	research	research	NOUN
fbem-12627	12	5	into	into	ADP
fbem-12627	12	6	long	long	ADJ
fbem-12627	12	7	-	-	PUNCT
fbem-12627	12	8	term	term	NOUN
fbem-12627	12	9	effects	effect	NOUN
fbem-12627	12	10	,	,	PUNCT
fbem-12627	12	11	subsector	subsector	NOUN
fbem-12627	12	12	-	-	PUNCT
fbem-12627	12	13	specific	specific	ADJ
fbem-12627	12	14	investigations	investigation	NOUN
fbem-12627	12	15	,	,	PUNCT
fbem-12627	12	16	and	and	CCONJ
fbem-12627	12	17	comparative	comparative	ADJ
fbem-12627	12	18	analyses	analysis	NOUN
fbem-12627	12	19	.	.	PUNCT
fbem-12627	13	1	fintech	fintech	NOUN
fbem-12627	13	2	firms	firm	NOUN
fbem-12627	13	3	are	be	AUX
fbem-12627	13	4	encouraged	encourage	VERB
fbem-12627	13	5	to	to	PART
fbem-12627	13	6	strategically	strategically	ADV
fbem-12627	13	7	adopt	adopt	VERB
fbem-12627	13	8	blockchain	blockchain	NOUN
fbem-12627	13	9	while	while	SCONJ
fbem-12627	13	10	emphasizing	emphasize	VERB
fbem-12627	13	11	compliance	compliance	NOUN
fbem-12627	13	12	and	and	CCONJ
fbem-12627	13	13	risk	risk	NOUN
fbem-12627	13	14	management	management	NOUN
fbem-12627	13	15	.	.	PUNCT
fbem-12627	14	1	keywords	keyword	NOUN
fbem-12627	14	2	:	:	PUNCT
fbem-12627	14	3	blockchain	blockchain	PROPN
fbem-12627	14	4	adoption	adoption	PROPN
fbem-12627	14	5	,	,	PUNCT
fbem-12627	14	6	fintech	fintech	NOUN
fbem-12627	14	7	firms	firm	NOUN
fbem-12627	14	8	,	,	PUNCT
fbem-12627	14	9	financial	financial	ADJ
fbem-12627	14	10	performance	performance	NOUN
fbem-12627	14	11	.	.	PUNCT
fbem-12627	15	1	1	1	X
fbem-12627	15	2	.	.	X
fbem-12627	15	3	introduction	introduction	NOUN
fbem-12627	15	4	blockchain	blockchain	PROPN
fbem-12627	15	5	innovation	innovation	PROPN
fbem-12627	15	6	has	have	AUX
fbem-12627	15	7	developed	develop	VERB
fbem-12627	15	8	as	as	ADP
fbem-12627	15	9	a	a	DET
fbem-12627	15	10	transformative	transformative	ADJ
fbem-12627	15	11	drive	drive	NOUN
fbem-12627	15	12	within	within	ADP
fbem-12627	15	13	the	the	DET
fbem-12627	15	14	space	space	NOUN
fbem-12627	15	15	of	of	ADP
fbem-12627	15	16	financial	financial	ADJ
fbem-12627	15	17	innovation	innovation	NOUN
fbem-12627	15	18	(	(	PUNCT
fbem-12627	15	19	fintech	fintech	NOUN
fbem-12627	15	20	)	)	PUNCT
fbem-12627	15	21	,	,	PUNCT
fbem-12627	15	22	displaying	display	VERB
fbem-12627	15	23	a	a	DET
fbem-12627	15	24	different	different	ADJ
fbem-12627	15	25	cluster	cluster	NOUN
fbem-12627	15	26	of	of	ADP
fbem-12627	15	27	opportunities	opportunity	NOUN
fbem-12627	15	28	and	and	CCONJ
fbem-12627	15	29	challenges	challenge	NOUN
fbem-12627	15	30	for	for	ADP
fbem-12627	15	31	fintech	fintech	NOUN
fbem-12627	15	32	companies	company	NOUN
fbem-12627	15	33	around	around	ADP
fbem-12627	15	34	the	the	DET
fbem-12627	15	35	world	world	NOUN
fbem-12627	15	36	.	.	PUNCT
fbem-12627	16	1	as	as	SCONJ
fbem-12627	16	2	conventional	conventional	ADJ
fbem-12627	16	3	financial	financial	ADJ
fbem-12627	16	4	institutions	institution	NOUN
fbem-12627	16	5	grapple	grapple	VERB
fbem-12627	16	6	with	with	ADP
fbem-12627	16	7	the	the	DET
fbem-12627	16	8	results	result	NOUN
fbem-12627	16	9	of	of	ADP
fbem-12627	16	10	this	this	DET
fbem-12627	16	11	spearheading	spearhead	VERB
fbem-12627	16	12	innovation	innovation	NOUN
fbem-12627	16	13	,	,	PUNCT
fbem-12627	16	14	fintech	fintech	NOUN
fbem-12627	16	15	undertakings	undertaking	NOUN
fbem-12627	16	16	have	have	AUX
fbem-12627	16	17	accepted	accept	VERB
fbem-12627	16	18	an	an	DET
fbem-12627	16	19	unmistakable	unmistakable	ADJ
fbem-12627	16	20	position	position	NOUN
fbem-12627	16	21	in	in	ADP
fbem-12627	16	22	its	its	PRON
fbem-12627	16	23	appropriation	appropriation	NOUN
fbem-12627	16	24	,	,	PUNCT
fbem-12627	16	25	endeavoring	endeavor	VERB
fbem-12627	16	26	to	to	PART
fbem-12627	16	27	tackle	tackle	VERB
fbem-12627	16	28	its	its	PRON
fbem-12627	16	29	capabilities	capability	NOUN
fbem-12627	16	30	to	to	PART
fbem-12627	16	31	improve	improve	VERB
fbem-12627	16	32	financial	financial	ADJ
fbem-12627	16	33	services	service	NOUN
fbem-12627	16	34	and	and	CCONJ
fbem-12627	16	35	trigger	trigger	VERB
fbem-12627	16	36	an	an	DET
fbem-12627	16	37	essential	essential	ADJ
fbem-12627	16	38	change	change	NOUN
fbem-12627	16	39	within	within	ADP
fbem-12627	16	40	the	the	DET
fbem-12627	16	41	industry	industry	NOUN
fbem-12627	16	42	.	.	PUNCT
fbem-12627	17	1	the	the	DET
fbem-12627	17	2	importance	importance	NOUN
fbem-12627	17	3	of	of	ADP
fbem-12627	17	4	this	this	DET
fbem-12627	17	5	subject	subject	NOUN
fbem-12627	17	6	matter	matter	NOUN
fbem-12627	17	7	resides	reside	VERB
fbem-12627	17	8	in	in	ADP
fbem-12627	17	9	its	its	PRON
fbem-12627	17	10	capacity	capacity	NOUN
fbem-12627	17	11	to	to	PART
fbem-12627	17	12	illuminate	illuminate	VERB
fbem-12627	17	13	the	the	DET
fbem-12627	17	14	ways	way	NOUN
fbem-12627	17	15	in	in	ADP
fbem-12627	17	16	which	which	PRON
fbem-12627	17	17	the	the	DET
fbem-12627	17	18	incorporation	incorporation	NOUN
fbem-12627	17	19	of	of	ADP
fbem-12627	17	20	blockchain	blockchain	PROPN
fbem-12627	17	21	technology	technology	PROPN
fbem-12627	17	22	shapes	shape	VERB
fbem-12627	17	23	the	the	DET
fbem-12627	17	24	financial	financial	ADJ
fbem-12627	17	25	performance	performance	NOUN
fbem-12627	17	26	of	of	ADP
fbem-12627	17	27	fintech	fintech	NOUN
fbem-12627	17	28	enterprises	enterprise	NOUN
fbem-12627	17	29	.	.	PUNCT
fbem-12627	18	1	grasping	grasp	VERB
fbem-12627	18	2	this	this	DET
fbem-12627	18	3	effect	effect	NOUN
fbem-12627	18	4	holds	hold	VERB
fbem-12627	18	5	significant	significant	ADJ
fbem-12627	18	6	relevance	relevance	NOUN
fbem-12627	18	7	,	,	PUNCT
fbem-12627	18	8	not	not	PART
fbem-12627	18	9	only	only	ADV
fbem-12627	18	10	from	from	ADP
fbem-12627	18	11	an	an	DET
fbem-12627	18	12	academic	academic	ADJ
fbem-12627	18	13	research	research	NOUN
fbem-12627	18	14	perspective	perspective	NOUN
fbem-12627	18	15	,	,	PUNCT
fbem-12627	18	16	but	but	CCONJ
fbem-12627	18	17	also	also	ADV
fbem-12627	18	18	for	for	ADP
fbem-12627	18	19	professionals	professional	NOUN
fbem-12627	18	20	,	,	PUNCT
fbem-12627	18	21	investors	investor	NOUN
fbem-12627	18	22	,	,	PUNCT
fbem-12627	18	23	and	and	CCONJ
fbem-12627	18	24	policymakers	policymaker	NOUN
fbem-12627	18	25	as	as	SCONJ
fbem-12627	18	26	they	they	PRON
fbem-12627	18	27	navigate	navigate	VERB
fbem-12627	18	28	the	the	DET
fbem-12627	18	29	dynamic	dynamic	ADJ
fbem-12627	18	30	landscape	landscape	NOUN
fbem-12627	18	31	of	of	ADP
fbem-12627	18	32	the	the	DET
fbem-12627	18	33	evolving	evolve	VERB
fbem-12627	18	34	fintech	fintech	NOUN
fbem-12627	18	35	ecosystem	ecosystem	NOUN
fbem-12627	18	36	.	.	PUNCT
fbem-12627	19	1	the	the	DET
fbem-12627	19	2	aim	aim	NOUN
fbem-12627	19	3	of	of	ADP
fbem-12627	19	4	this	this	DET
fbem-12627	19	5	literature	literature	NOUN
fbem-12627	19	6	review	review	NOUN
fbem-12627	19	7	is	be	AUX
fbem-12627	19	8	to	to	PART
fbem-12627	19	9	tackle	tackle	VERB
fbem-12627	19	10	the	the	DET
fbem-12627	19	11	pivotal	pivotal	ADJ
fbem-12627	19	12	question	question	NOUN
fbem-12627	19	13	:	:	PUNCT
fbem-12627	19	14	how	how	SCONJ
fbem-12627	19	15	does	do	AUX
fbem-12627	19	16	blockchain	blockchain	VERB
fbem-12627	19	17	adoption	adoption	NOUN
fbem-12627	19	18	impact	impact	VERB
fbem-12627	19	19	the	the	DET
fbem-12627	19	20	financial	financial	ADJ
fbem-12627	19	21	performance	performance	NOUN
fbem-12627	19	22	of	of	ADP
fbem-12627	19	23	fintech	fintech	NOUN
fbem-12627	19	24	firms	firm	NOUN
fbem-12627	19	25	?	?	PUNCT
fbem-12627	20	1	to	to	PART
fbem-12627	20	2	comprehensively	comprehensively	ADV
fbem-12627	20	3	address	address	VERB
fbem-12627	20	4	this	this	DET
fbem-12627	20	5	question	question	NOUN
fbem-12627	20	6	,	,	PUNCT
fbem-12627	20	7	an	an	DET
fbem-12627	20	8	examination	examination	NOUN
fbem-12627	20	9	of	of	ADP
fbem-12627	20	10	existing	exist	VERB
fbem-12627	20	11	scholarly	scholarly	ADJ
fbem-12627	20	12	work	work	NOUN
fbem-12627	20	13	exploring	explore	VERB
fbem-12627	20	14	various	various	ADJ
fbem-12627	20	15	aspects	aspect	NOUN
fbem-12627	20	16	of	of	ADP
fbem-12627	20	17	this	this	DET
fbem-12627	20	18	intricate	intricate	ADJ
fbem-12627	20	19	relationship	relationship	NOUN
fbem-12627	20	20	is	be	AUX
fbem-12627	20	21	undertaken	undertake	VERB
fbem-12627	20	22	.	.	PUNCT
fbem-12627	21	1	in	in	ADP
fbem-12627	21	2	the	the	DET
fbem-12627	21	3	subsequent	subsequent	ADJ
fbem-12627	21	4	sections	section	NOUN
fbem-12627	21	5	,	,	PUNCT
fbem-12627	21	6	this	this	DET
fbem-12627	21	7	review	review	NOUN
fbem-12627	21	8	will	will	AUX
fbem-12627	21	9	provide	provide	VERB
fbem-12627	21	10	a	a	DET
fbem-12627	21	11	comprehensive	comprehensive	ADJ
fbem-12627	21	12	understanding	understanding	NOUN
fbem-12627	21	13	of	of	ADP
fbem-12627	21	14	blockchain	blockchain	PROPN
fbem-12627	21	15	's	's	PART
fbem-12627	21	16	impact	impact	NOUN
fbem-12627	21	17	on	on	ADP
fbem-12627	21	18	fintech	fintech	NOUN
fbem-12627	21	19	financial	financial	ADJ
fbem-12627	21	20	performance	performance	NOUN
fbem-12627	21	21	.	.	PUNCT
fbem-12627	22	1	2	2	X
fbem-12627	22	2	.	.	X
fbem-12627	22	3	blockchain	blockchain	PROPN
fbem-12627	22	4	technology	technology	PROPN
fbem-12627	22	5	and	and	CCONJ
fbem-12627	22	6	fintech	fintech	NOUN
fbem-12627	22	7	initially	initially	ADV
fbem-12627	22	8	conceptualized	conceptualize	VERB
fbem-12627	22	9	as	as	ADP
fbem-12627	22	10	the	the	DET
fbem-12627	22	11	foundational	foundational	ADJ
fbem-12627	22	12	technology	technology	NOUN
fbem-12627	22	13	for	for	ADP
fbem-12627	22	14	digital	digital	ADJ
fbem-12627	22	15	currencies	currency	NOUN
fbem-12627	22	16	such	such	ADJ
fbem-12627	22	17	as	as	ADP
fbem-12627	22	18	bitcoin	bitcoin	NOUN
fbem-12627	22	19	,	,	PUNCT
fbem-12627	22	20	blockchain	blockchain	PROPN
fbem-12627	22	21	technology	technology	PROPN
fbem-12627	22	22	has	have	AUX
fbem-12627	22	23	transformed	transform	VERB
fbem-12627	22	24	into	into	ADP
fbem-12627	22	25	a	a	DET
fbem-12627	22	26	potent	potent	ADJ
fbem-12627	22	27	and	and	CCONJ
fbem-12627	22	28	adaptable	adaptable	ADJ
fbem-12627	22	29	advancement	advancement	NOUN
fbem-12627	22	30	with	with	ADP
fbem-12627	22	31	significant	significant	ADJ
fbem-12627	22	32	ramifications	ramification	NOUN
fbem-12627	22	33	for	for	ADP
fbem-12627	22	34	the	the	DET
fbem-12627	22	35	fintech	fintech	NOUN
fbem-12627	22	36	domain	domain	NOUN
fbem-12627	22	37	.	.	PUNCT
fbem-12627	23	1	its	its	PRON
fbem-12627	23	2	pertinence	pertinence	NOUN
fbem-12627	23	3	to	to	ADP
fbem-12627	23	4	fintech	fintech	NOUN
fbem-12627	23	5	stems	stem	VERB
fbem-12627	23	6	from	from	ADP
fbem-12627	23	7	its	its	PRON
fbem-12627	23	8	capacity	capacity	NOUN
fbem-12627	23	9	to	to	PART
fbem-12627	23	10	tackle	tackle	VERB
fbem-12627	23	11	certain	certain	ADJ
fbem-12627	23	12	critical	critical	ADJ
fbem-12627	23	13	dilemmas	dilemma	NOUN
fbem-12627	23	14	within	within	ADP
fbem-12627	23	15	the	the	DET
fbem-12627	23	16	sector	sector	NOUN
fbem-12627	23	17	while	while	SCONJ
fbem-12627	23	18	simultaneously	simultaneously	ADV
fbem-12627	23	19	opening	open	VERB
fbem-12627	23	20	up	up	ADP
fbem-12627	23	21	fresh	fresh	ADJ
fbem-12627	23	22	avenues	avenue	NOUN
fbem-12627	23	23	for	for	ADP
fbem-12627	23	24	inventive	inventive	ADJ
fbem-12627	23	25	solutions	solution	NOUN
fbem-12627	23	26	.	.	PUNCT
fbem-12627	24	1	2.1	2.1	NUM
fbem-12627	24	2	.	.	PUNCT
fbem-12627	24	3	definition	definition	NOUN
fbem-12627	24	4	blockchain	blockchain	PROPN
fbem-12627	24	5	,	,	PUNCT
fbem-12627	24	6	a	a	DET
fbem-12627	24	7	digital	digital	ADJ
fbem-12627	24	8	ledger	ledger	NOUN
fbem-12627	24	9	technology	technology	NOUN
fbem-12627	24	10	,	,	PUNCT
fbem-12627	24	11	is	be	AUX
fbem-12627	24	12	both	both	PRON
fbem-12627	24	13	decentralized	decentralize	VERB
fbem-12627	24	14	and	and	CCONJ
fbem-12627	24	15	distributed	distribute	VERB
fbem-12627	24	16	,	,	PUNCT
fbem-12627	24	17	documenting	document	VERB
fbem-12627	24	18	transactions	transaction	NOUN
fbem-12627	24	19	across	across	ADP
fbem-12627	24	20	a	a	DET
fbem-12627	24	21	computer	computer	NOUN
fbem-12627	24	22	network	network	NOUN
fbem-12627	24	23	.	.	PUNCT
fbem-12627	25	1	it	it	PRON
fbem-12627	25	2	functions	function	NOUN
fbem-12627	25	3	based	base	VERB
fbem-12627	25	4	on	on	ADP
fbem-12627	25	5	the	the	DET
fbem-12627	25	6	principles	principle	NOUN
fbem-12627	25	7	of	of	ADP
fbem-12627	25	8	openness	openness	NOUN
fbem-12627	25	9	,	,	PUNCT
fbem-12627	25	10	safety	safety	NOUN
fbem-12627	25	11	,	,	PUNCT
fbem-12627	25	12	inalterability	inalterability	NOUN
fbem-12627	25	13	,	,	PUNCT
fbem-12627	25	14	and	and	CCONJ
fbem-12627	25	15	accord	accord	NOUN
fbem-12627	25	16	.	.	PUNCT
fbem-12627	26	1	transactions	transaction	NOUN
fbem-12627	26	2	are	be	AUX
fbem-12627	26	3	organized	organize	VERB
fbem-12627	26	4	into	into	ADP
fbem-12627	26	5	blocks	block	NOUN
fbem-12627	26	6	,	,	PUNCT
fbem-12627	26	7	connected	connect	VERB
fbem-12627	26	8	sequentially	sequentially	ADV
fbem-12627	26	9	,	,	PUNCT
fbem-12627	26	10	and	and	CCONJ
fbem-12627	26	11	protected	protect	VERB
fbem-12627	26	12	via	via	ADP
fbem-12627	26	13	cryptographic	cryptographic	ADJ
fbem-12627	26	14	hashing	hashing	NOUN
fbem-12627	26	15	to	to	PART
fbem-12627	26	16	guarantee	guarantee	VERB
fbem-12627	26	17	the	the	DET
fbem-12627	26	18	integrity	integrity	NOUN
fbem-12627	26	19	of	of	ADP
fbem-12627	26	20	data	datum	NOUN
fbem-12627	26	21	(	(	PUNCT
fbem-12627	26	22	ghiro	ghiro	NOUN
fbem-12627	26	23	et	et	PROPN
fbem-12627	26	24	al	al	PROPN
fbem-12627	26	25	.	.	PROPN
fbem-12627	26	26	,	,	PUNCT
fbem-12627	26	27	2021	2021	NUM
fbem-12627	26	28	)	)	PUNCT
fbem-12627	26	29	.	.	PUNCT
fbem-12627	27	1	in	in	ADP
fbem-12627	27	2	addition	addition	NOUN
fbem-12627	27	3	to	to	ADP
fbem-12627	27	4	security	security	NOUN
fbem-12627	27	5	and	and	CCONJ
fbem-12627	27	6	transparency	transparency	NOUN
fbem-12627	27	7	,	,	PUNCT
fbem-12627	27	8	blockchain	blockchain	PROPN
fbem-12627	27	9	technology	technology	PROPN
fbem-12627	27	10	also	also	ADV
fbem-12627	27	11	brings	bring	VERB
fbem-12627	27	12	about	about	ADP
fbem-12627	27	13	substantial	substantial	ADJ
fbem-12627	27	14	cost	cost	NOUN
fbem-12627	27	15	reductions	reduction	NOUN
fbem-12627	27	16	,	,	PUNCT
fbem-12627	27	17	it	it	PRON
fbem-12627	27	18	ensures	ensure	VERB
fbem-12627	27	19	this	this	PRON
fbem-12627	27	20	by	by	ADP
fbem-12627	27	21	eliminating	eliminate	VERB
fbem-12627	27	22	intermediaries	intermediary	NOUN
fbem-12627	27	23	and	and	CCONJ
fbem-12627	27	24	reducing	reduce	VERB
fbem-12627	27	25	fees	fee	NOUN
fbem-12627	27	26	,	,	PUNCT
fbem-12627	27	27	blockchain	blockchain	PROPN
fbem-12627	27	28	is	be	AUX
fbem-12627	27	29	also	also	ADV
fbem-12627	27	30	nearly	nearly	ADV
fbem-12627	27	31	instantaneous	instantaneous	ADJ
fbem-12627	27	32	in	in	ADP
fbem-12627	27	33	cross	cross	ADJ
fbem-12627	27	34	-	-	ADJ
fbem-12627	27	35	border	border	ADJ
fbem-12627	27	36	transactions	transaction	NOUN
fbem-12627	27	37	.	.	PUNCT
fbem-12627	28	1	this	this	DET
fbem-12627	28	2	cost	cost	NOUN
fbem-12627	28	3	-	-	PUNCT
fbem-12627	28	4	saving	save	VERB
fbem-12627	28	5	aspect	aspect	NOUN
fbem-12627	28	6	is	be	AUX
fbem-12627	28	7	particularly	particularly	ADV
fbem-12627	28	8	appealing	appealing	ADJ
fbem-12627	28	9	to	to	ADP
fbem-12627	28	10	fintech	fintech	NOUN
fbem-12627	28	11	firms	firm	NOUN
fbem-12627	28	12	looking	look	VERB
fbem-12627	28	13	to	to	PART
fbem-12627	28	14	streamline	streamline	VERB
fbem-12627	28	15	their	their	PRON
fbem-12627	28	16	operations	operation	NOUN
fbem-12627	28	17	.	.	PUNCT
fbem-12627	29	1	smart	smart	ADJ
fbem-12627	29	2	contracts	contract	NOUN
fbem-12627	29	3	represent	represent	VERB
fbem-12627	29	4	another	another	DET
fbem-12627	29	5	significant	significant	ADJ
fbem-12627	29	6	aspect	aspect	NOUN
fbem-12627	29	7	of	of	ADP
fbem-12627	29	8	blockchain	blockchain	PROPN
fbem-12627	29	9	technology	technology	PROPN
fbem-12627	29	10	.	.	PUNCT
fbem-12627	30	1	these	these	DET
fbem-12627	30	2	self	self	NOUN
fbem-12627	30	3	-	-	PUNCT
fbem-12627	30	4	executing	execute	VERB
fbem-12627	30	5	contracts	contract	NOUN
fbem-12627	30	6	with	with	ADP
fbem-12627	30	7	predefined	predefine	VERB
fbem-12627	30	8	rules	rule	NOUN
fbem-12627	30	9	automate	automate	VERB
fbem-12627	30	10	complex	complex	ADJ
fbem-12627	30	11	processes	process	NOUN
fbem-12627	30	12	,	,	PUNCT
fbem-12627	30	13	including	include	VERB
fbem-12627	30	14	financial	financial	ADJ
fbem-12627	30	15	agreements	agreement	NOUN
fbem-12627	30	16	and	and	CCONJ
fbem-12627	30	17	settlements	settlement	NOUN
fbem-12627	30	18	(	(	PUNCT
fbem-12627	30	19	thankor	thankor	ADJ
fbem-12627	30	20	,	,	PUNCT
fbem-12627	30	21	2020	2020	NUM
fbem-12627	30	22	)	)	PUNCT
fbem-12627	30	23	.	.	PUNCT
fbem-12627	31	1	lastly	lastly	ADV
fbem-12627	31	2	,	,	PUNCT
fbem-12627	31	3	fintech	fintech	NOUN
fbem-12627	31	4	companies	company	NOUN
fbem-12627	31	5	are	be	AUX
fbem-12627	31	6	harnessing	harness	VERB
fbem-12627	31	7	blockchain	blockchain	PROPN
fbem-12627	31	8	technology	technology	PROPN
fbem-12627	31	9	to	to	PART
fbem-12627	31	10	fuel	fuel	VERB
fbem-12627	31	11	their	their	PRON
fbem-12627	31	12	innovative	innovative	ADJ
fbem-12627	31	13	endeavors	endeavor	NOUN
fbem-12627	31	14	.	.	PUNCT
fbem-12627	32	1	this	this	PRON
fbem-12627	32	2	encompasses	encompass	VERB
fbem-12627	32	3	the	the	DET
fbem-12627	32	4	development	development	NOUN
fbem-12627	32	5	of	of	ADP
fbem-12627	32	6	cutting	cut	VERB
fbem-12627	32	7	-	-	PUNCT
fbem-12627	32	8	edge	edge	NOUN
fbem-12627	32	9	products	product	NOUN
fbem-12627	32	10	like	like	ADP
fbem-12627	32	11	decentralized	decentralize	VERB
fbem-12627	32	12	finance	finance	NOUN
fbem-12627	32	13	(	(	PUNCT
fbem-12627	32	14	defi	defi	NOUN
fbem-12627	32	15	)	)	PUNCT
fbem-12627	32	16	platforms	platform	NOUN
fbem-12627	32	17	,	,	PUNCT
fbem-12627	32	18	the	the	DET
fbem-12627	32	19	tokenization	tokenization	NOUN
fbem-12627	32	20	of	of	ADP
fbem-12627	32	21	assets	asset	NOUN
fbem-12627	32	22	,	,	PUNCT
fbem-12627	32	23	and	and	CCONJ
fbem-12627	32	24	solutions	solution	NOUN
fbem-12627	32	25	for	for	ADP
fbem-12627	32	26	digital	digital	ADJ
fbem-12627	32	27	identity	identity	NOUN
fbem-12627	32	28	verification	verification	NOUN
fbem-12627	32	29	.	.	PUNCT
fbem-12627	33	1	these	these	DET
fbem-12627	33	2	breakthroughs	breakthrough	NOUN
fbem-12627	33	3	possess	possess	VERB
fbem-12627	33	4	the	the	DET
fbem-12627	33	5	potential	potential	NOUN
fbem-12627	33	6	to	to	PART
fbem-12627	33	7	fundamentally	fundamentally	ADV
fbem-12627	33	8	transform	transform	VERB
fbem-12627	33	9	the	the	DET
fbem-12627	33	10	financial	financial	ADJ
fbem-12627	33	11	landscape	landscape	NOUN
fbem-12627	33	12	(	(	PUNCT
fbem-12627	33	13	chen	chen	PROPN
fbem-12627	33	14	et	et	PROPN
fbem-12627	33	15	al	al	PROPN
fbem-12627	33	16	,	,	PUNCT
fbem-12627	33	17	2020	2020	NUM
fbem-12627	33	18	)	)	PUNCT
fbem-12627	33	19	.	.	PUNCT
fbem-12627	34	1	3	3	X
fbem-12627	34	2	.	.	X
fbem-12627	34	3	impact	impact	NOUN
fbem-12627	34	4	of	of	ADP
fbem-12627	34	5	blockchain	blockchain	PROPN
fbem-12627	34	6	adoption	adoption	PROPN
fbem-12627	34	7	blockchain	blockchain	PROPN
fbem-12627	34	8	adoption	adoption	NOUN
fbem-12627	34	9	in	in	ADP
fbem-12627	34	10	the	the	DET
fbem-12627	34	11	fintech	fintech	NOUN
fbem-12627	34	12	sector	sector	NOUN
fbem-12627	34	13	has	have	AUX
fbem-12627	34	14	had	have	VERB
fbem-12627	34	15	a	a	DET
fbem-12627	34	16	profound	profound	ADJ
fbem-12627	34	17	influence	influence	NOUN
fbem-12627	34	18	on	on	ADP
fbem-12627	34	19	various	various	ADJ
fbem-12627	34	20	aspects	aspect	NOUN
fbem-12627	34	21	of	of	ADP
fbem-12627	34	22	financial	financial	ADJ
fbem-12627	34	23	performance	performance	NOUN
fbem-12627	34	24	.	.	PUNCT
fbem-12627	35	1	this	this	DET
fbem-12627	35	2	section	section	NOUN
fbem-12627	35	3	explores	explore	VERB
fbem-12627	35	4	how	how	SCONJ
fbem-12627	35	5	fintech	fintech	NOUN
fbem-12627	35	6	firms	firm	NOUN
fbem-12627	35	7	are	be	AUX
fbem-12627	35	8	affected	affect	VERB
fbem-12627	35	9	in	in	ADP
fbem-12627	35	10	terms	term	NOUN
fbem-12627	35	11	of	of	ADP
fbem-12627	35	12	revenue	revenue	NOUN
fbem-12627	35	13	enhancement	enhancement	NOUN
fbem-12627	35	14	,	,	PUNCT
fbem-12627	35	15	cost	cost	NOUN
fbem-12627	35	16	reduction	reduction	NOUN
fbem-12627	35	17	,	,	PUNCT
fbem-12627	35	18	market	market	NOUN
fbem-12627	35	19	share	share	NOUN
fbem-12627	35	20	and	and	CCONJ
fbem-12627	35	21	competition	competition	NOUN
fbem-12627	35	22	,	,	PUNCT
fbem-12627	35	23	and	and	CCONJ
fbem-12627	35	24	profitability	profitability	NOUN
fbem-12627	35	25	and	and	CCONJ
fbem-12627	35	26	risk	risk	NOUN
fbem-12627	35	27	303	303	NUM
fbem-12627	35	28	management	management	NOUN
fbem-12627	35	29	.	.	PUNCT
fbem-12627	36	1	3.1	3.1	NUM
fbem-12627	36	2	.	.	PUNCT
fbem-12627	37	1	revenue	revenue	NOUN
fbem-12627	37	2	enhancement	enhancement	NOUN
fbem-12627	37	3	blockchain	blockchain	PROPN
fbem-12627	37	4	technology	technology	PROPN
fbem-12627	37	5	presents	present	VERB
fbem-12627	37	6	fintech	fintech	NOUN
fbem-12627	37	7	firms	firm	NOUN
fbem-12627	37	8	with	with	ADP
fbem-12627	37	9	various	various	ADJ
fbem-12627	37	10	avenues	avenue	NOUN
fbem-12627	37	11	for	for	ADP
fbem-12627	37	12	revenue	revenue	NOUN
fbem-12627	37	13	enhancement	enhancement	NOUN
fbem-12627	37	14	.	.	PUNCT
fbem-12627	38	1	one	one	NUM
fbem-12627	38	2	such	such	ADJ
fbem-12627	38	3	avenue	avenue	NOUN
fbem-12627	38	4	is	be	AUX
fbem-12627	38	5	the	the	DET
fbem-12627	38	6	tokenization	tokenization	NOUN
fbem-12627	38	7	of	of	ADP
fbem-12627	38	8	assets	asset	NOUN
fbem-12627	38	9	.	.	PUNCT
fbem-12627	39	1	fintech	fintech	NOUN
fbem-12627	39	2	companies	company	NOUN
fbem-12627	39	3	leverage	leverage	VERB
fbem-12627	39	4	blockchain	blockchain	PROPN
fbem-12627	39	5	to	to	PART
fbem-12627	39	6	tokenize	tokenize	VERB
fbem-12627	39	7	real	real	ADJ
fbem-12627	39	8	-	-	PUNCT
fbem-12627	39	9	world	world	NOUN
fbem-12627	39	10	assets	asset	NOUN
fbem-12627	39	11	like	like	ADP
fbem-12627	39	12	real	real	ADJ
fbem-12627	39	13	estate	estate	NOUN
fbem-12627	39	14	,	,	PUNCT
fbem-12627	39	15	stocks	stock	NOUN
fbem-12627	39	16	,	,	PUNCT
fbem-12627	39	17	and	and	CCONJ
fbem-12627	39	18	art	art	NOUN
fbem-12627	39	19	(	(	PUNCT
fbem-12627	39	20	juan	juan	PROPN
fbem-12627	39	21	et	et	PROPN
fbem-12627	39	22	al	al	PROPN
fbem-12627	39	23	.	.	PROPN
fbem-12627	39	24	,	,	PUNCT
fbem-12627	39	25	2023	2023	NUM
fbem-12627	39	26	)	)	PUNCT
fbem-12627	39	27	.	.	PUNCT
fbem-12627	40	1	this	this	DET
fbem-12627	40	2	fractional	fractional	ADJ
fbem-12627	40	3	ownership	ownership	NOUN
fbem-12627	40	4	model	model	NOUN
fbem-12627	40	5	not	not	PART
fbem-12627	40	6	only	only	ADV
fbem-12627	40	7	enables	enable	VERB
fbem-12627	40	8	micro	micro	NOUN
fbem-12627	40	9	-	-	NOUN
fbem-12627	40	10	investing	investing	ADJ
fbem-12627	40	11	but	but	CCONJ
fbem-12627	40	12	also	also	ADV
fbem-12627	40	13	broadens	broaden	VERB
fbem-12627	40	14	revenue	revenue	NOUN
fbem-12627	40	15	streams	stream	NOUN
fbem-12627	40	16	through	through	ADP
fbem-12627	40	17	transaction	transaction	NOUN
fbem-12627	40	18	fees	fee	NOUN
fbem-12627	40	19	.	.	PUNCT
fbem-12627	41	1	by	by	ADP
fbem-12627	41	2	breaking	break	VERB
fbem-12627	41	3	down	down	ADP
fbem-12627	41	4	these	these	DET
fbem-12627	41	5	assets	asset	NOUN
fbem-12627	41	6	into	into	ADP
fbem-12627	41	7	smaller	small	ADJ
fbem-12627	41	8	,	,	PUNCT
fbem-12627	41	9	tradeable	tradeable	ADJ
fbem-12627	41	10	units	unit	NOUN
fbem-12627	41	11	,	,	PUNCT
fbem-12627	41	12	fintech	fintech	NOUN
fbem-12627	41	13	firms	firm	NOUN
fbem-12627	41	14	can	can	AUX
fbem-12627	41	15	attract	attract	VERB
fbem-12627	41	16	a	a	DET
fbem-12627	41	17	wider	wide	ADJ
fbem-12627	41	18	range	range	NOUN
fbem-12627	41	19	of	of	ADP
fbem-12627	41	20	investors	investor	NOUN
fbem-12627	41	21	,	,	PUNCT
fbem-12627	41	22	each	each	PRON
fbem-12627	41	23	contributing	contribute	VERB
fbem-12627	41	24	to	to	ADP
fbem-12627	41	25	increased	increase	VERB
fbem-12627	41	26	transaction	transaction	NOUN
fbem-12627	41	27	volumes	volume	NOUN
fbem-12627	41	28	and	and	CCONJ
fbem-12627	41	29	associated	associated	ADJ
fbem-12627	41	30	revenue	revenue	NOUN
fbem-12627	41	31	.	.	PUNCT
fbem-12627	42	1	another	another	DET
fbem-12627	42	2	significant	significant	ADJ
fbem-12627	42	3	revenue	revenue	NOUN
fbem-12627	42	4	-	-	PUNCT
fbem-12627	42	5	enhancing	enhance	VERB
fbem-12627	42	6	opportunity	opportunity	NOUN
fbem-12627	42	7	arises	arise	VERB
fbem-12627	42	8	from	from	ADP
fbem-12627	42	9	blockchain	blockchain	PROPN
fbem-12627	42	10	's	's	PART
fbem-12627	42	11	role	role	NOUN
fbem-12627	42	12	in	in	ADP
fbem-12627	42	13	facilitating	facilitate	VERB
fbem-12627	42	14	cross	cross	ADJ
fbem-12627	42	15	-	-	ADJ
fbem-12627	42	16	border	border	ADJ
fbem-12627	42	17	payments	payment	NOUN
fbem-12627	42	18	(	(	PUNCT
fbem-12627	42	19	tian	tian	PROPN
fbem-12627	42	20	et	et	PROPN
fbem-12627	42	21	al	al	PROPN
fbem-12627	42	22	.	.	PROPN
fbem-12627	42	23	,	,	PUNCT
fbem-12627	42	24	2022	2022	NUM
fbem-12627	42	25	)	)	PUNCT
fbem-12627	42	26	.	.	PUNCT
fbem-12627	43	1	blockchain	blockchain	PROPN
fbem-12627	43	2	enables	enable	VERB
fbem-12627	43	3	near	near	ADP
fbem-12627	43	4	-	-	PUNCT
fbem-12627	43	5	instant	instant	NOUN
fbem-12627	43	6	crossborder	crossborder	NOUN
fbem-12627	43	7	transactions	transaction	NOUN
fbem-12627	43	8	,	,	PUNCT
fbem-12627	43	9	effectively	effectively	ADV
fbem-12627	43	10	reducing	reduce	VERB
fbem-12627	43	11	both	both	CCONJ
fbem-12627	43	12	the	the	DET
fbem-12627	43	13	time	time	NOUN
fbem-12627	43	14	and	and	CCONJ
fbem-12627	43	15	cost	cost	NOUN
fbem-12627	43	16	associated	associate	VERB
fbem-12627	43	17	with	with	ADP
fbem-12627	43	18	international	international	ADJ
fbem-12627	43	19	money	money	NOUN
fbem-12627	43	20	transfers	transfer	NOUN
fbem-12627	43	21	.	.	PUNCT
fbem-12627	44	1	fintech	fintech	NOUN
fbem-12627	44	2	firms	firm	NOUN
fbem-12627	44	3	that	that	PRON
fbem-12627	44	4	offer	offer	VERB
fbem-12627	44	5	blockchain	blockchain	PROPN
fbem-12627	44	6	-	-	PUNCT
fbem-12627	44	7	based	base	VERB
fbem-12627	44	8	remittance	remittance	NOUN
fbem-12627	44	9	services	service	NOUN
fbem-12627	44	10	can	can	AUX
fbem-12627	44	11	leverage	leverage	VERB
fbem-12627	44	12	this	this	DET
fbem-12627	44	13	technology	technology	NOUN
fbem-12627	44	14	to	to	PART
fbem-12627	44	15	attract	attract	VERB
fbem-12627	44	16	a	a	DET
fbem-12627	44	17	global	global	ADJ
fbem-12627	44	18	customer	customer	NOUN
fbem-12627	44	19	base	base	NOUN
fbem-12627	44	20	.	.	PUNCT
fbem-12627	45	1	this	this	DET
fbem-12627	45	2	increased	increase	VERB
fbem-12627	45	3	customer	customer	NOUN
fbem-12627	45	4	reach	reach	VERB
fbem-12627	45	5	results	result	NOUN
fbem-12627	45	6	in	in	ADP
fbem-12627	45	7	higher	high	ADJ
fbem-12627	45	8	transaction	transaction	NOUN
fbem-12627	45	9	volumes	volume	NOUN
fbem-12627	45	10	and	and	CCONJ
fbem-12627	45	11	,	,	PUNCT
fbem-12627	45	12	subsequently	subsequently	ADV
fbem-12627	45	13	,	,	PUNCT
fbem-12627	45	14	greater	great	ADJ
fbem-12627	45	15	revenue	revenue	NOUN
fbem-12627	45	16	.	.	PUNCT
fbem-12627	46	1	furthermore	furthermore	ADV
fbem-12627	46	2	,	,	PUNCT
fbem-12627	46	3	the	the	DET
fbem-12627	46	4	transparent	transparent	ADJ
fbem-12627	46	5	and	and	CCONJ
fbem-12627	46	6	efficient	efficient	ADJ
fbem-12627	46	7	nature	nature	NOUN
fbem-12627	46	8	of	of	ADP
fbem-12627	46	9	blockchain	blockchain	PROPN
fbem-12627	46	10	transactions	transaction	NOUN
fbem-12627	46	11	can	can	AUX
fbem-12627	46	12	provide	provide	VERB
fbem-12627	46	13	a	a	DET
fbem-12627	46	14	competitive	competitive	ADJ
fbem-12627	46	15	advantage	advantage	NOUN
fbem-12627	46	16	,	,	PUNCT
fbem-12627	46	17	making	make	VERB
fbem-12627	46	18	fintech	fintech	NOUN
fbem-12627	46	19	firms	firm	NOUN
fbem-12627	46	20	more	more	ADV
fbem-12627	46	21	appealing	appealing	ADJ
fbem-12627	46	22	to	to	ADP
fbem-12627	46	23	users	user	NOUN
fbem-12627	46	24	seeking	seek	VERB
fbem-12627	46	25	cost	cost	NOUN
fbem-12627	46	26	-	-	PUNCT
fbem-12627	46	27	effective	effective	ADJ
fbem-12627	46	28	international	international	ADJ
fbem-12627	46	29	money	money	NOUN
fbem-12627	46	30	transfer	transfer	NOUN
fbem-12627	46	31	options	option	NOUN
fbem-12627	46	32	.	.	PUNCT
fbem-12627	47	1	additionally	additionally	ADV
fbem-12627	47	2	,	,	PUNCT
fbem-12627	47	3	fintech	fintech	NOUN
fbem-12627	47	4	firms	firm	NOUN
fbem-12627	47	5	integrate	integrate	VERB
fbem-12627	47	6	blockchain	blockchain	NOUN
fbem-12627	47	7	to	to	PART
fbem-12627	47	8	diversify	diversify	VERB
fbem-12627	47	9	their	their	PRON
fbem-12627	47	10	product	product	NOUN
fbem-12627	47	11	offerings	offering	NOUN
fbem-12627	47	12	and	and	CCONJ
fbem-12627	47	13	enhance	enhance	VERB
fbem-12627	47	14	their	their	PRON
fbem-12627	47	15	revenue	revenue	NOUN
fbem-12627	47	16	streams	stream	NOUN
fbem-12627	47	17	.	.	PUNCT
fbem-12627	48	1	according	accord	VERB
fbem-12627	48	2	to	to	ADP
fbem-12627	48	3	a	a	DET
fbem-12627	48	4	study	study	NOUN
fbem-12627	48	5	by	by	ADP
fbem-12627	48	6	(	(	PUNCT
fbem-12627	48	7	jensen	jensen	PROPN
fbem-12627	48	8	et	et	PROPN
fbem-12627	48	9	al	al	PROPN
fbem-12627	48	10	.	.	PROPN
fbem-12627	48	11	,	,	PUNCT
fbem-12627	48	12	2021	2021	NUM
fbem-12627	48	13	)	)	PUNCT
fbem-12627	48	14	,	,	PUNCT
fbem-12627	48	15	incorporating	incorporate	VERB
fbem-12627	48	16	blockchain	blockchain	PROPN
fbem-12627	48	17	technology	technology	PROPN
fbem-12627	48	18	,	,	PUNCT
fbem-12627	48	19	they	they	PRON
fbem-12627	48	20	can	can	AUX
fbem-12627	48	21	introduce	introduce	VERB
fbem-12627	48	22	innovative	innovative	ADJ
fbem-12627	48	23	financial	financial	ADJ
fbem-12627	48	24	products	product	NOUN
fbem-12627	48	25	such	such	ADJ
fbem-12627	48	26	as	as	ADP
fbem-12627	48	27	decentralized	decentralize	VERB
fbem-12627	48	28	finance	finance	NOUN
fbem-12627	48	29	(	(	PUNCT
fbem-12627	48	30	defi	defi	NOUN
fbem-12627	48	31	)	)	PUNCT
fbem-12627	48	32	lending	lending	NOUN
fbem-12627	48	33	and	and	CCONJ
fbem-12627	48	34	staking	staking	NOUN
fbem-12627	48	35	.	.	PUNCT
fbem-12627	49	1	these	these	DET
fbem-12627	49	2	new	new	ADJ
fbem-12627	49	3	services	service	NOUN
fbem-12627	49	4	appeal	appeal	VERB
fbem-12627	49	5	to	to	ADP
fbem-12627	49	6	users	user	NOUN
fbem-12627	49	7	seeking	seek	VERB
fbem-12627	49	8	higher	high	ADJ
fbem-12627	49	9	yields	yield	NOUN
fbem-12627	49	10	and	and	CCONJ
fbem-12627	49	11	generate	generate	VERB
fbem-12627	49	12	income	income	NOUN
fbem-12627	49	13	through	through	ADP
fbem-12627	49	14	fees	fee	NOUN
fbem-12627	49	15	and	and	CCONJ
fbem-12627	49	16	interest	interest	NOUN
fbem-12627	49	17	.	.	PUNCT
fbem-12627	50	1	a	a	DET
fbem-12627	50	2	study	study	NOUN
fbem-12627	50	3	by	by	ADP
fbem-12627	50	4	(	(	PUNCT
fbem-12627	50	5	carter	carter	PROPN
fbem-12627	50	6	&	&	CCONJ
fbem-12627	50	7	jeng	jeng	PROPN
fbem-12627	50	8	,	,	PUNCT
fbem-12627	50	9	2021	2021	NUM
fbem-12627	50	10	)	)	PUNCT
fbem-12627	50	11	explains	explain	VERB
fbem-12627	50	12	that	that	SCONJ
fbem-12627	50	13	as	as	SCONJ
fbem-12627	50	14	the	the	DET
fbem-12627	50	15	demand	demand	NOUN
fbem-12627	50	16	for	for	ADP
fbem-12627	50	17	defi	defi	NOUN
fbem-12627	50	18	and	and	CCONJ
fbem-12627	50	19	blockchain	blockchain	PROPN
fbem-12627	50	20	-	-	PUNCT
fbem-12627	50	21	based	base	VERB
fbem-12627	50	22	financial	financial	ADJ
fbem-12627	50	23	services	service	NOUN
fbem-12627	50	24	continues	continue	VERB
fbem-12627	50	25	to	to	PART
fbem-12627	50	26	grow	grow	VERB
fbem-12627	50	27	,	,	PUNCT
fbem-12627	50	28	fintech	fintech	NOUN
fbem-12627	50	29	firms	firm	NOUN
fbem-12627	50	30	have	have	VERB
fbem-12627	50	31	the	the	DET
fbem-12627	50	32	opportunity	opportunity	NOUN
fbem-12627	50	33	to	to	PART
fbem-12627	50	34	capture	capture	VERB
fbem-12627	50	35	a	a	DET
fbem-12627	50	36	larger	large	ADJ
fbem-12627	50	37	share	share	NOUN
fbem-12627	50	38	of	of	ADP
fbem-12627	50	39	the	the	DET
fbem-12627	50	40	market	market	NOUN
fbem-12627	50	41	and	and	CCONJ
fbem-12627	50	42	bolster	bolster	VERB
fbem-12627	50	43	their	their	PRON
fbem-12627	50	44	revenue	revenue	NOUN
fbem-12627	50	45	through	through	ADP
fbem-12627	50	46	these	these	DET
fbem-12627	50	47	value	value	NOUN
fbem-12627	50	48	-	-	PUNCT
fbem-12627	50	49	added	add	VERB
fbem-12627	50	50	offerings	offering	NOUN
fbem-12627	50	51	.	.	PUNCT
fbem-12627	51	1	there	there	PRON
fbem-12627	51	2	are	be	VERB
fbem-12627	51	3	some	some	DET
fbem-12627	51	4	key	key	ADJ
fbem-12627	51	5	findings	finding	NOUN
fbem-12627	51	6	.	.	PUNCT
fbem-12627	52	1	firstly	firstly	ADV
fbem-12627	52	2	,	,	PUNCT
fbem-12627	52	3	a	a	DET
fbem-12627	52	4	study	study	NOUN
fbem-12627	52	5	by	by	ADP
fbem-12627	52	6	(	(	PUNCT
fbem-12627	52	7	zarrouk	zarrouk	INTJ
fbem-12627	52	8	et	et	PROPN
fbem-12627	52	9	al	al	PROPN
fbem-12627	52	10	.	.	PROPN
fbem-12627	52	11	,	,	PUNCT
fbem-12627	52	12	2021	2021	NUM
fbem-12627	52	13	)	)	PUNCT
fbem-12627	52	14	found	find	VERB
fbem-12627	52	15	that	that	SCONJ
fbem-12627	52	16	fintech	fintech	NOUN
fbem-12627	52	17	firms	firm	NOUN
fbem-12627	52	18	leveraging	leverage	VERB
fbem-12627	52	19	blockchain	blockchain	NOUN
fbem-12627	52	20	for	for	ADP
fbem-12627	52	21	asset	asset	NOUN
fbem-12627	52	22	tokenization	tokenization	NOUN
fbem-12627	52	23	reported	report	VERB
fbem-12627	52	24	a	a	DET
fbem-12627	52	25	30	30	NUM
fbem-12627	52	26	%	%	NOUN
fbem-12627	52	27	increase	increase	NOUN
fbem-12627	52	28	in	in	ADP
fbem-12627	52	29	revenue	revenue	NOUN
fbem-12627	52	30	due	due	ADP
fbem-12627	52	31	to	to	ADP
fbem-12627	52	32	expanded	expand	VERB
fbem-12627	52	33	access	access	NOUN
fbem-12627	52	34	to	to	ADP
fbem-12627	52	35	global	global	ADJ
fbem-12627	52	36	investors	investor	NOUN
fbem-12627	52	37	.	.	PUNCT
fbem-12627	53	1	then	then	ADV
fbem-12627	53	2	,	,	PUNCT
fbem-12627	53	3	(	(	PUNCT
fbem-12627	53	4	wang	wang	PROPN
fbem-12627	53	5	et	et	PROPN
fbem-12627	53	6	al	al	PROPN
fbem-12627	53	7	.	.	PROPN
fbem-12627	53	8	,	,	PUNCT
fbem-12627	53	9	2019	2019	NUM
fbem-12627	53	10	)	)	PUNCT
fbem-12627	53	11	observed	observe	VERB
fbem-12627	53	12	that	that	SCONJ
fbem-12627	53	13	blockchain	blockchain	PROPN
fbem-12627	53	14	-	-	PUNCT
fbem-12627	53	15	enabled	enable	VERB
fbem-12627	53	16	cross	cross	ADJ
fbem-12627	53	17	-	-	ADJ
fbem-12627	53	18	border	border	ADJ
fbem-12627	53	19	payment	payment	NOUN
fbem-12627	53	20	solutions	solution	NOUN
fbem-12627	53	21	reduced	reduce	VERB
fbem-12627	53	22	transaction	transaction	NOUN
fbem-12627	53	23	costs	cost	NOUN
fbem-12627	53	24	by	by	ADP
fbem-12627	53	25	up	up	ADP
fbem-12627	53	26	to	to	PART
fbem-12627	53	27	60	60	NUM
fbem-12627	53	28	%	%	NOUN
fbem-12627	53	29	,	,	PUNCT
fbem-12627	53	30	leading	lead	VERB
fbem-12627	53	31	to	to	ADP
fbem-12627	53	32	increased	increase	VERB
fbem-12627	53	33	transaction	transaction	NOUN
fbem-12627	53	34	volume	volume	NOUN
fbem-12627	53	35	and	and	CCONJ
fbem-12627	53	36	revenue	revenue	NOUN
fbem-12627	53	37	growth	growth	NOUN
fbem-12627	53	38	.	.	PUNCT
fbem-12627	54	1	3.2	3.2	NUM
fbem-12627	54	2	.	.	PUNCT
fbem-12627	55	1	cost	cost	NOUN
fbem-12627	55	2	reduction	reduction	NOUN
fbem-12627	55	3	blockchain	blockchain	NOUN
fbem-12627	55	4	adoption	adoption	NOUN
fbem-12627	55	5	in	in	ADP
fbem-12627	55	6	fintech	fintech	NOUN
fbem-12627	55	7	holds	hold	VERB
fbem-12627	55	8	the	the	DET
fbem-12627	55	9	potential	potential	NOUN
fbem-12627	55	10	to	to	PART
fbem-12627	55	11	significantly	significantly	ADV
fbem-12627	55	12	streamline	streamline	VERB
fbem-12627	55	13	operations	operation	NOUN
fbem-12627	55	14	and	and	CCONJ
fbem-12627	55	15	drive	drive	VERB
fbem-12627	55	16	cost	cost	NOUN
fbem-12627	55	17	reductions	reduction	NOUN
fbem-12627	55	18	(	(	PUNCT
fbem-12627	55	19	sonawane	sonawane	NOUN
fbem-12627	55	20	&	&	CCONJ
fbem-12627	55	21	motwani	motwani	PROPN
fbem-12627	55	22	,	,	PUNCT
fbem-12627	55	23	2023	2023	NUM
fbem-12627	55	24	)	)	PUNCT
fbem-12627	55	25	.	.	PUNCT
fbem-12627	56	1	this	this	PRON
fbem-12627	56	2	is	be	AUX
fbem-12627	56	3	achieved	achieve	VERB
fbem-12627	56	4	through	through	ADP
fbem-12627	56	5	various	various	ADJ
fbem-12627	56	6	key	key	ADJ
fbem-12627	56	7	mechanisms	mechanism	NOUN
fbem-12627	56	8	:	:	PUNCT
fbem-12627	56	9	firstly	firstly	ADV
fbem-12627	56	10	,	,	PUNCT
fbem-12627	56	11	blockchain	blockchain	PROPN
fbem-12627	56	12	's	's	PART
fbem-12627	56	13	elimination	elimination	NOUN
fbem-12627	56	14	of	of	ADP
fbem-12627	56	15	intermediaries	intermediary	NOUN
fbem-12627	56	16	,	,	PUNCT
fbem-12627	56	17	such	such	ADJ
fbem-12627	56	18	as	as	ADP
fbem-12627	56	19	clearinghouses	clearinghouse	NOUN
fbem-12627	56	20	and	and	CCONJ
fbem-12627	56	21	correspondent	correspondent	NOUN
fbem-12627	56	22	banks	bank	NOUN
fbem-12627	56	23	,	,	PUNCT
fbem-12627	56	24	results	result	NOUN
fbem-12627	56	25	in	in	ADP
fbem-12627	56	26	a	a	DET
fbem-12627	56	27	reduction	reduction	NOUN
fbem-12627	56	28	of	of	ADP
fbem-12627	56	29	transactional	transactional	ADJ
fbem-12627	56	30	overhead	overhead	ADV
fbem-12627	56	31	.	.	PUNCT
fbem-12627	57	1	these	these	DET
fbem-12627	57	2	cost	cost	NOUN
fbem-12627	57	3	savings	saving	NOUN
fbem-12627	57	4	can	can	AUX
fbem-12627	57	5	be	be	AUX
fbem-12627	57	6	channeled	channel	VERB
fbem-12627	57	7	to	to	PART
fbem-12627	57	8	benefit	benefit	VERB
fbem-12627	57	9	customers	customer	NOUN
fbem-12627	57	10	directly	directly	ADV
fbem-12627	57	11	or	or	CCONJ
fbem-12627	57	12	reinvested	reinveste	VERB
fbem-12627	57	13	in	in	ADP
fbem-12627	57	14	fueling	fuel	VERB
fbem-12627	57	15	further	further	ADJ
fbem-12627	57	16	growth	growth	NOUN
fbem-12627	57	17	and	and	CCONJ
fbem-12627	57	18	innovation	innovation	NOUN
fbem-12627	57	19	within	within	ADP
fbem-12627	57	20	fintech	fintech	NOUN
fbem-12627	57	21	firms	firm	NOUN
fbem-12627	57	22	.	.	PUNCT
fbem-12627	58	1	secondly	secondly	ADV
fbem-12627	58	2	,	,	PUNCT
fbem-12627	58	3	the	the	DET
fbem-12627	58	4	automation	automation	NOUN
fbem-12627	58	5	of	of	ADP
fbem-12627	58	6	complex	complex	ADJ
fbem-12627	58	7	financial	financial	ADJ
fbem-12627	58	8	processes	process	NOUN
fbem-12627	58	9	through	through	ADP
fbem-12627	58	10	smart	smart	ADJ
fbem-12627	58	11	contracts	contract	NOUN
fbem-12627	58	12	plays	play	VERB
fbem-12627	58	13	a	a	DET
fbem-12627	58	14	pivotal	pivotal	ADJ
fbem-12627	58	15	role	role	NOUN
fbem-12627	58	16	in	in	ADP
fbem-12627	58	17	reducing	reduce	VERB
fbem-12627	58	18	the	the	DET
fbem-12627	58	19	need	need	NOUN
fbem-12627	58	20	for	for	ADP
fbem-12627	58	21	manual	manual	ADJ
fbem-12627	58	22	intervention	intervention	NOUN
fbem-12627	58	23	,	,	PUNCT
fbem-12627	58	24	consequently	consequently	ADV
fbem-12627	58	25	minimizing	minimize	VERB
fbem-12627	58	26	errors	error	NOUN
fbem-12627	58	27	and	and	CCONJ
fbem-12627	58	28	operational	operational	ADJ
fbem-12627	58	29	costs	cost	NOUN
fbem-12627	58	30	(	(	PUNCT
fbem-12627	58	31	cuccuru	cuccuru	NOUN
fbem-12627	58	32	,	,	PUNCT
fbem-12627	58	33	2017	2017	NUM
fbem-12627	58	34	)	)	PUNCT
fbem-12627	58	35	.	.	PUNCT
fbem-12627	59	1	lastly	lastly	ADV
fbem-12627	59	2	,	,	PUNCT
fbem-12627	59	3	according	accord	VERB
fbem-12627	59	4	to	to	ADP
fbem-12627	59	5	(	(	PUNCT
fbem-12627	59	6	lukonga	lukonga	ADV
fbem-12627	59	7	,	,	PUNCT
fbem-12627	59	8	2018	2018	NUM
fbem-12627	59	9	)	)	PUNCT
fbem-12627	59	10	,	,	PUNCT
fbem-12627	59	11	blockchain	blockchain	PROPN
fbem-12627	59	12	's	's	PART
fbem-12627	59	13	robust	robust	ADJ
fbem-12627	59	14	security	security	NOUN
fbem-12627	59	15	features	feature	NOUN
fbem-12627	59	16	have	have	VERB
fbem-12627	59	17	the	the	DET
fbem-12627	59	18	potential	potential	NOUN
fbem-12627	59	19	to	to	PART
fbem-12627	59	20	curtail	curtail	VERB
fbem-12627	59	21	the	the	DET
fbem-12627	59	22	expenses	expense	NOUN
fbem-12627	59	23	associated	associate	VERB
fbem-12627	59	24	with	with	ADP
fbem-12627	59	25	cybersecurity	cybersecurity	NOUN
fbem-12627	59	26	measures	measure	NOUN
fbem-12627	59	27	and	and	CCONJ
fbem-12627	59	28	the	the	DET
fbem-12627	59	29	aftermath	aftermath	NOUN
fbem-12627	59	30	of	of	ADP
fbem-12627	59	31	data	datum	NOUN
fbem-12627	59	32	breaches	breach	NOUN
fbem-12627	59	33	,	,	PUNCT
fbem-12627	59	34	thereby	thereby	ADV
fbem-12627	59	35	safeguarding	safeguard	VERB
fbem-12627	59	36	both	both	CCONJ
fbem-12627	59	37	fintech	fintech	NOUN
fbem-12627	59	38	firms	firm	NOUN
fbem-12627	59	39	and	and	CCONJ
fbem-12627	59	40	their	their	PRON
fbem-12627	59	41	customers	customer	NOUN
fbem-12627	59	42	while	while	SCONJ
fbem-12627	59	43	simultaneously	simultaneously	ADV
fbem-12627	59	44	alleviating	alleviate	VERB
fbem-12627	59	45	financial	financial	ADJ
fbem-12627	59	46	burdens	burden	NOUN
fbem-12627	59	47	related	relate	VERB
fbem-12627	59	48	to	to	ADP
fbem-12627	59	49	security	security	NOUN
fbem-12627	59	50	.	.	PUNCT
fbem-12627	60	1	there	there	PRON
fbem-12627	60	2	are	be	VERB
fbem-12627	60	3	some	some	DET
fbem-12627	60	4	key	key	ADJ
fbem-12627	60	5	findings	finding	NOUN
fbem-12627	60	6	.	.	PUNCT
fbem-12627	61	1	for	for	ADP
fbem-12627	61	2	example	example	NOUN
fbem-12627	61	3	,	,	PUNCT
fbem-12627	61	4	a	a	DET
fbem-12627	61	5	study	study	NOUN
fbem-12627	61	6	by	by	ADP
fbem-12627	61	7	(	(	PUNCT
fbem-12627	61	8	unal	unal	PROPN
fbem-12627	61	9	&	&	CCONJ
fbem-12627	61	10	aysan	aysan	ADJ
fbem-12627	61	11	,	,	PUNCT
fbem-12627	61	12	2022	2022	NUM
fbem-12627	61	13	)	)	PUNCT
fbem-12627	61	14	demonstrated	demonstrate	VERB
fbem-12627	61	15	that	that	SCONJ
fbem-12627	61	16	blockchain	blockchain	PROPN
fbem-12627	61	17	adoption	adoption	NOUN
fbem-12627	61	18	in	in	ADP
fbem-12627	61	19	fintech	fintech	NOUN
fbem-12627	61	20	led	lead	VERB
fbem-12627	61	21	to	to	ADP
fbem-12627	61	22	a	a	DET
fbem-12627	61	23	40	40	NUM
fbem-12627	61	24	%	%	NOUN
fbem-12627	61	25	reduction	reduction	NOUN
fbem-12627	61	26	in	in	ADP
fbem-12627	61	27	operational	operational	ADJ
fbem-12627	61	28	costs	cost	NOUN
fbem-12627	61	29	by	by	ADP
fbem-12627	61	30	automating	automate	VERB
fbem-12627	61	31	compliance	compliance	NOUN
fbem-12627	61	32	processes	process	NOUN
fbem-12627	61	33	through	through	ADP
fbem-12627	61	34	smart	smart	ADJ
fbem-12627	61	35	contracts	contract	NOUN
fbem-12627	61	36	.	.	PUNCT
fbem-12627	62	1	otherwise	otherwise	ADV
fbem-12627	62	2	,	,	PUNCT
fbem-12627	62	3	research	research	NOUN
fbem-12627	62	4	by	by	ADP
fbem-12627	62	5	(	(	PUNCT
fbem-12627	62	6	cai	cai	X
fbem-12627	62	7	,	,	PUNCT
fbem-12627	62	8	2018	2018	NUM
fbem-12627	62	9	)	)	PUNCT
fbem-12627	62	10	highlighted	highlight	VERB
fbem-12627	62	11	that	that	SCONJ
fbem-12627	62	12	the	the	DET
fbem-12627	62	13	elimination	elimination	NOUN
fbem-12627	62	14	of	of	ADP
fbem-12627	62	15	intermediary	intermediary	ADJ
fbem-12627	62	16	banks	bank	NOUN
fbem-12627	62	17	reduced	reduce	VERB
fbem-12627	62	18	transaction	transaction	NOUN
fbem-12627	62	19	fees	fee	NOUN
fbem-12627	62	20	by	by	ADP
fbem-12627	62	21	70	70	NUM
fbem-12627	62	22	%	%	NOUN
fbem-12627	62	23	for	for	ADP
fbem-12627	62	24	fintech	fintech	NOUN
fbem-12627	62	25	firms	firm	NOUN
fbem-12627	62	26	using	use	VERB
fbem-12627	62	27	blockchain	blockchain	PROPN
fbem-12627	62	28	.	.	PUNCT
fbem-12627	63	1	3.3	3.3	NUM
fbem-12627	63	2	.	.	PUNCT
fbem-12627	64	1	market	market	NOUN
fbem-12627	64	2	share	share	NOUN
fbem-12627	64	3	and	and	CCONJ
fbem-12627	64	4	competition	competition	VERB
fbem-12627	64	5	the	the	DET
fbem-12627	64	6	integration	integration	NOUN
fbem-12627	64	7	of	of	ADP
fbem-12627	64	8	blockchain	blockchain	PROPN
fbem-12627	64	9	technology	technology	PROPN
fbem-12627	64	10	profoundly	profoundly	ADV
fbem-12627	64	11	transforms	transform	VERB
fbem-12627	64	12	the	the	DET
fbem-12627	64	13	competitive	competitive	ADJ
fbem-12627	64	14	dynamics	dynamic	NOUN
fbem-12627	64	15	within	within	ADP
fbem-12627	64	16	the	the	DET
fbem-12627	64	17	fintech	fintech	NOUN
fbem-12627	64	18	sector	sector	NOUN
fbem-12627	64	19	across	across	ADP
fbem-12627	64	20	several	several	ADJ
fbem-12627	64	21	dimensions	dimension	NOUN
fbem-12627	64	22	(	(	PUNCT
fbem-12627	64	23	mărăcine	mărăcine	NOUN
fbem-12627	64	24	et	et	PROPN
fbem-12627	64	25	al	al	PROPN
fbem-12627	64	26	.	.	PROPN
fbem-12627	64	27	,	,	PUNCT
fbem-12627	64	28	2020	2020	NUM
fbem-12627	64	29	)	)	PUNCT
fbem-12627	64	30	.	.	PUNCT
fbem-12627	65	1	to	to	PART
fbem-12627	65	2	begin	begin	VERB
fbem-12627	65	3	,	,	PUNCT
fbem-12627	65	4	it	it	PRON
fbem-12627	65	5	bolsters	bolster	VERB
fbem-12627	65	6	their	their	PRON
fbem-12627	65	7	competitive	competitive	ADJ
fbem-12627	65	8	edge	edge	NOUN
fbem-12627	65	9	by	by	ADP
fbem-12627	65	10	enabling	enable	VERB
fbem-12627	65	11	the	the	DET
fbem-12627	65	12	delivery	delivery	NOUN
fbem-12627	65	13	of	of	ADP
fbem-12627	65	14	swifter	swifter	NOUN
fbem-12627	65	15	,	,	PUNCT
fbem-12627	65	16	more	more	ADV
fbem-12627	65	17	secure	secure	ADJ
fbem-12627	65	18	,	,	PUNCT
fbem-12627	65	19	and	and	CCONJ
fbem-12627	65	20	cost	cost	NOUN
fbem-12627	65	21	-	-	PUNCT
fbem-12627	65	22	efficient	efficient	ADJ
fbem-12627	65	23	services	service	NOUN
fbem-12627	65	24	,	,	PUNCT
fbem-12627	65	25	firmly	firmly	ADV
fbem-12627	65	26	establishing	establish	VERB
fbem-12627	65	27	them	they	PRON
fbem-12627	65	28	as	as	ADP
fbem-12627	65	29	formidable	formidable	ADJ
fbem-12627	65	30	contenders	contender	NOUN
fbem-12627	65	31	in	in	ADP
fbem-12627	65	32	the	the	DET
fbem-12627	65	33	field	field	NOUN
fbem-12627	65	34	.	.	PUNCT
fbem-12627	66	1	secondly	secondly	ADV
fbem-12627	66	2	,	,	PUNCT
fbem-12627	66	3	the	the	DET
fbem-12627	66	4	disruptive	disruptive	ADJ
fbem-12627	66	5	nature	nature	NOUN
fbem-12627	66	6	of	of	ADP
fbem-12627	66	7	blockchain	blockchain	PROPN
fbem-12627	66	8	technology	technology	PROPN
fbem-12627	66	9	challenges	challenge	VERB
fbem-12627	66	10	the	the	DET
fbem-12627	66	11	established	establish	VERB
fbem-12627	66	12	market	market	NOUN
fbem-12627	66	13	supremacy	supremacy	NOUN
fbem-12627	66	14	of	of	ADP
fbem-12627	66	15	conventional	conventional	ADJ
fbem-12627	66	16	financial	financial	ADJ
fbem-12627	66	17	intermediaries	intermediary	NOUN
fbem-12627	66	18	.	.	PUNCT
fbem-12627	67	1	this	this	DET
fbem-12627	67	2	presents	present	NOUN
fbem-12627	67	3	fintech	fintech	NOUN
fbem-12627	67	4	enterprises	enterprise	NOUN
fbem-12627	67	5	with	with	ADP
fbem-12627	67	6	opportunities	opportunity	NOUN
fbem-12627	67	7	to	to	PART
fbem-12627	67	8	capture	capture	VERB
fbem-12627	67	9	substantial	substantial	ADJ
fbem-12627	67	10	market	market	NOUN
fbem-12627	67	11	presence	presence	NOUN
fbem-12627	67	12	by	by	ADP
fbem-12627	67	13	leveraging	leverage	VERB
fbem-12627	67	14	this	this	DET
fbem-12627	67	15	disruptive	disruptive	ADJ
fbem-12627	67	16	potential	potential	NOUN
fbem-12627	67	17	.	.	PUNCT
fbem-12627	68	1	lastly	lastly	ADV
fbem-12627	68	2	,	,	PUNCT
fbem-12627	68	3	fintech	fintech	NOUN
fbem-12627	68	4	firms	firm	NOUN
fbem-12627	68	5	routinely	routinely	ADV
fbem-12627	68	6	forge	forge	VERB
fbem-12627	68	7	alliances	alliance	NOUN
fbem-12627	68	8	and	and	CCONJ
fbem-12627	68	9	affiliations	affiliation	NOUN
fbem-12627	68	10	with	with	ADP
fbem-12627	68	11	emerging	emerge	VERB
fbem-12627	68	12	blockchain	blockchain	NOUN
fbem-12627	68	13	startups	startup	NOUN
fbem-12627	68	14	as	as	ADV
fbem-12627	68	15	well	well	ADV
fbem-12627	68	16	as	as	ADP
fbem-12627	68	17	established	establish	VERB
fbem-12627	68	18	blockchain	blockchain	PROPN
fbem-12627	68	19	platforms	platform	NOUN
fbem-12627	68	20	(	(	PUNCT
fbem-12627	68	21	gomber	gomber	PROPN
fbem-12627	68	22	et	et	PROPN
fbem-12627	68	23	al	al	PROPN
fbem-12627	68	24	.	.	PROPN
fbem-12627	68	25	,	,	PUNCT
fbem-12627	68	26	2017	2017	NUM
fbem-12627	68	27	)	)	PUNCT
fbem-12627	68	28	.	.	PUNCT
fbem-12627	69	1	this	this	DET
fbem-12627	69	2	strategic	strategic	ADJ
fbem-12627	69	3	approach	approach	NOUN
fbem-12627	69	4	effectively	effectively	ADV
fbem-12627	69	5	broadens	broaden	VERB
fbem-12627	69	6	their	their	PRON
fbem-12627	69	7	range	range	NOUN
fbem-12627	69	8	of	of	ADP
fbem-12627	69	9	services	service	NOUN
fbem-12627	69	10	and	and	CCONJ
fbem-12627	69	11	fosters	foster	VERB
fbem-12627	69	12	mutually	mutually	ADV
fbem-12627	69	13	advantageous	advantageous	ADJ
fbem-12627	69	14	relationships	relationship	NOUN
fbem-12627	69	15	that	that	PRON
fbem-12627	69	16	fuel	fuel	VERB
fbem-12627	69	17	their	their	PRON
fbem-12627	69	18	expansion	expansion	NOUN
fbem-12627	69	19	and	and	CCONJ
fbem-12627	69	20	competitiveness	competitiveness	NOUN
fbem-12627	69	21	within	within	ADP
fbem-12627	69	22	the	the	DET
fbem-12627	69	23	ever	ever	ADV
fbem-12627	69	24	-	-	PUNCT
fbem-12627	69	25	evolving	evolve	VERB
fbem-12627	69	26	financial	financial	ADJ
fbem-12627	69	27	technology	technology	NOUN
fbem-12627	69	28	landscape	landscape	NOUN
fbem-12627	69	29	.	.	PUNCT
fbem-12627	70	1	there	there	PRON
fbem-12627	70	2	are	be	VERB
fbem-12627	70	3	some	some	DET
fbem-12627	70	4	key	key	ADJ
fbem-12627	70	5	findings	finding	NOUN
fbem-12627	70	6	.	.	PUNCT
fbem-12627	71	1	(	(	PUNCT
fbem-12627	71	2	pollari	pollari	NOUN
fbem-12627	71	3	,	,	PUNCT
fbem-12627	71	4	2016	2016	NUM
fbem-12627	71	5	)	)	PUNCT
fbem-12627	71	6	found	find	VERB
fbem-12627	71	7	that	that	SCONJ
fbem-12627	71	8	fintech	fintech	NOUN
fbem-12627	71	9	firms	firm	NOUN
fbem-12627	71	10	collaborating	collaborate	VERB
fbem-12627	71	11	with	with	ADP
fbem-12627	71	12	blockchain	blockchain	PROPN
fbem-12627	71	13	startups	startup	NOUN
fbem-12627	71	14	experienced	experience	VERB
fbem-12627	71	15	a	a	DET
fbem-12627	71	16	15	15	NUM
fbem-12627	71	17	%	%	NOUN
fbem-12627	71	18	increase	increase	NOUN
fbem-12627	71	19	in	in	ADP
fbem-12627	71	20	market	market	NOUN
fbem-12627	71	21	share	share	NOUN
fbem-12627	71	22	within	within	ADP
fbem-12627	71	23	their	their	PRON
fbem-12627	71	24	respective	respective	ADJ
fbem-12627	71	25	niches	niche	NOUN
fbem-12627	71	26	.	.	PUNCT
fbem-12627	72	1	otherwise	otherwise	ADV
fbem-12627	72	2	,	,	PUNCT
fbem-12627	72	3	a	a	DET
fbem-12627	72	4	study	study	NOUN
fbem-12627	72	5	by	by	ADP
fbem-12627	72	6	(	(	PUNCT
fbem-12627	72	7	sonawane	sonawane	PROPN
fbem-12627	72	8	&	&	CCONJ
fbem-12627	72	9	motwani	motwani	PROPN
fbem-12627	72	10	,	,	PUNCT
fbem-12627	72	11	2023	2023	NUM
fbem-12627	72	12	)	)	PUNCT
fbem-12627	72	13	revealed	reveal	VERB
fbem-12627	72	14	that	that	SCONJ
fbem-12627	72	15	blockchain	blockchain	NOUN
fbem-12627	72	16	-	-	PUNCT
fbem-12627	72	17	driven	drive	VERB
fbem-12627	72	18	fintech	fintech	NOUN
fbem-12627	72	19	services	service	NOUN
fbem-12627	72	20	disrupted	disrupt	VERB
fbem-12627	72	21	traditional	traditional	ADJ
fbem-12627	72	22	financial	financial	ADJ
fbem-12627	72	23	players	player	NOUN
fbem-12627	72	24	,	,	PUNCT
fbem-12627	72	25	allowing	allow	VERB
fbem-12627	72	26	fintech	fintech	NOUN
fbem-12627	72	27	firms	firm	NOUN
fbem-12627	72	28	to	to	PART
fbem-12627	72	29	capture	capture	VERB
fbem-12627	72	30	a	a	DET
fbem-12627	72	31	significant	significant	ADJ
fbem-12627	72	32	portion	portion	NOUN
fbem-12627	72	33	of	of	ADP
fbem-12627	72	34	market	market	NOUN
fbem-12627	72	35	share	share	NOUN
fbem-12627	72	36	.	.	PUNCT
fbem-12627	73	1	3.4	3.4	NUM
fbem-12627	73	2	.	.	PUNCT
fbem-12627	73	3	profitability	profitability	NOUN
fbem-12627	73	4	and	and	CCONJ
fbem-12627	73	5	risk	risk	NOUN
fbem-12627	73	6	management	management	NOUN
fbem-12627	73	7	according	accord	VERB
fbem-12627	73	8	to	to	ADP
fbem-12627	73	9	(	(	PUNCT
fbem-12627	73	10	singh	singh	PROPN
fbem-12627	73	11	et	et	PROPN
fbem-12627	73	12	al	al	PROPN
fbem-12627	73	13	.	.	PROPN
fbem-12627	73	14	,	,	PUNCT
fbem-12627	73	15	2021	2021	NUM
fbem-12627	73	16	)	)	PUNCT
fbem-12627	74	1	,	,	PUNCT
fbem-12627	74	2	blockchain	blockchain	PROPN
fbem-12627	74	3	technology	technology	PROPN
fbem-12627	74	4	has	have	VERB
fbem-12627	74	5	a	a	DET
fbem-12627	74	6	profound	profound	ADJ
fbem-12627	74	7	impact	impact	NOUN
fbem-12627	74	8	on	on	ADP
fbem-12627	74	9	the	the	DET
fbem-12627	74	10	profitability	profitability	NOUN
fbem-12627	74	11	and	and	CCONJ
fbem-12627	74	12	risk	risk	NOUN
fbem-12627	74	13	management	management	NOUN
fbem-12627	74	14	strategies	strategy	NOUN
fbem-12627	74	15	of	of	ADP
fbem-12627	74	16	fintech	fintech	NOUN
fbem-12627	74	17	companies	company	NOUN
fbem-12627	74	18	.	.	PUNCT
fbem-12627	75	1	initially	initially	ADV
fbem-12627	75	2	,	,	PUNCT
fbem-12627	75	3	by	by	ADP
fbem-12627	75	4	reducing	reduce	VERB
fbem-12627	75	5	operational	operational	ADJ
fbem-12627	75	6	costs	cost	NOUN
fbem-12627	75	7	and	and	CCONJ
fbem-12627	75	8	expanding	expand	VERB
fbem-12627	75	9	revenue	revenue	NOUN
fbem-12627	75	10	streams	stream	NOUN
fbem-12627	75	11	,	,	PUNCT
fbem-12627	75	12	fintech	fintech	NOUN
fbem-12627	75	13	firms	firm	NOUN
fbem-12627	75	14	that	that	PRON
fbem-12627	75	15	adopt	adopt	VERB
fbem-12627	75	16	blockchain	blockchain	NOUN
fbem-12627	75	17	can	can	AUX
fbem-12627	75	18	achieve	achieve	VERB
fbem-12627	75	19	higher	high	ADJ
fbem-12627	75	20	profit	profit	NOUN
fbem-12627	75	21	margins	margin	NOUN
fbem-12627	75	22	,	,	PUNCT
fbem-12627	75	23	thus	thus	ADV
fbem-12627	75	24	fortifying	fortify	VERB
fbem-12627	75	25	their	their	PRON
fbem-12627	75	26	overall	overall	ADJ
fbem-12627	75	27	profitability	profitability	NOUN
fbem-12627	75	28	.	.	PUNCT
fbem-12627	76	1	moreover	moreover	ADV
fbem-12627	76	2	,	,	PUNCT
fbem-12627	76	3	according	accord	VERB
fbem-12627	76	4	to	to	ADP
fbem-12627	76	5	a	a	DET
fbem-12627	76	6	study	study	NOUN
fbem-12627	76	7	by	by	ADP
fbem-12627	76	8	(	(	PUNCT
fbem-12627	76	9	gruchmann	gruchmann	PROPN
fbem-12627	76	10	&	&	CCONJ
fbem-12627	76	11	bischoff	bischoff	PROPN
fbem-12627	76	12	,	,	PUNCT
fbem-12627	76	13	2021	2021	NUM
fbem-12627	76	14	)	)	PUNCT
fbem-12627	76	15	,	,	PUNCT
fbem-12627	76	16	the	the	DET
fbem-12627	76	17	inherent	inherent	ADJ
fbem-12627	76	18	characteristics	characteristic	NOUN
fbem-12627	76	19	of	of	ADP
fbem-12627	76	20	blockchain	blockchain	NOUN
fbem-12627	76	21	,	,	PUNCT
fbem-12627	76	22	such	such	ADJ
fbem-12627	76	23	as	as	ADP
fbem-12627	76	24	transparency	transparency	NOUN
fbem-12627	76	25	and	and	CCONJ
fbem-12627	76	26	immutability	immutability	NOUN
fbem-12627	76	27	,	,	PUNCT
fbem-12627	76	28	assume	assume	VERB
fbem-12627	76	29	a	a	DET
fbem-12627	76	30	pivotal	pivotal	ADJ
fbem-12627	76	31	role	role	NOUN
fbem-12627	76	32	in	in	ADP
fbem-12627	76	33	enhancing	enhance	VERB
fbem-12627	76	34	risk	risk	NOUN
fbem-12627	76	35	mitigation	mitigation	NOUN
fbem-12627	76	36	endeavors	endeavor	NOUN
fbem-12627	76	37	.	.	PUNCT
fbem-12627	77	1	auditable	auditable	ADJ
fbem-12627	77	2	transaction	transaction	NOUN
fbem-12627	77	3	records	record	NOUN
fbem-12627	77	4	and	and	CCONJ
fbem-12627	77	5	automated	automate	VERB
fbem-12627	77	6	compliance	compliance	NOUN
fbem-12627	77	7	mechanisms	mechanism	NOUN
fbem-12627	77	8	diminish	diminish	VERB
fbem-12627	77	9	the	the	DET
fbem-12627	77	10	risk	risk	NOUN
fbem-12627	77	11	of	of	ADP
fbem-12627	77	12	fraud	fraud	NOUN
fbem-12627	77	13	and	and	CCONJ
fbem-12627	77	14	regulatory	regulatory	ADJ
fbem-12627	77	15	breaches	breach	NOUN
fbem-12627	77	16	,	,	PUNCT
fbem-12627	77	17	thereby	thereby	ADV
fbem-12627	77	18	bolstering	bolster	VERB
fbem-12627	77	19	the	the	DET
fbem-12627	77	20	firm	firm	NOUN
fbem-12627	77	21	's	's	PART
fbem-12627	77	22	risk	risk	NOUN
fbem-12627	77	23	management	management	NOUN
fbem-12627	77	24	capabilities	capability	NOUN
fbem-12627	77	25	.	.	PUNCT
fbem-12627	78	1	additionally	additionally	ADV
fbem-12627	78	2	,	,	PUNCT
fbem-12627	78	3	fintech	fintech	NOUN
fbem-12627	78	4	enterprises	enterprise	NOUN
fbem-12627	78	5	can	can	AUX
fbem-12627	78	6	employ	employ	VERB
fbem-12627	78	7	blockchain	blockchain	NOUN
fbem-12627	78	8	to	to	PART
fbem-12627	78	9	diversify	diversify	VERB
fbem-12627	78	10	their	their	PRON
fbem-12627	78	11	range	range	NOUN
fbem-12627	78	12	of	of	ADP
fbem-12627	78	13	products	product	NOUN
fbem-12627	78	14	,	,	PUNCT
fbem-12627	78	15	providing	provide	VERB
fbem-12627	78	16	clients	client	NOUN
fbem-12627	78	17	with	with	ADP
fbem-12627	78	18	opportunities	opportunity	NOUN
fbem-12627	78	19	for	for	ADP
fbem-12627	78	20	risk	risk	NOUN
fbem-12627	78	21	hedging	hedging	NOUN
fbem-12627	78	22	and	and	CCONJ
fbem-12627	78	23	investment	investment	NOUN
fbem-12627	78	24	diversification	diversification	NOUN
fbem-12627	78	25	.	.	PUNCT
fbem-12627	79	1	this	this	PRON
fbem-12627	79	2	further	far	ADV
fbem-12627	79	3	amplifies	amplify	VERB
fbem-12627	79	4	their	their	PRON
fbem-12627	79	5	capacity	capacity	NOUN
fbem-12627	79	6	to	to	PART
fbem-12627	79	7	effectively	effectively	ADV
fbem-12627	79	8	manage	manage	VERB
fbem-12627	79	9	risks	risk	NOUN
fbem-12627	79	10	and	and	CCONJ
fbem-12627	79	11	cater	cater	VERB
fbem-12627	79	12	to	to	ADP
fbem-12627	79	13	a	a	DET
fbem-12627	79	14	more	more	ADV
fbem-12627	79	15	extensive	extensive	ADJ
fbem-12627	79	16	array	array	NOUN
fbem-12627	79	17	of	of	ADP
fbem-12627	79	18	financial	financial	ADJ
fbem-12627	79	19	requirements	requirement	NOUN
fbem-12627	79	20	(	(	PUNCT
fbem-12627	79	21	stulz	stulz	ADJ
fbem-12627	79	22	,	,	PUNCT
fbem-12627	79	23	2019	2019	NUM
fbem-12627	79	24	)	)	PUNCT
fbem-12627	79	25	.	.	PUNCT
fbem-12627	80	1	in	in	ADP
fbem-12627	80	2	terms	term	NOUN
fbem-12627	80	3	of	of	ADP
fbem-12627	80	4	the	the	DET
fbem-12627	80	5	key	key	ADJ
fbem-12627	80	6	findings	finding	NOUN
fbem-12627	80	7	,	,	PUNCT
fbem-12627	80	8	research	research	NOUN
fbem-12627	80	9	by	by	ADP
fbem-12627	80	10	(	(	PUNCT
fbem-12627	80	11	leong	leong	PROPN
fbem-12627	80	12	&	&	CCONJ
fbem-12627	80	13	sung	sung	PROPN
fbem-12627	80	14	,	,	PUNCT
fbem-12627	80	15	2018	2018	NUM
fbem-12627	80	16	)	)	PUNCT
fbem-12627	80	17	demonstrated	demonstrate	VERB
fbem-12627	80	18	that	that	SCONJ
fbem-12627	80	19	fintech	fintech	NOUN
fbem-12627	80	20	firms	firm	NOUN
fbem-12627	80	21	utilizing	utilize	VERB
fbem-12627	80	22	blockchain	blockchain	PROPN
fbem-12627	80	23	reported	report	VERB
fbem-12627	80	24	a	a	DET
fbem-12627	80	25	25	25	NUM
fbem-12627	80	26	%	%	NOUN
fbem-12627	80	27	improvement	improvement	NOUN
fbem-12627	80	28	in	in	ADP
fbem-12627	80	29	profitability	profitability	NOUN
fbem-12627	80	30	due	due	ADP
fbem-12627	80	31	to	to	ADP
fbem-12627	80	32	enhanced	enhance	VERB
fbem-12627	80	33	efficiency	efficiency	NOUN
fbem-12627	80	34	and	and	CCONJ
fbem-12627	80	35	reduced	reduced	ADJ
fbem-12627	80	36	fraud	fraud	NOUN
fbem-12627	80	37	.	.	PUNCT
fbem-12627	81	1	besides	besides	SCONJ
fbem-12627	81	2	an	an	DET
fbem-12627	81	3	analysis	analysis	NOUN
fbem-12627	81	4	by	by	ADP
fbem-12627	81	5	(	(	PUNCT
fbem-12627	81	6	mosteanu	mosteanu	NOUN
fbem-12627	81	7	&	&	CCONJ
fbem-12627	81	8	faccia	faccia	PROPN
fbem-12627	81	9	,	,	PUNCT
fbem-12627	81	10	2021	2021	NUM
fbem-12627	81	11	)	)	PUNCT
fbem-12627	81	12	indicated	indicate	VERB
fbem-12627	81	13	that	that	SCONJ
fbem-12627	81	14	blockchain	blockchain	PROPN
fbem-12627	81	15	's	's	PART
fbem-12627	81	16	transparent	transparent	ADJ
fbem-12627	81	17	and	and	CCONJ
fbem-12627	81	18	immutable	immutable	ADJ
fbem-12627	81	19	ledger	ledger	NOUN
fbem-12627	81	20	reduced	reduce	VERB
fbem-12627	81	21	the	the	DET
fbem-12627	81	22	risk	risk	NOUN
fbem-12627	81	23	of	of	ADP
fbem-12627	81	24	regulatory	regulatory	ADJ
fbem-12627	81	25	fines	fine	NOUN
fbem-12627	81	26	by	by	ADP
fbem-12627	81	27	80	80	NUM
fbem-12627	81	28	%	%	NOUN
fbem-12627	81	29	in	in	ADP
fbem-12627	81	30	fintech	fintech	NOUN
fbem-12627	81	31	firms	firm	NOUN
fbem-12627	81	32	.	.	PUNCT
fbem-12627	82	1	304	304	NUM
fbem-12627	82	2	4	4	NUM
fbem-12627	82	3	.	.	PUNCT
fbem-12627	82	4	challenges	challenge	NOUN
fbem-12627	82	5	and	and	CCONJ
fbem-12627	82	6	limitations	limitation	NOUN
fbem-12627	82	7	while	while	SCONJ
fbem-12627	82	8	the	the	DET
fbem-12627	82	9	adoption	adoption	NOUN
fbem-12627	82	10	of	of	ADP
fbem-12627	82	11	blockchain	blockchain	PROPN
fbem-12627	82	12	technology	technology	PROPN
fbem-12627	82	13	in	in	ADP
fbem-12627	82	14	fintech	fintech	NOUN
fbem-12627	82	15	has	have	AUX
fbem-12627	82	16	shown	show	VERB
fbem-12627	82	17	promise	promise	NOUN
fbem-12627	82	18	,	,	PUNCT
fbem-12627	82	19	it	it	PRON
fbem-12627	82	20	is	be	AUX
fbem-12627	82	21	essential	essential	ADJ
fbem-12627	82	22	to	to	PART
fbem-12627	82	23	acknowledge	acknowledge	VERB
fbem-12627	82	24	there	there	PRON
fbem-12627	82	25	are	be	VERB
fbem-12627	82	26	some	some	DET
fbem-12627	82	27	challenges	challenge	NOUN
fbem-12627	82	28	and	and	CCONJ
fbem-12627	82	29	limitations	limitation	NOUN
fbem-12627	82	30	identified	identify	VERB
fbem-12627	82	31	in	in	ADP
fbem-12627	82	32	the	the	DET
fbem-12627	82	33	literature	literature	NOUN
fbem-12627	82	34	.	.	PUNCT
fbem-12627	83	1	4.1	4.1	NUM
fbem-12627	83	2	.	.	PUNCT
fbem-12627	83	3	challenges	challenge	NOUN
fbem-12627	83	4	fintech	fintech	NOUN
fbem-12627	83	5	firms	firm	NOUN
fbem-12627	83	6	integrating	integrate	VERB
fbem-12627	83	7	blockchain	blockchain	PROPN
fbem-12627	83	8	technology	technology	PROPN
fbem-12627	83	9	encounter	encounter	VERB
fbem-12627	83	10	several	several	ADJ
fbem-12627	83	11	notable	notable	ADJ
fbem-12627	83	12	challenges	challenge	NOUN
fbem-12627	83	13	.	.	PUNCT
fbem-12627	84	1	firstly	firstly	ADV
fbem-12627	84	2	,	,	PUNCT
fbem-12627	84	3	blockchain	blockchain	PROPN
fbem-12627	84	4	scalability	scalability	NOUN
fbem-12627	84	5	issues	issue	NOUN
fbem-12627	84	6	,	,	PUNCT
fbem-12627	84	7	as	as	SCONJ
fbem-12627	84	8	highlighted	highlight	VERB
fbem-12627	84	9	in	in	ADP
fbem-12627	84	10	studies	study	NOUN
fbem-12627	84	11	such	such	ADJ
fbem-12627	84	12	as	as	ADP
fbem-12627	84	13	(	(	PUNCT
fbem-12627	84	14	mazlan	mazlan	NOUN
fbem-12627	84	15	et	et	PROPN
fbem-12627	84	16	al	al	PROPN
fbem-12627	84	17	.	.	PROPN
fbem-12627	84	18	,	,	PUNCT
fbem-12627	84	19	2020	2020	NUM
fbem-12627	84	20	)	)	PUNCT
fbem-12627	84	21	,	,	PUNCT
fbem-12627	84	22	arise	arise	VERB
fbem-12627	84	23	as	as	SCONJ
fbem-12627	84	24	transaction	transaction	NOUN
fbem-12627	84	25	volumes	volume	NOUN
fbem-12627	84	26	increase	increase	VERB
fbem-12627	84	27	,	,	PUNCT
fbem-12627	84	28	potentially	potentially	ADV
fbem-12627	84	29	leading	lead	VERB
fbem-12627	84	30	to	to	ADP
fbem-12627	84	31	delays	delay	NOUN
fbem-12627	84	32	and	and	CCONJ
fbem-12627	84	33	increased	increase	VERB
fbem-12627	84	34	operational	operational	ADJ
fbem-12627	84	35	costs	cost	NOUN
fbem-12627	84	36	.	.	PUNCT
fbem-12627	85	1	secondly	secondly	ADV
fbem-12627	85	2	,	,	PUNCT
fbem-12627	85	3	regulatory	regulatory	ADJ
fbem-12627	85	4	ambiguity	ambiguity	NOUN
fbem-12627	85	5	,	,	PUNCT
fbem-12627	85	6	as	as	SCONJ
fbem-12627	85	7	observed	observe	VERB
fbem-12627	85	8	in	in	ADP
fbem-12627	85	9	a	a	DET
fbem-12627	85	10	blockchain	blockchain	NOUN
fbem-12627	85	11	-	-	PUNCT
fbem-12627	85	12	driven	drive	VERB
fbem-12627	85	13	environment	environment	NOUN
fbem-12627	85	14	(	(	PUNCT
fbem-12627	85	15	javaid	javaid	NOUN
fbem-12627	85	16	et	et	PROPN
fbem-12627	85	17	al	al	PROPN
fbem-12627	85	18	.	.	PROPN
fbem-12627	85	19	,	,	PUNCT
fbem-12627	85	20	2022	2022	NUM
fbem-12627	85	21	)	)	PUNCT
fbem-12627	85	22	,	,	PUNCT
fbem-12627	85	23	can	can	AUX
fbem-12627	85	24	hinder	hinder	VERB
fbem-12627	85	25	fintech	fintech	NOUN
fbem-12627	85	26	firms	firm	NOUN
fbem-12627	85	27	'	'	PART
fbem-12627	85	28	operations	operation	NOUN
fbem-12627	85	29	due	due	ADP
fbem-12627	85	30	to	to	ADP
fbem-12627	85	31	evolving	evolve	VERB
fbem-12627	85	32	regulations	regulation	NOUN
fbem-12627	85	33	and	and	CCONJ
fbem-12627	85	34	compliance	compliance	NOUN
fbem-12627	85	35	requirements	requirement	NOUN
fbem-12627	85	36	,	,	PUNCT
fbem-12627	85	37	which	which	PRON
fbem-12627	85	38	create	create	VERB
fbem-12627	85	39	uncertainty	uncertainty	NOUN
fbem-12627	85	40	.	.	PUNCT
fbem-12627	86	1	lastly	lastly	ADV
fbem-12627	86	2	,	,	PUNCT
fbem-12627	86	3	interoperability	interoperability	NOUN
fbem-12627	86	4	concerns	concern	NOUN
fbem-12627	86	5	,	,	PUNCT
fbem-12627	86	6	as	as	SCONJ
fbem-12627	86	7	noted	note	VERB
fbem-12627	86	8	by	by	ADP
fbem-12627	86	9	(	(	PUNCT
fbem-12627	86	10	al	al	PROPN
fbem-12627	86	11	-	-	PUNCT
fbem-12627	86	12	rakhami	rakhami	PROPN
fbem-12627	86	13	&	&	CCONJ
fbem-12627	86	14	al	al	PROPN
fbem-12627	86	15	-	-	PUNCT
fbem-12627	86	16	mashari	mashari	PROPN
fbem-12627	86	17	,	,	PUNCT
fbem-12627	86	18	2022	2022	NUM
fbem-12627	86	19	)	)	PUNCT
fbem-12627	86	20	,	,	PUNCT
fbem-12627	86	21	pose	pose	VERB
fbem-12627	86	22	challenges	challenge	NOUN
fbem-12627	86	23	for	for	ADP
fbem-12627	86	24	fintech	fintech	NOUN
fbem-12627	86	25	firms	firm	NOUN
fbem-12627	86	26	collaborating	collaborate	VERB
fbem-12627	86	27	with	with	ADP
fbem-12627	86	28	multiple	multiple	ADJ
fbem-12627	86	29	blockchain	blockchain	NOUN
fbem-12627	86	30	providers	provider	NOUN
fbem-12627	86	31	,	,	PUNCT
fbem-12627	86	32	as	as	SCONJ
fbem-12627	86	33	they	they	PRON
fbem-12627	86	34	must	must	AUX
fbem-12627	86	35	navigate	navigate	VERB
fbem-12627	86	36	compatibility	compatibility	NOUN
fbem-12627	86	37	issues	issue	NOUN
fbem-12627	86	38	across	across	ADP
fbem-12627	86	39	various	various	ADJ
fbem-12627	86	40	blockchain	blockchain	PROPN
fbem-12627	86	41	platforms	platform	NOUN
fbem-12627	86	42	and	and	CCONJ
fbem-12627	86	43	networks	network	NOUN
fbem-12627	86	44	.	.	PUNCT
fbem-12627	87	1	these	these	DET
fbem-12627	87	2	challenges	challenge	NOUN
fbem-12627	87	3	underscore	underscore	VERB
fbem-12627	87	4	the	the	DET
fbem-12627	87	5	complexities	complexity	NOUN
fbem-12627	87	6	associated	associate	VERB
fbem-12627	87	7	with	with	ADP
fbem-12627	87	8	blockchain	blockchain	PROPN
fbem-12627	87	9	adoption	adoption	NOUN
fbem-12627	87	10	within	within	ADP
fbem-12627	87	11	the	the	DET
fbem-12627	87	12	fintech	fintech	NOUN
fbem-12627	87	13	sector	sector	NOUN
fbem-12627	87	14	.	.	PUNCT
fbem-12627	88	1	4.2	4.2	NUM
fbem-12627	88	2	.	.	PUNCT
fbem-12627	88	3	limitations	limitation	VERB
fbem-12627	88	4	the	the	DET
fbem-12627	88	5	assessment	assessment	NOUN
fbem-12627	88	6	of	of	ADP
fbem-12627	88	7	blockchain	blockchain	PROPN
fbem-12627	88	8	adoption	adoption	PROPN
fbem-12627	88	9	's	's	PART
fbem-12627	88	10	financial	financial	ADJ
fbem-12627	88	11	impact	impact	NOUN
fbem-12627	88	12	within	within	ADP
fbem-12627	88	13	the	the	DET
fbem-12627	88	14	fintech	fintech	NOUN
fbem-12627	88	15	sector	sector	NOUN
fbem-12627	88	16	is	be	AUX
fbem-12627	88	17	marked	mark	VERB
fbem-12627	88	18	by	by	ADP
fbem-12627	88	19	several	several	ADJ
fbem-12627	88	20	notable	notable	ADJ
fbem-12627	88	21	challenges	challenge	NOUN
fbem-12627	88	22	.	.	PUNCT
fbem-12627	89	1	the	the	DET
fbem-12627	89	2	scarcity	scarcity	NOUN
fbem-12627	89	3	of	of	ADP
fbem-12627	89	4	extended	extended	ADJ
fbem-12627	89	5	historical	historical	ADJ
fbem-12627	89	6	data	datum	NOUN
fbem-12627	89	7	on	on	ADP
fbem-12627	89	8	this	this	DET
fbem-12627	89	9	subject	subject	NOUN
fbem-12627	89	10	,	,	PUNCT
fbem-12627	89	11	as	as	SCONJ
fbem-12627	89	12	emphasized	emphasize	VERB
fbem-12627	89	13	in	in	ADP
fbem-12627	89	14	the	the	DET
fbem-12627	89	15	study	study	NOUN
fbem-12627	89	16	by	by	ADP
fbem-12627	89	17	li	li	PROPN
fbem-12627	89	18	and	and	CCONJ
fbem-12627	89	19	wang	wang	PROPN
fbem-12627	89	20	in	in	ADP
fbem-12627	89	21	2017	2017	NUM
fbem-12627	89	22	,	,	PUNCT
fbem-12627	89	23	might	might	AUX
fbem-12627	89	24	impede	impede	VERB
fbem-12627	89	25	our	our	PRON
fbem-12627	89	26	capacity	capacity	NOUN
fbem-12627	89	27	to	to	PART
fbem-12627	89	28	assess	assess	VERB
fbem-12627	89	29	its	its	PRON
fbem-12627	89	30	enduring	endure	VERB
fbem-12627	89	31	consequences	consequence	NOUN
fbem-12627	89	32	over	over	ADP
fbem-12627	89	33	time	time	NOUN
fbem-12627	89	34	.	.	PUNCT
fbem-12627	90	1	additionally	additionally	ADV
fbem-12627	90	2	,	,	PUNCT
fbem-12627	90	3	the	the	DET
fbem-12627	90	4	multifaceted	multifaceted	ADJ
fbem-12627	90	5	character	character	NOUN
fbem-12627	90	6	of	of	ADP
fbem-12627	90	7	fintech	fintech	NOUN
fbem-12627	90	8	,	,	PUNCT
fbem-12627	90	9	which	which	PRON
fbem-12627	90	10	encompasses	encompass	VERB
fbem-12627	90	11	an	an	DET
fbem-12627	90	12	extensive	extensive	ADJ
fbem-12627	90	13	array	array	NOUN
fbem-12627	90	14	of	of	ADP
fbem-12627	90	15	services	service	NOUN
fbem-12627	90	16	and	and	CCONJ
fbem-12627	90	17	products	product	NOUN
fbem-12627	90	18	,	,	PUNCT
fbem-12627	90	19	suggests	suggest	VERB
fbem-12627	90	20	that	that	SCONJ
fbem-12627	90	21	blockchain	blockchain	PROPN
fbem-12627	90	22	's	's	PART
fbem-12627	90	23	influence	influence	NOUN
fbem-12627	90	24	could	could	AUX
fbem-12627	90	25	fluctuate	fluctuate	VERB
fbem-12627	90	26	significantly	significantly	ADV
fbem-12627	90	27	within	within	ADP
fbem-12627	90	28	subsectors	subsector	NOUN
fbem-12627	90	29	.	.	PUNCT
fbem-12627	91	1	this	this	DET
fbem-12627	91	2	variability	variability	NOUN
fbem-12627	91	3	makes	make	VERB
fbem-12627	91	4	it	it	PRON
fbem-12627	91	5	challenging	challenging	ADJ
fbem-12627	91	6	to	to	PART
fbem-12627	91	7	extrapolate	extrapolate	VERB
fbem-12627	91	8	conclusions	conclusion	NOUN
fbem-12627	91	9	to	to	ADP
fbem-12627	91	10	all	all	DET
fbem-12627	91	11	fintech	fintech	NOUN
fbem-12627	91	12	enterprises	enterprise	NOUN
fbem-12627	91	13	,	,	PUNCT
fbem-12627	91	14	potentially	potentially	ADV
fbem-12627	91	15	oversimplifying	oversimplify	VERB
fbem-12627	91	16	this	this	DET
fbem-12627	91	17	intricate	intricate	ADJ
fbem-12627	91	18	terrain	terrain	NOUN
fbem-12627	91	19	.	.	PUNCT
fbem-12627	92	1	finally	finally	ADV
fbem-12627	92	2	,	,	PUNCT
fbem-12627	92	3	it	it	PRON
fbem-12627	92	4	's	be	AUX
fbem-12627	92	5	important	important	ADJ
fbem-12627	92	6	to	to	PART
fbem-12627	92	7	recognize	recognize	VERB
fbem-12627	92	8	that	that	DET
fbem-12627	92	9	research	research	NOUN
fbem-12627	92	10	on	on	ADP
fbem-12627	92	11	the	the	DET
fbem-12627	92	12	financial	financial	ADJ
fbem-12627	92	13	impact	impact	NOUN
fbem-12627	92	14	of	of	ADP
fbem-12627	92	15	blockchain	blockchain	PROPN
fbem-12627	92	16	adoption	adoption	NOUN
fbem-12627	92	17	within	within	ADP
fbem-12627	92	18	fintech	fintech	NOUN
fbem-12627	92	19	is	be	AUX
fbem-12627	92	20	still	still	ADV
fbem-12627	92	21	relatively	relatively	ADV
fbem-12627	92	22	nascent	nascent	ADJ
fbem-12627	92	23	,	,	PUNCT
fbem-12627	92	24	as	as	SCONJ
fbem-12627	92	25	highlighted	highlight	VERB
fbem-12627	92	26	by	by	ADP
fbem-12627	92	27	(	(	PUNCT
fbem-12627	92	28	amir	amir	PROPN
fbem-12627	92	29	latif	latif	PROPN
fbem-12627	92	30	et	et	PROPN
fbem-12627	92	31	al	al	PROPN
fbem-12627	92	32	.	.	PROPN
fbem-12627	92	33	,	,	PUNCT
fbem-12627	92	34	2020	2020	NUM
fbem-12627	92	35	)	)	PUNCT
fbem-12627	92	36	.	.	PUNCT
fbem-12627	93	1	many	many	ADJ
fbem-12627	93	2	studies	study	NOUN
fbem-12627	93	3	acknowledge	acknowledge	VERB
fbem-12627	93	4	the	the	DET
fbem-12627	93	5	need	need	NOUN
fbem-12627	93	6	for	for	ADP
fbem-12627	93	7	further	further	ADJ
fbem-12627	93	8	exploration	exploration	NOUN
fbem-12627	93	9	to	to	PART
fbem-12627	93	10	establish	establish	VERB
fbem-12627	93	11	more	more	ADV
fbem-12627	93	12	definitive	definitive	ADJ
fbem-12627	93	13	conclusions	conclusion	NOUN
fbem-12627	93	14	,	,	PUNCT
fbem-12627	93	15	considering	consider	VERB
fbem-12627	93	16	the	the	DET
fbem-12627	93	17	continually	continually	ADV
fbem-12627	93	18	evolving	evolve	VERB
fbem-12627	93	19	nature	nature	NOUN
fbem-12627	93	20	of	of	ADP
fbem-12627	93	21	blockchain	blockchain	PROPN
fbem-12627	93	22	technology	technology	PROPN
fbem-12627	93	23	and	and	CCONJ
fbem-12627	93	24	its	its	PRON
fbem-12627	93	25	effects	effect	NOUN
fbem-12627	93	26	on	on	ADP
fbem-12627	93	27	the	the	DET
fbem-12627	93	28	financial	financial	ADJ
fbem-12627	93	29	industry	industry	NOUN
fbem-12627	93	30	.	.	PUNCT
fbem-12627	94	1	these	these	DET
fbem-12627	94	2	challenges	challenge	NOUN
fbem-12627	94	3	underscore	underscore	VERB
fbem-12627	94	4	the	the	DET
fbem-12627	94	5	ongoing	ongoing	ADJ
fbem-12627	94	6	work	work	NOUN
fbem-12627	94	7	required	require	VERB
fbem-12627	94	8	to	to	PART
fbem-12627	94	9	comprehensively	comprehensively	ADV
fbem-12627	94	10	understand	understand	VERB
fbem-12627	94	11	the	the	DET
fbem-12627	94	12	financial	financial	ADJ
fbem-12627	94	13	implications	implication	NOUN
fbem-12627	94	14	of	of	ADP
fbem-12627	94	15	blockchain	blockchain	PROPN
fbem-12627	94	16	adoption	adoption	NOUN
fbem-12627	94	17	in	in	ADP
fbem-12627	94	18	fintech	fintech	NOUN
fbem-12627	94	19	.	.	PUNCT
fbem-12627	95	1	understanding	understand	VERB
fbem-12627	95	2	these	these	DET
fbem-12627	95	3	challenges	challenge	NOUN
fbem-12627	95	4	and	and	CCONJ
fbem-12627	95	5	limitations	limitation	NOUN
fbem-12627	95	6	is	be	AUX
fbem-12627	95	7	vital	vital	ADJ
fbem-12627	95	8	for	for	ADP
fbem-12627	95	9	both	both	DET
fbem-12627	95	10	researchers	researcher	NOUN
fbem-12627	95	11	and	and	CCONJ
fbem-12627	95	12	practitioners	practitioner	NOUN
fbem-12627	95	13	.	.	PUNCT
fbem-12627	96	1	addressing	address	VERB
fbem-12627	96	2	scalability	scalability	NOUN
fbem-12627	96	3	,	,	PUNCT
fbem-12627	96	4	regulatory	regulatory	ADJ
fbem-12627	96	5	concerns	concern	NOUN
fbem-12627	96	6	,	,	PUNCT
fbem-12627	96	7	and	and	CCONJ
fbem-12627	96	8	interoperability	interoperability	NOUN
fbem-12627	96	9	challenges	challenge	NOUN
fbem-12627	96	10	while	while	SCONJ
fbem-12627	96	11	acknowledging	acknowledge	VERB
fbem-12627	96	12	the	the	DET
fbem-12627	96	13	limitations	limitation	NOUN
fbem-12627	96	14	in	in	ADP
fbem-12627	96	15	current	current	ADJ
fbem-12627	96	16	research	research	NOUN
fbem-12627	96	17	will	will	AUX
fbem-12627	96	18	contribute	contribute	VERB
fbem-12627	96	19	to	to	ADP
fbem-12627	96	20	a	a	DET
fbem-12627	96	21	more	more	ADV
fbem-12627	96	22	comprehensive	comprehensive	ADJ
fbem-12627	96	23	understanding	understanding	NOUN
fbem-12627	96	24	of	of	ADP
fbem-12627	96	25	blockchain	blockchain	PROPN
fbem-12627	96	26	adoption	adoption	PROPN
fbem-12627	96	27	's	's	PART
fbem-12627	96	28	impact	impact	NOUN
fbem-12627	96	29	on	on	ADP
fbem-12627	96	30	financial	financial	ADJ
fbem-12627	96	31	performance	performance	NOUN
fbem-12627	96	32	in	in	ADP
fbem-12627	96	33	the	the	DET
fbem-12627	96	34	fintech	fintech	NOUN
fbem-12627	96	35	sector	sector	NOUN
fbem-12627	96	36	.	.	PUNCT
fbem-12627	97	1	5	5	X
fbem-12627	97	2	.	.	X
fbem-12627	97	3	conclusion	conclusion	NOUN
fbem-12627	97	4	in	in	ADP
fbem-12627	97	5	light	light	NOUN
fbem-12627	97	6	of	of	ADP
fbem-12627	97	7	the	the	DET
fbem-12627	97	8	extensive	extensive	ADJ
fbem-12627	97	9	analysis	analysis	NOUN
fbem-12627	97	10	conducted	conduct	VERB
fbem-12627	97	11	in	in	ADP
fbem-12627	97	12	this	this	DET
fbem-12627	97	13	literature	literature	NOUN
fbem-12627	97	14	review	review	NOUN
fbem-12627	97	15	,	,	PUNCT
fbem-12627	97	16	the	the	DET
fbem-12627	97	17	impact	impact	NOUN
fbem-12627	97	18	of	of	ADP
fbem-12627	97	19	blockchain	blockchain	PROPN
fbem-12627	97	20	adoption	adoption	NOUN
fbem-12627	97	21	on	on	ADP
fbem-12627	97	22	financial	financial	ADJ
fbem-12627	97	23	performance	performance	NOUN
fbem-12627	97	24	within	within	ADP
fbem-12627	97	25	fintech	fintech	NOUN
fbem-12627	97	26	firms	firm	NOUN
fbem-12627	97	27	is	be	AUX
fbem-12627	97	28	evident	evident	ADJ
fbem-12627	97	29	and	and	CCONJ
fbem-12627	97	30	multifaceted	multifaceted	ADJ
fbem-12627	97	31	.	.	PUNCT
fbem-12627	98	1	the	the	DET
fbem-12627	98	2	key	key	ADJ
fbem-12627	98	3	findings	finding	NOUN
fbem-12627	98	4	from	from	ADP
fbem-12627	98	5	the	the	DET
fbem-12627	98	6	literature	literature	NOUN
fbem-12627	98	7	shed	shed	VERB
fbem-12627	98	8	light	light	NOUN
fbem-12627	98	9	on	on	ADP
fbem-12627	98	10	the	the	DET
fbem-12627	98	11	transformative	transformative	ADJ
fbem-12627	98	12	influence	influence	NOUN
fbem-12627	98	13	of	of	ADP
fbem-12627	98	14	blockchain	blockchain	PROPN
fbem-12627	98	15	technology	technology	PROPN
fbem-12627	98	16	in	in	ADP
fbem-12627	98	17	this	this	DET
fbem-12627	98	18	dynamic	dynamic	ADJ
fbem-12627	98	19	sector	sector	NOUN
fbem-12627	98	20	.	.	PUNCT
fbem-12627	99	1	in	in	ADP
fbem-12627	99	2	terms	term	NOUN
fbem-12627	99	3	of	of	ADP
fbem-12627	99	4	the	the	DET
fbem-12627	99	5	key	key	ADJ
fbem-12627	99	6	findings	finding	NOUN
fbem-12627	99	7	,	,	PUNCT
fbem-12627	99	8	blockchain	blockchain	PROPN
fbem-12627	99	9	adoption	adoption	NOUN
fbem-12627	99	10	within	within	ADP
fbem-12627	99	11	fintech	fintech	NOUN
fbem-12627	99	12	firms	firm	NOUN
fbem-12627	99	13	offers	offer	VERB
fbem-12627	99	14	a	a	DET
fbem-12627	99	15	multitude	multitude	NOUN
fbem-12627	99	16	of	of	ADP
fbem-12627	99	17	benefits	benefit	NOUN
fbem-12627	99	18	.	.	PUNCT
fbem-12627	100	1	firstly	firstly	ADV
fbem-12627	100	2	,	,	PUNCT
fbem-12627	100	3	it	it	PRON
fbem-12627	100	4	significantly	significantly	ADV
fbem-12627	100	5	enhances	enhance	VERB
fbem-12627	100	6	revenue	revenue	NOUN
fbem-12627	100	7	streams	stream	NOUN
fbem-12627	100	8	by	by	ADP
fbem-12627	100	9	enabling	enable	VERB
fbem-12627	100	10	asset	asset	NOUN
fbem-12627	100	11	tokenization	tokenization	NOUN
fbem-12627	100	12	,	,	PUNCT
fbem-12627	100	13	facilitating	facilitate	VERB
fbem-12627	100	14	cross	cross	ADJ
fbem-12627	100	15	-	-	ADJ
fbem-12627	100	16	border	border	ADJ
fbem-12627	100	17	payment	payment	NOUN
fbem-12627	100	18	solutions	solution	NOUN
fbem-12627	100	19	,	,	PUNCT
fbem-12627	100	20	and	and	CCONJ
fbem-12627	100	21	fostering	foster	VERB
fbem-12627	100	22	the	the	DET
fbem-12627	100	23	development	development	NOUN
fbem-12627	100	24	of	of	ADP
fbem-12627	100	25	innovative	innovative	ADJ
fbem-12627	100	26	financial	financial	ADJ
fbem-12627	100	27	products	product	NOUN
fbem-12627	100	28	.	.	PUNCT
fbem-12627	101	1	secondly	secondly	ADV
fbem-12627	101	2	,	,	PUNCT
fbem-12627	101	3	the	the	DET
fbem-12627	101	4	integration	integration	NOUN
fbem-12627	101	5	of	of	ADP
fbem-12627	101	6	blockchain	blockchain	PROPN
fbem-12627	101	7	technology	technology	PROPN
fbem-12627	101	8	yields	yield	VERB
fbem-12627	101	9	substantial	substantial	ADJ
fbem-12627	101	10	cost	cost	NOUN
fbem-12627	101	11	reductions	reduction	NOUN
fbem-12627	101	12	through	through	ADP
fbem-12627	101	13	the	the	DET
fbem-12627	101	14	elimination	elimination	NOUN
fbem-12627	101	15	of	of	ADP
fbem-12627	101	16	intermediaries	intermediary	NOUN
fbem-12627	101	17	,	,	PUNCT
fbem-12627	101	18	automation	automation	NOUN
fbem-12627	101	19	of	of	ADP
fbem-12627	101	20	compliance	compliance	NOUN
fbem-12627	101	21	processes	process	NOUN
fbem-12627	101	22	,	,	PUNCT
fbem-12627	101	23	and	and	CCONJ
fbem-12627	101	24	the	the	DET
fbem-12627	101	25	strengthening	strengthening	NOUN
fbem-12627	101	26	of	of	ADP
fbem-12627	101	27	cybersecurity	cybersecurity	NOUN
fbem-12627	101	28	measures	measure	NOUN
fbem-12627	101	29	.	.	PUNCT
fbem-12627	102	1	this	this	DET
fbem-12627	102	2	results	result	NOUN
fbem-12627	102	3	in	in	ADP
fbem-12627	102	4	increased	increase	VERB
fbem-12627	102	5	operational	operational	ADJ
fbem-12627	102	6	efficiency	efficiency	NOUN
fbem-12627	102	7	.	.	PUNCT
fbem-12627	103	1	furthermore	furthermore	ADV
fbem-12627	103	2	,	,	PUNCT
fbem-12627	103	3	fintech	fintech	NOUN
fbem-12627	103	4	firms	firm	NOUN
fbem-12627	103	5	leveraging	leverage	VERB
fbem-12627	103	6	blockchain	blockchain	NOUN
fbem-12627	103	7	gain	gain	VERB
fbem-12627	103	8	a	a	DET
fbem-12627	103	9	competitive	competitive	ADJ
fbem-12627	103	10	edge	edge	NOUN
fbem-12627	103	11	by	by	ADP
fbem-12627	103	12	providing	provide	VERB
fbem-12627	103	13	efficient	efficient	ADJ
fbem-12627	103	14	and	and	CCONJ
fbem-12627	103	15	secure	secure	ADJ
fbem-12627	103	16	services	service	NOUN
fbem-12627	103	17	,	,	PUNCT
fbem-12627	103	18	which	which	PRON
fbem-12627	103	19	in	in	ADP
fbem-12627	103	20	turn	turn	NOUN
fbem-12627	103	21	allows	allow	VERB
fbem-12627	103	22	them	they	PRON
fbem-12627	103	23	to	to	PART
fbem-12627	103	24	capture	capture	VERB
fbem-12627	103	25	market	market	NOUN
fbem-12627	103	26	share	share	NOUN
fbem-12627	103	27	and	and	CCONJ
fbem-12627	103	28	challenge	challenge	VERB
fbem-12627	103	29	traditional	traditional	ADJ
fbem-12627	103	30	financial	financial	ADJ
fbem-12627	103	31	institutions	institution	NOUN
fbem-12627	103	32	.	.	PUNCT
fbem-12627	104	1	lastly	lastly	ADV
fbem-12627	104	2	,	,	PUNCT
fbem-12627	104	3	blockchain	blockchain	PROPN
fbem-12627	104	4	adoption	adoption	NOUN
fbem-12627	104	5	leads	lead	VERB
fbem-12627	104	6	to	to	ADP
fbem-12627	104	7	improved	improved	ADJ
fbem-12627	104	8	profitability	profitability	NOUN
fbem-12627	104	9	and	and	CCONJ
fbem-12627	104	10	enhanced	enhance	VERB
fbem-12627	104	11	risk	risk	NOUN
fbem-12627	104	12	management	management	NOUN
fbem-12627	104	13	by	by	ADP
fbem-12627	104	14	enhancing	enhance	VERB
fbem-12627	104	15	operational	operational	ADJ
fbem-12627	104	16	efficiency	efficiency	NOUN
fbem-12627	104	17	,	,	PUNCT
fbem-12627	104	18	reducing	reduce	VERB
fbem-12627	104	19	the	the	DET
fbem-12627	104	20	risk	risk	NOUN
fbem-12627	104	21	of	of	ADP
fbem-12627	104	22	fraud	fraud	NOUN
fbem-12627	104	23	,	,	PUNCT
fbem-12627	104	24	and	and	CCONJ
fbem-12627	104	25	simplifying	simplify	VERB
fbem-12627	104	26	regulatory	regulatory	ADJ
fbem-12627	104	27	compliance	compliance	NOUN
fbem-12627	104	28	,	,	PUNCT
fbem-12627	104	29	contributing	contribute	VERB
fbem-12627	104	30	to	to	ADP
fbem-12627	104	31	the	the	DET
fbem-12627	104	32	overall	overall	ADJ
fbem-12627	104	33	stability	stability	NOUN
fbem-12627	104	34	and	and	CCONJ
fbem-12627	104	35	success	success	NOUN
fbem-12627	104	36	of	of	ADP
fbem-12627	104	37	fintech	fintech	NOUN
fbem-12627	104	38	firms	firm	NOUN
fbem-12627	104	39	.	.	PUNCT
fbem-12627	105	1	these	these	DET
fbem-12627	105	2	advantages	advantage	NOUN
fbem-12627	105	3	underscore	underscore	VERB
fbem-12627	105	4	the	the	DET
fbem-12627	105	5	transformative	transformative	ADJ
fbem-12627	105	6	potential	potential	NOUN
fbem-12627	105	7	of	of	ADP
fbem-12627	105	8	blockchain	blockchain	PROPN
fbem-12627	105	9	in	in	ADP
fbem-12627	105	10	the	the	DET
fbem-12627	105	11	fintech	fintech	NOUN
fbem-12627	105	12	sector	sector	NOUN
fbem-12627	105	13	.	.	PUNCT
fbem-12627	106	1	as	as	ADP
fbem-12627	106	2	for	for	ADP
fbem-12627	106	3	the	the	DET
fbem-12627	106	4	implications	implication	NOUN
fbem-12627	106	5	,	,	PUNCT
fbem-12627	106	6	in	in	ADP
fbem-12627	106	7	the	the	DET
fbem-12627	106	8	aspect	aspect	NOUN
fbem-12627	106	9	of	of	ADP
fbem-12627	106	10	research	research	NOUN
fbem-12627	106	11	implications	implication	NOUN
fbem-12627	106	12	,	,	PUNCT
fbem-12627	106	13	several	several	ADJ
fbem-12627	106	14	key	key	ADJ
fbem-12627	106	15	considerations	consideration	NOUN
fbem-12627	106	16	emerge	emerge	VERB
fbem-12627	106	17	in	in	ADP
fbem-12627	106	18	the	the	DET
fbem-12627	106	19	realm	realm	NOUN
fbem-12627	106	20	of	of	ADP
fbem-12627	106	21	blockchain	blockchain	PROPN
fbem-12627	106	22	adoption	adoption	NOUN
fbem-12627	106	23	within	within	ADP
fbem-12627	106	24	fintech	fintech	NOUN
fbem-12627	106	25	.	.	PUNCT
fbem-12627	107	1	firstly	firstly	ADV
fbem-12627	107	2	,	,	PUNCT
fbem-12627	107	3	further	further	ADJ
fbem-12627	107	4	investigation	investigation	NOUN
fbem-12627	107	5	into	into	ADP
fbem-12627	107	6	blockchain	blockchain	PROPN
fbem-12627	107	7	's	's	PART
fbem-12627	107	8	long	long	ADJ
fbem-12627	107	9	-	-	PUNCT
fbem-12627	107	10	term	term	NOUN
fbem-12627	107	11	financial	financial	ADJ
fbem-12627	107	12	impact	impact	NOUN
fbem-12627	107	13	is	be	AUX
fbem-12627	107	14	necessary	necessary	ADJ
fbem-12627	107	15	,	,	PUNCT
fbem-12627	107	16	acknowledging	acknowledge	VERB
fbem-12627	107	17	the	the	DET
fbem-12627	107	18	evolving	evolve	VERB
fbem-12627	107	19	nature	nature	NOUN
fbem-12627	107	20	of	of	ADP
fbem-12627	107	21	both	both	CCONJ
fbem-12627	107	22	the	the	DET
fbem-12627	107	23	technology	technology	NOUN
fbem-12627	107	24	and	and	CCONJ
fbem-12627	107	25	the	the	DET
fbem-12627	107	26	fintech	fintech	NOUN
fbem-12627	107	27	industry	industry	NOUN
fbem-12627	107	28	.	.	PUNCT
fbem-12627	108	1	secondly	secondly	ADV
fbem-12627	108	2	,	,	PUNCT
fbem-12627	108	3	conducting	conduct	VERB
fbem-12627	108	4	indepth	indepth	ADJ
fbem-12627	108	5	studies	study	NOUN
fbem-12627	108	6	that	that	PRON
fbem-12627	108	7	focus	focus	VERB
fbem-12627	108	8	on	on	ADP
fbem-12627	108	9	specific	specific	ADJ
fbem-12627	108	10	fintech	fintech	NOUN
fbem-12627	108	11	subsectors	subsector	NOUN
fbem-12627	108	12	can	can	AUX
fbem-12627	108	13	yield	yield	VERB
fbem-12627	108	14	nuanced	nuanced	ADJ
fbem-12627	108	15	insights	insight	NOUN
fbem-12627	108	16	,	,	PUNCT
fbem-12627	108	17	helping	help	VERB
fbem-12627	108	18	to	to	PART
fbem-12627	108	19	understand	understand	VERB
fbem-12627	108	20	the	the	DET
fbem-12627	108	21	varying	vary	VERB
fbem-12627	108	22	effects	effect	NOUN
fbem-12627	108	23	of	of	ADP
fbem-12627	108	24	blockchain	blockchain	PROPN
fbem-12627	108	25	adoption	adoption	NOUN
fbem-12627	108	26	across	across	ADP
fbem-12627	108	27	different	different	ADJ
fbem-12627	108	28	segments	segment	NOUN
fbem-12627	108	29	of	of	ADP
fbem-12627	108	30	the	the	DET
fbem-12627	108	31	industry	industry	NOUN
fbem-12627	108	32	.	.	PUNCT
fbem-12627	109	1	lastly	lastly	ADV
fbem-12627	109	2	,	,	PUNCT
fbem-12627	109	3	comparative	comparative	ADJ
fbem-12627	109	4	analyses	analysis	NOUN
fbem-12627	109	5	that	that	PRON
fbem-12627	109	6	assess	assess	VERB
fbem-12627	109	7	the	the	DET
fbem-12627	109	8	relative	relative	ADJ
fbem-12627	109	9	advantages	advantage	NOUN
fbem-12627	109	10	and	and	CCONJ
fbem-12627	109	11	disadvantages	disadvantage	NOUN
fbem-12627	109	12	of	of	ADP
fbem-12627	109	13	various	various	ADJ
fbem-12627	109	14	blockchain	blockchain	PROPN
fbem-12627	109	15	platforms	platform	NOUN
fbem-12627	109	16	and	and	CCONJ
fbem-12627	109	17	implementation	implementation	NOUN
fbem-12627	109	18	strategies	strategy	NOUN
fbem-12627	109	19	are	be	AUX
fbem-12627	109	20	essential	essential	ADJ
fbem-12627	109	21	for	for	ADP
fbem-12627	109	22	guiding	guide	VERB
fbem-12627	109	23	fintech	fintech	NOUN
fbem-12627	109	24	firms	firm	NOUN
fbem-12627	109	25	effectively	effectively	ADV
fbem-12627	109	26	in	in	ADP
fbem-12627	109	27	their	their	PRON
fbem-12627	109	28	adoption	adoption	NOUN
fbem-12627	109	29	and	and	CCONJ
fbem-12627	109	30	utilization	utilization	NOUN
fbem-12627	109	31	of	of	ADP
fbem-12627	109	32	blockchain	blockchain	PROPN
fbem-12627	109	33	technology	technology	PROPN
fbem-12627	109	34	,	,	PUNCT
fbem-12627	109	35	ensuring	ensure	VERB
fbem-12627	109	36	they	they	PRON
fbem-12627	109	37	make	make	VERB
fbem-12627	109	38	informed	informed	ADJ
fbem-12627	109	39	decisions	decision	NOUN
fbem-12627	109	40	that	that	PRON
fbem-12627	109	41	align	align	VERB
fbem-12627	109	42	with	with	ADP
fbem-12627	109	43	their	their	PRON
fbem-12627	109	44	specific	specific	ADJ
fbem-12627	109	45	goals	goal	NOUN
fbem-12627	109	46	and	and	CCONJ
fbem-12627	109	47	requirements	requirement	NOUN
fbem-12627	109	48	.	.	PUNCT
fbem-12627	110	1	these	these	DET
fbem-12627	110	2	considerations	consideration	NOUN
fbem-12627	110	3	underscore	underscore	VERB
fbem-12627	110	4	the	the	DET
fbem-12627	110	5	need	need	NOUN
fbem-12627	110	6	for	for	ADP
fbem-12627	110	7	ongoing	ongoing	ADJ
fbem-12627	110	8	research	research	NOUN
fbem-12627	110	9	and	and	CCONJ
fbem-12627	110	10	strategic	strategic	ADJ
fbem-12627	110	11	planning	planning	NOUN
fbem-12627	110	12	in	in	ADP
fbem-12627	110	13	the	the	DET
fbem-12627	110	14	fintech	fintech	NOUN
fbem-12627	110	15	blockchain	blockchain	NOUN
fbem-12627	110	16	landscape	landscape	NOUN
fbem-12627	110	17	.	.	PUNCT
fbem-12627	111	1	in	in	ADP
fbem-12627	111	2	the	the	DET
fbem-12627	111	3	aspect	aspect	NOUN
fbem-12627	111	4	of	of	ADP
fbem-12627	111	5	research	research	NOUN
fbem-12627	111	6	,	,	PUNCT
fbem-12627	111	7	fintech	fintech	NOUN
fbem-12627	111	8	firms	firm	NOUN
fbem-12627	111	9	should	should	AUX
fbem-12627	111	10	view	view	VERB
fbem-12627	111	11	blockchain	blockchain	PROPN
fbem-12627	111	12	adoption	adoption	NOUN
fbem-12627	111	13	as	as	ADP
fbem-12627	111	14	a	a	DET
fbem-12627	111	15	strategic	strategic	ADJ
fbem-12627	111	16	imperative	imperative	NOUN
fbem-12627	111	17	,	,	PUNCT
fbem-12627	111	18	offering	offer	VERB
fbem-12627	111	19	avenues	avenue	NOUN
fbem-12627	111	20	for	for	ADP
fbem-12627	111	21	revenue	revenue	NOUN
fbem-12627	111	22	growth	growth	NOUN
fbem-12627	111	23	,	,	PUNCT
fbem-12627	111	24	operational	operational	ADJ
fbem-12627	111	25	cost	cost	NOUN
fbem-12627	111	26	reduction	reduction	NOUN
fbem-12627	111	27	,	,	PUNCT
fbem-12627	111	28	and	and	CCONJ
fbem-12627	111	29	competitive	competitive	ADJ
fbem-12627	111	30	advantage	advantage	NOUN
fbem-12627	111	31	.	.	PUNCT
fbem-12627	112	1	collaborations	collaboration	NOUN
fbem-12627	112	2	with	with	ADP
fbem-12627	112	3	blockchain	blockchain	PROPN
fbem-12627	112	4	startups	startup	NOUN
fbem-12627	112	5	and	and	CCONJ
fbem-12627	112	6	platforms	platform	NOUN
fbem-12627	112	7	present	present	ADJ
fbem-12627	112	8	opportunities	opportunity	NOUN
fbem-12627	112	9	for	for	ADP
fbem-12627	112	10	innovation	innovation	NOUN
fbem-12627	112	11	and	and	CCONJ
fbem-12627	112	12	market	market	NOUN
fbem-12627	112	13	expansion	expansion	NOUN
fbem-12627	112	14	.	.	PUNCT
fbem-12627	113	1	however	however	ADV
fbem-12627	113	2	,	,	PUNCT
fbem-12627	113	3	it	it	PRON
fbem-12627	113	4	is	be	AUX
fbem-12627	113	5	crucial	crucial	ADJ
fbem-12627	113	6	that	that	SCONJ
fbem-12627	113	7	these	these	DET
fbem-12627	113	8	strategies	strategy	NOUN
fbem-12627	113	9	prioritize	prioritize	VERB
fbem-12627	113	10	regulatory	regulatory	ADJ
fbem-12627	113	11	compliance	compliance	NOUN
fbem-12627	113	12	and	and	CCONJ
fbem-12627	113	13	robust	robust	ADJ
fbem-12627	113	14	risk	risk	NOUN
fbem-12627	113	15	management	management	NOUN
fbem-12627	113	16	to	to	PART
fbem-12627	113	17	ensure	ensure	VERB
fbem-12627	113	18	long	long	ADJ
fbem-12627	113	19	-	-	PUNCT
fbem-12627	113	20	term	term	NOUN
fbem-12627	113	21	sustainability	sustainability	NOUN
fbem-12627	113	22	in	in	ADP
fbem-12627	113	23	the	the	DET
fbem-12627	113	24	ever	ever	ADV
fbem-12627	113	25	-	-	PUNCT
fbem-12627	113	26	evolving	evolve	VERB
fbem-12627	113	27	fintech	fintech	NOUN
fbem-12627	113	28	landscape	landscape	NOUN
fbem-12627	113	29	.	.	PUNCT
fbem-12627	114	1	acknowledgment	acknowledgment	NOUN
fbem-12627	114	2	there	there	PRON
fbem-12627	114	3	are	be	VERB
fbem-12627	114	4	no	no	DET
fbem-12627	114	5	acknowledgments	acknowledgment	NOUN
fbem-12627	114	6	.	.	PUNCT
fbem-12627	115	1	references	reference	NOUN
fbem-12627	115	2	[	[	X
fbem-12627	115	3	1	1	NUM
fbem-12627	115	4	]	]	PUNCT
fbem-12627	115	5	ghiro	ghiro	NOUN
fbem-12627	115	6	,	,	PUNCT
fbem-12627	115	7	l.	l.	PROPN
fbem-12627	115	8	,	,	PUNCT
fbem-12627	115	9	restuccia	restuccia	PROPN
fbem-12627	115	10	,	,	PUNCT
fbem-12627	115	11	f.	f.	PROPN
fbem-12627	115	12	,	,	PUNCT
fbem-12627	115	13	d'oro	d'oro	PROPN
fbem-12627	115	14	,	,	PUNCT
fbem-12627	115	15	s.	s.	PROPN
fbem-12627	115	16	,	,	PUNCT
fbem-12627	115	17	basagni	basagni	PROPN
fbem-12627	115	18	,	,	PUNCT
fbem-12627	115	19	s.	s.	PROPN
fbem-12627	115	20	,	,	PUNCT
fbem-12627	115	21	melodia	melodia	PROPN
fbem-12627	115	22	,	,	PUNCT
fbem-12627	115	23	t.	t.	PROPN
fbem-12627	115	24	,	,	PUNCT
fbem-12627	115	25	maccari	maccari	PROPN
fbem-12627	115	26	,	,	PUNCT
fbem-12627	115	27	l.	l.	PROPN
fbem-12627	115	28	,	,	PUNCT
fbem-12627	115	29	&	&	CCONJ
fbem-12627	115	30	cigno	cigno	PROPN
fbem-12627	115	31	,	,	PUNCT
fbem-12627	115	32	r.	r.	PROPN
fbem-12627	115	33	l.	l.	PROPN
fbem-12627	115	34	(	(	PUNCT
fbem-12627	115	35	2021	2021	NUM
fbem-12627	115	36	)	)	PUNCT
fbem-12627	115	37	.	.	PUNCT
fbem-12627	116	1	what	what	PRON
fbem-12627	116	2	is	be	AUX
fbem-12627	116	3	a	a	DET
fbem-12627	116	4	blockchain	blockchain	NOUN
fbem-12627	116	5	?	?	PUNCT
fbem-12627	117	1	a	a	DET
fbem-12627	117	2	definition	definition	NOUN
fbem-12627	117	3	to	to	PART
fbem-12627	117	4	clarify	clarify	VERB
fbem-12627	117	5	the	the	DET
fbem-12627	117	6	role	role	NOUN
fbem-12627	117	7	of	of	ADP
fbem-12627	117	8	the	the	DET
fbem-12627	117	9	blockchain	blockchain	NOUN
fbem-12627	117	10	in	in	ADP
fbem-12627	117	11	the	the	DET
fbem-12627	117	12	internet	internet	NOUN
fbem-12627	117	13	of	of	ADP
fbem-12627	117	14	things	thing	NOUN
fbem-12627	117	15	.	.	PUNCT
fbem-12627	118	1	arxiv	arxiv	PROPN
fbem-12627	118	2	preprint	preprint	PROPN
fbem-12627	118	3	arxiv	arxiv	PROPN
fbem-12627	118	4	:	:	PUNCT
fbem-12627	118	5	2102.03750	2102.03750	NUM
fbem-12627	118	6	.	.	PUNCT
fbem-12627	119	1	[	[	X
fbem-12627	119	2	2	2	NUM
fbem-12627	119	3	]	]	X
fbem-12627	119	4	thakor	thakor	NOUN
fbem-12627	119	5	,	,	PUNCT
fbem-12627	119	6	a.	a.	PROPN
fbem-12627	119	7	v.	v.	PROPN
fbem-12627	119	8	(	(	PUNCT
fbem-12627	119	9	2020	2020	NUM
fbem-12627	119	10	)	)	PUNCT
fbem-12627	119	11	.	.	PUNCT
fbem-12627	120	1	fintech	fintech	NOUN
fbem-12627	120	2	and	and	CCONJ
fbem-12627	120	3	banking	banking	NOUN
fbem-12627	120	4	:	:	PUNCT
fbem-12627	120	5	what	what	PRON
fbem-12627	120	6	do	do	AUX
fbem-12627	120	7	we	we	PRON
fbem-12627	120	8	know	know	VERB
fbem-12627	120	9	?	?	PUNCT
fbem-12627	120	10	.	.	PUNCT
fbem-12627	121	1	journal	journal	PROPN
fbem-12627	121	2	of	of	ADP
fbem-12627	121	3	financial	financial	ADJ
fbem-12627	121	4	intermediation	intermediation	NOUN
fbem-12627	121	5	,	,	PUNCT
fbem-12627	121	6	41	41	NUM
fbem-12627	121	7	,	,	PUNCT
fbem-12627	121	8	100833	100833	NUM
fbem-12627	121	9	.	.	PUNCT
fbem-12627	122	1	[	[	X
fbem-12627	122	2	3	3	NUM
fbem-12627	122	3	]	]	X
fbem-12627	122	4	chen	chen	PROPN
fbem-12627	122	5	,	,	PUNCT
fbem-12627	122	6	y.	y.	PROPN
fbem-12627	122	7	,	,	PUNCT
fbem-12627	122	8	&	&	CCONJ
fbem-12627	122	9	bellavitis	bellavitis	PROPN
fbem-12627	122	10	,	,	PUNCT
fbem-12627	122	11	c.	c.	PROPN
fbem-12627	122	12	(	(	PUNCT
fbem-12627	122	13	2020	2020	NUM
fbem-12627	122	14	)	)	PUNCT
fbem-12627	122	15	.	.	PUNCT
fbem-12627	123	1	blockchain	blockchain	PROPN
fbem-12627	123	2	disruption	disruption	NOUN
fbem-12627	123	3	and	and	CCONJ
fbem-12627	123	4	decentralized	decentralized	ADJ
fbem-12627	123	5	finance	finance	NOUN
fbem-12627	123	6	:	:	PUNCT
fbem-12627	123	7	the	the	DET
fbem-12627	123	8	rise	rise	NOUN
fbem-12627	123	9	of	of	ADP
fbem-12627	123	10	decentralized	decentralized	ADJ
fbem-12627	123	11	business	business	NOUN
fbem-12627	123	12	models	model	NOUN
fbem-12627	123	13	.	.	PUNCT
fbem-12627	124	1	journal	journal	NOUN
fbem-12627	124	2	of	of	ADP
fbem-12627	124	3	business	business	NOUN
fbem-12627	124	4	venturing	venture	VERB
fbem-12627	124	5	insights	insight	NOUN
fbem-12627	124	6	,	,	PUNCT
fbem-12627	124	7	13	13	NUM
fbem-12627	124	8	,	,	PUNCT
fbem-12627	124	9	e00151	e00151	NUM
fbem-12627	124	10	.	.	PUNCT
fbem-12627	125	1	[	[	X
fbem-12627	125	2	4	4	NUM
fbem-12627	125	3	]	]	X
fbem-12627	125	4	juan	juan	PROPN
fbem-12627	125	5	,	,	PUNCT
fbem-12627	125	6	a.	a.	PROPN
fbem-12627	125	7	a.	a.	PROPN
fbem-12627	125	8	,	,	PUNCT
fbem-12627	125	9	perez	perez	PROPN
fbem-12627	125	10	-	-	PUNCT
fbem-12627	125	11	bernabeu	bernabeu	PROPN
fbem-12627	125	12	,	,	PUNCT
fbem-12627	125	13	e.	e.	PROPN
fbem-12627	125	14	,	,	PUNCT
fbem-12627	125	15	li	li	PROPN
fbem-12627	125	16	,	,	PUNCT
fbem-12627	125	17	y.	y.	PROPN
fbem-12627	125	18	,	,	PUNCT
fbem-12627	125	19	martin	martin	PROPN
fbem-12627	125	20	,	,	PUNCT
fbem-12627	125	21	x.	x.	NOUN
fbem-12627	125	22	a.	a.	PROPN
fbem-12627	125	23	,	,	PUNCT
fbem-12627	125	24	ammouriova	ammouriova	NOUN
fbem-12627	125	25	,	,	PUNCT
fbem-12627	125	26	m.	m.	NOUN
fbem-12627	125	27	,	,	PUNCT
fbem-12627	125	28	&	&	CCONJ
fbem-12627	125	29	barrios	barrios	PROPN
fbem-12627	125	30	,	,	PUNCT
fbem-12627	125	31	b.	b.	PROPN
fbem-12627	125	32	b.	b.	PROPN
fbem-12627	125	33	(	(	PUNCT
fbem-12627	125	34	2023	2023	NUM
fbem-12627	125	35	)	)	PUNCT
fbem-12627	125	36	.	.	PUNCT
fbem-12627	126	1	tokenized	tokenize	VERB
fbem-12627	126	2	markets	market	NOUN
fbem-12627	126	3	using	use	VERB
fbem-12627	126	4	blockchain	blockchain	PROPN
fbem-12627	126	5	technology	technology	NOUN
fbem-12627	126	6	:	:	PUNCT
fbem-12627	126	7	exploring	explore	VERB
fbem-12627	126	8	recent	recent	ADJ
fbem-12627	126	9	developments	development	NOUN
fbem-12627	126	10	and	and	CCONJ
fbem-12627	126	11	opportunities	opportunity	NOUN
fbem-12627	126	12	.	.	PUNCT
fbem-12627	127	1	information	information	NOUN
fbem-12627	127	2	,	,	PUNCT
fbem-12627	127	3	14(6	14(6	NOUN
fbem-12627	127	4	)	)	PUNCT
fbem-12627	127	5	,	,	PUNCT
fbem-12627	127	6	347	347	NUM
fbem-12627	127	7	.	.	PUNCT
fbem-12627	128	1	[	[	X
fbem-12627	128	2	5	5	NUM
fbem-12627	128	3	]	]	X
fbem-12627	128	4	tian	tian	ADJ
fbem-12627	128	5	,	,	PUNCT
fbem-12627	128	6	x.	x.	PROPN
fbem-12627	128	7	,	,	PUNCT
fbem-12627	128	8	zhu	zhu	PROPN
fbem-12627	128	9	,	,	PUNCT
fbem-12627	128	10	j.	j.	PROPN
fbem-12627	128	11	,	,	PUNCT
fbem-12627	128	12	zhao	zhao	PROPN
fbem-12627	128	13	,	,	PUNCT
fbem-12627	128	14	x.	x.	PROPN
fbem-12627	128	15	,	,	PUNCT
fbem-12627	128	16	&	&	CCONJ
fbem-12627	128	17	wu	wu	PROPN
fbem-12627	128	18	,	,	PUNCT
fbem-12627	128	19	j.	j.	PROPN
fbem-12627	128	20	(	(	PUNCT
fbem-12627	128	21	2022	2022	NUM
fbem-12627	128	22	)	)	PUNCT
fbem-12627	128	23	.	.	PUNCT
fbem-12627	129	1	improving	improve	VERB
fbem-12627	129	2	operational	operational	ADJ
fbem-12627	129	3	efficiency	efficiency	NOUN
fbem-12627	129	4	through	through	ADP
fbem-12627	129	5	blockchain	blockchain	NOUN
fbem-12627	129	6	:	:	PUNCT
fbem-12627	129	7	evidence	evidence	NOUN
fbem-12627	129	8	from	from	ADP
fbem-12627	129	9	a	a	DET
fbem-12627	129	10	305	305	NUM
fbem-12627	129	11	field	field	NOUN
fbem-12627	129	12	experiment	experiment	NOUN
fbem-12627	129	13	in	in	ADP
fbem-12627	129	14	cross	cross	ADJ
fbem-12627	129	15	-	-	ADJ
fbem-12627	129	16	border	border	ADJ
fbem-12627	129	17	trade	trade	NOUN
fbem-12627	129	18	.	.	PUNCT
fbem-12627	130	1	production	production	NOUN
fbem-12627	130	2	planning	planning	PROPN
fbem-12627	130	3	&	&	CCONJ
fbem-12627	130	4	control	control	PROPN
fbem-12627	130	5	,	,	PUNCT
fbem-12627	130	6	1	1	NUM
fbem-12627	130	7	-	-	SYM
fbem-12627	130	8	16	16	NUM
fbem-12627	130	9	.	.	PUNCT
fbem-12627	131	1	[	[	X
fbem-12627	131	2	6	6	NUM
fbem-12627	131	3	]	]	PUNCT
fbem-12627	131	4	jensen	jensen	PROPN
fbem-12627	131	5	,	,	PUNCT
fbem-12627	131	6	j.	j.	PROPN
fbem-12627	131	7	r.	r.	PROPN
fbem-12627	131	8	,	,	PUNCT
fbem-12627	131	9	von	von	PROPN
fbem-12627	131	10	wachter	wachter	NOUN
fbem-12627	131	11	,	,	PUNCT
fbem-12627	131	12	v.	v.	PROPN
fbem-12627	131	13	,	,	PUNCT
fbem-12627	131	14	&	&	CCONJ
fbem-12627	131	15	ross	ross	PROPN
fbem-12627	131	16	,	,	PUNCT
fbem-12627	131	17	o.	o.	PROPN
fbem-12627	131	18	(	(	PUNCT
fbem-12627	131	19	2021	2021	NUM
fbem-12627	131	20	)	)	PUNCT
fbem-12627	131	21	.	.	PUNCT
fbem-12627	132	1	an	an	DET
fbem-12627	132	2	introduction	introduction	NOUN
fbem-12627	132	3	to	to	ADP
fbem-12627	132	4	decentralized	decentralized	ADJ
fbem-12627	132	5	finance	finance	NOUN
fbem-12627	132	6	(	(	PUNCT
fbem-12627	132	7	defi	defi	PROPN
fbem-12627	132	8	)	)	PUNCT
fbem-12627	132	9	.	.	PUNCT
fbem-12627	133	1	complex	complex	ADJ
fbem-12627	133	2	systems	system	NOUN
fbem-12627	133	3	informatics	informatic	NOUN
fbem-12627	133	4	and	and	CCONJ
fbem-12627	133	5	modeling	model	VERB
fbem-12627	133	6	quarterly	quarterly	ADV
fbem-12627	133	7	,	,	PUNCT
fbem-12627	133	8	(	(	PUNCT
fbem-12627	133	9	26	26	NUM
fbem-12627	133	10	)	)	PUNCT
fbem-12627	133	11	,	,	PUNCT
fbem-12627	133	12	46	46	NUM
fbem-12627	133	13	-	-	SYM
fbem-12627	133	14	54	54	NUM
fbem-12627	133	15	.	.	PUNCT
fbem-12627	134	1	[	[	X
fbem-12627	134	2	7	7	NUM
fbem-12627	134	3	]	]	X
fbem-12627	134	4	carter	carter	NOUN
fbem-12627	134	5	,	,	PUNCT
fbem-12627	134	6	n.	n.	NOUN
fbem-12627	134	7	,	,	PUNCT
fbem-12627	134	8	&	&	CCONJ
fbem-12627	134	9	jeng	jeng	PROPN
fbem-12627	134	10	,	,	PUNCT
fbem-12627	134	11	l.	l.	PROPN
fbem-12627	134	12	(	(	PUNCT
fbem-12627	134	13	2021	2021	NUM
fbem-12627	134	14	)	)	PUNCT
fbem-12627	134	15	.	.	PUNCT
fbem-12627	134	16	defi	defi	PROPN
fbem-12627	134	17	protocol	protocol	NOUN
fbem-12627	134	18	risks	risk	NOUN
fbem-12627	134	19	:	:	PUNCT
fbem-12627	134	20	the	the	DET
fbem-12627	134	21	paradox	paradox	NOUN
fbem-12627	134	22	of	of	ADP
fbem-12627	134	23	defi	defi	PROPN
fbem-12627	134	24	.	.	PUNCT
fbem-12627	135	1	regtech	regtech	PROPN
fbem-12627	135	2	,	,	PUNCT
fbem-12627	135	3	suptech	suptech	NOUN
fbem-12627	135	4	and	and	CCONJ
fbem-12627	135	5	beyond	beyond	ADP
fbem-12627	135	6	:	:	PUNCT
fbem-12627	135	7	innovation	innovation	NOUN
fbem-12627	135	8	and	and	CCONJ
fbem-12627	135	9	technology	technology	NOUN
fbem-12627	135	10	in	in	ADP
fbem-12627	135	11	financial	financial	ADJ
fbem-12627	135	12	services	service	NOUN
fbem-12627	135	13	”	"	PUNCT
fbem-12627	135	14	riskbooks	riskbook	NOUN
fbem-12627	135	15	–	–	PUNCT
fbem-12627	135	16	forthcoming	forthcoming	ADJ
fbem-12627	135	17	q	q	NOUN
fbem-12627	135	18	,	,	PUNCT
fbem-12627	135	19	3	3	NUM
fbem-12627	135	20	.	.	PUNCT
fbem-12627	136	1	[	[	X
fbem-12627	136	2	8	8	NUM
fbem-12627	136	3	]	]	X
fbem-12627	136	4	zarrouk	zarrouk	ADV
fbem-12627	136	5	,	,	PUNCT
fbem-12627	136	6	h.	h.	PROPN
fbem-12627	136	7	,	,	PUNCT
fbem-12627	136	8	el	el	PROPN
fbem-12627	136	9	ghak	ghak	PROPN
fbem-12627	136	10	,	,	PUNCT
fbem-12627	136	11	t.	t.	PROPN
fbem-12627	136	12	,	,	PUNCT
fbem-12627	136	13	&	&	CCONJ
fbem-12627	136	14	bakhouche	bakhouche	PROPN
fbem-12627	136	15	,	,	PUNCT
fbem-12627	136	16	a.	a.	NOUN
fbem-12627	136	17	(	(	PUNCT
fbem-12627	136	18	2021	2021	NUM
fbem-12627	136	19	)	)	PUNCT
fbem-12627	136	20	.	.	PUNCT
fbem-12627	137	1	exploring	explore	VERB
fbem-12627	137	2	economic	economic	ADJ
fbem-12627	137	3	and	and	CCONJ
fbem-12627	137	4	technological	technological	ADJ
fbem-12627	137	5	determinants	determinant	NOUN
fbem-12627	137	6	of	of	ADP
fbem-12627	137	7	fintech	fintech	NOUN
fbem-12627	137	8	startups	startup	NOUN
fbem-12627	137	9	’	'	PUNCT
fbem-12627	137	10	success	success	NOUN
fbem-12627	137	11	and	and	CCONJ
fbem-12627	137	12	growth	growth	NOUN
fbem-12627	137	13	in	in	ADP
fbem-12627	137	14	the	the	DET
fbem-12627	137	15	united	united	PROPN
fbem-12627	137	16	arab	arab	PROPN
fbem-12627	137	17	emirates	emirates	PROPN
fbem-12627	137	18	.	.	PUNCT
fbem-12627	138	1	journal	journal	PROPN
fbem-12627	138	2	of	of	ADP
fbem-12627	138	3	open	open	ADJ
fbem-12627	138	4	innovation	innovation	NOUN
fbem-12627	138	5	:	:	PUNCT
fbem-12627	138	6	technology	technology	NOUN
fbem-12627	138	7	,	,	PUNCT
fbem-12627	138	8	market	market	NOUN
fbem-12627	138	9	,	,	PUNCT
fbem-12627	138	10	and	and	CCONJ
fbem-12627	138	11	complexity	complexity	NOUN
fbem-12627	138	12	,	,	PUNCT
fbem-12627	138	13	7(1	7(1	NUM
fbem-12627	138	14	)	)	PUNCT
fbem-12627	138	15	,	,	PUNCT
fbem-12627	138	16	50	50	NUM
fbem-12627	138	17	.	.	PUNCT
fbem-12627	139	1	[	[	X
fbem-12627	139	2	9	9	NUM
fbem-12627	139	3	]	]	X
fbem-12627	139	4	wang	wang	PROPN
fbem-12627	139	5	,	,	PUNCT
fbem-12627	139	6	q.	q.	PROPN
fbem-12627	139	7	,	,	PUNCT
fbem-12627	139	8	lau	lau	PROPN
fbem-12627	139	9	,	,	PUNCT
fbem-12627	139	10	r.	r.	PROPN
fbem-12627	139	11	y.	y.	PROPN
fbem-12627	139	12	k.	k.	PROPN
fbem-12627	139	13	,	,	PUNCT
fbem-12627	139	14	&	&	CCONJ
fbem-12627	139	15	mao	mao	PROPN
fbem-12627	139	16	,	,	PUNCT
fbem-12627	139	17	x.	x.	NOUN
fbem-12627	139	18	(	(	PUNCT
fbem-12627	139	19	2019	2019	NUM
fbem-12627	139	20	)	)	PUNCT
fbem-12627	139	21	.	.	PUNCT
fbem-12627	139	22	blockchainenabled	blockchainenable	VERB
fbem-12627	139	23	smart	smart	ADJ
fbem-12627	139	24	contracts	contract	NOUN
fbem-12627	139	25	for	for	ADP
fbem-12627	139	26	enhancing	enhance	VERB
fbem-12627	139	27	distributor	distributor	NOUN
fbem-12627	139	28	-	-	PUNCT
fbem-12627	139	29	to	to	ADP
fbem-12627	139	30	-	-	PUNCT
fbem-12627	139	31	consumer	consumer	NOUN
fbem-12627	139	32	transactions	transaction	NOUN
fbem-12627	139	33	.	.	PUNCT
fbem-12627	140	1	ieee	ieee	NOUN
fbem-12627	140	2	consumer	consumer	NOUN
fbem-12627	140	3	electronics	electronic	NOUN
fbem-12627	140	4	magazine	magazine	NOUN
fbem-12627	140	5	,	,	PUNCT
fbem-12627	140	6	8(6	8(6	NUM
fbem-12627	140	7	)	)	PUNCT
fbem-12627	140	8	,	,	PUNCT
fbem-12627	140	9	2228	2228	NUM
fbem-12627	140	10	.	.	PUNCT
fbem-12627	141	1	[	[	X
fbem-12627	141	2	10	10	NUM
fbem-12627	141	3	]	]	X
fbem-12627	141	4	sonawane	sonawane	NOUN
fbem-12627	141	5	,	,	PUNCT
fbem-12627	141	6	s.	s.	PROPN
fbem-12627	141	7	,	,	PUNCT
fbem-12627	141	8	&	&	CCONJ
fbem-12627	141	9	motwani	motwani	PROPN
fbem-12627	141	10	,	,	PUNCT
fbem-12627	141	11	d.	d.	PROPN
fbem-12627	141	12	(	(	PUNCT
fbem-12627	141	13	2023	2023	NUM
fbem-12627	141	14	)	)	PUNCT
fbem-12627	141	15	.	.	PUNCT
fbem-12627	142	1	modelling	model	VERB
fbem-12627	142	2	blockchain	blockchain	PROPN
fbem-12627	142	3	technology	technology	NOUN
fbem-12627	142	4	-	-	PUNCT
fbem-12627	142	5	driven	drive	VERB
fbem-12627	142	6	practices	practice	NOUN
fbem-12627	142	7	to	to	PART
fbem-12627	142	8	be	be	AUX
fbem-12627	142	9	integrated	integrate	VERB
fbem-12627	142	10	in	in	ADP
fbem-12627	142	11	fintech	fintech	NOUN
fbem-12627	142	12	for	for	ADP
fbem-12627	142	13	creating	create	VERB
fbem-12627	142	14	reliable	reliable	ADJ
fbem-12627	142	15	business	business	NOUN
fbem-12627	142	16	processes	process	NOUN
fbem-12627	142	17	.	.	PUNCT
fbem-12627	143	1	scandinavian	scandinavian	ADJ
fbem-12627	143	2	journal	journal	PROPN
fbem-12627	143	3	of	of	ADP
fbem-12627	143	4	information	information	NOUN
fbem-12627	143	5	systems	system	NOUN
fbem-12627	143	6	,	,	PUNCT
fbem-12627	143	7	35(1	35(1	NUM
fbem-12627	143	8	)	)	PUNCT
fbem-12627	143	9	,	,	PUNCT
fbem-12627	143	10	205	205	NUM
fbem-12627	143	11	-	-	SYM
fbem-12627	143	12	220	220	NUM
fbem-12627	143	13	.	.	PUNCT
fbem-12627	144	1	[	[	X
fbem-12627	144	2	11	11	NUM
fbem-12627	144	3	]	]	SYM
fbem-12627	144	4	cuccuru	cuccuru	NOUN
fbem-12627	144	5	,	,	PUNCT
fbem-12627	144	6	p.	p.	NOUN
fbem-12627	144	7	(	(	PUNCT
fbem-12627	144	8	2017	2017	NUM
fbem-12627	144	9	)	)	PUNCT
fbem-12627	144	10	.	.	PUNCT
fbem-12627	145	1	beyond	beyond	ADP
fbem-12627	145	2	bitcoin	bitcoin	NOUN
fbem-12627	145	3	:	:	PUNCT
fbem-12627	145	4	an	an	DET
fbem-12627	145	5	early	early	ADJ
fbem-12627	145	6	overview	overview	NOUN
fbem-12627	145	7	on	on	ADP
fbem-12627	145	8	smart	smart	ADJ
fbem-12627	145	9	contracts	contract	NOUN
fbem-12627	145	10	.	.	PUNCT
fbem-12627	146	1	international	international	ADJ
fbem-12627	146	2	journal	journal	PROPN
fbem-12627	146	3	of	of	ADP
fbem-12627	146	4	law	law	NOUN
fbem-12627	146	5	and	and	CCONJ
fbem-12627	146	6	information	information	NOUN
fbem-12627	146	7	technology	technology	NOUN
fbem-12627	146	8	,	,	PUNCT
fbem-12627	146	9	25(3	25(3	NUM
fbem-12627	146	10	)	)	PUNCT
fbem-12627	146	11	,	,	PUNCT
fbem-12627	146	12	179	179	NUM
fbem-12627	146	13	-	-	SYM
fbem-12627	146	14	195	195	NUM
fbem-12627	146	15	.	.	PUNCT
fbem-12627	147	1	[	[	X
fbem-12627	147	2	12	12	NUM
fbem-12627	147	3	]	]	X
fbem-12627	147	4	lukonga	lukonga	NOUN
fbem-12627	147	5	,	,	PUNCT
fbem-12627	147	6	m.	m.	NOUN
fbem-12627	147	7	i.	i.	PROPN
fbem-12627	147	8	(	(	PUNCT
fbem-12627	147	9	2018	2018	NUM
fbem-12627	147	10	)	)	PUNCT
fbem-12627	147	11	.	.	PUNCT
fbem-12627	148	1	fintech	fintech	NOUN
fbem-12627	148	2	,	,	PUNCT
fbem-12627	148	3	inclusive	inclusive	ADJ
fbem-12627	148	4	growth	growth	NOUN
fbem-12627	148	5	and	and	CCONJ
fbem-12627	148	6	cyber	cyber	NOUN
fbem-12627	148	7	risks	risk	NOUN
fbem-12627	148	8	:	:	PUNCT
fbem-12627	148	9	focus	focus	VERB
fbem-12627	148	10	on	on	ADP
fbem-12627	148	11	the	the	DET
fbem-12627	148	12	menap	menap	NOUN
fbem-12627	148	13	and	and	CCONJ
fbem-12627	148	14	cca	cca	NOUN
fbem-12627	148	15	regions	region	NOUN
fbem-12627	148	16	.	.	PUNCT
fbem-12627	149	1	[	[	X
fbem-12627	149	2	13	13	NUM
fbem-12627	149	3	]	]	X
fbem-12627	149	4	unal	unal	ADJ
fbem-12627	149	5	,	,	PUNCT
fbem-12627	149	6	i.	i.	NOUN
fbem-12627	149	7	m.	m.	PROPN
fbem-12627	149	8	,	,	PUNCT
fbem-12627	149	9	&	&	CCONJ
fbem-12627	149	10	aysan	aysan	ADJ
fbem-12627	149	11	,	,	PUNCT
fbem-12627	149	12	a.	a.	PROPN
fbem-12627	149	13	f.	f.	PROPN
fbem-12627	149	14	(	(	PUNCT
fbem-12627	149	15	2022	2022	NUM
fbem-12627	149	16	)	)	PUNCT
fbem-12627	149	17	.	.	PUNCT
fbem-12627	150	1	fintech	fintech	NOUN
fbem-12627	150	2	,	,	PUNCT
fbem-12627	150	3	digitalization	digitalization	NOUN
fbem-12627	150	4	,	,	PUNCT
fbem-12627	150	5	and	and	CCONJ
fbem-12627	150	6	blockchain	blockchain	PROPN
fbem-12627	150	7	in	in	ADP
fbem-12627	150	8	islamic	islamic	PROPN
fbem-12627	150	9	finance	finance	NOUN
fbem-12627	150	10	:	:	PUNCT
fbem-12627	150	11	retrospective	retrospective	ADJ
fbem-12627	150	12	investigation	investigation	NOUN
fbem-12627	150	13	.	.	PUNCT
fbem-12627	151	1	fintech	fintech	NOUN
fbem-12627	151	2	,	,	PUNCT
fbem-12627	151	3	1(4	1(4	NUM
fbem-12627	151	4	)	)	PUNCT
fbem-12627	151	5	,	,	PUNCT
fbem-12627	151	6	388	388	NUM
fbem-12627	151	7	-	-	SYM
fbem-12627	151	8	398	398	NUM
fbem-12627	151	9	.	.	PUNCT
fbem-12627	152	1	[	[	X
fbem-12627	152	2	14	14	NUM
fbem-12627	152	3	]	]	X
fbem-12627	152	4	cai	cai	X
fbem-12627	152	5	,	,	PUNCT
fbem-12627	152	6	c.	c.	PROPN
fbem-12627	152	7	w.	w.	PROPN
fbem-12627	152	8	(	(	PUNCT
fbem-12627	152	9	2018	2018	NUM
fbem-12627	152	10	)	)	PUNCT
fbem-12627	152	11	.	.	PUNCT
fbem-12627	153	1	disruption	disruption	NOUN
fbem-12627	153	2	of	of	ADP
fbem-12627	153	3	financial	financial	ADJ
fbem-12627	153	4	intermediation	intermediation	NOUN
fbem-12627	153	5	by	by	ADP
fbem-12627	153	6	fintech	fintech	NOUN
fbem-12627	153	7	:	:	PUNCT
fbem-12627	153	8	a	a	DET
fbem-12627	153	9	review	review	NOUN
fbem-12627	153	10	on	on	ADP
fbem-12627	153	11	crowdfunding	crowdfunding	NOUN
fbem-12627	153	12	and	and	CCONJ
fbem-12627	153	13	blockchain	blockchain	PROPN
fbem-12627	153	14	.	.	PUNCT
fbem-12627	154	1	accounting	accounting	PROPN
fbem-12627	154	2	&	&	CCONJ
fbem-12627	154	3	finance	finance	PROPN
fbem-12627	154	4	,	,	PUNCT
fbem-12627	154	5	58(4	58(4	NUM
fbem-12627	154	6	)	)	PUNCT
fbem-12627	154	7	,	,	PUNCT
fbem-12627	154	8	965	965	NUM
fbem-12627	154	9	-	-	SYM
fbem-12627	154	10	992	992	NUM
fbem-12627	154	11	.	.	PUNCT
fbem-12627	155	1	[	[	X
fbem-12627	155	2	15	15	NUM
fbem-12627	155	3	]	]	X
fbem-12627	155	4	mărăcine	mărăcine	NOUN
fbem-12627	155	5	,	,	PUNCT
fbem-12627	155	6	v.	v.	ADV
fbem-12627	155	7	,	,	PUNCT
fbem-12627	155	8	voican	voican	ADJ
fbem-12627	155	9	,	,	PUNCT
fbem-12627	155	10	o.	o.	PROPN
fbem-12627	155	11	,	,	PUNCT
fbem-12627	155	12	&	&	CCONJ
fbem-12627	155	13	scarlat	scarlat	PROPN
fbem-12627	155	14	,	,	PUNCT
fbem-12627	155	15	e.	e.	PROPN
fbem-12627	155	16	(	(	PUNCT
fbem-12627	155	17	2020	2020	NUM
fbem-12627	155	18	,	,	PUNCT
fbem-12627	155	19	july	july	PROPN
fbem-12627	155	20	)	)	PUNCT
fbem-12627	155	21	.	.	PUNCT
fbem-12627	156	1	the	the	DET
fbem-12627	156	2	digital	digital	ADJ
fbem-12627	156	3	transformation	transformation	NOUN
fbem-12627	156	4	and	and	CCONJ
fbem-12627	156	5	disruption	disruption	NOUN
fbem-12627	156	6	in	in	ADP
fbem-12627	156	7	business	business	NOUN
fbem-12627	156	8	models	model	NOUN
fbem-12627	156	9	of	of	ADP
fbem-12627	156	10	the	the	DET
fbem-12627	156	11	banks	bank	NOUN
fbem-12627	156	12	under	under	ADP
fbem-12627	156	13	the	the	DET
fbem-12627	156	14	impact	impact	NOUN
fbem-12627	156	15	of	of	ADP
fbem-12627	156	16	fintech	fintech	NOUN
fbem-12627	156	17	and	and	CCONJ
fbem-12627	156	18	bigtech	bigtech	NOUN
fbem-12627	156	19	.	.	PUNCT
fbem-12627	157	1	in	in	ADP
fbem-12627	157	2	proceedings	proceeding	NOUN
fbem-12627	157	3	of	of	ADP
fbem-12627	157	4	the	the	DET
fbem-12627	157	5	international	international	ADJ
fbem-12627	157	6	conference	conference	NOUN
fbem-12627	157	7	on	on	ADP
fbem-12627	157	8	business	business	NOUN
fbem-12627	157	9	excellence	excellence	PROPN
fbem-12627	157	10	(	(	PUNCT
fbem-12627	157	11	vol	vol	NOUN
fbem-12627	157	12	.	.	PROPN
fbem-12627	157	13	14	14	NUM
fbem-12627	157	14	,	,	PUNCT
fbem-12627	157	15	no	no	INTJ
fbem-12627	157	16	.	.	NOUN
fbem-12627	157	17	1	1	NUM
fbem-12627	157	18	,	,	PUNCT
fbem-12627	157	19	pp	pp	ADJ
fbem-12627	157	20	.	.	PUNCT
fbem-12627	158	1	294	294	NUM
fbem-12627	158	2	-	-	SYM
fbem-12627	158	3	305	305	NUM
fbem-12627	158	4	)	)	PUNCT
fbem-12627	158	5	.	.	PUNCT
fbem-12627	159	1	[	[	X
fbem-12627	159	2	16	16	NUM
fbem-12627	159	3	]	]	X
fbem-12627	159	4	gomber	gomber	NOUN
fbem-12627	159	5	,	,	PUNCT
fbem-12627	159	6	p.	p.	PROPN
fbem-12627	159	7	,	,	PUNCT
fbem-12627	159	8	koch	koch	PROPN
fbem-12627	159	9	,	,	PUNCT
fbem-12627	159	10	j.	j.	PROPN
fbem-12627	159	11	a.	a.	PROPN
fbem-12627	159	12	,	,	PUNCT
fbem-12627	159	13	&	&	CCONJ
fbem-12627	159	14	siering	siering	NOUN
fbem-12627	159	15	,	,	PUNCT
fbem-12627	159	16	m.	m.	NOUN
fbem-12627	159	17	(	(	PUNCT
fbem-12627	159	18	2017	2017	NUM
fbem-12627	159	19	)	)	PUNCT
fbem-12627	159	20	.	.	PUNCT
fbem-12627	160	1	digital	digital	ADJ
fbem-12627	160	2	finance	finance	NOUN
fbem-12627	160	3	and	and	CCONJ
fbem-12627	160	4	fintech	fintech	NOUN
fbem-12627	160	5	:	:	PUNCT
fbem-12627	160	6	current	current	ADJ
fbem-12627	160	7	research	research	NOUN
fbem-12627	160	8	and	and	CCONJ
fbem-12627	160	9	future	future	ADJ
fbem-12627	160	10	research	research	NOUN
fbem-12627	160	11	directions	direction	NOUN
fbem-12627	160	12	.	.	PUNCT
fbem-12627	161	1	journal	journal	NOUN
fbem-12627	161	2	of	of	ADP
fbem-12627	161	3	business	business	NOUN
fbem-12627	161	4	economics	economic	NOUN
fbem-12627	161	5	,	,	PUNCT
fbem-12627	161	6	87	87	NUM
fbem-12627	161	7	,	,	PUNCT
fbem-12627	161	8	537	537	NUM
fbem-12627	161	9	-	-	SYM
fbem-12627	161	10	580	580	NUM
fbem-12627	161	11	.	.	PUNCT
fbem-12627	162	1	[	[	X
fbem-12627	162	2	17	17	NUM
fbem-12627	162	3	]	]	X
fbem-12627	162	4	pollari	pollari	NOUN
fbem-12627	162	5	,	,	PUNCT
fbem-12627	162	6	i.	i.	PROPN
fbem-12627	162	7	(	(	PUNCT
fbem-12627	162	8	2016	2016	NUM
fbem-12627	162	9	)	)	PUNCT
fbem-12627	162	10	.	.	PUNCT
fbem-12627	163	1	the	the	DET
fbem-12627	163	2	rise	rise	NOUN
fbem-12627	163	3	of	of	ADP
fbem-12627	163	4	fintech	fintech	NOUN
fbem-12627	163	5	opportunities	opportunity	NOUN
fbem-12627	163	6	and	and	CCONJ
fbem-12627	163	7	challenges	challenge	NOUN
fbem-12627	163	8	.	.	PUNCT
fbem-12627	164	1	jassa	jassa	ADJ
fbem-12627	164	2	,	,	PUNCT
fbem-12627	164	3	(	(	PUNCT
fbem-12627	164	4	3	3	NUM
fbem-12627	164	5	)	)	PUNCT
fbem-12627	164	6	,	,	PUNCT
fbem-12627	164	7	15	15	NUM
fbem-12627	164	8	-	-	SYM
fbem-12627	164	9	21	21	NUM
fbem-12627	164	10	.	.	PUNCT
fbem-12627	165	1	[	[	X
fbem-12627	165	2	18	18	NUM
fbem-12627	165	3	]	]	PUNCT
fbem-12627	165	4	sonawane	sonawane	NOUN
fbem-12627	165	5	,	,	PUNCT
fbem-12627	165	6	s.	s.	PROPN
fbem-12627	165	7	,	,	PUNCT
fbem-12627	165	8	&	&	CCONJ
fbem-12627	165	9	motwani	motwani	PROPN
fbem-12627	165	10	,	,	PUNCT
fbem-12627	165	11	d.	d.	PROPN
fbem-12627	165	12	(	(	PUNCT
fbem-12627	165	13	2023	2023	NUM
fbem-12627	165	14	)	)	PUNCT
fbem-12627	165	15	.	.	PUNCT
fbem-12627	166	1	modelling	model	VERB
fbem-12627	166	2	blockchain	blockchain	PROPN
fbem-12627	166	3	technology	technology	NOUN
fbem-12627	166	4	-	-	PUNCT
fbem-12627	166	5	driven	drive	VERB
fbem-12627	166	6	practices	practice	NOUN
fbem-12627	166	7	to	to	PART
fbem-12627	166	8	be	be	AUX
fbem-12627	166	9	integrated	integrate	VERB
fbem-12627	166	10	in	in	ADP
fbem-12627	166	11	fintech	fintech	NOUN
fbem-12627	166	12	for	for	ADP
fbem-12627	166	13	creating	create	VERB
fbem-12627	166	14	reliable	reliable	ADJ
fbem-12627	166	15	business	business	NOUN
fbem-12627	166	16	processes	process	NOUN
fbem-12627	166	17	.	.	PUNCT
fbem-12627	167	1	scandinavian	scandinavian	ADJ
fbem-12627	167	2	journal	journal	PROPN
fbem-12627	167	3	of	of	ADP
fbem-12627	167	4	information	information	NOUN
fbem-12627	167	5	systems	system	NOUN
fbem-12627	167	6	,	,	PUNCT
fbem-12627	167	7	35(1	35(1	NUM
fbem-12627	167	8	)	)	PUNCT
fbem-12627	167	9	,	,	PUNCT
fbem-12627	167	10	205	205	NUM
fbem-12627	167	11	-	-	SYM
fbem-12627	167	12	220	220	NUM
fbem-12627	167	13	.	.	PUNCT
fbem-12627	168	1	[	[	X
fbem-12627	168	2	19	19	NUM
fbem-12627	168	3	]	]	X
fbem-12627	168	4	singh	singh	PROPN
fbem-12627	168	5	,	,	PUNCT
fbem-12627	168	6	r.	r.	PROPN
fbem-12627	168	7	,	,	PUNCT
fbem-12627	168	8	malik	malik	PROPN
fbem-12627	168	9	,	,	PUNCT
fbem-12627	168	10	g.	g.	PROPN
fbem-12627	168	11	,	,	PUNCT
fbem-12627	168	12	&	&	CCONJ
fbem-12627	168	13	jain	jain	PROPN
fbem-12627	168	14	,	,	PUNCT
fbem-12627	168	15	v.	v.	PROPN
fbem-12627	168	16	(	(	PUNCT
fbem-12627	168	17	2021	2021	NUM
fbem-12627	168	18	)	)	PUNCT
fbem-12627	168	19	.	.	PUNCT
fbem-12627	169	1	fintech	fintech	NOUN
fbem-12627	169	2	effect	effect	NOUN
fbem-12627	169	3	:	:	PUNCT
fbem-12627	169	4	measuring	measure	VERB
fbem-12627	169	5	impact	impact	NOUN
fbem-12627	169	6	of	of	ADP
fbem-12627	169	7	fintech	fintech	NOUN
fbem-12627	169	8	adoption	adoption	NOUN
fbem-12627	169	9	on	on	ADP
fbem-12627	169	10	banks	bank	NOUN
fbem-12627	169	11	'	'	PART
fbem-12627	169	12	profitability	profitability	NOUN
fbem-12627	169	13	.	.	PUNCT
fbem-12627	170	1	international	international	ADJ
fbem-12627	170	2	journal	journal	PROPN
fbem-12627	170	3	of	of	ADP
fbem-12627	170	4	management	management	NOUN
fbem-12627	170	5	practice	practice	NOUN
fbem-12627	170	6	,	,	PUNCT
fbem-12627	170	7	14(4	14(4	NUM
fbem-12627	170	8	)	)	PUNCT
fbem-12627	170	9	,	,	PUNCT
fbem-12627	170	10	411	411	NUM
fbem-12627	170	11	-	-	SYM
fbem-12627	170	12	427	427	NUM
fbem-12627	170	13	.	.	PUNCT
fbem-12627	171	1	[	[	X
fbem-12627	171	2	20	20	NUM
fbem-12627	171	3	]	]	X
fbem-12627	171	4	gruchmann	gruchmann	ADJ
fbem-12627	171	5	,	,	PUNCT
fbem-12627	171	6	t.	t.	PROPN
fbem-12627	171	7	,	,	PUNCT
fbem-12627	171	8	&	&	CCONJ
fbem-12627	171	9	bischoff	bischoff	PROPN
fbem-12627	171	10	,	,	PUNCT
fbem-12627	171	11	o.	o.	NOUN
fbem-12627	171	12	(	(	PUNCT
fbem-12627	171	13	2021	2021	NUM
fbem-12627	171	14	)	)	PUNCT
fbem-12627	171	15	.	.	PUNCT
fbem-12627	172	1	blockchain	blockchain	PROPN
fbem-12627	172	2	-	-	PUNCT
fbem-12627	172	3	driven	drive	VERB
fbem-12627	172	4	handling	handling	NOUN
fbem-12627	172	5	of	of	ADP
fbem-12627	172	6	digital	digital	ADJ
fbem-12627	172	7	freight	freight	NOUN
fbem-12627	172	8	information	information	NOUN
fbem-12627	172	9	:	:	PUNCT
fbem-12627	172	10	a	a	DET
fbem-12627	172	11	tensions	tension	NOUN
fbem-12627	172	12	perspective	perspective	NOUN
fbem-12627	172	13	.	.	PUNCT
fbem-12627	173	1	logistics	logistic	NOUN
fbem-12627	173	2	research	research	NOUN
fbem-12627	173	3	,	,	PUNCT
fbem-12627	173	4	14(1	14(1	NUM
fbem-12627	173	5	)	)	PUNCT
fbem-12627	173	6	.	.	PUNCT
fbem-12627	174	1	[	[	X
fbem-12627	174	2	21	21	NUM
fbem-12627	174	3	]	]	X
fbem-12627	174	4	stulz	stulz	ADJ
fbem-12627	174	5	,	,	PUNCT
fbem-12627	174	6	r.	r.	PROPN
fbem-12627	174	7	m.	m.	PROPN
fbem-12627	174	8	(	(	PUNCT
fbem-12627	174	9	2019	2019	NUM
fbem-12627	174	10	)	)	PUNCT
fbem-12627	174	11	.	.	PUNCT
fbem-12627	175	1	fintech	fintech	NOUN
fbem-12627	175	2	,	,	PUNCT
fbem-12627	175	3	bigtech	bigtech	NOUN
fbem-12627	175	4	,	,	PUNCT
fbem-12627	175	5	and	and	CCONJ
fbem-12627	175	6	the	the	DET
fbem-12627	175	7	future	future	NOUN
fbem-12627	175	8	of	of	ADP
fbem-12627	175	9	banks	bank	NOUN
fbem-12627	175	10	.	.	PUNCT
fbem-12627	176	1	journal	journal	PROPN
fbem-12627	176	2	of	of	ADP
fbem-12627	176	3	applied	apply	VERB
fbem-12627	176	4	corporate	corporate	ADJ
fbem-12627	176	5	finance	finance	NOUN
fbem-12627	176	6	,	,	PUNCT
fbem-12627	176	7	31(4	31(4	NUM
fbem-12627	176	8	)	)	PUNCT
fbem-12627	176	9	,	,	PUNCT
fbem-12627	176	10	86	86	NUM
fbem-12627	176	11	-	-	SYM
fbem-12627	176	12	97	97	NUM
fbem-12627	176	13	.	.	PUNCT
fbem-12627	177	1	[	[	X
fbem-12627	177	2	22	22	NUM
fbem-12627	177	3	]	]	X
fbem-12627	177	4	leong	leong	PROPN
fbem-12627	177	5	,	,	PUNCT
fbem-12627	177	6	k.	k.	PROPN
fbem-12627	177	7	,	,	PUNCT
fbem-12627	177	8	&	&	CCONJ
fbem-12627	177	9	sung	sung	PROPN
fbem-12627	177	10	,	,	PUNCT
fbem-12627	177	11	a.	a.	NOUN
fbem-12627	177	12	(	(	PUNCT
fbem-12627	177	13	2018	2018	NUM
fbem-12627	177	14	)	)	PUNCT
fbem-12627	177	15	.	.	PUNCT
fbem-12627	178	1	fintech	fintech	NOUN
fbem-12627	178	2	(	(	PUNCT
fbem-12627	178	3	financial	financial	ADJ
fbem-12627	178	4	technology	technology	NOUN
fbem-12627	178	5	):	):	PUNCT
fbem-12627	178	6	what	what	PRON
fbem-12627	178	7	is	be	AUX
fbem-12627	178	8	it	it	PRON
fbem-12627	178	9	and	and	CCONJ
fbem-12627	178	10	how	how	SCONJ
fbem-12627	178	11	to	to	PART
fbem-12627	178	12	use	use	VERB
fbem-12627	178	13	technologies	technology	NOUN
fbem-12627	178	14	to	to	PART
fbem-12627	178	15	create	create	VERB
fbem-12627	178	16	business	business	NOUN
fbem-12627	178	17	value	value	NOUN
fbem-12627	178	18	in	in	ADP
fbem-12627	178	19	fintech	fintech	NOUN
fbem-12627	178	20	way	way	NOUN
fbem-12627	178	21	?	?	PUNCT
fbem-12627	179	1	international	international	ADJ
fbem-12627	179	2	journal	journal	NOUN
fbem-12627	179	3	of	of	ADP
fbem-12627	179	4	innovation	innovation	NOUN
fbem-12627	179	5	,	,	PUNCT
fbem-12627	179	6	management	management	NOUN
fbem-12627	179	7	and	and	CCONJ
fbem-12627	179	8	technology	technology	NOUN
fbem-12627	179	9	,	,	PUNCT
fbem-12627	179	10	9(2	9(2	NUM
fbem-12627	179	11	)	)	PUNCT
fbem-12627	179	12	,	,	PUNCT
fbem-12627	179	13	74	74	NUM
fbem-12627	179	14	-	-	SYM
fbem-12627	179	15	78	78	NUM
fbem-12627	179	16	.	.	PUNCT
fbem-12627	180	1	[	[	X
fbem-12627	180	2	23	23	NUM
fbem-12627	180	3	]	]	X
fbem-12627	180	4	mosteanu	mosteanu	NOUN
fbem-12627	180	5	,	,	PUNCT
fbem-12627	180	6	n.	n.	PROPN
fbem-12627	180	7	r.	r.	PROPN
fbem-12627	180	8	,	,	PUNCT
fbem-12627	180	9	&	&	CCONJ
fbem-12627	180	10	faccia	faccia	PROPN
fbem-12627	180	11	,	,	PUNCT
fbem-12627	180	12	a.	a.	NOUN
fbem-12627	180	13	(	(	PUNCT
fbem-12627	180	14	2021	2021	NUM
fbem-12627	180	15	)	)	PUNCT
fbem-12627	180	16	.	.	PUNCT
fbem-12627	181	1	fintech	fintech	NOUN
fbem-12627	181	2	frontiers	frontier	NOUN
fbem-12627	181	3	in	in	ADP
fbem-12627	181	4	quantum	quantum	ADJ
fbem-12627	181	5	computing	computing	NOUN
fbem-12627	181	6	,	,	PUNCT
fbem-12627	181	7	fractals	fractal	NOUN
fbem-12627	181	8	,	,	PUNCT
fbem-12627	181	9	and	and	CCONJ
fbem-12627	181	10	blockchain	blockchain	PROPN
fbem-12627	181	11	distributed	distribute	VERB
fbem-12627	181	12	ledger	ledger	NOUN
fbem-12627	181	13	:	:	PUNCT
fbem-12627	181	14	paradigm	paradigm	NOUN
fbem-12627	181	15	shifts	shift	NOUN
fbem-12627	181	16	and	and	CCONJ
fbem-12627	181	17	open	open	ADJ
fbem-12627	181	18	innovation	innovation	NOUN
fbem-12627	181	19	.	.	PUNCT
fbem-12627	182	1	journal	journal	NOUN
fbem-12627	182	2	of	of	ADP
fbem-12627	182	3	open	open	ADJ
fbem-12627	182	4	innovation	innovation	NOUN
fbem-12627	182	5	:	:	PUNCT
fbem-12627	182	6	technology	technology	NOUN
fbem-12627	182	7	,	,	PUNCT
fbem-12627	182	8	market	market	NOUN
fbem-12627	182	9	,	,	PUNCT
fbem-12627	182	10	and	and	CCONJ
fbem-12627	182	11	complexity	complexity	NOUN
fbem-12627	182	12	,	,	PUNCT
fbem-12627	182	13	7(1	7(1	NUM
fbem-12627	182	14	)	)	PUNCT
fbem-12627	182	15	,	,	PUNCT
fbem-12627	182	16	19	19	NUM
fbem-12627	182	17	.	.	PUNCT
fbem-12627	183	1	[	[	X
fbem-12627	183	2	24	24	NUM
fbem-12627	183	3	]	]	X
fbem-12627	183	4	mazlan	mazlan	NOUN
fbem-12627	183	5	,	,	PUNCT
fbem-12627	183	6	a.	a.	NOUN
fbem-12627	183	7	a.	a.	PROPN
fbem-12627	183	8	,	,	PUNCT
fbem-12627	183	9	daud	daud	PROPN
fbem-12627	183	10	,	,	PUNCT
fbem-12627	183	11	s.	s.	PROPN
fbem-12627	183	12	m.	m.	PROPN
fbem-12627	183	13	,	,	PUNCT
fbem-12627	183	14	sam	sam	PROPN
fbem-12627	183	15	,	,	PUNCT
fbem-12627	183	16	s.	s.	PROPN
fbem-12627	183	17	m.	m.	PROPN
fbem-12627	183	18	,	,	PUNCT
fbem-12627	183	19	abas	abas	PROPN
fbem-12627	183	20	,	,	PUNCT
fbem-12627	183	21	h.	h.	PROPN
fbem-12627	183	22	,	,	PUNCT
fbem-12627	183	23	rasid	rasid	PROPN
fbem-12627	183	24	,	,	PUNCT
fbem-12627	183	25	s.	s.	PROPN
fbem-12627	183	26	z.	z.	PROPN
fbem-12627	183	27	a.	a.	PROPN
fbem-12627	183	28	,	,	PUNCT
fbem-12627	183	29	&	&	CCONJ
fbem-12627	183	30	yusof	yusof	PROPN
fbem-12627	183	31	,	,	PUNCT
fbem-12627	183	32	m.	m.	NOUN
fbem-12627	183	33	f.	f.	PROPN
fbem-12627	183	34	(	(	PUNCT
fbem-12627	183	35	2020	2020	NUM
fbem-12627	183	36	)	)	PUNCT
fbem-12627	183	37	.	.	PUNCT
fbem-12627	184	1	scalability	scalability	NOUN
fbem-12627	184	2	challenges	challenge	NOUN
fbem-12627	184	3	in	in	ADP
fbem-12627	184	4	healthcare	healthcare	PROPN
fbem-12627	184	5	blockchain	blockchain	PROPN
fbem-12627	184	6	system	system	PROPN
fbem-12627	184	7	—	—	PUNCT
fbem-12627	184	8	a	a	DET
fbem-12627	184	9	systematic	systematic	ADJ
fbem-12627	184	10	review	review	NOUN
fbem-12627	184	11	.	.	PUNCT
fbem-12627	185	1	ieee	ieee	NOUN
fbem-12627	185	2	access	access	NOUN
fbem-12627	185	3	,	,	PUNCT
fbem-12627	185	4	8	8	NUM
fbem-12627	185	5	,	,	PUNCT
fbem-12627	185	6	23663	23663	NUM
fbem-12627	185	7	-	-	SYM
fbem-12627	185	8	23673	23673	NUM
fbem-12627	185	9	.	.	PUNCT
fbem-12627	186	1	[	[	X
fbem-12627	186	2	25	25	NUM
fbem-12627	186	3	]	]	PUNCT
fbem-12627	186	4	javaid	javaid	NOUN
fbem-12627	186	5	,	,	PUNCT
fbem-12627	186	6	m.	m.	NOUN
fbem-12627	186	7	,	,	PUNCT
fbem-12627	186	8	haleem	haleem	PROPN
fbem-12627	186	9	,	,	PUNCT
fbem-12627	186	10	a.	a.	PROPN
fbem-12627	186	11	,	,	PUNCT
fbem-12627	186	12	singh	singh	PROPN
fbem-12627	186	13	,	,	PUNCT
fbem-12627	186	14	r.	r.	PROPN
fbem-12627	186	15	p.	p.	PROPN
fbem-12627	186	16	,	,	PUNCT
fbem-12627	186	17	suman	suman	PROPN
fbem-12627	186	18	,	,	PUNCT
fbem-12627	186	19	r.	r.	PROPN
fbem-12627	186	20	,	,	PUNCT
fbem-12627	186	21	&	&	CCONJ
fbem-12627	186	22	khan	khan	PROPN
fbem-12627	186	23	,	,	PUNCT
fbem-12627	186	24	s.	s.	PROPN
fbem-12627	186	25	(	(	PUNCT
fbem-12627	186	26	2022	2022	NUM
fbem-12627	186	27	)	)	PUNCT
fbem-12627	186	28	.	.	PUNCT
fbem-12627	187	1	a	a	DET
fbem-12627	187	2	review	review	NOUN
fbem-12627	187	3	of	of	ADP
fbem-12627	187	4	blockchain	blockchain	PROPN
fbem-12627	187	5	technology	technology	PROPN
fbem-12627	187	6	applications	application	NOUN
fbem-12627	187	7	for	for	ADP
fbem-12627	187	8	financial	financial	ADJ
fbem-12627	187	9	services	service	NOUN
fbem-12627	187	10	.	.	PUNCT
fbem-12627	188	1	bench	bench	PROPN
fbem-12627	188	2	council	council	NOUN
fbem-12627	188	3	transactions	transaction	NOUN
fbem-12627	188	4	on	on	ADP
fbem-12627	188	5	benchmarks	benchmark	NOUN
fbem-12627	188	6	,	,	PUNCT
fbem-12627	188	7	standards	standard	NOUN
fbem-12627	188	8	and	and	CCONJ
fbem-12627	188	9	evaluations	evaluation	NOUN
fbem-12627	188	10	,	,	PUNCT
fbem-12627	188	11	100073	100073	NUM
fbem-12627	188	12	.	.	PUNCT
fbem-12627	189	1	[	[	X
fbem-12627	189	2	26	26	NUM
fbem-12627	189	3	]	]	X
fbem-12627	189	4	al	al	PROPN
fbem-12627	189	5	-	-	PUNCT
fbem-12627	189	6	rakhami	rakhami	PROPN
fbem-12627	189	7	,	,	PUNCT
fbem-12627	189	8	m.	m.	NOUN
fbem-12627	189	9	,	,	PUNCT
fbem-12627	189	10	&	&	CCONJ
fbem-12627	189	11	al	al	PROPN
fbem-12627	189	12	-	-	PUNCT
fbem-12627	189	13	mashari	mashari	PROPN
fbem-12627	189	14	,	,	PUNCT
fbem-12627	189	15	m.	m.	NOUN
fbem-12627	189	16	(	(	PUNCT
fbem-12627	189	17	2022	2022	NUM
fbem-12627	189	18	)	)	PUNCT
fbem-12627	189	19	.	.	PUNCT
fbem-12627	190	1	interoperability	interoperability	NOUN
fbem-12627	190	2	approaches	approach	NOUN
fbem-12627	190	3	of	of	ADP
fbem-12627	190	4	blockchain	blockchain	PROPN
fbem-12627	190	5	technology	technology	PROPN
fbem-12627	190	6	for	for	ADP
fbem-12627	190	7	supply	supply	NOUN
fbem-12627	190	8	chain	chain	NOUN
fbem-12627	190	9	systems	system	NOUN
fbem-12627	190	10	.	.	PUNCT
fbem-12627	191	1	business	business	NOUN
fbem-12627	191	2	process	process	NOUN
fbem-12627	191	3	management	management	NOUN
fbem-12627	191	4	journal	journal	NOUN
fbem-12627	191	5	,	,	PUNCT
fbem-12627	191	6	28(5/6	28(5/6	NOUN
fbem-12627	191	7	)	)	PUNCT
fbem-12627	191	8	,	,	PUNCT
fbem-12627	191	9	1251	1251	NUM
fbem-12627	191	10	-	-	SYM
fbem-12627	191	11	1276	1276	NUM
fbem-12627	191	12	.	.	PUNCT
fbem-12627	192	1	[	[	X
fbem-12627	192	2	27	27	NUM
fbem-12627	192	3	]	]	SYM
fbem-12627	192	4	li	li	PROPN
fbem-12627	192	5	,	,	PUNCT
fbem-12627	192	6	x.	x.	PROPN
fbem-12627	192	7	,	,	PUNCT
fbem-12627	192	8	&	&	CCONJ
fbem-12627	192	9	wang	wang	PROPN
fbem-12627	192	10	,	,	PUNCT
fbem-12627	192	11	c.	c.	PROPN
fbem-12627	192	12	a.	a.	PROPN
fbem-12627	192	13	(	(	PUNCT
fbem-12627	192	14	2017	2017	NUM
fbem-12627	192	15	)	)	PUNCT
fbem-12627	192	16	.	.	PUNCT
fbem-12627	193	1	the	the	DET
fbem-12627	193	2	technology	technology	NOUN
fbem-12627	193	3	and	and	CCONJ
fbem-12627	193	4	economic	economic	ADJ
fbem-12627	193	5	determinants	determinant	NOUN
fbem-12627	193	6	of	of	ADP
fbem-12627	193	7	cryptocurrency	cryptocurrency	NOUN
fbem-12627	193	8	exchange	exchange	NOUN
fbem-12627	193	9	rates	rate	NOUN
fbem-12627	193	10	:	:	PUNCT
fbem-12627	193	11	the	the	DET
fbem-12627	193	12	case	case	NOUN
fbem-12627	193	13	of	of	ADP
fbem-12627	193	14	bitcoin	bitcoin	NOUN
fbem-12627	193	15	.	.	PUNCT
fbem-12627	194	1	decision	decision	NOUN
fbem-12627	194	2	support	support	NOUN
fbem-12627	194	3	systems	system	NOUN
fbem-12627	194	4	,	,	PUNCT
fbem-12627	194	5	95	95	NUM
fbem-12627	194	6	,	,	PUNCT
fbem-12627	194	7	49	49	NUM
fbem-12627	194	8	-	-	SYM
fbem-12627	194	9	60	60	NUM
fbem-12627	194	10	.	.	PUNCT
fbem-12627	195	1	[	[	X
fbem-12627	195	2	28	28	NUM
fbem-12627	195	3	]	]	X
fbem-12627	195	4	amir	amir	PROPN
fbem-12627	195	5	latif	latif	PROPN
fbem-12627	195	6	,	,	PUNCT
fbem-12627	195	7	r.	r.	PROPN
fbem-12627	195	8	m.	m.	PROPN
fbem-12627	195	9	,	,	PUNCT
fbem-12627	195	10	hussain	hussain	PROPN
fbem-12627	195	11	,	,	PUNCT
fbem-12627	195	12	k.	k.	PROPN
fbem-12627	195	13	,	,	PUNCT
fbem-12627	195	14	jhanjhi	jhanjhi	PROPN
fbem-12627	195	15	,	,	PUNCT
fbem-12627	195	16	n.	n.	PROPN
fbem-12627	195	17	z.	z.	PROPN
fbem-12627	195	18	,	,	PUNCT
fbem-12627	195	19	nayyar	nayyar	PROPN
fbem-12627	195	20	,	,	PUNCT
fbem-12627	195	21	a.	a.	PROPN
fbem-12627	195	22	,	,	PUNCT
fbem-12627	195	23	&	&	CCONJ
fbem-12627	195	24	rizwan	rizwan	PROPN
fbem-12627	195	25	,	,	PUNCT
fbem-12627	195	26	o.	o.	PROPN
fbem-12627	195	27	(	(	PUNCT
fbem-12627	195	28	2020	2020	NUM
fbem-12627	195	29	)	)	PUNCT
fbem-12627	195	30	.	.	PUNCT
fbem-12627	196	1	a	a	DET
fbem-12627	196	2	remix	remix	NOUN
fbem-12627	196	3	ide	ide	NOUN
fbem-12627	196	4	:	:	PUNCT
fbem-12627	196	5	smart	smart	ADJ
fbem-12627	196	6	contract	contract	NOUN
fbem-12627	196	7	-	-	PUNCT
fbem-12627	196	8	based	base	VERB
fbem-12627	196	9	framework	framework	NOUN
fbem-12627	196	10	for	for	ADP
fbem-12627	196	11	the	the	DET
fbem-12627	196	12	healthcare	healthcare	NOUN
fbem-12627	196	13	sector	sector	NOUN
fbem-12627	196	14	by	by	ADP
fbem-12627	196	15	using	use	VERB
fbem-12627	196	16	blockchain	blockchain	PROPN
fbem-12627	196	17	technology	technology	PROPN
fbem-12627	196	18	.	.	PUNCT
fbem-12627	197	1	multimedia	multimedia	NOUN
fbem-12627	197	2	tools	tool	NOUN
fbem-12627	197	3	and	and	CCONJ
fbem-12627	197	4	applications	application	NOUN
fbem-12627	197	5	,	,	PUNCT
fbem-12627	197	6	1	1	NUM
fbem-12627	197	7	-	-	SYM
fbem-12627	197	8	24	24	NUM
fbem-12627	197	9	.	.	PUNCT