id	sid	tid	token	lemma	pos
fbem-18628	1	1	frontiers	frontier	NOUN
fbem-18628	1	2	in	in	ADP
fbem-18628	1	3	business	business	NOUN
fbem-18628	1	4	,	,	PUNCT
fbem-18628	1	5	economics	economic	NOUN
fbem-18628	1	6	and	and	CCONJ
fbem-18628	1	7	management	management	NOUN
fbem-18628	1	8	issn	issn	PROPN
fbem-18628	1	9	:	:	PUNCT
fbem-18628	1	10	2766	2766	NUM
fbem-18628	1	11	-	-	PUNCT
fbem-18628	1	12	824x	824x	NUM
fbem-18628	1	13	|	|	ADJ
fbem-18628	1	14	vol	vol	NOUN
fbem-18628	1	15	.	.	PUNCT
fbem-18628	2	1	14	14	NUM
fbem-18628	2	2	,	,	PUNCT
fbem-18628	2	3	no	no	INTJ
fbem-18628	2	4	.	.	NOUN
fbem-18628	2	5	1	1	NUM
fbem-18628	2	6	,	,	PUNCT
fbem-18628	2	7	2024	2024	NUM
fbem-18628	2	8	19	19	NUM
fbem-18628	2	9	the	the	DET
fbem-18628	2	10	long‐cycle	long‐cycle	PROPN
fbem-18628	2	11	elderly	elderly	PROPN
fbem-18628	2	12	care	care	NOUN
fbem-18628	2	13	service	service	NOUN
fbem-18628	2	14	model	model	NOUN
fbem-18628	2	15	for	for	ADP
fbem-18628	2	16	young	young	ADJ
fbem-18628	2	17	people	people	NOUN
fbem-18628	2	18	:	:	PUNCT
fbem-18628	2	19	a	a	DET
fbem-18628	2	20	case	case	NOUN
fbem-18628	2	21	study	study	NOUN
fbem-18628	2	22	of	of	ADP
fbem-18628	2	23	financial	financial	ADJ
fbem-18628	2	24	elderly	elderly	ADJ
fbem-18628	2	25	care	care	NOUN
fbem-18628	2	26	services	service	NOUN
fbem-18628	2	27	based	base	VERB
fbem-18628	2	28	on	on	ADP
fbem-18628	2	29	virtual	virtual	ADJ
fbem-18628	2	30	digital	digital	ADJ
fbem-18628	2	31	human	human	ADJ
fbem-18628	2	32	technology	technology	NOUN
fbem-18628	2	33	xinwei	xinwei	PROPN
fbem-18628	2	34	guan	guan	PROPN
fbem-18628	2	35	,	,	PUNCT
fbem-18628	2	36	yao	yao	PROPN
fbem-18628	2	37	wang	wang	PROPN
fbem-18628	2	38	,	,	PUNCT
fbem-18628	3	1	dengkai	dengkai	PROPN
fbem-18628	3	2	chen	chen	PROPN
fbem-18628	3	3	*	*	PROPN
fbem-18628	3	4	key	key	PROPN
fbem-18628	3	5	laboratory	laboratory	NOUN
fbem-18628	3	6	of	of	ADP
fbem-18628	3	7	ministry	ministry	PROPN
fbem-18628	3	8	of	of	ADP
fbem-18628	3	9	industrial	industrial	ADJ
fbem-18628	3	10	design	design	NOUN
fbem-18628	3	11	and	and	CCONJ
fbem-18628	3	12	ergonomics	ergonomic	NOUN
fbem-18628	3	13	,	,	PUNCT
fbem-18628	3	14	ministry	ministry	NOUN
fbem-18628	3	15	of	of	ADP
fbem-18628	3	16	industry	industry	NOUN
fbem-18628	3	17	and	and	CCONJ
fbem-18628	3	18	information	information	NOUN
fbem-18628	3	19	technology	technology	NOUN
fbem-18628	3	20	,	,	PUNCT
fbem-18628	3	21	northwestern	northwestern	PROPN
fbem-18628	3	22	polytechnical	polytechnical	PROPN
fbem-18628	3	23	university	university	PROPN
fbem-18628	3	24	,	,	PUNCT
fbem-18628	3	25	xi’an	xi’an	PROPN
fbem-18628	3	26	710072	710072	NUM
fbem-18628	3	27	,	,	PUNCT
fbem-18628	3	28	china	china	PROPN
fbem-18628	3	29	*	*	PUNCT
fbem-18628	3	30	corresponding	correspond	VERB
fbem-18628	3	31	author	author	NOUN
fbem-18628	3	32	abstract	abstract	NOUN
fbem-18628	3	33	:	:	PUNCT
fbem-18628	3	34	there	there	PRON
fbem-18628	3	35	is	be	VERB
fbem-18628	3	36	a	a	DET
fbem-18628	3	37	lack	lack	NOUN
fbem-18628	3	38	of	of	ADP
fbem-18628	3	39	financial	financial	ADJ
fbem-18628	3	40	elderly	elderly	ADJ
fbem-18628	3	41	care	care	NOUN
fbem-18628	3	42	services	service	NOUN
fbem-18628	3	43	for	for	ADP
fbem-18628	3	44	young	young	ADJ
fbem-18628	3	45	people	people	NOUN
fbem-18628	3	46	in	in	ADP
fbem-18628	3	47	china	china	PROPN
fbem-18628	3	48	.	.	PUNCT
fbem-18628	4	1	such	such	ADJ
fbem-18628	4	2	services	service	NOUN
fbem-18628	4	3	in	in	ADP
fbem-18628	4	4	traditional	traditional	ADJ
fbem-18628	4	5	ways	way	NOUN
fbem-18628	4	6	are	be	AUX
fbem-18628	4	7	unlikely	unlikely	ADJ
fbem-18628	4	8	to	to	PART
fbem-18628	4	9	meet	meet	VERB
fbem-18628	4	10	their	their	PRON
fbem-18628	4	11	future	future	ADJ
fbem-18628	4	12	needs	need	NOUN
fbem-18628	4	13	because	because	SCONJ
fbem-18628	4	14	of	of	ADP
fbem-18628	4	15	the	the	DET
fbem-18628	4	16	decreasing	decrease	VERB
fbem-18628	4	17	workforce	workforce	NOUN
fbem-18628	4	18	.	.	PUNCT
fbem-18628	5	1	therefore	therefore	ADV
fbem-18628	5	2	,	,	PUNCT
fbem-18628	5	3	the	the	DET
fbem-18628	5	4	current	current	ADJ
fbem-18628	5	5	study	study	NOUN
fbem-18628	5	6	aims	aim	VERB
fbem-18628	5	7	to	to	PART
fbem-18628	5	8	establish	establish	VERB
fbem-18628	5	9	long	long	ADJ
fbem-18628	5	10	-	-	PUNCT
fbem-18628	5	11	cycle	cycle	NOUN
fbem-18628	5	12	financial	financial	ADJ
fbem-18628	5	13	elderly	elderly	ADJ
fbem-18628	5	14	care	care	NOUN
fbem-18628	5	15	services	service	NOUN
fbem-18628	5	16	for	for	ADP
fbem-18628	5	17	young	young	ADJ
fbem-18628	5	18	people	people	NOUN
fbem-18628	5	19	through	through	ADP
fbem-18628	5	20	virtual	virtual	ADJ
fbem-18628	5	21	digital	digital	ADJ
fbem-18628	5	22	human	human	ADJ
fbem-18628	5	23	technology	technology	NOUN
fbem-18628	5	24	.	.	PUNCT
fbem-18628	6	1	five	five	NUM
fbem-18628	6	2	young	young	ADJ
fbem-18628	6	3	people	people	NOUN
fbem-18628	6	4	are	be	AUX
fbem-18628	6	5	first	first	ADV
fbem-18628	6	6	interviewed	interview	VERB
fbem-18628	6	7	about	about	ADP
fbem-18628	6	8	financial	financial	ADJ
fbem-18628	6	9	elderly	elderly	ADJ
fbem-18628	6	10	care	care	NOUN
fbem-18628	6	11	services	service	NOUN
fbem-18628	6	12	;	;	PUNCT
fbem-18628	6	13	then	then	ADV
fbem-18628	6	14	,	,	PUNCT
fbem-18628	6	15	a	a	DET
fbem-18628	6	16	survey	survey	NOUN
fbem-18628	6	17	is	be	AUX
fbem-18628	6	18	conducted	conduct	VERB
fbem-18628	6	19	for	for	ADP
fbem-18628	6	20	another	another	DET
fbem-18628	6	21	sixty	sixty	ADJ
fbem-18628	6	22	young	young	ADJ
fbem-18628	6	23	people	people	NOUN
fbem-18628	6	24	;	;	PUNCT
fbem-18628	6	25	after	after	ADP
fbem-18628	6	26	that	that	PRON
fbem-18628	6	27	,	,	PUNCT
fbem-18628	6	28	needs	need	VERB
fbem-18628	6	29	for	for	ADP
fbem-18628	6	30	financial	financial	ADJ
fbem-18628	6	31	elderly	elderly	ADJ
fbem-18628	6	32	care	care	NOUN
fbem-18628	6	33	services	service	NOUN
fbem-18628	6	34	are	be	AUX
fbem-18628	6	35	extracted	extract	VERB
fbem-18628	6	36	from	from	ADP
fbem-18628	6	37	the	the	DET
fbem-18628	6	38	interview	interview	NOUN
fbem-18628	6	39	and	and	CCONJ
fbem-18628	6	40	the	the	DET
fbem-18628	6	41	survey	survey	NOUN
fbem-18628	6	42	.	.	PUNCT
fbem-18628	7	1	based	base	VERB
fbem-18628	7	2	on	on	ADP
fbem-18628	7	3	such	such	ADJ
fbem-18628	7	4	needs	need	NOUN
fbem-18628	7	5	,	,	PUNCT
fbem-18628	7	6	this	this	DET
fbem-18628	7	7	study	study	NOUN
fbem-18628	7	8	proposes	propose	VERB
fbem-18628	7	9	a	a	DET
fbem-18628	7	10	financial	financial	ADJ
fbem-18628	7	11	elderly	elderly	ADJ
fbem-18628	7	12	service	service	NOUN
fbem-18628	7	13	model	model	NOUN
fbem-18628	7	14	built	build	VERB
fbem-18628	7	15	on	on	ADP
fbem-18628	7	16	design	design	NOUN
fbem-18628	7	17	strategies	strategy	NOUN
fbem-18628	7	18	including	include	VERB
fbem-18628	7	19	effective	effective	ADJ
fbem-18628	7	20	service	service	NOUN
fbem-18628	7	21	touchpoints	touchpoint	NOUN
fbem-18628	7	22	,	,	PUNCT
fbem-18628	7	23	clear	clear	ADJ
fbem-18628	7	24	communication	communication	NOUN
fbem-18628	7	25	,	,	PUNCT
fbem-18628	7	26	personalized	personalized	ADJ
fbem-18628	7	27	service	service	NOUN
fbem-18628	7	28	design	design	NOUN
fbem-18628	7	29	,	,	PUNCT
fbem-18628	7	30	and	and	CCONJ
fbem-18628	7	31	immersive	immersive	ADJ
fbem-18628	7	32	interaction	interaction	NOUN
fbem-18628	7	33	,	,	PUNCT
fbem-18628	7	34	which	which	PRON
fbem-18628	7	35	is	be	AUX
fbem-18628	7	36	displayed	display	VERB
fbem-18628	7	37	on	on	ADP
fbem-18628	7	38	an	an	DET
fbem-18628	7	39	app	app	NOUN
fbem-18628	7	40	called	call	VERB
fbem-18628	7	41	reme	reme	NOUN
fbem-18628	7	42	.	.	PUNCT
fbem-18628	8	1	this	this	DET
fbem-18628	8	2	model	model	NOUN
fbem-18628	8	3	can	can	AUX
fbem-18628	8	4	be	be	AUX
fbem-18628	8	5	a	a	DET
fbem-18628	8	6	reference	reference	NOUN
fbem-18628	8	7	for	for	ADP
fbem-18628	8	8	designing	design	VERB
fbem-18628	8	9	long	long	ADJ
fbem-18628	8	10	-	-	PUNCT
fbem-18628	8	11	cycle	cycle	NOUN
fbem-18628	8	12	elderly	elderly	ADJ
fbem-18628	8	13	care	care	NOUN
fbem-18628	8	14	systems	system	NOUN
fbem-18628	8	15	.	.	PUNCT
fbem-18628	9	1	keywords	keyword	NOUN
fbem-18628	9	2	:	:	PUNCT
fbem-18628	9	3	financial	financial	ADJ
fbem-18628	9	4	elderly	elderly	ADJ
fbem-18628	9	5	care	care	NOUN
fbem-18628	9	6	;	;	PUNCT
fbem-18628	9	7	service	service	NOUN
fbem-18628	9	8	design	design	NOUN
fbem-18628	9	9	;	;	PUNCT
fbem-18628	9	10	virtual	virtual	ADJ
fbem-18628	9	11	digital	digital	ADJ
fbem-18628	9	12	human	human	NOUN
fbem-18628	9	13	.	.	PUNCT
fbem-18628	10	1	1	1	X
fbem-18628	10	2	.	.	X
fbem-18628	10	3	introduction	introduction	NOUN
fbem-18628	10	4	in	in	ADP
fbem-18628	10	5	recent	recent	ADJ
fbem-18628	10	6	years	year	NOUN
fbem-18628	10	7	,	,	PUNCT
fbem-18628	10	8	contemporary	contemporary	ADJ
fbem-18628	10	9	young	young	ADJ
fbem-18628	10	10	people	people	NOUN
fbem-18628	10	11	in	in	ADP
fbem-18628	10	12	china	china	PROPN
fbem-18628	10	13	are	be	AUX
fbem-18628	10	14	more	more	ADV
fbem-18628	10	15	anxious	anxious	ADJ
fbem-18628	10	16	about	about	ADP
fbem-18628	10	17	their	their	PRON
fbem-18628	10	18	future	future	ADJ
fbem-18628	10	19	elderly	elderly	ADJ
fbem-18628	10	20	care	care	NOUN
fbem-18628	10	21	than	than	ADP
fbem-18628	10	22	before	before	ADV
fbem-18628	10	23	.	.	PUNCT
fbem-18628	11	1	on	on	ADP
fbem-18628	11	2	the	the	DET
fbem-18628	11	3	one	one	NUM
fbem-18628	11	4	hand	hand	NOUN
fbem-18628	11	5	pensions	pension	NOUN
fbem-18628	11	6	may	may	AUX
fbem-18628	11	7	be	be	AUX
fbem-18628	11	8	inadequate	inadequate	ADJ
fbem-18628	11	9	in	in	ADP
fbem-18628	11	10	the	the	DET
fbem-18628	11	11	future	future	NOUN
fbem-18628	11	12	(	(	PUNCT
fbem-18628	11	13	yang	yang	PROPN
fbem-18628	11	14	,	,	PUNCT
fbem-18628	11	15	2017	2017	NUM
fbem-18628	11	16	)	)	PUNCT
fbem-18628	11	17	,	,	PUNCT
fbem-18628	11	18	on	on	ADP
fbem-18628	11	19	the	the	DET
fbem-18628	11	20	other	other	ADJ
fbem-18628	11	21	hand	hand	NOUN
fbem-18628	11	22	these	these	DET
fbem-18628	11	23	young	young	ADJ
fbem-18628	11	24	people	people	NOUN
fbem-18628	11	25	may	may	AUX
fbem-18628	11	26	not	not	PART
fbem-18628	11	27	get	get	VERB
fbem-18628	11	28	sufficient	sufficient	ADJ
fbem-18628	11	29	services	service	NOUN
fbem-18628	11	30	when	when	SCONJ
fbem-18628	11	31	they	they	PRON
fbem-18628	11	32	are	be	AUX
fbem-18628	11	33	old	old	ADJ
fbem-18628	11	34	because	because	SCONJ
fbem-18628	11	35	of	of	ADP
fbem-18628	11	36	labor	labor	NOUN
fbem-18628	11	37	shortage	shortage	NOUN
fbem-18628	11	38	in	in	ADP
fbem-18628	11	39	china	china	PROPN
fbem-18628	11	40	(	(	PUNCT
fbem-18628	11	41	huang	huang	PROPN
fbem-18628	11	42	&	&	CCONJ
fbem-18628	11	43	zhang	zhang	PROPN
fbem-18628	11	44	,	,	PUNCT
fbem-18628	11	45	2021)[1	2021)[1	PROPN
fbem-18628	11	46	]	]	PUNCT
fbem-18628	11	47	.	.	PUNCT
fbem-18628	12	1	these	these	DET
fbem-18628	12	2	young	young	ADJ
fbem-18628	12	3	people	people	NOUN
fbem-18628	12	4	should	should	AUX
fbem-18628	12	5	early	early	ADV
fbem-18628	12	6	make	make	VERB
fbem-18628	12	7	efforts	effort	NOUN
fbem-18628	12	8	to	to	PART
fbem-18628	12	9	reserve	reserve	VERB
fbem-18628	12	10	and	and	CCONJ
fbem-18628	12	11	invest	invest	VERB
fbem-18628	12	12	in	in	ADP
fbem-18628	12	13	pensions	pension	NOUN
fbem-18628	12	14	to	to	PART
fbem-18628	12	15	face	face	VERB
fbem-18628	12	16	with	with	ADP
fbem-18628	12	17	the	the	DET
fbem-18628	12	18	future	future	ADJ
fbem-18628	12	19	challenges	challenge	NOUN
fbem-18628	12	20	.	.	PUNCT
fbem-18628	13	1	as	as	ADP
fbem-18628	13	2	the	the	DET
fbem-18628	13	3	most	most	ADV
fbem-18628	13	4	economically	economically	ADV
fbem-18628	13	5	active	active	ADJ
fbem-18628	13	6	groups	group	NOUN
fbem-18628	13	7	in	in	ADP
fbem-18628	13	8	the	the	DET
fbem-18628	13	9	society	society	NOUN
fbem-18628	13	10	,	,	PUNCT
fbem-18628	13	11	contemporary	contemporary	ADJ
fbem-18628	13	12	chinese	chinese	ADJ
fbem-18628	13	13	young	young	ADJ
fbem-18628	13	14	people	people	NOUN
fbem-18628	13	15	prepare	prepare	VERB
fbem-18628	13	16	for	for	ADP
fbem-18628	13	17	pensions	pension	NOUN
fbem-18628	13	18	as	as	ADV
fbem-18628	13	19	early	early	ADV
fbem-18628	13	20	as	as	ADP
fbem-18628	13	21	possible	possible	ADJ
fbem-18628	13	22	will	will	AUX
fbem-18628	13	23	not	not	PART
fbem-18628	13	24	only	only	ADV
fbem-18628	13	25	help	help	VERB
fbem-18628	13	26	themselves	themselves	PRON
fbem-18628	13	27	in	in	ADP
fbem-18628	13	28	the	the	DET
fbem-18628	13	29	future	future	NOUN
fbem-18628	13	30	but	but	CCONJ
fbem-18628	13	31	also	also	ADV
fbem-18628	13	32	active	active	ADJ
fbem-18628	13	33	the	the	DET
fbem-18628	13	34	economic	economic	ADJ
fbem-18628	13	35	market	market	NOUN
fbem-18628	13	36	.	.	PUNCT
fbem-18628	14	1	however	however	ADV
fbem-18628	14	2	,	,	PUNCT
fbem-18628	14	3	insufficient	insufficient	ADJ
fbem-18628	14	4	financial	financial	ADJ
fbem-18628	14	5	elderly	elderly	ADJ
fbem-18628	14	6	care	care	NOUN
fbem-18628	14	7	services	service	NOUN
fbem-18628	14	8	for	for	ADP
fbem-18628	14	9	young	young	ADJ
fbem-18628	14	10	people	people	NOUN
fbem-18628	14	11	(	(	PUNCT
fbem-18628	14	12	zhang	zhang	PROPN
fbem-18628	14	13	,	,	PUNCT
fbem-18628	14	14	yang	yang	PROPN
fbem-18628	14	15	,	,	PUNCT
fbem-18628	14	16	2022	2022	NUM
fbem-18628	14	17	)	)	PUNCT
fbem-18628	14	18	and	and	CCONJ
fbem-18628	14	19	shortage	shortage	NOUN
fbem-18628	14	20	of	of	ADP
fbem-18628	14	21	experience	experience	NOUN
fbem-18628	14	22	in	in	ADP
fbem-18628	14	23	financial	financial	ADJ
fbem-18628	14	24	management	management	NOUN
fbem-18628	14	25	(	(	PUNCT
fbem-18628	14	26	hahn	hahn	PROPN
fbem-18628	14	27	,	,	PUNCT
fbem-18628	14	28	lee	lee	PROPN
fbem-18628	14	29	,	,	PUNCT
fbem-18628	14	30	and	and	CCONJ
fbem-18628	14	31	kim	kim	PROPN
fbem-18628	14	32	,	,	PUNCT
fbem-18628	14	33	2022	2022	NUM
fbem-18628	14	34	)	)	PUNCT
fbem-18628	14	35	inhibit	inhibit	VERB
fbem-18628	14	36	contemporary	contemporary	ADJ
fbem-18628	14	37	chinese	chinese	ADJ
fbem-18628	14	38	young	young	ADJ
fbem-18628	14	39	people	people	NOUN
fbem-18628	14	40	to	to	PART
fbem-18628	14	41	prepare	prepare	VERB
fbem-18628	14	42	for	for	ADP
fbem-18628	14	43	future	future	ADJ
fbem-18628	14	44	elderly	elderly	ADJ
fbem-18628	14	45	care	care	NOUN
fbem-18628	14	46	.	.	PUNCT
fbem-18628	15	1	in	in	ADP
fbem-18628	15	2	the	the	DET
fbem-18628	15	3	context	context	NOUN
fbem-18628	15	4	of	of	ADP
fbem-18628	15	5	negative	negative	ADJ
fbem-18628	15	6	population	population	NOUN
fbem-18628	15	7	growth	growth	NOUN
fbem-18628	15	8	(	(	PUNCT
fbem-18628	15	9	qi	qi	PROPN
fbem-18628	15	10	,	,	PUNCT
fbem-18628	15	11	liu	liu	PROPN
fbem-18628	15	12	&	&	CCONJ
fbem-18628	15	13	liu	liu	PROPN
fbem-18628	15	14	,	,	PUNCT
fbem-18628	15	15	2022	2022	NUM
fbem-18628	15	16	)	)	PUNCT
fbem-18628	15	17	,	,	PUNCT
fbem-18628	15	18	labour	labour	NOUN
fbem-18628	15	19	force	force	NOUN
fbem-18628	15	20	shortage	shortage	NOUN
fbem-18628	15	21	(	(	PUNCT
fbem-18628	15	22	ding	ding	NOUN
fbem-18628	15	23	&	&	CCONJ
fbem-18628	15	24	xu	xu	PROPN
fbem-18628	15	25	,	,	PUNCT
fbem-18628	15	26	2021	2021	NUM
fbem-18628	15	27	)	)	PUNCT
fbem-18628	15	28	,	,	PUNCT
fbem-18628	15	29	and	and	CCONJ
fbem-18628	15	30	rising	rise	VERB
fbem-18628	15	31	old	old	ADJ
fbem-18628	15	32	-	-	PUNCT
fbem-18628	15	33	age	age	NOUN
fbem-18628	15	34	dependency	dependency	NOUN
fbem-18628	15	35	coefficients	coefficient	NOUN
fbem-18628	15	36	,	,	PUNCT
fbem-18628	15	37	virtual	virtual	ADJ
fbem-18628	15	38	digital	digital	ADJ
fbem-18628	15	39	human	human	NOUN
fbem-18628	15	40	(	(	PUNCT
fbem-18628	15	41	vdh	vdh	NOUN
fbem-18628	15	42	)	)	PUNCT
fbem-18628	15	43	is	be	AUX
fbem-18628	15	44	a	a	DET
fbem-18628	15	45	potential	potential	ADJ
fbem-18628	15	46	resource	resource	NOUN
fbem-18628	15	47	to	to	PART
fbem-18628	15	48	guide	guide	VERB
fbem-18628	15	49	young	young	ADJ
fbem-18628	15	50	people	people	NOUN
fbem-18628	15	51	to	to	PART
fbem-18628	15	52	prepare	prepare	VERB
fbem-18628	15	53	for	for	ADP
fbem-18628	15	54	future	future	ADJ
fbem-18628	15	55	pensions	pension	NOUN
fbem-18628	15	56	and	and	CCONJ
fbem-18628	15	57	provide	provide	VERB
fbem-18628	15	58	old	old	ADJ
fbem-18628	15	59	-	-	PUNCT
fbem-18628	15	60	age	age	NOUN
fbem-18628	15	61	services	service	NOUN
fbem-18628	15	62	for	for	ADP
fbem-18628	15	63	them	they	PRON
fbem-18628	15	64	in	in	ADP
fbem-18628	15	65	the	the	DET
fbem-18628	15	66	future(guo	future(guo	NOUN
fbem-18628	15	67	,	,	PUNCT
fbem-18628	15	68	2022)[2	2022)[2	NUM
fbem-18628	15	69	]	]	PUNCT
fbem-18628	15	70	.	.	PUNCT
fbem-18628	16	1	in	in	ADP
fbem-18628	16	2	consideration	consideration	NOUN
fbem-18628	16	3	of	of	ADP
fbem-18628	16	4	labor	labor	NOUN
fbem-18628	16	5	shortage	shortage	NOUN
fbem-18628	16	6	in	in	ADP
fbem-18628	16	7	the	the	DET
fbem-18628	16	8	future	future	NOUN
fbem-18628	16	9	,	,	PUNCT
fbem-18628	16	10	contemporary	contemporary	ADJ
fbem-18628	16	11	young	young	ADJ
fbem-18628	16	12	people	people	NOUN
fbem-18628	16	13	in	in	ADP
fbem-18628	16	14	china	china	PROPN
fbem-18628	16	15	need	need	VERB
fbem-18628	16	16	more	more	ADV
fbem-18628	16	17	intelligent	intelligent	ADJ
fbem-18628	16	18	and	and	CCONJ
fbem-18628	16	19	less	less	ADJ
fbem-18628	16	20	manual	manual	ADJ
fbem-18628	16	21	services	service	NOUN
fbem-18628	16	22	.	.	PUNCT
fbem-18628	17	1	vdh	vdh	PROPN
fbem-18628	17	2	can	can	AUX
fbem-18628	17	3	expand	expand	VERB
fbem-18628	17	4	human	human	ADJ
fbem-18628	17	5	perception	perception	NOUN
fbem-18628	17	6	ability	ability	NOUN
fbem-18628	17	7	and	and	CCONJ
fbem-18628	17	8	give	give	VERB
fbem-18628	17	9	rise	rise	NOUN
fbem-18628	17	10	to	to	ADP
fbem-18628	17	11	a	a	DET
fbem-18628	17	12	powerful	powerful	ADJ
fbem-18628	17	13	emerging	emerge	VERB
fbem-18628	17	14	technology	technology	NOUN
fbem-18628	17	15	industry	industry	NOUN
fbem-18628	17	16	(	(	PUNCT
fbem-18628	17	17	lily	lily	ADV
fbem-18628	17	18	wang	wang	PROPN
fbem-18628	17	19	et	et	PROPN
fbem-18628	17	20	al	al	PROPN
fbem-18628	17	21	.	.	PROPN
fbem-18628	17	22	,	,	PUNCT
fbem-18628	17	23	2021	2021	NUM
fbem-18628	17	24	)	)	PUNCT
fbem-18628	17	25	.	.	PUNCT
fbem-18628	18	1	digital	digital	ADJ
fbem-18628	18	2	services	service	NOUN
fbem-18628	18	3	can	can	AUX
fbem-18628	18	4	promote	promote	VERB
fbem-18628	18	5	the	the	DET
fbem-18628	18	6	necessity	necessity	NOUN
fbem-18628	18	7	of	of	ADP
fbem-18628	18	8	smart	smart	ADJ
fbem-18628	18	9	aging	age	VERB
fbem-18628	18	10	services	service	NOUN
fbem-18628	18	11	.	.	PUNCT
fbem-18628	19	1	under	under	ADP
fbem-18628	19	2	the	the	DET
fbem-18628	19	3	current	current	ADJ
fbem-18628	19	4	aging	age	VERB
fbem-18628	19	5	society	society	NOUN
fbem-18628	19	6	,	,	PUNCT
fbem-18628	19	7	the	the	DET
fbem-18628	19	8	main	main	ADJ
fbem-18628	19	9	issue	issue	NOUN
fbem-18628	19	10	is	be	AUX
fbem-18628	19	11	how	how	SCONJ
fbem-18628	19	12	young	young	ADJ
fbem-18628	19	13	people	people	NOUN
fbem-18628	19	14	make	make	VERB
fbem-18628	19	15	pension	pension	NOUN
fbem-18628	19	16	reserves	reserve	NOUN
fbem-18628	19	17	.	.	PUNCT
fbem-18628	20	1	in	in	ADP
fbem-18628	20	2	order	order	NOUN
fbem-18628	20	3	to	to	PART
fbem-18628	20	4	meet	meet	VERB
fbem-18628	20	5	the	the	DET
fbem-18628	20	6	future	future	ADJ
fbem-18628	20	7	challenges	challenge	NOUN
fbem-18628	20	8	of	of	ADP
fbem-18628	20	9	aging	age	VERB
fbem-18628	20	10	,	,	PUNCT
fbem-18628	20	11	new	new	ADJ
fbem-18628	20	12	technologies	technology	NOUN
fbem-18628	20	13	should	should	AUX
fbem-18628	20	14	be	be	AUX
fbem-18628	20	15	applied	apply	VERB
fbem-18628	20	16	in	in	ADP
fbem-18628	20	17	the	the	DET
fbem-18628	20	18	field	field	NOUN
fbem-18628	20	19	of	of	ADP
fbem-18628	20	20	aging	age	VERB
fbem-18628	20	21	services	service	NOUN
fbem-18628	20	22	.	.	PUNCT
fbem-18628	21	1	considering	consider	VERB
fbem-18628	21	2	vdh	vdh	PROPN
fbem-18628	21	3	has	have	VERB
fbem-18628	21	4	an	an	DET
fbem-18628	21	5	important	important	ADJ
fbem-18628	21	6	role	role	NOUN
fbem-18628	21	7	in	in	ADP
fbem-18628	21	8	entertainment	entertainment	NOUN
fbem-18628	21	9	,	,	PUNCT
fbem-18628	21	10	healthcare	healthcare	NOUN
fbem-18628	21	11	and	and	CCONJ
fbem-18628	21	12	production	production	NOUN
fbem-18628	21	13	industries	industry	NOUN
fbem-18628	21	14	,	,	PUNCT
fbem-18628	21	15	this	this	DET
fbem-18628	21	16	study	study	NOUN
fbem-18628	21	17	aims	aim	VERB
fbem-18628	21	18	to	to	PART
fbem-18628	21	19	establish	establish	VERB
fbem-18628	21	20	a	a	DET
fbem-18628	21	21	set	set	NOUN
fbem-18628	21	22	of	of	ADP
fbem-18628	21	23	financial	financial	ADJ
fbem-18628	21	24	elderly	elderly	ADJ
fbem-18628	21	25	care	care	NOUN
fbem-18628	21	26	services	service	NOUN
fbem-18628	21	27	for	for	ADP
fbem-18628	21	28	contemporary	contemporary	ADJ
fbem-18628	21	29	young	young	ADJ
fbem-18628	21	30	people	people	NOUN
fbem-18628	21	31	in	in	ADP
fbem-18628	21	32	china	china	PROPN
fbem-18628	21	33	with	with	ADP
fbem-18628	21	34	vdh	vdh	NOUN
fbem-18628	21	35	.	.	PUNCT
fbem-18628	22	1	2	2	X
fbem-18628	22	2	.	.	X
fbem-18628	22	3	literature	literature	NOUN
fbem-18628	22	4	review	review	VERB
fbem-18628	22	5	2.1	2.1	NUM
fbem-18628	22	6	.	.	PUNCT
fbem-18628	23	1	financial	financial	ADJ
fbem-18628	23	2	elderly	elderly	ADJ
fbem-18628	23	3	care	care	NOUN
fbem-18628	23	4	service	service	NOUN
fbem-18628	23	5	financial	financial	ADJ
fbem-18628	23	6	elderly	elderly	ADJ
fbem-18628	23	7	care	care	NOUN
fbem-18628	23	8	was	be	AUX
fbem-18628	23	9	firstly	firstly	ADV
fbem-18628	23	10	described	describe	VERB
fbem-18628	23	11	as	as	ADP
fbem-18628	23	12	"	"	PUNCT
fbem-18628	23	13	pension	pension	NOUN
fbem-18628	23	14	finance	finance	NOUN
fbem-18628	23	15	"	"	PUNCT
fbem-18628	23	16	in	in	ADP
fbem-18628	23	17	pension	pension	NOUN
fbem-18628	23	18	finance	finance	NOUN
fbem-18628	23	19	(	(	PUNCT
fbem-18628	23	20	david	david	PROPN
fbem-18628	23	21	,	,	PUNCT
fbem-18628	23	22	2006	2006	NUM
fbem-18628	23	23	)	)	PUNCT
fbem-18628	23	24	,	,	PUNCT
fbem-18628	23	25	which	which	PRON
fbem-18628	23	26	emphasises	emphasise	VERB
fbem-18628	23	27	that	that	SCONJ
fbem-18628	23	28	financial	financial	ADJ
fbem-18628	23	29	pensions	pension	NOUN
fbem-18628	23	30	are	be	AUX
fbem-18628	23	31	pension	pension	NOUN
fbem-18628	23	32	asset	asset	NOUN
fbem-18628	23	33	management	management	NOUN
fbem-18628	23	34	,	,	PUNCT
fbem-18628	23	35	which	which	PRON
fbem-18628	23	36	can	can	AUX
fbem-18628	23	37	help	help	VERB
fbem-18628	23	38	people	people	NOUN
fbem-18628	23	39	to	to	PART
fbem-18628	23	40	obtain	obtain	VERB
fbem-18628	23	41	long	long	ADJ
fbem-18628	23	42	-	-	PUNCT
fbem-18628	23	43	term	term	NOUN
fbem-18628	23	44	wealth	wealth	NOUN
fbem-18628	23	45	accumulation	accumulation	NOUN
fbem-18628	23	46	and	and	CCONJ
fbem-18628	23	47	improve	improve	VERB
fbem-18628	23	48	the	the	DET
fbem-18628	23	49	quality	quality	NOUN
fbem-18628	23	50	of	of	ADP
fbem-18628	23	51	life[3	life[3	NOUN
fbem-18628	23	52	]	]	PUNCT
fbem-18628	23	53	.	.	PUNCT
fbem-18628	24	1	with	with	ADP
fbem-18628	24	2	the	the	DET
fbem-18628	24	3	arrival	arrival	NOUN
fbem-18628	24	4	of	of	ADP
fbem-18628	24	5	the	the	DET
fbem-18628	24	6	aging	age	VERB
fbem-18628	24	7	society	society	NOUN
fbem-18628	24	8	,	,	PUNCT
fbem-18628	24	9	financial	financial	ADJ
fbem-18628	24	10	pension	pension	NOUN
fbem-18628	24	11	service	service	NOUN
fbem-18628	24	12	is	be	AUX
fbem-18628	24	13	an	an	DET
fbem-18628	24	14	important	important	ADJ
fbem-18628	24	15	issue	issue	NOUN
fbem-18628	24	16	.	.	PUNCT
fbem-18628	25	1	under	under	ADP
fbem-18628	25	2	this	this	DET
fbem-18628	25	3	situation	situation	NOUN
fbem-18628	25	4	,	,	PUNCT
fbem-18628	25	5	the	the	DET
fbem-18628	25	6	lack	lack	NOUN
fbem-18628	25	7	of	of	ADP
fbem-18628	25	8	future	future	ADJ
fbem-18628	25	9	pensions	pension	NOUN
fbem-18628	25	10	for	for	ADP
fbem-18628	25	11	young	young	ADJ
fbem-18628	25	12	people	people	NOUN
fbem-18628	25	13	has	have	AUX
fbem-18628	25	14	gradually	gradually	ADV
fbem-18628	25	15	emerged	emerge	VERB
fbem-18628	25	16	.	.	PUNCT
fbem-18628	26	1	the	the	DET
fbem-18628	26	2	solution	solution	NOUN
fbem-18628	26	3	to	to	ADP
fbem-18628	26	4	the	the	DET
fbem-18628	26	5	pension	pension	NOUN
fbem-18628	26	6	problem	problem	NOUN
fbem-18628	26	7	depends	depend	VERB
fbem-18628	26	8	largely	largely	ADV
fbem-18628	26	9	on	on	ADP
fbem-18628	26	10	the	the	DET
fbem-18628	26	11	development	development	NOUN
fbem-18628	26	12	of	of	ADP
fbem-18628	26	13	finance	finance	NOUN
fbem-18628	26	14	,	,	PUNCT
fbem-18628	26	15	which	which	PRON
fbem-18628	26	16	gains	gain	VERB
fbem-18628	26	17	more	more	ADJ
fbem-18628	26	18	attention	attention	NOUN
fbem-18628	26	19	in	in	ADP
fbem-18628	26	20	recent	recent	ADJ
fbem-18628	26	21	years	year	NOUN
fbem-18628	26	22	(	(	PUNCT
fbem-18628	26	23	deng	deng	PROPN
fbem-18628	26	24	&	&	CCONJ
fbem-18628	26	25	li	li	PROPN
fbem-18628	26	26	,	,	PUNCT
fbem-18628	26	27	2021	2021	NUM
fbem-18628	26	28	)	)	PUNCT
fbem-18628	26	29	.	.	PUNCT
fbem-18628	27	1	china	china	PROPN
fbem-18628	27	2	's	's	PART
fbem-18628	27	3	aging	age	VERB
fbem-18628	27	4	population	population	NOUN
fbem-18628	27	5	(	(	PUNCT
fbem-18628	27	6	huang	huang	PROPN
fbem-18628	27	7	&	&	CCONJ
fbem-18628	27	8	zhang	zhang	PROPN
fbem-18628	27	9	,	,	PUNCT
fbem-18628	27	10	2021	2021	NUM
fbem-18628	27	11	)	)	PUNCT
fbem-18628	27	12	may	may	AUX
fbem-18628	27	13	lead	lead	VERB
fbem-18628	27	14	to	to	ADP
fbem-18628	27	15	insufficient	insufficient	ADJ
fbem-18628	27	16	labour	labour	NOUN
fbem-18628	27	17	to	to	PART
fbem-18628	27	18	provide	provide	VERB
fbem-18628	27	19	pension	pension	NOUN
fbem-18628	27	20	services	service	NOUN
fbem-18628	27	21	when	when	SCONJ
fbem-18628	27	22	current	current	ADJ
fbem-18628	27	23	young	young	ADJ
fbem-18628	27	24	people	people	NOUN
fbem-18628	27	25	grow	grow	VERB
fbem-18628	27	26	old	old	ADJ
fbem-18628	27	27	.	.	PUNCT
fbem-18628	28	1	in	in	ADP
fbem-18628	28	2	recent	recent	ADJ
fbem-18628	28	3	years	year	NOUN
fbem-18628	28	4	,	,	PUNCT
fbem-18628	28	5	the	the	DET
fbem-18628	28	6	issue	issue	NOUN
fbem-18628	28	7	of	of	ADP
fbem-18628	28	8	old	old	ADJ
fbem-18628	28	9	age	age	NOUN
fbem-18628	28	10	in	in	ADP
fbem-18628	28	11	china	china	PROPN
fbem-18628	28	12	has	have	AUX
fbem-18628	28	13	received	receive	VERB
fbem-18628	28	14	more	more	ADJ
fbem-18628	28	15	and	and	CCONJ
fbem-18628	28	16	more	more	ADJ
fbem-18628	28	17	attention	attention	NOUN
fbem-18628	28	18	from	from	ADP
fbem-18628	28	19	the	the	DET
fbem-18628	28	20	society	society	NOUN
fbem-18628	28	21	,	,	PUNCT
fbem-18628	28	22	and	and	CCONJ
fbem-18628	28	23	the	the	DET
fbem-18628	28	24	problem	problem	NOUN
fbem-18628	28	25	of	of	ADP
fbem-18628	28	26	population	population	NOUN
fbem-18628	28	27	aging	aging	NOUN
fbem-18628	28	28	has	have	AUX
fbem-18628	28	29	become	become	VERB
fbem-18628	28	30	more	more	ADV
fbem-18628	28	31	and	and	CCONJ
fbem-18628	28	32	more	more	ADV
fbem-18628	28	33	serious	serious	ADJ
fbem-18628	28	34	.	.	PUNCT
fbem-18628	29	1	in	in	ADP
fbem-18628	29	2	order	order	NOUN
fbem-18628	29	3	to	to	PART
fbem-18628	29	4	achieve	achieve	VERB
fbem-18628	29	5	the	the	DET
fbem-18628	29	6	country	country	NOUN
fbem-18628	29	7	's	's	PART
fbem-18628	29	8	future	future	ADJ
fbem-18628	29	9	long	long	ADJ
fbem-18628	29	10	-	-	PUNCT
fbem-18628	29	11	term	term	NOUN
fbem-18628	29	12	economic	economic	ADJ
fbem-18628	29	13	and	and	CCONJ
fbem-18628	29	14	social	social	ADJ
fbem-18628	29	15	development	development	NOUN
fbem-18628	29	16	,	,	PUNCT
fbem-18628	29	17	it	it	PRON
fbem-18628	29	18	is	be	AUX
fbem-18628	29	19	necessary	necessary	ADJ
fbem-18628	29	20	to	to	PART
fbem-18628	29	21	conduct	conduct	VERB
fbem-18628	29	22	an	an	DET
fbem-18628	29	23	in	in	ADP
fbem-18628	29	24	-	-	PUNCT
fbem-18628	29	25	depth	depth	NOUN
fbem-18628	29	26	analysis	analysis	NOUN
fbem-18628	29	27	of	of	ADP
fbem-18628	29	28	the	the	DET
fbem-18628	29	29	current	current	ADJ
fbem-18628	29	30	trend	trend	NOUN
fbem-18628	29	31	of	of	ADP
fbem-18628	29	32	population	population	NOUN
fbem-18628	29	33	aging	age	VERB
fbem-18628	29	34	in	in	ADP
fbem-18628	29	35	china	china	PROPN
fbem-18628	29	36	and	and	CCONJ
fbem-18628	29	37	the	the	DET
fbem-18628	29	38	possible	possible	ADJ
fbem-18628	29	39	impacts	impact	NOUN
fbem-18628	29	40	and	and	CCONJ
fbem-18628	29	41	timely	timely	ADJ
fbem-18628	29	42	adjustment	adjustment	NOUN
fbem-18628	29	43	of	of	ADP
fbem-18628	29	44	the	the	DET
fbem-18628	29	45	corresponding	corresponding	ADJ
fbem-18628	29	46	policies	policy	NOUN
fbem-18628	29	47	and	and	CCONJ
fbem-18628	29	48	measures	measure	NOUN
fbem-18628	29	49	,	,	PUNCT
fbem-18628	29	50	and	and	CCONJ
fbem-18628	29	51	the	the	DET
fbem-18628	29	52	use	use	NOUN
fbem-18628	29	53	of	of	ADP
fbem-18628	29	54	modern	modern	ADJ
fbem-18628	29	55	technology	technology	NOUN
fbem-18628	29	56	combined	combine	VERB
fbem-18628	29	57	with	with	ADP
fbem-18628	29	58	financial	financial	ADJ
fbem-18628	29	59	pension	pension	NOUN
fbem-18628	29	60	services	service	NOUN
fbem-18628	29	61	has	have	AUX
fbem-18628	29	62	become	become	VERB
fbem-18628	29	63	a	a	DET
fbem-18628	29	64	trend	trend	NOUN
fbem-18628	29	65	to	to	PART
fbem-18628	29	66	cope	cope	VERB
fbem-18628	29	67	with	with	ADP
fbem-18628	29	68	the	the	DET
fbem-18628	29	69	aging	age	VERB
fbem-18628	29	70	problem[4	problem[4	PROPN
fbem-18628	29	71	]	]	PUNCT
fbem-18628	29	72	.	.	PUNCT
fbem-18628	30	1	2.2	2.2	NUM
fbem-18628	30	2	.	.	PUNCT
fbem-18628	30	3	virtual	virtual	ADJ
fbem-18628	30	4	digital	digital	ADJ
fbem-18628	30	5	human	human	PROPN
fbem-18628	30	6	technology	technology	NOUN
fbem-18628	30	7	virtual	virtual	ADJ
fbem-18628	30	8	digital	digital	ADJ
fbem-18628	30	9	human	human	ADJ
fbem-18628	30	10	(	(	PUNCT
fbem-18628	30	11	vdh	vdh	PROPN
fbem-18628	30	12	)	)	PUNCT
fbem-18628	30	13	means	mean	VERB
fbem-18628	30	14	a	a	DET
fbem-18628	30	15	composite	composite	ADJ
fbem-18628	30	16	body	body	NOUN
fbem-18628	30	17	with	with	ADP
fbem-18628	30	18	human	human	ADJ
fbem-18628	30	19	characteristics	characteristic	NOUN
fbem-18628	30	20	such	such	ADJ
fbem-18628	30	21	as	as	ADP
fbem-18628	30	22	appearance	appearance	NOUN
fbem-18628	30	23	,	,	PUNCT
fbem-18628	30	24	performance	performance	NOUN
fbem-18628	30	25	ability	ability	NOUN
fbem-18628	30	26	,	,	PUNCT
fbem-18628	30	27	interaction	interaction	NOUN
fbem-18628	30	28	ability	ability	NOUN
fbem-18628	30	29	and	and	CCONJ
fbem-18628	30	30	so	so	ADV
fbem-18628	30	31	on	on	ADV
fbem-18628	30	32	,	,	PUNCT
fbem-18628	30	33	which	which	PRON
fbem-18628	30	34	is	be	AUX
fbem-18628	30	35	created	create	VERB
fbem-18628	30	36	in	in	ADP
fbem-18628	30	37	the	the	DET
fbem-18628	30	38	virtual	virtual	ADJ
fbem-18628	30	39	world	world	NOUN
fbem-18628	30	40	based	base	VERB
fbem-18628	30	41	on	on	ADP
fbem-18628	30	42	computer	computer	NOUN
fbem-18628	30	43	graphics	graphic	NOUN
fbem-18628	30	44	,	,	PUNCT
fbem-18628	30	45	graphic	graphic	ADJ
fbem-18628	30	46	rendering	rendering	NOUN
fbem-18628	30	47	,	,	PUNCT
fbem-18628	30	48	motion	motion	NOUN
fbem-18628	30	49	capture	capture	NOUN
fbem-18628	30	50	,	,	PUNCT
fbem-18628	30	51	deep	deep	ADJ
fbem-18628	30	52	learning	learning	NOUN
fbem-18628	30	53	,	,	PUNCT
fbem-18628	30	54	speech	speech	NOUN
fbem-18628	30	55	synthesis	synthesis	NOUN
fbem-18628	30	56	and	and	CCONJ
fbem-18628	30	57	other	other	ADJ
fbem-18628	30	58	technologies	technology	NOUN
fbem-18628	30	59	(	(	PUNCT
fbem-18628	30	60	guo	guo	PROPN
fbem-18628	30	61	,	,	PUNCT
fbem-18628	30	62	2022	2022	NUM
fbem-18628	30	63	)	)	PUNCT
fbem-18628	30	64	.	.	PUNCT
fbem-18628	31	1	vdh	vdh	PROPN
fbem-18628	31	2	is	be	AUX
fbem-18628	31	3	a	a	DET
fbem-18628	31	4	good	good	ADJ
fbem-18628	31	5	resource	resource	NOUN
fbem-18628	31	6	20	20	NUM
fbem-18628	31	7	supplement	supplement	NOUN
fbem-18628	31	8	for	for	ADP
fbem-18628	31	9	financial	financial	ADJ
fbem-18628	31	10	planning	planning	NOUN
fbem-18628	31	11	apps	app	NOUN
fbem-18628	31	12	as	as	SCONJ
fbem-18628	31	13	the	the	DET
fbem-18628	31	14	current	current	ADJ
fbem-18628	31	15	limited	limited	ADJ
fbem-18628	31	16	human	human	ADJ
fbem-18628	31	17	resources	resource	NOUN
fbem-18628	31	18	are	be	AUX
fbem-18628	31	19	unable	unable	ADJ
fbem-18628	31	20	to	to	PART
fbem-18628	31	21	meet	meet	VERB
fbem-18628	31	22	the	the	DET
fbem-18628	31	23	daily	daily	ADJ
fbem-18628	31	24	counselling	counselling	NOUN
fbem-18628	31	25	needs	need	NOUN
fbem-18628	31	26	of	of	ADP
fbem-18628	31	27	users	user	NOUN
fbem-18628	31	28	.	.	PUNCT
fbem-18628	32	1	it	it	PRON
fbem-18628	32	2	is	be	AUX
fbem-18628	32	3	commonly	commonly	ADV
fbem-18628	32	4	used	use	VERB
fbem-18628	32	5	in	in	ADP
fbem-18628	32	6	entertainment	entertainment	NOUN
fbem-18628	32	7	,	,	PUNCT
fbem-18628	32	8	education	education	NOUN
fbem-18628	32	9	and	and	CCONJ
fbem-18628	32	10	film	film	NOUN
fbem-18628	32	11	production	production	NOUN
fbem-18628	32	12	(	(	PUNCT
fbem-18628	32	13	yan	yan	PROPN
fbem-18628	32	14	,	,	PUNCT
fbem-18628	32	15	2023	2023	NUM
fbem-18628	32	16	)	)	PUNCT
fbem-18628	32	17	.	.	PUNCT
fbem-18628	33	1	as	as	ADP
fbem-18628	33	2	an	an	DET
fbem-18628	33	3	extension	extension	NOUN
fbem-18628	33	4	and	and	CCONJ
fbem-18628	33	5	mapping	mapping	NOUN
fbem-18628	33	6	of	of	ADP
fbem-18628	33	7	the	the	DET
fbem-18628	33	8	real	real	ADJ
fbem-18628	33	9	world	world	NOUN
fbem-18628	33	10	,	,	PUNCT
fbem-18628	33	11	vdh	vdh	PROPN
fbem-18628	33	12	also	also	ADV
fbem-18628	33	13	means	mean	VERB
fbem-18628	33	14	the	the	DET
fbem-18628	33	15	birth	birth	NOUN
fbem-18628	33	16	of	of	ADP
fbem-18628	33	17	a	a	DET
fbem-18628	33	18	new	new	ADJ
fbem-18628	33	19	life	life	NOUN
fbem-18628	33	20	form	form	NOUN
fbem-18628	33	21	(	(	PUNCT
fbem-18628	33	22	huang	huang	PROPN
fbem-18628	33	23	,	,	PUNCT
fbem-18628	33	24	xia	xia	PROPN
fbem-18628	33	25	&	&	CCONJ
fbem-18628	33	26	tie	tie	PROPN
fbem-18628	33	27	,	,	PUNCT
fbem-18628	33	28	2023)[5	2023)[5	NUM
fbem-18628	33	29	]	]	PUNCT
fbem-18628	33	30	.	.	PUNCT
fbem-18628	34	1	many	many	ADJ
fbem-18628	34	2	scholars	scholar	NOUN
fbem-18628	34	3	have	have	AUX
fbem-18628	34	4	investigated	investigate	VERB
fbem-18628	34	5	the	the	DET
fbem-18628	34	6	technical	technical	ADJ
fbem-18628	34	7	aspects	aspect	NOUN
fbem-18628	34	8	of	of	ADP
fbem-18628	34	9	vdh	vdh	NOUN
fbem-18628	34	10	,	,	PUNCT
fbem-18628	34	11	but	but	CCONJ
fbem-18628	34	12	andreas	andreas	PROPN
fbem-18628	34	13	geiger	geiger	PROPN
fbem-18628	34	14	's	's	PART
fbem-18628	34	15	team	team	NOUN
fbem-18628	34	16	studied	study	VERB
fbem-18628	34	17	them	they	PRON
fbem-18628	34	18	from	from	ADP
fbem-18628	34	19	a	a	DET
fbem-18628	34	20	realistic	realistic	ADJ
fbem-18628	34	21	interaction	interaction	NOUN
fbem-18628	34	22	perspective	perspective	NOUN
fbem-18628	34	23	,	,	PUNCT
fbem-18628	34	24	with	with	ADP
fbem-18628	34	25	their	their	PRON
fbem-18628	34	26	app	app	NOUN
fbem-18628	34	27	allowing	allow	VERB
fbem-18628	34	28	users	user	NOUN
fbem-18628	34	29	to	to	PART
fbem-18628	34	30	manoeuvre	manoeuvre	VERB
fbem-18628	34	31	virtual	virtual	ADJ
fbem-18628	34	32	scenes	scene	NOUN
fbem-18628	34	33	in	in	ADP
fbem-18628	34	34	vr	vr	NOUN
fbem-18628	34	35	and	and	CCONJ
fbem-18628	34	36	perform	perform	VERB
fbem-18628	34	37	assembly	assembly	NOUN
fbem-18628	34	38	tasks	task	NOUN
fbem-18628	34	39	with	with	ADP
fbem-18628	34	40	real	real	ADJ
fbem-18628	34	41	hands	hand	NOUN
fbem-18628	34	42	to	to	PART
fbem-18628	34	43	increase	increase	VERB
fbem-18628	34	44	immersive	immersive	ADJ
fbem-18628	34	45	interaction	interaction	NOUN
fbem-18628	34	46	(	(	PUNCT
fbem-18628	34	47	andreas	andreas	PROPN
fbem-18628	34	48	et	et	PROPN
fbem-18628	34	49	al	al	PROPN
fbem-18628	34	50	.	.	PROPN
fbem-18628	34	51	,	,	PUNCT
fbem-18628	34	52	2020	2020	NUM
fbem-18628	34	53	)	)	PUNCT
fbem-18628	34	54	.	.	PUNCT
fbem-18628	35	1	research	research	NOUN
fbem-18628	35	2	by	by	ADP
fbem-18628	35	3	academic	academic	ADJ
fbem-18628	35	4	li	li	PROPN
fbem-18628	35	5	jian	jian	PROPN
fbem-18628	35	6	found	find	VERB
fbem-18628	35	7	that	that	SCONJ
fbem-18628	35	8	consumers	consumer	NOUN
fbem-18628	35	9	develop	develop	VERB
fbem-18628	35	10	positive	positive	ADJ
fbem-18628	35	11	attitudes	attitude	NOUN
fbem-18628	35	12	towards	towards	ADP
fbem-18628	35	13	vdh	vdh	NOUN
fbem-18628	35	14	products	product	NOUN
fbem-18628	35	15	when	when	SCONJ
fbem-18628	35	16	there	there	PRON
fbem-18628	35	17	is	be	VERB
fbem-18628	35	18	a	a	DET
fbem-18628	35	19	fit	fit	NOUN
fbem-18628	35	20	between	between	ADP
fbem-18628	35	21	vdh	vdh	NOUN
fbem-18628	35	22	and	and	CCONJ
fbem-18628	35	23	the	the	DET
fbem-18628	35	24	real	real	ADJ
fbem-18628	35	25	product	product	NOUN
fbem-18628	35	26	(	(	PUNCT
fbem-18628	35	27	li	li	PROPN
fbem-18628	35	28	jian	jian	PROPN
fbem-18628	35	29	et	et	PROPN
fbem-18628	35	30	al	al	PROPN
fbem-18628	35	31	.	.	PROPN
fbem-18628	35	32	,	,	PUNCT
fbem-18628	35	33	2023	2023	NUM
fbem-18628	35	34	)	)	PUNCT
fbem-18628	35	35	.	.	PUNCT
fbem-18628	36	1	felix	felix	PROPN
fbem-18628	36	2	gaisbauer	gaisbauer	PROPN
fbem-18628	36	3	's	's	PART
fbem-18628	36	4	research	research	NOUN
fbem-18628	36	5	has	have	AUX
fbem-18628	36	6	shown	show	VERB
fbem-18628	36	7	the	the	DET
fbem-18628	36	8	importance	importance	NOUN
fbem-18628	36	9	of	of	ADP
fbem-18628	36	10	digital	digital	ADJ
fbem-18628	36	11	human	human	ADJ
fbem-18628	36	12	simulation	simulation	NOUN
fbem-18628	36	13	in	in	ADP
fbem-18628	36	14	a	a	DET
fbem-18628	36	15	number	number	NOUN
fbem-18628	36	16	of	of	ADP
fbem-18628	36	17	areas	area	NOUN
fbem-18628	36	18	including	include	VERB
fbem-18628	36	19	entertainment	entertainment	NOUN
fbem-18628	36	20	,	,	PUNCT
fbem-18628	36	21	healthcare	healthcare	NOUN
fbem-18628	36	22	and	and	CCONJ
fbem-18628	36	23	the	the	DET
fbem-18628	36	24	production	production	NOUN
fbem-18628	36	25	industry	industry	NOUN
fbem-18628	36	26	(	(	PUNCT
fbem-18628	36	27	felix	felix	PROPN
fbem-18628	36	28	gaisbauer	gaisbauer	PROPN
fbem-18628	36	29	et	et	PROPN
fbem-18628	36	30	al	al	PROPN
fbem-18628	36	31	,	,	PUNCT
fbem-18628	36	32	2020)[6	2020)[6	PROPN
fbem-18628	36	33	]	]	PUNCT
fbem-18628	36	34	.	.	PUNCT
fbem-18628	37	1	communication	communication	NOUN
fbem-18628	37	2	university	university	PROPN
fbem-18628	37	3	of	of	ADP
fbem-18628	37	4	china	china	PROPN
fbem-18628	37	5	released	release	VERB
fbem-18628	37	6	the	the	DET
fbem-18628	37	7	"	"	PUNCT
fbem-18628	37	8	china	china	PROPN
fbem-18628	37	9	virtual	virtual	PROPN
fbem-18628	37	10	digital	digital	PROPN
fbem-18628	37	11	human	human	PROPN
fbem-18628	37	12	impact	impact	NOUN
fbem-18628	37	13	index	index	NOUN
fbem-18628	37	14	report	report	NOUN
fbem-18628	37	15	2021	2021	NUM
fbem-18628	37	16	"	"	PUNCT
fbem-18628	37	17	,	,	PUNCT
fbem-18628	37	18	which	which	PRON
fbem-18628	37	19	states	state	VERB
fbem-18628	37	20	that	that	SCONJ
fbem-18628	37	21	vdh	vdh	NOUN
fbem-18628	37	22	will	will	AUX
fbem-18628	37	23	be	be	AUX
fbem-18628	37	24	used	use	VERB
fbem-18628	37	25	more	more	ADV
fbem-18628	37	26	in	in	ADP
fbem-18628	37	27	the	the	DET
fbem-18628	37	28	meta	meta	ADJ
fbem-18628	37	29	-	-	PUNCT
fbem-18628	37	30	universe	universe	NOUN
fbem-18628	37	31	as	as	ADP
fbem-18628	37	32	a	a	DET
fbem-18628	37	33	new	new	ADJ
fbem-18628	37	34	social	social	ADJ
fbem-18628	37	35	role	role	NOUN
fbem-18628	37	36	.	.	PUNCT
fbem-18628	38	1	vdh	vdh	PROPN
fbem-18628	38	2	will	will	AUX
fbem-18628	38	3	enter	enter	VERB
fbem-18628	38	4	a	a	DET
fbem-18628	38	5	completely	completely	ADV
fbem-18628	38	6	new	new	ADJ
fbem-18628	38	7	field	field	NOUN
fbem-18628	38	8	and	and	CCONJ
fbem-18628	38	9	become	become	VERB
fbem-18628	38	10	a	a	DET
fbem-18628	38	11	digital	digital	ADJ
fbem-18628	38	12	person	person	NOUN
fbem-18628	38	13	with	with	ADP
fbem-18628	38	14	identity	identity	NOUN
fbem-18628	38	15	characteristics	characteristic	NOUN
fbem-18628	38	16	with	with	ADP
fbem-18628	38	17	multiple	multiple	ADJ
fbem-18628	38	18	attributes	attribute	NOUN
fbem-18628	38	19	,	,	PUNCT
fbem-18628	38	20	companion	companion	NOUN
fbem-18628	38	21	attributes	attribute	VERB
fbem-18628	38	22	,	,	PUNCT
fbem-18628	38	23	and	and	CCONJ
fbem-18628	38	24	other	other	ADJ
fbem-18628	38	25	aspects	aspect	NOUN
fbem-18628	38	26	that	that	PRON
fbem-18628	38	27	create	create	VERB
fbem-18628	38	28	a	a	DET
fbem-18628	38	29	deeper	deep	ADJ
fbem-18628	38	30	connection	connection	NOUN
fbem-18628	38	31	with	with	ADP
fbem-18628	38	32	human	human	ADJ
fbem-18628	38	33	beings	being	NOUN
fbem-18628	38	34	.	.	PUNCT
fbem-18628	39	1	the	the	DET
fbem-18628	39	2	content	content	NOUN
fbem-18628	39	3	of	of	ADP
fbem-18628	39	4	the	the	DET
fbem-18628	39	5	above	above	ADJ
fbem-18628	39	6	report	report	NOUN
fbem-18628	39	7	is	be	AUX
fbem-18628	39	8	relatively	relatively	ADV
fbem-18628	39	9	macro	macro	ADJ
fbem-18628	39	10	,	,	PUNCT
fbem-18628	39	11	basically	basically	ADV
fbem-18628	39	12	does	do	AUX
fbem-18628	39	13	not	not	PART
fbem-18628	39	14	involve	involve	VERB
fbem-18628	39	15	the	the	DET
fbem-18628	39	16	participation	participation	NOUN
fbem-18628	39	17	of	of	ADP
fbem-18628	39	18	vdh	vdh	NOUN
fbem-18628	39	19	in	in	ADP
fbem-18628	39	20	the	the	DET
fbem-18628	39	21	level	level	NOUN
fbem-18628	39	22	of	of	ADP
fbem-18628	39	23	financial	financial	ADJ
fbem-18628	39	24	pension	pension	NOUN
fbem-18628	39	25	services	service	NOUN
fbem-18628	39	26	,	,	PUNCT
fbem-18628	39	27	this	this	DET
fbem-18628	39	28	study	study	NOUN
fbem-18628	39	29	has	have	AUX
fbem-18628	39	30	selected	select	VERB
fbem-18628	39	31	the	the	DET
fbem-18628	39	32	field	field	NOUN
fbem-18628	39	33	of	of	ADP
fbem-18628	39	34	financial	financial	ADJ
fbem-18628	39	35	pension	pension	NOUN
fbem-18628	39	36	services	service	NOUN
fbem-18628	39	37	as	as	ADP
fbem-18628	39	38	the	the	DET
fbem-18628	39	39	research	research	NOUN
fbem-18628	39	40	direction	direction	NOUN
fbem-18628	39	41	,	,	PUNCT
fbem-18628	39	42	which	which	PRON
fbem-18628	39	43	is	be	AUX
fbem-18628	39	44	one	one	NUM
fbem-18628	39	45	of	of	ADP
fbem-18628	39	46	the	the	DET
fbem-18628	39	47	blue	blue	ADJ
fbem-18628	39	48	oceans	ocean	NOUN
fbem-18628	39	49	for	for	ADP
fbem-18628	39	50	the	the	DET
fbem-18628	39	51	application	application	NOUN
fbem-18628	39	52	of	of	ADP
fbem-18628	39	53	vdh	vdh	NOUN
fbem-18628	39	54	.	.	PUNCT
fbem-18628	40	1	therefore	therefore	ADV
fbem-18628	40	2	,	,	PUNCT
fbem-18628	40	3	how	how	SCONJ
fbem-18628	40	4	vdh	vdh	NOUN
fbem-18628	40	5	can	can	AUX
fbem-18628	40	6	provide	provide	VERB
fbem-18628	40	7	users	user	NOUN
fbem-18628	40	8	with	with	ADP
fbem-18628	40	9	more	more	ADJ
fbem-18628	40	10	personalised	personalised	ADJ
fbem-18628	40	11	services	service	NOUN
fbem-18628	40	12	is	be	AUX
fbem-18628	40	13	also	also	ADV
fbem-18628	40	14	an	an	DET
fbem-18628	40	15	important	important	ADJ
fbem-18628	40	16	research	research	NOUN
fbem-18628	40	17	direction	direction	NOUN
fbem-18628	40	18	of	of	ADP
fbem-18628	40	19	this	this	DET
fbem-18628	40	20	study	study	NOUN
fbem-18628	40	21	.	.	PUNCT
fbem-18628	41	1	2.3	2.3	NUM
fbem-18628	41	2	.	.	PUNCT
fbem-18628	42	1	the	the	DET
fbem-18628	42	2	current	current	ADJ
fbem-18628	42	3	situation	situation	NOUN
fbem-18628	42	4	and	and	CCONJ
fbem-18628	42	5	problems	problem	NOUN
fbem-18628	42	6	of	of	ADP
fbem-18628	42	7	young	young	ADJ
fbem-18628	42	8	people	people	NOUN
fbem-18628	42	9	's	's	PART
fbem-18628	42	10	preparation	preparation	NOUN
fbem-18628	42	11	for	for	ADP
fbem-18628	42	12	old	old	ADJ
fbem-18628	42	13	age	age	NOUN
fbem-18628	42	14	contemporary	contemporary	PROPN
fbem-18628	42	15	chinese	chinese	ADJ
fbem-18628	42	16	young	young	ADJ
fbem-18628	42	17	people	people	NOUN
fbem-18628	42	18	are	be	AUX
fbem-18628	42	19	willing	willing	ADJ
fbem-18628	42	20	to	to	PART
fbem-18628	42	21	prepare	prepare	VERB
fbem-18628	42	22	for	for	ADP
fbem-18628	42	23	future	future	ADJ
fbem-18628	42	24	elderly	elderly	ADJ
fbem-18628	42	25	care	care	NOUN
fbem-18628	42	26	in	in	ADP
fbem-18628	42	27	advance	advance	NOUN
fbem-18628	42	28	.	.	PUNCT
fbem-18628	43	1	they	they	PRON
fbem-18628	43	2	need	need	VERB
fbem-18628	43	3	stable	stable	ADJ
fbem-18628	43	4	and	and	CCONJ
fbem-18628	43	5	reliable	reliable	ADJ
fbem-18628	43	6	financial	financial	ADJ
fbem-18628	43	7	services	service	NOUN
fbem-18628	43	8	for	for	ADP
fbem-18628	43	9	elderly	elderly	ADJ
fbem-18628	43	10	care[7	care[7	NOUN
fbem-18628	43	11	]	]	PUNCT
fbem-18628	43	12	.	.	PUNCT
fbem-18628	44	1	the	the	DET
fbem-18628	44	2	young	young	ADJ
fbem-18628	44	3	people	people	NOUN
fbem-18628	44	4	are	be	AUX
fbem-18628	44	5	the	the	DET
fbem-18628	44	6	most	most	ADV
fbem-18628	44	7	promising	promising	ADJ
fbem-18628	44	8	people	people	NOUN
fbem-18628	44	9	in	in	ADP
fbem-18628	44	10	the	the	DET
fbem-18628	44	11	future	future	NOUN
fbem-18628	44	12	,	,	PUNCT
fbem-18628	44	13	with	with	ADP
fbem-18628	44	14	a	a	DET
fbem-18628	44	15	more	more	ADV
fbem-18628	44	16	personalised	personalised	ADJ
fbem-18628	44	17	choice	choice	NOUN
fbem-18628	44	18	of	of	ADP
fbem-18628	44	19	retirement	retirement	NOUN
fbem-18628	44	20	mode	mode	PROPN
fbem-18628	44	21	(	(	PUNCT
fbem-18628	44	22	qiao	qiao	PROPN
fbem-18628	44	23	,	,	PUNCT
fbem-18628	44	24	zhu	zhu	PROPN
fbem-18628	44	25	,	,	PUNCT
fbem-18628	44	26	gao	gao	PROPN
fbem-18628	44	27	,	,	PUNCT
fbem-18628	44	28	tang	tang	PROPN
fbem-18628	44	29	&	&	CCONJ
fbem-18628	44	30	zou	zou	PROPN
fbem-18628	44	31	,	,	PUNCT
fbem-18628	44	32	2023	2023	NUM
fbem-18628	44	33	)	)	PUNCT
fbem-18628	44	34	.	.	PUNCT
fbem-18628	45	1	on	on	ADP
fbem-18628	45	2	the	the	DET
fbem-18628	45	3	trend	trend	NOUN
fbem-18628	45	4	of	of	ADP
fbem-18628	45	5	population	population	NOUN
fbem-18628	45	6	aging	aging	NOUN
fbem-18628	45	7	,	,	PUNCT
fbem-18628	45	8	diverse	diverse	ADJ
fbem-18628	45	9	needs	need	NOUN
fbem-18628	45	10	for	for	ADP
fbem-18628	45	11	elderly	elderly	ADJ
fbem-18628	45	12	care	care	NOUN
fbem-18628	45	13	are	be	AUX
fbem-18628	45	14	necessary	necessary	ADJ
fbem-18628	45	15	.	.	PUNCT
fbem-18628	46	1	the	the	DET
fbem-18628	46	2	elderly	elderly	ADJ
fbem-18628	46	3	care	care	NOUN
fbem-18628	46	4	service	service	NOUN
fbem-18628	46	5	industry	industry	NOUN
fbem-18628	46	6	is	be	AUX
fbem-18628	46	7	in	in	ADP
fbem-18628	46	8	the	the	DET
fbem-18628	46	9	stage	stage	NOUN
fbem-18628	46	10	of	of	ADP
fbem-18628	46	11	transformation	transformation	NOUN
fbem-18628	46	12	and	and	CCONJ
fbem-18628	46	13	upgrading	upgrading	NOUN
fbem-18628	46	14	,	,	PUNCT
fbem-18628	46	15	which	which	PRON
fbem-18628	46	16	puts	put	VERB
fbem-18628	46	17	forward	forward	ADV
fbem-18628	46	18	higher	high	ADJ
fbem-18628	46	19	requirements	requirement	NOUN
fbem-18628	46	20	and	and	CCONJ
fbem-18628	46	21	challenges	challenge	NOUN
fbem-18628	46	22	for	for	ADP
fbem-18628	46	23	the	the	DET
fbem-18628	46	24	elderly	elderly	ADJ
fbem-18628	46	25	care	care	NOUN
fbem-18628	46	26	service	service	NOUN
fbem-18628	46	27	design	design	NOUN
fbem-18628	46	28	.	.	PUNCT
fbem-18628	47	1	in	in	ADP
fbem-18628	47	2	addition	addition	NOUN
fbem-18628	47	3	,	,	PUNCT
fbem-18628	47	4	some	some	DET
fbem-18628	47	5	youth	youth	NOUN
fbem-18628	47	6	people	people	NOUN
fbem-18628	47	7	currently	currently	ADV
fbem-18628	47	8	have	have	VERB
fbem-18628	47	9	advanced	advanced	ADJ
fbem-18628	47	10	awareness	awareness	NOUN
fbem-18628	47	11	of	of	ADP
fbem-18628	47	12	elderly	elderly	ADJ
fbem-18628	47	13	care	care	NOUN
fbem-18628	47	14	and	and	CCONJ
fbem-18628	47	15	relevant	relevant	ADJ
fbem-18628	47	16	investment(hou	investment(hou	PROPN
fbem-18628	47	17	&	&	CCONJ
fbem-18628	47	18	wu	wu	PROPN
fbem-18628	47	19	,	,	PUNCT
fbem-18628	47	20	2022	2022	NUM
fbem-18628	47	21	)	)	PUNCT
fbem-18628	47	22	.	.	PUNCT
fbem-18628	48	1	artificial	artificial	ADJ
fbem-18628	48	2	intelligence	intelligence	NOUN
fbem-18628	48	3	and	and	CCONJ
fbem-18628	48	4	other	other	ADJ
fbem-18628	48	5	technologies	technology	NOUN
fbem-18628	48	6	can	can	AUX
fbem-18628	48	7	provide	provide	VERB
fbem-18628	48	8	young	young	ADJ
fbem-18628	48	9	people	people	NOUN
fbem-18628	48	10	with	with	ADP
fbem-18628	48	11	the	the	DET
fbem-18628	48	12	option	option	NOUN
fbem-18628	48	13	to	to	PART
fbem-18628	48	14	store	store	VERB
fbem-18628	48	15	and	and	CCONJ
fbem-18628	48	16	invest	invest	VERB
fbem-18628	48	17	both	both	CCONJ
fbem-18628	48	18	monetary	monetary	ADJ
fbem-18628	48	19	and	and	CCONJ
fbem-18628	48	20	non	non	ADJ
fbem-18628	48	21	-	-	ADJ
fbem-18628	48	22	monetary	monetary	ADJ
fbem-18628	48	23	resources	resource	NOUN
fbem-18628	48	24	in	in	ADP
fbem-18628	48	25	advance	advance	NOUN
fbem-18628	48	26	.	.	PUNCT
fbem-18628	49	1	although	although	SCONJ
fbem-18628	49	2	the	the	DET
fbem-18628	49	3	current	current	ADJ
fbem-18628	49	4	pension	pension	NOUN
fbem-18628	49	5	industry	industry	NOUN
fbem-18628	49	6	focuses	focus	VERB
fbem-18628	49	7	on	on	ADP
fbem-18628	49	8	the	the	DET
fbem-18628	49	9	material	material	NOUN
fbem-18628	49	10	and	and	CCONJ
fbem-18628	49	11	spiritual	spiritual	ADJ
fbem-18628	49	12	needs	need	NOUN
fbem-18628	49	13	of	of	ADP
fbem-18628	49	14	the	the	DET
fbem-18628	49	15	elderly	elderly	ADJ
fbem-18628	49	16	,	,	PUNCT
fbem-18628	49	17	pension	pension	NOUN
fbem-18628	49	18	resources	resource	NOUN
fbem-18628	49	19	are	be	AUX
fbem-18628	49	20	still	still	ADV
fbem-18628	49	21	insufficient	insufficient	ADJ
fbem-18628	49	22	,	,	PUNCT
fbem-18628	49	23	especially	especially	ADV
fbem-18628	49	24	human	human	ADJ
fbem-18628	49	25	resources	resource	NOUN
fbem-18628	49	26	(	(	PUNCT
fbem-18628	49	27	china	china	PROPN
fbem-18628	49	28	aging	age	VERB
fbem-18628	49	29	science	science	NOUN
fbem-18628	49	30	research	research	NOUN
fbem-18628	49	31	centre	centre	NOUN
fbem-18628	49	32	,	,	PUNCT
fbem-18628	49	33	2023	2023	NUM
fbem-18628	49	34	)	)	PUNCT
fbem-18628	49	35	.	.	PUNCT
fbem-18628	50	1	therefore	therefore	ADV
fbem-18628	50	2	,	,	PUNCT
fbem-18628	50	3	the	the	DET
fbem-18628	50	4	current	current	ADJ
fbem-18628	50	5	study	study	NOUN
fbem-18628	50	6	aims	aim	VERB
fbem-18628	50	7	to	to	PART
fbem-18628	50	8	establish	establish	VERB
fbem-18628	50	9	a	a	DET
fbem-18628	50	10	set	set	NOUN
fbem-18628	50	11	of	of	ADP
fbem-18628	50	12	services	service	NOUN
fbem-18628	50	13	for	for	ADP
fbem-18628	50	14	their	their	PRON
fbem-18628	50	15	own	own	ADJ
fbem-18628	50	16	resources	resource	NOUN
fbem-18628	50	17	through	through	ADP
fbem-18628	50	18	vdh	vdh	PROPN
fbem-18628	50	19	technology	technology	NOUN
fbem-18628	50	20	,	,	PUNCT
fbem-18628	50	21	which	which	PRON
fbem-18628	50	22	is	be	AUX
fbem-18628	50	23	served	serve	VERB
fbem-18628	50	24	for	for	ADP
fbem-18628	50	25	their	their	PRON
fbem-18628	50	26	future	future	ADJ
fbem-18628	50	27	elderly	elderly	ADJ
fbem-18628	50	28	care	care	NOUN
fbem-18628	50	29	.	.	PUNCT
fbem-18628	51	1	3	3	X
fbem-18628	51	2	.	.	X
fbem-18628	51	3	research	research	NOUN
fbem-18628	51	4	methods	method	NOUN
fbem-18628	51	5	and	and	CCONJ
fbem-18628	51	6	analysis	analysis	NOUN
fbem-18628	51	7	3.1	3.1	NUM
fbem-18628	51	8	.	.	PUNCT
fbem-18628	52	1	methods	method	NOUN
fbem-18628	52	2	figure	figure	VERB
fbem-18628	52	3	1	1	NUM
fbem-18628	52	4	illustrates	illustrate	VERB
fbem-18628	52	5	the	the	DET
fbem-18628	52	6	research	research	NOUN
fbem-18628	52	7	method	method	NOUN
fbem-18628	52	8	of	of	ADP
fbem-18628	52	9	the	the	DET
fbem-18628	52	10	current	current	ADJ
fbem-18628	52	11	study	study	NOUN
fbem-18628	52	12	.	.	PUNCT
fbem-18628	53	1	young	young	ADJ
fbem-18628	53	2	people	people	NOUN
fbem-18628	53	3	in	in	ADP
fbem-18628	53	4	china	china	PROPN
fbem-18628	53	5	are	be	AUX
fbem-18628	53	6	seen	see	VERB
fbem-18628	53	7	as	as	ADP
fbem-18628	53	8	the	the	DET
fbem-18628	53	9	target	target	NOUN
fbem-18628	53	10	group	group	NOUN
fbem-18628	53	11	of	of	ADP
fbem-18628	53	12	this	this	DET
fbem-18628	53	13	study	study	NOUN
fbem-18628	53	14	.	.	PUNCT
fbem-18628	54	1	this	this	DET
fbem-18628	54	2	study	study	NOUN
fbem-18628	54	3	firstly	firstly	ADV
fbem-18628	54	4	conducts	conduct	VERB
fbem-18628	54	5	semi	semi	ADJ
fbem-18628	54	6	-	-	ADJ
fbem-18628	54	7	structured	structured	ADJ
fbem-18628	54	8	interviews	interview	NOUN
fbem-18628	54	9	with	with	ADP
fbem-18628	54	10	five	five	NUM
fbem-18628	54	11	young	young	ADJ
fbem-18628	54	12	people	people	NOUN
fbem-18628	54	13	in	in	ADP
fbem-18628	54	14	china	china	PROPN
fbem-18628	54	15	,	,	PUNCT
fbem-18628	54	16	and	and	CCONJ
fbem-18628	54	17	then	then	ADV
fbem-18628	54	18	,	,	PUNCT
fbem-18628	54	19	distributes	distribute	VERB
fbem-18628	54	20	questionnaires	questionnaire	NOUN
fbem-18628	54	21	to	to	ADP
fbem-18628	54	22	sixty	sixty	NUM
fbem-18628	54	23	young	young	ADJ
fbem-18628	54	24	people[8	people[8	NOUN
fbem-18628	54	25	]	]	PUNCT
fbem-18628	54	26	.	.	PUNCT
fbem-18628	55	1	young	young	ADJ
fbem-18628	55	2	people	people	NOUN
fbem-18628	55	3	’s	’s	PART
fbem-18628	55	4	financial	financial	ADJ
fbem-18628	55	5	pension	pension	NOUN
fbem-18628	55	6	needs	need	NOUN
fbem-18628	55	7	and	and	CCONJ
fbem-18628	55	8	pain	pain	NOUN
fbem-18628	55	9	points	point	NOUN
fbem-18628	55	10	are	be	AUX
fbem-18628	55	11	analyzed	analyze	VERB
fbem-18628	55	12	based	base	VERB
fbem-18628	55	13	on	on	ADP
fbem-18628	55	14	the	the	DET
fbem-18628	55	15	interview	interview	NOUN
fbem-18628	55	16	and	and	CCONJ
fbem-18628	55	17	the	the	DET
fbem-18628	55	18	survey	survey	NOUN
fbem-18628	55	19	.	.	PUNCT
fbem-18628	56	1	a	a	DET
fbem-18628	56	2	reasonable	reasonable	ADJ
fbem-18628	56	3	and	and	CCONJ
fbem-18628	56	4	appropriate	appropriate	ADJ
fbem-18628	56	5	model	model	NOUN
fbem-18628	56	6	of	of	ADP
fbem-18628	56	7	financial	financial	ADJ
fbem-18628	56	8	pension	pension	NOUN
fbem-18628	56	9	services	service	NOUN
fbem-18628	56	10	is	be	AUX
fbem-18628	56	11	established	establish	VERB
fbem-18628	56	12	according	accord	VERB
fbem-18628	56	13	to	to	ADP
fbem-18628	56	14	their	their	PRON
fbem-18628	56	15	needs	need	NOUN
fbem-18628	56	16	.	.	PUNCT
fbem-18628	57	1	figure	figure	NOUN
fbem-18628	57	2	1	1	NUM
fbem-18628	57	3	.	.	PUNCT
fbem-18628	57	4	research	research	NOUN
fbem-18628	57	5	method	method	NOUN
fbem-18628	57	6	3.2	3.2	NUM
fbem-18628	57	7	.	.	PUNCT
fbem-18628	58	1	semi	semi	ADJ
fbem-18628	58	2	-	-	ADJ
fbem-18628	58	3	structured	structured	ADJ
fbem-18628	58	4	interviews	interview	NOUN
fbem-18628	58	5	this	this	DET
fbem-18628	58	6	study	study	NOUN
fbem-18628	58	7	conducted	conduct	VERB
fbem-18628	58	8	semi	semi	ADJ
fbem-18628	58	9	-	-	ADJ
fbem-18628	58	10	structured	structured	ADJ
fbem-18628	58	11	interviews	interview	NOUN
fbem-18628	58	12	with	with	ADP
fbem-18628	58	13	five	five	NUM
fbem-18628	58	14	young	young	ADJ
fbem-18628	58	15	people	people	NOUN
fbem-18628	58	16	to	to	PART
fbem-18628	58	17	extract	extract	VERB
fbem-18628	58	18	user	user	NOUN
fbem-18628	58	19	needs	need	NOUN
fbem-18628	58	20	.	.	PUNCT
fbem-18628	59	1	they	they	PRON
fbem-18628	59	2	are	be	AUX
fbem-18628	59	3	22	22	NUM
fbem-18628	59	4	to	to	PART
fbem-18628	59	5	35	35	NUM
fbem-18628	59	6	years	year	NOUN
fbem-18628	59	7	old	old	ADJ
fbem-18628	59	8	young	young	ADJ
fbem-18628	59	9	people	people	NOUN
fbem-18628	59	10	with	with	ADP
fbem-18628	59	11	high	high	ADJ
fbem-18628	59	12	education	education	NOUN
fbem-18628	59	13	level	level	NOUN
fbem-18628	59	14	and	and	CCONJ
fbem-18628	59	15	income	income	NOUN
fbem-18628	59	16	ability	ability	NOUN
fbem-18628	59	17	,	,	PUNCT
fbem-18628	59	18	who	who	PRON
fbem-18628	59	19	concerned	concern	VERB
fbem-18628	59	20	about	about	ADP
fbem-18628	59	21	the	the	DET
fbem-18628	59	22	problems	problem	NOUN
fbem-18628	59	23	and	and	CCONJ
fbem-18628	59	24	challenges	challenge	NOUN
fbem-18628	59	25	of	of	ADP
fbem-18628	59	26	financial	financial	ADJ
fbem-18628	59	27	elderly	elderly	ADJ
fbem-18628	59	28	care	care	NOUN
fbem-18628	59	29	.	.	PUNCT
fbem-18628	60	1	the	the	DET
fbem-18628	60	2	interviews	interview	NOUN
fbem-18628	60	3	enable	enable	VERB
fbem-18628	60	4	a	a	DET
fbem-18628	60	5	better	well	ADJ
fbem-18628	60	6	understanding	understanding	NOUN
fbem-18628	60	7	of	of	ADP
fbem-18628	60	8	their	their	PRON
fbem-18628	60	9	needs	need	NOUN
fbem-18628	60	10	and	and	CCONJ
fbem-18628	60	11	expectations	expectation	NOUN
fbem-18628	60	12	,	,	PUNCT
fbem-18628	60	13	and	and	CCONJ
fbem-18628	60	14	provide	provide	VERB
fbem-18628	60	15	references	reference	NOUN
fbem-18628	60	16	for	for	ADP
fbem-18628	60	17	service	service	NOUN
fbem-18628	60	18	design	design	NOUN
fbem-18628	60	19	.	.	PUNCT
fbem-18628	61	1	the	the	DET
fbem-18628	61	2	interviews	interview	NOUN
fbem-18628	61	3	were	be	AUX
fbem-18628	61	4	conducted	conduct	VERB
fbem-18628	61	5	through	through	ADP
fbem-18628	61	6	remote	remote	ADJ
fbem-18628	61	7	communication	communication	NOUN
fbem-18628	61	8	by	by	ADP
fbem-18628	61	9	using	use	VERB
fbem-18628	61	10	software(such	software(such	PROPN
fbem-18628	61	11	as	as	ADP
fbem-18628	61	12	wechat	wechat	NOUN
fbem-18628	61	13	and	and	CCONJ
fbem-18628	61	14	tencent	tencent	PROPN
fbem-18628	61	15	conference	conference	NOUN
fbem-18628	61	16	)	)	PUNCT
fbem-18628	61	17	,	,	PUNCT
fbem-18628	61	18	lasting	last	VERB
fbem-18628	61	19	about	about	ADP
fbem-18628	61	20	two	two	NUM
fbem-18628	61	21	hours[9	hours[9	NOUN
fbem-18628	61	22	]	]	PUNCT
fbem-18628	61	23	.	.	PUNCT
fbem-18628	62	1	the	the	DET
fbem-18628	62	2	interview	interview	NOUN
fbem-18628	62	3	mainly	mainly	ADV
fbem-18628	62	4	discussed	discuss	VERB
fbem-18628	62	5	the	the	DET
fbem-18628	62	6	views	view	NOUN
fbem-18628	62	7	and	and	CCONJ
fbem-18628	62	8	experiences	experience	NOUN
fbem-18628	62	9	in	in	ADP
fbem-18628	62	10	21	21	NUM
fbem-18628	62	11	financial	financial	ADJ
fbem-18628	62	12	elderly	elderly	ADJ
fbem-18628	62	13	care	care	NOUN
fbem-18628	62	14	(	(	PUNCT
fbem-18628	62	15	see	see	VERB
fbem-18628	62	16	appendix	appendix	NOUN
fbem-18628	62	17	1	1	NUM
fbem-18628	62	18	)	)	PUNCT
fbem-18628	62	19	.	.	PUNCT
fbem-18628	63	1	through	through	ADP
fbem-18628	63	2	the	the	DET
fbem-18628	63	3	semi	semi	ADJ
fbem-18628	63	4	-	-	ADJ
fbem-18628	63	5	structured	structured	ADJ
fbem-18628	63	6	interviews	interview	NOUN
fbem-18628	63	7	,	,	PUNCT
fbem-18628	63	8	user	user	NOUN
fbem-18628	63	9	needs	need	NOUN
fbem-18628	63	10	are	be	AUX
fbem-18628	63	11	summarised	summarise	VERB
fbem-18628	63	12	in	in	ADP
fbem-18628	63	13	appendix	appendix	NOUN
fbem-18628	63	14	2	2	NUM
fbem-18628	63	15	.	.	PUNCT
fbem-18628	64	1	for	for	ADP
fbem-18628	64	2	example	example	NOUN
fbem-18628	64	3	,	,	PUNCT
fbem-18628	64	4	an	an	DET
fbem-18628	64	5	interviewee	interviewee	NOUN
fbem-18628	64	6	mentioned	mention	VERB
fbem-18628	64	7	that	that	SCONJ
fbem-18628	64	8	"	"	PUNCT
fbem-18628	64	9	i	i	PRON
fbem-18628	64	10	feel	feel	VERB
fbem-18628	64	11	that	that	SCONJ
fbem-18628	64	12	there	there	PRON
fbem-18628	64	13	is	be	VERB
fbem-18628	64	14	no	no	DET
fbem-18628	64	15	systematic	systematic	ADJ
fbem-18628	64	16	understanding	understanding	NOUN
fbem-18628	64	17	of	of	ADP
fbem-18628	64	18	financial	financial	ADJ
fbem-18628	64	19	elderly	elderly	ADJ
fbem-18628	64	20	care	care	NOUN
fbem-18628	64	21	services	service	NOUN
fbem-18628	64	22	"	"	PUNCT
fbem-18628	64	23	.	.	PUNCT
fbem-18628	65	1	after	after	ADP
fbem-18628	65	2	deeper	deep	ADJ
fbem-18628	65	3	communication	communication	NOUN
fbem-18628	65	4	,	,	PUNCT
fbem-18628	65	5	this	this	DET
fbem-18628	65	6	interviewee	interviewee	NOUN
fbem-18628	65	7	pointed	point	VERB
fbem-18628	65	8	out	out	ADP
fbem-18628	65	9	that	that	SCONJ
fbem-18628	65	10	existing	exist	VERB
fbem-18628	65	11	financial	financial	ADJ
fbem-18628	65	12	elderly	elderly	ADJ
fbem-18628	65	13	care	care	NOUN
fbem-18628	65	14	services	service	NOUN
fbem-18628	65	15	were	be	AUX
fbem-18628	65	16	fragmentary	fragmentary	ADJ
fbem-18628	65	17	financial	financial	ADJ
fbem-18628	65	18	pension	pension	NOUN
fbem-18628	65	19	management	management	NOUN
fbem-18628	65	20	,	,	PUNCT
fbem-18628	65	21	insurance	insurance	NOUN
fbem-18628	65	22	and	and	CCONJ
fbem-18628	65	23	investment	investment	NOUN
fbem-18628	65	24	,	,	PUNCT
fbem-18628	65	25	which	which	PRON
fbem-18628	65	26	lacked	lack	VERB
fbem-18628	65	27	holistic	holistic	ADJ
fbem-18628	65	28	and	and	CCONJ
fbem-18628	65	29	systematic	systematic	ADJ
fbem-18628	65	30	services	service	NOUN
fbem-18628	65	31	.	.	PUNCT
fbem-18628	66	1	another	another	DET
fbem-18628	66	2	interviewee	interviewee	NOUN
fbem-18628	66	3	mentioned	mention	VERB
fbem-18628	66	4	that	that	SCONJ
fbem-18628	66	5	"	"	PUNCT
fbem-18628	66	6	many	many	ADJ
fbem-18628	66	7	young	young	ADJ
fbem-18628	66	8	people	people	NOUN
fbem-18628	66	9	nowadays	nowadays	ADV
fbem-18628	66	10	do	do	AUX
fbem-18628	66	11	n't	not	PART
fbem-18628	66	12	know	know	VERB
fbem-18628	66	13	much	much	ADJ
fbem-18628	66	14	about	about	ADP
fbem-18628	66	15	financial	financial	ADJ
fbem-18628	66	16	servics	servic	NOUN
fbem-18628	66	17	of	of	ADP
fbem-18628	66	18	pension"[10	pension"[10	PROPN
fbem-18628	66	19	]	]	PUNCT
fbem-18628	66	20	.	.	PUNCT
fbem-18628	67	1	further	further	ADJ
fbem-18628	67	2	interviews	interview	NOUN
fbem-18628	67	3	revealed	reveal	VERB
fbem-18628	67	4	that	that	SCONJ
fbem-18628	67	5	this	this	DET
fbem-18628	67	6	interviewee	interviewee	NOUN
fbem-18628	67	7	believed	believe	VERB
fbem-18628	67	8	that	that	SCONJ
fbem-18628	67	9	young	young	ADJ
fbem-18628	67	10	people	people	NOUN
fbem-18628	67	11	were	be	AUX
fbem-18628	67	12	confused	confuse	VERB
fbem-18628	67	13	about	about	ADP
fbem-18628	67	14	the	the	DET
fbem-18628	67	15	complexity	complexity	NOUN
fbem-18628	67	16	,	,	PUNCT
fbem-18628	67	17	specialisation	specialisation	NOUN
fbem-18628	67	18	and	and	CCONJ
fbem-18628	67	19	long	long	ADJ
fbem-18628	67	20	-	-	PUNCT
fbem-18628	67	21	term	term	NOUN
fbem-18628	67	22	investment	investment	NOUN
fbem-18628	67	23	nature	nature	NOUN
fbem-18628	67	24	of	of	ADP
fbem-18628	67	25	pension	pension	NOUN
fbem-18628	67	26	financial	financial	ADJ
fbem-18628	67	27	products	product	NOUN
fbem-18628	67	28	,	,	PUNCT
fbem-18628	67	29	so	so	SCONJ
fbem-18628	67	30	that	that	SCONJ
fbem-18628	67	31	they	they	PRON
fbem-18628	67	32	needed	need	VERB
fbem-18628	67	33	simpler	simple	ADJ
fbem-18628	67	34	and	and	CCONJ
fbem-18628	67	35	easier	easy	ADJ
fbem-18628	67	36	-	-	PUNCT
fbem-18628	67	37	tounderstand	tounderstand	NOUN
fbem-18628	67	38	information	information	NOUN
fbem-18628	67	39	and	and	CCONJ
fbem-18628	67	40	guidance	guidance	NOUN
fbem-18628	67	41	.	.	PUNCT
fbem-18628	68	1	3.3	3.3	NUM
fbem-18628	68	2	.	.	PUNCT
fbem-18628	69	1	questionnaire	questionnaire	NOUN
fbem-18628	69	2	survey	survey	NOUN
fbem-18628	69	3	user	user	NOUN
fbem-18628	69	4	needs	need	VERB
fbem-18628	69	5	for	for	ADP
fbem-18628	69	6	elderly	elderly	ADJ
fbem-18628	69	7	care	care	NOUN
fbem-18628	69	8	services	service	NOUN
fbem-18628	69	9	include	include	VERB
fbem-18628	69	10	understanding	understand	VERB
fbem-18628	69	11	the	the	DET
fbem-18628	69	12	system	system	NOUN
fbem-18628	69	13	,	,	PUNCT
fbem-18628	69	14	planning	planning	NOUN
fbem-18628	69	15	,	,	PUNCT
fbem-18628	69	16	virtual	virtual	ADJ
fbem-18628	69	17	experience	experience	NOUN
fbem-18628	69	18	,	,	PUNCT
fbem-18628	69	19	product	product	NOUN
fbem-18628	69	20	diversity	diversity	NOUN
fbem-18628	69	21	,	,	PUNCT
fbem-18628	69	22	and	and	CCONJ
fbem-18628	69	23	financial	financial	ADJ
fbem-18628	69	24	education	education	NOUN
fbem-18628	69	25	.	.	PUNCT
fbem-18628	70	1	to	to	PART
fbem-18628	70	2	meet	meet	VERB
fbem-18628	70	3	these	these	DET
fbem-18628	70	4	needs	need	NOUN
fbem-18628	70	5	,	,	PUNCT
fbem-18628	70	6	designers	designer	NOUN
fbem-18628	70	7	can	can	AUX
fbem-18628	70	8	provide	provide	VERB
fbem-18628	70	9	a	a	DET
fbem-18628	70	10	comprehensive	comprehensive	ADJ
fbem-18628	70	11	guide	guide	NOUN
fbem-18628	70	12	to	to	ADP
fbem-18628	70	13	the	the	DET
fbem-18628	70	14	service	service	NOUN
fbem-18628	70	15	and	and	CCONJ
fbem-18628	70	16	conduct	conduct	VERB
fbem-18628	70	17	educational	educational	ADJ
fbem-18628	70	18	and	and	CCONJ
fbem-18628	70	19	promotional	promotional	ADJ
fbem-18628	70	20	activities	activity	NOUN
fbem-18628	70	21	on	on	ADP
fbem-18628	70	22	retirement	retirement	NOUN
fbem-18628	70	23	finance	finance	NOUN
fbem-18628	70	24	.	.	PUNCT
fbem-18628	71	1	while	while	SCONJ
fbem-18628	71	2	interviews	interview	NOUN
fbem-18628	71	3	provided	provide	VERB
fbem-18628	71	4	some	some	DET
fbem-18628	71	5	user	user	NOUN
fbem-18628	71	6	needs	need	NOUN
fbem-18628	71	7	and	and	CCONJ
fbem-18628	71	8	concerns	concern	NOUN
fbem-18628	71	9	,	,	PUNCT
fbem-18628	71	10	they	they	PRON
fbem-18628	71	11	were	be	AUX
fbem-18628	71	12	not	not	PART
fbem-18628	71	13	sufficient	sufficient	ADJ
fbem-18628	71	14	to	to	PART
fbem-18628	71	15	illustrate	illustrate	VERB
fbem-18628	71	16	their	their	PRON
fbem-18628	71	17	importance	importance	NOUN
fbem-18628	71	18	,	,	PUNCT
fbem-18628	71	19	priority	priority	NOUN
fbem-18628	71	20	,	,	PUNCT
fbem-18628	71	21	and	and	CCONJ
fbem-18628	71	22	ranking	ranking	NOUN
fbem-18628	71	23	.	.	PUNCT
fbem-18628	72	1	therefore	therefore	ADV
fbem-18628	72	2	,	,	PUNCT
fbem-18628	72	3	questionnaires	questionnaire	NOUN
fbem-18628	72	4	were	be	AUX
fbem-18628	72	5	used	use	VERB
fbem-18628	72	6	to	to	PART
fbem-18628	72	7	understand	understand	VERB
fbem-18628	72	8	user	user	NOUN
fbem-18628	72	9	needs	need	NOUN
fbem-18628	72	10	and	and	CCONJ
fbem-18628	72	11	expectations	expectation	NOUN
fbem-18628	72	12	more	more	ADV
fbem-18628	72	13	accurately	accurately	ADV
fbem-18628	72	14	(	(	PUNCT
fbem-18628	72	15	see	see	VERB
fbem-18628	72	16	appendix	appendix	NOUN
fbem-18628	72	17	1	1	NUM
fbem-18628	72	18	)	)	PUNCT
fbem-18628	73	1	[	[	X
fbem-18628	73	2	11	11	NUM
fbem-18628	73	3	]	]	PUNCT
fbem-18628	73	4	.	.	PUNCT
fbem-18628	74	1	this	this	DET
fbem-18628	74	2	survey	survey	NOUN
fbem-18628	74	3	was	be	AUX
fbem-18628	74	4	conducted	conduct	VERB
fbem-18628	74	5	among	among	ADP
fbem-18628	74	6	63	63	NUM
fbem-18628	74	7	users	user	NOUN
fbem-18628	74	8	,	,	PUNCT
fbem-18628	74	9	including	include	VERB
fbem-18628	74	10	32	32	NUM
fbem-18628	74	11	males	male	NOUN
fbem-18628	74	12	and	and	CCONJ
fbem-18628	74	13	31	31	NUM
fbem-18628	74	14	females	female	NOUN
fbem-18628	74	15	(	(	PUNCT
fbem-18628	74	16	aged	aged	ADJ
fbem-18628	74	17	22	22	NUM
fbem-18628	74	18	-	-	SYM
fbem-18628	74	19	35	35	NUM
fbem-18628	74	20	)	)	PUNCT
fbem-18628	74	21	.	.	PUNCT
fbem-18628	75	1	and	and	CCONJ
fbem-18628	75	2	results	result	NOUN
fbem-18628	75	3	of	of	ADP
fbem-18628	75	4	the	the	DET
fbem-18628	75	5	survey	survey	NOUN
fbem-18628	75	6	showed	show	VERB
fbem-18628	75	7	that	that	SCONJ
fbem-18628	75	8	:	:	PUNCT
fbem-18628	75	9	1	1	X
fbem-18628	75	10	.	.	X
fbem-18628	75	11	the	the	DET
fbem-18628	75	12	main	main	ADJ
fbem-18628	75	13	problems	problem	NOUN
fbem-18628	75	14	of	of	ADP
fbem-18628	75	15	current	current	ADJ
fbem-18628	75	16	financial	financial	ADJ
fbem-18628	75	17	elderly	elderly	ADJ
fbem-18628	75	18	care	care	NOUN
fbem-18628	75	19	were	be	AUX
fbem-18628	75	20	serious	serious	ADJ
fbem-18628	75	21	homogenisation	homogenisation	NOUN
fbem-18628	75	22	of	of	ADP
fbem-18628	75	23	services	service	NOUN
fbem-18628	75	24	,	,	PUNCT
fbem-18628	75	25	unclear	unclear	ADJ
fbem-18628	75	26	and	and	CCONJ
fbem-18628	75	27	unambiguous	unambiguous	ADJ
fbem-18628	75	28	service	service	NOUN
fbem-18628	75	29	introductions	introduction	NOUN
fbem-18628	75	30	,	,	PUNCT
fbem-18628	75	31	and	and	CCONJ
fbem-18628	75	32	limited	limited	ADJ
fbem-18628	75	33	regulatory	regulatory	ADJ
fbem-18628	75	34	system	system	NOUN
fbem-18628	75	35	.	.	PUNCT
fbem-18628	76	1	figure	figure	NOUN
fbem-18628	76	2	2	2	NUM
fbem-18628	76	3	.	.	PUNCT
fbem-18628	76	4	findings	finding	NOUN
fbem-18628	76	5	on	on	ADP
fbem-18628	76	6	the	the	DET
fbem-18628	76	7	shortcomings	shortcoming	NOUN
fbem-18628	76	8	of	of	ADP
fbem-18628	76	9	current	current	ADJ
fbem-18628	76	10	pension	pension	NOUN
fbem-18628	76	11	finance	finance	NOUN
fbem-18628	76	12	products	product	NOUN
fbem-18628	76	13	2	2	NUM
fbem-18628	76	14	.	.	PUNCT
fbem-18628	76	15	a	a	DET
fbem-18628	76	16	significant	significant	ADJ
fbem-18628	76	17	proportion	proportion	NOUN
fbem-18628	76	18	of	of	ADP
fbem-18628	76	19	the	the	DET
fbem-18628	76	20	research	research	NOUN
fbem-18628	76	21	users	user	NOUN
fbem-18628	76	22	are	be	AUX
fbem-18628	76	23	aware	aware	ADJ
fbem-18628	76	24	of	of	ADP
fbem-18628	76	25	the	the	DET
fbem-18628	76	26	importance	importance	NOUN
fbem-18628	76	27	of	of	ADP
fbem-18628	76	28	pension	pension	NOUN
fbem-18628	76	29	planning	planning	NOUN
fbem-18628	76	30	.	.	PUNCT
fbem-18628	77	1	more	more	ADJ
fbem-18628	77	2	than	than	ADP
fbem-18628	77	3	half	half	NOUN
fbem-18628	77	4	of	of	ADP
fbem-18628	77	5	the	the	DET
fbem-18628	77	6	users	user	NOUN
fbem-18628	77	7	chose	choose	VERB
fbem-18628	77	8	the	the	DET
fbem-18628	77	9	planning	planning	NOUN
fbem-18628	77	10	and	and	CCONJ
fbem-18628	77	11	information	information	NOUN
fbem-18628	77	12	push	push	NOUN
fbem-18628	77	13	category	category	NOUN
fbem-18628	77	14	.	.	PUNCT
fbem-18628	78	1	30.6	30.6	NUM
fbem-18628	78	2	%	%	NOUN
fbem-18628	78	3	of	of	ADP
fbem-18628	78	4	them	they	PRON
fbem-18628	78	5	believed	believe	VERB
fbem-18628	78	6	that	that	SCONJ
fbem-18628	78	7	they	they	PRON
fbem-18628	78	8	need	need	VERB
fbem-18628	78	9	pension	pension	NOUN
fbem-18628	78	10	planning	planning	NOUN
fbem-18628	78	11	,	,	PUNCT
fbem-18628	78	12	and	and	CCONJ
fbem-18628	78	13	they	they	PRON
fbem-18628	78	14	hoped	hope	VERB
fbem-18628	78	15	to	to	PART
fbem-18628	78	16	prepare	prepare	VERB
fbem-18628	78	17	for	for	ADP
fbem-18628	78	18	their	their	PRON
fbem-18628	78	19	future	future	ADJ
fbem-18628	78	20	senior	senior	ADJ
fbem-18628	78	21	life	life	NOUN
fbem-18628	78	22	through	through	ADP
fbem-18628	78	23	financial	financial	ADJ
fbem-18628	78	24	elderly	elderly	ADJ
fbem-18628	78	25	care	care	NOUN
fbem-18628	78	26	services	service	NOUN
fbem-18628	78	27	.	.	PUNCT
fbem-18628	79	1	28.3	28.3	NUM
fbem-18628	79	2	%	%	NOUN
fbem-18628	79	3	of	of	ADP
fbem-18628	79	4	them	they	PRON
fbem-18628	79	5	chose	choose	VERB
fbem-18628	79	6	the	the	DET
fbem-18628	79	7	pension	pension	NOUN
fbem-18628	79	8	policy	policy	NOUN
fbem-18628	79	9	delivery	delivery	NOUN
fbem-18628	79	10	and	and	CCONJ
fbem-18628	79	11	interpretation	interpretation	NOUN
fbem-18628	79	12	services	service	NOUN
fbem-18628	79	13	,	,	PUNCT
fbem-18628	79	14	which	which	PRON
fbem-18628	79	15	also	also	ADV
fbem-18628	79	16	shows	show	VERB
fbem-18628	79	17	the	the	DET
fbem-18628	79	18	lack	lack	NOUN
fbem-18628	79	19	of	of	ADP
fbem-18628	79	20	the	the	DET
fbem-18628	79	21	current	current	ADJ
fbem-18628	79	22	market	market	NOUN
fbem-18628	79	23	for	for	ADP
fbem-18628	79	24	the	the	DET
fbem-18628	79	25	cultivation	cultivation	NOUN
fbem-18628	79	26	of	of	ADP
fbem-18628	79	27	awareness	awareness	NOUN
fbem-18628	79	28	of	of	ADP
fbem-18628	79	29	the	the	DET
fbem-18628	79	30	youth	youth	NOUN
fbem-18628	79	31	group	group	NOUN
fbem-18628	79	32	of	of	ADP
fbem-18628	79	33	the	the	DET
fbem-18628	79	34	pension	pension	NOUN
fbem-18628	79	35	.	.	PUNCT
fbem-18628	80	1	figure	figure	NOUN
fbem-18628	80	2	3	3	NUM
fbem-18628	80	3	.	.	PUNCT
fbem-18628	81	1	what	what	PRON
fbem-18628	81	2	financial	financial	ADJ
fbem-18628	81	3	pension	pension	NOUN
fbem-18628	81	4	services	service	NOUN
fbem-18628	81	5	can	can	AUX
fbem-18628	81	6	be	be	AUX
fbem-18628	81	7	offered	offer	VERB
fbem-18628	81	8	to	to	ADP
fbem-18628	81	9	young	young	ADJ
fbem-18628	81	10	people	people	NOUN
fbem-18628	81	11	3	3	NUM
fbem-18628	81	12	.	.	PUNCT
fbem-18628	81	13	high	high	ADJ
fbem-18628	81	14	awareness	awareness	NOUN
fbem-18628	81	15	of	of	ADP
fbem-18628	81	16	the	the	DET
fbem-18628	81	17	importance	importance	NOUN
fbem-18628	81	18	of	of	ADP
fbem-18628	81	19	pension	pension	NOUN
fbem-18628	81	20	planning	planning	NOUN
fbem-18628	81	21	and	and	CCONJ
fbem-18628	81	22	preparation	preparation	NOUN
fbem-18628	81	23	.	.	PUNCT
fbem-18628	82	1	according	accord	VERB
fbem-18628	82	2	to	to	ADP
fbem-18628	82	3	research	research	NOUN
fbem-18628	82	4	data	datum	NOUN
fbem-18628	82	5	,	,	PUNCT
fbem-18628	82	6	24	24	NUM
fbem-18628	82	7	%	%	NOUN
fbem-18628	82	8	of	of	ADP
fbem-18628	82	9	respondents	respondent	NOUN
fbem-18628	82	10	expressed	express	VERB
fbem-18628	82	11	interest	interest	NOUN
fbem-18628	82	12	in	in	ADP
fbem-18628	82	13	pension	pension	NOUN
fbem-18628	82	14	planning	planning	NOUN
fbem-18628	82	15	services	service	NOUN
fbem-18628	82	16	and	and	CCONJ
fbem-18628	82	17	23	23	NUM
fbem-18628	82	18	%	%	NOUN
fbem-18628	82	19	in	in	ADP
fbem-18628	82	20	retirement	retirement	NOUN
fbem-18628	82	21	planning	planning	NOUN
fbem-18628	82	22	services[12	services[12	NOUN
fbem-18628	82	23	]	]	X
fbem-18628	82	24	.	.	PUNCT
fbem-18628	83	1	additionally	additionally	ADV
fbem-18628	83	2	,	,	PUNCT
fbem-18628	83	3	24	24	NUM
fbem-18628	83	4	%	%	NOUN
fbem-18628	83	5	showed	show	VERB
fbem-18628	83	6	demand	demand	NOUN
fbem-18628	83	7	for	for	ADP
fbem-18628	83	8	free	free	ADJ
fbem-18628	83	9	seminars	seminar	NOUN
fbem-18628	83	10	and	and	CCONJ
fbem-18628	83	11	skills	skill	NOUN
fbem-18628	83	12	courses	course	NOUN
fbem-18628	83	13	,	,	PUNCT
fbem-18628	83	14	indicating	indicate	VERB
fbem-18628	83	15	a	a	DET
fbem-18628	83	16	growing	grow	VERB
fbem-18628	83	17	need	need	NOUN
fbem-18628	83	18	for	for	ADP
fbem-18628	83	19	improved	improve	VERB
fbem-18628	83	20	financial	financial	ADJ
fbem-18628	83	21	knowledge	knowledge	NOUN
fbem-18628	83	22	and	and	CCONJ
fbem-18628	83	23	abilities	ability	NOUN
fbem-18628	83	24	in	in	ADP
fbem-18628	83	25	elderly	elderly	ADJ
fbem-18628	83	26	care	care	NOUN
fbem-18628	83	27	.	.	PUNCT
fbem-18628	84	1	health	health	NOUN
fbem-18628	84	2	and	and	CCONJ
fbem-18628	84	3	quality	quality	NOUN
fbem-18628	84	4	of	of	ADP
fbem-18628	84	5	life	life	NOUN
fbem-18628	84	6	enhancement	enhancement	NOUN
fbem-18628	84	7	were	be	AUX
fbem-18628	84	8	also	also	ADV
fbem-18628	84	9	identified	identify	VERB
fbem-18628	84	10	as	as	ADP
fbem-18628	84	11	key	key	ADJ
fbem-18628	84	12	concerns	concern	NOUN
fbem-18628	84	13	.	.	PUNCT
fbem-18628	85	1	22	22	NUM
fbem-18628	85	2	figure	figure	NOUN
fbem-18628	85	3	4	4	NUM
fbem-18628	85	4	.	.	PUNCT
fbem-18628	86	1	what	what	DET
fbem-18628	86	2	additional	additional	ADJ
fbem-18628	86	3	services	service	NOUN
fbem-18628	86	4	financial	financial	ADJ
fbem-18628	86	5	services	service	NOUN
fbem-18628	86	6	organisations	organisation	NOUN
fbem-18628	86	7	are	be	AUX
fbem-18628	86	8	expected	expect	VERB
fbem-18628	86	9	to	to	PART
fbem-18628	86	10	provide	provide	VERB
fbem-18628	86	11	to	to	PART
fbem-18628	86	12	meet	meet	VERB
fbem-18628	86	13	elderly	elderly	ADJ
fbem-18628	86	14	care	care	NOUN
fbem-18628	86	15	needs	need	VERB
fbem-18628	86	16	4	4	NUM
fbem-18628	86	17	.	.	PUNCT
fbem-18628	87	1	there	there	PRON
fbem-18628	87	2	are	be	VERB
fbem-18628	87	3	differences	difference	NOUN
fbem-18628	87	4	in	in	ADP
fbem-18628	87	5	the	the	DET
fbem-18628	87	6	influence	influence	NOUN
fbem-18628	87	7	of	of	ADP
fbem-18628	87	8	different	different	ADJ
fbem-18628	87	9	channels	channel	NOUN
fbem-18628	87	10	among	among	ADP
fbem-18628	87	11	respondents	respondent	NOUN
fbem-18628	87	12	.	.	PUNCT
fbem-18628	88	1	the	the	DET
fbem-18628	88	2	proportion	proportion	NOUN
fbem-18628	88	3	of	of	ADP
fbem-18628	88	4	those	those	PRON
fbem-18628	88	5	who	who	PRON
fbem-18628	88	6	learnt	learn	VERB
fbem-18628	88	7	about	about	ADP
fbem-18628	88	8	the	the	DET
fbem-18628	88	9	bank	bank	NOUN
fbem-18628	88	10	's	's	PART
fbem-18628	88	11	financial	financial	ADJ
fbem-18628	88	12	services	service	NOUN
fbem-18628	88	13	and	and	CCONJ
fbem-18628	88	14	products	product	NOUN
fbem-18628	88	15	through	through	ADP
fbem-18628	88	16	mobile	mobile	ADJ
fbem-18628	88	17	phone	phone	NOUN
fbem-18628	88	18	apps	app	NOUN
fbem-18628	88	19	was	be	AUX
fbem-18628	88	20	the	the	DET
fbem-18628	88	21	highest	high	ADJ
fbem-18628	88	22	at	at	ADP
fbem-18628	88	23	33	33	NUM
fbem-18628	88	24	%	%	NOUN
fbem-18628	88	25	,	,	PUNCT
fbem-18628	88	26	mainly	mainly	ADV
fbem-18628	88	27	influenced	influence	VERB
fbem-18628	88	28	by	by	ADP
fbem-18628	88	29	the	the	DET
fbem-18628	88	30	popularity	popularity	NOUN
fbem-18628	88	31	and	and	CCONJ
fbem-18628	88	32	convenience	convenience	NOUN
fbem-18628	88	33	of	of	ADP
fbem-18628	88	34	the	the	DET
fbem-18628	88	35	mobile	mobile	ADJ
fbem-18628	88	36	internet	internet	NOUN
fbem-18628	88	37	.	.	PUNCT
fbem-18628	89	1	this	this	PRON
fbem-18628	89	2	is	be	AUX
fbem-18628	89	3	followed	follow	VERB
fbem-18628	89	4	by	by	ADP
fbem-18628	89	5	introduction	introduction	NOUN
fbem-18628	89	6	through	through	ADP
fbem-18628	89	7	relatives	relative	NOUN
fbem-18628	89	8	and	and	CCONJ
fbem-18628	89	9	friends	friend	NOUN
fbem-18628	89	10	,	,	PUNCT
fbem-18628	89	11	accounting	account	VERB
fbem-18628	89	12	for	for	ADP
fbem-18628	89	13	20	20	NUM
fbem-18628	89	14	%	%	NOUN
fbem-18628	89	15	,	,	PUNCT
fbem-18628	89	16	indicating	indicate	VERB
fbem-18628	89	17	that	that	SCONJ
fbem-18628	89	18	interpersonal	interpersonal	ADJ
fbem-18628	89	19	relationship	relationship	NOUN
fbem-18628	89	20	plays	play	VERB
fbem-18628	89	21	an	an	DET
fbem-18628	89	22	important	important	ADJ
fbem-18628	89	23	role	role	NOUN
fbem-18628	89	24	in	in	ADP
fbem-18628	89	25	recommendation	recommendation	NOUN
fbem-18628	89	26	.	.	PUNCT
fbem-18628	90	1	financial	financial	ADJ
fbem-18628	90	2	service	service	NOUN
fbem-18628	90	3	providers	provider	NOUN
fbem-18628	90	4	can	can	AUX
fbem-18628	90	5	conduct	conduct	VERB
fbem-18628	90	6	targeted	target	VERB
fbem-18628	90	7	publicity	publicity	NOUN
fbem-18628	90	8	and	and	CCONJ
fbem-18628	90	9	promotional	promotional	ADJ
fbem-18628	90	10	activities	activity	NOUN
fbem-18628	90	11	based	base	VERB
fbem-18628	90	12	on	on	ADP
fbem-18628	90	13	the	the	DET
fbem-18628	90	14	characteristics	characteristic	NOUN
fbem-18628	90	15	of	of	ADP
fbem-18628	90	16	different	different	ADJ
fbem-18628	90	17	channels	channel	NOUN
fbem-18628	90	18	to	to	PART
fbem-18628	90	19	better	well	ADV
fbem-18628	90	20	meet	meet	VERB
fbem-18628	90	21	the	the	DET
fbem-18628	90	22	needs	need	NOUN
fbem-18628	90	23	of	of	ADP
fbem-18628	90	24	their	their	PRON
fbem-18628	90	25	clients	client	NOUN
fbem-18628	90	26	.	.	PUNCT
fbem-18628	91	1	figure	figure	VERB
fbem-18628	91	2	5	5	NUM
fbem-18628	91	3	.	.	PUNCT
fbem-18628	91	4	main	main	ADJ
fbem-18628	91	5	channels	channel	NOUN
fbem-18628	91	6	for	for	ADP
fbem-18628	91	7	understanding	understand	VERB
fbem-18628	91	8	the	the	DET
fbem-18628	91	9	bank	bank	NOUN
fbem-18628	91	10	's	's	PART
fbem-18628	91	11	financial	financial	ADJ
fbem-18628	91	12	services	service	NOUN
fbem-18628	91	13	and	and	CCONJ
fbem-18628	91	14	products	product	NOUN
fbem-18628	91	15	3.4	3.4	NUM
fbem-18628	91	16	.	.	PUNCT
fbem-18628	92	1	user	user	NOUN
fbem-18628	92	2	portrait	portrait	PROPN
fbem-18628	92	3	creation	creation	NOUN
fbem-18628	92	4	user	user	NOUN
fbem-18628	92	5	profiles	profile	NOUN
fbem-18628	92	6	were	be	AUX
fbem-18628	92	7	summarized	summarize	VERB
fbem-18628	92	8	based	base	VERB
fbem-18628	92	9	on	on	ADP
fbem-18628	92	10	interviews	interview	NOUN
fbem-18628	92	11	and	and	CCONJ
fbem-18628	92	12	questionnaires	questionnaire	NOUN
fbem-18628	92	13	.	.	PUNCT
fbem-18628	93	1	examples	example	NOUN
fbem-18628	93	2	include	include	VERB
fbem-18628	93	3	:	:	PUNCT
fbem-18628	93	4	user	user	NOUN
fbem-18628	93	5	a	a	DET
fbem-18628	93	6	,	,	PUNCT
fbem-18628	93	7	highly	highly	ADV
fbem-18628	93	8	educated	educated	ADJ
fbem-18628	93	9	,	,	PUNCT
fbem-18628	93	10	high	high	ADJ
fbem-18628	93	11	income	income	NOUN
fbem-18628	93	12	,	,	PUNCT
fbem-18628	93	13	plans	plan	VERB
fbem-18628	93	14	ahead	ahead	ADV
fbem-18628	93	15	for	for	ADP
fbem-18628	93	16	financial	financial	ADJ
fbem-18628	93	17	elderly	elderly	ADJ
fbem-18628	93	18	care	care	NOUN
fbem-18628	93	19	.	.	PUNCT
fbem-18628	94	1	user	user	NOUN
fbem-18628	94	2	b	b	PROPN
fbem-18628	94	3	,	,	PUNCT
fbem-18628	94	4	newly	newly	ADV
fbem-18628	94	5	established	establish	VERB
fbem-18628	94	6	family	family	NOUN
fbem-18628	94	7	,	,	PUNCT
fbem-18628	94	8	high	high	ADJ
fbem-18628	94	9	demand	demand	NOUN
fbem-18628	94	10	for	for	ADP
fbem-18628	94	11	education	education	NOUN
fbem-18628	94	12	,	,	PUNCT
fbem-18628	94	13	expectant	expectant	ADJ
fbem-18628	94	14	of	of	ADP
fbem-18628	94	15	children	child	NOUN
fbem-18628	94	16	's	's	PART
fbem-18628	94	17	future	future	NOUN
fbem-18628	94	18	.	.	PUNCT
fbem-18628	95	1	user	user	NOUN
fbem-18628	95	2	c	c	PROPN
fbem-18628	95	3	,	,	PUNCT
fbem-18628	95	4	corporate	corporate	ADJ
fbem-18628	95	5	executive	executive	NOUN
fbem-18628	95	6	with	with	ADP
fbem-18628	95	7	rich	rich	ADJ
fbem-18628	95	8	management	management	NOUN
fbem-18628	95	9	experience	experience	NOUN
fbem-18628	95	10	and	and	CCONJ
fbem-18628	95	11	decision	decision	NOUN
fbem-18628	95	12	-	-	PUNCT
fbem-18628	95	13	making	make	VERB
fbem-18628	95	14	ability	ability	NOUN
fbem-18628	95	15	.	.	PUNCT
fbem-18628	96	1	user	user	NOUN
fbem-18628	96	2	d	d	PROPN
fbem-18628	96	3	,	,	PUNCT
fbem-18628	96	4	freelancer	freelancer	ADJ
fbem-18628	96	5	with	with	ADP
fbem-18628	96	6	strong	strong	ADJ
fbem-18628	96	7	self	self	NOUN
fbem-18628	96	8	-	-	PUNCT
fbem-18628	96	9	drive	drive	NOUN
fbem-18628	96	10	and	and	CCONJ
fbem-18628	96	11	exploratory	exploratory	ADJ
fbem-18628	96	12	spirit	spirit	NOUN
fbem-18628	96	13	,	,	PUNCT
fbem-18628	96	14	has	have	VERB
fbem-18628	96	15	future	future	ADJ
fbem-18628	96	16	plans[13	plans[13	NOUN
fbem-18628	96	17	]	]	PUNCT
fbem-18628	96	18	.	.	PUNCT
fbem-18628	97	1	4	4	X
fbem-18628	97	2	.	.	X
fbem-18628	97	3	results	result	VERB
fbem-18628	97	4	4.1	4.1	NUM
fbem-18628	97	5	.	.	PUNCT
fbem-18628	98	1	pain	pain	NOUN
fbem-18628	98	2	points	point	NOUN
fbem-18628	98	3	and	and	CCONJ
fbem-18628	98	4	opportunity	opportunity	NOUN
fbem-18628	98	5	points	point	NOUN
fbem-18628	98	6	through	through	ADP
fbem-18628	98	7	the	the	DET
fbem-18628	98	8	preliminary	preliminary	ADJ
fbem-18628	98	9	interviews	interview	NOUN
fbem-18628	98	10	and	and	CCONJ
fbem-18628	98	11	questionnaires	questionnaire	NOUN
fbem-18628	98	12	,	,	PUNCT
fbem-18628	98	13	the	the	DET
fbem-18628	98	14	pain	pain	NOUN
fbem-18628	98	15	points	point	NOUN
fbem-18628	98	16	and	and	CCONJ
fbem-18628	98	17	opportunity	opportunity	NOUN
fbem-18628	98	18	points	point	NOUN
fbem-18628	98	19	of	of	ADP
fbem-18628	98	20	users	user	NOUN
fbem-18628	98	21	are	be	AUX
fbem-18628	98	22	obtained	obtain	VERB
fbem-18628	98	23	:	:	PUNCT
fbem-18628	98	24	1	1	X
fbem-18628	98	25	.	.	X
fbem-18628	98	26	young	young	ADJ
fbem-18628	98	27	people	people	NOUN
fbem-18628	98	28	are	be	AUX
fbem-18628	98	29	anxious	anxious	ADJ
fbem-18628	98	30	about	about	ADP
fbem-18628	98	31	their	their	PRON
fbem-18628	98	32	future	future	ADJ
fbem-18628	98	33	retirement	retirement	NOUN
fbem-18628	98	34	,	,	PUNCT
fbem-18628	98	35	and	and	CCONJ
fbem-18628	98	36	begin	begin	VERB
fbem-18628	98	37	to	to	PART
fbem-18628	98	38	understand	understand	VERB
fbem-18628	98	39	and	and	CCONJ
fbem-18628	98	40	contact	contact	VERB
fbem-18628	98	41	financial	financial	ADJ
fbem-18628	98	42	retirement	retirement	NOUN
fbem-18628	98	43	services	service	NOUN
fbem-18628	98	44	as	as	ADV
fbem-18628	98	45	early	early	ADV
fbem-18628	98	46	as	as	ADP
fbem-18628	98	47	possible	possible	ADJ
fbem-18628	98	48	.	.	PUNCT
fbem-18628	99	1	30	30	NUM
fbem-18628	99	2	to	to	PART
fbem-18628	99	3	35	35	NUM
fbem-18628	99	4	years	year	NOUN
fbem-18628	99	5	old	old	ADJ
fbem-18628	99	6	is	be	AUX
fbem-18628	99	7	the	the	DET
fbem-18628	99	8	highest	high	ADJ
fbem-18628	99	9	proportion	proportion	NOUN
fbem-18628	99	10	of	of	ADP
fbem-18628	99	11	users	user	NOUN
fbem-18628	99	12	who	who	PRON
fbem-18628	99	13	begin	begin	VERB
fbem-18628	99	14	to	to	PART
fbem-18628	99	15	contact	contact	VERB
fbem-18628	99	16	or	or	CCONJ
fbem-18628	99	17	understand	understand	VERB
fbem-18628	99	18	financial	financial	ADJ
fbem-18628	99	19	retirement	retirement	NOUN
fbem-18628	99	20	services	service	NOUN
fbem-18628	99	21	.	.	PUNCT
fbem-18628	100	1	2	2	X
fbem-18628	100	2	.	.	X
fbem-18628	100	3	young	young	ADJ
fbem-18628	100	4	people	people	NOUN
fbem-18628	100	5	are	be	AUX
fbem-18628	100	6	highly	highly	ADV
fbem-18628	100	7	receptive	receptive	ADJ
fbem-18628	100	8	to	to	ADP
fbem-18628	100	9	the	the	DET
fbem-18628	100	10	financial	financial	ADJ
fbem-18628	100	11	pension	pension	NOUN
fbem-18628	100	12	industry	industry	NOUN
fbem-18628	100	13	and	and	CCONJ
fbem-18628	100	14	are	be	AUX
fbem-18628	100	15	willing	willing	ADJ
fbem-18628	100	16	to	to	PART
fbem-18628	100	17	make	make	VERB
fbem-18628	100	18	reserves	reserve	NOUN
fbem-18628	100	19	for	for	ADP
fbem-18628	100	20	their	their	PRON
fbem-18628	100	21	retirement	retirement	NOUN
fbem-18628	100	22	in	in	ADP
fbem-18628	100	23	advance	advance	NOUN
fbem-18628	100	24	.	.	PUNCT
fbem-18628	101	1	65.24	65.24	NUM
fbem-18628	101	2	%	%	NOUN
fbem-18628	101	3	of	of	ADP
fbem-18628	101	4	the	the	DET
fbem-18628	101	5	respondents	respondent	NOUN
fbem-18628	101	6	believe	believe	VERB
fbem-18628	101	7	that	that	SCONJ
fbem-18628	101	8	it	it	PRON
fbem-18628	101	9	is	be	AUX
fbem-18628	101	10	"	"	PUNCT
fbem-18628	101	11	relatively	relatively	ADV
fbem-18628	101	12	necessary	necessary	ADJ
fbem-18628	101	13	"	"	PUNCT
fbem-18628	101	14	or	or	CCONJ
fbem-18628	101	15	"	"	PUNCT
fbem-18628	101	16	very	very	ADV
fbem-18628	101	17	necessary	necessary	ADJ
fbem-18628	101	18	"	"	PUNCT
fbem-18628	101	19	to	to	PART
fbem-18628	101	20	make	make	VERB
fbem-18628	101	21	reserves	reserve	NOUN
fbem-18628	101	22	for	for	ADP
fbem-18628	101	23	their	their	PRON
fbem-18628	101	24	retirement	retirement	NOUN
fbem-18628	101	25	in	in	ADP
fbem-18628	101	26	advance	advance	NOUN
fbem-18628	101	27	from	from	ADP
fbem-18628	101	28	their	their	PRON
fbem-18628	101	29	youth	youth	NOUN
fbem-18628	101	30	,	,	PUNCT
fbem-18628	101	31	among	among	ADP
fbem-18628	101	32	which	which	PRON
fbem-18628	101	33	of	of	ADP
fbem-18628	101	34	these	these	PRON
fbem-18628	101	35	,	,	PUNCT
fbem-18628	101	36	21.69	21.69	NUM
fbem-18628	101	37	%	%	NOUN
fbem-18628	101	38	said	say	VERB
fbem-18628	101	39	it	it	PRON
fbem-18628	101	40	was	be	AUX
fbem-18628	101	41	"	"	PUNCT
fbem-18628	101	42	very	very	ADV
fbem-18628	101	43	necessary	necessary	ADJ
fbem-18628	101	44	"	"	PUNCT
fbem-18628	101	45	.	.	PUNCT
fbem-18628	102	1	commercial	commercial	ADJ
fbem-18628	102	2	banks	bank	NOUN
fbem-18628	102	3	,	,	PUNCT
fbem-18628	102	4	as	as	ADP
fbem-18628	102	5	fund	fund	NOUN
fbem-18628	102	6	account	account	NOUN
fbem-18628	102	7	providers	provider	NOUN
fbem-18628	102	8	,	,	PUNCT
fbem-18628	102	9	are	be	AUX
fbem-18628	102	10	involved	involve	VERB
fbem-18628	102	11	in	in	ADP
fbem-18628	102	12	the	the	DET
fbem-18628	102	13	whole	whole	ADJ
fbem-18628	102	14	process	process	NOUN
fbem-18628	102	15	of	of	ADP
fbem-18628	102	16	personal	personal	ADJ
fbem-18628	102	17	pension	pension	NOUN
fbem-18628	102	18	business	business	NOUN
fbem-18628	102	19	,	,	PUNCT
fbem-18628	102	20	and	and	CCONJ
fbem-18628	102	21	they	they	PRON
fbem-18628	102	22	need	need	VERB
fbem-18628	102	23	to	to	PART
fbem-18628	102	24	ensure	ensure	VERB
fbem-18628	102	25	the	the	DET
fbem-18628	102	26	accuracy	accuracy	NOUN
fbem-18628	102	27	and	and	CCONJ
fbem-18628	102	28	timeliness	timeliness	NOUN
fbem-18628	102	29	of	of	ADP
fbem-18628	102	30	user	user	NOUN
fbem-18628	102	31	data	datum	NOUN
fbem-18628	102	32	,	,	PUNCT
fbem-18628	102	33	as	as	ADV
fbem-18628	102	34	well	well	ADV
fbem-18628	102	35	as	as	ADP
fbem-18628	102	36	gain	gain	VERB
fbem-18628	102	37	insights	insight	NOUN
fbem-18628	102	38	into	into	ADP
fbem-18628	102	39	customers	customer	NOUN
fbem-18628	102	40	'	'	PART
fbem-18628	102	41	needs	need	NOUN
fbem-18628	102	42	,	,	PUNCT
fbem-18628	102	43	make	make	VERB
fbem-18628	102	44	good	good	ADJ
fbem-18628	102	45	use	use	NOUN
fbem-18628	102	46	of	of	ADP
fbem-18628	102	47	the	the	DET
fbem-18628	102	48	data	datum	NOUN
fbem-18628	102	49	,	,	PUNCT
fbem-18628	102	50	and	and	CCONJ
fbem-18628	102	51	improve	improve	VERB
fbem-18628	102	52	customer	customer	NOUN
fbem-18628	102	53	experience[14	experience[14	PROPN
fbem-18628	102	54	]	]	PUNCT
fbem-18628	102	55	.	.	PUNCT
fbem-18628	103	1	3	3	X
fbem-18628	103	2	.	.	X
fbem-18628	103	3	personalised	personalised	ADJ
fbem-18628	103	4	services	service	NOUN
fbem-18628	103	5	can	can	AUX
fbem-18628	103	6	improve	improve	VERB
fbem-18628	103	7	the	the	DET
fbem-18628	103	8	differentiation	differentiation	NOUN
fbem-18628	103	9	of	of	ADP
fbem-18628	103	10	pension	pension	NOUN
fbem-18628	103	11	financial	financial	ADJ
fbem-18628	103	12	products	product	NOUN
fbem-18628	103	13	.	.	PUNCT
fbem-18628	104	1	the	the	DET
fbem-18628	104	2	current	current	ADJ
fbem-18628	104	3	pension	pension	NOUN
fbem-18628	104	4	products	product	NOUN
fbem-18628	104	5	in	in	ADP
fbem-18628	104	6	the	the	DET
fbem-18628	104	7	pension	pension	NOUN
fbem-18628	104	8	service	service	NOUN
fbem-18628	104	9	system	system	NOUN
fbem-18628	104	10	are	be	AUX
fbem-18628	104	11	relatively	relatively	ADV
fbem-18628	104	12	single	single	ADJ
fbem-18628	104	13	and	and	CCONJ
fbem-18628	104	14	homogenised	homogenise	VERB
fbem-18628	104	15	,	,	PUNCT
fbem-18628	104	16	which	which	PRON
fbem-18628	104	17	can	can	AUX
fbem-18628	104	18	not	not	PART
fbem-18628	104	19	meet	meet	VERB
fbem-18628	104	20	the	the	DET
fbem-18628	104	21	financial	financial	ADJ
fbem-18628	104	22	pension	pension	NOUN
fbem-18628	104	23	needs	need	NOUN
fbem-18628	104	24	of	of	ADP
fbem-18628	104	25	different	different	ADJ
fbem-18628	104	26	age	age	NOUN
fbem-18628	104	27	groups	group	NOUN
fbem-18628	104	28	,	,	PUNCT
fbem-18628	104	29	which	which	PRON
fbem-18628	104	30	is	be	AUX
fbem-18628	104	31	also	also	ADV
fbem-18628	104	32	a	a	DET
fbem-18628	104	33	problem	problem	NOUN
fbem-18628	104	34	among	among	ADP
fbem-18628	104	35	the	the	DET
fbem-18628	104	36	current	current	ADJ
fbem-18628	104	37	financial	financial	ADJ
fbem-18628	104	38	pension	pension	NOUN
fbem-18628	104	39	service	service	NOUN
fbem-18628	104	40	system	system	NOUN
fbem-18628	104	41	.	.	PUNCT
fbem-18628	105	1	4.2	4.2	NUM
fbem-18628	105	2	.	.	PUNCT
fbem-18628	106	1	financial	financial	ADJ
fbem-18628	106	2	elderly	elderly	ADJ
fbem-18628	106	3	care	care	NOUN
fbem-18628	106	4	service	service	NOUN
fbem-18628	106	5	design	design	NOUN
fbem-18628	106	6	strategy	strategy	NOUN
fbem-18628	106	7	model	model	NOUN
fbem-18628	106	8	aiming	aim	VERB
fbem-18628	106	9	at	at	ADP
fbem-18628	106	10	the	the	DET
fbem-18628	106	11	above	above	ADJ
fbem-18628	106	12	user	user	NOUN
fbem-18628	106	13	pain	pain	NOUN
fbem-18628	106	14	points	point	NOUN
fbem-18628	106	15	and	and	CCONJ
fbem-18628	106	16	opportunity	opportunity	NOUN
fbem-18628	106	17	points	point	NOUN
fbem-18628	106	18	,	,	PUNCT
fbem-18628	106	19	we	we	PRON
fbem-18628	106	20	can	can	AUX
fbem-18628	106	21	establish	establish	VERB
fbem-18628	106	22	the	the	DET
fbem-18628	106	23	following	follow	VERB
fbem-18628	106	24	financial	financial	ADJ
fbem-18628	106	25	elderly	elderly	ADJ
fbem-18628	106	26	care	care	NOUN
fbem-18628	106	27	service	service	NOUN
fbem-18628	106	28	design	design	NOUN
fbem-18628	106	29	strategy	strategy	NOUN
fbem-18628	106	30	model	model	NOUN
fbem-18628	106	31	(	(	PUNCT
fbem-18628	106	32	see	see	VERB
fbem-18628	106	33	figure	figure	NOUN
fbem-18628	106	34	6	6	NUM
fbem-18628	106	35	)	)	PUNCT
fbem-18628	106	36	to	to	PART
fbem-18628	106	37	improve	improve	VERB
fbem-18628	106	38	the	the	DET
fbem-18628	106	39	user	user	NOUN
fbem-18628	106	40	experience	experience	NOUN
fbem-18628	106	41	and	and	CCONJ
fbem-18628	106	42	satisfaction	satisfaction	NOUN
fbem-18628	106	43	of	of	ADP
fbem-18628	106	44	financial	financial	ADJ
fbem-18628	106	45	senior	senior	ADJ
fbem-18628	106	46	care	care	NOUN
fbem-18628	106	47	services	service	NOUN
fbem-18628	106	48	,	,	PUNCT
fbem-18628	106	49	and	and	CCONJ
fbem-18628	106	50	the	the	DET
fbem-18628	106	51	main	main	ADJ
fbem-18628	106	52	parts	part	NOUN
fbem-18628	106	53	are	be	AUX
fbem-18628	106	54	below	below	ADV
fbem-18628	106	55	:	:	PUNCT
fbem-18628	106	56	figure	figure	VERB
fbem-18628	106	57	6	6	NUM
fbem-18628	106	58	.	.	PUNCT
fbem-18628	106	59	model	model	NOUN
fbem-18628	106	60	of	of	ADP
fbem-18628	106	61	financial	financial	ADJ
fbem-18628	106	62	elderly	elderly	ADJ
fbem-18628	106	63	care	care	NOUN
fbem-18628	106	64	service	service	NOUN
fbem-18628	106	65	design	design	NOUN
fbem-18628	106	66	strategy	strategy	NOUN
fbem-18628	106	67	23	23	NUM
fbem-18628	106	68	1	1	NUM
fbem-18628	106	69	.	.	PUNCT
fbem-18628	106	70	effective	effective	ADJ
fbem-18628	106	71	service	service	NOUN
fbem-18628	106	72	touchpoints	touchpoint	NOUN
fbem-18628	106	73	.	.	PUNCT
fbem-18628	107	1	to	to	PART
fbem-18628	107	2	meet	meet	VERB
fbem-18628	107	3	the	the	DET
fbem-18628	107	4	trend	trend	NOUN
fbem-18628	107	5	of	of	ADP
fbem-18628	107	6	young	young	ADJ
fbem-18628	107	7	people	people	NOUN
fbem-18628	107	8	using	use	VERB
fbem-18628	107	9	digital	digital	ADJ
fbem-18628	107	10	services	service	NOUN
fbem-18628	107	11	,	,	PUNCT
fbem-18628	107	12	effective	effective	ADJ
fbem-18628	107	13	service	service	NOUN
fbem-18628	107	14	touchpoints	touchpoint	NOUN
fbem-18628	107	15	need	need	VERB
fbem-18628	107	16	to	to	PART
fbem-18628	107	17	be	be	AUX
fbem-18628	107	18	established	establish	VERB
fbem-18628	107	19	.	.	PUNCT
fbem-18628	108	1	these	these	PRON
fbem-18628	108	2	include	include	VERB
fbem-18628	108	3	mobile	mobile	ADJ
fbem-18628	108	4	app	app	PROPN
fbem-18628	108	5	end	end	NOUN
fbem-18628	108	6	touchpoints	touchpoint	NOUN
fbem-18628	108	7	,	,	PUNCT
fbem-18628	108	8	websites	website	NOUN
fbem-18628	108	9	,	,	PUNCT
fbem-18628	108	10	social	social	ADJ
fbem-18628	108	11	media	medium	NOUN
fbem-18628	108	12	,	,	PUNCT
fbem-18628	108	13	etc	etc	X
fbem-18628	108	14	.	.	X
fbem-18628	108	15	,	,	PUNCT
fbem-18628	108	16	providing	provide	VERB
fbem-18628	108	17	24hour	24hour	NUM
fbem-18628	108	18	services	service	NOUN
fbem-18628	108	19	.	.	PUNCT
fbem-18628	109	1	youth	youth	NOUN
fbem-18628	109	2	-	-	PUNCT
fbem-18628	109	3	friendly	friendly	ADJ
fbem-18628	109	4	financial	financial	ADJ
fbem-18628	109	5	elderly	elderly	ADJ
fbem-18628	109	6	care	care	NOUN
fbem-18628	109	7	service	service	NOUN
fbem-18628	109	8	apps	app	NOUN
fbem-18628	109	9	should	should	AUX
fbem-18628	109	10	be	be	AUX
fbem-18628	109	11	designed	design	VERB
fbem-18628	109	12	for	for	ADP
fbem-18628	109	13	long	long	ADJ
fbem-18628	109	14	lead	lead	NOUN
fbem-18628	109	15	times	time	NOUN
fbem-18628	109	16	.	.	PUNCT
fbem-18628	110	1	personalised	personalised	ADJ
fbem-18628	110	2	services	service	NOUN
fbem-18628	110	3	and	and	CCONJ
fbem-18628	110	4	vdh	vdh	NOUN
fbem-18628	110	5	should	should	AUX
fbem-18628	110	6	be	be	AUX
fbem-18628	110	7	introduced	introduce	VERB
fbem-18628	110	8	to	to	PART
fbem-18628	110	9	tailor	tailor	VERB
fbem-18628	110	10	financial	financial	ADJ
fbem-18628	110	11	services	service	NOUN
fbem-18628	110	12	and	and	CCONJ
fbem-18628	110	13	experiences	experience	NOUN
fbem-18628	110	14	to	to	ADP
fbem-18628	110	15	individual	individual	ADJ
fbem-18628	110	16	needs	need	NOUN
fbem-18628	110	17	of	of	ADP
fbem-18628	110	18	young	young	ADJ
fbem-18628	110	19	users	user	NOUN
fbem-18628	110	20	.	.	PUNCT
fbem-18628	111	1	continuous	continuous	ADJ
fbem-18628	111	2	optimization	optimization	NOUN
fbem-18628	111	3	of	of	ADP
fbem-18628	111	4	these	these	DET
fbem-18628	111	5	touchpoints	touchpoint	NOUN
fbem-18628	111	6	is	be	AUX
fbem-18628	111	7	necessary	necessary	ADJ
fbem-18628	111	8	to	to	PART
fbem-18628	111	9	enhance	enhance	VERB
fbem-18628	111	10	user	user	NOUN
fbem-18628	111	11	experience	experience	NOUN
fbem-18628	111	12	.	.	PUNCT
fbem-18628	112	1	2	2	X
fbem-18628	112	2	.	.	X
fbem-18628	112	3	clear	clear	ADJ
fbem-18628	112	4	communication	communication	NOUN
fbem-18628	112	5	.	.	PUNCT
fbem-18628	113	1	concise	concise	ADJ
fbem-18628	113	2	and	and	CCONJ
fbem-18628	113	3	clear	clear	ADJ
fbem-18628	113	4	information	information	NOUN
fbem-18628	113	5	is	be	AUX
fbem-18628	113	6	essential	essential	ADJ
fbem-18628	113	7	for	for	SCONJ
fbem-18628	113	8	young	young	ADJ
fbem-18628	113	9	people	people	NOUN
fbem-18628	113	10	to	to	PART
fbem-18628	113	11	reduce	reduce	VERB
fbem-18628	113	12	confusion	confusion	NOUN
fbem-18628	113	13	about	about	ADP
fbem-18628	113	14	complex	complex	ADJ
fbem-18628	113	15	financial	financial	ADJ
fbem-18628	113	16	products	product	NOUN
fbem-18628	113	17	and	and	CCONJ
fbem-18628	113	18	services	service	NOUN
fbem-18628	113	19	.	.	PUNCT
fbem-18628	114	1	visual	visual	ADJ
fbem-18628	114	2	elements	element	NOUN
fbem-18628	114	3	such	such	ADJ
fbem-18628	114	4	as	as	ADP
fbem-18628	114	5	charts	chart	NOUN
fbem-18628	114	6	and	and	CCONJ
fbem-18628	114	7	pictures	picture	NOUN
fbem-18628	114	8	should	should	AUX
fbem-18628	114	9	be	be	AUX
fbem-18628	114	10	used	use	VERB
fbem-18628	114	11	to	to	PART
fbem-18628	114	12	aid	aid	VERB
fbem-18628	114	13	understanding	understanding	NOUN
fbem-18628	114	14	.	.	PUNCT
fbem-18628	115	1	information	information	NOUN
fbem-18628	115	2	delivery	delivery	NOUN
fbem-18628	115	3	should	should	AUX
fbem-18628	115	4	consider	consider	VERB
fbem-18628	115	5	the	the	DET
fbem-18628	115	6	interactive	interactive	ADJ
fbem-18628	115	7	and	and	CCONJ
fbem-18628	115	8	participatory	participatory	ADJ
fbem-18628	115	9	preferences	preference	NOUN
fbem-18628	115	10	of	of	ADP
fbem-18628	115	11	young	young	ADJ
fbem-18628	115	12	people	people	NOUN
fbem-18628	115	13	,	,	PUNCT
fbem-18628	115	14	who	who	PRON
fbem-18628	115	15	benefit	benefit	VERB
fbem-18628	115	16	from	from	ADP
fbem-18628	115	17	financial	financial	ADJ
fbem-18628	115	18	education	education	NOUN
fbem-18628	115	19	games	game	NOUN
fbem-18628	115	20	that	that	PRON
fbem-18628	115	21	make	make	VERB
fbem-18628	115	22	learning	learn	VERB
fbem-18628	115	23	more	more	ADV
fbem-18628	115	24	engaging	engaging	ADJ
fbem-18628	115	25	and	and	CCONJ
fbem-18628	115	26	improve	improve	VERB
fbem-18628	115	27	financial	financial	ADJ
fbem-18628	115	28	literacy	literacy	NOUN
fbem-18628	115	29	.	.	PUNCT
fbem-18628	116	1	3	3	X
fbem-18628	116	2	.	.	X
fbem-18628	116	3	personalized	personalized	ADJ
fbem-18628	116	4	service	service	NOUN
fbem-18628	116	5	design	design	NOUN
fbem-18628	116	6	.	.	PUNCT
fbem-18628	117	1	personalized	personalize	VERB
fbem-18628	117	2	financial	financial	ADJ
fbem-18628	117	3	pension	pension	NOUN
fbem-18628	117	4	services	service	NOUN
fbem-18628	117	5	are	be	AUX
fbem-18628	117	6	necessary	necessary	ADJ
fbem-18628	117	7	as	as	SCONJ
fbem-18628	117	8	each	each	DET
fbem-18628	117	9	user	user	NOUN
fbem-18628	117	10	's	's	PART
fbem-18628	117	11	needs	need	NOUN
fbem-18628	117	12	differ	differ	VERB
fbem-18628	117	13	.	.	PUNCT
fbem-18628	118	1	tailored	tailor	VERB
fbem-18628	118	2	services	service	NOUN
fbem-18628	118	3	such	such	ADJ
fbem-18628	118	4	as	as	ADP
fbem-18628	118	5	investment	investment	NOUN
fbem-18628	118	6	advisors	advisor	NOUN
fbem-18628	118	7	and	and	CCONJ
fbem-18628	118	8	financial	financial	ADJ
fbem-18628	118	9	planning	planning	NOUN
fbem-18628	118	10	should	should	AUX
fbem-18628	118	11	be	be	AUX
fbem-18628	118	12	provided	provide	VERB
fbem-18628	118	13	based	base	VERB
fbem-18628	118	14	on	on	ADP
fbem-18628	118	15	consumption	consumption	NOUN
fbem-18628	118	16	habits	habit	NOUN
fbem-18628	118	17	,	,	PUNCT
fbem-18628	118	18	investment	investment	NOUN
fbem-18628	118	19	goals	goal	NOUN
fbem-18628	118	20	,	,	PUNCT
fbem-18628	118	21	and	and	CCONJ
fbem-18628	118	22	risk	risk	NOUN
fbem-18628	118	23	tolerance	tolerance	NOUN
fbem-18628	118	24	.	.	PUNCT
fbem-18628	119	1	diverse	diverse	ADJ
fbem-18628	119	2	retirement	retirement	NOUN
fbem-18628	119	3	reserve	reserve	NOUN
fbem-18628	119	4	programs	program	NOUN
fbem-18628	119	5	can	can	AUX
fbem-18628	119	6	be	be	AUX
fbem-18628	119	7	designed	design	VERB
fbem-18628	119	8	for	for	ADP
fbem-18628	119	9	different	different	ADJ
fbem-18628	119	10	time	time	NOUN
fbem-18628	119	11	periods	period	NOUN
fbem-18628	119	12	,	,	PUNCT
fbem-18628	119	13	including	include	VERB
fbem-18628	119	14	short	short	ADJ
fbem-18628	119	15	-	-	PUNCT
fbem-18628	119	16	term	term	NOUN
fbem-18628	119	17	,	,	PUNCT
fbem-18628	119	18	medium	medium	ADJ
fbem-18628	119	19	-	-	PUNCT
fbem-18628	119	20	term	term	NOUN
fbem-18628	119	21	,	,	PUNCT
fbem-18628	119	22	and	and	CCONJ
fbem-18628	119	23	long	long	ADJ
fbem-18628	119	24	-	-	PUNCT
fbem-18628	119	25	term	term	NOUN
fbem-18628	119	26	financial	financial	ADJ
fbem-18628	119	27	products	product	NOUN
fbem-18628	119	28	.	.	PUNCT
fbem-18628	120	1	asset	asset	NOUN
fbem-18628	120	2	allocation	allocation	NOUN
fbem-18628	120	3	can	can	AUX
fbem-18628	120	4	also	also	ADV
fbem-18628	120	5	be	be	AUX
fbem-18628	120	6	personalized	personalize	VERB
fbem-18628	120	7	based	base	VERB
fbem-18628	120	8	on	on	ADP
fbem-18628	120	9	users	user	NOUN
fbem-18628	120	10	'	'	PART
fbem-18628	120	11	risk	risk	NOUN
fbem-18628	120	12	appetite	appetite	NOUN
fbem-18628	120	13	.	.	PUNCT
fbem-18628	121	1	vdh	vdh	PROPN
fbem-18628	121	2	can	can	AUX
fbem-18628	121	3	improve	improve	VERB
fbem-18628	121	4	service	service	NOUN
fbem-18628	121	5	efficiency	efficiency	NOUN
fbem-18628	121	6	by	by	ADP
fbem-18628	121	7	obtaining	obtain	VERB
fbem-18628	121	8	information	information	NOUN
fbem-18628	121	9	on	on	ADP
fbem-18628	121	10	user	user	NOUN
fbem-18628	121	11	preferences	preference	NOUN
fbem-18628	121	12	through	through	ADP
fbem-18628	121	13	daily	daily	ADJ
fbem-18628	121	14	dialogues	dialogue	NOUN
fbem-18628	121	15	,	,	PUNCT
fbem-18628	121	16	enhancing	enhance	VERB
fbem-18628	121	17	data	data	NOUN
fbem-18628	121	18	-	-	PUNCT
fbem-18628	121	19	driven	drive	VERB
fbem-18628	121	20	precision	precision	NOUN
fbem-18628	121	21	marketing	marketing	NOUN
fbem-18628	121	22	,	,	PUNCT
fbem-18628	121	23	and	and	CCONJ
fbem-18628	121	24	conducting	conduct	VERB
fbem-18628	121	25	accurate	accurate	ADJ
fbem-18628	121	26	user	user	NOUN
fbem-18628	121	27	profiling	profiling	NOUN
fbem-18628	121	28	to	to	PART
fbem-18628	121	29	understand	understand	VERB
fbem-18628	121	30	their	their	PRON
fbem-18628	121	31	risk	risk	NOUN
fbem-18628	121	32	preferences	preference	NOUN
fbem-18628	121	33	.	.	PUNCT
fbem-18628	122	1	continuous	continuous	ADJ
fbem-18628	122	2	optimization	optimization	NOUN
fbem-18628	122	3	of	of	ADP
fbem-18628	122	4	products	product	NOUN
fbem-18628	122	5	and	and	CCONJ
fbem-18628	122	6	services	service	NOUN
fbem-18628	122	7	through	through	ADP
fbem-18628	122	8	data	datum	NOUN
fbem-18628	122	9	analysis	analysis	NOUN
fbem-18628	122	10	enhances	enhance	VERB
fbem-18628	122	11	customer	customer	NOUN
fbem-18628	122	12	experience	experience	NOUN
fbem-18628	122	13	.	.	PUNCT
fbem-18628	123	1	4	4	X
fbem-18628	123	2	.	.	X
fbem-18628	123	3	immersive	immersive	ADJ
fbem-18628	123	4	interaction	interaction	NOUN
fbem-18628	123	5	.	.	PUNCT
fbem-18628	124	1	provide	provide	VERB
fbem-18628	124	2	an	an	DET
fbem-18628	124	3	interactive	interactive	ADJ
fbem-18628	124	4	image	image	NOUN
fbem-18628	124	5	to	to	PART
fbem-18628	124	6	maintain	maintain	VERB
fbem-18628	124	7	user	user	NOUN
fbem-18628	124	8	adhesion	adhesion	NOUN
fbem-18628	124	9	by	by	ADP
fbem-18628	124	10	integrating	integrate	VERB
fbem-18628	124	11	virtual	virtual	ADJ
fbem-18628	124	12	human	human	ADJ
fbem-18628	124	13	interaction	interaction	NOUN
fbem-18628	124	14	into	into	ADP
fbem-18628	124	15	daily	daily	ADJ
fbem-18628	124	16	behaviors	behavior	NOUN
fbem-18628	124	17	.	.	PUNCT
fbem-18628	125	1	users	user	NOUN
fbem-18628	125	2	'	'	PART
fbem-18628	125	3	curiosity	curiosity	NOUN
fbem-18628	125	4	drives	drive	NOUN
fbem-18628	125	5	increased	increase	VERB
fbem-18628	125	6	adhesion	adhesion	NOUN
fbem-18628	125	7	and	and	CCONJ
fbem-18628	125	8	motivation	motivation	NOUN
fbem-18628	125	9	to	to	PART
fbem-18628	125	10	use	use	VERB
fbem-18628	125	11	the	the	DET
fbem-18628	125	12	product	product	NOUN
fbem-18628	125	13	,	,	PUNCT
fbem-18628	125	14	leading	lead	VERB
fbem-18628	125	15	to	to	ADP
fbem-18628	125	16	an	an	DET
fbem-18628	125	17	immersive	immersive	ADJ
fbem-18628	125	18	experience	experience	NOUN
fbem-18628	125	19	that	that	PRON
fbem-18628	125	20	adds	add	VERB
fbem-18628	125	21	value	value	NOUN
fbem-18628	125	22	.	.	PUNCT
fbem-18628	126	1	through	through	ADP
fbem-18628	126	2	immersive	immersive	ADJ
fbem-18628	126	3	interaction	interaction	NOUN
fbem-18628	126	4	in	in	ADP
fbem-18628	126	5	a	a	DET
fbem-18628	126	6	meta	meta	ADJ
fbem-18628	126	7	-	-	PUNCT
fbem-18628	126	8	universe	universe	NOUN
fbem-18628	126	9	,	,	PUNCT
fbem-18628	126	10	users	user	NOUN
fbem-18628	126	11	can	can	AUX
fbem-18628	126	12	access	access	VERB
fbem-18628	126	13	financial	financial	ADJ
fbem-18628	126	14	services	service	NOUN
fbem-18628	126	15	and	and	CCONJ
fbem-18628	126	16	pension	pension	NOUN
fbem-18628	126	17	additional	additional	ADJ
fbem-18628	126	18	experiences	experience	NOUN
fbem-18628	126	19	with	with	ADP
fbem-18628	126	20	their	their	PRON
fbem-18628	126	21	preferred	preferred	ADJ
fbem-18628	126	22	image	image	NOUN
fbem-18628	126	23	.	.	PUNCT
fbem-18628	127	1	effective	effective	ADJ
fbem-18628	127	2	reward	reward	NOUN
fbem-18628	127	3	-	-	PUNCT
fbem-18628	127	4	based	base	VERB
fbem-18628	127	5	feedback	feedback	NOUN
fbem-18628	127	6	mechanisms	mechanism	NOUN
fbem-18628	127	7	,	,	PUNCT
fbem-18628	127	8	including	include	VERB
fbem-18628	127	9	cash	cash	NOUN
fbem-18628	127	10	,	,	PUNCT
fbem-18628	127	11	points	point	NOUN
fbem-18628	127	12	,	,	PUNCT
fbem-18628	127	13	and	and	CCONJ
fbem-18628	127	14	emotional	emotional	ADJ
fbem-18628	127	15	incentives	incentive	NOUN
fbem-18628	127	16	,	,	PUNCT
fbem-18628	127	17	enhance	enhance	VERB
fbem-18628	127	18	user	user	NOUN
fbem-18628	127	19	engagement[15	engagement[15	NOUN
fbem-18628	127	20	]	]	PUNCT
fbem-18628	127	21	.	.	PUNCT
fbem-18628	128	1	to	to	PART
fbem-18628	128	2	sum	sum	VERB
fbem-18628	128	3	up	up	ADP
fbem-18628	128	4	,	,	PUNCT
fbem-18628	128	5	we	we	PRON
fbem-18628	128	6	need	need	VERB
fbem-18628	128	7	to	to	PART
fbem-18628	128	8	build	build	VERB
fbem-18628	128	9	an	an	DET
fbem-18628	128	10	all	all	ADV
fbem-18628	128	11	-	-	PUNCT
fbem-18628	128	12	round	round	ADJ
fbem-18628	128	13	and	and	CCONJ
fbem-18628	128	14	multi	multi	ADJ
fbem-18628	128	15	-	-	ADJ
fbem-18628	128	16	level	level	ADJ
fbem-18628	128	17	financial	financial	ADJ
fbem-18628	128	18	service	service	NOUN
fbem-18628	128	19	system	system	NOUN
fbem-18628	128	20	to	to	PART
fbem-18628	128	21	meet	meet	VERB
fbem-18628	128	22	the	the	DET
fbem-18628	128	23	financial	financial	ADJ
fbem-18628	128	24	retirement	retirement	NOUN
fbem-18628	128	25	needs	need	NOUN
fbem-18628	128	26	of	of	ADP
fbem-18628	128	27	users	user	NOUN
fbem-18628	128	28	of	of	ADP
fbem-18628	128	29	different	different	ADJ
fbem-18628	128	30	age	age	NOUN
fbem-18628	128	31	groups	group	NOUN
fbem-18628	128	32	.	.	PUNCT
fbem-18628	129	1	at	at	ADP
fbem-18628	129	2	the	the	DET
fbem-18628	129	3	same	same	ADJ
fbem-18628	129	4	time	time	NOUN
fbem-18628	129	5	,	,	PUNCT
fbem-18628	129	6	we	we	PRON
fbem-18628	129	7	also	also	ADV
fbem-18628	129	8	need	need	VERB
fbem-18628	129	9	to	to	PART
fbem-18628	129	10	continuously	continuously	ADV
fbem-18628	129	11	explore	explore	VERB
fbem-18628	129	12	and	and	CCONJ
fbem-18628	129	13	innovate	innovate	VERB
fbem-18628	129	14	to	to	PART
fbem-18628	129	15	adapt	adapt	VERB
fbem-18628	129	16	to	to	ADP
fbem-18628	129	17	the	the	DET
fbem-18628	129	18	changes	change	NOUN
fbem-18628	129	19	and	and	CCONJ
fbem-18628	129	20	development	development	NOUN
fbem-18628	129	21	of	of	ADP
fbem-18628	129	22	the	the	DET
fbem-18628	129	23	financial	financial	ADJ
fbem-18628	129	24	market	market	NOUN
fbem-18628	129	25	.	.	PUNCT
fbem-18628	130	1	5	5	X
fbem-18628	130	2	.	.	X
fbem-18628	130	3	case	case	NOUN
fbem-18628	130	4	study	study	NOUN
fbem-18628	130	5	using	use	VERB
fbem-18628	130	6	the	the	DET
fbem-18628	130	7	strategy	strategy	NOUN
fbem-18628	130	8	model	model	NOUN
fbem-18628	130	9	above	above	ADV
fbem-18628	130	10	,	,	PUNCT
fbem-18628	130	11	design	design	NOUN
fbem-18628	130	12	validation	validation	NOUN
fbem-18628	130	13	was	be	AUX
fbem-18628	130	14	carried	carry	VERB
fbem-18628	130	15	out	out	ADP
fbem-18628	130	16	in	in	ADP
fbem-18628	130	17	the	the	DET
fbem-18628	130	18	app	app	NOUN
fbem-18628	130	19	design	design	NOUN
fbem-18628	130	20	.	.	PUNCT
fbem-18628	131	1	5.1	5.1	NUM
fbem-18628	131	2	.	.	PUNCT
fbem-18628	132	1	financial	financial	ADJ
fbem-18628	132	2	elderly	elderly	ADJ
fbem-18628	132	3	service	service	NOUN
fbem-18628	132	4	system	system	NOUN
fbem-18628	132	5	design	design	NOUN
fbem-18628	132	6	constructing	construct	VERB
fbem-18628	132	7	the	the	DET
fbem-18628	132	8	touchpoints	touchpoint	NOUN
fbem-18628	132	9	matrix	matrix	NOUN
fbem-18628	132	10	.	.	PUNCT
fbem-18628	133	1	when	when	SCONJ
fbem-18628	133	2	building	build	VERB
fbem-18628	133	3	a	a	DET
fbem-18628	133	4	financial	financial	ADJ
fbem-18628	133	5	elderly	elderly	ADJ
fbem-18628	133	6	care	care	NOUN
fbem-18628	133	7	service	service	NOUN
fbem-18628	133	8	system	system	NOUN
fbem-18628	133	9	,	,	PUNCT
fbem-18628	133	10	defining	define	VERB
fbem-18628	133	11	the	the	DET
fbem-18628	133	12	touchpoints	touchpoint	NOUN
fbem-18628	133	13	matrix	matrix	NOUN
fbem-18628	133	14	is	be	AUX
fbem-18628	133	15	necessary	necessary	ADJ
fbem-18628	133	16	.	.	PUNCT
fbem-18628	134	1	this	this	DET
fbem-18628	134	2	visual	visual	ADJ
fbem-18628	134	3	tool	tool	NOUN
fbem-18628	134	4	depicts	depict	VERB
fbem-18628	134	5	all	all	DET
fbem-18628	134	6	user	user	NOUN
fbem-18628	134	7	touchpoints	touchpoint	NOUN
fbem-18628	134	8	with	with	ADP
fbem-18628	134	9	a	a	DET
fbem-18628	134	10	product	product	NOUN
fbem-18628	134	11	or	or	CCONJ
fbem-18628	134	12	service	service	NOUN
fbem-18628	134	13	.	.	PUNCT
fbem-18628	135	1	for	for	ADP
fbem-18628	135	2	young	young	ADJ
fbem-18628	135	3	people	people	NOUN
fbem-18628	135	4	's	's	PART
fbem-18628	135	5	financial	financial	ADJ
fbem-18628	135	6	pension	pension	NOUN
fbem-18628	135	7	services	service	NOUN
fbem-18628	135	8	,	,	PUNCT
fbem-18628	135	9	a	a	DET
fbem-18628	135	10	comprehensive	comprehensive	ADJ
fbem-18628	135	11	and	and	CCONJ
fbem-18628	135	12	targeted	target	VERB
fbem-18628	135	13	touchpoints	touchpoint	NOUN
fbem-18628	135	14	matrix	matrix	NOUN
fbem-18628	135	15	should	should	AUX
fbem-18628	135	16	consider	consider	VERB
fbem-18628	135	17	their	their	PRON
fbem-18628	135	18	needs	need	NOUN
fbem-18628	135	19	and	and	CCONJ
fbem-18628	135	20	behaviors	behavior	NOUN
fbem-18628	135	21	in	in	ADP
fbem-18628	135	22	financial	financial	ADJ
fbem-18628	135	23	reserves	reserve	NOUN
fbem-18628	135	24	,	,	PUNCT
fbem-18628	135	25	investments	investment	NOUN
fbem-18628	135	26	,	,	PUNCT
fbem-18628	135	27	retirement	retirement	NOUN
fbem-18628	135	28	planning	planning	NOUN
fbem-18628	135	29	,	,	PUNCT
fbem-18628	135	30	etc	etc	X
fbem-18628	135	31	.	.	X
fbem-18628	136	1	(	(	PUNCT
fbem-18628	136	2	see	see	VERB
fbem-18628	136	3	figure	figure	NOUN
fbem-18628	136	4	7	7	NUM
fbem-18628	136	5	)	)	PUNCT
fbem-18628	136	6	.	.	PUNCT
fbem-18628	137	1	stakeholder	stakeholder	NOUN
fbem-18628	137	2	analysis	analysis	NOUN
fbem-18628	137	3	.	.	PUNCT
fbem-18628	138	1	in	in	ADP
fbem-18628	138	2	designing	design	VERB
fbem-18628	138	3	the	the	DET
fbem-18628	138	4	financial	financial	ADJ
fbem-18628	138	5	elderly	elderly	ADJ
fbem-18628	138	6	care	care	NOUN
fbem-18628	138	7	service	service	NOUN
fbem-18628	138	8	system	system	NOUN
fbem-18628	138	9	,	,	PUNCT
fbem-18628	138	10	we	we	PRON
fbem-18628	138	11	considered	consider	VERB
fbem-18628	138	12	multiple	multiple	ADJ
fbem-18628	138	13	stakeholders	stakeholder	NOUN
fbem-18628	138	14	,	,	PUNCT
fbem-18628	138	15	including	include	VERB
fbem-18628	138	16	users	user	NOUN
fbem-18628	138	17	,	,	PUNCT
fbem-18628	138	18	banks	bank	NOUN
fbem-18628	138	19	,	,	PUNCT
fbem-18628	138	20	and	and	CCONJ
fbem-18628	138	21	government	government	NOUN
fbem-18628	138	22	agencies	agency	NOUN
fbem-18628	138	23	.	.	PUNCT
fbem-18628	139	1	users	user	NOUN
fbem-18628	139	2	are	be	AUX
fbem-18628	139	3	our	our	PRON
fbem-18628	139	4	main	main	ADJ
fbem-18628	139	5	focus	focus	NOUN
fbem-18628	139	6	,	,	PUNCT
fbem-18628	139	7	and	and	CCONJ
fbem-18628	139	8	we	we	PRON
fbem-18628	139	9	aim	aim	VERB
fbem-18628	139	10	to	to	PART
fbem-18628	139	11	provide	provide	VERB
fbem-18628	139	12	convenient	convenient	ADJ
fbem-18628	139	13	,	,	PUNCT
fbem-18628	139	14	safe	safe	ADJ
fbem-18628	139	15	,	,	PUNCT
fbem-18628	139	16	and	and	CCONJ
fbem-18628	139	17	personalized	personalize	VERB
fbem-18628	139	18	financial	financial	ADJ
fbem-18628	139	19	services	service	NOUN
fbem-18628	139	20	.	.	PUNCT
fbem-18628	140	1	financial	financial	ADJ
fbem-18628	140	2	institutions	institution	NOUN
fbem-18628	140	3	are	be	AUX
fbem-18628	140	4	key	key	ADJ
fbem-18628	140	5	partners	partner	NOUN
fbem-18628	140	6	who	who	PRON
fbem-18628	140	7	offer	offer	VERB
fbem-18628	140	8	a	a	DET
fbem-18628	140	9	variety	variety	NOUN
fbem-18628	140	10	of	of	ADP
fbem-18628	140	11	products	product	NOUN
fbem-18628	140	12	and	and	CCONJ
fbem-18628	140	13	services	service	NOUN
fbem-18628	140	14	to	to	PART
fbem-18628	140	15	meet	meet	VERB
fbem-18628	140	16	user	user	NOUN
fbem-18628	140	17	needs	need	NOUN
fbem-18628	140	18	.	.	PUNCT
fbem-18628	141	1	government	government	NOUN
fbem-18628	141	2	agencies	agency	NOUN
fbem-18628	141	3	provide	provide	VERB
fbem-18628	141	4	policy	policy	NOUN
fbem-18628	141	5	support	support	NOUN
fbem-18628	141	6	and	and	CCONJ
fbem-18628	141	7	regulatory	regulatory	ADJ
fbem-18628	141	8	safeguards	safeguard	NOUN
fbem-18628	141	9	to	to	PART
fbem-18628	141	10	promote	promote	VERB
fbem-18628	141	11	the	the	DET
fbem-18628	141	12	development	development	NOUN
fbem-18628	141	13	of	of	ADP
fbem-18628	141	14	financial	financial	ADJ
fbem-18628	141	15	retirement	retirement	NOUN
fbem-18628	141	16	services	service	NOUN
fbem-18628	141	17	.	.	PUNCT
fbem-18628	142	1	service	service	NOUN
fbem-18628	142	2	system	system	NOUN
fbem-18628	142	3	optimization	optimization	NOUN
fbem-18628	142	4	.	.	PUNCT
fbem-18628	143	1	to	to	PART
fbem-18628	143	2	improve	improve	VERB
fbem-18628	143	3	the	the	DET
fbem-18628	143	4	efficiency	efficiency	NOUN
fbem-18628	143	5	of	of	ADP
fbem-18628	143	6	financial	financial	ADJ
fbem-18628	143	7	services	service	NOUN
fbem-18628	143	8	and	and	CCONJ
fbem-18628	143	9	user	user	NOUN
fbem-18628	143	10	experience	experience	NOUN
fbem-18628	143	11	,	,	PUNCT
fbem-18628	143	12	we	we	PRON
fbem-18628	143	13	have	have	AUX
fbem-18628	143	14	optimized	optimize	VERB
fbem-18628	143	15	our	our	PRON
fbem-18628	143	16	service	service	NOUN
fbem-18628	143	17	system	system	NOUN
fbem-18628	143	18	.	.	PUNCT
fbem-18628	144	1	first	first	ADV
fbem-18628	144	2	,	,	PUNCT
fbem-18628	144	3	vdh	vdh	PROPN
fbem-18628	144	4	technology	technology	NOUN
fbem-18628	144	5	has	have	AUX
fbem-18628	144	6	been	be	AUX
fbem-18628	144	7	introduced	introduce	VERB
fbem-18628	144	8	to	to	PART
fbem-18628	144	9	provide	provide	VERB
fbem-18628	144	10	more	more	ADV
fbem-18628	144	11	intelligent	intelligent	ADJ
fbem-18628	144	12	and	and	CCONJ
fbem-18628	144	13	personalized	personalized	ADJ
fbem-18628	144	14	services	service	NOUN
fbem-18628	144	15	.	.	PUNCT
fbem-18628	145	1	secondly	secondly	ADV
fbem-18628	145	2	,	,	PUNCT
fbem-18628	145	3	data	datum	NOUN
fbem-18628	145	4	security	security	NOUN
fbem-18628	145	5	and	and	CCONJ
fbem-18628	145	6	privacy	privacy	NOUN
fbem-18628	145	7	protection	protection	NOUN
fbem-18628	145	8	measures	measure	NOUN
fbem-18628	145	9	have	have	AUX
fbem-18628	145	10	been	be	AUX
fbem-18628	145	11	strengthened	strengthen	VERB
fbem-18628	145	12	to	to	PART
fbem-18628	145	13	ensure	ensure	VERB
fbem-18628	145	14	that	that	SCONJ
fbem-18628	145	15	users	user	NOUN
fbem-18628	145	16	'	'	PART
fbem-18628	145	17	personal	personal	ADJ
fbem-18628	145	18	information	information	NOUN
fbem-18628	145	19	is	be	AUX
fbem-18628	145	20	fully	fully	ADV
fbem-18628	145	21	protected	protect	VERB
fbem-18628	145	22	.	.	PUNCT
fbem-18628	146	1	finally	finally	ADV
fbem-18628	146	2	,	,	PUNCT
fbem-18628	146	3	the	the	DET
fbem-18628	146	4	functions	function	NOUN
fbem-18628	146	5	and	and	CCONJ
fbem-18628	146	6	interface	interface	NOUN
fbem-18628	146	7	design	design	NOUN
fbem-18628	146	8	of	of	ADP
fbem-18628	146	9	the	the	DET
fbem-18628	146	10	app	app	NOUN
fbem-18628	146	11	are	be	AUX
fbem-18628	146	12	continuously	continuously	ADV
fbem-18628	146	13	optimized	optimize	VERB
fbem-18628	146	14	to	to	PART
fbem-18628	146	15	enhance	enhance	VERB
fbem-18628	146	16	the	the	DET
fbem-18628	146	17	user	user	NOUN
fbem-18628	146	18	experience	experience	NOUN
fbem-18628	146	19	.	.	PUNCT
fbem-18628	147	1	figure	figure	VERB
fbem-18628	147	2	7	7	NUM
fbem-18628	147	3	.	.	PUNCT
fbem-18628	147	4	findings	finding	NOUN
fbem-18628	147	5	on	on	ADP
fbem-18628	147	6	the	the	DET
fbem-18628	147	7	shortcomings	shortcoming	NOUN
fbem-18628	147	8	of	of	ADP
fbem-18628	147	9	current	current	ADJ
fbem-18628	147	10	pension	pension	NOUN
fbem-18628	147	11	finance	finance	NOUN
fbem-18628	147	12	products	product	NOUN
fbem-18628	147	13	24	24	NUM
fbem-18628	147	14	5.2	5.2	NUM
fbem-18628	147	15	.	.	PUNCT
fbem-18628	148	1	reme	reme	PROPN
fbem-18628	148	2	financial	financial	ADJ
fbem-18628	148	3	elderly	elderly	ADJ
fbem-18628	148	4	care	care	NOUN
fbem-18628	148	5	services	service	NOUN
fbem-18628	148	6	design	design	NOUN
fbem-18628	148	7	orientation	orientation	NOUN
fbem-18628	148	8	this	this	DET
fbem-18628	148	9	paper	paper	NOUN
fbem-18628	148	10	analyzes	analyze	VERB
fbem-18628	148	11	the	the	DET
fbem-18628	148	12	participation	participation	NOUN
fbem-18628	148	13	of	of	ADP
fbem-18628	148	14	vdh	vdh	NOUN
fbem-18628	148	15	in	in	ADP
fbem-18628	148	16	financial	financial	ADJ
fbem-18628	148	17	elderly	elderly	ADJ
fbem-18628	148	18	services	service	NOUN
fbem-18628	148	19	for	for	ADP
fbem-18628	148	20	youth	youth	NOUN
fbem-18628	148	21	groups	group	NOUN
fbem-18628	148	22	,	,	PUNCT
fbem-18628	148	23	aiming	aim	VERB
fbem-18628	148	24	to	to	PART
fbem-18628	148	25	enrich	enrich	VERB
fbem-18628	148	26	research	research	NOUN
fbem-18628	148	27	on	on	ADP
fbem-18628	148	28	digital	digital	ADJ
fbem-18628	148	29	people	people	NOUN
fbem-18628	148	30	's	's	PART
fbem-18628	148	31	participation	participation	NOUN
fbem-18628	148	32	in	in	ADP
fbem-18628	148	33	financial	financial	ADJ
fbem-18628	148	34	pension	pension	NOUN
fbem-18628	148	35	services[16	services[16	NOUN
fbem-18628	148	36	]	]	PUNCT
fbem-18628	148	37	.	.	PUNCT
fbem-18628	149	1	it	it	PRON
fbem-18628	149	2	explores	explore	VERB
fbem-18628	149	3	concerns	concern	NOUN
fbem-18628	149	4	and	and	CCONJ
fbem-18628	149	5	needs	need	NOUN
fbem-18628	149	6	of	of	ADP
fbem-18628	149	7	youth	youth	NOUN
fbem-18628	149	8	groups	group	NOUN
fbem-18628	149	9	in	in	ADP
fbem-18628	149	10	future	future	ADJ
fbem-18628	149	11	pension	pension	NOUN
fbem-18628	149	12	services	service	NOUN
fbem-18628	149	13	,	,	PUNCT
fbem-18628	149	14	investigates	investigate	VERB
fbem-18628	149	15	the	the	DET
fbem-18628	149	16	industry	industry	NOUN
fbem-18628	149	17	's	's	PART
fbem-18628	149	18	evolution	evolution	NOUN
fbem-18628	149	19	from	from	ADP
fbem-18628	149	20	traditional	traditional	ADJ
fbem-18628	149	21	to	to	ADP
fbem-18628	149	22	new	new	ADJ
fbem-18628	149	23	era	era	NOUN
fbem-18628	149	24	and	and	CCONJ
fbem-18628	149	25	future	future	ADJ
fbem-18628	149	26	social	social	ADJ
fbem-18628	149	27	environment	environment	NOUN
fbem-18628	149	28	,	,	PUNCT
fbem-18628	149	29	and	and	CCONJ
fbem-18628	149	30	proposes	propose	VERB
fbem-18628	149	31	solutions	solution	NOUN
fbem-18628	149	32	and	and	CCONJ
fbem-18628	149	33	methods	method	NOUN
fbem-18628	149	34	for	for	ADP
fbem-18628	149	35	youth	youth	NOUN
fbem-18628	149	36	groups	group	NOUN
fbem-18628	149	37	using	use	VERB
fbem-18628	149	38	relevant	relevant	ADJ
fbem-18628	149	39	data	datum	NOUN
fbem-18628	149	40	and	and	CCONJ
fbem-18628	149	41	research	research	NOUN
fbem-18628	149	42	.	.	PUNCT
fbem-18628	150	1	the	the	DET
fbem-18628	150	2	paper	paper	NOUN
fbem-18628	150	3	uses	use	VERB
fbem-18628	150	4	"	"	PUNCT
fbem-18628	150	5	reme	reme	NOUN
fbem-18628	150	6	"	"	PUNCT
fbem-18628	150	7	service	service	NOUN
fbem-18628	150	8	design	design	NOUN
fbem-18628	150	9	as	as	ADP
fbem-18628	150	10	an	an	DET
fbem-18628	150	11	example	example	NOUN
fbem-18628	150	12	to	to	PART
fbem-18628	150	13	discuss	discuss	VERB
fbem-18628	150	14	youth	youth	NOUN
fbem-18628	150	15	group	group	NOUN
fbem-18628	150	16	participation	participation	NOUN
fbem-18628	150	17	in	in	ADP
fbem-18628	150	18	designing	design	VERB
fbem-18628	150	19	future	future	ADJ
fbem-18628	150	20	elderly	elderly	ADJ
fbem-18628	150	21	services	service	NOUN
fbem-18628	150	22	,	,	PUNCT
fbem-18628	150	23	focusing	focus	VERB
fbem-18628	150	24	on	on	ADP
fbem-18628	150	25	the	the	DET
fbem-18628	150	26	following	follow	VERB
fbem-18628	150	27	aspects	aspect	NOUN
fbem-18628	150	28	:	:	PUNCT
fbem-18628	150	29	1	1	X
fbem-18628	150	30	.	.	X
fbem-18628	150	31	user	user	NOUN
fbem-18628	150	32	-	-	PUNCT
fbem-18628	150	33	centred	centre	VERB
fbem-18628	150	34	.	.	PUNCT
fbem-18628	151	1	one	one	NUM
fbem-18628	151	2	of	of	ADP
fbem-18628	151	3	the	the	DET
fbem-18628	151	4	key	key	ADJ
fbem-18628	151	5	features	feature	NOUN
fbem-18628	151	6	of	of	ADP
fbem-18628	151	7	service	service	NOUN
fbem-18628	151	8	design	design	NOUN
fbem-18628	151	9	is	be	AUX
fbem-18628	151	10	to	to	PART
fbem-18628	151	11	design	design	VERB
fbem-18628	151	12	for	for	ADP
fbem-18628	151	13	people	people	NOUN
fbem-18628	151	14	.	.	PUNCT
fbem-18628	152	1	the	the	DET
fbem-18628	152	2	design	design	NOUN
fbem-18628	152	3	of	of	ADP
fbem-18628	152	4	service	service	NOUN
fbem-18628	152	5	systems	system	NOUN
fbem-18628	152	6	and	and	CCONJ
fbem-18628	152	7	touchpoints	touchpoint	NOUN
fbem-18628	152	8	should	should	AUX
fbem-18628	152	9	be	be	AUX
fbem-18628	152	10	able	able	ADJ
fbem-18628	152	11	to	to	PART
fbem-18628	152	12	resonate	resonate	VERB
fbem-18628	152	13	with	with	ADP
fbem-18628	152	14	the	the	DET
fbem-18628	152	15	users	user	NOUN
fbem-18628	152	16	,	,	PUNCT
fbem-18628	152	17	and	and	CCONJ
fbem-18628	152	18	the	the	DET
fbem-18628	152	19	strengths	strength	NOUN
fbem-18628	152	20	and	and	CCONJ
fbem-18628	152	21	weaknesses	weakness	NOUN
fbem-18628	152	22	of	of	ADP
fbem-18628	152	23	the	the	DET
fbem-18628	152	24	products	product	NOUN
fbem-18628	152	25	in	in	ADP
fbem-18628	152	26	the	the	DET
fbem-18628	152	27	market	market	NOUN
fbem-18628	152	28	should	should	AUX
fbem-18628	152	29	be	be	AUX
fbem-18628	152	30	understood	understand	VERB
fbem-18628	152	31	,	,	PUNCT
fbem-18628	152	32	so	so	SCONJ
fbem-18628	152	33	as	as	SCONJ
fbem-18628	152	34	to	to	PART
fbem-18628	152	35	optimize	optimize	VERB
fbem-18628	152	36	the	the	DET
fbem-18628	152	37	design	design	NOUN
fbem-18628	152	38	of	of	ADP
fbem-18628	152	39	the	the	DET
fbem-18628	152	40	service	service	NOUN
fbem-18628	152	41	system	system	NOUN
fbem-18628	152	42	in	in	ADP
fbem-18628	152	43	this	this	DET
fbem-18628	152	44	research	research	NOUN
fbem-18628	152	45	.	.	PUNCT
fbem-18628	153	1	2	2	X
fbem-18628	153	2	.	.	X
fbem-18628	153	3	long	long	ADJ
fbem-18628	153	4	-	-	PUNCT
fbem-18628	153	5	cycle	cycle	NOUN
fbem-18628	153	6	service	service	NOUN
fbem-18628	153	7	system	system	NOUN
fbem-18628	153	8	design	design	NOUN
fbem-18628	153	9	.	.	PUNCT
fbem-18628	154	1	since	since	SCONJ
fbem-18628	154	2	the	the	DET
fbem-18628	154	3	service	service	NOUN
fbem-18628	154	4	cycle	cycle	NOUN
fbem-18628	154	5	of	of	ADP
fbem-18628	154	6	this	this	DET
fbem-18628	154	7	design	design	NOUN
fbem-18628	154	8	is	be	AUX
fbem-18628	154	9	from	from	ADP
fbem-18628	154	10	youth	youth	NOUN
fbem-18628	154	11	to	to	ADP
fbem-18628	154	12	after	after	ADP
fbem-18628	154	13	the	the	DET
fbem-18628	154	14	user	user	NOUN
fbem-18628	154	15	's	's	PART
fbem-18628	154	16	hundred	hundred	NUM
fbem-18628	154	17	years	year	NOUN
fbem-18628	154	18	,	,	PUNCT
fbem-18628	154	19	the	the	DET
fbem-18628	154	20	key	key	ADJ
fbem-18628	154	21	needs	need	NOUN
fbem-18628	154	22	and	and	CCONJ
fbem-18628	154	23	pain	pain	NOUN
fbem-18628	154	24	points	point	NOUN
fbem-18628	154	25	of	of	ADP
fbem-18628	154	26	the	the	DET
fbem-18628	154	27	user	user	NOUN
fbem-18628	154	28	change	change	NOUN
fbem-18628	154	29	at	at	ADP
fbem-18628	154	30	different	different	ADJ
fbem-18628	154	31	times	time	NOUN
fbem-18628	154	32	,	,	PUNCT
fbem-18628	154	33	so	so	CCONJ
fbem-18628	154	34	the	the	DET
fbem-18628	154	35	different	different	ADJ
fbem-18628	154	36	needs	need	NOUN
fbem-18628	154	37	of	of	ADP
fbem-18628	154	38	the	the	DET
fbem-18628	154	39	user	user	NOUN
fbem-18628	154	40	at	at	ADP
fbem-18628	154	41	different	different	ADJ
fbem-18628	154	42	stages	stage	NOUN
fbem-18628	154	43	need	need	VERB
fbem-18628	154	44	to	to	PART
fbem-18628	154	45	be	be	AUX
fbem-18628	154	46	taken	take	VERB
fbem-18628	154	47	into	into	ADP
fbem-18628	154	48	account	account	NOUN
fbem-18628	154	49	in	in	ADP
fbem-18628	154	50	the	the	DET
fbem-18628	154	51	design	design	NOUN
fbem-18628	154	52	process	process	NOUN
fbem-18628	154	53	.	.	PUNCT
fbem-18628	155	1	meanwhile	meanwhile	ADV
fbem-18628	155	2	digital	digital	ADJ
fbem-18628	155	3	security	security	NOUN
fbem-18628	155	4	and	and	CCONJ
fbem-18628	155	5	ethical	ethical	ADJ
fbem-18628	155	6	issues	issue	NOUN
fbem-18628	155	7	in	in	ADP
fbem-18628	155	8	the	the	DET
fbem-18628	155	9	financial	financial	ADJ
fbem-18628	155	10	services	service	NOUN
fbem-18628	155	11	that	that	PRON
fbem-18628	155	12	digital	digital	ADJ
fbem-18628	155	13	people	people	NOUN
fbem-18628	155	14	are	be	AUX
fbem-18628	155	15	involved	involve	VERB
fbem-18628	155	16	in	in	ADP
fbem-18628	155	17	is	be	AUX
fbem-18628	155	18	a	a	DET
fbem-18628	155	19	concern	concern	NOUN
fbem-18628	155	20	in	in	ADP
fbem-18628	155	21	this	this	DET
fbem-18628	155	22	study	study	NOUN
fbem-18628	155	23	.	.	PUNCT
fbem-18628	156	1	the	the	DET
fbem-18628	156	2	overarching	overarching	ADJ
fbem-18628	156	3	design	design	NOUN
fbem-18628	156	4	ethics	ethic	NOUN
fbem-18628	156	5	concept	concept	NOUN
fbem-18628	156	6	of	of	ADP
fbem-18628	156	7	"	"	PUNCT
fbem-18628	156	8	ethical	ethical	ADJ
fbem-18628	156	9	design	design	NOUN
fbem-18628	156	10	intelligence	intelligence	NOUN
fbem-18628	156	11	"	"	PUNCT
fbem-18628	156	12	needs	need	VERB
fbem-18628	156	13	to	to	PART
fbem-18628	156	14	be	be	AUX
fbem-18628	156	15	followed	follow	VERB
fbem-18628	156	16	in	in	ADP
fbem-18628	156	17	the	the	DET
fbem-18628	156	18	design	design	NOUN
fbem-18628	156	19	(	(	PUNCT
fbem-18628	156	20	d'anjou	d'anjou	X
fbem-18628	156	21	philippe	philippe	PROPN
fbem-18628	156	22	,	,	PUNCT
fbem-18628	156	23	2023	2023	NUM
fbem-18628	156	24	)	)	PUNCT
fbem-18628	156	25	.	.	PUNCT
fbem-18628	157	1	5.3	5.3	NUM
fbem-18628	157	2	.	.	PUNCT
fbem-18628	157	3	reme	reme	PROPN
fbem-18628	157	4	financial	financial	ADJ
fbem-18628	157	5	elderly	elderly	ADJ
fbem-18628	157	6	care	care	NOUN
fbem-18628	157	7	services	service	NOUN
fbem-18628	157	8	key	key	ADJ
fbem-18628	157	9	service	service	NOUN
fbem-18628	157	10	touchpoints	touchpoint	NOUN
fbem-18628	157	11	1	1	NUM
fbem-18628	157	12	.	.	PUNCT
fbem-18628	157	13	app	app	PROPN
fbem-18628	157	14	design	design	NOUN
fbem-18628	157	15	.	.	PUNCT
fbem-18628	158	1	in	in	ADP
fbem-18628	158	2	the	the	DET
fbem-18628	158	3	service	service	NOUN
fbem-18628	158	4	blueprint	blueprint	NOUN
fbem-18628	158	5	,	,	PUNCT
fbem-18628	158	6	mobile	mobile	ADJ
fbem-18628	158	7	phones	phone	NOUN
fbem-18628	158	8	are	be	AUX
fbem-18628	158	9	the	the	DET
fbem-18628	158	10	main	main	ADJ
fbem-18628	158	11	tool	tool	NOUN
fbem-18628	158	12	for	for	ADP
fbem-18628	158	13	realizing	realize	VERB
fbem-18628	158	14	thein	thein	NOUN
fbem-18628	158	15	the	the	DET
fbem-18628	158	16	service	service	NOUN
fbem-18628	158	17	blueprint	blueprint	NOUN
fbem-18628	158	18	,	,	PUNCT
fbem-18628	158	19	mobile	mobile	ADJ
fbem-18628	158	20	phones	phone	NOUN
fbem-18628	158	21	are	be	AUX
fbem-18628	158	22	the	the	DET
fbem-18628	158	23	main	main	ADJ
fbem-18628	158	24	tool	tool	NOUN
fbem-18628	158	25	for	for	ADP
fbem-18628	158	26	realizing	realize	VERB
fbem-18628	158	27	the	the	DET
fbem-18628	158	28	youth	youth	NOUN
fbem-18628	158	29	stage	stage	NOUN
fbem-18628	158	30	's	's	PART
fbem-18628	158	31	service	service	NOUN
fbem-18628	158	32	aspect	aspect	NOUN
fbem-18628	158	33	.	.	PUNCT
fbem-18628	159	1	therefore	therefore	ADV
fbem-18628	159	2	,	,	PUNCT
fbem-18628	159	3	a	a	DET
fbem-18628	159	4	detailed	detailed	ADJ
fbem-18628	159	5	app	app	NOUN
fbem-18628	159	6	design	design	NOUN
fbem-18628	159	7	is	be	AUX
fbem-18628	159	8	essential	essential	ADJ
fbem-18628	159	9	as	as	ADP
fbem-18628	159	10	a	a	DET
fbem-18628	159	11	key	key	ADJ
fbem-18628	159	12	touchpoint	touchpoint	NOUN
fbem-18628	159	13	.	.	PUNCT
fbem-18628	160	1	the	the	DET
fbem-18628	160	2	mobile	mobile	ADJ
fbem-18628	160	3	phone	phone	NOUN
fbem-18628	160	4	app	app	NOUN
fbem-18628	160	5	should	should	AUX
fbem-18628	160	6	provide	provide	VERB
fbem-18628	160	7	incentive	incentive	NOUN
fbem-18628	160	8	functions	function	NOUN
fbem-18628	160	9	to	to	PART
fbem-18628	160	10	attract	attract	VERB
fbem-18628	160	11	users	user	NOUN
fbem-18628	160	12	,	,	PUNCT
fbem-18628	160	13	such	such	ADJ
fbem-18628	160	14	as	as	ADP
fbem-18628	160	15	a	a	DET
fbem-18628	160	16	value	value	NOUN
fbem-18628	160	17	-	-	PUNCT
fbem-18628	160	18	added	add	VERB
fbem-18628	160	19	tree	tree	NOUN
fbem-18628	160	20	homepage	homepage	NOUN
fbem-18628	160	21	that	that	PRON
fbem-18628	160	22	displays	display	VERB
fbem-18628	160	23	current	current	ADJ
fbem-18628	160	24	pension	pension	NOUN
fbem-18628	160	25	reserves	reserve	NOUN
fbem-18628	160	26	and	and	CCONJ
fbem-18628	160	27	daily	daily	ADJ
fbem-18628	160	28	value	value	NOUN
fbem-18628	160	29	-	-	PUNCT
fbem-18628	160	30	added	add	VERB
fbem-18628	160	31	every	every	DET
fbem-18628	160	32	time	time	NOUN
fbem-18628	160	33	the	the	DET
fbem-18628	160	34	app	app	NOUN
fbem-18628	160	35	is	be	AUX
fbem-18628	160	36	opened	open	VERB
fbem-18628	160	37	,	,	PUNCT
fbem-18628	160	38	increasing	increase	VERB
fbem-18628	160	39	user	user	NOUN
fbem-18628	160	40	interest	interest	NOUN
fbem-18628	160	41	and	and	CCONJ
fbem-18628	160	42	stickiness	stickiness	NOUN
fbem-18628	160	43	.	.	PUNCT
fbem-18628	161	1	personalized	personalized	ADJ
fbem-18628	161	2	experiences	experience	NOUN
fbem-18628	161	3	are	be	AUX
fbem-18628	161	4	also	also	ADV
fbem-18628	161	5	crucial	crucial	ADJ
fbem-18628	161	6	for	for	ADP
fbem-18628	161	7	appealing	appeal	VERB
fbem-18628	161	8	to	to	ADP
fbem-18628	161	9	the	the	DET
fbem-18628	161	10	youth	youth	NOUN
fbem-18628	161	11	group	group	NOUN
fbem-18628	161	12	,	,	PUNCT
fbem-18628	161	13	such	such	ADJ
fbem-18628	161	14	as	as	ADP
fbem-18628	161	15	using	use	VERB
fbem-18628	161	16	aigc	aigc	NOUN
fbem-18628	161	17	technology	technology	NOUN
fbem-18628	161	18	to	to	PART
fbem-18628	161	19	provide	provide	VERB
fbem-18628	161	20	personalized	personalized	ADJ
fbem-18628	161	21	interfaces[17	interfaces[17	NOUN
fbem-18628	161	22	]	]	PUNCT
fbem-18628	161	23	.	.	PUNCT
fbem-18628	162	1	2	2	X
fbem-18628	162	2	.	.	X
fbem-18628	162	3	offline	offline	ADJ
fbem-18628	162	4	bank	bank	NOUN
fbem-18628	162	5	branches	branch	NOUN
fbem-18628	162	6	.	.	PUNCT
fbem-18628	163	1	at	at	ADP
fbem-18628	163	2	the	the	DET
fbem-18628	163	3	same	same	ADJ
fbem-18628	163	4	time	time	NOUN
fbem-18628	163	5	,	,	PUNCT
fbem-18628	163	6	offline	offline	ADJ
fbem-18628	163	7	bank	bank	NOUN
fbem-18628	163	8	outlets	outlet	NOUN
fbem-18628	163	9	also	also	ADV
fbem-18628	163	10	serve	serve	VERB
fbem-18628	163	11	as	as	ADP
fbem-18628	163	12	a	a	DET
fbem-18628	163	13	key	key	ADJ
fbem-18628	163	14	touch	touch	NOUN
fbem-18628	163	15	point	point	NOUN
fbem-18628	163	16	,	,	PUNCT
fbem-18628	163	17	stimulating	stimulate	VERB
fbem-18628	163	18	the	the	DET
fbem-18628	163	19	vitality	vitality	NOUN
fbem-18628	163	20	of	of	ADP
fbem-18628	163	21	offline	offline	ADJ
fbem-18628	163	22	bank	bank	NOUN
fbem-18628	163	23	outlets	outlet	NOUN
fbem-18628	163	24	while	while	SCONJ
fbem-18628	163	25	allowing	allow	VERB
fbem-18628	163	26	users	user	NOUN
fbem-18628	163	27	to	to	PART
fbem-18628	163	28	experience	experience	VERB
fbem-18628	163	29	the	the	DET
fbem-18628	163	30	service	service	NOUN
fbem-18628	163	31	process	process	NOUN
fbem-18628	163	32	more	more	ADV
fbem-18628	163	33	completely	completely	ADV
fbem-18628	163	34	.	.	PUNCT
fbem-18628	164	1	in	in	ADP
fbem-18628	164	2	this	this	DET
fbem-18628	164	3	design	design	NOUN
fbem-18628	164	4	,	,	PUNCT
fbem-18628	164	5	an	an	DET
fbem-18628	164	6	experience	experience	NOUN
fbem-18628	164	7	area	area	NOUN
fbem-18628	164	8	is	be	AUX
fbem-18628	164	9	to	to	PART
fbem-18628	164	10	be	be	AUX
fbem-18628	164	11	set	set	VERB
fbem-18628	164	12	up	up	ADP
fbem-18628	164	13	in	in	ADP
fbem-18628	164	14	offline	offline	ADJ
fbem-18628	164	15	bank	bank	NOUN
fbem-18628	164	16	outlets	outlet	NOUN
fbem-18628	164	17	so	so	SCONJ
fbem-18628	164	18	that	that	SCONJ
fbem-18628	164	19	users	user	NOUN
fbem-18628	164	20	can	can	AUX
fbem-18628	164	21	experience	experience	VERB
fbem-18628	164	22	or	or	CCONJ
fbem-18628	164	23	feel	feel	VERB
fbem-18628	164	24	the	the	DET
fbem-18628	164	25	future	future	ADJ
fbem-18628	164	26	scenario	scenario	NOUN
fbem-18628	164	27	when	when	SCONJ
fbem-18628	164	28	they	they	PRON
fbem-18628	164	29	are	be	AUX
fbem-18628	164	30	old	old	ADJ
fbem-18628	164	31	,	,	PUNCT
fbem-18628	164	32	in	in	ADP
fbem-18628	164	33	order	order	NOUN
fbem-18628	164	34	to	to	PART
fbem-18628	164	35	achieve	achieve	VERB
fbem-18628	164	36	the	the	DET
fbem-18628	164	37	purpose	purpose	NOUN
fbem-18628	164	38	of	of	ADP
fbem-18628	164	39	letting	let	VERB
fbem-18628	164	40	users	user	NOUN
fbem-18628	164	41	understand	understand	VERB
fbem-18628	164	42	more	more	ADJ
fbem-18628	164	43	about	about	ADP
fbem-18628	164	44	the	the	DET
fbem-18628	164	45	necessity	necessity	NOUN
fbem-18628	164	46	of	of	ADP
fbem-18628	164	47	financial	financial	ADJ
fbem-18628	164	48	retirement	retirement	NOUN
fbem-18628	164	49	planning	planning	NOUN
fbem-18628	164	50	,	,	PUNCT
fbem-18628	164	51	and	and	CCONJ
fbem-18628	164	52	at	at	ADP
fbem-18628	164	53	the	the	DET
fbem-18628	164	54	same	same	ADJ
fbem-18628	164	55	time	time	NOUN
fbem-18628	164	56	a	a	DET
fbem-18628	164	57	3d	3d	NUM
fbem-18628	164	58	scanning	scanning	NOUN
fbem-18628	164	59	area	area	NOUN
fbem-18628	164	60	is	be	AUX
fbem-18628	164	61	set	set	VERB
fbem-18628	164	62	up	up	ADP
fbem-18628	164	63	in	in	ADP
fbem-18628	164	64	the	the	DET
fbem-18628	164	65	bank	bank	NOUN
fbem-18628	164	66	,	,	PUNCT
fbem-18628	164	67	which	which	PRON
fbem-18628	164	68	can	can	AUX
fbem-18628	164	69	assist	assist	VERB
fbem-18628	164	70	users	user	NOUN
fbem-18628	164	71	in	in	ADP
fbem-18628	164	72	generating	generate	VERB
fbem-18628	164	73	an	an	DET
fbem-18628	164	74	image	image	NOUN
fbem-18628	164	75	of	of	ADP
fbem-18628	164	76	a	a	DET
fbem-18628	164	77	digital	digital	ADJ
fbem-18628	164	78	person	person	NOUN
fbem-18628	164	79	based	base	VERB
fbem-18628	164	80	on	on	ADP
fbem-18628	164	81	their	their	PRON
fbem-18628	164	82	personal	personal	ADJ
fbem-18628	164	83	data	datum	NOUN
fbem-18628	164	84	.	.	PUNCT
fbem-18628	165	1	3	3	X
fbem-18628	165	2	.	.	NUM
fbem-18628	165	3	extended	extend	VERB
fbem-18628	165	4	reality(xr	reality(xr	ADJ
fbem-18628	165	5	)	)	PUNCT
fbem-18628	165	6	service	service	NOUN
fbem-18628	165	7	design	design	NOUN
fbem-18628	165	8	.	.	PUNCT
fbem-18628	166	1	xr	xr	PROPN
fbem-18628	166	2	service	service	PROPN
fbem-18628	166	3	,	,	PUNCT
fbem-18628	166	4	as	as	ADP
fbem-18628	166	5	a	a	DET
fbem-18628	166	6	future	future	ADJ
fbem-18628	166	7	mode	mode	NOUN
fbem-18628	166	8	of	of	ADP
fbem-18628	166	9	service	service	NOUN
fbem-18628	166	10	provision	provision	NOUN
fbem-18628	166	11	,	,	PUNCT
fbem-18628	166	12	needs	need	VERB
fbem-18628	166	13	to	to	PART
fbem-18628	166	14	achieve	achieve	VERB
fbem-18628	166	15	the	the	DET
fbem-18628	166	16	purpose	purpose	NOUN
fbem-18628	166	17	of	of	ADP
fbem-18628	166	18	allowing	allow	VERB
fbem-18628	166	19	users	user	NOUN
fbem-18628	166	20	to	to	PART
fbem-18628	166	21	experience	experience	VERB
fbem-18628	166	22	the	the	DET
fbem-18628	166	23	design	design	NOUN
fbem-18628	166	24	of	of	ADP
fbem-18628	166	25	services	service	NOUN
fbem-18628	166	26	without	without	ADP
fbem-18628	166	27	leaving	leave	VERB
fbem-18628	166	28	home	home	NOUN
fbem-18628	166	29	.	.	PUNCT
fbem-18628	167	1	at	at	ADP
fbem-18628	167	2	the	the	DET
fbem-18628	167	3	same	same	ADJ
fbem-18628	167	4	time	time	NOUN
fbem-18628	167	5	,	,	PUNCT
fbem-18628	167	6	an	an	DET
fbem-18628	167	7	important	important	ADJ
fbem-18628	167	8	function	function	NOUN
fbem-18628	167	9	of	of	ADP
fbem-18628	167	10	xr	xr	PROPN
fbem-18628	167	11	service	service	PROPN
fbem-18628	167	12	that	that	PRON
fbem-18628	167	13	embodies	embody	VERB
fbem-18628	167	14	humanistic	humanistic	ADJ
fbem-18628	167	15	care	care	NOUN
fbem-18628	167	16	is	be	AUX
fbem-18628	167	17	that	that	SCONJ
fbem-18628	167	18	it	it	PRON
fbem-18628	167	19	allows	allow	VERB
fbem-18628	167	20	children	child	NOUN
fbem-18628	167	21	to	to	PART
fbem-18628	167	22	interact	interact	VERB
fbem-18628	167	23	with	with	ADP
fbem-18628	167	24	their	their	PRON
fbem-18628	167	25	grandparents	grandparent	NOUN
fbem-18628	167	26	in	in	ADP
fbem-18628	167	27	the	the	DET
fbem-18628	167	28	meta	meta	ADJ
fbem-18628	167	29	-	-	PUNCT
fbem-18628	167	30	universe	universe	NOUN
fbem-18628	167	31	when	when	SCONJ
fbem-18628	167	32	they	they	PRON
fbem-18628	167	33	were	be	AUX
fbem-18628	167	34	young	young	ADJ
fbem-18628	167	35	,	,	PUNCT
fbem-18628	167	36	providing	provide	VERB
fbem-18628	167	37	more	more	ADJ
fbem-18628	167	38	possibilities	possibility	NOUN
fbem-18628	167	39	at	at	ADP
fbem-18628	167	40	the	the	DET
fbem-18628	167	41	level	level	NOUN
fbem-18628	167	42	of	of	ADP
fbem-18628	167	43	intergenerational	intergenerational	ADJ
fbem-18628	167	44	inheritance	inheritance	NOUN
fbem-18628	167	45	.	.	PUNCT
fbem-18628	168	1	5.4	5.4	NUM
fbem-18628	168	2	.	.	PUNCT
fbem-18628	168	3	reme	reme	PROPN
fbem-18628	168	4	app	app	PROPN
fbem-18628	168	5	design	design	PROPN
fbem-18628	168	6	and	and	CCONJ
fbem-18628	168	7	design	design	NOUN
fbem-18628	168	8	iteration	iteration	NOUN
fbem-18628	168	9	app	app	NOUN
fbem-18628	168	10	functional	functional	ADJ
fbem-18628	168	11	framework	framework	NOUN
fbem-18628	168	12	design	design	NOUN
fbem-18628	168	13	.	.	PUNCT
fbem-18628	169	1	for	for	ADP
fbem-18628	169	2	the	the	DET
fbem-18628	169	3	youth	youth	NOUN
fbem-18628	169	4	population	population	NOUN
fbem-18628	169	5	at	at	ADP
fbem-18628	169	6	this	this	DET
fbem-18628	169	7	stage	stage	NOUN
fbem-18628	169	8	,	,	PUNCT
fbem-18628	169	9	pension	pension	NOUN
fbem-18628	169	10	services	service	NOUN
fbem-18628	169	11	are	be	AUX
fbem-18628	169	12	not	not	PART
fbem-18628	169	13	their	their	PRON
fbem-18628	169	14	main	main	ADJ
fbem-18628	169	15	need	need	NOUN
fbem-18628	169	16	at	at	ADP
fbem-18628	169	17	this	this	DET
fbem-18628	169	18	stage	stage	NOUN
fbem-18628	169	19	,	,	PUNCT
fbem-18628	169	20	but	but	CCONJ
fbem-18628	169	21	the	the	DET
fbem-18628	169	22	key	key	ADJ
fbem-18628	169	23	services	service	NOUN
fbem-18628	169	24	provided	provide	VERB
fbem-18628	169	25	are	be	AUX
fbem-18628	169	26	the	the	DET
fbem-18628	169	27	planning	planning	NOUN
fbem-18628	169	28	of	of	ADP
fbem-18628	169	29	financial	financial	ADJ
fbem-18628	169	30	pensions	pension	NOUN
fbem-18628	169	31	,	,	PUNCT
fbem-18628	169	32	the	the	DET
fbem-18628	169	33	healthy	healthy	ADJ
fbem-18628	169	34	growth	growth	NOUN
fbem-18628	169	35	of	of	ADP
fbem-18628	169	36	personal	personal	ADJ
fbem-18628	169	37	pensions	pension	NOUN
fbem-18628	169	38	and	and	CCONJ
fbem-18628	169	39	the	the	DET
fbem-18628	169	40	need	need	NOUN
fbem-18628	169	41	for	for	ADP
fbem-18628	169	42	community	community	NOUN
fbem-18628	169	43	building	building	NOUN
fbem-18628	169	44	.	.	PUNCT
fbem-18628	170	1	therefore	therefore	ADV
fbem-18628	170	2	,	,	PUNCT
fbem-18628	170	3	the	the	DET
fbem-18628	170	4	functional	functional	ADJ
fbem-18628	170	5	framework	framework	NOUN
fbem-18628	170	6	of	of	ADP
fbem-18628	170	7	the	the	DET
fbem-18628	170	8	app	app	NOUN
fbem-18628	170	9	was	be	AUX
fbem-18628	170	10	designed	design	VERB
fbem-18628	170	11	based	base	VERB
fbem-18628	170	12	on	on	ADP
fbem-18628	170	13	the	the	DET
fbem-18628	170	14	main	main	ADJ
fbem-18628	170	15	needs	need	NOUN
fbem-18628	170	16	of	of	ADP
fbem-18628	170	17	the	the	DET
fbem-18628	170	18	target	target	NOUN
fbem-18628	170	19	users	user	NOUN
fbem-18628	170	20	at	at	ADP
fbem-18628	170	21	this	this	DET
fbem-18628	170	22	stage	stage	NOUN
fbem-18628	170	23	.	.	PUNCT
fbem-18628	171	1	the	the	DET
fbem-18628	171	2	functional	functional	ADJ
fbem-18628	171	3	framework	framework	NOUN
fbem-18628	171	4	consists	consist	VERB
fbem-18628	171	5	of	of	ADP
fbem-18628	171	6	four	four	NUM
fbem-18628	171	7	main	main	ADJ
fbem-18628	171	8	sections	section	NOUN
fbem-18628	171	9	,	,	PUNCT
fbem-18628	171	10	me	i	PRON
fbem-18628	171	11	,	,	PUNCT
fbem-18628	171	12	pension	pension	NOUN
fbem-18628	171	13	finance	finance	NOUN
fbem-18628	171	14	,	,	PUNCT
fbem-18628	171	15	meta	meta	ADJ
fbem-18628	171	16	universe	universe	PROPN
fbem-18628	171	17	bank	bank	NOUN
fbem-18628	171	18	and	and	CCONJ
fbem-18628	171	19	home	home	NOUN
fbem-18628	171	20	.	.	PUNCT
fbem-18628	172	1	since	since	SCONJ
fbem-18628	172	2	the	the	DET
fbem-18628	172	3	time	time	NOUN
fbem-18628	172	4	capsule	capsule	PROPN
fbem-18628	172	5	function	function	NOUN
fbem-18628	172	6	is	be	AUX
fbem-18628	172	7	not	not	PART
fbem-18628	172	8	a	a	DET
fbem-18628	172	9	major	major	ADJ
fbem-18628	172	10	need	need	NOUN
fbem-18628	172	11	at	at	ADP
fbem-18628	172	12	the	the	DET
fbem-18628	172	13	youth	youth	NOUN
fbem-18628	172	14	stage	stage	NOUN
fbem-18628	172	15	,	,	PUNCT
fbem-18628	172	16	it	it	PRON
fbem-18628	172	17	is	be	AUX
fbem-18628	172	18	attached	attach	VERB
fbem-18628	172	19	to	to	ADP
fbem-18628	172	20	the	the	DET
fbem-18628	172	21	personal	personal	ADJ
fbem-18628	172	22	centre	centre	NOUN
fbem-18628	172	23	section	section	NOUN
fbem-18628	172	24	as	as	ADP
fbem-18628	172	25	an	an	DET
fbem-18628	172	26	additional	additional	ADJ
fbem-18628	172	27	experience	experience	NOUN
fbem-18628	172	28	during	during	ADP
fbem-18628	172	29	the	the	DET
fbem-18628	172	30	user	user	NOUN
fbem-18628	172	31	experience[18	experience[18	PROPN
fbem-18628	172	32	]	]	PUNCT
fbem-18628	172	33	.	.	PUNCT
fbem-18628	173	1	figure	figure	NOUN
fbem-18628	173	2	8	8	NUM
fbem-18628	173	3	.	.	PUNCT
fbem-18628	174	1	app	app	PROPN
fbem-18628	174	2	functional	functional	ADJ
fbem-18628	174	3	framework	framework	NOUN
fbem-18628	174	4	.	.	PUNCT
fbem-18628	175	1	user	user	NOUN
fbem-18628	175	2	flow	flow	NOUN
fbem-18628	175	3	design	design	NOUN
fbem-18628	175	4	.	.	PUNCT
fbem-18628	176	1	by	by	ADP
fbem-18628	176	2	analysing	analyse	VERB
fbem-18628	176	3	the	the	DET
fbem-18628	176	4	functional	functional	ADJ
fbem-18628	176	5	framework	framework	NOUN
fbem-18628	176	6	of	of	ADP
fbem-18628	176	7	the	the	DET
fbem-18628	176	8	app	app	NOUN
fbem-18628	176	9	and	and	CCONJ
fbem-18628	176	10	the	the	DET
fbem-18628	176	11	needs	need	NOUN
fbem-18628	176	12	of	of	ADP
fbem-18628	176	13	users	user	NOUN
fbem-18628	176	14	at	at	ADP
fbem-18628	176	15	different	different	ADJ
fbem-18628	176	16	stages	stage	NOUN
fbem-18628	176	17	,	,	PUNCT
fbem-18628	176	18	the	the	DET
fbem-18628	176	19	user	user	NOUN
fbem-18628	176	20	flow	flow	NOUN
fbem-18628	176	21	at	at	ADP
fbem-18628	176	22	different	different	ADJ
fbem-18628	176	23	stages	stage	NOUN
fbem-18628	176	24	is	be	AUX
fbem-18628	176	25	summarised	summarise	VERB
fbem-18628	176	26	.	.	PUNCT
fbem-18628	177	1	in	in	ADP
fbem-18628	177	2	the	the	DET
fbem-18628	177	3	youth	youth	NOUN
fbem-18628	177	4	stage	stage	NOUN
fbem-18628	177	5	,	,	PUNCT
fbem-18628	177	6	the	the	DET
fbem-18628	177	7	main	main	ADJ
fbem-18628	177	8	user	user	NOUN
fbem-18628	177	9	flow	flow	NOUN
fbem-18628	177	10	is	be	AUX
fbem-18628	177	11	to	to	PART
fbem-18628	177	12	allow	allow	VERB
fbem-18628	177	13	users	user	NOUN
fbem-18628	177	14	to	to	PART
fbem-18628	177	15	enter	enter	VERB
fbem-18628	177	16	the	the	DET
fbem-18628	177	17	service	service	NOUN
fbem-18628	177	18	and	and	CCONJ
fbem-18628	177	19	be	be	AUX
fbem-18628	177	20	able	able	ADJ
fbem-18628	177	21	to	to	PART
fbem-18628	177	22	instantly	instantly	ADV
fbem-18628	177	23	check	check	VERB
fbem-18628	177	24	their	their	PRON
fbem-18628	177	25	pension	pension	NOUN
fbem-18628	177	26	reserves	reserve	NOUN
fbem-18628	177	27	to	to	PART
fbem-18628	177	28	provide	provide	VERB
fbem-18628	177	29	users	user	NOUN
fbem-18628	177	30	with	with	ADP
fbem-18628	177	31	a	a	DET
fbem-18628	177	32	sense	sense	NOUN
fbem-18628	177	33	of	of	ADP
fbem-18628	177	34	security	security	NOUN
fbem-18628	177	35	,	,	PUNCT
fbem-18628	177	36	while	while	SCONJ
fbem-18628	177	37	in	in	ADP
fbem-18628	177	38	the	the	DET
fbem-18628	177	39	stage	stage	NOUN
fbem-18628	177	40	of	of	ADP
fbem-18628	177	41	entering	enter	VERB
fbem-18628	177	42	old	old	ADJ
fbem-18628	177	43	age	age	NOUN
fbem-18628	177	44	,	,	PUNCT
fbem-18628	177	45	the	the	DET
fbem-18628	177	46	main	main	ADJ
fbem-18628	177	47	service	service	NOUN
fbem-18628	177	48	demand	demand	NOUN
fbem-18628	177	49	changes	change	NOUN
fbem-18628	177	50	to	to	PART
fbem-18628	177	51	improve	improve	VERB
fbem-18628	177	52	the	the	DET
fbem-18628	177	53	quality	quality	NOUN
fbem-18628	177	54	of	of	ADP
fbem-18628	177	55	life	life	NOUN
fbem-18628	177	56	of	of	ADP
fbem-18628	177	57	users	user	NOUN
fbem-18628	177	58	and	and	CCONJ
fbem-18628	177	59	provide	provide	VERB
fbem-18628	177	60	users	user	NOUN
fbem-18628	177	61	with	with	ADP
fbem-18628	177	62	more	more	ADV
fbem-18628	177	63	personalised	personalised	ADJ
fbem-18628	177	64	and	and	CCONJ
fbem-18628	177	65	humanised	humanise	VERB
fbem-18628	177	66	pension	pension	NOUN
fbem-18628	177	67	services[19	services[19	NOUN
fbem-18628	177	68	]	]	PUNCT
fbem-18628	177	69	.	.	PUNCT
fbem-18628	178	1	25	25	NUM
fbem-18628	178	2	figure	figure	NOUN
fbem-18628	178	3	9	9	NUM
fbem-18628	178	4	.	.	PUNCT
fbem-18628	178	5	user	user	NOUN
fbem-18628	178	6	flow	flow	PROPN
fbem-18628	178	7	.	.	PUNCT
fbem-18628	179	1	app	app	PROPN
fbem-18628	179	2	prototype	prototype	PROPN
fbem-18628	179	3	design	design	NOUN
fbem-18628	179	4	.	.	PUNCT
fbem-18628	180	1	for	for	ADP
fbem-18628	180	2	the	the	DET
fbem-18628	180	3	app	app	NOUN
fbem-18628	180	4	prototype	prototype	NOUN
fbem-18628	180	5	design	design	NOUN
fbem-18628	180	6	,	,	PUNCT
fbem-18628	180	7	there	there	PRON
fbem-18628	180	8	are	be	VERB
fbem-18628	180	9	various	various	ADJ
fbem-18628	180	10	factors	factor	NOUN
fbem-18628	180	11	to	to	PART
fbem-18628	180	12	consider	consider	VERB
fbem-18628	180	13	,	,	PUNCT
fbem-18628	180	14	such	such	ADJ
fbem-18628	180	15	as	as	ADP
fbem-18628	180	16	simple	simple	ADJ
fbem-18628	180	17	and	and	CCONJ
fbem-18628	180	18	beautiful	beautiful	ADJ
fbem-18628	180	19	visual	visual	ADJ
fbem-18628	180	20	design	design	NOUN
fbem-18628	180	21	,	,	PUNCT
fbem-18628	180	22	smooth	smooth	ADJ
fbem-18628	180	23	interaction	interaction	NOUN
fbem-18628	180	24	process	process	NOUN
fbem-18628	180	25	,	,	PUNCT
fbem-18628	180	26	and	and	CCONJ
fbem-18628	180	27	adding	add	VERB
fbem-18628	180	28	emotional	emotional	ADJ
fbem-18628	180	29	experience	experience	NOUN
fbem-18628	180	30	process	process	NOUN
fbem-18628	180	31	:	:	PUNCT
fbem-18628	180	32	simple	simple	ADJ
fbem-18628	180	33	and	and	CCONJ
fbem-18628	180	34	beautiful	beautiful	ADJ
fbem-18628	180	35	visual	visual	ADJ
fbem-18628	180	36	design	design	NOUN
fbem-18628	180	37	.	.	PUNCT
fbem-18628	181	1	since	since	SCONJ
fbem-18628	181	2	the	the	DET
fbem-18628	181	3	research	research	NOUN
fbem-18628	181	4	object	object	NOUN
fbem-18628	181	5	of	of	ADP
fbem-18628	181	6	this	this	DET
fbem-18628	181	7	project	project	NOUN
fbem-18628	181	8	is	be	AUX
fbem-18628	181	9	not	not	PART
fbem-18628	181	10	the	the	DET
fbem-18628	181	11	traditional	traditional	ADJ
fbem-18628	181	12	pension	pension	NOUN
fbem-18628	181	13	project	project	NOUN
fbem-18628	181	14	's	's	PART
fbem-18628	181	15	old	old	ADJ
fbem-18628	181	16	age	age	NOUN
fbem-18628	181	17	group	group	NOUN
fbem-18628	181	18	but	but	CCONJ
fbem-18628	181	19	the	the	DET
fbem-18628	181	20	contemporary	contemporary	ADJ
fbem-18628	181	21	youth	youth	NOUN
fbem-18628	181	22	group	group	NOUN
fbem-18628	181	23	,	,	PUNCT
fbem-18628	181	24	we	we	PRON
fbem-18628	181	25	designed	design	VERB
fbem-18628	181	26	a	a	DET
fbem-18628	181	27	simpler	simple	ADJ
fbem-18628	181	28	visual	visual	ADJ
fbem-18628	181	29	system	system	NOUN
fbem-18628	181	30	based	base	VERB
fbem-18628	181	31	on	on	ADP
fbem-18628	181	32	their	their	PRON
fbem-18628	181	33	preferences	preference	NOUN
fbem-18628	181	34	.	.	PUNCT
fbem-18628	182	1	considering	consider	VERB
fbem-18628	182	2	the	the	DET
fbem-18628	182	3	bank	bank	NOUN
fbem-18628	182	4	's	's	PART
fbem-18628	182	5	industry	industry	NOUN
fbem-18628	182	6	qualities	quality	NOUN
fbem-18628	182	7	of	of	ADP
fbem-18628	182	8	calm	calm	ADJ
fbem-18628	182	9	restraint	restraint	NOUN
fbem-18628	182	10	and	and	CCONJ
fbem-18628	182	11	trustworthiness	trustworthiness	NOUN
fbem-18628	182	12	,	,	PUNCT
fbem-18628	182	13	we	we	PRON
fbem-18628	182	14	incorporated	incorporate	VERB
fbem-18628	182	15	these	these	DET
fbem-18628	182	16	elements	element	NOUN
fbem-18628	182	17	into	into	ADP
fbem-18628	182	18	the	the	DET
fbem-18628	182	19	visual	visual	ADJ
fbem-18628	182	20	design	design	NOUN
fbem-18628	182	21	.	.	PUNCT
fbem-18628	183	1	the	the	DET
fbem-18628	183	2	main	main	ADJ
fbem-18628	183	3	color	color	NOUN
fbem-18628	183	4	scheme	scheme	NOUN
fbem-18628	183	5	used	use	VERB
fbem-18628	183	6	in	in	ADP
fbem-18628	183	7	this	this	DET
fbem-18628	183	8	design	design	NOUN
fbem-18628	183	9	is	be	AUX
fbem-18628	183	10	blue	blue	ADJ
fbem-18628	183	11	and	and	CCONJ
fbem-18628	183	12	white	white	ADJ
fbem-18628	183	13	,	,	PUNCT
fbem-18628	183	14	and	and	CCONJ
fbem-18628	183	15	the	the	DET
fbem-18628	183	16	entire	entire	ADJ
fbem-18628	183	17	visual	visual	ADJ
fbem-18628	183	18	system	system	NOUN
fbem-18628	183	19	is	be	AUX
fbem-18628	183	20	completed	complete	VERB
fbem-18628	183	21	in	in	ADP
fbem-18628	183	22	a	a	DET
fbem-18628	183	23	light	light	ADJ
fbem-18628	183	24	anthropomorphic	anthropomorphic	ADJ
fbem-18628	183	25	style	style	NOUN
fbem-18628	183	26	.	.	PUNCT
fbem-18628	184	1	figure	figure	NOUN
fbem-18628	184	2	10	10	NUM
fbem-18628	184	3	.	.	PUNCT
fbem-18628	185	1	logo	logo	NOUN
fbem-18628	185	2	design	design	PROPN
fbem-18628	185	3	.	.	PUNCT
fbem-18628	186	1	figure	figure	NOUN
fbem-18628	186	2	11	11	NUM
fbem-18628	186	3	.	.	PUNCT
fbem-18628	187	1	app	app	PROPN
fbem-18628	187	2	high	high	PROPN
fbem-18628	187	3	fidelity	fidelity	PROPN
fbem-18628	187	4	interface	interface	NOUN
fbem-18628	187	5	design	design	NOUN
fbem-18628	187	6	.	.	PUNCT
fbem-18628	188	1	figure	figure	NOUN
fbem-18628	188	2	12	12	NUM
fbem-18628	188	3	.	.	PUNCT
fbem-18628	189	1	pad	pad	NOUN
fbem-18628	189	2	-	-	PUNCT
fbem-18628	189	3	side	side	NOUN
fbem-18628	189	4	interface	interface	NOUN
fbem-18628	189	5	design	design	NOUN
fbem-18628	189	6	.	.	PUNCT
fbem-18628	190	1	smooth	smooth	ADJ
fbem-18628	190	2	interaction	interaction	NOUN
fbem-18628	190	3	process	process	NOUN
fbem-18628	190	4	.	.	PUNCT
fbem-18628	191	1	for	for	ADP
fbem-18628	191	2	app	app	PROPN
fbem-18628	191	3	,	,	PUNCT
fbem-18628	191	4	smooth	smooth	ADJ
fbem-18628	191	5	interaction	interaction	NOUN
fbem-18628	191	6	process	process	NOUN
fbem-18628	191	7	is	be	AUX
fbem-18628	191	8	also	also	ADV
fbem-18628	191	9	one	one	NUM
fbem-18628	191	10	of	of	ADP
fbem-18628	191	11	the	the	DET
fbem-18628	191	12	important	important	ADJ
fbem-18628	191	13	factors	factor	NOUN
fbem-18628	191	14	for	for	SCONJ
fbem-18628	191	15	users	user	NOUN
fbem-18628	191	16	to	to	PART
fbem-18628	191	17	use	use	VERB
fbem-18628	191	18	;	;	PUNCT
fbem-18628	191	19	through	through	ADP
fbem-18628	191	20	the	the	DET
fbem-18628	191	21	research	research	NOUN
fbem-18628	191	22	of	of	ADP
fbem-18628	191	23	target	target	NOUN
fbem-18628	191	24	users	user	NOUN
fbem-18628	191	25	,	,	PUNCT
fbem-18628	191	26	in	in	ADP
fbem-18628	191	27	-	-	PUNCT
fbem-18628	191	28	depth	depth	NOUN
fbem-18628	191	29	understanding	understanding	NOUN
fbem-18628	191	30	of	of	ADP
fbem-18628	191	31	user	user	NOUN
fbem-18628	191	32	needs	need	NOUN
fbem-18628	191	33	,	,	PUNCT
fbem-18628	191	34	and	and	CCONJ
fbem-18628	191	35	at	at	ADP
fbem-18628	191	36	the	the	DET
fbem-18628	191	37	same	same	ADJ
fbem-18628	191	38	time	time	NOUN
fbem-18628	191	39	,	,	PUNCT
fbem-18628	191	40	through	through	ADP
fbem-18628	191	41	the	the	DET
fbem-18628	191	42	bubbles	bubble	NOUN
fbem-18628	191	43	,	,	PUNCT
fbem-18628	191	44	buttons	button	NOUN
fbem-18628	191	45	of	of	ADP
fbem-18628	191	46	different	different	ADJ
fbem-18628	191	47	colors	color	NOUN
fbem-18628	191	48	and	and	CCONJ
fbem-18628	191	49	forms	form	NOUN
fbem-18628	191	50	of	of	ADP
fbem-18628	191	51	change	change	NOUN
fbem-18628	191	52	,	,	PUNCT
fbem-18628	191	53	instant	instant	ADJ
fbem-18628	191	54	feedback	feedback	NOUN
fbem-18628	191	55	page	page	NOUN
fbem-18628	191	56	,	,	PUNCT
fbem-18628	191	57	animation	animation	NOUN
fbem-18628	191	58	,	,	PUNCT
fbem-18628	191	59	etc	etc	X
fbem-18628	191	60	.	.	X
fbem-18628	191	61	,	,	PUNCT
fbem-18628	191	62	so	so	SCONJ
fbem-18628	191	63	that	that	SCONJ
fbem-18628	191	64	the	the	DET
fbem-18628	191	65	user	user	NOUN
fbem-18628	191	66	is	be	AUX
fbem-18628	191	67	more	more	ADV
fbem-18628	191	68	clearly	clearly	ADV
fbem-18628	191	69	aware	aware	ADJ
fbem-18628	191	70	of	of	ADP
fbem-18628	191	71	their	their	PRON
fbem-18628	191	72	own	own	ADJ
fbem-18628	191	73	interaction	interaction	NOUN
fbem-18628	191	74	state	state	NOUN
fbem-18628	191	75	.	.	PUNCT
fbem-18628	192	1	figure	figure	NOUN
fbem-18628	192	2	13	13	NUM
fbem-18628	192	3	.	.	PUNCT
fbem-18628	193	1	interaction	interaction	NOUN
fbem-18628	193	2	process	process	NOUN
fbem-18628	193	3	of	of	ADP
fbem-18628	193	4	virtual	virtual	ADJ
fbem-18628	193	5	digital	digital	ADJ
fbem-18628	193	6	person	person	NOUN
fbem-18628	193	7	image	image	NOUN
fbem-18628	193	8	setting	set	VERB
fbem-18628	193	9	app	app	NOUN
fbem-18628	193	10	.	.	PUNCT
fbem-18628	194	1	emotional	emotional	ADJ
fbem-18628	194	2	experience	experience	NOUN
fbem-18628	194	3	process	process	NOUN
fbem-18628	194	4	.	.	PUNCT
fbem-18628	195	1	provide	provide	VERB
fbem-18628	195	2	motivation	motivation	NOUN
fbem-18628	195	3	to	to	PART
fbem-18628	195	4	maintain	maintain	VERB
fbem-18628	195	5	user	user	NOUN
fbem-18628	195	6	adhesion	adhesion	NOUN
fbem-18628	195	7	.	.	PUNCT
fbem-18628	196	1	the	the	DET
fbem-18628	196	2	design	design	NOUN
fbem-18628	196	3	will	will	AUX
fbem-18628	196	4	simulate	simulate	VERB
fbem-18628	196	5	the	the	DET
fbem-18628	196	6	process	process	NOUN
fbem-18628	196	7	of	of	ADP
fbem-18628	196	8	sealing	seal	VERB
fbem-18628	196	9	and	and	CCONJ
fbem-18628	196	10	removing	remove	VERB
fbem-18628	196	11	the	the	DET
fbem-18628	196	12	files	file	NOUN
fbem-18628	196	13	,	,	PUNCT
fbem-18628	196	14	so	so	SCONJ
fbem-18628	196	15	that	that	SCONJ
fbem-18628	196	16	users	user	NOUN
fbem-18628	196	17	who	who	PRON
fbem-18628	196	18	view	view	VERB
fbem-18628	196	19	the	the	DET
fbem-18628	196	20	time	time	NOUN
fbem-18628	196	21	capsule	capsule	PROPN
fbem-18628	196	22	together	together	ADV
fbem-18628	196	23	press	press	VERB
fbem-18628	196	24	the	the	DET
fbem-18628	196	25	handprint	handprint	NOUN
fbem-18628	196	26	,	,	PUNCT
fbem-18628	196	27	from	from	ADP
fbem-18628	196	28	the	the	DET
fbem-18628	196	29	user	user	NOUN
fbem-18628	196	30	's	's	PART
fbem-18628	196	31	psychological	psychological	ADJ
fbem-18628	196	32	point	point	NOUN
fbem-18628	196	33	of	of	ADP
fbem-18628	196	34	view	view	NOUN
fbem-18628	196	35	,	,	PUNCT
fbem-18628	196	36	when	when	SCONJ
fbem-18628	196	37	the	the	DET
fbem-18628	196	38	user	user	NOUN
fbem-18628	196	39	produces	produce	VERB
fbem-18628	196	40	a	a	DET
fbem-18628	196	41	sense	sense	NOUN
fbem-18628	196	42	of	of	ADP
fbem-18628	196	43	remembrance	remembrance	NOUN
fbem-18628	196	44	and	and	CCONJ
fbem-18628	196	45	a	a	DET
fbem-18628	196	46	sense	sense	NOUN
fbem-18628	196	47	of	of	ADP
fbem-18628	196	48	immersion	immersion	NOUN
fbem-18628	196	49	will	will	AUX
fbem-18628	196	50	lead	lead	VERB
fbem-18628	196	51	to	to	ADP
fbem-18628	196	52	an	an	DET
fbem-18628	196	53	increase	increase	NOUN
fbem-18628	196	54	in	in	ADP
fbem-18628	196	55	the	the	DET
fbem-18628	196	56	user	user	NOUN
fbem-18628	196	57	's	's	PART
fbem-18628	196	58	adhesion	adhesion	NOUN
fbem-18628	196	59	,	,	PUNCT
fbem-18628	196	60	thus	thus	ADV
fbem-18628	196	61	driving	drive	VERB
fbem-18628	196	62	the	the	DET
fbem-18628	196	63	user	user	NOUN
fbem-18628	196	64	's	's	PART
fbem-18628	196	65	26	26	NUM
fbem-18628	196	66	motivation	motivation	NOUN
fbem-18628	196	67	to	to	PART
fbem-18628	196	68	use	use	VERB
fbem-18628	196	69	.	.	PUNCT
fbem-18628	197	1	leads	lead	VERB
fbem-18628	197	2	to	to	ADP
fbem-18628	197	3	the	the	DET
fbem-18628	197	4	combination	combination	NOUN
fbem-18628	197	5	of	of	ADP
fbem-18628	197	6	real	real	ADJ
fbem-18628	197	7	-	-	PUNCT
fbem-18628	197	8	life	life	NOUN
fbem-18628	197	9	experience	experience	NOUN
fbem-18628	197	10	,	,	PUNCT
fbem-18628	197	11	so	so	SCONJ
fbem-18628	197	12	that	that	SCONJ
fbem-18628	197	13	users	user	NOUN
fbem-18628	197	14	have	have	VERB
fbem-18628	197	15	a	a	DET
fbem-18628	197	16	continuous	continuous	ADJ
fbem-18628	197	17	emotional	emotional	ADJ
fbem-18628	197	18	experience[20	experience[20	NOUN
fbem-18628	197	19	]	]	PUNCT
fbem-18628	197	20	.	.	PUNCT
fbem-18628	198	1	figure	figure	NOUN
fbem-18628	198	2	14	14	NUM
fbem-18628	199	1	.	.	PUNCT
fbem-18628	199	2	time	time	PROPN
fbem-18628	199	3	capsule	capsule	PROPN
fbem-18628	199	4	experience	experience	PROPN
fbem-18628	199	5	interface	interface	NOUN
fbem-18628	199	6	for	for	ADP
fbem-18628	199	7	users	user	NOUN
fbem-18628	199	8	to	to	PART
fbem-18628	199	9	store	store	VERB
fbem-18628	199	10	their	their	PRON
fbem-18628	199	11	life	life	NOUN
fbem-18628	199	12	experiences	experience	NOUN
fbem-18628	199	13	in	in	ADP
fbem-18628	199	14	the	the	DET
fbem-18628	199	15	app	app	NOUN
fbem-18628	199	16	.	.	PROPN
fbem-18628	200	1	5.5	5.5	NUM
fbem-18628	200	2	.	.	PUNCT
fbem-18628	200	3	user	user	NOUN
fbem-18628	200	4	testing	testing	NOUN
fbem-18628	200	5	and	and	CCONJ
fbem-18628	200	6	feedback	feedback	VERB
fbem-18628	200	7	to	to	PART
fbem-18628	200	8	comprehensively	comprehensively	ADV
fbem-18628	200	9	understand	understand	VERB
fbem-18628	200	10	user	user	NOUN
fbem-18628	200	11	needs	need	NOUN
fbem-18628	200	12	,	,	PUNCT
fbem-18628	200	13	we	we	PRON
fbem-18628	200	14	conducted	conduct	VERB
fbem-18628	200	15	a	a	DET
fbem-18628	200	16	detailed	detailed	ADJ
fbem-18628	200	17	characterization	characterization	NOUN
fbem-18628	200	18	of	of	ADP
fbem-18628	200	19	the	the	DET
fbem-18628	200	20	target	target	NOUN
fbem-18628	200	21	user	user	NOUN
fbem-18628	200	22	group	group	NOUN
fbem-18628	200	23	.	.	PUNCT
fbem-18628	201	1	the	the	DET
fbem-18628	201	2	main	main	ADJ
fbem-18628	201	3	users	user	NOUN
fbem-18628	201	4	are	be	AUX
fbem-18628	201	5	aged	age	VERB
fbem-18628	201	6	22	22	NUM
fbem-18628	201	7	to	to	PART
fbem-18628	201	8	35	35	NUM
fbem-18628	201	9	years	year	NOUN
fbem-18628	201	10	old	old	ADJ
fbem-18628	201	11	,	,	PUNCT
fbem-18628	201	12	with	with	ADP
fbem-18628	201	13	young	young	ADJ
fbem-18628	201	14	people	people	NOUN
fbem-18628	201	15	in	in	ADP
fbem-18628	201	16	this	this	DET
fbem-18628	201	17	age	age	NOUN
fbem-18628	201	18	range	range	NOUN
fbem-18628	201	19	as	as	ADP
fbem-18628	201	20	the	the	DET
fbem-18628	201	21	primary	primary	ADJ
fbem-18628	201	22	group	group	NOUN
fbem-18628	201	23	.	.	PUNCT
fbem-18628	202	1	test	test	NOUN
fbem-18628	202	2	users	user	NOUN
fbem-18628	202	3	come	come	VERB
fbem-18628	202	4	from	from	ADP
fbem-18628	202	5	various	various	ADJ
fbem-18628	202	6	occupations	occupation	NOUN
fbem-18628	202	7	,	,	PUNCT
fbem-18628	202	8	including	include	VERB
fbem-18628	202	9	employees	employee	NOUN
fbem-18628	202	10	of	of	ADP
fbem-18628	202	11	enterprises	enterprise	NOUN
fbem-18628	202	12	and	and	CCONJ
fbem-18628	202	13	public	public	ADJ
fbem-18628	202	14	institutions	institution	NOUN
fbem-18628	202	15	,	,	PUNCT
fbem-18628	202	16	freelancers	freelancer	NOUN
fbem-18628	202	17	,	,	PUNCT
fbem-18628	202	18	etc	etc	X
fbem-18628	202	19	.	.	X
fbem-18628	203	1	they	they	PRON
fbem-18628	203	2	have	have	VERB
fbem-18628	203	3	middle	middle	ADJ
fbem-18628	203	4	to	to	ADP
fbem-18628	203	5	high	high	ADJ
fbem-18628	203	6	incomes	income	NOUN
fbem-18628	203	7	,	,	PUNCT
fbem-18628	203	8	with	with	ADP
fbem-18628	203	9	monthly	monthly	ADJ
fbem-18628	203	10	earnings	earning	NOUN
fbem-18628	203	11	between	between	ADP
fbem-18628	203	12	5,000	5,000	NUM
fbem-18628	203	13	and	and	CCONJ
fbem-18628	203	14	20,000	20,000	NUM
fbem-18628	203	15	rmb	rmb	NOUN
fbem-18628	203	16	.	.	PUNCT
fbem-18628	204	1	most	most	ADJ
fbem-18628	204	2	have	have	VERB
fbem-18628	204	3	a	a	DET
fbem-18628	204	4	bachelor	bachelor	NOUN
fbem-18628	204	5	's	's	PART
fbem-18628	204	6	degree	degree	NOUN
fbem-18628	204	7	or	or	CCONJ
fbem-18628	204	8	higher	high	ADJ
fbem-18628	204	9	education	education	NOUN
fbem-18628	204	10	,	,	PUNCT
fbem-18628	204	11	and	and	CCONJ
fbem-18628	204	12	some	some	PRON
fbem-18628	204	13	possess	possess	VERB
fbem-18628	204	14	advanced	advanced	ADJ
fbem-18628	204	15	professional	professional	ADJ
fbem-18628	204	16	backgrounds	background	NOUN
fbem-18628	204	17	.	.	PUNCT
fbem-18628	205	1	after	after	ADP
fbem-18628	205	2	completing	complete	VERB
fbem-18628	205	3	the	the	DET
fbem-18628	205	4	design	design	NOUN
fbem-18628	205	5	scheme	scheme	NOUN
fbem-18628	205	6	,	,	PUNCT
fbem-18628	205	7	a	a	DET
fbem-18628	205	8	user	user	NOUN
fbem-18628	205	9	app	app	NOUN
fbem-18628	205	10	interaction	interaction	NOUN
fbem-18628	205	11	evaluation	evaluation	NOUN
fbem-18628	205	12	test	test	NOUN
fbem-18628	205	13	was	be	AUX
fbem-18628	205	14	conducted	conduct	VERB
fbem-18628	205	15	to	to	PART
fbem-18628	205	16	assess	assess	VERB
fbem-18628	205	17	user	user	NOUN
fbem-18628	205	18	acceptance	acceptance	NOUN
fbem-18628	205	19	and	and	CCONJ
fbem-18628	205	20	satisfaction	satisfaction	NOUN
fbem-18628	205	21	.	.	PUNCT
fbem-18628	206	1	five	five	NUM
fbem-18628	206	2	users	user	NOUN
fbem-18628	206	3	were	be	AUX
fbem-18628	206	4	tested	test	VERB
fbem-18628	206	5	for	for	ADP
fbem-18628	206	6	one	one	NUM
fbem-18628	206	7	hour	hour	NOUN
fbem-18628	206	8	each	each	PRON
fbem-18628	206	9	,	,	PUNCT
fbem-18628	206	10	with	with	ADP
fbem-18628	206	11	an	an	DET
fbem-18628	206	12	interactable	interactable	ADJ
fbem-18628	206	13	prototype	prototype	NOUN
fbem-18628	206	14	tested	test	VERB
fbem-18628	206	15	in	in	ADP
fbem-18628	206	16	a	a	DET
fbem-18628	206	17	non	non	ADJ
fbem-18628	206	18	-	-	ADJ
fbem-18628	206	19	interventionist	interventionist	ADJ
fbem-18628	206	20	manner	manner	NOUN
fbem-18628	206	21	in	in	ADP
fbem-18628	206	22	the	the	DET
fbem-18628	206	23	same	same	ADJ
fbem-18628	206	24	space	space	NOUN
fbem-18628	206	25	.	.	PUNCT
fbem-18628	207	1	three	three	NUM
fbem-18628	207	2	typical	typical	ADJ
fbem-18628	207	3	tasks	task	NOUN
fbem-18628	207	4	were	be	AUX
fbem-18628	207	5	given	give	VERB
fbem-18628	207	6	:	:	PUNCT
fbem-18628	207	7	checking	check	VERB
fbem-18628	207	8	personal	personal	ADJ
fbem-18628	207	9	retirement	retirement	NOUN
fbem-18628	207	10	wealth	wealth	NOUN
fbem-18628	207	11	,	,	PUNCT
fbem-18628	207	12	consulting	consult	VERB
fbem-18628	207	13	a	a	DET
fbem-18628	207	14	virtual	virtual	ADJ
fbem-18628	207	15	digital	digital	ADJ
fbem-18628	207	16	person	person	NOUN
fbem-18628	207	17	financial	financial	ADJ
fbem-18628	207	18	advisor	advisor	NOUN
fbem-18628	207	19	,	,	PUNCT
fbem-18628	207	20	and	and	CCONJ
fbem-18628	207	21	virtual	virtual	ADJ
fbem-18628	207	22	banking	banking	NOUN
fbem-18628	207	23	for	for	ADP
fbem-18628	207	24	business	business	NOUN
fbem-18628	207	25	.	.	PUNCT
fbem-18628	208	1	observations	observation	NOUN
fbem-18628	208	2	were	be	AUX
fbem-18628	208	3	made	make	VERB
fbem-18628	208	4	of	of	ADP
fbem-18628	208	5	user	user	NOUN
fbem-18628	208	6	interactions	interaction	NOUN
fbem-18628	208	7	,	,	PUNCT
fbem-18628	208	8	problems	problem	NOUN
fbem-18628	208	9	and	and	CCONJ
fbem-18628	208	10	suggestions	suggestion	NOUN
fbem-18628	208	11	were	be	AUX
fbem-18628	208	12	recorded	record	VERB
fbem-18628	208	13	,	,	PUNCT
fbem-18628	208	14	and	and	CCONJ
fbem-18628	208	15	users	user	NOUN
fbem-18628	208	16	rated	rate	VERB
fbem-18628	208	17	tasks	task	NOUN
fbem-18628	208	18	on	on	ADP
fbem-18628	208	19	a	a	DET
fbem-18628	208	20	fivepoint	fivepoint	NOUN
fbem-18628	208	21	scale	scale	NOUN
fbem-18628	208	22	for	for	ADP
fbem-18628	208	23	improvement	improvement	NOUN
fbem-18628	208	24	in	in	ADP
fbem-18628	208	25	future	future	ADJ
fbem-18628	208	26	updates	update	NOUN
fbem-18628	208	27	.	.	PUNCT
fbem-18628	209	1	during	during	ADP
fbem-18628	209	2	user	user	NOUN
fbem-18628	209	3	testing	testing	NOUN
fbem-18628	209	4	,	,	PUNCT
fbem-18628	209	5	it	it	PRON
fbem-18628	209	6	was	be	AUX
fbem-18628	209	7	found	find	VERB
fbem-18628	209	8	that	that	SCONJ
fbem-18628	209	9	some	some	DET
fbem-18628	209	10	typical	typical	ADJ
fbem-18628	209	11	tasks	task	NOUN
fbem-18628	209	12	could	could	AUX
fbem-18628	209	13	be	be	AUX
fbem-18628	209	14	completed	complete	VERB
fbem-18628	209	15	smoothly	smoothly	ADV
fbem-18628	209	16	during	during	ADP
fbem-18628	209	17	user	user	NOUN
fbem-18628	209	18	interaction	interaction	NOUN
fbem-18628	209	19	,	,	PUNCT
fbem-18628	209	20	with	with	ADP
fbem-18628	209	21	an	an	DET
fbem-18628	209	22	intuitive	intuitive	ADJ
fbem-18628	209	23	and	and	CCONJ
fbem-18628	209	24	easy	easy	ADJ
fbem-18628	209	25	-	-	PUNCT
fbem-18628	209	26	to	to	PART
fbem-18628	209	27	-	-	PUNCT
fbem-18628	209	28	understand	understand	VERB
fbem-18628	209	29	interface	interface	NOUN
fbem-18628	209	30	design	design	NOUN
fbem-18628	209	31	and	and	CCONJ
fbem-18628	209	32	fast	fast	ADJ
fbem-18628	209	33	response	response	NOUN
fbem-18628	209	34	speed	speed	NOUN
fbem-18628	209	35	.	.	PUNCT
fbem-18628	210	1	however	however	ADV
fbem-18628	210	2	,	,	PUNCT
fbem-18628	210	3	initial	initial	ADJ
fbem-18628	210	4	operating	operating	NOUN
fbem-18628	210	5	instructions	instruction	NOUN
fbem-18628	210	6	were	be	AUX
fbem-18628	210	7	inadequate	inadequate	ADJ
fbem-18628	210	8	during	during	ADP
fbem-18628	210	9	virtual	virtual	ADJ
fbem-18628	210	10	banking	banking	NOUN
fbem-18628	210	11	,	,	PUNCT
fbem-18628	210	12	leading	lead	VERB
fbem-18628	210	13	to	to	ADP
fbem-18628	210	14	a	a	DET
fbem-18628	210	15	trial	trial	NOUN
fbem-18628	210	16	process	process	NOUN
fbem-18628	210	17	for	for	ADP
fbem-18628	210	18	users	user	NOUN
fbem-18628	210	19	.	.	PUNCT
fbem-18628	211	1	most	most	ADJ
fbem-18628	211	2	users	user	NOUN
fbem-18628	211	3	were	be	AUX
fbem-18628	211	4	satisfied	satisfied	ADJ
fbem-18628	211	5	with	with	ADP
fbem-18628	211	6	the	the	DET
fbem-18628	211	7	interface	interface	NOUN
fbem-18628	211	8	design	design	NOUN
fbem-18628	211	9	,	,	PUNCT
fbem-18628	211	10	but	but	CCONJ
fbem-18628	211	11	some	some	PRON
fbem-18628	211	12	thought	think	VERB
fbem-18628	211	13	the	the	DET
fbem-18628	211	14	functional	functional	ADJ
fbem-18628	211	15	layout	layout	NOUN
fbem-18628	211	16	of	of	ADP
fbem-18628	211	17	some	some	DET
fbem-18628	211	18	pages	page	NOUN
fbem-18628	211	19	could	could	AUX
fbem-18628	211	20	be	be	AUX
fbem-18628	211	21	more	more	ADV
fbem-18628	211	22	compact	compact	ADJ
fbem-18628	211	23	.	.	PUNCT
fbem-18628	212	1	based	base	VERB
fbem-18628	212	2	on	on	ADP
fbem-18628	212	3	this	this	DET
fbem-18628	212	4	feedback	feedback	NOUN
fbem-18628	212	5	,	,	PUNCT
fbem-18628	212	6	improvements	improvement	NOUN
fbem-18628	212	7	will	will	AUX
fbem-18628	212	8	be	be	AUX
fbem-18628	212	9	made	make	VERB
fbem-18628	212	10	in	in	ADP
fbem-18628	212	11	subsequent	subsequent	ADJ
fbem-18628	212	12	version	version	NOUN
fbem-18628	212	13	updates	update	NOUN
fbem-18628	212	14	:	:	PUNCT
fbem-18628	212	15	optimizing	optimize	VERB
fbem-18628	212	16	interface	interface	NOUN
fbem-18628	212	17	layout	layout	NOUN
fbem-18628	212	18	for	for	ADP
fbem-18628	212	19	better	well	ADJ
fbem-18628	212	20	space	space	NOUN
fbem-18628	212	21	utilization	utilization	NOUN
fbem-18628	212	22	and	and	CCONJ
fbem-18628	212	23	adding	add	VERB
fbem-18628	212	24	more	more	ADJ
fbem-18628	212	25	hints	hint	NOUN
fbem-18628	212	26	and	and	CCONJ
fbem-18628	212	27	guidelines	guideline	NOUN
fbem-18628	212	28	in	in	ADP
fbem-18628	212	29	complex	complex	ADJ
fbem-18628	212	30	operations	operation	NOUN
fbem-18628	212	31	to	to	PART
fbem-18628	212	32	enhance	enhance	VERB
fbem-18628	212	33	user	user	NOUN
fbem-18628	212	34	experience	experience	NOUN
fbem-18628	212	35	.	.	PUNCT
fbem-18628	213	1	overall	overall	ADV
fbem-18628	213	2	,	,	PUNCT
fbem-18628	213	3	this	this	DET
fbem-18628	213	4	user	user	NOUN
fbem-18628	213	5	interaction	interaction	NOUN
fbem-18628	213	6	evaluation	evaluation	NOUN
fbem-18628	213	7	test	test	NOUN
fbem-18628	213	8	has	have	AUX
fbem-18628	213	9	given	give	VERB
fbem-18628	213	10	us	we	PRON
fbem-18628	213	11	a	a	DET
fbem-18628	213	12	deeper	deep	ADJ
fbem-18628	213	13	understanding	understanding	NOUN
fbem-18628	213	14	of	of	ADP
fbem-18628	213	15	our	our	PRON
fbem-18628	213	16	design	design	NOUN
fbem-18628	213	17	solutions	solution	NOUN
fbem-18628	213	18	and	and	CCONJ
fbem-18628	213	19	provided	provide	VERB
fbem-18628	213	20	us	we	PRON
fbem-18628	213	21	with	with	ADP
fbem-18628	213	22	valuable	valuable	ADJ
fbem-18628	213	23	directions	direction	NOUN
fbem-18628	213	24	for	for	ADP
fbem-18628	213	25	improvement	improvement	NOUN
fbem-18628	213	26	.	.	PUNCT
fbem-18628	214	1	we	we	PRON
fbem-18628	214	2	will	will	AUX
fbem-18628	214	3	actively	actively	ADV
fbem-18628	214	4	take	take	VERB
fbem-18628	214	5	on	on	ADP
fbem-18628	214	6	board	board	NOUN
fbem-18628	214	7	users	user	NOUN
fbem-18628	214	8	'	'	PART
fbem-18628	214	9	suggestions	suggestion	NOUN
fbem-18628	214	10	and	and	CCONJ
fbem-18628	214	11	continuously	continuously	ADV
fbem-18628	214	12	optimise	optimise	VERB
fbem-18628	214	13	our	our	PRON
fbem-18628	214	14	application	application	NOUN
fbem-18628	214	15	to	to	PART
fbem-18628	214	16	meet	meet	VERB
fbem-18628	214	17	users	user	NOUN
fbem-18628	214	18	'	'	PART
fbem-18628	214	19	needs	need	NOUN
fbem-18628	214	20	.	.	PUNCT
fbem-18628	215	1	based	base	VERB
fbem-18628	215	2	on	on	ADP
fbem-18628	215	3	user	user	NOUN
fbem-18628	215	4	feedback	feedback	NOUN
fbem-18628	215	5	,	,	PUNCT
fbem-18628	215	6	reme	reme	NOUN
fbem-18628	215	7	is	be	AUX
fbem-18628	215	8	optimized	optimize	VERB
fbem-18628	215	9	.	.	PUNCT
fbem-18628	216	1	this	this	PRON
fbem-18628	216	2	may	may	AUX
fbem-18628	216	3	include	include	VERB
fbem-18628	216	4	optimizing	optimize	VERB
fbem-18628	216	5	interface	interface	NOUN
fbem-18628	216	6	design	design	NOUN
fbem-18628	216	7	and	and	CCONJ
fbem-18628	216	8	user	user	NOUN
fbem-18628	216	9	experience	experience	NOUN
fbem-18628	216	10	based	base	VERB
fbem-18628	216	11	on	on	ADP
fbem-18628	216	12	preferences	preference	NOUN
fbem-18628	216	13	and	and	CCONJ
fbem-18628	216	14	habits	habit	NOUN
fbem-18628	216	15	,	,	PUNCT
fbem-18628	216	16	simplifying	simplify	VERB
fbem-18628	216	17	the	the	DET
fbem-18628	216	18	operation	operation	NOUN
fbem-18628	216	19	process	process	NOUN
fbem-18628	216	20	for	for	ADP
fbem-18628	216	21	a	a	DET
fbem-18628	216	22	more	more	ADV
fbem-18628	216	23	intuitive	intuitive	ADJ
fbem-18628	216	24	and	and	CCONJ
fbem-18628	216	25	easy	easy	ADJ
fbem-18628	216	26	-	-	PUNCT
fbem-18628	216	27	to	to	PART
fbem-18628	216	28	-	-	PUNCT
fbem-18628	216	29	use	use	VERB
fbem-18628	216	30	app	app	NOUN
fbem-18628	216	31	.	.	PUNCT
fbem-18628	217	1	we	we	PRON
fbem-18628	217	2	will	will	AUX
fbem-18628	217	3	also	also	ADV
fbem-18628	217	4	add	add	VERB
fbem-18628	217	5	social	social	ADJ
fbem-18628	217	6	features	feature	NOUN
fbem-18628	217	7	to	to	PART
fbem-18628	217	8	meet	meet	VERB
fbem-18628	217	9	young	young	ADJ
fbem-18628	217	10	people	people	NOUN
fbem-18628	217	11	's	's	PART
fbem-18628	217	12	needs	need	NOUN
fbem-18628	217	13	for	for	ADP
fbem-18628	217	14	like	like	ADV
fbem-18628	217	15	-	-	PUNCT
fbem-18628	217	16	minded	minded	ADJ
fbem-18628	217	17	connections	connection	NOUN
fbem-18628	217	18	while	while	SCONJ
fbem-18628	217	19	preparing	prepare	VERB
fbem-18628	217	20	for	for	ADP
fbem-18628	217	21	financial	financial	ADJ
fbem-18628	217	22	retirement	retirement	NOUN
fbem-18628	217	23	,	,	PUNCT
fbem-18628	217	24	and	and	CCONJ
fbem-18628	217	25	increase	increase	VERB
fbem-18628	217	26	the	the	DET
fbem-18628	217	27	feature	feature	NOUN
fbem-18628	217	28	richness	richness	NOUN
fbem-18628	217	29	of	of	ADP
fbem-18628	217	30	the	the	DET
fbem-18628	217	31	financial	financial	ADJ
fbem-18628	217	32	savings	saving	NOUN
fbem-18628	217	33	section	section	NOUN
fbem-18628	217	34	with	with	ADP
fbem-18628	217	35	tools	tool	NOUN
fbem-18628	217	36	like	like	ADP
fbem-18628	217	37	loan	loan	NOUN
fbem-18628	217	38	calculators	calculator	NOUN
fbem-18628	217	39	and	and	CCONJ
fbem-18628	217	40	financial	financial	ADJ
fbem-18628	217	41	planning	planning	NOUN
fbem-18628	217	42	.	.	PUNCT
fbem-18628	218	1	to	to	PART
fbem-18628	218	2	protect	protect	VERB
fbem-18628	218	3	user	user	NOUN
fbem-18628	218	4	privacy	privacy	NOUN
fbem-18628	218	5	and	and	CCONJ
fbem-18628	218	6	financial	financial	ADJ
fbem-18628	218	7	security	security	NOUN
fbem-18628	218	8	,	,	PUNCT
fbem-18628	218	9	we	we	PRON
fbem-18628	218	10	will	will	AUX
fbem-18628	218	11	enhance	enhance	VERB
fbem-18628	218	12	security	security	NOUN
fbem-18628	218	13	measures	measure	NOUN
fbem-18628	218	14	such	such	ADJ
fbem-18628	218	15	as	as	ADP
fbem-18628	218	16	adding	add	VERB
fbem-18628	218	17	a	a	DET
fbem-18628	218	18	virtual	virtual	ADJ
fbem-18628	218	19	digital	digital	ADJ
fbem-18628	218	20	person	person	NOUN
fbem-18628	218	21	data	data	VERB
fbem-18628	218	22	privacy	privacy	NOUN
fbem-18628	218	23	agreement	agreement	NOUN
fbem-18628	218	24	and	and	CCONJ
fbem-18628	218	25	using	use	VERB
fbem-18628	218	26	encryption	encryption	NOUN
fbem-18628	218	27	technology	technology	NOUN
fbem-18628	218	28	and	and	CCONJ
fbem-18628	218	29	double	double	ADJ
fbem-18628	218	30	authentication	authentication	NOUN
fbem-18628	218	31	.	.	PUNCT
fbem-18628	219	1	6	6	NUM
fbem-18628	219	2	.	.	X
fbem-18628	219	3	discussion	discussion	NOUN
fbem-18628	219	4	6.1	6.1	NUM
fbem-18628	219	5	.	.	PUNCT
fbem-18628	220	1	innovation	innovation	NOUN
fbem-18628	220	2	points	point	NOUN
fbem-18628	220	3	establishing	establish	VERB
fbem-18628	220	4	a	a	DET
fbem-18628	220	5	long	long	ADJ
fbem-18628	220	6	-	-	PUNCT
fbem-18628	220	7	cycle	cycle	NOUN
fbem-18628	220	8	pension	pension	NOUN
fbem-18628	220	9	service	service	NOUN
fbem-18628	220	10	system	system	NOUN
fbem-18628	220	11	.	.	PUNCT
fbem-18628	221	1	longcycle	longcycle	PROPN
fbem-18628	221	2	financial	financial	ADJ
fbem-18628	221	3	elderly	elderly	ADJ
fbem-18628	221	4	care	care	NOUN
fbem-18628	221	5	services	service	NOUN
fbem-18628	221	6	are	be	AUX
fbem-18628	221	7	key	key	ADJ
fbem-18628	221	8	to	to	ADP
fbem-18628	221	9	realizing	realize	VERB
fbem-18628	221	10	wealth	wealth	NOUN
fbem-18628	221	11	inheritance	inheritance	NOUN
fbem-18628	221	12	and	and	CCONJ
fbem-18628	221	13	pension	pension	NOUN
fbem-18628	221	14	plans	plan	NOUN
fbem-18628	221	15	for	for	ADP
fbem-18628	221	16	young	young	ADJ
fbem-18628	221	17	group	group	NOUN
fbem-18628	221	18	.	.	PUNCT
fbem-18628	222	1	when	when	SCONJ
fbem-18628	222	2	designing	design	VERB
fbem-18628	222	3	financial	financial	ADJ
fbem-18628	222	4	pension	pension	NOUN
fbem-18628	222	5	services	service	NOUN
fbem-18628	222	6	,	,	PUNCT
fbem-18628	222	7	different	different	ADJ
fbem-18628	222	8	investment	investment	NOUN
fbem-18628	222	9	portfolios	portfolio	NOUN
fbem-18628	222	10	and	and	CCONJ
fbem-18628	222	11	pension	pension	NOUN
fbem-18628	222	12	schemes	scheme	NOUN
fbem-18628	222	13	need	need	VERB
fbem-18628	222	14	to	to	PART
fbem-18628	222	15	be	be	AUX
fbem-18628	222	16	considered	consider	VERB
fbem-18628	222	17	to	to	PART
fbem-18628	222	18	meet	meet	VERB
fbem-18628	222	19	the	the	DET
fbem-18628	222	20	needs	need	NOUN
fbem-18628	222	21	of	of	ADP
fbem-18628	222	22	different	different	ADJ
fbem-18628	222	23	clients	client	NOUN
fbem-18628	222	24	,	,	PUNCT
fbem-18628	222	25	while	while	SCONJ
fbem-18628	222	26	ensuring	ensure	VERB
fbem-18628	222	27	security	security	NOUN
fbem-18628	222	28	and	and	CCONJ
fbem-18628	222	29	stability	stability	NOUN
fbem-18628	222	30	.	.	PUNCT
fbem-18628	223	1	in	in	ADP
fbem-18628	223	2	addition	addition	NOUN
fbem-18628	223	3	,	,	PUNCT
fbem-18628	223	4	scientific	scientific	ADJ
fbem-18628	223	5	risk	risk	NOUN
fbem-18628	223	6	management	management	NOUN
fbem-18628	223	7	strategies	strategy	NOUN
fbem-18628	223	8	need	need	VERB
fbem-18628	223	9	to	to	PART
fbem-18628	223	10	be	be	AUX
fbem-18628	223	11	developed	develop	VERB
fbem-18628	223	12	and	and	CCONJ
fbem-18628	223	13	effective	effective	ADJ
fbem-18628	223	14	risk	risk	NOUN
fbem-18628	223	15	management	management	NOUN
fbem-18628	223	16	programs	program	NOUN
fbem-18628	223	17	need	need	VERB
fbem-18628	223	18	to	to	PART
fbem-18628	223	19	be	be	AUX
fbem-18628	223	20	provided	provide	VERB
fbem-18628	223	21	to	to	ADP
fbem-18628	223	22	clients	client	NOUN
fbem-18628	223	23	.	.	PUNCT
fbem-18628	224	1	include	include	VERB
fbem-18628	224	2	the	the	DET
fbem-18628	224	3	youth	youth	NOUN
fbem-18628	224	4	group	group	NOUN
fbem-18628	224	5	in	in	ADP
fbem-18628	224	6	the	the	DET
fbem-18628	224	7	target	target	NOUN
fbem-18628	224	8	group	group	NOUN
fbem-18628	224	9	of	of	ADP
fbem-18628	224	10	financial	financial	ADJ
fbem-18628	224	11	pension	pension	NOUN
fbem-18628	224	12	services	service	NOUN
fbem-18628	224	13	.	.	PUNCT
fbem-18628	225	1	explore	explore	VERB
fbem-18628	225	2	a	a	DET
fbem-18628	225	3	product	product	NOUN
fbem-18628	225	4	and	and	CCONJ
fbem-18628	225	5	service	service	NOUN
fbem-18628	225	6	system	system	NOUN
fbem-18628	225	7	geared	gear	VERB
fbem-18628	225	8	towards	towards	ADP
fbem-18628	225	9	the	the	DET
fbem-18628	225	10	future	future	ADJ
fbem-18628	225	11	retirement	retirement	NOUN
fbem-18628	225	12	preparation	preparation	NOUN
fbem-18628	225	13	stage	stage	NOUN
fbem-18628	225	14	of	of	ADP
fbem-18628	225	15	contemporary	contemporary	ADJ
fbem-18628	225	16	youth	youth	NOUN
fbem-18628	225	17	.	.	PUNCT
fbem-18628	226	1	taking	take	VERB
fbem-18628	226	2	the	the	DET
fbem-18628	226	3	youth	youth	NOUN
fbem-18628	226	4	group	group	NOUN
fbem-18628	226	5	as	as	ADP
fbem-18628	226	6	an	an	DET
fbem-18628	226	7	example	example	NOUN
fbem-18628	226	8	,	,	PUNCT
fbem-18628	226	9	we	we	PRON
fbem-18628	226	10	will	will	AUX
fbem-18628	226	11	gain	gain	VERB
fbem-18628	226	12	an	an	DET
fbem-18628	226	13	in	in	ADP
fbem-18628	226	14	-	-	PUNCT
fbem-18628	226	15	depth	depth	NOUN
fbem-18628	226	16	understanding	understanding	NOUN
fbem-18628	226	17	of	of	ADP
fbem-18628	226	18	their	their	PRON
fbem-18628	226	19	financial	financial	ADJ
fbem-18628	226	20	pension	pension	NOUN
fbem-18628	226	21	service	service	NOUN
fbem-18628	226	22	needs	need	NOUN
fbem-18628	226	23	and	and	CCONJ
fbem-18628	226	24	future	future	ADJ
fbem-18628	226	25	pension	pension	NOUN
fbem-18628	226	26	plans	plan	NOUN
fbem-18628	226	27	,	,	PUNCT
fbem-18628	226	28	so	so	SCONJ
fbem-18628	226	29	as	as	SCONJ
fbem-18628	226	30	to	to	PART
fbem-18628	226	31	design	design	VERB
fbem-18628	226	32	a	a	DET
fbem-18628	226	33	financial	financial	ADJ
fbem-18628	226	34	pension	pension	NOUN
fbem-18628	226	35	service	service	NOUN
fbem-18628	226	36	system	system	NOUN
fbem-18628	226	37	suitable	suitable	ADJ
fbem-18628	226	38	for	for	ADP
fbem-18628	226	39	them	they	PRON
fbem-18628	226	40	.	.	PUNCT
fbem-18628	227	1	vdh	vdh	PROPN
fbem-18628	227	2	is	be	AUX
fbem-18628	227	3	introduced	introduce	VERB
fbem-18628	227	4	into	into	ADP
fbem-18628	227	5	the	the	DET
fbem-18628	227	6	field	field	NOUN
fbem-18628	227	7	of	of	ADP
fbem-18628	227	8	financial	financial	ADJ
fbem-18628	227	9	pension	pension	NOUN
fbem-18628	227	10	service	service	NOUN
fbem-18628	227	11	.	.	PUNCT
fbem-18628	228	1	provide	provide	VERB
fbem-18628	228	2	new	new	ADJ
fbem-18628	228	3	insights	insight	NOUN
fbem-18628	228	4	into	into	ADP
fbem-18628	228	5	the	the	DET
fbem-18628	228	6	participation	participation	NOUN
fbem-18628	228	7	of	of	ADP
fbem-18628	228	8	vdh	vdh	NOUN
fbem-18628	228	9	in	in	ADP
fbem-18628	228	10	pension	pension	NOUN
fbem-18628	228	11	services	service	NOUN
fbem-18628	228	12	through	through	ADP
fbem-18628	228	13	this	this	DET
fbem-18628	228	14	research	research	NOUN
fbem-18628	228	15	.	.	PUNCT
fbem-18628	229	1	in	in	ADP
fbem-18628	229	2	this	this	DET
fbem-18628	229	3	study	study	NOUN
fbem-18628	229	4	,	,	PUNCT
fbem-18628	229	5	the	the	DET
fbem-18628	229	6	vdh	vdh	PROPN
fbem-18628	229	7	data	data	PROPN
fbem-18628	229	8	security	security	NOUN
fbem-18628	229	9	protocol	protocol	NOUN
fbem-18628	229	10	is	be	AUX
fbem-18628	229	11	introduced	introduce	VERB
fbem-18628	229	12	into	into	ADP
fbem-18628	229	13	financial	financial	ADJ
fbem-18628	229	14	pension	pension	NOUN
fbem-18628	229	15	services	service	NOUN
fbem-18628	229	16	,	,	PUNCT
fbem-18628	229	17	while	while	SCONJ
fbem-18628	229	18	the	the	DET
fbem-18628	229	19	bank	bank	NOUN
fbem-18628	229	20	,	,	PUNCT
fbem-18628	229	21	as	as	ADP
fbem-18628	229	22	a	a	DET
fbem-18628	229	23	trust	trust	NOUN
fbem-18628	229	24	residing	reside	VERB
fbem-18628	229	25	body	body	NOUN
fbem-18628	229	26	,	,	PUNCT
fbem-18628	229	27	reduces	reduce	VERB
fbem-18628	229	28	the	the	DET
fbem-18628	229	29	insecurity	insecurity	NOUN
fbem-18628	229	30	of	of	ADP
fbem-18628	229	31	the	the	DET
fbem-18628	229	32	customers	customer	NOUN
fbem-18628	229	33	'	'	PART
fbem-18628	229	34	misuse	misuse	NOUN
fbem-18628	229	35	of	of	ADP
fbem-18628	229	36	their	their	PRON
fbem-18628	229	37	personal	personal	ADJ
fbem-18628	229	38	information	information	NOUN
fbem-18628	229	39	during	during	ADP
fbem-18628	229	40	the	the	DET
fbem-18628	229	41	business	business	NOUN
fbem-18628	229	42	process	process	NOUN
fbem-18628	229	43	,	,	PUNCT
fbem-18628	229	44	which	which	PRON
fbem-18628	229	45	is	be	AUX
fbem-18628	229	46	of	of	ADP
fbem-18628	229	47	great	great	ADJ
fbem-18628	229	48	significance	significance	NOUN
fbem-18628	229	49	and	and	CCONJ
fbem-18628	229	50	expands	expand	VERB
fbem-18628	229	51	the	the	DET
fbem-18628	229	52	application	application	NOUN
fbem-18628	229	53	of	of	ADP
fbem-18628	229	54	the	the	DET
fbem-18628	229	55	vdh	vdh	NOUN
fbem-18628	229	56	in	in	ADP
fbem-18628	229	57	the	the	DET
fbem-18628	229	58	pension	pension	NOUN
fbem-18628	229	59	services	service	NOUN
fbem-18628	229	60	.	.	PUNCT
fbem-18628	230	1	6.2	6.2	NUM
fbem-18628	230	2	.	.	PUNCT
fbem-18628	230	3	problems	problem	NOUN
fbem-18628	230	4	identified	identify	VERB
fbem-18628	230	5	and	and	CCONJ
fbem-18628	230	6	future	future	ADJ
fbem-18628	230	7	prospects	prospect	NOUN
fbem-18628	230	8	there	there	PRON
fbem-18628	230	9	are	be	VERB
fbem-18628	230	10	some	some	DET
fbem-18628	230	11	other	other	ADJ
fbem-18628	230	12	issues	issue	NOUN
fbem-18628	230	13	that	that	PRON
fbem-18628	230	14	need	need	VERB
fbem-18628	230	15	to	to	PART
fbem-18628	230	16	be	be	AUX
fbem-18628	230	17	discussed	discuss	VERB
fbem-18628	230	18	and	and	CCONJ
fbem-18628	230	19	resolved	resolve	VERB
fbem-18628	230	20	in	in	ADP
fbem-18628	230	21	this	this	DET
fbem-18628	230	22	study	study	NOUN
fbem-18628	230	23	.	.	PUNCT
fbem-18628	231	1	in	in	ADP
fbem-18628	231	2	addition	addition	NOUN
fbem-18628	231	3	to	to	ADP
fbem-18628	231	4	the	the	DET
fbem-18628	231	5	need	need	NOUN
fbem-18628	231	6	to	to	PART
fbem-18628	231	7	consider	consider	VERB
fbem-18628	231	8	the	the	DET
fbem-18628	231	9	risk	risk	NOUN
fbem-18628	231	10	management	management	NOUN
fbem-18628	231	11	strategies	strategy	NOUN
fbem-18628	231	12	and	and	CCONJ
fbem-18628	231	13	regulatory	regulatory	ADJ
fbem-18628	231	14	mechanisms	mechanism	NOUN
fbem-18628	231	15	for	for	ADP
fbem-18628	231	16	financial	financial	ADJ
fbem-18628	231	17	senior	senior	ADJ
fbem-18628	231	18	care	care	NOUN
fbem-18628	231	19	services	service	NOUN
fbem-18628	231	20	,	,	PUNCT
fbem-18628	231	21	the	the	DET
fbem-18628	231	22	following	follow	VERB
fbem-18628	231	23	issues	issue	NOUN
fbem-18628	231	24	need	need	VERB
fbem-18628	231	25	to	to	PART
fbem-18628	231	26	be	be	AUX
fbem-18628	231	27	focused	focus	VERB
fbem-18628	231	28	on	on	ADP
fbem-18628	231	29	:	:	PUNCT
fbem-18628	231	30	with	with	SCONJ
fbem-18628	231	31	regard	regard	NOUN
fbem-18628	231	32	to	to	ADP
fbem-18628	231	33	the	the	DET
fbem-18628	231	34	discussion	discussion	NOUN
fbem-18628	231	35	of	of	ADP
fbem-18628	231	36	digital	digital	ADJ
fbem-18628	231	37	person	person	NOUN
fbem-18628	231	38	data	data	VERB
fbem-18628	231	39	security	security	NOUN
fbem-18628	231	40	protocols	protocol	NOUN
fbem-18628	231	41	,	,	PUNCT
fbem-18628	231	42	in	in	ADP
fbem-18628	231	43	addition	addition	NOUN
fbem-18628	231	44	to	to	ADP
fbem-18628	231	45	the	the	DET
fbem-18628	231	46	need	need	NOUN
fbem-18628	231	47	to	to	PART
fbem-18628	231	48	further	far	ADV
fbem-18628	231	49	strengthen	strengthen	VERB
fbem-18628	231	50	the	the	DET
fbem-18628	231	51	literature	literature	NOUN
fbem-18628	231	52	research	research	PROPN
fbem-18628	231	53	and	and	CCONJ
fbem-18628	231	54	technical	technical	ADJ
fbem-18628	231	55	research	research	NOUN
fbem-18628	231	56	,	,	PUNCT
fbem-18628	231	57	it	it	PRON
fbem-18628	231	58	is	be	AUX
fbem-18628	231	59	also	also	ADV
fbem-18628	231	60	necessary	necessary	ADJ
fbem-18628	231	61	to	to	PART
fbem-18628	231	62	enhance	enhance	VERB
fbem-18628	231	63	customers	customer	NOUN
fbem-18628	231	64	'	'	PART
fbem-18628	231	65	awareness	awareness	NOUN
fbem-18628	231	66	of	of	ADP
fbem-18628	231	67	digital	digital	ADJ
fbem-18628	231	68	person	person	NOUN
fbem-18628	231	69	data	data	VERB
fbem-18628	231	70	security	security	NOUN
fbem-18628	231	71	and	and	CCONJ
fbem-18628	231	72	protection	protection	NOUN
fbem-18628	231	73	requirements	requirement	NOUN
fbem-18628	231	74	to	to	PART
fbem-18628	231	75	ensure	ensure	VERB
fbem-18628	231	76	that	that	SCONJ
fbem-18628	231	77	customers	customer	NOUN
fbem-18628	231	78	'	'	PART
fbem-18628	231	79	personal	personal	ADJ
fbem-18628	231	80	information	information	NOUN
fbem-18628	231	81	and	and	CCONJ
fbem-18628	231	82	transaction	transaction	NOUN
fbem-18628	231	83	data	datum	NOUN
fbem-18628	231	84	are	be	AUX
fbem-18628	231	85	adequately	adequately	ADV
fbem-18628	231	86	protected	protect	VERB
fbem-18628	231	87	from	from	ADP
fbem-18628	231	88	risks	risk	NOUN
fbem-18628	231	89	such	such	ADJ
fbem-18628	231	90	as	as	ADP
fbem-18628	231	91	security	security	NOUN
fbem-18628	231	92	threats	threat	NOUN
fbem-18628	231	93	and	and	CCONJ
fbem-18628	231	94	data	datum	NOUN
fbem-18628	231	95	leakage	leakage	NOUN
fbem-18628	231	96	.	.	PUNCT
fbem-18628	232	1	the	the	DET
fbem-18628	232	2	digital	digital	ADJ
fbem-18628	232	3	person	person	NOUN
fbem-18628	232	4	data	data	VERB
fbem-18628	232	5	security	security	NOUN
fbem-18628	232	6	protocol	protocol	NOUN
fbem-18628	232	7	designed	design	VERB
fbem-18628	232	8	in	in	ADP
fbem-18628	232	9	this	this	DET
fbem-18628	232	10	topic	topic	NOUN
fbem-18628	232	11	is	be	AUX
fbem-18628	232	12	only	only	ADV
fbem-18628	232	13	an	an	DET
fbem-18628	232	14	example	example	NOUN
fbem-18628	232	15	made	make	VERB
fbem-18628	232	16	based	base	VERB
fbem-18628	232	17	on	on	ADP
fbem-18628	232	18	the	the	DET
fbem-18628	232	19	research	research	NOUN
fbem-18628	232	20	in	in	ADP
fbem-18628	232	21	this	this	DET
fbem-18628	232	22	paper	paper	NOUN
fbem-18628	232	23	,	,	PUNCT
fbem-18628	232	24	and	and	CCONJ
fbem-18628	232	25	the	the	DET
fbem-18628	232	26	specific	specific	ADJ
fbem-18628	232	27	security	security	NOUN
fbem-18628	232	28	protocol	protocol	NOUN
fbem-18628	232	29	still	still	ADV
fbem-18628	232	30	needs	need	VERB
fbem-18628	232	31	a	a	DET
fbem-18628	232	32	lot	lot	NOUN
fbem-18628	232	33	of	of	ADP
fbem-18628	232	34	literature	literature	NOUN
fbem-18628	232	35	endorsement	endorsement	NOUN
fbem-18628	232	36	and	and	CCONJ
fbem-18628	232	37	support	support	NOUN
fbem-18628	232	38	and	and	CCONJ
fbem-18628	232	39	can	can	AUX
fbem-18628	232	40	not	not	PART
fbem-18628	232	41	be	be	AUX
fbem-18628	232	42	used	use	VERB
fbem-18628	232	43	directly	directly	ADV
fbem-18628	232	44	.	.	PUNCT
fbem-18628	233	1	the	the	DET
fbem-18628	233	2	service	service	NOUN
fbem-18628	233	3	system	system	NOUN
fbem-18628	233	4	designed	design	VERB
fbem-18628	233	5	in	in	ADP
fbem-18628	233	6	this	this	DET
fbem-18628	233	7	project	project	NOUN
fbem-18628	233	8	is	be	AUX
fbem-18628	233	9	a	a	DET
fbem-18628	233	10	relatively	relatively	ADV
fbem-18628	233	11	forward	forward	ADV
fbem-18628	233	12	-	-	PUNCT
fbem-18628	233	13	looking	look	VERB
fbem-18628	233	14	systematic	systematic	ADJ
fbem-18628	233	15	design	design	NOUN
fbem-18628	233	16	,	,	PUNCT
fbem-18628	233	17	in	in	ADP
fbem-18628	233	18	which	which	PRON
fbem-18628	233	19	the	the	DET
fbem-18628	233	20	app	app	NOUN
fbem-18628	233	21	contact	contact	NOUN
fbem-18628	233	22	link	link	NOUN
fbem-18628	233	23	is	be	AUX
fbem-18628	233	24	mainly	mainly	ADV
fbem-18628	233	25	designed	design	VERB
fbem-18628	233	26	in	in	ADP
fbem-18628	233	27	detail	detail	NOUN
fbem-18628	233	28	,	,	PUNCT
fbem-18628	233	29	and	and	CCONJ
fbem-18628	233	30	the	the	DET
fbem-18628	233	31	other	other	ADJ
fbem-18628	233	32	contacts	contact	NOUN
fbem-18628	233	33	in	in	ADP
fbem-18628	233	34	the	the	DET
fbem-18628	233	35	service	service	NOUN
fbem-18628	233	36	system	system	NOUN
fbem-18628	233	37	still	still	ADV
fbem-18628	233	38	need	need	VERB
fbem-18628	233	39	to	to	PART
fbem-18628	233	40	be	be	AUX
fbem-18628	233	41	more	more	ADV
fbem-18628	233	42	perfect	perfect	ADJ
fbem-18628	233	43	and	and	CCONJ
fbem-18628	233	44	detailed	detailed	ADJ
fbem-18628	233	45	design	design	NOUN
fbem-18628	233	46	in	in	ADP
fbem-18628	233	47	the	the	DET
fbem-18628	233	48	future	future	NOUN
fbem-18628	233	49	.	.	PUNCT
fbem-18628	234	1	at	at	ADP
fbem-18628	234	2	the	the	DET
fbem-18628	234	3	same	same	ADJ
fbem-18628	234	4	time	time	NOUN
fbem-18628	234	5	,	,	PUNCT
fbem-18628	234	6	attention	attention	NOUN
fbem-18628	234	7	should	should	AUX
fbem-18628	234	8	be	be	AUX
fbem-18628	234	9	paid	pay	VERB
fbem-18628	234	10	to	to	ADP
fbem-18628	234	11	the	the	DET
fbem-18628	234	12	optimization	optimization	NOUN
fbem-18628	234	13	of	of	ADP
fbem-18628	234	14	the	the	DET
fbem-18628	234	15	user	user	NOUN
fbem-18628	234	16	experience	experience	NOUN
fbem-18628	234	17	,	,	PUNCT
fbem-18628	234	18	and	and	CCONJ
fbem-18628	234	19	the	the	DET
fbem-18628	234	20	usercentred	usercentred	ADJ
fbem-18628	234	21	idea	idea	NOUN
fbem-18628	234	22	of	of	ADP
fbem-18628	234	23	the	the	DET
fbem-18628	234	24	service	service	NOUN
fbem-18628	234	25	should	should	AUX
fbem-18628	234	26	be	be	AUX
fbem-18628	234	27	continuously	continuously	ADV
fbem-18628	234	28	strengthened	strengthen	VERB
fbem-18628	234	29	,	,	PUNCT
fbem-18628	234	30	so	so	SCONJ
fbem-18628	234	31	that	that	SCONJ
fbem-18628	234	32	the	the	DET
fbem-18628	234	33	users	user	NOUN
fbem-18628	234	34	will	will	AUX
fbem-18628	234	35	be	be	AUX
fbem-18628	234	36	more	more	ADV
fbem-18628	234	37	willing	willing	ADJ
fbem-18628	234	38	to	to	PART
fbem-18628	234	39	use	use	VERB
fbem-18628	234	40	the	the	DET
fbem-18628	234	41	service	service	NOUN
fbem-18628	234	42	for	for	ADP
fbem-18628	234	43	a	a	DET
fbem-18628	234	44	long	long	ADJ
fbem-18628	234	45	time	time	NOUN
fbem-18628	234	46	.	.	PUNCT
fbem-18628	235	1	in	in	ADP
fbem-18628	235	2	addition	addition	NOUN
fbem-18628	235	3	,	,	PUNCT
fbem-18628	235	4	corresponding	correspond	VERB
fbem-18628	235	5	marketing	marketing	NOUN
fbem-18628	235	6	activities	activity	NOUN
fbem-18628	235	7	should	should	AUX
fbem-18628	235	8	be	be	AUX
fbem-18628	235	9	carried	carry	VERB
fbem-18628	235	10	out	out	ADP
fbem-18628	235	11	for	for	ADP
fbem-18628	235	12	different	different	ADJ
fbem-18628	235	13	age	age	NOUN
fbem-18628	235	14	groups	group	NOUN
fbem-18628	235	15	and	and	CCONJ
fbem-18628	235	16	demand	demand	VERB
fbem-18628	235	17	groups	group	NOUN
fbem-18628	235	18	to	to	PART
fbem-18628	235	19	increase	increase	VERB
fbem-18628	235	20	the	the	DET
fbem-18628	235	21	awareness	awareness	NOUN
fbem-18628	235	22	and	and	CCONJ
fbem-18628	235	23	promotion	promotion	NOUN
fbem-18628	235	24	effect	effect	NOUN
fbem-18628	235	25	of	of	ADP
fbem-18628	235	26	the	the	DET
fbem-18628	235	27	service	service	NOUN
fbem-18628	235	28	and	and	CCONJ
fbem-18628	235	29	expand	expand	VERB
fbem-18628	235	30	the	the	DET
fbem-18628	235	31	social	social	ADJ
fbem-18628	235	32	contact	contact	NOUN
fbem-18628	235	33	surface	surface	NOUN
fbem-18628	235	34	of	of	ADP
fbem-18628	235	35	the	the	DET
fbem-18628	235	36	service	service	NOUN
fbem-18628	235	37	.	.	PUNCT
fbem-18628	236	1	in	in	ADP
fbem-18628	236	2	addition	addition	NOUN
fbem-18628	236	3	,	,	PUNCT
fbem-18628	236	4	it	it	PRON
fbem-18628	236	5	is	be	AUX
fbem-18628	236	6	necessary	necessary	ADJ
fbem-18628	236	7	for	for	SCONJ
fbem-18628	236	8	the	the	DET
fbem-18628	236	9	government	government	NOUN
fbem-18628	236	10	,	,	PUNCT
fbem-18628	236	11	enterprises	enterprise	NOUN
fbem-18628	236	12	and	and	CCONJ
fbem-18628	236	13	all	all	DET
fbem-18628	236	14	sectors	sector	NOUN
fbem-18628	236	15	of	of	ADP
fbem-18628	236	16	society	society	NOUN
fbem-18628	236	17	to	to	PART
fbem-18628	236	18	join	join	VERB
fbem-18628	236	19	hands	hand	NOUN
fbem-18628	236	20	to	to	ADP
fbem-18628	236	21	27	27	NUM
fbem-18628	236	22	strengthen	strengthen	VERB
fbem-18628	236	23	the	the	DET
fbem-18628	236	24	supervision	supervision	NOUN
fbem-18628	236	25	and	and	CCONJ
fbem-18628	236	26	regulation	regulation	NOUN
fbem-18628	236	27	of	of	ADP
fbem-18628	236	28	financial	financial	ADJ
fbem-18628	236	29	elderly	elderly	ADJ
fbem-18628	236	30	care	care	NOUN
fbem-18628	236	31	services	service	NOUN
fbem-18628	236	32	,	,	PUNCT
fbem-18628	236	33	so	so	SCONJ
fbem-18628	236	34	as	as	SCONJ
fbem-18628	236	35	to	to	PART
fbem-18628	236	36	further	far	ADV
fbem-18628	236	37	improve	improve	VERB
fbem-18628	236	38	the	the	DET
fbem-18628	236	39	quality	quality	NOUN
fbem-18628	236	40	and	and	CCONJ
fbem-18628	236	41	safety	safety	NOUN
fbem-18628	236	42	of	of	ADP
fbem-18628	236	43	the	the	DET
fbem-18628	236	44	service	service	NOUN
fbem-18628	236	45	.	.	PUNCT
fbem-18628	237	1	7	7	X
fbem-18628	237	2	.	.	X
fbem-18628	237	3	conclusion	conclusion	NOUN
fbem-18628	237	4	this	this	DET
fbem-18628	237	5	study	study	NOUN
fbem-18628	237	6	establishes	establish	VERB
fbem-18628	237	7	a	a	DET
fbem-18628	237	8	set	set	NOUN
fbem-18628	237	9	of	of	ADP
fbem-18628	237	10	financial	financial	ADJ
fbem-18628	237	11	elderly	elderly	ADJ
fbem-18628	237	12	care	care	NOUN
fbem-18628	237	13	service	service	NOUN
fbem-18628	237	14	for	for	ADP
fbem-18628	237	15	young	young	ADJ
fbem-18628	237	16	people	people	NOUN
fbem-18628	237	17	.	.	PUNCT
fbem-18628	238	1	it	it	PRON
fbem-18628	238	2	is	be	AUX
fbem-18628	238	3	found	find	VERB
fbem-18628	238	4	that	that	SCONJ
fbem-18628	238	5	there	there	PRON
fbem-18628	238	6	are	be	VERB
fbem-18628	238	7	deficiencies	deficiency	NOUN
fbem-18628	238	8	in	in	ADP
fbem-18628	238	9	the	the	DET
fbem-18628	238	10	current	current	ADJ
fbem-18628	238	11	elderly	elderly	ADJ
fbem-18628	238	12	care	care	NOUN
fbem-18628	238	13	industry	industry	NOUN
fbem-18628	238	14	.	.	PUNCT
fbem-18628	239	1	the	the	DET
fbem-18628	239	2	system	system	NOUN
fbem-18628	239	3	takes	take	VERB
fbem-18628	239	4	into	into	ADP
fbem-18628	239	5	account	account	NOUN
fbem-18628	239	6	the	the	DET
fbem-18628	239	7	process	process	NOUN
fbem-18628	239	8	of	of	ADP
fbem-18628	239	9	wealth	wealth	NOUN
fbem-18628	239	10	accumulation	accumulation	NOUN
fbem-18628	239	11	of	of	ADP
fbem-18628	239	12	young	young	ADJ
fbem-18628	239	13	people	people	NOUN
fbem-18628	239	14	in	in	ADP
fbem-18628	239	15	the	the	DET
fbem-18628	239	16	context	context	NOUN
fbem-18628	239	17	of	of	ADP
fbem-18628	239	18	elderly	elderly	ADJ
fbem-18628	239	19	care	care	NOUN
fbem-18628	239	20	services	service	NOUN
fbem-18628	239	21	.	.	PUNCT
fbem-18628	240	1	this	this	DET
fbem-18628	240	2	study	study	NOUN
fbem-18628	240	3	firstly	firstly	ADV
fbem-18628	240	4	advises	advise	VERB
fbem-18628	240	5	that	that	SCONJ
fbem-18628	240	6	young	young	ADJ
fbem-18628	240	7	people	people	NOUN
fbem-18628	240	8	’s	’s	PART
fbem-18628	240	9	future	future	ADJ
fbem-18628	240	10	elderly	elderly	ADJ
fbem-18628	240	11	care	care	NOUN
fbem-18628	240	12	should	should	AUX
fbem-18628	240	13	be	be	AUX
fbem-18628	240	14	considered	consider	VERB
fbem-18628	240	15	to	to	PART
fbem-18628	240	16	enhance	enhance	VERB
fbem-18628	240	17	the	the	DET
fbem-18628	240	18	their	their	PRON
fbem-18628	240	19	sense	sense	NOUN
fbem-18628	240	20	of	of	ADP
fbem-18628	240	21	security	security	NOUN
fbem-18628	240	22	;	;	PUNCT
fbem-18628	240	23	secondly	secondly	ADV
fbem-18628	240	24	,	,	PUNCT
fbem-18628	240	25	financial	financial	ADJ
fbem-18628	240	26	services	service	NOUN
fbem-18628	240	27	and	and	CCONJ
fbem-18628	240	28	elderly	elderly	ADJ
fbem-18628	240	29	care	care	NOUN
fbem-18628	240	30	services	service	NOUN
fbem-18628	240	31	should	should	AUX
fbem-18628	240	32	be	be	AUX
fbem-18628	240	33	integrated	integrate	VERB
fbem-18628	240	34	and	and	CCONJ
fbem-18628	240	35	designed	design	VERB
fbem-18628	240	36	together	together	ADV
fbem-18628	240	37	that	that	SCONJ
fbem-18628	240	38	financial	financial	ADJ
fbem-18628	240	39	services	service	NOUN
fbem-18628	240	40	should	should	AUX
fbem-18628	240	41	be	be	AUX
fbem-18628	240	42	the	the	DET
fbem-18628	240	43	basis	basis	NOUN
fbem-18628	240	44	of	of	ADP
fbem-18628	240	45	elderly	elderly	ADJ
fbem-18628	240	46	care	care	NOUN
fbem-18628	240	47	services	service	NOUN
fbem-18628	240	48	;	;	PUNCT
fbem-18628	240	49	finally	finally	ADV
fbem-18628	240	50	,	,	PUNCT
fbem-18628	240	51	the	the	DET
fbem-18628	240	52	long	long	ADJ
fbem-18628	240	53	-	-	PUNCT
fbem-18628	240	54	cycle	cycle	NOUN
fbem-18628	240	55	financial	financial	ADJ
fbem-18628	240	56	elderly	elderly	ADJ
fbem-18628	240	57	care	care	NOUN
fbem-18628	240	58	service	service	NOUN
fbem-18628	240	59	system	system	NOUN
fbem-18628	240	60	should	should	AUX
fbem-18628	240	61	concern	concern	VERB
fbem-18628	240	62	the	the	DET
fbem-18628	240	63	changes	change	NOUN
fbem-18628	240	64	in	in	ADP
fbem-18628	240	65	the	the	DET
fbem-18628	240	66	different	different	ADJ
fbem-18628	240	67	major	major	ADJ
fbem-18628	240	68	needs	need	NOUN
fbem-18628	240	69	and	and	CCONJ
fbem-18628	240	70	pain	pain	NOUN
fbem-18628	240	71	points	point	NOUN
fbem-18628	240	72	of	of	ADP
fbem-18628	240	73	young	young	ADJ
fbem-18628	240	74	and	and	CCONJ
fbem-18628	240	75	old	old	ADJ
fbem-18628	240	76	users	user	NOUN
fbem-18628	240	77	,	,	PUNCT
fbem-18628	240	78	which	which	PRON
fbem-18628	240	79	can	can	AUX
fbem-18628	240	80	enhance	enhance	VERB
fbem-18628	240	81	users	user	NOUN
fbem-18628	240	82	’	’	PART
fbem-18628	240	83	loyalty	loyalty	NOUN
fbem-18628	240	84	and	and	CCONJ
fbem-18628	240	85	allow	allow	VERB
fbem-18628	240	86	them	they	PRON
fbem-18628	240	87	to	to	PART
fbem-18628	240	88	use	use	VERB
fbem-18628	240	89	the	the	DET
fbem-18628	240	90	system	system	NOUN
fbem-18628	240	91	in	in	ADP
fbem-18628	240	92	a	a	DET
fbem-18628	240	93	long	long	ADJ
fbem-18628	240	94	-	-	PUNCT
fbem-18628	240	95	cycle	cycle	NOUN
fbem-18628	240	96	period	period	NOUN
fbem-18628	240	97	.	.	PUNCT
fbem-18628	241	1	references	reference	NOUN
fbem-18628	241	2	[	[	X
fbem-18628	241	3	1	1	NUM
fbem-18628	241	4	]	]	X
fbem-18628	241	5	yang	yang	PROPN
fbem-18628	241	6	,	,	PUNCT
fbem-18628	241	7	d.(2017).[the	d.(2017).[the	PROPN
fbem-18628	241	8	research	research	NOUN
fbem-18628	241	9	into	into	ADP
fbem-18628	241	10	pension	pension	NOUN
fbem-18628	241	11	plan	plan	NOUN
fbem-18628	241	12	problem](master	problem](master	NOUN
fbem-18628	241	13	's	's	PART
fbem-18628	241	14	thesis	thesis	NOUN
fbem-18628	241	15	,	,	PUNCT
fbem-18628	241	16	university	university	NOUN
fbem-18628	241	17	of	of	ADP
fbem-18628	241	18	international	international	ADJ
fbem-18628	241	19	business	business	NOUN
fbem-18628	241	20	and	and	CCONJ
fbem-18628	241	21	economics).https://kns.cnki.net	economics).https://kns.cnki.net	NOUN
fbem-18628	241	22	/	/	SYM
fbem-18628	241	23	kcms2	kcms2	NOUN
fbem-18628	241	24	/	/	SYM
fbem-18628	241	25	article	article	NOUN
fbem-18628	241	26	/	/	SYM
fbem-18628	241	27	abstract?v	abstract?v	PROPN
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fbem-18628	241	31	xzvyjjbd3atqd3aubwgruagjfvpsgm5vosxtzqlynj2	xzvyjjbd3atqd3aubwgruagjfvpsgm5vosxtzqlynj2	PUNCT
fbem-18628	242	1	3_u2m3szq0gnhd8wjwqhhbfxq4s7yyxeyt_l3a=&uniplatform	3_u2m3szq0gnhd8wjwqhhbfxq4s7yyxeyt_l3a=&uniplatform	PROPN
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fbem-18628	242	3	nzkpt&language	nzkpt&language	NOUN
fbem-18628	242	4	=	=	SYM
fbem-18628	242	5	chs	chs	NOUN
fbem-18628	242	6	[	[	X
fbem-18628	242	7	2	2	NUM
fbem-18628	242	8	]	]	X
fbem-18628	242	9	huang	huang	PROPN
fbem-18628	242	10	,	,	PUNCT
fbem-18628	242	11	j.y	j.y	PROPN
fbem-18628	242	12	.	.	PROPN
fbem-18628	242	13	&	&	CCONJ
fbem-18628	242	14	zhang	zhang	PROPN
fbem-18628	242	15	,	,	PUNCT
fbem-18628	242	16	j.(2021	j.(2021	PROPN
fbem-18628	242	17	)	)	PUNCT
fbem-18628	242	18	.	.	PUNCT
fbem-18628	243	1	[	[	X
fbem-18628	243	2	study	study	NOUN
fbem-18628	243	3	on	on	ADP
fbem-18628	243	4	lmproving	lmprove	VERB
fbem-18628	243	5	elderly	elderly	ADJ
fbem-18628	243	6	service	service	NOUN
fbem-18628	243	7	industrial	industrial	ADJ
fbem-18628	243	8	chain	chain	NOUN
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fbem-18628	243	10	.	.	PUNCT
fbem-18628	244	1	[	[	X
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fbem-18628	244	4	jilin	jilin	PROPN
fbem-18628	244	5	agricultural	agricultural	PROPN
fbem-18628	244	6	science	science	PROPN
fbem-18628	244	7	and	and	CCONJ
fbem-18628	244	8	technology	technology	NOUN
fbem-18628	244	9	university](06),65	university](06),65	NOUN
fbem-18628	244	10	-	-	PUNCT
fbem-18628	244	11	68	68	NUM
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fbem-18628	245	5	yang.(2022).a	yang.(2022).a	PUNCT
fbem-18628	246	1	[	[	X
fbem-18628	246	2	research	research	NOUN
fbem-18628	246	3	on	on	ADP
fbem-18628	246	4	marketing	marketing	NOUN
fbem-18628	246	5	problems	problem	NOUN
fbem-18628	246	6	of	of	ADP
fbem-18628	246	7	silver	silver	ADJ
fbem-18628	246	8	hair	hair	NOUN
fbem-18628	246	9	clients	client	NOUN
fbem-18628	246	10	in	in	ADP
fbem-18628	246	11	sub	sub	ADJ
fbem-18628	246	12	-	-	ADJ
fbem-18628	246	13	branches](master	branches](master	NOUN
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fbem-18628	246	15	thesis	thesis	NOUN
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fbem-18628	246	19	of	of	ADP
fbem-18628	246	20	science	science	NOUN
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fbem-18628	246	22	technology	technology	NOUN
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fbem-18628	246	24	.	.	PUNCT
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fbem-18628	248	6	y.	y.	PROPN
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fbem-18628	248	24	tracking	tracking	NOUN
fbem-18628	248	25	for	for	ADP
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fbem-18628	248	27	sustainable	sustainable	ADJ
fbem-18628	248	28	future	future	NOUN
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fbem-18628	248	37	s.	s.	PROPN
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fbem-18628	248	54	(	(	PUNCT
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fbem-18628	248	59	drs2022	drs2022	PROPN
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fbem-18628	248	61	bilbao	bilbao	PROPN
fbem-18628	248	62	,	,	PUNCT
fbem-18628	248	63	25	25	NUM
fbem-18628	248	64	june	june	PROPN
fbem-18628	248	65	3	3	NUM
fbem-18628	248	66	july	july	PROPN
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fbem-18628	248	68	bilbao	bilbao	PROPN
fbem-18628	248	69	,	,	PUNCT
fbem-18628	248	70	spain	spain	PROPN
fbem-18628	248	71	.	.	PUNCT
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fbem-18628	250	24	distribution	distribution	NOUN
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fbem-18628	250	27	sides	side	NOUN
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fbem-18628	250	30	"	"	PUNCT
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fbem-18628	250	33	"	"	PUNCT
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fbem-18628	255	1	[	[	X
fbem-18628	255	2	news	news	NOUN
fbem-18628	255	3	and	and	CCONJ
fbem-18628	255	4	writing](07),56	writing](07),56	PROPN
fbem-18628	255	5	-	-	PUNCT
fbem-18628	255	6	64	64	NUM
fbem-18628	255	7	.	.	PUNCT
fbem-18628	256	1	[	[	X
fbem-18628	256	2	8	8	NUM
fbem-18628	256	3	]	]	X
fbem-18628	256	4	wang	wang	PROPN
fbem-18628	256	5	,	,	PUNCT
fbem-18628	256	6	l.l	l.l	PROPN
fbem-18628	256	7	.	.	PROPN
fbem-18628	256	8	,wu	,wu	PROPN
fbem-18628	256	9	,	,	PUNCT
fbem-18628	256	10	j.	j.	PROPN
fbem-18628	256	11	&	&	CCONJ
fbem-18628	256	12	zhao	zhao	PROPN
fbem-18628	256	13	,	,	PUNCT
fbem-18628	256	14	q.p.(2021).[exploring	q.p.(2021).[explore	VERB
fbem-18628	256	15	the	the	DET
fbem-18628	256	16	curriculum	curriculum	NOUN
fbem-18628	256	17	system	system	NOUN
fbem-18628	256	18	of	of	ADP
fbem-18628	256	19	undergraduate	undergraduate	ADJ
fbem-18628	256	20	programmes	programme	NOUN
fbem-18628	256	21	in	in	ADP
fbem-18628	256	22	virtual	virtual	ADJ
fbem-18628	256	23	reality	reality	NOUN
fbem-18628	256	24	technology	technology	NOUN
fbem-18628	256	25	]	]	PUNCT
fbem-18628	256	26	.	.	PUNCT
fbem-18628	257	1	[	[	X
fbem-18628	257	2	china	china	PROPN
fbem-18628	257	3	university	university	PROPN
fbem-18628	257	4	teaching](10),22	teaching](10),22	NOUN
fbem-18628	257	5	-	-	PUNCT
fbem-18628	257	6	29	29	NUM
fbem-18628	257	7	.	.	PUNCT
fbem-18628	258	1	[	[	X
fbem-18628	258	2	9	9	NUM
fbem-18628	258	3	]	]	X
fbem-18628	258	4	blake	blake	NOUN
fbem-18628	258	5	,	,	PUNCT
fbem-18628	258	6	d.	d.	PROPN
fbem-18628	258	7	(	(	PUNCT
fbem-18628	258	8	2006	2006	NUM
fbem-18628	258	9	)	)	PUNCT
fbem-18628	258	10	.	.	PUNCT
fbem-18628	258	11	pension	pension	NOUN
fbem-18628	258	12	finance	finance	NOUN
fbem-18628	258	13	.	.	PUNCT
fbem-18628	259	1	john	john	PROPN
fbem-18628	259	2	wiley	wiley	PROPN
fbem-18628	259	3	&	&	CCONJ
fbem-18628	259	4	sons	son	NOUN
fbem-18628	259	5	.	.	PUNCT
fbem-18628	260	1	[	[	X
fbem-18628	260	2	10	10	NUM
fbem-18628	260	3	]	]	X
fbem-18628	260	4	coughlin	coughlin	PROPN
fbem-18628	260	5	,	,	PUNCT
fbem-18628	260	6	j.	j.	PROPN
fbem-18628	260	7	f.	f.	PROPN
fbem-18628	260	8	(	(	PUNCT
fbem-18628	260	9	2017	2017	NUM
fbem-18628	260	10	)	)	PUNCT
fbem-18628	260	11	.	.	PUNCT
fbem-18628	261	1	the	the	DET
fbem-18628	261	2	longevity	longevity	NOUN
fbem-18628	261	3	economy	economy	NOUN
fbem-18628	261	4	:	:	PUNCT
fbem-18628	261	5	unlocking	unlock	VERB
fbem-18628	261	6	the	the	DET
fbem-18628	261	7	world	world	NOUN
fbem-18628	261	8	's	's	PART
fbem-18628	261	9	fastest	fast	ADV
fbem-18628	261	10	-	-	PUNCT
fbem-18628	261	11	growing	grow	VERB
fbem-18628	261	12	,	,	PUNCT
fbem-18628	261	13	most	most	ADJ
fbem-18628	261	14	misunderstood	misunderstood	ADJ
fbem-18628	261	15	market	market	NOUN
fbem-18628	261	16	.	.	PUNCT
fbem-18628	262	1	hachette	hachette	PROPN
fbem-18628	262	2	uk	uk	PROPN
fbem-18628	262	3	.	.	PUNCT
fbem-18628	263	1	[	[	X
fbem-18628	263	2	11	11	NUM
fbem-18628	263	3	]	]	X
fbem-18628	263	4	da	da	PROPN
fbem-18628	263	5	deng	deng	PROPN
fbem-18628	263	6	&	&	CCONJ
fbem-18628	263	7	huafeng	huafeng	PROPN
fbem-18628	263	8	li.(2021).research	li.(2021).research	PROPN
fbem-18628	263	9	on	on	ADP
fbem-18628	263	10	the	the	DET
fbem-18628	263	11	practice	practice	NOUN
fbem-18628	263	12	of	of	ADP
fbem-18628	263	13	pension	pension	NOUN
fbem-18628	263	14	finance	finance	NOUN
fbem-18628	263	15	under	under	ADP
fbem-18628	263	16	the	the	DET
fbem-18628	263	17	background	background	NOUN
fbem-18628	263	18	of	of	ADP
fbem-18628	263	19	digital	digital	ADJ
fbem-18628	263	20	economy	economy	NOUN
fbem-18628	263	21	.	.	PUNCT
fbem-18628	264	1	e3s	e3s	PROPN
fbem-18628	264	2	web	web	NOUN
fbem-18628	264	3	of	of	ADP
fbem-18628	264	4	conferences,05055-	conferences,05055-	PROPN
fbem-18628	264	5	.	.	PUNCT
fbem-18628	265	1	[	[	X
fbem-18628	265	2	12	12	NUM
fbem-18628	265	3	]	]	X
fbem-18628	265	4	yan	yan	PROPN
fbem-18628	265	5	,	,	PUNCT
fbem-18628	265	6	t.(2023).[virtual	t.(2023).[virtual	ADJ
fbem-18628	265	7	digital	digital	ADJ
fbem-18628	265	8	person	person	NOUN
fbem-18628	265	9	voice	voice	NOUN
fbem-18628	265	10	lnteraction	lnteraction	NOUN
fbem-18628	265	11	application	application	NOUN
fbem-18628	265	12	based	base	VERB
fbem-18628	265	13	on	on	ADP
fbem-18628	265	14	chatgpt	chatgpt	NOUN
fbem-18628	265	15	language	language	NOUN
fbem-18628	265	16	model	model	NOUN
fbem-18628	265	17	]	]	X
fbem-18628	265	18	.	.	PUNCT
fbem-18628	266	1	[	[	X
fbem-18628	266	2	video	video	NOUN
fbem-18628	266	3	engineering](08),182	engineering](08),182	PROPN
fbem-18628	266	4	-	-	PUNCT
fbem-18628	266	5	186	186	NUM
fbem-18628	266	6	.	.	PUNCT
fbem-18628	266	7	doi:10.16280	doi:10.16280	NOUN
fbem-18628	266	8	/	/	SYM
fbem-18628	266	9	j.videoe.2023.08.046	j.videoe.2023.08.046	NOUN
fbem-18628	266	10	.	.	PUNCT
fbem-18628	267	1	[	[	X
fbem-18628	267	2	13	13	NUM
fbem-18628	267	3	]	]	SYM
fbem-18628	267	4	huang	huang	PROPN
fbem-18628	267	5	,	,	PUNCT
fbem-18628	267	6	w.	w.	PROPN
fbem-18628	267	7	,	,	PUNCT
fbem-18628	267	8	xia	xia	PROPN
fbem-18628	267	9	,	,	PUNCT
fbem-18628	267	10	c.	c.	PROPN
fbem-18628	267	11	j.	j.	PROPN
fbem-18628	267	12	&	&	CCONJ
fbem-18628	267	13	tie	tie	PROPN
fbem-18628	267	14	,	,	PUNCT
fbem-18628	267	15	z.(2023).[digital	z.(2023).[digital	NOUN
fbem-18628	267	16	memory	memory	NOUN
fbem-18628	267	17	&	&	CCONJ
fbem-18628	267	18	metaverse	metaverse	PROPN
fbem-18628	267	19	:	:	PUNCT
fbem-18628	267	20	the	the	DET
fbem-18628	267	21	value	value	NOUN
fbem-18628	267	22	of	of	ADP
fbem-18628	267	23	digital	digital	ADJ
fbem-18628	267	24	memory	memory	NOUN
fbem-18628	267	25	for	for	ADP
fbem-18628	267	26	virtual	virtual	ADJ
fbem-18628	267	27	digital	digital	ADJ
fbem-18628	267	28	human	human	NOUN
fbem-18628	267	29	]	]	PUNCT
fbem-18628	267	30	.	.	PUNCT
fbem-18628	268	1	[	[	X
fbem-18628	268	2	library	library	NOUN
fbem-18628	268	3	tribune](07),154	tribune](07),154	VERB
fbem-18628	268	4	-	-	PUNCT
fbem-18628	268	5	161	161	NUM
fbem-18628	268	6	.	.	PUNCT
fbem-18628	269	1	[	[	X
fbem-18628	269	2	14	14	NUM
fbem-18628	269	3	]	]	X
fbem-18628	269	4	andreas	andreas	PROPN
fbem-18628	269	5	geiger	geiger	PROPN
fbem-18628	269	6	,	,	PUNCT
fbem-18628	269	7	elisabeth	elisabeth	PROPN
fbem-18628	269	8	brandenburg	brandenburg	PROPN
fbem-18628	269	9	&	&	CCONJ
fbem-18628	269	10	rainer	rainer	PROPN
fbem-18628	269	11	stark	stark	PROPN
fbem-18628	269	12	.	.	PUNCT
fbem-18628	270	1	(	(	PUNCT
fbem-18628	270	2	2020	2020	NUM
fbem-18628	270	3	)	)	PUNCT
fbem-18628	270	4	.	.	PUNCT
fbem-18628	271	1	natural	natural	ADJ
fbem-18628	271	2	virtual	virtual	ADJ
fbem-18628	271	3	reality	reality	NOUN
fbem-18628	271	4	user	user	NOUN
fbem-18628	271	5	interface	interface	NOUN
fbem-18628	271	6	to	to	PART
fbem-18628	271	7	define	define	VERB
fbem-18628	271	8	assembly	assembly	NOUN
fbem-18628	271	9	sequences	sequence	NOUN
fbem-18628	271	10	for	for	ADP
fbem-18628	271	11	digital	digital	ADJ
fbem-18628	271	12	human	human	ADJ
fbem-18628	271	13	models	model	NOUN
fbem-18628	271	14	.	.	PUNCT
fbem-18628	272	1	applied	apply	VERB
fbem-18628	272	2	system	system	NOUN
fbem-18628	272	3	innovation	innovation	NOUN
fbem-18628	272	4	(	(	PUNCT
fbem-18628	272	5	1	1	NUM
fbem-18628	272	6	)	)	PUNCT
fbem-18628	272	7	.	.	PUNCT
fbem-18628	273	1	doi:10.3390	doi:10.3390	NOUN
fbem-18628	273	2	/	/	SYM
fbem-18628	273	3	asi3010015	asi3010015	PROPN
fbem-18628	273	4	.	.	PUNCT
fbem-18628	274	1	[	[	X
fbem-18628	274	2	15	15	NUM
fbem-18628	274	3	]	]	X
fbem-18628	274	4	li	li	PROPN
fbem-18628	274	5	jian	jian	PROPN
fbem-18628	274	6	,	,	PUNCT
fbem-18628	274	7	huang	huang	PROPN
fbem-18628	274	8	jinsong	jinsong	PROPN
fbem-18628	274	9	&	&	CCONJ
fbem-18628	274	10	li	li	PROPN
fbem-18628	274	11	yaqi.(2023).examining	yaqi.(2023).examine	VERB
fbem-18628	274	12	the	the	DET
fbem-18628	274	13	effects	effect	NOUN
fbem-18628	274	14	of	of	ADP
fbem-18628	274	15	authenticity	authenticity	NOUN
fbem-18628	274	16	fit	fit	NOUN
fbem-18628	274	17	and	and	CCONJ
fbem-18628	274	18	association	association	NOUN
fbem-18628	274	19	fit	fit	NOUN
fbem-18628	274	20	:	:	PUNCT
fbem-18628	274	21	a	a	DET
fbem-18628	274	22	digital	digital	ADJ
fbem-18628	274	23	human	human	ADJ
fbem-18628	274	24	avatar	avatar	ADJ
fbem-18628	274	25	endorsement	endorsement	NOUN
fbem-18628	274	26	model	model	NOUN
fbem-18628	274	27	.	.	PUNCT
fbem-18628	275	1	journal	journal	PROPN
fbem-18628	275	2	of	of	ADP
fbem-18628	275	3	retailing	retailing	NOUN
fbem-18628	275	4	and	and	CCONJ
fbem-18628	275	5	consumer	consumer	NOUN
fbem-18628	275	6	services	service	NOUN
fbem-18628	275	7	.	.	PUNCT
fbem-18628	276	1	doi:10.1016	doi:10.1016	PROPN
fbem-18628	276	2	/	/	SYM
fbem-18628	276	3	j.jretconser.2022.103230	j.jretconser.2022.103230	PROPN
fbem-18628	276	4	.	.	PUNCT
fbem-18628	277	1	[	[	X
fbem-18628	277	2	16	16	NUM
fbem-18628	277	3	]	]	X
fbem-18628	277	4	felix	felix	PROPN
fbem-18628	277	5	gaisbauer	gaisbauer	PROPN
fbem-18628	277	6	,	,	PUNCT
fbem-18628	277	7	eva	eva	NOUN
fbem-18628	277	8	lampen	lampen	PROPN
fbem-18628	277	9	,	,	PUNCT
fbem-18628	277	10	philipp	philipp	PROPN
fbem-18628	277	11	agethen	agethen	PROPN
fbem-18628	277	12	&	&	CCONJ
fbem-18628	277	13	enrico	enrico	PROPN
fbem-18628	277	14	rukzio.(2020).combining	rukzio.(2020).combine	VERB
fbem-18628	277	15	heterogeneous	heterogeneous	ADJ
fbem-18628	277	16	digital	digital	ADJ
fbem-18628	277	17	human	human	ADJ
fbem-18628	277	18	simulations	simulation	NOUN
fbem-18628	277	19	:	:	PUNCT
fbem-18628	277	20	presenting	present	VERB
fbem-18628	277	21	a	a	DET
fbem-18628	277	22	novel	novel	ADJ
fbem-18628	277	23	co	co	NOUN
fbem-18628	277	24	-	-	NOUN
fbem-18628	277	25	simulation	simulation	NOUN
fbem-18628	277	26	approach	approach	NOUN
fbem-18628	277	27	for	for	ADP
fbem-18628	277	28	incorporating	incorporate	VERB
fbem-18628	277	29	different	different	ADJ
fbem-18628	277	30	character	character	NOUN
fbem-18628	277	31	animation	animation	NOUN
fbem-18628	277	32	technologies	technology	NOUN
fbem-18628	277	33	.	.	PUNCT
fbem-18628	278	1	the	the	DET
fbem-18628	278	2	visual	visual	ADJ
fbem-18628	278	3	computer(4	computer(4	PROPN
fbem-18628	278	4	)	)	PUNCT
fbem-18628	278	5	.	.	PUNCT
fbem-18628	279	1	doi:10.1007	doi:10.1007	PROPN
fbem-18628	279	2	/	/	SYM
fbem-18628	279	3	s00371	s00371	PROPN
fbem-18628	279	4	-	-	PUNCT
fbem-18628	279	5	020	020	NUM
fbem-18628	279	6	-	-	PUNCT
fbem-18628	279	7	01792	01792	NUM
fbem-18628	279	8	-	-	PUNCT
fbem-18628	279	9	x.	x.	NOUN
fbem-18628	280	1	[	[	X
fbem-18628	280	2	17	17	NUM
fbem-18628	280	3	]	]	PUNCT
fbem-18628	280	4	qiao	qiao	NOUN
fbem-18628	280	5	,	,	PUNCT
fbem-18628	280	6	y.	y.	PROPN
fbem-18628	280	7	t.	t.	PROPN
fbem-18628	280	8	,	,	PUNCT
fbem-18628	280	9	zhu	zhu	PROPN
fbem-18628	280	10	,	,	PUNCT
fbem-18628	280	11	m.	m.	PROPN
fbem-18628	280	12	d.	d.	PROPN
fbem-18628	280	13	,	,	PUNCT
fbem-18628	280	14	gao	gao	PROPN
fbem-18628	280	15	,	,	PUNCT
fbem-18628	280	16	z.	z.	PROPN
fbem-18628	280	17	y.	y.	PROPN
fbem-18628	280	18	,	,	PUNCT
fbem-18628	280	19	tang	tang	PROPN
fbem-18628	280	20	,	,	PUNCT
fbem-18628	280	21	g.	g.	PROPN
fbem-18628	280	22	l.	l.	PROPN
fbem-18628	280	23	&	&	CCONJ
fbem-18628	280	24	zou	zou	PROPN
fbem-18628	280	25	,	,	PUNCT
fbem-18628	280	26	w.	w.	PROPN
fbem-18628	280	27	y.(2023).[personalised	y.(2023).[personalise	VERB
fbem-18628	280	28	smart	smart	ADJ
fbem-18628	280	29	aging	age	VERB
fbem-18628	280	30	empowered	empower	VERB
fbem-18628	280	31	by	by	ADP
fbem-18628	280	32	artificial	artificial	ADJ
fbem-18628	280	33	intelligence	intelligence	NOUN
fbem-18628	280	34	]	]	PUNCT
fbem-18628	280	35	.	.	PUNCT
fbem-18628	281	1	[	[	X
fbem-18628	281	2	brand	brand	NOUN
fbem-18628	281	3	marketing	marketing	NOUN
fbem-18628	281	4	for	for	ADP
fbem-18628	281	5	old	old	ADJ
fbem-18628	281	6	firms](06),63	firms](06),63	PROPN
fbem-18628	281	7	-	-	PUNCT
fbem-18628	281	8	65	65	NUM
fbem-18628	281	9	.	.	PUNCT
fbem-18628	282	1	[	[	X
fbem-18628	282	2	18	18	NUM
fbem-18628	282	3	]	]	X
fbem-18628	282	4	hou	hou	PROPN
fbem-18628	282	5	,	,	PUNCT
fbem-18628	282	6	b.	b.	PROPN
fbem-18628	282	7	&	&	CCONJ
fbem-18628	282	8	wu	wu	PROPN
fbem-18628	282	9	,	,	PUNCT
fbem-18628	282	10	y.	y.	PROPN
fbem-18628	282	11	x.(2022).[what	x.(2022).[what	PROPN
fbem-18628	282	12	is	be	AUX
fbem-18628	282	13	the	the	DET
fbem-18628	282	14	cause	cause	NOUN
fbem-18628	282	15	of	of	ADP
fbem-18628	282	16	self	self	NOUN
fbem-18628	282	17	-	-	PUNCT
fbem-18628	282	18	pension	pension	NOUN
fbem-18628	282	19	anxiety	anxiety	NOUN
fbem-18628	282	20	among	among	ADP
fbem-18628	282	21	young	young	ADJ
fbem-18628	282	22	people	people	NOUN
fbem-18628	282	23	?	?	PUNCT
fbem-18628	283	1	lnterpretation	lnterpretation	PROPN
fbem-18628	283	2	perspective	perspective	NOUN
fbem-18628	283	3	based	base	VERB
fbem-18628	283	4	on	on	ADP
fbem-18628	283	5	ecological	ecological	ADJ
fbem-18628	283	6	pressure	pressure	NOUN
fbem-18628	283	7	process	process	NOUN
fbem-18628	283	8	model	model	NOUN
fbem-18628	283	9	]	]	PUNCT
fbem-18628	283	10	.	.	PUNCT
fbem-18628	284	1	[	[	X
fbem-18628	284	2	china	china	NOUN
fbem-18628	284	3	youth	youth	PROPN
fbem-18628	284	4	study](08),60	study](08),60	PROPN
fbem-18628	284	5	-	-	PUNCT
fbem-18628	284	6	67	67	NUM
fbem-18628	284	7	+	+	NOUN
fbem-18628	284	8	93	93	NUM
fbem-18628	284	9	.	.	PUNCT
fbem-18628	285	1	https://doi.org/10.19633/j.cnki.112579/d.2022.0110	https://doi.org/10.19633/j.cnki.112579/d.2022.0110	PROPN
fbem-18628	285	2	.	.	PUNCT
fbem-18628	286	1	[	[	X
fbem-18628	286	2	19	19	NUM
fbem-18628	286	3	]	]	X
fbem-18628	286	4	china	china	PROPN
fbem-18628	286	5	research	research	PROPN
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fbem-18628	286	8	aging	age	VERB
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fbem-18628	286	10	2023	2023	NUM
fbem-18628	286	11	-	-	SYM
fbem-18628	286	12	05	05	NUM
fbem-18628	286	13	-	-	PUNCT
fbem-18628	286	14	11).[nearly	11).[nearly	ADV
fbem-18628	286	15	75	75	NUM
fbem-18628	286	16	per	per	ADP
fbem-18628	286	17	cent	cent	NOUN
fbem-18628	286	18	of	of	ADP
fbem-18628	286	19	elderly	elderly	ADJ
fbem-18628	286	20	service	service	NOUN
fbem-18628	286	21	providers	provider	NOUN
fbem-18628	286	22	"	"	PUNCT
fbem-18628	286	23	insufficient	insufficient	ADJ
fbem-18628	286	24	supply	supply	NOUN
fbem-18628	286	25	of	of	ADP
fbem-18628	286	26	human	human	ADJ
fbem-18628	286	27	resources"].[china	resources"].[china	PROPN
fbem-18628	286	28	old	old	ADJ
fbem-18628	286	29	man	man	PROPN
fbem-18628	286	30	news],003	news],003	NOUN
fbem-18628	286	31	.	.	PUNCT
fbem-18628	287	1	[	[	X
fbem-18628	287	2	20	20	NUM
fbem-18628	287	3	]	]	PUNCT
fbem-18628	287	4	d’anjou	d’anjou	NOUN
fbem-18628	287	5	philippe.(2023).the	philippe.(2023).the	DET
fbem-18628	287	6	impalpable	impalpable	ADJ
fbem-18628	287	7	omnipresence	omnipresence	NOUN
fbem-18628	287	8	of	of	ADP
fbem-18628	287	9	the	the	DET
fbem-18628	287	10	ethical	ethical	ADJ
fbem-18628	287	11	demand	demand	NOUN
fbem-18628	287	12	in	in	ADP
fbem-18628	287	13	design	design	NOUN
fbem-18628	287	14	.	.	PUNCT
fbem-18628	288	1	advanced	advanced	ADJ
fbem-18628	288	2	design	design	NOUN
fbem-18628	288	3	research(1	research(1	NOUN
fbem-18628	288	4	)	)	PUNCT
fbem-18628	288	5	.	.	PUNCT
fbem-18628	289	1	doi:10.1016	doi:10.1016	PROPN
fbem-18628	289	2	/	/	SYM
fbem-18628	289	3	j.ijadr.2023.02.001	j.ijadr.2023.02.001	PROPN
fbem-18628	289	4	.	.	PUNCT