id	sid	tid	token	lemma	pos
fbem-15360	1	1	frontiers	frontier	NOUN
fbem-15360	1	2	in	in	ADP
fbem-15360	1	3	business	business	NOUN
fbem-15360	1	4	,	,	PUNCT
fbem-15360	1	5	economics	economic	NOUN
fbem-15360	1	6	and	and	CCONJ
fbem-15360	1	7	management	management	NOUN
fbem-15360	1	8	issn	issn	PROPN
fbem-15360	1	9	:	:	PUNCT
fbem-15360	1	10	2766	2766	NUM
fbem-15360	1	11	-	-	PUNCT
fbem-15360	1	12	824x	824x	NUM
fbem-15360	1	13	|	|	ADJ
fbem-15360	1	14	vol	vol	NOUN
fbem-15360	1	15	.	.	PROPN
fbem-15360	1	16	12	12	NUM
fbem-15360	1	17	,	,	PUNCT
fbem-15360	1	18	no	no	INTJ
fbem-15360	1	19	.	.	NOUN
fbem-15360	1	20	3	3	NUM
fbem-15360	1	21	,	,	PUNCT
fbem-15360	1	22	2023	2023	NUM
fbem-15360	1	23	12	12	NUM
fbem-15360	1	24	challenges	challenge	NOUN
fbem-15360	1	25	and	and	CCONJ
fbem-15360	1	26	development	development	NOUN
fbem-15360	1	27	of	of	ADP
fbem-15360	1	28	fintech	fintech	NOUN
fbem-15360	1	29	in	in	ADP
fbem-15360	1	30	the	the	DET
fbem-15360	1	31	era	era	NOUN
fbem-15360	1	32	of	of	ADP
fbem-15360	1	33	artificial	artificial	ADJ
fbem-15360	1	34	intelligence	intelligence	NOUN
fbem-15360	1	35	kejia	kejia	PROPN
fbem-15360	1	36	duan1	duan1	PROPN
fbem-15360	1	37	,	,	PUNCT
fbem-15360	1	38	a	a	DET
fbem-15360	1	39	1department	1department	NUM
fbem-15360	1	40	of	of	ADP
fbem-15360	1	41	business	business	NOUN
fbem-15360	1	42	,	,	PUNCT
fbem-15360	1	43	nanjing	nanjing	PROPN
fbem-15360	1	44	audit	audit	PROPN
fbem-15360	1	45	university	university	PROPN
fbem-15360	1	46	,	,	PUNCT
fbem-15360	1	47	nanjing	nanjing	PROPN
fbem-15360	1	48	,	,	PUNCT
fbem-15360	1	49	211815	211815	NUM
fbem-15360	1	50	,	,	PUNCT
fbem-15360	1	51	china	china	PROPN
fbem-15360	1	52	azp238@outlook.com	azp238@outlook.com	PROPN
fbem-15360	1	53	abstract	abstract	NOUN
fbem-15360	1	54	:	:	PUNCT
fbem-15360	1	55	this	this	DET
fbem-15360	1	56	essay	essay	NOUN
fbem-15360	1	57	explores	explore	VERB
fbem-15360	1	58	the	the	DET
fbem-15360	1	59	challenges	challenge	NOUN
fbem-15360	1	60	and	and	CCONJ
fbem-15360	1	61	developments	development	NOUN
fbem-15360	1	62	of	of	ADP
fbem-15360	1	63	fintech	fintech	NOUN
fbem-15360	1	64	in	in	ADP
fbem-15360	1	65	the	the	DET
fbem-15360	1	66	era	era	NOUN
fbem-15360	1	67	of	of	ADP
fbem-15360	1	68	artificial	artificial	ADJ
fbem-15360	1	69	intelligence	intelligence	NOUN
fbem-15360	1	70	(	(	PUNCT
fbem-15360	1	71	ai	ai	NOUN
fbem-15360	1	72	)	)	PUNCT
fbem-15360	1	73	.	.	PUNCT
fbem-15360	2	1	it	it	PRON
fbem-15360	2	2	highlights	highlight	VERB
fbem-15360	2	3	the	the	DET
fbem-15360	2	4	potential	potential	ADJ
fbem-15360	2	5	benefits	benefit	NOUN
fbem-15360	2	6	of	of	ADP
fbem-15360	2	7	ai	ai	VERB
fbem-15360	2	8	in	in	ADP
fbem-15360	2	9	automating	automate	VERB
fbem-15360	2	10	processes	process	NOUN
fbem-15360	2	11	,	,	PUNCT
fbem-15360	2	12	enhancing	enhance	VERB
fbem-15360	2	13	decision	decision	NOUN
fbem-15360	2	14	-	-	PUNCT
fbem-15360	2	15	making	making	NOUN
fbem-15360	2	16	,	,	PUNCT
fbem-15360	2	17	and	and	CCONJ
fbem-15360	2	18	delivering	deliver	VERB
fbem-15360	2	19	personalized	personalize	VERB
fbem-15360	2	20	financial	financial	ADJ
fbem-15360	2	21	services	service	NOUN
fbem-15360	2	22	.	.	PUNCT
fbem-15360	3	1	however	however	ADV
fbem-15360	3	2	,	,	PUNCT
fbem-15360	3	3	it	it	PRON
fbem-15360	3	4	also	also	ADV
fbem-15360	3	5	identifies	identify	VERB
fbem-15360	3	6	corresponding	correspond	VERB
fbem-15360	3	7	risks	risk	NOUN
fbem-15360	3	8	associated	associate	VERB
fbem-15360	3	9	with	with	ADP
fbem-15360	3	10	the	the	DET
fbem-15360	3	11	use	use	NOUN
fbem-15360	3	12	of	of	ADP
fbem-15360	3	13	ai	ai	ADJ
fbem-15360	3	14	tools	tool	NOUN
fbem-15360	3	15	,	,	PUNCT
fbem-15360	3	16	including	include	VERB
fbem-15360	3	17	the	the	DET
fbem-15360	3	18	source	source	NOUN
fbem-15360	3	19	of	of	ADP
fbem-15360	3	20	data	datum	NOUN
fbem-15360	3	21	,	,	PUNCT
fbem-15360	3	22	the	the	DET
fbem-15360	3	23	reliability	reliability	NOUN
fbem-15360	3	24	of	of	ADP
fbem-15360	3	25	financial	financial	ADJ
fbem-15360	3	26	decisions	decision	NOUN
fbem-15360	3	27	,	,	PUNCT
fbem-15360	3	28	and	and	CCONJ
fbem-15360	3	29	potential	potential	ADJ
fbem-15360	3	30	disruption	disruption	NOUN
fbem-15360	3	31	to	to	ADP
fbem-15360	3	32	the	the	DET
fbem-15360	3	33	financial	financial	ADJ
fbem-15360	3	34	industry	industry	NOUN
fbem-15360	3	35	.	.	PUNCT
fbem-15360	4	1	the	the	DET
fbem-15360	4	2	essay	essay	NOUN
fbem-15360	4	3	proposes	propose	VERB
fbem-15360	4	4	effective	effective	ADJ
fbem-15360	4	5	strategies	strategy	NOUN
fbem-15360	4	6	to	to	PART
fbem-15360	4	7	address	address	VERB
fbem-15360	4	8	these	these	DET
fbem-15360	4	9	challenges	challenge	NOUN
fbem-15360	4	10	and	and	CCONJ
fbem-15360	4	11	discusses	discuss	VERB
fbem-15360	4	12	the	the	DET
fbem-15360	4	13	role	role	NOUN
fbem-15360	4	14	of	of	ADP
fbem-15360	4	15	ai	ai	VERB
fbem-15360	4	16	in	in	ADP
fbem-15360	4	17	shaping	shape	VERB
fbem-15360	4	18	the	the	DET
fbem-15360	4	19	future	future	NOUN
fbem-15360	4	20	of	of	ADP
fbem-15360	4	21	fintech	fintech	NOUN
fbem-15360	4	22	.	.	PUNCT
fbem-15360	5	1	keywords	keyword	NOUN
fbem-15360	5	2	:	:	PUNCT
fbem-15360	5	3	artificial	artificial	ADJ
fbem-15360	5	4	intelligence	intelligence	NOUN
fbem-15360	5	5	,	,	PUNCT
fbem-15360	5	6	fintech	fintech	NOUN
fbem-15360	5	7	,	,	PUNCT
fbem-15360	5	8	automation	automation	NOUN
fbem-15360	5	9	,	,	PUNCT
fbem-15360	5	10	decision	decision	NOUN
fbem-15360	5	11	-	-	PUNCT
fbem-15360	5	12	making	making	NOUN
fbem-15360	5	13	.	.	PUNCT
fbem-15360	6	1	1	1	X
fbem-15360	6	2	.	.	X
fbem-15360	6	3	introduction	introduction	NOUN
fbem-15360	6	4	background	background	NOUN
fbem-15360	6	5	in	in	ADP
fbem-15360	6	6	november	november	PROPN
fbem-15360	6	7	2022	2022	NUM
fbem-15360	6	8	,	,	PUNCT
fbem-15360	6	9	open	open	ADJ
fbem-15360	6	10	ai	ai	VERB
fbem-15360	6	11	launched	launch	VERB
fbem-15360	6	12	chatgpt	chatgpt	NOUN
fbem-15360	6	13	,	,	PUNCT
fbem-15360	6	14	the	the	DET
fbem-15360	6	15	newest	new	ADJ
fbem-15360	6	16	ai	ai	VERB
fbem-15360	6	17	language	language	NOUN
fbem-15360	6	18	model	model	NOUN
fbem-15360	6	19	,	,	PUNCT
fbem-15360	6	20	which	which	PRON
fbem-15360	6	21	uses	use	VERB
fbem-15360	6	22	extremely	extremely	ADV
fbem-15360	6	23	large	large	ADJ
fbem-15360	6	24	data	datum	NOUN
fbem-15360	6	25	and	and	CCONJ
fbem-15360	6	26	enhanced	enhanced	ADJ
fbem-15360	6	27	learning	learn	VERB
fbem-15360	6	28	algorithms	algorithm	NOUN
fbem-15360	6	29	to	to	PART
fbem-15360	6	30	provide	provide	VERB
fbem-15360	6	31	generated	generate	VERB
fbem-15360	6	32	dialogue	dialogue	NOUN
fbem-15360	6	33	responses	response	NOUN
fbem-15360	6	34	to	to	ADP
fbem-15360	6	35	questions	question	NOUN
fbem-15360	6	36	.	.	PUNCT
fbem-15360	7	1	as	as	ADP
fbem-15360	7	2	a	a	DET
fbem-15360	7	3	result	result	NOUN
fbem-15360	7	4	of	of	ADP
fbem-15360	7	5	its	its	PRON
fbem-15360	7	6	powerful	powerful	ADJ
fbem-15360	7	7	algorithms	algorithm	NOUN
fbem-15360	7	8	and	and	CCONJ
fbem-15360	7	9	data	datum	NOUN
fbem-15360	7	10	providing	provide	VERB
fbem-15360	7	11	relatively	relatively	ADV
fbem-15360	7	12	reliable	reliable	ADJ
fbem-15360	7	13	responses	response	NOUN
fbem-15360	7	14	,	,	PUNCT
fbem-15360	7	15	the	the	DET
fbem-15360	7	16	platform	platform	NOUN
fbem-15360	7	17	reached	reach	VERB
fbem-15360	7	18	over	over	ADP
fbem-15360	7	19	a	a	DET
fbem-15360	7	20	million	million	NUM
fbem-15360	7	21	users	user	NOUN
fbem-15360	7	22	in	in	ADP
fbem-15360	7	23	its	its	PRON
fbem-15360	7	24	first	first	ADJ
fbem-15360	7	25	week	week	NOUN
fbem-15360	7	26	of	of	ADP
fbem-15360	7	27	public	public	ADJ
fbem-15360	7	28	availability	availability	NOUN
fbem-15360	7	29	and	and	CCONJ
fbem-15360	7	30	was	be	AUX
fbem-15360	7	31	quickly	quickly	ADV
fbem-15360	7	32	dubbed	dub	VERB
fbem-15360	7	33	"	"	PUNCT
fbem-15360	7	34	the	the	DET
fbem-15360	7	35	next	next	ADJ
fbem-15360	7	36	big	big	ADJ
fbem-15360	7	37	disruptor	disruptor	NOUN
fbem-15360	7	38	in	in	ADP
fbem-15360	7	39	the	the	DET
fbem-15360	7	40	industry"[1].and	industry"[1].and	NOUN
fbem-15360	7	41	in	in	ADP
fbem-15360	7	42	the	the	DET
fbem-15360	7	43	months	month	NOUN
fbem-15360	7	44	following	follow	VERB
fbem-15360	7	45	the	the	DET
fbem-15360	7	46	opening	opening	NOUN
fbem-15360	7	47	of	of	ADP
fbem-15360	7	48	chatgpt	chatgpt	NOUN
fbem-15360	7	49	,	,	PUNCT
fbem-15360	7	50	with	with	ADP
fbem-15360	7	51	news	news	NOUN
fbem-15360	7	52	of	of	ADP
fbem-15360	7	53	internet	internet	NOUN
fbem-15360	7	54	companies	company	NOUN
fbem-15360	7	55	developing	develop	VERB
fbem-15360	7	56	their	their	PRON
fbem-15360	7	57	own	own	ADJ
fbem-15360	7	58	ai	ai	NOUN
fbem-15360	7	59	language	language	NOUN
fbem-15360	7	60	models	model	NOUN
fbem-15360	7	61	and	and	CCONJ
fbem-15360	7	62	chatgpt	chatgpt	NOUN
fbem-15360	7	63	"	"	PUNCT
fbem-15360	7	64	evolving	evolve	VERB
fbem-15360	7	65	"	"	PUNCT
fbem-15360	7	66	to	to	PART
fbem-15360	7	67	version	version	VERB
fbem-15360	7	68	4.0	4.0	NUM
fbem-15360	7	69	,	,	PUNCT
fbem-15360	7	70	ai	ai	AUX
fbem-15360	7	71	is	be	AUX
fbem-15360	7	72	flourishing	flourish	VERB
fbem-15360	7	73	and	and	CCONJ
fbem-15360	7	74	exploding	explode	VERB
fbem-15360	7	75	.	.	PUNCT
fbem-15360	8	1	due	due	ADP
fbem-15360	8	2	to	to	ADP
fbem-15360	8	3	the	the	DET
fbem-15360	8	4	many	many	ADJ
fbem-15360	8	5	recent	recent	ADJ
fbem-15360	8	6	applications	application	NOUN
fbem-15360	8	7	of	of	ADP
fbem-15360	8	8	ai	ai	VERB
fbem-15360	8	9	in	in	ADP
fbem-15360	8	10	the	the	DET
fbem-15360	8	11	fintech	fintech	NOUN
fbem-15360	8	12	sector	sector	NOUN
fbem-15360	8	13	,	,	PUNCT
fbem-15360	8	14	another	another	DET
fbem-15360	8	15	author	author	NOUN
fbem-15360	8	16	managed	manage	VERB
fbem-15360	8	17	to	to	PART
fbem-15360	8	18	produce	produce	VERB
fbem-15360	8	19	a	a	DET
fbem-15360	8	20	fairly	fairly	ADV
fbem-15360	8	21	comprehensive	comprehensive	ADJ
fbem-15360	8	22	guide	guide	NOUN
fbem-15360	8	23	to	to	ADP
fbem-15360	8	24	quantitative	quantitative	ADJ
fbem-15360	8	25	trading	trading	NOUN
fbem-15360	8	26	,	,	PUNCT
fbem-15360	8	27	almost	almost	ADV
fbem-15360	8	28	entirely	entirely	ADV
fbem-15360	8	29	exported	export	VERB
fbem-15360	8	30	through	through	ADP
fbem-15360	8	31	chatgpt	chatgpt	NOUN
fbem-15360	8	32	.	.	PUNCT
fbem-15360	9	1	it	it	PRON
fbem-15360	9	2	proves	prove	VERB
fbem-15360	9	3	the	the	DET
fbem-15360	9	4	tremendous	tremendous	ADJ
fbem-15360	9	5	growth	growth	NOUN
fbem-15360	9	6	and	and	CCONJ
fbem-15360	9	7	potential	potential	NOUN
fbem-15360	9	8	of	of	ADP
fbem-15360	9	9	ai	ai	NOUN
fbem-15360	9	10	in	in	ADP
fbem-15360	9	11	fintech	fintech	NOUN
fbem-15360	9	12	,	,	PUNCT
fbem-15360	9	13	financial	financial	ADJ
fbem-15360	9	14	analytics	analytic	NOUN
fbem-15360	9	15	and	and	CCONJ
fbem-15360	9	16	social	social	ADJ
fbem-15360	9	17	intelligence	intelligence	NOUN
fbem-15360	9	18	.	.	PUNCT
fbem-15360	10	1	artificial	artificial	ADJ
fbem-15360	10	2	intelligence	intelligence	NOUN
fbem-15360	10	3	(	(	PUNCT
fbem-15360	10	4	ai	ai	NOUN
fbem-15360	10	5	)	)	PUNCT
fbem-15360	10	6	has	have	AUX
fbem-15360	10	7	become	become	VERB
fbem-15360	10	8	a	a	DET
fbem-15360	10	9	key	key	ADJ
fbem-15360	10	10	driver	driver	NOUN
fbem-15360	10	11	of	of	ADP
fbem-15360	10	12	fintech	fintech	NOUN
fbem-15360	10	13	innovation	innovation	NOUN
fbem-15360	10	14	,	,	PUNCT
fbem-15360	10	15	providing	provide	VERB
fbem-15360	10	16	new	new	ADJ
fbem-15360	10	17	ways	way	NOUN
fbem-15360	10	18	to	to	ADP
fbem-15360	10	19	automate	automate	NOUN
fbem-15360	10	20	processes	process	NOUN
fbem-15360	10	21	,	,	PUNCT
fbem-15360	10	22	enhance	enhance	VERB
fbem-15360	10	23	decision	decision	NOUN
fbem-15360	10	24	-	-	PUNCT
fbem-15360	10	25	making	making	NOUN
fbem-15360	10	26	and	and	CCONJ
fbem-15360	10	27	deliver	deliver	VERB
fbem-15360	10	28	personalised	personalised	ADJ
fbem-15360	10	29	financial	financial	ADJ
fbem-15360	10	30	services	service	NOUN
fbem-15360	10	31	.	.	PUNCT
fbem-15360	11	1	despite	despite	SCONJ
fbem-15360	11	2	the	the	DET
fbem-15360	11	3	potential	potential	ADJ
fbem-15360	11	4	benefits	benefit	NOUN
fbem-15360	11	5	of	of	ADP
fbem-15360	11	6	ai	ai	VERB
fbem-15360	11	7	in	in	ADP
fbem-15360	11	8	fintech	fintech	NOUN
fbem-15360	11	9	,	,	PUNCT
fbem-15360	11	10	there	there	PRON
fbem-15360	11	11	are	be	VERB
fbem-15360	11	12	corresponding	correspond	VERB
fbem-15360	11	13	risks	risk	NOUN
fbem-15360	11	14	associated	associate	VERB
fbem-15360	11	15	with	with	ADP
fbem-15360	11	16	the	the	DET
fbem-15360	11	17	use	use	NOUN
fbem-15360	11	18	of	of	ADP
fbem-15360	11	19	ai	ai	ADJ
fbem-15360	11	20	tools	tool	NOUN
fbem-15360	11	21	.	.	PUNCT
fbem-15360	12	1	these	these	DET
fbem-15360	12	2	challenges	challenge	NOUN
fbem-15360	12	3	include	include	VERB
fbem-15360	12	4	the	the	DET
fbem-15360	12	5	source	source	NOUN
fbem-15360	12	6	of	of	ADP
fbem-15360	12	7	data	datum	NOUN
fbem-15360	12	8	[	[	X
fbem-15360	12	9	2	2	NUM
fbem-15360	12	10	]	]	PUNCT
fbem-15360	12	11	,	,	PUNCT
fbem-15360	12	12	the	the	DET
fbem-15360	12	13	reliability	reliability	NOUN
fbem-15360	12	14	of	of	ADP
fbem-15360	12	15	financial	financial	ADJ
fbem-15360	12	16	decisions	decision	NOUN
fbem-15360	12	17	,	,	PUNCT
fbem-15360	12	18	and	and	CCONJ
fbem-15360	12	19	disruption	disruption	NOUN
fbem-15360	12	20	to	to	ADP
fbem-15360	12	21	the	the	DET
fbem-15360	12	22	financial	financial	ADJ
fbem-15360	12	23	industry	industry	NOUN
fbem-15360	12	24	.	.	PUNCT
fbem-15360	13	1	in	in	ADP
fbem-15360	13	2	this	this	DET
fbem-15360	13	3	context	context	NOUN
fbem-15360	13	4	,	,	PUNCT
fbem-15360	13	5	it	it	PRON
fbem-15360	13	6	is	be	AUX
fbem-15360	13	7	crucial	crucial	ADJ
fbem-15360	13	8	to	to	PART
fbem-15360	13	9	understand	understand	VERB
fbem-15360	13	10	the	the	DET
fbem-15360	13	11	challenges	challenge	NOUN
fbem-15360	13	12	and	and	CCONJ
fbem-15360	13	13	developments	development	NOUN
fbem-15360	13	14	in	in	ADP
fbem-15360	13	15	fintech	fintech	NOUN
fbem-15360	13	16	in	in	ADP
fbem-15360	13	17	the	the	DET
fbem-15360	13	18	era	era	NOUN
fbem-15360	13	19	of	of	ADP
fbem-15360	13	20	ai	ai	NOUN
fbem-15360	13	21	and	and	CCONJ
fbem-15360	13	22	to	to	PART
fbem-15360	13	23	propose	propose	VERB
fbem-15360	13	24	effective	effective	ADJ
fbem-15360	13	25	strategies	strategy	NOUN
fbem-15360	13	26	to	to	PART
fbem-15360	13	27	address	address	VERB
fbem-15360	13	28	them	they	PRON
fbem-15360	13	29	.	.	PUNCT
fbem-15360	14	1	aim	aim	VERB
fbem-15360	14	2	this	this	DET
fbem-15360	14	3	essay	essay	PROPN
fbem-15360	14	4	explores	explore	NOUN
fbem-15360	14	5	ai	ai	VERB
fbem-15360	14	6	and	and	CCONJ
fbem-15360	14	7	fintech	fintech	NOUN
fbem-15360	14	8	in	in	ADP
fbem-15360	14	9	four	four	NUM
fbem-15360	14	10	main	main	ADJ
fbem-15360	14	11	areas.1	areas.1	NOUN
fbem-15360	14	12	,	,	PUNCT
fbem-15360	14	13	how	how	SCONJ
fbem-15360	14	14	to	to	PART
fbem-15360	14	15	rationalise	rationalise	VERB
fbem-15360	14	16	the	the	DET
fbem-15360	14	17	use	use	NOUN
fbem-15360	14	18	of	of	ADP
fbem-15360	14	19	ai	ai	ADJ
fbem-15360	14	20	-	-	PUNCT
fbem-15360	14	21	advanced	advanced	ADJ
fbem-15360	14	22	technological	technological	ADJ
fbem-15360	14	23	solutions	solution	NOUN
fbem-15360	14	24	to	to	PART
fbem-15360	14	25	improve	improve	VERB
fbem-15360	14	26	and	and	CCONJ
fbem-15360	14	27	deliver	deliver	VERB
fbem-15360	14	28	automated	automate	VERB
fbem-15360	14	29	financial	financial	ADJ
fbem-15360	14	30	services	service	NOUN
fbem-15360	14	31	in	in	ADP
fbem-15360	14	32	fintech.2	fintech.2	NOUN
fbem-15360	14	33	.	.	PUNCT
fbem-15360	15	1	further	further	ADJ
fbem-15360	15	2	development	development	NOUN
fbem-15360	15	3	of	of	ADP
fbem-15360	15	4	ai	ai	PROPN
fbem-15360	15	5	language	language	NOUN
fbem-15360	15	6	models	model	NOUN
fbem-15360	15	7	and	and	CCONJ
fbem-15360	15	8	how	how	SCONJ
fbem-15360	15	9	to	to	PART
fbem-15360	15	10	make	make	VERB
fbem-15360	15	11	ai	ai	VERB
fbem-15360	15	12	more	more	ADV
fbem-15360	15	13	reliable	reliable	ADJ
fbem-15360	15	14	in	in	ADP
fbem-15360	15	15	performing	perform	VERB
fbem-15360	15	16	tasks	task	NOUN
fbem-15360	15	17	that	that	PRON
fbem-15360	15	18	typically	typically	ADV
fbem-15360	15	19	require	require	VERB
fbem-15360	15	20	human	human	ADJ
fbem-15360	15	21	intelligence	intelligence	NOUN
fbem-15360	15	22	,	,	PUNCT
fbem-15360	15	23	such	such	ADJ
fbem-15360	15	24	as	as	ADP
fbem-15360	15	25	learning	learning	NOUN
fbem-15360	15	26	,	,	PUNCT
fbem-15360	15	27	problem	problem	NOUN
fbem-15360	15	28	solving	solving	NOUN
fbem-15360	15	29	and	and	CCONJ
fbem-15360	15	30	decision	decision	NOUN
fbem-15360	15	31	making.3	making.3	PROPN
fbem-15360	15	32	.	.	PUNCT
fbem-15360	15	33	challenges	challenge	NOUN
fbem-15360	15	34	for	for	ADP
fbem-15360	15	35	the	the	DET
fbem-15360	15	36	financial	financial	ADJ
fbem-15360	15	37	industry	industry	NOUN
fbem-15360	15	38	:	:	PUNCT
fbem-15360	15	39	exploring	explore	VERB
fbem-15360	15	40	the	the	DET
fbem-15360	15	41	challenges	challenge	NOUN
fbem-15360	15	42	and	and	CCONJ
fbem-15360	15	43	opportunities	opportunity	NOUN
fbem-15360	15	44	for	for	ADP
fbem-15360	15	45	financial	financial	ADJ
fbem-15360	15	46	markets	market	NOUN
fbem-15360	15	47	of	of	ADP
fbem-15360	15	48	the	the	DET
fbem-15360	15	49	emerging	emerge	VERB
fbem-15360	15	50	smart	smart	ADJ
fbem-15360	15	51	financial	financial	ADJ
fbem-15360	15	52	tools	tool	NOUN
fbem-15360	15	53	for	for	ADP
fbem-15360	15	54	the	the	DET
fbem-15360	15	55	financial	financial	ADJ
fbem-15360	15	56	markets	market	NOUN
fbem-15360	15	57	in	in	ADP
fbem-15360	15	58	terms	term	NOUN
fbem-15360	15	59	of	of	ADP
fbem-15360	15	60	challenges	challenge	NOUN
fbem-15360	15	61	and	and	CCONJ
fbem-15360	15	62	opportunities.4	opportunities.4	NOUN
fbem-15360	15	63	.	.	PUNCT
fbem-15360	16	1	ethical	ethical	ADJ
fbem-15360	16	2	considerations	consideration	NOUN
fbem-15360	16	3	:	:	PUNCT
fbem-15360	16	4	moral	moral	ADJ
fbem-15360	16	5	and	and	CCONJ
fbem-15360	16	6	ethical	ethical	ADJ
fbem-15360	16	7	implications	implication	NOUN
fbem-15360	16	8	of	of	ADP
fbem-15360	16	9	the	the	DET
fbem-15360	16	10	use	use	NOUN
fbem-15360	16	11	of	of	ADP
fbem-15360	16	12	ai	ai	VERB
fbem-15360	16	13	in	in	ADP
fbem-15360	16	14	financial	financial	ADJ
fbem-15360	16	15	decision	decision	NOUN
fbem-15360	16	16	-	-	PUNCT
fbem-15360	16	17	making	make	VERB
fbem-15360	16	18	and	and	CCONJ
fbem-15360	16	19	service	service	NOUN
fbem-15360	16	20	delivery	delivery	NOUN
fbem-15360	16	21	.	.	PUNCT
fbem-15360	17	1	theoretical	theoretical	ADJ
fbem-15360	17	2	foundations	foundation	NOUN
fbem-15360	17	3	there	there	PRON
fbem-15360	17	4	is	be	VERB
fbem-15360	17	5	a	a	DET
fbem-15360	17	6	need	need	NOUN
fbem-15360	17	7	to	to	PART
fbem-15360	17	8	first	first	ADV
fbem-15360	17	9	explore	explore	VERB
fbem-15360	17	10	the	the	DET
fbem-15360	17	11	framework	framework	NOUN
fbem-15360	17	12	of	of	ADP
fbem-15360	17	13	the	the	DET
fbem-15360	17	14	underlying	underlie	VERB
fbem-15360	17	15	applications	application	NOUN
fbem-15360	17	16	of	of	ADP
fbem-15360	17	17	ai	ai	NOUN
fbem-15360	17	18	,	,	PUNCT
fbem-15360	17	19	as	as	ADV
fbem-15360	17	20	well	well	ADV
fbem-15360	17	21	as	as	ADP
fbem-15360	17	22	to	to	PART
fbem-15360	17	23	understand	understand	VERB
fbem-15360	17	24	how	how	SCONJ
fbem-15360	17	25	ai	ai	AUX
fbem-15360	17	26	is	be	AUX
fbem-15360	17	27	disrupting	disrupt	VERB
fbem-15360	17	28	traditional	traditional	ADJ
fbem-15360	17	29	financial	financial	ADJ
fbem-15360	17	30	services	service	NOUN
fbem-15360	17	31	and	and	CCONJ
fbem-15360	17	32	creating	create	VERB
fbem-15360	17	33	new	new	ADJ
fbem-15360	17	34	business	business	NOUN
fbem-15360	17	35	models	model	NOUN
fbem-15360	17	36	in	in	ADP
fbem-15360	17	37	the	the	DET
fbem-15360	17	38	fintech	fintech	NOUN
fbem-15360	17	39	sector	sector	NOUN
fbem-15360	17	40	[	[	X
fbem-15360	17	41	3	3	NUM
fbem-15360	17	42	]	]	PUNCT
fbem-15360	17	43	.	.	PUNCT
fbem-15360	18	1	how	how	SCONJ
fbem-15360	18	2	ai	ai	AUX
fbem-15360	18	3	is	be	AUX
fbem-15360	18	4	empowering	empower	VERB
fbem-15360	18	5	more	more	ADV
fbem-15360	18	6	personalised	personalised	ADJ
fbem-15360	18	7	,	,	PUNCT
fbem-15360	18	8	advanced	advanced	ADJ
fbem-15360	18	9	,	,	PUNCT
fbem-15360	18	10	better	well	ADJ
fbem-15360	18	11	,	,	PUNCT
fbem-15360	18	12	safer	safe	ADJ
fbem-15360	18	13	and	and	CCONJ
fbem-15360	18	14	newer	new	ADJ
fbem-15360	18	15	financial	financial	ADJ
fbem-15360	18	16	mechanisms	mechanism	NOUN
fbem-15360	18	17	,	,	PUNCT
fbem-15360	18	18	products	product	NOUN
fbem-15360	18	19	,	,	PUNCT
fbem-15360	18	20	models	model	NOUN
fbem-15360	18	21	,	,	PUNCT
fbem-15360	18	22	services	service	NOUN
fbem-15360	18	23	,	,	PUNCT
fbem-15360	18	24	systems	system	NOUN
fbem-15360	18	25	and	and	CCONJ
fbem-15360	18	26	applications	application	NOUN
fbem-15360	18	27	for	for	ADP
fbem-15360	18	28	the	the	DET
fbem-15360	18	29	mainstream	mainstream	NOUN
fbem-15360	18	30	and	and	CCONJ
fbem-15360	18	31	alternative	alternative	ADJ
fbem-15360	18	32	economy	economy	NOUN
fbem-15360	18	33	.	.	PUNCT
fbem-15360	19	1	analysing	analyse	VERB
fbem-15360	19	2	ethical	ethical	ADJ
fbem-15360	19	3	considerations	consideration	NOUN
fbem-15360	19	4	,	,	PUNCT
fbem-15360	19	5	data	datum	NOUN
fbem-15360	19	6	privacy	privacy	NOUN
fbem-15360	19	7	and	and	CCONJ
fbem-15360	19	8	fairness	fairness	NOUN
fbem-15360	19	9	issues	issue	NOUN
fbem-15360	19	10	associated	associate	VERB
fbem-15360	19	11	with	with	ADP
fbem-15360	19	12	ai	ai	ADJ
fbem-15360	19	13	-	-	PUNCT
fbem-15360	19	14	driven	drive	VERB
fbem-15360	19	15	fintech	fintech	NOUN
fbem-15360	19	16	solutions	solution	NOUN
fbem-15360	19	17	[	[	X
fbem-15360	19	18	2	2	NUM
fbem-15360	19	19	]	]	PUNCT
fbem-15360	19	20	.	.	PUNCT
fbem-15360	20	1	2	2	X
fbem-15360	20	2	.	.	X
fbem-15360	20	3	research	research	NOUN
fbem-15360	20	4	aim	aim	VERB
fbem-15360	20	5	the	the	DET
fbem-15360	20	6	aim	aim	NOUN
fbem-15360	20	7	of	of	ADP
fbem-15360	20	8	the	the	DET
fbem-15360	20	9	essay	essay	NOUN
fbem-15360	20	10	is	be	AUX
fbem-15360	20	11	to	to	PART
fbem-15360	20	12	delineate	delineate	VERB
fbem-15360	20	13	the	the	DET
fbem-15360	20	14	possible	possible	ADJ
fbem-15360	20	15	challenges	challenge	NOUN
fbem-15360	20	16	and	and	CCONJ
fbem-15360	20	17	development	development	NOUN
fbem-15360	20	18	of	of	ADP
fbem-15360	20	19	fintech	fintech	NOUN
fbem-15360	20	20	in	in	ADP
fbem-15360	20	21	the	the	DET
fbem-15360	20	22	era	era	NOUN
fbem-15360	20	23	of	of	ADP
fbem-15360	20	24	artificial	artificial	ADJ
fbem-15360	20	25	intelligence	intelligence	NOUN
fbem-15360	20	26	(	(	PUNCT
fbem-15360	20	27	ai	ai	NOUN
fbem-15360	20	28	)	)	PUNCT
fbem-15360	20	29	.	.	PUNCT
fbem-15360	21	1	artificial	artificial	ADJ
fbem-15360	21	2	intelligence	intelligence	NOUN
fbem-15360	21	3	(	(	PUNCT
fbem-15360	21	4	ai	ai	PROPN
fbem-15360	21	5	)	)	PUNCT
fbem-15360	21	6	is	be	AUX
fbem-15360	21	7	becoming	become	VERB
fbem-15360	21	8	a	a	DET
fbem-15360	21	9	major	major	ADJ
fbem-15360	21	10	force	force	NOUN
fbem-15360	21	11	behind	behind	ADP
fbem-15360	21	12	fintech	fintech	NOUN
fbem-15360	21	13	innovation	innovation	NOUN
fbem-15360	21	14	,	,	PUNCT
fbem-15360	21	15	offering	offer	VERB
fbem-15360	21	16	fresh	fresh	ADJ
fbem-15360	21	17	approaches	approach	NOUN
fbem-15360	21	18	to	to	ADP
fbem-15360	21	19	automate	automate	NOUN
fbem-15360	21	20	procedures	procedure	NOUN
fbem-15360	21	21	,	,	PUNCT
fbem-15360	21	22	improve	improve	VERB
fbem-15360	21	23	judgment	judgment	NOUN
fbem-15360	21	24	,	,	PUNCT
fbem-15360	21	25	and	and	CCONJ
fbem-15360	21	26	provide	provide	VERB
fbem-15360	21	27	individualised	individualised	ADJ
fbem-15360	21	28	financial	financial	ADJ
fbem-15360	21	29	services	service	NOUN
fbem-15360	21	30	.	.	PUNCT
fbem-15360	22	1	despite	despite	SCONJ
fbem-15360	22	2	the	the	DET
fbem-15360	22	3	potential	potential	ADJ
fbem-15360	22	4	advantages	advantage	NOUN
fbem-15360	22	5	of	of	ADP
fbem-15360	22	6	ai	ai	VERB
fbem-15360	22	7	in	in	ADP
fbem-15360	22	8	fintech	fintech	NOUN
fbem-15360	22	9	,	,	PUNCT
fbem-15360	22	10	using	use	VERB
fbem-15360	22	11	ai	ai	NOUN
fbem-15360	22	12	tools	tool	NOUN
fbem-15360	22	13	comes	come	VERB
fbem-15360	22	14	with	with	ADP
fbem-15360	22	15	equal	equal	ADJ
fbem-15360	22	16	risks	risk	NOUN
fbem-15360	22	17	.	.	PUNCT
fbem-15360	23	1	these	these	DET
fbem-15360	23	2	difficulties	difficulty	NOUN
fbem-15360	23	3	include	include	VERB
fbem-15360	23	4	the	the	DET
fbem-15360	23	5	data	datum	NOUN
fbem-15360	23	6	's	's	PART
fbem-15360	23	7	origin	origin	NOUN
fbem-15360	23	8	,	,	PUNCT
fbem-15360	23	9	the	the	DET
fbem-15360	23	10	accuracy	accuracy	NOUN
fbem-15360	23	11	of	of	ADP
fbem-15360	23	12	financial	financial	ADJ
fbem-15360	23	13	judgments	judgment	NOUN
fbem-15360	23	14	,	,	PUNCT
fbem-15360	23	15	and	and	CCONJ
fbem-15360	23	16	the	the	DET
fbem-15360	23	17	disruption	disruption	NOUN
fbem-15360	23	18	of	of	ADP
fbem-15360	23	19	the	the	DET
fbem-15360	23	20	financial	financial	ADJ
fbem-15360	23	21	sector	sector	NOUN
fbem-15360	23	22	,	,	PUNCT
fbem-15360	23	23	in	in	ADP
fbem-15360	23	24	this	this	DET
fbem-15360	23	25	context	context	NOUN
fbem-15360	23	26	,	,	PUNCT
fbem-15360	23	27	it	it	PRON
fbem-15360	23	28	is	be	AUX
fbem-15360	23	29	essential	essential	ADJ
fbem-15360	23	30	to	to	PART
fbem-15360	23	31	comprehend	comprehend	VERB
fbem-15360	23	32	the	the	DET
fbem-15360	23	33	problems	problem	NOUN
fbem-15360	23	34	and	and	CCONJ
fbem-15360	23	35	changes	change	NOUN
fbem-15360	23	36	facing	face	VERB
fbem-15360	23	37	the	the	DET
fbem-15360	23	38	fintech	fintech	NOUN
fbem-15360	23	39	industry	industry	NOUN
fbem-15360	23	40	in	in	ADP
fbem-15360	23	41	the	the	DET
fbem-15360	23	42	ai	ai	NOUN
fbem-15360	23	43	age	age	NOUN
fbem-15360	23	44	and	and	CCONJ
fbem-15360	23	45	suggest	suggest	VERB
fbem-15360	23	46	workable	workable	ADJ
fbem-15360	23	47	solutions	solution	NOUN
fbem-15360	23	48	.	.	PUNCT
fbem-15360	24	1	the	the	DET
fbem-15360	24	2	essay	essay	NOUN
fbem-15360	24	3	focuses	focus	VERB
fbem-15360	24	4	on	on	ADP
fbem-15360	24	5	a	a	DET
fbem-15360	24	6	specific	specific	ADJ
fbem-15360	24	7	fintech	fintech	NOUN
fbem-15360	24	8	scenario	scenario	NOUN
fbem-15360	24	9	,	,	PUNCT
fbem-15360	24	10	automated	automate	VERB
fbem-15360	24	11	investment	investment	NOUN
fbem-15360	24	12	of	of	ADP
fbem-15360	24	13	smart	smart	ADJ
fbem-15360	24	14	banking	banking	NOUN
fbem-15360	24	15	in	in	ADP
fbem-15360	24	16	one	one	NUM
fbem-15360	24	17	of	of	ADP
fbem-15360	24	18	the	the	DET
fbem-15360	24	19	major	major	ADJ
fbem-15360	24	20	fintech	fintech	NOUN
fbem-15360	24	21	firms	firm	NOUN
fbem-15360	24	22	of	of	ADP
fbem-15360	24	23	the	the	DET
fbem-15360	24	24	united	united	PROPN
fbem-15360	24	25	kingdom	kingdom	PROPN
fbem-15360	24	26	,	,	PUNCT
fbem-15360	24	27	revolut	revolut	PROPN
fbem-15360	24	28	.	.	PUNCT
fbem-15360	25	1	however	however	ADV
fbem-15360	25	2	,	,	PUNCT
fbem-15360	25	3	some	some	DET
fbem-15360	25	4	competitive	competitive	ADJ
fbem-15360	25	5	fintech	fintech	NOUN
fbem-15360	25	6	firms	firm	NOUN
fbem-15360	25	7	like	like	ADP
fbem-15360	25	8	monzo	monzo	NOUN
fbem-15360	25	9	in	in	ADP
fbem-15360	25	10	the	the	DET
fbem-15360	25	11	uk	uk	PROPN
fbem-15360	25	12	have	have	AUX
fbem-15360	25	13	used	use	VERB
fbem-15360	25	14	machine	machine	NOUN
fbem-15360	25	15	learning	learning	NOUN
fbem-15360	25	16	in	in	ADP
fbem-15360	25	17	their	their	PRON
fbem-15360	25	18	system	system	NOUN
fbem-15360	25	19	to	to	PART
fbem-15360	25	20	provide	provide	VERB
fbem-15360	25	21	effective	effective	ADJ
fbem-15360	25	22	smart	smart	ADJ
fbem-15360	25	23	banking	banking	NOUN
fbem-15360	25	24	to	to	ADP
fbem-15360	25	25	customers	customer	NOUN
fbem-15360	25	26	.	.	PUNCT
fbem-15360	26	1	the	the	DET
fbem-15360	26	2	fintech	fintech	NOUN
fbem-15360	26	3	scenario	scenario	NOUN
fbem-15360	26	4	of	of	ADP
fbem-15360	26	5	the	the	DET
fbem-15360	26	6	firms	firm	NOUN
fbem-15360	26	7	and	and	CCONJ
fbem-15360	26	8	the	the	DET
fbem-15360	26	9	inclusion	inclusion	NOUN
fbem-15360	26	10	of	of	ADP
fbem-15360	26	11	artificial	artificial	ADJ
fbem-15360	26	12	intelligence	intelligence	NOUN
fbem-15360	26	13	are	be	AUX
fbem-15360	26	14	significant	significant	ADJ
fbem-15360	26	15	to	to	ADP
fbem-15360	26	16	understanding	understand	VERB
fbem-15360	26	17	how	how	SCONJ
fbem-15360	26	18	fintech	fintech	NOUN
fbem-15360	26	19	firms	firm	NOUN
fbem-15360	26	20	develop	develop	VERB
fbem-15360	26	21	and	and	CCONJ
fbem-15360	26	22	encounter	encounter	VERB
fbem-15360	26	23	possible	possible	ADJ
fbem-15360	26	24	challenges	challenge	NOUN
fbem-15360	26	25	in	in	ADP
fbem-15360	26	26	intelligent	intelligent	ADJ
fbem-15360	26	27	(	(	PUNCT
fbem-15360	26	28	smart	smart	ADJ
fbem-15360	26	29	)	)	PUNCT
fbem-15360	26	30	investment	investment	NOUN
fbem-15360	26	31	.	.	PUNCT
fbem-15360	27	1	3	3	X
fbem-15360	27	2	.	.	X
fbem-15360	27	3	research	research	NOUN
fbem-15360	27	4	objectives	objective	VERB
fbem-15360	27	5	the	the	DET
fbem-15360	27	6	research	research	NOUN
fbem-15360	27	7	objectives	objective	NOUN
fbem-15360	27	8	are	be	AUX
fbem-15360	27	9	to	to	PART
fbem-15360	27	10	determine	determine	VERB
fbem-15360	27	11	the	the	DET
fbem-15360	27	12	main	main	ADJ
fbem-15360	27	13	issues	issue	NOUN
fbem-15360	27	14	and	and	CCONJ
fbem-15360	27	15	possibilities	possibility	NOUN
fbem-15360	27	16	related	relate	VERB
fbem-15360	27	17	to	to	ADP
fbem-15360	27	18	the	the	DET
fbem-15360	27	19	growth	growth	NOUN
fbem-15360	27	20	of	of	ADP
fbem-15360	27	21	fintech	fintech	NOUN
fbem-15360	27	22	in	in	ADP
fbem-15360	27	23	the	the	DET
fbem-15360	27	24	era	era	NOUN
fbem-15360	27	25	of	of	ADP
fbem-15360	27	26	artificial	artificial	ADJ
fbem-15360	27	27	intelligence	intelligence	NOUN
fbem-15360	27	28	.	.	PUNCT
fbem-15360	28	1	the	the	DET
fbem-15360	28	2	study	study	NOUN
fbem-15360	28	3	also	also	ADV
fbem-15360	28	4	focuses	focus	VERB
fbem-15360	28	5	on	on	ADP
fbem-15360	28	6	the	the	DET
fbem-15360	28	7	ethical	ethical	ADJ
fbem-15360	28	8	challenges	challenge	NOUN
fbem-15360	28	9	,	,	PUNCT
fbem-15360	28	10	data	datum	NOUN
fbem-15360	28	11	protection	protection	NOUN
fbem-15360	28	12	concerns	concern	NOUN
fbem-15360	28	13	,	,	PUNCT
fbem-15360	28	14	and	and	CCONJ
fbem-15360	28	15	legal	legal	ADJ
fbem-15360	28	16	compliance	compliance	NOUN
fbem-15360	28	17	problems	problem	NOUN
fbem-15360	28	18	associated	associate	VERB
fbem-15360	28	19	with	with	ADP
fbem-15360	28	20	ai	ai	ADJ
fbem-15360	28	21	-	-	PUNCT
fbem-15360	28	22	driven	drive	VERB
fbem-15360	28	23	fintech	fintech	NOUN
fbem-15360	28	24	solutions	solution	NOUN
fbem-15360	28	25	.	.	PUNCT
fbem-15360	29	1	the	the	DET
fbem-15360	29	2	research	research	NOUN
fbem-15360	29	3	also	also	ADV
fbem-15360	29	4	aims	aim	VERB
fbem-15360	29	5	to	to	PART
fbem-15360	29	6	examine	examine	VERB
fbem-15360	29	7	the	the	DET
fbem-15360	29	8	effects	effect	NOUN
fbem-15360	29	9	of	of	ADP
fbem-15360	29	10	ai	ai	VERB
fbem-15360	29	11	on	on	ADP
fbem-15360	29	12	the	the	DET
fbem-15360	29	13	provision	provision	NOUN
fbem-15360	29	14	of	of	ADP
fbem-15360	29	15	services	service	NOUN
fbem-15360	29	16	and	and	CCONJ
fbem-15360	29	17	financial	financial	ADJ
fbem-15360	29	18	decision	decision	NOUN
fbem-15360	29	19	-	-	PUNCT
fbem-15360	29	20	making	making	NOUN
fbem-15360	29	21	in	in	ADP
fbem-15360	29	22	the	the	DET
fbem-15360	29	23	fintech	fintech	NOUN
fbem-15360	29	24	sector	sector	NOUN
fbem-15360	29	25	.	.	PUNCT
fbem-15360	30	1	finally	finally	ADV
fbem-15360	30	2	,	,	PUNCT
fbem-15360	30	3	strategies	strategy	NOUN
fbem-15360	30	4	and	and	CCONJ
fbem-15360	30	5	best	good	ADJ
fbem-15360	30	6	practices	practice	NOUN
fbem-15360	30	7	are	be	AUX
fbem-15360	30	8	13	13	NUM
fbem-15360	30	9	proposed	propose	VERB
fbem-15360	30	10	for	for	ADP
fbem-15360	30	11	the	the	DET
fbem-15360	30	12	ai	ai	PROPN
fbem-15360	30	13	era	era	NOUN
fbem-15360	30	14	to	to	PART
fbem-15360	30	15	solve	solve	VERB
fbem-15360	30	16	the	the	DET
fbem-15360	30	17	difficulties	difficulty	NOUN
fbem-15360	30	18	and	and	CCONJ
fbem-15360	30	19	maximise	maximise	VERB
fbem-15360	30	20	the	the	DET
fbem-15360	30	21	prospective	prospective	ADJ
fbem-15360	30	22	of	of	ADP
fbem-15360	30	23	ai	ai	NOUN
fbem-15360	30	24	in	in	ADP
fbem-15360	30	25	the	the	DET
fbem-15360	30	26	fintech	fintech	NOUN
fbem-15360	30	27	sector	sector	NOUN
fbem-15360	30	28	.	.	PUNCT
fbem-15360	31	1	innovation	innovation	NOUN
fbem-15360	31	2	in	in	ADP
fbem-15360	31	3	research	research	NOUN
fbem-15360	31	4	is	be	AUX
fbem-15360	31	5	crucial	crucial	ADJ
fbem-15360	31	6	to	to	ADP
fbem-15360	31	7	the	the	DET
fbem-15360	31	8	effectiveness	effectiveness	NOUN
fbem-15360	31	9	of	of	ADP
fbem-15360	31	10	the	the	DET
fbem-15360	31	11	study	study	NOUN
fbem-15360	31	12	and	and	CCONJ
fbem-15360	31	13	its	its	PRON
fbem-15360	31	14	managerial	managerial	ADJ
fbem-15360	31	15	implications	implication	NOUN
fbem-15360	31	16	.	.	PUNCT
fbem-15360	32	1	therefore	therefore	ADV
fbem-15360	32	2	,	,	PUNCT
fbem-15360	32	3	the	the	DET
fbem-15360	32	4	research	research	NOUN
fbem-15360	32	5	aims	aim	VERB
fbem-15360	32	6	to	to	PART
fbem-15360	32	7	integrate	integrate	VERB
fbem-15360	32	8	the	the	DET
fbem-15360	32	9	advantages	advantage	NOUN
fbem-15360	32	10	of	of	ADP
fbem-15360	32	11	quantitative	quantitative	ADJ
fbem-15360	32	12	and	and	CCONJ
fbem-15360	32	13	qualitative	qualitative	ADJ
fbem-15360	32	14	research	research	NOUN
fbem-15360	32	15	methodologies	methodology	NOUN
fbem-15360	32	16	as	as	ADP
fbem-15360	32	17	a	a	DET
fbem-15360	32	18	mixed	mixed	ADJ
fbem-15360	32	19	-	-	PUNCT
fbem-15360	32	20	methods	method	NOUN
fbem-15360	32	21	approach	approach	NOUN
fbem-15360	32	22	will	will	AUX
fbem-15360	32	23	provide	provide	VERB
fbem-15360	32	24	a	a	DET
fbem-15360	32	25	thorough	thorough	ADJ
fbem-15360	32	26	knowledge	knowledge	NOUN
fbem-15360	32	27	of	of	ADP
fbem-15360	32	28	the	the	DET
fbem-15360	32	29	complicated	complicated	ADJ
fbem-15360	32	30	difficulties	difficulty	NOUN
fbem-15360	32	31	related	relate	VERB
fbem-15360	32	32	to	to	ADP
fbem-15360	32	33	ai	ai	VERB
fbem-15360	32	34	-	-	PUNCT
fbem-15360	32	35	driven	drive	VERB
fbem-15360	32	36	fintech	fintech	NOUN
fbem-15360	32	37	.	.	PUNCT
fbem-15360	33	1	this	this	DET
fbem-15360	33	2	cutting	cut	VERB
fbem-15360	33	3	-	-	PUNCT
fbem-15360	33	4	edge	edge	NOUN
fbem-15360	33	5	method	method	NOUN
fbem-15360	33	6	will	will	AUX
fbem-15360	33	7	comprehensively	comprehensively	ADV
fbem-15360	33	8	assess	assess	VERB
fbem-15360	33	9	the	the	DET
fbem-15360	33	10	difficulties	difficulty	NOUN
fbem-15360	33	11	and	and	CCONJ
fbem-15360	33	12	potential	potential	NOUN
fbem-15360	33	13	in	in	ADP
fbem-15360	33	14	the	the	DET
fbem-15360	33	15	fintech	fintech	NOUN
fbem-15360	33	16	sector	sector	NOUN
fbem-15360	33	17	and	and	CCONJ
fbem-15360	33	18	offer	offer	VERB
fbem-15360	33	19	suggestions	suggestion	NOUN
fbem-15360	33	20	for	for	ADP
fbem-15360	33	21	debates	debate	NOUN
fbem-15360	33	22	in	in	ADP
fbem-15360	33	23	academia	academia	NOUN
fbem-15360	33	24	and	and	CCONJ
fbem-15360	33	25	business	business	NOUN
fbem-15360	33	26	.	.	PUNCT
fbem-15360	34	1	hence	hence	ADV
fbem-15360	34	2	,	,	PUNCT
fbem-15360	34	3	this	this	DET
fbem-15360	34	4	research	research	NOUN
fbem-15360	34	5	will	will	AUX
fbem-15360	34	6	help	help	VERB
fbem-15360	34	7	policymakers	policymaker	NOUN
fbem-15360	34	8	,	,	PUNCT
fbem-15360	34	9	regulators	regulator	NOUN
fbem-15360	34	10	,	,	PUNCT
fbem-15360	34	11	fintech	fintech	NOUN
fbem-15360	34	12	companies	company	NOUN
fbem-15360	34	13	,	,	PUNCT
fbem-15360	34	14	and	and	CCONJ
fbem-15360	34	15	other	other	ADJ
fbem-15360	34	16	stakeholders	stakeholder	NOUN
fbem-15360	34	17	in	in	ADP
fbem-15360	34	18	the	the	DET
fbem-15360	34	19	financial	financial	ADJ
fbem-15360	34	20	services	service	NOUN
fbem-15360	34	21	sector	sector	NOUN
fbem-15360	34	22	navigate	navigate	VERB
fbem-15360	34	23	the	the	DET
fbem-15360	34	24	complexities	complexity	NOUN
fbem-15360	34	25	of	of	ADP
fbem-15360	34	26	aidriven	aidriven	ADJ
fbem-15360	34	27	innovation	innovation	NOUN
fbem-15360	34	28	and	and	CCONJ
fbem-15360	34	29	ensure	ensure	VERB
fbem-15360	34	30	the	the	DET
fbem-15360	34	31	responsible	responsible	ADJ
fbem-15360	34	32	and	and	CCONJ
fbem-15360	34	33	ethical	ethical	ADJ
fbem-15360	34	34	deployment	deployment	NOUN
fbem-15360	34	35	of	of	ADP
fbem-15360	34	36	ai	ai	NOUN
fbem-15360	34	37	in	in	ADP
fbem-15360	34	38	fintech	fintech	NOUN
fbem-15360	34	39	by	by	ADP
fbem-15360	34	40	examining	examine	VERB
fbem-15360	34	41	the	the	DET
fbem-15360	34	42	challenges	challenge	NOUN
fbem-15360	34	43	and	and	CCONJ
fbem-15360	34	44	developments	development	NOUN
fbem-15360	34	45	in	in	ADP
fbem-15360	34	46	fintech	fintech	NOUN
fbem-15360	34	47	in	in	ADP
fbem-15360	34	48	the	the	DET
fbem-15360	34	49	age	age	NOUN
fbem-15360	34	50	of	of	ADP
fbem-15360	34	51	ai	ai	NOUN
fbem-15360	34	52	.	.	PROPN
fbem-15360	34	53	4	4	X
fbem-15360	34	54	.	.	X
fbem-15360	34	55	literature	literature	PROPN
fbem-15360	34	56	review	review	VERB
fbem-15360	34	57	digital	digital	ADJ
fbem-15360	34	58	innovations	innovation	NOUN
fbem-15360	34	59	like	like	ADP
fbem-15360	34	60	smart	smart	ADJ
fbem-15360	34	61	banking	banking	NOUN
fbem-15360	34	62	,	,	PUNCT
fbem-15360	34	63	mobile	mobile	ADJ
fbem-15360	34	64	banking	banking	NOUN
fbem-15360	34	65	,	,	PUNCT
fbem-15360	34	66	peer	peer	NOUN
fbem-15360	34	67	-	-	PUNCT
fbem-15360	34	68	to	to	ADP
fbem-15360	34	69	-	-	PUNCT
fbem-15360	34	70	peer	peer	NOUN
fbem-15360	34	71	(	(	PUNCT
fbem-15360	34	72	p2p	p2p	NOUN
fbem-15360	34	73	)	)	PUNCT
fbem-15360	34	74	landing	landing	NOUN
fbem-15360	34	75	,	,	PUNCT
fbem-15360	34	76	automated	automate	VERB
fbem-15360	34	77	process	process	NOUN
fbem-15360	34	78	-	-	PUNCT
fbem-15360	34	79	flow	flow	NOUN
fbem-15360	34	80	of	of	ADP
fbem-15360	34	81	investment	investment	NOUN
fbem-15360	34	82	,	,	PUNCT
fbem-15360	34	83	crypto	crypto	NOUN
fbem-15360	34	84	assets	asset	NOUN
fbem-15360	34	85	,	,	PUNCT
fbem-15360	34	86	and	and	CCONJ
fbem-15360	34	87	robo	robo	NOUN
fbem-15360	34	88	-	-	PUNCT
fbem-15360	34	89	advice	advice	NOUN
fbem-15360	34	90	have	have	AUX
fbem-15360	34	91	brought	bring	VERB
fbem-15360	34	92	a	a	DET
fbem-15360	34	93	huge	huge	ADJ
fbem-15360	34	94	transformation	transformation	NOUN
fbem-15360	34	95	in	in	ADP
fbem-15360	34	96	financial	financial	ADJ
fbem-15360	34	97	technology	technology	NOUN
fbem-15360	34	98	worldwide	worldwide	ADV
fbem-15360	34	99	.	.	PUNCT
fbem-15360	35	1	meanwhile	meanwhile	ADV
fbem-15360	35	2	,	,	PUNCT
fbem-15360	35	3	ai	ai	AUX
fbem-15360	35	4	elements	element	NOUN
fbem-15360	35	5	like	like	ADP
fbem-15360	35	6	machine	machine	NOUN
fbem-15360	35	7	learning	learning	NOUN
fbem-15360	35	8	are	be	AUX
fbem-15360	35	9	making	make	VERB
fbem-15360	35	10	big	big	ADJ
fbem-15360	35	11	changes	change	NOUN
fbem-15360	35	12	in	in	ADP
fbem-15360	35	13	the	the	DET
fbem-15360	35	14	fintech	fintech	NOUN
fbem-15360	35	15	industry	industry	NOUN
fbem-15360	35	16	,	,	PUNCT
fbem-15360	35	17	where	where	SCONJ
fbem-15360	35	18	the	the	DET
fbem-15360	35	19	fintech	fintech	NOUN
fbem-15360	35	20	firms	firm	NOUN
fbem-15360	35	21	also	also	ADV
fbem-15360	35	22	face	face	VERB
fbem-15360	35	23	challenges	challenge	NOUN
fbem-15360	35	24	in	in	ADP
fbem-15360	35	25	adopting	adopt	VERB
fbem-15360	35	26	and	and	CCONJ
fbem-15360	35	27	implementing	implement	VERB
fbem-15360	35	28	ai	ai	VERB
fbem-15360	35	29	effectively	effectively	ADV
fbem-15360	35	30	[	[	X
fbem-15360	35	31	4	4	NUM
fbem-15360	35	32	]	]	PUNCT
fbem-15360	35	33	.	.	PUNCT
fbem-15360	36	1	the	the	DET
fbem-15360	36	2	ability	ability	NOUN
fbem-15360	36	3	of	of	ADP
fbem-15360	36	4	ai	ai	VERB
fbem-15360	36	5	to	to	PART
fbem-15360	36	6	examine	examine	VERB
fbem-15360	36	7	large	large	ADJ
fbem-15360	36	8	datasets	dataset	NOUN
fbem-15360	36	9	of	of	ADP
fbem-15360	36	10	multifaceted	multifaceted	ADJ
fbem-15360	36	11	data	datum	NOUN
fbem-15360	36	12	has	have	AUX
fbem-15360	36	13	helped	help	VERB
fbem-15360	36	14	streamline	streamline	VERB
fbem-15360	36	15	decisions	decision	NOUN
fbem-15360	36	16	and	and	CCONJ
fbem-15360	36	17	unearth	unearth	VERB
fbem-15360	36	18	new	new	ADJ
fbem-15360	36	19	prospects	prospect	NOUN
fbem-15360	36	20	that	that	PRON
fbem-15360	36	21	were	be	AUX
fbem-15360	36	22	not	not	PART
fbem-15360	36	23	possible	possible	ADJ
fbem-15360	36	24	earlier	early	ADV
fbem-15360	36	25	.	.	PUNCT
fbem-15360	37	1	however	however	ADV
fbem-15360	37	2	,	,	PUNCT
fbem-15360	37	3	challenges	challenge	NOUN
fbem-15360	37	4	like	like	ADP
fbem-15360	37	5	data	datum	NOUN
fbem-15360	37	6	privacy	privacy	NOUN
fbem-15360	37	7	,	,	PUNCT
fbem-15360	37	8	cyber	cyber	ADJ
fbem-15360	37	9	security	security	NOUN
fbem-15360	37	10	,	,	PUNCT
fbem-15360	37	11	and	and	CCONJ
fbem-15360	37	12	restricted	restricted	ADJ
fbem-15360	37	13	regulations	regulation	NOUN
fbem-15360	37	14	are	be	AUX
fbem-15360	37	15	witnessed	witness	VERB
fbem-15360	37	16	as	as	ADP
fbem-15360	37	17	possible	possible	ADJ
fbem-15360	37	18	challenges	challenge	NOUN
fbem-15360	37	19	related	relate	VERB
fbem-15360	37	20	to	to	ADP
fbem-15360	37	21	using	use	VERB
fbem-15360	37	22	ai	ai	NOUN
fbem-15360	37	23	in	in	ADP
fbem-15360	37	24	the	the	DET
fbem-15360	37	25	fintech	fintech	NOUN
fbem-15360	37	26	sector[5	sector[5	NOUN
fbem-15360	37	27	]	]	X
fbem-15360	37	28	.	.	PUNCT
fbem-15360	38	1	to	to	PART
fbem-15360	38	2	understand	understand	VERB
fbem-15360	38	3	the	the	DET
fbem-15360	38	4	role	role	NOUN
fbem-15360	38	5	of	of	ADP
fbem-15360	38	6	ai	ai	VERB
fbem-15360	38	7	in	in	ADP
fbem-15360	38	8	automated	automate	VERB
fbem-15360	38	9	investment	investment	NOUN
fbem-15360	38	10	or	or	CCONJ
fbem-15360	38	11	smart	smart	ADJ
fbem-15360	38	12	banking	banking	NOUN
fbem-15360	38	13	scenarios	scenario	NOUN
fbem-15360	38	14	of	of	ADP
fbem-15360	38	15	the	the	DET
fbem-15360	38	16	fintech	fintech	NOUN
fbem-15360	38	17	sector	sector	NOUN
fbem-15360	38	18	,	,	PUNCT
fbem-15360	38	19	the	the	DET
fbem-15360	38	20	case	case	NOUN
fbem-15360	38	21	of	of	ADP
fbem-15360	38	22	revolut	revolut	NOUN
fbem-15360	38	23	and	and	CCONJ
fbem-15360	38	24	monzo	monzo	PROPN
fbem-15360	38	25	can	can	AUX
fbem-15360	38	26	be	be	AUX
fbem-15360	38	27	considered	consider	VERB
fbem-15360	38	28	for	for	ADP
fbem-15360	38	29	the	the	DET
fbem-15360	38	30	discussion	discussion	NOUN
fbem-15360	38	31	.	.	PUNCT
fbem-15360	39	1	in	in	ADP
fbem-15360	39	2	the	the	DET
fbem-15360	39	3	contemporary	contemporary	ADJ
fbem-15360	39	4	world	world	NOUN
fbem-15360	39	5	,	,	PUNCT
fbem-15360	39	6	every	every	DET
fbem-15360	39	7	customer	customer	NOUN
fbem-15360	39	8	anticipates	anticipate	VERB
fbem-15360	39	9	controlling	control	VERB
fbem-15360	39	10	all	all	DET
fbem-15360	39	11	transactions	transaction	NOUN
fbem-15360	39	12	,	,	PUNCT
fbem-15360	39	13	easy	easy	ADJ
fbem-15360	39	14	and	and	CCONJ
fbem-15360	39	15	hassle	hassle	NOUN
fbem-15360	39	16	-	-	PUNCT
fbem-15360	39	17	free	free	ADJ
fbem-15360	39	18	access	access	NOUN
fbem-15360	39	19	to	to	ADP
fbem-15360	39	20	banking	banking	NOUN
fbem-15360	39	21	resources	resource	NOUN
fbem-15360	39	22	,	,	PUNCT
fbem-15360	39	23	and	and	CCONJ
fbem-15360	39	24	compliantly	compliantly	ADV
fbem-15360	39	25	preserving	preserve	VERB
fbem-15360	39	26	the	the	DET
fbem-15360	39	27	freedom	freedom	NOUN
fbem-15360	39	28	of	of	ADP
fbem-15360	39	29	selecting	select	VERB
fbem-15360	39	30	banking	banking	NOUN
fbem-15360	39	31	services[6	services[6	NUM
fbem-15360	39	32	]	]	PUNCT
fbem-15360	39	33	.	.	PUNCT
fbem-15360	40	1	hence	hence	ADV
fbem-15360	40	2	,	,	PUNCT
fbem-15360	40	3	data	datum	NOUN
fbem-15360	40	4	processing	processing	NOUN
fbem-15360	40	5	to	to	PART
fbem-15360	40	6	smartly	smartly	ADV
fbem-15360	40	7	automate	automate	VERB
fbem-15360	40	8	the	the	DET
fbem-15360	40	9	investment	investment	NOUN
fbem-15360	40	10	or	or	CCONJ
fbem-15360	40	11	required	require	VERB
fbem-15360	40	12	services	service	NOUN
fbem-15360	40	13	needs	need	VERB
fbem-15360	40	14	wide	wide	ADV
fbem-15360	40	15	-	-	PUNCT
fbem-15360	40	16	ranging	range	VERB
fbem-15360	40	17	assistance	assistance	NOUN
fbem-15360	40	18	from	from	ADP
fbem-15360	40	19	intelligent	intelligent	ADJ
fbem-15360	40	20	systems	system	NOUN
fbem-15360	40	21	offered	offer	VERB
fbem-15360	40	22	by	by	ADP
fbem-15360	40	23	fintech	fintech	NOUN
fbem-15360	40	24	firms	firm	NOUN
fbem-15360	40	25	like	like	ADP
fbem-15360	40	26	revolut	revolut	NOUN
fbem-15360	40	27	and	and	CCONJ
fbem-15360	40	28	monzo	monzo	PROPN
fbem-15360	40	29	.	.	PUNCT
fbem-15360	41	1	the	the	DET
fbem-15360	41	2	fintech	fintech	NOUN
fbem-15360	41	3	firms	firm	NOUN
fbem-15360	41	4	have	have	AUX
fbem-15360	41	5	created	create	VERB
fbem-15360	41	6	a	a	DET
fbem-15360	41	7	proposition	proposition	NOUN
fbem-15360	41	8	by	by	ADP
fbem-15360	41	9	providing	provide	VERB
fbem-15360	41	10	automated	automate	VERB
fbem-15360	41	11	investment	investment	NOUN
fbem-15360	41	12	services	service	NOUN
fbem-15360	41	13	based	base	VERB
fbem-15360	41	14	on	on	ADP
fbem-15360	41	15	customer	customer	NOUN
fbem-15360	41	16	preferences	preference	NOUN
fbem-15360	41	17	.	.	PUNCT
fbem-15360	42	1	for	for	ADP
fbem-15360	42	2	example	example	NOUN
fbem-15360	42	3	,	,	PUNCT
fbem-15360	42	4	monzo	monzo	PROPN
fbem-15360	42	5	,	,	PUNCT
fbem-15360	42	6	a	a	DET
fbem-15360	42	7	uk	uk	PROPN
fbem-15360	42	8	-	-	PUNCT
fbem-15360	42	9	based	base	VERB
fbem-15360	42	10	fintech	fintech	NOUN
fbem-15360	42	11	firm	firm	NOUN
fbem-15360	42	12	,	,	PUNCT
fbem-15360	42	13	has	have	AUX
fbem-15360	42	14	implemented	implement	VERB
fbem-15360	42	15	an	an	DET
fbem-15360	42	16	automated	automate	VERB
fbem-15360	42	17	saving	saving	NOUN
fbem-15360	42	18	feature	feature	NOUN
fbem-15360	42	19	in	in	ADP
fbem-15360	42	20	the	the	DET
fbem-15360	42	21	smart	smart	ADJ
fbem-15360	42	22	banking	banking	NOUN
fbem-15360	42	23	app	app	NOUN
fbem-15360	42	24	for	for	ADP
fbem-15360	42	25	its	its	PRON
fbem-15360	42	26	customers	customer	NOUN
fbem-15360	42	27	.	.	PUNCT
fbem-15360	43	1	according	accord	VERB
fbem-15360	43	2	to	to	ADP
fbem-15360	43	3	this	this	DET
fbem-15360	43	4	new	new	ADJ
fbem-15360	43	5	feature	feature	NOUN
fbem-15360	43	6	,	,	PUNCT
fbem-15360	43	7	the	the	DET
fbem-15360	43	8	transactions	transaction	NOUN
fbem-15360	43	9	can	can	AUX
fbem-15360	43	10	be	be	AUX
fbem-15360	43	11	rounded	round	VERB
fbem-15360	43	12	up	up	ADP
fbem-15360	43	13	every	every	DET
fbem-15360	43	14	time	time	NOUN
fbem-15360	43	15	the	the	DET
fbem-15360	43	16	customer	customer	NOUN
fbem-15360	43	17	deposits	deposit	NOUN
fbem-15360	43	18	or	or	CCONJ
fbem-15360	43	19	spends	spend	VERB
fbem-15360	43	20	the	the	DET
fbem-15360	43	21	amount	amount	NOUN
fbem-15360	43	22	in	in	ADP
fbem-15360	43	23	a	a	DET
fbem-15360	43	24	separate	separate	ADJ
fbem-15360	43	25	account	account	NOUN
fbem-15360	43	26	.	.	PUNCT
fbem-15360	44	1	further	far	ADV
fbem-15360	44	2	,	,	PUNCT
fbem-15360	44	3	this	this	DET
fbem-15360	44	4	feature	feature	NOUN
fbem-15360	44	5	can	can	AUX
fbem-15360	44	6	transfer	transfer	VERB
fbem-15360	44	7	a	a	DET
fbem-15360	44	8	pre	pre	ADJ
fbem-15360	44	9	-	-	ADJ
fbem-15360	44	10	set	set	ADJ
fbem-15360	44	11	fraction	fraction	NOUN
fbem-15360	44	12	of	of	ADP
fbem-15360	44	13	customers	customer	NOUN
fbem-15360	44	14	’	’	PART
fbem-15360	44	15	monthly	monthly	ADJ
fbem-15360	44	16	paychecks	paycheck	NOUN
fbem-15360	44	17	to	to	ADP
fbem-15360	44	18	their	their	PRON
fbem-15360	44	19	savings	saving	NOUN
fbem-15360	44	20	accounts	account	NOUN
fbem-15360	44	21	on	on	ADP
fbem-15360	44	22	payday	payday	NOUN
fbem-15360	44	23	[	[	X
fbem-15360	44	24	6	6	NUM
fbem-15360	44	25	]	]	PUNCT
fbem-15360	44	26	.	.	PUNCT
fbem-15360	45	1	whilst	whilst	SCONJ
fbem-15360	45	2	these	these	DET
fbem-15360	45	3	fintech	fintech	NOUN
fbem-15360	45	4	scenarios	scenario	NOUN
fbem-15360	45	5	are	be	AUX
fbem-15360	45	6	questionably	questionably	ADV
fbem-15360	45	7	usual	usual	ADJ
fbem-15360	45	8	in	in	ADP
fbem-15360	45	9	the	the	DET
fbem-15360	45	10	online	online	ADJ
fbem-15360	45	11	banking	banking	NOUN
fbem-15360	45	12	sector	sector	NOUN
fbem-15360	45	13	,	,	PUNCT
fbem-15360	45	14	the	the	DET
fbem-15360	45	15	effectiveness	effectiveness	NOUN
fbem-15360	45	16	of	of	ADP
fbem-15360	45	17	their	their	PRON
fbem-15360	45	18	application	application	NOUN
fbem-15360	45	19	relies	rely	VERB
fbem-15360	45	20	on	on	ADP
fbem-15360	45	21	how	how	SCONJ
fbem-15360	45	22	effectively	effectively	ADV
fbem-15360	45	23	the	the	DET
fbem-15360	45	24	nudges	nudge	NOUN
fbem-15360	45	25	are	be	AUX
fbem-15360	45	26	vigorously	vigorously	ADV
fbem-15360	45	27	personalised	personalise	VERB
fbem-15360	45	28	.	.	PUNCT
fbem-15360	46	1	5	5	X
fbem-15360	46	2	.	.	X
fbem-15360	46	3	benefits	benefit	NOUN
fbem-15360	46	4	of	of	ADP
fbem-15360	46	5	ai	ai	ADJ
fbem-15360	46	6	-	-	PUNCT
fbem-15360	46	7	driven	drive	VERB
fbem-15360	46	8	fintech	fintech	NOUN
fbem-15360	46	9	solutions	solution	NOUN
fbem-15360	46	10	the	the	DET
fbem-15360	46	11	research	research	NOUN
fbem-15360	46	12	assumes	assume	VERB
fbem-15360	46	13	that	that	SCONJ
fbem-15360	46	14	increased	increase	VERB
fbem-15360	46	15	productivity	productivity	NOUN
fbem-15360	46	16	and	and	CCONJ
fbem-15360	46	17	client	client	NOUN
fbem-15360	46	18	satisfaction	satisfaction	NOUN
fbem-15360	46	19	in	in	ADP
fbem-15360	46	20	the	the	DET
fbem-15360	46	21	financial	financial	ADJ
fbem-15360	46	22	services	service	NOUN
fbem-15360	46	23	industry	industry	NOUN
fbem-15360	46	24	are	be	AUX
fbem-15360	46	25	favourably	favourably	ADV
fbem-15360	46	26	correlated	correlate	VERB
fbem-15360	46	27	with	with	ADP
fbem-15360	46	28	using	use	VERB
fbem-15360	46	29	ai	ai	NOUN
fbem-15360	46	30	-	-	PUNCT
fbem-15360	46	31	driven	drive	VERB
fbem-15360	46	32	fintech	fintech	NOUN
fbem-15360	46	33	solutions	solution	NOUN
fbem-15360	46	34	.	.	PUNCT
fbem-15360	47	1	fintech	fintech	NOUN
fbem-15360	47	2	products	product	NOUN
fbem-15360	47	3	powered	power	VERB
fbem-15360	47	4	by	by	ADP
fbem-15360	47	5	ai	ai	INTJ
fbem-15360	47	6	are	be	AUX
fbem-15360	47	7	overturning	overturn	VERB
fbem-15360	47	8	the	the	DET
fbem-15360	47	9	banking	banking	NOUN
fbem-15360	47	10	sector	sector	NOUN
fbem-15360	47	11	.	.	PUNCT
fbem-15360	48	1	artificial	artificial	ADJ
fbem-15360	48	2	intelligence	intelligence	NOUN
fbem-15360	48	3	-	-	PUNCT
fbem-15360	48	4	driven	drive	VERB
fbem-15360	48	5	fintech	fintech	NOUN
fbem-15360	48	6	solutions	solution	NOUN
fbem-15360	48	7	can	can	AUX
fbem-15360	48	8	reduce	reduce	VERB
fbem-15360	48	9	possible	possible	ADJ
fbem-15360	48	10	risks	risk	NOUN
fbem-15360	48	11	and	and	CCONJ
fbem-15360	48	12	biases	bias	NOUN
fbem-15360	48	13	in	in	ADP
fbem-15360	48	14	financial	financial	ADJ
fbem-15360	48	15	decision	decision	NOUN
fbem-15360	48	16	-	-	PUNCT
fbem-15360	48	17	making	making	NOUN
fbem-15360	48	18	by	by	ADP
fbem-15360	48	19	integrating	integrate	VERB
fbem-15360	48	20	ethical	ethical	ADJ
fbem-15360	48	21	considerations	consideration	NOUN
fbem-15360	48	22	,	,	PUNCT
fbem-15360	48	23	data	data	NOUN
fbem-15360	48	24	privacy	privacy	NOUN
fbem-15360	48	25	,	,	PUNCT
fbem-15360	48	26	and	and	CCONJ
fbem-15360	48	27	regulatory	regulatory	ADJ
fbem-15360	48	28	compliance[7	compliance[7	NOUN
fbem-15360	48	29	]	]	PUNCT
fbem-15360	48	30	.	.	PUNCT
fbem-15360	49	1	however	however	ADV
fbem-15360	49	2	,	,	PUNCT
fbem-15360	49	3	according	accord	VERB
fbem-15360	49	4	to	to	ADP
fbem-15360	49	5	margaroli	margaroli	NOUN
fbem-15360	49	6	[	[	X
fbem-15360	49	7	8	8	NUM
fbem-15360	49	8	]	]	PUNCT
fbem-15360	49	9	,	,	PUNCT
fbem-15360	49	10	if	if	SCONJ
fbem-15360	49	11	artificial	artificial	ADJ
fbem-15360	49	12	intelligence	intelligence	NOUN
fbem-15360	49	13	creates	create	VERB
fbem-15360	49	14	a	a	DET
fbem-15360	49	15	complicated	complicated	ADJ
fbem-15360	49	16	model	model	NOUN
fbem-15360	49	17	,	,	PUNCT
fbem-15360	49	18	there	there	PRON
fbem-15360	49	19	will	will	AUX
fbem-15360	49	20	be	be	AUX
fbem-15360	49	21	a	a	DET
fbem-15360	49	22	number	number	NOUN
fbem-15360	49	23	of	of	ADP
fbem-15360	49	24	parameters	parameter	NOUN
fbem-15360	49	25	.	.	PUNCT
fbem-15360	50	1	therefore	therefore	ADV
fbem-15360	50	2	,	,	PUNCT
fbem-15360	50	3	it	it	PRON
fbem-15360	50	4	is	be	AUX
fbem-15360	50	5	not	not	PART
fbem-15360	50	6	possible	possible	ADJ
fbem-15360	50	7	to	to	PART
fbem-15360	50	8	explain	explain	VERB
fbem-15360	50	9	the	the	DET
fbem-15360	50	10	reason	reason	NOUN
fbem-15360	50	11	for	for	ADP
fbem-15360	50	12	decision	decision	NOUN
fbem-15360	50	13	-	-	PUNCT
fbem-15360	50	14	making	making	NOUN
fbem-15360	50	15	.	.	PUNCT
fbem-15360	51	1	thus	thus	ADV
fbem-15360	51	2	,	,	PUNCT
fbem-15360	51	3	ai	ai	VERB
fbem-15360	51	4	poses	pose	NOUN
fbem-15360	51	5	an	an	DET
fbem-15360	51	6	explainability	explainability	NOUN
fbem-15360	51	7	challenge	challenge	NOUN
fbem-15360	51	8	for	for	ADP
fbem-15360	51	9	smart	smart	ADJ
fbem-15360	51	10	baking	baking	NOUN
fbem-15360	51	11	in	in	ADP
fbem-15360	51	12	the	the	DET
fbem-15360	51	13	fintech	fintech	NOUN
fbem-15360	51	14	sector	sector	NOUN
fbem-15360	51	15	.	.	PUNCT
fbem-15360	52	1	it	it	PRON
fbem-15360	52	2	was	be	AUX
fbem-15360	52	3	also	also	ADV
fbem-15360	52	4	argued	argue	VERB
fbem-15360	52	5	that	that	SCONJ
fbem-15360	52	6	regulators	regulator	NOUN
fbem-15360	52	7	at	at	ADP
fbem-15360	52	8	a	a	DET
fbem-15360	52	9	global	global	ADJ
fbem-15360	52	10	level	level	NOUN
fbem-15360	52	11	demand	demand	NOUN
fbem-15360	52	12	the	the	DET
fbem-15360	52	13	reasoning	reasoning	NOUN
fbem-15360	52	14	for	for	ADP
fbem-15360	52	15	decisions	decision	NOUN
fbem-15360	52	16	.	.	PUNCT
fbem-15360	53	1	such	such	ADJ
fbem-15360	53	2	challenges	challenge	NOUN
fbem-15360	53	3	constrain	constrain	VERB
fbem-15360	53	4	the	the	DET
fbem-15360	53	5	huge	huge	ADJ
fbem-15360	53	6	utilisation	utilisation	NOUN
fbem-15360	53	7	of	of	ADP
fbem-15360	53	8	ai	ai	VERB
fbem-15360	53	9	in	in	ADP
fbem-15360	53	10	some	some	DET
fbem-15360	53	11	specific	specific	ADJ
fbem-15360	53	12	scenarios	scenario	NOUN
fbem-15360	53	13	of	of	ADP
fbem-15360	53	14	fintech	fintech	NOUN
fbem-15360	53	15	firms	firm	NOUN
fbem-15360	53	16	.	.	PUNCT
fbem-15360	54	1	argued	argue	VERB
fbem-15360	54	2	that	that	SCONJ
fbem-15360	54	3	the	the	DET
fbem-15360	54	4	real	real	ADJ
fbem-15360	54	5	challenge	challenge	NOUN
fbem-15360	54	6	for	for	ADP
fbem-15360	54	7	fintech	fintech	NOUN
fbem-15360	54	8	firms	firm	NOUN
fbem-15360	54	9	like	like	ADP
fbem-15360	54	10	revolut	revolut	NOUN
fbem-15360	54	11	and	and	CCONJ
fbem-15360	54	12	monzo	monzo	PROPN
fbem-15360	54	13	is	be	AUX
fbem-15360	54	14	reinforcing	reinforce	VERB
fbem-15360	54	15	the	the	DET
fbem-15360	54	16	competitive	competitive	ADJ
fbem-15360	54	17	advantage	advantage	NOUN
fbem-15360	54	18	by	by	ADP
fbem-15360	54	19	grabbing	grab	VERB
fbem-15360	54	20	a	a	DET
fbem-15360	54	21	larger	large	ADJ
fbem-15360	54	22	share	share	NOUN
fbem-15360	54	23	of	of	ADP
fbem-15360	54	24	customers	customer	NOUN
fbem-15360	54	25	'	'	PART
fbem-15360	54	26	wallets	wallet	NOUN
fbem-15360	54	27	and	and	CCONJ
fbem-15360	54	28	producing	produce	VERB
fbem-15360	54	29	material	material	NOUN
fbem-15360	54	30	gains	gain	NOUN
fbem-15360	54	31	.	.	PUNCT
fbem-15360	55	1	the	the	DET
fbem-15360	55	2	answer	answer	NOUN
fbem-15360	55	3	to	to	ADP
fbem-15360	55	4	this	this	DET
fbem-15360	55	5	challenge	challenge	NOUN
fbem-15360	55	6	is	be	AUX
fbem-15360	55	7	in	in	ADP
fbem-15360	55	8	entrenching	entrench	VERB
fbem-15360	55	9	ai	ai	PRON
fbem-15360	55	10	data	datum	NOUN
fbem-15360	55	11	and	and	CCONJ
fbem-15360	55	12	capabilities	capability	NOUN
fbem-15360	55	13	across	across	ADP
fbem-15360	55	14	key	key	ADJ
fbem-15360	55	15	aspects	aspect	NOUN
fbem-15360	55	16	of	of	ADP
fbem-15360	55	17	operations	operation	NOUN
fbem-15360	55	18	of	of	ADP
fbem-15360	55	19	the	the	DET
fbem-15360	55	20	fintech	fintech	NOUN
fbem-15360	55	21	firms	firm	NOUN
fbem-15360	55	22	.	.	PUNCT
fbem-15360	56	1	for	for	ADP
fbem-15360	56	2	example	example	NOUN
fbem-15360	56	3	,	,	PUNCT
fbem-15360	56	4	ai	ai	INTJ
fbem-15360	56	5	has	have	AUX
fbem-15360	56	6	helped	help	VERB
fbem-15360	56	7	revolut	revolut	VERB
fbem-15360	56	8	implement	implement	VERB
fbem-15360	56	9	automated	automate	VERB
fbem-15360	56	10	investment	investment	NOUN
fbem-15360	56	11	in	in	ADP
fbem-15360	56	12	the	the	DET
fbem-15360	56	13	u.s.a	u.s.a	NOUN
fbem-15360	56	14	.	.	PUNCT
fbem-15360	57	1	as	as	ADP
fbem-15360	57	2	a	a	DET
fbem-15360	57	3	roboadviser	roboadviser	NOUN
fbem-15360	57	4	launched	launch	VERB
fbem-15360	57	5	by	by	ADP
fbem-15360	57	6	the	the	DET
fbem-15360	57	7	firm	firm	NOUN
fbem-15360	57	8	to	to	PART
fbem-15360	57	9	automate	automate	VERB
fbem-15360	57	10	the	the	DET
fbem-15360	57	11	customers	customer	NOUN
fbem-15360	57	12	’	’	PART
fbem-15360	57	13	investment	investment	NOUN
fbem-15360	57	14	portfolios	portfolio	NOUN
fbem-15360	57	15	and	and	CCONJ
fbem-15360	57	16	eradicate	eradicate	VERB
fbem-15360	57	17	the	the	DET
fbem-15360	57	18	resistance	resistance	NOUN
fbem-15360	57	19	to	to	ADP
fbem-15360	57	20	investing	investing	NOUN
fbem-15360	57	21	.	.	PUNCT
fbem-15360	58	1	the	the	DET
fbem-15360	58	2	robo	robo	NOUN
fbem-15360	58	3	-	-	PUNCT
fbem-15360	58	4	advisor	advisor	NOUN
fbem-15360	58	5	will	will	AUX
fbem-15360	58	6	entail	entail	VERB
fbem-15360	58	7	the	the	DET
fbem-15360	58	8	users	user	NOUN
fbem-15360	58	9	making	make	VERB
fbem-15360	58	10	intelligent	intelligent	ADJ
fbem-15360	58	11	investments	investment	NOUN
fbem-15360	58	12	grounded	ground	VERB
fbem-15360	58	13	on	on	ADP
fbem-15360	58	14	their	their	PRON
fbem-15360	58	15	risk	risk	NOUN
fbem-15360	58	16	tolerance	tolerance	NOUN
fbem-15360	58	17	[	[	X
fbem-15360	58	18	9	9	NUM
fbem-15360	58	19	]	]	PUNCT
fbem-15360	58	20	.	.	PUNCT
fbem-15360	59	1	thus	thus	ADV
fbem-15360	59	2	,	,	PUNCT
fbem-15360	59	3	using	use	VERB
fbem-15360	59	4	artificial	artificial	ADJ
fbem-15360	59	5	intelligence	intelligence	NOUN
fbem-15360	59	6	-	-	PUNCT
fbem-15360	59	7	driven	drive	VERB
fbem-15360	59	8	robo	robo	NOUN
fbem-15360	59	9	-	-	PUNCT
fbem-15360	59	10	advisor	advisor	NOUN
fbem-15360	59	11	is	be	AUX
fbem-15360	59	12	competitive	competitive	ADJ
fbem-15360	59	13	in	in	ADP
fbem-15360	59	14	providing	provide	VERB
fbem-15360	59	15	investments	investment	NOUN
fbem-15360	59	16	’	'	PUNCT
fbem-15360	59	17	value	value	NOUN
fbem-15360	59	18	propositions	proposition	NOUN
fbem-15360	59	19	that	that	PRON
fbem-15360	59	20	are	be	AUX
fbem-15360	59	21	automated	automate	VERB
fbem-15360	59	22	with	with	ADP
fbem-15360	59	23	well	well	ADV
fbem-15360	59	24	-	-	PUNCT
fbem-15360	59	25	managed	manage	VERB
fbem-15360	59	26	portfolios	portfolio	NOUN
fbem-15360	59	27	in	in	ADP
fbem-15360	59	28	the	the	DET
fbem-15360	59	29	fintech	fintech	NOUN
fbem-15360	59	30	sector	sector	NOUN
fbem-15360	59	31	.	.	PUNCT
fbem-15360	60	1	6	6	X
fbem-15360	60	2	.	.	X
fbem-15360	60	3	challenges	challenge	NOUN
fbem-15360	60	4	of	of	ADP
fbem-15360	60	5	ai	ai	ADJ
fbem-15360	60	6	-	-	PUNCT
fbem-15360	60	7	driven	drive	VERB
fbem-15360	60	8	fintech	fintech	NOUN
fbem-15360	60	9	solutions	solution	NOUN
fbem-15360	60	10	however	however	ADV
fbem-15360	60	11	,	,	PUNCT
fbem-15360	60	12	fintech	fintech	NOUN
fbem-15360	60	13	firms	firm	NOUN
fbem-15360	60	14	face	face	VERB
fbem-15360	60	15	some	some	DET
fbem-15360	60	16	regulatory	regulatory	ADJ
fbem-15360	60	17	challenges	challenge	NOUN
fbem-15360	60	18	in	in	ADP
fbem-15360	60	19	implementing	implement	VERB
fbem-15360	60	20	robo	robo	NOUN
fbem-15360	60	21	-	-	PUNCT
fbem-15360	60	22	advisor	advisor	NOUN
fbem-15360	60	23	in	in	ADP
fbem-15360	60	24	the	the	DET
fbem-15360	60	25	fintech	fintech	NOUN
fbem-15360	60	26	scenario	scenario	NOUN
fbem-15360	60	27	of	of	ADP
fbem-15360	60	28	automated	automate	VERB
fbem-15360	60	29	investment	investment	NOUN
fbem-15360	60	30	or	or	CCONJ
fbem-15360	60	31	smart	smart	ADJ
fbem-15360	60	32	banking	banking	NOUN
fbem-15360	60	33	.	.	PUNCT
fbem-15360	61	1	revolut	revolut	PROPN
fbem-15360	61	2	faced	face	VERB
fbem-15360	61	3	a	a	DET
fbem-15360	61	4	possible	possible	ADJ
fbem-15360	61	5	encounter	encounter	NOUN
fbem-15360	61	6	between	between	ADP
fbem-15360	61	7	laws	law	NOUN
fbem-15360	61	8	based	base	VERB
fbem-15360	61	9	on	on	ADP
fbem-15360	61	10	data	datum	NOUN
fbem-15360	61	11	privacy	privacy	NOUN
fbem-15360	61	12	laws	law	NOUN
fbem-15360	61	13	that	that	PRON
fbem-15360	61	14	limit	limit	VERB
fbem-15360	61	15	the	the	DET
fbem-15360	61	16	ways	way	NOUN
fbem-15360	61	17	specific	specific	ADJ
fbem-15360	61	18	data	datum	NOUN
fbem-15360	61	19	can	can	AUX
fbem-15360	61	20	be	be	AUX
fbem-15360	61	21	collected	collect	VERB
fbem-15360	61	22	,	,	PUNCT
fbem-15360	61	23	utilised	utilise	VERB
fbem-15360	61	24	,	,	PUNCT
fbem-15360	61	25	and	and	CCONJ
fbem-15360	61	26	revealed	reveal	VERB
fbem-15360	61	27	versus	versus	ADP
fbem-15360	61	28	how	how	SCONJ
fbem-15360	61	29	artificial	artificial	ADJ
fbem-15360	61	30	-	-	PUNCT
fbem-15360	61	31	intelligence	intelligence	NOUN
fbem-15360	61	32	-	-	PUNCT
fbem-15360	61	33	driven	drive	VERB
fbem-15360	61	34	solutions	solution	NOUN
fbem-15360	61	35	depend	depend	VERB
fbem-15360	61	36	on	on	ADP
fbem-15360	61	37	a	a	DET
fbem-15360	61	38	significant	significant	ADJ
fbem-15360	61	39	portion	portion	NOUN
fbem-15360	61	40	of	of	ADP
fbem-15360	61	41	raw	raw	ADJ
fbem-15360	61	42	data	datum	NOUN
fbem-15360	61	43	to	to	PART
fbem-15360	61	44	frame	frame	VERB
fbem-15360	61	45	predictions	prediction	NOUN
fbem-15360	61	46	[	[	X
fbem-15360	61	47	10	10	NUM
fbem-15360	61	48	]	]	PUNCT
fbem-15360	61	49	.	.	PUNCT
fbem-15360	62	1	still	still	ADV
fbem-15360	62	2	,	,	PUNCT
fbem-15360	62	3	revolut	revolut	PROPN
fbem-15360	62	4	has	have	AUX
fbem-15360	62	5	effectively	effectively	ADV
fbem-15360	62	6	refined	refine	VERB
fbem-15360	62	7	its	its	PRON
fbem-15360	62	8	strategy	strategy	NOUN
fbem-15360	62	9	in	in	ADP
fbem-15360	62	10	order	order	NOUN
fbem-15360	62	11	to	to	PART
fbem-15360	62	12	become	become	VERB
fbem-15360	62	13	competitive	competitive	ADJ
fbem-15360	62	14	and	and	CCONJ
fbem-15360	62	15	compete	compete	VERB
fbem-15360	62	16	with	with	ADP
fbem-15360	62	17	the	the	DET
fbem-15360	62	18	traditional	traditional	ADJ
fbem-15360	62	19	banking	banking	NOUN
fbem-15360	62	20	systems	system	NOUN
fbem-15360	62	21	and	and	CCONJ
fbem-15360	62	22	major	major	ADJ
fbem-15360	62	23	payment	payment	NOUN
fbem-15360	62	24	technology	technology	NOUN
fbem-15360	62	25	firms	firm	NOUN
fbem-15360	62	26	by	by	ADP
fbem-15360	62	27	launching	launch	VERB
fbem-15360	62	28	a	a	DET
fbem-15360	62	29	robo	robo	NOUN
fbem-15360	62	30	-	-	PUNCT
fbem-15360	62	31	advisor	advisor	NOUN
fbem-15360	62	32	for	for	ADP
fbem-15360	62	33	intelligent	intelligent	ADJ
fbem-15360	62	34	investment	investment	NOUN
fbem-15360	62	35	[	[	X
fbem-15360	62	36	11	11	NUM
fbem-15360	62	37	]	]	PUNCT
fbem-15360	62	38	.	.	PUNCT
fbem-15360	63	1	since	since	SCONJ
fbem-15360	63	2	the	the	DET
fbem-15360	63	3	fintech	fintech	NOUN
fbem-15360	63	4	services	service	NOUN
fbem-15360	63	5	generally	generally	ADV
fbem-15360	63	6	rely	rely	VERB
fbem-15360	63	7	on	on	ADP
fbem-15360	63	8	the	the	DET
fbem-15360	63	9	data	datum	NOUN
fbem-15360	63	10	,	,	PUNCT
fbem-15360	63	11	even	even	ADV
fbem-15360	63	12	in	in	ADP
fbem-15360	63	13	the	the	DET
fbem-15360	63	14	era	era	NOUN
fbem-15360	63	15	of	of	ADP
fbem-15360	63	16	artificial	artificial	ADJ
fbem-15360	63	17	intelligence	intelligence	NOUN
fbem-15360	63	18	,	,	PUNCT
fbem-15360	63	19	it	it	PRON
fbem-15360	63	20	is	be	AUX
fbem-15360	63	21	critical	critical	ADJ
fbem-15360	63	22	for	for	SCONJ
fbem-15360	63	23	fintech	fintech	NOUN
fbem-15360	63	24	firms	firm	NOUN
fbem-15360	63	25	to	to	PART
fbem-15360	63	26	point	point	VERB
fbem-15360	63	27	towards	towards	ADP
fbem-15360	63	28	ai	ai	ADJ
fbem-15360	63	29	-	-	PUNCT
fbem-15360	63	30	driven	drive	VERB
fbem-15360	63	31	technologies	technology	NOUN
fbem-15360	63	32	for	for	ADP
fbem-15360	63	33	making	make	VERB
fbem-15360	63	34	smart	smart	ADJ
fbem-15360	63	35	banking	banking	NOUN
fbem-15360	63	36	more	more	ADV
fbem-15360	63	37	effective	effective	ADJ
fbem-15360	63	38	.	.	PUNCT
fbem-15360	64	1	further	far	ADV
fbem-15360	64	2	,	,	PUNCT
fbem-15360	64	3	according	accord	VERB
fbem-15360	64	4	to	to	ADP
fbem-15360	64	5	maiti	maiti	PROPN
fbem-15360	64	6	and	and	CCONJ
fbem-15360	64	7	ghosh	ghosh	PROPN
fbem-15360	64	8	,	,	PUNCT
fbem-15360	64	9	as	as	ADP
fbem-15360	64	10	distracting	distract	VERB
fbem-15360	64	11	technology	technology	NOUN
fbem-15360	64	12	of	of	ADP
fbem-15360	64	13	the	the	DET
fbem-15360	64	14	future	future	NOUN
fbem-15360	64	15	,	,	PUNCT
fbem-15360	64	16	financial	financial	ADJ
fbem-15360	64	17	technology	technology	NOUN
fbem-15360	64	18	firms	firm	NOUN
fbem-15360	64	19	like	like	ADP
fbem-15360	64	20	revolut	revolut	PROPN
fbem-15360	64	21	,	,	PUNCT
fbem-15360	64	22	monzo	monzo	PROPN
fbem-15360	64	23	,	,	PUNCT
fbem-15360	64	24	and	and	CCONJ
fbem-15360	64	25	others	other	NOUN
fbem-15360	64	26	should	should	AUX
fbem-15360	64	27	take	take	VERB
fbem-15360	64	28	into	into	ADP
fbem-15360	64	29	consideration	consideration	NOUN
fbem-15360	64	30	three	three	NUM
fbem-15360	64	31	main	main	ADJ
fbem-15360	64	32	aspects	aspect	NOUN
fbem-15360	64	33	,	,	PUNCT
fbem-15360	64	34	like	like	ADP
fbem-15360	64	35	ubiquity	ubiquity	NOUN
fbem-15360	64	36	,	,	PUNCT
fbem-15360	64	37	stern	stern	ADJ
fbem-15360	64	38	regulations	regulation	NOUN
fbem-15360	64	39	,	,	PUNCT
fbem-15360	64	40	and	and	CCONJ
fbem-15360	64	41	safety	safety	NOUN
fbem-15360	64	42	to	to	PART
fbem-15360	64	43	provide	provide	VERB
fbem-15360	64	44	financial	financial	ADJ
fbem-15360	64	45	stability	stability	NOUN
fbem-15360	64	46	to	to	ADP
fbem-15360	64	47	the	the	DET
fbem-15360	64	48	customers	customer	NOUN
fbem-15360	64	49	.	.	PUNCT
fbem-15360	65	1	thus	thus	ADV
fbem-15360	65	2	,	,	PUNCT
fbem-15360	65	3	it	it	PRON
fbem-15360	65	4	is	be	AUX
fbem-15360	65	5	not	not	PART
fbem-15360	65	6	wrong	wrong	ADJ
fbem-15360	65	7	to	to	PART
fbem-15360	65	8	state	state	VERB
fbem-15360	65	9	that	that	SCONJ
fbem-15360	65	10	there	there	PRON
fbem-15360	65	11	should	should	AUX
fbem-15360	65	12	be	be	AUX
fbem-15360	65	13	appropriate	appropriate	ADJ
fbem-15360	65	14	data	datum	NOUN
fbem-15360	65	15	privacy	privacy	NOUN
fbem-15360	65	16	regulations	regulation	NOUN
fbem-15360	65	17	in	in	ADP
fbem-15360	65	18	the	the	DET
fbem-15360	65	19	use	use	NOUN
fbem-15360	65	20	of	of	ADP
fbem-15360	65	21	ai	ai	ADJ
fbem-15360	65	22	-	-	PUNCT
fbem-15360	65	23	driven	drive	VERB
fbem-15360	65	24	fintech	fintech	NOUN
fbem-15360	65	25	solutions	solution	NOUN
fbem-15360	65	26	in	in	ADP
fbem-15360	65	27	the	the	DET
fbem-15360	65	28	scenario	scenario	NOUN
fbem-15360	65	29	of	of	ADP
fbem-15360	65	30	intelligent	intelligent	ADJ
fbem-15360	65	31	investment	investment	NOUN
fbem-15360	65	32	,	,	PUNCT
fbem-15360	65	33	as	as	SCONJ
fbem-15360	65	34	improper	improper	ADJ
fbem-15360	65	35	management	management	NOUN
fbem-15360	65	36	will	will	AUX
fbem-15360	65	37	result	result	VERB
fbem-15360	65	38	in	in	ADP
fbem-15360	65	39	the	the	DET
fbem-15360	65	40	breach	breach	NOUN
fbem-15360	65	41	of	of	ADP
fbem-15360	65	42	confidentiality	confidentiality	NOUN
fbem-15360	65	43	,	,	PUNCT
fbem-15360	65	44	financial	financial	ADJ
fbem-15360	65	45	loss	loss	NOUN
fbem-15360	65	46	,	,	PUNCT
fbem-15360	65	47	and	and	CCONJ
fbem-15360	65	48	identity	identity	NOUN
fbem-15360	65	49	theft	theft	NOUN
fbem-15360	65	50	.	.	PUNCT
fbem-15360	66	1	to	to	PART
fbem-15360	66	2	deal	deal	VERB
fbem-15360	66	3	with	with	ADP
fbem-15360	66	4	the	the	DET
fbem-15360	66	5	challenges	challenge	NOUN
fbem-15360	66	6	,	,	PUNCT
fbem-15360	66	7	some	some	DET
fbem-15360	66	8	potential	potential	ADJ
fbem-15360	66	9	ways	way	NOUN
fbem-15360	66	10	and	and	CCONJ
fbem-15360	66	11	strategies	strategy	NOUN
fbem-15360	66	12	are	be	AUX
fbem-15360	66	13	recommended	recommend	VERB
fbem-15360	66	14	to	to	ADP
fbem-15360	66	15	the	the	DET
fbem-15360	66	16	practitioners	practitioner	NOUN
fbem-15360	66	17	and	and	CCONJ
fbem-15360	66	18	policy	policy	NOUN
fbem-15360	66	19	makers	maker	NOUN
fbem-15360	66	20	in	in	ADP
fbem-15360	66	21	the	the	DET
fbem-15360	66	22	fintech	fintech	NOUN
fbem-15360	66	23	industry	industry	NOUN
fbem-15360	66	24	to	to	PART
fbem-15360	66	25	develop	develop	VERB
fbem-15360	66	26	ai	ai	VERB
fbem-15360	66	27	-	-	PUNCT
fbem-15360	66	28	driven	drive	VERB
fbem-15360	66	29	fintech	fintech	NOUN
fbem-15360	66	30	solutions	solution	NOUN
fbem-15360	66	31	effectively	effectively	ADV
fbem-15360	66	32	(	(	PUNCT
fbem-15360	66	33	as	as	SCONJ
fbem-15360	66	34	shown	show	VERB
fbem-15360	66	35	in	in	ADP
fbem-15360	66	36	figure	figure	NOUN
fbem-15360	66	37	1	1	NUM
fbem-15360	66	38	)	)	PUNCT
fbem-15360	66	39	.	.	PUNCT
fbem-15360	67	1	14	14	NUM
fbem-15360	67	2	figure	figure	NOUN
fbem-15360	67	3	1	1	NUM
fbem-15360	67	4	.	.	NOUN
fbem-15360	67	5	six	six	NUM
fbem-15360	67	6	potential	potential	ADJ
fbem-15360	67	7	ways	way	NOUN
fbem-15360	67	8	forward	forward	ADV
fbem-15360	67	9	for	for	ADP
fbem-15360	67	10	artificial	artificial	ADJ
fbem-15360	67	11	intelligence	intelligence	NOUN
fbem-15360	67	12	(	(	PUNCT
fbem-15360	67	13	ai	ai	NOUN
fbem-15360	67	14	)	)	PUNCT
fbem-15360	67	15	practitioners	practitioner	NOUN
fbem-15360	67	16	and	and	CCONJ
fbem-15360	67	17	business	business	NOUN
fbem-15360	67	18	and	and	CCONJ
fbem-15360	67	19	policy	policy	NOUN
fbem-15360	67	20	leaders	leader	NOUN
fbem-15360	67	21	to	to	ADP
fbem-15360	67	22	consider[8	consider[8	PROPN
fbem-15360	67	23	]	]	PUNCT
fbem-15360	67	24	the	the	DET
fbem-15360	67	25	figure	figure	NOUN
fbem-15360	67	26	explicitly	explicitly	ADV
fbem-15360	67	27	demonstrates	demonstrate	VERB
fbem-15360	67	28	that	that	SCONJ
fbem-15360	67	29	fintech	fintech	NOUN
fbem-15360	67	30	practitioners	practitioner	NOUN
fbem-15360	67	31	need	need	VERB
fbem-15360	67	32	to	to	PART
fbem-15360	67	33	be	be	AUX
fbem-15360	67	34	mindful	mindful	ADJ
fbem-15360	67	35	of	of	ADP
fbem-15360	67	36	the	the	DET
fbem-15360	67	37	areas	area	NOUN
fbem-15360	67	38	where	where	SCONJ
fbem-15360	67	39	ai	ai	VERB
fbem-15360	67	40	can	can	AUX
fbem-15360	67	41	be	be	AUX
fbem-15360	67	42	effective	effective	ADJ
fbem-15360	67	43	and	and	CCONJ
fbem-15360	67	44	where	where	SCONJ
fbem-15360	67	45	it	it	PRON
fbem-15360	67	46	can	can	AUX
fbem-15360	67	47	produce	produce	VERB
fbem-15360	67	48	biases	bias	NOUN
fbem-15360	67	49	to	to	PART
fbem-15360	67	50	provide	provide	VERB
fbem-15360	67	51	ineffective	ineffective	ADJ
fbem-15360	67	52	results	result	NOUN
fbem-15360	67	53	.	.	PUNCT
fbem-15360	68	1	similarly	similarly	ADV
fbem-15360	68	2	,	,	PUNCT
fbem-15360	68	3	the	the	DET
fbem-15360	68	4	fintech	fintech	NOUN
fbem-15360	68	5	policy	policy	NOUN
fbem-15360	68	6	leaders	leader	NOUN
fbem-15360	68	7	and	and	CCONJ
fbem-15360	68	8	practitioners	practitioner	NOUN
fbem-15360	68	9	like	like	ADP
fbem-15360	68	10	revolut	revolut	NOUN
fbem-15360	68	11	and	and	CCONJ
fbem-15360	68	12	others	other	NOUN
fbem-15360	68	13	must	must	AUX
fbem-15360	68	14	establish	establish	VERB
fbem-15360	68	15	processes	process	NOUN
fbem-15360	68	16	to	to	PART
fbem-15360	68	17	examine	examine	VERB
fbem-15360	68	18	and	and	CCONJ
fbem-15360	68	19	alleviate	alleviate	VERB
fbem-15360	68	20	the	the	DET
fbem-15360	68	21	biased	bias	VERB
fbem-15360	68	22	produced	produce	VERB
fbem-15360	68	23	by	by	ADP
fbem-15360	68	24	ai	ai	ADJ
fbem-15360	68	25	-	-	PUNCT
fbem-15360	68	26	driven	drive	VERB
fbem-15360	68	27	solutions	solution	NOUN
fbem-15360	68	28	.	.	PUNCT
fbem-15360	69	1	it	it	PRON
fbem-15360	69	2	is	be	AUX
fbem-15360	69	3	required	require	VERB
fbem-15360	69	4	to	to	PART
fbem-15360	69	5	ensure	ensure	VERB
fbem-15360	69	6	the	the	DET
fbem-15360	69	7	effective	effective	ADJ
fbem-15360	69	8	alignment	alignment	NOUN
fbem-15360	69	9	between	between	ADP
fbem-15360	69	10	humans	human	NOUN
fbem-15360	69	11	and	and	CCONJ
fbem-15360	69	12	machines	machine	NOUN
fbem-15360	69	13	providing	provide	VERB
fbem-15360	69	14	intelligent	intelligent	ADJ
fbem-15360	69	15	investment	investment	NOUN
fbem-15360	69	16	services	service	NOUN
fbem-15360	69	17	.	.	PUNCT
fbem-15360	70	1	for	for	ADP
fbem-15360	70	2	example	example	NOUN
fbem-15360	70	3	,	,	PUNCT
fbem-15360	70	4	revolut	revolut	PROPN
fbem-15360	70	5	needs	need	VERB
fbem-15360	70	6	to	to	PART
fbem-15360	70	7	establish	establish	VERB
fbem-15360	70	8	a	a	DET
fbem-15360	70	9	system	system	NOUN
fbem-15360	70	10	to	to	PART
fbem-15360	70	11	ensure	ensure	VERB
fbem-15360	70	12	that	that	SCONJ
fbem-15360	70	13	the	the	DET
fbem-15360	70	14	robo	robo	NOUN
fbem-15360	70	15	-	-	PUNCT
fbem-15360	70	16	advisor	advisor	NOUN
fbem-15360	70	17	is	be	AUX
fbem-15360	70	18	aligned	align	VERB
fbem-15360	70	19	and	and	CCONJ
fbem-15360	70	20	works	work	VERB
fbem-15360	70	21	well	well	ADV
fbem-15360	70	22	with	with	ADP
fbem-15360	70	23	the	the	DET
fbem-15360	70	24	human	human	ADJ
fbem-15360	70	25	work	work	NOUN
fbem-15360	70	26	system.arslanian	system.arslanian	NOUN
fbem-15360	70	27	and	and	CCONJ
fbem-15360	70	28	fischer	fischer	NOUN
fbem-15360	71	1	[	[	X
fbem-15360	71	2	12	12	NUM
fbem-15360	71	3	]	]	PUNCT
fbem-15360	71	4	asserted	assert	VERB
fbem-15360	71	5	that	that	SCONJ
fbem-15360	71	6	a	a	DET
fbem-15360	71	7	strategic	strategic	ADJ
fbem-15360	71	8	model	model	NOUN
fbem-15360	71	9	incorporating	incorporate	VERB
fbem-15360	71	10	the	the	DET
fbem-15360	71	11	internet	internet	NOUN
fbem-15360	71	12	of	of	ADP
fbem-15360	71	13	things	thing	NOUN
fbem-15360	71	14	and	and	CCONJ
fbem-15360	71	15	artificial	artificial	ADJ
fbem-15360	71	16	intelligence	intelligence	NOUN
fbem-15360	71	17	would	would	AUX
fbem-15360	71	18	revolutionise	revolutionise	VERB
fbem-15360	71	19	the	the	DET
fbem-15360	71	20	automated	automate	VERB
fbem-15360	71	21	investment	investment	NOUN
fbem-15360	71	22	scenario	scenario	NOUN
fbem-15360	71	23	of	of	ADP
fbem-15360	71	24	fintech	fintech	NOUN
fbem-15360	71	25	firms	firm	NOUN
fbem-15360	71	26	and	and	CCONJ
fbem-15360	71	27	practitioners	practitioner	NOUN
fbem-15360	71	28	in	in	ADP
fbem-15360	71	29	the	the	DET
fbem-15360	71	30	future	future	NOUN
fbem-15360	71	31	.	.	PUNCT
fbem-15360	72	1	in	in	ADP
fbem-15360	72	2	addition	addition	NOUN
fbem-15360	72	3	,	,	PUNCT
fbem-15360	72	4	ai	ai	ADJ
fbem-15360	72	5	-	-	PUNCT
fbem-15360	72	6	driven	drive	VERB
fbem-15360	72	7	fintech	fintech	NOUN
fbem-15360	72	8	solutions	solution	NOUN
fbem-15360	72	9	like	like	ADP
fbem-15360	72	10	roboadvisors	roboadvisor	NOUN
fbem-15360	72	11	and	and	CCONJ
fbem-15360	72	12	ai	ai	PROPN
fbem-15360	72	13	chatbots	chatbot	NOUN
fbem-15360	72	14	will	will	AUX
fbem-15360	72	15	replace	replace	VERB
fbem-15360	72	16	traditional	traditional	ADJ
fbem-15360	72	17	financial	financial	ADJ
fbem-15360	72	18	advisors	advisor	NOUN
fbem-15360	72	19	.	.	PUNCT
fbem-15360	73	1	7	7	X
fbem-15360	73	2	.	.	X
fbem-15360	73	3	chatgpt	chatgpt	NOUN
fbem-15360	73	4	and	and	CCONJ
fbem-15360	73	5	fintech	fintech	NOUN
fbem-15360	73	6	further	far	ADV
fbem-15360	73	7	,	,	PUNCT
fbem-15360	73	8	the	the	DET
fbem-15360	73	9	newest	new	ADJ
fbem-15360	73	10	ai	ai	VERB
fbem-15360	73	11	language	language	NOUN
fbem-15360	73	12	model	model	NOUN
fbem-15360	73	13	,	,	PUNCT
fbem-15360	73	14	chatgpt	chatgpt	NOUN
fbem-15360	73	15	,	,	PUNCT
fbem-15360	73	16	which	which	PRON
fbem-15360	73	17	employs	employ	VERB
fbem-15360	73	18	very	very	ADV
fbem-15360	73	19	vast	vast	ADJ
fbem-15360	73	20	data	datum	NOUN
fbem-15360	73	21	and	and	CCONJ
fbem-15360	73	22	improved	improved	ADJ
fbem-15360	73	23	learning	learn	VERB
fbem-15360	73	24	algorithms	algorithm	NOUN
fbem-15360	73	25	to	to	PART
fbem-15360	73	26	generate	generate	VERB
fbem-15360	73	27	dialogue	dialogue	NOUN
fbem-15360	73	28	responses	response	NOUN
fbem-15360	73	29	to	to	ADP
fbem-15360	73	30	questions	question	NOUN
fbem-15360	73	31	,	,	PUNCT
fbem-15360	73	32	was	be	AUX
fbem-15360	73	33	released	release	VERB
fbem-15360	73	34	by	by	ADP
fbem-15360	73	35	open	open	ADJ
fbem-15360	73	36	ai	ai	VERB
fbem-15360	73	37	in	in	ADP
fbem-15360	73	38	november	november	PROPN
fbem-15360	73	39	2022	2022	NUM
fbem-15360	73	40	.	.	PUNCT
fbem-15360	74	1	the	the	DET
fbem-15360	74	2	platform	platform	NOUN
fbem-15360	74	3	reached	reach	VERB
fbem-15360	74	4	over	over	ADP
fbem-15360	74	5	a	a	DET
fbem-15360	74	6	million	million	NUM
fbem-15360	74	7	users	user	NOUN
fbem-15360	74	8	in	in	ADP
fbem-15360	74	9	its	its	PRON
fbem-15360	74	10	first	first	ADJ
fbem-15360	74	11	week	week	NOUN
fbem-15360	74	12	of	of	ADP
fbem-15360	74	13	general	general	ADJ
fbem-15360	74	14	availability	availability	NOUN
fbem-15360	74	15	due	due	ADP
fbem-15360	74	16	to	to	ADP
fbem-15360	74	17	its	its	PRON
fbem-15360	74	18	potent	potent	ADJ
fbem-15360	74	19	algorithms	algorithm	NOUN
fbem-15360	74	20	and	and	CCONJ
fbem-15360	74	21	data	datum	NOUN
fbem-15360	74	22	offering	offer	VERB
fbem-15360	74	23	somewhat	somewhat	ADV
fbem-15360	74	24	credible	credible	ADJ
fbem-15360	74	25	answers	answer	NOUN
fbem-15360	74	26	,	,	PUNCT
fbem-15360	74	27	earning	earn	VERB
fbem-15360	74	28	it	it	PRON
fbem-15360	74	29	the	the	DET
fbem-15360	74	30	moniker	moniker	NOUN
fbem-15360	74	31	"	"	PUNCT
fbem-15360	74	32	the	the	DET
fbem-15360	74	33	next	next	ADJ
fbem-15360	74	34	big	big	ADJ
fbem-15360	74	35	disruptor	disruptor	NOUN
fbem-15360	74	36	in	in	ADP
fbem-15360	74	37	the	the	DET
fbem-15360	74	38	industry"[1	industry"[1	PROPN
fbem-15360	74	39	]	]	PUNCT
fbem-15360	74	40	.	.	PUNCT
fbem-15360	75	1	another	another	DET
fbem-15360	75	2	author	author	NOUN
fbem-15360	75	3	was	be	AUX
fbem-15360	75	4	able	able	ADJ
fbem-15360	75	5	to	to	PART
fbem-15360	75	6	create	create	VERB
fbem-15360	75	7	a	a	DET
fbem-15360	75	8	reasonably	reasonably	ADV
fbem-15360	75	9	thorough	thorough	ADJ
fbem-15360	75	10	manual	manual	NOUN
fbem-15360	75	11	for	for	ADP
fbem-15360	75	12	quantitative	quantitative	ADJ
fbem-15360	75	13	trading	trading	NOUN
fbem-15360	75	14	that	that	PRON
fbem-15360	75	15	was	be	AUX
fbem-15360	75	16	nearly	nearly	ADV
fbem-15360	75	17	totally	totally	ADV
fbem-15360	75	18	exported	export	VERB
fbem-15360	75	19	through	through	ADP
fbem-15360	75	20	chatgpt	chatgpt	NOUN
fbem-15360	75	21	because	because	SCONJ
fbem-15360	75	22	of	of	ADP
fbem-15360	75	23	the	the	DET
fbem-15360	75	24	numerous	numerous	ADJ
fbem-15360	75	25	current	current	ADJ
fbem-15360	75	26	applications	application	NOUN
fbem-15360	75	27	of	of	ADP
fbem-15360	75	28	ai	ai	VERB
fbem-15360	75	29	in	in	ADP
fbem-15360	75	30	the	the	DET
fbem-15360	75	31	fintech	fintech	NOUN
fbem-15360	75	32	industry	industry	NOUN
fbem-15360	75	33	.	.	PUNCT
fbem-15360	76	1	this	this	PRON
fbem-15360	76	2	demonstrates	demonstrate	VERB
fbem-15360	76	3	ai	ai	VERB
fbem-15360	76	4	's	's	PART
fbem-15360	76	5	phenomenal	phenomenal	ADJ
fbem-15360	76	6	development	development	NOUN
fbem-15360	76	7	and	and	CCONJ
fbem-15360	76	8	potential	potential	NOUN
fbem-15360	76	9	in	in	ADP
fbem-15360	76	10	the	the	DET
fbem-15360	76	11	fields	field	NOUN
fbem-15360	76	12	of	of	ADP
fbem-15360	76	13	fintech	fintech	NOUN
fbem-15360	76	14	,	,	PUNCT
fbem-15360	76	15	financial	financial	ADJ
fbem-15360	76	16	analytics	analytic	NOUN
fbem-15360	76	17	,	,	PUNCT
fbem-15360	76	18	and	and	CCONJ
fbem-15360	76	19	social	social	ADJ
fbem-15360	76	20	intelligence	intelligence	NOUN
fbem-15360	76	21	.	.	PUNCT
fbem-15360	77	1	the	the	DET
fbem-15360	77	2	use	use	NOUN
fbem-15360	77	3	of	of	ADP
fbem-15360	77	4	chatgpt	chatgpt	NOUN
fbem-15360	77	5	is	be	AUX
fbem-15360	77	6	witnessed	witness	VERB
fbem-15360	77	7	through	through	ADP
fbem-15360	77	8	the	the	DET
fbem-15360	77	9	use	use	NOUN
fbem-15360	77	10	of	of	ADP
fbem-15360	77	11	ai	ai	ADJ
fbem-15360	77	12	-	-	PUNCT
fbem-15360	77	13	driven	drive	VERB
fbem-15360	77	14	chatbots	chatbot	NOUN
fbem-15360	77	15	in	in	ADP
fbem-15360	77	16	the	the	DET
fbem-15360	77	17	fintech	fintech	NOUN
fbem-15360	77	18	sector	sector	NOUN
fbem-15360	77	19	to	to	PART
fbem-15360	77	20	increase	increase	VERB
fbem-15360	77	21	customer	customer	NOUN
fbem-15360	77	22	service	service	NOUN
fbem-15360	77	23	and	and	CCONJ
fbem-15360	77	24	change	change	VERB
fbem-15360	77	25	the	the	DET
fbem-15360	77	26	way	way	NOUN
fbem-15360	77	27	humans	human	NOUN
fbem-15360	77	28	interact	interact	VERB
fbem-15360	77	29	with	with	ADP
fbem-15360	77	30	technology	technology	NOUN
fbem-15360	77	31	[	[	X
fbem-15360	77	32	13	13	NUM
fbem-15360	77	33	]	]	PUNCT
fbem-15360	77	34	.	.	PUNCT
fbem-15360	78	1	however	however	ADV
fbem-15360	78	2	,	,	PUNCT
fbem-15360	78	3	compliance	compliance	NOUN
fbem-15360	78	4	and	and	CCONJ
fbem-15360	78	5	regulatory	regulatory	ADJ
fbem-15360	78	6	practices	practice	NOUN
fbem-15360	78	7	are	be	AUX
fbem-15360	78	8	key	key	ADJ
fbem-15360	78	9	issues	issue	NOUN
fbem-15360	78	10	in	in	ADP
fbem-15360	78	11	the	the	DET
fbem-15360	78	12	greatly	greatly	ADV
fbem-15360	78	13	governed	govern	VERB
fbem-15360	78	14	fintech	fintech	NOUN
fbem-15360	78	15	sector	sector	NOUN
fbem-15360	78	16	.	.	PUNCT
fbem-15360	79	1	for	for	ADP
fbem-15360	79	2	example	example	NOUN
fbem-15360	79	3	,	,	PUNCT
fbem-15360	79	4	europe	europe	PROPN
fbem-15360	79	5	has	have	AUX
fbem-15360	79	6	become	become	VERB
fbem-15360	79	7	the	the	DET
fbem-15360	79	8	first	first	ADJ
fbem-15360	79	9	to	to	PART
fbem-15360	79	10	implement	implement	VERB
fbem-15360	79	11	an	an	DET
fbem-15360	79	12	ai	ai	NOUN
fbem-15360	79	13	-	-	PUNCT
fbem-15360	79	14	based	base	VERB
fbem-15360	79	15	act	act	NOUN
fbem-15360	79	16	regarding	regard	VERB
fbem-15360	79	17	the	the	DET
fbem-15360	79	18	application	application	NOUN
fbem-15360	79	19	of	of	ADP
fbem-15360	79	20	artificialintelligence	artificialintelligence	NOUN
fbem-15360	79	21	driven	drive	VERB
fbem-15360	79	22	solutions	solution	NOUN
fbem-15360	79	23	.	.	PUNCT
fbem-15360	80	1	this	this	DET
fbem-15360	80	2	law	law	NOUN
fbem-15360	80	3	also	also	ADV
fbem-15360	80	4	bans	ban	VERB
fbem-15360	80	5	some	some	DET
fbem-15360	80	6	particular	particular	ADJ
fbem-15360	80	7	practices	practice	NOUN
fbem-15360	80	8	to	to	PART
fbem-15360	80	9	safeguard	safeguard	VERB
fbem-15360	80	10	customers	customer	NOUN
fbem-15360	80	11	’	'	PUNCT
fbem-15360	80	12	rights	right	NOUN
fbem-15360	80	13	whilst	whilst	SCONJ
fbem-15360	80	14	enabling	enable	VERB
fbem-15360	80	15	the	the	DET
fbem-15360	80	16	technology	technology	NOUN
fbem-15360	80	17	to	to	PART
fbem-15360	80	18	grow	grow	VERB
fbem-15360	80	19	further	far	ADV
fbem-15360	80	20	[	[	X
fbem-15360	80	21	8	8	NUM
fbem-15360	80	22	]	]	PUNCT
fbem-15360	80	23	.	.	PUNCT
fbem-15360	81	1	as	as	SCONJ
fbem-15360	81	2	ai	ai	PROPN
fbem-15360	81	3	reaches	reach	VERB
fbem-15360	81	4	a	a	DET
fbem-15360	81	5	critical	critical	ADJ
fbem-15360	81	6	tipping	tipping	NOUN
fbem-15360	81	7	point	point	NOUN
fbem-15360	81	8	,	,	PUNCT
fbem-15360	81	9	the	the	DET
fbem-15360	81	10	use	use	NOUN
fbem-15360	81	11	of	of	ADP
fbem-15360	81	12	ai	ai	ADJ
fbem-15360	81	13	tools	tool	NOUN
fbem-15360	81	14	becomes	become	VERB
fbem-15360	81	15	more	more	ADV
fbem-15360	81	16	challenging	challenging	ADJ
fbem-15360	81	17	ahead	ahead	ADV
fbem-15360	81	18	of	of	ADP
fbem-15360	81	19	the	the	DET
fbem-15360	81	20	dizzying	dizzying	ADJ
fbem-15360	81	21	progress	progress	NOUN
fbem-15360	81	22	of	of	ADP
fbem-15360	81	23	technology	technology	NOUN
fbem-15360	81	24	.	.	PUNCT
fbem-15360	82	1	in	in	ADP
fbem-15360	82	2	a	a	DET
fbem-15360	82	3	current	current	ADJ
fbem-15360	82	4	survey	survey	NOUN
fbem-15360	82	5	,	,	PUNCT
fbem-15360	82	6	about	about	ADV
fbem-15360	82	7	78	78	NUM
fbem-15360	82	8	%	%	NOUN
fbem-15360	82	9	of	of	ADP
fbem-15360	82	10	fintech	fintech	NOUN
fbem-15360	82	11	firms	firm	NOUN
fbem-15360	82	12	stated	state	VERB
fbem-15360	82	13	that	that	SCONJ
fbem-15360	82	14	they	they	PRON
fbem-15360	82	15	consider	consider	VERB
fbem-15360	82	16	the	the	DET
fbem-15360	82	17	application	application	NOUN
fbem-15360	82	18	of	of	ADP
fbem-15360	82	19	at	at	ADV
fbem-15360	82	20	least	least	ADV
fbem-15360	82	21	one	one	NUM
fbem-15360	82	22	ai	ai	VERB
fbem-15360	82	23	tool	tool	NOUN
fbem-15360	82	24	in	in	ADP
fbem-15360	82	25	their	their	PRON
fbem-15360	82	26	systems	system	NOUN
fbem-15360	82	27	in	in	ADP
fbem-15360	82	28	different	different	ADJ
fbem-15360	82	29	scenarios[14	scenarios[14	PROPN
fbem-15360	82	30	]	]	PUNCT
fbem-15360	82	31	.	.	PUNCT
fbem-15360	83	1	however	however	ADV
fbem-15360	83	2	,	,	PUNCT
fbem-15360	83	3	they	they	PRON
fbem-15360	83	4	also	also	ADV
fbem-15360	83	5	mentioned	mention	VERB
fbem-15360	83	6	the	the	DET
fbem-15360	83	7	huge	huge	ADJ
fbem-15360	83	8	scope	scope	NOUN
fbem-15360	83	9	of	of	ADP
fbem-15360	83	10	chatgpt	chatgpt	NOUN
fbem-15360	83	11	’s	’s	PART
fbem-15360	83	12	usage	usage	NOUN
fbem-15360	83	13	in	in	ADP
fbem-15360	83	14	their	their	PRON
fbem-15360	83	15	customer	customer	NOUN
fbem-15360	83	16	chatbot	chatbot	NOUN
fbem-15360	83	17	solution	solution	NOUN
fbem-15360	83	18	.	.	PUNCT
fbem-15360	84	1	the	the	DET
fbem-15360	84	2	resulting	result	VERB
fbem-15360	84	3	factor	factor	NOUN
fbem-15360	84	4	discloses	disclose	VERB
fbem-15360	84	5	the	the	DET
fbem-15360	84	6	challenges	challenge	NOUN
fbem-15360	84	7	and	and	CCONJ
fbem-15360	84	8	opportunities	opportunity	NOUN
fbem-15360	84	9	associated	associate	VERB
fbem-15360	84	10	with	with	ADP
fbem-15360	84	11	using	use	VERB
fbem-15360	84	12	ai	ai	NOUN
fbem-15360	84	13	tools	tool	NOUN
fbem-15360	84	14	in	in	ADP
fbem-15360	84	15	fintech	fintech	NOUN
fbem-15360	84	16	solutions	solution	NOUN
fbem-15360	84	17	.	.	PUNCT
fbem-15360	85	1	nearly	nearly	ADV
fbem-15360	85	2	30	30	NUM
fbem-15360	85	3	per	per	ADP
fbem-15360	85	4	cent	cent	NOUN
fbem-15360	85	5	of	of	ADP
fbem-15360	85	6	the	the	DET
fbem-15360	85	7	surveyed	survey	VERB
fbem-15360	85	8	financial	financial	ADJ
fbem-15360	85	9	technology	technology	NOUN
fbem-15360	85	10	firms	firm	NOUN
fbem-15360	85	11	claimed	claim	VERB
fbem-15360	85	12	to	to	PART
fbem-15360	85	13	have	have	VERB
fbem-15360	85	14	their	their	PRON
fbem-15360	85	15	annual	annual	ADJ
fbem-15360	85	16	revenues	revenue	NOUN
fbem-15360	85	17	augmented	augment	VERB
fbem-15360	85	18	by	by	ADP
fbem-15360	85	19	the	the	DET
fbem-15360	85	20	use	use	NOUN
fbem-15360	85	21	of	of	ADP
fbem-15360	85	22	ai	ai	VERB
fbem-15360	85	23	by	by	ADP
fbem-15360	85	24	over	over	ADP
fbem-15360	85	25	10	10	NUM
fbem-15360	85	26	per	per	ADP
fbem-15360	85	27	cent	cent	NOUN
fbem-15360	85	28	,	,	PUNCT
fbem-15360	85	29	whilst	whilst	SCONJ
fbem-15360	85	30	more	more	ADJ
fbem-15360	85	31	than	than	ADP
fbem-15360	85	32	50	50	NUM
fbem-15360	85	33	per	per	ADP
fbem-15360	85	34	cent	cent	NOUN
fbem-15360	85	35	witnessed	witness	VERB
fbem-15360	85	36	cost	cost	NOUN
fbem-15360	85	37	reduction	reduction	NOUN
fbem-15360	85	38	through	through	ADP
fbem-15360	85	39	ai	ai	PRON
fbem-15360	85	40	implementation	implementation	NOUN
fbem-15360	85	41	[	[	X
fbem-15360	85	42	14	14	NUM
fbem-15360	85	43	]	]	PUNCT
fbem-15360	85	44	.	.	PUNCT
fbem-15360	86	1	thus	thus	ADV
fbem-15360	86	2	,	,	PUNCT
fbem-15360	86	3	it	it	PRON
fbem-15360	86	4	can	can	AUX
fbem-15360	86	5	be	be	AUX
fbem-15360	86	6	stated	state	VERB
fbem-15360	86	7	that	that	SCONJ
fbem-15360	86	8	there	there	PRON
fbem-15360	86	9	are	be	VERB
fbem-15360	86	10	instant	instant	ADJ
fbem-15360	86	11	clear	clear	ADJ
fbem-15360	86	12	benefits	benefit	NOUN
fbem-15360	86	13	to	to	ADP
fbem-15360	86	14	fintech	fintech	NOUN
fbem-15360	86	15	firms	firm	NOUN
fbem-15360	86	16	in	in	ADP
fbem-15360	86	17	specific	specific	ADJ
fbem-15360	86	18	areas	area	NOUN
fbem-15360	86	19	,	,	PUNCT
fbem-15360	86	20	like	like	ADP
fbem-15360	86	21	automating	automate	VERB
fbem-15360	86	22	investment	investment	NOUN
fbem-15360	86	23	,	,	PUNCT
fbem-15360	86	24	automating	automate	VERB
fbem-15360	86	25	customer	customer	NOUN
fbem-15360	86	26	service	service	NOUN
fbem-15360	86	27	-	-	PUNCT
fbem-15360	86	28	related	relate	VERB
fbem-15360	86	29	responsibilities	responsibility	NOUN
fbem-15360	86	30	and	and	CCONJ
fbem-15360	86	31	producing	produce	VERB
fbem-15360	86	32	information	information	NOUN
fbem-15360	86	33	for	for	ADP
fbem-15360	86	34	smart	smart	ADJ
fbem-15360	86	35	banks	bank	NOUN
fbem-15360	86	36	to	to	PART
fbem-15360	86	37	make	make	VERB
fbem-15360	86	38	well	well	ADV
fbem-15360	86	39	-	-	PUNCT
fbem-15360	86	40	informed	inform	VERB
fbem-15360	86	41	decisions	decision	NOUN
fbem-15360	86	42	whilst	whilst	SCONJ
fbem-15360	86	43	assisting	assist	VERB
fbem-15360	86	44	to	to	PART
fbem-15360	86	45	detect	detect	VERB
fbem-15360	86	46	possible	possible	ADJ
fbem-15360	86	47	fraud	fraud	NOUN
fbem-15360	86	48	.	.	PUNCT
fbem-15360	87	1	however	however	ADV
fbem-15360	87	2	,	,	PUNCT
fbem-15360	87	3	mehrban	mehrban	PROPN
fbem-15360	87	4	et	et	PROPN
fbem-15360	87	5	al	al	PROPN
fbem-15360	87	6	.	.	PUNCT
fbem-15360	88	1	[	[	X
fbem-15360	88	2	15	15	NUM
fbem-15360	88	3	]	]	PUNCT
fbem-15360	88	4	.	.	PUNCT
fbem-15360	88	5	argued	argue	VERB
fbem-15360	88	6	that	that	SCONJ
fbem-15360	88	7	in	in	ADP
fbem-15360	88	8	the	the	DET
fbem-15360	88	9	age	age	NOUN
fbem-15360	88	10	of	of	ADP
fbem-15360	88	11	ai	ai	PROPN
fbem-15360	88	12	,	,	PUNCT
fbem-15360	88	13	fintech	fintech	NOUN
fbem-15360	88	14	would	would	AUX
fbem-15360	88	15	critically	critically	ADV
fbem-15360	88	16	face	face	VERB
fbem-15360	88	17	several	several	ADJ
fbem-15360	88	18	challenges	challenge	NOUN
fbem-15360	88	19	regarding	regard	VERB
fbem-15360	88	20	policies	policy	NOUN
fbem-15360	88	21	dealing	deal	VERB
fbem-15360	88	22	with	with	ADP
fbem-15360	88	23	data	datum	NOUN
fbem-15360	88	24	management	management	NOUN
fbem-15360	88	25	and	and	CCONJ
fbem-15360	88	26	privacy	privacy	NOUN
fbem-15360	88	27	of	of	ADP
fbem-15360	88	28	the	the	DET
fbem-15360	88	29	users	user	NOUN
fbem-15360	88	30	,	,	PUNCT
fbem-15360	88	31	laws	law	NOUN
fbem-15360	88	32	of	of	ADP
fbem-15360	88	33	interaction	interaction	NOUN
fbem-15360	88	34	for	for	ADP
fbem-15360	88	35	fintech	fintech	NOUN
fbem-15360	88	36	firms	firm	NOUN
fbem-15360	88	37	,	,	PUNCT
fbem-15360	88	38	and	and	CCONJ
fbem-15360	88	39	categorised	categorise	VERB
fbem-15360	88	40	operation	operation	NOUN
fbem-15360	88	41	of	of	ADP
fbem-15360	88	42	virtual	virtual	ADJ
fbem-15360	88	43	currency	currency	NOUN
fbem-15360	88	44	.	.	PUNCT
fbem-15360	89	1	this	this	DET
fbem-15360	89	2	challenge	challenge	NOUN
fbem-15360	89	3	needs	need	VERB
fbem-15360	89	4	to	to	PART
fbem-15360	89	5	be	be	AUX
fbem-15360	89	6	managed	manage	VERB
fbem-15360	89	7	by	by	ADP
fbem-15360	89	8	forming	form	VERB
fbem-15360	89	9	global	global	ADJ
fbem-15360	89	10	-	-	PUNCT
fbem-15360	89	11	level	level	NOUN
fbem-15360	89	12	productive	productive	ADJ
fbem-15360	89	13	techno	techno	NOUN
fbem-15360	89	14	-	-	PUNCT
fbem-15360	89	15	financial	financial	ADJ
fbem-15360	89	16	policies	policy	NOUN
fbem-15360	89	17	and	and	CCONJ
fbem-15360	89	18	frameworks	framework	NOUN
fbem-15360	89	19	.	.	PUNCT
fbem-15360	90	1	8	8	X
fbem-15360	90	2	.	.	X
fbem-15360	90	3	conclusion	conclusion	NOUN
fbem-15360	90	4	according	accord	VERB
fbem-15360	90	5	to	to	ADP
fbem-15360	90	6	the	the	DET
fbem-15360	90	7	world	world	NOUN
fbem-15360	90	8	bank	bank	PROPN
fbem-15360	91	1	[	[	X
fbem-15360	91	2	16	16	NUM
fbem-15360	91	3	]	]	PUNCT
fbem-15360	91	4	,	,	PUNCT
fbem-15360	91	5	authorities	authority	NOUN
fbem-15360	91	6	have	have	AUX
fbem-15360	91	7	collaborated	collaborate	VERB
fbem-15360	91	8	globally	globally	ADV
fbem-15360	91	9	to	to	PART
fbem-15360	91	10	share	share	VERB
fbem-15360	91	11	their	their	PRON
fbem-15360	91	12	expertise	expertise	NOUN
fbem-15360	91	13	and	and	CCONJ
fbem-15360	91	14	knowledge	knowledge	NOUN
fbem-15360	91	15	on	on	ADP
fbem-15360	91	16	experience	experience	NOUN
fbem-15360	91	17	with	with	ADP
fbem-15360	91	18	ai	ai	ADJ
fbem-15360	91	19	solutions	solution	NOUN
fbem-15360	91	20	in	in	ADP
fbem-15360	91	21	different	different	ADJ
fbem-15360	91	22	fintech	fintech	NOUN
fbem-15360	91	23	scenarios	scenario	NOUN
fbem-15360	91	24	and	and	CCONJ
fbem-15360	91	25	related	related	ADJ
fbem-15360	91	26	developments	development	NOUN
fbem-15360	91	27	and	and	CCONJ
fbem-15360	91	28	challenges	challenge	NOUN
fbem-15360	91	29	.	.	PUNCT
fbem-15360	92	1	it	it	PRON
fbem-15360	92	2	is	be	AUX
fbem-15360	92	3	more	more	ADV
fbem-15360	92	4	vital	vital	ADJ
fbem-15360	92	5	provided	provide	VERB
fbem-15360	92	6	the	the	DET
fbem-15360	92	7	cross	cross	ADJ
fbem-15360	92	8	-	-	ADJ
fbem-15360	92	9	border	border	ADJ
fbem-15360	92	10	streaming	streaming	NOUN
fbem-15360	92	11	of	of	ADP
fbem-15360	92	12	data	datum	NOUN
fbem-15360	92	13	authority	authority	NOUN
fbem-15360	92	14	and	and	CCONJ
fbem-15360	92	15	anti	anti	ADJ
fbem-15360	92	16	-	-	ADJ
fbem-15360	92	17	trust	trust	ADJ
fbem-15360	92	18	decisions	decision	NOUN
fbem-15360	92	19	and	and	CCONJ
fbem-15360	92	20	the	the	DET
fbem-15360	92	21	prospective	prospective	ADJ
fbem-15360	92	22	to	to	PART
fbem-15360	92	23	improve	improve	VERB
fbem-15360	92	24	the	the	DET
fbem-15360	92	25	productivity	productivity	NOUN
fbem-15360	92	26	of	of	ADP
fbem-15360	92	27	the	the	DET
fbem-15360	92	28	service	service	NOUN
fbem-15360	92	29	through	through	ADP
fbem-15360	92	30	standards	standard	NOUN
fbem-15360	92	31	’	'	PUNCT
fbem-15360	92	32	harmonisation	harmonisation	NOUN
fbem-15360	92	33	in	in	ADP
fbem-15360	92	34	areas	area	NOUN
fbem-15360	92	35	like	like	ADP
fbem-15360	92	36	data	data	NOUN
fbem-15360	92	37	safety	safety	NOUN
fbem-15360	92	38	,	,	PUNCT
fbem-15360	92	39	interoperability	interoperability	NOUN
fbem-15360	92	40	,	,	PUNCT
fbem-15360	92	41	and	and	CCONJ
fbem-15360	92	42	deterrence	deterrence	NOUN
fbem-15360	92	43	of	of	ADP
fbem-15360	92	44	cybercrime	cybercrime	NOUN
fbem-15360	92	45	.	.	PUNCT
fbem-15360	93	1	conclusively	conclusively	ADV
fbem-15360	93	2	,	,	PUNCT
fbem-15360	93	3	it	it	PRON
fbem-15360	93	4	is	be	AUX
fbem-15360	93	5	delineated	delineated	ADJ
fbem-15360	93	6	that	that	SCONJ
fbem-15360	93	7	use	use	NOUN
fbem-15360	93	8	of	of	ADP
fbem-15360	93	9	ai	ai	ADJ
fbem-15360	93	10	tools	tool	NOUN
fbem-15360	93	11	like	like	ADP
fbem-15360	93	12	robo	robo	NOUN
fbem-15360	93	13	-	-	PUNCT
fbem-15360	93	14	science	science	NOUN
fbem-15360	93	15	for	for	ADP
fbem-15360	93	16	investment	investment	NOUN
fbem-15360	93	17	automation	automation	NOUN
fbem-15360	93	18	chatgpt	chatgpt	NOUN
fbem-15360	93	19	for	for	ADP
fbem-15360	93	20	chatbots	chatbot	NOUN
fbem-15360	93	21	in	in	ADP
fbem-15360	93	22	smart	smart	ADJ
fbem-15360	93	23	banking	banking	NOUN
fbem-15360	93	24	comes	come	VERB
fbem-15360	93	25	with	with	ADP
fbem-15360	93	26	challenges	challenge	NOUN
fbem-15360	93	27	and	and	CCONJ
fbem-15360	93	28	opportunities	opportunity	NOUN
fbem-15360	93	29	in	in	ADP
fbem-15360	93	30	the	the	DET
fbem-15360	93	31	fintech	fintech	NOUN
fbem-15360	93	32	sector	sector	NOUN
fbem-15360	93	33	.	.	PUNCT
fbem-15360	94	1	as	as	ADP
fbem-15360	94	2	with	with	ADP
fbem-15360	94	3	the	the	DET
fbem-15360	94	4	advent	advent	NOUN
fbem-15360	94	5	of	of	ADP
fbem-15360	94	6	new	new	ADJ
fbem-15360	94	7	technology	technology	NOUN
fbem-15360	94	8	,	,	PUNCT
fbem-15360	94	9	some	some	DET
fbem-15360	94	10	key	key	ADJ
fbem-15360	94	11	challenges	challenge	NOUN
fbem-15360	94	12	like	like	ADP
fbem-15360	94	13	data	datum	NOUN
fbem-15360	94	14	privacy	privacy	NOUN
fbem-15360	94	15	and	and	CCONJ
fbem-15360	94	16	regulatory	regulatory	ADJ
fbem-15360	94	17	challenges	challenge	NOUN
fbem-15360	94	18	exist	exist	VERB
fbem-15360	94	19	.	.	PUNCT
fbem-15360	95	1	however	however	ADV
fbem-15360	95	2	,	,	PUNCT
fbem-15360	95	3	ai	ai	VERB
fbem-15360	95	4	provides	provide	VERB
fbem-15360	95	5	a	a	DET
fbem-15360	95	6	number	number	NOUN
fbem-15360	95	7	15	15	NUM
fbem-15360	95	8	of	of	ADP
fbem-15360	95	9	probabilities	probability	NOUN
fbem-15360	95	10	to	to	PART
fbem-15360	95	11	revolutionise	revolutionise	VERB
fbem-15360	95	12	the	the	DET
fbem-15360	95	13	way	way	NOUN
fbem-15360	95	14	fintech	fintech	NOUN
fbem-15360	95	15	services	service	NOUN
fbem-15360	95	16	are	be	AUX
fbem-15360	95	17	performed	perform	VERB
fbem-15360	95	18	.	.	PUNCT
fbem-15360	96	1	the	the	DET
fbem-15360	96	2	role	role	NOUN
fbem-15360	96	3	of	of	ADP
fbem-15360	96	4	fintech	fintech	NOUN
fbem-15360	96	5	firms	firm	NOUN
fbem-15360	96	6	in	in	ADP
fbem-15360	96	7	decision	decision	NOUN
fbem-15360	96	8	-	-	PUNCT
fbem-15360	96	9	making	make	VERB
fbem-15360	96	10	practices	practice	NOUN
fbem-15360	96	11	informed	inform	VERB
fbem-15360	96	12	by	by	ADP
fbem-15360	96	13	artificial	artificial	ADJ
fbem-15360	96	14	intelligence	intelligence	NOUN
fbem-15360	96	15	is	be	AUX
fbem-15360	96	16	crucial	crucial	ADJ
fbem-15360	96	17	in	in	ADP
fbem-15360	96	18	identifying	identify	VERB
fbem-15360	96	19	and	and	CCONJ
fbem-15360	96	20	managing	manage	VERB
fbem-15360	96	21	biases	bias	NOUN
fbem-15360	96	22	formed	form	VERB
fbem-15360	96	23	into	into	ADP
fbem-15360	96	24	the	the	DET
fbem-15360	96	25	data	datum	NOUN
fbem-15360	96	26	.	.	PUNCT
fbem-15360	97	1	the	the	DET
fbem-15360	97	2	fintech	fintech	NOUN
fbem-15360	97	3	firms	firm	NOUN
fbem-15360	97	4	needs	need	VERB
fbem-15360	97	5	to	to	PART
fbem-15360	97	6	ensure	ensure	VERB
fbem-15360	97	7	the	the	DET
fbem-15360	97	8	implementation	implementation	NOUN
fbem-15360	97	9	of	of	ADP
fbem-15360	97	10	right	right	ADJ
fbem-15360	97	11	processes	process	NOUN
fbem-15360	97	12	to	to	PART
fbem-15360	97	13	investigate	investigate	VERB
fbem-15360	97	14	the	the	DET
fbem-15360	97	15	ai	ai	ADJ
fbem-15360	97	16	tools	tool	NOUN
fbem-15360	97	17	’	'	PUNCT
fbem-15360	97	18	application	application	NOUN
fbem-15360	97	19	and	and	CCONJ
fbem-15360	97	20	their	their	PRON
fbem-15360	97	21	alignment	alignment	NOUN
fbem-15360	97	22	to	to	PART
fbem-15360	97	23	help	help	VERB
fbem-15360	97	24	customers	customer	NOUN
fbem-15360	97	25	with	with	ADP
fbem-15360	97	26	automated	automate	VERB
fbem-15360	97	27	investment	investment	NOUN
fbem-15360	97	28	.	.	PUNCT
fbem-15360	98	1	references	reference	NOUN
fbem-15360	98	2	[	[	X
fbem-15360	98	3	1	1	NUM
fbem-15360	98	4	]	]	PUNCT
fbem-15360	98	5	grant	grant	NOUN
fbem-15360	98	6	,	,	PUNCT
fbem-15360	98	7	n.	n.	NOUN
fbem-15360	98	8	,	,	PUNCT
fbem-15360	98	9	&	&	CCONJ
fbem-15360	98	10	metz	metz	PROPN
fbem-15360	98	11	,	,	PUNCT
fbem-15360	98	12	c.	c.	PROPN
fbem-15360	98	13	(	(	PUNCT
fbem-15360	98	14	2022	2022	NUM
fbem-15360	98	15	)	)	PUNCT
fbem-15360	98	16	.	.	PUNCT
fbem-15360	99	1	a	a	DET
fbem-15360	99	2	new	new	ADJ
fbem-15360	99	3	chat	chat	NOUN
fbem-15360	99	4	bot	bot	NOUN
fbem-15360	99	5	is	be	AUX
fbem-15360	99	6	a	a	DET
fbem-15360	99	7	‘	'	PUNCT
fbem-15360	99	8	code	code	NOUN
fbem-15360	99	9	red’for	red’for	NOUN
fbem-15360	99	10	google	google	PROPN
fbem-15360	99	11	’s	’s	PART
fbem-15360	99	12	search	search	NOUN
fbem-15360	99	13	business	business	NOUN
fbem-15360	99	14	.	.	PUNCT
fbem-15360	100	1	new	new	PROPN
fbem-15360	100	2	york	york	PROPN
fbem-15360	100	3	times	times	PROPN
fbem-15360	100	4	.	.	PUNCT
fbem-15360	101	1	[	[	X
fbem-15360	101	2	2	2	NUM
fbem-15360	101	3	]	]	X
fbem-15360	101	4	floridi	floridi	ADJ
fbem-15360	101	5	,	,	PUNCT
fbem-15360	101	6	l.	l.	PROPN
fbem-15360	101	7	,	,	PUNCT
fbem-15360	101	8	cowls	cowl	NOUN
fbem-15360	101	9	,	,	PUNCT
fbem-15360	101	10	j.	j.	PROPN
fbem-15360	101	11	,	,	PUNCT
fbem-15360	101	12	beltrametti	beltrametti	PROPN
fbem-15360	101	13	,	,	PUNCT
fbem-15360	101	14	m.	m.	NOUN
fbem-15360	101	15	,	,	PUNCT
fbem-15360	101	16	chatila	chatila	PROPN
fbem-15360	101	17	,	,	PUNCT
fbem-15360	101	18	r.	r.	PROPN
fbem-15360	101	19	,	,	PUNCT
fbem-15360	101	20	chazerand	chazerand	VERB
fbem-15360	101	21	,	,	PUNCT
fbem-15360	101	22	p.	p.	NOUN
fbem-15360	101	23	,	,	PUNCT
fbem-15360	101	24	dignum	dignum	NOUN
fbem-15360	101	25	,	,	PUNCT
fbem-15360	101	26	v.	v.	PROPN
fbem-15360	101	27	,	,	PUNCT
fbem-15360	101	28	&	&	CCONJ
fbem-15360	101	29	schafer	schafer	PROPN
fbem-15360	101	30	,	,	PUNCT
fbem-15360	101	31	b.	b.	PROPN
fbem-15360	101	32	(	(	PUNCT
fbem-15360	101	33	2018	2018	NUM
fbem-15360	101	34	)	)	PUNCT
fbem-15360	101	35	.	.	PUNCT
fbem-15360	102	1	ai4people	ai4people	ADJ
fbem-15360	102	2	—	—	PUNCT
fbem-15360	102	3	an	an	DET
fbem-15360	102	4	ethical	ethical	ADJ
fbem-15360	102	5	framework	framework	NOUN
fbem-15360	102	6	for	for	ADP
fbem-15360	102	7	a	a	DET
fbem-15360	102	8	good	good	ADJ
fbem-15360	102	9	ai	ai	INTJ
fbem-15360	102	10	society	society	NOUN
fbem-15360	102	11	:	:	PUNCT
fbem-15360	102	12	opportunities	opportunity	NOUN
fbem-15360	102	13	,	,	PUNCT
fbem-15360	102	14	risks	risk	NOUN
fbem-15360	102	15	,	,	PUNCT
fbem-15360	102	16	principles	principle	NOUN
fbem-15360	102	17	,	,	PUNCT
fbem-15360	102	18	and	and	CCONJ
fbem-15360	102	19	recommendations	recommendation	NOUN
fbem-15360	102	20	.	.	PUNCT
fbem-15360	103	1	minds	mind	NOUN
fbem-15360	103	2	and	and	CCONJ
fbem-15360	103	3	machines	machine	NOUN
fbem-15360	103	4	,	,	PUNCT
fbem-15360	103	5	28(4	28(4	NUM
fbem-15360	103	6	)	)	PUNCT
fbem-15360	103	7	,	,	PUNCT
fbem-15360	103	8	689	689	NUM
fbem-15360	103	9	-	-	SYM
fbem-15360	103	10	707	707	NUM
fbem-15360	103	11	.	.	PUNCT
fbem-15360	104	1	[	[	X
fbem-15360	104	2	3	3	NUM
fbem-15360	104	3	]	]	X
fbem-15360	104	4	christensen	christensen	PROPN
fbem-15360	104	5	,	,	PUNCT
fbem-15360	104	6	c.	c.	PROPN
fbem-15360	104	7	m.	m.	NOUN
fbem-15360	104	8	(	(	PUNCT
fbem-15360	104	9	1997	1997	NUM
fbem-15360	104	10	)	)	PUNCT
fbem-15360	104	11	.	.	PUNCT
fbem-15360	105	1	the	the	DET
fbem-15360	105	2	innovator	innovator	NOUN
fbem-15360	105	3	's	's	PART
fbem-15360	105	4	dilemma	dilemma	NOUN
fbem-15360	105	5	:	:	PUNCT
fbem-15360	105	6	when	when	SCONJ
fbem-15360	105	7	new	new	ADJ
fbem-15360	105	8	technologies	technology	NOUN
fbem-15360	105	9	cause	cause	VERB
fbem-15360	105	10	great	great	ADJ
fbem-15360	105	11	firms	firm	NOUN
fbem-15360	105	12	to	to	PART
fbem-15360	105	13	fail	fail	VERB
fbem-15360	105	14	.	.	PUNCT
fbem-15360	106	1	harvard	harvard	PROPN
fbem-15360	106	2	business	business	PROPN
fbem-15360	106	3	review	review	PROPN
fbem-15360	106	4	press	press	PROPN
fbem-15360	106	5	,	,	PUNCT
fbem-15360	106	6	cambridge	cambridge	PROPN
fbem-15360	106	7	,	,	PUNCT
fbem-15360	106	8	ma	ma	PROPN
fbem-15360	106	9	.	.	PUNCT
fbem-15360	107	1	[	[	X
fbem-15360	107	2	4	4	NUM
fbem-15360	107	3	]	]	X
fbem-15360	107	4	frost	frost	NOUN
fbem-15360	107	5	,	,	PUNCT
fbem-15360	107	6	j.	j.	PROPN
fbem-15360	107	7	,	,	PUNCT
fbem-15360	107	8	gambacorta	gambacorta	PROPN
fbem-15360	107	9	,	,	PUNCT
fbem-15360	107	10	l.	l.	PROPN
fbem-15360	107	11	,	,	PUNCT
fbem-15360	107	12	huang	huang	PROPN
fbem-15360	107	13	,	,	PUNCT
fbem-15360	107	14	y.	y.	PROPN
fbem-15360	107	15	,	,	PUNCT
fbem-15360	107	16	shin	shin	PROPN
fbem-15360	107	17	,	,	PUNCT
fbem-15360	107	18	h.	h.	PROPN
fbem-15360	107	19	s.	s.	PROPN
fbem-15360	107	20	,	,	PUNCT
fbem-15360	107	21	&	&	CCONJ
fbem-15360	107	22	zbinden	zbinden	PROPN
fbem-15360	107	23	,	,	PUNCT
fbem-15360	107	24	p.	p.	NOUN
fbem-15360	107	25	(	(	PUNCT
fbem-15360	107	26	2019	2019	NUM
fbem-15360	107	27	)	)	PUNCT
fbem-15360	107	28	.	.	PUNCT
fbem-15360	108	1	bigtech	bigtech	PROPN
fbem-15360	108	2	and	and	CCONJ
fbem-15360	108	3	the	the	DET
fbem-15360	108	4	changing	change	VERB
fbem-15360	108	5	structure	structure	NOUN
fbem-15360	108	6	of	of	ADP
fbem-15360	108	7	financial	financial	ADJ
fbem-15360	108	8	intermediation	intermediation	NOUN
fbem-15360	108	9	.	.	PUNCT
fbem-15360	109	1	economic	economic	ADJ
fbem-15360	109	2	policy	policy	NOUN
fbem-15360	109	3	,	,	PUNCT
fbem-15360	109	4	34(100	34(100	NOUN
fbem-15360	109	5	)	)	PUNCT
fbem-15360	109	6	,	,	PUNCT
fbem-15360	109	7	761	761	NUM
fbem-15360	109	8	-	-	SYM
fbem-15360	109	9	99	99	NUM
fbem-15360	109	10	.	.	PUNCT
fbem-15360	110	1	[	[	X
fbem-15360	110	2	5	5	NUM
fbem-15360	110	3	]	]	PUNCT
fbem-15360	110	4	financial	financial	ADJ
fbem-15360	110	5	stability	stability	NOUN
fbem-15360	110	6	board	board	PROPN
fbem-15360	110	7	.	.	PUNCT
fbem-15360	111	1	(	(	PUNCT
fbem-15360	111	2	2017	2017	NUM
fbem-15360	111	3	)	)	PUNCT
fbem-15360	111	4	.	.	PUNCT
fbem-15360	112	1	artificial	artificial	ADJ
fbem-15360	112	2	intelligence	intelligence	NOUN
fbem-15360	112	3	and	and	CCONJ
fbem-15360	112	4	machine	machine	NOUN
fbem-15360	112	5	learning	learning	NOUN
fbem-15360	112	6	in	in	ADP
fbem-15360	112	7	financial	financial	ADJ
fbem-15360	112	8	services	service	NOUN
fbem-15360	112	9	:	:	PUNCT
fbem-15360	112	10	market	market	NOUN
fbem-15360	112	11	developments	development	NOUN
fbem-15360	112	12	and	and	CCONJ
fbem-15360	112	13	financial	financial	ADJ
fbem-15360	112	14	stability	stability	NOUN
fbem-15360	112	15	implications	implication	NOUN
fbem-15360	112	16	.	.	PUNCT
fbem-15360	113	1	https://www.fsb.org/wpcontent/uploads/p011117.pdf	https://www.fsb.org/wpcontent/uploads/p011117.pdf	NOUN
fbem-15360	113	2	.	.	PUNCT
fbem-15360	114	1	[	[	X
fbem-15360	114	2	6	6	NUM
fbem-15360	114	3	]	]	PUNCT
fbem-15360	114	4	bhat	bhat	PROPN
fbem-15360	114	5	,	,	PUNCT
fbem-15360	114	6	j.	j.	PROPN
fbem-15360	114	7	r.	r.	PROPN
fbem-15360	114	8	,	,	PUNCT
fbem-15360	114	9	alqahtani	alqahtani	PROPN
fbem-15360	114	10	,	,	PUNCT
fbem-15360	114	11	s.	s.	PROPN
fbem-15360	114	12	a.	a.	PROPN
fbem-15360	114	13	,	,	PUNCT
fbem-15360	114	14	&	&	CCONJ
fbem-15360	114	15	nekovee	nekovee	PROPN
fbem-15360	114	16	,	,	PUNCT
fbem-15360	114	17	m.	m.	NOUN
fbem-15360	114	18	(	(	PUNCT
fbem-15360	114	19	2023	2023	NUM
fbem-15360	114	20	)	)	PUNCT
fbem-15360	114	21	.	.	PUNCT
fbem-15360	115	1	fintech	fintech	NOUN
fbem-15360	115	2	enablers	enabler	NOUN
fbem-15360	115	3	,	,	PUNCT
fbem-15360	115	4	use	use	VERB
fbem-15360	115	5	cases	case	NOUN
fbem-15360	115	6	,	,	PUNCT
fbem-15360	115	7	and	and	CCONJ
fbem-15360	115	8	role	role	NOUN
fbem-15360	115	9	of	of	ADP
fbem-15360	115	10	future	future	ADJ
fbem-15360	115	11	internet	internet	NOUN
fbem-15360	115	12	of	of	ADP
fbem-15360	115	13	things	thing	NOUN
fbem-15360	115	14	.	.	PUNCT
fbem-15360	116	1	journal	journal	PROPN
fbem-15360	116	2	of	of	ADP
fbem-15360	116	3	king	king	PROPN
fbem-15360	116	4	saud	saud	PROPN
fbem-15360	116	5	universitycomputer	universitycomputer	PROPN
fbem-15360	116	6	and	and	CCONJ
fbem-15360	116	7	information	information	NOUN
fbem-15360	116	8	sciences	science	NOUN
fbem-15360	116	9	,	,	PUNCT
fbem-15360	116	10	35(1	35(1	NUM
fbem-15360	116	11	)	)	PUNCT
fbem-15360	116	12	,	,	PUNCT
fbem-15360	116	13	87	87	NUM
fbem-15360	116	14	-	-	SYM
fbem-15360	116	15	101	101	NUM
fbem-15360	116	16	.	.	PUNCT
fbem-15360	117	1	[	[	X
fbem-15360	117	2	7	7	NUM
fbem-15360	117	3	]	]	PUNCT
fbem-15360	117	4	butler	butler	NOUN
fbem-15360	117	5	,	,	PUNCT
fbem-15360	117	6	t.	t.	PROPN
fbem-15360	117	7	(	(	PUNCT
fbem-15360	117	8	2020	2020	NUM
fbem-15360	117	9	)	)	PUNCT
fbem-15360	117	10	.	.	PUNCT
fbem-15360	118	1	what	what	PRON
fbem-15360	118	2	’s	’	VERB
fbem-15360	118	3	next	next	ADV
fbem-15360	118	4	in	in	ADP
fbem-15360	118	5	the	the	DET
fbem-15360	118	6	digital	digital	ADJ
fbem-15360	118	7	transformation	transformation	NOUN
fbem-15360	118	8	of	of	ADP
fbem-15360	118	9	financial	financial	ADJ
fbem-15360	118	10	industry	industry	NOUN
fbem-15360	118	11	?	?	PUNCT
fbem-15360	119	1	it	it	PRON
fbem-15360	119	2	professional	professional	ADJ
fbem-15360	119	3	,	,	PUNCT
fbem-15360	119	4	29	29	NUM
fbem-15360	119	5	-	-	SYM
fbem-15360	119	6	33	33	NUM
fbem-15360	119	7	.	.	PUNCT
fbem-15360	120	1	[	[	X
fbem-15360	120	2	8	8	NUM
fbem-15360	120	3	]	]	PUNCT
fbem-15360	120	4	margaroli	margaroli	NOUN
fbem-15360	120	5	,	,	PUNCT
fbem-15360	120	6	i.	i.	PROPN
fbem-15360	120	7	c.	c.	PROPN
fbem-15360	120	8	(	(	PUNCT
fbem-15360	120	9	2022	2022	NUM
fbem-15360	120	10	)	)	PUNCT
fbem-15360	120	11	.	.	PUNCT
fbem-15360	121	1	ai	ai	AUX
fbem-15360	121	2	fintech	fintech	NOUN
fbem-15360	121	3	integration	integration	NOUN
fbem-15360	121	4	needs	need	VERB
fbem-15360	121	5	to	to	PART
fbem-15360	121	6	push	push	VERB
fbem-15360	121	7	through	through	ADP
fbem-15360	121	8	restrictions	restriction	NOUN
fbem-15360	121	9	.	.	PUNCT
fbem-15360	122	1	fintech	fintech	NOUN
fbem-15360	122	2	nexus	nexus	NOUN
fbem-15360	122	3	.	.	PUNCT
fbem-15360	123	1	https://www.fintechnexus.com/ai-fintech-integration-needsto-push-through-restrictions/	https://www.fintechnexus.com/ai-fintech-integration-needsto-push-through-restrictions/	NOUN
fbem-15360	124	1	[	[	X
fbem-15360	124	2	9	9	NUM
fbem-15360	124	3	]	]	PUNCT
fbem-15360	124	4	revolut	revolut	PROPN
fbem-15360	124	5	bank	bank	PROPN
fbem-15360	124	6	uab	uab	PROPN
fbem-15360	124	7	.	.	PUNCT
fbem-15360	125	1	(	(	PUNCT
fbem-15360	125	2	2023	2023	NUM
fbem-15360	125	3	)	)	PUNCT
fbem-15360	125	4	.	.	PUNCT
fbem-15360	126	1	revolut	revolut	PROPN
fbem-15360	126	2	launches	launch	VERB
fbem-15360	126	3	automated	automate	VERB
fbem-15360	126	4	investing	investing	NOUN
fbem-15360	126	5	in	in	ADP
fbem-15360	126	6	the	the	DET
fbem-15360	126	7	us	us	PROPN
fbem-15360	126	8	.	.	PUNCT
fbem-15360	127	1	https://www.revolut.com/enlt/news/revolut_launches_automated_investing_in_the_us/.	https://www.revolut.com/enlt/news/revolut_launches_automated_investing_in_the_us/.	PROPN
fbem-15360	128	1	[	[	X
fbem-15360	128	2	10	10	NUM
fbem-15360	128	3	]	]	X
fbem-15360	128	4	adams	adams	PROPN
fbem-15360	128	5	,	,	PUNCT
fbem-15360	128	6	j.	j.	PROPN
fbem-15360	128	7	(	(	PUNCT
fbem-15360	128	8	2022	2022	NUM
fbem-15360	128	9	)	)	PUNCT
fbem-15360	128	10	.	.	PUNCT
fbem-15360	129	1	revolut	revolut	PROPN
fbem-15360	129	2	expands	expand	VERB
fbem-15360	129	3	payments	payment	NOUN
fbem-15360	129	4	tech	tech	NOUN
fbem-15360	129	5	even	even	ADV
fbem-15360	129	6	as	as	SCONJ
fbem-15360	129	7	it	it	PRON
fbem-15360	129	8	faces	face	VERB
fbem-15360	129	9	regulatory	regulatory	ADJ
fbem-15360	129	10	heat	heat	NOUN
fbem-15360	129	11	.	.	PUNCT
fbem-15360	130	1	american	american	ADJ
fbem-15360	130	2	banker	banker	NOUN
fbem-15360	130	3	.	.	PUNCT
fbem-15360	131	1	https://www.americanbanker.com/payments/news/revolutexpands-payments-tech-as-it-faces-regulatory-heat/.	https://www.americanbanker.com/payments/news/revolutexpands-payments-tech-as-it-faces-regulatory-heat/.	NOUN
fbem-15360	132	1	[	[	X
fbem-15360	132	2	11	11	NUM
fbem-15360	132	3	]	]	PUNCT
fbem-15360	132	4	fintech	fintech	NOUN
fbem-15360	132	5	finance	finance	NOUN
fbem-15360	132	6	news	news	NOUN
fbem-15360	132	7	.	.	PUNCT
fbem-15360	133	1	(	(	PUNCT
fbem-15360	133	2	2023	2023	NUM
fbem-15360	133	3	)	)	PUNCT
fbem-15360	133	4	.	.	PUNCT
fbem-15360	134	1	revolut	revolut	PROPN
fbem-15360	134	2	launches	launch	VERB
fbem-15360	134	3	robo	robo	NOUN
fbem-15360	134	4	advisor	advisor	NOUN
fbem-15360	134	5	in	in	ADP
fbem-15360	134	6	the	the	DET
fbem-15360	134	7	us	us	PROPN
fbem-15360	134	8	,	,	PUNCT
fbem-15360	134	9	to	to	PART
fbem-15360	134	10	automate	automate	VERB
fbem-15360	134	11	investment	investment	NOUN
fbem-15360	134	12	portfolios	portfolio	NOUN
fbem-15360	134	13	.	.	PUNCT
fbem-15360	135	1	https://ffnews.com/newsarticle/fintech/revolut-launches-roboadvisor-in-the-us-to-automate-investment-portfolios/.	https://ffnews.com/newsarticle/fintech/revolut-launches-roboadvisor-in-the-us-to-automate-investment-portfolios/.	NOUN
fbem-15360	136	1	[	[	X
fbem-15360	136	2	12	12	NUM
fbem-15360	136	3	]	]	X
fbem-15360	136	4	arslanian	arslanian	PROPN
fbem-15360	136	5	,	,	PUNCT
fbem-15360	136	6	h.	h.	PROPN
fbem-15360	136	7	,	,	PUNCT
fbem-15360	136	8	&	&	CCONJ
fbem-15360	136	9	fischer	fischer	PROPN
fbem-15360	136	10	,	,	PUNCT
fbem-15360	136	11	f.	f.	PROPN
fbem-15360	136	12	(	(	PUNCT
fbem-15360	136	13	2019	2019	NUM
fbem-15360	136	14	)	)	PUNCT
fbem-15360	136	15	.	.	PUNCT
fbem-15360	137	1	fintech	fintech	NOUN
fbem-15360	137	2	and	and	CCONJ
fbem-15360	137	3	the	the	DET
fbem-15360	137	4	future	future	NOUN
fbem-15360	137	5	of	of	ADP
fbem-15360	137	6	the	the	DET
fbem-15360	137	7	financial	financial	ADJ
fbem-15360	137	8	ecosystem	ecosystem	NOUN
fbem-15360	137	9	.	.	PUNCT
fbem-15360	138	1	future	future	ADJ
fbem-15360	138	2	finance	finance	NOUN
fbem-15360	138	3	,	,	PUNCT
fbem-15360	138	4	201	201	NUM
fbem-15360	138	5	-	-	SYM
fbem-15360	138	6	214	214	NUM
fbem-15360	138	7	.	.	PUNCT
fbem-15360	139	1	[	[	X
fbem-15360	139	2	13	13	NUM
fbem-15360	139	3	]	]	SYM
fbem-15360	139	4	rangoli	rangoli	NOUN
fbem-15360	139	5	.	.	PUNCT
fbem-15360	140	1	(	(	PUNCT
fbem-15360	140	2	2023	2023	NUM
fbem-15360	140	3	)	)	PUNCT
fbem-15360	140	4	.	.	PUNCT
fbem-15360	141	1	how	how	SCONJ
fbem-15360	141	2	open	open	ADJ
fbem-15360	141	3	ai	ai	VERB
fbem-15360	141	4	’s	’s	PART
fbem-15360	141	5	chatgpt	chatgpt	NOUN
fbem-15360	141	6	is	be	AUX
fbem-15360	141	7	revolutionalising	revolutionalise	VERB
fbem-15360	141	8	fintech	fintech	NOUN
fbem-15360	141	9	industry	industry	NOUN
fbem-15360	141	10	?	?	PUNCT
fbem-15360	142	1	analytics	analytic	NOUN
fbem-15360	142	2	insight	insight	NOUN
fbem-15360	142	3	.	.	PUNCT
fbem-15360	143	1	https://www.analyticsinsight.net/how-openais-chatgpt-isrevolutionizing-fintech-industry/	https://www.analyticsinsight.net/how-openais-chatgpt-isrevolutionizing-fintech-industry/	VERB
fbem-15360	144	1	[	[	X
fbem-15360	144	2	14	14	NUM
fbem-15360	144	3	]	]	SYM
fbem-15360	144	4	mondato	mondato	NOUN
fbem-15360	144	5	.	.	PUNCT
fbem-15360	145	1	(	(	PUNCT
fbem-15360	145	2	2023	2023	NUM
fbem-15360	145	3	)	)	PUNCT
fbem-15360	145	4	.	.	PUNCT
fbem-15360	146	1	chatgpt	chatgpt	NOUN
fbem-15360	146	2	:	:	PUNCT
fbem-15360	146	3	challenges	challenge	NOUN
fbem-15360	146	4	and	and	CCONJ
fbem-15360	146	5	opportunities	opportunity	NOUN
fbem-15360	146	6	for	for	ADP
fbem-15360	146	7	financial	financial	ADJ
fbem-15360	146	8	services	service	NOUN
fbem-15360	146	9	.	.	PUNCT
fbem-15360	147	1	the	the	DET
fbem-15360	147	2	east	east	PROPN
fbem-15360	147	3	african	african	PROPN
fbem-15360	147	4	.	.	PUNCT
fbem-15360	148	1	https://www.theeastafrican.co.ke/tea/business/ai-in-businessthe-opportunities-and-challenges-4102254	https://www.theeastafrican.co.ke/tea/business/ai-in-businessthe-opportunities-and-challenges-4102254	PROPN
fbem-15360	148	2	.	.	PUNCT
fbem-15360	149	1	[	[	X
fbem-15360	149	2	15	15	NUM
fbem-15360	149	3	]	]	X
fbem-15360	149	4	mehrban	mehrban	PROPN
fbem-15360	149	5	,	,	PUNCT
fbem-15360	149	6	m.w	m.w	PROPN
fbem-15360	149	7	.	.	PROPN
fbem-15360	149	8	,	,	PUNCT
fbem-15360	149	9	nadeem	nadeem	PROPN
fbem-15360	149	10	,	,	PUNCT
fbem-15360	149	11	m.	m.	NOUN
fbem-15360	149	12	,	,	PUNCT
fbem-15360	149	13	hussain	hussain	PROPN
fbem-15360	149	14	,	,	PUNCT
fbem-15360	149	15	m.m	m.m	PROPN
fbem-15360	149	16	.	.	PROPN
fbem-15360	149	17	,	,	PUNCT
fbem-15360	149	18	ahmed	ahmed	PROPN
fbem-15360	149	19	,	,	PUNCT
fbem-15360	149	20	o.	o.	PROPN
fbem-15360	149	21	,	,	PUNCT
fbem-15360	149	22	hakeem	hakeem	PROPN
fbem-15360	149	23	,	,	PUNCT
fbem-15360	149	24	s.	s.	PROPN
fbem-15360	149	25	,	,	PUNCT
fbem-15360	149	26	saqib	saqib	NOUN
fbem-15360	149	27	,	,	PUNCT
fbem-15360	149	28	m.	m.	NOUN
fbem-15360	149	29	,	,	PUNCT
fbem-15360	149	30	&	&	CCONJ
fbem-15360	149	31	khan	khan	PROPN
fbem-15360	149	32	,	,	PUNCT
fbem-15360	149	33	a.	a.	NOUN
fbem-15360	149	34	(	(	PUNCT
fbem-15360	149	35	2020	2020	NUM
fbem-15360	149	36	)	)	PUNCT
fbem-15360	149	37	.	.	PUNCT
fbem-15360	150	1	towards	towards	ADP
fbem-15360	150	2	secure	secure	ADJ
fbem-15360	150	3	fintech	fintech	NOUN
fbem-15360	150	4	:	:	PUNCT
fbem-15360	150	5	a	a	DET
fbem-15360	150	6	survey	survey	NOUN
fbem-15360	150	7	,	,	PUNCT
fbem-15360	150	8	taxonomy	taxonomy	NOUN
fbem-15360	150	9	,	,	PUNCT
fbem-15360	150	10	and	and	CCONJ
fbem-15360	150	11	open	open	ADJ
fbem-15360	150	12	research	research	NOUN
fbem-15360	150	13	challenges	challenge	NOUN
fbem-15360	150	14	.	.	PUNCT
fbem-15360	151	1	ieee	ieee	NOUN
fbem-15360	151	2	access	access	NOUN
fbem-15360	151	3	,	,	PUNCT
fbem-15360	151	4	8	8	NUM
fbem-15360	151	5	,	,	PUNCT
fbem-15360	151	6	23391–23406	23391–23406	NUM
fbem-15360	151	7	.	.	PUNCT
fbem-15360	152	1	[	[	X
fbem-15360	152	2	16	16	NUM
fbem-15360	152	3	]	]	PUNCT
fbem-15360	152	4	world	world	PROPN
fbem-15360	152	5	bank	bank	PROPN
fbem-15360	152	6	.	.	PUNCT
fbem-15360	153	1	(	(	PUNCT
fbem-15360	153	2	2021	2021	NUM
fbem-15360	153	3	)	)	PUNCT
fbem-15360	153	4	.	.	PUNCT
fbem-15360	154	1	world	world	PROPN
fbem-15360	154	2	development	development	PROPN
fbem-15360	154	3	report	report	PROPN
fbem-15360	154	4	2021	2021	NUM
fbem-15360	154	5	:	:	PUNCT
fbem-15360	154	6	data	datum	NOUN
fbem-15360	154	7	for	for	ADP
fbem-15360	154	8	better	well	ADJ
fbem-15360	154	9	lives	life	NOUN
fbem-15360	154	10	.	.	PUNCT
fbem-15360	155	1	https://www.worldbank.org/en/publication/wdr2021	https://www.worldbank.org/en/publication/wdr2021	NOUN
fbem-15360	155	2	.	.	PUNCT