id	sid	tid	token	lemma	pos
fbem-18147	1	1	frontiers	frontier	NOUN
fbem-18147	1	2	in	in	ADP
fbem-18147	1	3	business	business	NOUN
fbem-18147	1	4	,	,	PUNCT
fbem-18147	1	5	economics	economic	NOUN
fbem-18147	1	6	and	and	CCONJ
fbem-18147	1	7	management	management	NOUN
fbem-18147	1	8	issn	issn	PROPN
fbem-18147	1	9	:	:	PUNCT
fbem-18147	1	10	2766	2766	NUM
fbem-18147	1	11	-	-	PUNCT
fbem-18147	1	12	824x	824x	NUM
fbem-18147	1	13	|	|	ADJ
fbem-18147	1	14	vol	vol	NOUN
fbem-18147	1	15	.	.	PROPN
fbem-18147	1	16	13	13	NUM
fbem-18147	1	17	,	,	PUNCT
fbem-18147	1	18	no	no	INTJ
fbem-18147	1	19	.	.	NOUN
fbem-18147	1	20	3	3	NUM
fbem-18147	1	21	,	,	PUNCT
fbem-18147	1	22	2024	2024	NUM
fbem-18147	1	23	28	28	NUM
fbem-18147	1	24	challenges	challenge	NOUN
fbem-18147	1	25	and	and	CCONJ
fbem-18147	1	26	opportunities	opportunity	NOUN
fbem-18147	1	27	of	of	ADP
fbem-18147	1	28	fintech	fintech	NOUN
fbem-18147	1	29	innovation	innovation	NOUN
fbem-18147	1	30	for	for	ADP
fbem-18147	1	31	traditional	traditional	ADJ
fbem-18147	1	32	financial	financial	ADJ
fbem-18147	1	33	institutions	institution	NOUN
fbem-18147	1	34	qingle	qingle	VERB
fbem-18147	1	35	chen	chen	PROPN
fbem-18147	1	36	shandong	shandong	PROPN
fbem-18147	1	37	university	university	PROPN
fbem-18147	1	38	of	of	ADP
fbem-18147	1	39	finance	finance	NOUN
fbem-18147	1	40	and	and	CCONJ
fbem-18147	1	41	economics	economic	NOUN
fbem-18147	1	42	(	(	PUNCT
fbem-18147	1	43	shengjing	shengje	VERB
fbem-18147	1	44	campus	campus	NOUN
fbem-18147	1	45	)	)	PUNCT
fbem-18147	1	46	,	,	PUNCT
fbem-18147	1	47	shandong	shandong	PROPN
fbem-18147	1	48	,	,	PUNCT
fbem-18147	1	49	jinan	jinan	PROPN
fbem-18147	1	50	,	,	PUNCT
fbem-18147	1	51	250220	250220	NUM
fbem-18147	1	52	,	,	PUNCT
fbem-18147	1	53	china	china	PROPN
fbem-18147	1	54	abstract	abstract	NOUN
fbem-18147	1	55	:	:	PUNCT
fbem-18147	1	56	the	the	DET
fbem-18147	1	57	rapid	rapid	ADJ
fbem-18147	1	58	rise	rise	NOUN
fbem-18147	1	59	of	of	ADP
fbem-18147	1	60	fintech	fintech	NOUN
fbem-18147	1	61	innovation	innovation	NOUN
fbem-18147	1	62	has	have	AUX
fbem-18147	1	63	ushered	usher	VERB
fbem-18147	1	64	in	in	ADP
fbem-18147	1	65	an	an	DET
fbem-18147	1	66	era	era	NOUN
fbem-18147	1	67	of	of	ADP
fbem-18147	1	68	change	change	NOUN
fbem-18147	1	69	in	in	ADP
fbem-18147	1	70	the	the	DET
fbem-18147	1	71	global	global	ADJ
fbem-18147	1	72	financial	financial	PROPN
fbem-18147	1	73	services	service	NOUN
fbem-18147	1	74	industry	industry	NOUN
fbem-18147	1	75	,	,	PUNCT
fbem-18147	1	76	presenting	present	VERB
fbem-18147	1	77	traditional	traditional	ADJ
fbem-18147	1	78	financial	financial	ADJ
fbem-18147	1	79	institutions	institution	NOUN
fbem-18147	1	80	with	with	ADP
fbem-18147	1	81	a	a	DET
fbem-18147	1	82	complex	complex	ADJ
fbem-18147	1	83	mix	mix	NOUN
fbem-18147	1	84	of	of	ADP
fbem-18147	1	85	challenges	challenge	NOUN
fbem-18147	1	86	and	and	CCONJ
fbem-18147	1	87	opportunities	opportunity	NOUN
fbem-18147	1	88	.	.	PUNCT
fbem-18147	2	1	the	the	DET
fbem-18147	2	2	dynamic	dynamic	ADJ
fbem-18147	2	3	interaction	interaction	NOUN
fbem-18147	2	4	between	between	ADP
fbem-18147	2	5	fintech	fintech	NOUN
fbem-18147	2	6	advances	advance	NOUN
fbem-18147	2	7	and	and	CCONJ
fbem-18147	2	8	the	the	DET
fbem-18147	2	9	traditional	traditional	ADJ
fbem-18147	2	10	banking	banking	NOUN
fbem-18147	2	11	system	system	NOUN
fbem-18147	2	12	marks	mark	VERB
fbem-18147	2	13	a	a	DET
fbem-18147	2	14	pivotal	pivotal	ADJ
fbem-18147	2	15	moment	moment	NOUN
fbem-18147	2	16	in	in	ADP
fbem-18147	2	17	the	the	DET
fbem-18147	2	18	financial	financial	ADJ
fbem-18147	2	19	industry	industry	NOUN
fbem-18147	2	20	,	,	PUNCT
fbem-18147	2	21	where	where	SCONJ
fbem-18147	2	22	the	the	DET
fbem-18147	2	23	convergence	convergence	NOUN
fbem-18147	2	24	of	of	ADP
fbem-18147	2	25	digital	digital	ADJ
fbem-18147	2	26	technologies	technology	NOUN
fbem-18147	2	27	with	with	ADP
fbem-18147	2	28	the	the	DET
fbem-18147	2	29	financial	financial	ADJ
fbem-18147	2	30	services	service	NOUN
fbem-18147	2	31	structure	structure	NOUN
fbem-18147	2	32	is	be	AUX
fbem-18147	2	33	reshaping	reshape	VERB
fbem-18147	2	34	the	the	DET
fbem-18147	2	35	traditional	traditional	ADJ
fbem-18147	2	36	banking	banking	NOUN
fbem-18147	2	37	business	business	NOUN
fbem-18147	2	38	model	model	NOUN
fbem-18147	2	39	.	.	PUNCT
fbem-18147	3	1	fintech	fintech	NOUN
fbem-18147	3	2	innovations	innovation	NOUN
fbem-18147	3	3	,	,	PUNCT
fbem-18147	3	4	characterised	characterise	VERB
fbem-18147	3	5	by	by	ADP
fbem-18147	3	6	their	their	PRON
fbem-18147	3	7	flexibility	flexibility	NOUN
fbem-18147	3	8	,	,	PUNCT
fbem-18147	3	9	innovation	innovation	NOUN
fbem-18147	3	10	and	and	CCONJ
fbem-18147	3	11	customer	customer	NOUN
fbem-18147	3	12	-	-	PUNCT
fbem-18147	3	13	centric	centric	NOUN
fbem-18147	3	14	solutions	solution	NOUN
fbem-18147	3	15	,	,	PUNCT
fbem-18147	3	16	are	be	AUX
fbem-18147	3	17	challenging	challenge	VERB
fbem-18147	3	18	the	the	DET
fbem-18147	3	19	established	establish	VERB
fbem-18147	3	20	models	model	NOUN
fbem-18147	3	21	of	of	ADP
fbem-18147	3	22	traditional	traditional	ADJ
fbem-18147	3	23	banks	bank	NOUN
fbem-18147	3	24	,	,	PUNCT
fbem-18147	3	25	forcing	force	VERB
fbem-18147	3	26	them	they	PRON
fbem-18147	3	27	to	to	PART
fbem-18147	3	28	rethink	rethink	VERB
fbem-18147	3	29	their	their	PRON
fbem-18147	3	30	strategies	strategy	NOUN
fbem-18147	3	31	,	,	PUNCT
fbem-18147	3	32	operations	operation	NOUN
fbem-18147	3	33	and	and	CCONJ
fbem-18147	3	34	services	service	NOUN
fbem-18147	3	35	.	.	PUNCT
fbem-18147	4	1	these	these	DET
fbem-18147	4	2	challenges	challenge	NOUN
fbem-18147	4	3	are	be	AUX
fbem-18147	4	4	multifaceted	multifaceted	ADJ
fbem-18147	4	5	,	,	PUNCT
fbem-18147	4	6	including	include	VERB
fbem-18147	4	7	the	the	DET
fbem-18147	4	8	need	need	NOUN
fbem-18147	4	9	for	for	ADP
fbem-18147	4	10	digital	digital	ADJ
fbem-18147	4	11	transformation	transformation	NOUN
fbem-18147	4	12	,	,	PUNCT
fbem-18147	4	13	increasing	increase	VERB
fbem-18147	4	14	competitive	competitive	ADJ
fbem-18147	4	15	pressures	pressure	NOUN
fbem-18147	4	16	from	from	ADP
fbem-18147	4	17	fintech	fintech	NOUN
fbem-18147	4	18	startups	startup	NOUN
fbem-18147	4	19	,	,	PUNCT
fbem-18147	4	20	evolving	evolve	VERB
fbem-18147	4	21	consumer	consumer	NOUN
fbem-18147	4	22	expectations	expectation	NOUN
fbem-18147	4	23	for	for	ADP
fbem-18147	4	24	instant	instant	ADJ
fbem-18147	4	25	and	and	CCONJ
fbem-18147	4	26	seamless	seamless	ADJ
fbem-18147	4	27	financial	financial	ADJ
fbem-18147	4	28	services	service	NOUN
fbem-18147	4	29	,	,	PUNCT
fbem-18147	4	30	and	and	CCONJ
fbem-18147	4	31	the	the	DET
fbem-18147	4	32	need	need	NOUN
fbem-18147	4	33	to	to	PART
fbem-18147	4	34	find	find	VERB
fbem-18147	4	35	a	a	DET
fbem-18147	4	36	balance	balance	NOUN
fbem-18147	4	37	between	between	ADP
fbem-18147	4	38	innovation	innovation	NOUN
fbem-18147	4	39	and	and	CCONJ
fbem-18147	4	40	financial	financial	ADJ
fbem-18147	4	41	stability	stability	NOUN
fbem-18147	4	42	and	and	CCONJ
fbem-18147	4	43	consumer	consumer	NOUN
fbem-18147	4	44	protection	protection	NOUN
fbem-18147	4	45	in	in	ADP
fbem-18147	4	46	a	a	DET
fbem-18147	4	47	changing	change	VERB
fbem-18147	4	48	regulatory	regulatory	ADJ
fbem-18147	4	49	environment	environment	NOUN
fbem-18147	4	50	.	.	PUNCT
fbem-18147	5	1	at	at	ADP
fbem-18147	5	2	the	the	DET
fbem-18147	5	3	same	same	ADJ
fbem-18147	5	4	time	time	NOUN
fbem-18147	5	5	,	,	PUNCT
fbem-18147	5	6	fintech	fintech	NOUN
fbem-18147	5	7	innovations	innovation	NOUN
fbem-18147	5	8	offer	offer	VERB
fbem-18147	5	9	unprecedented	unprecedented	ADJ
fbem-18147	5	10	opportunities	opportunity	NOUN
fbem-18147	5	11	for	for	ADP
fbem-18147	5	12	traditional	traditional	ADJ
fbem-18147	5	13	financial	financial	ADJ
fbem-18147	5	14	institutions	institution	NOUN
fbem-18147	5	15	to	to	PART
fbem-18147	5	16	redefine	redefine	VERB
fbem-18147	5	17	their	their	PRON
fbem-18147	5	18	roles	role	NOUN
fbem-18147	5	19	in	in	ADP
fbem-18147	5	20	the	the	DET
fbem-18147	5	21	financial	financial	ADJ
fbem-18147	5	22	ecosystem	ecosystem	NOUN
fbem-18147	5	23	,	,	PUNCT
fbem-18147	5	24	improve	improve	VERB
fbem-18147	5	25	operational	operational	ADJ
fbem-18147	5	26	efficiency	efficiency	NOUN
fbem-18147	5	27	,	,	PUNCT
fbem-18147	5	28	and	and	CCONJ
fbem-18147	5	29	expand	expand	VERB
fbem-18147	5	30	the	the	DET
fbem-18147	5	31	scope	scope	NOUN
fbem-18147	5	32	of	of	ADP
fbem-18147	5	33	their	their	PRON
fbem-18147	5	34	services	service	NOUN
fbem-18147	5	35	.	.	PUNCT
fbem-18147	6	1	by	by	ADP
fbem-18147	6	2	adopting	adopt	VERB
fbem-18147	6	3	blockchain	blockchain	PROPN
fbem-18147	6	4	technology	technology	PROPN
fbem-18147	6	5	to	to	PART
fbem-18147	6	6	enable	enable	VERB
fbem-18147	6	7	secure	secure	ADJ
fbem-18147	6	8	transactions	transaction	NOUN
fbem-18147	6	9	,	,	PUNCT
fbem-18147	6	10	artificial	artificial	ADJ
fbem-18147	6	11	intelligence	intelligence	NOUN
fbem-18147	6	12	technology	technology	NOUN
fbem-18147	6	13	to	to	PART
fbem-18147	6	14	provide	provide	VERB
fbem-18147	6	15	personalised	personalised	ADJ
fbem-18147	6	16	customer	customer	NOUN
fbem-18147	6	17	service	service	NOUN
fbem-18147	6	18	,	,	PUNCT
fbem-18147	6	19	and	and	CCONJ
fbem-18147	6	20	data	datum	NOUN
fbem-18147	6	21	analytics	analytic	NOUN
fbem-18147	6	22	to	to	PART
fbem-18147	6	23	improve	improve	VERB
fbem-18147	6	24	risk	risk	NOUN
fbem-18147	6	25	management	management	NOUN
fbem-18147	6	26	,	,	PUNCT
fbem-18147	6	27	traditional	traditional	ADJ
fbem-18147	6	28	banks	bank	NOUN
fbem-18147	6	29	can	can	AUX
fbem-18147	6	30	open	open	VERB
fbem-18147	6	31	up	up	ADP
fbem-18147	6	32	new	new	ADJ
fbem-18147	6	33	avenues	avenue	NOUN
fbem-18147	6	34	for	for	ADP
fbem-18147	6	35	growth	growth	NOUN
fbem-18147	6	36	and	and	CCONJ
fbem-18147	6	37	innovation	innovation	NOUN
fbem-18147	6	38	.	.	PUNCT
fbem-18147	7	1	in	in	ADP
fbem-18147	7	2	addition	addition	NOUN
fbem-18147	7	3	,	,	PUNCT
fbem-18147	7	4	fintech	fintech	NOUN
fbem-18147	7	5	can	can	AUX
fbem-18147	7	6	enable	enable	VERB
fbem-18147	7	7	traditional	traditional	ADJ
fbem-18147	7	8	banks	bank	NOUN
fbem-18147	7	9	to	to	PART
fbem-18147	7	10	offer	offer	VERB
fbem-18147	7	11	convenient	convenient	ADJ
fbem-18147	7	12	and	and	CCONJ
fbem-18147	7	13	affordable	affordable	ADJ
fbem-18147	7	14	financial	financial	ADJ
fbem-18147	7	15	products	product	NOUN
fbem-18147	7	16	to	to	PART
fbem-18147	7	17	underserved	underserved	ADJ
fbem-18147	7	18	or	or	CCONJ
fbem-18147	7	19	unbanked	unbanked	ADJ
fbem-18147	7	20	populations	population	NOUN
fbem-18147	7	21	,	,	PUNCT
fbem-18147	7	22	thereby	thereby	ADV
fbem-18147	7	23	promoting	promote	VERB
fbem-18147	7	24	financial	financial	ADJ
fbem-18147	7	25	inclusion	inclusion	NOUN
fbem-18147	7	26	.	.	PUNCT
fbem-18147	8	1	the	the	DET
fbem-18147	8	2	intricate	intricate	ADJ
fbem-18147	8	3	relationship	relationship	NOUN
fbem-18147	8	4	between	between	ADP
fbem-18147	8	5	fintech	fintech	NOUN
fbem-18147	8	6	innovation	innovation	NOUN
fbem-18147	8	7	and	and	CCONJ
fbem-18147	8	8	traditional	traditional	ADJ
fbem-18147	8	9	financial	financial	ADJ
fbem-18147	8	10	institutions	institution	NOUN
fbem-18147	8	11	embodies	embody	VERB
fbem-18147	8	12	a	a	DET
fbem-18147	8	13	dual	dual	ADJ
fbem-18147	8	14	narrative	narrative	NOUN
fbem-18147	8	15	of	of	ADP
fbem-18147	8	16	disruption	disruption	NOUN
fbem-18147	8	17	and	and	CCONJ
fbem-18147	8	18	convergence	convergence	NOUN
fbem-18147	8	19	,	,	PUNCT
fbem-18147	8	20	highlighting	highlight	VERB
fbem-18147	8	21	the	the	DET
fbem-18147	8	22	need	need	NOUN
fbem-18147	8	23	for	for	SCONJ
fbem-18147	8	24	traditional	traditional	ADJ
fbem-18147	8	25	banks	bank	NOUN
fbem-18147	8	26	to	to	PART
fbem-18147	8	27	take	take	VERB
fbem-18147	8	28	a	a	DET
fbem-18147	8	29	strategic	strategic	ADJ
fbem-18147	8	30	and	and	CCONJ
fbem-18147	8	31	adaptive	adaptive	ADJ
fbem-18147	8	32	approach	approach	NOUN
fbem-18147	8	33	to	to	ADP
fbem-18147	8	34	navigating	navigate	VERB
fbem-18147	8	35	the	the	DET
fbem-18147	8	36	fintech	fintech	NOUN
fbem-18147	8	37	revolution	revolution	NOUN
fbem-18147	8	38	.	.	PUNCT
fbem-18147	9	1	as	as	SCONJ
fbem-18147	9	2	traditional	traditional	ADJ
fbem-18147	9	3	financial	financial	ADJ
fbem-18147	9	4	institutions	institution	NOUN
fbem-18147	9	5	endeavour	endeavour	VERB
fbem-18147	9	6	to	to	PART
fbem-18147	9	7	address	address	VERB
fbem-18147	9	8	the	the	DET
fbem-18147	9	9	challenges	challenge	NOUN
fbem-18147	9	10	posed	pose	VERB
fbem-18147	9	11	by	by	ADP
fbem-18147	9	12	fintech	fintech	NOUN
fbem-18147	9	13	and	and	CCONJ
fbem-18147	9	14	embrace	embrace	VERB
fbem-18147	9	15	the	the	DET
fbem-18147	9	16	opportunities	opportunity	NOUN
fbem-18147	9	17	it	it	PRON
fbem-18147	9	18	presents	present	VERB
fbem-18147	9	19	,	,	PUNCT
fbem-18147	9	20	they	they	PRON
fbem-18147	9	21	will	will	AUX
fbem-18147	9	22	play	play	VERB
fbem-18147	9	23	a	a	DET
fbem-18147	9	24	crucial	crucial	ADJ
fbem-18147	9	25	role	role	NOUN
fbem-18147	9	26	in	in	ADP
fbem-18147	9	27	shaping	shape	VERB
fbem-18147	9	28	a	a	DET
fbem-18147	9	29	more	more	ADV
fbem-18147	9	30	inclusive	inclusive	ADJ
fbem-18147	9	31	,	,	PUNCT
fbem-18147	9	32	efficient	efficient	ADJ
fbem-18147	9	33	and	and	CCONJ
fbem-18147	9	34	resilient	resilient	ADJ
fbem-18147	9	35	financial	financial	ADJ
fbem-18147	9	36	system	system	NOUN
fbem-18147	9	37	of	of	ADP
fbem-18147	9	38	the	the	DET
fbem-18147	9	39	future	future	NOUN
fbem-18147	9	40	.	.	PUNCT
fbem-18147	10	1	the	the	DET
fbem-18147	10	2	need	need	NOUN
fbem-18147	10	3	for	for	ADP
fbem-18147	10	4	a	a	DET
fbem-18147	10	5	nuanced	nuanced	ADJ
fbem-18147	10	6	understanding	understanding	NOUN
fbem-18147	10	7	of	of	ADP
fbem-18147	10	8	technological	technological	ADJ
fbem-18147	10	9	,	,	PUNCT
fbem-18147	10	10	regulatory	regulatory	ADJ
fbem-18147	10	11	and	and	CCONJ
fbem-18147	10	12	market	market	NOUN
fbem-18147	10	13	dynamics	dynamic	NOUN
fbem-18147	10	14	in	in	ADP
fbem-18147	10	15	the	the	DET
fbem-18147	10	16	evolution	evolution	NOUN
fbem-18147	10	17	of	of	ADP
fbem-18147	10	18	fintech	fintech	NOUN
fbem-18147	10	19	underscores	underscore	VERB
fbem-18147	10	20	the	the	DET
fbem-18147	10	21	importance	importance	NOUN
fbem-18147	10	22	of	of	ADP
fbem-18147	10	23	innovation	innovation	NOUN
fbem-18147	10	24	,	,	PUNCT
fbem-18147	10	25	collaboration	collaboration	NOUN
fbem-18147	10	26	and	and	CCONJ
fbem-18147	10	27	customer	customer	NOUN
fbem-18147	10	28	-	-	PUNCT
fbem-18147	10	29	centricity	centricity	NOUN
fbem-18147	10	30	in	in	ADP
fbem-18147	10	31	the	the	DET
fbem-18147	10	32	development	development	NOUN
fbem-18147	10	33	of	of	ADP
fbem-18147	10	34	the	the	DET
fbem-18147	10	35	financial	financial	ADJ
fbem-18147	10	36	services	service	NOUN
fbem-18147	10	37	industry	industry	NOUN
fbem-18147	10	38	.	.	PUNCT
fbem-18147	11	1	keywords	keyword	NOUN
fbem-18147	11	2	:	:	PUNCT
fbem-18147	11	3	financial	financial	ADJ
fbem-18147	11	4	technology	technology	NOUN
fbem-18147	11	5	(	(	PUNCT
fbem-18147	11	6	fintech	fintech	NOUN
fbem-18147	11	7	)	)	PUNCT
fbem-18147	11	8	;	;	PUNCT
fbem-18147	11	9	traditional	traditional	ADJ
fbem-18147	11	10	financial	financial	ADJ
fbem-18147	11	11	institutions	institution	NOUN
fbem-18147	11	12	;	;	PUNCT
fbem-18147	11	13	digital	digital	ADJ
fbem-18147	11	14	transformation	transformation	NOUN
fbem-18147	11	15	;	;	PUNCT
fbem-18147	11	16	innovation	innovation	NOUN
fbem-18147	11	17	;	;	PUNCT
fbem-18147	11	18	data	datum	NOUN
fbem-18147	11	19	analytics	analytic	NOUN
fbem-18147	11	20	.	.	PUNCT
fbem-18147	12	1	1	1	X
fbem-18147	12	2	.	.	X
fbem-18147	12	3	introduction	introduction	NOUN
fbem-18147	12	4	since	since	SCONJ
fbem-18147	12	5	entering	enter	VERB
fbem-18147	12	6	the	the	DET
fbem-18147	12	7	21st	21st	ADJ
fbem-18147	12	8	century	century	NOUN
fbem-18147	12	9	,	,	PUNCT
fbem-18147	12	10	financial	financial	ADJ
fbem-18147	12	11	technology	technology	NOUN
fbem-18147	12	12	(	(	PUNCT
fbem-18147	12	13	fintech	fintech	NOUN
fbem-18147	12	14	)	)	PUNCT
fbem-18147	12	15	has	have	AUX
fbem-18147	12	16	evolved	evolve	VERB
fbem-18147	12	17	rapidly	rapidly	ADV
fbem-18147	12	18	to	to	PART
fbem-18147	12	19	become	become	VERB
fbem-18147	12	20	the	the	DET
fbem-18147	12	21	intersection	intersection	NOUN
fbem-18147	12	22	of	of	ADP
fbem-18147	12	23	finance	finance	NOUN
fbem-18147	12	24	,	,	PUNCT
fbem-18147	12	25	technology	technology	NOUN
fbem-18147	12	26	and	and	CCONJ
fbem-18147	12	27	innovation	innovation	NOUN
fbem-18147	12	28	.	.	PUNCT
fbem-18147	13	1	this	this	DET
fbem-18147	13	2	evolution	evolution	NOUN
fbem-18147	13	3	not	not	PART
fbem-18147	13	4	only	only	ADV
fbem-18147	13	5	heralds	herald	VERB
fbem-18147	13	6	a	a	DET
fbem-18147	13	7	new	new	ADJ
fbem-18147	13	8	era	era	NOUN
fbem-18147	13	9	in	in	ADP
fbem-18147	13	10	financial	financial	ADJ
fbem-18147	13	11	services	service	NOUN
fbem-18147	13	12	,	,	PUNCT
fbem-18147	13	13	but	but	CCONJ
fbem-18147	13	14	also	also	ADV
fbem-18147	13	15	presents	present	VERB
fbem-18147	13	16	a	a	DET
fbem-18147	13	17	complex	complex	ADJ
fbem-18147	13	18	set	set	NOUN
fbem-18147	13	19	of	of	ADP
fbem-18147	13	20	challenges	challenge	NOUN
fbem-18147	13	21	and	and	CCONJ
fbem-18147	13	22	opportunities	opportunity	NOUN
fbem-18147	13	23	for	for	ADP
fbem-18147	13	24	traditional	traditional	ADJ
fbem-18147	13	25	financial	financial	ADJ
fbem-18147	13	26	institutions	institution	NOUN
fbem-18147	13	27	.	.	PUNCT
fbem-18147	14	1	as	as	SCONJ
fbem-18147	14	2	we	we	PRON
fbem-18147	14	3	delve	delve	VERB
fbem-18147	14	4	into	into	ADP
fbem-18147	14	5	the	the	DET
fbem-18147	14	6	intricate	intricate	ADJ
fbem-18147	14	7	dynamics	dynamic	NOUN
fbem-18147	14	8	between	between	ADP
fbem-18147	14	9	fintech	fintech	NOUN
fbem-18147	14	10	innovation	innovation	NOUN
fbem-18147	14	11	and	and	CCONJ
fbem-18147	14	12	these	these	DET
fbem-18147	14	13	institutions	institution	NOUN
fbem-18147	14	14	,	,	PUNCT
fbem-18147	14	15	it	it	PRON
fbem-18147	14	16	is	be	AUX
fbem-18147	14	17	imperative	imperative	ADJ
fbem-18147	14	18	to	to	PART
fbem-18147	14	19	explore	explore	VERB
fbem-18147	14	20	how	how	SCONJ
fbem-18147	14	21	the	the	DET
fbem-18147	14	22	relentless	relentless	ADJ
fbem-18147	14	23	evolution	evolution	NOUN
fbem-18147	14	24	of	of	ADP
fbem-18147	14	25	technology	technology	NOUN
fbem-18147	14	26	from	from	ADP
fbem-18147	14	27	blockchain	blockchain	PROPN
fbem-18147	14	28	and	and	CCONJ
fbem-18147	14	29	ai	ai	VERB
fbem-18147	14	30	to	to	ADP
fbem-18147	14	31	mobile	mobile	ADJ
fbem-18147	14	32	banking	banking	NOUN
fbem-18147	14	33	and	and	CCONJ
fbem-18147	14	34	beyond	beyond	ADV
fbem-18147	14	35	has	have	AUX
fbem-18147	14	36	reshaped	reshape	VERB
fbem-18147	14	37	the	the	DET
fbem-18147	14	38	landscape	landscape	NOUN
fbem-18147	14	39	of	of	ADP
fbem-18147	14	40	banking	banking	NOUN
fbem-18147	14	41	and	and	CCONJ
fbem-18147	14	42	finance	finance	NOUN
fbem-18147	14	43	.	.	PUNCT
fbem-18147	15	1	this	this	DET
fbem-18147	15	2	exploration	exploration	NOUN
fbem-18147	15	3	is	be	AUX
fbem-18147	15	4	critical	critical	ADJ
fbem-18147	15	5	to	to	ADP
fbem-18147	15	6	understanding	understand	VERB
fbem-18147	15	7	the	the	DET
fbem-18147	15	8	transformative	transformative	ADJ
fbem-18147	15	9	impact	impact	NOUN
fbem-18147	15	10	of	of	ADP
fbem-18147	15	11	fintech	fintech	NOUN
fbem-18147	15	12	,	,	PUNCT
fbem-18147	15	13	which	which	PRON
fbem-18147	15	14	is	be	AUX
fbem-18147	15	15	not	not	PART
fbem-18147	15	16	just	just	ADV
fbem-18147	15	17	a	a	DET
fbem-18147	15	18	technological	technological	ADJ
fbem-18147	15	19	advancement	advancement	NOUN
fbem-18147	15	20	but	but	CCONJ
fbem-18147	15	21	a	a	DET
fbem-18147	15	22	revolutionary	revolutionary	ADJ
fbem-18147	15	23	shift	shift	NOUN
fbem-18147	15	24	in	in	ADP
fbem-18147	15	25	the	the	DET
fbem-18147	15	26	way	way	NOUN
fbem-18147	15	27	financial	financial	ADJ
fbem-18147	15	28	services	service	NOUN
fbem-18147	15	29	are	be	AUX
fbem-18147	15	30	conceived	conceive	VERB
fbem-18147	15	31	,	,	PUNCT
fbem-18147	15	32	delivered	deliver	VERB
fbem-18147	15	33	and	and	CCONJ
fbem-18147	15	34	consumed	consume	VERB
fbem-18147	15	35	[	[	X
fbem-18147	15	36	1	1	NUM
fbem-18147	15	37	]	]	PUNCT
fbem-18147	15	38	.	.	PUNCT
fbem-18147	16	1	the	the	DET
fbem-18147	16	2	challenges	challenge	NOUN
fbem-18147	16	3	faced	face	VERB
fbem-18147	16	4	by	by	ADP
fbem-18147	16	5	traditional	traditional	ADJ
fbem-18147	16	6	financial	financial	ADJ
fbem-18147	16	7	institutions	institution	NOUN
fbem-18147	16	8	in	in	ADP
fbem-18147	16	9	the	the	DET
fbem-18147	16	10	wake	wake	NOUN
fbem-18147	16	11	of	of	ADP
fbem-18147	16	12	fintech	fintech	NOUN
fbem-18147	16	13	innovation	innovation	NOUN
fbem-18147	16	14	are	be	AUX
fbem-18147	16	15	multifaceted	multifaceted	ADJ
fbem-18147	16	16	and	and	CCONJ
fbem-18147	16	17	reflect	reflect	VERB
fbem-18147	16	18	the	the	DET
fbem-18147	16	19	depth	depth	NOUN
fbem-18147	16	20	and	and	CCONJ
fbem-18147	16	21	breadth	breadth	NOUN
fbem-18147	16	22	of	of	ADP
fbem-18147	16	23	technological	technological	ADJ
fbem-18147	16	24	change	change	NOUN
fbem-18147	16	25	.	.	PUNCT
fbem-18147	17	1	traditional	traditional	ADJ
fbem-18147	17	2	banks	bank	NOUN
fbem-18147	17	3	,	,	PUNCT
fbem-18147	17	4	with	with	ADP
fbem-18147	17	5	legacy	legacy	NOUN
fbem-18147	17	6	systems	system	NOUN
fbem-18147	17	7	and	and	CCONJ
fbem-18147	17	8	established	establish	VERB
fbem-18147	17	9	ways	way	NOUN
fbem-18147	17	10	of	of	ADP
fbem-18147	17	11	operating	operating	NOUN
fbem-18147	17	12	,	,	PUNCT
fbem-18147	17	13	find	find	VERB
fbem-18147	17	14	themselves	themselves	PRON
fbem-18147	17	15	in	in	ADP
fbem-18147	17	16	need	need	NOUN
fbem-18147	17	17	of	of	ADP
fbem-18147	17	18	digital	digital	ADJ
fbem-18147	17	19	transformation	transformation	NOUN
fbem-18147	17	20	in	in	ADP
fbem-18147	17	21	the	the	DET
fbem-18147	17	22	face	face	NOUN
fbem-18147	17	23	of	of	ADP
fbem-18147	17	24	increasing	increase	VERB
fbem-18147	17	25	competition	competition	NOUN
fbem-18147	17	26	from	from	ADP
fbem-18147	17	27	nimble	nimble	ADJ
fbem-18147	17	28	,	,	PUNCT
fbem-18147	17	29	tech	tech	NOUN
fbem-18147	17	30	-	-	PUNCT
fbem-18147	17	31	savvy	savvy	ADJ
fbem-18147	17	32	start	start	NOUN
fbem-18147	17	33	-	-	PUNCT
fbem-18147	17	34	ups	up	NOUN
fbem-18147	17	35	that	that	PRON
fbem-18147	17	36	offer	offer	AUX
fbem-18147	17	37	customised	customise	VERB
fbem-18147	17	38	,	,	PUNCT
fbem-18147	17	39	user	user	NOUN
fbem-18147	17	40	-	-	PUNCT
fbem-18147	17	41	friendly	friendly	ADJ
fbem-18147	17	42	financial	financial	ADJ
fbem-18147	17	43	solutions	solution	NOUN
fbem-18147	17	44	.	.	PUNCT
fbem-18147	18	1	this	this	DET
fbem-18147	18	2	competition	competition	NOUN
fbem-18147	18	3	is	be	AUX
fbem-18147	18	4	fuelled	fuel	VERB
fbem-18147	18	5	by	by	ADP
fbem-18147	18	6	changing	change	VERB
fbem-18147	18	7	consumer	consumer	NOUN
fbem-18147	18	8	expectations	expectation	NOUN
fbem-18147	18	9	,	,	PUNCT
fbem-18147	18	10	with	with	ADP
fbem-18147	18	11	a	a	DET
fbem-18147	18	12	new	new	ADJ
fbem-18147	18	13	generation	generation	NOUN
fbem-18147	18	14	of	of	ADP
fbem-18147	18	15	customers	customer	NOUN
fbem-18147	18	16	demanding	demand	VERB
fbem-18147	18	17	on	on	ADP
fbem-18147	18	18	-	-	PUNCT
fbem-18147	18	19	demand	demand	NOUN
fbem-18147	18	20	,	,	PUNCT
fbem-18147	18	21	instant	instant	ADJ
fbem-18147	18	22	access	access	NOUN
fbem-18147	18	23	to	to	ADP
fbem-18147	18	24	financial	financial	ADJ
fbem-18147	18	25	services	service	NOUN
fbem-18147	18	26	via	via	ADP
fbem-18147	18	27	digital	digital	ADJ
fbem-18147	18	28	devices	device	NOUN
fbem-18147	18	29	.	.	PUNCT
fbem-18147	19	1	in	in	ADP
fbem-18147	19	2	addition	addition	NOUN
fbem-18147	19	3	,	,	PUNCT
fbem-18147	19	4	the	the	DET
fbem-18147	19	5	regulatory	regulatory	ADJ
fbem-18147	19	6	environment	environment	NOUN
fbem-18147	19	7	is	be	AUX
fbem-18147	19	8	evolving	evolve	VERB
fbem-18147	19	9	,	,	PUNCT
fbem-18147	19	10	with	with	ADP
fbem-18147	19	11	policymakers	policymaker	NOUN
fbem-18147	19	12	and	and	CCONJ
fbem-18147	19	13	regulators	regulator	NOUN
fbem-18147	19	14	seeking	seek	VERB
fbem-18147	19	15	to	to	PART
fbem-18147	19	16	balance	balance	VERB
fbem-18147	19	17	the	the	DET
fbem-18147	19	18	promotion	promotion	NOUN
fbem-18147	19	19	of	of	ADP
fbem-18147	19	20	innovation	innovation	NOUN
fbem-18147	19	21	with	with	ADP
fbem-18147	19	22	ensuring	ensure	VERB
fbem-18147	19	23	financial	financial	ADJ
fbem-18147	19	24	stability	stability	NOUN
fbem-18147	19	25	,	,	PUNCT
fbem-18147	19	26	protecting	protect	VERB
fbem-18147	19	27	consumers	consumer	NOUN
fbem-18147	19	28	and	and	CCONJ
fbem-18147	19	29	preserving	preserve	VERB
fbem-18147	19	30	the	the	DET
fbem-18147	19	31	integrity	integrity	NOUN
fbem-18147	19	32	of	of	ADP
fbem-18147	19	33	the	the	DET
fbem-18147	19	34	financial	financial	ADJ
fbem-18147	19	35	system	system	NOUN
fbem-18147	19	36	[	[	X
fbem-18147	19	37	2	2	NUM
fbem-18147	19	38	]	]	PUNCT
fbem-18147	19	39	.	.	PUNCT
fbem-18147	20	1	in	in	ADP
fbem-18147	20	2	turn	turn	NOUN
fbem-18147	20	3	,	,	PUNCT
fbem-18147	20	4	fintech	fintech	NOUN
fbem-18147	20	5	innovations	innovation	NOUN
fbem-18147	20	6	offer	offer	VERB
fbem-18147	20	7	unprecedented	unprecedented	ADJ
fbem-18147	20	8	opportunities	opportunity	NOUN
fbem-18147	20	9	for	for	ADP
fbem-18147	20	10	traditional	traditional	ADJ
fbem-18147	20	11	financial	financial	ADJ
fbem-18147	20	12	institutions	institution	NOUN
fbem-18147	20	13	to	to	PART
fbem-18147	20	14	reimagine	reimagine	VERB
fbem-18147	20	15	their	their	PRON
fbem-18147	20	16	roles	role	NOUN
fbem-18147	20	17	and	and	CCONJ
fbem-18147	20	18	services	service	NOUN
fbem-18147	20	19	.	.	PUNCT
fbem-18147	21	1	these	these	DET
fbem-18147	21	2	innovations	innovation	NOUN
fbem-18147	21	3	offer	offer	VERB
fbem-18147	21	4	the	the	DET
fbem-18147	21	5	potential	potential	NOUN
fbem-18147	21	6	to	to	PART
fbem-18147	21	7	increase	increase	VERB
fbem-18147	21	8	operational	operational	ADJ
fbem-18147	21	9	efficiencies	efficiency	NOUN
fbem-18147	21	10	,	,	PUNCT
fbem-18147	21	11	improve	improve	VERB
fbem-18147	21	12	the	the	DET
fbem-18147	21	13	customer	customer	NOUN
fbem-18147	21	14	experience	experience	NOUN
fbem-18147	21	15	,	,	PUNCT
fbem-18147	21	16	and	and	CCONJ
fbem-18147	21	17	open	open	VERB
fbem-18147	21	18	up	up	ADP
fbem-18147	21	19	new	new	ADJ
fbem-18147	21	20	avenues	avenue	NOUN
fbem-18147	21	21	for	for	ADP
fbem-18147	21	22	growth	growth	NOUN
fbem-18147	21	23	and	and	CCONJ
fbem-18147	21	24	value	value	NOUN
fbem-18147	21	25	creation	creation	NOUN
fbem-18147	21	26	.	.	PUNCT
fbem-18147	22	1	by	by	ADP
fbem-18147	22	2	adopting	adopt	VERB
fbem-18147	22	3	fintech	fintech	NOUN
fbem-18147	22	4	solutions	solution	NOUN
fbem-18147	22	5	,	,	PUNCT
fbem-18147	22	6	traditional	traditional	ADJ
fbem-18147	22	7	banks	bank	NOUN
fbem-18147	22	8	can	can	AUX
fbem-18147	22	9	use	use	VERB
fbem-18147	22	10	data	data	NOUN
fbem-18147	22	11	analytics	analytic	NOUN
fbem-18147	22	12	to	to	PART
fbem-18147	22	13	provide	provide	VERB
fbem-18147	22	14	personalised	personalised	ADJ
fbem-18147	22	15	services	service	NOUN
fbem-18147	22	16	,	,	PUNCT
fbem-18147	22	17	blockchain	blockchain	PROPN
fbem-18147	22	18	to	to	PART
fbem-18147	22	19	enable	enable	VERB
fbem-18147	22	20	secure	secure	ADJ
fbem-18147	22	21	and	and	CCONJ
fbem-18147	22	22	efficient	efficient	ADJ
fbem-18147	22	23	transactions	transaction	NOUN
fbem-18147	22	24	,	,	PUNCT
fbem-18147	22	25	and	and	CCONJ
fbem-18147	22	26	artificial	artificial	ADJ
fbem-18147	22	27	intelligence	intelligence	NOUN
fbem-18147	22	28	to	to	PART
fbem-18147	22	29	enhance	enhance	VERB
fbem-18147	22	30	decision	decision	NOUN
fbem-18147	22	31	-	-	PUNCT
fbem-18147	22	32	making	make	VERB
fbem-18147	22	33	and	and	CCONJ
fbem-18147	22	34	risk	risk	NOUN
fbem-18147	22	35	management	management	NOUN
fbem-18147	22	36	.	.	PUNCT
fbem-18147	23	1	in	in	ADP
fbem-18147	23	2	addition	addition	NOUN
fbem-18147	23	3	,	,	PUNCT
fbem-18147	23	4	fintech	fintech	NOUN
fbem-18147	23	5	opens	open	VERB
fbem-18147	23	6	the	the	DET
fbem-18147	23	7	door	door	NOUN
fbem-18147	23	8	to	to	ADP
fbem-18147	23	9	financial	financial	ADJ
fbem-18147	23	10	inclusion	inclusion	NOUN
fbem-18147	23	11	,	,	PUNCT
fbem-18147	23	12	enabling	enable	VERB
fbem-18147	23	13	organisations	organisation	NOUN
fbem-18147	23	14	to	to	PART
fbem-18147	23	15	offer	offer	VERB
fbem-18147	23	16	convenient	convenient	ADJ
fbem-18147	23	17	and	and	CCONJ
fbem-18147	23	18	affordable	affordable	ADJ
fbem-18147	23	19	financial	financial	ADJ
fbem-18147	23	20	products	product	NOUN
fbem-18147	23	21	to	to	ADP
fbem-18147	23	22	underserved	underserved	ADJ
fbem-18147	23	23	populations	population	NOUN
fbem-18147	23	24	.	.	PUNCT
fbem-18147	24	1	the	the	DET
fbem-18147	24	2	emergence	emergence	NOUN
fbem-18147	24	3	of	of	ADP
fbem-18147	24	4	fintech	fintech	NOUN
fbem-18147	24	5	as	as	ADP
fbem-18147	24	6	a	a	DET
fbem-18147	24	7	powerful	powerful	ADJ
fbem-18147	24	8	force	force	NOUN
fbem-18147	24	9	in	in	ADP
fbem-18147	24	10	financial	financial	ADJ
fbem-18147	24	11	services	service	NOUN
fbem-18147	24	12	has	have	AUX
fbem-18147	24	13	prompted	prompt	VERB
fbem-18147	24	14	a	a	DET
fbem-18147	24	15	reassessment	reassessment	NOUN
fbem-18147	24	16	of	of	ADP
fbem-18147	24	17	the	the	DET
fbem-18147	24	18	fundamental	fundamental	ADJ
fbem-18147	24	19	principles	principle	NOUN
fbem-18147	24	20	of	of	ADP
fbem-18147	24	21	banking	banking	NOUN
fbem-18147	24	22	and	and	CCONJ
fbem-18147	24	23	finance	finance	NOUN
fbem-18147	24	24	[	[	X
fbem-18147	24	25	3	3	NUM
fbem-18147	24	26	]	]	PUNCT
fbem-18147	24	27	.	.	PUNCT
fbem-18147	25	1	it	it	PRON
fbem-18147	25	2	questions	question	VERB
fbem-18147	25	3	the	the	DET
fbem-18147	25	4	future	future	NOUN
fbem-18147	25	5	of	of	ADP
fbem-18147	25	6	traditional	traditional	ADJ
fbem-18147	25	7	financial	financial	ADJ
fbem-18147	25	8	institutions	institution	NOUN
fbem-18147	25	9	in	in	ADP
fbem-18147	25	10	the	the	DET
fbem-18147	25	11	digital	digital	ADJ
fbem-18147	25	12	age	age	NOUN
fbem-18147	25	13	and	and	CCONJ
fbem-18147	25	14	emphasises	emphasise	VERB
fbem-18147	25	15	the	the	DET
fbem-18147	25	16	need	need	NOUN
fbem-18147	25	17	for	for	SCONJ
fbem-18147	25	18	these	these	DET
fbem-18147	25	19	entities	entity	NOUN
fbem-18147	25	20	to	to	PART
fbem-18147	25	21	adapt	adapt	VERB
fbem-18147	25	22	,	,	PUNCT
fbem-18147	25	23	innovate	innovate	VERB
fbem-18147	25	24	and	and	CCONJ
fbem-18147	25	25	transform	transform	VERB
fbem-18147	25	26	.	.	PUNCT
fbem-18147	26	1	the	the	DET
fbem-18147	26	2	relationship	relationship	NOUN
fbem-18147	26	3	between	between	ADP
fbem-18147	26	4	fintech	fintech	NOUN
fbem-18147	26	5	innovation	innovation	NOUN
fbem-18147	26	6	and	and	CCONJ
fbem-18147	26	7	traditional	traditional	ADJ
fbem-18147	26	8	financial	financial	ADJ
fbem-18147	26	9	institutions	institution	NOUN
fbem-18147	26	10	is	be	AUX
fbem-18147	26	11	therefore	therefore	ADV
fbem-18147	26	12	not	not	PART
fbem-18147	26	13	only	only	ADV
fbem-18147	26	14	one	one	NUM
fbem-18147	26	15	of	of	ADP
fbem-18147	26	16	competition	competition	NOUN
fbem-18147	26	17	,	,	PUNCT
fbem-18147	26	18	but	but	CCONJ
fbem-18147	26	19	also	also	ADV
fbem-18147	26	20	one	one	NUM
fbem-18147	26	21	of	of	ADP
fbem-18147	26	22	potential	potential	ADJ
fbem-18147	26	23	co	co	NOUN
fbem-18147	26	24	-	-	NOUN
fbem-18147	26	25	operation	operation	NOUN
fbem-18147	26	26	and	and	CCONJ
fbem-18147	26	27	integration	integration	NOUN
fbem-18147	26	28	.	.	PUNCT
fbem-18147	27	1	this	this	DET
fbem-18147	27	2	relationship	relationship	NOUN
fbem-18147	27	3	is	be	AUX
fbem-18147	27	4	crucial	crucial	ADJ
fbem-18147	27	5	for	for	ADP
fbem-18147	27	6	shaping	shape	VERB
fbem-18147	27	7	the	the	DET
fbem-18147	27	8	future	future	NOUN
fbem-18147	27	9	of	of	ADP
fbem-18147	27	10	financial	financial	ADJ
fbem-18147	27	11	services	service	NOUN
fbem-18147	27	12	and	and	CCONJ
fbem-18147	27	13	is	be	AUX
fbem-18147	27	14	characterised	characterise	VERB
fbem-18147	27	15	by	by	ADP
fbem-18147	27	16	a	a	DET
fbem-18147	27	17	harmonious	harmonious	ADJ
fbem-18147	27	18	blend	blend	NOUN
fbem-18147	27	19	of	of	ADP
fbem-18147	27	20	technology	technology	NOUN
fbem-18147	27	21	,	,	PUNCT
fbem-18147	27	22	innovation	innovation	NOUN
fbem-18147	27	23	and	and	CCONJ
fbem-18147	27	24	traditional	traditional	ADJ
fbem-18147	27	25	banking	banking	NOUN
fbem-18147	27	26	values	value	NOUN
fbem-18147	27	27	.	.	PUNCT
fbem-18147	28	1	29	29	NUM
fbem-18147	28	2	in	in	ADP
fbem-18147	28	3	this	this	DET
fbem-18147	28	4	context	context	NOUN
fbem-18147	28	5	,	,	PUNCT
fbem-18147	28	6	exploring	explore	VERB
fbem-18147	28	7	the	the	DET
fbem-18147	28	8	challenges	challenge	NOUN
fbem-18147	28	9	and	and	CCONJ
fbem-18147	28	10	opportunities	opportunity	NOUN
fbem-18147	28	11	that	that	PRON
fbem-18147	28	12	fintech	fintech	NOUN
fbem-18147	28	13	presents	present	VERB
fbem-18147	28	14	to	to	ADP
fbem-18147	28	15	traditional	traditional	ADJ
fbem-18147	28	16	financial	financial	ADJ
fbem-18147	28	17	institutions	institution	NOUN
fbem-18147	28	18	is	be	AUX
fbem-18147	28	19	not	not	PART
fbem-18147	28	20	just	just	ADV
fbem-18147	28	21	an	an	DET
fbem-18147	28	22	academic	academic	ADJ
fbem-18147	28	23	exercise	exercise	NOUN
fbem-18147	28	24	,	,	PUNCT
fbem-18147	28	25	but	but	CCONJ
fbem-18147	28	26	an	an	DET
fbem-18147	28	27	important	important	ADJ
fbem-18147	28	28	exploration	exploration	NOUN
fbem-18147	28	29	of	of	ADP
fbem-18147	28	30	the	the	DET
fbem-18147	28	31	future	future	NOUN
fbem-18147	28	32	of	of	ADP
fbem-18147	28	33	finance	finance	NOUN
fbem-18147	28	34	itself	itself	PRON
fbem-18147	28	35	.	.	PUNCT
fbem-18147	29	1	this	this	DET
fbem-18147	29	2	exploration	exploration	NOUN
fbem-18147	29	3	spans	span	VERB
fbem-18147	29	4	the	the	DET
fbem-18147	29	5	technological	technological	ADJ
fbem-18147	29	6	,	,	PUNCT
fbem-18147	29	7	operational	operational	ADJ
fbem-18147	29	8	,	,	PUNCT
fbem-18147	29	9	strategic	strategic	ADJ
fbem-18147	29	10	and	and	CCONJ
fbem-18147	29	11	regulatory	regulatory	ADJ
fbem-18147	29	12	dimensions	dimension	NOUN
fbem-18147	29	13	of	of	ADP
fbem-18147	29	14	the	the	DET
fbem-18147	29	15	banking	banking	NOUN
fbem-18147	29	16	and	and	CCONJ
fbem-18147	29	17	finance	finance	NOUN
fbem-18147	29	18	industry	industry	NOUN
fbem-18147	29	19	,	,	PUNCT
fbem-18147	29	20	and	and	CCONJ
fbem-18147	29	21	aims	aim	VERB
fbem-18147	29	22	to	to	PART
fbem-18147	29	23	shed	shed	VERB
fbem-18147	29	24	light	light	NOUN
fbem-18147	29	25	on	on	ADP
fbem-18147	29	26	the	the	DET
fbem-18147	29	27	ways	way	NOUN
fbem-18147	29	28	in	in	ADP
fbem-18147	29	29	which	which	PRON
fbem-18147	29	30	traditional	traditional	ADJ
fbem-18147	29	31	organisations	organisation	NOUN
fbem-18147	29	32	can	can	AUX
fbem-18147	29	33	navigate	navigate	VERB
fbem-18147	29	34	the	the	DET
fbem-18147	29	35	fintech	fintech	NOUN
fbem-18147	29	36	revolution	revolution	NOUN
fbem-18147	29	37	[	[	X
fbem-18147	29	38	4	4	NUM
fbem-18147	29	39	]	]	PUNCT
fbem-18147	29	40	.	.	PUNCT
fbem-18147	30	1	as	as	SCONJ
fbem-18147	30	2	we	we	PRON
fbem-18147	30	3	embarked	embark	VERB
fbem-18147	30	4	on	on	ADP
fbem-18147	30	5	our	our	PRON
fbem-18147	30	6	exploration	exploration	NOUN
fbem-18147	30	7	,	,	PUNCT
fbem-18147	30	8	it	it	PRON
fbem-18147	30	9	became	become	VERB
fbem-18147	30	10	clear	clear	ADJ
fbem-18147	30	11	that	that	SCONJ
fbem-18147	30	12	the	the	DET
fbem-18147	30	13	journey	journey	NOUN
fbem-18147	30	14	of	of	ADP
fbem-18147	30	15	traditional	traditional	ADJ
fbem-18147	30	16	financial	financial	ADJ
fbem-18147	30	17	institutions	institution	NOUN
fbem-18147	30	18	in	in	ADP
fbem-18147	30	19	the	the	DET
fbem-18147	30	20	fintech	fintech	NOUN
fbem-18147	30	21	space	space	NOUN
fbem-18147	30	22	has	have	AUX
fbem-18147	30	23	been	be	AUX
fbem-18147	30	24	one	one	NUM
fbem-18147	30	25	of	of	ADP
fbem-18147	30	26	transformation	transformation	NOUN
fbem-18147	30	27	,	,	PUNCT
fbem-18147	30	28	adaptation	adaptation	NOUN
fbem-18147	30	29	and	and	CCONJ
fbem-18147	30	30	renewal	renewal	NOUN
fbem-18147	30	31	.	.	PUNCT
fbem-18147	31	1	with	with	ADP
fbem-18147	31	2	the	the	DET
fbem-18147	31	3	synergy	synergy	NOUN
fbem-18147	31	4	of	of	ADP
fbem-18147	31	5	technological	technological	ADJ
fbem-18147	31	6	innovation	innovation	NOUN
fbem-18147	31	7	and	and	CCONJ
fbem-18147	31	8	traditional	traditional	ADJ
fbem-18147	31	9	banking	banking	NOUN
fbem-18147	31	10	wisdom	wisdom	NOUN
fbem-18147	31	11	,	,	PUNCT
fbem-18147	31	12	this	this	DET
fbem-18147	31	13	journey	journey	NOUN
fbem-18147	31	14	promises	promise	VERB
fbem-18147	31	15	to	to	PART
fbem-18147	31	16	create	create	VERB
fbem-18147	31	17	a	a	DET
fbem-18147	31	18	more	more	ADV
fbem-18147	31	19	inclusive	inclusive	ADJ
fbem-18147	31	20	,	,	PUNCT
fbem-18147	31	21	efficient	efficient	ADJ
fbem-18147	31	22	and	and	CCONJ
fbem-18147	31	23	resilient	resilient	ADJ
fbem-18147	31	24	financial	financial	ADJ
fbem-18147	31	25	system	system	NOUN
fbem-18147	31	26	.	.	PUNCT
fbem-18147	32	1	2	2	X
fbem-18147	32	2	.	.	X
fbem-18147	32	3	drivers	driver	NOUN
fbem-18147	32	4	of	of	ADP
fbem-18147	32	5	fintech	fintech	NOUN
fbem-18147	32	6	innovation	innovation	NOUN
fbem-18147	32	7	fintech	fintech	NOUN
fbem-18147	32	8	developments	development	NOUN
fbem-18147	32	9	represent	represent	VERB
fbem-18147	32	10	a	a	DET
fbem-18147	32	11	paradigm	paradigm	NOUN
fbem-18147	32	12	shift	shift	NOUN
fbem-18147	32	13	in	in	ADP
fbem-18147	32	14	the	the	DET
fbem-18147	32	15	way	way	NOUN
fbem-18147	32	16	financial	financial	ADJ
fbem-18147	32	17	services	service	NOUN
fbem-18147	32	18	are	be	AUX
fbem-18147	32	19	structured	structure	VERB
fbem-18147	32	20	,	,	PUNCT
fbem-18147	32	21	delivered	deliver	VERB
fbem-18147	32	22	and	and	CCONJ
fbem-18147	32	23	consumed	consume	VERB
fbem-18147	32	24	.	.	PUNCT
fbem-18147	33	1	this	this	DET
fbem-18147	33	2	wave	wave	NOUN
fbem-18147	33	3	of	of	ADP
fbem-18147	33	4	change	change	NOUN
fbem-18147	33	5	is	be	AUX
fbem-18147	33	6	driven	drive	VERB
fbem-18147	33	7	by	by	ADP
fbem-18147	33	8	a	a	DET
fbem-18147	33	9	combination	combination	NOUN
fbem-18147	33	10	of	of	ADP
fbem-18147	33	11	factors	factor	NOUN
fbem-18147	33	12	,	,	PUNCT
fbem-18147	33	13	each	each	PRON
fbem-18147	33	14	interacting	interact	VERB
fbem-18147	33	15	with	with	ADP
fbem-18147	33	16	each	each	DET
fbem-18147	33	17	other	other	ADJ
fbem-18147	33	18	to	to	PART
fbem-18147	33	19	accelerate	accelerate	VERB
fbem-18147	33	20	the	the	DET
fbem-18147	33	21	pace	pace	NOUN
fbem-18147	33	22	of	of	ADP
fbem-18147	33	23	financial	financial	ADJ
fbem-18147	33	24	innovation	innovation	NOUN
fbem-18147	33	25	,	,	PUNCT
fbem-18147	33	26	challenging	challenge	VERB
fbem-18147	33	27	the	the	DET
fbem-18147	33	28	ability	ability	NOUN
fbem-18147	33	29	of	of	ADP
fbem-18147	33	30	traditional	traditional	ADJ
fbem-18147	33	31	financial	financial	ADJ
fbem-18147	33	32	institutions	institution	NOUN
fbem-18147	33	33	to	to	PART
fbem-18147	33	34	adapt	adapt	VERB
fbem-18147	33	35	,	,	PUNCT
fbem-18147	33	36	while	while	SCONJ
fbem-18147	33	37	at	at	ADP
fbem-18147	33	38	the	the	DET
fbem-18147	33	39	same	same	ADJ
fbem-18147	33	40	time	time	NOUN
fbem-18147	33	41	presenting	present	VERB
fbem-18147	33	42	them	they	PRON
fbem-18147	33	43	with	with	ADP
fbem-18147	33	44	unprecedented	unprecedented	ADJ
fbem-18147	33	45	opportunities	opportunity	NOUN
fbem-18147	33	46	.	.	PUNCT
fbem-18147	34	1	at	at	ADP
fbem-18147	34	2	the	the	DET
fbem-18147	34	3	heart	heart	NOUN
fbem-18147	34	4	of	of	ADP
fbem-18147	34	5	fintech	fintech	NOUN
fbem-18147	34	6	innovation	innovation	NOUN
fbem-18147	34	7	is	be	AUX
fbem-18147	34	8	the	the	DET
fbem-18147	34	9	rapid	rapid	ADJ
fbem-18147	34	10	development	development	NOUN
fbem-18147	34	11	of	of	ADP
fbem-18147	34	12	technology	technology	NOUN
fbem-18147	34	13	.	.	PUNCT
fbem-18147	35	1	the	the	DET
fbem-18147	35	2	spread	spread	NOUN
fbem-18147	35	3	of	of	ADP
fbem-18147	35	4	high	high	ADJ
fbem-18147	35	5	-	-	PUNCT
fbem-18147	35	6	speed	speed	NOUN
fbem-18147	35	7	internet	internet	NOUN
fbem-18147	35	8	and	and	CCONJ
fbem-18147	35	9	the	the	DET
fbem-18147	35	10	proliferation	proliferation	NOUN
fbem-18147	35	11	of	of	ADP
fbem-18147	35	12	smartphones	smartphone	NOUN
fbem-18147	35	13	have	have	AUX
fbem-18147	35	14	enabled	enable	VERB
fbem-18147	35	15	the	the	DET
fbem-18147	35	16	gentrification	gentrification	NOUN
fbem-18147	35	17	of	of	ADP
fbem-18147	35	18	financial	financial	ADJ
fbem-18147	35	19	services	service	NOUN
fbem-18147	35	20	,	,	PUNCT
fbem-18147	35	21	making	make	VERB
fbem-18147	35	22	them	they	PRON
fbem-18147	35	23	accessible	accessible	ADJ
fbem-18147	35	24	to	to	ADP
fbem-18147	35	25	more	more	ADJ
fbem-18147	35	26	people	people	NOUN
fbem-18147	35	27	than	than	ADP
fbem-18147	35	28	ever	ever	ADV
fbem-18147	35	29	before	before	ADV
fbem-18147	35	30	.	.	PUNCT
fbem-18147	36	1	technologies	technology	NOUN
fbem-18147	36	2	such	such	ADJ
fbem-18147	36	3	as	as	ADP
fbem-18147	36	4	artificial	artificial	ADJ
fbem-18147	36	5	intelligence	intelligence	NOUN
fbem-18147	36	6	(	(	PUNCT
fbem-18147	36	7	ai	ai	NOUN
fbem-18147	36	8	)	)	PUNCT
fbem-18147	36	9	and	and	CCONJ
fbem-18147	36	10	machine	machine	NOUN
fbem-18147	36	11	learning	learning	NOUN
fbem-18147	36	12	(	(	PUNCT
fbem-18147	36	13	ml	ml	NOUN
fbem-18147	36	14	)	)	PUNCT
fbem-18147	36	15	are	be	AUX
fbem-18147	36	16	redefining	redefine	VERB
fbem-18147	36	17	the	the	DET
fbem-18147	36	18	customer	customer	NOUN
fbem-18147	36	19	experience	experience	NOUN
fbem-18147	36	20	,	,	PUNCT
fbem-18147	36	21	delivering	deliver	VERB
fbem-18147	36	22	personalised	personalised	ADJ
fbem-18147	36	23	financial	financial	ADJ
fbem-18147	36	24	advice	advice	NOUN
fbem-18147	36	25	and	and	CCONJ
fbem-18147	36	26	automating	automating	NOUN
fbem-18147	36	27	processes	process	NOUN
fbem-18147	36	28	that	that	PRON
fbem-18147	36	29	have	have	AUX
fbem-18147	36	30	traditionally	traditionally	ADV
fbem-18147	36	31	been	be	AUX
fbem-18147	36	32	manual	manual	ADJ
fbem-18147	36	33	and	and	CCONJ
fbem-18147	36	34	time	time	NOUN
fbem-18147	36	35	-	-	PUNCT
fbem-18147	36	36	consuming	consume	VERB
fbem-18147	36	37	[	[	X
fbem-18147	36	38	5	5	NUM
fbem-18147	36	39	]	]	PUNCT
fbem-18147	36	40	.	.	PUNCT
fbem-18147	37	1	blockchain	blockchain	PROPN
fbem-18147	37	2	technology	technology	PROPN
fbem-18147	37	3	promises	promise	VERB
fbem-18147	37	4	secure	secure	ADJ
fbem-18147	37	5	,	,	PUNCT
fbem-18147	37	6	transparent	transparent	ADJ
fbem-18147	37	7	and	and	CCONJ
fbem-18147	37	8	decentralised	decentralised	ADJ
fbem-18147	37	9	transactions	transaction	NOUN
fbem-18147	37	10	and	and	CCONJ
fbem-18147	37	11	is	be	AUX
fbem-18147	37	12	opening	open	VERB
fbem-18147	37	13	up	up	ADP
fbem-18147	37	14	new	new	ADJ
fbem-18147	37	15	avenues	avenue	NOUN
fbem-18147	37	16	for	for	ADP
fbem-18147	37	17	payments	payment	NOUN
fbem-18147	37	18	,	,	PUNCT
fbem-18147	37	19	remittances	remittance	NOUN
fbem-18147	37	20	and	and	CCONJ
fbem-18147	37	21	identity	identity	NOUN
fbem-18147	37	22	verification	verification	NOUN
fbem-18147	37	23	.	.	PUNCT
fbem-18147	38	1	in	in	ADP
fbem-18147	38	2	addition	addition	NOUN
fbem-18147	38	3	,	,	PUNCT
fbem-18147	38	4	cloud	cloud	NOUN
fbem-18147	38	5	computing	computing	NOUN
fbem-18147	38	6	has	have	AUX
fbem-18147	38	7	become	become	VERB
fbem-18147	38	8	a	a	DET
fbem-18147	38	9	cornerstone	cornerstone	NOUN
fbem-18147	38	10	of	of	ADP
fbem-18147	38	11	fintech	fintech	NOUN
fbem-18147	38	12	,	,	PUNCT
fbem-18147	38	13	providing	provide	VERB
fbem-18147	38	14	scalable	scalable	ADJ
fbem-18147	38	15	infrastructure	infrastructure	NOUN
fbem-18147	38	16	solutions	solution	NOUN
fbem-18147	38	17	that	that	PRON
fbem-18147	38	18	enable	enable	VERB
fbem-18147	38	19	startups	startup	NOUN
fbem-18147	38	20	to	to	PART
fbem-18147	38	21	compete	compete	VERB
fbem-18147	38	22	with	with	ADP
fbem-18147	38	23	established	establish	VERB
fbem-18147	38	24	players	player	NOUN
fbem-18147	38	25	without	without	ADP
fbem-18147	38	26	the	the	DET
fbem-18147	38	27	burden	burden	NOUN
fbem-18147	38	28	of	of	ADP
fbem-18147	38	29	heavy	heavy	ADJ
fbem-18147	38	30	capital	capital	NOUN
fbem-18147	38	31	investment	investment	NOUN
fbem-18147	38	32	.	.	PUNCT
fbem-18147	39	1	changing	change	VERB
fbem-18147	39	2	consumer	consumer	NOUN
fbem-18147	39	3	expectations	expectation	NOUN
fbem-18147	39	4	play	play	VERB
fbem-18147	39	5	an	an	DET
fbem-18147	39	6	equally	equally	ADV
fbem-18147	39	7	critical	critical	ADJ
fbem-18147	39	8	role	role	NOUN
fbem-18147	39	9	in	in	ADP
fbem-18147	39	10	driving	drive	VERB
fbem-18147	39	11	fintech	fintech	NOUN
fbem-18147	39	12	innovation	innovation	NOUN
fbem-18147	39	13	.	.	PUNCT
fbem-18147	40	1	consumers	consumer	NOUN
fbem-18147	40	2	today	today	NOUN
fbem-18147	40	3	are	be	AUX
fbem-18147	40	4	accustomed	accustomed	ADJ
fbem-18147	40	5	to	to	ADP
fbem-18147	40	6	the	the	DET
fbem-18147	40	7	immediacy	immediacy	NOUN
fbem-18147	40	8	and	and	CCONJ
fbem-18147	40	9	convenience	convenience	NOUN
fbem-18147	40	10	that	that	PRON
fbem-18147	40	11	digital	digital	ADJ
fbem-18147	40	12	platforms	platform	NOUN
fbem-18147	40	13	offer	offer	VERB
fbem-18147	40	14	in	in	ADP
fbem-18147	40	15	other	other	ADJ
fbem-18147	40	16	areas	area	NOUN
fbem-18147	40	17	of	of	ADP
fbem-18147	40	18	their	their	PRON
fbem-18147	40	19	lives	life	NOUN
fbem-18147	40	20	,	,	PUNCT
fbem-18147	40	21	and	and	CCONJ
fbem-18147	40	22	they	they	PRON
fbem-18147	40	23	expect	expect	VERB
fbem-18147	40	24	the	the	DET
fbem-18147	40	25	same	same	ADJ
fbem-18147	40	26	from	from	ADP
fbem-18147	40	27	financial	financial	ADJ
fbem-18147	40	28	services	service	NOUN
fbem-18147	40	29	.	.	PUNCT
fbem-18147	41	1	they	they	PRON
fbem-18147	41	2	demand	demand	VERB
fbem-18147	41	3	24/7	24/7	NOUN
fbem-18147	41	4	access	access	NOUN
fbem-18147	41	5	to	to	ADP
fbem-18147	41	6	their	their	PRON
fbem-18147	41	7	financial	financial	ADJ
fbem-18147	41	8	data	datum	NOUN
fbem-18147	41	9	,	,	PUNCT
fbem-18147	41	10	instant	instant	NOUN
fbem-18147	41	11	transactions	transaction	NOUN
fbem-18147	41	12	,	,	PUNCT
fbem-18147	41	13	and	and	CCONJ
fbem-18147	41	14	personalised	personalised	ADJ
fbem-18147	41	15	services	service	NOUN
fbem-18147	41	16	that	that	PRON
fbem-18147	41	17	match	match	VERB
fbem-18147	41	18	their	their	PRON
fbem-18147	41	19	specific	specific	ADJ
fbem-18147	41	20	needs	need	NOUN
fbem-18147	41	21	and	and	CCONJ
fbem-18147	41	22	lifestyles	lifestyle	NOUN
fbem-18147	41	23	[	[	X
fbem-18147	41	24	6	6	NUM
fbem-18147	41	25	]	]	PUNCT
fbem-18147	41	26	.	.	PUNCT
fbem-18147	42	1	covid-19	covid-19	PROPN
fbem-18147	42	2	the	the	DET
fbem-18147	42	3	shift	shift	NOUN
fbem-18147	42	4	to	to	ADP
fbem-18147	42	5	digital	digital	ADJ
fbem-18147	42	6	-	-	PUNCT
fbem-18147	42	7	first	first	ADJ
fbem-18147	42	8	interactions	interaction	NOUN
fbem-18147	42	9	has	have	AUX
fbem-18147	42	10	been	be	AUX
fbem-18147	42	11	further	far	ADV
fbem-18147	42	12	accelerated	accelerate	VERB
fbem-18147	42	13	by	by	ADP
fbem-18147	42	14	the	the	DET
fbem-18147	42	15	pandemic	pandemic	NOUN
fbem-18147	42	16	,	,	PUNCT
fbem-18147	42	17	which	which	PRON
fbem-18147	42	18	has	have	AUX
fbem-18147	42	19	led	lead	VERB
fbem-18147	42	20	to	to	ADP
fbem-18147	42	21	a	a	DET
fbem-18147	42	22	surge	surge	NOUN
fbem-18147	42	23	in	in	ADP
fbem-18147	42	24	online	online	ADJ
fbem-18147	42	25	banking	banking	NOUN
fbem-18147	42	26	activity	activity	NOUN
fbem-18147	42	27	and	and	CCONJ
fbem-18147	42	28	contactless	contactless	NOUN
fbem-18147	42	29	payments	payment	NOUN
fbem-18147	42	30	,	,	PUNCT
fbem-18147	42	31	highlighting	highlight	VERB
fbem-18147	42	32	the	the	DET
fbem-18147	42	33	need	need	NOUN
fbem-18147	42	34	for	for	ADP
fbem-18147	42	35	traditional	traditional	ADJ
fbem-18147	42	36	financial	financial	ADJ
fbem-18147	42	37	institutions	institution	NOUN
fbem-18147	42	38	to	to	PART
fbem-18147	42	39	innovate	innovate	VERB
fbem-18147	42	40	quickly	quickly	ADV
fbem-18147	42	41	to	to	PART
fbem-18147	42	42	meet	meet	VERB
fbem-18147	42	43	these	these	DET
fbem-18147	42	44	evolving	evolve	VERB
fbem-18147	42	45	needs	need	NOUN
fbem-18147	42	46	.	.	PUNCT
fbem-18147	43	1	regulatory	regulatory	ADJ
fbem-18147	43	2	changes	change	NOUN
fbem-18147	43	3	are	be	AUX
fbem-18147	43	4	also	also	ADV
fbem-18147	43	5	largely	largely	ADV
fbem-18147	43	6	influencing	influence	VERB
fbem-18147	43	7	the	the	DET
fbem-18147	43	8	trajectory	trajectory	NOUN
fbem-18147	43	9	of	of	ADP
fbem-18147	43	10	fintech	fintech	NOUN
fbem-18147	43	11	innovation	innovation	NOUN
fbem-18147	43	12	.	.	PUNCT
fbem-18147	44	1	governments	government	NOUN
fbem-18147	44	2	and	and	CCONJ
fbem-18147	44	3	regulators	regulator	NOUN
fbem-18147	44	4	around	around	ADP
fbem-18147	44	5	the	the	DET
fbem-18147	44	6	world	world	NOUN
fbem-18147	44	7	are	be	AUX
fbem-18147	44	8	recognising	recognise	VERB
fbem-18147	44	9	the	the	DET
fbem-18147	44	10	potential	potential	NOUN
fbem-18147	44	11	of	of	ADP
fbem-18147	44	12	fintechs	fintech	NOUN
fbem-18147	44	13	to	to	PART
fbem-18147	44	14	increase	increase	VERB
fbem-18147	44	15	financial	financial	ADJ
fbem-18147	44	16	inclusion	inclusion	NOUN
fbem-18147	44	17	and	and	CCONJ
fbem-18147	44	18	are	be	AUX
fbem-18147	44	19	therefore	therefore	ADV
fbem-18147	44	20	adapting	adapt	VERB
fbem-18147	44	21	their	their	PRON
fbem-18147	44	22	frameworks	framework	NOUN
fbem-18147	44	23	to	to	PART
fbem-18147	44	24	create	create	VERB
fbem-18147	44	25	an	an	DET
fbem-18147	44	26	environment	environment	NOUN
fbem-18147	44	27	conducive	conducive	ADJ
fbem-18147	44	28	to	to	ADP
fbem-18147	44	29	innovation	innovation	NOUN
fbem-18147	44	30	.	.	PUNCT
fbem-18147	45	1	for	for	ADP
fbem-18147	45	2	example	example	NOUN
fbem-18147	45	3	,	,	PUNCT
fbem-18147	45	4	regulatory	regulatory	ADJ
fbem-18147	45	5	sandboxes	sandbox	NOUN
fbem-18147	45	6	allow	allow	VERB
fbem-18147	45	7	fintech	fintech	NOUN
fbem-18147	45	8	startups	startup	NOUN
fbem-18147	45	9	to	to	PART
fbem-18147	45	10	test	test	VERB
fbem-18147	45	11	their	their	PRON
fbem-18147	45	12	ideas	idea	NOUN
fbem-18147	45	13	and	and	CCONJ
fbem-18147	45	14	solutions	solution	NOUN
fbem-18147	45	15	in	in	ADP
fbem-18147	45	16	a	a	DET
fbem-18147	45	17	controlled	control	VERB
fbem-18147	45	18	environment	environment	NOUN
fbem-18147	45	19	without	without	ADP
fbem-18147	45	20	the	the	DET
fbem-18147	45	21	immediate	immediate	ADJ
fbem-18147	45	22	burden	burden	NOUN
fbem-18147	45	23	of	of	ADP
fbem-18147	45	24	full	full	ADJ
fbem-18147	45	25	regulatory	regulatory	ADJ
fbem-18147	45	26	compliance	compliance	NOUN
fbem-18147	45	27	[	[	X
fbem-18147	45	28	7	7	NUM
fbem-18147	45	29	]	]	PUNCT
fbem-18147	45	30	.	.	PUNCT
fbem-18147	46	1	initiatives	initiative	NOUN
fbem-18147	46	2	such	such	ADJ
fbem-18147	46	3	as	as	ADP
fbem-18147	46	4	open	open	ADJ
fbem-18147	46	5	banking	banking	NOUN
fbem-18147	46	6	,	,	PUNCT
fbem-18147	46	7	which	which	PRON
fbem-18147	46	8	requires	require	VERB
fbem-18147	46	9	financial	financial	ADJ
fbem-18147	46	10	institutions	institution	NOUN
fbem-18147	46	11	to	to	PART
fbem-18147	46	12	share	share	VERB
fbem-18147	46	13	customer	customer	NOUN
fbem-18147	46	14	data	datum	NOUN
fbem-18147	46	15	with	with	ADP
fbem-18147	46	16	third	third	ADJ
fbem-18147	46	17	-	-	PUNCT
fbem-18147	46	18	party	party	NOUN
fbem-18147	46	19	vendors	vendor	NOUN
fbem-18147	46	20	(	(	PUNCT
fbem-18147	46	21	with	with	ADP
fbem-18147	46	22	the	the	DET
fbem-18147	46	23	customer	customer	NOUN
fbem-18147	46	24	's	's	PART
fbem-18147	46	25	consent	consent	NOUN
fbem-18147	46	26	)	)	PUNCT
fbem-18147	46	27	,	,	PUNCT
fbem-18147	46	28	promote	promote	VERB
fbem-18147	46	29	competition	competition	NOUN
fbem-18147	46	30	and	and	CCONJ
fbem-18147	46	31	co	co	NOUN
fbem-18147	46	32	-	-	NOUN
fbem-18147	46	33	operation	operation	NOUN
fbem-18147	46	34	between	between	ADP
fbem-18147	46	35	banks	bank	NOUN
fbem-18147	46	36	and	and	CCONJ
fbem-18147	46	37	fintechs	fintech	NOUN
fbem-18147	46	38	.	.	PUNCT
fbem-18147	47	1	conversely	conversely	ADV
fbem-18147	47	2	,	,	PUNCT
fbem-18147	47	3	stringent	stringent	ADJ
fbem-18147	47	4	data	data	NOUN
fbem-18147	47	5	protection	protection	NOUN
fbem-18147	47	6	laws	law	NOUN
fbem-18147	47	7	,	,	PUNCT
fbem-18147	47	8	such	such	ADJ
fbem-18147	47	9	as	as	ADP
fbem-18147	47	10	the	the	DET
fbem-18147	47	11	eu	eu	PROPN
fbem-18147	47	12	's	's	PART
fbem-18147	47	13	general	general	ADJ
fbem-18147	47	14	data	datum	NOUN
fbem-18147	47	15	protection	protection	NOUN
fbem-18147	47	16	regulation	regulation	NOUN
fbem-18147	47	17	(	(	PUNCT
fbem-18147	47	18	gdpr	gdpr	NOUN
fbem-18147	47	19	)	)	PUNCT
fbem-18147	47	20	,	,	PUNCT
fbem-18147	47	21	ensure	ensure	VERB
fbem-18147	47	22	that	that	SCONJ
fbem-18147	47	23	innovation	innovation	NOUN
fbem-18147	47	24	does	do	AUX
fbem-18147	47	25	not	not	PART
fbem-18147	47	26	come	come	VERB
fbem-18147	47	27	at	at	ADP
fbem-18147	47	28	the	the	DET
fbem-18147	47	29	expense	expense	NOUN
fbem-18147	47	30	of	of	ADP
fbem-18147	47	31	consumer	consumer	NOUN
fbem-18147	47	32	privacy	privacy	NOUN
fbem-18147	47	33	and	and	CCONJ
fbem-18147	47	34	security	security	NOUN
fbem-18147	47	35	,	,	PUNCT
fbem-18147	47	36	driving	drive	VERB
fbem-18147	47	37	fintech	fintech	NOUN
fbem-18147	47	38	companies	company	NOUN
fbem-18147	47	39	to	to	PART
fbem-18147	47	40	prioritise	prioritise	VERB
fbem-18147	47	41	data	data	NOUN
fbem-18147	47	42	protection	protection	NOUN
fbem-18147	47	43	during	during	ADP
fbem-18147	47	44	product	product	NOUN
fbem-18147	47	45	development	development	NOUN
fbem-18147	47	46	.	.	PUNCT
fbem-18147	48	1	technological	technological	ADJ
fbem-18147	48	2	advances	advance	NOUN
fbem-18147	48	3	,	,	PUNCT
fbem-18147	48	4	changing	change	VERB
fbem-18147	48	5	consumer	consumer	NOUN
fbem-18147	48	6	expectations	expectation	NOUN
fbem-18147	48	7	and	and	CCONJ
fbem-18147	48	8	an	an	DET
fbem-18147	48	9	evolving	evolve	VERB
fbem-18147	48	10	regulatory	regulatory	ADJ
fbem-18147	48	11	environment	environment	NOUN
fbem-18147	48	12	have	have	AUX
fbem-18147	48	13	combined	combine	VERB
fbem-18147	48	14	to	to	PART
fbem-18147	48	15	create	create	VERB
fbem-18147	48	16	a	a	DET
fbem-18147	48	17	dynamic	dynamic	ADJ
fbem-18147	48	18	environment	environment	NOUN
fbem-18147	48	19	in	in	ADP
fbem-18147	48	20	which	which	PRON
fbem-18147	48	21	traditional	traditional	ADJ
fbem-18147	48	22	financial	financial	ADJ
fbem-18147	48	23	institutions	institution	NOUN
fbem-18147	48	24	face	face	VERB
fbem-18147	48	25	significant	significant	ADJ
fbem-18147	48	26	challenges	challenge	NOUN
fbem-18147	48	27	.	.	PUNCT
fbem-18147	49	1	these	these	DET
fbem-18147	49	2	challenges	challenge	NOUN
fbem-18147	49	3	include	include	VERB
fbem-18147	49	4	the	the	DET
fbem-18147	49	5	need	need	NOUN
fbem-18147	49	6	to	to	PART
fbem-18147	49	7	digitise	digitise	VERB
fbem-18147	49	8	operations	operation	NOUN
fbem-18147	49	9	,	,	PUNCT
fbem-18147	49	10	protect	protect	VERB
fbem-18147	49	11	against	against	ADP
fbem-18147	49	12	cybersecurity	cybersecurity	NOUN
fbem-18147	49	13	threats	threat	NOUN
fbem-18147	49	14	,	,	PUNCT
fbem-18147	49	15	and	and	CCONJ
fbem-18147	49	16	continually	continually	ADV
fbem-18147	49	17	innovate	innovate	VERB
fbem-18147	49	18	to	to	PART
fbem-18147	49	19	retain	retain	VERB
fbem-18147	49	20	market	market	NOUN
fbem-18147	49	21	share	share	NOUN
fbem-18147	49	22	in	in	ADP
fbem-18147	49	23	the	the	DET
fbem-18147	49	24	face	face	NOUN
fbem-18147	49	25	of	of	ADP
fbem-18147	49	26	nimble	nimble	ADJ
fbem-18147	49	27	fintech	fintech	NOUN
fbem-18147	49	28	competitors	competitor	NOUN
fbem-18147	49	29	.	.	PUNCT
fbem-18147	50	1	however	however	ADV
fbem-18147	50	2	,	,	PUNCT
fbem-18147	50	3	alongside	alongside	ADP
fbem-18147	50	4	these	these	DET
fbem-18147	50	5	challenges	challenge	NOUN
fbem-18147	50	6	,	,	PUNCT
fbem-18147	50	7	there	there	PRON
fbem-18147	50	8	are	be	VERB
fbem-18147	50	9	also	also	ADV
fbem-18147	50	10	opportunities	opportunity	NOUN
fbem-18147	50	11	to	to	PART
fbem-18147	50	12	utilise	utilise	VERB
fbem-18147	50	13	new	new	ADJ
fbem-18147	50	14	technologies	technology	NOUN
fbem-18147	50	15	to	to	PART
fbem-18147	50	16	improve	improve	VERB
fbem-18147	50	17	service	service	NOUN
fbem-18147	50	18	delivery	delivery	NOUN
fbem-18147	50	19	,	,	PUNCT
fbem-18147	50	20	enhance	enhance	VERB
fbem-18147	50	21	the	the	DET
fbem-18147	50	22	customer	customer	NOUN
fbem-18147	50	23	experience	experience	NOUN
fbem-18147	50	24	and	and	CCONJ
fbem-18147	50	25	enter	enter	VERB
fbem-18147	50	26	new	new	ADJ
fbem-18147	50	27	markets	market	NOUN
fbem-18147	50	28	through	through	ADP
fbem-18147	50	29	strategic	strategic	ADJ
fbem-18147	50	30	partnerships	partnership	NOUN
fbem-18147	50	31	with	with	ADP
fbem-18147	50	32	fintechs	fintech	NOUN
fbem-18147	50	33	.	.	PUNCT
fbem-18147	51	1	in	in	ADP
fbem-18147	51	2	short	short	ADJ
fbem-18147	51	3	,	,	PUNCT
fbem-18147	51	4	the	the	DET
fbem-18147	51	5	forces	force	NOUN
fbem-18147	51	6	driving	drive	VERB
fbem-18147	51	7	fintech	fintech	NOUN
fbem-18147	51	8	innovation	innovation	NOUN
fbem-18147	51	9	are	be	AUX
fbem-18147	51	10	reshaping	reshape	VERB
fbem-18147	51	11	the	the	DET
fbem-18147	51	12	financial	financial	ADJ
fbem-18147	51	13	services	service	NOUN
fbem-18147	51	14	industry	industry	NOUN
fbem-18147	51	15	,	,	PUNCT
fbem-18147	51	16	forcing	force	VERB
fbem-18147	51	17	traditional	traditional	ADJ
fbem-18147	51	18	financial	financial	ADJ
fbem-18147	51	19	institutions	institution	NOUN
fbem-18147	51	20	to	to	PART
fbem-18147	51	21	rethink	rethink	VERB
fbem-18147	51	22	their	their	PRON
fbem-18147	51	23	strategies	strategy	NOUN
fbem-18147	51	24	and	and	CCONJ
fbem-18147	51	25	operations	operation	NOUN
fbem-18147	51	26	.	.	PUNCT
fbem-18147	52	1	while	while	SCONJ
fbem-18147	52	2	the	the	DET
fbem-18147	52	3	road	road	NOUN
fbem-18147	52	4	ahead	ahead	ADV
fbem-18147	52	5	is	be	AUX
fbem-18147	52	6	full	full	ADJ
fbem-18147	52	7	of	of	ADP
fbem-18147	52	8	challenges	challenge	NOUN
fbem-18147	52	9	,	,	PUNCT
fbem-18147	52	10	it	it	PRON
fbem-18147	52	11	is	be	AUX
fbem-18147	52	12	also	also	ADV
fbem-18147	52	13	an	an	DET
fbem-18147	52	14	environment	environment	NOUN
fbem-18147	52	15	of	of	ADP
fbem-18147	52	16	opportunity	opportunity	NOUN
fbem-18147	52	17	for	for	SCONJ
fbem-18147	52	18	those	those	DET
fbem-18147	52	19	organisations	organisation	NOUN
fbem-18147	52	20	willing	willing	ADJ
fbem-18147	52	21	to	to	PART
fbem-18147	52	22	embrace	embrace	VERB
fbem-18147	52	23	change	change	NOUN
fbem-18147	52	24	and	and	CCONJ
fbem-18147	52	25	innovation	innovation	NOUN
fbem-18147	52	26	[	[	X
fbem-18147	52	27	8	8	NUM
fbem-18147	52	28	]	]	PUNCT
fbem-18147	52	29	.	.	PUNCT
fbem-18147	53	1	the	the	DET
fbem-18147	53	2	future	future	NOUN
fbem-18147	53	3	of	of	ADP
fbem-18147	53	4	the	the	DET
fbem-18147	53	5	financial	financial	ADJ
fbem-18147	53	6	industry	industry	NOUN
fbem-18147	53	7	is	be	AUX
fbem-18147	53	8	not	not	PART
fbem-18147	53	9	fintech	fintech	NOUN
fbem-18147	53	10	versus	versus	ADP
fbem-18147	53	11	traditional	traditional	ADJ
fbem-18147	53	12	banking	banking	NOUN
fbem-18147	53	13	,	,	PUNCT
fbem-18147	53	14	but	but	CCONJ
fbem-18147	53	15	rather	rather	ADV
fbem-18147	53	16	leveraging	leverage	VERB
fbem-18147	53	17	the	the	DET
fbem-18147	53	18	strengths	strength	NOUN
fbem-18147	53	19	of	of	ADP
fbem-18147	53	20	both	both	PRON
fbem-18147	53	21	to	to	PART
fbem-18147	53	22	deliver	deliver	VERB
fbem-18147	53	23	superior	superior	ADJ
fbem-18147	53	24	value	value	NOUN
fbem-18147	53	25	to	to	ADP
fbem-18147	53	26	consumers	consumer	NOUN
fbem-18147	53	27	in	in	ADP
fbem-18147	53	28	an	an	DET
fbem-18147	53	29	increasingly	increasingly	ADV
fbem-18147	53	30	digitalised	digitalised	ADJ
fbem-18147	53	31	world	world	NOUN
fbem-18147	53	32	.	.	PUNCT
fbem-18147	54	1	3	3	X
fbem-18147	54	2	.	.	X
fbem-18147	54	3	challenges	challenge	NOUN
fbem-18147	54	4	for	for	ADP
fbem-18147	54	5	traditional	traditional	ADJ
fbem-18147	54	6	financial	financial	ADJ
fbem-18147	54	7	institutions	institution	NOUN
fbem-18147	54	8	the	the	DET
fbem-18147	54	9	financial	financial	ADJ
fbem-18147	54	10	services	service	NOUN
fbem-18147	54	11	landscape	landscape	NOUN
fbem-18147	54	12	is	be	AUX
fbem-18147	54	13	undergoing	undergo	VERB
fbem-18147	54	14	a	a	DET
fbem-18147	54	15	profound	profound	ADJ
fbem-18147	54	16	transformation	transformation	NOUN
fbem-18147	54	17	,	,	PUNCT
fbem-18147	54	18	driven	drive	VERB
fbem-18147	54	19	relentlessly	relentlessly	ADV
fbem-18147	54	20	by	by	ADP
fbem-18147	54	21	technological	technological	ADJ
fbem-18147	54	22	innovation	innovation	NOUN
fbem-18147	54	23	.	.	PUNCT
fbem-18147	55	1	traditional	traditional	ADJ
fbem-18147	55	2	financial	financial	ADJ
fbem-18147	55	3	institutions	institution	NOUN
fbem-18147	55	4	,	,	PUNCT
fbem-18147	55	5	which	which	PRON
fbem-18147	55	6	have	have	AUX
fbem-18147	55	7	long	long	ADV
fbem-18147	55	8	been	be	AUX
fbem-18147	55	9	the	the	DET
fbem-18147	55	10	cornerstone	cornerstone	NOUN
fbem-18147	55	11	of	of	ADP
fbem-18147	55	12	the	the	DET
fbem-18147	55	13	global	global	ADJ
fbem-18147	55	14	financial	financial	ADJ
fbem-18147	55	15	system	system	NOUN
fbem-18147	55	16	,	,	PUNCT
fbem-18147	55	17	now	now	ADV
fbem-18147	55	18	face	face	VERB
fbem-18147	55	19	a	a	DET
fbem-18147	55	20	series	series	NOUN
fbem-18147	55	21	of	of	ADP
fbem-18147	55	22	challenges	challenge	NOUN
fbem-18147	55	23	that	that	PRON
fbem-18147	55	24	threaten	threaten	VERB
fbem-18147	55	25	to	to	PART
fbem-18147	55	26	disrupt	disrupt	VERB
fbem-18147	55	27	their	their	PRON
fbem-18147	55	28	established	establish	VERB
fbem-18147	55	29	business	business	NOUN
fbem-18147	55	30	models	model	NOUN
fbem-18147	55	31	and	and	CCONJ
fbem-18147	55	32	erode	erode	VERB
fbem-18147	55	33	their	their	PRON
fbem-18147	55	34	market	market	NOUN
fbem-18147	55	35	share	share	NOUN
fbem-18147	55	36	.	.	PUNCT
fbem-18147	56	1	these	these	DET
fbem-18147	56	2	challenges	challenge	NOUN
fbem-18147	56	3	are	be	AUX
fbem-18147	56	4	multifaceted	multifaceted	ADJ
fbem-18147	56	5	,	,	PUNCT
fbem-18147	56	6	stemming	stem	VERB
fbem-18147	56	7	from	from	ADP
fbem-18147	56	8	the	the	DET
fbem-18147	56	9	rise	rise	NOUN
fbem-18147	56	10	of	of	ADP
fbem-18147	56	11	fintech	fintech	NOUN
fbem-18147	56	12	startups	startup	NOUN
fbem-18147	56	13	,	,	PUNCT
fbem-18147	56	14	changing	change	VERB
fbem-18147	56	15	consumer	consumer	NOUN
fbem-18147	56	16	expectations	expectation	NOUN
fbem-18147	56	17	,	,	PUNCT
fbem-18147	56	18	regulatory	regulatory	ADJ
fbem-18147	56	19	pressures	pressure	NOUN
fbem-18147	56	20	,	,	PUNCT
fbem-18147	56	21	and	and	CCONJ
fbem-18147	56	22	the	the	DET
fbem-18147	56	23	need	need	NOUN
fbem-18147	56	24	for	for	ADP
fbem-18147	56	25	digital	digital	ADJ
fbem-18147	56	26	transformation	transformation	NOUN
fbem-18147	56	27	.	.	PUNCT
fbem-18147	57	1	one	one	NUM
fbem-18147	57	2	of	of	ADP
fbem-18147	57	3	the	the	DET
fbem-18147	57	4	main	main	ADJ
fbem-18147	57	5	challenges	challenge	NOUN
fbem-18147	57	6	facing	face	VERB
fbem-18147	57	7	traditional	traditional	ADJ
fbem-18147	57	8	financial	financial	ADJ
fbem-18147	57	9	institutions	institution	NOUN
fbem-18147	57	10	is	be	AUX
fbem-18147	57	11	competition	competition	NOUN
fbem-18147	57	12	from	from	ADP
fbem-18147	57	13	fintech	fintech	NOUN
fbem-18147	57	14	startups	startup	NOUN
fbem-18147	57	15	.	.	PUNCT
fbem-18147	58	1	these	these	DET
fbem-18147	58	2	nimble	nimble	ADJ
fbem-18147	58	3	entities	entity	NOUN
fbem-18147	58	4	utilise	utilise	VERB
fbem-18147	58	5	cutting	cut	VERB
fbem-18147	58	6	-	-	PUNCT
fbem-18147	58	7	edge	edge	NOUN
fbem-18147	58	8	technology	technology	NOUN
fbem-18147	58	9	to	to	PART
fbem-18147	58	10	provide	provide	VERB
fbem-18147	58	11	faster	fast	ADJ
fbem-18147	58	12	,	,	PUNCT
fbem-18147	58	13	cheaper	cheap	ADJ
fbem-18147	58	14	,	,	PUNCT
fbem-18147	58	15	and	and	CCONJ
fbem-18147	58	16	more	more	ADV
fbem-18147	58	17	convenient	convenient	ADJ
fbem-18147	58	18	financial	financial	ADJ
fbem-18147	58	19	services	service	NOUN
fbem-18147	58	20	,	,	PUNCT
fbem-18147	58	21	hitting	hit	VERB
fbem-18147	58	22	the	the	DET
fbem-18147	58	23	pain	pain	NOUN
fbem-18147	58	24	points	point	NOUN
fbem-18147	58	25	that	that	SCONJ
fbem-18147	58	26	customers	customer	NOUN
fbem-18147	58	27	encounter	encounter	VERB
fbem-18147	58	28	with	with	ADP
fbem-18147	58	29	traditional	traditional	ADJ
fbem-18147	58	30	banks	bank	NOUN
fbem-18147	58	31	.	.	PUNCT
fbem-18147	59	1	fintechs	fintech	NOUN
fbem-18147	59	2	are	be	AUX
fbem-18147	59	3	not	not	PART
fbem-18147	59	4	burdened	burden	VERB
fbem-18147	59	5	by	by	ADP
fbem-18147	59	6	legacy	legacy	NOUN
fbem-18147	59	7	systems	system	NOUN
fbem-18147	59	8	or	or	CCONJ
fbem-18147	59	9	burdensome	burdensome	ADJ
fbem-18147	59	10	regulatory	regulatory	ADJ
fbem-18147	59	11	frameworks	framework	NOUN
fbem-18147	59	12	and	and	CCONJ
fbem-18147	59	13	are	be	AUX
fbem-18147	59	14	therefore	therefore	ADV
fbem-18147	59	15	able	able	ADJ
fbem-18147	59	16	to	to	PART
fbem-18147	59	17	innovate	innovate	VERB
fbem-18147	59	18	quickly	quickly	ADV
fbem-18147	59	19	and	and	CCONJ
fbem-18147	59	20	disrupt	disrupt	VERB
fbem-18147	59	21	every	every	DET
fbem-18147	59	22	aspect	aspect	NOUN
fbem-18147	59	23	of	of	ADP
fbem-18147	59	24	the	the	DET
fbem-18147	59	25	financial	financial	ADJ
fbem-18147	59	26	market	market	NOUN
fbem-18147	59	27	,	,	PUNCT
fbem-18147	59	28	from	from	ADP
fbem-18147	59	29	payments	payment	NOUN
fbem-18147	59	30	and	and	CCONJ
fbem-18147	59	31	lending	lending	NOUN
fbem-18147	59	32	to	to	ADP
fbem-18147	59	33	wealth	wealth	NOUN
fbem-18147	59	34	management	management	NOUN
fbem-18147	59	35	and	and	CCONJ
fbem-18147	59	36	insurance	insurance	NOUN
fbem-18147	59	37	[	[	X
fbem-18147	59	38	9	9	NUM
fbem-18147	59	39	]	]	PUNCT
fbem-18147	59	40	.	.	PUNCT
fbem-18147	60	1	this	this	DET
fbem-18147	60	2	competition	competition	NOUN
fbem-18147	60	3	is	be	AUX
fbem-18147	60	4	forcing	force	VERB
fbem-18147	60	5	traditional	traditional	ADJ
fbem-18147	60	6	banks	bank	NOUN
fbem-18147	60	7	to	to	PART
fbem-18147	60	8	rethink	rethink	VERB
fbem-18147	60	9	their	their	PRON
fbem-18147	60	10	service	service	NOUN
fbem-18147	60	11	delivery	delivery	NOUN
fbem-18147	60	12	models	model	NOUN
fbem-18147	60	13	and	and	CCONJ
fbem-18147	60	14	accelerate	accelerate	VERB
fbem-18147	60	15	the	the	DET
fbem-18147	60	16	pace	pace	NOUN
fbem-18147	60	17	of	of	ADP
fbem-18147	60	18	digital	digital	ADJ
fbem-18147	60	19	transformation	transformation	NOUN
fbem-18147	60	20	to	to	PART
fbem-18147	60	21	remain	remain	VERB
fbem-18147	60	22	relevant	relevant	ADJ
fbem-18147	60	23	.	.	PUNCT
fbem-18147	61	1	changing	change	VERB
fbem-18147	61	2	consumer	consumer	NOUN
fbem-18147	61	3	expectations	expectation	NOUN
fbem-18147	61	4	are	be	AUX
fbem-18147	61	5	another	another	DET
fbem-18147	61	6	major	major	ADJ
fbem-18147	61	7	challenge	challenge	NOUN
fbem-18147	61	8	.	.	PUNCT
fbem-18147	62	1	today	today	NOUN
fbem-18147	62	2	's	's	PART
fbem-18147	62	3	consumers	consumer	NOUN
fbem-18147	62	4	,	,	PUNCT
fbem-18147	62	5	especially	especially	ADV
fbem-18147	62	6	digital	digital	ADJ
fbem-18147	62	7	natives	native	NOUN
fbem-18147	62	8	millennials	millennial	NOUN
fbem-18147	62	9	,	,	PUNCT
fbem-18147	62	10	demand	demand	NOUN
fbem-18147	62	11	instant	instant	NOUN
fbem-18147	62	12	,	,	PUNCT
fbem-18147	62	13	on	on	ADP
fbem-18147	62	14	-	-	PUNCT
fbem-18147	62	15	demand	demand	NOUN
fbem-18147	62	16	access	access	NOUN
fbem-18147	62	17	to	to	ADP
fbem-18147	62	18	financial	financial	ADJ
fbem-18147	62	19	services	service	NOUN
fbem-18147	62	20	and	and	CCONJ
fbem-18147	62	21	their	their	PRON
fbem-18147	62	22	seamless	seamless	ADJ
fbem-18147	62	23	integration	integration	NOUN
fbem-18147	62	24	into	into	ADP
fbem-18147	62	25	their	their	PRON
fbem-18147	62	26	digital	digital	ADJ
fbem-18147	62	27	lives	life	NOUN
fbem-18147	62	28	.	.	PUNCT
fbem-18147	63	1	they	they	PRON
fbem-18147	63	2	value	value	VERB
fbem-18147	63	3	transparency	transparency	NOUN
fbem-18147	63	4	,	,	PUNCT
fbem-18147	63	5	personalised	personalised	ADJ
fbem-18147	63	6	experiences	experience	NOUN
fbem-18147	63	7	and	and	CCONJ
fbem-18147	63	8	the	the	DET
fbem-18147	63	9	ability	ability	NOUN
fbem-18147	63	10	to	to	PART
fbem-18147	63	11	manage	manage	VERB
fbem-18147	63	12	their	their	PRON
fbem-18147	63	13	finances	finance	NOUN
fbem-18147	63	14	with	with	ADP
fbem-18147	63	15	a	a	DET
fbem-18147	63	16	tap	tap	NOUN
fbem-18147	63	17	of	of	ADP
fbem-18147	63	18	their	their	PRON
fbem-18147	63	19	smartphone	smartphone	NOUN
fbem-18147	63	20	.	.	PUNCT
fbem-18147	64	1	traditional	traditional	ADJ
fbem-18147	64	2	banks	bank	NOUN
fbem-18147	64	3	,	,	PUNCT
fbem-18147	64	4	often	often	ADV
fbem-18147	64	5	with	with	ADP
fbem-18147	64	6	outdated	outdated	ADJ
fbem-18147	64	7	technology	technology	NOUN
fbem-18147	64	8	infrastructures	infrastructure	NOUN
fbem-18147	64	9	and	and	CCONJ
fbem-18147	64	10	branch	branch	NOUN
fbem-18147	64	11	-	-	PUNCT
fbem-18147	64	12	based	base	VERB
fbem-18147	64	13	service	service	NOUN
fbem-18147	64	14	models	model	NOUN
fbem-18147	64	15	,	,	PUNCT
fbem-18147	64	16	are	be	AUX
fbem-18147	64	17	struggling	struggle	VERB
fbem-18147	64	18	to	to	PART
fbem-18147	64	19	meet	meet	VERB
fbem-18147	64	20	these	these	DET
fbem-18147	64	21	expectations	expectation	NOUN
fbem-18147	64	22	.	.	PUNCT
fbem-18147	65	1	the	the	DET
fbem-18147	65	2	gap	gap	NOUN
fbem-18147	65	3	between	between	ADP
fbem-18147	65	4	consumer	consumer	NOUN
fbem-18147	65	5	expectations	expectation	NOUN
fbem-18147	65	6	and	and	CCONJ
fbem-18147	65	7	the	the	DET
fbem-18147	65	8	services	service	NOUN
fbem-18147	65	9	offered	offer	VERB
fbem-18147	65	10	by	by	ADP
fbem-18147	65	11	traditional	traditional	ADJ
fbem-18147	65	12	banks	bank	NOUN
fbem-18147	65	13	is	be	AUX
fbem-18147	65	14	widening	widen	VERB
fbem-18147	65	15	,	,	PUNCT
fbem-18147	65	16	leading	lead	VERB
fbem-18147	65	17	to	to	ADP
fbem-18147	65	18	customer	customer	NOUN
fbem-18147	65	19	dissatisfaction	dissatisfaction	NOUN
fbem-18147	65	20	and	and	CCONJ
fbem-18147	65	21	churn	churn	NOUN
fbem-18147	65	22	.	.	PUNCT
fbem-18147	66	1	regulatory	regulatory	ADJ
fbem-18147	66	2	pressures	pressure	NOUN
fbem-18147	66	3	are	be	AUX
fbem-18147	66	4	compounding	compound	VERB
fbem-18147	66	5	the	the	DET
fbem-18147	66	6	challenges	challenge	NOUN
fbem-18147	66	7	faced	face	VERB
fbem-18147	66	8	by	by	ADP
fbem-18147	66	9	traditional	traditional	ADJ
fbem-18147	66	10	financial	financial	ADJ
fbem-18147	66	11	institutions	institution	NOUN
fbem-18147	66	12	.	.	PUNCT
fbem-18147	67	1	on	on	ADP
fbem-18147	67	2	the	the	DET
fbem-18147	67	3	one	one	NUM
fbem-18147	67	4	hand	hand	NOUN
fbem-18147	67	5	,	,	PUNCT
fbem-18147	67	6	regulators	regulator	NOUN
fbem-18147	67	7	are	be	AUX
fbem-18147	67	8	tightening	tighten	VERB
fbem-18147	67	9	financial	financial	ADJ
fbem-18147	67	10	regulation	regulation	NOUN
fbem-18147	67	11	and	and	CCONJ
fbem-18147	67	12	compliance	compliance	NOUN
fbem-18147	67	13	requirements	requirement	NOUN
fbem-18147	67	14	to	to	PART
fbem-18147	67	15	prevent	prevent	VERB
fbem-18147	67	16	financial	financial	ADJ
fbem-18147	67	17	crises	crisis	NOUN
fbem-18147	67	18	and	and	CCONJ
fbem-18147	67	19	protect	protect	VERB
fbem-18147	67	20	30	30	NUM
fbem-18147	67	21	consumers	consumer	NOUN
fbem-18147	67	22	.	.	PUNCT
fbem-18147	68	1	on	on	ADP
fbem-18147	68	2	the	the	DET
fbem-18147	68	3	other	other	ADJ
fbem-18147	68	4	hand	hand	NOUN
fbem-18147	68	5	,	,	PUNCT
fbem-18147	68	6	initiatives	initiative	NOUN
fbem-18147	68	7	such	such	ADJ
fbem-18147	68	8	as	as	ADP
fbem-18147	68	9	open	open	ADJ
fbem-18147	68	10	banking	banking	NOUN
fbem-18147	68	11	aim	aim	VERB
fbem-18147	68	12	to	to	PART
fbem-18147	68	13	increase	increase	VERB
fbem-18147	68	14	competition	competition	NOUN
fbem-18147	68	15	and	and	CCONJ
fbem-18147	68	16	innovation	innovation	NOUN
fbem-18147	68	17	in	in	ADP
fbem-18147	68	18	the	the	DET
fbem-18147	68	19	financial	financial	ADJ
fbem-18147	68	20	sector	sector	NOUN
fbem-18147	68	21	.	.	PUNCT
fbem-18147	69	1	while	while	SCONJ
fbem-18147	69	2	these	these	DET
fbem-18147	69	3	regulatory	regulatory	ADJ
fbem-18147	69	4	changes	change	NOUN
fbem-18147	69	5	aim	aim	VERB
fbem-18147	69	6	to	to	PART
fbem-18147	69	7	create	create	VERB
fbem-18147	69	8	a	a	DET
fbem-18147	69	9	more	more	ADV
fbem-18147	69	10	stable	stable	ADJ
fbem-18147	69	11	and	and	CCONJ
fbem-18147	69	12	competitive	competitive	ADJ
fbem-18147	69	13	financial	financial	ADJ
fbem-18147	69	14	ecosystem	ecosystem	NOUN
fbem-18147	69	15	,	,	PUNCT
fbem-18147	69	16	they	they	PRON
fbem-18147	69	17	require	require	VERB
fbem-18147	69	18	traditional	traditional	ADJ
fbem-18147	69	19	banks	bank	NOUN
fbem-18147	69	20	to	to	PART
fbem-18147	69	21	invest	invest	VERB
fbem-18147	69	22	heavily	heavily	ADV
fbem-18147	69	23	in	in	ADP
fbem-18147	69	24	compliance	compliance	NOUN
fbem-18147	69	25	and	and	CCONJ
fbem-18147	69	26	data	datum	NOUN
fbem-18147	69	27	security	security	NOUN
fbem-18147	69	28	measures	measure	NOUN
fbem-18147	69	29	,	,	PUNCT
fbem-18147	69	30	and	and	CCONJ
fbem-18147	69	31	to	to	PART
fbem-18147	69	32	adapt	adapt	VERB
fbem-18147	69	33	their	their	PRON
fbem-18147	69	34	business	business	NOUN
fbem-18147	69	35	models	model	NOUN
fbem-18147	69	36	to	to	ADP
fbem-18147	69	37	a	a	DET
fbem-18147	69	38	more	more	ADV
fbem-18147	69	39	open	open	ADJ
fbem-18147	69	40	and	and	CCONJ
fbem-18147	69	41	collaborative	collaborative	ADJ
fbem-18147	69	42	financial	financial	ADJ
fbem-18147	69	43	services	service	NOUN
fbem-18147	69	44	environment	environment	NOUN
fbem-18147	69	45	[	[	X
fbem-18147	69	46	10	10	NUM
fbem-18147	69	47	]	]	PUNCT
fbem-18147	69	48	.	.	PUNCT
fbem-18147	70	1	the	the	DET
fbem-18147	70	2	overarching	overarching	ADJ
fbem-18147	70	3	challenge	challenge	NOUN
fbem-18147	70	4	of	of	ADP
fbem-18147	70	5	digital	digital	ADJ
fbem-18147	70	6	transformation	transformation	NOUN
fbem-18147	70	7	encapsulates	encapsulate	VERB
fbem-18147	70	8	and	and	CCONJ
fbem-18147	70	9	amplifies	amplify	VERB
fbem-18147	70	10	the	the	DET
fbem-18147	70	11	above	above	ADJ
fbem-18147	70	12	issues	issue	NOUN
fbem-18147	70	13	.	.	PUNCT
fbem-18147	71	1	traditional	traditional	ADJ
fbem-18147	71	2	financial	financial	ADJ
fbem-18147	71	3	institutions	institution	NOUN
fbem-18147	71	4	must	must	AUX
fbem-18147	71	5	overhaul	overhaul	VERB
fbem-18147	71	6	their	their	PRON
fbem-18147	71	7	often	often	ADV
fbem-18147	71	8	siloed	siloed	ADJ
fbem-18147	71	9	and	and	CCONJ
fbem-18147	71	10	inefficient	inefficient	ADJ
fbem-18147	71	11	legacy	legacy	NOUN
fbem-18147	71	12	it	it	PRON
fbem-18147	71	13	systems	system	VERB
fbem-18147	71	14	to	to	PART
fbem-18147	71	15	support	support	VERB
fbem-18147	71	16	a	a	DET
fbem-18147	71	17	digital	digital	ADJ
fbem-18147	71	18	-	-	PUNCT
fbem-18147	71	19	first	first	ADJ
fbem-18147	71	20	banking	banking	NOUN
fbem-18147	71	21	experience	experience	NOUN
fbem-18147	71	22	.	.	PUNCT
fbem-18147	72	1	this	this	DET
fbem-18147	72	2	transformation	transformation	NOUN
fbem-18147	72	3	is	be	AUX
fbem-18147	72	4	not	not	PART
fbem-18147	72	5	just	just	ADV
fbem-18147	72	6	about	about	ADP
fbem-18147	72	7	adopting	adopt	VERB
fbem-18147	72	8	new	new	ADJ
fbem-18147	72	9	technologies	technology	NOUN
fbem-18147	72	10	,	,	PUNCT
fbem-18147	72	11	but	but	CCONJ
fbem-18147	72	12	also	also	ADV
fbem-18147	72	13	involves	involve	VERB
fbem-18147	72	14	a	a	DET
fbem-18147	72	15	cultural	cultural	ADJ
fbem-18147	72	16	shift	shift	NOUN
fbem-18147	72	17	within	within	ADP
fbem-18147	72	18	the	the	DET
fbem-18147	72	19	organisation	organisation	NOUN
fbem-18147	72	20	,	,	PUNCT
fbem-18147	72	21	redefining	redefine	VERB
fbem-18147	72	22	internal	internal	ADJ
fbem-18147	72	23	processes	process	NOUN
fbem-18147	72	24	and	and	CCONJ
fbem-18147	72	25	developing	develop	VERB
fbem-18147	72	26	new	new	ADJ
fbem-18147	72	27	digital	digital	ADJ
fbem-18147	72	28	skills	skill	NOUN
fbem-18147	72	29	among	among	ADP
fbem-18147	72	30	employees	employee	NOUN
fbem-18147	72	31	.	.	PUNCT
fbem-18147	73	1	the	the	DET
fbem-18147	73	2	cost	cost	NOUN
fbem-18147	73	3	and	and	CCONJ
fbem-18147	73	4	complexity	complexity	NOUN
fbem-18147	73	5	of	of	ADP
fbem-18147	73	6	this	this	DET
fbem-18147	73	7	transformation	transformation	NOUN
fbem-18147	73	8	is	be	AUX
fbem-18147	73	9	high	high	ADJ
fbem-18147	73	10	,	,	PUNCT
fbem-18147	73	11	especially	especially	ADV
fbem-18147	73	12	for	for	ADP
fbem-18147	73	13	large	large	ADJ
fbem-18147	73	14	,	,	PUNCT
fbem-18147	73	15	established	establish	VERB
fbem-18147	73	16	banks	bank	NOUN
fbem-18147	73	17	that	that	PRON
fbem-18147	73	18	have	have	AUX
fbem-18147	73	19	been	be	AUX
fbem-18147	73	20	in	in	ADP
fbem-18147	73	21	operation	operation	NOUN
fbem-18147	73	22	for	for	ADP
fbem-18147	73	23	decades	decade	NOUN
fbem-18147	73	24	.	.	PUNCT
fbem-18147	74	1	in	in	ADP
fbem-18147	74	2	addition	addition	NOUN
fbem-18147	74	3	,	,	PUNCT
fbem-18147	74	4	as	as	SCONJ
fbem-18147	74	5	banks	bank	NOUN
fbem-18147	74	6	digitise	digitise	VERB
fbem-18147	74	7	their	their	PRON
fbem-18147	74	8	operations	operation	NOUN
fbem-18147	74	9	,	,	PUNCT
fbem-18147	74	10	they	they	PRON
fbem-18147	74	11	become	become	VERB
fbem-18147	74	12	more	more	ADV
fbem-18147	74	13	vulnerable	vulnerable	ADJ
fbem-18147	74	14	to	to	ADP
fbem-18147	74	15	cybersecurity	cybersecurity	NOUN
fbem-18147	74	16	threats	threat	NOUN
fbem-18147	74	17	,	,	PUNCT
fbem-18147	74	18	which	which	PRON
fbem-18147	74	19	adds	add	VERB
fbem-18147	74	20	another	another	DET
fbem-18147	74	21	dimension	dimension	NOUN
fbem-18147	74	22	to	to	ADP
fbem-18147	74	23	the	the	DET
fbem-18147	74	24	challenge	challenge	NOUN
fbem-18147	74	25	[	[	X
fbem-18147	74	26	11	11	NUM
fbem-18147	74	27	]	]	PUNCT
fbem-18147	74	28	.	.	PUNCT
fbem-18147	75	1	in	in	ADP
fbem-18147	75	2	short	short	ADJ
fbem-18147	75	3	,	,	PUNCT
fbem-18147	75	4	traditional	traditional	ADJ
fbem-18147	75	5	financial	financial	ADJ
fbem-18147	75	6	institutions	institution	NOUN
fbem-18147	75	7	are	be	AUX
fbem-18147	75	8	going	go	VERB
fbem-18147	75	9	through	through	ADP
fbem-18147	75	10	a	a	DET
fbem-18147	75	11	tumultuous	tumultuous	ADJ
fbem-18147	75	12	period	period	NOUN
fbem-18147	75	13	characterised	characterise	VERB
fbem-18147	75	14	by	by	ADP
fbem-18147	75	15	fierce	fierce	ADJ
fbem-18147	75	16	competition	competition	NOUN
fbem-18147	75	17	from	from	ADP
fbem-18147	75	18	fintech	fintech	NOUN
fbem-18147	75	19	start	start	NOUN
fbem-18147	75	20	-	-	PUNCT
fbem-18147	75	21	ups	up	NOUN
fbem-18147	75	22	,	,	PUNCT
fbem-18147	75	23	changing	change	VERB
fbem-18147	75	24	consumer	consumer	NOUN
fbem-18147	75	25	expectations	expectation	NOUN
fbem-18147	75	26	,	,	PUNCT
fbem-18147	75	27	regulatory	regulatory	ADJ
fbem-18147	75	28	pressures	pressure	NOUN
fbem-18147	75	29	and	and	CCONJ
fbem-18147	75	30	the	the	DET
fbem-18147	75	31	urgent	urgent	ADJ
fbem-18147	75	32	need	need	NOUN
fbem-18147	75	33	for	for	ADP
fbem-18147	75	34	digital	digital	ADJ
fbem-18147	75	35	transformation	transformation	NOUN
fbem-18147	75	36	.	.	PUNCT
fbem-18147	76	1	these	these	DET
fbem-18147	76	2	challenges	challenge	NOUN
fbem-18147	76	3	require	require	VERB
fbem-18147	76	4	traditional	traditional	ADJ
fbem-18147	76	5	banks	bank	NOUN
fbem-18147	76	6	to	to	PART
fbem-18147	76	7	be	be	AUX
fbem-18147	76	8	strategically	strategically	ADV
fbem-18147	76	9	forward	forward	ADV
fbem-18147	76	10	-	-	PUNCT
fbem-18147	76	11	looking	look	VERB
fbem-18147	76	12	,	,	PUNCT
fbem-18147	76	13	flexible	flexible	ADJ
fbem-18147	76	14	and	and	CCONJ
fbem-18147	76	15	innovative	innovative	ADJ
fbem-18147	76	16	.	.	PUNCT
fbem-18147	77	1	while	while	SCONJ
fbem-18147	77	2	the	the	DET
fbem-18147	77	3	road	road	NOUN
fbem-18147	77	4	ahead	ahead	ADV
fbem-18147	77	5	is	be	AUX
fbem-18147	77	6	full	full	ADJ
fbem-18147	77	7	of	of	ADP
fbem-18147	77	8	obstacles	obstacle	NOUN
fbem-18147	77	9	,	,	PUNCT
fbem-18147	77	10	it	it	PRON
fbem-18147	77	11	also	also	ADV
fbem-18147	77	12	presents	present	VERB
fbem-18147	77	13	an	an	DET
fbem-18147	77	14	opportunity	opportunity	NOUN
fbem-18147	77	15	for	for	SCONJ
fbem-18147	77	16	these	these	DET
fbem-18147	77	17	organisations	organisation	NOUN
fbem-18147	77	18	to	to	PART
fbem-18147	77	19	reinvent	reinvent	VERB
fbem-18147	77	20	themselves	themselves	PRON
fbem-18147	77	21	by	by	ADP
fbem-18147	77	22	using	use	VERB
fbem-18147	77	23	technology	technology	NOUN
fbem-18147	77	24	not	not	PART
fbem-18147	77	25	only	only	ADV
fbem-18147	77	26	as	as	ADP
fbem-18147	77	27	a	a	DET
fbem-18147	77	28	tool	tool	NOUN
fbem-18147	77	29	to	to	PART
fbem-18147	77	30	improve	improve	VERB
fbem-18147	77	31	operational	operational	ADJ
fbem-18147	77	32	efficiency	efficiency	NOUN
fbem-18147	77	33	,	,	PUNCT
fbem-18147	77	34	but	but	CCONJ
fbem-18147	77	35	also	also	ADV
fbem-18147	77	36	as	as	SCONJ
fbem-18147	77	37	a	a	DET
fbem-18147	77	38	strategic	strategic	ADJ
fbem-18147	77	39	asset	asset	NOUN
fbem-18147	77	40	to	to	PART
fbem-18147	77	41	enhance	enhance	VERB
fbem-18147	77	42	customer	customer	NOUN
fbem-18147	77	43	value	value	NOUN
fbem-18147	77	44	and	and	CCONJ
fbem-18147	77	45	open	open	VERB
fbem-18147	77	46	up	up	ADP
fbem-18147	77	47	new	new	ADJ
fbem-18147	77	48	avenues	avenue	NOUN
fbem-18147	77	49	of	of	ADP
fbem-18147	77	50	growth	growth	NOUN
fbem-18147	77	51	in	in	ADP
fbem-18147	77	52	the	the	DET
fbem-18147	77	53	digital	digital	ADJ
fbem-18147	77	54	age	age	NOUN
fbem-18147	77	55	.	.	PUNCT
fbem-18147	78	1	4	4	X
fbem-18147	78	2	.	.	X
fbem-18147	78	3	opportunities	opportunity	NOUN
fbem-18147	78	4	arising	arise	VERB
fbem-18147	78	5	from	from	ADP
fbem-18147	78	6	fintech	fintech	NOUN
fbem-18147	78	7	innovation	innovation	NOUN
fbem-18147	78	8	the	the	DET
fbem-18147	78	9	emergence	emergence	NOUN
fbem-18147	78	10	of	of	ADP
fbem-18147	78	11	fintech	fintech	NOUN
fbem-18147	78	12	innovations	innovation	NOUN
fbem-18147	78	13	not	not	PART
fbem-18147	78	14	only	only	ADV
fbem-18147	78	15	poses	pose	VERB
fbem-18147	78	16	challenges	challenge	NOUN
fbem-18147	78	17	for	for	ADP
fbem-18147	78	18	traditional	traditional	ADJ
fbem-18147	78	19	financial	financial	ADJ
fbem-18147	78	20	institutions	institution	NOUN
fbem-18147	78	21	,	,	PUNCT
fbem-18147	78	22	but	but	CCONJ
fbem-18147	78	23	also	also	ADV
fbem-18147	78	24	presents	present	VERB
fbem-18147	78	25	a	a	DET
fbem-18147	78	26	plethora	plethora	NOUN
fbem-18147	78	27	of	of	ADP
fbem-18147	78	28	opportunities	opportunity	NOUN
fbem-18147	78	29	.	.	PUNCT
fbem-18147	79	1	in	in	ADP
fbem-18147	79	2	this	this	DET
fbem-18147	79	3	era	era	NOUN
fbem-18147	79	4	of	of	ADP
fbem-18147	79	5	rapid	rapid	ADJ
fbem-18147	79	6	technological	technological	ADJ
fbem-18147	79	7	advancement	advancement	NOUN
fbem-18147	79	8	,	,	PUNCT
fbem-18147	79	9	these	these	DET
fbem-18147	79	10	organisations	organisation	NOUN
fbem-18147	79	11	are	be	AUX
fbem-18147	79	12	finding	find	VERB
fbem-18147	79	13	that	that	SCONJ
fbem-18147	79	14	fintech	fintech	NOUN
fbem-18147	79	15	innovation	innovation	NOUN
fbem-18147	79	16	offers	offer	VERB
fbem-18147	79	17	a	a	DET
fbem-18147	79	18	new	new	ADJ
fbem-18147	79	19	frontier	frontier	NOUN
fbem-18147	79	20	to	to	PART
fbem-18147	79	21	re	re	VERB
fbem-18147	79	22	-	-	VERB
fbem-18147	79	23	imagine	imagine	VERB
fbem-18147	79	24	their	their	PRON
fbem-18147	79	25	services	service	NOUN
fbem-18147	79	26	,	,	PUNCT
fbem-18147	79	27	improve	improve	VERB
fbem-18147	79	28	operational	operational	ADJ
fbem-18147	79	29	efficiencies	efficiency	NOUN
fbem-18147	79	30	and	and	CCONJ
fbem-18147	79	31	create	create	VERB
fbem-18147	79	32	value	value	NOUN
fbem-18147	79	33	for	for	ADP
fbem-18147	79	34	their	their	PRON
fbem-18147	79	35	customers	customer	NOUN
fbem-18147	79	36	in	in	ADP
fbem-18147	79	37	ways	way	NOUN
fbem-18147	79	38	never	never	ADV
fbem-18147	79	39	before	before	ADP
fbem-18147	79	40	possible	possible	ADJ
fbem-18147	79	41	[	[	X
fbem-18147	79	42	12	12	NUM
fbem-18147	79	43	]	]	PUNCT
fbem-18147	79	44	.	.	PUNCT
fbem-18147	80	1	the	the	DET
fbem-18147	80	2	opportunities	opportunity	NOUN
fbem-18147	80	3	presented	present	VERB
fbem-18147	80	4	by	by	ADP
fbem-18147	80	5	fintech	fintech	NOUN
fbem-18147	80	6	innovation	innovation	NOUN
fbem-18147	80	7	are	be	AUX
fbem-18147	80	8	manifold	manifold	ADJ
fbem-18147	80	9	,	,	PUNCT
fbem-18147	80	10	ranging	range	VERB
fbem-18147	80	11	from	from	ADP
fbem-18147	80	12	enhanced	enhanced	ADJ
fbem-18147	80	13	customer	customer	NOUN
fbem-18147	80	14	experience	experience	NOUN
fbem-18147	80	15	to	to	ADP
fbem-18147	80	16	new	new	ADJ
fbem-18147	80	17	revenue	revenue	NOUN
fbem-18147	80	18	streams	stream	NOUN
fbem-18147	80	19	and	and	CCONJ
fbem-18147	80	20	improved	improve	VERB
fbem-18147	80	21	risk	risk	NOUN
fbem-18147	80	22	management	management	NOUN
fbem-18147	80	23	.	.	PUNCT
fbem-18147	81	1	the	the	DET
fbem-18147	81	2	convergence	convergence	NOUN
fbem-18147	81	3	of	of	ADP
fbem-18147	81	4	fintech	fintech	NOUN
fbem-18147	81	5	innovations	innovation	NOUN
fbem-18147	81	6	is	be	AUX
fbem-18147	81	7	enabling	enable	VERB
fbem-18147	81	8	traditional	traditional	ADJ
fbem-18147	81	9	financial	financial	ADJ
fbem-18147	81	10	institutions	institution	NOUN
fbem-18147	81	11	to	to	PART
fbem-18147	81	12	dramatically	dramatically	ADV
fbem-18147	81	13	improve	improve	VERB
fbem-18147	81	14	the	the	DET
fbem-18147	81	15	customer	customer	NOUN
fbem-18147	81	16	experience	experience	NOUN
fbem-18147	81	17	by	by	ADP
fbem-18147	81	18	making	make	VERB
fbem-18147	81	19	it	it	PRON
fbem-18147	81	20	more	more	ADV
fbem-18147	81	21	personalised	personalised	ADJ
fbem-18147	81	22	,	,	PUNCT
fbem-18147	81	23	convenient	convenient	ADJ
fbem-18147	81	24	and	and	CCONJ
fbem-18147	81	25	accessible	accessible	ADJ
fbem-18147	81	26	.	.	PUNCT
fbem-18147	82	1	by	by	ADP
fbem-18147	82	2	utilising	utilise	VERB
fbem-18147	82	3	technologies	technology	NOUN
fbem-18147	82	4	such	such	ADJ
fbem-18147	82	5	as	as	ADP
fbem-18147	82	6	artificial	artificial	ADJ
fbem-18147	82	7	intelligence	intelligence	NOUN
fbem-18147	82	8	,	,	PUNCT
fbem-18147	82	9	machine	machine	NOUN
fbem-18147	82	10	learning	learning	NOUN
fbem-18147	82	11	and	and	CCONJ
fbem-18147	82	12	data	datum	NOUN
fbem-18147	82	13	analytics	analytic	NOUN
fbem-18147	82	14	,	,	PUNCT
fbem-18147	82	15	banks	bank	NOUN
fbem-18147	82	16	can	can	AUX
fbem-18147	82	17	offer	offer	VERB
fbem-18147	82	18	tailored	tailor	VERB
fbem-18147	82	19	financial	financial	ADJ
fbem-18147	82	20	advice	advice	NOUN
fbem-18147	82	21	,	,	PUNCT
fbem-18147	82	22	anticipate	anticipate	VERB
fbem-18147	82	23	customer	customer	NOUN
fbem-18147	82	24	needs	need	VERB
fbem-18147	82	25	and	and	CCONJ
fbem-18147	82	26	provide	provide	VERB
fbem-18147	82	27	real	real	ADJ
fbem-18147	82	28	-	-	PUNCT
fbem-18147	82	29	time	time	NOUN
fbem-18147	82	30	support	support	NOUN
fbem-18147	82	31	.	.	PUNCT
fbem-18147	83	1	this	this	DET
fbem-18147	83	2	level	level	NOUN
fbem-18147	83	3	of	of	ADP
fbem-18147	83	4	personalisation	personalisation	NOUN
fbem-18147	83	5	not	not	PART
fbem-18147	83	6	only	only	ADV
fbem-18147	83	7	increases	increase	VERB
fbem-18147	83	8	customer	customer	NOUN
fbem-18147	83	9	satisfaction	satisfaction	NOUN
fbem-18147	83	10	,	,	PUNCT
fbem-18147	83	11	but	but	CCONJ
fbem-18147	83	12	also	also	ADV
fbem-18147	83	13	customer	customer	NOUN
fbem-18147	83	14	loyalty	loyalty	NOUN
fbem-18147	83	15	and	and	CCONJ
fbem-18147	83	16	retention	retention	NOUN
fbem-18147	83	17	.	.	PUNCT
fbem-18147	84	1	in	in	ADP
fbem-18147	84	2	addition	addition	NOUN
fbem-18147	84	3	,	,	PUNCT
fbem-18147	84	4	digital	digital	ADJ
fbem-18147	84	5	platforms	platform	NOUN
fbem-18147	84	6	and	and	CCONJ
fbem-18147	84	7	mobile	mobile	ADJ
fbem-18147	84	8	apps	app	NOUN
fbem-18147	84	9	enable	enable	VERB
fbem-18147	84	10	round	round	ADJ
fbem-18147	84	11	-	-	PUNCT
fbem-18147	84	12	the	the	DET
fbem-18147	84	13	-	-	PUNCT
fbem-18147	84	14	clock	clock	NOUN
fbem-18147	84	15	banking	banking	NOUN
fbem-18147	84	16	services	service	NOUN
fbem-18147	84	17	,	,	PUNCT
fbem-18147	84	18	breaking	break	VERB
fbem-18147	84	19	the	the	DET
fbem-18147	84	20	traditional	traditional	ADJ
fbem-18147	84	21	constraints	constraint	NOUN
fbem-18147	84	22	of	of	ADP
fbem-18147	84	23	banking	banking	NOUN
fbem-18147	84	24	hours	hour	NOUN
fbem-18147	84	25	and	and	CCONJ
fbem-18147	84	26	physical	physical	ADJ
fbem-18147	84	27	locations	location	NOUN
fbem-18147	84	28	.	.	PUNCT
fbem-18147	85	1	this	this	DET
fbem-18147	85	2	convenience	convenience	NOUN
fbem-18147	85	3	expands	expand	VERB
fbem-18147	85	4	the	the	DET
fbem-18147	85	5	customer	customer	NOUN
fbem-18147	85	6	base	base	NOUN
fbem-18147	85	7	to	to	PART
fbem-18147	85	8	reach	reach	VERB
fbem-18147	85	9	underserved	underserved	ADJ
fbem-18147	85	10	or	or	CCONJ
fbem-18147	85	11	unbanked	unbanked	ADJ
fbem-18147	85	12	populations	population	NOUN
fbem-18147	85	13	,	,	PUNCT
fbem-18147	85	14	thereby	thereby	ADV
fbem-18147	85	15	promoting	promote	VERB
fbem-18147	85	16	financial	financial	ADJ
fbem-18147	85	17	inclusion	inclusion	NOUN
fbem-18147	85	18	[	[	X
fbem-18147	85	19	13	13	NUM
fbem-18147	85	20	]	]	PUNCT
fbem-18147	85	21	.	.	PUNCT
fbem-18147	86	1	fintech	fintech	NOUN
fbem-18147	86	2	also	also	ADV
fbem-18147	86	3	offers	offer	VERB
fbem-18147	86	4	traditional	traditional	ADJ
fbem-18147	86	5	financial	financial	ADJ
fbem-18147	86	6	institutions	institution	NOUN
fbem-18147	86	7	the	the	DET
fbem-18147	86	8	opportunity	opportunity	NOUN
fbem-18147	86	9	to	to	PART
fbem-18147	86	10	develop	develop	VERB
fbem-18147	86	11	new	new	ADJ
fbem-18147	86	12	revenue	revenue	NOUN
fbem-18147	86	13	streams	stream	NOUN
fbem-18147	86	14	.	.	PUNCT
fbem-18147	87	1	by	by	ADP
fbem-18147	87	2	partnering	partner	VERB
fbem-18147	87	3	with	with	ADP
fbem-18147	87	4	fintech	fintech	NOUN
fbem-18147	87	5	startups	startup	NOUN
fbem-18147	87	6	or	or	CCONJ
fbem-18147	87	7	developing	develop	VERB
fbem-18147	87	8	in	in	ADP
fbem-18147	87	9	-	-	PUNCT
fbem-18147	87	10	house	house	NOUN
fbem-18147	87	11	fintech	fintech	NOUN
fbem-18147	87	12	solutions	solution	NOUN
fbem-18147	87	13	,	,	PUNCT
fbem-18147	87	14	banks	bank	NOUN
fbem-18147	87	15	can	can	AUX
fbem-18147	87	16	launch	launch	VERB
fbem-18147	87	17	innovative	innovative	ADJ
fbem-18147	87	18	financial	financial	ADJ
fbem-18147	87	19	products	product	NOUN
fbem-18147	87	20	and	and	CCONJ
fbem-18147	87	21	services	service	NOUN
fbem-18147	87	22	.	.	PUNCT
fbem-18147	88	1	these	these	DET
fbem-18147	88	2	products	product	NOUN
fbem-18147	88	3	and	and	CCONJ
fbem-18147	88	4	services	service	NOUN
fbem-18147	88	5	include	include	VERB
fbem-18147	88	6	digital	digital	ADJ
fbem-18147	88	7	wallets	wallet	NOUN
fbem-18147	88	8	,	,	PUNCT
fbem-18147	88	9	peer	peer	NOUN
fbem-18147	88	10	-	-	PUNCT
fbem-18147	88	11	topeer	topeer	NOUN
fbem-18147	88	12	payment	payment	NOUN
fbem-18147	88	13	platforms	platform	NOUN
fbem-18147	88	14	,	,	PUNCT
fbem-18147	88	15	robo	robo	NOUN
fbem-18147	88	16	-	-	PUNCT
fbem-18147	88	17	advisory	advisory	ADJ
fbem-18147	88	18	services	service	NOUN
fbem-18147	88	19	and	and	CCONJ
fbem-18147	88	20	blockchain	blockchain	PROPN
fbem-18147	88	21	-	-	PUNCT
fbem-18147	88	22	based	base	VERB
fbem-18147	88	23	solutions	solution	NOUN
fbem-18147	88	24	.	.	PUNCT
fbem-18147	89	1	these	these	DET
fbem-18147	89	2	products	product	NOUN
fbem-18147	89	3	not	not	PART
fbem-18147	89	4	only	only	ADV
fbem-18147	89	5	meet	meet	VERB
fbem-18147	89	6	the	the	DET
fbem-18147	89	7	changing	change	VERB
fbem-18147	89	8	needs	need	NOUN
fbem-18147	89	9	of	of	ADP
fbem-18147	89	10	the	the	DET
fbem-18147	89	11	modern	modern	ADJ
fbem-18147	89	12	consumer	consumer	NOUN
fbem-18147	89	13	,	,	PUNCT
fbem-18147	89	14	but	but	CCONJ
fbem-18147	89	15	also	also	ADV
fbem-18147	89	16	open	open	VERB
fbem-18147	89	17	up	up	ADP
fbem-18147	89	18	new	new	ADJ
fbem-18147	89	19	market	market	NOUN
fbem-18147	89	20	segments	segment	NOUN
fbem-18147	89	21	and	and	CCONJ
fbem-18147	89	22	generate	generate	VERB
fbem-18147	89	23	additional	additional	ADJ
fbem-18147	89	24	revenue	revenue	NOUN
fbem-18147	89	25	for	for	ADP
fbem-18147	89	26	the	the	DET
fbem-18147	89	27	organization	organization	NOUN
fbem-18147	89	28	[	[	X
fbem-18147	89	29	14	14	NUM
fbem-18147	89	30	]	]	PUNCT
fbem-18147	89	31	.	.	PUNCT
fbem-18147	90	1	in	in	ADP
fbem-18147	90	2	addition	addition	NOUN
fbem-18147	90	3	,	,	PUNCT
fbem-18147	90	4	the	the	DET
fbem-18147	90	5	adoption	adoption	NOUN
fbem-18147	90	6	of	of	ADP
fbem-18147	90	7	technologies	technology	NOUN
fbem-18147	90	8	such	such	ADJ
fbem-18147	90	9	as	as	ADP
fbem-18147	90	10	blockchain	blockchain	PROPN
fbem-18147	90	11	opens	open	VERB
fbem-18147	90	12	up	up	ADP
fbem-18147	90	13	possibilities	possibility	NOUN
fbem-18147	90	14	for	for	ADP
fbem-18147	90	15	cost	cost	NOUN
fbem-18147	90	16	savings	saving	NOUN
fbem-18147	90	17	and	and	CCONJ
fbem-18147	90	18	new	new	ADJ
fbem-18147	90	19	business	business	NOUN
fbem-18147	90	20	models	model	NOUN
fbem-18147	90	21	(	(	PUNCT
fbem-18147	90	22	e.g.	e.g.	ADV
fbem-18147	90	23	smart	smart	ADJ
fbem-18147	90	24	contracts	contract	NOUN
fbem-18147	90	25	and	and	CCONJ
fbem-18147	90	26	tokenised	tokenise	VERB
fbem-18147	90	27	assets	asset	NOUN
fbem-18147	90	28	)	)	PUNCT
fbem-18147	90	29	that	that	PRON
fbem-18147	90	30	could	could	AUX
fbem-18147	90	31	revolutionise	revolutionise	VERB
fbem-18147	90	32	traditional	traditional	ADJ
fbem-18147	90	33	banking	banking	NOUN
fbem-18147	90	34	transactions	transaction	NOUN
fbem-18147	90	35	.	.	PUNCT
fbem-18147	91	1	improved	improve	VERB
fbem-18147	91	2	risk	risk	NOUN
fbem-18147	91	3	management	management	NOUN
fbem-18147	91	4	is	be	AUX
fbem-18147	91	5	another	another	DET
fbem-18147	91	6	key	key	ADJ
fbem-18147	91	7	opportunity	opportunity	NOUN
fbem-18147	91	8	presented	present	VERB
fbem-18147	91	9	by	by	ADP
fbem-18147	91	10	fintech	fintech	NOUN
fbem-18147	91	11	innovation	innovation	NOUN
fbem-18147	91	12	.	.	PUNCT
fbem-18147	92	1	advanced	advanced	ADJ
fbem-18147	92	2	analytics	analytic	NOUN
fbem-18147	92	3	and	and	CCONJ
fbem-18147	92	4	big	big	ADJ
fbem-18147	92	5	data	datum	NOUN
fbem-18147	92	6	technologies	technology	NOUN
fbem-18147	92	7	enable	enable	VERB
fbem-18147	92	8	financial	financial	ADJ
fbem-18147	92	9	institutions	institution	NOUN
fbem-18147	92	10	to	to	PART
fbem-18147	92	11	better	well	ADV
fbem-18147	92	12	understand	understand	VERB
fbem-18147	92	13	and	and	CCONJ
fbem-18147	92	14	mitigate	mitigate	VERB
fbem-18147	92	15	risks	risk	NOUN
fbem-18147	92	16	.	.	PUNCT
fbem-18147	93	1	by	by	ADP
fbem-18147	93	2	analysing	analyse	VERB
fbem-18147	93	3	vast	vast	ADJ
fbem-18147	93	4	amounts	amount	NOUN
fbem-18147	93	5	of	of	ADP
fbem-18147	93	6	data	datum	NOUN
fbem-18147	93	7	,	,	PUNCT
fbem-18147	93	8	banks	bank	NOUN
fbem-18147	93	9	can	can	AUX
fbem-18147	93	10	more	more	ADV
fbem-18147	93	11	accurately	accurately	ADV
fbem-18147	93	12	assess	assess	VERB
fbem-18147	93	13	credit	credit	NOUN
fbem-18147	93	14	risk	risk	NOUN
fbem-18147	93	15	,	,	PUNCT
fbem-18147	93	16	detect	detect	VERB
fbem-18147	93	17	fraudulent	fraudulent	ADJ
fbem-18147	93	18	activity	activity	NOUN
fbem-18147	93	19	and	and	CCONJ
fbem-18147	93	20	predict	predict	VERB
fbem-18147	93	21	market	market	NOUN
fbem-18147	93	22	trends	trend	NOUN
fbem-18147	93	23	.	.	PUNCT
fbem-18147	94	1	this	this	DET
fbem-18147	94	2	improved	improve	VERB
fbem-18147	94	3	risk	risk	NOUN
fbem-18147	94	4	assessment	assessment	NOUN
fbem-18147	94	5	facilitates	facilitate	VERB
fbem-18147	94	6	more	more	ADV
fbem-18147	94	7	informed	informed	ADJ
fbem-18147	94	8	decision	decision	NOUN
fbem-18147	94	9	-	-	PUNCT
fbem-18147	94	10	making	making	NOUN
fbem-18147	94	11	and	and	CCONJ
fbem-18147	94	12	can	can	AUX
fbem-18147	94	13	reduce	reduce	VERB
fbem-18147	94	14	default	default	NOUN
fbem-18147	94	15	rates	rate	NOUN
fbem-18147	94	16	,	,	PUNCT
fbem-18147	94	17	mitigate	mitigate	VERB
fbem-18147	94	18	losses	loss	NOUN
fbem-18147	94	19	and	and	CCONJ
fbem-18147	94	20	optimise	optimise	ADJ
fbem-18147	94	21	capital	capital	NOUN
fbem-18147	94	22	allocation	allocation	NOUN
fbem-18147	94	23	.	.	PUNCT
fbem-18147	95	1	in	in	ADP
fbem-18147	95	2	addition	addition	NOUN
fbem-18147	95	3	,	,	PUNCT
fbem-18147	95	4	the	the	DET
fbem-18147	95	5	use	use	NOUN
fbem-18147	95	6	of	of	ADP
fbem-18147	95	7	biometrics	biometric	NOUN
fbem-18147	95	8	and	and	CCONJ
fbem-18147	95	9	advanced	advanced	ADJ
fbem-18147	95	10	encryption	encryption	NOUN
fbem-18147	95	11	methods	method	NOUN
fbem-18147	95	12	improves	improve	VERB
fbem-18147	95	13	data	datum	NOUN
fbem-18147	95	14	security	security	NOUN
fbem-18147	95	15	and	and	CCONJ
fbem-18147	95	16	protects	protect	VERB
fbem-18147	95	17	the	the	DET
fbem-18147	95	18	institution	institution	NOUN
fbem-18147	95	19	and	and	CCONJ
fbem-18147	95	20	its	its	PRON
fbem-18147	95	21	customers	customer	NOUN
fbem-18147	95	22	from	from	ADP
fbem-18147	95	23	cyber	cyber	PROPN
fbem-18147	95	24	threats	threat	NOUN
fbem-18147	95	25	[	[	X
fbem-18147	95	26	15	15	NUM
fbem-18147	95	27	]	]	PUNCT
fbem-18147	95	28	.	.	PUNCT
fbem-18147	96	1	the	the	DET
fbem-18147	96	2	adoption	adoption	NOUN
fbem-18147	96	3	of	of	ADP
fbem-18147	96	4	fintech	fintech	NOUN
fbem-18147	96	5	solutions	solution	NOUN
fbem-18147	96	6	can	can	AUX
fbem-18147	96	7	significantly	significantly	ADV
fbem-18147	96	8	improve	improve	VERB
fbem-18147	96	9	operational	operational	ADJ
fbem-18147	96	10	efficiency	efficiency	NOUN
fbem-18147	96	11	.	.	PUNCT
fbem-18147	97	1	automation	automation	NOUN
fbem-18147	97	2	of	of	ADP
fbem-18147	97	3	routine	routine	ADJ
fbem-18147	97	4	tasks	task	NOUN
fbem-18147	97	5	such	such	ADJ
fbem-18147	97	6	as	as	ADP
fbem-18147	97	7	customer	customer	NOUN
fbem-18147	97	8	verification	verification	NOUN
fbem-18147	97	9	,	,	PUNCT
fbem-18147	97	10	transaction	transaction	NOUN
fbem-18147	97	11	processing	processing	NOUN
fbem-18147	97	12	and	and	CCONJ
fbem-18147	97	13	compliance	compliance	NOUN
fbem-18147	97	14	checks	check	NOUN
fbem-18147	97	15	frees	free	VERB
fbem-18147	97	16	up	up	ADP
fbem-18147	97	17	valuable	valuable	ADJ
fbem-18147	97	18	resources	resource	NOUN
fbem-18147	97	19	and	and	CCONJ
fbem-18147	97	20	reduces	reduce	VERB
fbem-18147	97	21	the	the	DET
fbem-18147	97	22	potential	potential	NOUN
fbem-18147	97	23	for	for	ADP
fbem-18147	97	24	human	human	ADJ
fbem-18147	97	25	error	error	NOUN
fbem-18147	97	26	.	.	PUNCT
fbem-18147	98	1	this	this	PRON
fbem-18147	98	2	not	not	PART
fbem-18147	98	3	only	only	ADV
fbem-18147	98	4	reduces	reduce	VERB
fbem-18147	98	5	operational	operational	ADJ
fbem-18147	98	6	costs	cost	NOUN
fbem-18147	98	7	,	,	PUNCT
fbem-18147	98	8	but	but	CCONJ
fbem-18147	98	9	also	also	ADV
fbem-18147	98	10	speeds	speed	VERB
fbem-18147	98	11	up	up	ADP
fbem-18147	98	12	service	service	NOUN
fbem-18147	98	13	delivery	delivery	NOUN
fbem-18147	98	14	and	and	CCONJ
fbem-18147	98	15	improves	improve	VERB
fbem-18147	98	16	the	the	DET
fbem-18147	98	17	overall	overall	ADJ
fbem-18147	98	18	efficiency	efficiency	NOUN
fbem-18147	98	19	of	of	ADP
fbem-18147	98	20	the	the	DET
fbem-18147	98	21	organisation	organisation	NOUN
fbem-18147	98	22	.	.	PUNCT
fbem-18147	99	1	cloud	cloud	NOUN
fbem-18147	99	2	computing	compute	VERB
fbem-18147	99	3	further	far	ADV
fbem-18147	99	4	supports	support	VERB
fbem-18147	99	5	this	this	DET
fbem-18147	99	6	goal	goal	NOUN
fbem-18147	99	7	by	by	ADP
fbem-18147	99	8	providing	provide	VERB
fbem-18147	99	9	scalable	scalable	ADJ
fbem-18147	99	10	and	and	CCONJ
fbem-18147	99	11	flexible	flexible	ADJ
fbem-18147	99	12	infrastructure	infrastructure	NOUN
fbem-18147	99	13	solutions	solution	NOUN
fbem-18147	99	14	that	that	PRON
fbem-18147	99	15	enable	enable	VERB
fbem-18147	99	16	banks	bank	NOUN
fbem-18147	99	17	to	to	PART
fbem-18147	99	18	manage	manage	VERB
fbem-18147	99	19	their	their	PRON
fbem-18147	99	20	it	it	PRON
fbem-18147	99	21	resources	resource	VERB
fbem-18147	99	22	more	more	ADV
fbem-18147	99	23	efficiently	efficiently	ADV
fbem-18147	99	24	and	and	CCONJ
fbem-18147	99	25	respond	respond	VERB
fbem-18147	99	26	quickly	quickly	ADV
fbem-18147	99	27	to	to	ADP
fbem-18147	99	28	market	market	NOUN
fbem-18147	99	29	changes	change	NOUN
fbem-18147	99	30	.	.	PUNCT
fbem-18147	100	1	finally	finally	ADV
fbem-18147	100	2	,	,	PUNCT
fbem-18147	100	3	fintech	fintech	NOUN
fbem-18147	100	4	innovation	innovation	NOUN
fbem-18147	100	5	fosters	foster	VERB
fbem-18147	100	6	a	a	DET
fbem-18147	100	7	culture	culture	NOUN
fbem-18147	100	8	of	of	ADP
fbem-18147	100	9	innovation	innovation	NOUN
fbem-18147	100	10	within	within	ADP
fbem-18147	100	11	traditional	traditional	ADJ
fbem-18147	100	12	financial	financial	ADJ
fbem-18147	100	13	institutions	institution	NOUN
fbem-18147	100	14	.	.	PUNCT
fbem-18147	101	1	the	the	DET
fbem-18147	101	2	dynamic	dynamic	ADJ
fbem-18147	101	3	nature	nature	NOUN
fbem-18147	101	4	of	of	ADP
fbem-18147	101	5	the	the	DET
fbem-18147	101	6	fintech	fintech	NOUN
fbem-18147	101	7	space	space	NOUN
fbem-18147	101	8	encourages	encourage	VERB
fbem-18147	101	9	banks	bank	NOUN
fbem-18147	101	10	to	to	PART
fbem-18147	101	11	adopt	adopt	VERB
fbem-18147	101	12	a	a	DET
fbem-18147	101	13	more	more	ADV
fbem-18147	101	14	flexible	flexible	ADJ
fbem-18147	101	15	approach	approach	NOUN
fbem-18147	101	16	to	to	ADP
fbem-18147	101	17	product	product	NOUN
fbem-18147	101	18	development	development	NOUN
fbem-18147	101	19	and	and	CCONJ
fbem-18147	101	20	customer	customer	NOUN
fbem-18147	101	21	service	service	NOUN
fbem-18147	102	1	[	[	X
fbem-18147	102	2	16	16	NUM
fbem-18147	102	3	]	]	PUNCT
fbem-18147	102	4	.	.	PUNCT
fbem-18147	103	1	this	this	DET
fbem-18147	103	2	cultural	cultural	ADJ
fbem-18147	103	3	shift	shift	NOUN
fbem-18147	103	4	promotes	promote	VERB
fbem-18147	103	5	continuous	continuous	ADJ
fbem-18147	103	6	improvement	improvement	NOUN
fbem-18147	103	7	and	and	CCONJ
fbem-18147	103	8	adaptation	adaptation	NOUN
fbem-18147	103	9	,	,	PUNCT
fbem-18147	103	10	ensuring	ensure	VERB
fbem-18147	103	11	that	that	SCONJ
fbem-18147	103	12	financial	financial	ADJ
fbem-18147	103	13	institutions	institution	NOUN
fbem-18147	103	14	remain	remain	VERB
fbem-18147	103	15	competitive	competitive	ADJ
fbem-18147	103	16	in	in	ADP
fbem-18147	103	17	a	a	DET
fbem-18147	103	18	rapidly	rapidly	ADV
fbem-18147	103	19	changing	change	VERB
fbem-18147	103	20	financial	financial	ADJ
fbem-18147	103	21	ecosystem	ecosystem	NOUN
fbem-18147	103	22	.	.	PUNCT
fbem-18147	104	1	in	in	ADP
fbem-18147	104	2	addition	addition	NOUN
fbem-18147	104	3	,	,	PUNCT
fbem-18147	104	4	collaboration	collaboration	NOUN
fbem-18147	104	5	between	between	ADP
fbem-18147	104	6	traditional	traditional	ADJ
fbem-18147	104	7	banks	bank	NOUN
fbem-18147	104	8	and	and	CCONJ
fbem-18147	104	9	fintech	fintech	NOUN
fbem-18147	104	10	companies	company	NOUN
fbem-18147	104	11	can	can	AUX
fbem-18147	104	12	facilitate	facilitate	VERB
fbem-18147	104	13	the	the	DET
fbem-18147	104	14	exchange	exchange	NOUN
fbem-18147	104	15	of	of	ADP
fbem-18147	104	16	knowledge	knowledge	NOUN
fbem-18147	104	17	and	and	CCONJ
fbem-18147	104	18	expertise	expertise	NOUN
fbem-18147	104	19	,	,	PUNCT
fbem-18147	104	20	further	far	ADV
fbem-18147	104	21	driving	drive	VERB
fbem-18147	104	22	innovation	innovation	NOUN
fbem-18147	104	23	and	and	CCONJ
fbem-18147	104	24	growth	growth	NOUN
fbem-18147	104	25	.	.	PUNCT
fbem-18147	105	1	in	in	ADP
fbem-18147	105	2	conclusion	conclusion	NOUN
fbem-18147	105	3	,	,	PUNCT
fbem-18147	105	4	while	while	SCONJ
fbem-18147	105	5	fintech	fintech	NOUN
fbem-18147	105	6	innovations	innovation	NOUN
fbem-18147	105	7	pose	pose	VERB
fbem-18147	105	8	certain	certain	ADJ
fbem-18147	105	9	challenges	challenge	NOUN
fbem-18147	105	10	to	to	ADP
fbem-18147	105	11	traditional	traditional	ADJ
fbem-18147	105	12	financial	financial	ADJ
fbem-18147	105	13	institutions	institution	NOUN
fbem-18147	105	14	,	,	PUNCT
fbem-18147	105	15	they	they	PRON
fbem-18147	105	16	also	also	ADV
fbem-18147	105	17	offer	offer	VERB
fbem-18147	105	18	a	a	DET
fbem-18147	105	19	plethora	plethora	NOUN
fbem-18147	105	20	of	of	ADP
fbem-18147	105	21	opportunities	opportunity	NOUN
fbem-18147	105	22	.	.	PUNCT
fbem-18147	106	1	by	by	ADP
fbem-18147	106	2	embracing	embrace	VERB
fbem-18147	106	3	these	these	DET
fbem-18147	106	4	innovations	innovation	NOUN
fbem-18147	106	5	,	,	PUNCT
fbem-18147	106	6	banks	bank	NOUN
fbem-18147	106	7	can	can	AUX
fbem-18147	106	8	enhance	enhance	VERB
fbem-18147	106	9	customer	customer	NOUN
fbem-18147	106	10	experience	experience	NOUN
fbem-18147	106	11	,	,	PUNCT
fbem-18147	106	12	explore	explore	VERB
fbem-18147	106	13	new	new	ADJ
fbem-18147	106	14	revenue	revenue	NOUN
fbem-18147	106	15	models	model	NOUN
fbem-18147	106	16	,	,	PUNCT
fbem-18147	106	17	improve	improve	VERB
fbem-18147	106	18	risk	risk	NOUN
fbem-18147	106	19	management	management	NOUN
fbem-18147	106	20	,	,	PUNCT
fbem-18147	106	21	increase	increase	VERB
fbem-18147	106	22	operational	operational	ADJ
fbem-18147	106	23	efficiency	efficiency	NOUN
fbem-18147	106	24	and	and	CCONJ
fbem-18147	106	25	foster	foster	VERB
fbem-18147	106	26	a	a	DET
fbem-18147	106	27	culture	culture	NOUN
fbem-18147	106	28	of	of	ADP
fbem-18147	106	29	innovation	innovation	NOUN
fbem-18147	106	30	.	.	PUNCT
fbem-18147	107	1	these	these	DET
fbem-18147	107	2	opportunities	opportunity	NOUN
fbem-18147	107	3	will	will	AUX
fbem-18147	107	4	not	not	PART
fbem-18147	107	5	only	only	ADV
fbem-18147	107	6	allow	allow	VERB
fbem-18147	107	7	traditional	traditional	ADJ
fbem-18147	107	8	financial	financial	ADJ
fbem-18147	107	9	institutions	institution	NOUN
fbem-18147	107	10	to	to	PART
fbem-18147	107	11	remain	remain	VERB
fbem-18147	107	12	competitive	competitive	ADJ
fbem-18147	107	13	in	in	ADP
fbem-18147	107	14	the	the	DET
fbem-18147	107	15	digital	digital	ADJ
fbem-18147	107	16	age	age	NOUN
fbem-18147	107	17	,	,	PUNCT
fbem-18147	107	18	but	but	CCONJ
fbem-18147	107	19	also	also	ADV
fbem-18147	107	20	contribute	contribute	VERB
fbem-18147	107	21	to	to	ADP
fbem-18147	107	22	the	the	DET
fbem-18147	107	23	broader	broad	ADJ
fbem-18147	107	24	transformation	transformation	NOUN
fbem-18147	107	25	of	of	ADP
fbem-18147	107	26	the	the	DET
fbem-18147	107	27	global	global	ADJ
fbem-18147	107	28	financial	financial	PROPN
fbem-18147	107	29	services	service	NOUN
fbem-18147	107	30	industry	industry	NOUN
fbem-18147	107	31	to	to	PART
fbem-18147	107	32	be	be	AUX
fbem-18147	107	33	more	more	ADV
fbem-18147	107	34	inclusive	inclusive	ADJ
fbem-18147	107	35	,	,	PUNCT
fbem-18147	107	36	efficient	efficient	ADJ
fbem-18147	107	37	and	and	CCONJ
fbem-18147	107	38	responsive	responsive	ADJ
fbem-18147	107	39	to	to	ADP
fbem-18147	107	40	the	the	DET
fbem-18147	107	41	needs	need	NOUN
fbem-18147	107	42	of	of	ADP
fbem-18147	107	43	modern	modern	ADJ
fbem-18147	107	44	society	society	NOUN
fbem-18147	107	45	.	.	PUNCT
fbem-18147	108	1	5	5	X
fbem-18147	108	2	.	.	X
fbem-18147	108	3	implementation	implementation	NOUN
fbem-18147	108	4	strategies	strategy	NOUN
fbem-18147	108	5	and	and	CCONJ
fbem-18147	108	6	best	good	ADJ
fbem-18147	108	7	practices	practice	NOUN
fbem-18147	108	8	in	in	ADP
fbem-18147	108	9	the	the	DET
fbem-18147	108	10	rapidly	rapidly	ADV
fbem-18147	108	11	evolving	evolve	VERB
fbem-18147	108	12	financial	financial	ADJ
fbem-18147	108	13	services	service	NOUN
fbem-18147	108	14	landscape	landscape	NOUN
fbem-18147	108	15	,	,	PUNCT
fbem-18147	108	16	traditional	traditional	ADJ
fbem-18147	108	17	financial	financial	ADJ
fbem-18147	108	18	institutions	institution	NOUN
fbem-18147	108	19	are	be	AUX
fbem-18147	108	20	dealing	deal	VERB
fbem-18147	108	21	with	with	ADP
fbem-18147	108	22	the	the	DET
fbem-18147	108	23	dual	dual	ADJ
fbem-18147	108	24	forces	force	NOUN
fbem-18147	108	25	of	of	ADP
fbem-18147	108	26	disruption	disruption	NOUN
fbem-18147	108	27	and	and	CCONJ
fbem-18147	108	28	opportunity	opportunity	NOUN
fbem-18147	108	29	presented	present	VERB
fbem-18147	108	30	by	by	ADP
fbem-18147	108	31	fintech	fintech	NOUN
fbem-18147	108	32	innovation	innovation	NOUN
fbem-18147	108	33	.	.	PUNCT
fbem-18147	109	1	to	to	PART
fbem-18147	109	2	thrive	thrive	VERB
fbem-18147	109	3	in	in	ADP
fbem-18147	109	4	this	this	DET
fbem-18147	109	5	environment	environment	NOUN
fbem-18147	109	6	,	,	PUNCT
fbem-18147	109	7	these	these	DET
fbem-18147	109	8	organisations	organisation	NOUN
fbem-18147	109	9	must	must	AUX
fbem-18147	109	10	adopt	adopt	VERB
fbem-18147	109	11	strategic	strategic	ADJ
fbem-18147	109	12	approaches	approach	NOUN
fbem-18147	109	13	and	and	CCONJ
fbem-18147	109	14	best	good	ADJ
fbem-18147	109	15	practices	practice	NOUN
fbem-18147	109	16	that	that	PRON
fbem-18147	109	17	leverage	leverage	NOUN
fbem-18147	109	18	fintech	fintech	NOUN
fbem-18147	109	19	to	to	PART
fbem-18147	109	20	improve	improve	VERB
fbem-18147	109	21	competitiveness	competitiveness	NOUN
fbem-18147	109	22	,	,	PUNCT
fbem-18147	109	23	customer	customer	NOUN
fbem-18147	109	24	31	31	NUM
fbem-18147	109	25	satisfaction	satisfaction	NOUN
fbem-18147	109	26	and	and	CCONJ
fbem-18147	109	27	operational	operational	ADJ
fbem-18147	109	28	efficiency	efficiency	NOUN
fbem-18147	109	29	.	.	PUNCT
fbem-18147	110	1	implementing	implement	VERB
fbem-18147	110	2	these	these	DET
fbem-18147	110	3	strategies	strategy	NOUN
fbem-18147	110	4	requires	require	VERB
fbem-18147	110	5	a	a	DET
fbem-18147	110	6	comprehensive	comprehensive	ADJ
fbem-18147	110	7	understanding	understanding	NOUN
fbem-18147	110	8	of	of	ADP
fbem-18147	110	9	fintech	fintech	NOUN
fbem-18147	110	10	's	's	PART
fbem-18147	110	11	potential	potential	NOUN
fbem-18147	110	12	to	to	PART
fbem-18147	110	13	transform	transform	VERB
fbem-18147	110	14	the	the	DET
fbem-18147	110	15	traditional	traditional	ADJ
fbem-18147	110	16	banking	banking	NOUN
fbem-18147	110	17	model	model	NOUN
fbem-18147	110	18	and	and	CCONJ
fbem-18147	110	19	a	a	DET
fbem-18147	110	20	commitment	commitment	NOUN
fbem-18147	110	21	to	to	ADP
fbem-18147	110	22	innovation	innovation	NOUN
fbem-18147	110	23	and	and	CCONJ
fbem-18147	110	24	agility	agility	NOUN
fbem-18147	110	25	[	[	X
fbem-18147	110	26	17	17	NUM
fbem-18147	110	27	]	]	PUNCT
fbem-18147	110	28	.	.	PUNCT
fbem-18147	111	1	a	a	DET
fbem-18147	111	2	cornerstone	cornerstone	NOUN
fbem-18147	111	3	strategy	strategy	NOUN
fbem-18147	111	4	for	for	ADP
fbem-18147	111	5	traditional	traditional	ADJ
fbem-18147	111	6	financial	financial	ADJ
fbem-18147	111	7	institutions	institution	NOUN
fbem-18147	111	8	in	in	ADP
fbem-18147	111	9	the	the	DET
fbem-18147	111	10	face	face	NOUN
fbem-18147	111	11	of	of	ADP
fbem-18147	111	12	fintech	fintech	NOUN
fbem-18147	111	13	innovation	innovation	NOUN
fbem-18147	111	14	is	be	AUX
fbem-18147	111	15	to	to	PART
fbem-18147	111	16	seek	seek	VERB
fbem-18147	111	17	strategic	strategic	ADJ
fbem-18147	111	18	partnerships	partnership	NOUN
fbem-18147	111	19	and	and	CCONJ
fbem-18147	111	20	collaborations	collaboration	NOUN
fbem-18147	111	21	.	.	PUNCT
fbem-18147	112	1	by	by	ADP
fbem-18147	112	2	partnering	partner	VERB
fbem-18147	112	3	with	with	ADP
fbem-18147	112	4	fintech	fintech	NOUN
fbem-18147	112	5	startups	startup	NOUN
fbem-18147	112	6	,	,	PUNCT
fbem-18147	112	7	banks	bank	NOUN
fbem-18147	112	8	can	can	AUX
fbem-18147	112	9	gain	gain	VERB
fbem-18147	112	10	access	access	NOUN
fbem-18147	112	11	to	to	ADP
fbem-18147	112	12	cutting	cut	VERB
fbem-18147	112	13	-	-	PUNCT
fbem-18147	112	14	edge	edge	NOUN
fbem-18147	112	15	technologies	technology	NOUN
fbem-18147	112	16	and	and	CCONJ
fbem-18147	112	17	innovative	innovative	ADJ
fbem-18147	112	18	business	business	NOUN
fbem-18147	112	19	models	model	NOUN
fbem-18147	112	20	that	that	PRON
fbem-18147	112	21	they	they	PRON
fbem-18147	112	22	may	may	AUX
fbem-18147	112	23	lack	lack	VERB
fbem-18147	112	24	internally	internally	ADV
fbem-18147	112	25	.	.	PUNCT
fbem-18147	113	1	these	these	DET
fbem-18147	113	2	collaborations	collaboration	NOUN
fbem-18147	113	3	provide	provide	VERB
fbem-18147	113	4	a	a	DET
fbem-18147	113	5	way	way	NOUN
fbem-18147	113	6	to	to	PART
fbem-18147	113	7	quickly	quickly	ADV
fbem-18147	113	8	launch	launch	VERB
fbem-18147	113	9	new	new	ADJ
fbem-18147	113	10	services	service	NOUN
fbem-18147	113	11	and	and	CCONJ
fbem-18147	113	12	products	product	NOUN
fbem-18147	113	13	that	that	PRON
fbem-18147	113	14	meet	meet	VERB
fbem-18147	113	15	customers	customer	NOUN
fbem-18147	113	16	'	'	PART
fbem-18147	113	17	evolving	evolve	VERB
fbem-18147	113	18	expectations	expectation	NOUN
fbem-18147	113	19	without	without	ADP
fbem-18147	113	20	the	the	DET
fbem-18147	113	21	need	need	NOUN
fbem-18147	113	22	for	for	ADP
fbem-18147	113	23	significant	significant	ADJ
fbem-18147	113	24	upfront	upfront	ADJ
fbem-18147	113	25	investment	investment	NOUN
fbem-18147	113	26	in	in	ADP
fbem-18147	113	27	research	research	NOUN
fbem-18147	113	28	and	and	CCONJ
fbem-18147	113	29	development	development	NOUN
fbem-18147	113	30	.	.	PUNCT
fbem-18147	114	1	in	in	ADP
fbem-18147	114	2	addition	addition	NOUN
fbem-18147	114	3	,	,	PUNCT
fbem-18147	114	4	collaborations	collaboration	NOUN
fbem-18147	114	5	with	with	ADP
fbem-18147	114	6	fintechs	fintech	NOUN
fbem-18147	114	7	enable	enable	VERB
fbem-18147	114	8	traditional	traditional	ADJ
fbem-18147	114	9	banks	bank	NOUN
fbem-18147	114	10	to	to	PART
fbem-18147	114	11	capitalise	capitalise	VERB
fbem-18147	114	12	on	on	ADP
fbem-18147	114	13	the	the	DET
fbem-18147	114	14	creativity	creativity	NOUN
fbem-18147	114	15	and	and	CCONJ
fbem-18147	114	16	agility	agility	NOUN
fbem-18147	114	17	of	of	ADP
fbem-18147	114	18	these	these	DET
fbem-18147	114	19	companies	company	NOUN
fbem-18147	114	20	to	to	PART
fbem-18147	114	21	foster	foster	VERB
fbem-18147	114	22	a	a	DET
fbem-18147	114	23	culture	culture	NOUN
fbem-18147	114	24	of	of	ADP
fbem-18147	114	25	innovation	innovation	NOUN
fbem-18147	114	26	within	within	ADP
fbem-18147	114	27	their	their	PRON
fbem-18147	114	28	own	own	ADJ
fbem-18147	114	29	businesses	business	NOUN
fbem-18147	114	30	.	.	PUNCT
fbem-18147	115	1	such	such	ADJ
fbem-18147	115	2	collaborations	collaboration	NOUN
fbem-18147	115	3	should	should	AUX
fbem-18147	115	4	be	be	AUX
fbem-18147	115	5	structured	structure	VERB
fbem-18147	115	6	to	to	PART
fbem-18147	115	7	ensure	ensure	VERB
fbem-18147	115	8	mutual	mutual	ADJ
fbem-18147	115	9	benefits	benefit	NOUN
fbem-18147	115	10	,	,	PUNCT
fbem-18147	115	11	clarity	clarity	NOUN
fbem-18147	115	12	of	of	ADP
fbem-18147	115	13	purpose	purpose	NOUN
fbem-18147	115	14	,	,	PUNCT
fbem-18147	115	15	risk	risk	NOUN
fbem-18147	115	16	sharing	sharing	NOUN
fbem-18147	115	17	and	and	CCONJ
fbem-18147	115	18	rewards	reward	NOUN
fbem-18147	115	19	that	that	PRON
fbem-18147	115	20	are	be	AUX
fbem-18147	115	21	aligned	align	VERB
fbem-18147	115	22	with	with	ADP
fbem-18147	115	23	the	the	DET
fbem-18147	115	24	strategic	strategic	ADJ
fbem-18147	115	25	objectives	objective	NOUN
fbem-18147	115	26	of	of	ADP
fbem-18147	115	27	both	both	DET
fbem-18147	115	28	parties	party	NOUN
fbem-18147	115	29	.	.	PUNCT
fbem-18147	116	1	adapting	adapt	VERB
fbem-18147	116	2	to	to	ADP
fbem-18147	116	3	the	the	DET
fbem-18147	116	4	digital	digital	ADJ
fbem-18147	116	5	-	-	PUNCT
fbem-18147	116	6	first	first	ADJ
fbem-18147	116	7	banking	banking	NOUN
fbem-18147	116	8	landscape	landscape	NOUN
fbem-18147	116	9	will	will	AUX
fbem-18147	116	10	require	require	VERB
fbem-18147	116	11	traditional	traditional	ADJ
fbem-18147	116	12	financial	financial	ADJ
fbem-18147	116	13	institutions	institution	NOUN
fbem-18147	116	14	to	to	PART
fbem-18147	116	15	undergo	undergo	VERB
fbem-18147	116	16	a	a	DET
fbem-18147	116	17	digital	digital	ADJ
fbem-18147	116	18	transformation	transformation	NOUN
fbem-18147	116	19	,	,	PUNCT
fbem-18147	116	20	reshaping	reshape	VERB
fbem-18147	116	21	their	their	PRON
fbem-18147	116	22	approach	approach	NOUN
fbem-18147	116	23	to	to	ADP
fbem-18147	116	24	service	service	NOUN
fbem-18147	116	25	delivery	delivery	NOUN
fbem-18147	116	26	,	,	PUNCT
fbem-18147	116	27	customer	customer	NOUN
fbem-18147	116	28	engagement	engagement	NOUN
fbem-18147	116	29	and	and	CCONJ
fbem-18147	116	30	internal	internal	ADJ
fbem-18147	116	31	processes	process	NOUN
fbem-18147	116	32	.	.	PUNCT
fbem-18147	117	1	this	this	DET
fbem-18147	117	2	transformation	transformation	NOUN
fbem-18147	117	3	involves	involve	VERB
fbem-18147	117	4	not	not	PART
fbem-18147	117	5	only	only	ADV
fbem-18147	117	6	the	the	DET
fbem-18147	117	7	digitisation	digitisation	NOUN
fbem-18147	117	8	of	of	ADP
fbem-18147	117	9	existing	exist	VERB
fbem-18147	117	10	services	service	NOUN
fbem-18147	117	11	,	,	PUNCT
fbem-18147	117	12	but	but	CCONJ
fbem-18147	117	13	also	also	ADV
fbem-18147	117	14	a	a	DET
fbem-18147	117	15	fundamental	fundamental	ADJ
fbem-18147	117	16	rethink	rethink	NOUN
fbem-18147	117	17	of	of	ADP
fbem-18147	117	18	the	the	DET
fbem-18147	117	19	way	way	NOUN
fbem-18147	117	20	banking	banking	NOUN
fbem-18147	117	21	is	be	AUX
fbem-18147	117	22	conducted	conduct	VERB
fbem-18147	117	23	[	[	X
fbem-18147	117	24	18	18	NUM
fbem-18147	117	25	]	]	PUNCT
fbem-18147	117	26	.	.	PUNCT
fbem-18147	118	1	institutions	institution	NOUN
fbem-18147	118	2	must	must	AUX
fbem-18147	118	3	invest	invest	VERB
fbem-18147	118	4	in	in	ADP
fbem-18147	118	5	technology	technology	NOUN
fbem-18147	118	6	platforms	platform	NOUN
fbem-18147	118	7	that	that	PRON
fbem-18147	118	8	provide	provide	VERB
fbem-18147	118	9	customers	customer	NOUN
fbem-18147	118	10	with	with	ADP
fbem-18147	118	11	a	a	DET
fbem-18147	118	12	seamless	seamless	ADJ
fbem-18147	118	13	omnichannel	omnichannel	NOUN
fbem-18147	118	14	experience	experience	NOUN
fbem-18147	118	15	,	,	PUNCT
fbem-18147	118	16	enabling	enable	VERB
fbem-18147	118	17	them	they	PRON
fbem-18147	118	18	to	to	PART
fbem-18147	118	19	access	access	NOUN
fbem-18147	118	20	services	service	NOUN
fbem-18147	118	21	anytime	anytime	ADV
fbem-18147	118	22	,	,	PUNCT
fbem-18147	118	23	anywhere	anywhere	ADV
fbem-18147	118	24	and	and	CCONJ
fbem-18147	118	25	from	from	ADP
fbem-18147	118	26	any	any	DET
fbem-18147	118	27	device	device	NOUN
fbem-18147	118	28	.	.	PUNCT
fbem-18147	119	1	implementing	implement	VERB
fbem-18147	119	2	advanced	advanced	ADJ
fbem-18147	119	3	analytics	analytic	NOUN
fbem-18147	119	4	and	and	CCONJ
fbem-18147	119	5	artificial	artificial	ADJ
fbem-18147	119	6	intelligence	intelligence	NOUN
fbem-18147	119	7	can	can	AUX
fbem-18147	119	8	personalise	personalise	VERB
fbem-18147	119	9	customer	customer	NOUN
fbem-18147	119	10	interactions	interaction	NOUN
fbem-18147	119	11	and	and	CCONJ
fbem-18147	119	12	anticipate	anticipate	VERB
fbem-18147	119	13	financial	financial	ADJ
fbem-18147	119	14	needs	need	NOUN
fbem-18147	119	15	,	,	PUNCT
fbem-18147	119	16	leading	lead	VERB
fbem-18147	119	17	to	to	ADP
fbem-18147	119	18	increased	increase	VERB
fbem-18147	119	19	customer	customer	NOUN
fbem-18147	119	20	loyalty	loyalty	NOUN
fbem-18147	119	21	and	and	CCONJ
fbem-18147	119	22	satisfaction	satisfaction	NOUN
fbem-18147	119	23	.	.	PUNCT
fbem-18147	120	1	in	in	ADP
fbem-18147	120	2	addition	addition	NOUN
fbem-18147	120	3	,	,	PUNCT
fbem-18147	120	4	digital	digital	ADJ
fbem-18147	120	5	transformation	transformation	NOUN
fbem-18147	120	6	extends	extend	VERB
fbem-18147	120	7	to	to	ADP
fbem-18147	120	8	internal	internal	ADJ
fbem-18147	120	9	processes	process	NOUN
fbem-18147	120	10	,	,	PUNCT
fbem-18147	120	11	where	where	SCONJ
fbem-18147	120	12	automation	automation	NOUN
fbem-18147	120	13	and	and	CCONJ
fbem-18147	120	14	data	datum	NOUN
fbem-18147	120	15	analytics	analytic	NOUN
fbem-18147	120	16	can	can	AUX
fbem-18147	120	17	streamline	streamline	VERB
fbem-18147	120	18	operations	operation	NOUN
fbem-18147	120	19	,	,	PUNCT
fbem-18147	120	20	reduce	reduce	VERB
fbem-18147	120	21	costs	cost	NOUN
fbem-18147	120	22	and	and	CCONJ
fbem-18147	120	23	improve	improve	VERB
fbem-18147	120	24	decision	decision	NOUN
fbem-18147	120	25	-	-	PUNCT
fbem-18147	120	26	making	making	NOUN
fbem-18147	120	27	.	.	PUNCT
fbem-18147	121	1	strengthening	strengthen	VERB
fbem-18147	121	2	cybersecurity	cybersecurity	NOUN
fbem-18147	121	3	measures	measure	NOUN
fbem-18147	121	4	is	be	AUX
fbem-18147	121	5	another	another	DET
fbem-18147	121	6	key	key	ADJ
fbem-18147	121	7	strategy	strategy	NOUN
fbem-18147	121	8	for	for	ADP
fbem-18147	121	9	the	the	DET
fbem-18147	121	10	fintech	fintech	NOUN
fbem-18147	121	11	era	era	NOUN
fbem-18147	121	12	.	.	PUNCT
fbem-18147	122	1	as	as	SCONJ
fbem-18147	122	2	financial	financial	ADJ
fbem-18147	122	3	services	service	NOUN
fbem-18147	122	4	become	become	AUX
fbem-18147	122	5	increasingly	increasingly	ADV
fbem-18147	122	6	digitised	digitise	VERB
fbem-18147	122	7	,	,	PUNCT
fbem-18147	122	8	the	the	DET
fbem-18147	122	9	risk	risk	NOUN
fbem-18147	122	10	of	of	ADP
fbem-18147	122	11	cyber	cyber	ADJ
fbem-18147	122	12	threats	threat	NOUN
fbem-18147	122	13	increases	increase	NOUN
fbem-18147	122	14	.	.	PUNCT
fbem-18147	123	1	traditional	traditional	ADJ
fbem-18147	123	2	financial	financial	ADJ
fbem-18147	123	3	institutions	institution	NOUN
fbem-18147	123	4	must	must	AUX
fbem-18147	123	5	prioritise	prioritise	VERB
fbem-18147	123	6	the	the	DET
fbem-18147	123	7	security	security	NOUN
fbem-18147	123	8	of	of	ADP
fbem-18147	123	9	their	their	PRON
fbem-18147	123	10	digital	digital	ADJ
fbem-18147	123	11	platforms	platform	NOUN
fbem-18147	123	12	with	with	ADP
fbem-18147	123	13	advanced	advanced	ADJ
fbem-18147	123	14	encryption	encryption	NOUN
fbem-18147	123	15	,	,	PUNCT
fbem-18147	123	16	secure	secure	ADJ
fbem-18147	123	17	authentication	authentication	NOUN
fbem-18147	123	18	methods	method	NOUN
fbem-18147	123	19	and	and	CCONJ
fbem-18147	123	20	continuous	continuous	ADJ
fbem-18147	123	21	monitoring	monitoring	NOUN
fbem-18147	123	22	to	to	PART
fbem-18147	123	23	protect	protect	VERB
fbem-18147	123	24	customer	customer	NOUN
fbem-18147	123	25	data	datum	NOUN
fbem-18147	123	26	and	and	CCONJ
fbem-18147	123	27	maintain	maintain	VERB
fbem-18147	123	28	trust	trust	NOUN
fbem-18147	123	29	.	.	PUNCT
fbem-18147	124	1	in	in	ADP
fbem-18147	124	2	addition	addition	NOUN
fbem-18147	124	3	,	,	PUNCT
fbem-18147	124	4	educating	educate	VERB
fbem-18147	124	5	customers	customer	NOUN
fbem-18147	124	6	about	about	ADP
fbem-18147	124	7	cybersecurity	cybersecurity	NOUN
fbem-18147	124	8	risks	risk	NOUN
fbem-18147	124	9	and	and	CCONJ
fbem-18147	124	10	safe	safe	ADJ
fbem-18147	124	11	online	online	ADJ
fbem-18147	124	12	practices	practice	NOUN
fbem-18147	124	13	is	be	AUX
fbem-18147	124	14	critical	critical	ADJ
fbem-18147	124	15	to	to	ADP
fbem-18147	124	16	protecting	protect	VERB
fbem-18147	124	17	their	their	PRON
fbem-18147	124	18	financial	financial	ADJ
fbem-18147	124	19	transactions	transaction	NOUN
fbem-18147	124	20	and	and	CCONJ
fbem-18147	124	21	personal	personal	ADJ
fbem-18147	124	22	information	information	NOUN
fbem-18147	124	23	in	in	ADP
fbem-18147	124	24	the	the	DET
fbem-18147	124	25	digital	digital	ADJ
fbem-18147	124	26	space	space	NOUN
fbem-18147	124	27	.	.	PUNCT
fbem-18147	125	1	given	give	VERB
fbem-18147	125	2	the	the	DET
fbem-18147	125	3	complex	complex	ADJ
fbem-18147	125	4	and	and	CCONJ
fbem-18147	125	5	changing	change	VERB
fbem-18147	125	6	regulatory	regulatory	ADJ
fbem-18147	125	7	environment	environment	NOUN
fbem-18147	125	8	for	for	ADP
fbem-18147	125	9	financial	financial	ADJ
fbem-18147	125	10	services	service	NOUN
fbem-18147	125	11	,	,	PUNCT
fbem-18147	125	12	compliance	compliance	NOUN
fbem-18147	125	13	remains	remain	VERB
fbem-18147	125	14	a	a	DET
fbem-18147	125	15	significant	significant	ADJ
fbem-18147	125	16	challenge	challenge	NOUN
fbem-18147	125	17	for	for	ADP
fbem-18147	125	18	integrating	integrate	VERB
fbem-18147	125	19	fintech	fintech	NOUN
fbem-18147	125	20	innovation	innovation	NOUN
fbem-18147	125	21	.	.	PUNCT
fbem-18147	126	1	institutions	institution	NOUN
fbem-18147	126	2	must	must	AUX
fbem-18147	126	3	take	take	VERB
fbem-18147	126	4	a	a	DET
fbem-18147	126	5	proactive	proactive	ADJ
fbem-18147	126	6	approach	approach	NOUN
fbem-18147	126	7	to	to	ADP
fbem-18147	126	8	compliance	compliance	NOUN
fbem-18147	126	9	,	,	PUNCT
fbem-18147	126	10	stay	stay	VERB
fbem-18147	126	11	ahead	ahead	ADV
fbem-18147	126	12	of	of	ADP
fbem-18147	126	13	regulatory	regulatory	ADJ
fbem-18147	126	14	changes	change	NOUN
fbem-18147	126	15	and	and	CCONJ
fbem-18147	126	16	work	work	VERB
fbem-18147	126	17	with	with	ADP
fbem-18147	126	18	regulators	regulator	NOUN
fbem-18147	126	19	to	to	PART
fbem-18147	126	20	understand	understand	VERB
fbem-18147	126	21	their	their	PRON
fbem-18147	126	22	expectations	expectation	NOUN
fbem-18147	126	23	and	and	CCONJ
fbem-18147	126	24	requirements	requirement	NOUN
fbem-18147	126	25	[	[	X
fbem-18147	126	26	19	19	NUM
fbem-18147	126	27	]	]	PUNCT
fbem-18147	126	28	.	.	PUNCT
fbem-18147	127	1	leveraging	leverage	VERB
fbem-18147	127	2	regtech	regtech	NOUN
fbem-18147	127	3	solutions	solution	NOUN
fbem-18147	127	4	(	(	PUNCT
fbem-18147	127	5	applying	apply	VERB
fbem-18147	127	6	technology	technology	NOUN
fbem-18147	127	7	to	to	PART
fbem-18147	127	8	improve	improve	VERB
fbem-18147	127	9	regulatory	regulatory	ADJ
fbem-18147	127	10	compliance	compliance	NOUN
fbem-18147	127	11	processes	process	NOUN
fbem-18147	127	12	)	)	PUNCT
fbem-18147	127	13	can	can	AUX
fbem-18147	127	14	help	help	VERB
fbem-18147	127	15	institutions	institution	NOUN
fbem-18147	127	16	deal	deal	VERB
fbem-18147	127	17	with	with	ADP
fbem-18147	127	18	this	this	DET
fbem-18147	127	19	complexity	complexity	NOUN
fbem-18147	127	20	efficiently	efficiently	ADV
fbem-18147	127	21	and	and	CCONJ
fbem-18147	127	22	reduce	reduce	VERB
fbem-18147	127	23	the	the	DET
fbem-18147	127	24	risk	risk	NOUN
fbem-18147	127	25	of	of	ADP
fbem-18147	127	26	noncompliance	noncompliance	NOUN
fbem-18147	127	27	and	and	CCONJ
fbem-18147	127	28	associated	associated	ADJ
fbem-18147	127	29	penalties	penalty	NOUN
fbem-18147	127	30	.	.	PUNCT
fbem-18147	128	1	finally	finally	ADV
fbem-18147	128	2	,	,	PUNCT
fbem-18147	128	3	fostering	foster	VERB
fbem-18147	128	4	a	a	DET
fbem-18147	128	5	culture	culture	NOUN
fbem-18147	128	6	of	of	ADP
fbem-18147	128	7	innovation	innovation	NOUN
fbem-18147	128	8	within	within	ADP
fbem-18147	128	9	traditional	traditional	ADJ
fbem-18147	128	10	financial	financial	ADJ
fbem-18147	128	11	institutions	institution	NOUN
fbem-18147	128	12	is	be	AUX
fbem-18147	128	13	critical	critical	ADJ
fbem-18147	128	14	to	to	ADP
fbem-18147	128	15	capitalising	capitalise	VERB
fbem-18147	128	16	on	on	ADP
fbem-18147	128	17	fintech	fintech	NOUN
fbem-18147	128	18	opportunities	opportunity	NOUN
fbem-18147	128	19	.	.	PUNCT
fbem-18147	129	1	this	this	PRON
fbem-18147	129	2	includes	include	VERB
fbem-18147	129	3	not	not	PART
fbem-18147	129	4	only	only	ADV
fbem-18147	129	5	embracing	embrace	VERB
fbem-18147	129	6	new	new	ADJ
fbem-18147	129	7	technologies	technology	NOUN
fbem-18147	129	8	,	,	PUNCT
fbem-18147	129	9	but	but	CCONJ
fbem-18147	129	10	also	also	ADV
fbem-18147	129	11	encouraging	encourage	VERB
fbem-18147	129	12	employees	employee	NOUN
fbem-18147	129	13	to	to	PART
fbem-18147	129	14	shift	shift	VERB
fbem-18147	129	15	their	their	PRON
fbem-18147	129	16	mindset	mindset	NOUN
fbem-18147	129	17	to	to	PART
fbem-18147	129	18	support	support	VERB
fbem-18147	129	19	experimentation	experimentation	NOUN
fbem-18147	129	20	,	,	PUNCT
fbem-18147	129	21	flexibility	flexibility	NOUN
fbem-18147	129	22	and	and	CCONJ
fbem-18147	129	23	customercentric	customercentric	ADJ
fbem-18147	129	24	thinking	thinking	NOUN
fbem-18147	129	25	.	.	PUNCT
fbem-18147	130	1	financial	financial	ADJ
fbem-18147	130	2	institutions	institution	NOUN
fbem-18147	130	3	should	should	AUX
fbem-18147	130	4	establish	establish	VERB
fbem-18147	130	5	innovation	innovation	NOUN
fbem-18147	130	6	labs	lab	NOUN
fbem-18147	130	7	,	,	PUNCT
fbem-18147	130	8	hackathons	hackathon	NOUN
fbem-18147	130	9	and	and	CCONJ
fbem-18147	130	10	incubator	incubator	NOUN
fbem-18147	130	11	programmes	programme	NOUN
fbem-18147	130	12	to	to	PART
fbem-18147	130	13	explore	explore	VERB
fbem-18147	130	14	new	new	ADJ
fbem-18147	130	15	ideas	idea	NOUN
fbem-18147	130	16	and	and	CCONJ
fbem-18147	130	17	technologies	technology	NOUN
fbem-18147	130	18	.	.	PUNCT
fbem-18147	131	1	by	by	ADP
fbem-18147	131	2	creating	create	VERB
fbem-18147	131	3	an	an	DET
fbem-18147	131	4	environment	environment	NOUN
fbem-18147	131	5	that	that	PRON
fbem-18147	131	6	values	value	VERB
fbem-18147	131	7	learning	learn	VERB
fbem-18147	131	8	,	,	PUNCT
fbem-18147	131	9	adaptation	adaptation	NOUN
fbem-18147	131	10	and	and	CCONJ
fbem-18147	131	11	collaboration	collaboration	NOUN
fbem-18147	131	12	,	,	PUNCT
fbem-18147	131	13	banks	bank	NOUN
fbem-18147	131	14	can	can	AUX
fbem-18147	131	15	drive	drive	VERB
fbem-18147	131	16	continuous	continuous	ADJ
fbem-18147	131	17	improvement	improvement	NOUN
fbem-18147	131	18	and	and	CCONJ
fbem-18147	131	19	remain	remain	VERB
fbem-18147	131	20	competitive	competitive	ADJ
fbem-18147	131	21	in	in	ADP
fbem-18147	131	22	the	the	DET
fbem-18147	131	23	fast	fast	ADV
fbem-18147	131	24	-	-	PUNCT
fbem-18147	131	25	paced	pace	VERB
fbem-18147	131	26	world	world	NOUN
fbem-18147	131	27	of	of	ADP
fbem-18147	131	28	fintech	fintech	NOUN
fbem-18147	131	29	.	.	PUNCT
fbem-18147	132	1	in	in	ADP
fbem-18147	132	2	summary	summary	NOUN
fbem-18147	132	3	,	,	PUNCT
fbem-18147	132	4	the	the	DET
fbem-18147	132	5	challenges	challenge	NOUN
fbem-18147	132	6	and	and	CCONJ
fbem-18147	132	7	opportunities	opportunity	NOUN
fbem-18147	132	8	presented	present	VERB
fbem-18147	132	9	by	by	ADP
fbem-18147	132	10	fintech	fintech	NOUN
fbem-18147	132	11	innovation	innovation	NOUN
fbem-18147	132	12	require	require	VERB
fbem-18147	132	13	a	a	DET
fbem-18147	132	14	multifaceted	multifaceted	ADJ
fbem-18147	132	15	strategic	strategic	ADJ
fbem-18147	132	16	approach	approach	NOUN
fbem-18147	132	17	from	from	ADP
fbem-18147	132	18	traditional	traditional	ADJ
fbem-18147	132	19	financial	financial	ADJ
fbem-18147	132	20	institutions	institution	NOUN
fbem-18147	132	21	.	.	PUNCT
fbem-18147	133	1	by	by	ADP
fbem-18147	133	2	seeking	seek	VERB
fbem-18147	133	3	to	to	PART
fbem-18147	133	4	partner	partner	VERB
fbem-18147	133	5	with	with	ADP
fbem-18147	133	6	fintechs	fintech	NOUN
fbem-18147	133	7	,	,	PUNCT
fbem-18147	133	8	transforming	transform	VERB
fbem-18147	133	9	digitally	digitally	ADV
fbem-18147	133	10	,	,	PUNCT
fbem-18147	133	11	strengthening	strengthen	VERB
fbem-18147	133	12	cybersecurity	cybersecurity	NOUN
fbem-18147	133	13	,	,	PUNCT
fbem-18147	133	14	ensuring	ensure	VERB
fbem-18147	133	15	regulatory	regulatory	ADJ
fbem-18147	133	16	compliance	compliance	NOUN
fbem-18147	133	17	,	,	PUNCT
fbem-18147	133	18	and	and	CCONJ
fbem-18147	133	19	fostering	foster	VERB
fbem-18147	133	20	a	a	DET
fbem-18147	133	21	culture	culture	NOUN
fbem-18147	133	22	of	of	ADP
fbem-18147	133	23	innovation	innovation	NOUN
fbem-18147	133	24	,	,	PUNCT
fbem-18147	133	25	these	these	DET
fbem-18147	133	26	institutions	institution	NOUN
fbem-18147	133	27	can	can	AUX
fbem-18147	133	28	navigate	navigate	VERB
fbem-18147	133	29	the	the	DET
fbem-18147	133	30	complexities	complexity	NOUN
fbem-18147	133	31	of	of	ADP
fbem-18147	133	32	the	the	DET
fbem-18147	133	33	digital	digital	ADJ
fbem-18147	133	34	age	age	NOUN
fbem-18147	133	35	.	.	PUNCT
fbem-18147	134	1	these	these	DET
fbem-18147	134	2	strategies	strategy	NOUN
fbem-18147	134	3	and	and	CCONJ
fbem-18147	134	4	best	good	ADJ
fbem-18147	134	5	practices	practice	NOUN
fbem-18147	134	6	enable	enable	VERB
fbem-18147	134	7	traditional	traditional	ADJ
fbem-18147	134	8	banks	bank	NOUN
fbem-18147	134	9	to	to	PART
fbem-18147	134	10	use	use	VERB
fbem-18147	134	11	fintech	fintech	NOUN
fbem-18147	134	12	innovations	innovation	NOUN
fbem-18147	134	13	to	to	ADP
fbem-18147	134	14	their	their	PRON
fbem-18147	134	15	advantage	advantage	NOUN
fbem-18147	134	16	,	,	PUNCT
fbem-18147	134	17	enhance	enhance	VERB
fbem-18147	134	18	their	their	PRON
fbem-18147	134	19	offerings	offering	NOUN
fbem-18147	134	20	,	,	PUNCT
fbem-18147	134	21	improve	improve	VERB
fbem-18147	134	22	operational	operational	ADJ
fbem-18147	134	23	efficiencies	efficiency	NOUN
fbem-18147	134	24	,	,	PUNCT
fbem-18147	134	25	and	and	CCONJ
fbem-18147	134	26	ultimately	ultimately	ADV
fbem-18147	134	27	secure	secure	VERB
fbem-18147	134	28	their	their	PRON
fbem-18147	134	29	place	place	NOUN
fbem-18147	134	30	in	in	ADP
fbem-18147	134	31	the	the	DET
fbem-18147	134	32	future	future	NOUN
fbem-18147	134	33	of	of	ADP
fbem-18147	134	34	finance	finance	NOUN
fbem-18147	134	35	.	.	PUNCT
fbem-18147	135	1	6	6	X
fbem-18147	135	2	.	.	X
fbem-18147	135	3	future	future	ADJ
fbem-18147	135	4	outlook	outlook	NOUN
fbem-18147	135	5	and	and	CCONJ
fbem-18147	135	6	trends	trend	VERB
fbem-18147	135	7	the	the	DET
fbem-18147	135	8	future	future	ADJ
fbem-18147	135	9	landscape	landscape	NOUN
fbem-18147	135	10	of	of	ADP
fbem-18147	135	11	the	the	DET
fbem-18147	135	12	financial	financial	ADJ
fbem-18147	135	13	services	service	NOUN
fbem-18147	135	14	industry	industry	NOUN
fbem-18147	135	15	is	be	AUX
fbem-18147	135	16	shaped	shape	VERB
fbem-18147	135	17	by	by	ADP
fbem-18147	135	18	the	the	DET
fbem-18147	135	19	relentless	relentless	ADJ
fbem-18147	135	20	advance	advance	NOUN
fbem-18147	135	21	of	of	ADP
fbem-18147	135	22	fintech	fintech	NOUN
fbem-18147	135	23	innovation	innovation	NOUN
fbem-18147	135	24	,	,	PUNCT
fbem-18147	135	25	creating	create	VERB
fbem-18147	135	26	complex	complex	ADJ
fbem-18147	135	27	challenges	challenge	NOUN
fbem-18147	135	28	and	and	CCONJ
fbem-18147	135	29	opportunities	opportunity	NOUN
fbem-18147	135	30	for	for	ADP
fbem-18147	135	31	traditional	traditional	ADJ
fbem-18147	135	32	financial	financial	ADJ
fbem-18147	135	33	institutions	institution	NOUN
fbem-18147	135	34	.	.	PUNCT
fbem-18147	136	1	looking	look	VERB
fbem-18147	136	2	ahead	ahead	ADV
fbem-18147	136	3	,	,	PUNCT
fbem-18147	136	4	the	the	DET
fbem-18147	136	5	interplay	interplay	NOUN
fbem-18147	136	6	between	between	ADP
fbem-18147	136	7	emerging	emerge	VERB
fbem-18147	136	8	technologies	technology	NOUN
fbem-18147	136	9	,	,	PUNCT
fbem-18147	136	10	evolving	evolve	VERB
fbem-18147	136	11	consumer	consumer	NOUN
fbem-18147	136	12	behaviour	behaviour	NOUN
fbem-18147	136	13	,	,	PUNCT
fbem-18147	136	14	regulatory	regulatory	ADJ
fbem-18147	136	15	developments	development	NOUN
fbem-18147	136	16	and	and	CCONJ
fbem-18147	136	17	the	the	DET
fbem-18147	136	18	global	global	ADJ
fbem-18147	136	19	economic	economic	ADJ
fbem-18147	136	20	environment	environment	NOUN
fbem-18147	136	21	will	will	AUX
fbem-18147	136	22	determine	determine	VERB
fbem-18147	136	23	new	new	ADJ
fbem-18147	136	24	trends	trend	NOUN
fbem-18147	136	25	and	and	CCONJ
fbem-18147	136	26	directions	direction	NOUN
fbem-18147	136	27	for	for	ADP
fbem-18147	136	28	both	both	PRON
fbem-18147	136	29	fintech	fintech	NOUN
fbem-18147	136	30	and	and	CCONJ
fbem-18147	136	31	traditional	traditional	ADJ
fbem-18147	136	32	banking	banking	NOUN
fbem-18147	136	33	.	.	PUNCT
fbem-18147	137	1	in	in	ADP
fbem-18147	137	2	navigating	navigate	VERB
fbem-18147	137	3	the	the	DET
fbem-18147	137	4	future	future	NOUN
fbem-18147	137	5	,	,	PUNCT
fbem-18147	137	6	traditional	traditional	ADJ
fbem-18147	137	7	financial	financial	ADJ
fbem-18147	137	8	institutions	institution	NOUN
fbem-18147	137	9	will	will	AUX
fbem-18147	137	10	find	find	VERB
fbem-18147	137	11	themselves	themselves	PRON
fbem-18147	137	12	at	at	ADP
fbem-18147	137	13	a	a	DET
fbem-18147	137	14	crossroads	crossroad	NOUN
fbem-18147	137	15	of	of	ADP
fbem-18147	137	16	adaptation	adaptation	NOUN
fbem-18147	137	17	and	and	CCONJ
fbem-18147	137	18	reinvention	reinvention	NOUN
fbem-18147	137	19	,	,	PUNCT
fbem-18147	137	20	with	with	ADP
fbem-18147	137	21	the	the	DET
fbem-18147	137	22	strategic	strategic	ADJ
fbem-18147	137	23	integration	integration	NOUN
fbem-18147	137	24	of	of	ADP
fbem-18147	137	25	fintech	fintech	NOUN
fbem-18147	137	26	innovation	innovation	NOUN
fbem-18147	137	27	potentially	potentially	ADV
fbem-18147	137	28	redefining	redefine	VERB
fbem-18147	137	29	their	their	PRON
fbem-18147	137	30	role	role	NOUN
fbem-18147	137	31	in	in	ADP
fbem-18147	137	32	the	the	DET
fbem-18147	137	33	global	global	ADJ
fbem-18147	137	34	financial	financial	ADJ
fbem-18147	137	35	ecosystem	ecosystem	NOUN
fbem-18147	137	36	.	.	PUNCT
fbem-18147	138	1	the	the	DET
fbem-18147	138	2	trajectory	trajectory	NOUN
fbem-18147	138	3	of	of	ADP
fbem-18147	138	4	fintech	fintech	NOUN
fbem-18147	138	5	innovation	innovation	NOUN
fbem-18147	138	6	suggests	suggest	VERB
fbem-18147	138	7	that	that	SCONJ
fbem-18147	138	8	digital	digital	ADJ
fbem-18147	138	9	and	and	CCONJ
fbem-18147	138	10	mobile	mobile	ADJ
fbem-18147	138	11	banking	banking	NOUN
fbem-18147	138	12	platforms	platform	NOUN
fbem-18147	138	13	will	will	AUX
fbem-18147	138	14	be	be	AUX
fbem-18147	138	15	the	the	DET
fbem-18147	138	16	primary	primary	ADJ
fbem-18147	138	17	channels	channel	NOUN
fbem-18147	138	18	for	for	ADP
fbem-18147	138	19	financial	financial	ADJ
fbem-18147	138	20	transactions	transaction	NOUN
fbem-18147	138	21	and	and	CCONJ
fbem-18147	138	22	services	service	NOUN
fbem-18147	138	23	in	in	ADP
fbem-18147	138	24	the	the	DET
fbem-18147	138	25	future	future	NOUN
fbem-18147	138	26	.	.	PUNCT
fbem-18147	139	1	the	the	DET
fbem-18147	139	2	global	global	ADJ
fbem-18147	139	3	spread	spread	NOUN
fbem-18147	139	4	of	of	ADP
fbem-18147	139	5	smartphones	smartphone	NOUN
fbem-18147	139	6	and	and	CCONJ
fbem-18147	139	7	the	the	DET
fbem-18147	139	8	internet	internet	NOUN
fbem-18147	139	9	continues	continue	VERB
fbem-18147	139	10	to	to	PART
fbem-18147	139	11	democratise	democratise	VERB
fbem-18147	139	12	financial	financial	ADJ
fbem-18147	139	13	services	service	NOUN
fbem-18147	139	14	,	,	PUNCT
fbem-18147	139	15	making	make	VERB
fbem-18147	139	16	them	they	PRON
fbem-18147	139	17	accessible	accessible	ADJ
fbem-18147	139	18	to	to	ADP
fbem-18147	139	19	previously	previously	ADV
fbem-18147	139	20	underserved	underserved	ADJ
fbem-18147	139	21	or	or	CCONJ
fbem-18147	139	22	unbanked	unbanked	ADJ
fbem-18147	139	23	populations	population	NOUN
fbem-18147	139	24	.	.	PUNCT
fbem-18147	140	1	this	this	DET
fbem-18147	140	2	trend	trend	NOUN
fbem-18147	140	3	towards	towards	ADP
fbem-18147	140	4	digital	digital	ADJ
fbem-18147	140	5	-	-	PUNCT
fbem-18147	140	6	first	first	ADJ
fbem-18147	140	7	banking	banking	NOUN
fbem-18147	140	8	is	be	AUX
fbem-18147	140	9	expected	expect	VERB
fbem-18147	140	10	to	to	PART
fbem-18147	140	11	accelerate	accelerate	VERB
fbem-18147	140	12	,	,	PUNCT
fbem-18147	140	13	driven	drive	VERB
fbem-18147	140	14	by	by	ADP
fbem-18147	140	15	consumer	consumer	NOUN
fbem-18147	140	16	demand	demand	NOUN
fbem-18147	140	17	for	for	ADP
fbem-18147	140	18	convenient	convenient	ADJ
fbem-18147	140	19	,	,	PUNCT
fbem-18147	140	20	fast	fast	ADJ
fbem-18147	140	21	and	and	CCONJ
fbem-18147	140	22	personalised	personalised	ADJ
fbem-18147	140	23	financial	financial	ADJ
fbem-18147	140	24	solutions	solution	NOUN
fbem-18147	140	25	.	.	PUNCT
fbem-18147	141	1	traditional	traditional	ADJ
fbem-18147	141	2	financial	financial	ADJ
fbem-18147	141	3	institutions	institution	NOUN
fbem-18147	141	4	will	will	AUX
fbem-18147	141	5	need	need	VERB
fbem-18147	141	6	to	to	PART
fbem-18147	141	7	further	far	ADV
fbem-18147	141	8	embrace	embrace	VERB
fbem-18147	141	9	digital	digital	ADJ
fbem-18147	141	10	transformation	transformation	NOUN
fbem-18147	141	11	not	not	PART
fbem-18147	141	12	only	only	ADV
fbem-18147	141	13	as	as	ADP
fbem-18147	141	14	a	a	DET
fbem-18147	141	15	competitive	competitive	ADJ
fbem-18147	141	16	strategy	strategy	NOUN
fbem-18147	141	17	,	,	PUNCT
fbem-18147	141	18	but	but	CCONJ
fbem-18147	141	19	also	also	ADV
fbem-18147	141	20	as	as	ADP
fbem-18147	141	21	a	a	DET
fbem-18147	141	22	fundamental	fundamental	ADJ
fbem-18147	141	23	operational	operational	ADJ
fbem-18147	141	24	shift	shift	NOUN
fbem-18147	141	25	to	to	PART
fbem-18147	141	26	meet	meet	VERB
fbem-18147	141	27	these	these	DET
fbem-18147	141	28	evolving	evolve	VERB
fbem-18147	141	29	customer	customer	NOUN
fbem-18147	141	30	expectations	expectation	NOUN
fbem-18147	141	31	and	and	CCONJ
fbem-18147	141	32	remain	remain	VERB
fbem-18147	141	33	relevant	relevant	ADJ
fbem-18147	141	34	in	in	ADP
fbem-18147	141	35	a	a	DET
fbem-18147	141	36	marketplace	marketplace	NOUN
fbem-18147	141	37	that	that	PRON
fbem-18147	141	38	is	be	AUX
fbem-18147	141	39	increasingly	increasingly	ADV
fbem-18147	141	40	dominated	dominate	VERB
fbem-18147	141	41	by	by	ADP
fbem-18147	141	42	tech	tech	NOUN
fbem-18147	141	43	-	-	PUNCT
fbem-18147	141	44	savvy	savvy	ADJ
fbem-18147	141	45	players	player	NOUN
fbem-18147	141	46	.	.	PUNCT
fbem-18147	142	1	blockchain	blockchain	PROPN
fbem-18147	142	2	technology	technology	PROPN
fbem-18147	142	3	has	have	VERB
fbem-18147	142	4	the	the	DET
fbem-18147	142	5	potential	potential	NOUN
fbem-18147	142	6	to	to	PART
fbem-18147	142	7	disrupt	disrupt	VERB
fbem-18147	142	8	the	the	DET
fbem-18147	142	9	traditional	traditional	ADJ
fbem-18147	142	10	banking	banking	NOUN
fbem-18147	142	11	model	model	NOUN
fbem-18147	142	12	through	through	ADP
fbem-18147	142	13	decentralised	decentralise	VERB
fbem-18147	142	14	finance	finance	NOUN
fbem-18147	142	15	(	(	PUNCT
fbem-18147	142	16	defi	defi	PROPN
fbem-18147	142	17	)	)	PUNCT
fbem-18147	142	18	and	and	CCONJ
fbem-18147	142	19	smart	smart	ADJ
fbem-18147	142	20	contracts	contract	NOUN
fbem-18147	142	21	,	,	PUNCT
fbem-18147	142	22	promising	promise	VERB
fbem-18147	142	23	to	to	PART
fbem-18147	142	24	reshape	reshape	VERB
fbem-18147	142	25	the	the	DET
fbem-18147	142	26	future	future	NOUN
fbem-18147	142	27	of	of	ADP
fbem-18147	142	28	financial	financial	ADJ
fbem-18147	142	29	transactions	transaction	NOUN
fbem-18147	142	30	.	.	PUNCT
fbem-18147	143	1	as	as	SCONJ
fbem-18147	143	2	blockchain	blockchain	PROPN
fbem-18147	143	3	platforms	platform	NOUN
fbem-18147	143	4	become	become	VERB
fbem-18147	143	5	more	more	ADV
fbem-18147	143	6	robust	robust	ADJ
fbem-18147	143	7	,	,	PUNCT
fbem-18147	143	8	secure	secure	ADJ
fbem-18147	143	9	and	and	CCONJ
fbem-18147	143	10	scalable	scalable	ADJ
fbem-18147	143	11	,	,	PUNCT
fbem-18147	143	12	we	we	PRON
fbem-18147	143	13	can	can	AUX
fbem-18147	143	14	expect	expect	VERB
fbem-18147	143	15	to	to	PART
fbem-18147	143	16	see	see	VERB
fbem-18147	143	17	a	a	DET
fbem-18147	143	18	major	major	ADJ
fbem-18147	143	19	shift	shift	NOUN
fbem-18147	143	20	in	in	ADP
fbem-18147	143	21	the	the	DET
fbem-18147	143	22	way	way	NOUN
fbem-18147	143	23	financial	financial	ADJ
fbem-18147	143	24	assets	asset	NOUN
fbem-18147	143	25	are	be	AUX
fbem-18147	143	26	created	create	VERB
fbem-18147	143	27	,	,	PUNCT
fbem-18147	143	28	traded	trade	VERB
fbem-18147	143	29	and	and	CCONJ
fbem-18147	143	30	managed	manage	VERB
fbem-18147	143	31	.	.	PUNCT
fbem-18147	144	1	traditional	traditional	ADJ
fbem-18147	144	2	banks	bank	NOUN
fbem-18147	144	3	may	may	AUX
fbem-18147	144	4	see	see	VERB
fbem-18147	144	5	opportunities	opportunity	NOUN
fbem-18147	144	6	to	to	PART
fbem-18147	144	7	adopt	adopt	VERB
fbem-18147	144	8	blockchain	blockchain	VERB
fbem-18147	144	9	to	to	PART
fbem-18147	144	10	streamline	streamline	VERB
fbem-18147	144	11	operations	operation	NOUN
fbem-18147	144	12	,	,	PUNCT
fbem-18147	144	13	reduce	reduce	VERB
fbem-18147	144	14	fraud	fraud	NOUN
fbem-18147	144	15	and	and	CCONJ
fbem-18147	144	16	increase	increase	VERB
fbem-18147	144	17	transparency	transparency	NOUN
fbem-18147	144	18	.	.	PUNCT
fbem-18147	145	1	however	however	ADV
fbem-18147	145	2	,	,	PUNCT
fbem-18147	145	3	they	they	PRON
fbem-18147	145	4	will	will	AUX
fbem-18147	145	5	also	also	ADV
fbem-18147	145	6	face	face	VERB
fbem-18147	145	7	challenges	challenge	NOUN
fbem-18147	145	8	in	in	ADP
fbem-18147	145	9	integrating	integrate	VERB
fbem-18147	145	10	this	this	DET
fbem-18147	145	11	technology	technology	NOUN
fbem-18147	145	12	with	with	ADP
fbem-18147	145	13	existing	exist	VERB
fbem-18147	145	14	regulatory	regulatory	ADJ
fbem-18147	145	15	frameworks	framework	NOUN
fbem-18147	145	16	and	and	CCONJ
fbem-18147	145	17	redefining	redefine	VERB
fbem-18147	145	18	its	its	PRON
fbem-18147	145	19	role	role	NOUN
fbem-18147	145	20	in	in	ADP
fbem-18147	145	21	potentially	potentially	ADV
fbem-18147	145	22	disintermediated	disintermediate	VERB
fbem-18147	145	23	financial	financial	ADJ
fbem-18147	145	24	markets	market	NOUN
fbem-18147	145	25	.	.	PUNCT
fbem-18147	146	1	artificial	artificial	ADJ
fbem-18147	146	2	intelligence	intelligence	NOUN
fbem-18147	146	3	(	(	PUNCT
fbem-18147	146	4	ai	ai	NOUN
fbem-18147	146	5	)	)	PUNCT
fbem-18147	146	6	and	and	CCONJ
fbem-18147	146	7	machine	machine	NOUN
fbem-18147	146	8	learning	learning	NOUN
fbem-18147	146	9	(	(	PUNCT
fbem-18147	146	10	ml	ml	NOUN
fbem-18147	146	11	)	)	PUNCT
fbem-18147	146	12	will	will	AUX
fbem-18147	146	13	continue	continue	VERB
fbem-18147	146	14	to	to	PART
fbem-18147	146	15	transform	transform	VERB
fbem-18147	146	16	the	the	DET
fbem-18147	146	17	financial	financial	ADJ
fbem-18147	146	18	services	service	NOUN
fbem-18147	146	19	industry	industry	NOUN
fbem-18147	146	20	,	,	PUNCT
fbem-18147	146	21	delivering	deliver	VERB
fbem-18147	146	22	a	a	DET
fbem-18147	146	23	more	more	ADV
fbem-18147	146	24	personalised	personalised	ADJ
fbem-18147	146	25	,	,	PUNCT
fbem-18147	146	26	efficient	efficient	ADJ
fbem-18147	146	27	and	and	CCONJ
fbem-18147	146	28	secure	secure	VERB
fbem-18147	146	29	banking	banking	NOUN
fbem-18147	146	30	experience	experience	NOUN
fbem-18147	146	31	.	.	PUNCT
fbem-18147	147	1	the	the	DET
fbem-18147	147	2	application	application	NOUN
fbem-18147	147	3	of	of	ADP
fbem-18147	147	4	ai	ai	NOUN
fbem-18147	147	5	in	in	ADP
fbem-18147	147	6	predictive	predictive	ADJ
fbem-18147	147	7	analytics	analytic	NOUN
fbem-18147	147	8	,	,	PUNCT
fbem-18147	147	9	customer	customer	NOUN
fbem-18147	147	10	service	service	NOUN
fbem-18147	147	11	(	(	PUNCT
fbem-18147	147	12	through	through	ADP
fbem-18147	147	13	chatbots	chatbot	NOUN
fbem-18147	147	14	and	and	CCONJ
fbem-18147	147	15	ai	ai	AUX
fbem-18147	147	16	-	-	PUNCT
fbem-18147	147	17	powered	powered	ADJ
fbem-18147	147	18	advisors	advisor	NOUN
fbem-18147	147	19	)	)	PUNCT
fbem-18147	147	20	,	,	PUNCT
fbem-18147	147	21	risk	risk	NOUN
fbem-18147	147	22	management	management	NOUN
fbem-18147	147	23	and	and	CCONJ
fbem-18147	147	24	fraud	fraud	NOUN
fbem-18147	147	25	detection	detection	NOUN
fbem-18147	147	26	will	will	AUX
fbem-18147	147	27	become	become	VERB
fbem-18147	147	28	more	more	ADV
fbem-18147	147	29	sophisticated	sophisticated	ADJ
fbem-18147	147	30	,	,	PUNCT
fbem-18147	147	31	offering	offer	VERB
fbem-18147	147	32	traditional	traditional	ADJ
fbem-18147	147	33	banks	bank	NOUN
fbem-18147	147	34	the	the	DET
fbem-18147	147	35	opportunity	opportunity	NOUN
fbem-18147	147	36	to	to	PART
fbem-18147	147	37	improve	improve	VERB
fbem-18147	147	38	service	service	NOUN
fbem-18147	147	39	and	and	CCONJ
fbem-18147	147	40	operational	operational	ADJ
fbem-18147	147	41	efficiency	efficiency	NOUN
fbem-18147	147	42	.	.	PUNCT
fbem-18147	148	1	however	however	ADV
fbem-18147	148	2	,	,	PUNCT
fbem-18147	148	3	the	the	DET
fbem-18147	148	4	adoption	adoption	NOUN
fbem-18147	148	5	of	of	ADP
fbem-18147	148	6	ai	ai	VERB
fbem-18147	148	7	also	also	ADV
fbem-18147	148	8	raises	raise	VERB
fbem-18147	148	9	ethical	ethical	ADJ
fbem-18147	148	10	and	and	CCONJ
fbem-18147	148	11	privacy	privacy	NOUN
fbem-18147	148	12	issues	issue	NOUN
fbem-18147	148	13	,	,	PUNCT
fbem-18147	148	14	which	which	PRON
fbem-18147	148	15	institutions	institution	NOUN
fbem-18147	148	16	will	will	AUX
fbem-18147	148	17	need	need	VERB
fbem-18147	148	18	to	to	PART
fbem-18147	148	19	address	address	VERB
fbem-18147	148	20	to	to	PART
fbem-18147	148	21	ensure	ensure	VERB
fbem-18147	148	22	responsible	responsible	ADJ
fbem-18147	148	23	and	and	CCONJ
fbem-18147	148	24	transparent	transparent	ADJ
fbem-18147	148	25	use	use	NOUN
fbem-18147	148	26	of	of	ADP
fbem-18147	148	27	these	these	DET
fbem-18147	148	28	technologies	technology	NOUN
fbem-18147	148	29	.	.	PUNCT
fbem-18147	149	1	32	32	NUM
fbem-18147	150	1	the	the	DET
fbem-18147	150	2	regulatory	regulatory	ADJ
fbem-18147	150	3	environment	environment	NOUN
fbem-18147	150	4	for	for	ADP
fbem-18147	150	5	fintech	fintech	NOUN
fbem-18147	150	6	and	and	CCONJ
fbem-18147	150	7	traditional	traditional	ADJ
fbem-18147	150	8	financial	financial	ADJ
fbem-18147	150	9	services	service	NOUN
fbem-18147	150	10	is	be	AUX
fbem-18147	150	11	likely	likely	ADJ
fbem-18147	150	12	to	to	PART
fbem-18147	150	13	evolve	evolve	VERB
fbem-18147	150	14	in	in	ADP
fbem-18147	150	15	line	line	NOUN
fbem-18147	150	16	with	with	ADP
fbem-18147	150	17	the	the	DET
fbem-18147	150	18	rapid	rapid	ADJ
fbem-18147	150	19	pace	pace	NOUN
fbem-18147	150	20	of	of	ADP
fbem-18147	150	21	technological	technological	ADJ
fbem-18147	150	22	change	change	NOUN
fbem-18147	150	23	.	.	PUNCT
fbem-18147	151	1	regulators	regulator	NOUN
fbem-18147	151	2	will	will	AUX
fbem-18147	151	3	face	face	VERB
fbem-18147	151	4	the	the	DET
fbem-18147	151	5	challenge	challenge	NOUN
fbem-18147	151	6	of	of	ADP
fbem-18147	151	7	balancing	balance	VERB
fbem-18147	151	8	the	the	DET
fbem-18147	151	9	promotion	promotion	NOUN
fbem-18147	151	10	of	of	ADP
fbem-18147	151	11	innovation	innovation	NOUN
fbem-18147	151	12	with	with	ADP
fbem-18147	151	13	ensuring	ensure	VERB
fbem-18147	151	14	financial	financial	ADJ
fbem-18147	151	15	stability	stability	NOUN
fbem-18147	151	16	,	,	PUNCT
fbem-18147	151	17	consumer	consumer	NOUN
fbem-18147	151	18	protection	protection	NOUN
fbem-18147	151	19	and	and	CCONJ
fbem-18147	151	20	data	datum	NOUN
fbem-18147	151	21	security	security	NOUN
fbem-18147	151	22	.	.	PUNCT
fbem-18147	152	1	traditional	traditional	ADJ
fbem-18147	152	2	financial	financial	ADJ
fbem-18147	152	3	institutions	institution	NOUN
fbem-18147	152	4	will	will	AUX
fbem-18147	152	5	need	need	VERB
fbem-18147	152	6	to	to	PART
fbem-18147	152	7	navigate	navigate	VERB
fbem-18147	152	8	this	this	DET
fbem-18147	152	9	changing	change	VERB
fbem-18147	152	10	regulatory	regulatory	ADJ
fbem-18147	152	11	environment	environment	NOUN
fbem-18147	152	12	and	and	CCONJ
fbem-18147	152	13	advocate	advocate	VERB
fbem-18147	152	14	for	for	ADP
fbem-18147	152	15	regulations	regulation	NOUN
fbem-18147	152	16	that	that	PRON
fbem-18147	152	17	support	support	VERB
fbem-18147	152	18	innovation	innovation	NOUN
fbem-18147	152	19	while	while	SCONJ
fbem-18147	152	20	preparing	prepare	VERB
fbem-18147	152	21	to	to	PART
fbem-18147	152	22	meet	meet	VERB
fbem-18147	152	23	new	new	ADJ
fbem-18147	152	24	compliance	compliance	NOUN
fbem-18147	152	25	requirements	requirement	NOUN
fbem-18147	152	26	.	.	PUNCT
fbem-18147	153	1	in	in	ADP
fbem-18147	153	2	addition	addition	NOUN
fbem-18147	153	3	,	,	PUNCT
fbem-18147	153	4	global	global	ADJ
fbem-18147	153	5	trends	trend	NOUN
fbem-18147	153	6	in	in	ADP
fbem-18147	153	7	financial	financial	ADJ
fbem-18147	153	8	cooperation	cooperation	NOUN
fbem-18147	153	9	and	and	CCONJ
fbem-18147	153	10	standard	standard	NOUN
fbem-18147	153	11	-	-	PUNCT
fbem-18147	153	12	setting	setting	NOUN
fbem-18147	153	13	could	could	AUX
fbem-18147	153	14	provide	provide	VERB
fbem-18147	153	15	a	a	DET
fbem-18147	153	16	more	more	ADV
fbem-18147	153	17	cohesive	cohesive	ADJ
fbem-18147	153	18	framework	framework	NOUN
fbem-18147	153	19	for	for	ADP
fbem-18147	153	20	fintech	fintech	NOUN
fbem-18147	153	21	development	development	NOUN
fbem-18147	153	22	and	and	CCONJ
fbem-18147	153	23	integration	integration	NOUN
fbem-18147	153	24	across	across	ADP
fbem-18147	153	25	markets	market	NOUN
fbem-18147	153	26	.	.	PUNCT
fbem-18147	154	1	sustainability	sustainability	NOUN
fbem-18147	154	2	and	and	CCONJ
fbem-18147	154	3	social	social	ADJ
fbem-18147	154	4	responsibility	responsibility	NOUN
fbem-18147	154	5	are	be	AUX
fbem-18147	154	6	growing	grow	VERB
fbem-18147	154	7	in	in	ADP
fbem-18147	154	8	importance	importance	NOUN
fbem-18147	154	9	in	in	ADP
fbem-18147	154	10	the	the	DET
fbem-18147	154	11	financial	financial	ADJ
fbem-18147	154	12	sector	sector	NOUN
fbem-18147	154	13	,	,	PUNCT
fbem-18147	154	14	with	with	ADP
fbem-18147	154	15	consumers	consumer	NOUN
fbem-18147	154	16	and	and	CCONJ
fbem-18147	154	17	investors	investor	NOUN
fbem-18147	154	18	demanding	demand	VERB
fbem-18147	154	19	more	more	ADV
fbem-18147	154	20	ethical	ethical	ADJ
fbem-18147	154	21	and	and	CCONJ
fbem-18147	154	22	environmentally	environmentally	ADV
fbem-18147	154	23	friendly	friendly	ADJ
fbem-18147	154	24	financial	financial	ADJ
fbem-18147	154	25	practices	practice	NOUN
fbem-18147	154	26	.	.	PUNCT
fbem-18147	155	1	fintech	fintech	NOUN
fbem-18147	155	2	innovations	innovation	NOUN
fbem-18147	155	3	in	in	ADP
fbem-18147	155	4	green	green	ADJ
fbem-18147	155	5	finance	finance	NOUN
fbem-18147	155	6	,	,	PUNCT
fbem-18147	155	7	such	such	ADJ
fbem-18147	155	8	as	as	ADP
fbem-18147	155	9	blockchain	blockchain	NOUN
fbem-18147	155	10	-	-	PUNCT
fbem-18147	155	11	based	base	VERB
fbem-18147	155	12	carbon	carbon	NOUN
fbem-18147	155	13	credit	credit	NOUN
fbem-18147	155	14	trading	trading	NOUN
fbem-18147	155	15	or	or	CCONJ
fbem-18147	155	16	aidriven	aidriven	VERB
fbem-18147	155	17	sustainable	sustainable	ADJ
fbem-18147	155	18	investment	investment	NOUN
fbem-18147	155	19	platforms	platform	NOUN
fbem-18147	155	20	,	,	PUNCT
fbem-18147	155	21	offer	offer	VERB
fbem-18147	155	22	traditional	traditional	ADJ
fbem-18147	155	23	banks	bank	NOUN
fbem-18147	155	24	the	the	DET
fbem-18147	155	25	opportunity	opportunity	NOUN
fbem-18147	155	26	to	to	PART
fbem-18147	155	27	contribute	contribute	VERB
fbem-18147	155	28	to	to	ADP
fbem-18147	155	29	the	the	DET
fbem-18147	155	30	global	global	ADJ
fbem-18147	155	31	sustainability	sustainability	NOUN
fbem-18147	155	32	agenda	agenda	NOUN
fbem-18147	155	33	.	.	PUNCT
fbem-18147	156	1	by	by	ADP
fbem-18147	156	2	integrating	integrate	VERB
fbem-18147	156	3	these	these	DET
fbem-18147	156	4	innovations	innovation	NOUN
fbem-18147	156	5	,	,	PUNCT
fbem-18147	156	6	banks	bank	NOUN
fbem-18147	156	7	can	can	AUX
fbem-18147	156	8	not	not	PART
fbem-18147	156	9	only	only	ADV
fbem-18147	156	10	align	align	VERB
fbem-18147	156	11	their	their	PRON
fbem-18147	156	12	values	value	NOUN
fbem-18147	156	13	with	with	ADP
fbem-18147	156	14	those	those	PRON
fbem-18147	156	15	of	of	ADP
fbem-18147	156	16	consumers	consumer	NOUN
fbem-18147	156	17	,	,	PUNCT
fbem-18147	156	18	but	but	CCONJ
fbem-18147	156	19	also	also	ADV
fbem-18147	156	20	access	access	VERB
fbem-18147	156	21	new	new	ADJ
fbem-18147	156	22	markets	market	NOUN
fbem-18147	156	23	and	and	CCONJ
fbem-18147	156	24	investment	investment	NOUN
fbem-18147	156	25	opportunities	opportunity	NOUN
fbem-18147	156	26	that	that	PRON
fbem-18147	156	27	focus	focus	VERB
fbem-18147	156	28	on	on	ADP
fbem-18147	156	29	environmental	environmental	ADJ
fbem-18147	156	30	,	,	PUNCT
fbem-18147	156	31	social	social	ADJ
fbem-18147	156	32	and	and	CCONJ
fbem-18147	156	33	governance	governance	NOUN
fbem-18147	156	34	(	(	PUNCT
fbem-18147	156	35	esg	esg	NOUN
fbem-18147	156	36	)	)	PUNCT
fbem-18147	156	37	criteria	criterion	NOUN
fbem-18147	156	38	.	.	PUNCT
fbem-18147	157	1	in	in	ADP
fbem-18147	157	2	conclusion	conclusion	NOUN
fbem-18147	157	3	,	,	PUNCT
fbem-18147	157	4	the	the	DET
fbem-18147	157	5	future	future	NOUN
fbem-18147	157	6	of	of	ADP
fbem-18147	157	7	financial	financial	ADJ
fbem-18147	157	8	services	service	NOUN
fbem-18147	157	9	,	,	PUNCT
fbem-18147	157	10	under	under	ADP
fbem-18147	157	11	the	the	DET
fbem-18147	157	12	influence	influence	NOUN
fbem-18147	157	13	of	of	ADP
fbem-18147	157	14	constant	constant	ADJ
fbem-18147	157	15	fintech	fintech	NOUN
fbem-18147	157	16	innovation	innovation	NOUN
fbem-18147	157	17	,	,	PUNCT
fbem-18147	157	18	presents	present	VERB
fbem-18147	157	19	both	both	DET
fbem-18147	157	20	challenges	challenge	NOUN
fbem-18147	157	21	and	and	CCONJ
fbem-18147	157	22	opportunities	opportunity	NOUN
fbem-18147	157	23	for	for	ADP
fbem-18147	157	24	traditional	traditional	ADJ
fbem-18147	157	25	financial	financial	ADJ
fbem-18147	157	26	institutions	institution	NOUN
fbem-18147	157	27	.	.	PUNCT
fbem-18147	158	1	the	the	DET
fbem-18147	158	2	key	key	NOUN
fbem-18147	158	3	to	to	ADP
fbem-18147	158	4	navigating	navigate	VERB
fbem-18147	158	5	the	the	DET
fbem-18147	158	6	future	future	NOUN
fbem-18147	158	7	lies	lie	VERB
fbem-18147	158	8	in	in	ADP
fbem-18147	158	9	the	the	DET
fbem-18147	158	10	ability	ability	NOUN
fbem-18147	158	11	of	of	ADP
fbem-18147	158	12	these	these	DET
fbem-18147	158	13	institutions	institution	NOUN
fbem-18147	158	14	to	to	PART
fbem-18147	158	15	adapt	adapt	VERB
fbem-18147	158	16	,	,	PUNCT
fbem-18147	158	17	innovate	innovate	VERB
fbem-18147	158	18	and	and	CCONJ
fbem-18147	158	19	integrate	integrate	VERB
fbem-18147	158	20	emerging	emerge	VERB
fbem-18147	158	21	technologies	technology	NOUN
fbem-18147	158	22	into	into	ADP
fbem-18147	158	23	their	their	PRON
fbem-18147	158	24	operations	operation	NOUN
fbem-18147	158	25	and	and	CCONJ
fbem-18147	158	26	service	service	NOUN
fbem-18147	158	27	offerings	offering	NOUN
fbem-18147	158	28	.	.	PUNCT
fbem-18147	159	1	by	by	ADP
fbem-18147	159	2	doing	do	VERB
fbem-18147	159	3	so	so	ADV
fbem-18147	159	4	,	,	PUNCT
fbem-18147	159	5	traditional	traditional	ADJ
fbem-18147	159	6	banks	bank	NOUN
fbem-18147	159	7	can	can	AUX
fbem-18147	159	8	turn	turn	VERB
fbem-18147	159	9	challenges	challenge	NOUN
fbem-18147	159	10	into	into	ADP
fbem-18147	159	11	opportunities	opportunity	NOUN
fbem-18147	159	12	,	,	PUNCT
fbem-18147	159	13	redefine	redefine	VERB
fbem-18147	159	14	their	their	PRON
fbem-18147	159	15	role	role	NOUN
fbem-18147	159	16	in	in	ADP
fbem-18147	159	17	the	the	DET
fbem-18147	159	18	financial	financial	ADJ
fbem-18147	159	19	ecosystem	ecosystem	NOUN
fbem-18147	159	20	,	,	PUNCT
fbem-18147	159	21	enhance	enhance	VERB
fbem-18147	159	22	their	their	PRON
fbem-18147	159	23	competitive	competitive	ADJ
fbem-18147	159	24	advantage	advantage	NOUN
fbem-18147	159	25	and	and	CCONJ
fbem-18147	159	26	meet	meet	VERB
fbem-18147	159	27	the	the	DET
fbem-18147	159	28	changing	change	VERB
fbem-18147	159	29	needs	need	NOUN
fbem-18147	159	30	of	of	ADP
fbem-18147	159	31	their	their	PRON
fbem-18147	159	32	customers	customer	NOUN
fbem-18147	159	33	.	.	PUNCT
fbem-18147	160	1	in	in	ADP
fbem-18147	160	2	the	the	DET
fbem-18147	160	3	journey	journey	NOUN
fbem-18147	160	4	ahead	ahead	ADV
fbem-18147	160	5	,	,	PUNCT
fbem-18147	160	6	banks	bank	NOUN
fbem-18147	160	7	need	need	VERB
fbem-18147	160	8	to	to	PART
fbem-18147	160	9	be	be	AUX
fbem-18147	160	10	strategic	strategic	ADJ
fbem-18147	160	11	,	,	PUNCT
fbem-18147	160	12	committed	commit	VERB
fbem-18147	160	13	to	to	ADP
fbem-18147	160	14	digital	digital	ADJ
fbem-18147	160	15	transformation	transformation	NOUN
fbem-18147	160	16	and	and	CCONJ
fbem-18147	160	17	proactive	proactive	ADJ
fbem-18147	160	18	in	in	ADP
fbem-18147	160	19	terms	term	NOUN
fbem-18147	160	20	of	of	ADP
fbem-18147	160	21	collaboration	collaboration	NOUN
fbem-18147	160	22	,	,	PUNCT
fbem-18147	160	23	regulation	regulation	NOUN
fbem-18147	160	24	and	and	CCONJ
fbem-18147	160	25	sustainability	sustainability	NOUN
fbem-18147	160	26	.	.	PUNCT
fbem-18147	161	1	7	7	X
fbem-18147	161	2	.	.	X
fbem-18147	161	3	conclusion	conclusion	NOUN
fbem-18147	161	4	in	in	ADP
fbem-18147	161	5	conclusion	conclusion	NOUN
fbem-18147	161	6	,	,	PUNCT
fbem-18147	161	7	the	the	DET
fbem-18147	161	8	emergence	emergence	NOUN
fbem-18147	161	9	of	of	ADP
fbem-18147	161	10	fintech	fintech	NOUN
fbem-18147	161	11	innovation	innovation	NOUN
fbem-18147	161	12	has	have	AUX
fbem-18147	161	13	triggered	trigger	VERB
fbem-18147	161	14	a	a	DET
fbem-18147	161	15	dramatic	dramatic	ADJ
fbem-18147	161	16	change	change	NOUN
fbem-18147	161	17	in	in	ADP
fbem-18147	161	18	the	the	DET
fbem-18147	161	19	financial	financial	ADJ
fbem-18147	161	20	services	service	NOUN
fbem-18147	161	21	landscape	landscape	NOUN
fbem-18147	161	22	,	,	PUNCT
fbem-18147	161	23	presenting	present	VERB
fbem-18147	161	24	both	both	CCONJ
fbem-18147	161	25	serious	serious	ADJ
fbem-18147	161	26	challenges	challenge	NOUN
fbem-18147	161	27	and	and	CCONJ
fbem-18147	161	28	unrivalled	unrivalled	ADJ
fbem-18147	161	29	opportunities	opportunity	NOUN
fbem-18147	161	30	for	for	ADP
fbem-18147	161	31	traditional	traditional	ADJ
fbem-18147	161	32	financial	financial	ADJ
fbem-18147	161	33	institutions	institution	NOUN
fbem-18147	161	34	.	.	PUNCT
fbem-18147	162	1	this	this	DET
fbem-18147	162	2	double	double	ADJ
fbem-18147	162	3	-	-	PUNCT
fbem-18147	162	4	edged	edge	VERB
fbem-18147	162	5	nature	nature	NOUN
fbem-18147	162	6	of	of	ADP
fbem-18147	162	7	fintech	fintech	NOUN
fbem-18147	162	8	innovation	innovation	NOUN
fbem-18147	162	9	requires	require	VERB
fbem-18147	162	10	these	these	DET
fbem-18147	162	11	institutions	institution	NOUN
fbem-18147	162	12	to	to	PART
fbem-18147	162	13	have	have	VERB
fbem-18147	162	14	a	a	DET
fbem-18147	162	15	nuanced	nuanced	ADJ
fbem-18147	162	16	understanding	understanding	NOUN
fbem-18147	162	17	and	and	CCONJ
fbem-18147	162	18	strategic	strategic	ADJ
fbem-18147	162	19	approach	approach	NOUN
fbem-18147	162	20	to	to	ADP
fbem-18147	162	21	navigating	navigate	VERB
fbem-18147	162	22	the	the	DET
fbem-18147	162	23	complexities	complexity	NOUN
fbem-18147	162	24	of	of	ADP
fbem-18147	162	25	the	the	DET
fbem-18147	162	26	modern	modern	ADJ
fbem-18147	162	27	financial	financial	ADJ
fbem-18147	162	28	ecosystem	ecosystem	NOUN
fbem-18147	162	29	.	.	PUNCT
fbem-18147	163	1	these	these	DET
fbem-18147	163	2	challenges	challenge	NOUN
fbem-18147	163	3	,	,	PUNCT
fbem-18147	163	4	while	while	SCONJ
fbem-18147	163	5	daunting	daunt	VERB
fbem-18147	163	6	,	,	PUNCT
fbem-18147	163	7	stem	stem	NOUN
fbem-18147	163	8	from	from	ADP
fbem-18147	163	9	the	the	DET
fbem-18147	163	10	rapid	rapid	ADJ
fbem-18147	163	11	pace	pace	NOUN
fbem-18147	163	12	of	of	ADP
fbem-18147	163	13	technological	technological	ADJ
fbem-18147	163	14	advances	advance	NOUN
fbem-18147	163	15	,	,	PUNCT
fbem-18147	163	16	evolving	evolve	VERB
fbem-18147	163	17	consumer	consumer	NOUN
fbem-18147	163	18	expectations	expectation	NOUN
fbem-18147	163	19	,	,	PUNCT
fbem-18147	163	20	increasing	increase	VERB
fbem-18147	163	21	regulatory	regulatory	ADJ
fbem-18147	163	22	scrutiny	scrutiny	NOUN
fbem-18147	163	23	,	,	PUNCT
fbem-18147	163	24	and	and	CCONJ
fbem-18147	163	25	competitive	competitive	ADJ
fbem-18147	163	26	pressures	pressure	NOUN
fbem-18147	163	27	exerted	exert	VERB
fbem-18147	163	28	by	by	ADP
fbem-18147	163	29	fintech	fintech	NOUN
fbem-18147	163	30	startups	startup	NOUN
fbem-18147	163	31	.	.	PUNCT
fbem-18147	164	1	together	together	ADV
fbem-18147	164	2	,	,	PUNCT
fbem-18147	164	3	these	these	DET
fbem-18147	164	4	factors	factor	NOUN
fbem-18147	164	5	threaten	threaten	VERB
fbem-18147	164	6	the	the	DET
fbem-18147	164	7	traditional	traditional	ADJ
fbem-18147	164	8	banking	banking	NOUN
fbem-18147	164	9	model	model	NOUN
fbem-18147	164	10	,	,	PUNCT
fbem-18147	164	11	forcing	force	VERB
fbem-18147	164	12	these	these	DET
fbem-18147	164	13	institutions	institution	NOUN
fbem-18147	164	14	to	to	PART
fbem-18147	164	15	reassess	reassess	VERB
fbem-18147	164	16	and	and	CCONJ
fbem-18147	164	17	reshape	reshape	VERB
fbem-18147	164	18	their	their	PRON
fbem-18147	164	19	operational	operational	ADJ
fbem-18147	164	20	,	,	PUNCT
fbem-18147	164	21	cultural	cultural	ADJ
fbem-18147	164	22	and	and	CCONJ
fbem-18147	164	23	strategic	strategic	ADJ
fbem-18147	164	24	models	model	NOUN
fbem-18147	164	25	.	.	PUNCT
fbem-18147	165	1	on	on	ADP
fbem-18147	165	2	the	the	DET
fbem-18147	165	3	flip	flip	ADJ
fbem-18147	165	4	side	side	NOUN
fbem-18147	165	5	,	,	PUNCT
fbem-18147	165	6	fintech	fintech	NOUN
fbem-18147	165	7	innovations	innovation	NOUN
fbem-18147	165	8	are	be	AUX
fbem-18147	165	9	also	also	ADV
fbem-18147	165	10	providing	provide	VERB
fbem-18147	165	11	traditional	traditional	ADJ
fbem-18147	165	12	financial	financial	ADJ
fbem-18147	165	13	institutions	institution	NOUN
fbem-18147	165	14	with	with	ADP
fbem-18147	165	15	a	a	DET
fbem-18147	165	16	plethora	plethora	NOUN
fbem-18147	165	17	of	of	ADP
fbem-18147	165	18	opportunities	opportunity	NOUN
fbem-18147	165	19	to	to	PART
fbem-18147	165	20	redefine	redefine	VERB
fbem-18147	165	21	their	their	PRON
fbem-18147	165	22	value	value	NOUN
fbem-18147	165	23	propositions	proposition	NOUN
fbem-18147	165	24	,	,	PUNCT
fbem-18147	165	25	improve	improve	VERB
fbem-18147	165	26	operational	operational	ADJ
fbem-18147	165	27	efficiencies	efficiency	NOUN
fbem-18147	165	28	,	,	PUNCT
fbem-18147	165	29	expand	expand	VERB
fbem-18147	165	30	their	their	PRON
fbem-18147	165	31	customer	customer	NOUN
fbem-18147	165	32	bases	basis	NOUN
fbem-18147	165	33	,	,	PUNCT
fbem-18147	165	34	and	and	CCONJ
fbem-18147	165	35	develop	develop	VERB
fbem-18147	165	36	new	new	ADJ
fbem-18147	165	37	revenue	revenue	NOUN
fbem-18147	165	38	streams	stream	NOUN
fbem-18147	165	39	.	.	PUNCT
fbem-18147	166	1	by	by	ADP
fbem-18147	166	2	leveraging	leverage	VERB
fbem-18147	166	3	technologies	technology	NOUN
fbem-18147	166	4	such	such	ADJ
fbem-18147	166	5	as	as	ADP
fbem-18147	166	6	blockchain	blockchain	NOUN
fbem-18147	166	7	,	,	PUNCT
fbem-18147	166	8	artificial	artificial	ADJ
fbem-18147	166	9	intelligence	intelligence	NOUN
fbem-18147	166	10	,	,	PUNCT
fbem-18147	166	11	machine	machine	NOUN
fbem-18147	166	12	learning	learning	NOUN
fbem-18147	166	13	and	and	CCONJ
fbem-18147	166	14	data	datum	NOUN
fbem-18147	166	15	analytics	analytic	NOUN
fbem-18147	166	16	,	,	PUNCT
fbem-18147	166	17	traditional	traditional	ADJ
fbem-18147	166	18	banks	bank	NOUN
fbem-18147	166	19	can	can	AUX
fbem-18147	166	20	provide	provide	VERB
fbem-18147	166	21	more	more	ADV
fbem-18147	166	22	personalised	personalised	ADJ
fbem-18147	166	23	,	,	PUNCT
fbem-18147	166	24	efficient	efficient	ADJ
fbem-18147	166	25	and	and	CCONJ
fbem-18147	166	26	secure	secure	VERB
fbem-18147	166	27	financial	financial	ADJ
fbem-18147	166	28	services	service	NOUN
fbem-18147	166	29	.	.	PUNCT
fbem-18147	167	1	in	in	ADP
fbem-18147	167	2	addition	addition	NOUN
fbem-18147	167	3	,	,	PUNCT
fbem-18147	167	4	fintech	fintech	NOUN
fbem-18147	167	5	innovations	innovation	NOUN
fbem-18147	167	6	offer	offer	VERB
fbem-18147	167	7	a	a	DET
fbem-18147	167	8	more	more	ADV
fbem-18147	167	9	effective	effective	ADJ
fbem-18147	167	10	pathway	pathway	NOUN
fbem-18147	167	11	than	than	ADP
fbem-18147	167	12	ever	ever	ADV
fbem-18147	167	13	before	before	ADV
fbem-18147	167	14	to	to	PART
fbem-18147	167	15	address	address	VERB
fbem-18147	167	16	long	long	ADV
fbem-18147	167	17	-	-	PUNCT
fbem-18147	167	18	standing	stand	VERB
fbem-18147	167	19	industry	industry	NOUN
fbem-18147	167	20	challenges	challenge	NOUN
fbem-18147	167	21	such	such	ADJ
fbem-18147	167	22	as	as	ADP
fbem-18147	167	23	financial	financial	ADJ
fbem-18147	167	24	inclusion	inclusion	NOUN
fbem-18147	167	25	,	,	PUNCT
fbem-18147	167	26	cost	cost	NOUN
fbem-18147	167	27	reduction	reduction	NOUN
fbem-18147	167	28	and	and	CCONJ
fbem-18147	167	29	risk	risk	NOUN
fbem-18147	167	30	management	management	NOUN
fbem-18147	167	31	.	.	PUNCT
fbem-18147	168	1	integrating	integrate	VERB
fbem-18147	168	2	fintech	fintech	NOUN
fbem-18147	168	3	into	into	ADP
fbem-18147	168	4	the	the	DET
fbem-18147	168	5	traditional	traditional	ADJ
fbem-18147	168	6	banking	banking	NOUN
fbem-18147	168	7	system	system	NOUN
fbem-18147	168	8	is	be	AUX
fbem-18147	168	9	not	not	PART
fbem-18147	168	10	without	without	ADP
fbem-18147	168	11	hurdles	hurdle	NOUN
fbem-18147	168	12	.	.	PUNCT
fbem-18147	169	1	it	it	PRON
fbem-18147	169	2	will	will	AUX
fbem-18147	169	3	require	require	VERB
fbem-18147	169	4	a	a	DET
fbem-18147	169	5	major	major	ADJ
fbem-18147	169	6	cultural	cultural	ADJ
fbem-18147	169	7	shift	shift	NOUN
fbem-18147	169	8	in	in	ADP
fbem-18147	169	9	innovation	innovation	NOUN
fbem-18147	169	10	,	,	PUNCT
fbem-18147	169	11	agility	agility	NOUN
fbem-18147	169	12	and	and	CCONJ
fbem-18147	169	13	customer	customer	NOUN
fbem-18147	169	14	-	-	PUNCT
fbem-18147	169	15	centricity	centricity	NOUN
fbem-18147	169	16	,	,	PUNCT
fbem-18147	169	17	along	along	ADP
fbem-18147	169	18	with	with	ADP
fbem-18147	169	19	significant	significant	ADJ
fbem-18147	169	20	investment	investment	NOUN
fbem-18147	169	21	in	in	ADP
fbem-18147	169	22	digital	digital	ADJ
fbem-18147	169	23	transformation	transformation	NOUN
fbem-18147	169	24	.	.	PUNCT
fbem-18147	170	1	in	in	ADP
fbem-18147	170	2	addition	addition	NOUN
fbem-18147	170	3	,	,	PUNCT
fbem-18147	170	4	navigating	navigate	VERB
fbem-18147	170	5	the	the	DET
fbem-18147	170	6	changing	change	VERB
fbem-18147	170	7	regulatory	regulatory	ADJ
fbem-18147	170	8	landscape	landscape	NOUN
fbem-18147	170	9	and	and	CCONJ
fbem-18147	170	10	ensuring	ensure	VERB
fbem-18147	170	11	the	the	DET
fbem-18147	170	12	security	security	NOUN
fbem-18147	170	13	and	and	CCONJ
fbem-18147	170	14	privacy	privacy	NOUN
fbem-18147	170	15	of	of	ADP
fbem-18147	170	16	digital	digital	ADJ
fbem-18147	170	17	transactions	transaction	NOUN
fbem-18147	170	18	remain	remain	VERB
fbem-18147	170	19	key	key	ADJ
fbem-18147	170	20	issues	issue	NOUN
fbem-18147	170	21	that	that	PRON
fbem-18147	170	22	institutions	institution	NOUN
fbem-18147	170	23	must	must	AUX
fbem-18147	170	24	address	address	VERB
fbem-18147	170	25	.	.	PUNCT
fbem-18147	171	1	however	however	ADV
fbem-18147	171	2	,	,	PUNCT
fbem-18147	171	3	these	these	DET
fbem-18147	171	4	challenges	challenge	NOUN
fbem-18147	171	5	are	be	AUX
fbem-18147	171	6	not	not	PART
fbem-18147	171	7	insurmountable	insurmountable	ADJ
fbem-18147	171	8	.	.	PUNCT
fbem-18147	172	1	through	through	ADP
fbem-18147	172	2	strategic	strategic	ADJ
fbem-18147	172	3	partnerships	partnership	NOUN
fbem-18147	172	4	with	with	ADP
fbem-18147	172	5	fintechs	fintech	NOUN
fbem-18147	172	6	,	,	PUNCT
fbem-18147	172	7	proactive	proactive	ADJ
fbem-18147	172	8	regulatory	regulatory	ADJ
fbem-18147	172	9	engagement	engagement	NOUN
fbem-18147	172	10	,	,	PUNCT
fbem-18147	172	11	and	and	CCONJ
fbem-18147	172	12	a	a	DET
fbem-18147	172	13	commitment	commitment	NOUN
fbem-18147	172	14	to	to	ADP
fbem-18147	172	15	digital	digital	ADJ
fbem-18147	172	16	literacy	literacy	NOUN
fbem-18147	172	17	and	and	CCONJ
fbem-18147	172	18	cybersecurity	cybersecurity	NOUN
fbem-18147	172	19	,	,	PUNCT
fbem-18147	172	20	traditional	traditional	ADJ
fbem-18147	172	21	financial	financial	ADJ
fbem-18147	172	22	institutions	institution	NOUN
fbem-18147	172	23	can	can	AUX
fbem-18147	172	24	capitalise	capitalise	VERB
fbem-18147	172	25	on	on	ADP
fbem-18147	172	26	the	the	DET
fbem-18147	172	27	potential	potential	NOUN
fbem-18147	172	28	of	of	ADP
fbem-18147	172	29	fintech	fintech	NOUN
fbem-18147	172	30	innovation	innovation	NOUN
fbem-18147	172	31	to	to	PART
fbem-18147	172	32	ensure	ensure	VERB
fbem-18147	172	33	their	their	PRON
fbem-18147	172	34	competitive	competitive	ADJ
fbem-18147	172	35	advantage	advantage	NOUN
fbem-18147	172	36	and	and	CCONJ
fbem-18147	172	37	future	future	ADJ
fbem-18147	172	38	relevance	relevance	NOUN
fbem-18147	172	39	.	.	PUNCT
fbem-18147	173	1	going	go	VERB
fbem-18147	173	2	forward	forward	ADV
fbem-18147	173	3	,	,	PUNCT
fbem-18147	173	4	the	the	DET
fbem-18147	173	5	relationship	relationship	NOUN
fbem-18147	173	6	between	between	ADP
fbem-18147	173	7	fintech	fintech	NOUN
fbem-18147	173	8	innovations	innovation	NOUN
fbem-18147	173	9	and	and	CCONJ
fbem-18147	173	10	traditional	traditional	ADJ
fbem-18147	173	11	financial	financial	ADJ
fbem-18147	173	12	institutions	institution	NOUN
fbem-18147	173	13	is	be	AUX
fbem-18147	173	14	likely	likely	ADJ
fbem-18147	173	15	to	to	PART
fbem-18147	173	16	be	be	AUX
fbem-18147	173	17	characterised	characterise	VERB
fbem-18147	173	18	by	by	ADP
fbem-18147	173	19	increased	increase	VERB
fbem-18147	173	20	collaboration	collaboration	NOUN
fbem-18147	173	21	and	and	CCONJ
fbem-18147	173	22	integration	integration	NOUN
fbem-18147	173	23	.	.	PUNCT
fbem-18147	174	1	as	as	SCONJ
fbem-18147	174	2	the	the	DET
fbem-18147	174	3	financial	financial	ADJ
fbem-18147	174	4	services	service	NOUN
fbem-18147	174	5	industry	industry	NOUN
fbem-18147	174	6	continues	continue	VERB
fbem-18147	174	7	to	to	PART
fbem-18147	174	8	evolve	evolve	VERB
fbem-18147	174	9	,	,	PUNCT
fbem-18147	174	10	the	the	DET
fbem-18147	174	11	distinction	distinction	NOUN
fbem-18147	174	12	between	between	ADP
fbem-18147	174	13	fintech	fintech	NOUN
fbem-18147	174	14	and	and	CCONJ
fbem-18147	174	15	traditional	traditional	ADJ
fbem-18147	174	16	banking	banking	NOUN
fbem-18147	174	17	will	will	AUX
fbem-18147	174	18	become	become	VERB
fbem-18147	174	19	increasingly	increasingly	ADV
fbem-18147	174	20	blurred	blur	VERB
fbem-18147	174	21	,	,	PUNCT
fbem-18147	174	22	resulting	result	VERB
fbem-18147	174	23	in	in	ADP
fbem-18147	174	24	a	a	DET
fbem-18147	174	25	more	more	ADV
fbem-18147	174	26	integrated	integrated	ADJ
fbem-18147	174	27	,	,	PUNCT
fbem-18147	174	28	innovative	innovative	ADJ
fbem-18147	174	29	and	and	CCONJ
fbem-18147	174	30	customer	customer	NOUN
fbem-18147	174	31	-	-	PUNCT
fbem-18147	174	32	centric	centric	ADJ
fbem-18147	174	33	financial	financial	ADJ
fbem-18147	174	34	ecosystem	ecosystem	NOUN
fbem-18147	174	35	.	.	PUNCT
fbem-18147	175	1	this	this	DET
fbem-18147	175	2	evolution	evolution	NOUN
fbem-18147	175	3	is	be	AUX
fbem-18147	175	4	not	not	PART
fbem-18147	175	5	only	only	ADV
fbem-18147	175	6	expected	expect	VERB
fbem-18147	175	7	to	to	PART
fbem-18147	175	8	benefit	benefit	VERB
fbem-18147	175	9	consumers	consumer	NOUN
fbem-18147	175	10	through	through	ADP
fbem-18147	175	11	improved	improved	ADJ
fbem-18147	175	12	access	access	NOUN
fbem-18147	175	13	to	to	ADP
fbem-18147	175	14	financial	financial	ADJ
fbem-18147	175	15	services	service	NOUN
fbem-18147	175	16	,	,	PUNCT
fbem-18147	175	17	enhanced	enhance	VERB
fbem-18147	175	18	customer	customer	NOUN
fbem-18147	175	19	experience	experience	NOUN
fbem-18147	175	20	and	and	CCONJ
fbem-18147	175	21	increased	increase	VERB
fbem-18147	175	22	financial	financial	ADJ
fbem-18147	175	23	empowerment	empowerment	NOUN
fbem-18147	175	24	,	,	PUNCT
fbem-18147	175	25	but	but	CCONJ
fbem-18147	175	26	will	will	AUX
fbem-18147	175	27	also	also	ADV
fbem-18147	175	28	contribute	contribute	VERB
fbem-18147	175	29	to	to	ADP
fbem-18147	175	30	the	the	DET
fbem-18147	175	31	overall	overall	ADJ
fbem-18147	175	32	stability	stability	NOUN
fbem-18147	175	33	,	,	PUNCT
fbem-18147	175	34	efficiency	efficiency	NOUN
fbem-18147	175	35	and	and	CCONJ
fbem-18147	175	36	inclusiveness	inclusiveness	NOUN
fbem-18147	175	37	of	of	ADP
fbem-18147	175	38	the	the	DET
fbem-18147	175	39	global	global	ADJ
fbem-18147	175	40	financial	financial	ADJ
fbem-18147	175	41	system	system	NOUN
fbem-18147	175	42	.	.	PUNCT
fbem-18147	176	1	in	in	ADP
fbem-18147	176	2	essence	essence	NOUN
fbem-18147	176	3	,	,	PUNCT
fbem-18147	176	4	the	the	DET
fbem-18147	176	5	journey	journey	NOUN
fbem-18147	176	6	of	of	ADP
fbem-18147	176	7	traditional	traditional	ADJ
fbem-18147	176	8	financial	financial	ADJ
fbem-18147	176	9	institutions	institution	NOUN
fbem-18147	176	10	through	through	ADP
fbem-18147	176	11	the	the	DET
fbem-18147	176	12	fintech	fintech	NOUN
fbem-18147	176	13	revolution	revolution	NOUN
fbem-18147	176	14	is	be	AUX
fbem-18147	176	15	a	a	DET
fbem-18147	176	16	testament	testament	NOUN
fbem-18147	176	17	to	to	ADP
fbem-18147	176	18	the	the	DET
fbem-18147	176	19	transformative	transformative	ADJ
fbem-18147	176	20	power	power	NOUN
fbem-18147	176	21	of	of	ADP
fbem-18147	176	22	technology	technology	NOUN
fbem-18147	176	23	and	and	CCONJ
fbem-18147	176	24	innovation	innovation	NOUN
fbem-18147	176	25	.	.	PUNCT
fbem-18147	177	1	it	it	PRON
fbem-18147	177	2	highlights	highlight	VERB
fbem-18147	177	3	the	the	DET
fbem-18147	177	4	need	need	NOUN
fbem-18147	177	5	for	for	SCONJ
fbem-18147	177	6	these	these	DET
fbem-18147	177	7	institutions	institution	NOUN
fbem-18147	177	8	to	to	PART
fbem-18147	177	9	adapt	adapt	VERB
fbem-18147	177	10	,	,	PUNCT
fbem-18147	177	11	innovate	innovate	VERB
fbem-18147	177	12	and	and	CCONJ
fbem-18147	177	13	collaborate	collaborate	VERB
fbem-18147	177	14	in	in	ADP
fbem-18147	177	15	order	order	NOUN
fbem-18147	177	16	to	to	PART
fbem-18147	177	17	thrive	thrive	VERB
fbem-18147	177	18	in	in	ADP
fbem-18147	177	19	the	the	DET
fbem-18147	177	20	digital	digital	ADJ
fbem-18147	177	21	age	age	NOUN
fbem-18147	177	22	.	.	PUNCT
fbem-18147	178	1	by	by	ADP
fbem-18147	178	2	embracing	embrace	VERB
fbem-18147	178	3	the	the	DET
fbem-18147	178	4	challenges	challenge	NOUN
fbem-18147	178	5	and	and	CCONJ
fbem-18147	178	6	opportunities	opportunity	NOUN
fbem-18147	178	7	presented	present	VERB
fbem-18147	178	8	by	by	ADP
fbem-18147	178	9	fintech	fintech	NOUN
fbem-18147	178	10	innovation	innovation	NOUN
fbem-18147	178	11	,	,	PUNCT
fbem-18147	178	12	traditional	traditional	ADJ
fbem-18147	178	13	financial	financial	ADJ
fbem-18147	178	14	institutions	institution	NOUN
fbem-18147	178	15	can	can	AUX
fbem-18147	178	16	not	not	PART
fbem-18147	178	17	only	only	ADV
fbem-18147	178	18	survive	survive	VERB
fbem-18147	178	19	,	,	PUNCT
fbem-18147	178	20	but	but	CCONJ
fbem-18147	178	21	thrive	thrive	VERB
fbem-18147	178	22	and	and	CCONJ
fbem-18147	178	23	play	play	VERB
fbem-18147	178	24	a	a	DET
fbem-18147	178	25	pivotal	pivotal	ADJ
fbem-18147	178	26	role	role	NOUN
fbem-18147	178	27	in	in	ADP
fbem-18147	178	28	shaping	shape	VERB
fbem-18147	178	29	the	the	DET
fbem-18147	178	30	future	future	NOUN
fbem-18147	178	31	of	of	ADP
fbem-18147	178	32	finance	finance	NOUN
fbem-18147	178	33	.	.	PUNCT
fbem-18147	179	1	the	the	DET
fbem-18147	179	2	road	road	NOUN
fbem-18147	179	3	ahead	ahead	ADV
fbem-18147	179	4	is	be	AUX
fbem-18147	179	5	full	full	ADJ
fbem-18147	179	6	of	of	ADP
fbem-18147	179	7	challenges	challenge	NOUN
fbem-18147	179	8	,	,	PUNCT
fbem-18147	179	9	but	but	CCONJ
fbem-18147	179	10	it	it	PRON
fbem-18147	179	11	is	be	AUX
fbem-18147	179	12	also	also	ADV
fbem-18147	179	13	full	full	ADJ
fbem-18147	179	14	of	of	ADP
fbem-18147	179	15	opportunities	opportunity	NOUN
fbem-18147	179	16	for	for	ADP
fbem-18147	179	17	those	those	PRON
fbem-18147	179	18	willing	willing	ADJ
fbem-18147	179	19	to	to	PART
fbem-18147	179	20	embrace	embrace	VERB
fbem-18147	179	21	change	change	NOUN
fbem-18147	179	22	,	,	PUNCT
fbem-18147	179	23	invest	invest	VERB
fbem-18147	179	24	in	in	ADP
fbem-18147	179	25	innovation	innovation	NOUN
fbem-18147	179	26	and	and	CCONJ
fbem-18147	179	27	lead	lead	VERB
fbem-18147	179	28	the	the	DET
fbem-18147	179	29	way	way	NOUN
fbem-18147	179	30	to	to	ADP
fbem-18147	179	31	a	a	DET
fbem-18147	179	32	more	more	ADV
fbem-18147	179	33	dynamic	dynamic	ADJ
fbem-18147	179	34	,	,	PUNCT
fbem-18147	179	35	inclusive	inclusive	ADJ
fbem-18147	179	36	and	and	CCONJ
fbem-18147	179	37	efficient	efficient	ADJ
fbem-18147	179	38	financial	financial	ADJ
fbem-18147	179	39	future	future	NOUN
fbem-18147	179	40	.	.	PUNCT
fbem-18147	180	1	references	reference	NOUN
fbem-18147	180	2	[	[	X
fbem-18147	180	3	1	1	NUM
fbem-18147	180	4	]	]	X
fbem-18147	180	5	harsono	harsono	PROPN
fbem-18147	180	6	,	,	PUNCT
fbem-18147	180	7	i.	i.	PROPN
fbem-18147	180	8	,	,	PUNCT
fbem-18147	180	9	&	&	CCONJ
fbem-18147	180	10	suprapti	suprapti	PROPN
fbem-18147	180	11	,	,	PUNCT
fbem-18147	180	12	i.	i.	PROPN
fbem-18147	180	13	a.	a.	PROPN
fbem-18147	180	14	p.	p.	PROPN
fbem-18147	180	15	(	(	PUNCT
fbem-18147	180	16	2024	2024	NUM
fbem-18147	180	17	)	)	PUNCT
fbem-18147	180	18	.	.	PUNCT
fbem-18147	181	1	the	the	DET
fbem-18147	181	2	role	role	NOUN
fbem-18147	181	3	of	of	ADP
fbem-18147	181	4	fintech	fintech	NOUN
fbem-18147	181	5	in	in	ADP
fbem-18147	181	6	transforming	transform	VERB
fbem-18147	181	7	traditional	traditional	ADJ
fbem-18147	181	8	financial	financial	ADJ
fbem-18147	181	9	services	service	NOUN
fbem-18147	181	10	.	.	PUNCT
fbem-18147	182	1	accounting	accounting	NOUN
fbem-18147	182	2	studies	study	NOUN
fbem-18147	182	3	and	and	CCONJ
fbem-18147	182	4	tax	tax	NOUN
fbem-18147	182	5	journal	journal	NOUN
fbem-18147	182	6	(	(	PUNCT
fbem-18147	182	7	count	count	NOUN
fbem-18147	182	8	)	)	PUNCT
fbem-18147	182	9	,	,	PUNCT
fbem-18147	182	10	1(1	1(1	NUM
fbem-18147	182	11	)	)	PUNCT
fbem-18147	182	12	,	,	PUNCT
fbem-18147	182	13	81	81	NUM
fbem-18147	182	14	-	-	SYM
fbem-18147	182	15	91	91	NUM
fbem-18147	182	16	.	.	PUNCT
fbem-18147	183	1	[	[	X
fbem-18147	183	2	2	2	NUM
fbem-18147	183	3	]	]	X
fbem-18147	183	4	kim	kim	PROPN
fbem-18147	183	5	,	,	PUNCT
fbem-18147	183	6	s.	s.	PROPN
fbem-18147	183	7	j.	j.	PROPN
fbem-18147	183	8	(	(	PUNCT
fbem-18147	183	9	2023	2023	NUM
fbem-18147	183	10	)	)	PUNCT
fbem-18147	183	11	.	.	PUNCT
fbem-18147	184	1	an	an	DET
fbem-18147	184	2	overview	overview	NOUN
fbem-18147	184	3	of	of	ADP
fbem-18147	184	4	fintech	fintech	NOUN
fbem-18147	184	5	,	,	PUNCT
fbem-18147	184	6	pandemic	pandemic	ADJ
fbem-18147	184	7	and	and	CCONJ
fbem-18147	184	8	the	the	DET
fbem-18147	184	9	financial	financial	ADJ
fbem-18147	184	10	system	system	NOUN
fbem-18147	184	11	:	:	PUNCT
fbem-18147	184	12	challenges	challenge	NOUN
fbem-18147	184	13	and	and	CCONJ
fbem-18147	184	14	opportunities	opportunity	NOUN
fbem-18147	184	15	.	.	PUNCT
fbem-18147	185	1	fintech	fintech	NOUN
fbem-18147	185	2	,	,	PUNCT
fbem-18147	185	3	pandemic	pandemic	ADJ
fbem-18147	185	4	,	,	PUNCT
fbem-18147	185	5	and	and	CCONJ
fbem-18147	185	6	the	the	DET
fbem-18147	185	7	financial	financial	ADJ
fbem-18147	185	8	system	system	NOUN
fbem-18147	185	9	:	:	PUNCT
fbem-18147	185	10	challenges	challenge	NOUN
fbem-18147	185	11	and	and	CCONJ
fbem-18147	185	12	opportunities	opportunity	NOUN
fbem-18147	185	13	,	,	PUNCT
fbem-18147	185	14	22	22	NUM
fbem-18147	185	15	,	,	PUNCT
fbem-18147	185	16	3	3	NUM
fbem-18147	185	17	-	-	SYM
fbem-18147	185	18	9	9	NUM
fbem-18147	185	19	.	.	PUNCT
fbem-18147	186	1	[	[	X
fbem-18147	186	2	3	3	NUM
fbem-18147	186	3	]	]	X
fbem-18147	186	4	elsaid	elsaid	PROPN
fbem-18147	186	5	,	,	PUNCT
fbem-18147	186	6	h.	h.	PROPN
fbem-18147	186	7	m.	m.	NOUN
fbem-18147	186	8	(	(	PUNCT
fbem-18147	186	9	2023	2023	NUM
fbem-18147	186	10	)	)	PUNCT
fbem-18147	186	11	.	.	PUNCT
fbem-18147	187	1	a	a	DET
fbem-18147	187	2	review	review	NOUN
fbem-18147	187	3	of	of	ADP
fbem-18147	187	4	literature	literature	NOUN
fbem-18147	187	5	directions	direction	NOUN
fbem-18147	187	6	regarding	regard	VERB
fbem-18147	187	7	the	the	DET
fbem-18147	187	8	impact	impact	NOUN
fbem-18147	187	9	of	of	ADP
fbem-18147	187	10	fintech	fintech	NOUN
fbem-18147	187	11	firms	firm	NOUN
fbem-18147	187	12	on	on	ADP
fbem-18147	187	13	the	the	DET
fbem-18147	187	14	banking	banking	NOUN
fbem-18147	187	15	industry	industry	NOUN
fbem-18147	187	16	.	.	PUNCT
fbem-18147	188	1	qualitative	qualitative	ADJ
fbem-18147	188	2	research	research	NOUN
fbem-18147	188	3	in	in	ADP
fbem-18147	188	4	financial	financial	ADJ
fbem-18147	188	5	markets	market	NOUN
fbem-18147	188	6	,	,	PUNCT
fbem-18147	188	7	15(5	15(5	NUM
fbem-18147	188	8	)	)	PUNCT
fbem-18147	188	9	,	,	PUNCT
fbem-18147	188	10	693	693	NUM
fbem-18147	188	11	-	-	SYM
fbem-18147	188	12	711	711	NUM
fbem-18147	188	13	.	.	PUNCT
fbem-18147	189	1	[	[	X
fbem-18147	189	2	4	4	NUM
fbem-18147	189	3	]	]	SYM
fbem-18147	189	4	taherdoost	taherdoost	NOUN
fbem-18147	189	5	,	,	PUNCT
fbem-18147	189	6	h.	h.	PROPN
fbem-18147	189	7	(	(	PUNCT
fbem-18147	189	8	2023	2023	NUM
fbem-18147	189	9	)	)	PUNCT
fbem-18147	189	10	.	.	PUNCT
fbem-18147	190	1	fintech	fintech	NOUN
fbem-18147	190	2	:	:	PUNCT
fbem-18147	190	3	emerging	emerge	VERB
fbem-18147	190	4	trends	trend	NOUN
fbem-18147	190	5	and	and	CCONJ
fbem-18147	190	6	the	the	DET
fbem-18147	190	7	future	future	NOUN
fbem-18147	190	8	of	of	ADP
fbem-18147	190	9	finance	finance	NOUN
fbem-18147	190	10	.	.	PUNCT
fbem-18147	191	1	financial	financial	ADJ
fbem-18147	191	2	technologies	technology	NOUN
fbem-18147	191	3	and	and	CCONJ
fbem-18147	191	4	defi	defi	PROPN
fbem-18147	191	5	:	:	PUNCT
fbem-18147	191	6	a	a	DET
fbem-18147	191	7	revisit	revisit	NOUN
fbem-18147	191	8	to	to	ADP
fbem-18147	191	9	the	the	DET
fbem-18147	191	10	digital	digital	ADJ
fbem-18147	191	11	finance	finance	NOUN
fbem-18147	191	12	revolution	revolution	NOUN
fbem-18147	191	13	,	,	PUNCT
fbem-18147	191	14	29	29	NUM
fbem-18147	191	15	-	-	SYM
fbem-18147	191	16	39	39	NUM
fbem-18147	191	17	.	.	PUNCT
fbem-18147	192	1	[	[	X
fbem-18147	192	2	5	5	NUM
fbem-18147	192	3	]	]	X
fbem-18147	192	4	ediagbonya	ediagbonya	NOUN
fbem-18147	192	5	,	,	PUNCT
fbem-18147	192	6	v.	v.	PROPN
fbem-18147	192	7	,	,	PUNCT
fbem-18147	192	8	&	&	CCONJ
fbem-18147	192	9	tioluwani	tioluwani	PROPN
fbem-18147	192	10	,	,	PUNCT
fbem-18147	192	11	c.	c.	PROPN
fbem-18147	192	12	(	(	PUNCT
fbem-18147	192	13	2023	2023	NUM
fbem-18147	192	14	)	)	PUNCT
fbem-18147	192	15	.	.	PUNCT
fbem-18147	193	1	the	the	DET
fbem-18147	193	2	role	role	NOUN
fbem-18147	193	3	of	of	ADP
fbem-18147	193	4	fintech	fintech	NOUN
fbem-18147	193	5	in	in	ADP
fbem-18147	193	6	driving	drive	VERB
fbem-18147	193	7	financial	financial	ADJ
fbem-18147	193	8	inclusion	inclusion	NOUN
fbem-18147	193	9	in	in	ADP
fbem-18147	193	10	developing	develop	VERB
fbem-18147	193	11	and	and	CCONJ
fbem-18147	193	12	emerging	emerge	VERB
fbem-18147	193	13	markets	market	NOUN
fbem-18147	193	14	:	:	PUNCT
fbem-18147	193	15	issues	issue	NOUN
fbem-18147	193	16	,	,	PUNCT
fbem-18147	193	17	challenges	challenge	NOUN
fbem-18147	193	18	and	and	CCONJ
fbem-18147	193	19	prospects	prospect	NOUN
fbem-18147	193	20	.	.	PUNCT
fbem-18147	194	1	technological	technological	ADJ
fbem-18147	194	2	sustainability	sustainability	NOUN
fbem-18147	194	3	,	,	PUNCT
fbem-18147	194	4	2(1	2(1	NUM
fbem-18147	194	5	)	)	PUNCT
fbem-18147	194	6	,	,	PUNCT
fbem-18147	194	7	100	100	NUM
fbem-18147	194	8	-	-	SYM
fbem-18147	194	9	119	119	NUM
fbem-18147	194	10	.	.	PUNCT
fbem-18147	195	1	[	[	X
fbem-18147	195	2	6	6	NUM
fbem-18147	195	3	]	]	X
fbem-18147	195	4	arnaut	arnaut	ADJ
fbem-18147	195	5	,	,	PUNCT
fbem-18147	195	6	d.	d.	PROPN
fbem-18147	195	7	,	,	PUNCT
fbem-18147	195	8	&	&	CCONJ
fbem-18147	195	9	bećirović	bećirović	PROPN
fbem-18147	195	10	,	,	PUNCT
fbem-18147	195	11	d.	d.	PROPN
fbem-18147	195	12	(	(	PUNCT
fbem-18147	195	13	2023	2023	NUM
fbem-18147	195	14	)	)	PUNCT
fbem-18147	195	15	.	.	PUNCT
fbem-18147	196	1	fintech	fintech	NOUN
fbem-18147	196	2	innovations	innovation	NOUN
fbem-18147	196	3	as	as	ADP
fbem-18147	196	4	disruptor	disruptor	NOUN
fbem-18147	196	5	of	of	ADP
fbem-18147	196	6	the	the	DET
fbem-18147	196	7	traditional	traditional	ADJ
fbem-18147	196	8	financial	financial	ADJ
fbem-18147	196	9	industry	industry	NOUN
fbem-18147	196	10	.	.	PUNCT
fbem-18147	197	1	in	in	ADP
fbem-18147	197	2	digital	digital	ADJ
fbem-18147	197	3	transformation	transformation	NOUN
fbem-18147	197	4	of	of	ADP
fbem-18147	197	5	the	the	DET
fbem-18147	197	6	financial	financial	ADJ
fbem-18147	197	7	industry	industry	NOUN
fbem-18147	197	8	:	:	PUNCT
fbem-18147	197	9	approaches	approach	NOUN
fbem-18147	197	10	and	and	CCONJ
fbem-18147	197	11	applications	application	NOUN
fbem-18147	197	12	(	(	PUNCT
fbem-18147	197	13	pp	pp	ADJ
fbem-18147	197	14	.	.	PUNCT
fbem-18147	197	15	233	233	NUM
fbem-18147	197	16	-	-	SYM
fbem-18147	197	17	254	254	NUM
fbem-18147	197	18	)	)	PUNCT
fbem-18147	197	19	.	.	PUNCT
fbem-18147	198	1	cham	cham	PROPN
fbem-18147	198	2	:	:	PUNCT
fbem-18147	198	3	springer	springer	NOUN
fbem-18147	198	4	international	international	ADJ
fbem-18147	198	5	publishing	publishing	NOUN
fbem-18147	198	6	.	.	PUNCT
fbem-18147	199	1	33	33	NUM
fbem-18147	200	1	[	[	SYM
fbem-18147	200	2	7	7	NUM
fbem-18147	200	3	]	]	X
fbem-18147	200	4	alaassar	alaassar	PROPN
fbem-18147	200	5	,	,	PUNCT
fbem-18147	200	6	a.	a.	PROPN
fbem-18147	200	7	,	,	PUNCT
fbem-18147	200	8	mention	mention	VERB
fbem-18147	200	9	,	,	PUNCT
fbem-18147	200	10	a.	a.	PROPN
fbem-18147	200	11	l.	l.	PROPN
fbem-18147	200	12	,	,	PUNCT
fbem-18147	200	13	&	&	CCONJ
fbem-18147	200	14	aas	aas	PROPN
fbem-18147	200	15	,	,	PUNCT
fbem-18147	200	16	t.	t.	PROPN
fbem-18147	200	17	h.	h.	PROPN
fbem-18147	200	18	(	(	PUNCT
fbem-18147	200	19	2023	2023	NUM
fbem-18147	200	20	)	)	PUNCT
fbem-18147	200	21	.	.	PUNCT
fbem-18147	201	1	facilitating	facilitate	VERB
fbem-18147	201	2	innovation	innovation	NOUN
fbem-18147	201	3	in	in	ADP
fbem-18147	201	4	fintech	fintech	NOUN
fbem-18147	201	5	:	:	PUNCT
fbem-18147	201	6	a	a	DET
fbem-18147	201	7	review	review	NOUN
fbem-18147	201	8	and	and	CCONJ
fbem-18147	201	9	research	research	NOUN
fbem-18147	201	10	agenda	agenda	NOUN
fbem-18147	201	11	.	.	PUNCT
fbem-18147	202	1	review	review	NOUN
fbem-18147	202	2	of	of	ADP
fbem-18147	202	3	managerial	managerial	ADJ
fbem-18147	202	4	science	science	NOUN
fbem-18147	202	5	,	,	PUNCT
fbem-18147	202	6	17(1	17(1	NUM
fbem-18147	202	7	)	)	PUNCT
fbem-18147	202	8	,	,	PUNCT
fbem-18147	202	9	33	33	NUM
fbem-18147	202	10	-	-	SYM
fbem-18147	202	11	66	66	NUM
fbem-18147	202	12	.	.	PUNCT
fbem-18147	203	1	[	[	X
fbem-18147	203	2	8	8	NUM
fbem-18147	203	3	]	]	X
fbem-18147	203	4	dafri	dafri	PROPN
fbem-18147	203	5	,	,	PUNCT
fbem-18147	203	6	w.	w.	PROPN
fbem-18147	203	7	,	,	PUNCT
fbem-18147	203	8	&	&	CCONJ
fbem-18147	203	9	al	al	PROPN
fbem-18147	203	10	-	-	PUNCT
fbem-18147	203	11	qaruty	qaruty	PROPN
fbem-18147	203	12	,	,	PUNCT
fbem-18147	203	13	r.	r.	PROPN
fbem-18147	203	14	(	(	PUNCT
fbem-18147	203	15	2023	2023	NUM
fbem-18147	203	16	)	)	PUNCT
fbem-18147	203	17	.	.	PUNCT
fbem-18147	204	1	challenges	challenge	NOUN
fbem-18147	204	2	and	and	CCONJ
fbem-18147	204	3	opportunities	opportunity	NOUN
fbem-18147	204	4	to	to	PART
fbem-18147	204	5	enhance	enhance	VERB
fbem-18147	204	6	digital	digital	ADJ
fbem-18147	204	7	financial	financial	ADJ
fbem-18147	204	8	transformation	transformation	NOUN
fbem-18147	204	9	in	in	ADP
fbem-18147	204	10	crisis	crisis	NOUN
fbem-18147	204	11	management	management	NOUN
fbem-18147	204	12	.	.	PUNCT
fbem-18147	205	1	social	social	ADJ
fbem-18147	205	2	sciences	sciences	PROPN
fbem-18147	205	3	&	&	CCONJ
fbem-18147	205	4	humanities	humanity	NOUN
fbem-18147	205	5	open	open	VERB
fbem-18147	205	6	,	,	PUNCT
fbem-18147	205	7	8(1	8(1	NOUN
fbem-18147	205	8	)	)	PUNCT
fbem-18147	205	9	,	,	PUNCT
fbem-18147	205	10	100662	100662	NUM
fbem-18147	205	11	.	.	PUNCT
fbem-18147	206	1	[	[	X
fbem-18147	206	2	9	9	NUM
fbem-18147	206	3	]	]	PUNCT
fbem-18147	206	4	gahlot	gahlot	NOUN
fbem-18147	206	5	,	,	PUNCT
fbem-18147	206	6	c.	c.	PROPN
fbem-18147	206	7	s.	s.	PROPN
fbem-18147	206	8	,	,	PUNCT
fbem-18147	206	9	&	&	CCONJ
fbem-18147	206	10	ghosh	ghosh	PROPN
fbem-18147	206	11	,	,	PUNCT
fbem-18147	206	12	s.	s.	PROPN
fbem-18147	206	13	(	(	PUNCT
fbem-18147	206	14	2023	2023	NUM
fbem-18147	206	15	)	)	PUNCT
fbem-18147	206	16	.	.	PUNCT
fbem-18147	207	1	emerging	emerge	VERB
fbem-18147	207	2	opportunities	opportunity	NOUN
fbem-18147	207	3	and	and	CCONJ
fbem-18147	207	4	challenges	challenge	NOUN
fbem-18147	207	5	in	in	ADP
fbem-18147	207	6	fintech	fintech	NOUN
fbem-18147	207	7	industry	industry	NOUN
fbem-18147	207	8	–	–	PUNCT
fbem-18147	207	9	a	a	DET
fbem-18147	207	10	comparative	comparative	ADJ
fbem-18147	207	11	study	study	NOUN
fbem-18147	207	12	of	of	ADP
fbem-18147	207	13	india	india	PROPN
fbem-18147	207	14	with	with	ADP
fbem-18147	207	15	other	other	ADJ
fbem-18147	207	16	jurisdictions	jurisdiction	NOUN
fbem-18147	207	17	.	.	PUNCT
fbem-18147	208	1	technology	technology	NOUN
fbem-18147	208	2	,	,	PUNCT
fbem-18147	208	3	management	management	NOUN
fbem-18147	208	4	and	and	CCONJ
fbem-18147	208	5	business	business	NOUN
fbem-18147	208	6	:	:	PUNCT
fbem-18147	208	7	evolving	evolve	VERB
fbem-18147	208	8	perspectives	perspective	NOUN
fbem-18147	208	9	,	,	PUNCT
fbem-18147	208	10	21	21	NUM
fbem-18147	208	11	-	-	SYM
fbem-18147	208	12	31	31	NUM
fbem-18147	208	13	.	.	PUNCT
fbem-18147	209	1	[	[	X
fbem-18147	209	2	10	10	NUM
fbem-18147	209	3	]	]	SYM
fbem-18147	209	4	sampat	sampat	NOUN
fbem-18147	209	5	,	,	PUNCT
fbem-18147	209	6	b.	b.	PROPN
fbem-18147	209	7	,	,	PUNCT
fbem-18147	209	8	mogaji	mogaji	PROPN
fbem-18147	209	9	,	,	PUNCT
fbem-18147	209	10	e.	e.	PROPN
fbem-18147	209	11	,	,	PUNCT
fbem-18147	209	12	&	&	CCONJ
fbem-18147	209	13	nguyen	nguyen	PROPN
fbem-18147	209	14	,	,	PUNCT
fbem-18147	209	15	n.	n.	PROPN
fbem-18147	209	16	p.	p.	PROPN
fbem-18147	209	17	(	(	PUNCT
fbem-18147	209	18	2024	2024	NUM
fbem-18147	209	19	)	)	PUNCT
fbem-18147	209	20	.	.	PUNCT
fbem-18147	210	1	the	the	DET
fbem-18147	210	2	dark	dark	ADJ
fbem-18147	210	3	side	side	NOUN
fbem-18147	210	4	of	of	ADP
fbem-18147	210	5	fintech	fintech	NOUN
fbem-18147	210	6	in	in	ADP
fbem-18147	210	7	financial	financial	ADJ
fbem-18147	210	8	services	service	NOUN
fbem-18147	210	9	:	:	PUNCT
fbem-18147	210	10	a	a	DET
fbem-18147	210	11	qualitative	qualitative	ADJ
fbem-18147	210	12	enquiry	enquiry	NOUN
fbem-18147	210	13	into	into	ADP
fbem-18147	210	14	fintech	fintech	NOUN
fbem-18147	210	15	developers	developer	NOUN
fbem-18147	210	16	’	’	PART
fbem-18147	210	17	perspective	perspective	NOUN
fbem-18147	210	18	.	.	PUNCT
fbem-18147	211	1	international	international	ADJ
fbem-18147	211	2	journal	journal	PROPN
fbem-18147	211	3	of	of	ADP
fbem-18147	211	4	bank	bank	PROPN
fbem-18147	211	5	marketing	marketing	NOUN
fbem-18147	211	6	,	,	PUNCT
fbem-18147	211	7	42(1	42(1	NOUN
fbem-18147	211	8	)	)	PUNCT
fbem-18147	211	9	,	,	PUNCT
fbem-18147	211	10	38	38	NUM
fbem-18147	211	11	-	-	SYM
fbem-18147	211	12	65	65	NUM
fbem-18147	211	13	.	.	PUNCT
fbem-18147	212	1	[	[	X
fbem-18147	212	2	11	11	NUM
fbem-18147	212	3	]	]	X
fbem-18147	212	4	pujihastuti	pujihastuti	NOUN
fbem-18147	212	5	,	,	PUNCT
fbem-18147	212	6	i.	i.	PROPN
fbem-18147	212	7	(	(	PUNCT
fbem-18147	212	8	2023	2023	NUM
fbem-18147	212	9	)	)	PUNCT
fbem-18147	212	10	.	.	PUNCT
fbem-18147	213	1	disruptive	disruptive	ADJ
fbem-18147	213	2	finance	finance	NOUN
fbem-18147	213	3	:	:	PUNCT
fbem-18147	213	4	facing	face	VERB
fbem-18147	213	5	challenges	challenge	NOUN
fbem-18147	213	6	and	and	CCONJ
fbem-18147	213	7	finding	find	VERB
fbem-18147	213	8	opportunities	opportunity	NOUN
fbem-18147	213	9	in	in	ADP
fbem-18147	213	10	a	a	DET
fbem-18147	213	11	new	new	ADJ
fbem-18147	213	12	era	era	NOUN
fbem-18147	213	13	.	.	PUNCT
fbem-18147	214	1	central	central	ADJ
fbem-18147	214	2	european	european	PROPN
fbem-18147	214	3	management	management	PROPN
fbem-18147	214	4	journal	journal	PROPN
fbem-18147	214	5	,	,	PUNCT
fbem-18147	214	6	31(2	31(2	NUM
fbem-18147	214	7	)	)	PUNCT
fbem-18147	214	8	,	,	PUNCT
fbem-18147	214	9	1126	1126	NUM
fbem-18147	214	10	-	-	SYM
fbem-18147	214	11	1133	1133	NUM
fbem-18147	214	12	.	.	PUNCT
fbem-18147	215	1	[	[	X
fbem-18147	215	2	12	12	NUM
fbem-18147	215	3	]	]	X
fbem-18147	215	4	cumming	cumming	NOUN
fbem-18147	215	5	,	,	PUNCT
fbem-18147	215	6	d.	d.	PROPN
fbem-18147	215	7	,	,	PUNCT
fbem-18147	215	8	johan	johan	PROPN
fbem-18147	215	9	,	,	PUNCT
fbem-18147	215	10	s.	s.	PROPN
fbem-18147	215	11	,	,	PUNCT
fbem-18147	215	12	&	&	CCONJ
fbem-18147	215	13	reardon	reardon	PROPN
fbem-18147	215	14	,	,	PUNCT
fbem-18147	215	15	r.	r.	PROPN
fbem-18147	215	16	(	(	PUNCT
fbem-18147	215	17	2023	2023	NUM
fbem-18147	215	18	)	)	PUNCT
fbem-18147	215	19	.	.	PUNCT
fbem-18147	216	1	global	global	ADJ
fbem-18147	216	2	fintech	fintech	NOUN
fbem-18147	216	3	trends	trend	NOUN
fbem-18147	216	4	and	and	CCONJ
fbem-18147	216	5	their	their	PRON
fbem-18147	216	6	impact	impact	NOUN
fbem-18147	216	7	on	on	ADP
fbem-18147	216	8	international	international	ADJ
fbem-18147	216	9	business	business	NOUN
fbem-18147	216	10	:	:	PUNCT
fbem-18147	216	11	a	a	DET
fbem-18147	216	12	review	review	NOUN
fbem-18147	216	13	.	.	PUNCT
fbem-18147	217	1	multinational	multinational	ADJ
fbem-18147	217	2	business	business	PROPN
fbem-18147	217	3	review	review	PROPN
fbem-18147	217	4	,	,	PUNCT
fbem-18147	217	5	31(3	31(3	NUM
fbem-18147	217	6	)	)	PUNCT
fbem-18147	217	7	,	,	PUNCT
fbem-18147	217	8	413	413	NUM
fbem-18147	217	9	-	-	SYM
fbem-18147	217	10	436	436	NUM
fbem-18147	217	11	.	.	PUNCT
fbem-18147	218	1	[	[	X
fbem-18147	218	2	13	13	NUM
fbem-18147	218	3	]	]	PUNCT
fbem-18147	218	4	coffie	coffie	NOUN
fbem-18147	218	5	,	,	PUNCT
fbem-18147	218	6	c.	c.	PROPN
fbem-18147	218	7	p.	p.	PROPN
fbem-18147	218	8	k.	k.	PROPN
fbem-18147	218	9	,	,	PUNCT
fbem-18147	218	10	&	&	CCONJ
fbem-18147	218	11	hongjiang	hongjiang	PROPN
fbem-18147	218	12	,	,	PUNCT
fbem-18147	218	13	z.	z.	PROPN
fbem-18147	218	14	(	(	PUNCT
fbem-18147	218	15	2023	2023	NUM
fbem-18147	218	16	)	)	PUNCT
fbem-18147	218	17	.	.	PUNCT
fbem-18147	219	1	fintech	fintech	NOUN
fbem-18147	219	2	market	market	NOUN
fbem-18147	219	3	development	development	NOUN
fbem-18147	219	4	and	and	CCONJ
fbem-18147	219	5	financial	financial	ADJ
fbem-18147	219	6	inclusion	inclusion	NOUN
fbem-18147	219	7	in	in	ADP
fbem-18147	219	8	ghana	ghana	PROPN
fbem-18147	219	9	:	:	PUNCT
fbem-18147	219	10	the	the	DET
fbem-18147	219	11	role	role	NOUN
fbem-18147	219	12	of	of	ADP
fbem-18147	219	13	heterogeneous	heterogeneous	ADJ
fbem-18147	219	14	actors	actor	NOUN
fbem-18147	219	15	.	.	PUNCT
fbem-18147	220	1	technological	technological	ADJ
fbem-18147	220	2	forecasting	forecasting	NOUN
fbem-18147	220	3	and	and	CCONJ
fbem-18147	220	4	social	social	ADJ
fbem-18147	220	5	change	change	NOUN
fbem-18147	220	6	,	,	PUNCT
fbem-18147	220	7	186	186	NUM
fbem-18147	220	8	,	,	PUNCT
fbem-18147	220	9	122127	122127	NUM
fbem-18147	220	10	.	.	PUNCT
fbem-18147	221	1	[	[	X
fbem-18147	221	2	14	14	NUM
fbem-18147	221	3	]	]	X
fbem-18147	221	4	rufaidah	rufaidah	NOUN
fbem-18147	221	5	,	,	PUNCT
fbem-18147	221	6	f.	f.	PROPN
fbem-18147	221	7	,	,	PUNCT
fbem-18147	221	8	karyani	karyani	PROPN
fbem-18147	221	9	,	,	PUNCT
fbem-18147	221	10	t.	t.	PROPN
fbem-18147	221	11	,	,	PUNCT
fbem-18147	221	12	wulandari	wulandari	X
fbem-18147	221	13	,	,	PUNCT
fbem-18147	221	14	e.	e.	PROPN
fbem-18147	221	15	,	,	PUNCT
fbem-18147	221	16	&	&	CCONJ
fbem-18147	221	17	setiawan	setiawan	PROPN
fbem-18147	221	18	,	,	PUNCT
fbem-18147	221	19	i.	i.	PROPN
fbem-18147	221	20	(	(	PUNCT
fbem-18147	221	21	2023	2023	NUM
fbem-18147	221	22	)	)	PUNCT
fbem-18147	221	23	.	.	PUNCT
fbem-18147	222	1	a	a	DET
fbem-18147	222	2	review	review	NOUN
fbem-18147	222	3	of	of	ADP
fbem-18147	222	4	the	the	DET
fbem-18147	222	5	implementation	implementation	NOUN
fbem-18147	222	6	of	of	ADP
fbem-18147	222	7	financial	financial	ADJ
fbem-18147	222	8	technology	technology	NOUN
fbem-18147	222	9	(	(	PUNCT
fbem-18147	222	10	fintech	fintech	NOUN
fbem-18147	222	11	)	)	PUNCT
fbem-18147	222	12	in	in	ADP
fbem-18147	222	13	the	the	DET
fbem-18147	222	14	indonesian	indonesian	ADJ
fbem-18147	222	15	agricultural	agricultural	ADJ
fbem-18147	222	16	sector	sector	NOUN
fbem-18147	222	17	:	:	PUNCT
fbem-18147	222	18	issues	issue	NOUN
fbem-18147	222	19	,	,	PUNCT
fbem-18147	222	20	access	access	NOUN
fbem-18147	222	21	,	,	PUNCT
fbem-18147	222	22	and	and	CCONJ
fbem-18147	222	23	challenges	challenge	NOUN
fbem-18147	222	24	.	.	PUNCT
fbem-18147	223	1	international	international	ADJ
fbem-18147	223	2	journal	journal	PROPN
fbem-18147	223	3	of	of	ADP
fbem-18147	223	4	financial	financial	ADJ
fbem-18147	223	5	studies	study	NOUN
fbem-18147	223	6	,	,	PUNCT
fbem-18147	223	7	11(3	11(3	NUM
fbem-18147	223	8	)	)	PUNCT
fbem-18147	223	9	,	,	PUNCT
fbem-18147	223	10	108	108	NUM
fbem-18147	223	11	.	.	PUNCT
fbem-18147	224	1	[	[	X
fbem-18147	224	2	15	15	NUM
fbem-18147	224	3	]	]	X
fbem-18147	224	4	chouhan	chouhan	PROPN
fbem-18147	224	5	,	,	PUNCT
fbem-18147	224	6	v.	v.	PROPN
fbem-18147	224	7	,	,	PUNCT
fbem-18147	224	8	ali	ali	PROPN
fbem-18147	224	9	,	,	PUNCT
fbem-18147	224	10	s.	s.	PROPN
fbem-18147	224	11	,	,	PUNCT
fbem-18147	224	12	sharma	sharma	PROPN
fbem-18147	224	13	,	,	PUNCT
fbem-18147	224	14	r.	r.	PROPN
fbem-18147	224	15	b.	b.	PROPN
fbem-18147	224	16	,	,	PUNCT
fbem-18147	224	17	&	&	CCONJ
fbem-18147	224	18	sharma	sharma	PROPN
fbem-18147	224	19	,	,	PUNCT
fbem-18147	224	20	a.	a.	NOUN
fbem-18147	224	21	(	(	PUNCT
fbem-18147	224	22	2023	2023	NUM
fbem-18147	224	23	)	)	PUNCT
fbem-18147	224	24	.	.	PUNCT
fbem-18147	225	1	the	the	DET
fbem-18147	225	2	effect	effect	NOUN
fbem-18147	225	3	of	of	ADP
fbem-18147	225	4	financial	financial	ADJ
fbem-18147	225	5	technology	technology	NOUN
fbem-18147	225	6	(	(	PUNCT
fbem-18147	225	7	fin	fin	NOUN
fbem-18147	225	8	-	-	PUNCT
fbem-18147	225	9	tech	tech	NOUN
fbem-18147	225	10	)	)	PUNCT
fbem-18147	225	11	on	on	ADP
fbem-18147	225	12	the	the	DET
fbem-18147	225	13	conventional	conventional	ADJ
fbem-18147	225	14	banking	banking	NOUN
fbem-18147	225	15	industry	industry	NOUN
fbem-18147	225	16	in	in	ADP
fbem-18147	225	17	india	india	PROPN
fbem-18147	225	18	.	.	PUNCT
fbem-18147	226	1	international	international	ADJ
fbem-18147	226	2	journal	journal	PROPN
fbem-18147	226	3	of	of	ADP
fbem-18147	226	4	innovative	innovative	ADJ
fbem-18147	226	5	research	research	NOUN
fbem-18147	226	6	and	and	CCONJ
fbem-18147	226	7	scientific	scientific	ADJ
fbem-18147	226	8	studies	study	NOUN
fbem-18147	226	9	,	,	PUNCT
fbem-18147	226	10	6(3	6(3	NUM
fbem-18147	226	11	)	)	PUNCT
fbem-18147	226	12	,	,	PUNCT
fbem-18147	226	13	538	538	NUM
fbem-18147	226	14	-	-	SYM
fbem-18147	226	15	544	544	NUM
fbem-18147	226	16	.	.	PUNCT
fbem-18147	227	1	[	[	X
fbem-18147	227	2	16	16	NUM
fbem-18147	227	3	]	]	PUNCT
fbem-18147	227	4	asif	asif	NOUN
fbem-18147	227	5	,	,	PUNCT
fbem-18147	227	6	m.	m.	NOUN
fbem-18147	227	7	,	,	PUNCT
fbem-18147	227	8	lodhi	lodhi	PROPN
fbem-18147	227	9	,	,	PUNCT
fbem-18147	227	10	r.	r.	PROPN
fbem-18147	227	11	n.	n.	PROPN
fbem-18147	227	12	,	,	PUNCT
fbem-18147	227	13	sarwar	sarwar	PROPN
fbem-18147	227	14	,	,	PUNCT
fbem-18147	227	15	f.	f.	PROPN
fbem-18147	227	16	,	,	PUNCT
fbem-18147	227	17	&	&	CCONJ
fbem-18147	227	18	ashfaq	ashfaq	NOUN
fbem-18147	227	19	,	,	PUNCT
fbem-18147	227	20	m.	m.	NOUN
fbem-18147	227	21	(	(	PUNCT
fbem-18147	227	22	2024	2024	NUM
fbem-18147	227	23	)	)	PUNCT
fbem-18147	227	24	.	.	PUNCT
fbem-18147	228	1	dark	dark	ADJ
fbem-18147	228	2	side	side	NOUN
fbem-18147	228	3	whitewashes	whitewash	VERB
fbem-18147	228	4	the	the	DET
fbem-18147	228	5	benefits	benefit	NOUN
fbem-18147	228	6	of	of	ADP
fbem-18147	228	7	fintech	fintech	NOUN
fbem-18147	228	8	innovations	innovation	NOUN
fbem-18147	228	9	:	:	PUNCT
fbem-18147	228	10	a	a	DET
fbem-18147	228	11	bibliometric	bibliometric	ADJ
fbem-18147	228	12	overview	overview	NOUN
fbem-18147	228	13	.	.	PUNCT
fbem-18147	229	1	international	international	ADJ
fbem-18147	229	2	journal	journal	PROPN
fbem-18147	229	3	of	of	ADP
fbem-18147	229	4	bank	bank	PROPN
fbem-18147	229	5	marketing	marketing	NOUN
fbem-18147	229	6	,	,	PUNCT
fbem-18147	229	7	42(1	42(1	NOUN
fbem-18147	229	8	)	)	PUNCT
fbem-18147	229	9	,	,	PUNCT
fbem-18147	229	10	113	113	NUM
fbem-18147	229	11	-	-	SYM
fbem-18147	229	12	132	132	NUM
fbem-18147	229	13	.	.	PUNCT
fbem-18147	230	1	[	[	X
fbem-18147	230	2	17	17	NUM
fbem-18147	230	3	]	]	PUNCT
fbem-18147	230	4	rîmniceanu	rîmniceanu	NOUN
fbem-18147	230	5	,	,	PUNCT
fbem-18147	230	6	r.	r.	PROPN
fbem-18147	230	7	(	(	PUNCT
fbem-18147	230	8	2023	2023	NUM
fbem-18147	230	9	,	,	PUNCT
fbem-18147	230	10	may	may	AUX
fbem-18147	230	11	)	)	PUNCT
fbem-18147	230	12	.	.	PUNCT
fbem-18147	231	1	innovation	innovation	NOUN
fbem-18147	231	2	in	in	ADP
fbem-18147	231	3	the	the	DET
fbem-18147	231	4	financial	financial	ADJ
fbem-18147	231	5	sector	sector	NOUN
fbem-18147	231	6	(	(	PUNCT
fbem-18147	231	7	fintech	fintech	NOUN
fbem-18147	231	8	):	):	PUNCT
fbem-18147	231	9	paradigms	paradigm	NOUN
fbem-18147	231	10	,	,	PUNCT
fbem-18147	231	11	causes	cause	NOUN
fbem-18147	231	12	,	,	PUNCT
fbem-18147	231	13	effects	effect	NOUN
fbem-18147	231	14	and	and	CCONJ
fbem-18147	231	15	perspectives	perspective	NOUN
fbem-18147	231	16	.	.	PUNCT
fbem-18147	232	1	in	in	ADP
fbem-18147	232	2	proceedings	proceeding	NOUN
fbem-18147	232	3	of	of	ADP
fbem-18147	232	4	the	the	DET
fbem-18147	232	5	international	international	ADJ
fbem-18147	232	6	conference	conference	NOUN
fbem-18147	232	7	on	on	ADP
fbem-18147	232	8	cybersecurity	cybersecurity	NOUN
fbem-18147	232	9	and	and	CCONJ
fbem-18147	232	10	cybercrime-2023	cybercrime-2023	NOUN
fbem-18147	232	11	(	(	PUNCT
fbem-18147	232	12	pp	pp	ADJ
fbem-18147	232	13	.	.	PUNCT
fbem-18147	232	14	21	21	NUM
fbem-18147	232	15	-	-	SYM
fbem-18147	232	16	33	33	NUM
fbem-18147	232	17	)	)	PUNCT
fbem-18147	232	18	.	.	PUNCT
fbem-18147	233	1	asociatia	asociatia	PROPN
fbem-18147	233	2	romana	romana	PROPN
fbem-18147	233	3	pentru	pentru	PROPN
fbem-18147	233	4	asigurarea	asigurarea	PROPN
fbem-18147	233	5	securitatii	securitatii	PROPN
fbem-18147	233	6	informatiei	informatiei	PROPN
fbem-18147	233	7	.	.	PUNCT
fbem-18147	234	1	[	[	X
fbem-18147	234	2	18	18	NUM
fbem-18147	234	3	]	]	PUNCT
fbem-18147	234	4	rakočević	rakočević	NOUN
fbem-18147	234	5	,	,	PUNCT
fbem-18147	234	6	s.	s.	PROPN
fbem-18147	234	7	b.	b.	PROPN
fbem-18147	234	8	,	,	PUNCT
fbem-18147	234	9	&	&	CCONJ
fbem-18147	234	10	rakić	rakić	PROPN
fbem-18147	234	11	,	,	PUNCT
fbem-18147	234	12	n.	n.	PROPN
fbem-18147	234	13	(	(	PUNCT
fbem-18147	234	14	2023	2023	NUM
fbem-18147	234	15	)	)	PUNCT
fbem-18147	234	16	.	.	PUNCT
fbem-18147	235	1	the	the	DET
fbem-18147	235	2	future	future	NOUN
fbem-18147	235	3	of	of	ADP
fbem-18147	235	4	banking	banking	NOUN
fbem-18147	235	5	in	in	ADP
fbem-18147	235	6	fintech	fintech	NOUN
fbem-18147	235	7	era	era	NOUN
fbem-18147	235	8	:	:	PUNCT
fbem-18147	235	9	decentralized	decentralize	VERB
fbem-18147	235	10	and	and	CCONJ
fbem-18147	235	11	embedded	embed	VERB
fbem-18147	235	12	finance	finance	NOUN
fbem-18147	235	13	.	.	PUNCT
fbem-18147	236	1	in	in	ADP
fbem-18147	236	2	digital	digital	ADJ
fbem-18147	236	3	transformation	transformation	NOUN
fbem-18147	236	4	of	of	ADP
fbem-18147	236	5	the	the	DET
fbem-18147	236	6	financial	financial	ADJ
fbem-18147	236	7	industry	industry	NOUN
fbem-18147	236	8	:	:	PUNCT
fbem-18147	236	9	approaches	approach	NOUN
fbem-18147	236	10	and	and	CCONJ
fbem-18147	236	11	applications	application	NOUN
fbem-18147	236	12	(	(	PUNCT
fbem-18147	236	13	pp	pp	ADJ
fbem-18147	236	14	.	.	PUNCT
fbem-18147	237	1	97	97	NUM
fbem-18147	237	2	-	-	SYM
fbem-18147	237	3	111	111	NUM
fbem-18147	237	4	)	)	PUNCT
fbem-18147	237	5	.	.	PUNCT
fbem-18147	238	1	cham	cham	PROPN
fbem-18147	238	2	:	:	PUNCT
fbem-18147	238	3	springer	springer	NOUN
fbem-18147	238	4	international	international	ADJ
fbem-18147	238	5	publishing	publishing	NOUN
fbem-18147	238	6	.	.	PUNCT
fbem-18147	239	1	[	[	X
fbem-18147	239	2	19	19	NUM
fbem-18147	239	3	]	]	X
fbem-18147	239	4	yáñez	yáñez	NOUN
fbem-18147	239	5	-	-	PUNCT
fbem-18147	239	6	valdés	valdés	ADJ
fbem-18147	239	7	,	,	PUNCT
fbem-18147	239	8	c.	c.	PROPN
fbem-18147	239	9	,	,	PUNCT
fbem-18147	239	10	&	&	CCONJ
fbem-18147	239	11	guerrero	guerrero	PROPN
fbem-18147	239	12	,	,	PUNCT
fbem-18147	239	13	m.	m.	NOUN
fbem-18147	239	14	(	(	PUNCT
fbem-18147	239	15	2023	2023	NUM
fbem-18147	239	16	)	)	PUNCT
fbem-18147	239	17	.	.	PUNCT
fbem-18147	240	1	assessing	assess	VERB
fbem-18147	240	2	the	the	DET
fbem-18147	240	3	organizational	organizational	ADJ
fbem-18147	240	4	and	and	CCONJ
fbem-18147	240	5	ecosystem	ecosystem	NOUN
fbem-18147	240	6	factors	factor	NOUN
fbem-18147	240	7	driving	drive	VERB
fbem-18147	240	8	the	the	DET
fbem-18147	240	9	impact	impact	NOUN
fbem-18147	240	10	of	of	ADP
fbem-18147	240	11	transformative	transformative	ADJ
fbem-18147	240	12	fintech	fintech	NOUN
fbem-18147	240	13	platforms	platform	NOUN
fbem-18147	240	14	in	in	ADP
fbem-18147	240	15	emerging	emerge	VERB
fbem-18147	240	16	economies	economy	NOUN
fbem-18147	240	17	.	.	PUNCT
fbem-18147	241	1	international	international	ADJ
fbem-18147	241	2	journal	journal	PROPN
fbem-18147	241	3	of	of	ADP
fbem-18147	241	4	information	information	NOUN
fbem-18147	241	5	management	management	NOUN
fbem-18147	241	6	,	,	PUNCT
fbem-18147	241	7	73	73	NUM
fbem-18147	241	8	,	,	PUNCT
fbem-18147	241	9	102689	102689	NUM
fbem-18147	241	10	.	.	PUNCT